id	sid	tid	token	lemma	pos
easat-7042	1	1	edelweiss	edelweiss	PROPN
easat-7042	1	2	applied	apply	VERB
easat-7042	1	3	science	science	NOUN
easat-7042	1	4	and	and	CCONJ
easat-7042	1	5	technology	technology	NOUN
easat-7042	1	6	issn	issn	PROPN
easat-7042	1	7	:	:	PUNCT
easat-7042	1	8	2576	2576	NUM
easat-7042	1	9	-	-	SYM
easat-7042	1	10	8484	8484	NUM
easat-7042	1	11	vol	vol	NOUN
easat-7042	1	12	.	.	PROPN
easat-7042	2	1	9	9	NUM
easat-7042	2	2	,	,	PUNCT
easat-7042	2	3	no	no	INTJ
easat-7042	2	4	.	.	NOUN
easat-7042	2	5	5	5	NUM
easat-7042	2	6	,	,	PUNCT
easat-7042	2	7	930	930	NUM
easat-7042	2	8	-	-	SYM
easat-7042	2	9	946	946	NUM
easat-7042	2	10	2025	2025	NUM
easat-7042	2	11	publisher	publisher	NOUN
easat-7042	2	12	:	:	PUNCT
easat-7042	2	13	learning	learn	VERB
easat-7042	2	14	gate	gate	NOUN
easat-7042	2	15	doi	doi	PROPN
easat-7042	2	16	:	:	PUNCT
easat-7042	2	17	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	2	18	©	©	PROPN
easat-7042	2	19	2025	2025	NUM
easat-7042	2	20	by	by	ADP
easat-7042	2	21	the	the	DET
easat-7042	2	22	authors	author	NOUN
easat-7042	2	23	;	;	PUNCT
easat-7042	2	24	licensee	licensee	PROPN
easat-7042	2	25	learning	learning	NOUN
easat-7042	2	26	gate	gate	NOUN
easat-7042	3	1	©	©	PROPN
easat-7042	3	2	2025	2025	NUM
easat-7042	3	3	by	by	ADP
easat-7042	3	4	the	the	DET
easat-7042	3	5	authors	author	NOUN
easat-7042	3	6	;	;	PUNCT
easat-7042	3	7	licensee	licensee	PROPN
easat-7042	3	8	learning	learning	NOUN
easat-7042	3	9	gate	gate	NOUN
easat-7042	3	10	history	history	NOUN
easat-7042	3	11	:	:	PUNCT
easat-7042	3	12	received	receive	VERB
easat-7042	3	13	:	:	PUNCT
easat-7042	3	14	12	12	NUM
easat-7042	3	15	february	february	NOUN
easat-7042	3	16	2025	2025	NUM
easat-7042	3	17	;	;	PUNCT
easat-7042	3	18	revised	revise	VERB
easat-7042	3	19	:	:	PUNCT
easat-7042	3	20	2	2	NUM
easat-7042	3	21	may	may	PROPN
easat-7042	3	22	2025	2025	NUM
easat-7042	3	23	;	;	PUNCT
easat-7042	3	24	accepted	accept	VERB
easat-7042	3	25	:	:	PUNCT
easat-7042	3	26	6	6	NUM
easat-7042	3	27	may	may	PROPN
easat-7042	3	28	2025	2025	NUM
easat-7042	3	29	;	;	PUNCT
easat-7042	3	30	published	publish	VERB
easat-7042	3	31	:	:	PUNCT
easat-7042	3	32	10	10	NUM
easat-7042	3	33	may	may	PROPN
easat-7042	3	34	2025	2025	NUM
easat-7042	3	35	*	*	PUNCT
easat-7042	3	36	correspondence	correspondence	NOUN
easat-7042	3	37	:	:	PUNCT
easat-7042	3	38	thangln@hvnh.edu.vn	thangln@hvnh.edu.vn	NOUN
easat-7042	3	39	balancing	balance	VERB
easat-7042	3	40	internal	internal	ADJ
easat-7042	3	41	capabilities	capability	NOUN
easat-7042	3	42	and	and	CCONJ
easat-7042	3	43	external	external	ADJ
easat-7042	3	44	funding	funding	NOUN
easat-7042	3	45	:	:	PUNCT
easat-7042	3	46	a	a	DET
easat-7042	3	47	study	study	NOUN
easat-7042	3	48	on	on	ADP
easat-7042	3	49	the	the	DET
easat-7042	3	50	financial	financial	ADJ
easat-7042	3	51	sustainability	sustainability	NOUN
easat-7042	3	52	of	of	ADP
easat-7042	3	53	people	people	NOUN
easat-7042	3	54	’s	’s	PART
easat-7042	3	55	credit	credit	NOUN
easat-7042	3	56	funds	fund	NOUN
easat-7042	3	57	in	in	ADP
easat-7042	3	58	vietnam	vietnam	PROPN
easat-7042	3	59	huy	huy	PROPN
easat-7042	3	60	duong	duong	PROPN
easat-7042	3	61	phan1	phan1	PROPN
easat-7042	3	62	,	,	PUNCT
easat-7042	3	63	ngoc	ngoc	PROPN
easat-7042	3	64	thang	thang	PROPN
easat-7042	3	65	le2	le2	PROPN
easat-7042	3	66	*	*	PROPN
easat-7042	3	67	,	,	PUNCT
easat-7042	3	68	bao	bao	PROPN
easat-7042	3	69	huyen	huyen	PROPN
easat-7042	3	70	nguyen3	nguyen3	PROPN
easat-7042	3	71	,	,	PUNCT
easat-7042	3	72	thanh	thanh	VERB
easat-7042	3	73	long	long	ADJ
easat-7042	3	74	tran4	tran4	NOUN
easat-7042	3	75	,	,	PUNCT
easat-7042	3	76	le	le	X
easat-7042	3	77	thao	thao	PROPN
easat-7042	3	78	huong	huong	PROPN
easat-7042	4	1	nguyen5	nguyen5	VERB
easat-7042	4	2	1faculty	1faculty	NUM
easat-7042	4	3	of	of	ADP
easat-7042	4	4	economics	economics	PROPN
easat-7042	4	5	business	business	PROPN
easat-7042	4	6	administration	administration	PROPN
easat-7042	4	7	,	,	PUNCT
easat-7042	4	8	thanh	thanh	PROPN
easat-7042	4	9	dong	dong	PROPN
easat-7042	4	10	university	university	PROPN
easat-7042	4	11	,	,	PUNCT
easat-7042	4	12	hanoi	hanoi	PROPN
easat-7042	4	13	,	,	PUNCT
easat-7042	4	14	vietnam	vietnam	PROPN
easat-7042	4	15	.	.	PUNCT
easat-7042	5	1	2,4banking	2,4banking	NUM
easat-7042	5	2	academy	academy	PROPN
easat-7042	5	3	of	of	ADP
easat-7042	5	4	vietnam	vietnam	PROPN
easat-7042	5	5	,	,	PUNCT
easat-7042	5	6	hanoi	hanoi	PROPN
easat-7042	5	7	,	,	PUNCT
easat-7042	5	8	vietnam	vietnam	PROPN
easat-7042	5	9	;	;	PUNCT
easat-7042	5	10	thangln@hvnh.edu.vn	thangln@hvnh.edu.vn	NOUN
easat-7042	5	11	(	(	PUNCT
easat-7042	5	12	n.t.l	n.t.l	ADJ
easat-7042	5	13	.	.	PUNCT
easat-7042	5	14	)	)	PUNCT
easat-7042	5	15	.	.	PUNCT
easat-7042	6	1	3faculty	3faculty	NUM
easat-7042	6	2	of	of	ADP
easat-7042	6	3	banking	banking	NOUN
easat-7042	6	4	,	,	PUNCT
easat-7042	6	5	banking	banking	NOUN
easat-7042	6	6	academy	academy	PROPN
easat-7042	6	7	of	of	ADP
easat-7042	6	8	vietnam	vietnam	PROPN
easat-7042	6	9	,	,	PUNCT
easat-7042	6	10	hanoi	hanoi	PROPN
easat-7042	6	11	,	,	PUNCT
easat-7042	6	12	vietnam	vietnam	PROPN
easat-7042	6	13	.	.	PUNCT
easat-7042	7	1	5banking	5banking	NUM
easat-7042	7	2	research	research	NOUN
easat-7042	7	3	institute	institute	NOUN
easat-7042	7	4	,	,	PUNCT
easat-7042	7	5	banking	banking	NOUN
easat-7042	7	6	academy	academy	PROPN
easat-7042	7	7	of	of	ADP
easat-7042	7	8	vietnam	vietnam	PROPN
easat-7042	7	9	,	,	PUNCT
easat-7042	7	10	hanoi	hanoi	PROPN
easat-7042	7	11	,	,	PUNCT
easat-7042	7	12	vietnam	vietnam	PROPN
easat-7042	7	13	.	.	PUNCT
easat-7042	8	1	abstract	abstract	ADJ
easat-7042	8	2	:	:	PUNCT
easat-7042	8	3	this	this	DET
easat-7042	8	4	study	study	NOUN
easat-7042	8	5	examines	examine	VERB
easat-7042	8	6	the	the	DET
easat-7042	8	7	determinants	determinant	NOUN
easat-7042	8	8	of	of	ADP
easat-7042	8	9	financial	financial	ADJ
easat-7042	8	10	sustainability	sustainability	NOUN
easat-7042	8	11	in	in	ADP
easat-7042	8	12	vietnam	vietnam	PROPN
easat-7042	8	13	’s	’s	PART
easat-7042	8	14	people	people	NOUN
easat-7042	8	15	’s	’s	PART
easat-7042	8	16	credit	credit	NOUN
easat-7042	8	17	funds	fund	NOUN
easat-7042	8	18	(	(	PUNCT
easat-7042	8	19	pcfs	pcfs	PROPN
easat-7042	8	20	)	)	PUNCT
easat-7042	8	21	using	use	VERB
easat-7042	8	22	a	a	DET
easat-7042	8	23	quantitative	quantitative	ADJ
easat-7042	8	24	model	model	NOUN
easat-7042	8	25	.	.	PUNCT
easat-7042	9	1	the	the	DET
easat-7042	9	2	results	result	NOUN
easat-7042	9	3	indicate	indicate	VERB
easat-7042	9	4	that	that	DET
easat-7042	9	5	customer	customer	NOUN
easat-7042	9	6	outreach	outreach	NOUN
easat-7042	9	7	has	have	VERB
easat-7042	9	8	the	the	DET
easat-7042	9	9	most	most	ADV
easat-7042	9	10	significant	significant	ADJ
easat-7042	9	11	positive	positive	ADJ
easat-7042	9	12	effect	effect	NOUN
easat-7042	9	13	,	,	PUNCT
easat-7042	9	14	followed	follow	VERB
easat-7042	9	15	by	by	ADP
easat-7042	9	16	loan	loan	NOUN
easat-7042	9	17	portfolio	portfolio	NOUN
easat-7042	9	18	management	management	NOUN
easat-7042	9	19	,	,	PUNCT
easat-7042	9	20	organizational	organizational	ADJ
easat-7042	9	21	capacity	capacity	NOUN
easat-7042	9	22	,	,	PUNCT
easat-7042	9	23	productivity	productivity	NOUN
easat-7042	9	24	,	,	PUNCT
easat-7042	9	25	governance	governance	NOUN
easat-7042	9	26	quality	quality	NOUN
easat-7042	9	27	,	,	PUNCT
easat-7042	9	28	and	and	CCONJ
easat-7042	9	29	transparency	transparency	NOUN
easat-7042	9	30	.	.	PUNCT
easat-7042	10	1	these	these	DET
easat-7042	10	2	findings	finding	NOUN
easat-7042	10	3	emphasize	emphasize	VERB
easat-7042	10	4	the	the	DET
easat-7042	10	5	importance	importance	NOUN
easat-7042	10	6	of	of	ADP
easat-7042	10	7	expanding	expand	VERB
easat-7042	10	8	client	client	NOUN
easat-7042	10	9	access	access	NOUN
easat-7042	10	10	,	,	PUNCT
easat-7042	10	11	improving	improve	VERB
easat-7042	10	12	internal	internal	ADJ
easat-7042	10	13	efficiency	efficiency	NOUN
easat-7042	10	14	,	,	PUNCT
easat-7042	10	15	and	and	CCONJ
easat-7042	10	16	strengthening	strengthen	VERB
easat-7042	10	17	governance	governance	NOUN
easat-7042	10	18	structures	structure	NOUN
easat-7042	10	19	to	to	PART
easat-7042	10	20	enhance	enhance	VERB
easat-7042	10	21	sustainability	sustainability	NOUN
easat-7042	10	22	.	.	PUNCT
easat-7042	11	1	in	in	ADP
easat-7042	11	2	contrast	contrast	NOUN
easat-7042	11	3	,	,	PUNCT
easat-7042	11	4	financial	financial	ADJ
easat-7042	11	5	autonomy	autonomy	NOUN
easat-7042	11	6	exhibits	exhibit	VERB
easat-7042	11	7	a	a	DET
easat-7042	11	8	negative	negative	ADJ
easat-7042	11	9	impact	impact	NOUN
easat-7042	11	10	,	,	PUNCT
easat-7042	11	11	suggesting	suggest	VERB
easat-7042	11	12	that	that	SCONJ
easat-7042	11	13	pcfs	pcfs	PROPN
easat-7042	11	14	may	may	AUX
easat-7042	11	15	not	not	PART
easat-7042	11	16	yet	yet	ADV
easat-7042	11	17	be	be	AUX
easat-7042	11	18	ready	ready	ADJ
easat-7042	11	19	for	for	ADP
easat-7042	11	20	full	full	ADJ
easat-7042	11	21	independence	independence	NOUN
easat-7042	11	22	without	without	ADP
easat-7042	11	23	gradual	gradual	ADJ
easat-7042	11	24	institutional	institutional	ADJ
easat-7042	11	25	support	support	NOUN
easat-7042	11	26	.	.	PUNCT
easat-7042	12	1	financial	financial	ADJ
easat-7042	12	2	management	management	NOUN
easat-7042	12	3	,	,	PUNCT
easat-7042	12	4	while	while	SCONJ
easat-7042	12	5	positively	positively	ADV
easat-7042	12	6	associated	associate	VERB
easat-7042	12	7	,	,	PUNCT
easat-7042	12	8	does	do	AUX
easat-7042	12	9	not	not	PART
easat-7042	12	10	show	show	VERB
easat-7042	12	11	statistical	statistical	ADJ
easat-7042	12	12	significance	significance	NOUN
easat-7042	12	13	.	.	PUNCT
easat-7042	13	1	the	the	DET
easat-7042	13	2	study	study	NOUN
easat-7042	13	3	enriches	enrich	VERB
easat-7042	13	4	microfinance	microfinance	NOUN
easat-7042	13	5	literature	literature	NOUN
easat-7042	13	6	by	by	ADP
easat-7042	13	7	offering	offer	VERB
easat-7042	13	8	a	a	DET
easat-7042	13	9	comprehensive	comprehensive	ADJ
easat-7042	13	10	framework	framework	NOUN
easat-7042	13	11	that	that	PRON
easat-7042	13	12	captures	capture	VERB
easat-7042	13	13	both	both	CCONJ
easat-7042	13	14	internal	internal	ADJ
easat-7042	13	15	and	and	CCONJ
easat-7042	13	16	external	external	ADJ
easat-7042	13	17	drivers	driver	NOUN
easat-7042	13	18	of	of	ADP
easat-7042	13	19	sustainability	sustainability	NOUN
easat-7042	13	20	.	.	PUNCT
easat-7042	14	1	it	it	PRON
easat-7042	14	2	also	also	ADV
easat-7042	14	3	provides	provide	VERB
easat-7042	14	4	practical	practical	ADJ
easat-7042	14	5	guidance	guidance	NOUN
easat-7042	14	6	for	for	ADP
easat-7042	14	7	pcf	pcf	PROPN
easat-7042	14	8	managers	manager	NOUN
easat-7042	14	9	and	and	CCONJ
easat-7042	14	10	policymakers	policymaker	NOUN
easat-7042	14	11	to	to	PART
easat-7042	14	12	improve	improve	VERB
easat-7042	14	13	operational	operational	ADJ
easat-7042	14	14	performance	performance	NOUN
easat-7042	14	15	and	and	CCONJ
easat-7042	14	16	carefully	carefully	ADV
easat-7042	14	17	plan	plan	VERB
easat-7042	14	18	the	the	DET
easat-7042	14	19	transition	transition	NOUN
easat-7042	14	20	toward	toward	ADP
easat-7042	14	21	greater	great	ADJ
easat-7042	14	22	financial	financial	ADJ
easat-7042	14	23	independence	independence	NOUN
easat-7042	14	24	based	base	VERB
easat-7042	14	25	on	on	ADP
easat-7042	14	26	institutional	institutional	ADJ
easat-7042	14	27	capacity	capacity	NOUN
easat-7042	14	28	.	.	PUNCT
easat-7042	15	1	keywords	keyword	NOUN
easat-7042	15	2	:	:	PUNCT
easat-7042	15	3	financial	financial	ADJ
easat-7042	15	4	management	management	NOUN
easat-7042	15	5	,	,	PUNCT
easat-7042	15	6	financial	financial	ADJ
easat-7042	15	7	self	self	NOUN
easat-7042	15	8	-	-	PUNCT
easat-7042	15	9	sustainability	sustainability	NOUN
easat-7042	15	10	,	,	PUNCT
easat-7042	15	11	financial	financial	ADJ
easat-7042	15	12	sustainability	sustainability	NOUN
easat-7042	15	13	,	,	PUNCT
easat-7042	15	14	pcfs	pcfs	NOUN
easat-7042	15	15	,	,	PUNCT
easat-7042	15	16	microfinance	microfinance	NOUN
easat-7042	15	17	,	,	PUNCT
easat-7042	15	18	vietnam	vietnam	PROPN
easat-7042	15	19	.	.	PUNCT
easat-7042	16	1	1	1	X
easat-7042	16	2	.	.	X
easat-7042	16	3	introduction	introduction	NOUN
easat-7042	16	4	people	people	NOUN
easat-7042	16	5	’s	’s	PART
easat-7042	16	6	credit	credit	NOUN
easat-7042	16	7	funds	fund	NOUN
easat-7042	16	8	(	(	PUNCT
easat-7042	16	9	pcfs	pcfs	PROPN
easat-7042	16	10	)	)	PUNCT
easat-7042	16	11	in	in	ADP
easat-7042	16	12	vietnam	vietnam	PROPN
easat-7042	16	13	represent	represent	VERB
easat-7042	16	14	essential	essential	ADJ
easat-7042	16	15	cooperative	cooperative	ADJ
easat-7042	16	16	financial	financial	ADJ
easat-7042	16	17	institutions	institution	NOUN
easat-7042	16	18	that	that	PRON
easat-7042	16	19	promote	promote	VERB
easat-7042	16	20	financial	financial	ADJ
easat-7042	16	21	inclusion	inclusion	NOUN
easat-7042	16	22	and	and	CCONJ
easat-7042	16	23	drive	drive	VERB
easat-7042	16	24	socio	socio	NOUN
easat-7042	16	25	-	-	PUNCT
easat-7042	16	26	economic	economic	ADJ
easat-7042	16	27	development	development	NOUN
easat-7042	16	28	,	,	PUNCT
easat-7042	16	29	particularly	particularly	ADV
easat-7042	16	30	in	in	ADP
easat-7042	16	31	rural	rural	ADJ
easat-7042	16	32	and	and	CCONJ
easat-7042	16	33	underserved	underserved	ADJ
easat-7042	16	34	regions	region	NOUN
easat-7042	16	35	.	.	PUNCT
easat-7042	17	1	through	through	ADP
easat-7042	17	2	the	the	DET
easat-7042	17	3	provision	provision	NOUN
easat-7042	17	4	of	of	ADP
easat-7042	17	5	customized	customized	ADJ
easat-7042	17	6	credit	credit	NOUN
easat-7042	17	7	and	and	CCONJ
easat-7042	17	8	savings	saving	NOUN
easat-7042	17	9	products	product	NOUN
easat-7042	17	10	,	,	PUNCT
easat-7042	17	11	pcfs	pcfs	PROPN
easat-7042	17	12	enable	enable	VERB
easat-7042	17	13	unbanked	unbanked	ADJ
easat-7042	17	14	and	and	CCONJ
easat-7042	17	15	underbanked	underbanked	ADJ
easat-7042	17	16	households	household	NOUN
easat-7042	17	17	and	and	CCONJ
easat-7042	17	18	small	small	ADJ
easat-7042	17	19	enterprises	enterprise	NOUN
easat-7042	17	20	to	to	PART
easat-7042	17	21	access	access	VERB
easat-7042	17	22	crucial	crucial	ADJ
easat-7042	17	23	financial	financial	ADJ
easat-7042	17	24	resources	resource	NOUN
easat-7042	17	25	needed	need	VERB
easat-7042	17	26	for	for	ADP
easat-7042	17	27	both	both	DET
easat-7042	17	28	business	business	NOUN
easat-7042	17	29	operations	operation	NOUN
easat-7042	17	30	and	and	CCONJ
easat-7042	17	31	everyday	everyday	ADJ
easat-7042	17	32	life	life	NOUN
easat-7042	18	1	[	[	X
easat-7042	18	2	1	1	NUM
easat-7042	18	3	]	]	PUNCT
easat-7042	18	4	.	.	PUNCT
easat-7042	19	1	the	the	DET
easat-7042	19	2	financial	financial	ADJ
easat-7042	19	3	sustainability	sustainability	NOUN
easat-7042	19	4	of	of	ADP
easat-7042	19	5	pcfs	pcfs	NOUN
easat-7042	19	6	—	—	PUNCT
easat-7042	19	7	defined	define	VERB
easat-7042	19	8	as	as	ADP
easat-7042	19	9	their	their	PRON
easat-7042	19	10	ability	ability	NOUN
easat-7042	19	11	to	to	PART
easat-7042	19	12	cover	cover	VERB
easat-7042	19	13	operational	operational	ADJ
easat-7042	19	14	and	and	CCONJ
easat-7042	19	15	financing	financing	NOUN
easat-7042	19	16	costs	cost	NOUN
easat-7042	19	17	independently	independently	ADV
easat-7042	19	18	of	of	ADP
easat-7042	19	19	external	external	ADJ
easat-7042	19	20	subsidies	subsidy	NOUN
easat-7042	19	21	—	—	PUNCT
easat-7042	19	22	is	be	AUX
easat-7042	19	23	vital	vital	ADJ
easat-7042	19	24	for	for	ADP
easat-7042	19	25	their	their	PRON
easat-7042	19	26	continued	continue	VERB
easat-7042	19	27	existence	existence	NOUN
easat-7042	19	28	and	and	CCONJ
easat-7042	19	29	for	for	ADP
easat-7042	19	30	advancing	advance	VERB
easat-7042	19	31	community	community	NOUN
easat-7042	19	32	welfare	welfare	NOUN
easat-7042	19	33	[	[	X
easat-7042	19	34	2	2	NUM
easat-7042	19	35	]	]	PUNCT
easat-7042	19	36	.	.	PUNCT
easat-7042	20	1	however	however	ADV
easat-7042	20	2	,	,	PUNCT
easat-7042	20	3	pcfs	pcfs	PROPN
easat-7042	20	4	face	face	VERB
easat-7042	20	5	significant	significant	ADJ
easat-7042	20	6	challenges	challenge	NOUN
easat-7042	20	7	stemming	stem	VERB
easat-7042	20	8	from	from	ADP
easat-7042	20	9	economic	economic	ADJ
easat-7042	20	10	fluctuations	fluctuation	NOUN
easat-7042	20	11	,	,	PUNCT
easat-7042	20	12	evolving	evolve	VERB
easat-7042	20	13	regulatory	regulatory	ADJ
easat-7042	20	14	landscapes	landscape	NOUN
easat-7042	20	15	,	,	PUNCT
easat-7042	20	16	and	and	CCONJ
easat-7042	20	17	increasing	increase	VERB
easat-7042	20	18	competition	competition	NOUN
easat-7042	20	19	from	from	ADP
easat-7042	20	20	commercial	commercial	ADJ
easat-7042	20	21	financial	financial	ADJ
easat-7042	20	22	institutions	institution	NOUN
easat-7042	20	23	,	,	PUNCT
easat-7042	20	24	all	all	PRON
easat-7042	20	25	of	of	ADP
easat-7042	20	26	which	which	PRON
easat-7042	20	27	pose	pose	VERB
easat-7042	20	28	risks	risk	NOUN
easat-7042	20	29	to	to	ADP
easat-7042	20	30	their	their	PRON
easat-7042	20	31	operational	operational	ADJ
easat-7042	20	32	resilience	resilience	NOUN
easat-7042	20	33	.	.	PUNCT
easat-7042	21	1	in	in	ADP
easat-7042	21	2	the	the	DET
easat-7042	21	3	broader	broad	ADJ
easat-7042	21	4	context	context	NOUN
easat-7042	21	5	of	of	ADP
easat-7042	21	6	vietnam	vietnam	PROPN
easat-7042	21	7	’s	’s	PART
easat-7042	21	8	banking	banking	NOUN
easat-7042	21	9	sector	sector	NOUN
easat-7042	21	10	,	,	PUNCT
easat-7042	21	11	issues	issue	NOUN
easat-7042	21	12	of	of	ADP
easat-7042	21	13	sustainability	sustainability	NOUN
easat-7042	21	14	and	and	CCONJ
easat-7042	21	15	performance	performance	NOUN
easat-7042	21	16	have	have	AUX
easat-7042	21	17	attracted	attract	VERB
easat-7042	21	18	increasing	increase	VERB
easat-7042	21	19	scholarly	scholarly	ADJ
easat-7042	21	20	interest	interest	NOUN
easat-7042	21	21	,	,	PUNCT
easat-7042	21	22	especially	especially	ADV
easat-7042	21	23	in	in	ADP
easat-7042	21	24	light	light	NOUN
easat-7042	21	25	of	of	ADP
easat-7042	21	26	the	the	DET
easat-7042	21	27	post	post	ADJ
easat-7042	21	28	-	-	ADJ
easat-7042	21	29	covid-19	covid-19	ADJ
easat-7042	21	30	recovery	recovery	NOUN
easat-7042	21	31	period	period	NOUN
easat-7042	21	32	,	,	PUNCT
easat-7042	21	33	the	the	DET
easat-7042	21	34	momentum	momentum	NOUN
easat-7042	21	35	of	of	ADP
easat-7042	21	36	digital	digital	ADJ
easat-7042	21	37	transformation	transformation	NOUN
easat-7042	21	38	,	,	PUNCT
easat-7042	21	39	and	and	CCONJ
easat-7042	21	40	the	the	DET
easat-7042	21	41	growing	grow	VERB
easat-7042	21	42	importance	importance	NOUN
easat-7042	21	43	of	of	ADP
easat-7042	21	44	environmental	environmental	ADJ
easat-7042	21	45	,	,	PUNCT
easat-7042	21	46	social	social	ADJ
easat-7042	21	47	,	,	PUNCT
easat-7042	21	48	and	and	CCONJ
easat-7042	21	49	governance	governance	NOUN
easat-7042	21	50	(	(	PUNCT
easat-7042	21	51	esg	esg	NOUN
easat-7042	21	52	)	)	PUNCT
easat-7042	21	53	criteria	criterion	NOUN
easat-7042	21	54	.	.	PUNCT
easat-7042	22	1	recent	recent	ADJ
easat-7042	22	2	empirical	empirical	ADJ
easat-7042	22	3	research	research	NOUN
easat-7042	22	4	by	by	ADP
easat-7042	22	5	nguyen	nguyen	NOUN
easat-7042	22	6	,	,	PUNCT
easat-7042	22	7	et	et	PROPN
easat-7042	22	8	al	al	PROPN
easat-7042	22	9	.	.	PUNCT
easat-7042	23	1	[	[	X
easat-7042	23	2	3	3	NUM
easat-7042	23	3	]	]	PUNCT
easat-7042	23	4	and	and	CCONJ
easat-7042	23	5	phan	phan	PROPN
easat-7042	23	6	,	,	PUNCT
easat-7042	23	7	et	et	PROPN
easat-7042	23	8	al	al	PROPN
easat-7042	23	9	.	.	PUNCT
easat-7042	24	1	[	[	X
easat-7042	24	2	4	4	X
easat-7042	24	3	]	]	PUNCT
easat-7042	24	4	indicates	indicate	VERB
easat-7042	24	5	that	that	SCONJ
easat-7042	24	6	fintech	fintech	NOUN
easat-7042	24	7	adoption	adoption	NOUN
easat-7042	24	8	and	and	CCONJ
easat-7042	24	9	transparent	transparent	ADJ
easat-7042	24	10	esg	esg	NOUN
easat-7042	24	11	disclosures	disclosure	NOUN
easat-7042	24	12	not	not	PART
easat-7042	24	13	only	only	ADV
easat-7042	24	14	enhance	enhance	VERB
easat-7042	24	15	financial	financial	ADJ
easat-7042	24	16	inclusion	inclusion	NOUN
easat-7042	24	17	but	but	CCONJ
easat-7042	24	18	also	also	ADV
easat-7042	24	19	foster	foster	VERB
easat-7042	24	20	sustainable	sustainable	ADJ
easat-7042	24	21	growth	growth	NOUN
easat-7042	24	22	,	,	PUNCT
easat-7042	24	23	making	make	VERB
easat-7042	24	24	these	these	DET
easat-7042	24	25	elements	element	NOUN
easat-7042	24	26	integral	integral	ADJ
easat-7042	24	27	to	to	ADP
easat-7042	24	28	the	the	DET
easat-7042	24	29	long	long	ADJ
easat-7042	24	30	-	-	PUNCT
easat-7042	24	31	term	term	NOUN
easat-7042	24	32	strategies	strategy	NOUN
easat-7042	24	33	of	of	ADP
easat-7042	24	34	financial	financial	ADJ
easat-7042	24	35	institutions	institution	NOUN
easat-7042	24	36	.	.	PUNCT
easat-7042	25	1	these	these	DET
easat-7042	25	2	insights	insight	NOUN
easat-7042	25	3	are	be	AUX
easat-7042	25	4	corroborated	corroborate	VERB
easat-7042	25	5	by	by	ADP
easat-7042	25	6	nguyen	nguyen	NOUN
easat-7042	25	7	and	and	CCONJ
easat-7042	25	8	bui	bui	NOUN
easat-7042	26	1	[	[	X
easat-7042	26	2	5	5	NUM
easat-7042	26	3	]	]	PUNCT
easat-7042	26	4	who	who	PRON
easat-7042	26	5	demonstrate	demonstrate	VERB
easat-7042	26	6	that	that	SCONJ
easat-7042	26	7	a	a	DET
easat-7042	26	8	business	business	NOUN
easat-7042	26	9	model	model	NOUN
easat-7042	26	10	oriented	orient	VERB
easat-7042	26	11	toward	toward	ADP
easat-7042	26	12	sustainability	sustainability	NOUN
easat-7042	26	13	significantly	significantly	ADV
easat-7042	26	14	strengthens	strengthen	VERB
easat-7042	26	15	long	long	ADJ
easat-7042	26	16	-	-	PUNCT
easat-7042	26	17	term	term	NOUN
easat-7042	26	18	competitive	competitive	ADJ
easat-7042	26	19	advantage	advantage	NOUN
easat-7042	26	20	.	.	PUNCT
easat-7042	27	1	https://orcid.org/0009-0001-1689-4497	https://orcid.org/0009-0001-1689-4497	PROPN
easat-7042	27	2	https://orcid.org/0009-0002-4586-2854	https://orcid.org/0009-0002-4586-2854	NOUN
easat-7042	27	3	https://orcid.org/0009-0000-8250-5309	https://orcid.org/0009-0000-8250-5309	NOUN
easat-7042	27	4	https://orcid.org/0009-0005-7247-2634	https://orcid.org/0009-0005-7247-2634	VERB
easat-7042	27	5	https://orcid.org/0009-0002-0453-5654	https://orcid.org/0009-0002-0453-5654	PROPN
easat-7042	27	6	931	931	NUM
easat-7042	27	7	edelweiss	edelweiss	PROPN
easat-7042	27	8	applied	apply	VERB
easat-7042	27	9	science	science	NOUN
easat-7042	27	10	and	and	CCONJ
easat-7042	27	11	technology	technology	NOUN
easat-7042	27	12	issn	issn	PROPN
easat-7042	27	13	:	:	PUNCT
easat-7042	27	14	2576	2576	NUM
easat-7042	27	15	-	-	SYM
easat-7042	27	16	8484	8484	NUM
easat-7042	27	17	vol	vol	NOUN
easat-7042	27	18	.	.	PROPN
easat-7042	28	1	9	9	NUM
easat-7042	28	2	,	,	PUNCT
easat-7042	28	3	no	no	INTJ
easat-7042	28	4	.	.	NOUN
easat-7042	28	5	5	5	NUM
easat-7042	28	6	:	:	SYM
easat-7042	28	7	930	930	NUM
easat-7042	28	8	-	-	SYM
easat-7042	28	9	946	946	NUM
easat-7042	28	10	,	,	PUNCT
easat-7042	28	11	2025	2025	NUM
easat-7042	28	12	doi	doi	NOUN
easat-7042	28	13	:	:	PUNCT
easat-7042	28	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	28	15	©	©	PROPN
easat-7042	28	16	2025	2025	NUM
easat-7042	28	17	by	by	ADP
easat-7042	28	18	the	the	DET
easat-7042	28	19	authors	author	NOUN
easat-7042	28	20	;	;	PUNCT
easat-7042	28	21	licensee	licensee	PROPN
easat-7042	28	22	learning	learning	NOUN
easat-7042	28	23	gate	gate	NOUN
easat-7042	28	24	furthermore	furthermore	ADV
easat-7042	28	25	,	,	PUNCT
easat-7042	28	26	the	the	DET
easat-7042	28	27	implementation	implementation	NOUN
easat-7042	28	28	of	of	ADP
easat-7042	28	29	international	international	ADJ
easat-7042	28	30	financial	financial	ADJ
easat-7042	28	31	reporting	reporting	NOUN
easat-7042	28	32	standards	standard	NOUN
easat-7042	28	33	and	and	CCONJ
easat-7042	28	34	strategic	strategic	ADJ
easat-7042	28	35	diversification	diversification	NOUN
easat-7042	28	36	of	of	ADP
easat-7042	28	37	revenue	revenue	NOUN
easat-7042	28	38	sources	source	NOUN
easat-7042	28	39	have	have	AUX
easat-7042	28	40	been	be	AUX
easat-7042	28	41	shown	show	VERB
easat-7042	28	42	to	to	PART
easat-7042	28	43	improve	improve	VERB
easat-7042	28	44	bank	bank	NOUN
easat-7042	28	45	performance	performance	NOUN
easat-7042	28	46	[	[	X
easat-7042	28	47	6	6	NUM
easat-7042	28	48	]	]	PUNCT
easat-7042	28	49	.	.	PUNCT
easat-7042	29	1	global	global	ADJ
easat-7042	29	2	research	research	NOUN
easat-7042	29	3	concerning	concern	VERB
easat-7042	29	4	microfinance	microfinance	NOUN
easat-7042	29	5	institutions	institution	NOUN
easat-7042	29	6	(	(	PUNCT
easat-7042	29	7	mfis	mfis	PROPN
easat-7042	29	8	)	)	PUNCT
easat-7042	29	9	and	and	CCONJ
easat-7042	29	10	credit	credit	NOUN
easat-7042	29	11	cooperatives	cooperative	NOUN
easat-7042	29	12	highlights	highlight	VERB
easat-7042	29	13	a	a	DET
easat-7042	29	14	combination	combination	NOUN
easat-7042	29	15	of	of	ADP
easat-7042	29	16	internal	internal	ADJ
easat-7042	29	17	and	and	CCONJ
easat-7042	29	18	external	external	ADJ
easat-7042	29	19	factors	factor	NOUN
easat-7042	29	20	influencing	influence	VERB
easat-7042	29	21	financial	financial	ADJ
easat-7042	29	22	sustainability	sustainability	NOUN
easat-7042	29	23	.	.	PUNCT
easat-7042	30	1	internal	internal	ADJ
easat-7042	30	2	drivers	driver	NOUN
easat-7042	30	3	—	—	PUNCT
easat-7042	30	4	such	such	ADJ
easat-7042	30	5	as	as	ADP
easat-7042	30	6	governance	governance	NOUN
easat-7042	30	7	quality	quality	NOUN
easat-7042	30	8	,	,	PUNCT
easat-7042	30	9	organizational	organizational	ADJ
easat-7042	30	10	capacity	capacity	NOUN
easat-7042	30	11	,	,	PUNCT
easat-7042	30	12	and	and	CCONJ
easat-7042	30	13	effective	effective	ADJ
easat-7042	30	14	loan	loan	NOUN
easat-7042	30	15	portfolio	portfolio	NOUN
easat-7042	30	16	management	management	NOUN
easat-7042	30	17	—	—	PUNCT
easat-7042	30	18	have	have	AUX
easat-7042	30	19	been	be	AUX
easat-7042	30	20	consistently	consistently	ADV
easat-7042	30	21	recognized	recognize	VERB
easat-7042	30	22	as	as	ADP
easat-7042	30	23	pivotal	pivotal	ADJ
easat-7042	30	24	determinants	determinant	NOUN
easat-7042	30	25	of	of	ADP
easat-7042	30	26	financial	financial	ADJ
easat-7042	30	27	performance	performance	NOUN
easat-7042	30	28	[	[	X
easat-7042	30	29	7	7	NUM
easat-7042	30	30	,	,	PUNCT
easat-7042	30	31	8	8	NUM
easat-7042	30	32	]	]	PUNCT
easat-7042	30	33	.	.	PUNCT
easat-7042	31	1	nonetheless	nonetheless	ADV
easat-7042	31	2	,	,	PUNCT
easat-7042	31	3	relatively	relatively	ADV
easat-7042	31	4	few	few	ADJ
easat-7042	31	5	studies	study	NOUN
easat-7042	31	6	have	have	AUX
easat-7042	31	7	integrated	integrate	VERB
easat-7042	31	8	the	the	DET
easat-7042	31	9	perspectives	perspective	NOUN
easat-7042	31	10	of	of	ADP
easat-7042	31	11	both	both	DET
easat-7042	31	12	pcf	pcf	PROPN
easat-7042	31	13	managers	manager	NOUN
easat-7042	31	14	and	and	CCONJ
easat-7042	31	15	members	member	NOUN
easat-7042	31	16	,	,	PUNCT
easat-7042	31	17	thereby	thereby	ADV
easat-7042	31	18	limiting	limit	VERB
easat-7042	31	19	the	the	DET
easat-7042	31	20	breadth	breadth	NOUN
easat-7042	31	21	of	of	ADP
easat-7042	31	22	understanding	understanding	NOUN
easat-7042	31	23	regarding	regard	VERB
easat-7042	31	24	the	the	DET
easat-7042	31	25	drivers	driver	NOUN
easat-7042	31	26	of	of	ADP
easat-7042	31	27	sustainability	sustainability	NOUN
easat-7042	31	28	.	.	PUNCT
easat-7042	32	1	addressing	address	VERB
easat-7042	32	2	these	these	DET
easat-7042	32	3	gaps	gap	NOUN
easat-7042	32	4	,	,	PUNCT
easat-7042	32	5	this	this	DET
easat-7042	32	6	study	study	NOUN
easat-7042	32	7	investigates	investigate	VERB
easat-7042	32	8	both	both	CCONJ
easat-7042	32	9	internal	internal	ADJ
easat-7042	32	10	and	and	CCONJ
easat-7042	32	11	external	external	ADJ
easat-7042	32	12	determinants	determinant	NOUN
easat-7042	32	13	of	of	ADP
easat-7042	32	14	financial	financial	ADJ
easat-7042	32	15	sustainability	sustainability	NOUN
easat-7042	32	16	among	among	ADP
easat-7042	32	17	vietnamese	vietnamese	ADJ
easat-7042	32	18	pcfs	pcfs	NOUN
easat-7042	32	19	,	,	PUNCT
easat-7042	32	20	employing	employ	VERB
easat-7042	32	21	a	a	DET
easat-7042	32	22	mixed	mixed	ADJ
easat-7042	32	23	-	-	PUNCT
easat-7042	32	24	methods	method	NOUN
easat-7042	32	25	approach	approach	NOUN
easat-7042	32	26	that	that	PRON
easat-7042	32	27	synthesizes	synthesize	VERB
easat-7042	32	28	quantitative	quantitative	ADJ
easat-7042	32	29	survey	survey	NOUN
easat-7042	32	30	data	datum	NOUN
easat-7042	32	31	with	with	ADP
easat-7042	32	32	qualitative	qualitative	ADJ
easat-7042	32	33	interview	interview	NOUN
easat-7042	32	34	findings	finding	NOUN
easat-7042	32	35	.	.	PUNCT
easat-7042	33	1	theoretically	theoretically	ADV
easat-7042	33	2	,	,	PUNCT
easat-7042	33	3	the	the	DET
easat-7042	33	4	research	research	NOUN
easat-7042	33	5	contributes	contribute	VERB
easat-7042	33	6	to	to	ADP
easat-7042	33	7	the	the	DET
easat-7042	33	8	microfinance	microfinance	NOUN
easat-7042	33	9	literature	literature	NOUN
easat-7042	33	10	by	by	ADP
easat-7042	33	11	validating	validate	VERB
easat-7042	33	12	and	and	CCONJ
easat-7042	33	13	refining	refine	VERB
easat-7042	33	14	the	the	DET
easat-7042	33	15	financial	financial	ADJ
easat-7042	33	16	sustainability	sustainability	NOUN
easat-7042	33	17	framework	framework	NOUN
easat-7042	33	18	specific	specific	ADJ
easat-7042	33	19	to	to	ADP
easat-7042	33	20	the	the	DET
easat-7042	33	21	vietnamese	vietnamese	ADJ
easat-7042	33	22	context	context	NOUN
easat-7042	33	23	.	.	PUNCT
easat-7042	34	1	it	it	PRON
easat-7042	34	2	offers	offer	VERB
easat-7042	34	3	empirical	empirical	ADJ
easat-7042	34	4	evidence	evidence	NOUN
easat-7042	34	5	on	on	ADP
easat-7042	34	6	the	the	DET
easat-7042	34	7	dynamic	dynamic	ADJ
easat-7042	34	8	interactions	interaction	NOUN
easat-7042	34	9	among	among	ADP
easat-7042	34	10	organizational	organizational	ADJ
easat-7042	34	11	capacity	capacity	NOUN
easat-7042	34	12	,	,	PUNCT
easat-7042	34	13	governance	governance	NOUN
easat-7042	34	14	practices	practice	NOUN
easat-7042	34	15	,	,	PUNCT
easat-7042	34	16	and	and	CCONJ
easat-7042	34	17	transparency	transparency	NOUN
easat-7042	34	18	mechanisms	mechanism	NOUN
easat-7042	34	19	in	in	ADP
easat-7042	34	20	shaping	shape	VERB
easat-7042	34	21	sustainability	sustainability	NOUN
easat-7042	34	22	outcomes	outcome	NOUN
easat-7042	34	23	.	.	PUNCT
easat-7042	35	1	additionally	additionally	ADV
easat-7042	35	2	,	,	PUNCT
easat-7042	35	3	the	the	DET
easat-7042	35	4	study	study	NOUN
easat-7042	35	5	critically	critically	ADV
easat-7042	35	6	examines	examine	VERB
easat-7042	35	7	the	the	DET
easat-7042	35	8	conventional	conventional	ADJ
easat-7042	35	9	assumption	assumption	NOUN
easat-7042	35	10	that	that	SCONJ
easat-7042	35	11	financial	financial	ADJ
easat-7042	35	12	self	self	NOUN
easat-7042	35	13	-	-	PUNCT
easat-7042	35	14	sufficiency	sufficiency	NOUN
easat-7042	35	15	inherently	inherently	ADV
easat-7042	35	16	promotes	promote	VERB
easat-7042	35	17	sustainability	sustainability	NOUN
easat-7042	35	18	,	,	PUNCT
easat-7042	35	19	exploring	explore	VERB
easat-7042	35	20	its	its	PRON
easat-7042	35	21	potential	potential	ADJ
easat-7042	35	22	unintended	unintended	ADJ
easat-7042	35	23	consequences	consequence	NOUN
easat-7042	35	24	,	,	PUNCT
easat-7042	35	25	and	and	CCONJ
easat-7042	35	26	thereby	thereby	ADV
easat-7042	35	27	enriching	enrich	VERB
easat-7042	35	28	the	the	DET
easat-7042	35	29	discourse	discourse	NOUN
easat-7042	35	30	on	on	ADP
easat-7042	35	31	balancing	balance	VERB
easat-7042	35	32	financial	financial	ADJ
easat-7042	35	33	viability	viability	NOUN
easat-7042	35	34	with	with	ADP
easat-7042	35	35	social	social	ADJ
easat-7042	35	36	objectives	objective	NOUN
easat-7042	35	37	within	within	ADP
easat-7042	35	38	cooperative	cooperative	ADJ
easat-7042	35	39	finance	finance	NOUN
easat-7042	35	40	[	[	X
easat-7042	35	41	2	2	NUM
easat-7042	35	42	]	]	PUNCT
easat-7042	35	43	.	.	PUNCT
easat-7042	36	1	from	from	ADP
easat-7042	36	2	a	a	DET
easat-7042	36	3	practical	practical	ADJ
easat-7042	36	4	standpoint	standpoint	NOUN
easat-7042	36	5	,	,	PUNCT
easat-7042	36	6	the	the	DET
easat-7042	36	7	research	research	NOUN
easat-7042	36	8	delivers	deliver	VERB
easat-7042	36	9	targeted	target	VERB
easat-7042	36	10	policy	policy	NOUN
easat-7042	36	11	and	and	CCONJ
easat-7042	36	12	managerial	managerial	ADJ
easat-7042	36	13	recommendations	recommendation	NOUN
easat-7042	36	14	aimed	aim	VERB
easat-7042	36	15	at	at	ADP
easat-7042	36	16	strengthening	strengthen	VERB
easat-7042	36	17	the	the	DET
easat-7042	36	18	sustainability	sustainability	NOUN
easat-7042	36	19	of	of	ADP
easat-7042	36	20	pcfs	pcfs	NOUN
easat-7042	36	21	through	through	ADP
easat-7042	36	22	improved	improve	VERB
easat-7042	36	23	governance	governance	NOUN
easat-7042	36	24	structures	structure	NOUN
easat-7042	36	25	,	,	PUNCT
easat-7042	36	26	enhanced	enhance	VERB
easat-7042	36	27	productivity	productivity	NOUN
easat-7042	36	28	,	,	PUNCT
easat-7042	36	29	and	and	CCONJ
easat-7042	36	30	broader	broad	ADJ
easat-7042	36	31	client	client	NOUN
easat-7042	36	32	outreach	outreach	NOUN
easat-7042	36	33	.	.	PUNCT
easat-7042	37	1	by	by	ADP
easat-7042	37	2	proposing	propose	VERB
easat-7042	37	3	strategies	strategy	NOUN
easat-7042	37	4	tailored	tailor	VERB
easat-7042	37	5	to	to	ADP
easat-7042	37	6	the	the	DET
easat-7042	37	7	vietnamese	vietnamese	ADJ
easat-7042	37	8	context	context	NOUN
easat-7042	37	9	,	,	PUNCT
easat-7042	37	10	the	the	DET
easat-7042	37	11	study	study	NOUN
easat-7042	37	12	supports	support	VERB
easat-7042	37	13	the	the	DET
easat-7042	37	14	development	development	NOUN
easat-7042	37	15	of	of	ADP
easat-7042	37	16	resilient	resilient	ADJ
easat-7042	37	17	pcfs	pcfs	NOUN
easat-7042	37	18	capable	capable	ADJ
easat-7042	37	19	of	of	ADP
easat-7042	37	20	more	more	ADV
easat-7042	37	21	effectively	effectively	ADV
easat-7042	37	22	serving	serve	VERB
easat-7042	37	23	rural	rural	ADJ
easat-7042	37	24	communities	community	NOUN
easat-7042	37	25	and	and	CCONJ
easat-7042	37	26	advancing	advance	VERB
easat-7042	37	27	the	the	DET
easat-7042	37	28	nation	nation	NOUN
easat-7042	37	29	's	's	PART
easat-7042	37	30	broader	broad	ADJ
easat-7042	37	31	financial	financial	ADJ
easat-7042	37	32	inclusion	inclusion	NOUN
easat-7042	37	33	goals	goal	NOUN
easat-7042	37	34	[	[	X
easat-7042	37	35	9	9	NUM
easat-7042	37	36	]	]	PUNCT
easat-7042	37	37	.	.	PUNCT
easat-7042	38	1	the	the	DET
easat-7042	38	2	remainder	remainder	NOUN
easat-7042	38	3	of	of	ADP
easat-7042	38	4	this	this	DET
easat-7042	38	5	paper	paper	NOUN
easat-7042	38	6	is	be	AUX
easat-7042	38	7	organized	organize	VERB
easat-7042	38	8	as	as	SCONJ
easat-7042	38	9	follows	follow	VERB
easat-7042	38	10	:	:	PUNCT
easat-7042	38	11	section	section	NOUN
easat-7042	38	12	2	2	NUM
easat-7042	38	13	reviews	review	VERB
easat-7042	38	14	the	the	DET
easat-7042	38	15	relevant	relevant	ADJ
easat-7042	38	16	literature	literature	NOUN
easat-7042	38	17	,	,	PUNCT
easat-7042	38	18	constructs	construct	VERB
easat-7042	38	19	the	the	DET
easat-7042	38	20	theoretical	theoretical	ADJ
easat-7042	38	21	framework	framework	NOUN
easat-7042	38	22	,	,	PUNCT
easat-7042	38	23	and	and	CCONJ
easat-7042	38	24	defines	define	VERB
easat-7042	38	25	key	key	ADJ
easat-7042	38	26	variables	variable	NOUN
easat-7042	38	27	.	.	PUNCT
easat-7042	39	1	section	section	NOUN
easat-7042	39	2	3	3	NUM
easat-7042	39	3	details	detail	NOUN
easat-7042	39	4	the	the	DET
easat-7042	39	5	research	research	NOUN
easat-7042	39	6	methodology	methodology	NOUN
easat-7042	39	7	,	,	PUNCT
easat-7042	39	8	including	include	VERB
easat-7042	39	9	data	data	NOUN
easat-7042	39	10	collection	collection	NOUN
easat-7042	39	11	methods	method	NOUN
easat-7042	39	12	and	and	CCONJ
easat-7042	39	13	analytical	analytical	ADJ
easat-7042	39	14	procedures	procedure	NOUN
easat-7042	39	15	.	.	PUNCT
easat-7042	40	1	section	section	NOUN
easat-7042	40	2	4	4	NUM
easat-7042	40	3	presents	present	VERB
easat-7042	40	4	the	the	DET
easat-7042	40	5	empirical	empirical	ADJ
easat-7042	40	6	findings	finding	NOUN
easat-7042	40	7	,	,	PUNCT
easat-7042	40	8	comprising	comprise	VERB
easat-7042	40	9	both	both	DET
easat-7042	40	10	quantitative	quantitative	ADJ
easat-7042	40	11	results	result	NOUN
easat-7042	40	12	and	and	CCONJ
easat-7042	40	13	qualitative	qualitative	ADJ
easat-7042	40	14	insights	insight	NOUN
easat-7042	40	15	.	.	PUNCT
easat-7042	41	1	section	section	NOUN
easat-7042	41	2	5	5	NUM
easat-7042	41	3	discusses	discuss	VERB
easat-7042	41	4	the	the	DET
easat-7042	41	5	findings	finding	NOUN
easat-7042	41	6	in	in	ADP
easat-7042	41	7	relation	relation	NOUN
easat-7042	41	8	to	to	ADP
easat-7042	41	9	existing	exist	VERB
easat-7042	41	10	literature	literature	NOUN
easat-7042	41	11	and	and	CCONJ
easat-7042	41	12	explores	explore	VERB
easat-7042	41	13	their	their	PRON
easat-7042	41	14	policy	policy	NOUN
easat-7042	41	15	implications	implication	NOUN
easat-7042	41	16	.	.	PUNCT
easat-7042	42	1	finally	finally	ADV
easat-7042	42	2	,	,	PUNCT
easat-7042	42	3	section	section	NOUN
easat-7042	42	4	6	6	NUM
easat-7042	42	5	concludes	conclude	VERB
easat-7042	42	6	the	the	DET
easat-7042	42	7	paper	paper	NOUN
easat-7042	42	8	with	with	ADP
easat-7042	42	9	a	a	DET
easat-7042	42	10	summary	summary	NOUN
easat-7042	42	11	of	of	ADP
easat-7042	42	12	key	key	ADJ
easat-7042	42	13	findings	finding	NOUN
easat-7042	42	14	,	,	PUNCT
easat-7042	42	15	policy	policy	NOUN
easat-7042	42	16	recommendations	recommendation	NOUN
easat-7042	42	17	,	,	PUNCT
easat-7042	42	18	and	and	CCONJ
easat-7042	42	19	suggestions	suggestion	NOUN
easat-7042	42	20	for	for	ADP
easat-7042	42	21	future	future	ADJ
easat-7042	42	22	research	research	NOUN
easat-7042	42	23	.	.	PUNCT
easat-7042	43	1	through	through	ADP
easat-7042	43	2	a	a	DET
easat-7042	43	3	comprehensive	comprehensive	ADJ
easat-7042	43	4	analysis	analysis	NOUN
easat-7042	43	5	of	of	ADP
easat-7042	43	6	the	the	DET
easat-7042	43	7	financial	financial	ADJ
easat-7042	43	8	sustainability	sustainability	NOUN
easat-7042	43	9	of	of	ADP
easat-7042	43	10	vietnam	vietnam	PROPN
easat-7042	43	11	’s	’s	PART
easat-7042	43	12	pcfs	pcfs	NOUN
easat-7042	43	13	,	,	PUNCT
easat-7042	43	14	this	this	DET
easat-7042	43	15	study	study	NOUN
easat-7042	43	16	not	not	PART
easat-7042	43	17	only	only	ADV
easat-7042	43	18	advances	advance	VERB
easat-7042	43	19	academic	academic	ADJ
easat-7042	43	20	knowledge	knowledge	NOUN
easat-7042	43	21	but	but	CCONJ
easat-7042	43	22	also	also	ADV
easat-7042	43	23	offers	offer	VERB
easat-7042	43	24	practical	practical	ADJ
easat-7042	43	25	guidance	guidance	NOUN
easat-7042	43	26	for	for	ADP
easat-7042	43	27	stakeholders	stakeholder	NOUN
easat-7042	43	28	engaged	engage	VERB
easat-7042	43	29	in	in	ADP
easat-7042	43	30	community	community	NOUN
easat-7042	43	31	finance	finance	NOUN
easat-7042	43	32	.	.	PUNCT
easat-7042	44	1	2	2	X
easat-7042	44	2	.	.	X
easat-7042	44	3	literature	literature	NOUN
easat-7042	44	4	review	review	VERB
easat-7042	44	5	2.1	2.1	NUM
easat-7042	44	6	.	.	PUNCT
easat-7042	45	1	background	background	NOUN
easat-7042	45	2	theory	theory	NOUN
easat-7042	45	3	2.1.1	2.1.1	NUM
easat-7042	45	4	.	.	PUNCT
easat-7042	46	1	the	the	DET
easat-7042	46	2	concept	concept	NOUN
easat-7042	46	3	of	of	ADP
easat-7042	46	4	people	people	NOUN
easat-7042	46	5	's	's	PART
easat-7042	46	6	credit	credit	NOUN
easat-7042	46	7	funds	fund	NOUN
easat-7042	46	8	and	and	CCONJ
easat-7042	46	9	financial	financial	ADJ
easat-7042	46	10	sustainability	sustainability	NOUN
easat-7042	46	11	people	people	NOUN
easat-7042	46	12	's	's	PART
easat-7042	46	13	credit	credit	NOUN
easat-7042	46	14	funds	fund	NOUN
easat-7042	46	15	(	(	PUNCT
easat-7042	46	16	pcfs	pcfs	PROPN
easat-7042	46	17	)	)	PUNCT
easat-7042	46	18	are	be	AUX
easat-7042	46	19	cooperative	cooperative	ADJ
easat-7042	46	20	credit	credit	NOUN
easat-7042	46	21	institutions	institution	NOUN
easat-7042	46	22	formed	form	VERB
easat-7042	46	23	by	by	ADP
easat-7042	46	24	legal	legal	ADJ
easat-7042	46	25	entities	entity	NOUN
easat-7042	46	26	,	,	PUNCT
easat-7042	46	27	individuals	individual	NOUN
easat-7042	46	28	,	,	PUNCT
easat-7042	46	29	and	and	CCONJ
easat-7042	46	30	households	household	NOUN
easat-7042	46	31	under	under	ADP
easat-7042	46	32	the	the	DET
easat-7042	46	33	law	law	NOUN
easat-7042	46	34	on	on	ADP
easat-7042	46	35	credit	credit	NOUN
easat-7042	46	36	institutions	institution	NOUN
easat-7042	46	37	and	and	CCONJ
easat-7042	46	38	the	the	DET
easat-7042	46	39	law	law	NOUN
easat-7042	46	40	on	on	ADP
easat-7042	46	41	cooperatives	cooperative	NOUN
easat-7042	46	42	,	,	PUNCT
easat-7042	46	43	primarily	primarily	ADV
easat-7042	46	44	aiming	aim	VERB
easat-7042	46	45	to	to	PART
easat-7042	46	46	support	support	VERB
easat-7042	46	47	mutual	mutual	ADJ
easat-7042	46	48	assistance	assistance	NOUN
easat-7042	46	49	in	in	ADP
easat-7042	46	50	production	production	NOUN
easat-7042	46	51	,	,	PUNCT
easat-7042	46	52	business	business	NOUN
easat-7042	46	53	,	,	PUNCT
easat-7042	46	54	and	and	CCONJ
easat-7042	46	55	livelihood	livelihood	NOUN
easat-7042	46	56	enhancement	enhancement	NOUN
easat-7042	46	57	[	[	X
easat-7042	46	58	10	10	NUM
easat-7042	46	59	]	]	PUNCT
easat-7042	46	60	.	.	PUNCT
easat-7042	47	1	as	as	ADP
easat-7042	47	2	distinct	distinct	ADJ
easat-7042	47	3	legal	legal	ADJ
easat-7042	47	4	entities	entity	NOUN
easat-7042	47	5	,	,	PUNCT
easat-7042	47	6	pcfs	pcfs	PROPN
easat-7042	47	7	mobilize	mobilize	VERB
easat-7042	47	8	member	member	NOUN
easat-7042	47	9	savings	saving	NOUN
easat-7042	47	10	for	for	ADP
easat-7042	47	11	investment	investment	NOUN
easat-7042	47	12	and	and	CCONJ
easat-7042	47	13	trade	trade	NOUN
easat-7042	47	14	,	,	PUNCT
easat-7042	47	15	thereby	thereby	ADV
easat-7042	47	16	reinforcing	reinforce	VERB
easat-7042	47	17	the	the	DET
easat-7042	47	18	formal	formal	ADJ
easat-7042	47	19	financial	financial	ADJ
easat-7042	47	20	system	system	NOUN
easat-7042	47	21	,	,	PUNCT
easat-7042	47	22	reducing	reduce	VERB
easat-7042	47	23	poverty	poverty	NOUN
easat-7042	47	24	,	,	PUNCT
easat-7042	47	25	and	and	CCONJ
easat-7042	47	26	enhancing	enhance	VERB
easat-7042	47	27	incomes	income	NOUN
easat-7042	47	28	.	.	PUNCT
easat-7042	48	1	to	to	PART
easat-7042	48	2	sustain	sustain	VERB
easat-7042	48	3	these	these	DET
easat-7042	48	4	vital	vital	ADJ
easat-7042	48	5	economic	economic	ADJ
easat-7042	48	6	and	and	CCONJ
easat-7042	48	7	social	social	ADJ
easat-7042	48	8	functions	function	NOUN
easat-7042	48	9	,	,	PUNCT
easat-7042	48	10	pcfs	pcfs	PROPN
easat-7042	48	11	must	must	AUX
easat-7042	48	12	achieve	achieve	VERB
easat-7042	48	13	financial	financial	ADJ
easat-7042	48	14	self	self	NOUN
easat-7042	48	15	-	-	PUNCT
easat-7042	48	16	sufficiency	sufficiency	NOUN
easat-7042	48	17	.	.	PUNCT
easat-7042	49	1	from	from	ADP
easat-7042	49	2	both	both	CCONJ
easat-7042	49	3	theoretical	theoretical	ADJ
easat-7042	49	4	and	and	CCONJ
easat-7042	49	5	practical	practical	ADJ
easat-7042	49	6	perspectives	perspective	NOUN
easat-7042	49	7	,	,	PUNCT
easat-7042	49	8	scholars	scholar	NOUN
easat-7042	49	9	and	and	CCONJ
easat-7042	49	10	development	development	NOUN
easat-7042	49	11	agencies	agency	NOUN
easat-7042	49	12	—	—	PUNCT
easat-7042	49	13	including	include	VERB
easat-7042	49	14	ledgerwood	ledgerwood	NOUN
easat-7042	49	15	,	,	PUNCT
easat-7042	49	16	et	et	PROPN
easat-7042	49	17	al	al	PROPN
easat-7042	49	18	.	.	PUNCT
easat-7042	50	1	[	[	X
easat-7042	50	2	2	2	NUM
easat-7042	50	3	]	]	PUNCT
easat-7042	50	4	and	and	CCONJ
easat-7042	50	5	cgap	cgap	NOUN
easat-7042	51	1	[	[	X
easat-7042	51	2	11	11	NUM
easat-7042	51	3	]	]	PUNCT
easat-7042	51	4	and	and	CCONJ
easat-7042	51	5	the	the	DET
easat-7042	51	6	asian	asian	PROPN
easat-7042	51	7	development	development	PROPN
easat-7042	51	8	bank	bank	PROPN
easat-7042	51	9	(	(	PUNCT
easat-7042	51	10	adb	adb	PROPN
easat-7042	51	11	)	)	PUNCT
easat-7042	52	1	[	[	X
easat-7042	52	2	12]—argue	12]—argue	NUM
easat-7042	52	3	that	that	DET
easat-7042	52	4	pcfs	pcfs	NOUN
easat-7042	52	5	go	go	VERB
easat-7042	52	6	beyond	beyond	ADP
easat-7042	52	7	being	be	AUX
easat-7042	52	8	mere	mere	ADJ
easat-7042	52	9	alternative	alternative	ADJ
easat-7042	52	10	credit	credit	NOUN
easat-7042	52	11	providers	provider	NOUN
easat-7042	52	12	;	;	PUNCT
easat-7042	52	13	they	they	PRON
easat-7042	52	14	operationalize	operationalize	VERB
easat-7042	52	15	principles	principle	NOUN
easat-7042	52	16	of	of	ADP
easat-7042	52	17	autonomy	autonomy	NOUN
easat-7042	52	18	,	,	PUNCT
easat-7042	52	19	collaboration	collaboration	NOUN
easat-7042	52	20	,	,	PUNCT
easat-7042	52	21	and	and	CCONJ
easat-7042	52	22	mutual	mutual	ADJ
easat-7042	52	23	support	support	NOUN
easat-7042	52	24	in	in	ADP
easat-7042	52	25	managing	manage	VERB
easat-7042	52	26	financial	financial	ADJ
easat-7042	52	27	resources	resource	NOUN
easat-7042	52	28	.	.	PUNCT
easat-7042	53	1	these	these	DET
easat-7042	53	2	contributions	contribution	NOUN
easat-7042	53	3	play	play	VERB
easat-7042	53	4	a	a	DET
easat-7042	53	5	significant	significant	ADJ
easat-7042	53	6	role	role	NOUN
easat-7042	53	7	in	in	ADP
easat-7042	53	8	socio	socio	NOUN
easat-7042	53	9	-	-	PUNCT
easat-7042	53	10	economic	economic	ADJ
easat-7042	53	11	development	development	NOUN
easat-7042	53	12	,	,	PUNCT
easat-7042	53	13	particularly	particularly	ADV
easat-7042	53	14	in	in	ADP
easat-7042	53	15	rural	rural	ADJ
easat-7042	53	16	and	and	CCONJ
easat-7042	53	17	underserved	underserved	ADJ
easat-7042	53	18	areas	area	NOUN
easat-7042	53	19	.	.	PUNCT
easat-7042	54	1	the	the	DET
easat-7042	54	2	world	world	PROPN
easat-7042	54	3	bank	bank	PROPN
easat-7042	54	4	[	[	X
easat-7042	54	5	13	13	NUM
easat-7042	54	6	]	]	PUNCT
easat-7042	54	7	asserts	assert	VERB
easat-7042	54	8	that	that	SCONJ
easat-7042	54	9	the	the	DET
easat-7042	54	10	sustainable	sustainable	ADJ
easat-7042	54	11	development	development	NOUN
easat-7042	54	12	of	of	ADP
easat-7042	54	13	financial	financial	ADJ
easat-7042	54	14	sectors	sector	NOUN
easat-7042	54	15	in	in	ADP
easat-7042	54	16	emerging	emerge	VERB
easat-7042	54	17	economies	economy	NOUN
easat-7042	54	18	depends	depend	VERB
easat-7042	54	19	on	on	ADP
easat-7042	54	20	adherence	adherence	NOUN
easat-7042	54	21	to	to	ADP
easat-7042	54	22	several	several	ADJ
easat-7042	54	23	core	core	NOUN
easat-7042	54	24	principles	principle	NOUN
easat-7042	54	25	:	:	PUNCT
easat-7042	54	26	1	1	X
easat-7042	54	27	.	.	X
easat-7042	54	28	defining	define	VERB
easat-7042	54	29	explicit	explicit	ADJ
easat-7042	54	30	development	development	NOUN
easat-7042	54	31	objectives	objective	NOUN
easat-7042	54	32	932	932	NUM
easat-7042	54	33	edelweiss	edelweiss	PROPN
easat-7042	54	34	applied	apply	VERB
easat-7042	54	35	science	science	NOUN
easat-7042	54	36	and	and	CCONJ
easat-7042	54	37	technology	technology	NOUN
easat-7042	54	38	issn	issn	PROPN
easat-7042	54	39	:	:	PUNCT
easat-7042	54	40	2576	2576	NUM
easat-7042	54	41	-	-	SYM
easat-7042	54	42	8484	8484	NUM
easat-7042	54	43	vol	vol	NOUN
easat-7042	54	44	.	.	PROPN
easat-7042	55	1	9	9	NUM
easat-7042	55	2	,	,	PUNCT
easat-7042	55	3	no	no	INTJ
easat-7042	55	4	.	.	NOUN
easat-7042	55	5	5	5	NUM
easat-7042	55	6	:	:	SYM
easat-7042	55	7	930	930	NUM
easat-7042	55	8	-	-	SYM
easat-7042	55	9	946	946	NUM
easat-7042	55	10	,	,	PUNCT
easat-7042	55	11	2025	2025	NUM
easat-7042	55	12	doi	doi	NOUN
easat-7042	55	13	:	:	PUNCT
easat-7042	55	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	55	15	©	©	PROPN
easat-7042	55	16	2025	2025	NUM
easat-7042	55	17	by	by	ADP
easat-7042	55	18	the	the	DET
easat-7042	55	19	authors	author	NOUN
easat-7042	55	20	;	;	PUNCT
easat-7042	55	21	licensee	licensee	PROPN
easat-7042	55	22	learning	learning	NOUN
easat-7042	55	23	gate	gate	NOUN
easat-7042	55	24	2	2	NUM
easat-7042	55	25	.	.	PUNCT
easat-7042	55	26	employing	employ	VERB
easat-7042	55	27	market	market	NOUN
easat-7042	55	28	-	-	PUNCT
easat-7042	55	29	based	base	VERB
easat-7042	55	30	economic	economic	ADJ
easat-7042	55	31	instruments	instrument	NOUN
easat-7042	55	32	when	when	SCONJ
easat-7042	55	33	feasible	feasible	ADJ
easat-7042	55	34	3	3	X
easat-7042	55	35	.	.	PUNCT
easat-7042	56	1	promoting	promote	VERB
easat-7042	56	2	household	household	NOUN
easat-7042	56	3	and	and	CCONJ
easat-7042	56	4	institutional	institutional	ADJ
easat-7042	56	5	savings	saving	NOUN
easat-7042	56	6	4	4	NUM
easat-7042	56	7	.	.	PUNCT
easat-7042	56	8	optimizing	optimize	VERB
easat-7042	56	9	organizational	organizational	ADJ
easat-7042	56	10	and	and	CCONJ
easat-7042	56	11	governance	governance	NOUN
easat-7042	56	12	structures	structure	NOUN
easat-7042	56	13	5	5	NUM
easat-7042	56	14	.	.	PUNCT
easat-7042	56	15	leveraging	leverage	VERB
easat-7042	56	16	synergistic	synergistic	ADJ
easat-7042	56	17	opportunities	opportunity	NOUN
easat-7042	56	18	to	to	PART
easat-7042	56	19	generate	generate	VERB
easat-7042	56	20	multiplier	multipli	ADJ
easat-7042	56	21	effects	effect	NOUN
easat-7042	56	22	6	6	NUM
easat-7042	56	23	.	.	PUNCT
easat-7042	56	24	incentivizing	incentivize	VERB
easat-7042	56	25	private	private	ADJ
easat-7042	56	26	-	-	PUNCT
easat-7042	56	27	sector	sector	NOUN
easat-7042	56	28	participation	participation	NOUN
easat-7042	56	29	in	in	ADP
easat-7042	56	30	environmental	environmental	ADJ
easat-7042	56	31	initiatives	initiative	NOUN
easat-7042	56	32	7	7	NUM
easat-7042	56	33	.	.	PUNCT
easat-7042	56	34	strengthening	strengthen	VERB
easat-7042	56	35	environmental	environmental	ADJ
easat-7042	56	36	institutions	institution	NOUN
easat-7042	56	37	8	8	NUM
easat-7042	56	38	.	.	PUNCT
easat-7042	57	1	prioritizing	prioritize	VERB
easat-7042	57	2	sound	sound	NOUN
easat-7042	57	3	management	management	NOUN
easat-7042	57	4	practices	practice	NOUN
easat-7042	57	5	over	over	ADP
easat-7042	57	6	technological	technological	ADJ
easat-7042	57	7	solutions	solution	NOUN
easat-7042	57	8	9	9	NUM
easat-7042	57	9	.	.	PUNCT
easat-7042	57	10	emphasizing	emphasize	VERB
easat-7042	57	11	preventive	preventive	ADJ
easat-7042	57	12	measures	measure	NOUN
easat-7042	57	13	over	over	ADP
easat-7042	57	14	remedial	remedial	ADJ
easat-7042	57	15	actions	action	NOUN
easat-7042	57	16	10	10	NUM
easat-7042	57	17	.	.	PUNCT
easat-7042	58	1	fostering	foster	VERB
easat-7042	58	2	broad	broad	ADV
easat-7042	58	3	-	-	PUNCT
easat-7042	58	4	based	base	VERB
easat-7042	58	5	social	social	ADJ
easat-7042	58	6	engagement	engagement	NOUN
easat-7042	58	7	in	in	ADP
easat-7042	58	8	environmental	environmental	ADJ
easat-7042	58	9	stewardship	stewardship	NOUN
easat-7042	58	10	.	.	PUNCT
easat-7042	59	1	2.1.2	2.1.2	X
easat-7042	59	2	.	.	NOUN
easat-7042	59	3	rationale	rationale	NOUN
easat-7042	59	4	for	for	ADP
easat-7042	59	5	applying	apply	VERB
easat-7042	59	6	the	the	DET
easat-7042	59	7	financial	financial	ADJ
easat-7042	59	8	sustainability	sustainability	NOUN
easat-7042	59	9	of	of	ADP
easat-7042	59	10	pcfs	pcfs	PROPN
easat-7042	59	11	framework	framework	NOUN
easat-7042	59	12	the	the	DET
easat-7042	59	13	adoption	adoption	NOUN
easat-7042	59	14	of	of	ADP
easat-7042	59	15	a	a	DET
easat-7042	59	16	financial	financial	ADJ
easat-7042	59	17	sustainability	sustainability	NOUN
easat-7042	59	18	framework	framework	NOUN
easat-7042	59	19	for	for	ADP
easat-7042	59	20	pcfs	pcfs	NOUN
easat-7042	59	21	is	be	AUX
easat-7042	59	22	justified	justify	VERB
easat-7042	59	23	for	for	ADP
easat-7042	59	24	several	several	ADJ
easat-7042	59	25	reasons	reason	NOUN
easat-7042	59	26	.	.	PUNCT
easat-7042	60	1	first	first	ADV
easat-7042	60	2	,	,	PUNCT
easat-7042	60	3	it	it	PRON
easat-7042	60	4	provides	provide	VERB
easat-7042	60	5	an	an	DET
easat-7042	60	6	integrated	integrated	ADJ
easat-7042	60	7	view	view	NOUN
easat-7042	60	8	of	of	ADP
easat-7042	60	9	the	the	DET
easat-7042	60	10	economic	economic	ADJ
easat-7042	60	11	,	,	PUNCT
easat-7042	60	12	social	social	ADJ
easat-7042	60	13	,	,	PUNCT
easat-7042	60	14	and	and	CCONJ
easat-7042	60	15	governance	governance	NOUN
easat-7042	60	16	dimensions	dimension	NOUN
easat-7042	60	17	that	that	PRON
easat-7042	60	18	influence	influence	VERB
easat-7042	60	19	institutional	institutional	ADJ
easat-7042	60	20	endurance	endurance	NOUN
easat-7042	60	21	.	.	PUNCT
easat-7042	61	1	by	by	ADP
easat-7042	61	2	analyzing	analyze	VERB
easat-7042	61	3	how	how	SCONJ
easat-7042	61	4	these	these	DET
easat-7042	61	5	dimensions	dimension	NOUN
easat-7042	61	6	interact	interact	VERB
easat-7042	61	7	,	,	PUNCT
easat-7042	61	8	scholars	scholar	NOUN
easat-7042	61	9	can	can	AUX
easat-7042	61	10	identify	identify	VERB
easat-7042	61	11	the	the	DET
easat-7042	61	12	critical	critical	ADJ
easat-7042	61	13	conditions	condition	NOUN
easat-7042	61	14	and	and	CCONJ
easat-7042	61	15	threshold	threshold	NOUN
easat-7042	61	16	effects	effect	NOUN
easat-7042	61	17	that	that	PRON
easat-7042	61	18	support	support	VERB
easat-7042	61	19	or	or	CCONJ
easat-7042	61	20	undermine	undermine	VERB
easat-7042	61	21	pcf	pcf	PROPN
easat-7042	61	22	viability	viability	NOUN
easat-7042	61	23	.	.	PUNCT
easat-7042	62	1	second	second	ADV
easat-7042	62	2	,	,	PUNCT
easat-7042	62	3	the	the	DET
easat-7042	62	4	framework	framework	NOUN
easat-7042	62	5	’s	’s	PART
easat-7042	62	6	emphasis	emphasis	NOUN
easat-7042	62	7	on	on	ADP
easat-7042	62	8	social	social	ADJ
easat-7042	62	9	responsibility	responsibility	NOUN
easat-7042	62	10	aligns	align	VERB
easat-7042	62	11	with	with	ADP
easat-7042	62	12	pcfs	pcfs	ADJ
easat-7042	62	13	’	'	PUNCT
easat-7042	62	14	cooperative	cooperative	ADJ
easat-7042	62	15	mission	mission	NOUN
easat-7042	62	16	to	to	PART
easat-7042	62	17	empower	empower	VERB
easat-7042	62	18	underserved	underserved	ADJ
easat-7042	62	19	communities	community	NOUN
easat-7042	62	20	and	and	CCONJ
easat-7042	62	21	foster	foster	ADJ
easat-7042	62	22	inclusive	inclusive	ADJ
easat-7042	62	23	financial	financial	ADJ
easat-7042	62	24	development	development	NOUN
easat-7042	62	25	.	.	PUNCT
easat-7042	63	1	achieving	achieve	VERB
easat-7042	63	2	a	a	DET
easat-7042	63	3	balance	balance	NOUN
easat-7042	63	4	between	between	ADP
easat-7042	63	5	profitability	profitability	NOUN
easat-7042	63	6	and	and	CCONJ
easat-7042	63	7	social	social	ADJ
easat-7042	63	8	outreach	outreach	NOUN
easat-7042	63	9	is	be	AUX
easat-7042	63	10	essential	essential	ADJ
easat-7042	63	11	for	for	SCONJ
easat-7042	63	12	pcfs	pcfs	NOUN
easat-7042	63	13	to	to	PART
easat-7042	63	14	remain	remain	VERB
easat-7042	63	15	financially	financially	ADV
easat-7042	63	16	robust	robust	ADJ
easat-7042	63	17	while	while	SCONJ
easat-7042	63	18	fulfilling	fulfil	VERB
easat-7042	63	19	their	their	PRON
easat-7042	63	20	mandate	mandate	NOUN
easat-7042	63	21	of	of	ADP
easat-7042	63	22	serving	serve	VERB
easat-7042	63	23	members	member	NOUN
easat-7042	63	24	’	'	PUNCT
easat-7042	63	25	livelihood	livelihood	NOUN
easat-7042	63	26	needs	need	VERB
easat-7042	63	27	[	[	X
easat-7042	63	28	1	1	NUM
easat-7042	63	29	]	]	PUNCT
easat-7042	63	30	.	.	PUNCT
easat-7042	64	1	third	third	ADJ
easat-7042	64	2	,	,	PUNCT
easat-7042	64	3	applying	apply	VERB
easat-7042	64	4	this	this	DET
easat-7042	64	5	framework	framework	NOUN
easat-7042	64	6	allows	allow	VERB
easat-7042	64	7	for	for	ADP
easat-7042	64	8	the	the	DET
easat-7042	64	9	identification	identification	NOUN
easat-7042	64	10	of	of	ADP
easat-7042	64	11	context	context	NOUN
easat-7042	64	12	-	-	PUNCT
easat-7042	64	13	specific	specific	ADJ
easat-7042	64	14	best	good	ADJ
easat-7042	64	15	practices	practice	NOUN
easat-7042	64	16	and	and	CCONJ
easat-7042	64	17	operational	operational	ADJ
easat-7042	64	18	strategies	strategy	NOUN
easat-7042	64	19	.	.	PUNCT
easat-7042	65	1	as	as	SCONJ
easat-7042	65	2	pcfs	pcfs	PROPN
easat-7042	65	3	face	face	AUX
easat-7042	65	4	evolving	evolve	VERB
easat-7042	65	5	regulatory	regulatory	ADJ
easat-7042	65	6	requirements	requirement	NOUN
easat-7042	65	7	and	and	CCONJ
easat-7042	65	8	increased	increase	VERB
easat-7042	65	9	competition	competition	NOUN
easat-7042	65	10	from	from	ADP
easat-7042	65	11	commercial	commercial	ADJ
easat-7042	65	12	lenders	lender	NOUN
easat-7042	65	13	,	,	PUNCT
easat-7042	65	14	a	a	DET
easat-7042	65	15	sustainability	sustainability	NOUN
easat-7042	65	16	-	-	PUNCT
easat-7042	65	17	focused	focus	VERB
easat-7042	65	18	approach	approach	NOUN
easat-7042	65	19	can	can	AUX
easat-7042	65	20	guide	guide	VERB
easat-7042	65	21	decision	decision	NOUN
easat-7042	65	22	-	-	PUNCT
easat-7042	65	23	making	making	NOUN
easat-7042	65	24	in	in	ADP
easat-7042	65	25	areas	area	NOUN
easat-7042	65	26	such	such	ADJ
easat-7042	65	27	as	as	ADP
easat-7042	65	28	pricing	pricing	NOUN
easat-7042	65	29	,	,	PUNCT
easat-7042	65	30	product	product	NOUN
easat-7042	65	31	design	design	NOUN
easat-7042	65	32	,	,	PUNCT
easat-7042	65	33	and	and	CCONJ
easat-7042	65	34	governance	governance	NOUN
easat-7042	65	35	reforms	reform	NOUN
easat-7042	65	36	,	,	PUNCT
easat-7042	65	37	which	which	PRON
easat-7042	65	38	enhance	enhance	VERB
easat-7042	65	39	both	both	DET
easat-7042	65	40	resilience	resilience	NOUN
easat-7042	65	41	and	and	CCONJ
easat-7042	65	42	member	member	NOUN
easat-7042	65	43	impact	impact	NOUN
easat-7042	65	44	[	[	X
easat-7042	65	45	13	13	NUM
easat-7042	65	46	]	]	PUNCT
easat-7042	65	47	.	.	PUNCT
easat-7042	66	1	finally	finally	ADV
easat-7042	66	2	,	,	PUNCT
easat-7042	66	3	employing	employ	VERB
easat-7042	66	4	a	a	DET
easat-7042	66	5	financial	financial	ADJ
easat-7042	66	6	sustainability	sustainability	NOUN
easat-7042	66	7	lens	lens	NOUN
easat-7042	66	8	contributes	contribute	VERB
easat-7042	66	9	to	to	ADP
easat-7042	66	10	the	the	DET
easat-7042	66	11	broader	broad	ADJ
easat-7042	66	12	community	community	NOUN
easat-7042	66	13	finance	finance	NOUN
easat-7042	66	14	literature	literature	NOUN
easat-7042	66	15	by	by	ADP
easat-7042	66	16	illustrating	illustrate	VERB
easat-7042	66	17	how	how	SCONJ
easat-7042	66	18	cooperative	cooperative	ADJ
easat-7042	66	19	institutions	institution	NOUN
easat-7042	66	20	can	can	AUX
easat-7042	66	21	serve	serve	VERB
easat-7042	66	22	as	as	ADP
easat-7042	66	23	pillars	pillar	NOUN
easat-7042	66	24	of	of	ADP
easat-7042	66	25	a	a	DET
easat-7042	66	26	resilient	resilient	ADJ
easat-7042	66	27	financial	financial	ADJ
easat-7042	66	28	ecosystem	ecosystem	NOUN
easat-7042	66	29	.	.	PUNCT
easat-7042	67	1	this	this	DET
easat-7042	67	2	perspective	perspective	NOUN
easat-7042	67	3	underscores	underscore	VERB
easat-7042	67	4	the	the	DET
easat-7042	67	5	potential	potential	NOUN
easat-7042	67	6	of	of	ADP
easat-7042	67	7	pcfs	pcfs	NOUN
easat-7042	67	8	to	to	PART
easat-7042	67	9	advance	advance	VERB
easat-7042	67	10	sustainable	sustainable	ADJ
easat-7042	67	11	development	development	NOUN
easat-7042	67	12	goals	goal	NOUN
easat-7042	67	13	such	such	ADJ
easat-7042	67	14	as	as	ADP
easat-7042	67	15	poverty	poverty	NOUN
easat-7042	67	16	reduction	reduction	NOUN
easat-7042	67	17	,	,	PUNCT
easat-7042	67	18	gender	gender	NOUN
easat-7042	67	19	equality	equality	NOUN
easat-7042	67	20	,	,	PUNCT
easat-7042	67	21	and	and	CCONJ
easat-7042	67	22	decent	decent	ADJ
easat-7042	67	23	work	work	NOUN
easat-7042	67	24	by	by	ADP
easat-7042	67	25	integrating	integrate	VERB
easat-7042	67	26	social	social	ADJ
easat-7042	67	27	objectives	objective	NOUN
easat-7042	67	28	with	with	ADP
easat-7042	67	29	financial	financial	ADJ
easat-7042	67	30	performance	performance	NOUN
easat-7042	67	31	targets	target	NOUN
easat-7042	67	32	[	[	X
easat-7042	67	33	12	12	NUM
easat-7042	67	34	]	]	PUNCT
easat-7042	67	35	.	.	PUNCT
easat-7042	68	1	2.2	2.2	NUM
easat-7042	68	2	.	.	PUNCT
easat-7042	68	3	hypothesis	hypothesis	NOUN
easat-7042	68	4	and	and	CCONJ
easat-7042	68	5	research	research	NOUN
easat-7042	68	6	model	model	NOUN
easat-7042	68	7	financial	financial	ADJ
easat-7042	68	8	sustainability	sustainability	NOUN
easat-7042	68	9	is	be	AUX
easat-7042	68	10	tightly	tightly	ADV
easat-7042	68	11	linked	link	VERB
easat-7042	68	12	to	to	ADP
easat-7042	68	13	all	all	DET
easat-7042	68	14	pcf	pcf	PROPN
easat-7042	68	15	activities	activity	NOUN
easat-7042	68	16	and	and	CCONJ
easat-7042	68	17	is	be	AUX
easat-7042	68	18	influenced	influence	VERB
easat-7042	68	19	by	by	ADP
easat-7042	68	20	multiple	multiple	ADJ
easat-7042	68	21	factors	factor	NOUN
easat-7042	68	22	,	,	PUNCT
easat-7042	68	23	as	as	SCONJ
easat-7042	68	24	outlined	outline	VERB
easat-7042	68	25	below	below	ADV
easat-7042	68	26	:	:	PUNCT
easat-7042	69	1	2.2.1	2.2.1	NUM
easat-7042	69	2	.	.	PUNCT
easat-7042	69	3	organizational	organizational	ADJ
easat-7042	69	4	capacity	capacity	NOUN
easat-7042	69	5	organizational	organizational	ADJ
easat-7042	69	6	capacity	capacity	NOUN
easat-7042	69	7	is	be	AUX
easat-7042	69	8	a	a	DET
easat-7042	69	9	crucial	crucial	ADJ
easat-7042	69	10	determinant	determinant	NOUN
easat-7042	69	11	of	of	ADP
easat-7042	69	12	the	the	DET
easat-7042	69	13	success	success	NOUN
easat-7042	69	14	and	and	CCONJ
easat-7042	69	15	sustainability	sustainability	NOUN
easat-7042	69	16	of	of	ADP
easat-7042	69	17	pcfs	pcfs	PROPN
easat-7042	69	18	.	.	PUNCT
easat-7042	70	1	a	a	DET
easat-7042	70	2	wellcapacitated	wellcapacitate	VERB
easat-7042	70	3	pcf	pcf	PROPN
easat-7042	70	4	can	can	AUX
easat-7042	70	5	effectively	effectively	ADV
easat-7042	70	6	manage	manage	VERB
easat-7042	70	7	risks	risk	NOUN
easat-7042	70	8	,	,	PUNCT
easat-7042	70	9	improve	improve	VERB
easat-7042	70	10	operational	operational	ADJ
easat-7042	70	11	efficiency	efficiency	NOUN
easat-7042	70	12	,	,	PUNCT
easat-7042	70	13	expand	expand	VERB
easat-7042	70	14	market	market	NOUN
easat-7042	70	15	reach	reach	NOUN
easat-7042	70	16	,	,	PUNCT
easat-7042	70	17	build	build	VERB
easat-7042	70	18	a	a	DET
easat-7042	70	19	strong	strong	ADJ
easat-7042	70	20	reputation	reputation	NOUN
easat-7042	70	21	,	,	PUNCT
easat-7042	70	22	and	and	CCONJ
easat-7042	70	23	adapt	adapt	VERB
easat-7042	70	24	to	to	ADP
easat-7042	70	25	changes	change	NOUN
easat-7042	70	26	in	in	ADP
easat-7042	70	27	the	the	DET
easat-7042	70	28	business	business	NOUN
easat-7042	70	29	environment	environment	NOUN
easat-7042	71	1	[	[	X
easat-7042	71	2	14	14	NUM
easat-7042	71	3	]	]	PUNCT
easat-7042	71	4	.	.	PUNCT
easat-7042	72	1	to	to	PART
easat-7042	72	2	achieve	achieve	VERB
easat-7042	72	3	these	these	DET
easat-7042	72	4	objectives	objective	NOUN
easat-7042	72	5	,	,	PUNCT
easat-7042	72	6	pcfs	pcfs	PROPN
easat-7042	72	7	should	should	AUX
easat-7042	72	8	invest	invest	VERB
easat-7042	72	9	in	in	ADP
easat-7042	72	10	human	human	ADJ
easat-7042	72	11	resource	resource	NOUN
easat-7042	72	12	development	development	NOUN
easat-7042	72	13	,	,	PUNCT
easat-7042	72	14	implement	implement	VERB
easat-7042	72	15	modern	modern	ADJ
easat-7042	72	16	risk	risk	NOUN
easat-7042	72	17	management	management	NOUN
easat-7042	72	18	systems	system	NOUN
easat-7042	72	19	,	,	PUNCT
easat-7042	72	20	leverage	leverage	NOUN
easat-7042	72	21	information	information	NOUN
easat-7042	72	22	technology	technology	NOUN
easat-7042	72	23	,	,	PUNCT
easat-7042	72	24	and	and	CCONJ
easat-7042	72	25	collaborate	collaborate	VERB
easat-7042	72	26	with	with	ADP
easat-7042	72	27	other	other	ADJ
easat-7042	72	28	organizations	organization	NOUN
easat-7042	72	29	.	.	PUNCT
easat-7042	73	1	as	as	ADP
easat-7042	73	2	a	a	DET
easat-7042	73	3	result	result	NOUN
easat-7042	73	4	,	,	PUNCT
easat-7042	73	5	pcfs	pcfs	PROPN
easat-7042	73	6	will	will	AUX
easat-7042	73	7	not	not	PART
easat-7042	73	8	only	only	ADV
easat-7042	73	9	ensure	ensure	VERB
easat-7042	73	10	sustainable	sustainable	ADJ
easat-7042	73	11	profitability	profitability	NOUN
easat-7042	73	12	but	but	CCONJ
easat-7042	73	13	also	also	ADV
easat-7042	73	14	make	make	VERB
easat-7042	73	15	a	a	DET
easat-7042	73	16	significant	significant	ADJ
easat-7042	73	17	contribution	contribution	NOUN
easat-7042	73	18	to	to	ADP
easat-7042	73	19	local	local	ADJ
easat-7042	73	20	and	and	CCONJ
easat-7042	73	21	national	national	ADJ
easat-7042	73	22	socio	socio	NOUN
easat-7042	73	23	-	-	PUNCT
easat-7042	73	24	economic	economic	ADJ
easat-7042	73	25	development	development	NOUN
easat-7042	73	26	.	.	PUNCT
easat-7042	74	1	hartarska	hartarska	PROPN
easat-7042	75	1	[	[	X
easat-7042	75	2	7	7	X
easat-7042	75	3	]	]	PUNCT
easat-7042	75	4	found	find	VERB
easat-7042	75	5	that	that	SCONJ
easat-7042	75	6	governance	governance	NOUN
easat-7042	75	7	and	and	CCONJ
easat-7042	75	8	management	management	NOUN
easat-7042	75	9	significantly	significantly	ADV
easat-7042	75	10	impact	impact	VERB
easat-7042	75	11	the	the	DET
easat-7042	75	12	financial	financial	ADJ
easat-7042	75	13	performance	performance	NOUN
easat-7042	75	14	of	of	ADP
easat-7042	75	15	microcredit	microcredit	NOUN
easat-7042	75	16	institutions	institution	NOUN
easat-7042	75	17	,	,	PUNCT
easat-7042	75	18	with	with	ADP
easat-7042	75	19	effective	effective	ADJ
easat-7042	75	20	governance	governance	NOUN
easat-7042	75	21	reducing	reduce	VERB
easat-7042	75	22	risks	risk	NOUN
easat-7042	75	23	and	and	CCONJ
easat-7042	75	24	improving	improve	VERB
easat-7042	75	25	sustainability	sustainability	NOUN
easat-7042	75	26	.	.	PUNCT
easat-7042	76	1	rahman	rahman	PROPN
easat-7042	77	1	[	[	X
easat-7042	77	2	15	15	NUM
easat-7042	77	3	]	]	PUNCT
easat-7042	77	4	also	also	ADV
easat-7042	77	5	highlighted	highlight	VERB
easat-7042	77	6	that	that	SCONJ
easat-7042	77	7	sound	sound	ADJ
easat-7042	77	8	management	management	NOUN
easat-7042	77	9	practices	practice	NOUN
easat-7042	77	10	help	help	VERB
easat-7042	77	11	maintain	maintain	VERB
easat-7042	77	12	liquidity	liquidity	NOUN
easat-7042	77	13	and	and	CCONJ
easat-7042	77	14	attract	attract	VERB
easat-7042	77	15	investment	investment	NOUN
easat-7042	77	16	,	,	PUNCT
easat-7042	77	17	which	which	PRON
easat-7042	77	18	creates	create	VERB
easat-7042	77	19	a	a	DET
easat-7042	77	20	positive	positive	ADJ
easat-7042	77	21	cycle	cycle	NOUN
easat-7042	77	22	between	between	ADP
easat-7042	77	23	capital	capital	NOUN
easat-7042	77	24	mobilization	mobilization	NOUN
easat-7042	77	25	and	and	CCONJ
easat-7042	77	26	credit	credit	NOUN
easat-7042	77	27	supply	supply	NOUN
easat-7042	77	28	.	.	PUNCT
easat-7042	78	1	while	while	SCONJ
easat-7042	78	2	organizational	organizational	ADJ
easat-7042	78	3	capacity	capacity	NOUN
easat-7042	78	4	is	be	AUX
easat-7042	78	5	vital	vital	ADJ
easat-7042	78	6	,	,	PUNCT
easat-7042	78	7	an	an	DET
easat-7042	78	8	overemphasis	overemphasis	NOUN
easat-7042	78	9	on	on	ADP
easat-7042	78	10	capacitybuilding	capacitybuilde	VERB
easat-7042	78	11	can	can	AUX
easat-7042	78	12	divert	divert	VERB
easat-7042	78	13	resources	resource	NOUN
easat-7042	78	14	from	from	ADP
easat-7042	78	15	core	core	NOUN
easat-7042	78	16	operations	operation	NOUN
easat-7042	78	17	[	[	X
easat-7042	78	18	2	2	NUM
easat-7042	78	19	]	]	PUNCT
easat-7042	78	20	.	.	PUNCT
easat-7042	79	1	pcfs	pcfs	PROPN
easat-7042	79	2	must	must	AUX
easat-7042	79	3	balance	balance	VERB
easat-7042	79	4	capacity	capacity	NOUN
easat-7042	79	5	-	-	PUNCT
easat-7042	79	6	building	building	NOUN
easat-7042	79	7	efforts	effort	NOUN
easat-7042	79	8	with	with	ADP
easat-7042	79	9	core	core	ADJ
easat-7042	79	10	operations	operation	NOUN
easat-7042	79	11	,	,	PUNCT
easat-7042	79	12	ensuring	ensure	VERB
easat-7042	79	13	efficient	efficient	ADJ
easat-7042	79	14	resource	resource	NOUN
easat-7042	79	15	allocation	allocation	NOUN
easat-7042	79	16	.	.	PUNCT
easat-7042	80	1	strategic	strategic	ADJ
easat-7042	80	2	capacity	capacity	NOUN
easat-7042	80	3	building	building	NOUN
easat-7042	80	4	,	,	PUNCT
easat-7042	80	5	effective	effective	ADJ
easat-7042	80	6	resource	resource	NOUN
easat-7042	80	7	allocation	allocation	NOUN
easat-7042	80	8	,	,	PUNCT
easat-7042	80	9	workforce	workforce	NOUN
easat-7042	80	10	development	development	NOUN
easat-7042	80	11	,	,	PUNCT
easat-7042	80	12	and	and	CCONJ
easat-7042	80	13	strong	strong	ADJ
easat-7042	80	14	governance	governance	NOUN
easat-7042	80	15	can	can	AUX
easat-7042	80	16	enhance	enhance	VERB
easat-7042	80	17	operational	operational	ADJ
easat-7042	80	18	efficiency	efficiency	NOUN
easat-7042	80	19	,	,	PUNCT
easat-7042	80	20	reduce	reduce	VERB
easat-7042	80	21	costs	cost	NOUN
easat-7042	80	22	,	,	PUNCT
easat-7042	80	23	and	and	CCONJ
easat-7042	80	24	improve	improve	VERB
easat-7042	80	25	financial	financial	ADJ
easat-7042	80	26	outcomes	outcome	NOUN
easat-7042	80	27	[	[	X
easat-7042	80	28	16	16	NUM
easat-7042	80	29	]	]	PUNCT
easat-7042	80	30	.	.	PUNCT
easat-7042	81	1	h1	h1	PROPN
easat-7042	81	2	:	:	PUNCT
easat-7042	81	3	organizational	organizational	ADJ
easat-7042	81	4	capacity	capacity	NOUN
easat-7042	81	5	has	have	VERB
easat-7042	81	6	a	a	DET
easat-7042	81	7	positive	positive	ADJ
easat-7042	81	8	impact	impact	NOUN
easat-7042	81	9	on	on	ADP
easat-7042	81	10	the	the	DET
easat-7042	81	11	financial	financial	ADJ
easat-7042	81	12	sustainability	sustainability	NOUN
easat-7042	81	13	of	of	ADP
easat-7042	81	14	pcfs	pcfs	PROPN
easat-7042	81	15	.	.	PUNCT
easat-7042	82	1	933	933	NUM
easat-7042	82	2	edelweiss	edelweiss	PROPN
easat-7042	82	3	applied	apply	VERB
easat-7042	82	4	science	science	NOUN
easat-7042	82	5	and	and	CCONJ
easat-7042	82	6	technology	technology	NOUN
easat-7042	82	7	issn	issn	PROPN
easat-7042	82	8	:	:	PUNCT
easat-7042	82	9	2576	2576	NUM
easat-7042	82	10	-	-	SYM
easat-7042	82	11	8484	8484	NUM
easat-7042	82	12	vol	vol	NOUN
easat-7042	82	13	.	.	PROPN
easat-7042	83	1	9	9	NUM
easat-7042	83	2	,	,	PUNCT
easat-7042	83	3	no	no	INTJ
easat-7042	83	4	.	.	NOUN
easat-7042	83	5	5	5	NUM
easat-7042	83	6	:	:	SYM
easat-7042	83	7	930	930	NUM
easat-7042	83	8	-	-	SYM
easat-7042	83	9	946	946	NUM
easat-7042	83	10	,	,	PUNCT
easat-7042	83	11	2025	2025	NUM
easat-7042	83	12	doi	doi	NOUN
easat-7042	83	13	:	:	PUNCT
easat-7042	83	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	83	15	©	©	PROPN
easat-7042	83	16	2025	2025	NUM
easat-7042	83	17	by	by	ADP
easat-7042	83	18	the	the	DET
easat-7042	83	19	authors	author	NOUN
easat-7042	83	20	;	;	PUNCT
easat-7042	84	1	licensee	licensee	PROPN
easat-7042	84	2	learning	learn	VERB
easat-7042	84	3	gate	gate	PROPN
easat-7042	84	4	2.2.2	2.2.2	NUM
easat-7042	84	5	.	.	PUNCT
easat-7042	85	1	productivity	productivity	NOUN
easat-7042	85	2	productivity	productivity	NOUN
easat-7042	85	3	is	be	AUX
easat-7042	85	4	closely	closely	ADV
easat-7042	85	5	linked	link	VERB
easat-7042	85	6	to	to	ADP
easat-7042	85	7	the	the	DET
easat-7042	85	8	financial	financial	ADJ
easat-7042	85	9	sustainability	sustainability	NOUN
easat-7042	85	10	of	of	ADP
easat-7042	85	11	pcfs	pcfs	PROPN
easat-7042	85	12	.	.	PUNCT
easat-7042	86	1	a	a	DET
easat-7042	86	2	productive	productive	ADJ
easat-7042	86	3	pcf	pcf	PROPN
easat-7042	86	4	,	,	PUNCT
easat-7042	86	5	characterized	characterize	VERB
easat-7042	86	6	by	by	ADP
easat-7042	86	7	efficient	efficient	ADJ
easat-7042	86	8	operations	operation	NOUN
easat-7042	86	9	,	,	PUNCT
easat-7042	86	10	optimal	optimal	ADJ
easat-7042	86	11	resource	resource	NOUN
easat-7042	86	12	utilization	utilization	NOUN
easat-7042	86	13	,	,	PUNCT
easat-7042	86	14	and	and	CCONJ
easat-7042	86	15	skilled	skilled	ADJ
easat-7042	86	16	staff	staff	NOUN
easat-7042	86	17	,	,	PUNCT
easat-7042	86	18	can	can	AUX
easat-7042	86	19	significantly	significantly	ADV
easat-7042	86	20	boost	boost	VERB
easat-7042	86	21	its	its	PRON
easat-7042	86	22	financial	financial	ADJ
easat-7042	86	23	performance	performance	NOUN
easat-7042	86	24	[	[	X
easat-7042	86	25	17	17	NUM
easat-7042	86	26	]	]	PUNCT
easat-7042	86	27	.	.	PUNCT
easat-7042	87	1	enhanced	enhance	VERB
easat-7042	87	2	productivity	productivity	NOUN
easat-7042	87	3	leads	lead	VERB
easat-7042	87	4	to	to	ADP
easat-7042	87	5	reduced	reduced	ADJ
easat-7042	87	6	operational	operational	ADJ
easat-7042	87	7	costs	cost	NOUN
easat-7042	87	8	,	,	PUNCT
easat-7042	87	9	increased	increase	VERB
easat-7042	87	10	loan	loan	NOUN
easat-7042	87	11	disbursement	disbursement	NOUN
easat-7042	87	12	,	,	PUNCT
easat-7042	87	13	and	and	CCONJ
easat-7042	87	14	improved	improve	VERB
easat-7042	87	15	financial	financial	ADJ
easat-7042	87	16	sustainability	sustainability	NOUN
easat-7042	87	17	.	.	PUNCT
easat-7042	88	1	by	by	ADP
easat-7042	88	2	focusing	focus	VERB
easat-7042	88	3	on	on	ADP
easat-7042	88	4	productivity	productivity	NOUN
easat-7042	88	5	,	,	PUNCT
easat-7042	88	6	pcfs	pcfs	PROPN
easat-7042	88	7	can	can	AUX
easat-7042	88	8	strengthen	strengthen	VERB
easat-7042	88	9	their	their	PRON
easat-7042	88	10	financial	financial	ADJ
easat-7042	88	11	position	position	NOUN
easat-7042	88	12	,	,	PUNCT
easat-7042	88	13	expand	expand	VERB
easat-7042	88	14	services	service	NOUN
easat-7042	88	15	,	,	PUNCT
easat-7042	88	16	and	and	CCONJ
easat-7042	88	17	contribute	contribute	VERB
easat-7042	88	18	to	to	ADP
easat-7042	88	19	community	community	NOUN
easat-7042	88	20	economic	economic	ADJ
easat-7042	88	21	development	development	NOUN
easat-7042	88	22	.	.	PUNCT
easat-7042	89	1	adhikary	adhikary	NOUN
easat-7042	89	2	and	and	CCONJ
easat-7042	89	3	papachristou	papachristou	PROPN
easat-7042	89	4	[	[	X
easat-7042	89	5	18	18	NUM
easat-7042	89	6	]	]	PUNCT
easat-7042	89	7	showed	show	VERB
easat-7042	89	8	a	a	DET
easat-7042	89	9	positive	positive	ADJ
easat-7042	89	10	relationship	relationship	NOUN
easat-7042	89	11	between	between	ADP
easat-7042	89	12	microfinance	microfinance	NOUN
easat-7042	89	13	institutions	institution	NOUN
easat-7042	89	14	'	'	PART
easat-7042	89	15	financial	financial	ADJ
easat-7042	89	16	sustainability	sustainability	NOUN
easat-7042	89	17	and	and	CCONJ
easat-7042	89	18	productivity	productivity	NOUN
easat-7042	89	19	.	.	PUNCT
easat-7042	90	1	on	on	ADP
easat-7042	90	2	the	the	DET
easat-7042	90	3	other	other	ADJ
easat-7042	90	4	hand	hand	NOUN
easat-7042	90	5	,	,	PUNCT
easat-7042	90	6	abrar	abrar	PROPN
easat-7042	90	7	and	and	CCONJ
easat-7042	90	8	javid	javid	PROPN
easat-7042	90	9	[	[	X
easat-7042	90	10	19	19	NUM
easat-7042	90	11	]	]	PUNCT
easat-7042	90	12	noted	note	VERB
easat-7042	90	13	that	that	SCONJ
easat-7042	90	14	poor	poor	ADJ
easat-7042	90	15	financial	financial	ADJ
easat-7042	90	16	performance	performance	NOUN
easat-7042	90	17	and	and	CCONJ
easat-7042	90	18	low	low	ADJ
easat-7042	90	19	productivity	productivity	NOUN
easat-7042	90	20	signal	signal	VERB
easat-7042	90	21	a	a	DET
easat-7042	90	22	lack	lack	NOUN
easat-7042	90	23	of	of	ADP
easat-7042	90	24	sustainability	sustainability	NOUN
easat-7042	90	25	,	,	PUNCT
easat-7042	90	26	while	while	SCONJ
easat-7042	90	27	wassie	wassie	PROPN
easat-7042	90	28	,	,	PUNCT
easat-7042	90	29	et	et	PROPN
easat-7042	90	30	al	al	PROPN
easat-7042	90	31	.	.	PUNCT
easat-7042	91	1	[	[	X
easat-7042	91	2	20	20	NUM
easat-7042	91	3	]	]	PUNCT
easat-7042	91	4	emphasized	emphasize	VERB
easat-7042	91	5	that	that	SCONJ
easat-7042	91	6	personnel	personnel	NOUN
easat-7042	91	7	productivity	productivity	NOUN
easat-7042	91	8	positively	positively	ADV
easat-7042	91	9	impacts	impact	VERB
easat-7042	91	10	the	the	DET
easat-7042	91	11	financial	financial	ADJ
easat-7042	91	12	performance	performance	NOUN
easat-7042	91	13	,	,	PUNCT
easat-7042	91	14	including	include	VERB
easat-7042	91	15	financial	financial	ADJ
easat-7042	91	16	self	self	NOUN
easat-7042	91	17	-	-	PUNCT
easat-7042	91	18	sufficiency	sufficiency	NOUN
easat-7042	91	19	,	,	PUNCT
easat-7042	91	20	of	of	ADP
easat-7042	91	21	microfinance	microfinance	NOUN
easat-7042	91	22	institutions	institution	NOUN
easat-7042	91	23	.	.	PUNCT
easat-7042	92	1	for	for	ADP
easat-7042	92	2	long	long	ADJ
easat-7042	92	3	-	-	PUNCT
easat-7042	92	4	term	term	NOUN
easat-7042	92	5	sustainability	sustainability	NOUN
easat-7042	92	6	,	,	PUNCT
easat-7042	92	7	pcfs	pcfs	PROPN
easat-7042	92	8	must	must	AUX
easat-7042	92	9	prioritize	prioritize	VERB
easat-7042	92	10	continuous	continuous	ADJ
easat-7042	92	11	improvement	improvement	NOUN
easat-7042	92	12	,	,	PUNCT
easat-7042	92	13	robust	robust	ADJ
easat-7042	92	14	risk	risk	NOUN
easat-7042	92	15	management	management	NOUN
easat-7042	92	16	,	,	PUNCT
easat-7042	92	17	financial	financial	ADJ
easat-7042	92	18	discipline	discipline	NOUN
easat-7042	92	19	,	,	PUNCT
easat-7042	92	20	member	member	NOUN
easat-7042	92	21	engagement	engagement	NOUN
easat-7042	92	22	,	,	PUNCT
easat-7042	92	23	and	and	CCONJ
easat-7042	92	24	adaptability	adaptability	NOUN
easat-7042	92	25	.	.	PUNCT
easat-7042	93	1	h2	h2	NOUN
easat-7042	93	2	:	:	PUNCT
easat-7042	94	1	productivity	productivity	NOUN
easat-7042	94	2	has	have	VERB
easat-7042	94	3	a	a	DET
easat-7042	94	4	positive	positive	ADJ
easat-7042	94	5	impact	impact	NOUN
easat-7042	94	6	on	on	ADP
easat-7042	94	7	the	the	DET
easat-7042	94	8	financial	financial	ADJ
easat-7042	94	9	sustainability	sustainability	NOUN
easat-7042	94	10	of	of	ADP
easat-7042	94	11	pcfs	pcfs	NOUN
easat-7042	94	12	.	.	PUNCT
easat-7042	95	1	2.2.3	2.2.3	NUM
easat-7042	95	2	.	.	PUNCT
easat-7042	95	3	loan	loan	NOUN
easat-7042	95	4	portfolio	portfolio	NOUN
easat-7042	95	5	management	management	PROPN
easat-7042	95	6	loan	loan	NOUN
easat-7042	95	7	portfolio	portfolio	NOUN
easat-7042	95	8	management	management	NOUN
easat-7042	95	9	involves	involve	VERB
easat-7042	95	10	strategically	strategically	ADV
easat-7042	95	11	managing	manage	VERB
easat-7042	95	12	and	and	CCONJ
easat-7042	95	13	monitoring	monitor	VERB
easat-7042	95	14	a	a	DET
easat-7042	95	15	portfolio	portfolio	NOUN
easat-7042	95	16	of	of	ADP
easat-7042	95	17	loans	loan	NOUN
easat-7042	95	18	to	to	PART
easat-7042	95	19	optimize	optimize	VERB
easat-7042	95	20	returns	return	NOUN
easat-7042	95	21	and	and	CCONJ
easat-7042	95	22	minimize	minimize	VERB
easat-7042	95	23	risks	risk	NOUN
easat-7042	95	24	[	[	X
easat-7042	95	25	21	21	NUM
easat-7042	95	26	]	]	PUNCT
easat-7042	95	27	.	.	PUNCT
easat-7042	96	1	effective	effective	ADJ
easat-7042	96	2	loan	loan	NOUN
easat-7042	96	3	portfolio	portfolio	NOUN
easat-7042	96	4	management	management	NOUN
easat-7042	96	5	helps	help	VERB
easat-7042	96	6	financial	financial	ADJ
easat-7042	96	7	institutions	institution	NOUN
easat-7042	96	8	maintain	maintain	VERB
easat-7042	96	9	stability	stability	NOUN
easat-7042	96	10	,	,	PUNCT
easat-7042	96	11	enhance	enhance	VERB
easat-7042	96	12	customer	customer	NOUN
easat-7042	96	13	satisfaction	satisfaction	NOUN
easat-7042	96	14	,	,	PUNCT
easat-7042	96	15	and	and	CCONJ
easat-7042	96	16	promote	promote	VERB
easat-7042	96	17	sustainable	sustainable	ADJ
easat-7042	96	18	growth	growth	NOUN
easat-7042	96	19	[	[	X
easat-7042	96	20	22	22	NUM
easat-7042	96	21	]	]	PUNCT
easat-7042	96	22	.	.	PUNCT
easat-7042	97	1	for	for	ADP
easat-7042	97	2	pcfs	pcfs	PROPN
easat-7042	97	3	,	,	PUNCT
easat-7042	97	4	managing	manage	VERB
easat-7042	97	5	loan	loan	NOUN
easat-7042	97	6	portfolios	portfolio	NOUN
easat-7042	97	7	effectively	effectively	ADV
easat-7042	97	8	reduces	reduce	VERB
easat-7042	97	9	credit	credit	NOUN
easat-7042	97	10	risks	risk	NOUN
easat-7042	97	11	,	,	PUNCT
easat-7042	97	12	improves	improve	VERB
easat-7042	97	13	asset	asset	NOUN
easat-7042	97	14	quality	quality	NOUN
easat-7042	97	15	,	,	PUNCT
easat-7042	97	16	and	and	CCONJ
easat-7042	97	17	contributes	contribute	VERB
easat-7042	97	18	to	to	ADP
easat-7042	97	19	financial	financial	ADJ
easat-7042	97	20	stability	stability	NOUN
easat-7042	97	21	.	.	PUNCT
easat-7042	98	1	according	accord	VERB
easat-7042	98	2	to	to	ADP
easat-7042	98	3	ha	ha	INTJ
easat-7042	98	4	[	[	X
easat-7042	98	5	8	8	NUM
easat-7042	98	6	]	]	PUNCT
easat-7042	98	7	the	the	DET
easat-7042	98	8	financial	financial	ADJ
easat-7042	98	9	sustainability	sustainability	NOUN
easat-7042	98	10	of	of	ADP
easat-7042	98	11	microfinance	microfinance	NOUN
easat-7042	98	12	institutions	institution	NOUN
easat-7042	98	13	is	be	AUX
easat-7042	98	14	positively	positively	ADV
easat-7042	98	15	affected	affect	VERB
easat-7042	98	16	by	by	ADP
easat-7042	98	17	loan	loan	NOUN
easat-7042	98	18	intensity	intensity	NOUN
easat-7042	98	19	and	and	CCONJ
easat-7042	98	20	scale	scale	NOUN
easat-7042	98	21	.	.	PUNCT
easat-7042	99	1	however	however	ADV
easat-7042	99	2	,	,	PUNCT
easat-7042	99	3	poor	poor	ADJ
easat-7042	99	4	loan	loan	NOUN
easat-7042	99	5	portfolio	portfolio	NOUN
easat-7042	99	6	management	management	NOUN
easat-7042	99	7	can	can	AUX
easat-7042	99	8	lead	lead	VERB
easat-7042	99	9	to	to	ADP
easat-7042	99	10	financial	financial	ADJ
easat-7042	99	11	losses	loss	NOUN
easat-7042	99	12	,	,	PUNCT
easat-7042	99	13	harm	harm	VERB
easat-7042	99	14	a	a	DET
easat-7042	99	15	pcf	pcf	PROPN
easat-7042	99	16	’s	’s	PART
easat-7042	99	17	reputation	reputation	NOUN
easat-7042	99	18	,	,	PUNCT
easat-7042	99	19	and	and	CCONJ
easat-7042	99	20	jeopardize	jeopardize	VERB
easat-7042	99	21	sustainability	sustainability	NOUN
easat-7042	99	22	.	.	PUNCT
easat-7042	100	1	effective	effective	ADJ
easat-7042	100	2	loan	loan	NOUN
easat-7042	100	3	management	management	NOUN
easat-7042	100	4	is	be	AUX
easat-7042	100	5	essential	essential	ADJ
easat-7042	100	6	for	for	ADP
easat-7042	100	7	reducing	reduce	VERB
easat-7042	100	8	non	non	ADJ
easat-7042	100	9	-	-	ADJ
easat-7042	100	10	performing	performing	ADJ
easat-7042	100	11	loans	loan	NOUN
easat-7042	100	12	and	and	CCONJ
easat-7042	100	13	preserving	preserve	VERB
easat-7042	100	14	the	the	DET
easat-7042	100	15	capital	capital	NOUN
easat-7042	100	16	base	base	NOUN
easat-7042	100	17	.	.	PUNCT
easat-7042	101	1	h3	h3	NOUN
easat-7042	101	2	:	:	PUNCT
easat-7042	101	3	loan	loan	NOUN
easat-7042	101	4	portfolio	portfolio	NOUN
easat-7042	101	5	management	management	NOUN
easat-7042	101	6	has	have	VERB
easat-7042	101	7	a	a	DET
easat-7042	101	8	positive	positive	ADJ
easat-7042	101	9	impact	impact	NOUN
easat-7042	101	10	on	on	ADP
easat-7042	101	11	the	the	DET
easat-7042	101	12	financial	financial	ADJ
easat-7042	101	13	sustainability	sustainability	NOUN
easat-7042	101	14	of	of	ADP
easat-7042	101	15	pcfs	pcfs	NOUN
easat-7042	101	16	.	.	PUNCT
easat-7042	102	1	2.2.4	2.2.4	NUM
easat-7042	102	2	.	.	X
easat-7042	102	3	governance	governance	NOUN
easat-7042	102	4	quality	quality	NOUN
easat-7042	102	5	good	good	ADJ
easat-7042	102	6	governance	governance	NOUN
easat-7042	102	7	plays	play	VERB
easat-7042	102	8	a	a	DET
easat-7042	102	9	vital	vital	ADJ
easat-7042	102	10	role	role	NOUN
easat-7042	102	11	in	in	ADP
easat-7042	102	12	ensuring	ensure	VERB
easat-7042	102	13	the	the	DET
easat-7042	102	14	financial	financial	ADJ
easat-7042	102	15	sustainability	sustainability	NOUN
easat-7042	102	16	of	of	ADP
easat-7042	102	17	pcfs	pcfs	PROPN
easat-7042	102	18	.	.	PUNCT
easat-7042	103	1	most	most	ADJ
easat-7042	103	2	pcfs	pcfs	PROPN
easat-7042	103	3	have	have	AUX
easat-7042	103	4	established	establish	VERB
easat-7042	103	5	mechanisms	mechanism	NOUN
easat-7042	103	6	,	,	PUNCT
easat-7042	103	7	policies	policy	NOUN
easat-7042	103	8	,	,	PUNCT
easat-7042	103	9	and	and	CCONJ
easat-7042	103	10	internal	internal	ADJ
easat-7042	103	11	regulations	regulation	NOUN
easat-7042	103	12	that	that	PRON
easat-7042	103	13	guide	guide	VERB
easat-7042	103	14	governance	governance	NOUN
easat-7042	103	15	,	,	PUNCT
easat-7042	103	16	management	management	NOUN
easat-7042	103	17	,	,	PUNCT
easat-7042	103	18	operational	operational	ADJ
easat-7042	103	19	activities	activity	NOUN
easat-7042	103	20	,	,	PUNCT
easat-7042	103	21	and	and	CCONJ
easat-7042	103	22	risk	risk	NOUN
easat-7042	103	23	control	control	NOUN
easat-7042	103	24	[	[	X
easat-7042	103	25	23	23	NUM
easat-7042	103	26	]	]	PUNCT
easat-7042	103	27	.	.	PUNCT
easat-7042	104	1	effective	effective	ADJ
easat-7042	104	2	governance	governance	NOUN
easat-7042	104	3	minimizes	minimize	VERB
easat-7042	104	4	risks	risk	NOUN
easat-7042	104	5	,	,	PUNCT
easat-7042	104	6	optimizes	optimize	VERB
easat-7042	104	7	resources	resource	NOUN
easat-7042	104	8	,	,	PUNCT
easat-7042	104	9	enhances	enhance	VERB
easat-7042	104	10	competitiveness	competitiveness	NOUN
easat-7042	104	11	,	,	PUNCT
easat-7042	104	12	and	and	CCONJ
easat-7042	104	13	builds	build	VERB
easat-7042	104	14	customer	customer	NOUN
easat-7042	104	15	trust	trust	NOUN
easat-7042	105	1	[	[	X
easat-7042	105	2	2	2	NUM
easat-7042	105	3	]	]	PUNCT
easat-7042	105	4	.	.	PUNCT
easat-7042	106	1	conversely	conversely	ADV
easat-7042	106	2	,	,	PUNCT
easat-7042	106	3	poor	poor	ADJ
easat-7042	106	4	governance	governance	NOUN
easat-7042	106	5	can	can	AUX
easat-7042	106	6	lead	lead	VERB
easat-7042	106	7	to	to	ADP
easat-7042	106	8	corruption	corruption	NOUN
easat-7042	106	9	,	,	PUNCT
easat-7042	106	10	waste	waste	NOUN
easat-7042	106	11	,	,	PUNCT
easat-7042	106	12	and	and	CCONJ
easat-7042	106	13	loss	loss	NOUN
easat-7042	106	14	of	of	ADP
easat-7042	106	15	trust	trust	NOUN
easat-7042	106	16	,	,	PUNCT
easat-7042	106	17	ultimately	ultimately	ADV
easat-7042	106	18	jeopardizing	jeopardize	VERB
easat-7042	106	19	the	the	DET
easat-7042	106	20	organization	organization	NOUN
easat-7042	106	21	's	's	PART
easat-7042	106	22	survival	survival	NOUN
easat-7042	106	23	.	.	PUNCT
easat-7042	107	1	effective	effective	ADJ
easat-7042	107	2	governance	governance	NOUN
easat-7042	107	3	not	not	PART
easat-7042	107	4	only	only	ADV
easat-7042	107	5	improves	improve	VERB
easat-7042	107	6	day	day	NOUN
easat-7042	107	7	-	-	PUNCT
easat-7042	107	8	to	to	ADP
easat-7042	107	9	-	-	PUNCT
easat-7042	107	10	day	day	NOUN
easat-7042	107	11	financial	financial	ADJ
easat-7042	107	12	operations	operation	NOUN
easat-7042	107	13	but	but	CCONJ
easat-7042	107	14	also	also	ADV
easat-7042	107	15	ensures	ensure	VERB
easat-7042	107	16	the	the	DET
easat-7042	107	17	generation	generation	NOUN
easat-7042	107	18	of	of	ADP
easat-7042	107	19	sufficient	sufficient	ADJ
easat-7042	107	20	income	income	NOUN
easat-7042	107	21	to	to	PART
easat-7042	107	22	cover	cover	VERB
easat-7042	107	23	costs	cost	NOUN
easat-7042	107	24	and	and	CCONJ
easat-7042	107	25	achieve	achieve	VERB
easat-7042	107	26	profitability	profitability	NOUN
easat-7042	107	27	.	.	PUNCT
easat-7042	108	1	as	as	ADP
easat-7042	108	2	hartarska	hartarska	ADV
easat-7042	108	3	[	[	X
easat-7042	108	4	7	7	NUM
easat-7042	108	5	]	]	PUNCT
easat-7042	108	6	indicated	indicate	VERB
easat-7042	108	7	,	,	PUNCT
easat-7042	108	8	governance	governance	NOUN
easat-7042	108	9	quality	quality	NOUN
easat-7042	108	10	positively	positively	ADV
easat-7042	108	11	impacts	impact	VERB
easat-7042	108	12	financial	financial	ADJ
easat-7042	108	13	sustainability	sustainability	NOUN
easat-7042	108	14	by	by	ADP
easat-7042	108	15	minimizing	minimize	VERB
easat-7042	108	16	risks	risk	NOUN
easat-7042	108	17	and	and	CCONJ
easat-7042	108	18	improving	improve	VERB
easat-7042	108	19	performance	performance	NOUN
easat-7042	108	20	.	.	PUNCT
easat-7042	109	1	h4	h4	NOUN
easat-7042	109	2	:	:	PUNCT
easat-7042	109	3	governance	governance	NOUN
easat-7042	109	4	quality	quality	NOUN
easat-7042	109	5	has	have	VERB
easat-7042	109	6	a	a	DET
easat-7042	109	7	positive	positive	ADJ
easat-7042	109	8	impact	impact	NOUN
easat-7042	109	9	on	on	ADP
easat-7042	109	10	the	the	DET
easat-7042	109	11	financial	financial	ADJ
easat-7042	109	12	sustainability	sustainability	NOUN
easat-7042	109	13	of	of	ADP
easat-7042	109	14	pcfs	pcfs	NOUN
easat-7042	109	15	.	.	PUNCT
easat-7042	110	1	2.2.5	2.2.5	NUM
easat-7042	110	2	.	.	PUNCT
easat-7042	110	3	loan	loan	NOUN
easat-7042	110	4	portfolio	portfolio	NOUN
easat-7042	110	5	management	management	PROPN
easat-7042	110	6	loan	loan	NOUN
easat-7042	110	7	portfolio	portfolio	NOUN
easat-7042	110	8	management	management	NOUN
easat-7042	110	9	is	be	AUX
easat-7042	110	10	a	a	DET
easat-7042	110	11	crucial	crucial	ADJ
easat-7042	110	12	factor	factor	NOUN
easat-7042	110	13	for	for	ADP
easat-7042	110	14	the	the	DET
easat-7042	110	15	financial	financial	ADJ
easat-7042	110	16	sustainability	sustainability	NOUN
easat-7042	110	17	of	of	ADP
easat-7042	110	18	people	people	NOUN
easat-7042	110	19	's	's	PART
easat-7042	110	20	credit	credit	NOUN
easat-7042	110	21	funds	fund	NOUN
easat-7042	110	22	(	(	PUNCT
easat-7042	110	23	pcfs	pcfs	PROPN
easat-7042	110	24	)	)	PUNCT
easat-7042	110	25	.	.	PUNCT
easat-7042	111	1	the	the	DET
easat-7042	111	2	quality	quality	NOUN
easat-7042	111	3	of	of	ADP
easat-7042	111	4	loans	loan	NOUN
easat-7042	111	5	granted	grant	VERB
easat-7042	111	6	,	,	PUNCT
easat-7042	111	7	as	as	ADV
easat-7042	111	8	well	well	ADV
easat-7042	111	9	as	as	ADP
easat-7042	111	10	the	the	DET
easat-7042	111	11	effectiveness	effectiveness	NOUN
easat-7042	111	12	of	of	ADP
easat-7042	111	13	loan	loan	NOUN
easat-7042	111	14	monitoring	monitoring	NOUN
easat-7042	111	15	systems	system	NOUN
easat-7042	111	16	,	,	PUNCT
easat-7042	111	17	can	can	AUX
easat-7042	111	18	have	have	VERB
easat-7042	111	19	a	a	DET
easat-7042	111	20	significant	significant	ADJ
easat-7042	111	21	impact	impact	NOUN
easat-7042	111	22	on	on	ADP
easat-7042	111	23	a	a	DET
easat-7042	111	24	pcf	pcf	PROPN
easat-7042	111	25	's	's	PART
easat-7042	111	26	financial	financial	ADJ
easat-7042	111	27	health	health	NOUN
easat-7042	111	28	.	.	PUNCT
easat-7042	112	1	an	an	DET
easat-7042	112	2	effective	effective	ADJ
easat-7042	112	3	loan	loan	NOUN
easat-7042	112	4	portfolio	portfolio	NOUN
easat-7042	112	5	management	management	NOUN
easat-7042	112	6	system	system	NOUN
easat-7042	112	7	ensures	ensure	VERB
easat-7042	112	8	that	that	SCONJ
easat-7042	112	9	credit	credit	NOUN
easat-7042	112	10	risks	risk	NOUN
easat-7042	112	11	are	be	AUX
easat-7042	112	12	minimized	minimize	VERB
easat-7042	112	13	,	,	PUNCT
easat-7042	112	14	repayment	repayment	NOUN
easat-7042	112	15	rates	rate	NOUN
easat-7042	112	16	are	be	AUX
easat-7042	112	17	high	high	ADJ
easat-7042	112	18	,	,	PUNCT
easat-7042	112	19	and	and	CCONJ
easat-7042	112	20	the	the	DET
easat-7042	112	21	loan	loan	NOUN
easat-7042	112	22	portfolio	portfolio	NOUN
easat-7042	112	23	is	be	AUX
easat-7042	112	24	diversified	diversify	VERB
easat-7042	112	25	to	to	PART
easat-7042	112	26	reduce	reduce	VERB
easat-7042	112	27	exposure	exposure	NOUN
easat-7042	112	28	to	to	ADP
easat-7042	112	29	a	a	DET
easat-7042	112	30	single	single	ADJ
easat-7042	112	31	borrower	borrower	NOUN
easat-7042	112	32	or	or	CCONJ
easat-7042	112	33	sector	sector	NOUN
easat-7042	112	34	.	.	PUNCT
easat-7042	113	1	high	high	ADJ
easat-7042	113	2	non	non	ADJ
easat-7042	113	3	-	-	ADJ
easat-7042	113	4	performing	performing	ADJ
easat-7042	113	5	loan	loan	NOUN
easat-7042	113	6	(	(	PUNCT
easat-7042	113	7	npl	npl	NOUN
easat-7042	113	8	)	)	PUNCT
easat-7042	113	9	rates	rate	NOUN
easat-7042	113	10	,	,	PUNCT
easat-7042	113	11	for	for	ADP
easat-7042	113	12	instance	instance	NOUN
easat-7042	113	13	,	,	PUNCT
easat-7042	113	14	can	can	AUX
easat-7042	113	15	significantly	significantly	ADV
easat-7042	113	16	impair	impair	VERB
easat-7042	113	17	a	a	DET
easat-7042	113	18	pcf	pcf	PROPN
easat-7042	113	19	’s	’s	PART
easat-7042	113	20	ability	ability	NOUN
easat-7042	113	21	to	to	PART
easat-7042	113	22	generate	generate	VERB
easat-7042	113	23	profit	profit	NOUN
easat-7042	113	24	and	and	CCONJ
easat-7042	113	25	maintain	maintain	VERB
easat-7042	113	26	financial	financial	ADJ
easat-7042	113	27	stability	stability	NOUN
easat-7042	113	28	.	.	PUNCT
easat-7042	114	1	according	accord	VERB
easat-7042	114	2	to	to	ADP
easat-7042	114	3	cuadrado	cuadrado	PROPN
easat-7042	114	4	-	-	PUNCT
easat-7042	114	5	ballesteros	ballesteros	PROPN
easat-7042	114	6	and	and	CCONJ
easat-7042	114	7	bisogno	bisogno	PROPN
easat-7042	114	8	[	[	X
easat-7042	114	9	24	24	NUM
easat-7042	114	10	]	]	PUNCT
easat-7042	114	11	sound	sound	NOUN
easat-7042	114	12	loan	loan	NOUN
easat-7042	114	13	portfolio	portfolio	NOUN
easat-7042	114	14	management	management	NOUN
easat-7042	114	15	practices	practice	NOUN
easat-7042	114	16	can	can	AUX
easat-7042	114	17	enhance	enhance	VERB
easat-7042	114	18	the	the	DET
easat-7042	114	19	sustainability	sustainability	NOUN
easat-7042	114	20	of	of	ADP
easat-7042	114	21	microfinance	microfinance	NOUN
easat-7042	114	22	institutions	institution	NOUN
easat-7042	114	23	by	by	ADP
easat-7042	114	24	minimizing	minimize	VERB
easat-7042	114	25	risks	risk	NOUN
easat-7042	114	26	and	and	CCONJ
easat-7042	114	27	ensuring	ensure	VERB
easat-7042	114	28	that	that	SCONJ
easat-7042	114	29	credit	credit	NOUN
easat-7042	114	30	operations	operation	NOUN
easat-7042	114	31	are	be	AUX
easat-7042	114	32	profitable	profitable	ADJ
easat-7042	114	33	.	.	PUNCT
easat-7042	115	1	h5	h5	PROPN
easat-7042	115	2	:	:	PUNCT
easat-7042	115	3	loan	loan	NOUN
easat-7042	115	4	portfolio	portfolio	NOUN
easat-7042	115	5	management	management	NOUN
easat-7042	115	6	has	have	VERB
easat-7042	115	7	a	a	DET
easat-7042	115	8	positive	positive	ADJ
easat-7042	115	9	impact	impact	NOUN
easat-7042	115	10	on	on	ADP
easat-7042	115	11	the	the	DET
easat-7042	115	12	financial	financial	ADJ
easat-7042	115	13	sustainability	sustainability	NOUN
easat-7042	115	14	of	of	ADP
easat-7042	115	15	pcfs	pcfs	PROPN
easat-7042	115	16	.	.	PUNCT
easat-7042	116	1	934	934	NUM
easat-7042	116	2	edelweiss	edelweiss	PROPN
easat-7042	116	3	applied	apply	VERB
easat-7042	116	4	science	science	NOUN
easat-7042	116	5	and	and	CCONJ
easat-7042	116	6	technology	technology	NOUN
easat-7042	116	7	issn	issn	PROPN
easat-7042	116	8	:	:	PUNCT
easat-7042	116	9	2576	2576	NUM
easat-7042	116	10	-	-	SYM
easat-7042	116	11	8484	8484	NUM
easat-7042	116	12	vol	vol	NOUN
easat-7042	116	13	.	.	PROPN
easat-7042	117	1	9	9	NUM
easat-7042	117	2	,	,	PUNCT
easat-7042	117	3	no	no	INTJ
easat-7042	117	4	.	.	NOUN
easat-7042	117	5	5	5	NUM
easat-7042	117	6	:	:	SYM
easat-7042	117	7	930	930	NUM
easat-7042	117	8	-	-	SYM
easat-7042	117	9	946	946	NUM
easat-7042	117	10	,	,	PUNCT
easat-7042	117	11	2025	2025	NUM
easat-7042	117	12	doi	doi	NOUN
easat-7042	117	13	:	:	PUNCT
easat-7042	117	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	117	15	©	©	PROPN
easat-7042	117	16	2025	2025	NUM
easat-7042	117	17	by	by	ADP
easat-7042	117	18	the	the	DET
easat-7042	117	19	authors	author	NOUN
easat-7042	117	20	;	;	PUNCT
easat-7042	117	21	licensee	licensee	PROPN
easat-7042	117	22	learning	learn	VERB
easat-7042	117	23	gate	gate	NOUN
easat-7042	117	24	2.2.6	2.2.6	NUM
easat-7042	117	25	.	.	PUNCT
easat-7042	118	1	governance	governance	NOUN
easat-7042	118	2	quality	quality	NOUN
easat-7042	118	3	good	good	ADJ
easat-7042	118	4	governance	governance	NOUN
easat-7042	118	5	is	be	AUX
easat-7042	118	6	fundamental	fundamental	ADJ
easat-7042	118	7	to	to	ADP
easat-7042	118	8	the	the	DET
easat-7042	118	9	sustainability	sustainability	NOUN
easat-7042	118	10	of	of	ADP
easat-7042	118	11	financial	financial	ADJ
easat-7042	118	12	institutions	institution	NOUN
easat-7042	118	13	,	,	PUNCT
easat-7042	118	14	including	include	VERB
easat-7042	118	15	pcfs	pcfs	PROPN
easat-7042	118	16	.	.	PUNCT
easat-7042	119	1	governance	governance	NOUN
easat-7042	119	2	quality	quality	NOUN
easat-7042	119	3	refers	refer	VERB
easat-7042	119	4	to	to	ADP
easat-7042	119	5	the	the	DET
easat-7042	119	6	effectiveness	effectiveness	NOUN
easat-7042	119	7	of	of	ADP
easat-7042	119	8	leadership	leadership	NOUN
easat-7042	119	9	,	,	PUNCT
easat-7042	119	10	decision	decision	NOUN
easat-7042	119	11	-	-	PUNCT
easat-7042	119	12	making	make	VERB
easat-7042	119	13	processes	process	NOUN
easat-7042	119	14	,	,	PUNCT
easat-7042	119	15	and	and	CCONJ
easat-7042	119	16	accountability	accountability	NOUN
easat-7042	119	17	structures	structure	NOUN
easat-7042	119	18	within	within	ADP
easat-7042	119	19	the	the	DET
easat-7042	119	20	organization	organization	NOUN
easat-7042	119	21	.	.	PUNCT
easat-7042	120	1	high	high	ADJ
easat-7042	120	2	-	-	PUNCT
easat-7042	120	3	quality	quality	NOUN
easat-7042	120	4	governance	governance	NOUN
easat-7042	120	5	enhances	enhance	VERB
easat-7042	120	6	transparency	transparency	NOUN
easat-7042	120	7	,	,	PUNCT
easat-7042	120	8	reduces	reduce	VERB
easat-7042	120	9	the	the	DET
easat-7042	120	10	risk	risk	NOUN
easat-7042	120	11	of	of	ADP
easat-7042	120	12	corruption	corruption	NOUN
easat-7042	120	13	,	,	PUNCT
easat-7042	120	14	and	and	CCONJ
easat-7042	120	15	promotes	promote	VERB
easat-7042	120	16	efficient	efficient	ADJ
easat-7042	120	17	decision	decision	NOUN
easat-7042	120	18	-	-	PUNCT
easat-7042	120	19	making	making	NOUN
easat-7042	120	20	,	,	PUNCT
easat-7042	120	21	all	all	PRON
easat-7042	120	22	of	of	ADP
easat-7042	120	23	which	which	PRON
easat-7042	120	24	contribute	contribute	VERB
easat-7042	120	25	to	to	ADP
easat-7042	120	26	the	the	DET
easat-7042	120	27	financial	financial	ADJ
easat-7042	120	28	sustainability	sustainability	NOUN
easat-7042	120	29	of	of	ADP
easat-7042	120	30	the	the	DET
easat-7042	120	31	institution	institution	NOUN
easat-7042	120	32	.	.	PUNCT
easat-7042	121	1	studies	study	NOUN
easat-7042	121	2	by	by	ADP
easat-7042	121	3	cucciniello	cucciniello	PROPN
easat-7042	121	4	,	,	PUNCT
easat-7042	121	5	et	et	PROPN
easat-7042	121	6	al	al	PROPN
easat-7042	121	7	.	.	PUNCT
easat-7042	122	1	[	[	X
easat-7042	122	2	25	25	NUM
easat-7042	122	3	]	]	PUNCT
easat-7042	122	4	indicate	indicate	VERB
easat-7042	122	5	that	that	SCONJ
easat-7042	122	6	institutions	institution	NOUN
easat-7042	122	7	with	with	ADP
easat-7042	122	8	strong	strong	ADJ
easat-7042	122	9	governance	governance	NOUN
easat-7042	122	10	mechanisms	mechanism	NOUN
easat-7042	122	11	are	be	AUX
easat-7042	122	12	more	more	ADV
easat-7042	122	13	likely	likely	ADJ
easat-7042	122	14	to	to	PART
easat-7042	122	15	attract	attract	VERB
easat-7042	122	16	investment	investment	NOUN
easat-7042	122	17	,	,	PUNCT
easat-7042	122	18	maintain	maintain	VERB
easat-7042	122	19	operational	operational	ADJ
easat-7042	122	20	efficiency	efficiency	NOUN
easat-7042	122	21	,	,	PUNCT
easat-7042	122	22	and	and	CCONJ
easat-7042	122	23	adapt	adapt	VERB
easat-7042	122	24	to	to	ADP
easat-7042	122	25	regulatory	regulatory	ADJ
easat-7042	122	26	changes	change	NOUN
easat-7042	122	27	.	.	PUNCT
easat-7042	123	1	furthermore	furthermore	ADV
easat-7042	123	2	,	,	PUNCT
easat-7042	123	3	effective	effective	ADJ
easat-7042	123	4	governance	governance	NOUN
easat-7042	123	5	ensures	ensure	VERB
easat-7042	123	6	that	that	SCONJ
easat-7042	123	7	the	the	DET
easat-7042	123	8	organization	organization	NOUN
easat-7042	123	9	is	be	AUX
easat-7042	123	10	managed	manage	VERB
easat-7042	123	11	in	in	ADP
easat-7042	123	12	a	a	DET
easat-7042	123	13	way	way	NOUN
easat-7042	123	14	that	that	PRON
easat-7042	123	15	aligns	align	VERB
easat-7042	123	16	with	with	ADP
easat-7042	123	17	the	the	DET
easat-7042	123	18	long	long	ADJ
easat-7042	123	19	-	-	PUNCT
easat-7042	123	20	term	term	NOUN
easat-7042	123	21	interests	interest	NOUN
easat-7042	123	22	of	of	ADP
easat-7042	123	23	stakeholders	stakeholder	NOUN
easat-7042	123	24	,	,	PUNCT
easat-7042	123	25	including	include	VERB
easat-7042	123	26	members	member	NOUN
easat-7042	123	27	,	,	PUNCT
easat-7042	123	28	employees	employee	NOUN
easat-7042	123	29	,	,	PUNCT
easat-7042	123	30	and	and	CCONJ
easat-7042	123	31	investors	investor	NOUN
easat-7042	123	32	.	.	PUNCT
easat-7042	124	1	h6	h6	NOUN
easat-7042	124	2	:	:	PUNCT
easat-7042	124	3	governance	governance	NOUN
easat-7042	124	4	quality	quality	NOUN
easat-7042	124	5	positively	positively	ADV
easat-7042	124	6	influences	influence	VERB
easat-7042	124	7	the	the	DET
easat-7042	124	8	financial	financial	ADJ
easat-7042	124	9	sustainability	sustainability	NOUN
easat-7042	124	10	of	of	ADP
easat-7042	124	11	pcfs	pcfs	PROPN
easat-7042	124	12	.	.	PUNCT
easat-7042	125	1	2.2.7	2.2.7	X
easat-7042	125	2	.	.	PUNCT
easat-7042	126	1	financial	financial	ADJ
easat-7042	126	2	management	management	PROPN
easat-7042	126	3	financial	financial	ADJ
easat-7042	126	4	management	management	NOUN
easat-7042	126	5	involves	involve	VERB
easat-7042	126	6	the	the	DET
easat-7042	126	7	planning	planning	NOUN
easat-7042	126	8	,	,	PUNCT
easat-7042	126	9	monitoring	monitoring	NOUN
easat-7042	126	10	,	,	PUNCT
easat-7042	126	11	and	and	CCONJ
easat-7042	126	12	control	control	NOUN
easat-7042	126	13	of	of	ADP
easat-7042	126	14	financial	financial	ADJ
easat-7042	126	15	resources	resource	NOUN
easat-7042	126	16	to	to	PART
easat-7042	126	17	achieve	achieve	VERB
easat-7042	126	18	the	the	DET
easat-7042	126	19	institution	institution	NOUN
easat-7042	126	20	’s	’s	PART
easat-7042	126	21	objectives	objective	NOUN
easat-7042	126	22	.	.	PUNCT
easat-7042	127	1	for	for	ADP
easat-7042	127	2	pcfs	pcfs	PROPN
easat-7042	127	3	,	,	PUNCT
easat-7042	127	4	sound	sound	ADJ
easat-7042	127	5	financial	financial	ADJ
easat-7042	127	6	management	management	NOUN
easat-7042	127	7	is	be	AUX
easat-7042	127	8	critical	critical	ADJ
easat-7042	127	9	to	to	ADP
easat-7042	127	10	ensuring	ensure	VERB
easat-7042	127	11	liquidity	liquidity	NOUN
easat-7042	127	12	,	,	PUNCT
easat-7042	127	13	profitability	profitability	NOUN
easat-7042	127	14	,	,	PUNCT
easat-7042	127	15	and	and	CCONJ
easat-7042	127	16	long	long	ADJ
easat-7042	127	17	-	-	PUNCT
easat-7042	127	18	term	term	NOUN
easat-7042	127	19	sustainability	sustainability	NOUN
easat-7042	127	20	.	.	PUNCT
easat-7042	128	1	it	it	PRON
easat-7042	128	2	includes	include	VERB
easat-7042	128	3	aspects	aspect	NOUN
easat-7042	128	4	such	such	ADJ
easat-7042	128	5	as	as	ADP
easat-7042	128	6	budgeting	budget	VERB
easat-7042	128	7	,	,	PUNCT
easat-7042	128	8	financial	financial	ADJ
easat-7042	128	9	reporting	reporting	NOUN
easat-7042	128	10	,	,	PUNCT
easat-7042	128	11	risk	risk	NOUN
easat-7042	128	12	assessment	assessment	NOUN
easat-7042	128	13	,	,	PUNCT
easat-7042	128	14	and	and	CCONJ
easat-7042	128	15	capital	capital	NOUN
easat-7042	128	16	management	management	NOUN
easat-7042	128	17	.	.	PUNCT
easat-7042	129	1	according	accord	VERB
easat-7042	129	2	to	to	ADP
easat-7042	129	3	heald	heald	PROPN
easat-7042	129	4	[	[	X
easat-7042	129	5	26	26	NUM
easat-7042	129	6	]	]	X
easat-7042	129	7	financial	financial	ADJ
easat-7042	129	8	management	management	NOUN
easat-7042	129	9	practices	practice	NOUN
easat-7042	129	10	,	,	PUNCT
easat-7042	129	11	such	such	ADJ
easat-7042	129	12	as	as	ADP
easat-7042	129	13	maintaining	maintain	VERB
easat-7042	129	14	adequate	adequate	ADJ
easat-7042	129	15	capital	capital	NOUN
easat-7042	129	16	reserves	reserve	NOUN
easat-7042	129	17	and	and	CCONJ
easat-7042	129	18	effective	effective	ADJ
easat-7042	129	19	cost	cost	NOUN
easat-7042	129	20	control	control	NOUN
easat-7042	129	21	measures	measure	NOUN
easat-7042	129	22	,	,	PUNCT
easat-7042	129	23	are	be	AUX
easat-7042	129	24	essential	essential	ADJ
easat-7042	129	25	for	for	ADP
easat-7042	129	26	mitigating	mitigate	VERB
easat-7042	129	27	financial	financial	ADJ
easat-7042	129	28	risks	risk	NOUN
easat-7042	129	29	and	and	CCONJ
easat-7042	129	30	ensuring	ensure	VERB
easat-7042	129	31	the	the	DET
easat-7042	129	32	stability	stability	NOUN
easat-7042	129	33	of	of	ADP
easat-7042	129	34	microfinance	microfinance	NOUN
easat-7042	129	35	institutions	institution	NOUN
easat-7042	129	36	.	.	PUNCT
easat-7042	130	1	proper	proper	ADJ
easat-7042	130	2	financial	financial	ADJ
easat-7042	130	3	management	management	NOUN
easat-7042	130	4	helps	help	VERB
easat-7042	130	5	pcfs	pcfs	NOUN
easat-7042	130	6	to	to	PART
easat-7042	130	7	withstand	withstand	VERB
easat-7042	130	8	economic	economic	ADJ
easat-7042	130	9	shocks	shock	NOUN
easat-7042	130	10	and	and	CCONJ
easat-7042	130	11	maintain	maintain	VERB
easat-7042	130	12	solvency	solvency	NOUN
easat-7042	130	13	even	even	ADV
easat-7042	130	14	during	during	ADP
easat-7042	130	15	periods	period	NOUN
easat-7042	130	16	of	of	ADP
easat-7042	130	17	financial	financial	ADJ
easat-7042	130	18	distress	distress	NOUN
easat-7042	130	19	.	.	PUNCT
easat-7042	131	1	h7	h7	NOUN
easat-7042	131	2	:	:	PUNCT
easat-7042	131	3	financial	financial	ADJ
easat-7042	131	4	management	management	NOUN
easat-7042	131	5	has	have	VERB
easat-7042	131	6	a	a	DET
easat-7042	131	7	positive	positive	ADJ
easat-7042	131	8	impact	impact	NOUN
easat-7042	131	9	on	on	ADP
easat-7042	131	10	the	the	DET
easat-7042	131	11	financial	financial	ADJ
easat-7042	131	12	sustainability	sustainability	NOUN
easat-7042	131	13	of	of	ADP
easat-7042	131	14	pcfs	pcfs	NOUN
easat-7042	131	15	.	.	PUNCT
easat-7042	132	1	2.2.8	2.2.8	NUM
easat-7042	132	2	.	.	PUNCT
easat-7042	132	3	financial	financial	ADJ
easat-7042	132	4	self	self	NOUN
easat-7042	132	5	-	-	PUNCT
easat-7042	132	6	sufficiency	sufficiency	NOUN
easat-7042	132	7	financial	financial	ADJ
easat-7042	132	8	self	self	NOUN
easat-7042	132	9	-	-	PUNCT
easat-7042	132	10	sufficiency	sufficiency	NOUN
easat-7042	132	11	(	(	PUNCT
easat-7042	132	12	fss	fss	NOUN
easat-7042	132	13	)	)	PUNCT
easat-7042	132	14	refers	refer	VERB
easat-7042	132	15	to	to	ADP
easat-7042	132	16	the	the	DET
easat-7042	132	17	ability	ability	NOUN
easat-7042	132	18	of	of	ADP
easat-7042	132	19	an	an	DET
easat-7042	132	20	institution	institution	NOUN
easat-7042	132	21	to	to	PART
easat-7042	132	22	generate	generate	VERB
easat-7042	132	23	enough	enough	ADJ
easat-7042	132	24	revenue	revenue	NOUN
easat-7042	132	25	to	to	PART
easat-7042	132	26	cover	cover	VERB
easat-7042	132	27	its	its	PRON
easat-7042	132	28	operational	operational	ADJ
easat-7042	132	29	costs	cost	NOUN
easat-7042	132	30	without	without	ADP
easat-7042	132	31	relying	rely	VERB
easat-7042	132	32	on	on	ADP
easat-7042	132	33	external	external	ADJ
easat-7042	132	34	funding	funding	NOUN
easat-7042	132	35	sources	source	NOUN
easat-7042	132	36	.	.	PUNCT
easat-7042	133	1	for	for	ADP
easat-7042	133	2	pcfs	pcfs	PROPN
easat-7042	133	3	,	,	PUNCT
easat-7042	133	4	achieving	achieve	VERB
easat-7042	133	5	financial	financial	ADJ
easat-7042	133	6	self	self	NOUN
easat-7042	133	7	-	-	PUNCT
easat-7042	133	8	sufficiency	sufficiency	NOUN
easat-7042	133	9	is	be	AUX
easat-7042	133	10	a	a	DET
easat-7042	133	11	key	key	ADJ
easat-7042	133	12	indicator	indicator	NOUN
easat-7042	133	13	of	of	ADP
easat-7042	133	14	their	their	PRON
easat-7042	133	15	long	long	ADJ
easat-7042	133	16	-	-	PUNCT
easat-7042	133	17	term	term	NOUN
easat-7042	133	18	sustainability	sustainability	NOUN
easat-7042	133	19	.	.	PUNCT
easat-7042	134	1	institutions	institution	NOUN
easat-7042	134	2	that	that	PRON
easat-7042	134	3	are	be	AUX
easat-7042	134	4	financially	financially	ADV
easat-7042	134	5	selfsufficient	selfsufficient	ADJ
easat-7042	134	6	can	can	AUX
easat-7042	134	7	reduce	reduce	VERB
easat-7042	134	8	their	their	PRON
easat-7042	134	9	dependency	dependency	NOUN
easat-7042	134	10	on	on	ADP
easat-7042	134	11	donor	donor	NOUN
easat-7042	134	12	funding	funding	NOUN
easat-7042	134	13	or	or	CCONJ
easat-7042	134	14	government	government	NOUN
easat-7042	134	15	subsidies	subsidy	NOUN
easat-7042	134	16	,	,	PUNCT
easat-7042	134	17	which	which	PRON
easat-7042	134	18	are	be	AUX
easat-7042	134	19	often	often	ADV
easat-7042	134	20	temporary	temporary	ADJ
easat-7042	134	21	and	and	CCONJ
easat-7042	134	22	unreliable	unreliable	ADJ
easat-7042	134	23	.	.	PUNCT
easat-7042	135	1	according	accord	VERB
easat-7042	135	2	to	to	ADP
easat-7042	135	3	the	the	DET
easat-7042	135	4	microfinance	microfinance	NOUN
easat-7042	135	5	information	information	NOUN
easat-7042	135	6	exchange	exchange	NOUN
easat-7042	135	7	(	(	PUNCT
easat-7042	135	8	mix	mix	NOUN
easat-7042	135	9	)	)	PUNCT
easat-7042	135	10	[	[	X
easat-7042	135	11	27	27	NUM
easat-7042	135	12	]	]	X
easat-7042	135	13	a	a	DET
easat-7042	135	14	strong	strong	ADJ
easat-7042	135	15	focus	focus	NOUN
easat-7042	135	16	on	on	ADP
easat-7042	135	17	fss	fss	PROPN
easat-7042	135	18	allows	allow	VERB
easat-7042	135	19	pcfs	pcfs	PROPN
easat-7042	135	20	to	to	PART
easat-7042	135	21	reinvest	reinvest	VERB
easat-7042	135	22	their	their	PRON
easat-7042	135	23	profits	profit	NOUN
easat-7042	135	24	into	into	ADP
easat-7042	135	25	expanding	expand	VERB
easat-7042	135	26	services	service	NOUN
easat-7042	135	27	,	,	PUNCT
easat-7042	135	28	improving	improve	VERB
easat-7042	135	29	operations	operation	NOUN
easat-7042	135	30	,	,	PUNCT
easat-7042	135	31	and	and	CCONJ
easat-7042	135	32	enhancing	enhance	VERB
easat-7042	135	33	member	member	NOUN
easat-7042	135	34	outreach	outreach	NOUN
easat-7042	135	35	,	,	PUNCT
easat-7042	135	36	which	which	PRON
easat-7042	135	37	in	in	ADP
easat-7042	135	38	turn	turn	NOUN
easat-7042	135	39	leads	lead	VERB
easat-7042	135	40	to	to	ADP
easat-7042	135	41	greater	great	ADJ
easat-7042	135	42	financial	financial	ADJ
easat-7042	135	43	stability	stability	NOUN
easat-7042	135	44	.	.	PUNCT
easat-7042	136	1	achieving	achieve	VERB
easat-7042	136	2	financial	financial	ADJ
easat-7042	136	3	selfsufficiency	selfsufficiency	NOUN
easat-7042	136	4	also	also	ADV
easat-7042	136	5	boosts	boost	VERB
easat-7042	136	6	stakeholder	stakeholder	NOUN
easat-7042	136	7	confidence	confidence	NOUN
easat-7042	136	8	and	and	CCONJ
easat-7042	136	9	encourages	encourage	VERB
easat-7042	136	10	further	further	ADJ
easat-7042	136	11	investment	investment	NOUN
easat-7042	136	12	in	in	ADP
easat-7042	136	13	the	the	DET
easat-7042	136	14	institution	institution	NOUN
easat-7042	136	15	.	.	PUNCT
easat-7042	137	1	h8	h8	NOUN
easat-7042	137	2	:	:	PUNCT
easat-7042	137	3	financial	financial	ADJ
easat-7042	137	4	self	self	NOUN
easat-7042	137	5	-	-	PUNCT
easat-7042	137	6	sufficiency	sufficiency	NOUN
easat-7042	137	7	positively	positively	ADV
easat-7042	137	8	influences	influence	VERB
easat-7042	137	9	the	the	DET
easat-7042	137	10	financial	financial	ADJ
easat-7042	137	11	sustainability	sustainability	NOUN
easat-7042	137	12	of	of	ADP
easat-7042	137	13	pcfs	pcfs	PROPN
easat-7042	137	14	.	.	PUNCT
easat-7042	138	1	3	3	X
easat-7042	138	2	.	.	X
easat-7042	138	3	methodology	methodology	NOUN
easat-7042	138	4	3.1	3.1	NUM
easat-7042	138	5	.	.	PUNCT
easat-7042	139	1	sample	sample	NOUN
easat-7042	139	2	we	we	PRON
easat-7042	139	3	developed	develop	VERB
easat-7042	139	4	a	a	DET
easat-7042	139	5	structured	structured	ADJ
easat-7042	139	6	questionnaire	questionnaire	NOUN
easat-7042	139	7	using	use	VERB
easat-7042	139	8	google	google	PROPN
easat-7042	139	9	forms	form	NOUN
easat-7042	139	10	and	and	CCONJ
easat-7042	139	11	implemented	implement	VERB
easat-7042	139	12	a	a	DET
easat-7042	139	13	snowball‐sampling	snowball‐sampling	NOUN
easat-7042	139	14	procedure	procedure	NOUN
easat-7042	139	15	to	to	ADP
easat-7042	139	16	recruit	recruit	NOUN
easat-7042	139	17	respondents	respondent	NOUN
easat-7042	139	18	.	.	PUNCT
easat-7042	140	1	drawing	draw	VERB
easat-7042	140	2	on	on	ADP
easat-7042	140	3	nguyen	nguyen	PROPN
easat-7042	140	4	’s	’s	PART
easat-7042	140	5	recommendation	recommendation	NOUN
easat-7042	140	6	that	that	SCONJ
easat-7042	140	7	each	each	DET
easat-7042	140	8	latent	latent	NOUN
easat-7042	140	9	construct	construct	NOUN
easat-7042	140	10	be	be	AUX
easat-7042	140	11	measured	measure	VERB
easat-7042	140	12	by	by	ADP
easat-7042	140	13	a	a	DET
easat-7042	140	14	minimum	minimum	NOUN
easat-7042	140	15	of	of	ADP
easat-7042	140	16	five	five	NUM
easat-7042	140	17	indicators	indicator	NOUN
easat-7042	140	18	—	—	PUNCT
easat-7042	140	19	and	and	CCONJ
easat-7042	140	20	preferably	preferably	ADV
easat-7042	140	21	ten	ten	NUM
easat-7042	140	22	,	,	PUNCT
easat-7042	140	23	to	to	PART
easat-7042	140	24	satisfy	satisfy	VERB
easat-7042	140	25	a	a	DET
easat-7042	140	26	10:1	10:1	NUM
easat-7042	140	27	respondent	respondent	NOUN
easat-7042	140	28	-	-	PUNCT
easat-7042	140	29	to	to	ADP
easat-7042	140	30	-	-	PUNCT
easat-7042	140	31	item	item	NOUN
easat-7042	140	32	ratio	ratio	NOUN
easat-7042	140	33	[	[	X
easat-7042	140	34	28	28	NUM
easat-7042	140	35	]	]	X
easat-7042	140	36	our	our	PRON
easat-7042	140	37	instrument	instrument	NOUN
easat-7042	140	38	comprises	comprise	VERB
easat-7042	140	39	35	35	NUM
easat-7042	140	40	measurement	measurement	NOUN
easat-7042	140	41	items	item	NOUN
easat-7042	140	42	.	.	PUNCT
easat-7042	141	1	accordingly	accordingly	ADV
easat-7042	141	2	,	,	PUNCT
easat-7042	141	3	the	the	DET
easat-7042	141	4	study	study	NOUN
easat-7042	141	5	requires	require	VERB
easat-7042	141	6	at	at	ADV
easat-7042	141	7	least	least	ADV
easat-7042	141	8	175	175	NUM
easat-7042	141	9	completed	complete	VERB
easat-7042	141	10	surveys	survey	NOUN
easat-7042	141	11	(	(	PUNCT
easat-7042	141	12	35	35	NUM
easat-7042	141	13	items	item	NOUN
easat-7042	141	14	×	×	NOUN
easat-7042	141	15	5	5	NUM
easat-7042	141	16	responses	response	NOUN
easat-7042	141	17	per	per	ADP
easat-7042	141	18	item	item	NOUN
easat-7042	141	19	)	)	PUNCT
easat-7042	141	20	,	,	PUNCT
easat-7042	141	21	with	with	ADP
easat-7042	141	22	additional	additional	ADJ
easat-7042	141	23	responses	response	NOUN
easat-7042	141	24	enhancing	enhance	VERB
easat-7042	141	25	the	the	DET
easat-7042	141	26	precision	precision	NOUN
easat-7042	141	27	of	of	ADP
easat-7042	141	28	parameter	parameter	NOUN
easat-7042	141	29	estimates	estimate	NOUN
easat-7042	141	30	and	and	CCONJ
easat-7042	141	31	the	the	DET
easat-7042	141	32	stability	stability	NOUN
easat-7042	141	33	of	of	ADP
easat-7042	141	34	multivariate	multivariate	NOUN
easat-7042	141	35	analyses	analysis	NOUN
easat-7042	141	36	.	.	PUNCT
easat-7042	142	1	to	to	PART
easat-7042	142	2	achieve	achieve	VERB
easat-7042	142	3	this	this	DET
easat-7042	142	4	target	target	NOUN
easat-7042	142	5	,	,	PUNCT
easat-7042	142	6	we	we	PRON
easat-7042	142	7	initially	initially	ADV
easat-7042	142	8	distributed	distribute	VERB
easat-7042	142	9	the	the	DET
easat-7042	142	10	questionnaire	questionnaire	NOUN
easat-7042	142	11	to	to	ADP
easat-7042	142	12	a	a	DET
easat-7042	142	13	purposive	purposive	ADJ
easat-7042	142	14	set	set	NOUN
easat-7042	142	15	of	of	ADP
easat-7042	142	16	approximately	approximately	ADV
easat-7042	142	17	50	50	NUM
easat-7042	142	18	employees	employee	NOUN
easat-7042	142	19	drawn	draw	VERB
easat-7042	142	20	from	from	ADP
easat-7042	142	21	diverse	diverse	ADJ
easat-7042	142	22	vietnamese	vietnamese	ADJ
easat-7042	142	23	firms	firm	NOUN
easat-7042	142	24	and	and	CCONJ
easat-7042	142	25	asked	ask	VERB
easat-7042	142	26	each	each	DET
easat-7042	142	27	participant	participant	NOUN
easat-7042	142	28	to	to	PART
easat-7042	142	29	refer	refer	VERB
easat-7042	142	30	the	the	DET
easat-7042	142	31	survey	survey	NOUN
easat-7042	142	32	link	link	NOUN
easat-7042	142	33	to	to	ADP
easat-7042	142	34	colleagues	colleague	NOUN
easat-7042	142	35	within	within	ADP
easat-7042	142	36	their	their	PRON
easat-7042	142	37	professional	professional	ADJ
easat-7042	142	38	networks	network	NOUN
easat-7042	142	39	.	.	PUNCT
easat-7042	143	1	this	this	DET
easat-7042	143	2	snowball	snowball	NOUN
easat-7042	143	3	approach	approach	NOUN
easat-7042	143	4	not	not	PART
easat-7042	143	5	only	only	ADV
easat-7042	143	6	facilitates	facilitate	VERB
easat-7042	143	7	access	access	NOUN
easat-7042	143	8	to	to	ADP
easat-7042	143	9	hard	hard	ADJ
easat-7042	143	10	-	-	PUNCT
easat-7042	143	11	to	to	PART
easat-7042	143	12	-	-	PUNCT
easat-7042	143	13	reach	reach	VERB
easat-7042	143	14	populations	population	NOUN
easat-7042	143	15	but	but	CCONJ
easat-7042	143	16	also	also	ADV
easat-7042	143	17	helps	help	VERB
easat-7042	143	18	ensure	ensure	VERB
easat-7042	143	19	that	that	SCONJ
easat-7042	143	20	the	the	DET
easat-7042	143	21	final	final	ADJ
easat-7042	143	22	sample	sample	NOUN
easat-7042	143	23	(	(	PUNCT
easat-7042	143	24	n	n	CCONJ
easat-7042	143	25	≥	≥	NUM
easat-7042	143	26	175	175	NUM
easat-7042	143	27	)	)	PUNCT
easat-7042	143	28	is	be	AUX
easat-7042	143	29	sufficiently	sufficiently	ADV
easat-7042	143	30	large	large	ADJ
easat-7042	143	31	for	for	ADP
easat-7042	143	32	robust	robust	ADJ
easat-7042	143	33	reliability	reliability	NOUN
easat-7042	143	34	and	and	CCONJ
easat-7042	143	35	validity	validity	NOUN
easat-7042	143	36	assessment	assessment	NOUN
easat-7042	143	37	,	,	PUNCT
easat-7042	143	38	including	include	VERB
easat-7042	143	39	confirmatory	confirmatory	NOUN
easat-7042	143	40	factor	factor	NOUN
easat-7042	143	41	analysis	analysis	NOUN
easat-7042	143	42	and	and	CCONJ
easat-7042	143	43	structural	structural	ADJ
easat-7042	143	44	equation	equation	NOUN
easat-7042	143	45	modeling	modeling	NOUN
easat-7042	143	46	.	.	PUNCT
easat-7042	144	1	based	base	VERB
easat-7042	144	2	on	on	ADP
easat-7042	144	3	the	the	DET
easat-7042	144	4	demographic	demographic	ADJ
easat-7042	144	5	data	datum	NOUN
easat-7042	144	6	,	,	PUNCT
easat-7042	144	7	the	the	DET
easat-7042	144	8	gender	gender	NOUN
easat-7042	144	9	distribution	distribution	NOUN
easat-7042	144	10	of	of	ADP
easat-7042	144	11	survey	survey	NOUN
easat-7042	144	12	respondents	respondent	NOUN
easat-7042	144	13	was	be	AUX
easat-7042	144	14	approximately	approximately	ADV
easat-7042	144	15	balanced	balanced	ADJ
easat-7042	144	16	,	,	PUNCT
easat-7042	144	17	with	with	ADP
easat-7042	144	18	47.9	47.9	NUM
easat-7042	144	19	%	%	NOUN
easat-7042	144	20	male	male	NOUN
easat-7042	144	21	and	and	CCONJ
easat-7042	144	22	52.1	52.1	NUM
easat-7042	144	23	%	%	NOUN
easat-7042	144	24	female	female	NOUN
easat-7042	144	25	.	.	PUNCT
easat-7042	145	1	age	age	NOUN
easat-7042	145	2	groups	group	NOUN
easat-7042	145	3	were	be	AUX
easat-7042	145	4	also	also	ADV
easat-7042	145	5	evenly	evenly	ADV
easat-7042	145	6	represented	represent	VERB
easat-7042	145	7	:	:	PUNCT
easat-7042	145	8	29.9	29.9	NUM
easat-7042	145	9	%	%	NOUN
easat-7042	145	10	were	be	AUX
easat-7042	145	11	935	935	NUM
easat-7042	145	12	edelweiss	edelweiss	PROPN
easat-7042	145	13	applied	apply	VERB
easat-7042	145	14	science	science	NOUN
easat-7042	145	15	and	and	CCONJ
easat-7042	145	16	technology	technology	NOUN
easat-7042	145	17	issn	issn	PROPN
easat-7042	145	18	:	:	PUNCT
easat-7042	145	19	2576	2576	NUM
easat-7042	145	20	-	-	SYM
easat-7042	145	21	8484	8484	NUM
easat-7042	145	22	vol	vol	NOUN
easat-7042	145	23	.	.	PROPN
easat-7042	146	1	9	9	NUM
easat-7042	146	2	,	,	PUNCT
easat-7042	146	3	no	no	INTJ
easat-7042	146	4	.	.	NOUN
easat-7042	146	5	5	5	NUM
easat-7042	146	6	:	:	SYM
easat-7042	146	7	930	930	NUM
easat-7042	146	8	-	-	SYM
easat-7042	146	9	946	946	NUM
easat-7042	146	10	,	,	PUNCT
easat-7042	146	11	2025	2025	NUM
easat-7042	146	12	doi	doi	NOUN
easat-7042	146	13	:	:	PUNCT
easat-7042	146	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	146	15	©	©	PROPN
easat-7042	146	16	2025	2025	NUM
easat-7042	146	17	by	by	ADP
easat-7042	146	18	the	the	DET
easat-7042	146	19	authors	author	NOUN
easat-7042	146	20	;	;	PUNCT
easat-7042	146	21	licensee	licensee	PROPN
easat-7042	146	22	learning	learning	NOUN
easat-7042	146	23	gate	gate	NOUN
easat-7042	146	24	aged	aged	ADJ
easat-7042	146	25	46–55	46–55	NUM
easat-7042	146	26	,	,	PUNCT
easat-7042	146	27	27.5	27.5	NUM
easat-7042	146	28	%	%	NOUN
easat-7042	146	29	were	be	AUX
easat-7042	146	30	35–45	35–45	NUM
easat-7042	146	31	,	,	PUNCT
easat-7042	146	32	and	and	CCONJ
easat-7042	146	33	both	both	CCONJ
easat-7042	146	34	the	the	DET
easat-7042	146	35	under-35	under-35	PROPN
easat-7042	146	36	and	and	CCONJ
easat-7042	146	37	over-55	over-55	ADJ
easat-7042	146	38	cohorts	cohort	NOUN
easat-7042	146	39	accounted	account	VERB
easat-7042	146	40	for	for	ADP
easat-7042	146	41	21.3	21.3	NUM
easat-7042	146	42	%	%	NOUN
easat-7042	146	43	each	each	PRON
easat-7042	146	44	.	.	PUNCT
easat-7042	147	1	educational	educational	ADJ
easat-7042	147	2	attainment	attainment	NOUN
easat-7042	147	3	varied	vary	VERB
easat-7042	147	4	:	:	PUNCT
easat-7042	147	5	32.7	32.7	NUM
easat-7042	147	6	%	%	NOUN
easat-7042	147	7	held	hold	VERB
easat-7042	147	8	a	a	DET
easat-7042	147	9	master	master	NOUN
easat-7042	147	10	’s	’s	PART
easat-7042	147	11	degree	degree	NOUN
easat-7042	147	12	,	,	PUNCT
easat-7042	147	13	22.3	22.3	NUM
easat-7042	147	14	%	%	NOUN
easat-7042	147	15	a	a	DET
easat-7042	147	16	bachelor	bachelor	NOUN
easat-7042	147	17	’s	’s	PART
easat-7042	147	18	degree	degree	NOUN
easat-7042	147	19	,	,	PUNCT
easat-7042	147	20	20.4	20.4	NUM
easat-7042	147	21	%	%	NOUN
easat-7042	147	22	a	a	DET
easat-7042	147	23	doctorate	doctorate	NOUN
easat-7042	147	24	,	,	PUNCT
easat-7042	147	25	14.7	14.7	NUM
easat-7042	147	26	%	%	NOUN
easat-7042	147	27	a	a	DET
easat-7042	147	28	high	high	ADJ
easat-7042	147	29	-	-	PUNCT
easat-7042	147	30	school	school	NOUN
easat-7042	147	31	diploma	diploma	NOUN
easat-7042	147	32	,	,	PUNCT
easat-7042	147	33	and	and	CCONJ
easat-7042	147	34	10.0	10.0	NUM
easat-7042	147	35	%	%	NOUN
easat-7042	147	36	other	other	ADJ
easat-7042	147	37	qualifications	qualification	NOUN
easat-7042	147	38	.	.	PUNCT
easat-7042	148	1	participant	participant	ADJ
easat-7042	148	2	roles	role	NOUN
easat-7042	148	3	were	be	AUX
easat-7042	148	4	unevenly	unevenly	ADV
easat-7042	148	5	distributed	distribute	VERB
easat-7042	148	6	:	:	PUNCT
easat-7042	148	7	supervisory	supervisory	ADJ
easat-7042	148	8	-	-	PUNCT
easat-7042	148	9	board	board	NOUN
easat-7042	148	10	members	member	NOUN
easat-7042	148	11	comprised	comprise	VERB
easat-7042	148	12	23.2	23.2	NUM
easat-7042	148	13	%	%	NOUN
easat-7042	148	14	,	,	PUNCT
easat-7042	148	15	directors	director	NOUN
easat-7042	148	16	and	and	CCONJ
easat-7042	148	17	employees	employee	NOUN
easat-7042	148	18	each	each	DET
easat-7042	148	19	20.9	20.9	NUM
easat-7042	148	20	%	%	NOUN
easat-7042	148	21	,	,	PUNCT
easat-7042	148	22	middle	middle	ADJ
easat-7042	148	23	managers	manager	NOUN
easat-7042	148	24	19.9	19.9	NUM
easat-7042	148	25	%	%	NOUN
easat-7042	148	26	,	,	PUNCT
easat-7042	148	27	and	and	CCONJ
easat-7042	148	28	board	board	NOUN
easat-7042	148	29	members	member	NOUN
easat-7042	148	30	15.2	15.2	NUM
easat-7042	148	31	%	%	NOUN
easat-7042	148	32	.	.	PUNCT
easat-7042	149	1	finally	finally	ADV
easat-7042	149	2	,	,	PUNCT
easat-7042	149	3	in	in	ADP
easat-7042	149	4	terms	term	NOUN
easat-7042	149	5	of	of	ADP
easat-7042	149	6	years	year	NOUN
easat-7042	149	7	of	of	ADP
easat-7042	149	8	experience	experience	NOUN
easat-7042	149	9	,	,	PUNCT
easat-7042	149	10	43.1	43.1	NUM
easat-7042	149	11	%	%	NOUN
easat-7042	149	12	had	have	VERB
easat-7042	149	13	3–10	3–10	NOUN
easat-7042	149	14	years	year	NOUN
easat-7042	149	15	,	,	PUNCT
easat-7042	149	16	35.5	35.5	NUM
easat-7042	149	17	%	%	NOUN
easat-7042	149	18	over	over	ADP
easat-7042	149	19	10	10	NUM
easat-7042	149	20	years	year	NOUN
easat-7042	149	21	,	,	PUNCT
easat-7042	149	22	and	and	CCONJ
easat-7042	149	23	21.3	21.3	NUM
easat-7042	149	24	%	%	NOUN
easat-7042	149	25	under	under	ADP
easat-7042	149	26	3	3	NUM
easat-7042	149	27	years	year	NOUN
easat-7042	149	28	.	.	PUNCT
easat-7042	150	1	3.2	3.2	NUM
easat-7042	150	2	.	.	PUNCT
easat-7042	150	3	measure	measure	NOUN
easat-7042	150	4	building	build	VERB
easat-7042	150	5	upon	upon	SCONJ
easat-7042	150	6	prior	prior	ADJ
easat-7042	150	7	research	research	NOUN
easat-7042	150	8	,	,	PUNCT
easat-7042	150	9	we	we	PRON
easat-7042	150	10	developed	develop	VERB
easat-7042	150	11	a	a	DET
easat-7042	150	12	comprehensive	comprehensive	ADJ
easat-7042	150	13	measurement	measurement	NOUN
easat-7042	150	14	scale	scale	NOUN
easat-7042	150	15	to	to	PART
easat-7042	150	16	assess	assess	VERB
easat-7042	150	17	the	the	DET
easat-7042	150	18	determinants	determinant	NOUN
easat-7042	150	19	influencing	influence	VERB
easat-7042	150	20	the	the	DET
easat-7042	150	21	financial	financial	ADJ
easat-7042	150	22	sustainability	sustainability	NOUN
easat-7042	150	23	of	of	ADP
easat-7042	150	24	pcfs	pcfs	PROPN
easat-7042	150	25	in	in	ADP
easat-7042	150	26	vietnam	vietnam	PROPN
easat-7042	150	27	.	.	PUNCT
easat-7042	151	1	following	follow	VERB
easat-7042	151	2	an	an	DET
easat-7042	151	3	extensive	extensive	ADJ
easat-7042	151	4	process	process	NOUN
easat-7042	151	5	of	of	ADP
easat-7042	151	6	data	datum	NOUN
easat-7042	151	7	collection	collection	NOUN
easat-7042	151	8	and	and	CCONJ
easat-7042	151	9	evaluation	evaluation	NOUN
easat-7042	151	10	,	,	PUNCT
easat-7042	151	11	we	we	PRON
easat-7042	151	12	finalized	finalize	VERB
easat-7042	151	13	a	a	DET
easat-7042	151	14	research	research	NOUN
easat-7042	151	15	model	model	NOUN
easat-7042	151	16	comprising	comprise	VERB
easat-7042	151	17	eight	eight	NUM
easat-7042	151	18	independent	independent	ADJ
easat-7042	151	19	variables	variable	NOUN
easat-7042	151	20	:	:	PUNCT
easat-7042	151	21	organizational	organizational	ADJ
easat-7042	151	22	capacity	capacity	NOUN
easat-7042	151	23	,	,	PUNCT
easat-7042	151	24	productivity	productivity	NOUN
easat-7042	151	25	,	,	PUNCT
easat-7042	151	26	loan	loan	NOUN
easat-7042	151	27	portfolio	portfolio	NOUN
easat-7042	151	28	management	management	NOUN
easat-7042	151	29	,	,	PUNCT
easat-7042	151	30	governance	governance	NOUN
easat-7042	151	31	quality	quality	NOUN
easat-7042	151	32	,	,	PUNCT
easat-7042	151	33	financial	financial	ADJ
easat-7042	151	34	management	management	NOUN
easat-7042	151	35	,	,	PUNCT
easat-7042	151	36	client	client	NOUN
easat-7042	151	37	outreach	outreach	NOUN
easat-7042	151	38	,	,	PUNCT
easat-7042	151	39	transparency	transparency	NOUN
easat-7042	151	40	,	,	PUNCT
easat-7042	151	41	and	and	CCONJ
easat-7042	151	42	financial	financial	ADJ
easat-7042	151	43	self	self	NOUN
easat-7042	151	44	-	-	PUNCT
easat-7042	151	45	sufficiency	sufficiency	NOUN
easat-7042	151	46	.	.	PUNCT
easat-7042	152	1	the	the	DET
easat-7042	152	2	dependent	dependent	ADJ
easat-7042	152	3	variable	variable	NOUN
easat-7042	152	4	in	in	ADP
easat-7042	152	5	this	this	DET
easat-7042	152	6	model	model	NOUN
easat-7042	152	7	is	be	AUX
easat-7042	152	8	the	the	DET
easat-7042	152	9	financial	financial	ADJ
easat-7042	152	10	sustainability	sustainability	NOUN
easat-7042	152	11	of	of	ADP
easat-7042	152	12	pcfs	pcfs	PROPN
easat-7042	152	13	.	.	PUNCT
easat-7042	153	1	to	to	PART
easat-7042	153	2	ensure	ensure	VERB
easat-7042	153	3	the	the	DET
easat-7042	153	4	clarity	clarity	NOUN
easat-7042	153	5	and	and	CCONJ
easat-7042	153	6	validity	validity	NOUN
easat-7042	153	7	of	of	ADP
easat-7042	153	8	the	the	DET
easat-7042	153	9	survey	survey	NOUN
easat-7042	153	10	instrument	instrument	NOUN
easat-7042	153	11	,	,	PUNCT
easat-7042	153	12	a	a	DET
easat-7042	153	13	pilot	pilot	NOUN
easat-7042	153	14	test	test	NOUN
easat-7042	153	15	was	be	AUX
easat-7042	153	16	conducted	conduct	VERB
easat-7042	153	17	with	with	ADP
easat-7042	153	18	approximately	approximately	ADV
easat-7042	153	19	15	15	NUM
easat-7042	153	20	professionals	professional	NOUN
easat-7042	153	21	from	from	ADP
easat-7042	153	22	diverse	diverse	ADJ
easat-7042	153	23	organizations	organization	NOUN
easat-7042	153	24	.	.	PUNCT
easat-7042	154	1	feedback	feedback	NOUN
easat-7042	154	2	obtained	obtain	VERB
easat-7042	154	3	from	from	ADP
easat-7042	154	4	this	this	DET
easat-7042	154	5	pre	pre	ADJ
easat-7042	154	6	-	-	ADJ
easat-7042	154	7	testing	testing	ADJ
easat-7042	154	8	phase	phase	NOUN
easat-7042	154	9	was	be	AUX
easat-7042	154	10	instrumental	instrumental	ADJ
easat-7042	154	11	in	in	ADP
easat-7042	154	12	refining	refine	VERB
easat-7042	154	13	the	the	DET
easat-7042	154	14	questionnaire	questionnaire	NOUN
easat-7042	154	15	to	to	PART
easat-7042	154	16	enhance	enhance	VERB
easat-7042	154	17	its	its	PRON
easat-7042	154	18	reliability	reliability	NOUN
easat-7042	154	19	and	and	CCONJ
easat-7042	154	20	relevance	relevance	NOUN
easat-7042	154	21	.	.	PUNCT
easat-7042	155	1	figure	figure	NOUN
easat-7042	155	2	1	1	NUM
easat-7042	155	3	.	.	PUNCT
easat-7042	155	4	research	research	NOUN
easat-7042	155	5	model	model	NOUN
easat-7042	155	6	.	.	PUNCT
easat-7042	156	1	the	the	DET
easat-7042	156	2	survey	survey	NOUN
easat-7042	156	3	employed	employ	VERB
easat-7042	156	4	a	a	DET
easat-7042	156	5	5	5	NUM
easat-7042	156	6	-	-	PUNCT
easat-7042	156	7	point	point	NOUN
easat-7042	156	8	likert	likert	ADJ
easat-7042	156	9	scale	scale	NOUN
easat-7042	156	10	designed	design	VERB
easat-7042	156	11	based	base	VERB
easat-7042	156	12	on	on	ADP
easat-7042	156	13	previous	previous	ADJ
easat-7042	156	14	research	research	NOUN
easat-7042	156	15	’s	’s	PART
easat-7042	156	16	scales	scale	NOUN
easat-7042	156	17	,	,	PUNCT
easat-7042	156	18	such	such	ADJ
easat-7042	156	19	as	as	ADP
easat-7042	156	20	the	the	DET
easat-7042	156	21	organizational	organizational	ADJ
easat-7042	156	22	capacity	capacity	NOUN
easat-7042	156	23	scale	scale	NOUN
easat-7042	156	24	by	by	ADP
easat-7042	156	25	judge	judge	NOUN
easat-7042	156	26	and	and	CCONJ
easat-7042	156	27	douglas	douglas	PROPN
easat-7042	157	1	[	[	X
easat-7042	157	2	29	29	NUM
easat-7042	157	3	]	]	PUNCT
easat-7042	157	4	the	the	DET
easat-7042	157	5	productivity	productivity	NOUN
easat-7042	157	6	,	,	PUNCT
easat-7042	157	7	governance	governance	NOUN
easat-7042	157	8	quality	quality	NOUN
easat-7042	157	9	,	,	PUNCT
easat-7042	157	10	financial	financial	ADJ
easat-7042	157	11	sustainability	sustainability	NOUN
easat-7042	157	12	,	,	PUNCT
easat-7042	157	13	and	and	CCONJ
easat-7042	157	14	financial	financial	ADJ
easat-7042	157	15	self	self	NOUN
easat-7042	157	16	-	-	PUNCT
easat-7042	157	17	sufficiency	sufficiency	NOUN
easat-7042	157	18	scales	scale	NOUN
easat-7042	157	19	by	by	ADP
easat-7042	157	20	beg	beg	NOUN
easat-7042	157	21	[	[	X
easat-7042	157	22	30	30	NUM
easat-7042	157	23	]	]	PUNCT
easat-7042	157	24	.	.	PUNCT
easat-7042	158	1	the	the	DET
easat-7042	158	2	scale	scale	NOUN
easat-7042	158	3	has	have	VERB
easat-7042	158	4	5	5	NUM
easat-7042	158	5	options	option	NOUN
easat-7042	158	6	on	on	ADP
easat-7042	158	7	a	a	DET
easat-7042	158	8	likert	likert	ADJ
easat-7042	158	9	scale	scale	NOUN
easat-7042	158	10	:	:	PUNCT
easat-7042	158	11	1	1	X
easat-7042	158	12	.	.	X
easat-7042	158	13	strongly	strongly	ADV
easat-7042	158	14	disagree	disagree	VERB
easat-7042	158	15	;	;	PUNCT
easat-7042	158	16	2	2	X
easat-7042	158	17	.	.	X
easat-7042	158	18	disagree	disagree	VERB
easat-7042	158	19	;	;	PUNCT
easat-7042	158	20	3	3	X
easat-7042	158	21	.	.	X
easat-7042	158	22	neutral	neutral	ADJ
easat-7042	158	23	;	;	PUNCT
easat-7042	158	24	4	4	X
easat-7042	158	25	.	.	X
easat-7042	158	26	agree	agree	VERB
easat-7042	158	27	;	;	PUNCT
easat-7042	158	28	and	and	CCONJ
easat-7042	158	29	5	5	X
easat-7042	158	30	.	.	PUNCT
easat-7042	158	31	strongly	strongly	ADV
easat-7042	158	32	agree	agree	VERB
easat-7042	158	33	.	.	PUNCT
easat-7042	159	1	participants	participant	NOUN
easat-7042	159	2	will	will	AUX
easat-7042	159	3	select	select	VERB
easat-7042	159	4	the	the	DET
easat-7042	159	5	answer	answer	NOUN
easat-7042	159	6	most	most	ADV
easat-7042	159	7	suitable	suitable	ADJ
easat-7042	159	8	for	for	ADP
easat-7042	159	9	them	they	PRON
easat-7042	159	10	.	.	PUNCT
easat-7042	160	1	the	the	DET
easat-7042	160	2	purpose	purpose	NOUN
easat-7042	160	3	of	of	ADP
easat-7042	160	4	the	the	DET
easat-7042	160	5	survey	survey	NOUN
easat-7042	160	6	is	be	AUX
easat-7042	160	7	to	to	PART
easat-7042	160	8	assess	assess	VERB
easat-7042	160	9	the	the	DET
easat-7042	160	10	impact	impact	NOUN
easat-7042	160	11	of	of	ADP
easat-7042	160	12	organizational	organizational	ADJ
easat-7042	160	13	capacity	capacity	NOUN
easat-7042	160	14	,	,	PUNCT
easat-7042	160	15	productivity	productivity	NOUN
easat-7042	160	16	,	,	PUNCT
easat-7042	160	17	governance	governance	NOUN
easat-7042	160	18	quality	quality	NOUN
easat-7042	160	19	,	,	PUNCT
easat-7042	160	20	financial	financial	ADJ
easat-7042	160	21	management	management	NOUN
easat-7042	160	22	,	,	PUNCT
easat-7042	160	23	and	and	CCONJ
easat-7042	160	24	financial	financial	ADJ
easat-7042	160	25	selfsufficiency	selfsufficiency	NOUN
easat-7042	160	26	on	on	ADP
easat-7042	160	27	the	the	DET
easat-7042	160	28	financial	financial	ADJ
easat-7042	160	29	sustainability	sustainability	NOUN
easat-7042	160	30	of	of	ADP
easat-7042	160	31	people	people	NOUN
easat-7042	160	32	's	's	PART
easat-7042	160	33	credit	credit	NOUN
easat-7042	160	34	in	in	ADP
easat-7042	160	35	vietnam	vietnam	PROPN
easat-7042	160	36	.	.	PUNCT
easat-7042	161	1	to	to	PART
easat-7042	161	2	collect	collect	VERB
easat-7042	161	3	data	datum	NOUN
easat-7042	161	4	,	,	PUNCT
easat-7042	161	5	we	we	PRON
easat-7042	161	6	conducted	conduct	VERB
easat-7042	161	7	an	an	DET
easat-7042	161	8	online	online	ADJ
easat-7042	161	9	survey	survey	NOUN
easat-7042	161	10	using	use	VERB
easat-7042	161	11	google	google	PROPN
easat-7042	161	12	forms	form	NOUN
easat-7042	161	13	.	.	PUNCT
easat-7042	162	1	the	the	DET
easat-7042	162	2	survey	survey	NOUN
easat-7042	162	3	interface	interface	NOUN
easat-7042	162	4	was	be	AUX
easat-7042	162	5	designed	design	VERB
easat-7042	162	6	to	to	PART
easat-7042	162	7	be	be	AUX
easat-7042	162	8	user	user	NOUN
easat-7042	162	9	-	-	PUNCT
easat-7042	162	10	friendly	friendly	ADJ
easat-7042	162	11	and	and	CCONJ
easat-7042	162	12	accessible	accessible	ADJ
easat-7042	162	13	to	to	ADP
easat-7042	162	14	vietnamese	vietnamese	ADJ
easat-7042	162	15	respondents	respondent	NOUN
easat-7042	162	16	.	.	PUNCT
easat-7042	163	1	additionally	additionally	ADV
easat-7042	163	2	,	,	PUNCT
easat-7042	163	3	we	we	PRON
easat-7042	163	4	included	include	VERB
easat-7042	163	5	usage	usage	NOUN
easat-7042	163	6	instructions	instruction	NOUN
easat-7042	163	7	on	on	ADP
easat-7042	163	8	the	the	DET
easat-7042	163	9	first	first	ADJ
easat-7042	163	10	page	page	NOUN
easat-7042	163	11	of	of	ADP
easat-7042	163	12	the	the	DET
easat-7042	163	13	survey	survey	NOUN
easat-7042	163	14	to	to	PART
easat-7042	163	15	ensure	ensure	VERB
easat-7042	163	16	clarity	clarity	NOUN
easat-7042	163	17	.	.	PUNCT
easat-7042	164	1	after	after	ADP
easat-7042	164	2	a	a	DET
easat-7042	164	3	pilot	pilot	NOUN
easat-7042	164	4	test	test	NOUN
easat-7042	164	5	with	with	ADP
easat-7042	164	6	15	15	NUM
easat-7042	164	7	individuals	individual	NOUN
easat-7042	164	8	,	,	PUNCT
easat-7042	164	9	we	we	PRON
easat-7042	164	10	collected	collect	VERB
easat-7042	164	11	feedback	feedback	NOUN
easat-7042	164	12	to	to	PART
easat-7042	164	13	refine	refine	VERB
easat-7042	164	14	the	the	DET
easat-7042	164	15	survey	survey	NOUN
easat-7042	164	16	and	and	CCONJ
easat-7042	164	17	distributed	distribute	VERB
easat-7042	164	18	it	it	PRON
easat-7042	164	19	to	to	ADP
easat-7042	164	20	staff	staff	NOUN
easat-7042	164	21	in	in	ADP
easat-7042	164	22	companies	company	NOUN
easat-7042	164	23	,	,	PUNCT
easat-7042	164	24	requesting	request	VERB
easat-7042	164	25	that	that	SCONJ
easat-7042	164	26	employees	employee	NOUN
easat-7042	164	27	share	share	VERB
easat-7042	164	28	it	it	PRON
easat-7042	164	29	among	among	ADP
easat-7042	164	30	themselves	themselves	PRON
easat-7042	164	31	to	to	PART
easat-7042	164	32	collect	collect	VERB
easat-7042	164	33	data	datum	NOUN
easat-7042	164	34	on	on	ADP
easat-7042	164	35	a	a	DET
easat-7042	164	36	larger	large	ADJ
easat-7042	164	37	scale	scale	NOUN
easat-7042	164	38	.	.	PUNCT
easat-7042	165	1	after	after	ADP
easat-7042	165	2	the	the	DET
easat-7042	165	3	data	data	NOUN
easat-7042	165	4	collection	collection	NOUN
easat-7042	165	5	process	process	NOUN
easat-7042	165	6	,	,	PUNCT
easat-7042	165	7	we	we	PRON
easat-7042	165	8	proceeded	proceed	VERB
easat-7042	165	9	with	with	ADP
easat-7042	165	10	data	datum	NOUN
easat-7042	165	11	cleaning	cleaning	NOUN
easat-7042	165	12	.	.	PUNCT
easat-7042	166	1	first	first	ADV
easat-7042	166	2	,	,	PUNCT
easat-7042	166	3	responses	response	NOUN
easat-7042	166	4	that	that	PRON
easat-7042	166	5	did	do	AUX
easat-7042	166	6	not	not	PART
easat-7042	166	7	meet	meet	VERB
easat-7042	166	8	the	the	DET
easat-7042	166	9	participation	participation	NOUN
easat-7042	166	10	criteria	criterion	NOUN
easat-7042	166	11	were	be	AUX
easat-7042	166	12	excluded	exclude	VERB
easat-7042	166	13	,	,	PUNCT
easat-7042	166	14	and	and	CCONJ
easat-7042	166	15	we	we	PRON
easat-7042	166	16	received	receive	VERB
easat-7042	166	17	211	211	NUM
easat-7042	166	18	valid	valid	ADJ
easat-7042	166	19	questionaires	questionaire	NOUN
easat-7042	166	20	.	.	PUNCT
easat-7042	167	1	936	936	NUM
easat-7042	167	2	edelweiss	edelweiss	PROPN
easat-7042	167	3	applied	apply	VERB
easat-7042	167	4	science	science	NOUN
easat-7042	167	5	and	and	CCONJ
easat-7042	167	6	technology	technology	NOUN
easat-7042	167	7	issn	issn	PROPN
easat-7042	167	8	:	:	PUNCT
easat-7042	167	9	2576	2576	NUM
easat-7042	167	10	-	-	SYM
easat-7042	167	11	8484	8484	NUM
easat-7042	167	12	vol	vol	NOUN
easat-7042	167	13	.	.	PROPN
easat-7042	168	1	9	9	NUM
easat-7042	168	2	,	,	PUNCT
easat-7042	168	3	no	no	INTJ
easat-7042	168	4	.	.	NOUN
easat-7042	168	5	5	5	NUM
easat-7042	168	6	:	:	SYM
easat-7042	168	7	930	930	NUM
easat-7042	168	8	-	-	SYM
easat-7042	168	9	946	946	NUM
easat-7042	168	10	,	,	PUNCT
easat-7042	168	11	2025	2025	NUM
easat-7042	168	12	doi	doi	NOUN
easat-7042	168	13	:	:	PUNCT
easat-7042	168	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	168	15	©	©	PROPN
easat-7042	168	16	2025	2025	NUM
easat-7042	168	17	by	by	ADP
easat-7042	168	18	the	the	DET
easat-7042	168	19	authors	author	NOUN
easat-7042	168	20	;	;	PUNCT
easat-7042	168	21	licensee	licensee	PROPN
easat-7042	168	22	learning	learning	NOUN
easat-7042	168	23	gate	gate	NOUN
easat-7042	168	24	next	next	ADV
easat-7042	168	25	,	,	PUNCT
easat-7042	168	26	we	we	PRON
easat-7042	168	27	eliminated	eliminate	VERB
easat-7042	168	28	outliers	outlier	NOUN
easat-7042	168	29	,	,	PUNCT
easat-7042	168	30	including	include	VERB
easat-7042	168	31	responses	response	NOUN
easat-7042	168	32	that	that	PRON
easat-7042	168	33	selected	select	VERB
easat-7042	168	34	only	only	ADV
easat-7042	168	35	one	one	NUM
easat-7042	168	36	answer	answer	NOUN
easat-7042	168	37	or	or	CCONJ
easat-7042	168	38	exhibited	exhibit	VERB
easat-7042	168	39	unusual	unusual	ADJ
easat-7042	168	40	patterns	pattern	NOUN
easat-7042	168	41	.	.	PUNCT
easat-7042	169	1	finally	finally	ADV
easat-7042	169	2	,	,	PUNCT
easat-7042	169	3	the	the	DET
easat-7042	169	4	valid	valid	ADJ
easat-7042	169	5	data	datum	NOUN
easat-7042	169	6	was	be	AUX
easat-7042	169	7	coded	code	VERB
easat-7042	169	8	and	and	CCONJ
easat-7042	169	9	entered	enter	VERB
easat-7042	169	10	into	into	ADP
easat-7042	169	11	spss	spss	PROPN
easat-7042	169	12	for	for	ADP
easat-7042	169	13	multiple	multiple	ADJ
easat-7042	169	14	linear	linear	ADJ
easat-7042	169	15	regression	regression	NOUN
easat-7042	169	16	analysis	analysis	NOUN
easat-7042	169	17	to	to	PART
easat-7042	169	18	test	test	VERB
easat-7042	169	19	the	the	DET
easat-7042	169	20	research	research	NOUN
easat-7042	169	21	hypotheses	hypothesis	NOUN
easat-7042	169	22	.	.	PUNCT
easat-7042	170	1	3.3	3.3	NUM
easat-7042	170	2	.	.	PUNCT
easat-7042	171	1	data	datum	NOUN
easat-7042	171	2	analysis	analysis	NOUN
easat-7042	171	3	the	the	DET
easat-7042	171	4	data	datum	NOUN
easat-7042	171	5	after	after	ADP
easat-7042	171	6	being	be	AUX
easat-7042	171	7	collected	collect	VERB
easat-7042	171	8	from	from	ADP
easat-7042	171	9	the	the	DET
easat-7042	171	10	online	online	ADJ
easat-7042	171	11	survey	survey	NOUN
easat-7042	171	12	,	,	PUNCT
easat-7042	171	13	will	will	AUX
easat-7042	171	14	be	be	AUX
easat-7042	171	15	further	far	ADV
easat-7042	171	16	processed	process	VERB
easat-7042	171	17	in	in	ADP
easat-7042	171	18	spss	spss	PROPN
easat-7042	171	19	software	software	NOUN
easat-7042	171	20	for	for	ADP
easat-7042	171	21	analysis	analysis	NOUN
easat-7042	171	22	.	.	PUNCT
easat-7042	172	1	from	from	ADP
easat-7042	172	2	there	there	ADV
easat-7042	172	3	,	,	PUNCT
easat-7042	172	4	we	we	PRON
easat-7042	172	5	will	will	AUX
easat-7042	172	6	assess	assess	VERB
easat-7042	172	7	the	the	DET
easat-7042	172	8	impact	impact	NOUN
easat-7042	172	9	of	of	ADP
easat-7042	172	10	factors	factor	NOUN
easat-7042	172	11	such	such	ADJ
easat-7042	172	12	as	as	ADP
easat-7042	172	13	organizational	organizational	ADJ
easat-7042	172	14	capacity	capacity	NOUN
easat-7042	172	15	,	,	PUNCT
easat-7042	172	16	productivity	productivity	NOUN
easat-7042	172	17	,	,	PUNCT
easat-7042	172	18	loan	loan	NOUN
easat-7042	172	19	portfolio	portfolio	NOUN
easat-7042	172	20	management	management	NOUN
easat-7042	172	21	,	,	PUNCT
easat-7042	172	22	governance	governance	NOUN
easat-7042	172	23	quality	quality	NOUN
easat-7042	172	24	,	,	PUNCT
easat-7042	172	25	financial	financial	ADJ
easat-7042	172	26	management	management	NOUN
easat-7042	172	27	,	,	PUNCT
easat-7042	172	28	client	client	NOUN
easat-7042	172	29	outreach	outreach	NOUN
easat-7042	172	30	,	,	PUNCT
easat-7042	172	31	transparency	transparency	NOUN
easat-7042	172	32	,	,	PUNCT
easat-7042	172	33	and	and	CCONJ
easat-7042	172	34	financial	financial	ADJ
easat-7042	172	35	self	self	NOUN
easat-7042	172	36	-	-	PUNCT
easat-7042	172	37	sufficiency	sufficiency	NOUN
easat-7042	172	38	on	on	ADP
easat-7042	172	39	the	the	DET
easat-7042	172	40	financial	financial	ADJ
easat-7042	172	41	sustainability	sustainability	NOUN
easat-7042	172	42	of	of	ADP
easat-7042	172	43	pcfs	pcfs	PROPN
easat-7042	172	44	in	in	ADP
easat-7042	172	45	vietnam	vietnam	PROPN
easat-7042	172	46	.	.	PUNCT
easat-7042	173	1	the	the	DET
easat-7042	173	2	analysis	analysis	NOUN
easat-7042	173	3	process	process	NOUN
easat-7042	173	4	includes	include	VERB
easat-7042	173	5	:	:	PUNCT
easat-7042	173	6	descriptive	descriptive	ADJ
easat-7042	173	7	statistics	statistic	NOUN
easat-7042	173	8	to	to	PART
easat-7042	173	9	determine	determine	VERB
easat-7042	173	10	the	the	DET
easat-7042	173	11	characteristics	characteristic	NOUN
easat-7042	173	12	of	of	ADP
easat-7042	173	13	the	the	DET
easat-7042	173	14	sample	sample	NOUN
easat-7042	173	15	,	,	PUNCT
easat-7042	173	16	cronbach	cronbach	PROPN
easat-7042	173	17	's	's	PART
easat-7042	173	18	alpha	alpha	ADJ
easat-7042	173	19	coefficient	coefficient	NOUN
easat-7042	173	20	analysis	analysis	NOUN
easat-7042	173	21	to	to	PART
easat-7042	173	22	determine	determine	VERB
easat-7042	173	23	the	the	DET
easat-7042	173	24	consistency	consistency	NOUN
easat-7042	173	25	of	of	ADP
easat-7042	173	26	observed	observed	ADJ
easat-7042	173	27	variables	variable	NOUN
easat-7042	173	28	within	within	ADP
easat-7042	173	29	a	a	DET
easat-7042	173	30	factor	factor	NOUN
easat-7042	173	31	,	,	PUNCT
easat-7042	173	32	and	and	CCONJ
easat-7042	173	33	efa	efa	PROPN
easat-7042	173	34	to	to	PART
easat-7042	173	35	test	test	VERB
easat-7042	173	36	the	the	DET
easat-7042	173	37	reliability	reliability	NOUN
easat-7042	173	38	and	and	CCONJ
easat-7042	173	39	validity	validity	NOUN
easat-7042	173	40	of	of	ADP
easat-7042	173	41	the	the	DET
easat-7042	173	42	scale	scale	NOUN
easat-7042	173	43	.	.	PUNCT
easat-7042	174	1	next	next	ADJ
easat-7042	174	2	,	,	PUNCT
easat-7042	174	3	pearson	pearson	PROPN
easat-7042	174	4	correlation	correlation	NOUN
easat-7042	174	5	analysis	analysis	NOUN
easat-7042	174	6	will	will	AUX
easat-7042	174	7	be	be	AUX
easat-7042	174	8	conducted	conduct	VERB
easat-7042	174	9	to	to	PART
easat-7042	174	10	examine	examine	VERB
easat-7042	174	11	the	the	DET
easat-7042	174	12	correlation	correlation	NOUN
easat-7042	174	13	between	between	ADP
easat-7042	174	14	independent	independent	ADJ
easat-7042	174	15	and	and	CCONJ
easat-7042	174	16	dependent	dependent	ADJ
easat-7042	174	17	variables	variable	NOUN
easat-7042	174	18	.	.	PUNCT
easat-7042	175	1	finally	finally	ADV
easat-7042	175	2	,	,	PUNCT
easat-7042	175	3	regression	regression	VERB
easat-7042	175	4	analysis	analysis	NOUN
easat-7042	175	5	will	will	AUX
easat-7042	175	6	be	be	AUX
easat-7042	175	7	used	use	VERB
easat-7042	175	8	to	to	PART
easat-7042	175	9	evaluate	evaluate	VERB
easat-7042	175	10	the	the	DET
easat-7042	175	11	relationship	relationship	NOUN
easat-7042	175	12	between	between	ADP
easat-7042	175	13	variables	variable	NOUN
easat-7042	175	14	.	.	PUNCT
easat-7042	176	1	based	base	VERB
easat-7042	176	2	on	on	ADP
easat-7042	176	3	the	the	DET
easat-7042	176	4	results	result	NOUN
easat-7042	176	5	from	from	ADP
easat-7042	176	6	spss	spss	PROPN
easat-7042	176	7	,	,	PUNCT
easat-7042	176	8	we	we	PRON
easat-7042	176	9	will	will	AUX
easat-7042	176	10	draw	draw	VERB
easat-7042	176	11	conclusions	conclusion	NOUN
easat-7042	176	12	and	and	CCONJ
easat-7042	176	13	implications	implication	NOUN
easat-7042	176	14	for	for	ADP
easat-7042	176	15	the	the	DET
easat-7042	176	16	research	research	NOUN
easat-7042	176	17	.	.	PUNCT
easat-7042	177	1	4	4	X
easat-7042	177	2	.	.	X
easat-7042	177	3	results	result	VERB
easat-7042	177	4	4.1	4.1	NUM
easat-7042	177	5	.	.	PUNCT
easat-7042	177	6	measurement	measurement	NOUN
easat-7042	177	7	model	model	NOUN
easat-7042	177	8	table	table	NOUN
easat-7042	177	9	1	1	NUM
easat-7042	177	10	presents	present	VERB
easat-7042	177	11	the	the	DET
easat-7042	177	12	descriptive	descriptive	ADJ
easat-7042	177	13	statistics	statistic	NOUN
easat-7042	177	14	for	for	ADP
easat-7042	177	15	the	the	DET
easat-7042	177	16	nine	nine	NUM
easat-7042	177	17	key	key	ADJ
easat-7042	177	18	variables	variable	NOUN
easat-7042	177	19	across	across	ADP
easat-7042	177	20	a	a	DET
easat-7042	177	21	sample	sample	NOUN
easat-7042	177	22	of	of	ADP
easat-7042	177	23	211	211	NUM
easat-7042	177	24	observations	observation	NOUN
easat-7042	177	25	.	.	PUNCT
easat-7042	178	1	•	•	NUM
easat-7042	178	2	organizational	organizational	ADJ
easat-7042	178	3	capacity	capacity	NOUN
easat-7042	178	4	(	(	PUNCT
easat-7042	178	5	nl	nl	NOUN
easat-7042	178	6	):	):	PUNCT
easat-7042	178	7	the	the	DET
easat-7042	178	8	variable	variable	NOUN
easat-7042	178	9	has	have	VERB
easat-7042	178	10	a	a	DET
easat-7042	178	11	mean	mean	ADJ
easat-7042	178	12	score	score	NOUN
easat-7042	178	13	of	of	ADP
easat-7042	178	14	3.9633	3.9633	NUM
easat-7042	178	15	and	and	CCONJ
easat-7042	178	16	a	a	DET
easat-7042	178	17	standard	standard	ADJ
easat-7042	178	18	deviation	deviation	NOUN
easat-7042	178	19	of	of	ADP
easat-7042	178	20	0.78931	0.78931	NUM
easat-7042	178	21	,	,	PUNCT
easat-7042	178	22	with	with	ADP
easat-7042	178	23	a	a	DET
easat-7042	178	24	minimum	minimum	ADJ
easat-7042	178	25	value	value	NOUN
easat-7042	178	26	of	of	ADP
easat-7042	178	27	1	1	NUM
easat-7042	178	28	and	and	CCONJ
easat-7042	178	29	a	a	DET
easat-7042	178	30	maximum	maximum	NOUN
easat-7042	178	31	of	of	ADP
easat-7042	178	32	5	5	NUM
easat-7042	178	33	.	.	PUNCT
easat-7042	179	1	this	this	PRON
easat-7042	179	2	indicates	indicate	VERB
easat-7042	179	3	a	a	DET
easat-7042	179	4	relatively	relatively	ADV
easat-7042	179	5	high	high	ADJ
easat-7042	179	6	perceived	perceive	VERB
easat-7042	179	7	organizational	organizational	ADJ
easat-7042	179	8	capacity	capacity	NOUN
easat-7042	179	9	,	,	PUNCT
easat-7042	179	10	close	close	ADJ
easat-7042	179	11	to	to	ADP
easat-7042	179	12	4	4	NUM
easat-7042	179	13	out	out	ADP
easat-7042	179	14	of	of	ADP
easat-7042	179	15	5	5	NUM
easat-7042	179	16	.	.	NOUN
easat-7042	179	17	•	•	NUM
easat-7042	179	18	productivity	productivity	NOUN
easat-7042	179	19	(	(	PUNCT
easat-7042	179	20	hq	hq	INTJ
easat-7042	179	21	):	):	PUNCT
easat-7042	179	22	the	the	DET
easat-7042	179	23	mean	mean	ADJ
easat-7042	179	24	value	value	NOUN
easat-7042	179	25	is	be	AUX
easat-7042	179	26	3.8863	3.8863	NUM
easat-7042	179	27	with	with	ADP
easat-7042	179	28	a	a	DET
easat-7042	179	29	standard	standard	ADJ
easat-7042	179	30	deviation	deviation	NOUN
easat-7042	179	31	of	of	ADP
easat-7042	179	32	0.81493	0.81493	NUM
easat-7042	179	33	,	,	PUNCT
easat-7042	179	34	ranging	range	VERB
easat-7042	179	35	from	from	ADP
easat-7042	179	36	1	1	NUM
easat-7042	179	37	to	to	ADP
easat-7042	179	38	5	5	NUM
easat-7042	179	39	,	,	PUNCT
easat-7042	179	40	suggesting	suggest	VERB
easat-7042	179	41	moderate	moderate	ADJ
easat-7042	179	42	variability	variability	NOUN
easat-7042	179	43	in	in	ADP
easat-7042	179	44	the	the	DET
easat-7042	179	45	perceived	perceive	VERB
easat-7042	179	46	level	level	NOUN
easat-7042	179	47	of	of	ADP
easat-7042	179	48	productivity	productivity	NOUN
easat-7042	179	49	.	.	PUNCT
easat-7042	180	1	•	•	NUM
easat-7042	180	2	loan	loan	NOUN
easat-7042	180	3	portfolio	portfolio	NOUN
easat-7042	180	4	management	management	NOUN
easat-7042	180	5	(	(	PUNCT
easat-7042	180	6	ql	ql	PROPN
easat-7042	180	7	):	):	PUNCT
easat-7042	180	8	this	this	DET
easat-7042	180	9	variable	variable	NOUN
easat-7042	180	10	recorded	record	VERB
easat-7042	180	11	the	the	DET
easat-7042	180	12	highest	high	ADJ
easat-7042	180	13	mean	mean	NOUN
easat-7042	180	14	among	among	ADP
easat-7042	180	15	the	the	DET
easat-7042	180	16	managerial	managerial	ADJ
easat-7042	180	17	constructs	construct	NOUN
easat-7042	180	18	(	(	PUNCT
easat-7042	180	19	4.0296	4.0296	NUM
easat-7042	180	20	)	)	PUNCT
easat-7042	180	21	,	,	PUNCT
easat-7042	180	22	with	with	ADP
easat-7042	180	23	a	a	DET
easat-7042	180	24	standard	standard	ADJ
easat-7042	180	25	deviation	deviation	NOUN
easat-7042	180	26	of	of	ADP
easat-7042	180	27	0.80060	0.80060	NUM
easat-7042	180	28	.	.	PUNCT
easat-7042	181	1	values	value	NOUN
easat-7042	181	2	ranged	range	VERB
easat-7042	181	3	from	from	ADP
easat-7042	181	4	1.25	1.25	NUM
easat-7042	181	5	to	to	ADP
easat-7042	181	6	5	5	NUM
easat-7042	181	7	.	.	NOUN
easat-7042	182	1	•	•	NUM
easat-7042	182	2	quality	quality	NOUN
easat-7042	182	3	management	management	NOUN
easat-7042	182	4	(	(	PUNCT
easat-7042	182	5	cl	cl	NOUN
easat-7042	182	6	):	):	PUNCT
easat-7042	182	7	the	the	DET
easat-7042	182	8	average	average	ADJ
easat-7042	182	9	score	score	NOUN
easat-7042	182	10	is	be	AUX
easat-7042	182	11	3.9125	3.9125	NUM
easat-7042	182	12	with	with	ADP
easat-7042	182	13	a	a	DET
easat-7042	182	14	standard	standard	ADJ
easat-7042	182	15	deviation	deviation	NOUN
easat-7042	182	16	of	of	ADP
easat-7042	182	17	0.75041	0.75041	NUM
easat-7042	182	18	,	,	PUNCT
easat-7042	182	19	within	within	ADP
easat-7042	182	20	the	the	DET
easat-7042	182	21	range	range	NOUN
easat-7042	182	22	of	of	ADP
easat-7042	182	23	1.25	1.25	NUM
easat-7042	182	24	to	to	ADP
easat-7042	182	25	5	5	NUM
easat-7042	182	26	.	.	NOUN
easat-7042	182	27	•	•	NUM
easat-7042	182	28	financial	financial	ADJ
easat-7042	182	29	management	management	NOUN
easat-7042	182	30	(	(	PUNCT
easat-7042	182	31	qttc	qttc	PROPN
easat-7042	182	32	):	):	PUNCT
easat-7042	182	33	reported	report	VERB
easat-7042	182	34	a	a	DET
easat-7042	182	35	mean	mean	NOUN
easat-7042	182	36	of	of	ADP
easat-7042	182	37	3.9088	3.9088	NUM
easat-7042	182	38	and	and	CCONJ
easat-7042	182	39	a	a	DET
easat-7042	182	40	standard	standard	ADJ
easat-7042	182	41	deviation	deviation	NOUN
easat-7042	182	42	of	of	ADP
easat-7042	182	43	0.78998	0.78998	NUM
easat-7042	182	44	,	,	PUNCT
easat-7042	182	45	ranging	range	VERB
easat-7042	182	46	from	from	ADP
easat-7042	182	47	1	1	NUM
easat-7042	182	48	to	to	PART
easat-7042	182	49	5	5	NUM
easat-7042	182	50	.	.	NOUN
easat-7042	182	51	•	•	NUM
easat-7042	182	52	customer	customer	NOUN
easat-7042	182	53	access	access	NOUN
easat-7042	182	54	(	(	PUNCT
easat-7042	182	55	tch	tch	NOUN
easat-7042	182	56	):	):	PUNCT
easat-7042	182	57	this	this	DET
easat-7042	182	58	construct	construct	NOUN
easat-7042	182	59	achieved	achieve	VERB
easat-7042	182	60	the	the	DET
easat-7042	182	61	highest	high	ADJ
easat-7042	182	62	overall	overall	ADJ
easat-7042	182	63	mean	mean	NOUN
easat-7042	182	64	(	(	PUNCT
easat-7042	182	65	4.0877	4.0877	NUM
easat-7042	182	66	)	)	PUNCT
easat-7042	182	67	with	with	ADP
easat-7042	182	68	a	a	DET
easat-7042	182	69	standard	standard	ADJ
easat-7042	182	70	deviation	deviation	NOUN
easat-7042	182	71	of	of	ADP
easat-7042	182	72	0.81249	0.81249	NUM
easat-7042	182	73	,	,	PUNCT
easat-7042	182	74	indicating	indicate	VERB
easat-7042	182	75	strong	strong	ADJ
easat-7042	182	76	performance	performance	NOUN
easat-7042	182	77	in	in	ADP
easat-7042	182	78	accessibility	accessibility	NOUN
easat-7042	182	79	.	.	PUNCT
easat-7042	183	1	•	•	NUM
easat-7042	183	2	transparency	transparency	NOUN
easat-7042	183	3	(	(	PUNCT
easat-7042	183	4	mb	mb	NOUN
easat-7042	183	5	):	):	PUNCT
easat-7042	183	6	the	the	DET
easat-7042	183	7	mean	mean	ADJ
easat-7042	183	8	value	value	NOUN
easat-7042	183	9	is	be	AUX
easat-7042	183	10	4.0166	4.0166	NUM
easat-7042	183	11	,	,	PUNCT
easat-7042	183	12	with	with	ADP
easat-7042	183	13	a	a	DET
easat-7042	183	14	standard	standard	ADJ
easat-7042	183	15	deviation	deviation	NOUN
easat-7042	183	16	of	of	ADP
easat-7042	183	17	0.75245	0.75245	NUM
easat-7042	183	18	,	,	PUNCT
easat-7042	183	19	suggesting	suggest	VERB
easat-7042	183	20	consistent	consistent	ADJ
easat-7042	183	21	perceptions	perception	NOUN
easat-7042	183	22	of	of	ADP
easat-7042	183	23	transparency	transparency	NOUN
easat-7042	183	24	across	across	ADP
easat-7042	183	25	respondents	respondent	NOUN
easat-7042	183	26	.	.	PUNCT
easat-7042	184	1	•	•	NUM
easat-7042	184	2	financial	financial	ADJ
easat-7042	184	3	autonomy	autonomy	NOUN
easat-7042	184	4	(	(	PUNCT
easat-7042	184	5	tctc	tctc	NOUN
easat-7042	184	6	):	):	PUNCT
easat-7042	184	7	this	this	DET
easat-7042	184	8	variable	variable	NOUN
easat-7042	184	9	has	have	VERB
easat-7042	184	10	the	the	DET
easat-7042	184	11	lowest	low	ADJ
easat-7042	184	12	mean	mean	ADJ
easat-7042	184	13	score	score	NOUN
easat-7042	184	14	among	among	ADP
easat-7042	184	15	all	all	DET
easat-7042	184	16	variables	variable	NOUN
easat-7042	184	17	(	(	PUNCT
easat-7042	184	18	3.8780	3.8780	NUM
easat-7042	184	19	)	)	PUNCT
easat-7042	184	20	,	,	PUNCT
easat-7042	184	21	with	with	ADP
easat-7042	184	22	a	a	DET
easat-7042	184	23	standard	standard	ADJ
easat-7042	184	24	deviation	deviation	NOUN
easat-7042	184	25	of	of	ADP
easat-7042	184	26	0.81371	0.81371	NUM
easat-7042	184	27	.	.	PUNCT
easat-7042	185	1	•	•	NUM
easat-7042	185	2	financial	financial	ADJ
easat-7042	185	3	sustainability	sustainability	NOUN
easat-7042	185	4	of	of	ADP
easat-7042	185	5	people	people	NOUN
easat-7042	185	6	's	's	PART
easat-7042	185	7	credit	credit	NOUN
easat-7042	185	8	funds	fund	NOUN
easat-7042	185	9	(	(	PUNCT
easat-7042	185	10	tbv	tbv	PROPN
easat-7042	185	11	):	):	PUNCT
easat-7042	185	12	the	the	DET
easat-7042	185	13	mean	mean	ADJ
easat-7042	185	14	value	value	NOUN
easat-7042	185	15	is	be	AUX
easat-7042	185	16	4.0257	4.0257	NUM
easat-7042	185	17	,	,	PUNCT
easat-7042	185	18	with	with	ADP
easat-7042	185	19	a	a	DET
easat-7042	185	20	standard	standard	ADJ
easat-7042	185	21	deviation	deviation	NOUN
easat-7042	185	22	of	of	ADP
easat-7042	185	23	0.73730	0.73730	NUM
easat-7042	185	24	.	.	PUNCT
easat-7042	186	1	overall	overall	ADV
easat-7042	186	2	,	,	PUNCT
easat-7042	186	3	the	the	DET
easat-7042	186	4	mean	mean	ADJ
easat-7042	186	5	values	value	NOUN
easat-7042	186	6	for	for	ADP
easat-7042	186	7	all	all	DET
easat-7042	186	8	constructs	construct	NOUN
easat-7042	186	9	exceed	exceed	VERB
easat-7042	186	10	3.8	3.8	NUM
easat-7042	186	11	,	,	PUNCT
easat-7042	186	12	reflecting	reflect	VERB
easat-7042	186	13	positive	positive	ADJ
easat-7042	186	14	evaluations	evaluation	NOUN
easat-7042	186	15	across	across	ADP
easat-7042	186	16	the	the	DET
easat-7042	186	17	measured	measure	VERB
easat-7042	186	18	dimensions	dimension	NOUN
easat-7042	186	19	.	.	PUNCT
easat-7042	187	1	"	"	PUNCT
easat-7042	187	2	customer	customer	NOUN
easat-7042	187	3	access	access	NOUN
easat-7042	187	4	"	"	PUNCT
easat-7042	187	5	received	receive	VERB
easat-7042	187	6	the	the	DET
easat-7042	187	7	highest	high	ADJ
easat-7042	187	8	mean	mean	ADJ
easat-7042	187	9	rating	rating	NOUN
easat-7042	187	10	,	,	PUNCT
easat-7042	187	11	whereas	whereas	SCONJ
easat-7042	187	12	"	"	PUNCT
easat-7042	187	13	financial	financial	ADJ
easat-7042	187	14	autonomy	autonomy	NOUN
easat-7042	187	15	"	"	PUNCT
easat-7042	187	16	was	be	AUX
easat-7042	187	17	rated	rate	VERB
easat-7042	187	18	lowest	low	ADJ
easat-7042	187	19	.	.	PUNCT
easat-7042	188	1	937	937	NUM
easat-7042	188	2	edelweiss	edelweiss	PROPN
easat-7042	188	3	applied	apply	VERB
easat-7042	188	4	science	science	NOUN
easat-7042	188	5	and	and	CCONJ
easat-7042	188	6	technology	technology	NOUN
easat-7042	188	7	issn	issn	PROPN
easat-7042	188	8	:	:	PUNCT
easat-7042	188	9	2576	2576	NUM
easat-7042	188	10	-	-	SYM
easat-7042	188	11	8484	8484	NUM
easat-7042	188	12	vol	vol	NOUN
easat-7042	188	13	.	.	PROPN
easat-7042	189	1	9	9	NUM
easat-7042	189	2	,	,	PUNCT
easat-7042	189	3	no	no	INTJ
easat-7042	189	4	.	.	NOUN
easat-7042	189	5	5	5	NUM
easat-7042	189	6	:	:	SYM
easat-7042	189	7	930	930	NUM
easat-7042	189	8	-	-	SYM
easat-7042	189	9	946	946	NUM
easat-7042	189	10	,	,	PUNCT
easat-7042	189	11	2025	2025	NUM
easat-7042	189	12	doi	doi	NOUN
easat-7042	189	13	:	:	PUNCT
easat-7042	189	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	189	15	©	©	PROPN
easat-7042	189	16	2025	2025	NUM
easat-7042	189	17	by	by	ADP
easat-7042	189	18	the	the	DET
easat-7042	189	19	authors	author	NOUN
easat-7042	189	20	;	;	PUNCT
easat-7042	189	21	licensee	licensee	PROPN
easat-7042	189	22	learning	learn	VERB
easat-7042	189	23	gate	gate	NOUN
easat-7042	189	24	table	table	NOUN
easat-7042	189	25	1	1	NUM
easat-7042	189	26	.	.	PUNCT
easat-7042	189	27	descriptive	descriptive	ADJ
easat-7042	189	28	statistics	statistic	NOUN
easat-7042	189	29	.	.	PUNCT
easat-7042	190	1	variables	variable	NOUN
easat-7042	190	2	n	n	PRON
easat-7042	190	3	minimum	minimum	ADJ
easat-7042	190	4	maximum	maximum	ADJ
easat-7042	190	5	mean	mean	ADJ
easat-7042	190	6	std	std	X
easat-7042	190	7	.	.	PUNCT
easat-7042	191	1	deviation	deviation	NOUN
easat-7042	191	2	nl	nl	NOUN
easat-7042	191	3	211	211	NUM
easat-7042	191	4	1	1	NUM
easat-7042	191	5	5	5	NUM
easat-7042	191	6	3.9633	3.9633	NUM
easat-7042	191	7	0.78801	0.78801	NUM
easat-7042	191	8	hq	hq	NOUN
easat-7042	191	9	211	211	NUM
easat-7042	191	10	1	1	NUM
easat-7042	191	11	5	5	NUM
easat-7042	191	12	3.8863	3.8863	NUM
easat-7042	191	13	0.81583	0.81583	NUM
easat-7042	191	14	ql	ql	NOUN
easat-7042	191	15	211	211	NUM
easat-7042	191	16	1.25	1.25	NUM
easat-7042	191	17	5	5	NUM
easat-7042	191	18	4.0296	4.0296	NUM
easat-7042	191	19	0.82050	0.82050	NUM
easat-7042	191	20	cl	cl	NOUN
easat-7042	191	21	211	211	NUM
easat-7042	191	22	1.25	1.25	NUM
easat-7042	191	23	5	5	NUM
easat-7042	191	24	3.9123	3.9123	NUM
easat-7042	191	25	0.75041	0.75041	NUM
easat-7042	191	26	qttc	qttc	NOUN
easat-7042	191	27	211	211	NUM
easat-7042	191	28	1	1	NUM
easat-7042	191	29	5	5	NUM
easat-7042	191	30	3.9088	3.9088	NUM
easat-7042	191	31	0.79898	0.79898	NUM
easat-7042	192	1	kh	kh	PROPN
easat-7042	192	2	211	211	NUM
easat-7042	192	3	1.25	1.25	NUM
easat-7042	192	4	5	5	NUM
easat-7042	192	5	4.0877	4.0877	NUM
easat-7042	192	6	0.81249	0.81249	NUM
easat-7042	192	7	mb	mb	ADP
easat-7042	192	8	211	211	NUM
easat-7042	192	9	1.25	1.25	NUM
easat-7042	192	10	5	5	NUM
easat-7042	192	11	4.0166	4.0166	NUM
easat-7042	192	12	0.78245	0.78245	NUM
easat-7042	192	13	tctc	tctc	VERB
easat-7042	192	14	211	211	NUM
easat-7042	192	15	1	1	NUM
easat-7042	192	16	5	5	NUM
easat-7042	192	17	3.8780	3.8780	NUM
easat-7042	192	18	0.81371	0.81371	NUM
easat-7042	192	19	tbv	tbv	PRON
easat-7042	192	20	211	211	NUM
easat-7042	192	21	1	1	NUM
easat-7042	192	22	5	5	NUM
easat-7042	192	23	4.0237	4.0237	NUM
easat-7042	192	24	0.75730	0.75730	NUM
easat-7042	192	25	we	we	PRON
easat-7042	192	26	used	use	VERB
easat-7042	192	27	cronbach	cronbach	PROPN
easat-7042	192	28	's	's	PART
easat-7042	192	29	alpha	alpha	NOUN
easat-7042	192	30	reliability	reliability	NOUN
easat-7042	192	31	test	test	NOUN
easat-7042	192	32	to	to	PART
easat-7042	192	33	evaluate	evaluate	VERB
easat-7042	192	34	the	the	DET
easat-7042	192	35	consistency	consistency	NOUN
easat-7042	192	36	of	of	ADP
easat-7042	192	37	the	the	DET
easat-7042	192	38	observed	observe	VERB
easat-7042	192	39	variables	variable	NOUN
easat-7042	192	40	within	within	ADP
easat-7042	192	41	each	each	DET
easat-7042	192	42	scale	scale	NOUN
easat-7042	192	43	designed	design	VERB
easat-7042	192	44	to	to	PART
easat-7042	192	45	measure	measure	VERB
easat-7042	192	46	the	the	DET
easat-7042	192	47	nine	nine	NUM
easat-7042	192	48	constructs	construct	NOUN
easat-7042	192	49	.	.	PUNCT
easat-7042	193	1	the	the	DET
easat-7042	193	2	results	result	NOUN
easat-7042	193	3	showed	show	VERB
easat-7042	193	4	that	that	SCONJ
easat-7042	193	5	cronbach	cronbach	NOUN
easat-7042	193	6	's	's	PART
easat-7042	193	7	alpha	alpha	NOUN
easat-7042	193	8	for	for	ADP
easat-7042	193	9	all	all	DET
easat-7042	193	10	scales	scale	NOUN
easat-7042	193	11	exceeded	exceed	VERB
easat-7042	193	12	0.7	0.7	NUM
easat-7042	193	13	,	,	PUNCT
easat-7042	193	14	and	and	CCONJ
easat-7042	193	15	the	the	DET
easat-7042	193	16	corrected	correct	VERB
easat-7042	193	17	item	item	NOUN
easat-7042	193	18	-	-	PUNCT
easat-7042	193	19	total	total	NOUN
easat-7042	193	20	correlation	correlation	NOUN
easat-7042	193	21	of	of	ADP
easat-7042	193	22	all	all	DET
easat-7042	193	23	35	35	NUM
easat-7042	193	24	observed	observed	ADJ
easat-7042	193	25	variables	variable	NOUN
easat-7042	193	26	was	be	AUX
easat-7042	193	27	greater	great	ADJ
easat-7042	193	28	than	than	ADP
easat-7042	193	29	0.3	0.3	NUM
easat-7042	193	30	.	.	PUNCT
easat-7042	194	1	and	and	CCONJ
easat-7042	194	2	this	this	PRON
easat-7042	194	3	is	be	AUX
easat-7042	194	4	considered	consider	VERB
easat-7042	194	5	a	a	DET
easat-7042	194	6	good	good	ADJ
easat-7042	194	7	and	and	CCONJ
easat-7042	194	8	highly	highly	ADV
easat-7042	194	9	reliable	reliable	ADJ
easat-7042	194	10	scale	scale	NOUN
easat-7042	194	11	according	accord	VERB
easat-7042	194	12	to	to	ADP
easat-7042	194	13	nunnally	nunnally	ADV
easat-7042	194	14	[	[	X
easat-7042	194	15	31	31	NUM
easat-7042	194	16	]	]	PUNCT
easat-7042	194	17	and	and	CCONJ
easat-7042	194	18	cristobal	cristobal	PROPN
easat-7042	194	19	,	,	PUNCT
easat-7042	194	20	et	et	PROPN
easat-7042	194	21	al	al	PROPN
easat-7042	194	22	.	.	PUNCT
easat-7042	195	1	[	[	X
easat-7042	195	2	32	32	NUM
easat-7042	195	3	]	]	PUNCT
easat-7042	195	4	so	so	ADV
easat-7042	195	5	there	there	PRON
easat-7042	195	6	were	be	VERB
easat-7042	195	7	no	no	DET
easat-7042	195	8	items	item	NOUN
easat-7042	195	9	excluded	exclude	VERB
easat-7042	195	10	and	and	CCONJ
easat-7042	195	11	all	all	DET
easat-7042	195	12	observed	observed	ADJ
easat-7042	195	13	variables	variable	NOUN
easat-7042	195	14	were	be	AUX
easat-7042	195	15	carried	carry	VERB
easat-7042	195	16	to	to	ADP
easat-7042	195	17	the	the	DET
easat-7042	195	18	next	next	ADJ
easat-7042	195	19	step	step	NOUN
easat-7042	195	20	efa	efa	PROPN
easat-7042	195	21	.	.	PUNCT
easat-7042	196	1	table	table	NOUN
easat-7042	196	2	2	2	NUM
easat-7042	196	3	reports	report	VERB
easat-7042	196	4	the	the	DET
easat-7042	196	5	reliability	reliability	NOUN
easat-7042	196	6	of	of	ADP
easat-7042	196	7	each	each	DET
easat-7042	196	8	measurement	measurement	NOUN
easat-7042	196	9	scale	scale	NOUN
easat-7042	196	10	using	use	VERB
easat-7042	196	11	cronbach	cronbach	NOUN
easat-7042	196	12	's	's	PART
easat-7042	196	13	alpha	alpha	NOUN
easat-7042	196	14	:	:	PUNCT
easat-7042	196	15	•	•	ADP
easat-7042	196	16	organizational	organizational	ADJ
easat-7042	196	17	capacity	capacity	NOUN
easat-7042	196	18	(	(	PUNCT
easat-7042	196	19	nl	nl	NOUN
easat-7042	196	20	):	):	PUNCT
easat-7042	196	21	comprising	comprise	VERB
easat-7042	196	22	4	4	NUM
easat-7042	196	23	items	item	NOUN
easat-7042	196	24	,	,	PUNCT
easat-7042	196	25	cronbach	cronbach	VERB
easat-7042	196	26	’s	’s	PART
easat-7042	196	27	alpha	alpha	NOUN
easat-7042	196	28	is	be	AUX
easat-7042	196	29	0.822	0.822	NUM
easat-7042	196	30	(	(	PUNCT
easat-7042	196	31	very	very	ADV
easat-7042	196	32	good	good	ADJ
easat-7042	196	33	)	)	PUNCT
easat-7042	196	34	,	,	PUNCT
easat-7042	196	35	with	with	ADP
easat-7042	196	36	a	a	DET
easat-7042	196	37	minimum	minimum	ADJ
easat-7042	196	38	corrected	correct	VERB
easat-7042	196	39	item	item	NOUN
easat-7042	196	40	-	-	PUNCT
easat-7042	196	41	total	total	NOUN
easat-7042	196	42	correlation	correlation	NOUN
easat-7042	196	43	of	of	ADP
easat-7042	196	44	0.592	0.592	NUM
easat-7042	196	45	.	.	PUNCT
easat-7042	197	1	•	•	NUM
easat-7042	197	2	productivity	productivity	NOUN
easat-7042	197	3	(	(	PUNCT
easat-7042	197	4	hq	hq	INTJ
easat-7042	197	5	):	):	PUNCT
easat-7042	197	6	with	with	ADP
easat-7042	197	7	4	4	NUM
easat-7042	197	8	items	item	NOUN
easat-7042	197	9	,	,	PUNCT
easat-7042	197	10	cronbach	cronbach	VERB
easat-7042	197	11	’s	’s	PART
easat-7042	197	12	alpha	alpha	NOUN
easat-7042	197	13	is	be	AUX
easat-7042	197	14	0.849	0.849	NUM
easat-7042	197	15	(	(	PUNCT
easat-7042	197	16	very	very	ADV
easat-7042	197	17	good	good	ADJ
easat-7042	197	18	)	)	PUNCT
easat-7042	197	19	,	,	PUNCT
easat-7042	197	20	and	and	CCONJ
easat-7042	197	21	the	the	DET
easat-7042	197	22	minimum	minimum	ADJ
easat-7042	197	23	corrected	correct	VERB
easat-7042	197	24	item	item	NOUN
easat-7042	197	25	-	-	PUNCT
easat-7042	197	26	total	total	NOUN
easat-7042	197	27	correlation	correlation	NOUN
easat-7042	197	28	is	be	AUX
easat-7042	197	29	0.665	0.665	NUM
easat-7042	197	30	.	.	PUNCT
easat-7042	198	1	•	•	NUM
easat-7042	198	2	loan	loan	NOUN
easat-7042	198	3	portfolio	portfolio	NOUN
easat-7042	198	4	management	management	NOUN
easat-7042	198	5	(	(	PUNCT
easat-7042	198	6	ql	ql	X
easat-7042	198	7	):	):	PUNCT
easat-7042	198	8	consisting	consist	VERB
easat-7042	198	9	of	of	ADP
easat-7042	198	10	4	4	NUM
easat-7042	198	11	items	item	NOUN
easat-7042	198	12	,	,	PUNCT
easat-7042	198	13	cronbach	cronbach	VERB
easat-7042	198	14	’s	’s	PART
easat-7042	198	15	alpha	alpha	NOUN
easat-7042	198	16	is	be	AUX
easat-7042	198	17	0.850	0.850	NUM
easat-7042	198	18	(	(	PUNCT
easat-7042	198	19	very	very	ADV
easat-7042	198	20	good	good	ADJ
easat-7042	198	21	)	)	PUNCT
easat-7042	198	22	,	,	PUNCT
easat-7042	198	23	with	with	ADP
easat-7042	198	24	a	a	DET
easat-7042	198	25	minimum	minimum	ADJ
easat-7042	198	26	correlation	correlation	NOUN
easat-7042	198	27	of	of	ADP
easat-7042	198	28	0.669	0.669	NUM
easat-7042	198	29	.	.	PUNCT
easat-7042	199	1	•	•	NUM
easat-7042	199	2	quality	quality	NOUN
easat-7042	199	3	management	management	NOUN
easat-7042	199	4	(	(	PUNCT
easat-7042	199	5	cl	cl	NOUN
easat-7042	199	6	):	):	PUNCT
easat-7042	199	7	includes	include	VERB
easat-7042	199	8	4	4	NUM
easat-7042	199	9	items	item	NOUN
easat-7042	199	10	,	,	PUNCT
easat-7042	199	11	cronbach	cronbach	VERB
easat-7042	199	12	’s	’s	PART
easat-7042	199	13	alpha	alpha	NOUN
easat-7042	199	14	is	be	AUX
easat-7042	199	15	0.825	0.825	NUM
easat-7042	199	16	(	(	PUNCT
easat-7042	199	17	very	very	ADV
easat-7042	199	18	good	good	ADJ
easat-7042	199	19	)	)	PUNCT
easat-7042	199	20	,	,	PUNCT
easat-7042	199	21	and	and	CCONJ
easat-7042	199	22	the	the	DET
easat-7042	199	23	lowest	low	ADJ
easat-7042	199	24	correlation	correlation	NOUN
easat-7042	199	25	is	be	AUX
easat-7042	199	26	0.600	0.600	NUM
easat-7042	199	27	.	.	PUNCT
easat-7042	199	28	•	•	NUM
easat-7042	199	29	financial	financial	ADJ
easat-7042	199	30	management	management	NOUN
easat-7042	199	31	(	(	PUNCT
easat-7042	199	32	qttc	qttc	PROPN
easat-7042	199	33	):	):	PUNCT
easat-7042	199	34	cronbach	cronbach	PROPN
easat-7042	199	35	’s	’s	PART
easat-7042	199	36	alpha	alpha	NOUN
easat-7042	199	37	is	be	AUX
easat-7042	199	38	0.839	0.839	NUM
easat-7042	199	39	(	(	PUNCT
easat-7042	199	40	very	very	ADV
easat-7042	199	41	good	good	ADJ
easat-7042	199	42	)	)	PUNCT
easat-7042	199	43	with	with	ADP
easat-7042	199	44	a	a	DET
easat-7042	199	45	minimum	minimum	ADJ
easat-7042	199	46	correlation	correlation	NOUN
easat-7042	199	47	of	of	ADP
easat-7042	199	48	0.625	0.625	NUM
easat-7042	199	49	across	across	ADP
easat-7042	199	50	4	4	NUM
easat-7042	199	51	items	item	NOUN
easat-7042	199	52	.	.	PUNCT
easat-7042	200	1	•	•	NUM
easat-7042	200	2	customer	customer	NOUN
easat-7042	200	3	access	access	NOUN
easat-7042	200	4	(	(	PUNCT
easat-7042	200	5	tch	tch	NOUN
easat-7042	200	6	):	):	PUNCT
easat-7042	200	7	demonstrated	demonstrate	VERB
easat-7042	200	8	the	the	DET
easat-7042	200	9	highest	high	ADJ
easat-7042	200	10	internal	internal	ADJ
easat-7042	200	11	consistency	consistency	NOUN
easat-7042	200	12	,	,	PUNCT
easat-7042	200	13	with	with	ADP
easat-7042	200	14	cronbach	cronbach	PROPN
easat-7042	200	15	’s	’s	PART
easat-7042	200	16	alpha	alpha	NOUN
easat-7042	200	17	of	of	ADP
easat-7042	200	18	0.867	0.867	NUM
easat-7042	200	19	(	(	PUNCT
easat-7042	200	20	excellent	excellent	ADJ
easat-7042	200	21	)	)	PUNCT
easat-7042	200	22	and	and	CCONJ
easat-7042	200	23	a	a	DET
easat-7042	200	24	minimum	minimum	ADJ
easat-7042	200	25	correlation	correlation	NOUN
easat-7042	200	26	of	of	ADP
easat-7042	200	27	0.713	0.713	NUM
easat-7042	200	28	.	.	PUNCT
easat-7042	201	1	•	•	NUM
easat-7042	201	2	transparency	transparency	NOUN
easat-7042	201	3	(	(	PUNCT
easat-7042	201	4	mb	mb	ADJ
easat-7042	201	5	):	):	PUNCT
easat-7042	201	6	cronbach	cronbach	PROPN
easat-7042	201	7	’s	’s	PART
easat-7042	201	8	alpha	alpha	NOUN
easat-7042	201	9	is	be	AUX
easat-7042	201	10	0.828	0.828	NUM
easat-7042	201	11	(	(	PUNCT
easat-7042	201	12	very	very	ADV
easat-7042	201	13	good	good	ADJ
easat-7042	201	14	)	)	PUNCT
easat-7042	201	15	,	,	PUNCT
easat-7042	201	16	with	with	ADP
easat-7042	201	17	the	the	DET
easat-7042	201	18	lowest	low	ADJ
easat-7042	201	19	item	item	NOUN
easat-7042	201	20	-	-	PUNCT
easat-7042	201	21	total	total	NOUN
easat-7042	201	22	correlation	correlation	NOUN
easat-7042	201	23	at	at	ADP
easat-7042	201	24	0.625	0.625	NUM
easat-7042	201	25	.	.	PUNCT
easat-7042	202	1	•	•	NUM
easat-7042	202	2	financial	financial	ADJ
easat-7042	202	3	autonomy	autonomy	NOUN
easat-7042	202	4	(	(	PUNCT
easat-7042	202	5	tctc	tctc	NOUN
easat-7042	202	6	):	):	PUNCT
easat-7042	202	7	achieved	achieve	VERB
easat-7042	202	8	cronbach	cronbach	NOUN
easat-7042	202	9	’s	’s	PART
easat-7042	202	10	alpha	alpha	NOUN
easat-7042	202	11	of	of	ADP
easat-7042	202	12	0.848	0.848	NUM
easat-7042	202	13	(	(	PUNCT
easat-7042	202	14	very	very	ADV
easat-7042	202	15	good	good	ADJ
easat-7042	202	16	)	)	PUNCT
easat-7042	202	17	,	,	PUNCT
easat-7042	202	18	with	with	ADP
easat-7042	202	19	a	a	DET
easat-7042	202	20	minimum	minimum	ADJ
easat-7042	202	21	correlation	correlation	NOUN
easat-7042	202	22	of	of	ADP
easat-7042	202	23	0.649	0.649	NUM
easat-7042	202	24	.	.	PUNCT
easat-7042	203	1	•	•	NUM
easat-7042	203	2	financial	financial	ADJ
easat-7042	203	3	sustainability	sustainability	NOUN
easat-7042	203	4	(	(	PUNCT
easat-7042	203	5	tbv	tbv	NOUN
easat-7042	203	6	):	):	PUNCT
easat-7042	203	7	comprising	comprise	VERB
easat-7042	203	8	3	3	NUM
easat-7042	203	9	items	item	NOUN
easat-7042	203	10	,	,	PUNCT
easat-7042	203	11	this	this	DET
easat-7042	203	12	construct	construct	NOUN
easat-7042	203	13	yielded	yield	VERB
easat-7042	203	14	cronbach	cronbach	PROPN
easat-7042	203	15	’s	’s	PART
easat-7042	203	16	alpha	alpha	NOUN
easat-7042	203	17	of	of	ADP
easat-7042	203	18	0.759	0.759	NUM
easat-7042	203	19	(	(	PUNCT
easat-7042	203	20	acceptable	acceptable	ADJ
easat-7042	203	21	)	)	PUNCT
easat-7042	203	22	,	,	PUNCT
easat-7042	203	23	with	with	ADP
easat-7042	203	24	a	a	DET
easat-7042	203	25	minimum	minimum	ADJ
easat-7042	203	26	item	item	NOUN
easat-7042	203	27	-	-	PUNCT
easat-7042	203	28	total	total	NOUN
easat-7042	203	29	correlation	correlation	NOUN
easat-7042	203	30	of	of	ADP
easat-7042	203	31	0.550	0.550	NUM
easat-7042	203	32	.	.	PUNCT
easat-7042	204	1	all	all	DET
easat-7042	204	2	scales	scale	NOUN
easat-7042	204	3	exceeded	exceed	VERB
easat-7042	204	4	the	the	DET
easat-7042	204	5	acceptable	acceptable	ADJ
easat-7042	204	6	threshold	threshold	NOUN
easat-7042	204	7	of	of	ADP
easat-7042	204	8	0.7	0.7	NUM
easat-7042	204	9	,	,	PUNCT
easat-7042	204	10	confirming	confirm	VERB
easat-7042	204	11	high	high	ADJ
easat-7042	204	12	internal	internal	ADJ
easat-7042	204	13	consistency	consistency	NOUN
easat-7042	204	14	.	.	PUNCT
easat-7042	205	1	"	"	PUNCT
easat-7042	205	2	customer	customer	NOUN
easat-7042	205	3	access	access	NOUN
easat-7042	205	4	"	"	PUNCT
easat-7042	205	5	achieved	achieve	VERB
easat-7042	205	6	the	the	DET
easat-7042	205	7	highest	high	ADJ
easat-7042	205	8	reliability	reliability	NOUN
easat-7042	205	9	,	,	PUNCT
easat-7042	205	10	whereas	whereas	SCONJ
easat-7042	205	11	"	"	PUNCT
easat-7042	205	12	financial	financial	ADJ
easat-7042	205	13	sustainability	sustainability	NOUN
easat-7042	205	14	"	"	PUNCT
easat-7042	205	15	had	have	VERB
easat-7042	205	16	the	the	DET
easat-7042	205	17	lowest	low	ADJ
easat-7042	205	18	but	but	CCONJ
easat-7042	205	19	remained	remain	VERB
easat-7042	205	20	within	within	ADP
easat-7042	205	21	the	the	DET
easat-7042	205	22	acceptable	acceptable	ADJ
easat-7042	205	23	range	range	NOUN
easat-7042	205	24	.	.	PUNCT
easat-7042	206	1	938	938	NUM
easat-7042	206	2	edelweiss	edelweiss	PROPN
easat-7042	206	3	applied	apply	VERB
easat-7042	206	4	science	science	NOUN
easat-7042	206	5	and	and	CCONJ
easat-7042	206	6	technology	technology	NOUN
easat-7042	206	7	issn	issn	PROPN
easat-7042	206	8	:	:	PUNCT
easat-7042	206	9	2576	2576	NUM
easat-7042	206	10	-	-	SYM
easat-7042	206	11	8484	8484	NUM
easat-7042	206	12	vol	vol	NOUN
easat-7042	206	13	.	.	PROPN
easat-7042	207	1	9	9	NUM
easat-7042	207	2	,	,	PUNCT
easat-7042	207	3	no	no	INTJ
easat-7042	207	4	.	.	NOUN
easat-7042	207	5	5	5	NUM
easat-7042	207	6	:	:	SYM
easat-7042	207	7	930	930	NUM
easat-7042	207	8	-	-	SYM
easat-7042	207	9	946	946	NUM
easat-7042	207	10	,	,	PUNCT
easat-7042	207	11	2025	2025	NUM
easat-7042	207	12	doi	doi	NOUN
easat-7042	207	13	:	:	PUNCT
easat-7042	207	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	207	15	©	©	PROPN
easat-7042	207	16	2025	2025	NUM
easat-7042	207	17	by	by	ADP
easat-7042	207	18	the	the	DET
easat-7042	207	19	authors	author	NOUN
easat-7042	207	20	;	;	PUNCT
easat-7042	207	21	licensee	licensee	PROPN
easat-7042	207	22	learning	learn	VERB
easat-7042	207	23	gate	gate	NOUN
easat-7042	207	24	table	table	NOUN
easat-7042	207	25	2	2	NUM
easat-7042	207	26	.	.	PUNCT
easat-7042	208	1	cronbach	cronbach	PROPN
easat-7042	208	2	’s	’s	PART
easat-7042	208	3	alpha	alpha	NOUN
easat-7042	208	4	reliability	reliability	NOUN
easat-7042	208	5	test	test	NOUN
easat-7042	208	6	results	result	NOUN
easat-7042	208	7	.	.	PUNCT
easat-7042	209	1	variables	variable	NOUN
easat-7042	209	2	number	number	NOUN
easat-7042	209	3	of	of	ADP
easat-7042	209	4	items	item	NOUN
easat-7042	209	5	cronbach	cronbach	VERB
easat-7042	209	6	’s	’s	PART
easat-7042	209	7	alpha	alpha	NOUN
easat-7042	209	8	the	the	DET
easat-7042	209	9	minimum	minimum	ADJ
easat-7042	209	10	value	value	NOUN
easat-7042	209	11	of	of	ADP
easat-7042	209	12	the	the	DET
easat-7042	209	13	corrected	correct	VERB
easat-7042	209	14	itemtotal	itemtotal	ADJ
easat-7042	209	15	correlation	correlation	NOUN
easat-7042	209	16	nl	nl	PROPN
easat-7042	209	17	4	4	NUM
easat-7042	209	18	0.822	0.822	NUM
easat-7042	209	19	0.598	0.598	NUM
easat-7042	209	20	hq	hq	NOUN
easat-7042	209	21	4	4	NUM
easat-7042	209	22	0.849	0.849	NUM
easat-7042	209	23	0.663	0.663	NUM
easat-7042	209	24	ql	ql	NOUN
easat-7042	209	25	4	4	NUM
easat-7042	209	26	0.850	0.850	NUM
easat-7042	209	27	0.669	0.669	NUM
easat-7042	209	28	cl	cl	NOUN
easat-7042	209	29	4	4	NUM
easat-7042	209	30	0.825	0.825	NUM
easat-7042	209	31	0.600	0.600	NUM
easat-7042	209	32	qttc	qttc	NOUN
easat-7042	209	33	4	4	NUM
easat-7042	209	34	0.839	0.839	NUM
easat-7042	209	35	0.625	0.625	NUM
easat-7042	209	36	kh	kh	PROPN
easat-7042	209	37	4	4	NUM
easat-7042	209	38	0.867	0.867	NUM
easat-7042	209	39	0.712	0.712	NUM
easat-7042	209	40	mb	mb	ADP
easat-7042	209	41	4	4	NUM
easat-7042	209	42	0.838	0.838	NUM
easat-7042	209	43	0.623	0.623	NUM
easat-7042	209	44	tctc	tctc	VERB
easat-7042	209	45	4	4	NUM
easat-7042	209	46	0.848	0.848	NUM
easat-7042	209	47	0.649	0.649	NUM
easat-7042	209	48	tbv	tbv	NOUN
easat-7042	209	49	3	3	NUM
easat-7042	209	50	0.759	0.759	NUM
easat-7042	209	51	0.550	0.550	NUM
easat-7042	209	52	kaiser	kaiser	PROPN
easat-7042	209	53	-	-	PUNCT
easat-7042	209	54	meyer	meyer	PROPN
easat-7042	209	55	-	-	PUNCT
easat-7042	209	56	olkin	olkin	PROPN
easat-7042	209	57	(	(	PUNCT
easat-7042	209	58	kmo	kmo	NOUN
easat-7042	209	59	)	)	PUNCT
easat-7042	209	60	measure	measure	NOUN
easat-7042	209	61	:	:	PUNCT
easat-7042	209	62	the	the	DET
easat-7042	209	63	kmo	kmo	PROPN
easat-7042	209	64	value	value	NOUN
easat-7042	209	65	of	of	ADP
easat-7042	209	66	0.897	0.897	NUM
easat-7042	209	67	indicates	indicate	VERB
easat-7042	209	68	excellent	excellent	ADJ
easat-7042	209	69	sampling	sample	VERB
easat-7042	209	70	adequacy	adequacy	NOUN
easat-7042	209	71	(	(	PUNCT
easat-7042	209	72	kmo	kmo	X
easat-7042	209	73	>	>	X
easat-7042	209	74	0.8	0.8	NUM
easat-7042	209	75	is	be	AUX
easat-7042	209	76	considered	consider	VERB
easat-7042	209	77	very	very	ADV
easat-7042	209	78	good	good	ADJ
easat-7042	209	79	)	)	PUNCT
easat-7042	209	80	.	.	PUNCT
easat-7042	210	1	bartlett	bartlett	PROPN
easat-7042	210	2	’s	’s	PART
easat-7042	210	3	test	test	NOUN
easat-7042	210	4	of	of	ADP
easat-7042	210	5	sphericity	sphericity	NOUN
easat-7042	210	6	:	:	PUNCT
easat-7042	210	7	chi	chi	NOUN
easat-7042	210	8	-	-	PUNCT
easat-7042	210	9	square	square	NOUN
easat-7042	210	10	:	:	PUNCT
easat-7042	210	11	3370.395	3370.395	NUM
easat-7042	210	12	;	;	PUNCT
easat-7042	210	13	degrees	degree	NOUN
easat-7042	210	14	of	of	ADP
easat-7042	210	15	freedom	freedom	NOUN
easat-7042	210	16	:	:	PUNCT
easat-7042	210	17	496	496	NUM
easat-7042	210	18	;	;	PUNCT
easat-7042	210	19	significance	significance	NOUN
easat-7042	210	20	level	level	NOUN
easat-7042	210	21	:	:	PUNCT
easat-7042	210	22	p	p	X
easat-7042	210	23	<	<	X
easat-7042	210	24	0.001	0.001	NUM
easat-7042	210	25	.	.	PUNCT
easat-7042	211	1	the	the	DET
easat-7042	211	2	significant	significant	ADJ
easat-7042	211	3	result	result	NOUN
easat-7042	211	4	(	(	PUNCT
easat-7042	211	5	p	p	X
easat-7042	211	6	<	<	X
easat-7042	211	7	0.05	0.05	NUM
easat-7042	211	8	)	)	PUNCT
easat-7042	211	9	rejects	reject	VERB
easat-7042	211	10	the	the	DET
easat-7042	211	11	null	null	ADJ
easat-7042	211	12	hypothesis	hypothesis	NOUN
easat-7042	211	13	that	that	SCONJ
easat-7042	211	14	the	the	DET
easat-7042	211	15	correlation	correlation	NOUN
easat-7042	211	16	matrix	matrix	NOUN
easat-7042	211	17	is	be	AUX
easat-7042	211	18	an	an	DET
easat-7042	211	19	identity	identity	NOUN
easat-7042	211	20	matrix	matrix	NOUN
easat-7042	211	21	,	,	PUNCT
easat-7042	211	22	confirming	confirm	VERB
easat-7042	211	23	that	that	SCONJ
easat-7042	211	24	factor	factor	NOUN
easat-7042	211	25	analysis	analysis	NOUN
easat-7042	211	26	is	be	AUX
easat-7042	211	27	appropriate	appropriate	ADJ
easat-7042	211	28	.	.	PUNCT
easat-7042	212	1	(	(	PUNCT
easat-7042	212	2	table	table	NOUN
easat-7042	212	3	3	3	NUM
easat-7042	212	4	)	)	PUNCT
easat-7042	212	5	.	.	PUNCT
easat-7042	213	1	table	table	NOUN
easat-7042	213	2	3	3	NUM
easat-7042	213	3	.	.	X
easat-7042	213	4	kmo	kmo	PROPN
easat-7042	213	5	and	and	CCONJ
easat-7042	213	6	bartlett	bartlett	PROPN
easat-7042	213	7	’s	’s	PART
easat-7042	213	8	test	test	NOUN
easat-7042	213	9	.	.	PUNCT
easat-7042	214	1	kaiser	kaiser	PROPN
easat-7042	214	2	-	-	PUNCT
easat-7042	214	3	meyer	meyer	PROPN
easat-7042	214	4	-	-	PUNCT
easat-7042	214	5	olkin	olkin	NOUN
easat-7042	214	6	measure	measure	NOUN
easat-7042	214	7	of	of	ADP
easat-7042	214	8	sampling	sample	VERB
easat-7042	214	9	adequacy	adequacy	NOUN
easat-7042	214	10	0.897	0.897	NUM
easat-7042	214	11	bartlett	bartlett	PROPN
easat-7042	214	12	’s	’s	PART
easat-7042	214	13	test	test	NOUN
easat-7042	214	14	of	of	ADP
easat-7042	214	15	sphericity	sphericity	PROPN
easat-7042	214	16	approx	approx	PROPN
easat-7042	214	17	.	.	PUNCT
easat-7042	215	1	chi	chi	ADJ
easat-7042	215	2	-	-	PUNCT
easat-7042	215	3	square	square	ADJ
easat-7042	215	4	3570.395	3570.395	NUM
easat-7042	215	5	df	df	PROPN
easat-7042	215	6	496	496	NUM
easat-7042	215	7	sig	sig	NOUN
easat-7042	215	8	.	.	PROPN
easat-7042	215	9	0.000	0.000	NUM
easat-7042	215	10	before	before	ADP
easat-7042	215	11	rotation	rotation	NOUN
easat-7042	215	12	:	:	PUNCT
easat-7042	215	13	factor	factor	NOUN
easat-7042	215	14	1	1	NUM
easat-7042	215	15	explained	explain	VERB
easat-7042	215	16	33.701	33.701	NUM
easat-7042	215	17	%	%	NOUN
easat-7042	215	18	of	of	ADP
easat-7042	215	19	the	the	DET
easat-7042	215	20	variance	variance	NOUN
easat-7042	215	21	(	(	PUNCT
easat-7042	215	22	eigenvalue	eigenvalue	PROPN
easat-7042	215	23	=	=	SYM
easat-7042	215	24	10.794	10.794	NUM
easat-7042	215	25	)	)	PUNCT
easat-7042	215	26	.	.	PUNCT
easat-7042	216	1	subsequent	subsequent	ADJ
easat-7042	216	2	factors	factor	NOUN
easat-7042	216	3	explained	explain	VERB
easat-7042	216	4	progressively	progressively	ADV
easat-7042	216	5	less	less	ADJ
easat-7042	216	6	:	:	PUNCT
easat-7042	216	7	factor	factor	NOUN
easat-7042	216	8	2	2	NUM
easat-7042	216	9	(	(	PUNCT
easat-7042	216	10	7.316	7.316	NUM
easat-7042	216	11	%	%	NOUN
easat-7042	216	12	)	)	PUNCT
easat-7042	216	13	,	,	PUNCT
easat-7042	216	14	factor	factor	NOUN
easat-7042	216	15	3	3	NUM
easat-7042	216	16	(	(	PUNCT
easat-7042	216	17	6.476	6.476	NUM
easat-7042	216	18	%	%	NOUN
easat-7042	216	19	)	)	PUNCT
easat-7042	216	20	,	,	PUNCT
easat-7042	216	21	...	...	PUNCT
easat-7042	216	22	,	,	PUNCT
easat-7042	216	23	factor	factor	NOUN
easat-7042	216	24	9	9	NUM
easat-7042	216	25	(	(	PUNCT
easat-7042	216	26	3.381	3.381	NUM
easat-7042	216	27	%	%	NOUN
easat-7042	216	28	)	)	PUNCT
easat-7042	216	29	.	.	PUNCT
easat-7042	217	1	after	after	ADP
easat-7042	217	2	rotation	rotation	NOUN
easat-7042	217	3	:	:	PUNCT
easat-7042	217	4	variance	variance	NOUN
easat-7042	217	5	explained	explain	VERB
easat-7042	217	6	by	by	ADP
easat-7042	217	7	each	each	DET
easat-7042	217	8	factor	factor	NOUN
easat-7042	217	9	became	become	VERB
easat-7042	217	10	more	more	ADV
easat-7042	217	11	evenly	evenly	ADV
easat-7042	217	12	distributed	distribute	VERB
easat-7042	217	13	:	:	PUNCT
easat-7042	217	14	factor	factor	NOUN
easat-7042	217	15	1	1	NUM
easat-7042	217	16	(	(	PUNCT
easat-7042	217	17	9.191	9.191	NUM
easat-7042	217	18	%	%	NOUN
easat-7042	217	19	)	)	PUNCT
easat-7042	217	20	,	,	PUNCT
easat-7042	217	21	factor	factor	NOUN
easat-7042	217	22	2	2	NUM
easat-7042	217	23	(	(	PUNCT
easat-7042	217	24	9.256	9.256	NUM
easat-7042	217	25	%	%	NOUN
easat-7042	217	26	)	)	PUNCT
easat-7042	217	27	,	,	PUNCT
easat-7042	217	28	...	...	PUNCT
easat-7042	217	29	,	,	PUNCT
easat-7042	217	30	factor	factor	NOUN
easat-7042	217	31	8	8	NUM
easat-7042	217	32	(	(	PUNCT
easat-7042	217	33	8.341	8.341	NUM
easat-7042	217	34	%	%	NOUN
easat-7042	217	35	)	)	PUNCT
easat-7042	217	36	.	.	PUNCT
easat-7042	218	1	total	total	ADJ
easat-7042	218	2	variance	variance	NOUN
easat-7042	218	3	explained	explain	VERB
easat-7042	218	4	:	:	PUNCT
easat-7042	218	5	the	the	DET
easat-7042	218	6	nine	nine	NUM
easat-7042	218	7	extracted	extract	VERB
easat-7042	218	8	factors	factor	NOUN
easat-7042	218	9	collectively	collectively	ADV
easat-7042	218	10	account	account	VERB
easat-7042	218	11	for	for	ADP
easat-7042	218	12	69.443	69.443	NUM
easat-7042	218	13	%	%	NOUN
easat-7042	218	14	of	of	ADP
easat-7042	218	15	the	the	DET
easat-7042	218	16	total	total	ADJ
easat-7042	218	17	variance	variance	NOUN
easat-7042	218	18	,	,	PUNCT
easat-7042	218	19	surpassing	surpass	VERB
easat-7042	218	20	the	the	DET
easat-7042	218	21	commonly	commonly	ADV
easat-7042	218	22	accepted	accept	VERB
easat-7042	218	23	60	60	NUM
easat-7042	218	24	%	%	NOUN
easat-7042	218	25	threshold	threshold	NOUN
easat-7042	218	26	in	in	ADP
easat-7042	218	27	social	social	ADJ
easat-7042	218	28	science	science	NOUN
easat-7042	218	29	research	research	NOUN
easat-7042	218	30	.	.	PUNCT
easat-7042	219	1	although	although	SCONJ
easat-7042	219	2	the	the	DET
easat-7042	219	3	ninth	ninth	ADJ
easat-7042	219	4	factor	factor	NOUN
easat-7042	219	5	had	have	VERB
easat-7042	219	6	an	an	DET
easat-7042	219	7	eigenvalue	eigenvalue	NOUN
easat-7042	219	8	slightly	slightly	ADV
easat-7042	219	9	below	below	ADP
easat-7042	219	10	1	1	NUM
easat-7042	219	11	(	(	PUNCT
easat-7042	219	12	0.762	0.762	NUM
easat-7042	219	13	)	)	PUNCT
easat-7042	219	14	,	,	PUNCT
easat-7042	219	15	it	it	PRON
easat-7042	219	16	was	be	AUX
easat-7042	219	17	retained	retain	VERB
easat-7042	219	18	for	for	ADP
easat-7042	219	19	theoretical	theoretical	ADJ
easat-7042	219	20	and	and	CCONJ
easat-7042	219	21	structural	structural	ADJ
easat-7042	219	22	relevance	relevance	NOUN
easat-7042	219	23	.	.	PUNCT
easat-7042	220	1	the	the	DET
easat-7042	220	2	rotated	rotate	VERB
easat-7042	220	3	solution	solution	NOUN
easat-7042	220	4	achieved	achieve	VERB
easat-7042	220	5	a	a	DET
easat-7042	220	6	balanced	balanced	ADJ
easat-7042	220	7	and	and	CCONJ
easat-7042	220	8	interpretable	interpretable	ADJ
easat-7042	220	9	factor	factor	NOUN
easat-7042	220	10	structure	structure	NOUN
easat-7042	220	11	,	,	PUNCT
easat-7042	220	12	with	with	ADP
easat-7042	220	13	each	each	DET
easat-7042	220	14	factor	factor	NOUN
easat-7042	220	15	explaining	explain	VERB
easat-7042	220	16	approximately	approximately	ADV
easat-7042	220	17	8–9	8–9	NUM
easat-7042	220	18	%	%	NOUN
easat-7042	220	19	of	of	ADP
easat-7042	220	20	the	the	DET
easat-7042	220	21	total	total	ADJ
easat-7042	220	22	variance	variance	NOUN
easat-7042	220	23	.	.	PUNCT
easat-7042	221	1	(	(	PUNCT
easat-7042	221	2	table	table	NOUN
easat-7042	221	3	4	4	NUM
easat-7042	221	4	)	)	PUNCT
easat-7042	221	5	.	.	PUNCT
easat-7042	222	1	table	table	NOUN
easat-7042	222	2	4	4	NUM
easat-7042	222	3	.	.	PUNCT
easat-7042	222	4	total	total	ADJ
easat-7042	222	5	variance	variance	NOUN
easat-7042	222	6	explained	explain	VERB
easat-7042	222	7	.	.	PUNCT
easat-7042	223	1	no	no	INTJ
easat-7042	223	2	.	.	PUNCT
easat-7042	224	1	total	total	ADJ
easat-7042	224	2	initial	initial	ADJ
easat-7042	224	3	eigenvalues	eigenvalue	NOUN
easat-7042	224	4	extractions	extraction	NOUN
easat-7042	224	5	sums	sum	NOUN
easat-7042	224	6	of	of	ADP
easat-7042	224	7	squared	square	VERB
easat-7042	224	8	loadings	loading	NOUN
easat-7042	224	9	rotation	rotation	NOUN
easat-7042	224	10	sums	sum	NOUN
easat-7042	224	11	of	of	ADP
easat-7042	224	12	squared	square	VERB
easat-7042	224	13	loadings	loading	NOUN
easat-7042	224	14	%	%	NOUN
easat-7042	224	15	of	of	ADP
easat-7042	224	16	variance	variance	NOUN
easat-7042	224	17	cumul	cumul	ADJ
easat-7042	224	18	ative	ative	ADJ
easat-7042	224	19	%	%	NOUN
easat-7042	224	20	total	total	ADJ
easat-7042	224	21	%	%	NOUN
easat-7042	224	22	of	of	ADP
easat-7042	224	23	variance	variance	NOUN
easat-7042	224	24	cumula	cumula	NOUN
easat-7042	224	25	tive%	tive%	PUNCT
easat-7042	224	26	total	total	ADJ
easat-7042	224	27	%	%	NOUN
easat-7042	224	28	of	of	ADP
easat-7042	224	29	variance	variance	NOUN
easat-7042	224	30	cumulative	cumulative	ADJ
easat-7042	224	31	%	%	NOUN
easat-7042	224	32	1	1	NUM
easat-7042	224	33	10.784	10.784	NUM
easat-7042	225	1	33.701	33.701	NUM
easat-7042	225	2	33.701	33.701	NUM
easat-7042	225	3	10.784	10.784	NUM
easat-7042	225	4	33.701	33.701	NUM
easat-7042	225	5	33.701	33.701	NUM
easat-7042	225	6	2.941	2.941	NUM
easat-7042	225	7	9.191	9.191	NUM
easat-7042	225	8	9.191	9.191	NUM
easat-7042	225	9	2	2	NUM
easat-7042	225	10	2.341	2.341	NUM
easat-7042	225	11	7.316	7.316	NUM
easat-7042	225	12	41.017	41.017	NUM
easat-7042	225	13	2.341	2.341	NUM
easat-7042	225	14	7.316	7.316	NUM
easat-7042	225	15	41.017	41.017	NUM
easat-7042	225	16	2.901	2.901	NUM
easat-7042	225	17	9.065	9.065	NUM
easat-7042	225	18	18.256	18.256	NUM
easat-7042	225	19	3	3	NUM
easat-7042	225	20	2.073	2.073	NUM
easat-7042	225	21	6.478	6.478	NUM
easat-7042	225	22	47.495	47.495	NUM
easat-7042	225	23	2.073	2.073	NUM
easat-7042	225	24	6.478	6.478	NUM
easat-7042	225	25	47.495	47.495	NUM
easat-7042	225	26	2.841	2.841	NUM
easat-7042	225	27	8.877	8.877	NUM
easat-7042	225	28	27.133	27.133	NUM
easat-7042	225	29	4	4	NUM
easat-7042	225	30	1.677	1.677	NUM
easat-7042	225	31	5.241	5.241	NUM
easat-7042	225	32	52.736	52.736	NUM
easat-7042	225	33	1.677	1.677	NUM
easat-7042	225	34	5.241	5.241	NUM
easat-7042	225	35	52.736	52.736	NUM
easat-7042	225	36	2.758	2.758	NUM
easat-7042	225	37	8.619	8.619	NUM
easat-7042	225	38	35.752	35.752	NUM
easat-7042	225	39	5	5	NUM
easat-7042	225	40	1.632	1.632	NUM
easat-7042	225	41	5.101	5.101	NUM
easat-7042	225	42	57.837	57.837	NUM
easat-7042	225	43	1.632	1.632	NUM
easat-7042	225	44	5.101	5.101	NUM
easat-7042	225	45	57.837	57.837	NUM
easat-7042	225	46	2.742	2.742	NUM
easat-7042	225	47	8.570	8.570	NUM
easat-7042	225	48	44.321	44.321	NUM
easat-7042	225	49	6	6	NUM
easat-7042	225	50	1.374	1.374	NUM
easat-7042	225	51	4.293	4.293	NUM
easat-7042	225	52	62.130	62.130	NUM
easat-7042	225	53	1.374	1.374	NUM
easat-7042	225	54	4.293	4.293	NUM
easat-7042	225	55	62.130	62.130	NUM
easat-7042	225	56	2.688	2.688	NUM
easat-7042	225	57	8.401	8.401	NUM
easat-7042	225	58	52.723	52.723	NUM
easat-7042	225	59	7	7	NUM
easat-7042	225	60	1.277	1.277	NUM
easat-7042	225	61	3.990	3.990	NUM
easat-7042	225	62	66.120	66.120	NUM
easat-7042	225	63	1.277	1.277	NUM
easat-7042	225	64	3.990	3.990	NUM
easat-7042	225	65	66.120	66.120	NUM
easat-7042	225	66	2.681	2.681	NUM
easat-7042	225	67	8.380	8.380	NUM
easat-7042	225	68	61.102	61.102	NUM
easat-7042	225	69	8	8	NUM
easat-7042	225	70	1.063	1.063	NUM
easat-7042	225	71	3.323	3.323	NUM
easat-7042	225	72	69.443	69.443	NUM
easat-7042	225	73	1.063	1.063	NUM
easat-7042	225	74	3.323	3.323	NUM
easat-7042	225	75	69.443	69.443	NUM
easat-7042	225	76	2.669	2.669	NUM
easat-7042	225	77	8.341	8.341	NUM
easat-7042	225	78	69.443	69.443	NUM
easat-7042	225	79	9	9	NUM
easat-7042	225	80	0.762	0.762	NUM
easat-7042	225	81	2.381	2.381	NUM
easat-7042	225	82	71.824	71.824	NUM
easat-7042	225	83	next	next	ADV
easat-7042	225	84	,	,	PUNCT
easat-7042	225	85	we	we	PRON
easat-7042	225	86	conducted	conduct	VERB
easat-7042	225	87	pearson	pearson	NOUN
easat-7042	225	88	correlation	correlation	NOUN
easat-7042	225	89	analysis	analysis	NOUN
easat-7042	225	90	to	to	PART
easat-7042	225	91	examine	examine	VERB
easat-7042	225	92	the	the	DET
easat-7042	225	93	correlation	correlation	NOUN
easat-7042	225	94	between	between	ADP
easat-7042	225	95	independent	independent	ADJ
easat-7042	225	96	and	and	CCONJ
easat-7042	225	97	dependent	dependent	ADJ
easat-7042	225	98	variables	variable	NOUN
easat-7042	225	99	and	and	CCONJ
easat-7042	225	100	to	to	PART
easat-7042	225	101	test	test	VERB
easat-7042	225	102	for	for	ADP
easat-7042	225	103	multicollinearity	multicollinearity	NOUN
easat-7042	225	104	.	.	PUNCT
easat-7042	226	1	results	result	NOUN
easat-7042	226	2	showed	show	VERB
easat-7042	226	3	that	that	SCONJ
easat-7042	226	4	pearson	pearson	NOUN
easat-7042	226	5	correlation	correlation	NOUN
easat-7042	226	6	coefficients	coefficient	NOUN
easat-7042	226	7	(	(	PUNCT
easat-7042	226	8	r	r	NOUN
easat-7042	226	9	)	)	PUNCT
easat-7042	226	10	for	for	ADP
easat-7042	226	11	all	all	DET
easat-7042	226	12	pairs	pair	NOUN
easat-7042	226	13	of	of	ADP
easat-7042	226	14	variables	variable	NOUN
easat-7042	226	15	were	be	AUX
easat-7042	226	16	in	in	ADP
easat-7042	226	17	the	the	DET
easat-7042	226	18	range	range	NOUN
easat-7042	226	19	of	of	ADP
easat-7042	226	20	-1	-1	PUNCT
easat-7042	226	21	<	<	X
easat-7042	226	22	r	r	X
easat-7042	226	23	<	<	X
easat-7042	226	24	1	1	NUM
easat-7042	226	25	,	,	PUNCT
easat-7042	226	26	with	with	ADP
easat-7042	226	27	sig	sig	PRON
easat-7042	226	28	<	<	X
easat-7042	226	29	0.001	0.001	NUM
easat-7042	226	30	.	.	PUNCT
easat-7042	227	1	furthermore	furthermore	ADV
easat-7042	227	2	,	,	PUNCT
easat-7042	227	3	939	939	NUM
easat-7042	227	4	edelweiss	edelweiss	PROPN
easat-7042	227	5	applied	apply	VERB
easat-7042	227	6	science	science	NOUN
easat-7042	227	7	and	and	CCONJ
easat-7042	227	8	technology	technology	NOUN
easat-7042	227	9	issn	issn	PROPN
easat-7042	227	10	:	:	PUNCT
easat-7042	227	11	2576	2576	NUM
easat-7042	227	12	-	-	SYM
easat-7042	227	13	8484	8484	NUM
easat-7042	227	14	vol	vol	NOUN
easat-7042	227	15	.	.	PROPN
easat-7042	228	1	9	9	NUM
easat-7042	228	2	,	,	PUNCT
easat-7042	228	3	no	no	INTJ
easat-7042	228	4	.	.	NOUN
easat-7042	228	5	5	5	NUM
easat-7042	228	6	:	:	SYM
easat-7042	228	7	930	930	NUM
easat-7042	228	8	-	-	SYM
easat-7042	228	9	946	946	NUM
easat-7042	228	10	,	,	PUNCT
easat-7042	228	11	2025	2025	NUM
easat-7042	228	12	doi	doi	NOUN
easat-7042	228	13	:	:	PUNCT
easat-7042	228	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	228	15	©	©	PROPN
easat-7042	228	16	2025	2025	NUM
easat-7042	228	17	by	by	ADP
easat-7042	228	18	the	the	DET
easat-7042	228	19	authors	author	NOUN
easat-7042	228	20	;	;	PUNCT
easat-7042	228	21	licensee	licensee	PROPN
easat-7042	228	22	learning	learning	NOUN
easat-7042	228	23	gate	gate	VERB
easat-7042	228	24	the	the	DET
easat-7042	228	25	absolute	absolute	ADJ
easat-7042	228	26	value	value	NOUN
easat-7042	228	27	of	of	ADP
easat-7042	228	28	the	the	DET
easat-7042	228	29	correlation	correlation	NOUN
easat-7042	228	30	coefficient	coefficient	NOUN
easat-7042	228	31	between	between	ADP
easat-7042	228	32	independent	independent	ADJ
easat-7042	228	33	variables	variable	NOUN
easat-7042	228	34	did	do	AUX
easat-7042	228	35	not	not	PART
easat-7042	228	36	exceed	exceed	VERB
easat-7042	228	37	0.7	0.7	NUM
easat-7042	228	38	,	,	PUNCT
easat-7042	228	39	indicating	indicate	VERB
easat-7042	228	40	that	that	SCONJ
easat-7042	228	41	there	there	PRON
easat-7042	228	42	was	be	VERB
easat-7042	228	43	no	no	DET
easat-7042	228	44	evidence	evidence	NOUN
easat-7042	228	45	of	of	ADP
easat-7042	228	46	multicollinearity	multicollinearity	NOUN
easat-7042	228	47	between	between	ADP
easat-7042	228	48	pairs	pair	NOUN
easat-7042	228	49	of	of	ADP
easat-7042	228	50	variables	variable	NOUN
easat-7042	228	51	[	[	X
easat-7042	228	52	33	33	NUM
easat-7042	228	53	]	]	PUNCT
easat-7042	228	54	.	.	PUNCT
easat-7042	229	1	table	table	NOUN
easat-7042	229	2	5	5	NUM
easat-7042	229	3	presents	present	VERB
easat-7042	229	4	the	the	DET
easat-7042	229	5	factor	factor	NOUN
easat-7042	229	6	loadings	loading	NOUN
easat-7042	229	7	after	after	ADP
easat-7042	229	8	rotation	rotation	NOUN
easat-7042	229	9	,	,	PUNCT
easat-7042	229	10	illustrating	illustrate	VERB
easat-7042	229	11	the	the	DET
easat-7042	229	12	strength	strength	NOUN
easat-7042	229	13	of	of	ADP
easat-7042	229	14	the	the	DET
easat-7042	229	15	relationship	relationship	NOUN
easat-7042	229	16	between	between	ADP
easat-7042	229	17	each	each	DET
easat-7042	229	18	observed	observe	VERB
easat-7042	229	19	variable	variable	NOUN
easat-7042	229	20	and	and	CCONJ
easat-7042	229	21	its	its	PRON
easat-7042	229	22	respective	respective	ADJ
easat-7042	229	23	extracted	extract	VERB
easat-7042	229	24	factor	factor	NOUN
easat-7042	229	25	:	:	PUNCT
easat-7042	229	26	•	•	NUM
easat-7042	229	27	factor	factor	NOUN
easat-7042	229	28	1	1	NUM
easat-7042	229	29	–	–	PUNCT
easat-7042	229	30	customer	customer	NOUN
easat-7042	229	31	outreach	outreach	NOUN
easat-7042	229	32	(	(	PUNCT
easat-7042	229	33	tch	tch	NOUN
easat-7042	229	34	):	):	PUNCT
easat-7042	229	35	comprising	comprise	VERB
easat-7042	229	36	tch1	tch1	NOUN
easat-7042	229	37	(	(	PUNCT
easat-7042	229	38	0.803	0.803	NUM
easat-7042	229	39	)	)	PUNCT
easat-7042	229	40	,	,	PUNCT
easat-7042	229	41	tch2	tch2	NOUN
easat-7042	229	42	(	(	PUNCT
easat-7042	229	43	0.774	0.774	NUM
easat-7042	229	44	)	)	PUNCT
easat-7042	229	45	,	,	PUNCT
easat-7042	229	46	tch4	tch4	NOUN
easat-7042	229	47	(	(	PUNCT
easat-7042	229	48	0.767	0.767	NUM
easat-7042	229	49	)	)	PUNCT
easat-7042	229	50	,	,	PUNCT
easat-7042	229	51	and	and	CCONJ
easat-7042	229	52	tch3	tch3	PROPN
easat-7042	229	53	(	(	PUNCT
easat-7042	229	54	0.753	0.753	NUM
easat-7042	229	55	)	)	PUNCT
easat-7042	229	56	,	,	PUNCT
easat-7042	229	57	this	this	DET
easat-7042	229	58	factor	factor	NOUN
easat-7042	229	59	reflects	reflect	VERB
easat-7042	229	60	the	the	DET
easat-7042	229	61	institutions	institution	NOUN
easat-7042	229	62	'	'	PART
easat-7042	229	63	effectiveness	effectiveness	NOUN
easat-7042	229	64	in	in	ADP
easat-7042	229	65	reaching	reach	VERB
easat-7042	229	66	and	and	CCONJ
easat-7042	229	67	engaging	engage	VERB
easat-7042	229	68	customers	customer	NOUN
easat-7042	229	69	.	.	PUNCT
easat-7042	230	1	•	•	NUM
easat-7042	230	2	factor	factor	NOUN
easat-7042	230	3	2	2	NUM
easat-7042	230	4	–	–	PUNCT
easat-7042	230	5	loan	loan	NOUN
easat-7042	230	6	portfolio	portfolio	NOUN
easat-7042	230	7	management	management	NOUN
easat-7042	230	8	(	(	PUNCT
easat-7042	230	9	ql	ql	X
easat-7042	230	10	):	):	PUNCT
easat-7042	230	11	including	include	VERB
easat-7042	230	12	ql1	ql1	NOUN
easat-7042	230	13	(	(	PUNCT
easat-7042	230	14	0.769	0.769	NUM
easat-7042	230	15	)	)	PUNCT
easat-7042	230	16	,	,	PUNCT
easat-7042	230	17	ql3	ql3	NOUN
easat-7042	230	18	(	(	PUNCT
easat-7042	230	19	0.775	0.775	NUM
easat-7042	230	20	)	)	PUNCT
easat-7042	230	21	,	,	PUNCT
easat-7042	230	22	ql4	ql4	NOUN
easat-7042	230	23	(	(	PUNCT
easat-7042	230	24	0.748	0.748	NUM
easat-7042	230	25	)	)	PUNCT
easat-7042	230	26	,	,	PUNCT
easat-7042	230	27	and	and	CCONJ
easat-7042	230	28	ql2	ql2	NOUN
easat-7042	230	29	(	(	PUNCT
easat-7042	230	30	0.747	0.747	NUM
easat-7042	230	31	)	)	PUNCT
easat-7042	230	32	,	,	PUNCT
easat-7042	230	33	this	this	DET
easat-7042	230	34	factor	factor	NOUN
easat-7042	230	35	captures	capture	VERB
easat-7042	230	36	the	the	DET
easat-7042	230	37	management	management	NOUN
easat-7042	230	38	efficiency	efficiency	NOUN
easat-7042	230	39	of	of	ADP
easat-7042	230	40	loan	loan	NOUN
easat-7042	230	41	portfolios	portfolio	NOUN
easat-7042	230	42	.	.	PUNCT
easat-7042	231	1	•	•	NUM
easat-7042	231	2	factor	factor	NOUN
easat-7042	231	3	3	3	NUM
easat-7042	231	4	–	–	PUNCT
easat-7042	231	5	financial	financial	ADJ
easat-7042	231	6	governance	governance	NOUN
easat-7042	231	7	(	(	PUNCT
easat-7042	231	8	qttc	qttc	PROPN
easat-7042	231	9	):	):	PUNCT
easat-7042	231	10	represented	represent	VERB
easat-7042	231	11	by	by	ADP
easat-7042	231	12	qttc4	qttc4	NOUN
easat-7042	231	13	(	(	PUNCT
easat-7042	231	14	0.756	0.756	NUM
easat-7042	231	15	)	)	PUNCT
easat-7042	231	16	,	,	PUNCT
easat-7042	231	17	qttc1	qttc1	NOUN
easat-7042	231	18	(	(	PUNCT
easat-7042	231	19	0.746	0.746	NUM
easat-7042	231	20	)	)	PUNCT
easat-7042	231	21	,	,	PUNCT
easat-7042	231	22	qttc2	qttc2	PROPN
easat-7042	231	23	(	(	PUNCT
easat-7042	231	24	0.736	0.736	NUM
easat-7042	231	25	)	)	PUNCT
easat-7042	231	26	,	,	PUNCT
easat-7042	231	27	and	and	CCONJ
easat-7042	231	28	qttc3	qttc3	NOUN
easat-7042	231	29	(	(	PUNCT
easat-7042	231	30	0.667	0.667	NUM
easat-7042	231	31	)	)	PUNCT
easat-7042	231	32	,	,	PUNCT
easat-7042	231	33	indicating	indicate	VERB
easat-7042	231	34	the	the	DET
easat-7042	231	35	institutions	institution	NOUN
easat-7042	231	36	'	'	PART
easat-7042	231	37	internal	internal	ADJ
easat-7042	231	38	financial	financial	ADJ
easat-7042	231	39	oversight	oversight	NOUN
easat-7042	231	40	capabilities	capability	NOUN
easat-7042	231	41	.	.	PUNCT
easat-7042	232	1	•	•	NUM
easat-7042	232	2	factor	factor	NOUN
easat-7042	232	3	4	4	NUM
easat-7042	232	4	–	–	PUNCT
easat-7042	232	5	transparency	transparency	NOUN
easat-7042	232	6	(	(	PUNCT
easat-7042	232	7	mb	mb	NOUN
easat-7042	232	8	):	):	PUNCT
easat-7042	232	9	with	with	ADP
easat-7042	232	10	loadings	loading	NOUN
easat-7042	232	11	from	from	ADP
easat-7042	232	12	mb4	mb4	PROPN
easat-7042	232	13	(	(	PUNCT
easat-7042	232	14	0.809	0.809	NUM
easat-7042	232	15	)	)	PUNCT
easat-7042	232	16	,	,	PUNCT
easat-7042	232	17	mb1	mb1	PROPN
easat-7042	232	18	(	(	PUNCT
easat-7042	232	19	0.793	0.793	NUM
easat-7042	232	20	)	)	PUNCT
easat-7042	232	21	,	,	PUNCT
easat-7042	232	22	mb2	mb2	PROPN
easat-7042	232	23	(	(	PUNCT
easat-7042	232	24	0.716	0.716	NUM
easat-7042	232	25	)	)	PUNCT
easat-7042	232	26	,	,	PUNCT
easat-7042	232	27	and	and	CCONJ
easat-7042	232	28	mb3	mb3	PROPN
easat-7042	232	29	(	(	PUNCT
easat-7042	232	30	0.694	0.694	NUM
easat-7042	232	31	)	)	PUNCT
easat-7042	232	32	,	,	PUNCT
easat-7042	232	33	this	this	DET
easat-7042	232	34	factor	factor	NOUN
easat-7042	232	35	assesses	assess	VERB
easat-7042	232	36	the	the	DET
easat-7042	232	37	level	level	NOUN
easat-7042	232	38	of	of	ADP
easat-7042	232	39	institutional	institutional	ADJ
easat-7042	232	40	transparency	transparency	NOUN
easat-7042	232	41	.	.	PUNCT
easat-7042	233	1	•	•	NUM
easat-7042	233	2	factor	factor	NOUN
easat-7042	233	3	5	5	NUM
easat-7042	233	4	–	–	PUNCT
easat-7042	233	5	financial	financial	ADJ
easat-7042	233	6	autonomy	autonomy	NOUN
easat-7042	233	7	(	(	PUNCT
easat-7042	233	8	tctc	tctc	NOUN
easat-7042	233	9	):	):	PUNCT
easat-7042	233	10	constituted	constitute	VERB
easat-7042	233	11	by	by	ADP
easat-7042	233	12	tctc1	tctc1	PROPN
easat-7042	233	13	(	(	PUNCT
easat-7042	233	14	0.783	0.783	NUM
easat-7042	233	15	)	)	PUNCT
easat-7042	233	16	,	,	PUNCT
easat-7042	233	17	tctc2	tctc2	NOUN
easat-7042	233	18	(	(	PUNCT
easat-7042	233	19	0.760	0.760	NUM
easat-7042	233	20	)	)	PUNCT
easat-7042	233	21	,	,	PUNCT
easat-7042	233	22	tctc4	tctc4	PROPN
easat-7042	233	23	(	(	PUNCT
easat-7042	233	24	0.741	0.741	NUM
easat-7042	233	25	)	)	PUNCT
easat-7042	233	26	,	,	PUNCT
easat-7042	233	27	and	and	CCONJ
easat-7042	233	28	tctc3	tctc3	NOUN
easat-7042	233	29	(	(	PUNCT
easat-7042	233	30	0.652	0.652	NUM
easat-7042	233	31	)	)	PUNCT
easat-7042	233	32	,	,	PUNCT
easat-7042	233	33	reflecting	reflect	VERB
easat-7042	233	34	the	the	DET
easat-7042	233	35	degree	degree	NOUN
easat-7042	233	36	of	of	ADP
easat-7042	233	37	independent	independent	ADJ
easat-7042	233	38	financial	financial	ADJ
easat-7042	233	39	decisionmaking	decisionmaking	NOUN
easat-7042	233	40	.	.	PUNCT
easat-7042	234	1	•	•	NUM
easat-7042	234	2	factor	factor	NOUN
easat-7042	234	3	6	6	NUM
easat-7042	234	4	–	–	PUNCT
easat-7042	234	5	productivity	productivity	NOUN
easat-7042	234	6	(	(	PUNCT
easat-7042	234	7	hq	hq	INTJ
easat-7042	234	8	):	):	PUNCT
easat-7042	234	9	comprising	comprise	VERB
easat-7042	234	10	hq1	hq1	NUM
easat-7042	234	11	(	(	PUNCT
easat-7042	234	12	0.750	0.750	NUM
easat-7042	234	13	)	)	PUNCT
easat-7042	234	14	,	,	PUNCT
easat-7042	234	15	hq2	hq2	ADJ
easat-7042	234	16	(	(	PUNCT
easat-7042	234	17	0.747	0.747	NUM
easat-7042	234	18	)	)	PUNCT
easat-7042	234	19	,	,	PUNCT
easat-7042	234	20	hq3	hq3	NOUN
easat-7042	234	21	(	(	PUNCT
easat-7042	234	22	0.740	0.740	NUM
easat-7042	234	23	)	)	PUNCT
easat-7042	234	24	,	,	PUNCT
easat-7042	234	25	and	and	CCONJ
easat-7042	234	26	hq4	hq4	PROPN
easat-7042	234	27	(	(	PUNCT
easat-7042	234	28	0.665	0.665	NUM
easat-7042	234	29	)	)	PUNCT
easat-7042	234	30	,	,	PUNCT
easat-7042	234	31	this	this	DET
easat-7042	234	32	factor	factor	NOUN
easat-7042	234	33	indicates	indicate	VERB
easat-7042	234	34	the	the	DET
easat-7042	234	35	operational	operational	ADJ
easat-7042	234	36	productivity	productivity	NOUN
easat-7042	234	37	of	of	ADP
easat-7042	234	38	the	the	DET
easat-7042	234	39	institutions	institution	NOUN
easat-7042	234	40	.	.	PUNCT
easat-7042	235	1	•	•	NUM
easat-7042	235	2	factor	factor	NOUN
easat-7042	235	3	7	7	NUM
easat-7042	235	4	–	–	PUNCT
easat-7042	235	5	organizational	organizational	ADJ
easat-7042	235	6	capacity	capacity	NOUN
easat-7042	235	7	(	(	PUNCT
easat-7042	235	8	nl	nl	NOUN
easat-7042	235	9	):	):	PUNCT
easat-7042	235	10	including	include	VERB
easat-7042	235	11	nl1	nl1	PROPN
easat-7042	235	12	(	(	PUNCT
easat-7042	235	13	0.805	0.805	NUM
easat-7042	235	14	)	)	PUNCT
easat-7042	235	15	,	,	PUNCT
easat-7042	235	16	nl4	nl4	INTJ
easat-7042	235	17	(	(	PUNCT
easat-7042	235	18	0.752	0.752	NUM
easat-7042	235	19	)	)	PUNCT
easat-7042	235	20	,	,	PUNCT
easat-7042	235	21	nl3	nl3	PROPN
easat-7042	235	22	(	(	PUNCT
easat-7042	235	23	0.707	0.707	NUM
easat-7042	235	24	)	)	PUNCT
easat-7042	235	25	,	,	PUNCT
easat-7042	235	26	and	and	CCONJ
easat-7042	235	27	nl2	nl2	NOUN
easat-7042	235	28	(	(	PUNCT
easat-7042	235	29	0.569	0.569	NUM
easat-7042	235	30	)	)	PUNCT
easat-7042	235	31	,	,	PUNCT
easat-7042	235	32	this	this	DET
easat-7042	235	33	factor	factor	NOUN
easat-7042	235	34	represents	represent	VERB
easat-7042	235	35	the	the	DET
easat-7042	235	36	overall	overall	ADJ
easat-7042	235	37	capacity	capacity	NOUN
easat-7042	235	38	and	and	CCONJ
easat-7042	235	39	competency	competency	NOUN
easat-7042	235	40	of	of	ADP
easat-7042	235	41	the	the	DET
easat-7042	235	42	organizational	organizational	ADJ
easat-7042	235	43	structure	structure	NOUN
easat-7042	235	44	.	.	PUNCT
easat-7042	236	1	•	•	NUM
easat-7042	236	2	factor	factor	NOUN
easat-7042	236	3	8	8	NUM
easat-7042	236	4	–	–	PUNCT
easat-7042	236	5	governance	governance	NOUN
easat-7042	236	6	quality	quality	NOUN
easat-7042	236	7	(	(	PUNCT
easat-7042	236	8	cl	cl	NOUN
easat-7042	236	9	):	):	PUNCT
easat-7042	236	10	reflected	reflect	VERB
easat-7042	236	11	by	by	ADP
easat-7042	236	12	cl3	cl3	PROPN
easat-7042	236	13	(	(	PUNCT
easat-7042	236	14	0.731	0.731	NUM
easat-7042	236	15	)	)	PUNCT
easat-7042	236	16	,	,	PUNCT
easat-7042	236	17	cl2	cl2	NOUN
easat-7042	236	18	(	(	PUNCT
easat-7042	236	19	0.724	0.724	NUM
easat-7042	236	20	)	)	PUNCT
easat-7042	236	21	,	,	PUNCT
easat-7042	236	22	cl4	cl4	PROPN
easat-7042	236	23	(	(	PUNCT
easat-7042	236	24	0.705	0.705	NUM
easat-7042	236	25	)	)	PUNCT
easat-7042	236	26	,	,	PUNCT
easat-7042	236	27	and	and	CCONJ
easat-7042	236	28	cl1	cl1	NOUN
easat-7042	236	29	(	(	PUNCT
easat-7042	236	30	0.698	0.698	NUM
easat-7042	236	31	)	)	PUNCT
easat-7042	236	32	,	,	PUNCT
easat-7042	236	33	this	this	DET
easat-7042	236	34	factor	factor	NOUN
easat-7042	236	35	measures	measure	VERB
easat-7042	236	36	the	the	DET
easat-7042	236	37	governance	governance	NOUN
easat-7042	236	38	practices	practice	NOUN
easat-7042	236	39	within	within	ADP
easat-7042	236	40	the	the	DET
easat-7042	236	41	institutions	institution	NOUN
easat-7042	236	42	.	.	PUNCT
easat-7042	237	1	in	in	ADP
easat-7042	237	2	line	line	NOUN
easat-7042	237	3	with	with	ADP
easat-7042	237	4	standard	standard	ADJ
easat-7042	237	5	thresholds	threshold	NOUN
easat-7042	237	6	for	for	ADP
easat-7042	237	7	factor	factor	NOUN
easat-7042	237	8	analysis	analysis	NOUN
easat-7042	237	9	,	,	PUNCT
easat-7042	237	10	all	all	DET
easat-7042	237	11	observed	observed	ADJ
easat-7042	237	12	variables	variable	NOUN
easat-7042	237	13	demonstrated	demonstrate	VERB
easat-7042	237	14	factor	factor	NOUN
easat-7042	237	15	loadings	loading	NOUN
easat-7042	237	16	above	above	ADP
easat-7042	237	17	0.5	0.5	NUM
easat-7042	237	18	(	(	PUNCT
easat-7042	237	19	the	the	DET
easat-7042	237	20	minimum	minimum	ADJ
easat-7042	237	21	acceptable	acceptable	ADJ
easat-7042	237	22	level	level	NOUN
easat-7042	237	23	)	)	PUNCT
easat-7042	237	24	,	,	PUNCT
easat-7042	237	25	with	with	ADP
easat-7042	237	26	most	most	ADV
easat-7042	237	27	exceeding	exceed	VERB
easat-7042	237	28	0.7	0.7	NUM
easat-7042	237	29	,	,	PUNCT
easat-7042	237	30	indicating	indicate	VERB
easat-7042	237	31	robust	robust	ADJ
easat-7042	237	32	convergent	convergent	NOUN
easat-7042	237	33	validity	validity	NOUN
easat-7042	237	34	.	.	PUNCT
easat-7042	238	1	importantly	importantly	ADV
easat-7042	238	2	,	,	PUNCT
easat-7042	238	3	there	there	PRON
easat-7042	238	4	were	be	VERB
easat-7042	238	5	no	no	DET
easat-7042	238	6	significant	significant	ADJ
easat-7042	238	7	cross	cross	NOUN
easat-7042	238	8	-	-	NOUN
easat-7042	238	9	loadings	loading	NOUN
easat-7042	238	10	,	,	PUNCT
easat-7042	238	11	meaning	mean	VERB
easat-7042	238	12	each	each	DET
easat-7042	238	13	variable	variable	NOUN
easat-7042	238	14	loaded	load	VERB
easat-7042	238	15	strongly	strongly	ADV
easat-7042	238	16	on	on	ADP
easat-7042	238	17	only	only	ADV
easat-7042	238	18	one	one	NUM
easat-7042	238	19	factor	factor	NOUN
easat-7042	238	20	,	,	PUNCT
easat-7042	238	21	further	far	ADV
easat-7042	238	22	affirming	affirm	VERB
easat-7042	238	23	the	the	DET
easat-7042	238	24	discriminant	discriminant	ADJ
easat-7042	238	25	validity	validity	NOUN
easat-7042	238	26	and	and	CCONJ
easat-7042	238	27	structural	structural	ADJ
easat-7042	238	28	integrity	integrity	NOUN
easat-7042	238	29	of	of	ADP
easat-7042	238	30	the	the	DET
easat-7042	238	31	factor	factor	NOUN
easat-7042	238	32	model	model	NOUN
easat-7042	238	33	.	.	PUNCT
easat-7042	239	1	940	940	NUM
easat-7042	239	2	edelweiss	edelweiss	PROPN
easat-7042	239	3	applied	apply	VERB
easat-7042	239	4	science	science	NOUN
easat-7042	239	5	and	and	CCONJ
easat-7042	239	6	technology	technology	NOUN
easat-7042	239	7	issn	issn	PROPN
easat-7042	239	8	:	:	PUNCT
easat-7042	239	9	2576	2576	NUM
easat-7042	239	10	-	-	SYM
easat-7042	239	11	8484	8484	NUM
easat-7042	239	12	vol	vol	NOUN
easat-7042	239	13	.	.	PROPN
easat-7042	240	1	9	9	NUM
easat-7042	240	2	,	,	PUNCT
easat-7042	240	3	no	no	INTJ
easat-7042	240	4	.	.	NOUN
easat-7042	240	5	5	5	NUM
easat-7042	240	6	:	:	SYM
easat-7042	240	7	930	930	NUM
easat-7042	240	8	-	-	SYM
easat-7042	240	9	946	946	NUM
easat-7042	240	10	,	,	PUNCT
easat-7042	240	11	2025	2025	NUM
easat-7042	240	12	doi	doi	NOUN
easat-7042	240	13	:	:	PUNCT
easat-7042	240	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	240	15	©	©	PROPN
easat-7042	240	16	2025	2025	NUM
easat-7042	240	17	by	by	ADP
easat-7042	240	18	the	the	DET
easat-7042	240	19	authors	author	NOUN
easat-7042	240	20	;	;	PUNCT
easat-7042	240	21	licensee	licensee	PROPN
easat-7042	240	22	learning	learn	VERB
easat-7042	240	23	gate	gate	NOUN
easat-7042	240	24	table	table	NOUN
easat-7042	240	25	5	5	NUM
easat-7042	240	26	.	.	PUNCT
easat-7042	240	27	rotated	rotate	VERB
easat-7042	240	28	component	component	NOUN
easat-7042	240	29	matrix	matrix	NOUN
easat-7042	240	30	.	.	PUNCT
easat-7042	241	1	scales	scale	VERB
easat-7042	241	2	components	component	NOUN
easat-7042	241	3	1	1	NUM
easat-7042	241	4	2	2	NUM
easat-7042	241	5	3	3	NUM
easat-7042	241	6	4	4	NUM
easat-7042	241	7	5	5	NUM
easat-7042	241	8	6	6	NUM
easat-7042	241	9	7	7	NUM
easat-7042	241	10	8	8	NUM
easat-7042	241	11	kh2	kh2	NOUN
easat-7042	241	12	0.803	0.803	NUM
easat-7042	241	13	kh3	kh3	NOUN
easat-7042	241	14	0.774	0.774	NUM
easat-7042	241	15	kh4	kh4	NOUN
easat-7042	241	16	0.760	0.760	NUM
easat-7042	241	17	kh1	kh1	NOUN
easat-7042	241	18	0.753	0.753	NUM
easat-7042	241	19	ql1	ql1	VERB
easat-7042	241	20	0.798	0.798	NUM
easat-7042	241	21	ql3	ql3	NOUN
easat-7042	241	22	0.775	0.775	NUM
easat-7042	241	23	ql4	ql4	NOUN
easat-7042	241	24	0.748	0.748	NUM
easat-7042	241	25	ql2	ql2	NOUN
easat-7042	241	26	0.747	0.747	NUM
easat-7042	241	27	qttc4	qttc4	NOUN
easat-7042	241	28	0.756	0.756	NUM
easat-7042	241	29	qttc1	qttc1	NOUN
easat-7042	241	30	0.746	0.746	NUM
easat-7042	241	31	qttc2	qttc2	NOUN
easat-7042	241	32	0.736	0.736	NUM
easat-7042	241	33	qttc3	qttc3	NOUN
easat-7042	241	34	0.687	0.687	NUM
easat-7042	241	35	mb4	mb4	PROPN
easat-7042	241	36	0.809	0.809	NUM
easat-7042	241	37	mb1	mb1	PROPN
easat-7042	241	38	0.782	0.782	NUM
easat-7042	241	39	mb2	mb2	PROPN
easat-7042	241	40	0.716	0.716	NUM
easat-7042	241	41	mb3	mb3	NOUN
easat-7042	241	42	0.694	0.694	NUM
easat-7042	241	43	tctc1	tctc1	NOUN
easat-7042	241	44	0.783	0.783	NUM
easat-7042	241	45	tctc2	tctc2	NOUN
easat-7042	241	46	0.760	0.760	NUM
easat-7042	241	47	tctc4	tctc4	NOUN
easat-7042	241	48	0.741	0.741	NUM
easat-7042	241	49	tctc3	tctc3	NOUN
easat-7042	241	50	0.652	0.652	NUM
easat-7042	241	51	hq1	hq1	ADJ
easat-7042	241	52	0.750	0.750	NUM
easat-7042	241	53	hq2	hq2	NOUN
easat-7042	241	54	0.747	0.747	NUM
easat-7042	241	55	hq3	hq3	NOUN
easat-7042	241	56	0.740	0.740	NUM
easat-7042	241	57	hq4	hq4	PROPN
easat-7042	241	58	0.663	0.663	NUM
easat-7042	241	59	nl1	nl1	PROPN
easat-7042	241	60	0.805	0.805	NUM
easat-7042	241	61	nl4	nl4	NOUN
easat-7042	241	62	0.732	0.732	NUM
easat-7042	241	63	nl3	nl3	NOUN
easat-7042	241	64	0.707	0.707	NUM
easat-7042	241	65	nl2	nl2	NOUN
easat-7042	241	66	0.660	0.660	NUM
easat-7042	241	67	cl3	cl3	PROPN
easat-7042	241	68	0.751	0.751	NUM
easat-7042	241	69	cl2	cl2	PROPN
easat-7042	241	70	0.745	0.745	NUM
easat-7042	241	71	cl4	cl4	PROPN
easat-7042	241	72	0.708	0.708	NUM
easat-7042	241	73	cl1	cl1	NOUN
easat-7042	241	74	0.698	0.698	NUM
easat-7042	241	75	nl	nl	NOUN
easat-7042	241	76	is	be	AUX
easat-7042	241	77	positively	positively	ADV
easat-7042	241	78	and	and	CCONJ
easat-7042	241	79	significantly	significantly	ADV
easat-7042	241	80	correlated	correlate	VERB
easat-7042	241	81	with	with	ADP
easat-7042	241	82	all	all	DET
easat-7042	241	83	other	other	ADJ
easat-7042	241	84	variables	variable	NOUN
easat-7042	241	85	,	,	PUNCT
easat-7042	241	86	with	with	ADP
easat-7042	241	87	the	the	DET
easat-7042	241	88	strongest	strong	ADJ
easat-7042	241	89	associations	association	NOUN
easat-7042	241	90	observed	observe	VERB
easat-7042	241	91	with	with	ADP
easat-7042	241	92	tbv	tbv	PROPN
easat-7042	241	93	(	(	PUNCT
easat-7042	241	94	r	r	NOUN
easat-7042	241	95	=	=	SYM
easat-7042	241	96	0.575	0.575	NUM
easat-7042	241	97	,	,	PUNCT
easat-7042	241	98	p	p	X
easat-7042	241	99	<	<	X
easat-7042	241	100	0.01	0.01	NUM
easat-7042	241	101	)	)	PUNCT
easat-7042	241	102	and	and	CCONJ
easat-7042	241	103	hq	hq	INTJ
easat-7042	241	104	(	(	PUNCT
easat-7042	241	105	r	r	NOUN
easat-7042	241	106	=	=	SYM
easat-7042	241	107	0.417	0.417	NUM
easat-7042	241	108	,	,	PUNCT
easat-7042	241	109	p	p	X
easat-7042	241	110	<	<	X
easat-7042	241	111	0.01	0.01	NUM
easat-7042	241	112	)	)	PUNCT
easat-7042	241	113	.	.	PUNCT
easat-7042	242	1	hq	hq	PROPN
easat-7042	242	2	is	be	AUX
easat-7042	242	3	positively	positively	ADV
easat-7042	242	4	and	and	CCONJ
easat-7042	242	5	significantly	significantly	ADV
easat-7042	242	6	correlated	correlate	VERB
easat-7042	242	7	with	with	ADP
easat-7042	242	8	all	all	DET
easat-7042	242	9	constructs	construct	NOUN
easat-7042	242	10	,	,	PUNCT
easat-7042	242	11	most	most	ADV
easat-7042	242	12	notably	notably	ADV
easat-7042	242	13	with	with	ADP
easat-7042	242	14	tctc	tctc	NOUN
easat-7042	242	15	(	(	PUNCT
easat-7042	242	16	r	r	NOUN
easat-7042	242	17	=	=	SYM
easat-7042	242	18	0.478	0.478	NUM
easat-7042	242	19	,	,	PUNCT
easat-7042	242	20	p	p	X
easat-7042	242	21	<	<	X
easat-7042	242	22	0.01	0.01	NUM
easat-7042	242	23	)	)	PUNCT
easat-7042	242	24	and	and	CCONJ
easat-7042	242	25	tbv	tbv	PRON
easat-7042	242	26	(	(	PUNCT
easat-7042	242	27	r	r	NOUN
easat-7042	242	28	=	=	SYM
easat-7042	242	29	0.502	0.502	NUM
easat-7042	242	30	,	,	PUNCT
easat-7042	242	31	p	p	X
easat-7042	242	32	<	<	X
easat-7042	242	33	0.01	0.01	NUM
easat-7042	242	34	)	)	PUNCT
easat-7042	242	35	.	.	PUNCT
easat-7042	243	1	ql	ql	PROPN
easat-7042	243	2	shows	show	VERB
easat-7042	243	3	significant	significant	ADJ
easat-7042	243	4	positive	positive	ADJ
easat-7042	243	5	correlations	correlation	NOUN
easat-7042	243	6	with	with	ADP
easat-7042	243	7	all	all	DET
easat-7042	243	8	variables	variable	NOUN
easat-7042	243	9	,	,	PUNCT
easat-7042	243	10	especially	especially	ADV
easat-7042	243	11	with	with	ADP
easat-7042	243	12	cl	cl	NOUN
easat-7042	243	13	(	(	PUNCT
easat-7042	243	14	r	r	NOUN
easat-7042	243	15	=	=	NOUN
easat-7042	243	16	0.455	0.455	NUM
easat-7042	243	17	,	,	PUNCT
easat-7042	243	18	p	p	X
easat-7042	243	19	<	<	X
easat-7042	243	20	0.01	0.01	NUM
easat-7042	243	21	)	)	PUNCT
easat-7042	243	22	and	and	CCONJ
easat-7042	243	23	tbv	tbv	PRON
easat-7042	243	24	(	(	PUNCT
easat-7042	243	25	r	r	NOUN
easat-7042	243	26	=	=	NOUN
easat-7042	243	27	0.521	0.521	NUM
easat-7042	243	28	,	,	PUNCT
easat-7042	243	29	p	p	X
easat-7042	243	30	<	<	X
easat-7042	243	31	0.01	0.01	NUM
easat-7042	243	32	)	)	PUNCT
easat-7042	243	33	.	.	PUNCT
easat-7042	244	1	cl	cl	NOUN
easat-7042	244	2	is	be	AUX
easat-7042	244	3	strongly	strongly	ADV
easat-7042	244	4	associated	associate	VERB
easat-7042	244	5	with	with	ADP
easat-7042	244	6	qttc	qttc	NOUN
easat-7042	244	7	(	(	PUNCT
easat-7042	244	8	r	r	NOUN
easat-7042	244	9	=	=	NOUN
easat-7042	244	10	0.441	0.441	NUM
easat-7042	244	11	,	,	PUNCT
easat-7042	244	12	p	p	X
easat-7042	244	13	<	<	X
easat-7042	244	14	0.01	0.01	NUM
easat-7042	244	15	)	)	PUNCT
easat-7042	244	16	and	and	CCONJ
easat-7042	244	17	tbv	tbv	PRON
easat-7042	244	18	(	(	PUNCT
easat-7042	244	19	r	r	NOUN
easat-7042	244	20	=	=	SYM
easat-7042	244	21	0.546	0.546	NUM
easat-7042	244	22	,	,	PUNCT
easat-7042	244	23	p	p	X
easat-7042	244	24	<	<	X
easat-7042	244	25	0.01	0.01	NUM
easat-7042	244	26	)	)	PUNCT
easat-7042	244	27	.	.	PUNCT
easat-7042	245	1	qttc	qttc	PROPN
easat-7042	245	2	also	also	ADV
easat-7042	245	3	exhibits	exhibit	VERB
easat-7042	245	4	significant	significant	ADJ
easat-7042	245	5	positive	positive	ADJ
easat-7042	245	6	correlations	correlation	NOUN
easat-7042	245	7	with	with	ADP
easat-7042	245	8	all	all	DET
easat-7042	245	9	variables	variable	NOUN
easat-7042	245	10	,	,	PUNCT
easat-7042	245	11	particularly	particularly	ADV
easat-7042	245	12	with	with	ADP
easat-7042	245	13	tbv	tbv	PROPN
easat-7042	245	14	(	(	PUNCT
easat-7042	245	15	r	r	NOUN
easat-7042	245	16	=	=	PUNCT
easat-7042	245	17	0.465	0.465	NUM
easat-7042	245	18	,	,	PUNCT
easat-7042	245	19	p	p	X
easat-7042	245	20	<	<	X
easat-7042	245	21	0.01	0.01	NUM
easat-7042	245	22	)	)	PUNCT
easat-7042	245	23	.	.	PUNCT
easat-7042	246	1	tch	tch	PROPN
easat-7042	246	2	shows	show	VERB
easat-7042	246	3	strong	strong	ADJ
easat-7042	246	4	positive	positive	ADJ
easat-7042	246	5	relationships	relationship	NOUN
easat-7042	246	6	across	across	ADP
easat-7042	246	7	variables	variable	NOUN
easat-7042	246	8	,	,	PUNCT
easat-7042	246	9	with	with	ADP
easat-7042	246	10	the	the	DET
easat-7042	246	11	most	most	ADV
easat-7042	246	12	pronounced	pronounce	VERB
easat-7042	246	13	correlation	correlation	NOUN
easat-7042	246	14	being	be	AUX
easat-7042	246	15	with	with	ADP
easat-7042	246	16	mb	mb	ADP
easat-7042	246	17	(	(	PUNCT
easat-7042	246	18	r	r	NOUN
easat-7042	246	19	=	=	NOUN
easat-7042	246	20	0.392	0.392	NUM
easat-7042	246	21	,	,	PUNCT
easat-7042	246	22	p	p	X
easat-7042	246	23	<	<	X
easat-7042	246	24	0.01	0.01	NUM
easat-7042	246	25	)	)	PUNCT
easat-7042	246	26	and	and	CCONJ
easat-7042	246	27	especially	especially	ADV
easat-7042	246	28	tbv	tbv	PROPN
easat-7042	246	29	(	(	PUNCT
easat-7042	246	30	r	r	NOUN
easat-7042	246	31	=	=	SYM
easat-7042	246	32	0.674	0.674	NUM
easat-7042	246	33	,	,	PUNCT
easat-7042	246	34	p	p	X
easat-7042	246	35	<	<	X
easat-7042	246	36	0.01	0.01	NUM
easat-7042	246	37	)	)	PUNCT
easat-7042	246	38	,	,	PUNCT
easat-7042	246	39	highlighting	highlight	VERB
easat-7042	246	40	the	the	DET
easat-7042	246	41	critical	critical	ADJ
easat-7042	246	42	role	role	NOUN
easat-7042	246	43	of	of	ADP
easat-7042	246	44	outreach	outreach	NOUN
easat-7042	246	45	in	in	ADP
easat-7042	246	46	enhancing	enhance	VERB
easat-7042	246	47	sustainability	sustainability	NOUN
easat-7042	246	48	.	.	PUNCT
easat-7042	247	1	mb	mb	PROPN
easat-7042	247	2	is	be	AUX
easat-7042	247	3	significantly	significantly	ADV
easat-7042	247	4	associated	associate	VERB
easat-7042	247	5	with	with	ADP
easat-7042	247	6	tctc	tctc	NOUN
easat-7042	247	7	(	(	PUNCT
easat-7042	247	8	r	r	NOUN
easat-7042	247	9	=	=	NOUN
easat-7042	247	10	0.414	0.414	NUM
easat-7042	247	11	,	,	PUNCT
easat-7042	247	12	p	p	X
easat-7042	247	13	<	<	X
easat-7042	247	14	0.01	0.01	NUM
easat-7042	247	15	)	)	PUNCT
easat-7042	247	16	and	and	CCONJ
easat-7042	247	17	tbv	tbv	PRON
easat-7042	247	18	(	(	PUNCT
easat-7042	247	19	r	r	NOUN
easat-7042	247	20	=	=	SYM
easat-7042	247	21	0.534	0.534	NUM
easat-7042	247	22	,	,	PUNCT
easat-7042	247	23	p	p	X
easat-7042	247	24	<	<	X
easat-7042	247	25	0.01	0.01	NUM
easat-7042	247	26	)	)	PUNCT
easat-7042	247	27	.	.	PUNCT
easat-7042	248	1	tctc	tctc	NOUN
easat-7042	248	2	shows	show	VERB
easat-7042	248	3	the	the	DET
easat-7042	248	4	strongest	strong	ADJ
easat-7042	248	5	positive	positive	ADJ
easat-7042	248	6	correlation	correlation	NOUN
easat-7042	248	7	with	with	ADP
easat-7042	248	8	tbv	tbv	PROPN
easat-7042	248	9	(	(	PUNCT
easat-7042	248	10	r	r	NOUN
easat-7042	248	11	=	=	NOUN
easat-7042	248	12	0.376	0.376	NOUN
easat-7042	248	13	,	,	PUNCT
easat-7042	248	14	p	p	X
easat-7042	248	15	<	<	X
easat-7042	248	16	0.01	0.01	NUM
easat-7042	248	17	)	)	PUNCT
easat-7042	248	18	.	.	PUNCT
easat-7042	249	1	(	(	PUNCT
easat-7042	249	2	table	table	NOUN
easat-7042	249	3	6	6	NUM
easat-7042	249	4	)	)	PUNCT
easat-7042	249	5	.	.	PUNCT
easat-7042	250	1	in	in	ADP
easat-7042	250	2	conclusion	conclusion	NOUN
easat-7042	250	3	,	,	PUNCT
easat-7042	250	4	all	all	DET
easat-7042	250	5	variables	variable	NOUN
easat-7042	250	6	exhibit	exhibit	VERB
easat-7042	250	7	statistically	statistically	ADV
easat-7042	250	8	significant	significant	ADJ
easat-7042	250	9	positive	positive	ADJ
easat-7042	250	10	intercorrelations	intercorrelation	NOUN
easat-7042	250	11	at	at	ADP
easat-7042	250	12	the	the	DET
easat-7042	250	13	0.01	0.01	NUM
easat-7042	250	14	level	level	NOUN
easat-7042	250	15	,	,	PUNCT
easat-7042	250	16	indicating	indicate	VERB
easat-7042	250	17	tight	tight	ADJ
easat-7042	250	18	interrelationships	interrelationship	NOUN
easat-7042	250	19	across	across	ADP
easat-7042	250	20	the	the	DET
easat-7042	250	21	research	research	NOUN
easat-7042	250	22	dimensions	dimension	NOUN
easat-7042	250	23	.	.	PUNCT
easat-7042	251	1	most	most	ADV
easat-7042	251	2	notably	notably	ADV
easat-7042	251	3	,	,	PUNCT
easat-7042	251	4	each	each	PRON
easat-7042	251	5	construct	construct	NOUN
easat-7042	251	6	maintains	maintain	VERB
easat-7042	251	7	a	a	DET
easat-7042	251	8	strong	strong	ADJ
easat-7042	251	9	,	,	PUNCT
easat-7042	251	10	significant	significant	ADJ
easat-7042	251	11	association	association	NOUN
easat-7042	251	12	with	with	ADP
easat-7042	251	13	the	the	DET
easat-7042	251	14	dependent	dependent	ADJ
easat-7042	251	15	variable	variable	NOUN
easat-7042	251	16	,	,	PUNCT
easat-7042	251	17	tbv	tbv	PROPN
easat-7042	251	18	.	.	PUNCT
easat-7042	252	1	the	the	DET
easat-7042	252	2	strongest	strong	ADJ
easat-7042	252	3	relationship	relationship	NOUN
easat-7042	252	4	is	be	AUX
easat-7042	252	5	observed	observe	VERB
easat-7042	252	6	between	between	ADP
easat-7042	252	7	tch	tch	NOUN
easat-7042	252	8	and	and	CCONJ
easat-7042	252	9	tbv	tbv	PROPN
easat-7042	252	10	(	(	PUNCT
easat-7042	252	11	r	r	NOUN
easat-7042	252	12	=	=	SYM
easat-7042	252	13	0.674	0.674	NUM
easat-7042	252	14	,	,	PUNCT
easat-7042	252	15	p	p	X
easat-7042	252	16	<	<	X
easat-7042	252	17	0.01	0.01	NUM
easat-7042	252	18	)	)	PUNCT
easat-7042	252	19	,	,	PUNCT
easat-7042	252	20	underscoring	underscore	VERB
easat-7042	252	21	the	the	DET
easat-7042	252	22	pivotal	pivotal	ADJ
easat-7042	252	23	role	role	NOUN
easat-7042	252	24	of	of	ADP
easat-7042	252	25	customer	customer	NOUN
easat-7042	252	26	engagement	engagement	NOUN
easat-7042	252	27	in	in	ADP
easat-7042	252	28	ensuring	ensure	VERB
easat-7042	252	29	institutional	institutional	ADJ
easat-7042	252	30	sustainability	sustainability	NOUN
easat-7042	252	31	[	[	X
easat-7042	252	32	33	33	NUM
easat-7042	252	33	]	]	PUNCT
easat-7042	252	34	.	.	PUNCT
easat-7042	253	1	941	941	NUM
easat-7042	253	2	edelweiss	edelweiss	PROPN
easat-7042	253	3	applied	apply	VERB
easat-7042	253	4	science	science	NOUN
easat-7042	253	5	and	and	CCONJ
easat-7042	253	6	technology	technology	NOUN
easat-7042	253	7	issn	issn	PROPN
easat-7042	253	8	:	:	PUNCT
easat-7042	253	9	2576	2576	NUM
easat-7042	253	10	-	-	SYM
easat-7042	253	11	8484	8484	NUM
easat-7042	253	12	vol	vol	NOUN
easat-7042	253	13	.	.	PROPN
easat-7042	254	1	9	9	NUM
easat-7042	254	2	,	,	PUNCT
easat-7042	254	3	no	no	INTJ
easat-7042	254	4	.	.	NOUN
easat-7042	254	5	5	5	NUM
easat-7042	254	6	:	:	SYM
easat-7042	254	7	930	930	NUM
easat-7042	254	8	-	-	SYM
easat-7042	254	9	946	946	NUM
easat-7042	254	10	,	,	PUNCT
easat-7042	254	11	2025	2025	NUM
easat-7042	254	12	doi	doi	NOUN
easat-7042	254	13	:	:	PUNCT
easat-7042	254	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	254	15	©	©	PROPN
easat-7042	254	16	2025	2025	NUM
easat-7042	254	17	by	by	ADP
easat-7042	254	18	the	the	DET
easat-7042	254	19	authors	author	NOUN
easat-7042	254	20	;	;	PUNCT
easat-7042	255	1	licensee	licensee	PROPN
easat-7042	255	2	learning	learn	VERB
easat-7042	255	3	gate	gate	NOUN
easat-7042	255	4	table	table	NOUN
easat-7042	255	5	6	6	NUM
easat-7042	255	6	.	.	PUNCT
easat-7042	256	1	pearson	pearson	PROPN
easat-7042	256	2	correlation	correlation	NOUN
easat-7042	256	3	analysis	analysis	NOUN
easat-7042	256	4	results	result	NOUN
easat-7042	256	5	.	.	PUNCT
easat-7042	257	1	factor	factor	NOUN
easat-7042	257	2	nl	nl	PROPN
easat-7042	257	3	hq	hq	PROPN
easat-7042	257	4	ql	ql	CCONJ
easat-7042	257	5	cl	cl	NOUN
easat-7042	257	6	qttc	qttc	NOUN
easat-7042	257	7	kh	kh	PROPN
easat-7042	257	8	mb	mb	PROPN
easat-7042	257	9	tctc	tctc	VERB
easat-7042	257	10	tbv	tbv	DET
easat-7042	257	11	nl	nl	NOUN
easat-7042	257	12	1	1	NUM
easat-7042	257	13	0.417	0.417	NUM
easat-7042	257	14	*	*	PUNCT
easat-7042	257	15	*	*	NOUN
easat-7042	257	16	0.273	0.273	NUM
easat-7042	257	17	*	*	PUNCT
easat-7042	257	18	*	*	PUNCT
easat-7042	257	19	0.500	0.500	NUM
easat-7042	257	20	*	*	PUNCT
easat-7042	257	21	*	*	PUNCT
easat-7042	257	22	0.435	0.435	NUM
easat-7042	257	23	*	*	X
easat-7042	257	24	*	*	PUNCT
easat-7042	257	25	0.483	0.483	NUM
easat-7042	257	26	*	*	PUNCT
easat-7042	257	27	*	*	PUNCT
easat-7042	257	28	0.420	0.420	NUM
easat-7042	257	29	*	*	PUNCT
easat-7042	257	30	*	*	PUNCT
easat-7042	257	31	0.394	0.394	NUM
easat-7042	257	32	*	*	X
easat-7042	257	33	*	*	NOUN
easat-7042	257	34	0.575	0.575	NUM
easat-7042	257	35	*	*	PUNCT
easat-7042	257	36	*	*	NOUN
easat-7042	257	37	hq	hq	NOUN
easat-7042	257	38	0.417	0.417	NUM
easat-7042	257	39	*	*	PUNCT
easat-7042	257	40	*	*	NOUN
easat-7042	257	41	1	1	NUM
easat-7042	257	42	0.396	0.396	NUM
easat-7042	257	43	*	*	PUNCT
easat-7042	257	44	*	*	PUNCT
easat-7042	257	45	0.435	0.435	NUM
easat-7042	257	46	*	*	X
easat-7042	257	47	*	*	X
easat-7042	257	48	0.524	0.524	NUM
easat-7042	257	49	*	*	PUNCT
easat-7042	257	50	*	*	PUNCT
easat-7042	257	51	0.494	0.494	NUM
easat-7042	257	52	*	*	PUNCT
easat-7042	257	53	*	*	X
easat-7042	257	54	0.456	0.456	NUM
easat-7042	257	55	*	*	PUNCT
easat-7042	257	56	*	*	PUNCT
easat-7042	257	57	0.478	0.478	NUM
easat-7042	257	58	*	*	X
easat-7042	257	59	*	*	PUNCT
easat-7042	257	60	0.582	0.582	NUM
easat-7042	257	61	*	*	PUNCT
easat-7042	257	62	*	*	PUNCT
easat-7042	257	63	ql	ql	ADP
easat-7042	257	64	0.273	0.273	NUM
easat-7042	257	65	*	*	NOUN
easat-7042	257	66	*	*	PUNCT
easat-7042	257	67	0.396	0.396	NUM
easat-7042	257	68	*	*	PUNCT
easat-7042	257	69	*	*	PUNCT
easat-7042	257	70	1	1	NUM
easat-7042	257	71	0.341	0.341	NUM
easat-7042	257	72	*	*	PUNCT
easat-7042	257	73	*	*	PUNCT
easat-7042	257	74	0.408	0.408	NUM
easat-7042	257	75	*	*	PUNCT
easat-7042	257	76	*	*	PUNCT
easat-7042	257	77	0.399	0.399	NUM
easat-7042	257	78	*	*	X
easat-7042	257	79	*	*	X
easat-7042	257	80	0.368	0.368	NUM
easat-7042	257	81	*	*	PUNCT
easat-7042	257	82	*	*	PUNCT
easat-7042	257	83	0.471	0.471	NUM
easat-7042	257	84	*	*	PUNCT
easat-7042	257	85	*	*	PUNCT
easat-7042	257	86	0.521	0.521	NUM
easat-7042	257	87	*	*	NOUN
easat-7042	257	88	*	*	NOUN
easat-7042	257	89	cl	cl	NOUN
easat-7042	257	90	0.500	0.500	NUM
easat-7042	257	91	*	*	PUNCT
easat-7042	257	92	*	*	PUNCT
easat-7042	257	93	0.435	0.435	NUM
easat-7042	257	94	*	*	X
easat-7042	257	95	*	*	PUNCT
easat-7042	257	96	0.341	0.341	NUM
easat-7042	257	97	*	*	SYM
easat-7042	257	98	*	*	NOUN
easat-7042	257	99	1	1	NUM
easat-7042	257	100	0.441	0.441	NUM
easat-7042	257	101	*	*	PUNCT
easat-7042	257	102	*	*	NOUN
easat-7042	257	103	0.413	0.413	NUM
easat-7042	257	104	*	*	X
easat-7042	257	105	*	*	X
easat-7042	257	106	0.434	0.434	NUM
easat-7042	257	107	*	*	PUNCT
easat-7042	257	108	*	*	PUNCT
easat-7042	257	109	0.458	0.458	NUM
easat-7042	257	110	*	*	PUNCT
easat-7042	257	111	*	*	PUNCT
easat-7042	257	112	0.546	0.546	NUM
easat-7042	257	113	*	*	PUNCT
easat-7042	257	114	*	*	PUNCT
easat-7042	257	115	qttc	qttc	PROPN
easat-7042	257	116	0.435	0.435	NUM
easat-7042	257	117	*	*	NOUN
easat-7042	257	118	*	*	X
easat-7042	257	119	0.524	0.524	NUM
easat-7042	257	120	*	*	PUNCT
easat-7042	257	121	*	*	PUNCT
easat-7042	257	122	0.408	0.408	NUM
easat-7042	257	123	*	*	PUNCT
easat-7042	257	124	*	*	PUNCT
easat-7042	257	125	0.441	0.441	NUM
easat-7042	257	126	*	*	PUNCT
easat-7042	257	127	*	*	NOUN
easat-7042	257	128	1	1	NUM
easat-7042	257	129	0.306	0.306	NUM
easat-7042	257	130	*	*	PUNCT
easat-7042	257	131	*	*	PUNCT
easat-7042	257	132	0.405	0.405	NUM
easat-7042	257	133	*	*	NOUN
easat-7042	257	134	*	*	PUNCT
easat-7042	257	135	0.538	0.538	NUM
easat-7042	257	136	*	*	PUNCT
easat-7042	257	137	*	*	NOUN
easat-7042	257	138	0.465	0.465	NUM
easat-7042	257	139	*	*	PUNCT
easat-7042	257	140	*	*	PUNCT
easat-7042	258	1	kh	kh	PROPN
easat-7042	258	2	0.483	0.483	NUM
easat-7042	258	3	*	*	PUNCT
easat-7042	258	4	*	*	PUNCT
easat-7042	258	5	0.494	0.494	NUM
easat-7042	258	6	*	*	PUNCT
easat-7042	258	7	*	*	PUNCT
easat-7042	258	8	0.399	0.399	NUM
easat-7042	258	9	*	*	PUNCT
easat-7042	258	10	*	*	PUNCT
easat-7042	258	11	0.413	0.413	NUM
easat-7042	258	12	*	*	NOUN
easat-7042	258	13	*	*	NOUN
easat-7042	258	14	0.306	0.306	NUM
easat-7042	258	15	*	*	PUNCT
easat-7042	258	16	*	*	NOUN
easat-7042	258	17	1	1	NUM
easat-7042	258	18	0.395	0.395	NUM
easat-7042	258	19	*	*	PUNCT
easat-7042	258	20	*	*	PUNCT
easat-7042	258	21	0.302	0.302	NUM
easat-7042	258	22	*	*	PUNCT
easat-7042	258	23	*	*	PUNCT
easat-7042	258	24	0.672	0.672	NUM
easat-7042	258	25	*	*	SYM
easat-7042	258	26	*	*	NOUN
easat-7042	258	27	mb	mb	ADP
easat-7042	258	28	0.420	0.420	NUM
easat-7042	258	29	*	*	PUNCT
easat-7042	258	30	*	*	X
easat-7042	258	31	0.456	0.456	NUM
easat-7042	258	32	*	*	NOUN
easat-7042	258	33	*	*	X
easat-7042	258	34	0.368	0.368	NUM
easat-7042	258	35	*	*	PUNCT
easat-7042	258	36	*	*	PUNCT
easat-7042	259	1	0.434	0.434	NUM
easat-7042	259	2	*	*	PUNCT
easat-7042	259	3	*	*	PUNCT
easat-7042	259	4	0.405	0.405	NUM
easat-7042	259	5	*	*	NOUN
easat-7042	259	6	*	*	NOUN
easat-7042	259	7	0.395	0.395	NUM
easat-7042	259	8	*	*	PUNCT
easat-7042	259	9	*	*	PUNCT
easat-7042	259	10	1	1	NUM
easat-7042	259	11	0.414	0.414	NUM
easat-7042	259	12	*	*	PUNCT
easat-7042	259	13	*	*	PUNCT
easat-7042	259	14	0.514	0.514	NUM
easat-7042	259	15	*	*	X
easat-7042	259	16	*	*	NOUN
easat-7042	259	17	tctc	tctc	VERB
easat-7042	259	18	0.394	0.394	NOUN
easat-7042	259	19	*	*	NOUN
easat-7042	259	20	*	*	PUNCT
easat-7042	259	21	0.478	0.478	NUM
easat-7042	259	22	*	*	PUNCT
easat-7042	259	23	*	*	X
easat-7042	259	24	0.471	0.471	NUM
easat-7042	259	25	*	*	PUNCT
easat-7042	259	26	*	*	PUNCT
easat-7042	260	1	0.458	0.458	NUM
easat-7042	260	2	*	*	NOUN
easat-7042	260	3	*	*	PUNCT
easat-7042	260	4	0.538	0.538	NUM
easat-7042	260	5	*	*	PUNCT
easat-7042	260	6	*	*	NOUN
easat-7042	260	7	0.302	0.302	NUM
easat-7042	260	8	*	*	PUNCT
easat-7042	260	9	*	*	PUNCT
easat-7042	260	10	0.414	0.414	NUM
easat-7042	260	11	*	*	NOUN
easat-7042	260	12	*	*	NOUN
easat-7042	260	13	1	1	NUM
easat-7042	260	14	0.376	0.376	NUM
easat-7042	260	15	*	*	PUNCT
easat-7042	260	16	*	*	X
easat-7042	260	17	tbv	tbv	NOUN
easat-7042	260	18	0.575	0.575	NUM
easat-7042	260	19	*	*	PUNCT
easat-7042	260	20	*	*	PUNCT
easat-7042	260	21	0.582	0.582	NUM
easat-7042	260	22	*	*	PUNCT
easat-7042	260	23	*	*	PUNCT
easat-7042	260	24	0.521	0.521	NUM
easat-7042	260	25	*	*	PUNCT
easat-7042	260	26	*	*	PUNCT
easat-7042	260	27	0.546	0.546	NUM
easat-7042	260	28	*	*	PUNCT
easat-7042	260	29	*	*	NOUN
easat-7042	260	30	0.465	0.465	NUM
easat-7042	260	31	*	*	PUNCT
easat-7042	260	32	*	*	PUNCT
easat-7042	260	33	0.672	0.672	NUM
easat-7042	260	34	*	*	SYM
easat-7042	260	35	*	*	X
easat-7042	260	36	0.514	0.514	NUM
easat-7042	260	37	*	*	NOUN
easat-7042	260	38	*	*	NOUN
easat-7042	260	39	0.376	0.376	NUM
easat-7042	260	40	*	*	NOUN
easat-7042	260	41	*	*	NOUN
easat-7042	260	42	1	1	NUM
easat-7042	260	43	4.2	4.2	NUM
easat-7042	260	44	.	.	PUNCT
easat-7042	261	1	hypothesis	hypothesis	NOUN
easat-7042	261	2	testing	testing	NOUN
easat-7042	261	3	table	table	NOUN
easat-7042	261	4	7	7	NUM
easat-7042	261	5	presents	present	VERB
easat-7042	261	6	the	the	DET
easat-7042	261	7	summary	summary	NOUN
easat-7042	261	8	results	result	NOUN
easat-7042	261	9	of	of	ADP
easat-7042	261	10	the	the	DET
easat-7042	261	11	regression	regression	NOUN
easat-7042	261	12	model	model	NOUN
easat-7042	261	13	:	:	PUNCT
easat-7042	261	14	r	r	NOUN
easat-7042	261	15	=	=	SYM
easat-7042	261	16	0.830	0.830	NUM
easat-7042	261	17	,	,	PUNCT
easat-7042	261	18	indicating	indicate	VERB
easat-7042	261	19	a	a	DET
easat-7042	261	20	strong	strong	ADJ
easat-7042	261	21	correlation	correlation	NOUN
easat-7042	261	22	between	between	ADP
easat-7042	261	23	the	the	DET
easat-7042	261	24	independent	independent	ADJ
easat-7042	261	25	variables	variable	NOUN
easat-7042	261	26	and	and	CCONJ
easat-7042	261	27	the	the	DET
easat-7042	261	28	dependent	dependent	ADJ
easat-7042	261	29	variable	variable	NOUN
easat-7042	261	30	.	.	PUNCT
easat-7042	262	1	r	r	NOUN
easat-7042	262	2	square	square	NOUN
easat-7042	262	3	=	=	NOUN
easat-7042	262	4	0.689	0.689	NUM
easat-7042	262	5	,	,	PUNCT
easat-7042	262	6	suggesting	suggest	VERB
easat-7042	262	7	that	that	SCONJ
easat-7042	262	8	68.9	68.9	NUM
easat-7042	262	9	%	%	NOUN
easat-7042	262	10	of	of	ADP
easat-7042	262	11	the	the	DET
easat-7042	262	12	variation	variation	NOUN
easat-7042	262	13	in	in	ADP
easat-7042	262	14	the	the	DET
easat-7042	262	15	dependent	dependent	ADJ
easat-7042	262	16	variable	variable	NOUN
easat-7042	262	17	(	(	PUNCT
easat-7042	262	18	financial	financial	ADJ
easat-7042	262	19	sustainability	sustainability	NOUN
easat-7042	262	20	–	–	PUNCT
easat-7042	262	21	fs	fs	X
easat-7042	262	22	)	)	PUNCT
easat-7042	262	23	is	be	AUX
easat-7042	262	24	explained	explain	VERB
easat-7042	262	25	by	by	ADP
easat-7042	262	26	the	the	DET
easat-7042	262	27	independent	independent	ADJ
easat-7042	262	28	variables	variable	NOUN
easat-7042	262	29	in	in	ADP
easat-7042	262	30	the	the	DET
easat-7042	262	31	model	model	NOUN
easat-7042	262	32	.	.	PUNCT
easat-7042	263	1	adjusted	adjust	VERB
easat-7042	263	2	r	r	NOUN
easat-7042	263	3	square	square	NOUN
easat-7042	263	4	=	=	NOUN
easat-7042	263	5	0.675	0.675	NUM
easat-7042	263	6	,	,	PUNCT
easat-7042	263	7	providing	provide	VERB
easat-7042	263	8	a	a	DET
easat-7042	263	9	more	more	ADV
easat-7042	263	10	accurate	accurate	ADJ
easat-7042	263	11	estimate	estimate	NOUN
easat-7042	263	12	of	of	ADP
easat-7042	263	13	the	the	DET
easat-7042	263	14	model	model	NOUN
easat-7042	263	15	’s	’s	PART
easat-7042	263	16	explanatory	explanatory	ADJ
easat-7042	263	17	power	power	NOUN
easat-7042	263	18	after	after	ADP
easat-7042	263	19	adjusting	adjust	VERB
easat-7042	263	20	for	for	ADP
easat-7042	263	21	the	the	DET
easat-7042	263	22	number	number	NOUN
easat-7042	263	23	of	of	ADP
easat-7042	263	24	predictors	predictor	NOUN
easat-7042	263	25	.	.	PUNCT
easat-7042	264	1	standard	standard	ADJ
easat-7042	264	2	error	error	NOUN
easat-7042	264	3	of	of	ADP
easat-7042	264	4	the	the	DET
easat-7042	264	5	estimate	estimate	NOUN
easat-7042	264	6	=	=	NOUN
easat-7042	264	7	0.42098	0.42098	NUM
easat-7042	264	8	,	,	PUNCT
easat-7042	264	9	representing	represent	VERB
easat-7042	264	10	the	the	DET
easat-7042	264	11	standard	standard	ADJ
easat-7042	264	12	deviation	deviation	NOUN
easat-7042	264	13	of	of	ADP
easat-7042	264	14	the	the	DET
easat-7042	264	15	residuals	residual	NOUN
easat-7042	264	16	.	.	PUNCT
easat-7042	265	1	durbin	durbin	ADJ
easat-7042	265	2	-	-	PUNCT
easat-7042	265	3	watson	watson	NOUN
easat-7042	265	4	=	=	PROPN
easat-7042	265	5	2.013	2.013	NUM
easat-7042	265	6	,	,	PUNCT
easat-7042	265	7	which	which	PRON
easat-7042	265	8	is	be	AUX
easat-7042	265	9	close	close	ADJ
easat-7042	265	10	to	to	ADP
easat-7042	265	11	2	2	NUM
easat-7042	265	12	,	,	PUNCT
easat-7042	265	13	indicating	indicate	VERB
easat-7042	265	14	no	no	DET
easat-7042	265	15	significant	significant	ADJ
easat-7042	265	16	autocorrelation	autocorrelation	NOUN
easat-7042	265	17	issues	issue	NOUN
easat-7042	265	18	in	in	ADP
easat-7042	265	19	the	the	DET
easat-7042	265	20	regression	regression	NOUN
easat-7042	265	21	residuals	residual	NOUN
easat-7042	265	22	[	[	X
easat-7042	265	23	34	34	NUM
easat-7042	265	24	]	]	PUNCT
easat-7042	265	25	.	.	PUNCT
easat-7042	266	1	table	table	NOUN
easat-7042	266	2	7	7	NUM
easat-7042	266	3	.	.	PUNCT
easat-7042	266	4	model	model	PROPN
easat-7042	266	5	summary	summary	PROPN
easat-7042	266	6	.	.	PUNCT
easat-7042	267	1	model	model	NOUN
easat-7042	267	2	r	r	NOUN
easat-7042	267	3	r	r	NOUN
easat-7042	267	4	square	square	ADJ
easat-7042	267	5	adjusted	adjust	VERB
easat-7042	267	6	r	r	NOUN
easat-7042	267	7	squared	square	VERB
easat-7042	267	8	std	std	NOUN
easat-7042	267	9	.	.	NOUN
easat-7042	267	10	error	error	NOUN
easat-7042	267	11	of	of	ADP
easat-7042	267	12	the	the	DET
easat-7042	267	13	estimate	estimate	NOUN
easat-7042	267	14	durbinwatson	durbinwatson	NOUN
easat-7042	267	15	1	1	NUM
easat-7042	267	16	0.812	0.812	NUM
easat-7042	267	17	0.659	0.659	NUM
easat-7042	267	18	0.645	0.645	NUM
easat-7042	267	19	0.45098	0.45098	NUM
easat-7042	267	20	2.015	2.015	NUM
easat-7042	267	21	note	note	NOUN
easat-7042	267	22	:	:	PUNCT
easat-7042	267	23	oc	oc	PART
easat-7042	267	24	:	:	PUNCT
easat-7042	267	25	unstandardized	unstandardized	ADJ
easat-7042	267	26	coefficient	coefficient	NOUN
easat-7042	267	27	b	b	NOUN
easat-7042	267	28	=	=	SYM
easat-7042	267	29	0.182	0.182	NUM
easat-7042	267	30	,	,	PUNCT
easat-7042	267	31	standardized	standardize	VERB
easat-7042	267	32	beta	beta	NOUN
easat-7042	267	33	=	=	NOUN
easat-7042	267	34	0.189	0.189	NUM
easat-7042	267	35	,	,	PUNCT
easat-7042	267	36	statistically	statistically	ADV
easat-7042	267	37	significant	significant	ADJ
easat-7042	267	38	(	(	PUNCT
easat-7042	267	39	sig	sig	NOUN
easat-7042	267	40	.	.	PUNCT
easat-7042	267	41	<	<	X
easat-7042	267	42	0.001	0.001	NUM
easat-7042	267	43	)	)	PUNCT
easat-7042	267	44	,	,	PUNCT
easat-7042	267	45	vif	vif	X
easat-7042	267	46	=	=	NOUN
easat-7042	267	47	1.667	1.667	NUM
easat-7042	267	48	;	;	PUNCT
easat-7042	267	49	pr	pr	X
easat-7042	267	50	:	:	PUNCT
easat-7042	267	51	b	b	X
easat-7042	267	52	=	=	SYM
easat-7042	267	53	0.156	0.156	NUM
easat-7042	267	54	,	,	PUNCT
easat-7042	267	55	beta	beta	NOUN
easat-7042	267	56	=	=	SYM
easat-7042	267	57	0.168	0.168	NUM
easat-7042	267	58	,	,	PUNCT
easat-7042	267	59	significant	significant	ADJ
easat-7042	267	60	(	(	PUNCT
easat-7042	267	61	sig	sig	NOUN
easat-7042	267	62	.	.	PUNCT
easat-7042	268	1	=	=	NOUN
easat-7042	268	2	0.003	0.003	NUM
easat-7042	268	3	)	)	PUNCT
easat-7042	268	4	,	,	PUNCT
easat-7042	268	5	vif	vif	X
easat-7042	268	6	=	=	PROPN
easat-7042	268	7	1.816	1.816	NUM
easat-7042	268	8	;	;	PUNCT
easat-7042	268	9	lpm	lpm	NOUN
easat-7042	268	10	:	:	PUNCT
easat-7042	268	11	b	b	X
easat-7042	268	12	=	=	SYM
easat-7042	268	13	0.197	0.197	NUM
easat-7042	268	14	,	,	PUNCT
easat-7042	268	15	beta	beta	NOUN
easat-7042	268	16	=	=	PUNCT
easat-7042	268	17	0.214	0.214	NUM
easat-7042	268	18	,	,	PUNCT
easat-7042	268	19	significant	significant	ADJ
easat-7042	268	20	(	(	PUNCT
easat-7042	268	21	sig	sig	NOUN
easat-7042	268	22	.	.	PUNCT
easat-7042	268	23	<	<	X
easat-7042	268	24	0.001	0.001	NUM
easat-7042	268	25	)	)	PUNCT
easat-7042	268	26	,	,	PUNCT
easat-7042	268	27	vif	vif	X
easat-7042	268	28	=	=	NOUN
easat-7042	268	29	1.647	1.647	NUM
easat-7042	268	30	;	;	PUNCT
easat-7042	268	31	gq	gq	PROPN
easat-7042	268	32	:	:	PUNCT
easat-7042	268	33	b	b	X
easat-7042	268	34	=	=	PUNCT
easat-7042	268	35	0.154	0.154	NUM
easat-7042	268	36	,	,	PUNCT
easat-7042	268	37	beta	beta	NOUN
easat-7042	268	38	=	=	SYM
easat-7042	268	39	0.156	0.156	NUM
easat-7042	268	40	,	,	PUNCT
easat-7042	268	41	significant	significant	ADJ
easat-7042	268	42	(	(	PUNCT
easat-7042	268	43	sig	sig	NOUN
easat-7042	268	44	.	.	PUNCT
easat-7042	269	1	=	=	NOUN
easat-7042	269	2	0.004	0.004	NUM
easat-7042	269	3	)	)	PUNCT
easat-7042	270	1	,	,	PUNCT
easat-7042	270	2	vif	vif	X
easat-7042	270	3	=	=	PROPN
easat-7042	270	4	1.639	1.639	NUM
easat-7042	270	5	;	;	PUNCT
easat-7042	270	6	fm	fm	PROPN
easat-7042	270	7	:	:	PUNCT
easat-7042	270	8	b	b	X
easat-7042	270	9	=	=	SYM
easat-7042	270	10	0.132	0.132	NUM
easat-7042	270	11	,	,	PUNCT
easat-7042	270	12	beta	beta	NOUN
easat-7042	270	13	=	=	NOUN
easat-7042	270	14	0.142	0.142	NUM
easat-7042	270	15	,	,	PUNCT
easat-7042	270	16	significant	significant	ADJ
easat-7042	270	17	(	(	PUNCT
easat-7042	270	18	sig	sig	NOUN
easat-7042	270	19	.	.	PUNCT
easat-7042	271	1	=	=	NOUN
easat-7042	271	2	0.009	0.009	NUM
easat-7042	271	3	)	)	PUNCT
easat-7042	271	4	,	,	PUNCT
easat-7042	271	5	vif	vif	X
easat-7042	271	6	=	=	PROPN
easat-7042	271	7	1.763	1.763	NUM
easat-7042	271	8	;	;	PUNCT
easat-7042	271	9	co	co	VERB
easat-7042	271	10	:	:	PUNCT
easat-7042	271	11	b	b	X
easat-7042	271	12	=	=	SYM
easat-7042	271	13	0.203	0.203	NUM
easat-7042	271	14	,	,	PUNCT
easat-7042	271	15	beta	beta	NOUN
easat-7042	271	16	=	=	NOUN
easat-7042	271	17	0.224	0.224	NUM
easat-7042	271	18	,	,	PUNCT
easat-7042	271	19	significant	significant	ADJ
easat-7042	271	20	(	(	PUNCT
easat-7042	271	21	sig	sig	NOUN
easat-7042	271	22	.	.	PUNCT
easat-7042	271	23	<	<	X
easat-7042	271	24	0.001	0.001	NUM
easat-7042	271	25	)	)	PUNCT
easat-7042	271	26	,	,	PUNCT
easat-7042	271	27	vif	vif	X
easat-7042	271	28	=	=	NOUN
easat-7042	271	29	1.650	1.650	NUM
easat-7042	271	30	;	;	PUNCT
easat-7042	271	31	tr	tr	VERB
easat-7042	271	32	:	:	PUNCT
easat-7042	271	33	b	b	X
easat-7042	271	34	=	=	SYM
easat-7042	271	35	0.109	0.109	NUM
easat-7042	271	36	,	,	PUNCT
easat-7042	271	37	beta	beta	NOUN
easat-7042	271	38	=	=	NOUN
easat-7042	271	39	0.112	0.112	NUM
easat-7042	271	40	,	,	PUNCT
easat-7042	271	41	significant	significant	ADJ
easat-7042	271	42	(	(	PUNCT
easat-7042	271	43	sig	sig	NOUN
easat-7042	271	44	.	.	PUNCT
easat-7042	272	1	=	=	PUNCT
easat-7042	272	2	0.027	0.027	NUM
easat-7042	272	3	)	)	PUNCT
easat-7042	273	1	,	,	PUNCT
easat-7042	273	2	vif	vif	X
easat-7042	273	3	=	=	NOUN
easat-7042	273	4	1.514	1.514	NUM
easat-7042	273	5	;	;	PUNCT
easat-7042	273	6	fa	fa	NOUN
easat-7042	273	7	:	:	PUNCT
easat-7042	273	8	b	b	X
easat-7042	273	9	=	=	SYM
easat-7042	273	10	0.121	0.121	NUM
easat-7042	273	11	,	,	PUNCT
easat-7042	273	12	beta	beta	NOUN
easat-7042	273	13	=	=	SYM
easat-7042	273	14	-0.129	-0.129	NUM
easat-7042	273	15	,	,	PUNCT
easat-7042	273	16	significant	significant	ADJ
easat-7042	273	17	(	(	PUNCT
easat-7042	273	18	sig	sig	NOUN
easat-7042	273	19	.	.	PUNCT
easat-7042	274	1	=	=	NUM
easat-7042	274	2	0.019	0.019	NUM
easat-7042	274	3	)	)	PUNCT
easat-7042	274	4	,	,	PUNCT
easat-7042	274	5	vif	vif	X
easat-7042	274	6	=	=	PROPN
easat-7042	274	7	1.762	1.762	NUM
easat-7042	274	8	(	(	PUNCT
easat-7042	274	9	table	table	NOUN
easat-7042	274	10	8)	8)	NUM
easat-7042	274	11	.	.	PUNCT
easat-7042	275	1	all	all	DET
easat-7042	275	2	independent	independent	ADJ
easat-7042	275	3	variables	variable	NOUN
easat-7042	275	4	are	be	AUX
easat-7042	275	5	statistically	statistically	ADV
easat-7042	275	6	significant	significant	ADJ
easat-7042	275	7	(	(	PUNCT
easat-7042	275	8	p	p	X
easat-7042	275	9	<	<	X
easat-7042	275	10	0.05	0.05	NUM
easat-7042	275	11	)	)	PUNCT
easat-7042	275	12	in	in	ADP
easat-7042	275	13	predicting	predict	VERB
easat-7042	275	14	financial	financial	ADJ
easat-7042	275	15	sustainability	sustainability	NOUN
easat-7042	275	16	.	.	PUNCT
easat-7042	276	1	all	all	DET
easat-7042	276	2	vif	vif	PROPN
easat-7042	276	3	values	value	NOUN
easat-7042	276	4	are	be	AUX
easat-7042	276	5	below	below	ADP
easat-7042	276	6	5	5	NUM
easat-7042	276	7	,	,	PUNCT
easat-7042	276	8	indicating	indicate	VERB
easat-7042	276	9	no	no	DET
easat-7042	276	10	severe	severe	ADJ
easat-7042	276	11	multicollinearity	multicollinearity	NOUN
easat-7042	276	12	issues	issue	NOUN
easat-7042	276	13	.	.	PUNCT
easat-7042	277	1	table	table	NOUN
easat-7042	277	2	8	8	NUM
easat-7042	277	3	.	.	PUNCT
easat-7042	278	1	linear	linear	ADJ
easat-7042	278	2	regression	regression	NOUN
easat-7042	278	3	results	result	NOUN
easat-7042	278	4	.	.	PUNCT
easat-7042	279	1	variables	variable	NOUN
easat-7042	279	2	unstandardized	unstandardized	ADJ
easat-7042	279	3	b	b	NUM
easat-7042	279	4	standardized	standardized	ADJ
easat-7042	279	5	coefficients	coefficient	NOUN
easat-7042	279	6	beta	beta	PROPN
easat-7042	279	7	sig	sig	NOUN
easat-7042	279	8	.	.	PUNCT
easat-7042	280	1	vif	vif	PROPN
easat-7042	280	2	nl	nl	VERB
easat-7042	280	3	0.182	0.182	NOUN
easat-7042	280	4	0.189	0.189	NUM
easat-7042	280	5	<	<	X
easat-7042	280	6	0.001	0.001	NUM
easat-7042	280	7	1.667	1.667	NUM
easat-7042	280	8	hq	hq	NOUN
easat-7042	280	9	0.156	0.156	NUM
easat-7042	280	10	0.168	0.168	NUM
easat-7042	280	11	0.003	0.003	NUM
easat-7042	280	12	1.816	1.816	NUM
easat-7042	280	13	ql	ql	NOUN
easat-7042	280	14	0.197	0.197	NUM
easat-7042	280	15	0.214	0.214	NUM
easat-7042	280	16	<	<	X
easat-7042	280	17	0.001	0.001	NUM
easat-7042	280	18	1.487	1.487	NUM
easat-7042	280	19	cl	cl	NOUN
easat-7042	280	20	0.154	0.154	NUM
easat-7042	280	21	0.152	0.152	NUM
easat-7042	280	22	0.004	0.004	NUM
easat-7042	280	23	1.639	1.639	NUM
easat-7042	280	24	qttc	qttc	VERB
easat-7042	280	25	0.062	0.062	NUM
easat-7042	280	26	0.065	0.065	NUM
easat-7042	280	27	0.235	0.235	NUM
easat-7042	280	28	1.763	1.763	NUM
easat-7042	280	29	kh	kh	NOUN
easat-7042	280	30	0.302	0.302	NUM
easat-7042	280	31	0.324	0.324	NUM
easat-7042	280	32	<	<	NOUN
easat-7042	280	33	0.001	0.001	NUM
easat-7042	280	34	1.650	1.650	NUM
easat-7042	280	35	mb	mb	ADP
easat-7042	280	36	0.109	0.109	NUM
easat-7042	280	37	0.112	0.112	NUM
easat-7042	280	38	0.027	0.027	NUM
easat-7042	280	39	1.514	1.514	NUM
easat-7042	280	40	tctc	tctc	NOUN
easat-7042	280	41	-0.121	-0.121	NOUN
easat-7042	280	42	-0.129	-0.129	PUNCT
easat-7042	280	43	0.019	0.019	NUM
easat-7042	280	44	1.762	1.762	NUM
easat-7042	280	45	table	table	NOUN
easat-7042	280	46	9	9	NUM
easat-7042	280	47	.	.	PUNCT
easat-7042	281	1	outlines	outline	VERB
easat-7042	281	2	the	the	DET
easat-7042	281	3	hypothesis	hypothesis	NOUN
easat-7042	281	4	testing	testing	NOUN
easat-7042	281	5	results	result	NOUN
easat-7042	281	6	.	.	PUNCT
easat-7042	282	1	h1	h1	NOUN
easat-7042	282	2	:	:	PUNCT
easat-7042	282	3	organizational	organizational	ADJ
easat-7042	282	4	capacity	capacity	NOUN
easat-7042	282	5	has	have	VERB
easat-7042	282	6	a	a	DET
easat-7042	282	7	positive	positive	ADJ
easat-7042	282	8	impact	impact	NOUN
easat-7042	282	9	on	on	ADP
easat-7042	282	10	financial	financial	ADJ
easat-7042	282	11	sustainability	sustainability	NOUN
easat-7042	282	12	–	–	PUNCT
easat-7042	282	13	supported	support	VERB
easat-7042	282	14	(	(	PUNCT
easat-7042	282	15	β	β	X
easat-7042	282	16	=	=	SYM
easat-7042	282	17	0.189	0.189	NUM
easat-7042	282	18	sig	sig	NOUN
easat-7042	282	19	.	.	PUNCT
easat-7042	283	1	<	<	X
easat-7042	283	2	0.001	0.001	NUM
easat-7042	283	3	)	)	PUNCT
easat-7042	283	4	.	.	PUNCT
easat-7042	284	1	h2	h2	NOUN
easat-7042	284	2	:	:	PUNCT
easat-7042	284	3	productivity	productivity	NOUN
easat-7042	284	4	positively	positively	ADV
easat-7042	284	5	affects	affect	VERB
easat-7042	284	6	financial	financial	ADJ
easat-7042	284	7	sustainability	sustainability	NOUN
easat-7042	284	8	–	–	PUNCT
easat-7042	284	9	supported	support	VERB
easat-7042	284	10	(	(	PUNCT
easat-7042	284	11	β	β	X
easat-7042	284	12	=	=	SYM
easat-7042	284	13	0.168	0.168	NUM
easat-7042	284	14	sig	sig	NOUN
easat-7042	284	15	.	.	PUNCT
easat-7042	285	1	=	=	NOUN
easat-7042	285	2	0.003	0.003	NUM
easat-7042	285	3	)	)	PUNCT
easat-7042	285	4	.	.	PUNCT
easat-7042	286	1	h3	h3	NOUN
easat-7042	286	2	:	:	PUNCT
easat-7042	286	3	loan	loan	NOUN
easat-7042	286	4	portfolio	portfolio	NOUN
easat-7042	286	5	management	management	NOUN
easat-7042	286	6	has	have	VERB
easat-7042	286	7	a	a	DET
easat-7042	286	8	positive	positive	ADJ
easat-7042	286	9	impact	impact	NOUN
easat-7042	286	10	on	on	ADP
easat-7042	286	11	financial	financial	ADJ
easat-7042	286	12	sustainability	sustainability	NOUN
easat-7042	286	13	–	–	PUNCT
easat-7042	286	14	supported	support	VERB
easat-7042	286	15	(	(	PUNCT
easat-7042	286	16	β	β	X
easat-7042	286	17	=	=	SYM
easat-7042	286	18	0.214	0.214	NUM
easat-7042	286	19	sig	sig	NOUN
easat-7042	286	20	.	.	PUNCT
easat-7042	287	1	<	<	X
easat-7042	287	2	0.001	0.001	NUM
easat-7042	287	3	)	)	PUNCT
easat-7042	287	4	.	.	PUNCT
easat-7042	288	1	h4	h4	NOUN
easat-7042	288	2	:	:	PUNCT
easat-7042	288	3	governance	governance	NOUN
easat-7042	288	4	quality	quality	NOUN
easat-7042	288	5	positively	positively	ADV
easat-7042	288	6	influences	influence	VERB
easat-7042	288	7	financial	financial	ADJ
easat-7042	288	8	sustainability	sustainability	NOUN
easat-7042	288	9	–	–	PUNCT
easat-7042	288	10	supported	support	VERB
easat-7042	288	11	(	(	PUNCT
easat-7042	288	12	β	β	X
easat-7042	288	13	=	=	PROPN
easat-7042	288	14	0.156	0.156	NUM
easat-7042	288	15	sig	sig	NOUN
easat-7042	288	16	.	.	PUNCT
easat-7042	289	1	=	=	NOUN
easat-7042	289	2	0.004	0.004	NUM
easat-7042	289	3	)	)	PUNCT
easat-7042	289	4	.	.	PUNCT
easat-7042	290	1	h5	h5	PROPN
easat-7042	290	2	:	:	PUNCT
easat-7042	290	3	financial	financial	ADJ
easat-7042	290	4	management	management	NOUN
easat-7042	290	5	has	have	VERB
easat-7042	290	6	a	a	DET
easat-7042	290	7	positive	positive	ADJ
easat-7042	290	8	effect	effect	NOUN
easat-7042	290	9	on	on	ADP
easat-7042	290	10	financial	financial	ADJ
easat-7042	290	11	sustainability	sustainability	NOUN
easat-7042	290	12	–	–	PUNCT
easat-7042	290	13	supported	support	VERB
easat-7042	290	14	(	(	PUNCT
easat-7042	290	15	β	β	X
easat-7042	290	16	=	=	PUNCT
easat-7042	290	17	0.142	0.142	NUM
easat-7042	290	18	sig	sig	NOUN
easat-7042	290	19	.	.	PUNCT
easat-7042	291	1	=	=	NOUN
easat-7042	291	2	0.009	0.009	NUM
easat-7042	291	3	)	)	PUNCT
easat-7042	291	4	.	.	PUNCT
easat-7042	292	1	h6	h6	PROPN
easat-7042	292	2	:	:	PUNCT
easat-7042	292	3	customer	customer	NOUN
easat-7042	292	4	outreach	outreach	NOUN
easat-7042	292	5	positively	positively	ADV
easat-7042	292	6	affects	affect	VERB
easat-7042	292	7	financial	financial	ADJ
easat-7042	292	8	sustainability	sustainability	NOUN
easat-7042	292	9	–	–	PUNCT
easat-7042	292	10	supported	support	VERB
easat-7042	292	11	(	(	PUNCT
easat-7042	292	12	β	β	X
easat-7042	292	13	=	=	SYM
easat-7042	292	14	0.224	0.224	NUM
easat-7042	292	15	sig	sig	NOUN
easat-7042	292	16	.	.	PUNCT
easat-7042	292	17	<	<	X
easat-7042	292	18	0.001	0.001	NUM
easat-7042	292	19	)	)	PUNCT
easat-7042	292	20	.	.	PUNCT
easat-7042	293	1	h7	h7	PROPN
easat-7042	293	2	:	:	PUNCT
easat-7042	293	3	transparency	transparency	NOUN
easat-7042	293	4	has	have	VERB
easat-7042	293	5	a	a	DET
easat-7042	293	6	positive	positive	ADJ
easat-7042	293	7	impact	impact	NOUN
easat-7042	293	8	on	on	ADP
easat-7042	293	9	financial	financial	ADJ
easat-7042	293	10	sustainability	sustainability	NOUN
easat-7042	293	11	–	–	PUNCT
easat-7042	293	12	supported	support	VERB
easat-7042	293	13	(	(	PUNCT
easat-7042	293	14	β	β	X
easat-7042	293	15	=	=	SYM
easat-7042	293	16	0.112	0.112	NUM
easat-7042	293	17	sig	sig	NOUN
easat-7042	293	18	.	.	PUNCT
easat-7042	294	1	=	=	NOUN
easat-7042	294	2	0.027	0.027	NUM
easat-7042	294	3	)	)	PUNCT
easat-7042	294	4	.	.	PUNCT
easat-7042	295	1	h8	h8	NOUN
easat-7042	295	2	:	:	PUNCT
easat-7042	295	3	financial	financial	ADJ
easat-7042	295	4	autonomy	autonomy	NOUN
easat-7042	295	5	has	have	VERB
easat-7042	295	6	a	a	DET
easat-7042	295	7	negative	negative	ADJ
easat-7042	295	8	impact	impact	NOUN
easat-7042	295	9	on	on	ADP
easat-7042	295	10	financial	financial	ADJ
easat-7042	295	11	sustainability	sustainability	NOUN
easat-7042	295	12	–	–	PUNCT
easat-7042	295	13	supported	support	VERB
easat-7042	295	14	(	(	PUNCT
easat-7042	295	15	β	β	X
easat-7042	295	16	=	=	SYM
easat-7042	295	17	-0.129	-0.129	NUM
easat-7042	295	18	sig	sig	NOUN
easat-7042	295	19	.	.	PUNCT
easat-7042	296	1	=	=	NUM
easat-7042	296	2	0.019	0.019	NUM
easat-7042	296	3	)	)	PUNCT
easat-7042	296	4	.	.	PUNCT
easat-7042	297	1	note	note	NOUN
easat-7042	297	2	:	:	PUNCT
easat-7042	297	3	all	all	DET
easat-7042	297	4	eight	eight	NUM
easat-7042	297	5	hypotheses	hypothesis	NOUN
easat-7042	297	6	are	be	AUX
easat-7042	297	7	supported	support	VERB
easat-7042	297	8	by	by	ADP
easat-7042	297	9	the	the	DET
easat-7042	297	10	data	datum	NOUN
easat-7042	297	11	,	,	PUNCT
easat-7042	297	12	with	with	ADP
easat-7042	297	13	statistically	statistically	ADV
easat-7042	297	14	significant	significant	ADJ
easat-7042	297	15	effects	effect	NOUN
easat-7042	297	16	(	(	PUNCT
easat-7042	297	17	p	p	X
easat-7042	297	18	<	<	X
easat-7042	297	19	0.05	0.05	NUM
easat-7042	297	20	)	)	PUNCT
easat-7042	297	21	.	.	PUNCT
easat-7042	298	1	942	942	NUM
easat-7042	298	2	edelweiss	edelweiss	PROPN
easat-7042	298	3	applied	apply	VERB
easat-7042	298	4	science	science	NOUN
easat-7042	298	5	and	and	CCONJ
easat-7042	298	6	technology	technology	NOUN
easat-7042	298	7	issn	issn	PROPN
easat-7042	298	8	:	:	PUNCT
easat-7042	298	9	2576	2576	NUM
easat-7042	298	10	-	-	SYM
easat-7042	298	11	8484	8484	NUM
easat-7042	298	12	vol	vol	NOUN
easat-7042	298	13	.	.	PROPN
easat-7042	299	1	9	9	NUM
easat-7042	299	2	,	,	PUNCT
easat-7042	299	3	no	no	INTJ
easat-7042	299	4	.	.	NOUN
easat-7042	299	5	5	5	NUM
easat-7042	299	6	:	:	SYM
easat-7042	299	7	930	930	NUM
easat-7042	299	8	-	-	SYM
easat-7042	299	9	946	946	NUM
easat-7042	299	10	,	,	PUNCT
easat-7042	299	11	2025	2025	NUM
easat-7042	299	12	doi	doi	NOUN
easat-7042	299	13	:	:	PUNCT
easat-7042	299	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	299	15	©	©	PROPN
easat-7042	299	16	2025	2025	NUM
easat-7042	299	17	by	by	ADP
easat-7042	299	18	the	the	DET
easat-7042	299	19	authors	author	NOUN
easat-7042	299	20	;	;	PUNCT
easat-7042	299	21	licensee	licensee	PROPN
easat-7042	299	22	learning	learn	VERB
easat-7042	299	23	gate	gate	NOUN
easat-7042	299	24	table	table	NOUN
easat-7042	299	25	10	10	NUM
easat-7042	299	26	.	.	PUNCT
easat-7042	300	1	the	the	DET
easat-7042	300	2	results	result	NOUN
easat-7042	300	3	of	of	ADP
easat-7042	300	4	hypotheses	hypothesis	NOUN
easat-7042	300	5	testing	testing	NOUN
easat-7042	300	6	.	.	PUNCT
easat-7042	301	1	hypotheses	hypothesis	NOUN
easat-7042	301	2	results	result	NOUN
easat-7042	301	3	supported	support	VERB
easat-7042	301	4	h1	h1	NOUN
easat-7042	301	5	:	:	PUNCT
easat-7042	301	6	organizational	organizational	ADJ
easat-7042	301	7	capacity	capacity	NOUN
easat-7042	301	8	has	have	VERB
easat-7042	301	9	a	a	DET
easat-7042	301	10	positive	positive	ADJ
easat-7042	301	11	impact	impact	NOUN
easat-7042	301	12	on	on	ADP
easat-7042	301	13	financial	financial	ADJ
easat-7042	301	14	sustainability	sustainability	NOUN
easat-7042	301	15	of	of	ADP
easat-7042	301	16	pcfs	pcfs	PROPN
easat-7042	301	17	b=0.189	b=0.189	ADP
easat-7042	301	18	yes	yes	PRON
easat-7042	301	19	sig=<0.001<0.05	sig=<0.001<0.05	ADJ
easat-7042	301	20	h2	h2	NOUN
easat-7042	301	21	:	:	PUNCT
easat-7042	301	22	productivity	productivity	NOUN
easat-7042	301	23	has	have	VERB
easat-7042	301	24	a	a	DET
easat-7042	301	25	positive	positive	ADJ
easat-7042	301	26	impact	impact	NOUN
easat-7042	301	27	on	on	ADP
easat-7042	301	28	financial	financial	ADJ
easat-7042	301	29	sustainability	sustainability	NOUN
easat-7042	301	30	of	of	ADP
easat-7042	301	31	pcfs	pcfs	NOUN
easat-7042	301	32	b=0.168	b=0.168	NUM
easat-7042	301	33	yes	yes	PRON
easat-7042	301	34	sig=<0.003<0.05	sig=<0.003<0.05	ADJ
easat-7042	301	35	h3	h3	NOUN
easat-7042	301	36	:	:	PUNCT
easat-7042	301	37	loan	loan	NOUN
easat-7042	301	38	portfolio	portfolio	NOUN
easat-7042	301	39	management	management	NOUN
easat-7042	301	40	has	have	VERB
easat-7042	301	41	a	a	DET
easat-7042	301	42	positive	positive	ADJ
easat-7042	301	43	impact	impact	NOUN
easat-7042	301	44	on	on	ADP
easat-7042	301	45	financial	financial	ADJ
easat-7042	301	46	sustainability	sustainability	NOUN
easat-7042	301	47	of	of	ADP
easat-7042	301	48	pcfs	pcfs	PROPN
easat-7042	301	49	b=0.214	b=0.214	PUNCT
easat-7042	302	1	yes	yes	ADP
easat-7042	302	2	sig=<0.001<0.05	sig=<0.001<0.05	ADJ
easat-7042	302	3	h4	h4	NOUN
easat-7042	302	4	:	:	PUNCT
easat-7042	302	5	governance	governance	NOUN
easat-7042	302	6	quality	quality	NOUN
easat-7042	302	7	has	have	VERB
easat-7042	302	8	a	a	DET
easat-7042	302	9	positive	positive	ADJ
easat-7042	302	10	impact	impact	NOUN
easat-7042	302	11	on	on	ADP
easat-7042	302	12	financial	financial	ADJ
easat-7042	302	13	sustainability	sustainability	NOUN
easat-7042	302	14	of	of	ADP
easat-7042	302	15	pcfs	pcfs	PROPN
easat-7042	302	16	b=0.152	b=0.152	PROPN
easat-7042	302	17	yes	yes	INTJ
easat-7042	302	18	sig=0.004<0.05	sig=0.004<0.05	PROPN
easat-7042	302	19	h5	h5	PROPN
easat-7042	302	20	:	:	PUNCT
easat-7042	302	21	financial	financial	ADJ
easat-7042	302	22	management	management	NOUN
easat-7042	302	23	has	have	VERB
easat-7042	302	24	a	a	DET
easat-7042	302	25	positive	positive	ADJ
easat-7042	302	26	impact	impact	NOUN
easat-7042	302	27	on	on	ADP
easat-7042	302	28	financial	financial	ADJ
easat-7042	302	29	sustainability	sustainability	NOUN
easat-7042	302	30	of	of	ADP
easat-7042	302	31	pcfs	pcfs	PROPN
easat-7042	302	32	b=0.065	b=0.065	PUNCT
easat-7042	303	1	no	no	DET
easat-7042	303	2	sig=0.235>0.05	sig=0.235>0.05	PROPN
easat-7042	303	3	h6	h6	NOUN
easat-7042	303	4	:	:	PUNCT
easat-7042	303	5	client	client	NOUN
easat-7042	303	6	outreach	outreach	NOUN
easat-7042	303	7	has	have	VERB
easat-7042	303	8	a	a	DET
easat-7042	303	9	positive	positive	ADJ
easat-7042	303	10	impact	impact	NOUN
easat-7042	303	11	on	on	ADP
easat-7042	303	12	financial	financial	ADJ
easat-7042	303	13	sustainability	sustainability	NOUN
easat-7042	303	14	of	of	ADP
easat-7042	303	15	pcfs	pcfs	PROPN
easat-7042	303	16	b=0.324	b=0.324	PUNCT
easat-7042	304	1	yes	yes	INTJ
easat-7042	304	2	sig=<0.001<0.05	sig=<0.001<0.05	PROPN
easat-7042	304	3	h7	h7	NOUN
easat-7042	304	4	:	:	PUNCT
easat-7042	304	5	organizational	organizational	ADJ
easat-7042	304	6	transparency	transparency	NOUN
easat-7042	304	7	has	have	VERB
easat-7042	304	8	a	a	DET
easat-7042	304	9	positive	positive	ADJ
easat-7042	304	10	impact	impact	NOUN
easat-7042	304	11	on	on	ADP
easat-7042	304	12	the	the	DET
easat-7042	304	13	financial	financial	ADJ
easat-7042	304	14	sustainability	sustainability	NOUN
easat-7042	304	15	pcfs	pcfs	NOUN
easat-7042	304	16	b=0.112	b=0.112	PUNCT
easat-7042	304	17	yes	yes	INTJ
easat-7042	304	18	sig=0.027<0.005	sig=0.027<0.005	ADJ
easat-7042	304	19	h8	h8	NOUN
easat-7042	304	20	:	:	PUNCT
easat-7042	304	21	financial	financial	ADJ
easat-7042	304	22	self	self	NOUN
easat-7042	304	23	-	-	PUNCT
easat-7042	304	24	sufficiency	sufficiency	NOUN
easat-7042	304	25	has	have	VERB
easat-7042	304	26	a	a	DET
easat-7042	304	27	positive	positive	ADJ
easat-7042	304	28	impact	impact	NOUN
easat-7042	304	29	on	on	ADP
easat-7042	304	30	the	the	DET
easat-7042	304	31	financial	financial	ADJ
easat-7042	304	32	sustainability	sustainability	NOUN
easat-7042	304	33	pcfs	pcfs	NOUN
easat-7042	304	34	b=-0.129	b=-0.129	PROPN
easat-7042	304	35	yes	yes	INTJ
easat-7042	304	36	sig=0.019<0.005	sig=0.019<0.005	NOUN
easat-7042	304	37	from	from	ADP
easat-7042	304	38	the	the	DET
easat-7042	304	39	regression	regression	NOUN
easat-7042	304	40	coefficients	coefficient	NOUN
easat-7042	304	41	,	,	PUNCT
easat-7042	304	42	we	we	PRON
easat-7042	304	43	can	can	AUX
easat-7042	304	44	construct	construct	VERB
easat-7042	304	45	a	a	DET
easat-7042	304	46	standardized	standardized	ADJ
easat-7042	304	47	linear	linear	ADJ
easat-7042	304	48	regression	regression	NOUN
easat-7042	304	49	equation	equation	NOUN
easat-7042	304	50	as	as	SCONJ
easat-7042	304	51	follows	follow	VERB
easat-7042	304	52	:	:	PUNCT
easat-7042	304	53	tbv	tbv	PROPN
easat-7042	305	1	=	=	PUNCT
easat-7042	305	2	0,324*kh	0,324*kh	NUM
easat-7042	306	1	+	+	CCONJ
easat-7042	306	2	0,214*ql	0,214*ql	NUM
easat-7042	307	1	+	+	NUM
easat-7042	307	2	0,189*nl	0,189*nl	NUM
easat-7042	308	1	+	+	CCONJ
easat-7042	308	2	0,168*hq	0,168*hq	NUM
easat-7042	308	3	+	+	NUM
easat-7042	308	4	0,152*cl	0,152*cl	NUM
easat-7042	309	1	+	+	CCONJ
easat-7042	309	2	0,112*mb	0,112*mb	NUM
easat-7042	309	3	-0,129*tctc	-0,129*tctc	PROPN
easat-7042	309	4	+	+	ADJ
easat-7042	309	5	ε	ε	PROPN
easat-7042	309	6	5	5	NUM
easat-7042	309	7	.	.	PUNCT
easat-7042	309	8	discussions	discussion	NOUN
easat-7042	309	9	and	and	CCONJ
easat-7042	309	10	limitations	limitation	NOUN
easat-7042	309	11	5.1	5.1	NUM
easat-7042	309	12	.	.	PUNCT
easat-7042	310	1	discussion	discussion	NOUN
easat-7042	310	2	of	of	ADP
easat-7042	310	3	research	research	NOUN
easat-7042	310	4	findings	finding	NOUN
easat-7042	310	5	this	this	DET
easat-7042	310	6	study	study	NOUN
easat-7042	310	7	identifies	identify	VERB
easat-7042	310	8	eight	eight	NUM
easat-7042	310	9	key	key	ADJ
easat-7042	310	10	factors	factor	NOUN
easat-7042	310	11	influencing	influence	VERB
easat-7042	310	12	the	the	DET
easat-7042	310	13	financial	financial	ADJ
easat-7042	310	14	sustainability	sustainability	NOUN
easat-7042	310	15	of	of	ADP
easat-7042	310	16	pcfs	pcfs	PROPN
easat-7042	310	17	in	in	ADP
easat-7042	310	18	vietnam	vietnam	PROPN
easat-7042	310	19	.	.	PUNCT
easat-7042	311	1	the	the	DET
easat-7042	311	2	regression	regression	NOUN
easat-7042	311	3	model	model	NOUN
easat-7042	311	4	produced	produce	VERB
easat-7042	311	5	an	an	DET
easat-7042	311	6	r²	r²	NOUN
easat-7042	311	7	value	value	NOUN
easat-7042	311	8	of	of	ADP
easat-7042	311	9	0.689	0.689	NUM
easat-7042	311	10	,	,	PUNCT
easat-7042	311	11	indicating	indicate	VERB
easat-7042	311	12	that	that	SCONJ
easat-7042	311	13	68.9	68.9	NUM
easat-7042	311	14	%	%	NOUN
easat-7042	311	15	of	of	ADP
easat-7042	311	16	the	the	DET
easat-7042	311	17	variance	variance	NOUN
easat-7042	311	18	in	in	ADP
easat-7042	311	19	financial	financial	ADJ
easat-7042	311	20	sustainability	sustainability	NOUN
easat-7042	311	21	is	be	AUX
easat-7042	311	22	explained	explain	VERB
easat-7042	311	23	by	by	ADP
easat-7042	311	24	the	the	DET
easat-7042	311	25	independent	independent	ADJ
easat-7042	311	26	variables	variable	NOUN
easat-7042	311	27	—	—	PUNCT
easat-7042	311	28	an	an	DET
easat-7042	311	29	appreciable	appreciable	ADJ
easat-7042	311	30	level	level	NOUN
easat-7042	311	31	of	of	ADP
easat-7042	311	32	explanatory	explanatory	ADJ
easat-7042	311	33	power	power	NOUN
easat-7042	311	34	in	in	ADP
easat-7042	311	35	social	social	ADJ
easat-7042	311	36	science	science	NOUN
easat-7042	311	37	research	research	NOUN
easat-7042	311	38	.	.	PUNCT
easat-7042	312	1	customer	customer	NOUN
easat-7042	312	2	outreach	outreach	NOUN
easat-7042	312	3	and	and	CCONJ
easat-7042	312	4	financial	financial	ADJ
easat-7042	312	5	sustainability	sustainability	NOUN
easat-7042	312	6	:	:	PUNCT
easat-7042	312	7	customer	customer	NOUN
easat-7042	312	8	outreach	outreach	NOUN
easat-7042	312	9	exerts	exert	VERB
easat-7042	312	10	the	the	DET
easat-7042	312	11	strongest	strong	ADJ
easat-7042	312	12	influence	influence	NOUN
easat-7042	312	13	on	on	ADP
easat-7042	312	14	the	the	DET
easat-7042	312	15	financial	financial	ADJ
easat-7042	312	16	sustainability	sustainability	NOUN
easat-7042	312	17	of	of	ADP
easat-7042	312	18	pcfs	pcfs	PROPN
easat-7042	312	19	(	(	PUNCT
easat-7042	312	20	β	β	X
easat-7042	312	21	=	=	PUNCT
easat-7042	312	22	0.324	0.324	NUM
easat-7042	312	23	,	,	PUNCT
easat-7042	312	24	p	p	X
easat-7042	312	25	<	<	X
easat-7042	312	26	0.001	0.001	NUM
easat-7042	312	27	)	)	PUNCT
easat-7042	312	28	.	.	PUNCT
easat-7042	313	1	this	this	DET
easat-7042	313	2	finding	finding	NOUN
easat-7042	313	3	aligns	align	VERB
easat-7042	313	4	with	with	ADP
easat-7042	313	5	hermes	herme	NOUN
easat-7042	313	6	,	,	PUNCT
easat-7042	313	7	et	et	PROPN
easat-7042	313	8	al	al	PROPN
easat-7042	313	9	.	.	PUNCT
easat-7042	314	1	[	[	X
easat-7042	314	2	35	35	NUM
easat-7042	314	3	]	]	PUNCT
easat-7042	314	4	who	who	PRON
easat-7042	314	5	emphasized	emphasize	VERB
easat-7042	314	6	that	that	SCONJ
easat-7042	314	7	effective	effective	ADJ
easat-7042	314	8	outreach	outreach	NOUN
easat-7042	314	9	and	and	CCONJ
easat-7042	314	10	customer	customer	NOUN
easat-7042	314	11	service	service	NOUN
easat-7042	314	12	are	be	AUX
easat-7042	314	13	pivotal	pivotal	ADJ
easat-7042	314	14	for	for	ADP
easat-7042	314	15	financial	financial	ADJ
easat-7042	314	16	sustainability	sustainability	NOUN
easat-7042	314	17	.	.	PUNCT
easat-7042	315	1	pcfs	pcfs	PROPN
easat-7042	315	2	with	with	ADP
easat-7042	315	3	robust	robust	ADJ
easat-7042	315	4	customer	customer	NOUN
easat-7042	315	5	outreach	outreach	NOUN
easat-7042	315	6	are	be	AUX
easat-7042	315	7	more	more	ADV
easat-7042	315	8	likely	likely	ADJ
easat-7042	315	9	to	to	PART
easat-7042	315	10	expand	expand	VERB
easat-7042	315	11	their	their	PRON
easat-7042	315	12	client	client	NOUN
easat-7042	315	13	base	base	NOUN
easat-7042	315	14	,	,	PUNCT
easat-7042	315	15	diversify	diversify	NOUN
easat-7042	315	16	service	service	NOUN
easat-7042	315	17	offerings	offering	NOUN
easat-7042	315	18	,	,	PUNCT
easat-7042	315	19	and	and	CCONJ
easat-7042	315	20	increase	increase	VERB
easat-7042	315	21	revenue	revenue	NOUN
easat-7042	315	22	streams	stream	NOUN
easat-7042	315	23	,	,	PUNCT
easat-7042	315	24	thereby	thereby	ADV
easat-7042	315	25	enhancing	enhance	VERB
easat-7042	315	26	sustainability	sustainability	NOUN
easat-7042	315	27	.	.	PUNCT
easat-7042	316	1	this	this	PRON
easat-7042	316	2	is	be	AUX
easat-7042	316	3	particularly	particularly	ADV
easat-7042	316	4	crucial	crucial	ADJ
easat-7042	316	5	in	in	ADP
easat-7042	316	6	the	the	DET
easat-7042	316	7	context	context	NOUN
easat-7042	316	8	of	of	ADP
easat-7042	316	9	rising	rise	VERB
easat-7042	316	10	competition	competition	NOUN
easat-7042	316	11	from	from	ADP
easat-7042	316	12	other	other	ADJ
easat-7042	316	13	financial	financial	ADJ
easat-7042	316	14	institutions	institution	NOUN
easat-7042	316	15	.	.	PUNCT
easat-7042	317	1	loan	loan	NOUN
easat-7042	317	2	portfolio	portfolio	NOUN
easat-7042	317	3	management	management	NOUN
easat-7042	317	4	and	and	CCONJ
easat-7042	317	5	financial	financial	ADJ
easat-7042	317	6	sustainability	sustainability	NOUN
easat-7042	317	7	:	:	PUNCT
easat-7042	317	8	loan	loan	NOUN
easat-7042	317	9	portfolio	portfolio	NOUN
easat-7042	317	10	management	management	NOUN
easat-7042	317	11	demonstrates	demonstrate	VERB
easat-7042	317	12	a	a	DET
easat-7042	317	13	significant	significant	ADJ
easat-7042	317	14	positive	positive	ADJ
easat-7042	317	15	effect	effect	NOUN
easat-7042	317	16	(	(	PUNCT
easat-7042	317	17	β	β	X
easat-7042	317	18	=	=	PUNCT
easat-7042	317	19	0.214	0.214	NUM
easat-7042	317	20	,	,	PUNCT
easat-7042	317	21	p	p	X
easat-7042	317	22	<	<	X
easat-7042	317	23	0.001	0.001	NUM
easat-7042	317	24	)	)	PUNCT
easat-7042	317	25	,	,	PUNCT
easat-7042	317	26	underscoring	underscore	VERB
easat-7042	317	27	the	the	DET
easat-7042	317	28	importance	importance	NOUN
easat-7042	317	29	of	of	ADP
easat-7042	317	30	effective	effective	ADJ
easat-7042	317	31	loan	loan	NOUN
easat-7042	317	32	management	management	NOUN
easat-7042	317	33	.	.	PUNCT
easat-7042	318	1	this	this	DET
easat-7042	318	2	result	result	NOUN
easat-7042	318	3	is	be	AUX
easat-7042	318	4	consistent	consistent	ADJ
easat-7042	318	5	with	with	ADP
easat-7042	318	6	nyamsogoro	nyamsogoro	NOUN
easat-7042	318	7	[	[	X
easat-7042	318	8	36	36	NUM
easat-7042	318	9	]	]	PUNCT
easat-7042	318	10	who	who	PRON
easat-7042	318	11	highlighted	highlight	VERB
easat-7042	318	12	the	the	DET
easat-7042	318	13	critical	critical	ADJ
easat-7042	318	14	role	role	NOUN
easat-7042	318	15	of	of	ADP
easat-7042	318	16	loan	loan	NOUN
easat-7042	318	17	portfolio	portfolio	NOUN
easat-7042	318	18	quality	quality	NOUN
easat-7042	318	19	in	in	ADP
easat-7042	318	20	determining	determine	VERB
easat-7042	318	21	profitability	profitability	NOUN
easat-7042	318	22	and	and	CCONJ
easat-7042	318	23	sustainability	sustainability	NOUN
easat-7042	318	24	.	.	PUNCT
easat-7042	319	1	pcfs	pcfs	PROPN
easat-7042	319	2	that	that	PRON
easat-7042	319	3	implement	implement	VERB
easat-7042	319	4	prudent	prudent	ADJ
easat-7042	319	5	lending	lending	NOUN
easat-7042	319	6	policies	policy	NOUN
easat-7042	319	7	,	,	PUNCT
easat-7042	319	8	rigorous	rigorous	ADJ
easat-7042	319	9	loan	loan	NOUN
easat-7042	319	10	appraisal	appraisal	NOUN
easat-7042	319	11	processes	process	NOUN
easat-7042	319	12	,	,	PUNCT
easat-7042	319	13	and	and	CCONJ
easat-7042	319	14	effective	effective	ADJ
easat-7042	319	15	monitoring	monitoring	NOUN
easat-7042	319	16	systems	system	NOUN
easat-7042	319	17	can	can	AUX
easat-7042	319	18	minimize	minimize	VERB
easat-7042	319	19	nonperforming	nonperforme	VERB
easat-7042	319	20	loans	loan	NOUN
easat-7042	319	21	,	,	PUNCT
easat-7042	319	22	ensure	ensure	VERB
easat-7042	319	23	stable	stable	ADJ
easat-7042	319	24	cash	cash	NOUN
easat-7042	319	25	flow	flow	NOUN
easat-7042	319	26	,	,	PUNCT
easat-7042	319	27	and	and	CCONJ
easat-7042	319	28	enhance	enhance	VERB
easat-7042	319	29	financial	financial	ADJ
easat-7042	319	30	sustainability	sustainability	NOUN
easat-7042	319	31	.	.	PUNCT
easat-7042	320	1	organizational	organizational	ADJ
easat-7042	320	2	capacity	capacity	NOUN
easat-7042	320	3	and	and	CCONJ
easat-7042	320	4	financial	financial	ADJ
easat-7042	320	5	sustainability	sustainability	NOUN
easat-7042	320	6	:	:	PUNCT
easat-7042	320	7	organizational	organizational	ADJ
easat-7042	320	8	capacity	capacity	NOUN
easat-7042	320	9	has	have	VERB
easat-7042	320	10	a	a	DET
easat-7042	320	11	significant	significant	ADJ
easat-7042	320	12	positive	positive	ADJ
easat-7042	320	13	impact	impact	NOUN
easat-7042	320	14	(	(	PUNCT
easat-7042	320	15	β	β	X
easat-7042	320	16	=	=	SYM
easat-7042	320	17	0.189	0.189	NUM
easat-7042	320	18	,	,	PUNCT
easat-7042	320	19	p	p	X
easat-7042	320	20	<	<	X
easat-7042	320	21	0.001	0.001	NUM
easat-7042	320	22	)	)	PUNCT
easat-7042	320	23	,	,	PUNCT
easat-7042	320	24	confirming	confirm	VERB
easat-7042	320	25	the	the	DET
easat-7042	320	26	vital	vital	ADJ
easat-7042	320	27	role	role	NOUN
easat-7042	320	28	of	of	ADP
easat-7042	320	29	organizational	organizational	ADJ
easat-7042	320	30	structure	structure	NOUN
easat-7042	320	31	and	and	CCONJ
easat-7042	320	32	managerial	managerial	ADJ
easat-7042	320	33	competence	competence	NOUN
easat-7042	320	34	.	.	PUNCT
easat-7042	321	1	this	this	PRON
easat-7042	321	2	is	be	AUX
easat-7042	321	3	in	in	ADP
easat-7042	321	4	line	line	NOUN
easat-7042	321	5	with	with	ADP
easat-7042	321	6	mersland	mersland	NOUN
easat-7042	321	7	and	and	CCONJ
easat-7042	321	8	strøm	strøm	NOUN
easat-7042	322	1	[	[	X
easat-7042	322	2	37	37	NUM
easat-7042	322	3	]	]	PUNCT
easat-7042	322	4	who	who	PRON
easat-7042	322	5	found	find	VERB
easat-7042	322	6	that	that	SCONJ
easat-7042	322	7	institutions	institution	NOUN
easat-7042	322	8	with	with	ADP
easat-7042	322	9	strong	strong	ADJ
easat-7042	322	10	governance	governance	NOUN
easat-7042	322	11	structures	structure	NOUN
easat-7042	322	12	,	,	PUNCT
easat-7042	322	13	qualified	qualified	ADJ
easat-7042	322	14	staff	staff	NOUN
easat-7042	322	15	,	,	PUNCT
easat-7042	322	16	and	and	CCONJ
easat-7042	322	17	efficient	efficient	ADJ
easat-7042	322	18	operations	operation	NOUN
easat-7042	322	19	tend	tend	VERB
easat-7042	322	20	to	to	PART
easat-7042	322	21	be	be	AUX
easat-7042	322	22	more	more	ADV
easat-7042	322	23	financially	financially	ADV
easat-7042	322	24	sustainable	sustainable	ADJ
easat-7042	322	25	.	.	PUNCT
easat-7042	323	1	pcfs	pcfs	PROPN
easat-7042	323	2	should	should	AUX
easat-7042	323	3	invest	invest	VERB
easat-7042	323	4	in	in	ADP
easat-7042	323	5	capacity	capacity	NOUN
easat-7042	323	6	building	build	VERB
easat-7042	323	7	through	through	ADP
easat-7042	323	8	staff	staff	NOUN
easat-7042	323	9	training	training	NOUN
easat-7042	323	10	,	,	PUNCT
easat-7042	323	11	process	process	NOUN
easat-7042	323	12	improvement	improvement	NOUN
easat-7042	323	13	,	,	PUNCT
easat-7042	323	14	and	and	CCONJ
easat-7042	323	15	adoption	adoption	NOUN
easat-7042	323	16	of	of	ADP
easat-7042	323	17	advanced	advanced	ADJ
easat-7042	323	18	technologies	technology	NOUN
easat-7042	323	19	.	.	PUNCT
easat-7042	324	1	productivity	productivity	NOUN
easat-7042	324	2	and	and	CCONJ
easat-7042	324	3	financial	financial	ADJ
easat-7042	324	4	sustainability	sustainability	NOUN
easat-7042	324	5	:	:	PUNCT
easat-7042	324	6	productivity	productivity	NOUN
easat-7042	324	7	has	have	VERB
easat-7042	324	8	a	a	DET
easat-7042	324	9	positive	positive	ADJ
easat-7042	324	10	effect	effect	NOUN
easat-7042	324	11	(	(	PUNCT
easat-7042	324	12	β	β	X
easat-7042	324	13	=	=	SYM
easat-7042	324	14	0.168	0.168	NUM
easat-7042	324	15	,	,	PUNCT
easat-7042	324	16	p	p	X
easat-7042	324	17	=	=	NOUN
easat-7042	324	18	0.003	0.003	NUM
easat-7042	324	19	)	)	PUNCT
easat-7042	324	20	,	,	PUNCT
easat-7042	324	21	reflecting	reflect	VERB
easat-7042	324	22	the	the	DET
easat-7042	324	23	importance	importance	NOUN
easat-7042	324	24	of	of	ADP
easat-7042	324	25	operational	operational	ADJ
easat-7042	324	26	efficiency	efficiency	NOUN
easat-7042	324	27	.	.	PUNCT
easat-7042	325	1	this	this	PRON
easat-7042	325	2	supports	support	VERB
easat-7042	325	3	the	the	DET
easat-7042	325	4	findings	finding	NOUN
easat-7042	325	5	of	of	ADP
easat-7042	325	6	cull	cull	NOUN
easat-7042	325	7	,	,	PUNCT
easat-7042	325	8	et	et	PROPN
easat-7042	325	9	al	al	PROPN
easat-7042	325	10	.	.	PUNCT
easat-7042	326	1	[	[	X
easat-7042	326	2	38	38	NUM
easat-7042	326	3	]	]	PUNCT
easat-7042	326	4	who	who	PRON
easat-7042	326	5	argued	argue	VERB
easat-7042	326	6	that	that	SCONJ
easat-7042	326	7	high	high	ADJ
easat-7042	326	8	productivity	productivity	NOUN
easat-7042	326	9	enables	enable	VERB
easat-7042	326	10	better	well	ADJ
easat-7042	326	11	resource	resource	NOUN
easat-7042	326	12	utilization	utilization	NOUN
easat-7042	326	13	and	and	CCONJ
easat-7042	326	14	improved	improved	ADJ
easat-7042	326	15	profitability	profitability	NOUN
easat-7042	326	16	.	.	PUNCT
easat-7042	327	1	pcfs	pcfs	PROPN
easat-7042	327	2	should	should	AUX
easat-7042	327	3	focus	focus	VERB
easat-7042	327	4	on	on	ADP
easat-7042	327	5	enhancing	enhance	VERB
easat-7042	327	6	productivity	productivity	NOUN
easat-7042	327	7	through	through	ADP
easat-7042	327	8	process	process	NOUN
easat-7042	327	9	innovation	innovation	NOUN
easat-7042	327	10	,	,	PUNCT
easat-7042	327	11	automation	automation	NOUN
easat-7042	327	12	,	,	PUNCT
easat-7042	327	13	and	and	CCONJ
easat-7042	327	14	cost	cost	NOUN
easat-7042	327	15	optimization	optimization	NOUN
easat-7042	327	16	.	.	PUNCT
easat-7042	328	1	943	943	NUM
easat-7042	328	2	edelweiss	edelweiss	PROPN
easat-7042	328	3	applied	apply	VERB
easat-7042	328	4	science	science	NOUN
easat-7042	328	5	and	and	CCONJ
easat-7042	328	6	technology	technology	NOUN
easat-7042	328	7	issn	issn	PROPN
easat-7042	328	8	:	:	PUNCT
easat-7042	328	9	2576	2576	NUM
easat-7042	328	10	-	-	SYM
easat-7042	328	11	8484	8484	NUM
easat-7042	328	12	vol	vol	NOUN
easat-7042	328	13	.	.	PROPN
easat-7042	329	1	9	9	NUM
easat-7042	329	2	,	,	PUNCT
easat-7042	329	3	no	no	INTJ
easat-7042	329	4	.	.	NOUN
easat-7042	329	5	5	5	NUM
easat-7042	329	6	:	:	SYM
easat-7042	329	7	930	930	NUM
easat-7042	329	8	-	-	SYM
easat-7042	329	9	946	946	NUM
easat-7042	329	10	,	,	PUNCT
easat-7042	329	11	2025	2025	NUM
easat-7042	329	12	doi	doi	NOUN
easat-7042	329	13	:	:	PUNCT
easat-7042	329	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	329	15	©	©	PROPN
easat-7042	329	16	2025	2025	NUM
easat-7042	329	17	by	by	ADP
easat-7042	329	18	the	the	DET
easat-7042	329	19	authors	author	NOUN
easat-7042	329	20	;	;	PUNCT
easat-7042	329	21	licensee	licensee	PROPN
easat-7042	329	22	learning	learn	VERB
easat-7042	329	23	gate	gate	NOUN
easat-7042	329	24	governance	governance	NOUN
easat-7042	329	25	quality	quality	NOUN
easat-7042	329	26	and	and	CCONJ
easat-7042	329	27	financial	financial	ADJ
easat-7042	329	28	sustainability	sustainability	NOUN
easat-7042	329	29	:	:	PUNCT
easat-7042	329	30	governance	governance	NOUN
easat-7042	329	31	quality	quality	NOUN
easat-7042	329	32	shows	show	VERB
easat-7042	329	33	a	a	DET
easat-7042	329	34	positive	positive	ADJ
easat-7042	329	35	impact	impact	NOUN
easat-7042	329	36	(	(	PUNCT
easat-7042	329	37	β	β	X
easat-7042	329	38	=	=	SYM
easat-7042	329	39	0.152	0.152	NUM
easat-7042	329	40	,	,	PUNCT
easat-7042	329	41	p	p	X
easat-7042	329	42	=	=	NOUN
easat-7042	329	43	0.004	0.004	NUM
easat-7042	329	44	)	)	PUNCT
easat-7042	329	45	,	,	PUNCT
easat-7042	329	46	reaffirming	reaffirm	VERB
easat-7042	329	47	the	the	DET
easat-7042	329	48	significance	significance	NOUN
easat-7042	329	49	of	of	ADP
easat-7042	329	50	effective	effective	ADJ
easat-7042	329	51	corporate	corporate	ADJ
easat-7042	329	52	governance	governance	NOUN
easat-7042	329	53	.	.	PUNCT
easat-7042	330	1	this	this	DET
easat-7042	330	2	result	result	NOUN
easat-7042	330	3	concurs	concur	VERB
easat-7042	330	4	with	with	ADP
easat-7042	330	5	hartarska	hartarska	NOUN
easat-7042	330	6	[	[	X
easat-7042	330	7	7	7	X
easat-7042	330	8	]	]	PUNCT
easat-7042	330	9	who	who	PRON
easat-7042	330	10	demonstrated	demonstrate	VERB
easat-7042	330	11	that	that	SCONJ
easat-7042	330	12	sound	sound	ADJ
easat-7042	330	13	governance	governance	NOUN
easat-7042	330	14	leads	lead	VERB
easat-7042	330	15	to	to	ADP
easat-7042	330	16	more	more	ADV
easat-7042	330	17	effective	effective	ADJ
easat-7042	330	18	decision	decision	NOUN
easat-7042	330	19	-	-	PUNCT
easat-7042	330	20	making	making	NOUN
easat-7042	330	21	,	,	PUNCT
easat-7042	330	22	lower	low	ADJ
easat-7042	330	23	risk	risk	NOUN
easat-7042	330	24	exposure	exposure	NOUN
easat-7042	330	25	,	,	PUNCT
easat-7042	330	26	and	and	CCONJ
easat-7042	330	27	stronger	strong	ADJ
easat-7042	330	28	stakeholder	stakeholder	NOUN
easat-7042	330	29	confidence	confidence	NOUN
easat-7042	330	30	.	.	PUNCT
easat-7042	331	1	pcfs	pcfs	PROPN
easat-7042	331	2	should	should	AUX
easat-7042	331	3	establish	establish	VERB
easat-7042	331	4	transparent	transparent	ADJ
easat-7042	331	5	,	,	PUNCT
easat-7042	331	6	accountable	accountable	ADJ
easat-7042	331	7	,	,	PUNCT
easat-7042	331	8	and	and	CCONJ
easat-7042	331	9	efficient	efficient	ADJ
easat-7042	331	10	governance	governance	NOUN
easat-7042	331	11	mechanisms	mechanism	NOUN
easat-7042	331	12	to	to	PART
easat-7042	331	13	foster	foster	VERB
easat-7042	331	14	sustainability	sustainability	NOUN
easat-7042	331	15	.	.	PUNCT
easat-7042	332	1	transparency	transparency	NOUN
easat-7042	332	2	and	and	CCONJ
easat-7042	332	3	financial	financial	ADJ
easat-7042	332	4	sustainability	sustainability	NOUN
easat-7042	332	5	:	:	PUNCT
easat-7042	332	6	transparency	transparency	NOUN
easat-7042	332	7	exerts	exert	VERB
easat-7042	332	8	a	a	DET
easat-7042	332	9	positive	positive	ADJ
easat-7042	332	10	influence	influence	NOUN
easat-7042	332	11	(	(	PUNCT
easat-7042	332	12	β	β	X
easat-7042	332	13	=	=	SYM
easat-7042	332	14	0.112	0.112	NUM
easat-7042	332	15	,	,	PUNCT
easat-7042	332	16	p	p	X
easat-7042	332	17	=	=	PROPN
easat-7042	332	18	0.027	0.027	NUM
easat-7042	332	19	)	)	PUNCT
easat-7042	332	20	,	,	PUNCT
easat-7042	332	21	highlighting	highlight	VERB
easat-7042	332	22	the	the	DET
easat-7042	332	23	importance	importance	NOUN
easat-7042	332	24	of	of	ADP
easat-7042	332	25	information	information	NOUN
easat-7042	332	26	disclosure	disclosure	NOUN
easat-7042	332	27	.	.	PUNCT
easat-7042	333	1	this	this	PRON
easat-7042	333	2	aligns	align	VERB
easat-7042	333	3	with	with	ADP
easat-7042	333	4	beisland	beisland	NOUN
easat-7042	333	5	,	,	PUNCT
easat-7042	333	6	et	et	PROPN
easat-7042	333	7	al	al	PROPN
easat-7042	333	8	.	.	PUNCT
easat-7042	334	1	[	[	X
easat-7042	334	2	39	39	NUM
easat-7042	334	3	]	]	PUNCT
easat-7042	334	4	who	who	PRON
easat-7042	334	5	found	find	VERB
easat-7042	334	6	that	that	SCONJ
easat-7042	334	7	transparency	transparency	NOUN
easat-7042	334	8	enhances	enhance	VERB
easat-7042	334	9	stakeholder	stakeholder	NOUN
easat-7042	334	10	trust	trust	NOUN
easat-7042	334	11	and	and	CCONJ
easat-7042	334	12	attracts	attract	VERB
easat-7042	334	13	investment	investment	NOUN
easat-7042	334	14	.	.	PUNCT
easat-7042	335	1	pcfs	pcfs	PROPN
easat-7042	335	2	should	should	AUX
easat-7042	335	3	ensure	ensure	VERB
easat-7042	335	4	transparency	transparency	NOUN
easat-7042	335	5	in	in	ADP
easat-7042	335	6	financial	financial	ADJ
easat-7042	335	7	reporting	reporting	NOUN
easat-7042	335	8	,	,	PUNCT
easat-7042	335	9	operational	operational	ADJ
easat-7042	335	10	processes	process	NOUN
easat-7042	335	11	,	,	PUNCT
easat-7042	335	12	and	and	CCONJ
easat-7042	335	13	decision	decision	NOUN
easat-7042	335	14	-	-	PUNCT
easat-7042	335	15	making	making	NOUN
easat-7042	335	16	to	to	PART
easat-7042	335	17	strengthen	strengthen	VERB
easat-7042	335	18	credibility	credibility	NOUN
easat-7042	335	19	and	and	CCONJ
easat-7042	335	20	sustainability	sustainability	NOUN
easat-7042	335	21	.	.	PUNCT
easat-7042	336	1	financial	financial	ADJ
easat-7042	336	2	management	management	NOUN
easat-7042	336	3	and	and	CCONJ
easat-7042	336	4	financial	financial	ADJ
easat-7042	336	5	sustainability	sustainability	NOUN
easat-7042	336	6	:	:	PUNCT
easat-7042	336	7	although	although	SCONJ
easat-7042	336	8	financial	financial	ADJ
easat-7042	336	9	management	management	NOUN
easat-7042	336	10	shows	show	VERB
easat-7042	336	11	a	a	DET
easat-7042	336	12	positive	positive	ADJ
easat-7042	336	13	coefficient	coefficient	NOUN
easat-7042	336	14	(	(	PUNCT
easat-7042	336	15	β	β	X
easat-7042	336	16	=	=	SYM
easat-7042	336	17	0.065	0.065	NUM
easat-7042	336	18	)	)	PUNCT
easat-7042	336	19	,	,	PUNCT
easat-7042	336	20	the	the	DET
easat-7042	336	21	effect	effect	NOUN
easat-7042	336	22	is	be	AUX
easat-7042	336	23	not	not	PART
easat-7042	336	24	statistically	statistically	ADV
easat-7042	336	25	significant	significant	ADJ
easat-7042	336	26	at	at	ADP
easat-7042	336	27	the	the	DET
easat-7042	336	28	5	5	NUM
easat-7042	336	29	%	%	NOUN
easat-7042	336	30	level	level	NOUN
easat-7042	336	31	(	(	PUNCT
easat-7042	336	32	p	p	NOUN
easat-7042	336	33	=	=	NOUN
easat-7042	336	34	0.235	0.235	NUM
easat-7042	336	35	)	)	PUNCT
easat-7042	336	36	.	.	PUNCT
easat-7042	337	1	this	this	PRON
easat-7042	337	2	deviates	deviate	VERB
easat-7042	337	3	from	from	ADP
easat-7042	337	4	initial	initial	ADJ
easat-7042	337	5	expectations	expectation	NOUN
easat-7042	337	6	and	and	CCONJ
easat-7042	337	7	may	may	AUX
easat-7042	337	8	reflect	reflect	VERB
easat-7042	337	9	the	the	DET
easat-7042	337	10	current	current	ADJ
easat-7042	337	11	limitations	limitation	NOUN
easat-7042	337	12	in	in	ADP
easat-7042	337	13	standardized	standardized	ADJ
easat-7042	337	14	and	and	CCONJ
easat-7042	337	15	professional	professional	ADJ
easat-7042	337	16	financial	financial	ADJ
easat-7042	337	17	management	management	NOUN
easat-7042	337	18	practices	practice	NOUN
easat-7042	337	19	among	among	ADP
easat-7042	337	20	pcfs	pcfs	PROPN
easat-7042	337	21	in	in	ADP
easat-7042	337	22	vietnam	vietnam	PROPN
easat-7042	337	23	.	.	PUNCT
easat-7042	338	1	this	this	PRON
easat-7042	338	2	suggests	suggest	VERB
easat-7042	338	3	a	a	DET
easat-7042	338	4	need	need	NOUN
easat-7042	338	5	for	for	ADP
easat-7042	338	6	enhancing	enhance	VERB
easat-7042	338	7	financial	financial	ADJ
easat-7042	338	8	management	management	NOUN
easat-7042	338	9	capacity	capacity	NOUN
easat-7042	338	10	to	to	PART
easat-7042	338	11	positively	positively	ADV
easat-7042	338	12	influence	influence	VERB
easat-7042	338	13	sustainability	sustainability	NOUN
easat-7042	338	14	.	.	PUNCT
easat-7042	339	1	financial	financial	ADJ
easat-7042	339	2	autonomy	autonomy	NOUN
easat-7042	339	3	and	and	CCONJ
easat-7042	339	4	financial	financial	ADJ
easat-7042	339	5	sustainability	sustainability	NOUN
easat-7042	339	6	:	:	PUNCT
easat-7042	339	7	notably	notably	ADV
easat-7042	339	8	,	,	PUNCT
easat-7042	339	9	financial	financial	ADJ
easat-7042	339	10	autonomy	autonomy	NOUN
easat-7042	339	11	has	have	VERB
easat-7042	339	12	a	a	DET
easat-7042	339	13	negative	negative	ADJ
easat-7042	339	14	impact	impact	NOUN
easat-7042	339	15	on	on	ADP
easat-7042	339	16	financial	financial	ADJ
easat-7042	339	17	sustainability	sustainability	NOUN
easat-7042	339	18	(	(	PUNCT
easat-7042	339	19	β	β	X
easat-7042	339	20	=	=	SYM
easat-7042	339	21	-0.129	-0.129	PROPN
easat-7042	339	22	,	,	PUNCT
easat-7042	339	23	p	p	X
easat-7042	339	24	=	=	NOUN
easat-7042	339	25	0.019	0.019	NUM
easat-7042	339	26	)	)	PUNCT
easat-7042	339	27	,	,	PUNCT
easat-7042	339	28	contrary	contrary	ADV
easat-7042	339	29	to	to	ADP
easat-7042	339	30	initial	initial	ADJ
easat-7042	339	31	expectations	expectation	NOUN
easat-7042	339	32	.	.	PUNCT
easat-7042	340	1	this	this	PRON
easat-7042	340	2	may	may	AUX
easat-7042	340	3	be	be	AUX
easat-7042	340	4	attributed	attribute	VERB
easat-7042	340	5	to	to	ADP
easat-7042	340	6	the	the	DET
easat-7042	340	7	unique	unique	ADJ
easat-7042	340	8	characteristics	characteristic	NOUN
easat-7042	340	9	of	of	ADP
easat-7042	340	10	pcfs	pcfs	PROPN
easat-7042	340	11	in	in	ADP
easat-7042	340	12	vietnam	vietnam	PROPN
easat-7042	340	13	,	,	PUNCT
easat-7042	340	14	where	where	SCONJ
easat-7042	340	15	moving	move	VERB
easat-7042	340	16	toward	toward	ADP
easat-7042	340	17	financial	financial	ADJ
easat-7042	340	18	autonomy	autonomy	NOUN
easat-7042	340	19	may	may	AUX
easat-7042	340	20	reduce	reduce	VERB
easat-7042	340	21	support	support	NOUN
easat-7042	340	22	from	from	ADP
easat-7042	340	23	the	the	DET
easat-7042	340	24	government	government	NOUN
easat-7042	340	25	or	or	CCONJ
easat-7042	340	26	international	international	ADJ
easat-7042	340	27	organizations	organization	NOUN
easat-7042	340	28	,	,	PUNCT
easat-7042	340	29	while	while	SCONJ
easat-7042	340	30	pcfs	pcfs	PROPN
easat-7042	340	31	may	may	AUX
easat-7042	340	32	not	not	PART
easat-7042	340	33	yet	yet	ADV
easat-7042	340	34	be	be	AUX
easat-7042	340	35	fully	fully	ADV
easat-7042	340	36	capable	capable	ADJ
easat-7042	340	37	of	of	ADP
easat-7042	340	38	operating	operate	VERB
easat-7042	340	39	independently	independently	ADV
easat-7042	340	40	.	.	PUNCT
easat-7042	341	1	these	these	DET
easat-7042	341	2	findings	finding	NOUN
easat-7042	341	3	suggest	suggest	VERB
easat-7042	341	4	that	that	SCONJ
easat-7042	341	5	the	the	DET
easat-7042	341	6	path	path	NOUN
easat-7042	341	7	to	to	ADP
easat-7042	341	8	financial	financial	ADJ
easat-7042	341	9	autonomy	autonomy	NOUN
easat-7042	341	10	should	should	AUX
easat-7042	341	11	be	be	AUX
easat-7042	341	12	gradual	gradual	ADJ
easat-7042	341	13	and	and	CCONJ
easat-7042	341	14	aligned	align	VERB
easat-7042	341	15	with	with	ADP
easat-7042	341	16	the	the	DET
easat-7042	341	17	actual	actual	ADJ
easat-7042	341	18	capacity	capacity	NOUN
easat-7042	341	19	of	of	ADP
easat-7042	341	20	pcfs	pcfs	NOUN
easat-7042	341	21	.	.	PUNCT
easat-7042	342	1	5.2	5.2	NUM
easat-7042	342	2	.	.	PUNCT
easat-7042	343	1	theoretical	theoretical	ADJ
easat-7042	343	2	contributions	contribution	NOUN
easat-7042	343	3	this	this	DET
easat-7042	343	4	study	study	NOUN
easat-7042	343	5	contributes	contribute	VERB
easat-7042	343	6	to	to	ADP
easat-7042	343	7	the	the	DET
easat-7042	343	8	theoretical	theoretical	ADJ
easat-7042	343	9	literature	literature	NOUN
easat-7042	343	10	on	on	ADP
easat-7042	343	11	microfinance	microfinance	NOUN
easat-7042	343	12	and	and	CCONJ
easat-7042	343	13	the	the	DET
easat-7042	343	14	financial	financial	ADJ
easat-7042	343	15	sustainability	sustainability	NOUN
easat-7042	343	16	of	of	ADP
easat-7042	343	17	community	community	NOUN
easat-7042	343	18	-	-	PUNCT
easat-7042	343	19	based	base	VERB
easat-7042	343	20	financial	financial	ADJ
easat-7042	343	21	institutions	institution	NOUN
easat-7042	343	22	in	in	ADP
easat-7042	343	23	several	several	ADJ
easat-7042	343	24	ways	way	NOUN
easat-7042	343	25	:	:	PUNCT
easat-7042	343	26	first	first	ADV
easat-7042	343	27	,	,	PUNCT
easat-7042	343	28	the	the	DET
easat-7042	343	29	study	study	NOUN
easat-7042	343	30	develops	develop	VERB
easat-7042	343	31	and	and	CCONJ
easat-7042	343	32	empirically	empirically	ADV
easat-7042	343	33	tests	test	VERB
easat-7042	343	34	a	a	DET
easat-7042	343	35	comprehensive	comprehensive	ADJ
easat-7042	343	36	model	model	NOUN
easat-7042	343	37	integrating	integrate	VERB
easat-7042	343	38	both	both	CCONJ
easat-7042	343	39	internal	internal	ADJ
easat-7042	343	40	(	(	PUNCT
easat-7042	343	41	e.g.	e.g.	ADJ
easat-7042	343	42	,	,	PUNCT
easat-7042	343	43	organizational	organizational	ADJ
easat-7042	343	44	capacity	capacity	NOUN
easat-7042	343	45	,	,	PUNCT
easat-7042	343	46	governance	governance	NOUN
easat-7042	343	47	)	)	PUNCT
easat-7042	343	48	and	and	CCONJ
easat-7042	343	49	external	external	ADJ
easat-7042	343	50	(	(	PUNCT
easat-7042	343	51	e.g.	e.g.	ADJ
easat-7042	343	52	,	,	PUNCT
easat-7042	343	53	customer	customer	NOUN
easat-7042	343	54	outreach	outreach	NOUN
easat-7042	343	55	,	,	PUNCT
easat-7042	343	56	transparency	transparency	NOUN
easat-7042	343	57	)	)	PUNCT
easat-7042	343	58	factors	factor	NOUN
easat-7042	343	59	influencing	influence	VERB
easat-7042	343	60	the	the	DET
easat-7042	343	61	financial	financial	ADJ
easat-7042	343	62	sustainability	sustainability	NOUN
easat-7042	343	63	of	of	ADP
easat-7042	343	64	pcfs	pcfs	PROPN
easat-7042	343	65	.	.	PUNCT
easat-7042	344	1	this	this	DET
easat-7042	344	2	model	model	NOUN
easat-7042	344	3	broadens	broaden	VERB
easat-7042	344	4	the	the	DET
easat-7042	344	5	understanding	understanding	NOUN
easat-7042	344	6	of	of	ADP
easat-7042	344	7	sustainability	sustainability	NOUN
easat-7042	344	8	in	in	ADP
easat-7042	344	9	the	the	DET
easat-7042	344	10	context	context	NOUN
easat-7042	344	11	of	of	ADP
easat-7042	344	12	community	community	NOUN
easat-7042	344	13	financial	financial	ADJ
easat-7042	344	14	institutions	institution	NOUN
easat-7042	344	15	.	.	PUNCT
easat-7042	345	1	second	second	ADV
easat-7042	345	2	,	,	PUNCT
easat-7042	345	3	the	the	DET
easat-7042	345	4	study	study	NOUN
easat-7042	345	5	identifies	identify	VERB
easat-7042	345	6	a	a	DET
easat-7042	345	7	negative	negative	ADJ
easat-7042	345	8	relationship	relationship	NOUN
easat-7042	345	9	between	between	ADP
easat-7042	345	10	financial	financial	ADJ
easat-7042	345	11	autonomy	autonomy	NOUN
easat-7042	345	12	and	and	CCONJ
easat-7042	345	13	sustainability	sustainability	NOUN
easat-7042	345	14	—	—	PUNCT
easat-7042	345	15	an	an	DET
easat-7042	345	16	unexpected	unexpected	ADJ
easat-7042	345	17	finding	finding	NOUN
easat-7042	345	18	that	that	PRON
easat-7042	345	19	challenges	challenge	VERB
easat-7042	345	20	previous	previous	ADJ
easat-7042	345	21	studies	study	NOUN
easat-7042	345	22	.	.	PUNCT
easat-7042	346	1	this	this	PRON
easat-7042	346	2	suggests	suggest	VERB
easat-7042	346	3	that	that	SCONJ
easat-7042	346	4	the	the	DET
easat-7042	346	5	link	link	NOUN
easat-7042	346	6	between	between	ADP
easat-7042	346	7	autonomy	autonomy	NOUN
easat-7042	346	8	and	and	CCONJ
easat-7042	346	9	sustainability	sustainability	NOUN
easat-7042	346	10	is	be	AUX
easat-7042	346	11	more	more	ADV
easat-7042	346	12	complex	complex	ADJ
easat-7042	346	13	and	and	CCONJ
easat-7042	346	14	may	may	AUX
easat-7042	346	15	be	be	AUX
easat-7042	346	16	context	context	NOUN
easat-7042	346	17	-	-	PUNCT
easat-7042	346	18	dependent	dependent	ADJ
easat-7042	346	19	.	.	PUNCT
easat-7042	347	1	third	third	ADV
easat-7042	347	2	,	,	PUNCT
easat-7042	347	3	the	the	DET
easat-7042	347	4	study	study	NOUN
easat-7042	347	5	underscores	underscore	VERB
easat-7042	347	6	the	the	DET
easat-7042	347	7	crucial	crucial	ADJ
easat-7042	347	8	roles	role	NOUN
easat-7042	347	9	of	of	ADP
easat-7042	347	10	customer	customer	NOUN
easat-7042	347	11	outreach	outreach	NOUN
easat-7042	347	12	and	and	CCONJ
easat-7042	347	13	loan	loan	NOUN
easat-7042	347	14	portfolio	portfolio	NOUN
easat-7042	347	15	management	management	NOUN
easat-7042	347	16	in	in	ADP
easat-7042	347	17	enhancing	enhance	VERB
easat-7042	347	18	sustainability	sustainability	NOUN
easat-7042	347	19	,	,	PUNCT
easat-7042	347	20	emphasizing	emphasize	VERB
easat-7042	347	21	the	the	DET
easat-7042	347	22	strategic	strategic	ADJ
easat-7042	347	23	importance	importance	NOUN
easat-7042	347	24	of	of	ADP
easat-7042	347	25	these	these	DET
easat-7042	347	26	factors	factor	NOUN
easat-7042	347	27	in	in	ADP
easat-7042	347	28	the	the	DET
easat-7042	347	29	long	long	ADJ
easat-7042	347	30	-	-	PUNCT
easat-7042	347	31	term	term	NOUN
easat-7042	347	32	development	development	NOUN
easat-7042	347	33	of	of	ADP
easat-7042	347	34	pcfs	pcfs	PROPN
easat-7042	347	35	.	.	PUNCT
easat-7042	348	1	5.3	5.3	NUM
easat-7042	348	2	.	.	PUNCT
easat-7042	348	3	practical	practical	ADJ
easat-7042	348	4	implications	implication	NOUN
easat-7042	348	5	this	this	DET
easat-7042	348	6	research	research	NOUN
easat-7042	348	7	offers	offer	VERB
easat-7042	348	8	several	several	ADJ
easat-7042	348	9	practical	practical	ADJ
easat-7042	348	10	insights	insight	NOUN
easat-7042	348	11	for	for	ADP
easat-7042	348	12	pcf	pcf	PROPN
easat-7042	348	13	managers	manager	NOUN
easat-7042	348	14	and	and	CCONJ
easat-7042	348	15	policymakers	policymaker	NOUN
easat-7042	348	16	:	:	PUNCT
easat-7042	348	17	for	for	ADP
easat-7042	348	18	pcf	pcf	PROPN
easat-7042	348	19	managers	manager	NOUN
easat-7042	348	20	,	,	PUNCT
easat-7042	348	21	the	the	DET
easat-7042	348	22	findings	finding	NOUN
easat-7042	348	23	suggest	suggest	VERB
easat-7042	348	24	prioritizing	prioritize	VERB
easat-7042	348	25	customer	customer	NOUN
easat-7042	348	26	outreach	outreach	NOUN
easat-7042	348	27	and	and	CCONJ
easat-7042	348	28	improving	improve	VERB
easat-7042	348	29	loan	loan	NOUN
easat-7042	348	30	portfolio	portfolio	NOUN
easat-7042	348	31	management	management	NOUN
easat-7042	348	32	—	—	PUNCT
easat-7042	348	33	two	two	NUM
easat-7042	348	34	factors	factor	NOUN
easat-7042	348	35	with	with	ADP
easat-7042	348	36	the	the	DET
easat-7042	348	37	most	most	ADV
easat-7042	348	38	substantial	substantial	ADJ
easat-7042	348	39	impact	impact	NOUN
easat-7042	348	40	on	on	ADP
easat-7042	348	41	sustainability	sustainability	NOUN
easat-7042	348	42	.	.	PUNCT
easat-7042	349	1	additionally	additionally	ADV
easat-7042	349	2	,	,	PUNCT
easat-7042	349	3	attention	attention	NOUN
easat-7042	349	4	should	should	AUX
easat-7042	349	5	be	be	AUX
easat-7042	349	6	given	give	VERB
easat-7042	349	7	to	to	ADP
easat-7042	349	8	strengthening	strengthen	VERB
easat-7042	349	9	organizational	organizational	ADJ
easat-7042	349	10	capacity	capacity	NOUN
easat-7042	349	11	,	,	PUNCT
easat-7042	349	12	enhancing	enhance	VERB
easat-7042	349	13	productivity	productivity	NOUN
easat-7042	349	14	,	,	PUNCT
easat-7042	349	15	and	and	CCONJ
easat-7042	349	16	improving	improve	VERB
easat-7042	349	17	governance	governance	NOUN
easat-7042	349	18	quality	quality	NOUN
easat-7042	349	19	.	.	PUNCT
easat-7042	350	1	for	for	ADP
easat-7042	350	2	policymakers	policymaker	NOUN
easat-7042	350	3	,	,	PUNCT
easat-7042	350	4	the	the	DET
easat-7042	350	5	study	study	NOUN
easat-7042	350	6	indicates	indicate	VERB
easat-7042	350	7	that	that	SCONJ
easat-7042	350	8	promoting	promote	VERB
easat-7042	350	9	financial	financial	ADJ
easat-7042	350	10	autonomy	autonomy	NOUN
easat-7042	350	11	among	among	ADP
easat-7042	350	12	pcfs	pcfs	NOUN
easat-7042	350	13	should	should	AUX
easat-7042	350	14	be	be	AUX
easat-7042	350	15	approached	approach	VERB
easat-7042	350	16	cautiously	cautiously	ADV
easat-7042	350	17	,	,	PUNCT
easat-7042	350	18	with	with	ADP
easat-7042	350	19	a	a	DET
easat-7042	350	20	roadmap	roadmap	NOUN
easat-7042	350	21	that	that	PRON
easat-7042	350	22	reflects	reflect	VERB
easat-7042	350	23	institutional	institutional	ADJ
easat-7042	350	24	capacity	capacity	NOUN
easat-7042	350	25	.	.	PUNCT
easat-7042	351	1	policy	policy	NOUN
easat-7042	351	2	support	support	NOUN
easat-7042	351	3	should	should	AUX
easat-7042	351	4	focus	focus	VERB
easat-7042	351	5	on	on	ADP
easat-7042	351	6	capacity	capacity	NOUN
easat-7042	351	7	building	building	NOUN
easat-7042	351	8	,	,	PUNCT
easat-7042	351	9	improved	improved	ADJ
easat-7042	351	10	governance	governance	NOUN
easat-7042	351	11	,	,	PUNCT
easat-7042	351	12	and	and	CCONJ
easat-7042	351	13	facilitating	facilitate	VERB
easat-7042	351	14	broader	broad	ADJ
easat-7042	351	15	customer	customer	NOUN
easat-7042	351	16	access	access	NOUN
easat-7042	351	17	.	.	PUNCT
easat-7042	352	1	5.4	5.4	NUM
easat-7042	352	2	.	.	PUNCT
easat-7042	352	3	limitations	limitation	NOUN
easat-7042	352	4	and	and	CCONJ
easat-7042	352	5	future	future	ADJ
easat-7042	352	6	research	research	NOUN
easat-7042	352	7	directions	direction	NOUN
easat-7042	352	8	this	this	DET
easat-7042	352	9	study	study	NOUN
easat-7042	352	10	has	have	VERB
easat-7042	352	11	several	several	ADJ
easat-7042	352	12	limitations	limitation	NOUN
easat-7042	352	13	that	that	PRON
easat-7042	352	14	should	should	AUX
easat-7042	352	15	be	be	AUX
easat-7042	352	16	considered	consider	VERB
easat-7042	352	17	when	when	SCONJ
easat-7042	352	18	interpreting	interpret	VERB
easat-7042	352	19	the	the	DET
easat-7042	352	20	results	result	NOUN
easat-7042	352	21	:	:	PUNCT
easat-7042	352	22	first	first	ADV
easat-7042	352	23	,	,	PUNCT
easat-7042	352	24	the	the	DET
easat-7042	352	25	use	use	NOUN
easat-7042	352	26	of	of	ADP
easat-7042	352	27	convenience	convenience	NOUN
easat-7042	352	28	sampling	sampling	NOUN
easat-7042	352	29	may	may	AUX
easat-7042	352	30	introduce	introduce	VERB
easat-7042	352	31	selection	selection	NOUN
easat-7042	352	32	bias	bias	NOUN
easat-7042	352	33	.	.	PUNCT
easat-7042	353	1	future	future	ADJ
easat-7042	353	2	studies	study	NOUN
easat-7042	353	3	should	should	AUX
easat-7042	353	4	adopt	adopt	VERB
easat-7042	353	5	944	944	NUM
easat-7042	353	6	edelweiss	edelweiss	PROPN
easat-7042	353	7	applied	apply	VERB
easat-7042	353	8	science	science	NOUN
easat-7042	353	9	and	and	CCONJ
easat-7042	353	10	technology	technology	NOUN
easat-7042	353	11	issn	issn	PROPN
easat-7042	353	12	:	:	PUNCT
easat-7042	353	13	2576	2576	NUM
easat-7042	353	14	-	-	SYM
easat-7042	353	15	8484	8484	NUM
easat-7042	353	16	vol	vol	NOUN
easat-7042	353	17	.	.	PROPN
easat-7042	354	1	9	9	NUM
easat-7042	354	2	,	,	PUNCT
easat-7042	354	3	no	no	INTJ
easat-7042	354	4	.	.	NOUN
easat-7042	354	5	5	5	NUM
easat-7042	354	6	:	:	SYM
easat-7042	354	7	930	930	NUM
easat-7042	354	8	-	-	SYM
easat-7042	354	9	946	946	NUM
easat-7042	354	10	,	,	PUNCT
easat-7042	354	11	2025	2025	NUM
easat-7042	354	12	doi	doi	NOUN
easat-7042	354	13	:	:	PUNCT
easat-7042	354	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	354	15	©	©	PROPN
easat-7042	354	16	2025	2025	NUM
easat-7042	354	17	by	by	ADP
easat-7042	354	18	the	the	DET
easat-7042	354	19	authors	author	NOUN
easat-7042	354	20	;	;	PUNCT
easat-7042	354	21	licensee	licensee	PROPN
easat-7042	354	22	learning	learning	NOUN
easat-7042	354	23	gate	gate	VERB
easat-7042	354	24	random	random	ADJ
easat-7042	354	25	sampling	sampling	NOUN
easat-7042	354	26	techniques	technique	NOUN
easat-7042	354	27	to	to	PART
easat-7042	354	28	enhance	enhance	VERB
easat-7042	354	29	the	the	DET
easat-7042	354	30	representativeness	representativeness	NOUN
easat-7042	354	31	of	of	ADP
easat-7042	354	32	the	the	DET
easat-7042	354	33	sample	sample	NOUN
easat-7042	354	34	.	.	PUNCT
easat-7042	355	1	second	second	ADJ
easat-7042	355	2	,	,	PUNCT
easat-7042	355	3	the	the	DET
easat-7042	355	4	research	research	NOUN
easat-7042	355	5	focuses	focus	VERB
easat-7042	355	6	solely	solely	ADV
easat-7042	355	7	on	on	ADP
easat-7042	355	8	pcfs	pcfs	NOUN
easat-7042	355	9	in	in	ADP
easat-7042	355	10	vietnam	vietnam	PROPN
easat-7042	355	11	,	,	PUNCT
easat-7042	355	12	limiting	limit	VERB
easat-7042	355	13	the	the	DET
easat-7042	355	14	generalizability	generalizability	NOUN
easat-7042	355	15	of	of	ADP
easat-7042	355	16	the	the	DET
easat-7042	355	17	findings	finding	NOUN
easat-7042	355	18	to	to	ADP
easat-7042	355	19	other	other	ADJ
easat-7042	355	20	types	type	NOUN
easat-7042	355	21	of	of	ADP
easat-7042	355	22	microfinance	microfinance	NOUN
easat-7042	355	23	institutions	institution	NOUN
easat-7042	355	24	or	or	CCONJ
easat-7042	355	25	pcfs	pcfs	NOUN
easat-7042	355	26	in	in	ADP
easat-7042	355	27	other	other	ADJ
easat-7042	355	28	countries	country	NOUN
easat-7042	355	29	.	.	PUNCT
easat-7042	356	1	future	future	ADJ
easat-7042	356	2	research	research	NOUN
easat-7042	356	3	could	could	AUX
easat-7042	356	4	expand	expand	VERB
easat-7042	356	5	to	to	ADP
easat-7042	356	6	different	different	ADJ
easat-7042	356	7	institutional	institutional	ADJ
easat-7042	356	8	forms	form	NOUN
easat-7042	356	9	or	or	CCONJ
easat-7042	356	10	conduct	conduct	VERB
easat-7042	356	11	cross	cross	ADJ
easat-7042	356	12	-	-	ADJ
easat-7042	356	13	country	country	ADJ
easat-7042	356	14	comparisons	comparison	NOUN
easat-7042	356	15	.	.	PUNCT
easat-7042	357	1	third	third	ADJ
easat-7042	357	2	,	,	PUNCT
easat-7042	357	3	the	the	DET
easat-7042	357	4	study	study	NOUN
easat-7042	357	5	uses	use	VERB
easat-7042	357	6	cross	cross	ADJ
easat-7042	357	7	-	-	ADJ
easat-7042	357	8	sectional	sectional	ADJ
easat-7042	357	9	survey	survey	NOUN
easat-7042	357	10	data	datum	NOUN
easat-7042	357	11	,	,	PUNCT
easat-7042	357	12	which	which	PRON
easat-7042	357	13	limits	limit	VERB
easat-7042	357	14	the	the	DET
easat-7042	357	15	ability	ability	NOUN
easat-7042	357	16	to	to	PART
easat-7042	357	17	draw	draw	VERB
easat-7042	357	18	causal	causal	ADJ
easat-7042	357	19	inferences	inference	NOUN
easat-7042	357	20	.	.	PUNCT
easat-7042	358	1	future	future	ADJ
easat-7042	358	2	research	research	NOUN
easat-7042	358	3	could	could	AUX
easat-7042	358	4	utilize	utilize	VERB
easat-7042	358	5	panel	panel	NOUN
easat-7042	358	6	data	datum	NOUN
easat-7042	358	7	or	or	CCONJ
easat-7042	358	8	longitudinal	longitudinal	ADJ
easat-7042	358	9	designs	design	NOUN
easat-7042	358	10	to	to	PART
easat-7042	358	11	explore	explore	VERB
easat-7042	358	12	causal	causal	ADJ
easat-7042	358	13	relationships	relationship	NOUN
easat-7042	358	14	over	over	ADP
easat-7042	358	15	time	time	NOUN
easat-7042	358	16	.	.	PUNCT
easat-7042	359	1	fourth	fourth	ADJ
easat-7042	359	2	,	,	PUNCT
easat-7042	359	3	the	the	DET
easat-7042	359	4	study	study	NOUN
easat-7042	359	5	does	do	AUX
easat-7042	359	6	not	not	PART
easat-7042	359	7	fully	fully	ADV
easat-7042	359	8	incorporate	incorporate	VERB
easat-7042	359	9	external	external	ADJ
easat-7042	359	10	factors	factor	NOUN
easat-7042	359	11	such	such	ADJ
easat-7042	359	12	as	as	ADP
easat-7042	359	13	macroeconomic	macroeconomic	ADJ
easat-7042	359	14	conditions	condition	NOUN
easat-7042	359	15	,	,	PUNCT
easat-7042	359	16	government	government	NOUN
easat-7042	359	17	policies	policy	NOUN
easat-7042	359	18	,	,	PUNCT
easat-7042	359	19	and	and	CCONJ
easat-7042	359	20	industry	industry	NOUN
easat-7042	359	21	competition	competition	NOUN
easat-7042	359	22	.	.	PUNCT
easat-7042	360	1	future	future	ADJ
easat-7042	360	2	studies	study	NOUN
easat-7042	360	3	should	should	AUX
easat-7042	360	4	integrate	integrate	VERB
easat-7042	360	5	these	these	DET
easat-7042	360	6	variables	variable	NOUN
easat-7042	360	7	to	to	PART
easat-7042	360	8	provide	provide	VERB
easat-7042	360	9	a	a	DET
easat-7042	360	10	more	more	ADV
easat-7042	360	11	holistic	holistic	ADJ
easat-7042	360	12	understanding	understanding	NOUN
easat-7042	360	13	of	of	ADP
easat-7042	360	14	financial	financial	ADJ
easat-7042	360	15	sustainability	sustainability	NOUN
easat-7042	360	16	.	.	PUNCT
easat-7042	361	1	finally	finally	ADV
easat-7042	361	2	,	,	PUNCT
easat-7042	361	3	the	the	DET
easat-7042	361	4	finding	finding	NOUN
easat-7042	361	5	of	of	ADP
easat-7042	361	6	a	a	DET
easat-7042	361	7	negative	negative	ADJ
easat-7042	361	8	relationship	relationship	NOUN
easat-7042	361	9	between	between	ADP
easat-7042	361	10	financial	financial	ADJ
easat-7042	361	11	autonomy	autonomy	NOUN
easat-7042	361	12	and	and	CCONJ
easat-7042	361	13	sustainability	sustainability	NOUN
easat-7042	361	14	warrants	warrant	NOUN
easat-7042	361	15	deeper	deep	ADJ
easat-7042	361	16	exploration	exploration	NOUN
easat-7042	361	17	.	.	PUNCT
easat-7042	362	1	future	future	ADJ
easat-7042	362	2	research	research	NOUN
easat-7042	362	3	could	could	AUX
easat-7042	362	4	investigate	investigate	VERB
easat-7042	362	5	the	the	DET
easat-7042	362	6	mechanisms	mechanism	NOUN
easat-7042	362	7	and	and	CCONJ
easat-7042	362	8	conditions	condition	NOUN
easat-7042	362	9	under	under	ADP
easat-7042	362	10	which	which	PRON
easat-7042	362	11	financial	financial	ADJ
easat-7042	362	12	autonomy	autonomy	NOUN
easat-7042	362	13	influences	influence	VERB
easat-7042	362	14	sustainability	sustainability	NOUN
easat-7042	362	15	in	in	ADP
easat-7042	362	16	pcfs	pcfs	NOUN
easat-7042	362	17	.	.	PUNCT
easat-7042	363	1	6	6	X
easat-7042	363	2	.	.	X
easat-7042	363	3	conclusion	conclusion	NOUN
easat-7042	363	4	this	this	DET
easat-7042	363	5	study	study	NOUN
easat-7042	363	6	sheds	shed	VERB
easat-7042	363	7	light	light	NOUN
easat-7042	363	8	on	on	ADP
easat-7042	363	9	the	the	DET
easat-7042	363	10	factors	factor	NOUN
easat-7042	363	11	influencing	influence	VERB
easat-7042	363	12	the	the	DET
easat-7042	363	13	financial	financial	ADJ
easat-7042	363	14	sustainability	sustainability	NOUN
easat-7042	363	15	of	of	ADP
easat-7042	363	16	pcfs	pcfs	PROPN
easat-7042	363	17	in	in	ADP
easat-7042	363	18	vietnam	vietnam	PROPN
easat-7042	363	19	through	through	ADP
easat-7042	363	20	a	a	DET
easat-7042	363	21	quantitative	quantitative	ADJ
easat-7042	363	22	model	model	NOUN
easat-7042	363	23	with	with	ADP
easat-7042	363	24	a	a	DET
easat-7042	363	25	high	high	ADJ
easat-7042	363	26	explanatory	explanatory	ADJ
easat-7042	363	27	power	power	NOUN
easat-7042	363	28	(	(	PUNCT
easat-7042	363	29	r²	r²	NOUN
easat-7042	363	30	=	=	NOUN
easat-7042	363	31	0.689	0.689	NUM
easat-7042	363	32	)	)	PUNCT
easat-7042	363	33	.	.	PUNCT
easat-7042	364	1	the	the	DET
easat-7042	364	2	findings	finding	NOUN
easat-7042	364	3	identify	identify	VERB
easat-7042	364	4	eight	eight	NUM
easat-7042	364	5	key	key	ADJ
easat-7042	364	6	determinants	determinant	NOUN
easat-7042	364	7	,	,	PUNCT
easat-7042	364	8	among	among	ADP
easat-7042	364	9	which	which	PRON
easat-7042	364	10	customer	customer	NOUN
easat-7042	364	11	outreach	outreach	NOUN
easat-7042	364	12	,	,	PUNCT
easat-7042	364	13	loan	loan	NOUN
easat-7042	364	14	portfolio	portfolio	NOUN
easat-7042	364	15	management	management	NOUN
easat-7042	364	16	,	,	PUNCT
easat-7042	364	17	organizational	organizational	ADJ
easat-7042	364	18	capacity	capacity	NOUN
easat-7042	364	19	,	,	PUNCT
easat-7042	364	20	productivity	productivity	NOUN
easat-7042	364	21	,	,	PUNCT
easat-7042	364	22	governance	governance	NOUN
easat-7042	364	23	quality	quality	NOUN
easat-7042	364	24	,	,	PUNCT
easat-7042	364	25	and	and	CCONJ
easat-7042	364	26	transparency	transparency	NOUN
easat-7042	364	27	exhibit	exhibit	VERB
easat-7042	364	28	positive	positive	ADJ
easat-7042	364	29	and	and	CCONJ
easat-7042	364	30	statistically	statistically	ADV
easat-7042	364	31	significant	significant	ADJ
easat-7042	364	32	effects	effect	NOUN
easat-7042	364	33	.	.	PUNCT
easat-7042	365	1	notably	notably	ADV
easat-7042	365	2	,	,	PUNCT
easat-7042	365	3	customer	customer	NOUN
easat-7042	365	4	outreach	outreach	NOUN
easat-7042	365	5	emerges	emerge	VERB
easat-7042	365	6	as	as	ADP
easat-7042	365	7	the	the	DET
easat-7042	365	8	most	most	ADV
easat-7042	365	9	influential	influential	ADJ
easat-7042	365	10	factor	factor	NOUN
easat-7042	365	11	,	,	PUNCT
easat-7042	365	12	underscoring	underscore	VERB
easat-7042	365	13	the	the	DET
easat-7042	365	14	pivotal	pivotal	ADJ
easat-7042	365	15	role	role	NOUN
easat-7042	365	16	of	of	ADP
easat-7042	365	17	effective	effective	ADJ
easat-7042	365	18	and	and	CCONJ
easat-7042	365	19	inclusive	inclusive	ADJ
easat-7042	365	20	customer	customer	NOUN
easat-7042	365	21	service	service	NOUN
easat-7042	365	22	in	in	ADP
easat-7042	365	23	strengthening	strengthen	VERB
easat-7042	365	24	the	the	DET
easat-7042	365	25	financial	financial	ADJ
easat-7042	365	26	foundations	foundation	NOUN
easat-7042	365	27	of	of	ADP
easat-7042	365	28	pcfs	pcfs	NOUN
easat-7042	365	29	.	.	PUNCT
easat-7042	366	1	conversely	conversely	ADV
easat-7042	366	2	,	,	PUNCT
easat-7042	366	3	the	the	DET
easat-7042	366	4	remaining	remain	VERB
easat-7042	366	5	two	two	NUM
easat-7042	366	6	factors	factor	NOUN
easat-7042	366	7	—	—	PUNCT
easat-7042	366	8	financial	financial	ADJ
easat-7042	366	9	management	management	NOUN
easat-7042	366	10	and	and	CCONJ
easat-7042	366	11	financial	financial	ADJ
easat-7042	366	12	autonomy	autonomy	NOUN
easat-7042	366	13	—	—	PUNCT
easat-7042	366	14	demonstrate	demonstrate	VERB
easat-7042	366	15	unexpected	unexpected	ADJ
easat-7042	366	16	patterns	pattern	NOUN
easat-7042	366	17	.	.	PUNCT
easat-7042	367	1	while	while	SCONJ
easat-7042	367	2	financial	financial	ADJ
easat-7042	367	3	management	management	NOUN
easat-7042	367	4	does	do	AUX
easat-7042	367	5	not	not	PART
easat-7042	367	6	significantly	significantly	ADV
easat-7042	367	7	affect	affect	VERB
easat-7042	367	8	sustainability	sustainability	NOUN
easat-7042	367	9	,	,	PUNCT
easat-7042	367	10	financial	financial	ADJ
easat-7042	367	11	autonomy	autonomy	NOUN
easat-7042	367	12	shows	show	VERB
easat-7042	367	13	a	a	DET
easat-7042	367	14	negative	negative	ADJ
easat-7042	367	15	impact	impact	NOUN
easat-7042	367	16	,	,	PUNCT
easat-7042	367	17	contrary	contrary	ADJ
easat-7042	367	18	to	to	ADP
easat-7042	367	19	theoretical	theoretical	ADJ
easat-7042	367	20	expectations	expectation	NOUN
easat-7042	367	21	.	.	PUNCT
easat-7042	368	1	this	this	PRON
easat-7042	368	2	suggests	suggest	VERB
easat-7042	368	3	that	that	SCONJ
easat-7042	368	4	the	the	DET
easat-7042	368	5	push	push	NOUN
easat-7042	368	6	for	for	ADP
easat-7042	368	7	autonomy	autonomy	NOUN
easat-7042	368	8	may	may	AUX
easat-7042	368	9	pose	pose	VERB
easat-7042	368	10	internal	internal	ADJ
easat-7042	368	11	challenges	challenge	NOUN
easat-7042	368	12	for	for	ADP
easat-7042	368	13	pcfs	pcfs	NOUN
easat-7042	368	14	in	in	ADP
easat-7042	368	15	vietnam	vietnam	PROPN
easat-7042	368	16	and	and	CCONJ
easat-7042	368	17	highlights	highlight	NOUN
easat-7042	368	18	the	the	DET
easat-7042	368	19	need	need	NOUN
easat-7042	368	20	for	for	ADP
easat-7042	368	21	a	a	DET
easat-7042	368	22	phased	phase	VERB
easat-7042	368	23	and	and	CCONJ
easat-7042	368	24	capacity	capacity	NOUN
easat-7042	368	25	-	-	PUNCT
easat-7042	368	26	aligned	align	VERB
easat-7042	368	27	approach	approach	NOUN
easat-7042	368	28	to	to	ADP
easat-7042	368	29	achieving	achieve	VERB
easat-7042	368	30	financial	financial	ADJ
easat-7042	368	31	self	self	NOUN
easat-7042	368	32	-	-	PUNCT
easat-7042	368	33	reliance	reliance	NOUN
easat-7042	368	34	.	.	PUNCT
easat-7042	369	1	theoretically	theoretically	ADV
easat-7042	369	2	,	,	PUNCT
easat-7042	369	3	this	this	DET
easat-7042	369	4	research	research	NOUN
easat-7042	369	5	contributes	contribute	VERB
easat-7042	369	6	to	to	ADP
easat-7042	369	7	the	the	DET
easat-7042	369	8	microfinance	microfinance	NOUN
easat-7042	369	9	literature	literature	NOUN
easat-7042	369	10	by	by	ADP
easat-7042	369	11	proposing	propose	VERB
easat-7042	369	12	a	a	DET
easat-7042	369	13	comprehensive	comprehensive	ADJ
easat-7042	369	14	framework	framework	NOUN
easat-7042	369	15	that	that	PRON
easat-7042	369	16	integrates	integrate	VERB
easat-7042	369	17	both	both	CCONJ
easat-7042	369	18	internal	internal	ADJ
easat-7042	369	19	and	and	CCONJ
easat-7042	369	20	external	external	ADJ
easat-7042	369	21	drivers	driver	NOUN
easat-7042	369	22	of	of	ADP
easat-7042	369	23	financial	financial	ADJ
easat-7042	369	24	sustainability	sustainability	NOUN
easat-7042	369	25	.	.	PUNCT
easat-7042	370	1	importantly	importantly	ADV
easat-7042	370	2	,	,	PUNCT
easat-7042	370	3	it	it	PRON
easat-7042	370	4	identifies	identify	VERB
easat-7042	370	5	a	a	DET
easat-7042	370	6	noteworthy	noteworthy	ADJ
easat-7042	370	7	inverse	inverse	NOUN
easat-7042	370	8	relationship	relationship	NOUN
easat-7042	370	9	between	between	ADP
easat-7042	370	10	financial	financial	ADJ
easat-7042	370	11	autonomy	autonomy	NOUN
easat-7042	370	12	and	and	CCONJ
easat-7042	370	13	sustainability	sustainability	NOUN
easat-7042	370	14	,	,	PUNCT
easat-7042	370	15	challenging	challenge	VERB
easat-7042	370	16	conventional	conventional	ADJ
easat-7042	370	17	assumptions	assumption	NOUN
easat-7042	370	18	.	.	PUNCT
easat-7042	371	1	practically	practically	ADV
easat-7042	371	2	,	,	PUNCT
easat-7042	371	3	the	the	DET
easat-7042	371	4	findings	finding	NOUN
easat-7042	371	5	offer	offer	VERB
easat-7042	371	6	clear	clear	ADJ
easat-7042	371	7	managerial	managerial	ADJ
easat-7042	371	8	implications	implication	NOUN
easat-7042	371	9	for	for	ADP
easat-7042	371	10	pcf	pcf	PROPN
easat-7042	371	11	leaders	leader	NOUN
easat-7042	371	12	and	and	CCONJ
easat-7042	371	13	policymakers	policymaker	NOUN
easat-7042	371	14	—	—	PUNCT
easat-7042	371	15	particularly	particularly	ADV
easat-7042	371	16	in	in	ADP
easat-7042	371	17	enhancing	enhance	VERB
easat-7042	371	18	organizational	organizational	ADJ
easat-7042	371	19	capacity	capacity	NOUN
easat-7042	371	20	,	,	PUNCT
easat-7042	371	21	improving	improve	VERB
easat-7042	371	22	governance	governance	NOUN
easat-7042	371	23	,	,	PUNCT
easat-7042	371	24	and	and	CCONJ
easat-7042	371	25	refining	refining	NOUN
easat-7042	371	26	customer	customer	NOUN
easat-7042	371	27	engagement	engagement	NOUN
easat-7042	371	28	strategies	strategy	NOUN
easat-7042	371	29	.	.	PUNCT
easat-7042	372	1	nonetheless	nonetheless	ADV
easat-7042	372	2	,	,	PUNCT
easat-7042	372	3	this	this	DET
easat-7042	372	4	study	study	NOUN
easat-7042	372	5	is	be	AUX
easat-7042	372	6	not	not	PART
easat-7042	372	7	without	without	ADP
easat-7042	372	8	limitations	limitation	NOUN
easat-7042	372	9	.	.	PUNCT
easat-7042	373	1	it	it	PRON
easat-7042	373	2	employs	employ	VERB
easat-7042	373	3	a	a	DET
easat-7042	373	4	convenience	convenience	NOUN
easat-7042	373	5	sampling	sampling	NOUN
easat-7042	373	6	method	method	NOUN
easat-7042	373	7	,	,	PUNCT
easat-7042	373	8	cross	cross	ADJ
easat-7042	373	9	-	-	ADJ
easat-7042	373	10	sectional	sectional	ADJ
easat-7042	373	11	data	datum	NOUN
easat-7042	373	12	,	,	PUNCT
easat-7042	373	13	and	and	CCONJ
easat-7042	373	14	a	a	DET
easat-7042	373	15	context	context	NOUN
easat-7042	373	16	-	-	PUNCT
easat-7042	373	17	specific	specific	ADJ
easat-7042	373	18	focus	focus	NOUN
easat-7042	373	19	limited	limit	VERB
easat-7042	373	20	to	to	ADP
easat-7042	373	21	vietnam	vietnam	PROPN
easat-7042	373	22	.	.	PUNCT
easat-7042	374	1	future	future	ADJ
easat-7042	374	2	research	research	NOUN
easat-7042	374	3	should	should	AUX
easat-7042	374	4	expand	expand	VERB
easat-7042	374	5	the	the	DET
easat-7042	374	6	sample	sample	NOUN
easat-7042	374	7	scope	scope	NOUN
easat-7042	374	8	,	,	PUNCT
easat-7042	374	9	incorporate	incorporate	VERB
easat-7042	374	10	panel	panel	NOUN
easat-7042	374	11	data	datum	NOUN
easat-7042	374	12	,	,	PUNCT
easat-7042	374	13	and	and	CCONJ
easat-7042	374	14	consider	consider	VERB
easat-7042	374	15	macroeconomic	macroeconomic	ADJ
easat-7042	374	16	variables	variable	NOUN
easat-7042	374	17	to	to	PART
easat-7042	374	18	provide	provide	VERB
easat-7042	374	19	a	a	DET
easat-7042	374	20	more	more	ADV
easat-7042	374	21	comprehensive	comprehensive	ADJ
easat-7042	374	22	understanding	understanding	NOUN
easat-7042	374	23	of	of	ADP
easat-7042	374	24	financial	financial	ADJ
easat-7042	374	25	sustainability	sustainability	NOUN
easat-7042	374	26	in	in	ADP
easat-7042	374	27	community	community	NOUN
easat-7042	374	28	-	-	PUNCT
easat-7042	374	29	based	base	VERB
easat-7042	374	30	financial	financial	ADJ
easat-7042	374	31	institutions	institution	NOUN
easat-7042	374	32	.	.	PUNCT
easat-7042	375	1	transparency	transparency	NOUN
easat-7042	375	2	:	:	PUNCT
easat-7042	375	3	the	the	DET
easat-7042	375	4	authors	author	NOUN
easat-7042	375	5	confirm	confirm	VERB
easat-7042	375	6	that	that	SCONJ
easat-7042	375	7	the	the	DET
easat-7042	375	8	manuscript	manuscript	NOUN
easat-7042	375	9	is	be	AUX
easat-7042	375	10	an	an	DET
easat-7042	375	11	honest	honest	ADJ
easat-7042	375	12	,	,	PUNCT
easat-7042	375	13	accurate	accurate	ADJ
easat-7042	375	14	,	,	PUNCT
easat-7042	375	15	and	and	CCONJ
easat-7042	375	16	transparent	transparent	ADJ
easat-7042	375	17	account	account	NOUN
easat-7042	375	18	of	of	ADP
easat-7042	375	19	the	the	DET
easat-7042	375	20	study	study	NOUN
easat-7042	375	21	;	;	PUNCT
easat-7042	375	22	that	that	SCONJ
easat-7042	375	23	no	no	DET
easat-7042	375	24	vital	vital	ADJ
easat-7042	375	25	features	feature	NOUN
easat-7042	375	26	of	of	ADP
easat-7042	375	27	the	the	DET
easat-7042	375	28	study	study	NOUN
easat-7042	375	29	have	have	AUX
easat-7042	375	30	been	be	AUX
easat-7042	375	31	omitted	omit	VERB
easat-7042	375	32	;	;	PUNCT
easat-7042	375	33	and	and	CCONJ
easat-7042	375	34	that	that	SCONJ
easat-7042	375	35	any	any	DET
easat-7042	375	36	discrepancies	discrepancy	NOUN
easat-7042	375	37	from	from	ADP
easat-7042	375	38	the	the	DET
easat-7042	375	39	study	study	NOUN
easat-7042	375	40	as	as	SCONJ
easat-7042	375	41	planned	plan	VERB
easat-7042	375	42	have	have	AUX
easat-7042	375	43	been	be	AUX
easat-7042	375	44	explained	explain	VERB
easat-7042	375	45	.	.	PUNCT
easat-7042	376	1	this	this	DET
easat-7042	376	2	study	study	NOUN
easat-7042	376	3	followed	follow	VERB
easat-7042	376	4	all	all	DET
easat-7042	376	5	ethical	ethical	ADJ
easat-7042	376	6	practices	practice	NOUN
easat-7042	376	7	during	during	ADP
easat-7042	376	8	writing	writing	NOUN
easat-7042	376	9	.	.	PUNCT
easat-7042	377	1	acknowledgment	acknowledgment	NOUN
easat-7042	377	2	:	:	PUNCT
easat-7042	377	3	the	the	DET
easat-7042	377	4	authors	author	NOUN
easat-7042	377	5	gratefully	gratefully	ADV
easat-7042	377	6	acknowledge	acknowledge	VERB
easat-7042	377	7	the	the	DET
easat-7042	377	8	financial	financial	ADJ
easat-7042	377	9	support	support	NOUN
easat-7042	377	10	from	from	ADP
easat-7042	377	11	the	the	DET
easat-7042	377	12	banking	banking	NOUN
easat-7042	377	13	academy	academy	PROPN
easat-7042	377	14	of	of	ADP
easat-7042	377	15	vietnam	vietnam	PROPN
easat-7042	377	16	.	.	PUNCT
easat-7042	378	1	copyright	copyright	NOUN
easat-7042	378	2	:	:	PUNCT
easat-7042	378	3	©	©	PROPN
easat-7042	378	4	2025	2025	NUM
easat-7042	378	5	by	by	ADP
easat-7042	378	6	the	the	DET
easat-7042	378	7	authors	author	NOUN
easat-7042	378	8	.	.	PUNCT
easat-7042	379	1	this	this	DET
easat-7042	379	2	open	open	ADJ
easat-7042	379	3	-	-	PUNCT
easat-7042	379	4	access	access	NOUN
easat-7042	379	5	article	article	NOUN
easat-7042	379	6	is	be	AUX
easat-7042	379	7	distributed	distribute	VERB
easat-7042	379	8	under	under	ADP
easat-7042	379	9	the	the	DET
easat-7042	379	10	terms	term	NOUN
easat-7042	379	11	and	and	CCONJ
easat-7042	379	12	conditions	condition	NOUN
easat-7042	379	13	of	of	ADP
easat-7042	379	14	the	the	DET
easat-7042	379	15	creative	creative	ADJ
easat-7042	379	16	commons	common	NOUN
easat-7042	379	17	attribution	attribution	NOUN
easat-7042	379	18	(	(	PUNCT
easat-7042	379	19	cc	cc	NOUN
easat-7042	379	20	by	by	ADP
easat-7042	379	21	)	)	PUNCT
easat-7042	379	22	license	license	NOUN
easat-7042	379	23	(	(	PUNCT
easat-7042	379	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7042	379	25	)	)	PUNCT
easat-7042	379	26	.	.	PUNCT
easat-7042	380	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7042	380	2	945	945	NUM
easat-7042	380	3	edelweiss	edelweiss	PROPN
easat-7042	380	4	applied	apply	VERB
easat-7042	380	5	science	science	NOUN
easat-7042	380	6	and	and	CCONJ
easat-7042	380	7	technology	technology	NOUN
easat-7042	380	8	issn	issn	PROPN
easat-7042	380	9	:	:	PUNCT
easat-7042	380	10	2576	2576	NUM
easat-7042	380	11	-	-	SYM
easat-7042	380	12	8484	8484	NUM
easat-7042	380	13	vol	vol	NOUN
easat-7042	380	14	.	.	PROPN
easat-7042	381	1	9	9	NUM
easat-7042	381	2	,	,	PUNCT
easat-7042	381	3	no	no	INTJ
easat-7042	381	4	.	.	NOUN
easat-7042	381	5	5	5	NUM
easat-7042	381	6	:	:	SYM
easat-7042	381	7	930	930	NUM
easat-7042	381	8	-	-	SYM
easat-7042	381	9	946	946	NUM
easat-7042	381	10	,	,	PUNCT
easat-7042	381	11	2025	2025	NUM
easat-7042	381	12	doi	doi	NOUN
easat-7042	381	13	:	:	PUNCT
easat-7042	381	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	381	15	©	©	PROPN
easat-7042	381	16	2025	2025	NUM
easat-7042	381	17	by	by	ADP
easat-7042	381	18	the	the	DET
easat-7042	381	19	authors	author	NOUN
easat-7042	381	20	;	;	PUNCT
easat-7042	381	21	licensee	licensee	PROPN
easat-7042	381	22	learning	learn	VERB
easat-7042	381	23	gate	gate	NOUN
easat-7042	381	24	references	reference	NOUN
easat-7042	381	25	[	[	X
easat-7042	381	26	1	1	NUM
easat-7042	381	27	]	]	PUNCT
easat-7042	381	28	b.	b.	PROPN
easat-7042	381	29	armendáriz	armendáriz	PROPN
easat-7042	381	30	and	and	CCONJ
easat-7042	381	31	j.	j.	PROPN
easat-7042	381	32	morduch	morduch	PROPN
easat-7042	381	33	,	,	PUNCT
easat-7042	381	34	the	the	DET
easat-7042	381	35	economics	economic	NOUN
easat-7042	381	36	of	of	ADP
easat-7042	381	37	microfinance	microfinance	NOUN
easat-7042	381	38	.	.	PUNCT
easat-7042	382	1	cambridge	cambridge	PROPN
easat-7042	382	2	,	,	PUNCT
easat-7042	382	3	ma	ma	PROPN
easat-7042	382	4	:	:	PUNCT
easat-7042	382	5	mit	mit	PROPN
easat-7042	382	6	press	press	NOUN
easat-7042	382	7	,	,	PUNCT
easat-7042	382	8	2010	2010	NUM
easat-7042	382	9	.	.	PUNCT
easat-7042	383	1	[	[	X
easat-7042	383	2	2	2	X
easat-7042	383	3	]	]	PUNCT
easat-7042	383	4	j.	j.	PROPN
easat-7042	383	5	ledgerwood	ledgerwood	PROPN
easat-7042	383	6	,	,	PUNCT
easat-7042	383	7	j.	j.	PROPN
easat-7042	383	8	earne	earne	PROPN
easat-7042	383	9	,	,	PUNCT
easat-7042	383	10	and	and	CCONJ
easat-7042	383	11	c.	c.	PROPN
easat-7042	383	12	nelson	nelson	PROPN
easat-7042	383	13	,	,	PUNCT
easat-7042	383	14	the	the	DET
easat-7042	383	15	new	new	ADJ
easat-7042	383	16	microfinance	microfinance	NOUN
easat-7042	383	17	handbook	handbook	NOUN
easat-7042	383	18	:	:	PUNCT
easat-7042	383	19	a	a	DET
easat-7042	383	20	financial	financial	ADJ
easat-7042	383	21	market	market	NOUN
easat-7042	383	22	system	system	NOUN
easat-7042	383	23	perspective	perspective	NOUN
easat-7042	383	24	.	.	PUNCT
easat-7042	384	1	washington	washington	PROPN
easat-7042	384	2	,	,	PUNCT
easat-7042	384	3	d.c	d.c	PROPN
easat-7042	384	4	:	:	PUNCT
easat-7042	384	5	world	world	PROPN
easat-7042	384	6	bank	bank	PROPN
easat-7042	384	7	publications	publication	NOUN
easat-7042	384	8	,	,	PUNCT
easat-7042	384	9	2013	2013	NUM
easat-7042	384	10	.	.	PUNCT
easat-7042	385	1	[	[	X
easat-7042	385	2	3	3	X
easat-7042	385	3	]	]	PUNCT
easat-7042	385	4	m.	m.	NOUN
easat-7042	385	5	p.	p.	NOUN
easat-7042	385	6	nguyen	nguyen	NOUN
easat-7042	385	7	,	,	PUNCT
easat-7042	385	8	t.	t.	PROPN
easat-7042	385	9	t.	t.	PROPN
easat-7042	385	10	h.	h.	PROPN
easat-7042	385	11	nguyen	nguyen	PROPN
easat-7042	385	12	,	,	PUNCT
easat-7042	385	13	and	and	CCONJ
easat-7042	385	14	a.	a.	NOUN
easat-7042	385	15	phan	phan	PROPN
easat-7042	385	16	,	,	PUNCT
easat-7042	385	17	"	"	PUNCT
easat-7042	385	18	enhancing	enhance	VERB
easat-7042	385	19	sustainable	sustainable	ADJ
easat-7042	385	20	development	development	NOUN
easat-7042	385	21	awareness	awareness	NOUN
easat-7042	385	22	in	in	ADP
easat-7042	385	23	vietnamese	vietnamese	ADJ
easat-7042	385	24	commercial	commercial	ADJ
easat-7042	385	25	banks	bank	NOUN
easat-7042	385	26	:	:	PUNCT
easat-7042	385	27	analyzing	analyze	VERB
easat-7042	385	28	environmental	environmental	ADJ
easat-7042	385	29	,	,	PUNCT
easat-7042	385	30	social	social	ADJ
easat-7042	385	31	,	,	PUNCT
easat-7042	385	32	and	and	CCONJ
easat-7042	385	33	governance	governance	NOUN
easat-7042	385	34	factors	factor	NOUN
easat-7042	385	35	,	,	PUNCT
easat-7042	385	36	"	"	PUNCT
easat-7042	385	37	pakistan	pakistan	PROPN
easat-7042	385	38	journal	journal	NOUN
easat-7042	385	39	of	of	ADP
easat-7042	385	40	life	life	NOUN
easat-7042	385	41	and	and	CCONJ
easat-7042	385	42	social	social	ADJ
easat-7042	385	43	sciences	science	NOUN
easat-7042	385	44	,	,	PUNCT
easat-7042	385	45	vol	vol	NOUN
easat-7042	385	46	.	.	PROPN
easat-7042	386	1	22	22	NUM
easat-7042	386	2	,	,	PUNCT
easat-7042	386	3	no	no	INTJ
easat-7042	386	4	.	.	NOUN
easat-7042	386	5	2	2	NUM
easat-7042	386	6	,	,	PUNCT
easat-7042	386	7	pp	pp	ADJ
easat-7042	386	8	.	.	PUNCT
easat-7042	387	1	17555–17567	17555–17567	NUM
easat-7042	387	2	,	,	PUNCT
easat-7042	387	3	2024	2024	NUM
easat-7042	387	4	.	.	PUNCT
easat-7042	388	1	https://doi.org/10.57239/pjlss-2024-22.2.001281	https://doi.org/10.57239/pjlss-2024-22.2.001281	NUM
easat-7042	388	2	[	[	SYM
easat-7042	388	3	4	4	NUM
easat-7042	388	4	]	]	PUNCT
easat-7042	388	5	a.	a.	NOUN
easat-7042	388	6	phan	phan	PROPN
easat-7042	388	7	,	,	PUNCT
easat-7042	388	8	t.	t.	PROPN
easat-7042	388	9	t.	t.	PROPN
easat-7042	388	10	h.	h.	PROPN
easat-7042	388	11	nguyen	nguyen	PROPN
easat-7042	388	12	,	,	PUNCT
easat-7042	388	13	m.	m.	NOUN
easat-7042	388	14	p.	p.	PROPN
easat-7042	388	15	nguyen	nguyen	PROPN
easat-7042	388	16	,	,	PUNCT
easat-7042	388	17	q.	q.	PROPN
easat-7042	388	18	c.	c.	PROPN
easat-7042	388	19	truong	truong	PROPN
easat-7042	388	20	,	,	PUNCT
easat-7042	388	21	and	and	CCONJ
easat-7042	388	22	t.	t.	PROPN
easat-7042	388	23	h.	h.	PROPN
easat-7042	388	24	t.	t.	PROPN
easat-7042	388	25	le	le	PROPN
easat-7042	388	26	,	,	PUNCT
easat-7042	388	27	"	"	PUNCT
easat-7042	388	28	impact	impact	NOUN
easat-7042	388	29	of	of	ADP
easat-7042	388	30	financial	financial	ADJ
easat-7042	388	31	leverage	leverage	NOUN
easat-7042	388	32	and	and	CCONJ
easat-7042	388	33	big	big	ADJ
easat-7042	388	34	4	4	NUM
easat-7042	388	35	audit	audit	NOUN
easat-7042	388	36	quality	quality	NOUN
easat-7042	388	37	on	on	ADP
easat-7042	388	38	the	the	DET
easat-7042	388	39	performance	performance	NOUN
easat-7042	388	40	of	of	ADP
easat-7042	388	41	listed	list	VERB
easat-7042	388	42	manufacturing	manufacturing	NOUN
easat-7042	388	43	companies	company	NOUN
easat-7042	388	44	in	in	ADP
easat-7042	388	45	vietnam	vietnam	PROPN
easat-7042	388	46	,	,	PUNCT
easat-7042	388	47	"	"	PUNCT
easat-7042	388	48	international	international	ADJ
easat-7042	388	49	journal	journal	NOUN
easat-7042	388	50	of	of	ADP
easat-7042	388	51	innovative	innovative	ADJ
easat-7042	388	52	research	research	NOUN
easat-7042	388	53	and	and	CCONJ
easat-7042	388	54	scientific	scientific	ADJ
easat-7042	388	55	studies	study	NOUN
easat-7042	388	56	,	,	PUNCT
easat-7042	388	57	vol	vol	NOUN
easat-7042	388	58	.	.	PROPN
easat-7042	388	59	8	8	NUM
easat-7042	388	60	,	,	PUNCT
easat-7042	388	61	no	no	INTJ
easat-7042	388	62	.	.	NOUN
easat-7042	388	63	3	3	NUM
easat-7042	388	64	,	,	PUNCT
easat-7042	388	65	pp	pp	ADJ
easat-7042	388	66	.	.	PUNCT
easat-7042	389	1	233–243	233–243	NUM
easat-7042	389	2	,	,	PUNCT
easat-7042	389	3	2025	2025	NUM
easat-7042	389	4	.	.	PUNCT
easat-7042	390	1	https://doi.org/10.53894/ijirss.v8i3.6478	https://doi.org/10.53894/ijirss.v8i3.6478	PROPN
easat-7042	391	1	[	[	X
easat-7042	391	2	5	5	NUM
easat-7042	391	3	]	]	PUNCT
easat-7042	391	4	h.	h.	PROPN
easat-7042	391	5	l.	l.	PROPN
easat-7042	391	6	nguyen	nguyen	PROPN
easat-7042	391	7	and	and	CCONJ
easat-7042	391	8	m.	m.	PROPN
easat-7042	391	9	q.	q.	PROPN
easat-7042	391	10	bui	bui	PROPN
easat-7042	391	11	,	,	PUNCT
easat-7042	391	12	"	"	PUNCT
easat-7042	391	13	sustainable	sustainable	ADJ
easat-7042	391	14	banking	banking	NOUN
easat-7042	391	15	strategies	strategy	NOUN
easat-7042	391	16	in	in	ADP
easat-7042	391	17	vietnam	vietnam	PROPN
easat-7042	391	18	:	:	PUNCT
easat-7042	391	19	the	the	DET
easat-7042	391	20	role	role	NOUN
easat-7042	391	21	of	of	ADP
easat-7042	391	22	esg	esg	PROPN
easat-7042	391	23	principles	principle	NOUN
easat-7042	391	24	,	,	PUNCT
easat-7042	391	25	"	"	PUNCT
easat-7042	391	26	asian	asian	ADJ
easat-7042	391	27	development	development	PROPN
easat-7042	391	28	review	review	PROPN
easat-7042	391	29	,	,	PUNCT
easat-7042	391	30	vol	vol	NOUN
easat-7042	391	31	.	.	PROPN
easat-7042	392	1	45	45	NUM
easat-7042	392	2	,	,	PUNCT
easat-7042	392	3	no	no	INTJ
easat-7042	392	4	.	.	NOUN
easat-7042	392	5	3	3	NUM
easat-7042	392	6	,	,	PUNCT
easat-7042	392	7	pp	pp	ADJ
easat-7042	392	8	.	.	PUNCT
easat-7042	393	1	221–237	221–237	NUM
easat-7042	393	2	,	,	PUNCT
easat-7042	393	3	2020	2020	NUM
easat-7042	393	4	.	.	PUNCT
easat-7042	394	1	https://doi.org/10.1162/adev_a_00145	https://doi.org/10.1162/adev_a_00145	NOUN
easat-7042	395	1	[	[	X
easat-7042	395	2	6	6	NUM
easat-7042	395	3	]	]	PUNCT
easat-7042	395	4	t.	t.	PROPN
easat-7042	395	5	v.	v.	PROPN
easat-7042	395	6	nguyen	nguyen	PROPN
easat-7042	395	7	,	,	PUNCT
easat-7042	395	8	a.	a.	NOUN
easat-7042	395	9	phan	phan	PROPN
easat-7042	395	10	,	,	PUNCT
easat-7042	395	11	and	and	CCONJ
easat-7042	395	12	d.	d.	PROPN
easat-7042	395	13	v.	v.	PROPN
easat-7042	395	14	tran	tran	PROPN
easat-7042	395	15	,	,	PUNCT
easat-7042	395	16	"	"	PUNCT
easat-7042	395	17	activity	activity	NOUN
easat-7042	395	18	strategies	strategy	NOUN
easat-7042	395	19	,	,	PUNCT
easat-7042	395	20	bank	bank	NOUN
easat-7042	395	21	stability	stability	NOUN
easat-7042	395	22	and	and	CCONJ
easat-7042	395	23	policy	policy	NOUN
easat-7042	395	24	uncertainty	uncertainty	NOUN
easat-7042	395	25	,	,	PUNCT
easat-7042	395	26	"	"	PUNCT
easat-7042	395	27	journal	journal	NOUN
easat-7042	395	28	of	of	ADP
easat-7042	395	29	economics	economic	NOUN
easat-7042	395	30	and	and	CCONJ
easat-7042	395	31	finance	finance	NOUN
easat-7042	395	32	,	,	PUNCT
easat-7042	395	33	vol	vol	NOUN
easat-7042	395	34	.	.	PROPN
easat-7042	396	1	47	47	NUM
easat-7042	396	2	,	,	PUNCT
easat-7042	396	3	no	no	INTJ
easat-7042	396	4	.	.	NOUN
easat-7042	396	5	4	4	NUM
easat-7042	396	6	,	,	PUNCT
easat-7042	396	7	pp	pp	ADJ
easat-7042	396	8	.	.	PUNCT
easat-7042	397	1	959	959	NUM
easat-7042	397	2	-	-	SYM
easat-7042	397	3	983	983	NUM
easat-7042	397	4	,	,	PUNCT
easat-7042	397	5	2023	2023	NUM
easat-7042	397	6	.	.	PUNCT
easat-7042	398	1	https://doi.org/10.1007/s12197-023-09621-3	https://doi.org/10.1007/s12197-023-09621-3	NUM
easat-7042	399	1	[	[	X
easat-7042	399	2	7	7	X
easat-7042	399	3	]	]	X
easat-7042	399	4	v.	v.	PROPN
easat-7042	399	5	hartarska	hartarska	PROPN
easat-7042	399	6	,	,	PUNCT
easat-7042	399	7	"	"	PUNCT
easat-7042	399	8	governance	governance	NOUN
easat-7042	399	9	and	and	CCONJ
easat-7042	399	10	performance	performance	NOUN
easat-7042	399	11	of	of	ADP
easat-7042	399	12	microfinance	microfinance	NOUN
easat-7042	399	13	institutions	institution	NOUN
easat-7042	399	14	in	in	ADP
easat-7042	399	15	central	central	ADJ
easat-7042	399	16	and	and	CCONJ
easat-7042	399	17	eastern	eastern	ADJ
easat-7042	399	18	europe	europe	PROPN
easat-7042	399	19	and	and	CCONJ
easat-7042	399	20	the	the	DET
easat-7042	399	21	newly	newly	ADV
easat-7042	399	22	independent	independent	ADJ
easat-7042	399	23	states	state	NOUN
easat-7042	399	24	,	,	PUNCT
easat-7042	399	25	"	"	PUNCT
easat-7042	399	26	world	world	NOUN
easat-7042	399	27	development	development	NOUN
easat-7042	399	28	,	,	PUNCT
easat-7042	399	29	vol	vol	NOUN
easat-7042	399	30	.	.	PROPN
easat-7042	399	31	33	33	NUM
easat-7042	399	32	,	,	PUNCT
easat-7042	399	33	no	no	INTJ
easat-7042	399	34	.	.	NOUN
easat-7042	399	35	10	10	NUM
easat-7042	399	36	,	,	PUNCT
easat-7042	399	37	pp	pp	ADJ
easat-7042	399	38	.	.	PUNCT
easat-7042	399	39	1627	1627	NUM
easat-7042	399	40	-	-	SYM
easat-7042	399	41	1643	1643	NUM
easat-7042	399	42	,	,	PUNCT
easat-7042	399	43	2005	2005	NUM
easat-7042	399	44	.	.	PUNCT
easat-7042	400	1	https://doi.org/10.1016/j.worlddev.2005.06.001	https://doi.org/10.1016/j.worlddev.2005.06.001	VERB
easat-7042	401	1	[	[	X
easat-7042	401	2	8	8	NUM
easat-7042	401	3	]	]	X
easat-7042	401	4	v.	v.	PROPN
easat-7042	401	5	ha	ha	INTJ
easat-7042	401	6	,	,	PUNCT
easat-7042	401	7	"	"	PUNCT
easat-7042	401	8	evaluating	evaluate	VERB
easat-7042	401	9	the	the	DET
easat-7042	401	10	effectiveness	effectiveness	NOUN
easat-7042	401	11	of	of	ADP
easat-7042	401	12	digital	digital	ADJ
easat-7042	401	13	transformation	transformation	NOUN
easat-7042	401	14	projects	project	NOUN
easat-7042	401	15	in	in	ADP
easat-7042	401	16	the	the	DET
easat-7042	401	17	banking	banking	NOUN
easat-7042	401	18	industry	industry	NOUN
easat-7042	401	19	,	,	PUNCT
easat-7042	401	20	"	"	PUNCT
easat-7042	401	21	journal	journal	NOUN
easat-7042	401	22	of	of	ADP
easat-7042	401	23	information	information	NOUN
easat-7042	401	24	technology	technology	NOUN
easat-7042	401	25	and	and	CCONJ
easat-7042	401	26	management	management	NOUN
easat-7042	401	27	,	,	PUNCT
easat-7042	401	28	vol	vol	NOUN
easat-7042	401	29	.	.	PROPN
easat-7042	401	30	8	8	NUM
easat-7042	401	31	,	,	PUNCT
easat-7042	401	32	no	no	INTJ
easat-7042	401	33	.	.	NOUN
easat-7042	401	34	3	3	NUM
easat-7042	401	35	,	,	PUNCT
easat-7042	401	36	pp	pp	ADJ
easat-7042	401	37	.	.	PUNCT
easat-7042	402	1	67–80	67–80	NOUN
easat-7042	402	2	,	,	PUNCT
easat-7042	402	3	2019	2019	NUM
easat-7042	402	4	.	.	PUNCT
easat-7042	403	1	https://doi.org/10.1007/s11301-019-00165-0	https://doi.org/10.1007/s11301-019-00165-0	NUM
easat-7042	403	2	[	[	X
easat-7042	403	3	9	9	NUM
easat-7042	403	4	]	]	X
easat-7042	403	5	united	united	PROPN
easat-7042	403	6	nations	nations	PROPN
easat-7042	403	7	,	,	PUNCT
easat-7042	403	8	"	"	PUNCT
easat-7042	403	9	transforming	transform	VERB
easat-7042	403	10	our	our	PRON
easat-7042	403	11	world	world	NOUN
easat-7042	403	12	:	:	PUNCT
easat-7042	403	13	the	the	DET
easat-7042	403	14	2030	2030	NUM
easat-7042	403	15	agenda	agenda	NOUN
easat-7042	403	16	for	for	ADP
easat-7042	403	17	sustainable	sustainable	ADJ
easat-7042	403	18	development	development	NOUN
easat-7042	403	19	.	.	PUNCT
easat-7042	403	20	"	"	PUNCT
easat-7042	404	1	new	new	PROPN
easat-7042	404	2	york	york	PROPN
easat-7042	404	3	:	:	PUNCT
easat-7042	404	4	united	united	PROPN
easat-7042	404	5	nations	nations	PROPN
easat-7042	404	6	,	,	PUNCT
easat-7042	404	7	2015	2015	NUM
easat-7042	404	8	.	.	PUNCT
easat-7042	405	1	[	[	X
easat-7042	405	2	10	10	NUM
easat-7042	405	3	]	]	X
easat-7042	405	4	national	national	ADJ
easat-7042	405	5	assembly	assembly	NOUN
easat-7042	405	6	of	of	ADP
easat-7042	405	7	vietnam	vietnam	PROPN
easat-7042	405	8	,	,	PUNCT
easat-7042	405	9	law	law	NOUN
easat-7042	405	10	on	on	ADP
easat-7042	405	11	credit	credit	NOUN
easat-7042	405	12	institutions	institution	NOUN
easat-7042	405	13	no	no	INTJ
easat-7042	405	14	.	.	PUNCT
easat-7042	406	1	47/2010	47/2010	NUM
easat-7042	406	2	/	/	SYM
easat-7042	406	3	qh12	qh12	PROPN
easat-7042	406	4	.	.	PUNCT
easat-7042	407	1	hanoi	hanoi	PROPN
easat-7042	407	2	:	:	PUNCT
easat-7042	407	3	justice	justice	PROPN
easat-7042	407	4	publishing	publishing	PROPN
easat-7042	407	5	house	house	PROPN
easat-7042	407	6	,	,	PUNCT
easat-7042	407	7	2010	2010	NUM
easat-7042	407	8	.	.	PUNCT
easat-7042	408	1	[	[	X
easat-7042	408	2	11	11	NUM
easat-7042	408	3	]	]	X
easat-7042	408	4	cgap	cgap	NOUN
easat-7042	408	5	,	,	PUNCT
easat-7042	408	6	managing	manage	VERB
easat-7042	408	7	credit	credit	NOUN
easat-7042	408	8	risk	risk	NOUN
easat-7042	408	9	in	in	ADP
easat-7042	408	10	microfinance	microfinance	NOUN
easat-7042	408	11	institutions	institution	NOUN
easat-7042	408	12	.	.	PUNCT
easat-7042	409	1	washington	washington	PROPN
easat-7042	409	2	,	,	PUNCT
easat-7042	409	3	d.c	d.c	PROPN
easat-7042	409	4	:	:	PUNCT
easat-7042	409	5	consultative	consultative	ADJ
easat-7042	409	6	group	group	NOUN
easat-7042	409	7	to	to	PART
easat-7042	409	8	assist	assist	VERB
easat-7042	409	9	the	the	DET
easat-7042	409	10	poor	poor	ADJ
easat-7042	409	11	(	(	PUNCT
easat-7042	409	12	cgap	cgap	PROPN
easat-7042	409	13	)	)	PUNCT
easat-7042	409	14	,	,	PUNCT
easat-7042	409	15	2020	2020	NUM
easat-7042	409	16	.	.	PUNCT
easat-7042	410	1	[	[	X
easat-7042	410	2	12	12	NUM
easat-7042	410	3	]	]	X
easat-7042	410	4	asian	asian	PROPN
easat-7042	410	5	development	development	PROPN
easat-7042	410	6	bank	bank	PROPN
easat-7042	410	7	(	(	PUNCT
easat-7042	410	8	adb	adb	PROPN
easat-7042	410	9	)	)	PUNCT
easat-7042	410	10	,	,	PUNCT
easat-7042	410	11	financial	financial	ADJ
easat-7042	410	12	inclusion	inclusion	NOUN
easat-7042	410	13	in	in	ADP
easat-7042	410	14	rural	rural	ADJ
easat-7042	410	15	areas	area	NOUN
easat-7042	410	16	:	:	PUNCT
easat-7042	410	17	the	the	DET
easat-7042	410	18	role	role	NOUN
easat-7042	410	19	of	of	ADP
easat-7042	410	20	cooperative	cooperative	ADJ
easat-7042	410	21	credit	credit	NOUN
easat-7042	410	22	unions	union	NOUN
easat-7042	410	23	.	.	PUNCT
easat-7042	411	1	manila	manila	PROPN
easat-7042	411	2	:	:	PUNCT
easat-7042	411	3	asian	asian	PROPN
easat-7042	411	4	development	development	PROPN
easat-7042	411	5	bank	bank	PROPN
easat-7042	411	6	(	(	PUNCT
easat-7042	411	7	adb	adb	PROPN
easat-7042	411	8	)	)	PUNCT
easat-7042	411	9	,	,	PUNCT
easat-7042	411	10	2019	2019	NUM
easat-7042	411	11	.	.	PUNCT
easat-7042	412	1	[	[	X
easat-7042	412	2	13	13	NUM
easat-7042	412	3	]	]	PUNCT
easat-7042	412	4	world	world	PROPN
easat-7042	412	5	bank	bank	PROPN
easat-7042	412	6	,	,	PUNCT
easat-7042	412	7	vietnam	vietnam	PROPN
easat-7042	412	8	financial	financial	PROPN
easat-7042	412	9	inclusion	inclusion	PROPN
easat-7042	412	10	report	report	NOUN
easat-7042	412	11	2019	2019	NUM
easat-7042	412	12	.	.	PUNCT
easat-7042	413	1	washington	washington	PROPN
easat-7042	413	2	,	,	PUNCT
easat-7042	413	3	dc	dc	PROPN
easat-7042	413	4	:	:	PUNCT
easat-7042	413	5	world	world	PROPN
easat-7042	413	6	bank	bank	PROPN
easat-7042	413	7	publications	publication	NOUN
easat-7042	413	8	,	,	PUNCT
easat-7042	413	9	2019	2019	NUM
easat-7042	413	10	.	.	PUNCT
easat-7042	414	1	[	[	X
easat-7042	414	2	14	14	NUM
easat-7042	414	3	]	]	PUNCT
easat-7042	414	4	p.	p.	PROPN
easat-7042	414	5	andries	andries	PROPN
easat-7042	414	6	,	,	PUNCT
easat-7042	414	7	b.	b.	PROPN
easat-7042	414	8	clarysse	clarysse	PROPN
easat-7042	414	9	,	,	PUNCT
easat-7042	414	10	and	and	CCONJ
easat-7042	414	11	s.	s.	PROPN
easat-7042	414	12	costa	costa	PROPN
easat-7042	414	13	,	,	PUNCT
easat-7042	414	14	"	"	PUNCT
easat-7042	414	15	technology	technology	NOUN
easat-7042	414	16	ventures	venture	NOUN
easat-7042	414	17	'	'	PART
easat-7042	414	18	engagement	engagement	NOUN
easat-7042	414	19	of	of	ADP
easat-7042	414	20	external	external	ADJ
easat-7042	414	21	actors	actor	NOUN
easat-7042	414	22	in	in	ADP
easat-7042	414	23	the	the	DET
easat-7042	414	24	search	search	NOUN
easat-7042	414	25	for	for	ADP
easat-7042	414	26	viable	viable	ADJ
easat-7042	414	27	market	market	NOUN
easat-7042	414	28	applications	application	NOUN
easat-7042	414	29	:	:	PUNCT
easat-7042	414	30	on	on	ADP
easat-7042	414	31	the	the	DET
easat-7042	414	32	relevance	relevance	NOUN
easat-7042	414	33	of	of	ADP
easat-7042	414	34	technology	technology	NOUN
easat-7042	414	35	broadcasting	broadcasting	NOUN
easat-7042	414	36	and	and	CCONJ
easat-7042	414	37	systematic	systematic	ADJ
easat-7042	414	38	validation	validation	NOUN
easat-7042	414	39	,	,	PUNCT
easat-7042	414	40	"	"	PUNCT
easat-7042	414	41	journal	journal	NOUN
easat-7042	414	42	of	of	ADP
easat-7042	414	43	business	business	NOUN
easat-7042	414	44	venturing	venturing	NOUN
easat-7042	414	45	,	,	PUNCT
easat-7042	414	46	vol	vol	NOUN
easat-7042	414	47	.	.	PROPN
easat-7042	415	1	36	36	NUM
easat-7042	415	2	,	,	PUNCT
easat-7042	415	3	no	no	INTJ
easat-7042	415	4	.	.	NOUN
easat-7042	415	5	6	6	NUM
easat-7042	415	6	,	,	PUNCT
easat-7042	415	7	p.	p.	NOUN
easat-7042	415	8	106145	106145	NUM
easat-7042	415	9	,	,	PUNCT
easat-7042	415	10	2021	2021	NUM
easat-7042	415	11	.	.	PUNCT
easat-7042	416	1	https://doi.org/10.1016/j.jbusvent.2021.106145	https://doi.org/10.1016/j.jbusvent.2021.106145	PROPN
easat-7042	416	2	[	[	X
easat-7042	417	1	15	15	NUM
easat-7042	417	2	]	]	X
easat-7042	417	3	m.	m.	NOUN
easat-7042	417	4	m.	m.	PROPN
easat-7042	417	5	rahman	rahman	PROPN
easat-7042	417	6	,	,	PUNCT
easat-7042	417	7	"	"	PUNCT
easat-7042	417	8	achieving	achieve	VERB
easat-7042	417	9	sustainable	sustainable	ADJ
easat-7042	417	10	development	development	NOUN
easat-7042	417	11	goals	goal	NOUN
easat-7042	417	12	of	of	ADP
easat-7042	417	13	agenda	agenda	NOUN
easat-7042	417	14	2030	2030	NUM
easat-7042	417	15	in	in	ADP
easat-7042	417	16	bangladesh	bangladesh	PROPN
easat-7042	417	17	:	:	PUNCT
easat-7042	417	18	the	the	DET
easat-7042	417	19	crossroad	crossroad	NOUN
easat-7042	417	20	of	of	ADP
easat-7042	417	21	the	the	DET
easat-7042	417	22	governance	governance	NOUN
easat-7042	417	23	and	and	CCONJ
easat-7042	417	24	performance	performance	NOUN
easat-7042	417	25	,	,	PUNCT
easat-7042	417	26	"	"	PUNCT
easat-7042	417	27	public	public	ADJ
easat-7042	417	28	administration	administration	NOUN
easat-7042	417	29	and	and	CCONJ
easat-7042	417	30	policy	policy	NOUN
easat-7042	417	31	,	,	PUNCT
easat-7042	417	32	vol	vol	NOUN
easat-7042	417	33	.	.	PROPN
easat-7042	417	34	24	24	NUM
easat-7042	417	35	,	,	PUNCT
easat-7042	417	36	no	no	INTJ
easat-7042	417	37	.	.	NOUN
easat-7042	417	38	2	2	NUM
easat-7042	417	39	,	,	PUNCT
easat-7042	417	40	pp	pp	ADJ
easat-7042	417	41	.	.	PUNCT
easat-7042	418	1	195	195	NUM
easat-7042	418	2	-	-	SYM
easat-7042	418	3	211	211	NUM
easat-7042	418	4	,	,	PUNCT
easat-7042	418	5	2021	2021	NUM
easat-7042	418	6	.	.	PUNCT
easat-7042	419	1	https://doi.org/10.1108/pap-12-2020-0056	https://doi.org/10.1108/pap-12-2020-0056	PROPN
easat-7042	420	1	[	[	X
easat-7042	420	2	16	16	NUM
easat-7042	420	3	]	]	PUNCT
easat-7042	420	4	a.	a.	NOUN
easat-7042	420	5	phan	phan	PROPN
easat-7042	420	6	and	and	CCONJ
easat-7042	420	7	t.	t.	PROPN
easat-7042	420	8	h.	h.	PROPN
easat-7042	420	9	t.	t.	PROPN
easat-7042	420	10	le	le	PROPN
easat-7042	420	11	,	,	PUNCT
easat-7042	420	12	"	"	PUNCT
easat-7042	420	13	intellectual	intellectual	ADJ
easat-7042	420	14	capital	capital	NOUN
easat-7042	420	15	and	and	CCONJ
easat-7042	420	16	bank	bank	NOUN
easat-7042	420	17	performance	performance	NOUN
easat-7042	420	18	:	:	PUNCT
easat-7042	420	19	a	a	DET
easat-7042	420	20	board	board	NOUN
easat-7042	420	21	of	of	ADP
easat-7042	420	22	directors	director	NOUN
easat-7042	420	23	’	’	PART
easat-7042	420	24	agenda	agenda	NOUN
easat-7042	420	25	,	,	PUNCT
easat-7042	420	26	"	"	PUNCT
easat-7042	420	27	corporate	corporate	ADJ
easat-7042	420	28	board	board	NOUN
easat-7042	420	29	:	:	PUNCT
easat-7042	420	30	role	role	NOUN
easat-7042	420	31	,	,	PUNCT
easat-7042	420	32	duties	duty	NOUN
easat-7042	420	33	and	and	CCONJ
easat-7042	420	34	composition	composition	NOUN
easat-7042	420	35	,	,	PUNCT
easat-7042	420	36	vol	vol	NOUN
easat-7042	420	37	.	.	PROPN
easat-7042	420	38	20	20	NUM
easat-7042	420	39	,	,	PUNCT
easat-7042	420	40	no	no	INTJ
easat-7042	420	41	.	.	NOUN
easat-7042	420	42	3	3	NUM
easat-7042	420	43	,	,	PUNCT
easat-7042	420	44	pp	pp	ADJ
easat-7042	420	45	.	.	PUNCT
easat-7042	421	1	128–138	128–138	NUM
easat-7042	421	2	,	,	PUNCT
easat-7042	421	3	2024	2024	NUM
easat-7042	421	4	.	.	PUNCT
easat-7042	422	1	https://doi.org/10.22495/cbv20i3art12	https://doi.org/10.22495/cbv20i3art12	X
easat-7042	423	1	[	[	X
easat-7042	423	2	17	17	NUM
easat-7042	423	3	]	]	PUNCT
easat-7042	423	4	m.	m.	PROPN
easat-7042	423	5	d.	d.	PROPN
easat-7042	423	6	delis	delis	PROPN
easat-7042	423	7	,	,	PUNCT
easat-7042	423	8	p.	p.	PROPN
easat-7042	423	9	k.	k.	PROPN
easat-7042	423	10	staikouras	staikouras	PROPN
easat-7042	423	11	,	,	PUNCT
easat-7042	423	12	and	and	CCONJ
easat-7042	423	13	c.	c.	PROPN
easat-7042	423	14	tsoumas	tsouma	NOUN
easat-7042	423	15	,	,	PUNCT
easat-7042	423	16	"	"	PUNCT
easat-7042	423	17	supervisory	supervisory	ADJ
easat-7042	423	18	enforcement	enforcement	NOUN
easat-7042	423	19	actions	action	NOUN
easat-7042	423	20	and	and	CCONJ
easat-7042	423	21	bank	bank	NOUN
easat-7042	423	22	deposits	deposit	NOUN
easat-7042	423	23	,	,	PUNCT
easat-7042	423	24	"	"	PUNCT
easat-7042	423	25	journal	journal	NOUN
easat-7042	423	26	of	of	ADP
easat-7042	423	27	banking	banking	NOUN
easat-7042	423	28	&	&	CCONJ
easat-7042	423	29	finance	finance	PROPN
easat-7042	423	30	,	,	PUNCT
easat-7042	423	31	vol	vol	NOUN
easat-7042	423	32	.	.	PROPN
easat-7042	423	33	106	106	NUM
easat-7042	423	34	,	,	PUNCT
easat-7042	423	35	pp	pp	ADJ
easat-7042	423	36	.	.	PUNCT
easat-7042	424	1	110	110	NUM
easat-7042	424	2	-	-	SYM
easat-7042	424	3	123	123	NUM
easat-7042	424	4	,	,	PUNCT
easat-7042	424	5	2019	2019	NUM
easat-7042	424	6	.	.	PUNCT
easat-7042	425	1	https://doi.org/10.1016/j.jbankfin.2019.05.024	https://doi.org/10.1016/j.jbankfin.2019.05.024	VERB
easat-7042	425	2	[	[	X
easat-7042	425	3	18	18	NUM
easat-7042	425	4	]	]	X
easat-7042	425	5	s.	s.	PROPN
easat-7042	425	6	adhikary	adhikary	PROPN
easat-7042	425	7	and	and	CCONJ
easat-7042	425	8	g.	g.	PROPN
easat-7042	425	9	papachristou	papachristou	PROPN
easat-7042	425	10	,	,	PUNCT
easat-7042	425	11	"	"	PUNCT
easat-7042	425	12	is	be	AUX
easat-7042	425	13	there	there	PRON
easat-7042	425	14	a	a	DET
easat-7042	425	15	trade	trade	NOUN
easat-7042	425	16	-	-	PUNCT
easat-7042	425	17	off	off	NOUN
easat-7042	425	18	between	between	ADP
easat-7042	425	19	financial	financial	ADJ
easat-7042	425	20	performance	performance	NOUN
easat-7042	425	21	and	and	CCONJ
easat-7042	425	22	outreach	outreach	NOUN
easat-7042	425	23	in	in	ADP
easat-7042	425	24	south	south	ADJ
easat-7042	425	25	asian	asian	ADJ
easat-7042	425	26	microfinance	microfinance	NOUN
easat-7042	425	27	institutions	institution	NOUN
easat-7042	425	28	?	?	PUNCT
easat-7042	425	29	,	,	PUNCT
easat-7042	425	30	"	"	PUNCT
easat-7042	425	31	the	the	DET
easat-7042	425	32	journal	journal	NOUN
easat-7042	425	33	of	of	ADP
easat-7042	425	34	developing	develop	VERB
easat-7042	425	35	areas	area	NOUN
easat-7042	425	36	,	,	PUNCT
easat-7042	425	37	vol	vol	NOUN
easat-7042	425	38	.	.	PROPN
easat-7042	425	39	48	48	NUM
easat-7042	425	40	,	,	PUNCT
easat-7042	425	41	no	no	INTJ
easat-7042	425	42	.	.	NOUN
easat-7042	425	43	4	4	NUM
easat-7042	425	44	,	,	PUNCT
easat-7042	425	45	pp	pp	ADJ
easat-7042	425	46	.	.	PUNCT
easat-7042	426	1	381	381	NUM
easat-7042	426	2	-	-	SYM
easat-7042	426	3	402	402	NUM
easat-7042	426	4	,	,	PUNCT
easat-7042	426	5	2014	2014	NUM
easat-7042	426	6	.	.	PUNCT
easat-7042	427	1	https://dx.doi.org/10.1353/jda.2014.0081	https://dx.doi.org/10.1353/jda.2014.0081	X
easat-7042	428	1	[	[	X
easat-7042	428	2	19	19	NUM
easat-7042	428	3	]	]	PUNCT
easat-7042	428	4	a.	a.	NOUN
easat-7042	428	5	abrar	abrar	NOUN
easat-7042	428	6	and	and	CCONJ
easat-7042	428	7	a.	a.	PROPN
easat-7042	428	8	y.	y.	PROPN
easat-7042	428	9	javid	javid	PROPN
easat-7042	428	10	,	,	PUNCT
easat-7042	428	11	"	"	PUNCT
easat-7042	428	12	the	the	DET
easat-7042	428	13	impact	impact	NOUN
easat-7042	428	14	of	of	ADP
easat-7042	428	15	capital	capital	NOUN
easat-7042	428	16	structure	structure	NOUN
easat-7042	428	17	on	on	ADP
easat-7042	428	18	the	the	DET
easat-7042	428	19	profitability	profitability	NOUN
easat-7042	428	20	of	of	ADP
easat-7042	428	21	microfinance	microfinance	NOUN
easat-7042	428	22	institutions	institution	NOUN
easat-7042	428	23	,	,	PUNCT
easat-7042	428	24	"	"	PUNCT
easat-7042	428	25	south	south	ADJ
easat-7042	428	26	asian	asian	ADJ
easat-7042	428	27	journal	journal	NOUN
easat-7042	428	28	of	of	ADP
easat-7042	428	29	management	management	NOUN
easat-7042	428	30	sciences	sciences	PROPN
easat-7042	428	31	,	,	PUNCT
easat-7042	428	32	vol	vol	NOUN
easat-7042	428	33	.	.	PROPN
easat-7042	428	34	10	10	NUM
easat-7042	428	35	,	,	PUNCT
easat-7042	428	36	no	no	INTJ
easat-7042	428	37	.	.	NOUN
easat-7042	428	38	1	1	NUM
easat-7042	428	39	,	,	PUNCT
easat-7042	428	40	pp	pp	ADJ
easat-7042	428	41	.	.	PUNCT
easat-7042	429	1	21	21	NUM
easat-7042	429	2	-	-	SYM
easat-7042	429	3	37	37	NUM
easat-7042	429	4	,	,	PUNCT
easat-7042	429	5	2016	2016	NUM
easat-7042	429	6	.	.	PUNCT
easat-7042	430	1	[	[	X
easat-7042	430	2	20	20	NUM
easat-7042	430	3	]	]	PUNCT
easat-7042	430	4	s.	s.	PROPN
easat-7042	430	5	b.	b.	PROPN
easat-7042	430	6	wassie	wassie	PROPN
easat-7042	430	7	,	,	PUNCT
easat-7042	430	8	h.	h.	PROPN
easat-7042	430	9	kusakari	kusakari	PROPN
easat-7042	430	10	,	,	PUNCT
easat-7042	430	11	and	and	CCONJ
easat-7042	430	12	m.	m.	NOUN
easat-7042	430	13	sumimoto	sumimoto	NOUN
easat-7042	430	14	,	,	PUNCT
easat-7042	430	15	"	"	PUNCT
easat-7042	430	16	performance	performance	NOUN
easat-7042	430	17	of	of	ADP
easat-7042	430	18	microfinance	microfinance	NOUN
easat-7042	430	19	institutions	institution	NOUN
easat-7042	430	20	in	in	ADP
easat-7042	430	21	ethiopia	ethiopia	PROPN
easat-7042	430	22	:	:	PUNCT
easat-7042	430	23	integrating	integrate	VERB
easat-7042	430	24	financial	financial	ADJ
easat-7042	430	25	and	and	CCONJ
easat-7042	430	26	social	social	ADJ
easat-7042	430	27	metrics	metric	NOUN
easat-7042	430	28	,	,	PUNCT
easat-7042	430	29	"	"	PUNCT
easat-7042	430	30	social	social	ADJ
easat-7042	430	31	sciences	science	NOUN
easat-7042	430	32	,	,	PUNCT
easat-7042	430	33	vol	vol	NOUN
easat-7042	430	34	.	.	PROPN
easat-7042	430	35	8	8	NUM
easat-7042	430	36	,	,	PUNCT
easat-7042	430	37	no	no	INTJ
easat-7042	430	38	.	.	NOUN
easat-7042	430	39	4	4	NUM
easat-7042	430	40	,	,	PUNCT
easat-7042	430	41	p.	p.	NOUN
easat-7042	430	42	117	117	NUM
easat-7042	430	43	,	,	PUNCT
easat-7042	430	44	2019	2019	NUM
easat-7042	430	45	.	.	PUNCT
easat-7042	431	1	https://doi.org/10.3390/socsci8040117	https://doi.org/10.3390/socsci8040117	PROPN
easat-7042	431	2	[	[	X
easat-7042	431	3	21	21	NUM
easat-7042	431	4	]	]	X
easat-7042	431	5	h.	h.	PROPN
easat-7042	431	6	j.	j.	PROPN
easat-7042	431	7	bosco	bosco	PROPN
easat-7042	431	8	and	and	CCONJ
easat-7042	431	9	g.	g.	PROPN
easat-7042	431	10	faustin	faustin	PROPN
easat-7042	431	11	,	,	PUNCT
easat-7042	431	12	"	"	PUNCT
easat-7042	431	13	analysis	analysis	NOUN
easat-7042	431	14	of	of	ADP
easat-7042	431	15	loan	loan	NOUN
easat-7042	431	16	portfolio	portfolio	NOUN
easat-7042	431	17	management	management	NOUN
easat-7042	431	18	for	for	ADP
easat-7042	431	19	financial	financial	ADJ
easat-7042	431	20	profitability	profitability	NOUN
easat-7042	431	21	and	and	CCONJ
easat-7042	431	22	sustainability	sustainability	NOUN
easat-7042	431	23	of	of	ADP
easat-7042	431	24	umwalimu	umwalimu	ADJ
easat-7042	431	25	sacco	sacco	NOUN
easat-7042	431	26	in	in	ADP
easat-7042	431	27	rwanda	rwanda	PROPN
easat-7042	431	28	,	,	PUNCT
easat-7042	431	29	"	"	PUNCT
easat-7042	431	30	journal	journal	NOUN
easat-7042	431	31	of	of	ADP
easat-7042	431	32	economics	economic	NOUN
easat-7042	431	33	,	,	PUNCT
easat-7042	431	34	management	management	NOUN
easat-7042	431	35	and	and	CCONJ
easat-7042	431	36	trade	trade	NOUN
easat-7042	431	37	,	,	PUNCT
easat-7042	431	38	vol	vol	NOUN
easat-7042	431	39	.	.	PROPN
easat-7042	431	40	15	15	NUM
easat-7042	431	41	,	,	PUNCT
easat-7042	431	42	no	no	INTJ
easat-7042	431	43	.	.	NOUN
easat-7042	431	44	4	4	NUM
easat-7042	431	45	,	,	PUNCT
easat-7042	431	46	pp	pp	ADJ
easat-7042	431	47	.	.	PUNCT
easat-7042	432	1	1	1	NUM
easat-7042	432	2	-	-	SYM
easat-7042	432	3	16	16	NUM
easat-7042	432	4	,	,	PUNCT
easat-7042	432	5	2016	2016	NUM
easat-7042	432	6	.	.	PUNCT
easat-7042	433	1	[	[	X
easat-7042	433	2	22	22	NUM
easat-7042	433	3	]	]	PUNCT
easat-7042	433	4	a.	a.	NOUN
easat-7042	433	5	n.	n.	PROPN
easat-7042	433	6	berger	berger	PROPN
easat-7042	433	7	and	and	CCONJ
easat-7042	433	8	d.	d.	PROPN
easat-7042	433	9	b.	b.	PROPN
easat-7042	433	10	humphrey	humphrey	PROPN
easat-7042	433	11	,	,	PUNCT
easat-7042	433	12	"	"	PUNCT
easat-7042	433	13	efficiency	efficiency	NOUN
easat-7042	433	14	of	of	ADP
easat-7042	433	15	financial	financial	ADJ
easat-7042	433	16	institutions	institution	NOUN
easat-7042	433	17	:	:	PUNCT
easat-7042	433	18	international	international	ADJ
easat-7042	433	19	survey	survey	NOUN
easat-7042	433	20	and	and	CCONJ
easat-7042	433	21	directions	direction	NOUN
easat-7042	433	22	for	for	ADP
easat-7042	433	23	future	future	ADJ
easat-7042	433	24	research	research	NOUN
easat-7042	433	25	,	,	PUNCT
easat-7042	433	26	"	"	PUNCT
easat-7042	433	27	european	european	ADJ
easat-7042	433	28	journal	journal	PROPN
easat-7042	433	29	of	of	ADP
easat-7042	433	30	operational	operational	ADJ
easat-7042	433	31	research	research	NOUN
easat-7042	433	32	,	,	PUNCT
easat-7042	433	33	vol	vol	NOUN
easat-7042	433	34	.	.	PROPN
easat-7042	433	35	98	98	NUM
easat-7042	433	36	,	,	PUNCT
easat-7042	433	37	no	no	INTJ
easat-7042	433	38	.	.	NOUN
easat-7042	433	39	2	2	NUM
easat-7042	433	40	,	,	PUNCT
easat-7042	433	41	pp	pp	ADJ
easat-7042	433	42	.	.	PUNCT
easat-7042	434	1	175	175	NUM
easat-7042	434	2	-	-	SYM
easat-7042	434	3	212	212	NUM
easat-7042	434	4	,	,	PUNCT
easat-7042	434	5	1997	1997	NUM
easat-7042	434	6	.	.	PUNCT
easat-7042	435	1	https://doi.org/10.1016/s03772217(96)00342-6	https://doi.org/10.1016/s03772217(96)00342-6	NOUN
easat-7042	436	1	[	[	X
easat-7042	436	2	23	23	NUM
easat-7042	436	3	]	]	X
easat-7042	436	4	h.	h.	PROPN
easat-7042	436	5	d.	d.	PROPN
easat-7042	436	6	c.	c.	PROPN
easat-7042	436	7	le	le	PROPN
easat-7042	436	8	and	and	CCONJ
easat-7042	436	9	t.	t.	PROPN
easat-7042	436	10	t.	t.	PROPN
easat-7042	436	11	d.	d.	PROPN
easat-7042	436	12	trinh	trinh	PROPN
easat-7042	436	13	,	,	PUNCT
easat-7042	436	14	recommendations	recommendation	NOUN
easat-7042	436	15	for	for	ADP
easat-7042	436	16	the	the	DET
easat-7042	436	17	sustainable	sustainable	ADJ
easat-7042	436	18	development	development	NOUN
easat-7042	436	19	of	of	ADP
easat-7042	436	20	the	the	DET
easat-7042	436	21	vietnam	vietnam	PROPN
easat-7042	436	22	people	people	NOUN
easat-7042	436	23	’s	’s	PART
easat-7042	436	24	credit	credit	NOUN
easat-7042	436	25	fund	fund	NOUN
easat-7042	436	26	system	system	NOUN
easat-7042	436	27	.	.	PUNCT
easat-7042	437	1	banking	banking	NOUN
easat-7042	437	2	review	review	PROPN
easat-7042	437	3	,	,	PUNCT
easat-7042	437	4	01/2022	01/2022	PROPN
easat-7042	437	5	.	.	PUNCT
easat-7042	438	1	hanoi	hanoi	PROPN
easat-7042	438	2	:	:	PUNCT
easat-7042	438	3	state	state	PROPN
easat-7042	438	4	bank	bank	PROPN
easat-7042	438	5	of	of	ADP
easat-7042	438	6	vietnam	vietnam	PROPN
easat-7042	438	7	,	,	PUNCT
easat-7042	438	8	2022	2022	NUM
easat-7042	438	9	.	.	PUNCT
easat-7042	439	1	[	[	X
easat-7042	439	2	24	24	NUM
easat-7042	439	3	]	]	PUNCT
easat-7042	439	4	b.	b.	PROPN
easat-7042	439	5	cuadrado	cuadrado	PROPN
easat-7042	439	6	-	-	PUNCT
easat-7042	439	7	ballesteros	ballesteros	PROPN
easat-7042	439	8	and	and	CCONJ
easat-7042	439	9	m.	m.	PROPN
easat-7042	439	10	bisogno	bisogno	PROPN
easat-7042	439	11	,	,	PUNCT
easat-7042	439	12	"	"	PUNCT
easat-7042	439	13	budget	budget	NOUN
easat-7042	439	14	transparency	transparency	NOUN
easat-7042	439	15	and	and	CCONJ
easat-7042	439	16	financial	financial	ADJ
easat-7042	439	17	sustainability	sustainability	NOUN
easat-7042	439	18	,	,	PUNCT
easat-7042	439	19	"	"	PUNCT
easat-7042	439	20	journal	journal	NOUN
easat-7042	439	21	of	of	ADP
easat-7042	439	22	public	public	ADJ
easat-7042	439	23	budgeting	budgeting	NOUN
easat-7042	439	24	,	,	PUNCT
easat-7042	439	25	accounting	accounting	NOUN
easat-7042	439	26	&	&	CCONJ
easat-7042	439	27	financial	financial	ADJ
easat-7042	439	28	management	management	NOUN
easat-7042	439	29	,	,	PUNCT
easat-7042	439	30	vol	vol	NOUN
easat-7042	439	31	.	.	PROPN
easat-7042	440	1	34	34	NUM
easat-7042	440	2	,	,	PUNCT
easat-7042	440	3	no	no	INTJ
easat-7042	440	4	.	.	NOUN
easat-7042	440	5	6	6	NUM
easat-7042	440	6	,	,	PUNCT
easat-7042	440	7	pp	pp	ADJ
easat-7042	440	8	.	.	PUNCT
easat-7042	441	1	210	210	NUM
easat-7042	441	2	-	-	SYM
easat-7042	441	3	234	234	NUM
easat-7042	441	4	,	,	PUNCT
easat-7042	441	5	2022	2022	NUM
easat-7042	441	6	.	.	PUNCT
easat-7042	442	1	https://doi.org/10.1108/jpbafm02-2022-0025	https://doi.org/10.1108/jpbafm02-2022-0025	X
easat-7042	443	1	[	[	X
easat-7042	443	2	25	25	NUM
easat-7042	443	3	]	]	PUNCT
easat-7042	443	4	m.	m.	NOUN
easat-7042	443	5	cucciniello	cucciniello	PROPN
easat-7042	443	6	,	,	PUNCT
easat-7042	443	7	g.	g.	PROPN
easat-7042	443	8	a.	a.	PROPN
easat-7042	443	9	porumbescu	porumbescu	PROPN
easat-7042	443	10	,	,	PUNCT
easat-7042	443	11	and	and	CCONJ
easat-7042	443	12	s.	s.	PROPN
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easat-7042	443	14	,	,	PUNCT
easat-7042	443	15	"	"	PUNCT
easat-7042	443	16	25	25	NUM
easat-7042	443	17	years	year	NOUN
easat-7042	443	18	of	of	ADP
easat-7042	443	19	transparency	transparency	NOUN
easat-7042	443	20	research	research	NOUN
easat-7042	443	21	:	:	PUNCT
easat-7042	443	22	evidence	evidence	NOUN
easat-7042	443	23	and	and	CCONJ
easat-7042	443	24	future	future	ADJ
easat-7042	443	25	directions	direction	NOUN
easat-7042	443	26	,	,	PUNCT
easat-7042	443	27	"	"	PUNCT
easat-7042	443	28	public	public	ADJ
easat-7042	443	29	administration	administration	NOUN
easat-7042	443	30	review	review	PROPN
easat-7042	443	31	,	,	PUNCT
easat-7042	443	32	vol	vol	NOUN
easat-7042	443	33	.	.	PROPN
easat-7042	444	1	77	77	NUM
easat-7042	444	2	,	,	PUNCT
easat-7042	444	3	no	no	INTJ
easat-7042	444	4	.	.	NOUN
easat-7042	444	5	1	1	NUM
easat-7042	444	6	,	,	PUNCT
easat-7042	444	7	pp	pp	ADJ
easat-7042	444	8	.	.	PUNCT
easat-7042	445	1	32	32	NUM
easat-7042	445	2	-	-	SYM
easat-7042	445	3	44	44	NUM
easat-7042	445	4	,	,	PUNCT
easat-7042	445	5	2017	2017	NUM
easat-7042	445	6	.	.	PUNCT
easat-7042	446	1	https://doi.org/10.1111/puar.12685	https://doi.org/10.1111/puar.12685	NOUN
easat-7042	446	2	[	[	X
easat-7042	446	3	26	26	NUM
easat-7042	446	4	]	]	X
easat-7042	446	5	d.	d.	PROPN
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easat-7042	446	7	,	,	PUNCT
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easat-7042	446	10	transparency	transparency	NOUN
easat-7042	446	11	.	.	PUNCT
easat-7042	447	1	in	in	ADP
easat-7042	447	2	c.	c.	PROPN
easat-7042	447	3	hood	hood	PROPN
easat-7042	447	4	&	&	CCONJ
easat-7042	447	5	d.	d.	PROPN
easat-7042	447	6	heald	heald	PROPN
easat-7042	447	7	(	(	PUNCT
easat-7042	447	8	eds	eds	PROPN
easat-7042	447	9	.	.	PUNCT
easat-7042	447	10	)	)	PUNCT
easat-7042	447	11	,	,	PUNCT
easat-7042	447	12	transparency	transparency	NOUN
easat-7042	447	13	:	:	PUNCT
easat-7042	447	14	the	the	DET
easat-7042	447	15	key	key	NOUN
easat-7042	447	16	to	to	ADP
easat-7042	447	17	better	well	ADJ
easat-7042	447	18	governance	governance	NOUN
easat-7042	447	19	?	?	PUNCT
easat-7042	448	1	oxford	oxford	NOUN
easat-7042	448	2	:	:	PUNCT
easat-7042	448	3	oxford	oxford	PROPN
easat-7042	448	4	university	university	PROPN
easat-7042	448	5	press	press	NOUN
easat-7042	448	6	for	for	ADP
easat-7042	448	7	the	the	DET
easat-7042	448	8	british	british	PROPN
easat-7042	448	9	academy	academy	PROPN
easat-7042	448	10	,	,	PUNCT
easat-7042	448	11	2006	2006	NUM
easat-7042	448	12	.	.	PUNCT
easat-7042	449	1	[	[	X
easat-7042	449	2	27	27	NUM
easat-7042	449	3	]	]	X
easat-7042	449	4	d.	d.	PROPN
easat-7042	449	5	heald	heald	PROPN
easat-7042	449	6	,	,	PUNCT
easat-7042	449	7	"	"	PUNCT
easat-7042	449	8	why	why	SCONJ
easat-7042	449	9	is	be	AUX
easat-7042	449	10	transparency	transparency	NOUN
easat-7042	449	11	about	about	ADP
easat-7042	449	12	public	public	ADJ
easat-7042	449	13	expenditure	expenditure	NOUN
easat-7042	449	14	so	so	ADV
easat-7042	449	15	elusive	elusive	ADJ
easat-7042	449	16	?	?	PUNCT
easat-7042	449	17	,	,	PUNCT
easat-7042	449	18	"	"	PUNCT
easat-7042	449	19	international	international	ADJ
easat-7042	449	20	review	review	NOUN
easat-7042	449	21	of	of	ADP
easat-7042	449	22	administrative	administrative	ADJ
easat-7042	449	23	sciences	science	NOUN
easat-7042	449	24	,	,	PUNCT
easat-7042	449	25	vol	vol	NOUN
easat-7042	449	26	.	.	PROPN
easat-7042	450	1	78	78	NUM
easat-7042	450	2	,	,	PUNCT
easat-7042	450	3	no	no	INTJ
easat-7042	450	4	.	.	NOUN
easat-7042	450	5	1	1	NUM
easat-7042	450	6	,	,	PUNCT
easat-7042	450	7	pp	pp	ADJ
easat-7042	450	8	.	.	PUNCT
easat-7042	451	1	30	30	NUM
easat-7042	451	2	-	-	SYM
easat-7042	451	3	49	49	NUM
easat-7042	451	4	,	,	PUNCT
easat-7042	451	5	2012	2012	NUM
easat-7042	451	6	.	.	PUNCT
easat-7042	452	1	https://doi.org/10.1177/0020852311429931	https://doi.org/10.1177/0020852311429931	PROPN
easat-7042	452	2	https://doi.org/10.57239/pjlss-2024-22.2.001281	https://doi.org/10.57239/pjlss-2024-22.2.001281	NUM
easat-7042	452	3	https://doi.org/10.53894/ijirss.v8i3.6478	https://doi.org/10.53894/ijirss.v8i3.6478	PROPN
easat-7042	452	4	https://doi.org/10.1162/adev_a_00145	https://doi.org/10.1162/adev_a_00145	PROPN
easat-7042	452	5	https://doi.org/10.1007/s12197-023-09621-3	https://doi.org/10.1007/s12197-023-09621-3	PROPN
easat-7042	452	6	https://doi.org/10.1016/j.worlddev.2005.06.001	https://doi.org/10.1016/j.worlddev.2005.06.001	PROPN
easat-7042	452	7	https://doi.org/10.1007/s11301-019-00165-0	https://doi.org/10.1007/s11301-019-00165-0	NUM
easat-7042	452	8	https://doi.org/10.1016/j.jbusvent.2021.106145	https://doi.org/10.1016/j.jbusvent.2021.106145	PROPN
easat-7042	452	9	https://doi.org/10.1108/pap-12-2020-0056	https://doi.org/10.1108/pap-12-2020-0056	PROPN
easat-7042	452	10	https://doi.org/10.22495/cbv20i3art12	https://doi.org/10.22495/cbv20i3art12	PROPN
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easat-7042	452	12	https://dx.doi.org/10.1353/jda.2014.0081	https://dx.doi.org/10.1353/jda.2014.0081	PROPN
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easat-7042	452	14	https://doi.org/10.1016/s0377-2217(96)00342-6	https://doi.org/10.1016/s0377-2217(96)00342-6	PROPN
easat-7042	452	15	https://doi.org/10.1016/s0377-2217(96)00342-6	https://doi.org/10.1016/s0377-2217(96)00342-6	PROPN
easat-7042	452	16	https://doi.org/10.1108/jpbafm-02-2022-0025	https://doi.org/10.1108/jpbafm-02-2022-0025	PROPN
easat-7042	452	17	https://doi.org/10.1108/jpbafm-02-2022-0025	https://doi.org/10.1108/jpbafm-02-2022-0025	PROPN
easat-7042	452	18	https://doi.org/10.1111/puar.12685	https://doi.org/10.1111/puar.12685	ADJ
easat-7042	452	19	https://doi.org/10.1177/0020852311429931	https://doi.org/10.1177/0020852311429931	SYM
easat-7042	452	20	946	946	NUM
easat-7042	452	21	edelweiss	edelweiss	PROPN
easat-7042	452	22	applied	apply	VERB
easat-7042	452	23	science	science	NOUN
easat-7042	452	24	and	and	CCONJ
easat-7042	452	25	technology	technology	NOUN
easat-7042	452	26	issn	issn	PROPN
easat-7042	452	27	:	:	PUNCT
easat-7042	452	28	2576	2576	NUM
easat-7042	452	29	-	-	SYM
easat-7042	452	30	8484	8484	NUM
easat-7042	452	31	vol	vol	NOUN
easat-7042	452	32	.	.	PROPN
easat-7042	453	1	9	9	NUM
easat-7042	453	2	,	,	PUNCT
easat-7042	453	3	no	no	INTJ
easat-7042	453	4	.	.	NOUN
easat-7042	453	5	5	5	NUM
easat-7042	453	6	:	:	SYM
easat-7042	453	7	930	930	NUM
easat-7042	453	8	-	-	SYM
easat-7042	453	9	946	946	NUM
easat-7042	453	10	,	,	PUNCT
easat-7042	453	11	2025	2025	NUM
easat-7042	453	12	doi	doi	NOUN
easat-7042	453	13	:	:	PUNCT
easat-7042	453	14	10.55214/25768484.v9i5.7042	10.55214/25768484.v9i5.7042	NUM
easat-7042	453	15	©	©	PROPN
easat-7042	453	16	2025	2025	NUM
easat-7042	453	17	by	by	ADP
easat-7042	453	18	the	the	DET
easat-7042	453	19	authors	author	NOUN
easat-7042	453	20	;	;	PUNCT
easat-7042	453	21	licensee	licensee	PROPN
easat-7042	453	22	learning	learning	NOUN
easat-7042	453	23	gate	gate	NOUN
easat-7042	454	1	[	[	X
easat-7042	454	2	28	28	NUM
easat-7042	454	3	]	]	X
easat-7042	454	4	d.	d.	PROPN
easat-7042	454	5	t.	t.	PROPN
easat-7042	454	6	nguyen	nguyen	PROPN
easat-7042	454	7	,	,	PUNCT
easat-7042	454	8	textbook	textbook	NOUN
easat-7042	454	9	of	of	ADP
easat-7042	454	10	scientific	scientific	ADJ
easat-7042	454	11	research	research	NOUN
easat-7042	454	12	methods	method	NOUN
easat-7042	454	13	in	in	ADP
easat-7042	454	14	business	business	NOUN
easat-7042	454	15	,	,	PUNCT
easat-7042	454	16	1st	1st	ADJ
easat-7042	454	17	ed	ed	NOUN
easat-7042	454	18	.	.	PUNCT
easat-7042	455	1	ho	ho	PROPN
easat-7042	455	2	chi	chi	PROPN
easat-7042	455	3	minh	minh	PROPN
easat-7042	455	4	city	city	PROPN
easat-7042	455	5	:	:	PUNCT
easat-7042	455	6	finance	finance	NOUN
easat-7042	455	7	publishing	publishing	NOUN
easat-7042	455	8	house	house	NOUN
easat-7042	455	9	,	,	PUNCT
easat-7042	455	10	2011	2011	NUM
easat-7042	455	11	.	.	PUNCT
easat-7042	456	1	[	[	X
easat-7042	456	2	29	29	NUM
easat-7042	456	3	]	]	X
easat-7042	456	4	w.	w.	NOUN
easat-7042	456	5	judge	judge	PROPN
easat-7042	456	6	and	and	CCONJ
easat-7042	456	7	t.	t.	PROPN
easat-7042	456	8	douglas	douglas	PROPN
easat-7042	456	9	,	,	PUNCT
easat-7042	456	10	"	"	PUNCT
easat-7042	456	11	organizational	organizational	ADJ
easat-7042	456	12	change	change	NOUN
easat-7042	456	13	capacity	capacity	NOUN
easat-7042	456	14	:	:	PUNCT
easat-7042	456	15	the	the	DET
easat-7042	456	16	systematic	systematic	ADJ
easat-7042	456	17	development	development	NOUN
easat-7042	456	18	of	of	ADP
easat-7042	456	19	a	a	DET
easat-7042	456	20	scale	scale	NOUN
easat-7042	456	21	,	,	PUNCT
easat-7042	456	22	"	"	PUNCT
easat-7042	456	23	journal	journal	NOUN
easat-7042	456	24	of	of	ADP
easat-7042	456	25	organizational	organizational	ADJ
easat-7042	456	26	change	change	NOUN
easat-7042	456	27	management	management	NOUN
easat-7042	456	28	,	,	PUNCT
easat-7042	456	29	vol	vol	NOUN
easat-7042	456	30	.	.	PROPN
easat-7042	457	1	22	22	NUM
easat-7042	457	2	,	,	PUNCT
easat-7042	457	3	no	no	INTJ
easat-7042	457	4	.	.	NOUN
easat-7042	457	5	6	6	NUM
easat-7042	457	6	,	,	PUNCT
easat-7042	457	7	pp	pp	ADJ
easat-7042	457	8	.	.	PUNCT
easat-7042	458	1	635	635	NUM
easat-7042	458	2	-	-	SYM
easat-7042	458	3	649	649	NUM
easat-7042	458	4	,	,	PUNCT
easat-7042	458	5	2009	2009	NUM
easat-7042	458	6	.	.	PUNCT
easat-7042	459	1	https://doi.org/10.1108/09534810910997041	https://doi.org/10.1108/09534810910997041	X
easat-7042	460	1	[	[	X
easat-7042	460	2	30	30	NUM
easat-7042	460	3	]	]	PUNCT
easat-7042	460	4	k.	k.	NOUN
easat-7042	461	1	beg	beg	PROPN
easat-7042	461	2	,	,	PUNCT
easat-7042	461	3	"	"	PUNCT
easat-7042	461	4	determinants	determinant	NOUN
easat-7042	461	5	of	of	ADP
easat-7042	461	6	financial	financial	ADJ
easat-7042	461	7	self	self	NOUN
easat-7042	461	8	sufficiency	sufficiency	NOUN
easat-7042	461	9	of	of	ADP
easat-7042	461	10	andhra	andhra	PROPN
easat-7042	461	11	pradesh	pradesh	PROPN
easat-7042	461	12	microfinance	microfinance	NOUN
easat-7042	461	13	institutions	institution	NOUN
easat-7042	461	14	,	,	PUNCT
easat-7042	461	15	"	"	PUNCT
easat-7042	461	16	journal	journal	NOUN
easat-7042	461	17	of	of	ADP
easat-7042	461	18	business	business	PROPN
easat-7042	461	19	&	&	CCONJ
easat-7042	461	20	financial	financial	PROPN
easat-7042	461	21	affairs	affairs	PROPN
easat-7042	461	22	,	,	PUNCT
easat-7042	461	23	vol	vol	NOUN
easat-7042	461	24	.	.	PROPN
easat-7042	461	25	5	5	NUM
easat-7042	461	26	,	,	PUNCT
easat-7042	461	27	no	no	INTJ
easat-7042	461	28	.	.	NOUN
easat-7042	461	29	3	3	NUM
easat-7042	461	30	,	,	PUNCT
easat-7042	461	31	pp	pp	ADJ
easat-7042	461	32	.	.	PUNCT
easat-7042	462	1	1	1	NUM
easat-7042	462	2	-	-	SYM
easat-7042	462	3	9	9	NUM
easat-7042	462	4	,	,	PUNCT
easat-7042	462	5	2016	2016	NUM
easat-7042	462	6	.	.	PUNCT
easat-7042	463	1	http://dx.doi.org/10.4172/2167-0234.1000209	http://dx.doi.org/10.4172/2167-0234.1000209	VERB
easat-7042	464	1	[	[	X
easat-7042	464	2	31	31	NUM
easat-7042	464	3	]	]	PUNCT
easat-7042	464	4	j.	j.	PROPN
easat-7042	464	5	c.	c.	PROPN
easat-7042	464	6	nunnally	nunnally	PROPN
easat-7042	464	7	,	,	PUNCT
easat-7042	464	8	psychometric	psychometric	ADJ
easat-7042	464	9	theory	theory	NOUN
easat-7042	464	10	,	,	PUNCT
easat-7042	464	11	2nd	2nd	ADJ
easat-7042	464	12	ed	ed	NOUN
easat-7042	464	13	.	.	PUNCT
easat-7042	465	1	new	new	PROPN
easat-7042	465	2	york	york	PROPN
easat-7042	465	3	:	:	PUNCT
easat-7042	465	4	mcgraw	mcgraw	PROPN
easat-7042	465	5	-	-	PUNCT
easat-7042	465	6	hill	hill	NOUN
easat-7042	465	7	,	,	PUNCT
easat-7042	465	8	1978	1978	NUM
easat-7042	465	9	.	.	PUNCT
easat-7042	466	1	[	[	X
easat-7042	466	2	32	32	NUM
easat-7042	466	3	]	]	PUNCT
easat-7042	466	4	e.	e.	PROPN
easat-7042	466	5	cristobal	cristobal	PROPN
easat-7042	466	6	,	,	PUNCT
easat-7042	466	7	c.	c.	PROPN
easat-7042	466	8	flavian	flavian	PROPN
easat-7042	466	9	,	,	PUNCT
easat-7042	466	10	and	and	CCONJ
easat-7042	466	11	m.	m.	NOUN
easat-7042	466	12	guinaliu	guinaliu	NOUN
easat-7042	466	13	,	,	PUNCT
easat-7042	466	14	"	"	PUNCT
easat-7042	466	15	perceived	perceive	VERB
easat-7042	466	16	e‐service	e‐service	PUNCT
easat-7042	466	17	quality	quality	NOUN
easat-7042	466	18	(	(	PUNCT
easat-7042	466	19	pesq	pesq	NOUN
easat-7042	466	20	)	)	PUNCT
easat-7042	466	21	measurement	measurement	NOUN
easat-7042	466	22	validation	validation	NOUN
easat-7042	466	23	and	and	CCONJ
easat-7042	466	24	effects	effect	NOUN
easat-7042	466	25	on	on	ADP
easat-7042	466	26	consumer	consumer	NOUN
easat-7042	466	27	satisfaction	satisfaction	NOUN
easat-7042	466	28	and	and	CCONJ
easat-7042	466	29	web	web	NOUN
easat-7042	466	30	site	site	NOUN
easat-7042	466	31	loyalty	loyalty	NOUN
easat-7042	466	32	,	,	PUNCT
easat-7042	466	33	"	"	PUNCT
easat-7042	466	34	managing	manage	VERB
easat-7042	466	35	service	service	NOUN
easat-7042	466	36	quality	quality	NOUN
easat-7042	466	37	:	:	PUNCT
easat-7042	466	38	an	an	DET
easat-7042	466	39	international	international	ADJ
easat-7042	466	40	journal	journal	NOUN
easat-7042	466	41	,	,	PUNCT
easat-7042	466	42	vol	vol	NOUN
easat-7042	466	43	.	.	PROPN
easat-7042	466	44	17	17	NUM
easat-7042	466	45	,	,	PUNCT
easat-7042	466	46	no	no	INTJ
easat-7042	466	47	.	.	NOUN
easat-7042	466	48	3	3	NUM
easat-7042	466	49	,	,	PUNCT
easat-7042	466	50	pp	pp	ADJ
easat-7042	466	51	.	.	PUNCT
easat-7042	467	1	317340	317340	NUM
easat-7042	467	2	,	,	PUNCT
easat-7042	467	3	2007	2007	NUM
easat-7042	467	4	.	.	PUNCT
easat-7042	468	1	https://doi.org/10.1108/09604520710744326	https://doi.org/10.1108/09604520710744326	X
easat-7042	469	1	[	[	X
easat-7042	469	2	33	33	NUM
easat-7042	469	3	]	]	PUNCT
easat-7042	469	4	j.	j.	PROPN
easat-7042	469	5	f.	f.	PROPN
easat-7042	469	6	hair	hair	PROPN
easat-7042	469	7	,	,	PUNCT
easat-7042	469	8	w.	w.	PROPN
easat-7042	469	9	c.	c.	PROPN
easat-7042	469	10	black	black	PROPN
easat-7042	469	11	,	,	PUNCT
easat-7042	469	12	b.	b.	PROPN
easat-7042	469	13	j.	j.	PROPN
easat-7042	469	14	babin	babin	PROPN
easat-7042	469	15	,	,	PUNCT
easat-7042	469	16	and	and	CCONJ
easat-7042	469	17	r.	r.	PROPN
easat-7042	469	18	e.	e.	PROPN
easat-7042	469	19	anderson	anderson	PROPN
easat-7042	469	20	,	,	PUNCT
easat-7042	469	21	multivariate	multivariate	VERB
easat-7042	469	22	data	datum	NOUN
easat-7042	469	23	analysis	analysis	NOUN
easat-7042	469	24	,	,	PUNCT
easat-7042	469	25	7th	7th	ADJ
easat-7042	469	26	ed	ed	NOUN
easat-7042	469	27	.	.	PUNCT
easat-7042	470	1	new	new	PROPN
easat-7042	470	2	york	york	PROPN
easat-7042	470	3	:	:	PUNCT
easat-7042	470	4	pearson	pearson	PROPN
easat-7042	470	5	,	,	PUNCT
easat-7042	470	6	2010	2010	NUM
easat-7042	470	7	.	.	PUNCT
easat-7042	471	1	[	[	X
easat-7042	471	2	34	34	NUM
easat-7042	471	3	]	]	PUNCT
easat-7042	471	4	a.	a.	NOUN
easat-7042	471	5	field	field	NOUN
easat-7042	471	6	,	,	PUNCT
easat-7042	471	7	discovering	discover	VERB
easat-7042	471	8	statistics	statistic	NOUN
easat-7042	471	9	using	use	VERB
easat-7042	471	10	ibm	ibm	PROPN
easat-7042	471	11	spss	spss	PROPN
easat-7042	471	12	statistics	statistic	NOUN
easat-7042	471	13	,	,	PUNCT
easat-7042	471	14	4th	4th	ADJ
easat-7042	471	15	ed	ed	NOUN
easat-7042	471	16	.	.	PUNCT
easat-7042	472	1	london	london	PROPN
easat-7042	472	2	:	:	PUNCT
easat-7042	472	3	sage	sage	NOUN
easat-7042	472	4	publications	publication	NOUN
easat-7042	472	5	,	,	PUNCT
easat-7042	472	6	2013	2013	NUM
easat-7042	472	7	.	.	PUNCT
easat-7042	473	1	[	[	X
easat-7042	473	2	35	35	NUM
easat-7042	473	3	]	]	X
easat-7042	473	4	n.	n.	NOUN
easat-7042	473	5	hermes	hermes	PROPN
easat-7042	473	6	,	,	PUNCT
easat-7042	473	7	r.	r.	PROPN
easat-7042	473	8	lensink	lensink	PROPN
easat-7042	473	9	,	,	PUNCT
easat-7042	473	10	and	and	CCONJ
easat-7042	473	11	a.	a.	NOUN
easat-7042	473	12	meesters	meesters	PROPN
easat-7042	473	13	,	,	PUNCT
easat-7042	473	14	financial	financial	ADJ
easat-7042	473	15	development	development	NOUN
easat-7042	473	16	and	and	CCONJ
easat-7042	473	17	the	the	DET
easat-7042	473	18	efficiency	efficiency	NOUN
easat-7042	473	19	of	of	ADP
easat-7042	473	20	microfinance	microfinance	NOUN
easat-7042	473	21	institutions	institution	NOUN
easat-7042	473	22	(	(	PUNCT
easat-7042	473	23	research	research	NOUN
easat-7042	473	24	handbook	handbook	NOUN
easat-7042	473	25	on	on	ADP
easat-7042	473	26	small	small	ADJ
easat-7042	473	27	business	business	NOUN
easat-7042	473	28	social	social	ADJ
easat-7042	473	29	responsibility	responsibility	NOUN
easat-7042	473	30	)	)	PUNCT
easat-7042	473	31	.	.	PUNCT
easat-7042	474	1	cheltenham	cheltenham	PROPN
easat-7042	474	2	,	,	PUNCT
easat-7042	474	3	uk	uk	PROPN
easat-7042	474	4	:	:	PUNCT
easat-7042	474	5	edward	edward	PROPN
easat-7042	474	6	elgar	elgar	PROPN
easat-7042	474	7	publishing	publishing	PROPN
easat-7042	474	8	,	,	PUNCT
easat-7042	474	9	2018	2018	NUM
easat-7042	474	10	.	.	PUNCT
easat-7042	475	1	[	[	X
easat-7042	475	2	36	36	NUM
easat-7042	475	3	]	]	X
easat-7042	475	4	g.	g.	PROPN
easat-7042	475	5	d.	d.	PROPN
easat-7042	475	6	nyamsogoro	nyamsogoro	PROPN
easat-7042	475	7	,	,	PUNCT
easat-7042	475	8	"	"	PUNCT
easat-7042	475	9	financial	financial	ADJ
easat-7042	475	10	sustainability	sustainability	NOUN
easat-7042	475	11	of	of	ADP
easat-7042	475	12	rural	rural	ADJ
easat-7042	475	13	microfinance	microfinance	NOUN
easat-7042	475	14	institutions	institution	NOUN
easat-7042	475	15	(	(	PUNCT
easat-7042	475	16	mfis	mfis	PROPN
easat-7042	475	17	)	)	PUNCT
easat-7042	475	18	in	in	ADP
easat-7042	475	19	tanzania	tanzania	PROPN
easat-7042	475	20	,	,	PUNCT
easat-7042	475	21	"	"	PUNCT
easat-7042	475	22	phd	phd	NOUN
easat-7042	475	23	dissertation	dissertation	NOUN
easat-7042	475	24	,	,	PUNCT
easat-7042	475	25	university	university	NOUN
easat-7042	475	26	of	of	ADP
easat-7042	475	27	greenwich	greenwich	PROPN
easat-7042	475	28	,	,	PUNCT
easat-7042	475	29	united	united	ADJ
easat-7042	475	30	kingdom	kingdom	PROPN
easat-7042	475	31	,	,	PUNCT
easat-7042	475	32	2010	2010	NUM
easat-7042	475	33	.	.	PUNCT
easat-7042	476	1	[	[	X
easat-7042	476	2	37	37	NUM
easat-7042	476	3	]	]	X
easat-7042	476	4	r.	r.	PROPN
easat-7042	476	5	mersland	mersland	PROPN
easat-7042	476	6	and	and	CCONJ
easat-7042	476	7	r.	r.	PROPN
easat-7042	476	8	ø	ø	PROPN
easat-7042	476	9	.	.	PUNCT
easat-7042	476	10	strøm	strøm	PROPN
easat-7042	476	11	,	,	PUNCT
easat-7042	476	12	"	"	PUNCT
easat-7042	476	13	performance	performance	NOUN
easat-7042	476	14	and	and	CCONJ
easat-7042	476	15	governance	governance	NOUN
easat-7042	476	16	in	in	ADP
easat-7042	476	17	microfinance	microfinance	NOUN
easat-7042	476	18	institutions	institution	NOUN
easat-7042	476	19	,	,	PUNCT
easat-7042	476	20	"	"	PUNCT
easat-7042	476	21	journal	journal	NOUN
easat-7042	476	22	of	of	ADP
easat-7042	476	23	banking	banking	NOUN
easat-7042	476	24	&	&	CCONJ
easat-7042	476	25	finance	finance	PROPN
easat-7042	476	26	,	,	PUNCT
easat-7042	476	27	vol	vol	NOUN
easat-7042	476	28	.	.	PROPN
easat-7042	477	1	33	33	NUM
easat-7042	477	2	,	,	PUNCT
easat-7042	477	3	no	no	INTJ
easat-7042	477	4	.	.	NOUN
easat-7042	477	5	4	4	NUM
easat-7042	477	6	,	,	PUNCT
easat-7042	477	7	pp	pp	ADJ
easat-7042	477	8	.	.	PUNCT
easat-7042	478	1	662	662	NUM
easat-7042	478	2	-	-	SYM
easat-7042	478	3	669	669	NUM
easat-7042	478	4	,	,	PUNCT
easat-7042	478	5	2009	2009	NUM
easat-7042	478	6	.	.	PUNCT
easat-7042	479	1	https://doi.org/10.1016/j.jbankfin.2008.11.009	https://doi.org/10.1016/j.jbankfin.2008.11.009	PROPN
easat-7042	480	1	[	[	X
easat-7042	480	2	38	38	NUM
easat-7042	480	3	]	]	PUNCT
easat-7042	480	4	r.	r.	PROPN
easat-7042	480	5	cull	cull	PROPN
easat-7042	480	6	,	,	PUNCT
easat-7042	480	7	r.	r.	PROPN
easat-7042	480	8	mersland	mersland	PROPN
easat-7042	480	9	,	,	PUNCT
easat-7042	480	10	e.	e.	PROPN
easat-7042	480	11	rhyne	rhyne	PROPN
easat-7042	480	12	,	,	PUNCT
easat-7042	480	13	and	and	CCONJ
easat-7042	480	14	h.	h.	PROPN
easat-7042	480	15	zaman	zaman	PROPN
easat-7042	480	16	,	,	PUNCT
easat-7042	480	17	"	"	PUNCT
easat-7042	480	18	microfinance	microfinance	NOUN
easat-7042	480	19	and	and	CCONJ
easat-7042	480	20	economic	economic	ADJ
easat-7042	480	21	development	development	NOUN
easat-7042	480	22	,	,	PUNCT
easat-7042	480	23	"	"	PUNCT
easat-7042	480	24	policy	policy	NOUN
easat-7042	480	25	research	research	NOUN
easat-7042	480	26	working	working	NOUN
easat-7042	480	27	paper	paper	NOUN
easat-7042	480	28	no	no	INTJ
easat-7042	480	29	.	.	PROPN
easat-7042	480	30	8252	8252	NUM
easat-7042	480	31	,	,	PUNCT
easat-7042	480	32	the	the	DET
easat-7042	480	33	world	world	PROPN
easat-7042	480	34	bank	bank	PROPN
easat-7042	480	35	.	.	PUNCT
easat-7042	481	1	https://doi.org/10.1596/1813-9450-8252	https://doi.org/10.1596/1813-9450-8252	PROPN
easat-7042	481	2	,	,	PUNCT
easat-7042	481	3	2016	2016	NUM
easat-7042	481	4	.	.	PUNCT
easat-7042	482	1	[	[	X
easat-7042	482	2	39	39	NUM
easat-7042	482	3	]	]	PUNCT
easat-7042	482	4	l.	l.	PROPN
easat-7042	482	5	a.	a.	PROPN
easat-7042	482	6	beisland	beisland	PROPN
easat-7042	482	7	,	,	PUNCT
easat-7042	482	8	b.	b.	PROPN
easat-7042	482	9	d’espallier	d’espallier	PROPN
easat-7042	482	10	,	,	PUNCT
easat-7042	482	11	and	and	CCONJ
easat-7042	482	12	r.	r.	PROPN
easat-7042	482	13	mersland	mersland	PROPN
easat-7042	482	14	,	,	PUNCT
easat-7042	482	15	"	"	PUNCT
easat-7042	482	16	transparency	transparency	NOUN
easat-7042	482	17	and	and	CCONJ
easat-7042	482	18	stakeholder	stakeholder	NOUN
easat-7042	482	19	trust	trust	NOUN
easat-7042	482	20	in	in	ADP
easat-7042	482	21	the	the	DET
easat-7042	482	22	microfinance	microfinance	NOUN
easat-7042	482	23	industry	industry	NOUN
easat-7042	482	24	,	,	PUNCT
easat-7042	482	25	"	"	PUNCT
easat-7042	482	26	strategic	strategic	ADJ
easat-7042	482	27	change	change	NOUN
easat-7042	482	28	,	,	PUNCT
easat-7042	482	29	vol	vol	NOUN
easat-7042	482	30	.	.	PROPN
easat-7042	482	31	27	27	NUM
easat-7042	482	32	,	,	PUNCT
easat-7042	482	33	no	no	INTJ
easat-7042	482	34	.	.	NOUN
easat-7042	482	35	6	6	NUM
easat-7042	482	36	,	,	PUNCT
easat-7042	482	37	pp	pp	ADJ
easat-7042	482	38	.	.	PUNCT
easat-7042	483	1	571–582	571–582	NUM
easat-7042	483	2	,	,	PUNCT
easat-7042	483	3	2018	2018	NUM
easat-7042	483	4	.	.	PUNCT
easat-7042	484	1	https://doi.org/10.1002/jsc.2229	https://doi.org/10.1002/jsc.2229	NOUN
easat-7042	484	2	https://doi.org/10.1108/09534810910997041	https://doi.org/10.1108/09534810910997041	NOUN
easat-7042	484	3	http://dx.doi.org/10.4172/2167-0234.1000209	http://dx.doi.org/10.4172/2167-0234.1000209	PROPN
easat-7042	484	4	https://doi.org/10.1108/09604520710744326	https://doi.org/10.1108/09604520710744326	ADJ
easat-7042	484	5	https://doi.org/10.1016/j.jbankfin.2008.11.009	https://doi.org/10.1016/j.jbankfin.2008.11.009	PROPN
easat-7042	484	6	https://doi.org/10.1596/1813-9450-8252	https://doi.org/10.1596/1813-9450-8252	VERB
easat-7042	484	7	https://doi.org/10.1002/jsc.2229	https://doi.org/10.1002/jsc.2229	NOUN