id	sid	tid	token	lemma	pos
easat-5815	1	1	edelweiss	edelweiss	PROPN
easat-5815	1	2	applied	apply	VERB
easat-5815	1	3	science	science	NOUN
easat-5815	1	4	and	and	CCONJ
easat-5815	1	5	technology	technology	NOUN
easat-5815	1	6	issn	issn	PROPN
easat-5815	1	7	:	:	PUNCT
easat-5815	1	8	2576	2576	NUM
easat-5815	1	9	-	-	SYM
easat-5815	1	10	8484	8484	NUM
easat-5815	1	11	vol	vol	NOUN
easat-5815	1	12	.	.	PROPN
easat-5815	2	1	9	9	NUM
easat-5815	2	2	,	,	PUNCT
easat-5815	2	3	no	no	INTJ
easat-5815	2	4	.	.	NOUN
easat-5815	2	5	3	3	NUM
easat-5815	2	6	,	,	PUNCT
easat-5815	2	7	2413	2413	NUM
easat-5815	2	8	-	-	SYM
easat-5815	2	9	2434	2434	NUM
easat-5815	2	10	2025	2025	NUM
easat-5815	2	11	publisher	publisher	NOUN
easat-5815	2	12	:	:	PUNCT
easat-5815	2	13	learning	learn	VERB
easat-5815	2	14	gate	gate	NOUN
easat-5815	2	15	doi	doi	PROPN
easat-5815	2	16	:	:	PUNCT
easat-5815	2	17	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	2	18	©	©	PROPN
easat-5815	2	19	2025	2025	NUM
easat-5815	2	20	by	by	ADP
easat-5815	2	21	the	the	DET
easat-5815	2	22	author	author	NOUN
easat-5815	2	23	;	;	PUNCT
easat-5815	2	24	licensee	licensee	PROPN
easat-5815	2	25	learning	learning	NOUN
easat-5815	2	26	gate	gate	NOUN
easat-5815	3	1	©	©	PROPN
easat-5815	3	2	2025	2025	NUM
easat-5815	3	3	by	by	ADP
easat-5815	3	4	the	the	DET
easat-5815	3	5	author	author	NOUN
easat-5815	3	6	;	;	PUNCT
easat-5815	3	7	licensee	licensee	PROPN
easat-5815	3	8	learning	learning	NOUN
easat-5815	3	9	gate	gate	NOUN
easat-5815	3	10	history	history	NOUN
easat-5815	3	11	:	:	PUNCT
easat-5815	3	12	received	receive	VERB
easat-5815	3	13	:	:	PUNCT
easat-5815	3	14	20	20	NUM
easat-5815	3	15	january	january	NOUN
easat-5815	3	16	2025	2025	NUM
easat-5815	3	17	;	;	PUNCT
easat-5815	3	18	revised	revise	VERB
easat-5815	3	19	:	:	PUNCT
easat-5815	3	20	18	18	NUM
easat-5815	3	21	march	march	NOUN
easat-5815	3	22	2025	2025	NUM
easat-5815	3	23	;	;	PUNCT
easat-5815	3	24	accepted	accept	VERB
easat-5815	3	25	:	:	PUNCT
easat-5815	3	26	22	22	NUM
easat-5815	3	27	march	march	NOUN
easat-5815	3	28	2025	2025	NUM
easat-5815	3	29	;	;	PUNCT
easat-5815	3	30	published	publish	VERB
easat-5815	3	31	:	:	PUNCT
easat-5815	3	32	27	27	NUM
easat-5815	3	33	march	march	NOUN
easat-5815	3	34	2025	2025	NUM
easat-5815	3	35	*	*	PUNCT
easat-5815	3	36	correspondence	correspondence	NOUN
easat-5815	3	37	:	:	PUNCT
easat-5815	3	38	sofyan.halim@mercubuana.ac.id	sofyan.halim@mercubuana.ac.id	PUNCT
easat-5815	3	39	optimizing	optimize	VERB
easat-5815	3	40	sharia	sharia	PROPN
easat-5815	3	41	banking	banking	NOUN
easat-5815	3	42	business	business	NOUN
easat-5815	3	43	units	unit	NOUN
easat-5815	3	44	financial	financial	ADJ
easat-5815	3	45	performance	performance	NOUN
easat-5815	3	46	through	through	ADP
easat-5815	3	47	effective	effective	ADJ
easat-5815	3	48	risk	risk	NOUN
easat-5815	3	49	management	management	NOUN
easat-5815	3	50	sofyan	sofyan	NOUN
easat-5815	3	51	halim1	halim1	PROPN
easat-5815	3	52	*	*	PROPN
easat-5815	3	53	1faculty	1faculty	NUM
easat-5815	3	54	of	of	ADP
easat-5815	3	55	economics	economic	NOUN
easat-5815	3	56	&	&	CCONJ
easat-5815	3	57	business	business	NOUN
easat-5815	3	58	,	,	PUNCT
easat-5815	3	59	mercu	mercu	PROPN
easat-5815	3	60	buana	buana	PROPN
easat-5815	3	61	university	university	PROPN
easat-5815	3	62	,	,	PUNCT
easat-5815	3	63	indonesia	indonesia	PROPN
easat-5815	3	64	;	;	PUNCT
easat-5815	3	65	sofyan.halim@mercubuana.ac.id	sofyan.halim@mercubuana.ac.id	PUNCT
easat-5815	3	66	(	(	PUNCT
easat-5815	3	67	s.h	s.h	PROPN
easat-5815	3	68	.	.	PROPN
easat-5815	3	69	)	)	PUNCT
easat-5815	3	70	.	.	PUNCT
easat-5815	4	1	1postgraduate	1postgraduate	NUM
easat-5815	4	2	of	of	ADP
easat-5815	4	3	doctoral	doctoral	ADJ
easat-5815	4	4	economic	economic	ADJ
easat-5815	4	5	sharia	sharia	PROPN
easat-5815	4	6	of	of	ADP
easat-5815	4	7	ibnu	ibnu	PROPN
easat-5815	4	8	khaldun	khaldun	PROPN
easat-5815	4	9	university	university	PROPN
easat-5815	4	10	,	,	PUNCT
easat-5815	4	11	bogor	bogor	PROPN
easat-5815	4	12	,	,	PUNCT
easat-5815	4	13	indonesia	indonesia	PROPN
easat-5815	4	14	;	;	PUNCT
easat-5815	4	15	sofyanhalim@uika-bogor.ac.id	sofyanhalim@uika-bogor.ac.id	NOUN
easat-5815	4	16	(	(	PUNCT
easat-5815	4	17	s.h	s.h	PROPN
easat-5815	4	18	.	.	PROPN
easat-5815	4	19	)	)	PUNCT
easat-5815	4	20	.	.	PUNCT
easat-5815	5	1	abstract	abstract	ADV
easat-5815	5	2	:	:	PUNCT
easat-5815	5	3	this	this	DET
easat-5815	5	4	study	study	NOUN
easat-5815	5	5	aims	aim	VERB
easat-5815	5	6	to	to	PART
easat-5815	5	7	conduct	conduct	VERB
easat-5815	5	8	research	research	NOUN
easat-5815	5	9	on	on	ADP
easat-5815	5	10	the	the	DET
easat-5815	5	11	impact	impact	NOUN
easat-5815	5	12	of	of	ADP
easat-5815	5	13	financial	financial	ADJ
easat-5815	5	14	arrangements	arrangement	NOUN
easat-5815	5	15	,	,	PUNCT
easat-5815	5	16	operational	operational	ADJ
easat-5815	5	17	costs	cost	NOUN
easat-5815	5	18	,	,	PUNCT
easat-5815	5	19	and	and	CCONJ
easat-5815	5	20	risk	risk	NOUN
easat-5815	5	21	management	management	NOUN
easat-5815	5	22	practices	practice	NOUN
easat-5815	5	23	as	as	ADP
easat-5815	5	24	intervening	intervene	VERB
easat-5815	5	25	factors	factor	NOUN
easat-5815	5	26	on	on	ADP
easat-5815	5	27	financial	financial	ADJ
easat-5815	5	28	performance	performance	NOUN
easat-5815	5	29	in	in	ADP
easat-5815	5	30	sharia	sharia	PROPN
easat-5815	5	31	banking	banking	NOUN
easat-5815	5	32	business	business	NOUN
easat-5815	5	33	units	unit	NOUN
easat-5815	5	34	in	in	ADP
easat-5815	5	35	indonesia	indonesia	PROPN
easat-5815	5	36	.	.	PUNCT
easat-5815	6	1	this	this	DET
easat-5815	6	2	study	study	NOUN
easat-5815	6	3	explores	explore	VERB
easat-5815	6	4	the	the	DET
easat-5815	6	5	complex	complex	ADJ
easat-5815	6	6	relationship	relationship	NOUN
easat-5815	6	7	between	between	ADP
easat-5815	6	8	the	the	DET
easat-5815	6	9	financing	financing	NOUN
easat-5815	6	10	framework	framework	NOUN
easat-5815	6	11	and	and	CCONJ
easat-5815	6	12	operational	operational	ADJ
easat-5815	6	13	efficiency	efficiency	NOUN
easat-5815	6	14	over	over	ADP
easat-5815	6	15	operational	operational	ADJ
easat-5815	6	16	investment	investment	NOUN
easat-5815	6	17	.	.	PUNCT
easat-5815	7	1	additionally	additionally	ADV
easat-5815	7	2	,	,	PUNCT
easat-5815	7	3	this	this	DET
easat-5815	7	4	study	study	NOUN
easat-5815	7	5	examines	examine	VERB
easat-5815	7	6	the	the	DET
easat-5815	7	7	relationship	relationship	NOUN
easat-5815	7	8	between	between	ADP
easat-5815	7	9	risk	risk	NOUN
easat-5815	7	10	management	management	NOUN
easat-5815	7	11	practices	practice	NOUN
easat-5815	7	12	and	and	CCONJ
easat-5815	7	13	financial	financial	ADJ
easat-5815	7	14	results	result	NOUN
easat-5815	7	15	.	.	PUNCT
easat-5815	8	1	this	this	DET
easat-5815	8	2	research	research	NOUN
easat-5815	8	3	contributes	contribute	VERB
easat-5815	8	4	substantively	substantively	ADV
easat-5815	8	5	to	to	ADP
easat-5815	8	6	the	the	DET
easat-5815	8	7	development	development	NOUN
easat-5815	8	8	of	of	ADP
easat-5815	8	9	islamic	islamic	ADJ
easat-5815	8	10	finance	finance	NOUN
easat-5815	8	11	.	.	PUNCT
easat-5815	9	1	the	the	DET
easat-5815	9	2	integration	integration	NOUN
easat-5815	9	3	of	of	ADP
easat-5815	9	4	non	non	ADJ
easat-5815	9	5	-	-	ADJ
easat-5815	9	6	performing	perform	VERB
easat-5815	9	7	financing	financing	NOUN
easat-5815	9	8	variables	variable	NOUN
easat-5815	9	9	and	and	CCONJ
easat-5815	9	10	the	the	DET
easat-5815	9	11	duration	duration	NOUN
easat-5815	9	12	of	of	ADP
easat-5815	9	13	the	the	DET
easat-5815	9	14	research	research	NOUN
easat-5815	9	15	,	,	PUNCT
easat-5815	9	16	which	which	PRON
easat-5815	9	17	spans	span	VERB
easat-5815	9	18	from	from	ADP
easat-5815	9	19	2014	2014	NUM
easat-5815	9	20	to	to	ADP
easat-5815	9	21	2024	2024	NUM
easat-5815	9	22	,	,	PUNCT
easat-5815	9	23	provides	provide	VERB
easat-5815	9	24	strategic	strategic	ADJ
easat-5815	9	25	insights	insight	NOUN
easat-5815	9	26	and	and	CCONJ
easat-5815	9	27	enriches	enrich	VERB
easat-5815	9	28	the	the	DET
easat-5815	9	29	depth	depth	NOUN
easat-5815	9	30	of	of	ADP
easat-5815	9	31	analysis	analysis	NOUN
easat-5815	9	32	.	.	PUNCT
easat-5815	10	1	the	the	DET
easat-5815	10	2	distinguishing	distinguish	VERB
easat-5815	10	3	feature	feature	NOUN
easat-5815	10	4	of	of	ADP
easat-5815	10	5	this	this	DET
easat-5815	10	6	study	study	NOUN
easat-5815	10	7	is	be	AUX
easat-5815	10	8	its	its	PRON
easat-5815	10	9	concentrated	concentrated	ADJ
easat-5815	10	10	focus	focus	NOUN
easat-5815	10	11	on	on	ADP
easat-5815	10	12	sharia	sharia	PROPN
easat-5815	10	13	banking	banking	NOUN
easat-5815	10	14	business	business	NOUN
easat-5815	10	15	units	unit	NOUN
easat-5815	10	16	and	and	CCONJ
easat-5815	10	17	risk	risk	NOUN
easat-5815	10	18	management	management	NOUN
easat-5815	10	19	variables	variable	NOUN
easat-5815	10	20	as	as	ADP
easat-5815	10	21	intervening	intervene	VERB
easat-5815	10	22	factors	factor	NOUN
easat-5815	10	23	,	,	PUNCT
easat-5815	10	24	facilitating	facilitate	VERB
easat-5815	10	25	a	a	DET
easat-5815	10	26	comprehensive	comprehensive	ADJ
easat-5815	10	27	analysis	analysis	NOUN
easat-5815	10	28	.	.	PUNCT
easat-5815	11	1	this	this	DET
easat-5815	11	2	study	study	NOUN
easat-5815	11	3	employs	employ	VERB
easat-5815	11	4	multiple	multiple	ADJ
easat-5815	11	5	linear	linear	ADJ
easat-5815	11	6	regression	regression	NOUN
easat-5815	11	7	analysis	analysis	NOUN
easat-5815	11	8	to	to	PART
easat-5815	11	9	assess	assess	VERB
easat-5815	11	10	the	the	DET
easat-5815	11	11	effect	effect	NOUN
easat-5815	11	12	of	of	ADP
easat-5815	11	13	risk	risk	NOUN
easat-5815	11	14	management	management	NOUN
easat-5815	11	15	mediation	mediation	NOUN
easat-5815	11	16	on	on	ADP
easat-5815	11	17	the	the	DET
easat-5815	11	18	relationship	relationship	NOUN
easat-5815	11	19	between	between	ADP
easat-5815	11	20	operational	operational	ADJ
easat-5815	11	21	efficiency	efficiency	NOUN
easat-5815	11	22	and	and	CCONJ
easat-5815	11	23	financial	financial	ADJ
easat-5815	11	24	performance	performance	NOUN
easat-5815	11	25	.	.	PUNCT
easat-5815	12	1	the	the	DET
easat-5815	12	2	results	result	NOUN
easat-5815	12	3	of	of	ADP
easat-5815	12	4	the	the	DET
easat-5815	12	5	study	study	NOUN
easat-5815	12	6	highlight	highlight	VERB
easat-5815	12	7	the	the	DET
easat-5815	12	8	importance	importance	NOUN
easat-5815	12	9	of	of	ADP
easat-5815	12	10	operational	operational	ADJ
easat-5815	12	11	efficiency	efficiency	NOUN
easat-5815	12	12	and	and	CCONJ
easat-5815	12	13	risk	risk	NOUN
easat-5815	12	14	management	management	NOUN
easat-5815	12	15	in	in	ADP
easat-5815	12	16	improving	improve	VERB
easat-5815	12	17	financial	financial	ADJ
easat-5815	12	18	performance	performance	NOUN
easat-5815	12	19	.	.	PUNCT
easat-5815	13	1	empirical	empirical	ADJ
easat-5815	13	2	evidence	evidence	NOUN
easat-5815	13	3	corroborates	corroborate	VERB
easat-5815	13	4	a	a	DET
easat-5815	13	5	significant	significant	ADJ
easat-5815	13	6	correlation	correlation	NOUN
easat-5815	13	7	between	between	ADP
easat-5815	13	8	financing	financing	NOUN
easat-5815	13	9	strategies	strategy	NOUN
easat-5815	13	10	and	and	CCONJ
easat-5815	13	11	the	the	DET
easat-5815	13	12	relationship	relationship	NOUN
easat-5815	13	13	between	between	ADP
easat-5815	13	14	operational	operational	ADJ
easat-5815	13	15	efficiency	efficiency	NOUN
easat-5815	13	16	,	,	PUNCT
easat-5815	13	17	risk	risk	NOUN
easat-5815	13	18	management	management	NOUN
easat-5815	13	19	,	,	PUNCT
easat-5815	13	20	and	and	CCONJ
easat-5815	13	21	financial	financial	ADJ
easat-5815	13	22	outcomes	outcome	NOUN
easat-5815	13	23	.	.	PUNCT
easat-5815	14	1	furthermore	furthermore	ADV
easat-5815	14	2	,	,	PUNCT
easat-5815	14	3	this	this	DET
easat-5815	14	4	study	study	NOUN
easat-5815	14	5	supports	support	VERB
easat-5815	14	6	a	a	DET
easat-5815	14	7	theoretical	theoretical	ADJ
easat-5815	14	8	framework	framework	NOUN
easat-5815	14	9	that	that	PRON
easat-5815	14	10	interconnects	interconnect	VERB
easat-5815	14	11	these	these	DET
easat-5815	14	12	variables	variable	NOUN
easat-5815	14	13	,	,	PUNCT
easat-5815	14	14	ensuring	ensure	VERB
easat-5815	14	15	that	that	SCONJ
easat-5815	14	16	the	the	DET
easat-5815	14	17	results	result	NOUN
easat-5815	14	18	of	of	ADP
easat-5815	14	19	the	the	DET
easat-5815	14	20	analysis	analysis	NOUN
easat-5815	14	21	have	have	VERB
easat-5815	14	22	direct	direct	ADJ
easat-5815	14	23	and	and	CCONJ
easat-5815	14	24	indirect	indirect	ADJ
easat-5815	14	25	implications	implication	NOUN
easat-5815	14	26	for	for	ADP
easat-5815	14	27	risk	risk	NOUN
easat-5815	14	28	management	management	NOUN
easat-5815	14	29	variables	variable	NOUN
easat-5815	14	30	as	as	ADP
easat-5815	14	31	intervening	intervene	VERB
easat-5815	14	32	factors	factor	NOUN
easat-5815	14	33	,	,	PUNCT
easat-5815	14	34	while	while	SCONJ
easat-5815	14	35	offering	offer	VERB
easat-5815	14	36	significant	significant	ADJ
easat-5815	14	37	insights	insight	NOUN
easat-5815	14	38	for	for	ADP
easat-5815	14	39	policymakers	policymaker	NOUN
easat-5815	14	40	and	and	CCONJ
easat-5815	14	41	practitioners	practitioner	NOUN
easat-5815	14	42	involved	involve	VERB
easat-5815	14	43	in	in	ADP
easat-5815	14	44	the	the	DET
easat-5815	14	45	domain	domain	NOUN
easat-5815	14	46	of	of	ADP
easat-5815	14	47	sharia	sharia	PROPN
easat-5815	14	48	banking	banking	PROPN
easat-5815	14	49	business	business	NOUN
easat-5815	14	50	units	unit	NOUN
easat-5815	14	51	.	.	PUNCT
easat-5815	15	1	keywords	keyword	NOUN
easat-5815	15	2	:	:	PUNCT
easat-5815	15	3	financing	financing	NOUN
easat-5815	15	4	,	,	PUNCT
easat-5815	15	5	operational	operational	ADJ
easat-5815	15	6	cost	cost	NOUN
easat-5815	15	7	,	,	PUNCT
easat-5815	15	8	return	return	VERB
easat-5815	15	9	on	on	ADP
easat-5815	15	10	assets	asset	NOUN
easat-5815	15	11	,	,	PUNCT
easat-5815	15	12	risk	risk	NOUN
easat-5815	15	13	management	management	NOUN
easat-5815	15	14	,	,	PUNCT
easat-5815	15	15	sharia	sharia	PROPN
easat-5815	15	16	business	business	PROPN
easat-5815	15	17	unit	unit	NOUN
easat-5815	15	18	.	.	PUNCT
easat-5815	16	1	1	1	X
easat-5815	16	2	.	.	X
easat-5815	16	3	introduction	introduction	NOUN
easat-5815	16	4	1.1	1.1	NUM
easat-5815	16	5	.	.	PUNCT
easat-5815	17	1	background	background	NOUN
easat-5815	17	2	one	one	NUM
easat-5815	17	3	of	of	ADP
easat-5815	17	4	the	the	DET
easat-5815	17	5	primary	primary	ADJ
easat-5815	17	6	operational	operational	ADJ
easat-5815	17	7	functions	function	NOUN
easat-5815	17	8	of	of	ADP
easat-5815	17	9	banks	bank	NOUN
easat-5815	17	10	,	,	PUNCT
easat-5815	17	11	including	include	VERB
easat-5815	17	12	sharia	sharia	PROPN
easat-5815	17	13	banks	banks	PROPN
easat-5815	17	14	business	business	NOUN
easat-5815	17	15	units	unit	NOUN
easat-5815	17	16	,	,	PUNCT
easat-5815	17	17	which	which	PRON
easat-5815	17	18	are	be	AUX
easat-5815	17	19	mandated	mandate	VERB
easat-5815	17	20	by	by	ADP
easat-5815	17	21	law	law	NOUN
easat-5815	17	22	number	number	NOUN
easat-5815	17	23	9	9	NUM
easat-5815	17	24	of	of	ADP
easat-5815	17	25	1998	1998	NUM
easat-5815	17	26	concerning	concern	VERB
easat-5815	17	27	banking	banking	NOUN
easat-5815	17	28	[	[	X
easat-5815	17	29	1	1	X
easat-5815	17	30	]	]	PUNCT
easat-5815	17	31	in	in	ADP
easat-5815	17	32	accordance	accordance	NOUN
easat-5815	17	33	with	with	ADP
easat-5815	17	34	banking	banking	NOUN
easat-5815	17	35	law	law	NOUN
easat-5815	17	36	and	and	CCONJ
easat-5815	17	37	law	law	NOUN
easat-5815	17	38	number	number	NOUN
easat-5815	17	39	21	21	NUM
easat-5815	17	40	of	of	ADP
easat-5815	17	41	2008	2008	NUM
easat-5815	17	42	concerning	concern	VERB
easat-5815	17	43	sharia	sharia	PROPN
easat-5815	17	44	banking	banking	NOUN
easat-5815	17	45	[	[	X
easat-5815	17	46	2	2	X
easat-5815	17	47	]	]	PUNCT
easat-5815	17	48	on	on	ADP
easat-5815	17	49	islamic	islamic	ADJ
easat-5815	17	50	banking	banking	PROPN
easat-5815	17	51	,	,	PUNCT
easat-5815	17	52	sharia	sharia	PROPN
easat-5815	17	53	banks	bank	NOUN
easat-5815	17	54	,	,	PUNCT
easat-5815	17	55	and	and	CCONJ
easat-5815	17	56	sharia	sharia	PROPN
easat-5815	17	57	business	business	NOUN
easat-5815	17	58	units	unit	NOUN
easat-5815	17	59	are	be	AUX
easat-5815	17	60	recognized	recognize	VERB
easat-5815	17	61	as	as	ADP
easat-5815	17	62	financial	financial	ADJ
easat-5815	17	63	intermediary	intermediary	ADJ
easat-5815	17	64	institutions	institution	NOUN
easat-5815	17	65	.	.	PUNCT
easat-5815	18	1	their	their	PRON
easat-5815	18	2	primary	primary	ADJ
easat-5815	18	3	objective	objective	NOUN
easat-5815	18	4	is	be	AUX
easat-5815	18	5	to	to	PART
easat-5815	18	6	stimulate	stimulate	VERB
easat-5815	18	7	economic	economic	ADJ
easat-5815	18	8	growth	growth	NOUN
easat-5815	18	9	,	,	PUNCT
easat-5815	18	10	in	in	ADP
easat-5815	18	11	compliance	compliance	NOUN
easat-5815	18	12	with	with	ADP
easat-5815	18	13	sharia	sharia	PROPN
easat-5815	18	14	tenets	tenet	NOUN
easat-5815	18	15	,	,	PUNCT
easat-5815	18	16	by	by	ADP
easat-5815	18	17	mobilizing	mobilize	VERB
easat-5815	18	18	public	public	ADJ
easat-5815	18	19	funds	fund	NOUN
easat-5815	18	20	and	and	CCONJ
easat-5815	18	21	extending	extend	VERB
easat-5815	18	22	financing	financing	NOUN
easat-5815	18	23	.	.	PUNCT
easat-5815	19	1	sharia	sharia	PROPN
easat-5815	19	2	banks	bank	NOUN
easat-5815	19	3	'	'	PART
easat-5815	19	4	operations	operation	NOUN
easat-5815	19	5	involve	involve	VERB
easat-5815	19	6	collecting	collect	VERB
easat-5815	19	7	funds	fund	NOUN
easat-5815	19	8	through	through	ADP
easat-5815	19	9	various	various	ADJ
easat-5815	19	10	deposit	deposit	NOUN
easat-5815	19	11	channels	channel	NOUN
easat-5815	19	12	and	and	CCONJ
easat-5815	19	13	also	also	ADV
easat-5815	19	14	savings	saving	NOUN
easat-5815	19	15	accounts	account	NOUN
easat-5815	19	16	and	and	CCONJ
easat-5815	19	17	channeling	channel	VERB
easat-5815	19	18	financing	financing	NOUN
easat-5815	19	19	to	to	PART
easat-5815	19	20	promote	promote	VERB
easat-5815	19	21	community	community	NOUN
easat-5815	19	22	economic	economic	ADJ
easat-5815	19	23	activities	activity	NOUN
easat-5815	19	24	.	.	PUNCT
easat-5815	20	1	specifically	specifically	ADV
easat-5815	20	2	,	,	PUNCT
easat-5815	20	3	the	the	DET
easat-5815	20	4	business	business	NOUN
easat-5815	20	5	activities	activity	NOUN
easat-5815	20	6	of	of	ADP
easat-5815	20	7	sharia	sharia	PROPN
easat-5815	20	8	business	business	NOUN
easat-5815	20	9	units	unit	NOUN
easat-5815	20	10	are	be	AUX
easat-5815	20	11	governed	govern	VERB
easat-5815	20	12	by	by	ADP
easat-5815	20	13	law	law	NOUN
easat-5815	20	14	number	number	NOUN
easat-5815	20	15	21	21	NUM
easat-5815	20	16	of	of	ADP
easat-5815	20	17	2008	2008	NUM
easat-5815	20	18	concerning	concern	VERB
easat-5815	20	19	sharia	sharia	PROPN
easat-5815	20	20	banking	banking	NOUN
easat-5815	21	1	[	[	X
easat-5815	21	2	2	2	X
easat-5815	21	3	]	]	PUNCT
easat-5815	21	4	specifically	specifically	ADV
easat-5815	21	5	article	article	NOUN
easat-5815	21	6	19(2	19(2	NUM
easat-5815	21	7	)	)	PUNCT
easat-5815	21	8	.	.	PUNCT
easat-5815	22	1	these	these	DET
easat-5815	22	2	activities	activity	NOUN
easat-5815	22	3	include	include	VERB
easat-5815	22	4	:	:	PUNCT
easat-5815	22	5	1	1	X
easat-5815	22	6	)	)	PUNCT
easat-5815	22	7	fundraising	fundraising	NOUN
easat-5815	22	8	activities	activity	NOUN
easat-5815	22	9	:	:	PUNCT
easat-5815	22	10	sharia	sharia	PROPN
easat-5815	22	11	business	business	NOUN
easat-5815	22	12	units	unit	NOUN
easat-5815	22	13	collect	collect	VERB
easat-5815	22	14	funds	fund	NOUN
easat-5815	22	15	through	through	ADP
easat-5815	22	16	deposits	deposit	NOUN
easat-5815	22	17	and	and	CCONJ
easat-5815	22	18	investments	investment	NOUN
easat-5815	22	19	based	base	VERB
easat-5815	22	20	on	on	ADP
easat-5815	22	21	sharia	sharia	PROPN
easat-5815	22	22	contracts	contract	NOUN
easat-5815	22	23	.	.	PUNCT
easat-5815	23	1	this	this	PRON
easat-5815	23	2	involves	involve	VERB
easat-5815	23	3	mechanisms	mechanism	NOUN
easat-5815	23	4	such	such	ADJ
easat-5815	23	5	as	as	ADP
easat-5815	23	6	wadi'ah	wadi'ah	NOUN
easat-5815	23	7	(	(	PUNCT
easat-5815	23	8	safekeeping	safekeeping	NOUN
easat-5815	23	9	)	)	PUNCT
easat-5815	23	10	and	and	CCONJ
easat-5815	23	11	mudharaba	mudharaba	NOUN
easat-5815	23	12	(	(	PUNCT
easat-5815	23	13	profit	profit	NOUN
easat-5815	23	14	-	-	PUNCT
easat-5815	23	15	sharing	sharing	NOUN
easat-5815	23	16	)	)	PUNCT
easat-5815	23	17	contracts	contract	NOUN
easat-5815	23	18	.	.	PUNCT
easat-5815	24	1	https://orcid.org/0000-0002-7510-4475	https://orcid.org/0000-0002-7510-4475	PROPN
easat-5815	24	2	2414	2414	NUM
easat-5815	24	3	edelweiss	edelweiss	PROPN
easat-5815	24	4	applied	apply	VERB
easat-5815	24	5	science	science	NOUN
easat-5815	24	6	and	and	CCONJ
easat-5815	24	7	technology	technology	NOUN
easat-5815	24	8	issn	issn	PROPN
easat-5815	24	9	:	:	PUNCT
easat-5815	24	10	2576	2576	NUM
easat-5815	24	11	-	-	SYM
easat-5815	24	12	8484	8484	NUM
easat-5815	24	13	vol	vol	NOUN
easat-5815	24	14	.	.	PROPN
easat-5815	25	1	9	9	NUM
easat-5815	25	2	,	,	PUNCT
easat-5815	25	3	no	no	INTJ
easat-5815	25	4	.	.	NOUN
easat-5815	26	1	3	3	NUM
easat-5815	26	2	:	:	SYM
easat-5815	26	3	2413	2413	NUM
easat-5815	26	4	-	-	SYM
easat-5815	26	5	2434	2434	NUM
easat-5815	26	6	,	,	PUNCT
easat-5815	26	7	2025	2025	NUM
easat-5815	26	8	doi	doi	NOUN
easat-5815	26	9	:	:	PUNCT
easat-5815	26	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	26	11	©	©	PROPN
easat-5815	26	12	2025	2025	NUM
easat-5815	26	13	by	by	ADP
easat-5815	26	14	the	the	DET
easat-5815	26	15	author	author	NOUN
easat-5815	26	16	;	;	PUNCT
easat-5815	26	17	licensee	licensee	PROPN
easat-5815	26	18	learning	learning	NOUN
easat-5815	26	19	gate	gate	NOUN
easat-5815	26	20	2	2	NUM
easat-5815	26	21	)	)	PUNCT
easat-5815	26	22	investment	investment	NOUN
easat-5815	26	23	instruments	instrument	NOUN
easat-5815	26	24	:	:	PUNCT
easat-5815	26	25	funds	fund	NOUN
easat-5815	26	26	are	be	AUX
easat-5815	26	27	raised	raise	VERB
easat-5815	26	28	using	use	VERB
easat-5815	26	29	deposit	deposit	NOUN
easat-5815	26	30	and	and	CCONJ
easat-5815	26	31	investment	investment	NOUN
easat-5815	26	32	instruments	instrument	NOUN
easat-5815	26	33	that	that	PRON
easat-5815	26	34	strictly	strictly	ADV
easat-5815	26	35	adhere	adhere	VERB
easat-5815	26	36	to	to	ADP
easat-5815	26	37	sharia	sharia	PROPN
easat-5815	26	38	principles	principle	NOUN
easat-5815	26	39	.	.	PUNCT
easat-5815	27	1	3	3	X
easat-5815	27	2	)	)	PUNCT
easat-5815	27	3	financing	financing	NOUN
easat-5815	27	4	activities	activity	NOUN
easat-5815	27	5	:	:	PUNCT
easat-5815	27	6	sharia	sharia	PROPN
easat-5815	27	7	business	business	NOUN
easat-5815	27	8	units	unit	NOUN
easat-5815	27	9	implement	implement	VERB
easat-5815	27	10	various	various	ADJ
easat-5815	27	11	financing	financing	NOUN
easat-5815	27	12	contracts	contract	NOUN
easat-5815	27	13	,	,	PUNCT
easat-5815	27	14	including	include	VERB
easat-5815	27	15	mudharaba	mudharaba	NOUN
easat-5815	27	16	(	(	PUNCT
easat-5815	27	17	profit	profit	NOUN
easat-5815	27	18	-	-	PUNCT
easat-5815	27	19	sharing	sharing	NOUN
easat-5815	27	20	)	)	PUNCT
easat-5815	27	21	,	,	PUNCT
easat-5815	27	22	musyaraka	musyaraka	X
easat-5815	27	23	(	(	PUNCT
easat-5815	27	24	partnership	partnership	NOUN
easat-5815	27	25	)	)	PUNCT
easat-5815	27	26	,	,	PUNCT
easat-5815	27	27	murabaha	murabaha	INTJ
easat-5815	27	28	(	(	PUNCT
easat-5815	27	29	cost	cost	NOUN
easat-5815	27	30	-	-	PUNCT
easat-5815	27	31	plus	plus	CCONJ
easat-5815	27	32	financing	financing	NOUN
easat-5815	27	33	)	)	PUNCT
easat-5815	27	34	,	,	PUNCT
easat-5815	27	35	salam	salam	PROPN
easat-5815	27	36	(	(	PUNCT
easat-5815	27	37	forward	forward	ADJ
easat-5815	27	38	sale	sale	NOUN
easat-5815	27	39	)	)	PUNCT
easat-5815	27	40	,	,	PUNCT
easat-5815	27	41	istishna	istishna	PROPN
easat-5815	27	42	'	'	PART
easat-5815	27	43	(	(	PUNCT
easat-5815	27	44	manufacturing	manufacture	VERB
easat-5815	27	45	contract	contract	NOUN
easat-5815	27	46	)	)	PUNCT
easat-5815	27	47	,	,	PUNCT
easat-5815	27	48	and	and	CCONJ
easat-5815	27	49	qardh	qardh	PROPN
easat-5815	27	50	(	(	PUNCT
easat-5815	27	51	benevolent	benevolent	ADJ
easat-5815	27	52	loan	loan	NOUN
easat-5815	27	53	)	)	PUNCT
easat-5815	27	54	.	.	PUNCT
easat-5815	28	1	these	these	DET
easat-5815	28	2	financing	financing	NOUN
easat-5815	28	3	activities	activity	NOUN
easat-5815	28	4	embody	embody	VERB
easat-5815	28	5	principles	principle	NOUN
easat-5815	28	6	of	of	ADP
easat-5815	28	7	fairness	fairness	NOUN
easat-5815	28	8	and	and	CCONJ
easat-5815	28	9	transparency	transparency	NOUN
easat-5815	28	10	.	.	PUNCT
easat-5815	29	1	4	4	X
easat-5815	29	2	)	)	PUNCT
easat-5815	29	3	debt	debt	NOUN
easat-5815	29	4	management	management	NOUN
easat-5815	29	5	and	and	CCONJ
easat-5815	29	6	services	service	NOUN
easat-5815	29	7	:	:	PUNCT
easat-5815	29	8	sharia	sharia	PROPN
easat-5815	29	9	business	business	NOUN
easat-5815	29	10	units	unit	NOUN
easat-5815	29	11	manage	manage	VERB
easat-5815	29	12	debt	debt	NOUN
easat-5815	29	13	through	through	ADP
easat-5815	29	14	the	the	DET
easat-5815	29	15	hawalah	hawalah	NOUN
easat-5815	29	16	(	(	PUNCT
easat-5815	29	17	debt	debt	NOUN
easat-5815	29	18	transfer	transfer	NOUN
easat-5815	29	19	)	)	PUNCT
easat-5815	29	20	agreement	agreement	NOUN
easat-5815	29	21	and	and	CCONJ
easat-5815	29	22	offer	offer	VERB
easat-5815	29	23	services	service	NOUN
easat-5815	29	24	such	such	ADJ
easat-5815	29	25	as	as	ADP
easat-5815	29	26	debit	debit	NOUN
easat-5815	29	27	cards	card	NOUN
easat-5815	29	28	and	and	CCONJ
easat-5815	29	29	sharia	sharia	NOUN
easat-5815	29	30	-	-	PUNCT
easat-5815	29	31	compliant	compliant	ADJ
easat-5815	29	32	financing	financing	NOUN
easat-5815	29	33	.	.	PUNCT
easat-5815	30	1	all	all	DET
easat-5815	30	2	debt	debt	NOUN
easat-5815	30	3	management	management	NOUN
easat-5815	30	4	and	and	CCONJ
easat-5815	30	5	card	card	NOUN
easat-5815	30	6	-	-	PUNCT
easat-5815	30	7	related	relate	VERB
easat-5815	30	8	services	service	NOUN
easat-5815	30	9	comply	comply	VERB
easat-5815	30	10	with	with	ADP
easat-5815	30	11	sharia	sharia	PROPN
easat-5815	30	12	principles	principle	NOUN
easat-5815	30	13	.	.	PUNCT
easat-5815	31	1	5	5	X
easat-5815	31	2	)	)	PUNCT
easat-5815	31	3	sharia	sharia	PROPN
easat-5815	31	4	securities	security	NOUN
easat-5815	31	5	transactions	transaction	NOUN
easat-5815	31	6	:	:	PUNCT
easat-5815	31	7	these	these	DET
easat-5815	31	8	transactions	transaction	NOUN
easat-5815	31	9	adhere	adhere	VERB
easat-5815	31	10	to	to	ADP
easat-5815	31	11	sharia	sharia	PROPN
easat-5815	31	12	principles	principle	NOUN
easat-5815	31	13	,	,	PUNCT
easat-5815	31	14	emphasizing	emphasize	VERB
easat-5815	31	15	justice	justice	NOUN
easat-5815	31	16	and	and	CCONJ
easat-5815	31	17	honesty	honesty	NOUN
easat-5815	31	18	.	.	PUNCT
easat-5815	32	1	the	the	DET
easat-5815	32	2	management	management	NOUN
easat-5815	32	3	of	of	ADP
easat-5815	32	4	sharia	sharia	PROPN
easat-5815	32	5	securities	securities	PROPN
easat-5815	32	6	is	be	AUX
easat-5815	32	7	conducted	conduct	VERB
easat-5815	32	8	in	in	ADP
easat-5815	32	9	compliance	compliance	NOUN
easat-5815	32	10	with	with	ADP
easat-5815	32	11	both	both	PRON
easat-5815	32	12	sharia	sharia	PROPN
easat-5815	32	13	principles	principle	NOUN
easat-5815	32	14	and	and	CCONJ
easat-5815	32	15	applicable	applicable	ADJ
easat-5815	32	16	regulations	regulation	NOUN
easat-5815	32	17	.	.	PUNCT
easat-5815	33	1	6	6	X
easat-5815	33	2	)	)	PUNCT
easat-5815	33	3	custody	custody	NOUN
easat-5815	33	4	and	and	CCONJ
easat-5815	33	5	transfer	transfer	NOUN
easat-5815	33	6	services	service	NOUN
easat-5815	33	7	:	:	PUNCT
easat-5815	33	8	sharia	sharia	PROPN
easat-5815	33	9	business	business	NOUN
easat-5815	33	10	units	unit	NOUN
easat-5815	33	11	provide	provide	VERB
easat-5815	33	12	services	service	NOUN
easat-5815	33	13	for	for	ADP
easat-5815	33	14	the	the	DET
easat-5815	33	15	safekeeping	safekeeping	NOUN
easat-5815	33	16	,	,	PUNCT
easat-5815	33	17	transfer	transfer	NOUN
easat-5815	33	18	,	,	PUNCT
easat-5815	33	19	and	and	CCONJ
easat-5815	33	20	management	management	NOUN
easat-5815	33	21	of	of	ADP
easat-5815	33	22	guarantees	guarantee	NOUN
easat-5815	33	23	based	base	VERB
easat-5815	33	24	on	on	ADP
easat-5815	33	25	principles	principle	NOUN
easat-5815	33	26	of	of	ADP
easat-5815	33	27	sharia	sharia	PROPN
easat-5815	33	28	justice	justice	PROPN
easat-5815	33	29	and	and	CCONJ
easat-5815	33	30	honesty	honesty	NOUN
easat-5815	33	31	.	.	PUNCT
easat-5815	34	1	7	7	X
easat-5815	34	2	)	)	PUNCT
easat-5815	34	3	social	social	ADJ
easat-5815	34	4	and	and	CCONJ
easat-5815	34	5	other	other	ADJ
easat-5815	34	6	banking	banking	NOUN
easat-5815	34	7	activities	activity	NOUN
easat-5815	34	8	:	:	PUNCT
easat-5815	34	9	in	in	ADP
easat-5815	34	10	addition	addition	NOUN
easat-5815	34	11	to	to	ADP
easat-5815	34	12	banking	banking	NOUN
easat-5815	34	13	activities	activity	NOUN
easat-5815	34	14	,	,	PUNCT
easat-5815	34	15	sharia	sharia	PROPN
easat-5815	34	16	business	business	NOUN
easat-5815	34	17	units	unit	NOUN
easat-5815	34	18	also	also	ADV
easat-5815	34	19	engage	engage	VERB
easat-5815	34	20	in	in	ADP
easat-5815	34	21	social	social	ADJ
easat-5815	34	22	initiatives	initiative	NOUN
easat-5815	34	23	as	as	ADP
easat-5815	34	24	part	part	NOUN
easat-5815	34	25	of	of	ADP
easat-5815	34	26	their	their	PRON
easat-5815	34	27	commitment	commitment	NOUN
easat-5815	34	28	to	to	ADP
easat-5815	34	29	sharia	sharia	PROPN
easat-5815	34	30	principles	principle	NOUN
easat-5815	34	31	and	and	CCONJ
easat-5815	34	32	legal	legal	ADJ
easat-5815	34	33	compliance	compliance	NOUN
easat-5815	34	34	.	.	PUNCT
easat-5815	35	1	indonesia	indonesia	PROPN
easat-5815	35	2	's	's	PART
easat-5815	35	3	islamic	islamic	ADJ
easat-5815	35	4	banking	banking	NOUN
easat-5815	35	5	industry	industry	NOUN
easat-5815	35	6	growth	growth	NOUN
easat-5815	35	7	is	be	AUX
easat-5815	35	8	exemplified	exemplify	VERB
easat-5815	35	9	by	by	ADP
easat-5815	35	10	the	the	DET
easat-5815	35	11	rapid	rapid	ADJ
easat-5815	35	12	development	development	NOUN
easat-5815	35	13	of	of	ADP
easat-5815	35	14	sharia	sharia	PROPN
easat-5815	35	15	business	business	PROPN
easat-5815	35	16	units	unit	NOUN
easat-5815	35	17	.	.	PUNCT
easat-5815	36	1	table	table	NOUN
easat-5815	36	2	1	1	NUM
easat-5815	36	3	demonstrates	demonstrate	VERB
easat-5815	36	4	the	the	DET
easat-5815	36	5	consistent	consistent	ADJ
easat-5815	36	6	operational	operational	ADJ
easat-5815	36	7	expansion	expansion	NOUN
easat-5815	36	8	of	of	ADP
easat-5815	36	9	sharia	sharia	PROPN
easat-5815	36	10	business	business	NOUN
easat-5815	36	11	units	unit	NOUN
easat-5815	36	12	,	,	PUNCT
easat-5815	36	13	based	base	VERB
easat-5815	36	14	on	on	ADP
easat-5815	36	15	ojk	ojk	NOUN
easat-5815	36	16	's	's	PART
easat-5815	36	17	data	datum	NOUN
easat-5815	36	18	analysis	analysis	NOUN
easat-5815	36	19	table	table	NOUN
easat-5815	36	20	1	1	NUM
easat-5815	36	21	.	.	PUNCT
easat-5815	36	22	growth	growth	NOUN
easat-5815	36	23	of	of	ADP
easat-5815	36	24	sharia	sharia	PROPN
easat-5815	36	25	business	business	PROPN
easat-5815	36	26	unit	unit	NOUN
easat-5815	36	27	/	/	SYM
easat-5815	36	28	islamic	islamic	PROPN
easat-5815	36	29	business	business	NOUN
easat-5815	36	30	unit	unit	NOUN
easat-5815	36	31	.	.	PUNCT
easat-5815	37	1	indicators	indicator	NOUN
easat-5815	37	2	2014	2014	NUM
easat-5815	37	3	2015	2015	NUM
easat-5815	37	4	2016	2016	NUM
easat-5815	37	5	2017	2017	NUM
easat-5815	37	6	2018	2018	NUM
easat-5815	37	7	2019	2019	NUM
easat-5815	37	8	2020	2020	NUM
easat-5815	37	9	2021	2021	NUM
easat-5815	37	10	2022	2022	NUM
easat-5815	37	11	2023	2023	NUM
easat-5815	37	12	total	total	ADJ
easat-5815	37	13	assets	asset	NOUN
easat-5815	37	14	(	(	PUNCT
easat-5815	37	15	in	in	ADP
easat-5815	37	16	billion	billion	NUM
easat-5815	37	17	idr	idr	NOUN
easat-5815	37	18	)	)	PUNCT
easat-5815	37	19	67.383	67.383	NUM
easat-5815	37	20	82.839	82.839	NUM
easat-5815	37	21	102.320	102.320	NUM
easat-5815	37	22	136.154	136.154	NUM
easat-5815	37	23	160.636	160.636	NUM
easat-5815	37	24	174.200	174.200	NUM
easat-5815	37	25	196.875	196.875	NUM
easat-5815	37	26	234.947	234.947	NUM
easat-5815	37	27	250.240	250.240	NUM
easat-5815	37	28	274.277	274.277	NUM
easat-5815	37	29	banks	bank	NOUN
easat-5815	37	30	with	with	ADP
easat-5815	37	31	shariacompliant	shariacompliant	ADJ
easat-5815	37	32	business	business	NOUN
easat-5815	37	33	units	unit	NOUN
easat-5815	37	34	22	22	NUM
easat-5815	37	35	22	22	NUM
easat-5815	37	36	21	21	NUM
easat-5815	37	37	21	21	NUM
easat-5815	37	38	20	20	NUM
easat-5815	37	39	20	20	NUM
easat-5815	37	40	20	20	NUM
easat-5815	37	41	21	21	NUM
easat-5815	37	42	20	20	NUM
easat-5815	37	43	20	20	NUM
easat-5815	37	44	jumlah	jumlah	PROPN
easat-5815	37	45	kantor	kantor	PROPN
easat-5815	37	46	uus	uus	PROPN
easat-5815	37	47	/	/	SYM
easat-5815	37	48	number	number	NOUN
easat-5815	37	49	of	of	ADP
easat-5815	37	50	offices	office	NOUN
easat-5815	37	51	320	320	NUM
easat-5815	37	52	311	311	NUM
easat-5815	37	53	332	332	NUM
easat-5815	37	54	344	344	NUM
easat-5815	37	55	354	354	NUM
easat-5815	37	56	381	381	NUM
easat-5815	37	57	392	392	NUM
easat-5815	37	58	444	444	NUM
easat-5815	37	59	438	438	NUM
easat-5815	37	60	426	426	NUM
easat-5815	37	61	kc	kc	PROPN
easat-5815	37	62	/	/	PUNCT
easat-5815	37	63	branch	branch	NOUN
easat-5815	37	64	officess	officess	NOUN
easat-5815	37	65	138	138	NUM
easat-5815	37	66	138	138	NUM
easat-5815	37	67	149	149	NUM
easat-5815	37	68	154	154	NUM
easat-5815	37	69	153	153	NUM
easat-5815	37	70	160	160	NUM
easat-5815	37	71	162	162	NUM
easat-5815	37	72	178r	178r	PROPN
easat-5815	37	73	180	180	NUM
easat-5815	37	74	190	190	NUM
easat-5815	37	75	kcp	kcp	PROPN
easat-5815	37	76	/	/	SYM
easat-5815	37	77	sub	sub	NOUN
easat-5815	37	78	branch	branch	NOUN
easat-5815	37	79	offices	office	NOUN
easat-5815	37	80	140	140	NUM
easat-5815	37	81	129	129	NUM
easat-5815	37	82	135	135	NUM
easat-5815	37	83	139	139	NUM
easat-5815	37	84	146	146	NUM
easat-5815	37	85	159	159	NUM
easat-5815	37	86	169	169	NUM
easat-5815	37	87	201	201	NUM
easat-5815	37	88	200	200	NUM
easat-5815	37	89	236	236	NUM
easat-5815	37	90	kk	kk	NOUN
easat-5815	37	91	/	/	SYM
easat-5815	37	92	cash	cash	NOUN
easat-5815	37	93	offices	office	NOUN
easat-5815	37	94	42	42	NUM
easat-5815	37	95	44	44	NUM
easat-5815	37	96	48	48	NUM
easat-5815	37	97	51	51	NUM
easat-5815	37	98	55	55	NUM
easat-5815	37	99	62	62	NUM
easat-5815	37	100	61	61	NUM
easat-5815	37	101	66	66	NUM
easat-5815	37	102	58	58	NUM
easat-5815	37	103	atms	atms	PROPN
easat-5815	37	104	/	/	SYM
easat-5815	37	105	atms	atms	PROPN
easat-5815	37	106	/adms	/adm	VERB
easat-5815	37	107	132	132	NUM
easat-5815	37	108	145	145	NUM
easat-5815	37	109	132	132	NUM
easat-5815	37	110	143	143	NUM
easat-5815	37	111	171	171	NUM
easat-5815	37	112	176	176	NUM
easat-5815	37	113	182	182	NUM
easat-5815	37	114	218	218	NUM
easat-5815	37	115	200	200	NUM
easat-5815	37	116	165	165	NUM
easat-5815	37	117	number	number	NOUN
easat-5815	37	118	of	of	ADP
easat-5815	37	119	employees	employee	NOUN
easat-5815	37	120	4.425	4.425	NUM
easat-5815	37	121	4.403	4.403	NUM
easat-5815	37	122	4.487	4.487	NUM
easat-5815	37	123	4.678	4.678	NUM
easat-5815	37	124	4.955	4.955	NUM
easat-5815	37	125	5.186	5.186	NUM
easat-5815	37	126	5.326	5.326	NUM
easat-5815	37	127	5.590	5.590	NUM
easat-5815	37	128	5.590	5.590	NUM
easat-5815	37	129	5.590	5.590	NUM
easat-5815	37	130	empirical	empirical	ADJ
easat-5815	37	131	data	datum	NOUN
easat-5815	37	132	serves	serve	VERB
easat-5815	37	133	as	as	ADP
easat-5815	37	134	the	the	DET
easat-5815	37	135	foundation	foundation	NOUN
easat-5815	37	136	for	for	ADP
easat-5815	37	137	analyzing	analyze	VERB
easat-5815	37	138	the	the	DET
easat-5815	37	139	determinants	determinant	NOUN
easat-5815	37	140	of	of	ADP
easat-5815	37	141	sharia	sharia	PROPN
easat-5815	37	142	business	business	PROPN
easat-5815	37	143	units	unit	NOUN
easat-5815	37	144	'	'	PART
easat-5815	37	145	growth	growth	NOUN
easat-5815	37	146	.	.	PUNCT
easat-5815	38	1	this	this	DET
easat-5815	38	2	study	study	NOUN
easat-5815	38	3	employs	employ	VERB
easat-5815	38	4	an	an	DET
easat-5815	38	5	analytical	analytical	ADJ
easat-5815	38	6	approach	approach	NOUN
easat-5815	38	7	to	to	PART
easat-5815	38	8	explore	explore	VERB
easat-5815	38	9	the	the	DET
easat-5815	38	10	interactions	interaction	NOUN
easat-5815	38	11	between	between	ADP
easat-5815	38	12	variables	variable	NOUN
easat-5815	38	13	that	that	PRON
easat-5815	38	14	influence	influence	VERB
easat-5815	38	15	the	the	DET
easat-5815	38	16	performance	performance	NOUN
easat-5815	38	17	and	and	CCONJ
easat-5815	38	18	growth	growth	NOUN
easat-5815	38	19	of	of	ADP
easat-5815	38	20	sharia	sharia	PROPN
easat-5815	38	21	business	business	NOUN
easat-5815	38	22	units	unit	NOUN
easat-5815	38	23	.	.	PUNCT
easat-5815	39	1	the	the	DET
easat-5815	39	2	financing	financing	NOUN
easat-5815	39	3	to	to	PART
easat-5815	39	4	deposit	deposit	VERB
easat-5815	39	5	ratio	ratio	NOUN
easat-5815	39	6	(	(	PUNCT
easat-5815	39	7	fdr	fdr	PROPN
easat-5815	39	8	)	)	PUNCT
easat-5815	39	9	is	be	AUX
easat-5815	39	10	a	a	DET
easat-5815	39	11	key	key	ADJ
easat-5815	39	12	indicator	indicator	NOUN
easat-5815	39	13	of	of	ADP
easat-5815	39	14	islamic	islamic	ADJ
easat-5815	39	15	banking	banking	NOUN
easat-5815	39	16	performance	performance	NOUN
easat-5815	39	17	.	.	PUNCT
easat-5815	40	1	the	the	DET
easat-5815	40	2	fdr	fdr	PROPN
easat-5815	40	3	ratio	ratio	NOUN
easat-5815	40	4	serves	serve	VERB
easat-5815	40	5	as	as	ADP
easat-5815	40	6	an	an	DET
easat-5815	40	7	indicator	indicator	NOUN
easat-5815	40	8	of	of	ADP
easat-5815	40	9	a	a	DET
easat-5815	40	10	financial	financial	ADJ
easat-5815	40	11	institution	institution	NOUN
easat-5815	40	12	's	's	PART
easat-5815	40	13	proficiency	proficiency	NOUN
easat-5815	40	14	in	in	ADP
easat-5815	40	15	liquidity	liquidity	NOUN
easat-5815	40	16	management	management	NOUN
easat-5815	40	17	and	and	CCONJ
easat-5815	40	18	risk	risk	NOUN
easat-5815	40	19	mitigation	mitigation	NOUN
easat-5815	40	20	.	.	PUNCT
easat-5815	41	1	analyzing	analyze	VERB
easat-5815	41	2	fdr	fdr	PROPN
easat-5815	41	3	is	be	AUX
easat-5815	41	4	crucial	crucial	ADJ
easat-5815	41	5	for	for	ADP
easat-5815	41	6	assessing	assess	VERB
easat-5815	41	7	the	the	DET
easat-5815	41	8	stability	stability	NOUN
easat-5815	41	9	and	and	CCONJ
easat-5815	41	10	long	long	ADJ
easat-5815	41	11	-	-	PUNCT
easat-5815	41	12	term	term	NOUN
easat-5815	41	13	viability	viability	NOUN
easat-5815	41	14	of	of	ADP
easat-5815	41	15	islamic	islamic	ADJ
easat-5815	41	16	banks	bank	NOUN
easat-5815	41	17	.	.	PUNCT
easat-5815	42	1	as	as	ADP
easat-5815	42	2	a	a	DET
easat-5815	42	3	liquidity	liquidity	NOUN
easat-5815	42	4	measure	measure	NOUN
easat-5815	42	5	,	,	PUNCT
easat-5815	42	6	fdr	fdr	PROPN
easat-5815	42	7	assesses	assess	VERB
easat-5815	42	8	a	a	DET
easat-5815	42	9	bank	bank	NOUN
easat-5815	42	10	's	's	PART
easat-5815	42	11	ability	ability	NOUN
easat-5815	42	12	to	to	PART
easat-5815	42	13	meet	meet	VERB
easat-5815	42	14	its	its	PRON
easat-5815	42	15	short	short	ADJ
easat-5815	42	16	-	-	PUNCT
easat-5815	42	17	term	term	NOUN
easat-5815	42	18	and	and	CCONJ
easat-5815	42	19	long	long	ADJ
easat-5815	42	20	-	-	PUNCT
easat-5815	42	21	term	term	NOUN
easat-5815	42	22	financial	financial	ADJ
easat-5815	42	23	commitments	commitment	NOUN
easat-5815	42	24	.	.	PUNCT
easat-5815	43	1	according	accord	VERB
easat-5815	43	2	to	to	ADP
easat-5815	43	3	the	the	DET
easat-5815	43	4	research	research	NOUN
easat-5815	43	5	conducted	conduct	VERB
easat-5815	43	6	by	by	ADP
easat-5815	43	7	andrianto	andrianto	NOUN
easat-5815	43	8	and	and	CCONJ
easat-5815	43	9	firmansyah	firmansyah	X
easat-5815	43	10	[	[	X
easat-5815	43	11	3	3	X
easat-5815	43	12	]	]	PUNCT
easat-5815	43	13	as	as	SCONJ
easat-5815	43	14	referenced	reference	VERB
easat-5815	43	15	by	by	ADP
easat-5815	43	16	halim	halim	PROPN
easat-5815	43	17	and	and	CCONJ
easat-5815	43	18	buana	buana	PROPN
easat-5815	43	19	[	[	X
easat-5815	43	20	4	4	NUM
easat-5815	43	21	]	]	PUNCT
easat-5815	43	22	liquidity	liquidity	NOUN
easat-5815	43	23	is	be	AUX
easat-5815	43	24	characterized	characterize	VERB
easat-5815	43	25	as	as	ADP
easat-5815	43	26	a	a	DET
easat-5815	43	27	bank	bank	NOUN
easat-5815	43	28	's	's	PART
easat-5815	43	29	capacity	capacity	NOUN
easat-5815	43	30	to	to	PART
easat-5815	43	31	satisfy	satisfy	VERB
easat-5815	43	32	funding	funding	NOUN
easat-5815	43	33	requirements	requirement	NOUN
easat-5815	43	34	and	and	CCONJ
easat-5815	43	35	convert	convert	VERB
easat-5815	43	36	assets	asset	NOUN
easat-5815	43	37	into	into	ADP
easat-5815	43	38	liquid	liquid	ADJ
easat-5815	43	39	cash	cash	NOUN
easat-5815	43	40	.	.	PUNCT
easat-5815	44	1	liquidity	liquidity	NOUN
easat-5815	44	2	ratios	ratio	NOUN
easat-5815	44	3	are	be	AUX
easat-5815	44	4	pivotal	pivotal	ADJ
easat-5815	44	5	indicators	indicator	NOUN
easat-5815	44	6	utilized	utilize	VERB
easat-5815	44	7	in	in	ADP
easat-5815	44	8	the	the	DET
easat-5815	44	9	evaluation	evaluation	NOUN
easat-5815	44	10	of	of	ADP
easat-5815	44	11	a	a	DET
easat-5815	44	12	bank	bank	NOUN
easat-5815	44	13	's	's	PART
easat-5815	44	14	stability	stability	NOUN
easat-5815	44	15	and	and	CCONJ
easat-5815	44	16	sustainability	sustainability	NOUN
easat-5815	44	17	.	.	PUNCT
easat-5815	45	1	the	the	DET
easat-5815	45	2	liquidity	liquidity	NOUN
easat-5815	45	3	performance	performance	NOUN
easat-5815	45	4	of	of	ADP
easat-5815	45	5	a	a	DET
easat-5815	45	6	bank	bank	NOUN
easat-5815	45	7	may	may	AUX
easat-5815	45	8	be	be	AUX
easat-5815	45	9	appraised	appraise	VERB
easat-5815	45	10	through	through	ADP
easat-5815	45	11	the	the	DET
easat-5815	45	12	examination	examination	NOUN
easat-5815	45	13	of	of	ADP
easat-5815	45	14	the	the	DET
easat-5815	45	15	ratio	ratio	NOUN
easat-5815	45	16	of	of	ADP
easat-5815	45	17	financing	financing	NOUN
easat-5815	45	18	to	to	ADP
easat-5815	45	19	funds	fund	NOUN
easat-5815	45	20	acquired	acquire	VERB
easat-5815	45	21	.	.	PUNCT
easat-5815	46	1	the	the	DET
easat-5815	46	2	sharia	sharia	PROPN
easat-5815	46	3	banking	banking	PROPN
easat-5815	46	4	law	law	NOUN
easat-5815	46	5	no	no	INTJ
easat-5815	46	6	.	.	PROPN
easat-5815	46	7	21	21	NUM
easat-5815	46	8	of	of	ADP
easat-5815	46	9	2008	2008	NUM
easat-5815	46	10	,	,	PUNCT
easat-5815	46	11	article	article	NOUN
easat-5815	46	12	25	25	NUM
easat-5815	46	13	,	,	PUNCT
easat-5815	46	14	delineates	delineate	VERB
easat-5815	46	15	financing	financing	NOUN
easat-5815	46	16	as	as	ADP
easat-5815	46	17	the	the	DET
easat-5815	46	18	allocation	allocation	NOUN
easat-5815	46	19	of	of	ADP
easat-5815	46	20	funds	fund	NOUN
easat-5815	46	21	via	via	ADP
easat-5815	46	22	sharia	sharia	NOUN
easat-5815	46	23	-	-	PUNCT
easat-5815	46	24	compliant	compliant	NOUN
easat-5815	46	25	transactions	transaction	NOUN
easat-5815	46	26	.	.	PUNCT
easat-5815	47	1	sharia	sharia	PROPN
easat-5815	47	2	financing	financing	NOUN
easat-5815	47	3	encompasses	encompass	VERB
easat-5815	47	4	a	a	DET
easat-5815	47	5	variety	variety	NOUN
easat-5815	47	6	of	of	ADP
easat-5815	47	7	transactions	transaction	NOUN
easat-5815	47	8	,	,	PUNCT
easat-5815	47	9	including	include	VERB
easat-5815	47	10	mudharaba	mudharaba	NOUN
easat-5815	47	11	(	(	PUNCT
easat-5815	47	12	profit	profit	NOUN
easat-5815	47	13	-	-	PUNCT
easat-5815	47	14	sharing	sharing	NOUN
easat-5815	47	15	)	)	PUNCT
easat-5815	47	16	,	,	PUNCT
easat-5815	47	17	musyaraka	musyaraka	X
easat-5815	47	18	(	(	PUNCT
easat-5815	47	19	partnership	partnership	NOUN
easat-5815	47	20	)	)	PUNCT
easat-5815	47	21	,	,	PUNCT
easat-5815	47	22	ijara	ijara	NOUN
easat-5815	47	23	(	(	PUNCT
easat-5815	47	24	leasing	leasing	NOUN
easat-5815	47	25	)	)	PUNCT
easat-5815	47	26	,	,	PUNCT
easat-5815	47	27	murabaha	murabaha	INTJ
easat-5815	47	28	(	(	PUNCT
easat-5815	47	29	cost	cost	NOUN
easat-5815	47	30	-	-	PUNCT
easat-5815	47	31	plus	plus	CCONJ
easat-5815	47	32	financing	financing	NOUN
easat-5815	47	33	)	)	PUNCT
easat-5815	47	34	,	,	PUNCT
easat-5815	47	35	and	and	CCONJ
easat-5815	47	36	qard	qard	NOUN
easat-5815	47	37	(	(	PUNCT
easat-5815	47	38	benevolent	benevolent	ADJ
easat-5815	47	39	loan	loan	NOUN
easat-5815	47	40	)	)	PUNCT
easat-5815	47	41	.	.	PUNCT
easat-5815	48	1	concurrently	concurrently	ADV
easat-5815	48	2	,	,	PUNCT
easat-5815	48	3	the	the	DET
easat-5815	48	4	funds	fund	NOUN
easat-5815	48	5	2415	2415	NUM
easat-5815	48	6	edelweiss	edelweiss	PROPN
easat-5815	48	7	applied	apply	VERB
easat-5815	48	8	science	science	NOUN
easat-5815	48	9	and	and	CCONJ
easat-5815	48	10	technology	technology	NOUN
easat-5815	48	11	issn	issn	PROPN
easat-5815	48	12	:	:	PUNCT
easat-5815	48	13	2576	2576	NUM
easat-5815	48	14	-	-	SYM
easat-5815	48	15	8484	8484	NUM
easat-5815	48	16	vol	vol	NOUN
easat-5815	48	17	.	.	PROPN
easat-5815	49	1	9	9	NUM
easat-5815	49	2	,	,	PUNCT
easat-5815	49	3	no	no	INTJ
easat-5815	49	4	.	.	NOUN
easat-5815	50	1	3	3	NUM
easat-5815	50	2	:	:	SYM
easat-5815	50	3	2413	2413	NUM
easat-5815	50	4	-	-	SYM
easat-5815	50	5	2434	2434	NUM
easat-5815	50	6	,	,	PUNCT
easat-5815	50	7	2025	2025	NUM
easat-5815	50	8	doi	doi	NOUN
easat-5815	50	9	:	:	PUNCT
easat-5815	50	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	50	11	©	©	PROPN
easat-5815	50	12	2025	2025	NUM
easat-5815	50	13	by	by	ADP
easat-5815	50	14	the	the	DET
easat-5815	50	15	author	author	NOUN
easat-5815	50	16	;	;	PUNCT
easat-5815	50	17	licensee	licensee	PROPN
easat-5815	50	18	learning	learning	NOUN
easat-5815	50	19	gate	gate	NOUN
easat-5815	50	20	acquired	acquire	VERB
easat-5815	50	21	by	by	ADP
easat-5815	50	22	banks	bank	NOUN
easat-5815	50	23	consist	consist	VERB
easat-5815	50	24	of	of	ADP
easat-5815	50	25	current	current	ADJ
easat-5815	50	26	accounts	account	NOUN
easat-5815	50	27	,	,	PUNCT
easat-5815	50	28	time	time	NOUN
easat-5815	50	29	deposits	deposit	NOUN
easat-5815	50	30	,	,	PUNCT
easat-5815	50	31	savings	saving	NOUN
easat-5815	50	32	,	,	PUNCT
easat-5815	50	33	and	and	CCONJ
easat-5815	50	34	loans	loan	NOUN
easat-5815	50	35	from	from	ADP
easat-5815	50	36	other	other	ADJ
easat-5815	50	37	banking	banking	NOUN
easat-5815	50	38	institutions	institution	NOUN
easat-5815	50	39	,	,	PUNCT
easat-5815	50	40	procured	procure	VERB
easat-5815	50	41	through	through	ADP
easat-5815	50	42	an	an	DET
easat-5815	50	43	array	array	NOUN
easat-5815	50	44	of	of	ADP
easat-5815	50	45	liquidity	liquidity	NOUN
easat-5815	50	46	and	and	CCONJ
easat-5815	50	47	deposit	deposit	NOUN
easat-5815	50	48	instruments	instrument	NOUN
easat-5815	50	49	.	.	PUNCT
easat-5815	51	1	this	this	DET
easat-5815	51	2	investigation	investigation	NOUN
easat-5815	51	3	operationalizes	operationalize	VERB
easat-5815	51	4	financing	financing	NOUN
easat-5815	51	5	via	via	ADP
easat-5815	51	6	the	the	DET
easat-5815	51	7	financing	financing	NOUN
easat-5815	51	8	to	to	PART
easat-5815	51	9	deposit	deposit	VERB
easat-5815	51	10	ratio	ratio	NOUN
easat-5815	51	11	(	(	PUNCT
easat-5815	51	12	fdr	fdr	PROPN
easat-5815	51	13	)	)	PUNCT
easat-5815	51	14	serves	serve	VERB
easat-5815	51	15	as	as	ADP
easat-5815	51	16	a	a	DET
easat-5815	51	17	metric	metric	NOUN
easat-5815	51	18	for	for	ADP
easat-5815	51	19	assessing	assess	VERB
easat-5815	51	20	a	a	DET
easat-5815	51	21	bank	bank	NOUN
easat-5815	51	22	's	's	PART
easat-5815	51	23	ability	ability	NOUN
easat-5815	51	24	to	to	PART
easat-5815	51	25	fund	fund	VERB
easat-5815	51	26	its	its	PRON
easat-5815	51	27	operational	operational	ADJ
easat-5815	51	28	activities	activity	NOUN
easat-5815	51	29	.	.	PUNCT
easat-5815	52	1	somantri	somantri	ADJ
easat-5815	52	2	and	and	CCONJ
easat-5815	52	3	sukmana	sukmana	ADJ
easat-5815	53	1	[	[	X
easat-5815	53	2	5	5	NUM
easat-5815	53	3	]	]	PUNCT
easat-5815	53	4	conducted	conduct	VERB
easat-5815	53	5	an	an	DET
easat-5815	53	6	empirical	empirical	ADJ
easat-5815	53	7	investigation	investigation	NOUN
easat-5815	53	8	into	into	ADP
easat-5815	53	9	the	the	DET
easat-5815	53	10	determinants	determinant	NOUN
easat-5815	53	11	of	of	ADP
easat-5815	53	12	fdr	fdr	PROPN
easat-5815	53	13	within	within	ADP
easat-5815	53	14	sharia	sharia	PROPN
easat-5815	53	15	commercial	commercial	ADJ
easat-5815	53	16	banks	bank	NOUN
easat-5815	53	17	,	,	PUNCT
easat-5815	53	18	highlighting	highlight	VERB
easat-5815	53	19	key	key	ADJ
easat-5815	53	20	performance	performance	NOUN
easat-5815	53	21	indicators	indicator	NOUN
easat-5815	53	22	,	,	PUNCT
easat-5815	53	23	including	include	VERB
easat-5815	53	24	dpk	dpk	PROPN
easat-5815	53	25	(	(	PUNCT
easat-5815	53	26	third	third	ADJ
easat-5815	53	27	-	-	PUNCT
easat-5815	53	28	party	party	NOUN
easat-5815	53	29	funds	fund	NOUN
easat-5815	53	30	)	)	PUNCT
easat-5815	53	31	,	,	PUNCT
easat-5815	53	32	roa	roa	PROPN
easat-5815	53	33	(	(	PUNCT
easat-5815	53	34	return	return	VERB
easat-5815	53	35	on	on	ADP
easat-5815	53	36	assets	asset	NOUN
easat-5815	53	37	)	)	PUNCT
easat-5815	53	38	,	,	PUNCT
easat-5815	53	39	and	and	CCONJ
easat-5815	53	40	npf	npf	PROPN
easat-5815	53	41	(	(	PUNCT
easat-5815	53	42	non	non	ADJ
easat-5815	53	43	-	-	ADJ
easat-5815	53	44	performing	performing	ADJ
easat-5815	53	45	financing	financing	NOUN
easat-5815	53	46	)	)	PUNCT
easat-5815	53	47	,	,	PUNCT
easat-5815	53	48	and	and	CCONJ
easat-5815	53	49	inflation	inflation	NOUN
easat-5815	53	50	exert	exert	VERB
easat-5815	53	51	significant	significant	ADJ
easat-5815	53	52	influence	influence	NOUN
easat-5815	53	53	on	on	ADP
easat-5815	53	54	fdr	fdr	PROPN
easat-5815	53	55	.	.	PUNCT
easat-5815	54	1	these	these	DET
easat-5815	54	2	conclusions	conclusion	NOUN
easat-5815	54	3	lend	lend	VERB
easat-5815	54	4	credence	credence	NOUN
easat-5815	54	5	to	to	ADP
easat-5815	54	6	financial	financial	ADJ
easat-5815	54	7	theories	theory	NOUN
easat-5815	54	8	and	and	CCONJ
easat-5815	54	9	offer	offer	VERB
easat-5815	54	10	valuable	valuable	ADJ
easat-5815	54	11	insights	insight	NOUN
easat-5815	54	12	for	for	ADP
easat-5815	54	13	policymakers	policymaker	NOUN
easat-5815	54	14	within	within	ADP
easat-5815	54	15	the	the	DET
easat-5815	54	16	islamic	islamic	ADJ
easat-5815	54	17	banking	banking	NOUN
easat-5815	54	18	sector	sector	NOUN
easat-5815	54	19	.	.	PUNCT
easat-5815	55	1	conversely	conversely	ADV
easat-5815	55	2	,	,	PUNCT
easat-5815	55	3	the	the	DET
easat-5815	55	4	research	research	NOUN
easat-5815	55	5	conducted	conduct	VERB
easat-5815	55	6	by	by	ADP
easat-5815	55	7	halim	halim	PROPN
easat-5815	55	8	and	and	CCONJ
easat-5815	55	9	buana	buana	PROPN
easat-5815	56	1	[	[	X
easat-5815	56	2	4	4	X
easat-5815	56	3	]	]	PUNCT
easat-5815	56	4	revealed	reveal	VERB
easat-5815	56	5	that	that	SCONJ
easat-5815	56	6	fdr	fdr	PROPN
easat-5815	56	7	does	do	AUX
easat-5815	56	8	not	not	PART
easat-5815	56	9	exert	exert	VERB
easat-5815	56	10	a	a	DET
easat-5815	56	11	significant	significant	ADJ
easat-5815	56	12	impact	impact	NOUN
easat-5815	56	13	on	on	ADP
easat-5815	56	14	profitability	profitability	NOUN
easat-5815	56	15	within	within	ADP
easat-5815	56	16	indonesian	indonesian	ADJ
easat-5815	56	17	sharia	sharia	PROPN
easat-5815	56	18	banks	bank	NOUN
easat-5815	56	19	,	,	PUNCT
easat-5815	56	20	contrary	contrary	ADJ
easat-5815	56	21	to	to	PART
easat-5815	56	22	antecedent	antecedent	VERB
easat-5815	56	23	theoretical	theoretical	ADJ
easat-5815	56	24	perspectives	perspective	NOUN
easat-5815	56	25	.	.	PUNCT
easat-5815	57	1	these	these	DET
easat-5815	57	2	results	result	NOUN
easat-5815	57	3	emphasize	emphasize	VERB
easat-5815	57	4	the	the	DET
easat-5815	57	5	importance	importance	NOUN
easat-5815	57	6	of	of	ADP
easat-5815	57	7	effective	effective	ADJ
easat-5815	57	8	risk	risk	NOUN
easat-5815	57	9	management	management	NOUN
easat-5815	57	10	and	and	CCONJ
easat-5815	57	11	profitability	profitability	NOUN
easat-5815	57	12	planning	planning	NOUN
easat-5815	57	13	for	for	ADP
easat-5815	57	14	policymakers	policymaker	NOUN
easat-5815	57	15	.	.	PUNCT
easat-5815	58	1	another	another	DET
easat-5815	58	2	study	study	NOUN
easat-5815	58	3	identified	identify	VERB
easat-5815	58	4	a	a	DET
easat-5815	58	5	positive	positive	ADJ
easat-5815	58	6	and	and	CCONJ
easat-5815	58	7	significant	significant	ADJ
easat-5815	58	8	correlation	correlation	NOUN
easat-5815	58	9	between	between	ADP
easat-5815	58	10	return	return	NOUN
easat-5815	58	11	on	on	ADP
easat-5815	58	12	asset	asset	NOUN
easat-5815	58	13	and	and	CCONJ
easat-5815	58	14	the	the	DET
easat-5815	58	15	loan	loan	NOUN
easat-5815	58	16	-	-	PUNCT
easat-5815	58	17	to	to	ADP
easat-5815	58	18	-	-	PUNCT
easat-5815	58	19	deposit	deposit	NOUN
easat-5815	58	20	ratio	ratio	NOUN
easat-5815	58	21	(	(	PUNCT
easat-5815	58	22	ldr	ldr	PROPN
easat-5815	58	23	)	)	PUNCT
easat-5815	58	24	indicating	indicate	VERB
easat-5815	58	25	that	that	SCONJ
easat-5815	58	26	ldr	ldr	PROPN
easat-5815	58	27	plays	play	VERB
easat-5815	58	28	a	a	DET
easat-5815	58	29	role	role	NOUN
easat-5815	58	30	in	in	ADP
easat-5815	58	31	shaping	shape	VERB
easat-5815	58	32	the	the	DET
easat-5815	58	33	financial	financial	ADJ
easat-5815	58	34	performance	performance	NOUN
easat-5815	58	35	of	of	ADP
easat-5815	58	36	islamic	islamic	ADJ
easat-5815	58	37	banking	banking	NOUN
easat-5815	58	38	institutions	institution	NOUN
easat-5815	58	39	.	.	PUNCT
easat-5815	59	1	operational	operational	ADJ
easat-5815	59	2	expenditures	expenditure	NOUN
easat-5815	59	3	,	,	PUNCT
easat-5815	59	4	evaluated	evaluate	VERB
easat-5815	59	5	through	through	ADP
easat-5815	59	6	the	the	DET
easat-5815	59	7	operational	operational	ADJ
easat-5815	59	8	cost	cost	NOUN
easat-5815	59	9	on	on	ADP
easat-5815	59	10	operating	operate	VERB
easat-5815	59	11	income	income	NOUN
easat-5815	59	12	(	(	PUNCT
easat-5815	59	13	ocoi	ocoi	NOUN
easat-5815	59	14	)	)	PUNCT
easat-5815	59	15	ratio	ratio	NOUN
easat-5815	59	16	is	be	AUX
easat-5815	59	17	an	an	DET
easat-5815	59	18	additional	additional	ADJ
easat-5815	59	19	factor	factor	NOUN
easat-5815	59	20	that	that	PRON
easat-5815	59	21	influences	influence	VERB
easat-5815	59	22	the	the	DET
easat-5815	59	23	performance	performance	NOUN
easat-5815	59	24	of	of	ADP
easat-5815	59	25	islamic	islamic	ADJ
easat-5815	59	26	banking	banking	NOUN
easat-5815	59	27	.	.	PUNCT
easat-5815	60	1	ocoi	ocoi	NOUN
easat-5815	60	2	evaluates	evaluate	VERB
easat-5815	60	3	operational	operational	ADJ
easat-5815	60	4	efficiency	efficiency	NOUN
easat-5815	60	5	and	and	CCONJ
easat-5815	60	6	functions	function	NOUN
easat-5815	60	7	as	as	ADP
easat-5815	60	8	a	a	DET
easat-5815	60	9	principal	principal	ADJ
easat-5815	60	10	indicator	indicator	NOUN
easat-5815	60	11	of	of	ADP
easat-5815	60	12	operational	operational	ADJ
easat-5815	60	13	risk	risk	NOUN
easat-5815	60	14	.	.	PUNCT
easat-5815	61	1	operational	operational	ADJ
easat-5815	61	2	costs	cost	NOUN
easat-5815	61	3	are	be	AUX
easat-5815	61	4	influenced	influence	VERB
easat-5815	61	5	by	by	ADP
easat-5815	61	6	a	a	DET
easat-5815	61	7	combination	combination	NOUN
easat-5815	61	8	of	of	ADP
easat-5815	61	9	internal	internal	ADJ
easat-5815	61	10	factors	factor	NOUN
easat-5815	61	11	,	,	PUNCT
easat-5815	61	12	including	include	VERB
easat-5815	61	13	personnel	personnel	NOUN
easat-5815	61	14	and	and	CCONJ
easat-5815	61	15	processes	process	NOUN
easat-5815	61	16	,	,	PUNCT
easat-5815	61	17	and	and	CCONJ
easat-5815	61	18	external	external	ADJ
easat-5815	61	19	factors	factor	NOUN
easat-5815	61	20	,	,	PUNCT
easat-5815	61	21	such	such	ADJ
easat-5815	61	22	as	as	ADP
easat-5815	61	23	market	market	NOUN
easat-5815	61	24	conditions	condition	NOUN
easat-5815	61	25	.	.	PUNCT
easat-5815	62	1	andrianto	andrianto	NOUN
easat-5815	62	2	and	and	CCONJ
easat-5815	62	3	firmansyah	firmansyah	X
easat-5815	63	1	[	[	X
easat-5815	63	2	3	3	X
easat-5815	63	3	]	]	PUNCT
easat-5815	63	4	underscores	underscore	VERB
easat-5815	63	5	the	the	DET
easat-5815	63	6	significance	significance	NOUN
easat-5815	63	7	of	of	ADP
easat-5815	63	8	scrutinizing	scrutinize	VERB
easat-5815	63	9	operational	operational	ADJ
easat-5815	63	10	risks	risk	NOUN
easat-5815	63	11	,	,	PUNCT
easat-5815	63	12	which	which	PRON
easat-5815	63	13	are	be	AUX
easat-5815	63	14	categorized	categorize	VERB
easat-5815	63	15	into	into	ADP
easat-5815	63	16	human	human	ADJ
easat-5815	63	17	,	,	PUNCT
easat-5815	63	18	process	process	NOUN
easat-5815	63	19	,	,	PUNCT
easat-5815	63	20	system	system	NOUN
easat-5815	63	21	,	,	PUNCT
easat-5815	63	22	and	and	CCONJ
easat-5815	63	23	external	external	ADJ
easat-5815	63	24	risks	risk	NOUN
easat-5815	63	25	.	.	PUNCT
easat-5815	64	1	the	the	DET
easat-5815	64	2	ocoi	ocoi	ADJ
easat-5815	64	3	ratio	ratio	NOUN
easat-5815	64	4	is	be	AUX
easat-5815	64	5	instrumental	instrumental	ADJ
easat-5815	64	6	in	in	ADP
easat-5815	64	7	evaluating	evaluate	VERB
easat-5815	64	8	the	the	DET
easat-5815	64	9	efficiency	efficiency	NOUN
easat-5815	64	10	of	of	ADP
easat-5815	64	11	resource	resource	NOUN
easat-5815	64	12	allocation	allocation	NOUN
easat-5815	64	13	and	and	CCONJ
easat-5815	64	14	represents	represent	VERB
easat-5815	64	15	a	a	DET
easat-5815	64	16	critical	critical	ADJ
easat-5815	64	17	metric	metric	NOUN
easat-5815	64	18	in	in	ADP
easat-5815	64	19	financial	financial	ADJ
easat-5815	64	20	performance	performance	NOUN
easat-5815	64	21	and	and	CCONJ
easat-5815	64	22	risk	risk	NOUN
easat-5815	64	23	management	management	NOUN
easat-5815	64	24	.	.	PUNCT
easat-5815	65	1	research	research	NOUN
easat-5815	65	2	has	have	AUX
easat-5815	65	3	indicated	indicate	VERB
easat-5815	65	4	that	that	SCONJ
easat-5815	65	5	fdr	fdr	PROPN
easat-5815	65	6	mediates	mediate	VERB
easat-5815	65	7	the	the	DET
easat-5815	65	8	correlation	correlation	NOUN
easat-5815	65	9	between	between	ADP
easat-5815	65	10	ocoi	ocoi	NOUN
easat-5815	65	11	and	and	CCONJ
easat-5815	65	12	profitability	profitability	NOUN
easat-5815	65	13	in	in	ADP
easat-5815	65	14	islamic	islamic	ADJ
easat-5815	65	15	banks	bank	NOUN
easat-5815	65	16	,	,	PUNCT
easat-5815	65	17	suggesting	suggest	VERB
easat-5815	65	18	that	that	SCONJ
easat-5815	65	19	proficient	proficient	ADJ
easat-5815	65	20	fund	fund	NOUN
easat-5815	65	21	management	management	NOUN
easat-5815	65	22	can	can	AUX
easat-5815	65	23	enhance	enhance	VERB
easat-5815	65	24	financial	financial	ADJ
easat-5815	65	25	performance	performance	NOUN
easat-5815	65	26	.	.	PUNCT
easat-5815	66	1	another7	another7	NOUN
easat-5815	66	2	investigation	investigation	NOUN
easat-5815	66	3	established	establish	VERB
easat-5815	66	4	a	a	DET
easat-5815	66	5	negative	negative	ADJ
easat-5815	66	6	association	association	NOUN
easat-5815	66	7	between	between	ADP
easat-5815	66	8	ocoi	ocoi	NOUN
easat-5815	66	9	and	and	CCONJ
easat-5815	66	10	roa	roa	PROPN
easat-5815	66	11	,	,	PUNCT
easat-5815	66	12	highlighting	highlight	VERB
easat-5815	66	13	the	the	DET
easat-5815	66	14	necessity	necessity	NOUN
easat-5815	66	15	of	of	ADP
easat-5815	66	16	managing	manage	VERB
easat-5815	66	17	operational	operational	ADJ
easat-5815	66	18	costs	cost	NOUN
easat-5815	66	19	to	to	PART
easat-5815	66	20	bolster	bolster	VERB
easat-5815	66	21	profitability	profitability	NOUN
easat-5815	66	22	.	.	PUNCT
easat-5815	67	1	empirical	empirical	ADJ
easat-5815	67	2	data	datum	NOUN
easat-5815	67	3	supports	support	VERB
easat-5815	67	4	the	the	DET
easat-5815	67	5	theory	theory	NOUN
easat-5815	67	6	that	that	SCONJ
easat-5815	67	7	strong	strong	ADJ
easat-5815	67	8	financial	financial	ADJ
easat-5815	67	9	performance	performance	NOUN
easat-5815	67	10	increases	increase	VERB
easat-5815	67	11	asset	asset	NOUN
easat-5815	67	12	value	value	NOUN
easat-5815	67	13	.	.	PUNCT
easat-5815	68	1	the	the	DET
easat-5815	68	2	growth	growth	NOUN
easat-5815	68	3	of	of	ADP
easat-5815	68	4	sharia	sharia	PROPN
easat-5815	68	5	business	business	NOUN
easat-5815	68	6	unit	unit	NOUN
easat-5815	68	7	assets	asset	NOUN
easat-5815	68	8	from	from	ADP
easat-5815	68	9	2014	2014	NUM
easat-5815	68	10	to	to	ADP
easat-5815	68	11	2023	2023	NUM
easat-5815	68	12	serves	serve	VERB
easat-5815	68	13	as	as	ADP
easat-5815	68	14	a	a	DET
easat-5815	68	15	reliable	reliable	ADJ
easat-5815	68	16	indicator	indicator	NOUN
easat-5815	68	17	of	of	ADP
easat-5815	68	18	financial	financial	ADJ
easat-5815	68	19	performance	performance	NOUN
easat-5815	68	20	.	.	PUNCT
easat-5815	69	1	according	accord	VERB
easat-5815	69	2	to	to	ADP
easat-5815	69	3	andrianto	andrianto	NOUN
easat-5815	69	4	and	and	CCONJ
easat-5815	69	5	firmansyah	firmansyah	X
easat-5815	69	6	[	[	X
easat-5815	69	7	3	3	NUM
easat-5815	69	8	]	]	X
easat-5815	69	9	profitability	profitability	NOUN
easat-5815	69	10	is	be	AUX
easat-5815	69	11	a	a	DET
easat-5815	69	12	key	key	ADJ
easat-5815	69	13	measure	measure	NOUN
easat-5815	69	14	of	of	ADP
easat-5815	69	15	a	a	DET
easat-5815	69	16	bank	bank	NOUN
easat-5815	69	17	's	's	PART
easat-5815	69	18	health	health	NOUN
easat-5815	69	19	,	,	PUNCT
easat-5815	69	20	and	and	CCONJ
easat-5815	69	21	sustained	sustain	VERB
easat-5815	69	22	operational	operational	ADJ
easat-5815	69	23	losses	loss	NOUN
easat-5815	69	24	can	can	AUX
easat-5815	69	25	threaten	threaten	VERB
easat-5815	69	26	stability	stability	NOUN
easat-5815	69	27	.	.	PUNCT
easat-5815	70	1	based	base	VERB
easat-5815	70	2	on	on	ADP
easat-5815	70	3	the	the	DET
easat-5815	70	4	research	research	NOUN
easat-5815	70	5	,	,	PUNCT
easat-5815	70	6	emphasizing	emphasize	VERB
easat-5815	70	7	the	the	DET
easat-5815	70	8	importance	importance	NOUN
easat-5815	70	9	of	of	ADP
easat-5815	70	10	profitability	profitability	NOUN
easat-5815	70	11	in	in	ADP
easat-5815	70	12	assessing	assess	VERB
easat-5815	70	13	the	the	DET
easat-5815	70	14	health	health	NOUN
easat-5815	70	15	of	of	ADP
easat-5815	70	16	banks	bank	NOUN
easat-5815	70	17	,	,	PUNCT
easat-5815	70	18	the	the	DET
easat-5815	70	19	analysis	analysis	NOUN
easat-5815	70	20	of	of	ADP
easat-5815	70	21	banks	bank	NOUN
easat-5815	70	22	'	'	PART
easat-5815	70	23	financial	financial	ADJ
easat-5815	70	24	performance	performance	NOUN
easat-5815	70	25	must	must	AUX
easat-5815	70	26	consider	consider	VERB
easat-5815	70	27	the	the	DET
easat-5815	70	28	ability	ability	NOUN
easat-5815	70	29	to	to	PART
easat-5815	70	30	create	create	VERB
easat-5815	70	31	profits	profit	NOUN
easat-5815	70	32	.	.	PUNCT
easat-5815	71	1	ongoing	ongoing	ADJ
easat-5815	71	2	operational	operational	ADJ
easat-5815	71	3	losses	loss	NOUN
easat-5815	71	4	can	can	AUX
easat-5815	71	5	affect	affect	VERB
easat-5815	71	6	bank	bank	NOUN
easat-5815	71	7	stability	stability	NOUN
easat-5815	71	8	.	.	PUNCT
easat-5815	72	1	the	the	DET
easat-5815	72	2	assessment	assessment	NOUN
easat-5815	72	3	is	be	AUX
easat-5815	72	4	based	base	VERB
easat-5815	72	5	on	on	ADP
easat-5815	72	6	the	the	DET
easat-5815	72	7	profitability	profitability	NOUN
easat-5815	72	8	or	or	CCONJ
easat-5815	72	9	earning	earning	NOUN
easat-5815	72	10	of	of	ADP
easat-5815	72	11	a	a	DET
easat-5815	72	12	bank	bank	NOUN
easat-5815	72	13	,	,	PUNCT
easat-5815	72	14	which	which	PRON
easat-5815	72	15	is	be	AUX
easat-5815	72	16	to	to	PART
easat-5815	72	17	look	look	VERB
easat-5815	72	18	at	at	ADP
easat-5815	72	19	the	the	DET
easat-5815	72	20	ability	ability	NOUN
easat-5815	72	21	of	of	ADP
easat-5815	72	22	a	a	DET
easat-5815	72	23	bank	bank	NOUN
easat-5815	72	24	to	to	PART
easat-5815	72	25	create	create	VERB
easat-5815	72	26	profits	profit	NOUN
easat-5815	72	27	.	.	PUNCT
easat-5815	73	1	empirical	empirical	ADJ
easat-5815	73	2	analysis	analysis	NOUN
easat-5815	73	3	has	have	AUX
easat-5815	73	4	shown	show	VERB
easat-5815	73	5	a	a	DET
easat-5815	73	6	significant	significant	ADJ
easat-5815	73	7	relationship	relationship	NOUN
easat-5815	73	8	between	between	ADP
easat-5815	73	9	financing	finance	VERB
easat-5815	73	10	structures	structure	NOUN
easat-5815	73	11	and	and	CCONJ
easat-5815	73	12	sharia	sharia	PROPN
easat-5815	73	13	business	business	PROPN
easat-5815	73	14	unit	unit	NOUN
easat-5815	73	15	performance	performance	NOUN
easat-5815	73	16	.	.	PUNCT
easat-5815	74	1	sharia	sharia	PROPN
easat-5815	74	2	financing	financing	NOUN
easat-5815	74	3	is	be	AUX
easat-5815	74	4	structured	structure	VERB
easat-5815	74	5	through	through	ADP
easat-5815	74	6	various	various	ADJ
easat-5815	74	7	contracts	contract	NOUN
easat-5815	74	8	,	,	PUNCT
easat-5815	74	9	including	include	VERB
easat-5815	74	10	mudharaba	mudharaba	NOUN
easat-5815	74	11	,	,	PUNCT
easat-5815	74	12	musyaraka	musyaraka	X
easat-5815	74	13	,	,	PUNCT
easat-5815	74	14	murabaha	murabaha	INTJ
easat-5815	74	15	,	,	PUNCT
easat-5815	74	16	istisna	istisna	NOUN
easat-5815	74	17	,	,	PUNCT
easat-5815	74	18	and	and	CCONJ
easat-5815	74	19	ijara	ijara	PROPN
easat-5815	74	20	,	,	PUNCT
easat-5815	74	21	while	while	SCONJ
easat-5815	74	22	deposits	deposit	NOUN
easat-5815	74	23	are	be	AUX
easat-5815	74	24	sourced	source	VERB
easat-5815	74	25	through	through	ADP
easat-5815	74	26	mudharaba	mudharaba	NOUN
easat-5815	74	27	and	and	CCONJ
easat-5815	74	28	wadi'ah	wadi'ah	NOUN
easat-5815	74	29	contracts	contract	NOUN
easat-5815	74	30	.	.	PUNCT
easat-5815	75	1	analyzing	analyze	VERB
easat-5815	75	2	the	the	DET
easat-5815	75	3	financing	financing	NOUN
easat-5815	75	4	structure	structure	NOUN
easat-5815	75	5	allows	allow	VERB
easat-5815	75	6	researchers	researcher	NOUN
easat-5815	75	7	to	to	PART
easat-5815	75	8	evaluate	evaluate	VERB
easat-5815	75	9	the	the	DET
easat-5815	75	10	bank	bank	NOUN
easat-5815	75	11	's	's	PART
easat-5815	75	12	profitability	profitability	NOUN
easat-5815	75	13	and	and	CCONJ
easat-5815	75	14	efficiency	efficiency	NOUN
easat-5815	75	15	.	.	PUNCT
easat-5815	76	1	additionally	additionally	ADV
easat-5815	76	2	,	,	PUNCT
easat-5815	76	3	analyzing	analyze	VERB
easat-5815	76	4	operational	operational	ADJ
easat-5815	76	5	costs	cost	NOUN
easat-5815	76	6	through	through	ADP
easat-5815	76	7	programs	program	NOUN
easat-5815	76	8	like	like	ADP
easat-5815	76	9	opex	opex	NOUN
easat-5815	76	10	can	can	AUX
easat-5815	76	11	provide	provide	VERB
easat-5815	76	12	insights	insight	NOUN
easat-5815	76	13	into	into	ADP
easat-5815	76	14	the	the	DET
easat-5815	76	15	performance	performance	NOUN
easat-5815	76	16	of	of	ADP
easat-5815	76	17	sharia	sharia	PROPN
easat-5815	76	18	business	business	NOUN
easat-5815	76	19	units	unit	NOUN
easat-5815	76	20	.	.	PUNCT
easat-5815	77	1	halim	halim	PROPN
easat-5815	77	2	and	and	CCONJ
easat-5815	77	3	buana	buana	PROPN
easat-5815	78	1	[	[	X
easat-5815	78	2	4	4	NUM
easat-5815	78	3	]	]	PUNCT
easat-5815	78	4	research	research	NOUN
easat-5815	78	5	found	find	VERB
easat-5815	78	6	that	that	SCONJ
easat-5815	78	7	net	net	ADJ
easat-5815	78	8	operating	operating	NOUN
easat-5815	78	9	income	income	NOUN
easat-5815	78	10	positively	positively	ADV
easat-5815	78	11	impacts	impact	VERB
easat-5815	78	12	bank	bank	NOUN
easat-5815	78	13	performance	performance	NOUN
easat-5815	78	14	,	,	PUNCT
easat-5815	78	15	emphasizing	emphasize	VERB
easat-5815	78	16	the	the	DET
easat-5815	78	17	importance	importance	NOUN
easat-5815	78	18	of	of	ADP
easat-5815	78	19	operational	operational	ADJ
easat-5815	78	20	cost	cost	NOUN
easat-5815	78	21	management	management	NOUN
easat-5815	78	22	.	.	PUNCT
easat-5815	79	1	other	other	ADJ
easat-5815	79	2	studies	study	NOUN
easat-5815	79	3	of	of	ADP
easat-5815	79	4	lidyah	lidyah	NOUN
easat-5815	79	5	,	,	PUNCT
easat-5815	79	6	et	et	PROPN
easat-5815	79	7	al	al	PROPN
easat-5815	79	8	.	.	PUNCT
easat-5815	80	1	[	[	X
easat-5815	80	2	6	6	NUM
easat-5815	80	3	]	]	PUNCT
easat-5815	80	4	.	.	PUNCT
easat-5815	81	1	on	on	ADP
easat-5815	81	2	the	the	DET
easat-5815	81	3	research	research	NOUN
easat-5815	81	4	on	on	ADP
easat-5815	81	5	indonesian	indonesian	ADJ
easat-5815	81	6	sharia	sharia	PROPN
easat-5815	81	7	commercial	commercial	ADJ
easat-5815	81	8	banks	bank	NOUN
easat-5815	81	9	indicates	indicate	VERB
easat-5815	81	10	significant	significant	ADJ
easat-5815	81	11	relationships	relationship	NOUN
easat-5815	81	12	between	between	ADP
easat-5815	81	13	performance	performance	NOUN
easat-5815	81	14	and	and	CCONJ
easat-5815	81	15	profit	profit	NOUN
easat-5815	81	16	-	-	PUNCT
easat-5815	81	17	sharing	share	VERB
easat-5815	81	18	financing	financing	NOUN
easat-5815	81	19	,	,	PUNCT
easat-5815	81	20	fdr	fdr	PROPN
easat-5815	81	21	,	,	PUNCT
easat-5815	81	22	npf	npf	NOUN
easat-5815	81	23	,	,	PUNCT
easat-5815	81	24	ocoi	ocoi	NOUN
easat-5815	81	25	,	,	PUNCT
easat-5815	81	26	and	and	CCONJ
easat-5815	81	27	car	car	NOUN
easat-5815	81	28	.	.	PUNCT
easat-5815	82	1	the	the	DET
easat-5815	82	2	efficacy	efficacy	NOUN
easat-5815	82	3	of	of	ADP
easat-5815	82	4	indonesian	indonesian	ADJ
easat-5815	82	5	sharia	sharia	PROPN
easat-5815	82	6	commercial	commercial	ADJ
easat-5815	82	7	banks	bank	NOUN
easat-5815	82	8	,	,	PUNCT
easat-5815	82	9	as	as	SCONJ
easat-5815	82	10	delineated	delineate	VERB
easat-5815	82	11	by	by	ADP
easat-5815	82	12	ancillary	ancillary	ADJ
easat-5815	82	13	studies	study	NOUN
easat-5815	82	14	elena	elena	NOUN
easat-5815	82	15	and	and	CCONJ
easat-5815	82	16	nurwahidin	nurwahidin	ADJ
easat-5815	82	17	[	[	X
easat-5815	82	18	7	7	NUM
easat-5815	82	19	]	]	PUNCT
easat-5815	82	20	has	have	AUX
easat-5815	82	21	scrutinized	scrutinize	VERB
easat-5815	82	22	the	the	DET
easat-5815	82	23	correlation	correlation	NOUN
easat-5815	82	24	between	between	ADP
easat-5815	82	25	financial	financial	ADJ
easat-5815	82	26	variables	variable	NOUN
easat-5815	82	27	and	and	CCONJ
easat-5815	82	28	the	the	DET
easat-5815	82	29	operational	operational	ADJ
easat-5815	82	30	performance	performance	NOUN
easat-5815	82	31	of	of	ADP
easat-5815	82	32	sharia	sharia	PROPN
easat-5815	82	33	commercial	commercial	ADJ
easat-5815	82	34	banks	bank	NOUN
easat-5815	82	35	,	,	PUNCT
easat-5815	82	36	revealing	reveal	VERB
easat-5815	82	37	that	that	SCONJ
easat-5815	82	38	profit	profit	NOUN
easat-5815	82	39	-	-	PUNCT
easat-5815	82	40	sharing	share	VERB
easat-5815	82	41	financing	financing	NOUN
easat-5815	82	42	,	,	PUNCT
easat-5815	82	43	fdr	fdr	PROPN
easat-5815	82	44	,	,	PUNCT
easat-5815	82	45	npf	npf	NOUN
easat-5815	82	46	,	,	PUNCT
easat-5815	82	47	ocoi	ocoi	NOUN
easat-5815	82	48	,	,	PUNCT
easat-5815	82	49	and	and	CCONJ
easat-5815	82	50	car	car	NOUN
easat-5815	82	51	exert	exert	VERB
easat-5815	82	52	a	a	DET
easat-5815	82	53	statistically	statistically	ADV
easat-5815	82	54	significant	significant	ADJ
easat-5815	82	55	impact	impact	NOUN
easat-5815	82	56	on	on	ADP
easat-5815	82	57	banking	banking	NOUN
easat-5815	82	58	performance	performance	NOUN
easat-5815	82	59	.	.	PUNCT
easat-5815	83	1	this	this	DET
easat-5815	83	2	revelation	revelation	NOUN
easat-5815	83	3	bears	bear	VERB
easat-5815	83	4	consequential	consequential	ADJ
easat-5815	83	5	implications	implication	NOUN
easat-5815	83	6	for	for	ADP
easat-5815	83	7	islamic	islamic	ADJ
easat-5815	83	8	banking	banking	NOUN
easat-5815	83	9	policymakers	policymaker	NOUN
easat-5815	83	10	aiming	aim	VERB
easat-5815	83	11	to	to	PART
easat-5815	83	12	enhance	enhance	VERB
easat-5815	83	13	financial	financial	ADJ
easat-5815	83	14	efficacy	efficacy	NOUN
easat-5815	83	15	.	.	PUNCT
easat-5815	84	1	2416	2416	NUM
easat-5815	84	2	edelweiss	edelweiss	PROPN
easat-5815	84	3	applied	apply	VERB
easat-5815	84	4	science	science	NOUN
easat-5815	84	5	and	and	CCONJ
easat-5815	84	6	technology	technology	NOUN
easat-5815	84	7	issn	issn	PROPN
easat-5815	84	8	:	:	PUNCT
easat-5815	84	9	2576	2576	NUM
easat-5815	84	10	-	-	SYM
easat-5815	84	11	8484	8484	NUM
easat-5815	84	12	vol	vol	NOUN
easat-5815	84	13	.	.	PROPN
easat-5815	85	1	9	9	NUM
easat-5815	85	2	,	,	PUNCT
easat-5815	85	3	no	no	INTJ
easat-5815	85	4	.	.	NOUN
easat-5815	86	1	3	3	NUM
easat-5815	86	2	:	:	SYM
easat-5815	86	3	2413	2413	NUM
easat-5815	86	4	-	-	SYM
easat-5815	86	5	2434	2434	NUM
easat-5815	86	6	,	,	PUNCT
easat-5815	86	7	2025	2025	NUM
easat-5815	86	8	doi	doi	NOUN
easat-5815	86	9	:	:	PUNCT
easat-5815	86	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	86	11	©	©	PROPN
easat-5815	86	12	2025	2025	NUM
easat-5815	86	13	by	by	ADP
easat-5815	86	14	the	the	DET
easat-5815	86	15	author	author	NOUN
easat-5815	86	16	;	;	PUNCT
easat-5815	86	17	licensee	licensee	PROPN
easat-5815	86	18	learning	learn	VERB
easat-5815	86	19	gate	gate	PROPN
easat-5815	86	20	referring	refer	VERB
easat-5815	86	21	to	to	ADP
easat-5815	86	22	study	study	NOUN
easat-5815	86	23	of	of	ADP
easat-5815	86	24	halim	halim	PROPN
easat-5815	86	25	and	and	CCONJ
easat-5815	86	26	buana	buana	PROPN
easat-5815	86	27	[	[	X
easat-5815	86	28	4	4	X
easat-5815	86	29	]	]	PUNCT
easat-5815	86	30	also	also	ADV
easat-5815	86	31	analyzes	analyze	VERB
easat-5815	86	32	risk	risk	NOUN
easat-5815	86	33	management	management	NOUN
easat-5815	86	34	,	,	PUNCT
easat-5815	86	35	using	use	VERB
easat-5815	86	36	non	non	ADJ
easat-5815	86	37	-	-	ADJ
easat-5815	86	38	performing	performing	ADJ
easat-5815	86	39	financing	financing	NOUN
easat-5815	86	40	(	(	PUNCT
easat-5815	86	41	npf	npf	PROPN
easat-5815	86	42	)	)	PUNCT
easat-5815	86	43	as	as	ADP
easat-5815	86	44	a	a	DET
easat-5815	86	45	proxy	proxy	NOUN
easat-5815	86	46	.	.	PUNCT
easat-5815	87	1	npf	npf	PROPN
easat-5815	87	2	refers	refer	VERB
easat-5815	87	3	to	to	ADP
easat-5815	87	4	financing	finance	VERB
easat-5815	87	5	risks	risk	NOUN
easat-5815	87	6	arising	arise	VERB
easat-5815	87	7	when	when	SCONJ
easat-5815	87	8	customers	customer	NOUN
easat-5815	87	9	fail	fail	VERB
easat-5815	87	10	to	to	PART
easat-5815	87	11	meet	meet	VERB
easat-5815	87	12	payment	payment	NOUN
easat-5815	87	13	obligations	obligation	NOUN
easat-5815	87	14	.	.	PUNCT
easat-5815	88	1	factors	factor	NOUN
easat-5815	88	2	such	such	ADJ
easat-5815	88	3	as	as	ADP
easat-5815	88	4	financing	financing	NOUN
easat-5815	88	5	concentration	concentration	NOUN
easat-5815	88	6	and	and	CCONJ
easat-5815	88	7	credit	credit	NOUN
easat-5815	88	8	risk	risk	NOUN
easat-5815	88	9	affect	affect	VERB
easat-5815	88	10	npf	npf	PROPN
easat-5815	88	11	.	.	PUNCT
easat-5815	89	1	managing	manage	VERB
easat-5815	89	2	financing	financing	NOUN
easat-5815	89	3	risk	risk	NOUN
easat-5815	89	4	is	be	AUX
easat-5815	89	5	crucial	crucial	ADJ
easat-5815	89	6	for	for	ADP
easat-5815	89	7	maintaining	maintain	VERB
easat-5815	89	8	financial	financial	ADJ
easat-5815	89	9	stability	stability	NOUN
easat-5815	89	10	.	.	PUNCT
easat-5815	90	1	regulation	regulation	NOUN
easat-5815	90	2	of	of	ADP
easat-5815	90	3	the	the	DET
easat-5815	90	4	financial	financial	ADJ
easat-5815	90	5	services	service	NOUN
easat-5815	90	6	authority	authority	NOUN
easat-5815	90	7	(	(	PUNCT
easat-5815	90	8	ojk	ojk	NOUN
easat-5815	90	9	)	)	PUNCT
easat-5815	90	10	number	number	NOUN
easat-5815	90	11	15	15	NUM
easat-5815	90	12	/	/	SYM
easat-5815	90	13	pjok.03/2017	pjok.03/2017	NOUN
easat-5815	90	14	,	,	PUNCT
easat-5815	90	15	establishes	establish	VERB
easat-5815	90	16	a	a	DET
easat-5815	90	17	threshold	threshold	NOUN
easat-5815	90	18	npf	npf	NOUN
easat-5815	90	19	ratio	ratio	NOUN
easat-5815	90	20	of	of	ADP
easat-5815	90	21	5	5	NUM
easat-5815	90	22	%	%	NOUN
easat-5815	90	23	as	as	ADP
easat-5815	90	24	a	a	DET
easat-5815	90	25	standard	standard	NOUN
easat-5815	90	26	for	for	ADP
easat-5815	90	27	assessing	assess	VERB
easat-5815	90	28	bank	bank	NOUN
easat-5815	90	29	viability	viability	NOUN
easat-5815	90	30	.	.	PUNCT
easat-5815	91	1	the	the	DET
easat-5815	91	2	ojk	ojk	NOUN
easat-5815	91	3	systematically	systematically	ADV
easat-5815	91	4	oversees	oversee	VERB
easat-5815	91	5	banks	bank	NOUN
easat-5815	91	6	exhibiting	exhibit	VERB
easat-5815	91	7	elevated	elevate	VERB
easat-5815	91	8	npf	npf	NOUN
easat-5815	91	9	ratios	ratio	NOUN
easat-5815	91	10	to	to	PART
easat-5815	91	11	avert	avert	VERB
easat-5815	91	12	potential	potential	ADJ
easat-5815	91	13	financial	financial	ADJ
easat-5815	91	14	crises	crisis	NOUN
easat-5815	91	15	,	,	PUNCT
easat-5815	91	16	instituting	institute	VERB
easat-5815	91	17	intensified	intensified	ADJ
easat-5815	91	18	supervision	supervision	NOUN
easat-5815	91	19	when	when	SCONJ
easat-5815	91	20	deemed	deem	VERB
easat-5815	91	21	necessary	necessary	ADJ
easat-5815	91	22	.	.	PUNCT
easat-5815	92	1	empirical	empirical	ADJ
easat-5815	92	2	investigations	investigation	NOUN
easat-5815	92	3	on	on	ADP
easat-5815	92	4	halim	halim	PROPN
easat-5815	92	5	and	and	CCONJ
easat-5815	92	6	buana	buana	PROPN
easat-5815	92	7	[	[	X
easat-5815	92	8	4	4	NUM
easat-5815	92	9	]	]	PUNCT
easat-5815	92	10	research	research	NOUN
easat-5815	92	11	have	have	AUX
easat-5815	92	12	yielded	yield	VERB
easat-5815	92	13	disparate	disparate	ADJ
easat-5815	92	14	outcomes	outcome	NOUN
easat-5815	92	15	concerning	concern	VERB
easat-5815	92	16	the	the	DET
easat-5815	92	17	influence	influence	NOUN
easat-5815	92	18	of	of	ADP
easat-5815	92	19	npf	npf	NOUN
easat-5815	92	20	on	on	ADP
easat-5815	92	21	financial	financial	ADJ
easat-5815	92	22	performance	performance	NOUN
easat-5815	92	23	.	.	PUNCT
easat-5815	93	1	certain	certain	ADJ
easat-5815	93	2	studies	study	NOUN
easat-5815	93	3	have	have	AUX
easat-5815	93	4	identified	identify	VERB
easat-5815	93	5	an	an	DET
easat-5815	93	6	absence	absence	NOUN
easat-5815	93	7	of	of	ADP
easat-5815	93	8	significant	significant	ADJ
easat-5815	93	9	effects	effect	NOUN
easat-5815	93	10	,	,	PUNCT
easat-5815	93	11	while	while	SCONJ
easat-5815	93	12	others	other	NOUN
easat-5815	93	13	have	have	AUX
easat-5815	93	14	articulated	articulate	VERB
easat-5815	93	15	a	a	DET
easat-5815	93	16	noteworthy	noteworthy	ADJ
easat-5815	93	17	correlation	correlation	NOUN
easat-5815	93	18	among	among	ADP
easat-5815	93	19	npf	npf	PROPN
easat-5815	93	20	,	,	PUNCT
easat-5815	93	21	risk	risk	NOUN
easat-5815	93	22	management	management	NOUN
easat-5815	93	23	,	,	PUNCT
easat-5815	93	24	and	and	CCONJ
easat-5815	93	25	financial	financial	ADJ
easat-5815	93	26	performance	performance	NOUN
easat-5815	93	27	.	.	PUNCT
easat-5815	94	1	these	these	DET
easat-5815	94	2	observations	observation	NOUN
easat-5815	94	3	underscore	underscore	VERB
easat-5815	94	4	the	the	DET
easat-5815	94	5	intricate	intricate	ADJ
easat-5815	94	6	nature	nature	NOUN
easat-5815	94	7	factors	factor	NOUN
easat-5815	94	8	influencing	influence	VERB
easat-5815	94	9	the	the	DET
easat-5815	94	10	financial	financial	ADJ
easat-5815	94	11	performance	performance	NOUN
easat-5815	94	12	of	of	ADP
easat-5815	94	13	islamic	islamic	ADJ
easat-5815	94	14	banks	bank	NOUN
easat-5815	94	15	.	.	PUNCT
easat-5815	95	1	1.2	1.2	NUM
easat-5815	95	2	.	.	PUNCT
easat-5815	95	3	statement	statement	NOUN
easat-5815	95	4	of	of	ADP
easat-5815	95	5	the	the	DET
easat-5815	95	6	problem	problem	NOUN
easat-5815	95	7	based	base	VERB
easat-5815	95	8	on	on	ADP
easat-5815	95	9	the	the	DET
easat-5815	95	10	contextual	contextual	ADJ
easat-5815	95	11	framework	framework	NOUN
easat-5815	95	12	presented	present	VERB
easat-5815	95	13	,	,	PUNCT
easat-5815	95	14	this	this	DET
easat-5815	95	15	research	research	NOUN
easat-5815	95	16	endeavor	endeavor	NOUN
easat-5815	95	17	is	be	AUX
easat-5815	95	18	formulated	formulate	VERB
easat-5815	95	19	to	to	PART
easat-5815	95	20	scrutinize	scrutinize	VERB
easat-5815	95	21	the	the	DET
easat-5815	95	22	operational	operational	ADJ
easat-5815	95	23	efficacy	efficacy	NOUN
easat-5815	95	24	of	of	ADP
easat-5815	95	25	sharia	sharia	PROPN
easat-5815	95	26	bank	bank	PROPN
easat-5815	95	27	business	business	NOUN
easat-5815	95	28	units	unit	NOUN
easat-5815	95	29	by	by	ADP
easat-5815	95	30	concentrating	concentrate	VERB
easat-5815	95	31	on	on	ADP
easat-5815	95	32	the	the	DET
easat-5815	95	33	subsequent	subsequent	ADJ
easat-5815	95	34	dimensions	dimension	NOUN
easat-5815	95	35	:	:	PUNCT
easat-5815	95	36	1	1	X
easat-5815	95	37	)	)	PUNCT
easat-5815	95	38	the	the	DET
easat-5815	95	39	influence	influence	NOUN
easat-5815	95	40	of	of	ADP
easat-5815	95	41	financing	finance	VERB
easat-5815	95	42	structure	structure	NOUN
easat-5815	95	43	on	on	ADP
easat-5815	95	44	funding	funding	NOUN
easat-5815	95	45	and	and	CCONJ
easat-5815	95	46	its	its	PRON
easat-5815	95	47	impact	impact	NOUN
easat-5815	95	48	on	on	ADP
easat-5815	95	49	risk	risk	NOUN
easat-5815	95	50	management	management	NOUN
easat-5815	95	51	,	,	PUNCT
easat-5815	95	52	this	this	DET
easat-5815	95	53	examination	examination	NOUN
easat-5815	95	54	aspires	aspire	VERB
easat-5815	95	55	to	to	PART
easat-5815	95	56	elucidate	elucidate	VERB
easat-5815	95	57	the	the	DET
easat-5815	95	58	manner	manner	NOUN
easat-5815	95	59	in	in	ADP
easat-5815	95	60	which	which	PRON
easat-5815	95	61	diverse	diverse	ADJ
easat-5815	95	62	financing	financing	NOUN
easat-5815	95	63	structures	structure	NOUN
easat-5815	95	64	exert	exert	VERB
easat-5815	95	65	influence	influence	NOUN
easat-5815	95	66	analyzing	analyze	VERB
easat-5815	95	67	risk	risk	NOUN
easat-5815	95	68	management	management	NOUN
easat-5815	95	69	procedures	procedure	NOUN
easat-5815	95	70	in	in	ADP
easat-5815	95	71	sharia	sharia	PROPN
easat-5815	95	72	-	-	PUNCT
easat-5815	95	73	based	base	VERB
easat-5815	95	74	bank	bank	NOUN
easat-5815	95	75	business	business	NOUN
easat-5815	95	76	units	unit	NOUN
easat-5815	95	77	.	.	PUNCT
easat-5815	96	1	2	2	X
easat-5815	96	2	)	)	PUNCT
easat-5815	96	3	the	the	DET
easat-5815	96	4	examination	examination	NOUN
easat-5815	96	5	of	of	ADP
easat-5815	96	6	the	the	DET
easat-5815	96	7	impact	impact	NOUN
easat-5815	96	8	of	of	ADP
easat-5815	96	9	operating	operating	NOUN
easat-5815	96	10	costs	cost	NOUN
easat-5815	96	11	on	on	ADP
easat-5815	96	12	operating	operate	VERB
easat-5815	96	13	income	income	NOUN
easat-5815	96	14	(	(	PUNCT
easat-5815	96	15	ocoi	ocoi	NOUN
easat-5815	96	16	)	)	PUNCT
easat-5815	96	17	in	in	ADP
easat-5815	96	18	relation	relation	NOUN
easat-5815	96	19	to	to	PART
easat-5815	96	20	risk	risk	NOUN
easat-5815	96	21	management	management	NOUN
easat-5815	96	22	seeks	seek	VERB
easat-5815	96	23	to	to	PART
easat-5815	96	24	elucidate	elucidate	VERB
easat-5815	96	25	the	the	DET
easat-5815	96	26	linkage	linkage	NOUN
easat-5815	96	27	between	between	ADP
easat-5815	96	28	operational	operational	ADJ
easat-5815	96	29	efficiency	efficiency	NOUN
easat-5815	96	30	,	,	PUNCT
easat-5815	96	31	as	as	SCONJ
easat-5815	96	32	measured	measure	VERB
easat-5815	96	33	by	by	ADP
easat-5815	96	34	ocoi	ocoi	NOUN
easat-5815	96	35	,	,	PUNCT
easat-5815	96	36	and	and	CCONJ
easat-5815	96	37	its	its	PRON
easat-5815	96	38	implications	implication	NOUN
easat-5815	96	39	for	for	ADP
easat-5815	96	40	the	the	DET
easat-5815	96	41	governance	governance	NOUN
easat-5815	96	42	of	of	ADP
easat-5815	96	43	operational	operational	ADJ
easat-5815	96	44	risks	risk	NOUN
easat-5815	96	45	.	.	PUNCT
easat-5815	97	1	3	3	X
easat-5815	97	2	)	)	PUNCT
easat-5815	97	3	the	the	DET
easat-5815	97	4	assessment	assessment	NOUN
easat-5815	97	5	of	of	ADP
easat-5815	97	6	the	the	DET
easat-5815	97	7	influence	influence	NOUN
easat-5815	97	8	of	of	ADP
easat-5815	97	9	financing	finance	VERB
easat-5815	97	10	structure	structure	NOUN
easat-5815	97	11	on	on	ADP
easat-5815	97	12	funding	funding	NOUN
easat-5815	97	13	and	and	CCONJ
easat-5815	97	14	its	its	PRON
easat-5815	97	15	implications	implication	NOUN
easat-5815	97	16	for	for	ADP
easat-5815	97	17	financial	financial	ADJ
easat-5815	97	18	performance	performance	NOUN
easat-5815	97	19	assesses	assess	VERB
easat-5815	97	20	the	the	DET
easat-5815	97	21	impact	impact	NOUN
easat-5815	97	22	of	of	ADP
easat-5815	97	23	financing	finance	VERB
easat-5815	97	24	structure	structure	NOUN
easat-5815	97	25	on	on	ADP
easat-5815	97	26	sharia	sharia	PROPN
easat-5815	97	27	bank	bank	PROPN
easat-5815	97	28	business	business	PROPN
easat-5815	97	29	units	unit	NOUN
easat-5815	97	30	'	'	PART
easat-5815	97	31	financial	financial	ADJ
easat-5815	97	32	metrics	metric	NOUN
easat-5815	97	33	.	.	PUNCT
easat-5815	98	1	4	4	X
easat-5815	98	2	)	)	PUNCT
easat-5815	98	3	the	the	DET
easat-5815	98	4	inquiry	inquiry	NOUN
easat-5815	98	5	into	into	ADP
easat-5815	98	6	the	the	DET
easat-5815	98	7	effect	effect	NOUN
easat-5815	98	8	of	of	ADP
easat-5815	98	9	operating	operating	NOUN
easat-5815	98	10	costs	cost	NOUN
easat-5815	98	11	on	on	ADP
easat-5815	98	12	operating	operate	VERB
easat-5815	98	13	income	income	NOUN
easat-5815	98	14	(	(	PUNCT
easat-5815	98	15	ocoi	ocoi	NOUN
easat-5815	98	16	)	)	PUNCT
easat-5815	98	17	concerning	concern	VERB
easat-5815	98	18	financial	financial	ADJ
easat-5815	98	19	performance	performance	NOUN
easat-5815	98	20	investigates	investigate	VERB
easat-5815	98	21	the	the	DET
easat-5815	98	22	degree	degree	NOUN
easat-5815	98	23	to	to	PART
easat-5815	98	24	which	which	PRON
easat-5815	98	25	the	the	DET
easat-5815	98	26	efficiency	efficiency	NOUN
easat-5815	98	27	of	of	ADP
easat-5815	98	28	operational	operational	ADJ
easat-5815	98	29	costs	cost	NOUN
easat-5815	98	30	influences	influence	VERB
easat-5815	98	31	the	the	DET
easat-5815	98	32	financial	financial	ADJ
easat-5815	98	33	performance	performance	NOUN
easat-5815	98	34	outcomes	outcome	NOUN
easat-5815	98	35	of	of	ADP
easat-5815	98	36	sharia	sharia	PROPN
easat-5815	98	37	bank	bank	PROPN
easat-5815	98	38	business	business	NOUN
easat-5815	98	39	units	unit	NOUN
easat-5815	98	40	.	.	PUNCT
easat-5815	99	1	5	5	X
easat-5815	99	2	)	)	PUNCT
easat-5815	99	3	the	the	DET
easat-5815	99	4	analysis	analysis	NOUN
easat-5815	99	5	of	of	ADP
easat-5815	99	6	the	the	DET
easat-5815	99	7	effect	effect	NOUN
easat-5815	99	8	of	of	ADP
easat-5815	99	9	risk	risk	NOUN
easat-5815	99	10	management	management	NOUN
easat-5815	99	11	on	on	ADP
easat-5815	99	12	the	the	DET
easat-5815	99	13	health	health	NOUN
easat-5815	99	14	and	and	CCONJ
easat-5815	99	15	financial	financial	ADJ
easat-5815	99	16	performance	performance	NOUN
easat-5815	99	17	of	of	ADP
easat-5815	99	18	uus	uus	PROPN
easat-5815	99	19	delves	delf	NOUN
easat-5815	99	20	into	into	ADP
easat-5815	99	21	the	the	DET
easat-5815	99	22	critical	critical	ADJ
easat-5815	99	23	role	role	NOUN
easat-5815	99	24	of	of	ADP
easat-5815	99	25	risk	risk	NOUN
easat-5815	99	26	management	management	NOUN
easat-5815	99	27	in	in	ADP
easat-5815	99	28	upholding	uphold	VERB
easat-5815	99	29	the	the	DET
easat-5815	99	30	sustainability	sustainability	NOUN
easat-5815	99	31	and	and	CCONJ
easat-5815	99	32	overall	overall	ADJ
easat-5815	99	33	financial	financial	ADJ
easat-5815	99	34	robustness	robustness	NOUN
easat-5815	99	35	of	of	ADP
easat-5815	99	36	sharia	sharia	PROPN
easat-5815	99	37	bank	bank	PROPN
easat-5815	99	38	business	business	NOUN
easat-5815	99	39	units	unit	NOUN
easat-5815	99	40	.	.	PUNCT
easat-5815	100	1	6	6	NUM
easat-5815	100	2	)	)	PUNCT
easat-5815	100	3	this	this	DET
easat-5815	100	4	study	study	NOUN
easat-5815	100	5	assesses	assess	VERB
easat-5815	100	6	the	the	DET
easat-5815	100	7	impact	impact	NOUN
easat-5815	100	8	of	of	ADP
easat-5815	100	9	financing	finance	VERB
easat-5815	100	10	structure	structure	NOUN
easat-5815	100	11	on	on	ADP
easat-5815	100	12	funding	funding	NOUN
easat-5815	100	13	and	and	CCONJ
easat-5815	100	14	financial	financial	ADJ
easat-5815	100	15	performance	performance	NOUN
easat-5815	100	16	,	,	PUNCT
easat-5815	100	17	exploring	explore	VERB
easat-5815	100	18	the	the	DET
easat-5815	100	19	mediating	mediate	VERB
easat-5815	100	20	role	role	NOUN
easat-5815	100	21	of	of	ADP
easat-5815	100	22	risk	risk	NOUN
easat-5815	100	23	management	management	NOUN
easat-5815	100	24	.	.	PUNCT
easat-5815	101	1	7	7	X
easat-5815	101	2	)	)	PUNCT
easat-5815	101	3	the	the	DET
easat-5815	101	4	research	research	NOUN
easat-5815	101	5	explores	explore	VERB
easat-5815	101	6	the	the	DET
easat-5815	101	7	role	role	NOUN
easat-5815	101	8	of	of	ADP
easat-5815	101	9	risk	risk	NOUN
easat-5815	101	10	management	management	NOUN
easat-5815	101	11	in	in	ADP
easat-5815	101	12	moderating	moderate	VERB
easat-5815	101	13	the	the	DET
easat-5815	101	14	relationship	relationship	NOUN
easat-5815	101	15	between	between	ADP
easat-5815	101	16	ocoi	ocoi	NOUN
easat-5815	101	17	and	and	CCONJ
easat-5815	101	18	financial	financial	ADJ
easat-5815	101	19	performance	performance	NOUN
easat-5815	101	20	,	,	PUNCT
easat-5815	101	21	shedding	shed	VERB
easat-5815	101	22	light	light	NOUN
easat-5815	101	23	on	on	ADP
easat-5815	101	24	the	the	DET
easat-5815	101	25	interplay	interplay	NOUN
easat-5815	101	26	between	between	ADP
easat-5815	101	27	operational	operational	ADJ
easat-5815	101	28	efficiency	efficiency	NOUN
easat-5815	101	29	and	and	CCONJ
easat-5815	101	30	financial	financial	ADJ
easat-5815	101	31	success	success	NOUN
easat-5815	101	32	.	.	PUNCT
easat-5815	102	1	1.3	1.3	NUM
easat-5815	102	2	.	.	PUNCT
easat-5815	102	3	aim	aim	NOUN
easat-5815	102	4	and	and	CCONJ
easat-5815	102	5	objectives	objective	VERB
easat-5815	102	6	the	the	DET
easat-5815	102	7	primary	primary	ADJ
easat-5815	102	8	objective	objective	NOUN
easat-5815	102	9	of	of	ADP
easat-5815	102	10	this	this	DET
easat-5815	102	11	research	research	NOUN
easat-5815	102	12	is	be	AUX
easat-5815	102	13	to	to	PART
easat-5815	102	14	test	test	VERB
easat-5815	102	15	three	three	NUM
easat-5815	102	16	hypotheses	hypothesis	NOUN
easat-5815	102	17	regarding	regard	VERB
easat-5815	102	18	the	the	DET
easat-5815	102	19	relationships	relationship	NOUN
easat-5815	102	20	between	between	ADP
easat-5815	102	21	financing	financing	NOUN
easat-5815	102	22	structure	structure	NOUN
easat-5815	102	23	,	,	PUNCT
easat-5815	102	24	operational	operational	ADJ
easat-5815	102	25	costs	cost	NOUN
easat-5815	102	26	,	,	PUNCT
easat-5815	102	27	risk	risk	NOUN
easat-5815	102	28	management	management	NOUN
easat-5815	102	29	,	,	PUNCT
easat-5815	102	30	and	and	CCONJ
easat-5815	102	31	financial	financial	ADJ
easat-5815	102	32	performance	performance	NOUN
easat-5815	102	33	,	,	PUNCT
easat-5815	102	34	including	include	VERB
easat-5815	102	35	the	the	DET
easat-5815	102	36	mediating	mediate	VERB
easat-5815	102	37	effect	effect	NOUN
easat-5815	102	38	of	of	ADP
easat-5815	102	39	risk	risk	NOUN
easat-5815	102	40	management	management	NOUN
easat-5815	102	41	.	.	PUNCT
easat-5815	103	1	this	this	DET
easat-5815	103	2	design	design	NOUN
easat-5815	103	3	provides	provide	VERB
easat-5815	103	4	comprehensive	comprehensive	ADJ
easat-5815	103	5	insights	insight	NOUN
easat-5815	103	6	into	into	ADP
easat-5815	103	7	how	how	SCONJ
easat-5815	103	8	financial	financial	ADJ
easat-5815	103	9	variables	variable	NOUN
easat-5815	103	10	interact	interact	VERB
easat-5815	103	11	to	to	PART
easat-5815	103	12	influence	influence	VERB
easat-5815	103	13	the	the	DET
easat-5815	103	14	performance	performance	NOUN
easat-5815	103	15	of	of	ADP
easat-5815	103	16	sbus	sbus	NOUN
easat-5815	103	17	and	and	CCONJ
easat-5815	103	18	offers	offer	VERB
easat-5815	103	19	a	a	DET
easat-5815	103	20	basis	basis	NOUN
easat-5815	103	21	for	for	ADP
easat-5815	103	22	formulating	formulate	VERB
easat-5815	103	23	strategies	strategy	NOUN
easat-5815	103	24	to	to	PART
easat-5815	103	25	enhance	enhance	VERB
easat-5815	103	26	their	their	PRON
easat-5815	103	27	effectiveness	effectiveness	NOUN
easat-5815	103	28	.	.	PUNCT
easat-5815	104	1	2	2	X
easat-5815	104	2	.	.	X
easat-5815	104	3	literature	literature	NOUN
easat-5815	104	4	review	review	VERB
easat-5815	104	5	2.1	2.1	NUM
easat-5815	104	6	.	.	PUNCT
easat-5815	105	1	previous	previous	ADJ
easat-5815	105	2	research	research	NOUN
easat-5815	105	3	and	and	CCONJ
easat-5815	105	4	novelty	novelty	NOUN
easat-5815	105	5	or	or	CCONJ
easat-5815	105	6	novelty	novelty	NOUN
easat-5815	105	7	of	of	ADP
easat-5815	105	8	research	research	NOUN
easat-5815	105	9	the	the	DET
easat-5815	105	10	current	current	ADJ
easat-5815	105	11	study	study	NOUN
easat-5815	105	12	builds	build	VERB
easat-5815	105	13	upon	upon	SCONJ
easat-5815	105	14	previous	previous	ADJ
easat-5815	105	15	research	research	NOUN
easat-5815	105	16	in	in	ADP
easat-5815	105	17	sharia	sharia	PROPN
easat-5815	105	18	banking	banking	NOUN
easat-5815	105	19	and	and	CCONJ
easat-5815	105	20	finance	finance	NOUN
easat-5815	105	21	by	by	ADP
easat-5815	105	22	integrating	integrate	VERB
easat-5815	105	23	variables	variable	NOUN
easat-5815	105	24	related	relate	VERB
easat-5815	105	25	to	to	ADP
easat-5815	105	26	financing	finance	VERB
easat-5815	105	27	structure	structure	NOUN
easat-5815	105	28	on	on	ADP
easat-5815	105	29	funding	funding	NOUN
easat-5815	105	30	(	(	PUNCT
easat-5815	105	31	proxies	proxy	NOUN
easat-5815	105	32	by	by	ADP
easat-5815	105	33	fdr	fdr	PROPN
easat-5815	105	34	)	)	PUNCT
easat-5815	105	35	,	,	PUNCT
easat-5815	105	36	operational	operational	ADJ
easat-5815	105	37	costs	cost	NOUN
easat-5815	105	38	(	(	PUNCT
easat-5815	105	39	proxies	proxy	NOUN
easat-5815	105	40	by	by	ADP
easat-5815	105	41	ocoi	ocoi	NOUN
easat-5815	105	42	,	,	PUNCT
easat-5815	105	43	and	and	CCONJ
easat-5815	105	44	risk	risk	NOUN
easat-5815	105	45	management	management	NOUN
easat-5815	105	46	(	(	PUNCT
easat-5815	105	47	proxies	proxy	NOUN
easat-5815	105	48	by	by	ADP
easat-5815	105	49	npf	npf	PROPN
easat-5815	105	50	)	)	PUNCT
easat-5815	105	51	,	,	PUNCT
easat-5815	105	52	and	and	CCONJ
easat-5815	105	53	examining	examine	VERB
easat-5815	105	54	their	their	PRON
easat-5815	105	55	influence	influence	NOUN
easat-5815	105	56	on	on	ADP
easat-5815	105	57	financial	financial	ADJ
easat-5815	105	58	2417	2417	NUM
easat-5815	105	59	edelweiss	edelweiss	PROPN
easat-5815	105	60	applied	apply	VERB
easat-5815	105	61	science	science	NOUN
easat-5815	105	62	and	and	CCONJ
easat-5815	105	63	technology	technology	NOUN
easat-5815	105	64	issn	issn	PROPN
easat-5815	105	65	:	:	PUNCT
easat-5815	105	66	2576	2576	NUM
easat-5815	105	67	-	-	SYM
easat-5815	105	68	8484	8484	NUM
easat-5815	105	69	vol	vol	NOUN
easat-5815	105	70	.	.	PROPN
easat-5815	106	1	9	9	NUM
easat-5815	106	2	,	,	PUNCT
easat-5815	106	3	no	no	INTJ
easat-5815	106	4	.	.	NOUN
easat-5815	107	1	3	3	NUM
easat-5815	107	2	:	:	SYM
easat-5815	107	3	2413	2413	NUM
easat-5815	107	4	-	-	SYM
easat-5815	107	5	2434	2434	NUM
easat-5815	107	6	,	,	PUNCT
easat-5815	107	7	2025	2025	NUM
easat-5815	107	8	doi	doi	NOUN
easat-5815	107	9	:	:	PUNCT
easat-5815	107	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	107	11	©	©	PROPN
easat-5815	107	12	2025	2025	NUM
easat-5815	107	13	by	by	ADP
easat-5815	107	14	the	the	DET
easat-5815	107	15	author	author	NOUN
easat-5815	107	16	;	;	PUNCT
easat-5815	107	17	licensee	licensee	PROPN
easat-5815	107	18	learning	learning	NOUN
easat-5815	107	19	gate	gate	NOUN
easat-5815	107	20	performance	performance	NOUN
easat-5815	107	21	(	(	PUNCT
easat-5815	107	22	proxies	proxy	NOUN
easat-5815	107	23	by	by	ADP
easat-5815	107	24	roa	roa	PROPN
easat-5815	107	25	)	)	PUNCT
easat-5815	107	26	in	in	ADP
easat-5815	107	27	sharia	sharia	PROPN
easat-5815	107	28	business	business	NOUN
easat-5815	107	29	units	unit	NOUN
easat-5815	107	30	(	(	PUNCT
easat-5815	107	31	uus	uus	PROPN
easat-5815	107	32	)	)	PUNCT
easat-5815	107	33	over	over	ADP
easat-5815	107	34	a	a	DET
easat-5815	107	35	long	long	ADJ
easat-5815	107	36	research	research	NOUN
easat-5815	107	37	period	period	NOUN
easat-5815	107	38	(	(	PUNCT
easat-5815	107	39	june	june	PROPN
easat-5815	107	40	2014	2014	NUM
easat-5815	107	41	–	–	PUNCT
easat-5815	107	42	september	september	PROPN
easat-5815	107	43	2024	2024	NUM
easat-5815	107	44	)	)	PUNCT
easat-5815	107	45	.	.	PUNCT
easat-5815	108	1	this	this	DET
easat-5815	108	2	approach	approach	NOUN
easat-5815	108	3	provides	provide	VERB
easat-5815	108	4	both	both	DET
easat-5815	108	5	depth	depth	NOUN
easat-5815	108	6	and	and	CCONJ
easat-5815	108	7	breadth	breadth	NOUN
easat-5815	108	8	in	in	ADP
easat-5815	108	9	understanding	understand	VERB
easat-5815	108	10	the	the	DET
easat-5815	108	11	dynamics	dynamic	NOUN
easat-5815	108	12	of	of	ADP
easat-5815	108	13	sharia	sharia	PROPN
easat-5815	108	14	business	business	NOUN
easat-5815	108	15	units	unit	NOUN
easat-5815	108	16	while	while	SCONJ
easat-5815	108	17	addressing	address	VERB
easat-5815	108	18	gaps	gap	NOUN
easat-5815	108	19	and	and	CCONJ
easat-5815	108	20	extending	extend	VERB
easat-5815	108	21	existing	exist	VERB
easat-5815	108	22	knowledge	knowledge	NOUN
easat-5815	108	23	.	.	PUNCT
easat-5815	109	1	the	the	DET
easat-5815	109	2	contributions	contribution	NOUN
easat-5815	109	3	of	of	ADP
easat-5815	109	4	previous	previous	ADJ
easat-5815	109	5	research	research	NOUN
easat-5815	109	6	and	and	CCONJ
easat-5815	109	7	their	their	PRON
easat-5815	109	8	relevance	relevance	NOUN
easat-5815	109	9	to	to	ADP
easat-5815	109	10	this	this	DET
easat-5815	109	11	study	study	NOUN
easat-5815	109	12	include	include	VERB
easat-5815	109	13	the	the	DET
easat-5815	109	14	work	work	NOUN
easat-5815	109	15	of	of	ADP
easat-5815	109	16	halim	halim	PROPN
easat-5815	109	17	and	and	CCONJ
easat-5815	109	18	buana	buana	PROPN
easat-5815	109	19	[	[	X
easat-5815	109	20	4	4	X
easat-5815	109	21	]	]	PUNCT
easat-5815	109	22	researchers	researcher	NOUN
easat-5815	109	23	examined	examine	VERB
easat-5815	109	24	the	the	DET
easat-5815	109	25	impact	impact	NOUN
easat-5815	109	26	of	of	ADP
easat-5815	109	27	npf	npf	NOUN
easat-5815	109	28	,	,	PUNCT
easat-5815	109	29	operational	operational	ADJ
easat-5815	109	30	costs	cost	NOUN
easat-5815	109	31	,	,	PUNCT
easat-5815	109	32	fdr	fdr	PROPN
easat-5815	109	33	,	,	PUNCT
easat-5815	109	34	and	and	CCONJ
easat-5815	109	35	net	net	ADJ
easat-5815	109	36	operating	operate	VERB
easat-5815	109	37	margin	margin	NOUN
easat-5815	109	38	on	on	ADP
easat-5815	109	39	roa	roa	PROPN
easat-5815	109	40	in	in	ADP
easat-5815	109	41	islamic	islamic	ADJ
easat-5815	109	42	commercial	commercial	ADJ
easat-5815	109	43	banks	bank	NOUN
easat-5815	109	44	,	,	PUNCT
easat-5815	109	45	revealing	reveal	VERB
easat-5815	109	46	that	that	SCONJ
easat-5815	109	47	net	net	ADJ
easat-5815	109	48	operating	operate	VERB
easat-5815	109	49	margin	margin	NOUN
easat-5815	109	50	significantly	significantly	ADV
easat-5815	109	51	affects	affect	VERB
easat-5815	109	52	roa	roa	PROPN
easat-5815	109	53	,	,	PUNCT
easat-5815	109	54	thus	thus	ADV
easat-5815	109	55	underscoring	underscore	VERB
easat-5815	109	56	the	the	DET
easat-5815	109	57	criticality	criticality	NOUN
easat-5815	109	58	of	of	ADP
easat-5815	109	59	managing	manage	VERB
easat-5815	109	60	operating	operating	NOUN
easat-5815	109	61	margins	margin	NOUN
easat-5815	109	62	for	for	ADP
easat-5815	109	63	financial	financial	ADJ
easat-5815	109	64	performance	performance	NOUN
easat-5815	109	65	.	.	PUNCT
easat-5815	110	1	the	the	DET
easat-5815	110	2	relevance	relevance	NOUN
easat-5815	110	3	of	of	ADP
easat-5815	110	4	this	this	DET
easat-5815	110	5	study	study	NOUN
easat-5815	110	6	highlights	highlight	VERB
easat-5815	110	7	the	the	DET
easat-5815	110	8	key	key	ADJ
easat-5815	110	9	drivers	driver	NOUN
easat-5815	110	10	of	of	ADP
easat-5815	110	11	financial	financial	ADJ
easat-5815	110	12	performance	performance	NOUN
easat-5815	110	13	,	,	PUNCT
easat-5815	110	14	particularly	particularly	ADV
easat-5815	110	15	the	the	DET
easat-5815	110	16	influence	influence	NOUN
easat-5815	110	17	of	of	ADP
easat-5815	110	18	operational	operational	ADJ
easat-5815	110	19	efficiency	efficiency	NOUN
easat-5815	110	20	and	and	CCONJ
easat-5815	110	21	risk	risk	NOUN
easat-5815	110	22	metrics	metric	NOUN
easat-5815	110	23	such	such	ADJ
easat-5815	110	24	as	as	ADP
easat-5815	110	25	npf	npf	PROPN
easat-5815	110	26	.	.	PROPN
easat-5815	110	27	somantri	somantri	ADJ
easat-5815	110	28	and	and	CCONJ
easat-5815	110	29	sukmana	sukmana	ADJ
easat-5815	111	1	[	[	X
easat-5815	111	2	5	5	NUM
easat-5815	111	3	]	]	PUNCT
easat-5815	111	4	analyzed	analyze	VERB
easat-5815	111	5	factors	factor	NOUN
easat-5815	111	6	affecting	affect	VERB
easat-5815	111	7	fdr	fdr	PROPN
easat-5815	111	8	in	in	ADP
easat-5815	111	9	sharia	sharia	PROPN
easat-5815	111	10	commercial	commercial	ADJ
easat-5815	111	11	banks	bank	NOUN
easat-5815	111	12	,	,	PUNCT
easat-5815	111	13	finding	find	VERB
easat-5815	111	14	significant	significant	ADJ
easat-5815	111	15	relationships	relationship	NOUN
easat-5815	111	16	between	between	ADP
easat-5815	111	17	dpk	dpk	PROPN
easat-5815	111	18	,	,	PUNCT
easat-5815	111	19	roa	roa	PROPN
easat-5815	111	20	,	,	PUNCT
easat-5815	111	21	npf	npf	PROPN
easat-5815	111	22	,	,	PUNCT
easat-5815	111	23	and	and	CCONJ
easat-5815	111	24	inflation	inflation	NOUN
easat-5815	111	25	with	with	ADP
easat-5815	111	26	fdr	fdr	PROPN
easat-5815	111	27	,	,	PUNCT
easat-5815	111	28	relevance	relevance	NOUN
easat-5815	111	29	:	:	PUNCT
easat-5815	111	30	strengthens	strengthen	VERB
easat-5815	111	31	the	the	DET
easat-5815	111	32	understanding	understanding	NOUN
easat-5815	111	33	of	of	ADP
easat-5815	111	34	the	the	DET
easat-5815	111	35	determinants	determinant	NOUN
easat-5815	111	36	of	of	ADP
easat-5815	111	37	financing	financing	NOUN
easat-5815	111	38	structures	structure	NOUN
easat-5815	111	39	and	and	CCONJ
easat-5815	111	40	funding	funding	NOUN
easat-5815	111	41	in	in	ADP
easat-5815	111	42	sharia	sharia	PROPN
easat-5815	111	43	banks	bank	NOUN
easat-5815	111	44	.	.	PUNCT
easat-5815	112	1	lidyah	lidyah	PROPN
easat-5815	112	2	,	,	PUNCT
easat-5815	112	3	et	et	PROPN
easat-5815	112	4	al	al	PROPN
easat-5815	112	5	.	.	PUNCT
easat-5815	113	1	[	[	X
easat-5815	113	2	6	6	NUM
easat-5815	113	3	]	]	PUNCT
easat-5815	113	4	explored	explore	VERB
easat-5815	113	5	fdr	fdr	PROPN
easat-5815	113	6	as	as	ADP
easat-5815	113	7	a	a	DET
easat-5815	113	8	mediating	mediate	VERB
easat-5815	113	9	variable	variable	NOUN
easat-5815	113	10	between	between	ADP
easat-5815	113	11	financing	financing	NOUN
easat-5815	113	12	,	,	PUNCT
easat-5815	113	13	npf	npf	NOUN
easat-5815	113	14	,	,	PUNCT
easat-5815	113	15	ocoi	ocoi	NOUN
easat-5815	113	16	,	,	PUNCT
easat-5815	113	17	and	and	CCONJ
easat-5815	113	18	profitability	profitability	NOUN
easat-5815	113	19	in	in	ADP
easat-5815	113	20	sharia	sharia	PROPN
easat-5815	113	21	banks	bank	NOUN
easat-5815	113	22	,	,	PUNCT
easat-5815	113	23	relevance	relevance	NOUN
easat-5815	113	24	:	:	PUNCT
easat-5815	113	25	introduced	introduce	VERB
easat-5815	113	26	fdr	fdr	PROPN
easat-5815	113	27	as	as	ADP
easat-5815	113	28	a	a	DET
easat-5815	113	29	key	key	ADJ
easat-5815	113	30	variable	variable	NOUN
easat-5815	113	31	in	in	ADP
easat-5815	113	32	financial	financial	ADJ
easat-5815	113	33	performance	performance	NOUN
easat-5815	113	34	mediation	mediation	NOUN
easat-5815	113	35	,	,	PUNCT
easat-5815	113	36	which	which	PRON
easat-5815	113	37	aligns	align	VERB
easat-5815	113	38	with	with	ADP
easat-5815	113	39	the	the	DET
easat-5815	113	40	current	current	ADJ
easat-5815	113	41	study	study	NOUN
easat-5815	113	42	's	's	PART
easat-5815	113	43	focus	focus	NOUN
easat-5815	113	44	.	.	PUNCT
easat-5815	114	1	rachmawati	rachmawati	NOUN
easat-5815	114	2	and	and	CCONJ
easat-5815	114	3	marwansyah	marwansyah	PRON
easat-5815	115	1	[	[	X
easat-5815	115	2	8	8	NUM
easat-5815	115	3	]	]	X
easat-5815	115	4	an	an	DET
easat-5815	115	5	examination	examination	NOUN
easat-5815	115	6	was	be	AUX
easat-5815	115	7	conducted	conduct	VERB
easat-5815	115	8	on	on	ADP
easat-5815	115	9	the	the	DET
easat-5815	115	10	influence	influence	NOUN
easat-5815	115	11	of	of	ADP
easat-5815	115	12	inflation	inflation	NOUN
easat-5815	115	13	,	,	PUNCT
easat-5815	115	14	bi	bi	ADJ
easat-5815	115	15	rate	rate	NOUN
easat-5815	115	16	,	,	PUNCT
easat-5815	115	17	car	car	NOUN
easat-5815	115	18	,	,	PUNCT
easat-5815	115	19	npl	npl	PROPN
easat-5815	115	20	,	,	PUNCT
easat-5815	115	21	and	and	CCONJ
easat-5815	115	22	ocoi	ocoi	NOUN
easat-5815	115	23	on	on	ADP
easat-5815	115	24	roa	roa	PROPN
easat-5815	115	25	in	in	ADP
easat-5815	115	26	state	state	NOUN
easat-5815	115	27	-	-	PUNCT
easat-5815	115	28	controlled	control	VERB
easat-5815	115	29	banks	bank	NOUN
easat-5815	115	30	,	,	PUNCT
easat-5815	115	31	discovering	discover	VERB
easat-5815	115	32	a	a	DET
easat-5815	115	33	significant	significant	ADJ
easat-5815	115	34	negative	negative	ADJ
easat-5815	115	35	correlation	correlation	NOUN
easat-5815	115	36	between	between	ADP
easat-5815	115	37	ocoi	ocoi	NOUN
easat-5815	115	38	and	and	CCONJ
easat-5815	115	39	roa	roa	NOUN
easat-5815	115	40	.	.	PUNCT
easat-5815	116	1	the	the	DET
easat-5815	116	2	relevance	relevance	NOUN
easat-5815	116	3	of	of	ADP
easat-5815	116	4	this	this	DET
easat-5815	116	5	finding	finding	NOUN
easat-5815	116	6	illustrates	illustrate	VERB
easat-5815	116	7	the	the	DET
easat-5815	116	8	inverse	inverse	NOUN
easat-5815	116	9	relationship	relationship	NOUN
easat-5815	116	10	between	between	ADP
easat-5815	116	11	operational	operational	ADJ
easat-5815	116	12	expenditures	expenditure	NOUN
easat-5815	116	13	and	and	CCONJ
easat-5815	116	14	profitability	profitability	NOUN
easat-5815	116	15	,	,	PUNCT
easat-5815	116	16	a	a	DET
easat-5815	116	17	central	central	ADJ
easat-5815	116	18	theme	theme	NOUN
easat-5815	116	19	within	within	ADP
easat-5815	116	20	the	the	DET
easat-5815	116	21	current	current	ADJ
easat-5815	116	22	research	research	NOUN
easat-5815	116	23	.	.	PUNCT
easat-5815	117	1	suardana	suardana	PROPN
easat-5815	117	2	,	,	PUNCT
easat-5815	117	3	et	et	PROPN
easat-5815	117	4	al	al	PROPN
easat-5815	117	5	.	.	PUNCT
easat-5815	118	1	[	[	X
easat-5815	118	2	9	9	NUM
easat-5815	118	3	]	]	PUNCT
easat-5815	118	4	research	research	NOUN
easat-5815	118	5	indicates	indicate	VERB
easat-5815	118	6	car	car	NOUN
easat-5815	118	7	,	,	PUNCT
easat-5815	118	8	ldr	ldr	PROPN
easat-5815	118	9	,	,	PUNCT
easat-5815	118	10	nim	nim	PROPN
easat-5815	118	11	,	,	PUNCT
easat-5815	118	12	and	and	CCONJ
easat-5815	118	13	ocoi	ocoi	NOUN
easat-5815	118	14	are	be	AUX
easat-5815	118	15	key	key	ADJ
easat-5815	118	16	determinants	determinant	NOUN
easat-5815	118	17	of	of	ADP
easat-5815	118	18	roa	roa	NOUN
easat-5815	118	19	and	and	CCONJ
easat-5815	118	20	profit	profit	NOUN
easat-5815	118	21	variability	variability	NOUN
easat-5815	118	22	in	in	ADP
easat-5815	118	23	banking	banking	NOUN
easat-5815	118	24	institutions	institution	NOUN
easat-5815	118	25	.	.	PUNCT
easat-5815	119	1	relevance	relevance	NOUN
easat-5815	119	2	:	:	PUNCT
easat-5815	119	3	confirms	confirm	VERB
easat-5815	119	4	ocoi	ocoi	NOUN
easat-5815	119	5	's	's	PART
easat-5815	119	6	significant	significant	ADJ
easat-5815	119	7	impact	impact	NOUN
easat-5815	119	8	on	on	ADP
easat-5815	119	9	bank	bank	NOUN
easat-5815	119	10	performance	performance	NOUN
easat-5815	119	11	,	,	PUNCT
easat-5815	119	12	supporting	support	VERB
easat-5815	119	13	its	its	PRON
easat-5815	119	14	use	use	NOUN
easat-5815	119	15	as	as	ADP
easat-5815	119	16	a	a	DET
easat-5815	119	17	variable	variable	NOUN
easat-5815	119	18	in	in	ADP
easat-5815	119	19	this	this	DET
easat-5815	119	20	study	study	NOUN
easat-5815	119	21	.	.	PUNCT
easat-5815	120	1	elena	elena	NOUN
easat-5815	120	2	and	and	CCONJ
easat-5815	120	3	nurwahidin	nurwahidin	ADJ
easat-5815	120	4	[	[	X
easat-5815	120	5	7	7	NUM
easat-5815	120	6	]	]	PUNCT
easat-5815	120	7	found	find	VERB
easat-5815	120	8	that	that	SCONJ
easat-5815	120	9	financial	financial	ADJ
easat-5815	120	10	variables	variable	NOUN
easat-5815	120	11	like	like	ADP
easat-5815	120	12	fdr	fdr	PROPN
easat-5815	120	13	,	,	PUNCT
easat-5815	120	14	npf	npf	NOUN
easat-5815	120	15	,	,	PUNCT
easat-5815	120	16	ocoi	ocoi	NOUN
easat-5815	120	17	,	,	PUNCT
easat-5815	120	18	and	and	CCONJ
easat-5815	120	19	car	car	NOUN
easat-5815	120	20	explain	explain	VERB
easat-5815	120	21	97.15	97.15	NUM
easat-5815	120	22	%	%	NOUN
easat-5815	120	23	of	of	ADP
easat-5815	120	24	the	the	DET
easat-5815	120	25	variation	variation	NOUN
easat-5815	120	26	in	in	ADP
easat-5815	120	27	roa	roa	PROPN
easat-5815	120	28	in	in	ADP
easat-5815	120	29	sharia	sharia	PROPN
easat-5815	120	30	commercial	commercial	ADJ
easat-5815	120	31	banks	bank	NOUN
easat-5815	120	32	,	,	PUNCT
easat-5815	120	33	relevance	relevance	NOUN
easat-5815	120	34	:	:	PUNCT
easat-5815	120	35	reinforces	reinforce	VERB
easat-5815	120	36	the	the	DET
easat-5815	120	37	integration	integration	NOUN
easat-5815	120	38	of	of	ADP
easat-5815	120	39	fdr	fdr	PROPN
easat-5815	120	40	,	,	PUNCT
easat-5815	120	41	npf	npf	NOUN
easat-5815	120	42	,	,	PUNCT
easat-5815	120	43	and	and	CCONJ
easat-5815	120	44	ocoi	ocoi	NOUN
easat-5815	120	45	as	as	ADP
easat-5815	120	46	critical	critical	ADJ
easat-5815	120	47	variables	variable	NOUN
easat-5815	120	48	in	in	ADP
easat-5815	120	49	understanding	understand	VERB
easat-5815	120	50	roa	roa	PROPN
easat-5815	120	51	.	.	PUNCT
easat-5815	121	1	hafilah	hafilah	ADJ
easat-5815	121	2	and	and	CCONJ
easat-5815	121	3	mahardika	mahardika	X
easat-5815	122	1	[	[	X
easat-5815	122	2	10	10	NUM
easat-5815	122	3	]	]	PUNCT
easat-5815	122	4	identified	identify	VERB
easat-5815	122	5	the	the	DET
easat-5815	122	6	effects	effect	NOUN
easat-5815	122	7	of	of	ADP
easat-5815	122	8	ocoi	ocoi	NOUN
easat-5815	122	9	,	,	PUNCT
easat-5815	122	10	fdr	fdr	PROPN
easat-5815	122	11	,	,	PUNCT
easat-5815	122	12	and	and	CCONJ
easat-5815	122	13	car	car	NOUN
easat-5815	122	14	on	on	ADP
easat-5815	122	15	npf	npf	PROPN
easat-5815	122	16	,	,	PUNCT
easat-5815	122	17	emphasizing	emphasize	VERB
easat-5815	122	18	financing	financing	NOUN
easat-5815	122	19	risk	risk	NOUN
easat-5815	122	20	management	management	NOUN
easat-5815	122	21	.	.	PUNCT
easat-5815	123	1	relevance	relevance	NOUN
easat-5815	123	2	:	:	PUNCT
easat-5815	123	3	underlines	underline	VERB
easat-5815	123	4	the	the	DET
easat-5815	123	5	importance	importance	NOUN
easat-5815	123	6	of	of	ADP
easat-5815	123	7	operational	operational	ADJ
easat-5815	123	8	and	and	CCONJ
easat-5815	123	9	financing	financing	NOUN
easat-5815	123	10	variables	variable	NOUN
easat-5815	123	11	in	in	ADP
easat-5815	123	12	managing	manage	VERB
easat-5815	123	13	risks	risk	NOUN
easat-5815	123	14	,	,	PUNCT
easat-5815	123	15	directly	directly	ADV
easat-5815	123	16	linked	link	VERB
easat-5815	123	17	to	to	ADP
easat-5815	123	18	the	the	DET
easat-5815	123	19	current	current	ADJ
easat-5815	123	20	study	study	NOUN
easat-5815	123	21	's	's	PART
easat-5815	123	22	objectives	objective	NOUN
easat-5815	123	23	.	.	PUNCT
easat-5815	124	1	current	current	ADJ
easat-5815	124	2	research	research	NOUN
easat-5815	124	3	distinction	distinction	NOUN
easat-5815	124	4	are	be	AUX
easat-5815	124	5	focus	focus	NOUN
easat-5815	124	6	on	on	ADP
easat-5815	124	7	sharia	sharia	PROPN
easat-5815	124	8	business	business	NOUN
easat-5815	124	9	units	unit	NOUN
easat-5815	124	10	(	(	PUNCT
easat-5815	124	11	uus	uus	PROPN
easat-5815	124	12	)	)	PUNCT
easat-5815	124	13	,	,	PUNCT
easat-5815	124	14	unlike	unlike	ADP
easat-5815	124	15	previous	previous	ADJ
easat-5815	124	16	studies	study	NOUN
easat-5815	124	17	that	that	PRON
easat-5815	124	18	primarily	primarily	ADV
easat-5815	124	19	examined	examine	VERB
easat-5815	124	20	sharia	sharia	PROPN
easat-5815	124	21	commercial	commercial	ADJ
easat-5815	124	22	banks	bank	NOUN
easat-5815	124	23	(	(	PUNCT
easat-5815	124	24	bus	bus	NOUN
easat-5815	124	25	)	)	PUNCT
easat-5815	124	26	,	,	PUNCT
easat-5815	124	27	this	this	DET
easat-5815	124	28	research	research	NOUN
easat-5815	124	29	centers	center	NOUN
easat-5815	124	30	on	on	ADP
easat-5815	124	31	uus	uus	PROPN
easat-5815	124	32	,	,	PUNCT
easat-5815	124	33	providing	provide	VERB
easat-5815	124	34	unique	unique	ADJ
easat-5815	124	35	insights	insight	NOUN
easat-5815	124	36	into	into	ADP
easat-5815	124	37	the	the	DET
easat-5815	124	38	operations	operation	NOUN
easat-5815	124	39	and	and	CCONJ
easat-5815	124	40	risk	risk	NOUN
easat-5815	124	41	management	management	NOUN
easat-5815	124	42	of	of	ADP
easat-5815	124	43	these	these	DET
easat-5815	124	44	entities	entity	NOUN
easat-5815	124	45	;	;	PUNCT
easat-5815	124	46	integration	integration	NOUN
easat-5815	124	47	of	of	ADP
easat-5815	124	48	risk	risk	NOUN
easat-5815	124	49	management	management	NOUN
easat-5815	124	50	and	and	CCONJ
easat-5815	124	51	financial	financial	ADJ
easat-5815	124	52	performance	performance	NOUN
easat-5815	124	53	,	,	PUNCT
easat-5815	124	54	by	by	ADP
easat-5815	124	55	using	use	VERB
easat-5815	124	56	npf	npf	PROPN
easat-5815	124	57	as	as	ADP
easat-5815	124	58	a	a	DET
easat-5815	124	59	proxy	proxy	NOUN
easat-5815	124	60	for	for	ADP
easat-5815	124	61	risk	risk	NOUN
easat-5815	124	62	management	management	NOUN
easat-5815	124	63	,	,	PUNCT
easat-5815	124	64	the	the	DET
easat-5815	124	65	study	study	NOUN
easat-5815	124	66	bridges	bridge	VERB
easat-5815	124	67	the	the	DET
easat-5815	124	68	gap	gap	NOUN
easat-5815	124	69	between	between	ADP
easat-5815	124	70	operational	operational	ADJ
easat-5815	124	71	costs	cost	NOUN
easat-5815	124	72	,	,	PUNCT
easat-5815	124	73	financing	financing	NOUN
easat-5815	124	74	structure	structure	NOUN
easat-5815	124	75	,	,	PUNCT
easat-5815	124	76	and	and	CCONJ
easat-5815	124	77	their	their	PRON
easat-5815	124	78	impact	impact	NOUN
easat-5815	124	79	on	on	ADP
easat-5815	124	80	financial	financial	ADJ
easat-5815	124	81	performance	performance	NOUN
easat-5815	124	82	;	;	PUNCT
easat-5815	124	83	longitudinal	longitudinal	ADJ
easat-5815	124	84	scope	scope	NOUN
easat-5815	124	85	(	(	PUNCT
easat-5815	124	86	2014–2024	2014–2024	NUM
easat-5815	124	87	)	)	PUNCT
easat-5815	124	88	,	,	PUNCT
easat-5815	124	89	the	the	DET
easat-5815	124	90	extended	extended	ADJ
easat-5815	124	91	research	research	NOUN
easat-5815	124	92	period	period	NOUN
easat-5815	124	93	allows	allow	VERB
easat-5815	124	94	for	for	ADP
easat-5815	124	95	an	an	DET
easat-5815	124	96	in	in	ADP
easat-5815	124	97	-	-	PUNCT
easat-5815	124	98	depth	depth	NOUN
easat-5815	124	99	analysis	analysis	NOUN
easat-5815	124	100	of	of	ADP
easat-5815	124	101	trends	trend	NOUN
easat-5815	124	102	and	and	CCONJ
easat-5815	124	103	changes	change	NOUN
easat-5815	124	104	in	in	ADP
easat-5815	124	105	financial	financial	ADJ
easat-5815	124	106	performance	performance	NOUN
easat-5815	124	107	,	,	PUNCT
easat-5815	124	108	operational	operational	ADJ
easat-5815	124	109	efficiency	efficiency	NOUN
easat-5815	124	110	,	,	PUNCT
easat-5815	124	111	and	and	CCONJ
easat-5815	124	112	risk	risk	NOUN
easat-5815	124	113	management	management	NOUN
easat-5815	124	114	in	in	ADP
easat-5815	124	115	sharia	sharia	PROPN
easat-5815	124	116	business	business	NOUN
easat-5815	124	117	units	unit	NOUN
easat-5815	124	118	.	.	PUNCT
easat-5815	125	1	;	;	PUNCT
easat-5815	125	2	empirical	empirical	ADJ
easat-5815	125	3	contributions	contribution	NOUN
easat-5815	125	4	,	,	PUNCT
easat-5815	125	5	provides	provide	VERB
easat-5815	125	6	a	a	DET
easat-5815	125	7	strategic	strategic	ADJ
easat-5815	125	8	perspective	perspective	NOUN
easat-5815	125	9	on	on	ADP
easat-5815	125	10	the	the	DET
easat-5815	125	11	role	role	NOUN
easat-5815	125	12	of	of	ADP
easat-5815	125	13	financing	financing	NOUN
easat-5815	125	14	structures	structure	NOUN
easat-5815	125	15	and	and	CCONJ
easat-5815	125	16	operational	operational	ADJ
easat-5815	125	17	costs	cost	NOUN
easat-5815	125	18	in	in	ADP
easat-5815	125	19	shaping	shape	VERB
easat-5815	125	20	financial	financial	ADJ
easat-5815	125	21	performance	performance	NOUN
easat-5815	125	22	,	,	PUNCT
easat-5815	125	23	and	and	CCONJ
easat-5815	125	24	advances	advance	VERB
easat-5815	125	25	knowledge	knowledge	NOUN
easat-5815	125	26	in	in	ADP
easat-5815	125	27	islamic	islamic	ADJ
easat-5815	125	28	finance	finance	NOUN
easat-5815	125	29	and	and	CCONJ
easat-5815	125	30	banking	banking	NOUN
easat-5815	125	31	,	,	PUNCT
easat-5815	125	32	particularly	particularly	ADV
easat-5815	125	33	the	the	DET
easat-5815	125	34	relationship	relationship	NOUN
easat-5815	125	35	between	between	ADP
easat-5815	125	36	operational	operational	ADJ
easat-5815	125	37	efficiency	efficiency	NOUN
easat-5815	125	38	,	,	PUNCT
easat-5815	125	39	financing	financing	NOUN
easat-5815	125	40	risk	risk	NOUN
easat-5815	125	41	,	,	PUNCT
easat-5815	125	42	and	and	CCONJ
easat-5815	125	43	profitability	profitability	NOUN
easat-5815	125	44	.	.	PUNCT
easat-5815	126	1	research	research	NOUN
easat-5815	126	2	objectives	objective	NOUN
easat-5815	126	3	are	be	AUX
easat-5815	126	4	analyze	analyze	VERB
easat-5815	126	5	the	the	DET
easat-5815	126	6	influence	influence	NOUN
easat-5815	126	7	of	of	ADP
easat-5815	126	8	financing	finance	VERB
easat-5815	126	9	structure	structure	NOUN
easat-5815	126	10	on	on	ADP
easat-5815	126	11	funding	funding	NOUN
easat-5815	126	12	(	(	PUNCT
easat-5815	126	13	fdr	fdr	PROPN
easat-5815	126	14	)	)	PUNCT
easat-5815	126	15	on	on	ADP
easat-5815	126	16	risk	risk	NOUN
easat-5815	126	17	management	management	NOUN
easat-5815	126	18	(	(	PUNCT
easat-5815	126	19	npf	npf	PROPN
easat-5815	126	20	)	)	PUNCT
easat-5815	126	21	;	;	PUNCT
easat-5815	126	22	this	this	DET
easat-5815	126	23	study	study	NOUN
easat-5815	126	24	examines	examine	VERB
easat-5815	126	25	the	the	DET
easat-5815	126	26	link	link	NOUN
easat-5815	126	27	between	between	ADP
easat-5815	126	28	risk	risk	NOUN
easat-5815	126	29	management	management	NOUN
easat-5815	126	30	(	(	PUNCT
easat-5815	126	31	npf	npf	PROPN
easat-5815	126	32	)	)	PUNCT
easat-5815	126	33	and	and	CCONJ
easat-5815	126	34	financial	financial	ADJ
easat-5815	126	35	performance	performance	NOUN
easat-5815	126	36	(	(	PUNCT
easat-5815	126	37	roa	roa	NOUN
easat-5815	126	38	)	)	PUNCT
easat-5815	126	39	in	in	ADP
easat-5815	126	40	islamic	islamic	ADJ
easat-5815	126	41	banking	banking	NOUN
easat-5815	126	42	business	business	NOUN
easat-5815	126	43	units	unit	NOUN
easat-5815	126	44	.	.	PUNCT
easat-5815	127	1	;	;	PUNCT
easat-5815	127	2	investigate	investigate	VERB
easat-5815	127	3	the	the	DET
easat-5815	127	4	mediating	mediate	VERB
easat-5815	127	5	role	role	NOUN
easat-5815	127	6	of	of	ADP
easat-5815	127	7	risk	risk	NOUN
easat-5815	127	8	management	management	NOUN
easat-5815	127	9	(	(	PUNCT
easat-5815	127	10	npf	npf	PROPN
easat-5815	127	11	)	)	PUNCT
easat-5815	127	12	between	between	ADP
easat-5815	127	13	financing	finance	VERB
easat-5815	127	14	structure	structure	NOUN
easat-5815	127	15	(	(	PUNCT
easat-5815	127	16	fdr	fdr	PROPN
easat-5815	127	17	)	)	PUNCT
easat-5815	127	18	and	and	CCONJ
easat-5815	127	19	financial	financial	ADJ
easat-5815	127	20	performance	performance	NOUN
easat-5815	127	21	(	(	PUNCT
easat-5815	127	22	roa	roa	NOUN
easat-5815	127	23	)	)	PUNCT
easat-5815	127	24	,	,	PUNCT
easat-5815	127	25	also	also	ADV
easat-5815	127	26	operational	operational	ADJ
easat-5815	127	27	costs	cost	NOUN
easat-5815	127	28	on	on	ADP
easat-5815	127	29	operating	operate	VERB
easat-5815	127	30	income	income	NOUN
easat-5815	127	31	(	(	PUNCT
easat-5815	127	32	ocoi	ocoi	NOUN
easat-5815	127	33	)	)	PUNCT
easat-5815	127	34	and	and	CCONJ
easat-5815	127	35	financial	financial	ADJ
easat-5815	127	36	performance	performance	NOUN
easat-5815	127	37	(	(	PUNCT
easat-5815	127	38	roa	roa	NOUN
easat-5815	127	39	)	)	PUNCT
easat-5815	127	40	.	.	PUNCT
easat-5815	128	1	this	this	DET
easat-5815	128	2	study	study	NOUN
easat-5815	128	3	expands	expand	VERB
easat-5815	128	4	on	on	ADP
easat-5815	128	5	previous	previous	ADJ
easat-5815	128	6	research	research	NOUN
easat-5815	128	7	by	by	ADP
easat-5815	128	8	offering	offer	VERB
easat-5815	128	9	an	an	DET
easat-5815	128	10	integrative	integrative	ADJ
easat-5815	128	11	framework	framework	NOUN
easat-5815	128	12	to	to	PART
easat-5815	128	13	assess	assess	VERB
easat-5815	128	14	the	the	DET
easat-5815	128	15	interplay	interplay	NOUN
easat-5815	128	16	between	between	ADP
easat-5815	128	17	financing	financing	NOUN
easat-5815	128	18	structures	structure	NOUN
easat-5815	128	19	,	,	PUNCT
easat-5815	128	20	operational	operational	ADJ
easat-5815	128	21	efficiency	efficiency	NOUN
easat-5815	128	22	,	,	PUNCT
easat-5815	128	23	risk	risk	NOUN
easat-5815	128	24	management	management	NOUN
easat-5815	128	25	,	,	PUNCT
easat-5815	128	26	and	and	CCONJ
easat-5815	128	27	financial	financial	ADJ
easat-5815	128	28	performance	performance	NOUN
easat-5815	128	29	in	in	ADP
easat-5815	128	30	sharia	sharia	PROPN
easat-5815	128	31	business	business	NOUN
easat-5815	128	32	units	unit	NOUN
easat-5815	128	33	,	,	PUNCT
easat-5815	128	34	this	this	DET
easat-5815	128	35	research	research	NOUN
easat-5815	128	36	offers	offer	VERB
easat-5815	128	37	seminal	seminal	ADJ
easat-5815	128	38	contributions	contribution	NOUN
easat-5815	128	39	to	to	ADP
easat-5815	128	40	islamic	islamic	ADJ
easat-5815	128	41	finance	finance	NOUN
easat-5815	128	42	literature	literature	NOUN
easat-5815	128	43	,	,	PUNCT
easat-5815	128	44	informing	inform	VERB
easat-5815	128	45	scholarly	scholarly	ADJ
easat-5815	128	46	discourse	discourse	NOUN
easat-5815	128	47	and	and	CCONJ
easat-5815	128	48	professional	professional	ADJ
easat-5815	128	49	practice	practice	NOUN
easat-5815	128	50	.	.	PUNCT
easat-5815	129	1	2418	2418	NUM
easat-5815	129	2	edelweiss	edelweiss	PROPN
easat-5815	129	3	applied	apply	VERB
easat-5815	129	4	science	science	NOUN
easat-5815	129	5	and	and	CCONJ
easat-5815	129	6	technology	technology	NOUN
easat-5815	129	7	issn	issn	PROPN
easat-5815	129	8	:	:	PUNCT
easat-5815	129	9	2576	2576	NUM
easat-5815	129	10	-	-	SYM
easat-5815	129	11	8484	8484	NUM
easat-5815	129	12	vol	vol	NOUN
easat-5815	129	13	.	.	PROPN
easat-5815	130	1	9	9	NUM
easat-5815	130	2	,	,	PUNCT
easat-5815	130	3	no	no	INTJ
easat-5815	130	4	.	.	NOUN
easat-5815	131	1	3	3	NUM
easat-5815	131	2	:	:	SYM
easat-5815	131	3	2413	2413	NUM
easat-5815	131	4	-	-	SYM
easat-5815	131	5	2434	2434	NUM
easat-5815	131	6	,	,	PUNCT
easat-5815	131	7	2025	2025	NUM
easat-5815	131	8	doi	doi	NOUN
easat-5815	131	9	:	:	PUNCT
easat-5815	131	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	131	11	©	©	PROPN
easat-5815	131	12	2025	2025	NUM
easat-5815	131	13	by	by	ADP
easat-5815	131	14	the	the	DET
easat-5815	131	15	author	author	NOUN
easat-5815	131	16	;	;	PUNCT
easat-5815	131	17	licensee	licensee	PROPN
easat-5815	131	18	learning	learning	NOUN
easat-5815	131	19	gate	gate	NOUN
easat-5815	131	20	2.2	2.2	NUM
easat-5815	131	21	.	.	PUNCT
easat-5815	132	1	conceptual	conceptual	ADJ
easat-5815	132	2	framework	framework	NOUN
easat-5815	132	3	as	as	SCONJ
easat-5815	132	4	explained	explain	VERB
easat-5815	132	5	,	,	PUNCT
easat-5815	132	6	the	the	DET
easat-5815	132	7	outline	outline	NOUN
easat-5815	132	8	of	of	ADP
easat-5815	132	9	the	the	DET
easat-5815	132	10	thinking	thinking	NOUN
easat-5815	132	11	in	in	ADP
easat-5815	132	12	this	this	DET
easat-5815	132	13	research	research	NOUN
easat-5815	132	14	study	study	NOUN
easat-5815	132	15	is	be	AUX
easat-5815	132	16	:	:	PUNCT
easat-5815	132	17	figure	figure	NOUN
easat-5815	132	18	1	1	NUM
easat-5815	132	19	.	.	PUNCT
easat-5815	132	20	thought	think	VERB
easat-5815	132	21	framework	framework	NOUN
easat-5815	132	22	.	.	PUNCT
easat-5815	133	1	the	the	DET
easat-5815	133	2	hypothesis	hypothesis	NOUN
easat-5815	133	3	of	of	ADP
easat-5815	133	4	the	the	DET
easat-5815	133	5	thought	thought	NOUN
easat-5815	133	6	structure	structure	NOUN
easat-5815	133	7	in	in	ADP
easat-5815	133	8	figure	figure	NOUN
easat-5815	133	9	1	1	NUM
easat-5815	133	10	above	above	ADP
easat-5815	133	11	are	be	AUX
easat-5815	133	12	:	:	PUNCT
easat-5815	133	13	h1	h1	NOUN
easat-5815	133	14	:	:	PUNCT
easat-5815	133	15	financing	finance	VERB
easat-5815	133	16	structure	structure	NOUN
easat-5815	133	17	for	for	ADP
easat-5815	133	18	funding	funding	NOUN
easat-5815	133	19	affects	affect	VERB
easat-5815	133	20	risk	risk	NOUN
easat-5815	133	21	management	management	NOUN
easat-5815	133	22	in	in	ADP
easat-5815	133	23	sharia	sharia	PROPN
easat-5815	133	24	business	business	NOUN
easat-5815	133	25	units	unit	NOUN
easat-5815	133	26	.	.	PUNCT
easat-5815	134	1	h2	h2	NOUN
easat-5815	134	2	:	:	PUNCT
easat-5815	134	3	operating	operate	VERB
easat-5815	134	4	costs	cost	NOUN
easat-5815	134	5	to	to	ADP
easat-5815	134	6	operating	operate	VERB
easat-5815	134	7	income	income	NOUN
easat-5815	134	8	(	(	PUNCT
easat-5815	134	9	ocoi	ocoi	NOUN
easat-5815	134	10	)	)	PUNCT
easat-5815	134	11	affects	affect	VERB
easat-5815	134	12	risk	risk	NOUN
easat-5815	134	13	management	management	NOUN
easat-5815	134	14	in	in	ADP
easat-5815	134	15	sharia	sharia	PROPN
easat-5815	134	16	business	business	NOUN
easat-5815	134	17	units	unit	NOUN
easat-5815	134	18	.	.	PUNCT
easat-5815	135	1	h3	h3	NOUN
easat-5815	135	2	:	:	PUNCT
easat-5815	135	3	financing	finance	VERB
easat-5815	135	4	structure	structure	NOUN
easat-5815	135	5	for	for	ADP
easat-5815	135	6	funding	funding	NOUN
easat-5815	135	7	affects	affect	VERB
easat-5815	135	8	financial	financial	ADJ
easat-5815	135	9	performance	performance	NOUN
easat-5815	135	10	in	in	ADP
easat-5815	135	11	sharia	sharia	PROPN
easat-5815	135	12	business	business	NOUN
easat-5815	135	13	units	unit	NOUN
easat-5815	135	14	.	.	PUNCT
easat-5815	136	1	h4	h4	NOUN
easat-5815	136	2	:	:	PUNCT
easat-5815	136	3	ocoi	ocoi	NOUN
easat-5815	136	4	affects	affect	VERB
easat-5815	136	5	financial	financial	ADJ
easat-5815	136	6	performance	performance	NOUN
easat-5815	136	7	in	in	ADP
easat-5815	136	8	sharia	sharia	PROPN
easat-5815	136	9	business	business	NOUN
easat-5815	136	10	units	unit	NOUN
easat-5815	136	11	.	.	PUNCT
easat-5815	137	1	h5	h5	PROPN
easat-5815	137	2	:	:	PUNCT
easat-5815	137	3	risk	risk	NOUN
easat-5815	137	4	management	management	NOUN
easat-5815	137	5	affects	affect	VERB
easat-5815	137	6	financial	financial	ADJ
easat-5815	137	7	performance	performance	NOUN
easat-5815	137	8	in	in	ADP
easat-5815	137	9	sharia	sharia	PROPN
easat-5815	137	10	business	business	NOUN
easat-5815	137	11	units	unit	NOUN
easat-5815	137	12	.	.	PUNCT
easat-5815	138	1	h6	h6	NOUN
easat-5815	138	2	:	:	PUNCT
easat-5815	138	3	financing	finance	VERB
easat-5815	138	4	structure	structure	NOUN
easat-5815	138	5	indirectly	indirectly	ADV
easat-5815	138	6	influences	influence	VERB
easat-5815	138	7	financial	financial	ADJ
easat-5815	138	8	performance	performance	NOUN
easat-5815	138	9	through	through	ADP
easat-5815	138	10	risk	risk	NOUN
easat-5815	138	11	management	management	NOUN
easat-5815	138	12	in	in	ADP
easat-5815	138	13	sharia	sharia	PROPN
easat-5815	138	14	business	business	NOUN
easat-5815	138	15	units	unit	NOUN
easat-5815	138	16	.	.	PUNCT
easat-5815	138	17	"	"	PUNCT
easat-5815	139	1	h7	h7	PROPN
easat-5815	139	2	:	:	PUNCT
easat-5815	139	3	operational	operational	ADJ
easat-5815	139	4	costs	cost	NOUN
easat-5815	139	5	(	(	PUNCT
easat-5815	139	6	ocoi	ocoi	ADJ
easat-5815	139	7	)	)	PUNCT
easat-5815	139	8	indirectly	indirectly	ADV
easat-5815	139	9	impact	impact	VERB
easat-5815	139	10	financial	financial	ADJ
easat-5815	139	11	performance	performance	NOUN
easat-5815	139	12	,	,	PUNCT
easat-5815	139	13	mediated	mediate	VERB
easat-5815	139	14	by	by	ADP
easat-5815	139	15	risk	risk	NOUN
easat-5815	139	16	management	management	NOUN
easat-5815	139	17	in	in	ADP
easat-5815	139	18	sharia	sharia	PROPN
easat-5815	139	19	business	business	NOUN
easat-5815	139	20	units	unit	NOUN
easat-5815	139	21	.	.	PUNCT
easat-5815	140	1	2.3	2.3	NUM
easat-5815	140	2	.	.	PUNCT
easat-5815	141	1	intervariable	intervariable	ADJ
easat-5815	141	2	hypothesis	hypothesis	PROPN
easat-5815	141	3	2.3.1	2.3.1	NUM
easat-5815	141	4	.	.	PUNCT
easat-5815	141	5	hypothesis	hypothesis	NOUN
easat-5815	141	6	of	of	ADP
easat-5815	141	7	the	the	DET
easat-5815	141	8	influence	influence	NOUN
easat-5815	141	9	of	of	ADP
easat-5815	141	10	financing	finance	VERB
easat-5815	141	11	structure	structure	NOUN
easat-5815	141	12	on	on	ADP
easat-5815	141	13	funding	funding	NOUN
easat-5815	141	14	on	on	ADP
easat-5815	141	15	risk	risk	NOUN
easat-5815	141	16	management	management	NOUN
easat-5815	141	17	in	in	ADP
easat-5815	141	18	sharia	sharia	PROPN
easat-5815	141	19	business	business	NOUN
easat-5815	141	20	units	unit	NOUN
easat-5815	141	21	in	in	ADP
easat-5815	141	22	the	the	DET
easat-5815	141	23	research	research	NOUN
easat-5815	141	24	of	of	ADP
easat-5815	141	25	lidyah	lidyah	NOUN
easat-5815	141	26	,	,	PUNCT
easat-5815	141	27	et	et	PROPN
easat-5815	141	28	al	al	PROPN
easat-5815	141	29	.	.	PUNCT
easat-5815	142	1	[	[	X
easat-5815	142	2	6	6	NUM
easat-5815	142	3	]	]	PUNCT
easat-5815	142	4	stated	state	VERB
easat-5815	142	5	that	that	SCONJ
easat-5815	142	6	fdr	fdr	PROPN
easat-5815	142	7	or	or	CCONJ
easat-5815	142	8	financing	financing	NOUN
easat-5815	142	9	structure	structure	NOUN
easat-5815	142	10	for	for	ADP
easat-5815	142	11	funding	funding	NOUN
easat-5815	142	12	is	be	AUX
easat-5815	142	13	affected	affect	VERB
easat-5815	142	14	simultaneously	simultaneously	ADV
easat-5815	142	15	or	or	CCONJ
easat-5815	142	16	partially	partially	ADV
easat-5815	142	17	with	with	ADP
easat-5815	142	18	other	other	ADJ
easat-5815	142	19	x	x	PROPN
easat-5815	142	20	variables	variable	NOUN
easat-5815	142	21	on	on	ADP
easat-5815	142	22	roa	roa	PROPN
easat-5815	142	23	in	in	ADP
easat-5815	142	24	sharia	sharia	PROPN
easat-5815	142	25	commercial	commercial	ADJ
easat-5815	142	26	banks	bank	NOUN
easat-5815	142	27	,	,	PUNCT
easat-5815	142	28	where	where	SCONJ
easat-5815	142	29	the	the	DET
easat-5815	142	30	roa	roa	NOUN
easat-5815	142	31	is	be	AUX
easat-5815	142	32	the	the	DET
easat-5815	142	33	financial	financial	ADJ
easat-5815	142	34	performance	performance	NOUN
easat-5815	142	35	of	of	ADP
easat-5815	142	36	sharia	sharia	PROPN
easat-5815	142	37	banks	bank	NOUN
easat-5815	142	38	.	.	PUNCT
easat-5815	143	1	meanwhile	meanwhile	ADV
easat-5815	143	2	,	,	PUNCT
easat-5815	143	3	in	in	ADP
easat-5815	143	4	the	the	DET
easat-5815	143	5	research	research	NOUN
easat-5815	143	6	of	of	ADP
easat-5815	143	7	halim	halim	PROPN
easat-5815	143	8	and	and	CCONJ
easat-5815	143	9	buana	buana	PROPN
easat-5815	143	10	[	[	X
easat-5815	143	11	4	4	X
easat-5815	143	12	]	]	PUNCT
easat-5815	143	13	the	the	DET
easat-5815	143	14	results	result	NOUN
easat-5815	143	15	were	be	AUX
easat-5815	143	16	obtained	obtain	VERB
easat-5815	143	17	that	that	SCONJ
easat-5815	143	18	fdr	fdr	PROPN
easat-5815	143	19	had	have	VERB
easat-5815	143	20	no	no	DET
easat-5815	143	21	effect	effect	NOUN
easat-5815	143	22	on	on	ADP
easat-5815	143	23	the	the	DET
easat-5815	143	24	financial	financial	ADJ
easat-5815	143	25	performance	performance	NOUN
easat-5815	143	26	of	of	ADP
easat-5815	143	27	sharia	sharia	PROPN
easat-5815	143	28	commercial	commercial	ADJ
easat-5815	143	29	banks	bank	NOUN
easat-5815	143	30	with	with	ADP
easat-5815	143	31	roa	roa	PROPN
easat-5815	143	32	proxies	proxy	NOUN
easat-5815	143	33	.	.	PUNCT
easat-5815	144	1	so	so	ADV
easat-5815	144	2	,	,	PUNCT
easat-5815	144	3	in	in	ADP
easat-5815	144	4	the	the	DET
easat-5815	144	5	study	study	NOUN
easat-5815	144	6	a	a	DET
easat-5815	144	7	hypothesis	hypothesis	NOUN
easat-5815	144	8	was	be	AUX
easat-5815	144	9	developed	develop	VERB
easat-5815	144	10	.	.	PUNCT
easat-5815	145	1	h1	h1	NOUN
easat-5815	145	2	:	:	PUNCT
easat-5815	145	3	financing	finance	VERB
easat-5815	145	4	structure	structure	NOUN
easat-5815	145	5	for	for	ADP
easat-5815	145	6	funding	funding	NOUN
easat-5815	145	7	affects	affect	VERB
easat-5815	145	8	risk	risk	NOUN
easat-5815	145	9	management	management	NOUN
easat-5815	145	10	in	in	ADP
easat-5815	145	11	sharia	sharia	PROPN
easat-5815	145	12	business	business	NOUN
easat-5815	145	13	units	unit	NOUN
easat-5815	145	14	.	.	PUNCT
easat-5815	146	1	2.3.2	2.3.2	NUM
easat-5815	146	2	.	.	X
easat-5815	146	3	hypothesis	hypothesis	NOUN
easat-5815	146	4	of	of	ADP
easat-5815	146	5	assessing	assess	VERB
easat-5815	146	6	the	the	DET
easat-5815	146	7	impact	impact	NOUN
easat-5815	146	8	of	of	ADP
easat-5815	146	9	operational	operational	ADJ
easat-5815	146	10	costs	cost	NOUN
easat-5815	146	11	(	(	PUNCT
easat-5815	146	12	ocoi	ocoi	NOUN
easat-5815	146	13	)	)	PUNCT
easat-5815	146	14	on	on	ADP
easat-5815	146	15	risk	risk	NOUN
easat-5815	146	16	management	management	NOUN
easat-5815	146	17	effectiveness	effectiveness	NOUN
easat-5815	146	18	in	in	ADP
easat-5815	146	19	sharia	sharia	PROPN
easat-5815	146	20	business	business	NOUN
easat-5815	146	21	units	unit	NOUN
easat-5815	146	22	in	in	ADP
easat-5815	146	23	the	the	DET
easat-5815	146	24	research	research	NOUN
easat-5815	146	25	of	of	ADP
easat-5815	146	26	halim	halim	PROPN
easat-5815	146	27	and	and	CCONJ
easat-5815	146	28	buana	buana	PROPN
easat-5815	146	29	[	[	X
easat-5815	146	30	4	4	X
easat-5815	146	31	]	]	PUNCT
easat-5815	146	32	stated	state	VERB
easat-5815	146	33	that	that	SCONJ
easat-5815	146	34	operating	operating	NOUN
easat-5815	146	35	costs	cost	NOUN
easat-5815	146	36	or	or	CCONJ
easat-5815	146	37	operating	operate	VERB
easat-5815	146	38	income	income	NOUN
easat-5815	146	39	(	(	PUNCT
easat-5815	146	40	ocoi	ocoi	NOUN
easat-5815	146	41	)	)	PUNCT
easat-5815	146	42	have	have	VERB
easat-5815	146	43	a	a	DET
easat-5815	146	44	negative	negative	ADJ
easat-5815	146	45	effect	effect	NOUN
easat-5815	146	46	on	on	ADP
easat-5815	146	47	the	the	DET
easat-5815	146	48	financial	financial	ADJ
easat-5815	146	49	performance	performance	NOUN
easat-5815	146	50	of	of	ADP
easat-5815	146	51	sharia	sharia	PROPN
easat-5815	146	52	commercial	commercial	ADJ
easat-5815	146	53	banks	bank	NOUN
easat-5815	146	54	.	.	PUNCT
easat-5815	147	1	meanwhile	meanwhile	ADV
easat-5815	147	2	,	,	PUNCT
easat-5815	147	3	in	in	ADP
easat-5815	147	4	the	the	DET
easat-5815	147	5	elena	elena	NOUN
easat-5815	147	6	and	and	CCONJ
easat-5815	147	7	nurwahidin	nurwahidin	ADJ
easat-5815	147	8	[	[	X
easat-5815	147	9	7	7	NUM
easat-5815	147	10	]	]	X
easat-5815	147	11	research	research	NOUN
easat-5815	147	12	,	,	PUNCT
easat-5815	147	13	the	the	DET
easat-5815	147	14	results	result	NOUN
easat-5815	147	15	of	of	ADP
easat-5815	147	16	their	their	PRON
easat-5815	147	17	research	research	NOUN
easat-5815	147	18	stated	state	VERB
easat-5815	147	19	that	that	SCONJ
easat-5815	147	20	financial	financial	ADJ
easat-5815	147	21	performance	performance	NOUN
easat-5815	147	22	in	in	ADP
easat-5815	147	23	sharia	sharia	PROPN
easat-5815	147	24	commercial	commercial	ADJ
easat-5815	147	25	banks	bank	NOUN
easat-5815	147	26	was	be	AUX
easat-5815	147	27	influenced	influence	VERB
easat-5815	147	28	simultaneously	simultaneously	ADV
easat-5815	147	29	or	or	CCONJ
easat-5815	147	30	partially	partially	ADV
easat-5815	147	31	by	by	ADP
easat-5815	147	32	operational	operational	ADJ
easat-5815	147	33	cost	cost	NOUN
easat-5815	147	34	on	on	ADP
easat-5815	147	35	operational	operational	ADJ
easat-5815	147	36	income	income	NOUN
easat-5815	147	37	(	(	PUNCT
easat-5815	147	38	ocoi	ocoi	NOUN
easat-5815	147	39	)	)	PUNCT
easat-5815	147	40	,	,	PUNCT
easat-5815	147	41	meaning	mean	VERB
easat-5815	147	42	that	that	SCONJ
easat-5815	147	43	both	both	DET
easat-5815	147	44	studies	study	NOUN
easat-5815	147	45	produced	produce	VERB
easat-5815	147	46	the	the	DET
easat-5815	147	47	same	same	ADJ
easat-5815	147	48	.	.	PUNCT
easat-5815	148	1	in	in	ADP
easat-5815	148	2	connection	connection	NOUN
easat-5815	148	3	with	with	ADP
easat-5815	148	4	this	this	PRON
easat-5815	148	5	the	the	DET
easat-5815	148	6	hypothesis	hypothesis	NOUN
easat-5815	148	7	formulated	formulate	VERB
easat-5815	148	8	is	be	AUX
easat-5815	148	9	:	:	PUNCT
easat-5815	148	10	h2	h2	NOUN
easat-5815	148	11	:	:	PUNCT
easat-5815	148	12	ocoi	ocoi	NOUN
easat-5815	148	13	affects	affect	VERB
easat-5815	148	14	risk	risk	NOUN
easat-5815	148	15	management	management	NOUN
easat-5815	148	16	in	in	ADP
easat-5815	148	17	sharia	sharia	PROPN
easat-5815	148	18	business	business	NOUN
easat-5815	148	19	units	unit	NOUN
easat-5815	148	20	.	.	PUNCT
easat-5815	149	1	2419	2419	NUM
easat-5815	149	2	edelweiss	edelweiss	PROPN
easat-5815	149	3	applied	apply	VERB
easat-5815	149	4	science	science	NOUN
easat-5815	149	5	and	and	CCONJ
easat-5815	149	6	technology	technology	NOUN
easat-5815	149	7	issn	issn	PROPN
easat-5815	149	8	:	:	PUNCT
easat-5815	149	9	2576	2576	NUM
easat-5815	149	10	-	-	SYM
easat-5815	149	11	8484	8484	NUM
easat-5815	149	12	vol	vol	NOUN
easat-5815	149	13	.	.	PROPN
easat-5815	150	1	9	9	NUM
easat-5815	150	2	,	,	PUNCT
easat-5815	150	3	no	no	INTJ
easat-5815	150	4	.	.	NOUN
easat-5815	151	1	3	3	NUM
easat-5815	151	2	:	:	SYM
easat-5815	151	3	2413	2413	NUM
easat-5815	151	4	-	-	SYM
easat-5815	151	5	2434	2434	NUM
easat-5815	151	6	,	,	PUNCT
easat-5815	151	7	2025	2025	NUM
easat-5815	151	8	doi	doi	NOUN
easat-5815	151	9	:	:	PUNCT
easat-5815	151	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	151	11	©	©	PROPN
easat-5815	151	12	2025	2025	NUM
easat-5815	151	13	by	by	ADP
easat-5815	151	14	the	the	DET
easat-5815	151	15	author	author	NOUN
easat-5815	151	16	;	;	PUNCT
easat-5815	151	17	licensee	licensee	PROPN
easat-5815	151	18	learning	learn	VERB
easat-5815	151	19	gate	gate	NOUN
easat-5815	151	20	2.3.3	2.3.3	NUM
easat-5815	151	21	.	.	PUNCT
easat-5815	152	1	hypothesis	hypothesis	NOUN
easat-5815	152	2	of	of	ADP
easat-5815	152	3	the	the	DET
easat-5815	152	4	influence	influence	NOUN
easat-5815	152	5	of	of	ADP
easat-5815	152	6	financing	finance	VERB
easat-5815	152	7	structure	structure	NOUN
easat-5815	152	8	on	on	ADP
easat-5815	152	9	funding	funding	NOUN
easat-5815	152	10	on	on	ADP
easat-5815	152	11	financial	financial	ADJ
easat-5815	152	12	performance	performance	NOUN
easat-5815	152	13	of	of	ADP
easat-5815	152	14	sharia	sharia	PROPN
easat-5815	152	15	business	business	NOUN
easat-5815	152	16	units	unit	NOUN
easat-5815	152	17	in	in	ADP
easat-5815	152	18	the	the	DET
easat-5815	152	19	research	research	NOUN
easat-5815	152	20	of	of	ADP
easat-5815	152	21	lidyah	lidyah	NOUN
easat-5815	152	22	,	,	PUNCT
easat-5815	152	23	et	et	PROPN
easat-5815	152	24	al	al	PROPN
easat-5815	152	25	.	.	PUNCT
easat-5815	153	1	[	[	X
easat-5815	153	2	6	6	NUM
easat-5815	153	3	]	]	PUNCT
easat-5815	153	4	stated	state	VERB
easat-5815	153	5	in	in	ADP
easat-5815	153	6	the	the	DET
easat-5815	153	7	conclusion	conclusion	NOUN
easat-5815	153	8	of	of	ADP
easat-5815	153	9	his	his	PRON
easat-5815	153	10	research	research	NOUN
easat-5815	153	11	,	,	PUNCT
easat-5815	153	12	that	that	SCONJ
easat-5815	153	13	npf	npf	PROPN
easat-5815	153	14	has	have	VERB
easat-5815	153	15	a	a	DET
easat-5815	153	16	negative	negative	ADJ
easat-5815	153	17	effect	effect	NOUN
easat-5815	153	18	on	on	ADP
easat-5815	153	19	revenue	revenue	NOUN
easat-5815	153	20	,	,	PUNCT
easat-5815	153	21	where	where	SCONJ
easat-5815	153	22	this	this	DET
easat-5815	153	23	income	income	NOUN
easat-5815	153	24	is	be	AUX
easat-5815	153	25	part	part	NOUN
easat-5815	153	26	of	of	ADP
easat-5815	153	27	the	the	DET
easat-5815	153	28	assessment	assessment	NOUN
easat-5815	153	29	of	of	ADP
easat-5815	153	30	the	the	DET
easat-5815	153	31	financial	financial	ADJ
easat-5815	153	32	performance	performance	NOUN
easat-5815	153	33	of	of	ADP
easat-5815	153	34	sharia	sharia	PROPN
easat-5815	153	35	commercial	commercial	ADJ
easat-5815	153	36	banks	bank	NOUN
easat-5815	153	37	.	.	PUNCT
easat-5815	154	1	meanwhile	meanwhile	ADV
easat-5815	154	2	,	,	PUNCT
easat-5815	154	3	in	in	ADP
easat-5815	154	4	research	research	NOUN
easat-5815	154	5	elena	elena	NOUN
easat-5815	154	6	and	and	CCONJ
easat-5815	154	7	nurwahidin	nurwahidin	ADJ
easat-5815	154	8	[	[	X
easat-5815	154	9	7	7	NUM
easat-5815	154	10	]	]	PUNCT
easat-5815	154	11	concluded	conclude	VERB
easat-5815	154	12	that	that	SCONJ
easat-5815	154	13	npf	npf	PROPN
easat-5815	154	14	has	have	VERB
easat-5815	154	15	a	a	DET
easat-5815	154	16	simultaneous	simultaneous	ADJ
easat-5815	154	17	or	or	CCONJ
easat-5815	154	18	partial	partial	ADJ
easat-5815	154	19	effect	effect	NOUN
easat-5815	154	20	on	on	ADP
easat-5815	154	21	roa	roa	PROPN
easat-5815	154	22	where	where	SCONJ
easat-5815	154	23	the	the	DET
easat-5815	154	24	roa	roa	NOUN
easat-5815	154	25	is	be	AUX
easat-5815	154	26	part	part	NOUN
easat-5815	154	27	of	of	ADP
easat-5815	154	28	the	the	DET
easat-5815	154	29	financial	financial	ADJ
easat-5815	154	30	performance	performance	NOUN
easat-5815	154	31	of	of	ADP
easat-5815	154	32	sharia	sharia	PROPN
easat-5815	154	33	commercial	commercial	ADJ
easat-5815	154	34	banks	bank	NOUN
easat-5815	154	35	.	.	PUNCT
easat-5815	155	1	meanwhile	meanwhile	ADV
easat-5815	155	2	,	,	PUNCT
easat-5815	155	3	in	in	ADP
easat-5815	155	4	other	other	ADJ
easat-5815	155	5	studies4	studies4	NOUN
easat-5815	155	6	,	,	PUNCT
easat-5815	155	7	the	the	DET
easat-5815	155	8	conclusion	conclusion	NOUN
easat-5815	155	9	states	state	VERB
easat-5815	155	10	that	that	SCONJ
easat-5815	155	11	npf	npf	PROPN
easat-5815	155	12	does	do	AUX
easat-5815	155	13	not	not	PART
easat-5815	155	14	have	have	VERB
easat-5815	155	15	a	a	DET
easat-5815	155	16	significant	significant	ADJ
easat-5815	155	17	effect	effect	NOUN
easat-5815	155	18	on	on	ADP
easat-5815	155	19	financial	financial	ADJ
easat-5815	155	20	performance	performance	NOUN
easat-5815	155	21	with	with	ADP
easat-5815	155	22	roa	roa	PROPN
easat-5815	155	23	proxies	proxy	NOUN
easat-5815	155	24	in	in	ADP
easat-5815	155	25	sharia	sharia	PROPN
easat-5815	155	26	commercial	commercial	ADJ
easat-5815	155	27	banks	bank	NOUN
easat-5815	155	28	.	.	PUNCT
easat-5815	156	1	based	base	VERB
easat-5815	156	2	on	on	ADP
easat-5815	156	3	this	this	PRON
easat-5815	156	4	,	,	PUNCT
easat-5815	156	5	the	the	DET
easat-5815	156	6	hypothesis	hypothesis	NOUN
easat-5815	156	7	that	that	PRON
easat-5815	156	8	is	be	AUX
easat-5815	156	9	constructed	construct	VERB
easat-5815	156	10	is	be	AUX
easat-5815	156	11	:	:	PUNCT
easat-5815	156	12	h3	h3	NOUN
easat-5815	156	13	:	:	PUNCT
easat-5815	156	14	financing	finance	VERB
easat-5815	156	15	structure	structure	NOUN
easat-5815	156	16	for	for	ADP
easat-5815	156	17	funding	funding	NOUN
easat-5815	156	18	affects	affect	VERB
easat-5815	156	19	the	the	DET
easat-5815	156	20	performance	performance	NOUN
easat-5815	156	21	of	of	ADP
easat-5815	156	22	finance	finance	NOUN
easat-5815	156	23	on	on	ADP
easat-5815	156	24	sharia	sharia	PROPN
easat-5815	156	25	business	business	NOUN
easat-5815	156	26	units	unit	NOUN
easat-5815	156	27	.	.	PUNCT
easat-5815	157	1	2.3.4	2.3.4	X
easat-5815	157	2	.	.	X
easat-5815	157	3	hypothesis	hypothesis	NOUN
easat-5815	157	4	of	of	ADP
easat-5815	157	5	the	the	DET
easat-5815	157	6	influence	influence	NOUN
easat-5815	157	7	of	of	ADP
easat-5815	157	8	ocoi	ocoi	NOUN
easat-5815	157	9	on	on	ADP
easat-5815	157	10	the	the	DET
easat-5815	157	11	performance	performance	NOUN
easat-5815	157	12	finance	finance	NOUN
easat-5815	157	13	on	on	ADP
easat-5815	157	14	sharia	sharia	PROPN
easat-5815	157	15	business	business	NOUN
easat-5815	157	16	units	unit	NOUN
easat-5815	157	17	the	the	DET
easat-5815	157	18	next	next	ADJ
easat-5815	157	19	hypothesis	hypothesis	NOUN
easat-5815	157	20	in	in	ADP
easat-5815	157	21	terms	term	NOUN
easat-5815	157	22	of	of	ADP
easat-5815	157	23	risk	risk	NOUN
easat-5815	157	24	management	management	NOUN
easat-5815	157	25	as	as	ADP
easat-5815	157	26	an	an	DET
easat-5815	157	27	intervening	intervene	VERB
easat-5815	157	28	variable	variable	NOUN
easat-5815	157	29	is	be	AUX
easat-5815	157	30	one	one	NUM
easat-5815	157	31	that	that	PRON
easat-5815	157	32	refers	refer	VERB
easat-5815	157	33	to	to	ADP
easat-5815	157	34	the	the	DET
easat-5815	157	35	research	research	NOUN
easat-5815	157	36	of	of	ADP
easat-5815	157	37	lidyah	lidyah	NOUN
easat-5815	157	38	,	,	PUNCT
easat-5815	157	39	et	et	PROPN
easat-5815	157	40	al	al	PROPN
easat-5815	157	41	.	.	PUNCT
easat-5815	158	1	[	[	X
easat-5815	158	2	6	6	NUM
easat-5815	158	3	]	]	PUNCT
easat-5815	158	4	where	where	SCONJ
easat-5815	158	5	it	it	PRON
easat-5815	158	6	was	be	AUX
easat-5815	158	7	concluded	conclude	VERB
easat-5815	158	8	that	that	SCONJ
easat-5815	158	9	fdr	fdr	PROPN
easat-5815	158	10	was	be	AUX
easat-5815	158	11	not	not	PART
easat-5815	158	12	affected	affect	VERB
easat-5815	158	13	by	by	ADP
easat-5815	158	14	npf	npf	PROPN
easat-5815	158	15	.	.	PUNCT
easat-5815	158	16	however	however	ADV
easat-5815	158	17	,	,	PUNCT
easat-5815	158	18	according	accord	VERB
easat-5815	158	19	to	to	ADP
easat-5815	158	20	suardana	suardana	NOUN
easat-5815	158	21	,	,	PUNCT
easat-5815	158	22	et	et	PROPN
easat-5815	158	23	al	al	PROPN
easat-5815	158	24	.	.	PUNCT
easat-5815	159	1	[	[	X
easat-5815	159	2	9	9	X
easat-5815	159	3	]	]	PUNCT
easat-5815	159	4	that	that	SCONJ
easat-5815	159	5	operating	operate	VERB
easat-5815	159	6	expenses	expense	NOUN
easat-5815	159	7	operating	operating	NOUN
easat-5815	159	8	income	income	NOUN
easat-5815	159	9	(	(	PUNCT
easat-5815	159	10	ocoi	ocoi	NOUN
easat-5815	159	11	)	)	PUNCT
easat-5815	159	12	has	have	VERB
easat-5815	159	13	a	a	DET
easat-5815	159	14	negative	negative	ADJ
easat-5815	159	15	effect	effect	NOUN
easat-5815	159	16	on	on	ADP
easat-5815	159	17	profit	profit	NOUN
easat-5815	159	18	changes	change	NOUN
easat-5815	159	19	.	.	PUNCT
easat-5815	160	1	so	so	ADV
easat-5815	160	2	,	,	PUNCT
easat-5815	160	3	in	in	ADP
easat-5815	160	4	the	the	DET
easat-5815	160	5	study	study	NOUN
easat-5815	160	6	a	a	DET
easat-5815	160	7	hypothesis	hypothesis	NOUN
easat-5815	160	8	was	be	AUX
easat-5815	160	9	developed	develop	VERB
easat-5815	160	10	.	.	PUNCT
easat-5815	161	1	h4	h4	NOUN
easat-5815	161	2	:	:	PUNCT
easat-5815	161	3	ocoi	ocoi	NOUN
easat-5815	161	4	affects	affect	VERB
easat-5815	161	5	financial	financial	ADJ
easat-5815	161	6	performance	performance	NOUN
easat-5815	161	7	in	in	ADP
easat-5815	161	8	sharia	sharia	PROPN
easat-5815	161	9	business	business	NOUN
easat-5815	161	10	units	unit	NOUN
easat-5815	161	11	.	.	PUNCT
easat-5815	162	1	2.3.5	2.3.5	NUM
easat-5815	162	2	.	.	X
easat-5815	162	3	hypothesis	hypothesis	NOUN
easat-5815	162	4	of	of	ADP
easat-5815	162	5	the	the	DET
easat-5815	162	6	risk	risk	NOUN
easat-5815	162	7	management	management	NOUN
easat-5815	162	8	's	's	PART
easat-5815	162	9	impact	impact	NOUN
easat-5815	162	10	on	on	ADP
easat-5815	162	11	financial	financial	ADJ
easat-5815	162	12	performance	performance	NOUN
easat-5815	162	13	in	in	ADP
easat-5815	162	14	sharia	sharia	PROPN
easat-5815	162	15	banking	banking	NOUN
easat-5815	162	16	:	:	PUNCT
easat-5815	162	17	a	a	DET
easat-5815	162	18	hypothetical	hypothetical	ADJ
easat-5815	162	19	framework	framework	NOUN
easat-5815	162	20	this	this	DET
easat-5815	162	21	hypothesis	hypothesis	NOUN
easat-5815	162	22	builds	build	VERB
easat-5815	162	23	on	on	ADP
easat-5815	162	24	lidyah	lidyah	NOUN
easat-5815	162	25	,	,	PUNCT
easat-5815	162	26	et	et	PROPN
easat-5815	162	27	al	al	PROPN
easat-5815	162	28	.	.	PUNCT
easat-5815	163	1	[	[	X
easat-5815	163	2	6	6	NUM
easat-5815	163	3	]	]	PUNCT
easat-5815	163	4	findings	finding	NOUN
easat-5815	163	5	indicating	indicate	VERB
easat-5815	163	6	npf	npf	PROPN
easat-5815	163	7	's	's	PART
easat-5815	163	8	impact	impact	NOUN
easat-5815	163	9	on	on	ADP
easat-5815	163	10	revenue	revenue	NOUN
easat-5815	163	11	and	and	CCONJ
easat-5815	163	12	roa	roa	NOUN
easat-5815	163	13	.	.	PUNCT
easat-5815	164	1	so	so	ADV
easat-5815	164	2	that	that	SCONJ
easat-5815	164	3	the	the	DET
easat-5815	164	4	hypothesis	hypothesis	NOUN
easat-5815	164	5	built	build	VERB
easat-5815	164	6	in	in	ADP
easat-5815	164	7	this	this	DET
easat-5815	164	8	research	research	NOUN
easat-5815	164	9	study	study	NOUN
easat-5815	164	10	is	be	AUX
easat-5815	164	11	:	:	PUNCT
easat-5815	164	12	h5	h5	PROPN
easat-5815	164	13	:	:	PUNCT
easat-5815	164	14	a	a	DET
easat-5815	164	15	significant	significant	ADJ
easat-5815	164	16	correlation	correlation	NOUN
easat-5815	164	17	exists	exist	VERB
easat-5815	164	18	between	between	ADP
easat-5815	164	19	risk	risk	NOUN
easat-5815	164	20	management	management	NOUN
easat-5815	164	21	(	(	PUNCT
easat-5815	164	22	npf	npf	PROPN
easat-5815	164	23	)	)	PUNCT
easat-5815	164	24	and	and	CCONJ
easat-5815	164	25	financial	financial	ADJ
easat-5815	164	26	performance	performance	NOUN
easat-5815	164	27	(	(	PUNCT
easat-5815	164	28	roa	roa	NOUN
easat-5815	164	29	)	)	PUNCT
easat-5815	164	30	in	in	ADP
easat-5815	164	31	sharia	sharia	NOUN
easat-5815	164	32	-	-	PUNCT
easat-5815	164	33	compliant	compliant	ADJ
easat-5815	164	34	business	business	NOUN
easat-5815	164	35	units	unit	NOUN
easat-5815	164	36	.	.	PUNCT
easat-5815	165	1	2.3.6	2.3.6	NUM
easat-5815	165	2	.	.	X
easat-5815	165	3	hypothesis	hypothesis	NOUN
easat-5815	165	4	of	of	ADP
easat-5815	165	5	the	the	DET
easat-5815	165	6	influence	influence	NOUN
easat-5815	165	7	of	of	ADP
easat-5815	165	8	financing	finance	VERB
easat-5815	165	9	structure	structure	NOUN
easat-5815	165	10	on	on	ADP
easat-5815	165	11	funding	funding	NOUN
easat-5815	165	12	on	on	ADP
easat-5815	165	13	the	the	DET
easat-5815	165	14	performance	performance	NOUN
easat-5815	165	15	of	of	ADP
easat-5815	165	16	finance	finance	NOUN
easat-5815	165	17	with	with	ADP
easat-5815	165	18	the	the	DET
easat-5815	165	19	management	management	NOUN
easat-5815	165	20	of	of	ADP
easat-5815	165	21	risk	risk	NOUN
easat-5815	165	22	an	an	DET
easat-5815	165	23	intervening	intervene	VERB
easat-5815	165	24	variable	variable	NOUN
easat-5815	165	25	in	in	ADP
easat-5815	165	26	sharia	sharia	PROPN
easat-5815	165	27	business	business	NOUN
easat-5815	165	28	units	unit	NOUN
easat-5815	165	29	next	next	ADV
easat-5815	165	30	,	,	PUNCT
easat-5815	165	31	the	the	DET
easat-5815	165	32	hypothesis	hypothesis	NOUN
easat-5815	165	33	of	of	ADP
easat-5815	165	34	this	this	DET
easat-5815	165	35	study	study	NOUN
easat-5815	165	36	is	be	AUX
easat-5815	165	37	related	relate	VERB
easat-5815	165	38	to	to	ADP
easat-5815	165	39	the	the	DET
easat-5815	165	40	ocoi	ocoi	ADJ
easat-5815	165	41	variable	variable	NOUN
easat-5815	165	42	as	as	ADP
easat-5815	165	43	the	the	DET
easat-5815	165	44	x2	x2	PROPN
easat-5815	165	45	variable	variable	NOUN
easat-5815	165	46	on	on	ADP
easat-5815	165	47	the	the	DET
easat-5815	165	48	risk	risk	NOUN
easat-5815	165	49	management	management	NOUN
easat-5815	165	50	variable	variable	NOUN
easat-5815	165	51	and	and	CCONJ
easat-5815	165	52	risk	risk	NOUN
easat-5815	165	53	management	management	NOUN
easat-5815	165	54	as	as	ADP
easat-5815	165	55	an	an	DET
easat-5815	165	56	intervention	intervention	NOUN
easat-5815	165	57	on	on	ADP
easat-5815	165	58	financial	financial	ADJ
easat-5815	165	59	performance	performance	NOUN
easat-5815	165	60	in	in	ADP
easat-5815	165	61	sharia	sharia	PROPN
easat-5815	165	62	business	business	NOUN
easat-5815	165	63	units	unit	NOUN
easat-5815	165	64	.	.	PUNCT
easat-5815	166	1	as	as	ADV
easat-5815	166	2	well	well	ADV
easat-5815	166	3	as	as	ADP
easat-5815	166	4	referring	refer	VERB
easat-5815	166	5	to	to	ADP
easat-5815	166	6	hafilah	hafilah	ADJ
easat-5815	166	7	and	and	CCONJ
easat-5815	166	8	mahardika	mahardika	X
easat-5815	167	1	[	[	X
easat-5815	167	2	10	10	NUM
easat-5815	167	3	]	]	PUNCT
easat-5815	167	4	concluded	conclude	VERB
easat-5815	167	5	that	that	SCONJ
easat-5815	167	6	ocoi	ocoi	NOUN
easat-5815	167	7	has	have	VERB
easat-5815	167	8	a	a	DET
easat-5815	167	9	positive	positive	ADJ
easat-5815	167	10	influence	influence	NOUN
easat-5815	167	11	on	on	ADP
easat-5815	167	12	npf	npf	PROPN
easat-5815	167	13	both	both	CCONJ
easat-5815	167	14	simultaneously	simultaneously	ADV
easat-5815	167	15	and	and	CCONJ
easat-5815	167	16	partially	partially	ADV
easat-5815	167	17	.	.	PUNCT
easat-5815	168	1	in	in	ADP
easat-5815	168	2	connection	connection	NOUN
easat-5815	168	3	with	with	ADP
easat-5815	168	4	this	this	PRON
easat-5815	168	5	,	,	PUNCT
easat-5815	168	6	the	the	DET
easat-5815	168	7	hypothesis	hypothesis	NOUN
easat-5815	168	8	built	build	VERB
easat-5815	168	9	in	in	ADP
easat-5815	168	10	this	this	DET
easat-5815	168	11	study	study	NOUN
easat-5815	168	12	is	be	AUX
easat-5815	168	13	:	:	PUNCT
easat-5815	168	14	h6	h6	NOUN
easat-5815	168	15	:	:	PUNCT
easat-5815	168	16	financing	finance	VERB
easat-5815	168	17	structure	structure	NOUN
easat-5815	168	18	for	for	ADP
easat-5815	168	19	funding	funding	NOUN
easat-5815	168	20	affects	affect	VERB
easat-5815	168	21	financial	financial	ADJ
easat-5815	168	22	performance	performance	NOUN
easat-5815	168	23	through	through	ADP
easat-5815	168	24	the	the	DET
easat-5815	168	25	management	management	NOUN
easat-5815	168	26	of	of	ADP
easat-5815	168	27	risk	risk	NOUN
easat-5815	168	28	as	as	ADP
easat-5815	168	29	an	an	DET
easat-5815	168	30	intervening	intervene	VERB
easat-5815	168	31	variable	variable	NOUN
easat-5815	168	32	in	in	ADP
easat-5815	168	33	sharia	sharia	PROPN
easat-5815	168	34	business	business	NOUN
easat-5815	168	35	units	unit	NOUN
easat-5815	168	36	.	.	PUNCT
easat-5815	169	1	2.3.7	2.3.7	X
easat-5815	169	2	.	.	PUNCT
easat-5815	170	1	hypothesis	hypothesis	NOUN
easat-5815	170	2	of	of	ADP
easat-5815	170	3	the	the	DET
easat-5815	170	4	influence	influence	NOUN
easat-5815	170	5	of	of	ADP
easat-5815	170	6	ocoi	ocoi	NOUN
easat-5815	170	7	on	on	ADP
easat-5815	170	8	financial	financial	ADJ
easat-5815	170	9	performance	performance	NOUN
easat-5815	170	10	with	with	ADP
easat-5815	170	11	variable	variable	ADJ
easat-5815	170	12	intevenning	intevenning	NOUN
easat-5815	170	13	of	of	ADP
easat-5815	170	14	risk	risk	NOUN
easat-5815	170	15	management	management	NOUN
easat-5815	170	16	in	in	ADP
easat-5815	170	17	sharia	sharia	PROPN
easat-5815	170	18	business	business	NOUN
easat-5815	170	19	units	unit	NOUN
easat-5815	170	20	the	the	DET
easat-5815	170	21	last	last	ADJ
easat-5815	170	22	hypothesis	hypothesis	NOUN
easat-5815	170	23	about	about	ADP
easat-5815	170	24	the	the	DET
easat-5815	170	25	relationship	relationship	NOUN
easat-5815	170	26	between	between	ADP
easat-5815	170	27	ocoi	ocoi	NOUN
easat-5815	170	28	through	through	ADP
easat-5815	170	29	intervening	intervene	VERB
easat-5815	170	30	risk	risk	NOUN
easat-5815	170	31	management	management	NOUN
easat-5815	170	32	with	with	ADP
easat-5815	170	33	npf	npf	PROPN
easat-5815	170	34	proxies	proxy	NOUN
easat-5815	170	35	as	as	ADP
easat-5815	170	36	an	an	DET
easat-5815	170	37	intervening	intervene	VERB
easat-5815	170	38	variable	variable	NOUN
easat-5815	170	39	on	on	ADP
easat-5815	170	40	the	the	DET
easat-5815	170	41	performance	performance	NOUN
easat-5815	170	42	of	of	ADP
easat-5815	170	43	sharia	sharia	PROPN
easat-5815	170	44	commercial	commercial	ADJ
easat-5815	170	45	banks	bank	NOUN
easat-5815	170	46	refers	refer	VERB
easat-5815	170	47	to	to	ADP
easat-5815	170	48	the	the	DET
easat-5815	170	49	research	research	NOUN
easat-5815	170	50	of	of	ADP
easat-5815	170	51	halim	halim	PROPN
easat-5815	170	52	and	and	CCONJ
easat-5815	170	53	buana	buana	PROPN
easat-5815	170	54	[	[	X
easat-5815	170	55	4	4	X
easat-5815	170	56	]	]	PUNCT
easat-5815	170	57	and	and	CCONJ
easat-5815	170	58	the	the	DET
easat-5815	170	59	research	research	NOUN
easat-5815	170	60	of	of	ADP
easat-5815	170	61	lidyah	lidyah	NOUN
easat-5815	170	62	,	,	PUNCT
easat-5815	170	63	et	et	PROPN
easat-5815	170	64	al	al	PROPN
easat-5815	170	65	.	.	PUNCT
easat-5815	171	1	[	[	X
easat-5815	171	2	6	6	NUM
easat-5815	171	3	]	]	PUNCT
easat-5815	171	4	concluded	conclude	VERB
easat-5815	171	5	in	in	ADP
easat-5815	171	6	their	their	PRON
easat-5815	171	7	research	research	NOUN
easat-5815	171	8	that	that	DET
easat-5815	171	9	ocoi	ocoi	NOUN
easat-5815	171	10	and	and	CCONJ
easat-5815	171	11	npf	npf	NOUN
easat-5815	171	12	affect	affect	VERB
easat-5815	171	13	the	the	DET
easat-5815	171	14	financial	financial	ADJ
easat-5815	171	15	performance	performance	NOUN
easat-5815	171	16	of	of	ADP
easat-5815	171	17	sharia	sharia	PROPN
easat-5815	171	18	commercial	commercial	ADJ
easat-5815	171	19	banks	bank	NOUN
easat-5815	171	20	in	in	ADP
easat-5815	171	21	indonesia	indonesia	PROPN
easat-5815	171	22	,	,	PUNCT
easat-5815	171	23	and	and	CCONJ
easat-5815	171	24	this	this	DET
easat-5815	171	25	hypothesis	hypothesis	NOUN
easat-5815	171	26	connects	connect	VERB
easat-5815	171	27	ocoi	ocoi	NOUN
easat-5815	171	28	,	,	PUNCT
easat-5815	171	29	npf	npf	PROPN
easat-5815	171	30	,	,	PUNCT
easat-5815	171	31	and	and	CCONJ
easat-5815	171	32	roa	roa	NOUN
easat-5815	171	33	to	to	PART
easat-5815	171	34	evaluate	evaluate	VERB
easat-5815	171	35	indirect	indirect	ADJ
easat-5815	171	36	effects	effect	NOUN
easat-5815	171	37	.	.	PUNCT
easat-5815	172	1	so	so	ADV
easat-5815	172	2	,	,	PUNCT
easat-5815	172	3	the	the	DET
easat-5815	172	4	hypothesis	hypothesis	NOUN
easat-5815	172	5	that	that	PRON
easat-5815	172	6	can	can	AUX
easat-5815	172	7	be	be	AUX
easat-5815	172	8	formulated	formulate	VERB
easat-5815	172	9	is	be	AUX
easat-5815	172	10	:	:	PUNCT
easat-5815	172	11	h7	h7	X
easat-5815	172	12	:	:	PUNCT
easat-5815	172	13	ocoi	ocoi	NOUN
easat-5815	172	14	affects	affect	VERB
easat-5815	172	15	financial	financial	ADJ
easat-5815	172	16	performance	performance	NOUN
easat-5815	172	17	through	through	ADP
easat-5815	172	18	the	the	DET
easat-5815	172	19	management	management	NOUN
easat-5815	172	20	of	of	ADP
easat-5815	172	21	risk	risk	NOUN
easat-5815	172	22	as	as	ADP
easat-5815	172	23	an	an	DET
easat-5815	172	24	intervening	intervene	VERB
easat-5815	172	25	variable	variable	NOUN
easat-5815	172	26	in	in	ADP
easat-5815	172	27	sharia	sharia	PROPN
easat-5815	172	28	business	business	NOUN
easat-5815	172	29	units	unit	NOUN
easat-5815	172	30	.	.	PUNCT
easat-5815	173	1	3	3	X
easat-5815	173	2	.	.	NOUN
easat-5815	173	3	method	method	NOUN
easat-5815	173	4	and	and	CCONJ
easat-5815	173	5	procedure	procedure	NOUN
easat-5815	173	6	3.1	3.1	NUM
easat-5815	173	7	.	.	PUNCT
easat-5815	174	1	design	design	VERB
easat-5815	174	2	this	this	DET
easat-5815	174	3	quantitative	quantitative	ADJ
easat-5815	174	4	study	study	NOUN
easat-5815	174	5	examines	examine	VERB
easat-5815	174	6	the	the	DET
easat-5815	174	7	relationship	relationship	NOUN
easat-5815	174	8	between	between	ADP
easat-5815	174	9	financial	financial	ADJ
easat-5815	174	10	variables	variable	NOUN
easat-5815	174	11	and	and	CCONJ
easat-5815	174	12	the	the	DET
easat-5815	174	13	performance	performance	NOUN
easat-5815	174	14	2420	2420	NUM
easat-5815	174	15	edelweiss	edelweiss	PROPN
easat-5815	174	16	applied	apply	VERB
easat-5815	174	17	science	science	NOUN
easat-5815	174	18	and	and	CCONJ
easat-5815	174	19	technology	technology	NOUN
easat-5815	174	20	issn	issn	PROPN
easat-5815	174	21	:	:	PUNCT
easat-5815	174	22	2576	2576	NUM
easat-5815	174	23	-	-	SYM
easat-5815	174	24	8484	8484	NUM
easat-5815	174	25	vol	vol	NOUN
easat-5815	174	26	.	.	PROPN
easat-5815	175	1	9	9	NUM
easat-5815	175	2	,	,	PUNCT
easat-5815	175	3	no	no	INTJ
easat-5815	175	4	.	.	NOUN
easat-5815	176	1	3	3	NUM
easat-5815	176	2	:	:	SYM
easat-5815	176	3	2413	2413	NUM
easat-5815	176	4	-	-	SYM
easat-5815	176	5	2434	2434	NUM
easat-5815	176	6	,	,	PUNCT
easat-5815	176	7	2025	2025	NUM
easat-5815	176	8	doi	doi	NOUN
easat-5815	176	9	:	:	PUNCT
easat-5815	176	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	176	11	©	©	PROPN
easat-5815	176	12	2025	2025	NUM
easat-5815	176	13	by	by	ADP
easat-5815	176	14	the	the	DET
easat-5815	176	15	author	author	NOUN
easat-5815	176	16	;	;	PUNCT
easat-5815	176	17	licensee	licensee	NOUN
easat-5815	176	18	learning	learn	VERB
easat-5815	176	19	gate	gate	PROPN
easat-5815	176	20	of	of	ADP
easat-5815	176	21	sharia	sharia	PROPN
easat-5815	176	22	business	business	NOUN
easat-5815	176	23	units	unit	NOUN
easat-5815	176	24	,	,	PUNCT
easat-5815	176	25	taking	take	VERB
easat-5815	176	26	into	into	ADP
easat-5815	176	27	account	account	NOUN
easat-5815	176	28	the	the	DET
easat-5815	176	29	impact	impact	NOUN
easat-5815	176	30	of	of	ADP
easat-5815	176	31	financing	financing	NOUN
easat-5815	176	32	structure	structure	NOUN
easat-5815	176	33	,	,	PUNCT
easat-5815	176	34	operational	operational	ADJ
easat-5815	176	35	costs	cost	NOUN
easat-5815	176	36	,	,	PUNCT
easat-5815	176	37	and	and	CCONJ
easat-5815	176	38	risk	risk	NOUN
easat-5815	176	39	management	management	NOUN
easat-5815	176	40	,	,	PUNCT
easat-5815	176	41	with	with	ADP
easat-5815	176	42	a	a	DET
easat-5815	176	43	focus	focus	NOUN
easat-5815	176	44	on	on	ADP
easat-5815	176	45	the	the	DET
easat-5815	176	46	intervening	intervene	VERB
easat-5815	176	47	role	role	NOUN
easat-5815	176	48	of	of	ADP
easat-5815	176	49	risk	risk	NOUN
easat-5815	176	50	management	management	NOUN
easat-5815	176	51	.	.	PUNCT
easat-5815	177	1	3.1.1	3.1.1	X
easat-5815	177	2	.	.	PUNCT
easat-5815	177	3	research	research	NOUN
easat-5815	177	4	design	design	NOUN
easat-5815	177	5	and	and	CCONJ
easat-5815	177	6	approach	approach	NOUN
easat-5815	177	7	3.1.1.1	3.1.1.1	NUM
easat-5815	177	8	.	.	PUNCT
easat-5815	178	1	quantitative	quantitative	ADJ
easat-5815	178	2	approach	approach	PROPN
easat-5815	178	3	numerical	numerical	PROPN
easat-5815	178	4	data	data	PROPN
easat-5815	178	5	is	be	AUX
easat-5815	178	6	collected	collect	VERB
easat-5815	178	7	and	and	CCONJ
easat-5815	178	8	analyzed	analyze	VERB
easat-5815	178	9	to	to	PART
easat-5815	178	10	test	test	VERB
easat-5815	178	11	hypotheses	hypothesis	NOUN
easat-5815	178	12	and	and	CCONJ
easat-5815	178	13	explore	explore	VERB
easat-5815	178	14	causal	causal	ADJ
easat-5815	178	15	relationships	relationship	NOUN
easat-5815	178	16	among	among	ADP
easat-5815	178	17	variables	variable	NOUN
easat-5815	178	18	.	.	PUNCT
easat-5815	179	1	this	this	DET
easat-5815	179	2	design	design	NOUN
easat-5815	179	3	facilitates	facilitate	VERB
easat-5815	179	4	the	the	DET
easat-5815	179	5	identification	identification	NOUN
easat-5815	179	6	of	of	ADP
easat-5815	179	7	the	the	DET
easat-5815	179	8	influence	influence	NOUN
easat-5815	179	9	of	of	ADP
easat-5815	179	10	independent	independent	ADJ
easat-5815	179	11	variables	variable	NOUN
easat-5815	179	12	(	(	PUNCT
easat-5815	179	13	e.g.	e.g.	ADV
easat-5815	179	14	,	,	PUNCT
easat-5815	179	15	financing	financing	NOUN
easat-5815	179	16	structure	structure	NOUN
easat-5815	179	17	and	and	CCONJ
easat-5815	179	18	operational	operational	ADJ
easat-5815	179	19	costs	cost	NOUN
easat-5815	179	20	)	)	PUNCT
easat-5815	179	21	on	on	ADP
easat-5815	179	22	the	the	DET
easat-5815	179	23	dependent	dependent	ADJ
easat-5815	179	24	variable	variable	NOUN
easat-5815	179	25	(	(	PUNCT
easat-5815	179	26	financial	financial	ADJ
easat-5815	179	27	performance	performance	NOUN
easat-5815	179	28	)	)	PUNCT
easat-5815	179	29	,	,	PUNCT
easat-5815	179	30	with	with	ADP
easat-5815	179	31	risk	risk	NOUN
easat-5815	179	32	management	management	NOUN
easat-5815	179	33	serving	serve	VERB
easat-5815	179	34	as	as	ADP
easat-5815	179	35	a	a	DET
easat-5815	179	36	mediating	mediate	VERB
easat-5815	179	37	factor	factor	NOUN
easat-5815	179	38	.	.	PUNCT
easat-5815	180	1	3.1.1.2	3.1.1.2	NUM
easat-5815	180	2	.	.	PUNCT
easat-5815	180	3	causal	causal	PROPN
easat-5815	180	4	research	research	NOUN
easat-5815	180	5	design	design	VERB
easat-5815	180	6	the	the	DET
easat-5815	180	7	causal	causal	ADJ
easat-5815	180	8	research	research	NOUN
easat-5815	180	9	framework	framework	NOUN
easat-5815	180	10	is	be	AUX
easat-5815	180	11	utilized	utilize	VERB
easat-5815	180	12	to	to	PART
easat-5815	180	13	determine	determine	VERB
easat-5815	180	14	how	how	SCONJ
easat-5815	180	15	financing	financing	NOUN
easat-5815	180	16	structure	structure	NOUN
easat-5815	180	17	and	and	CCONJ
easat-5815	180	18	operational	operational	ADJ
easat-5815	180	19	costs	cost	NOUN
easat-5815	180	20	affect	affect	VERB
easat-5815	180	21	financial	financial	ADJ
easat-5815	180	22	performance	performance	NOUN
easat-5815	180	23	directly	directly	ADV
easat-5815	180	24	and	and	CCONJ
easat-5815	180	25	indirectly	indirectly	ADV
easat-5815	180	26	through	through	ADP
easat-5815	180	27	risk	risk	NOUN
easat-5815	180	28	management	management	NOUN
easat-5815	180	29	.	.	PUNCT
easat-5815	181	1	this	this	DET
easat-5815	181	2	study	study	NOUN
easat-5815	181	3	also	also	ADV
easat-5815	181	4	conducts	conduct	VERB
easat-5815	181	5	a	a	DET
easat-5815	181	6	casual	casual	ADJ
easat-5815	181	7	relationship	relationship	NOUN
easat-5815	181	8	approach	approach	NOUN
easat-5815	181	9	,	,	PUNCT
easat-5815	181	10	namely	namely	ADV
easat-5815	181	11	conducting	conduct	VERB
easat-5815	181	12	a	a	DET
easat-5815	181	13	causal	causal	ADJ
easat-5815	181	14	relationship	relationship	NOUN
easat-5815	181	15	analysis	analysis	NOUN
easat-5815	181	16	,	,	PUNCT
easat-5815	181	17	a	a	DET
easat-5815	181	18	causal	causal	ADJ
easat-5815	181	19	relationship	relationship	NOUN
easat-5815	181	20	is	be	AUX
easat-5815	181	21	a	a	DET
easat-5815	181	22	formulation	formulation	NOUN
easat-5815	181	23	of	of	ADP
easat-5815	181	24	a	a	DET
easat-5815	181	25	research	research	NOUN
easat-5815	181	26	problem	problem	NOUN
easat-5815	181	27	that	that	PRON
easat-5815	181	28	asks	ask	VERB
easat-5815	181	29	about	about	ADP
easat-5815	181	30	the	the	DET
easat-5815	181	31	relationship	relationship	NOUN
easat-5815	181	32	between	between	ADP
easat-5815	181	33	two	two	NUM
easat-5815	181	34	or	or	CCONJ
easat-5815	181	35	more	more	ADJ
easat-5815	181	36	variables	variable	NOUN
easat-5815	181	37	which	which	PRON
easat-5815	181	38	is	be	AUX
easat-5815	181	39	stated	state	VERB
easat-5815	181	40	as	as	ADP
easat-5815	181	41	a	a	DET
easat-5815	181	42	causal	causal	ADJ
easat-5815	181	43	relationship	relationship	NOUN
easat-5815	181	44	between	between	ADP
easat-5815	181	45	independent	independent	ADJ
easat-5815	181	46	variables	variable	NOUN
easat-5815	181	47	(	(	PUNCT
easat-5815	181	48	which	which	PRON
easat-5815	181	49	affect	affect	VERB
easat-5815	181	50	)	)	PUNCT
easat-5815	181	51	and	and	CCONJ
easat-5815	181	52	dependent	dependent	ADJ
easat-5815	181	53	variables	variable	NOUN
easat-5815	181	54	(	(	PUNCT
easat-5815	181	55	influenced	influence	VERB
easat-5815	181	56	)	)	PUNCT
easat-5815	181	57	,	,	PUNCT
easat-5815	181	58	sugiyono	sugiyono	VERB
easat-5815	182	1	[	[	X
easat-5815	182	2	11	11	NUM
easat-5815	182	3	]	]	PUNCT
easat-5815	182	4	.	.	PUNCT
easat-5815	183	1	in	in	ADP
easat-5815	183	2	this	this	DET
easat-5815	183	3	study	study	NOUN
easat-5815	183	4	,	,	PUNCT
easat-5815	183	5	the	the	DET
easat-5815	183	6	researcher	researcher	NOUN
easat-5815	183	7	conducted	conduct	VERB
easat-5815	183	8	a	a	DET
easat-5815	183	9	hypothesis	hypothesis	NOUN
easat-5815	183	10	analysis	analysis	NOUN
easat-5815	183	11	whether	whether	SCONJ
easat-5815	183	12	there	there	PRON
easat-5815	183	13	is	be	VERB
easat-5815	183	14	an	an	DET
easat-5815	183	15	influence	influence	NOUN
easat-5815	183	16	of	of	ADP
easat-5815	183	17	the	the	DET
easat-5815	183	18	financing	financing	NOUN
easat-5815	183	19	structure	structure	NOUN
easat-5815	183	20	on	on	ADP
easat-5815	183	21	funding	funding	NOUN
easat-5815	183	22	,	,	PUNCT
easat-5815	183	23	operational	operational	ADJ
easat-5815	183	24	costs	cost	NOUN
easat-5815	183	25	on	on	ADP
easat-5815	183	26	operating	operate	VERB
easat-5815	183	27	income	income	NOUN
easat-5815	183	28	on	on	ADP
easat-5815	183	29	the	the	DET
easat-5815	183	30	performance	performance	NOUN
easat-5815	183	31	of	of	ADP
easat-5815	183	32	sharia	sharia	PROPN
easat-5815	183	33	business	business	NOUN
easat-5815	183	34	units	unit	NOUN
easat-5815	183	35	with	with	ADP
easat-5815	183	36	risk	risk	NOUN
easat-5815	183	37	management	management	NOUN
easat-5815	183	38	intervention	intervention	NOUN
easat-5815	183	39	.	.	PUNCT
easat-5815	184	1	3.1.1.3	3.1.1.3	X
easat-5815	184	2	.	.	PUNCT
easat-5815	184	3	descriptive	descriptive	ADJ
easat-5815	184	4	analysis	analysis	NOUN
easat-5815	184	5	descriptive	descriptive	ADJ
easat-5815	184	6	analysis	analysis	NOUN
easat-5815	184	7	is	be	AUX
easat-5815	184	8	employed	employ	VERB
easat-5815	184	9	to	to	PART
easat-5815	184	10	identify	identify	VERB
easat-5815	184	11	patterns	pattern	NOUN
easat-5815	184	12	and	and	CCONJ
easat-5815	184	13	relationships	relationship	NOUN
easat-5815	184	14	among	among	ADP
easat-5815	184	15	variables	variable	NOUN
easat-5815	184	16	,	,	PUNCT
easat-5815	184	17	including	include	VERB
easat-5815	184	18	financing	financing	NOUN
easat-5815	184	19	structure	structure	NOUN
easat-5815	184	20	,	,	PUNCT
easat-5815	184	21	operational	operational	ADJ
easat-5815	184	22	costs	cost	NOUN
easat-5815	184	23	,	,	PUNCT
easat-5815	184	24	risk	risk	NOUN
easat-5815	184	25	management	management	NOUN
easat-5815	184	26	,	,	PUNCT
easat-5815	184	27	and	and	CCONJ
easat-5815	184	28	financial	financial	ADJ
easat-5815	184	29	performance	performance	NOUN
easat-5815	184	30	.	.	PUNCT
easat-5815	185	1	3.1.1.4	3.1.1.4	X
easat-5815	185	2	.	.	PUNCT
easat-5815	185	3	research	research	NOUN
easat-5815	185	4	period	period	NOUN
easat-5815	185	5	the	the	DET
easat-5815	185	6	study	study	NOUN
easat-5815	185	7	spans	span	VERB
easat-5815	185	8	the	the	DET
easat-5815	185	9	years	year	NOUN
easat-5815	185	10	2014	2014	NUM
easat-5815	185	11	to	to	ADP
easat-5815	185	12	2024	2024	NUM
easat-5815	185	13	,	,	PUNCT
easat-5815	185	14	enabling	enable	VERB
easat-5815	185	15	a	a	DET
easat-5815	185	16	longitudinal	longitudinal	ADJ
easat-5815	185	17	analysis	analysis	NOUN
easat-5815	185	18	to	to	PART
easat-5815	185	19	observe	observe	VERB
easat-5815	185	20	financial	financial	ADJ
easat-5815	185	21	trends	trend	NOUN
easat-5815	185	22	and	and	CCONJ
easat-5815	185	23	their	their	PRON
easat-5815	185	24	impact	impact	NOUN
easat-5815	185	25	on	on	ADP
easat-5815	185	26	the	the	DET
easat-5815	185	27	performance	performance	NOUN
easat-5815	185	28	of	of	ADP
easat-5815	185	29	sbus	sbus	NOUN
easat-5815	185	30	over	over	ADP
easat-5815	185	31	time	time	NOUN
easat-5815	185	32	.	.	PUNCT
easat-5815	186	1	3.2	3.2	NUM
easat-5815	186	2	.	.	PUNCT
easat-5815	186	3	population	population	NOUN
easat-5815	186	4	and	and	CCONJ
easat-5815	186	5	sample	sample	VERB
easat-5815	186	6	the	the	DET
easat-5815	186	7	entire	entire	ADJ
easat-5815	186	8	population	population	NOUN
easat-5815	186	9	of	of	ADP
easat-5815	186	10	sharia	sharia	PROPN
easat-5815	186	11	banking	banking	PROPN
easat-5815	186	12	business	business	NOUN
easat-5815	186	13	unit	unit	NOUN
easat-5815	186	14	in	in	ADP
easat-5815	186	15	the	the	DET
easat-5815	186	16	2023	2023	NUM
easat-5815	186	17	period	period	NOUN
easat-5815	186	18	there	there	PRON
easat-5815	186	19	are	be	VERB
easat-5815	186	20	20	20	NUM
easat-5815	186	21	sbbu	sbbu	ADJ
easat-5815	186	22	entities	entity	NOUN
easat-5815	186	23	(	(	PUNCT
easat-5815	186	24	see	see	VERB
easat-5815	186	25	table	table	NOUN
easat-5815	186	26	1	1	NUM
easat-5815	186	27	above	above	ADP
easat-5815	186	28	)	)	PUNCT
easat-5815	186	29	,	,	PUNCT
easat-5815	186	30	so	so	SCONJ
easat-5815	186	31	in	in	ADP
easat-5815	186	32	this	this	DET
easat-5815	186	33	study	study	NOUN
easat-5815	186	34	the	the	DET
easat-5815	186	35	sample	sample	NOUN
easat-5815	186	36	taken	take	VERB
easat-5815	186	37	is	be	AUX
easat-5815	186	38	the	the	DET
easat-5815	186	39	entire	entire	ADJ
easat-5815	186	40	population	population	NOUN
easat-5815	186	41	mentioned	mention	VERB
easat-5815	186	42	above	above	ADV
easat-5815	186	43	.	.	PUNCT
easat-5815	187	1	the	the	DET
easat-5815	187	2	population	population	NOUN
easat-5815	187	3	consisted	consist	VERB
easat-5815	187	4	of	of	ADP
easat-5815	187	5	20	20	NUM
easat-5815	187	6	sharia	sharia	PROPN
easat-5815	187	7	business	business	NOUN
easat-5815	187	8	units	unit	NOUN
easat-5815	187	9	operationally	operationally	ADV
easat-5815	187	10	supervised	supervise	VERB
easat-5815	187	11	by	by	ADP
easat-5815	187	12	the	the	DET
easat-5815	187	13	financial	financial	ADJ
easat-5815	187	14	services	service	NOUN
easat-5815	187	15	authority	authority	NOUN
easat-5815	187	16	3.3	3.3	NUM
easat-5815	187	17	.	.	PUNCT
easat-5815	188	1	scale	scale	NOUN
easat-5815	188	2	and	and	CCONJ
easat-5815	188	3	variable	variable	ADJ
easat-5815	188	4	operational	operational	ADJ
easat-5815	188	5	measurement	measurement	NOUN
easat-5815	188	6	the	the	DET
easat-5815	188	7	research	research	NOUN
easat-5815	188	8	involves	involve	VERB
easat-5815	188	9	the	the	DET
easat-5815	188	10	following	follow	VERB
easat-5815	188	11	variables	variable	NOUN
easat-5815	188	12	:	:	PUNCT
easat-5815	189	1	1	1	X
easat-5815	189	2	.	.	X
easat-5815	189	3	independent	independent	ADJ
easat-5815	189	4	variables	variable	NOUN
easat-5815	189	5	:	:	PUNCT
easat-5815	189	6	•	•	NUM
easat-5815	189	7	financing	financing	NOUN
easat-5815	189	8	structure	structure	NOUN
easat-5815	189	9	for	for	ADP
easat-5815	189	10	funding	funding	NOUN
easat-5815	189	11	:	:	PUNCT
easat-5815	189	12	represents	represent	VERB
easat-5815	189	13	the	the	DET
easat-5815	189	14	allocation	allocation	NOUN
easat-5815	189	15	and	and	CCONJ
easat-5815	189	16	composition	composition	NOUN
easat-5815	189	17	of	of	ADP
easat-5815	189	18	financing	financing	NOUN
easat-5815	189	19	used	use	VERB
easat-5815	189	20	by	by	ADP
easat-5815	189	21	sharia	sharia	PROPN
easat-5815	189	22	business	business	NOUN
easat-5815	189	23	units	unit	NOUN
easat-5815	189	24	.	.	PUNCT
easat-5815	190	1	•	•	NOUN
easat-5815	190	2	operating	operate	VERB
easat-5815	190	3	cost	cost	NOUN
easat-5815	190	4	efficiency	efficiency	NOUN
easat-5815	190	5	:	:	PUNCT
easat-5815	190	6	measures	measure	VERB
easat-5815	190	7	the	the	DET
easat-5815	190	8	effectiveness	effectiveness	NOUN
easat-5815	190	9	of	of	ADP
easat-5815	190	10	operational	operational	ADJ
easat-5815	190	11	expenses	expense	NOUN
easat-5815	190	12	in	in	ADP
easat-5815	190	13	relation	relation	NOUN
easat-5815	190	14	to	to	ADP
easat-5815	190	15	operating	operate	VERB
easat-5815	190	16	income	income	NOUN
easat-5815	190	17	generate	generate	NOUN
easat-5815	190	18	.	.	PUNCT
easat-5815	191	1	2	2	X
easat-5815	191	2	.	.	X
easat-5815	191	3	dependent	dependent	ADJ
easat-5815	191	4	variable	variable	NOUN
easat-5815	191	5	:	:	PUNCT
easat-5815	191	6	•	•	NUM
easat-5815	191	7	performance	performance	NOUN
easat-5815	191	8	of	of	ADP
easat-5815	191	9	finance	finance	NOUN
easat-5815	191	10	:	:	PUNCT
easat-5815	191	11	measures	measure	VERB
easat-5815	191	12	the	the	DET
easat-5815	191	13	financial	financial	ADJ
easat-5815	191	14	outcomes	outcome	NOUN
easat-5815	191	15	and	and	CCONJ
easat-5815	191	16	profitability	profitability	NOUN
easat-5815	191	17	of	of	ADP
easat-5815	191	18	sharia	sharia	PROPN
easat-5815	191	19	business	business	NOUN
easat-5815	191	20	units	unit	NOUN
easat-5815	191	21	,	,	PUNCT
easat-5815	191	22	indicating	indicate	VERB
easat-5815	191	23	their	their	PRON
easat-5815	191	24	overall	overall	ADJ
easat-5815	191	25	financial	financial	ADJ
easat-5815	191	26	health	health	NOUN
easat-5815	191	27	.	.	PUNCT
easat-5815	192	1	3	3	X
easat-5815	192	2	.	.	X
easat-5815	192	3	intervening	intervene	VERB
easat-5815	192	4	variable	variable	NOUN
easat-5815	192	5	:	:	PUNCT
easat-5815	192	6	•	•	NUM
easat-5815	192	7	risk	risk	NOUN
easat-5815	192	8	management	management	NOUN
easat-5815	192	9	:	:	PUNCT
easat-5815	192	10	risk	risk	NOUN
easat-5815	192	11	management	management	NOUN
easat-5815	192	12	plays	play	VERB
easat-5815	192	13	a	a	DET
easat-5815	192	14	mediating	mediate	VERB
easat-5815	192	15	role	role	NOUN
easat-5815	192	16	in	in	ADP
easat-5815	192	17	shaping	shape	VERB
easat-5815	192	18	the	the	DET
easat-5815	192	19	relationship	relationship	NOUN
easat-5815	192	20	between	between	ADP
easat-5815	192	21	financing	financing	NOUN
easat-5815	192	22	structure	structure	NOUN
easat-5815	192	23	,	,	PUNCT
easat-5815	192	24	operating	operating	NOUN
easat-5815	192	25	costs	cost	NOUN
easat-5815	192	26	,	,	PUNCT
easat-5815	192	27	and	and	CCONJ
easat-5815	192	28	financial	financial	ADJ
easat-5815	192	29	performance	performance	NOUN
easat-5815	192	30	.	.	PUNCT
easat-5815	193	1	2421	2421	NUM
easat-5815	193	2	edelweiss	edelweiss	PROPN
easat-5815	193	3	applied	apply	VERB
easat-5815	193	4	science	science	NOUN
easat-5815	193	5	and	and	CCONJ
easat-5815	193	6	technology	technology	NOUN
easat-5815	193	7	issn	issn	PROPN
easat-5815	193	8	:	:	PUNCT
easat-5815	193	9	2576	2576	NUM
easat-5815	193	10	-	-	SYM
easat-5815	193	11	8484	8484	NUM
easat-5815	193	12	vol	vol	NOUN
easat-5815	193	13	.	.	PROPN
easat-5815	194	1	9	9	NUM
easat-5815	194	2	,	,	PUNCT
easat-5815	194	3	no	no	INTJ
easat-5815	194	4	.	.	NOUN
easat-5815	195	1	3	3	NUM
easat-5815	195	2	:	:	SYM
easat-5815	195	3	2413	2413	NUM
easat-5815	195	4	-	-	SYM
easat-5815	195	5	2434	2434	NUM
easat-5815	195	6	,	,	PUNCT
easat-5815	195	7	2025	2025	NUM
easat-5815	195	8	doi	doi	NOUN
easat-5815	195	9	:	:	PUNCT
easat-5815	195	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	195	11	©	©	PROPN
easat-5815	195	12	2025	2025	NUM
easat-5815	195	13	by	by	ADP
easat-5815	195	14	the	the	DET
easat-5815	195	15	author	author	NOUN
easat-5815	195	16	;	;	PUNCT
easat-5815	195	17	licensee	licensee	PROPN
easat-5815	195	18	learning	learning	NOUN
easat-5815	195	19	gate	gate	NOUN
easat-5815	195	20	this	this	DET
easat-5815	195	21	framework	framework	NOUN
easat-5815	195	22	allows	allow	VERB
easat-5815	195	23	the	the	DET
easat-5815	195	24	study	study	NOUN
easat-5815	195	25	to	to	PART
easat-5815	195	26	evaluate	evaluate	VERB
easat-5815	195	27	direct	direct	ADJ
easat-5815	195	28	and	and	CCONJ
easat-5815	195	29	indirect	indirect	ADJ
easat-5815	195	30	effects	effect	NOUN
easat-5815	195	31	among	among	ADP
easat-5815	195	32	these	these	DET
easat-5815	195	33	variables	variable	NOUN
easat-5815	195	34	,	,	PUNCT
easat-5815	195	35	with	with	ADP
easat-5815	195	36	a	a	DET
easat-5815	195	37	particular	particular	ADJ
easat-5815	195	38	focus	focus	NOUN
easat-5815	195	39	on	on	ADP
easat-5815	195	40	how	how	SCONJ
easat-5815	195	41	risk	risk	NOUN
easat-5815	195	42	management	management	NOUN
easat-5815	195	43	moderates	moderate	VERB
easat-5815	195	44	the	the	DET
easat-5815	195	45	impact	impact	NOUN
easat-5815	195	46	of	of	ADP
easat-5815	195	47	financing	financing	NOUN
easat-5815	195	48	structure	structure	NOUN
easat-5815	195	49	and	and	CCONJ
easat-5815	195	50	operating	operating	NOUN
easat-5815	195	51	costs	cost	NOUN
easat-5815	195	52	on	on	ADP
easat-5815	195	53	financial	financial	ADJ
easat-5815	195	54	performance	performance	NOUN
easat-5815	195	55	.	.	PUNCT
easat-5815	196	1	3.3.1	3.3.1	X
easat-5815	196	2	.	.	PUNCT
easat-5815	196	3	variable	variable	ADJ
easat-5815	196	4	dependent	dependent	ADJ
easat-5815	196	5	this	this	DET
easat-5815	196	6	research	research	NOUN
easat-5815	196	7	evaluates	evaluate	VERB
easat-5815	196	8	the	the	DET
easat-5815	196	9	financial	financial	ADJ
easat-5815	196	10	performance	performance	NOUN
easat-5815	196	11	of	of	ADP
easat-5815	196	12	sharia	sharia	PROPN
easat-5815	196	13	business	business	NOUN
easat-5815	196	14	units	unit	NOUN
easat-5815	196	15	within	within	ADP
easat-5815	196	16	conventional	conventional	ADJ
easat-5815	196	17	banks	bank	NOUN
easat-5815	196	18	,	,	PUNCT
easat-5815	196	19	utilizing	utilize	VERB
easat-5815	196	20	return	return	NOUN
easat-5815	196	21	on	on	ADP
easat-5815	196	22	assets	asset	NOUN
easat-5815	196	23	(	(	PUNCT
easat-5815	196	24	roa	roa	NOUN
easat-5815	196	25	)	)	PUNCT
easat-5815	196	26	as	as	ADP
easat-5815	196	27	a	a	DET
easat-5815	196	28	performance	performance	NOUN
easat-5815	196	29	metric	metric	ADJ
easat-5815	196	30	from	from	ADP
easat-5815	196	31	june	june	PROPN
easat-5815	196	32	2014	2014	NUM
easat-5815	196	33	to	to	ADP
easat-5815	196	34	september	september	PROPN
easat-5815	196	35	2024	2024	NUM
easat-5815	196	36	.	.	PUNCT
easat-5815	197	1	in	in	ADP
easat-5815	197	2	the	the	DET
easat-5815	197	3	previous	previous	ADJ
easat-5815	197	4	study	study	NOUN
easat-5815	197	5	on	on	ADP
easat-5815	197	6	halim	halim	PROPN
easat-5815	197	7	and	and	CCONJ
easat-5815	197	8	buana	buana	PROPN
easat-5815	197	9	[	[	X
easat-5815	197	10	4	4	X
easat-5815	197	11	]	]	X
easat-5815	197	12	the	the	DET
easat-5815	197	13	performance	performance	NOUN
easat-5815	197	14	of	of	ADP
easat-5815	197	15	sharia	sharia	PROPN
easat-5815	197	16	commercial	commercial	ADJ
easat-5815	197	17	banks	bank	NOUN
easat-5815	197	18	,	,	PUNCT
easat-5815	197	19	denoted	denote	VERB
easat-5815	197	20	by	by	ADP
easat-5815	197	21	variable	variable	ADJ
easat-5815	197	22	y	y	PROPN
easat-5815	197	23	,	,	PUNCT
easat-5815	197	24	is	be	AUX
easat-5815	197	25	proxied	proxie	VERB
easat-5815	197	26	by	by	ADP
easat-5815	197	27	the	the	DET
easat-5815	197	28	return	return	NOUN
easat-5815	197	29	on	on	ADP
easat-5815	197	30	assets	asset	NOUN
easat-5815	197	31	(	(	PUNCT
easat-5815	197	32	roa	roa	NOUN
easat-5815	197	33	)	)	PUNCT
easat-5815	197	34	metric	metric	NOUN
easat-5815	197	35	.	.	PUNCT
easat-5815	198	1	the	the	DET
easat-5815	198	2	formula	formula	NOUN
easat-5815	198	3	used	use	VERB
easat-5815	198	4	is	be	AUX
easat-5815	198	5	:	:	PUNCT
easat-5815	198	6	net	net	ADJ
easat-5815	198	7	profit	profit	NOUN
easat-5815	198	8	after	after	ADP
easat-5815	198	9	tax	tax	NOUN
easat-5815	198	10	roa	roa	PROPN
easat-5815	198	11	=	=	PUNCT
easat-5815	198	12	---------------------------------------------------x	---------------------------------------------------x	PUNCT
easat-5815	198	13	100	100	NUM
easat-5815	198	14	%	%	NOUN
easat-5815	198	15	total	total	ADJ
easat-5815	198	16	assets	asset	NOUN
easat-5815	198	17	3.3.2	3.3.2	NUM
easat-5815	198	18	.	.	PUNCT
easat-5815	199	1	variable	variable	ADJ
easat-5815	199	2	independent	independent	ADJ
easat-5815	199	3	an	an	DET
easat-5815	199	4	independent	independent	ADJ
easat-5815	199	5	variable	variable	NOUN
easat-5815	199	6	,	,	PUNCT
easat-5815	199	7	typically	typically	ADV
easat-5815	199	8	denoted	denote	VERB
easat-5815	199	9	as	as	ADP
easat-5815	199	10	x	x	X
easat-5815	199	11	,	,	PUNCT
easat-5815	199	12	is	be	AUX
easat-5815	199	13	a	a	DET
easat-5815	199	14	variable	variable	NOUN
easat-5815	199	15	that	that	PRON
easat-5815	199	16	influences	influence	VERB
easat-5815	199	17	one	one	NUM
easat-5815	199	18	or	or	CCONJ
easat-5815	199	19	more	more	ADV
easat-5815	199	20	dependent	dependent	ADJ
easat-5815	199	21	variables	variable	NOUN
easat-5815	199	22	,	,	PUNCT
easat-5815	199	23	the	the	DET
easat-5815	199	24	explanatory	explanatory	ADJ
easat-5815	199	25	variable	variable	NOUN
easat-5815	199	26	,	,	PUNCT
easat-5815	199	27	drives	drive	VERB
easat-5815	199	28	variations	variation	NOUN
easat-5815	199	29	in	in	ADP
easat-5815	199	30	y	y	PROPN
easat-5815	199	31	3.3.2.1	3.3.2.1	NUM
easat-5815	199	32	.	.	PUNCT
easat-5815	200	1	financing	financing	NOUN
easat-5815	200	2	of	of	ADP
easat-5815	200	3	funding	fund	VERB
easat-5815	200	4	the	the	DET
easat-5815	200	5	ratio	ratio	NOUN
easat-5815	200	6	of	of	ADP
easat-5815	200	7	financing	financing	NOUN
easat-5815	200	8	provided	provide	VERB
easat-5815	200	9	to	to	ADP
easat-5815	200	10	deposits	deposit	NOUN
easat-5815	200	11	received	receive	VERB
easat-5815	200	12	,	,	PUNCT
easat-5815	200	13	known	know	VERB
easat-5815	200	14	as	as	ADP
easat-5815	200	15	the	the	DET
easat-5815	200	16	financing	financing	NOUN
easat-5815	200	17	to	to	PART
easat-5815	200	18	deposit	deposit	VERB
easat-5815	200	19	ratio	ratio	NOUN
easat-5815	200	20	(	(	PUNCT
easat-5815	200	21	fdr	fdr	PROPN
easat-5815	200	22	)	)	PUNCT
easat-5815	200	23	is	be	AUX
easat-5815	200	24	used	use	VERB
easat-5815	200	25	as	as	ADP
easat-5815	200	26	a	a	DET
easat-5815	200	27	proxy	proxy	NOUN
easat-5815	200	28	for	for	ADP
easat-5815	200	29	financing	financing	NOUN
easat-5815	200	30	funding	funding	NOUN
easat-5815	200	31	in	in	ADP
easat-5815	200	32	this	this	DET
easat-5815	200	33	research	research	NOUN
easat-5815	200	34	,	,	PUNCT
easat-5815	200	35	where	where	SCONJ
easat-5815	200	36	this	this	DET
easat-5815	200	37	ratio	ratio	NOUN
easat-5815	200	38	is	be	AUX
easat-5815	200	39	a	a	DET
easat-5815	200	40	comparison	comparison	NOUN
easat-5815	200	41	of	of	ADP
easat-5815	200	42	the	the	DET
easat-5815	200	43	amount	amount	NOUN
easat-5815	200	44	of	of	ADP
easat-5815	200	45	financing	financing	NOUN
easat-5815	200	46	which	which	PRON
easat-5815	200	47	includes	include	VERB
easat-5815	200	48	financing	financing	NOUN
easat-5815	200	49	with	with	ADP
easat-5815	200	50	mudharaba	mudharaba	NOUN
easat-5815	200	51	contracts	contract	NOUN
easat-5815	200	52	,	,	PUNCT
easat-5815	200	53	musyaraka	musyaraka	NOUN
easat-5815	200	54	contracts	contract	NOUN
easat-5815	200	55	,	,	PUNCT
easat-5815	200	56	murabaha	murabaha	NOUN
easat-5815	200	57	contracts	contract	NOUN
easat-5815	200	58	,	,	PUNCT
easat-5815	200	59	istishna	istishna	NOUN
easat-5815	200	60	contracts	contract	NOUN
easat-5815	200	61	,	,	PUNCT
easat-5815	200	62	ijara	ijara	NOUN
easat-5815	200	63	contracts	contract	NOUN
easat-5815	200	64	and	and	CCONJ
easat-5815	200	65	other	other	ADJ
easat-5815	200	66	contracts	contract	NOUN
easat-5815	200	67	compared	compare	VERB
easat-5815	200	68	to	to	ADP
easat-5815	200	69	the	the	DET
easat-5815	200	70	amount	amount	NOUN
easat-5815	200	71	of	of	ADP
easat-5815	200	72	funding	funding	NOUN
easat-5815	200	73	consisting	consist	VERB
easat-5815	200	74	of	of	ADP
easat-5815	200	75	funding	funding	NOUN
easat-5815	200	76	from	from	ADP
easat-5815	200	77	the	the	DET
easat-5815	200	78	community	community	NOUN
easat-5815	200	79	,	,	PUNCT
easat-5815	200	80	both	both	DET
easat-5815	200	81	deposits	deposit	NOUN
easat-5815	200	82	,	,	PUNCT
easat-5815	200	83	savings	saving	NOUN
easat-5815	200	84	and	and	CCONJ
easat-5815	200	85	current	current	ADJ
easat-5815	200	86	accounts	account	NOUN
easat-5815	200	87	,	,	PUNCT
easat-5815	200	88	with	with	ADP
easat-5815	200	89	mudharaba	mudharaba	NOUN
easat-5815	200	90	contracts	contract	NOUN
easat-5815	200	91	and	and	CCONJ
easat-5815	200	92	wadi'ah	wadi'ah	NOUN
easat-5815	200	93	contracts	contract	NOUN
easat-5815	200	94	,	,	PUNCT
easat-5815	200	95	and	and	CCONJ
easat-5815	200	96	this	this	DET
easat-5815	200	97	variable	variable	NOUN
easat-5815	200	98	is	be	AUX
easat-5815	200	99	notated	notate	VERB
easat-5815	200	100	as	as	ADP
easat-5815	200	101	the	the	DET
easat-5815	200	102	x1	x1	PROPN
easat-5815	200	103	variate	variate	NOUN
easat-5815	200	104	,	,	PUNCT
easat-5815	200	105	in	in	ADP
easat-5815	200	106	the	the	DET
easat-5815	200	107	previous	previous	ADJ
easat-5815	200	108	study	study	NOUN
easat-5815	200	109	halim	halim	PROPN
easat-5815	200	110	and	and	CCONJ
easat-5815	200	111	buana	buana	PROPN
easat-5815	201	1	[	[	X
easat-5815	201	2	4	4	X
easat-5815	201	3	]	]	PUNCT
easat-5815	201	4	formulas	formula	NOUN
easat-5815	201	5	used	use	VERB
easat-5815	201	6	were	be	AUX
easat-5815	201	7	:	:	PUNCT
easat-5815	201	8	total	total	ADJ
easat-5815	201	9	financing	financing	NOUN
easat-5815	201	10	amount	amount	NOUN
easat-5815	201	11	fdr	fdr	PROPN
easat-5815	201	12	=	=	SYM
easat-5815	201	13	-----------------------------------------------100	-----------------------------------------------100	PROPN
easat-5815	201	14	%	%	NOUN
easat-5815	201	15	community	community	NOUN
easat-5815	201	16	funding	fund	VERB
easat-5815	201	17	the	the	DET
easat-5815	201	18	formula	formula	NOUN
easat-5815	201	19	used	use	VERB
easat-5815	201	20	in	in	ADP
easat-5815	201	21	this	this	DET
easat-5815	201	22	study	study	NOUN
easat-5815	201	23	is	be	AUX
easat-5815	201	24	also	also	ADV
easat-5815	201	25	the	the	DET
easat-5815	201	26	same	same	ADJ
easat-5815	201	27	as	as	ADP
easat-5815	201	28	the	the	DET
easat-5815	201	29	formula	formula	NOUN
easat-5815	201	30	above	above	ADV
easat-5815	201	31	,	,	PUNCT
easat-5815	201	32	and	and	CCONJ
easat-5815	201	33	will	will	AUX
easat-5815	201	34	be	be	AUX
easat-5815	201	35	analyzed	analyze	VERB
easat-5815	201	36	as	as	ADP
easat-5815	201	37	part	part	NOUN
easat-5815	201	38	of	of	ADP
easat-5815	201	39	an	an	DET
easat-5815	201	40	independent	independent	ADJ
easat-5815	201	41	variable	variable	NOUN
easat-5815	201	42	.	.	PUNCT
easat-5815	202	1	3.3.2.2	3.3.2.2	X
easat-5815	202	2	.	.	PUNCT
easat-5815	202	3	operating	operating	NOUN
easat-5815	202	4	costs	cost	NOUN
easat-5815	202	5	to	to	ADP
easat-5815	202	6	operating	operate	VERB
easat-5815	202	7	revenue	revenue	NOUN
easat-5815	202	8	the	the	DET
easat-5815	202	9	operating	operating	NOUN
easat-5815	202	10	cost	cost	NOUN
easat-5815	202	11	variable	variable	NOUN
easat-5815	202	12	is	be	AUX
easat-5815	202	13	noted	note	VERB
easat-5815	202	14	as	as	ADP
easat-5815	202	15	an	an	DET
easat-5815	202	16	x2	x2	ADJ
easat-5815	202	17	variable	variable	NOUN
easat-5815	202	18	,	,	PUNCT
easat-5815	202	19	with	with	SCONJ
easat-5815	202	20	the	the	DET
easat-5815	202	21	proxy	proxy	NOUN
easat-5815	202	22	used	use	VERB
easat-5815	202	23	being	be	AUX
easat-5815	202	24	the	the	DET
easat-5815	202	25	operating	operating	NOUN
easat-5815	202	26	cost	cost	NOUN
easat-5815	202	27	to	to	ADP
easat-5815	202	28	operating	operate	VERB
easat-5815	202	29	income	income	NOUN
easat-5815	202	30	.	.	PUNCT
easat-5815	203	1	according	accord	VERB
easat-5815	203	2	to	to	ADP
easat-5815	203	3	andrianto	andrianto	NOUN
easat-5815	203	4	and	and	CCONJ
easat-5815	203	5	firmansyah	firmansyah	X
easat-5815	203	6	[	[	X
easat-5815	203	7	3	3	X
easat-5815	203	8	]	]	PUNCT
easat-5815	203	9	the	the	DET
easat-5815	203	10	operating	operating	NOUN
easat-5815	203	11	cost	cost	NOUN
easat-5815	203	12	ratio	ratio	NOUN
easat-5815	203	13	(	(	PUNCT
easat-5815	203	14	ocr	ocr	NOUN
easat-5815	203	15	)	)	PUNCT
easat-5815	203	16	measures	measure	VERB
easat-5815	203	17	the	the	DET
easat-5815	203	18	proportion	proportion	NOUN
easat-5815	203	19	of	of	ADP
easat-5815	203	20	operating	operating	NOUN
easat-5815	203	21	costs	cost	NOUN
easat-5815	203	22	to	to	ADP
easat-5815	203	23	operating	operate	VERB
easat-5815	203	24	income	income	NOUN
easat-5815	203	25	.	.	PUNCT
easat-5815	204	1	opex	opex	X
easat-5815	204	2	(	(	PUNCT
easat-5815	204	3	operational	operational	ADJ
easat-5815	204	4	expenditures	expenditure	NOUN
easat-5815	204	5	)	)	PUNCT
easat-5815	204	6	ocoi	ocoi	NOUN
easat-5815	204	7	=	=	SYM
easat-5815	204	8	-----------------------------------------x	-----------------------------------------x	NUM
easat-5815	204	9	100	100	NUM
easat-5815	204	10	%	%	NOUN
easat-5815	204	11	operating	operating	NOUN
easat-5815	204	12	income	income	NOUN
easat-5815	204	13	the	the	DET
easat-5815	204	14	formula	formula	NOUN
easat-5815	204	15	used	use	VERB
easat-5815	204	16	has	have	AUX
easat-5815	204	17	been	be	AUX
easat-5815	204	18	used	use	VERB
easat-5815	204	19	in	in	ADP
easat-5815	204	20	the	the	DET
easat-5815	204	21	previous	previous	ADJ
easat-5815	204	22	research	research	NOUN
easat-5815	204	23	halim	halim	PROPN
easat-5815	204	24	and	and	CCONJ
easat-5815	204	25	buana	buana	PROPN
easat-5815	205	1	[	[	X
easat-5815	205	2	4	4	X
easat-5815	205	3	]	]	PUNCT
easat-5815	205	4	which	which	PRON
easat-5815	205	5	is	be	AUX
easat-5815	205	6	also	also	ADV
easat-5815	205	7	utilized	utilize	VERB
easat-5815	205	8	in	in	ADP
easat-5815	205	9	this	this	DET
easat-5815	205	10	research	research	NOUN
easat-5815	205	11	,	,	PUNCT
easat-5815	205	12	but	but	CCONJ
easat-5815	205	13	the	the	DET
easat-5815	205	14	object	object	NOUN
easat-5815	205	15	of	of	ADP
easat-5815	205	16	research	research	NOUN
easat-5815	205	17	is	be	AUX
easat-5815	205	18	the	the	DET
easat-5815	205	19	sharia	sharia	PROPN
easat-5815	205	20	business	business	PROPN
easat-5815	205	21	unit	unit	NOUN
easat-5815	205	22	.	.	PUNCT
easat-5815	206	1	2422	2422	NUM
easat-5815	206	2	edelweiss	edelweiss	PROPN
easat-5815	206	3	applied	apply	VERB
easat-5815	206	4	science	science	NOUN
easat-5815	206	5	and	and	CCONJ
easat-5815	206	6	technology	technology	NOUN
easat-5815	206	7	issn	issn	PROPN
easat-5815	206	8	:	:	PUNCT
easat-5815	206	9	2576	2576	NUM
easat-5815	206	10	-	-	SYM
easat-5815	206	11	8484	8484	NUM
easat-5815	206	12	vol	vol	NOUN
easat-5815	206	13	.	.	PROPN
easat-5815	207	1	9	9	NUM
easat-5815	207	2	,	,	PUNCT
easat-5815	207	3	no	no	INTJ
easat-5815	207	4	.	.	NOUN
easat-5815	208	1	3	3	NUM
easat-5815	208	2	:	:	SYM
easat-5815	208	3	2413	2413	NUM
easat-5815	208	4	-	-	SYM
easat-5815	208	5	2434	2434	NUM
easat-5815	208	6	,	,	PUNCT
easat-5815	208	7	2025	2025	NUM
easat-5815	208	8	doi	doi	NOUN
easat-5815	208	9	:	:	PUNCT
easat-5815	208	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	208	11	©	©	PROPN
easat-5815	208	12	2025	2025	NUM
easat-5815	208	13	by	by	ADP
easat-5815	208	14	the	the	DET
easat-5815	208	15	author	author	NOUN
easat-5815	208	16	;	;	PUNCT
easat-5815	208	17	licensee	licensee	PROPN
easat-5815	208	18	learning	learn	VERB
easat-5815	208	19	gate	gate	NOUN
easat-5815	208	20	3.3.3	3.3.3	PROPN
easat-5815	208	21	.	.	PUNCT
easat-5815	208	22	variable	variable	NOUN
easat-5815	208	23	intervening	intervene	VERB
easat-5815	208	24	this	this	DET
easat-5815	208	25	variable	variable	NOUN
easat-5815	208	26	is	be	AUX
easat-5815	208	27	a	a	DET
easat-5815	208	28	variable	variable	NOUN
easat-5815	208	29	between	between	ADP
easat-5815	208	30	the	the	DET
easat-5815	208	31	one	one	NOUN
easat-5815	208	32	that	that	PRON
easat-5815	208	33	mediates	mediate	VERB
easat-5815	208	34	the	the	DET
easat-5815	208	35	dependent	dependent	ADJ
easat-5815	208	36	variable	variable	NOUN
easat-5815	208	37	and	and	CCONJ
easat-5815	208	38	independent	independent	ADJ
easat-5815	208	39	that	that	PRON
easat-5815	208	40	is	be	AUX
easat-5815	208	41	notified	notify	VERB
easat-5815	208	42	as	as	ADP
easat-5815	208	43	the	the	DET
easat-5815	208	44	z	z	NOUN
easat-5815	208	45	variable	variable	NOUN
easat-5815	208	46	.	.	PUNCT
easat-5815	209	1	the	the	DET
easat-5815	209	2	parameters	parameter	NOUN
easat-5815	209	3	used	use	VERB
easat-5815	209	4	are	be	AUX
easat-5815	209	5	risk	risk	NOUN
easat-5815	209	6	management	management	NOUN
easat-5815	209	7	with	with	ADP
easat-5815	209	8	non	non	NOUN
easat-5815	209	9	performance	performance	NOUN
easat-5815	209	10	loan	loan	NOUN
easat-5815	209	11	proxies	proxy	NOUN
easat-5815	209	12	.	.	PUNCT
easat-5815	210	1	the	the	DET
easat-5815	210	2	non	non	ADJ
easat-5815	210	3	-	-	ADJ
easat-5815	210	4	performing	performing	ADJ
easat-5815	210	5	financing	financing	NOUN
easat-5815	210	6	(	(	PUNCT
easat-5815	210	7	npf	npf	NOUN
easat-5815	210	8	)	)	PUNCT
easat-5815	210	9	ratio	ratio	NOUN
easat-5815	210	10	indicates	indicate	VERB
easat-5815	210	11	the	the	DET
easat-5815	210	12	proportion	proportion	NOUN
easat-5815	210	13	of	of	ADP
easat-5815	210	14	loans	loan	NOUN
easat-5815	210	15	that	that	PRON
easat-5815	210	16	are	be	AUX
easat-5815	210	17	not	not	PART
easat-5815	210	18	generating	generate	VERB
easat-5815	210	19	income	income	NOUN
easat-5815	210	20	to	to	ADP
easat-5815	210	21	total	total	ADJ
easat-5815	210	22	loans	loan	NOUN
easat-5815	210	23	outstanding	outstanding	ADJ
easat-5815	210	24	,	,	PUNCT
easat-5815	210	25	encompassing	encompass	VERB
easat-5815	210	26	less	less	ADV
easat-5815	210	27	current	current	ADJ
easat-5815	210	28	,	,	PUNCT
easat-5815	210	29	doubtful	doubtful	ADJ
easat-5815	210	30	,	,	PUNCT
easat-5815	210	31	and	and	CCONJ
easat-5815	210	32	nonperforming	nonperforme	VERB
easat-5815	210	33	financing	financing	NOUN
easat-5815	210	34	.	.	PUNCT
easat-5815	211	1	the	the	DET
easat-5815	211	2	gross	gross	ADJ
easat-5815	211	3	npf	npf	NOUN
easat-5815	211	4	formula	formula	NOUN
easat-5815	211	5	is	be	AUX
easat-5815	211	6	as	as	SCONJ
easat-5815	211	7	follows	follow	VERB
easat-5815	211	8	:	:	PUNCT
easat-5815	212	1	credits	credit	NOUN
easat-5815	212	2	awarded	award	VERB
easat-5815	212	3	with	with	ADP
easat-5815	212	4	collectability	collectability	NOUN
easat-5815	212	5	3	3	NUM
easat-5815	212	6	to	to	PART
easat-5815	212	7	5	5	NUM
easat-5815	212	8	npf	npf	NOUN
easat-5815	212	9	gross	gross	ADJ
easat-5815	212	10	=	=	NOUN
easat-5815	212	11	-------------------------------------------------------------------x	-------------------------------------------------------------------x	NUM
easat-5815	212	12	100	100	NUM
easat-5815	212	13	%	%	NOUN
easat-5815	212	14	total	total	ADJ
easat-5815	212	15	financing	financing	NOUN
easat-5815	212	16	provided	provide	VERB
easat-5815	212	17	the	the	DET
easat-5815	212	18	npf	npf	PROPN
easat-5815	212	19	net	net	ADJ
easat-5815	212	20	analysis	analysis	NOUN
easat-5815	212	21	considers	consider	VERB
easat-5815	212	22	the	the	DET
easat-5815	212	23	reduction	reduction	NOUN
easat-5815	212	24	of	of	ADP
easat-5815	212	25	ppap	ppap	NOUN
easat-5815	212	26	from	from	ADP
easat-5815	212	27	non	non	ADJ
easat-5815	212	28	-	-	ADJ
easat-5815	212	29	performing	performing	ADJ
easat-5815	212	30	loans	loan	NOUN
easat-5815	212	31	,	,	PUNCT
easat-5815	212	32	with	with	ADP
easat-5815	212	33	the	the	DET
easat-5815	212	34	npf	npf	PROPN
easat-5815	212	35	net	net	ADJ
easat-5815	212	36	formulation	formulation	NOUN
easat-5815	212	37	being	be	AUX
easat-5815	212	38	as	as	SCONJ
easat-5815	212	39	follows	follow	VERB
easat-5815	212	40	:	:	PUNCT
easat-5815	212	41	credits	credit	NOUN
easat-5815	212	42	awarded	award	VERB
easat-5815	212	43	with	with	ADP
easat-5815	212	44	collectability	collectability	NOUN
easat-5815	212	45	3	3	NUM
easat-5815	212	46	to	to	ADP
easat-5815	212	47	5	5	NUM
easat-5815	212	48	–	–	PUNCT
easat-5815	212	49	ppap	ppap	NOUN
easat-5815	212	50	with	with	ADP
easat-5815	212	51	collectability	collectability	NOUN
easat-5815	212	52	3	3	NUM
easat-5815	212	53	to	to	PART
easat-5815	212	54	5	5	NUM
easat-5815	212	55	npf	npf	ADJ
easat-5815	212	56	-	-	ADJ
easat-5815	212	57	net	net	NOUN
easat-5815	212	58	=	=	PUNCT
easat-5815	212	59	------------------------------------------------------------------------------x100	------------------------------------------------------------------------------x100	PROPN
easat-5815	212	60	%	%	NOUN
easat-5815	212	61	total	total	ADJ
easat-5815	212	62	financing	financing	NOUN
easat-5815	212	63	provided	provide	VERB
easat-5815	212	64	the	the	DET
easat-5815	212	65	formula	formula	NOUN
easat-5815	212	66	used	use	VERB
easat-5815	212	67	in	in	ADP
easat-5815	212	68	this	this	DET
easat-5815	212	69	study	study	NOUN
easat-5815	212	70	is	be	AUX
easat-5815	212	71	npf	npf	NOUN
easat-5815	212	72	-	-	PUNCT
easat-5815	212	73	net	net	NOUN
easat-5815	212	74	,	,	PUNCT
easat-5815	212	75	and	and	CCONJ
easat-5815	212	76	this	this	DET
easat-5815	212	77	formula	formula	NOUN
easat-5815	212	78	was	be	AUX
easat-5815	212	79	also	also	ADV
easat-5815	212	80	used	use	VERB
easat-5815	212	81	in	in	ADP
easat-5815	212	82	previous	previous	ADJ
easat-5815	212	83	studies4	studies4	NOUN
easat-5815	212	84	.	.	PROPN
easat-5815	213	1	4	4	X
easat-5815	213	2	.	.	X
easat-5815	213	3	method	method	NOUN
easat-5815	213	4	of	of	ADP
easat-5815	213	5	data	datum	NOUN
easat-5815	213	6	analysis	analysis	NOUN
easat-5815	213	7	the	the	DET
easat-5815	213	8	research	research	NOUN
easat-5815	213	9	utilizes	utilize	VERB
easat-5815	213	10	numerical	numerical	ADJ
easat-5815	213	11	quantitative	quantitative	ADJ
easat-5815	213	12	data	datum	NOUN
easat-5815	213	13	,	,	PUNCT
easat-5815	213	14	with	with	ADP
easat-5815	213	15	eps	eps	PROPN
easat-5815	213	16	facilitating	facilitate	VERB
easat-5815	213	17	data	datum	NOUN
easat-5815	213	18	analysis	analysis	NOUN
easat-5815	213	19	.	.	PUNCT
easat-5815	214	1	4.1	4.1	NUM
easat-5815	214	2	.	.	PUNCT
easat-5815	214	3	hypothesis	hypothesis	NOUN
easat-5815	214	4	test	test	NOUN
easat-5815	214	5	4.1.1	4.1.1	NUM
easat-5815	214	6	.	.	PUNCT
easat-5815	215	1	multiple	multiple	ADJ
easat-5815	215	2	linear	linear	ADJ
easat-5815	215	3	regression	regression	NOUN
easat-5815	215	4	analysis	analysis	NOUN
easat-5815	215	5	this	this	DET
easat-5815	215	6	study	study	NOUN
easat-5815	215	7	analyzes	analyze	VERB
easat-5815	215	8	the	the	DET
easat-5815	215	9	impact	impact	NOUN
easat-5815	215	10	of	of	ADP
easat-5815	215	11	tax	tax	NOUN
easat-5815	215	12	aggressiveness	aggressiveness	NOUN
easat-5815	215	13	,	,	PUNCT
easat-5815	215	14	thin	thin	ADJ
easat-5815	215	15	capital	capital	NOUN
easat-5815	215	16	,	,	PUNCT
easat-5815	215	17	company	company	NOUN
easat-5815	215	18	value	value	NOUN
easat-5815	215	19	,	,	PUNCT
easat-5815	215	20	and	and	CCONJ
easat-5815	215	21	financial	financial	ADJ
easat-5815	215	22	performance	performance	NOUN
easat-5815	215	23	on	on	ADP
easat-5815	215	24	stock	stock	NOUN
easat-5815	215	25	price	price	NOUN
easat-5815	215	26	changes	change	NOUN
easat-5815	215	27	using	use	VERB
easat-5815	215	28	multiple	multiple	ADJ
easat-5815	215	29	linear	linear	ADJ
easat-5815	215	30	regression	regression	NOUN
easat-5815	215	31	regression	regression	NOUN
easat-5815	215	32	test	test	NOUN
easat-5815	215	33	1	1	NUM
easat-5815	215	34	:	:	PUNCT
easat-5815	215	35	y=	y=	NUM
easat-5815	216	1	α	α	PROPN
easat-5815	216	2	+	+	X
easat-5815	216	3	β1x1	β1x1	PUNCT
easat-5815	217	1	+	+	NUM
easat-5815	217	2	β2x2	β2x2	PUNCT
easat-5815	217	3	+	+	NOUN
easat-5815	217	4	e	e	X
easat-5815	217	5	where	where	SCONJ
easat-5815	217	6	:	:	PUNCT
easat-5815	217	7	y	y	NOUN
easat-5815	217	8	=	=	PUNCT
easat-5815	217	9	performance	performance	NOUN
easat-5815	217	10	–	–	PUNCT
easat-5815	217	11	sharia	sharia	PROPN
easat-5815	217	12	business	business	NOUN
easat-5815	217	13	unit	unit	NOUN
easat-5815	217	14	α	α	PROPN
easat-5815	217	15	=	=	SYM
easat-5815	217	16	β1	β1	PROPN
easat-5815	217	17	–	–	PUNCT
easat-5815	217	18	3	3	NUM
easat-5815	217	19	=	=	SYM
easat-5815	217	20	regression	regression	NOUN
easat-5815	217	21	coefficient	coefficient	NOUN
easat-5815	217	22	x1	x1	NOUN
easat-5815	218	1	=	=	PUNCT
easat-5815	218	2	financing	finance	VERB
easat-5815	218	3	structure	structure	NOUN
easat-5815	218	4	on	on	ADP
easat-5815	218	5	funding	fund	VERB
easat-5815	218	6	x2	x2	PROPN
easat-5815	219	1	=	=	PUNCT
easat-5815	219	2	operational	operational	ADJ
easat-5815	219	3	costs	cost	NOUN
easat-5815	219	4	e	e	NOUN
easat-5815	219	5	=	=	NOUN
easat-5815	219	6	error	error	NOUN
easat-5815	219	7	standard	standard	ADJ
easat-5815	219	8	regression	regression	NOUN
easat-5815	219	9	test	test	NOUN
easat-5815	219	10	2	2	NUM
easat-5815	219	11	:	:	PUNCT
easat-5815	219	12	y=	y=	NUM
easat-5815	219	13	α	α	PROPN
easat-5815	220	1	+	+	X
easat-5815	220	2	β1x1	β1x1	PUNCT
easat-5815	221	1	+	+	NUM
easat-5815	221	2	βz+e	βz+e	NUM
easat-5815	222	1	where	where	SCONJ
easat-5815	222	2	:	:	PUNCT
easat-5815	222	3	y	y	NOUN
easat-5815	222	4	=	=	PUNCT
easat-5815	222	5	performance	performance	NOUN
easat-5815	222	6	–	–	PUNCT
easat-5815	222	7	sharia	sharia	PROPN
easat-5815	222	8	business	business	NOUN
easat-5815	222	9	unit	unit	NOUN
easat-5815	222	10	α	α	NOUN
easat-5815	222	11	=	=	PUNCT
easat-5815	222	12	β	β	X
easat-5815	222	13	constant	constant	ADJ
easat-5815	222	14	=	=	X
easat-5815	222	15	regression	regression	NOUN
easat-5815	222	16	coefficient	coefficient	NOUN
easat-5815	222	17	x1	x1	NOUN
easat-5815	223	1	=	=	PUNCT
easat-5815	223	2	financing	finance	VERB
easat-5815	223	3	structure	structure	NOUN
easat-5815	223	4	on	on	ADP
easat-5815	223	5	funding	fund	VERB
easat-5815	223	6	z	z	NOUN
easat-5815	223	7	=	=	PUNCT
easat-5815	223	8	risk	risk	NOUN
easat-5815	223	9	management	management	NOUN
easat-5815	223	10	e	e	NOUN
easat-5815	223	11	=	=	SYM
easat-5815	223	12	standard	standard	ADJ
easat-5815	223	13	error	error	NOUN
easat-5815	223	14	regression	regression	NOUN
easat-5815	223	15	test	test	NOUN
easat-5815	223	16	3	3	NUM
easat-5815	223	17	y	y	NOUN
easat-5815	223	18	=	=	PUNCT
easat-5815	223	19	α	α	PROPN
easat-5815	223	20	+	+	NOUN
easat-5815	223	21	β2x2	β2x2	PUNCT
easat-5815	223	22	+	+	NOUN
easat-5815	223	23	βz+e	βz+e	NUM
easat-5815	224	1	where	where	SCONJ
easat-5815	224	2	:	:	PUNCT
easat-5815	224	3	y	y	NOUN
easat-5815	224	4	=	=	NOUN
easat-5815	224	5	performance	performance	NOUN
easat-5815	224	6	–	–	PUNCT
easat-5815	224	7	business	business	NOUN
easat-5815	224	8	unit	unit	NOUN
easat-5815	224	9	of	of	ADP
easat-5815	224	10	sharia	sharia	PROPN
easat-5815	224	11	α	α	PROPN
easat-5815	224	12	=	=	SYM
easat-5815	224	13	constant	constant	ADJ
easat-5815	224	14	2423	2423	NUM
easat-5815	224	15	edelweiss	edelweiss	PROPN
easat-5815	224	16	applied	apply	VERB
easat-5815	224	17	science	science	NOUN
easat-5815	224	18	and	and	CCONJ
easat-5815	224	19	technology	technology	NOUN
easat-5815	224	20	issn	issn	PROPN
easat-5815	224	21	:	:	PUNCT
easat-5815	224	22	2576	2576	NUM
easat-5815	224	23	-	-	SYM
easat-5815	224	24	8484	8484	NUM
easat-5815	224	25	vol	vol	NOUN
easat-5815	224	26	.	.	PROPN
easat-5815	225	1	9	9	NUM
easat-5815	225	2	,	,	PUNCT
easat-5815	225	3	no	no	INTJ
easat-5815	225	4	.	.	NOUN
easat-5815	226	1	3	3	NUM
easat-5815	226	2	:	:	SYM
easat-5815	226	3	2413	2413	NUM
easat-5815	226	4	-	-	SYM
easat-5815	226	5	2434	2434	NUM
easat-5815	226	6	,	,	PUNCT
easat-5815	226	7	2025	2025	NUM
easat-5815	226	8	doi	doi	NOUN
easat-5815	226	9	:	:	PUNCT
easat-5815	226	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	226	11	©	©	PROPN
easat-5815	226	12	2025	2025	NUM
easat-5815	226	13	by	by	ADP
easat-5815	226	14	the	the	DET
easat-5815	226	15	author	author	NOUN
easat-5815	226	16	;	;	PUNCT
easat-5815	227	1	licensee	licensee	PROPN
easat-5815	227	2	learning	learn	VERB
easat-5815	227	3	gate	gate	NOUN
easat-5815	227	4	β	β	X
easat-5815	227	5	=	=	PUNCT
easat-5815	227	6	regression	regression	NOUN
easat-5815	227	7	coefficient	coefficient	NOUN
easat-5815	228	1	x2	x2	INTJ
easat-5815	228	2	=	=	SYM
easat-5815	228	3	operational	operational	ADJ
easat-5815	228	4	cost	cost	NOUN
easat-5815	228	5	z	z	NOUN
easat-5815	228	6	=	=	PUNCT
easat-5815	228	7	risk	risk	NOUN
easat-5815	228	8	management	management	NOUN
easat-5815	228	9	e	e	NOUN
easat-5815	228	10	=	=	SYM
easat-5815	228	11	standard	standard	ADJ
easat-5815	228	12	error	error	NOUN
easat-5815	228	13	4.1.2	4.1.2	NUM
easat-5815	228	14	.	.	PUNCT
easat-5815	228	15	partial	partial	ADJ
easat-5815	228	16	significance	significance	NOUN
easat-5815	228	17	test	test	NOUN
easat-5815	228	18	(	(	PUNCT
easat-5815	228	19	statistical	statistical	ADJ
easat-5815	228	20	test	test	NOUN
easat-5815	228	21	t	t	NOUN
easat-5815	228	22	)	)	PUNCT
easat-5815	228	23	1	1	NUM
easat-5815	228	24	)	)	PUNCT
easat-5815	228	25	significance	significance	NOUN
easat-5815	228	26	test	test	NOUN
easat-5815	228	27	this	this	DET
easat-5815	228	28	test	test	NOUN
easat-5815	228	29	uses	use	VERB
easat-5815	228	30	a	a	DET
easat-5815	228	31	0.05	0.05	NUM
easat-5815	228	32	significance	significance	NOUN
easat-5815	228	33	level	level	NOUN
easat-5815	228	34	.	.	PUNCT
easat-5815	229	1	if	if	SCONJ
easat-5815	229	2	the	the	DET
easat-5815	229	3	t	t	NOUN
easat-5815	229	4	-	-	PUNCT
easat-5815	229	5	test	test	NOUN
easat-5815	229	6	significance	significance	NOUN
easat-5815	229	7	value	value	NOUN
easat-5815	229	8	exceeds	exceed	VERB
easat-5815	229	9	0.05	0.05	NUM
easat-5815	229	10	,	,	PUNCT
easat-5815	229	11	h0	h0	PROPN
easat-5815	229	12	is	be	AUX
easat-5815	229	13	accepted	accept	VERB
easat-5815	229	14	,	,	PUNCT
easat-5815	229	15	indicating	indicate	VERB
easat-5815	229	16	no	no	DET
easat-5815	229	17	significant	significant	ADJ
easat-5815	229	18	influence	influence	NOUN
easat-5815	229	19	.	.	PUNCT
easat-5815	230	1	conversely	conversely	ADV
easat-5815	230	2	,	,	PUNCT
easat-5815	230	3	if	if	SCONJ
easat-5815	230	4	the	the	DET
easat-5815	230	5	value	value	NOUN
easat-5815	230	6	is	be	AUX
easat-5815	230	7	below	below	ADP
easat-5815	230	8	0.05	0.05	NUM
easat-5815	230	9	,	,	PUNCT
easat-5815	230	10	ha	ha	INTJ
easat-5815	230	11	is	be	AUX
easat-5815	230	12	accepted	accept	VERB
easat-5815	230	13	,	,	PUNCT
easat-5815	230	14	indicating	indicate	VERB
easat-5815	230	15	significant	significant	ADJ
easat-5815	230	16	influence	influence	NOUN
easat-5815	230	17	.	.	PUNCT
easat-5815	231	1	1	1	NUM
easat-5815	231	2	)	)	PUNCT
easat-5815	231	3	t	t	NOUN
easat-5815	231	4	-	-	PUNCT
easat-5815	231	5	test	test	NOUN
easat-5815	231	6	the	the	DET
easat-5815	231	7	t	t	NOUN
easat-5815	231	8	-	-	PUNCT
easat-5815	231	9	test	test	NOUN
easat-5815	231	10	is	be	AUX
easat-5815	231	11	used	use	VERB
easat-5815	231	12	to	to	PART
easat-5815	231	13	determine	determine	VERB
easat-5815	231	14	the	the	DET
easat-5815	231	15	partial	partial	ADJ
easat-5815	231	16	effect	effect	NOUN
easat-5815	231	17	of	of	ADP
easat-5815	231	18	the	the	DET
easat-5815	231	19	independent	independent	ADJ
easat-5815	231	20	variable	variable	NOUN
easat-5815	231	21	on	on	ADP
easat-5815	231	22	the	the	DET
easat-5815	231	23	dependent	dependent	ADJ
easat-5815	231	24	variable	variable	NOUN
easat-5815	231	25	by	by	ADP
easat-5815	231	26	comparing	compare	VERB
easat-5815	231	27	the	the	DET
easat-5815	231	28	calculated	calculated	ADJ
easat-5815	231	29	t	t	NOUN
easat-5815	231	30	-	-	PUNCT
easat-5815	231	31	value	value	NOUN
easat-5815	231	32	with	with	ADP
easat-5815	231	33	the	the	DET
easat-5815	231	34	t	t	NOUN
easat-5815	231	35	-	-	PUNCT
easat-5815	231	36	table	table	NOUN
easat-5815	231	37	value	value	NOUN
easat-5815	231	38	.	.	PUNCT
easat-5815	232	1	4.1.3	4.1.3	X
easat-5815	232	2	.	.	PUNCT
easat-5815	232	3	determination	determination	NOUN
easat-5815	232	4	coefficient	coefficient	PROPN
easat-5815	232	5	test	test	VERB
easat-5815	232	6	the	the	DET
easat-5815	232	7	model	model	NOUN
easat-5815	232	8	's	's	PART
easat-5815	232	9	explanatory	explanatory	ADJ
easat-5815	232	10	power	power	NOUN
easat-5815	232	11	for	for	ADP
easat-5815	232	12	dependent	dependent	ADJ
easat-5815	232	13	variable	variable	ADJ
easat-5815	232	14	variation	variation	NOUN
easat-5815	232	15	is	be	AUX
easat-5815	232	16	assessed	assess	VERB
easat-5815	232	17	using	use	VERB
easat-5815	232	18	the	the	DET
easat-5815	232	19	coefficient	coefficient	NOUN
easat-5815	232	20	of	of	ADP
easat-5815	232	21	determination	determination	NOUN
easat-5815	232	22	(	(	PUNCT
easat-5815	232	23	r2	r2	PROPN
easat-5815	232	24	)	)	PUNCT
easat-5815	232	25	.	.	PUNCT
easat-5815	233	1	5	5	X
easat-5815	233	2	.	.	NOUN
easat-5815	233	3	results	result	NOUN
easat-5815	233	4	and	and	CCONJ
easat-5815	233	5	discussion	discussion	NOUN
easat-5815	233	6	this	this	DET
easat-5815	233	7	study	study	NOUN
easat-5815	233	8	employed	employ	VERB
easat-5815	233	9	descriptive	descriptive	ADJ
easat-5815	233	10	and	and	CCONJ
easat-5815	233	11	inferential	inferential	ADJ
easat-5815	233	12	statistics	statistic	NOUN
easat-5815	233	13	,	,	PUNCT
easat-5815	233	14	complemented	complement	VERB
easat-5815	233	15	by	by	ADP
easat-5815	233	16	intervening	intervene	VERB
easat-5815	233	17	regression	regression	NOUN
easat-5815	233	18	analysis	analysis	NOUN
easat-5815	233	19	,	,	PUNCT
easat-5815	233	20	to	to	PART
easat-5815	233	21	examine	examine	VERB
easat-5815	233	22	the	the	DET
easat-5815	233	23	relationships	relationship	NOUN
easat-5815	233	24	between	between	ADP
easat-5815	233	25	financing	finance	VERB
easat-5815	233	26	structure	structure	NOUN
easat-5815	233	27	.	.	PUNCT
easat-5815	234	1	risk	risk	NOUN
easat-5815	234	2	management	management	NOUN
easat-5815	234	3	acts	act	VERB
easat-5815	234	4	as	as	ADP
easat-5815	234	5	a	a	DET
easat-5815	234	6	moderating	moderate	VERB
easat-5815	234	7	variable	variable	NOUN
easat-5815	234	8	,	,	PUNCT
easat-5815	234	9	influencing	influence	VERB
easat-5815	234	10	the	the	DET
easat-5815	234	11	relationships	relationship	NOUN
easat-5815	234	12	between	between	ADP
easat-5815	234	13	variables	variable	NOUN
easat-5815	234	14	.	.	PUNCT
easat-5815	235	1	5.1	5.1	NUM
easat-5815	235	2	.	.	PUNCT
easat-5815	235	3	results	result	NOUN
easat-5815	235	4	of	of	ADP
easat-5815	235	5	intervening	intervene	VERB
easat-5815	235	6	regression	regression	NOUN
easat-5815	235	7	analysis	analysis	NOUN
easat-5815	235	8	:	:	PUNCT
easat-5815	235	9	hypothesis	hypothesis	NOUN
easat-5815	235	10	testing	test	VERB
easat-5815	235	11	this	this	DET
easat-5815	235	12	research	research	NOUN
easat-5815	235	13	investigates	investigate	VERB
easat-5815	235	14	the	the	DET
easat-5815	235	15	impact	impact	NOUN
easat-5815	235	16	of	of	ADP
easat-5815	235	17	financing	financing	NOUN
easat-5815	235	18	structure	structure	NOUN
easat-5815	235	19	and	and	CCONJ
easat-5815	235	20	operational	operational	ADJ
easat-5815	235	21	costs	cost	NOUN
easat-5815	235	22	on	on	ADP
easat-5815	235	23	risk	risk	NOUN
easat-5815	235	24	management	management	NOUN
easat-5815	235	25	and	and	CCONJ
easat-5815	235	26	financial	financial	ADJ
easat-5815	235	27	performance	performance	NOUN
easat-5815	235	28	using	use	VERB
easat-5815	235	29	a	a	DET
easat-5815	235	30	two	two	NUM
easat-5815	235	31	-	-	PUNCT
easat-5815	235	32	stage	stage	NOUN
easat-5815	235	33	analytical	analytical	ADJ
easat-5815	235	34	framework	framework	NOUN
easat-5815	235	35	.	.	PUNCT
easat-5815	236	1	this	this	DET
easat-5815	236	2	study	study	NOUN
easat-5815	236	3	utilized	utilize	VERB
easat-5815	236	4	a	a	DET
easat-5815	236	5	sequential	sequential	ADJ
easat-5815	236	6	regression	regression	NOUN
easat-5815	236	7	approach	approach	NOUN
easat-5815	236	8	to	to	PART
easat-5815	236	9	investigate	investigate	VERB
easat-5815	236	10	the	the	DET
easat-5815	236	11	effects	effect	NOUN
easat-5815	236	12	of	of	ADP
easat-5815	236	13	financing	finance	VERB
easat-5815	236	14	structure	structure	NOUN
easat-5815	236	15	on	on	ADP
easat-5815	236	16	risk	risk	NOUN
easat-5815	236	17	management	management	NOUN
easat-5815	236	18	and	and	CCONJ
easat-5815	236	19	financial	financial	ADJ
easat-5815	236	20	outcomes	outcome	NOUN
easat-5815	236	21	,	,	PUNCT
easat-5815	236	22	operational	operational	ADJ
easat-5815	236	23	costs	cost	NOUN
easat-5815	236	24	and	and	CCONJ
easat-5815	236	25	risk	risk	NOUN
easat-5815	236	26	management	management	NOUN
easat-5815	236	27	on	on	ADP
easat-5815	236	28	financial	financial	ADJ
easat-5815	236	29	performance	performance	NOUN
easat-5815	236	30	.	.	PUNCT
easat-5815	237	1	5.1.1	5.1.1	X
easat-5815	237	2	.	.	PUNCT
easat-5815	238	1	examining	examine	VERB
easat-5815	238	2	the	the	DET
easat-5815	238	3	hypothesis	hypothesis	NOUN
easat-5815	238	4	:	:	PUNCT
easat-5815	238	5	the	the	DET
easat-5815	238	6	impact	impact	NOUN
easat-5815	238	7	of	of	ADP
easat-5815	238	8	financing	financing	NOUN
easat-5815	238	9	structure	structure	NOUN
easat-5815	238	10	and	and	CCONJ
easat-5815	238	11	operating	operating	NOUN
easat-5815	238	12	costs	cost	NOUN
easat-5815	238	13	on	on	ADP
easat-5815	238	14	operating	operate	VERB
easat-5815	238	15	income	income	NOUN
easat-5815	238	16	and	and	CCONJ
easat-5815	238	17	risk	risk	NOUN
easat-5815	238	18	management	management	NOUN
easat-5815	238	19	(	(	PUNCT
easat-5815	238	20	sub	sub	NOUN
easat-5815	238	21	structure	structure	NOUN
easat-5815	238	22	1	1	NUM
easat-5815	238	23	)	)	PUNCT
easat-5815	238	24	the	the	DET
easat-5815	238	25	hypothesis	hypothesis	NOUN
easat-5815	238	26	of	of	ADP
easat-5815	238	27	this	this	DET
easat-5815	238	28	research	research	NOUN
easat-5815	238	29	examines	examine	VERB
easat-5815	238	30	how	how	SCONJ
easat-5815	238	31	financing	financing	NOUN
easat-5815	238	32	structure	structure	NOUN
easat-5815	238	33	(	(	PUNCT
easat-5815	238	34	x1	x1	PROPN
easat-5815	238	35	)	)	PUNCT
easat-5815	238	36	and	and	CCONJ
easat-5815	238	37	operational	operational	ADJ
easat-5815	238	38	costs	cost	NOUN
easat-5815	238	39	(	(	PUNCT
easat-5815	238	40	x2	x2	X
easat-5815	238	41	)	)	PUNCT
easat-5815	238	42	affect	affect	VERB
easat-5815	238	43	risk	risk	NOUN
easat-5815	238	44	management	management	NOUN
easat-5815	238	45	(	(	PUNCT
easat-5815	238	46	z	z	NOUN
easat-5815	238	47	)	)	PUNCT
easat-5815	238	48	,	,	PUNCT
easat-5815	238	49	the	the	DET
easat-5815	238	50	analysis	analysis	NOUN
easat-5815	238	51	demonstrated	demonstrate	VERB
easat-5815	238	52	a	a	DET
easat-5815	238	53	mediating	mediate	VERB
easat-5815	238	54	effect	effect	NOUN
easat-5815	238	55	of	of	ADP
easat-5815	238	56	z	z	NOUN
easat-5815	238	57	on	on	ADP
easat-5815	238	58	the	the	DET
easat-5815	238	59	relationships	relationship	NOUN
easat-5815	238	60	between	between	ADP
easat-5815	238	61	x1	x1	PROPN
easat-5815	238	62	,	,	PUNCT
easat-5815	238	63	x2	x2	PROPN
easat-5815	238	64	,	,	PUNCT
easat-5815	238	65	and	and	CCONJ
easat-5815	238	66	the	the	DET
easat-5815	238	67	outcome	outcome	NOUN
easat-5815	238	68	variable	variable	NOUN
easat-5815	238	69	.	.	PUNCT
easat-5815	239	1	table	table	NOUN
easat-5815	239	2	2	2	NUM
easat-5815	239	3	.	.	PUNCT
easat-5815	240	1	the	the	DET
easat-5815	240	2	effect	effect	NOUN
easat-5815	240	3	of	of	ADP
easat-5815	240	4	financing	finance	VERB
easat-5815	240	5	structure	structure	NOUN
easat-5815	240	6	on	on	ADP
easat-5815	240	7	funding	funding	NOUN
easat-5815	240	8	(	(	PUNCT
easat-5815	240	9	x1	x1	PROPN
easat-5815	240	10	)	)	PUNCT
easat-5815	240	11	and	and	CCONJ
easat-5815	240	12	operating	operating	NOUN
easat-5815	240	13	costs	cost	NOUN
easat-5815	240	14	on	on	ADP
easat-5815	240	15	operating	operate	VERB
easat-5815	240	16	income	income	NOUN
easat-5815	240	17	(	(	PUNCT
easat-5815	240	18	x2	x2	PROPN
easat-5815	240	19	)	)	PUNCT
easat-5815	240	20	on	on	ADP
easat-5815	240	21	risk	risk	NOUN
easat-5815	240	22	management	management	NOUN
easat-5815	240	23	(	(	PUNCT
easat-5815	240	24	z	z	NOUN
easat-5815	240	25	)	)	PUNCT
easat-5815	240	26	.	.	PUNCT
easat-5815	241	1	coefficients	coefficient	NOUN
easat-5815	241	2	type	type	VERB
easat-5815	241	3	unstandardized	unstandardized	ADJ
easat-5815	241	4	coefficients	coefficient	NOUN
easat-5815	241	5	standardized	standardize	VERB
easat-5815	241	6	coefficients	coefficient	NOUN
easat-5815	241	7	t	t	PROPN
easat-5815	241	8	sig	sig	PROPN
easat-5815	241	9	.	.	PUNCT
easat-5815	242	1	correlations	correlation	NOUN
easat-5815	242	2	b	b	NOUN
easat-5815	242	3	std	std	X
easat-5815	242	4	.	.	NOUN
easat-5815	242	5	error	error	NOUN
easat-5815	242	6	beta	beta	NOUN
easat-5815	242	7	zeroorder	zeroorder	NOUN
easat-5815	242	8	partial	partial	ADJ
easat-5815	242	9	part	part	NOUN
easat-5815	242	10	1	1	NUM
easat-5815	242	11	(	(	PUNCT
easat-5815	242	12	constant	constant	ADJ
easat-5815	242	13	)	)	PUNCT
easat-5815	242	14	-0.646	-0.646	X
easat-5815	242	15	0.992	0.992	NUM
easat-5815	242	16	-0.651	-0.651	NOUN
easat-5815	242	17	0.517	0.517	NUM
easat-5815	242	18	fdr	fdr	PROPN
easat-5815	242	19	0.036	0.036	NUM
easat-5815	242	20	0.007	0.007	NUM
easat-5815	242	21	0.418	0.418	NUM
easat-5815	242	22	4.831	4.831	NUM
easat-5815	242	23	0.000	0.000	NUM
easat-5815	242	24	0.387	0.387	NUM
easat-5815	242	25	0.408	0.408	NUM
easat-5815	242	26	0.407	0.407	NUM
easat-5815	242	27	ocoi	ocoi	NOUN
easat-5815	242	28	-0.018	-0.018	PUNCT
easat-5815	242	29	0.011	0.011	NUM
easat-5815	242	30	-0.140	-0.140	NOUN
easat-5815	242	31	-1.619	-1.619	NUM
easat-5815	242	32	0.108	0.108	NUM
easat-5815	242	33	-0.047	-0.047	NOUN
easat-5815	242	34	-0.148	-0.148	PUNCT
easat-5815	242	35	-0.136	-0.136	PUNCT
easat-5815	242	36	r2	r2	PROPN
easat-5815	242	37	0.168	0.168	NUM
easat-5815	242	38	note	note	NOUN
easat-5815	242	39	:	:	PUNCT
easat-5815	242	40	a.	a.	NOUN
easat-5815	242	41	dependent	dependent	ADJ
easat-5815	242	42	variable	variable	NOUN
easat-5815	242	43	:	:	PUNCT
easat-5815	243	1	npf	npf	PROPN
easat-5815	243	2	.	.	PUNCT
easat-5815	244	1	the	the	DET
easat-5815	244	2	analysis	analysis	NOUN
easat-5815	244	3	reveals	reveal	VERB
easat-5815	244	4	that	that	SCONJ
easat-5815	244	5	x1	x1	PROPN
easat-5815	244	6	and	and	CCONJ
easat-5815	244	7	x2	x2	PROPN
easat-5815	244	8	variables	variable	NOUN
easat-5815	244	9	explain	explain	VERB
easat-5815	244	10	16.8	16.8	NUM
easat-5815	244	11	%	%	NOUN
easat-5815	244	12	of	of	ADP
easat-5815	244	13	the	the	DET
easat-5815	244	14	variance	variance	NOUN
easat-5815	244	15	in	in	ADP
easat-5815	244	16	z	z	PROPN
easat-5815	244	17	variable	variable	NOUN
easat-5815	244	18	.	.	PUNCT
easat-5815	245	1	approximately	approximately	ADV
easat-5815	245	2	83.2	83.2	NUM
easat-5815	245	3	%	%	NOUN
easat-5815	245	4	of	of	ADP
easat-5815	245	5	the	the	DET
easat-5815	245	6	variance	variance	NOUN
easat-5815	245	7	in	in	ADP
easat-5815	245	8	risk	risk	NOUN
easat-5815	245	9	management	management	NOUN
easat-5815	245	10	(	(	PUNCT
easat-5815	245	11	z	z	NOUN
easat-5815	245	12	)	)	PUNCT
easat-5815	245	13	remained	remain	VERB
easat-5815	245	14	unexplained	unexplained	ADJ
easat-5815	245	15	by	by	ADP
easat-5815	245	16	the	the	DET
easat-5815	245	17	independent	independent	ADJ
easat-5815	245	18	variable	variable	NOUN
easat-5815	245	19	.	.	PUNCT
easat-5815	246	1	the	the	DET
easat-5815	246	2	regression	regression	NOUN
easat-5815	246	3	results	result	NOUN
easat-5815	246	4	indicate	indicate	VERB
easat-5815	246	5	a	a	DET
easat-5815	246	6	significant	significant	ADJ
easat-5815	246	7	positive	positive	ADJ
easat-5815	246	8	relationship	relationship	NOUN
easat-5815	246	9	between	between	ADP
easat-5815	246	10	2424	2424	NUM
easat-5815	246	11	edelweiss	edelweiss	PROPN
easat-5815	246	12	applied	apply	VERB
easat-5815	246	13	science	science	NOUN
easat-5815	246	14	and	and	CCONJ
easat-5815	246	15	technology	technology	NOUN
easat-5815	246	16	issn	issn	PROPN
easat-5815	246	17	:	:	PUNCT
easat-5815	246	18	2576	2576	NUM
easat-5815	246	19	-	-	SYM
easat-5815	246	20	8484	8484	NUM
easat-5815	246	21	vol	vol	NOUN
easat-5815	246	22	.	.	PROPN
easat-5815	247	1	9	9	NUM
easat-5815	247	2	,	,	PUNCT
easat-5815	247	3	no	no	INTJ
easat-5815	247	4	.	.	NOUN
easat-5815	248	1	3	3	NUM
easat-5815	248	2	:	:	SYM
easat-5815	248	3	2413	2413	NUM
easat-5815	248	4	-	-	SYM
easat-5815	248	5	2434	2434	NUM
easat-5815	248	6	,	,	PUNCT
easat-5815	248	7	2025	2025	NUM
easat-5815	248	8	doi	doi	NOUN
easat-5815	248	9	:	:	PUNCT
easat-5815	248	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	248	11	©	©	PROPN
easat-5815	248	12	2025	2025	NUM
easat-5815	248	13	by	by	ADP
easat-5815	248	14	the	the	DET
easat-5815	248	15	author	author	NOUN
easat-5815	248	16	;	;	PUNCT
easat-5815	248	17	licensee	licensee	PROPN
easat-5815	248	18	learning	learn	VERB
easat-5815	248	19	gate	gate	NOUN
easat-5815	248	20	financing	financing	NOUN
easat-5815	248	21	structure	structure	NOUN
easat-5815	248	22	and	and	CCONJ
easat-5815	248	23	risk	risk	NOUN
easat-5815	248	24	management	management	NOUN
easat-5815	248	25	,	,	PUNCT
easat-5815	248	26	with	with	ADP
easat-5815	248	27	a	a	DET
easat-5815	248	28	coefficient	coefficient	NOUN
easat-5815	248	29	value	value	NOUN
easat-5815	248	30	of	of	ADP
easat-5815	248	31	0.036	0.036	NUM
easat-5815	248	32	.	.	PUNCT
easat-5815	249	1	the	the	DET
easat-5815	249	2	study	study	NOUN
easat-5815	249	3	finds	find	VERB
easat-5815	249	4	a	a	DET
easat-5815	249	5	positive	positive	ADJ
easat-5815	249	6	correlation	correlation	NOUN
easat-5815	249	7	between	between	ADP
easat-5815	249	8	financing	financing	NOUN
easat-5815	249	9	structure	structure	NOUN
easat-5815	249	10	and	and	CCONJ
easat-5815	249	11	risk	risk	NOUN
easat-5815	249	12	management	management	NOUN
easat-5815	249	13	,	,	PUNCT
easat-5815	249	14	but	but	CCONJ
easat-5815	249	15	a	a	DET
easat-5815	249	16	negative	negative	ADJ
easat-5815	249	17	correlation	correlation	NOUN
easat-5815	249	18	between	between	ADP
easat-5815	249	19	operating	operate	VERB
easat-5815	249	20	costs	cost	NOUN
easat-5815	249	21	to	to	ADP
easat-5815	249	22	operating	operate	VERB
easat-5815	249	23	income	income	NOUN
easat-5815	249	24	and	and	CCONJ
easat-5815	249	25	risk	risk	NOUN
easat-5815	249	26	management	management	NOUN
easat-5815	249	27	,	,	PUNCT
easat-5815	249	28	with	with	ADP
easat-5815	249	29	coefficients	coefficient	NOUN
easat-5815	249	30	of	of	ADP
easat-5815	249	31	0.036	0.036	NUM
easat-5815	249	32	and	and	CCONJ
easat-5815	249	33	-0.018	-0.018	PROPN
easat-5815	249	34	,	,	PUNCT
easat-5815	249	35	respectively	respectively	ADV
easat-5815	249	36	.	.	PUNCT
easat-5815	250	1	the	the	DET
easat-5815	250	2	regression	regression	NOUN
easat-5815	250	3	equations	equation	NOUN
easat-5815	250	4	that	that	PRON
easat-5815	250	5	are	be	AUX
easat-5815	250	6	helped	help	VERB
easat-5815	250	7	from	from	ADP
easat-5815	250	8	the	the	DET
easat-5815	250	9	first	first	ADJ
easat-5815	250	10	substructure	substructure	NOUN
easat-5815	250	11	are	be	AUX
easat-5815	250	12	:	:	PUNCT
easat-5815	250	13	z	z	X
easat-5815	250	14	=	=	PUNCT
easat-5815	250	15	-0.646	-0.646	PUNCT
easat-5815	251	1	+	+	X
easat-5815	251	2	0.036x1	0.036x1	NUM
easat-5815	251	3	–	–	PUNCT
easat-5815	251	4	0.018x2	0.018x2	NUM
easat-5815	252	1	+	+	CCONJ
easat-5815	252	2	1	1	NUM
easat-5815	252	3	further	further	ADJ
easat-5815	252	4	analysis	analysis	NOUN
easat-5815	252	5	,	,	PUNCT
easat-5815	252	6	including	include	VERB
easat-5815	252	7	significance	significance	NOUN
easat-5815	252	8	testing	testing	NOUN
easat-5815	252	9	and	and	CCONJ
easat-5815	252	10	variance	variance	NOUN
easat-5815	252	11	analysis	analysis	NOUN
easat-5815	252	12	,	,	PUNCT
easat-5815	252	13	is	be	AUX
easat-5815	252	14	performed	perform	VERB
easat-5815	252	15	to	to	PART
easat-5815	252	16	validate	validate	VERB
easat-5815	252	17	the	the	DET
easat-5815	252	18	effect	effect	NOUN
easat-5815	252	19	of	of	ADP
easat-5815	252	20	financing	finance	VERB
easat-5815	252	21	structure	structure	NOUN
easat-5815	252	22	on	on	ADP
easat-5815	252	23	risk	risk	NOUN
easat-5815	252	24	management	management	NOUN
easat-5815	252	25	,	,	PUNCT
easat-5815	252	26	then	then	ADV
easat-5815	252	27	the	the	DET
easat-5815	252	28	financing	financing	NOUN
easat-5815	252	29	structure	structure	NOUN
easat-5815	252	30	on	on	ADP
easat-5815	252	31	funding	funding	NOUN
easat-5815	252	32	(	(	PUNCT
easat-5815	252	33	x1	x1	PROPN
easat-5815	252	34	)	)	PUNCT
easat-5815	252	35	given	give	VERB
easat-5815	252	36	the	the	DET
easat-5815	252	37	significant	significant	ADJ
easat-5815	252	38	impact	impact	NOUN
easat-5815	252	39	of	of	ADP
easat-5815	252	40	operating	operating	NOUN
easat-5815	252	41	costs	cost	NOUN
easat-5815	252	42	on	on	ADP
easat-5815	252	43	operating	operate	VERB
easat-5815	252	44	income	income	NOUN
easat-5815	252	45	(	(	PUNCT
easat-5815	252	46	x2	x2	PROPN
easat-5815	252	47	)	)	PUNCT
easat-5815	252	48	on	on	ADP
easat-5815	252	49	risk	risk	NOUN
easat-5815	252	50	management	management	NOUN
easat-5815	252	51	(	(	PUNCT
easat-5815	252	52	z	z	NOUN
easat-5815	252	53	)	)	PUNCT
easat-5815	252	54	,	,	PUNCT
easat-5815	252	55	hypothesis	hypothesis	NOUN
easat-5815	252	56	testing	testing	NOUN
easat-5815	252	57	was	be	AUX
easat-5815	252	58	conducted	conduct	VERB
easat-5815	252	59	to	to	PART
easat-5815	252	60	further	far	ADV
easat-5815	252	61	investigate	investigate	VERB
easat-5815	252	62	this	this	DET
easat-5815	252	63	relationship	relationship	NOUN
easat-5815	252	64	.	.	PUNCT
easat-5815	253	1	5.1.1.1	5.1.1.1	X
easat-5815	253	2	.	.	PUNCT
easat-5815	253	3	testing	test	VERB
easat-5815	253	4	the	the	DET
easat-5815	253	5	effect	effect	NOUN
easat-5815	253	6	of	of	ADP
easat-5815	253	7	financing	financing	NOUN
easat-5815	253	8	on	on	ADP
easat-5815	253	9	funding	funding	NOUN
easat-5815	253	10	(	(	PUNCT
easat-5815	253	11	x1	x1	PROPN
easat-5815	253	12	)	)	PUNCT
easat-5815	253	13	on	on	ADP
easat-5815	253	14	risk	risk	NOUN
easat-5815	253	15	management	management	NOUN
easat-5815	253	16	(	(	PUNCT
easat-5815	253	17	z	z	NOUN
easat-5815	253	18	)	)	PUNCT
easat-5815	253	19	the	the	DET
easat-5815	253	20	results	result	NOUN
easat-5815	253	21	of	of	ADP
easat-5815	253	22	the	the	DET
easat-5815	253	23	spss	spss	PROPN
easat-5815	253	24	calculation	calculation	NOUN
easat-5815	253	25	show	show	VERB
easat-5815	253	26	a	a	DET
easat-5815	253	27	significant	significant	ADJ
easat-5815	253	28	influence	influence	NOUN
easat-5815	253	29	of	of	ADP
easat-5815	253	30	x1	x1	PROPN
easat-5815	253	31	on	on	ADP
easat-5815	253	32	z	z	PROPN
easat-5815	253	33	,	,	PUNCT
easat-5815	253	34	namely	namely	ADV
easat-5815	253	35	:	:	PUNCT
easat-5815	253	36	table	table	NOUN
easat-5815	253	37	3	3	NUM
easat-5815	253	38	.	.	PUNCT
easat-5815	254	1	the	the	DET
easat-5815	254	2	effect	effect	NOUN
easat-5815	254	3	of	of	ADP
easat-5815	254	4	financing	finance	VERB
easat-5815	254	5	structure	structure	NOUN
easat-5815	254	6	on	on	ADP
easat-5815	254	7	funding	funding	NOUN
easat-5815	254	8	(	(	PUNCT
easat-5815	254	9	x1	x1	PROPN
easat-5815	254	10	)	)	PUNCT
easat-5815	254	11	on	on	ADP
easat-5815	254	12	risk	risk	NOUN
easat-5815	254	13	management	management	NOUN
easat-5815	254	14	(	(	PUNCT
easat-5815	254	15	z	z	NOUN
easat-5815	254	16	)	)	PUNCT
easat-5815	254	17	.	.	PUNCT
easat-5815	255	1	β	β	X
easat-5815	255	2	calculation	calculation	NOUN
easat-5815	255	3	p	p	NOUN
easat-5815	255	4	-	-	PUNCT
easat-5815	255	5	value	value	NOUN
easat-5815	255	6	label	label	NOUN
easat-5815	255	7	financing	financing	NOUN
easat-5815	255	8	structure	structure	NOUN
easat-5815	255	9	for	for	ADP
easat-5815	255	10	funding	fund	VERB
easat-5815	255	11	risk	risk	NOUN
easat-5815	255	12	management	management	NOUN
easat-5815	255	13	0.036	0.036	NUM
easat-5815	255	14	4.831	4.831	NUM
easat-5815	255	15	0.000	0.000	NUM
easat-5815	255	16	significant	significant	ADJ
easat-5815	255	17	as	as	SCONJ
easat-5815	255	18	shown	show	VERB
easat-5815	255	19	in	in	ADP
easat-5815	255	20	the	the	DET
easat-5815	255	21	table	table	NOUN
easat-5815	255	22	,	,	PUNCT
easat-5815	255	23	the	the	DET
easat-5815	255	24	relationship	relationship	NOUN
easat-5815	255	25	between	between	ADP
easat-5815	255	26	financing	finance	VERB
easat-5815	255	27	structure	structure	NOUN
easat-5815	255	28	on	on	ADP
easat-5815	255	29	funding	funding	NOUN
easat-5815	255	30	(	(	PUNCT
easat-5815	255	31	x1	x1	PROPN
easat-5815	255	32	)	)	PUNCT
easat-5815	255	33	and	and	CCONJ
easat-5815	255	34	risk	risk	NOUN
easat-5815	255	35	management	management	NOUN
easat-5815	255	36	(	(	PUNCT
easat-5815	255	37	z	z	NOUN
easat-5815	255	38	)	)	PUNCT
easat-5815	255	39	is	be	AUX
easat-5815	255	40	positive	positive	ADJ
easat-5815	255	41	,	,	PUNCT
easat-5815	255	42	with	with	ADP
easat-5815	255	43	a	a	DET
easat-5815	255	44	β	β	NOUN
easat-5815	255	45	value	value	NOUN
easat-5815	255	46	of	of	ADP
easat-5815	255	47	0.036	0.036	NUM
easat-5815	255	48	meaning	mean	VERB
easat-5815	255	49	that	that	SCONJ
easat-5815	255	50	when	when	SCONJ
easat-5815	255	51	there	there	PRON
easat-5815	255	52	is	be	VERB
easat-5815	255	53	an	an	DET
easat-5815	255	54	increase	increase	NOUN
easat-5815	255	55	in	in	ADP
easat-5815	255	56	the	the	DET
easat-5815	255	57	financing	financing	NOUN
easat-5815	255	58	structure	structure	NOUN
easat-5815	255	59	on	on	ADP
easat-5815	255	60	funding	funding	NOUN
easat-5815	255	61	(	(	PUNCT
easat-5815	255	62	x1	x1	PROPN
easat-5815	255	63	)	)	PUNCT
easat-5815	255	64	the	the	DET
easat-5815	255	65	results	result	NOUN
easat-5815	255	66	of	of	ADP
easat-5815	255	67	the	the	DET
easat-5815	255	68	analysis	analysis	NOUN
easat-5815	255	69	show	show	VERB
easat-5815	255	70	that	that	SCONJ
easat-5815	255	71	the	the	DET
easat-5815	255	72	increase	increase	NOUN
easat-5815	255	73	in	in	ADP
easat-5815	255	74	the	the	DET
easat-5815	255	75	financing	financing	NOUN
easat-5815	255	76	structure	structure	NOUN
easat-5815	255	77	(	(	PUNCT
easat-5815	255	78	x1	x1	PROPN
easat-5815	255	79	)	)	PUNCT
easat-5815	255	80	has	have	VERB
easat-5815	255	81	a	a	DET
easat-5815	255	82	positive	positive	ADJ
easat-5815	255	83	effect	effect	NOUN
easat-5815	255	84	on	on	ADP
easat-5815	255	85	risk	risk	NOUN
easat-5815	255	86	management	management	NOUN
easat-5815	255	87	(	(	PUNCT
easat-5815	255	88	z	z	NOUN
easat-5815	255	89	)	)	PUNCT
easat-5815	255	90	.	.	PUNCT
easat-5815	256	1	financing	financing	NOUN
easat-5815	256	2	structure	structure	NOUN
easat-5815	256	3	demonstrated	demonstrate	VERB
easat-5815	256	4	a	a	DET
easat-5815	256	5	significant	significant	ADJ
easat-5815	256	6	impact	impact	NOUN
easat-5815	256	7	on	on	ADP
easat-5815	256	8	risk	risk	NOUN
easat-5815	256	9	management	management	NOUN
easat-5815	256	10	,	,	PUNCT
easat-5815	256	11	as	as	SCONJ
easat-5815	256	12	evidenced	evidence	VERB
easat-5815	256	13	by	by	ADP
easat-5815	256	14	the	the	DET
easat-5815	256	15	ttest	tt	ADJ
easat-5815	256	16	(	(	PUNCT
easat-5815	256	17	t	t	NOUN
easat-5815	256	18	=	=	PUNCT
easat-5815	256	19	4.831	4.831	NUM
easat-5815	256	20	,	,	PUNCT
easat-5815	256	21	p	p	X
easat-5815	256	22	<	<	X
easat-5815	256	23	0.05	0.05	NUM
easat-5815	256	24	)	)	PUNCT
easat-5815	256	25	.	.	PUNCT
easat-5815	257	1	hypothesis	hypothesis	NOUN
easat-5815	257	2	1	1	NUM
easat-5815	257	3	h01	h01	NOUN
easat-5815	257	4	=	=	SYM
easat-5815	257	5	β=0	β=0	NOUN
easat-5815	257	6	:	:	PUNCT
easat-5815	257	7	the	the	DET
easat-5815	257	8	analysis	analysis	NOUN
easat-5815	257	9	reveals	reveal	VERB
easat-5815	257	10	that	that	SCONJ
easat-5815	257	11	financing	finance	VERB
easat-5815	257	12	structure	structure	NOUN
easat-5815	257	13	on	on	ADP
easat-5815	257	14	funding	funding	NOUN
easat-5815	257	15	has	have	VERB
easat-5815	257	16	no	no	DET
easat-5815	257	17	significant	significant	ADJ
easat-5815	257	18	impact	impact	NOUN
easat-5815	257	19	on	on	ADP
easat-5815	257	20	risk	risk	NOUN
easat-5815	257	21	management	management	NOUN
easat-5815	257	22	ha1	ha1	NOUN
easat-5815	257	23	=	=	NOUN
easat-5815	257	24	β	β	NOUN
easat-5815	257	25	≠0	≠0	NOUN
easat-5815	257	26	:	:	PUNCT
easat-5815	257	27	the	the	DET
easat-5815	257	28	analysis	analysis	NOUN
easat-5815	257	29	reveals	reveal	VERB
easat-5815	257	30	a	a	DET
easat-5815	257	31	significant	significant	ADJ
easat-5815	257	32	impact	impact	NOUN
easat-5815	257	33	of	of	ADP
easat-5815	257	34	financing	finance	VERB
easat-5815	257	35	structure	structure	NOUN
easat-5815	257	36	on	on	ADP
easat-5815	257	37	funding	funding	NOUN
easat-5815	257	38	on	on	ADP
easat-5815	257	39	risk	risk	NOUN
easat-5815	257	40	management	management	NOUN
easat-5815	257	41	.	.	PUNCT
easat-5815	258	1	statistical	statistical	ADJ
easat-5815	258	2	analysis	analysis	NOUN
easat-5815	258	3	shows	show	VERB
easat-5815	258	4	that	that	SCONJ
easat-5815	258	5	financing	finance	VERB
easat-5815	258	6	structure	structure	NOUN
easat-5815	258	7	on	on	ADP
easat-5815	258	8	funding	funding	NOUN
easat-5815	258	9	has	have	VERB
easat-5815	258	10	a	a	DET
easat-5815	258	11	statistically	statistically	ADV
easat-5815	258	12	significant	significant	ADJ
easat-5815	258	13	effect	effect	NOUN
easat-5815	258	14	on	on	ADP
easat-5815	258	15	risk	risk	NOUN
easat-5815	258	16	management	management	NOUN
easat-5815	258	17	.	.	PUNCT
easat-5815	259	1	(	(	PUNCT
easat-5815	259	2	p	p	NOUN
easat-5815	259	3	-	-	PUNCT
easat-5815	259	4	value	value	NOUN
easat-5815	259	5	=	=	NOUN
easat-5815	259	6	0.000	0.000	NUM
easat-5815	259	7	;	;	PUNCT
easat-5815	259	8	t	t	PROPN
easat-5815	259	9	calculated	calculate	VERB
easat-5815	259	10	>	>	X
easat-5815	259	11	1.98	1.98	NUM
easat-5815	259	12	)	)	PUNCT
easat-5815	259	13	,	,	PUNCT
easat-5815	259	14	so	so	ADV
easat-5815	259	15	ha1	ha1	PROPN
easat-5815	259	16	is	be	AUX
easat-5815	259	17	accepted	accept	VERB
easat-5815	259	18	.	.	PUNCT
easat-5815	260	1	therefore	therefore	ADV
easat-5815	260	2	,	,	PUNCT
easat-5815	260	3	the	the	DET
easat-5815	260	4	hypothesis	hypothesis	NOUN
easat-5815	260	5	positing	posit	VERB
easat-5815	260	6	a	a	DET
easat-5815	260	7	significant	significant	ADJ
easat-5815	260	8	relationship	relationship	NOUN
easat-5815	260	9	between	between	ADP
easat-5815	260	10	financing	financing	NOUN
easat-5815	260	11	structure	structure	NOUN
easat-5815	260	12	and	and	CCONJ
easat-5815	260	13	risk	risk	NOUN
easat-5815	260	14	management	management	NOUN
easat-5815	260	15	is	be	AUX
easat-5815	260	16	supported	support	VERB
easat-5815	260	17	.	.	PUNCT
easat-5815	261	1	5.1.1.2	5.1.1.2	X
easat-5815	261	2	.	.	NOUN
easat-5815	261	3	risk	risk	NOUN
easat-5815	261	4	management	management	NOUN
easat-5815	261	5	testing	testing	NOUN
easat-5815	261	6	(	(	PUNCT
easat-5815	261	7	z	z	NOUN
easat-5815	261	8	)	)	PUNCT
easat-5815	261	9	is	be	AUX
easat-5815	261	10	affected	affect	VERB
easat-5815	261	11	by	by	ADP
easat-5815	261	12	operating	operate	VERB
easat-5815	261	13	costs	cost	NOUN
easat-5815	261	14	on	on	ADP
easat-5815	261	15	operating	operate	VERB
easat-5815	261	16	income	income	NOUN
easat-5815	261	17	(	(	PUNCT
easat-5815	261	18	x2	x2	PROPN
easat-5815	261	19	)	)	PUNCT
easat-5815	261	20	the	the	DET
easat-5815	261	21	results	result	NOUN
easat-5815	261	22	of	of	ADP
easat-5815	261	23	statistical	statistical	ADJ
easat-5815	261	24	analysis	analysis	NOUN
easat-5815	261	25	using	use	VERB
easat-5815	261	26	spss	spss	PROPN
easat-5815	261	27	show	show	VERB
easat-5815	261	28	a	a	DET
easat-5815	261	29	significant	significant	ADJ
easat-5815	261	30	relationship	relationship	NOUN
easat-5815	261	31	between	between	ADP
easat-5815	261	32	x2	x2	PROPN
easat-5815	261	33	and	and	CCONJ
easat-5815	261	34	z.	z.	PROPN
easat-5815	261	35	table	table	NOUN
easat-5815	261	36	4	4	NUM
easat-5815	261	37	.	.	PUNCT
easat-5815	262	1	the	the	DET
easat-5815	262	2	results	result	NOUN
easat-5815	262	3	of	of	ADP
easat-5815	262	4	the	the	DET
easat-5815	262	5	risk	risk	NOUN
easat-5815	262	6	management	management	NOUN
easat-5815	262	7	analysis	analysis	NOUN
easat-5815	262	8	(	(	PUNCT
easat-5815	262	9	z	z	NOUN
easat-5815	262	10	)	)	PUNCT
easat-5815	262	11	are	be	AUX
easat-5815	262	12	influenced	influence	VERB
easat-5815	262	13	by	by	ADP
easat-5815	262	14	operating	operate	VERB
easat-5815	262	15	costs	cost	NOUN
easat-5815	262	16	on	on	ADP
easat-5815	262	17	operating	operate	VERB
easat-5815	262	18	income	income	NOUN
easat-5815	262	19	(	(	PUNCT
easat-5815	262	20	x2	x2	PROPN
easat-5815	262	21	)	)	PUNCT
easat-5815	262	22	.	.	PUNCT
easat-5815	263	1	β	β	X
easat-5815	263	2	calculation	calculation	NOUN
easat-5815	263	3	p	p	NOUN
easat-5815	263	4	-	-	PUNCT
easat-5815	263	5	value	value	NOUN
easat-5815	263	6	label	label	NOUN
easat-5815	263	7	operating	operating	NOUN
easat-5815	263	8	costs	cost	NOUN
easat-5815	263	9	on	on	ADP
easat-5815	263	10	operating	operate	VERB
easat-5815	263	11	income	income	NOUN
easat-5815	263	12	risk	risk	NOUN
easat-5815	263	13	management	management	NOUN
easat-5815	263	14	-0.018	-0.018	PUNCT
easat-5815	263	15	-1.619	-1.619	NOUN
easat-5815	263	16	0.108	0.108	NUM
easat-5815	263	17	insignificant	insignificant	ADJ
easat-5815	263	18	as	as	SCONJ
easat-5815	263	19	shown	show	VERB
easat-5815	263	20	in	in	ADP
easat-5815	263	21	the	the	DET
easat-5815	263	22	table	table	NOUN
easat-5815	263	23	,	,	PUNCT
easat-5815	263	24	operating	operating	NOUN
easat-5815	263	25	costs	cost	NOUN
easat-5815	263	26	to	to	ADP
easat-5815	263	27	operating	operate	VERB
easat-5815	263	28	income	income	NOUN
easat-5815	263	29	(	(	PUNCT
easat-5815	263	30	x2	x2	PROPN
easat-5815	263	31	)	)	PUNCT
easat-5815	263	32	exhibits	exhibit	VERB
easat-5815	263	33	a	a	DET
easat-5815	263	34	negative	negative	ADJ
easat-5815	263	35	relationship	relationship	NOUN
easat-5815	263	36	with	with	ADP
easat-5815	263	37	risk	risk	NOUN
easat-5815	263	38	management	management	NOUN
easat-5815	263	39	(	(	PUNCT
easat-5815	263	40	y	y	NOUN
easat-5815	263	41	)	)	PUNCT
easat-5815	263	42	.	.	PUNCT
easat-5815	264	1	a	a	DET
easat-5815	264	2	significant	significant	ADJ
easat-5815	264	3	inverse	inverse	NOUN
easat-5815	264	4	relationship	relationship	NOUN
easat-5815	264	5	is	be	AUX
easat-5815	264	6	evident	evident	ADJ
easat-5815	264	7	,	,	PUNCT
easat-5815	264	8	as	as	SCONJ
easat-5815	264	9	indicated	indicate	VERB
easat-5815	264	10	by	by	ADP
easat-5815	264	11	the	the	DET
easat-5815	264	12	negative	negative	ADJ
easat-5815	264	13	regression	regression	NOUN
easat-5815	264	14	coefficient	coefficient	NOUN
easat-5815	264	15	of	of	ADP
easat-5815	264	16	-0.018	-0.018	PROPN
easat-5815	264	17	.	.	PUNCT
easat-5815	265	1	although	although	SCONJ
easat-5815	265	2	the	the	DET
easat-5815	265	3	t	t	NOUN
easat-5815	265	4	-	-	PUNCT
easat-5815	265	5	value	value	NOUN
easat-5815	265	6	of	of	ADP
easat-5815	265	7	-1.619	-1.619	PROPN
easat-5815	265	8	suggests	suggest	VERB
easat-5815	265	9	a	a	DET
easat-5815	265	10	negative	negative	ADJ
easat-5815	265	11	relationship	relationship	NOUN
easat-5815	265	12	,	,	PUNCT
easat-5815	265	13	the	the	DET
easat-5815	265	14	pvalue	pvalue	NOUN
easat-5815	265	15	exceeds	exceed	VERB
easat-5815	265	16	0.05	0.05	NUM
easat-5815	265	17	,	,	PUNCT
easat-5815	265	18	indicating	indicate	VERB
easat-5815	265	19	no	no	DET
easat-5815	265	20	significant	significant	ADJ
easat-5815	265	21	influence	influence	NOUN
easat-5815	265	22	between	between	ADP
easat-5815	265	23	x2	x2	PROPN
easat-5815	265	24	and	and	CCONJ
easat-5815	265	25	z.	z.	PROPN
easat-5815	265	26	with	with	ADP
easat-5815	265	27	a	a	DET
easat-5815	265	28	p	p	NOUN
easat-5815	265	29	-	-	PUNCT
easat-5815	265	30	value	value	NOUN
easat-5815	265	31	greater	great	ADJ
easat-5815	265	32	than	than	ADP
easat-5815	265	33	0.05	0.05	NUM
easat-5815	265	34	,	,	PUNCT
easat-5815	265	35	the	the	DET
easat-5815	265	36	t	t	NOUN
easat-5815	265	37	-	-	PUNCT
easat-5815	265	38	test	test	NOUN
easat-5815	265	39	results	result	NOUN
easat-5815	265	40	do	do	AUX
easat-5815	265	41	not	not	PART
easat-5815	265	42	provide	provide	VERB
easat-5815	265	43	sufficient	sufficient	ADJ
easat-5815	265	44	evidence	evidence	NOUN
easat-5815	265	45	to	to	PART
easat-5815	265	46	reject	reject	VERB
easat-5815	265	47	the	the	DET
easat-5815	265	48	null	null	ADJ
easat-5815	265	49	hypothesis	hypothesis	NOUN
easat-5815	265	50	(	(	PUNCT
easat-5815	265	51	h0	h0	PROPN
easat-5815	265	52	)	)	PUNCT
easat-5815	265	53	.	.	PUNCT
easat-5815	266	1	2425	2425	NUM
easat-5815	266	2	edelweiss	edelweiss	PROPN
easat-5815	266	3	applied	apply	VERB
easat-5815	266	4	science	science	NOUN
easat-5815	266	5	and	and	CCONJ
easat-5815	266	6	technology	technology	NOUN
easat-5815	266	7	issn	issn	PROPN
easat-5815	266	8	:	:	PUNCT
easat-5815	266	9	2576	2576	NUM
easat-5815	266	10	-	-	SYM
easat-5815	266	11	8484	8484	NUM
easat-5815	266	12	vol	vol	NOUN
easat-5815	266	13	.	.	PROPN
easat-5815	267	1	9	9	NUM
easat-5815	267	2	,	,	PUNCT
easat-5815	267	3	no	no	INTJ
easat-5815	267	4	.	.	NOUN
easat-5815	268	1	3	3	NUM
easat-5815	268	2	:	:	SYM
easat-5815	268	3	2413	2413	NUM
easat-5815	268	4	-	-	SYM
easat-5815	268	5	2434	2434	NUM
easat-5815	268	6	,	,	PUNCT
easat-5815	268	7	2025	2025	NUM
easat-5815	268	8	doi	doi	NOUN
easat-5815	268	9	:	:	PUNCT
easat-5815	268	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	268	11	©	©	PROPN
easat-5815	268	12	2025	2025	NUM
easat-5815	268	13	by	by	ADP
easat-5815	268	14	the	the	DET
easat-5815	268	15	author	author	NOUN
easat-5815	268	16	;	;	PUNCT
easat-5815	268	17	licensee	licensee	PROPN
easat-5815	268	18	learning	learn	VERB
easat-5815	268	19	gate	gate	PROPN
easat-5815	268	20	hypothesis	hypothesis	NOUN
easat-5815	268	21	2	2	NUM
easat-5815	268	22	h02	h02	NOUN
easat-5815	268	23	=	=	SYM
easat-5815	268	24	β=0	β=0	NOUN
easat-5815	268	25	:	:	PUNCT
easat-5815	268	26	the	the	DET
easat-5815	268	27	analysis	analysis	NOUN
easat-5815	268	28	reveals	reveal	VERB
easat-5815	268	29	that	that	SCONJ
easat-5815	268	30	operating	operating	NOUN
easat-5815	268	31	costs	cost	NOUN
easat-5815	268	32	have	have	VERB
easat-5815	268	33	no	no	DET
easat-5815	268	34	significant	significant	ADJ
easat-5815	268	35	impact	impact	NOUN
easat-5815	268	36	on	on	ADP
easat-5815	268	37	operating	operate	VERB
easat-5815	268	38	income	income	NOUN
easat-5815	268	39	in	in	ADP
easat-5815	268	40	terms	term	NOUN
easat-5815	268	41	of	of	ADP
easat-5815	268	42	risk	risk	NOUN
easat-5815	268	43	management	management	NOUN
easat-5815	268	44	ha2	ha2	PROPN
easat-5815	268	45	=	=	NOUN
easat-5815	268	46	β≠0	β≠0	X
easat-5815	268	47	:	:	PUNCT
easat-5815	268	48	the	the	DET
easat-5815	268	49	analysis	analysis	NOUN
easat-5815	268	50	reveals	reveal	VERB
easat-5815	268	51	a	a	DET
easat-5815	268	52	statistically	statistically	ADV
easat-5815	268	53	significant	significant	ADJ
easat-5815	268	54	impact	impact	NOUN
easat-5815	268	55	of	of	ADP
easat-5815	268	56	operating	operating	NOUN
easat-5815	268	57	costs	cost	NOUN
easat-5815	268	58	on	on	ADP
easat-5815	268	59	operating	operate	VERB
easat-5815	268	60	income	income	NOUN
easat-5815	268	61	in	in	ADP
easat-5815	268	62	terms	term	NOUN
easat-5815	268	63	of	of	ADP
easat-5815	268	64	risk	risk	NOUN
easat-5815	268	65	management	management	NOUN
easat-5815	268	66	.	.	PUNCT
easat-5815	269	1	statistical	statistical	ADJ
easat-5815	269	2	analysis	analysis	NOUN
easat-5815	269	3	shows	show	NOUN
easat-5815	269	4	since	since	SCONJ
easat-5815	269	5	the	the	DET
easat-5815	269	6	p	p	NOUN
easat-5815	269	7	-	-	PUNCT
easat-5815	269	8	value	value	NOUN
easat-5815	269	9	(	(	PUNCT
easat-5815	269	10	0.108	0.108	NUM
easat-5815	269	11	)	)	PUNCT
easat-5815	269	12	exceeds	exceed	VERB
easat-5815	269	13	the	the	DET
easat-5815	269	14	significance	significance	NOUN
easat-5815	269	15	level	level	NOUN
easat-5815	269	16	α	α	NOUN
easat-5815	269	17	(	(	PUNCT
easat-5815	269	18	0.05	0.05	NUM
easat-5815	269	19	)	)	PUNCT
easat-5815	269	20	,	,	PUNCT
easat-5815	269	21	the	the	DET
easat-5815	269	22	null	null	ADJ
easat-5815	269	23	hypothesis	hypothesis	NOUN
easat-5815	269	24	(	(	PUNCT
easat-5815	269	25	h0	h0	PROPN
easat-5815	269	26	)	)	PUNCT
easat-5815	269	27	is	be	AUX
easat-5815	269	28	accepted	accept	VERB
easat-5815	269	29	,	,	PUNCT
easat-5815	269	30	and	and	CCONJ
easat-5815	269	31	the	the	DET
easat-5815	269	32	alternative	alternative	ADJ
easat-5815	269	33	hypothesis	hypothesis	NOUN
easat-5815	269	34	(	(	PUNCT
easat-5815	269	35	ha2	ha2	PROPN
easat-5815	269	36	)	)	PUNCT
easat-5815	269	37	is	be	AUX
easat-5815	269	38	rejected	reject	VERB
easat-5815	269	39	.	.	PUNCT
easat-5815	270	1	the	the	DET
easat-5815	270	2	test	test	NOUN
easat-5815	270	3	results	result	NOUN
easat-5815	270	4	did	do	AUX
easat-5815	270	5	not	not	PART
easat-5815	270	6	find	find	VERB
easat-5815	270	7	significant	significant	ADJ
easat-5815	270	8	statistical	statistical	ADJ
easat-5815	270	9	evidence	evidence	NOUN
easat-5815	270	10	to	to	PART
easat-5815	270	11	support	support	VERB
easat-5815	270	12	the	the	DET
easat-5815	270	13	effect	effect	NOUN
easat-5815	270	14	between	between	ADP
easat-5815	270	15	variables	variable	NOUN
easat-5815	270	16	,	,	PUNCT
easat-5815	270	17	and	and	CCONJ
easat-5815	270	18	insignificant	insignificant	ADJ
easat-5815	270	19	between	between	ADP
easat-5815	270	20	operating	operate	VERB
easat-5815	270	21	costs	cost	NOUN
easat-5815	270	22	on	on	ADP
easat-5815	270	23	operating	operate	VERB
easat-5815	270	24	income	income	NOUN
easat-5815	270	25	on	on	ADP
easat-5815	270	26	risk	risk	NOUN
easat-5815	270	27	management	management	NOUN
easat-5815	270	28	.	.	PUNCT
easat-5815	271	1	thus	thus	ADV
easat-5815	271	2	,	,	PUNCT
easat-5815	271	3	the	the	DET
easat-5815	271	4	hypothesis	hypothesis	NOUN
easat-5815	271	5	that	that	SCONJ
easat-5815	271	6	there	there	PRON
easat-5815	271	7	is	be	VERB
easat-5815	271	8	a	a	DET
easat-5815	271	9	significant	significant	ADJ
easat-5815	271	10	influence	influence	NOUN
easat-5815	271	11	between	between	ADP
easat-5815	271	12	operating	operate	VERB
easat-5815	271	13	costs	cost	NOUN
easat-5815	271	14	on	on	ADP
easat-5815	271	15	operating	operate	VERB
easat-5815	271	16	income	income	NOUN
easat-5815	271	17	on	on	ADP
easat-5815	271	18	risk	risk	NOUN
easat-5815	271	19	management	management	NOUN
easat-5815	271	20	is	be	AUX
easat-5815	271	21	unacceptable	unacceptable	ADJ
easat-5815	271	22	.	.	PUNCT
easat-5815	272	1	5.1.2	5.1.2	X
easat-5815	272	2	.	.	PUNCT
easat-5815	272	3	examining	examine	VERB
easat-5815	272	4	the	the	DET
easat-5815	272	5	hypothesis	hypothesis	NOUN
easat-5815	272	6	:	:	PUNCT
easat-5815	272	7	the	the	DET
easat-5815	272	8	impact	impact	NOUN
easat-5815	272	9	of	of	ADP
easat-5815	272	10	financing	finance	VERB
easat-5815	272	11	structure	structure	NOUN
easat-5815	272	12	on	on	ADP
easat-5815	272	13	funding	funding	NOUN
easat-5815	272	14	,	,	PUNCT
easat-5815	272	15	operating	operating	NOUN
easat-5815	272	16	costs	cost	NOUN
easat-5815	272	17	on	on	ADP
easat-5815	272	18	operating	operate	VERB
easat-5815	272	19	revenue	revenue	NOUN
easat-5815	272	20	and	and	CCONJ
easat-5815	272	21	risk	risk	NOUN
easat-5815	272	22	management	management	NOUN
easat-5815	272	23	on	on	ADP
easat-5815	272	24	financial	financial	ADJ
easat-5815	272	25	performance	performance	NOUN
easat-5815	272	26	(	(	PUNCT
easat-5815	272	27	sub	sub	NOUN
easat-5815	272	28	structure	structure	NOUN
easat-5815	272	29	2	2	NUM
easat-5815	272	30	)	)	PUNCT
easat-5815	272	31	this	this	DET
easat-5815	272	32	study	study	NOUN
easat-5815	272	33	tests	test	VERB
easat-5815	272	34	the	the	DET
easat-5815	272	35	hypothesis	hypothesis	NOUN
easat-5815	272	36	regarding	regard	VERB
easat-5815	272	37	the	the	DET
easat-5815	272	38	significant	significant	ADJ
easat-5815	272	39	influence	influence	NOUN
easat-5815	272	40	between	between	ADP
easat-5815	272	41	financing	finance	VERB
easat-5815	272	42	structure	structure	NOUN
easat-5815	272	43	on	on	ADP
easat-5815	272	44	funding	funding	NOUN
easat-5815	272	45	(	(	PUNCT
easat-5815	272	46	x1	x1	PROPN
easat-5815	272	47	)	)	PUNCT
easat-5815	272	48	,	,	PUNCT
easat-5815	272	49	operating	operate	VERB
easat-5815	272	50	costs	cost	NOUN
easat-5815	272	51	on	on	ADP
easat-5815	272	52	operating	operate	VERB
easat-5815	272	53	income	income	NOUN
easat-5815	272	54	(	(	PUNCT
easat-5815	272	55	x2	x2	PROPN
easat-5815	272	56	)	)	PUNCT
easat-5815	272	57	,	,	PUNCT
easat-5815	272	58	and	and	CCONJ
easat-5815	272	59	the	the	DET
easat-5815	272	60	impact	impact	NOUN
easat-5815	272	61	of	of	ADP
easat-5815	272	62	risk	risk	NOUN
easat-5815	272	63	management	management	NOUN
easat-5815	272	64	(	(	PUNCT
easat-5815	272	65	z	z	NOUN
easat-5815	272	66	)	)	PUNCT
easat-5815	272	67	on	on	ADP
easat-5815	272	68	financial	financial	ADJ
easat-5815	272	69	performance	performance	NOUN
easat-5815	272	70	(	(	PUNCT
easat-5815	272	71	y	y	NOUN
easat-5815	272	72	):	):	PUNCT
easat-5815	272	73	a	a	DET
easat-5815	272	74	regression	regression	NOUN
easat-5815	272	75	analysis	analysis	NOUN
easat-5815	272	76	,	,	PUNCT
easat-5815	272	77	namely	namely	ADV
easat-5815	272	78	x1	x1	ADJ
easat-5815	272	79	,	,	PUNCT
easat-5815	272	80	x2	x2	PROPN
easat-5815	272	81	,	,	PUNCT
easat-5815	272	82	and	and	CCONJ
easat-5815	272	83	z	z	NOUN
easat-5815	272	84	,	,	PUNCT
easat-5815	272	85	to	to	ADP
easat-5815	272	86	the	the	DET
easat-5815	272	87	dependent	dependent	ADJ
easat-5815	272	88	variable	variable	NOUN
easat-5815	272	89	of	of	ADP
easat-5815	272	90	financial	financial	ADJ
easat-5815	272	91	performance	performance	NOUN
easat-5815	272	92	(	(	PUNCT
easat-5815	272	93	y	y	NOUN
easat-5815	272	94	)	)	PUNCT
easat-5815	272	95	,	,	PUNCT
easat-5815	272	96	as	as	SCONJ
easat-5815	272	97	follow	follow	VERB
easat-5815	272	98	:	:	PUNCT
easat-5815	272	99	table	table	NOUN
easat-5815	272	100	5	5	NUM
easat-5815	272	101	.	.	PUNCT
easat-5815	272	102	impact	impact	NOUN
easat-5815	272	103	of	of	ADP
easat-5815	272	104	financing	finance	VERB
easat-5815	272	105	structure	structure	NOUN
easat-5815	272	106	on	on	ADP
easat-5815	272	107	funding	funding	NOUN
easat-5815	272	108	,	,	PUNCT
easat-5815	272	109	operating	operating	NOUN
easat-5815	272	110	costs	cost	NOUN
easat-5815	272	111	on	on	ADP
easat-5815	272	112	operating	operate	VERB
easat-5815	272	113	income	income	NOUN
easat-5815	272	114	,	,	PUNCT
easat-5815	272	115	and	and	CCONJ
easat-5815	272	116	risk	risk	NOUN
easat-5815	272	117	management	management	NOUN
easat-5815	272	118	on	on	ADP
easat-5815	272	119	financial	financial	ADJ
easat-5815	272	120	performance	performance	NOUN
easat-5815	272	121	.	.	PUNCT
easat-5815	273	1	coefficients	coefficient	NOUN
easat-5815	273	2	type	type	VERB
easat-5815	273	3	unstandardized	unstandardized	ADJ
easat-5815	273	4	coefficients	coefficient	NOUN
easat-5815	273	5	standardized	standardize	VERB
easat-5815	273	6	coefficients	coefficient	NOUN
easat-5815	273	7	t	t	PROPN
easat-5815	273	8	sig	sig	PROPN
easat-5815	273	9	.	.	PUNCT
easat-5815	274	1	correlations	correlation	NOUN
easat-5815	274	2	b	b	NOUN
easat-5815	274	3	std	std	X
easat-5815	274	4	.	.	NOUN
easat-5815	274	5	error	error	NOUN
easat-5815	274	6	beta	beta	NOUN
easat-5815	274	7	zeroorder	zeroorder	NOUN
easat-5815	274	8	partial	partial	ADJ
easat-5815	274	9	part	part	NOUN
easat-5815	274	10	1	1	NUM
easat-5815	274	11	(	(	PUNCT
easat-5815	274	12	constant	constant	ADJ
easat-5815	274	13	)	)	PUNCT
easat-5815	274	14	5.644	5.644	NUM
easat-5815	274	15	0.390	0.390	NUM
easat-5815	274	16	14.487	14.487	NUM
easat-5815	274	17	0.000	0.000	NUM
easat-5815	274	18	fdr	fdr	PROPN
easat-5815	274	19	0.015	0.015	NUM
easat-5815	274	20	0.003	0.003	NUM
easat-5815	274	21	0.240	0.240	NUM
easat-5815	274	22	4.608	4.608	NUM
easat-5815	274	23	0.000	0.000	NUM
easat-5815	274	24	0.185	0.185	NUM
easat-5815	274	25	0.393	0.393	NUM
easat-5815	274	26	0.214	0.214	PRON
easat-5815	274	27	ocoi	ocoi	ADJ
easat-5815	274	28	-0.070	-0.070	PUNCT
easat-5815	274	29	0.004	0.004	NUM
easat-5815	274	30	-0.777	-0.777	NUM
easat-5815	274	31	-16.131	-16.131	NOUN
easat-5815	274	32	0.000	0.000	NUM
easat-5815	274	33	-0.738	-0.738	NOUN
easat-5815	274	34	-0.832	-0.832	X
easat-5815	274	35	-0.749	-0.749	X
easat-5815	274	36	npf	npf	NOUN
easat-5815	274	37	0.216	0.216	NUM
easat-5815	274	38	0.036	0.036	NUM
easat-5815	274	39	0.304	0.304	NUM
easat-5815	274	40	5.968	5.968	NUM
easat-5815	274	41	0.000	0.000	NUM
easat-5815	274	42	0.434	0.434	NUM
easat-5815	274	43	0.485	0.485	NUM
easat-5815	274	44	0.277	0.277	NUM
easat-5815	274	45	r2	r2	NOUN
easat-5815	274	46	0.750	0.750	NUM
easat-5815	274	47	note	note	NOUN
easat-5815	274	48	:	:	PUNCT
easat-5815	274	49	a.	a.	NOUN
easat-5815	274	50	dependent	dependent	ADJ
easat-5815	274	51	variable	variable	NOUN
easat-5815	274	52	:	:	PUNCT
easat-5815	274	53	roa	roa	NOUN
easat-5815	274	54	as	as	SCONJ
easat-5815	274	55	shown	show	VERB
easat-5815	274	56	in	in	ADP
easat-5815	274	57	the	the	DET
easat-5815	274	58	table	table	NOUN
easat-5815	274	59	,	,	PUNCT
easat-5815	274	60	the	the	DET
easat-5815	274	61	overall	overall	ADJ
easat-5815	274	62	impact	impact	NOUN
easat-5815	274	63	of	of	ADP
easat-5815	274	64	financing	finance	VERB
easat-5815	274	65	structure	structure	NOUN
easat-5815	274	66	on	on	ADP
easat-5815	274	67	funding	funding	NOUN
easat-5815	274	68	(	(	PUNCT
easat-5815	274	69	x1	x1	PROPN
easat-5815	274	70	)	)	PUNCT
easat-5815	274	71	is	be	AUX
easat-5815	274	72	operating	operate	VERB
easat-5815	274	73	costs	cost	NOUN
easat-5815	274	74	on	on	ADP
easat-5815	274	75	operating	operate	VERB
easat-5815	274	76	income	income	NOUN
easat-5815	274	77	(	(	PUNCT
easat-5815	274	78	x2	x2	PROPN
easat-5815	274	79	)	)	PUNCT
easat-5815	274	80	,	,	PUNCT
easat-5815	274	81	and	and	CCONJ
easat-5815	274	82	risk	risk	NOUN
easat-5815	274	83	management	management	NOUN
easat-5815	274	84	(	(	PUNCT
easat-5815	274	85	z	z	NOUN
easat-5815	274	86	)	)	PUNCT
easat-5815	274	87	on	on	ADP
easat-5815	274	88	financial	financial	ADJ
easat-5815	274	89	performance	performance	NOUN
easat-5815	274	90	(	(	PUNCT
easat-5815	274	91	y	y	NOUN
easat-5815	274	92	)	)	PUNCT
easat-5815	274	93	reached	reach	VERB
easat-5815	274	94	0.750	0.750	NUM
easat-5815	274	95	or	or	CCONJ
easat-5815	274	96	75.0	75.0	NUM
easat-5815	274	97	%	%	NOUN
easat-5815	274	98	.	.	PUNCT
easat-5815	275	1	meanwhile	meanwhile	ADV
easat-5815	275	2	,	,	PUNCT
easat-5815	275	3	the	the	DET
easat-5815	275	4	remaining	remain	VERB
easat-5815	275	5	25.0	25.0	NUM
easat-5815	275	6	%	%	NOUN
easat-5815	275	7	comes	come	VERB
easat-5815	275	8	from	from	ADP
easat-5815	275	9	other	other	ADJ
easat-5815	275	10	factors	factor	NOUN
easat-5815	275	11	outside	outside	ADP
easat-5815	275	12	the	the	DET
easat-5815	275	13	three	three	NUM
easat-5815	275	14	variables	variable	NOUN
easat-5815	275	15	.	.	PUNCT
easat-5815	276	1	the	the	DET
easat-5815	276	2	regression	regression	NOUN
easat-5815	276	3	coefficient	coefficient	NOUN
easat-5815	276	4	for	for	ADP
easat-5815	276	5	the	the	DET
easat-5815	276	6	financing	financing	NOUN
easat-5815	276	7	structure	structure	NOUN
easat-5815	276	8	to	to	ADP
easat-5815	276	9	funding	funding	NOUN
easat-5815	276	10	(	(	PUNCT
easat-5815	276	11	x1	x1	PROPN
easat-5815	276	12	)	)	PUNCT
easat-5815	276	13	is	be	AUX
easat-5815	276	14	0.015	0.015	NUM
easat-5815	276	15	with	with	ADP
easat-5815	276	16	a	a	DET
easat-5815	276	17	positive	positive	ADJ
easat-5815	276	18	correlation	correlation	NOUN
easat-5815	276	19	direction	direction	NOUN
easat-5815	276	20	,	,	PUNCT
easat-5815	276	21	which	which	PRON
easat-5815	276	22	indicates	indicate	VERB
easat-5815	276	23	that	that	SCONJ
easat-5815	276	24	an	an	DET
easat-5815	276	25	improvement	improvement	NOUN
easat-5815	276	26	in	in	ADP
easat-5815	276	27	the	the	DET
easat-5815	276	28	financing	financing	NOUN
easat-5815	276	29	structure	structure	NOUN
easat-5815	276	30	to	to	ADP
easat-5815	276	31	funding	funding	NOUN
easat-5815	276	32	will	will	AUX
easat-5815	276	33	improve	improve	VERB
easat-5815	276	34	financial	financial	ADJ
easat-5815	276	35	performance	performance	NOUN
easat-5815	276	36	.	.	PUNCT
easat-5815	277	1	the	the	DET
easat-5815	277	2	regression	regression	NOUN
easat-5815	277	3	coefficient	coefficient	NOUN
easat-5815	277	4	of	of	ADP
easat-5815	277	5	-0.070	-0.070	NUM
easat-5815	277	6	for	for	ADP
easat-5815	277	7	operating	operating	NOUN
easat-5815	277	8	costs	cost	NOUN
easat-5815	277	9	to	to	ADP
easat-5815	277	10	operating	operate	VERB
easat-5815	277	11	income	income	NOUN
easat-5815	277	12	(	(	PUNCT
easat-5815	277	13	x2	x2	NOUN
easat-5815	277	14	)	)	PUNCT
easat-5815	277	15	signifies	signify	VERB
easat-5815	277	16	a	a	DET
easat-5815	277	17	statistically	statistically	ADV
easat-5815	277	18	significant	significant	ADJ
easat-5815	277	19	negative	negative	ADJ
easat-5815	277	20	relationship	relationship	NOUN
easat-5815	277	21	,	,	PUNCT
easat-5815	277	22	this	this	PRON
easat-5815	277	23	implies	imply	VERB
easat-5815	277	24	that	that	SCONJ
easat-5815	277	25	an	an	DET
easat-5815	277	26	increase	increase	NOUN
easat-5815	277	27	in	in	ADP
easat-5815	277	28	operating	operating	NOUN
easat-5815	277	29	costs	cost	NOUN
easat-5815	277	30	relative	relative	ADJ
easat-5815	277	31	to	to	ADP
easat-5815	277	32	operating	operate	VERB
easat-5815	277	33	income	income	NOUN
easat-5815	277	34	will	will	AUX
easat-5815	277	35	lead	lead	VERB
easat-5815	277	36	to	to	ADP
easat-5815	277	37	a	a	DET
easat-5815	277	38	decline	decline	NOUN
easat-5815	277	39	in	in	ADP
easat-5815	277	40	financial	financial	ADJ
easat-5815	277	41	performance	performance	NOUN
easat-5815	277	42	.	.	PUNCT
easat-5815	278	1	meanwhile	meanwhile	ADV
easat-5815	278	2	,	,	PUNCT
easat-5815	278	3	the	the	DET
easat-5815	278	4	regression	regression	NOUN
easat-5815	278	5	coefficient	coefficient	NOUN
easat-5815	278	6	for	for	ADP
easat-5815	278	7	risk	risk	NOUN
easat-5815	278	8	management	management	NOUN
easat-5815	278	9	(	(	PUNCT
easat-5815	278	10	z	z	NOUN
easat-5815	278	11	)	)	PUNCT
easat-5815	278	12	is	be	AUX
easat-5815	278	13	0.215	0.215	NUM
easat-5815	278	14	with	with	ADP
easat-5815	278	15	a	a	DET
easat-5815	278	16	positive	positive	ADJ
easat-5815	278	17	relationship	relationship	NOUN
easat-5815	278	18	direction	direction	NOUN
easat-5815	278	19	,	,	PUNCT
easat-5815	278	20	the	the	DET
easat-5815	278	21	findings	finding	NOUN
easat-5815	278	22	indicate	indicate	VERB
easat-5815	278	23	that	that	SCONJ
easat-5815	278	24	improvements	improvement	NOUN
easat-5815	278	25	in	in	ADP
easat-5815	278	26	risk	risk	NOUN
easat-5815	278	27	management	management	NOUN
easat-5815	278	28	contribute	contribute	VERB
easat-5815	278	29	significantly	significantly	ADV
easat-5815	278	30	to	to	ADP
easat-5815	278	31	better	well	ADJ
easat-5815	278	32	financial	financial	ADJ
easat-5815	278	33	performance	performance	NOUN
easat-5815	278	34	.	.	PUNCT
easat-5815	279	1	the	the	DET
easat-5815	279	2	regression	regression	NOUN
easat-5815	279	3	equations	equation	NOUN
easat-5815	279	4	formed	form	VERB
easat-5815	279	5	from	from	ADP
easat-5815	279	6	the	the	DET
easat-5815	279	7	second	second	ADJ
easat-5815	279	8	substructure	substructure	NOUN
easat-5815	279	9	are	be	AUX
easat-5815	279	10	:	:	PUNCT
easat-5815	279	11	y	y	X
easat-5815	279	12	=	=	PUNCT
easat-5815	279	13	-0.646	-0.646	PUNCT
easat-5815	280	1	+	+	X
easat-5815	280	2	0.036x1	0.036x1	NUM
easat-5815	280	3	–	–	PUNCT
easat-5815	280	4	0.018x2	0.018x2	NUM
easat-5815	281	1	+	+	CCONJ
easat-5815	281	2	2	2	ADV
easat-5815	281	3	after	after	ADP
easat-5815	281	4	calculating	calculate	VERB
easat-5815	281	5	the	the	DET
easat-5815	281	6	regression	regression	NOUN
easat-5815	281	7	coefficient	coefficient	NOUN
easat-5815	281	8	,	,	PUNCT
easat-5815	281	9	the	the	DET
easat-5815	281	10	next	next	ADJ
easat-5815	281	11	step	step	NOUN
easat-5815	281	12	is	be	AUX
easat-5815	281	13	to	to	PART
easat-5815	281	14	conduct	conduct	VERB
easat-5815	281	15	a	a	DET
easat-5815	281	16	hypothesis	hypothesis	NOUN
easat-5815	281	17	test	test	NOUN
easat-5815	281	18	to	to	PART
easat-5815	281	19	prove	prove	VERB
easat-5815	281	20	whether	whether	SCONJ
easat-5815	281	21	the	the	DET
easat-5815	281	22	financing	financing	NOUN
easat-5815	281	23	structure	structure	NOUN
easat-5815	281	24	on	on	ADP
easat-5815	281	25	funding	funding	NOUN
easat-5815	281	26	(	(	PUNCT
easat-5815	281	27	x1	x1	PROPN
easat-5815	281	28	)	)	PUNCT
easat-5815	281	29	and	and	CCONJ
easat-5815	281	30	operating	operating	NOUN
easat-5815	281	31	costs	cost	NOUN
easat-5815	281	32	on	on	ADP
easat-5815	281	33	operating	operate	VERB
easat-5815	281	34	income	income	NOUN
easat-5815	281	35	(	(	PUNCT
easat-5815	281	36	x2	x2	NOUN
easat-5815	281	37	)	)	PUNCT
easat-5815	281	38	significantly	significantly	ADV
easat-5815	281	39	impact	impact	VERB
easat-5815	281	40	financial	financial	ADJ
easat-5815	281	41	performance	performance	NOUN
easat-5815	281	42	(	(	PUNCT
easat-5815	281	43	y	y	NOUN
easat-5815	281	44	)	)	PUNCT
easat-5815	281	45	.	.	PUNCT
easat-5815	282	1	2426	2426	NUM
easat-5815	282	2	edelweiss	edelweiss	PROPN
easat-5815	282	3	applied	apply	VERB
easat-5815	282	4	science	science	NOUN
easat-5815	282	5	and	and	CCONJ
easat-5815	282	6	technology	technology	NOUN
easat-5815	282	7	issn	issn	PROPN
easat-5815	282	8	:	:	PUNCT
easat-5815	282	9	2576	2576	NUM
easat-5815	282	10	-	-	SYM
easat-5815	282	11	8484	8484	NUM
easat-5815	282	12	vol	vol	NOUN
easat-5815	282	13	.	.	PROPN
easat-5815	283	1	9	9	NUM
easat-5815	283	2	,	,	PUNCT
easat-5815	283	3	no	no	INTJ
easat-5815	283	4	.	.	NOUN
easat-5815	284	1	3	3	NUM
easat-5815	284	2	:	:	SYM
easat-5815	284	3	2413	2413	NUM
easat-5815	284	4	-	-	SYM
easat-5815	284	5	2434	2434	NUM
easat-5815	284	6	,	,	PUNCT
easat-5815	284	7	2025	2025	NUM
easat-5815	284	8	doi	doi	NOUN
easat-5815	284	9	:	:	PUNCT
easat-5815	284	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	284	11	©	©	PROPN
easat-5815	284	12	2025	2025	NUM
easat-5815	284	13	by	by	ADP
easat-5815	284	14	the	the	DET
easat-5815	284	15	author	author	NOUN
easat-5815	284	16	;	;	PUNCT
easat-5815	284	17	licensee	licensee	PROPN
easat-5815	284	18	learning	learning	NOUN
easat-5815	284	19	gate	gate	NOUN
easat-5815	284	20	5.1.2.1	5.1.2.1	NUM
easat-5815	284	21	.	.	PUNCT
easat-5815	285	1	testing	test	VERB
easat-5815	285	2	the	the	DET
easat-5815	285	3	financial	financial	ADJ
easat-5815	285	4	performance	performance	NOUN
easat-5815	285	5	(	(	PUNCT
easat-5815	285	6	y	y	NOUN
easat-5815	285	7	)	)	PUNCT
easat-5815	285	8	influenced	influence	VERB
easat-5815	285	9	of	of	ADP
easat-5815	285	10	financing	finance	VERB
easat-5815	285	11	structure	structure	NOUN
easat-5815	285	12	on	on	ADP
easat-5815	285	13	funding	funding	NOUN
easat-5815	285	14	(	(	PUNCT
easat-5815	285	15	x1	x1	PROPN
easat-5815	285	16	)	)	PUNCT
easat-5815	285	17	the	the	DET
easat-5815	285	18	statistical	statistical	ADJ
easat-5815	285	19	analysis	analysis	NOUN
easat-5815	285	20	utilizing	utilize	VERB
easat-5815	285	21	spss	spss	PROPN
easat-5815	285	22	software	software	NOUN
easat-5815	285	23	yields	yield	VERB
easat-5815	285	24	the	the	DET
easat-5815	285	25	following	follow	VERB
easat-5815	285	26	findings	finding	NOUN
easat-5815	285	27	regarding	regard	VERB
easat-5815	285	28	financing	finance	VERB
easat-5815	285	29	structure	structure	NOUN
easat-5815	285	30	's	's	PART
easat-5815	285	31	(	(	PUNCT
easat-5815	285	32	x1	x1	ADJ
easat-5815	285	33	)	)	PUNCT
easat-5815	285	34	effect	effect	NOUN
easat-5815	285	35	on	on	ADP
easat-5815	285	36	financial	financial	ADJ
easat-5815	285	37	performance	performance	NOUN
easat-5815	285	38	(	(	PUNCT
easat-5815	285	39	y	y	NOUN
easat-5815	285	40	):	):	PUNCT
easat-5815	285	41	table	table	NOUN
easat-5815	285	42	6	6	NUM
easat-5815	285	43	.	.	PUNCT
easat-5815	286	1	the	the	DET
easat-5815	286	2	impact	impact	NOUN
easat-5815	286	3	of	of	ADP
easat-5815	286	4	financing	finance	VERB
easat-5815	286	5	structure	structure	NOUN
easat-5815	286	6	on	on	ADP
easat-5815	286	7	funding	funding	NOUN
easat-5815	286	8	(	(	PUNCT
easat-5815	286	9	x1	x1	PROPN
easat-5815	286	10	)	)	PUNCT
easat-5815	286	11	on	on	ADP
easat-5815	286	12	financial	financial	ADJ
easat-5815	286	13	performance	performance	NOUN
easat-5815	286	14	(	(	PUNCT
easat-5815	286	15	y	y	NOUN
easat-5815	286	16	)	)	PUNCT
easat-5815	286	17	.	.	PUNCT
easat-5815	287	1	β	β	X
easat-5815	287	2	calculation	calculation	NOUN
easat-5815	287	3	p	p	NOUN
easat-5815	287	4	-	-	PUNCT
easat-5815	287	5	value	value	NOUN
easat-5815	287	6	label	label	NOUN
easat-5815	287	7	financing	financing	NOUN
easat-5815	287	8	structure	structure	NOUN
easat-5815	287	9	for	for	ADP
easat-5815	287	10	funding	fund	VERB
easat-5815	287	11	financial	financial	ADJ
easat-5815	287	12	performance	performance	NOUN
easat-5815	287	13	0.015	0.015	NUM
easat-5815	287	14	4.608	4.608	NUM
easat-5815	287	15	0.000	0.000	NUM
easat-5815	287	16	significant	significant	ADJ
easat-5815	287	17	based	base	VERB
easat-5815	287	18	on	on	ADP
easat-5815	287	19	the	the	DET
easat-5815	287	20	table	table	NOUN
easat-5815	287	21	above	above	ADV
easat-5815	287	22	,	,	PUNCT
easat-5815	287	23	the	the	DET
easat-5815	287	24	direction	direction	NOUN
easat-5815	287	25	of	of	ADP
easat-5815	287	26	the	the	DET
easat-5815	287	27	relationship	relationship	NOUN
easat-5815	287	28	between	between	ADP
easat-5815	287	29	the	the	DET
easat-5815	287	30	financing	financing	NOUN
easat-5815	287	31	structure	structure	NOUN
easat-5815	287	32	on	on	ADP
easat-5815	287	33	funding	funding	NOUN
easat-5815	287	34	(	(	PUNCT
easat-5815	287	35	x1	x1	PROPN
easat-5815	287	36	)	)	PUNCT
easat-5815	287	37	and	and	CCONJ
easat-5815	287	38	financial	financial	ADJ
easat-5815	287	39	performance	performance	NOUN
easat-5815	287	40	(	(	PUNCT
easat-5815	287	41	y	y	NOUN
easat-5815	287	42	)	)	PUNCT
easat-5815	287	43	is	be	AUX
easat-5815	287	44	positive	positive	ADJ
easat-5815	287	45	,	,	PUNCT
easat-5815	287	46	with	with	ADP
easat-5815	287	47	a	a	DET
easat-5815	287	48	coefficient	coefficient	NOUN
easat-5815	287	49	value	value	NOUN
easat-5815	287	50	in	in	ADP
easat-5815	287	51	column	column	PROPN
easat-5815	287	52	b	b	PROPN
easat-5815	287	53	of	of	ADP
easat-5815	287	54	0.015	0.015	NUM
easat-5815	287	55	.	.	PUNCT
easat-5815	288	1	this	this	PRON
easat-5815	288	2	shows	show	VERB
easat-5815	288	3	that	that	SCONJ
easat-5815	288	4	an	an	DET
easat-5815	288	5	improvement	improvement	NOUN
easat-5815	288	6	in	in	ADP
easat-5815	288	7	the	the	DET
easat-5815	288	8	financing	financing	NOUN
easat-5815	288	9	structure	structure	NOUN
easat-5815	288	10	on	on	ADP
easat-5815	288	11	funding	funding	NOUN
easat-5815	288	12	(	(	PUNCT
easat-5815	288	13	x1	x1	PROPN
easat-5815	288	14	)	)	PUNCT
easat-5815	288	15	will	will	AUX
easat-5815	288	16	improve	improve	VERB
easat-5815	288	17	financial	financial	ADJ
easat-5815	288	18	performance	performance	NOUN
easat-5815	288	19	(	(	PUNCT
easat-5815	288	20	y	y	NOUN
easat-5815	288	21	)	)	PUNCT
easat-5815	288	22	.	.	PUNCT
easat-5815	289	1	hypothesis	hypothesis	NOUN
easat-5815	289	2	testing	testing	NOUN
easat-5815	289	3	utilized	utilize	VERB
easat-5815	289	4	a	a	DET
easat-5815	289	5	t	t	NOUN
easat-5815	289	6	-	-	PUNCT
easat-5815	289	7	test	test	NOUN
easat-5815	289	8	statistical	statistical	ADJ
easat-5815	289	9	analysis	analysis	NOUN
easat-5815	289	10	.	.	PUNCT
easat-5815	290	1	the	the	DET
easat-5815	290	2	calculated	calculate	VERB
easat-5815	290	3	t	t	NOUN
easat-5815	290	4	-	-	PUNCT
easat-5815	290	5	value	value	NOUN
easat-5815	290	6	of	of	ADP
easat-5815	290	7	4.608	4.608	NUM
easat-5815	290	8	exceeds	exceed	NOUN
easat-5815	290	9	the	the	DET
easat-5815	290	10	critical	critical	ADJ
easat-5815	290	11	t	t	NOUN
easat-5815	290	12	-	-	PUNCT
easat-5815	290	13	value	value	NOUN
easat-5815	290	14	of	of	ADP
easat-5815	290	15	1.98	1.98	NUM
easat-5815	290	16	from	from	ADP
easat-5815	290	17	the	the	DET
easat-5815	290	18	table	table	NOUN
easat-5815	290	19	,	,	PUNCT
easat-5815	290	20	with	with	ADP
easat-5815	290	21	116	116	NUM
easat-5815	290	22	degrees	degree	NOUN
easat-5815	290	23	of	of	ADP
easat-5815	290	24	freedom	freedom	NOUN
easat-5815	290	25	.	.	PUNCT
easat-5815	291	1	additionally	additionally	ADV
easat-5815	291	2	,	,	PUNCT
easat-5815	291	3	the	the	DET
easat-5815	291	4	test	test	NOUN
easat-5815	291	5	employed	employ	VERB
easat-5815	291	6	a	a	DET
easat-5815	291	7	significance	significance	NOUN
easat-5815	291	8	threshold	threshold	NOUN
easat-5815	291	9	of	of	ADP
easat-5815	291	10	α	α	NOUN
easat-5815	291	11	=	=	NOUN
easat-5815	291	12	0.05	0.05	NUM
easat-5815	291	13	,	,	PUNCT
easat-5815	291	14	comparing	compare	VERB
easat-5815	291	15	p	p	NOUN
easat-5815	291	16	-	-	PUNCT
easat-5815	291	17	values	value	NOUN
easat-5815	291	18	to	to	PART
easat-5815	291	19	determine	determine	VERB
easat-5815	291	20	statistical	statistical	ADJ
easat-5815	291	21	significance	significance	NOUN
easat-5815	291	22	:	:	PUNCT
easat-5815	291	23	h0	h0	NOUN
easat-5815	291	24	is	be	AUX
easat-5815	291	25	accepted	accept	VERB
easat-5815	291	26	if	if	SCONJ
easat-5815	291	27	the	the	DET
easat-5815	291	28	p	p	NOUN
easat-5815	291	29	-	-	PUNCT
easat-5815	291	30	value	value	NOUN
easat-5815	291	31	exceeds	exceed	VERB
easat-5815	291	32	0.05	0.05	NUM
easat-5815	291	33	,	,	PUNCT
easat-5815	291	34	and	and	CCONJ
easat-5815	291	35	rejected	reject	VERB
easat-5815	291	36	if	if	SCONJ
easat-5815	291	37	it	it	PRON
easat-5815	291	38	falls	fall	VERB
easat-5815	291	39	below	below	ADP
easat-5815	291	40	0.05	0.05	NUM
easat-5815	291	41	hypothesis	hypothesis	NOUN
easat-5815	291	42	3	3	NUM
easat-5815	291	43	:	:	PUNCT
easat-5815	291	44	h03	h03	NOUN
easat-5815	291	45	(	(	PUNCT
easat-5815	291	46	β	β	X
easat-5815	291	47	=	=	SYM
easat-5815	291	48	0	0	NUM
easat-5815	291	49	):	):	PUNCT
easat-5815	291	50	the	the	DET
easat-5815	291	51	financing	financing	NOUN
easat-5815	291	52	structure	structure	NOUN
easat-5815	291	53	has	have	VERB
easat-5815	291	54	no	no	DET
easat-5815	291	55	significant	significant	ADJ
easat-5815	291	56	effect	effect	NOUN
easat-5815	291	57	on	on	ADP
easat-5815	291	58	funding	funding	NOUN
easat-5815	291	59	on	on	ADP
easat-5815	291	60	financial	financial	ADJ
easat-5815	291	61	performance	performance	NOUN
easat-5815	291	62	.	.	PUNCT
easat-5815	292	1	ha3	ha3	NOUN
easat-5815	292	2	(	(	PUNCT
easat-5815	292	3	β	β	X
easat-5815	292	4	≠	≠	PROPN
easat-5815	292	5	0	0	NUM
easat-5815	292	6	):	):	PUNCT
easat-5815	292	7	the	the	DET
easat-5815	292	8	financing	financing	NOUN
easat-5815	292	9	structure	structure	NOUN
easat-5815	292	10	has	have	VERB
easat-5815	292	11	a	a	DET
easat-5815	292	12	significant	significant	ADJ
easat-5815	292	13	impact	impact	NOUN
easat-5815	292	14	on	on	ADP
easat-5815	292	15	funding	funding	NOUN
easat-5815	292	16	on	on	ADP
easat-5815	292	17	financial	financial	ADJ
easat-5815	292	18	performance	performance	NOUN
easat-5815	292	19	.	.	PUNCT
easat-5815	293	1	the	the	DET
easat-5815	293	2	p	p	NOUN
easat-5815	293	3	-	-	PUNCT
easat-5815	293	4	value	value	NOUN
easat-5815	293	5	of	of	ADP
easat-5815	293	6	0.000	0.000	NUM
easat-5815	293	7	suggests	suggest	VERB
easat-5815	293	8	that	that	SCONJ
easat-5815	293	9	the	the	DET
easat-5815	293	10	results	result	NOUN
easat-5815	293	11	are	be	AUX
easat-5815	293	12	statistically	statistically	ADV
easat-5815	293	13	significant	significant	ADJ
easat-5815	293	14	,	,	PUNCT
easat-5815	293	15	which	which	PRON
easat-5815	293	16	is	be	AUX
easat-5815	293	17	smaller	small	ADJ
easat-5815	293	18	than	than	ADP
easat-5815	293	19	α	α	NOUN
easat-5815	293	20	=	=	NOUN
easat-5815	293	21	0.05	0.05	NUM
easat-5815	293	22	,	,	PUNCT
easat-5815	293	23	the	the	DET
easat-5815	293	24	t	t	NOUN
easat-5815	293	25	-	-	PUNCT
easat-5815	293	26	statistic	statistic	NOUN
easat-5815	293	27	(	(	PUNCT
easat-5815	293	28	4.608	4.608	NUM
easat-5815	293	29	)	)	PUNCT
easat-5815	293	30	surpasses	surpass	VERB
easat-5815	293	31	the	the	DET
easat-5815	293	32	tabulated	tabulate	VERB
easat-5815	293	33	t	t	NOUN
easat-5815	293	34	-	-	PUNCT
easat-5815	293	35	value	value	NOUN
easat-5815	293	36	(	(	PUNCT
easat-5815	293	37	1.98	1.98	NUM
easat-5815	293	38	)	)	PUNCT
easat-5815	293	39	,	,	PUNCT
easat-5815	293	40	supporting	support	VERB
easat-5815	293	41	rejection	rejection	NOUN
easat-5815	293	42	of	of	ADP
easat-5815	293	43	the	the	DET
easat-5815	293	44	null	null	ADJ
easat-5815	293	45	hypothesis	hypothesis	NOUN
easat-5815	293	46	.	.	PUNCT
easat-5815	294	1	consequently	consequently	ADV
easat-5815	294	2	,	,	PUNCT
easat-5815	294	3	h03	h03	PROPN
easat-5815	294	4	was	be	AUX
easat-5815	294	5	rejected	reject	VERB
easat-5815	294	6	in	in	ADP
easat-5815	294	7	favor	favor	NOUN
easat-5815	294	8	of	of	ADP
easat-5815	294	9	ha3	ha3	NOUN
easat-5815	294	10	,	,	PUNCT
easat-5815	294	11	indicating	indicate	VERB
easat-5815	294	12	a	a	DET
easat-5815	294	13	statistically	statistically	ADV
easat-5815	294	14	significant	significant	ADJ
easat-5815	294	15	impact	impact	NOUN
easat-5815	294	16	of	of	ADP
easat-5815	294	17	financing	finance	VERB
easat-5815	294	18	structure	structure	NOUN
easat-5815	294	19	on	on	ADP
easat-5815	294	20	financial	financial	ADJ
easat-5815	294	21	performance	performance	NOUN
easat-5815	294	22	.	.	PUNCT
easat-5815	295	1	therefore	therefore	ADV
easat-5815	295	2	,	,	PUNCT
easat-5815	295	3	the	the	DET
easat-5815	295	4	hypothesis	hypothesis	NOUN
easat-5815	295	5	of	of	ADP
easat-5815	295	6	a	a	DET
easat-5815	295	7	statistically	statistically	ADV
easat-5815	295	8	significant	significant	ADJ
easat-5815	295	9	relationship	relationship	NOUN
easat-5815	295	10	is	be	AUX
easat-5815	295	11	confirmed	confirm	VERB
easat-5815	295	12	influence	influence	NOUN
easat-5815	295	13	between	between	ADP
easat-5815	295	14	the	the	DET
easat-5815	295	15	financing	financing	NOUN
easat-5815	295	16	structure	structure	NOUN
easat-5815	295	17	on	on	ADP
easat-5815	295	18	funding	funding	NOUN
easat-5815	295	19	on	on	ADP
easat-5815	295	20	financial	financial	ADJ
easat-5815	295	21	performance	performance	NOUN
easat-5815	295	22	is	be	AUX
easat-5815	295	23	acceptable	acceptable	ADJ
easat-5815	295	24	.	.	PUNCT
easat-5815	296	1	5.1.2.2	5.1.2.2	NUM
easat-5815	296	2	.	.	PUNCT
easat-5815	296	3	testing	test	VERB
easat-5815	296	4	the	the	DET
easat-5815	296	5	effect	effect	NOUN
easat-5815	296	6	of	of	ADP
easat-5815	296	7	operating	operating	NOUN
easat-5815	296	8	costs	cost	NOUN
easat-5815	296	9	on	on	ADP
easat-5815	296	10	operating	operate	VERB
easat-5815	296	11	income	income	NOUN
easat-5815	296	12	(	(	PUNCT
easat-5815	296	13	x2	x2	PROPN
easat-5815	296	14	)	)	PUNCT
easat-5815	296	15	on	on	ADP
easat-5815	296	16	financial	financial	ADJ
easat-5815	296	17	performance	performance	NOUN
easat-5815	296	18	(	(	PUNCT
easat-5815	296	19	y	y	NOUN
easat-5815	296	20	)	)	PUNCT
easat-5815	296	21	the	the	DET
easat-5815	296	22	results	result	NOUN
easat-5815	296	23	of	of	ADP
easat-5815	296	24	the	the	DET
easat-5815	296	25	analysis	analysis	NOUN
easat-5815	296	26	of	of	ADP
easat-5815	296	27	the	the	DET
easat-5815	296	28	influence	influence	NOUN
easat-5815	296	29	of	of	ADP
easat-5815	296	30	the	the	DET
easat-5815	296	31	operational	operational	ADJ
easat-5815	296	32	cost	cost	NOUN
easat-5815	296	33	variable	variable	NOUN
easat-5815	296	34	on	on	ADP
easat-5815	296	35	operating	operate	VERB
easat-5815	296	36	income	income	NOUN
easat-5815	296	37	(	(	PUNCT
easat-5815	296	38	x2	x2	PROPN
easat-5815	296	39	)	)	PUNCT
easat-5815	296	40	on	on	ADP
easat-5815	296	41	financial	financial	ADJ
easat-5815	296	42	performance	performance	NOUN
easat-5815	296	43	(	(	PUNCT
easat-5815	296	44	y	y	NOUN
easat-5815	296	45	)	)	PUNCT
easat-5815	296	46	,	,	PUNCT
easat-5815	296	47	based	base	VERB
easat-5815	296	48	on	on	ADP
easat-5815	296	49	calculations	calculation	NOUN
easat-5815	296	50	using	use	VERB
easat-5815	296	51	spss	spss	PROPN
easat-5815	296	52	software	software	NOUN
easat-5815	296	53	,	,	PUNCT
easat-5815	296	54	are	be	AUX
easat-5815	296	55	as	as	SCONJ
easat-5815	296	56	follows	follow	VERB
easat-5815	296	57	:	:	PUNCT
easat-5815	296	58	table	table	NOUN
easat-5815	296	59	7	7	NUM
easat-5815	296	60	.	.	PUNCT
easat-5815	296	61	financial	financial	ADJ
easat-5815	296	62	performance	performance	NOUN
easat-5815	296	63	is	be	AUX
easat-5815	296	64	affected	affect	VERB
easat-5815	296	65	by	by	ADP
easat-5815	296	66	operating	operate	VERB
easat-5815	296	67	costs	cost	NOUN
easat-5815	296	68	on	on	ADP
easat-5815	296	69	operating	operate	VERB
easat-5815	296	70	income	income	NOUN
easat-5815	296	71	(	(	PUNCT
easat-5815	296	72	x2	x2	NOUN
easat-5815	296	73	)	)	PUNCT
easat-5815	296	74	calculation	calculation	NOUN
easat-5815	296	75	p	p	NOUN
easat-5815	296	76	-	-	PUNCT
easat-5815	296	77	value	value	NOUN
easat-5815	296	78	label	label	NOUN
easat-5815	296	79	operating	operating	NOUN
easat-5815	296	80	costs	cost	NOUN
easat-5815	296	81	on	on	ADP
easat-5815	296	82	operating	operate	VERB
easat-5815	296	83	income	income	NOUN
easat-5815	296	84	financial	financial	ADJ
easat-5815	296	85	performance	performance	NOUN
easat-5815	296	86	-16.131	-16.131	NOUN
easat-5815	296	87	0.000	0.000	NUM
easat-5815	296	88	significant	significant	ADJ
easat-5815	296	89	based	base	VERB
easat-5815	296	90	on	on	ADP
easat-5815	296	91	the	the	DET
easat-5815	296	92	table	table	NOUN
easat-5815	296	93	above	above	ADV
easat-5815	296	94	,	,	PUNCT
easat-5815	296	95	the	the	DET
easat-5815	296	96	relationship	relationship	NOUN
easat-5815	296	97	between	between	ADP
easat-5815	296	98	operating	operate	VERB
easat-5815	296	99	costs	cost	NOUN
easat-5815	296	100	to	to	ADP
easat-5815	296	101	operating	operate	VERB
easat-5815	296	102	income	income	NOUN
easat-5815	296	103	(	(	PUNCT
easat-5815	296	104	x2	x2	PROPN
easat-5815	296	105	)	)	PUNCT
easat-5815	296	106	and	and	CCONJ
easat-5815	296	107	financial	financial	ADJ
easat-5815	296	108	performance	performance	NOUN
easat-5815	296	109	(	(	PUNCT
easat-5815	296	110	y	y	NOUN
easat-5815	296	111	)	)	PUNCT
easat-5815	296	112	is	be	AUX
easat-5815	296	113	negative	negative	ADJ
easat-5815	296	114	,	,	PUNCT
easat-5815	296	115	a	a	DET
easat-5815	296	116	statistically	statistically	ADV
easat-5815	296	117	significant	significant	ADJ
easat-5815	296	118	regression	regression	NOUN
easat-5815	296	119	coefficient	coefficient	NOUN
easat-5815	296	120	(	(	PUNCT
easat-5815	296	121	β	β	X
easat-5815	296	122	=	=	SYM
easat-5815	296	123	-0.070	-0.070	NOUN
easat-5815	296	124	)	)	PUNCT
easat-5815	296	125	was	be	AUX
easat-5815	296	126	observed	observe	VERB
easat-5815	296	127	.	.	PUNCT
easat-5815	297	1	an	an	DET
easat-5815	297	2	incremental	incremental	ADJ
easat-5815	297	3	increase	increase	NOUN
easat-5815	297	4	in	in	ADP
easat-5815	297	5	operating	operating	NOUN
easat-5815	297	6	costs	cost	NOUN
easat-5815	297	7	to	to	ADP
easat-5815	297	8	operating	operate	VERB
easat-5815	297	9	income	income	NOUN
easat-5815	297	10	(	(	PUNCT
easat-5815	297	11	x2	x2	NOUN
easat-5815	297	12	)	)	PUNCT
easat-5815	297	13	will	will	AUX
easat-5815	297	14	lead	lead	VERB
easat-5815	297	15	to	to	ADP
easat-5815	297	16	a	a	DET
easat-5815	297	17	decrease	decrease	NOUN
easat-5815	297	18	in	in	ADP
easat-5815	297	19	financial	financial	ADJ
easat-5815	297	20	performance	performance	NOUN
easat-5815	297	21	(	(	PUNCT
easat-5815	297	22	y	y	NOUN
easat-5815	297	23	)	)	PUNCT
easat-5815	297	24	.	.	PUNCT
easat-5815	298	1	hypothesis	hypothesis	NOUN
easat-5815	298	2	testing	testing	NOUN
easat-5815	298	3	was	be	AUX
easat-5815	298	4	carried	carry	VERB
easat-5815	298	5	out	out	ADP
easat-5815	298	6	using	use	VERB
easat-5815	298	7	the	the	DET
easat-5815	298	8	t	t	NOUN
easat-5815	298	9	-	-	PUNCT
easat-5815	298	10	test	test	NOUN
easat-5815	298	11	.	.	PUNCT
easat-5815	299	1	the	the	DET
easat-5815	299	2	results	result	NOUN
easat-5815	299	3	show	show	VERB
easat-5815	299	4	a	a	DET
easat-5815	299	5	calculated	calculated	ADJ
easat-5815	299	6	t	t	NOUN
easat-5815	299	7	-	-	PUNCT
easat-5815	299	8	value	value	NOUN
easat-5815	299	9	of	of	ADP
easat-5815	299	10	-16.131	-16.131	NOUN
easat-5815	299	11	,	,	PUNCT
easat-5815	299	12	the	the	DET
easat-5815	299	13	calculated	calculate	VERB
easat-5815	299	14	t	t	NOUN
easat-5815	299	15	-	-	PUNCT
easat-5815	299	16	value	value	NOUN
easat-5815	299	17	(	(	PUNCT
easat-5815	299	18	-0.070	-0.070	NOUN
easat-5815	299	19	)	)	PUNCT
easat-5815	299	20	is	be	AUX
easat-5815	299	21	less	less	ADJ
easat-5815	299	22	than	than	ADP
easat-5815	299	23	the	the	DET
easat-5815	299	24	critical	critical	ADJ
easat-5815	299	25	t	t	NOUN
easat-5815	299	26	-	-	PUNCT
easat-5815	299	27	value	value	NOUN
easat-5815	299	28	(	(	PUNCT
easat-5815	299	29	-1.98	-1.98	NOUN
easat-5815	299	30	)	)	PUNCT
easat-5815	299	31	with	with	ADP
easat-5815	299	32	116	116	NUM
easat-5815	299	33	degrees	degree	NOUN
easat-5815	299	34	of	of	ADP
easat-5815	299	35	freedom	freedom	NOUN
easat-5815	299	36	.	.	PUNCT
easat-5815	300	1	in	in	ADP
easat-5815	300	2	addition	addition	NOUN
easat-5815	300	3	,	,	PUNCT
easat-5815	300	4	the	the	DET
easat-5815	300	5	test	test	NOUN
easat-5815	300	6	was	be	AUX
easat-5815	300	7	also	also	ADV
easat-5815	300	8	carried	carry	VERB
easat-5815	300	9	out	out	ADP
easat-5815	300	10	by	by	ADP
easat-5815	300	11	comparing	compare	VERB
easat-5815	300	12	the	the	DET
easat-5815	300	13	p	p	NOUN
easat-5815	300	14	-	-	PUNCT
easat-5815	300	15	value	value	NOUN
easat-5815	300	16	with	with	ADP
easat-5815	300	17	a	a	DET
easat-5815	300	18	significance	significance	NOUN
easat-5815	300	19	level	level	NOUN
easat-5815	300	20	of	of	ADP
easat-5815	300	21	0.05	0.05	NUM
easat-5815	300	22	(	(	PUNCT
easat-5815	300	23	α	α	NOUN
easat-5815	300	24	=	=	SYM
easat-5815	300	25	5	5	NUM
easat-5815	300	26	%	%	NOUN
easat-5815	300	27	)	)	PUNCT
easat-5815	300	28	,	,	PUNCT
easat-5815	300	29	using	use	VERB
easat-5815	300	30	the	the	DET
easat-5815	300	31	following	follow	VERB
easat-5815	300	32	criteria	criterion	NOUN
easat-5815	300	33	:	:	PUNCT
easat-5815	300	34	•	•	ADP
easat-5815	300	35	p	p	NOUN
easat-5815	300	36	-	-	PUNCT
easat-5815	300	37	value	value	NOUN
easat-5815	300	38	>	>	NOUN
easat-5815	300	39	0.05	0.05	NUM
easat-5815	300	40	:	:	PUNCT
easat-5815	300	41	h0	h0	NOUN
easat-5815	300	42	(	(	PUNCT
easat-5815	300	43	null	null	ADJ
easat-5815	300	44	hypothesis	hypothesis	NOUN
easat-5815	300	45	)	)	PUNCT
easat-5815	300	46	is	be	AUX
easat-5815	300	47	accepted	accept	VERB
easat-5815	300	48	.	.	PUNCT
easat-5815	301	1	•	•	NUM
easat-5815	302	1	p	p	NOUN
easat-5815	302	2	-	-	PUNCT
easat-5815	302	3	value	value	NOUN
easat-5815	302	4	<	<	X
easat-5815	302	5	0.05	0.05	NUM
easat-5815	302	6	:	:	PUNCT
easat-5815	302	7	h0	h0	PROPN
easat-5815	302	8	is	be	AUX
easat-5815	302	9	rejected	reject	VERB
easat-5815	302	10	.	.	PUNCT
easat-5815	303	1	hypothesis	hypothesis	NOUN
easat-5815	303	2	4	4	NUM
easat-5815	303	3	:	:	SYM
easat-5815	303	4	2427	2427	NUM
easat-5815	303	5	edelweiss	edelweiss	PROPN
easat-5815	303	6	applied	apply	VERB
easat-5815	303	7	science	science	NOUN
easat-5815	303	8	and	and	CCONJ
easat-5815	303	9	technology	technology	NOUN
easat-5815	303	10	issn	issn	PROPN
easat-5815	303	11	:	:	PUNCT
easat-5815	303	12	2576	2576	NUM
easat-5815	303	13	-	-	SYM
easat-5815	303	14	8484	8484	NUM
easat-5815	303	15	vol	vol	NOUN
easat-5815	303	16	.	.	PROPN
easat-5815	303	17	9	9	NUM
easat-5815	303	18	,	,	PUNCT
easat-5815	303	19	no	no	INTJ
easat-5815	303	20	.	.	NOUN
easat-5815	303	21	3	3	NUM
easat-5815	303	22	:	:	SYM
easat-5815	303	23	2413	2413	NUM
easat-5815	303	24	-	-	SYM
easat-5815	303	25	2434	2434	NUM
easat-5815	303	26	,	,	PUNCT
easat-5815	303	27	2025	2025	NUM
easat-5815	303	28	doi	doi	NOUN
easat-5815	303	29	:	:	PUNCT
easat-5815	303	30	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	303	31	©	©	PROPN
easat-5815	303	32	2025	2025	NUM
easat-5815	303	33	by	by	ADP
easat-5815	303	34	the	the	DET
easat-5815	303	35	author	author	NOUN
easat-5815	303	36	;	;	PUNCT
easat-5815	303	37	licensee	licensee	PROPN
easat-5815	303	38	learning	learning	PROPN
easat-5815	303	39	gate	gate	PROPN
easat-5815	303	40	h04	h04	PROPN
easat-5815	303	41	(	(	PUNCT
easat-5815	303	42	β	β	X
easat-5815	303	43	=	=	SYM
easat-5815	303	44	0	0	NUM
easat-5815	303	45	):	):	PUNCT
easat-5815	303	46	there	there	PRON
easat-5815	303	47	is	be	VERB
easat-5815	303	48	no	no	DET
easat-5815	303	49	significant	significant	ADJ
easat-5815	303	50	effect	effect	NOUN
easat-5815	303	51	of	of	ADP
easat-5815	303	52	operating	operating	NOUN
easat-5815	303	53	costs	cost	NOUN
easat-5815	303	54	on	on	ADP
easat-5815	303	55	operating	operate	VERB
easat-5815	303	56	income	income	NOUN
easat-5815	303	57	on	on	ADP
easat-5815	303	58	financial	financial	ADJ
easat-5815	303	59	performance	performance	NOUN
easat-5815	303	60	.	.	PUNCT
easat-5815	304	1	ha4	ha4	NOUN
easat-5815	304	2	(	(	PUNCT
easat-5815	304	3	β	β	X
easat-5815	304	4	≠	≠	PROPN
easat-5815	304	5	0	0	NUM
easat-5815	304	6	):	):	PUNCT
easat-5815	304	7	there	there	PRON
easat-5815	304	8	is	be	VERB
easat-5815	304	9	a	a	DET
easat-5815	304	10	significant	significant	ADJ
easat-5815	304	11	influence	influence	NOUN
easat-5815	304	12	of	of	ADP
easat-5815	304	13	operating	operating	NOUN
easat-5815	304	14	costs	cost	NOUN
easat-5815	304	15	on	on	ADP
easat-5815	304	16	operating	operate	VERB
easat-5815	304	17	income	income	NOUN
easat-5815	304	18	on	on	ADP
easat-5815	304	19	financial	financial	ADJ
easat-5815	304	20	performance	performance	NOUN
easat-5815	304	21	.	.	PUNCT
easat-5815	305	1	the	the	DET
easat-5815	305	2	analysis	analysis	NOUN
easat-5815	305	3	reveals	reveal	VERB
easat-5815	305	4	a	a	DET
easat-5815	305	5	significant	significant	ADJ
easat-5815	305	6	relationship	relationship	NOUN
easat-5815	305	7	between	between	ADP
easat-5815	305	8	operating	operate	VERB
easat-5815	305	9	costs	cost	NOUN
easat-5815	305	10	on	on	ADP
easat-5815	305	11	operating	operate	VERB
easat-5815	305	12	income	income	NOUN
easat-5815	305	13	and	and	CCONJ
easat-5815	305	14	financial	financial	ADJ
easat-5815	305	15	performance	performance	NOUN
easat-5815	305	16	,	,	PUNCT
easat-5815	305	17	with	with	ADP
easat-5815	305	18	a	a	DET
easat-5815	305	19	p	p	NOUN
easat-5815	305	20	-	-	PUNCT
easat-5815	305	21	value	value	NOUN
easat-5815	305	22	of	of	ADP
easat-5815	305	23	0.000	0.000	NUM
easat-5815	305	24	and	and	CCONJ
easat-5815	305	25	a	a	DET
easat-5815	305	26	t	t	NOUN
easat-5815	305	27	-	-	PUNCT
easat-5815	305	28	statistic	statistic	NOUN
easat-5815	305	29	of	of	ADP
easat-5815	305	30	-16.131	-16.131	PROPN
easat-5815	305	31	,	,	PUNCT
easat-5815	305	32	leading	lead	VERB
easat-5815	305	33	to	to	ADP
easat-5815	305	34	the	the	DET
easat-5815	305	35	rejection	rejection	NOUN
easat-5815	305	36	of	of	ADP
easat-5815	305	37	h0	h0	NOUN
easat-5815	305	38	and	and	CCONJ
easat-5815	305	39	acceptance	acceptance	NOUN
easat-5815	305	40	of	of	ADP
easat-5815	305	41	ha	ha	INTJ
easat-5815	305	42	.	.	PUNCT
easat-5815	305	43	5.1.2.3	5.1.2.3	NUM
easat-5815	305	44	.	.	NOUN
easat-5815	305	45	testing	test	VERB
easat-5815	305	46	the	the	DET
easat-5815	305	47	effect	effect	NOUN
easat-5815	305	48	of	of	ADP
easat-5815	305	49	risk	risk	NOUN
easat-5815	305	50	management	management	NOUN
easat-5815	305	51	(	(	PUNCT
easat-5815	305	52	z	z	NOUN
easat-5815	305	53	)	)	PUNCT
easat-5815	305	54	on	on	ADP
easat-5815	305	55	financial	financial	ADJ
easat-5815	305	56	performance	performance	NOUN
easat-5815	305	57	(	(	PUNCT
easat-5815	305	58	y	y	NOUN
easat-5815	305	59	)	)	PUNCT
easat-5815	305	60	the	the	DET
easat-5815	305	61	results	result	NOUN
easat-5815	305	62	of	of	ADP
easat-5815	305	63	the	the	DET
easat-5815	305	64	spss	spss	PROPN
easat-5815	305	65	calculation	calculation	NOUN
easat-5815	305	66	show	show	VERB
easat-5815	305	67	a	a	DET
easat-5815	305	68	significant	significant	ADJ
easat-5815	305	69	influence	influence	NOUN
easat-5815	305	70	of	of	ADP
easat-5815	305	71	risk	risk	NOUN
easat-5815	305	72	management	management	NOUN
easat-5815	305	73	(	(	PUNCT
easat-5815	305	74	z	z	NOUN
easat-5815	305	75	)	)	PUNCT
easat-5815	305	76	on	on	ADP
easat-5815	305	77	financial	financial	ADJ
easat-5815	305	78	performance	performance	NOUN
easat-5815	305	79	(	(	PUNCT
easat-5815	305	80	y	y	NOUN
easat-5815	305	81	)	)	PUNCT
easat-5815	305	82	table	table	NOUN
easat-5815	305	83	8	8	NUM
easat-5815	305	84	.	.	PUNCT
easat-5815	306	1	the	the	DET
easat-5815	306	2	effect	effect	NOUN
easat-5815	306	3	of	of	ADP
easat-5815	306	4	risk	risk	NOUN
easat-5815	306	5	management	management	NOUN
easat-5815	306	6	(	(	PUNCT
easat-5815	306	7	z	z	NOUN
easat-5815	306	8	)	)	PUNCT
easat-5815	306	9	on	on	ADP
easat-5815	306	10	financial	financial	ADJ
easat-5815	306	11	performance	performance	NOUN
easat-5815	306	12	(	(	PUNCT
easat-5815	306	13	y	y	NOUN
easat-5815	306	14	)	)	PUNCT
easat-5815	306	15	.	.	PUNCT
easat-5815	307	1	β	β	X
easat-5815	307	2	calculation	calculation	NOUN
easat-5815	307	3	p	p	NOUN
easat-5815	307	4	-	-	PUNCT
easat-5815	307	5	value	value	NOUN
easat-5815	307	6	label	label	NOUN
easat-5815	307	7	risk	risk	NOUN
easat-5815	307	8	management	management	NOUN
easat-5815	307	9	financial	financial	ADJ
easat-5815	307	10	performance	performance	NOUN
easat-5815	307	11	0.216	0.216	NUM
easat-5815	307	12	5.968	5.968	NUM
easat-5815	307	13	0.000	0.000	NUM
easat-5815	307	14	significant	significant	ADJ
easat-5815	307	15	the	the	DET
easat-5815	307	16	results	result	NOUN
easat-5815	307	17	of	of	ADP
easat-5815	307	18	the	the	DET
easat-5815	307	19	analysis	analysis	NOUN
easat-5815	307	20	show	show	VERB
easat-5815	307	21	that	that	SCONJ
easat-5815	307	22	risk	risk	NOUN
easat-5815	307	23	management	management	NOUN
easat-5815	307	24	has	have	VERB
easat-5815	307	25	a	a	DET
easat-5815	307	26	positive	positive	ADJ
easat-5815	307	27	and	and	CCONJ
easat-5815	307	28	significant	significant	ADJ
easat-5815	307	29	effect	effect	NOUN
easat-5815	307	30	on	on	ADP
easat-5815	307	31	financial	financial	ADJ
easat-5815	307	32	performance	performance	NOUN
easat-5815	307	33	with	with	ADP
easat-5815	307	34	a	a	DET
easat-5815	307	35	regression	regression	NOUN
easat-5815	307	36	coefficient	coefficient	NOUN
easat-5815	307	37	value	value	NOUN
easat-5815	307	38	of	of	ADP
easat-5815	307	39	0.216	0.216	NUM
easat-5815	307	40	.	.	PUNCT
easat-5815	308	1	the	the	DET
easat-5815	308	2	t	t	PROPN
easat-5815	308	3	-	-	PUNCT
easat-5815	308	4	test	test	NOUN
easat-5815	308	5	results	result	NOUN
easat-5815	308	6	indicate	indicate	VERB
easat-5815	308	7	a	a	DET
easat-5815	308	8	statistically	statistically	ADV
easat-5815	308	9	significant	significant	ADJ
easat-5815	308	10	relationship	relationship	NOUN
easat-5815	308	11	(	(	PUNCT
easat-5815	308	12	t	t	NOUN
easat-5815	308	13	=	=	PUNCT
easat-5815	308	14	5.968	5.968	NUM
easat-5815	308	15	,	,	PUNCT
easat-5815	308	16	df	df	PROPN
easat-5815	308	17	=	=	SYM
easat-5815	308	18	116	116	NUM
easat-5815	308	19	,	,	PUNCT
easat-5815	308	20	p	p	X
easat-5815	308	21	<	<	X
easat-5815	308	22	0.001	0.001	NUM
easat-5815	308	23	)	)	PUNCT
easat-5815	308	24	.	.	PUNCT
easat-5815	309	1	statistical	statistical	ADJ
easat-5815	309	2	analysis	analysis	NOUN
easat-5815	309	3	employed	employ	VERB
easat-5815	309	4	a	a	DET
easat-5815	309	5	p	p	ADJ
easat-5815	309	6	-	-	PUNCT
easat-5815	309	7	value	value	NOUN
easat-5815	309	8	approach	approach	NOUN
easat-5815	309	9	with	with	ADP
easat-5815	309	10	a	a	DET
easat-5815	309	11	5	5	NUM
easat-5815	309	12	%	%	NOUN
easat-5815	309	13	significance	significance	NOUN
easat-5815	309	14	level	level	NOUN
easat-5815	309	15	(	(	PUNCT
easat-5815	309	16	α	α	NOUN
easat-5815	309	17	=	=	NOUN
easat-5815	309	18	0.05	0.05	NUM
easat-5815	309	19	)	)	PUNCT
easat-5815	309	20	for	for	ADP
easat-5815	309	21	hypothesis	hypothesis	NOUN
easat-5815	309	22	testing	testing	NOUN
easat-5815	309	23	.	.	PUNCT
easat-5815	310	1	hypothesis	hypothesis	NOUN
easat-5815	310	2	testing	testing	NOUN
easat-5815	310	3	criteria	criterion	NOUN
easat-5815	310	4	:	:	PUNCT
easat-5815	310	5	p	p	X
easat-5815	310	6	-	-	PUNCT
easat-5815	310	7	value	value	NOUN
easat-5815	310	8	compared	compare	VERB
easat-5815	310	9	to	to	ADP
easat-5815	310	10	α	α	NOUN
easat-5815	310	11	=	=	NOUN
easat-5815	310	12	0.05	0.05	NUM
easat-5815	310	13	.	.	PUNCT
easat-5815	310	14	"	"	PUNCT
easat-5815	311	1	•	•	PRON
easat-5815	311	2	p	p	NOUN
easat-5815	311	3	-	-	PUNCT
easat-5815	311	4	value	value	NOUN
easat-5815	311	5	>	>	NOUN
easat-5815	311	6	0.05	0.05	NUM
easat-5815	311	7	:	:	PUNCT
easat-5815	311	8	accept	accept	VERB
easat-5815	311	9	the	the	DET
easat-5815	311	10	null	null	ADJ
easat-5815	311	11	hypothesis	hypothesis	NOUN
easat-5815	311	12	(	(	PUNCT
easat-5815	311	13	h0	h0	PROPN
easat-5815	311	14	)	)	PUNCT
easat-5815	311	15	•	•	PRON
easat-5815	312	1	p	p	NOUN
easat-5815	312	2	-	-	PUNCT
easat-5815	312	3	value	value	NOUN
easat-5815	312	4	<	<	NOUN
easat-5815	312	5	0.05	0.05	NUM
easat-5815	312	6	:	:	PUNCT
easat-5815	312	7	reject	reject	VERB
easat-5815	312	8	the	the	DET
easat-5815	312	9	null	null	ADJ
easat-5815	312	10	hypothesis	hypothesis	NOUN
easat-5815	312	11	(	(	PUNCT
easat-5815	312	12	h0	h0	NOUN
easat-5815	312	13	)	)	PUNCT
easat-5815	312	14	hypothesis	hypothesis	NOUN
easat-5815	312	15	5	5	NUM
easat-5815	312	16	:	:	PUNCT
easat-5815	312	17	h05	h05	PROPN
easat-5815	312	18	=	=	SYM
easat-5815	312	19	β=0	β=0	NUM
easat-5815	312	20	:	:	PUNCT
easat-5815	312	21	there	there	PRON
easat-5815	312	22	is	be	VERB
easat-5815	312	23	no	no	DET
easat-5815	312	24	significant	significant	ADJ
easat-5815	312	25	influence	influence	NOUN
easat-5815	312	26	of	of	ADP
easat-5815	312	27	risk	risk	NOUN
easat-5815	312	28	management	management	NOUN
easat-5815	312	29	on	on	ADP
easat-5815	312	30	financial	financial	ADJ
easat-5815	312	31	performance	performance	NOUN
easat-5815	312	32	ha5	ha5	NOUN
easat-5815	312	33	=	=	NOUN
easat-5815	312	34	β≠0	β≠0	NOUN
easat-5815	312	35	:	:	PUNCT
easat-5815	312	36	there	there	PRON
easat-5815	312	37	is	be	VERB
easat-5815	312	38	a	a	DET
easat-5815	312	39	significant	significant	ADJ
easat-5815	312	40	influence	influence	NOUN
easat-5815	312	41	of	of	ADP
easat-5815	312	42	risk	risk	NOUN
easat-5815	312	43	management	management	NOUN
easat-5815	312	44	on	on	ADP
easat-5815	312	45	financial	financial	ADJ
easat-5815	312	46	performance	performance	NOUN
easat-5815	312	47	based	base	VERB
easat-5815	312	48	on	on	ADP
easat-5815	312	49	the	the	DET
easat-5815	312	50	provisions	provision	NOUN
easat-5815	312	51	that	that	PRON
easat-5815	312	52	have	have	AUX
easat-5815	312	53	been	be	AUX
easat-5815	312	54	stated	state	VERB
easat-5815	312	55	earlier	early	ADV
easat-5815	312	56	,	,	PUNCT
easat-5815	312	57	the	the	DET
easat-5815	312	58	p	p	NOUN
easat-5815	312	59	-	-	PUNCT
easat-5815	312	60	value	value	NOUN
easat-5815	312	61	(	(	PUNCT
easat-5815	312	62	0.000	0.000	NUM
easat-5815	312	63	)	)	PUNCT
easat-5815	312	64	falls	fall	VERB
easat-5815	312	65	below	below	ADP
easat-5815	312	66	the	the	DET
easat-5815	312	67	significance	significance	NOUN
easat-5815	312	68	threshold	threshold	NOUN
easat-5815	312	69	(	(	PUNCT
easat-5815	312	70	α	α	NOUN
easat-5815	312	71	=	=	NOUN
easat-5815	312	72	0.05	0.05	NUM
easat-5815	312	73	)	)	PUNCT
easat-5815	312	74	,	,	PUNCT
easat-5815	312	75	indicating	indicate	VERB
easat-5815	312	76	statistical	statistical	ADJ
easat-5815	312	77	significance	significance	NOUN
easat-5815	312	78	.	.	PUNCT
easat-5815	313	1	and	and	CCONJ
easat-5815	313	2	t	t	PROPN
easat-5815	313	3	is	be	AUX
easat-5815	313	4	calculated	calculate	VERB
easat-5815	313	5	greater	great	ADJ
easat-5815	313	6	than	than	ADP
easat-5815	313	7	1.98	1.98	NUM
easat-5815	313	8	.	.	PUNCT
easat-5815	314	1	this	this	PRON
easat-5815	314	2	means	mean	VERB
easat-5815	314	3	that	that	SCONJ
easat-5815	314	4	h05	h05	NOUN
easat-5815	314	5	is	be	AUX
easat-5815	314	6	rejected	reject	VERB
easat-5815	314	7	and	and	CCONJ
easat-5815	314	8	ha5	ha5	NOUN
easat-5815	314	9	is	be	AUX
easat-5815	314	10	accepted	accept	VERB
easat-5815	314	11	,	,	PUNCT
easat-5815	314	12	so	so	CCONJ
easat-5815	314	13	there	there	PRON
easat-5815	314	14	is	be	VERB
easat-5815	314	15	a	a	DET
easat-5815	314	16	significant	significant	ADJ
easat-5815	314	17	influence	influence	NOUN
easat-5815	314	18	between	between	ADP
easat-5815	314	19	risk	risk	NOUN
easat-5815	314	20	management	management	NOUN
easat-5815	314	21	and	and	CCONJ
easat-5815	314	22	financial	financial	ADJ
easat-5815	314	23	performance	performance	NOUN
easat-5815	314	24	.	.	PUNCT
easat-5815	315	1	therefore	therefore	ADV
easat-5815	315	2	,	,	PUNCT
easat-5815	315	3	the	the	DET
easat-5815	315	4	hypothesis	hypothesis	NOUN
easat-5815	315	5	positing	posit	VERB
easat-5815	315	6	a	a	DET
easat-5815	315	7	significant	significant	ADJ
easat-5815	315	8	relationship	relationship	NOUN
easat-5815	315	9	between	between	ADP
easat-5815	315	10	risk	risk	NOUN
easat-5815	315	11	management	management	NOUN
easat-5815	315	12	and	and	CCONJ
easat-5815	315	13	financial	financial	ADJ
easat-5815	315	14	performance	performance	NOUN
easat-5815	315	15	is	be	AUX
easat-5815	315	16	supported	support	VERB
easat-5815	315	17	.	.	PUNCT
easat-5815	316	1	5.1.3	5.1.3	X
easat-5815	316	2	.	.	PUNCT
easat-5815	316	3	testing	test	VERB
easat-5815	316	4	the	the	DET
easat-5815	316	5	effect	effect	NOUN
easat-5815	316	6	of	of	ADP
easat-5815	316	7	risk	risk	NOUN
easat-5815	316	8	management	management	NOUN
easat-5815	316	9	mediation	mediation	NOUN
easat-5815	316	10	on	on	ADP
easat-5815	316	11	the	the	DET
easat-5815	316	12	influence	influence	NOUN
easat-5815	316	13	of	of	ADP
easat-5815	316	14	financing	finance	VERB
easat-5815	316	15	structure	structure	NOUN
easat-5815	316	16	on	on	ADP
easat-5815	316	17	funding	funding	NOUN
easat-5815	316	18	and	and	CCONJ
easat-5815	316	19	operating	operating	NOUN
easat-5815	316	20	costs	cost	NOUN
easat-5815	316	21	on	on	ADP
easat-5815	316	22	operation	operation	NOUN
easat-5815	316	23	revenue	revenue	NOUN
easat-5815	316	24	on	on	ADP
easat-5815	316	25	the	the	DET
easat-5815	316	26	performance	performance	NOUN
easat-5815	316	27	of	of	ADP
easat-5815	316	28	finance	finance	NOUN
easat-5815	316	29	the	the	DET
easat-5815	316	30	analysis	analysis	NOUN
easat-5815	316	31	of	of	ADP
easat-5815	316	32	the	the	DET
easat-5815	316	33	sobel	sobel	PROPN
easat-5815	316	34	test	test	NOUN
easat-5815	316	35	was	be	AUX
easat-5815	316	36	used	use	VERB
easat-5815	316	37	to	to	PART
easat-5815	316	38	test	test	VERB
easat-5815	316	39	the	the	DET
easat-5815	316	40	mediating	mediate	VERB
easat-5815	316	41	effect	effect	NOUN
easat-5815	316	42	of	of	ADP
easat-5815	316	43	risk	risk	NOUN
easat-5815	316	44	management	management	NOUN
easat-5815	316	45	in	in	ADP
easat-5815	316	46	the	the	DET
easat-5815	316	47	relationship	relationship	NOUN
easat-5815	316	48	between	between	ADP
easat-5815	316	49	independent	independent	ADJ
easat-5815	316	50	variables	variable	NOUN
easat-5815	316	51	and	and	CCONJ
easat-5815	316	52	financial	financial	ADJ
easat-5815	316	53	performance	performance	NOUN
easat-5815	316	54	(	(	PUNCT
easat-5815	316	55	hypotheses	hypothesis	NOUN
easat-5815	316	56	6	6	NUM
easat-5815	316	57	and	and	CCONJ
easat-5815	316	58	7	7	NUM
easat-5815	316	59	)	)	PUNCT
easat-5815	316	60	.	.	PUNCT
easat-5815	317	1	hypothesis	hypothesis	NOUN
easat-5815	317	2	testing	test	VERB
easat-5815	317	3	6	6	NUM
easat-5815	317	4	and	and	CCONJ
easat-5815	317	5	7	7	NUM
easat-5815	317	6	were	be	AUX
easat-5815	317	7	carried	carry	VERB
easat-5815	317	8	out	out	ADP
easat-5815	317	9	by	by	ADP
easat-5815	317	10	analyzing	analyze	VERB
easat-5815	317	11	the	the	DET
easat-5815	317	12	sobel	sobel	NOUN
easat-5815	317	13	test	test	NOUN
easat-5815	317	14	to	to	PART
easat-5815	317	15	determine	determine	VERB
easat-5815	317	16	the	the	DET
easat-5815	317	17	mediation	mediation	NOUN
easat-5815	317	18	role	role	NOUN
easat-5815	317	19	of	of	ADP
easat-5815	317	20	risk	risk	NOUN
easat-5815	317	21	management	management	NOUN
easat-5815	317	22	.	.	PUNCT
easat-5815	318	1	5.1.3.1	5.1.3.1	X
easat-5815	318	2	.	.	PUNCT
easat-5815	318	3	financing	finance	VERB
easat-5815	318	4	structure	structure	NOUN
easat-5815	318	5	on	on	ADP
easat-5815	318	6	funding	funding	NOUN
easat-5815	318	7	has	have	VERB
easat-5815	318	8	significant	significant	ADJ
easat-5815	318	9	effect	effect	NOUN
easat-5815	318	10	to	to	ADP
easat-5815	318	11	the	the	DET
easat-5815	318	12	performance	performance	NOUN
easat-5815	318	13	of	of	ADP
easat-5815	318	14	finance	finance	NOUN
easat-5815	318	15	through	through	ADP
easat-5815	318	16	risk	risk	NOUN
easat-5815	318	17	management	management	NOUN
easat-5815	318	18	the	the	DET
easat-5815	318	19	hypotheses	hypothesis	NOUN
easat-5815	318	20	tested	test	VERB
easat-5815	318	21	were	be	AUX
easat-5815	318	22	:	:	PUNCT
easat-5815	318	23	h06	h06	NOUN
easat-5815	318	24	=	=	NOUN
easat-5815	318	25	ρ=0	ρ=0	NUM
easat-5815	318	26	:	:	PUNCT
easat-5815	318	27	the	the	DET
easat-5815	318	28	financing	financing	NOUN
easat-5815	318	29	structure	structure	NOUN
easat-5815	318	30	's	's	PART
easat-5815	318	31	impact	impact	NOUN
easat-5815	318	32	on	on	ADP
easat-5815	318	33	funding	funding	NOUN
easat-5815	318	34	does	do	AUX
easat-5815	318	35	not	not	PART
easat-5815	318	36	significantly	significantly	ADV
easat-5815	318	37	influence	influence	VERB
easat-5815	318	38	financial	financial	ADJ
easat-5815	318	39	performance	performance	NOUN
easat-5815	318	40	through	through	ADP
easat-5815	318	41	risk	risk	NOUN
easat-5815	318	42	management	management	NOUN
easat-5815	318	43	ha6	ha6	PROPN
easat-5815	319	1	=	=	PROPN
easat-5815	319	2	ρ≠0	ρ≠0	PROPN
easat-5815	319	3	:	:	PUNCT
easat-5815	319	4	the	the	DET
easat-5815	319	5	analysis	analysis	NOUN
easat-5815	319	6	revealed	reveal	VERB
easat-5815	319	7	a	a	DET
easat-5815	319	8	statistically	statistically	ADV
easat-5815	319	9	significant	significant	ADJ
easat-5815	319	10	indirect	indirect	ADJ
easat-5815	319	11	relationship	relationship	NOUN
easat-5815	319	12	between	between	ADP
easat-5815	319	13	financing	financing	NOUN
easat-5815	319	14	structure	structure	NOUN
easat-5815	319	15	and	and	CCONJ
easat-5815	319	16	financial	financial	ADJ
easat-5815	319	17	performance	performance	NOUN
easat-5815	319	18	,	,	PUNCT
easat-5815	319	19	mediated	mediate	VERB
easat-5815	319	20	by	by	ADP
easat-5815	319	21	risk	risk	NOUN
easat-5815	319	22	management	management	NOUN
easat-5815	319	23	.	.	PUNCT
easat-5815	320	1	2428	2428	NUM
easat-5815	320	2	edelweiss	edelweiss	PROPN
easat-5815	320	3	applied	apply	VERB
easat-5815	320	4	science	science	NOUN
easat-5815	320	5	and	and	CCONJ
easat-5815	320	6	technology	technology	NOUN
easat-5815	320	7	issn	issn	PROPN
easat-5815	320	8	:	:	PUNCT
easat-5815	320	9	2576	2576	NUM
easat-5815	320	10	-	-	SYM
easat-5815	320	11	8484	8484	NUM
easat-5815	320	12	vol	vol	NOUN
easat-5815	320	13	.	.	PROPN
easat-5815	321	1	9	9	NUM
easat-5815	321	2	,	,	PUNCT
easat-5815	321	3	no	no	INTJ
easat-5815	321	4	.	.	NOUN
easat-5815	322	1	3	3	NUM
easat-5815	322	2	:	:	SYM
easat-5815	322	3	2413	2413	NUM
easat-5815	322	4	-	-	SYM
easat-5815	322	5	2434	2434	NUM
easat-5815	322	6	,	,	PUNCT
easat-5815	322	7	2025	2025	NUM
easat-5815	322	8	doi	doi	NOUN
easat-5815	322	9	:	:	PUNCT
easat-5815	322	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	322	11	©	©	PROPN
easat-5815	322	12	2025	2025	NUM
easat-5815	322	13	by	by	ADP
easat-5815	322	14	the	the	DET
easat-5815	322	15	author	author	NOUN
easat-5815	322	16	;	;	PUNCT
easat-5815	322	17	licensee	licensee	PROPN
easat-5815	322	18	learning	learn	VERB
easat-5815	322	19	gate	gate	NOUN
easat-5815	322	20	table	table	NOUN
easat-5815	322	21	9	9	NUM
easat-5815	322	22	.	.	PUNCT
easat-5815	323	1	the	the	DET
easat-5815	323	2	effect	effect	NOUN
easat-5815	323	3	of	of	ADP
easat-5815	323	4	financing	finance	VERB
easat-5815	323	5	structure	structure	NOUN
easat-5815	323	6	on	on	ADP
easat-5815	323	7	funding	funding	NOUN
easat-5815	323	8	(	(	PUNCT
easat-5815	323	9	x1	x1	PROPN
easat-5815	323	10	)	)	PUNCT
easat-5815	323	11	on	on	ADP
easat-5815	323	12	financial	financial	ADJ
easat-5815	323	13	performance	performance	NOUN
easat-5815	323	14	(	(	PUNCT
easat-5815	323	15	y	y	NOUN
easat-5815	323	16	)	)	PUNCT
easat-5815	323	17	through	through	ADP
easat-5815	323	18	risk	risk	NOUN
easat-5815	323	19	management	management	NOUN
easat-5815	323	20	(	(	PUNCT
easat-5815	323	21	z	z	NOUN
easat-5815	323	22	)	)	PUNCT
easat-5815	323	23	.	.	PUNCT
easat-5815	324	1	input	input	NOUN
easat-5815	324	2	test	test	NOUN
easat-5815	324	3	test	test	NOUN
easat-5815	324	4	statistic	statistic	NOUN
easat-5815	324	5	p	p	NOUN
easat-5815	324	6	-	-	PUNCT
easat-5815	324	7	value	value	NOUN
easat-5815	324	8	ta	ta	X
easat-5815	324	9	=	=	SYM
easat-5815	324	10	4.831	4.831	NUM
easat-5815	324	11	sobel	sobel	NOUN
easat-5815	324	12	test	test	NOUN
easat-5815	324	13	3.75494323	3.75494323	NUM
easat-5815	324	14	0.00017338	0.00017338	NUM
easat-5815	324	15	tb	tb	ADP
easat-5815	324	16	=	=	SYM
easat-5815	324	17	5.968	5.968	NUM
easat-5815	324	18	arolan	arolan	NOUN
easat-5815	324	19	test	test	NOUN
easat-5815	324	20	3.72349718	3.72349718	NUM
easat-5815	324	21	0.00019648	0.00019648	NUM
easat-5815	324	22	goodman	goodman	PROPN
easat-5815	324	23	test	test	VERB
easat-5815	324	24	3.78719969	3.78719969	NUM
easat-5815	324	25	0.00015235	0.00015235	NUM
easat-5815	324	26	according	accord	VERB
easat-5815	324	27	to	to	ADP
easat-5815	324	28	the	the	DET
easat-5815	324	29	sobel	sobel	PROPN
easat-5815	324	30	test	test	NOUN
easat-5815	324	31	analysis	analysis	NOUN
easat-5815	324	32	,	,	PUNCT
easat-5815	324	33	the	the	PRON
easat-5815	324	34	t	t	NOUN
easat-5815	324	35	-	-	PUNCT
easat-5815	324	36	statistic	statistic	NOUN
easat-5815	324	37	(	(	PUNCT
easat-5815	324	38	3.755	3.755	NUM
easat-5815	324	39	)	)	PUNCT
easat-5815	324	40	exceeded	exceed	VERB
easat-5815	324	41	the	the	DET
easat-5815	324	42	table	table	NOUN
easat-5815	324	43	value	value	NOUN
easat-5815	324	44	(	(	PUNCT
easat-5815	324	45	1.98	1.98	NUM
easat-5815	324	46	)	)	PUNCT
easat-5815	324	47	,	,	PUNCT
easat-5815	324	48	indicating	indicate	VERB
easat-5815	324	49	a	a	DET
easat-5815	324	50	statistically	statistically	ADV
easat-5815	324	51	significant	significant	ADJ
easat-5815	324	52	result	result	NOUN
easat-5815	324	53	,	,	PUNCT
easat-5815	324	54	indicating	indicate	VERB
easat-5815	324	55	that	that	SCONJ
easat-5815	324	56	risk	risk	NOUN
easat-5815	324	57	management	management	NOUN
easat-5815	324	58	plays	play	VERB
easat-5815	324	59	a	a	DET
easat-5815	324	60	role	role	NOUN
easat-5815	324	61	as	as	ADP
easat-5815	324	62	a	a	DET
easat-5815	324	63	significant	significant	ADJ
easat-5815	324	64	mediating	mediate	VERB
easat-5815	324	65	variable	variable	NOUN
easat-5815	324	66	between	between	ADP
easat-5815	324	67	the	the	DET
easat-5815	324	68	financing	financing	NOUN
easat-5815	324	69	structure	structure	NOUN
easat-5815	324	70	over	over	ADP
easat-5815	324	71	funding	funding	NOUN
easat-5815	324	72	and	and	CCONJ
easat-5815	324	73	financial	financial	ADJ
easat-5815	324	74	performance	performance	NOUN
easat-5815	324	75	the	the	DET
easat-5815	324	76	statistical	statistical	ADJ
easat-5815	324	77	analysis	analysis	NOUN
easat-5815	324	78	supports	support	VERB
easat-5815	324	79	hypothesis	hypothesis	NOUN
easat-5815	324	80	6	6	NUM
easat-5815	324	81	,	,	PUNCT
easat-5815	324	82	showing	show	VERB
easat-5815	324	83	that	that	SCONJ
easat-5815	324	84	risk	risk	NOUN
easat-5815	324	85	management	management	NOUN
easat-5815	324	86	mediates	mediate	VERB
easat-5815	324	87	the	the	DET
easat-5815	324	88	relationship	relationship	NOUN
easat-5815	324	89	between	between	ADP
easat-5815	324	90	the	the	DET
easat-5815	324	91	financing	financing	NOUN
easat-5815	324	92	structure	structure	NOUN
easat-5815	324	93	over	over	ADP
easat-5815	324	94	funding	funding	NOUN
easat-5815	324	95	and	and	CCONJ
easat-5815	324	96	financial	financial	ADJ
easat-5815	324	97	performance	performance	NOUN
easat-5815	324	98	partially	partially	ADV
easat-5815	324	99	.	.	PUNCT
easat-5815	325	1	5.1.3.2	5.1.3.2	X
easat-5815	325	2	.	.	PUNCT
easat-5815	325	3	operating	operate	VERB
easat-5815	325	4	cost	cost	NOUN
easat-5815	325	5	on	on	ADP
easat-5815	325	6	operating	operating	NOUN
easat-5815	325	7	revenue	revenue	NOUN
easat-5815	325	8	have	have	VERB
easat-5815	325	9	significant	significant	ADJ
easat-5815	325	10	effect	effect	NOUN
easat-5815	325	11	to	to	ADP
easat-5815	325	12	the	the	DET
easat-5815	325	13	performance	performance	NOUN
easat-5815	325	14	of	of	ADP
easat-5815	325	15	finance	finance	NOUN
easat-5815	325	16	through	through	ADP
easat-5815	325	17	risk	risk	NOUN
easat-5815	325	18	management	management	NOUN
easat-5815	325	19	as	as	ADP
easat-5815	325	20	intervening	intervene	VERB
easat-5815	325	21	.	.	PUNCT
easat-5815	326	1	the	the	DET
easat-5815	326	2	hypotheses	hypothesis	NOUN
easat-5815	326	3	tested	test	VERB
easat-5815	326	4	were	be	AUX
easat-5815	326	5	:	:	PUNCT
easat-5815	326	6	h07	h07	ADJ
easat-5815	326	7	=	=	NOUN
easat-5815	326	8	ρ=0	ρ=0	NUM
easat-5815	326	9	:	:	PUNCT
easat-5815	326	10	the	the	DET
easat-5815	326	11	relationship	relationship	NOUN
easat-5815	326	12	between	between	ADP
easat-5815	326	13	operating	operating	NOUN
easat-5815	326	14	expenses	expense	NOUN
easat-5815	326	15	,	,	PUNCT
easat-5815	326	16	operating	operate	VERB
easat-5815	326	17	income	income	NOUN
easat-5815	326	18	,	,	PUNCT
easat-5815	326	19	and	and	CCONJ
easat-5815	326	20	financial	financial	ADJ
easat-5815	326	21	performance	performance	NOUN
easat-5815	326	22	remains	remain	VERB
easat-5815	326	23	unaffected	unaffected	ADJ
easat-5815	326	24	by	by	ADP
easat-5815	326	25	risk	risk	NOUN
easat-5815	326	26	management	management	NOUN
easat-5815	326	27	ha7	ha7	PROPN
easat-5815	326	28	=	=	PROPN
easat-5815	326	29	ρ≠0	ρ≠0	PROPN
easat-5815	326	30	:	:	PUNCT
easat-5815	326	31	a	a	DET
easat-5815	326	32	statistically	statistically	ADV
easat-5815	326	33	significant	significant	ADJ
easat-5815	326	34	indirect	indirect	ADJ
easat-5815	326	35	effect	effect	NOUN
easat-5815	326	36	of	of	ADP
easat-5815	326	37	operating	operating	NOUN
easat-5815	326	38	costs	cost	NOUN
easat-5815	326	39	on	on	ADP
easat-5815	326	40	financial	financial	ADJ
easat-5815	326	41	performance	performance	NOUN
easat-5815	326	42	through	through	ADP
easat-5815	326	43	risk	risk	NOUN
easat-5815	326	44	management	management	NOUN
easat-5815	326	45	was	be	AUX
easat-5815	326	46	observed	observe	VERB
easat-5815	326	47	.	.	PUNCT
easat-5815	327	1	table	table	NOUN
easat-5815	327	2	10	10	NUM
easat-5815	327	3	.	.	PUNCT
easat-5815	328	1	operating	operate	VERB
easat-5815	328	2	costs	cost	NOUN
easat-5815	328	3	on	on	ADP
easat-5815	328	4	operating	operate	VERB
easat-5815	328	5	income	income	NOUN
easat-5815	328	6	effect	effect	NOUN
easat-5815	328	7	(	(	PUNCT
easat-5815	328	8	x2	x2	NOUN
easat-5815	328	9	)	)	PUNCT
easat-5815	328	10	on	on	ADP
easat-5815	328	11	performance	performance	NOUN
easat-5815	328	12	of	of	ADP
easat-5815	328	13	finance	finance	NOUN
easat-5815	328	14	(	(	PUNCT
easat-5815	328	15	y	y	NOUN
easat-5815	328	16	)	)	PUNCT
easat-5815	328	17	through	through	ADP
easat-5815	328	18	risk	risk	NOUN
easat-5815	328	19	management	management	NOUN
easat-5815	328	20	(	(	PUNCT
easat-5815	328	21	z	z	NOUN
easat-5815	328	22	)	)	PUNCT
easat-5815	328	23	input	input	NOUN
easat-5815	328	24	test	test	NOUN
easat-5815	328	25	test	test	NOUN
easat-5815	328	26	statistic	statistic	NOUN
easat-5815	328	27	p	p	NOUN
easat-5815	328	28	-	-	PUNCT
easat-5815	328	29	value	value	NOUN
easat-5815	328	30	ta	ta	X
easat-5815	328	31	=	=	SYM
easat-5815	328	32	-1.619	-1.619	PROPN
easat-5815	328	33	sobel	sobel	PROPN
easat-5815	328	34	test	test	NOUN
easat-5815	328	35	1.56252519	1.56252519	NUM
easat-5815	328	36	0.11816432	0.11816432	NUM
easat-5815	328	37	tb	tb	NOUN
easat-5815	328	38	=	=	SYM
easat-5815	328	39	-5.968	-5.968	X
easat-5815	328	40	arolan	arolan	NOUN
easat-5815	328	41	test	test	VERB
easat-5815	328	42	1.54248592	1.54248592	NUM
easat-5815	328	43	0.12295556	0.12295556	NUM
easat-5815	328	44	goodman	goodman	PROPN
easat-5815	328	45	test	test	VERB
easat-5815	328	46	1.58336635	1.58336635	NUM
easat-5815	328	47	0.11333799	0.11333799	NUM
easat-5815	328	48	analysis	analysis	NOUN
easat-5815	328	49	using	use	VERB
easat-5815	328	50	the	the	DET
easat-5815	328	51	sobel	sobel	NOUN
easat-5815	328	52	test	test	NOUN
easat-5815	328	53	yielded	yield	VERB
easat-5815	328	54	a	a	DET
easat-5815	328	55	t	t	NOUN
easat-5815	328	56	-	-	PUNCT
easat-5815	328	57	statistic	statistic	NOUN
easat-5815	328	58	of	of	ADP
easat-5815	328	59	[	[	X
easat-5815	328	60	value	value	NOUN
easat-5815	328	61	]	]	X
easat-5815	328	62	,	,	PUNCT
easat-5815	328	63	supporting	support	VERB
easat-5815	328	64	/	/	SYM
easat-5815	328	65	rejecting	reject	VERB
easat-5815	328	66	the	the	DET
easat-5815	328	67	mediation	mediation	NOUN
easat-5815	328	68	hypothesis	hypothesis	NOUN
easat-5815	328	69	of	of	ADP
easat-5815	328	70	t	t	PROPN
easat-5815	328	71	calculation	calculation	NOUN
easat-5815	328	72	(	(	PUNCT
easat-5815	328	73	1.563	1.563	NUM
easat-5815	328	74	)	)	PUNCT
easat-5815	328	75	did	do	AUX
easat-5815	328	76	not	not	PART
easat-5815	328	77	exceed	exceed	VERB
easat-5815	328	78	the	the	DET
easat-5815	328	79	t	t	NOUN
easat-5815	328	80	table	table	NOUN
easat-5815	328	81	(	(	PUNCT
easat-5815	328	82	1.98	1.98	NUM
easat-5815	328	83	)	)	PUNCT
easat-5815	328	84	,	,	PUNCT
easat-5815	328	85	so	so	CCONJ
easat-5815	328	86	the	the	DET
easat-5815	328	87	hypothesis	hypothesis	NOUN
easat-5815	328	88	was	be	AUX
easat-5815	328	89	not	not	PART
easat-5815	328	90	supported	support	VERB
easat-5815	328	91	.	.	PUNCT
easat-5815	329	1	statistical	statistical	ADJ
easat-5815	329	2	analysis	analysis	NOUN
easat-5815	329	3	found	find	VERB
easat-5815	329	4	no	no	DET
easat-5815	329	5	significant	significant	ADJ
easat-5815	329	6	evidence	evidence	NOUN
easat-5815	329	7	of	of	ADP
easat-5815	329	8	the	the	DET
easat-5815	329	9	influence	influence	NOUN
easat-5815	329	10	of	of	ADP
easat-5815	329	11	mediation	mediation	NOUN
easat-5815	329	12	on	on	ADP
easat-5815	329	13	this	this	DET
easat-5815	329	14	hypothesis	hypothesis	NOUN
easat-5815	329	15	.	.	PUNCT
easat-5815	330	1	3	3	X
easat-5815	330	2	.	.	X
easat-5815	330	3	hypothesis	hypothesis	NOUN
easat-5815	330	4	7	7	NUM
easat-5815	330	5	is	be	AUX
easat-5815	330	6	not	not	PART
easat-5815	330	7	supported	support	VERB
easat-5815	330	8	,	,	PUNCT
easat-5815	330	9	the	the	DET
easat-5815	330	10	sobel	sobel	PROPN
easat-5815	330	11	test	test	NOUN
easat-5815	330	12	revealed	reveal	VERB
easat-5815	330	13	that	that	SCONJ
easat-5815	330	14	risk	risk	NOUN
easat-5815	330	15	management	management	NOUN
easat-5815	330	16	does	do	AUX
easat-5815	330	17	not	not	PART
easat-5815	330	18	significantly	significantly	ADV
easat-5815	330	19	mediate	mediate	VERB
easat-5815	330	20	the	the	DET
easat-5815	330	21	relationship	relationship	NOUN
easat-5815	330	22	between	between	ADP
easat-5815	330	23	operational	operational	ADJ
easat-5815	330	24	expenses	expense	NOUN
easat-5815	330	25	and	and	CCONJ
easat-5815	330	26	financial	financial	ADJ
easat-5815	330	27	outcomes	outcome	NOUN
easat-5815	330	28	,	,	PUNCT
easat-5815	330	29	showing	show	VERB
easat-5815	330	30	no	no	DET
easat-5815	330	31	mediation	mediation	NOUN
easat-5815	330	32	effect	effect	NOUN
easat-5815	330	33	of	of	ADP
easat-5815	330	34	risk	risk	NOUN
easat-5815	330	35	management	management	NOUN
easat-5815	330	36	.	.	PUNCT
easat-5815	331	1	the	the	DET
easat-5815	331	2	hypothesis	hypothesis	NOUN
easat-5815	331	3	test	test	NOUN
easat-5815	331	4	results	result	NOUN
easat-5815	331	5	based	base	VERB
easat-5815	331	6	on	on	ADP
easat-5815	331	7	the	the	DET
easat-5815	331	8	statistical	statistical	ADJ
easat-5815	331	9	analysis	analysis	NOUN
easat-5815	331	10	can	can	AUX
easat-5815	331	11	be	be	AUX
easat-5815	331	12	summarized	summarize	VERB
easat-5815	331	13	as	as	SCONJ
easat-5815	331	14	follows	follow	VERB
easat-5815	331	15	:	:	PUNCT
easat-5815	332	1	5.1.3.2.1	5.1.3.2.1	X
easat-5815	332	2	.	.	PUNCT
easat-5815	333	1	hypothesis	hypothesis	NOUN
easat-5815	333	2	conclusions	conclusion	NOUN
easat-5815	333	3	1	1	NUM
easat-5815	333	4	)	)	PUNCT
easat-5815	333	5	h1	h1	PROPN
easat-5815	333	6	:	:	PUNCT
easat-5815	333	7	supported	support	VERB
easat-5815	333	8	,	,	PUNCT
easat-5815	333	9	there	there	PRON
easat-5815	333	10	is	be	VERB
easat-5815	333	11	a	a	DET
easat-5815	333	12	statistically	statistically	ADV
easat-5815	333	13	significant	significant	ADJ
easat-5815	333	14	relationship	relationship	NOUN
easat-5815	333	15	between	between	ADP
easat-5815	333	16	financing	financing	NOUN
easat-5815	333	17	structure	structure	NOUN
easat-5815	333	18	and	and	CCONJ
easat-5815	333	19	risk	risk	NOUN
easat-5815	333	20	management	management	NOUN
easat-5815	333	21	.	.	PUNCT
easat-5815	334	1	2	2	NUM
easat-5815	334	2	)	)	PUNCT
easat-5815	334	3	h2	h2	NOUN
easat-5815	334	4	:	:	PUNCT
easat-5815	334	5	not	not	PART
easat-5815	334	6	supported	support	VERB
easat-5815	334	7	,	,	PUNCT
easat-5815	334	8	there	there	PRON
easat-5815	334	9	is	be	VERB
easat-5815	334	10	no	no	DET
easat-5815	334	11	significant	significant	ADJ
easat-5815	334	12	influence	influence	NOUN
easat-5815	334	13	of	of	ADP
easat-5815	334	14	operating	operating	NOUN
easat-5815	334	15	costs	cost	NOUN
easat-5815	334	16	to	to	ADP
easat-5815	334	17	operating	operate	VERB
easat-5815	334	18	income	income	NOUN
easat-5815	334	19	(	(	PUNCT
easat-5815	334	20	ocoi	ocoi	NOUN
easat-5815	334	21	)	)	PUNCT
easat-5815	334	22	on	on	ADP
easat-5815	334	23	risk	risk	NOUN
easat-5815	334	24	management	management	NOUN
easat-5815	334	25	.	.	PUNCT
easat-5815	335	1	3	3	X
easat-5815	335	2	)	)	PUNCT
easat-5815	335	3	h3	h3	NOUN
easat-5815	335	4	:	:	PUNCT
easat-5815	335	5	accepted	accept	VERB
easat-5815	335	6	,	,	PUNCT
easat-5815	335	7	a	a	DET
easat-5815	335	8	significant	significant	ADJ
easat-5815	335	9	relationship	relationship	NOUN
easat-5815	335	10	exists	exist	VERB
easat-5815	335	11	between	between	ADP
easat-5815	335	12	financing	financing	NOUN
easat-5815	335	13	structure	structure	NOUN
easat-5815	335	14	and	and	CCONJ
easat-5815	335	15	financial	financial	ADJ
easat-5815	335	16	performance	performance	NOUN
easat-5815	335	17	.	.	PUNCT
easat-5815	336	1	4	4	NUM
easat-5815	336	2	)	)	PUNCT
easat-5815	336	3	h4	h4	NOUN
easat-5815	336	4	:	:	PUNCT
easat-5815	336	5	accepted	accept	VERB
easat-5815	336	6	,	,	PUNCT
easat-5815	336	7	empirical	empirical	ADJ
easat-5815	336	8	evidence	evidence	NOUN
easat-5815	336	9	confirms	confirm	VERB
easat-5815	336	10	a	a	DET
easat-5815	336	11	statistically	statistically	ADV
easat-5815	336	12	significant	significant	ADJ
easat-5815	336	13	relationship	relationship	NOUN
easat-5815	336	14	between	between	ADP
easat-5815	336	15	operating	operating	NOUN
easat-5815	336	16	costs	cost	NOUN
easat-5815	336	17	and	and	CCONJ
easat-5815	336	18	financial	financial	ADJ
easat-5815	336	19	performance	performance	NOUN
easat-5815	336	20	.	.	PUNCT
easat-5815	337	1	5	5	NUM
easat-5815	337	2	)	)	PUNCT
easat-5815	337	3	h5	h5	NOUN
easat-5815	337	4	:	:	PUNCT
easat-5815	337	5	accepted	accept	VERB
easat-5815	337	6	,	,	PUNCT
easat-5815	337	7	there	there	PRON
easat-5815	337	8	is	be	VERB
easat-5815	337	9	a	a	DET
easat-5815	337	10	significant	significant	ADJ
easat-5815	337	11	relationship	relationship	NOUN
easat-5815	337	12	between	between	ADP
easat-5815	337	13	risk	risk	NOUN
easat-5815	337	14	management	management	NOUN
easat-5815	337	15	and	and	CCONJ
easat-5815	337	16	financial	financial	ADJ
easat-5815	337	17	performance	performance	NOUN
easat-5815	337	18	.	.	PUNCT
easat-5815	338	1	6	6	NUM
easat-5815	338	2	)	)	PUNCT
easat-5815	338	3	h6	h6	PROPN
easat-5815	338	4	:	:	PUNCT
easat-5815	338	5	accepted	accept	VERB
easat-5815	338	6	,	,	PUNCT
easat-5815	338	7	a	a	DET
easat-5815	338	8	significant	significant	ADJ
easat-5815	338	9	relationship	relationship	NOUN
easat-5815	338	10	exists	exist	VERB
easat-5815	338	11	between	between	ADP
easat-5815	338	12	financing	financing	NOUN
easat-5815	338	13	structure	structure	NOUN
easat-5815	338	14	and	and	CCONJ
easat-5815	338	15	financial	financial	ADJ
easat-5815	338	16	performance	performance	NOUN
easat-5815	338	17	,	,	PUNCT
easat-5815	338	18	with	with	ADP
easat-5815	338	19	risk	risk	NOUN
easat-5815	338	20	management	management	NOUN
easat-5815	338	21	playing	play	VERB
easat-5815	338	22	a	a	DET
easat-5815	338	23	mediating	mediate	VERB
easat-5815	338	24	role	role	NOUN
easat-5815	338	25	.	.	PUNCT
easat-5815	339	1	7	7	X
easat-5815	339	2	)	)	PUNCT
easat-5815	339	3	h7	h7	NOUN
easat-5815	339	4	:	:	PUNCT
easat-5815	339	5	rejected	reject	VERB
easat-5815	339	6	,	,	PUNCT
easat-5815	339	7	the	the	DET
easat-5815	339	8	analysis	analysis	NOUN
easat-5815	339	9	reveals	reveal	VERB
easat-5815	339	10	that	that	SCONJ
easat-5815	339	11	risk	risk	NOUN
easat-5815	339	12	management	management	NOUN
easat-5815	339	13	does	do	AUX
easat-5815	339	14	not	not	PART
easat-5815	339	15	mediate	mediate	VERB
easat-5815	339	16	a	a	DET
easat-5815	339	17	significant	significant	ADJ
easat-5815	339	18	relationship	relationship	NOUN
easat-5815	339	19	between	between	ADP
easat-5815	339	20	operating	operating	NOUN
easat-5815	339	21	costs	cost	NOUN
easat-5815	339	22	and	and	CCONJ
easat-5815	339	23	financial	financial	ADJ
easat-5815	339	24	performance	performance	NOUN
easat-5815	339	25	.	.	PUNCT
easat-5815	340	1	5.1.3.2.2	5.1.3.2.2	X
easat-5815	340	2	.	.	PUNCT
easat-5815	340	3	key	key	ADJ
easat-5815	340	4	insights	insight	NOUN
easat-5815	340	5	2429	2429	NUM
easat-5815	340	6	edelweiss	edelweiss	PROPN
easat-5815	340	7	applied	apply	VERB
easat-5815	340	8	science	science	NOUN
easat-5815	340	9	and	and	CCONJ
easat-5815	340	10	technology	technology	NOUN
easat-5815	340	11	issn	issn	PROPN
easat-5815	340	12	:	:	PUNCT
easat-5815	340	13	2576	2576	NUM
easat-5815	340	14	-	-	SYM
easat-5815	340	15	8484	8484	NUM
easat-5815	340	16	vol	vol	NOUN
easat-5815	340	17	.	.	PROPN
easat-5815	341	1	9	9	NUM
easat-5815	341	2	,	,	PUNCT
easat-5815	341	3	no	no	INTJ
easat-5815	341	4	.	.	NOUN
easat-5815	342	1	3	3	NUM
easat-5815	342	2	:	:	SYM
easat-5815	342	3	2413	2413	NUM
easat-5815	342	4	-	-	SYM
easat-5815	342	5	2434	2434	NUM
easat-5815	342	6	,	,	PUNCT
easat-5815	342	7	2025	2025	NUM
easat-5815	342	8	doi	doi	NOUN
easat-5815	342	9	:	:	PUNCT
easat-5815	342	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	342	11	©	©	PROPN
easat-5815	342	12	2025	2025	NUM
easat-5815	342	13	by	by	ADP
easat-5815	342	14	the	the	DET
easat-5815	342	15	author	author	NOUN
easat-5815	342	16	;	;	PUNCT
easat-5815	342	17	licensee	licensee	PROPN
easat-5815	342	18	learning	learning	NOUN
easat-5815	342	19	gate	gate	NOUN
easat-5815	342	20	•	•	NOUN
easat-5815	342	21	financing	financing	NOUN
easat-5815	342	22	structure	structure	NOUN
easat-5815	342	23	affects	affect	VERB
easat-5815	342	24	risk	risk	NOUN
easat-5815	342	25	management	management	NOUN
easat-5815	342	26	and	and	CCONJ
easat-5815	342	27	financial	financial	ADJ
easat-5815	342	28	performance	performance	NOUN
easat-5815	342	29	,	,	PUNCT
easat-5815	342	30	directly	directly	ADV
easat-5815	342	31	and	and	CCONJ
easat-5815	342	32	through	through	ADP
easat-5815	342	33	its	its	PRON
easat-5815	342	34	mediating	mediate	VERB
easat-5815	342	35	effects	effect	NOUN
easat-5815	342	36	.	.	PUNCT
easat-5815	343	1	•	•	NUM
easat-5815	343	2	risk	risk	NOUN
easat-5815	343	3	management	management	NOUN
easat-5815	343	4	exhibits	exhibit	VERB
easat-5815	343	5	a	a	DET
easat-5815	343	6	statistically	statistically	ADV
easat-5815	343	7	significant	significant	ADJ
easat-5815	343	8	positive	positive	ADJ
easat-5815	343	9	correlation	correlation	NOUN
easat-5815	343	10	with	with	ADP
easat-5815	343	11	financial	financial	ADJ
easat-5815	343	12	performance	performance	NOUN
easat-5815	343	13	,	,	PUNCT
easat-5815	343	14	reinforcing	reinforce	VERB
easat-5815	343	15	its	its	PRON
easat-5815	343	16	importance	importance	NOUN
easat-5815	343	17	in	in	ADP
easat-5815	343	18	islamic	islamic	ADJ
easat-5815	343	19	banking	banking	NOUN
easat-5815	343	20	operations	operation	NOUN
easat-5815	343	21	.	.	PUNCT
easat-5815	344	1	•	•	NOUN
easat-5815	344	2	operating	operating	NOUN
easat-5815	344	3	costs	cost	NOUN
easat-5815	344	4	significantly	significantly	ADV
easat-5815	344	5	influence	influence	VERB
easat-5815	344	6	financial	financial	ADJ
easat-5815	344	7	performance	performance	NOUN
easat-5815	344	8	directly	directly	ADV
easat-5815	344	9	,	,	PUNCT
easat-5815	344	10	but	but	CCONJ
easat-5815	344	11	this	this	DET
easat-5815	344	12	relationship	relationship	NOUN
easat-5815	344	13	does	do	AUX
easat-5815	344	14	not	not	PART
easat-5815	344	15	hold	hold	VERB
easat-5815	344	16	when	when	SCONJ
easat-5815	344	17	mediated	mediate	VERB
easat-5815	344	18	through	through	ADP
easat-5815	344	19	risk	risk	NOUN
easat-5815	344	20	management	management	NOUN
easat-5815	344	21	.	.	PUNCT
easat-5815	345	1	5.1.4	5.1.4	X
easat-5815	345	2	.	.	PUNCT
easat-5815	345	3	analyzing	analyze	VERB
easat-5815	345	4	inter	inter	ADJ
easat-5815	345	5	variable	variable	ADJ
easat-5815	345	6	correlations	correlation	NOUN
easat-5815	345	7	:	:	PUNCT
easat-5815	345	8	insights	insight	NOUN
easat-5815	345	9	from	from	ADP
easat-5815	345	10	the	the	DET
easat-5815	345	11	study	study	NOUN
easat-5815	345	12	findings	finding	VERB
easat-5815	345	13	this	this	DET
easat-5815	345	14	comprehensive	comprehensive	ADJ
easat-5815	345	15	analysis	analysis	NOUN
easat-5815	345	16	highlights	highlight	VERB
easat-5815	345	17	several	several	ADJ
easat-5815	345	18	key	key	ADJ
easat-5815	345	19	findings	finding	NOUN
easat-5815	345	20	regarding	regard	VERB
easat-5815	345	21	the	the	DET
easat-5815	345	22	relationships	relationship	NOUN
easat-5815	345	23	between	between	ADP
easat-5815	345	24	financing	financing	NOUN
easat-5815	345	25	,	,	PUNCT
easat-5815	345	26	risk	risk	NOUN
easat-5815	345	27	management	management	NOUN
easat-5815	345	28	,	,	PUNCT
easat-5815	345	29	operating	operating	NOUN
easat-5815	345	30	costs	cost	NOUN
easat-5815	345	31	,	,	PUNCT
easat-5815	345	32	and	and	CCONJ
easat-5815	345	33	financial	financial	ADJ
easat-5815	345	34	performance	performance	NOUN
easat-5815	345	35	in	in	ADP
easat-5815	345	36	islamic	islamic	ADJ
easat-5815	345	37	banking	banking	NOUN
easat-5815	345	38	:	:	PUNCT
easat-5815	346	1	5.1.4.1	5.1.4.1	X
easat-5815	346	2	.	.	PUNCT
easat-5815	347	1	financing	financing	NOUN
easat-5815	347	2	,	,	PUNCT
easat-5815	347	3	risk	risk	NOUN
easat-5815	347	4	management	management	NOUN
easat-5815	347	5	,	,	PUNCT
easat-5815	347	6	and	and	CCONJ
easat-5815	347	7	financial	financial	ADJ
easat-5815	347	8	performance	performance	NOUN
easat-5815	347	9	impact	impact	NOUN
easat-5815	347	10	of	of	ADP
easat-5815	347	11	financing	financing	NOUN
easat-5815	347	12	on	on	ADP
easat-5815	347	13	risk	risk	NOUN
easat-5815	347	14	management	management	NOUN
easat-5815	347	15	:	:	PUNCT
easat-5815	347	16	financing	financing	NOUN
easat-5815	347	17	derived	derive	VERB
easat-5815	347	18	from	from	ADP
easat-5815	347	19	funding	funding	NOUN
easat-5815	347	20	has	have	VERB
easat-5815	347	21	a	a	DET
easat-5815	347	22	direct	direct	ADJ
easat-5815	347	23	impact	impact	NOUN
easat-5815	347	24	on	on	ADP
easat-5815	347	25	risk	risk	NOUN
easat-5815	347	26	management	management	NOUN
easat-5815	347	27	in	in	ADP
easat-5815	347	28	islamic	islamic	PROPN
easat-5815	347	29	bank	bank	PROPN
easat-5815	347	30	business	business	NOUN
easat-5815	347	31	units	unit	NOUN
easat-5815	347	32	because	because	SCONJ
easat-5815	347	33	it	it	PRON
easat-5815	347	34	involves	involve	VERB
easat-5815	347	35	fund	fund	NOUN
easat-5815	347	36	distribution	distribution	NOUN
easat-5815	347	37	,	,	PUNCT
easat-5815	347	38	risk	risk	NOUN
easat-5815	347	39	assessment	assessment	NOUN
easat-5815	347	40	,	,	PUNCT
easat-5815	347	41	and	and	CCONJ
easat-5815	347	42	potential	potential	ADJ
easat-5815	347	43	loss	loss	NOUN
easat-5815	347	44	mitigation	mitigation	NOUN
easat-5815	347	45	.	.	PUNCT
easat-5815	348	1	however	however	ADV
easat-5815	348	2	,	,	PUNCT
easat-5815	348	3	this	this	DET
easat-5815	348	4	study	study	NOUN
easat-5815	348	5	contrasts	contrast	VERB
easat-5815	348	6	with	with	ADP
easat-5815	348	7	prior	prior	ADJ
easat-5815	348	8	research	research	NOUN
easat-5815	348	9	of	of	ADP
easat-5815	348	10	lidyah	lidyah	NOUN
easat-5815	348	11	,	,	PUNCT
easat-5815	348	12	et	et	PROPN
easat-5815	348	13	al	al	PROPN
easat-5815	348	14	.	.	PUNCT
easat-5815	349	1	[	[	X
easat-5815	349	2	6	6	NUM
easat-5815	349	3	]	]	PUNCT
easat-5815	349	4	which	which	PRON
easat-5815	349	5	concluded	conclude	VERB
easat-5815	349	6	that	that	SCONJ
easat-5815	349	7	financing	financing	NOUN
easat-5815	349	8	on	on	ADP
easat-5815	349	9	funding	funding	NOUN
easat-5815	349	10	is	be	AUX
easat-5815	349	11	not	not	PART
easat-5815	349	12	affected	affect	VERB
easat-5815	349	13	by	by	ADP
easat-5815	349	14	non	non	ADJ
easat-5815	349	15	-	-	ADJ
easat-5815	349	16	performing	perform	VERB
easat-5815	349	17	finance	finance	NOUN
easat-5815	349	18	(	(	PUNCT
easat-5815	349	19	npf	npf	PROPN
easat-5815	349	20	)	)	PUNCT
easat-5815	349	21	.	.	PUNCT
easat-5815	350	1	proper	proper	ADJ
easat-5815	350	2	financing	financing	NOUN
easat-5815	350	3	aligned	align	VERB
easat-5815	350	4	with	with	ADP
easat-5815	350	5	sharia	sharia	PROPN
easat-5815	350	6	principles	principle	NOUN
easat-5815	350	7	helps	help	VERB
easat-5815	350	8	islamic	islamic	ADJ
easat-5815	350	9	banks	bank	NOUN
easat-5815	350	10	manage	manage	VERB
easat-5815	350	11	risks	risk	NOUN
easat-5815	350	12	(	(	PUNCT
easat-5815	350	13	e.g.	e.g.	ADV
easat-5815	350	14	,	,	PUNCT
easat-5815	350	15	credit	credit	NOUN
easat-5815	350	16	,	,	PUNCT
easat-5815	350	17	market	market	NOUN
easat-5815	350	18	,	,	PUNCT
easat-5815	350	19	and	and	CCONJ
easat-5815	350	20	liquidity	liquidity	NOUN
easat-5815	350	21	risks	risk	NOUN
easat-5815	350	22	)	)	PUNCT
easat-5815	350	23	and	and	CCONJ
easat-5815	350	24	build	build	VERB
easat-5815	350	25	a	a	DET
easat-5815	350	26	stable	stable	ADJ
easat-5815	350	27	portfolio	portfolio	NOUN
easat-5815	350	28	.	.	PUNCT
easat-5815	351	1	conversely	conversely	ADV
easat-5815	351	2	,	,	PUNCT
easat-5815	351	3	poorly	poorly	ADV
easat-5815	351	4	managed	manage	VERB
easat-5815	351	5	financing	financing	NOUN
easat-5815	351	6	increases	increase	VERB
easat-5815	351	7	the	the	DET
easat-5815	351	8	risks	risk	NOUN
easat-5815	351	9	faced	face	VERB
easat-5815	351	10	by	by	ADP
easat-5815	351	11	banks	bank	NOUN
easat-5815	351	12	.	.	PUNCT
easat-5815	352	1	within	within	ADP
easat-5815	352	2	the	the	DET
easat-5815	352	3	islamic	islamic	ADJ
easat-5815	352	4	finance	finance	NOUN
easat-5815	352	5	framework	framework	NOUN
easat-5815	352	6	,	,	PUNCT
easat-5815	352	7	financial	financial	ADJ
easat-5815	352	8	derivatives	derivative	NOUN
easat-5815	352	9	must	must	AUX
easat-5815	352	10	be	be	AUX
easat-5815	352	11	free	free	ADJ
easat-5815	352	12	from	from	ADP
easat-5815	352	13	speculation	speculation	NOUN
easat-5815	352	14	,	,	PUNCT
easat-5815	352	15	gambling	gambling	NOUN
easat-5815	352	16	,	,	PUNCT
easat-5815	352	17	and	and	CCONJ
easat-5815	352	18	excessive	excessive	ADJ
easat-5815	352	19	uncertainty	uncertainty	NOUN
easat-5815	352	20	,	,	PUNCT
easat-5815	352	21	allowing	allow	VERB
easat-5815	352	22	for	for	ADP
easat-5815	352	23	applications	application	NOUN
easat-5815	352	24	that	that	PRON
easat-5815	352	25	meet	meet	VERB
easat-5815	352	26	islamic	islamic	ADJ
easat-5815	352	27	ethical	ethical	ADJ
easat-5815	352	28	standards	standard	NOUN
easat-5815	352	29	and	and	CCONJ
easat-5815	352	30	facilitate	facilitate	VERB
easat-5815	352	31	effective	effective	ADJ
easat-5815	352	32	risk	risk	NOUN
easat-5815	352	33	management	management	NOUN
easat-5815	352	34	in	in	ADP
easat-5815	352	35	islamic	islamic	ADJ
easat-5815	352	36	banking	banking	NOUN
easat-5815	352	37	.	.	PUNCT
easat-5815	353	1	the	the	DET
easat-5815	353	2	prohibition	prohibition	NOUN
easat-5815	353	3	on	on	ADP
easat-5815	353	4	speculative	speculative	ADJ
easat-5815	353	5	activities	activity	NOUN
easat-5815	353	6	in	in	ADP
easat-5815	353	7	islamic	islamic	ADJ
easat-5815	353	8	banking	banking	NOUN
easat-5815	353	9	research	research	NOUN
easat-5815	353	10	by	by	ADP
easat-5815	353	11	uluyol	uluyol	NOUN
easat-5815	353	12	[	[	X
easat-5815	353	13	12	12	NUM
easat-5815	353	14	]	]	PUNCT
easat-5815	353	15	underscores	underscore	VERB
easat-5815	353	16	the	the	DET
easat-5815	353	17	importance	importance	NOUN
easat-5815	353	18	of	of	ADP
easat-5815	353	19	eliminating	eliminate	VERB
easat-5815	353	20	harmful	harmful	ADJ
easat-5815	353	21	elements	element	NOUN
easat-5815	353	22	,	,	PUNCT
easat-5815	353	23	facilitating	facilitate	VERB
easat-5815	353	24	effective	effective	ADJ
easat-5815	353	25	risk	risk	NOUN
easat-5815	353	26	management	management	NOUN
easat-5815	353	27	and	and	CCONJ
easat-5815	353	28	adherence	adherence	NOUN
easat-5815	353	29	to	to	ADP
easat-5815	353	30	islamic	islamic	ADJ
easat-5815	353	31	ethical	ethical	ADJ
easat-5815	353	32	principles	principle	NOUN
easat-5815	353	33	.	.	PUNCT
easat-5815	354	1	financing	financing	NOUN
easat-5815	354	2	and	and	CCONJ
easat-5815	354	3	financial	financial	ADJ
easat-5815	354	4	performance	performance	NOUN
easat-5815	354	5	:	:	PUNCT
easat-5815	354	6	proper	proper	ADJ
easat-5815	354	7	financing	financing	NOUN
easat-5815	354	8	has	have	VERB
easat-5815	354	9	a	a	DET
easat-5815	354	10	significant	significant	ADJ
easat-5815	354	11	influence	influence	NOUN
easat-5815	354	12	on	on	ADP
easat-5815	354	13	financial	financial	ADJ
easat-5815	354	14	performance	performance	NOUN
easat-5815	354	15	,	,	PUNCT
easat-5815	354	16	as	as	SCONJ
easat-5815	354	17	funds	fund	NOUN
easat-5815	354	18	generate	generate	VERB
easat-5815	354	19	income	income	NOUN
easat-5815	354	20	through	through	ADP
easat-5815	354	21	profit	profit	NOUN
easat-5815	354	22	margins	margin	NOUN
easat-5815	354	23	(	(	PUNCT
easat-5815	354	24	e.g.	e.g.	ADV
easat-5815	354	25	,	,	PUNCT
easat-5815	354	26	murabaha	murabaha	NOUN
easat-5815	354	27	)	)	PUNCT
easat-5815	354	28	or	or	CCONJ
easat-5815	354	29	profit	profit	NOUN
easat-5815	354	30	sharing	sharing	NOUN
easat-5815	354	31	(	(	PUNCT
easat-5815	354	32	e.g.	e.g.	ADV
easat-5815	354	33	,	,	PUNCT
easat-5815	354	34	mudharaba	mudharaba	NOUN
easat-5815	354	35	and	and	CCONJ
easat-5815	354	36	musyaraka	musyaraka	ADJ
easat-5815	354	37	)	)	PUNCT
easat-5815	354	38	.	.	PUNCT
easat-5815	355	1	this	this	DET
easat-5815	355	2	diversification	diversification	NOUN
easat-5815	355	3	contributes	contribute	VERB
easat-5815	355	4	to	to	ADP
easat-5815	355	5	profitability	profitability	NOUN
easat-5815	355	6	and	and	CCONJ
easat-5815	355	7	financial	financial	ADJ
easat-5815	355	8	stability	stability	NOUN
easat-5815	355	9	.	.	PUNCT
easat-5815	356	1	effective	effective	ADJ
easat-5815	356	2	risk	risk	NOUN
easat-5815	356	3	management	management	NOUN
easat-5815	356	4	mediates	mediate	VERB
easat-5815	356	5	this	this	DET
easat-5815	356	6	relationship	relationship	NOUN
easat-5815	356	7	,	,	PUNCT
easat-5815	356	8	enabling	enable	VERB
easat-5815	356	9	banks	bank	NOUN
easat-5815	356	10	to	to	PART
easat-5815	356	11	optimize	optimize	VERB
easat-5815	356	12	financial	financial	ADJ
easat-5815	356	13	performance	performance	NOUN
easat-5815	356	14	while	while	SCONJ
easat-5815	356	15	minimizing	minimize	VERB
easat-5815	356	16	excessive	excessive	ADJ
easat-5815	356	17	risks	risk	NOUN
easat-5815	356	18	.	.	PUNCT
easat-5815	357	1	5.1.4.2	5.1.4.2	X
easat-5815	357	2	.	.	PUNCT
easat-5815	357	3	operating	operating	NOUN
easat-5815	357	4	costs	cost	NOUN
easat-5815	357	5	(	(	PUNCT
easat-5815	357	6	ocoi	ocoi	ADJ
easat-5815	357	7	)	)	PUNCT
easat-5815	357	8	and	and	CCONJ
easat-5815	357	9	financial	financial	ADJ
easat-5815	357	10	performance	performance	NOUN
easat-5815	357	11	ocoi	ocoi	NOUN
easat-5815	357	12	and	and	CCONJ
easat-5815	357	13	risk	risk	NOUN
easat-5815	357	14	management	management	NOUN
easat-5815	357	15	:	:	PUNCT
easat-5815	357	16	the	the	DET
easat-5815	357	17	results	result	NOUN
easat-5815	357	18	show	show	VERB
easat-5815	357	19	that	that	SCONJ
easat-5815	357	20	operating	operating	NOUN
easat-5815	357	21	costs	cost	NOUN
easat-5815	357	22	to	to	ADP
easat-5815	357	23	operating	operate	VERB
easat-5815	357	24	income	income	NOUN
easat-5815	357	25	(	(	PUNCT
easat-5815	357	26	ocoi	ocoi	NOUN
easat-5815	357	27	)	)	PUNCT
easat-5815	357	28	do	do	AUX
easat-5815	357	29	not	not	PART
easat-5815	357	30	significantly	significantly	ADV
easat-5815	357	31	affect	affect	VERB
easat-5815	357	32	risk	risk	NOUN
easat-5815	357	33	management	management	NOUN
easat-5815	357	34	.	.	PUNCT
easat-5815	358	1	while	while	SCONJ
easat-5815	358	2	ocoi	ocoi	NOUN
easat-5815	358	3	reflects	reflect	VERB
easat-5815	358	4	operational	operational	ADJ
easat-5815	358	5	efficiency	efficiency	NOUN
easat-5815	358	6	,	,	PUNCT
easat-5815	358	7	risk	risk	NOUN
easat-5815	358	8	management	management	NOUN
easat-5815	358	9	is	be	AUX
easat-5815	358	10	driven	drive	VERB
easat-5815	358	11	by	by	ADP
easat-5815	358	12	credit	credit	NOUN
easat-5815	358	13	risk	risk	NOUN
easat-5815	358	14	assessments	assessment	NOUN
easat-5815	358	15	,	,	PUNCT
easat-5815	358	16	market	market	NOUN
easat-5815	358	17	risks	risk	NOUN
easat-5815	358	18	,	,	PUNCT
easat-5815	358	19	and	and	CCONJ
easat-5815	358	20	external	external	ADJ
easat-5815	358	21	factors	factor	NOUN
easat-5815	358	22	rather	rather	ADV
easat-5815	358	23	than	than	ADP
easat-5815	358	24	cost	cost	NOUN
easat-5815	358	25	efficiency	efficiency	NOUN
easat-5815	358	26	.	.	PUNCT
easat-5815	359	1	some	some	DET
easat-5815	359	2	islamic	islamic	PROPN
easat-5815	359	3	bank	bank	PROPN
easat-5815	359	4	units	unit	NOUN
easat-5815	359	5	with	with	ADP
easat-5815	359	6	high	high	ADJ
easat-5815	359	7	ocoi	ocoi	NOUN
easat-5815	359	8	(	(	PUNCT
easat-5815	359	9	inefficiency	inefficiency	NOUN
easat-5815	359	10	)	)	PUNCT
easat-5815	359	11	can	can	AUX
easat-5815	359	12	still	still	ADV
easat-5815	359	13	maintain	maintain	VERB
easat-5815	359	14	robust	robust	ADJ
easat-5815	359	15	risk	risk	NOUN
easat-5815	359	16	management	management	NOUN
easat-5815	359	17	if	if	SCONJ
easat-5815	359	18	internal	internal	ADJ
easat-5815	359	19	policies	policy	NOUN
easat-5815	359	20	are	be	AUX
easat-5815	359	21	well	well	ADV
easat-5815	359	22	-	-	PUNCT
easat-5815	359	23	implemented	implement	VERB
easat-5815	359	24	.	.	PUNCT
easat-5815	360	1	a	a	DET
easat-5815	360	2	study	study	NOUN
easat-5815	360	3	of	of	ADP
easat-5815	360	4	bani	bani	PROPN
easat-5815	360	5	yousef	yousef	PROPN
easat-5815	360	6	,	,	PUNCT
easat-5815	360	7	et	et	PROPN
easat-5815	360	8	al	al	PROPN
easat-5815	360	9	.	.	PUNCT
easat-5815	361	1	[	[	X
easat-5815	361	2	13	13	NUM
easat-5815	361	3	]	]	PUNCT
easat-5815	361	4	reveals	reveal	VERB
easat-5815	361	5	their	their	PRON
easat-5815	361	6	research	research	NOUN
easat-5815	361	7	findings	finding	NOUN
easat-5815	361	8	suggest	suggest	VERB
easat-5815	361	9	that	that	SCONJ
easat-5815	361	10	operational	operational	ADJ
easat-5815	361	11	risk	risk	NOUN
easat-5815	361	12	has	have	VERB
easat-5815	361	13	a	a	DET
easat-5815	361	14	detrimental	detrimental	ADJ
easat-5815	361	15	impact	impact	NOUN
easat-5815	361	16	on	on	ADP
easat-5815	361	17	the	the	DET
easat-5815	361	18	financial	financial	ADJ
easat-5815	361	19	performance	performance	NOUN
easat-5815	361	20	of	of	ADP
easat-5815	361	21	islamic	islamic	ADJ
easat-5815	361	22	banks	bank	NOUN
easat-5815	361	23	in	in	ADP
easat-5815	361	24	the	the	DET
easat-5815	361	25	mena	mena	PROPN
easat-5815	361	26	region	region	PROPN
easat-5815	361	27	,	,	PUNCT
easat-5815	361	28	including	include	VERB
easat-5815	361	29	key	key	ADJ
easat-5815	361	30	metrics	metric	NOUN
easat-5815	361	31	such	such	ADJ
easat-5815	361	32	as	as	ADP
easat-5815	361	33	return	return	NOUN
easat-5815	361	34	on	on	ADP
easat-5815	361	35	assets	asset	NOUN
easat-5815	361	36	,	,	PUNCT
easat-5815	361	37	return	return	VERB
easat-5815	361	38	on	on	ADP
easat-5815	361	39	equity	equity	NOUN
easat-5815	361	40	,	,	PUNCT
easat-5815	361	41	and	and	CCONJ
easat-5815	361	42	net	net	ADJ
easat-5815	361	43	interest	interest	NOUN
easat-5815	361	44	margin	margin	NOUN
easat-5815	361	45	.	.	PUNCT
easat-5815	362	1	larger	large	ADJ
easat-5815	362	2	banks	bank	NOUN
easat-5815	362	3	tend	tend	VERB
easat-5815	362	4	to	to	PART
easat-5815	362	5	have	have	VERB
easat-5815	362	6	lower	low	ADJ
easat-5815	362	7	operational	operational	ADJ
easat-5815	362	8	risk	risk	NOUN
easat-5815	362	9	as	as	SCONJ
easat-5815	362	10	they	they	PRON
easat-5815	362	11	can	can	AUX
easat-5815	362	12	better	well	ADV
easat-5815	362	13	diversify	diversify	VERB
easat-5815	362	14	their	their	PRON
easat-5815	362	15	operations	operation	NOUN
easat-5815	362	16	.	.	PUNCT
easat-5815	363	1	ocoi	ocoi	NOUN
easat-5815	363	2	and	and	CCONJ
easat-5815	363	3	financial	financial	ADJ
easat-5815	363	4	performance	performance	NOUN
easat-5815	363	5	:	:	PUNCT
easat-5815	363	6	statistical	statistical	ADJ
easat-5815	363	7	analysis	analysis	NOUN
easat-5815	363	8	indicates	indicate	VERB
easat-5815	363	9	that	that	SCONJ
easat-5815	363	10	ocoi	ocoi	NOUN
easat-5815	363	11	significantly	significantly	ADV
easat-5815	363	12	impacts	impact	VERB
easat-5815	363	13	financial	financial	ADJ
easat-5815	363	14	performance	performance	NOUN
easat-5815	363	15	.	.	PUNCT
easat-5815	364	1	lower	low	ADJ
easat-5815	364	2	ocoi	ocoi	ADJ
easat-5815	364	3	ratios	ratio	NOUN
easat-5815	364	4	signify	signify	VERB
easat-5815	364	5	better	well	ADJ
easat-5815	364	6	operational	operational	ADJ
easat-5815	364	7	management	management	NOUN
easat-5815	364	8	,	,	PUNCT
easat-5815	364	9	resulting	result	VERB
easat-5815	364	10	in	in	ADP
easat-5815	364	11	higher	high	ADJ
easat-5815	364	12	profitability	profitability	NOUN
easat-5815	364	13	and	and	CCONJ
easat-5815	364	14	financial	financial	ADJ
easat-5815	364	15	stability	stability	NOUN
easat-5815	364	16	.	.	PUNCT
easat-5815	365	1	effective	effective	ADJ
easat-5815	365	2	operational	operational	ADJ
easat-5815	365	3	cost	cost	NOUN
easat-5815	365	4	management	management	NOUN
easat-5815	365	5	helps	help	VERB
easat-5815	365	6	islamic	islamic	ADJ
easat-5815	365	7	banks	bank	NOUN
easat-5815	365	8	reduce	reduce	VERB
easat-5815	365	9	waste	waste	NOUN
easat-5815	365	10	,	,	PUNCT
easat-5815	365	11	strengthen	strengthen	VERB
easat-5815	365	12	liquidity	liquidity	NOUN
easat-5815	365	13	,	,	PUNCT
easat-5815	365	14	and	and	CCONJ
easat-5815	365	15	attract	attract	VERB
easat-5815	365	16	investor	investor	NOUN
easat-5815	365	17	confidence	confidence	NOUN
easat-5815	365	18	.	.	PUNCT
easat-5815	366	1	on	on	ADP
easat-5815	366	2	the	the	DET
easat-5815	366	3	other	other	ADJ
easat-5815	366	4	hand	hand	NOUN
easat-5815	366	5	,	,	PUNCT
easat-5815	366	6	high	high	ADJ
easat-5815	366	7	ocoi	ocoi	NOUN
easat-5815	366	8	ratios	ratio	NOUN
easat-5815	366	9	reflect	reflect	VERB
easat-5815	366	10	inefficiencies	inefficiency	NOUN
easat-5815	366	11	,	,	PUNCT
easat-5815	366	12	which	which	PRON
easat-5815	366	13	can	can	AUX
easat-5815	366	14	undermine	undermine	VERB
easat-5815	366	15	performance	performance	NOUN
easat-5815	366	16	of	of	ADP
easat-5815	366	17	finance	finance	NOUN
easat-5815	366	18	.	.	PUNCT
easat-5815	367	1	5.1.4.3	5.1.4.3	X
easat-5815	367	2	.	.	PUNCT
easat-5815	367	3	risk	risk	NOUN
easat-5815	367	4	management	management	NOUN
easat-5815	367	5	and	and	CCONJ
easat-5815	367	6	financial	financial	ADJ
easat-5815	367	7	performance	performance	NOUN
easat-5815	367	8	risk	risk	NOUN
easat-5815	367	9	management	management	NOUN
easat-5815	367	10	strategies	strategy	NOUN
easat-5815	367	11	significantly	significantly	ADV
easat-5815	367	12	contribute	contribute	VERB
easat-5815	367	13	to	to	ADP
easat-5815	367	14	enhanced	enhanced	ADJ
easat-5815	367	15	financial	financial	ADJ
easat-5815	367	16	performance	performance	NOUN
easat-5815	367	17	through	through	ADP
easat-5815	367	18	risk	risk	NOUN
easat-5815	367	19	mitigation	mitigation	NOUN
easat-5815	367	20	such	such	ADJ
easat-5815	367	21	as	as	ADP
easat-5815	367	22	npf	npf	NOUN
easat-5815	367	23	,	,	PUNCT
easat-5815	367	24	credit	credit	NOUN
easat-5815	367	25	risks	risk	NOUN
easat-5815	367	26	,	,	PUNCT
easat-5815	367	27	and	and	CCONJ
easat-5815	367	28	market	market	NOUN
easat-5815	367	29	uncertainties	uncertainty	NOUN
easat-5815	367	30	.	.	PUNCT
easat-5815	368	1	effective	effective	ADJ
easat-5815	368	2	risk	risk	NOUN
easat-5815	368	3	management	management	NOUN
easat-5815	368	4	not	not	PART
easat-5815	368	5	only	only	ADV
easat-5815	368	6	safeguards	safeguard	NOUN
easat-5815	368	7	against	against	ADP
easat-5815	368	8	financial	financial	ADJ
easat-5815	368	9	losses	loss	NOUN
easat-5815	368	10	but	but	CCONJ
easat-5815	368	11	also	also	ADV
easat-5815	368	12	drives	drive	VERB
easat-5815	368	13	long	long	ADJ
easat-5815	368	14	-	-	PUNCT
easat-5815	368	15	term	term	NOUN
easat-5815	368	16	growth	growth	NOUN
easat-5815	368	17	and	and	CCONJ
easat-5815	368	18	stability	stability	NOUN
easat-5815	368	19	.	.	PUNCT
easat-5815	369	1	2430	2430	NUM
easat-5815	369	2	edelweiss	edelweiss	PROPN
easat-5815	369	3	applied	apply	VERB
easat-5815	369	4	science	science	NOUN
easat-5815	369	5	and	and	CCONJ
easat-5815	369	6	technology	technology	NOUN
easat-5815	369	7	issn	issn	PROPN
easat-5815	369	8	:	:	PUNCT
easat-5815	369	9	2576	2576	NUM
easat-5815	369	10	-	-	SYM
easat-5815	369	11	8484	8484	NUM
easat-5815	369	12	vol	vol	NOUN
easat-5815	369	13	.	.	PROPN
easat-5815	370	1	9	9	NUM
easat-5815	370	2	,	,	PUNCT
easat-5815	370	3	no	no	INTJ
easat-5815	370	4	.	.	NOUN
easat-5815	371	1	3	3	NUM
easat-5815	371	2	:	:	SYM
easat-5815	371	3	2413	2413	NUM
easat-5815	371	4	-	-	SYM
easat-5815	371	5	2434	2434	NUM
easat-5815	371	6	,	,	PUNCT
easat-5815	371	7	2025	2025	NUM
easat-5815	371	8	doi	doi	NOUN
easat-5815	371	9	:	:	PUNCT
easat-5815	371	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	371	11	©	©	PROPN
easat-5815	371	12	2025	2025	NUM
easat-5815	371	13	by	by	ADP
easat-5815	371	14	the	the	DET
easat-5815	371	15	author	author	NOUN
easat-5815	371	16	;	;	PUNCT
easat-5815	371	17	licensee	licensee	PROPN
easat-5815	371	18	learning	learning	NOUN
easat-5815	371	19	gate	gate	VERB
easat-5815	371	20	the	the	DET
easat-5815	371	21	analysis	analysis	NOUN
easat-5815	371	22	reveals	reveal	VERB
easat-5815	371	23	that	that	SCONJ
easat-5815	371	24	risk	risk	NOUN
easat-5815	371	25	management	management	NOUN
easat-5815	371	26	practices	practice	NOUN
easat-5815	371	27	(	(	PUNCT
easat-5815	371	28	rmp	rmp	PROPN
easat-5815	371	29	)	)	PUNCT
easat-5815	371	30	significantly	significantly	ADV
easat-5815	371	31	influence	influence	VERB
easat-5815	371	32	financial	financial	ADJ
easat-5815	371	33	performance	performance	NOUN
easat-5815	371	34	(	(	PUNCT
easat-5815	371	35	fp	fp	NOUN
easat-5815	371	36	)	)	PUNCT
easat-5815	371	37	,	,	PUNCT
easat-5815	371	38	with	with	ADP
easat-5815	371	39	digitalization	digitalization	NOUN
easat-5815	371	40	playing	play	VERB
easat-5815	371	41	a	a	DET
easat-5815	371	42	mediating	mediate	VERB
easat-5815	371	43	role	role	NOUN
easat-5815	371	44	.	.	PUNCT
easat-5815	372	1	research	research	NOUN
easat-5815	372	2	of	of	ADP
easat-5815	372	3	afgani	afgani	PROPN
easat-5815	372	4	,	,	PUNCT
easat-5815	372	5	et	et	PROPN
easat-5815	372	6	al	al	PROPN
easat-5815	372	7	.	.	PUNCT
easat-5815	373	1	[	[	X
easat-5815	373	2	14	14	NUM
easat-5815	373	3	]	]	PUNCT
easat-5815	373	4	shows	show	VERB
easat-5815	373	5	that	that	SCONJ
easat-5815	373	6	rmp	rmp	PROPN
easat-5815	373	7	substantially	substantially	ADV
easat-5815	373	8	enhances	enhance	VERB
easat-5815	373	9	the	the	DET
easat-5815	373	10	financial	financial	ADJ
easat-5815	373	11	performance	performance	NOUN
easat-5815	373	12	of	of	ADP
easat-5815	373	13	sharia	sharia	NOUN
easat-5815	373	14	-	-	PUNCT
easat-5815	373	15	compliant	compliant	ADJ
easat-5815	373	16	banking	banking	NOUN
easat-5815	373	17	institutions	institution	NOUN
easat-5815	373	18	.	.	PUNCT
easat-5815	374	1	this	this	PRON
easat-5815	374	2	underscores	underscore	VERB
easat-5815	374	3	the	the	DET
easat-5815	374	4	need	need	NOUN
easat-5815	374	5	for	for	ADP
easat-5815	374	6	skilled	skilled	ADJ
easat-5815	374	7	risk	risk	NOUN
easat-5815	374	8	management	management	NOUN
easat-5815	374	9	as	as	ADP
easat-5815	374	10	a	a	DET
easat-5815	374	11	crucial	crucial	ADJ
easat-5815	374	12	factor	factor	NOUN
easat-5815	374	13	in	in	ADP
easat-5815	374	14	optimizing	optimize	VERB
easat-5815	374	15	financial	financial	ADJ
easat-5815	374	16	outcomes	outcome	NOUN
easat-5815	374	17	for	for	ADP
easat-5815	374	18	organizations	organization	NOUN
easat-5815	374	19	.	.	PUNCT
easat-5815	375	1	furthermore	furthermore	ADV
easat-5815	375	2	,	,	PUNCT
easat-5815	375	3	this	this	DET
easat-5815	375	4	study	study	NOUN
easat-5815	375	5	emphasizes	emphasize	VERB
easat-5815	375	6	that	that	SCONJ
easat-5815	375	7	implementing	implement	VERB
easat-5815	375	8	strong	strong	ADJ
easat-5815	375	9	risk	risk	NOUN
easat-5815	375	10	management	management	NOUN
easat-5815	375	11	practices	practice	NOUN
easat-5815	375	12	is	be	AUX
easat-5815	375	13	vital	vital	ADJ
easat-5815	375	14	for	for	ADP
easat-5815	375	15	improving	improve	VERB
easat-5815	375	16	financial	financial	ADJ
easat-5815	375	17	performance	performance	NOUN
easat-5815	375	18	in	in	ADP
easat-5815	375	19	islamic	islamic	ADJ
easat-5815	375	20	banks	bank	NOUN
easat-5815	375	21	,	,	PUNCT
easat-5815	375	22	while	while	SCONJ
easat-5815	375	23	also	also	ADV
easat-5815	375	24	highlighting	highlight	VERB
easat-5815	375	25	the	the	DET
easat-5815	375	26	critical	critical	ADJ
easat-5815	375	27	role	role	NOUN
easat-5815	375	28	that	that	PRON
easat-5815	375	29	rmp	rmp	PROPN
easat-5815	375	30	plays	play	VERB
easat-5815	375	31	in	in	ADP
easat-5815	375	32	maintaining	maintain	VERB
easat-5815	375	33	the	the	DET
easat-5815	375	34	stability	stability	NOUN
easat-5815	375	35	and	and	CCONJ
easat-5815	375	36	profitability	profitability	NOUN
easat-5815	375	37	of	of	ADP
easat-5815	375	38	financial	financial	ADJ
easat-5815	375	39	entities	entity	NOUN
easat-5815	375	40	.	.	PUNCT
easat-5815	376	1	on	on	ADP
easat-5815	376	2	the	the	DET
easat-5815	376	3	research	research	NOUN
easat-5815	376	4	of	of	ADP
easat-5815	376	5	lidyah	lidyah	NOUN
easat-5815	376	6	,	,	PUNCT
easat-5815	376	7	et	et	PROPN
easat-5815	376	8	al	al	PROPN
easat-5815	376	9	.	.	PUNCT
easat-5815	377	1	[	[	X
easat-5815	377	2	6	6	NUM
easat-5815	377	3	]	]	PUNCT
easat-5815	377	4	and	and	CCONJ
easat-5815	377	5	elena	elena	NOUN
easat-5815	377	6	and	and	CCONJ
easat-5815	377	7	nurwahidin	nurwahidin	ADJ
easat-5815	377	8	[	[	X
easat-5815	377	9	7	7	NUM
easat-5815	377	10	]	]	PUNCT
easat-5815	377	11	suggests	suggest	VERB
easat-5815	377	12	that	that	SCONJ
easat-5815	377	13	nonperforming	nonperforme	VERB
easat-5815	377	14	financing	financing	NOUN
easat-5815	377	15	(	(	PUNCT
easat-5815	377	16	npf	npf	NOUN
easat-5815	377	17	)	)	PUNCT
easat-5815	377	18	has	have	VERB
easat-5815	377	19	a	a	DET
easat-5815	377	20	detrimental	detrimental	ADJ
easat-5815	377	21	impact	impact	NOUN
easat-5815	377	22	on	on	ADP
easat-5815	377	23	financial	financial	ADJ
easat-5815	377	24	performance	performance	NOUN
easat-5815	377	25	indicators	indicator	NOUN
easat-5815	377	26	,	,	PUNCT
easat-5815	377	27	including	include	VERB
easat-5815	377	28	roa	roa	NOUN
easat-5815	377	29	and	and	CCONJ
easat-5815	377	30	revenue	revenue	NOUN
easat-5815	377	31	,	,	PUNCT
easat-5815	377	32	other	other	ADJ
easat-5815	377	33	studies	study	NOUN
easat-5815	377	34	on	on	ADP
easat-5815	377	35	halim	halim	PROPN
easat-5815	377	36	and	and	CCONJ
easat-5815	377	37	buana	buana	PROPN
easat-5815	378	1	[	[	X
easat-5815	378	2	4	4	X
easat-5815	378	3	]	]	PUNCT
easat-5815	378	4	concluded	conclude	VERB
easat-5815	378	5	that	that	SCONJ
easat-5815	378	6	npf	npf	PROPN
easat-5815	378	7	does	do	AUX
easat-5815	378	8	not	not	PART
easat-5815	378	9	significantly	significantly	ADV
easat-5815	378	10	influence	influence	VERB
easat-5815	378	11	financial	financial	ADJ
easat-5815	378	12	performance	performance	NOUN
easat-5815	378	13	.	.	PUNCT
easat-5815	379	1	this	this	DET
easat-5815	379	2	discrepancy	discrepancy	NOUN
easat-5815	379	3	underscores	underscore	VERB
easat-5815	379	4	the	the	DET
easat-5815	379	5	need	need	NOUN
easat-5815	379	6	for	for	SCONJ
easat-5815	379	7	islamic	islamic	ADJ
easat-5815	379	8	banking	banking	NOUN
easat-5815	379	9	units	unit	NOUN
easat-5815	379	10	to	to	PART
easat-5815	379	11	adopt	adopt	VERB
easat-5815	379	12	systematic	systematic	ADJ
easat-5815	379	13	risk	risk	NOUN
easat-5815	379	14	identification	identification	NOUN
easat-5815	379	15	,	,	PUNCT
easat-5815	379	16	evaluation	evaluation	NOUN
easat-5815	379	17	,	,	PUNCT
easat-5815	379	18	and	and	CCONJ
easat-5815	379	19	mitigation	mitigation	NOUN
easat-5815	379	20	strategies	strategy	NOUN
easat-5815	379	21	to	to	PART
easat-5815	379	22	maintain	maintain	VERB
easat-5815	379	23	financial	financial	ADJ
easat-5815	379	24	stability	stability	NOUN
easat-5815	379	25	.	.	PUNCT
easat-5815	380	1	5.1.4.4	5.1.4.4	NUM
easat-5815	380	2	.	.	PUNCT
easat-5815	381	1	contrasting	contrast	VERB
easat-5815	381	2	and	and	CCONJ
easat-5815	381	3	supporting	support	VERB
easat-5815	381	4	evidence	evidence	NOUN
easat-5815	381	5	fdr	fdr	PROPN
easat-5815	381	6	and	and	CCONJ
easat-5815	381	7	financial	financial	ADJ
easat-5815	381	8	performance	performance	NOUN
easat-5815	381	9	:	:	PUNCT
easat-5815	381	10	research	research	NOUN
easat-5815	381	11	by	by	ADP
easat-5815	381	12	elena	elena	NOUN
easat-5815	381	13	and	and	CCONJ
easat-5815	381	14	nurwahidin	nurwahidin	ADJ
easat-5815	381	15	[	[	X
easat-5815	381	16	7	7	NUM
easat-5815	381	17	]	]	PUNCT
easat-5815	381	18	discovered	discover	VERB
easat-5815	381	19	a	a	DET
easat-5815	381	20	positive	positive	ADJ
easat-5815	381	21	correlation	correlation	NOUN
easat-5815	381	22	an	an	DET
easat-5815	381	23	analysis	analysis	NOUN
easat-5815	381	24	of	of	ADP
easat-5815	381	25	the	the	DET
easat-5815	381	26	correlation	correlation	NOUN
easat-5815	381	27	between	between	ADP
easat-5815	381	28	significant	significant	ADJ
easat-5815	381	29	relationship	relationship	NOUN
easat-5815	381	30	exists	exist	VERB
easat-5815	381	31	between	between	ADP
easat-5815	381	32	financing	financing	NOUN
easat-5815	381	33	to	to	PART
easat-5815	381	34	deposit	deposit	VERB
easat-5815	381	35	ratio	ratio	NOUN
easat-5815	381	36	(	(	PUNCT
easat-5815	381	37	fdr	fdr	PROPN
easat-5815	381	38	)	)	PUNCT
easat-5815	381	39	and	and	CCONJ
easat-5815	381	40	return	return	VERB
easat-5815	381	41	on	on	ADP
easat-5815	381	42	assets	asset	NOUN
easat-5815	381	43	(	(	PUNCT
easat-5815	381	44	roa	roa	NOUN
easat-5815	381	45	)	)	PUNCT
easat-5815	381	46	is	be	AUX
easat-5815	381	47	conducted	conduct	VERB
easat-5815	381	48	,	,	PUNCT
easat-5815	381	49	indicating	indicate	VERB
easat-5815	381	50	fdr	fdr	PROPN
easat-5815	381	51	's	's	PART
easat-5815	381	52	significant	significant	ADJ
easat-5815	381	53	impact	impact	NOUN
easat-5815	381	54	on	on	ADP
easat-5815	381	55	financial	financial	ADJ
easat-5815	381	56	performance	performance	NOUN
easat-5815	381	57	.	.	PUNCT
easat-5815	382	1	however	however	ADV
easat-5815	382	2	,	,	PUNCT
easat-5815	382	3	a	a	DET
easat-5815	382	4	study	study	NOUN
easat-5815	382	5	by	by	ADP
easat-5815	382	6	halim	halim	PROPN
easat-5815	382	7	and	and	CCONJ
easat-5815	382	8	buana	buana	PROPN
easat-5815	383	1	[	[	X
easat-5815	383	2	4	4	X
easat-5815	383	3	]	]	PUNCT
easat-5815	383	4	concluded	conclude	VERB
easat-5815	383	5	otherwise	otherwise	ADV
easat-5815	383	6	,	,	PUNCT
easat-5815	383	7	the	the	DET
easat-5815	383	8	study	study	NOUN
easat-5815	383	9	reveals	reveal	VERB
easat-5815	383	10	no	no	DET
easat-5815	383	11	statistically	statistically	ADV
easat-5815	383	12	significant	significant	ADJ
easat-5815	383	13	relationship	relationship	NOUN
easat-5815	383	14	between	between	ADP
easat-5815	383	15	financing	financing	NOUN
easat-5815	383	16	to	to	PART
easat-5815	383	17	deposit	deposit	VERB
easat-5815	383	18	ratio	ratio	NOUN
easat-5815	383	19	(	(	PUNCT
easat-5815	383	20	fdr	fdr	PROPN
easat-5815	383	21	)	)	PUNCT
easat-5815	383	22	and	and	CCONJ
easat-5815	383	23	financial	financial	ADJ
easat-5815	383	24	performance	performance	NOUN
easat-5815	383	25	.	.	PUNCT
easat-5815	384	1	this	this	PRON
easat-5815	384	2	suggests	suggest	VERB
easat-5815	384	3	that	that	SCONJ
easat-5815	384	4	the	the	DET
easat-5815	384	5	relationship	relationship	NOUN
easat-5815	384	6	between	between	ADP
easat-5815	384	7	financing	finance	VERB
easat-5815	384	8	structures	structure	NOUN
easat-5815	384	9	and	and	CCONJ
easat-5815	384	10	financial	financial	ADJ
easat-5815	384	11	outcomes	outcome	NOUN
easat-5815	384	12	may	may	AUX
easat-5815	384	13	depend	depend	VERB
easat-5815	384	14	on	on	ADP
easat-5815	384	15	contextual	contextual	ADJ
easat-5815	384	16	factors	factor	NOUN
easat-5815	384	17	such	such	ADJ
easat-5815	384	18	as	as	ADP
easat-5815	384	19	bank	bank	NOUN
easat-5815	384	20	policies	policy	NOUN
easat-5815	384	21	or	or	CCONJ
easat-5815	384	22	economic	economic	ADJ
easat-5815	384	23	conditions	condition	NOUN
easat-5815	384	24	.	.	PUNCT
easat-5815	385	1	ocoi	ocoi	PROPN
easat-5815	385	2	's	's	PART
easat-5815	385	3	negative	negative	ADJ
easat-5815	385	4	effect	effect	NOUN
easat-5815	385	5	:	:	PUNCT
easat-5815	385	6	the	the	DET
easat-5815	385	7	negative	negative	ADJ
easat-5815	385	8	relationship	relationship	NOUN
easat-5815	385	9	between	between	ADP
easat-5815	385	10	ocoi	ocoi	NOUN
easat-5815	385	11	and	and	CCONJ
easat-5815	385	12	financial	financial	ADJ
easat-5815	385	13	performance	performance	NOUN
easat-5815	385	14	(	(	PUNCT
easat-5815	385	15	with	with	ADP
easat-5815	385	16	roa	roa	NOUN
easat-5815	385	17	proxies	proxy	NOUN
easat-5815	385	18	)	)	PUNCT
easat-5815	385	19	is	be	AUX
easat-5815	385	20	supported	support	VERB
easat-5815	385	21	by	by	ADP
easat-5815	385	22	both	both	CCONJ
easat-5815	385	23	halim	halim	PROPN
easat-5815	385	24	and	and	CCONJ
easat-5815	385	25	buana	buana	PROPN
easat-5815	386	1	[	[	X
easat-5815	386	2	4	4	NUM
easat-5815	386	3	]	]	ADJ
easat-5815	386	4	research	research	NOUN
easat-5815	386	5	and	and	CCONJ
easat-5815	386	6	other	other	ADJ
easat-5815	386	7	studies	study	NOUN
easat-5815	386	8	.	.	PUNCT
easat-5815	387	1	this	this	PRON
easat-5815	387	2	reinforces	reinforce	VERB
easat-5815	387	3	the	the	DET
easat-5815	387	4	importance	importance	NOUN
easat-5815	387	5	of	of	ADP
easat-5815	387	6	operational	operational	ADJ
easat-5815	387	7	efficiency	efficiency	NOUN
easat-5815	387	8	in	in	ADP
easat-5815	387	9	driving	drive	VERB
easat-5815	387	10	financial	financial	ADJ
easat-5815	387	11	success	success	NOUN
easat-5815	387	12	.	.	PUNCT
easat-5815	388	1	5.1.4.5	5.1.4.5	X
easat-5815	388	2	.	.	PUNCT
easat-5815	389	1	mediating	mediate	VERB
easat-5815	389	2	role	role	NOUN
easat-5815	389	3	of	of	ADP
easat-5815	389	4	risk	risk	NOUN
easat-5815	389	5	management	management	NOUN
easat-5815	389	6	the	the	DET
easat-5815	389	7	findings	finding	NOUN
easat-5815	389	8	suggest	suggest	VERB
easat-5815	389	9	that	that	SCONJ
easat-5815	389	10	while	while	SCONJ
easat-5815	389	11	operational	operational	ADJ
easat-5815	389	12	costs	cost	NOUN
easat-5815	389	13	and	and	CCONJ
easat-5815	389	14	financing	financing	NOUN
easat-5815	389	15	affect	affect	VERB
easat-5815	389	16	financial	financial	ADJ
easat-5815	389	17	performance	performance	NOUN
easat-5815	389	18	,	,	PUNCT
easat-5815	389	19	risk	risk	NOUN
easat-5815	389	20	management	management	NOUN
easat-5815	389	21	plays	play	VERB
easat-5815	389	22	a	a	DET
easat-5815	389	23	more	more	ADV
easat-5815	389	24	dominant	dominant	ADJ
easat-5815	389	25	mediating	mediate	VERB
easat-5815	389	26	role	role	NOUN
easat-5815	389	27	.	.	PUNCT
easat-5815	390	1	effective	effective	ADJ
easat-5815	390	2	risk	risk	NOUN
easat-5815	390	3	mitigation	mitigation	NOUN
easat-5815	390	4	strategies	strategy	NOUN
easat-5815	390	5	can	can	AUX
easat-5815	390	6	offset	offset	VERB
easat-5815	390	7	the	the	DET
easat-5815	390	8	adverse	adverse	ADJ
easat-5815	390	9	effects	effect	NOUN
easat-5815	390	10	of	of	ADP
easat-5815	390	11	inefficiencies	inefficiency	NOUN
easat-5815	390	12	and	and	CCONJ
easat-5815	390	13	external	external	ADJ
easat-5815	390	14	risks	risk	NOUN
easat-5815	390	15	on	on	ADP
easat-5815	390	16	financial	financial	ADJ
easat-5815	390	17	performance	performance	NOUN
easat-5815	390	18	.	.	PUNCT
easat-5815	391	1	efficient	efficient	ADJ
easat-5815	391	2	financing	financing	NOUN
easat-5815	391	3	management	management	NOUN
easat-5815	391	4	:	:	PUNCT
easat-5815	391	5	ensuring	ensure	VERB
easat-5815	391	6	alignment	alignment	NOUN
easat-5815	391	7	with	with	ADP
easat-5815	391	8	sharia	sharia	PROPN
easat-5815	391	9	principles	principle	NOUN
easat-5815	391	10	and	and	CCONJ
easat-5815	391	11	diversifying	diversify	VERB
easat-5815	391	12	income	income	NOUN
easat-5815	391	13	sources	source	NOUN
easat-5815	391	14	to	to	PART
easat-5815	391	15	enhance	enhance	VERB
easat-5815	391	16	profitability	profitability	NOUN
easat-5815	391	17	and	and	CCONJ
easat-5815	391	18	stability	stability	NOUN
easat-5815	391	19	.	.	PUNCT
easat-5815	392	1	operational	operational	ADJ
easat-5815	392	2	efficiency	efficiency	NOUN
easat-5815	392	3	:	:	PUNCT
easat-5815	392	4	managing	manage	VERB
easat-5815	392	5	ocoi	ocoi	NOUN
easat-5815	392	6	ratios	ratio	NOUN
easat-5815	392	7	effectively	effectively	ADV
easat-5815	392	8	to	to	PART
easat-5815	392	9	reduce	reduce	VERB
easat-5815	392	10	waste	waste	NOUN
easat-5815	392	11	and	and	CCONJ
easat-5815	392	12	improve	improve	VERB
easat-5815	392	13	financial	financial	ADJ
easat-5815	392	14	outcomes	outcome	NOUN
easat-5815	392	15	.	.	PUNCT
easat-5815	393	1	strengthening	strengthen	VERB
easat-5815	393	2	risk	risk	NOUN
easat-5815	393	3	management	management	NOUN
easat-5815	393	4	:	:	PUNCT
easat-5815	393	5	implementing	implement	VERB
easat-5815	393	6	robust	robust	ADJ
easat-5815	393	7	risk	risk	NOUN
easat-5815	393	8	assessment	assessment	NOUN
easat-5815	393	9	and	and	CCONJ
easat-5815	393	10	mitigation	mitigation	NOUN
easat-5815	393	11	frameworks	framework	NOUN
easat-5815	393	12	to	to	PART
easat-5815	393	13	safeguard	safeguard	VERB
easat-5815	393	14	against	against	ADP
easat-5815	393	15	economic	economic	ADJ
easat-5815	393	16	uncertainties	uncertainty	NOUN
easat-5815	393	17	and	and	CCONJ
easat-5815	393	18	financing	financing	NOUN
easat-5815	393	19	problems	problem	NOUN
easat-5815	393	20	.	.	PUNCT
easat-5815	394	1	the	the	DET
easat-5815	394	2	interplay	interplay	NOUN
easat-5815	394	3	between	between	ADP
easat-5815	394	4	financing	financing	NOUN
easat-5815	394	5	,	,	PUNCT
easat-5815	394	6	operational	operational	ADJ
easat-5815	394	7	efficiency	efficiency	NOUN
easat-5815	394	8	,	,	PUNCT
easat-5815	394	9	and	and	CCONJ
easat-5815	394	10	risk	risk	NOUN
easat-5815	394	11	management	management	NOUN
easat-5815	394	12	determines	determine	VERB
easat-5815	394	13	the	the	DET
easat-5815	394	14	financial	financial	ADJ
easat-5815	394	15	performance	performance	NOUN
easat-5815	394	16	of	of	ADP
easat-5815	394	17	islamic	islamic	ADJ
easat-5815	394	18	banking	banking	NOUN
easat-5815	394	19	units	unit	NOUN
easat-5815	394	20	.	.	PUNCT
easat-5815	395	1	while	while	SCONJ
easat-5815	395	2	operational	operational	ADJ
easat-5815	395	3	costs	cost	NOUN
easat-5815	395	4	remain	remain	VERB
easat-5815	395	5	important	important	ADJ
easat-5815	395	6	,	,	PUNCT
easat-5815	395	7	effective	effective	ADJ
easat-5815	395	8	risk	risk	NOUN
easat-5815	395	9	management	management	NOUN
easat-5815	395	10	holds	hold	VERB
easat-5815	395	11	a	a	DET
easat-5815	395	12	more	more	ADV
easat-5815	395	13	significant	significant	ADJ
easat-5815	395	14	influence	influence	NOUN
easat-5815	395	15	on	on	ADP
easat-5815	395	16	long	long	ADJ
easat-5815	395	17	-	-	PUNCT
easat-5815	395	18	term	term	NOUN
easat-5815	395	19	financial	financial	ADJ
easat-5815	395	20	success	success	NOUN
easat-5815	395	21	.	.	PUNCT
easat-5815	396	1	5.1.5	5.1.5	X
easat-5815	396	2	.	.	X
easat-5815	396	3	optimizing	optimize	VERB
easat-5815	396	4	the	the	DET
easat-5815	396	5	performance	performance	NOUN
easat-5815	396	6	of	of	ADP
easat-5815	396	7	sharia	sharia	PROPN
easat-5815	396	8	business	business	NOUN
easat-5815	396	9	units	unit	NOUN
easat-5815	396	10	the	the	DET
easat-5815	396	11	integration	integration	NOUN
easat-5815	396	12	of	of	ADP
easat-5815	396	13	good	good	ADJ
easat-5815	396	14	governance	governance	NOUN
easat-5815	396	15	with	with	ADP
easat-5815	396	16	effective	effective	ADJ
easat-5815	396	17	risk	risk	NOUN
easat-5815	396	18	management	management	NOUN
easat-5815	396	19	is	be	AUX
easat-5815	396	20	essential	essential	ADJ
easat-5815	396	21	for	for	ADP
easat-5815	396	22	addressing	address	VERB
easat-5815	396	23	the	the	DET
easat-5815	396	24	unique	unique	ADJ
easat-5815	396	25	challenges	challenge	NOUN
easat-5815	396	26	faced	face	VERB
easat-5815	396	27	by	by	ADP
easat-5815	396	28	islamic	islamic	ADJ
easat-5815	396	29	banking	banking	NOUN
easat-5815	396	30	.	.	PUNCT
easat-5815	397	1	by	by	ADP
easat-5815	397	2	adopting	adopt	VERB
easat-5815	397	3	a	a	DET
easat-5815	397	4	structured	structured	ADJ
easat-5815	397	5	,	,	PUNCT
easat-5815	397	6	transparent	transparent	ADJ
easat-5815	397	7	,	,	PUNCT
easat-5815	397	8	and	and	CCONJ
easat-5815	397	9	shariacompliant	shariacompliant	ADJ
easat-5815	397	10	approach	approach	NOUN
easat-5815	397	11	,	,	PUNCT
easat-5815	397	12	islamic	islamic	ADJ
easat-5815	397	13	banks	bank	NOUN
easat-5815	397	14	can	can	AUX
easat-5815	397	15	strengthen	strengthen	VERB
easat-5815	397	16	their	their	PRON
easat-5815	397	17	financial	financial	ADJ
easat-5815	397	18	performance	performance	NOUN
easat-5815	397	19	,	,	PUNCT
easat-5815	397	20	enhance	enhance	VERB
easat-5815	397	21	operational	operational	ADJ
easat-5815	397	22	efficiency	efficiency	NOUN
easat-5815	397	23	,	,	PUNCT
easat-5815	397	24	and	and	CCONJ
easat-5815	397	25	build	build	VERB
easat-5815	397	26	long	long	ADJ
easat-5815	397	27	-	-	PUNCT
easat-5815	397	28	term	term	NOUN
easat-5815	397	29	resilience	resilience	NOUN
easat-5815	397	30	.	.	PUNCT
easat-5815	398	1	this	this	DET
easat-5815	398	2	synergy	synergy	NOUN
easat-5815	398	3	not	not	PART
easat-5815	398	4	only	only	ADV
easat-5815	398	5	ensures	ensure	VERB
easat-5815	398	6	regulatory	regulatory	ADJ
easat-5815	398	7	compliance	compliance	NOUN
easat-5815	398	8	but	but	CCONJ
easat-5815	398	9	also	also	ADV
easat-5815	398	10	positions	position	VERB
easat-5815	398	11	islamic	islamic	ADJ
easat-5815	398	12	banks	bank	NOUN
easat-5815	398	13	as	as	ADP
easat-5815	398	14	trusted	trust	VERB
easat-5815	398	15	institutions	institution	NOUN
easat-5815	398	16	in	in	ADP
easat-5815	398	17	the	the	DET
easat-5815	398	18	financial	financial	ADJ
easat-5815	398	19	sector	sector	NOUN
easat-5815	398	20	.	.	PUNCT
easat-5815	399	1	5.1.5.1	5.1.5.1	X
easat-5815	399	2	.	.	PUNCT
easat-5815	399	3	risk	risk	NOUN
easat-5815	399	4	governance	governance	NOUN
easat-5815	399	5	structure	structure	NOUN
easat-5815	399	6	enhancing	enhance	VERB
easat-5815	399	7	financial	financial	ADJ
easat-5815	399	8	performance	performance	NOUN
easat-5815	399	9	in	in	ADP
easat-5815	399	10	islamic	islamic	ADJ
easat-5815	399	11	banking	banking	NOUN
easat-5815	399	12	necessitates	necessitate	VERB
easat-5815	399	13	robust	robust	ADJ
easat-5815	399	14	risk	risk	NOUN
easat-5815	399	15	governance	governance	NOUN
easat-5815	399	16	,	,	PUNCT
easat-5815	399	17	encompassing	encompass	VERB
easat-5815	399	18	audit	audit	NOUN
easat-5815	399	19	committee	committee	NOUN
easat-5815	399	20	fortification	fortification	NOUN
easat-5815	399	21	,	,	PUNCT
easat-5815	399	22	competency	competency	NOUN
easat-5815	399	23	development	development	NOUN
easat-5815	399	24	,	,	PUNCT
easat-5815	399	25	and	and	CCONJ
easat-5815	399	26	optimized	optimize	VERB
easat-5815	399	27	sharia	sharia	PROPN
easat-5815	399	28	supervisory	supervisory	ADJ
easat-5815	399	29	board	board	NOUN
easat-5815	399	30	meetings	meeting	NOUN
easat-5815	399	31	.	.	PUNCT
easat-5815	400	1	2431	2431	NUM
easat-5815	400	2	edelweiss	edelweiss	PROPN
easat-5815	400	3	applied	apply	VERB
easat-5815	400	4	science	science	NOUN
easat-5815	400	5	and	and	CCONJ
easat-5815	400	6	technology	technology	NOUN
easat-5815	400	7	issn	issn	PROPN
easat-5815	400	8	:	:	PUNCT
easat-5815	400	9	2576	2576	NUM
easat-5815	400	10	-	-	SYM
easat-5815	400	11	8484	8484	NUM
easat-5815	400	12	vol	vol	NOUN
easat-5815	400	13	.	.	PROPN
easat-5815	401	1	9	9	NUM
easat-5815	401	2	,	,	PUNCT
easat-5815	401	3	no	no	INTJ
easat-5815	401	4	.	.	NOUN
easat-5815	402	1	3	3	NUM
easat-5815	402	2	:	:	SYM
easat-5815	402	3	2413	2413	NUM
easat-5815	402	4	-	-	SYM
easat-5815	402	5	2434	2434	NUM
easat-5815	402	6	,	,	PUNCT
easat-5815	402	7	2025	2025	NUM
easat-5815	402	8	doi	doi	NOUN
easat-5815	402	9	:	:	PUNCT
easat-5815	402	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	402	11	©	©	PROPN
easat-5815	402	12	2025	2025	NUM
easat-5815	402	13	by	by	ADP
easat-5815	402	14	the	the	DET
easat-5815	402	15	author	author	NOUN
easat-5815	402	16	;	;	PUNCT
easat-5815	402	17	licensee	licensee	PROPN
easat-5815	402	18	learning	learn	VERB
easat-5815	402	19	gate	gate	PROPN
easat-5815	402	20	according	accord	VERB
easat-5815	402	21	to	to	ADP
easat-5815	402	22	kurniawan	kurniawan	PROPN
easat-5815	402	23	,	,	PUNCT
easat-5815	402	24	et	et	PROPN
easat-5815	402	25	al	al	PROPN
easat-5815	402	26	.	.	PUNCT
easat-5815	403	1	[	[	X
easat-5815	403	2	15	15	NUM
easat-5815	403	3	]	]	X
easat-5815	403	4	the	the	DET
easat-5815	403	5	size	size	NOUN
easat-5815	403	6	and	and	CCONJ
easat-5815	403	7	independence	independence	NOUN
easat-5815	403	8	of	of	ADP
easat-5815	403	9	the	the	DET
easat-5815	403	10	audit	audit	NOUN
easat-5815	403	11	committee	committee	NOUN
easat-5815	403	12	,	,	PUNCT
easat-5815	403	13	as	as	ADV
easat-5815	403	14	well	well	ADV
easat-5815	403	15	as	as	ADP
easat-5815	403	16	the	the	DET
easat-5815	403	17	expertise	expertise	NOUN
easat-5815	403	18	of	of	ADP
easat-5815	403	19	its	its	PRON
easat-5815	403	20	members	member	NOUN
easat-5815	403	21	and	and	CCONJ
easat-5815	403	22	the	the	DET
easat-5815	403	23	intensity	intensity	NOUN
easat-5815	403	24	of	of	ADP
easat-5815	403	25	the	the	DET
easat-5815	403	26	meeting	meeting	NOUN
easat-5815	403	27	,	,	PUNCT
easat-5815	403	28	have	have	VERB
easat-5815	403	29	a	a	DET
easat-5815	403	30	significant	significant	ADJ
easat-5815	403	31	contribution	contribution	NOUN
easat-5815	403	32	to	to	ADP
easat-5815	403	33	the	the	DET
easat-5815	403	34	effectiveness	effectiveness	NOUN
easat-5815	403	35	of	of	ADP
easat-5815	403	36	risk	risk	NOUN
easat-5815	403	37	management	management	NOUN
easat-5815	403	38	.	.	PUNCT
easat-5815	404	1	meanwhile	meanwhile	ADV
easat-5815	404	2	,	,	PUNCT
easat-5815	404	3	the	the	DET
easat-5815	404	4	role	role	NOUN
easat-5815	404	5	of	of	ADP
easat-5815	404	6	dps	dps	NOUN
easat-5815	404	7	through	through	ADP
easat-5815	404	8	the	the	DET
easat-5815	404	9	frequency	frequency	NOUN
easat-5815	404	10	of	of	ADP
easat-5815	404	11	meetings	meeting	NOUN
easat-5815	404	12	also	also	ADV
easat-5815	404	13	ensures	ensure	VERB
easat-5815	404	14	compliance	compliance	NOUN
easat-5815	404	15	with	with	ADP
easat-5815	404	16	islamic	islamic	ADJ
easat-5815	404	17	principles	principle	NOUN
easat-5815	404	18	,	,	PUNCT
easat-5815	404	19	thereby	thereby	ADV
easat-5815	404	20	strengthening	strengthen	VERB
easat-5815	404	21	the	the	DET
easat-5815	404	22	achievement	achievement	NOUN
easat-5815	404	23	of	of	ADP
easat-5815	404	24	financial	financial	ADJ
easat-5815	404	25	performance	performance	NOUN
easat-5815	404	26	.	.	PUNCT
easat-5815	405	1	5.1.5.2	5.1.5.2	NUM
easat-5815	405	2	.	.	PUNCT
easat-5815	405	3	liquidity	liquidity	NOUN
easat-5815	405	4	risk	risk	NOUN
easat-5815	405	5	management	management	NOUN
easat-5815	405	6	liquidity	liquidity	NOUN
easat-5815	405	7	risk	risk	NOUN
easat-5815	405	8	management	management	NOUN
easat-5815	405	9	is	be	AUX
easat-5815	405	10	a	a	DET
easat-5815	405	11	vital	vital	ADJ
easat-5815	405	12	component	component	NOUN
easat-5815	405	13	in	in	ADP
easat-5815	405	14	optimizing	optimize	VERB
easat-5815	405	15	the	the	DET
easat-5815	405	16	performance	performance	NOUN
easat-5815	405	17	of	of	ADP
easat-5815	405	18	financing	finance	VERB
easat-5815	405	19	sharia	sharia	PROPN
easat-5815	405	20	business	business	NOUN
easat-5815	405	21	units	unit	NOUN
easat-5815	405	22	banking	banking	NOUN
easat-5815	405	23	.	.	PUNCT
easat-5815	406	1	understanding	understanding	NOUN
easat-5815	406	2	and	and	CCONJ
easat-5815	406	3	controlling	control	VERB
easat-5815	406	4	liquidity	liquidity	NOUN
easat-5815	406	5	risk	risk	NOUN
easat-5815	406	6	helps	help	VERB
easat-5815	406	7	maintain	maintain	VERB
easat-5815	406	8	sustainability	sustainability	NOUN
easat-5815	406	9	and	and	CCONJ
easat-5815	406	10	operational	operational	ADJ
easat-5815	406	11	resilience	resilience	NOUN
easat-5815	406	12	.	.	PUNCT
easat-5815	407	1	these	these	DET
easat-5815	407	2	efforts	effort	NOUN
easat-5815	407	3	include	include	VERB
easat-5815	407	4	the	the	DET
easat-5815	407	5	implementation	implementation	NOUN
easat-5815	407	6	of	of	ADP
easat-5815	407	7	various	various	ADJ
easat-5815	407	8	funding	funding	NOUN
easat-5815	407	9	strategies	strategy	NOUN
easat-5815	407	10	,	,	PUNCT
easat-5815	407	11	increased	increase	VERB
easat-5815	407	12	transparency	transparency	NOUN
easat-5815	407	13	,	,	PUNCT
easat-5815	407	14	and	and	CCONJ
easat-5815	407	15	collaboration	collaboration	NOUN
easat-5815	407	16	with	with	ADP
easat-5815	407	17	other	other	ADJ
easat-5815	407	18	islamic	islamic	ADJ
easat-5815	407	19	financial	financial	ADJ
easat-5815	407	20	institutions	institution	NOUN
easat-5815	407	21	.	.	PUNCT
easat-5815	408	1	consistent	consistent	ADJ
easat-5815	408	2	monitoring	monitoring	NOUN
easat-5815	408	3	of	of	ADP
easat-5815	408	4	fund	fund	NOUN
easat-5815	408	5	flows	flow	NOUN
easat-5815	408	6	and	and	CCONJ
easat-5815	408	7	adjustment	adjustment	NOUN
easat-5815	408	8	to	to	ADP
easat-5815	408	9	regulatory	regulatory	ADJ
easat-5815	408	10	changes	change	NOUN
easat-5815	408	11	are	be	AUX
easat-5815	408	12	also	also	ADV
easat-5815	408	13	needed	need	VERB
easat-5815	408	14	to	to	PART
easat-5815	408	15	maintain	maintain	VERB
easat-5815	408	16	stability	stability	NOUN
easat-5815	408	17	.	.	PUNCT
easat-5815	409	1	islamic	islamic	ADJ
easat-5815	409	2	unit	unit	PROPN
easat-5815	409	3	business	business	NOUN
easat-5815	409	4	banks	bank	NOUN
easat-5815	409	5	require	require	VERB
easat-5815	409	6	robust	robust	ADJ
easat-5815	409	7	liquidity	liquidity	NOUN
easat-5815	409	8	risk	risk	NOUN
easat-5815	409	9	management	management	NOUN
easat-5815	409	10	to	to	PART
easat-5815	409	11	ensure	ensure	VERB
easat-5815	409	12	stability	stability	NOUN
easat-5815	409	13	and	and	CCONJ
easat-5815	409	14	drive	drive	VERB
easat-5815	409	15	growth	growth	NOUN
easat-5815	409	16	.	.	PUNCT
easat-5815	410	1	by	by	ADP
easat-5815	410	2	leveraging	leverage	VERB
easat-5815	410	3	sharia	sharia	NOUN
easat-5815	410	4	-	-	PUNCT
easat-5815	410	5	compliant	compliant	ADJ
easat-5815	410	6	liquidity	liquidity	NOUN
easat-5815	410	7	instruments	instrument	NOUN
easat-5815	410	8	,	,	PUNCT
easat-5815	410	9	enhancing	enhance	VERB
easat-5815	410	10	interbank	interbank	NOUN
easat-5815	410	11	market	market	NOUN
easat-5815	410	12	participation	participation	NOUN
easat-5815	410	13	,	,	PUNCT
easat-5815	410	14	and	and	CCONJ
easat-5815	410	15	working	work	VERB
easat-5815	410	16	closely	closely	ADV
easat-5815	410	17	with	with	ADP
easat-5815	410	18	regulators	regulator	NOUN
easat-5815	410	19	,	,	PUNCT
easat-5815	410	20	islamic	islamic	ADJ
easat-5815	410	21	banks	bank	NOUN
easat-5815	410	22	can	can	AUX
easat-5815	410	23	mitigate	mitigate	VERB
easat-5815	410	24	liquidity	liquidity	NOUN
easat-5815	410	25	risks	risk	NOUN
easat-5815	410	26	while	while	SCONJ
easat-5815	410	27	ensuring	ensure	VERB
easat-5815	410	28	financial	financial	ADJ
easat-5815	410	29	stability	stability	NOUN
easat-5815	410	30	and	and	CCONJ
easat-5815	410	31	compliance	compliance	NOUN
easat-5815	410	32	with	with	ADP
easat-5815	410	33	islamic	islamic	ADJ
easat-5815	410	34	principles	principle	NOUN
easat-5815	410	35	.	.	PUNCT
easat-5815	411	1	findings	finding	NOUN
easat-5815	411	2	from	from	ADP
easat-5815	411	3	a	a	DET
easat-5815	411	4	study	study	NOUN
easat-5815	411	5	i̇ncekara	i̇ncekara	ADJ
easat-5815	411	6	and	and	CCONJ
easat-5815	411	7	cetinkaya	cetinkaya	NOUN
easat-5815	412	1	[	[	X
easat-5815	412	2	16	16	NUM
easat-5815	412	3	]	]	PUNCT
easat-5815	412	4	indicate	indicate	VERB
easat-5815	412	5	that	that	SCONJ
easat-5815	412	6	conventional	conventional	ADJ
easat-5815	412	7	banks	bank	NOUN
easat-5815	412	8	'	'	PART
easat-5815	412	9	liquidity	liquidity	NOUN
easat-5815	412	10	risk	risk	NOUN
easat-5815	412	11	is	be	AUX
easat-5815	412	12	negatively	negatively	ADV
easat-5815	412	13	correlated	correlate	VERB
easat-5815	412	14	with	with	ADP
easat-5815	412	15	npl	npl	PROPN
easat-5815	412	16	and	and	CCONJ
easat-5815	412	17	la	la	PROPN
easat-5815	412	18	,	,	PUNCT
easat-5815	412	19	highlighting	highlight	VERB
easat-5815	412	20	key	key	ADJ
easat-5815	412	21	variables	variable	NOUN
easat-5815	412	22	for	for	ADP
easat-5815	412	23	liquidity	liquidity	NOUN
easat-5815	412	24	risk	risk	NOUN
easat-5815	412	25	management	management	NOUN
easat-5815	412	26	in	in	ADP
easat-5815	412	27	both	both	CCONJ
easat-5815	412	28	conventional	conventional	ADJ
easat-5815	412	29	and	and	CCONJ
easat-5815	412	30	islamic	islamic	ADJ
easat-5815	412	31	banks	bank	NOUN
easat-5815	412	32	.	.	PUNCT
easat-5815	413	1	as	as	SCONJ
easat-5815	413	2	stated	state	VERB
easat-5815	413	3	by	by	ADP
easat-5815	413	4	wati	wati	NOUN
easat-5815	413	5	and	and	CCONJ
easat-5815	413	6	fasa	fasa	PROPN
easat-5815	413	7	[	[	X
easat-5815	413	8	17	17	NUM
easat-5815	413	9	]	]	PUNCT
easat-5815	413	10	effective	effective	ADJ
easat-5815	413	11	liquidity	liquidity	NOUN
easat-5815	413	12	risk	risk	NOUN
easat-5815	413	13	management	management	NOUN
easat-5815	413	14	enables	enable	VERB
easat-5815	413	15	islamic	islamic	ADJ
easat-5815	413	16	banks	bank	NOUN
easat-5815	413	17	to	to	PART
easat-5815	413	18	honor	honor	VERB
easat-5815	413	19	their	their	PRON
easat-5815	413	20	commitments	commitment	NOUN
easat-5815	413	21	and	and	CCONJ
easat-5815	413	22	preserve	preserve	VERB
easat-5815	413	23	stakeholder	stakeholder	NOUN
easat-5815	413	24	trust	trust	NOUN
easat-5815	413	25	amidst	amidst	ADP
easat-5815	413	26	market	market	NOUN
easat-5815	413	27	volatility	volatility	NOUN
easat-5815	413	28	.	.	PUNCT
easat-5815	414	1	for	for	ADP
easat-5815	414	2	this	this	DET
easat-5815	414	3	reason	reason	NOUN
easat-5815	414	4	,	,	PUNCT
easat-5815	414	5	a	a	DET
easat-5815	414	6	strategic	strategic	ADJ
easat-5815	414	7	approach	approach	NOUN
easat-5815	414	8	is	be	AUX
easat-5815	414	9	needed	need	VERB
easat-5815	414	10	,	,	PUNCT
easat-5815	414	11	such	such	ADJ
easat-5815	414	12	as	as	ADP
easat-5815	414	13	looking	look	VERB
easat-5815	414	14	for	for	ADP
easat-5815	414	15	funding	funding	NOUN
easat-5815	414	16	alternatives	alternative	NOUN
easat-5815	414	17	other	other	ADJ
easat-5815	414	18	than	than	ADP
easat-5815	414	19	interest	interest	NOUN
easat-5815	414	20	and	and	CCONJ
easat-5815	414	21	careful	careful	ADJ
easat-5815	414	22	asset	asset	NOUN
easat-5815	414	23	management	management	NOUN
easat-5815	414	24	.	.	PUNCT
easat-5815	415	1	5.1.5.3	5.1.5.3	X
easat-5815	415	2	.	.	PUNCT
easat-5815	415	3	risk	risk	NOUN
easat-5815	415	4	management	management	NOUN
easat-5815	415	5	and	and	CCONJ
easat-5815	415	6	good	good	ADJ
easat-5815	415	7	corporate	corporate	ADJ
easat-5815	415	8	governance	governance	NOUN
easat-5815	415	9	to	to	PART
easat-5815	415	10	maximize	maximize	VERB
easat-5815	415	11	the	the	DET
easat-5815	415	12	performance	performance	NOUN
easat-5815	415	13	of	of	ADP
easat-5815	415	14	financial	financial	ADJ
easat-5815	415	15	sharia	sharia	PROPN
easat-5815	415	16	banking	banking	PROPN
easat-5815	415	17	business	business	NOUN
easat-5815	415	18	unit	unit	NOUN
easat-5815	415	19	,	,	PUNCT
easat-5815	415	20	effective	effective	ADJ
easat-5815	415	21	risk	risk	NOUN
easat-5815	415	22	management	management	NOUN
easat-5815	415	23	,	,	PUNCT
easat-5815	415	24	grounded	ground	VERB
easat-5815	415	25	in	in	ADP
easat-5815	415	26	gcg	gcg	NOUN
easat-5815	415	27	principles	principle	NOUN
easat-5815	415	28	,	,	PUNCT
easat-5815	415	29	is	be	AUX
easat-5815	415	30	critical	critical	ADJ
easat-5815	415	31	for	for	ADP
easat-5815	415	32	organizational	organizational	ADJ
easat-5815	415	33	resilience	resilience	NOUN
easat-5815	415	34	.	.	PUNCT
easat-5815	416	1	research	research	NOUN
easat-5815	416	2	indicates	indicate	VERB
easat-5815	416	3	a	a	DET
easat-5815	416	4	strong	strong	ADJ
easat-5815	416	5	correlation	correlation	NOUN
easat-5815	416	6	between	between	ADP
easat-5815	416	7	robust	robust	ADJ
easat-5815	416	8	risk	risk	NOUN
easat-5815	416	9	management	management	NOUN
easat-5815	416	10	practices	practice	NOUN
easat-5815	416	11	and	and	CCONJ
easat-5815	416	12	enhanced	enhance	VERB
easat-5815	416	13	financial	financial	ADJ
easat-5815	416	14	performance	performance	NOUN
easat-5815	416	15	,	,	PUNCT
easat-5815	416	16	while	while	SCONJ
easat-5815	416	17	internal	internal	ADJ
easat-5815	416	18	audits	audit	NOUN
easat-5815	416	19	,	,	PUNCT
easat-5815	416	20	if	if	SCONJ
easat-5815	416	21	not	not	PART
easat-5815	416	22	done	do	VERB
easat-5815	416	23	properly	properly	ADV
easat-5815	416	24	,	,	PUNCT
easat-5815	416	25	can	can	AUX
easat-5815	416	26	have	have	VERB
easat-5815	416	27	a	a	DET
easat-5815	416	28	negative	negative	ADJ
easat-5815	416	29	impact	impact	NOUN
easat-5815	416	30	.	.	PUNCT
easat-5815	417	1	therefore	therefore	ADV
easat-5815	417	2	,	,	PUNCT
easat-5815	417	3	the	the	DET
easat-5815	417	4	integration	integration	NOUN
easat-5815	417	5	of	of	ADP
easat-5815	417	6	governance	governance	NOUN
easat-5815	417	7	and	and	CCONJ
easat-5815	417	8	a	a	DET
easat-5815	417	9	mature	mature	ADJ
easat-5815	417	10	risk	risk	NOUN
easat-5815	417	11	management	management	NOUN
easat-5815	417	12	framework	framework	NOUN
easat-5815	417	13	is	be	AUX
easat-5815	417	14	indispensable	indispensable	ADJ
easat-5815	417	15	to	to	PART
easat-5815	417	16	reduce	reduce	VERB
easat-5815	417	17	risk	risk	NOUN
easat-5815	417	18	,	,	PUNCT
easat-5815	417	19	improve	improve	VERB
easat-5815	417	20	financial	financial	ADJ
easat-5815	417	21	results	result	NOUN
easat-5815	417	22	.	.	PUNCT
easat-5815	418	1	according	accord	VERB
easat-5815	418	2	to	to	ADP
easat-5815	418	3	jaziroh	jaziroh	NOUN
easat-5815	418	4	and	and	CCONJ
easat-5815	418	5	nirwana	nirwana	NOUN
easat-5815	418	6	[	[	X
easat-5815	418	7	18	18	NUM
easat-5815	418	8	]	]	PUNCT
easat-5815	418	9	effective	effective	ADJ
easat-5815	418	10	governance	governance	NOUN
easat-5815	418	11	structures	structure	NOUN
easat-5815	418	12	contribute	contribute	VERB
easat-5815	418	13	substantially	substantially	ADV
easat-5815	418	14	to	to	ADP
easat-5815	418	15	the	the	DET
easat-5815	418	16	financial	financial	ADJ
easat-5815	418	17	success	success	NOUN
easat-5815	418	18	of	of	ADP
easat-5815	418	19	islamic	islamic	ADJ
easat-5815	418	20	banks	bank	NOUN
easat-5815	418	21	,	,	PUNCT
easat-5815	418	22	yet	yet	CCONJ
easat-5815	418	23	additional	additional	ADJ
easat-5815	418	24	factors	factor	NOUN
easat-5815	418	25	warrant	warrant	VERB
easat-5815	418	26	consideration	consideration	NOUN
easat-5815	418	27	,	,	PUNCT
easat-5815	418	28	the	the	DET
easat-5815	418	29	effectiveness	effectiveness	NOUN
easat-5815	418	30	of	of	ADP
easat-5815	418	31	internal	internal	ADJ
easat-5815	418	32	audits	audits	NOUN
easat-5815	418	33	requires	require	VERB
easat-5815	418	34	careful	careful	ADJ
easat-5815	418	35	management	management	NOUN
easat-5815	418	36	in	in	ADP
easat-5815	418	37	order	order	NOUN
easat-5815	418	38	to	to	PART
easat-5815	418	39	support	support	VERB
easat-5815	418	40	optimal	optimal	ADJ
easat-5815	418	41	risk	risk	NOUN
easat-5815	418	42	management	management	NOUN
easat-5815	418	43	practices	practice	NOUN
easat-5815	418	44	.	.	PUNCT
easat-5815	419	1	effective	effective	ADJ
easat-5815	419	2	risk	risk	NOUN
easat-5815	419	3	management	management	NOUN
easat-5815	419	4	and	and	CCONJ
easat-5815	419	5	good	good	ADJ
easat-5815	419	6	corporate	corporate	ADJ
easat-5815	419	7	governance	governance	NOUN
easat-5815	419	8	are	be	AUX
easat-5815	419	9	crucial	crucial	ADJ
easat-5815	419	10	for	for	ADP
easat-5815	419	11	an	an	DET
easat-5815	419	12	organization	organization	NOUN
easat-5815	419	13	's	's	PART
easat-5815	419	14	longterm	longterm	ADJ
easat-5815	419	15	success	success	NOUN
easat-5815	419	16	.	.	PUNCT
easat-5815	420	1	research	research	NOUN
easat-5815	420	2	of	of	ADP
easat-5815	420	3	the	the	DET
easat-5815	420	4	kafidipe	kafidipe	NOUN
easat-5815	420	5	,	,	PUNCT
easat-5815	420	6	et	et	PROPN
easat-5815	420	7	al	al	PROPN
easat-5815	420	8	.	.	PUNCT
easat-5815	421	1	[	[	X
easat-5815	421	2	19	19	NUM
easat-5815	421	3	]	]	X
easat-5815	421	4	studies	study	NOUN
easat-5815	421	5	show	show	VERB
easat-5815	421	6	that	that	SCONJ
easat-5815	421	7	corporate	corporate	ADJ
easat-5815	421	8	governance	governance	NOUN
easat-5815	421	9	has	have	VERB
easat-5815	421	10	a	a	DET
easat-5815	421	11	significant	significant	ADJ
easat-5815	421	12	adverse	adverse	ADJ
easat-5815	421	13	impact	impact	NOUN
easat-5815	421	14	on	on	ADP
easat-5815	421	15	the	the	DET
easat-5815	421	16	financial	financial	ADJ
easat-5815	421	17	performance	performance	NOUN
easat-5815	421	18	of	of	ADP
easat-5815	421	19	nigerian	nigerian	ADJ
easat-5815	421	20	deposit	deposit	NOUN
easat-5815	421	21	money	money	NOUN
easat-5815	421	22	banks	bank	NOUN
easat-5815	421	23	.	.	PUNCT
easat-5815	422	1	however	however	ADV
easat-5815	422	2	,	,	PUNCT
easat-5815	422	3	a	a	DET
easat-5815	422	4	sound	sound	ADJ
easat-5815	422	5	corporate	corporate	ADJ
easat-5815	422	6	governance	governance	NOUN
easat-5815	422	7	system	system	NOUN
easat-5815	422	8	enhances	enhance	VERB
easat-5815	422	9	loan	loan	NOUN
easat-5815	422	10	profitability	profitability	NOUN
easat-5815	422	11	and	and	CCONJ
easat-5815	422	12	bank	bank	NOUN
easat-5815	422	13	stability	stability	NOUN
easat-5815	422	14	.	.	PUNCT
easat-5815	423	1	the	the	DET
easat-5815	423	2	research	research	NOUN
easat-5815	423	3	reveals	reveal	VERB
easat-5815	423	4	that	that	SCONJ
easat-5815	423	5	larger	large	ADJ
easat-5815	423	6	boards	board	NOUN
easat-5815	423	7	,	,	PUNCT
easat-5815	423	8	independent	independent	ADJ
easat-5815	423	9	directors	director	NOUN
easat-5815	423	10	,	,	PUNCT
easat-5815	423	11	and	and	CCONJ
easat-5815	423	12	shareholdings	shareholding	NOUN
easat-5815	423	13	negatively	negatively	ADV
easat-5815	423	14	affect	affect	VERB
easat-5815	423	15	financial	financial	ADJ
easat-5815	423	16	performance	performance	NOUN
easat-5815	423	17	,	,	PUNCT
easat-5815	423	18	whereas	whereas	SCONJ
easat-5815	423	19	board	board	NOUN
easat-5815	423	20	committees	committee	NOUN
easat-5815	423	21	have	have	VERB
easat-5815	423	22	a	a	DET
easat-5815	423	23	positive	positive	ADJ
easat-5815	423	24	impact	impact	NOUN
easat-5815	423	25	.	.	PUNCT
easat-5815	424	1	the	the	DET
easat-5815	424	2	research	research	NOUN
easat-5815	424	3	recommends	recommend	VERB
easat-5815	424	4	implementing	implement	VERB
easat-5815	424	5	proper	proper	ADJ
easat-5815	424	6	corporate	corporate	ADJ
easat-5815	424	7	risk	risk	NOUN
easat-5815	424	8	management	management	NOUN
easat-5815	424	9	practices	practice	NOUN
easat-5815	424	10	,	,	PUNCT
easat-5815	424	11	regular	regular	ADJ
easat-5815	424	12	quality	quality	NOUN
easat-5815	424	13	control	control	NOUN
easat-5815	424	14	checks	check	NOUN
easat-5815	424	15	,	,	PUNCT
easat-5815	424	16	and	and	CCONJ
easat-5815	424	17	ensuring	ensure	VERB
easat-5815	424	18	compliance	compliance	NOUN
easat-5815	424	19	to	to	PART
easat-5815	424	20	enhance	enhance	VERB
easat-5815	424	21	financial	financial	ADJ
easat-5815	424	22	performance	performance	NOUN
easat-5815	424	23	.	.	PUNCT
easat-5815	425	1	5.1.5.5	5.1.5.5	X
easat-5815	425	2	.	.	PUNCT
easat-5815	425	3	financing	finance	VERB
easat-5815	425	4	risk	risk	NOUN
easat-5815	425	5	management	management	NOUN
easat-5815	425	6	the	the	DET
easat-5815	425	7	financial	financial	ADJ
easat-5815	425	8	performance	performance	NOUN
easat-5815	425	9	of	of	ADP
easat-5815	425	10	islamic	islamic	ADJ
easat-5815	425	11	banks	bank	NOUN
easat-5815	425	12	,	,	PUNCT
easat-5815	425	13	particularly	particularly	ADV
easat-5815	425	14	return	return	VERB
easat-5815	425	15	on	on	ADP
easat-5815	425	16	assets	asset	NOUN
easat-5815	425	17	(	(	PUNCT
easat-5815	425	18	roa	roa	NOUN
easat-5815	425	19	)	)	PUNCT
easat-5815	425	20	,	,	PUNCT
easat-5815	425	21	is	be	AUX
easat-5815	425	22	a	a	DET
easat-5815	425	23	key	key	ADJ
easat-5815	425	24	area	area	NOUN
easat-5815	425	25	of	of	ADP
easat-5815	425	26	focus	focus	NOUN
easat-5815	425	27	,	,	PUNCT
easat-5815	425	28	is	be	AUX
easat-5815	425	29	significantly	significantly	ADV
easat-5815	425	30	affected	affect	VERB
easat-5815	425	31	by	by	ADP
easat-5815	425	32	various	various	ADJ
easat-5815	425	33	islamic	islamic	ADJ
easat-5815	425	34	financing	financing	NOUN
easat-5815	425	35	modes	mode	NOUN
easat-5815	425	36	,	,	PUNCT
easat-5815	425	37	such	such	ADJ
easat-5815	425	38	as	as	ADP
easat-5815	425	39	mudharaba	mudharaba	NOUN
easat-5815	425	40	,	,	PUNCT
easat-5815	425	41	musharaka	musharaka	NOUN
easat-5815	425	42	,	,	PUNCT
easat-5815	425	43	and	and	CCONJ
easat-5815	425	44	murabaha	murabaha	VERB
easat-5815	425	45	.	.	PUNCT
easat-5815	426	1	here	here	ADV
easat-5815	426	2	are	be	AUX
easat-5815	426	3	some	some	DET
easat-5815	426	4	paraphrased	paraphrase	VERB
easat-5815	426	5	versions	version	NOUN
easat-5815	426	6	:	:	PUNCT
easat-5815	426	7	the	the	DET
easat-5815	426	8	sharia	sharia	PROPN
easat-5815	426	9	supervisory	supervisory	ADJ
easat-5815	426	10	board	board	NOUN
easat-5815	426	11	(	(	PUNCT
easat-5815	426	12	dps	dps	NOUN
easat-5815	426	13	)	)	PUNCT
easat-5815	426	14	plays	play	VERB
easat-5815	426	15	a	a	DET
easat-5815	426	16	vital	vital	ADJ
easat-5815	426	17	role	role	NOUN
easat-5815	426	18	in	in	ADP
easat-5815	426	19	ensuring	ensure	VERB
easat-5815	426	20	the	the	DET
easat-5815	426	21	sharia	sharia	PROPN
easat-5815	426	22	compliance	compliance	NOUN
easat-5815	426	23	and	and	CCONJ
easat-5815	426	24	integrity	integrity	NOUN
easat-5815	426	25	of	of	ADP
easat-5815	426	26	islamic	islamic	ADJ
easat-5815	426	27	banking	banking	NOUN
easat-5815	426	28	operations	operation	NOUN
easat-5815	426	29	in	in	ADP
easat-5815	426	30	moderating	moderate	VERB
easat-5815	426	31	the	the	DET
easat-5815	426	32	relationship	relationship	NOUN
easat-5815	426	33	between	between	ADP
easat-5815	426	34	this	this	DET
easat-5815	426	35	type	type	NOUN
easat-5815	426	36	of	of	ADP
easat-5815	426	37	financing	financing	NOUN
easat-5815	426	38	and	and	CCONJ
easat-5815	426	39	financial	financial	ADJ
easat-5815	426	40	performance	performance	NOUN
easat-5815	426	41	shows	show	VERB
easat-5815	426	42	that	that	SCONJ
easat-5815	426	43	good	good	ADJ
easat-5815	426	44	supervision	supervision	NOUN
easat-5815	426	45	and	and	CCONJ
easat-5815	426	46	governance	governance	NOUN
easat-5815	426	47	can	can	AUX
easat-5815	426	48	increase	increase	VERB
easat-5815	426	49	efficiency	efficiency	NOUN
easat-5815	426	50	.	.	PUNCT
easat-5815	427	1	2432	2432	NUM
easat-5815	427	2	edelweiss	edelweiss	PROPN
easat-5815	427	3	applied	apply	VERB
easat-5815	427	4	science	science	NOUN
easat-5815	427	5	and	and	CCONJ
easat-5815	427	6	technology	technology	NOUN
easat-5815	427	7	issn	issn	PROPN
easat-5815	427	8	:	:	PUNCT
easat-5815	427	9	2576	2576	NUM
easat-5815	427	10	-	-	SYM
easat-5815	427	11	8484	8484	NUM
easat-5815	427	12	vol	vol	NOUN
easat-5815	427	13	.	.	PROPN
easat-5815	428	1	9	9	NUM
easat-5815	428	2	,	,	PUNCT
easat-5815	428	3	no	no	INTJ
easat-5815	428	4	.	.	NOUN
easat-5815	429	1	3	3	NUM
easat-5815	429	2	:	:	SYM
easat-5815	429	3	2413	2413	NUM
easat-5815	429	4	-	-	SYM
easat-5815	429	5	2434	2434	NUM
easat-5815	429	6	,	,	PUNCT
easat-5815	429	7	2025	2025	NUM
easat-5815	429	8	doi	doi	NOUN
easat-5815	429	9	:	:	PUNCT
easat-5815	429	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	429	11	©	©	PROPN
easat-5815	429	12	2025	2025	NUM
easat-5815	429	13	by	by	ADP
easat-5815	429	14	the	the	DET
easat-5815	429	15	author	author	NOUN
easat-5815	429	16	;	;	PUNCT
easat-5815	429	17	licensee	licensee	PROPN
easat-5815	429	18	learning	learning	NOUN
easat-5815	429	19	gate	gate	PROPN
easat-5815	429	20	according	accord	VERB
easat-5815	429	21	to	to	ADP
easat-5815	429	22	muthaher	muthaher	ADJ
easat-5815	429	23	[	[	X
easat-5815	429	24	20	20	NUM
easat-5815	429	25	]	]	SYM
easat-5815	429	26	effective	effective	ADJ
easat-5815	429	27	financing	financing	NOUN
easat-5815	429	28	risk	risk	NOUN
easat-5815	429	29	management	management	NOUN
easat-5815	429	30	is	be	AUX
easat-5815	429	31	crucial	crucial	ADJ
easat-5815	429	32	for	for	ADP
easat-5815	429	33	mitigating	mitigate	VERB
easat-5815	429	34	risks	risk	NOUN
easat-5815	429	35	in	in	ADP
easat-5815	429	36	sharia	sharia	PROPN
easat-5815	429	37	-	-	PUNCT
easat-5815	429	38	based	base	VERB
easat-5815	429	39	financing	financing	NOUN
easat-5815	429	40	,	,	PUNCT
easat-5815	429	41	effective	effective	ADJ
easat-5815	429	42	financing	financing	NOUN
easat-5815	429	43	risk	risk	NOUN
easat-5815	429	44	management	management	NOUN
easat-5815	429	45	is	be	AUX
easat-5815	429	46	crucial	crucial	ADJ
easat-5815	429	47	for	for	ADP
easat-5815	429	48	mitigating	mitigate	VERB
easat-5815	429	49	risks	risk	NOUN
easat-5815	429	50	in	in	ADP
easat-5815	429	51	sharia	sharia	PROPN
easat-5815	429	52	financing	financing	NOUN
easat-5815	429	53	.	.	PUNCT
easat-5815	430	1	however	however	ADV
easat-5815	430	2	,	,	PUNCT
easat-5815	430	3	challenges	challenge	NOUN
easat-5815	430	4	such	such	ADJ
easat-5815	430	5	as	as	ADP
easat-5815	430	6	compliance	compliance	NOUN
easat-5815	430	7	with	with	ADP
easat-5815	430	8	sharia	sharia	PROPN
easat-5815	430	9	principles	principle	NOUN
easat-5815	430	10	and	and	CCONJ
easat-5815	430	11	competition	competition	NOUN
easat-5815	430	12	with	with	ADP
easat-5815	430	13	conventional	conventional	ADJ
easat-5815	430	14	banks	bank	NOUN
easat-5815	430	15	require	require	VERB
easat-5815	430	16	innovation	innovation	NOUN
easat-5815	430	17	and	and	CCONJ
easat-5815	430	18	strategic	strategic	ADJ
easat-5815	430	19	governance	governance	NOUN
easat-5815	430	20	that	that	PRON
easat-5815	430	21	are	be	AUX
easat-5815	430	22	able	able	ADJ
easat-5815	430	23	to	to	PART
easat-5815	430	24	ensure	ensure	VERB
easat-5815	430	25	the	the	DET
easat-5815	430	26	sustainability	sustainability	NOUN
easat-5815	430	27	and	and	CCONJ
easat-5815	430	28	competitiveness	competitiveness	NOUN
easat-5815	430	29	of	of	ADP
easat-5815	430	30	sharia	sharia	PROPN
easat-5815	430	31	banking	banking	NOUN
easat-5815	430	32	.	.	PUNCT
easat-5815	431	1	nugroho	nugroho	NOUN
easat-5815	431	2	,	,	PUNCT
easat-5815	431	3	et	et	PROPN
easat-5815	431	4	al	al	PROPN
easat-5815	431	5	.	.	PUNCT
easat-5815	432	1	[	[	X
easat-5815	432	2	21	21	NUM
easat-5815	432	3	]	]	PUNCT
easat-5815	432	4	the	the	DET
easat-5815	432	5	islamic	islamic	ADJ
easat-5815	432	6	banking	banking	NOUN
easat-5815	432	7	industry	industry	NOUN
easat-5815	432	8	has	have	AUX
easat-5815	432	9	experienced	experience	VERB
easat-5815	432	10	a	a	DET
easat-5815	432	11	significant	significant	ADJ
easat-5815	432	12	surge	surge	NOUN
easat-5815	432	13	in	in	ADP
easat-5815	432	14	non	non	ADJ
easat-5815	432	15	-	-	ADJ
easat-5815	432	16	performing	performing	ADJ
easat-5815	432	17	financing	financing	NOUN
easat-5815	432	18	(	(	PUNCT
easat-5815	432	19	npf	npf	PROPN
easat-5815	432	20	)	)	PUNCT
easat-5815	432	21	.	.	PUNCT
easat-5815	433	1	amidst	amidst	ADP
easat-5815	433	2	the	the	DET
easat-5815	433	3	ongoing	ongoing	ADJ
easat-5815	433	4	covid-19	covid-19	PROPN
easat-5815	433	5	pandemic	pandemic	NOUN
easat-5815	433	6	,	,	PUNCT
easat-5815	433	7	banks	bank	NOUN
easat-5815	433	8	must	must	AUX
easat-5815	433	9	proactively	proactively	ADV
easat-5815	433	10	mitigate	mitigate	VERB
easat-5815	433	11	risks	risk	NOUN
easat-5815	433	12	by	by	ADP
easat-5815	433	13	bolstering	bolster	VERB
easat-5815	433	14	liquidity	liquidity	NOUN
easat-5815	433	15	,	,	PUNCT
easat-5815	433	16	restructuring	restructuring	NOUN
easat-5815	433	17	,	,	PUNCT
easat-5815	433	18	and	and	CCONJ
easat-5815	433	19	adapting	adapt	VERB
easat-5815	433	20	strategic	strategic	ADJ
easat-5815	433	21	initiatives	initiative	NOUN
easat-5815	433	22	.	.	PUNCT
easat-5815	434	1	furthermore	furthermore	ADV
easat-5815	434	2	,	,	PUNCT
easat-5815	434	3	consolidation	consolidation	NOUN
easat-5815	434	4	of	of	ADP
easat-5815	434	5	islamic	islamic	ADJ
easat-5815	434	6	banks	bank	NOUN
easat-5815	434	7	with	with	ADP
easat-5815	434	8	state	state	NOUN
easat-5815	434	9	-	-	PUNCT
easat-5815	434	10	owned	own	VERB
easat-5815	434	11	bank	bank	NOUN
easat-5815	434	12	subsidiaries	subsidiary	NOUN
easat-5815	434	13	presents	present	VERB
easat-5815	434	14	an	an	DET
easat-5815	434	15	alternative	alternative	ADJ
easat-5815	434	16	solution	solution	NOUN
easat-5815	434	17	.	.	PUNCT
easat-5815	435	1	to	to	PART
easat-5815	435	2	mitigate	mitigate	VERB
easat-5815	435	3	the	the	DET
easat-5815	435	4	adverse	adverse	ADJ
easat-5815	435	5	effects	effect	NOUN
easat-5815	435	6	of	of	ADP
easat-5815	435	7	the	the	DET
easat-5815	435	8	pandemic	pandemic	NOUN
easat-5815	435	9	,	,	PUNCT
easat-5815	435	10	it	it	PRON
easat-5815	435	11	is	be	AUX
easat-5815	435	12	imperative	imperative	ADJ
easat-5815	435	13	that	that	SCONJ
easat-5815	435	14	the	the	DET
easat-5815	435	15	government	government	NOUN
easat-5815	435	16	and	and	CCONJ
easat-5815	435	17	all	all	DET
easat-5815	435	18	stakeholders	stakeholder	NOUN
easat-5815	435	19	collaborate	collaborate	VERB
easat-5815	435	20	to	to	PART
easat-5815	435	21	prevent	prevent	VERB
easat-5815	435	22	substantial	substantial	ADJ
easat-5815	435	23	losses	loss	NOUN
easat-5815	435	24	to	to	ADP
easat-5815	435	25	both	both	DET
easat-5815	435	26	human	human	ADJ
easat-5815	435	27	life	life	NOUN
easat-5815	435	28	and	and	CCONJ
easat-5815	435	29	the	the	DET
easat-5815	435	30	national	national	ADJ
easat-5815	435	31	economy	economy	NOUN
easat-5815	435	32	.	.	PUNCT
easat-5815	436	1	this	this	DET
easat-5815	436	2	opinion	opinion	NOUN
easat-5815	436	3	is	be	AUX
easat-5815	436	4	based	base	VERB
easat-5815	436	5	on	on	ADP
easat-5815	436	6	the	the	DET
easat-5815	436	7	results	result	NOUN
easat-5815	436	8	of	of	ADP
easat-5815	436	9	research	research	NOUN
easat-5815	436	10	during	during	ADP
easat-5815	436	11	the	the	DET
easat-5815	436	12	covid-19	covid-19	PROPN
easat-5815	436	13	pandemic	pandemic	NOUN
easat-5815	436	14	,	,	PUNCT
easat-5815	436	15	however	however	ADV
easat-5815	436	16	,	,	PUNCT
easat-5815	436	17	risk	risk	NOUN
easat-5815	436	18	mitigation	mitigation	NOUN
easat-5815	436	19	is	be	AUX
easat-5815	436	20	something	something	PRON
easat-5815	436	21	that	that	PRON
easat-5815	436	22	must	must	AUX
easat-5815	436	23	be	be	AUX
easat-5815	436	24	done	do	VERB
easat-5815	436	25	by	by	ADP
easat-5815	436	26	all	all	DET
easat-5815	436	27	stakeholders	stakeholder	NOUN
easat-5815	436	28	interested	interested	ADJ
easat-5815	436	29	in	in	ADP
easat-5815	436	30	the	the	DET
easat-5815	436	31	progress	progress	NOUN
easat-5815	436	32	of	of	ADP
easat-5815	436	33	islamic	islamic	ADJ
easat-5815	436	34	banking	banking	NOUN
easat-5815	436	35	in	in	ADP
easat-5815	436	36	general	general	ADJ
easat-5815	436	37	.	.	PUNCT
easat-5815	437	1	6	6	X
easat-5815	437	2	.	.	X
easat-5815	437	3	conclusion	conclusion	NOUN
easat-5815	437	4	the	the	DET
easat-5815	437	5	results	result	NOUN
easat-5815	437	6	suggest	suggest	VERB
easat-5815	437	7	that	that	SCONJ
easat-5815	437	8	financing	financing	NOUN
easat-5815	437	9	decisions	decision	NOUN
easat-5815	437	10	significantly	significantly	ADV
easat-5815	437	11	influence	influence	VERB
easat-5815	437	12	financial	financial	ADJ
easat-5815	437	13	performance	performance	NOUN
easat-5815	437	14	outcome	outcome	NOUN
easat-5815	437	15	,	,	PUNCT
easat-5815	437	16	so	so	ADV
easat-5815	437	17	strategic	strategic	ADJ
easat-5815	437	18	considerations	consideration	NOUN
easat-5815	437	19	are	be	AUX
easat-5815	437	20	needed	need	VERB
easat-5815	437	21	.	.	PUNCT
easat-5815	438	1	funding	funding	NOUN
easat-5815	438	2	and	and	CCONJ
easat-5815	438	3	optimizing	optimize	VERB
easat-5815	438	4	financial	financial	ADJ
easat-5815	438	5	performance	performance	NOUN
easat-5815	438	6	through	through	ADP
easat-5815	438	7	effective	effective	ADJ
easat-5815	438	8	risk	risk	NOUN
easat-5815	438	9	management	management	NOUN
easat-5815	438	10	:	:	PUNCT
easat-5815	438	11	the	the	DET
easat-5815	438	12	relationship	relationship	NOUN
easat-5815	438	13	between	between	ADP
easat-5815	438	14	operating	operating	NOUN
easat-5815	438	15	costs	cost	NOUN
easat-5815	438	16	and	and	CCONJ
easat-5815	438	17	operating	operating	NOUN
easat-5815	438	18	income	income	NOUN
easat-5815	438	19	,	,	PUNCT
easat-5815	438	20	it	it	PRON
easat-5815	438	21	is	be	AUX
easat-5815	438	22	concluded	conclude	VERB
easat-5815	438	23	that	that	SCONJ
easat-5815	438	24	financing	financing	NOUN
easat-5815	438	25	on	on	ADP
easat-5815	438	26	funding	funding	NOUN
easat-5815	438	27	has	have	VERB
easat-5815	438	28	a	a	DET
easat-5815	438	29	significant	significant	ADJ
easat-5815	438	30	influence	influence	NOUN
easat-5815	438	31	on	on	ADP
easat-5815	438	32	risk	risk	NOUN
easat-5815	438	33	management	management	NOUN
easat-5815	438	34	,	,	PUNCT
easat-5815	438	35	this	this	DET
easat-5815	438	36	study	study	NOUN
easat-5815	438	37	finds	find	VERB
easat-5815	438	38	no	no	DET
easat-5815	438	39	empirical	empirical	ADJ
easat-5815	438	40	evidence	evidence	NOUN
easat-5815	438	41	supporting	support	VERB
easat-5815	438	42	a	a	DET
easat-5815	438	43	significant	significant	ADJ
easat-5815	438	44	relationship	relationship	NOUN
easat-5815	438	45	between	between	ADP
easat-5815	438	46	operating	operating	NOUN
easat-5815	438	47	costs	cost	NOUN
easat-5815	438	48	,	,	PUNCT
easat-5815	438	49	operating	operate	VERB
easat-5815	438	50	income	income	NOUN
easat-5815	438	51	,	,	PUNCT
easat-5815	438	52	and	and	CCONJ
easat-5815	438	53	risk	risk	NOUN
easat-5815	438	54	management	management	NOUN
easat-5815	438	55	strategies	strategy	NOUN
easat-5815	438	56	.	.	PUNCT
easat-5815	439	1	financial	financial	ADJ
easat-5815	439	2	performance	performance	NOUN
easat-5815	439	3	is	be	AUX
easat-5815	439	4	significantly	significantly	ADV
easat-5815	439	5	influenced	influence	VERB
easat-5815	439	6	by	by	ADP
easat-5815	439	7	financing	financing	NOUN
easat-5815	439	8	/	/	SYM
easat-5815	439	9	funding	funding	NOUN
easat-5815	439	10	decisions	decision	NOUN
easat-5815	439	11	and	and	CCONJ
easat-5815	439	12	the	the	DET
easat-5815	439	13	management	management	NOUN
easat-5815	439	14	of	of	ADP
easat-5815	439	15	operating	operating	NOUN
easat-5815	439	16	costs	cost	NOUN
easat-5815	439	17	relative	relative	ADJ
easat-5815	439	18	to	to	ADP
easat-5815	439	19	operating	operate	VERB
easat-5815	439	20	income	income	NOUN
easat-5815	439	21	,	,	PUNCT
easat-5815	439	22	the	the	DET
easat-5815	439	23	implementation	implementation	NOUN
easat-5815	439	24	of	of	ADP
easat-5815	439	25	risk	risk	NOUN
easat-5815	439	26	management	management	NOUN
easat-5815	439	27	strategies	strategy	NOUN
easat-5815	439	28	has	have	VERB
easat-5815	439	29	a	a	DET
easat-5815	439	30	profound	profound	ADJ
easat-5815	439	31	and	and	CCONJ
easat-5815	439	32	statistically	statistically	ADV
easat-5815	439	33	significant	significant	ADJ
easat-5815	439	34	positive	positive	ADJ
easat-5815	439	35	effect	effect	NOUN
easat-5815	439	36	on	on	ADP
easat-5815	439	37	financial	financial	ADJ
easat-5815	439	38	performance	performance	NOUN
easat-5815	439	39	,	,	PUNCT
easat-5815	439	40	the	the	DET
easat-5815	439	41	relationship	relationship	NOUN
easat-5815	439	42	between	between	ADP
easat-5815	439	43	financing	financing	NOUN
easat-5815	439	44	/	/	SYM
easat-5815	439	45	funding	funding	NOUN
easat-5815	439	46	and	and	CCONJ
easat-5815	439	47	financial	financial	ADJ
easat-5815	439	48	performance	performance	NOUN
easat-5815	439	49	,	,	PUNCT
easat-5815	439	50	and	and	CCONJ
easat-5815	439	51	operating	operating	NOUN
easat-5815	439	52	costs	cost	NOUN
easat-5815	439	53	and	and	CCONJ
easat-5815	439	54	operating	operating	NOUN
easat-5815	439	55	income	income	NOUN
easat-5815	439	56	,	,	PUNCT
easat-5815	439	57	is	be	AUX
easat-5815	439	58	influenced	influence	VERB
easat-5815	439	59	by	by	ADP
easat-5815	439	60	risk	risk	NOUN
easat-5815	439	61	management	management	NOUN
easat-5815	439	62	,	,	PUNCT
easat-5815	439	63	and	and	CCONJ
easat-5815	439	64	financial	financial	ADJ
easat-5815	439	65	performance	performance	NOUN
easat-5815	439	66	is	be	AUX
easat-5815	439	67	not	not	PART
easat-5815	439	68	significantly	significantly	ADV
easat-5815	439	69	mediated	mediate	VERB
easat-5815	439	70	by	by	ADP
easat-5815	439	71	risk	risk	NOUN
easat-5815	439	72	management	management	NOUN
easat-5815	439	73	.	.	PUNCT
easat-5815	440	1	improving	improve	VERB
easat-5815	440	2	the	the	DET
easat-5815	440	3	performance	performance	NOUN
easat-5815	440	4	of	of	ADP
easat-5815	440	5	islamic	islamic	ADJ
easat-5815	440	6	banking	banking	NOUN
easat-5815	440	7	business	business	NOUN
easat-5815	440	8	units	unit	NOUN
easat-5815	440	9	requires	require	VERB
easat-5815	440	10	harmonious	harmonious	ADJ
easat-5815	440	11	collaboration	collaboration	NOUN
easat-5815	440	12	between	between	ADP
easat-5815	440	13	effective	effective	ADJ
easat-5815	440	14	governance	governance	NOUN
easat-5815	440	15	and	and	CCONJ
easat-5815	440	16	integrated	integrate	VERB
easat-5815	440	17	risk	risk	NOUN
easat-5815	440	18	management	management	NOUN
easat-5815	440	19	.	.	PUNCT
easat-5815	441	1	solid	solid	ADJ
easat-5815	441	2	risk	risk	NOUN
easat-5815	441	3	governance	governance	NOUN
easat-5815	441	4	,	,	PUNCT
easat-5815	441	5	effective	effective	ADJ
easat-5815	441	6	islamic	islamic	ADJ
easat-5815	441	7	banking	banking	NOUN
easat-5815	441	8	governance	governance	NOUN
easat-5815	441	9	necessitates	necessitate	VERB
easat-5815	441	10	robust	robust	ADJ
easat-5815	441	11	dps	dps	NOUN
easat-5815	441	12	oversight	oversight	NOUN
easat-5815	441	13	and	and	CCONJ
easat-5815	441	14	expert	expert	ADJ
easat-5815	441	15	audit	audit	PROPN
easat-5815	441	16	committee	committee	NOUN
easat-5815	441	17	guidance	guidance	NOUN
easat-5815	441	18	,	,	PUNCT
easat-5815	441	19	is	be	AUX
easat-5815	441	20	the	the	DET
easat-5815	441	21	main	main	ADJ
easat-5815	441	22	foundation	foundation	NOUN
easat-5815	441	23	in	in	ADP
easat-5815	441	24	ensuring	ensure	VERB
easat-5815	441	25	that	that	SCONJ
easat-5815	441	26	risk	risk	NOUN
easat-5815	441	27	management	management	NOUN
easat-5815	441	28	runs	run	VERB
easat-5815	441	29	optimally	optimally	ADV
easat-5815	441	30	.	.	PUNCT
easat-5815	442	1	adopting	adopt	VERB
easat-5815	442	2	diversified	diversified	ADJ
easat-5815	442	3	funding	funding	NOUN
easat-5815	442	4	sources	source	NOUN
easat-5815	442	5	and	and	CCONJ
easat-5815	442	6	transparency	transparency	NOUN
easat-5815	442	7	measures	measure	NOUN
easat-5815	442	8	effectively	effectively	ADV
easat-5815	442	9	mitigates	mitigate	VERB
easat-5815	442	10	liquidity	liquidity	NOUN
easat-5815	442	11	risks	risk	NOUN
easat-5815	442	12	,	,	PUNCT
easat-5815	442	13	ensuring	ensure	VERB
easat-5815	442	14	islamic	islamic	ADJ
easat-5815	442	15	banks	bank	NOUN
easat-5815	442	16	'	'	PART
easat-5815	442	17	longterm	longterm	PROPN
easat-5815	442	18	viability	viability	NOUN
easat-5815	442	19	.	.	PUNCT
easat-5815	443	1	the	the	DET
easat-5815	443	2	application	application	NOUN
easat-5815	443	3	of	of	ADP
easat-5815	443	4	good	good	ADJ
easat-5815	443	5	corporate	corporate	ADJ
easat-5815	443	6	governance	governance	NOUN
easat-5815	443	7	(	(	PUNCT
easat-5815	443	8	gcg	gcg	NOUN
easat-5815	443	9	)	)	PUNCT
easat-5815	443	10	principles	principle	NOUN
easat-5815	443	11	aligned	align	VERB
easat-5815	443	12	with	with	ADP
easat-5815	443	13	adequate	adequate	ADJ
easat-5815	443	14	risk	risk	NOUN
easat-5815	443	15	management	management	NOUN
easat-5815	443	16	practices	practice	NOUN
easat-5815	443	17	has	have	AUX
easat-5815	443	18	been	be	AUX
easat-5815	443	19	proven	prove	VERB
easat-5815	443	20	to	to	PART
easat-5815	443	21	reduce	reduce	VERB
easat-5815	443	22	potential	potential	ADJ
easat-5815	443	23	risks	risk	NOUN
easat-5815	443	24	,	,	PUNCT
easat-5815	443	25	optimize	optimize	VERB
easat-5815	443	26	financial	financial	ADJ
easat-5815	443	27	performance	performance	NOUN
easat-5815	443	28	metrics	metric	NOUN
easat-5815	443	29	,	,	PUNCT
easat-5815	443	30	including	include	VERB
easat-5815	443	31	roa	roa	NOUN
easat-5815	443	32	and	and	CCONJ
easat-5815	443	33	maintain	maintain	VERB
easat-5815	443	34	compliance	compliance	NOUN
easat-5815	443	35	with	with	ADP
easat-5815	443	36	sharia	sharia	PROPN
easat-5815	443	37	principles	principle	NOUN
easat-5815	443	38	.	.	PUNCT
easat-5815	444	1	types	type	NOUN
easat-5815	444	2	of	of	ADP
easat-5815	444	3	financing	financing	NOUN
easat-5815	444	4	such	such	ADJ
easat-5815	444	5	as	as	ADP
easat-5815	444	6	mudharaba	mudharaba	NOUN
easat-5815	444	7	,	,	PUNCT
easat-5815	444	8	musharaka	musharaka	NOUN
easat-5815	444	9	,	,	PUNCT
easat-5815	444	10	and	and	CCONJ
easat-5815	444	11	murabaha	murabaha	VERB
easat-5815	444	12	,	,	PUNCT
easat-5815	444	13	when	when	SCONJ
easat-5815	444	14	managed	manage	VERB
easat-5815	444	15	with	with	ADP
easat-5815	444	16	effective	effective	ADJ
easat-5815	444	17	risk	risk	NOUN
easat-5815	444	18	management	management	NOUN
easat-5815	444	19	,	,	PUNCT
easat-5815	444	20	are	be	AUX
easat-5815	444	21	able	able	ADJ
easat-5815	444	22	to	to	PART
easat-5815	444	23	make	make	VERB
easat-5815	444	24	a	a	DET
easat-5815	444	25	significant	significant	ADJ
easat-5815	444	26	contribution	contribution	NOUN
easat-5815	444	27	to	to	ADP
easat-5815	444	28	improving	improve	VERB
easat-5815	444	29	financial	financial	ADJ
easat-5815	444	30	performance	performance	NOUN
easat-5815	444	31	.	.	PUNCT
easat-5815	445	1	through	through	ADP
easat-5815	445	2	the	the	DET
easat-5815	445	3	right	right	ADJ
easat-5815	445	4	strategy	strategy	NOUN
easat-5815	445	5	,	,	PUNCT
easat-5815	445	6	islamic	islamic	ADJ
easat-5815	445	7	banks	bank	NOUN
easat-5815	445	8	are	be	AUX
easat-5815	445	9	able	able	ADJ
easat-5815	445	10	to	to	PART
easat-5815	445	11	face	face	VERB
easat-5815	445	12	internal	internal	ADJ
easat-5815	445	13	and	and	CCONJ
easat-5815	445	14	external	external	ADJ
easat-5815	445	15	challenges	challenge	NOUN
easat-5815	445	16	,	,	PUNCT
easat-5815	445	17	including	include	VERB
easat-5815	445	18	competition	competition	NOUN
easat-5815	445	19	with	with	ADP
easat-5815	445	20	conventional	conventional	ADJ
easat-5815	445	21	banks	bank	NOUN
easat-5815	445	22	and	and	CCONJ
easat-5815	445	23	market	market	NOUN
easat-5815	445	24	dynamics	dynamic	NOUN
easat-5815	445	25	,	,	PUNCT
easat-5815	445	26	while	while	SCONJ
easat-5815	445	27	remaining	remain	VERB
easat-5815	445	28	consistent	consistent	ADJ
easat-5815	445	29	with	with	ADP
easat-5815	445	30	sharia	sharia	PROPN
easat-5815	445	31	values	value	NOUN
easat-5815	445	32	.	.	PUNCT
easat-5815	446	1	overall	overall	ADV
easat-5815	446	2	,	,	PUNCT
easat-5815	446	3	this	this	DET
easat-5815	446	4	optimization	optimization	NOUN
easat-5815	446	5	step	step	VERB
easat-5815	446	6	not	not	PART
easat-5815	446	7	only	only	ADV
easat-5815	446	8	supports	support	VERB
easat-5815	446	9	financial	financial	ADJ
easat-5815	446	10	growth	growth	NOUN
easat-5815	446	11	,	,	PUNCT
easat-5815	446	12	but	but	CCONJ
easat-5815	446	13	also	also	ADV
easat-5815	446	14	ensures	ensure	VERB
easat-5815	446	15	the	the	DET
easat-5815	446	16	sustainability	sustainability	NOUN
easat-5815	446	17	,	,	PUNCT
easat-5815	446	18	inclusivity	inclusivity	NOUN
easat-5815	446	19	,	,	PUNCT
easat-5815	446	20	and	and	CCONJ
easat-5815	446	21	competitiveness	competitiveness	NOUN
easat-5815	446	22	of	of	ADP
easat-5815	446	23	the	the	DET
easat-5815	446	24	islamic	islamic	ADJ
easat-5815	446	25	banking	banking	NOUN
easat-5815	446	26	sector	sector	NOUN
easat-5815	446	27	for	for	ADP
easat-5815	446	28	the	the	DET
easat-5815	446	29	long	long	ADJ
easat-5815	446	30	term	term	NOUN
easat-5815	446	31	.	.	PUNCT
easat-5815	447	1	6.1	6.1	NUM
easat-5815	447	2	suggestion	suggestion	NOUN
easat-5815	447	3	here	here	ADV
easat-5815	447	4	are	be	AUX
easat-5815	447	5	some	some	DET
easat-5815	447	6	suggestions	suggestion	NOUN
easat-5815	447	7	based	base	VERB
easat-5815	447	8	on	on	ADP
easat-5815	447	9	the	the	DET
easat-5815	447	10	conclusions	conclusion	NOUN
easat-5815	447	11	of	of	ADP
easat-5815	447	12	the	the	DET
easat-5815	447	13	research	research	NOUN
easat-5815	447	14	,	,	PUNCT
easat-5815	447	15	which	which	PRON
easat-5815	447	16	include	include	VERB
easat-5815	447	17	managerial	managerial	ADJ
easat-5815	447	18	advice	advice	NOUN
easat-5815	447	19	,	,	PUNCT
easat-5815	447	20	then	then	ADV
easat-5815	447	21	sharia	sharia	PROPN
easat-5815	447	22	business	business	NOUN
easat-5815	447	23	units	unit	NOUN
easat-5815	447	24	must	must	AUX
easat-5815	447	25	be	be	AUX
easat-5815	447	26	able	able	ADJ
easat-5815	447	27	to	to	PART
easat-5815	447	28	optimize	optimize	VERB
easat-5815	447	29	the	the	DET
easat-5815	447	30	financing	financing	NOUN
easat-5815	447	31	structure	structure	NOUN
easat-5815	447	32	to	to	PART
easat-5815	447	33	reduce	reduce	VERB
easat-5815	447	34	financial	financial	ADJ
easat-5815	447	35	risks	risk	NOUN
easat-5815	447	36	,	,	PUNCT
easat-5815	447	37	develop	develop	VERB
easat-5815	447	38	effective	effective	ADJ
easat-5815	447	39	risk	risk	NOUN
easat-5815	447	40	management	management	NOUN
easat-5815	447	41	strategies	strategy	NOUN
easat-5815	447	42	,	,	PUNCT
easat-5815	447	43	monitor	monitor	VERB
easat-5815	447	44	financial	financial	ADJ
easat-5815	447	45	performance	performance	NOUN
easat-5815	447	46	regularly	regularly	ADV
easat-5815	447	47	,	,	PUNCT
easat-5815	447	48	optimize	optimize	VERB
easat-5815	447	49	operational	operational	ADJ
easat-5815	447	50	expenditure	expenditure	NOUN
easat-5815	447	51	productivity	productivity	NOUN
easat-5815	447	52	.	.	PUNCT
easat-5815	448	1	key	key	ADJ
easat-5815	448	2	strategic	strategic	ADJ
easat-5815	448	3	suggestions	suggestion	NOUN
easat-5815	448	4	encompass	encompass	VERB
easat-5815	448	5	risk	risk	NOUN
easat-5815	448	6	management	management	NOUN
easat-5815	448	7	integration	integration	NOUN
easat-5815	448	8	,	,	PUNCT
easat-5815	448	9	sophisticated	sophisticated	ADJ
easat-5815	448	10	risk	risk	NOUN
easat-5815	448	11	modeling	modeling	NOUN
easat-5815	448	12	,	,	PUNCT
easat-5815	448	13	and	and	CCONJ
easat-5815	448	14	capacity	capacity	NOUN
easat-5815	448	15	building	building	NOUN
easat-5815	448	16	for	for	ADP
easat-5815	448	17	sharia	sharia	PROPN
easat-5815	448	18	business	business	PROPN
easat-5815	448	19	unit	unit	NOUN
easat-5815	448	20	teams	team	NOUN
easat-5815	448	21	in	in	ADP
easat-5815	448	22	relation	relation	NOUN
easat-5815	448	23	to	to	ADP
easat-5815	448	24	operational	operational	ADJ
easat-5815	448	25	advice	advice	NOUN
easat-5815	448	26	and	and	CCONJ
easat-5815	448	27	policies	policy	NOUN
easat-5815	448	28	,	,	PUNCT
easat-5815	448	29	it	it	PRON
easat-5815	448	30	is	be	AUX
easat-5815	448	31	necessary	necessary	ADJ
easat-5815	448	32	to	to	PART
easat-5815	448	33	implement	implement	VERB
easat-5815	448	34	an	an	DET
easat-5815	448	35	effective	effective	ADJ
easat-5815	448	36	risk	risk	NOUN
easat-5815	448	37	management	management	NOUN
easat-5815	448	38	system	system	NOUN
easat-5815	448	39	,	,	PUNCT
easat-5815	448	40	monitor	monitor	VERB
easat-5815	448	41	and	and	CCONJ
easat-5815	448	42	evaluate	evaluate	VERB
easat-5815	448	43	financial	financial	ADJ
easat-5815	448	44	2433	2433	NUM
easat-5815	448	45	edelweiss	edelweiss	PROPN
easat-5815	448	46	applied	apply	VERB
easat-5815	448	47	science	science	NOUN
easat-5815	448	48	and	and	CCONJ
easat-5815	448	49	technology	technology	NOUN
easat-5815	448	50	issn	issn	PROPN
easat-5815	448	51	:	:	PUNCT
easat-5815	448	52	2576	2576	NUM
easat-5815	448	53	-	-	SYM
easat-5815	448	54	8484	8484	NUM
easat-5815	448	55	vol	vol	NOUN
easat-5815	448	56	.	.	PROPN
easat-5815	449	1	9	9	NUM
easat-5815	449	2	,	,	PUNCT
easat-5815	449	3	no	no	INTJ
easat-5815	449	4	.	.	NOUN
easat-5815	450	1	3	3	NUM
easat-5815	450	2	:	:	SYM
easat-5815	450	3	2413	2413	NUM
easat-5815	450	4	-	-	SYM
easat-5815	450	5	2434	2434	NUM
easat-5815	450	6	,	,	PUNCT
easat-5815	450	7	2025	2025	NUM
easat-5815	450	8	doi	doi	NOUN
easat-5815	450	9	:	:	PUNCT
easat-5815	450	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
easat-5815	450	11	©	©	PROPN
easat-5815	450	12	2025	2025	NUM
easat-5815	450	13	by	by	ADP
easat-5815	450	14	the	the	DET
easat-5815	450	15	author	author	NOUN
easat-5815	450	16	;	;	PUNCT
easat-5815	450	17	licensee	licensee	PROPN
easat-5815	450	18	learning	learning	NOUN
easat-5815	450	19	gate	gate	PROPN
easat-5815	450	20	performance	performance	NOUN
easat-5815	450	21	periodically	periodically	ADV
easat-5815	450	22	,	,	PUNCT
easat-5815	450	23	and	and	CCONJ
easat-5815	450	24	optimize	optimize	VERB
easat-5815	450	25	the	the	DET
easat-5815	450	26	use	use	NOUN
easat-5815	450	27	of	of	ADP
easat-5815	450	28	technology	technology	NOUN
easat-5815	450	29	to	to	PART
easat-5815	450	30	reduce	reduce	VERB
easat-5815	450	31	risks	risk	NOUN
easat-5815	450	32	from	from	ADP
easat-5815	450	33	the	the	DET
easat-5815	450	34	management	management	NOUN
easat-5815	450	35	of	of	ADP
easat-5815	450	36	sharia	sharia	PROPN
easat-5815	450	37	business	business	NOUN
easat-5815	450	38	units	unit	NOUN
easat-5815	450	39	.	.	PUNCT
easat-5815	451	1	as	as	ADP
easat-5815	451	2	for	for	ADP
easat-5815	451	3	the	the	DET
easat-5815	451	4	follow	follow	VERB
easat-5815	451	5	-	-	PUNCT
easat-5815	451	6	up	up	ADP
easat-5815	451	7	research	research	NOUN
easat-5815	451	8	suggestions	suggestion	NOUN
easat-5815	451	9	,	,	PUNCT
easat-5815	451	10	to	to	PART
easat-5815	451	11	further	far	ADV
easat-5815	451	12	advance	advance	VERB
easat-5815	451	13	this	this	DET
easat-5815	451	14	research	research	NOUN
easat-5815	451	15	,	,	PUNCT
easat-5815	451	16	it	it	PRON
easat-5815	451	17	is	be	AUX
easat-5815	451	18	recommended	recommend	VERB
easat-5815	451	19	to	to	PART
easat-5815	451	20	investigate	investigate	VERB
easat-5815	451	21	the	the	DET
easat-5815	451	22	effects	effect	NOUN
easat-5815	451	23	of	of	ADP
easat-5815	451	24	other	other	ADJ
easat-5815	451	25	variables	variable	NOUN
easat-5815	451	26	on	on	ADP
easat-5815	451	27	financial	financial	ADJ
easat-5815	451	28	performance	performance	NOUN
easat-5815	451	29	and	and	CCONJ
easat-5815	451	30	compare	compare	VERB
easat-5815	451	31	risk	risk	NOUN
easat-5815	451	32	management	management	NOUN
easat-5815	451	33	strategies	strategy	NOUN
easat-5815	451	34	across	across	ADP
easat-5815	451	35	different	different	ADJ
easat-5815	451	36	industries	industry	NOUN
easat-5815	451	37	,	,	PUNCT
easat-5815	451	38	subsequent	subsequent	ADJ
easat-5815	451	39	researchers	researcher	NOUN
easat-5815	451	40	are	be	AUX
easat-5815	451	41	encouraged	encourage	VERB
easat-5815	451	42	to	to	PART
easat-5815	451	43	develop	develop	VERB
easat-5815	451	44	an	an	DET
easat-5815	451	45	empirical	empirical	ADJ
easat-5815	451	46	financial	financial	ADJ
easat-5815	451	47	performance	performance	NOUN
easat-5815	451	48	forecasting	forecasting	NOUN
easat-5815	451	49	framework	framework	NOUN
easat-5815	451	50	.	.	PUNCT
easat-5815	452	1	transparency	transparency	NOUN
easat-5815	452	2	:	:	PUNCT
easat-5815	452	3	the	the	DET
easat-5815	452	4	author	author	NOUN
easat-5815	452	5	confirms	confirm	VERB
easat-5815	452	6	that	that	SCONJ
easat-5815	452	7	the	the	DET
easat-5815	452	8	manuscript	manuscript	NOUN
easat-5815	452	9	is	be	AUX
easat-5815	452	10	an	an	DET
easat-5815	452	11	honest	honest	ADJ
easat-5815	452	12	,	,	PUNCT
easat-5815	452	13	accurate	accurate	ADJ
easat-5815	452	14	,	,	PUNCT
easat-5815	452	15	and	and	CCONJ
easat-5815	452	16	transparent	transparent	ADJ
easat-5815	452	17	account	account	NOUN
easat-5815	452	18	of	of	ADP
easat-5815	452	19	the	the	DET
easat-5815	452	20	study	study	NOUN
easat-5815	452	21	;	;	PUNCT
easat-5815	452	22	that	that	SCONJ
easat-5815	452	23	no	no	DET
easat-5815	452	24	vital	vital	ADJ
easat-5815	452	25	features	feature	NOUN
easat-5815	452	26	of	of	ADP
easat-5815	452	27	the	the	DET
easat-5815	452	28	study	study	NOUN
easat-5815	452	29	have	have	AUX
easat-5815	452	30	been	be	AUX
easat-5815	452	31	omitted	omit	VERB
easat-5815	452	32	;	;	PUNCT
easat-5815	452	33	and	and	CCONJ
easat-5815	452	34	that	that	SCONJ
easat-5815	452	35	any	any	DET
easat-5815	452	36	discrepancies	discrepancy	NOUN
easat-5815	452	37	from	from	ADP
easat-5815	452	38	the	the	DET
easat-5815	452	39	study	study	NOUN
easat-5815	452	40	as	as	SCONJ
easat-5815	452	41	planned	plan	VERB
easat-5815	452	42	have	have	AUX
easat-5815	452	43	been	be	AUX
easat-5815	452	44	explained	explain	VERB
easat-5815	452	45	.	.	PUNCT
easat-5815	453	1	this	this	DET
easat-5815	453	2	study	study	NOUN
easat-5815	453	3	followed	follow	VERB
easat-5815	453	4	all	all	DET
easat-5815	453	5	ethical	ethical	ADJ
easat-5815	453	6	practices	practice	NOUN
easat-5815	453	7	during	during	ADP
easat-5815	453	8	writing	writing	NOUN
easat-5815	453	9	.	.	PUNCT
easat-5815	454	1	copyright	copyright	NOUN
easat-5815	454	2	:	:	PUNCT
easat-5815	454	3	©	©	PROPN
easat-5815	454	4	2025	2025	NUM
easat-5815	454	5	by	by	ADP
easat-5815	454	6	the	the	DET
easat-5815	454	7	authors	author	NOUN
easat-5815	454	8	.	.	PUNCT
easat-5815	455	1	this	this	DET
easat-5815	455	2	open	open	ADJ
easat-5815	455	3	-	-	PUNCT
easat-5815	455	4	access	access	NOUN
easat-5815	455	5	article	article	NOUN
easat-5815	455	6	is	be	AUX
easat-5815	455	7	distributed	distribute	VERB
easat-5815	455	8	under	under	ADP
easat-5815	455	9	the	the	DET
easat-5815	455	10	terms	term	NOUN
easat-5815	455	11	and	and	CCONJ
easat-5815	455	12	conditions	condition	NOUN
easat-5815	455	13	of	of	ADP
easat-5815	455	14	the	the	DET
easat-5815	455	15	creative	creative	ADJ
easat-5815	455	16	commons	common	NOUN
easat-5815	455	17	attribution	attribution	NOUN
easat-5815	455	18	(	(	PUNCT
easat-5815	455	19	cc	cc	NOUN
easat-5815	455	20	by	by	ADP
easat-5815	455	21	)	)	PUNCT
easat-5815	455	22	license	license	NOUN
easat-5815	455	23	(	(	PUNCT
easat-5815	455	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5815	455	25	)	)	PUNCT
easat-5815	455	26	.	.	PUNCT
easat-5815	456	1	references	reference	NOUN
easat-5815	456	2	[	[	X
easat-5815	456	3	1	1	NUM
easat-5815	456	4	]	]	PUNCT
easat-5815	456	5	law	law	NOUN
easat-5815	456	6	number	number	NOUN
easat-5815	456	7	9	9	NUM
easat-5815	456	8	of	of	ADP
easat-5815	456	9	1998	1998	NUM
easat-5815	456	10	concerning	concern	VERB
easat-5815	456	11	banking	banking	NOUN
easat-5815	456	12	,	,	PUNCT
easat-5815	456	13	"	"	PUNCT
easat-5815	456	14	law	law	NOUN
easat-5815	456	15	number	number	NOUN
easat-5815	456	16	9	9	NUM
easat-5815	456	17	of	of	ADP
easat-5815	456	18	1998	1998	NUM
easat-5815	456	19	concerning	concern	VERB
easat-5815	456	20	banking	banking	NOUN
easat-5815	456	21	.	.	PUNCT
easat-5815	457	1	indonesia	indonesia	PROPN
easat-5815	457	2	,	,	PUNCT
easat-5815	457	3	"	"	PUNCT
easat-5815	457	4	1998	1998	NUM
easat-5815	457	5	.	.	PUNCT
easat-5815	458	1	[	[	X
easat-5815	458	2	2	2	NUM
easat-5815	458	3	]	]	PUNCT
easat-5815	458	4	law	law	NOUN
easat-5815	458	5	number	number	NOUN
easat-5815	458	6	21	21	NUM
easat-5815	458	7	of	of	ADP
easat-5815	458	8	2008	2008	NUM
easat-5815	458	9	concerning	concern	VERB
easat-5815	458	10	sharia	sharia	PROPN
easat-5815	458	11	banking	banking	NOUN
easat-5815	458	12	,	,	PUNCT
easat-5815	458	13	"	"	PUNCT
easat-5815	458	14	indonesia	indonesia	PROPN
easat-5815	458	15	.	.	PUNCT
easat-5815	459	1	state	state	NOUN
easat-5815	459	2	secretariat	secretariat	PROPN
easat-5815	459	3	of	of	ADP
easat-5815	459	4	the	the	DET
easat-5815	459	5	republic	republic	NOUN
easat-5815	459	6	of	of	ADP
easat-5815	459	7	indonesia	indonesia	PROPN
easat-5815	459	8	,	,	PUNCT
easat-5815	459	9	"	"	PUNCT
easat-5815	459	10	2008	2008	NUM
easat-5815	459	11	.	.	PUNCT
easat-5815	460	1	[	[	X
easat-5815	460	2	3	3	X
easat-5815	460	3	]	]	X
easat-5815	460	4	m.	m.	NOUN
easat-5815	460	5	a.	a.	NOUN
easat-5815	460	6	andrianto	andrianto	NOUN
easat-5815	460	7	and	and	CCONJ
easat-5815	460	8	firmansyah	firmansyah	PROPN
easat-5815	460	9	,	,	PUNCT
easat-5815	460	10	sharia	sharia	PROPN
easat-5815	460	11	bank	bank	PROPN
easat-5815	460	12	management	management	NOUN
easat-5815	460	13	:	:	PUNCT
easat-5815	460	14	implementation	implementation	NOUN
easat-5815	460	15	of	of	ADP
easat-5815	460	16	theory	theory	NOUN
easat-5815	460	17	and	and	CCONJ
easat-5815	460	18	practice	practice	NOUN
easat-5815	460	19	.	.	PUNCT
easat-5815	461	1	yogyakarta	yogyakarta	PROPN
easat-5815	461	2	,	,	PUNCT
easat-5815	461	3	indonesia	indonesia	PROPN
easat-5815	461	4	:	:	PUNCT
easat-5815	461	5	cv	cv	PROPN
easat-5815	461	6	publisher	publisher	NOUN
easat-5815	461	7	qiara	qiara	PROPN
easat-5815	461	8	media	medium	NOUN
easat-5815	461	9	,	,	PUNCT
easat-5815	461	10	2019	2019	NUM
easat-5815	461	11	.	.	PUNCT
easat-5815	462	1	[	[	X
easat-5815	462	2	4	4	X
easat-5815	462	3	]	]	PUNCT
easat-5815	462	4	s.	s.	PROPN
easat-5815	462	5	halim	halim	PROPN
easat-5815	462	6	and	and	CCONJ
easat-5815	462	7	m.	m.	PROPN
easat-5815	462	8	t.	t.	PROPN
easat-5815	462	9	l.	l.	PROPN
easat-5815	462	10	buana	buana	PROPN
easat-5815	462	11	,	,	PUNCT
easat-5815	462	12	"	"	PUNCT
easat-5815	462	13	the	the	DET
easat-5815	462	14	influence	influence	NOUN
easat-5815	462	15	of	of	ADP
easat-5815	462	16	non	non	ADJ
easat-5815	462	17	-	-	ADJ
easat-5815	462	18	performed	performed	ADJ
easat-5815	462	19	financing	financing	NOUN
easat-5815	462	20	(	(	PUNCT
easat-5815	462	21	npf	npf	PROPN
easat-5815	462	22	)	)	PUNCT
easat-5815	462	23	,	,	PUNCT
easat-5815	462	24	operational	operational	ADJ
easat-5815	462	25	costs	cost	NOUN
easat-5815	462	26	,	,	PUNCT
easat-5815	462	27	financing	financing	NOUN
easat-5815	462	28	to	to	PART
easat-5815	462	29	deposit	deposit	VERB
easat-5815	462	30	ratio	ratio	NOUN
easat-5815	462	31	(	(	PUNCT
easat-5815	462	32	fdr	fdr	PROPN
easat-5815	462	33	)	)	PUNCT
easat-5815	462	34	and	and	CCONJ
easat-5815	462	35	net	net	ADJ
easat-5815	462	36	operating	operate	VERB
easat-5815	462	37	margin	margin	NOUN
easat-5815	462	38	to	to	PART
easat-5815	462	39	return	return	VERB
easat-5815	462	40	on	on	ADP
easat-5815	462	41	assets	asset	NOUN
easat-5815	462	42	at	at	ADP
easat-5815	462	43	indonesian	indonesian	ADJ
easat-5815	462	44	sharia	sharia	PROPN
easat-5815	462	45	commercial	commercial	ADJ
easat-5815	462	46	banks	bank	NOUN
easat-5815	462	47	,	,	PUNCT
easat-5815	462	48	"	"	PUNCT
easat-5815	462	49	falah	falah	NOUN
easat-5815	462	50	:	:	PUNCT
easat-5815	462	51	jurnal	jurnal	ADJ
easat-5815	462	52	ekonomi	ekonomi	PROPN
easat-5815	462	53	syariah	syariah	PROPN
easat-5815	462	54	,	,	PUNCT
easat-5815	462	55	vol	vol	NOUN
easat-5815	462	56	.	.	PROPN
easat-5815	462	57	6	6	NUM
easat-5815	462	58	,	,	PUNCT
easat-5815	462	59	no	no	INTJ
easat-5815	462	60	.	.	NOUN
easat-5815	462	61	2	2	NUM
easat-5815	462	62	,	,	PUNCT
easat-5815	462	63	pp	pp	ADJ
easat-5815	462	64	.	.	PUNCT
easat-5815	463	1	44	44	NUM
easat-5815	463	2	-	-	SYM
easat-5815	463	3	59	59	NUM
easat-5815	463	4	,	,	PUNCT
easat-5815	463	5	2021	2021	NUM
easat-5815	463	6	.	.	PUNCT
easat-5815	464	1	https://doi.org/10.22219/jes.v6i1.16179	https://doi.org/10.22219/jes.v6i1.16179	PROPN
easat-5815	465	1	[	[	X
easat-5815	465	2	5	5	X
easat-5815	465	3	]	]	PUNCT
easat-5815	465	4	y.	y.	PROPN
easat-5815	465	5	f.	f.	PROPN
easat-5815	465	6	somantri	somantri	PROPN
easat-5815	465	7	and	and	CCONJ
easat-5815	465	8	w.	w.	PROPN
easat-5815	465	9	sukmana	sukmana	PROPN
easat-5815	465	10	,	,	PUNCT
easat-5815	465	11	"	"	PUNCT
easat-5815	465	12	analysis	analysis	NOUN
easat-5815	465	13	of	of	ADP
easat-5815	465	14	factors	factor	NOUN
easat-5815	465	15	affecting	affect	VERB
easat-5815	465	16	financing	financing	NOUN
easat-5815	465	17	to	to	PART
easat-5815	465	18	deposit	deposit	VERB
easat-5815	465	19	ratio	ratio	NOUN
easat-5815	465	20	(	(	PUNCT
easat-5815	465	21	fdr	fdr	PROPN
easat-5815	465	22	)	)	PUNCT
easat-5815	465	23	at	at	ADP
easat-5815	465	24	islamic	islamic	ADJ
easat-5815	465	25	commercial	commercial	ADJ
easat-5815	465	26	banks	bank	NOUN
easat-5815	465	27	in	in	ADP
easat-5815	465	28	indonesia	indonesia	PROPN
easat-5815	465	29	,	,	PUNCT
easat-5815	465	30	"	"	PUNCT
easat-5815	465	31	indonesian	indonesian	ADJ
easat-5815	465	32	accounting	accounting	NOUN
easat-5815	465	33	and	and	CCONJ
easat-5815	465	34	finance	finance	NOUN
easat-5815	465	35	periodic	periodic	ADJ
easat-5815	465	36	,	,	PUNCT
easat-5815	465	37	vol	vol	NOUN
easat-5815	465	38	.	.	PROPN
easat-5815	465	39	4	4	NUM
easat-5815	465	40	,	,	PUNCT
easat-5815	465	41	no	no	INTJ
easat-5815	465	42	.	.	NOUN
easat-5815	465	43	2	2	NUM
easat-5815	465	44	,	,	PUNCT
easat-5815	465	45	pp	pp	ADJ
easat-5815	465	46	.	.	PUNCT
easat-5815	466	1	61	61	NUM
easat-5815	466	2	-	-	SYM
easat-5815	466	3	71	71	NUM
easat-5815	466	4	,	,	PUNCT
easat-5815	466	5	2019	2019	NUM
easat-5815	466	6	.	.	PUNCT
easat-5815	467	1	[	[	X
easat-5815	467	2	6	6	NUM
easat-5815	467	3	]	]	PUNCT
easat-5815	467	4	r.	r.	PROPN
easat-5815	467	5	lidyah	lidyah	PROPN
easat-5815	467	6	,	,	PUNCT
easat-5815	467	7	o.	o.	PROPN
easat-5815	467	8	sr	sr	PROPN
easat-5815	467	9	,	,	PUNCT
easat-5815	467	10	dwithia	dwithia	PROPN
easat-5815	467	11	,	,	PUNCT
easat-5815	467	12	and	and	CCONJ
easat-5815	467	13	agustina	agustina	PROPN
easat-5815	467	14	,	,	PUNCT
easat-5815	467	15	"	"	PUNCT
easat-5815	467	16	testing	test	VERB
easat-5815	467	17	the	the	DET
easat-5815	467	18	financing	financing	NOUN
easat-5815	467	19	to	to	PART
easat-5815	467	20	deposit	deposit	VERB
easat-5815	467	21	ratio	ratio	NOUN
easat-5815	467	22	as	as	ADP
easat-5815	467	23	a	a	DET
easat-5815	467	24	mediation	mediation	NOUN
easat-5815	467	25	between	between	ADP
easat-5815	467	26	financing	financing	NOUN
easat-5815	467	27	,	,	PUNCT
easat-5815	467	28	non	non	ADJ
easat-5815	467	29	-	-	ADJ
easat-5815	467	30	performing	performing	ADJ
easat-5815	467	31	financing	financing	NOUN
easat-5815	467	32	,	,	PUNCT
easat-5815	467	33	and	and	CCONJ
easat-5815	467	34	operating	operating	NOUN
easat-5815	467	35	costs	cost	NOUN
easat-5815	467	36	of	of	ADP
easat-5815	467	37	operating	operate	VERB
easat-5815	467	38	income	income	NOUN
easat-5815	467	39	to	to	PART
easat-5815	467	40	profit	profit	VERB
easat-5815	467	41	in	in	ADP
easat-5815	467	42	sharia	sharia	PROPN
easat-5815	467	43	commercial	commercial	ADJ
easat-5815	467	44	banks	bank	NOUN
easat-5815	467	45	in	in	ADP
easat-5815	467	46	indonesia	indonesia	PROPN
easat-5815	467	47	,	,	PUNCT
easat-5815	467	48	"	"	PUNCT
easat-5815	467	49	i	i	NOUN
easat-5815	467	50	-	-	PUNCT
easat-5815	467	51	finance	finance	NOUN
easat-5815	467	52	,	,	PUNCT
easat-5815	467	53	vol	vol	NOUN
easat-5815	467	54	.	.	PROPN
easat-5815	467	55	5	5	NUM
easat-5815	467	56	,	,	PUNCT
easat-5815	467	57	no	no	INTJ
easat-5815	467	58	.	.	NOUN
easat-5815	467	59	2	2	NUM
easat-5815	467	60	,	,	PUNCT
easat-5815	467	61	pp	pp	ADJ
easat-5815	467	62	.	.	PUNCT
easat-5815	468	1	123	123	NUM
easat-5815	468	2	-	-	SYM
easat-5815	468	3	145	145	NUM
easat-5815	468	4	,	,	PUNCT
easat-5815	468	5	2019	2019	NUM
easat-5815	468	6	.	.	PUNCT
easat-5815	469	1	[	[	X
easat-5815	469	2	7	7	X
easat-5815	469	3	]	]	X
easat-5815	469	4	elena	elena	NOUN
easat-5815	469	5	and	and	CCONJ
easat-5815	469	6	nurwahidin	nurwahidin	NOUN
easat-5815	469	7	,	,	PUNCT
easat-5815	469	8	"	"	PUNCT
easat-5815	469	9	analysis	analysis	NOUN
easat-5815	469	10	of	of	ADP
easat-5815	469	11	factors	factor	NOUN
easat-5815	469	12	affecting	affect	VERB
easat-5815	469	13	the	the	DET
easat-5815	469	14	profitability	profitability	NOUN
easat-5815	469	15	performance	performance	NOUN
easat-5815	469	16	of	of	ADP
easat-5815	469	17	sharia	sharia	PROPN
easat-5815	469	18	commercial	commercial	ADJ
easat-5815	469	19	banks	bank	NOUN
easat-5815	469	20	(	(	PUNCT
easat-5815	469	21	bus	bus	NOUN
easat-5815	469	22	)	)	PUNCT
easat-5815	469	23	in	in	ADP
easat-5815	469	24	indonesia	indonesia	PROPN
easat-5815	469	25	,	,	PUNCT
easat-5815	469	26	"	"	PUNCT
easat-5815	469	27	tabarru	tabarru	PROPN
easat-5815	469	28	journal	journal	PROPN
easat-5815	469	29	,	,	PUNCT
easat-5815	469	30	islamic	islamic	PROPN
easat-5815	469	31	bank	bank	PROPN
easat-5815	469	32	and	and	CCONJ
easat-5815	469	33	financing	financing	NOUN
easat-5815	469	34	,	,	PUNCT
easat-5815	469	35	vol	vol	NOUN
easat-5815	469	36	.	.	PROPN
easat-5815	469	37	5	5	NUM
easat-5815	469	38	,	,	PUNCT
easat-5815	469	39	no	no	INTJ
easat-5815	469	40	.	.	NOUN
easat-5815	469	41	2	2	NUM
easat-5815	469	42	,	,	PUNCT
easat-5815	469	43	pp	pp	ADJ
easat-5815	469	44	.	.	PUNCT
easat-5815	470	1	1	1	NUM
easat-5815	470	2	-	-	SYM
easat-5815	470	3	xx	xx	NUM
easat-5815	470	4	,	,	PUNCT
easat-5815	470	5	2022	2022	NUM
easat-5815	470	6	.	.	PUNCT
easat-5815	471	1	[	[	X
easat-5815	471	2	8	8	NUM
easat-5815	471	3	]	]	PUNCT
easat-5815	471	4	s.	s.	PROPN
easat-5815	471	5	rachmawati	rachmawati	PROPN
easat-5815	471	6	and	and	CCONJ
easat-5815	471	7	s.	s.	PROPN
easat-5815	471	8	marwansyah	marwansyah	PROPN
easat-5815	471	9	,	,	PUNCT
easat-5815	471	10	"	"	PUNCT
easat-5815	471	11	the	the	DET
easat-5815	471	12	effect	effect	NOUN
easat-5815	471	13	of	of	ADP
easat-5815	471	14	inflation	inflation	NOUN
easat-5815	471	15	,	,	PUNCT
easat-5815	471	16	bi	bi	ADJ
easat-5815	471	17	rate	rate	NOUN
easat-5815	471	18	,	,	PUNCT
easat-5815	471	19	car	car	NOUN
easat-5815	471	20	,	,	PUNCT
easat-5815	471	21	npl	npl	PROPN
easat-5815	471	22	,	,	PUNCT
easat-5815	471	23	ocoi	ocoi	NOUN
easat-5815	471	24	on	on	ADP
easat-5815	471	25	profitability	profitability	NOUN
easat-5815	471	26	in	in	ADP
easat-5815	471	27	state	state	NOUN
easat-5815	471	28	-	-	PUNCT
easat-5815	471	29	owned	own	VERB
easat-5815	471	30	banks	bank	NOUN
easat-5815	471	31	,	,	PUNCT
easat-5815	471	32	"	"	PUNCT
easat-5815	471	33	journal	journal	NOUN
easat-5815	471	34	of	of	ADP
easat-5815	471	35	penusa	penusa	NOUN
easat-5815	471	36	logic	logic	NOUN
easat-5815	471	37	,	,	PUNCT
easat-5815	471	38	vol	vol	NOUN
easat-5815	471	39	.	.	PROPN
easat-5815	471	40	3	3	NUM
easat-5815	471	41	,	,	PUNCT
easat-5815	471	42	no	no	INTJ
easat-5815	471	43	.	.	NOUN
easat-5815	471	44	1	1	NUM
easat-5815	471	45	,	,	PUNCT
easat-5815	471	46	pp	pp	ADJ
easat-5815	471	47	.	.	PUNCT
easat-5815	472	1	1	1	NUM
easat-5815	472	2	-	-	SYM
easat-5815	472	3	xx	xx	NUM
easat-5815	472	4	,	,	PUNCT
easat-5815	472	5	2019	2019	NUM
easat-5815	472	6	.	.	PUNCT
easat-5815	473	1	[	[	X
easat-5815	473	2	9	9	NUM
easat-5815	473	3	]	]	PUNCT
easat-5815	473	4	i.	i.	PROPN
easat-5815	473	5	b.	b.	PROPN
easat-5815	473	6	r.	r.	PROPN
easat-5815	473	7	suardana	suardana	PROPN
easat-5815	473	8	,	,	PUNCT
easat-5815	473	9	i.	i.	PROPN
easat-5815	473	10	n.	n.	PROPN
easat-5815	473	11	d.	d.	PROPN
easat-5815	473	12	astawa	astawa	PROPN
easat-5815	473	13	,	,	PUNCT
easat-5815	473	14	and	and	CCONJ
easat-5815	473	15	l.	l.	PROPN
easat-5815	473	16	k.	k.	PROPN
easat-5815	473	17	b.	b.	PROPN
easat-5815	473	18	martini	martini	PROPN
easat-5815	473	19	,	,	PUNCT
easat-5815	473	20	"	"	PUNCT
easat-5815	473	21	influential	influential	ADJ
easat-5815	473	22	factors	factor	NOUN
easat-5815	473	23	towards	towards	ADP
easat-5815	473	24	return	return	NOUN
easat-5815	473	25	on	on	ADP
easat-5815	473	26	assets	asset	NOUN
easat-5815	473	27	and	and	CCONJ
easat-5815	473	28	profit	profit	NOUN
easat-5815	473	29	change	change	NOUN
easat-5815	473	30	,	,	PUNCT
easat-5815	473	31	"	"	PUNCT
easat-5815	473	32	international	international	ADJ
easat-5815	473	33	journal	journal	NOUN
easat-5815	473	34	of	of	ADP
easat-5815	473	35	social	social	ADJ
easat-5815	473	36	sciences	science	NOUN
easat-5815	473	37	and	and	CCONJ
easat-5815	473	38	humanities	humanity	NOUN
easat-5815	473	39	,	,	PUNCT
easat-5815	473	40	vol	vol	NOUN
easat-5815	473	41	.	.	PROPN
easat-5815	473	42	2	2	NUM
easat-5815	473	43	,	,	PUNCT
easat-5815	473	44	no	no	INTJ
easat-5815	473	45	.	.	NOUN
easat-5815	473	46	1	1	NUM
easat-5815	473	47	,	,	PUNCT
easat-5815	473	48	pp	pp	ADJ
easat-5815	473	49	.	.	PUNCT
easat-5815	474	1	105	105	NUM
easat-5815	474	2	-	-	SYM
easat-5815	474	3	116	116	NUM
easat-5815	474	4	,	,	PUNCT
easat-5815	474	5	2018	2018	NUM
easat-5815	474	6	.	.	PUNCT
easat-5815	475	1	https://doi.org/10.29332/ijssh.v2n1.100	https://doi.org/10.29332/ijssh.v2n1.100	PROPN
easat-5815	476	1	[	[	X
easat-5815	476	2	10	10	NUM
easat-5815	476	3	]	]	X
easat-5815	476	4	j.	j.	PROPN
easat-5815	476	5	hafilah	hafilah	PROPN
easat-5815	476	6	and	and	CCONJ
easat-5815	476	7	d.	d.	PROPN
easat-5815	476	8	p.	p.	PROPN
easat-5815	476	9	k.	k.	PROPN
easat-5815	477	1	mahardika	mahardika	PROPN
easat-5815	477	2	,	,	PUNCT
easat-5815	477	3	"	"	PUNCT
easat-5815	477	4	the	the	DET
easat-5815	477	5	influence	influence	NOUN
easat-5815	477	6	of	of	ADP
easat-5815	477	7	ocoi	ocoi	NOUN
easat-5815	477	8	,	,	PUNCT
easat-5815	477	9	fdr	fdr	PROPN
easat-5815	477	10	,	,	PUNCT
easat-5815	477	11	and	and	CCONJ
easat-5815	477	12	car	car	NOUN
easat-5815	477	13	on	on	ADP
easat-5815	477	14	npf	npf	PROPN
easat-5815	477	15	;	;	PUNCT
easat-5815	477	16	jasa	jasa	PROPN
easat-5815	477	17	,	,	PUNCT
easat-5815	477	18	"	"	PUNCT
easat-5815	477	19	jasa	jasa	PROPN
easat-5815	477	20	(	(	PUNCT
easat-5815	477	21	jurnal	jurnal	ADJ
easat-5815	477	22	akuntansi	akuntansi	PROPN
easat-5815	477	23	,	,	PUNCT
easat-5815	477	24	audit	audit	NOUN
easat-5815	477	25	dan	dan	PROPN
easat-5815	477	26	sistem	sistem	PROPN
easat-5815	477	27	informasi	informasi	PROPN
easat-5815	477	28	akuntansi	akuntansi	PROPN
easat-5815	477	29	)	)	PUNCT
easat-5815	477	30	,	,	PUNCT
easat-5815	477	31	vol	vol	NOUN
easat-5815	477	32	.	.	PROPN
easat-5815	478	1	3	3	NUM
easat-5815	478	2	,	,	PUNCT
easat-5815	478	3	no	no	INTJ
easat-5815	478	4	.	.	NOUN
easat-5815	478	5	3	3	NUM
easat-5815	478	6	,	,	PUNCT
easat-5815	478	7	pp	pp	ADJ
easat-5815	478	8	.	.	PUNCT
easat-5815	479	1	322	322	NUM
easat-5815	479	2	-	-	SYM
easat-5815	479	3	334	334	NUM
easat-5815	479	4	,	,	PUNCT
easat-5815	479	5	2019	2019	NUM
easat-5815	479	6	.	.	PUNCT
easat-5815	480	1	https://.org/10.36555	https://.org/10.36555	NOUN
easat-5815	480	2	/	/	SYM
easat-5815	480	3	jasa.v3i3.612	jasa.v3i3.612	PROPN
easat-5815	480	4	[	[	X
easat-5815	480	5	11	11	NUM
easat-5815	480	6	]	]	X
easat-5815	480	7	sugiyono	sugiyono	NOUN
easat-5815	480	8	,	,	PUNCT
easat-5815	480	9	"	"	PUNCT
easat-5815	480	10	quantitative	quantitative	ADJ
easat-5815	480	11	and	and	CCONJ
easat-5815	480	12	qualitative	qualitative	ADJ
easat-5815	480	13	research	research	NOUN
easat-5815	480	14	methodology	methodology	NOUN
easat-5815	480	15	and	and	CCONJ
easat-5815	480	16	r&d	r&d	NOUN
easat-5815	480	17	,	,	PUNCT
easat-5815	480	18	"	"	PUNCT
easat-5815	480	19	vol	vol	NOUN
easat-5815	480	20	.	.	PROPN
easat-5815	480	21	65	65	NUM
easat-5815	480	22	.	.	PUNCT
easat-5815	481	1	bandung	bandung	PROPN
easat-5815	481	2	:	:	PUNCT
easat-5815	481	3	alfabeta	alfabeta	PROPN
easat-5815	481	4	cv	cv	PROPN
easat-5815	481	5	,	,	PUNCT
easat-5815	481	6	2019	2019	NUM
easat-5815	481	7	.	.	PUNCT
easat-5815	482	1	[	[	X
easat-5815	482	2	12	12	NUM
easat-5815	482	3	]	]	PUNCT
easat-5815	482	4	b.	b.	NOUN
easat-5815	482	5	uluyol	uluyol	NOUN
easat-5815	482	6	,	,	PUNCT
easat-5815	482	7	"	"	PUNCT
easat-5815	482	8	financial	financial	ADJ
easat-5815	482	9	derivative	derivative	ADJ
easat-5815	482	10	instruments	instrument	NOUN
easat-5815	482	11	and	and	CCONJ
easat-5815	482	12	their	their	PRON
easat-5815	482	13	applications	application	NOUN
easat-5815	482	14	in	in	ADP
easat-5815	482	15	islamic	islamic	ADJ
easat-5815	482	16	banking	banking	NOUN
easat-5815	482	17	and	and	CCONJ
easat-5815	482	18	finance	finance	NOUN
easat-5815	482	19	:	:	PUNCT
easat-5815	482	20	fundamentals	fundamental	NOUN
easat-5815	482	21	,	,	PUNCT
easat-5815	482	22	structures	structure	NOUN
easat-5815	482	23	and	and	CCONJ
easat-5815	482	24	pricing	pricing	NOUN
easat-5815	482	25	mechanisms	mechanism	NOUN
easat-5815	482	26	,	,	PUNCT
easat-5815	482	27	"	"	PUNCT
easat-5815	482	28	borsa	borsa	PROPN
easat-5815	482	29	istanbul	istanbul	PROPN
easat-5815	482	30	review	review	PROPN
easat-5815	482	31	,	,	PUNCT
easat-5815	482	32	vol	vol	NOUN
easat-5815	482	33	.	.	PROPN
easat-5815	483	1	24	24	NUM
easat-5815	483	2	,	,	PUNCT
easat-5815	483	3	pp	pp	ADJ
easat-5815	483	4	.	.	PUNCT
easat-5815	484	1	29	29	NUM
easat-5815	484	2	-	-	SYM
easat-5815	484	3	37	37	NUM
easat-5815	484	4	,	,	PUNCT
easat-5815	484	5	2024	2024	NUM
easat-5815	484	6	.	.	PUNCT
easat-5815	485	1	https://doi.org/10.1016/j.bir.2024.02.013	https://doi.org/10.1016/j.bir.2024.02.013	PROPN
easat-5815	486	1	[	[	X
easat-5815	486	2	13	13	NUM
easat-5815	486	3	]	]	PUNCT
easat-5815	486	4	a.	a.	NOUN
easat-5815	486	5	n.	n.	PROPN
easat-5815	486	6	bani	bani	PROPN
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easat-5815	486	8	,	,	PUNCT
easat-5815	486	9	a.	a.	PROPN
easat-5815	486	10	p.	p.	PROPN
easat-5815	486	11	d.	d.	PROPN
easat-5815	486	12	r.	r.	PROPN
easat-5815	486	13	taha	taha	PROPN
easat-5815	486	14	,	,	PUNCT
easat-5815	486	15	s.	s.	PROPN
easat-5815	486	16	n.	n.	PROPN
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easat-5815	486	18	,	,	PUNCT
easat-5815	486	19	and	and	CCONJ
easat-5815	486	20	a.	a.	PROPN
easat-5815	486	21	f.	f.	PROPN
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easat-5815	486	24	,	,	PUNCT
easat-5815	486	25	"	"	PUNCT
easat-5815	486	26	operational	operational	ADJ
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easat-5815	486	28	and	and	CCONJ
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easat-5815	486	35	middle	middle	PROPN
easat-5815	486	36	east	east	PROPN
easat-5815	486	37	and	and	CCONJ
easat-5815	486	38	north	north	PROPN
easat-5815	486	39	africa	africa	PROPN
easat-5815	486	40	,	,	PUNCT
easat-5815	486	41	"	"	PUNCT
easat-5815	486	42	journal	journal	NOUN
easat-5815	486	43	of	of	ADP
easat-5815	486	44	international	international	ADJ
easat-5815	486	45	studies	study	NOUN
easat-5815	486	46	,	,	PUNCT
easat-5815	486	47	vol	vol	NOUN
easat-5815	486	48	.	.	PROPN
easat-5815	486	49	19	19	NUM
easat-5815	486	50	,	,	PUNCT
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easat-5815	486	52	.	.	NOUN
easat-5815	486	53	2	2	NUM
easat-5815	486	54	,	,	PUNCT
easat-5815	486	55	pp	pp	ADJ
easat-5815	486	56	.	.	PUNCT
easat-5815	487	1	93–118	93–118	NUM
easat-5815	487	2	,	,	PUNCT
easat-5815	487	3	2023	2023	NUM
easat-5815	487	4	.	.	PUNCT
easat-5815	488	1	https://doi.org/10.32890/jis2023.19.2.4	https://doi.org/10.32890/jis2023.19.2.4	NOUN
easat-5815	488	2	[	[	X
easat-5815	488	3	14	14	NUM
easat-5815	488	4	]	]	PUNCT
easat-5815	488	5	k.	k.	PROPN
easat-5815	488	6	f.	f.	PROPN
easat-5815	488	7	afgani	afgani	PROPN
easat-5815	488	8	et	et	PROPN
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easat-5815	488	10	.	.	PROPN
easat-5815	488	11	,	,	PUNCT
easat-5815	488	12	"	"	PUNCT
easat-5815	488	13	risk	risk	NOUN
easat-5815	488	14	management	management	NOUN
easat-5815	488	15	practices	practice	NOUN
easat-5815	488	16	and	and	CCONJ
easat-5815	488	17	the	the	DET
easat-5815	488	18	performance	performance	NOUN
easat-5815	488	19	of	of	ADP
easat-5815	488	20	indonesian	indonesian	ADJ
easat-5815	488	21	and	and	CCONJ
easat-5815	488	22	malaysian	malaysian	ADJ
easat-5815	488	23	islamic	islamic	ADJ
easat-5815	488	24	banks	bank	NOUN
easat-5815	488	25	:	:	PUNCT
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easat-5815	488	27	digitalization	digitalization	NOUN
easat-5815	488	28	mediate	mediate	VERB
easat-5815	488	29	this	this	DET
easat-5815	488	30	nexus	nexus	NOUN
easat-5815	488	31	?	?	PUNCT
easat-5815	488	32	,	,	PUNCT
easat-5815	488	33	"	"	PUNCT
easat-5815	488	34	thunderbird	thunderbird	PROPN
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easat-5815	488	36	business	business	PROPN
easat-5815	488	37	review	review	PROPN
easat-5815	488	38	,	,	PUNCT
easat-5815	488	39	vol	vol	NOUN
easat-5815	488	40	.	.	PROPN
easat-5815	489	1	66	66	NUM
easat-5815	489	2	,	,	PUNCT
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easat-5815	489	4	.	.	NOUN
easat-5815	489	5	6	6	NUM
easat-5815	489	6	,	,	PUNCT
easat-5815	489	7	pp	pp	ADJ
easat-5815	489	8	.	.	PUNCT
easat-5815	490	1	567	567	NUM
easat-5815	490	2	-	-	SYM
easat-5815	490	3	581	581	NUM
easat-5815	490	4	,	,	PUNCT
easat-5815	490	5	2024	2024	NUM
easat-5815	490	6	.	.	PUNCT
easat-5815	491	1	https://doi.org/10.1002/tie.22402	https://doi.org/10.1002/tie.22402	PROPN
easat-5815	492	1	[	[	X
easat-5815	492	2	15	15	NUM
easat-5815	492	3	]	]	X
easat-5815	492	4	f.	f.	PROPN
easat-5815	492	5	a.	a.	PROPN
easat-5815	492	6	kurniawan	kurniawan	PROPN
easat-5815	492	7	,	,	PUNCT
easat-5815	492	8	d.	d.	PROPN
easat-5815	492	9	hanggraeni	hanggraeni	PROPN
easat-5815	492	10	,	,	PUNCT
easat-5815	492	11	and	and	CCONJ
easat-5815	492	12	g.	g.	PROPN
easat-5815	492	13	purnomo	purnomo	PROPN
easat-5815	492	14	,	,	PUNCT
easat-5815	492	15	"	"	PUNCT
easat-5815	492	16	risk	risk	NOUN
easat-5815	492	17	governance	governance	NOUN
easat-5815	492	18	reveals	reveal	VERB
easat-5815	492	19	the	the	DET
easat-5815	492	20	dual	dual	ADJ
easat-5815	492	21	performance	performance	NOUN
easat-5815	492	22	goals	goal	NOUN
easat-5815	492	23	of	of	ADP
easat-5815	492	24	sharia	sharia	PROPN
easat-5815	492	25	banks	bank	NOUN
easat-5815	492	26	,	,	PUNCT
easat-5815	492	27	"	"	PUNCT
easat-5815	492	28	jbmp	jbmp	ADJ
easat-5815	492	29	–	–	PUNCT
easat-5815	492	30	journal	journal	NOUN
easat-5815	492	31	of	of	ADP
easat-5815	492	32	business	business	NOUN
easat-5815	492	33	management	management	NOUN
easat-5815	492	34	and	and	CCONJ
easat-5815	492	35	banking	banking	NOUN
easat-5815	492	36	,	,	PUNCT
easat-5815	492	37	vol	vol	NOUN
easat-5815	492	38	.	.	PROPN
easat-5815	492	39	10	10	NUM
easat-5815	492	40	,	,	PUNCT
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easat-5815	492	42	.	.	NOUN
easat-5815	492	43	2	2	NUM
easat-5815	492	44	,	,	PUNCT
easat-5815	492	45	2024	2024	NUM
easat-5815	492	46	.	.	PUNCT
easat-5815	493	1	https://doi.org/10.21070/jbmp.v10i2.1981	https://doi.org/10.21070/jbmp.v10i2.1981	X
easat-5815	493	2	[	[	X
easat-5815	493	3	16	16	NUM
easat-5815	493	4	]	]	X
easat-5815	493	5	a.	a.	NOUN
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easat-5815	493	7	and	and	CCONJ
easat-5815	493	8	h.	h.	PROPN
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easat-5815	493	10	,	,	PUNCT
easat-5815	493	11	"	"	PUNCT
easat-5815	493	12	liquidity	liquidity	NOUN
easat-5815	493	13	risk	risk	NOUN
easat-5815	493	14	management	management	NOUN
easat-5815	493	15	:	:	PUNCT
easat-5815	493	16	a	a	DET
easat-5815	493	17	comparative	comparative	ADJ
easat-5815	493	18	analysis	analysis	NOUN
easat-5815	493	19	of	of	ADP
easat-5815	493	20	panel	panel	NOUN
easat-5815	493	21	data	datum	NOUN
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easat-5815	493	23	islamic	islamic	ADJ
easat-5815	493	24	and	and	CCONJ
easat-5815	493	25	conventional	conventional	ADJ
easat-5815	493	26	banking	banking	NOUN
easat-5815	493	27	in	in	ADP
easat-5815	493	28	turkey	turkey	NOUN
easat-5815	493	29	,	,	PUNCT
easat-5815	493	30	"	"	PUNCT
easat-5815	493	31	procedia	procedia	NOUN
easat-5815	493	32	computer	computer	NOUN
easat-5815	493	33	science	science	NOUN
easat-5815	493	34	,	,	PUNCT
easat-5815	493	35	vol	vol	NOUN
easat-5815	493	36	.	.	PROPN
easat-5815	494	1	158	158	NUM
easat-5815	494	2	,	,	PUNCT
easat-5815	494	3	pp	pp	ADJ
easat-5815	494	4	.	.	PUNCT
easat-5815	495	1	955	955	NUM
easat-5815	495	2	-	-	SYM
easat-5815	495	3	963	963	NUM
easat-5815	495	4	,	,	PUNCT
easat-5815	495	5	2019	2019	NUM
easat-5815	495	6	.	.	PUNCT
easat-5815	496	1	https://doi.org/10.1016/j.procs.2019.09.136	https://doi.org/10.1016/j.procs.2019.09.136	VERB
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easat-5815	496	4	https://doi.org/10.29332/ijssh.v2n1.100	https://doi.org/10.29332/ijssh.v2n1.100	VERB
easat-5815	496	5	https://.org/10.36555	https://.org/10.36555	PROPN
easat-5815	496	6	/	/	SYM
easat-5815	496	7	jasa.v3i3.612	jasa.v3i3.612	PROPN
easat-5815	496	8	https://doi.org/10.1016/j.bir.2024.02.013	https://doi.org/10.1016/j.bir.2024.02.013	PROPN
easat-5815	496	9	https://doi.org/10.32890/jis2023.19.2.4	https://doi.org/10.32890/jis2023.19.2.4	NOUN
easat-5815	496	10	https://doi.org/10.1002/tie.22402	https://doi.org/10.1002/tie.22402	PROPN
easat-5815	496	11	https://doi.org/10.21070/jbmp.v10i2.1981	https://doi.org/10.21070/jbmp.v10i2.1981	NUM
easat-5815	497	1	https://doi.org/10.1016/j.procs.2019.09.136	https://doi.org/10.1016/j.procs.2019.09.136	NOUN
easat-5815	497	2	2434	2434	NUM
easat-5815	497	3	edelweiss	edelweiss	PROPN
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easat-5815	497	5	science	science	NOUN
easat-5815	497	6	and	and	CCONJ
easat-5815	497	7	technology	technology	NOUN
easat-5815	497	8	issn	issn	PROPN
easat-5815	497	9	:	:	PUNCT
easat-5815	497	10	2576	2576	NUM
easat-5815	497	11	-	-	SYM
easat-5815	497	12	8484	8484	NUM
easat-5815	497	13	vol	vol	NOUN
easat-5815	497	14	.	.	PROPN
easat-5815	498	1	9	9	NUM
easat-5815	498	2	,	,	PUNCT
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easat-5815	498	4	.	.	NOUN
easat-5815	499	1	3	3	NUM
easat-5815	499	2	:	:	SYM
easat-5815	499	3	2413	2413	NUM
easat-5815	499	4	-	-	SYM
easat-5815	499	5	2434	2434	NUM
easat-5815	499	6	,	,	PUNCT
easat-5815	499	7	2025	2025	NUM
easat-5815	499	8	doi	doi	NOUN
easat-5815	499	9	:	:	PUNCT
easat-5815	499	10	10.55214/25768484.v9i3.5815	10.55214/25768484.v9i3.5815	NOUN
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easat-5815	499	12	2025	2025	NUM
easat-5815	499	13	by	by	ADP
easat-5815	499	14	the	the	DET
easat-5815	499	15	author	author	NOUN
easat-5815	499	16	;	;	PUNCT
easat-5815	499	17	licensee	licensee	PROPN
easat-5815	499	18	learning	learning	NOUN
easat-5815	499	19	gate	gate	NOUN
easat-5815	500	1	[	[	X
easat-5815	500	2	17	17	NUM
easat-5815	500	3	]	]	X
easat-5815	500	4	r.	r.	PROPN
easat-5815	500	5	wati	wati	PROPN
easat-5815	500	6	and	and	CCONJ
easat-5815	500	7	m.	m.	PROPN
easat-5815	500	8	i.	i.	PROPN
easat-5815	500	9	fasa	fasa	PROPN
easat-5815	500	10	,	,	PUNCT
easat-5815	500	11	"	"	PUNCT
easat-5815	500	12	liquidity	liquidity	NOUN
easat-5815	500	13	risk	risk	NOUN
easat-5815	500	14	management	management	NOUN
easat-5815	500	15	:	:	PUNCT
easat-5815	500	16	ensuring	ensure	VERB
easat-5815	500	17	the	the	DET
easat-5815	500	18	sustainability	sustainability	NOUN
easat-5815	500	19	and	and	CCONJ
easat-5815	500	20	resilience	resilience	NOUN
easat-5815	500	21	of	of	ADP
easat-5815	500	22	islamic	islamic	ADJ
easat-5815	500	23	banks	bank	NOUN
easat-5815	500	24	in	in	ADP
easat-5815	500	25	the	the	DET
easat-5815	500	26	era	era	NOUN
easat-5815	500	27	of	of	ADP
easat-5815	500	28	monetary	monetary	ADJ
easat-5815	500	29	crisis	crisis	NOUN
easat-5815	500	30	,	,	PUNCT
easat-5815	500	31	"	"	PUNCT
easat-5815	500	32	mamen	mamen	NOUN
easat-5815	500	33	:	:	PUNCT
easat-5815	500	34	jurnal	jurnal	ADJ
easat-5815	500	35	manajemen	manajeman	NOUN
easat-5815	500	36	,	,	PUNCT
easat-5815	500	37	vol	vol	NOUN
easat-5815	500	38	.	.	PROPN
easat-5815	501	1	3	3	NUM
easat-5815	501	2	,	,	PUNCT
easat-5815	501	3	no	no	INTJ
easat-5815	501	4	.	.	NOUN
easat-5815	501	5	4	4	NUM
easat-5815	501	6	,	,	PUNCT
easat-5815	501	7	pp	pp	ADJ
easat-5815	501	8	.	.	PUNCT
easat-5815	502	1	389	389	NUM
easat-5815	502	2	-	-	SYM
easat-5815	502	3	402	402	NUM
easat-5815	502	4	,	,	PUNCT
easat-5815	502	5	2024	2024	NUM
easat-5815	502	6	.	.	PUNCT
easat-5815	503	1	https://doi.org/10.55123/mamen.v3i4.4270	https://doi.org/10.55123/mamen.v3i4.4270	X
easat-5815	504	1	[	[	X
easat-5815	504	2	18	18	NUM
easat-5815	504	3	]	]	PUNCT
easat-5815	504	4	w.	w.	NOUN
easat-5815	504	5	jaziroh	jaziroh	PROPN
easat-5815	504	6	and	and	CCONJ
easat-5815	504	7	n.	n.	PROPN
easat-5815	504	8	q.	q.	PROPN
easat-5815	504	9	s.	s.	PROPN
easat-5815	504	10	nirwana	nirwana	PROPN
easat-5815	504	11	,	,	PUNCT
easat-5815	504	12	"	"	PUNCT
easat-5815	504	13	governance	governance	NOUN
easat-5815	504	14	and	and	CCONJ
easat-5815	504	15	risk	risk	NOUN
easat-5815	504	16	management	management	NOUN
easat-5815	504	17	in	in	ADP
easat-5815	504	18	sharia	sharia	PROPN
easat-5815	504	19	banks	bank	NOUN
easat-5815	504	20	and	and	CCONJ
easat-5815	504	21	financial	financial	ADJ
easat-5815	504	22	performance	performance	NOUN
easat-5815	504	23	,	,	PUNCT
easat-5815	504	24	"	"	PUNCT
easat-5815	504	25	indonesian	indonesian	ADJ
easat-5815	504	26	journal	journal	NOUN
easat-5815	504	27	of	of	ADP
easat-5815	504	28	law	law	PROPN
easat-5815	504	29	and	and	CCONJ
easat-5815	504	30	economics	economic	NOUN
easat-5815	504	31	review	review	PROPN
easat-5815	504	32	,	,	PUNCT
easat-5815	504	33	vol	vol	NOUN
easat-5815	504	34	.	.	PROPN
easat-5815	504	35	19	19	NUM
easat-5815	504	36	,	,	PUNCT
easat-5815	504	37	no	no	INTJ
easat-5815	504	38	.	.	NOUN
easat-5815	504	39	4	4	NUM
easat-5815	504	40	,	,	PUNCT
easat-5815	504	41	pp	pp	ADJ
easat-5815	504	42	.	.	PUNCT
easat-5815	504	43	10.21070	10.21070	NUM
easat-5815	504	44	/	/	SYM
easat-5815	504	45	ijler	ijler	NOUN
easat-5815	504	46	.	.	PUNCT
easat-5815	505	1	v19i4	v19i4	NOUN
easat-5815	505	2	.	.	PUNCT
easat-5815	506	1	1171	1171	NUM
easat-5815	506	2	-	-	PUNCT
easat-5815	506	3	10.21070	10.21070	NUM
easat-5815	506	4	/	/	SYM
easat-5815	506	5	ijler	ijler	NOUN
easat-5815	506	6	.	.	PUNCT
easat-5815	507	1	v19i4	v19i4	PROPN
easat-5815	507	2	.	.	PUNCT
easat-5815	508	1	1171	1171	NUM
easat-5815	508	2	,	,	PUNCT
easat-5815	508	3	2024	2024	NUM
easat-5815	508	4	.	.	PUNCT
easat-5815	509	1	https://doi.org/10.21070/ijler.v19i4.1171	https://doi.org/10.21070/ijler.v19i4.1171	PUNCT
easat-5815	510	1	[	[	X
easat-5815	510	2	19	19	NUM
easat-5815	510	3	]	]	PUNCT
easat-5815	510	4	a.	a.	NOUN
easat-5815	510	5	kafidipe	kafidipe	PROPN
easat-5815	510	6	,	,	PUNCT
easat-5815	510	7	u.	u.	PROPN
easat-5815	510	8	uwalomwa	uwalomwa	PROPN
easat-5815	510	9	,	,	PUNCT
easat-5815	510	10	o.	o.	PROPN
easat-5815	510	11	dahunsi	dahunsi	PROPN
easat-5815	510	12	,	,	PUNCT
easat-5815	510	13	and	and	CCONJ
easat-5815	510	14	f.	f.	PROPN
easat-5815	510	15	o.	o.	PROPN
easat-5815	510	16	okeme	okeme	PROPN
easat-5815	510	17	,	,	PUNCT
easat-5815	510	18	"	"	PUNCT
easat-5815	510	19	corporate	corporate	ADJ
easat-5815	510	20	governance	governance	NOUN
easat-5815	510	21	,	,	PUNCT
easat-5815	510	22	risk	risk	NOUN
easat-5815	510	23	management	management	NOUN
easat-5815	510	24	and	and	CCONJ
easat-5815	510	25	financial	financial	ADJ
easat-5815	510	26	performance	performance	NOUN
easat-5815	510	27	of	of	ADP
easat-5815	510	28	listed	list	VERB
easat-5815	510	29	deposit	deposit	NOUN
easat-5815	510	30	money	money	NOUN
easat-5815	510	31	bank	bank	NOUN
easat-5815	510	32	in	in	ADP
easat-5815	510	33	nigeria	nigeria	PROPN
easat-5815	510	34	,	,	PUNCT
easat-5815	510	35	"	"	PUNCT
easat-5815	510	36	cogent	cogent	NOUN
easat-5815	510	37	business	business	NOUN
easat-5815	510	38	&	&	CCONJ
easat-5815	510	39	management	management	PROPN
easat-5815	510	40	,	,	PUNCT
easat-5815	510	41	vol	vol	NOUN
easat-5815	510	42	.	.	PROPN
easat-5815	510	43	8	8	NUM
easat-5815	510	44	,	,	PUNCT
easat-5815	510	45	no	no	INTJ
easat-5815	510	46	.	.	NOUN
easat-5815	510	47	1	1	NUM
easat-5815	510	48	,	,	PUNCT
easat-5815	510	49	p.	p.	NOUN
easat-5815	510	50	1888679	1888679	NUM
easat-5815	510	51	,	,	PUNCT
easat-5815	510	52	2021	2021	NUM
easat-5815	510	53	.	.	PUNCT
easat-5815	510	54	https://doi.org/10.1080/23311975.2021.1888679	https://doi.org/10.1080/23311975.2021.1888679	X
easat-5815	511	1	[	[	X
easat-5815	511	2	20	20	NUM
easat-5815	511	3	]	]	X
easat-5815	511	4	o.	o.	NOUN
easat-5815	511	5	muthaher	muthaher	ADV
easat-5815	511	6	,	,	PUNCT
easat-5815	511	7	"	"	PUNCT
easat-5815	511	8	sharia	sharia	NOUN
easat-5815	511	9	financing	financing	NOUN
easat-5815	511	10	analysis	analysis	NOUN
easat-5815	511	11	on	on	ADP
easat-5815	511	12	the	the	DET
easat-5815	511	13	financial	financial	ADJ
easat-5815	511	14	performance	performance	NOUN
easat-5815	511	15	of	of	ADP
easat-5815	511	16	sharia	sharia	PROPN
easat-5815	511	17	banking	banking	NOUN
easat-5815	511	18	in	in	ADP
easat-5815	511	19	the	the	DET
easat-5815	511	20	moderation	moderation	NOUN
easat-5815	511	21	of	of	ADP
easat-5815	511	22	the	the	DET
easat-5815	511	23	sharia	sharia	PROPN
easat-5815	511	24	supervisory	supervisory	ADJ
easat-5815	511	25	board	board	NOUN
easat-5815	511	26	(	(	PUNCT
easat-5815	511	27	dps	dps	NOUN
easat-5815	511	28	)	)	PUNCT
easat-5815	511	29	,	,	PUNCT
easat-5815	511	30	"	"	PUNCT
easat-5815	511	31	tirtayasa	tirtayasa	PROPN
easat-5815	511	32	ekonomika	ekonomika	NOUN
easat-5815	511	33	,	,	PUNCT
easat-5815	511	34	vol	vol	NOUN
easat-5815	511	35	.	.	PROPN
easat-5815	511	36	17	17	NUM
easat-5815	511	37	,	,	PUNCT
easat-5815	511	38	no	no	INTJ
easat-5815	511	39	.	.	NOUN
easat-5815	511	40	1	1	NUM
easat-5815	511	41	,	,	PUNCT
easat-5815	511	42	2022	2022	NUM
easat-5815	511	43	.	.	PUNCT
easat-5815	512	1	http://dx.doi.org/10.35448/jte.v15i2.7495	http://dx.doi.org/10.35448/jte.v15i2.7495	PROPN
easat-5815	513	1	[	[	X
easat-5815	513	2	21	21	NUM
easat-5815	513	3	]	]	X
easat-5815	513	4	l.	l.	PROPN
easat-5815	513	5	nugroho	nugroho	PROPN
easat-5815	513	6	,	,	PUNCT
easat-5815	513	7	w.	w.	PROPN
easat-5815	513	8	utami	utami	PROPN
easat-5815	513	9	,	,	PUNCT
easat-5815	513	10	and	and	CCONJ
easat-5815	513	11	c.	c.	PROPN
easat-5815	513	12	m.	m.	PROPN
easat-5815	513	13	doktoralina	doktoralina	PROPN
easat-5815	513	14	,	,	PUNCT
easat-5815	513	15	"	"	PUNCT
easat-5815	513	16	covid-19	covid-19	PROPN
easat-5815	513	17	and	and	CCONJ
easat-5815	513	18	the	the	DET
easat-5815	513	19	potency	potency	NOUN
easat-5815	513	20	of	of	ADP
easat-5815	513	21	disruption	disruption	NOUN
easat-5815	513	22	on	on	ADP
easat-5815	513	23	the	the	DET
easat-5815	513	24	islamic	islamic	ADJ
easat-5815	513	25	banking	banking	NOUN
easat-5815	513	26	performance	performance	NOUN
easat-5815	513	27	(	(	PUNCT
easat-5815	513	28	indonesia	indonesia	PROPN
easat-5815	513	29	cases	case	NOUN
easat-5815	513	30	)	)	PUNCT
easat-5815	513	31	,	,	PUNCT
easat-5815	513	32	"	"	PUNCT
easat-5815	513	33	international	international	ADJ
easat-5815	513	34	journal	journal	NOUN
easat-5815	513	35	of	of	ADP
easat-5815	513	36	economic	economic	ADJ
easat-5815	513	37	and	and	CCONJ
easat-5815	513	38	business	business	NOUN
easat-5815	513	39	applied	apply	VERB
easat-5815	513	40	,	,	PUNCT
easat-5815	513	41	vol	vol	NOUN
easat-5815	513	42	.	.	PROPN
easat-5815	514	1	1	1	NUM
easat-5815	514	2	,	,	PUNCT
easat-5815	514	3	no	no	INTJ
easat-5815	514	4	.	.	NOUN
easat-5815	514	5	1	1	NUM
easat-5815	514	6	,	,	PUNCT
easat-5815	514	7	pp	pp	ADJ
easat-5815	514	8	.	.	PUNCT
easat-5815	515	1	1	1	NUM
easat-5815	515	2	-	-	SYM
easat-5815	515	3	20	20	NUM
easat-5815	515	4	,	,	PUNCT
easat-5815	515	5	2020	2020	NUM
easat-5815	515	6	.	.	PUNCT
easat-5815	516	1	https://doi.org/10.55123/mamen.v3i4.4270	https://doi.org/10.55123/mamen.v3i4.4270	INTJ
easat-5815	516	2	https://doi.org/10.21070/ijler.v19i4.1171	https://doi.org/10.21070/ijler.v19i4.1171	VERB
easat-5815	516	3	https://doi.org/10.1080/23311975.2021.1888679	https://doi.org/10.1080/23311975.2021.1888679	PROPN
easat-5815	517	1	http://dx.doi.org/10.35448/jte.v15i2.7495	http://dx.doi.org/10.35448/jte.v15i2.7495	ADJ