id	sid	tid	token	lemma	pos
easat-2774	1	1	edelweiss	edelweiss	PROPN
easat-2774	1	2	applied	apply	VERB
easat-2774	1	3	science	science	NOUN
easat-2774	1	4	and	and	CCONJ
easat-2774	1	5	technology	technology	NOUN
easat-2774	1	6	issn	issn	PROPN
easat-2774	1	7	:	:	PUNCT
easat-2774	1	8	2576	2576	NUM
easat-2774	1	9	-	-	SYM
easat-2774	1	10	8484	8484	NUM
easat-2774	1	11	vol	vol	NOUN
easat-2774	1	12	.	.	PROPN
easat-2774	1	13	8	8	NUM
easat-2774	1	14	,	,	PUNCT
easat-2774	1	15	no	no	INTJ
easat-2774	1	16	.	.	NOUN
easat-2774	1	17	6	6	NUM
easat-2774	1	18	,	,	PUNCT
easat-2774	1	19	3589	3589	NUM
easat-2774	1	20	-	-	SYM
easat-2774	1	21	3601	3601	NUM
easat-2774	1	22	2024	2024	NUM
easat-2774	1	23	publisher	publisher	NOUN
easat-2774	1	24	:	:	PUNCT
easat-2774	1	25	learning	learn	VERB
easat-2774	1	26	gate	gate	NOUN
easat-2774	1	27	doi	doi	PROPN
easat-2774	1	28	:	:	PUNCT
easat-2774	1	29	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	1	30	©	©	PROPN
easat-2774	1	31	2024	2024	NUM
easat-2774	1	32	by	by	ADP
easat-2774	1	33	the	the	DET
easat-2774	1	34	authors	author	NOUN
easat-2774	1	35	;	;	PUNCT
easat-2774	1	36	licensee	licensee	PROPN
easat-2774	1	37	learning	learning	NOUN
easat-2774	1	38	gate	gate	NOUN
easat-2774	1	39	©	©	PROPN
easat-2774	1	40	2024	2024	NUM
easat-2774	1	41	by	by	ADP
easat-2774	1	42	the	the	DET
easat-2774	1	43	authors	author	NOUN
easat-2774	1	44	;	;	PUNCT
easat-2774	1	45	licensee	licensee	PROPN
easat-2774	1	46	learning	learn	VERB
easat-2774	1	47	gate	gate	NOUN
easat-2774	1	48	*	*	PUNCT
easat-2774	1	49	correspondence	correspondence	NOUN
easat-2774	1	50	:	:	PUNCT
easat-2774	1	51	triratnawati@untag-sby.ac.id	triratnawati@untag-sby.ac.id	X
easat-2774	1	52	reconstructing	reconstruct	VERB
easat-2774	1	53	gearing	gear	VERB
easat-2774	1	54	ratios	ratio	NOUN
easat-2774	1	55	and	and	CCONJ
easat-2774	1	56	digital	digital	NOUN
easat-2774	1	57	-	-	PUNCT
easat-2774	1	58	based	base	VERB
easat-2774	1	59	service	service	NOUN
easat-2774	1	60	rates	rate	NOUN
easat-2774	1	61	to	to	PART
easat-2774	1	62	mitigate	mitigate	VERB
easat-2774	1	63	financial	financial	ADJ
easat-2774	1	64	risks	risk	NOUN
easat-2774	1	65	for	for	ADP
easat-2774	1	66	sustainable	sustainable	ADJ
easat-2774	1	67	development	development	NOUN
easat-2774	1	68	in	in	ADP
easat-2774	1	69	indonesia	indonesia	PROPN
easat-2774	1	70	’s	’s	PART
easat-2774	1	71	credit	credit	NOUN
easat-2774	1	72	guarantee	guarantee	NOUN
easat-2774	1	73	industry	industry	NOUN
easat-2774	1	74	hari	hari	PROPN
easat-2774	1	75	tohar	tohar	PROPN
easat-2774	1	76	muljono1	muljono1	PROPN
easat-2774	1	77	,	,	PUNCT
easat-2774	1	78	tri	tri	VERB
easat-2774	1	79	ratnawati2	ratnawati2	PROPN
easat-2774	1	80	*	*	PUNCT
easat-2774	1	81	m.	m.	PROPN
easat-2774	1	82	sihab	sihab	PROPN
easat-2774	1	83	ridwan3	ridwan3	PROPN
easat-2774	1	84	1,2,317	1,2,317	NUM
easat-2774	1	85	agustus	agustus	PROPN
easat-2774	1	86	1945	1945	NUM
easat-2774	1	87	surabaya	surabaya	PROPN
easat-2774	1	88	university	university	PROPN
easat-2774	1	89	,	,	PUNCT
easat-2774	1	90	surabaya	surabaya	PROPN
easat-2774	1	91	,	,	PUNCT
easat-2774	1	92	indonesia	indonesia	PROPN
easat-2774	1	93	;	;	PUNCT
easat-2774	2	1	haritohar@gmail.com	haritohar@gmail.com	X
easat-2774	2	2	(	(	PUNCT
easat-2774	2	3	h.t.m	h.t.m	PROPN
easat-2774	2	4	.	.	PUNCT
easat-2774	2	5	)	)	PUNCT
easat-2774	3	1	triratnawati@untag-sby.ac.id	triratnawati@untag-sby.ac.id	NOUN
easat-2774	3	2	(	(	PUNCT
easat-2774	3	3	t.r	t.r	PROPN
easat-2774	3	4	.	.	PROPN
easat-2774	3	5	)	)	PUNCT
easat-2774	4	1	shihab@untag-sby.ac.id	shihab@untag-sby.ac.id	PROPN
easat-2774	5	1	(	(	PUNCT
easat-2774	5	2	m.s.r	m.s.r	PROPN
easat-2774	5	3	.	.	PUNCT
easat-2774	5	4	)	)	PUNCT
easat-2774	6	1	abstract	abstract	NOUN
easat-2774	6	2	:	:	PUNCT
easat-2774	6	3	this	this	DET
easat-2774	6	4	research	research	NOUN
easat-2774	6	5	examines	examine	VERB
easat-2774	6	6	the	the	DET
easat-2774	6	7	role	role	NOUN
easat-2774	6	8	of	of	ADP
easat-2774	6	9	the	the	DET
easat-2774	6	10	credit	credit	NOUN
easat-2774	6	11	guarantee	guarantee	NOUN
easat-2774	6	12	industry	industry	NOUN
easat-2774	6	13	in	in	ADP
easat-2774	6	14	supporting	support	VERB
easat-2774	6	15	the	the	DET
easat-2774	6	16	growth	growth	NOUN
easat-2774	6	17	of	of	ADP
easat-2774	6	18	msmes	msme	NOUN
easat-2774	6	19	in	in	ADP
easat-2774	6	20	indonesia	indonesia	PROPN
easat-2774	6	21	through	through	ADP
easat-2774	6	22	guarantee	guarantee	NOUN
easat-2774	6	23	programs	program	NOUN
easat-2774	6	24	that	that	PRON
easat-2774	6	25	aim	aim	VERB
easat-2774	6	26	to	to	PART
easat-2774	6	27	reduce	reduce	VERB
easat-2774	6	28	information	information	NOUN
easat-2774	6	29	asymmetry	asymmetry	NOUN
easat-2774	6	30	between	between	ADP
easat-2774	6	31	banks	bank	NOUN
easat-2774	6	32	and	and	CCONJ
easat-2774	6	33	msmes	msme	NOUN
easat-2774	6	34	.	.	PUNCT
easat-2774	7	1	using	use	VERB
easat-2774	7	2	structured	structured	ADJ
easat-2774	7	3	interview	interview	NOUN
easat-2774	7	4	methods	method	NOUN
easat-2774	7	5	and	and	CCONJ
easat-2774	7	6	data	datum	NOUN
easat-2774	7	7	triangulation	triangulation	NOUN
easat-2774	7	8	techniques	technique	NOUN
easat-2774	7	9	from	from	ADP
easat-2774	7	10	various	various	ADJ
easat-2774	7	11	sources	source	NOUN
easat-2774	7	12	,	,	PUNCT
easat-2774	7	13	this	this	DET
easat-2774	7	14	study	study	NOUN
easat-2774	7	15	analyzes	analyze	VERB
easat-2774	7	16	the	the	DET
easat-2774	7	17	management	management	NOUN
easat-2774	7	18	of	of	ADP
easat-2774	7	19	gearing	gear	VERB
easat-2774	7	20	ratio	ratio	NOUN
easat-2774	7	21	and	and	CCONJ
easat-2774	7	22	tariff	tariff	NOUN
easat-2774	7	23	risks	risk	NOUN
easat-2774	7	24	that	that	PRON
easat-2774	7	25	significantly	significantly	ADV
easat-2774	7	26	impact	impact	VERB
easat-2774	7	27	the	the	DET
easat-2774	7	28	financial	financial	ADJ
easat-2774	7	29	stability	stability	NOUN
easat-2774	7	30	of	of	ADP
easat-2774	7	31	guarantee	guarantee	NOUN
easat-2774	7	32	industry	industry	NOUN
easat-2774	7	33	.	.	PUNCT
easat-2774	8	1	the	the	DET
easat-2774	8	2	analysis	analysis	NOUN
easat-2774	8	3	results	result	VERB
easat-2774	8	4	with	with	ADP
easat-2774	8	5	nvivo	nvivo	ADJ
easat-2774	8	6	12	12	NUM
easat-2774	8	7	and	and	CCONJ
easat-2774	8	8	the	the	DET
easat-2774	8	9	analytical	analytical	ADJ
easat-2774	8	10	hierarchy	hierarchy	NOUN
easat-2774	8	11	process	process	NOUN
easat-2774	8	12	(	(	PUNCT
easat-2774	8	13	ahp	ahp	NOUN
easat-2774	8	14	)	)	PUNCT
easat-2774	8	15	reveal	reveal	VERB
easat-2774	8	16	digital	digital	ADJ
easat-2774	8	17	transformation	transformation	NOUN
easat-2774	8	18	’s	’s	PART
easat-2774	8	19	importance	importance	NOUN
easat-2774	8	20	in	in	ADP
easat-2774	8	21	efficiency	efficiency	NOUN
easat-2774	8	22	and	and	CCONJ
easat-2774	8	23	transparency	transparency	NOUN
easat-2774	8	24	in	in	ADP
easat-2774	8	25	risk	risk	NOUN
easat-2774	8	26	management	management	NOUN
easat-2774	8	27	.	.	PUNCT
easat-2774	9	1	this	this	DET
easat-2774	9	2	research	research	NOUN
easat-2774	9	3	also	also	ADV
easat-2774	9	4	produces	produce	VERB
easat-2774	9	5	a	a	DET
easat-2774	9	6	digitalization	digitalization	NOUN
easat-2774	9	7	design	design	NOUN
easat-2774	9	8	for	for	ADP
easat-2774	9	9	the	the	DET
easat-2774	9	10	program	program	NOUN
easat-2774	9	11	gearing	gearing	NOUN
easat-2774	9	12	ratio	ratio	NOUN
easat-2774	9	13	(	(	PUNCT
easat-2774	9	14	pgr	pgr	PROPN
easat-2774	9	15	)	)	PUNCT
easat-2774	9	16	and	and	CCONJ
easat-2774	9	17	offers	offer	VERB
easat-2774	9	18	practical	practical	ADJ
easat-2774	9	19	solutions	solution	NOUN
easat-2774	9	20	through	through	ADP
easat-2774	9	21	swot	swot	NOUN
easat-2774	9	22	analysis	analysis	NOUN
easat-2774	9	23	to	to	PART
easat-2774	9	24	improve	improve	VERB
easat-2774	9	25	the	the	DET
easat-2774	9	26	guarantee	guarantee	NOUN
easat-2774	9	27	capacity	capacity	NOUN
easat-2774	9	28	and	and	CCONJ
easat-2774	9	29	sustainability	sustainability	NOUN
easat-2774	9	30	of	of	ADP
easat-2774	9	31	the	the	DET
easat-2774	9	32	industry	industry	NOUN
easat-2774	9	33	.	.	PUNCT
easat-2774	10	1	the	the	DET
easat-2774	10	2	findings	finding	NOUN
easat-2774	10	3	contribute	contribute	VERB
easat-2774	10	4	to	to	ADP
easat-2774	10	5	the	the	DET
easat-2774	10	6	literature	literature	NOUN
easat-2774	10	7	by	by	ADP
easat-2774	10	8	proposing	propose	VERB
easat-2774	10	9	an	an	DET
easat-2774	10	10	integrated	integrate	VERB
easat-2774	10	11	internal	internal	ADJ
easat-2774	10	12	audit	audit	NOUN
easat-2774	10	13	approach	approach	NOUN
easat-2774	10	14	for	for	ADP
easat-2774	10	15	financial	financial	ADJ
easat-2774	10	16	risk	risk	NOUN
easat-2774	10	17	mitigation	mitigation	NOUN
easat-2774	10	18	in	in	ADP
easat-2774	10	19	the	the	DET
easat-2774	10	20	credit	credit	NOUN
easat-2774	10	21	guarantee	guarantee	NOUN
easat-2774	10	22	industry	industry	NOUN
easat-2774	10	23	.	.	PUNCT
easat-2774	11	1	keywords	keyword	NOUN
easat-2774	11	2	:	:	PUNCT
easat-2774	11	3	credit	credit	NOUN
easat-2774	11	4	guarantee	guarantee	NOUN
easat-2774	11	5	,	,	PUNCT
easat-2774	11	6	digitalization	digitalization	NOUN
easat-2774	11	7	,	,	PUNCT
easat-2774	11	8	gearing	gear	VERB
easat-2774	11	9	ratio	ratio	NOUN
easat-2774	11	10	,	,	PUNCT
easat-2774	11	11	msmes	msme	NOUN
easat-2774	11	12	,	,	PUNCT
easat-2774	11	13	risk	risk	NOUN
easat-2774	11	14	management	management	NOUN
easat-2774	11	15	.	.	PUNCT
easat-2774	12	1	1	1	X
easat-2774	12	2	.	.	X
easat-2774	12	3	introduction	introduction	NOUN
easat-2774	12	4	the	the	DET
easat-2774	12	5	guarantee	guarantee	NOUN
easat-2774	12	6	industry	industry	NOUN
easat-2774	12	7	is	be	AUX
easat-2774	12	8	one	one	NUM
easat-2774	12	9	of	of	ADP
easat-2774	12	10	the	the	DET
easat-2774	12	11	macro	macro	ADJ
easat-2774	12	12	instruments	instrument	NOUN
easat-2774	12	13	created	create	VERB
easat-2774	12	14	to	to	PART
easat-2774	12	15	assist	assist	VERB
easat-2774	12	16	the	the	DET
easat-2774	12	17	financial	financial	ADJ
easat-2774	12	18	sector	sector	NOUN
easat-2774	12	19	in	in	ADP
easat-2774	12	20	strengthening	strengthen	VERB
easat-2774	12	21	the	the	DET
easat-2774	12	22	economy	economy	NOUN
easat-2774	12	23	.	.	PUNCT
easat-2774	13	1	this	this	PRON
easat-2774	13	2	is	be	AUX
easat-2774	13	3	very	very	ADV
easat-2774	13	4	important	important	ADJ
easat-2774	13	5	for	for	ADP
easat-2774	13	6	the	the	DET
easat-2774	13	7	growth	growth	NOUN
easat-2774	13	8	of	of	ADP
easat-2774	13	9	msmes	msme	NOUN
easat-2774	13	10	(	(	PUNCT
easat-2774	13	11	micro	micro	NOUN
easat-2774	13	12	,	,	PUNCT
easat-2774	13	13	small	small	ADJ
easat-2774	13	14	,	,	PUNCT
easat-2774	13	15	and	and	CCONJ
easat-2774	13	16	medium	medium	ADJ
easat-2774	13	17	enterprises	enterprise	NOUN
easat-2774	13	18	)	)	PUNCT
easat-2774	13	19	,	,	PUNCT
easat-2774	13	20	which	which	PRON
easat-2774	13	21	are	be	AUX
easat-2774	13	22	substantial	substantial	ADJ
easat-2774	13	23	business	business	NOUN
easat-2774	13	24	entities	entity	NOUN
easat-2774	13	25	in	in	ADP
easat-2774	13	26	terms	term	NOUN
easat-2774	13	27	of	of	ADP
easat-2774	13	28	number	number	NOUN
easat-2774	13	29	and	and	CCONJ
easat-2774	13	30	capacity	capacity	NOUN
easat-2774	13	31	to	to	PART
easat-2774	13	32	employ	employ	VERB
easat-2774	13	33	people	people	NOUN
easat-2774	13	34	(	(	PUNCT
easat-2774	13	35	oberman	oberman	PROPN
easat-2774	13	36	et	et	PROPN
easat-2774	13	37	al	al	PROPN
easat-2774	13	38	.	.	PROPN
easat-2774	13	39	,	,	PUNCT
easat-2774	13	40	2012	2012	NUM
easat-2774	13	41	;	;	PUNCT
easat-2774	13	42	wijaya	wijaya	PROPN
easat-2774	13	43	et	et	PROPN
easat-2774	13	44	al	al	PROPN
easat-2774	13	45	.	.	PROPN
easat-2774	13	46	,	,	PUNCT
easat-2774	13	47	2022	2022	NUM
easat-2774	13	48	)	)	PUNCT
easat-2774	13	49	the	the	DET
easat-2774	13	50	purpose	purpose	NOUN
easat-2774	13	51	of	of	ADP
easat-2774	13	52	a	a	DET
easat-2774	13	53	guarantee	guarantee	NOUN
easat-2774	13	54	agency	agency	NOUN
easat-2774	13	55	is	be	AUX
easat-2774	13	56	to	to	PART
easat-2774	13	57	make	make	VERB
easat-2774	13	58	it	it	PRON
easat-2774	13	59	easier	easy	ADJ
easat-2774	13	60	for	for	SCONJ
easat-2774	13	61	businesses	business	NOUN
easat-2774	13	62	to	to	PART
easat-2774	13	63	obtain	obtain	VERB
easat-2774	13	64	financing	financing	NOUN
easat-2774	13	65	.	.	PUNCT
easat-2774	14	1	to	to	ADP
easat-2774	14	2	that	that	DET
easat-2774	14	3	end	end	NOUN
easat-2774	14	4	,	,	PUNCT
easat-2774	14	5	the	the	DET
easat-2774	14	6	government	government	NOUN
easat-2774	14	7	offers	offer	VERB
easat-2774	14	8	a	a	DET
easat-2774	14	9	credit	credit	NOUN
easat-2774	14	10	guarantee	guarantee	NOUN
easat-2774	14	11	program	program	NOUN
easat-2774	14	12	that	that	PRON
easat-2774	14	13	guarantees	guarantee	VERB
easat-2774	14	14	a	a	DET
easat-2774	14	15	percentage	percentage	NOUN
easat-2774	14	16	of	of	ADP
easat-2774	14	17	bank	bank	NOUN
easat-2774	14	18	loans	loan	NOUN
easat-2774	14	19	to	to	ADP
easat-2774	14	20	small	small	ADJ
easat-2774	14	21	and	and	CCONJ
easat-2774	14	22	medium	medium	ADJ
easat-2774	14	23	-	-	PUNCT
easat-2774	14	24	sized	sized	ADJ
easat-2774	14	25	enterprises	enterprise	NOUN
easat-2774	14	26	(	(	PUNCT
easat-2774	14	27	smes	sme	NOUN
easat-2774	14	28	)	)	PUNCT
easat-2774	14	29	.	.	PUNCT
easat-2774	15	1	the	the	DET
easat-2774	15	2	level	level	NOUN
easat-2774	15	3	of	of	ADP
easat-2774	15	4	demand	demand	NOUN
easat-2774	15	5	by	by	ADP
easat-2774	15	6	smes	sme	NOUN
easat-2774	15	7	is	be	AUX
easat-2774	15	8	higher	high	ADJ
easat-2774	15	9	than	than	ADP
easat-2774	15	10	the	the	DET
easat-2774	15	11	total	total	ADJ
easat-2774	15	12	amount	amount	NOUN
easat-2774	15	13	of	of	ADP
easat-2774	15	14	loans	loan	NOUN
easat-2774	15	15	to	to	ADP
easat-2774	15	16	smes	sme	NOUN
easat-2774	15	17	,	,	PUNCT
easat-2774	15	18	indicating	indicate	VERB
easat-2774	15	19	an	an	DET
easat-2774	15	20	information	information	NOUN
easat-2774	15	21	imbalance	imbalance	NOUN
easat-2774	15	22	between	between	ADP
easat-2774	15	23	banks	bank	NOUN
easat-2774	15	24	and	and	CCONJ
easat-2774	15	25	smes	sme	NOUN
easat-2774	15	26	(	(	PUNCT
easat-2774	15	27	ardic	ardic	PROPN
easat-2774	15	28	et	et	PROPN
easat-2774	15	29	al	al	PROPN
easat-2774	15	30	.	.	PROPN
easat-2774	15	31	,	,	PUNCT
easat-2774	15	32	2011	2011	NUM
easat-2774	15	33	)	)	PUNCT
easat-2774	15	34	.	.	PUNCT
easat-2774	16	1	in	in	ADP
easat-2774	16	2	this	this	DET
easat-2774	16	3	scenario	scenario	NOUN
easat-2774	16	4	,	,	PUNCT
easat-2774	16	5	the	the	DET
easat-2774	16	6	volume	volume	NOUN
easat-2774	16	7	of	of	ADP
easat-2774	16	8	loans	loan	NOUN
easat-2774	16	9	to	to	ADP
easat-2774	16	10	smes	sme	NOUN
easat-2774	16	11	will	will	AUX
easat-2774	16	12	increase	increase	VERB
easat-2774	16	13	due	due	ADP
easat-2774	16	14	to	to	ADP
easat-2774	16	15	the	the	DET
easat-2774	16	16	guarantee	guarantee	NOUN
easat-2774	16	17	offering	offering	NOUN
easat-2774	16	18	by	by	ADP
easat-2774	16	19	the	the	DET
easat-2774	16	20	guarantee	guarantee	NOUN
easat-2774	16	21	agency	agency	NOUN
easat-2774	16	22	,	,	PUNCT
easat-2774	16	23	which	which	PRON
easat-2774	16	24	will	will	AUX
easat-2774	16	25	reduce	reduce	VERB
easat-2774	16	26	the	the	DET
easat-2774	16	27	information	information	NOUN
easat-2774	16	28	asymmetry	asymmetry	NOUN
easat-2774	16	29	between	between	ADP
easat-2774	16	30	smes	sme	NOUN
easat-2774	16	31	and	and	CCONJ
easat-2774	16	32	banks	bank	NOUN
easat-2774	16	33	.	.	PUNCT
easat-2774	17	1	banks	bank	NOUN
easat-2774	17	2	and	and	CCONJ
easat-2774	17	3	smes	sme	NOUN
easat-2774	17	4	will	will	AUX
easat-2774	17	5	lend	lend	VERB
easat-2774	17	6	more	more	ADJ
easat-2774	17	7	money	money	NOUN
easat-2774	17	8	to	to	ADP
easat-2774	17	9	each	each	DET
easat-2774	17	10	other	other	ADJ
easat-2774	17	11	(	(	PUNCT
easat-2774	17	12	yoshino	yoshino	X
easat-2774	17	13	&	&	CCONJ
easat-2774	17	14	taghizadeh	taghizadeh	PROPN
easat-2774	17	15	-	-	PUNCT
easat-2774	17	16	hesary	hesary	ADJ
easat-2774	17	17	,	,	PUNCT
easat-2774	17	18	2019	2019	NUM
easat-2774	17	19	)	)	PUNCT
easat-2774	17	20	.	.	PUNCT
easat-2774	18	1	collateral	collateral	NOUN
easat-2774	18	2	has	have	AUX
easat-2774	18	3	historically	historically	ADV
easat-2774	18	4	been	be	AUX
easat-2774	18	5	a	a	DET
easat-2774	18	6	foundation	foundation	NOUN
easat-2774	18	7	of	of	ADP
easat-2774	18	8	trust	trust	NOUN
easat-2774	18	9	for	for	ADP
easat-2774	18	10	smes	sme	NOUN
easat-2774	18	11	(	(	PUNCT
easat-2774	18	12	wijaya	wijaya	PROPN
easat-2774	18	13	et	et	PROPN
easat-2774	18	14	al	al	PROPN
easat-2774	18	15	.	.	PROPN
easat-2774	18	16	,	,	PUNCT
easat-2774	18	17	2022	2022	NUM
easat-2774	18	18	)	)	PUNCT
easat-2774	18	19	.	.	PUNCT
easat-2774	19	1	the	the	DET
easat-2774	19	2	guarantee	guarantee	NOUN
easat-2774	19	3	sector	sector	NOUN
easat-2774	19	4	is	be	AUX
easat-2774	19	5	proliferating	proliferate	VERB
easat-2774	19	6	along	along	ADP
easat-2774	19	7	with	with	ADP
easat-2774	19	8	the	the	DET
easat-2774	19	9	increasing	increase	VERB
easat-2774	19	10	need	need	NOUN
easat-2774	19	11	for	for	SCONJ
easat-2774	19	12	msmes	msme	NOUN
easat-2774	19	13	to	to	PART
easat-2774	19	14	finance	finance	VERB
easat-2774	19	15	and	and	CCONJ
easat-2774	19	16	diversify	diversify	VERB
easat-2774	19	17	into	into	ADP
easat-2774	19	18	other	other	ADJ
easat-2774	19	19	areas	area	NOUN
easat-2774	19	20	,	,	PUNCT
easat-2774	19	21	such	such	ADJ
easat-2774	19	22	as	as	ADP
easat-2774	19	23	infrastructure	infrastructure	NOUN
easat-2774	19	24	and	and	CCONJ
easat-2774	19	25	exports	export	NOUN
easat-2774	19	26	(	(	PUNCT
easat-2774	19	27	junaidi	junaidi	NOUN
easat-2774	19	28	,	,	PUNCT
easat-2774	19	29	2023	2023	NUM
easat-2774	19	30	)	)	PUNCT
easat-2774	19	31	.	.	PUNCT
easat-2774	20	1	to	to	PART
easat-2774	20	2	improve	improve	VERB
easat-2774	20	3	efficiency	efficiency	NOUN
easat-2774	20	4	and	and	CCONJ
easat-2774	20	5	transparency	transparency	NOUN
easat-2774	20	6	,	,	PUNCT
easat-2774	20	7	some	some	DET
easat-2774	20	8	guarantee	guarantee	NOUN
easat-2774	20	9	agencies	agency	NOUN
easat-2774	20	10	have	have	AUX
easat-2774	20	11	undertaken	undertake	VERB
easat-2774	20	12	digital	digital	ADJ
easat-2774	20	13	transformation	transformation	NOUN
easat-2774	20	14	.	.	PUNCT
easat-2774	21	1	digitalization	digitalization	NOUN
easat-2774	21	2	changes	change	NOUN
easat-2774	21	3	companies	company	NOUN
easat-2774	21	4	’	’	PART
easat-2774	21	5	innovation	innovation	NOUN
easat-2774	21	6	and	and	CCONJ
easat-2774	21	7	competitives	competitive	NOUN
easat-2774	21	8	,	,	PUNCT
easat-2774	21	9	especially	especially	ADV
easat-2774	21	10	in	in	ADP
easat-2774	21	11	an	an	DET
easat-2774	21	12	increasingly	increasingly	ADV
easat-2774	21	13	advanced	advance	VERB
easat-2774	21	14	digital	digital	ADJ
easat-2774	21	15	economy	economy	NOUN
easat-2774	21	16	.	.	PUNCT
easat-2774	22	1	innovation	innovation	NOUN
easat-2774	22	2	and	and	CCONJ
easat-2774	22	3	standardization	standardization	NOUN
easat-2774	22	4	are	be	AUX
easat-2774	22	5	the	the	DET
easat-2774	22	6	primary	primary	ADJ
easat-2774	22	7	keys	key	NOUN
easat-2774	22	8	to	to	ADP
easat-2774	22	9	driving	drive	VERB
easat-2774	22	10	company	company	NOUN
easat-2774	22	11	competitiveness	competitiveness	NOUN
easat-2774	22	12	in	in	ADP
easat-2774	22	13	the	the	DET
easat-2774	22	14	digital	digital	ADJ
easat-2774	22	15	era	era	NOUN
easat-2774	22	16	(	(	PUNCT
easat-2774	22	17	yang	yang	PROPN
easat-2774	22	18	et	et	PROPN
easat-2774	22	19	al	al	PROPN
easat-2774	22	20	.	.	PROPN
easat-2774	22	21	,	,	PUNCT
easat-2774	22	22	2023	2023	NUM
easat-2774	22	23	)	)	PUNCT
easat-2774	22	24	.	.	PUNCT
easat-2774	23	1	however	however	ADV
easat-2774	23	2	,	,	PUNCT
easat-2774	23	3	this	this	DET
easat-2774	23	4	progress	progress	NOUN
easat-2774	23	5	also	also	ADV
easat-2774	23	6	has	have	VERB
easat-2774	23	7	many	many	ADJ
easat-2774	23	8	difficulties	difficulty	NOUN
easat-2774	23	9	,	,	PUNCT
easat-2774	23	10	especially	especially	ADV
easat-2774	23	11	regarding	regard	VERB
easat-2774	23	12	risk	risk	NOUN
easat-2774	23	13	management	management	NOUN
easat-2774	23	14	.	.	PUNCT
easat-2774	24	1	maintaining	maintain	VERB
easat-2774	24	2	the	the	DET
easat-2774	24	3	financial	financial	ADJ
easat-2774	24	4	stability	stability	NOUN
easat-2774	24	5	of	of	ADP
easat-2774	24	6	guarantee	guarantee	NOUN
easat-2774	24	7	institutions	institution	NOUN
easat-2774	24	8	through	through	ADP
easat-2774	24	9	sufficient	sufficient	ADJ
easat-2774	24	10	capital	capital	NOUN
easat-2774	24	11	reserves	reserve	NOUN
easat-2774	24	12	to	to	PART
easat-2774	24	13	address	address	VERB
easat-2774	24	14	liquidity	liquidity	NOUN
easat-2774	24	15	and	and	CCONJ
easat-2774	24	16	solvency	solvency	NOUN
easat-2774	24	17	risks	risk	NOUN
easat-2774	24	18	,	,	PUNCT
easat-2774	24	19	and	and	CCONJ
easat-2774	24	20	defaults	default	NOUN
easat-2774	24	21	,	,	PUNCT
easat-2774	24	22	which	which	PRON
easat-2774	24	23	often	often	ADV
easat-2774	24	24	occur	occur	VERB
easat-2774	24	25	among	among	ADP
easat-2774	24	26	msmes	msme	NOUN
easat-2774	24	27	with	with	ADP
easat-2774	24	28	a	a	DET
easat-2774	24	29	high	high	ADJ
easat-2774	24	30	-	-	PUNCT
easat-2774	24	31	risk	risk	NOUN
easat-2774	24	32	profile	profile	NOUN
easat-2774	24	33	,	,	PUNCT
easat-2774	24	34	is	be	AUX
easat-2774	24	35	a	a	DET
easat-2774	24	36	crucial	crucial	ADJ
easat-2774	24	37	danger	danger	NOUN
easat-2774	24	38	.	.	PUNCT
easat-2774	25	1	as	as	SCONJ
easat-2774	25	2	regulatory	regulatory	ADJ
easat-2774	25	3	uncertainty	uncertainty	NOUN
easat-2774	25	4	can	can	AUX
easat-2774	25	5	impact	impact	VERB
easat-2774	25	6	the	the	DET
easat-2774	25	7	operations	operation	NOUN
easat-2774	25	8	and	and	CCONJ
easat-2774	25	9	plans	plan	NOUN
easat-2774	25	10	of	of	ADP
easat-2774	25	11	a	a	DET
easat-2774	25	12	guarantee	guarantee	NOUN
easat-2774	25	13	institution	institution	NOUN
easat-2774	25	14	,	,	PUNCT
easat-2774	25	15	adapting	adapt	VERB
easat-2774	25	16	to	to	ADP
easat-2774	25	17	regulatory	regulatory	ADJ
easat-2774	25	18	changes	change	NOUN
easat-2774	25	19	is	be	AUX
easat-2774	25	20	also	also	ADV
easat-2774	25	21	a	a	DET
easat-2774	25	22	significant	significant	ADJ
easat-2774	25	23	issue	issue	NOUN
easat-2774	25	24	.	.	PUNCT
easat-2774	26	1	3590	3590	NUM
easat-2774	26	2	edelweiss	edelweiss	PROPN
easat-2774	26	3	applied	apply	VERB
easat-2774	26	4	science	science	NOUN
easat-2774	26	5	and	and	CCONJ
easat-2774	26	6	technology	technology	NOUN
easat-2774	26	7	issn	issn	PROPN
easat-2774	26	8	:	:	PUNCT
easat-2774	26	9	2576	2576	NUM
easat-2774	26	10	-	-	SYM
easat-2774	26	11	8484	8484	NUM
easat-2774	26	12	vol	vol	NOUN
easat-2774	26	13	.	.	PROPN
easat-2774	26	14	8	8	NUM
easat-2774	26	15	,	,	PUNCT
easat-2774	26	16	no	no	INTJ
easat-2774	26	17	.	.	NOUN
easat-2774	27	1	6	6	NUM
easat-2774	27	2	:	:	SYM
easat-2774	27	3	3589	3589	NUM
easat-2774	27	4	-	-	SYM
easat-2774	27	5	3601	3601	NUM
easat-2774	27	6	,	,	PUNCT
easat-2774	27	7	2024	2024	NUM
easat-2774	27	8	doi	doi	NOUN
easat-2774	27	9	:	:	PUNCT
easat-2774	27	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	27	11	©	©	PROPN
easat-2774	27	12	2024	2024	NUM
easat-2774	27	13	by	by	ADP
easat-2774	27	14	the	the	DET
easat-2774	27	15	authors	author	NOUN
easat-2774	27	16	;	;	PUNCT
easat-2774	27	17	licensee	licensee	PROPN
easat-2774	27	18	learning	learning	NOUN
easat-2774	27	19	gate	gate	NOUN
easat-2774	27	20	as	as	ADP
easat-2774	27	21	a	a	DET
easat-2774	27	22	result	result	NOUN
easat-2774	27	23	of	of	ADP
easat-2774	27	24	technological	technological	ADJ
easat-2774	27	25	developments	development	NOUN
easat-2774	27	26	,	,	PUNCT
easat-2774	27	27	guarantee	guarantee	NOUN
easat-2774	27	28	agencies	agency	NOUN
easat-2774	27	29	must	must	AUX
easat-2774	27	30	now	now	ADV
easat-2774	27	31	face	face	VERB
easat-2774	27	32	additional	additional	ADJ
easat-2774	27	33	operational	operational	ADJ
easat-2774	27	34	risks	risk	NOUN
easat-2774	27	35	in	in	ADP
easat-2774	27	36	addition	addition	NOUN
easat-2774	27	37	to	to	ADP
easat-2774	27	38	default	default	NOUN
easat-2774	27	39	risk	risk	NOUN
easat-2774	27	40	.	.	PUNCT
easat-2774	28	1	these	these	DET
easat-2774	28	2	risks	risk	NOUN
easat-2774	28	3	include	include	VERB
easat-2774	28	4	system	system	NOUN
easat-2774	28	5	failures	failure	NOUN
easat-2774	28	6	and	and	CCONJ
easat-2774	28	7	cyber	cyber	NOUN
easat-2774	28	8	-	-	PUNCT
easat-2774	28	9	attacks	attack	NOUN
easat-2774	28	10	,	,	PUNCT
easat-2774	28	11	which	which	PRON
easat-2774	28	12	have	have	VERB
easat-2774	28	13	the	the	DET
easat-2774	28	14	potential	potential	NOUN
easat-2774	28	15	to	to	PART
easat-2774	28	16	disrupt	disrupt	VERB
easat-2774	28	17	the	the	DET
easat-2774	28	18	guarantee	guarantee	NOUN
easat-2774	28	19	process	process	NOUN
easat-2774	28	20	and	and	CCONJ
easat-2774	28	21	undermine	undermine	VERB
easat-2774	28	22	consumer	consumer	NOUN
easat-2774	28	23	confidence	confidence	NOUN
easat-2774	28	24	(	(	PUNCT
easat-2774	28	25	kaur	kaur	PROPN
easat-2774	28	26	et	et	PROPN
easat-2774	28	27	al	al	PROPN
easat-2774	28	28	.	.	PROPN
easat-2774	28	29	,	,	PUNCT
easat-2774	28	30	2021	2021	NUM
easat-2774	28	31	)	)	PUNCT
easat-2774	28	32	.	.	PUNCT
easat-2774	29	1	reputational	reputational	ADJ
easat-2774	29	2	risk	risk	NOUN
easat-2774	29	3	is	be	AUX
easat-2774	29	4	also	also	ADV
easat-2774	29	5	a	a	DET
easat-2774	29	6	significant	significant	ADJ
easat-2774	29	7	concern	concern	NOUN
easat-2774	29	8	,	,	PUNCT
easat-2774	29	9	as	as	SCONJ
easat-2774	29	10	trust	trust	NOUN
easat-2774	29	11	is	be	AUX
easat-2774	29	12	a	a	DET
easat-2774	29	13	valuable	valuable	ADJ
easat-2774	29	14	asset	asset	NOUN
easat-2774	29	15	in	in	ADP
easat-2774	29	16	this	this	DET
easat-2774	29	17	industry	industry	NOUN
easat-2774	29	18	.	.	PUNCT
easat-2774	30	1	to	to	PART
easat-2774	30	2	ensure	ensure	VERB
easat-2774	30	3	the	the	DET
easat-2774	30	4	viability	viability	NOUN
easat-2774	30	5	of	of	ADP
easat-2774	30	6	the	the	DET
easat-2774	30	7	guarantee	guarantee	NOUN
easat-2774	30	8	sector	sector	NOUN
easat-2774	30	9	,	,	PUNCT
easat-2774	30	10	guarantee	guarantee	NOUN
easat-2774	30	11	agencies	agency	NOUN
easat-2774	30	12	must	must	AUX
easat-2774	30	13	be	be	AUX
easat-2774	30	14	closely	closely	ADV
easat-2774	30	15	supervised	supervise	VERB
easat-2774	30	16	by	by	ADP
easat-2774	30	17	financial	financial	ADJ
easat-2774	30	18	regulators	regulator	NOUN
easat-2774	30	19	and	and	CCONJ
easat-2774	30	20	create	create	VERB
easat-2774	30	21	strong	strong	ADJ
easat-2774	30	22	collaboration	collaboration	NOUN
easat-2774	30	23	with	with	ADP
easat-2774	30	24	financial	financial	ADJ
easat-2774	30	25	institutions	institution	NOUN
easat-2774	30	26	to	to	PART
easat-2774	30	27	properly	properly	ADV
easat-2774	30	28	handle	handle	VERB
easat-2774	30	29	these	these	DET
easat-2774	30	30	various	various	ADJ
easat-2774	30	31	risks	risk	NOUN
easat-2774	30	32	(	(	PUNCT
easat-2774	30	33	gualandri	gualandri	NOUN
easat-2774	30	34	et	et	PROPN
easat-2774	30	35	al	al	PROPN
easat-2774	30	36	.	.	PROPN
easat-2774	30	37	,	,	PUNCT
easat-2774	30	38	2024	2024	NUM
easat-2774	30	39	;	;	PUNCT
easat-2774	30	40	seal	seal	NOUN
easat-2774	30	41	et	et	PROPN
easat-2774	30	42	al	al	PROPN
easat-2774	30	43	.	.	PROPN
easat-2774	30	44	,	,	PUNCT
easat-2774	30	45	2021	2021	NUM
easat-2774	30	46	)	)	PUNCT
easat-2774	30	47	.	.	PUNCT
easat-2774	31	1	the	the	DET
easat-2774	31	2	gearing	gear	VERB
easat-2774	31	3	ratio	ratio	NOUN
easat-2774	31	4	measures	measure	NOUN
easat-2774	31	5	the	the	DET
easat-2774	31	6	total	total	ADJ
easat-2774	31	7	guarantee	guarantee	NOUN
easat-2774	31	8	made	make	VERB
easat-2774	31	9	by	by	ADP
easat-2774	31	10	the	the	DET
easat-2774	31	11	guarantee	guarantee	NOUN
easat-2774	31	12	company	company	NOUN
easat-2774	31	13	against	against	ADP
easat-2774	31	14	its	its	PRON
easat-2774	31	15	equity	equity	NOUN
easat-2774	31	16	to	to	PART
easat-2774	31	17	assess	assess	VERB
easat-2774	31	18	how	how	SCONJ
easat-2774	31	19	much	much	ADJ
easat-2774	31	20	credit	credit	NOUN
easat-2774	31	21	is	be	AUX
easat-2774	31	22	guaranteed	guarantee	VERB
easat-2774	31	23	compared	compare	VERB
easat-2774	31	24	to	to	ADP
easat-2774	31	25	the	the	DET
easat-2774	31	26	equity	equity	NOUN
easat-2774	31	27	owned	own	VERB
easat-2774	31	28	.	.	PUNCT
easat-2774	32	1	the	the	DET
easat-2774	32	2	financial	financial	PROPN
easat-2774	32	3	services	service	NOUN
easat-2774	32	4	authority	authority	NOUN
easat-2774	32	5	(	(	PUNCT
easat-2774	32	6	ojk	ojk	NOUN
easat-2774	32	7	)	)	PUNCT
easat-2774	32	8	regulation	regulation	NOUN
easat-2774	32	9	number	number	NOUN
easat-2774	32	10	35	35	NUM
easat-2774	32	11	/	/	SYM
easat-2774	32	12	pojk.05	pojk.05	NOUN
easat-2774	32	13	/	/	SYM
easat-2774	32	14	2018	2018	NUM
easat-2774	32	15	concerning	concern	VERB
easat-2774	32	16	the	the	DET
easat-2774	32	17	implementation	implementation	NOUN
easat-2774	32	18	of	of	ADP
easat-2774	32	19	the	the	DET
easat-2774	32	20	financing	finance	VERB
easat-2774	32	21	company	company	NOUN
easat-2774	32	22	business	business	NOUN
easat-2774	32	23	regulates	regulate	VERB
easat-2774	32	24	that	that	SCONJ
easat-2774	32	25	the	the	DET
easat-2774	32	26	gearing	gear	VERB
easat-2774	32	27	ratio	ratio	NOUN
easat-2774	32	28	provisions	provision	NOUN
easat-2774	32	29	that	that	PRON
easat-2774	32	30	finance	finance	NOUN
easat-2774	32	31	companies	company	NOUN
easat-2774	32	32	must	must	AUX
easat-2774	32	33	meet	meet	VERB
easat-2774	32	34	are	be	AUX
easat-2774	32	35	a	a	DET
easat-2774	32	36	maximum	maximum	NOUN
easat-2774	32	37	of	of	ADP
easat-2774	32	38	40	40	NUM
easat-2774	32	39	times	time	NOUN
easat-2774	32	40	with	with	ADP
easat-2774	32	41	a	a	DET
easat-2774	32	42	division	division	NOUN
easat-2774	32	43	of	of	ADP
easat-2774	32	44	20	20	NUM
easat-2774	32	45	times	time	NOUN
easat-2774	32	46	for	for	ADP
easat-2774	32	47	productive	productive	ADJ
easat-2774	32	48	credit	credit	NOUN
easat-2774	32	49	and	and	CCONJ
easat-2774	32	50	20	20	NUM
easat-2774	32	51	times	time	NOUN
easat-2774	32	52	for	for	ADP
easat-2774	32	53	nonproductive	nonproductive	ADJ
easat-2774	32	54	credit	credit	NOUN
easat-2774	32	55	.	.	PUNCT
easat-2774	33	1	gearing	gear	VERB
easat-2774	33	2	ratios	ratio	NOUN
easat-2774	33	3	do	do	AUX
easat-2774	33	4	not	not	PART
easat-2774	33	5	have	have	VERB
easat-2774	33	6	a	a	DET
easat-2774	33	7	significant	significant	ADJ
easat-2774	33	8	influence	influence	NOUN
easat-2774	33	9	on	on	ADP
easat-2774	33	10	risk	risk	NOUN
easat-2774	33	11	disclosure	disclosure	NOUN
easat-2774	33	12	because	because	SCONJ
easat-2774	33	13	guarantee	guarantee	VERB
easat-2774	33	14	companies	company	NOUN
easat-2774	33	15	with	with	ADP
easat-2774	33	16	high	high	ADJ
easat-2774	33	17	gearing	gearing	NOUN
easat-2774	33	18	ratios	ratio	NOUN
easat-2774	33	19	can	can	AUX
easat-2774	33	20	be	be	AUX
easat-2774	33	21	interpreted	interpret	VERB
easat-2774	33	22	as	as	ADP
easat-2774	33	23	being	be	AUX
easat-2774	33	24	in	in	ADP
easat-2774	33	25	poor	poor	ADJ
easat-2774	33	26	financial	financial	ADJ
easat-2774	33	27	condition	condition	NOUN
easat-2774	33	28	compared	compare	VERB
easat-2774	33	29	to	to	PART
easat-2774	33	30	guarantee	guarantee	VERB
easat-2774	33	31	companies	company	NOUN
easat-2774	33	32	with	with	ADP
easat-2774	33	33	low	low	ADJ
easat-2774	33	34	gearing	gear	VERB
easat-2774	33	35	ratios	ratio	NOUN
easat-2774	33	36	,	,	PUNCT
easat-2774	33	37	provided	provide	VERB
easat-2774	33	38	that	that	SCONJ
easat-2774	33	39	the	the	DET
easat-2774	33	40	gearing	gear	VERB
easat-2774	33	41	ratio	ratio	NOUN
easat-2774	33	42	limit	limit	NOUN
easat-2774	33	43	is	be	AUX
easat-2774	33	44	a	a	DET
easat-2774	33	45	suitable	suitable	ADJ
easat-2774	33	46	category	category	NOUN
easat-2774	33	47	(	(	PUNCT
easat-2774	33	48	optimal	optimal	ADJ
easat-2774	33	49	for	for	ADP
easat-2774	33	50	generating	generate	VERB
easat-2774	33	51	profits	profit	NOUN
easat-2774	33	52	)	)	PUNCT
easat-2774	33	53	(	(	PUNCT
easat-2774	33	54	tunji	tunji	NOUN
easat-2774	33	55	et	et	PROPN
easat-2774	33	56	al	al	PROPN
easat-2774	33	57	.	.	PROPN
easat-2774	33	58	,	,	PUNCT
easat-2774	33	59	2015	2015	NUM
easat-2774	33	60	)	)	PUNCT
easat-2774	33	61	based	base	VERB
easat-2774	33	62	on	on	ADP
easat-2774	33	63	tariff	tariff	NOUN
easat-2774	33	64	risk	risk	NOUN
easat-2774	33	65	and	and	CCONJ
easat-2774	33	66	gearing	gear	VERB
easat-2774	33	67	ratio	ratio	NOUN
easat-2774	33	68	risk	risk	NOUN
easat-2774	33	69	,	,	PUNCT
easat-2774	33	70	the	the	DET
easat-2774	33	71	risk	risk	NOUN
easat-2774	33	72	management	management	NOUN
easat-2774	33	73	of	of	ADP
easat-2774	33	74	credit	credit	NOUN
easat-2774	33	75	guarantee	guarantee	NOUN
easat-2774	33	76	companies	company	NOUN
easat-2774	33	77	has	have	VERB
easat-2774	33	78	a	a	DET
easat-2774	33	79	significant	significant	ADJ
easat-2774	33	80	impact	impact	NOUN
easat-2774	33	81	on	on	ADP
easat-2774	33	82	the	the	DET
easat-2774	33	83	performance	performance	NOUN
easat-2774	33	84	of	of	ADP
easat-2774	33	85	both	both	DET
easat-2774	33	86	risks	risk	NOUN
easat-2774	33	87	,	,	PUNCT
easat-2774	33	88	if	if	SCONJ
easat-2774	33	89	credit	credit	NOUN
easat-2774	33	90	guarantee	guarantee	NOUN
easat-2774	33	91	companies	company	NOUN
easat-2774	33	92	fail	fail	VERB
easat-2774	33	93	to	to	PART
easat-2774	33	94	manage	manage	VERB
easat-2774	33	95	their	their	PRON
easat-2774	33	96	risks	risk	NOUN
easat-2774	33	97	,	,	PUNCT
easat-2774	33	98	their	their	PRON
easat-2774	33	99	performance	performance	NOUN
easat-2774	33	100	will	will	AUX
easat-2774	33	101	deteriorate	deteriorate	VERB
easat-2774	33	102	both	both	PRON
easat-2774	33	103	in	in	ADP
easat-2774	33	104	the	the	DET
easat-2774	33	105	short	short	ADJ
easat-2774	33	106	and	and	CCONJ
easat-2774	33	107	long	long	ADJ
easat-2774	33	108	term	term	NOUN
easat-2774	33	109	.	.	PUNCT
easat-2774	34	1	the	the	DET
easat-2774	34	2	financial	financial	PROPN
easat-2774	34	3	services	service	NOUN
easat-2774	34	4	authority	authority	NOUN
easat-2774	34	5	(	(	PUNCT
easat-2774	34	6	ojk	ojk	NOUN
easat-2774	34	7	)	)	PUNCT
easat-2774	34	8	is	be	AUX
easat-2774	34	9	responsible	responsible	ADJ
easat-2774	34	10	for	for	ADP
easat-2774	34	11	fulfilling	fulfil	VERB
easat-2774	34	12	this	this	DET
easat-2774	34	13	commitment	commitment	NOUN
easat-2774	34	14	through	through	ADP
easat-2774	34	15	the	the	DET
easat-2774	34	16	sustainable	sustainable	ADJ
easat-2774	34	17	finance	finance	NOUN
easat-2774	34	18	program	program	NOUN
easat-2774	34	19	.	.	PUNCT
easat-2774	35	1	to	to	PART
easat-2774	35	2	support	support	VERB
easat-2774	35	3	institutions	institution	NOUN
easat-2774	35	4	that	that	PRON
easat-2774	35	5	apply	apply	VERB
easat-2774	35	6	sustainable	sustainable	ADJ
easat-2774	35	7	finance	finance	NOUN
easat-2774	35	8	principles	principle	NOUN
easat-2774	35	9	following	follow	VERB
easat-2774	35	10	ojk	ojk	ADP
easat-2774	35	11	regulation	regulation	NOUN
easat-2774	35	12	number	number	NOUN
easat-2774	35	13	18	18	NUM
easat-2774	35	14	/	/	SYM
easat-2774	35	15	seojk.05/2018	seojk.05/2018	NOUN
easat-2774	35	16	concerning	concern	VERB
easat-2774	35	17	the	the	DET
easat-2774	35	18	financial	financial	ADJ
easat-2774	35	19	health	health	NOUN
easat-2774	35	20	of	of	ADP
easat-2774	35	21	guarantee	guarantee	NOUN
easat-2774	35	22	institutions	institution	NOUN
easat-2774	35	23	,	,	PUNCT
easat-2774	35	24	guarantee	guarantee	VERB
easat-2774	35	25	institutions	institution	NOUN
easat-2774	35	26	must	must	AUX
easat-2774	35	27	maintain	maintain	VERB
easat-2774	35	28	their	their	PRON
easat-2774	35	29	financial	financial	ADJ
easat-2774	35	30	health	health	NOUN
easat-2774	35	31	conditions	condition	NOUN
easat-2774	35	32	where	where	SCONJ
easat-2774	35	33	guarantee	guarantee	NOUN
easat-2774	35	34	institutions	institution	NOUN
easat-2774	35	35	are	be	AUX
easat-2774	35	36	required	require	VERB
easat-2774	35	37	to	to	PART
easat-2774	35	38	maintain	maintain	VERB
easat-2774	35	39	gearing	gear	VERB
easat-2774	35	40	ratios	ratio	NOUN
easat-2774	35	41	for	for	ADP
easat-2774	35	42	credit	credit	NOUN
easat-2774	35	43	guarantees	guarantee	NOUN
easat-2774	35	44	.	.	PUNCT
easat-2774	36	1	this	this	DET
easat-2774	36	2	research	research	NOUN
easat-2774	36	3	aims	aim	VERB
easat-2774	36	4	to	to	PART
easat-2774	36	5	find	find	VERB
easat-2774	36	6	solutions	solution	NOUN
easat-2774	36	7	to	to	ADP
easat-2774	36	8	the	the	DET
easat-2774	36	9	problems	problem	NOUN
easat-2774	36	10	faced	face	VERB
easat-2774	36	11	by	by	ADP
easat-2774	36	12	the	the	DET
easat-2774	36	13	credit	credit	NOUN
easat-2774	36	14	guarantee	guarantee	NOUN
easat-2774	36	15	industry	industry	NOUN
easat-2774	36	16	in	in	ADP
easat-2774	36	17	indonesia	indonesia	PROPN
easat-2774	36	18	,	,	PUNCT
easat-2774	36	19	namely	namely	ADV
easat-2774	36	20	in	in	ADP
easat-2774	36	21	increasing	increase	VERB
easat-2774	36	22	guarantee	guarantee	NOUN
easat-2774	36	23	capacity	capacity	NOUN
easat-2774	36	24	and	and	CCONJ
easat-2774	36	25	income	income	NOUN
easat-2774	36	26	(	(	PUNCT
easat-2774	36	27	guarantee	guarantee	VERB
easat-2774	36	28	service	service	NOUN
easat-2774	36	29	incentives	incentive	NOUN
easat-2774	36	30	)	)	PUNCT
easat-2774	36	31	,	,	PUNCT
easat-2774	36	32	and	and	CCONJ
easat-2774	36	33	increasing	increase	VERB
easat-2774	36	34	the	the	DET
easat-2774	36	35	ability	ability	NOUN
easat-2774	36	36	of	of	ADP
easat-2774	36	37	guarantee	guarantee	NOUN
easat-2774	36	38	companies	company	NOUN
easat-2774	36	39	to	to	PART
easat-2774	36	40	bear	bear	VERB
easat-2774	36	41	credit	credit	NOUN
easat-2774	36	42	risk	risk	NOUN
easat-2774	36	43	.	.	PUNCT
easat-2774	37	1	the	the	DET
easat-2774	37	2	novelty	novelty	NOUN
easat-2774	37	3	of	of	ADP
easat-2774	37	4	this	this	DET
easat-2774	37	5	research	research	NOUN
easat-2774	37	6	lies	lie	VERB
easat-2774	37	7	in	in	ADP
easat-2774	37	8	the	the	DET
easat-2774	37	9	integrated	integrate	VERB
easat-2774	37	10	internal	internal	ADJ
easat-2774	37	11	audit	audit	NOUN
easat-2774	37	12	that	that	PRON
easat-2774	37	13	mitigates	mitigate	VERB
easat-2774	37	14	financial	financial	ADJ
easat-2774	37	15	risk	risk	NOUN
easat-2774	37	16	.	.	PUNCT
easat-2774	38	1	2	2	X
easat-2774	38	2	.	.	X
easat-2774	38	3	literature	literature	NOUN
easat-2774	38	4	review	review	VERB
easat-2774	38	5	2.1	2.1	NUM
easat-2774	38	6	.	.	PUNCT
easat-2774	39	1	audit	audit	NOUN
easat-2774	39	2	theory	theory	NOUN
easat-2774	39	3	audit	audit	NOUN
easat-2774	39	4	theory	theory	NOUN
easat-2774	39	5	encompasses	encompass	VERB
easat-2774	39	6	a	a	DET
easat-2774	39	7	variety	variety	NOUN
easat-2774	39	8	of	of	ADP
easat-2774	39	9	approaches	approach	NOUN
easat-2774	39	10	and	and	CCONJ
easat-2774	39	11	methodologies	methodology	NOUN
easat-2774	39	12	aimed	aim	VERB
easat-2774	39	13	at	at	ADP
easat-2774	39	14	ensuring	ensure	VERB
easat-2774	39	15	the	the	DET
easat-2774	39	16	accuracy	accuracy	NOUN
easat-2774	39	17	of	of	ADP
easat-2774	39	18	information	information	NOUN
easat-2774	39	19	as	as	ADV
easat-2774	39	20	well	well	ADV
easat-2774	39	21	as	as	ADP
easat-2774	39	22	the	the	DET
easat-2774	39	23	effectiveness	effectiveness	NOUN
easat-2774	39	24	of	of	ADP
easat-2774	39	25	an	an	DET
easat-2774	39	26	organization	organization	NOUN
easat-2774	39	27	's	's	PART
easat-2774	39	28	strategy	strategy	NOUN
easat-2774	39	29	.	.	PUNCT
easat-2774	40	1	according	accord	VERB
easat-2774	40	2	to	to	ADP
easat-2774	40	3	akbaralievich	akbaralievich	PROPN
easat-2774	40	4	(	(	PUNCT
easat-2774	40	5	2020	2020	NUM
easat-2774	40	6	)	)	PUNCT
easat-2774	40	7	,	,	PUNCT
easat-2774	40	8	audits	audit	NOUN
easat-2774	40	9	not	not	PART
easat-2774	40	10	only	only	ADV
easat-2774	40	11	focus	focus	VERB
easat-2774	40	12	on	on	ADP
easat-2774	40	13	financial	financial	ADJ
easat-2774	40	14	statements	statement	NOUN
easat-2774	40	15	,	,	PUNCT
easat-2774	40	16	but	but	CCONJ
easat-2774	40	17	also	also	ADV
easat-2774	40	18	include	include	VERB
easat-2774	40	19	operational	operational	ADJ
easat-2774	40	20	audits	audits	NOUN
easat-2774	40	21	and	and	CCONJ
easat-2774	40	22	marketing	marketing	NOUN
easat-2774	40	23	audits	audits	NOUN
easat-2774	40	24	,	,	PUNCT
easat-2774	40	25	which	which	PRON
easat-2774	40	26	can	can	AUX
easat-2774	40	27	improve	improve	VERB
easat-2774	40	28	overall	overall	ADJ
easat-2774	40	29	company	company	NOUN
easat-2774	40	30	performance	performance	NOUN
easat-2774	40	31	.	.	PUNCT
easat-2774	41	1	in	in	ADP
easat-2774	41	2	the	the	DET
easat-2774	41	3	context	context	NOUN
easat-2774	41	4	of	of	ADP
easat-2774	41	5	marketing	marketing	NOUN
easat-2774	41	6	,	,	PUNCT
easat-2774	41	7	marketing	marketing	NOUN
easat-2774	41	8	audits	audits	NOUN
easat-2774	41	9	help	help	VERB
easat-2774	41	10	organizations	organization	NOUN
easat-2774	41	11	understand	understand	VERB
easat-2774	41	12	the	the	DET
easat-2774	41	13	market	market	NOUN
easat-2774	41	14	and	and	CCONJ
easat-2774	41	15	evaluate	evaluate	VERB
easat-2774	41	16	the	the	DET
easat-2774	41	17	effectiveness	effectiveness	NOUN
easat-2774	41	18	of	of	ADP
easat-2774	41	19	the	the	DET
easat-2774	41	20	strategies	strategy	NOUN
easat-2774	41	21	implemented	implement	VERB
easat-2774	41	22	(	(	PUNCT
easat-2774	41	23	cahya	cahya	NOUN
easat-2774	41	24	,	,	PUNCT
easat-2774	41	25	2019	2019	NUM
easat-2774	41	26	)	)	PUNCT
easat-2774	41	27	.	.	PUNCT
easat-2774	42	1	a	a	DET
easat-2774	42	2	marketing	marketing	NOUN
easat-2774	42	3	audit	audit	NOUN
easat-2774	42	4	involves	involve	VERB
easat-2774	42	5	analyzing	analyze	VERB
easat-2774	42	6	the	the	DET
easat-2774	42	7	external	external	ADJ
easat-2774	42	8	and	and	CCONJ
easat-2774	42	9	internal	internal	ADJ
easat-2774	42	10	environment	environment	NOUN
easat-2774	42	11	,	,	PUNCT
easat-2774	42	12	as	as	ADV
easat-2774	42	13	well	well	ADV
easat-2774	42	14	as	as	ADP
easat-2774	42	15	the	the	DET
easat-2774	42	16	use	use	NOUN
easat-2774	42	17	of	of	ADP
easat-2774	42	18	various	various	ADJ
easat-2774	42	19	analytical	analytical	ADJ
easat-2774	42	20	techniques	technique	NOUN
easat-2774	42	21	such	such	ADJ
easat-2774	42	22	as	as	ADP
easat-2774	42	23	swot	swot	NOUN
easat-2774	42	24	analysis	analysis	NOUN
easat-2774	42	25	to	to	PART
easat-2774	42	26	identify	identify	VERB
easat-2774	42	27	the	the	DET
easat-2774	42	28	strengths	strength	NOUN
easat-2774	42	29	,	,	PUNCT
easat-2774	42	30	weaknesses	weakness	NOUN
easat-2774	42	31	,	,	PUNCT
easat-2774	42	32	opportunities	opportunity	NOUN
easat-2774	42	33	,	,	PUNCT
easat-2774	42	34	and	and	CCONJ
easat-2774	42	35	threats	threat	NOUN
easat-2774	42	36	faced	face	VERB
easat-2774	42	37	by	by	ADP
easat-2774	42	38	the	the	DET
easat-2774	42	39	organization	organization	NOUN
easat-2774	42	40	(	(	PUNCT
easat-2774	42	41	mansour	mansour	PROPN
easat-2774	42	42	elkafrawi	elkafrawi	PROPN
easat-2774	42	43	et	et	PROPN
easat-2774	42	44	al	al	PROPN
easat-2774	42	45	.	.	PROPN
easat-2774	42	46	,	,	PUNCT
easat-2774	42	47	2023	2023	NUM
easat-2774	42	48	)	)	PUNCT
easat-2774	42	49	.	.	PUNCT
easat-2774	43	1	research	research	NOUN
easat-2774	43	2	by	by	ADP
easat-2774	43	3	feshchur	feshchur	PROPN
easat-2774	43	4	et	et	PROPN
easat-2774	43	5	al	al	PROPN
easat-2774	43	6	.	.	PROPN
easat-2774	44	1	(	(	PUNCT
easat-2774	44	2	2023	2023	NUM
easat-2774	44	3	)	)	PUNCT
easat-2774	44	4	shows	show	VERB
easat-2774	44	5	that	that	SCONJ
easat-2774	44	6	the	the	DET
easat-2774	44	7	implementation	implementation	NOUN
easat-2774	44	8	of	of	ADP
easat-2774	44	9	regular	regular	ADJ
easat-2774	44	10	marketing	marketing	NOUN
easat-2774	44	11	audits	audits	NOUN
easat-2774	44	12	can	can	AUX
easat-2774	44	13	improve	improve	VERB
easat-2774	44	14	customer	customer	NOUN
easat-2774	44	15	satisfaction	satisfaction	NOUN
easat-2774	44	16	and	and	CCONJ
easat-2774	44	17	sales	sale	NOUN
easat-2774	44	18	performance	performance	NOUN
easat-2774	44	19	,	,	PUNCT
easat-2774	44	20	providing	provide	VERB
easat-2774	44	21	a	a	DET
easat-2774	44	22	solid	solid	ADJ
easat-2774	44	23	basis	basis	NOUN
easat-2774	44	24	for	for	ADP
easat-2774	44	25	strategic	strategic	ADJ
easat-2774	44	26	decision	decision	NOUN
easat-2774	44	27	-	-	PUNCT
easat-2774	44	28	making	making	NOUN
easat-2774	44	29	.	.	PUNCT
easat-2774	45	1	2.2	2.2	NUM
easat-2774	45	2	.	.	PUNCT
easat-2774	45	3	technology	technology	NOUN
easat-2774	45	4	acceptance	acceptance	NOUN
easat-2774	45	5	model	model	NOUN
easat-2774	45	6	the	the	DET
easat-2774	45	7	technology	technology	NOUN
easat-2774	45	8	acceptance	acceptance	NOUN
easat-2774	45	9	model	model	NOUN
easat-2774	45	10	(	(	PUNCT
easat-2774	45	11	tam	tam	PROPN
easat-2774	45	12	)	)	PUNCT
easat-2774	45	13	is	be	AUX
easat-2774	45	14	a	a	DET
easat-2774	45	15	theoretical	theoretical	ADJ
easat-2774	45	16	framework	framework	NOUN
easat-2774	45	17	developed	develop	VERB
easat-2774	45	18	by	by	ADP
easat-2774	45	19	fred	fred	PROPN
easat-2774	45	20	davis	davis	PROPN
easat-2774	45	21	in	in	ADP
easat-2774	45	22	1989	1989	NUM
easat-2774	45	23	to	to	PART
easat-2774	45	24	understand	understand	VERB
easat-2774	45	25	and	and	CCONJ
easat-2774	45	26	predict	predict	VERB
easat-2774	45	27	user	user	NOUN
easat-2774	45	28	acceptance	acceptance	NOUN
easat-2774	45	29	of	of	ADP
easat-2774	45	30	new	new	ADJ
easat-2774	45	31	technologies	technology	NOUN
easat-2774	45	32	.	.	PUNCT
easat-2774	46	1	this	this	DET
easat-2774	46	2	model	model	NOUN
easat-2774	46	3	emphasizes	emphasize	VERB
easat-2774	46	4	two	two	NUM
easat-2774	46	5	main	main	ADJ
easat-2774	46	6	variables	variable	NOUN
easat-2774	46	7	:	:	PUNCT
easat-2774	46	8	perceived	perceive	VERB
easat-2774	46	9	usefulness	usefulness	NOUN
easat-2774	46	10	(	(	PUNCT
easat-2774	46	11	pu	pu	PROPN
easat-2774	46	12	)	)	PUNCT
easat-2774	46	13	and	and	CCONJ
easat-2774	46	14	perceived	perceive	VERB
easat-2774	46	15	ease	ease	NOUN
easat-2774	46	16	of	of	ADP
easat-2774	46	17	use	use	NOUN
easat-2774	46	18	(	(	PUNCT
easat-2774	46	19	peou	peou	ADV
easat-2774	46	20	)	)	PUNCT
easat-2774	46	21	.	.	PUNCT
easat-2774	47	1	pu	pu	PROPN
easat-2774	47	2	refers	refer	VERB
easat-2774	47	3	to	to	ADP
easat-2774	47	4	the	the	DET
easat-2774	47	5	extent	extent	NOUN
easat-2774	47	6	to	to	PART
easat-2774	47	7	which	which	PRON
easat-2774	47	8	users	user	NOUN
easat-2774	47	9	believe	believe	VERB
easat-2774	47	10	that	that	SCONJ
easat-2774	47	11	using	use	VERB
easat-2774	47	12	a	a	DET
easat-2774	47	13	particular	particular	ADJ
easat-2774	47	14	technology	technology	NOUN
easat-2774	47	15	will	will	AUX
easat-2774	47	16	improve	improve	VERB
easat-2774	47	17	their	their	PRON
easat-2774	47	18	performance	performance	NOUN
easat-2774	47	19	or	or	CCONJ
easat-2774	47	20	productivity	productivity	NOUN
easat-2774	47	21	,	,	PUNCT
easat-2774	47	22	while	while	SCONJ
easat-2774	47	23	peou	peou	ADV
easat-2774	47	24	refers	refer	VERB
easat-2774	47	25	to	to	ADP
easat-2774	47	26	the	the	DET
easat-2774	47	27	extent	extent	NOUN
easat-2774	47	28	to	to	PART
easat-2774	47	29	which	which	PRON
easat-2774	47	30	the	the	DET
easat-2774	47	31	technology	technology	NOUN
easat-2774	47	32	is	be	AUX
easat-2774	47	33	perceived	perceive	VERB
easat-2774	47	34	to	to	PART
easat-2774	47	35	be	be	AUX
easat-2774	47	36	easy	easy	ADJ
easat-2774	47	37	to	to	PART
easat-2774	47	38	use	use	VERB
easat-2774	47	39	.	.	PUNCT
easat-2774	48	1	according	accord	VERB
easat-2774	48	2	to	to	ADP
easat-2774	48	3	tam	tam	PROPN
easat-2774	48	4	,	,	PUNCT
easat-2774	48	5	the	the	DET
easat-2774	48	6	higher	high	ADJ
easat-2774	48	7	users	user	NOUN
easat-2774	48	8	'	'	PART
easat-2774	48	9	perceptions	perception	NOUN
easat-2774	48	10	of	of	ADP
easat-2774	48	11	these	these	DET
easat-2774	48	12	two	two	NUM
easat-2774	48	13	factors	factor	NOUN
easat-2774	48	14	,	,	PUNCT
easat-2774	48	15	the	the	PRON
easat-2774	48	16	more	more	ADV
easat-2774	48	17	likely	likely	ADJ
easat-2774	48	18	they	they	PRON
easat-2774	48	19	are	be	AUX
easat-2774	48	20	to	to	PART
easat-2774	48	21	adopt	adopt	VERB
easat-2774	48	22	the	the	DET
easat-2774	48	23	technology	technology	NOUN
easat-2774	48	24	(	(	PUNCT
easat-2774	48	25	davis	davis	PROPN
easat-2774	48	26	,	,	PUNCT
easat-2774	48	27	1989	1989	NUM
easat-2774	48	28	)	)	PUNCT
easat-2774	48	29	.	.	PUNCT
easat-2774	49	1	tam	tam	PROPN
easat-2774	49	2	has	have	AUX
easat-2774	49	3	been	be	AUX
easat-2774	49	4	applied	apply	VERB
easat-2774	49	5	in	in	ADP
easat-2774	49	6	various	various	ADJ
easat-2774	49	7	contexts	contexts	NOUN
easat-2774	49	8	,	,	PUNCT
easat-2774	49	9	including	include	VERB
easat-2774	49	10	education	education	NOUN
easat-2774	49	11	and	and	CCONJ
easat-2774	49	12	healthcare	healthcare	PROPN
easat-2774	49	13	,	,	PUNCT
easat-2774	49	14	to	to	PART
easat-2774	49	15	provide	provide	VERB
easat-2774	49	16	insights	insight	NOUN
easat-2774	49	17	into	into	ADP
easat-2774	49	18	the	the	DET
easat-2774	49	19	psychological	psychological	ADJ
easat-2774	49	20	factors	factor	NOUN
easat-2774	49	21	that	that	PRON
easat-2774	49	22	influence	influence	VERB
easat-2774	49	23	technology	technology	NOUN
easat-2774	49	24	acceptance	acceptance	NOUN
easat-2774	49	25	3591	3591	NUM
easat-2774	49	26	edelweiss	edelweiss	PROPN
easat-2774	49	27	applied	apply	VERB
easat-2774	49	28	science	science	NOUN
easat-2774	49	29	and	and	CCONJ
easat-2774	49	30	technology	technology	NOUN
easat-2774	49	31	issn	issn	PROPN
easat-2774	49	32	:	:	PUNCT
easat-2774	49	33	2576	2576	NUM
easat-2774	49	34	-	-	SYM
easat-2774	49	35	8484	8484	NUM
easat-2774	49	36	vol	vol	NOUN
easat-2774	49	37	.	.	PROPN
easat-2774	49	38	8	8	NUM
easat-2774	49	39	,	,	PUNCT
easat-2774	49	40	no	no	INTJ
easat-2774	49	41	.	.	NOUN
easat-2774	50	1	6	6	NUM
easat-2774	50	2	:	:	SYM
easat-2774	50	3	3589	3589	NUM
easat-2774	50	4	-	-	SYM
easat-2774	50	5	3601	3601	NUM
easat-2774	50	6	,	,	PUNCT
easat-2774	50	7	2024	2024	NUM
easat-2774	50	8	doi	doi	NOUN
easat-2774	50	9	:	:	PUNCT
easat-2774	50	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	50	11	©	©	PROPN
easat-2774	50	12	2024	2024	NUM
easat-2774	50	13	by	by	ADP
easat-2774	50	14	the	the	DET
easat-2774	50	15	authors	author	NOUN
easat-2774	50	16	;	;	PUNCT
easat-2774	50	17	licensee	licensee	PROPN
easat-2774	50	18	learning	learning	NOUN
easat-2774	50	19	gate	gate	NOUN
easat-2774	50	20	(	(	PUNCT
easat-2774	50	21	venkatesh	venkatesh	PROPN
easat-2774	50	22	et	et	PROPN
easat-2774	50	23	al	al	PROPN
easat-2774	50	24	.	.	PROPN
easat-2774	50	25	,	,	PUNCT
easat-2774	50	26	2016	2016	NUM
easat-2774	50	27	)	)	PUNCT
easat-2774	50	28	.	.	PUNCT
easat-2774	51	1	the	the	DET
easat-2774	51	2	model	model	NOUN
easat-2774	51	3	also	also	ADV
easat-2774	51	4	serves	serve	VERB
easat-2774	51	5	as	as	ADP
easat-2774	51	6	a	a	DET
easat-2774	51	7	foundation	foundation	NOUN
easat-2774	51	8	for	for	ADP
easat-2774	51	9	further	further	ADJ
easat-2774	51	10	research	research	NOUN
easat-2774	51	11	into	into	ADP
easat-2774	51	12	technology	technology	NOUN
easat-2774	51	13	acceptance	acceptance	NOUN
easat-2774	51	14	,	,	PUNCT
easat-2774	51	15	including	include	VERB
easat-2774	51	16	the	the	DET
easat-2774	51	17	development	development	NOUN
easat-2774	51	18	of	of	ADP
easat-2774	51	19	variations	variation	NOUN
easat-2774	51	20	and	and	CCONJ
easat-2774	51	21	modifications	modification	NOUN
easat-2774	51	22	to	to	PART
easat-2774	51	23	include	include	VERB
easat-2774	51	24	social	social	ADJ
easat-2774	51	25	factors	factor	NOUN
easat-2774	51	26	and	and	CCONJ
easat-2774	51	27	a	a	DET
easat-2774	51	28	broader	broad	ADJ
easat-2774	51	29	user	user	NOUN
easat-2774	51	30	context	context	NOUN
easat-2774	51	31	(	(	PUNCT
easat-2774	51	32	venkatesh	venkatesh	PROPN
easat-2774	51	33	&	&	CCONJ
easat-2774	51	34	bala	bala	PROPN
easat-2774	51	35	,	,	PUNCT
easat-2774	51	36	2008	2008	NUM
easat-2774	51	37	)	)	PUNCT
easat-2774	51	38	.	.	PUNCT
easat-2774	52	1	2.3	2.3	NUM
easat-2774	52	2	.	.	PUNCT
easat-2774	53	1	risk	risk	NOUN
easat-2774	53	2	management	management	NOUN
easat-2774	53	3	risk	risk	NOUN
easat-2774	53	4	management	management	NOUN
easat-2774	53	5	theory	theory	NOUN
easat-2774	53	6	is	be	AUX
easat-2774	53	7	a	a	DET
easat-2774	53	8	framework	framework	NOUN
easat-2774	53	9	used	use	VERB
easat-2774	53	10	to	to	PART
easat-2774	53	11	identify	identify	VERB
easat-2774	53	12	,	,	PUNCT
easat-2774	53	13	analyze	analyze	VERB
easat-2774	53	14	,	,	PUNCT
easat-2774	53	15	and	and	CCONJ
easat-2774	53	16	manage	manage	VERB
easat-2774	53	17	risks	risk	NOUN
easat-2774	53	18	that	that	PRON
easat-2774	53	19	may	may	AUX
easat-2774	53	20	affect	affect	VERB
easat-2774	53	21	the	the	DET
easat-2774	53	22	achievement	achievement	NOUN
easat-2774	53	23	of	of	ADP
easat-2774	53	24	organizational	organizational	ADJ
easat-2774	53	25	objectives	objective	NOUN
easat-2774	53	26	.	.	PUNCT
easat-2774	54	1	the	the	DET
easat-2774	54	2	process	process	NOUN
easat-2774	54	3	includes	include	VERB
easat-2774	54	4	several	several	ADJ
easat-2774	54	5	key	key	ADJ
easat-2774	54	6	steps	step	NOUN
easat-2774	54	7	:	:	PUNCT
easat-2774	54	8	context	context	NOUN
easat-2774	54	9	setting	setting	NOUN
easat-2774	54	10	,	,	PUNCT
easat-2774	54	11	risk	risk	NOUN
easat-2774	54	12	identification	identification	NOUN
easat-2774	54	13	,	,	PUNCT
easat-2774	54	14	risk	risk	NOUN
easat-2774	54	15	analysis	analysis	NOUN
easat-2774	54	16	,	,	PUNCT
easat-2774	54	17	risk	risk	NOUN
easat-2774	54	18	evaluation	evaluation	NOUN
easat-2774	54	19	,	,	PUNCT
easat-2774	54	20	risk	risk	NOUN
easat-2774	54	21	treatment	treatment	NOUN
easat-2774	54	22	,	,	PUNCT
easat-2774	54	23	and	and	CCONJ
easat-2774	54	24	monitoring	monitoring	NOUN
easat-2774	54	25	and	and	CCONJ
easat-2774	54	26	review	review	NOUN
easat-2774	54	27	(	(	PUNCT
easat-2774	54	28	iso	iso	NOUN
easat-2774	54	29	31000:2018	31000:2018	NUM
easat-2774	54	30	risk	risk	NOUN
easat-2774	54	31	management	management	NOUN
easat-2774	54	32	-	-	PUNCT
easat-2774	54	33	guidelines	guideline	NOUN
easat-2774	54	34	,	,	PUNCT
easat-2774	54	35	2018	2018	NUM
easat-2774	54	36	)	)	PUNCT
easat-2774	54	37	.	.	PUNCT
easat-2774	55	1	setting	set	VERB
easat-2774	55	2	the	the	DET
easat-2774	55	3	context	context	NOUN
easat-2774	55	4	involves	involve	VERB
easat-2774	55	5	understanding	understand	VERB
easat-2774	55	6	the	the	DET
easat-2774	55	7	environment	environment	NOUN
easat-2774	55	8	in	in	ADP
easat-2774	55	9	which	which	PRON
easat-2774	55	10	risks	risk	NOUN
easat-2774	55	11	are	be	AUX
easat-2774	55	12	managed	manage	VERB
easat-2774	55	13	,	,	PUNCT
easat-2774	55	14	while	while	SCONJ
easat-2774	55	15	risk	risk	NOUN
easat-2774	55	16	identification	identification	NOUN
easat-2774	55	17	focuses	focus	VERB
easat-2774	55	18	on	on	ADP
easat-2774	55	19	recognizing	recognize	VERB
easat-2774	55	20	the	the	DET
easat-2774	55	21	potential	potential	ADJ
easat-2774	55	22	threats	threat	NOUN
easat-2774	55	23	that	that	PRON
easat-2774	55	24	exist	exist	VERB
easat-2774	55	25	.	.	PUNCT
easat-2774	56	1	thereafter	thereafter	ADV
easat-2774	56	2	,	,	PUNCT
easat-2774	56	3	risk	risk	NOUN
easat-2774	56	4	analysis	analysis	NOUN
easat-2774	56	5	is	be	AUX
easat-2774	56	6	conducted	conduct	VERB
easat-2774	56	7	to	to	PART
easat-2774	56	8	understand	understand	VERB
easat-2774	56	9	the	the	DET
easat-2774	56	10	likelihood	likelihood	NOUN
easat-2774	56	11	and	and	CCONJ
easat-2774	56	12	impact	impact	NOUN
easat-2774	56	13	,	,	PUNCT
easat-2774	56	14	followed	follow	VERB
easat-2774	56	15	by	by	ADP
easat-2774	56	16	evaluation	evaluation	NOUN
easat-2774	56	17	to	to	PART
easat-2774	56	18	determine	determine	VERB
easat-2774	56	19	which	which	DET
easat-2774	56	20	risks	risk	NOUN
easat-2774	56	21	need	need	VERB
easat-2774	56	22	to	to	PART
easat-2774	56	23	be	be	AUX
easat-2774	56	24	addressed	address	VERB
easat-2774	56	25	further	far	ADV
easat-2774	56	26	.	.	PUNCT
easat-2774	57	1	risk	risk	NOUN
easat-2774	57	2	handling	handling	NOUN
easat-2774	57	3	includes	include	VERB
easat-2774	57	4	the	the	DET
easat-2774	57	5	development	development	NOUN
easat-2774	57	6	of	of	ADP
easat-2774	57	7	strategies	strategy	NOUN
easat-2774	57	8	to	to	PART
easat-2774	57	9	reduce	reduce	VERB
easat-2774	57	10	or	or	CCONJ
easat-2774	57	11	avoid	avoid	VERB
easat-2774	57	12	those	those	DET
easat-2774	57	13	risks	risk	NOUN
easat-2774	57	14	.	.	PUNCT
easat-2774	58	1	with	with	ADP
easat-2774	58	2	this	this	DET
easat-2774	58	3	systematic	systematic	ADJ
easat-2774	58	4	approach	approach	NOUN
easat-2774	58	5	,	,	PUNCT
easat-2774	58	6	risk	risk	NOUN
easat-2774	58	7	management	management	NOUN
easat-2774	58	8	aims	aim	VERB
easat-2774	58	9	not	not	PART
easat-2774	58	10	only	only	ADV
easat-2774	58	11	to	to	PART
easat-2774	58	12	minimize	minimize	VERB
easat-2774	58	13	losses	loss	NOUN
easat-2774	58	14	,	,	PUNCT
easat-2774	58	15	but	but	CCONJ
easat-2774	58	16	also	also	ADV
easat-2774	58	17	to	to	PART
easat-2774	58	18	capitalize	capitalize	VERB
easat-2774	58	19	on	on	ADP
easat-2774	58	20	existing	exist	VERB
easat-2774	58	21	opportunities	opportunity	NOUN
easat-2774	58	22	,	,	PUNCT
easat-2774	58	23	thus	thus	ADV
easat-2774	58	24	supporting	support	VERB
easat-2774	58	25	the	the	DET
easat-2774	58	26	sustainability	sustainability	NOUN
easat-2774	58	27	and	and	CCONJ
easat-2774	58	28	growth	growth	NOUN
easat-2774	58	29	of	of	ADP
easat-2774	58	30	the	the	DET
easat-2774	58	31	organization	organization	NOUN
easat-2774	58	32	(	(	PUNCT
easat-2774	58	33	barraza	barraza	PROPN
easat-2774	58	34	de	de	X
easat-2774	58	35	la	la	PROPN
easat-2774	58	36	paz	paz	PROPN
easat-2774	58	37	et	et	PROPN
easat-2774	58	38	al	al	PROPN
easat-2774	58	39	.	.	PROPN
easat-2774	58	40	,	,	PUNCT
easat-2774	58	41	2023	2023	NUM
easat-2774	58	42	)	)	PUNCT
easat-2774	58	43	.	.	PUNCT
easat-2774	59	1	2.4	2.4	NUM
easat-2774	59	2	.	.	PUNCT
easat-2774	60	1	research	research	NOUN
easat-2774	60	2	method	method	NOUN
easat-2774	60	3	the	the	DET
easat-2774	60	4	field	field	NOUN
easat-2774	60	5	study	study	NOUN
easat-2774	60	6	conducted	conduct	VERB
easat-2774	60	7	by	by	ADP
easat-2774	60	8	this	this	DET
easat-2774	60	9	research	research	NOUN
easat-2774	60	10	uses	use	VERB
easat-2774	60	11	a	a	DET
easat-2774	60	12	structured	structured	ADJ
easat-2774	60	13	interview	interview	NOUN
easat-2774	60	14	method	method	NOUN
easat-2774	60	15	with	with	ADP
easat-2774	60	16	triangulated	triangulate	VERB
easat-2774	60	17	data	datum	NOUN
easat-2774	60	18	because	because	SCONJ
easat-2774	60	19	it	it	PRON
easat-2774	60	20	uses	use	VERB
easat-2774	60	21	a	a	DET
easat-2774	60	22	variety	variety	NOUN
easat-2774	60	23	of	of	ADP
easat-2774	60	24	different	different	ADJ
easat-2774	60	25	data	datum	NOUN
easat-2774	60	26	sources	source	NOUN
easat-2774	60	27	in	in	ADP
easat-2774	60	28	the	the	DET
easat-2774	60	29	research	research	NOUN
easat-2774	60	30	to	to	PART
easat-2774	60	31	see	see	VERB
easat-2774	60	32	if	if	SCONJ
easat-2774	60	33	the	the	DET
easat-2774	60	34	results	result	NOUN
easat-2774	60	35	are	be	AUX
easat-2774	60	36	consistent	consistent	ADJ
easat-2774	60	37	between	between	ADP
easat-2774	60	38	these	these	DET
easat-2774	60	39	sources	source	NOUN
easat-2774	60	40	,	,	PUNCT
easat-2774	60	41	namely	namely	ADV
easat-2774	60	42	the	the	DET
easat-2774	60	43	credit	credit	NOUN
easat-2774	60	44	guarantee	guarantee	NOUN
easat-2774	60	45	company	company	NOUN
easat-2774	60	46	,	,	PUNCT
easat-2774	60	47	the	the	DET
easat-2774	60	48	credit	credit	NOUN
easat-2774	60	49	granting	grant	VERB
easat-2774	60	50	bank	bank	NOUN
easat-2774	60	51	,	,	PUNCT
easat-2774	60	52	and	and	CCONJ
easat-2774	60	53	the	the	DET
easat-2774	60	54	credit	credit	NOUN
easat-2774	60	55	recipient	recipient	NOUN
easat-2774	60	56	customers	customer	NOUN
easat-2774	60	57	with	with	ADP
easat-2774	60	58	the	the	DET
easat-2774	60	59	following	follow	VERB
easat-2774	60	60	details	detail	NOUN
easat-2774	60	61	:	:	PUNCT
easat-2774	60	62	table	table	NOUN
easat-2774	60	63	1	1	NUM
easat-2774	60	64	.	.	PUNCT
easat-2774	60	65	interviewee	interviewee	PROPN
easat-2774	60	66	.	.	PUNCT
easat-2774	61	1	no	no	INTJ
easat-2774	61	2	.	.	PUNCT
easat-2774	61	3	interviewee	interviewee	PROPN
easat-2774	61	4	1	1	NUM
easat-2774	61	5	.	.	PUNCT
easat-2774	61	6	pt	pt	PROPN
easat-2774	61	7	.	.	PROPN
easat-2774	61	8	jamkrida	jamkrida	PROPN
easat-2774	61	9	jatim	jatim	PROPN
easat-2774	61	10	2	2	NUM
easat-2774	61	11	.	.	PUNCT
easat-2774	61	12	pt	pt	PROPN
easat-2774	61	13	.	.	PROPN
easat-2774	61	14	jamkrida	jamkrida	PROPN
easat-2774	61	15	jateng	jateng	PROPN
easat-2774	61	16	3	3	PROPN
easat-2774	61	17	.	.	PUNCT
easat-2774	61	18	pt	pt	PROPN
easat-2774	61	19	.	.	PROPN
easat-2774	61	20	jamkrida	jamkrida	PROPN
easat-2774	61	21	jabar	jabar	PROPN
easat-2774	61	22	4	4	NUM
easat-2774	61	23	.	.	PUNCT
easat-2774	61	24	pt	pt	PROPN
easat-2774	61	25	.	.	PROPN
easat-2774	61	26	jamkrida	jamkrida	PROPN
easat-2774	61	27	jakarta	jakarta	PROPN
easat-2774	61	28	5	5	NUM
easat-2774	61	29	.	.	PUNCT
easat-2774	62	1	bank	bank	PROPN
easat-2774	62	2	jatim	jatim	PROPN
easat-2774	62	3	malang	malang	PROPN
easat-2774	62	4	branch	branch	PROPN
easat-2774	62	5	6	6	NUM
easat-2774	62	6	.	.	PUNCT
easat-2774	63	1	bpr	bpr	PROPN
easat-2774	63	2	jatim	jatim	PROPN
easat-2774	63	3	kediri	kediri	PROPN
easat-2774	63	4	branch	branch	PROPN
easat-2774	63	5	7	7	NUM
easat-2774	63	6	.	.	PUNCT
easat-2774	64	1	bpr	bpr	PROPN
easat-2774	64	2	jatim	jatim	PROPN
easat-2774	64	3	kepanjen	kepanjen	PROPN
easat-2774	64	4	branch	branch	PROPN
easat-2774	64	5	8	8	NUM
easat-2774	64	6	.	.	PUNCT
easat-2774	65	1	client	client	NOUN
easat-2774	65	2	surety	surety	NOUN
easat-2774	65	3	bond	bond	NOUN
easat-2774	65	4	malang	malang	NOUN
easat-2774	65	5	9	9	X
easat-2774	65	6	.	.	PUNCT
easat-2774	65	7	client	client	NOUN
easat-2774	65	8	surety	surety	NOUN
easat-2774	65	9	bond	bond	NOUN
easat-2774	65	10	mojokerto	mojokerto	VERB
easat-2774	65	11	10	10	NUM
easat-2774	65	12	.	.	PUNCT
easat-2774	66	1	client	client	NOUN
easat-2774	66	2	surety	surety	NOUN
easat-2774	66	3	bond	bond	NOUN
easat-2774	66	4	tuban	tuban	VERB
easat-2774	66	5	the	the	DET
easat-2774	66	6	results	result	NOUN
easat-2774	66	7	of	of	ADP
easat-2774	66	8	interviews	interview	NOUN
easat-2774	66	9	with	with	ADP
easat-2774	66	10	these	these	DET
easat-2774	66	11	parties	party	NOUN
easat-2774	66	12	will	will	AUX
easat-2774	66	13	then	then	ADV
easat-2774	66	14	be	be	AUX
easat-2774	66	15	processed	process	VERB
easat-2774	66	16	using	use	VERB
easat-2774	66	17	the	the	DET
easat-2774	66	18	analytical	analytical	ADJ
easat-2774	66	19	hierarchy	hierarchy	NOUN
easat-2774	66	20	process	process	NOUN
easat-2774	66	21	(	(	PUNCT
easat-2774	66	22	ahp	ahp	NOUN
easat-2774	66	23	)	)	PUNCT
easat-2774	66	24	to	to	PART
easat-2774	66	25	determine	determine	VERB
easat-2774	66	26	the	the	DET
easat-2774	66	27	priority	priority	NOUN
easat-2774	66	28	scale	scale	NOUN
easat-2774	66	29	with	with	ADP
easat-2774	66	30	several	several	ADJ
easat-2774	66	31	stages	stage	NOUN
easat-2774	66	32	,	,	PUNCT
easat-2774	66	33	namely	namely	ADV
easat-2774	66	34	making	make	VERB
easat-2774	66	35	a	a	DET
easat-2774	66	36	pairwise	pairwise	NOUN
easat-2774	66	37	comparison	comparison	NOUN
easat-2774	66	38	matrix	matrix	NOUN
easat-2774	66	39	,	,	PUNCT
easat-2774	66	40	calculating	calculate	VERB
easat-2774	66	41	the	the	DET
easat-2774	66	42	eigenvalue	eigenvalue	NOUN
easat-2774	66	43	of	of	ADP
easat-2774	66	44	normality	normality	NOUN
easat-2774	66	45	,	,	PUNCT
easat-2774	66	46	calculating	calculate	VERB
easat-2774	66	47	the	the	DET
easat-2774	66	48	eigenvector	eigenvector	NOUN
easat-2774	66	49	value	value	NOUN
easat-2774	66	50	,	,	PUNCT
easat-2774	66	51	calculating	calculate	VERB
easat-2774	66	52	the	the	DET
easat-2774	66	53	consistency	consistency	NOUN
easat-2774	66	54	index	index	NOUN
easat-2774	66	55	(	(	PUNCT
easat-2774	66	56	ci	ci	NOUN
easat-2774	66	57	)	)	PUNCT
easat-2774	66	58	,	,	PUNCT
easat-2774	66	59	and	and	CCONJ
easat-2774	66	60	calculating	calculate	VERB
easat-2774	66	61	the	the	DET
easat-2774	66	62	consistency	consistency	NOUN
easat-2774	66	63	ratio	ratio	NOUN
easat-2774	66	64	(	(	PUNCT
easat-2774	66	65	cr	cr	NOUN
easat-2774	66	66	)	)	PUNCT
easat-2774	66	67	.	.	PUNCT
easat-2774	67	1	the	the	DET
easat-2774	67	2	results	result	NOUN
easat-2774	67	3	of	of	ADP
easat-2774	67	4	this	this	DET
easat-2774	67	5	analysis	analysis	NOUN
easat-2774	67	6	will	will	AUX
easat-2774	67	7	result	result	VERB
easat-2774	67	8	in	in	ADP
easat-2774	67	9	a	a	DET
easat-2774	67	10	pgr	pgr	NOUN
easat-2774	67	11	(	(	PUNCT
easat-2774	67	12	program	program	NOUN
easat-2774	67	13	gearing	gearing	NOUN
easat-2774	67	14	ratio	ratio	NOUN
easat-2774	67	15	)	)	PUNCT
easat-2774	67	16	digitalization	digitalization	NOUN
easat-2774	67	17	design	design	NOUN
easat-2774	67	18	which	which	PRON
easat-2774	67	19	aims	aim	VERB
easat-2774	67	20	to	to	PART
easat-2774	67	21	utilize	utilize	VERB
easat-2774	67	22	digital	digital	ADJ
easat-2774	67	23	technology	technology	NOUN
easat-2774	67	24	in	in	ADP
easat-2774	67	25	managing	manage	VERB
easat-2774	67	26	gearing	gear	VERB
easat-2774	67	27	ratios	ratio	NOUN
easat-2774	67	28	in	in	ADP
easat-2774	67	29	companies	company	NOUN
easat-2774	67	30	,	,	PUNCT
easat-2774	67	31	especially	especially	ADV
easat-2774	67	32	in	in	ADP
easat-2774	67	33	the	the	DET
easat-2774	67	34	credit	credit	NOUN
easat-2774	67	35	guarantee	guarantee	NOUN
easat-2774	67	36	industry	industry	NOUN
easat-2774	67	37	,	,	PUNCT
easat-2774	67	38	and	and	CCONJ
easat-2774	67	39	follow	follow	VERB
easat-2774	67	40	-	-	PUNCT
easat-2774	67	41	up	up	ADP
easat-2774	67	42	steps	step	NOUN
easat-2774	67	43	in	in	ADP
easat-2774	67	44	the	the	DET
easat-2774	67	45	form	form	NOUN
easat-2774	67	46	of	of	ADP
easat-2774	67	47	strategies	strategy	NOUN
easat-2774	67	48	with	with	ADP
easat-2774	67	49	swot	swot	NOUN
easat-2774	67	50	analysis	analysis	NOUN
easat-2774	67	51	(	(	PUNCT
easat-2774	67	52	strengths	strength	NOUN
easat-2774	67	53	,	,	PUNCT
easat-2774	67	54	weakness	weakness	NOUN
easat-2774	67	55	,	,	PUNCT
easat-2774	67	56	opportunities	opportunity	NOUN
easat-2774	67	57	,	,	PUNCT
easat-2774	67	58	and	and	CCONJ
easat-2774	67	59	threats	threat	NOUN
easat-2774	67	60	)	)	PUNCT
easat-2774	67	61	using	use	VERB
easat-2774	67	62	efas	efas	NOUN
easat-2774	67	63	(	(	PUNCT
easat-2774	67	64	external	external	ADJ
easat-2774	67	65	factor	factor	NOUN
easat-2774	67	66	analysis	analysis	NOUN
easat-2774	67	67	summary	summary	NOUN
easat-2774	67	68	)	)	PUNCT
easat-2774	67	69	and	and	CCONJ
easat-2774	67	70	ifas	ifas	NOUN
easat-2774	67	71	(	(	PUNCT
easat-2774	67	72	internal	internal	ADJ
easat-2774	67	73	factor	factor	NOUN
easat-2774	67	74	analysis	analysis	NOUN
easat-2774	67	75	summary	summary	NOUN
easat-2774	67	76	)	)	PUNCT
easat-2774	67	77	to	to	PART
easat-2774	67	78	produce	produce	VERB
easat-2774	67	79	sustainability	sustainability	NOUN
easat-2774	67	80	in	in	ADP
easat-2774	67	81	the	the	DET
easat-2774	67	82	performance	performance	NOUN
easat-2774	67	83	of	of	ADP
easat-2774	67	84	the	the	DET
easat-2774	67	85	credit	credit	NOUN
easat-2774	67	86	guarantee	guarantee	NOUN
easat-2774	67	87	industry	industry	NOUN
easat-2774	67	88	.	.	PUNCT
easat-2774	68	1	3	3	X
easat-2774	68	2	.	.	X
easat-2774	68	3	result	result	VERB
easat-2774	68	4	the	the	DET
easat-2774	68	5	gearing	gear	VERB
easat-2774	68	6	ratio	ratio	NOUN
easat-2774	68	7	measures	measure	NOUN
easat-2774	68	8	the	the	DET
easat-2774	68	9	extent	extent	NOUN
easat-2774	68	10	to	to	PART
easat-2774	68	11	which	which	PRON
easat-2774	68	12	a	a	DET
easat-2774	68	13	company	company	NOUN
easat-2774	68	14	can	can	AUX
easat-2774	68	15	guarantee	guarantee	VERB
easat-2774	68	16	credit	credit	NOUN
easat-2774	68	17	compared	compare	VERB
easat-2774	68	18	to	to	ADP
easat-2774	68	19	equity	equity	NOUN
easat-2774	68	20	.	.	PUNCT
easat-2774	69	1	in	in	ADP
easat-2774	69	2	the	the	DET
easat-2774	69	3	credit	credit	NOUN
easat-2774	69	4	guarantee	guarantee	NOUN
easat-2774	69	5	industry	industry	NOUN
easat-2774	69	6	,	,	PUNCT
easat-2774	69	7	the	the	DET
easat-2774	69	8	gearing	gear	VERB
easat-2774	69	9	ratio	ratio	NOUN
easat-2774	69	10	provides	provide	VERB
easat-2774	69	11	an	an	DET
easat-2774	69	12	overview	overview	NOUN
easat-2774	69	13	of	of	ADP
easat-2774	69	14	the	the	DET
easat-2774	69	15	financial	financial	ADJ
easat-2774	69	16	risk	risk	NOUN
easat-2774	69	17	and	and	CCONJ
easat-2774	69	18	stability	stability	NOUN
easat-2774	69	19	of	of	ADP
easat-2774	69	20	the	the	DET
easat-2774	69	21	company	company	NOUN
easat-2774	69	22	.	.	PUNCT
easat-2774	70	1	a	a	DET
easat-2774	70	2	high	high	ADJ
easat-2774	70	3	ratio	ratio	NOUN
easat-2774	70	4	indicates	indicate	VERB
easat-2774	70	5	the	the	DET
easat-2774	70	6	level	level	NOUN
easat-2774	70	7	of	of	ADP
easat-2774	70	8	risk	risk	NOUN
easat-2774	70	9	guaranteed	guarantee	VERB
easat-2774	70	10	,	,	PUNCT
easat-2774	70	11	while	while	SCONJ
easat-2774	70	12	a	a	DET
easat-2774	70	13	low	low	ADJ
easat-2774	70	14	ratio	ratio	NOUN
easat-2774	70	15	indicates	indicate	VERB
easat-2774	70	16	that	that	SCONJ
easat-2774	70	17	the	the	DET
easat-2774	70	18	guarantee	guarantee	NOUN
easat-2774	70	19	company	company	NOUN
easat-2774	70	20	has	have	AUX
easat-2774	70	21	been	be	AUX
easat-2774	70	22	unable	unable	ADJ
easat-2774	70	23	to	to	PART
easat-2774	70	24	optimize	optimize	VERB
easat-2774	70	25	its	its	PRON
easat-2774	70	26	equity	equity	NOUN
easat-2774	70	27	capacity	capacity	NOUN
easat-2774	70	28	.	.	PUNCT
easat-2774	71	1	to	to	PART
easat-2774	71	2	manage	manage	VERB
easat-2774	71	3	3592	3592	NUM
easat-2774	71	4	edelweiss	edelweiss	PROPN
easat-2774	71	5	applied	apply	VERB
easat-2774	71	6	science	science	NOUN
easat-2774	71	7	and	and	CCONJ
easat-2774	71	8	technology	technology	NOUN
easat-2774	71	9	issn	issn	PROPN
easat-2774	71	10	:	:	PUNCT
easat-2774	71	11	2576	2576	NUM
easat-2774	71	12	-	-	SYM
easat-2774	71	13	8484	8484	NUM
easat-2774	71	14	vol	vol	NOUN
easat-2774	71	15	.	.	PROPN
easat-2774	71	16	8	8	NUM
easat-2774	71	17	,	,	PUNCT
easat-2774	71	18	no	no	INTJ
easat-2774	71	19	.	.	NOUN
easat-2774	71	20	6	6	NUM
easat-2774	71	21	:	:	SYM
easat-2774	71	22	3589	3589	NUM
easat-2774	71	23	-	-	SYM
easat-2774	71	24	3601	3601	NUM
easat-2774	71	25	,	,	PUNCT
easat-2774	71	26	2024	2024	NUM
easat-2774	71	27	doi	doi	NOUN
easat-2774	71	28	:	:	PUNCT
easat-2774	71	29	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	71	30	©	©	PROPN
easat-2774	71	31	2024	2024	NUM
easat-2774	71	32	by	by	ADP
easat-2774	71	33	the	the	DET
easat-2774	71	34	authors	author	NOUN
easat-2774	71	35	;	;	PUNCT
easat-2774	71	36	licensee	licensee	PROPN
easat-2774	71	37	learning	learn	VERB
easat-2774	71	38	gate	gate	NOUN
easat-2774	71	39	gearing	gear	VERB
easat-2774	71	40	ratios	ratio	NOUN
easat-2774	71	41	,	,	PUNCT
easat-2774	71	42	guarantee	guarantee	VERB
easat-2774	71	43	institutions	institution	NOUN
easat-2774	71	44	consider	consider	VERB
easat-2774	71	45	diversifying	diversify	VERB
easat-2774	71	46	financing	financing	NOUN
easat-2774	71	47	sources	source	NOUN
easat-2774	71	48	,	,	PUNCT
easat-2774	71	49	including	include	VERB
easat-2774	71	50	seeking	seek	VERB
easat-2774	71	51	additional	additional	ADJ
easat-2774	71	52	equity	equity	NOUN
easat-2774	71	53	sources	source	NOUN
easat-2774	71	54	.	.	PUNCT
easat-2774	72	1	one	one	NUM
easat-2774	72	2	example	example	NOUN
easat-2774	72	3	is	be	AUX
easat-2774	72	4	that	that	SCONJ
easat-2774	72	5	as	as	ADP
easat-2774	72	6	of	of	ADP
easat-2774	72	7	the	the	DET
easat-2774	72	8	end	end	NOUN
easat-2774	72	9	of	of	ADP
easat-2774	72	10	june	june	PROPN
easat-2774	72	11	2024	2024	NUM
easat-2774	72	12	,	,	PUNCT
easat-2774	72	13	pt	pt	PROPN
easat-2774	72	14	jamkrida	jamkrida	PROPN
easat-2774	72	15	jatim	jatim	PROPN
easat-2774	72	16	had	have	VERB
easat-2774	72	17	a	a	DET
easat-2774	72	18	gearing	gear	VERB
easat-2774	72	19	ratio	ratio	NOUN
easat-2774	72	20	of	of	ADP
easat-2774	72	21	34	34	NUM
easat-2774	72	22	times	time	NOUN
easat-2774	72	23	,	,	PUNCT
easat-2774	72	24	close	close	ADJ
easat-2774	72	25	to	to	ADP
easat-2774	72	26	the	the	DET
easat-2774	72	27	maximum	maximum	ADJ
easat-2774	72	28	limit	limit	NOUN
easat-2774	72	29	of	of	ADP
easat-2774	72	30	40	40	NUM
easat-2774	72	31	times	time	NOUN
easat-2774	72	32	set	set	VERB
easat-2774	72	33	by	by	ADP
easat-2774	72	34	ojk	ojk	NOUN
easat-2774	72	35	.	.	PUNCT
easat-2774	73	1	this	this	PRON
easat-2774	73	2	shows	show	VERB
easat-2774	73	3	that	that	SCONJ
easat-2774	73	4	the	the	DET
easat-2774	73	5	company	company	NOUN
easat-2774	73	6	is	be	AUX
easat-2774	73	7	still	still	ADV
easat-2774	73	8	in	in	ADP
easat-2774	73	9	a	a	DET
easat-2774	73	10	healthy	healthy	ADJ
easat-2774	73	11	position	position	NOUN
easat-2774	73	12	,	,	PUNCT
easat-2774	73	13	but	but	CCONJ
easat-2774	73	14	there	there	PRON
easat-2774	73	15	is	be	VERB
easat-2774	73	16	room	room	NOUN
easat-2774	73	17	for	for	ADP
easat-2774	73	18	improvement	improvement	NOUN
easat-2774	73	19	or	or	CCONJ
easat-2774	73	20	adjustment	adjustment	NOUN
easat-2774	73	21	.	.	PUNCT
easat-2774	74	1	to	to	PART
easat-2774	74	2	increase	increase	VERB
easat-2774	74	3	its	its	PRON
easat-2774	74	4	guarantor	guarantor	NOUN
easat-2774	74	5	capacity	capacity	NOUN
easat-2774	74	6	,	,	PUNCT
easat-2774	74	7	pt	pt	PROPN
easat-2774	74	8	jamkrida	jamkrida	PROPN
easat-2774	74	9	jatim	jatim	PROPN
easat-2774	74	10	is	be	AUX
easat-2774	74	11	submitting	submit	VERB
easat-2774	74	12	additional	additional	ADJ
easat-2774	74	13	applications	application	NOUN
easat-2774	74	14	to	to	ADP
easat-2774	74	15	the	the	DET
easat-2774	74	16	east	east	PROPN
easat-2774	74	17	java	java	PROPN
easat-2774	74	18	provincial	provincial	ADJ
easat-2774	74	19	government	government	NOUN
easat-2774	74	20	and	and	CCONJ
easat-2774	74	21	other	other	ADJ
easat-2774	74	22	potential	potential	ADJ
easat-2774	74	23	shareholders	shareholder	NOUN
easat-2774	74	24	.	.	PUNCT
easat-2774	75	1	the	the	DET
easat-2774	75	2	guarantee	guarantee	NOUN
easat-2774	75	3	fee	fee	NOUN
easat-2774	75	4	tariff	tariff	NOUN
easat-2774	75	5	(	(	PUNCT
easat-2774	75	6	ijp	ijp	NOUN
easat-2774	75	7	)	)	PUNCT
easat-2774	75	8	is	be	AUX
easat-2774	75	9	the	the	DET
easat-2774	75	10	amount	amount	NOUN
easat-2774	75	11	of	of	ADP
easat-2774	75	12	money	money	NOUN
easat-2774	75	13	received	receive	VERB
easat-2774	75	14	by	by	ADP
easat-2774	75	15	the	the	DET
easat-2774	75	16	guarantee	guarantee	NOUN
easat-2774	75	17	company	company	NOUN
easat-2774	75	18	from	from	ADP
easat-2774	75	19	the	the	DET
easat-2774	75	20	guarantee	guarantee	NOUN
easat-2774	75	21	in	in	ADP
easat-2774	75	22	the	the	DET
easat-2774	75	23	context	context	NOUN
easat-2774	75	24	of	of	ADP
easat-2774	75	25	guarantee	guarantee	NOUN
easat-2774	75	26	activities	activity	NOUN
easat-2774	75	27	.	.	PUNCT
easat-2774	76	1	the	the	DET
easat-2774	76	2	current	current	ADJ
easat-2774	76	3	ijp	ijp	ADJ
easat-2774	76	4	tariff	tariff	NOUN
easat-2774	76	5	is	be	AUX
easat-2774	76	6	still	still	ADV
easat-2774	76	7	based	base	VERB
easat-2774	76	8	on	on	ADP
easat-2774	76	9	market	market	NOUN
easat-2774	76	10	rates	rate	NOUN
easat-2774	76	11	that	that	PRON
easat-2774	76	12	overlap	overlap	VERB
easat-2774	76	13	with	with	ADP
easat-2774	76	14	insurance	insurance	NOUN
easat-2774	76	15	rates	rate	NOUN
easat-2774	76	16	even	even	ADV
easat-2774	76	17	though	though	SCONJ
easat-2774	76	18	the	the	DET
easat-2774	76	19	financial	financial	ADJ
easat-2774	76	20	services	service	NOUN
easat-2774	76	21	authority	authority	NOUN
easat-2774	76	22	has	have	AUX
easat-2774	76	23	regulated	regulate	VERB
easat-2774	76	24	it	it	PRON
easat-2774	76	25	regarding	regard	VERB
easat-2774	76	26	the	the	DET
easat-2774	76	27	limits	limit	NOUN
easat-2774	76	28	of	of	ADP
easat-2774	76	29	allowed	allow	VERB
easat-2774	76	30	and	and	CCONJ
easat-2774	76	31	not	not	PART
easat-2774	76	32	allowed	allow	VERB
easat-2774	76	33	services	service	NOUN
easat-2774	76	34	.	.	PUNCT
easat-2774	77	1	this	this	DET
easat-2774	77	2	tariff	tariff	NOUN
easat-2774	77	3	still	still	ADV
easat-2774	77	4	does	do	AUX
easat-2774	77	5	not	not	PART
easat-2774	77	6	show	show	VERB
easat-2774	77	7	adequate	adequate	ADJ
easat-2774	77	8	coverage	coverage	NOUN
easat-2774	77	9	of	of	ADP
easat-2774	77	10	claims	claim	NOUN
easat-2774	77	11	and	and	CCONJ
easat-2774	77	12	it	it	PRON
easat-2774	77	13	is	be	AUX
easat-2774	77	14	necessary	necessary	ADJ
easat-2774	77	15	for	for	SCONJ
easat-2774	77	16	the	the	DET
easat-2774	77	17	financial	financial	ADJ
easat-2774	77	18	services	service	NOUN
easat-2774	77	19	authority	authority	NOUN
easat-2774	77	20	must	must	AUX
easat-2774	77	21	regulate	regulate	VERB
easat-2774	77	22	the	the	DET
easat-2774	77	23	tariff	tariff	NOUN
easat-2774	77	24	limit	limit	NOUN
easat-2774	77	25	for	for	ADP
easat-2774	77	26	the	the	DET
easat-2774	77	27	guarantee	guarantee	NOUN
easat-2774	77	28	industry	industry	NOUN
easat-2774	77	29	so	so	SCONJ
easat-2774	77	30	as	as	SCONJ
easat-2774	77	31	to	to	PART
easat-2774	77	32	create	create	VERB
easat-2774	77	33	a	a	DET
easat-2774	77	34	sustainable	sustainable	ADJ
easat-2774	77	35	guarantee	guarantee	NOUN
easat-2774	77	36	ecosystem	ecosystem	NOUN
easat-2774	77	37	.	.	PUNCT
easat-2774	78	1	the	the	DET
easat-2774	78	2	results	result	NOUN
easat-2774	78	3	of	of	ADP
easat-2774	78	4	this	this	DET
easat-2774	78	5	study	study	NOUN
easat-2774	78	6	include	include	VERB
easat-2774	78	7	research	research	NOUN
easat-2774	78	8	design	design	NOUN
easat-2774	78	9	,	,	PUNCT
easat-2774	78	10	field	field	NOUN
easat-2774	78	11	research	research	NOUN
easat-2774	78	12	,	,	PUNCT
easat-2774	78	13	and	and	CCONJ
easat-2774	78	14	data	datum	NOUN
easat-2774	78	15	collection	collection	NOUN
easat-2774	78	16	in	in	ADP
easat-2774	78	17	the	the	DET
easat-2774	78	18	form	form	NOUN
easat-2774	78	19	of	of	ADP
easat-2774	78	20	interviews	interview	NOUN
easat-2774	78	21	with	with	ADP
easat-2774	78	22	competent	competent	ADJ
easat-2774	78	23	parties	party	NOUN
easat-2774	78	24	in	in	ADP
easat-2774	78	25	the	the	DET
easat-2774	78	26	credit	credit	NOUN
easat-2774	78	27	guarantee	guarantee	NOUN
easat-2774	78	28	industry	industry	NOUN
easat-2774	78	29	.	.	PUNCT
easat-2774	79	1	the	the	DET
easat-2774	79	2	data	datum	NOUN
easat-2774	79	3	obtained	obtain	VERB
easat-2774	79	4	through	through	ADP
easat-2774	79	5	interviews	interview	NOUN
easat-2774	79	6	with	with	ADP
easat-2774	79	7	ten	ten	NUM
easat-2774	79	8	related	related	ADJ
easat-2774	79	9	parties	party	NOUN
easat-2774	79	10	was	be	AUX
easat-2774	79	11	then	then	ADV
easat-2774	79	12	analyzed	analyze	VERB
easat-2774	79	13	using	use	VERB
easat-2774	79	14	several	several	ADJ
easat-2774	79	15	stages	stage	NOUN
easat-2774	79	16	as	as	SCONJ
easat-2774	79	17	follows	follow	VERB
easat-2774	79	18	:	:	PUNCT
easat-2774	80	1	3.1	3.1	NUM
easat-2774	80	2	.	.	PUNCT
easat-2774	80	3	analytical	analytical	ADJ
easat-2774	80	4	hierarchy	hierarchy	NOUN
easat-2774	80	5	process	process	NOUN
easat-2774	80	6	(	(	PUNCT
easat-2774	80	7	ahp	ahp	NOUN
easat-2774	80	8	)	)	PUNCT
easat-2774	80	9	table	table	NOUN
easat-2774	80	10	2	2	NUM
easat-2774	80	11	.	.	PUNCT
easat-2774	80	12	consistency	consistency	NOUN
easat-2774	80	13	index	index	PROPN
easat-2774	80	14	.	.	PUNCT
easat-2774	80	15	matrix	matrix	NOUN
easat-2774	80	16	size	size	NOUN
easat-2774	80	17	(	(	PUNCT
easat-2774	80	18	n	n	CCONJ
easat-2774	80	19	)	)	PUNCT
easat-2774	80	20	ir	ir	NOUN
easat-2774	80	21	value	value	NOUN
easat-2774	80	22	(	(	PUNCT
easat-2774	80	23	index	index	NOUN
easat-2774	80	24	random	random	ADJ
easat-2774	80	25	)	)	PUNCT
easat-2774	80	26	1	1	NUM
easat-2774	80	27	.	.	SYM
easat-2774	80	28	2	2	NUM
easat-2774	80	29	0.00	0.00	NUM
easat-2774	80	30	3	3	NUM
easat-2774	80	31	0.58	0.58	NUM
easat-2774	80	32	4	4	NUM
easat-2774	80	33	0.90	0.90	NUM
easat-2774	80	34	5	5	NUM
easat-2774	80	35	1.12	1.12	NUM
easat-2774	80	36	6	6	NUM
easat-2774	80	37	1.24	1.24	NUM
easat-2774	80	38	7	7	NUM
easat-2774	80	39	1.32	1.32	NUM
easat-2774	80	40	8	8	NUM
easat-2774	80	41	1.41	1.41	NUM
easat-2774	80	42	9	9	NUM
easat-2774	80	43	1.45	1.45	NUM
easat-2774	80	44	10	10	NUM
easat-2774	80	45	1.49	1.49	NUM
easat-2774	80	46	11	11	NUM
easat-2774	80	47	1.51	1.51	NUM
easat-2774	80	48	12	12	NUM
easat-2774	80	49	1.48	1.48	NUM
easat-2774	80	50	13	13	NUM
easat-2774	80	51	1.56	1.56	NUM
easat-2774	80	52	14	14	NUM
easat-2774	80	53	1.57	1.57	NUM
easat-2774	80	54	15	15	NUM
easat-2774	80	55	1.59	1.59	NUM
easat-2774	80	56	3593	3593	NUM
easat-2774	80	57	edelweiss	edelweiss	PROPN
easat-2774	80	58	applied	apply	VERB
easat-2774	80	59	science	science	NOUN
easat-2774	80	60	and	and	CCONJ
easat-2774	80	61	technology	technology	NOUN
easat-2774	80	62	issn	issn	PROPN
easat-2774	80	63	:	:	PUNCT
easat-2774	80	64	2576	2576	NUM
easat-2774	80	65	-	-	SYM
easat-2774	80	66	8484	8484	NUM
easat-2774	80	67	vol	vol	NOUN
easat-2774	80	68	.	.	PROPN
easat-2774	80	69	8	8	NUM
easat-2774	80	70	,	,	PUNCT
easat-2774	80	71	no	no	INTJ
easat-2774	80	72	.	.	NOUN
easat-2774	80	73	6	6	NUM
easat-2774	80	74	:	:	SYM
easat-2774	80	75	3589	3589	NUM
easat-2774	80	76	-	-	SYM
easat-2774	80	77	3601	3601	NUM
easat-2774	80	78	,	,	PUNCT
easat-2774	80	79	2024	2024	NUM
easat-2774	80	80	doi	doi	NOUN
easat-2774	80	81	:	:	PUNCT
easat-2774	80	82	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	80	83	©	©	PROPN
easat-2774	80	84	2024	2024	NUM
easat-2774	80	85	by	by	ADP
easat-2774	80	86	the	the	DET
easat-2774	80	87	authors	author	NOUN
easat-2774	80	88	;	;	PUNCT
easat-2774	80	89	licensee	licensee	PROPN
easat-2774	80	90	learning	learning	NOUN
easat-2774	80	91	gate	gate	NOUN
easat-2774	80	92	3.2	3.2	NUM
easat-2774	80	93	.	.	PUNCT
easat-2774	81	1	creating	create	VERB
easat-2774	81	2	a	a	DET
easat-2774	81	3	pairwise	pairwise	NOUN
easat-2774	81	4	comparison	comparison	NOUN
easat-2774	81	5	matrix	matrix	NOUN
easat-2774	81	6	figure	figure	NOUN
easat-2774	81	7	1	1	NUM
easat-2774	81	8	.	.	PUNCT
easat-2774	81	9	ahp	ahp	NOUN
easat-2774	81	10	criteria	criterion	NOUN
easat-2774	81	11	.	.	PUNCT
easat-2774	82	1	this	this	DET
easat-2774	82	2	study	study	NOUN
easat-2774	82	3	has	have	VERB
easat-2774	82	4	five	five	NUM
easat-2774	82	5	criteria	criterion	NOUN
easat-2774	82	6	,	,	PUNCT
easat-2774	82	7	namely	namely	ADV
easat-2774	82	8	macroeconomic	macroeconomic	ADJ
easat-2774	82	9	and	and	CCONJ
easat-2774	82	10	monetary	monetary	ADJ
easat-2774	82	11	criteria	criterion	NOUN
easat-2774	82	12	,	,	PUNCT
easat-2774	82	13	financial	financial	ADJ
easat-2774	82	14	services	service	NOUN
easat-2774	82	15	authority	authority	NOUN
easat-2774	82	16	regulations	regulation	NOUN
easat-2774	82	17	,	,	PUNCT
easat-2774	82	18	governance	governance	NOUN
easat-2774	82	19	,	,	PUNCT
easat-2774	82	20	credit	credit	NOUN
easat-2774	82	21	financial	financial	ADJ
easat-2774	82	22	risk	risk	NOUN
easat-2774	82	23	,	,	PUNCT
easat-2774	82	24	and	and	CCONJ
easat-2774	82	25	business	business	NOUN
easat-2774	82	26	sustainability	sustainability	NOUN
easat-2774	82	27	strategies	strategy	NOUN
easat-2774	82	28	.	.	PUNCT
easat-2774	83	1	the	the	DET
easat-2774	83	2	value	value	NOUN
easat-2774	83	3	in	in	ADP
easat-2774	83	4	this	this	DET
easat-2774	83	5	pairwise	pairwise	NOUN
easat-2774	83	6	comparison	comparison	NOUN
easat-2774	83	7	matrix	matrix	NOUN
easat-2774	83	8	is	be	AUX
easat-2774	83	9	based	base	VERB
easat-2774	83	10	on	on	ADP
easat-2774	83	11	decision	decision	NOUN
easat-2774	83	12	-	-	PUNCT
easat-2774	83	13	making	make	VERB
easat-2774	83	14	judgment	judgment	NOUN
easat-2774	83	15	to	to	PART
easat-2774	83	16	represent	represent	VERB
easat-2774	83	17	the	the	DET
easat-2774	83	18	relative	relative	ADJ
easat-2774	83	19	importance	importance	NOUN
easat-2774	83	20	of	of	ADP
easat-2774	83	21	one	one	NUM
easat-2774	83	22	element	element	NOUN
easat-2774	83	23	to	to	ADP
easat-2774	83	24	another	another	PRON
easat-2774	83	25	.	.	PUNCT
easat-2774	84	1	table	table	NOUN
easat-2774	84	2	3	3	NUM
easat-2774	84	3	.	.	PUNCT
easat-2774	84	4	priority	priority	NOUN
easat-2774	84	5	comparison	comparison	NOUN
easat-2774	84	6	.	.	PUNCT
easat-2774	85	1	intensity	intensity	NOUN
easat-2774	85	2	of	of	ADP
easat-2774	85	3	importance	importance	NOUN
easat-2774	85	4	on	on	ADP
easat-2774	85	5	an	an	DET
easat-2774	85	6	absolute	absolute	ADJ
easat-2774	85	7	scale	scale	NOUN
easat-2774	85	8	definition	definition	NOUN
easat-2774	85	9	1	1	NUM
easat-2774	85	10	equal	equal	ADJ
easat-2774	85	11	importance	importance	NOUN
easat-2774	85	12	3	3	NUM
easat-2774	85	13	weak	weak	ADJ
easat-2774	85	14	importance	importance	NOUN
easat-2774	85	15	of	of	ADP
easat-2774	85	16	one	one	NUM
easat-2774	85	17	over	over	ADP
easat-2774	85	18	another	another	DET
easat-2774	85	19	5	5	NUM
easat-2774	85	20	essential	essential	ADJ
easat-2774	85	21	or	or	CCONJ
easat-2774	85	22	strong	strong	ADJ
easat-2774	85	23	importance	importance	NOUN
easat-2774	85	24	7	7	NUM
easat-2774	85	25	demonstrated	demonstrate	VERB
easat-2774	85	26	importance	importance	NOUN
easat-2774	85	27	9	9	NUM
easat-2774	85	28	extreme	extreme	ADJ
easat-2774	85	29	importance	importance	NOUN
easat-2774	85	30	2	2	NUM
easat-2774	85	31	,	,	PUNCT
easat-2774	85	32	4	4	NUM
easat-2774	85	33	,	,	PUNCT
easat-2774	85	34	6	6	NUM
easat-2774	85	35	,	,	PUNCT
easat-2774	85	36	8	8	NUM
easat-2774	85	37	values	value	NOUN
easat-2774	85	38	between	between	ADP
easat-2774	85	39	two	two	NUM
easat-2774	85	40	adjacent	adjacent	ADJ
easat-2774	85	41	considerations	consideration	NOUN
easat-2774	85	42	.	.	PUNCT
easat-2774	86	1	this	this	DET
easat-2774	86	2	value	value	NOUN
easat-2774	86	3	is	be	AUX
easat-2774	86	4	given	give	VERB
easat-2774	86	5	when	when	SCONJ
easat-2774	86	6	there	there	PRON
easat-2774	86	7	are	be	VERB
easat-2774	86	8	two	two	NUM
easat-2774	86	9	compromises	compromise	NOUN
easat-2774	86	10	between	between	ADP
easat-2774	86	11	2	2	NUM
easat-2774	86	12	options	option	NOUN
easat-2774	86	13	the	the	DET
easat-2774	86	14	fundamental	fundamental	ADJ
easat-2774	86	15	scale	scale	NOUN
easat-2774	86	16	for	for	ADP
easat-2774	86	17	pairwise	pairwise	NOUN
easat-2774	86	18	comparisons	comparison	NOUN
easat-2774	86	19	is	be	AUX
easat-2774	86	20	as	as	ADP
easat-2774	86	21	in	in	ADP
easat-2774	86	22	table	table	NOUN
easat-2774	86	23	4	4	NUM
easat-2774	86	24	.	.	NOUN
easat-2774	86	25	3594	3594	NUM
easat-2774	86	26	edelweiss	edelweiss	PROPN
easat-2774	86	27	applied	apply	VERB
easat-2774	86	28	science	science	NOUN
easat-2774	86	29	and	and	CCONJ
easat-2774	86	30	technology	technology	NOUN
easat-2774	86	31	issn	issn	PROPN
easat-2774	86	32	:	:	PUNCT
easat-2774	86	33	2576	2576	NUM
easat-2774	86	34	-	-	SYM
easat-2774	86	35	8484	8484	NUM
easat-2774	86	36	vol	vol	NOUN
easat-2774	86	37	.	.	PROPN
easat-2774	86	38	8	8	NUM
easat-2774	86	39	,	,	PUNCT
easat-2774	86	40	no	no	INTJ
easat-2774	86	41	.	.	NOUN
easat-2774	86	42	6	6	NUM
easat-2774	86	43	:	:	SYM
easat-2774	86	44	3589	3589	NUM
easat-2774	86	45	-	-	SYM
easat-2774	86	46	3601	3601	NUM
easat-2774	86	47	,	,	PUNCT
easat-2774	86	48	2024	2024	NUM
easat-2774	86	49	doi	doi	NOUN
easat-2774	86	50	:	:	PUNCT
easat-2774	86	51	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	86	52	©	©	PROPN
easat-2774	86	53	2024	2024	NUM
easat-2774	86	54	by	by	ADP
easat-2774	86	55	the	the	DET
easat-2774	86	56	authors	author	NOUN
easat-2774	86	57	;	;	PUNCT
easat-2774	86	58	licensee	licensee	PROPN
easat-2774	86	59	learning	learn	VERB
easat-2774	86	60	gate	gate	NOUN
easat-2774	86	61	table	table	NOUN
easat-2774	86	62	4	4	NUM
easat-2774	86	63	.	.	PUNCT
easat-2774	87	1	pairwise	pairwise	NOUN
easat-2774	87	2	comparison	comparison	NOUN
easat-2774	87	3	matrix	matrix	NOUN
easat-2774	87	4	.	.	PUNCT
easat-2774	88	1	criteria	criterion	NOUN
easat-2774	88	2	macroeconomic	macroeconomic	ADJ
easat-2774	88	3	and	and	CCONJ
easat-2774	88	4	monetary	monetary	ADJ
easat-2774	88	5	financial	financial	ADJ
easat-2774	88	6	services	service	NOUN
easat-2774	88	7	authority	authority	NOUN
easat-2774	88	8	regulation	regulation	NOUN
easat-2774	88	9	corporate	corporate	ADJ
easat-2774	88	10	governance	governance	NOUN
easat-2774	88	11	credit	credit	NOUN
easat-2774	88	12	financial	financial	ADJ
easat-2774	88	13	risk	risk	NOUN
easat-2774	88	14	business	business	NOUN
easat-2774	88	15	sustainability	sustainability	NOUN
easat-2774	88	16	strategy	strategy	NOUN
easat-2774	88	17	macroeconomic	macroeconomic	ADJ
easat-2774	88	18	and	and	CCONJ
easat-2774	88	19	monetary	monetary	ADJ
easat-2774	88	20	1	1	NUM
easat-2774	88	21	2	2	NUM
easat-2774	88	22	3	3	NUM
easat-2774	88	23	3	3	NUM
easat-2774	88	24	5	5	NUM
easat-2774	88	25	financial	financial	ADJ
easat-2774	88	26	services	service	NOUN
easat-2774	88	27	authority	authority	NOUN
easat-2774	88	28	regulation	regulation	NOUN
easat-2774	88	29	0.5	0.5	NUM
easat-2774	88	30	1	1	NUM
easat-2774	88	31	1.5	1.5	NUM
easat-2774	88	32	1.5	1.5	NUM
easat-2774	88	33	2.5	2.5	NUM
easat-2774	88	34	corporate	corporate	ADJ
easat-2774	88	35	governance	governance	NOUN
easat-2774	88	36	0.33	0.33	NUM
easat-2774	88	37	0.67	0.67	NUM
easat-2774	88	38	1	1	NUM
easat-2774	88	39	1	1	NUM
easat-2774	88	40	1.67	1.67	NUM
easat-2774	88	41	credit	credit	NOUN
easat-2774	88	42	financial	financial	ADJ
easat-2774	88	43	risk	risk	NOUN
easat-2774	88	44	0.33	0.33	NUM
easat-2774	88	45	0.67	0.67	NUM
easat-2774	88	46	1	1	NUM
easat-2774	88	47	1	1	NUM
easat-2774	88	48	1.67	1.67	NUM
easat-2774	88	49	business	business	NOUN
easat-2774	88	50	sustainability	sustainability	NOUN
easat-2774	88	51	strategy	strategy	NOUN
easat-2774	88	52	0.2	0.2	NUM
easat-2774	88	53	0.4	0.4	NUM
easat-2774	88	54	0.6	0.6	NUM
easat-2774	88	55	0.6	0.6	NUM
easat-2774	88	56	1	1	NUM
easat-2774	88	57	total	total	NOUN
easat-2774	88	58	2.37	2.37	NUM
easat-2774	88	59	4.73	4.73	NUM
easat-2774	88	60	7.1	7.1	NUM
easat-2774	88	61	7.1	7.1	NUM
easat-2774	88	62	11.83	11.83	NUM
easat-2774	88	63	3.3	3.3	NUM
easat-2774	88	64	.	.	PUNCT
easat-2774	89	1	calculating	calculate	VERB
easat-2774	89	2	the	the	DET
easat-2774	89	3	eigenvalue	eigenvalue	NOUN
easat-2774	89	4	of	of	ADP
easat-2774	89	5	normality	normality	NOUN
easat-2774	89	6	table	table	NOUN
easat-2774	89	7	5	5	NUM
easat-2774	89	8	.	.	PUNCT
easat-2774	89	9	eigen	eigen	PROPN
easat-2774	89	10	normalization	normalization	PROPN
easat-2774	89	11	.	.	PUNCT
easat-2774	90	1	criteria	criterion	NOUN
easat-2774	90	2	macroeconomic	macroeconomic	ADJ
easat-2774	90	3	and	and	CCONJ
easat-2774	90	4	monetary	monetary	ADJ
easat-2774	90	5	financial	financial	ADJ
easat-2774	90	6	services	service	NOUN
easat-2774	90	7	authority	authority	NOUN
easat-2774	90	8	regulation	regulation	NOUN
easat-2774	90	9	corporate	corporate	ADJ
easat-2774	90	10	governance	governance	NOUN
easat-2774	90	11	credit	credit	NOUN
easat-2774	90	12	financial	financial	ADJ
easat-2774	90	13	risk	risk	NOUN
easat-2774	90	14	business	business	NOUN
easat-2774	90	15	sustainability	sustainability	NOUN
easat-2774	90	16	strategy	strategy	NOUN
easat-2774	90	17	total	total	NOUN
easat-2774	90	18	priority	priority	NOUN
easat-2774	90	19	macroeconomic	macroeconomic	ADJ
easat-2774	90	20	and	and	CCONJ
easat-2774	90	21	monetary	monetary	ADJ
easat-2774	90	22	0.42	0.42	NUM
easat-2774	90	23	0.42	0.42	NUM
easat-2774	90	24	0.42	0.42	NUM
easat-2774	90	25	0.42	0.42	NUM
easat-2774	90	26	0.42	0.42	NUM
easat-2774	90	27	2.11	2.11	NUM
easat-2774	90	28	0.42	0.42	NUM
easat-2774	90	29	financial	financial	ADJ
easat-2774	90	30	services	service	NOUN
easat-2774	90	31	authority	authority	NOUN
easat-2774	90	32	regulation	regulation	NOUN
easat-2774	90	33	0.21	0.21	NUM
easat-2774	90	34	0.21	0.21	NUM
easat-2774	90	35	0.21	0.21	NUM
easat-2774	90	36	0.21	0.21	NUM
easat-2774	90	37	0.21	0.21	NUM
easat-2774	90	38	1.06	1.06	NUM
easat-2774	90	39	0.21	0.21	NUM
easat-2774	90	40	corporate	corporate	ADJ
easat-2774	90	41	governance	governance	NOUN
easat-2774	90	42	0.14	0.14	NUM
easat-2774	90	43	0.14	0.14	NUM
easat-2774	90	44	0.14	0.14	NUM
easat-2774	90	45	0.14	0.14	NUM
easat-2774	90	46	0.14	0.14	NUM
easat-2774	90	47	0.70	0.70	NUM
easat-2774	90	48	0.14	0.14	NUM
easat-2774	90	49	credit	credit	NOUN
easat-2774	90	50	financial	financial	ADJ
easat-2774	90	51	risk	risk	NOUN
easat-2774	90	52	0.14	0.14	NUM
easat-2774	90	53	0.14	0.14	NUM
easat-2774	90	54	0.14	0.14	NUM
easat-2774	90	55	0.14	0.14	NUM
easat-2774	90	56	0.14	0.14	NUM
easat-2774	90	57	0.70	0.70	NUM
easat-2774	90	58	0.14	0.14	NUM
easat-2774	90	59	business	business	NOUN
easat-2774	90	60	sustainability	sustainability	NOUN
easat-2774	90	61	strategy	strategy	NOUN
easat-2774	90	62	0.08	0.08	NUM
easat-2774	90	63	0.08	0.08	NUM
easat-2774	90	64	0.08	0.08	NUM
easat-2774	90	65	0.08	0.08	NUM
easat-2774	90	66	0.08	0.08	NUM
easat-2774	90	67	0.42	0.42	NUM
easat-2774	90	68	0.08	0.08	NUM
easat-2774	90	69	3.4	3.4	NUM
easat-2774	90	70	.	.	PUNCT
easat-2774	91	1	calculating	calculate	VERB
easat-2774	91	2	the	the	DET
easat-2774	91	3	eigenvalue	eigenvalue	NOUN
easat-2774	91	4	of	of	ADP
easat-2774	91	5	the	the	DET
easat-2774	91	6	vector	vector	NOUN
easat-2774	91	7	table	table	NOUN
easat-2774	91	8	6	6	NUM
easat-2774	91	9	.	.	PUNCT
easat-2774	92	1	eigen	eigen	PROPN
easat-2774	92	2	vectors	vector	NOUN
easat-2774	92	3	.	.	PUNCT
easat-2774	93	1	criteria	criterion	NOUN
easat-2774	93	2	macroeconomic	macroeconomic	ADJ
easat-2774	93	3	and	and	CCONJ
easat-2774	93	4	monetary	monetary	ADJ
easat-2774	93	5	financial	financial	ADJ
easat-2774	93	6	services	service	NOUN
easat-2774	93	7	authority	authority	NOUN
easat-2774	93	8	regulation	regulation	NOUN
easat-2774	93	9	corporate	corporate	ADJ
easat-2774	93	10	governance	governance	NOUN
easat-2774	93	11	credit	credit	NOUN
easat-2774	93	12	financial	financial	ADJ
easat-2774	93	13	risk	risk	NOUN
easat-2774	93	14	business	business	NOUN
easat-2774	93	15	sustainability	sustainability	NOUN
easat-2774	93	16	strategy	strategy	NOUN
easat-2774	93	17	total	total	NOUN
easat-2774	93	18	macroeconomic	macroeconomic	ADJ
easat-2774	93	19	and	and	CCONJ
easat-2774	93	20	monetary	monetary	ADJ
easat-2774	93	21	0.42	0.42	NUM
easat-2774	93	22	0.42	0.42	NUM
easat-2774	93	23	0.63	0.63	NUM
easat-2774	93	24	0.63	0.63	NUM
easat-2774	93	25	1.06	1.06	NUM
easat-2774	93	26	3.17	3.17	NUM
easat-2774	93	27	financial	financial	ADJ
easat-2774	93	28	services	service	NOUN
easat-2774	93	29	authority	authority	NOUN
easat-2774	93	30	regulation	regulation	NOUN
easat-2774	93	31	0.07	0.07	NUM
easat-2774	93	32	0.14	0.14	NUM
easat-2774	93	33	0.21	0.21	NUM
easat-2774	93	34	0.21	0.21	NUM
easat-2774	93	35	0.35	0.35	NUM
easat-2774	93	36	0.99	0.99	NUM
easat-2774	93	37	3595	3595	NUM
easat-2774	93	38	edelweiss	edelweiss	PROPN
easat-2774	93	39	applied	apply	VERB
easat-2774	93	40	science	science	NOUN
easat-2774	93	41	and	and	CCONJ
easat-2774	93	42	technology	technology	NOUN
easat-2774	93	43	issn	issn	PROPN
easat-2774	93	44	:	:	PUNCT
easat-2774	93	45	2576	2576	NUM
easat-2774	93	46	-	-	SYM
easat-2774	93	47	8484	8484	NUM
easat-2774	93	48	vol	vol	NOUN
easat-2774	93	49	.	.	PROPN
easat-2774	93	50	8	8	NUM
easat-2774	93	51	,	,	PUNCT
easat-2774	93	52	no	no	INTJ
easat-2774	93	53	.	.	NOUN
easat-2774	93	54	6	6	NUM
easat-2774	93	55	:	:	SYM
easat-2774	93	56	3589	3589	NUM
easat-2774	93	57	-	-	SYM
easat-2774	93	58	3601	3601	NUM
easat-2774	93	59	,	,	PUNCT
easat-2774	93	60	2024	2024	NUM
easat-2774	93	61	doi	doi	NOUN
easat-2774	93	62	:	:	PUNCT
easat-2774	93	63	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	93	64	©	©	PROPN
easat-2774	93	65	2024	2024	NUM
easat-2774	93	66	by	by	ADP
easat-2774	93	67	the	the	DET
easat-2774	93	68	authors	author	NOUN
easat-2774	93	69	;	;	PUNCT
easat-2774	93	70	licensee	licensee	PROPN
easat-2774	93	71	learning	learn	VERB
easat-2774	93	72	gate	gate	VERB
easat-2774	93	73	corporate	corporate	ADJ
easat-2774	93	74	governance	governance	NOUN
easat-2774	93	75	0.05	0.05	NUM
easat-2774	93	76	0.09	0.09	NUM
easat-2774	93	77	0.14	0.14	NUM
easat-2774	93	78	0.14	0.14	NUM
easat-2774	93	79	0.23	0.23	NUM
easat-2774	93	80	0.66	0.66	NUM
easat-2774	93	81	credit	credit	NOUN
easat-2774	93	82	financial	financial	ADJ
easat-2774	93	83	risk	risk	NOUN
easat-2774	93	84	0.03	0.03	NUM
easat-2774	93	85	0.06	0.06	NUM
easat-2774	93	86	0.08	0.08	NUM
easat-2774	93	87	0.08	0.08	NUM
easat-2774	93	88	0.14	0.14	NUM
easat-2774	93	89	0.39	0.39	NUM
easat-2774	93	90	business	business	NOUN
easat-2774	93	91	sustainability	sustainability	NOUN
easat-2774	93	92	strategy	strategy	NOUN
easat-2774	93	93	0.20	0.20	NUM
easat-2774	93	94	0.40	0.40	NUM
easat-2774	93	95	0.60	0.60	NUM
easat-2774	93	96	0.60	0.60	NUM
easat-2774	93	97	1.00	1.00	NUM
easat-2774	93	98	2.80	2.80	NUM
easat-2774	93	99	3.5	3.5	NUM
easat-2774	93	100	.	.	PUNCT
easat-2774	94	1	calculating	calculate	VERB
easat-2774	94	2	the	the	DET
easat-2774	94	3	consistency	consistency	NOUN
easat-2774	94	4	index	index	NOUN
easat-2774	94	5	value	value	NOUN
easat-2774	94	6	(	(	PUNCT
easat-2774	94	7	ci	ci	NOUN
easat-2774	94	8	)	)	PUNCT
easat-2774	94	9	this	this	DET
easat-2774	94	10	calculation	calculation	NOUN
easat-2774	94	11	is	be	AUX
easat-2774	94	12	used	use	VERB
easat-2774	94	13	to	to	PART
easat-2774	94	14	ensure	ensure	VERB
easat-2774	94	15	that	that	SCONJ
easat-2774	94	16	the	the	DET
easat-2774	94	17	value	value	NOUN
easat-2774	94	18	of	of	ADP
easat-2774	94	19	the	the	DET
easat-2774	94	20	consistency	consistency	NOUN
easat-2774	94	21	ratio	ratio	NOUN
easat-2774	94	22	(	(	PUNCT
easat-2774	94	23	cr	cr	X
easat-2774	94	24	)	)	PUNCT
easat-2774	94	25	<	<	X
easat-2774	94	26	0,1	0,1	NUM
easat-2774	94	27	.	.	PUNCT
easat-2774	94	28	table	table	NOUN
easat-2774	94	29	7	7	NUM
easat-2774	94	30	.	.	PUNCT
easat-2774	94	31	consistency	consistency	NOUN
easat-2774	94	32	ratio	ratio	NOUN
easat-2774	94	33	calculation	calculation	NOUN
easat-2774	94	34	.	.	PUNCT
easat-2774	95	1	criteria	criterion	NOUN
easat-2774	95	2	total	total	ADJ
easat-2774	95	3	priority	priority	NOUN
easat-2774	95	4	results	result	NOUN
easat-2774	95	5	macroeconomic	macroeconomic	ADJ
easat-2774	95	6	and	and	CCONJ
easat-2774	95	7	monetary	monetary	ADJ
easat-2774	95	8	3.17	3.17	NUM
easat-2774	95	9	0.42	0.42	NUM
easat-2774	95	10	3.59	3.59	NUM
easat-2774	95	11	financial	financial	ADJ
easat-2774	95	12	services	service	NOUN
easat-2774	95	13	authority	authority	NOUN
easat-2774	95	14	regulation	regulation	NOUN
easat-2774	95	15	0.99	0.99	NUM
easat-2774	95	16	0.21	0.21	NUM
easat-2774	95	17	1.20	1.20	NUM
easat-2774	95	18	corporate	corporate	ADJ
easat-2774	95	19	governance	governance	NOUN
easat-2774	95	20	0.66	0.66	NUM
easat-2774	95	21	0.14	0.14	NUM
easat-2774	95	22	0.80	0.80	NUM
easat-2774	95	23	credit	credit	NOUN
easat-2774	95	24	financial	financial	ADJ
easat-2774	95	25	risk	risk	NOUN
easat-2774	95	26	0.39	0.39	NUM
easat-2774	95	27	0.14	0.14	NUM
easat-2774	95	28	0.54	0.54	NUM
easat-2774	95	29	business	business	NOUN
easat-2774	95	30	sustainability	sustainability	NOUN
easat-2774	95	31	strategy	strategy	NOUN
easat-2774	95	32	2.80	2.80	NUM
easat-2774	95	33	0.08	0.08	NUM
easat-2774	95	34	2.88	2.88	NUM
easat-2774	95	35	total	total	NOUN
easat-2774	95	36	9.01	9.01	NUM
easat-2774	95	37	from	from	ADP
easat-2774	95	38	the	the	DET
easat-2774	95	39	table	table	NOUN
easat-2774	95	40	above	above	ADV
easat-2774	95	41	,	,	PUNCT
easat-2774	95	42	the	the	DET
easat-2774	95	43	following	follow	VERB
easat-2774	95	44	values	value	NOUN
easat-2774	95	45	are	be	AUX
easat-2774	95	46	obtained	obtain	VERB
easat-2774	95	47	:	:	PUNCT
easat-2774	95	48	total	total	ADJ
easat-2774	95	49	result	result	NOUN
easat-2774	95	50	=	=	SYM
easat-2774	95	51	9.01	9.01	NUM
easat-2774	95	52	n	n	NOUN
easat-2774	95	53	(	(	PUNCT
easat-2774	95	54	number	number	NOUN
easat-2774	95	55	of	of	ADP
easat-2774	95	56	criteria	criterion	NOUN
easat-2774	95	57	)	)	PUNCT
easat-2774	96	1	=	=	SYM
easat-2774	96	2	5	5	NUM
easat-2774	96	3	λ	λ	X
easat-2774	96	4	max	max	PROPN
easat-2774	96	5	(	(	PUNCT
easat-2774	96	6	sum	sum	NOUN
easat-2774	96	7	divided	divide	VERB
easat-2774	96	8	by	by	ADP
easat-2774	96	9	n	n	CCONJ
easat-2774	96	10	)	)	PUNCT
easat-2774	96	11	=	=	SYM
easat-2774	97	1	9,01	9,01	NUM
easat-2774	97	2	:	:	SYM
easat-2774	97	3	5	5	NUM
easat-2774	97	4	=	=	SYM
easat-2774	97	5	1,80	1,80	NUM
easat-2774	97	6	ci	ci	NOUN
easat-2774	97	7	(	(	PUNCT
easat-2774	97	8	(	(	PUNCT
easat-2774	97	9	λ	λ	X
easat-2774	97	10	max	max	X
easat-2774	97	11	–	–	PUNCT
easat-2774	97	12	n)/n	n)/n	PROPN
easat-2774	97	13	)	)	PUNCT
easat-2774	97	14	=	=	PUNCT
easat-2774	97	15	(	(	PUNCT
easat-2774	97	16	1,80	1,80	NUM
easat-2774	97	17	–	–	PUNCT
easat-2774	97	18	5	5	NUM
easat-2774	97	19	)	)	PUNCT
easat-2774	97	20	:	:	PUNCT
easat-2774	98	1	5	5	X
easat-2774	98	2	=	=	SYM
easat-2774	98	3	-0,64	-0,64	PUNCT
easat-2774	98	4	1	1	X
easat-2774	98	5	.	.	PUNCT
easat-2774	98	6	calculating	calculate	VERB
easat-2774	98	7	the	the	DET
easat-2774	98	8	consistency	consistency	NOUN
easat-2774	98	9	ratio	ratio	NOUN
easat-2774	98	10	(	(	PUNCT
easat-2774	98	11	cr	cr	NOUN
easat-2774	98	12	)	)	PUNCT
easat-2774	98	13	cr	cr	NOUN
easat-2774	98	14	=	=	SYM
easat-2774	98	15	ci	ci	PROPN
easat-2774	98	16	/	/	SYM
easat-2774	98	17	ir	ir	PROPN
easat-2774	98	18	cr	cr	PROPN
easat-2774	98	19	=	=	SYM
easat-2774	98	20	(	(	PUNCT
easat-2774	98	21	ci	ci	PROPN
easat-2774	98	22	/	/	SYM
easat-2774	98	23	ir	ir	PROPN
easat-2774	98	24	)	)	PUNCT
easat-2774	98	25	=	=	SYM
easat-2774	99	1	-0,64	-0,64	PUNCT
easat-2774	99	2	:	:	PUNCT
easat-2774	99	3	1,12=	1,12=	NUM
easat-2774	99	4	-0,57	-0,57	PUNCT
easat-2774	99	5	where	where	SCONJ
easat-2774	99	6	cr	cr	PROPN
easat-2774	99	7	=	=	SYM
easat-2774	99	8	consistency	consistency	NOUN
easat-2774	99	9	ratio	ratio	NOUN
easat-2774	99	10	ci	ci	NOUN
easat-2774	99	11	=	=	NOUN
easat-2774	99	12	consistency	consistency	NOUN
easat-2774	99	13	index	index	NOUN
easat-2774	99	14	ir	ir	NOUN
easat-2774	99	15	=	=	PUNCT
easat-2774	99	16	random	random	ADJ
easat-2774	99	17	consistency	consistency	NOUN
easat-2774	99	18	index	index	NOUN
easat-2774	99	19	since	since	SCONJ
easat-2774	99	20	cr	cr	X
easat-2774	99	21	<	<	X
easat-2774	99	22	0.1	0.1	NUM
easat-2774	99	23	,	,	PUNCT
easat-2774	99	24	the	the	DET
easat-2774	99	25	preference	preference	NOUN
easat-2774	99	26	weighting	weighting	NOUN
easat-2774	99	27	is	be	AUX
easat-2774	99	28	consistent	consistent	ADJ
easat-2774	99	29	.	.	PUNCT
easat-2774	100	1	3.6	3.6	NUM
easat-2774	100	2	.	.	PUNCT
easat-2774	100	3	pgr	pgr	NOUN
easat-2774	100	4	digitalization	digitalization	NOUN
easat-2774	100	5	design	design	NOUN
easat-2774	100	6	based	base	VERB
easat-2774	100	7	on	on	ADP
easat-2774	100	8	the	the	DET
easat-2774	100	9	analysis	analysis	NOUN
easat-2774	100	10	results	result	NOUN
easat-2774	100	11	with	with	ADP
easat-2774	100	12	ahp	ahp	NOUN
easat-2774	100	13	,	,	PUNCT
easat-2774	100	14	a	a	DET
easat-2774	100	15	context	context	NOUN
easat-2774	100	16	diagram	diagram	NOUN
easat-2774	100	17	of	of	ADP
easat-2774	100	18	the	the	DET
easat-2774	100	19	decision	decision	NOUN
easat-2774	100	20	support	support	NOUN
easat-2774	100	21	system	system	NOUN
easat-2774	100	22	in	in	ADP
easat-2774	100	23	the	the	DET
easat-2774	100	24	credit	credit	NOUN
easat-2774	100	25	guarantee	guarantee	NOUN
easat-2774	100	26	industry	industry	NOUN
easat-2774	100	27	is	be	AUX
easat-2774	100	28	obtained	obtain	VERB
easat-2774	100	29	to	to	PART
easat-2774	100	30	produce	produce	VERB
easat-2774	100	31	a	a	DET
easat-2774	100	32	pgr	pgr	NOUN
easat-2774	100	33	(	(	PUNCT
easat-2774	100	34	program	program	NOUN
easat-2774	100	35	gearing	gearing	NOUN
easat-2774	100	36	ratio	ratio	NOUN
easat-2774	100	37	)	)	PUNCT
easat-2774	100	38	digitization	digitization	NOUN
easat-2774	100	39	design	design	NOUN
easat-2774	100	40	.	.	PUNCT
easat-2774	101	1	at	at	ADP
easat-2774	101	2	pt	pt	PROPN
easat-2774	101	3	jamkrida	jamkrida	PROPN
easat-2774	101	4	jatim	jatim	PROPN
easat-2774	101	5	,	,	PUNCT
easat-2774	101	6	there	there	PRON
easat-2774	101	7	are	be	VERB
easat-2774	101	8	five	five	NUM
easat-2774	101	9	entities	entity	NOUN
easat-2774	101	10	related	relate	VERB
easat-2774	101	11	to	to	ADP
easat-2774	101	12	digitalization	digitalization	NOUN
easat-2774	101	13	:	:	PUNCT
easat-2774	101	14	the	the	DET
easat-2774	101	15	commissioner	commissioner	NOUN
easat-2774	101	16	,	,	PUNCT
easat-2774	101	17	president	president	NOUN
easat-2774	101	18	director	director	NOUN
easat-2774	101	19	,	,	PUNCT
easat-2774	101	20	director	director	NOUN
easat-2774	101	21	of	of	ADP
easat-2774	101	22	guarantee	guarantee	NOUN
easat-2774	101	23	,	,	PUNCT
easat-2774	101	24	director	director	NOUN
easat-2774	101	25	of	of	ADP
easat-2774	101	26	finance	finance	NOUN
easat-2774	101	27	,	,	PUNCT
easat-2774	101	28	and	and	CCONJ
easat-2774	101	29	head	head	NOUN
easat-2774	101	30	of	of	ADP
easat-2774	101	31	business	business	NOUN
easat-2774	101	32	plan	plan	NOUN
easat-2774	101	33	and	and	CCONJ
easat-2774	101	34	it	it	PRON
easat-2774	101	35	who	who	PRON
easat-2774	101	36	regulate	regulate	VERB
easat-2774	101	37	all	all	DET
easat-2774	101	38	forms	form	NOUN
easat-2774	101	39	of	of	ADP
easat-2774	101	40	digitalization	digitalization	NOUN
easat-2774	101	41	at	at	ADP
easat-2774	101	42	jamkrida	jamkrida	PROPN
easat-2774	101	43	.	.	PUNCT
easat-2774	102	1	3596	3596	NUM
easat-2774	102	2	edelweiss	edelweiss	PROPN
easat-2774	102	3	applied	apply	VERB
easat-2774	102	4	science	science	NOUN
easat-2774	102	5	and	and	CCONJ
easat-2774	102	6	technology	technology	NOUN
easat-2774	102	7	issn	issn	PROPN
easat-2774	102	8	:	:	PUNCT
easat-2774	102	9	2576	2576	NUM
easat-2774	102	10	-	-	SYM
easat-2774	102	11	8484	8484	NUM
easat-2774	102	12	vol	vol	NOUN
easat-2774	102	13	.	.	PROPN
easat-2774	102	14	8	8	NUM
easat-2774	102	15	,	,	PUNCT
easat-2774	102	16	no	no	INTJ
easat-2774	102	17	.	.	NOUN
easat-2774	102	18	6	6	NUM
easat-2774	102	19	:	:	SYM
easat-2774	102	20	3589	3589	NUM
easat-2774	102	21	-	-	SYM
easat-2774	102	22	3601	3601	NUM
easat-2774	102	23	,	,	PUNCT
easat-2774	102	24	2024	2024	NUM
easat-2774	102	25	doi	doi	NOUN
easat-2774	102	26	:	:	PUNCT
easat-2774	102	27	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	102	28	©	©	PROPN
easat-2774	102	29	2024	2024	NUM
easat-2774	102	30	by	by	ADP
easat-2774	102	31	the	the	DET
easat-2774	102	32	authors	author	NOUN
easat-2774	102	33	;	;	PUNCT
easat-2774	102	34	licensee	licensee	PROPN
easat-2774	102	35	learning	learn	VERB
easat-2774	102	36	gate	gate	NOUN
easat-2774	102	37	figure	figure	NOUN
easat-2774	102	38	2	2	NUM
easat-2774	102	39	.	.	PUNCT
easat-2774	102	40	program	program	NOUN
easat-2774	102	41	gearing	gear	VERB
easat-2774	102	42	ratio	ratio	NOUN
easat-2774	102	43	(	(	PUNCT
easat-2774	102	44	pgr	pgr	NOUN
easat-2774	102	45	)	)	PUNCT
easat-2774	102	46	digitalization	digitalization	NOUN
easat-2774	102	47	design	design	NOUN
easat-2774	102	48	.	.	PUNCT
easat-2774	103	1	3.7	3.7	NUM
easat-2774	103	2	.	.	PUNCT
easat-2774	103	3	swot	swot	PROPN
easat-2774	103	4	analysis	analysis	NOUN
easat-2774	103	5	the	the	DET
easat-2774	103	6	results	result	NOUN
easat-2774	103	7	of	of	ADP
easat-2774	103	8	data	datum	NOUN
easat-2774	103	9	processing	processing	NOUN
easat-2774	103	10	with	with	ADP
easat-2774	103	11	ahp	ahp	NOUN
easat-2774	103	12	and	and	CCONJ
easat-2774	103	13	the	the	DET
easat-2774	103	14	existence	existence	NOUN
easat-2774	103	15	of	of	ADP
easat-2774	103	16	pgr	pgr	PROPN
easat-2774	103	17	digitization	digitization	NOUN
easat-2774	103	18	design	design	NOUN
easat-2774	103	19	can	can	AUX
easat-2774	103	20	be	be	AUX
easat-2774	103	21	taken	take	VERB
easat-2774	103	22	a	a	DET
easat-2774	103	23	step	step	NOUN
easat-2774	103	24	further	far	ADV
easat-2774	103	25	with	with	ADP
easat-2774	103	26	swot	swot	PROPN
easat-2774	103	27	analysis	analysis	NOUN
easat-2774	103	28	using	use	VERB
easat-2774	103	29	ifas	ifas	NOUN
easat-2774	103	30	(	(	PUNCT
easat-2774	103	31	internal	internal	ADJ
easat-2774	103	32	factor	factor	NOUN
easat-2774	103	33	analysis	analysis	NOUN
easat-2774	103	34	summary	summary	NOUN
easat-2774	103	35	)	)	PUNCT
easat-2774	103	36	to	to	PART
easat-2774	103	37	analyze	analyze	VERB
easat-2774	103	38	and	and	CCONJ
easat-2774	103	39	summarize	summarize	VERB
easat-2774	103	40	the	the	DET
easat-2774	103	41	internal	internal	ADJ
easat-2774	103	42	factors	factor	NOUN
easat-2774	103	43	that	that	PRON
easat-2774	103	44	affect	affect	VERB
easat-2774	103	45	the	the	DET
easat-2774	103	46	organization	organization	NOUN
easat-2774	103	47	,	,	PUNCT
easat-2774	103	48	namely	namely	ADV
easat-2774	103	49	strengths	strength	NOUN
easat-2774	103	50	and	and	CCONJ
easat-2774	103	51	weaknesses	weakness	NOUN
easat-2774	103	52	,	,	PUNCT
easat-2774	103	53	and	and	CCONJ
easat-2774	103	54	efas	efas	NOUN
easat-2774	103	55	(	(	PUNCT
easat-2774	103	56	external	external	ADJ
easat-2774	103	57	factor	factor	NOUN
easat-2774	103	58	analysis	analysis	NOUN
easat-2774	103	59	summary	summary	NOUN
easat-2774	103	60	)	)	PUNCT
easat-2774	103	61	to	to	PART
easat-2774	103	62	analyze	analyze	VERB
easat-2774	103	63	and	and	CCONJ
easat-2774	103	64	summarize	summarize	VERB
easat-2774	103	65	the	the	DET
easat-2774	103	66	external	external	ADJ
easat-2774	103	67	factors	factor	NOUN
easat-2774	103	68	that	that	PRON
easat-2774	103	69	affect	affect	VERB
easat-2774	103	70	the	the	DET
easat-2774	103	71	organization	organization	NOUN
easat-2774	103	72	,	,	PUNCT
easat-2774	103	73	namely	namely	ADV
easat-2774	103	74	opportunities	opportunity	NOUN
easat-2774	103	75	and	and	CCONJ
easat-2774	103	76	threats	threat	NOUN
easat-2774	103	77	.	.	PUNCT
easat-2774	104	1	each	each	DET
easat-2774	104	2	influencing	influence	VERB
easat-2774	104	3	factor	factor	NOUN
easat-2774	104	4	is	be	AUX
easat-2774	104	5	weighted	weight	VERB
easat-2774	104	6	according	accord	VERB
easat-2774	104	7	to	to	ADP
easat-2774	104	8	its	its	PRON
easat-2774	104	9	impact	impact	NOUN
easat-2774	104	10	,	,	PUNCT
easat-2774	104	11	and	and	CCONJ
easat-2774	104	12	the	the	DET
easat-2774	104	13	total	total	ADJ
easat-2774	104	14	score	score	NOUN
easat-2774	104	15	provides	provide	VERB
easat-2774	104	16	an	an	DET
easat-2774	104	17	overview	overview	NOUN
easat-2774	104	18	of	of	ADP
easat-2774	104	19	the	the	DET
easat-2774	104	20	organization	organization	NOUN
easat-2774	104	21	's	's	PART
easat-2774	104	22	internal	internal	ADJ
easat-2774	104	23	and	and	CCONJ
easat-2774	104	24	external	external	ADJ
easat-2774	104	25	position	position	NOUN
easat-2774	104	26	.	.	PUNCT
easat-2774	105	1	3597	3597	NUM
easat-2774	105	2	edelweiss	edelweiss	PROPN
easat-2774	105	3	applied	apply	VERB
easat-2774	105	4	science	science	NOUN
easat-2774	105	5	and	and	CCONJ
easat-2774	105	6	technology	technology	NOUN
easat-2774	105	7	issn	issn	PROPN
easat-2774	105	8	:	:	PUNCT
easat-2774	105	9	2576	2576	NUM
easat-2774	105	10	-	-	SYM
easat-2774	105	11	8484	8484	NUM
easat-2774	105	12	vol	vol	NOUN
easat-2774	105	13	.	.	PROPN
easat-2774	105	14	8	8	NUM
easat-2774	105	15	,	,	PUNCT
easat-2774	105	16	no	no	INTJ
easat-2774	105	17	.	.	NOUN
easat-2774	106	1	6	6	NUM
easat-2774	106	2	:	:	SYM
easat-2774	106	3	3589	3589	NUM
easat-2774	106	4	-	-	SYM
easat-2774	106	5	3601	3601	NUM
easat-2774	106	6	,	,	PUNCT
easat-2774	106	7	2024	2024	NUM
easat-2774	106	8	doi	doi	NOUN
easat-2774	106	9	:	:	PUNCT
easat-2774	106	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	106	11	©	©	PROPN
easat-2774	106	12	2024	2024	NUM
easat-2774	106	13	by	by	ADP
easat-2774	106	14	the	the	DET
easat-2774	106	15	authors	author	NOUN
easat-2774	106	16	;	;	PUNCT
easat-2774	106	17	licensee	licensee	PROPN
easat-2774	106	18	learning	learn	VERB
easat-2774	106	19	gate	gate	NOUN
easat-2774	106	20	table	table	NOUN
easat-2774	106	21	8	8	NUM
easat-2774	106	22	.	.	PUNCT
easat-2774	107	1	ifas	ifas	PROPN
easat-2774	107	2	and	and	CCONJ
easat-2774	107	3	efas	efas	PROPN
easat-2774	107	4	swot	swot	PROPN
easat-2774	107	5	analysis	analysis	NOUN
easat-2774	107	6	.	.	PUNCT
easat-2774	108	1	internal	internal	ADJ
easat-2774	108	2	factor	factor	NOUN
easat-2774	108	3	evaluation	evaluation	NOUN
easat-2774	108	4	(	(	PUNCT
easat-2774	108	5	ife	ife	PROPN
easat-2774	108	6	)	)	PUNCT
easat-2774	108	7	no	no	DET
easat-2774	108	8	strengths	strength	NOUN
easat-2774	108	9	weight	weight	NOUN
easat-2774	108	10	rating	rating	NOUN
easat-2774	108	11	total	total	NOUN
easat-2774	108	12	1	1	NUM
easat-2774	108	13	the	the	DET
easat-2774	108	14	guarantee	guarantee	NOUN
easat-2774	108	15	industry	industry	NOUN
easat-2774	108	16	has	have	AUX
easat-2774	108	17	managed	manage	VERB
easat-2774	108	18	to	to	PART
easat-2774	108	19	maintain	maintain	VERB
easat-2774	108	20	its	its	PRON
easat-2774	108	21	gearing	gearing	NOUN
easat-2774	108	22	ratio	ratio	NOUN
easat-2774	108	23	at	at	ADP
easat-2774	108	24	34	34	NUM
easat-2774	108	25	times	time	NOUN
easat-2774	108	26	.	.	PUNCT
easat-2774	109	1	which	which	PRON
easat-2774	109	2	is	be	AUX
easat-2774	109	3	within	within	ADP
easat-2774	109	4	the	the	DET
easat-2774	109	5	healthy	healthy	ADJ
easat-2774	109	6	range	range	NOUN
easat-2774	109	7	and	and	CCONJ
easat-2774	109	8	below	below	ADP
easat-2774	109	9	the	the	DET
easat-2774	109	10	maximum	maximum	ADJ
easat-2774	109	11	limit	limit	NOUN
easat-2774	109	12	set	set	VERB
easat-2774	109	13	by	by	ADP
easat-2774	109	14	ojk	ojk	NOUN
easat-2774	109	15	.	.	PUNCT
easat-2774	110	1	which	which	PRON
easat-2774	110	2	is	be	AUX
easat-2774	110	3	40	40	NUM
easat-2774	110	4	times	time	NOUN
easat-2774	110	5	.	.	PUNCT
easat-2774	111	1	7.5	7.5	NUM
easat-2774	111	2	0.08	0.08	NUM
easat-2774	111	3	8	8	NUM
easat-2774	111	4	0.60	0.60	NUM
easat-2774	111	5	2	2	NUM
easat-2774	111	6	the	the	DET
easat-2774	111	7	guarantee	guarantee	NOUN
easat-2774	111	8	industry	industry	NOUN
easat-2774	111	9	has	have	AUX
easat-2774	111	10	successfully	successfully	ADV
easat-2774	111	11	increased	increase	VERB
easat-2774	111	12	investor	investor	NOUN
easat-2774	111	13	and	and	CCONJ
easat-2774	111	14	shareholder	shareholder	NOUN
easat-2774	111	15	confidence	confidence	NOUN
easat-2774	111	16	through	through	ADP
easat-2774	111	17	improved	improve	VERB
easat-2774	111	18	capital	capital	NOUN
easat-2774	111	19	efficiency	efficiency	NOUN
easat-2774	111	20	.	.	PUNCT
easat-2774	112	1	4	4	NUM
easat-2774	112	2	0.04	0.04	NUM
easat-2774	112	3	5	5	NUM
easat-2774	112	4	0.20	0.20	NUM
easat-2774	112	5	3	3	NUM
easat-2774	112	6	competitive	competitive	ADJ
easat-2774	112	7	guarantee	guarantee	NOUN
easat-2774	112	8	service	service	NOUN
easat-2774	112	9	rates	rate	NOUN
easat-2774	112	10	the	the	DET
easat-2774	112	11	average	average	ADJ
easat-2774	112	12	guarantee	guarantee	NOUN
easat-2774	112	13	service	service	NOUN
easat-2774	112	14	rate	rate	NOUN
easat-2774	112	15	in	in	ADP
easat-2774	112	16	indonesia	indonesia	PROPN
easat-2774	112	17	ranges	range	VERB
easat-2774	112	18	from	from	ADP
easat-2774	112	19	0.5	0.5	NUM
easat-2774	112	20	%	%	NOUN
easat-2774	112	21	2.5	2.5	NUM
easat-2774	112	22	%	%	NOUN
easat-2774	112	23	of	of	ADP
easat-2774	112	24	the	the	DET
easat-2774	112	25	loan	loan	NOUN
easat-2774	112	26	value	value	NOUN
easat-2774	112	27	.	.	PUNCT
easat-2774	113	1	5	5	NUM
easat-2774	113	2	0.05	0.05	NUM
easat-2774	113	3	6	6	NUM
easat-2774	113	4	0.30	0.30	NUM
easat-2774	113	5	4	4	NUM
easat-2774	113	6	flexibility	flexibility	NOUN
easat-2774	113	7	in	in	ADP
easat-2774	113	8	pricing	pricing	NOUN
easat-2774	113	9	according	accord	VERB
easat-2774	113	10	to	to	ADP
easat-2774	113	11	risk	risk	NOUN
easat-2774	113	12	level	level	NOUN
easat-2774	113	13	7	7	NUM
easat-2774	113	14	0.07	0.07	NUM
easat-2774	113	15	8	8	NUM
easat-2774	113	16	0.56	0.56	NUM
easat-2774	113	17	5	5	NUM
easat-2774	113	18	strengthen	strengthen	VERB
easat-2774	113	19	relationships	relationship	NOUN
easat-2774	113	20	with	with	ADP
easat-2774	113	21	financial	financial	ADJ
easat-2774	113	22	institutions	institution	NOUN
easat-2774	113	23	and	and	CCONJ
easat-2774	113	24	investors	investor	NOUN
easat-2774	113	25	10	10	NUM
easat-2774	113	26	0.10	0.10	NUM
easat-2774	113	27	8	8	NUM
easat-2774	113	28	0.80	0.80	NUM
easat-2774	113	29	6	6	NUM
easat-2774	113	30	ensure	ensure	VERB
easat-2774	113	31	long	long	ADJ
easat-2774	113	32	-	-	PUNCT
easat-2774	113	33	term	term	NOUN
easat-2774	113	34	operational	operational	ADJ
easat-2774	113	35	sustainability	sustainability	NOUN
easat-2774	113	36	5	5	NUM
easat-2774	113	37	0.05	0.05	NUM
easat-2774	113	38	7	7	NUM
easat-2774	113	39	0.35	0.35	NUM
easat-2774	113	40	7	7	NUM
easat-2774	113	41	speed	speed	NOUN
easat-2774	113	42	up	up	ADP
easat-2774	113	43	the	the	DET
easat-2774	113	44	assurance	assurance	NOUN
easat-2774	113	45	and	and	CCONJ
easat-2774	113	46	decision	decision	NOUN
easat-2774	113	47	-	-	PUNCT
easat-2774	113	48	making	make	VERB
easat-2774	113	49	process	process	NOUN
easat-2774	113	50	5	5	NUM
easat-2774	113	51	0.05	0.05	NUM
easat-2774	113	52	8	8	NUM
easat-2774	113	53	0.40	0.40	NUM
easat-2774	113	54	8	8	NUM
easat-2774	113	55	enable	enable	VERB
easat-2774	113	56	early	early	ADJ
easat-2774	113	57	risk	risk	NOUN
easat-2774	113	58	detection	detection	NOUN
easat-2774	113	59	with	with	ADP
easat-2774	113	60	advanced	advanced	ADJ
easat-2774	113	61	analytics	analytic	NOUN
easat-2774	113	62	technology	technology	NOUN
easat-2774	113	63	5	5	NUM
easat-2774	113	64	0.05	0.05	NUM
easat-2774	113	65	6	6	NUM
easat-2774	113	66	0.30	0.30	NUM
easat-2774	113	67	9	9	NUM
easat-2774	113	68	ensure	ensure	VERB
easat-2774	113	69	long	long	ADJ
easat-2774	113	70	-	-	PUNCT
easat-2774	113	71	term	term	NOUN
easat-2774	113	72	operational	operational	ADJ
easat-2774	113	73	sustainability	sustainability	NOUN
easat-2774	113	74	of	of	ADP
easat-2774	113	75	the	the	DET
easat-2774	113	76	company	company	NOUN
easat-2774	113	77	5	5	NUM
easat-2774	113	78	0.05	0.05	NUM
easat-2774	113	79	8	8	NUM
easat-2774	113	80	0.40	0.40	NUM
easat-2774	113	81	10	10	NUM
easat-2774	113	82	enhance	enhance	NOUN
easat-2774	113	83	reputation	reputation	NOUN
easat-2774	113	84	as	as	ADP
easat-2774	113	85	a	a	DET
easat-2774	113	86	socially	socially	ADV
easat-2774	113	87	and	and	CCONJ
easat-2774	113	88	environmentally	environmentally	ADV
easat-2774	113	89	responsible	responsible	ADJ
easat-2774	113	90	company	company	NOUN
easat-2774	113	91	2	2	NUM
easat-2774	113	92	0.02	0.02	NUM
easat-2774	113	93	4	4	NUM
easat-2774	113	94	0.08	0.08	NUM
easat-2774	113	95	3.99	3.99	NUM
easat-2774	113	96	x=	x=	PUNCT
easat-2774	113	97	(	(	PUNCT
easat-2774	113	98	3.992.90	3.992.90	NUM
easat-2774	113	99	)	)	PUNCT
easat-2774	113	100	x=	x=	NOUN
easat-2774	114	1	1.09	1.09	NUM
easat-2774	114	2	no	no	DET
easat-2774	114	3	weaknesses	weakness	NOUN
easat-2774	114	4	1	1	NUM
easat-2774	114	5	reliance	reliance	NOUN
easat-2774	114	6	on	on	ADP
easat-2774	114	7	additional	additional	ADJ
easat-2774	114	8	capital	capital	NOUN
easat-2774	114	9	10	10	NUM
easat-2774	114	10	0.10	0.10	NUM
easat-2774	114	11	8	8	NUM
easat-2774	114	12	0.80	0.80	NUM
easat-2774	114	13	2	2	NUM
easat-2774	114	14	dependence	dependence	NOUN
easat-2774	114	15	on	on	ADP
easat-2774	114	16	debt	debt	NOUN
easat-2774	114	17	2	2	NUM
easat-2774	114	18	0.02	0.02	NUM
easat-2774	114	19	4	4	NUM
easat-2774	114	20	0.08	0.08	NUM
easat-2774	114	21	3	3	NUM
easat-2774	114	22	uncertainty	uncertainty	NOUN
easat-2774	114	23	in	in	ADP
easat-2774	114	24	tariff	tariff	NOUN
easat-2774	114	25	determination	determination	NOUN
easat-2774	114	26	leads	lead	VERB
easat-2774	114	27	to	to	ADP
easat-2774	114	28	customer	customer	NOUN
easat-2774	114	29	confusion	confusion	NOUN
easat-2774	114	30	and	and	CCONJ
easat-2774	114	31	dissatisfaction	dissatisfaction	NOUN
easat-2774	114	32	7.5	7.5	NUM
easat-2774	114	33	0.08	0.08	NUM
easat-2774	114	34	8	8	NUM
easat-2774	114	35	0.60	0.60	NUM
easat-2774	114	36	4	4	NUM
easat-2774	114	37	less	less	ADV
easat-2774	114	38	transparent	transparent	ADJ
easat-2774	114	39	tariffs	tariff	NOUN
easat-2774	114	40	can	can	AUX
easat-2774	114	41	reduce	reduce	VERB
easat-2774	114	42	customer	customer	NOUN
easat-2774	114	43	trust	trust	NOUN
easat-2774	114	44	.	.	PUNCT
easat-2774	115	1	3	3	NUM
easat-2774	115	2	0.03	0.03	NUM
easat-2774	115	3	6	6	NUM
easat-2774	115	4	0.18	0.18	NUM
easat-2774	115	5	3598	3598	NUM
easat-2774	115	6	edelweiss	edelweiss	PROPN
easat-2774	115	7	applied	apply	VERB
easat-2774	115	8	science	science	NOUN
easat-2774	115	9	and	and	CCONJ
easat-2774	115	10	technology	technology	NOUN
easat-2774	115	11	issn	issn	PROPN
easat-2774	115	12	:	:	PUNCT
easat-2774	115	13	2576	2576	NUM
easat-2774	115	14	-	-	SYM
easat-2774	115	15	8484	8484	NUM
easat-2774	115	16	vol	vol	NOUN
easat-2774	115	17	.	.	PROPN
easat-2774	115	18	8	8	NUM
easat-2774	115	19	,	,	PUNCT
easat-2774	115	20	no	no	INTJ
easat-2774	115	21	.	.	NOUN
easat-2774	116	1	6	6	NUM
easat-2774	116	2	:	:	SYM
easat-2774	116	3	3589	3589	NUM
easat-2774	116	4	-	-	SYM
easat-2774	116	5	3601	3601	NUM
easat-2774	116	6	,	,	PUNCT
easat-2774	116	7	2024	2024	NUM
easat-2774	116	8	doi	doi	NOUN
easat-2774	116	9	:	:	PUNCT
easat-2774	116	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	116	11	©	©	PROPN
easat-2774	116	12	2024	2024	NUM
easat-2774	116	13	by	by	ADP
easat-2774	116	14	the	the	DET
easat-2774	116	15	authors	author	NOUN
easat-2774	116	16	;	;	PUNCT
easat-2774	116	17	licensee	licensee	PROPN
easat-2774	116	18	learning	learning	NOUN
easat-2774	116	19	gate	gate	NOUN
easat-2774	116	20	5	5	NUM
easat-2774	116	21	data	datum	NOUN
easat-2774	116	22	limitations	limitation	NOUN
easat-2774	116	23	for	for	ADP
easat-2774	116	24	risk	risk	NOUN
easat-2774	116	25	analysis	analysis	NOUN
easat-2774	116	26	.	.	PUNCT
easat-2774	117	1	especially	especially	ADV
easat-2774	117	2	for	for	ADP
easat-2774	117	3	the	the	DET
easat-2774	117	4	msme	msme	NOUN
easat-2774	117	5	segment	segment	NOUN
easat-2774	117	6	that	that	PRON
easat-2774	117	7	does	do	AUX
easat-2774	117	8	not	not	PART
easat-2774	117	9	have	have	VERB
easat-2774	117	10	a	a	DET
easat-2774	117	11	long	long	ADJ
easat-2774	117	12	credit	credit	NOUN
easat-2774	117	13	track	track	NOUN
easat-2774	117	14	record	record	NOUN
easat-2774	117	15	.	.	PUNCT
easat-2774	118	1	5	5	NUM
easat-2774	118	2	0.05	0.05	NUM
easat-2774	118	3	6	6	NUM
easat-2774	118	4	0.30	0.30	NUM
easat-2774	118	5	6	6	NUM
easat-2774	118	6	high	high	ADJ
easat-2774	118	7	cost	cost	NOUN
easat-2774	118	8	of	of	ADP
easat-2774	118	9	implementing	implement	VERB
easat-2774	118	10	a	a	DET
easat-2774	118	11	comprehensive	comprehensive	ADJ
easat-2774	118	12	mitigation	mitigation	NOUN
easat-2774	118	13	strategy	strategy	NOUN
easat-2774	118	14	.	.	PUNCT
easat-2774	119	1	3	3	NUM
easat-2774	119	2	0.03	0.03	NUM
easat-2774	119	3	5	5	NUM
easat-2774	119	4	0.15	0.15	NUM
easat-2774	119	5	7	7	NUM
easat-2774	119	6	requires	require	VERB
easat-2774	119	7	new	new	ADJ
easat-2774	119	8	skills	skill	NOUN
easat-2774	119	9	and	and	CCONJ
easat-2774	119	10	training	training	NOUN
easat-2774	119	11	for	for	ADP
easat-2774	119	12	the	the	DET
easat-2774	119	13	workforce	workforce	NOUN
easat-2774	119	14	.	.	PUNCT
easat-2774	120	1	3	3	NUM
easat-2774	120	2	0.03	0.03	NUM
easat-2774	120	3	4	4	NUM
easat-2774	120	4	0.12	0.12	NUM
easat-2774	120	5	8	8	NUM
easat-2774	120	6	reliance	reliance	NOUN
easat-2774	120	7	on	on	ADP
easat-2774	120	8	technology	technology	NOUN
easat-2774	120	9	can	can	AUX
easat-2774	120	10	be	be	AUX
easat-2774	120	11	a	a	DET
easat-2774	120	12	risk	risk	NOUN
easat-2774	120	13	in	in	ADP
easat-2774	120	14	the	the	DET
easat-2774	120	15	event	event	NOUN
easat-2774	120	16	of	of	ADP
easat-2774	120	17	technical	technical	ADJ
easat-2774	120	18	glitches	glitch	NOUN
easat-2774	120	19	.	.	PUNCT
easat-2774	121	1	3	3	NUM
easat-2774	121	2	0.03	0.03	NUM
easat-2774	121	3	5	5	NUM
easat-2774	121	4	0.15	0.15	NUM
easat-2774	121	5	9	9	NUM
easat-2774	121	6	implementation	implementation	NOUN
easat-2774	121	7	of	of	ADP
easat-2774	121	8	sustainability	sustainability	NOUN
easat-2774	121	9	strategies	strategy	NOUN
easat-2774	121	10	can	can	AUX
easat-2774	121	11	require	require	VERB
easat-2774	121	12	a	a	DET
easat-2774	121	13	large	large	ADJ
easat-2774	121	14	initial	initial	ADJ
easat-2774	121	15	investment	investment	NOUN
easat-2774	121	16	3	3	NUM
easat-2774	121	17	0.03	0.03	NUM
easat-2774	121	18	4	4	NUM
easat-2774	121	19	0.12	0.12	NUM
easat-2774	121	20	10	10	NUM
easat-2774	121	21	dividend	dividend	NOUN
easat-2774	121	22	distribution	distribution	NOUN
easat-2774	121	23	and	and	CCONJ
easat-2774	121	24	restricted	restricted	ADJ
easat-2774	121	25	reserves	reserve	NOUN
easat-2774	121	26	:	:	PUNCT
easat-2774	121	27	5	5	NUM
easat-2774	121	28	0.05	0.05	NUM
easat-2774	121	29	8	8	NUM
easat-2774	121	30	0.40	0.40	NUM
easat-2774	121	31	2.90	2.90	NUM
easat-2774	121	32	100	100	NUM
easat-2774	121	33	1.00	1.00	NUM
easat-2774	121	34	external	external	ADJ
easat-2774	121	35	factor	factor	NOUN
easat-2774	121	36	evaluation	evaluation	NOUN
easat-2774	121	37	(	(	PUNCT
easat-2774	121	38	efe	efe	NOUN
easat-2774	121	39	)	)	PUNCT
easat-2774	121	40	opportunities	opportunity	NOUN
easat-2774	121	41	1	1	NUM
easat-2774	121	42	increased	increase	VERB
easat-2774	121	43	demand	demand	NOUN
easat-2774	121	44	for	for	ADP
easat-2774	121	45	credit	credit	NOUN
easat-2774	121	46	guarantees	guarantee	NOUN
easat-2774	121	47	especially	especially	ADV
easat-2774	121	48	in	in	ADP
easat-2774	121	49	the	the	DET
easat-2774	121	50	msme	msme	NOUN
easat-2774	121	51	sector	sector	NOUN
easat-2774	121	52	and	and	CCONJ
easat-2774	121	53	infrastructure	infrastructure	NOUN
easat-2774	121	54	projects	project	NOUN
easat-2774	121	55	.	.	PUNCT
easat-2774	122	1	there	there	PRON
easat-2774	122	2	are	be	VERB
easat-2774	122	3	opportunities	opportunity	NOUN
easat-2774	122	4	for	for	SCONJ
easat-2774	122	5	credit	credit	NOUN
easat-2774	122	6	guarantee	guarantee	NOUN
easat-2774	122	7	companies	company	NOUN
easat-2774	122	8	to	to	PART
easat-2774	122	9	increase	increase	VERB
easat-2774	122	10	the	the	DET
easat-2774	122	11	scale	scale	NOUN
easat-2774	122	12	of	of	ADP
easat-2774	122	13	operations	operation	NOUN
easat-2774	122	14	and	and	CCONJ
easat-2774	122	15	use	use	VERB
easat-2774	122	16	a	a	DET
easat-2774	122	17	higher	high	ADJ
easat-2774	122	18	gearing	gearing	NOUN
easat-2774	122	19	ratio	ratio	NOUN
easat-2774	122	20	.	.	PUNCT
easat-2774	123	1	10	10	NUM
easat-2774	123	2	0.1000	0.1000	NUM
easat-2774	123	3	8	8	NUM
easat-2774	123	4	0.80	0.80	NUM
easat-2774	123	5	2	2	NUM
easat-2774	123	6	service	service	NOUN
easat-2774	123	7	development	development	NOUN
easat-2774	123	8	with	with	ADP
easat-2774	123	9	other	other	ADJ
easat-2774	123	10	banks	bank	NOUN
easat-2774	123	11	7	7	NUM
easat-2774	123	12	0.0700	0.0700	NUM
easat-2774	123	13	8	8	NUM
easat-2774	123	14	0.56	0.56	NUM
easat-2774	123	15	3	3	NUM
easat-2774	123	16	peluang	peluang	PROPN
easat-2774	123	17	untuk	untuk	PROPN
easat-2774	123	18	mengembangkan	mengembangkan	PROPN
easat-2774	123	19	produk	produk	PROPN
easat-2774	123	20	underwriting	underwriting	PROPN
easat-2774	123	21	baru	baru	PROPN
easat-2774	123	22	dengan	dengan	PROPN
easat-2774	124	1	harga	harga	PROPN
easat-2774	124	2	yang	yang	PROPN
easat-2774	124	3	lebih	lebih	PROPN
easat-2774	124	4	kompetitif	kompetitif	PROPN
easat-2774	124	5	7	7	NUM
easat-2774	124	6	0.0700	0.0700	NUM
easat-2774	124	7	7	7	NUM
easat-2774	124	8	0.49	0.49	NUM
easat-2774	124	9	4	4	NUM
easat-2774	124	10	strengthening	strengthen	VERB
easat-2774	124	11	customer	customer	NOUN
easat-2774	124	12	relationships	relationship	NOUN
easat-2774	124	13	through	through	ADP
easat-2774	124	14	tariff	tariff	NOUN
easat-2774	124	15	transparency	transparency	NOUN
easat-2774	124	16	5	5	NUM
easat-2774	124	17	0.0500	0.0500	NUM
easat-2774	124	18	4	4	NUM
easat-2774	124	19	0.20	0.20	NUM
easat-2774	124	20	5	5	NUM
easat-2774	124	21	enable	enable	VERB
easat-2774	124	22	the	the	DET
easat-2774	124	23	development	development	NOUN
easat-2774	124	24	of	of	ADP
easat-2774	124	25	new	new	ADJ
easat-2774	124	26	.	.	PUNCT
easat-2774	125	1	more	more	ADV
easat-2774	125	2	secure	secure	ADJ
easat-2774	125	3	underwriting	underwriting	NOUN
easat-2774	125	4	products	product	NOUN
easat-2774	125	5	5	5	NUM
easat-2774	125	6	0.0500	0.0500	NUM
easat-2774	125	7	6	6	NUM
easat-2774	125	8	0.30	0.30	NUM
easat-2774	125	9	6	6	NUM
easat-2774	125	10	opportunity	opportunity	NOUN
easat-2774	125	11	for	for	ADP
easat-2774	125	12	safer	safe	ADJ
easat-2774	125	13	investment	investment	NOUN
easat-2774	125	14	portfolio	portfolio	NOUN
easat-2774	125	15	diversification	diversification	NOUN
easat-2774	125	16	5	5	NUM
easat-2774	125	17	0.0500	0.0500	NUM
easat-2774	125	18	3	3	NUM
easat-2774	125	19	0.15	0.15	NUM
easat-2774	125	20	7	7	NUM
easat-2774	125	21	government	government	NOUN
easat-2774	125	22	support	support	NOUN
easat-2774	125	23	for	for	ADP
easat-2774	125	24	digitalization	digitalization	NOUN
easat-2774	125	25	3	3	NUM
easat-2774	125	26	0.0300	0.0300	NUM
easat-2774	125	27	5	5	NUM
easat-2774	125	28	0.15	0.15	NUM
easat-2774	125	29	8	8	NUM
easat-2774	125	30	opportunity	opportunity	NOUN
easat-2774	125	31	to	to	PART
easat-2774	125	32	become	become	VERB
easat-2774	125	33	a	a	DET
easat-2774	125	34	market	market	NOUN
easat-2774	125	35	leader	leader	NOUN
easat-2774	125	36	in	in	ADP
easat-2774	125	37	digital	digital	ADJ
easat-2774	125	38	innovation	innovation	NOUN
easat-2774	125	39	in	in	ADP
easat-2774	125	40	the	the	DET
easat-2774	125	41	guarantee	guarantee	NOUN
easat-2774	125	42	7	7	NUM
easat-2774	125	43	0.0700	0.0700	NUM
easat-2774	125	44	4	4	NUM
easat-2774	125	45	0.28	0.28	NUM
easat-2774	125	46	3599	3599	NUM
easat-2774	125	47	edelweiss	edelweiss	PROPN
easat-2774	125	48	applied	apply	VERB
easat-2774	125	49	science	science	NOUN
easat-2774	125	50	and	and	CCONJ
easat-2774	125	51	technology	technology	NOUN
easat-2774	125	52	issn	issn	PROPN
easat-2774	125	53	:	:	PUNCT
easat-2774	125	54	2576	2576	NUM
easat-2774	125	55	-	-	SYM
easat-2774	125	56	8484	8484	NUM
easat-2774	125	57	vol	vol	NOUN
easat-2774	125	58	.	.	PROPN
easat-2774	125	59	8	8	NUM
easat-2774	125	60	,	,	PUNCT
easat-2774	125	61	no	no	INTJ
easat-2774	125	62	.	.	NOUN
easat-2774	126	1	6	6	NUM
easat-2774	126	2	:	:	SYM
easat-2774	126	3	3589	3589	NUM
easat-2774	126	4	-	-	SYM
easat-2774	126	5	3601	3601	NUM
easat-2774	126	6	,	,	PUNCT
easat-2774	126	7	2024	2024	NUM
easat-2774	126	8	doi	doi	NOUN
easat-2774	126	9	:	:	PUNCT
easat-2774	126	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	126	11	©	©	PROPN
easat-2774	126	12	2024	2024	NUM
easat-2774	126	13	by	by	ADP
easat-2774	126	14	the	the	DET
easat-2774	126	15	authors	author	NOUN
easat-2774	126	16	;	;	PUNCT
easat-2774	126	17	licensee	licensee	PROPN
easat-2774	126	18	learning	learn	VERB
easat-2774	126	19	gate	gate	NOUN
easat-2774	126	20	sector	sector	NOUN
easat-2774	126	21	9	9	NUM
easat-2774	126	22	opportunity	opportunity	NOUN
easat-2774	126	23	to	to	PART
easat-2774	126	24	attract	attract	VERB
easat-2774	126	25	environmentally	environmentally	ADV
easat-2774	126	26	conscious	conscious	ADJ
easat-2774	126	27	investors	investor	NOUN
easat-2774	126	28	and	and	CCONJ
easat-2774	126	29	customers	customer	NOUN
easat-2774	126	30	2	2	NUM
easat-2774	126	31	0.0200	0.0200	NUM
easat-2774	126	32	3	3	NUM
easat-2774	126	33	0.06	0.06	NUM
easat-2774	126	34	10	10	NUM
easat-2774	126	35	potential	potential	NOUN
easat-2774	126	36	to	to	PART
easat-2774	126	37	develop	develop	VERB
easat-2774	126	38	sustainable	sustainable	ADJ
easat-2774	126	39	and	and	CCONJ
easat-2774	126	40	innovative	innovative	ADJ
easat-2774	126	41	products	product	NOUN
easat-2774	126	42	and	and	CCONJ
easat-2774	126	43	services	service	NOUN
easat-2774	126	44	4	4	NUM
easat-2774	126	45	0.0400	0.0400	NUM
easat-2774	126	46	5	5	NUM
easat-2774	126	47	0.20	0.20	NUM
easat-2774	126	48	3.19	3.19	NUM
easat-2774	126	49	3.19	3.19	NUM
easat-2774	126	50	(	(	PUNCT
easat-2774	126	51	y=(3.192.70	y=(3.192.70	NOUN
easat-2774	126	52	)	)	PUNCT
easat-2774	126	53	threats	threat	NOUN
easat-2774	126	54	y	y	NOUN
easat-2774	126	55	=	=	NOUN
easat-2774	126	56	0.49	0.49	NUM
easat-2774	126	57	1	1	NUM
easat-2774	126	58	new	new	ADJ
easat-2774	126	59	regulations	regulation	NOUN
easat-2774	126	60	that	that	PRON
easat-2774	126	61	may	may	AUX
easat-2774	126	62	affect	affect	VERB
easat-2774	126	63	the	the	DET
easat-2774	126	64	implementation	implementation	NOUN
easat-2774	126	65	of	of	ADP
easat-2774	126	66	stricter	strict	ADJ
easat-2774	126	67	ratios	ratio	NOUN
easat-2774	126	68	3	3	NUM
easat-2774	126	69	0.0300	0.0300	NUM
easat-2774	126	70	4	4	NUM
easat-2774	126	71	0.12	0.12	NUM
easat-2774	126	72	2	2	NUM
easat-2774	126	73	economic	economic	ADJ
easat-2774	126	74	uncertainty	uncertainty	NOUN
easat-2774	126	75	and	and	CCONJ
easat-2774	126	76	credit	credit	NOUN
easat-2774	126	77	risk	risk	NOUN
easat-2774	126	78	7	7	NUM
easat-2774	126	79	0.0700	0.0700	NUM
easat-2774	126	80	8	8	NUM
easat-2774	126	81	0.56	0.56	NUM
easat-2774	126	82	3	3	NUM
easat-2774	126	83	competition	competition	NOUN
easat-2774	126	84	from	from	ADP
easat-2774	126	85	other	other	ADJ
easat-2774	126	86	companies	company	NOUN
easat-2774	126	87	offering	offer	VERB
easat-2774	126	88	lower	low	ADJ
easat-2774	126	89	rates	rate	NOUN
easat-2774	126	90	7	7	NUM
easat-2774	126	91	0.0700	0.0700	NUM
easat-2774	126	92	8	8	NUM
easat-2774	126	93	0.56	0.56	NUM
easat-2774	126	94	4	4	NUM
easat-2774	126	95	possible	possible	ADJ
easat-2774	126	96	regulatory	regulatory	ADJ
easat-2774	126	97	interventions	intervention	NOUN
easat-2774	126	98	that	that	PRON
easat-2774	126	99	limit	limit	VERB
easat-2774	126	100	the	the	DET
easat-2774	126	101	company	company	NOUN
easat-2774	126	102	's	's	PART
easat-2774	126	103	ability	ability	NOUN
easat-2774	126	104	to	to	PART
easat-2774	126	105	adjust	adjust	VERB
easat-2774	126	106	tariffs	tariff	NOUN
easat-2774	126	107	2	2	NUM
easat-2774	126	108	0.0200	0.0200	NUM
easat-2774	126	109	2	2	NUM
easat-2774	126	110	0.04	0.04	NUM
easat-2774	126	111	5	5	NUM
easat-2774	126	112	global	global	ADJ
easat-2774	126	113	economic	economic	ADJ
easat-2774	126	114	crisis	crisis	NOUN
easat-2774	126	115	that	that	PRON
easat-2774	126	116	may	may	AUX
easat-2774	126	117	increase	increase	VERB
easat-2774	126	118	overall	overall	ADJ
easat-2774	126	119	risk	risk	NOUN
easat-2774	126	120	5	5	NUM
easat-2774	126	121	0.0500	0.0500	NUM
easat-2774	126	122	6	6	NUM
easat-2774	126	123	0.3	0.3	NUM
easat-2774	126	124	6	6	NUM
easat-2774	126	125	competition	competition	NOUN
easat-2774	126	126	from	from	ADP
easat-2774	126	127	other	other	ADJ
easat-2774	126	128	companies	company	NOUN
easat-2774	126	129	that	that	PRON
easat-2774	126	130	are	be	AUX
easat-2774	126	131	more	more	ADV
easat-2774	126	132	aggressive	aggressive	ADJ
easat-2774	126	133	in	in	ADP
easat-2774	126	134	taking	take	VERB
easat-2774	126	135	risks	risk	NOUN
easat-2774	126	136	7	7	NUM
easat-2774	126	137	0.0700	0.0700	NUM
easat-2774	126	138	8	8	NUM
easat-2774	126	139	0.56	0.56	NUM
easat-2774	126	140	7	7	NUM
easat-2774	126	141	cybersecurity	cybersecurity	NOUN
easat-2774	126	142	threats	threat	NOUN
easat-2774	126	143	and	and	CCONJ
easat-2774	126	144	potential	potential	ADJ
easat-2774	126	145	data	datum	NOUN
easat-2774	126	146	breaches	breach	NOUN
easat-2774	126	147	.	.	PUNCT
easat-2774	127	1	3	3	NUM
easat-2774	127	2	0.0300	0.0300	NUM
easat-2774	127	3	4	4	NUM
easat-2774	127	4	0.12	0.12	NUM
easat-2774	127	5	8	8	NUM
easat-2774	127	6	risk	risk	NOUN
easat-2774	127	7	of	of	ADP
easat-2774	127	8	technology	technology	NOUN
easat-2774	127	9	failure	failure	NOUN
easat-2774	127	10	that	that	PRON
easat-2774	127	11	could	could	AUX
easat-2774	127	12	disrupt	disrupt	VERB
easat-2774	127	13	operations	operation	NOUN
easat-2774	127	14	2	2	NUM
easat-2774	127	15	0.0200	0.0200	NUM
easat-2774	127	16	4	4	NUM
easat-2774	127	17	0.08	0.08	NUM
easat-2774	127	18	9	9	NUM
easat-2774	127	19	competition	competition	NOUN
easat-2774	127	20	from	from	ADP
easat-2774	127	21	other	other	ADJ
easat-2774	127	22	companies	company	NOUN
easat-2774	127	23	that	that	PRON
easat-2774	127	24	are	be	AUX
easat-2774	127	25	more	more	ADV
easat-2774	127	26	advanced	advanced	ADJ
easat-2774	127	27	in	in	ADP
easat-2774	127	28	sustainability	sustainability	NOUN
easat-2774	127	29	initiatives	initiative	NOUN
easat-2774	127	30	5	5	NUM
easat-2774	127	31	0.0500	0.0500	NUM
easat-2774	127	32	4	4	NUM
easat-2774	127	33	0.2	0.2	NUM
easat-2774	127	34	10	10	NUM
easat-2774	127	35	reputational	reputational	ADJ
easat-2774	127	36	risk	risk	NOUN
easat-2774	127	37	if	if	SCONJ
easat-2774	127	38	the	the	DET
easat-2774	127	39	company	company	NOUN
easat-2774	127	40	fails	fail	VERB
easat-2774	127	41	to	to	PART
easat-2774	127	42	meet	meet	VERB
easat-2774	127	43	expected	expect	VERB
easat-2774	127	44	sustainability	sustainability	NOUN
easat-2774	127	45	standards	standard	NOUN
easat-2774	127	46	.	.	PUNCT
easat-2774	128	1	4	4	NUM
easat-2774	128	2	0.0400	0.0400	NUM
easat-2774	128	3	4	4	NUM
easat-2774	128	4	0.16	0.16	NUM
easat-2774	128	5	2.70	2.70	NUM
easat-2774	128	6	100	100	NUM
easat-2774	128	7	1.00	1.00	NUM
easat-2774	128	8	2.70	2.70	NUM
easat-2774	128	9	4	4	NUM
easat-2774	128	10	.	.	PUNCT
easat-2774	129	1	conclusion	conclusion	NOUN
easat-2774	129	2	this	this	DET
easat-2774	129	3	research	research	NOUN
easat-2774	129	4	highlights	highlight	VERB
easat-2774	129	5	the	the	DET
easat-2774	129	6	importance	importance	NOUN
easat-2774	129	7	of	of	ADP
easat-2774	129	8	the	the	DET
easat-2774	129	9	credit	credit	NOUN
easat-2774	129	10	guarantee	guarantee	NOUN
easat-2774	129	11	industry	industry	NOUN
easat-2774	129	12	in	in	ADP
easat-2774	129	13	supporting	support	VERB
easat-2774	129	14	the	the	DET
easat-2774	129	15	growth	growth	NOUN
easat-2774	129	16	of	of	ADP
easat-2774	129	17	msmes	msme	NOUN
easat-2774	129	18	in	in	ADP
easat-2774	129	19	indonesia	indonesia	PROPN
easat-2774	129	20	,	,	PUNCT
easat-2774	129	21	primarily	primarily	ADV
easat-2774	129	22	through	through	ADP
easat-2774	129	23	credit	credit	NOUN
easat-2774	129	24	guarantee	guarantee	NOUN
easat-2774	129	25	programs	program	NOUN
easat-2774	129	26	that	that	PRON
easat-2774	129	27	aim	aim	VERB
easat-2774	129	28	to	to	PART
easat-2774	129	29	reduce	reduce	VERB
easat-2774	129	30	information	information	NOUN
easat-2774	129	31	asymmetry	asymmetry	NOUN
easat-2774	129	32	between	between	ADP
easat-2774	129	33	banks	bank	NOUN
easat-2774	129	34	and	and	CCONJ
easat-2774	129	35	smes	sme	NOUN
easat-2774	129	36	.	.	PUNCT
easat-2774	130	1	with	with	ADP
easat-2774	130	2	the	the	DET
easat-2774	130	3	growing	grow	VERB
easat-2774	130	4	credit	credit	NOUN
easat-2774	130	5	guarantee	guarantee	NOUN
easat-2774	130	6	sector	sector	NOUN
easat-2774	130	7	,	,	PUNCT
easat-2774	130	8	including	include	VERB
easat-2774	130	9	diversification	diversification	NOUN
easat-2774	130	10	into	into	ADP
easat-2774	130	11	other	other	ADJ
easat-2774	130	12	sectors	sector	NOUN
easat-2774	130	13	such	such	ADJ
easat-2774	130	14	as	as	ADP
easat-2774	130	15	infrastructure	infrastructure	NOUN
easat-2774	130	16	and	and	CCONJ
easat-2774	130	17	exports	export	NOUN
easat-2774	130	18	,	,	PUNCT
easat-2774	130	19	there	there	PRON
easat-2774	130	20	is	be	VERB
easat-2774	130	21	an	an	DET
easat-2774	130	22	increasing	increase	VERB
easat-2774	130	23	need	need	NOUN
easat-2774	130	24	for	for	ADP
easat-2774	130	25	adequate	adequate	ADJ
easat-2774	130	26	financing	financing	NOUN
easat-2774	130	27	and	and	CCONJ
easat-2774	130	28	risk	risk	NOUN
easat-2774	130	29	management	management	NOUN
easat-2774	130	30	.	.	PUNCT
easat-2774	131	1	digital	digital	ADJ
easat-2774	131	2	transformation	transformation	NOUN
easat-2774	131	3	and	and	CCONJ
easat-2774	131	4	the	the	DET
easat-2774	131	5	use	use	NOUN
easat-2774	131	6	of	of	ADP
easat-2774	131	7	big	big	ADJ
easat-2774	131	8	data	datum	NOUN
easat-2774	131	9	by	by	ADP
easat-2774	131	10	3600	3600	NUM
easat-2774	131	11	edelweiss	edelweiss	PROPN
easat-2774	131	12	applied	apply	VERB
easat-2774	131	13	science	science	NOUN
easat-2774	131	14	and	and	CCONJ
easat-2774	131	15	technology	technology	NOUN
easat-2774	131	16	issn	issn	PROPN
easat-2774	131	17	:	:	PUNCT
easat-2774	131	18	2576	2576	NUM
easat-2774	131	19	-	-	SYM
easat-2774	131	20	8484	8484	NUM
easat-2774	131	21	vol	vol	NOUN
easat-2774	131	22	.	.	PROPN
easat-2774	131	23	8	8	NUM
easat-2774	131	24	,	,	PUNCT
easat-2774	131	25	no	no	INTJ
easat-2774	131	26	.	.	NOUN
easat-2774	132	1	6	6	NUM
easat-2774	132	2	:	:	SYM
easat-2774	132	3	3589	3589	NUM
easat-2774	132	4	-	-	SYM
easat-2774	132	5	3601	3601	NUM
easat-2774	132	6	,	,	PUNCT
easat-2774	132	7	2024	2024	NUM
easat-2774	132	8	doi	doi	NOUN
easat-2774	132	9	:	:	PUNCT
easat-2774	132	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	132	11	©	©	PROPN
easat-2774	132	12	2024	2024	NUM
easat-2774	132	13	by	by	ADP
easat-2774	132	14	the	the	DET
easat-2774	132	15	authors	author	NOUN
easat-2774	132	16	;	;	PUNCT
easat-2774	132	17	licensee	licensee	PROPN
easat-2774	132	18	learning	learn	VERB
easat-2774	132	19	gate	gate	PROPN
easat-2774	132	20	guarantee	guarantee	PROPN
easat-2774	132	21	agencies	agency	NOUN
easat-2774	132	22	a	a	DET
easat-2774	132	23	significant	significant	ADJ
easat-2774	132	24	steps	step	NOUN
easat-2774	132	25	towards	towards	ADP
easat-2774	132	26	improving	improve	VERB
easat-2774	132	27	efficiency	efficiency	NOUN
easat-2774	132	28	and	and	CCONJ
easat-2774	132	29	transparency	transparency	NOUN
easat-2774	132	30	,	,	PUNCT
easat-2774	132	31	but	but	CCONJ
easat-2774	132	32	they	they	PRON
easat-2774	132	33	also	also	ADV
easat-2774	132	34	present	present	VERB
easat-2774	132	35	new	new	ADJ
easat-2774	132	36	risks	risk	NOUN
easat-2774	132	37	such	such	ADJ
easat-2774	132	38	as	as	ADP
easat-2774	132	39	operational	operational	ADJ
easat-2774	132	40	and	and	CCONJ
easat-2774	132	41	reputational	reputational	ADJ
easat-2774	132	42	risks	risk	NOUN
easat-2774	132	43	,	,	PUNCT
easat-2774	132	44	the	the	DET
easat-2774	132	45	gearing	gear	VERB
easat-2774	132	46	ratio	ratio	NOUN
easat-2774	132	47	is	be	AUX
easat-2774	132	48	an	an	DET
easat-2774	132	49	important	important	ADJ
easat-2774	132	50	indicator	indicator	NOUN
easat-2774	132	51	in	in	ADP
easat-2774	132	52	assessing	assess	VERB
easat-2774	132	53	the	the	DET
easat-2774	132	54	financial	financial	ADJ
easat-2774	132	55	health	health	NOUN
easat-2774	132	56	of	of	ADP
easat-2774	132	57	guarantee	guarantee	NOUN
easat-2774	132	58	institutions	institution	NOUN
easat-2774	132	59	,	,	PUNCT
easat-2774	132	60	where	where	SCONJ
easat-2774	132	61	the	the	DET
easat-2774	132	62	optimal	optimal	ADJ
easat-2774	132	63	ratio	ratio	NOUN
easat-2774	132	64	is	be	AUX
easat-2774	132	65	a	a	DET
easat-2774	132	66	maximum	maximum	NOUN
easat-2774	132	67	of	of	ADP
easat-2774	132	68	40	40	NUM
easat-2774	132	69	times	time	NOUN
easat-2774	132	70	and	and	CCONJ
easat-2774	132	71	an	an	DET
easat-2774	132	72	in	in	ADP
easat-2774	132	73	-	-	PUNCT
easat-2774	132	74	depth	depth	NOUN
easat-2774	132	75	study	study	NOUN
easat-2774	132	76	needs	need	VERB
easat-2774	132	77	to	to	PART
easat-2774	132	78	be	be	AUX
easat-2774	132	79	carried	carry	VERB
easat-2774	132	80	out	out	ADP
easat-2774	132	81	regarding	regard	VERB
easat-2774	132	82	its	its	PRON
easat-2774	132	83	calculation	calculation	NOUN
easat-2774	132	84	policy	policy	NOUN
easat-2774	132	85	,	,	PUNCT
easat-2774	132	86	considering	consider	VERB
easat-2774	132	87	the	the	DET
easat-2774	132	88	quality	quality	NOUN
easat-2774	132	89	of	of	ADP
easat-2774	132	90	guarantee	guarantee	NOUN
easat-2774	132	91	risk	risk	NOUN
easat-2774	132	92	.	.	PUNCT
easat-2774	133	1	guarantee	guarantee	NOUN
easat-2774	133	2	fee	fee	NOUN
easat-2774	133	3	rates	rate	NOUN
easat-2774	133	4	(	(	PUNCT
easat-2774	133	5	ijp	ijp	NOUN
easat-2774	133	6	)	)	PUNCT
easat-2774	133	7	in	in	ADP
easat-2774	133	8	indonesia	indonesia	PROPN
easat-2774	133	9	need	need	VERB
easat-2774	133	10	to	to	PART
easat-2774	133	11	be	be	AUX
easat-2774	133	12	regulated	regulate	VERB
easat-2774	133	13	by	by	ADP
easat-2774	133	14	the	the	DET
easat-2774	133	15	financial	financial	ADJ
easat-2774	133	16	services	service	NOUN
easat-2774	133	17	authority	authority	NOUN
easat-2774	133	18	regarding	regard	VERB
easat-2774	133	19	the	the	DET
easat-2774	133	20	number	number	NOUN
easat-2774	133	21	of	of	ADP
easat-2774	133	22	guarantee	guarantee	NOUN
easat-2774	133	23	rates	rate	NOUN
easat-2774	133	24	so	so	SCONJ
easat-2774	133	25	that	that	SCONJ
easat-2774	133	26	no	no	DET
easat-2774	133	27	tariff	tariff	NOUN
easat-2774	133	28	war	war	NOUN
easat-2774	133	29	impacts	impact	VERB
easat-2774	133	30	the	the	DET
easat-2774	133	31	performance	performance	NOUN
easat-2774	133	32	of	of	ADP
easat-2774	133	33	the	the	DET
easat-2774	133	34	credit	credit	NOUN
easat-2774	133	35	guarantee	guarantee	NOUN
easat-2774	133	36	industry	industry	NOUN
easat-2774	133	37	.	.	PUNCT
easat-2774	134	1	this	this	DET
easat-2774	134	2	study	study	NOUN
easat-2774	134	3	found	find	VERB
easat-2774	134	4	that	that	SCONJ
easat-2774	134	5	tariff	tariff	NOUN
easat-2774	134	6	risk	risk	NOUN
easat-2774	134	7	management	management	NOUN
easat-2774	134	8	and	and	CCONJ
easat-2774	134	9	gearing	gear	VERB
easat-2774	134	10	ratios	ratio	NOUN
easat-2774	134	11	have	have	VERB
easat-2774	134	12	a	a	DET
easat-2774	134	13	significant	significant	ADJ
easat-2774	134	14	impact	impact	NOUN
easat-2774	134	15	on	on	ADP
easat-2774	134	16	the	the	DET
easat-2774	134	17	performance	performance	NOUN
easat-2774	134	18	of	of	ADP
easat-2774	134	19	credit	credit	NOUN
easat-2774	134	20	guarantee	guarantee	NOUN
easat-2774	134	21	institutions	institution	NOUN
easat-2774	134	22	,	,	PUNCT
easat-2774	134	23	which	which	PRON
easat-2774	134	24	if	if	SCONJ
easat-2774	134	25	not	not	PART
easat-2774	134	26	managed	manage	VERB
easat-2774	134	27	properly	properly	ADV
easat-2774	134	28	can	can	AUX
easat-2774	134	29	result	result	VERB
easat-2774	134	30	in	in	ADP
easat-2774	134	31	decreased	decrease	VERB
easat-2774	134	32	performance	performance	NOUN
easat-2774	134	33	both	both	CCONJ
easat-2774	134	34	in	in	ADP
easat-2774	134	35	the	the	DET
easat-2774	134	36	short	short	ADJ
easat-2774	134	37	and	and	CCONJ
easat-2774	134	38	long	long	ADJ
easat-2774	134	39	term	term	NOUN
easat-2774	134	40	.	.	PUNCT
easat-2774	135	1	this	this	DET
easat-2774	135	2	research	research	NOUN
easat-2774	135	3	utilizes	utilize	VERB
easat-2774	135	4	nvivo	nvivo	ADJ
easat-2774	135	5	12	12	NUM
easat-2774	135	6	to	to	PART
easat-2774	135	7	analyze	analyze	VERB
easat-2774	135	8	the	the	DET
easat-2774	135	9	data	datum	NOUN
easat-2774	135	10	and	and	CCONJ
easat-2774	135	11	find	find	VERB
easat-2774	135	12	critical	critical	ADJ
easat-2774	135	13	themes	theme	NOUN
easat-2774	135	14	such	such	ADJ
easat-2774	135	15	as	as	ADP
easat-2774	135	16	risk	risk	NOUN
easat-2774	135	17	management	management	NOUN
easat-2774	135	18	,	,	PUNCT
easat-2774	135	19	digitalization	digitalization	NOUN
easat-2774	135	20	,	,	PUNCT
easat-2774	135	21	and	and	CCONJ
easat-2774	135	22	sustainability	sustainability	NOUN
easat-2774	135	23	through	through	ADP
easat-2774	135	24	interviews	interview	NOUN
easat-2774	135	25	with	with	ADP
easat-2774	135	26	various	various	ADJ
easat-2774	135	27	relevant	relevant	ADJ
easat-2774	135	28	parties	party	NOUN
easat-2774	135	29	.	.	PUNCT
easat-2774	136	1	the	the	DET
easat-2774	136	2	analytical	analytical	ADJ
easat-2774	136	3	hierarchy	hierarchy	NOUN
easat-2774	136	4	process	process	NOUN
easat-2774	136	5	(	(	PUNCT
easat-2774	136	6	ahp	ahp	NOUN
easat-2774	136	7	)	)	PUNCT
easat-2774	136	8	was	be	AUX
easat-2774	136	9	used	use	VERB
easat-2774	136	10	to	to	PART
easat-2774	136	11	determine	determine	VERB
easat-2774	136	12	the	the	DET
easat-2774	136	13	priority	priority	NOUN
easat-2774	136	14	scale	scale	NOUN
easat-2774	136	15	in	in	ADP
easat-2774	136	16	risk	risk	NOUN
easat-2774	136	17	management	management	NOUN
easat-2774	136	18	and	and	CCONJ
easat-2774	136	19	support	support	VERB
easat-2774	136	20	the	the	DET
easat-2774	136	21	digitalization	digitalization	NOUN
easat-2774	136	22	design	design	NOUN
easat-2774	136	23	of	of	ADP
easat-2774	136	24	the	the	DET
easat-2774	136	25	program	program	NOUN
easat-2774	136	26	gearing	gearing	NOUN
easat-2774	136	27	ratio	ratio	NOUN
easat-2774	136	28	(	(	PUNCT
easat-2774	136	29	pgr	pgr	PROPN
easat-2774	136	30	)	)	PUNCT
easat-2774	136	31	which	which	PRON
easat-2774	136	32	aims	aim	VERB
easat-2774	136	33	to	to	PART
easat-2774	136	34	improve	improve	VERB
easat-2774	136	35	the	the	DET
easat-2774	136	36	management	management	NOUN
easat-2774	136	37	of	of	ADP
easat-2774	136	38	gearing	gear	VERB
easat-2774	136	39	ratios	ratio	NOUN
easat-2774	136	40	in	in	ADP
easat-2774	136	41	the	the	DET
easat-2774	136	42	credit	credit	NOUN
easat-2774	136	43	guarantee	guarantee	NOUN
easat-2774	136	44	industry	industry	NOUN
easat-2774	136	45	.	.	PUNCT
easat-2774	137	1	the	the	DET
easat-2774	137	2	next	next	ADJ
easat-2774	137	3	step	step	NOUN
easat-2774	137	4	of	of	ADP
easat-2774	137	5	swot	swot	PROPN
easat-2774	137	6	analysis	analysis	NOUN
easat-2774	137	7	using	use	VERB
easat-2774	137	8	ifas	ifas	NOUN
easat-2774	137	9	and	and	CCONJ
easat-2774	137	10	efas	efas	NOUN
easat-2774	137	11	provides	provide	VERB
easat-2774	137	12	a	a	DET
easat-2774	137	13	more	more	ADJ
easat-2774	137	14	in	in	ADP
easat-2774	137	15	-	-	PUNCT
easat-2774	137	16	depth	depth	NOUN
easat-2774	137	17	view	view	NOUN
easat-2774	137	18	of	of	ADP
easat-2774	137	19	credit	credit	NOUN
easat-2774	137	20	guarantee	guarantee	NOUN
easat-2774	137	21	institutions	institution	NOUN
easat-2774	137	22	’	'	PUNCT
easat-2774	137	23	strengths	strength	NOUN
easat-2774	137	24	,	,	PUNCT
easat-2774	137	25	weaknesses	weakness	NOUN
easat-2774	137	26	,	,	PUNCT
easat-2774	137	27	opportunities	opportunity	NOUN
easat-2774	137	28	,	,	PUNCT
easat-2774	137	29	and	and	CCONJ
easat-2774	137	30	threats	threat	NOUN
easat-2774	137	31	.	.	PUNCT
easat-2774	138	1	this	this	DET
easat-2774	138	2	research	research	NOUN
easat-2774	138	3	concludes	conclude	VERB
easat-2774	138	4	that	that	SCONJ
easat-2774	138	5	credit	credit	NOUN
easat-2774	138	6	guarantee	guarantee	NOUN
easat-2774	138	7	institutions	institution	NOUN
easat-2774	138	8	’	'	PUNCT
easat-2774	138	9	financial	financial	ADJ
easat-2774	138	10	sustainability	sustainability	NOUN
easat-2774	138	11	and	and	CCONJ
easat-2774	138	12	stability	stability	NOUN
easat-2774	138	13	can	can	AUX
easat-2774	138	14	be	be	AUX
easat-2774	138	15	achieved	achieve	VERB
easat-2774	138	16	through	through	ADP
easat-2774	138	17	effective	effective	ADJ
easat-2774	138	18	risk	risk	NOUN
easat-2774	138	19	management	management	NOUN
easat-2774	138	20	,	,	PUNCT
easat-2774	138	21	digital	digital	ADJ
easat-2774	138	22	transformation	transformation	NOUN
easat-2774	138	23	,	,	PUNCT
easat-2774	138	24	and	and	CCONJ
easat-2774	138	25	strong	strong	ADJ
easat-2774	138	26	collaboration	collaboration	NOUN
easat-2774	138	27	with	with	ADP
easat-2774	138	28	financial	financial	ADJ
easat-2774	138	29	regulators	regulator	NOUN
easat-2774	138	30	and	and	CCONJ
easat-2774	138	31	other	other	ADJ
easat-2774	138	32	financial	financial	ADJ
easat-2774	138	33	institutions	institution	NOUN
easat-2774	138	34	.	.	PUNCT
easat-2774	139	1	copyright	copyright	NOUN
easat-2774	139	2	:	:	PUNCT
easat-2774	139	3	©	©	PROPN
easat-2774	139	4	2024	2024	NUM
easat-2774	139	5	by	by	ADP
easat-2774	139	6	the	the	DET
easat-2774	139	7	authors	author	NOUN
easat-2774	139	8	.	.	PUNCT
easat-2774	140	1	this	this	DET
easat-2774	140	2	article	article	NOUN
easat-2774	140	3	is	be	AUX
easat-2774	140	4	an	an	DET
easat-2774	140	5	open	open	ADJ
easat-2774	140	6	access	access	NOUN
easat-2774	140	7	article	article	NOUN
easat-2774	140	8	distributed	distribute	VERB
easat-2774	140	9	under	under	ADP
easat-2774	140	10	the	the	DET
easat-2774	140	11	terms	term	NOUN
easat-2774	140	12	and	and	CCONJ
easat-2774	140	13	conditions	condition	NOUN
easat-2774	140	14	of	of	ADP
easat-2774	140	15	the	the	DET
easat-2774	140	16	creative	creative	ADJ
easat-2774	140	17	commons	common	NOUN
easat-2774	140	18	attribution	attribution	NOUN
easat-2774	140	19	(	(	PUNCT
easat-2774	140	20	cc	cc	NOUN
easat-2774	140	21	by	by	ADP
easat-2774	140	22	)	)	PUNCT
easat-2774	140	23	license	license	NOUN
easat-2774	140	24	(	(	PUNCT
easat-2774	140	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2774	140	26	)	)	PUNCT
easat-2774	140	27	.	.	PUNCT
easat-2774	141	1	references	reference	NOUN
easat-2774	141	2	[	[	X
easat-2774	141	3	1	1	NUM
easat-2774	141	4	]	]	PUNCT
easat-2774	141	5	akbaralievich	akbaralievich	PROPN
easat-2774	141	6	,	,	PUNCT
easat-2774	141	7	e.	e.	PROPN
easat-2774	141	8	a.	a.	PROPN
easat-2774	141	9	(	(	PUNCT
easat-2774	141	10	2020	2020	NUM
easat-2774	141	11	)	)	PUNCT
easat-2774	141	12	.	.	PUNCT
easat-2774	142	1	the	the	DET
easat-2774	142	2	role	role	NOUN
easat-2774	142	3	of	of	ADP
easat-2774	142	4	audit	audit	NOUN
easat-2774	142	5	in	in	ADP
easat-2774	142	6	corporate	corporate	ADJ
easat-2774	142	7	governance	governance	NOUN
easat-2774	142	8	.	.	PUNCT
easat-2774	143	1	novateurpublication	novateurpublication	NOUN
easat-2774	143	2	,	,	PUNCT
easat-2774	143	3	7(8	7(8	NUM
easat-2774	143	4	)	)	PUNCT
easat-2774	143	5	.	.	PUNCT
easat-2774	144	1	[	[	X
easat-2774	144	2	2	2	NUM
easat-2774	144	3	]	]	X
easat-2774	144	4	ardic	ardic	ADJ
easat-2774	144	5	,	,	PUNCT
easat-2774	144	6	o.	o.	PROPN
easat-2774	144	7	p.	p.	PROPN
easat-2774	144	8	,	,	PUNCT
easat-2774	144	9	mylenko	mylenko	NOUN
easat-2774	144	10	,	,	PUNCT
easat-2774	144	11	n.	n.	NOUN
easat-2774	144	12	,	,	PUNCT
easat-2774	144	13	&	&	CCONJ
easat-2774	144	14	saltane	saltane	PROPN
easat-2774	144	15	,	,	PUNCT
easat-2774	144	16	v.	v.	PROPN
easat-2774	144	17	(	(	PUNCT
easat-2774	144	18	2011	2011	NUM
easat-2774	144	19	)	)	PUNCT
easat-2774	144	20	.	.	PUNCT
easat-2774	145	1	small	small	ADJ
easat-2774	145	2	and	and	CCONJ
easat-2774	145	3	medium	medium	ADJ
easat-2774	145	4	enterprises	enterprise	NOUN
easat-2774	145	5	a	a	DET
easat-2774	145	6	cross	cross	ADJ
easat-2774	145	7	-	-	ADJ
easat-2774	145	8	country	country	ADJ
easat-2774	145	9	analysis	analysis	NOUN
easat-2774	145	10	with	with	ADP
easat-2774	145	11	a	a	DET
easat-2774	145	12	new	new	ADJ
easat-2774	145	13	data	datum	NOUN
easat-2774	145	14	set	set	VERB
easat-2774	145	15	the	the	DET
easat-2774	145	16	world	world	NOUN
easat-2774	145	17	bank	bank	PROPN
easat-2774	145	18	financial	financial	ADJ
easat-2774	145	19	and	and	CCONJ
easat-2774	145	20	private	private	ADJ
easat-2774	145	21	sector	sector	NOUN
easat-2774	145	22	development	development	NOUN
easat-2774	145	23	consultative	consultative	ADJ
easat-2774	145	24	group	group	NOUN
easat-2774	145	25	to	to	PART
easat-2774	145	26	assist	assist	VERB
easat-2774	145	27	the	the	DET
easat-2774	145	28	poor	poor	ADJ
easat-2774	145	29	.	.	PUNCT
easat-2774	146	1	http://www.cgap.org/financialindicators	http://www.cgap.org/financialindicator	NOUN
easat-2774	147	1	[	[	X
easat-2774	147	2	3	3	X
easat-2774	147	3	]	]	X
easat-2774	147	4	barraza	barraza	PROPN
easat-2774	147	5	de	de	PROPN
easat-2774	147	6	la	la	PROPN
easat-2774	147	7	paz	paz	PROPN
easat-2774	147	8	,	,	PUNCT
easat-2774	147	9	j.	j.	PROPN
easat-2774	147	10	v.	v.	PROPN
easat-2774	147	11	,	,	PUNCT
easat-2774	147	12	rodríguez	rodríguez	NOUN
easat-2774	147	13	-	-	PUNCT
easat-2774	147	14	picón	picón	NOUN
easat-2774	147	15	,	,	PUNCT
easat-2774	147	16	l.	l.	PROPN
easat-2774	147	17	a.	a.	PROPN
easat-2774	147	18	,	,	PUNCT
easat-2774	147	19	morales	morales	PROPN
easat-2774	147	20	-	-	PUNCT
easat-2774	147	21	rocha	rocha	PROPN
easat-2774	147	22	,	,	PUNCT
easat-2774	147	23	v.	v.	PROPN
easat-2774	147	24	,	,	PUNCT
easat-2774	147	25	&	&	CCONJ
easat-2774	147	26	torres	torre	NOUN
easat-2774	147	27	-	-	PUNCT
easat-2774	147	28	argüelles	argüelle	NOUN
easat-2774	147	29	,	,	PUNCT
easat-2774	147	30	s.	s.	PROPN
easat-2774	147	31	v.	v.	PROPN
easat-2774	147	32	(	(	PUNCT
easat-2774	147	33	2023	2023	NUM
easat-2774	147	34	)	)	PUNCT
easat-2774	147	35	.	.	PUNCT
easat-2774	148	1	a	a	DET
easat-2774	148	2	systematic	systematic	ADJ
easat-2774	148	3	review	review	NOUN
easat-2774	148	4	of	of	ADP
easat-2774	148	5	risk	risk	NOUN
easat-2774	148	6	management	management	NOUN
easat-2774	148	7	methodologies	methodology	NOUN
easat-2774	148	8	for	for	ADP
easat-2774	148	9	complex	complex	ADJ
easat-2774	148	10	organizations	organization	NOUN
easat-2774	148	11	in	in	ADP
easat-2774	148	12	industry	industry	NOUN
easat-2774	148	13	4.0	4.0	NUM
easat-2774	148	14	and	and	CCONJ
easat-2774	148	15	5.0	5.0	NUM
easat-2774	148	16	.	.	PUNCT
easat-2774	149	1	systems	system	NOUN
easat-2774	149	2	,	,	PUNCT
easat-2774	149	3	11(5	11(5	NUM
easat-2774	149	4	)	)	PUNCT
easat-2774	149	5	,	,	PUNCT
easat-2774	149	6	218	218	NUM
easat-2774	149	7	.	.	PUNCT
easat-2774	150	1	https://doi.org/10.3390/systems11050218	https://doi.org/10.3390/systems11050218	NOUN
easat-2774	151	1	[	[	X
easat-2774	151	2	4	4	NUM
easat-2774	151	3	]	]	X
easat-2774	151	4	cahya	cahya	PROPN
easat-2774	151	5	,	,	PUNCT
easat-2774	151	6	a.	a.	PROPN
easat-2774	151	7	d.	d.	PROPN
easat-2774	151	8	(	(	PUNCT
easat-2774	151	9	2019	2019	NUM
easat-2774	151	10	)	)	PUNCT
easat-2774	151	11	.	.	PUNCT
easat-2774	152	1	marketing	marketing	NOUN
easat-2774	152	2	audit	audit	NOUN
easat-2774	152	3	:	:	PUNCT
easat-2774	152	4	does	do	AUX
easat-2774	152	5	itaffect	itaffect	VERB
easat-2774	152	6	marketing	marketing	NOUN
easat-2774	152	7	planning	planning	NOUN
easat-2774	152	8	and	and	CCONJ
easat-2774	152	9	marketing	marketing	NOUN
easat-2774	152	10	effectivinesss	effectivinesss	NOUN
easat-2774	152	11	in	in	ADP
easat-2774	152	12	the	the	DET
easat-2774	152	13	sales	sale	NOUN
easat-2774	152	14	function	function	NOUN
easat-2774	152	15	?	?	PUNCT
easat-2774	153	1	sustainable	sustainable	ADJ
easat-2774	153	2	business	business	NOUN
easat-2774	153	3	accounting	accounting	NOUN
easat-2774	153	4	and	and	CCONJ
easat-2774	153	5	management	management	NOUN
easat-2774	153	6	review	review	NOUN
easat-2774	153	7	,	,	PUNCT
easat-2774	153	8	1(2	1(2	NUM
easat-2774	153	9	)	)	PUNCT
easat-2774	153	10	.	.	PUNCT
easat-2774	154	1	[	[	X
easat-2774	154	2	5	5	NUM
easat-2774	154	3	]	]	X
easat-2774	154	4	davis	davis	PROPN
easat-2774	154	5	,	,	PUNCT
easat-2774	154	6	f.	f.	PROPN
easat-2774	154	7	d.	d.	PROPN
easat-2774	154	8	(	(	PUNCT
easat-2774	154	9	1989	1989	NUM
easat-2774	154	10	)	)	PUNCT
easat-2774	154	11	.	.	PUNCT
easat-2774	155	1	perceived	perceive	VERB
easat-2774	155	2	usefulness	usefulness	NOUN
easat-2774	155	3	,	,	PUNCT
easat-2774	155	4	perceived	perceive	VERB
easat-2774	155	5	ease	ease	NOUN
easat-2774	155	6	of	of	ADP
easat-2774	155	7	use	use	NOUN
easat-2774	155	8	,	,	PUNCT
easat-2774	155	9	and	and	CCONJ
easat-2774	155	10	user	user	NOUN
easat-2774	155	11	acceptance	acceptance	NOUN
easat-2774	155	12	of	of	ADP
easat-2774	155	13	information	information	NOUN
easat-2774	155	14	technology	technology	NOUN
easat-2774	155	15	.	.	PUNCT
easat-2774	156	1	mis	mis	PROPN
easat-2774	156	2	quarterly	quarterly	PROPN
easat-2774	156	3	,	,	PUNCT
easat-2774	156	4	13(3	13(3	NUM
easat-2774	156	5	)	)	PUNCT
easat-2774	156	6	,	,	PUNCT
easat-2774	156	7	319	319	NUM
easat-2774	156	8	.	.	PUNCT
easat-2774	157	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-2774	158	1	[	[	X
easat-2774	158	2	6	6	NUM
easat-2774	158	3	]	]	PUNCT
easat-2774	158	4	feshchur	feshchur	PROPN
easat-2774	158	5	,	,	PUNCT
easat-2774	158	6	i.	i.	PROPN
easat-2774	158	7	,	,	PUNCT
easat-2774	158	8	hurzhyi	hurzhyi	PROPN
easat-2774	158	9	,	,	PUNCT
easat-2774	158	10	n.	n.	NOUN
easat-2774	158	11	,	,	PUNCT
easat-2774	158	12	kuzminska	kuzminska	PROPN
easat-2774	158	13	,	,	PUNCT
easat-2774	158	14	y.	y.	PROPN
easat-2774	158	15	,	,	PUNCT
easat-2774	158	16	danchenko	danchenko	PROPN
easat-2774	158	17	,	,	PUNCT
easat-2774	158	18	o.	o.	PROPN
easat-2774	158	19	,	,	PUNCT
easat-2774	158	20	&	&	CCONJ
easat-2774	158	21	horiashchenko	horiashchenko	PROPN
easat-2774	158	22	,	,	PUNCT
easat-2774	158	23	y.	y.	NOUN
easat-2774	158	24	(	(	PUNCT
easat-2774	158	25	2023	2023	NUM
easat-2774	158	26	)	)	PUNCT
easat-2774	158	27	.	.	PUNCT
easat-2774	159	1	marketing	marketing	NOUN
easat-2774	159	2	audit	audit	NOUN
easat-2774	159	3	as	as	ADP
easat-2774	159	4	a	a	DET
easat-2774	159	5	tool	tool	NOUN
easat-2774	159	6	for	for	ADP
easat-2774	159	7	assessing	assess	VERB
easat-2774	159	8	business	business	NOUN
easat-2774	159	9	performance	performance	NOUN
easat-2774	159	10	.	.	PUNCT
easat-2774	160	1	theoretical	theoretical	ADJ
easat-2774	160	2	and	and	CCONJ
easat-2774	160	3	practical	practical	ADJ
easat-2774	160	4	research	research	NOUN
easat-2774	160	5	in	in	ADP
easat-2774	160	6	economic	economic	ADJ
easat-2774	160	7	fields	field	NOUN
easat-2774	160	8	,	,	PUNCT
easat-2774	160	9	14(2	14(2	NUM
easat-2774	160	10	)	)	PUNCT
easat-2774	160	11	,	,	PUNCT
easat-2774	160	12	438	438	NUM
easat-2774	160	13	.	.	PUNCT
easat-2774	161	1	https://doi.org/10.14505/tpref.v14.2(28).21	https://doi.org/10.14505/tpref.v14.2(28).21	PROPN
easat-2774	162	1	[	[	X
easat-2774	162	2	7	7	NUM
easat-2774	162	3	]	]	X
easat-2774	162	4	gualandri	gualandri	PROPN
easat-2774	162	5	,	,	PUNCT
easat-2774	162	6	e.	e.	PROPN
easat-2774	162	7	,	,	PUNCT
easat-2774	162	8	bongini	bongini	PROPN
easat-2774	162	9	,	,	PUNCT
easat-2774	162	10	p.	p.	NOUN
easat-2774	162	11	,	,	PUNCT
easat-2774	162	12	pierigè	pierigè	ADJ
easat-2774	162	13	,	,	PUNCT
easat-2774	162	14	m.	m.	NOUN
easat-2774	162	15	,	,	PUNCT
easat-2774	162	16	&	&	CCONJ
easat-2774	162	17	di	di	PROPN
easat-2774	162	18	janni	janni	PROPN
easat-2774	162	19	,	,	PUNCT
easat-2774	162	20	m.	m.	NOUN
easat-2774	162	21	(	(	PUNCT
easat-2774	162	22	2024	2024	NUM
easat-2774	162	23	)	)	PUNCT
easat-2774	162	24	.	.	PUNCT
easat-2774	163	1	regulatory	regulatory	ADJ
easat-2774	163	2	framework	framework	NOUN
easat-2774	163	3	,	,	PUNCT
easat-2774	163	4	standards	standard	NOUN
easat-2774	163	5	,	,	PUNCT
easat-2774	163	6	and	and	CCONJ
easat-2774	163	7	best	good	ADJ
easat-2774	163	8	practices	practice	NOUN
easat-2774	163	9	for	for	ADP
easat-2774	163	10	the	the	DET
easat-2774	163	11	financial	financial	ADJ
easat-2774	163	12	sector	sector	NOUN
easat-2774	163	13	.	.	PUNCT
easat-2774	164	1	7–76	7–76	NOUN
easat-2774	164	2	.	.	PUNCT
easat-2774	164	3	https://doi.org/10.1007/978-3-031-54872-7_2	https://doi.org/10.1007/978-3-031-54872-7_2	PUNCT
easat-2774	165	1	[	[	X
easat-2774	165	2	8	8	NUM
easat-2774	165	3	]	]	X
easat-2774	165	4	iso	iso	NOUN
easat-2774	165	5	31000:2018	31000:2018	NUM
easat-2774	165	6	risk	risk	NOUN
easat-2774	165	7	management	management	NOUN
easat-2774	165	8	-	-	PUNCT
easat-2774	165	9	guidelines	guideline	NOUN
easat-2774	165	10	.	.	PUNCT
easat-2774	166	1	(	(	PUNCT
easat-2774	166	2	2018	2018	NUM
easat-2774	166	3	)	)	PUNCT
easat-2774	166	4	.	.	PUNCT
easat-2774	167	1	[	[	X
easat-2774	167	2	9	9	NUM
easat-2774	167	3	]	]	PUNCT
easat-2774	167	4	junaidi	junaidi	NOUN
easat-2774	167	5	,	,	PUNCT
easat-2774	167	6	m.	m.	NOUN
easat-2774	167	7	(	(	PUNCT
easat-2774	167	8	2023	2023	NUM
easat-2774	167	9	)	)	PUNCT
easat-2774	167	10	.	.	PUNCT
easat-2774	168	1	umkm	umkm	ADJ
easat-2774	168	2	hebat	hebat	NOUN
easat-2774	168	3	,	,	PUNCT
easat-2774	168	4	perekonomian	perekonomian	PROPN
easat-2774	168	5	nasional	nasional	ADJ
easat-2774	168	6	meningkat	meningkat	PROPN
easat-2774	168	7	.	.	PUNCT
easat-2774	169	1	https://djpb.kemenkeu.go.id/portal/id/berita/lainnya/opini/4133-umkm-hebat,-perekonomian-nasionalmeningkat.html	https://djpb.kemenkeu.go.id/portal/id/berita/lainnya/opini/4133-umkm-hebat,-perekonomian-nasionalmeningkat.html	PUNCT
easat-2774	170	1	[	[	X
easat-2774	170	2	10	10	NUM
easat-2774	170	3	]	]	X
easat-2774	170	4	kaur	kaur	PROPN
easat-2774	170	5	,	,	PUNCT
easat-2774	170	6	g.	g.	PROPN
easat-2774	170	7	,	,	PUNCT
easat-2774	170	8	habibi	habibi	PROPN
easat-2774	170	9	lashkari	lashkari	PROPN
easat-2774	170	10	,	,	PUNCT
easat-2774	170	11	z.	z.	PROPN
easat-2774	170	12	,	,	PUNCT
easat-2774	170	13	&	&	CCONJ
easat-2774	170	14	habibi	habibi	PROPN
easat-2774	170	15	lashkari	lashkari	PROPN
easat-2774	170	16	,	,	PUNCT
easat-2774	170	17	a.	a.	NOUN
easat-2774	170	18	(	(	PUNCT
easat-2774	170	19	2021	2021	NUM
easat-2774	170	20	)	)	PUNCT
easat-2774	170	21	.	.	PUNCT
easat-2774	171	1	cybersecurity	cybersecurity	NOUN
easat-2774	171	2	risk	risk	NOUN
easat-2774	171	3	in	in	ADP
easat-2774	171	4	fintech	fintech	NOUN
easat-2774	171	5	.	.	PUNCT
easat-2774	172	1	103–122	103–122	NUM
easat-2774	172	2	.	.	PUNCT
easat-2774	172	3	https://doi.org/10.1007/978-3-030-79915-1_6	https://doi.org/10.1007/978-3-030-79915-1_6	PUNCT
easat-2774	173	1	[	[	X
easat-2774	173	2	11	11	NUM
easat-2774	173	3	]	]	X
easat-2774	173	4	mansour	mansour	PROPN
easat-2774	173	5	elkafrawi	elkafrawi	PROPN
easat-2774	173	6	,	,	PUNCT
easat-2774	173	7	e.	e.	PROPN
easat-2774	173	8	,	,	PUNCT
easat-2774	173	9	moussa	moussa	PROPN
easat-2774	173	10	elsamadicy	elsamadicy	PROPN
easat-2774	173	11	,	,	PUNCT
easat-2774	173	12	a.	a.	PROPN
easat-2774	173	13	,	,	PUNCT
easat-2774	173	14	rasheed	rasheed	PROPN
easat-2774	173	15	gaber	gaber	PROPN
easat-2774	173	16	,	,	PUNCT
easat-2774	173	17	h.	h.	PROPN
easat-2774	173	18	,	,	PUNCT
easat-2774	173	19	&	&	CCONJ
easat-2774	173	20	mohamed	mohamed	PROPN
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easat-2774	173	22	,	,	PUNCT
easat-2774	173	23	k.	k.	PROPN
easat-2774	173	24	(	(	PUNCT
easat-2774	173	25	2023	2023	NUM
easat-2774	173	26	)	)	PUNCT
easat-2774	173	27	.	.	PUNCT
easat-2774	174	1	investigating	investigate	VERB
easat-2774	174	2	the	the	DET
easat-2774	174	3	impact	impact	NOUN
easat-2774	174	4	of	of	ADP
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easat-2774	174	6	audit	audit	NOUN
easat-2774	174	7	on	on	ADP
easat-2774	174	8	marketing	marketing	NOUN
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easat-2774	174	10	:	:	PUNCT
easat-2774	174	11	an	an	DET
easat-2774	174	12	application	application	NOUN
easat-2774	174	13	on	on	ADP
easat-2774	174	14	manufacturing	manufacture	VERB
easat-2774	174	15	companies	company	NOUN
easat-2774	174	16	in	in	ADP
easat-2774	174	17	egypt	egypt	PROPN
easat-2774	174	18	.	.	PUNCT
easat-2774	175	1	302–260	302–260	NUM
easat-2774	175	2	,	,	PUNCT
easat-2774	175	3	(	(	PUNCT
easat-2774	175	4	4)14	4)14	PROPN
easat-2774	175	5	,	,	PUNCT
easat-2774	175	6	اااااااا	اااااااا	PROPN
easat-2774	175	7	اااااااا	اااااااا	PROPN
easat-2774	175	8	اااااااا	اااااااا	PROPN
easat-2774	175	9	ااااااا	ااااااا	PROPN
easat-2774	175	10	اااااا	اااااا	PROPN
easat-2774	175	11	.	.	PUNCT
easat-2774	176	1	https://doi.org/10.21608/jces.2023.337517	https://doi.org/10.21608/jces.2023.337517	PROPN
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easat-2774	177	2	12	12	NUM
easat-2774	177	3	]	]	X
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easat-2774	177	5	,	,	PUNCT
easat-2774	177	6	r.	r.	PROPN
easat-2774	177	7	,	,	PUNCT
easat-2774	177	8	dobbs	dobbs	PROPN
easat-2774	177	9	,	,	PUNCT
easat-2774	177	10	r.	r.	PROPN
easat-2774	177	11	,	,	PUNCT
easat-2774	177	12	budiman	budiman	NOUN
easat-2774	177	13	,	,	PUNCT
easat-2774	177	14	a.	a.	NOUN
easat-2774	177	15	,	,	PUNCT
easat-2774	177	16	thompson	thompson	PROPN
easat-2774	177	17	,	,	PUNCT
easat-2774	177	18	f.	f.	PROPN
easat-2774	177	19	,	,	PUNCT
easat-2774	177	20	&	&	CCONJ
easat-2774	177	21	rosse	rosse	PROPN
easat-2774	177	22	,	,	PUNCT
easat-2774	177	23	m.	m.	NOUN
easat-2774	177	24	(	(	PUNCT
easat-2774	177	25	2012	2012	NUM
easat-2774	177	26	)	)	PUNCT
easat-2774	177	27	.	.	PUNCT
easat-2774	178	1	the	the	DET
easat-2774	178	2	archipelago	archipelago	NOUN
easat-2774	178	3	economy	economy	NOUN
easat-2774	178	4	:	:	PUNCT
easat-2774	178	5	unleashing	unleash	VERB
easat-2774	178	6	indonesia	indonesia	PROPN
easat-2774	178	7	’s	’s	PART
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easat-2774	178	9	.	.	PUNCT
easat-2774	179	1	[	[	X
easat-2774	179	2	13	13	NUM
easat-2774	179	3	]	]	PUNCT
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easat-2774	179	5	,	,	PUNCT
easat-2774	179	6	k.	k.	PROPN
easat-2774	179	7	,	,	PUNCT
easat-2774	179	8	ferreira	ferreira	PROPN
easat-2774	179	9	,	,	PUNCT
easat-2774	179	10	c.	c.	PROPN
easat-2774	179	11	,	,	PUNCT
easat-2774	179	12	dordevic	dordevic	PROPN
easat-2774	179	13	,	,	PUNCT
easat-2774	179	14	l.	l.	PROPN
easat-2774	179	15	,	,	PUNCT
easat-2774	179	16	&	&	CCONJ
easat-2774	179	17	kitonga	kitonga	PROPN
easat-2774	179	18	,	,	PUNCT
easat-2774	179	19	m.	m.	NOUN
easat-2774	179	20	(	(	PUNCT
easat-2774	179	21	2021	2021	NUM
easat-2774	179	22	)	)	PUNCT
easat-2774	179	23	.	.	PUNCT
easat-2774	180	1	strengthening	strengthen	VERB
easat-2774	180	2	bank	bank	NOUN
easat-2774	180	3	regulation	regulation	NOUN
easat-2774	180	4	and	and	CCONJ
easat-2774	180	5	supervision	supervision	NOUN
easat-2774	180	6	.	.	PUNCT
easat-2774	181	1	departmental	departmental	ADJ
easat-2774	181	2	papers	paper	NOUN
easat-2774	181	3	,	,	PUNCT
easat-2774	181	4	2021(005	2021(005	NUM
easat-2774	181	5	)	)	PUNCT
easat-2774	181	6	,	,	PUNCT
easat-2774	181	7	1	1	X
easat-2774	181	8	.	.	X
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easat-2774	181	10	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2774	181	11	3601	3601	NUM
easat-2774	181	12	edelweiss	edelweiss	PROPN
easat-2774	181	13	applied	apply	VERB
easat-2774	181	14	science	science	NOUN
easat-2774	181	15	and	and	CCONJ
easat-2774	181	16	technology	technology	NOUN
easat-2774	181	17	issn	issn	PROPN
easat-2774	181	18	:	:	PUNCT
easat-2774	181	19	2576	2576	NUM
easat-2774	181	20	-	-	SYM
easat-2774	181	21	8484	8484	NUM
easat-2774	181	22	vol	vol	NOUN
easat-2774	181	23	.	.	PROPN
easat-2774	181	24	8	8	NUM
easat-2774	181	25	,	,	PUNCT
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easat-2774	181	27	.	.	NOUN
easat-2774	182	1	6	6	NUM
easat-2774	182	2	:	:	SYM
easat-2774	182	3	3589	3589	NUM
easat-2774	182	4	-	-	SYM
easat-2774	182	5	3601	3601	NUM
easat-2774	182	6	,	,	PUNCT
easat-2774	182	7	2024	2024	NUM
easat-2774	182	8	doi	doi	NOUN
easat-2774	182	9	:	:	PUNCT
easat-2774	182	10	10.55214/25768484.v8i6.2774	10.55214/25768484.v8i6.2774	NUM
easat-2774	182	11	©	©	PROPN
easat-2774	182	12	2024	2024	NUM
easat-2774	182	13	by	by	ADP
easat-2774	182	14	the	the	DET
easat-2774	182	15	authors	author	NOUN
easat-2774	182	16	;	;	PUNCT
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easat-2774	182	19	gate	gate	NOUN
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easat-2774	183	2	14	14	NUM
easat-2774	183	3	]	]	PUNCT
easat-2774	183	4	tunji	tunji	NOUN
easat-2774	183	5	,	,	PUNCT
easat-2774	183	6	t.	t.	PROPN
easat-2774	183	7	,	,	PUNCT
easat-2774	183	8	adebayo	adebayo	PROPN
easat-2774	183	9	,	,	PUNCT
easat-2774	183	10	s.	s.	PROPN
easat-2774	183	11	,	,	PUNCT
easat-2774	183	12	&	&	CCONJ
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easat-2774	183	14	,	,	PUNCT
easat-2774	183	15	o.	o.	PROPN
easat-2774	183	16	(	(	PUNCT
easat-2774	183	17	2015	2015	NUM
easat-2774	183	18	)	)	PUNCT
easat-2774	183	19	.	.	PUNCT
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easat-2774	184	8	.	.	PUNCT
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easat-2774	185	6	management	management	NOUN
easat-2774	185	7	review	review	NOUN
easat-2774	185	8	(	(	PUNCT
easat-2774	185	9	nigerian	nigerian	ADJ
easat-2774	185	10	chapter	chapter	NOUN
easat-2774	185	11	,	,	PUNCT
easat-2774	185	12	1(3	1(3	NUM
easat-2774	185	13	)	)	PUNCT
easat-2774	185	14	,	,	PUNCT
easat-2774	185	15	68–80	68–80	NUM
easat-2774	185	16	.	.	PUNCT
easat-2774	186	1	[	[	X
easat-2774	186	2	15	15	NUM
easat-2774	186	3	]	]	X
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easat-2774	186	5	,	,	PUNCT
easat-2774	186	6	v.	v.	PROPN
easat-2774	186	7	,	,	PUNCT
easat-2774	186	8	&	&	CCONJ
easat-2774	186	9	bala	bala	PROPN
easat-2774	186	10	,	,	PUNCT
easat-2774	186	11	h.	h.	PROPN
easat-2774	186	12	(	(	PUNCT
easat-2774	186	13	2008	2008	NUM
easat-2774	186	14	)	)	PUNCT
easat-2774	186	15	.	.	PUNCT
easat-2774	187	1	technology	technology	NOUN
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easat-2774	187	3	model	model	NOUN
easat-2774	187	4	3	3	NUM
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easat-2774	187	6	a	a	DET
easat-2774	187	7	research	research	NOUN
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easat-2774	187	11	.	.	PUNCT
easat-2774	188	1	decision	decision	NOUN
easat-2774	188	2	sciences	science	NOUN
easat-2774	188	3	,	,	PUNCT
easat-2774	188	4	39(2	39(2	NUM
easat-2774	188	5	)	)	PUNCT
easat-2774	188	6	,	,	PUNCT
easat-2774	188	7	273–315	273–315	NUM
easat-2774	188	8	.	.	PUNCT
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easat-2774	189	3	16	16	NUM
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easat-2774	189	9	,	,	PUNCT
easat-2774	189	10	setiaji	setiaji	PROPN
easat-2774	189	11	,	,	PUNCT
easat-2774	189	12	b.	b.	PROPN
easat-2774	189	13	,	,	PUNCT
easat-2774	189	14	&	&	CCONJ
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easat-2774	190	13	.	.	PUNCT
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easat-2774	191	2	journal	journal	NOUN
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easat-2774	191	8	,	,	PUNCT
easat-2774	191	9	45(3	45(3	NUM
easat-2774	191	10	)	)	PUNCT
easat-2774	191	11	,	,	PUNCT
easat-2774	191	12	265	265	NUM
easat-2774	191	13	.	.	PUNCT
easat-2774	192	1	https://doi.org/10.1504/ijesb.2022.122020	https://doi.org/10.1504/ijesb.2022.122020	PROPN
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easat-2774	193	9	,	,	PUNCT
easat-2774	193	10	l.	l.	PROPN
easat-2774	193	11	,	,	PUNCT
easat-2774	193	12	qu	qu	PROPN
easat-2774	193	13	,	,	PUNCT
easat-2774	193	14	y.	y.	PROPN
easat-2774	193	15	,	,	PUNCT
easat-2774	193	16	jin	jin	NOUN
easat-2774	193	17	,	,	PUNCT
easat-2774	193	18	x.	x.	NOUN
easat-2774	193	19	,	,	PUNCT
easat-2774	193	20	&	&	CCONJ
easat-2774	193	21	fang	fang	PROPN
easat-2774	193	22	,	,	PUNCT
easat-2774	193	23	s.	s.	PROPN
easat-2774	193	24	(	(	PUNCT
easat-2774	193	25	2023	2023	NUM
easat-2774	193	26	)	)	PUNCT
easat-2774	193	27	.	.	PUNCT
easat-2774	194	1	mechanism	mechanism	NOUN
easat-2774	194	2	of	of	ADP
easat-2774	194	3	innovation	innovation	NOUN
easat-2774	194	4	and	and	CCONJ
easat-2774	194	5	standardization	standardization	NOUN
easat-2774	194	6	driving	drive	VERB
easat-2774	194	7	company	company	NOUN
easat-2774	194	8	competitiveness	competitiveness	NOUN
easat-2774	194	9	in	in	ADP
easat-2774	194	10	the	the	DET
easat-2774	194	11	digital	digital	ADJ
easat-2774	194	12	economy	economy	NOUN
easat-2774	194	13	.	.	PUNCT
easat-2774	195	1	journal	journal	PROPN
easat-2774	195	2	of	of	ADP
easat-2774	195	3	business	business	NOUN
easat-2774	195	4	economics	economic	NOUN
easat-2774	195	5	and	and	CCONJ
easat-2774	195	6	management	management	NOUN
easat-2774	195	7	,	,	PUNCT
easat-2774	195	8	24(1	24(1	NUM
easat-2774	195	9	)	)	PUNCT
easat-2774	195	10	,	,	PUNCT
easat-2774	195	11	54–73	54–73	NUM
easat-2774	195	12	.	.	PUNCT
easat-2774	196	1	https://doi.org/10.3846/jbem.2023.17192	https://doi.org/10.3846/jbem.2023.17192	PROPN
easat-2774	197	1	[	[	X
easat-2774	197	2	18	18	NUM
easat-2774	197	3	]	]	PUNCT
easat-2774	197	4	yoshino	yoshino	NOUN
easat-2774	197	5	,	,	PUNCT
easat-2774	197	6	n.	n.	NOUN
easat-2774	197	7	,	,	PUNCT
easat-2774	197	8	&	&	CCONJ
easat-2774	197	9	taghizadeh	taghizadeh	PROPN
easat-2774	197	10	-	-	PUNCT
easat-2774	197	11	hesary	hesary	PROPN
easat-2774	197	12	,	,	PUNCT
easat-2774	197	13	f.	f.	PROPN
easat-2774	197	14	(	(	PUNCT
easat-2774	197	15	2019	2019	NUM
easat-2774	197	16	)	)	PUNCT
easat-2774	197	17	.	.	PUNCT
easat-2774	198	1	optimal	optimal	ADJ
easat-2774	198	2	credit	credit	NOUN
easat-2774	198	3	guarantee	guarantee	NOUN
easat-2774	198	4	ratio	ratio	NOUN
easat-2774	198	5	for	for	ADP
easat-2774	198	6	small	small	ADJ
easat-2774	198	7	and	and	CCONJ
easat-2774	198	8	medium	medium	ADJ
easat-2774	198	9	-	-	PUNCT
easat-2774	198	10	sized	sized	ADJ
easat-2774	198	11	enterprises	enterprise	NOUN
easat-2774	198	12	’	'	PUNCT
easat-2774	198	13	financing	financing	NOUN
easat-2774	198	14	:	:	PUNCT
easat-2774	198	15	evidence	evidence	NOUN
easat-2774	198	16	from	from	ADP
easat-2774	198	17	asia	asia	PROPN
easat-2774	198	18	.	.	PUNCT
easat-2774	199	1	economic	economic	ADJ
easat-2774	199	2	analysis	analysis	NOUN
easat-2774	199	3	and	and	CCONJ
easat-2774	199	4	policy	policy	NOUN
easat-2774	199	5	,	,	PUNCT
easat-2774	199	6	62	62	NUM
easat-2774	199	7	,	,	PUNCT
easat-2774	199	8	342–356	342–356	NUM
easat-2774	199	9	.	.	PUNCT
easat-2774	200	1	https://doi.org/10.1016/j.eap.2018.09.011	https://doi.org/10.1016/j.eap.2018.09.011	NOUN