id	sid	tid	token	lemma	pos
easat-9395	1	1	edelweiss	edelweiss	PROPN
easat-9395	1	2	applied	apply	VERB
easat-9395	1	3	science	science	NOUN
easat-9395	1	4	and	and	CCONJ
easat-9395	1	5	technology	technology	NOUN
easat-9395	1	6	issn	issn	PROPN
easat-9395	1	7	:	:	PUNCT
easat-9395	1	8	2576	2576	NUM
easat-9395	1	9	-	-	SYM
easat-9395	1	10	8484	8484	NUM
easat-9395	1	11	vol	vol	NOUN
easat-9395	1	12	.	.	PROPN
easat-9395	2	1	9	9	NUM
easat-9395	2	2	,	,	PUNCT
easat-9395	2	3	no	no	INTJ
easat-9395	2	4	.	.	NOUN
easat-9395	2	5	8	8	NUM
easat-9395	2	6	,	,	PUNCT
easat-9395	2	7	652	652	NUM
easat-9395	2	8	-	-	SYM
easat-9395	2	9	665	665	NUM
easat-9395	2	10	2025	2025	NUM
easat-9395	2	11	publisher	publisher	NOUN
easat-9395	2	12	:	:	PUNCT
easat-9395	2	13	learning	learn	VERB
easat-9395	2	14	gate	gate	NOUN
easat-9395	2	15	doi	doi	PROPN
easat-9395	2	16	:	:	PUNCT
easat-9395	2	17	10.55214/2576	10.55214/2576	NUM
easat-9395	2	18	-	-	NOUN
easat-9395	2	19	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	2	20	©	©	PROPN
easat-9395	2	21	2025	2025	NUM
easat-9395	2	22	by	by	ADP
easat-9395	2	23	the	the	DET
easat-9395	2	24	authors	author	NOUN
easat-9395	2	25	;	;	PUNCT
easat-9395	2	26	licensee	licensee	PROPN
easat-9395	2	27	learning	learning	NOUN
easat-9395	2	28	gate	gate	NOUN
easat-9395	3	1	©	©	PROPN
easat-9395	3	2	2025	2025	NUM
easat-9395	3	3	by	by	ADP
easat-9395	3	4	the	the	DET
easat-9395	3	5	authors	author	NOUN
easat-9395	3	6	;	;	PUNCT
easat-9395	3	7	licensee	licensee	PROPN
easat-9395	3	8	learning	learning	NOUN
easat-9395	3	9	gate	gate	NOUN
easat-9395	3	10	history	history	NOUN
easat-9395	3	11	:	:	PUNCT
easat-9395	3	12	received	receive	VERB
easat-9395	3	13	:	:	PUNCT
easat-9395	3	14	12	12	NUM
easat-9395	3	15	june	june	PROPN
easat-9395	3	16	2025	2025	NUM
easat-9395	3	17	;	;	PUNCT
easat-9395	3	18	revised	revise	VERB
easat-9395	3	19	:	:	PUNCT
easat-9395	3	20	25	25	NUM
easat-9395	3	21	july	july	PROPN
easat-9395	3	22	2025	2025	NUM
easat-9395	3	23	;	;	PUNCT
easat-9395	3	24	accepted	accept	VERB
easat-9395	3	25	:	:	PUNCT
easat-9395	3	26	29	29	NUM
easat-9395	3	27	july	july	NOUN
easat-9395	3	28	2025	2025	NUM
easat-9395	3	29	;	;	PUNCT
easat-9395	3	30	published	publish	VERB
easat-9395	3	31	:	:	PUNCT
easat-9395	4	1	11	11	NUM
easat-9395	4	2	august	august	PROPN
easat-9395	4	3	2025	2025	NUM
easat-9395	4	4	*	*	PUNCT
easat-9395	4	5	correspondence	correspondence	NOUN
easat-9395	4	6	:	:	PUNCT
easat-9395	4	7	rifaatul.maftuhah.2204319@students.um.ac.id	rifaatul.maftuhah.2204319@students.um.ac.id	NOUN
easat-9395	4	8	from	from	ADP
easat-9395	4	9	financial	financial	ADJ
easat-9395	4	10	literacy	literacy	NOUN
easat-9395	4	11	to	to	ADP
easat-9395	4	12	financial	financial	ADJ
easat-9395	4	13	satisfaction	satisfaction	NOUN
easat-9395	4	14	:	:	PUNCT
easat-9395	4	15	the	the	DET
easat-9395	4	16	mediating	mediate	VERB
easat-9395	4	17	role	role	NOUN
easat-9395	4	18	of	of	ADP
easat-9395	4	19	financial	financial	ADJ
easat-9395	4	20	behavior	behavior	NOUN
easat-9395	4	21	rifa’atul	rifa’atul	VERB
easat-9395	4	22	maftuhah1	maftuhah1	PROPN
easat-9395	4	23	*	*	NOUN
easat-9395	4	24	,	,	PUNCT
easat-9395	4	25	cipto	cipto	VERB
easat-9395	4	26	wardoyo2	wardoyo2	NOUN
easat-9395	4	27	,	,	PUNCT
easat-9395	4	28	heri	heri	NOUN
easat-9395	4	29	pratikto3	pratikto3	NOUN
easat-9395	4	30	,	,	PUNCT
easat-9395	4	31	madziyatul	madziyatul	VERB
easat-9395	4	32	churiyah4	churiyah4	NOUN
easat-9395	4	33	1,2,3,4faculty	1,2,3,4faculty	NUM
easat-9395	4	34	of	of	ADP
easat-9395	4	35	economics	economic	NOUN
easat-9395	4	36	and	and	CCONJ
easat-9395	4	37	business	business	NOUN
easat-9395	4	38	,	,	PUNCT
easat-9395	4	39	universitas	universita	NOUN
easat-9395	4	40	negeri	negeri	PROPN
easat-9395	4	41	malang	malang	PROPN
easat-9395	4	42	,	,	PUNCT
easat-9395	4	43	indonesia	indonesia	PROPN
easat-9395	4	44	;	;	PUNCT
easat-9395	4	45	rifaatul.maftuhah.2204319@students.um.ac.id	rifaatul.maftuhah.2204319@students.um.ac.id	PROPN
easat-9395	4	46	(	(	PUNCT
easat-9395	4	47	r.m	r.m	PROPN
easat-9395	4	48	.	.	PROPN
easat-9395	4	49	)	)	PUNCT
easat-9395	5	1	cipto.wardoyo.fe@um.ac.id	cipto.wardoyo.fe@um.ac.id	PROPN
easat-9395	5	2	(	(	PUNCT
easat-9395	5	3	c.w	c.w	PROPN
easat-9395	5	4	.	.	PROPN
easat-9395	5	5	)	)	PUNCT
easat-9395	6	1	heri.pratikto.fe@um.ac.id	heri.pratikto.fe@um.ac.id	NOUN
easat-9395	6	2	(	(	PUNCT
easat-9395	6	3	h.p	h.p	PROPN
easat-9395	6	4	.	.	PROPN
easat-9395	6	5	)	)	PUNCT
easat-9395	7	1	madziatul.churiyah.fe@um.ac.id	madziatul.churiyah.fe@um.ac.id	PROPN
easat-9395	7	2	(	(	PUNCT
easat-9395	7	3	m.c	m.c	PROPN
easat-9395	7	4	.	.	PROPN
easat-9395	7	5	)	)	PUNCT
easat-9395	7	6	.	.	PUNCT
easat-9395	8	1	abstract	abstract	ADV
easat-9395	8	2	:	:	PUNCT
easat-9395	8	3	the	the	DET
easat-9395	8	4	development	development	NOUN
easat-9395	8	5	of	of	ADP
easat-9395	8	6	financial	financial	ADJ
easat-9395	8	7	technology	technology	NOUN
easat-9395	8	8	(	(	PUNCT
easat-9395	8	9	fintech	fintech	NOUN
easat-9395	8	10	)	)	PUNCT
easat-9395	8	11	and	and	CCONJ
easat-9395	8	12	increased	increase	VERB
easat-9395	8	13	access	access	NOUN
easat-9395	8	14	to	to	ADP
easat-9395	8	15	financial	financial	ADJ
easat-9395	8	16	services	service	NOUN
easat-9395	8	17	,	,	PUNCT
easat-9395	8	18	along	along	ADP
easat-9395	8	19	with	with	ADP
easat-9395	8	20	changes	change	NOUN
easat-9395	8	21	in	in	ADP
easat-9395	8	22	consumption	consumption	NOUN
easat-9395	8	23	patterns	pattern	NOUN
easat-9395	8	24	,	,	PUNCT
easat-9395	8	25	have	have	AUX
easat-9395	8	26	significantly	significantly	ADV
easat-9395	8	27	impacted	impact	VERB
easat-9395	8	28	individual	individual	ADJ
easat-9395	8	29	perceptions	perception	NOUN
easat-9395	8	30	of	of	ADP
easat-9395	8	31	financial	financial	ADJ
easat-9395	8	32	satisfaction	satisfaction	NOUN
easat-9395	8	33	(	(	PUNCT
easat-9395	8	34	fs	fs	NOUN
easat-9395	8	35	)	)	PUNCT
easat-9395	8	36	.	.	PUNCT
easat-9395	9	1	challenges	challenge	NOUN
easat-9395	9	2	to	to	ADP
easat-9395	9	3	financial	financial	ADJ
easat-9395	9	4	satisfaction	satisfaction	NOUN
easat-9395	9	5	include	include	VERB
easat-9395	9	6	economic	economic	ADJ
easat-9395	9	7	instability	instability	NOUN
easat-9395	9	8	,	,	PUNCT
easat-9395	9	9	inflation	inflation	NOUN
easat-9395	9	10	,	,	PUNCT
easat-9395	9	11	and	and	CCONJ
easat-9395	9	12	income	income	NOUN
easat-9395	9	13	disparity	disparity	NOUN
easat-9395	9	14	.	.	PUNCT
easat-9395	10	1	this	this	DET
easat-9395	10	2	study	study	NOUN
easat-9395	10	3	aims	aim	VERB
easat-9395	10	4	to	to	PART
easat-9395	10	5	examine	examine	VERB
easat-9395	10	6	the	the	DET
easat-9395	10	7	relationship	relationship	NOUN
easat-9395	10	8	between	between	ADP
easat-9395	10	9	financial	financial	ADJ
easat-9395	10	10	literacy	literacy	NOUN
easat-9395	10	11	(	(	PUNCT
easat-9395	10	12	fl	fl	NOUN
easat-9395	10	13	)	)	PUNCT
easat-9395	10	14	and	and	CCONJ
easat-9395	10	15	financial	financial	ADJ
easat-9395	10	16	risk	risk	NOUN
easat-9395	10	17	tolerance	tolerance	NOUN
easat-9395	10	18	(	(	PUNCT
easat-9395	10	19	frt	frt	NOUN
easat-9395	10	20	)	)	PUNCT
easat-9395	10	21	on	on	ADP
easat-9395	10	22	financial	financial	ADJ
easat-9395	10	23	satisfaction	satisfaction	NOUN
easat-9395	10	24	(	(	PUNCT
easat-9395	10	25	fs	fs	PROPN
easat-9395	10	26	)	)	PUNCT
easat-9395	10	27	,	,	PUNCT
easat-9395	10	28	considering	consider	VERB
easat-9395	10	29	the	the	DET
easat-9395	10	30	mediating	mediate	VERB
easat-9395	10	31	role	role	NOUN
easat-9395	10	32	of	of	ADP
easat-9395	10	33	financial	financial	ADJ
easat-9395	10	34	behavior	behavior	NOUN
easat-9395	10	35	(	(	PUNCT
easat-9395	10	36	fb	fb	INTJ
easat-9395	10	37	)	)	PUNCT
easat-9395	10	38	.	.	PUNCT
easat-9395	11	1	the	the	DET
easat-9395	11	2	research	research	NOUN
easat-9395	11	3	was	be	AUX
easat-9395	11	4	conducted	conduct	VERB
easat-9395	11	5	on	on	ADP
easat-9395	11	6	383	383	NUM
easat-9395	11	7	teachers	teacher	NOUN
easat-9395	11	8	across	across	ADP
easat-9395	11	9	five	five	NUM
easat-9395	11	10	major	major	ADJ
easat-9395	11	11	cities	city	NOUN
easat-9395	11	12	in	in	ADP
easat-9395	11	13	east	east	PROPN
easat-9395	11	14	java	java	PROPN
easat-9395	11	15	,	,	PUNCT
easat-9395	11	16	indonesia	indonesia	PROPN
easat-9395	11	17	—	—	PUNCT
easat-9395	11	18	surabaya	surabaya	NOUN
easat-9395	11	19	,	,	PUNCT
easat-9395	11	20	sidoarjo	sidoarjo	NOUN
easat-9395	11	21	,	,	PUNCT
easat-9395	11	22	gresik	gresik	NOUN
easat-9395	11	23	,	,	PUNCT
easat-9395	11	24	mojokerto	mojokerto	NOUN
easat-9395	11	25	,	,	PUNCT
easat-9395	11	26	and	and	CCONJ
easat-9395	11	27	pasuruan	pasuruan	PROPN
easat-9395	11	28	—	—	PUNCT
easat-9395	11	29	using	use	VERB
easat-9395	11	30	proportional	proportional	ADJ
easat-9395	11	31	random	random	ADJ
easat-9395	11	32	sampling	sampling	NOUN
easat-9395	11	33	.	.	PUNCT
easat-9395	12	1	data	datum	NOUN
easat-9395	12	2	collected	collect	VERB
easat-9395	12	3	were	be	AUX
easat-9395	12	4	analyzed	analyze	VERB
easat-9395	12	5	using	use	VERB
easat-9395	12	6	partial	partial	ADJ
easat-9395	12	7	least	least	ADJ
easat-9395	12	8	squares	square	NOUN
easat-9395	12	9	structural	structural	ADJ
easat-9395	12	10	equation	equation	NOUN
easat-9395	12	11	modeling	modeling	NOUN
easat-9395	12	12	(	(	PUNCT
easat-9395	12	13	pls	pls	INTJ
easat-9395	12	14	-	-	PUNCT
easat-9395	12	15	sem	sem	NOUN
easat-9395	12	16	)	)	PUNCT
easat-9395	12	17	.	.	PUNCT
easat-9395	13	1	the	the	DET
easat-9395	13	2	findings	finding	NOUN
easat-9395	13	3	revealed	reveal	VERB
easat-9395	13	4	that	that	SCONJ
easat-9395	13	5	both	both	CCONJ
easat-9395	13	6	financial	financial	ADJ
easat-9395	13	7	literacy	literacy	NOUN
easat-9395	13	8	(	(	PUNCT
easat-9395	13	9	fl	fl	NOUN
easat-9395	13	10	)	)	PUNCT
easat-9395	13	11	and	and	CCONJ
easat-9395	13	12	financial	financial	ADJ
easat-9395	13	13	risk	risk	NOUN
easat-9395	13	14	tolerance	tolerance	NOUN
easat-9395	13	15	(	(	PUNCT
easat-9395	13	16	frt	frt	NOUN
easat-9395	13	17	)	)	PUNCT
easat-9395	13	18	positively	positively	ADV
easat-9395	13	19	influence	influence	NOUN
easat-9395	13	20	teachers	teacher	NOUN
easat-9395	13	21	'	'	PART
easat-9395	13	22	financial	financial	ADJ
easat-9395	13	23	satisfaction	satisfaction	NOUN
easat-9395	13	24	(	(	PUNCT
easat-9395	13	25	fs	fs	NOUN
easat-9395	13	26	)	)	PUNCT
easat-9395	13	27	.	.	PUNCT
easat-9395	14	1	additionally	additionally	ADV
easat-9395	14	2	,	,	PUNCT
easat-9395	14	3	financial	financial	ADJ
easat-9395	14	4	behavior	behavior	NOUN
easat-9395	14	5	(	(	PUNCT
easat-9395	14	6	fb	fb	INTJ
easat-9395	14	7	)	)	PUNCT
easat-9395	14	8	was	be	AUX
easat-9395	14	9	found	find	VERB
easat-9395	14	10	to	to	PART
easat-9395	14	11	mediate	mediate	VERB
easat-9395	14	12	the	the	DET
easat-9395	14	13	relationship	relationship	NOUN
easat-9395	14	14	between	between	ADP
easat-9395	14	15	financial	financial	ADJ
easat-9395	14	16	literacy	literacy	NOUN
easat-9395	14	17	(	(	PUNCT
easat-9395	14	18	fl	fl	NOUN
easat-9395	14	19	)	)	PUNCT
easat-9395	14	20	and	and	CCONJ
easat-9395	14	21	financial	financial	ADJ
easat-9395	14	22	satisfaction	satisfaction	NOUN
easat-9395	14	23	(	(	PUNCT
easat-9395	14	24	fs	fs	PROPN
easat-9395	14	25	)	)	PUNCT
easat-9395	14	26	,	,	PUNCT
easat-9395	14	27	as	as	ADV
easat-9395	14	28	well	well	ADV
easat-9395	14	29	as	as	ADP
easat-9395	14	30	between	between	ADP
easat-9395	14	31	financial	financial	ADJ
easat-9395	14	32	risk	risk	NOUN
easat-9395	14	33	tolerance	tolerance	NOUN
easat-9395	14	34	(	(	PUNCT
easat-9395	14	35	frt	frt	NOUN
easat-9395	14	36	)	)	PUNCT
easat-9395	14	37	and	and	CCONJ
easat-9395	14	38	fs	fs	PROPN
easat-9395	14	39	.	.	PUNCT
easat-9395	15	1	this	this	DET
easat-9395	15	2	research	research	NOUN
easat-9395	15	3	is	be	AUX
easat-9395	15	4	expected	expect	VERB
easat-9395	15	5	to	to	PART
easat-9395	15	6	contribute	contribute	VERB
easat-9395	15	7	both	both	PRON
easat-9395	15	8	theoretically	theoretically	ADV
easat-9395	15	9	and	and	CCONJ
easat-9395	15	10	practically	practically	ADV
easat-9395	15	11	by	by	ADP
easat-9395	15	12	emphasizing	emphasize	VERB
easat-9395	15	13	the	the	DET
easat-9395	15	14	importance	importance	NOUN
easat-9395	15	15	for	for	SCONJ
easat-9395	15	16	policymakers	policymaker	NOUN
easat-9395	15	17	in	in	ADP
easat-9395	15	18	the	the	DET
easat-9395	15	19	education	education	NOUN
easat-9395	15	20	sector	sector	NOUN
easat-9395	15	21	to	to	PART
easat-9395	15	22	develop	develop	VERB
easat-9395	15	23	financial	financial	ADJ
easat-9395	15	24	well	well	ADV
easat-9395	15	25	-	-	PUNCT
easat-9395	15	26	being	be	AUX
easat-9395	15	27	programs	program	NOUN
easat-9395	15	28	for	for	ADP
easat-9395	15	29	teachers	teacher	NOUN
easat-9395	15	30	and	and	CCONJ
easat-9395	15	31	highlighting	highlight	VERB
easat-9395	15	32	the	the	DET
easat-9395	15	33	need	need	NOUN
easat-9395	15	34	for	for	SCONJ
easat-9395	15	35	teachers	teacher	NOUN
easat-9395	15	36	to	to	PART
easat-9395	15	37	prioritize	prioritize	VERB
easat-9395	15	38	financial	financial	ADJ
easat-9395	15	39	components	component	NOUN
easat-9395	15	40	in	in	ADP
easat-9395	15	41	their	their	PRON
easat-9395	15	42	personal	personal	ADJ
easat-9395	15	43	and	and	CCONJ
easat-9395	15	44	professional	professional	ADJ
easat-9395	15	45	lives	life	NOUN
easat-9395	15	46	.	.	PUNCT
easat-9395	16	1	keywords	keyword	NOUN
easat-9395	16	2	:	:	PUNCT
easat-9395	16	3	financial	financial	ADJ
easat-9395	16	4	behavior	behavior	NOUN
easat-9395	16	5	,	,	PUNCT
easat-9395	16	6	financial	financial	ADJ
easat-9395	16	7	literacy	literacy	NOUN
easat-9395	16	8	,	,	PUNCT
easat-9395	16	9	financial	financial	ADJ
easat-9395	16	10	risk	risk	NOUN
easat-9395	16	11	tolerance	tolerance	NOUN
easat-9395	16	12	,	,	PUNCT
easat-9395	16	13	financial	financial	ADJ
easat-9395	16	14	satisfaction	satisfaction	NOUN
easat-9395	16	15	.	.	PUNCT
easat-9395	17	1	1	1	X
easat-9395	17	2	.	.	X
easat-9395	17	3	introduction	introduction	NOUN
easat-9395	17	4	financial	financial	ADJ
easat-9395	17	5	satisfaction	satisfaction	NOUN
easat-9395	17	6	(	(	PUNCT
easat-9395	17	7	fs	f	NOUN
easat-9395	17	8	)	)	PUNCT
easat-9395	17	9	has	have	AUX
easat-9395	17	10	emerged	emerge	VERB
easat-9395	17	11	as	as	ADP
easat-9395	17	12	one	one	NUM
easat-9395	17	13	of	of	ADP
easat-9395	17	14	the	the	DET
easat-9395	17	15	key	key	ADJ
easat-9395	17	16	elements	element	NOUN
easat-9395	17	17	in	in	ADP
easat-9395	17	18	understanding	understand	VERB
easat-9395	17	19	individual	individual	ADJ
easat-9395	17	20	wellbeing	wellbee	VERB
easat-9395	17	21	holistically	holistically	ADV
easat-9395	17	22	[	[	X
easat-9395	17	23	1	1	NUM
easat-9395	17	24	-	-	SYM
easat-9395	17	25	3	3	NUM
easat-9395	17	26	]	]	PUNCT
easat-9395	17	27	.	.	PUNCT
easat-9395	18	1	it	it	PRON
easat-9395	18	2	represents	represent	VERB
easat-9395	18	3	a	a	DET
easat-9395	18	4	person	person	NOUN
easat-9395	18	5	's	's	PART
easat-9395	18	6	view	view	NOUN
easat-9395	18	7	of	of	ADP
easat-9395	18	8	their	their	PRON
easat-9395	18	9	financial	financial	ADJ
easat-9395	18	10	situation	situation	NOUN
easat-9395	18	11	,	,	PUNCT
easat-9395	18	12	including	include	VERB
easat-9395	18	13	their	their	PRON
easat-9395	18	14	capacity	capacity	NOUN
easat-9395	18	15	to	to	PART
easat-9395	18	16	fulfill	fulfill	VERB
easat-9395	18	17	essential	essential	ADJ
easat-9395	18	18	needs	need	NOUN
easat-9395	18	19	,	,	PUNCT
easat-9395	18	20	achieve	achieve	VERB
easat-9395	18	21	financial	financial	ADJ
easat-9395	18	22	goals	goal	NOUN
easat-9395	18	23	,	,	PUNCT
easat-9395	18	24	and	and	CCONJ
easat-9395	18	25	respond	respond	VERB
easat-9395	18	26	to	to	ADP
easat-9395	18	27	unexpected	unexpected	ADJ
easat-9395	18	28	events	event	NOUN
easat-9395	18	29	[	[	X
easat-9395	18	30	4	4	NUM
easat-9395	18	31	,	,	PUNCT
easat-9395	18	32	5	5	NUM
easat-9395	18	33	]	]	PUNCT
easat-9395	18	34	.	.	PUNCT
easat-9395	19	1	amid	amid	ADP
easat-9395	19	2	global	global	ADJ
easat-9395	19	3	economic	economic	ADJ
easat-9395	19	4	fluctuations	fluctuation	NOUN
easat-9395	19	5	,	,	PUNCT
easat-9395	19	6	fs	fs	X
easat-9395	19	7	is	be	AUX
easat-9395	19	8	increasingly	increasingly	ADV
easat-9395	19	9	recognized	recognize	VERB
easat-9395	19	10	as	as	ADP
easat-9395	19	11	a	a	DET
easat-9395	19	12	critical	critical	ADJ
easat-9395	19	13	indicator	indicator	NOUN
easat-9395	19	14	of	of	ADP
easat-9395	19	15	subjective	subjective	ADJ
easat-9395	19	16	well	well	ADV
easat-9395	19	17	-	-	PUNCT
easat-9395	19	18	being	being	NOUN
easat-9395	19	19	,	,	PUNCT
easat-9395	19	20	particularly	particularly	ADV
easat-9395	19	21	within	within	ADP
easat-9395	19	22	modern	modern	ADJ
easat-9395	19	23	societies	society	NOUN
easat-9395	19	24	[	[	X
easat-9395	19	25	6	6	NUM
easat-9395	19	26	,	,	PUNCT
easat-9395	19	27	7	7	NUM
easat-9395	19	28	]	]	PUNCT
easat-9395	19	29	.	.	PUNCT
easat-9395	20	1	in	in	ADP
easat-9395	20	2	indonesia	indonesia	PROPN
easat-9395	20	3	,	,	PUNCT
easat-9395	20	4	advancements	advancement	NOUN
easat-9395	20	5	in	in	ADP
easat-9395	20	6	financial	financial	ADJ
easat-9395	20	7	technology	technology	NOUN
easat-9395	20	8	(	(	PUNCT
easat-9395	20	9	fintech	fintech	NOUN
easat-9395	20	10	)	)	PUNCT
easat-9395	20	11	,	,	PUNCT
easat-9395	20	12	expanded	expand	VERB
easat-9395	20	13	access	access	NOUN
easat-9395	20	14	to	to	ADP
easat-9395	20	15	financial	financial	ADJ
easat-9395	20	16	services	service	NOUN
easat-9395	20	17	,	,	PUNCT
easat-9395	20	18	and	and	CCONJ
easat-9395	20	19	shifts	shift	NOUN
easat-9395	20	20	in	in	ADP
easat-9395	20	21	consumption	consumption	NOUN
easat-9395	20	22	patterns	pattern	NOUN
easat-9395	20	23	are	be	AUX
easat-9395	20	24	significantly	significantly	ADV
easat-9395	20	25	reshaping	reshape	VERB
easat-9395	20	26	individual	individual	ADJ
easat-9395	20	27	’s	’s	PART
easat-9395	20	28	perspective	perspective	NOUN
easat-9395	20	29	on	on	ADP
easat-9395	20	30	fs	fs	ADP
easat-9395	20	31	.	.	PUNCT
easat-9395	21	1	the	the	DET
easat-9395	21	2	challenges	challenge	NOUN
easat-9395	21	3	such	such	ADJ
easat-9395	21	4	as	as	ADP
easat-9395	21	5	economic	economic	ADJ
easat-9395	21	6	instability	instability	NOUN
easat-9395	21	7	,	,	PUNCT
easat-9395	21	8	inflation	inflation	NOUN
easat-9395	21	9	,	,	PUNCT
easat-9395	21	10	and	and	CCONJ
easat-9395	21	11	income	income	NOUN
easat-9395	21	12	disparity	disparity	NOUN
easat-9395	21	13	impact	impact	NOUN
easat-9395	21	14	perceptions	perception	NOUN
easat-9395	21	15	of	of	ADP
easat-9395	21	16	financial	financial	ADJ
easat-9395	21	17	security	security	NOUN
easat-9395	21	18	[	[	X
easat-9395	21	19	8	8	NUM
easat-9395	21	20	,	,	PUNCT
easat-9395	21	21	9	9	NUM
easat-9395	21	22	]	]	PUNCT
easat-9395	21	23	.	.	PUNCT
easat-9395	22	1	consequently	consequently	ADV
easat-9395	22	2	,	,	PUNCT
easat-9395	22	3	understanding	understand	VERB
easat-9395	22	4	the	the	DET
easat-9395	22	5	factors	factor	NOUN
easat-9395	22	6	influencing	influence	VERB
easat-9395	22	7	fs	fs	INTJ
easat-9395	22	8	is	be	AUX
easat-9395	22	9	essential	essential	ADJ
easat-9395	22	10	to	to	PART
easat-9395	22	11	inform	inform	VERB
easat-9395	22	12	effective	effective	ADJ
easat-9395	22	13	financial	financial	ADJ
easat-9395	22	14	policies	policy	NOUN
easat-9395	22	15	and	and	CCONJ
easat-9395	22	16	strategies	strategy	NOUN
easat-9395	22	17	[	[	X
easat-9395	22	18	10	10	NUM
easat-9395	22	19	,	,	PUNCT
easat-9395	22	20	11	11	NUM
easat-9395	22	21	]	]	PUNCT
easat-9395	22	22	.	.	PUNCT
easat-9395	23	1	moreover	moreover	ADV
easat-9395	23	2	,	,	PUNCT
easat-9395	23	3	human	human	ADJ
easat-9395	23	4	resource	resource	NOUN
easat-9395	23	5	development	development	NOUN
easat-9395	23	6	is	be	AUX
easat-9395	23	7	also	also	ADV
easat-9395	23	8	affected	affect	VERB
easat-9395	23	9	.	.	PUNCT
easat-9395	24	1	in	in	ADP
easat-9395	24	2	this	this	DET
easat-9395	24	3	point	point	NOUN
easat-9395	24	4	,	,	PUNCT
easat-9395	24	5	financial	financial	ADJ
easat-9395	24	6	services	service	NOUN
easat-9395	24	7	authority	authority	NOUN
easat-9395	24	8	(	(	PUNCT
easat-9395	24	9	fsa	fsa	PROPN
easat-9395	24	10	)	)	PUNCT
easat-9395	24	11	stated	state	VERB
easat-9395	24	12	that	that	SCONJ
easat-9395	24	13	teachers	teacher	NOUN
easat-9395	24	14	are	be	AUX
easat-9395	24	15	among	among	ADP
easat-9395	24	16	the	the	DET
easat-9395	24	17	professions	profession	NOUN
easat-9395	24	18	with	with	ADP
easat-9395	24	19	the	the	DET
easat-9395	24	20	highest	high	ADJ
easat-9395	24	21	exposure	exposure	NOUN
easat-9395	24	22	to	to	ADP
easat-9395	24	23	online	online	ADJ
easat-9395	24	24	loans	loan	NOUN
easat-9395	24	25	in	in	ADP
easat-9395	24	26	indonesia	indonesia	PROPN
easat-9395	24	27	,	,	PUNCT
easat-9395	24	28	at	at	ADP
easat-9395	24	29	47	47	NUM
easat-9395	24	30	%	%	NOUN
easat-9395	24	31	.	.	PUNCT
easat-9395	25	1	it	it	PRON
easat-9395	25	2	reflects	reflect	VERB
easat-9395	25	3	significant	significant	ADJ
easat-9395	25	4	financial	financial	ADJ
easat-9395	25	5	issues	issue	NOUN
easat-9395	25	6	among	among	ADP
easat-9395	25	7	teachers	teacher	NOUN
easat-9395	25	8	,	,	PUNCT
easat-9395	25	9	which	which	PRON
easat-9395	25	10	drives	drive	VERB
easat-9395	25	11	them	they	PRON
easat-9395	25	12	to	to	PART
easat-9395	25	13	seek	seek	VERB
easat-9395	25	14	quick	quick	ADJ
easat-9395	25	15	solutions	solution	NOUN
easat-9395	25	16	through	through	ADP
easat-9395	25	17	high	high	ADJ
easat-9395	25	18	-	-	PUNCT
easat-9395	25	19	risk	risk	NOUN
easat-9395	25	20	online	online	ADJ
easat-9395	25	21	lending	lending	NOUN
easat-9395	25	22	platforms	platform	NOUN
easat-9395	25	23	.	.	PUNCT
easat-9395	26	1	fs	fs	INTJ
easat-9395	26	2	is	be	AUX
easat-9395	26	3	often	often	ADV
easat-9395	26	4	described	describe	VERB
easat-9395	26	5	as	as	ADP
easat-9395	26	6	a	a	DET
easat-9395	26	7	personal	personal	ADJ
easat-9395	26	8	evaluation	evaluation	NOUN
easat-9395	26	9	of	of	ADP
easat-9395	26	10	one	one	NUM
easat-9395	26	11	’s	’s	PART
easat-9395	26	12	financial	financial	ADJ
easat-9395	26	13	condition	condition	NOUN
easat-9395	26	14	,	,	PUNCT
easat-9395	26	15	including	include	VERB
easat-9395	26	16	the	the	DET
easat-9395	26	17	capability	capability	NOUN
easat-9395	26	18	to	to	PART
easat-9395	26	19	cover	cover	VERB
easat-9395	26	20	basic	basic	ADJ
easat-9395	26	21	necessities	necessity	NOUN
easat-9395	26	22	,	,	PUNCT
easat-9395	26	23	handle	handle	VERB
easat-9395	26	24	debts	debt	NOUN
easat-9395	26	25	,	,	PUNCT
easat-9395	26	26	save	save	VERB
easat-9395	26	27	money	money	NOUN
easat-9395	26	28	,	,	PUNCT
easat-9395	26	29	and	and	CCONJ
easat-9395	26	30	prepare	prepare	VERB
easat-9395	26	31	for	for	ADP
easat-9395	26	32	future	future	ADJ
easat-9395	26	33	expenses	expense	NOUN
easat-9395	26	34	[	[	X
easat-9395	26	35	12	12	NUM
easat-9395	26	36	]	]	PUNCT
easat-9395	26	37	.	.	PUNCT
easat-9395	27	1	it	it	PRON
easat-9395	27	2	is	be	AUX
easat-9395	27	3	influenced	influence	VERB
easat-9395	27	4	by	by	ADP
easat-9395	27	5	demographics	demographic	NOUN
easat-9395	27	6	,	,	PUNCT
easat-9395	27	7	financial	financial	ADJ
easat-9395	27	8	behavior	behavior	NOUN
easat-9395	27	9	(	(	PUNCT
easat-9395	27	10	fb	fb	INTJ
easat-9395	27	11	)	)	PUNCT
easat-9395	27	12	,	,	PUNCT
easat-9395	27	13	psychological	psychological	ADJ
easat-9395	27	14	characteristics	characteristic	NOUN
easat-9395	27	15	[	[	X
easat-9395	27	16	13	13	NUM
easat-9395	27	17	]	]	PUNCT
easat-9395	27	18	income	income	NOUN
easat-9395	28	1	[	[	X
easat-9395	28	2	11	11	NUM
easat-9395	28	3	,	,	PUNCT
easat-9395	28	4	14	14	NUM
easat-9395	28	5	]	]	X
easat-9395	28	6	assets	asset	NOUN
easat-9395	28	7	,	,	PUNCT
easat-9395	28	8	653	653	NUM
easat-9395	28	9	edelweiss	edelweiss	PROPN
easat-9395	28	10	applied	apply	VERB
easat-9395	28	11	science	science	NOUN
easat-9395	28	12	and	and	CCONJ
easat-9395	28	13	technology	technology	NOUN
easat-9395	28	14	issn	issn	PROPN
easat-9395	28	15	:	:	PUNCT
easat-9395	28	16	2576	2576	NUM
easat-9395	28	17	-	-	SYM
easat-9395	28	18	8484	8484	NUM
easat-9395	28	19	vol	vol	NOUN
easat-9395	28	20	.	.	PROPN
easat-9395	29	1	9	9	NUM
easat-9395	29	2	,	,	PUNCT
easat-9395	29	3	no	no	INTJ
easat-9395	29	4	.	.	NOUN
easat-9395	29	5	8	8	NUM
easat-9395	29	6	:	:	PUNCT
easat-9395	29	7	652	652	NUM
easat-9395	29	8	-	-	SYM
easat-9395	29	9	665	665	NUM
easat-9395	29	10	,	,	PUNCT
easat-9395	29	11	2025	2025	NUM
easat-9395	29	12	doi	doi	NOUN
easat-9395	29	13	:	:	PUNCT
easat-9395	29	14	10.55214/2576	10.55214/2576	NUM
easat-9395	29	15	-	-	NOUN
easat-9395	29	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	29	17	©	©	PROPN
easat-9395	29	18	2025	2025	NUM
easat-9395	29	19	by	by	ADP
easat-9395	29	20	the	the	DET
easat-9395	29	21	authors	author	NOUN
easat-9395	29	22	;	;	PUNCT
easat-9395	29	23	licensee	licensee	PROPN
easat-9395	29	24	learning	learning	NOUN
easat-9395	29	25	gate	gate	NOUN
easat-9395	29	26	and	and	CCONJ
easat-9395	29	27	debts	debt	NOUN
easat-9395	30	1	[	[	X
easat-9395	30	2	15	15	NUM
easat-9395	30	3	,	,	PUNCT
easat-9395	30	4	16	16	NUM
easat-9395	30	5	]	]	PUNCT
easat-9395	30	6	.	.	PUNCT
easat-9395	31	1	further	further	ADJ
easat-9395	31	2	research	research	NOUN
easat-9395	31	3	emphasizes	emphasize	VERB
easat-9395	31	4	the	the	DET
easat-9395	31	5	role	role	NOUN
easat-9395	31	6	of	of	ADP
easat-9395	31	7	financial	financial	ADJ
easat-9395	31	8	literacy	literacy	NOUN
easat-9395	31	9	(	(	PUNCT
easat-9395	31	10	fl	fl	NOUN
easat-9395	31	11	)	)	PUNCT
easat-9395	32	1	[	[	X
easat-9395	32	2	17	17	NUM
easat-9395	32	3	-	-	SYM
easat-9395	32	4	19	19	NUM
easat-9395	32	5	]	]	PUNCT
easat-9395	32	6	financial	financial	ADJ
easat-9395	32	7	behavior	behavior	NOUN
easat-9395	32	8	(	(	PUNCT
easat-9395	32	9	fb	fb	INTJ
easat-9395	32	10	)	)	PUNCT
easat-9395	33	1	[	[	X
easat-9395	33	2	20	20	NUM
easat-9395	33	3	,	,	PUNCT
easat-9395	33	4	21	21	NUM
easat-9395	33	5	]	]	PUNCT
easat-9395	33	6	and	and	CCONJ
easat-9395	33	7	frt	frt	X
easat-9395	34	1	[	[	X
easat-9395	34	2	22	22	NUM
easat-9395	34	3	,	,	PUNCT
easat-9395	34	4	23	23	NUM
easat-9395	34	5	]	]	PUNCT
easat-9395	34	6	in	in	ADP
easat-9395	34	7	shaping	shape	VERB
easat-9395	34	8	fs	fs	PROPN
easat-9395	34	9	.	.	PROPN
easat-9395	34	10	research	research	NOUN
easat-9395	34	11	on	on	ADP
easat-9395	34	12	fl	fl	PRON
easat-9395	34	13	and	and	CCONJ
easat-9395	34	14	risk	risk	NOUN
easat-9395	34	15	tolerance	tolerance	NOUN
easat-9395	34	16	has	have	AUX
easat-9395	34	17	been	be	AUX
easat-9395	34	18	widely	widely	ADV
easat-9395	34	19	conducted	conduct	VERB
easat-9395	34	20	,	,	PUNCT
easat-9395	34	21	including	include	VERB
easat-9395	34	22	among	among	ADP
easat-9395	34	23	teachers	teacher	NOUN
easat-9395	34	24	.	.	PUNCT
easat-9395	35	1	fl	fl	PROPN
easat-9395	35	2	,	,	PUNCT
easat-9395	35	3	which	which	PRON
easat-9395	35	4	encompasses	encompass	VERB
easat-9395	35	5	an	an	DET
easat-9395	35	6	individual	individual	NOUN
easat-9395	35	7	’s	’s	PART
easat-9395	35	8	understanding	understanding	NOUN
easat-9395	35	9	of	of	ADP
easat-9395	35	10	fundamental	fundamental	ADJ
easat-9395	35	11	financial	financial	ADJ
easat-9395	35	12	principles	principle	NOUN
easat-9395	35	13	and	and	CCONJ
easat-9395	35	14	proficiency	proficiency	NOUN
easat-9395	35	15	in	in	ADP
easat-9395	35	16	handling	handle	VERB
easat-9395	35	17	money	money	NOUN
easat-9395	35	18	,	,	PUNCT
easat-9395	35	19	is	be	AUX
easat-9395	35	20	believed	believe	VERB
easat-9395	35	21	to	to	PART
easat-9395	35	22	directly	directly	ADV
easat-9395	35	23	influence	influence	VERB
easat-9395	35	24	fs	fs	ADP
easat-9395	35	25	[	[	X
easat-9395	35	26	24	24	NUM
easat-9395	35	27	,	,	PUNCT
easat-9395	35	28	25	25	NUM
easat-9395	35	29	]	]	PUNCT
easat-9395	35	30	.	.	PUNCT
easat-9395	36	1	individuals	individual	NOUN
easat-9395	36	2	with	with	ADP
easat-9395	36	3	strong	strong	ADJ
easat-9395	36	4	fl	fl	NOUN
easat-9395	36	5	tend	tend	VERB
easat-9395	36	6	to	to	PART
easat-9395	36	7	excel	excel	VERB
easat-9395	36	8	in	in	ADP
easat-9395	36	9	managing	manage	VERB
easat-9395	36	10	their	their	PRON
easat-9395	36	11	earnings	earning	NOUN
easat-9395	36	12	,	,	PUNCT
easat-9395	36	13	preparing	prepare	VERB
easat-9395	36	14	for	for	ADP
easat-9395	36	15	future	future	ADJ
easat-9395	36	16	financial	financial	ADJ
easat-9395	36	17	needs	need	NOUN
easat-9395	36	18	,	,	PUNCT
easat-9395	36	19	and	and	CCONJ
easat-9395	36	20	making	make	VERB
easat-9395	36	21	informed	informed	ADJ
easat-9395	36	22	decisions	decision	NOUN
easat-9395	36	23	,	,	PUNCT
easat-9395	36	24	ultimately	ultimately	ADV
easat-9395	36	25	increasing	increase	VERB
easat-9395	36	26	their	their	PRON
easat-9395	36	27	fs	fs	NOUN
easat-9395	37	1	[	[	X
easat-9395	37	2	18	18	NUM
easat-9395	37	3	,	,	PUNCT
easat-9395	37	4	26	26	NUM
easat-9395	37	5	]	]	PUNCT
easat-9395	37	6	.	.	PUNCT
easat-9395	38	1	an	an	DET
easat-9395	38	2	individual	individual	NOUN
easat-9395	38	3	's	's	PART
easat-9395	38	4	willingness	willingness	NOUN
easat-9395	38	5	to	to	PART
easat-9395	38	6	take	take	VERB
easat-9395	38	7	financial	financial	ADJ
easat-9395	38	8	risks	risk	NOUN
easat-9395	38	9	,	,	PUNCT
easat-9395	38	10	known	know	VERB
easat-9395	38	11	as	as	ADP
easat-9395	38	12	financial	financial	ADJ
easat-9395	38	13	risk	risk	NOUN
easat-9395	38	14	tolerance	tolerance	NOUN
easat-9395	38	15	(	(	PUNCT
easat-9395	38	16	frt	frt	NOUN
easat-9395	38	17	)	)	PUNCT
easat-9395	38	18	,	,	PUNCT
easat-9395	38	19	also	also	ADV
easat-9395	38	20	affects	affect	VERB
easat-9395	38	21	their	their	PRON
easat-9395	38	22	level	level	NOUN
easat-9395	38	23	of	of	ADP
easat-9395	38	24	fs	fs	PROPN
easat-9395	38	25	.	.	PUNCT
easat-9395	39	1	those	those	PRON
easat-9395	39	2	with	with	ADP
easat-9395	39	3	higher	high	ADJ
easat-9395	39	4	risk	risk	NOUN
easat-9395	39	5	tolerance	tolerance	NOUN
easat-9395	39	6	are	be	AUX
easat-9395	39	7	frequently	frequently	ADV
easat-9395	39	8	more	more	ADV
easat-9395	39	9	willing	willing	ADJ
easat-9395	39	10	to	to	PART
easat-9395	39	11	explore	explore	VERB
easat-9395	39	12	investment	investment	NOUN
easat-9395	39	13	opportunities	opportunity	NOUN
easat-9395	39	14	that	that	PRON
easat-9395	39	15	support	support	VERB
easat-9395	39	16	long	long	ADJ
easat-9395	39	17	-	-	PUNCT
easat-9395	39	18	term	term	NOUN
easat-9395	39	19	financial	financial	ADJ
easat-9395	39	20	well	well	NOUN
easat-9395	39	21	-	-	PUNCT
easat-9395	39	22	being	being	NOUN
easat-9395	39	23	,	,	PUNCT
easat-9395	39	24	which	which	PRON
easat-9395	39	25	can	can	AUX
easat-9395	39	26	enhance	enhance	VERB
easat-9395	39	27	their	their	PRON
easat-9395	39	28	overall	overall	ADJ
easat-9395	39	29	satisfaction	satisfaction	NOUN
easat-9395	39	30	[	[	X
easat-9395	39	31	14	14	NUM
easat-9395	39	32	,	,	PUNCT
easat-9395	39	33	27	27	NUM
easat-9395	39	34	]	]	PUNCT
easat-9395	39	35	.	.	PUNCT
easat-9395	40	1	furthermore	furthermore	ADV
easat-9395	40	2	,	,	PUNCT
easat-9395	40	3	fb	fb	INTJ
easat-9395	40	4	acts	act	VERB
easat-9395	40	5	as	as	ADP
easat-9395	40	6	an	an	DET
easat-9395	40	7	intermediary	intermediary	NOUN
easat-9395	40	8	linking	link	VERB
easat-9395	40	9	fl	fl	NOUN
easat-9395	40	10	,	,	PUNCT
easat-9395	40	11	risk	risk	NOUN
easat-9395	40	12	tolerance	tolerance	NOUN
easat-9395	40	13	,	,	PUNCT
easat-9395	40	14	and	and	CCONJ
easat-9395	40	15	fs	fs	ADP
easat-9395	40	16	[	[	X
easat-9395	40	17	28	28	NUM
easat-9395	40	18	]	]	PUNCT
easat-9395	40	19	.	.	PUNCT
easat-9395	41	1	budgeting	budget	VERB
easat-9395	41	2	,	,	PUNCT
easat-9395	41	3	spending	spending	NOUN
easat-9395	41	4	control	control	NOUN
easat-9395	41	5	,	,	PUNCT
easat-9395	41	6	and	and	CCONJ
easat-9395	41	7	saving	saving	NOUN
easat-9395	41	8	practices	practice	NOUN
easat-9395	41	9	amplify	amplify	VERB
easat-9395	41	10	the	the	DET
easat-9395	41	11	relationship	relationship	NOUN
easat-9395	41	12	between	between	ADP
easat-9395	41	13	fl	fl	NOUN
easat-9395	41	14	and	and	CCONJ
easat-9395	41	15	risk	risk	VERB
easat-9395	41	16	tolerance	tolerance	NOUN
easat-9395	41	17	towards	towards	ADP
easat-9395	41	18	fs	fs	ADP
easat-9395	42	1	[	[	X
easat-9395	42	2	20	20	NUM
easat-9395	42	3	]	]	PUNCT
easat-9395	42	4	.	.	PUNCT
easat-9395	43	1	without	without	ADP
easat-9395	43	2	well	well	ADV
easat-9395	43	3	financial	financial	ADJ
easat-9395	43	4	behaviors	behavior	NOUN
easat-9395	43	5	,	,	PUNCT
easat-9395	43	6	individuals	individual	NOUN
easat-9395	43	7	with	with	ADP
easat-9395	43	8	high	high	ADJ
easat-9395	43	9	fl	fl	NOUN
easat-9395	43	10	and	and	CCONJ
easat-9395	43	11	risk	risk	NOUN
easat-9395	43	12	tolerance	tolerance	NOUN
easat-9395	43	13	may	may	AUX
easat-9395	43	14	not	not	PART
easat-9395	43	15	achieve	achieve	VERB
easat-9395	43	16	the	the	DET
easat-9395	43	17	optimal	optimal	ADJ
easat-9395	43	18	fs	fs	ADP
easat-9395	44	1	[	[	X
easat-9395	44	2	29	29	NUM
easat-9395	44	3	-	-	SYM
easat-9395	44	4	31	31	NUM
easat-9395	44	5	]	]	PUNCT
easat-9395	44	6	.	.	PUNCT
easat-9395	45	1	prior	prior	ADJ
easat-9395	45	2	research	research	NOUN
easat-9395	45	3	identifies	identify	VERB
easat-9395	45	4	responsible	responsible	ADJ
easat-9395	45	5	fb	fb	NOUN
easat-9395	45	6	as	as	ADP
easat-9395	45	7	a	a	DET
easat-9395	45	8	primary	primary	ADJ
easat-9395	45	9	driver	driver	NOUN
easat-9395	45	10	to	to	PART
easat-9395	45	11	enhance	enhance	VERB
easat-9395	45	12	the	the	DET
easat-9395	45	13	stability	stability	NOUN
easat-9395	45	14	fs	fs	ADP
easat-9395	45	15	,	,	PUNCT
easat-9395	45	16	yet	yet	CCONJ
easat-9395	45	17	the	the	DET
easat-9395	45	18	contributions	contribution	NOUN
easat-9395	45	19	of	of	ADP
easat-9395	45	20	fl	fl	NOUN
easat-9395	45	21	and	and	CCONJ
easat-9395	45	22	frt	frt	NOUN
easat-9395	45	23	are	be	AUX
easat-9395	45	24	equally	equally	ADV
easat-9395	45	25	critical	critical	ADJ
easat-9395	45	26	.	.	PUNCT
easat-9395	46	1	this	this	DET
easat-9395	46	2	research	research	NOUN
easat-9395	46	3	seeks	seek	VERB
easat-9395	46	4	to	to	PART
easat-9395	46	5	fill	fill	VERB
easat-9395	46	6	the	the	DET
easat-9395	46	7	gap	gap	NOUN
easat-9395	46	8	by	by	ADP
easat-9395	46	9	integrating	integrate	VERB
easat-9395	46	10	fl	fl	PROPN
easat-9395	46	11	and	and	CCONJ
easat-9395	46	12	frt	frt	NOUN
easat-9395	46	13	with	with	ADP
easat-9395	46	14	suitable	suitable	ADJ
easat-9395	46	15	fb	fb	NOUN
easat-9395	46	16	to	to	PART
easat-9395	46	17	enhance	enhance	VERB
easat-9395	46	18	fs	fs	PROPN
easat-9395	46	19	.	.	PUNCT
easat-9395	46	20	financial	financial	ADJ
easat-9395	46	21	behavior	behavior	NOUN
easat-9395	46	22	provides	provide	VERB
easat-9395	46	23	a	a	DET
easat-9395	46	24	bridge	bridge	NOUN
easat-9395	46	25	for	for	SCONJ
easat-9395	46	26	individuals	individual	NOUN
easat-9395	46	27	to	to	PART
easat-9395	46	28	leverage	leverage	VERB
easat-9395	46	29	fl	fl	PRON
easat-9395	46	30	effectively	effectively	ADV
easat-9395	46	31	,	,	PUNCT
easat-9395	46	32	while	while	SCONJ
easat-9395	46	33	risk	risk	NOUN
easat-9395	46	34	tolerance	tolerance	NOUN
easat-9395	46	35	determines	determine	VERB
easat-9395	46	36	how	how	SCONJ
easat-9395	46	37	well	well	ADV
easat-9395	46	38	they	they	PRON
easat-9395	46	39	navigate	navigate	VERB
easat-9395	46	40	financial	financial	ADJ
easat-9395	46	41	uncertainties	uncertainty	NOUN
easat-9395	46	42	.	.	PUNCT
easat-9395	47	1	this	this	DET
easat-9395	47	2	study	study	NOUN
easat-9395	47	3	also	also	ADV
easat-9395	47	4	contributes	contribute	VERB
easat-9395	47	5	to	to	ADP
easat-9395	47	6	financial	financial	ADJ
easat-9395	47	7	management	management	NOUN
easat-9395	47	8	literature	literature	NOUN
easat-9395	47	9	by	by	ADP
easat-9395	47	10	positioning	position	VERB
easat-9395	47	11	financial	financial	ADJ
easat-9395	47	12	behavior	behavior	NOUN
easat-9395	47	13	as	as	ADP
easat-9395	47	14	a	a	DET
easat-9395	47	15	mediator	mediator	NOUN
easat-9395	47	16	.	.	PUNCT
easat-9395	48	1	it	it	PRON
easat-9395	48	2	offers	offer	VERB
easat-9395	48	3	insights	insight	NOUN
easat-9395	48	4	into	into	ADP
easat-9395	48	5	how	how	SCONJ
easat-9395	48	6	fl	fl	NUM
easat-9395	48	7	and	and	CCONJ
easat-9395	48	8	frt	frt	PROPN
easat-9395	48	9	influence	influence	NOUN
easat-9395	48	10	fs	f	NOUN
easat-9395	48	11	through	through	ADP
easat-9395	48	12	teachers	teacher	NOUN
easat-9395	48	13	’	'	PUNCT
easat-9395	48	14	fb	fb	INTJ
easat-9395	48	15	.	.	PUNCT
easat-9395	48	16	additionally	additionally	ADV
easat-9395	48	17	,	,	PUNCT
easat-9395	48	18	this	this	DET
easat-9395	48	19	research	research	NOUN
easat-9395	48	20	offers	offer	VERB
easat-9395	48	21	implications	implication	NOUN
easat-9395	48	22	for	for	ADP
easat-9395	48	23	policymakers	policymaker	NOUN
easat-9395	48	24	in	in	ADP
easat-9395	48	25	the	the	DET
easat-9395	48	26	education	education	NOUN
easat-9395	48	27	sector	sector	NOUN
easat-9395	48	28	,	,	PUNCT
easat-9395	48	29	emphasizing	emphasize	VERB
easat-9395	48	30	the	the	DET
easat-9395	48	31	need	need	NOUN
easat-9395	48	32	for	for	ADP
easat-9395	48	33	targeted	target	VERB
easat-9395	48	34	financial	financial	ADJ
easat-9395	48	35	well	well	ADV
easat-9395	48	36	-	-	PUNCT
easat-9395	48	37	being	be	AUX
easat-9395	48	38	programs	program	NOUN
easat-9395	48	39	for	for	ADP
easat-9395	48	40	teachers	teacher	NOUN
easat-9395	48	41	.	.	PUNCT
easat-9395	49	1	2	2	X
easat-9395	49	2	.	.	X
easat-9395	49	3	literature	literature	NOUN
easat-9395	49	4	review	review	VERB
easat-9395	49	5	2.1	2.1	NUM
easat-9395	49	6	.	.	PUNCT
easat-9395	50	1	underpinning	underpin	VERB
easat-9395	50	2	theories	theory	NOUN
easat-9395	50	3	the	the	DET
easat-9395	50	4	argument	argument	NOUN
easat-9395	50	5	between	between	ADP
easat-9395	50	6	traditional	traditional	ADJ
easat-9395	50	7	finance	finance	NOUN
easat-9395	50	8	and	and	CCONJ
easat-9395	50	9	behavioral	behavioral	ADJ
easat-9395	50	10	finance	finance	NOUN
easat-9395	50	11	has	have	AUX
easat-9395	50	12	spurred	spur	VERB
easat-9395	50	13	theoretical	theoretical	ADJ
easat-9395	50	14	developments	development	NOUN
easat-9395	50	15	within	within	ADP
easat-9395	50	16	the	the	DET
easat-9395	50	17	field	field	NOUN
easat-9395	50	18	of	of	ADP
easat-9395	50	19	management	management	NOUN
easat-9395	50	20	,	,	PUNCT
easat-9395	50	21	especially	especially	ADV
easat-9395	50	22	in	in	ADP
easat-9395	50	23	finance	finance	NOUN
easat-9395	50	24	.	.	PUNCT
easat-9395	51	1	the	the	DET
easat-9395	51	2	traditional	traditional	ADJ
easat-9395	51	3	approach	approach	NOUN
easat-9395	51	4	is	be	AUX
easat-9395	51	5	rooted	root	VERB
easat-9395	51	6	in	in	ADP
easat-9395	51	7	rationalism	rationalism	NOUN
easat-9395	51	8	,	,	PUNCT
easat-9395	51	9	assuming	assume	VERB
easat-9395	51	10	that	that	SCONJ
easat-9395	51	11	individuals	individual	NOUN
easat-9395	51	12	can	can	AUX
easat-9395	51	13	evaluate	evaluate	VERB
easat-9395	51	14	future	future	ADJ
easat-9395	51	15	outcomes	outcome	NOUN
easat-9395	51	16	based	base	VERB
easat-9395	51	17	on	on	ADP
easat-9395	51	18	weighted	weight	VERB
easat-9395	51	19	probabilities	probability	NOUN
easat-9395	51	20	and	and	CCONJ
easat-9395	51	21	maximize	maximize	VERB
easat-9395	51	22	their	their	PRON
easat-9395	51	23	utility	utility	NOUN
easat-9395	51	24	[	[	X
easat-9395	51	25	32	32	NUM
easat-9395	51	26	]	]	PUNCT
easat-9395	51	27	.	.	PUNCT
easat-9395	52	1	in	in	ADP
easat-9395	52	2	contrast	contrast	NOUN
easat-9395	52	3	,	,	PUNCT
easat-9395	52	4	the	the	DET
easat-9395	52	5	behavioral	behavioral	ADJ
easat-9395	52	6	approach	approach	NOUN
easat-9395	52	7	posits	posit	NOUN
easat-9395	52	8	that	that	SCONJ
easat-9395	52	9	individuals	individual	NOUN
easat-9395	52	10	are	be	AUX
easat-9395	52	11	not	not	PART
easat-9395	52	12	entirely	entirely	ADV
easat-9395	52	13	rational	rational	ADJ
easat-9395	52	14	,	,	PUNCT
easat-9395	52	15	leading	lead	VERB
easat-9395	52	16	them	they	PRON
easat-9395	52	17	to	to	PART
easat-9395	52	18	occasionally	occasionally	ADV
easat-9395	52	19	make	make	VERB
easat-9395	52	20	irrational	irrational	ADJ
easat-9395	52	21	decisions	decision	NOUN
easat-9395	52	22	[	[	X
easat-9395	52	23	33	33	NUM
easat-9395	52	24	]	]	PUNCT
easat-9395	52	25	.	.	PUNCT
easat-9395	53	1	behavioral	behavioral	ADJ
easat-9395	53	2	finance	finance	NOUN
easat-9395	53	3	,	,	PUNCT
easat-9395	53	4	therefore	therefore	ADV
easat-9395	53	5	,	,	PUNCT
easat-9395	53	6	challenges	challenge	NOUN
easat-9395	53	7	and	and	CCONJ
easat-9395	53	8	expands	expand	VERB
easat-9395	53	9	on	on	ADP
easat-9395	53	10	the	the	DET
easat-9395	53	11	foundational	foundational	ADJ
easat-9395	53	12	view	view	NOUN
easat-9395	53	13	of	of	ADP
easat-9395	53	14	rationality	rationality	NOUN
easat-9395	53	15	in	in	ADP
easat-9395	53	16	decision	decision	NOUN
easat-9395	53	17	-	-	PUNCT
easat-9395	53	18	making	making	NOUN
easat-9395	53	19	.	.	PUNCT
easat-9395	54	1	traditional	traditional	ADJ
easat-9395	54	2	financial	financial	ADJ
easat-9395	54	3	management	management	NOUN
easat-9395	54	4	theories	theory	NOUN
easat-9395	54	5	are	be	AUX
easat-9395	54	6	based	base	VERB
easat-9395	54	7	on	on	ADP
easat-9395	54	8	assumptions	assumption	NOUN
easat-9395	54	9	that	that	SCONJ
easat-9395	54	10	individuals	individual	NOUN
easat-9395	54	11	are	be	AUX
easat-9395	54	12	rational	rational	ADJ
easat-9395	54	13	decision	decision	NOUN
easat-9395	54	14	-	-	PUNCT
easat-9395	54	15	makers	maker	NOUN
easat-9395	54	16	.	.	PUNCT
easat-9395	55	1	however	however	ADV
easat-9395	55	2	,	,	PUNCT
easat-9395	55	3	it	it	PRON
easat-9395	55	4	is	be	AUX
easat-9395	55	5	often	often	ADV
easat-9395	55	6	seen	see	VERB
easat-9395	55	7	as	as	ADP
easat-9395	55	8	unrealistic	unrealistic	ADJ
easat-9395	55	9	,	,	PUNCT
easat-9395	55	10	since	since	SCONJ
easat-9395	55	11	individuals	individual	NOUN
easat-9395	55	12	may	may	AUX
easat-9395	55	13	make	make	VERB
easat-9395	55	14	decisions	decision	NOUN
easat-9395	55	15	under	under	ADP
easat-9395	55	16	irrational	irrational	ADJ
easat-9395	55	17	conditions	condition	NOUN
easat-9395	55	18	[	[	X
easat-9395	55	19	33	33	NUM
easat-9395	55	20	]	]	PUNCT
easat-9395	55	21	.	.	PUNCT
easat-9395	56	1	the	the	DET
easat-9395	56	2	mid-18th	mid-18th	NUM
easat-9395	56	3	century	century	NOUN
easat-9395	56	4	marked	mark	VERB
easat-9395	56	5	the	the	DET
easat-9395	56	6	emergence	emergence	NOUN
easat-9395	56	7	of	of	ADP
easat-9395	56	8	the	the	DET
easat-9395	56	9	traditional	traditional	ADJ
easat-9395	56	10	view	view	NOUN
easat-9395	56	11	,	,	PUNCT
easat-9395	56	12	with	with	ADP
easat-9395	56	13	utility	utility	NOUN
easat-9395	56	14	theory	theory	NOUN
easat-9395	56	15	as	as	ADP
easat-9395	56	16	its	its	PRON
easat-9395	56	17	cornerstone	cornerstone	NOUN
easat-9395	56	18	.	.	PUNCT
easat-9395	57	1	this	this	DET
easat-9395	57	2	theory	theory	NOUN
easat-9395	57	3	suggests	suggest	VERB
easat-9395	57	4	that	that	SCONJ
easat-9395	57	5	utility	utility	NOUN
easat-9395	57	6	serves	serve	VERB
easat-9395	57	7	as	as	ADP
easat-9395	57	8	a	a	DET
easat-9395	57	9	measure	measure	NOUN
easat-9395	57	10	of	of	ADP
easat-9395	57	11	individual	individual	ADJ
easat-9395	57	12	satisfaction	satisfaction	NOUN
easat-9395	57	13	derived	derive	VERB
easat-9395	57	14	from	from	ADP
easat-9395	57	15	consuming	consume	VERB
easat-9395	57	16	goods	good	NOUN
easat-9395	57	17	or	or	CCONJ
easat-9395	57	18	services	service	NOUN
easat-9395	57	19	[	[	X
easat-9395	57	20	21	21	NUM
easat-9395	57	21	]	]	PUNCT
easat-9395	57	22	.	.	PUNCT
easat-9395	58	1	the	the	DET
easat-9395	58	2	concept	concept	NOUN
easat-9395	58	3	of	of	ADP
easat-9395	58	4	"	"	PUNCT
easat-9395	58	5	homo	homo	NOUN
easat-9395	58	6	economicus	economicus	NOUN
easat-9395	58	7	"	"	PUNCT
easat-9395	58	8	—	—	PUNCT
easat-9395	58	9	the	the	DET
easat-9395	58	10	rational	rational	ADJ
easat-9395	58	11	economic	economic	ADJ
easat-9395	58	12	human	human	NOUN
easat-9395	58	13	who	who	PRON
easat-9395	58	14	seeks	seek	VERB
easat-9395	58	15	to	to	PART
easat-9395	58	16	maximize	maximize	VERB
easat-9395	58	17	their	their	PRON
easat-9395	58	18	utility	utility	NOUN
easat-9395	58	19	within	within	ADP
easat-9395	58	20	given	give	VERB
easat-9395	58	21	constraints	constraint	NOUN
easat-9395	58	22	—	—	PUNCT
easat-9395	58	23	is	be	AUX
easat-9395	58	24	a	a	DET
easat-9395	58	25	central	central	ADJ
easat-9395	58	26	part	part	NOUN
easat-9395	58	27	of	of	ADP
easat-9395	58	28	its	its	PRON
easat-9395	58	29	theory	theory	NOUN
easat-9395	58	30	[	[	X
easat-9395	58	31	34	34	NUM
easat-9395	58	32	]	]	PUNCT
easat-9395	58	33	.	.	PUNCT
easat-9395	59	1	utility	utility	NOUN
easat-9395	59	2	theory	theory	NOUN
easat-9395	59	3	in	in	ADP
easat-9395	59	4	fs	f	NOUN
easat-9395	59	5	provides	provide	VERB
easat-9395	59	6	a	a	DET
easat-9395	59	7	framework	framework	NOUN
easat-9395	59	8	for	for	ADP
easat-9395	59	9	understanding	understand	VERB
easat-9395	59	10	how	how	SCONJ
easat-9395	59	11	individuals	individual	NOUN
easat-9395	59	12	evaluate	evaluate	VERB
easat-9395	59	13	and	and	CCONJ
easat-9395	59	14	make	make	VERB
easat-9395	59	15	financial	financial	ADJ
easat-9395	59	16	decisions	decision	NOUN
easat-9395	59	17	[	[	X
easat-9395	59	18	18	18	NUM
easat-9395	59	19	]	]	PUNCT
easat-9395	59	20	.	.	PUNCT
easat-9395	60	1	his	his	PRON
easat-9395	60	2	perspective	perspective	NOUN
easat-9395	60	3	is	be	AUX
easat-9395	60	4	crucial	crucial	ADJ
easat-9395	60	5	for	for	ADP
easat-9395	60	6	designing	design	VERB
easat-9395	60	7	personal	personal	ADJ
easat-9395	60	8	financial	financial	ADJ
easat-9395	60	9	strategies	strategy	NOUN
easat-9395	60	10	that	that	PRON
easat-9395	60	11	align	align	VERB
easat-9395	60	12	with	with	ADP
easat-9395	60	13	individual	individual	ADJ
easat-9395	60	14	preferences	preference	NOUN
easat-9395	60	15	and	and	CCONJ
easat-9395	60	16	risk	risk	NOUN
easat-9395	60	17	tolerance	tolerance	NOUN
easat-9395	60	18	[	[	X
easat-9395	60	19	14	14	NUM
easat-9395	60	20	]	]	SYM
easat-9395	60	21	.	.	PUNCT
easat-9395	61	1	2.2	2.2	NUM
easat-9395	61	2	.	.	PUNCT
easat-9395	61	3	financial	financial	ADJ
easat-9395	61	4	literacy	literacy	NOUN
easat-9395	61	5	,	,	PUNCT
easat-9395	61	6	financial	financial	ADJ
easat-9395	61	7	behavior	behavior	NOUN
easat-9395	61	8	,	,	PUNCT
easat-9395	61	9	and	and	CCONJ
easat-9395	61	10	financial	financial	ADJ
easat-9395	61	11	satisfaction	satisfaction	NOUN
easat-9395	61	12	global	global	ADJ
easat-9395	61	13	financial	financial	ADJ
easat-9395	61	14	markets	market	NOUN
easat-9395	61	15	have	have	AUX
easat-9395	61	16	experienced	experience	VERB
easat-9395	61	17	rapid	rapid	ADJ
easat-9395	61	18	growth	growth	NOUN
easat-9395	61	19	,	,	PUNCT
easat-9395	61	20	providing	provide	VERB
easat-9395	61	21	a	a	DET
easat-9395	61	22	variety	variety	NOUN
easat-9395	61	23	of	of	ADP
easat-9395	61	24	goods	good	NOUN
easat-9395	61	25	and	and	CCONJ
easat-9395	61	26	services	service	NOUN
easat-9395	61	27	that	that	PRON
easat-9395	61	28	are	be	AUX
easat-9395	61	29	affordable	affordable	ADJ
easat-9395	61	30	for	for	ADP
easat-9395	61	31	both	both	CCONJ
easat-9395	61	32	major	major	ADJ
easat-9395	61	33	and	and	CCONJ
easat-9395	61	34	small	small	ADJ
easat-9395	61	35	-	-	PUNCT
easat-9395	61	36	scale	scale	NOUN
easat-9395	61	37	investors	investor	NOUN
easat-9395	61	38	[	[	X
easat-9395	61	39	35	35	NUM
easat-9395	61	40	]	]	PUNCT
easat-9395	61	41	.	.	PUNCT
easat-9395	62	1	this	this	DET
easat-9395	62	2	evolution	evolution	NOUN
easat-9395	62	3	necessitates	necessitate	VERB
easat-9395	62	4	an	an	DET
easat-9395	62	5	individual	individual	NOUN
easat-9395	62	6	's	's	PART
easat-9395	62	7	capacity	capacity	NOUN
easat-9395	62	8	to	to	PART
easat-9395	62	9	perform	perform	VERB
easat-9395	62	10	calculations	calculation	NOUN
easat-9395	62	11	,	,	PUNCT
easat-9395	62	12	including	include	VERB
easat-9395	62	13	complex	complex	ADJ
easat-9395	62	14	analyses	analysis	NOUN
easat-9395	62	15	,	,	PUNCT
easat-9395	62	16	to	to	PART
easat-9395	62	17	support	support	VERB
easat-9395	62	18	sound	sound	ADJ
easat-9395	62	19	financial	financial	ADJ
easat-9395	62	20	decision	decision	NOUN
easat-9395	62	21	-	-	PUNCT
easat-9395	62	22	making	making	NOUN
easat-9395	62	23	related	relate	VERB
easat-9395	62	24	to	to	ADP
easat-9395	62	25	asset	asset	NOUN
easat-9395	62	26	development	development	NOUN
easat-9395	62	27	and	and	CCONJ
easat-9395	62	28	debt	debt	NOUN
easat-9395	62	29	management	management	NOUN
easat-9395	62	30	[	[	X
easat-9395	62	31	18	18	NUM
easat-9395	62	32	,	,	PUNCT
easat-9395	62	33	36	36	NUM
easat-9395	62	34	]	]	PUNCT
easat-9395	62	35	.	.	PUNCT
easat-9395	63	1	654	654	NUM
easat-9395	63	2	edelweiss	edelweiss	PROPN
easat-9395	63	3	applied	apply	VERB
easat-9395	63	4	science	science	NOUN
easat-9395	63	5	and	and	CCONJ
easat-9395	63	6	technology	technology	NOUN
easat-9395	63	7	issn	issn	PROPN
easat-9395	63	8	:	:	PUNCT
easat-9395	63	9	2576	2576	NUM
easat-9395	63	10	-	-	SYM
easat-9395	63	11	8484	8484	NUM
easat-9395	63	12	vol	vol	NOUN
easat-9395	63	13	.	.	PROPN
easat-9395	64	1	9	9	NUM
easat-9395	64	2	,	,	PUNCT
easat-9395	64	3	no	no	INTJ
easat-9395	64	4	.	.	NOUN
easat-9395	64	5	8	8	NUM
easat-9395	64	6	:	:	PUNCT
easat-9395	64	7	652	652	NUM
easat-9395	64	8	-	-	SYM
easat-9395	64	9	665	665	NUM
easat-9395	64	10	,	,	PUNCT
easat-9395	64	11	2025	2025	NUM
easat-9395	64	12	doi	doi	NOUN
easat-9395	64	13	:	:	PUNCT
easat-9395	64	14	10.55214/2576	10.55214/2576	NUM
easat-9395	64	15	-	-	NOUN
easat-9395	64	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	64	17	©	©	PROPN
easat-9395	64	18	2025	2025	NUM
easat-9395	64	19	by	by	ADP
easat-9395	64	20	the	the	DET
easat-9395	64	21	authors	author	NOUN
easat-9395	64	22	;	;	PUNCT
easat-9395	64	23	licensee	licensee	PROPN
easat-9395	64	24	learning	learning	NOUN
easat-9395	64	25	gate	gate	VERB
easat-9395	64	26	a	a	DET
easat-9395	64	27	strong	strong	ADJ
easat-9395	64	28	understanding	understanding	NOUN
easat-9395	64	29	of	of	ADP
easat-9395	64	30	fl	fl	PROPN
easat-9395	64	31	is	be	AUX
easat-9395	64	32	crucial	crucial	ADJ
easat-9395	64	33	for	for	ADP
easat-9395	64	34	individuals	individual	NOUN
easat-9395	64	35	as	as	SCONJ
easat-9395	64	36	it	it	PRON
easat-9395	64	37	can	can	AUX
easat-9395	64	38	significantly	significantly	ADV
easat-9395	64	39	enhance	enhance	VERB
easat-9395	64	40	their	their	PRON
easat-9395	64	41	quality	quality	NOUN
easat-9395	64	42	of	of	ADP
easat-9395	64	43	life	life	NOUN
easat-9395	64	44	[	[	X
easat-9395	64	45	37	37	NUM
easat-9395	64	46	,	,	PUNCT
easat-9395	64	47	38	38	NUM
easat-9395	64	48	]	]	PUNCT
easat-9395	64	49	.	.	PUNCT
easat-9395	65	1	individuals	individual	NOUN
easat-9395	65	2	with	with	ADP
easat-9395	65	3	robust	robust	ADJ
easat-9395	65	4	fl	fl	NOUN
easat-9395	65	5	are	be	AUX
easat-9395	65	6	often	often	ADV
easat-9395	65	7	skilled	skilled	ADJ
easat-9395	65	8	in	in	ADP
easat-9395	65	9	managing	manage	VERB
easat-9395	65	10	their	their	PRON
easat-9395	65	11	finances	finance	NOUN
easat-9395	65	12	,	,	PUNCT
easat-9395	65	13	consistently	consistently	ADV
easat-9395	65	14	staying	stay	VERB
easat-9395	65	15	informed	inform	VERB
easat-9395	65	16	about	about	ADP
easat-9395	65	17	financial	financial	ADJ
easat-9395	65	18	products	product	NOUN
easat-9395	65	19	,	,	PUNCT
easat-9395	65	20	and	and	CCONJ
easat-9395	65	21	efficiently	efficiently	ADV
easat-9395	65	22	handling	handle	VERB
easat-9395	65	23	debt	debt	NOUN
easat-9395	65	24	[	[	X
easat-9395	65	25	37	37	NUM
easat-9395	65	26	,	,	PUNCT
easat-9395	65	27	39	39	NUM
easat-9395	65	28	]	]	PUNCT
easat-9395	65	29	.	.	PUNCT
easat-9395	66	1	a	a	DET
easat-9395	66	2	lack	lack	NOUN
easat-9395	66	3	of	of	ADP
easat-9395	66	4	fl	fl	PRON
easat-9395	66	5	can	can	AUX
easat-9395	66	6	result	result	VERB
easat-9395	66	7	in	in	ADP
easat-9395	66	8	suboptimal	suboptimal	ADJ
easat-9395	66	9	financial	financial	ADJ
easat-9395	66	10	decisions	decision	NOUN
easat-9395	66	11	,	,	PUNCT
easat-9395	66	12	which	which	PRON
easat-9395	66	13	,	,	PUNCT
easat-9395	66	14	when	when	SCONJ
easat-9395	66	15	compounded	compound	VERB
easat-9395	66	16	,	,	PUNCT
easat-9395	66	17	may	may	AUX
easat-9395	66	18	diminish	diminish	VERB
easat-9395	66	19	overall	overall	ADJ
easat-9395	66	20	well	well	ADV
easat-9395	66	21	-	-	PUNCT
easat-9395	66	22	being	being	NOUN
easat-9395	66	23	and	and	CCONJ
easat-9395	66	24	limit	limit	VERB
easat-9395	66	25	an	an	DET
easat-9395	66	26	individual	individual	NOUN
easat-9395	66	27	's	's	PART
easat-9395	66	28	capacity	capacity	NOUN
easat-9395	66	29	to	to	PART
easat-9395	66	30	fulfill	fulfill	VERB
easat-9395	66	31	their	their	PRON
easat-9395	66	32	basic	basic	ADJ
easat-9395	66	33	financial	financial	ADJ
easat-9395	66	34	requirements	requirement	NOUN
easat-9395	66	35	[	[	X
easat-9395	66	36	40	40	NUM
easat-9395	66	37	,	,	PUNCT
easat-9395	66	38	41	41	NUM
easat-9395	66	39	]	]	PUNCT
easat-9395	66	40	.	.	PUNCT
easat-9395	67	1	fl	fl	PROPN
easat-9395	67	2	serves	serve	VERB
easat-9395	67	3	as	as	ADP
easat-9395	67	4	a	a	DET
easat-9395	67	5	skillset	skillset	NOUN
easat-9395	67	6	that	that	PRON
easat-9395	67	7	promotes	promote	VERB
easat-9395	67	8	effective	effective	ADJ
easat-9395	67	9	financial	financial	ADJ
easat-9395	67	10	management	management	NOUN
easat-9395	67	11	practices	practice	NOUN
easat-9395	67	12	[	[	X
easat-9395	67	13	42	42	NUM
easat-9395	67	14	]	]	PUNCT
easat-9395	67	15	such	such	ADJ
easat-9395	67	16	as	as	ADP
easat-9395	67	17	comparing	compare	VERB
easat-9395	67	18	offers	offer	NOUN
easat-9395	67	19	before	before	ADP
easat-9395	67	20	applying	apply	VERB
easat-9395	67	21	for	for	ADP
easat-9395	67	22	credit	credit	NOUN
easat-9395	67	23	cards	card	NOUN
easat-9395	67	24	[	[	X
easat-9395	67	25	43	43	NUM
easat-9395	67	26	]	]	PUNCT
easat-9395	67	27	maintaining	maintain	VERB
easat-9395	67	28	savings	saving	NOUN
easat-9395	67	29	accounts	account	NOUN
easat-9395	67	30	[	[	X
easat-9395	67	31	18	18	NUM
easat-9395	67	32	]	]	PUNCT
easat-9395	67	33	keeping	keep	VERB
easat-9395	67	34	financial	financial	ADJ
easat-9395	67	35	records	record	NOUN
easat-9395	67	36	,	,	PUNCT
easat-9395	67	37	and	and	CCONJ
easat-9395	67	38	preparing	prepare	VERB
easat-9395	67	39	for	for	ADP
easat-9395	67	40	the	the	DET
easat-9395	67	41	future	future	NOUN
easat-9395	67	42	by	by	ADP
easat-9395	67	43	setting	set	VERB
easat-9395	67	44	aside	aside	ADP
easat-9395	67	45	money	money	NOUN
easat-9395	67	46	or	or	CCONJ
easat-9395	67	47	making	make	VERB
easat-9395	67	48	investments	investment	NOUN
easat-9395	67	49	for	for	ADP
easat-9395	67	50	long	long	ADJ
easat-9395	67	51	-	-	PUNCT
easat-9395	67	52	term	term	NOUN
easat-9395	67	53	objectives	objective	NOUN
easat-9395	67	54	like	like	ADP
easat-9395	67	55	house	house	NOUN
easat-9395	67	56	,	,	PUNCT
easat-9395	67	57	education	education	NOUN
easat-9395	67	58	,	,	PUNCT
easat-9395	67	59	or	or	CCONJ
easat-9395	67	60	other	other	ADJ
easat-9395	67	61	life	life	NOUN
easat-9395	67	62	goals	goal	NOUN
easat-9395	67	63	[	[	X
easat-9395	67	64	44	44	NUM
easat-9395	67	65	]	]	PUNCT
easat-9395	67	66	.	.	PUNCT
easat-9395	68	1	additionally	additionally	ADV
easat-9395	68	2	,	,	PUNCT
easat-9395	68	3	fl	fl	PRON
easat-9395	68	4	aids	aid	NOUN
easat-9395	68	5	in	in	ADP
easat-9395	68	6	making	make	VERB
easat-9395	68	7	informed	informed	ADJ
easat-9395	68	8	decisions	decision	NOUN
easat-9395	68	9	about	about	ADP
easat-9395	68	10	income	income	NOUN
easat-9395	68	11	,	,	PUNCT
easat-9395	68	12	savings	saving	NOUN
easat-9395	68	13	,	,	PUNCT
easat-9395	68	14	investments	investment	NOUN
easat-9395	68	15	,	,	PUNCT
easat-9395	68	16	and	and	CCONJ
easat-9395	68	17	debt	debt	NOUN
easat-9395	68	18	management	management	NOUN
easat-9395	69	1	[	[	X
easat-9395	69	2	45	45	NUM
easat-9395	69	3	]	]	PUNCT
easat-9395	69	4	.	.	PUNCT
easat-9395	70	1	according	accord	VERB
easat-9395	70	2	to	to	ADP
easat-9395	70	3	the	the	DET
easat-9395	70	4	pattern	pattern	NOUN
easat-9395	70	5	of	of	ADP
easat-9395	70	6	the	the	DET
easat-9395	70	7	involved	involved	ADJ
easat-9395	70	8	theories	theory	NOUN
easat-9395	70	9	,	,	PUNCT
easat-9395	70	10	the	the	DET
easat-9395	70	11	first	first	ADJ
easat-9395	70	12	hypothesis	hypothesis	NOUN
easat-9395	70	13	is	be	AUX
easat-9395	70	14	written	write	VERB
easat-9395	70	15	as	as	SCONJ
easat-9395	70	16	follows	follow	VERB
easat-9395	70	17	:	:	PUNCT
easat-9395	70	18	h1	h1	NOUN
easat-9395	70	19	:	:	PUNCT
easat-9395	70	20	fl	fl	PRON
easat-9395	70	21	positively	positively	ADV
easat-9395	70	22	affects	affect	VERB
easat-9395	70	23	fs	fs	ADP
easat-9395	70	24	the	the	DET
easat-9395	70	25	application	application	NOUN
easat-9395	70	26	of	of	ADP
easat-9395	70	27	fl	fl	PRON
easat-9395	70	28	in	in	ADP
easat-9395	70	29	the	the	DET
easat-9395	70	30	current	current	ADJ
easat-9395	70	31	era	era	NOUN
easat-9395	70	32	is	be	AUX
easat-9395	70	33	strongly	strongly	ADV
easat-9395	70	34	connected	connect	VERB
easat-9395	70	35	to	to	ADP
easat-9395	70	36	fb	fb	NOUN
easat-9395	70	37	[	[	X
easat-9395	70	38	20	20	NUM
easat-9395	70	39	]	]	PUNCT
easat-9395	70	40	.	.	PUNCT
easat-9395	71	1	furthermore	furthermore	ADV
easat-9395	71	2	,	,	PUNCT
easat-9395	71	3	the	the	DET
easat-9395	71	4	fb	fb	NOUN
easat-9395	71	5	represents	represent	VERB
easat-9395	71	6	the	the	DET
easat-9395	71	7	practical	practical	ADJ
easat-9395	71	8	application	application	NOUN
easat-9395	71	9	of	of	ADP
easat-9395	71	10	fl	fl	PRON
easat-9395	71	11	and	and	CCONJ
easat-9395	71	12	often	often	ADV
easat-9395	71	13	contributes	contribute	VERB
easat-9395	71	14	positively	positively	ADV
easat-9395	71	15	to	to	ADP
easat-9395	71	16	an	an	DET
easat-9395	71	17	individual	individual	NOUN
easat-9395	71	18	’s	’s	PART
easat-9395	71	19	financial	financial	ADJ
easat-9395	71	20	well	well	NOUN
easat-9395	71	21	-	-	PUNCT
easat-9395	71	22	being	be	AUX
easat-9395	71	23	[	[	X
easat-9395	71	24	46	46	NUM
easat-9395	71	25	]	]	PUNCT
easat-9395	71	26	.	.	PUNCT
easat-9395	72	1	when	when	SCONJ
easat-9395	72	2	financial	financial	ADJ
easat-9395	72	3	management	management	NOUN
easat-9395	72	4	practices	practice	NOUN
easat-9395	72	5	are	be	AUX
easat-9395	72	6	combined	combine	VERB
easat-9395	72	7	with	with	ADP
easat-9395	72	8	low	low	ADJ
easat-9395	72	9	fl	fl	PROPN
easat-9395	72	10	and	and	CCONJ
easat-9395	72	11	also	also	ADV
easat-9395	72	12	low	low	ADJ
easat-9395	72	13	decision	decision	NOUN
easat-9395	72	14	-	-	PUNCT
easat-9395	72	15	making	making	NOUN
easat-9395	72	16	is	be	AUX
easat-9395	72	17	more	more	ADV
easat-9395	72	18	likely	likely	ADJ
easat-9395	72	19	,	,	PUNCT
easat-9395	72	20	leading	lead	VERB
easat-9395	72	21	to	to	ADP
easat-9395	72	22	inconsistencies	inconsistency	NOUN
easat-9395	72	23	in	in	ADP
easat-9395	72	24	positive	positive	ADJ
easat-9395	72	25	financial	financial	ADJ
easat-9395	72	26	planning	planning	NOUN
easat-9395	72	27	[	[	X
easat-9395	72	28	43	43	NUM
easat-9395	72	29	,	,	PUNCT
easat-9395	72	30	47	47	NUM
easat-9395	72	31	]	]	PUNCT
easat-9395	72	32	.	.	PUNCT
easat-9395	73	1	it	it	PRON
easat-9395	73	2	is	be	AUX
easat-9395	73	3	expected	expect	VERB
easat-9395	73	4	that	that	SCONJ
easat-9395	73	5	,	,	PUNCT
easat-9395	73	6	with	with	ADP
easat-9395	73	7	formal	formal	ADJ
easat-9395	73	8	education	education	NOUN
easat-9395	73	9	,	,	PUNCT
easat-9395	73	10	economics	economic	NOUN
easat-9395	73	11	and	and	CCONJ
easat-9395	73	12	accounting	accounting	NOUN
easat-9395	73	13	teachers	teacher	NOUN
easat-9395	73	14	will	will	AUX
easat-9395	73	15	demonstrate	demonstrate	VERB
easat-9395	73	16	good	good	ADJ
easat-9395	73	17	fb	fb	INTJ
easat-9395	73	18	,	,	PUNCT
easat-9395	73	19	thereby	thereby	ADV
easat-9395	73	20	avoiding	avoid	VERB
easat-9395	73	21	reliance	reliance	NOUN
easat-9395	73	22	on	on	ADP
easat-9395	73	23	loans	loan	NOUN
easat-9395	73	24	or	or	CCONJ
easat-9395	73	25	engaging	engage	VERB
easat-9395	73	26	in	in	ADP
easat-9395	73	27	excessive	excessive	ADJ
easat-9395	73	28	consumerism	consumerism	NOUN
easat-9395	73	29	.	.	PUNCT
easat-9395	74	1	thus	thus	ADV
easat-9395	74	2	,	,	PUNCT
easat-9395	74	3	the	the	DET
easat-9395	74	4	second	second	ADJ
easat-9395	74	5	and	and	CCONJ
easat-9395	74	6	third	third	ADJ
easat-9395	74	7	hypotheses	hypothesis	NOUN
easat-9395	74	8	are	be	AUX
easat-9395	74	9	depicted	depict	VERB
easat-9395	74	10	as	as	SCONJ
easat-9395	74	11	follows	follow	VERB
easat-9395	74	12	:	:	PUNCT
easat-9395	74	13	h2	h2	NOUN
easat-9395	74	14	:	:	PUNCT
easat-9395	74	15	fl	fl	PROPN
easat-9395	74	16	positively	positively	ADV
easat-9395	74	17	affects	affect	VERB
easat-9395	74	18	fb	fb	INTJ
easat-9395	74	19	.	.	PUNCT
easat-9395	74	20	h3	h3	PROPN
easat-9395	74	21	:	:	PUNCT
easat-9395	74	22	fb	fb	PRON
easat-9395	74	23	positively	positively	ADV
easat-9395	74	24	affects	affect	VERB
easat-9395	74	25	fs	fs	ADP
easat-9395	74	26	.	.	PROPN
easat-9395	74	27	2.3	2.3	NUM
easat-9395	74	28	.	.	PUNCT
easat-9395	75	1	financial	financial	ADJ
easat-9395	75	2	risk	risk	NOUN
easat-9395	75	3	tolerance	tolerance	NOUN
easat-9395	75	4	and	and	CCONJ
easat-9395	75	5	financial	financial	ADJ
easat-9395	75	6	satisfaction	satisfaction	NOUN
easat-9395	75	7	frt	frt	NOUN
easat-9395	75	8	represents	represent	VERB
easat-9395	75	9	the	the	DET
easat-9395	75	10	level	level	NOUN
easat-9395	75	11	of	of	ADP
easat-9395	75	12	the	the	DET
easat-9395	75	13	significant	significant	ADJ
easat-9395	75	14	risk	risk	NOUN
easat-9395	75	15	that	that	SCONJ
easat-9395	75	16	one	one	NOUN
easat-9395	75	17	is	be	AUX
easat-9395	75	18	willing	willing	ADJ
easat-9395	75	19	to	to	PART
easat-9395	75	20	take	take	VERB
easat-9395	75	21	,	,	PUNCT
easat-9395	75	22	thereby	thereby	ADV
easat-9395	75	23	enhancing	enhance	VERB
easat-9395	75	24	behavioral	behavioral	ADJ
easat-9395	75	25	control	control	NOUN
easat-9395	75	26	[	[	X
easat-9395	75	27	48	48	NUM
easat-9395	75	28	]	]	PUNCT
easat-9395	75	29	.	.	PUNCT
easat-9395	76	1	consequently	consequently	ADV
easat-9395	76	2	,	,	PUNCT
easat-9395	76	3	people	people	NOUN
easat-9395	76	4	with	with	ADP
easat-9395	76	5	greater	great	ADJ
easat-9395	76	6	frt	frt	NOUN
easat-9395	76	7	are	be	AUX
easat-9395	76	8	inclined	incline	VERB
easat-9395	76	9	more	more	ADJ
easat-9395	76	10	to	to	PART
easat-9395	76	11	participate	participate	VERB
easat-9395	76	12	in	in	ADP
easat-9395	76	13	higher	high	ADJ
easat-9395	76	14	-	-	PUNCT
easat-9395	76	15	risk	risk	NOUN
easat-9395	76	16	investments	investment	NOUN
easat-9395	76	17	than	than	ADP
easat-9395	76	18	those	those	PRON
easat-9395	76	19	who	who	PRON
easat-9395	76	20	own	own	VERB
easat-9395	76	21	lower	low	ADJ
easat-9395	76	22	frt	frt	NOUN
easat-9395	77	1	[	[	X
easat-9395	77	2	22	22	NUM
easat-9395	77	3	]	]	PUNCT
easat-9395	77	4	.	.	PUNCT
easat-9395	78	1	every	every	DET
easat-9395	78	2	investment	investment	NOUN
easat-9395	78	3	and	and	CCONJ
easat-9395	78	4	job	job	NOUN
easat-9395	78	5	inherently	inherently	ADV
easat-9395	78	6	carries	carry	VERB
easat-9395	78	7	risks	risk	NOUN
easat-9395	78	8	,	,	PUNCT
easat-9395	78	9	and	and	CCONJ
easat-9395	78	10	individuals	individual	NOUN
easat-9395	78	11	respond	respond	VERB
easat-9395	78	12	differently	differently	ADV
easat-9395	78	13	to	to	ADP
easat-9395	78	14	these	these	DET
easat-9395	78	15	risks	risk	NOUN
easat-9395	78	16	.	.	PUNCT
easat-9395	79	1	furthermore	furthermore	ADV
easat-9395	79	2	,	,	PUNCT
easat-9395	79	3	the	the	DET
easat-9395	79	4	frt	frt	NOUN
easat-9395	79	5	that	that	PRON
easat-9395	79	6	people	people	NOUN
easat-9395	79	7	own	own	ADJ
easat-9395	79	8	affects	affect	VERB
easat-9395	79	9	their	their	PRON
easat-9395	79	10	fb	fb	NOUN
easat-9395	79	11	,	,	PUNCT
easat-9395	79	12	as	as	SCONJ
easat-9395	79	13	several	several	ADJ
easat-9395	79	14	studies	study	NOUN
easat-9395	79	15	have	have	AUX
easat-9395	79	16	identified	identify	VERB
easat-9395	79	17	a	a	DET
easat-9395	79	18	strong	strong	ADJ
easat-9395	79	19	relationship	relationship	NOUN
easat-9395	79	20	between	between	ADP
easat-9395	79	21	the	the	DET
easat-9395	79	22	two	two	NUM
easat-9395	79	23	variables	variable	NOUN
easat-9395	79	24	[	[	X
easat-9395	79	25	31	31	NUM
easat-9395	79	26	]	]	PUNCT
easat-9395	79	27	.	.	PUNCT
easat-9395	80	1	thus	thus	ADV
easat-9395	80	2	,	,	PUNCT
easat-9395	80	3	this	this	DET
easat-9395	80	4	frt	frt	NOUN
easat-9395	80	5	plays	play	VERB
easat-9395	80	6	a	a	DET
easat-9395	80	7	crucial	crucial	ADJ
easat-9395	80	8	role	role	NOUN
easat-9395	80	9	in	in	ADP
easat-9395	80	10	shaping	shape	VERB
easat-9395	80	11	saving	saving	NOUN
easat-9395	80	12	habits	habit	NOUN
easat-9395	80	13	for	for	ADP
easat-9395	80	14	their	their	PRON
easat-9395	80	15	own	own	ADJ
easat-9395	80	16	retirement	retirement	NOUN
easat-9395	80	17	[	[	X
easat-9395	80	18	49	49	NUM
easat-9395	80	19	]	]	PUNCT
easat-9395	80	20	.	.	PUNCT
easat-9395	81	1	it	it	PRON
easat-9395	81	2	is	be	AUX
easat-9395	81	3	anticipated	anticipate	VERB
easat-9395	81	4	that	that	SCONJ
easat-9395	81	5	by	by	ADP
easat-9395	81	6	investing	investing	NOUN
easat-9395	81	7	,	,	PUNCT
easat-9395	81	8	individuals	individual	NOUN
easat-9395	81	9	will	will	AUX
easat-9395	81	10	have	have	VERB
easat-9395	81	11	available	available	ADJ
easat-9395	81	12	savings	saving	NOUN
easat-9395	81	13	when	when	SCONJ
easat-9395	81	14	they	they	PRON
easat-9395	81	15	enter	enter	VERB
easat-9395	81	16	retirement	retirement	NOUN
easat-9395	81	17	.	.	PUNCT
easat-9395	82	1	therefore	therefore	ADV
easat-9395	82	2	,	,	PUNCT
easat-9395	82	3	the	the	DET
easat-9395	82	4	fourth	fourth	ADJ
easat-9395	82	5	hypothesis	hypothesis	NOUN
easat-9395	82	6	is	be	AUX
easat-9395	82	7	presented	present	VERB
easat-9395	82	8	as	as	SCONJ
easat-9395	82	9	follows	follow	VERB
easat-9395	82	10	:	:	PUNCT
easat-9395	82	11	h4	h4	NOUN
easat-9395	82	12	:	:	PUNCT
easat-9395	82	13	frt	frt	PROPN
easat-9395	82	14	positively	positively	ADV
easat-9395	82	15	affects	affect	VERB
easat-9395	82	16	fb	fb	INTJ
easat-9395	82	17	frt	frt	PROPN
easat-9395	82	18	denotes	denote	VERB
easat-9395	82	19	an	an	DET
easat-9395	82	20	individual	individual	NOUN
easat-9395	82	21	’s	’s	PART
easat-9395	82	22	comfort	comfort	NOUN
easat-9395	82	23	level	level	NOUN
easat-9395	82	24	in	in	ADP
easat-9395	82	25	facing	face	VERB
easat-9395	82	26	financial	financial	ADJ
easat-9395	82	27	uncertainty	uncertainty	NOUN
easat-9395	82	28	and	and	CCONJ
easat-9395	82	29	fluctuations	fluctuation	NOUN
easat-9395	82	30	in	in	ADP
easat-9395	82	31	investment	investment	NOUN
easat-9395	82	32	values	value	NOUN
easat-9395	82	33	[	[	X
easat-9395	82	34	23	23	NUM
easat-9395	82	35	]	]	PUNCT
easat-9395	82	36	.	.	PUNCT
easat-9395	83	1	it	it	PRON
easat-9395	83	2	plays	play	VERB
easat-9395	83	3	a	a	DET
easat-9395	83	4	role	role	NOUN
easat-9395	83	5	as	as	ADP
easat-9395	83	6	a	a	DET
easat-9395	83	7	factor	factor	NOUN
easat-9395	83	8	influencing	influence	VERB
easat-9395	83	9	individuals	individual	NOUN
easat-9395	83	10	'	'	PART
easat-9395	83	11	perceptions	perception	NOUN
easat-9395	83	12	of	of	ADP
easat-9395	83	13	their	their	PRON
easat-9395	83	14	financial	financial	ADJ
easat-9395	83	15	well	well	NOUN
easat-9395	83	16	-	-	PUNCT
easat-9395	83	17	being	be	AUX
easat-9395	83	18	[	[	X
easat-9395	83	19	12	12	NUM
easat-9395	83	20	]	]	PUNCT
easat-9395	83	21	.	.	PUNCT
easat-9395	84	1	individuals	individual	NOUN
easat-9395	84	2	who	who	PRON
easat-9395	84	3	can	can	AUX
easat-9395	84	4	manage	manage	VERB
easat-9395	84	5	the	the	DET
easat-9395	84	6	risk	risk	NOUN
easat-9395	84	7	is	be	AUX
easat-9395	84	8	effectively	effectively	ADV
easat-9395	84	9	to	to	PART
easat-9395	84	10	be	be	AUX
easat-9395	84	11	more	more	ADV
easat-9395	84	12	satisfied	satisfied	ADJ
easat-9395	84	13	with	with	ADP
easat-9395	84	14	the	the	DET
easat-9395	84	15	financial	financial	ADJ
easat-9395	84	16	decisions	decision	NOUN
easat-9395	84	17	they	they	PRON
easat-9395	84	18	made	make	VERB
easat-9395	84	19	since	since	SCONJ
easat-9395	84	20	they	they	PRON
easat-9395	84	21	are	be	AUX
easat-9395	84	22	more	more	ADV
easat-9395	84	23	well	well	ADV
easat-9395	84	24	-	-	PUNCT
easat-9395	84	25	prepared	prepared	ADJ
easat-9395	84	26	to	to	PART
easat-9395	84	27	face	face	VERB
easat-9395	84	28	potential	potential	ADJ
easat-9395	84	29	short	short	ADJ
easat-9395	84	30	-	-	PUNCT
easat-9395	84	31	term	term	NOUN
easat-9395	84	32	losses	loss	NOUN
easat-9395	84	33	in	in	ADP
easat-9395	84	34	pursuit	pursuit	NOUN
easat-9395	84	35	of	of	ADP
easat-9395	84	36	long	long	ADJ
easat-9395	84	37	-	-	PUNCT
easat-9395	84	38	term	term	NOUN
easat-9395	84	39	gains	gain	NOUN
easat-9395	84	40	[	[	X
easat-9395	84	41	20	20	NUM
easat-9395	84	42	,	,	PUNCT
easat-9395	84	43	23	23	NUM
easat-9395	84	44	]	]	PUNCT
easat-9395	84	45	.	.	PUNCT
easat-9395	85	1	h5	h5	PROPN
easat-9395	85	2	:	:	PUNCT
easat-9395	85	3	frt	frt	PROPN
easat-9395	85	4	positively	positively	ADV
easat-9395	85	5	affects	affect	VERB
easat-9395	85	6	fs	fs	ADP
easat-9395	85	7	2.4	2.4	NUM
easat-9395	85	8	.	.	PUNCT
easat-9395	86	1	financial	financial	ADJ
easat-9395	86	2	behavior	behavior	NOUN
easat-9395	86	3	as	as	ADP
easat-9395	86	4	a	a	DET
easat-9395	86	5	mediator	mediator	NOUN
easat-9395	87	1	fb	fb	NOUN
easat-9395	87	2	encompasses	encompass	VERB
easat-9395	87	3	the	the	DET
easat-9395	87	4	actions	action	NOUN
easat-9395	87	5	or	or	CCONJ
easat-9395	87	6	habits	habit	NOUN
easat-9395	87	7	exhibited	exhibit	VERB
easat-9395	87	8	by	by	ADP
easat-9395	87	9	individuals	individual	NOUN
easat-9395	87	10	in	in	ADP
easat-9395	87	11	managing	manage	VERB
easat-9395	87	12	their	their	PRON
easat-9395	87	13	financial	financial	ADJ
easat-9395	87	14	resources	resource	NOUN
easat-9395	87	15	,	,	PUNCT
easat-9395	87	16	such	such	ADJ
easat-9395	87	17	as	as	ADP
easat-9395	87	18	saving	saving	NOUN
easat-9395	87	19	,	,	PUNCT
easat-9395	87	20	investing	investing	NOUN
easat-9395	87	21	,	,	PUNCT
easat-9395	87	22	managing	manage	VERB
easat-9395	87	23	debt	debt	NOUN
easat-9395	87	24	,	,	PUNCT
easat-9395	87	25	and	and	CCONJ
easat-9395	87	26	budgeting	budget	VERB
easat-9395	88	1	[	[	X
easat-9395	88	2	20	20	NUM
easat-9395	88	3	]	]	PUNCT
easat-9395	88	4	.	.	PUNCT
easat-9395	89	1	higher	high	ADJ
easat-9395	89	2	fl	fl	PROPN
easat-9395	89	3	typically	typically	ADV
easat-9395	89	4	leads	lead	VERB
easat-9395	89	5	to	to	ADP
easat-9395	89	6	prudent	prudent	ADJ
easat-9395	89	7	fb	fb	NOUN
easat-9395	89	8	,	,	PUNCT
easat-9395	89	9	leading	lead	VERB
easat-9395	89	10	to	to	ADP
easat-9395	89	11	increased	increase	VERB
easat-9395	89	12	satifaction	satifaction	NOUN
easat-9395	89	13	with	with	ADP
easat-9395	89	14	one	one	NUM
easat-9395	89	15	's	's	PART
easat-9395	89	16	financial	financial	ADJ
easat-9395	89	17	situation	situation	NOUN
easat-9395	89	18	[	[	X
easat-9395	89	19	50	50	NUM
easat-9395	89	20	]	]	PUNCT
easat-9395	89	21	.	.	PUNCT
easat-9395	90	1	futhermore	futhermore	NOUN
easat-9395	90	2	,	,	PUNCT
easat-9395	90	3	fl	fl	PROPN
easat-9395	90	4	gives	give	VERB
easat-9395	90	5	a	a	DET
easat-9395	90	6	fundamental	fundamental	ADJ
easat-9395	90	7	information	information	NOUN
easat-9395	90	8	and	and	CCONJ
easat-9395	90	9	lead	lead	VERB
easat-9395	90	10	to	to	ADP
easat-9395	90	11	the	the	DET
easat-9395	90	12	comprehension	comprehension	NOUN
easat-9395	90	13	skill	skill	NOUN
easat-9395	90	14	they	they	PRON
easat-9395	90	15	need	need	VERB
easat-9395	90	16	to	to	PART
easat-9395	90	17	make	make	VERB
easat-9395	90	18	wiser	wise	ADJ
easat-9395	90	19	financial	financial	ADJ
easat-9395	90	20	decisions	decision	NOUN
easat-9395	90	21	farida	farida	PROPN
easat-9395	90	22	,	,	PUNCT
easat-9395	90	23	et	et	PROPN
easat-9395	90	24	al	al	PROPN
easat-9395	90	25	.	.	PUNCT
easat-9395	91	1	[	[	X
easat-9395	91	2	51	51	NUM
easat-9395	91	3	]	]	PUNCT
easat-9395	91	4	.	.	PUNCT
easat-9395	92	1	even	even	ADV
easat-9395	92	2	,	,	PUNCT
easat-9395	92	3	joo	joo	PROPN
easat-9395	92	4	and	and	CCONJ
easat-9395	92	5	grable	grable	ADJ
easat-9395	92	6	[	[	X
easat-9395	92	7	14	14	NUM
easat-9395	92	8	]	]	PUNCT
easat-9395	92	9	stated	state	VERB
easat-9395	92	10	that	that	SCONJ
easat-9395	92	11	determining	determine	VERB
easat-9395	92	12	the	the	DET
easat-9395	92	13	degree	degree	NOUN
easat-9395	92	14	to	to	PART
easat-9395	92	15	which	which	PRON
easat-9395	92	16	fl	fl	PROPN
easat-9395	92	17	influences	influence	VERB
easat-9395	92	18	a	a	DET
easat-9395	92	19	person	person	NOUN
easat-9395	92	20	's	's	PART
easat-9395	92	21	fs	fs	NOUN
easat-9395	92	22	requires	require	VERB
easat-9395	92	23	both	both	DET
easat-9395	92	24	a	a	DET
easat-9395	92	25	solid	solid	ADJ
easat-9395	92	26	foundation	foundation	NOUN
easat-9395	92	27	in	in	ADP
easat-9395	92	28	fl	fl	PROPN
easat-9395	92	29	and	and	CCONJ
easat-9395	92	30	sound	sound	VERB
easat-9395	92	31	financial	financial	ADJ
easat-9395	92	32	conduct	conduct	NOUN
easat-9395	92	33	.	.	PUNCT
easat-9395	93	1	thus	thus	ADV
easat-9395	93	2	,	,	PUNCT
easat-9395	93	3	the	the	DET
easat-9395	93	4	sixth	sixth	ADJ
easat-9395	93	5	hypothesis	hypothesis	NOUN
easat-9395	93	6	is	be	AUX
easat-9395	93	7	presented	present	VERB
easat-9395	93	8	as	as	SCONJ
easat-9395	93	9	follows	follow	VERB
easat-9395	93	10	:	:	PUNCT
easat-9395	93	11	h6	h6	NOUN
easat-9395	93	12	:	:	PUNCT
easat-9395	93	13	fb	fb	PROPN
easat-9395	93	14	mediates	mediate	VERB
easat-9395	93	15	the	the	DET
easat-9395	93	16	relationship	relationship	NOUN
easat-9395	93	17	between	between	ADP
easat-9395	93	18	fl	fl	PROPN
easat-9395	93	19	and	and	CCONJ
easat-9395	93	20	fs	fs	ADP
easat-9395	93	21	individuals	individual	NOUN
easat-9395	93	22	with	with	ADP
easat-9395	93	23	a	a	DET
easat-9395	93	24	high	high	ADJ
easat-9395	93	25	tolerance	tolerance	NOUN
easat-9395	93	26	for	for	ADP
easat-9395	93	27	risk	risk	NOUN
easat-9395	93	28	are	be	AUX
easat-9395	93	29	more	more	ADV
easat-9395	93	30	likely	likely	ADJ
easat-9395	93	31	to	to	PART
easat-9395	93	32	make	make	VERB
easat-9395	93	33	daring	dare	VERB
easat-9395	93	34	financial	financial	ADJ
easat-9395	93	35	decisions	decision	NOUN
easat-9395	93	36	,	,	PUNCT
easat-9395	93	37	such	such	ADJ
easat-9395	93	38	as	as	ADP
easat-9395	93	39	investing	invest	VERB
easat-9395	93	40	in	in	ADP
easat-9395	93	41	high	high	ADJ
easat-9395	93	42	-	-	PUNCT
easat-9395	93	43	risk	risk	NOUN
easat-9395	93	44	assets	asset	NOUN
easat-9395	93	45	or	or	CCONJ
easat-9395	93	46	exploring	explore	VERB
easat-9395	93	47	business	business	NOUN
easat-9395	93	48	ventures	venture	NOUN
easat-9395	93	49	with	with	ADP
easat-9395	93	50	higher	high	ADJ
easat-9395	93	51	profit	profit	NOUN
easat-9395	93	52	potential	potential	NOUN
easat-9395	93	53	.	.	PUNCT
easat-9395	94	1	in	in	ADP
easat-9395	94	2	contrast	contrast	NOUN
easat-9395	94	3	,	,	PUNCT
easat-9395	94	4	655	655	NUM
easat-9395	94	5	edelweiss	edelweiss	PROPN
easat-9395	94	6	applied	apply	VERB
easat-9395	94	7	science	science	NOUN
easat-9395	94	8	and	and	CCONJ
easat-9395	94	9	technology	technology	NOUN
easat-9395	94	10	issn	issn	PROPN
easat-9395	94	11	:	:	PUNCT
easat-9395	94	12	2576	2576	NUM
easat-9395	94	13	-	-	SYM
easat-9395	94	14	8484	8484	NUM
easat-9395	94	15	vol	vol	NOUN
easat-9395	94	16	.	.	PROPN
easat-9395	95	1	9	9	NUM
easat-9395	95	2	,	,	PUNCT
easat-9395	95	3	no	no	INTJ
easat-9395	95	4	.	.	NOUN
easat-9395	95	5	8	8	NUM
easat-9395	95	6	:	:	PUNCT
easat-9395	95	7	652	652	NUM
easat-9395	95	8	-	-	SYM
easat-9395	95	9	665	665	NUM
easat-9395	95	10	,	,	PUNCT
easat-9395	95	11	2025	2025	NUM
easat-9395	95	12	doi	doi	NOUN
easat-9395	95	13	:	:	PUNCT
easat-9395	95	14	10.55214/2576	10.55214/2576	NUM
easat-9395	95	15	-	-	NOUN
easat-9395	95	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	95	17	©	©	PROPN
easat-9395	95	18	2025	2025	NUM
easat-9395	95	19	by	by	ADP
easat-9395	95	20	the	the	DET
easat-9395	95	21	authors	author	NOUN
easat-9395	95	22	;	;	PUNCT
easat-9395	95	23	licensee	licensee	PROPN
easat-9395	95	24	learning	learning	NOUN
easat-9395	95	25	gate	gate	VERB
easat-9395	95	26	those	those	PRON
easat-9395	95	27	with	with	ADP
easat-9395	95	28	a	a	DET
easat-9395	95	29	low	low	ADJ
easat-9395	95	30	tolerance	tolerance	NOUN
easat-9395	95	31	for	for	ADP
easat-9395	95	32	risk	risk	NOUN
easat-9395	95	33	typically	typically	ADV
easat-9395	95	34	approach	approach	VERB
easat-9395	95	35	financial	financial	ADJ
easat-9395	95	36	management	management	NOUN
easat-9395	95	37	more	more	ADV
easat-9395	95	38	conservatively	conservatively	ADV
easat-9395	95	39	,	,	PUNCT
easat-9395	95	40	preferring	prefer	VERB
easat-9395	95	41	safer	safe	ADJ
easat-9395	95	42	options	option	NOUN
easat-9395	95	43	,	,	PUNCT
easat-9395	95	44	such	such	ADJ
easat-9395	95	45	as	as	ADP
easat-9395	95	46	keeping	keep	VERB
easat-9395	95	47	savings	saving	NOUN
easat-9395	95	48	in	in	ADP
easat-9395	95	49	bank	bank	NOUN
easat-9395	95	50	accounts	account	NOUN
easat-9395	95	51	or	or	CCONJ
easat-9395	95	52	steering	steer	VERB
easat-9395	95	53	clear	clear	ADJ
easat-9395	95	54	of	of	ADP
easat-9395	95	55	debt	debt	NOUN
easat-9395	95	56	[	[	X
easat-9395	95	57	14	14	NUM
easat-9395	95	58	]	]	PUNCT
easat-9395	95	59	.	.	PUNCT
easat-9395	96	1	in	in	ADP
easat-9395	96	2	this	this	DET
easat-9395	96	3	point	point	NOUN
easat-9395	96	4	,	,	PUNCT
easat-9395	96	5	the	the	DET
easat-9395	96	6	relationship	relationship	NOUN
easat-9395	96	7	between	between	ADP
easat-9395	96	8	frt	frt	NOUN
easat-9395	96	9	and	and	CCONJ
easat-9395	96	10	financial	financial	ADJ
easat-9395	96	11	pleasure	pleasure	NOUN
easat-9395	96	12	is	be	AUX
easat-9395	96	13	mediated	mediate	VERB
easat-9395	96	14	by	by	ADP
easat-9395	96	15	financial	financial	ADJ
easat-9395	96	16	conduct	conduct	NOUN
easat-9395	96	17	.	.	PUNCT
easat-9395	97	1	individuals	individual	NOUN
easat-9395	97	2	with	with	ADP
easat-9395	97	3	high	high	ADJ
easat-9395	97	4	-	-	PUNCT
easat-9395	97	5	risk	risk	NOUN
easat-9395	97	6	tolerance	tolerance	NOUN
easat-9395	97	7	can	can	AUX
easat-9395	97	8	achieve	achieve	VERB
easat-9395	97	9	fs	fs	ADP
easat-9395	97	10	if	if	SCONJ
easat-9395	97	11	their	their	PRON
easat-9395	97	12	fb	fb	NOUN
easat-9395	97	13	is	be	AUX
easat-9395	97	14	directed	direct	VERB
easat-9395	97	15	,	,	PUNCT
easat-9395	97	16	for	for	ADP
easat-9395	97	17	instance	instance	NOUN
easat-9395	97	18	,	,	PUNCT
easat-9395	97	19	through	through	ADP
easat-9395	97	20	wise	wise	ADJ
easat-9395	97	21	investments	investment	NOUN
easat-9395	97	22	and	and	CCONJ
easat-9395	97	23	disciplined	discipline	VERB
easat-9395	97	24	financial	financial	ADJ
easat-9395	97	25	planning	planning	NOUN
easat-9395	98	1	[	[	X
easat-9395	98	2	31	31	NUM
easat-9395	98	3	]	]	PUNCT
easat-9395	98	4	.	.	PUNCT
easat-9395	99	1	conversely	conversely	ADV
easat-9395	99	2	,	,	PUNCT
easat-9395	99	3	individuals	individual	NOUN
easat-9395	99	4	with	with	ADP
easat-9395	99	5	low	low	ADJ
easat-9395	99	6	-	-	PUNCT
easat-9395	99	7	risk	risk	NOUN
easat-9395	99	8	tolerance	tolerance	NOUN
easat-9395	99	9	may	may	AUX
easat-9395	99	10	attain	attain	VERB
easat-9395	99	11	fs	fs	ADP
easat-9395	99	12	through	through	ADP
easat-9395	99	13	conservative	conservative	ADJ
easat-9395	99	14	fb	fb	NOUN
easat-9395	99	15	,	,	PUNCT
easat-9395	99	16	providing	provide	VERB
easat-9395	99	17	a	a	DET
easat-9395	99	18	sense	sense	NOUN
easat-9395	99	19	of	of	ADP
easat-9395	99	20	security	security	NOUN
easat-9395	99	21	and	and	CCONJ
easat-9395	99	22	stability	stability	NOUN
easat-9395	99	23	.	.	PUNCT
easat-9395	100	1	therefore	therefore	ADV
easat-9395	100	2	,	,	PUNCT
easat-9395	100	3	fb	fb	INTJ
easat-9395	100	4	that	that	PRON
easat-9395	100	5	aligns	align	VERB
easat-9395	100	6	with	with	ADP
easat-9395	100	7	one	one	NUM
easat-9395	100	8	’s	’s	PART
easat-9395	100	9	risk	risk	NOUN
easat-9395	100	10	tolerance	tolerance	NOUN
easat-9395	100	11	contributes	contribute	VERB
easat-9395	100	12	to	to	ADP
easat-9395	100	13	the	the	DET
easat-9395	100	14	significant	significant	ADJ
easat-9395	100	15	role	role	NOUN
easat-9395	100	16	in	in	ADP
easat-9395	100	17	determining	determine	VERB
easat-9395	100	18	how	how	SCONJ
easat-9395	100	19	satisfied	satisfied	ADJ
easat-9395	100	20	a	a	DET
easat-9395	100	21	person	person	NOUN
easat-9395	100	22	feels	feel	VERB
easat-9395	100	23	with	with	ADP
easat-9395	100	24	their	their	PRON
easat-9395	100	25	financial	financial	ADJ
easat-9395	100	26	situation	situation	NOUN
easat-9395	101	1	[	[	X
easat-9395	101	2	49	49	NUM
easat-9395	101	3	]	]	PUNCT
easat-9395	101	4	.	.	PUNCT
easat-9395	102	1	thus	thus	ADV
easat-9395	102	2	,	,	PUNCT
easat-9395	102	3	the	the	DET
easat-9395	102	4	seventh	seventh	ADJ
easat-9395	102	5	hypothesis	hypothesis	NOUN
easat-9395	102	6	is	be	AUX
easat-9395	102	7	presented	present	VERB
easat-9395	102	8	as	as	SCONJ
easat-9395	102	9	follows	follow	VERB
easat-9395	102	10	:	:	PUNCT
easat-9395	102	11	h7	h7	NOUN
easat-9395	102	12	:	:	PUNCT
easat-9395	102	13	fb	fb	NOUN
easat-9395	102	14	mediates	mediate	VERB
easat-9395	102	15	the	the	DET
easat-9395	102	16	relationship	relationship	NOUN
easat-9395	102	17	between	between	ADP
easat-9395	102	18	frt	frt	NOUN
easat-9395	102	19	and	and	CCONJ
easat-9395	102	20	fs	fs	ADP
easat-9395	102	21	2.5	2.5	NUM
easat-9395	102	22	.	.	PUNCT
easat-9395	103	1	conceptual	conceptual	ADJ
easat-9395	103	2	framework	framework	NOUN
easat-9395	103	3	the	the	DET
easat-9395	103	4	selection	selection	NOUN
easat-9395	103	5	of	of	ADP
easat-9395	103	6	variables	variable	NOUN
easat-9395	103	7	in	in	ADP
easat-9395	103	8	this	this	DET
easat-9395	103	9	research	research	NOUN
easat-9395	103	10	is	be	AUX
easat-9395	103	11	driven	drive	VERB
easat-9395	103	12	by	by	ADP
easat-9395	103	13	the	the	DET
easat-9395	103	14	factors	factor	NOUN
easat-9395	103	15	that	that	PRON
easat-9395	103	16	affect	affect	VERB
easat-9395	103	17	the	the	DET
easat-9395	103	18	fs	fs	PROPN
easat-9395	103	19	of	of	ADP
easat-9395	103	20	economics	economic	NOUN
easat-9395	103	21	teachers	teacher	NOUN
easat-9395	103	22	.	.	PUNCT
easat-9395	104	1	through	through	ADP
easat-9395	104	2	the	the	DET
easat-9395	104	3	educator	educator	NOUN
easat-9395	104	4	certification	certification	NOUN
easat-9395	104	5	program	program	NOUN
easat-9395	104	6	implemented	implement	VERB
easat-9395	104	7	by	by	ADP
easat-9395	104	8	the	the	DET
easat-9395	104	9	government	government	NOUN
easat-9395	104	10	,	,	PUNCT
easat-9395	104	11	one	one	NUM
easat-9395	104	12	of	of	ADP
easat-9395	104	13	its	its	PRON
easat-9395	104	14	objectives	objective	NOUN
easat-9395	104	15	is	be	AUX
easat-9395	104	16	to	to	PART
easat-9395	104	17	enhance	enhance	VERB
easat-9395	104	18	teachers	teacher	NOUN
easat-9395	104	19	'	'	PART
easat-9395	104	20	welfare	welfare	NOUN
easat-9395	104	21	.	.	PUNCT
easat-9395	105	1	therefore	therefore	ADV
easat-9395	105	2	,	,	PUNCT
easat-9395	105	3	this	this	DET
easat-9395	105	4	research	research	NOUN
easat-9395	105	5	aims	aim	VERB
easat-9395	105	6	to	to	PART
easat-9395	105	7	identify	identify	VERB
easat-9395	105	8	the	the	DET
easat-9395	105	9	factors	factor	NOUN
easat-9395	105	10	affecting	affect	VERB
easat-9395	105	11	fs	f	NOUN
easat-9395	105	12	,	,	PUNCT
easat-9395	105	13	mediated	mediate	VERB
easat-9395	105	14	by	by	ADP
easat-9395	105	15	the	the	DET
easat-9395	105	16	fb	fb	NOUN
easat-9395	105	17	of	of	ADP
easat-9395	105	18	teachers	teacher	NOUN
easat-9395	105	19	.	.	PUNCT
easat-9395	106	1	several	several	ADJ
easat-9395	106	2	hypotheses	hypothesis	NOUN
easat-9395	106	3	can	can	AUX
easat-9395	106	4	be	be	AUX
easat-9395	106	5	presented	present	VERB
easat-9395	106	6	based	base	VERB
easat-9395	106	7	on	on	ADP
easat-9395	106	8	the	the	DET
easat-9395	106	9	literature	literature	NOUN
easat-9395	106	10	reviews	review	NOUN
easat-9395	106	11	.	.	PUNCT
easat-9395	107	1	figure	figure	VERB
easat-9395	107	2	1	1	NUM
easat-9395	107	3	depicts	depict	VERB
easat-9395	107	4	the	the	DET
easat-9395	107	5	research	research	NOUN
easat-9395	107	6	's	's	PART
easat-9395	107	7	conceptual	conceptual	ADJ
easat-9395	107	8	framework	framework	NOUN
easat-9395	107	9	,	,	PUNCT
easat-9395	107	10	showcasing	showcase	VERB
easat-9395	107	11	the	the	DET
easat-9395	107	12	connections	connection	NOUN
easat-9395	107	13	between	between	ADP
easat-9395	107	14	the	the	DET
easat-9395	107	15	independent	independent	ADJ
easat-9395	107	16	,	,	PUNCT
easat-9395	107	17	dependent	dependent	ADJ
easat-9395	107	18	,	,	PUNCT
easat-9395	107	19	and	and	CCONJ
easat-9395	107	20	mediating	mediate	VERB
easat-9395	107	21	variables	variable	NOUN
easat-9395	107	22	being	be	AUX
easat-9395	107	23	studied	study	VERB
easat-9395	107	24	.	.	PUNCT
easat-9395	108	1	fl	fl	PROPN
easat-9395	108	2	and	and	CCONJ
easat-9395	108	3	frt	frt	PROPN
easat-9395	108	4	serve	serve	VERB
easat-9395	108	5	as	as	ADP
easat-9395	108	6	the	the	DET
easat-9395	108	7	independent	independent	ADJ
easat-9395	108	8	variables	variable	NOUN
easat-9395	108	9	,	,	PUNCT
easat-9395	108	10	fb	fb	INTJ
easat-9395	108	11	acts	act	VERB
easat-9395	108	12	as	as	ADP
easat-9395	108	13	the	the	DET
easat-9395	108	14	mediating	mediate	VERB
easat-9395	108	15	variable	variable	NOUN
easat-9395	108	16	,	,	PUNCT
easat-9395	108	17	and	and	CCONJ
easat-9395	108	18	fs	fs	PROPN
easat-9395	108	19	is	be	AUX
easat-9395	108	20	the	the	DET
easat-9395	108	21	dependent	dependent	ADJ
easat-9395	108	22	variable	variable	NOUN
easat-9395	108	23	.	.	PUNCT
easat-9395	109	1	as	as	ADP
easat-9395	109	2	the	the	DET
easat-9395	109	3	information	information	NOUN
easat-9395	109	4	,	,	PUNCT
easat-9395	109	5	the	the	DET
easat-9395	109	6	solid	solid	ADJ
easat-9395	109	7	black	black	ADJ
easat-9395	109	8	arrows	arrow	NOUN
easat-9395	109	9	in	in	ADP
easat-9395	109	10	figure	figure	NOUN
easat-9395	109	11	1	1	NUM
easat-9395	109	12	indicate	indicate	VERB
easat-9395	109	13	direct	direct	ADJ
easat-9395	109	14	impacts	impact	NOUN
easat-9395	109	15	,	,	PUNCT
easat-9395	109	16	while	while	SCONJ
easat-9395	109	17	the	the	DET
easat-9395	109	18	dashed	dash	VERB
easat-9395	109	19	arrows	arrow	NOUN
easat-9395	109	20	represent	represent	VERB
easat-9395	109	21	indirect	indirect	ADJ
easat-9395	109	22	effects	effect	NOUN
easat-9395	109	23	.	.	PUNCT
easat-9395	110	1	figure	figure	NOUN
easat-9395	110	2	1	1	NUM
easat-9395	110	3	.	.	PUNCT
easat-9395	110	4	conceptual	conceptual	ADJ
easat-9395	110	5	framework	framework	NOUN
easat-9395	110	6	.	.	PUNCT
easat-9395	111	1	3	3	X
easat-9395	111	2	.	.	X
easat-9395	111	3	methodology	methodology	NOUN
easat-9395	111	4	3.1	3.1	NUM
easat-9395	111	5	.	.	PUNCT
easat-9395	112	1	design	design	VERB
easat-9395	112	2	this	this	DET
easat-9395	112	3	research	research	NOUN
easat-9395	112	4	serves	serve	VERB
easat-9395	112	5	as	as	ADP
easat-9395	112	6	a	a	DET
easat-9395	112	7	preliminary	preliminary	ADJ
easat-9395	112	8	exploration	exploration	NOUN
easat-9395	112	9	into	into	ADP
easat-9395	112	10	the	the	DET
easat-9395	112	11	mediating	mediate	VERB
easat-9395	112	12	role	role	NOUN
easat-9395	112	13	of	of	ADP
easat-9395	112	14	fb	fb	INTJ
easat-9395	112	15	in	in	ADP
easat-9395	112	16	shaping	shape	VERB
easat-9395	112	17	fs	f	NOUN
easat-9395	112	18	.	.	PROPN
easat-9395	113	1	specifically	specifically	ADV
easat-9395	113	2	,	,	PUNCT
easat-9395	113	3	the	the	DET
easat-9395	113	4	study	study	NOUN
easat-9395	113	5	seeks	seek	VERB
easat-9395	113	6	to	to	PART
easat-9395	113	7	validate	validate	VERB
easat-9395	113	8	the	the	DET
easat-9395	113	9	direct	direct	ADJ
easat-9395	113	10	effects	effect	NOUN
easat-9395	113	11	of	of	ADP
easat-9395	113	12	fl	fl	NOUN
easat-9395	113	13	and	and	CCONJ
easat-9395	113	14	frt	frt	NOUN
easat-9395	113	15	on	on	ADP
easat-9395	113	16	fs	fs	ADP
easat-9395	113	17	,	,	PUNCT
easat-9395	113	18	as	as	ADV
easat-9395	113	19	well	well	ADV
easat-9395	113	20	as	as	ADP
easat-9395	113	21	their	their	PRON
easat-9395	113	22	indirect	indirect	ADJ
easat-9395	113	23	effects	effect	NOUN
easat-9395	113	24	through	through	ADP
easat-9395	113	25	fb	fb	INTJ
easat-9395	113	26	as	as	ADP
easat-9395	113	27	a	a	DET
easat-9395	113	28	mediator	mediator	NOUN
easat-9395	113	29	.	.	PUNCT
easat-9395	114	1	employing	employ	VERB
easat-9395	114	2	a	a	DET
easat-9395	114	3	cross	cross	ADJ
easat-9395	114	4	-	-	ADJ
easat-9395	114	5	sectional	sectional	ADJ
easat-9395	114	6	research	research	NOUN
easat-9395	114	7	design	design	NOUN
easat-9395	114	8	,	,	PUNCT
easat-9395	114	9	the	the	DET
easat-9395	114	10	data	datum	NOUN
easat-9395	114	11	was	be	AUX
easat-9395	114	12	gathered	gather	VERB
easat-9395	114	13	using	use	VERB
easat-9395	114	14	a	a	DET
easat-9395	114	15	quantitative	quantitative	ADJ
easat-9395	114	16	approach	approach	NOUN
easat-9395	114	17	.	.	PUNCT
easat-9395	115	1	the	the	DET
easat-9395	115	2	analysis	analysis	NOUN
easat-9395	115	3	was	be	AUX
easat-9395	115	4	conducted	conduct	VERB
easat-9395	115	5	using	use	VERB
easat-9395	115	6	partial	partial	ADJ
easat-9395	115	7	least	least	ADJ
easat-9395	115	8	squares	square	NOUN
easat-9395	115	9	structural	structural	ADJ
easat-9395	115	10	equation	equation	NOUN
easat-9395	115	11	modeling	modeling	NOUN
easat-9395	115	12	(	(	PUNCT
easat-9395	115	13	pls	pls	INTJ
easat-9395	115	14	-	-	PUNCT
easat-9395	115	15	sem	sem	NOUN
easat-9395	115	16	)	)	PUNCT
easat-9395	115	17	,	,	PUNCT
easat-9395	115	18	as	as	SCONJ
easat-9395	115	19	the	the	DET
easat-9395	115	20	primary	primary	ADJ
easat-9395	115	21	aim	aim	NOUN
easat-9395	115	22	is	be	AUX
easat-9395	115	23	to	to	PART
easat-9395	115	24	examine	examine	VERB
easat-9395	115	25	the	the	DET
easat-9395	115	26	model	model	NOUN
easat-9395	115	27	of	of	ADP
easat-9395	115	28	fs	f	NOUN
easat-9395	115	29	among	among	ADP
easat-9395	115	30	teachers	teacher	NOUN
easat-9395	115	31	.	.	PUNCT
easat-9395	116	1	thus	thus	ADV
easat-9395	116	2	,	,	PUNCT
easat-9395	116	3	pls	pls	INTJ
easat-9395	116	4	-	-	PUNCT
easat-9395	116	5	sem	sem	PROPN
easat-9395	116	6	was	be	AUX
easat-9395	116	7	deemed	deem	VERB
easat-9395	116	8	highly	highly	ADV
easat-9395	116	9	appropriate	appropriate	ADJ
easat-9395	116	10	for	for	ADP
easat-9395	116	11	this	this	DET
easat-9395	116	12	study	study	NOUN
easat-9395	116	13	due	due	ADP
easat-9395	116	14	to	to	ADP
easat-9395	116	15	its	its	PRON
easat-9395	116	16	strong	strong	ADJ
easat-9395	116	17	capability	capability	NOUN
easat-9395	116	18	to	to	PART
easat-9395	116	19	predict	predict	VERB
easat-9395	116	20	all	all	DET
easat-9395	116	21	hypothesized	hypothesized	ADJ
easat-9395	116	22	relationships	relationship	NOUN
easat-9395	116	23	simultaneously	simultaneously	ADV
easat-9395	116	24	and	and	CCONJ
easat-9395	116	25	its	its	PRON
easat-9395	116	26	effectiveness	effectiveness	NOUN
easat-9395	116	27	in	in	ADP
easat-9395	116	28	analyzing	analyze	VERB
easat-9395	116	29	and	and	CCONJ
easat-9395	116	30	measuring	measure	VERB
easat-9395	116	31	interactions	interaction	NOUN
easat-9395	116	32	among	among	ADP
easat-9395	116	33	variables	variable	NOUN
easat-9395	116	34	.	.	PUNCT
easat-9395	117	1	3.2	3.2	NUM
easat-9395	117	2	.	.	PUNCT
easat-9395	118	1	sample	sample	NOUN
easat-9395	118	2	and	and	CCONJ
easat-9395	118	3	data	datum	NOUN
easat-9395	118	4	collection	collection	NOUN
easat-9395	118	5	the	the	DET
easat-9395	118	6	utilized	utilize	VERB
easat-9395	118	7	data	datum	NOUN
easat-9395	118	8	is	be	AUX
easat-9395	118	9	aimed	aim	VERB
easat-9395	118	10	at	at	ADP
easat-9395	118	11	examining	examine	VERB
easat-9395	118	12	the	the	DET
easat-9395	118	13	factors	factor	NOUN
easat-9395	118	14	related	relate	VERB
easat-9395	118	15	between	between	ADP
easat-9395	118	16	fs	f	NOUN
easat-9395	118	17	among	among	ADP
easat-9395	118	18	senior	senior	ADJ
easat-9395	118	19	high	high	ADJ
easat-9395	118	20	school	school	NOUN
easat-9395	118	21	economics	economic	NOUN
easat-9395	118	22	teachers	teacher	NOUN
easat-9395	118	23	were	be	AUX
easat-9395	118	24	gathered	gather	VERB
easat-9395	118	25	.	.	PUNCT
easat-9395	119	1	surveys	survey	NOUN
easat-9395	119	2	were	be	AUX
easat-9395	119	3	administered	administer	VERB
easat-9395	119	4	to	to	ADP
easat-9395	119	5	senior	senior	ADJ
easat-9395	119	6	high	high	ADJ
easat-9395	119	7	school	school	NOUN
easat-9395	119	8	teachers	teacher	NOUN
easat-9395	119	9	located	locate	VERB
easat-9395	119	10	in	in	ADP
easat-9395	119	11	five	five	NUM
easat-9395	119	12	of	of	ADP
easat-9395	119	13	the	the	DET
easat-9395	119	14	largest	large	ADJ
easat-9395	119	15	cities	city	NOUN
easat-9395	119	16	or	or	CCONJ
easat-9395	119	17	regencies	regency	NOUN
easat-9395	119	18	in	in	ADP
easat-9395	119	19	east	east	PROPN
easat-9395	119	20	java	java	PROPN
easat-9395	119	21	.	.	PUNCT
easat-9395	120	1	these	these	DET
easat-9395	120	2	cities	city	NOUN
easat-9395	120	3	or	or	CCONJ
easat-9395	120	4	regencies	regency	NOUN
easat-9395	120	5	include	include	VERB
easat-9395	120	6	[	[	X
easat-9395	120	7	30	30	NUM
easat-9395	120	8	]	]	PUNCT
easat-9395	120	9	as	as	SCONJ
easat-9395	120	10	the	the	DET
easat-9395	120	11	regional	regional	ADJ
easat-9395	120	12	minimum	minimum	NOUN
easat-9395	120	13	wage	wage	NOUN
easat-9395	120	14	(	(	PUNCT
easat-9395	120	15	rmw	rmw	PROPN
easat-9395	120	16	)	)	PUNCT
easat-9395	120	17	in	in	ADP
easat-9395	120	18	these	these	DET
easat-9395	120	19	areas	area	NOUN
easat-9395	120	20	is	be	AUX
easat-9395	120	21	relatively	relatively	ADV
easat-9395	120	22	similar	similar	ADJ
easat-9395	120	23	,	,	PUNCT
easat-9395	120	24	averaging	average	VERB
easat-9395	120	25	idr	idr	PROPN
easat-9395	120	26	4,653,202	4,653,202	NUM
easat-9395	120	27	.	.	PUNCT
easat-9395	121	1	data	datum	NOUN
easat-9395	121	2	collection	collection	NOUN
easat-9395	121	3	took	take	VERB
easat-9395	121	4	place	place	NOUN
easat-9395	121	5	from	from	ADP
easat-9395	121	6	april	april	PROPN
easat-9395	121	7	to	to	ADP
easat-9395	121	8	june	june	PROPN
easat-9395	121	9	2024	2024	NUM
easat-9395	121	10	.	.	PUNCT
easat-9395	122	1	respondents	respondent	NOUN
easat-9395	122	2	filled	fill	VERB
easat-9395	122	3	out	out	ADP
easat-9395	122	4	the	the	DET
easat-9395	122	5	survey	survey	NOUN
easat-9395	122	6	online	online	ADV
easat-9395	122	7	via	via	ADP
easat-9395	122	8	mentimeter	mentimeter	NOUN
easat-9395	122	9	,	,	PUNCT
easat-9395	122	10	in	in	ADP
easat-9395	122	11	which	which	PRON
easat-9395	122	12	they	they	PRON
easat-9395	122	13	could	could	AUX
easat-9395	122	14	answer	answer	VERB
easat-9395	122	15	the	the	DET
easat-9395	122	16	questions	question	NOUN
easat-9395	122	17	provided	provide	VERB
easat-9395	122	18	by	by	ADP
easat-9395	122	19	the	the	DET
easat-9395	122	20	researcher	researcher	NOUN
easat-9395	122	21	.	.	PUNCT
easat-9395	123	1	the	the	DET
easat-9395	123	2	sample	sample	NOUN
easat-9395	123	3	included	include	VERB
easat-9395	123	4	656	656	NUM
easat-9395	123	5	edelweiss	edelweiss	PROPN
easat-9395	123	6	applied	apply	VERB
easat-9395	123	7	science	science	NOUN
easat-9395	123	8	and	and	CCONJ
easat-9395	123	9	technology	technology	NOUN
easat-9395	123	10	issn	issn	PROPN
easat-9395	123	11	:	:	PUNCT
easat-9395	123	12	2576	2576	NUM
easat-9395	123	13	-	-	SYM
easat-9395	123	14	8484	8484	NUM
easat-9395	123	15	vol	vol	NOUN
easat-9395	123	16	.	.	PROPN
easat-9395	124	1	9	9	NUM
easat-9395	124	2	,	,	PUNCT
easat-9395	124	3	no	no	INTJ
easat-9395	124	4	.	.	NOUN
easat-9395	124	5	8	8	NUM
easat-9395	124	6	:	:	PUNCT
easat-9395	124	7	652	652	NUM
easat-9395	124	8	-	-	SYM
easat-9395	124	9	665	665	NUM
easat-9395	124	10	,	,	PUNCT
easat-9395	124	11	2025	2025	NUM
easat-9395	124	12	doi	doi	NOUN
easat-9395	124	13	:	:	PUNCT
easat-9395	124	14	10.55214/2576	10.55214/2576	NUM
easat-9395	124	15	-	-	NOUN
easat-9395	124	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	124	17	©	©	PROPN
easat-9395	124	18	2025	2025	NUM
easat-9395	124	19	by	by	ADP
easat-9395	124	20	the	the	DET
easat-9395	124	21	authors	author	NOUN
easat-9395	124	22	;	;	PUNCT
easat-9395	124	23	licensee	licensee	PROPN
easat-9395	124	24	learning	learn	VERB
easat-9395	124	25	gate	gate	PROPN
easat-9395	124	26	teachers	teacher	NOUN
easat-9395	124	27	working	work	VERB
easat-9395	124	28	in	in	ADP
easat-9395	124	29	sma	sma	PROPN
easat-9395	124	30	/	/	SYM
easat-9395	124	31	smk	smk	NOUN
easat-9395	124	32	who	who	PRON
easat-9395	124	33	hold	hold	VERB
easat-9395	124	34	a	a	DET
easat-9395	124	35	teaching	teaching	NOUN
easat-9395	124	36	certificate	certificate	NOUN
easat-9395	124	37	,	,	PUNCT
easat-9395	124	38	both	both	DET
easat-9395	124	39	civil	civil	ADJ
easat-9395	124	40	servants	servant	NOUN
easat-9395	124	41	and	and	CCONJ
easat-9395	124	42	private	private	ADJ
easat-9395	124	43	employees	employee	NOUN
easat-9395	124	44	.	.	PUNCT
easat-9395	125	1	in	in	ADP
easat-9395	125	2	the	the	DET
easat-9395	125	3	questionnaire	questionnaire	NOUN
easat-9395	125	4	,	,	PUNCT
easat-9395	125	5	the	the	DET
easat-9395	125	6	researchers	researcher	NOUN
easat-9395	125	7	asked	ask	VERB
easat-9395	125	8	the	the	DET
easat-9395	125	9	respondents	respondent	NOUN
easat-9395	125	10	regarding	regard	VERB
easat-9395	125	11	the	the	DET
easat-9395	125	12	identities	identity	NOUN
easat-9395	125	13	confidential	confidential	ADJ
easat-9395	125	14	hidden	hide	VERB
easat-9395	125	15	,	,	PUNCT
easat-9395	125	16	and	and	CCONJ
easat-9395	125	17	the	the	DET
easat-9395	125	18	researcher	researcher	NOUN
easat-9395	125	19	emphasized	emphasize	VERB
easat-9395	125	20	that	that	SCONJ
easat-9395	125	21	this	this	PRON
easat-9395	125	22	was	be	AUX
easat-9395	125	23	for	for	ADP
easat-9395	125	24	academic	academic	ADJ
easat-9395	125	25	purposes	purpose	NOUN
easat-9395	125	26	.	.	PUNCT
easat-9395	126	1	a	a	DET
easat-9395	126	2	total	total	NOUN
easat-9395	126	3	of	of	ADP
easat-9395	126	4	433	433	NUM
easat-9395	126	5	respondents	respondent	NOUN
easat-9395	126	6	filled	fill	VERB
easat-9395	126	7	out	out	ADP
easat-9395	126	8	the	the	DET
easat-9395	126	9	survey	survey	NOUN
easat-9395	126	10	,	,	PUNCT
easat-9395	126	11	of	of	ADP
easat-9395	126	12	which	which	PRON
easat-9395	126	13	383	383	NUM
easat-9395	126	14	met	meet	VERB
easat-9395	126	15	the	the	DET
easat-9395	126	16	qualification	qualification	NOUN
easat-9395	126	17	criteria	criterion	NOUN
easat-9395	126	18	.	.	PUNCT
easat-9395	127	1	fifty	fifty	NUM
easat-9395	127	2	respondents	respondent	NOUN
easat-9395	127	3	were	be	AUX
easat-9395	127	4	disqualified	disqualify	VERB
easat-9395	127	5	due	due	ADP
easat-9395	127	6	to	to	ADP
easat-9395	127	7	the	the	DET
easat-9395	127	8	incomplete	incomplete	ADJ
easat-9395	127	9	responses	response	NOUN
easat-9395	127	10	.	.	PUNCT
easat-9395	128	1	3.3	3.3	NUM
easat-9395	128	2	.	.	PUNCT
easat-9395	129	1	measurement	measurement	VERB
easat-9395	129	2	the	the	DET
easat-9395	129	3	researcher	researcher	NOUN
easat-9395	129	4	utilized	utilize	VERB
easat-9395	129	5	previously	previously	ADV
easat-9395	129	6	established	establish	VERB
easat-9395	129	7	research	research	NOUN
easat-9395	129	8	instruments	instrument	NOUN
easat-9395	129	9	.	.	PUNCT
easat-9395	130	1	the	the	DET
easat-9395	130	2	fs	fs	PROPN
easat-9395	130	3	measure	measure	NOUN
easat-9395	130	4	utilized	utilize	VERB
easat-9395	130	5	indicators	indicator	NOUN
easat-9395	130	6	including	include	VERB
easat-9395	130	7	the	the	DET
easat-9395	130	8	amount	amount	NOUN
easat-9395	130	9	of	of	ADP
easat-9395	130	10	savings	saving	NOUN
easat-9395	130	11	,	,	PUNCT
easat-9395	130	12	the	the	DET
easat-9395	130	13	current	current	ADJ
easat-9395	130	14	financial	financial	ADJ
easat-9395	130	15	condition	condition	NOUN
easat-9395	130	16	,	,	PUNCT
easat-9395	130	17	the	the	DET
easat-9395	130	18	capacity	capacity	NOUN
easat-9395	130	19	to	to	PART
easat-9395	130	20	fulfill	fulfill	VERB
easat-9395	130	21	financial	financial	ADJ
easat-9395	130	22	needs	need	NOUN
easat-9395	130	23	,	,	PUNCT
easat-9395	130	24	and	and	CCONJ
easat-9395	130	25	skills	skill	NOUN
easat-9395	130	26	in	in	ADP
easat-9395	130	27	managing	manage	VERB
easat-9395	130	28	finances	finance	NOUN
easat-9395	130	29	[	[	X
easat-9395	130	30	10	10	NUM
easat-9395	130	31	]	]	PUNCT
easat-9395	130	32	.	.	PUNCT
easat-9395	131	1	the	the	DET
easat-9395	131	2	frt	frt	PROPN
easat-9395	131	3	instrument	instrument	NOUN
easat-9395	131	4	used	use	VERB
easat-9395	131	5	indicators	indicator	NOUN
easat-9395	131	6	including	include	VERB
easat-9395	131	7	investment	investment	NOUN
easat-9395	131	8	placement	placement	NOUN
easat-9395	131	9	with	with	ADP
easat-9395	131	10	risks	risk	NOUN
easat-9395	131	11	,	,	PUNCT
easat-9395	131	12	preferred	preferred	ADJ
easat-9395	131	13	types	type	NOUN
easat-9395	131	14	of	of	ADP
easat-9395	131	15	investments	investment	NOUN
easat-9395	131	16	,	,	PUNCT
easat-9395	131	17	and	and	CCONJ
easat-9395	131	18	percentage	percentage	NOUN
easat-9395	131	19	of	of	ADP
easat-9395	131	20	the	the	DET
easat-9395	131	21	investment	investment	NOUN
easat-9395	131	22	asset	asset	NOUN
easat-9395	131	23	portfolio	portfolio	NOUN
easat-9395	132	1	[	[	X
easat-9395	132	2	22	22	NUM
easat-9395	132	3	]	]	PUNCT
easat-9395	132	4	.	.	PUNCT
easat-9395	133	1	the	the	DET
easat-9395	133	2	dependent	dependent	ADJ
easat-9395	133	3	variable	variable	NOUN
easat-9395	133	4	measured	measure	VERB
easat-9395	133	5	by	by	ADP
easat-9395	133	6	fb	fb	INTJ
easat-9395	133	7	,	,	PUNCT
easat-9395	133	8	included	include	VERB
easat-9395	133	9	indicators	indicator	NOUN
easat-9395	133	10	,	,	PUNCT
easat-9395	133	11	including	include	VERB
easat-9395	133	12	financial	financial	ADJ
easat-9395	133	13	planning	planning	NOUN
easat-9395	133	14	,	,	PUNCT
easat-9395	133	15	financial	financial	ADJ
easat-9395	133	16	management	management	NOUN
easat-9395	133	17	,	,	PUNCT
easat-9395	133	18	saving	save	VERB
easat-9395	133	19	and	and	CCONJ
easat-9395	133	20	investing	investing	NOUN
easat-9395	133	21	activities	activity	NOUN
easat-9395	133	22	,	,	PUNCT
easat-9395	133	23	and	and	CCONJ
easat-9395	133	24	credit	credit	NOUN
easat-9395	133	25	management	management	NOUN
easat-9395	133	26	[	[	X
easat-9395	133	27	52	52	NUM
easat-9395	133	28	]	]	PUNCT
easat-9395	133	29	.	.	PUNCT
easat-9395	134	1	these	these	DET
easat-9395	134	2	variables	variable	NOUN
easat-9395	134	3	were	be	AUX
easat-9395	134	4	assessed	assess	VERB
easat-9395	134	5	using	use	VERB
easat-9395	134	6	a	a	DET
easat-9395	134	7	likert	likert	ADJ
easat-9395	134	8	scale	scale	NOUN
easat-9395	134	9	from	from	ADP
easat-9395	134	10	“	"	PUNCT
easat-9395	134	11	1	1	NUM
easat-9395	134	12	”	"	PUNCT
easat-9395	134	13	that	that	PRON
easat-9395	134	14	represents	represents	AUX
easat-9395	134	15	strongly	strongly	ADV
easat-9395	134	16	disagree	disagree	VERB
easat-9395	134	17	opinion	opinion	NOUN
easat-9395	134	18	to	to	ADP
easat-9395	134	19	“	"	PUNCT
easat-9395	134	20	5	5	NUM
easat-9395	134	21	”	"	PUNCT
easat-9395	134	22	that	that	PRON
easat-9395	134	23	represents	represents	AUX
easat-9395	134	24	strongly	strongly	ADV
easat-9395	134	25	agree	agree	VERB
easat-9395	134	26	opinion	opinion	NOUN
easat-9395	134	27	.	.	PUNCT
easat-9395	135	1	the	the	DET
easat-9395	135	2	fl	fl	PROPN
easat-9395	135	3	instrument	instrument	NOUN
easat-9395	135	4	included	include	VERB
easat-9395	135	5	the	the	DET
easat-9395	135	6	appropriate	appropriate	ADJ
easat-9395	135	7	indicators	indicator	NOUN
easat-9395	135	8	by	by	ADP
easat-9395	135	9	mandell	mandell	PROPN
easat-9395	135	10	and	and	CCONJ
easat-9395	135	11	klein	klein	PROPN
easat-9395	136	1	[	[	X
easat-9395	136	2	53	53	NUM
easat-9395	136	3	]	]	PUNCT
easat-9395	136	4	and	and	CCONJ
easat-9395	136	5	xiao	xiao	PROPN
easat-9395	136	6	,	,	PUNCT
easat-9395	136	7	et	et	PROPN
easat-9395	136	8	al	al	PROPN
easat-9395	136	9	.	.	PUNCT
easat-9395	137	1	[	[	X
easat-9395	137	2	54	54	NUM
easat-9395	137	3	]	]	PUNCT
easat-9395	137	4	including	include	VERB
easat-9395	137	5	general	general	ADJ
easat-9395	137	6	knowledge	knowledge	NOUN
easat-9395	137	7	,	,	PUNCT
easat-9395	137	8	savings	saving	NOUN
easat-9395	137	9	and	and	CCONJ
easat-9395	137	10	loans	loan	NOUN
easat-9395	137	11	,	,	PUNCT
easat-9395	137	12	insurance	insurance	NOUN
easat-9395	137	13	,	,	PUNCT
easat-9395	137	14	and	and	CCONJ
easat-9395	137	15	investment	investment	NOUN
easat-9395	137	16	.	.	PUNCT
easat-9395	138	1	this	this	DET
easat-9395	138	2	instrument	instrument	NOUN
easat-9395	138	3	included	include	VERB
easat-9395	138	4	20	20	NUM
easat-9395	138	5	items	item	NOUN
easat-9395	138	6	in	in	ADP
easat-9395	138	7	a	a	DET
easat-9395	138	8	test	test	NOUN
easat-9395	138	9	,	,	PUNCT
easat-9395	138	10	with	with	ADP
easat-9395	138	11	100	100	NUM
easat-9395	138	12	as	as	ADP
easat-9395	138	13	the	the	DET
easat-9395	138	14	maximum	maximum	ADJ
easat-9395	138	15	score	score	NOUN
easat-9395	138	16	and	and	CCONJ
easat-9395	138	17	0	0	NUM
easat-9395	138	18	as	as	ADP
easat-9395	138	19	the	the	DET
easat-9395	138	20	minimum	minimum	NOUN
easat-9395	138	21	score	score	NOUN
easat-9395	138	22	.	.	PUNCT
easat-9395	139	1	the	the	DET
easat-9395	139	2	results	result	NOUN
easat-9395	139	3	were	be	AUX
easat-9395	139	4	interpreted	interpret	VERB
easat-9395	139	5	with	with	ADP
easat-9395	139	6	ranging	range	VERB
easat-9395	139	7	categories	category	NOUN
easat-9395	139	8	from	from	ADP
easat-9395	139	9	very	very	ADV
easat-9395	139	10	poor	poor	ADJ
easat-9395	139	11	to	to	ADP
easat-9395	139	12	very	very	ADV
easat-9395	139	13	good	good	ADJ
easat-9395	140	1	[	[	X
easat-9395	140	2	55	55	NUM
easat-9395	140	3	]	]	PUNCT
easat-9395	140	4	.	.	PUNCT
easat-9395	141	1	3.4	3.4	NUM
easat-9395	141	2	.	.	PUNCT
easat-9395	142	1	data	datum	NOUN
easat-9395	142	2	analysis	analysis	NOUN
easat-9395	142	3	the	the	DET
easat-9395	142	4	collected	collect	VERB
easat-9395	142	5	data	datum	NOUN
easat-9395	142	6	in	in	ADP
easat-9395	142	7	this	this	DET
easat-9395	142	8	study	study	NOUN
easat-9395	142	9	was	be	AUX
easat-9395	142	10	analyzed	analyze	VERB
easat-9395	142	11	by	by	ADP
easat-9395	142	12	the	the	DET
easat-9395	142	13	help	help	NOUN
easat-9395	142	14	of	of	ADP
easat-9395	142	15	various	various	ADJ
easat-9395	142	16	statistical	statistical	ADJ
easat-9395	142	17	programs	program	NOUN
easat-9395	142	18	for	for	ADP
easat-9395	142	19	plssem	plssem	NOUN
easat-9395	142	20	with	with	ADP
easat-9395	142	21	the	the	DET
easat-9395	142	22	smartpls4	smartpls4	PROPN
easat-9395	142	23	software	software	NOUN
easat-9395	142	24	.	.	PUNCT
easat-9395	143	1	the	the	DET
easat-9395	143	2	adoption	adoption	NOUN
easat-9395	143	3	of	of	ADP
easat-9395	143	4	pls	pls	NOUN
easat-9395	143	5	-	-	PUNCT
easat-9395	143	6	sem	sem	NOUN
easat-9395	143	7	is	be	AUX
easat-9395	143	8	suitable	suitable	ADJ
easat-9395	143	9	for	for	ADP
easat-9395	143	10	statistical	statistical	ADJ
easat-9395	143	11	estimation	estimation	NOUN
easat-9395	143	12	in	in	ADP
easat-9395	143	13	exploratory	exploratory	ADJ
easat-9395	143	14	studies	study	NOUN
easat-9395	143	15	that	that	PRON
easat-9395	143	16	employ	employ	VERB
easat-9395	143	17	mediation	mediation	NOUN
easat-9395	143	18	effects	effect	NOUN
easat-9395	143	19	.	.	PUNCT
easat-9395	144	1	in	in	ADP
easat-9395	144	2	this	this	DET
easat-9395	144	3	research	research	NOUN
easat-9395	144	4	,	,	PUNCT
easat-9395	144	5	the	the	DET
easat-9395	144	6	author	author	NOUN
easat-9395	144	7	followed	follow	VERB
easat-9395	144	8	two	two	NUM
easat-9395	144	9	stages	stage	NOUN
easat-9395	144	10	of	of	ADP
easat-9395	144	11	data	datum	NOUN
easat-9395	144	12	analysis	analysis	NOUN
easat-9395	144	13	:	:	PUNCT
easat-9395	144	14	the	the	DET
easat-9395	144	15	measurement	measurement	NOUN
easat-9395	144	16	model	model	NOUN
easat-9395	144	17	aimed	aim	VERB
easat-9395	144	18	to	to	PART
easat-9395	144	19	estimate	estimate	VERB
easat-9395	144	20	convergent	convergent	ADJ
easat-9395	144	21	validity	validity	NOUN
easat-9395	144	22	and	and	CCONJ
easat-9395	144	23	reliability	reliability	NOUN
easat-9395	144	24	.	.	PUNCT
easat-9395	145	1	subsequently	subsequently	ADV
easat-9395	145	2	,	,	PUNCT
easat-9395	145	3	the	the	DET
easat-9395	145	4	author	author	NOUN
easat-9395	145	5	performed	perform	VERB
easat-9395	145	6	the	the	DET
easat-9395	145	7	structural	structural	ADJ
easat-9395	145	8	model	model	NOUN
easat-9395	145	9	to	to	PART
easat-9395	145	10	calculate	calculate	VERB
easat-9395	145	11	the	the	DET
easat-9395	145	12	final	final	ADJ
easat-9395	145	13	model	model	NOUN
easat-9395	145	14	and	and	CCONJ
easat-9395	145	15	test	test	VERB
easat-9395	145	16	the	the	DET
easat-9395	145	17	hypotheses	hypothesis	NOUN
easat-9395	145	18	.	.	PUNCT
easat-9395	146	1	4	4	X
easat-9395	146	2	.	.	NOUN
easat-9395	146	3	results	result	NOUN
easat-9395	146	4	and	and	CCONJ
easat-9395	146	5	analysis	analysis	NOUN
easat-9395	146	6	4.1	4.1	NUM
easat-9395	146	7	.	.	PUNCT
easat-9395	147	1	respondent	respondent	ADJ
easat-9395	147	2	description	description	NOUN
easat-9395	147	3	this	this	DET
easat-9395	147	4	study	study	NOUN
easat-9395	147	5	involved	involve	VERB
easat-9395	147	6	383	383	NUM
easat-9395	147	7	respondents	respondent	NOUN
easat-9395	147	8	surveyed	survey	VERB
easat-9395	147	9	across	across	ADP
easat-9395	147	10	four	four	NUM
easat-9395	147	11	cities	city	NOUN
easat-9395	147	12	/	/	SYM
easat-9395	147	13	regencies	regency	NOUN
easat-9395	147	14	in	in	ADP
easat-9395	147	15	east	east	PROPN
easat-9395	147	16	java	java	PROPN
easat-9395	147	17	.	.	PUNCT
easat-9395	148	1	the	the	DET
easat-9395	148	2	data	data	NOUN
easat-9395	148	3	collection	collection	NOUN
easat-9395	148	4	was	be	AUX
easat-9395	148	5	conducted	conduct	VERB
easat-9395	148	6	using	use	VERB
easat-9395	148	7	mentimeter	mentimeter	NOUN
easat-9395	148	8	for	for	ADP
easat-9395	148	9	economics	economic	NOUN
easat-9395	148	10	and	and	CCONJ
easat-9395	148	11	accounting	accounting	NOUN
easat-9395	148	12	teachers	teacher	NOUN
easat-9395	148	13	who	who	PRON
easat-9395	148	14	owned	own	VERB
easat-9395	148	15	teaching	teaching	NOUN
easat-9395	148	16	certification	certification	NOUN
easat-9395	148	17	.	.	PUNCT
easat-9395	149	1	in	in	ADP
easat-9395	149	2	this	this	DET
easat-9395	149	3	following	follow	VERB
easat-9395	149	4	table	table	NOUN
easat-9395	149	5	,	,	PUNCT
easat-9395	149	6	the	the	DET
easat-9395	149	7	researcher	researcher	NOUN
easat-9395	149	8	presents	present	VERB
easat-9395	149	9	a	a	DET
easat-9395	149	10	table	table	NOUN
easat-9395	149	11	summarizing	summarize	VERB
easat-9395	149	12	the	the	DET
easat-9395	149	13	respondents	respondent	NOUN
easat-9395	149	14	from	from	ADP
easat-9395	149	15	the	the	DET
easat-9395	149	16	open	open	ADV
easat-9395	149	17	-	-	PUNCT
easat-9395	149	18	ended	end	VERB
easat-9395	149	19	questionnaire	questionnaire	NOUN
easat-9395	149	20	:	:	PUNCT
easat-9395	149	21	657	657	NUM
easat-9395	149	22	edelweiss	edelweiss	PROPN
easat-9395	149	23	applied	apply	VERB
easat-9395	149	24	science	science	NOUN
easat-9395	149	25	and	and	CCONJ
easat-9395	149	26	technology	technology	NOUN
easat-9395	149	27	issn	issn	PROPN
easat-9395	149	28	:	:	PUNCT
easat-9395	149	29	2576	2576	NUM
easat-9395	149	30	-	-	SYM
easat-9395	149	31	8484	8484	NUM
easat-9395	149	32	vol	vol	NOUN
easat-9395	149	33	.	.	PROPN
easat-9395	150	1	9	9	NUM
easat-9395	150	2	,	,	PUNCT
easat-9395	150	3	no	no	INTJ
easat-9395	150	4	.	.	NOUN
easat-9395	150	5	8	8	NUM
easat-9395	150	6	:	:	PUNCT
easat-9395	150	7	652	652	NUM
easat-9395	150	8	-	-	SYM
easat-9395	150	9	665	665	NUM
easat-9395	150	10	,	,	PUNCT
easat-9395	150	11	2025	2025	NUM
easat-9395	150	12	doi	doi	NOUN
easat-9395	150	13	:	:	PUNCT
easat-9395	150	14	10.55214/2576	10.55214/2576	NUM
easat-9395	150	15	-	-	NOUN
easat-9395	150	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	150	17	©	©	PROPN
easat-9395	150	18	2025	2025	NUM
easat-9395	150	19	by	by	ADP
easat-9395	150	20	the	the	DET
easat-9395	150	21	authors	author	NOUN
easat-9395	150	22	;	;	PUNCT
easat-9395	151	1	licensee	licensee	PROPN
easat-9395	151	2	learning	learn	VERB
easat-9395	151	3	gate	gate	NOUN
easat-9395	151	4	table	table	NOUN
easat-9395	151	5	1	1	NUM
easat-9395	151	6	.	.	PUNCT
easat-9395	151	7	respondent	respondent	NOUN
easat-9395	151	8	characteristics	characteristic	NOUN
easat-9395	151	9	.	.	PUNCT
easat-9395	152	1	note	note	NOUN
easat-9395	152	2	:	:	PUNCT
easat-9395	153	1	ge	ge	PROPN
easat-9395	153	2	=	=	PUNCT
easat-9395	153	3	government	government	NOUN
easat-9395	153	4	employees	employee	NOUN
easat-9395	153	5	,	,	PUNCT
easat-9395	153	6	geea	geea	NOUN
easat-9395	153	7	=	=	SYM
easat-9395	153	8	government	government	NOUN
easat-9395	153	9	employees	employee	NOUN
easat-9395	153	10	with	with	ADP
easat-9395	153	11	employment	employment	NOUN
easat-9395	153	12	agreements	agreement	NOUN
easat-9395	153	13	gender	gender	NOUN
easat-9395	153	14	count	count	NOUN
easat-9395	153	15	percentage	percentage	NOUN
easat-9395	153	16	male	male	NOUN
easat-9395	153	17	177	177	NUM
easat-9395	153	18	46	46	NUM
easat-9395	153	19	%	%	NOUN
easat-9395	153	20	female	female	ADJ
easat-9395	153	21	206	206	NUM
easat-9395	153	22	54	54	NUM
easat-9395	153	23	%	%	NOUN
easat-9395	153	24	age	age	NOUN
easat-9395	153	25	20	20	NUM
easat-9395	153	26	-	-	SYM
easat-9395	153	27	30	30	NUM
easat-9395	153	28	42	42	NUM
easat-9395	153	29	11	11	NUM
easat-9395	153	30	%	%	NOUN
easat-9395	153	31	31	31	NUM
easat-9395	153	32	-	-	SYM
easat-9395	153	33	40	40	NUM
easat-9395	153	34	104	104	NUM
easat-9395	153	35	27	27	NUM
easat-9395	153	36	%	%	NOUN
easat-9395	153	37	41	41	NUM
easat-9395	153	38	-	-	SYM
easat-9395	153	39	50	50	NUM
easat-9395	153	40	126	126	NUM
easat-9395	153	41	33	33	NUM
easat-9395	153	42	%	%	NOUN
easat-9395	153	43	>	>	SYM
easat-9395	153	44	50	50	NUM
easat-9395	153	45	111	111	NUM
easat-9395	153	46	32	32	NUM
easat-9395	153	47	%	%	NOUN
easat-9395	153	48	years	year	NOUN
easat-9395	153	49	of	of	ADP
easat-9395	153	50	service	service	NOUN
easat-9395	153	51	5	5	NUM
easat-9395	153	52	-	-	SYM
easat-9395	153	53	10	10	NUM
easat-9395	153	54	years	year	NOUN
easat-9395	153	55	42	42	NUM
easat-9395	153	56	11	11	NUM
easat-9395	153	57	%	%	NOUN
easat-9395	153	58	11	11	NUM
easat-9395	153	59	-	-	SYM
easat-9395	153	60	15	15	NUM
easat-9395	153	61	years	year	NOUN
easat-9395	153	62	91	91	NUM
easat-9395	153	63	24	24	NUM
easat-9395	153	64	%	%	NOUN
easat-9395	153	65	16	16	NUM
easat-9395	153	66	-	-	SYM
easat-9395	153	67	20	20	NUM
easat-9395	153	68	years	year	NOUN
easat-9395	153	69	126	126	NUM
easat-9395	153	70	33	33	NUM
easat-9395	153	71	%	%	NOUN
easat-9395	153	72	>	>	SYM
easat-9395	153	73	20	20	NUM
easat-9395	153	74	years	year	NOUN
easat-9395	153	75	124	124	NUM
easat-9395	153	76	32	32	NUM
easat-9395	153	77	%	%	NOUN
easat-9395	153	78	employment	employment	NOUN
easat-9395	153	79	status	status	NOUN
easat-9395	153	80	ge	ge	PROPN
easat-9395	153	81	68	68	NUM
easat-9395	153	82	18	18	NUM
easat-9395	153	83	%	%	NOUN
easat-9395	153	84	geea	geea	NOUN
easat-9395	153	85	142	142	NUM
easat-9395	153	86	37	37	NUM
easat-9395	153	87	%	%	NOUN
easat-9395	153	88	pft	pft	PROPN
easat-9395	153	89	173	173	NUM
easat-9395	153	90	45	45	NUM
easat-9395	153	91	%	%	NOUN
easat-9395	153	92	education	education	NOUN
easat-9395	153	93	bachelor	bachelor	NOUN
easat-9395	153	94	's	's	PART
easat-9395	153	95	(	(	PUNCT
easat-9395	153	96	s1	s1	PROPN
easat-9395	153	97	)	)	PUNCT
easat-9395	153	98	310	310	NUM
easat-9395	153	99	81	81	NUM
easat-9395	153	100	%	%	NOUN
easat-9395	153	101	master	master	NOUN
easat-9395	153	102	's	's	PART
easat-9395	153	103	(	(	PUNCT
easat-9395	153	104	s2	s2	PROPN
easat-9395	153	105	)	)	PUNCT
easat-9395	153	106	70	70	NUM
easat-9395	153	107	18	18	NUM
easat-9395	153	108	%	%	NOUN
easat-9395	153	109	doctorate	doctorate	NOUN
easat-9395	153	110	(	(	PUNCT
easat-9395	153	111	s3	s3	PROPN
easat-9395	153	112	)	)	PUNCT
easat-9395	153	113	3	3	NUM
easat-9395	153	114	1	1	NUM
easat-9395	153	115	%	%	NOUN
easat-9395	153	116	monthly	monthly	ADJ
easat-9395	153	117	income	income	NOUN
easat-9395	153	118	1	1	NUM
easat-9395	153	119	-	-	SYM
easat-9395	153	120	5	5	NUM
easat-9395	153	121	million	million	NUM
easat-9395	153	122	157	157	NUM
easat-9395	153	123	45	45	NUM
easat-9395	153	124	%	%	NOUN
easat-9395	153	125	5	5	NUM
easat-9395	153	126	-	-	SYM
easat-9395	153	127	10	10	NUM
easat-9395	153	128	million	million	NUM
easat-9395	153	129	157	157	NUM
easat-9395	153	130	45	45	NUM
easat-9395	153	131	%	%	NOUN
easat-9395	153	132	10	10	NUM
easat-9395	153	133	-	-	SYM
easat-9395	153	134	15	15	NUM
easat-9395	153	135	million	million	NUM
easat-9395	153	136	32	32	NUM
easat-9395	153	137	9	9	NUM
easat-9395	153	138	%	%	NOUN
easat-9395	153	139	>	>	SYM
easat-9395	153	140	15	15	NUM
easat-9395	153	141	million	million	NUM
easat-9395	153	142	0	0	NUM
easat-9395	153	143	number	number	NOUN
easat-9395	153	144	of	of	ADP
easat-9395	153	145	dependents	dependent	NOUN
easat-9395	153	146	0	0	NUM
easat-9395	153	147	children	child	NOUN
easat-9395	153	148	3	3	NUM
easat-9395	153	149	18	18	NUM
easat-9395	153	150	%	%	NOUN
easat-9395	153	151	1	1	NUM
easat-9395	153	152	child	child	NOUN
easat-9395	153	153	86	86	NUM
easat-9395	153	154	37	37	NUM
easat-9395	153	155	%	%	NOUN
easat-9395	153	156	2	2	NUM
easat-9395	153	157	-	-	SYM
easat-9395	153	158	3	3	NUM
easat-9395	153	159	children	child	NOUN
easat-9395	153	160	241	241	NUM
easat-9395	153	161	44	44	NUM
easat-9395	153	162	%	%	NOUN
easat-9395	153	163	>	>	SYM
easat-9395	153	164	3	3	NUM
easat-9395	153	165	children	child	NOUN
easat-9395	153	166	53	53	NUM
easat-9395	153	167	1	1	NUM
easat-9395	153	168	%	%	NOUN
easat-9395	153	169	source	source	NOUN
easat-9395	153	170	:	:	PUNCT
easat-9395	153	171	epft	epft	NOUN
easat-9395	153	172	=	=	PRON
easat-9395	153	173	employed	employ	VERB
easat-9395	153	174	as	as	ADP
easat-9395	153	175	permanent	permanent	ADJ
easat-9395	153	176	foundation	foundation	NOUN
easat-9395	153	177	teachers	teacher	NOUN
easat-9395	153	178	.	.	PUNCT
easat-9395	154	1	table	table	NOUN
easat-9395	154	2	1	1	NUM
easat-9395	154	3	concluded	conclude	VERB
easat-9395	154	4	that	that	SCONJ
easat-9395	154	5	the	the	DET
easat-9395	154	6	majority	majority	NOUN
easat-9395	154	7	of	of	ADP
easat-9395	154	8	respondents	respondent	NOUN
easat-9395	154	9	are	be	AUX
easat-9395	154	10	female	female	ADJ
easat-9395	154	11	in	in	ADP
easat-9395	154	12	the	the	DET
easat-9395	154	13	age	age	NOUN
easat-9395	154	14	range	range	VERB
easat-9395	154	15	41	41	NUM
easat-9395	154	16	-	-	SYM
easat-9395	154	17	50	50	NUM
easat-9395	154	18	years	year	NOUN
easat-9395	154	19	with	with	ADP
easat-9395	154	20	16	16	NUM
easat-9395	154	21	-	-	SYM
easat-9395	154	22	20	20	NUM
easat-9395	154	23	years	year	NOUN
easat-9395	154	24	of	of	ADP
easat-9395	154	25	work	work	NOUN
easat-9395	154	26	experience	experience	NOUN
easat-9395	154	27	.	.	PUNCT
easat-9395	155	1	they	they	PRON
easat-9395	155	2	mostly	mostly	ADV
easat-9395	155	3	hold	hold	VERB
easat-9395	155	4	a	a	DET
easat-9395	155	5	bachelor	bachelor	NOUN
easat-9395	155	6	's	's	PART
easat-9395	155	7	degree	degree	NOUN
easat-9395	155	8	(	(	PUNCT
easat-9395	155	9	s1	s1	NOUN
easat-9395	155	10	)	)	PUNCT
easat-9395	155	11	certificate	certificate	NOUN
easat-9395	155	12	and	and	CCONJ
easat-9395	155	13	are	be	AUX
easat-9395	155	14	employed	employ	VERB
easat-9395	155	15	as	as	ADP
easat-9395	155	16	permanent	permanent	ADJ
easat-9395	155	17	foundation	foundation	NOUN
easat-9395	155	18	teachers	teacher	NOUN
easat-9395	155	19	(	(	PUNCT
easat-9395	155	20	epf	epf	PROPN
easat-9395	155	21	)	)	PUNCT
easat-9395	155	22	,	,	PUNCT
easat-9395	155	23	earning	earn	VERB
easat-9395	155	24	between	between	ADP
easat-9395	155	25	5	5	NUM
easat-9395	155	26	-	-	SYM
easat-9395	155	27	10	10	NUM
easat-9395	155	28	million	million	NUM
easat-9395	155	29	per	per	ADP
easat-9395	155	30	month	month	NOUN
easat-9395	155	31	,	,	PUNCT
easat-9395	155	32	and	and	CCONJ
easat-9395	155	33	typically	typically	ADV
easat-9395	155	34	have	have	VERB
easat-9395	155	35	23	23	NUM
easat-9395	155	36	children	child	NOUN
easat-9395	155	37	as	as	ADP
easat-9395	155	38	dependents	dependent	NOUN
easat-9395	155	39	.	.	PUNCT
easat-9395	156	1	4.2	4.2	NUM
easat-9395	156	2	.	.	PUNCT
easat-9395	157	1	measurement	measurement	NOUN
easat-9395	157	2	model	model	NOUN
easat-9395	157	3	the	the	DET
easat-9395	157	4	data	data	NOUN
easat-9395	157	5	analysis	analysis	NOUN
easat-9395	157	6	followed	follow	VERB
easat-9395	157	7	the	the	DET
easat-9395	157	8	sem	sem	ADJ
easat-9395	157	9	-	-	PUNCT
easat-9395	157	10	pls	pls	NOUN
easat-9395	157	11	methods	method	NOUN
easat-9395	157	12	described	describe	VERB
easat-9395	157	13	by	by	ADP
easat-9395	157	14	xiao	xiao	PROPN
easat-9395	157	15	,	,	PUNCT
easat-9395	157	16	et	et	PROPN
easat-9395	157	17	al	al	PROPN
easat-9395	157	18	.	.	PUNCT
easat-9395	158	1	[	[	X
easat-9395	158	2	7	7	X
easat-9395	158	3	]	]	PUNCT
easat-9395	158	4	and	and	CCONJ
easat-9395	158	5	gerrans	gerran	NOUN
easat-9395	158	6	,	,	PUNCT
easat-9395	158	7	et	et	PROPN
easat-9395	158	8	al	al	PROPN
easat-9395	158	9	.	.	PUNCT
easat-9395	159	1	[	[	X
easat-9395	159	2	56	56	NUM
easat-9395	159	3	]	]	PUNCT
easat-9395	159	4	.	.	PUNCT
easat-9395	160	1	the	the	DET
easat-9395	160	2	initial	initial	ADJ
easat-9395	160	3	step	step	NOUN
easat-9395	160	4	focused	focus	VERB
easat-9395	160	5	on	on	ADP
easat-9395	160	6	evaluating	evaluate	VERB
easat-9395	160	7	validity	validity	NOUN
easat-9395	160	8	and	and	CCONJ
easat-9395	160	9	reliability	reliability	NOUN
easat-9395	160	10	.	.	PUNCT
easat-9395	161	1	reliability	reliability	NOUN
easat-9395	161	2	pertains	pertain	NOUN
easat-9395	161	3	to	to	ADP
easat-9395	161	4	the	the	DET
easat-9395	161	5	degree	degree	NOUN
easat-9395	161	6	to	to	PART
easat-9395	161	7	which	which	PRON
easat-9395	161	8	a	a	DET
easat-9395	161	9	measurement	measurement	NOUN
easat-9395	161	10	scale	scale	NOUN
easat-9395	161	11	is	be	AUX
easat-9395	161	12	error	error	NOUN
easat-9395	161	13	-	-	PUNCT
easat-9395	161	14	free	free	ADJ
easat-9395	161	15	and	and	CCONJ
easat-9395	161	16	produces	produce	VERB
easat-9395	161	17	consistent	consistent	ADJ
easat-9395	161	18	outcomes	outcome	NOUN
easat-9395	161	19	.	.	PUNCT
easat-9395	162	1	in	in	ADP
easat-9395	162	2	this	this	DET
easat-9395	162	3	study	study	NOUN
easat-9395	162	4	,	,	PUNCT
easat-9395	162	5	reliability	reliability	NOUN
easat-9395	162	6	was	be	AUX
easat-9395	162	7	evaluated	evaluate	VERB
easat-9395	162	8	based	base	VERB
easat-9395	162	9	on	on	ADP
easat-9395	162	10	the	the	DET
easat-9395	162	11	loading	loading	NOUN
easat-9395	162	12	values	value	NOUN
easat-9395	162	13	and	and	CCONJ
easat-9395	162	14	composite	composite	ADJ
easat-9395	162	15	reliability	reliability	NOUN
easat-9395	162	16	(	(	PUNCT
easat-9395	162	17	cr	cr	NOUN
easat-9395	162	18	)	)	PUNCT
easat-9395	162	19	,	,	PUNCT
easat-9395	162	20	which	which	PRON
easat-9395	162	21	must	must	AUX
easat-9395	162	22	exceed	exceed	VERB
easat-9395	162	23	the	the	DET
easat-9395	162	24	value	value	NOUN
easat-9395	162	25	of	of	ADP
easat-9395	162	26	0.70	0.70	NUM
easat-9395	162	27	[	[	X
easat-9395	162	28	57	57	NUM
easat-9395	162	29	]	]	PUNCT
easat-9395	162	30	.	.	PUNCT
easat-9395	163	1	table	table	NOUN
easat-9395	163	2	3	3	NUM
easat-9395	163	3	demonstrates	demonstrate	VERB
easat-9395	163	4	that	that	SCONJ
easat-9395	163	5	the	the	DET
easat-9395	163	6	factor	factor	NOUN
easat-9395	163	7	loadings	loading	NOUN
easat-9395	163	8	for	for	ADP
easat-9395	163	9	the	the	DET
easat-9395	163	10	included	include	VERB
easat-9395	163	11	constructs	construct	NOUN
easat-9395	163	12	exceeded	exceed	VERB
easat-9395	163	13	the	the	DET
easat-9395	163	14	required	require	VERB
easat-9395	163	15	value	value	NOUN
easat-9395	163	16	,	,	PUNCT
easat-9395	163	17	and	and	CCONJ
easat-9395	163	18	the	the	DET
easat-9395	163	19	cr	cr	PROPN
easat-9395	163	20	values	value	NOUN
easat-9395	163	21	also	also	ADV
easat-9395	163	22	shows	show	VERB
easat-9395	163	23	above	above	ADP
easat-9395	163	24	0.70	0.70	NUM
easat-9395	163	25	,	,	PUNCT
easat-9395	163	26	indicating	indicate	VERB
easat-9395	163	27	compliance	compliance	NOUN
easat-9395	163	28	with	with	ADP
easat-9395	163	29	reliability	reliability	NOUN
easat-9395	163	30	standards	standard	NOUN
easat-9395	163	31	.	.	PUNCT
easat-9395	164	1	furthermore	furthermore	ADV
easat-9395	164	2	,	,	PUNCT
easat-9395	164	3	convergent	convergent	ADJ
easat-9395	164	4	validity	validity	NOUN
easat-9395	164	5	was	be	AUX
easat-9395	164	6	assessed	assess	VERB
easat-9395	164	7	using	use	VERB
easat-9395	164	8	the	the	DET
easat-9395	164	9	ave	ave	NOUN
easat-9395	164	10	,	,	PUNCT
easat-9395	164	11	with	with	ADP
easat-9395	164	12	a	a	DET
easat-9395	164	13	criterion	criterion	NOUN
easat-9395	164	14	that	that	PRON
easat-9395	164	15	ave	ave	NOUN
easat-9395	164	16	should	should	AUX
easat-9395	164	17	exceed	exceed	VERB
easat-9395	164	18	0.50	0.50	NUM
easat-9395	164	19	.	.	PUNCT
easat-9395	165	1	the	the	DET
easat-9395	165	2	table	table	NOUN
easat-9395	165	3	reveals	reveal	VERB
easat-9395	165	4	that	that	SCONJ
easat-9395	165	5	ave	ave	PROPN
easat-9395	165	6	values	value	NOUN
easat-9395	165	7	ranged	range	VERB
easat-9395	165	8	from	from	ADP
easat-9395	165	9	0.608	0.608	NUM
easat-9395	165	10	to	to	ADP
easat-9395	165	11	0.753	0.753	NUM
easat-9395	165	12	,	,	PUNCT
easat-9395	165	13	confirming	confirm	VERB
easat-9395	165	14	they	they	PRON
easat-9395	165	15	met	meet	VERB
easat-9395	165	16	the	the	DET
easat-9395	165	17	validity	validity	NOUN
easat-9395	165	18	requirements	requirement	NOUN
easat-9395	165	19	.	.	PUNCT
easat-9395	166	1	these	these	DET
easat-9395	166	2	results	result	NOUN
easat-9395	166	3	align	align	VERB
easat-9395	166	4	with	with	ADP
easat-9395	166	5	the	the	DET
easat-9395	166	6	recommendations	recommendation	NOUN
easat-9395	166	7	of	of	ADP
easat-9395	166	8	hair	hair	NOUN
easat-9395	166	9	,	,	PUNCT
easat-9395	166	10	et	et	PROPN
easat-9395	166	11	al	al	PROPN
easat-9395	166	12	.	.	PUNCT
easat-9395	167	1	[	[	X
easat-9395	167	2	57	57	NUM
easat-9395	167	3	]	]	PUNCT
easat-9395	167	4	and	and	CCONJ
easat-9395	167	5	hair	hair	NOUN
easat-9395	167	6	,	,	PUNCT
easat-9395	167	7	et	et	PROPN
easat-9395	167	8	al	al	PROPN
easat-9395	167	9	.	.	PUNCT
easat-9395	168	1	[	[	X
easat-9395	168	2	58	58	NUM
easat-9395	168	3	]	]	PUNCT
easat-9395	168	4	where	where	SCONJ
easat-9395	168	5	cronbach	cronbach	NOUN
easat-9395	168	6	's	's	PART
easat-9395	168	7	alpha	alpha	NOUN
easat-9395	168	8	(	(	PUNCT
easat-9395	168	9	α	α	NOUN
easat-9395	168	10	)	)	PUNCT
easat-9395	168	11	was	be	AUX
easat-9395	168	12	above	above	ADP
easat-9395	168	13	0.70	0.70	NUM
easat-9395	168	14	,	,	PUNCT
easat-9395	168	15	composite	composite	ADJ
easat-9395	168	16	reliability	reliability	NOUN
easat-9395	168	17	exceeded	exceed	VERB
easat-9395	168	18	0.70	0.70	NUM
easat-9395	168	19	,	,	PUNCT
easat-9395	168	20	and	and	CCONJ
easat-9395	168	21	ave	ave	NOUN
easat-9395	168	22	was	be	AUX
easat-9395	168	23	greater	great	ADJ
easat-9395	168	24	than	than	ADP
easat-9395	168	25	0.50	0.50	NUM
easat-9395	168	26	.	.	PUNCT
easat-9395	169	1	658	658	NUM
easat-9395	169	2	edelweiss	edelweiss	PROPN
easat-9395	169	3	applied	apply	VERB
easat-9395	169	4	science	science	NOUN
easat-9395	169	5	and	and	CCONJ
easat-9395	169	6	technology	technology	NOUN
easat-9395	169	7	issn	issn	PROPN
easat-9395	169	8	:	:	PUNCT
easat-9395	169	9	2576	2576	NUM
easat-9395	169	10	-	-	SYM
easat-9395	169	11	8484	8484	NUM
easat-9395	169	12	vol	vol	NOUN
easat-9395	169	13	.	.	PROPN
easat-9395	170	1	9	9	NUM
easat-9395	170	2	,	,	PUNCT
easat-9395	170	3	no	no	INTJ
easat-9395	170	4	.	.	NOUN
easat-9395	170	5	8	8	NUM
easat-9395	170	6	:	:	PUNCT
easat-9395	170	7	652	652	NUM
easat-9395	170	8	-	-	SYM
easat-9395	170	9	665	665	NUM
easat-9395	170	10	,	,	PUNCT
easat-9395	170	11	2025	2025	NUM
easat-9395	170	12	doi	doi	NOUN
easat-9395	170	13	:	:	PUNCT
easat-9395	170	14	10.55214/2576	10.55214/2576	NUM
easat-9395	170	15	-	-	NOUN
easat-9395	170	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	170	17	©	©	PROPN
easat-9395	170	18	2025	2025	NUM
easat-9395	170	19	by	by	ADP
easat-9395	170	20	the	the	DET
easat-9395	170	21	authors	author	NOUN
easat-9395	170	22	;	;	PUNCT
easat-9395	170	23	licensee	licensee	PROPN
easat-9395	170	24	learning	learn	VERB
easat-9395	170	25	gate	gate	NOUN
easat-9395	170	26	table	table	NOUN
easat-9395	170	27	2	2	NUM
easat-9395	170	28	.	.	PUNCT
easat-9395	170	29	measurement	measurement	NOUN
easat-9395	170	30	model	model	PROPN
easat-9395	170	31	.	.	PUNCT
easat-9395	171	1	variable	variable	ADJ
easat-9395	171	2	items	item	NOUN
easat-9395	171	3	loading	load	VERB
easat-9395	171	4	factors	factor	NOUN
easat-9395	171	5			PRON
easat-9395	171	6	cr	cr	PART
easat-9395	171	7	ave	ave	VERB
easat-9395	171	8	financial	financial	ADJ
easat-9395	171	9	literacy	literacy	NOUN
easat-9395	171	10	fl.1	fl.1	PROPN
easat-9395	171	11	0.763	0.763	NUM
easat-9395	171	12	0.785	0.785	NUM
easat-9395	171	13	0.861	0.861	NUM
easat-9395	171	14	0.608	0.608	NUM
easat-9395	171	15	fl.2	fl.2	PROPN
easat-9395	171	16	0.777	0.777	NUM
easat-9395	171	17	fl.3	fl.3	PROPN
easat-9395	171	18	0.804	0.804	NUM
easat-9395	171	19	fl.4	fl.4	PROPN
easat-9395	171	20	0.773	0.773	NUM
easat-9395	171	21	financial	financial	ADJ
easat-9395	171	22	risk	risk	NOUN
easat-9395	171	23	tolerance	tolerance	NOUN
easat-9395	171	24	frt.1	frt.1	PROPN
easat-9395	171	25	0.861	0.861	NUM
easat-9395	171	26	0.836	0.836	NUM
easat-9395	171	27	0.902	0.902	NUM
easat-9395	171	28	0.753	0.753	NUM
easat-9395	171	29	frt.2	frt.2	NOUN
easat-9395	171	30	0.887	0.887	NUM
easat-9395	171	31	frt.3	frt.3	NUM
easat-9395	171	32	0.855	0.855	NUM
easat-9395	171	33	financial	financial	ADJ
easat-9395	171	34	behavior	behavior	NOUN
easat-9395	171	35	fb.1	fb.1	NOUN
easat-9395	171	36	0.791	0.791	NUM
easat-9395	171	37	0.839	0.839	NUM
easat-9395	171	38	0.892	0.892	NUM
easat-9395	171	39	0.673	0.673	NUM
easat-9395	171	40	fb.2	fb.2	NOUN
easat-9395	171	41	0.845	0.845	NUM
easat-9395	171	42	fb.3	fb.3	PROPN
easat-9395	171	43	0.822	0.822	NUM
easat-9395	171	44	fb.4	fb.4	PROPN
easat-9395	171	45	0.824	0.824	NUM
easat-9395	171	46	financial	financial	ADJ
easat-9395	171	47	satisfaction	satisfaction	NOUN
easat-9395	171	48	fs.1	fs.1	PROPN
easat-9395	171	49	0.836	0.836	NUM
easat-9395	171	50	0.846	0.846	NUM
easat-9395	171	51	0.985	0.985	NUM
easat-9395	171	52	0.681	0.681	NUM
easat-9395	171	53	fs.2	fs.2	NOUN
easat-9395	171	54	0.790	0.790	PRON
easat-9395	171	55	fs.3	fs.3	NOUN
easat-9395	171	56	0.818	0.818	NUM
easat-9395	171	57	fs.4	fs.4	NOUN
easat-9395	171	58	0.856	0.856	NUM
easat-9395	171	59	note	note	NOUN
easat-9395	171	60	:	:	PUNCT
easat-9395	171	61			X
easat-9395	171	62	=	=	SYM
easat-9395	171	63	cronbach	cronbach	PROPN
easat-9395	171	64	’s	’s	PART
easat-9395	171	65	alpha	alpha	NOUN
easat-9395	171	66	,	,	PUNCT
easat-9395	171	67	cr	cr	NOUN
easat-9395	171	68	=	=	NOUN
easat-9395	171	69	composite	composite	ADJ
easat-9395	171	70	reliability	reliability	NOUN
easat-9395	171	71	,	,	PUNCT
easat-9395	171	72	ave=	ave=	PROPN
easat-9395	171	73	average	average	ADJ
easat-9395	171	74	variance	variance	NOUN
easat-9395	171	75	.	.	PUNCT
easat-9395	172	1	the	the	DET
easat-9395	172	2	discriminant	discriminant	ADJ
easat-9395	172	3	validity	validity	NOUN
easat-9395	172	4	can	can	AUX
easat-9395	172	5	be	be	AUX
easat-9395	172	6	assessed	assess	VERB
easat-9395	172	7	by	by	ADP
easat-9395	172	8	comparing	compare	VERB
easat-9395	172	9	the	the	DET
easat-9395	172	10	square	square	ADJ
easat-9395	172	11	root	root	NOUN
easat-9395	172	12	of	of	ADP
easat-9395	172	13	the	the	DET
easat-9395	172	14	ave	ave	NOUN
easat-9395	172	15	for	for	ADP
easat-9395	172	16	each	each	DET
easat-9395	172	17	latent	latent	NOUN
easat-9395	172	18	variable	variable	NOUN
easat-9395	172	19	with	with	ADP
easat-9395	172	20	its	its	PRON
easat-9395	172	21	correlations	correlation	NOUN
easat-9395	172	22	with	with	ADP
easat-9395	172	23	other	other	ADJ
easat-9395	172	24	variables	variable	NOUN
easat-9395	172	25	.	.	PUNCT
easat-9395	173	1	if	if	SCONJ
easat-9395	173	2	the	the	DET
easat-9395	173	3	square	square	ADJ
easat-9395	173	4	root	root	NOUN
easat-9395	173	5	of	of	ADP
easat-9395	173	6	the	the	DET
easat-9395	173	7	ave	ave	NOUN
easat-9395	173	8	exceeds	exceed	VERB
easat-9395	173	9	the	the	DET
easat-9395	173	10	correlations	correlation	NOUN
easat-9395	173	11	,	,	PUNCT
easat-9395	173	12	the	the	DET
easat-9395	173	13	instrument	instrument	NOUN
easat-9395	173	14	is	be	AUX
easat-9395	173	15	deemed	deem	VERB
easat-9395	173	16	to	to	PART
easat-9395	173	17	possess	possess	VERB
easat-9395	173	18	strong	strong	ADJ
easat-9395	173	19	discriminant	discriminant	ADJ
easat-9395	173	20	validity	validity	NOUN
easat-9395	173	21	.	.	PUNCT
easat-9395	174	1	table	table	NOUN
easat-9395	174	2	4	4	NUM
easat-9395	174	3	presents	present	VERB
easat-9395	174	4	the	the	DET
easat-9395	174	5	square	square	ADJ
easat-9395	174	6	root	root	NOUN
easat-9395	174	7	calculations	calculation	NOUN
easat-9395	174	8	for	for	ADP
easat-9395	174	9	the	the	DET
easat-9395	174	10	ave	ave	NOUN
easat-9395	174	11	results	result	NOUN
easat-9395	174	12	.	.	PUNCT
easat-9395	175	1	this	this	DET
easat-9395	175	2	study	study	NOUN
easat-9395	175	3	concludes	conclude	VERB
easat-9395	175	4	that	that	SCONJ
easat-9395	175	5	there	there	PRON
easat-9395	175	6	was	be	VERB
easat-9395	175	7	substantial	substantial	ADJ
easat-9395	175	8	discriminant	discriminant	ADJ
easat-9395	175	9	validity	validity	NOUN
easat-9395	175	10	,	,	PUNCT
easat-9395	175	11	as	as	SCONJ
easat-9395	175	12	the	the	DET
easat-9395	175	13	correlation	correlation	NOUN
easat-9395	175	14	coefficients	coefficient	VERB
easat-9395	175	15	between	between	ADP
easat-9395	175	16	fb	fb	NOUN
easat-9395	175	17	and	and	CCONJ
easat-9395	175	18	the	the	DET
easat-9395	175	19	other	other	ADJ
easat-9395	175	20	variables	variable	NOUN
easat-9395	175	21	ranged	range	VERB
easat-9395	175	22	from	from	ADP
easat-9395	175	23	0.780	0.780	NUM
easat-9395	175	24	to	to	ADP
easat-9395	175	25	0.868	0.868	NUM
easat-9395	175	26	.	.	PUNCT
easat-9395	176	1	table	table	NOUN
easat-9395	176	2	3	3	NUM
easat-9395	176	3	.	.	X
easat-9395	176	4	discriminant	discriminant	PROPN
easat-9395	176	5	validty	validty	PROPN
easat-9395	176	6	result	result	VERB
easat-9395	176	7	:	:	PUNCT
easat-9395	176	8	fornell	fornell	PROPN
easat-9395	176	9	&	&	CCONJ
easat-9395	176	10	larcker	larcker	PROPN
easat-9395	176	11	variabel	variabel	PROPN
easat-9395	177	1	fb	fb	INTJ
easat-9395	178	1	fl	fl	PROPN
easat-9395	178	2	frt	frt	PROPN
easat-9395	178	3	fs	fs	INTJ
easat-9395	178	4	fb	fb	INTJ
easat-9395	178	5	(	(	PUNCT
easat-9395	178	6	0.821	0.821	NUM
easat-9395	178	7	)	)	PUNCT
easat-9395	178	8	fl	fl	ADP
easat-9395	178	9	0.338	0.338	NUM
easat-9395	178	10	(	(	PUNCT
easat-9395	178	11	0.780	0.780	NUM
easat-9395	178	12	)	)	PUNCT
easat-9395	178	13	frt	frt	VERB
easat-9395	178	14	0.552	0.552	NUM
easat-9395	178	15	0.219	0.219	NUM
easat-9395	178	16	(	(	PUNCT
easat-9395	178	17	0.868	0.868	NUM
easat-9395	178	18	)	)	PUNCT
easat-9395	178	19	fs	fs	ADP
easat-9395	178	20	0.442	0.442	NUM
easat-9395	178	21	0.540	0.540	NUM
easat-9395	178	22	0.436	0.436	NUM
easat-9395	178	23	(	(	PUNCT
easat-9395	178	24	0.825	0.825	NUM
easat-9395	178	25	)	)	PUNCT
easat-9395	178	26	note	note	NOUN
easat-9395	178	27	:	:	PUNCT
easat-9395	179	1	fs	fs	PART
easat-9395	179	2	=	=	ADJ
easat-9395	179	3	financial	financial	ADJ
easat-9395	179	4	satisfaction	satisfaction	NOUN
easat-9395	179	5	,	,	PUNCT
easat-9395	179	6	fb	fb	ADJ
easat-9395	179	7	=	=	ADJ
easat-9395	179	8	financial	financial	ADJ
easat-9395	179	9	behavior	behavior	NOUN
easat-9395	179	10	,	,	PUNCT
easat-9395	179	11	frt	frt	NOUN
easat-9395	179	12	=	=	ADJ
easat-9395	179	13	financial	financial	ADJ
easat-9395	179	14	risk	risk	NOUN
easat-9395	179	15	tolerance	tolerance	NOUN
easat-9395	179	16	,	,	PUNCT
easat-9395	179	17	fl=	fl=	ADJ
easat-9395	179	18	financial	financial	ADJ
easat-9395	179	19	literacy	literacy	NOUN
easat-9395	179	20	table	table	NOUN
easat-9395	179	21	4	4	NUM
easat-9395	179	22	.	.	PUNCT
easat-9395	180	1	discriminant	discriminant	ADJ
easat-9395	180	2	validity	validity	NOUN
easat-9395	180	3	using	use	VERB
easat-9395	180	4	htmt	htmt	NOUN
easat-9395	180	5	.	.	PUNCT
easat-9395	181	1	variable	variable	ADJ
easat-9395	182	1	fb	fb	INTJ
easat-9395	182	2	fl	fl	INTJ
easat-9395	182	3	frt	frt	PROPN
easat-9395	182	4	fl	fl	NUM
easat-9395	182	5	0.414	0.414	NUM
easat-9395	182	6	frt	frt	NOUN
easat-9395	182	7	0.644	0.644	NUM
easat-9395	182	8	0.269	0.269	NUM
easat-9395	182	9	fs	fs	ADP
easat-9395	182	10	0.516	0.516	NUM
easat-9395	182	11	0.638	0.638	NUM
easat-9395	182	12	0.511	0.511	NUM
easat-9395	182	13	note	note	NOUN
easat-9395	182	14	:	:	PUNCT
easat-9395	182	15	fs	fs	PART
easat-9395	182	16	=	=	ADJ
easat-9395	182	17	financial	financial	ADJ
easat-9395	182	18	satisfaction	satisfaction	NOUN
easat-9395	182	19	,	,	PUNCT
easat-9395	182	20	fb	fb	ADJ
easat-9395	182	21	=	=	ADJ
easat-9395	182	22	financial	financial	ADJ
easat-9395	182	23	behavior	behavior	NOUN
easat-9395	182	24	,	,	PUNCT
easat-9395	182	25	frt	frt	NOUN
easat-9395	182	26	=	=	ADJ
easat-9395	182	27	financial	financial	ADJ
easat-9395	182	28	risk	risk	NOUN
easat-9395	182	29	tolerance	tolerance	NOUN
easat-9395	182	30	,	,	PUNCT
easat-9395	182	31	fl=	fl=	ADJ
easat-9395	182	32	financial	financial	ADJ
easat-9395	182	33	literacy	literacy	NOUN
easat-9395	182	34	4.3	4.3	NUM
easat-9395	182	35	.	.	PUNCT
easat-9395	182	36	structural	structural	ADJ
easat-9395	182	37	model	model	NOUN
easat-9395	182	38	following	follow	VERB
easat-9395	182	39	the	the	DET
easat-9395	182	40	evaluation	evaluation	NOUN
easat-9395	182	41	of	of	ADP
easat-9395	182	42	the	the	DET
easat-9395	182	43	outer	outer	ADJ
easat-9395	182	44	model	model	NOUN
easat-9395	182	45	,	,	PUNCT
easat-9395	182	46	the	the	DET
easat-9395	182	47	next	next	ADJ
easat-9395	182	48	step	step	NOUN
easat-9395	182	49	involved	involve	VERB
easat-9395	182	50	assessing	assess	VERB
easat-9395	182	51	the	the	DET
easat-9395	182	52	structural	structural	ADJ
easat-9395	182	53	model	model	NOUN
easat-9395	182	54	,	,	PUNCT
easat-9395	182	55	adhering	adhere	VERB
easat-9395	182	56	to	to	ADP
easat-9395	182	57	the	the	DET
easat-9395	182	58	analysis	analysis	NOUN
easat-9395	182	59	procedures	procedure	NOUN
easat-9395	182	60	outlined	outline	VERB
easat-9395	182	61	by	by	ADP
easat-9395	182	62	hair	hair	NOUN
easat-9395	182	63	,	,	PUNCT
easat-9395	182	64	et	et	PROPN
easat-9395	182	65	al	al	PROPN
easat-9395	182	66	.	.	PUNCT
easat-9395	183	1	[	[	X
easat-9395	183	2	57	57	NUM
easat-9395	183	3	]	]	PUNCT
easat-9395	183	4	and	and	CCONJ
easat-9395	183	5	hair	hair	NOUN
easat-9395	183	6	,	,	PUNCT
easat-9395	183	7	et	et	PROPN
easat-9395	183	8	al	al	PROPN
easat-9395	183	9	.	.	PUNCT
easat-9395	184	1	[	[	X
easat-9395	184	2	58	58	NUM
easat-9395	184	3	]	]	PUNCT
easat-9395	184	4	.	.	PUNCT
easat-9395	185	1	the	the	DET
easat-9395	185	2	inner	inner	ADJ
easat-9395	185	3	model	model	NOUN
easat-9395	185	4	analysis	analysis	NOUN
easat-9395	185	5	included	include	VERB
easat-9395	185	6	various	various	ADJ
easat-9395	185	7	procedures	procedure	NOUN
easat-9395	185	8	such	such	ADJ
easat-9395	185	9	as	as	ADP
easat-9395	185	10	multicollinearity	multicollinearity	NOUN
easat-9395	185	11	testing	testing	NOUN
easat-9395	185	12	,	,	PUNCT
easat-9395	185	13	r2	r2	PROPN
easat-9395	185	14	assessment	assessment	NOUN
easat-9395	185	15	,	,	PUNCT
easat-9395	185	16	f2	f2	PROPN
easat-9395	185	17	evaluation	evaluation	NOUN
easat-9395	185	18	,	,	PUNCT
easat-9395	185	19	and	and	CCONJ
easat-9395	185	20	predictive	predictive	ADJ
easat-9395	185	21	q2	q2	NOUN
easat-9395	185	22	analysis	analysis	NOUN
easat-9395	185	23	.	.	PUNCT
easat-9395	186	1	the	the	DET
easat-9395	186	2	initial	initial	ADJ
easat-9395	186	3	step	step	NOUN
easat-9395	186	4	,	,	PUNCT
easat-9395	186	5	the	the	DET
easat-9395	186	6	multicollinearity	multicollinearity	NOUN
easat-9395	186	7	test	test	NOUN
easat-9395	186	8	,	,	PUNCT
easat-9395	186	9	aimed	aim	VERB
easat-9395	186	10	to	to	PART
easat-9395	186	11	determine	determine	VERB
easat-9395	186	12	whether	whether	SCONJ
easat-9395	186	13	the	the	DET
easat-9395	186	14	relationships	relationship	NOUN
easat-9395	186	15	among	among	ADP
easat-9395	186	16	the	the	DET
easat-9395	186	17	tested	test	VERB
easat-9395	186	18	variables	variable	NOUN
easat-9395	186	19	exhibited	exhibit	VERB
easat-9395	186	20	multicollinearity	multicollinearity	NOUN
easat-9395	186	21	.	.	PUNCT
easat-9395	187	1	hair	hair	NOUN
easat-9395	187	2	,	,	PUNCT
easat-9395	187	3	et	et	PROPN
easat-9395	187	4	al	al	PROPN
easat-9395	187	5	.	.	PUNCT
easat-9395	188	1	[	[	X
easat-9395	188	2	57	57	NUM
easat-9395	188	3	]	]	PUNCT
easat-9395	188	4	suggested	suggest	VERB
easat-9395	188	5	using	use	VERB
easat-9395	188	6	the	the	DET
easat-9395	188	7	vif	vif	NOUN
easat-9395	188	8	to	to	PART
easat-9395	188	9	detect	detect	VERB
easat-9395	188	10	multicollinearity	multicollinearity	NOUN
easat-9395	188	11	,	,	PUNCT
easat-9395	188	12	with	with	ADP
easat-9395	188	13	a	a	DET
easat-9395	188	14	threshold	threshold	NOUN
easat-9395	188	15	of	of	ADP
easat-9395	188	16	vif	vif	NOUN
easat-9395	188	17	<	<	X
easat-9395	188	18	5.00	5.00	NUM
easat-9395	188	19	.	.	PUNCT
easat-9395	189	1	based	base	VERB
easat-9395	189	2	on	on	ADP
easat-9395	189	3	the	the	DET
easat-9395	189	4	vif	vif	NOUN
easat-9395	189	5	results	result	NOUN
easat-9395	189	6	,	,	PUNCT
easat-9395	189	7	which	which	PRON
easat-9395	189	8	adhered	adhere	VERB
easat-9395	189	9	to	to	ADP
easat-9395	189	10	the	the	DET
easat-9395	189	11	recommended	recommend	VERB
easat-9395	189	12	threshold	threshold	NOUN
easat-9395	189	13	of	of	ADP
easat-9395	189	14	vif	vif	NOUN
easat-9395	189	15	<	<	X
easat-9395	189	16	5.00	5.00	NUM
easat-9395	189	17	,	,	PUNCT
easat-9395	189	18	there	there	PRON
easat-9395	189	19	was	be	VERB
easat-9395	189	20	no	no	DET
easat-9395	189	21	evidence	evidence	NOUN
easat-9395	189	22	of	of	ADP
easat-9395	189	23	multicollinearity	multicollinearity	NOUN
easat-9395	189	24	.	.	PUNCT
easat-9395	190	1	thus	thus	ADV
easat-9395	190	2	,	,	PUNCT
easat-9395	190	3	the	the	DET
easat-9395	190	4	relationships	relationship	NOUN
easat-9395	190	5	among	among	ADP
easat-9395	190	6	fl	fl	PROPN
easat-9395	190	7	,	,	PUNCT
easat-9395	190	8	fb	fb	INTJ
easat-9395	190	9	,	,	PUNCT
easat-9395	190	10	frt	frt	NOUN
easat-9395	190	11	,	,	PUNCT
easat-9395	190	12	and	and	CCONJ
easat-9395	190	13	fs	f	NOUN
easat-9395	190	14	showed	show	VERB
easat-9395	190	15	no	no	DET
easat-9395	190	16	signs	sign	NOUN
easat-9395	190	17	of	of	ADP
easat-9395	190	18	collinearity	collinearity	NOUN
easat-9395	190	19	.	.	PUNCT
easat-9395	191	1	table	table	NOUN
easat-9395	191	2	5	5	NUM
easat-9395	191	3	presents	present	VERB
easat-9395	191	4	the	the	DET
easat-9395	191	5	collinearity	collinearity	NOUN
easat-9395	191	6	test	test	NOUN
easat-9395	191	7	results	result	NOUN
easat-9395	191	8	,	,	PUNCT
easat-9395	191	9	confirming	confirm	VERB
easat-9395	191	10	that	that	SCONJ
easat-9395	191	11	none	none	NOUN
easat-9395	191	12	of	of	ADP
easat-9395	191	13	the	the	DET
easat-9395	191	14	estimated	estimate	VERB
easat-9395	191	15	indicators	indicator	NOUN
easat-9395	191	16	of	of	ADP
easat-9395	191	17	the	the	DET
easat-9395	191	18	constructs	construct	NOUN
easat-9395	191	19	exhibited	exhibit	VERB
easat-9395	191	20	collinearity	collinearity	NOUN
easat-9395	191	21	,	,	PUNCT
easat-9395	191	22	allowing	allow	VERB
easat-9395	191	23	for	for	ADP
easat-9395	191	24	further	further	ADJ
easat-9395	191	25	inner	inner	ADJ
easat-9395	191	26	model	model	NOUN
easat-9395	191	27	analysis	analysis	NOUN
easat-9395	191	28	.	.	PUNCT
easat-9395	192	1	659	659	NUM
easat-9395	192	2	edelweiss	edelweiss	PROPN
easat-9395	192	3	applied	apply	VERB
easat-9395	192	4	science	science	NOUN
easat-9395	192	5	and	and	CCONJ
easat-9395	192	6	technology	technology	NOUN
easat-9395	192	7	issn	issn	PROPN
easat-9395	192	8	:	:	PUNCT
easat-9395	192	9	2576	2576	NUM
easat-9395	192	10	-	-	SYM
easat-9395	192	11	8484	8484	NUM
easat-9395	192	12	vol	vol	NOUN
easat-9395	192	13	.	.	PROPN
easat-9395	193	1	9	9	NUM
easat-9395	193	2	,	,	PUNCT
easat-9395	193	3	no	no	INTJ
easat-9395	193	4	.	.	NOUN
easat-9395	193	5	8	8	NUM
easat-9395	193	6	:	:	PUNCT
easat-9395	193	7	652	652	NUM
easat-9395	193	8	-	-	SYM
easat-9395	193	9	665	665	NUM
easat-9395	193	10	,	,	PUNCT
easat-9395	193	11	2025	2025	NUM
easat-9395	193	12	doi	doi	NOUN
easat-9395	193	13	:	:	PUNCT
easat-9395	193	14	10.55214/2576	10.55214/2576	NUM
easat-9395	193	15	-	-	NOUN
easat-9395	193	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	193	17	©	©	PROPN
easat-9395	193	18	2025	2025	NUM
easat-9395	193	19	by	by	ADP
easat-9395	193	20	the	the	DET
easat-9395	193	21	authors	author	NOUN
easat-9395	193	22	;	;	PUNCT
easat-9395	193	23	licensee	licensee	PROPN
easat-9395	193	24	learning	learn	VERB
easat-9395	193	25	gate	gate	NOUN
easat-9395	193	26	table	table	NOUN
easat-9395	193	27	5	5	NUM
easat-9395	193	28	.	.	PUNCT
easat-9395	193	29	vif	vif	NOUN
easat-9395	193	30	test	test	NOUN
easat-9395	193	31	results	result	NOUN
easat-9395	193	32	.	.	PUNCT
easat-9395	194	1	fs	fs	INTJ
easat-9395	194	2	fl	fl	INTJ
easat-9395	195	1	fb	fb	INTJ
easat-9395	196	1	frt	frt	PROPN
easat-9395	196	2	fs	fs	ADP
easat-9395	196	3	fl	fl	NUM
easat-9395	196	4	1.549	1.549	NUM
easat-9395	196	5	1.051	1.051	NUM
easat-9395	196	6	fb	fb	NOUN
easat-9395	196	7	1.131	1.131	NUM
easat-9395	196	8	frt	frt	NOUN
easat-9395	196	9	1.442	1.442	NUM
easat-9395	196	10	1.051	1.051	NUM
easat-9395	196	11	note	note	NOUN
easat-9395	196	12	:	:	PUNCT
easat-9395	196	13	fs	fs	PART
easat-9395	196	14	=	=	ADJ
easat-9395	196	15	financial	financial	ADJ
easat-9395	196	16	satisfaction	satisfaction	NOUN
easat-9395	196	17	,	,	PUNCT
easat-9395	196	18	fb	fb	ADJ
easat-9395	196	19	=	=	ADJ
easat-9395	196	20	financial	financial	ADJ
easat-9395	196	21	behavior	behavior	NOUN
easat-9395	196	22	,	,	PUNCT
easat-9395	196	23	frt	frt	NOUN
easat-9395	196	24	=	=	ADJ
easat-9395	196	25	financial	financial	ADJ
easat-9395	196	26	risk	risk	NOUN
easat-9395	196	27	tolerance	tolerance	NOUN
easat-9395	196	28	,	,	PUNCT
easat-9395	196	29	fl=	fl=	ADJ
easat-9395	196	30	financial	financial	ADJ
easat-9395	196	31	literacy	literacy	NOUN
easat-9395	196	32	the	the	DET
easat-9395	196	33	subsequent	subsequent	ADJ
easat-9395	196	34	step	step	NOUN
easat-9395	196	35	in	in	ADP
easat-9395	196	36	inner	inner	ADJ
easat-9395	196	37	model	model	NOUN
easat-9395	196	38	testing	testing	NOUN
easat-9395	196	39	is	be	AUX
easat-9395	196	40	the	the	DET
easat-9395	196	41	r	r	NOUN
easat-9395	196	42	-	-	PUNCT
easat-9395	196	43	squared	square	VERB
easat-9395	196	44	assessment	assessment	NOUN
easat-9395	196	45	,	,	PUNCT
easat-9395	196	46	which	which	PRON
easat-9395	196	47	evaluates	evaluate	VERB
easat-9395	196	48	the	the	DET
easat-9395	196	49	predictive	predictive	ADJ
easat-9395	196	50	strength	strength	NOUN
easat-9395	196	51	of	of	ADP
easat-9395	196	52	endogenous	endogenous	ADJ
easat-9395	196	53	latent	latent	NOUN
easat-9395	196	54	variables	variable	NOUN
easat-9395	196	55	within	within	ADP
easat-9395	196	56	the	the	DET
easat-9395	196	57	model	model	NOUN
easat-9395	196	58	.	.	PUNCT
easat-9395	197	1	the	the	DET
easat-9395	197	2	r²	r²	NOUN
easat-9395	197	3	values	value	NOUN
easat-9395	197	4	serve	serve	VERB
easat-9395	197	5	as	as	ADP
easat-9395	197	6	indicators	indicator	NOUN
easat-9395	197	7	of	of	ADP
easat-9395	197	8	the	the	DET
easat-9395	197	9	predictive	predictive	ADJ
easat-9395	197	10	accuracy	accuracy	NOUN
easat-9395	197	11	of	of	ADP
easat-9395	197	12	these	these	DET
easat-9395	197	13	variables	variable	NOUN
easat-9395	197	14	[	[	X
easat-9395	197	15	57	57	NUM
easat-9395	197	16	]	]	PUNCT
easat-9395	197	17	.	.	PUNCT
easat-9395	198	1	according	accord	VERB
easat-9395	198	2	to	to	ADP
easat-9395	198	3	chin	chin	NOUN
easat-9395	198	4	[	[	X
easat-9395	198	5	59	59	NUM
easat-9395	198	6	]	]	PUNCT
easat-9395	198	7	the	the	DET
easat-9395	198	8	criteria	criterion	NOUN
easat-9395	198	9	for	for	ADP
easat-9395	198	10	interpreting	interpret	VERB
easat-9395	198	11	r²	r²	NOUN
easat-9395	198	12	values	value	NOUN
easat-9395	198	13	of	of	ADP
easat-9395	198	14	0.67	0.67	NUM
easat-9395	198	15	indicates	indicate	VERB
easat-9395	198	16	a	a	DET
easat-9395	198	17	strong	strong	ADJ
easat-9395	198	18	model	model	NOUN
easat-9395	198	19	,	,	PUNCT
easat-9395	198	20	0.33	0.33	NUM
easat-9395	198	21	represents	represent	VERB
easat-9395	198	22	a	a	DET
easat-9395	198	23	moderate	moderate	ADJ
easat-9395	198	24	model	model	NOUN
easat-9395	198	25	,	,	PUNCT
easat-9395	198	26	and	and	CCONJ
easat-9395	198	27	0.19	0.19	NUM
easat-9395	198	28	signifies	signify	VERB
easat-9395	198	29	a	a	DET
easat-9395	198	30	weak	weak	ADJ
easat-9395	198	31	model	model	NOUN
easat-9395	198	32	.	.	PUNCT
easat-9395	199	1	table	table	NOUN
easat-9395	199	2	6	6	NUM
easat-9395	199	3	.	.	PUNCT
easat-9395	200	1	r²	r²	NOUN
easat-9395	200	2	estimation	estimation	NOUN
easat-9395	200	3	.	.	PUNCT
easat-9395	201	1	r2	r2	PROPN
easat-9395	201	2	category	category	NOUN
easat-9395	201	3	fs	fs	ADP
easat-9395	201	4	0.413	0.413	NUM
easat-9395	201	5	moderate	moderate	ADJ
easat-9395	201	6	frt	frt	NOUN
easat-9395	201	7	0.542	0.542	NUM
easat-9395	201	8	moderate	moderate	ADJ
easat-9395	201	9	fb	fb	NOUN
easat-9395	201	10	0.355	0.355	NUM
easat-9395	201	11	moderate	moderate	ADJ
easat-9395	201	12	note	note	NOUN
easat-9395	201	13	:	:	PUNCT
easat-9395	201	14	fs	fs	PART
easat-9395	201	15	=	=	ADJ
easat-9395	201	16	financial	financial	ADJ
easat-9395	201	17	satisfaction	satisfaction	NOUN
easat-9395	201	18	,	,	PUNCT
easat-9395	201	19	fb	fb	ADJ
easat-9395	201	20	=	=	ADJ
easat-9395	201	21	financial	financial	ADJ
easat-9395	201	22	behavior	behavior	NOUN
easat-9395	201	23	,	,	PUNCT
easat-9395	201	24	frt	frt	NOUN
easat-9395	201	25	=	=	ADJ
easat-9395	201	26	financial	financial	ADJ
easat-9395	201	27	risk	risk	NOUN
easat-9395	201	28	tolerance	tolerance	NOUN
easat-9395	201	29	,	,	PUNCT
easat-9395	201	30	fl=	fl=	ADJ
easat-9395	201	31	financial	financial	ADJ
easat-9395	201	32	literacy	literacy	NOUN
easat-9395	201	33	.	.	PUNCT
easat-9395	202	1	table	table	NOUN
easat-9395	202	2	6	6	NUM
easat-9395	202	3	revealed	reveal	VERB
easat-9395	202	4	that	that	SCONJ
easat-9395	202	5	fs	fs	PROPN
easat-9395	202	6	has	have	VERB
easat-9395	202	7	an	an	DET
easat-9395	202	8	r²	r²	ADJ
easat-9395	202	9	value	value	NOUN
easat-9395	202	10	of	of	ADP
easat-9395	202	11	0.413	0.413	NUM
easat-9395	202	12	,	,	PUNCT
easat-9395	202	13	indicating	indicate	VERB
easat-9395	202	14	the	the	DET
easat-9395	202	15	variance	variance	NOUN
easat-9395	202	16	of	of	ADP
easat-9395	202	17	41.3	41.3	NUM
easat-9395	202	18	%	%	NOUN
easat-9395	202	19	in	in	ADP
easat-9395	202	20	fs	f	NOUN
easat-9395	202	21	is	be	AUX
easat-9395	202	22	explained	explain	VERB
easat-9395	202	23	by	by	ADP
easat-9395	202	24	fl	fl	PROPN
easat-9395	202	25	,	,	PUNCT
easat-9395	202	26	frt	frt	NOUN
easat-9395	202	27	,	,	PUNCT
easat-9395	202	28	and	and	CCONJ
easat-9395	202	29	fb	fb	INTJ
easat-9395	202	30	,	,	PUNCT
easat-9395	202	31	reflecting	reflect	VERB
easat-9395	202	32	a	a	DET
easat-9395	202	33	moderate	moderate	ADJ
easat-9395	202	34	level	level	NOUN
easat-9395	202	35	of	of	ADP
easat-9395	202	36	predictive	predictive	ADJ
easat-9395	202	37	accuracy	accuracy	NOUN
easat-9395	202	38	.	.	PUNCT
easat-9395	203	1	additionally	additionally	ADV
easat-9395	203	2	,	,	PUNCT
easat-9395	203	3	fb	fb	PRON
easat-9395	203	4	exhibited	exhibit	VERB
easat-9395	203	5	an	an	DET
easat-9395	203	6	r²	r²	NOUN
easat-9395	203	7	value	value	NOUN
easat-9395	203	8	of	of	ADP
easat-9395	203	9	0.355	0.355	NUM
easat-9395	203	10	,	,	PUNCT
easat-9395	203	11	showing	show	VERB
easat-9395	203	12	that	that	SCONJ
easat-9395	203	13	35.5	35.5	NUM
easat-9395	203	14	%	%	NOUN
easat-9395	203	15	of	of	ADP
easat-9395	203	16	its	its	PRON
easat-9395	203	17	variance	variance	NOUN
easat-9395	203	18	can	can	AUX
easat-9395	203	19	be	be	AUX
easat-9395	203	20	attributed	attribute	VERB
easat-9395	203	21	to	to	ADP
easat-9395	203	22	fl	fl	PROPN
easat-9395	203	23	and	and	CCONJ
easat-9395	203	24	frt	frt	NOUN
easat-9395	203	25	,	,	PUNCT
easat-9395	203	26	also	also	ADV
easat-9395	203	27	indicating	indicate	VERB
easat-9395	203	28	a	a	DET
easat-9395	203	29	moderate	moderate	ADJ
easat-9395	203	30	prediction	prediction	NOUN
easat-9395	203	31	level	level	NOUN
easat-9395	203	32	.	.	PUNCT
easat-9395	204	1	the	the	DET
easat-9395	204	2	third	third	ADJ
easat-9395	204	3	step	step	NOUN
easat-9395	204	4	involved	involve	VERB
easat-9395	204	5	evaluating	evaluate	VERB
easat-9395	204	6	the	the	DET
easat-9395	204	7	effect	effect	NOUN
easat-9395	204	8	size	size	NOUN
easat-9395	204	9	(	(	PUNCT
easat-9395	204	10	f²	f²	PROPN
easat-9395	204	11	)	)	PUNCT
easat-9395	204	12	.	.	PUNCT
easat-9395	205	1	this	this	DET
easat-9395	205	2	study	study	NOUN
easat-9395	205	3	followed	follow	VERB
easat-9395	205	4	the	the	DET
easat-9395	205	5	guidelines	guideline	NOUN
easat-9395	205	6	of	of	ADP
easat-9395	205	7	hair	hair	NOUN
easat-9395	205	8	,	,	PUNCT
easat-9395	205	9	et	et	PROPN
easat-9395	205	10	al	al	PROPN
easat-9395	205	11	.	.	PUNCT
easat-9395	206	1	[	[	X
easat-9395	206	2	57	57	NUM
easat-9395	206	3	]	]	PUNCT
easat-9395	206	4	and	and	CCONJ
easat-9395	206	5	chin	chin	NOUN
easat-9395	206	6	[	[	X
easat-9395	206	7	59	59	NUM
easat-9395	206	8	]	]	PUNCT
easat-9395	206	9	which	which	PRON
easat-9395	206	10	propose	propose	VERB
easat-9395	206	11	thresholds	threshold	NOUN
easat-9395	206	12	of	of	ADP
easat-9395	206	13	0.02	0.02	NUM
easat-9395	206	14	,	,	PUNCT
easat-9395	206	15	0.15	0.15	NUM
easat-9395	206	16	,	,	PUNCT
easat-9395	206	17	and	and	CCONJ
easat-9395	206	18	0.35	0.35	NUM
easat-9395	206	19	,	,	PUNCT
easat-9395	206	20	corresponding	correspond	VERB
easat-9395	206	21	to	to	ADP
easat-9395	206	22	small	small	ADJ
easat-9395	206	23	,	,	PUNCT
easat-9395	206	24	moderate	moderate	ADJ
easat-9395	206	25	,	,	PUNCT
easat-9395	206	26	and	and	CCONJ
easat-9395	206	27	large	large	ADJ
easat-9395	206	28	effect	effect	NOUN
easat-9395	206	29	sizes	size	NOUN
easat-9395	206	30	,	,	PUNCT
easat-9395	206	31	respectively	respectively	ADV
easat-9395	206	32	.	.	PUNCT
easat-9395	206	33	table	table	NOUN
easat-9395	206	34	7	7	NUM
easat-9395	206	35	.	.	PUNCT
easat-9395	207	1	f²	f²	ADJ
easat-9395	207	2	estimation	estimation	NOUN
easat-9395	207	3	.	.	PUNCT
easat-9395	208	1	f2	f2	PROPN
easat-9395	208	2	category	category	NOUN
easat-9395	208	3	fl	fl	NOUN
easat-9395	208	4	→	→	SYM
easat-9395	208	5	fs	fs	ADP
easat-9395	208	6	0.325	0.325	NUM
easat-9395	208	7	moderate	moderate	ADJ
easat-9395	208	8	fl	fl	PROPN
easat-9395	208	9	→	→	SYM
easat-9395	208	10	fb	fb	NOUN
easat-9395	208	11	0.421	0.421	NUM
easat-9395	208	12	large	large	ADJ
easat-9395	208	13	frt	frt	NOUN
easat-9395	208	14	→	→	SYM
easat-9395	208	15	fs	fs	ADP
easat-9395	208	16	0.245	0.245	NUM
easat-9395	208	17	moderate	moderate	ADJ
easat-9395	208	18	frt	frt	NOUN
easat-9395	208	19	→	→	SYM
easat-9395	208	20	fb	fb	X
easat-9395	208	21	0.511	0.511	NUM
easat-9395	208	22	large	large	ADJ
easat-9395	208	23	note	note	NOUN
easat-9395	208	24	:	:	PUNCT
easat-9395	208	25	fs	fs	PART
easat-9395	208	26	=	=	ADJ
easat-9395	208	27	financial	financial	ADJ
easat-9395	208	28	satisfaction	satisfaction	NOUN
easat-9395	208	29	,	,	PUNCT
easat-9395	208	30	fb	fb	ADJ
easat-9395	208	31	=	=	ADJ
easat-9395	208	32	financial	financial	ADJ
easat-9395	208	33	behavior	behavior	NOUN
easat-9395	208	34	,	,	PUNCT
easat-9395	208	35	frt	frt	NOUN
easat-9395	208	36	=	=	ADJ
easat-9395	208	37	financial	financial	ADJ
easat-9395	208	38	risk	risk	NOUN
easat-9395	208	39	tolerance	tolerance	NOUN
easat-9395	208	40	,	,	PUNCT
easat-9395	208	41	fl=	fl=	ADJ
easat-9395	208	42	financial	financial	ADJ
easat-9395	208	43	literacy	literacy	NOUN
easat-9395	208	44	.	.	PUNCT
easat-9395	209	1	from	from	ADP
easat-9395	209	2	table	table	NOUN
easat-9395	209	3	7	7	NUM
easat-9395	209	4	,	,	PUNCT
easat-9395	209	5	the	the	DET
easat-9395	209	6	f²	f²	NOUN
easat-9395	209	7	estimation	estimation	NOUN
easat-9395	209	8	shown	show	VERB
easat-9395	209	9	that	that	SCONJ
easat-9395	209	10	fl	fl	PROPN
easat-9395	209	11	has	have	VERB
easat-9395	209	12	a	a	DET
easat-9395	209	13	moderate	moderate	ADJ
easat-9395	209	14	effect	effect	NOUN
easat-9395	209	15	on	on	ADP
easat-9395	209	16	fs	fs	X
easat-9395	209	17	(	(	PUNCT
easat-9395	209	18	f²	f²	PROPN
easat-9395	209	19	=	=	PROPN
easat-9395	209	20	0.325	0.325	NUM
easat-9395	209	21	)	)	PUNCT
easat-9395	209	22	.	.	PUNCT
easat-9395	210	1	similarly	similarly	ADV
easat-9395	210	2	,	,	PUNCT
easat-9395	210	3	fl	fl	PROPN
easat-9395	210	4	has	have	VERB
easat-9395	210	5	a	a	DET
easat-9395	210	6	large	large	ADJ
easat-9395	210	7	effect	effect	NOUN
easat-9395	210	8	on	on	ADP
easat-9395	210	9	fb	fb	INTJ
easat-9395	210	10	(	(	PUNCT
easat-9395	210	11	f²	f²	PROPN
easat-9395	210	12	=	=	NOUN
easat-9395	210	13	0.421	0.421	NUM
easat-9395	210	14	)	)	PUNCT
easat-9395	210	15	.	.	PUNCT
easat-9395	211	1	consequently	consequently	ADV
easat-9395	211	2	,	,	PUNCT
easat-9395	211	3	frt	frt	PROPN
easat-9395	211	4	affects	affect	VERB
easat-9395	211	5	fs	fs	ADP
easat-9395	211	6	and	and	CCONJ
easat-9395	211	7	fb	fb	INTJ
easat-9395	211	8	at	at	ADP
easat-9395	211	9	moderate	moderate	ADJ
easat-9395	211	10	and	and	CCONJ
easat-9395	211	11	large	large	ADJ
easat-9395	211	12	levels	level	NOUN
easat-9395	211	13	(	(	PUNCT
easat-9395	211	14	f²	f²	NOUN
easat-9395	211	15	=	=	SYM
easat-9395	211	16	0.245	0.245	NUM
easat-9395	211	17	,	,	PUNCT
easat-9395	211	18	0.511	0.511	NUM
easat-9395	211	19	,	,	PUNCT
easat-9395	211	20	respectively	respectively	ADV
easat-9395	211	21	)	)	PUNCT
easat-9395	211	22	.	.	PUNCT
easat-9395	212	1	the	the	DET
easat-9395	212	2	fourth	fourth	ADJ
easat-9395	212	3	procedure	procedure	NOUN
easat-9395	212	4	is	be	AUX
easat-9395	212	5	to	to	PART
easat-9395	212	6	evaluate	evaluate	VERB
easat-9395	212	7	whether	whether	SCONJ
easat-9395	212	8	the	the	DET
easat-9395	212	9	q²	q²	ADJ
easat-9395	212	10	value	value	NOUN
easat-9395	212	11	is	be	AUX
easat-9395	212	12	greater	great	ADJ
easat-9395	212	13	than	than	ADP
easat-9395	212	14	0	0	NUM
easat-9395	212	15	,	,	PUNCT
easat-9395	212	16	which	which	PRON
easat-9395	212	17	indicates	indicate	VERB
easat-9395	212	18	the	the	DET
easat-9395	212	19	predictive	predictive	ADJ
easat-9395	212	20	relevance	relevance	NOUN
easat-9395	212	21	.	.	PUNCT
easat-9395	213	1	it	it	PRON
easat-9395	213	2	can	can	AUX
easat-9395	213	3	be	be	AUX
easat-9395	213	4	concluded	conclude	VERB
easat-9395	213	5	that	that	SCONJ
easat-9395	213	6	the	the	DET
easat-9395	213	7	q²	q²	ADJ
easat-9395	213	8	values	value	NOUN
easat-9395	213	9	for	for	ADP
easat-9395	213	10	fl	fl	PROPN
easat-9395	213	11	,	,	PUNCT
easat-9395	213	12	frt	frt	NOUN
easat-9395	213	13	,	,	PUNCT
easat-9395	213	14	fb	fb	INTJ
easat-9395	213	15	,	,	PUNCT
easat-9395	213	16	and	and	CCONJ
easat-9395	213	17	fs	fs	PROPN
easat-9395	213	18	are	be	AUX
easat-9395	213	19	all	all	ADV
easat-9395	213	20	greater	great	ADJ
easat-9395	213	21	than	than	ADP
easat-9395	213	22	0	0	NUM
easat-9395	213	23	,	,	PUNCT
easat-9395	213	24	meaning	mean	VERB
easat-9395	213	25	the	the	DET
easat-9395	213	26	model	model	NOUN
easat-9395	213	27	meets	meet	VERB
easat-9395	213	28	the	the	DET
easat-9395	213	29	requirement	requirement	NOUN
easat-9395	213	30	for	for	ADP
easat-9395	213	31	predictive	predictive	ADJ
easat-9395	213	32	relevance	relevance	NOUN
easat-9395	213	33	.	.	PUNCT
easat-9395	214	1	4.4	4.4	NUM
easat-9395	214	2	.	.	PUNCT
easat-9395	215	1	direct	direct	ADJ
easat-9395	215	2	and	and	CCONJ
easat-9395	215	3	indirect	indirect	ADJ
easat-9395	215	4	impacts	impact	NOUN
easat-9395	215	5	the	the	DET
easat-9395	215	6	last	last	ADJ
easat-9395	215	7	step	step	NOUN
easat-9395	215	8	in	in	ADP
easat-9395	215	9	evaluating	evaluate	VERB
easat-9395	215	10	the	the	DET
easat-9395	215	11	inner	inner	ADJ
easat-9395	215	12	model	model	NOUN
easat-9395	215	13	is	be	AUX
easat-9395	215	14	hypothesis	hypothesis	NOUN
easat-9395	215	15	test	test	NOUN
easat-9395	215	16	,	,	PUNCT
easat-9395	215	17	which	which	PRON
easat-9395	215	18	is	be	AUX
easat-9395	215	19	conducted	conduct	VERB
easat-9395	215	20	using	use	VERB
easat-9395	215	21	the	the	DET
easat-9395	215	22	bootstrapping	bootstrappe	VERB
easat-9395	215	23	resampling	resample	VERB
easat-9395	215	24	method	method	NOUN
easat-9395	215	25	in	in	ADP
easat-9395	215	26	sem	sem	PROPN
easat-9395	215	27	-	-	PUNCT
easat-9395	215	28	pls	pls	PROPN
easat-9395	215	29	.	.	PUNCT
easat-9395	216	1	the	the	DET
easat-9395	216	2	hypotheses	hypothesis	NOUN
easat-9395	216	3	are	be	AUX
easat-9395	216	4	assessed	assess	VERB
easat-9395	216	5	based	base	VERB
easat-9395	216	6	on	on	ADP
easat-9395	216	7	a	a	DET
easat-9395	216	8	t	t	NOUN
easat-9395	216	9	-	-	PUNCT
easat-9395	216	10	test	test	NOUN
easat-9395	216	11	threshold	threshold	NOUN
easat-9395	216	12	,	,	PUNCT
easat-9395	216	13	with	with	ADP
easat-9395	216	14	a	a	DET
easat-9395	216	15	critical	critical	ADJ
easat-9395	216	16	t	t	NOUN
easat-9395	216	17	-	-	PUNCT
easat-9395	216	18	value	value	NOUN
easat-9395	216	19	of	of	ADP
easat-9395	216	20	1.645	1.645	NUM
easat-9395	216	21	(	(	PUNCT
easat-9395	216	22	one	one	NUM
easat-9395	216	23	-	-	PUNCT
easat-9395	216	24	tailed	tail	VERB
easat-9395	216	25	)	)	PUNCT
easat-9395	216	26	and	and	CCONJ
easat-9395	216	27	a	a	DET
easat-9395	216	28	p	p	NOUN
easat-9395	216	29	-	-	PUNCT
easat-9395	216	30	value	value	NOUN
easat-9395	216	31	<	<	NOUN
easat-9395	216	32	0.050	0.050	NUM
easat-9395	216	33	.	.	PUNCT
easat-9395	217	1	as	as	SCONJ
easat-9395	217	2	shown	show	VERB
easat-9395	217	3	in	in	ADP
easat-9395	217	4	table	table	NOUN
easat-9395	217	5	8	8	NUM
easat-9395	217	6	and	and	CCONJ
easat-9395	217	7	figure	figure	NOUN
easat-9395	217	8	2	2	NUM
easat-9395	217	9	,	,	PUNCT
easat-9395	217	10	the	the	DET
easat-9395	217	11	hypotheses	hypothesis	NOUN
easat-9395	217	12	were	be	AUX
easat-9395	217	13	confirmed	confirm	VERB
easat-9395	217	14	,	,	PUNCT
easat-9395	217	15	with	with	ADP
easat-9395	217	16	t	t	NOUN
easat-9395	217	17	-	-	PUNCT
easat-9395	217	18	values	value	NOUN
easat-9395	217	19	ranging	range	VERB
easat-9395	217	20	from	from	ADP
easat-9395	217	21	3.192	3.192	NUM
easat-9395	217	22	to	to	ADP
easat-9395	217	23	11.934	11.934	NUM
easat-9395	217	24	(	(	PUNCT
easat-9395	217	25	all	all	DET
easat-9395	217	26	exceeding	exceed	VERB
easat-9395	217	27	660	660	NUM
easat-9395	217	28	edelweiss	edelweiss	PROPN
easat-9395	217	29	applied	apply	VERB
easat-9395	217	30	science	science	NOUN
easat-9395	217	31	and	and	CCONJ
easat-9395	217	32	technology	technology	NOUN
easat-9395	217	33	issn	issn	PROPN
easat-9395	217	34	:	:	PUNCT
easat-9395	217	35	2576	2576	NUM
easat-9395	217	36	-	-	SYM
easat-9395	217	37	8484	8484	NUM
easat-9395	217	38	vol	vol	NOUN
easat-9395	217	39	.	.	PROPN
easat-9395	218	1	9	9	NUM
easat-9395	218	2	,	,	PUNCT
easat-9395	218	3	no	no	INTJ
easat-9395	218	4	.	.	NOUN
easat-9395	218	5	8	8	NUM
easat-9395	218	6	:	:	PUNCT
easat-9395	218	7	652	652	NUM
easat-9395	218	8	-	-	SYM
easat-9395	218	9	665	665	NUM
easat-9395	218	10	,	,	PUNCT
easat-9395	218	11	2025	2025	NUM
easat-9395	218	12	doi	doi	NOUN
easat-9395	218	13	:	:	PUNCT
easat-9395	218	14	10.55214/2576	10.55214/2576	NUM
easat-9395	218	15	-	-	NOUN
easat-9395	218	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	218	17	©	©	PROPN
easat-9395	218	18	2025	2025	NUM
easat-9395	218	19	by	by	ADP
easat-9395	218	20	the	the	DET
easat-9395	218	21	authors	author	NOUN
easat-9395	218	22	;	;	PUNCT
easat-9395	218	23	licensee	licensee	PROPN
easat-9395	218	24	learning	learning	NOUN
easat-9395	218	25	gate	gate	NOUN
easat-9395	218	26	1.645	1.645	NUM
easat-9395	218	27	)	)	PUNCT
easat-9395	218	28	and	and	CCONJ
easat-9395	218	29	p	p	NOUN
easat-9395	218	30	-	-	PUNCT
easat-9395	218	31	values	value	NOUN
easat-9395	218	32	of	of	ADP
easat-9395	218	33	0.000	0.000	NUM
easat-9395	218	34	(	(	PUNCT
easat-9395	218	35	all	all	PRON
easat-9395	218	36	below	below	ADP
easat-9395	218	37	0.050	0.050	NUM
easat-9395	218	38	)	)	PUNCT
easat-9395	218	39	.	.	PUNCT
easat-9395	219	1	furthermore	furthermore	ADV
easat-9395	219	2	,	,	PUNCT
easat-9395	219	3	table	table	NOUN
easat-9395	219	4	8	8	NUM
easat-9395	219	5	and	and	CCONJ
easat-9395	219	6	figure	figure	VERB
easat-9395	219	7	2	2	NUM
easat-9395	219	8	demonstrate	demonstrate	NOUN
easat-9395	219	9	that	that	SCONJ
easat-9395	219	10	all	all	DET
easat-9395	219	11	seven	seven	NUM
easat-9395	219	12	tested	test	VERB
easat-9395	219	13	hypotheses	hypothesis	NOUN
easat-9395	219	14	were	be	AUX
easat-9395	219	15	accepted	accept	VERB
easat-9395	219	16	,	,	PUNCT
easat-9395	219	17	meeting	meet	VERB
easat-9395	219	18	the	the	DET
easat-9395	219	19	criteria	criterion	NOUN
easat-9395	219	20	of	of	ADP
easat-9395	219	21	t	t	PROPN
easat-9395	219	22	-	-	PUNCT
easat-9395	219	23	values	value	NOUN
easat-9395	219	24	>	>	X
easat-9395	219	25	1.645	1.645	NUM
easat-9395	219	26	and	and	CCONJ
easat-9395	219	27	p	p	NOUN
easat-9395	219	28	-	-	PUNCT
easat-9395	219	29	values	value	NOUN
easat-9395	219	30	<	<	X
easat-9395	219	31	0.050	0.050	NUM
easat-9395	219	32	.	.	PUNCT
easat-9395	220	1	table	table	NOUN
easat-9395	220	2	8	8	NUM
easat-9395	220	3	.	.	PUNCT
easat-9395	220	4	hypothesis	hypothesis	NOUN
easat-9395	220	5	test	test	NOUN
easat-9395	220	6	results	result	NOUN
easat-9395	220	7	.	.	PUNCT
easat-9395	221	1	variable	variable	PROPN
easat-9395	221	2	b	b	PROPN
easat-9395	221	3	se	se	PROPN
easat-9395	221	4	t	t	PROPN
easat-9395	221	5	-	-	PUNCT
easat-9395	221	6	value	value	NOUN
easat-9395	221	7	p	p	NOUN
easat-9395	221	8	value	value	NOUN
easat-9395	221	9	results	result	VERB
easat-9395	221	10	fl	fl	PRON
easat-9395	221	11	→	→	SYM
easat-9395	221	12	fs	fs	ADP
easat-9395	221	13	0.432	0.432	NUM
easat-9395	221	14	0.433	0.433	NUM
easat-9395	221	15	8.067	8.067	NUM
easat-9395	221	16	0.000	0.000	NUM
easat-9395	221	17	h1	h1	PROPN
easat-9395	221	18	accepted	accept	VERB
easat-9395	221	19	fl	fl	NOUN
easat-9395	221	20	→	→	SYM
easat-9395	221	21	fb	fb	NOUN
easat-9395	221	22	0.228	0.228	NUM
easat-9395	221	23	0.230	0.230	NUM
easat-9395	221	24	5.080	5.080	NUM
easat-9395	221	25	0.000	0.000	NUM
easat-9395	221	26	h2	h2	NOUN
easat-9395	221	27	accepted	accept	VERB
easat-9395	221	28	fb	fb	INTJ
easat-9395	221	29	→	→	SYM
easat-9395	221	30	fs	fs	ADP
easat-9395	221	31	0.155	0.155	NUM
easat-9395	221	32	0.157	0.157	NUM
easat-9395	221	33	2.610	2.610	NUM
easat-9395	221	34	0.009	0.009	NUM
easat-9395	221	35	h3	h3	NOUN
easat-9395	221	36	accepted	accept	VERB
easat-9395	221	37	frt	frt	NOUN
easat-9395	221	38	→fb	→fb	NOUN
easat-9395	221	39	0.502	0.502	NUM
easat-9395	221	40	0.503	0.503	NUM
easat-9395	221	41	11.258	11.258	NUM
easat-9395	221	42	0.000	0.000	NUM
easat-9395	221	43	h4	h4	PROPN
easat-9395	221	44	accepted	accept	VERB
easat-9395	221	45	frt	frt	NOUN
easat-9395	221	46	→	→	SYM
easat-9395	221	47	fs	fs	ADP
easat-9395	221	48	0.255	0.255	NUM
easat-9395	221	49	0.252	0.252	NUM
easat-9395	221	50	5.032	5.032	NUM
easat-9395	221	51	0.000	0.000	NUM
easat-9395	221	52	h5	h5	NOUN
easat-9395	221	53	accepted	accept	VERB
easat-9395	221	54	fb	fb	INTJ
easat-9395	221	55	→fl	→fl	NOUN
easat-9395	221	56	→fs	→fs	NOUN
easat-9395	222	1	0.035	0.035	NUM
easat-9395	222	2	0.036	0.036	NUM
easat-9395	222	3	2.187	2.187	NUM
easat-9395	222	4	0.029	0.029	NUM
easat-9395	222	5	h6	h6	PROPN
easat-9395	222	6	accepted	accept	VERB
easat-9395	222	7	fb	fb	INTJ
easat-9395	222	8	→frt	→frt	PUNCT
easat-9395	222	9	→fs	→fs	NOUN
easat-9395	222	10	0.078	0.078	NUM
easat-9395	222	11	0.079	0.079	NUM
easat-9395	222	12	2.482	2.482	NUM
easat-9395	222	13	0.013	0.013	NUM
easat-9395	222	14	h7	h7	PROPN
easat-9395	222	15	accepted	accept	VERB
easat-9395	222	16	note	note	NOUN
easat-9395	222	17	:	:	PUNCT
easat-9395	222	18	fs	fs	PART
easat-9395	222	19	=	=	ADJ
easat-9395	222	20	financial	financial	ADJ
easat-9395	222	21	satisfaction	satisfaction	NOUN
easat-9395	222	22	,	,	PUNCT
easat-9395	222	23	fb	fb	ADJ
easat-9395	222	24	=	=	ADJ
easat-9395	222	25	financial	financial	ADJ
easat-9395	222	26	behavior	behavior	NOUN
easat-9395	222	27	,	,	PUNCT
easat-9395	222	28	frt	frt	NOUN
easat-9395	222	29	=	=	ADJ
easat-9395	222	30	financial	financial	ADJ
easat-9395	222	31	risk	risk	NOUN
easat-9395	222	32	tolerance	tolerance	NOUN
easat-9395	222	33	,	,	PUNCT
easat-9395	222	34	fl=	fl=	ADJ
easat-9395	222	35	financial	financial	ADJ
easat-9395	222	36	literacy	literacy	NOUN
easat-9395	222	37	.	.	PUNCT
easat-9395	223	1	figure	figure	NOUN
easat-9395	223	2	2	2	NUM
easat-9395	223	3	.	.	PUNCT
easat-9395	223	4	structural	structural	ADJ
easat-9395	223	5	model	model	NOUN
easat-9395	223	6	results	result	NOUN
easat-9395	223	7	.	.	PUNCT
easat-9395	224	1	5	5	X
easat-9395	224	2	.	.	X
easat-9395	224	3	discussion	discussion	NOUN
easat-9395	224	4	this	this	DET
easat-9395	224	5	research	research	NOUN
easat-9395	224	6	employed	employ	VERB
easat-9395	224	7	utility	utility	NOUN
easat-9395	224	8	theory	theory	NOUN
easat-9395	224	9	,	,	PUNCT
easat-9395	224	10	which	which	PRON
easat-9395	224	11	posits	posit	VERB
easat-9395	224	12	that	that	SCONJ
easat-9395	224	13	an	an	DET
easat-9395	224	14	individual	individual	NOUN
easat-9395	224	15	's	's	PART
easat-9395	224	16	fs	fs	NOUN
easat-9395	224	17	is	be	AUX
easat-9395	224	18	influenced	influence	VERB
easat-9395	224	19	by	by	ADP
easat-9395	224	20	how	how	SCONJ
easat-9395	224	21	well	well	ADV
easat-9395	224	22	their	their	PRON
easat-9395	224	23	financial	financial	ADJ
easat-9395	224	24	situation	situation	NOUN
easat-9395	224	25	aligns	align	VERB
easat-9395	224	26	with	with	ADP
easat-9395	224	27	their	their	PRON
easat-9395	224	28	needs	need	NOUN
easat-9395	224	29	,	,	PUNCT
easat-9395	224	30	desires	desire	NOUN
easat-9395	224	31	,	,	PUNCT
easat-9395	224	32	and	and	CCONJ
easat-9395	224	33	personal	personal	ADJ
easat-9395	224	34	values	value	NOUN
easat-9395	224	35	.	.	PUNCT
easat-9395	225	1	this	this	DET
easat-9395	225	2	theory	theory	NOUN
easat-9395	225	3	emphasizes	emphasize	VERB
easat-9395	225	4	that	that	SCONJ
easat-9395	225	5	finance	finance	NOUN
easat-9395	225	6	is	be	AUX
easat-9395	225	7	not	not	PART
easat-9395	225	8	solely	solely	ADV
easat-9395	225	9	about	about	ADP
easat-9395	225	10	the	the	DET
easat-9395	225	11	amount	amount	NOUN
easat-9395	225	12	of	of	ADP
easat-9395	225	13	money	money	NOUN
easat-9395	225	14	that	that	PRON
easat-9395	225	15	one	one	NUM
easat-9395	225	16	possesses	possesse	NOUN
easat-9395	225	17	,	,	PUNCT
easat-9395	225	18	but	but	CCONJ
easat-9395	225	19	also	also	ADV
easat-9395	225	20	about	about	ADP
easat-9395	225	21	how	how	SCONJ
easat-9395	225	22	that	that	DET
easat-9395	225	23	money	money	NOUN
easat-9395	225	24	corresponds	correspond	VERB
easat-9395	225	25	to	to	ADP
easat-9395	225	26	individual	individual	ADJ
easat-9395	225	27	aspirations	aspiration	NOUN
easat-9395	225	28	and	and	CCONJ
easat-9395	225	29	priorities	priority	NOUN
easat-9395	225	30	[	[	X
easat-9395	225	31	14	14	NUM
easat-9395	225	32	]	]	PUNCT
easat-9395	225	33	.	.	PUNCT
easat-9395	226	1	according	accord	VERB
easat-9395	226	2	to	to	ADP
easat-9395	226	3	marginal	marginal	ADJ
easat-9395	226	4	utility	utility	NOUN
easat-9395	226	5	theory	theory	NOUN
easat-9395	226	6	,	,	PUNCT
easat-9395	226	7	income	income	NOUN
easat-9395	226	8	positively	positively	ADV
easat-9395	226	9	impacts	impact	VERB
easat-9395	226	10	happiness	happiness	NOUN
easat-9395	226	11	,	,	PUNCT
easat-9395	226	12	yet	yet	ADV
easat-9395	226	13	beyond	beyond	ADP
easat-9395	226	14	a	a	DET
easat-9395	226	15	certain	certain	ADJ
easat-9395	226	16	point	point	NOUN
easat-9395	226	17	increases	increase	NOUN
easat-9395	226	18	in	in	ADP
easat-9395	226	19	income	income	NOUN
easat-9395	226	20	yield	yield	NOUN
easat-9395	226	21	diminishing	diminish	VERB
easat-9395	226	22	marginal	marginal	ADJ
easat-9395	226	23	effects	effect	NOUN
easat-9395	226	24	on	on	ADP
easat-9395	226	25	life	life	NOUN
easat-9395	226	26	satisfaction	satisfaction	NOUN
easat-9395	226	27	[	[	X
easat-9395	226	28	60	60	NUM
easat-9395	226	29	]	]	PUNCT
easat-9395	226	30	.	.	PUNCT
easat-9395	227	1	the	the	DET
easat-9395	227	2	first	first	ADJ
easat-9395	227	3	finding	finding	NOUN
easat-9395	227	4	revealed	reveal	VERB
easat-9395	227	5	that	that	SCONJ
easat-9395	227	6	fl	fl	PRON
easat-9395	227	7	affect	affect	VERB
easat-9395	227	8	positively	positively	ADV
easat-9395	227	9	and	and	CCONJ
easat-9395	227	10	significantly	significantly	ADV
easat-9395	227	11	the	the	DET
easat-9395	227	12	teachers	teacher	NOUN
easat-9395	227	13	'	'	PART
easat-9395	227	14	fs	fs	PROPN
easat-9395	227	15	.	.	PUNCT
easat-9395	228	1	this	this	DET
easat-9395	228	2	result	result	NOUN
easat-9395	228	3	corroborates	corroborate	VERB
easat-9395	228	4	previous	previous	ADJ
easat-9395	228	5	findings	finding	NOUN
easat-9395	228	6	(	(	PUNCT
easat-9395	228	7	e.g.	e.g.	ADV
easat-9395	228	8	,	,	PUNCT
easat-9395	228	9	farida	farida	PROPN
easat-9395	228	10	,	,	PUNCT
easat-9395	228	11	et	et	PROPN
easat-9395	228	12	al	al	PROPN
easat-9395	228	13	.	.	PUNCT
easat-9395	229	1	[	[	X
easat-9395	229	2	51	51	NUM
easat-9395	229	3	]	]	PUNCT
easat-9395	229	4	;	;	PUNCT
easat-9395	229	5	sohn	sohn	PROPN
easat-9395	229	6	,	,	PUNCT
easat-9395	229	7	et	et	PROPN
easat-9395	229	8	al	al	PROPN
easat-9395	229	9	.	.	PUNCT
easat-9395	230	1	[	[	X
easat-9395	230	2	42	42	NUM
easat-9395	230	3	]	]	PUNCT
easat-9395	230	4	and	and	CCONJ
easat-9395	230	5	xiao	xiao	PROPN
easat-9395	230	6	and	and	CCONJ
easat-9395	230	7	porto	porto	PROPN
easat-9395	231	1	[	[	X
easat-9395	231	2	43	43	NUM
easat-9395	231	3	]	]	PUNCT
easat-9395	231	4	)	)	PUNCT
easat-9395	231	5	highlighting	highlight	VERB
easat-9395	231	6	fl	fl	PROPN
easat-9395	231	7	's	's	PART
easat-9395	231	8	contribution	contribution	NOUN
easat-9395	231	9	to	to	ADP
easat-9395	231	10	the	the	DET
easat-9395	231	11	advancement	advancement	NOUN
easat-9395	231	12	of	of	ADP
easat-9395	231	13	prudent	prudent	ADJ
easat-9395	231	14	financial	financial	ADJ
easat-9395	231	15	management	management	NOUN
easat-9395	231	16	techniques	technique	NOUN
easat-9395	231	17	.	.	PUNCT
easat-9395	232	1	this	this	PRON
easat-9395	232	2	includes	include	VERB
easat-9395	232	3	skills	skill	NOUN
easat-9395	232	4	in	in	ADP
easat-9395	232	5	personal	personal	ADJ
easat-9395	232	6	financial	financial	ADJ
easat-9395	232	7	bookkeeping	bookkeeping	NOUN
easat-9395	232	8	and	and	CCONJ
easat-9395	232	9	long	long	ADJ
easat-9395	232	10	-	-	PUNCT
easat-9395	232	11	term	term	NOUN
easat-9395	232	12	investment	investment	NOUN
easat-9395	232	13	planning	planning	NOUN
easat-9395	232	14	.	.	PUNCT
easat-9395	233	1	additionally	additionally	ADV
easat-9395	233	2	,	,	PUNCT
easat-9395	233	3	fl	fl	PRON
easat-9395	233	4	aids	aid	NOUN
easat-9395	233	5	in	in	ADP
easat-9395	233	6	making	make	VERB
easat-9395	233	7	informed	informed	ADJ
easat-9395	233	8	decisions	decision	NOUN
easat-9395	233	9	regarding	regard	VERB
easat-9395	233	10	savings	saving	NOUN
easat-9395	233	11	,	,	PUNCT
easat-9395	233	12	investments	investment	NOUN
easat-9395	233	13	,	,	PUNCT
easat-9395	233	14	and	and	CCONJ
easat-9395	233	15	loans	loan	NOUN
easat-9395	233	16	[	[	X
easat-9395	233	17	45	45	NUM
easat-9395	233	18	]	]	PUNCT
easat-9395	233	19	.	.	PUNCT
easat-9395	234	1	teachers	teacher	NOUN
easat-9395	234	2	’	'	PUNCT
easat-9395	234	3	fl	fl	PROPN
easat-9395	234	4	,	,	PUNCT
easat-9395	234	5	acquired	acquire	VERB
easat-9395	234	6	during	during	ADP
easat-9395	234	7	their	their	PRON
easat-9395	234	8	undergraduate	undergraduate	ADJ
easat-9395	234	9	education	education	NOUN
easat-9395	234	10	and	and	CCONJ
easat-9395	234	11	through	through	ADP
easat-9395	234	12	the	the	DET
easat-9395	234	13	subjects	subject	NOUN
easat-9395	234	14	they	they	PRON
easat-9395	234	15	teach	teach	VERB
easat-9395	234	16	,	,	PUNCT
easat-9395	234	17	equiped	equip	VERB
easat-9395	234	18	them	they	PRON
easat-9395	234	19	with	with	ADP
easat-9395	234	20	a	a	DET
easat-9395	234	21	high	high	ADJ
easat-9395	234	22	level	level	NOUN
easat-9395	234	23	of	of	ADP
easat-9395	234	24	fl	fl	NOUN
easat-9395	234	25	for	for	ADP
easat-9395	234	26	both	both	CCONJ
easat-9395	234	27	consumption	consumption	NOUN
easat-9395	234	28	and	and	CCONJ
easat-9395	234	29	productive	productive	ADJ
easat-9395	234	30	management	management	NOUN
easat-9395	234	31	.	.	PUNCT
easat-9395	235	1	661	661	NUM
easat-9395	235	2	edelweiss	edelweiss	PROPN
easat-9395	235	3	applied	apply	VERB
easat-9395	235	4	science	science	NOUN
easat-9395	235	5	and	and	CCONJ
easat-9395	235	6	technology	technology	NOUN
easat-9395	235	7	issn	issn	PROPN
easat-9395	235	8	:	:	PUNCT
easat-9395	235	9	2576	2576	NUM
easat-9395	235	10	-	-	SYM
easat-9395	235	11	8484	8484	NUM
easat-9395	235	12	vol	vol	NOUN
easat-9395	235	13	.	.	PROPN
easat-9395	236	1	9	9	NUM
easat-9395	236	2	,	,	PUNCT
easat-9395	236	3	no	no	INTJ
easat-9395	236	4	.	.	NOUN
easat-9395	236	5	8	8	NUM
easat-9395	236	6	:	:	PUNCT
easat-9395	236	7	652	652	NUM
easat-9395	236	8	-	-	SYM
easat-9395	236	9	665	665	NUM
easat-9395	236	10	,	,	PUNCT
easat-9395	236	11	2025	2025	NUM
easat-9395	236	12	doi	doi	NOUN
easat-9395	236	13	:	:	PUNCT
easat-9395	236	14	10.55214/2576	10.55214/2576	NUM
easat-9395	236	15	-	-	NOUN
easat-9395	236	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	236	17	©	©	PROPN
easat-9395	236	18	2025	2025	NUM
easat-9395	236	19	by	by	ADP
easat-9395	236	20	the	the	DET
easat-9395	236	21	authors	author	NOUN
easat-9395	236	22	;	;	PUNCT
easat-9395	236	23	licensee	licensee	PROPN
easat-9395	236	24	learning	learning	NOUN
easat-9395	236	25	gate	gate	NOUN
easat-9395	236	26	furthermore	furthermore	ADV
easat-9395	236	27	,	,	PUNCT
easat-9395	236	28	addressing	address	VERB
easat-9395	236	29	h2	h2	NOUN
easat-9395	236	30	,	,	PUNCT
easat-9395	236	31	fl	fl	PROPN
easat-9395	236	32	positively	positively	ADV
easat-9395	236	33	and	and	CCONJ
easat-9395	236	34	significantly	significantly	ADV
easat-9395	236	35	affects	affect	VERB
easat-9395	236	36	teachers	teacher	NOUN
easat-9395	236	37	'	'	PART
easat-9395	236	38	fb	fb	NOUN
easat-9395	236	39	.	.	PUNCT
easat-9395	237	1	this	this	DET
easat-9395	237	2	finding	finding	NOUN
easat-9395	237	3	reinforced	reinforce	VERB
easat-9395	237	4	the	the	DET
easat-9395	237	5	notion	notion	NOUN
easat-9395	237	6	[	[	X
easat-9395	237	7	20	20	NUM
easat-9395	237	8	,	,	PUNCT
easat-9395	237	9	61	61	NUM
easat-9395	237	10	,	,	PUNCT
easat-9395	237	11	62	62	NUM
easat-9395	237	12	]	]	PUNCT
easat-9395	237	13	that	that	SCONJ
easat-9395	237	14	poverty	poverty	NOUN
easat-9395	237	15	and	and	CCONJ
easat-9395	237	16	financial	financial	ADJ
easat-9395	237	17	-	-	PUNCT
easat-9395	237	18	related	relate	VERB
easat-9395	237	19	issues	issue	NOUN
easat-9395	237	20	often	often	ADV
easat-9395	237	21	stem	stem	VERB
easat-9395	237	22	from	from	ADP
easat-9395	237	23	a	a	DET
easat-9395	237	24	lack	lack	NOUN
easat-9395	237	25	of	of	ADP
easat-9395	237	26	financial	financial	ADJ
easat-9395	237	27	knowledge	knowledge	NOUN
easat-9395	237	28	rather	rather	ADV
easat-9395	237	29	than	than	ADP
easat-9395	237	30	economic	economic	ADJ
easat-9395	237	31	or	or	CCONJ
easat-9395	237	32	governmental	governmental	ADJ
easat-9395	237	33	problems	problem	NOUN
easat-9395	237	34	.	.	PUNCT
easat-9395	238	1	teachers	teacher	NOUN
easat-9395	238	2	with	with	ADP
easat-9395	238	3	low	low	ADJ
easat-9395	238	4	fl	fl	PROPN
easat-9395	238	5	tend	tend	VERB
easat-9395	238	6	to	to	PART
easat-9395	238	7	have	have	VERB
easat-9395	238	8	unbounded	unbounded	ADJ
easat-9395	238	9	spending	spending	NOUN
easat-9395	238	10	,	,	PUNCT
easat-9395	238	11	leading	lead	VERB
easat-9395	238	12	to	to	ADP
easat-9395	238	13	difficulties	difficulty	NOUN
easat-9395	238	14	in	in	ADP
easat-9395	238	15	managing	manage	VERB
easat-9395	238	16	their	their	PRON
easat-9395	238	17	finances	finance	NOUN
easat-9395	238	18	[	[	X
easat-9395	238	19	18	18	NUM
easat-9395	238	20	]	]	PUNCT
easat-9395	238	21	.	.	PUNCT
easat-9395	239	1	according	accord	VERB
easat-9395	239	2	to	to	ADP
easat-9395	239	3	this	this	DET
easat-9395	239	4	situation	situation	NOUN
easat-9395	239	5	,	,	PUNCT
easat-9395	239	6	it	it	PRON
easat-9395	239	7	is	be	AUX
easat-9395	239	8	included	include	VERB
easat-9395	239	9	that	that	SCONJ
easat-9395	239	10	fl	fl	PROPN
easat-9395	239	11	has	have	VERB
easat-9395	239	12	pivotal	pivotal	ADJ
easat-9395	239	13	role	role	NOUN
easat-9395	239	14	in	in	ADP
easat-9395	239	15	influencing	influence	VERB
easat-9395	239	16	teachers	teacher	NOUN
easat-9395	239	17	’	'	PUNCT
easat-9395	239	18	fb	fb	INTJ
easat-9395	239	19	,	,	PUNCT
easat-9395	239	20	with	with	ADP
easat-9395	239	21	greater	great	ADJ
easat-9395	239	22	fl	fl	NOUN
easat-9395	239	23	being	be	AUX
easat-9395	239	24	associated	associate	VERB
easat-9395	239	25	with	with	ADP
easat-9395	239	26	improved	improve	VERB
easat-9395	239	27	financial	financial	ADJ
easat-9395	239	28	management	management	NOUN
easat-9395	239	29	and	and	CCONJ
easat-9395	239	30	more	more	ADV
easat-9395	239	31	positive	positive	ADJ
easat-9395	239	32	fb	fb	NOUN
easat-9395	239	33	.	.	PUNCT
easat-9395	240	1	furthermore	furthermore	ADV
easat-9395	240	2	,	,	PUNCT
easat-9395	240	3	fb	fb	ADV
easat-9395	240	4	positively	positively	ADV
easat-9395	240	5	and	and	CCONJ
easat-9395	240	6	significantly	significantly	ADV
easat-9395	240	7	impacts	impact	VERB
easat-9395	240	8	teachers	teacher	NOUN
easat-9395	240	9	'	'	PART
easat-9395	240	10	fs	fs	PROPN
easat-9395	240	11	,	,	PUNCT
easat-9395	240	12	addressing	address	VERB
easat-9395	240	13	h3	h3	NOUN
easat-9395	240	14	and	and	CCONJ
easat-9395	240	15	supporting	support	VERB
easat-9395	240	16	previous	previous	ADJ
easat-9395	240	17	findings	finding	NOUN
easat-9395	240	18	[	[	X
easat-9395	240	19	12	12	NUM
easat-9395	240	20	,	,	PUNCT
easat-9395	240	21	21	21	NUM
easat-9395	240	22	,	,	PUNCT
easat-9395	240	23	43	43	NUM
easat-9395	240	24	,	,	PUNCT
easat-9395	240	25	63	63	NUM
easat-9395	240	26	]	]	PUNCT
easat-9395	240	27	.	.	PUNCT
easat-9395	241	1	fb	fb	PROPN
easat-9395	241	2	encompassed	encompass	VERB
easat-9395	241	3	individuals	individual	NOUN
easat-9395	241	4	'	'	PART
easat-9395	241	5	habits	habit	NOUN
easat-9395	241	6	in	in	ADP
easat-9395	241	7	managing	manage	VERB
easat-9395	241	8	their	their	PRON
easat-9395	241	9	finances	finance	NOUN
easat-9395	241	10	,	,	PUNCT
easat-9395	241	11	including	include	VERB
easat-9395	241	12	income	income	NOUN
easat-9395	241	13	management	management	NOUN
easat-9395	241	14	,	,	PUNCT
easat-9395	241	15	spending	spending	NOUN
easat-9395	241	16	,	,	PUNCT
easat-9395	241	17	investing	investing	NOUN
easat-9395	241	18	,	,	PUNCT
easat-9395	241	19	and	and	CCONJ
easat-9395	241	20	saving	saving	NOUN
easat-9395	241	21	.	.	PUNCT
easat-9395	242	1	for	for	ADP
easat-9395	242	2	teachers	teacher	NOUN
easat-9395	242	3	,	,	PUNCT
easat-9395	242	4	who	who	PRON
easat-9395	242	5	typically	typically	ADV
easat-9395	242	6	had	have	VERB
easat-9395	242	7	a	a	DET
easat-9395	242	8	fixed	fix	VERB
easat-9395	242	9	income	income	NOUN
easat-9395	242	10	supplemented	supplement	VERB
easat-9395	242	11	by	by	ADP
easat-9395	242	12	educator	educator	NOUN
easat-9395	242	13	certification	certification	NOUN
easat-9395	242	14	allowances	allowance	NOUN
easat-9395	242	15	,	,	PUNCT
easat-9395	242	16	prudent	prudent	ADJ
easat-9395	242	17	financial	financial	ADJ
easat-9395	242	18	management	management	NOUN
easat-9395	242	19	is	be	AUX
easat-9395	242	20	essential	essential	ADJ
easat-9395	242	21	for	for	ADP
easat-9395	242	22	achieving	achieve	VERB
easat-9395	242	23	fs	fs	PROPN
easat-9395	243	1	.	.	PUNCT
easat-9395	243	2	teachers	teacher	NOUN
easat-9395	243	3	with	with	ADP
easat-9395	243	4	effective	effective	ADJ
easat-9395	243	5	financial	financial	ADJ
easat-9395	243	6	control	control	NOUN
easat-9395	243	7	experienced	experience	VERB
easat-9395	243	8	higher	high	ADJ
easat-9395	243	9	satisfaction	satisfaction	NOUN
easat-9395	243	10	due	due	ADP
easat-9395	243	11	to	to	ADP
easat-9395	243	12	reduced	reduce	VERB
easat-9395	243	13	financial	financial	ADJ
easat-9395	243	14	stress	stress	NOUN
easat-9395	243	15	,	,	PUNCT
easat-9395	243	16	confidence	confidence	NOUN
easat-9395	243	17	about	about	ADP
easat-9395	243	18	the	the	DET
easat-9395	243	19	future	future	NOUN
easat-9395	243	20	and	and	CCONJ
easat-9395	243	21	retirement	retirement	NOUN
easat-9395	243	22	,	,	PUNCT
easat-9395	243	23	and	and	CCONJ
easat-9395	243	24	the	the	DET
easat-9395	243	25	ability	ability	NOUN
easat-9395	243	26	to	to	PART
easat-9395	243	27	meet	meet	VERB
easat-9395	243	28	their	their	PRON
easat-9395	243	29	and	and	CCONJ
easat-9395	243	30	their	their	PRON
easat-9395	243	31	families	family	NOUN
easat-9395	243	32	'	'	PART
easat-9395	243	33	needs	need	NOUN
easat-9395	243	34	.	.	PUNCT
easat-9395	244	1	additionally	additionally	ADV
easat-9395	244	2	,	,	PUNCT
easat-9395	244	3	frt	frt	NOUN
easat-9395	244	4	positively	positively	ADV
easat-9395	244	5	and	and	CCONJ
easat-9395	244	6	significantly	significantly	ADV
easat-9395	244	7	affects	affect	VERB
easat-9395	244	8	teachers	teacher	NOUN
easat-9395	244	9	'	'	PART
easat-9395	244	10	fs	fs	PROPN
easat-9395	244	11	,	,	PUNCT
easat-9395	244	12	addressing	address	VERB
easat-9395	244	13	h4	h4	NOUN
easat-9395	244	14	and	and	CCONJ
easat-9395	244	15	supporting	support	VERB
easat-9395	244	16	findings	finding	NOUN
easat-9395	244	17	from	from	ADP
easat-9395	244	18	various	various	ADJ
easat-9395	244	19	studies	study	NOUN
easat-9395	244	20	grable	grable	ADJ
easat-9395	245	1	[	[	X
easat-9395	245	2	22	22	NUM
easat-9395	245	3	]	]	PUNCT
easat-9395	245	4	;	;	PUNCT
easat-9395	245	5	saurabh	saurabh	PROPN
easat-9395	245	6	and	and	CCONJ
easat-9395	245	7	nandan	nandan	PROPN
easat-9395	246	1	[	[	X
easat-9395	246	2	30	30	NUM
easat-9395	246	3	]	]	X
easat-9395	246	4	;	;	PUNCT
easat-9395	246	5	madinga	madinga	PROPN
easat-9395	246	6	,	,	PUNCT
easat-9395	246	7	et	et	PROPN
easat-9395	246	8	al	al	PROPN
easat-9395	246	9	.	.	PUNCT
easat-9395	247	1	[	[	X
easat-9395	247	2	28	28	NUM
easat-9395	247	3	]	]	PUNCT
easat-9395	247	4	and	and	CCONJ
easat-9395	247	5	van	van	PROPN
easat-9395	247	6	de	de	PROPN
easat-9395	247	7	venter	venter	PROPN
easat-9395	247	8	,	,	PUNCT
easat-9395	247	9	et	et	PROPN
easat-9395	247	10	al	al	PROPN
easat-9395	247	11	.	.	PUNCT
easat-9395	248	1	[	[	X
easat-9395	248	2	48	48	NUM
easat-9395	248	3	]	]	PUNCT
easat-9395	248	4	.	.	PUNCT
easat-9395	249	1	frt	frt	PROPN
easat-9395	249	2	relates	relate	VERB
easat-9395	249	3	to	to	ADP
easat-9395	249	4	individuals	individual	NOUN
easat-9395	249	5	'	'	PART
easat-9395	249	6	subjective	subjective	ADJ
easat-9395	249	7	attitudes	attitude	NOUN
easat-9395	249	8	toward	toward	ADP
easat-9395	249	9	investment	investment	NOUN
easat-9395	249	10	risks	risk	NOUN
easat-9395	249	11	,	,	PUNCT
easat-9395	249	12	with	with	ADP
easat-9395	249	13	higher	high	ADJ
easat-9395	249	14	risk	risk	NOUN
easat-9395	249	15	tolerances	tolerance	NOUN
easat-9395	249	16	leading	lead	VERB
easat-9395	249	17	to	to	ADP
easat-9395	249	18	more	more	ADV
easat-9395	249	19	aggressive	aggressive	ADJ
easat-9395	249	20	risk	risk	NOUN
easat-9395	249	21	management	management	NOUN
easat-9395	249	22	in	in	ADP
easat-9395	249	23	financial	financial	ADJ
easat-9395	249	24	decisions	decision	NOUN
easat-9395	249	25	.	.	PUNCT
easat-9395	250	1	fs	f	NOUN
easat-9395	250	2	can	can	AUX
easat-9395	250	3	be	be	AUX
easat-9395	250	4	deemed	deem	VERB
easat-9395	250	5	adequate	adequate	ADJ
easat-9395	250	6	when	when	SCONJ
easat-9395	250	7	individuals	individual	NOUN
easat-9395	250	8	have	have	VERB
easat-9395	250	9	stable	stable	ADJ
easat-9395	250	10	financial	financial	ADJ
easat-9395	250	11	conditions	condition	NOUN
easat-9395	250	12	.	.	PUNCT
easat-9395	251	1	conversely	conversely	ADV
easat-9395	251	2	,	,	PUNCT
easat-9395	251	3	dissatisfaction	dissatisfaction	NOUN
easat-9395	251	4	often	often	ADV
easat-9395	251	5	results	result	VERB
easat-9395	251	6	in	in	ADP
easat-9395	251	7	incurring	incur	VERB
easat-9395	251	8	debt	debt	NOUN
easat-9395	251	9	[	[	X
easat-9395	251	10	16	16	NUM
easat-9395	251	11	]	]	PUNCT
easat-9395	251	12	.	.	PUNCT
easat-9395	252	1	accumulating	accumulate	VERB
easat-9395	252	2	debt	debt	NOUN
easat-9395	252	3	and	and	CCONJ
easat-9395	252	4	making	make	VERB
easat-9395	252	5	investment	investment	NOUN
easat-9395	252	6	errors	error	NOUN
easat-9395	252	7	can	can	AUX
easat-9395	252	8	also	also	ADV
easat-9395	252	9	lead	lead	VERB
easat-9395	252	10	to	to	ADP
easat-9395	252	11	financial	financial	ADJ
easat-9395	252	12	dissatisfaction	dissatisfaction	NOUN
easat-9395	252	13	.	.	PUNCT
easat-9395	253	1	frt	frt	PROPN
easat-9395	253	2	positively	positively	ADV
easat-9395	253	3	and	and	CCONJ
easat-9395	253	4	significantly	significantly	ADV
easat-9395	253	5	affects	affect	VERB
easat-9395	253	6	fb	fb	ADP
easat-9395	253	7	,	,	PUNCT
easat-9395	253	8	aligning	align	VERB
easat-9395	253	9	with	with	ADP
easat-9395	253	10	findings	finding	NOUN
easat-9395	253	11	from	from	ADP
easat-9395	253	12	studies	study	NOUN
easat-9395	253	13	grable	grable	ADJ
easat-9395	254	1	[	[	X
easat-9395	254	2	22	22	NUM
easat-9395	254	3	]	]	PUNCT
easat-9395	254	4	;	;	PUNCT
easat-9395	254	5	saurabh	saurabh	PROPN
easat-9395	254	6	and	and	CCONJ
easat-9395	254	7	nandan	nandan	PROPN
easat-9395	255	1	[	[	X
easat-9395	255	2	30	30	NUM
easat-9395	255	3	]	]	X
easat-9395	255	4	;	;	PUNCT
easat-9395	255	5	madinga	madinga	PROPN
easat-9395	255	6	,	,	PUNCT
easat-9395	255	7	et	et	PROPN
easat-9395	255	8	al	al	PROPN
easat-9395	255	9	.	.	PUNCT
easat-9395	256	1	[	[	X
easat-9395	256	2	28	28	NUM
easat-9395	256	3	]	]	PUNCT
easat-9395	256	4	and	and	CCONJ
easat-9395	256	5	van	van	PROPN
easat-9395	256	6	de	de	PROPN
easat-9395	256	7	venter	venter	PROPN
easat-9395	256	8	,	,	PUNCT
easat-9395	256	9	et	et	PROPN
easat-9395	256	10	al	al	PROPN
easat-9395	256	11	.	.	PUNCT
easat-9395	257	1	[	[	X
easat-9395	257	2	48	48	NUM
easat-9395	257	3	]	]	PUNCT
easat-9395	257	4	that	that	PRON
easat-9395	257	5	suggest	suggest	VERB
easat-9395	257	6	frt	frt	NOUN
easat-9395	257	7	reflects	reflect	VERB
easat-9395	257	8	a	a	DET
easat-9395	257	9	teacher	teacher	NOUN
easat-9395	257	10	’s	’s	PART
easat-9395	257	11	capacity	capacity	NOUN
easat-9395	257	12	to	to	PART
easat-9395	257	13	take	take	VERB
easat-9395	257	14	risks	risk	NOUN
easat-9395	257	15	,	,	PUNCT
easat-9395	257	16	enhancing	enhance	VERB
easat-9395	257	17	control	control	NOUN
easat-9395	257	18	over	over	ADP
easat-9395	257	19	fb	fb	NOUN
easat-9395	257	20	.	.	PUNCT
easat-9395	257	21	consequently	consequently	ADV
easat-9395	257	22	,	,	PUNCT
easat-9395	257	23	teachers	teacher	NOUN
easat-9395	257	24	with	with	ADP
easat-9395	257	25	high	high	ADJ
easat-9395	257	26	frt	frt	NOUN
easat-9395	257	27	are	be	AUX
easat-9395	257	28	better	well	ADV
easat-9395	257	29	positioned	position	VERB
easat-9395	257	30	to	to	PART
easat-9395	257	31	engage	engage	VERB
easat-9395	257	32	in	in	ADP
easat-9395	257	33	riskier	risky	ADJ
easat-9395	257	34	investments	investment	NOUN
easat-9395	257	35	than	than	ADP
easat-9395	257	36	those	those	PRON
easat-9395	257	37	with	with	ADP
easat-9395	257	38	lower	low	ADJ
easat-9395	257	39	risk	risk	NOUN
easat-9395	257	40	tolerance	tolerance	NOUN
easat-9395	257	41	.	.	PUNCT
easat-9395	258	1	each	each	DET
easat-9395	258	2	investment	investment	NOUN
easat-9395	258	3	carries	carry	VERB
easat-9395	258	4	risks	risk	NOUN
easat-9395	258	5	,	,	PUNCT
easat-9395	258	6	and	and	CCONJ
easat-9395	258	7	individuals	individual	NOUN
easat-9395	258	8	respond	respond	VERB
easat-9395	258	9	differently	differently	ADV
easat-9395	258	10	to	to	ADP
easat-9395	258	11	investment	investment	NOUN
easat-9395	258	12	risks	risk	NOUN
easat-9395	258	13	[	[	X
easat-9395	258	14	64	64	NUM
easat-9395	258	15	]	]	PUNCT
easat-9395	258	16	.	.	PUNCT
easat-9395	259	1	the	the	DET
easat-9395	259	2	study	study	NOUN
easat-9395	259	3	also	also	ADV
easat-9395	259	4	revealed	reveal	VERB
easat-9395	259	5	that	that	SCONJ
easat-9395	259	6	fl	fl	PROPN
easat-9395	259	7	and	and	CCONJ
easat-9395	259	8	frt	frt	PROPN
easat-9395	259	9	indirectly	indirectly	ADV
easat-9395	259	10	influenced	influence	VERB
easat-9395	259	11	teachers	teacher	NOUN
easat-9395	259	12	'	'	PART
easat-9395	259	13	fs	fs	NOUN
easat-9395	259	14	through	through	ADP
easat-9395	259	15	fb	fb	INTJ
easat-9395	259	16	.	.	PUNCT
easat-9395	260	1	this	this	DET
easat-9395	260	2	finding	find	VERB
easat-9395	260	3	addressed	address	VERB
easat-9395	260	4	h5	h5	NOUN
easat-9395	260	5	and	and	CCONJ
easat-9395	260	6	aligned	align	VERB
easat-9395	260	7	with	with	ADP
easat-9395	260	8	previous	previous	ADJ
easat-9395	260	9	research	research	NOUN
easat-9395	260	10	[	[	X
easat-9395	260	11	9	9	NUM
easat-9395	260	12	,	,	PUNCT
easat-9395	260	13	22	22	NUM
easat-9395	260	14	,	,	PUNCT
easat-9395	260	15	23	23	NUM
easat-9395	260	16	,	,	PUNCT
easat-9395	260	17	39	39	NUM
easat-9395	260	18	]	]	PUNCT
easat-9395	260	19	indicating	indicate	VERB
easat-9395	260	20	that	that	SCONJ
easat-9395	260	21	higher	high	ADJ
easat-9395	260	22	levels	level	NOUN
easat-9395	260	23	of	of	ADP
easat-9395	260	24	fl	fl	PROPN
easat-9395	260	25	are	be	AUX
easat-9395	260	26	associated	associate	VERB
easat-9395	260	27	with	with	ADP
easat-9395	260	28	better	well	ADJ
easat-9395	260	29	fb	fb	NOUN
easat-9395	260	30	,	,	PUNCT
easat-9395	260	31	ultimately	ultimately	ADV
easat-9395	260	32	leading	lead	VERB
easat-9395	260	33	to	to	ADP
easat-9395	260	34	higher	high	ADJ
easat-9395	260	35	satisfaction	satisfaction	NOUN
easat-9395	260	36	levels	level	NOUN
easat-9395	260	37	.	.	PUNCT
easat-9395	261	1	it	it	PRON
easat-9395	261	2	underscored	underscore	VERB
easat-9395	261	3	the	the	DET
easat-9395	261	4	importance	importance	NOUN
easat-9395	261	5	of	of	ADP
easat-9395	261	6	enhancing	enhance	VERB
easat-9395	261	7	fl	fl	PRON
easat-9395	261	8	and	and	CCONJ
easat-9395	261	9	risk	risk	VERB
easat-9395	261	10	understanding	understanding	NOUN
easat-9395	261	11	among	among	ADP
easat-9395	261	12	teachers	teacher	NOUN
easat-9395	261	13	to	to	PART
easat-9395	261	14	foster	foster	VERB
easat-9395	261	15	improved	improve	VERB
easat-9395	261	16	fb	fb	INTJ
easat-9395	261	17	and	and	CCONJ
easat-9395	261	18	,	,	PUNCT
easat-9395	261	19	consequently	consequently	ADV
easat-9395	261	20	,	,	PUNCT
easat-9395	261	21	enhance	enhance	VERB
easat-9395	261	22	their	their	PRON
easat-9395	261	23	well	well	ADV
easat-9395	261	24	-	-	PUNCT
easat-9395	261	25	being	be	AUX
easat-9395	261	26	through	through	ADP
easat-9395	261	27	teacher	teacher	NOUN
easat-9395	261	28	certification	certification	NOUN
easat-9395	261	29	.	.	PUNCT
easat-9395	262	1	education	education	NOUN
easat-9395	262	2	serves	serve	VERB
easat-9395	262	3	as	as	ADP
easat-9395	262	4	a	a	DET
easat-9395	262	5	fundamental	fundamental	ADJ
easat-9395	262	6	pillar	pillar	NOUN
easat-9395	262	7	in	in	ADP
easat-9395	262	8	national	national	ADJ
easat-9395	262	9	development	development	NOUN
easat-9395	262	10	,	,	PUNCT
easat-9395	262	11	with	with	ADP
easat-9395	262	12	teachers	teacher	NOUN
easat-9395	262	13	playing	play	VERB
easat-9395	262	14	a	a	DET
easat-9395	262	15	crucial	crucial	ADJ
easat-9395	262	16	role	role	NOUN
easat-9395	262	17	as	as	ADP
easat-9395	262	18	the	the	DET
easat-9395	262	19	frontline	frontline	NOUN
easat-9395	262	20	of	of	ADP
easat-9395	262	21	the	the	DET
easat-9395	262	22	educational	educational	ADJ
easat-9395	262	23	process	process	NOUN
easat-9395	262	24	.	.	PUNCT
easat-9395	263	1	the	the	DET
easat-9395	263	2	quality	quality	NOUN
easat-9395	263	3	of	of	ADP
easat-9395	263	4	education	education	NOUN
easat-9395	263	5	significantly	significantly	ADV
easat-9395	263	6	depends	depend	VERB
easat-9395	263	7	on	on	ADP
easat-9395	263	8	the	the	DET
easat-9395	263	9	quality	quality	NOUN
easat-9395	263	10	and	and	CCONJ
easat-9395	263	11	well	well	ADV
easat-9395	263	12	-	-	PUNCT
easat-9395	263	13	being	being	NOUN
easat-9395	263	14	of	of	ADP
easat-9395	263	15	teachers	teacher	NOUN
easat-9395	263	16	.	.	PUNCT
easat-9395	264	1	the	the	DET
easat-9395	264	2	indonesian	indonesian	ADJ
easat-9395	264	3	government	government	NOUN
easat-9395	264	4	’s	’s	PART
easat-9395	264	5	teacher	teacher	NOUN
easat-9395	264	6	and	and	CCONJ
easat-9395	264	7	lecturer	lecturer	NOUN
easat-9395	264	8	law	law	NOUN
easat-9395	264	9	no	no	INTJ
easat-9395	264	10	.	.	PROPN
easat-9395	264	11	14	14	NUM
easat-9395	264	12	of	of	ADP
easat-9395	264	13	2005	2005	NUM
easat-9395	264	14	regards	regard	VERB
easat-9395	264	15	teacher	teacher	NOUN
easat-9395	264	16	professionalism	professionalism	NOUN
easat-9395	264	17	as	as	ADP
easat-9395	264	18	a	a	DET
easat-9395	264	19	vital	vital	ADJ
easat-9395	264	20	aspect	aspect	NOUN
easat-9395	264	21	in	in	ADP
easat-9395	264	22	assessing	assess	VERB
easat-9395	264	23	teacher	teacher	NOUN
easat-9395	264	24	quality	quality	NOUN
easat-9395	264	25	[	[	X
easat-9395	264	26	65	65	NUM
easat-9395	264	27	]	]	PUNCT
easat-9395	264	28	.	.	PUNCT
easat-9395	265	1	various	various	ADJ
easat-9395	265	2	efforts	effort	NOUN
easat-9395	265	3	,	,	PUNCT
easat-9395	265	4	including	include	VERB
easat-9395	265	5	performance	performance	NOUN
easat-9395	265	6	-	-	PUNCT
easat-9395	265	7	based	base	VERB
easat-9395	265	8	remuneration	remuneration	NOUN
easat-9395	265	9	policies	policy	NOUN
easat-9395	265	10	,	,	PUNCT
easat-9395	265	11	educator	educator	NOUN
easat-9395	265	12	recognition	recognition	NOUN
easat-9395	265	13	,	,	PUNCT
easat-9395	265	14	promotion	promotion	NOUN
easat-9395	265	15	adjustments	adjustment	NOUN
easat-9395	265	16	with	with	ADP
easat-9395	265	17	incentives	incentive	NOUN
easat-9395	265	18	,	,	PUNCT
easat-9395	265	19	and	and	CCONJ
easat-9395	265	20	more	more	ADV
easat-9395	265	21	,	,	PUNCT
easat-9395	265	22	have	have	AUX
easat-9395	265	23	been	be	AUX
easat-9395	265	24	enacted	enact	VERB
easat-9395	265	25	to	to	PART
easat-9395	265	26	improve	improve	VERB
easat-9395	265	27	teacher	teacher	NOUN
easat-9395	265	28	quality	quality	NOUN
easat-9395	265	29	and	and	CCONJ
easat-9395	265	30	welfare	welfare	NOUN
easat-9395	265	31	[	[	X
easat-9395	265	32	66	66	NUM
easat-9395	265	33	]	]	PUNCT
easat-9395	265	34	.	.	PUNCT
easat-9395	266	1	one	one	NUM
easat-9395	266	2	significant	significant	ADJ
easat-9395	266	3	government	government	NOUN
easat-9395	266	4	initiative	initiative	NOUN
easat-9395	266	5	aimed	aim	VERB
easat-9395	266	6	at	at	ADP
easat-9395	266	7	enhancing	enhance	VERB
easat-9395	266	8	teacher	teacher	NOUN
easat-9395	266	9	quality	quality	NOUN
easat-9395	266	10	and	and	CCONJ
easat-9395	266	11	welfare	welfare	NOUN
easat-9395	266	12	is	be	AUX
easat-9395	266	13	the	the	DET
easat-9395	266	14	teacher	teacher	NOUN
easat-9395	266	15	certification	certification	NOUN
easat-9395	266	16	program	program	NOUN
easat-9395	266	17	.	.	PUNCT
easat-9395	267	1	other	other	ADJ
easat-9395	267	2	research	research	NOUN
easat-9395	267	3	highlights	highlight	NOUN
easat-9395	267	4	that	that	PRON
easat-9395	267	5	fl	fl	PROPN
easat-9395	267	6	encompasses	encompass	VERB
easat-9395	267	7	more	more	ADV
easat-9395	267	8	than	than	ADP
easat-9395	267	9	merely	merely	ADV
easat-9395	267	10	conveying	convey	VERB
easat-9395	267	11	and	and	CCONJ
easat-9395	267	12	receiving	receive	VERB
easat-9395	267	13	information	information	NOUN
easat-9395	267	14	;	;	PUNCT
easat-9395	267	15	it	it	PRON
easat-9395	267	16	also	also	ADV
easat-9395	267	17	fosters	foster	VERB
easat-9395	267	18	confidence	confidence	NOUN
easat-9395	267	19	and	and	CCONJ
easat-9395	267	20	capability	capability	NOUN
easat-9395	267	21	in	in	ADP
easat-9395	267	22	managing	manage	VERB
easat-9395	267	23	finances	finance	NOUN
easat-9395	267	24	[	[	X
easat-9395	267	25	9	9	NUM
easat-9395	267	26	]	]	PUNCT
easat-9395	267	27	.	.	PUNCT
easat-9395	268	1	effective	effective	ADJ
easat-9395	268	2	fl	fl	DET
easat-9395	268	3	education	education	NOUN
easat-9395	268	4	can	can	AUX
easat-9395	268	5	serve	serve	VERB
easat-9395	268	6	as	as	ADP
easat-9395	268	7	a	a	DET
easat-9395	268	8	important	important	ADJ
easat-9395	268	9	aspect	aspect	NOUN
easat-9395	268	10	in	in	ADP
easat-9395	268	11	improving	improve	VERB
easat-9395	268	12	teachers	teacher	NOUN
easat-9395	268	13	'	'	PART
easat-9395	268	14	quality	quality	NOUN
easat-9395	268	15	of	of	ADP
easat-9395	268	16	life	life	NOUN
easat-9395	268	17	and	and	CCONJ
easat-9395	268	18	well	well	ADV
easat-9395	268	19	-	-	PUNCT
easat-9395	268	20	being	being	NOUN
easat-9395	268	21	,	,	PUNCT
easat-9395	268	22	particularly	particularly	ADV
easat-9395	268	23	for	for	ADP
easat-9395	268	24	those	those	PRON
easat-9395	268	25	who	who	PRON
easat-9395	268	26	have	have	AUX
easat-9395	268	27	attained	attain	VERB
easat-9395	268	28	teacher	teacher	NOUN
easat-9395	268	29	certification	certification	NOUN
easat-9395	268	30	.	.	PUNCT
easat-9395	269	1	this	this	DET
easat-9395	269	2	initiative	initiative	NOUN
easat-9395	269	3	represents	represent	VERB
easat-9395	269	4	an	an	DET
easat-9395	269	5	effort	effort	NOUN
easat-9395	269	6	to	to	PART
easat-9395	269	7	enhance	enhance	VERB
easat-9395	269	8	both	both	DET
easat-9395	269	9	the	the	DET
easat-9395	269	10	soft	soft	ADJ
easat-9395	269	11	and	and	CCONJ
easat-9395	269	12	hard	hard	ADJ
easat-9395	269	13	skills	skill	NOUN
easat-9395	269	14	of	of	ADP
easat-9395	269	15	teachers	teacher	NOUN
easat-9395	269	16	.	.	PUNCT
easat-9395	270	1	6	6	NUM
easat-9395	270	2	.	.	X
easat-9395	270	3	conclusion	conclusion	NOUN
easat-9395	270	4	this	this	DET
easat-9395	270	5	research	research	NOUN
easat-9395	270	6	is	be	AUX
easat-9395	270	7	aimed	aim	VERB
easat-9395	270	8	at	at	ADP
easat-9395	270	9	examining	examine	VERB
easat-9395	270	10	how	how	SCONJ
easat-9395	270	11	fl	fl	NOUN
easat-9395	270	12	affects	affect	VERB
easat-9395	270	13	the	the	DET
easat-9395	270	14	fs	f	NOUN
easat-9395	270	15	of	of	ADP
easat-9395	270	16	teachers	teacher	NOUN
easat-9395	270	17	in	in	ADP
easat-9395	270	18	five	five	NUM
easat-9395	270	19	major	major	ADJ
easat-9395	270	20	cities	city	NOUN
easat-9395	270	21	in	in	ADP
easat-9395	270	22	east	east	PROPN
easat-9395	270	23	java	java	PROPN
easat-9395	270	24	.	.	PUNCT
easat-9395	271	1	additionally	additionally	ADV
easat-9395	271	2	,	,	PUNCT
easat-9395	271	3	this	this	DET
easat-9395	271	4	research	research	NOUN
easat-9395	271	5	is	be	AUX
easat-9395	271	6	also	also	ADV
easat-9395	271	7	aimed	aim	VERB
easat-9395	271	8	at	at	ADP
easat-9395	271	9	examining	examine	VERB
easat-9395	271	10	fb	fb	NOUN
easat-9395	271	11	's	's	PART
easat-9395	271	12	function	function	NOUN
easat-9395	271	13	as	as	ADP
easat-9395	271	14	a	a	DET
easat-9395	271	15	mediating	mediate	VERB
easat-9395	271	16	variable	variable	NOUN
easat-9395	271	17	.	.	PUNCT
easat-9395	272	1	the	the	DET
easat-9395	272	2	findings	finding	NOUN
easat-9395	272	3	indicated	indicate	VERB
easat-9395	272	4	that	that	SCONJ
easat-9395	272	5	fl	fl	PROPN
easat-9395	272	6	positively	positively	ADV
easat-9395	272	7	influenced	influence	VERB
easat-9395	272	8	both	both	CCONJ
easat-9395	272	9	fs	f	NOUN
easat-9395	272	10	and	and	CCONJ
easat-9395	272	11	fb	fb	INTJ
easat-9395	272	12	among	among	ADP
easat-9395	272	13	teachers	teacher	NOUN
easat-9395	272	14	.	.	PUNCT
easat-9395	273	1	furthermore	furthermore	ADV
easat-9395	273	2	,	,	PUNCT
easat-9395	273	3	a	a	DET
easat-9395	273	4	strong	strong	ADJ
easat-9395	273	5	relationship	relationship	NOUN
easat-9395	273	6	between	between	ADP
easat-9395	273	7	fb	fb	PROPN
easat-9395	273	8	,	,	PUNCT
easat-9395	273	9	frt	frt	NOUN
easat-9395	273	10	,	,	PUNCT
easat-9395	273	11	and	and	CCONJ
easat-9395	273	12	teachers	teacher	NOUN
easat-9395	273	13	'	'	PART
easat-9395	273	14	fs	f	NOUN
easat-9395	273	15	was	be	AUX
easat-9395	273	16	found	find	VERB
easat-9395	273	17	to	to	PART
easat-9395	273	18	be	be	AUX
easat-9395	273	19	the	the	DET
easat-9395	273	20	results	result	NOUN
easat-9395	273	21	of	of	ADP
easat-9395	273	22	this	this	DET
easat-9395	273	23	research	research	NOUN
easat-9395	273	24	’	'	PUNCT
easat-9395	273	25	data	datum	NOUN
easat-9395	273	26	analysis	analysis	NOUN
easat-9395	273	27	.	.	PUNCT
easat-9395	274	1	this	this	DET
easat-9395	274	2	study	study	NOUN
easat-9395	274	3	emphasizes	emphasize	VERB
easat-9395	274	4	the	the	DET
easat-9395	274	5	important	important	ADJ
easat-9395	274	6	role	role	NOUN
easat-9395	274	7	of	of	ADP
easat-9395	274	8	fb	fb	INTJ
easat-9395	274	9	in	in	ADP
easat-9395	274	10	mediating	mediate	VERB
easat-9395	274	11	the	the	DET
easat-9395	274	12	effects	effect	NOUN
easat-9395	274	13	of	of	ADP
easat-9395	274	14	fl	fl	NOUN
easat-9395	274	15	and	and	CCONJ
easat-9395	274	16	frt	frt	NOUN
easat-9395	274	17	on	on	ADP
easat-9395	274	18	fs	fs	PROPN
easat-9395	274	19	.	.	PROPN
easat-9395	274	20	662	662	NUM
easat-9395	274	21	edelweiss	edelweiss	PROPN
easat-9395	274	22	applied	apply	VERB
easat-9395	274	23	science	science	NOUN
easat-9395	274	24	and	and	CCONJ
easat-9395	274	25	technology	technology	NOUN
easat-9395	274	26	issn	issn	PROPN
easat-9395	274	27	:	:	PUNCT
easat-9395	274	28	2576	2576	NUM
easat-9395	274	29	-	-	SYM
easat-9395	274	30	8484	8484	NUM
easat-9395	274	31	vol	vol	NOUN
easat-9395	274	32	.	.	PROPN
easat-9395	275	1	9	9	NUM
easat-9395	275	2	,	,	PUNCT
easat-9395	275	3	no	no	INTJ
easat-9395	275	4	.	.	NOUN
easat-9395	275	5	8	8	NUM
easat-9395	275	6	:	:	PUNCT
easat-9395	275	7	652	652	NUM
easat-9395	275	8	-	-	SYM
easat-9395	275	9	665	665	NUM
easat-9395	275	10	,	,	PUNCT
easat-9395	275	11	2025	2025	NUM
easat-9395	275	12	doi	doi	NOUN
easat-9395	275	13	:	:	PUNCT
easat-9395	275	14	10.55214/2576	10.55214/2576	NUM
easat-9395	275	15	-	-	NOUN
easat-9395	275	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	275	17	©	©	PROPN
easat-9395	275	18	2025	2025	NUM
easat-9395	275	19	by	by	ADP
easat-9395	275	20	the	the	DET
easat-9395	275	21	authors	author	NOUN
easat-9395	275	22	;	;	PUNCT
easat-9395	275	23	licensee	licensee	PROPN
easat-9395	275	24	learning	learning	NOUN
easat-9395	275	25	gate	gate	NOUN
easat-9395	275	26	6.1	6.1	NUM
easat-9395	275	27	.	.	PUNCT
easat-9395	276	1	theoretical	theoretical	ADJ
easat-9395	276	2	implications	implication	NOUN
easat-9395	276	3	this	this	DET
easat-9395	276	4	research	research	NOUN
easat-9395	276	5	has	have	VERB
easat-9395	276	6	several	several	ADJ
easat-9395	276	7	theoretical	theoretical	ADJ
easat-9395	276	8	implications	implication	NOUN
easat-9395	276	9	.	.	PUNCT
easat-9395	277	1	first	first	ADV
easat-9395	277	2	,	,	PUNCT
easat-9395	277	3	the	the	DET
easat-9395	277	4	findings	finding	NOUN
easat-9395	277	5	provided	provide	VERB
easat-9395	277	6	insights	insight	NOUN
easat-9395	277	7	into	into	ADP
easat-9395	277	8	the	the	DET
easat-9395	277	9	fs	f	NOUN
easat-9395	277	10	of	of	ADP
easat-9395	277	11	teachers	teacher	NOUN
easat-9395	277	12	who	who	PRON
easat-9395	277	13	hold	hold	VERB
easat-9395	277	14	educator	educator	NOUN
easat-9395	277	15	certification	certification	NOUN
easat-9395	277	16	.	.	PUNCT
easat-9395	278	1	second	second	ADJ
easat-9395	278	2	,	,	PUNCT
easat-9395	278	3	the	the	DET
easat-9395	278	4	results	result	NOUN
easat-9395	278	5	refined	refine	VERB
easat-9395	278	6	the	the	DET
easat-9395	278	7	marginal	marginal	ADJ
easat-9395	278	8	utility	utility	NOUN
easat-9395	278	9	theory	theory	NOUN
easat-9395	278	10	within	within	ADP
easat-9395	278	11	the	the	DET
easat-9395	278	12	context	context	NOUN
easat-9395	278	13	of	of	ADP
easat-9395	278	14	teachers	teacher	NOUN
easat-9395	278	15	'	'	PART
easat-9395	278	16	finances	finance	NOUN
easat-9395	278	17	,	,	PUNCT
easat-9395	278	18	demonstrating	demonstrate	VERB
easat-9395	278	19	that	that	SCONJ
easat-9395	278	20	the	the	DET
easat-9395	278	21	way	way	NOUN
easat-9395	278	22	teachers	teacher	NOUN
easat-9395	278	23	assessed	assess	VERB
easat-9395	278	24	and	and	CCONJ
easat-9395	278	25	prioritized	prioritize	VERB
easat-9395	278	26	components	component	NOUN
easat-9395	278	27	in	in	ADP
easat-9395	278	28	financial	financial	ADJ
easat-9395	278	29	management	management	NOUN
easat-9395	278	30	differed	differ	VERB
easat-9395	278	31	from	from	ADP
easat-9395	278	32	other	other	ADJ
easat-9395	278	33	professional	professional	ADJ
easat-9395	278	34	groups	group	NOUN
easat-9395	278	35	.	.	PUNCT
easat-9395	279	1	6.2	6.2	NUM
easat-9395	279	2	.	.	PUNCT
easat-9395	280	1	practical	practical	ADJ
easat-9395	280	2	implications	implication	NOUN
easat-9395	280	3	the	the	DET
easat-9395	280	4	study	study	NOUN
easat-9395	280	5	has	have	VERB
easat-9395	280	6	several	several	ADJ
easat-9395	280	7	practical	practical	ADJ
easat-9395	280	8	implications	implication	NOUN
easat-9395	280	9	.	.	PUNCT
easat-9395	281	1	first	first	ADV
easat-9395	281	2	,	,	PUNCT
easat-9395	281	3	financial	financial	ADJ
easat-9395	281	4	satisfaction(fs	satisfaction(fs	NOUN
easat-9395	281	5	)	)	PUNCT
easat-9395	281	6	is	be	AUX
easat-9395	281	7	influenced	influence	VERB
easat-9395	281	8	by	by	ADP
easat-9395	281	9	financial	financial	ADJ
easat-9395	281	10	literacy	literacy	NOUN
easat-9395	281	11	(	(	PUNCT
easat-9395	281	12	fl	fl	NOUN
easat-9395	281	13	)	)	PUNCT
easat-9395	281	14	and	and	CCONJ
easat-9395	281	15	financial	financial	ADJ
easat-9395	281	16	risk	risk	NOUN
easat-9395	281	17	tolerance(frt	tolerance(frt	NOUN
easat-9395	281	18	)	)	PUNCT
easat-9395	281	19	,	,	PUNCT
easat-9395	281	20	with	with	ADP
easat-9395	281	21	financial	financial	ADJ
easat-9395	281	22	beahvior(fb	beahvior(fb	NOUN
easat-9395	281	23	)	)	PUNCT
easat-9395	281	24	serving	serve	VERB
easat-9395	281	25	as	as	ADP
easat-9395	281	26	a	a	DET
easat-9395	281	27	mediator	mediator	NOUN
easat-9395	281	28	.	.	PUNCT
easat-9395	282	1	therefore	therefore	ADV
easat-9395	282	2	,	,	PUNCT
easat-9395	282	3	it	it	PRON
easat-9395	282	4	is	be	AUX
easat-9395	282	5	essential	essential	ADJ
easat-9395	282	6	for	for	SCONJ
easat-9395	282	7	policymakers	policymaker	NOUN
easat-9395	282	8	in	in	ADP
easat-9395	282	9	the	the	DET
easat-9395	282	10	education	education	NOUN
easat-9395	282	11	sector	sector	NOUN
easat-9395	282	12	to	to	PART
easat-9395	282	13	develop	develop	VERB
easat-9395	282	14	better	well	ADJ
easat-9395	282	15	financial	financial	ADJ
easat-9395	282	16	welfare	welfare	NOUN
easat-9395	282	17	programs	program	NOUN
easat-9395	282	18	for	for	ADP
easat-9395	282	19	teachers	teacher	NOUN
easat-9395	282	20	.	.	PUNCT
easat-9395	283	1	in	in	ADP
easat-9395	283	2	addition	addition	NOUN
easat-9395	283	3	,	,	PUNCT
easat-9395	283	4	there	there	PRON
easat-9395	283	5	is	be	VERB
easat-9395	283	6	a	a	DET
easat-9395	283	7	need	need	NOUN
easat-9395	283	8	for	for	ADP
easat-9395	283	9	training	training	NOUN
easat-9395	283	10	on	on	ADP
easat-9395	283	11	effective	effective	ADJ
easat-9395	283	12	personal	personal	ADJ
easat-9395	283	13	financial	financial	ADJ
easat-9395	283	14	management	management	NOUN
easat-9395	283	15	to	to	PART
easat-9395	283	16	make	make	VERB
easat-9395	283	17	it	it	PRON
easat-9395	283	18	easier	easy	ADJ
easat-9395	283	19	for	for	SCONJ
easat-9395	283	20	teachers	teacher	NOUN
easat-9395	283	21	to	to	PART
easat-9395	283	22	make	make	VERB
easat-9395	283	23	investment	investment	NOUN
easat-9395	283	24	decisions	decision	NOUN
easat-9395	283	25	that	that	PRON
easat-9395	283	26	have	have	VERB
easat-9395	283	27	low	low	ADJ
easat-9395	283	28	risk	risk	NOUN
easat-9395	283	29	,	,	PUNCT
easat-9395	283	30	debt	debt	NOUN
easat-9395	283	31	management	management	NOUN
easat-9395	283	32	and	and	CCONJ
easat-9395	283	33	long	long	ADJ
easat-9395	283	34	-	-	PUNCT
easat-9395	283	35	term	term	NOUN
easat-9395	283	36	savings	saving	NOUN
easat-9395	283	37	.	.	PUNCT
easat-9395	284	1	6.3	6.3	NUM
easat-9395	284	2	.	.	PUNCT
easat-9395	284	3	limitations	limitation	NOUN
easat-9395	284	4	of	of	ADP
easat-9395	284	5	the	the	DET
easat-9395	284	6	study	study	NOUN
easat-9395	284	7	despite	despite	SCONJ
easat-9395	284	8	the	the	DET
easat-9395	284	9	effort	effort	NOUN
easat-9395	284	10	to	to	PART
easat-9395	284	11	design	design	VERB
easat-9395	284	12	this	this	DET
easat-9395	284	13	research	research	NOUN
easat-9395	284	14	effectively	effectively	ADV
easat-9395	284	15	,	,	PUNCT
easat-9395	284	16	several	several	ADJ
easat-9395	284	17	limitations	limitation	NOUN
easat-9395	284	18	must	must	AUX
easat-9395	284	19	be	be	AUX
easat-9395	284	20	considered	consider	VERB
easat-9395	284	21	when	when	SCONJ
easat-9395	284	22	interpreting	interpret	VERB
easat-9395	284	23	the	the	DET
easat-9395	284	24	results	result	NOUN
easat-9395	284	25	.	.	PUNCT
easat-9395	285	1	the	the	DET
easat-9395	285	2	geographical	geographical	ADJ
easat-9395	285	3	limitations	limitation	NOUN
easat-9395	285	4	of	of	ADP
easat-9395	285	5	this	this	DET
easat-9395	285	6	study	study	NOUN
easat-9395	285	7	mean	mean	VERB
easat-9395	285	8	that	that	SCONJ
easat-9395	285	9	it	it	PRON
easat-9395	285	10	only	only	ADV
easat-9395	285	11	covers	cover	VERB
easat-9395	285	12	specific	specific	ADJ
easat-9395	285	13	areas	area	NOUN
easat-9395	285	14	,	,	PUNCT
easat-9395	285	15	and	and	CCONJ
easat-9395	285	16	thus	thus	ADV
easat-9395	285	17	the	the	DET
easat-9395	285	18	results	result	NOUN
easat-9395	285	19	may	may	AUX
easat-9395	285	20	not	not	PART
easat-9395	285	21	be	be	AUX
easat-9395	285	22	generalizable	generalizable	ADJ
easat-9395	285	23	to	to	ADP
easat-9395	285	24	the	the	DET
easat-9395	285	25	entire	entire	ADJ
easat-9395	285	26	population	population	NOUN
easat-9395	285	27	of	of	ADP
easat-9395	285	28	teachers	teacher	NOUN
easat-9395	285	29	in	in	ADP
easat-9395	285	30	economics	economic	NOUN
easat-9395	285	31	and	and	CCONJ
easat-9395	285	32	accounting	accounting	NOUN
easat-9395	285	33	.	.	PUNCT
easat-9395	286	1	funding	funding	NOUN
easat-9395	286	2	:	:	PUNCT
easat-9395	286	3	center	center	NOUN
easat-9395	286	4	for	for	ADP
easat-9395	286	5	higher	high	ADJ
easat-9395	286	6	education	education	NOUN
easat-9395	286	7	funding	funding	NOUN
easat-9395	286	8	and	and	CCONJ
easat-9395	286	9	assessment	assessment	NOUN
easat-9395	286	10	.	.	PUNCT
easat-9395	287	1	ministry	ministry	NOUN
easat-9395	287	2	of	of	ADP
easat-9395	287	3	higher	high	ADJ
easat-9395	287	4	education	education	NOUN
easat-9395	287	5	,	,	PUNCT
easat-9395	287	6	science	science	NOUN
easat-9395	287	7	,	,	PUNCT
easat-9395	287	8	and	and	CCONJ
easat-9395	287	9	technology	technology	NOUN
easat-9395	287	10	of	of	ADP
easat-9395	287	11	republic	republic	PROPN
easat-9395	287	12	indonesia	indonesia	PROPN
easat-9395	287	13	.	.	PUNCT
easat-9395	288	1	institutional	institutional	ADJ
easat-9395	288	2	review	review	PROPN
easat-9395	288	3	board	board	NOUN
easat-9395	288	4	statement	statement	NOUN
easat-9395	288	5	:	:	PUNCT
easat-9395	288	6	this	this	DET
easat-9395	288	7	study	study	NOUN
easat-9395	288	8	has	have	AUX
easat-9395	288	9	received	receive	VERB
easat-9395	288	10	ethical	ethical	ADJ
easat-9395	288	11	approval	approval	NOUN
easat-9395	288	12	obtained	obtain	VERB
easat-9395	288	13	by	by	ADP
easat-9395	288	14	the	the	DET
easat-9395	288	15	committee	committee	NOUN
easat-9395	288	16	ethic	ethic	ADJ
easat-9395	288	17	of	of	ADP
easat-9395	288	18	universitas	universita	NOUN
easat-9395	288	19	negeri	negeri	PROPN
easat-9395	288	20	malang	malang	PROPN
easat-9395	288	21	(	(	PUNCT
easat-9395	288	22	6.9.8	6.9.8	NOUN
easat-9395	288	23	/	/	SYM
easat-9395	288	24	un32.14	un32.14	PROPN
easat-9395	288	25	/	/	SYM
easat-9395	288	26	pb/2024	pb/2024	PROPN
easat-9395	288	27	)	)	PUNCT
easat-9395	288	28	.	.	PUNCT
easat-9395	289	1	transparency	transparency	NOUN
easat-9395	289	2	:	:	PUNCT
easat-9395	289	3	the	the	DET
easat-9395	289	4	authors	author	NOUN
easat-9395	289	5	confirm	confirm	VERB
easat-9395	289	6	that	that	SCONJ
easat-9395	289	7	the	the	DET
easat-9395	289	8	manuscript	manuscript	NOUN
easat-9395	289	9	is	be	AUX
easat-9395	289	10	an	an	DET
easat-9395	289	11	honest	honest	ADJ
easat-9395	289	12	,	,	PUNCT
easat-9395	289	13	accurate	accurate	ADJ
easat-9395	289	14	,	,	PUNCT
easat-9395	289	15	and	and	CCONJ
easat-9395	289	16	transparent	transparent	ADJ
easat-9395	289	17	account	account	NOUN
easat-9395	289	18	of	of	ADP
easat-9395	289	19	the	the	DET
easat-9395	289	20	study	study	NOUN
easat-9395	289	21	;	;	PUNCT
easat-9395	289	22	that	that	SCONJ
easat-9395	289	23	no	no	DET
easat-9395	289	24	vital	vital	ADJ
easat-9395	289	25	features	feature	NOUN
easat-9395	289	26	of	of	ADP
easat-9395	289	27	the	the	DET
easat-9395	289	28	study	study	NOUN
easat-9395	289	29	have	have	AUX
easat-9395	289	30	been	be	AUX
easat-9395	289	31	omitted	omit	VERB
easat-9395	289	32	;	;	PUNCT
easat-9395	289	33	and	and	CCONJ
easat-9395	289	34	that	that	SCONJ
easat-9395	289	35	any	any	DET
easat-9395	289	36	discrepancies	discrepancy	NOUN
easat-9395	289	37	from	from	ADP
easat-9395	289	38	the	the	DET
easat-9395	289	39	study	study	NOUN
easat-9395	289	40	as	as	SCONJ
easat-9395	289	41	planned	plan	VERB
easat-9395	289	42	have	have	AUX
easat-9395	289	43	been	be	AUX
easat-9395	289	44	explained	explain	VERB
easat-9395	289	45	.	.	PUNCT
easat-9395	290	1	this	this	DET
easat-9395	290	2	study	study	NOUN
easat-9395	290	3	followed	follow	VERB
easat-9395	290	4	all	all	DET
easat-9395	290	5	ethical	ethical	ADJ
easat-9395	290	6	practices	practice	NOUN
easat-9395	290	7	during	during	ADP
easat-9395	290	8	writing	writing	NOUN
easat-9395	290	9	.	.	PUNCT
easat-9395	291	1	acknowledgments	acknowledgment	NOUN
easat-9395	291	2	:	:	PUNCT
easat-9395	291	3	the	the	DET
easat-9395	291	4	author	author	NOUN
easat-9395	291	5	would	would	AUX
easat-9395	291	6	like	like	VERB
easat-9395	291	7	to	to	PART
easat-9395	291	8	express	express	VERB
easat-9395	291	9	gratitude	gratitude	NOUN
easat-9395	291	10	to	to	ADP
easat-9395	291	11	the	the	DET
easat-9395	291	12	indonesian	indonesian	PROPN
easat-9395	291	13	of	of	ADP
easat-9395	291	14	ministry	ministry	PROPN
easat-9395	291	15	of	of	ADP
easat-9395	291	16	education	education	NOUN
easat-9395	291	17	and	and	CCONJ
easat-9395	291	18	culture	culture	NOUN
easat-9395	291	19	and	and	CCONJ
easat-9395	291	20	universitas	universita	NOUN
easat-9395	291	21	negeri	negeri	PROPN
easat-9395	291	22	malang	malang	PROPN
easat-9395	291	23	for	for	ADP
easat-9395	291	24	their	their	PRON
easat-9395	291	25	support	support	NOUN
easat-9395	291	26	in	in	ADP
easat-9395	291	27	this	this	DET
easat-9395	291	28	research	research	NOUN
easat-9395	291	29	.	.	PUNCT
easat-9395	292	1	copyright	copyright	NOUN
easat-9395	292	2	:	:	PUNCT
easat-9395	292	3	©	©	PROPN
easat-9395	292	4	2025	2025	NUM
easat-9395	292	5	by	by	ADP
easat-9395	292	6	the	the	DET
easat-9395	292	7	authors	author	NOUN
easat-9395	292	8	.	.	PUNCT
easat-9395	293	1	this	this	DET
easat-9395	293	2	open	open	ADJ
easat-9395	293	3	-	-	PUNCT
easat-9395	293	4	access	access	NOUN
easat-9395	293	5	article	article	NOUN
easat-9395	293	6	is	be	AUX
easat-9395	293	7	distributed	distribute	VERB
easat-9395	293	8	under	under	ADP
easat-9395	293	9	the	the	DET
easat-9395	293	10	terms	term	NOUN
easat-9395	293	11	and	and	CCONJ
easat-9395	293	12	conditions	condition	NOUN
easat-9395	293	13	of	of	ADP
easat-9395	293	14	the	the	DET
easat-9395	293	15	creative	creative	ADJ
easat-9395	293	16	commons	common	NOUN
easat-9395	293	17	attribution	attribution	NOUN
easat-9395	293	18	(	(	PUNCT
easat-9395	293	19	cc	cc	NOUN
easat-9395	293	20	by	by	ADP
easat-9395	293	21	)	)	PUNCT
easat-9395	293	22	license	license	NOUN
easat-9395	293	23	(	(	PUNCT
easat-9395	293	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9395	293	25	)	)	PUNCT
easat-9395	293	26	.	.	PUNCT
easat-9395	294	1	references	reference	NOUN
easat-9395	294	2	[	[	X
easat-9395	294	3	1	1	NUM
easat-9395	294	4	]	]	PUNCT
easat-9395	294	5	r.	r.	PROPN
easat-9395	294	6	g.	g.	PROPN
easat-9395	294	7	netemeyer	netemeyer	PROPN
easat-9395	294	8	,	,	PUNCT
easat-9395	294	9	d.	d.	PROPN
easat-9395	294	10	warmath	warmath	PROPN
easat-9395	294	11	,	,	PUNCT
easat-9395	294	12	d.	d.	PROPN
easat-9395	294	13	fernandes	fernandes	PROPN
easat-9395	294	14	,	,	PUNCT
easat-9395	294	15	and	and	CCONJ
easat-9395	294	16	j.	j.	PROPN
easat-9395	294	17	g.	g.	PROPN
easat-9395	294	18	lynch	lynch	PROPN
easat-9395	294	19	,	,	PUNCT
easat-9395	294	20	jr	jr	PROPN
easat-9395	294	21	.	.	PROPN
easat-9395	294	22	,	,	PUNCT
easat-9395	294	23	"	"	PUNCT
easat-9395	294	24	how	how	SCONJ
easat-9395	294	25	am	be	AUX
easat-9395	294	26	i	i	PRON
easat-9395	294	27	doing	do	VERB
easat-9395	294	28	?	?	PUNCT
easat-9395	295	1	perceived	perceive	VERB
easat-9395	295	2	financial	financial	ADJ
easat-9395	295	3	well	well	NOUN
easat-9395	295	4	-	-	PUNCT
easat-9395	295	5	being	being	NOUN
easat-9395	295	6	,	,	PUNCT
easat-9395	295	7	its	its	PRON
easat-9395	295	8	potential	potential	ADJ
easat-9395	295	9	antecedents	antecedent	NOUN
easat-9395	295	10	,	,	PUNCT
easat-9395	295	11	and	and	CCONJ
easat-9395	295	12	its	its	PRON
easat-9395	295	13	relation	relation	NOUN
easat-9395	295	14	to	to	ADP
easat-9395	295	15	overall	overall	ADJ
easat-9395	295	16	well	well	ADV
easat-9395	295	17	-	-	PUNCT
easat-9395	295	18	being	being	NOUN
easat-9395	295	19	,	,	PUNCT
easat-9395	295	20	"	"	PUNCT
easat-9395	295	21	journal	journal	NOUN
easat-9395	295	22	of	of	ADP
easat-9395	295	23	consumer	consumer	NOUN
easat-9395	295	24	research	research	NOUN
easat-9395	295	25	,	,	PUNCT
easat-9395	295	26	vol	vol	NOUN
easat-9395	295	27	.	.	PROPN
easat-9395	296	1	45	45	NUM
easat-9395	296	2	,	,	PUNCT
easat-9395	296	3	no	no	INTJ
easat-9395	296	4	.	.	NOUN
easat-9395	296	5	1	1	NUM
easat-9395	296	6	,	,	PUNCT
easat-9395	296	7	pp	pp	ADJ
easat-9395	296	8	.	.	PUNCT
easat-9395	297	1	68	68	NUM
easat-9395	297	2	-	-	SYM
easat-9395	297	3	89	89	NUM
easat-9395	297	4	,	,	PUNCT
easat-9395	297	5	2018	2018	NUM
easat-9395	297	6	.	.	PUNCT
easat-9395	298	1	https://doi.org/10.1093/jcr/ucx109	https://doi.org/10.1093/jcr/ucx109	ADJ
easat-9395	298	2	[	[	X
easat-9395	298	3	2	2	X
easat-9395	298	4	]	]	PUNCT
easat-9395	298	5	f.	f.	PROPN
easat-9395	298	6	f.	f.	PROPN
easat-9395	298	7	w.	w.	PROPN
easat-9395	298	8	senduk	senduk	PROPN
easat-9395	298	9	,	,	PUNCT
easat-9395	298	10	e.	e.	PROPN
easat-9395	298	11	t.	t.	PROPN
easat-9395	298	12	djatmika	djatmika	PROPN
easat-9395	298	13	,	,	PUNCT
easat-9395	298	14	h.	h.	PROPN
easat-9395	298	15	wahyono	wahyono	PROPN
easat-9395	298	16	,	,	PUNCT
easat-9395	298	17	m.	m.	NOUN
easat-9395	298	18	churiyah	churiyah	NOUN
easat-9395	298	19	,	,	PUNCT
easat-9395	298	20	o.	o.	PROPN
easat-9395	298	21	mahasneh	mahasneh	PROPN
easat-9395	298	22	,	,	PUNCT
easat-9395	298	23	and	and	CCONJ
easat-9395	298	24	p.	p.	NOUN
easat-9395	298	25	arjanto	arjanto	ADV
easat-9395	298	26	,	,	PUNCT
easat-9395	298	27	"	"	PUNCT
easat-9395	298	28	fostering	foster	VERB
easat-9395	298	29	financially	financially	ADV
easat-9395	298	30	savvy	savvy	ADJ
easat-9395	298	31	generations	generation	NOUN
easat-9395	298	32	:	:	PUNCT
easat-9395	298	33	the	the	DET
easat-9395	298	34	intersection	intersection	NOUN
easat-9395	298	35	of	of	ADP
easat-9395	298	36	financial	financial	ADJ
easat-9395	298	37	education	education	NOUN
easat-9395	298	38	,	,	PUNCT
easat-9395	298	39	digital	digital	ADJ
easat-9395	298	40	financial	financial	ADJ
easat-9395	298	41	misconception	misconception	NOUN
easat-9395	298	42	and	and	CCONJ
easat-9395	298	43	parental	parental	ADJ
easat-9395	298	44	wellbeing	wellbeing	NOUN
easat-9395	298	45	,	,	PUNCT
easat-9395	298	46	"	"	PUNCT
easat-9395	298	47	frontiers	frontier	NOUN
easat-9395	298	48	in	in	ADP
easat-9395	298	49	education	education	NOUN
easat-9395	298	50	,	,	PUNCT
easat-9395	298	51	vol	vol	NOUN
easat-9395	298	52	.	.	NOUN
easat-9395	298	53	9	9	NUM
easat-9395	298	54	,	,	PUNCT
easat-9395	298	55	p.	p.	NOUN
easat-9395	298	56	1460374	1460374	NUM
easat-9395	298	57	,	,	PUNCT
easat-9395	298	58	2024	2024	NUM
easat-9395	298	59	.	.	PUNCT
easat-9395	299	1	https://doi.org/10.3389/feduc.2024.1460374	https://doi.org/10.3389/feduc.2024.1460374	NOUN
easat-9395	300	1	[	[	X
easat-9395	300	2	3	3	X
easat-9395	300	3	]	]	X
easat-9395	300	4	s.	s.	PROPN
easat-9395	300	5	shim	shim	PROPN
easat-9395	300	6	,	,	PUNCT
easat-9395	300	7	b.	b.	PROPN
easat-9395	300	8	l.	l.	PROPN
easat-9395	300	9	barber	barber	PROPN
easat-9395	300	10	,	,	PUNCT
easat-9395	300	11	n.	n.	NOUN
easat-9395	300	12	a.	a.	NOUN
easat-9395	300	13	card	card	NOUN
easat-9395	300	14	,	,	PUNCT
easat-9395	300	15	j.	j.	PROPN
easat-9395	300	16	j.	j.	PROPN
easat-9395	300	17	xiao	xiao	PROPN
easat-9395	300	18	,	,	PUNCT
easat-9395	300	19	and	and	CCONJ
easat-9395	300	20	j.	j.	PROPN
easat-9395	300	21	serido	serido	PROPN
easat-9395	300	22	,	,	PUNCT
easat-9395	300	23	"	"	PUNCT
easat-9395	300	24	financial	financial	ADJ
easat-9395	300	25	socialization	socialization	NOUN
easat-9395	300	26	of	of	ADP
easat-9395	300	27	first	first	ADJ
easat-9395	300	28	-	-	PUNCT
easat-9395	300	29	year	year	NOUN
easat-9395	300	30	college	college	NOUN
easat-9395	300	31	students	student	NOUN
easat-9395	300	32	:	:	PUNCT
easat-9395	300	33	the	the	DET
easat-9395	300	34	roles	role	NOUN
easat-9395	300	35	of	of	ADP
easat-9395	300	36	parents	parent	NOUN
easat-9395	300	37	,	,	PUNCT
easat-9395	300	38	work	work	NOUN
easat-9395	300	39	,	,	PUNCT
easat-9395	300	40	and	and	CCONJ
easat-9395	300	41	education	education	NOUN
easat-9395	300	42	,	,	PUNCT
easat-9395	300	43	"	"	PUNCT
easat-9395	300	44	journal	journal	NOUN
easat-9395	300	45	of	of	ADP
easat-9395	300	46	youth	youth	NOUN
easat-9395	300	47	and	and	CCONJ
easat-9395	300	48	adolescence	adolescence	NOUN
easat-9395	300	49	,	,	PUNCT
easat-9395	300	50	vol	vol	NOUN
easat-9395	300	51	.	.	PROPN
easat-9395	300	52	39	39	NUM
easat-9395	300	53	,	,	PUNCT
easat-9395	300	54	no	no	INTJ
easat-9395	300	55	.	.	NOUN
easat-9395	300	56	12	12	NUM
easat-9395	300	57	,	,	PUNCT
easat-9395	300	58	pp	pp	ADJ
easat-9395	300	59	.	.	PUNCT
easat-9395	300	60	1457	1457	NUM
easat-9395	300	61	-	-	SYM
easat-9395	300	62	1470	1470	NUM
easat-9395	300	63	,	,	PUNCT
easat-9395	300	64	2010	2010	NUM
easat-9395	300	65	.	.	PUNCT
easat-9395	301	1	https://doi.org/10.1007/s10964-009-9432-x	https://doi.org/10.1007/s10964-009-9432-x	PROPN
easat-9395	301	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9395	302	1	https://doi.org/10.1093/jcr/ucx109	https://doi.org/10.1093/jcr/ucx109	PROPN
easat-9395	302	2	https://doi.org/10.3389/feduc.2024.1460374	https://doi.org/10.3389/feduc.2024.1460374	PROPN
easat-9395	302	3	https://doi.org/10.1007/s10964-009-9432-x	https://doi.org/10.1007/s10964-009-9432-x	PROPN
easat-9395	302	4	663	663	NUM
easat-9395	302	5	edelweiss	edelweiss	PROPN
easat-9395	302	6	applied	apply	VERB
easat-9395	302	7	science	science	NOUN
easat-9395	302	8	and	and	CCONJ
easat-9395	302	9	technology	technology	NOUN
easat-9395	302	10	issn	issn	PROPN
easat-9395	302	11	:	:	PUNCT
easat-9395	302	12	2576	2576	NUM
easat-9395	302	13	-	-	SYM
easat-9395	302	14	8484	8484	NUM
easat-9395	302	15	vol	vol	NOUN
easat-9395	302	16	.	.	PROPN
easat-9395	303	1	9	9	NUM
easat-9395	303	2	,	,	PUNCT
easat-9395	303	3	no	no	INTJ
easat-9395	303	4	.	.	NOUN
easat-9395	303	5	8	8	NUM
easat-9395	303	6	:	:	PUNCT
easat-9395	303	7	652	652	NUM
easat-9395	303	8	-	-	SYM
easat-9395	303	9	665	665	NUM
easat-9395	303	10	,	,	PUNCT
easat-9395	303	11	2025	2025	NUM
easat-9395	303	12	doi	doi	NOUN
easat-9395	303	13	:	:	PUNCT
easat-9395	303	14	10.55214/2576	10.55214/2576	NUM
easat-9395	303	15	-	-	NOUN
easat-9395	303	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	303	17	©	©	PROPN
easat-9395	303	18	2025	2025	NUM
easat-9395	303	19	by	by	ADP
easat-9395	303	20	the	the	DET
easat-9395	303	21	authors	author	NOUN
easat-9395	303	22	;	;	PUNCT
easat-9395	303	23	licensee	licensee	PROPN
easat-9395	303	24	learning	learning	NOUN
easat-9395	303	25	gate	gate	NOUN
easat-9395	304	1	[	[	X
easat-9395	304	2	4	4	NUM
easat-9395	304	3	]	]	PUNCT
easat-9395	304	4	s.	s.	PROPN
easat-9395	304	5	asebedo	asebedo	PROPN
easat-9395	304	6	and	and	CCONJ
easat-9395	304	7	p.	p.	PROPN
easat-9395	304	8	payne	payne	PROPN
easat-9395	304	9	,	,	PUNCT
easat-9395	304	10	"	"	PUNCT
easat-9395	304	11	market	market	NOUN
easat-9395	304	12	volatility	volatility	NOUN
easat-9395	304	13	and	and	CCONJ
easat-9395	304	14	financial	financial	ADJ
easat-9395	304	15	satisfaction	satisfaction	NOUN
easat-9395	304	16	:	:	PUNCT
easat-9395	304	17	the	the	DET
easat-9395	304	18	role	role	NOUN
easat-9395	304	19	of	of	ADP
easat-9395	304	20	financial	financial	ADJ
easat-9395	304	21	self	self	NOUN
easat-9395	304	22	-	-	PUNCT
easat-9395	304	23	efficacy	efficacy	NOUN
easat-9395	304	24	,	,	PUNCT
easat-9395	304	25	"	"	PUNCT
easat-9395	304	26	journal	journal	NOUN
easat-9395	304	27	of	of	ADP
easat-9395	304	28	behavioral	behavioral	ADJ
easat-9395	304	29	finance	finance	NOUN
easat-9395	304	30	,	,	PUNCT
easat-9395	304	31	vol	vol	NOUN
easat-9395	304	32	.	.	PROPN
easat-9395	304	33	20	20	NUM
easat-9395	304	34	,	,	PUNCT
easat-9395	304	35	no	no	INTJ
easat-9395	304	36	.	.	NOUN
easat-9395	304	37	1	1	NUM
easat-9395	304	38	,	,	PUNCT
easat-9395	304	39	pp	pp	ADJ
easat-9395	304	40	.	.	PUNCT
easat-9395	305	1	42	42	NUM
easat-9395	305	2	-	-	SYM
easat-9395	305	3	52	52	NUM
easat-9395	305	4	,	,	PUNCT
easat-9395	305	5	2019	2019	NUM
easat-9395	305	6	.	.	PUNCT
easat-9395	305	7	https://doi.org/10.1080/15427560.2018.1434655	https://doi.org/10.1080/15427560.2018.1434655	NOUN
easat-9395	306	1	[	[	X
easat-9395	306	2	5	5	X
easat-9395	306	3	]	]	PUNCT
easat-9395	306	4	s.	s.	PROPN
easat-9395	306	5	oishi	oishi	PROPN
easat-9395	306	6	,	,	PUNCT
easat-9395	306	7	e.	e.	PROPN
easat-9395	306	8	diener	diener	PROPN
easat-9395	306	9	,	,	PUNCT
easat-9395	306	10	and	and	CCONJ
easat-9395	306	11	r.	r.	PROPN
easat-9395	306	12	e.	e.	PROPN
easat-9395	306	13	lucas	lucas	PROPN
easat-9395	306	14	,	,	PUNCT
easat-9395	306	15	"	"	PUNCT
easat-9395	306	16	the	the	DET
easat-9395	306	17	optimum	optimum	ADJ
easat-9395	306	18	level	level	NOUN
easat-9395	306	19	of	of	ADP
easat-9395	306	20	well	well	ADV
easat-9395	306	21	-	-	PUNCT
easat-9395	306	22	being	being	NOUN
easat-9395	306	23	:	:	PUNCT
easat-9395	306	24	can	can	AUX
easat-9395	306	25	people	people	NOUN
easat-9395	306	26	be	be	AUX
easat-9395	306	27	too	too	ADV
easat-9395	306	28	happy	happy	ADJ
easat-9395	306	29	?	?	PUNCT
easat-9395	306	30	,	,	PUNCT
easat-9395	306	31	"	"	PUNCT
easat-9395	306	32	perspectives	perspective	NOUN
easat-9395	306	33	on	on	ADP
easat-9395	306	34	psychological	psychological	ADJ
easat-9395	306	35	science	science	NOUN
easat-9395	306	36	,	,	PUNCT
easat-9395	306	37	vol	vol	NOUN
easat-9395	306	38	.	.	PROPN
easat-9395	306	39	2	2	NUM
easat-9395	306	40	,	,	PUNCT
easat-9395	306	41	no	no	INTJ
easat-9395	306	42	.	.	NOUN
easat-9395	306	43	4	4	NUM
easat-9395	306	44	,	,	PUNCT
easat-9395	306	45	pp	pp	ADJ
easat-9395	306	46	.	.	PUNCT
easat-9395	307	1	346	346	NUM
easat-9395	307	2	-	-	SYM
easat-9395	307	3	360	360	NUM
easat-9395	307	4	,	,	PUNCT
easat-9395	307	5	2007	2007	NUM
easat-9395	307	6	.	.	PUNCT
easat-9395	308	1	https://doi.org/10.1111/j.1745-6916.2007.00048.x	https://doi.org/10.1111/j.1745-6916.2007.00048.x	ADJ
easat-9395	308	2	[	[	X
easat-9395	308	3	6	6	NUM
easat-9395	308	4	]	]	X
easat-9395	308	5	n.	n.	PROPN
easat-9395	308	6	prakash	prakash	PROPN
easat-9395	308	7	,	,	PUNCT
easat-9395	308	8	s.	s.	PROPN
easat-9395	308	9	alagarsamy	alagarsamy	PROPN
easat-9395	308	10	,	,	PUNCT
easat-9395	308	11	and	and	CCONJ
easat-9395	308	12	a.	a.	NOUN
easat-9395	308	13	hawaldar	hawaldar	NOUN
easat-9395	308	14	,	,	PUNCT
easat-9395	308	15	"	"	PUNCT
easat-9395	308	16	demographic	demographic	ADJ
easat-9395	308	17	characteristics	characteristic	NOUN
easat-9395	308	18	influencing	influence	VERB
easat-9395	308	19	financial	financial	ADJ
easat-9395	308	20	wellbeing	wellbeing	NOUN
easat-9395	308	21	:	:	PUNCT
easat-9395	308	22	a	a	DET
easat-9395	308	23	multigroup	multigroup	ADJ
easat-9395	308	24	analysis	analysis	NOUN
easat-9395	308	25	,	,	PUNCT
easat-9395	308	26	"	"	PUNCT
easat-9395	308	27	managerial	managerial	ADJ
easat-9395	308	28	finance	finance	NOUN
easat-9395	308	29	,	,	PUNCT
easat-9395	308	30	vol	vol	NOUN
easat-9395	308	31	.	.	PROPN
easat-9395	308	32	48	48	NUM
easat-9395	308	33	,	,	PUNCT
easat-9395	308	34	no	no	INTJ
easat-9395	308	35	.	.	NOUN
easat-9395	308	36	9	9	NUM
easat-9395	308	37	-	-	SYM
easat-9395	308	38	10	10	NUM
easat-9395	308	39	,	,	PUNCT
easat-9395	308	40	pp	pp	ADJ
easat-9395	308	41	.	.	PUNCT
easat-9395	309	1	1334	1334	NUM
easat-9395	309	2	-	-	SYM
easat-9395	309	3	1351	1351	NUM
easat-9395	309	4	,	,	PUNCT
easat-9395	309	5	2022	2022	NUM
easat-9395	309	6	.	.	PUNCT
easat-9395	310	1	https://doi.org/10.1108/mf-092021-0466	https://doi.org/10.1108/mf-092021-0466	PUNCT
easat-9395	311	1	[	[	X
easat-9395	311	2	7	7	X
easat-9395	311	3	]	]	PUNCT
easat-9395	311	4	j.	j.	PROPN
easat-9395	311	5	j.	j.	PROPN
easat-9395	311	6	xiao	xiao	PROPN
easat-9395	311	7	,	,	PUNCT
easat-9395	311	8	c.	c.	PROPN
easat-9395	311	9	tang	tang	PROPN
easat-9395	311	10	,	,	PUNCT
easat-9395	311	11	and	and	CCONJ
easat-9395	311	12	s.	s.	PROPN
easat-9395	311	13	shim	shim	PROPN
easat-9395	311	14	,	,	PUNCT
easat-9395	311	15	"	"	PUNCT
easat-9395	311	16	acting	act	VERB
easat-9395	311	17	for	for	ADP
easat-9395	311	18	happiness	happiness	NOUN
easat-9395	311	19	:	:	PUNCT
easat-9395	311	20	financial	financial	ADJ
easat-9395	311	21	behavior	behavior	NOUN
easat-9395	311	22	and	and	CCONJ
easat-9395	311	23	life	life	NOUN
easat-9395	311	24	satisfaction	satisfaction	NOUN
easat-9395	311	25	of	of	ADP
easat-9395	311	26	college	college	NOUN
easat-9395	311	27	students	student	NOUN
easat-9395	311	28	,	,	PUNCT
easat-9395	311	29	"	"	PUNCT
easat-9395	311	30	social	social	ADJ
easat-9395	311	31	indicators	indicator	NOUN
easat-9395	311	32	research	research	NOUN
easat-9395	311	33	,	,	PUNCT
easat-9395	311	34	vol	vol	NOUN
easat-9395	311	35	.	.	PROPN
easat-9395	311	36	92	92	NUM
easat-9395	311	37	,	,	PUNCT
easat-9395	311	38	no	no	INTJ
easat-9395	311	39	.	.	NOUN
easat-9395	311	40	1	1	NUM
easat-9395	311	41	,	,	PUNCT
easat-9395	311	42	pp	pp	ADJ
easat-9395	311	43	.	.	PUNCT
easat-9395	312	1	53	53	NUM
easat-9395	312	2	-	-	SYM
easat-9395	312	3	68	68	NUM
easat-9395	312	4	,	,	PUNCT
easat-9395	312	5	2009	2009	NUM
easat-9395	312	6	.	.	PUNCT
easat-9395	313	1	https://doi.org/10.1007/s11205-008-9288-6	https://doi.org/10.1007/s11205-008-9288-6	PUNCT
easat-9395	314	1	[	[	X
easat-9395	314	2	8	8	NUM
easat-9395	314	3	]	]	PUNCT
easat-9395	314	4	p.	p.	NOUN
easat-9395	314	5	chepngetich	chepngetich	NOUN
easat-9395	314	6	,	,	PUNCT
easat-9395	314	7	"	"	PUNCT
easat-9395	314	8	effect	effect	NOUN
easat-9395	314	9	of	of	ADP
easat-9395	314	10	financial	financial	ADJ
easat-9395	314	11	literacy	literacy	NOUN
easat-9395	314	12	on	on	ADP
easat-9395	314	13	the	the	DET
easat-9395	314	14	performance	performance	NOUN
easat-9395	314	15	of	of	ADP
easat-9395	314	16	smes	sme	NOUN
easat-9395	314	17	:	:	PUNCT
easat-9395	314	18	evidence	evidence	NOUN
easat-9395	314	19	from	from	ADP
easat-9395	314	20	kenya	kenya	NOUN
easat-9395	314	21	,	,	PUNCT
easat-9395	314	22	"	"	PUNCT
easat-9395	314	23	american	american	PROPN
easat-9395	314	24	based	base	VERB
easat-9395	314	25	research	research	NOUN
easat-9395	314	26	journal	journal	PROPN
easat-9395	314	27	,	,	PUNCT
easat-9395	314	28	vol	vol	NOUN
easat-9395	314	29	.	.	PROPN
easat-9395	314	30	5	5	NUM
easat-9395	314	31	,	,	PUNCT
easat-9395	314	32	no	no	INTJ
easat-9395	314	33	.	.	NOUN
easat-9395	314	34	1	1	NUM
easat-9395	314	35	,	,	PUNCT
easat-9395	314	36	pp	pp	ADJ
easat-9395	314	37	.	.	PUNCT
easat-9395	315	1	26–35	26–35	NUM
easat-9395	315	2	,	,	PUNCT
easat-9395	315	3	2016	2016	NUM
easat-9395	315	4	.	.	PUNCT
easat-9395	316	1	[	[	X
easat-9395	316	2	9	9	NUM
easat-9395	316	3	]	]	PUNCT
easat-9395	316	4	a.	a.	NOUN
easat-9395	316	5	s.	s.	PROPN
easat-9395	316	6	woodyard	woodyard	PROPN
easat-9395	316	7	and	and	CCONJ
easat-9395	316	8	c.	c.	PROPN
easat-9395	316	9	a.	a.	PROPN
easat-9395	316	10	robb	robb	PROPN
easat-9395	316	11	,	,	PUNCT
easat-9395	316	12	"	"	PUNCT
easat-9395	316	13	consideration	consideration	NOUN
easat-9395	316	14	of	of	ADP
easat-9395	316	15	financial	financial	ADJ
easat-9395	316	16	satisfaction	satisfaction	NOUN
easat-9395	316	17	:	:	PUNCT
easat-9395	316	18	what	what	PRON
easat-9395	316	19	consumers	consumer	NOUN
easat-9395	316	20	know	know	VERB
easat-9395	316	21	,	,	PUNCT
easat-9395	316	22	feel	feel	VERB
easat-9395	316	23	and	and	CCONJ
easat-9395	316	24	do	do	VERB
easat-9395	316	25	from	from	ADP
easat-9395	316	26	a	a	DET
easat-9395	316	27	financial	financial	ADJ
easat-9395	316	28	perspective	perspective	NOUN
easat-9395	316	29	,	,	PUNCT
easat-9395	316	30	"	"	PUNCT
easat-9395	316	31	journal	journal	NOUN
easat-9395	316	32	of	of	ADP
easat-9395	316	33	financial	financial	ADJ
easat-9395	316	34	therapy	therapy	NOUN
easat-9395	316	35	,	,	PUNCT
easat-9395	316	36	vol	vol	NOUN
easat-9395	316	37	.	.	PROPN
easat-9395	317	1	7	7	NUM
easat-9395	317	2	,	,	PUNCT
easat-9395	317	3	no	no	INTJ
easat-9395	317	4	.	.	NOUN
easat-9395	317	5	2	2	NUM
easat-9395	317	6	,	,	PUNCT
easat-9395	317	7	pp	pp	ADJ
easat-9395	317	8	.	.	PUNCT
easat-9395	318	1	41	41	NUM
easat-9395	318	2	-	-	SYM
easat-9395	318	3	61	61	NUM
easat-9395	318	4	,	,	PUNCT
easat-9395	318	5	2016	2016	NUM
easat-9395	318	6	.	.	PUNCT
easat-9395	319	1	https://doi.org/10.4148/19449771.1102	https://doi.org/10.4148/19449771.1102	NOUN
easat-9395	320	1	[	[	X
easat-9395	320	2	10	10	NUM
easat-9395	320	3	]	]	X
easat-9395	320	4	e.	e.	PROPN
easat-9395	320	5	c.	c.	PROPN
easat-9395	320	6	brüggen	brüggen	PROPN
easat-9395	320	7	,	,	PUNCT
easat-9395	320	8	j.	j.	PROPN
easat-9395	320	9	hogreve	hogreve	PROPN
easat-9395	320	10	,	,	PUNCT
easat-9395	320	11	m.	m.	NOUN
easat-9395	320	12	holmlund	holmlund	PROPN
easat-9395	320	13	,	,	PUNCT
easat-9395	320	14	s.	s.	PROPN
easat-9395	320	15	kabadayi	kabadayi	PROPN
easat-9395	320	16	,	,	PUNCT
easat-9395	320	17	and	and	CCONJ
easat-9395	320	18	m.	m.	PROPN
easat-9395	320	19	löfgren	löfgren	PROPN
easat-9395	320	20	,	,	PUNCT
easat-9395	320	21	"	"	PUNCT
easat-9395	320	22	financial	financial	ADJ
easat-9395	320	23	well	well	NOUN
easat-9395	320	24	-	-	PUNCT
easat-9395	320	25	being	being	NOUN
easat-9395	320	26	:	:	PUNCT
easat-9395	320	27	a	a	DET
easat-9395	320	28	conceptualization	conceptualization	NOUN
easat-9395	320	29	and	and	CCONJ
easat-9395	320	30	research	research	NOUN
easat-9395	320	31	agenda	agenda	NOUN
easat-9395	320	32	,	,	PUNCT
easat-9395	320	33	"	"	PUNCT
easat-9395	320	34	journal	journal	NOUN
easat-9395	320	35	of	of	ADP
easat-9395	320	36	business	business	NOUN
easat-9395	320	37	research	research	NOUN
easat-9395	320	38	,	,	PUNCT
easat-9395	320	39	vol	vol	NOUN
easat-9395	320	40	.	.	PROPN
easat-9395	320	41	79	79	NUM
easat-9395	320	42	,	,	PUNCT
easat-9395	320	43	pp	pp	ADJ
easat-9395	320	44	.	.	PUNCT
easat-9395	321	1	228	228	NUM
easat-9395	321	2	-	-	SYM
easat-9395	321	3	237	237	NUM
easat-9395	321	4	,	,	PUNCT
easat-9395	321	5	2017	2017	NUM
easat-9395	321	6	.	.	PUNCT
easat-9395	322	1	https://doi.org/10.1016/j.jbusres.2017.03.013	https://doi.org/10.1016/j.jbusres.2017.03.013	PRON
easat-9395	322	2	[	[	X
easat-9395	322	3	11	11	NUM
easat-9395	322	4	]	]	PUNCT
easat-9395	322	5	a.	a.	NOUN
easat-9395	322	6	prawitz	prawitz	PROPN
easat-9395	322	7	,	,	PUNCT
easat-9395	322	8	e.	e.	PROPN
easat-9395	322	9	garman	garman	PROPN
easat-9395	322	10	,	,	PUNCT
easat-9395	322	11	s.	s.	PROPN
easat-9395	322	12	benoit	benoit	PROPN
easat-9395	322	13	,	,	PUNCT
easat-9395	322	14	o.	o.	PROPN
easat-9395	322	15	barbara	barbara	PROPN
easat-9395	322	16	,	,	PUNCT
easat-9395	322	17	j.	j.	PROPN
easat-9395	322	18	kim	kim	PROPN
easat-9395	322	19	,	,	PUNCT
easat-9395	322	20	and	and	CCONJ
easat-9395	322	21	p.	p.	NOUN
easat-9395	322	22	drentea	drentea	NOUN
easat-9395	322	23	,	,	PUNCT
easat-9395	322	24	"	"	PUNCT
easat-9395	322	25	incharge	incharge	NOUN
easat-9395	322	26	financial	financial	ADJ
easat-9395	322	27	distress	distress	NOUN
easat-9395	322	28	/	/	SYM
easat-9395	322	29	financial	financial	ADJ
easat-9395	322	30	wellbeing	wellbee	VERB
easat-9395	322	31	scale	scale	NOUN
easat-9395	322	32	:	:	PUNCT
easat-9395	322	33	development	development	NOUN
easat-9395	322	34	,	,	PUNCT
easat-9395	322	35	administration	administration	NOUN
easat-9395	322	36	,	,	PUNCT
easat-9395	322	37	and	and	CCONJ
easat-9395	322	38	score	score	NOUN
easat-9395	322	39	interpretation	interpretation	NOUN
easat-9395	322	40	,	,	PUNCT
easat-9395	322	41	"	"	PUNCT
easat-9395	322	42	financial	financial	ADJ
easat-9395	322	43	counseling	counseling	NOUN
easat-9395	322	44	and	and	CCONJ
easat-9395	322	45	planning	planning	NOUN
easat-9395	322	46	,	,	PUNCT
easat-9395	322	47	p.	p.	NOUN
easat-9395	322	48	17	17	NUM
easat-9395	322	49	,	,	PUNCT
easat-9395	322	50	2006	2006	NUM
easat-9395	322	51	.	.	PUNCT
easat-9395	323	1	https://doi.org/10.1037/t60365-000	https://doi.org/10.1037/t60365-000	PROPN
easat-9395	324	1	[	[	X
easat-9395	324	2	12	12	NUM
easat-9395	324	3	]	]	PUNCT
easat-9395	324	4	e.	e.	PROPN
easat-9395	324	5	vera	vera	PROPN
easat-9395	324	6	-	-	PUNCT
easat-9395	324	7	toscano	toscano	PROPN
easat-9395	324	8	,	,	PUNCT
easat-9395	324	9	v.	v.	ADP
easat-9395	324	10	ateca	ateca	NOUN
easat-9395	324	11	-	-	PUNCT
easat-9395	324	12	amestoy	amestoy	NOUN
easat-9395	324	13	,	,	PUNCT
easat-9395	324	14	and	and	CCONJ
easat-9395	324	15	r.	r.	PROPN
easat-9395	324	16	serrano	serrano	PROPN
easat-9395	324	17	-	-	PUNCT
easat-9395	324	18	del	del	NOUN
easat-9395	324	19	-	-	PUNCT
easat-9395	324	20	rosal	rosal	NOUN
easat-9395	324	21	,	,	PUNCT
easat-9395	324	22	"	"	PUNCT
easat-9395	324	23	building	build	VERB
easat-9395	324	24	financial	financial	ADJ
easat-9395	324	25	satisfaction	satisfaction	NOUN
easat-9395	324	26	,	,	PUNCT
easat-9395	324	27	"	"	PUNCT
easat-9395	324	28	social	social	ADJ
easat-9395	324	29	indicators	indicator	NOUN
easat-9395	324	30	research	research	NOUN
easat-9395	324	31	,	,	PUNCT
easat-9395	324	32	vol	vol	NOUN
easat-9395	324	33	.	.	PROPN
easat-9395	325	1	77	77	NUM
easat-9395	325	2	,	,	PUNCT
easat-9395	325	3	no	no	INTJ
easat-9395	325	4	.	.	NOUN
easat-9395	325	5	2	2	NUM
easat-9395	325	6	,	,	PUNCT
easat-9395	325	7	pp	pp	ADJ
easat-9395	325	8	.	.	PUNCT
easat-9395	326	1	211	211	NUM
easat-9395	326	2	-	-	SYM
easat-9395	326	3	243	243	NUM
easat-9395	326	4	,	,	PUNCT
easat-9395	326	5	2006	2006	NUM
easat-9395	326	6	.	.	PUNCT
easat-9395	327	1	[	[	X
easat-9395	327	2	13	13	NUM
easat-9395	327	3	]	]	PUNCT
easat-9395	327	4	t.	t.	PROPN
easat-9395	327	5	k.	k.	PROPN
easat-9395	327	6	hira	hira	PROPN
easat-9395	327	7	and	and	CCONJ
easat-9395	327	8	o.	o.	PROPN
easat-9395	327	9	m.	m.	NOUN
easat-9395	327	10	mugenda	mugenda	NOUN
easat-9395	327	11	,	,	PUNCT
easat-9395	327	12	"	"	PUNCT
easat-9395	327	13	predictors	predictor	NOUN
easat-9395	327	14	of	of	ADP
easat-9395	327	15	financial	financial	ADJ
easat-9395	327	16	satisfaction	satisfaction	NOUN
easat-9395	327	17	:	:	PUNCT
easat-9395	327	18	differences	difference	NOUN
easat-9395	327	19	between	between	ADP
easat-9395	327	20	retirees	retiree	NOUN
easat-9395	327	21	and	and	CCONJ
easat-9395	327	22	non	non	NOUN
easat-9395	327	23	-	-	NOUN
easat-9395	327	24	retirees	retiree	NOUN
easat-9395	327	25	,	,	PUNCT
easat-9395	327	26	"	"	PUNCT
easat-9395	327	27	journal	journal	NOUN
easat-9395	327	28	of	of	ADP
easat-9395	327	29	financial	financial	ADJ
easat-9395	327	30	counseling	counseling	NOUN
easat-9395	327	31	and	and	CCONJ
easat-9395	327	32	planning	planning	NOUN
easat-9395	327	33	,	,	PUNCT
easat-9395	327	34	vol	vol	NOUN
easat-9395	327	35	.	.	PROPN
easat-9395	327	36	9	9	NUM
easat-9395	327	37	,	,	PUNCT
easat-9395	327	38	no	no	INTJ
easat-9395	327	39	.	.	NOUN
easat-9395	327	40	2	2	NUM
easat-9395	327	41	,	,	PUNCT
easat-9395	327	42	pp	pp	ADJ
easat-9395	327	43	.	.	PUNCT
easat-9395	328	1	75	75	NUM
easat-9395	328	2	-	-	SYM
easat-9395	328	3	84	84	NUM
easat-9395	328	4	,	,	PUNCT
easat-9395	328	5	1998	1998	NUM
easat-9395	328	6	.	.	PUNCT
easat-9395	329	1	[	[	X
easat-9395	329	2	14	14	NUM
easat-9395	329	3	]	]	PUNCT
easat-9395	329	4	s.-h	s.-h	NOUN
easat-9395	329	5	.	.	PUNCT
easat-9395	330	1	joo	joo	PROPN
easat-9395	330	2	and	and	CCONJ
easat-9395	330	3	j.	j.	PROPN
easat-9395	330	4	e.	e.	PROPN
easat-9395	330	5	grable	grable	PROPN
easat-9395	330	6	,	,	PUNCT
easat-9395	330	7	"	"	PUNCT
easat-9395	330	8	an	an	DET
easat-9395	330	9	exploratory	exploratory	ADJ
easat-9395	330	10	framework	framework	NOUN
easat-9395	330	11	of	of	ADP
easat-9395	330	12	the	the	DET
easat-9395	330	13	determinants	determinant	NOUN
easat-9395	330	14	of	of	ADP
easat-9395	330	15	financial	financial	ADJ
easat-9395	330	16	satisfaction	satisfaction	NOUN
easat-9395	330	17	,	,	PUNCT
easat-9395	330	18	"	"	PUNCT
easat-9395	330	19	journal	journal	NOUN
easat-9395	330	20	of	of	ADP
easat-9395	330	21	family	family	NOUN
easat-9395	330	22	and	and	CCONJ
easat-9395	330	23	economic	economic	ADJ
easat-9395	330	24	issues	issue	NOUN
easat-9395	330	25	,	,	PUNCT
easat-9395	330	26	vol	vol	NOUN
easat-9395	330	27	.	.	PROPN
easat-9395	330	28	25	25	NUM
easat-9395	330	29	,	,	PUNCT
easat-9395	330	30	no	no	INTJ
easat-9395	330	31	.	.	NOUN
easat-9395	330	32	1	1	NUM
easat-9395	330	33	,	,	PUNCT
easat-9395	330	34	pp	pp	ADJ
easat-9395	330	35	.	.	PUNCT
easat-9395	331	1	25	25	NUM
easat-9395	331	2	-	-	SYM
easat-9395	331	3	50	50	NUM
easat-9395	331	4	,	,	PUNCT
easat-9395	331	5	2004	2004	NUM
easat-9395	331	6	.	.	PUNCT
easat-9395	332	1	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	NOUN
easat-9395	333	1	[	[	X
easat-9395	333	2	15	15	NUM
easat-9395	333	3	]	]	PUNCT
easat-9395	333	4	t.	t.	PROPN
easat-9395	333	5	hansen	hansen	PROPN
easat-9395	333	6	,	,	PUNCT
easat-9395	333	7	b.	b.	PROPN
easat-9395	333	8	slagsvold	slagsvold	PROPN
easat-9395	333	9	,	,	PUNCT
easat-9395	333	10	and	and	CCONJ
easat-9395	333	11	t.	t.	PROPN
easat-9395	333	12	moum	moum	PROPN
easat-9395	333	13	,	,	PUNCT
easat-9395	333	14	"	"	PUNCT
easat-9395	333	15	financial	financial	ADJ
easat-9395	333	16	satisfaction	satisfaction	NOUN
easat-9395	333	17	in	in	ADP
easat-9395	333	18	old	old	ADJ
easat-9395	333	19	age	age	NOUN
easat-9395	333	20	:	:	PUNCT
easat-9395	333	21	a	a	DET
easat-9395	333	22	satisfaction	satisfaction	NOUN
easat-9395	333	23	paradox	paradox	NOUN
easat-9395	333	24	or	or	CCONJ
easat-9395	333	25	a	a	DET
easat-9395	333	26	result	result	NOUN
easat-9395	333	27	of	of	ADP
easat-9395	333	28	accumulated	accumulate	VERB
easat-9395	333	29	wealth	wealth	NOUN
easat-9395	333	30	?	?	PUNCT
easat-9395	333	31	,	,	PUNCT
easat-9395	333	32	"	"	PUNCT
easat-9395	333	33	social	social	ADJ
easat-9395	333	34	indicators	indicator	NOUN
easat-9395	333	35	research	research	NOUN
easat-9395	333	36	,	,	PUNCT
easat-9395	333	37	vol	vol	NOUN
easat-9395	333	38	.	.	PROPN
easat-9395	333	39	89	89	NUM
easat-9395	333	40	,	,	PUNCT
easat-9395	333	41	no	no	INTJ
easat-9395	333	42	.	.	NOUN
easat-9395	333	43	2	2	NUM
easat-9395	333	44	,	,	PUNCT
easat-9395	333	45	pp	pp	ADJ
easat-9395	333	46	.	.	PUNCT
easat-9395	334	1	323	323	NUM
easat-9395	334	2	-	-	SYM
easat-9395	334	3	347	347	NUM
easat-9395	334	4	,	,	PUNCT
easat-9395	334	5	2008	2008	NUM
easat-9395	334	6	.	.	PUNCT
easat-9395	335	1	https://doi.org/10.1007/s11205007-9234-z	https://doi.org/10.1007/s11205007-9234-z	PROPN
easat-9395	336	1	[	[	X
easat-9395	336	2	16	16	NUM
easat-9395	336	3	]	]	PUNCT
easat-9395	336	4	a.	a.	NOUN
easat-9395	336	5	c.	c.	PROPN
easat-9395	336	6	plagnol	plagnol	NOUN
easat-9395	336	7	,	,	PUNCT
easat-9395	336	8	"	"	PUNCT
easat-9395	336	9	financial	financial	ADJ
easat-9395	336	10	satisfaction	satisfaction	NOUN
easat-9395	336	11	over	over	ADP
easat-9395	336	12	the	the	DET
easat-9395	336	13	life	life	NOUN
easat-9395	336	14	course	course	NOUN
easat-9395	336	15	:	:	PUNCT
easat-9395	336	16	the	the	DET
easat-9395	336	17	influence	influence	NOUN
easat-9395	336	18	of	of	ADP
easat-9395	336	19	assets	asset	NOUN
easat-9395	336	20	and	and	CCONJ
easat-9395	336	21	liabilities	liability	NOUN
easat-9395	336	22	,	,	PUNCT
easat-9395	336	23	"	"	PUNCT
easat-9395	336	24	journal	journal	NOUN
easat-9395	336	25	of	of	ADP
easat-9395	336	26	economic	economic	ADJ
easat-9395	336	27	psychology	psychology	NOUN
easat-9395	336	28	,	,	PUNCT
easat-9395	336	29	vol	vol	NOUN
easat-9395	336	30	.	.	PROPN
easat-9395	336	31	32	32	NUM
easat-9395	336	32	,	,	PUNCT
easat-9395	336	33	no	no	INTJ
easat-9395	336	34	.	.	NOUN
easat-9395	336	35	1	1	NUM
easat-9395	336	36	,	,	PUNCT
easat-9395	336	37	pp	pp	ADJ
easat-9395	336	38	.	.	PUNCT
easat-9395	337	1	45	45	NUM
easat-9395	337	2	-	-	SYM
easat-9395	337	3	64	64	NUM
easat-9395	337	4	,	,	PUNCT
easat-9395	337	5	2011	2011	NUM
easat-9395	337	6	.	.	PUNCT
easat-9395	338	1	https://doi.org/10.1016/j.joep.2010.10.006	https://doi.org/10.1016/j.joep.2010.10.006	NOUN
easat-9395	338	2	[	[	X
easat-9395	338	3	17	17	NUM
easat-9395	338	4	]	]	X
easat-9395	338	5	l.	l.	PROPN
easat-9395	338	6	klapper	klapper	PROPN
easat-9395	338	7	,	,	PUNCT
easat-9395	338	8	g.	g.	PROPN
easat-9395	338	9	panos	panos	PROPN
easat-9395	338	10	,	,	PUNCT
easat-9395	338	11	d.	d.	PROPN
easat-9395	338	12	smallbone	smallbone	NOUN
easat-9395	338	13	,	,	PUNCT
easat-9395	338	14	m.	m.	NOUN
easat-9395	338	15	manimala	manimala	NOUN
easat-9395	338	16	,	,	PUNCT
easat-9395	338	17	and	and	CCONJ
easat-9395	338	18	g.	g.	PROPN
easat-9395	338	19	prause	prause	PROPN
easat-9395	338	20	,	,	PUNCT
easat-9395	338	21	"	"	PUNCT
easat-9395	338	22	financial	financial	ADJ
easat-9395	338	23	literacy	literacy	NOUN
easat-9395	338	24	and	and	CCONJ
easat-9395	338	25	retirement	retirement	NOUN
easat-9395	338	26	planning	planning	NOUN
easat-9395	338	27	:	:	PUNCT
easat-9395	338	28	the	the	DET
easat-9395	338	29	russian	russian	ADJ
easat-9395	338	30	case	case	NOUN
easat-9395	338	31	"	"	PUNCT
easat-9395	338	32	,	,	PUNCT
easat-9395	338	33	cer	cer	PROPN
easat-9395	338	34	working	working	PROPN
easat-9395	338	35	paper	paper	PROPN
easat-9395	338	36	series	series	NOUN
easat-9395	338	37	on	on	ADP
easat-9395	338	38	entrepreneurship	entrepreneurship	NOUN
easat-9395	338	39	and	and	CCONJ
easat-9395	338	40	innovation	innovation	NOUN
easat-9395	338	41	,	,	PUNCT
easat-9395	338	42	2011	2011	NUM
easat-9395	338	43	.	.	PUNCT
easat-9395	339	1	https://ssrn.com/abstract=1984059	https://ssrn.com/abstract=1984059	NOUN
easat-9395	340	1	[	[	X
easat-9395	340	2	18	18	NUM
easat-9395	340	3	]	]	PUNCT
easat-9395	340	4	a.	a.	NOUN
easat-9395	340	5	lusardi	lusardi	PROPN
easat-9395	340	6	,	,	PUNCT
easat-9395	340	7	"	"	PUNCT
easat-9395	340	8	numeracy	numeracy	NOUN
easat-9395	340	9	,	,	PUNCT
easat-9395	340	10	financial	financial	ADJ
easat-9395	340	11	literacy	literacy	NOUN
easat-9395	340	12	,	,	PUNCT
easat-9395	340	13	and	and	CCONJ
easat-9395	340	14	financial	financial	ADJ
easat-9395	340	15	decision	decision	NOUN
easat-9395	340	16	-	-	PUNCT
easat-9395	340	17	making	making	NOUN
easat-9395	340	18	,	,	PUNCT
easat-9395	340	19	"	"	PUNCT
easat-9395	340	20	nber	nber	PROPN
easat-9395	340	21	working	working	PROPN
easat-9395	340	22	paper	paper	PROPN
easat-9395	340	23	no	no	INTJ
easat-9395	340	24	.	.	PROPN
easat-9395	340	25	17821	17821	NUM
easat-9395	340	26	national	national	PROPN
easat-9395	340	27	bureau	bureau	PROPN
easat-9395	340	28	of	of	ADP
easat-9395	340	29	economic	economic	ADJ
easat-9395	340	30	research	research	NOUN
easat-9395	340	31	,	,	PUNCT
easat-9395	340	32	2012	2012	NUM
easat-9395	340	33	.	.	PUNCT
easat-9395	341	1	http://www.nber.org/papers/w17821	http://www.nber.org/papers/w17821	NOUN
easat-9395	342	1	[	[	X
easat-9395	342	2	19	19	NUM
easat-9395	342	3	]	]	X
easat-9395	342	4	d.	d.	PROPN
easat-9395	342	5	l.	l.	PROPN
easat-9395	342	6	remund	remund	PROPN
easat-9395	342	7	,	,	PUNCT
easat-9395	342	8	"	"	PUNCT
easat-9395	342	9	financial	financial	ADJ
easat-9395	342	10	literacy	literacy	NOUN
easat-9395	342	11	explicated	explicate	VERB
easat-9395	342	12	:	:	PUNCT
easat-9395	342	13	the	the	DET
easat-9395	342	14	case	case	NOUN
easat-9395	342	15	for	for	ADP
easat-9395	342	16	a	a	DET
easat-9395	342	17	clearer	clear	ADJ
easat-9395	342	18	definition	definition	NOUN
easat-9395	342	19	in	in	ADP
easat-9395	342	20	an	an	DET
easat-9395	342	21	increasingly	increasingly	ADV
easat-9395	342	22	complex	complex	ADJ
easat-9395	342	23	economy	economy	NOUN
easat-9395	342	24	,	,	PUNCT
easat-9395	342	25	"	"	PUNCT
easat-9395	342	26	journal	journal	NOUN
easat-9395	342	27	of	of	ADP
easat-9395	342	28	consumer	consumer	NOUN
easat-9395	342	29	affairs	affair	NOUN
easat-9395	342	30	,	,	PUNCT
easat-9395	342	31	vol	vol	NOUN
easat-9395	342	32	.	.	PROPN
easat-9395	342	33	44	44	NUM
easat-9395	342	34	,	,	PUNCT
easat-9395	342	35	no	no	INTJ
easat-9395	342	36	.	.	NOUN
easat-9395	342	37	2	2	NUM
easat-9395	342	38	,	,	PUNCT
easat-9395	342	39	pp	pp	ADJ
easat-9395	342	40	.	.	PUNCT
easat-9395	343	1	276	276	NUM
easat-9395	343	2	-	-	SYM
easat-9395	343	3	295	295	NUM
easat-9395	343	4	,	,	PUNCT
easat-9395	343	5	2010	2010	NUM
easat-9395	343	6	.	.	PUNCT
easat-9395	344	1	https://doi.org/10.1111/j.1745-6606.2010.01169.x	https://doi.org/10.1111/j.1745-6606.2010.01169.x	PROPN
easat-9395	345	1	[	[	X
easat-9395	345	2	20	20	NUM
easat-9395	345	3	]	]	X
easat-9395	345	4	j.	j.	PROPN
easat-9395	345	5	aboagye	aboagye	PROPN
easat-9395	345	6	and	and	CCONJ
easat-9395	345	7	j.	j.	PROPN
easat-9395	345	8	y.	y.	PROPN
easat-9395	345	9	jung	jung	PROPN
easat-9395	345	10	,	,	PUNCT
easat-9395	345	11	"	"	PUNCT
easat-9395	345	12	debt	debt	NOUN
easat-9395	345	13	holding	holding	NOUN
easat-9395	345	14	,	,	PUNCT
easat-9395	345	15	financial	financial	ADJ
easat-9395	345	16	behavior	behavior	NOUN
easat-9395	345	17	,	,	PUNCT
easat-9395	345	18	and	and	CCONJ
easat-9395	345	19	financial	financial	ADJ
easat-9395	345	20	satisfaction	satisfaction	NOUN
easat-9395	345	21	,	,	PUNCT
easat-9395	345	22	"	"	PUNCT
easat-9395	345	23	presented	present	VERB
easat-9395	345	24	at	at	ADP
easat-9395	345	25	the	the	PRON
easat-9395	345	26	at	at	ADP
easat-9395	345	27	the	the	DET
easat-9395	345	28	financial	financial	ADJ
easat-9395	345	29	literacy	literacy	NOUN
easat-9395	345	30	and	and	CCONJ
easat-9395	345	31	education	education	NOUN
easat-9395	345	32	summit	summit	NOUN
easat-9395	345	33	,	,	PUNCT
easat-9395	345	34	washington	washington	PROPN
easat-9395	345	35	,	,	PUNCT
easat-9395	345	36	dc	dc	PROPN
easat-9395	345	37	,	,	PUNCT
easat-9395	345	38	2018	2018	NUM
easat-9395	345	39	.	.	PUNCT
easat-9395	346	1	[	[	X
easat-9395	346	2	21	21	NUM
easat-9395	346	3	]	]	X
easat-9395	346	4	s.	s.	PROPN
easat-9395	346	5	kapoor	kapoor	PROPN
easat-9395	346	6	and	and	CCONJ
easat-9395	346	7	j.	j.	PROPN
easat-9395	346	8	m.	m.	PROPN
easat-9395	346	9	prosad	prosad	PROPN
easat-9395	346	10	,	,	PUNCT
easat-9395	346	11	"	"	PUNCT
easat-9395	346	12	behavioural	behavioural	ADJ
easat-9395	346	13	finance	finance	NOUN
easat-9395	346	14	:	:	PUNCT
easat-9395	346	15	a	a	DET
easat-9395	346	16	review	review	NOUN
easat-9395	346	17	,	,	PUNCT
easat-9395	346	18	"	"	PUNCT
easat-9395	346	19	procedia	procedia	NOUN
easat-9395	346	20	computer	computer	NOUN
easat-9395	346	21	science	science	NOUN
easat-9395	346	22	,	,	PUNCT
easat-9395	346	23	vol	vol	NOUN
easat-9395	346	24	.	.	PROPN
easat-9395	346	25	122	122	NUM
easat-9395	346	26	,	,	PUNCT
easat-9395	346	27	pp	pp	ADJ
easat-9395	346	28	.	.	PUNCT
easat-9395	347	1	50	50	NUM
easat-9395	347	2	-	-	SYM
easat-9395	347	3	54	54	NUM
easat-9395	347	4	,	,	PUNCT
easat-9395	347	5	2017	2017	NUM
easat-9395	347	6	.	.	PUNCT
easat-9395	348	1	https://doi.org/10.1016/j.procs.2017.11.340	https://doi.org/10.1016/j.procs.2017.11.340	NOUN
easat-9395	349	1	[	[	PUNCT
easat-9395	349	2	22	22	NUM
easat-9395	349	3	]	]	PUNCT
easat-9395	349	4	j.	j.	PROPN
easat-9395	349	5	e.	e.	PROPN
easat-9395	349	6	grable	grable	PROPN
easat-9395	349	7	,	,	PUNCT
easat-9395	349	8	"	"	PUNCT
easat-9395	349	9	financial	financial	ADJ
easat-9395	349	10	risk	risk	NOUN
easat-9395	349	11	tolerance	tolerance	NOUN
easat-9395	349	12	.	.	PUNCT
easat-9395	349	13	"	"	PUNCT
easat-9395	350	1	cham	cham	NOUN
easat-9395	350	2	:	:	PUNCT
easat-9395	350	3	springer	springer	NOUN
easat-9395	350	4	international	international	ADJ
easat-9395	350	5	publishing	publishing	NOUN
easat-9395	350	6	,	,	PUNCT
easat-9395	350	7	2016	2016	NUM
easat-9395	350	8	,	,	PUNCT
easat-9395	350	9	pp	pp	ADJ
easat-9395	350	10	.	.	PUNCT
easat-9395	351	1	19	19	NUM
easat-9395	351	2	-	-	SYM
easat-9395	351	3	31	31	NUM
easat-9395	351	4	.	.	PUNCT
easat-9395	351	5	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	X
easat-9395	352	1	[	[	X
easat-9395	352	2	23	23	NUM
easat-9395	352	3	]	]	PUNCT
easat-9395	352	4	w.-y	w.-y	NOUN
easat-9395	352	5	.	.	PUNCT
easat-9395	353	1	jeong	jeong	PROPN
easat-9395	353	2	and	and	CCONJ
easat-9395	353	3	s.	s.	PROPN
easat-9395	353	4	d.	d.	PROPN
easat-9395	353	5	hanna	hanna	PROPN
easat-9395	353	6	,	,	PUNCT
easat-9395	353	7	"	"	PUNCT
easat-9395	353	8	risk	risk	NOUN
easat-9395	353	9	tolerance	tolerance	NOUN
easat-9395	353	10	and	and	CCONJ
easat-9395	353	11	financial	financial	ADJ
easat-9395	353	12	satisfaction	satisfaction	NOUN
easat-9395	353	13	,	,	PUNCT
easat-9395	353	14	"	"	PUNCT
easat-9395	353	15	international	international	ADJ
easat-9395	353	16	journal	journal	NOUN
easat-9395	353	17	of	of	ADP
easat-9395	353	18	human	human	ADJ
easat-9395	353	19	ecology	ecology	NOUN
easat-9395	353	20	,	,	PUNCT
easat-9395	353	21	vol	vol	NOUN
easat-9395	353	22	.	.	PROPN
easat-9395	353	23	5	5	NUM
easat-9395	353	24	,	,	PUNCT
easat-9395	353	25	no	no	INTJ
easat-9395	353	26	.	.	NOUN
easat-9395	353	27	1	1	NUM
easat-9395	353	28	,	,	PUNCT
easat-9395	353	29	pp	pp	ADJ
easat-9395	353	30	.	.	PUNCT
easat-9395	354	1	35	35	NUM
easat-9395	354	2	-	-	SYM
easat-9395	354	3	43	43	NUM
easat-9395	354	4	,	,	PUNCT
easat-9395	354	5	2004	2004	NUM
easat-9395	354	6	.	.	PUNCT
easat-9395	355	1	[	[	X
easat-9395	355	2	24	24	NUM
easat-9395	355	3	]	]	PUNCT
easat-9395	355	4	j.	j.	PROPN
easat-9395	355	5	s.	s.	PROPN
easat-9395	355	6	hastings	hastings	PROPN
easat-9395	355	7	,	,	PUNCT
easat-9395	355	8	b.	b.	PROPN
easat-9395	355	9	c.	c.	PROPN
easat-9395	355	10	madrian	madrian	PROPN
easat-9395	355	11	,	,	PUNCT
easat-9395	355	12	and	and	CCONJ
easat-9395	355	13	w.	w.	PROPN
easat-9395	355	14	l.	l.	PROPN
easat-9395	355	15	skimmyhorn	skimmyhorn	PROPN
easat-9395	355	16	,	,	PUNCT
easat-9395	355	17	"	"	PUNCT
easat-9395	355	18	financial	financial	ADJ
easat-9395	355	19	literacy	literacy	NOUN
easat-9395	355	20	,	,	PUNCT
easat-9395	355	21	financial	financial	ADJ
easat-9395	355	22	education	education	NOUN
easat-9395	355	23	,	,	PUNCT
easat-9395	355	24	and	and	CCONJ
easat-9395	355	25	economic	economic	ADJ
easat-9395	355	26	outcomes	outcome	NOUN
easat-9395	355	27	,	,	PUNCT
easat-9395	355	28	"	"	PUNCT
easat-9395	355	29	annual	annual	ADJ
easat-9395	355	30	review	review	NOUN
easat-9395	355	31	of	of	ADP
easat-9395	355	32	economics	economic	NOUN
easat-9395	355	33	,	,	PUNCT
easat-9395	355	34	vol	vol	NOUN
easat-9395	355	35	.	.	PROPN
easat-9395	355	36	5	5	NUM
easat-9395	355	37	,	,	PUNCT
easat-9395	355	38	no	no	INTJ
easat-9395	355	39	.	.	NOUN
easat-9395	355	40	1	1	NUM
easat-9395	355	41	,	,	PUNCT
easat-9395	355	42	pp	pp	ADJ
easat-9395	355	43	.	.	PUNCT
easat-9395	356	1	347	347	NUM
easat-9395	356	2	-	-	SYM
easat-9395	356	3	373	373	NUM
easat-9395	356	4	,	,	PUNCT
easat-9395	356	5	2013	2013	NUM
easat-9395	356	6	.	.	PUNCT
easat-9395	357	1	[	[	X
easat-9395	357	2	25	25	NUM
easat-9395	357	3	]	]	PUNCT
easat-9395	357	4	j.	j.	PROPN
easat-9395	357	5	j.	j.	PROPN
easat-9395	357	6	xiao	xiao	PROPN
easat-9395	357	7	and	and	CCONJ
easat-9395	357	8	b.	b.	PROPN
easat-9395	357	9	o'neill	o'neill	PROPN
easat-9395	357	10	,	,	PUNCT
easat-9395	357	11	"	"	PUNCT
easat-9395	357	12	consumer	consumer	NOUN
easat-9395	357	13	financial	financial	ADJ
easat-9395	357	14	education	education	NOUN
easat-9395	357	15	and	and	CCONJ
easat-9395	357	16	financial	financial	ADJ
easat-9395	357	17	capability	capability	NOUN
easat-9395	357	18	,	,	PUNCT
easat-9395	357	19	"	"	PUNCT
easat-9395	357	20	international	international	ADJ
easat-9395	357	21	journal	journal	NOUN
easat-9395	357	22	of	of	ADP
easat-9395	357	23	consumer	consumer	NOUN
easat-9395	357	24	studies	study	NOUN
easat-9395	357	25	,	,	PUNCT
easat-9395	357	26	vol	vol	NOUN
easat-9395	357	27	.	.	PROPN
easat-9395	357	28	40	40	NUM
easat-9395	357	29	,	,	PUNCT
easat-9395	357	30	no	no	INTJ
easat-9395	357	31	.	.	NOUN
easat-9395	357	32	6	6	NUM
easat-9395	357	33	,	,	PUNCT
easat-9395	357	34	pp	pp	ADJ
easat-9395	357	35	.	.	PUNCT
easat-9395	358	1	712	712	NUM
easat-9395	358	2	-	-	SYM
easat-9395	358	3	721	721	NUM
easat-9395	358	4	,	,	PUNCT
easat-9395	358	5	2016	2016	NUM
easat-9395	358	6	.	.	PUNCT
easat-9395	359	1	https://doi.org/10.1111/ijcs.12285	https://doi.org/10.1111/ijcs.12285	NOUN
easat-9395	360	1	[	[	X
easat-9395	360	2	26	26	NUM
easat-9395	360	3	]	]	X
easat-9395	360	4	r.	r.	PROPN
easat-9395	360	5	m.	m.	PROPN
easat-9395	360	6	a.	a.	PROPN
easat-9395	360	7	sholikhah	sholikhah	PROPN
easat-9395	360	8	and	and	CCONJ
easat-9395	360	9	a.	a.	PROPN
easat-9395	360	10	w.	w.	PROPN
easat-9395	360	11	suryani	suryani	PROPN
easat-9395	360	12	,	,	PUNCT
easat-9395	360	13	"	"	PUNCT
easat-9395	360	14	the	the	DET
easat-9395	360	15	influence	influence	NOUN
easat-9395	360	16	of	of	ADP
easat-9395	360	17	the	the	DET
easat-9395	360	18	financial	financial	ADJ
easat-9395	360	19	distress	distress	NOUN
easat-9395	360	20	,	,	PUNCT
easat-9395	360	21	conflict	conflict	NOUN
easat-9395	360	22	of	of	ADP
easat-9395	360	23	interest	interest	NOUN
easat-9395	360	24	,	,	PUNCT
easat-9395	360	25	and	and	CCONJ
easat-9395	360	26	litigation	litigation	NOUN
easat-9395	360	27	risk	risk	NOUN
easat-9395	360	28	on	on	ADP
easat-9395	360	29	accounting	accounting	NOUN
easat-9395	360	30	conservatism	conservatism	NOUN
easat-9395	360	31	,	,	PUNCT
easat-9395	360	32	"	"	PUNCT
easat-9395	360	33	kne	kne	PROPN
easat-9395	360	34	social	social	PROPN
easat-9395	360	35	sciences	sciences	PROPN
easat-9395	360	36	,	,	PUNCT
easat-9395	360	37	vol	vol	NOUN
easat-9395	360	38	.	.	PROPN
easat-9395	360	39	4	4	NUM
easat-9395	360	40	,	,	PUNCT
easat-9395	360	41	no	no	INTJ
easat-9395	360	42	.	.	NOUN
easat-9395	360	43	7	7	NUM
easat-9395	360	44	,	,	PUNCT
easat-9395	360	45	pp	pp	ADJ
easat-9395	360	46	.	.	PUNCT
easat-9395	361	1	222–239	222–239	NUM
easat-9395	361	2	,	,	PUNCT
easat-9395	361	3	2020	2020	NUM
easat-9395	361	4	.	.	PUNCT
easat-9395	362	1	https://doi.org/10.18502/kss.v4i7.6854	https://doi.org/10.18502/kss.v4i7.6854	PRON
easat-9395	362	2	[	[	X
easat-9395	362	3	27	27	NUM
easat-9395	362	4	]	]	X
easat-9395	362	5	f.	f.	PROPN
easat-9395	362	6	feronika	feronika	PROPN
easat-9395	362	7	and	and	CCONJ
easat-9395	362	8	w.	w.	PROPN
easat-9395	362	9	senduk	senduk	PROPN
easat-9395	362	10	,	,	PUNCT
easat-9395	362	11	"	"	PUNCT
easat-9395	362	12	financial	financial	ADJ
easat-9395	362	13	education	education	NOUN
easat-9395	362	14	in	in	ADP
easat-9395	362	15	the	the	DET
easat-9395	362	16	digitalization	digitalization	NOUN
easat-9395	362	17	era	era	NOUN
easat-9395	362	18	:	:	PUNCT
easat-9395	362	19	a	a	DET
easat-9395	362	20	bibliometric	bibliometric	ADJ
easat-9395	362	21	analysis	analysis	NOUN
easat-9395	362	22	,	,	PUNCT
easat-9395	362	23	"	"	PUNCT
easat-9395	362	24	istes	iste	NOUN
easat-9395	362	25	organization	organization	NOUN
easat-9395	362	26	,	,	PUNCT
easat-9395	362	27	2003	2003	NUM
easat-9395	362	28	.	.	PUNCT
easat-9395	362	29	https://www.istes.org	https://www.istes.org	X
easat-9395	363	1	[	[	X
easat-9395	363	2	28	28	NUM
easat-9395	363	3	]	]	X
easat-9395	363	4	n.	n.	PROPN
easat-9395	363	5	w.	w.	PROPN
easat-9395	363	6	madinga	madinga	PROPN
easat-9395	363	7	,	,	PUNCT
easat-9395	363	8	e.	e.	PROPN
easat-9395	363	9	t.	t.	PROPN
easat-9395	363	10	maziriri	maziriri	PROPN
easat-9395	363	11	,	,	PUNCT
easat-9395	363	12	t.	t.	PROPN
easat-9395	363	13	chuchu	chuchu	PROPN
easat-9395	363	14	,	,	PUNCT
easat-9395	363	15	and	and	CCONJ
easat-9395	363	16	z.	z.	PROPN
easat-9395	363	17	magoda	magoda	PROPN
easat-9395	363	18	,	,	PUNCT
easat-9395	363	19	"	"	PUNCT
easat-9395	363	20	an	an	DET
easat-9395	363	21	investigation	investigation	NOUN
easat-9395	363	22	of	of	ADP
easat-9395	363	23	the	the	DET
easat-9395	363	24	impact	impact	NOUN
easat-9395	363	25	of	of	ADP
easat-9395	363	26	financial	financial	ADJ
easat-9395	363	27	literacy	literacy	NOUN
easat-9395	363	28	and	and	CCONJ
easat-9395	363	29	financial	financial	ADJ
easat-9395	363	30	socialization	socialization	NOUN
easat-9395	363	31	on	on	ADP
easat-9395	363	32	financial	financial	ADJ
easat-9395	363	33	satisfaction	satisfaction	NOUN
easat-9395	363	34	:	:	PUNCT
easat-9395	363	35	mediating	mediate	VERB
easat-9395	363	36	role	role	NOUN
easat-9395	363	37	of	of	ADP
easat-9395	363	38	financial	financial	ADJ
easat-9395	363	39	risk	risk	NOUN
easat-9395	363	40	attitude	attitude	NOUN
easat-9395	363	41	,	,	PUNCT
easat-9395	363	42	"	"	PUNCT
easat-9395	363	43	global	global	ADJ
easat-9395	363	44	journal	journal	NOUN
easat-9395	363	45	of	of	ADP
easat-9395	363	46	emerging	emerge	VERB
easat-9395	363	47	market	market	NOUN
easat-9395	363	48	economies	economy	NOUN
easat-9395	363	49	,	,	PUNCT
easat-9395	363	50	vol	vol	NOUN
easat-9395	363	51	.	.	PROPN
easat-9395	363	52	14	14	NUM
easat-9395	363	53	,	,	PUNCT
easat-9395	363	54	no	no	INTJ
easat-9395	363	55	.	.	NOUN
easat-9395	363	56	1	1	NUM
easat-9395	363	57	,	,	PUNCT
easat-9395	363	58	pp	pp	ADJ
easat-9395	363	59	.	.	PUNCT
easat-9395	364	1	60	60	NUM
easat-9395	364	2	-	-	SYM
easat-9395	364	3	75	75	NUM
easat-9395	364	4	,	,	PUNCT
easat-9395	364	5	2022	2022	NUM
easat-9395	364	6	.	.	PUNCT
easat-9395	365	1	https://doi.org/10.1177/09749101211070952	https://doi.org/10.1177/09749101211070952	X
easat-9395	366	1	[	[	X
easat-9395	366	2	29	29	NUM
easat-9395	366	3	]	]	X
easat-9395	366	4	j.	j.	PROPN
easat-9395	366	5	grable	grable	PROPN
easat-9395	366	6	and	and	CCONJ
easat-9395	366	7	r.	r.	PROPN
easat-9395	366	8	lytton	lytton	PROPN
easat-9395	366	9	,	,	PUNCT
easat-9395	366	10	"	"	PUNCT
easat-9395	366	11	investor	investor	NOUN
easat-9395	366	12	risk	risk	NOUN
easat-9395	366	13	tolerance	tolerance	NOUN
easat-9395	366	14	:	:	PUNCT
easat-9395	366	15	testing	test	VERB
easat-9395	366	16	the	the	DET
easat-9395	366	17	efficacy	efficacy	NOUN
easat-9395	366	18	of	of	ADP
easat-9395	366	19	demographics	demographic	NOUN
easat-9395	366	20	as	as	ADP
easat-9395	366	21	differentiating	differentiate	VERB
easat-9395	366	22	and	and	CCONJ
easat-9395	366	23	classifying	classify	VERB
easat-9395	366	24	factors	factor	NOUN
easat-9395	366	25	,	,	PUNCT
easat-9395	366	26	"	"	PUNCT
easat-9395	366	27	journal	journal	NOUN
easat-9395	366	28	of	of	ADP
easat-9395	366	29	financial	financial	ADJ
easat-9395	366	30	counseling	counseling	NOUN
easat-9395	366	31	and	and	CCONJ
easat-9395	366	32	planning	planning	NOUN
easat-9395	366	33	,	,	PUNCT
easat-9395	366	34	vol	vol	NOUN
easat-9395	366	35	.	.	PROPN
easat-9395	367	1	9	9	NUM
easat-9395	367	2	,	,	PUNCT
easat-9395	367	3	no	no	INTJ
easat-9395	367	4	.	.	NOUN
easat-9395	367	5	1	1	NUM
easat-9395	367	6	,	,	PUNCT
easat-9395	367	7	pp	pp	ADJ
easat-9395	367	8	.	.	PUNCT
easat-9395	368	1	61–74	61–74	NUM
easat-9395	368	2	,	,	PUNCT
easat-9395	368	3	1998	1998	NUM
easat-9395	368	4	.	.	PUNCT
easat-9395	369	1	https://doi.org/10.1080/15427560.2018.1434655	https://doi.org/10.1080/15427560.2018.1434655	PROPN
easat-9395	370	1	https://doi.org/10.1111/j.1745-6916.2007.00048.x	https://doi.org/10.1111/j.1745-6916.2007.00048.x	ADJ
easat-9395	370	2	https://doi.org/10.1108/mf-09-2021-0466	https://doi.org/10.1108/mf-09-2021-0466	PROPN
easat-9395	370	3	https://doi.org/10.1108/mf-09-2021-0466	https://doi.org/10.1108/mf-09-2021-0466	PROPN
easat-9395	370	4	https://doi.org/10.1007/s11205-008-9288-6	https://doi.org/10.1007/s11205-008-9288-6	PROPN
easat-9395	370	5	https://doi.org/10.4148/1944-9771.1102	https://doi.org/10.4148/1944-9771.1102	PUNCT
easat-9395	371	1	https://doi.org/10.4148/1944-9771.1102	https://doi.org/10.4148/1944-9771.1102	X
easat-9395	371	2	https://doi.org/10.1016/j.jbusres.2017.03.013	https://doi.org/10.1016/j.jbusres.2017.03.013	PROPN
easat-9395	371	3	https://doi.org/10.1037/t60365-000	https://doi.org/10.1037/t60365-000	INTJ
easat-9395	372	1	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	https://doi.org/10.1023/b:jeei.0000016722.37994.9f	PROPN
easat-9395	372	2	https://doi.org/10.1007/s11205-007-9234-z	https://doi.org/10.1007/s11205-007-9234-z	PROPN
easat-9395	372	3	https://doi.org/10.1007/s11205-007-9234-z	https://doi.org/10.1007/s11205-007-9234-z	PROPN
easat-9395	372	4	https://doi.org/10.1016/j.joep.2010.10.006	https://doi.org/10.1016/j.joep.2010.10.006	NOUN
easat-9395	372	5	https://ssrn.com/abstract=1984059	https://ssrn.com/abstract=1984059	NOUN
easat-9395	372	6	http://www.nber.org/papers/w17821	http://www.nber.org/papers/w17821	VERB
easat-9395	372	7	https://doi.org/10.1111/j.1745-6606.2010.01169.x	https://doi.org/10.1111/j.1745-6606.2010.01169.x	ADV
easat-9395	372	8	https://doi.org/10.1016/j.procs.2017.11.340	https://doi.org/10.1016/j.procs.2017.11.340	NUM
easat-9395	372	9	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	NOUN
easat-9395	372	10	https://doi.org/10.1111/ijcs.12285	https://doi.org/10.1111/ijcs.12285	NOUN
easat-9395	372	11	https://doi.org/10.18502/kss.v4i7.6854	https://doi.org/10.18502/kss.v4i7.6854	X
easat-9395	372	12	https://www.istes.org/	https://www.istes.org/	NOUN
easat-9395	372	13	https://doi.org/10.1177/09749101211070952	https://doi.org/10.1177/09749101211070952	NOUN
easat-9395	372	14	664	664	NUM
easat-9395	372	15	edelweiss	edelweiss	PROPN
easat-9395	372	16	applied	apply	VERB
easat-9395	372	17	science	science	NOUN
easat-9395	372	18	and	and	CCONJ
easat-9395	372	19	technology	technology	NOUN
easat-9395	372	20	issn	issn	PROPN
easat-9395	372	21	:	:	PUNCT
easat-9395	372	22	2576	2576	NUM
easat-9395	372	23	-	-	SYM
easat-9395	372	24	8484	8484	NUM
easat-9395	372	25	vol	vol	NOUN
easat-9395	372	26	.	.	PROPN
easat-9395	373	1	9	9	NUM
easat-9395	373	2	,	,	PUNCT
easat-9395	373	3	no	no	INTJ
easat-9395	373	4	.	.	NOUN
easat-9395	373	5	8	8	NUM
easat-9395	373	6	:	:	PUNCT
easat-9395	373	7	652	652	NUM
easat-9395	373	8	-	-	SYM
easat-9395	373	9	665	665	NUM
easat-9395	373	10	,	,	PUNCT
easat-9395	373	11	2025	2025	NUM
easat-9395	373	12	doi	doi	NOUN
easat-9395	373	13	:	:	PUNCT
easat-9395	373	14	10.55214/2576	10.55214/2576	NUM
easat-9395	373	15	-	-	NOUN
easat-9395	373	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	373	17	©	©	PROPN
easat-9395	373	18	2025	2025	NUM
easat-9395	373	19	by	by	ADP
easat-9395	373	20	the	the	DET
easat-9395	373	21	authors	author	NOUN
easat-9395	373	22	;	;	PUNCT
easat-9395	373	23	licensee	licensee	PROPN
easat-9395	373	24	learning	learning	NOUN
easat-9395	373	25	gate	gate	NOUN
easat-9395	374	1	[	[	X
easat-9395	374	2	30	30	NUM
easat-9395	374	3	]	]	PUNCT
easat-9395	374	4	k.	k.	PROPN
easat-9395	374	5	saurabh	saurabh	PROPN
easat-9395	374	6	and	and	CCONJ
easat-9395	374	7	t.	t.	PROPN
easat-9395	374	8	nandan	nandan	PROPN
easat-9395	374	9	,	,	PUNCT
easat-9395	374	10	"	"	PUNCT
easat-9395	374	11	role	role	NOUN
easat-9395	374	12	of	of	ADP
easat-9395	374	13	financial	financial	ADJ
easat-9395	374	14	risk	risk	NOUN
easat-9395	374	15	attitude	attitude	NOUN
easat-9395	374	16	and	and	CCONJ
easat-9395	374	17	financial	financial	ADJ
easat-9395	374	18	behavior	behavior	NOUN
easat-9395	374	19	as	as	ADP
easat-9395	374	20	mediators	mediator	NOUN
easat-9395	374	21	in	in	ADP
easat-9395	374	22	financial	financial	ADJ
easat-9395	374	23	satisfaction	satisfaction	NOUN
easat-9395	374	24	:	:	PUNCT
easat-9395	374	25	empirical	empirical	ADJ
easat-9395	374	26	evidence	evidence	NOUN
easat-9395	374	27	from	from	ADP
easat-9395	374	28	india	india	PROPN
easat-9395	374	29	,	,	PUNCT
easat-9395	374	30	"	"	PUNCT
easat-9395	374	31	south	south	ADJ
easat-9395	374	32	asian	asian	ADJ
easat-9395	374	33	journal	journal	NOUN
easat-9395	374	34	of	of	ADP
easat-9395	374	35	business	business	NOUN
easat-9395	374	36	studies	study	NOUN
easat-9395	374	37	,	,	PUNCT
easat-9395	374	38	vol	vol	NOUN
easat-9395	374	39	.	.	PROPN
easat-9395	374	40	7	7	NUM
easat-9395	374	41	,	,	PUNCT
easat-9395	374	42	no	no	INTJ
easat-9395	374	43	.	.	NOUN
easat-9395	374	44	2	2	NUM
easat-9395	374	45	,	,	PUNCT
easat-9395	374	46	pp	pp	ADJ
easat-9395	374	47	.	.	PUNCT
easat-9395	375	1	207	207	NUM
easat-9395	375	2	-	-	SYM
easat-9395	375	3	224	224	NUM
easat-9395	375	4	,	,	PUNCT
easat-9395	375	5	2018	2018	NUM
easat-9395	375	6	.	.	PUNCT
easat-9395	376	1	https://doi.org/10.1108/sajbs-07-2017-0088	https://doi.org/10.1108/sajbs-07-2017-0088	PROPN
easat-9395	377	1	[	[	X
easat-9395	377	2	31	31	NUM
easat-9395	377	3	]	]	PUNCT
easat-9395	377	4	t.	t.	NOUN
easat-9395	377	5	pinjisakikool	pinjisakikool	NOUN
easat-9395	377	6	,	,	PUNCT
easat-9395	377	7	"	"	PUNCT
easat-9395	377	8	the	the	DET
easat-9395	377	9	influence	influence	NOUN
easat-9395	377	10	of	of	ADP
easat-9395	377	11	personality	personality	NOUN
easat-9395	377	12	traits	trait	NOUN
easat-9395	377	13	on	on	ADP
easat-9395	377	14	households	household	NOUN
easat-9395	377	15	’	'	PUNCT
easat-9395	377	16	financial	financial	ADJ
easat-9395	377	17	risk	risk	NOUN
easat-9395	377	18	tolerance	tolerance	NOUN
easat-9395	377	19	and	and	CCONJ
easat-9395	377	20	financial	financial	ADJ
easat-9395	377	21	behaviour	behaviour	NOUN
easat-9395	377	22	,	,	PUNCT
easat-9395	377	23	"	"	PUNCT
easat-9395	377	24	journal	journal	NOUN
easat-9395	377	25	of	of	ADP
easat-9395	377	26	interdisciplinary	interdisciplinary	ADJ
easat-9395	377	27	economics	economic	NOUN
easat-9395	377	28	,	,	PUNCT
easat-9395	377	29	vol	vol	NOUN
easat-9395	377	30	.	.	PROPN
easat-9395	377	31	30	30	NUM
easat-9395	377	32	,	,	PUNCT
easat-9395	377	33	no	no	INTJ
easat-9395	377	34	.	.	NOUN
easat-9395	377	35	1	1	NUM
easat-9395	377	36	,	,	PUNCT
easat-9395	377	37	pp	pp	ADJ
easat-9395	377	38	.	.	PUNCT
easat-9395	378	1	32	32	NUM
easat-9395	378	2	-	-	SYM
easat-9395	378	3	54	54	NUM
easat-9395	378	4	,	,	PUNCT
easat-9395	378	5	2017	2017	NUM
easat-9395	378	6	.	.	PUNCT
easat-9395	378	7	https://doi.org/10.1177/0260107917731034	https://doi.org/10.1177/0260107917731034	PUNCT
easat-9395	379	1	[	[	X
easat-9395	379	2	32	32	NUM
easat-9395	379	3	]	]	X
easat-9395	379	4	g.	g.	PROPN
easat-9395	379	5	madaan	madaan	PROPN
easat-9395	379	6	and	and	CCONJ
easat-9395	379	7	s.	s.	PROPN
easat-9395	379	8	singh	singh	PROPN
easat-9395	379	9	,	,	PUNCT
easat-9395	379	10	"	"	PUNCT
easat-9395	379	11	an	an	DET
easat-9395	379	12	analysis	analysis	NOUN
easat-9395	379	13	of	of	ADP
easat-9395	379	14	behavioral	behavioral	ADJ
easat-9395	379	15	biases	bias	NOUN
easat-9395	379	16	in	in	ADP
easat-9395	379	17	investment	investment	NOUN
easat-9395	379	18	decision	decision	NOUN
easat-9395	379	19	-	-	PUNCT
easat-9395	379	20	making	making	NOUN
easat-9395	379	21	,	,	PUNCT
easat-9395	379	22	"	"	PUNCT
easat-9395	379	23	international	international	ADJ
easat-9395	379	24	journal	journal	NOUN
easat-9395	379	25	of	of	ADP
easat-9395	379	26	financial	financial	ADJ
easat-9395	379	27	research	research	NOUN
easat-9395	379	28	,	,	PUNCT
easat-9395	379	29	vol	vol	NOUN
easat-9395	379	30	.	.	PROPN
easat-9395	380	1	10	10	NUM
easat-9395	380	2	,	,	PUNCT
easat-9395	380	3	no	no	INTJ
easat-9395	380	4	.	.	NOUN
easat-9395	380	5	4	4	NUM
easat-9395	380	6	,	,	PUNCT
easat-9395	380	7	pp	pp	ADJ
easat-9395	380	8	.	.	PUNCT
easat-9395	381	1	55	55	NUM
easat-9395	381	2	-	-	SYM
easat-9395	381	3	67	67	NUM
easat-9395	381	4	,	,	PUNCT
easat-9395	381	5	2019	2019	NUM
easat-9395	381	6	.	.	PUNCT
easat-9395	382	1	https://doi.org/10.5430/ijfr.v10n4p55	https://doi.org/10.5430/ijfr.v10n4p55	PROPN
easat-9395	382	2	[	[	X
easat-9395	382	3	33	33	NUM
easat-9395	382	4	]	]	X
easat-9395	382	5	n.	n.	PROPN
easat-9395	382	6	barberis	barberis	PROPN
easat-9395	382	7	and	and	CCONJ
easat-9395	382	8	r.	r.	PROPN
easat-9395	382	9	thaler	thaler	PROPN
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easat-9395	382	11	"	"	PUNCT
easat-9395	382	12	chapter	chapter	NOUN
easat-9395	382	13	18	18	NUM
easat-9395	382	14	a	a	DET
easat-9395	382	15	survey	survey	NOUN
easat-9395	382	16	of	of	ADP
easat-9395	382	17	behavioral	behavioral	ADJ
easat-9395	382	18	finance	finance	NOUN
easat-9395	382	19	,	,	PUNCT
easat-9395	382	20	"	"	PUNCT
easat-9395	382	21	in	in	ADP
easat-9395	382	22	handbook	handbook	NOUN
easat-9395	382	23	of	of	ADP
easat-9395	382	24	the	the	DET
easat-9395	382	25	economics	economic	NOUN
easat-9395	382	26	of	of	ADP
easat-9395	382	27	finance	finance	NOUN
easat-9395	382	28	,	,	PUNCT
easat-9395	382	29	vol	vol	NOUN
easat-9395	382	30	.	.	PROPN
easat-9395	382	31	1	1	NUM
easat-9395	382	32	,	,	PUNCT
easat-9395	382	33	2003	2003	NUM
easat-9395	382	34	,	,	PUNCT
easat-9395	382	35	pp	pp	ADJ
easat-9395	382	36	.	.	PUNCT
easat-9395	382	37	1053	1053	NUM
easat-9395	382	38	-	-	SYM
easat-9395	382	39	1128	1128	NUM
easat-9395	382	40	.	.	PUNCT
easat-9395	383	1	https://doi.org/10.1016/s1574-0102(03)01027-6	https://doi.org/10.1016/s1574-0102(03)01027-6	PROPN
easat-9395	384	1	[	[	X
easat-9395	384	2	34	34	NUM
easat-9395	384	3	]	]	PUNCT
easat-9395	384	4	s.	s.	PROPN
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easat-9395	384	6	,	,	PUNCT
easat-9395	384	7	s.	s.	PROPN
easat-9395	384	8	rao	rao	PROPN
easat-9395	384	9	,	,	PUNCT
easat-9395	384	10	k.	k.	PROPN
easat-9395	384	11	goyal	goyal	PROPN
easat-9395	384	12	,	,	PUNCT
easat-9395	384	13	and	and	CCONJ
easat-9395	384	14	n.	n.	PROPN
easat-9395	384	15	goyal	goyal	PROPN
easat-9395	384	16	,	,	PUNCT
easat-9395	384	17	"	"	PUNCT
easat-9395	384	18	journal	journal	NOUN
easat-9395	384	19	of	of	ADP
easat-9395	384	20	behavioral	behavioral	ADJ
easat-9395	384	21	and	and	CCONJ
easat-9395	384	22	experimental	experimental	ADJ
easat-9395	384	23	finance	finance	NOUN
easat-9395	384	24	:	:	PUNCT
easat-9395	384	25	a	a	DET
easat-9395	384	26	bibliometric	bibliometric	ADJ
easat-9395	384	27	overview	overview	NOUN
easat-9395	384	28	,	,	PUNCT
easat-9395	384	29	"	"	PUNCT
easat-9395	384	30	journal	journal	NOUN
easat-9395	384	31	of	of	ADP
easat-9395	384	32	behavioral	behavioral	ADJ
easat-9395	384	33	and	and	CCONJ
easat-9395	384	34	experimental	experimental	ADJ
easat-9395	384	35	finance	finance	NOUN
easat-9395	384	36	,	,	PUNCT
easat-9395	384	37	vol	vol	NOUN
easat-9395	384	38	.	.	PROPN
easat-9395	384	39	34	34	NUM
easat-9395	384	40	,	,	PUNCT
easat-9395	384	41	p.	p.	NOUN
easat-9395	384	42	100652	100652	NUM
easat-9395	384	43	,	,	PUNCT
easat-9395	384	44	2022	2022	NUM
easat-9395	384	45	.	.	PUNCT
easat-9395	385	1	https://doi.org/10.1016/j.jbef.2022.100652	https://doi.org/10.1016/j.jbef.2022.100652	PROPN
easat-9395	386	1	[	[	X
easat-9395	386	2	35	35	NUM
easat-9395	386	3	]	]	X
easat-9395	386	4	b.	b.	PROPN
easat-9395	386	5	a.	a.	NOUN
easat-9395	386	6	dharma	dharma	PROPN
easat-9395	386	7	and	and	CCONJ
easat-9395	386	8	m.	m.	NOUN
easat-9395	386	9	churiyah	churiyah	NOUN
easat-9395	386	10	,	,	PUNCT
easat-9395	386	11	"	"	PUNCT
easat-9395	386	12	the	the	DET
easat-9395	386	13	roles	role	NOUN
easat-9395	386	14	of	of	ADP
easat-9395	386	15	financial	financial	ADJ
easat-9395	386	16	literacy	literacy	NOUN
easat-9395	386	17	on	on	ADP
easat-9395	386	18	msmes	msmes	PROPN
easat-9395	386	19	financial	financial	ADJ
easat-9395	386	20	inclusion	inclusion	NOUN
easat-9395	386	21	,	,	PUNCT
easat-9395	386	22	"	"	PUNCT
easat-9395	386	23	in	in	ADP
easat-9395	386	24	proceedings	proceeding	NOUN
easat-9395	386	25	of	of	ADP
easat-9395	386	26	the	the	DET
easat-9395	386	27	bistic	bistic	ADJ
easat-9395	386	28	business	business	NOUN
easat-9395	386	29	innovation	innovation	NOUN
easat-9395	386	30	sustainability	sustainability	NOUN
easat-9395	386	31	and	and	CCONJ
easat-9395	386	32	technology	technology	NOUN
easat-9395	386	33	international	international	ADJ
easat-9395	386	34	conference	conference	NOUN
easat-9395	386	35	(	(	PUNCT
easat-9395	386	36	bistic	bistic	ADJ
easat-9395	386	37	2022	2022	NUM
easat-9395	386	38	)	)	PUNCT
easat-9395	386	39	(	(	PUNCT
easat-9395	386	40	pp	pp	ADV
easat-9395	386	41	.	.	PUNCT
easat-9395	387	1	337–346	337–346	NUM
easat-9395	387	2	)	)	PUNCT
easat-9395	387	3	.	.	PUNCT
easat-9395	388	1	atlantis	atlantis	PROPN
easat-9395	388	2	press	press	PROPN
easat-9395	388	3	,	,	PUNCT
easat-9395	388	4	2023	2023	NUM
easat-9395	388	5	,	,	PUNCT
easat-9395	388	6	doi	doi	NOUN
easat-9395	388	7	:	:	PUNCT
easat-9395	388	8	https://doi.org/10.2991/978-94-6463-178-4_34	https://doi.org/10.2991/978-94-6463-178-4_34	PROPN
easat-9395	388	9	.	.	PUNCT
easat-9395	389	1	[	[	X
easat-9395	389	2	36	36	NUM
easat-9395	389	3	]	]	X
easat-9395	389	4	m.	m.	NOUN
easat-9395	389	5	sulhan	sulhan	NOUN
easat-9395	389	6	,	,	PUNCT
easat-9395	389	7	h.	h.	PROPN
easat-9395	389	8	pratikto	pratikto	PROPN
easat-9395	389	9	,	,	PUNCT
easat-9395	389	10	i.	i.	PROPN
easat-9395	389	11	mukhlis	mukhlis	PROPN
easat-9395	389	12	,	,	PUNCT
easat-9395	389	13	p.	p.	NOUN
easat-9395	389	14	handayati	handayati	PROPN
easat-9395	389	15	,	,	PUNCT
easat-9395	389	16	and	and	CCONJ
easat-9395	389	17	m.	m.	PROPN
easat-9395	389	18	i.	i.	PROPN
easat-9395	389	19	h.	h.	PROPN
easat-9395	389	20	zain	zain	PROPN
easat-9395	389	21	,	,	PUNCT
easat-9395	389	22	"	"	PUNCT
easat-9395	389	23	financial	financial	ADJ
easat-9395	389	24	behavior	behavior	NOUN
easat-9395	389	25	dynamics	dynamic	NOUN
easat-9395	389	26	of	of	ADP
easat-9395	389	27	msme	msme	NOUN
easat-9395	389	28	actors	actor	NOUN
easat-9395	389	29	:	:	PUNCT
easat-9395	389	30	a	a	DET
easat-9395	389	31	contemporary	contemporary	ADJ
easat-9395	389	32	islamic	islamic	ADJ
easat-9395	389	33	financial	financial	ADJ
easat-9395	389	34	management	management	NOUN
easat-9395	389	35	study	study	NOUN
easat-9395	389	36	on	on	ADP
easat-9395	389	37	literacy	literacy	NOUN
easat-9395	389	38	,	,	PUNCT
easat-9395	389	39	attitude	attitude	NOUN
easat-9395	389	40	,	,	PUNCT
easat-9395	389	41	intention	intention	NOUN
easat-9395	389	42	,	,	PUNCT
easat-9395	389	43	personality	personality	NOUN
easat-9395	389	44	,	,	PUNCT
easat-9395	389	45	and	and	CCONJ
easat-9395	389	46	legal	legal	ADJ
easat-9395	389	47	aspects	aspect	NOUN
easat-9395	389	48	,	,	PUNCT
easat-9395	389	49	"	"	PUNCT
easat-9395	389	50	metro	metro	PROPN
easat-9395	389	51	islamic	islamic	PROPN
easat-9395	389	52	law	law	PROPN
easat-9395	389	53	review	review	PROPN
easat-9395	389	54	,	,	PUNCT
easat-9395	389	55	vol	vol	NOUN
easat-9395	389	56	.	.	PROPN
easat-9395	389	57	4	4	NUM
easat-9395	389	58	,	,	PUNCT
easat-9395	389	59	no	no	INTJ
easat-9395	389	60	.	.	NOUN
easat-9395	389	61	1	1	NUM
easat-9395	389	62	,	,	PUNCT
easat-9395	389	63	pp	pp	ADJ
easat-9395	389	64	.	.	PUNCT
easat-9395	390	1	129	129	NUM
easat-9395	390	2	-	-	SYM
easat-9395	390	3	155	155	NUM
easat-9395	390	4	,	,	PUNCT
easat-9395	390	5	2025	2025	NUM
easat-9395	390	6	.	.	PUNCT
easat-9395	391	1	https://doi.org/10.32332/milrev.v4i1.10075	https://doi.org/10.32332/milrev.v4i1.10075	PROPN
easat-9395	392	1	[	[	X
easat-9395	392	2	37	37	NUM
easat-9395	392	3	]	]	PUNCT
easat-9395	392	4	e.	e.	PROPN
easat-9395	392	5	n.	n.	PROPN
easat-9395	392	6	aisyah	aisyah	PROPN
easat-9395	392	7	,	,	PUNCT
easat-9395	392	8	h.	h.	PROPN
easat-9395	392	9	pratikto	pratikto	PROPN
easat-9395	392	10	,	,	PUNCT
easat-9395	392	11	c.	c.	PROPN
easat-9395	392	12	wardoyo	wardoyo	PROPN
easat-9395	392	13	,	,	PUNCT
easat-9395	392	14	and	and	CCONJ
easat-9395	392	15	n.	n.	PROPN
easat-9395	392	16	restuningdiah	restuningdiah	PROPN
easat-9395	392	17	,	,	PUNCT
easat-9395	392	18	"	"	PUNCT
easat-9395	392	19	the	the	DET
easat-9395	392	20	right	right	ADJ
easat-9395	392	21	literacy	literacy	NOUN
easat-9395	392	22	on	on	ADP
easat-9395	392	23	the	the	DET
easat-9395	392	24	right	right	ADJ
easat-9395	392	25	performance	performance	NOUN
easat-9395	392	26	:	:	PUNCT
easat-9395	392	27	does	do	AUX
easat-9395	392	28	islamic	islamic	ADJ
easat-9395	392	29	financial	financial	ADJ
easat-9395	392	30	literacy	literacy	NOUN
easat-9395	392	31	affect	affect	VERB
easat-9395	392	32	business	business	NOUN
easat-9395	392	33	performance	performance	NOUN
easat-9395	392	34	through	through	ADP
easat-9395	392	35	islamic	islamic	ADJ
easat-9395	392	36	financial	financial	ADJ
easat-9395	392	37	inclusion	inclusion	NOUN
easat-9395	392	38	?	?	PUNCT
easat-9395	392	39	,	,	PUNCT
easat-9395	392	40	"	"	PUNCT
easat-9395	392	41	journal	journal	NOUN
easat-9395	392	42	of	of	ADP
easat-9395	392	43	social	social	ADJ
easat-9395	392	44	economics	economic	NOUN
easat-9395	392	45	research	research	NOUN
easat-9395	392	46	,	,	PUNCT
easat-9395	392	47	vol	vol	NOUN
easat-9395	392	48	.	.	PROPN
easat-9395	392	49	11	11	NUM
easat-9395	392	50	,	,	PUNCT
easat-9395	392	51	no	no	INTJ
easat-9395	392	52	.	.	NOUN
easat-9395	392	53	3	3	NUM
easat-9395	392	54	,	,	PUNCT
easat-9395	392	55	pp	pp	ADJ
easat-9395	392	56	.	.	PUNCT
easat-9395	393	1	275	275	NUM
easat-9395	393	2	-	-	SYM
easat-9395	393	3	289	289	NUM
easat-9395	393	4	,	,	PUNCT
easat-9395	393	5	2024	2024	NUM
easat-9395	393	6	.	.	PUNCT
easat-9395	394	1	https://doi.org/10.18488/35.v11i3.3766	https://doi.org/10.18488/35.v11i3.3766	X
easat-9395	395	1	[	[	X
easat-9395	395	2	38	38	NUM
easat-9395	395	3	]	]	PUNCT
easat-9395	395	4	b.	b.	PROPN
easat-9395	395	5	s.	s.	PROPN
easat-9395	395	6	narmaditya	narmaditya	PROPN
easat-9395	395	7	and	and	CCONJ
easat-9395	395	8	s.	s.	PROPN
easat-9395	395	9	sahid	sahid	PROPN
easat-9395	395	10	,	,	PUNCT
easat-9395	395	11	"	"	PUNCT
easat-9395	395	12	financial	financial	ADJ
easat-9395	395	13	literacy	literacy	NOUN
easat-9395	395	14	in	in	ADP
easat-9395	395	15	family	family	NOUN
easat-9395	395	16	and	and	CCONJ
easat-9395	395	17	economic	economic	ADJ
easat-9395	395	18	behavior	behavior	NOUN
easat-9395	395	19	of	of	ADP
easat-9395	395	20	university	university	NOUN
easat-9395	395	21	students	student	NOUN
easat-9395	395	22	:	:	PUNCT
easat-9395	395	23	a	a	DET
easat-9395	395	24	systematic	systematic	ADJ
easat-9395	395	25	literature	literature	NOUN
easat-9395	395	26	review	review	NOUN
easat-9395	395	27	,	,	PUNCT
easat-9395	395	28	"	"	PUNCT
easat-9395	395	29	the	the	DET
easat-9395	395	30	journal	journal	NOUN
easat-9395	395	31	of	of	ADP
easat-9395	395	32	behavioral	behavioral	ADJ
easat-9395	395	33	science	science	NOUN
easat-9395	395	34	,	,	PUNCT
easat-9395	395	35	vol	vol	NOUN
easat-9395	395	36	.	.	PROPN
easat-9395	395	37	18	18	NUM
easat-9395	395	38	,	,	PUNCT
easat-9395	395	39	no	no	INTJ
easat-9395	395	40	.	.	NOUN
easat-9395	395	41	1	1	NUM
easat-9395	395	42	,	,	PUNCT
easat-9395	395	43	pp	pp	ADJ
easat-9395	395	44	.	.	PUNCT
easat-9395	395	45	114	114	NUM
easat-9395	395	46	-	-	SYM
easat-9395	395	47	128	128	NUM
easat-9395	395	48	,	,	PUNCT
easat-9395	395	49	2023	2023	NUM
easat-9395	395	50	.	.	PUNCT
easat-9395	396	1	[	[	X
easat-9395	396	2	39	39	NUM
easat-9395	396	3	]	]	PUNCT
easat-9395	396	4	m.	m.	NOUN
easat-9395	396	5	van	van	PROPN
easat-9395	396	6	rooij	rooij	PROPN
easat-9395	396	7	,	,	PUNCT
easat-9395	396	8	a.	a.	NOUN
easat-9395	396	9	lusardi	lusardi	PROPN
easat-9395	396	10	,	,	PUNCT
easat-9395	396	11	and	and	CCONJ
easat-9395	396	12	r.	r.	PROPN
easat-9395	396	13	alessie	alessie	PROPN
easat-9395	396	14	,	,	PUNCT
easat-9395	396	15	"	"	PUNCT
easat-9395	396	16	financial	financial	ADJ
easat-9395	396	17	literacy	literacy	NOUN
easat-9395	396	18	and	and	CCONJ
easat-9395	396	19	stock	stock	NOUN
easat-9395	396	20	market	market	NOUN
easat-9395	396	21	participation	participation	NOUN
easat-9395	396	22	,	,	PUNCT
easat-9395	396	23	"	"	PUNCT
easat-9395	396	24	journal	journal	NOUN
easat-9395	396	25	of	of	ADP
easat-9395	396	26	financial	financial	ADJ
easat-9395	396	27	economics	economic	NOUN
easat-9395	396	28	,	,	PUNCT
easat-9395	396	29	vol	vol	NOUN
easat-9395	396	30	.	.	PROPN
easat-9395	397	1	101	101	NUM
easat-9395	397	2	,	,	PUNCT
easat-9395	397	3	no	no	INTJ
easat-9395	397	4	.	.	NOUN
easat-9395	397	5	2	2	NUM
easat-9395	397	6	,	,	PUNCT
easat-9395	397	7	pp	pp	ADJ
easat-9395	397	8	.	.	PUNCT
easat-9395	398	1	449	449	NUM
easat-9395	398	2	-	-	SYM
easat-9395	398	3	472	472	NUM
easat-9395	398	4	,	,	PUNCT
easat-9395	398	5	2011	2011	NUM
easat-9395	398	6	.	.	PUNCT
easat-9395	399	1	https://doi.org/10.1016/j.jfineco.2011.03.006	https://doi.org/10.1016/j.jfineco.2011.03.006	ADJ
easat-9395	399	2	[	[	X
easat-9395	399	3	40	40	NUM
easat-9395	399	4	]	]	PUNCT
easat-9395	399	5	e.	e.	PROPN
easat-9395	399	6	r.	r.	PROPN
easat-9395	399	7	rahadjeng	rahadjeng	PROPN
easat-9395	399	8	,	,	PUNCT
easat-9395	399	9	h.	h.	PROPN
easat-9395	399	10	pratikto	pratikto	PROPN
easat-9395	399	11	,	,	PUNCT
easat-9395	399	12	i.	i.	PROPN
easat-9395	399	13	mukhlis	mukhlis	PROPN
easat-9395	399	14	,	,	PUNCT
easat-9395	399	15	and	and	CCONJ
easat-9395	399	16	n.	n.	PROPN
easat-9395	399	17	restuningdiah	restuningdiah	PROPN
easat-9395	399	18	,	,	PUNCT
easat-9395	399	19	"	"	PUNCT
easat-9395	399	20	analysis	analysis	NOUN
easat-9395	399	21	of	of	ADP
easat-9395	399	22	financial	financial	ADJ
easat-9395	399	23	technology	technology	NOUN
easat-9395	399	24	,	,	PUNCT
easat-9395	399	25	financial	financial	ADJ
easat-9395	399	26	literacy	literacy	NOUN
easat-9395	399	27	,	,	PUNCT
easat-9395	399	28	financial	financial	ADJ
easat-9395	399	29	attitudes	attitude	NOUN
easat-9395	399	30	,	,	PUNCT
easat-9395	399	31	on	on	ADP
easat-9395	399	32	mediated	mediate	VERB
easat-9395	399	33	business	business	NOUN
easat-9395	399	34	performance	performance	NOUN
easat-9395	399	35	financial	financial	ADJ
easat-9395	399	36	inclusion	inclusion	NOUN
easat-9395	399	37	and	and	CCONJ
easat-9395	399	38	self	self	NOUN
easat-9395	399	39	-	-	PUNCT
easat-9395	399	40	efficiency	efficiency	NOUN
easat-9395	399	41	in	in	ADP
easat-9395	399	42	small	small	ADJ
easat-9395	399	43	medium	medium	NOUN
easat-9395	399	44	industry	industry	NOUN
easat-9395	399	45	(	(	PUNCT
easat-9395	399	46	smi	smi	PROPN
easat-9395	399	47	)	)	PUNCT
easat-9395	399	48	in	in	ADP
easat-9395	399	49	malang	malang	PROPN
easat-9395	399	50	city	city	PROPN
easat-9395	399	51	,	,	PUNCT
easat-9395	399	52	indonesia	indonesia	PROPN
easat-9395	399	53	,	,	PUNCT
easat-9395	399	54	"	"	PUNCT
easat-9395	399	55	international	international	ADJ
easat-9395	399	56	journal	journal	NOUN
easat-9395	399	57	of	of	ADP
easat-9395	399	58	professional	professional	PROPN
easat-9395	399	59	business	business	PROPN
easat-9395	399	60	review	review	PROPN
easat-9395	399	61	,	,	PUNCT
easat-9395	399	62	vol	vol	NOUN
easat-9395	399	63	.	.	PROPN
easat-9395	399	64	8	8	NUM
easat-9395	399	65	,	,	PUNCT
easat-9395	399	66	no	no	INTJ
easat-9395	399	67	.	.	NOUN
easat-9395	399	68	8	8	NUM
easat-9395	399	69	,	,	PUNCT
easat-9395	399	70	p.	p.	NOUN
easat-9395	399	71	45	45	NUM
easat-9395	399	72	,	,	PUNCT
easat-9395	399	73	2023	2023	NUM
easat-9395	399	74	.	.	PUNCT
easat-9395	400	1	[	[	X
easat-9395	400	2	41	41	NUM
easat-9395	400	3	]	]	X
easat-9395	400	4	l.	l.	PROPN
easat-9395	400	5	a.	a.	PROPN
easat-9395	400	6	vitt	vitt	PROPN
easat-9395	400	7	et	et	PROPN
easat-9395	400	8	al	al	PROPN
easat-9395	400	9	.	.	PROPN
easat-9395	400	10	,	,	PUNCT
easat-9395	400	11	"	"	PUNCT
easat-9395	400	12	personal	personal	ADJ
easat-9395	400	13	finance	finance	NOUN
easat-9395	400	14	and	and	CCONJ
easat-9395	400	15	the	the	DET
easat-9395	400	16	rush	rush	NOUN
easat-9395	400	17	to	to	ADP
easat-9395	400	18	competence	competence	NOUN
easat-9395	400	19	:	:	PUNCT
easat-9395	400	20	financial	financial	ADJ
easat-9395	400	21	literacy	literacy	NOUN
easat-9395	400	22	education	education	NOUN
easat-9395	400	23	in	in	ADP
easat-9395	400	24	the	the	DET
easat-9395	400	25	u.s	u.s	PROPN
easat-9395	400	26	,	,	PUNCT
easat-9395	400	27	"	"	PUNCT
easat-9395	400	28	institute	institute	NOUN
easat-9395	400	29	for	for	ADP
easat-9395	400	30	socio	socio	NOUN
easat-9395	400	31	-	-	PUNCT
easat-9395	400	32	financial	financial	ADJ
easat-9395	400	33	studies	study	NOUN
easat-9395	400	34	,	,	PUNCT
easat-9395	400	35	2000	2000	NUM
easat-9395	400	36	.	.	PUNCT
easat-9395	401	1	[	[	X
easat-9395	401	2	42	42	NUM
easat-9395	401	3	]	]	PUNCT
easat-9395	401	4	s.-h	s.-h	NOUN
easat-9395	401	5	.	.	PUNCT
easat-9395	402	1	sohn	sohn	PROPN
easat-9395	402	2	,	,	PUNCT
easat-9395	402	3	s.-h	s.-h	NOUN
easat-9395	402	4	.	.	PUNCT
easat-9395	403	1	joo	joo	PROPN
easat-9395	403	2	,	,	PUNCT
easat-9395	403	3	j.	j.	PROPN
easat-9395	403	4	e.	e.	PROPN
easat-9395	403	5	grable	grable	PROPN
easat-9395	403	6	,	,	PUNCT
easat-9395	403	7	s.	s.	PROPN
easat-9395	403	8	lee	lee	PROPN
easat-9395	403	9	,	,	PUNCT
easat-9395	403	10	and	and	CCONJ
easat-9395	403	11	m.	m.	PROPN
easat-9395	403	12	kim	kim	PROPN
easat-9395	403	13	,	,	PUNCT
easat-9395	403	14	"	"	PUNCT
easat-9395	403	15	adolescents	adolescent	NOUN
easat-9395	403	16	’	'	PUNCT
easat-9395	403	17	financial	financial	ADJ
easat-9395	403	18	literacy	literacy	NOUN
easat-9395	403	19	:	:	PUNCT
easat-9395	403	20	the	the	DET
easat-9395	403	21	role	role	NOUN
easat-9395	403	22	of	of	ADP
easat-9395	403	23	financial	financial	ADJ
easat-9395	403	24	socialization	socialization	NOUN
easat-9395	403	25	agents	agent	NOUN
easat-9395	403	26	,	,	PUNCT
easat-9395	403	27	financial	financial	ADJ
easat-9395	403	28	experiences	experience	NOUN
easat-9395	403	29	,	,	PUNCT
easat-9395	403	30	and	and	CCONJ
easat-9395	403	31	money	money	NOUN
easat-9395	403	32	attitudes	attitude	NOUN
easat-9395	403	33	in	in	ADP
easat-9395	403	34	shaping	shape	VERB
easat-9395	403	35	financial	financial	ADJ
easat-9395	403	36	literacy	literacy	NOUN
easat-9395	403	37	among	among	ADP
easat-9395	403	38	south	south	ADJ
easat-9395	403	39	korean	korean	ADJ
easat-9395	403	40	youth	youth	NOUN
easat-9395	403	41	,	,	PUNCT
easat-9395	403	42	"	"	PUNCT
easat-9395	403	43	journal	journal	NOUN
easat-9395	403	44	of	of	ADP
easat-9395	403	45	adolescence	adolescence	NOUN
easat-9395	403	46	,	,	PUNCT
easat-9395	403	47	vol	vol	NOUN
easat-9395	403	48	.	.	PROPN
easat-9395	403	49	35	35	NUM
easat-9395	403	50	,	,	PUNCT
easat-9395	403	51	no	no	INTJ
easat-9395	403	52	.	.	NOUN
easat-9395	403	53	4	4	NUM
easat-9395	403	54	,	,	PUNCT
easat-9395	403	55	pp	pp	ADJ
easat-9395	403	56	.	.	PUNCT
easat-9395	403	57	969	969	NUM
easat-9395	403	58	-	-	SYM
easat-9395	403	59	980	980	NUM
easat-9395	403	60	,	,	PUNCT
easat-9395	403	61	2012	2012	NUM
easat-9395	403	62	.	.	PUNCT
easat-9395	404	1	https://doi.org/10.18502/kss.v4i7.6854	https://doi.org/10.18502/kss.v4i7.6854	PRON
easat-9395	405	1	[	[	X
easat-9395	405	2	43	43	NUM
easat-9395	405	3	]	]	PUNCT
easat-9395	405	4	j.	j.	PROPN
easat-9395	405	5	j.	j.	PROPN
easat-9395	405	6	xiao	xiao	PROPN
easat-9395	405	7	and	and	CCONJ
easat-9395	405	8	n.	n.	PROPN
easat-9395	405	9	porto	porto	PROPN
easat-9395	405	10	,	,	PUNCT
easat-9395	405	11	"	"	PUNCT
easat-9395	405	12	financial	financial	ADJ
easat-9395	405	13	education	education	NOUN
easat-9395	405	14	and	and	CCONJ
easat-9395	405	15	financial	financial	ADJ
easat-9395	405	16	satisfaction	satisfaction	NOUN
easat-9395	405	17	:	:	PUNCT
easat-9395	405	18	financial	financial	ADJ
easat-9395	405	19	literacy	literacy	NOUN
easat-9395	405	20	,	,	PUNCT
easat-9395	405	21	behavior	behavior	NOUN
easat-9395	405	22	,	,	PUNCT
easat-9395	405	23	and	and	CCONJ
easat-9395	405	24	capability	capability	NOUN
easat-9395	405	25	as	as	ADP
easat-9395	405	26	mediators	mediator	NOUN
easat-9395	405	27	,	,	PUNCT
easat-9395	405	28	"	"	PUNCT
easat-9395	405	29	international	international	ADJ
easat-9395	405	30	journal	journal	NOUN
easat-9395	405	31	of	of	ADP
easat-9395	405	32	bank	bank	PROPN
easat-9395	405	33	marketing	marketing	NOUN
easat-9395	405	34	,	,	PUNCT
easat-9395	405	35	vol	vol	NOUN
easat-9395	405	36	.	.	PROPN
easat-9395	405	37	35	35	NUM
easat-9395	405	38	,	,	PUNCT
easat-9395	405	39	no	no	INTJ
easat-9395	405	40	.	.	NOUN
easat-9395	405	41	5	5	NUM
easat-9395	405	42	,	,	PUNCT
easat-9395	405	43	pp	pp	ADJ
easat-9395	405	44	.	.	PUNCT
easat-9395	406	1	805	805	NUM
easat-9395	406	2	-	-	SYM
easat-9395	406	3	817	817	NUM
easat-9395	406	4	,	,	PUNCT
easat-9395	406	5	2017	2017	NUM
easat-9395	406	6	.	.	PUNCT
easat-9395	407	1	https://doi.org/10.1108/ijbm01-2016-0009	https://doi.org/10.1108/ijbm01-2016-0009	PROPN
easat-9395	408	1	[	[	X
easat-9395	408	2	44	44	NUM
easat-9395	408	3	]	]	PUNCT
easat-9395	408	4	s.	s.	PROPN
easat-9395	408	5	j.	j.	PROPN
easat-9395	408	6	huston	huston	PROPN
easat-9395	408	7	,	,	PUNCT
easat-9395	408	8	"	"	PUNCT
easat-9395	408	9	measuring	measure	VERB
easat-9395	408	10	financial	financial	ADJ
easat-9395	408	11	literacy	literacy	NOUN
easat-9395	408	12	,	,	PUNCT
easat-9395	408	13	"	"	PUNCT
easat-9395	408	14	journal	journal	NOUN
easat-9395	408	15	of	of	ADP
easat-9395	408	16	consumer	consumer	NOUN
easat-9395	408	17	affairs	affair	NOUN
easat-9395	408	18	,	,	PUNCT
easat-9395	408	19	vol	vol	NOUN
easat-9395	408	20	.	.	PROPN
easat-9395	408	21	44	44	NUM
easat-9395	408	22	,	,	PUNCT
easat-9395	408	23	no	no	INTJ
easat-9395	408	24	.	.	NOUN
easat-9395	408	25	2	2	NUM
easat-9395	408	26	,	,	PUNCT
easat-9395	408	27	pp	pp	ADJ
easat-9395	408	28	.	.	PUNCT
easat-9395	409	1	296	296	NUM
easat-9395	409	2	-	-	SYM
easat-9395	409	3	316	316	NUM
easat-9395	409	4	,	,	PUNCT
easat-9395	409	5	2010	2010	NUM
easat-9395	409	6	.	.	PUNCT
easat-9395	410	1	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
easat-9395	411	1	[	[	X
easat-9395	411	2	45	45	NUM
easat-9395	411	3	]	]	PUNCT
easat-9395	411	4	m.	m.	NOUN
easat-9395	411	5	navickas	navickas	PROPN
easat-9395	411	6	,	,	PUNCT
easat-9395	411	7	t.	t.	PROPN
easat-9395	411	8	gudaitis	gudaitis	PROPN
easat-9395	411	9	,	,	PUNCT
easat-9395	411	10	and	and	CCONJ
easat-9395	411	11	e.	e.	PROPN
easat-9395	411	12	krajnakova	krajnakova	PROPN
easat-9395	411	13	,	,	PUNCT
easat-9395	411	14	"	"	PUNCT
easat-9395	411	15	influence	influence	NOUN
easat-9395	411	16	of	of	ADP
easat-9395	411	17	financial	financial	ADJ
easat-9395	411	18	literacy	literacy	NOUN
easat-9395	411	19	on	on	ADP
easat-9395	411	20	management	management	NOUN
easat-9395	411	21	of	of	ADP
easat-9395	411	22	personal	personal	ADJ
easat-9395	411	23	finances	finance	NOUN
easat-9395	411	24	in	in	ADP
easat-9395	411	25	a	a	DET
easat-9395	411	26	young	young	ADJ
easat-9395	411	27	household	household	NOUN
easat-9395	411	28	,	,	PUNCT
easat-9395	411	29	"	"	PUNCT
easat-9395	411	30	business	business	NOUN
easat-9395	411	31	:	:	PUNCT
easat-9395	411	32	theory	theory	NOUN
easat-9395	411	33	and	and	CCONJ
easat-9395	411	34	practice	practice	NOUN
easat-9395	411	35	,	,	PUNCT
easat-9395	411	36	vol	vol	NOUN
easat-9395	411	37	.	.	PROPN
easat-9395	411	38	15	15	NUM
easat-9395	411	39	,	,	PUNCT
easat-9395	411	40	no	no	INTJ
easat-9395	411	41	.	.	NOUN
easat-9395	411	42	1	1	NUM
easat-9395	411	43	,	,	PUNCT
easat-9395	411	44	pp	pp	ADJ
easat-9395	411	45	.	.	PUNCT
easat-9395	412	1	32–40	32–40	NUM
easat-9395	412	2	,	,	PUNCT
easat-9395	412	3	2014	2014	NUM
easat-9395	412	4	.	.	PUNCT
easat-9395	413	1	https://doi.org/10.3846/btp.2014.04	https://doi.org/10.3846/btp.2014.04	X
easat-9395	414	1	[	[	X
easat-9395	414	2	46	46	NUM
easat-9395	414	3	]	]	X
easat-9395	414	4	g.	g.	PROPN
easat-9395	414	5	m.	m.	PROPN
easat-9395	414	6	y.	y.	PROPN
easat-9395	414	7	owusu	owusu	PROPN
easat-9395	414	8	,	,	PUNCT
easat-9395	414	9	"	"	PUNCT
easat-9395	414	10	predictors	predictor	NOUN
easat-9395	414	11	of	of	ADP
easat-9395	414	12	financial	financial	ADJ
easat-9395	414	13	satisfaction	satisfaction	NOUN
easat-9395	414	14	and	and	CCONJ
easat-9395	414	15	its	its	PRON
easat-9395	414	16	impact	impact	NOUN
easat-9395	414	17	on	on	ADP
easat-9395	414	18	psychological	psychological	ADJ
easat-9395	414	19	wellbeing	wellbeing	NOUN
easat-9395	414	20	of	of	ADP
easat-9395	414	21	individuals	individual	NOUN
easat-9395	414	22	,	,	PUNCT
easat-9395	414	23	"	"	PUNCT
easat-9395	414	24	journal	journal	NOUN
easat-9395	414	25	of	of	ADP
easat-9395	414	26	humanities	humanity	NOUN
easat-9395	414	27	and	and	CCONJ
easat-9395	414	28	applied	apply	VERB
easat-9395	414	29	social	social	ADJ
easat-9395	414	30	sciences	science	NOUN
easat-9395	414	31	,	,	PUNCT
easat-9395	414	32	vol	vol	NOUN
easat-9395	414	33	.	.	PROPN
easat-9395	414	34	5	5	NUM
easat-9395	414	35	,	,	PUNCT
easat-9395	414	36	no	no	INTJ
easat-9395	414	37	.	.	NOUN
easat-9395	414	38	1	1	NUM
easat-9395	414	39	,	,	PUNCT
easat-9395	414	40	pp	pp	ADJ
easat-9395	414	41	.	.	PUNCT
easat-9395	414	42	59	59	NUM
easat-9395	414	43	-	-	SYM
easat-9395	414	44	76	76	NUM
easat-9395	414	45	,	,	PUNCT
easat-9395	414	46	2021	2021	NUM
easat-9395	414	47	.	.	PUNCT
easat-9395	415	1	https://doi.org/10.1108/jhass-052021-0101	https://doi.org/10.1108/jhass-052021-0101	NOUN
easat-9395	416	1	[	[	X
easat-9395	416	2	47	47	NUM
easat-9395	416	3	]	]	PUNCT
easat-9395	416	4	a.	a.	NOUN
easat-9395	416	5	kumar	kumar	PROPN
easat-9395	416	6	and	and	CCONJ
easat-9395	416	7	p.	p.	PROPN
easat-9395	416	8	singh	singh	PROPN
easat-9395	416	9	,	,	PUNCT
easat-9395	416	10	"	"	PUNCT
easat-9395	416	11	financial	financial	ADJ
easat-9395	416	12	literacy	literacy	NOUN
easat-9395	416	13	among	among	ADP
easat-9395	416	14	investors	investor	NOUN
easat-9395	416	15	:	:	PUNCT
easat-9395	416	16	theory	theory	NOUN
easat-9395	416	17	and	and	CCONJ
easat-9395	416	18	critical	critical	ADJ
easat-9395	416	19	review	review	NOUN
easat-9395	416	20	of	of	ADP
easat-9395	416	21	literature	literature	NOUN
easat-9395	416	22	,	,	PUNCT
easat-9395	416	23	"	"	PUNCT
easat-9395	416	24	international	international	ADJ
easat-9395	416	25	journal	journal	NOUN
easat-9395	416	26	of	of	ADP
easat-9395	416	27	research	research	NOUN
easat-9395	416	28	in	in	ADP
easat-9395	416	29	commerce	commerce	PROPN
easat-9395	416	30	,	,	PUNCT
easat-9395	416	31	economics	economics	PROPN
easat-9395	416	32	&	&	CCONJ
easat-9395	416	33	management	management	NOUN
easat-9395	416	34	,	,	PUNCT
easat-9395	416	35	vol	vol	NOUN
easat-9395	416	36	.	.	PROPN
easat-9395	416	37	5	5	NUM
easat-9395	416	38	,	,	PUNCT
easat-9395	416	39	no	no	INTJ
easat-9395	416	40	.	.	NOUN
easat-9395	416	41	2	2	NUM
easat-9395	416	42	,	,	PUNCT
easat-9395	416	43	pp	pp	ADJ
easat-9395	416	44	.	.	PUNCT
easat-9395	416	45	42–46	42–46	NUM
easat-9395	416	46	,	,	PUNCT
easat-9395	416	47	2015	2015	NUM
easat-9395	416	48	.	.	PUNCT
easat-9395	417	1	[	[	X
easat-9395	417	2	48	48	NUM
easat-9395	417	3	]	]	PUNCT
easat-9395	417	4	g.	g.	PROPN
easat-9395	417	5	van	van	PROPN
easat-9395	417	6	de	de	PROPN
easat-9395	417	7	venter	venter	PROPN
easat-9395	417	8	,	,	PUNCT
easat-9395	417	9	d.	d.	PROPN
easat-9395	417	10	michayluk	michayluk	PROPN
easat-9395	417	11	,	,	PUNCT
easat-9395	417	12	and	and	CCONJ
easat-9395	417	13	g.	g.	PROPN
easat-9395	417	14	davey	davey	PROPN
easat-9395	417	15	,	,	PUNCT
easat-9395	417	16	"	"	PUNCT
easat-9395	417	17	a	a	DET
easat-9395	417	18	longitudinal	longitudinal	ADJ
easat-9395	417	19	study	study	NOUN
easat-9395	417	20	of	of	ADP
easat-9395	417	21	financial	financial	ADJ
easat-9395	417	22	risk	risk	NOUN
easat-9395	417	23	tolerance	tolerance	NOUN
easat-9395	417	24	,	,	PUNCT
easat-9395	417	25	"	"	PUNCT
easat-9395	417	26	journal	journal	NOUN
easat-9395	417	27	of	of	ADP
easat-9395	417	28	economic	economic	ADJ
easat-9395	417	29	psychology	psychology	NOUN
easat-9395	417	30	,	,	PUNCT
easat-9395	417	31	vol	vol	NOUN
easat-9395	417	32	.	.	PROPN
easat-9395	417	33	33	33	NUM
easat-9395	417	34	,	,	PUNCT
easat-9395	417	35	no	no	INTJ
easat-9395	417	36	.	.	NOUN
easat-9395	417	37	4	4	NUM
easat-9395	417	38	,	,	PUNCT
easat-9395	417	39	pp	pp	ADJ
easat-9395	417	40	.	.	PUNCT
easat-9395	418	1	794	794	NUM
easat-9395	418	2	-	-	SYM
easat-9395	418	3	800	800	NUM
easat-9395	418	4	,	,	PUNCT
easat-9395	418	5	2012	2012	NUM
easat-9395	418	6	.	.	PUNCT
easat-9395	419	1	https://doi.org/10.1016/j.joep.2012.03.001	https://doi.org/10.1016/j.joep.2012.03.001	VERB
easat-9395	420	1	[	[	X
easat-9395	420	2	49	49	NUM
easat-9395	420	3	]	]	PUNCT
easat-9395	420	4	j.	j.	PROPN
easat-9395	420	5	m.	m.	PROPN
easat-9395	420	6	jacobs	jacobs	PROPN
easat-9395	420	7	-	-	PUNCT
easat-9395	420	8	lawson	lawson	PROPN
easat-9395	420	9	and	and	CCONJ
easat-9395	420	10	d.	d.	PROPN
easat-9395	420	11	a.	a.	PROPN
easat-9395	420	12	hershey	hershey	PROPN
easat-9395	420	13	,	,	PUNCT
easat-9395	420	14	"	"	PUNCT
easat-9395	420	15	influence	influence	NOUN
easat-9395	420	16	of	of	ADP
easat-9395	420	17	future	future	ADJ
easat-9395	420	18	time	time	NOUN
easat-9395	420	19	perspective	perspective	NOUN
easat-9395	420	20	,	,	PUNCT
easat-9395	420	21	financial	financial	ADJ
easat-9395	420	22	knowledge	knowledge	NOUN
easat-9395	420	23	,	,	PUNCT
easat-9395	420	24	and	and	CCONJ
easat-9395	420	25	financial	financial	ADJ
easat-9395	420	26	risk	risk	NOUN
easat-9395	420	27	tolerance	tolerance	NOUN
easat-9395	420	28	on	on	ADP
easat-9395	420	29	retirement	retirement	NOUN
easat-9395	420	30	saving	saving	NOUN
easat-9395	420	31	behaviors	behavior	NOUN
easat-9395	420	32	,	,	PUNCT
easat-9395	420	33	"	"	PUNCT
easat-9395	420	34	financial	financial	ADJ
easat-9395	420	35	services	service	NOUN
easat-9395	420	36	review	review	NOUN
easat-9395	420	37	,	,	PUNCT
easat-9395	420	38	vol	vol	NOUN
easat-9395	420	39	.	.	PROPN
easat-9395	421	1	14	14	NUM
easat-9395	421	2	,	,	PUNCT
easat-9395	421	3	no	no	INTJ
easat-9395	421	4	.	.	NOUN
easat-9395	421	5	4	4	NUM
easat-9395	421	6	,	,	PUNCT
easat-9395	421	7	pp	pp	ADJ
easat-9395	421	8	.	.	PUNCT
easat-9395	422	1	331	331	NUM
easat-9395	422	2	-	-	SYM
easat-9395	422	3	344	344	NUM
easat-9395	422	4	,	,	PUNCT
easat-9395	422	5	2005	2005	NUM
easat-9395	422	6	.	.	PUNCT
easat-9395	423	1	[	[	X
easat-9395	423	2	50	50	NUM
easat-9395	423	3	]	]	PUNCT
easat-9395	423	4	a.	a.	PROPN
easat-9395	423	5	ali	ali	PROPN
easat-9395	423	6	,	,	PUNCT
easat-9395	423	7	m.	m.	PROPN
easat-9395	423	8	s.	s.	PROPN
easat-9395	423	9	a.	a.	PROPN
easat-9395	423	10	rahman	rahman	PROPN
easat-9395	423	11	,	,	PUNCT
easat-9395	423	12	and	and	CCONJ
easat-9395	423	13	a.	a.	NOUN
easat-9395	423	14	bakar	bakar	PROPN
easat-9395	423	15	,	,	PUNCT
easat-9395	423	16	"	"	PUNCT
easat-9395	423	17	financial	financial	ADJ
easat-9395	423	18	satisfaction	satisfaction	NOUN
easat-9395	423	19	and	and	CCONJ
easat-9395	423	20	the	the	DET
easat-9395	423	21	influence	influence	NOUN
easat-9395	423	22	of	of	ADP
easat-9395	423	23	financial	financial	ADJ
easat-9395	423	24	literacy	literacy	NOUN
easat-9395	423	25	in	in	ADP
easat-9395	423	26	malaysia	malaysia	PROPN
easat-9395	423	27	,	,	PUNCT
easat-9395	423	28	"	"	PUNCT
easat-9395	423	29	social	social	ADJ
easat-9395	423	30	indicators	indicator	NOUN
easat-9395	423	31	research	research	NOUN
easat-9395	423	32	,	,	PUNCT
easat-9395	423	33	vol	vol	NOUN
easat-9395	423	34	.	.	PROPN
easat-9395	424	1	120	120	NUM
easat-9395	424	2	,	,	PUNCT
easat-9395	424	3	no	no	INTJ
easat-9395	424	4	.	.	NOUN
easat-9395	424	5	1	1	NUM
easat-9395	424	6	,	,	PUNCT
easat-9395	424	7	pp	pp	ADJ
easat-9395	424	8	.	.	PUNCT
easat-9395	425	1	137	137	NUM
easat-9395	425	2	-	-	SYM
easat-9395	425	3	156	156	NUM
easat-9395	425	4	,	,	PUNCT
easat-9395	425	5	2015	2015	NUM
easat-9395	425	6	.	.	PUNCT
easat-9395	426	1	https://doi.org/10.1007/s11205-014-0583-0	https://doi.org/10.1007/s11205-014-0583-0	PROPN
easat-9395	427	1	[	[	X
easat-9395	427	2	51	51	NUM
easat-9395	427	3	]	]	PUNCT
easat-9395	427	4	m.	m.	PROPN
easat-9395	427	5	n.	n.	PROPN
easat-9395	427	6	farida	farida	PROPN
easat-9395	427	7	,	,	PUNCT
easat-9395	427	8	y.	y.	PROPN
easat-9395	427	9	soesatyo	soesatyo	PROPN
easat-9395	427	10	,	,	PUNCT
easat-9395	427	11	and	and	CCONJ
easat-9395	427	12	t.	t.	PROPN
easat-9395	427	13	s.	s.	PROPN
easat-9395	427	14	aji	aji	PROPN
easat-9395	427	15	,	,	PUNCT
easat-9395	427	16	"	"	PUNCT
easat-9395	427	17	influence	influence	NOUN
easat-9395	427	18	of	of	ADP
easat-9395	427	19	financial	financial	ADJ
easat-9395	427	20	literacy	literacy	NOUN
easat-9395	427	21	and	and	CCONJ
easat-9395	427	22	use	use	NOUN
easat-9395	427	23	of	of	ADP
easat-9395	427	24	financial	financial	ADJ
easat-9395	427	25	technology	technology	NOUN
easat-9395	427	26	on	on	ADP
easat-9395	427	27	financial	financial	ADJ
easat-9395	427	28	satisfaction	satisfaction	NOUN
easat-9395	427	29	through	through	ADP
easat-9395	427	30	financial	financial	ADJ
easat-9395	427	31	behavior	behavior	NOUN
easat-9395	427	32	,	,	PUNCT
easat-9395	427	33	"	"	PUNCT
easat-9395	427	34	international	international	ADJ
easat-9395	427	35	journal	journal	NOUN
easat-9395	427	36	of	of	ADP
easat-9395	427	37	education	education	NOUN
easat-9395	427	38	and	and	CCONJ
easat-9395	427	39	literacy	literacy	NOUN
easat-9395	427	40	studies	study	NOUN
easat-9395	427	41	,	,	PUNCT
easat-9395	427	42	vol	vol	NOUN
easat-9395	427	43	.	.	PROPN
easat-9395	427	44	9	9	NUM
easat-9395	427	45	,	,	PUNCT
easat-9395	427	46	no	no	INTJ
easat-9395	427	47	.	.	NOUN
easat-9395	427	48	1	1	NUM
easat-9395	427	49	,	,	PUNCT
easat-9395	427	50	pp	pp	ADJ
easat-9395	427	51	.	.	PUNCT
easat-9395	428	1	86	86	NUM
easat-9395	428	2	-	-	SYM
easat-9395	428	3	95	95	NUM
easat-9395	428	4	,	,	PUNCT
easat-9395	428	5	2021	2021	NUM
easat-9395	428	6	.	.	PUNCT
easat-9395	429	1	[	[	X
easat-9395	429	2	52	52	NUM
easat-9395	429	3	]	]	PUNCT
easat-9395	429	4	a.	a.	NOUN
easat-9395	429	5	c.	c.	PROPN
easat-9395	429	6	g.	g.	PROPN
easat-9395	429	7	potrich	potrich	PROPN
easat-9395	429	8	,	,	PUNCT
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easat-9395	429	10	m.	m.	PROPN
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easat-9395	429	12	,	,	PUNCT
easat-9395	429	13	and	and	CCONJ
easat-9395	429	14	w.	w.	PROPN
easat-9395	429	15	mendes	mendes	PROPN
easat-9395	429	16	-	-	PUNCT
easat-9395	429	17	da	da	PROPN
easat-9395	429	18	-	-	PUNCT
easat-9395	429	19	silva	silva	NOUN
easat-9395	429	20	,	,	PUNCT
easat-9395	429	21	"	"	PUNCT
easat-9395	429	22	development	development	NOUN
easat-9395	429	23	of	of	ADP
easat-9395	429	24	a	a	DET
easat-9395	429	25	financial	financial	ADJ
easat-9395	429	26	literacy	literacy	NOUN
easat-9395	429	27	model	model	NOUN
easat-9395	429	28	for	for	ADP
easat-9395	429	29	university	university	NOUN
easat-9395	429	30	students	student	NOUN
easat-9395	429	31	,	,	PUNCT
easat-9395	429	32	"	"	PUNCT
easat-9395	429	33	management	management	NOUN
easat-9395	429	34	research	research	NOUN
easat-9395	429	35	review	review	PROPN
easat-9395	429	36	,	,	PUNCT
easat-9395	429	37	vol	vol	NOUN
easat-9395	429	38	.	.	PROPN
easat-9395	429	39	39	39	NUM
easat-9395	429	40	,	,	PUNCT
easat-9395	429	41	no	no	INTJ
easat-9395	429	42	.	.	NOUN
easat-9395	429	43	3	3	NUM
easat-9395	429	44	,	,	PUNCT
easat-9395	429	45	pp	pp	ADJ
easat-9395	429	46	.	.	PUNCT
easat-9395	430	1	356	356	NUM
easat-9395	430	2	-	-	SYM
easat-9395	430	3	376	376	NUM
easat-9395	430	4	,	,	PUNCT
easat-9395	430	5	2016	2016	NUM
easat-9395	430	6	.	.	PUNCT
easat-9395	431	1	https://doi.org/10.1108/mrr-06-20140143	https://doi.org/10.1108/mrr-06-20140143	NOUN
easat-9395	432	1	[	[	X
easat-9395	432	2	53	53	NUM
easat-9395	432	3	]	]	PUNCT
easat-9395	432	4	l.	l.	PROPN
easat-9395	432	5	mandell	mandell	PROPN
easat-9395	432	6	and	and	CCONJ
easat-9395	432	7	l.	l.	PROPN
easat-9395	432	8	s.	s.	PROPN
easat-9395	432	9	klein	klein	PROPN
easat-9395	432	10	,	,	PUNCT
easat-9395	432	11	"	"	PUNCT
easat-9395	432	12	the	the	DET
easat-9395	432	13	impact	impact	NOUN
easat-9395	432	14	of	of	ADP
easat-9395	432	15	financial	financial	ADJ
easat-9395	432	16	literacy	literacy	NOUN
easat-9395	432	17	education	education	NOUN
easat-9395	432	18	on	on	ADP
easat-9395	432	19	subsequent	subsequent	ADJ
easat-9395	432	20	financial	financial	ADJ
easat-9395	432	21	behavior	behavior	NOUN
easat-9395	432	22	,	,	PUNCT
easat-9395	432	23	"	"	PUNCT
easat-9395	432	24	journal	journal	NOUN
easat-9395	432	25	of	of	ADP
easat-9395	432	26	financial	financial	ADJ
easat-9395	432	27	counseling	counseling	NOUN
easat-9395	432	28	and	and	CCONJ
easat-9395	432	29	planning	planning	NOUN
easat-9395	432	30	,	,	PUNCT
easat-9395	432	31	vol	vol	NOUN
easat-9395	432	32	.	.	PROPN
easat-9395	432	33	20	20	NUM
easat-9395	432	34	,	,	PUNCT
easat-9395	432	35	no	no	INTJ
easat-9395	432	36	.	.	NOUN
easat-9395	432	37	1	1	NUM
easat-9395	432	38	,	,	PUNCT
easat-9395	432	39	2009	2009	NUM
easat-9395	432	40	.	.	PUNCT
easat-9395	433	1	[	[	X
easat-9395	433	2	54	54	NUM
easat-9395	433	3	]	]	PUNCT
easat-9395	433	4	j.	j.	PROPN
easat-9395	433	5	j.	j.	PROPN
easat-9395	433	6	xiao	xiao	PROPN
easat-9395	433	7	,	,	PUNCT
easat-9395	433	8	c.	c.	PROPN
easat-9395	433	9	chen	chen	PROPN
easat-9395	433	10	,	,	PUNCT
easat-9395	433	11	and	and	CCONJ
easat-9395	433	12	f.	f.	PROPN
easat-9395	433	13	chen	chen	PROPN
easat-9395	433	14	,	,	PUNCT
easat-9395	433	15	"	"	PUNCT
easat-9395	433	16	consumer	consumer	NOUN
easat-9395	433	17	financial	financial	ADJ
easat-9395	433	18	capability	capability	NOUN
easat-9395	433	19	and	and	CCONJ
easat-9395	433	20	financial	financial	ADJ
easat-9395	433	21	satisfaction	satisfaction	NOUN
easat-9395	433	22	,	,	PUNCT
easat-9395	433	23	"	"	PUNCT
easat-9395	433	24	social	social	ADJ
easat-9395	433	25	indicators	indicator	NOUN
easat-9395	433	26	research	research	NOUN
easat-9395	433	27	,	,	PUNCT
easat-9395	433	28	vol	vol	NOUN
easat-9395	433	29	.	.	PROPN
easat-9395	433	30	118	118	NUM
easat-9395	433	31	,	,	PUNCT
easat-9395	433	32	no	no	INTJ
easat-9395	433	33	.	.	NOUN
easat-9395	433	34	1	1	NUM
easat-9395	433	35	,	,	PUNCT
easat-9395	433	36	pp	pp	ADJ
easat-9395	433	37	.	.	PUNCT
easat-9395	434	1	415	415	NUM
easat-9395	434	2	-	-	NUM
easat-9395	434	3	432	432	NUM
easat-9395	434	4	,	,	PUNCT
easat-9395	434	5	2014	2014	NUM
easat-9395	434	6	.	.	PUNCT
easat-9395	435	1	https://doi.org/10.1007/s11205-013-0414-8	https://doi.org/10.1007/s11205-013-0414-8	VERB
easat-9395	436	1	https://doi.org/10.1108/sajbs-07-2017-0088	https://doi.org/10.1108/sajbs-07-2017-0088	PROPN
easat-9395	436	2	https://doi.org/10.1177/0260107917731034	https://doi.org/10.1177/0260107917731034	X
easat-9395	437	1	https://doi.org/10.5430/ijfr.v10n4p55	https://doi.org/10.5430/ijfr.v10n4p55	PROPN
easat-9395	437	2	https://doi.org/10.1016/s1574-0102(03)01027-6	https://doi.org/10.1016/s1574-0102(03)01027-6	AUX
easat-9395	437	3	https://doi.org/10.1016/j.jbef.2022.100652	https://doi.org/10.1016/j.jbef.2022.100652	PROPN
easat-9395	437	4	https://doi.org/10.2991/978-94-6463-178-4_34	https://doi.org/10.2991/978-94-6463-178-4_34	X
easat-9395	437	5	https://doi.org/10.32332/milrev.v4i1.10075	https://doi.org/10.32332/milrev.v4i1.10075	VERB
easat-9395	437	6	https://doi.org/10.18488/35.v11i3.3766	https://doi.org/10.18488/35.v11i3.3766	ADJ
easat-9395	437	7	https://doi.org/10.1016/j.jfineco.2011.03.006	https://doi.org/10.1016/j.jfineco.2011.03.006	ADJ
easat-9395	437	8	https://doi.org/10.18502/kss.v4i7.6854	https://doi.org/10.18502/kss.v4i7.6854	NOUN
easat-9395	437	9	https://doi.org/10.1108/ijbm-01-2016-0009	https://doi.org/10.1108/ijbm-01-2016-0009	NOUN
easat-9395	437	10	https://doi.org/10.1108/ijbm-01-2016-0009	https://doi.org/10.1108/ijbm-01-2016-0009	NOUN
easat-9395	437	11	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	NOUN
easat-9395	438	1	https://doi.org/10.3846/btp.2014.04	https://doi.org/10.3846/btp.2014.04	X
easat-9395	438	2	https://doi.org/10.1108/jhass-05-2021-0101	https://doi.org/10.1108/jhass-05-2021-0101	PROPN
easat-9395	438	3	https://doi.org/10.1108/jhass-05-2021-0101	https://doi.org/10.1108/jhass-05-2021-0101	PROPN
easat-9395	438	4	https://doi.org/10.1016/j.joep.2012.03.001	https://doi.org/10.1016/j.joep.2012.03.001	NUM
easat-9395	438	5	https://doi.org/10.1007/s11205-014-0583-0	https://doi.org/10.1007/s11205-014-0583-0	NUM
easat-9395	438	6	https://doi.org/10.1108/mrr-06-2014-0143	https://doi.org/10.1108/mrr-06-2014-0143	NOUN
easat-9395	438	7	https://doi.org/10.1108/mrr-06-2014-0143	https://doi.org/10.1108/mrr-06-2014-0143	NOUN
easat-9395	438	8	https://doi.org/10.1007/s11205-013-0414-8	https://doi.org/10.1007/s11205-013-0414-8	NUM
easat-9395	438	9	665	665	NUM
easat-9395	438	10	edelweiss	edelweiss	PROPN
easat-9395	438	11	applied	apply	VERB
easat-9395	438	12	science	science	NOUN
easat-9395	438	13	and	and	CCONJ
easat-9395	438	14	technology	technology	NOUN
easat-9395	438	15	issn	issn	PROPN
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easat-9395	438	17	2576	2576	NUM
easat-9395	438	18	-	-	SYM
easat-9395	438	19	8484	8484	NUM
easat-9395	438	20	vol	vol	NOUN
easat-9395	438	21	.	.	PROPN
easat-9395	439	1	9	9	NUM
easat-9395	439	2	,	,	PUNCT
easat-9395	439	3	no	no	INTJ
easat-9395	439	4	.	.	NOUN
easat-9395	439	5	8	8	NUM
easat-9395	439	6	:	:	PUNCT
easat-9395	439	7	652	652	NUM
easat-9395	439	8	-	-	SYM
easat-9395	439	9	665	665	NUM
easat-9395	439	10	,	,	PUNCT
easat-9395	439	11	2025	2025	NUM
easat-9395	439	12	doi	doi	NOUN
easat-9395	439	13	:	:	PUNCT
easat-9395	439	14	10.55214/2576	10.55214/2576	NUM
easat-9395	439	15	-	-	NOUN
easat-9395	439	16	8484.v9i8.9395	8484.v9i8.9395	NUM
easat-9395	439	17	©	©	PROPN
easat-9395	439	18	2025	2025	NUM
easat-9395	439	19	by	by	ADP
easat-9395	439	20	the	the	DET
easat-9395	439	21	authors	author	NOUN
easat-9395	439	22	;	;	PUNCT
easat-9395	439	23	licensee	licensee	PROPN
easat-9395	439	24	learning	learning	NOUN
easat-9395	439	25	gate	gate	NOUN
easat-9395	440	1	[	[	X
easat-9395	440	2	55	55	NUM
easat-9395	440	3	]	]	PUNCT
easat-9395	440	4	h.	h.	PROPN
easat-9395	440	5	n.	n.	PROPN
easat-9395	440	6	boone	boone	PROPN
easat-9395	440	7	jr	jr	PROPN
easat-9395	440	8	and	and	CCONJ
easat-9395	440	9	d.	d.	PROPN
easat-9395	440	10	a.	a.	PROPN
easat-9395	440	11	boone	boone	PROPN
easat-9395	440	12	,	,	PUNCT
easat-9395	440	13	"	"	PUNCT
easat-9395	440	14	analyzing	analyze	VERB
easat-9395	440	15	likert	likert	ADJ
easat-9395	440	16	data	datum	NOUN
easat-9395	440	17	,	,	PUNCT
easat-9395	440	18	"	"	PUNCT
easat-9395	440	19	the	the	DET
easat-9395	440	20	journal	journal	NOUN
easat-9395	440	21	of	of	ADP
easat-9395	440	22	extension	extension	NOUN
easat-9395	440	23	,	,	PUNCT
easat-9395	440	24	vol	vol	NOUN
easat-9395	440	25	.	.	PROPN
easat-9395	441	1	50	50	NUM
easat-9395	441	2	,	,	PUNCT
easat-9395	441	3	no	no	INTJ
easat-9395	441	4	.	.	NOUN
easat-9395	441	5	2	2	NUM
easat-9395	441	6	,	,	PUNCT
easat-9395	441	7	p.	p.	NOUN
easat-9395	441	8	48	48	NUM
easat-9395	441	9	,	,	PUNCT
easat-9395	441	10	2012	2012	NUM
easat-9395	441	11	.	.	PUNCT
easat-9395	442	1	[	[	X
easat-9395	442	2	56	56	NUM
easat-9395	442	3	]	]	X
easat-9395	442	4	p.	p.	NOUN
easat-9395	442	5	gerrans	gerrans	PROPN
easat-9395	442	6	,	,	PUNCT
easat-9395	442	7	r.	r.	PROPN
easat-9395	442	8	faff	faff	PROPN
easat-9395	442	9	,	,	PUNCT
easat-9395	442	10	and	and	CCONJ
easat-9395	442	11	n.	n.	PROPN
easat-9395	442	12	hartnett	hartnett	PROPN
easat-9395	442	13	,	,	PUNCT
easat-9395	442	14	"	"	PUNCT
easat-9395	442	15	individual	individual	ADJ
easat-9395	442	16	financial	financial	ADJ
easat-9395	442	17	risk	risk	NOUN
easat-9395	442	18	tolerance	tolerance	NOUN
easat-9395	442	19	and	and	CCONJ
easat-9395	442	20	the	the	DET
easat-9395	442	21	global	global	ADJ
easat-9395	442	22	financial	financial	ADJ
easat-9395	442	23	crisis	crisis	NOUN
easat-9395	442	24	,	,	PUNCT
easat-9395	442	25	"	"	PUNCT
easat-9395	442	26	accounting	accounting	NOUN
easat-9395	442	27	&	&	CCONJ
easat-9395	442	28	finance	finance	NOUN
easat-9395	442	29	,	,	PUNCT
easat-9395	442	30	vol	vol	NOUN
easat-9395	442	31	.	.	PROPN
easat-9395	443	1	55	55	NUM
easat-9395	443	2	,	,	PUNCT
easat-9395	443	3	no	no	INTJ
easat-9395	443	4	.	.	NOUN
easat-9395	443	5	1	1	NUM
easat-9395	443	6	,	,	PUNCT
easat-9395	443	7	pp	pp	ADJ
easat-9395	443	8	.	.	PUNCT
easat-9395	444	1	165	165	NUM
easat-9395	444	2	-	-	SYM
easat-9395	444	3	185	185	NUM
easat-9395	444	4	,	,	PUNCT
easat-9395	444	5	2015	2015	NUM
easat-9395	444	6	.	.	PUNCT
easat-9395	445	1	[	[	X
easat-9395	445	2	57	57	NUM
easat-9395	445	3	]	]	PUNCT
easat-9395	445	4	j.	j.	PROPN
easat-9395	445	5	hair	hair	PROPN
easat-9395	445	6	,	,	PUNCT
easat-9395	445	7	c.	c.	PROPN
easat-9395	445	8	ringle	ringle	PROPN
easat-9395	445	9	,	,	PUNCT
easat-9395	445	10	and	and	CCONJ
easat-9395	445	11	m.	m.	NOUN
easat-9395	445	12	sarstedt	sarstedt	NOUN
easat-9395	445	13	,	,	PUNCT
easat-9395	445	14	"	"	PUNCT
easat-9395	445	15	partial	partial	ADJ
easat-9395	445	16	least	least	ADJ
easat-9395	445	17	squares	square	VERB
easat-9395	445	18	structural	structural	ADJ
easat-9395	445	19	equation	equation	NOUN
easat-9395	445	20	modeling	modeling	NOUN
easat-9395	445	21	:	:	PUNCT
easat-9395	445	22	rigorous	rigorous	ADJ
easat-9395	445	23	applications	application	NOUN
easat-9395	445	24	,	,	PUNCT
easat-9395	445	25	better	well	ADJ
easat-9395	445	26	results	result	NOUN
easat-9395	445	27	and	and	CCONJ
easat-9395	445	28	higher	high	ADJ
easat-9395	445	29	acceptance	acceptance	NOUN
easat-9395	445	30	,	,	PUNCT
easat-9395	445	31	"	"	PUNCT
easat-9395	445	32	long	long	ADJ
easat-9395	445	33	range	range	NOUN
easat-9395	445	34	planning	planning	NOUN
easat-9395	445	35	,	,	PUNCT
easat-9395	445	36	vol	vol	NOUN
easat-9395	445	37	.	.	PROPN
easat-9395	445	38	46	46	NUM
easat-9395	445	39	,	,	PUNCT
easat-9395	445	40	pp	pp	PROPN
easat-9395	445	41	.	.	PUNCT
easat-9395	445	42	1–12	1–12	NOUN
easat-9395	445	43	,	,	PUNCT
easat-9395	445	44	2013	2013	NUM
easat-9395	445	45	.	.	PUNCT
easat-9395	446	1	[	[	X
easat-9395	446	2	58	58	NUM
easat-9395	446	3	]	]	PUNCT
easat-9395	446	4	j.	j.	PROPN
easat-9395	446	5	f.	f.	PROPN
easat-9395	446	6	hair	hair	PROPN
easat-9395	446	7	,	,	PUNCT
easat-9395	446	8	m.	m.	NOUN
easat-9395	446	9	c.	c.	PROPN
easat-9395	446	10	howard	howard	PROPN
easat-9395	446	11	,	,	PUNCT
easat-9395	446	12	and	and	CCONJ
easat-9395	446	13	c.	c.	PROPN
easat-9395	446	14	nitzl	nitzl	PROPN
easat-9395	446	15	,	,	PUNCT
easat-9395	446	16	"	"	PUNCT
easat-9395	446	17	assessing	assess	VERB
easat-9395	446	18	measurement	measurement	NOUN
easat-9395	446	19	model	model	NOUN
easat-9395	446	20	quality	quality	NOUN
easat-9395	446	21	in	in	ADP
easat-9395	446	22	pls	pls	NOUN
easat-9395	446	23	-	-	PUNCT
easat-9395	446	24	sem	sem	NOUN
easat-9395	446	25	using	use	VERB
easat-9395	446	26	confirmatory	confirmatory	ADJ
easat-9395	446	27	composite	composite	ADJ
easat-9395	446	28	analysis	analysis	NOUN
easat-9395	446	29	,	,	PUNCT
easat-9395	446	30	"	"	PUNCT
easat-9395	446	31	journal	journal	NOUN
easat-9395	446	32	of	of	ADP
easat-9395	446	33	business	business	NOUN
easat-9395	446	34	research	research	NOUN
easat-9395	446	35	,	,	PUNCT
easat-9395	446	36	vol	vol	NOUN
easat-9395	446	37	.	.	PROPN
easat-9395	446	38	109	109	NUM
easat-9395	446	39	,	,	PUNCT
easat-9395	446	40	pp	pp	ADJ
easat-9395	446	41	.	.	PUNCT
easat-9395	447	1	101	101	NUM
easat-9395	447	2	-	-	SYM
easat-9395	447	3	110	110	NUM
easat-9395	447	4	,	,	PUNCT
easat-9395	447	5	2020	2020	NUM
easat-9395	447	6	.	.	PUNCT
easat-9395	448	1	https://doi.org/10.1016/j.jbusres.2019.11.069	https://doi.org/10.1016/j.jbusres.2019.11.069	NOUN
easat-9395	448	2	[	[	PUNCT
easat-9395	448	3	59	59	NUM
easat-9395	448	4	]	]	PUNCT
easat-9395	448	5	w.	w.	PROPN
easat-9395	448	6	w.	w.	PROPN
easat-9395	448	7	chin	chin	PROPN
easat-9395	448	8	,	,	PUNCT
easat-9395	448	9	"	"	PUNCT
easat-9395	448	10	how	how	SCONJ
easat-9395	448	11	to	to	PART
easat-9395	448	12	write	write	VERB
easat-9395	448	13	up	up	ADP
easat-9395	448	14	and	and	CCONJ
easat-9395	448	15	report	report	VERB
easat-9395	448	16	pls	pls	PROPN
easat-9395	448	17	analyses	analyse	VERB
easat-9395	448	18	.	.	PUNCT
easat-9395	448	19	"	"	PUNCT
easat-9395	449	1	berlin	berlin	PROPN
easat-9395	449	2	,	,	PUNCT
easat-9395	449	3	heidelberg	heidelberg	PROPN
easat-9395	449	4	:	:	PUNCT
easat-9395	449	5	springer	springer	PROPN
easat-9395	449	6	berlin	berlin	PROPN
easat-9395	449	7	heidelberg	heidelberg	PROPN
easat-9395	449	8	,	,	PUNCT
easat-9395	449	9	2010	2010	NUM
easat-9395	449	10	,	,	PUNCT
easat-9395	449	11	pp	pp	ADJ
easat-9395	449	12	.	.	PUNCT
easat-9395	449	13	655	655	NUM
easat-9395	449	14	-	-	SYM
easat-9395	449	15	690	690	NUM
easat-9395	449	16	.	.	PUNCT
easat-9395	449	17	https://doi.org/10.1007/978-3-540-32827-8_29	https://doi.org/10.1007/978-3-540-32827-8_29	PART
easat-9395	450	1	[	[	X
easat-9395	450	2	60	60	NUM
easat-9395	450	3	]	]	PUNCT
easat-9395	450	4	a.	a.	NOUN
easat-9395	450	5	stutzer	stutzer	NOUN
easat-9395	450	6	and	and	CCONJ
easat-9395	450	7	b.	b.	PROPN
easat-9395	450	8	frey	frey	PROPN
easat-9395	450	9	,	,	PUNCT
easat-9395	450	10	"	"	PUNCT
easat-9395	450	11	happiness	happiness	NOUN
easat-9395	450	12	:	:	PUNCT
easat-9395	450	13	a	a	DET
easat-9395	450	14	new	new	ADJ
easat-9395	450	15	approach	approach	NOUN
easat-9395	450	16	in	in	ADP
easat-9395	450	17	economics	economic	NOUN
easat-9395	450	18	,	,	PUNCT
easat-9395	450	19	"	"	PUNCT
easat-9395	450	20	cesifo	cesifo	PROPN
easat-9395	450	21	dice	dice	NOUN
easat-9395	450	22	report	report	NOUN
easat-9395	450	23	,	,	PUNCT
easat-9395	450	24	vol	vol	NOUN
easat-9395	450	25	.	.	PROPN
easat-9395	450	26	8	8	NUM
easat-9395	450	27	,	,	PUNCT
easat-9395	450	28	no	no	INTJ
easat-9395	450	29	.	.	NOUN
easat-9395	450	30	4	4	NUM
easat-9395	450	31	,	,	PUNCT
easat-9395	450	32	pp	pp	ADJ
easat-9395	450	33	.	.	PUNCT
easat-9395	451	1	3–7	3–7	NUM
easat-9395	451	2	,	,	PUNCT
easat-9395	451	3	2010	2010	NUM
easat-9395	451	4	.	.	PUNCT
easat-9395	452	1	[	[	X
easat-9395	452	2	61	61	NUM
easat-9395	452	3	]	]	PUNCT
easat-9395	452	4	r.	r.	PROPN
easat-9395	452	5	j.	j.	PROPN
easat-9395	452	6	bloomfield	bloomfield	PROPN
easat-9395	452	7	,	,	PUNCT
easat-9395	452	8	"	"	PUNCT
easat-9395	452	9	behavioral	behavioral	ADJ
easat-9395	452	10	finance	finance	NOUN
easat-9395	452	11	,	,	PUNCT
easat-9395	452	12	"	"	PUNCT
easat-9395	452	13	2006	2006	NUM
easat-9395	452	14	.	.	PUNCT
easat-9395	452	15	http://ssrn.com/abstract=941491	http://ssrn.com/abstract=941491	NOUN
easat-9395	453	1	[	[	X
easat-9395	453	2	62	62	NUM
easat-9395	453	3	]	]	X
easat-9395	453	4	n.	n.	PROPN
easat-9395	453	5	lajuni	lajuni	PROPN
easat-9395	453	6	,	,	PUNCT
easat-9395	453	7	n.	n.	PROPN
easat-9395	453	8	abdullah	abdullah	PROPN
easat-9395	453	9	,	,	PUNCT
easat-9395	453	10	i.	i.	PROPN
easat-9395	453	11	bujang	bujang	PROPN
easat-9395	453	12	,	,	PUNCT
easat-9395	453	13	and	and	CCONJ
easat-9395	453	14	y.	y.	PROPN
easat-9395	453	15	yacob	yacob	PROPN
easat-9395	453	16	,	,	PUNCT
easat-9395	453	17	"	"	PUNCT
easat-9395	453	18	examining	examine	VERB
easat-9395	453	19	the	the	DET
easat-9395	453	20	predictive	predictive	ADJ
easat-9395	453	21	power	power	NOUN
easat-9395	453	22	of	of	ADP
easat-9395	453	23	financial	financial	ADJ
easat-9395	453	24	literacy	literacy	NOUN
easat-9395	453	25	and	and	CCONJ
easat-9395	453	26	theory	theory	NOUN
easat-9395	453	27	of	of	ADP
easat-9395	453	28	planned	plan	VERB
easat-9395	453	29	behavior	behavior	NOUN
easat-9395	453	30	on	on	ADP
easat-9395	453	31	intention	intention	NOUN
easat-9395	453	32	to	to	PART
easat-9395	453	33	change	change	VERB
easat-9395	453	34	financial	financial	ADJ
easat-9395	453	35	behavior	behavior	NOUN
easat-9395	453	36	,	,	PUNCT
easat-9395	453	37	"	"	PUNCT
easat-9395	453	38	international	international	ADJ
easat-9395	453	39	journal	journal	NOUN
easat-9395	453	40	of	of	ADP
easat-9395	453	41	business	business	NOUN
easat-9395	453	42	and	and	CCONJ
easat-9395	453	43	management	management	NOUN
easat-9395	453	44	invention	invention	NOUN
easat-9395	453	45	,	,	PUNCT
easat-9395	453	46	vol	vol	NOUN
easat-9395	453	47	.	.	PROPN
easat-9395	453	48	7	7	NUM
easat-9395	453	49	,	,	PUNCT
easat-9395	453	50	no	no	INTJ
easat-9395	453	51	.	.	NOUN
easat-9395	453	52	3	3	NUM
easat-9395	453	53	,	,	PUNCT
easat-9395	453	54	pp	pp	ADJ
easat-9395	453	55	.	.	PUNCT
easat-9395	453	56	60	60	NUM
easat-9395	453	57	-	-	SYM
easat-9395	453	58	66	66	NUM
easat-9395	453	59	,	,	PUNCT
easat-9395	453	60	2018	2018	NUM
easat-9395	453	61	.	.	PUNCT
easat-9395	454	1	[	[	X
easat-9395	454	2	63	63	NUM
easat-9395	454	3	]	]	PUNCT
easat-9395	454	4	m.	m.	PROPN
easat-9395	454	5	f.	f.	PROPN
easat-9395	454	6	sabri	sabri	PROPN
easat-9395	454	7	and	and	CCONJ
easat-9395	454	8	l.	l.	PROPN
easat-9395	454	9	falahati	falahati	PROPN
easat-9395	454	10	,	,	PUNCT
easat-9395	454	11	"	"	PUNCT
easat-9395	454	12	estimating	estimate	VERB
easat-9395	454	13	a	a	DET
easat-9395	454	14	model	model	NOUN
easat-9395	454	15	of	of	ADP
easat-9395	454	16	subjective	subjective	ADJ
easat-9395	454	17	financial	financial	ADJ
easat-9395	454	18	well	well	NOUN
easat-9395	454	19	-	-	PUNCT
easat-9395	454	20	being	being	NOUN
easat-9395	454	21	among	among	ADP
easat-9395	454	22	college	college	NOUN
easat-9395	454	23	students	student	NOUN
easat-9395	454	24	,	,	PUNCT
easat-9395	454	25	"	"	PUNCT
easat-9395	454	26	international	international	ADJ
easat-9395	454	27	journal	journal	NOUN
easat-9395	454	28	of	of	ADP
easat-9395	454	29	humanities	humanity	NOUN
easat-9395	454	30	and	and	CCONJ
easat-9395	454	31	social	social	ADJ
easat-9395	454	32	science	science	NOUN
easat-9395	454	33	,	,	PUNCT
easat-9395	454	34	vol	vol	NOUN
easat-9395	454	35	.	.	PROPN
easat-9395	454	36	2	2	NUM
easat-9395	454	37	,	,	PUNCT
easat-9395	454	38	no	no	INTJ
easat-9395	454	39	.	.	NOUN
easat-9395	454	40	18	18	NUM
easat-9395	454	41	,	,	PUNCT
easat-9395	454	42	pp	pp	ADJ
easat-9395	454	43	.	.	PUNCT
easat-9395	455	1	191	191	NUM
easat-9395	455	2	-	-	SYM
easat-9395	455	3	199	199	NUM
easat-9395	455	4	,	,	PUNCT
easat-9395	455	5	2012	2012	NUM
easat-9395	455	6	.	.	PUNCT
easat-9395	456	1	[	[	X
easat-9395	456	2	64	64	NUM
easat-9395	456	3	]	]	PUNCT
easat-9395	456	4	f.	f.	PROPN
easat-9395	456	5	m.	m.	PROPN
easat-9395	456	6	beer	beer	PROPN
easat-9395	456	7	and	and	CCONJ
easat-9395	456	8	j.	j.	PROPN
easat-9395	456	9	d.	d.	PROPN
easat-9395	456	10	wellman	wellman	PROPN
easat-9395	456	11	,	,	PUNCT
easat-9395	456	12	"	"	PUNCT
easat-9395	456	13	implication	implication	NOUN
easat-9395	456	14	of	of	ADP
easat-9395	456	15	stigmatization	stigmatization	NOUN
easat-9395	456	16	on	on	ADP
easat-9395	456	17	investors	investor	NOUN
easat-9395	456	18	financial	financial	ADJ
easat-9395	456	19	risk	risk	NOUN
easat-9395	456	20	tolerance	tolerance	NOUN
easat-9395	456	21	:	:	PUNCT
easat-9395	456	22	the	the	DET
easat-9395	456	23	case	case	NOUN
easat-9395	456	24	of	of	ADP
easat-9395	456	25	gay	gay	NOUN
easat-9395	456	26	men	man	NOUN
easat-9395	456	27	,	,	PUNCT
easat-9395	456	28	"	"	PUNCT
easat-9395	456	29	journal	journal	NOUN
easat-9395	456	30	of	of	ADP
easat-9395	456	31	behavioral	behavioral	ADJ
easat-9395	456	32	and	and	CCONJ
easat-9395	456	33	experimental	experimental	ADJ
easat-9395	456	34	finance	finance	NOUN
easat-9395	456	35	,	,	PUNCT
easat-9395	456	36	vol	vol	NOUN
easat-9395	456	37	.	.	PROPN
easat-9395	456	38	31	31	NUM
easat-9395	456	39	,	,	PUNCT
easat-9395	456	40	p.	p.	NOUN
easat-9395	456	41	100513	100513	NUM
easat-9395	456	42	,	,	PUNCT
easat-9395	456	43	2021	2021	NUM
easat-9395	456	44	.	.	PUNCT
easat-9395	457	1	https://doi.org/10.1016/j.jbef.2021.100513	https://doi.org/10.1016/j.jbef.2021.100513	PROPN
easat-9395	457	2	[	[	X
easat-9395	457	3	65	65	NUM
easat-9395	457	4	]	]	X
easat-9395	457	5	c.	c.	PROPN
easat-9395	457	6	wardoyo	wardoyo	PROPN
easat-9395	457	7	and	and	CCONJ
easat-9395	457	8	a.	a.	NOUN
easat-9395	457	9	herdiani	herdiani	PROPN
easat-9395	457	10	,	,	PUNCT
easat-9395	457	11	"	"	PUNCT
easat-9395	457	12	teacher	teacher	NOUN
easat-9395	457	13	professionalism	professionalism	NOUN
easat-9395	457	14	:	:	PUNCT
easat-9395	457	15	analysis	analysis	NOUN
easat-9395	457	16	of	of	ADP
easat-9395	457	17	professionalism	professionalism	NOUN
easat-9395	457	18	phases	phase	NOUN
easat-9395	457	19	,	,	PUNCT
easat-9395	457	20	"	"	PUNCT
easat-9395	457	21	international	international	ADJ
easat-9395	457	22	education	education	NOUN
easat-9395	457	23	studies	study	NOUN
easat-9395	457	24	,	,	PUNCT
easat-9395	457	25	vol	vol	NOUN
easat-9395	457	26	.	.	PROPN
easat-9395	457	27	10	10	NUM
easat-9395	457	28	,	,	PUNCT
easat-9395	457	29	no	no	INTJ
easat-9395	457	30	.	.	NOUN
easat-9395	457	31	4	4	NUM
easat-9395	457	32	,	,	PUNCT
easat-9395	457	33	pp	pp	ADJ
easat-9395	457	34	.	.	PUNCT
easat-9395	458	1	90	90	NUM
easat-9395	458	2	-	-	SYM
easat-9395	458	3	100	100	NUM
easat-9395	458	4	,	,	PUNCT
easat-9395	458	5	2017	2017	NUM
easat-9395	458	6	.	.	PUNCT
easat-9395	459	1	[	[	X
easat-9395	459	2	66	66	NUM
easat-9395	459	3	]	]	PUNCT
easat-9395	459	4	c.	c.	PROPN
easat-9395	459	5	wardoyo	wardoyo	PROPN
easat-9395	459	6	,	,	PUNCT
easat-9395	459	7	a.	a.	NOUN
easat-9395	459	8	herdiani	herdiani	PROPN
easat-9395	459	9	,	,	PUNCT
easat-9395	459	10	n.	n.	NOUN
easat-9395	459	11	susilowati	susilowati	NOUN
easat-9395	459	12	,	,	PUNCT
easat-9395	459	13	and	and	CCONJ
easat-9395	459	14	m.	m.	NOUN
easat-9395	459	15	s.	s.	PROPN
easat-9395	459	16	harahap	harahap	PROPN
easat-9395	459	17	,	,	PUNCT
easat-9395	459	18	"	"	PUNCT
easat-9395	459	19	professionalism	professionalism	NOUN
easat-9395	459	20	and	and	CCONJ
easat-9395	459	21	professionalization	professionalization	NOUN
easat-9395	459	22	of	of	ADP
easat-9395	459	23	early	early	ADJ
easat-9395	459	24	stage	stage	NOUN
easat-9395	459	25	teachers	teacher	NOUN
easat-9395	459	26	in	in	ADP
easat-9395	459	27	higher	high	ADJ
easat-9395	459	28	education	education	NOUN
easat-9395	459	29	,	,	PUNCT
easat-9395	459	30	"	"	PUNCT
easat-9395	459	31	journal	journal	NOUN
easat-9395	459	32	of	of	ADP
easat-9395	459	33	applied	apply	VERB
easat-9395	459	34	research	research	NOUN
easat-9395	459	35	in	in	ADP
easat-9395	459	36	higher	high	ADJ
easat-9395	459	37	education	education	NOUN
easat-9395	459	38	,	,	PUNCT
easat-9395	459	39	vol	vol	NOUN
easat-9395	459	40	.	.	PROPN
easat-9395	459	41	12	12	NUM
easat-9395	459	42	,	,	PUNCT
easat-9395	459	43	no	no	INTJ
easat-9395	459	44	.	.	NOUN
easat-9395	459	45	5	5	NUM
easat-9395	459	46	,	,	PUNCT
easat-9395	459	47	pp	pp	ADJ
easat-9395	459	48	.	.	PUNCT
easat-9395	459	49	1175	1175	NUM
easat-9395	459	50	-	-	SYM
easat-9395	459	51	1187	1187	NUM
easat-9395	459	52	,	,	PUNCT
easat-9395	459	53	2020	2020	NUM
easat-9395	459	54	.	.	PUNCT
easat-9395	460	1	https://doi.org/10.1108/jarhe-04-2019-0100	https://doi.org/10.1108/jarhe-04-2019-0100	NOUN
easat-9395	460	2	appendix	appendix	VERB
easat-9395	460	3	variable	variable	ADJ
easat-9395	460	4	indicator	indicator	NOUN
easat-9395	460	5	source	source	VERB
easat-9395	460	6	financial	financial	ADJ
easat-9395	460	7	literacy	literacy	NOUN
easat-9395	460	8	▪	▪	ADJ
easat-9395	460	9	financial	financial	ADJ
easat-9395	460	10	literacy	literacy	NOUN
easat-9395	460	11	can	can	AUX
easat-9395	460	12	help	help	VERB
easat-9395	460	13	you	you	PRON
easat-9395	460	14	...	...	PUNCT
easat-9395	460	15	▪	▪	NOUN
easat-9395	460	16	if	if	SCONJ
easat-9395	460	17	you	you	PRON
easat-9395	460	18	invest	invest	VERB
easat-9395	460	19	rp	rp	ADP
easat-9395	460	20	100,000	100,000	NUM
easat-9395	460	21	today	today	NOUN
easat-9395	460	22	at	at	ADP
easat-9395	460	23	an	an	DET
easat-9395	460	24	annual	annual	ADJ
easat-9395	460	25	interest	interest	NOUN
easat-9395	460	26	rate	rate	NOUN
easat-9395	460	27	of	of	ADP
easat-9395	460	28	4	4	NUM
easat-9395	460	29	%	%	NOUN
easat-9395	460	30	,	,	PUNCT
easat-9395	460	31	the	the	DET
easat-9395	460	32	balance	balance	NOUN
easat-9395	460	33	in	in	ADP
easat-9395	460	34	one	one	NUM
easat-9395	460	35	year	year	NOUN
easat-9395	460	36	will	will	AUX
easat-9395	460	37	...	...	PUNCT
easat-9395	460	38	▪	▪	X
easat-9395	460	39	the	the	DET
easat-9395	460	40	main	main	ADJ
easat-9395	460	41	reason	reason	NOUN
easat-9395	460	42	for	for	ADP
easat-9395	460	43	purchasing	purchase	VERB
easat-9395	460	44	insurance	insurance	NOUN
easat-9395	460	45	products	product	NOUN
easat-9395	460	46	is	be	AUX
easat-9395	460	47	...	...	PUNCT
easat-9395	460	48	▪	▪	X
easat-9395	460	49	the	the	DET
easat-9395	460	50	market	market	NOUN
easat-9395	460	51	price	price	NOUN
easat-9395	460	52	of	of	ADP
easat-9395	460	53	bonds	bond	NOUN
easat-9395	460	54	is	be	AUX
easat-9395	460	55	uncertain	uncertain	ADJ
easat-9395	460	56	;	;	PUNCT
easat-9395	460	57	it	it	PRON
easat-9395	460	58	can	can	AUX
easat-9395	460	59	be	be	AUX
easat-9395	460	60	higher	high	ADJ
easat-9395	460	61	or	or	CCONJ
easat-9395	460	62	lower	low	ADJ
easat-9395	460	63	than	than	ADP
easat-9395	460	64	the	the	DET
easat-9395	460	65	nominal	nominal	ADJ
easat-9395	460	66	value	value	NOUN
easat-9395	460	67	,	,	PUNCT
easat-9395	460	68	depending	depend	VERB
easat-9395	460	69	on	on	ADP
easat-9395	460	70	various	various	ADJ
easat-9395	460	71	factors	factor	NOUN
easat-9395	460	72	,	,	PUNCT
easat-9395	460	73	except	except	SCONJ
easat-9395	460	74	…	…	PUNCT
easat-9395	460	75	mandell	mandell	PROPN
easat-9395	460	76	and	and	CCONJ
easat-9395	460	77	klein	klein	PROPN
easat-9395	461	1	[	[	X
easat-9395	461	2	53	53	NUM
easat-9395	461	3	]	]	PUNCT
easat-9395	461	4	and	and	CCONJ
easat-9395	461	5	xiao	xiao	PROPN
easat-9395	461	6	,	,	PUNCT
easat-9395	461	7	et	et	PROPN
easat-9395	461	8	al	al	PROPN
easat-9395	461	9	.	.	PUNCT
easat-9395	462	1	[	[	X
easat-9395	462	2	54	54	NUM
easat-9395	462	3	]	]	PUNCT
easat-9395	462	4	financial	financial	ADJ
easat-9395	462	5	risk	risk	NOUN
easat-9395	462	6	tolerance	tolerance	NOUN
easat-9395	462	7	▪	▪	NOUN
easat-9395	462	8	i	i	PRON
easat-9395	462	9	would	would	AUX
easat-9395	462	10	choose	choose	VERB
easat-9395	462	11	a	a	DET
easat-9395	462	12	high	high	ADJ
easat-9395	462	13	-	-	PUNCT
easat-9395	462	14	risk	risk	NOUN
easat-9395	462	15	investment	investment	NOUN
easat-9395	462	16	type	type	NOUN
easat-9395	462	17	for	for	ADP
easat-9395	462	18	larger	large	ADJ
easat-9395	462	19	returns	return	NOUN
easat-9395	462	20	.	.	PUNCT
easat-9395	463	1	▪	▪	NOUN
easat-9395	463	2	i	i	PRON
easat-9395	463	3	feel	feel	VERB
easat-9395	463	4	worried	worried	ADJ
easat-9395	463	5	if	if	SCONJ
easat-9395	463	6	most	most	ADJ
easat-9395	463	7	of	of	ADP
easat-9395	463	8	my	my	PRON
easat-9395	463	9	investments	investment	NOUN
easat-9395	463	10	are	be	AUX
easat-9395	463	11	high	high	ADJ
easat-9395	463	12	-	-	PUNCT
easat-9395	463	13	risk	risk	NOUN
easat-9395	463	14	.	.	PUNCT
easat-9395	464	1	▪	▪	NOUN
easat-9395	464	2	i	i	PRON
easat-9395	464	3	prefer	prefer	VERB
easat-9395	464	4	capital	capital	NOUN
easat-9395	464	5	market	market	NOUN
easat-9395	464	6	investments	investment	NOUN
easat-9395	464	7	over	over	ADP
easat-9395	464	8	bank	bank	NOUN
easat-9395	464	9	deposits	deposit	NOUN
easat-9395	464	10	.	.	PUNCT
easat-9395	465	1	▪	▪	NOUN
easat-9395	465	2	i	i	PRON
easat-9395	465	3	prefer	prefer	VERB
easat-9395	465	4	precious	precious	ADJ
easat-9395	465	5	metals	metal	NOUN
easat-9395	465	6	/	/	SYM
easat-9395	465	7	jewelry	jewelry	NOUN
easat-9395	465	8	investments	investment	NOUN
easat-9395	465	9	over	over	ADP
easat-9395	465	10	the	the	DET
easat-9395	465	11	capital	capital	NOUN
easat-9395	465	12	market	market	NOUN
easat-9395	465	13	.	.	PUNCT
easat-9395	466	1	▪	▪	NOUN
easat-9395	466	2	i	i	PRON
easat-9395	466	3	lack	lack	VERB
easat-9395	466	4	knowledge	knowledge	NOUN
easat-9395	466	5	in	in	ADP
easat-9395	466	6	investing	invest	VERB
easat-9395	466	7	.	.	PUNCT
easat-9395	467	1	▪	▪	NOUN
easat-9395	467	2	i	i	PRON
easat-9395	467	3	am	be	AUX
easat-9395	467	4	comfortable	comfortable	ADJ
easat-9395	467	5	with	with	ADP
easat-9395	467	6	significant	significant	ADJ
easat-9395	467	7	investment	investment	NOUN
easat-9395	467	8	fluctuations	fluctuation	NOUN
easat-9395	467	9	.	.	PUNCT
easat-9395	468	1	grable	grable	ADJ
easat-9395	469	1	[	[	X
easat-9395	469	2	22	22	NUM
easat-9395	469	3	]	]	X
easat-9395	469	4	financial	financial	ADJ
easat-9395	469	5	behavior	behavior	NOUN
easat-9395	469	6	▪	▪	NOUN
easat-9395	469	7	i	i	PRON
easat-9395	469	8	make	make	VERB
easat-9395	469	9	plans	plan	NOUN
easat-9395	469	10	to	to	PART
easat-9395	469	11	achieve	achieve	VERB
easat-9395	469	12	my	my	PRON
easat-9395	469	13	desired	desire	VERB
easat-9395	469	14	financial	financial	ADJ
easat-9395	469	15	goals	goal	NOUN
easat-9395	469	16	.	.	PUNCT
easat-9395	470	1	▪	▪	NOUN
easat-9395	470	2	i	i	PRON
easat-9395	470	3	set	set	VERB
easat-9395	470	4	a	a	DET
easat-9395	470	5	spending	spending	NOUN
easat-9395	470	6	plan	plan	NOUN
easat-9395	470	7	for	for	ADP
easat-9395	470	8	financial	financial	ADJ
easat-9395	470	9	allocation	allocation	NOUN
easat-9395	470	10	.	.	PUNCT
easat-9395	471	1	▪	▪	NOUN
easat-9395	471	2	i	i	PRON
easat-9395	471	3	record	record	VERB
easat-9395	471	4	all	all	DET
easat-9395	471	5	income	income	NOUN
easat-9395	471	6	and	and	CCONJ
easat-9395	471	7	daily	daily	ADJ
easat-9395	471	8	expenses	expense	NOUN
easat-9395	471	9	.	.	PUNCT
easat-9395	472	1	▪	▪	NOUN
easat-9395	472	2	i	i	PRON
easat-9395	472	3	save	save	VERB
easat-9395	472	4	and	and	CCONJ
easat-9395	472	5	invest	invest	VERB
easat-9395	472	6	money	money	NOUN
easat-9395	472	7	by	by	ADP
easat-9395	472	8	setting	set	VERB
easat-9395	472	9	aside	aside	ADP
easat-9395	472	10	income	income	NOUN
easat-9395	472	11	.	.	PUNCT
easat-9395	473	1	▪	▪	NOUN
easat-9395	473	2	i	i	PRON
easat-9395	473	3	use	use	VERB
easat-9395	473	4	credit	credit	NOUN
easat-9395	473	5	for	for	ADP
easat-9395	473	6	purchasing	purchase	VERB
easat-9395	473	7	consumer	consumer	NOUN
easat-9395	473	8	goods	good	NOUN
easat-9395	473	9	.	.	PUNCT
easat-9395	474	1	▪	▪	NOUN
easat-9395	474	2	i	i	PRON
easat-9395	474	3	take	take	VERB
easat-9395	474	4	out	out	ADP
easat-9395	474	5	credit	credit	NOUN
easat-9395	474	6	to	to	PART
easat-9395	474	7	purchase	purchase	VERB
easat-9395	474	8	assets	asset	NOUN
easat-9395	474	9	.	.	PUNCT
easat-9395	475	1	potrich	potrich	PROPN
easat-9395	475	2	,	,	PUNCT
easat-9395	475	3	et	et	PROPN
easat-9395	475	4	al	al	PROPN
easat-9395	475	5	.	.	PUNCT
easat-9395	476	1	[	[	X
easat-9395	476	2	52	52	NUM
easat-9395	476	3	]	]	PUNCT
easat-9395	476	4	financial	financial	ADJ
easat-9395	476	5	satisfaction	satisfaction	NOUN
easat-9395	476	6	▪	▪	ADV
easat-9395	476	7	i	i	PRON
easat-9395	476	8	am	be	AUX
easat-9395	476	9	satisfied	satisfied	ADJ
easat-9395	476	10	because	because	SCONJ
easat-9395	476	11	my	my	PRON
easat-9395	476	12	savings	saving	NOUN
easat-9395	476	13	can	can	AUX
easat-9395	476	14	meet	meet	VERB
easat-9395	476	15	my	my	PRON
easat-9395	476	16	and	and	CCONJ
easat-9395	476	17	my	my	PRON
easat-9395	476	18	family	family	NOUN
easat-9395	476	19	’s	’s	PART
easat-9395	476	20	needs	need	NOUN
easat-9395	476	21	.	.	PUNCT
easat-9395	477	1	▪	▪	NOUN
easat-9395	477	2	i	i	PRON
easat-9395	477	3	am	be	AUX
easat-9395	477	4	dissatisfied	dissatisfied	ADJ
easat-9395	477	5	due	due	ADP
easat-9395	477	6	to	to	ADP
easat-9395	477	7	high	high	ADJ
easat-9395	477	8	expenses	expense	NOUN
easat-9395	477	9	leading	lead	VERB
easat-9395	477	10	to	to	ADP
easat-9395	477	11	debt	debt	NOUN
easat-9395	477	12	.	.	PUNCT
easat-9395	478	1	▪	▪	NOUN
easat-9395	478	2	i	i	PRON
easat-9395	478	3	am	be	AUX
easat-9395	478	4	satisfied	satisfied	ADJ
easat-9395	478	5	because	because	SCONJ
easat-9395	478	6	i	i	PRON
easat-9395	478	7	have	have	VERB
easat-9395	478	8	retirement	retirement	NOUN
easat-9395	478	9	savings	saving	NOUN
easat-9395	478	10	.	.	PUNCT
easat-9395	479	1	▪	▪	NOUN
easat-9395	479	2	i	i	PRON
easat-9395	479	3	am	be	AUX
easat-9395	479	4	satisfied	satisfied	ADJ
easat-9395	479	5	with	with	ADP
easat-9395	479	6	saving	save	VERB
easat-9395	479	7	income	income	NOUN
easat-9395	479	8	by	by	ADP
easat-9395	479	9	reducing	reduce	VERB
easat-9395	479	10	expenses	expense	NOUN
easat-9395	479	11	.	.	PUNCT
easat-9395	480	1	▪	▪	NOUN
easat-9395	480	2	i	i	PRON
easat-9395	480	3	am	be	AUX
easat-9395	480	4	satisfied	satisfied	ADJ
easat-9395	480	5	managing	manage	VERB
easat-9395	480	6	finances	finance	NOUN
easat-9395	480	7	in	in	ADP
easat-9395	480	8	detail	detail	NOUN
easat-9395	480	9	.	.	PUNCT
easat-9395	481	1	brüggen	brüggen	NOUN
easat-9395	481	2	,	,	PUNCT
easat-9395	481	3	et	et	PROPN
easat-9395	481	4	al	al	PROPN
easat-9395	481	5	.	.	PUNCT
easat-9395	482	1	[	[	X
easat-9395	482	2	10	10	NUM
easat-9395	482	3	]	]	SYM
easat-9395	482	4	https://doi.org/10.1016/j.jbusres.2019.11.069	https://doi.org/10.1016/j.jbusres.2019.11.069	PROPN
easat-9395	482	5	https://doi.org/10.1007/978-3-540-32827-8_29	https://doi.org/10.1007/978-3-540-32827-8_29	PROPN
easat-9395	482	6	http://ssrn.com/abstract=941491	http://ssrn.com/abstract=941491	PROPN
easat-9395	482	7	https://doi.org/10.1016/j.jbef.2021.100513	https://doi.org/10.1016/j.jbef.2021.100513	PROPN
easat-9395	482	8	https://doi.org/10.1108/jarhe-04-2019-0100	https://doi.org/10.1108/jarhe-04-2019-0100	NOUN