id	sid	tid	token	lemma	pos
easat-9942	1	1	edelweiss	edelweiss	PROPN
easat-9942	1	2	applied	apply	VERB
easat-9942	1	3	science	science	NOUN
easat-9942	1	4	and	and	CCONJ
easat-9942	1	5	technology	technology	NOUN
easat-9942	1	6	issn	issn	PROPN
easat-9942	1	7	:	:	PUNCT
easat-9942	1	8	2576	2576	NUM
easat-9942	1	9	-	-	SYM
easat-9942	1	10	8484	8484	NUM
easat-9942	1	11	vol	vol	NOUN
easat-9942	1	12	.	.	PROPN
easat-9942	2	1	9	9	NUM
easat-9942	2	2	,	,	PUNCT
easat-9942	2	3	no	no	INTJ
easat-9942	2	4	.	.	NOUN
easat-9942	2	5	9	9	NUM
easat-9942	2	6	,	,	PUNCT
easat-9942	2	7	761	761	NUM
easat-9942	2	8	-	-	SYM
easat-9942	2	9	773	773	NUM
easat-9942	2	10	2025	2025	NUM
easat-9942	2	11	publisher	publisher	NOUN
easat-9942	2	12	:	:	PUNCT
easat-9942	2	13	learning	learn	VERB
easat-9942	2	14	gate	gate	NOUN
easat-9942	2	15	doi	doi	PROPN
easat-9942	2	16	:	:	PUNCT
easat-9942	2	17	10.55214/2576	10.55214/2576	NUM
easat-9942	2	18	-	-	PUNCT
easat-9942	2	19	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	2	20	©	©	ADP
easat-9942	2	21	2025	2025	NUM
easat-9942	2	22	by	by	ADP
easat-9942	2	23	the	the	DET
easat-9942	2	24	authors	author	NOUN
easat-9942	2	25	;	;	PUNCT
easat-9942	2	26	licensee	licensee	PROPN
easat-9942	2	27	learning	learning	NOUN
easat-9942	2	28	gate	gate	NOUN
easat-9942	3	1	©	©	PROPN
easat-9942	3	2	2025	2025	NUM
easat-9942	3	3	by	by	ADP
easat-9942	3	4	the	the	DET
easat-9942	3	5	authors	author	NOUN
easat-9942	3	6	;	;	PUNCT
easat-9942	3	7	licensee	licensee	PROPN
easat-9942	3	8	learning	learning	NOUN
easat-9942	3	9	gate	gate	NOUN
easat-9942	3	10	history	history	NOUN
easat-9942	3	11	:	:	PUNCT
easat-9942	3	12	received	receive	VERB
easat-9942	3	13	:	:	PUNCT
easat-9942	3	14	7	7	NUM
easat-9942	3	15	july	july	NOUN
easat-9942	3	16	2025	2025	NUM
easat-9942	3	17	;	;	PUNCT
easat-9942	3	18	revised	revise	VERB
easat-9942	3	19	:	:	PUNCT
easat-9942	3	20	15	15	NUM
easat-9942	3	21	august	august	PROPN
easat-9942	3	22	2025	2025	NUM
easat-9942	3	23	;	;	PUNCT
easat-9942	3	24	accepted	accept	VERB
easat-9942	3	25	:	:	PUNCT
easat-9942	3	26	18	18	NUM
easat-9942	3	27	august	august	PROPN
easat-9942	3	28	2025	2025	NUM
easat-9942	3	29	;	;	PUNCT
easat-9942	3	30	published	publish	VERB
easat-9942	3	31	:	:	PUNCT
easat-9942	4	1	11	11	NUM
easat-9942	4	2	september	september	PROPN
easat-9942	4	3	2025	2025	NUM
easat-9942	4	4	*	*	PUNCT
easat-9942	4	5	correspondence	correspondence	NOUN
easat-9942	4	6	:	:	PUNCT
easat-9942	5	1	johanesbagus@gmail.com	johanesbagus@gmail.com	X
easat-9942	5	2	performance	performance	NOUN
easat-9942	5	3	guarantee	guarantee	NOUN
easat-9942	5	4	:	:	PUNCT
easat-9942	5	5	banking	banking	NOUN
easat-9942	5	6	guarantee	guarantee	NOUN
easat-9942	5	7	for	for	ADP
easat-9942	5	8	large	large	ADJ
easat-9942	5	9	and	and	CCONJ
easat-9942	5	10	bonafide	bonafide	ADJ
easat-9942	5	11	companies	company	NOUN
easat-9942	5	12	johanes	johane	VERB
easat-9942	5	13	bagus	bagus	PROPN
easat-9942	5	14	dharmawan1	dharmawan1	PROPN
easat-9942	5	15	*	*	PROPN
easat-9942	5	16	,	,	PUNCT
easat-9942	5	17	tarsisius	tarsisius	PROPN
easat-9942	5	18	murwadji2	murwadji2	PROPN
easat-9942	5	19	,	,	PUNCT
easat-9942	5	20	etty	etty	PROPN
easat-9942	5	21	mulyati3	mulyati3	PROPN
easat-9942	5	22	1,2,3faculty	1,2,3faculty	NUM
easat-9942	5	23	of	of	ADP
easat-9942	5	24	law	law	NOUN
easat-9942	5	25	,	,	PUNCT
easat-9942	5	26	padjajaran	padjajaran	ADJ
easat-9942	5	27	university	university	NOUN
easat-9942	5	28	,	,	PUNCT
easat-9942	5	29	indonesia	indonesia	PROPN
easat-9942	5	30	;	;	PUNCT
easat-9942	5	31	johanesbagus@gmail.com	johanesbagus@gmail.com	PROPN
easat-9942	5	32	(	(	PUNCT
easat-9942	5	33	j.b.d	j.b.d	PROPN
easat-9942	5	34	.	.	PUNCT
easat-9942	5	35	)	)	PUNCT
easat-9942	5	36	.	.	PUNCT
easat-9942	6	1	abstract	abstract	ADV
easat-9942	6	2	:	:	PUNCT
easat-9942	6	3	the	the	DET
easat-9942	6	4	current	current	ADJ
easat-9942	6	5	conventional	conventional	ADJ
easat-9942	6	6	guarantee	guarantee	NOUN
easat-9942	6	7	system	system	NOUN
easat-9942	6	8	is	be	AUX
easat-9942	6	9	fundamentally	fundamentally	ADV
easat-9942	6	10	unfair	unfair	ADJ
easat-9942	6	11	in	in	ADP
easat-9942	6	12	that	that	DET
easat-9942	6	13	prospective	prospective	ADJ
easat-9942	6	14	debtors	debtor	NOUN
easat-9942	6	15	who	who	PRON
easat-9942	6	16	are	be	AUX
easat-9942	6	17	large	large	ADJ
easat-9942	6	18	(	(	PUNCT
easat-9942	6	19	bonafide	bonafide	ADJ
easat-9942	6	20	)	)	PUNCT
easat-9942	6	21	companies	company	NOUN
easat-9942	6	22	,	,	PUNCT
easat-9942	6	23	have	have	AUX
easat-9942	6	24	good	good	ADJ
easat-9942	6	25	intentions	intention	NOUN
easat-9942	6	26	in	in	ADP
easat-9942	6	27	repaying	repay	VERB
easat-9942	6	28	credit	credit	NOUN
easat-9942	6	29	,	,	PUNCT
easat-9942	6	30	and	and	CCONJ
easat-9942	6	31	have	have	VERB
easat-9942	6	32	a	a	DET
easat-9942	6	33	good	good	ADJ
easat-9942	6	34	track	track	NOUN
easat-9942	6	35	record	record	NOUN
easat-9942	6	36	are	be	AUX
easat-9942	6	37	treated	treat	VERB
easat-9942	6	38	the	the	DET
easat-9942	6	39	same	same	ADJ
easat-9942	6	40	as	as	ADP
easat-9942	6	41	prospective	prospective	ADJ
easat-9942	6	42	debtors	debtor	NOUN
easat-9942	6	43	who	who	PRON
easat-9942	6	44	are	be	AUX
easat-9942	6	45	small	small	ADJ
easat-9942	6	46	companies	company	NOUN
easat-9942	6	47	with	with	ADP
easat-9942	6	48	bad	bad	ADJ
easat-9942	6	49	intentions	intention	NOUN
easat-9942	6	50	in	in	ADP
easat-9942	6	51	terms	term	NOUN
easat-9942	6	52	of	of	ADP
easat-9942	6	53	their	their	PRON
easat-9942	6	54	obligation	obligation	NOUN
easat-9942	6	55	to	to	PART
easat-9942	6	56	provide	provide	VERB
easat-9942	6	57	bank	bank	NOUN
easat-9942	6	58	credit	credit	NOUN
easat-9942	6	59	guarantees	guarantee	NOUN
easat-9942	6	60	.	.	PUNCT
easat-9942	7	1	the	the	DET
easat-9942	7	2	provision	provision	NOUN
easat-9942	7	3	of	of	ADP
easat-9942	7	4	bank	bank	NOUN
easat-9942	7	5	credit	credit	NOUN
easat-9942	7	6	collateral	collateral	NOUN
easat-9942	7	7	for	for	ADP
easat-9942	7	8	large	large	ADJ
easat-9942	7	9	companies	company	NOUN
easat-9942	7	10	with	with	ADP
easat-9942	7	11	good	good	ADJ
easat-9942	7	12	intentions	intention	NOUN
easat-9942	7	13	is	be	AUX
easat-9942	7	14	very	very	ADV
easat-9942	7	15	detrimental	detrimental	ADJ
easat-9942	7	16	,	,	PUNCT
easat-9942	7	17	reducing	reduce	VERB
easat-9942	7	18	competitiveness	competitiveness	NOUN
easat-9942	7	19	and	and	CCONJ
easat-9942	7	20	constituting	constitute	VERB
easat-9942	7	21	an	an	DET
easat-9942	7	22	unnecessary	unnecessary	ADJ
easat-9942	7	23	cost	cost	NOUN
easat-9942	7	24	.	.	PUNCT
easat-9942	8	1	the	the	DET
easat-9942	8	2	performance	performance	NOUN
easat-9942	8	3	guarantee	guarantee	NOUN
easat-9942	8	4	system	system	NOUN
easat-9942	8	5	was	be	AUX
easat-9942	8	6	developed	develop	VERB
easat-9942	8	7	from	from	ADP
easat-9942	8	8	the	the	DET
easat-9942	8	9	5	5	NUM
easat-9942	8	10	c	c	NOUN
easat-9942	8	11	analysis	analysis	NOUN
easat-9942	8	12	,	,	PUNCT
easat-9942	8	13	primarily	primarily	ADV
easat-9942	8	14	using	use	VERB
easat-9942	8	15	both	both	CCONJ
easat-9942	8	16	qualitative	qualitative	ADJ
easat-9942	8	17	and	and	CCONJ
easat-9942	8	18	quantitative	quantitative	ADJ
easat-9942	8	19	analysis	analysis	NOUN
easat-9942	8	20	techniques	technique	NOUN
easat-9942	8	21	.	.	PUNCT
easat-9942	9	1	in	in	ADP
easat-9942	9	2	the	the	DET
easat-9942	9	3	4	4	NUM
easat-9942	9	4	cs	cs	PROPN
easat-9942	9	5	(	(	PUNCT
easat-9942	9	6	capital	capital	NOUN
easat-9942	9	7	,	,	PUNCT
easat-9942	9	8	capacity	capacity	NOUN
easat-9942	9	9	,	,	PUNCT
easat-9942	9	10	character	character	NOUN
easat-9942	9	11	,	,	PUNCT
easat-9942	9	12	and	and	CCONJ
easat-9942	9	13	condition	condition	NOUN
easat-9942	9	14	of	of	ADP
easat-9942	9	15	economy	economy	NOUN
easat-9942	9	16	)	)	PUNCT
easat-9942	9	17	,	,	PUNCT
easat-9942	9	18	if	if	SCONJ
easat-9942	9	19	the	the	DET
easat-9942	9	20	quantitative	quantitative	ADJ
easat-9942	9	21	analysis	analysis	NOUN
easat-9942	9	22	is	be	AUX
easat-9942	9	23	feasible	feasible	ADJ
easat-9942	9	24	,	,	PUNCT
easat-9942	9	25	then	then	ADV
easat-9942	9	26	according	accord	VERB
easat-9942	9	27	to	to	ADP
easat-9942	9	28	this	this	DET
easat-9942	9	29	theory	theory	NOUN
easat-9942	9	30	,	,	PUNCT
easat-9942	9	31	collateral	collateral	NOUN
easat-9942	9	32	is	be	AUX
easat-9942	9	33	no	no	ADV
easat-9942	9	34	longer	long	ADV
easat-9942	9	35	necessary	necessary	ADJ
easat-9942	9	36	.	.	PUNCT
easat-9942	10	1	based	base	VERB
easat-9942	10	2	on	on	ADP
easat-9942	10	3	the	the	DET
easat-9942	10	4	credit	credit	NOUN
easat-9942	10	5	policy	policy	NOUN
easat-9942	10	6	established	establish	VERB
easat-9942	10	7	by	by	ADP
easat-9942	10	8	the	the	DET
easat-9942	10	9	ojk	ojk	NOUN
easat-9942	10	10	,	,	PUNCT
easat-9942	10	11	all	all	DET
easat-9942	10	12	bank	bank	NOUN
easat-9942	10	13	loans	loan	NOUN
easat-9942	10	14	must	must	AUX
easat-9942	10	15	be	be	AUX
easat-9942	10	16	secured	secure	VERB
easat-9942	10	17	,	,	PUNCT
easat-9942	10	18	so	so	SCONJ
easat-9942	10	19	this	this	DET
easat-9942	10	20	new	new	ADJ
easat-9942	10	21	guarantee	guarantee	NOUN
easat-9942	10	22	is	be	AUX
easat-9942	10	23	only	only	ADV
easat-9942	10	24	a	a	DET
easat-9942	10	25	performance	performance	NOUN
easat-9942	10	26	guarantee	guarantee	NOUN
easat-9942	10	27	because	because	SCONJ
easat-9942	10	28	,	,	PUNCT
easat-9942	10	29	based	base	VERB
easat-9942	10	30	on	on	ADP
easat-9942	10	31	in	in	ADP
easat-9942	10	32	-	-	PUNCT
easat-9942	10	33	depth	depth	NOUN
easat-9942	10	34	analysis	analysis	NOUN
easat-9942	10	35	,	,	PUNCT
easat-9942	10	36	it	it	PRON
easat-9942	10	37	is	be	AUX
easat-9942	10	38	estimated	estimate	VERB
easat-9942	10	39	that	that	SCONJ
easat-9942	10	40	the	the	DET
easat-9942	10	41	project	project	NOUN
easat-9942	10	42	will	will	AUX
easat-9942	10	43	run	run	VERB
easat-9942	10	44	smoothly	smoothly	ADV
easat-9942	10	45	.	.	PUNCT
easat-9942	11	1	according	accord	VERB
easat-9942	11	2	to	to	ADP
easat-9942	11	3	the	the	DET
easat-9942	11	4	performance	performance	NOUN
easat-9942	11	5	guarantee	guarantee	NOUN
easat-9942	11	6	system	system	NOUN
easat-9942	11	7	theory	theory	NOUN
easat-9942	11	8	,	,	PUNCT
easat-9942	11	9	the	the	DET
easat-9942	11	10	possibility	possibility	NOUN
easat-9942	11	11	of	of	ADP
easat-9942	11	12	loan	loan	NOUN
easat-9942	11	13	defaults	default	NOUN
easat-9942	11	14	is	be	AUX
easat-9942	11	15	small	small	ADJ
easat-9942	11	16	,	,	PUNCT
easat-9942	11	17	which	which	PRON
easat-9942	11	18	means	mean	VERB
easat-9942	11	19	that	that	SCONJ
easat-9942	11	20	the	the	DET
easat-9942	11	21	possibility	possibility	NOUN
easat-9942	11	22	of	of	ADP
easat-9942	11	23	the	the	DET
easat-9942	11	24	guarantee	guarantee	NOUN
easat-9942	11	25	being	be	AUX
easat-9942	11	26	auctioned	auction	VERB
easat-9942	11	27	is	be	AUX
easat-9942	11	28	also	also	ADV
easat-9942	11	29	small	small	ADJ
easat-9942	11	30	.	.	PUNCT
easat-9942	12	1	thus	thus	ADV
easat-9942	12	2	,	,	PUNCT
easat-9942	12	3	the	the	DET
easat-9942	12	4	object	object	NOUN
easat-9942	12	5	of	of	ADP
easat-9942	12	6	this	this	DET
easat-9942	12	7	guarantee	guarantee	NOUN
easat-9942	12	8	can	can	AUX
easat-9942	12	9	be	be	AUX
easat-9942	12	10	physically	physically	ADV
easat-9942	12	11	demonstrated	demonstrate	VERB
easat-9942	12	12	and	and	CCONJ
easat-9942	12	13	calculated	calculate	VERB
easat-9942	12	14	in	in	ADP
easat-9942	12	15	monetary	monetary	ADJ
easat-9942	12	16	terms	term	NOUN
easat-9942	12	17	.	.	PUNCT
easat-9942	13	1	keywords	keyword	NOUN
easat-9942	13	2	:	:	PUNCT
easat-9942	13	3	legal	legal	ADJ
easat-9942	13	4	management	management	NOUN
easat-9942	13	5	,	,	PUNCT
easat-9942	13	6	manual	manual	ADJ
easat-9942	13	7	system	system	NOUN
easat-9942	13	8	,	,	PUNCT
easat-9942	13	9	performance	performance	NOUN
easat-9942	13	10	collateral	collateral	NOUN
easat-9942	13	11	.	.	PUNCT
easat-9942	14	1	1	1	X
easat-9942	14	2	.	.	X
easat-9942	14	3	introduction	introduction	NOUN
easat-9942	14	4	in	in	ADP
easat-9942	14	5	banking	banking	NOUN
easat-9942	14	6	practice	practice	NOUN
easat-9942	14	7	in	in	ADP
easat-9942	14	8	indonesia	indonesia	PROPN
easat-9942	14	9	,	,	PUNCT
easat-9942	14	10	the	the	DET
easat-9942	14	11	current	current	ADJ
easat-9942	14	12	credit	credit	NOUN
easat-9942	14	13	guarantee	guarantee	NOUN
easat-9942	14	14	system	system	NOUN
easat-9942	14	15	still	still	ADV
easat-9942	14	16	refers	refer	VERB
easat-9942	14	17	to	to	ADP
easat-9942	14	18	a	a	DET
easat-9942	14	19	conventional	conventional	ADJ
easat-9942	14	20	paradigm	paradigm	NOUN
easat-9942	14	21	that	that	PRON
easat-9942	14	22	is	be	AUX
easat-9942	14	23	not	not	PART
easat-9942	14	24	entirely	entirely	ADV
easat-9942	14	25	relevant	relevant	ADJ
easat-9942	14	26	to	to	ADP
easat-9942	14	27	the	the	DET
easat-9942	14	28	dynamics	dynamic	NOUN
easat-9942	14	29	of	of	ADP
easat-9942	14	30	modern	modern	ADJ
easat-9942	14	31	business	business	NOUN
easat-9942	14	32	needs	need	NOUN
easat-9942	14	33	.	.	PUNCT
easat-9942	15	1	prospective	prospective	ADJ
easat-9942	15	2	debtors	debtor	NOUN
easat-9942	15	3	,	,	PUNCT
easat-9942	15	4	whether	whether	SCONJ
easat-9942	15	5	small	small	ADJ
easat-9942	15	6	or	or	CCONJ
easat-9942	15	7	large	large	ADJ
easat-9942	15	8	companies	company	NOUN
easat-9942	15	9	,	,	PUNCT
easat-9942	15	10	are	be	AUX
easat-9942	15	11	still	still	ADV
easat-9942	15	12	burdened	burden	VERB
easat-9942	15	13	with	with	ADP
easat-9942	15	14	collateral	collateral	ADJ
easat-9942	15	15	requirements	requirement	NOUN
easat-9942	15	16	even	even	ADV
easat-9942	15	17	though	though	SCONJ
easat-9942	15	18	they	they	PRON
easat-9942	15	19	have	have	AUX
easat-9942	15	20	proven	prove	VERB
easat-9942	15	21	to	to	PART
easat-9942	15	22	have	have	VERB
easat-9942	15	23	strong	strong	ADJ
easat-9942	15	24	business	business	NOUN
easat-9942	15	25	performance	performance	NOUN
easat-9942	15	26	and	and	CCONJ
easat-9942	15	27	a	a	DET
easat-9942	15	28	bona	bona	ADJ
easat-9942	15	29	fide	fide	ADJ
easat-9942	15	30	track	track	NOUN
easat-9942	15	31	record	record	NOUN
easat-9942	15	32	.	.	PUNCT
easat-9942	16	1	this	this	DET
easat-9942	16	2	equal	equal	ADJ
easat-9942	16	3	treatment	treatment	NOUN
easat-9942	16	4	is	be	AUX
easat-9942	16	5	considered	consider	VERB
easat-9942	16	6	unfair	unfair	ADJ
easat-9942	16	7	because	because	SCONJ
easat-9942	16	8	it	it	PRON
easat-9942	16	9	ignores	ignore	VERB
easat-9942	16	10	the	the	DET
easat-9942	16	11	principle	principle	NOUN
easat-9942	16	12	of	of	ADP
easat-9942	16	13	distributive	distributive	ADJ
easat-9942	16	14	justice	justice	NOUN
easat-9942	16	15	,	,	PUNCT
easat-9942	16	16	whereby	whereby	SCONJ
easat-9942	16	17	different	different	ADJ
easat-9942	16	18	entities	entity	NOUN
easat-9942	16	19	should	should	AUX
easat-9942	16	20	be	be	AUX
easat-9942	16	21	treated	treat	VERB
easat-9942	16	22	differently	differently	ADV
easat-9942	16	23	according	accord	VERB
easat-9942	16	24	to	to	ADP
easat-9942	16	25	their	their	PRON
easat-9942	16	26	capacity	capacity	NOUN
easat-9942	16	27	and	and	CCONJ
easat-9942	16	28	track	track	NOUN
easat-9942	16	29	record	record	NOUN
easat-9942	16	30	.	.	PUNCT
easat-9942	17	1	large	large	ADJ
easat-9942	17	2	companies	company	NOUN
easat-9942	17	3	that	that	PRON
easat-9942	17	4	have	have	AUX
easat-9942	17	5	proven	prove	VERB
easat-9942	17	6	their	their	PRON
easat-9942	17	7	ability	ability	NOUN
easat-9942	17	8	to	to	PART
easat-9942	17	9	repay	repay	VERB
easat-9942	17	10	their	their	PRON
easat-9942	17	11	credit	credit	NOUN
easat-9942	17	12	obligations	obligation	NOUN
easat-9942	17	13	still	still	ADV
easat-9942	17	14	have	have	VERB
easat-9942	17	15	to	to	PART
easat-9942	17	16	provide	provide	VERB
easat-9942	17	17	collateral	collateral	NOUN
easat-9942	17	18	,	,	PUNCT
easat-9942	17	19	which	which	PRON
easat-9942	17	20	should	should	AUX
easat-9942	17	21	no	no	ADV
easat-9942	17	22	longer	long	ADV
easat-9942	17	23	be	be	AUX
easat-9942	17	24	necessary	necessary	ADJ
easat-9942	17	25	if	if	SCONJ
easat-9942	17	26	risk	risk	NOUN
easat-9942	17	27	analysis	analysis	NOUN
easat-9942	17	28	is	be	AUX
easat-9942	17	29	carried	carry	VERB
easat-9942	17	30	out	out	ADP
easat-9942	17	31	properly	properly	ADV
easat-9942	17	32	.	.	PUNCT
easat-9942	18	1	this	this	PRON
easat-9942	18	2	reflects	reflect	VERB
easat-9942	18	3	a	a	DET
easat-9942	18	4	collateral	collateral	ADJ
easat-9942	18	5	system	system	NOUN
easat-9942	18	6	that	that	PRON
easat-9942	18	7	prioritizes	prioritize	VERB
easat-9942	18	8	legal	legal	ADJ
easat-9942	18	9	certainty	certainty	NOUN
easat-9942	18	10	for	for	ADP
easat-9942	18	11	banks	bank	NOUN
easat-9942	18	12	without	without	ADP
easat-9942	18	13	considering	consider	VERB
easat-9942	18	14	substantive	substantive	ADJ
easat-9942	18	15	fairness	fairness	NOUN
easat-9942	18	16	for	for	ADP
easat-9942	18	17	debtors	debtor	NOUN
easat-9942	18	18	[	[	X
easat-9942	18	19	1	1	NUM
easat-9942	18	20	]	]	PUNCT
easat-9942	18	21	.	.	PUNCT
easat-9942	19	1	this	this	DET
easat-9942	19	2	provision	provision	NOUN
easat-9942	19	3	has	have	VERB
easat-9942	19	4	an	an	DET
easat-9942	19	5	impact	impact	NOUN
easat-9942	19	6	on	on	ADP
easat-9942	19	7	increasing	increase	VERB
easat-9942	19	8	business	business	NOUN
easat-9942	19	9	costs	cost	NOUN
easat-9942	19	10	and	and	CCONJ
easat-9942	19	11	reducing	reduce	VERB
easat-9942	19	12	the	the	DET
easat-9942	19	13	competitiveness	competitiveness	NOUN
easat-9942	19	14	of	of	ADP
easat-9942	19	15	national	national	ADJ
easat-9942	19	16	companies	company	NOUN
easat-9942	19	17	.	.	PUNCT
easat-9942	20	1	therefore	therefore	ADV
easat-9942	20	2	,	,	PUNCT
easat-9942	20	3	reforming	reform	VERB
easat-9942	20	4	the	the	DET
easat-9942	20	5	legal	legal	ADJ
easat-9942	20	6	paradigm	paradigm	NOUN
easat-9942	20	7	of	of	ADP
easat-9942	20	8	bank	bank	NOUN
easat-9942	20	9	credit	credit	NOUN
easat-9942	20	10	collateral	collateral	NOUN
easat-9942	20	11	is	be	AUX
easat-9942	20	12	an	an	DET
easat-9942	20	13	urgent	urgent	ADJ
easat-9942	20	14	need	need	NOUN
easat-9942	20	15	.	.	PUNCT
easat-9942	21	1	collateral	collateral	NOUN
easat-9942	21	2	such	such	ADJ
easat-9942	21	3	as	as	ADP
easat-9942	21	4	land	land	NOUN
easat-9942	21	5	,	,	PUNCT
easat-9942	21	6	buildings	building	NOUN
easat-9942	21	7	,	,	PUNCT
easat-9942	21	8	and	and	CCONJ
easat-9942	21	9	vehicles	vehicle	NOUN
easat-9942	21	10	in	in	ADP
easat-9942	21	11	large	large	ADJ
easat-9942	21	12	projects	project	NOUN
easat-9942	21	13	has	have	AUX
easat-9942	21	14	proven	prove	VERB
easat-9942	21	15	to	to	PART
easat-9942	21	16	be	be	AUX
easat-9942	21	17	disproportionate	disproportionate	ADJ
easat-9942	21	18	in	in	ADP
easat-9942	21	19	terms	term	NOUN
easat-9942	21	20	of	of	ADP
easat-9942	21	21	value	value	NOUN
easat-9942	21	22	and	and	CCONJ
easat-9942	21	23	effectiveness	effectiveness	NOUN
easat-9942	21	24	of	of	ADP
easat-9942	21	25	execution	execution	NOUN
easat-9942	21	26	.	.	PUNCT
easat-9942	22	1	large	large	ADJ
easat-9942	22	2	infrastructure	infrastructure	NOUN
easat-9942	22	3	projects	project	NOUN
easat-9942	22	4	in	in	ADP
easat-9942	22	5	indonesia	indonesia	PROPN
easat-9942	22	6	,	,	PUNCT
easat-9942	22	7	such	such	ADJ
easat-9942	22	8	as	as	ADP
easat-9942	22	9	toll	toll	NOUN
easat-9942	22	10	road	road	NOUN
easat-9942	22	11	projects	project	NOUN
easat-9942	22	12	,	,	PUNCT
easat-9942	22	13	experience	experience	NOUN
easat-9942	22	14	fluctuations	fluctuation	NOUN
easat-9942	22	15	in	in	ADP
easat-9942	22	16	value	value	NOUN
easat-9942	22	17	due	due	ADP
easat-9942	22	18	to	to	ADP
easat-9942	22	19	the	the	DET
easat-9942	22	20	dynamics	dynamic	NOUN
easat-9942	22	21	of	of	ADP
easat-9942	22	22	material	material	NOUN
easat-9942	22	23	and	and	CCONJ
easat-9942	22	24	land	land	NOUN
easat-9942	22	25	prices	price	NOUN
easat-9942	22	26	,	,	PUNCT
easat-9942	22	27	which	which	PRON
easat-9942	22	28	render	render	VERB
easat-9942	22	29	collateral	collateral	NOUN
easat-9942	22	30	irrelevant	irrelevant	ADJ
easat-9942	23	1	[	[	X
easat-9942	23	2	2	2	NUM
easat-9942	23	3	]	]	PUNCT
easat-9942	23	4	.	.	PUNCT
easat-9942	24	1	in	in	ADP
easat-9942	24	2	fact	fact	NOUN
easat-9942	24	3	,	,	PUNCT
easat-9942	24	4	these	these	DET
easat-9942	24	5	changes	change	NOUN
easat-9942	24	6	often	often	ADV
easat-9942	24	7	require	require	VERB
easat-9942	24	8	complex	complex	ADJ
easat-9942	24	9	and	and	CCONJ
easat-9942	24	10	time	time	NOUN
easat-9942	24	11	-	-	PUNCT
easat-9942	24	12	consuming	consume	VERB
easat-9942	24	13	revisions	revision	NOUN
easat-9942	24	14	to	to	ADP
easat-9942	24	15	credit	credit	NOUN
easat-9942	24	16	and	and	CCONJ
easat-9942	24	17	collateral	collateral	ADJ
easat-9942	24	18	agreements	agreement	NOUN
easat-9942	24	19	,	,	PUNCT
easat-9942	24	20	which	which	PRON
easat-9942	24	21	are	be	AUX
easat-9942	24	22	costly	costly	ADJ
easat-9942	24	23	.	.	PUNCT
easat-9942	25	1	in	in	ADP
easat-9942	25	2	addition	addition	NOUN
easat-9942	25	3	,	,	PUNCT
easat-9942	25	4	risks	risk	NOUN
easat-9942	25	5	to	to	ADP
easat-9942	25	6	collateral	collateral	ADJ
easat-9942	25	7	objects	object	NOUN
easat-9942	25	8	,	,	PUNCT
easat-9942	25	9	such	such	ADJ
easat-9942	25	10	as	as	ADP
easat-9942	25	11	damage	damage	NOUN
easat-9942	25	12	due	due	ADP
easat-9942	25	13	to	to	ADP
easat-9942	25	14	natural	natural	ADJ
easat-9942	25	15	disasters	disaster	NOUN
easat-9942	25	16	or	or	CCONJ
easat-9942	25	17	social	social	ADJ
easat-9942	25	18	unrest	unrest	NOUN
easat-9942	25	19	,	,	PUNCT
easat-9942	25	20	add	add	VERB
easat-9942	25	21	to	to	ADP
easat-9942	25	22	the	the	DET
easat-9942	25	23	challenges	challenge	NOUN
easat-9942	25	24	in	in	ADP
easat-9942	25	25	the	the	DET
easat-9942	25	26	use	use	NOUN
easat-9942	25	27	of	of	ADP
easat-9942	25	28	collateral	collateral	NOUN
easat-9942	25	29	[	[	X
easat-9942	25	30	3	3	NUM
easat-9942	25	31	]	]	PUNCT
easat-9942	25	32	.	.	PUNCT
easat-9942	26	1	national	national	ADJ
easat-9942	26	2	strategic	strategic	ADJ
easat-9942	26	3	projects	project	NOUN
easat-9942	26	4	are	be	AUX
easat-9942	26	5	also	also	ADV
easat-9942	26	6	often	often	ADV
easat-9942	26	7	disrupted	disrupt	VERB
easat-9942	26	8	by	by	ADP
easat-9942	26	9	sociopolitical	sociopolitical	ADJ
easat-9942	26	10	dynamics	dynamic	NOUN
easat-9942	26	11	that	that	PRON
easat-9942	26	12	affect	affect	VERB
easat-9942	26	13	the	the	DET
easat-9942	26	14	security	security	NOUN
easat-9942	26	15	and	and	CCONJ
easat-9942	26	16	value	value	NOUN
easat-9942	26	17	of	of	ADP
easat-9942	26	18	collateral	collateral	NOUN
easat-9942	26	19	.	.	PUNCT
easat-9942	27	1	the	the	DET
easat-9942	27	2	long	long	ADJ
easat-9942	27	3	duration	duration	NOUN
easat-9942	27	4	of	of	ADP
easat-9942	27	5	projects	project	NOUN
easat-9942	27	6	causes	cause	VERB
easat-9942	27	7	collateral	collateral	NOUN
easat-9942	27	8	to	to	PART
easat-9942	27	9	depreciate	depreciate	VERB
easat-9942	27	10	or	or	CCONJ
easat-9942	27	11	change	change	VERB
easat-9942	27	12	in	in	ADP
easat-9942	27	13	purpose	purpose	NOUN
easat-9942	27	14	,	,	PUNCT
easat-9942	27	15	making	make	VERB
easat-9942	27	16	execution	execution	NOUN
easat-9942	27	17	difficult	difficult	ADJ
easat-9942	27	18	.	.	PUNCT
easat-9942	28	1	in	in	ADP
easat-9942	28	2	this	this	DET
easat-9942	28	3	context	context	NOUN
easat-9942	28	4	,	,	PUNCT
easat-9942	28	5	the	the	DET
easat-9942	28	6	performance	performance	NOUN
easat-9942	28	7	guarantee	guarantee	NOUN
easat-9942	28	8	approach	approach	NOUN
easat-9942	28	9	is	be	AUX
easat-9942	28	10	a	a	DET
easat-9942	28	11	relevant	relevant	ADJ
easat-9942	28	12	762	762	NUM
easat-9942	28	13	edelweiss	edelweiss	NOUN
easat-9942	28	14	applied	apply	VERB
easat-9942	28	15	science	science	NOUN
easat-9942	28	16	and	and	CCONJ
easat-9942	28	17	technology	technology	NOUN
easat-9942	28	18	issn	issn	PROPN
easat-9942	28	19	:	:	PUNCT
easat-9942	28	20	2576	2576	NUM
easat-9942	28	21	-	-	SYM
easat-9942	28	22	8484	8484	NUM
easat-9942	28	23	vol	vol	NOUN
easat-9942	28	24	.	.	PROPN
easat-9942	29	1	9	9	NUM
easat-9942	29	2	,	,	PUNCT
easat-9942	29	3	no	no	INTJ
easat-9942	29	4	.	.	NOUN
easat-9942	29	5	9	9	NUM
easat-9942	29	6	:	:	PUNCT
easat-9942	29	7	761	761	NUM
easat-9942	29	8	-	-	SYM
easat-9942	29	9	773	773	NUM
easat-9942	29	10	,	,	PUNCT
easat-9942	29	11	2025	2025	NUM
easat-9942	29	12	doi	doi	NOUN
easat-9942	29	13	:	:	PUNCT
easat-9942	29	14	10.55214/2576	10.55214/2576	NUM
easat-9942	29	15	-	-	PUNCT
easat-9942	29	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	29	17	©	©	ADP
easat-9942	29	18	2025	2025	NUM
easat-9942	29	19	by	by	ADP
easat-9942	29	20	the	the	DET
easat-9942	29	21	authors	author	NOUN
easat-9942	29	22	;	;	PUNCT
easat-9942	29	23	licensee	licensee	PROPN
easat-9942	29	24	learning	learning	NOUN
easat-9942	29	25	gate	gate	NOUN
easat-9942	29	26	solution	solution	NOUN
easat-9942	29	27	because	because	SCONJ
easat-9942	29	28	it	it	PRON
easat-9942	29	29	focuses	focus	VERB
easat-9942	29	30	on	on	ADP
easat-9942	29	31	the	the	DET
easat-9942	29	32	feasibility	feasibility	NOUN
easat-9942	29	33	of	of	ADP
easat-9942	29	34	the	the	DET
easat-9942	29	35	business	business	NOUN
easat-9942	29	36	and	and	CCONJ
easat-9942	29	37	the	the	DET
easat-9942	29	38	sustainability	sustainability	NOUN
easat-9942	29	39	of	of	ADP
easat-9942	29	40	the	the	DET
easat-9942	29	41	debtor	debtor	NOUN
easat-9942	29	42	's	's	PART
easat-9942	29	43	business	business	NOUN
easat-9942	29	44	.	.	PUNCT
easat-9942	30	1	performance	performance	NOUN
easat-9942	30	2	collateral	collateral	NOUN
easat-9942	30	3	is	be	AUX
easat-9942	30	4	a	a	DET
easat-9942	30	5	new	new	ADJ
easat-9942	30	6	approach	approach	NOUN
easat-9942	30	7	based	base	VERB
easat-9942	30	8	on	on	ADP
easat-9942	30	9	modern	modern	ADJ
easat-9942	30	10	risk	risk	NOUN
easat-9942	30	11	management	management	NOUN
easat-9942	30	12	principles	principle	NOUN
easat-9942	30	13	and	and	CCONJ
easat-9942	30	14	in	in	ADP
easat-9942	30	15	-	-	PUNCT
easat-9942	30	16	depth	depth	NOUN
easat-9942	30	17	analysis	analysis	NOUN
easat-9942	30	18	of	of	ADP
easat-9942	30	19	the	the	DET
easat-9942	30	20	five	five	NUM
easat-9942	30	21	main	main	ADJ
easat-9942	30	22	aspects	aspect	NOUN
easat-9942	30	23	of	of	ADP
easat-9942	30	24	credit	credit	NOUN
easat-9942	30	25	granting	granting	NOUN
easat-9942	30	26	,	,	PUNCT
easat-9942	30	27	namely	namely	ADV
easat-9942	30	28	character	character	NOUN
easat-9942	30	29	,	,	PUNCT
easat-9942	30	30	capacity	capacity	NOUN
easat-9942	30	31	,	,	PUNCT
easat-9942	30	32	capital	capital	NOUN
easat-9942	30	33	,	,	PUNCT
easat-9942	30	34	business	business	NOUN
easat-9942	30	35	conditions	condition	NOUN
easat-9942	30	36	,	,	PUNCT
easat-9942	30	37	and	and	CCONJ
easat-9942	30	38	collateral	collateral	NOUN
easat-9942	30	39	(	(	PUNCT
easat-9942	30	40	5cs	5cs	NOUN
easat-9942	30	41	)	)	PUNCT
easat-9942	30	42	.	.	PUNCT
easat-9942	31	1	this	this	DET
easat-9942	31	2	analysis	analysis	NOUN
easat-9942	31	3	is	be	AUX
easat-9942	31	4	not	not	PART
easat-9942	31	5	only	only	ADV
easat-9942	31	6	quantitative	quantitative	ADJ
easat-9942	31	7	but	but	CCONJ
easat-9942	31	8	also	also	ADV
easat-9942	31	9	qualitative	qualitative	VERB
easat-9942	31	10	,	,	PUNCT
easat-9942	31	11	providing	provide	VERB
easat-9942	31	12	banks	bank	NOUN
easat-9942	31	13	with	with	ADP
easat-9942	31	14	objective	objective	ADJ
easat-9942	31	15	confidence	confidence	NOUN
easat-9942	31	16	regarding	regard	VERB
easat-9942	31	17	the	the	DET
easat-9942	31	18	potential	potential	ADJ
easat-9942	31	19	success	success	NOUN
easat-9942	31	20	of	of	ADP
easat-9942	31	21	the	the	DET
easat-9942	31	22	funded	fund	VERB
easat-9942	31	23	project	project	NOUN
easat-9942	31	24	[	[	X
easat-9942	31	25	4	4	NUM
easat-9942	31	26	]	]	PUNCT
easat-9942	31	27	.	.	PUNCT
easat-9942	32	1	when	when	SCONJ
easat-9942	32	2	the	the	DET
easat-9942	32	3	4c	4c	NUM
easat-9942	32	4	aspects	aspect	NOUN
easat-9942	32	5	other	other	ADJ
easat-9942	32	6	than	than	ADP
easat-9942	32	7	collateral	collateral	NOUN
easat-9942	32	8	have	have	AUX
easat-9942	32	9	been	be	AUX
easat-9942	32	10	met	meet	VERB
easat-9942	32	11	,	,	PUNCT
easat-9942	32	12	then	then	ADV
easat-9942	32	13	basically	basically	ADV
easat-9942	32	14	collateral	collateral	NOUN
easat-9942	32	15	is	be	AUX
easat-9942	32	16	no	no	ADV
easat-9942	32	17	longer	long	ADV
easat-9942	32	18	needed	need	VERB
easat-9942	32	19	.	.	PUNCT
easat-9942	33	1	in	in	ADP
easat-9942	33	2	practice	practice	NOUN
easat-9942	33	3	,	,	PUNCT
easat-9942	33	4	many	many	ADJ
easat-9942	33	5	banks	bank	NOUN
easat-9942	33	6	such	such	ADJ
easat-9942	33	7	as	as	ADP
easat-9942	33	8	bank	bank	NOUN
easat-9942	33	9	mandiri	mandiri	NOUN
easat-9942	33	10	and	and	CCONJ
easat-9942	33	11	bank	bank	NOUN
easat-9942	33	12	panin	panin	PROPN
easat-9942	33	13	have	have	AUX
easat-9942	33	14	begun	begin	VERB
easat-9942	33	15	to	to	PART
easat-9942	33	16	consider	consider	VERB
easat-9942	33	17	performance	performance	NOUN
easat-9942	33	18	aspects	aspect	NOUN
easat-9942	33	19	such	such	ADJ
easat-9942	33	20	as	as	ADP
easat-9942	33	21	turnover	turnover	NOUN
easat-9942	33	22	and	and	CCONJ
easat-9942	33	23	business	business	NOUN
easat-9942	33	24	track	track	NOUN
easat-9942	33	25	record	record	NOUN
easat-9942	33	26	,	,	PUNCT
easat-9942	33	27	although	although	SCONJ
easat-9942	33	28	they	they	PRON
easat-9942	33	29	have	have	AUX
easat-9942	33	30	not	not	PART
easat-9942	33	31	completely	completely	ADV
easat-9942	33	32	abandoned	abandon	VERB
easat-9942	33	33	collateral	collateral	NOUN
easat-9942	33	34	[	[	X
easat-9942	33	35	5	5	NUM
easat-9942	33	36	]	]	PUNCT
easat-9942	33	37	.	.	PUNCT
easat-9942	34	1	this	this	PRON
easat-9942	34	2	shows	show	VERB
easat-9942	34	3	that	that	SCONJ
easat-9942	34	4	the	the	DET
easat-9942	34	5	idea	idea	NOUN
easat-9942	34	6	of	of	ADP
easat-9942	34	7	performance	performance	NOUN
easat-9942	34	8	guarantees	guarantee	NOUN
easat-9942	34	9	has	have	AUX
easat-9942	34	10	gained	gain	VERB
easat-9942	34	11	ground	ground	NOUN
easat-9942	34	12	in	in	ADP
easat-9942	34	13	practice	practice	NOUN
easat-9942	34	14	,	,	PUNCT
easat-9942	34	15	even	even	ADV
easat-9942	34	16	though	though	SCONJ
easat-9942	34	17	it	it	PRON
easat-9942	34	18	does	do	AUX
easat-9942	34	19	not	not	PART
easat-9942	34	20	yet	yet	ADV
easat-9942	34	21	have	have	VERB
easat-9942	34	22	a	a	DET
easat-9942	34	23	clear	clear	ADJ
easat-9942	34	24	regulatory	regulatory	ADJ
easat-9942	34	25	basis	basis	NOUN
easat-9942	34	26	.	.	PUNCT
easat-9942	35	1	therefore	therefore	ADV
easat-9942	35	2	,	,	PUNCT
easat-9942	35	3	more	more	ADV
easat-9942	35	4	adaptive	adaptive	ADJ
easat-9942	35	5	and	and	CCONJ
easat-9942	35	6	progressive	progressive	ADJ
easat-9942	35	7	regulations	regulation	NOUN
easat-9942	35	8	are	be	AUX
easat-9942	35	9	needed	need	VERB
easat-9942	35	10	to	to	PART
easat-9942	35	11	legitimize	legitimize	VERB
easat-9942	35	12	the	the	DET
easat-9942	35	13	performance	performance	NOUN
easat-9942	35	14	approach	approach	NOUN
easat-9942	35	15	.	.	PUNCT
easat-9942	36	1	the	the	DET
easat-9942	36	2	success	success	NOUN
easat-9942	36	3	of	of	ADP
easat-9942	36	4	this	this	DET
easat-9942	36	5	paradigm	paradigm	NOUN
easat-9942	36	6	depends	depend	VERB
easat-9942	36	7	heavily	heavily	ADV
easat-9942	36	8	on	on	ADP
easat-9942	36	9	the	the	DET
easat-9942	36	10	courage	courage	NOUN
easat-9942	36	11	of	of	ADP
easat-9942	36	12	regulators	regulator	NOUN
easat-9942	36	13	and	and	CCONJ
easat-9942	36	14	industry	industry	NOUN
easat-9942	36	15	players	player	NOUN
easat-9942	36	16	to	to	PART
easat-9942	36	17	carry	carry	VERB
easat-9942	36	18	out	out	ADP
easat-9942	36	19	systemic	systemic	ADJ
easat-9942	36	20	transformation	transformation	NOUN
easat-9942	36	21	.	.	PUNCT
easat-9942	37	1	philosophically	philosophically	ADV
easat-9942	37	2	,	,	PUNCT
easat-9942	37	3	the	the	DET
easat-9942	37	4	performance	performance	NOUN
easat-9942	37	5	guarantee	guarantee	NOUN
easat-9942	37	6	system	system	NOUN
easat-9942	37	7	is	be	AUX
easat-9942	37	8	in	in	ADP
easat-9942	37	9	line	line	NOUN
easat-9942	37	10	with	with	ADP
easat-9942	37	11	aristotle	aristotle	PROPN
easat-9942	37	12	's	's	PART
easat-9942	37	13	principle	principle	NOUN
easat-9942	37	14	of	of	ADP
easat-9942	37	15	justice	justice	NOUN
easat-9942	37	16	,	,	PUNCT
easat-9942	37	17	which	which	PRON
easat-9942	37	18	emphasizes	emphasize	VERB
easat-9942	37	19	different	different	ADJ
easat-9942	37	20	treatment	treatment	NOUN
easat-9942	37	21	for	for	ADP
easat-9942	37	22	legal	legal	ADJ
easat-9942	37	23	subjects	subject	NOUN
easat-9942	37	24	with	with	ADP
easat-9942	37	25	different	different	ADJ
easat-9942	37	26	capacities	capacity	NOUN
easat-9942	37	27	and	and	CCONJ
easat-9942	37	28	conditions	condition	NOUN
easat-9942	37	29	[	[	X
easat-9942	37	30	6	6	NUM
easat-9942	37	31	]	]	PUNCT
easat-9942	37	32	.	.	PUNCT
easat-9942	38	1	bonafide	bonafide	ADJ
easat-9942	38	2	debtors	debtor	NOUN
easat-9942	38	3	with	with	ADP
easat-9942	38	4	good	good	ADJ
easat-9942	38	5	track	track	NOUN
easat-9942	38	6	records	record	NOUN
easat-9942	38	7	should	should	AUX
easat-9942	38	8	not	not	PART
easat-9942	38	9	be	be	AUX
easat-9942	38	10	burdened	burden	VERB
easat-9942	38	11	with	with	ADP
easat-9942	38	12	heavy	heavy	ADJ
easat-9942	38	13	collateral	collateral	ADJ
easat-9942	38	14	requirements	requirement	NOUN
easat-9942	38	15	that	that	PRON
easat-9942	38	16	are	be	AUX
easat-9942	38	17	irrelevant	irrelevant	ADJ
easat-9942	38	18	to	to	ADP
easat-9942	38	19	their	their	PRON
easat-9942	38	20	business	business	NOUN
easat-9942	38	21	conditions	condition	NOUN
easat-9942	38	22	.	.	PUNCT
easat-9942	39	1	conversely	conversely	ADV
easat-9942	39	2	,	,	PUNCT
easat-9942	39	3	new	new	ADJ
easat-9942	39	4	companies	company	NOUN
easat-9942	39	5	that	that	PRON
easat-9942	39	6	do	do	AUX
easat-9942	39	7	not	not	PART
easat-9942	39	8	yet	yet	ADV
easat-9942	39	9	have	have	VERB
easat-9942	39	10	strong	strong	ADJ
easat-9942	39	11	credibility	credibility	NOUN
easat-9942	39	12	need	need	VERB
easat-9942	39	13	to	to	PART
easat-9942	39	14	be	be	AUX
easat-9942	39	15	subject	subject	ADJ
easat-9942	39	16	to	to	ADP
easat-9942	39	17	stricter	strict	ADJ
easat-9942	39	18	supervision	supervision	NOUN
easat-9942	39	19	through	through	ADP
easat-9942	39	20	conventional	conventional	ADJ
easat-9942	39	21	guarantees	guarantee	NOUN
easat-9942	39	22	.	.	PUNCT
easat-9942	40	1	this	this	PRON
easat-9942	40	2	shows	show	VERB
easat-9942	40	3	that	that	SCONJ
easat-9942	40	4	the	the	DET
easat-9942	40	5	performance	performance	NOUN
easat-9942	40	6	guarantee	guarantee	NOUN
easat-9942	40	7	system	system	NOUN
easat-9942	40	8	is	be	AUX
easat-9942	40	9	a	a	DET
easat-9942	40	10	hybrid	hybrid	ADJ
easat-9942	40	11	approach	approach	NOUN
easat-9942	40	12	that	that	PRON
easat-9942	40	13	balances	balance	VERB
easat-9942	40	14	normative	normative	ADJ
easat-9942	40	15	and	and	CCONJ
easat-9942	40	16	business	business	NOUN
easat-9942	40	17	considerations	consideration	NOUN
easat-9942	40	18	.	.	PUNCT
easat-9942	41	1	in	in	ADP
easat-9942	41	2	addition	addition	NOUN
easat-9942	41	3	,	,	PUNCT
easat-9942	41	4	this	this	DET
easat-9942	41	5	approach	approach	NOUN
easat-9942	41	6	creates	create	VERB
easat-9942	41	7	incentives	incentive	NOUN
easat-9942	41	8	for	for	SCONJ
easat-9942	41	9	companies	company	NOUN
easat-9942	41	10	to	to	PART
easat-9942	41	11	continuously	continuously	ADV
easat-9942	41	12	improve	improve	VERB
easat-9942	41	13	their	their	PRON
easat-9942	41	14	performance	performance	NOUN
easat-9942	41	15	in	in	ADP
easat-9942	41	16	order	order	NOUN
easat-9942	41	17	to	to	PART
easat-9942	41	18	obtain	obtain	VERB
easat-9942	41	19	lighter	light	ADJ
easat-9942	41	20	financing	financing	NOUN
easat-9942	41	21	facilities	facility	NOUN
easat-9942	41	22	.	.	PUNCT
easat-9942	42	1	this	this	DET
easat-9942	42	2	strategy	strategy	NOUN
easat-9942	42	3	is	be	AUX
easat-9942	42	4	not	not	PART
easat-9942	42	5	only	only	ADV
easat-9942	42	6	cost	cost	NOUN
easat-9942	42	7	-	-	PUNCT
easat-9942	42	8	efficient	efficient	ADJ
easat-9942	42	9	,	,	PUNCT
easat-9942	42	10	but	but	CCONJ
easat-9942	42	11	also	also	ADV
easat-9942	42	12	strengthens	strengthen	VERB
easat-9942	42	13	a	a	DET
easat-9942	42	14	healthy	healthy	ADJ
easat-9942	42	15	and	and	CCONJ
easat-9942	42	16	accountable	accountable	ADJ
easat-9942	42	17	business	business	NOUN
easat-9942	42	18	culture	culture	NOUN
easat-9942	42	19	.	.	PUNCT
easat-9942	43	1	in	in	ADP
easat-9942	43	2	the	the	DET
easat-9942	43	3	long	long	ADJ
easat-9942	43	4	term	term	NOUN
easat-9942	43	5	,	,	PUNCT
easat-9942	43	6	this	this	DET
easat-9942	43	7	system	system	NOUN
easat-9942	43	8	has	have	VERB
easat-9942	43	9	great	great	ADJ
easat-9942	43	10	potential	potential	NOUN
easat-9942	43	11	to	to	PART
easat-9942	43	12	increase	increase	VERB
easat-9942	43	13	the	the	DET
easat-9942	43	14	competitiveness	competitiveness	NOUN
easat-9942	43	15	of	of	ADP
easat-9942	43	16	national	national	ADJ
easat-9942	43	17	companies	company	NOUN
easat-9942	43	18	.	.	PUNCT
easat-9942	44	1	the	the	DET
easat-9942	44	2	current	current	ADJ
easat-9942	44	3	legal	legal	ADJ
easat-9942	44	4	problem	problem	NOUN
easat-9942	44	5	is	be	AUX
easat-9942	44	6	the	the	DET
easat-9942	44	7	absence	absence	NOUN
easat-9942	44	8	of	of	ADP
easat-9942	44	9	explicit	explicit	ADJ
easat-9942	44	10	regulations	regulation	NOUN
easat-9942	44	11	regarding	regard	VERB
easat-9942	44	12	the	the	DET
easat-9942	44	13	performance	performance	NOUN
easat-9942	44	14	guarantee	guarantee	NOUN
easat-9942	44	15	system	system	NOUN
easat-9942	44	16	in	in	ADP
easat-9942	44	17	national	national	ADJ
easat-9942	44	18	banking	banking	NOUN
easat-9942	44	19	regulations	regulation	NOUN
easat-9942	44	20	.	.	PUNCT
easat-9942	45	1	law	law	NOUN
easat-9942	45	2	no	no	INTJ
easat-9942	45	3	.	.	NOUN
easat-9942	45	4	7	7	NUM
easat-9942	45	5	of	of	ADP
easat-9942	45	6	1992	1992	NUM
easat-9942	45	7	concerning	concern	VERB
easat-9942	45	8	banking	banking	NOUN
easat-9942	45	9	,	,	PUNCT
easat-9942	45	10	even	even	ADV
easat-9942	45	11	after	after	ADP
easat-9942	45	12	the	the	DET
easat-9942	45	13	latest	late	ADJ
easat-9942	45	14	revision	revision	NOUN
easat-9942	45	15	in	in	ADP
easat-9942	45	16	law	law	NOUN
easat-9942	45	17	no	no	NOUN
easat-9942	45	18	.	.	NOUN
easat-9942	45	19	4	4	NUM
easat-9942	45	20	of	of	ADP
easat-9942	45	21	2023	2023	NUM
easat-9942	45	22	,	,	PUNCT
easat-9942	45	23	still	still	ADV
easat-9942	45	24	adopts	adopt	VERB
easat-9942	45	25	the	the	DET
easat-9942	45	26	traditional	traditional	ADJ
easat-9942	45	27	guarantee	guarantee	NOUN
easat-9942	45	28	paradigm	paradigm	NOUN
easat-9942	45	29	[	[	X
easat-9942	45	30	7	7	NUM
easat-9942	45	31	]	]	PUNCT
easat-9942	45	32	.	.	PUNCT
easat-9942	46	1	in	in	ADP
easat-9942	46	2	fact	fact	NOUN
easat-9942	46	3	,	,	PUNCT
easat-9942	46	4	countries	country	NOUN
easat-9942	46	5	such	such	ADJ
easat-9942	46	6	as	as	ADP
easat-9942	46	7	malaysia	malaysia	PROPN
easat-9942	46	8	and	and	CCONJ
easat-9942	46	9	singapore	singapore	PROPN
easat-9942	46	10	have	have	AUX
easat-9942	46	11	adopted	adopt	VERB
easat-9942	46	12	a	a	DET
easat-9942	46	13	credit	credit	NOUN
easat-9942	46	14	risk	risk	NOUN
easat-9942	46	15	management	management	NOUN
easat-9942	46	16	system	system	NOUN
easat-9942	46	17	that	that	PRON
easat-9942	46	18	is	be	AUX
easat-9942	46	19	oriented	orient	VERB
easat-9942	46	20	towards	towards	ADP
easat-9942	46	21	business	business	NOUN
easat-9942	46	22	performance	performance	NOUN
easat-9942	46	23	,	,	PUNCT
easat-9942	46	24	not	not	PART
easat-9942	46	25	merely	merely	ADV
easat-9942	46	26	collateral	collateral	ADJ
easat-9942	46	27	value	value	NOUN
easat-9942	46	28	.	.	PUNCT
easat-9942	47	1	this	this	PRON
easat-9942	47	2	has	have	AUX
easat-9942	47	3	caused	cause	VERB
easat-9942	47	4	indonesia	indonesia	PROPN
easat-9942	47	5	to	to	PART
easat-9942	47	6	lag	lag	VERB
easat-9942	47	7	behind	behind	ADV
easat-9942	47	8	and	and	CCONJ
easat-9942	47	9	become	become	VERB
easat-9942	47	10	less	less	ADV
easat-9942	47	11	competitive	competitive	ADJ
easat-9942	47	12	in	in	ADP
easat-9942	47	13	the	the	DET
easat-9942	47	14	regional	regional	ADJ
easat-9942	47	15	aec	aec	PROPN
easat-9942	47	16	competition	competition	NOUN
easat-9942	47	17	framework	framework	NOUN
easat-9942	47	18	.	.	PUNCT
easat-9942	48	1	as	as	ADP
easat-9942	48	2	a	a	DET
easat-9942	48	3	result	result	NOUN
easat-9942	48	4	,	,	PUNCT
easat-9942	48	5	national	national	ADJ
easat-9942	48	6	companies	company	NOUN
easat-9942	48	7	face	face	VERB
easat-9942	48	8	administrative	administrative	ADJ
easat-9942	48	9	and	and	CCONJ
easat-9942	48	10	financing	financing	NOUN
easat-9942	48	11	burdens	burden	NOUN
easat-9942	48	12	that	that	PRON
easat-9942	48	13	are	be	AUX
easat-9942	48	14	disproportionate	disproportionate	ADJ
easat-9942	48	15	to	to	ADP
easat-9942	48	16	their	their	PRON
easat-9942	48	17	actual	actual	ADJ
easat-9942	48	18	risks	risk	NOUN
easat-9942	48	19	.	.	PUNCT
easat-9942	49	1	therefore	therefore	ADV
easat-9942	49	2	,	,	PUNCT
easat-9942	49	3	the	the	DET
easat-9942	49	4	recognition	recognition	NOUN
easat-9942	49	5	and	and	CCONJ
easat-9942	49	6	legalization	legalization	NOUN
easat-9942	49	7	of	of	ADP
easat-9942	49	8	performance	performance	NOUN
easat-9942	49	9	guarantee	guarantee	NOUN
easat-9942	49	10	systems	system	NOUN
easat-9942	49	11	by	by	ADP
easat-9942	49	12	authorities	authority	NOUN
easat-9942	49	13	such	such	ADJ
easat-9942	49	14	as	as	ADP
easat-9942	49	15	the	the	DET
easat-9942	49	16	ojk	ojk	NOUN
easat-9942	49	17	is	be	AUX
easat-9942	49	18	very	very	ADV
easat-9942	49	19	important	important	ADJ
easat-9942	49	20	.	.	PUNCT
easat-9942	50	1	this	this	DET
easat-9942	50	2	step	step	NOUN
easat-9942	50	3	not	not	PART
easat-9942	50	4	only	only	ADV
easat-9942	50	5	aligns	align	VERB
easat-9942	50	6	regulations	regulation	NOUN
easat-9942	50	7	with	with	ADP
easat-9942	50	8	modern	modern	ADJ
easat-9942	50	9	banking	banking	NOUN
easat-9942	50	10	practices	practice	NOUN
easat-9942	50	11	but	but	CCONJ
easat-9942	50	12	also	also	ADV
easat-9942	50	13	encourages	encourage	VERB
easat-9942	50	14	the	the	DET
easat-9942	50	15	creation	creation	NOUN
easat-9942	50	16	of	of	ADP
easat-9942	50	17	a	a	DET
easat-9942	50	18	more	more	ADV
easat-9942	50	19	equitable	equitable	ADJ
easat-9942	50	20	and	and	CCONJ
easat-9942	50	21	efficient	efficient	ADJ
easat-9942	50	22	financing	financing	NOUN
easat-9942	50	23	model	model	NOUN
easat-9942	50	24	.	.	PUNCT
easat-9942	51	1	progressive	progressive	ADJ
easat-9942	51	2	regulations	regulation	NOUN
easat-9942	51	3	will	will	AUX
easat-9942	51	4	support	support	VERB
easat-9942	51	5	inclusive	inclusive	ADJ
easat-9942	51	6	financing	financing	NOUN
easat-9942	51	7	that	that	PRON
easat-9942	51	8	favors	favor	VERB
easat-9942	51	9	business	business	NOUN
easat-9942	51	10	sustainability	sustainability	NOUN
easat-9942	51	11	.	.	PUNCT
easat-9942	52	1	from	from	ADP
easat-9942	52	2	a	a	DET
easat-9942	52	3	macroeconomic	macroeconomic	ADJ
easat-9942	52	4	perspective	perspective	NOUN
easat-9942	52	5	,	,	PUNCT
easat-9942	52	6	performance	performance	NOUN
easat-9942	52	7	guarantee	guarantee	NOUN
easat-9942	52	8	systems	system	NOUN
easat-9942	52	9	can	can	AUX
easat-9942	52	10	also	also	ADV
easat-9942	52	11	strengthen	strengthen	VERB
easat-9942	52	12	the	the	DET
easat-9942	52	13	national	national	ADJ
easat-9942	52	14	financial	financial	ADJ
easat-9942	52	15	system	system	NOUN
easat-9942	52	16	by	by	ADP
easat-9942	52	17	increasing	increase	VERB
easat-9942	52	18	trust	trust	NOUN
easat-9942	52	19	between	between	ADP
easat-9942	52	20	banks	bank	NOUN
easat-9942	52	21	and	and	CCONJ
easat-9942	52	22	debtors	debtor	NOUN
easat-9942	52	23	.	.	PUNCT
easat-9942	53	1	based	base	VERB
easat-9942	53	2	on	on	ADP
easat-9942	53	3	business	business	NOUN
easat-9942	53	4	performance	performance	NOUN
easat-9942	53	5	and	and	CCONJ
easat-9942	53	6	feasibility	feasibility	NOUN
easat-9942	53	7	,	,	PUNCT
easat-9942	53	8	banks	bank	NOUN
easat-9942	53	9	will	will	AUX
easat-9942	53	10	have	have	VERB
easat-9942	53	11	a	a	DET
easat-9942	53	12	more	more	ADV
easat-9942	53	13	strategic	strategic	ADJ
easat-9942	53	14	position	position	NOUN
easat-9942	53	15	in	in	ADP
easat-9942	53	16	supporting	support	VERB
easat-9942	53	17	sustainable	sustainable	ADJ
easat-9942	53	18	economic	economic	ADJ
easat-9942	53	19	growth	growth	NOUN
easat-9942	53	20	[	[	X
easat-9942	53	21	8	8	NUM
easat-9942	53	22	]	]	PUNCT
easat-9942	53	23	.	.	PUNCT
easat-9942	54	1	this	this	DET
easat-9942	54	2	approach	approach	NOUN
easat-9942	54	3	is	be	AUX
easat-9942	54	4	in	in	ADP
easat-9942	54	5	line	line	NOUN
easat-9942	54	6	with	with	ADP
easat-9942	54	7	the	the	DET
easat-9942	54	8	principle	principle	NOUN
easat-9942	54	9	of	of	ADP
easat-9942	54	10	equitable	equitable	ADJ
easat-9942	54	11	development	development	NOUN
easat-9942	54	12	that	that	PRON
easat-9942	54	13	emphasizes	emphasize	VERB
easat-9942	54	14	efficiency	efficiency	NOUN
easat-9942	54	15	,	,	PUNCT
easat-9942	54	16	transparency	transparency	NOUN
easat-9942	54	17	,	,	PUNCT
easat-9942	54	18	and	and	CCONJ
easat-9942	54	19	accessibility	accessibility	NOUN
easat-9942	54	20	of	of	ADP
easat-9942	54	21	financing	financing	NOUN
easat-9942	54	22	.	.	PUNCT
easat-9942	55	1	if	if	SCONJ
easat-9942	55	2	implemented	implement	VERB
easat-9942	55	3	systematically	systematically	ADV
easat-9942	55	4	,	,	PUNCT
easat-9942	55	5	this	this	DET
easat-9942	55	6	approach	approach	NOUN
easat-9942	55	7	can	can	AUX
easat-9942	55	8	reduce	reduce	VERB
easat-9942	55	9	the	the	DET
easat-9942	55	10	potential	potential	NOUN
easat-9942	55	11	for	for	ADP
easat-9942	55	12	non	non	ADJ
easat-9942	55	13	-	-	ADJ
easat-9942	55	14	performing	performing	ADJ
easat-9942	55	15	loans	loan	NOUN
easat-9942	55	16	because	because	SCONJ
easat-9942	55	17	debtor	debtor	NOUN
easat-9942	55	18	selection	selection	NOUN
easat-9942	55	19	is	be	AUX
easat-9942	55	20	carried	carry	VERB
easat-9942	55	21	out	out	ADP
easat-9942	55	22	more	more	ADV
easat-9942	55	23	accurately	accurately	ADV
easat-9942	55	24	and	and	CCONJ
easat-9942	55	25	objectively	objectively	ADV
easat-9942	55	26	.	.	PUNCT
easat-9942	56	1	banks	bank	NOUN
easat-9942	56	2	will	will	AUX
easat-9942	56	3	also	also	ADV
easat-9942	56	4	have	have	VERB
easat-9942	56	5	a	a	DET
easat-9942	56	6	new	new	ADJ
easat-9942	56	7	role	role	NOUN
easat-9942	56	8	as	as	ADP
easat-9942	56	9	strategic	strategic	ADJ
easat-9942	56	10	partners	partner	NOUN
easat-9942	56	11	of	of	ADP
easat-9942	56	12	debtors	debtor	NOUN
easat-9942	56	13	in	in	ADP
easat-9942	56	14	business	business	NOUN
easat-9942	56	15	development	development	NOUN
easat-9942	56	16	.	.	PUNCT
easat-9942	57	1	this	this	DET
easat-9942	57	2	transformation	transformation	NOUN
easat-9942	57	3	will	will	AUX
easat-9942	57	4	strengthen	strengthen	VERB
easat-9942	57	5	the	the	DET
easat-9942	57	6	intermediary	intermediary	ADJ
easat-9942	57	7	role	role	NOUN
easat-9942	57	8	of	of	ADP
easat-9942	57	9	banks	bank	NOUN
easat-9942	57	10	and	and	CCONJ
easat-9942	57	11	enhance	enhance	VERB
easat-9942	57	12	the	the	DET
easat-9942	57	13	socio	socio	NOUN
easat-9942	57	14	-	-	PUNCT
easat-9942	57	15	economic	economic	ADJ
easat-9942	57	16	function	function	NOUN
easat-9942	57	17	of	of	ADP
easat-9942	57	18	financial	financial	ADJ
easat-9942	57	19	institutions	institution	NOUN
easat-9942	57	20	.	.	PUNCT
easat-9942	58	1	therefore	therefore	ADV
easat-9942	58	2	,	,	PUNCT
easat-9942	58	3	reforming	reform	VERB
easat-9942	58	4	the	the	DET
easat-9942	58	5	guarantee	guarantee	NOUN
easat-9942	58	6	system	system	NOUN
easat-9942	58	7	is	be	AUX
easat-9942	58	8	not	not	PART
easat-9942	58	9	only	only	ADV
easat-9942	58	10	a	a	DET
easat-9942	58	11	legal	legal	ADJ
easat-9942	58	12	necessity	necessity	NOUN
easat-9942	58	13	but	but	CCONJ
easat-9942	58	14	also	also	ADV
easat-9942	58	15	an	an	DET
easat-9942	58	16	economic	economic	ADJ
easat-9942	58	17	necessity	necessity	NOUN
easat-9942	58	18	.	.	PUNCT
easat-9942	59	1	performance	performance	NOUN
easat-9942	59	2	guarantees	guarantee	NOUN
easat-9942	59	3	are	be	AUX
easat-9942	59	4	one	one	NUM
easat-9942	59	5	of	of	ADP
easat-9942	59	6	the	the	DET
easat-9942	59	7	most	most	ADV
easat-9942	59	8	promising	promising	ADJ
easat-9942	59	9	instruments	instrument	NOUN
easat-9942	59	10	of	of	ADP
easat-9942	59	11	modernization	modernization	NOUN
easat-9942	59	12	.	.	PUNCT
easat-9942	60	1	the	the	DET
easat-9942	60	2	traditional	traditional	ADJ
easat-9942	60	3	guarantee	guarantee	NOUN
easat-9942	60	4	system	system	NOUN
easat-9942	60	5	is	be	AUX
easat-9942	60	6	still	still	ADV
easat-9942	60	7	maintained	maintain	VERB
easat-9942	60	8	because	because	SCONJ
easat-9942	60	9	it	it	PRON
easat-9942	60	10	is	be	AUX
easat-9942	60	11	considered	consider	VERB
easat-9942	60	12	to	to	PART
easat-9942	60	13	guarantee	guarantee	VERB
easat-9942	60	14	legal	legal	ADJ
easat-9942	60	15	certainty	certainty	NOUN
easat-9942	60	16	for	for	ADP
easat-9942	60	17	banks	bank	NOUN
easat-9942	60	18	,	,	PUNCT
easat-9942	60	19	when	when	SCONJ
easat-9942	60	20	in	in	ADP
easat-9942	60	21	fact	fact	NOUN
easat-9942	60	22	it	it	PRON
easat-9942	60	23	actually	actually	ADV
easat-9942	60	24	hinders	hinder	VERB
easat-9942	60	25	efficiency	efficiency	NOUN
easat-9942	60	26	.	.	PUNCT
easat-9942	61	1	this	this	DET
easat-9942	61	2	approach	approach	NOUN
easat-9942	61	3	focuses	focus	VERB
easat-9942	61	4	too	too	ADV
easat-9942	61	5	much	much	ADJ
easat-9942	61	6	on	on	ADP
easat-9942	61	7	asset	asset	NOUN
easat-9942	61	8	protection	protection	NOUN
easat-9942	61	9	and	and	CCONJ
easat-9942	61	10	ignores	ignore	VERB
easat-9942	61	11	the	the	DET
easat-9942	61	12	value	value	NOUN
easat-9942	61	13	of	of	ADP
easat-9942	61	14	business	business	NOUN
easat-9942	61	15	potential	potential	NOUN
easat-9942	62	1	[	[	X
easat-9942	62	2	9	9	NUM
easat-9942	62	3	]	]	PUNCT
easat-9942	62	4	.	.	PUNCT
easat-9942	63	1	in	in	ADP
easat-9942	63	2	the	the	DET
easat-9942	63	3	era	era	NOUN
easat-9942	63	4	of	of	ADP
easat-9942	63	5	the	the	DET
easat-9942	63	6	industrial	industrial	ADJ
easat-9942	63	7	revolution	revolution	NOUN
easat-9942	63	8	4.0	4.0	NUM
easat-9942	63	9	,	,	PUNCT
easat-9942	63	10	which	which	PRON
easat-9942	63	11	is	be	AUX
easat-9942	63	12	characterized	characterize	VERB
easat-9942	63	13	by	by	ADP
easat-9942	63	14	accelerated	accelerate	VERB
easat-9942	63	15	innovation	innovation	NOUN
easat-9942	63	16	and	and	CCONJ
easat-9942	63	17	digitalization	digitalization	NOUN
easat-9942	63	18	,	,	PUNCT
easat-9942	63	19	this	this	DET
easat-9942	63	20	type	type	NOUN
easat-9942	63	21	of	of	ADP
easat-9942	63	22	guarantee	guarantee	NOUN
easat-9942	63	23	system	system	NOUN
easat-9942	63	24	is	be	AUX
easat-9942	63	25	irrelevant	irrelevant	ADJ
easat-9942	63	26	.	.	PUNCT
easat-9942	64	1	technology	technology	NOUN
easat-9942	64	2	-	-	PUNCT
easat-9942	64	3	based	base	VERB
easat-9942	64	4	companies	company	NOUN
easat-9942	64	5	with	with	ADP
easat-9942	64	6	high	high	ADJ
easat-9942	64	7	valuations	valuation	NOUN
easat-9942	64	8	but	but	CCONJ
easat-9942	64	9	no	no	DET
easat-9942	64	10	fixed	fixed	ADJ
easat-9942	64	11	assets	asset	NOUN
easat-9942	64	12	will	will	AUX
easat-9942	64	13	be	be	AUX
easat-9942	64	14	excluded	exclude	VERB
easat-9942	64	15	from	from	ADP
easat-9942	64	16	763	763	NUM
easat-9942	64	17	edelweiss	edelweiss	PROPN
easat-9942	64	18	applied	apply	VERB
easat-9942	64	19	science	science	NOUN
easat-9942	64	20	and	and	CCONJ
easat-9942	64	21	technology	technology	NOUN
easat-9942	64	22	issn	issn	PROPN
easat-9942	64	23	:	:	PUNCT
easat-9942	64	24	2576	2576	NUM
easat-9942	64	25	-	-	SYM
easat-9942	64	26	8484	8484	NUM
easat-9942	64	27	vol	vol	NOUN
easat-9942	64	28	.	.	PROPN
easat-9942	65	1	9	9	NUM
easat-9942	65	2	,	,	PUNCT
easat-9942	65	3	no	no	INTJ
easat-9942	65	4	.	.	NOUN
easat-9942	65	5	9	9	NUM
easat-9942	65	6	:	:	PUNCT
easat-9942	65	7	761	761	NUM
easat-9942	65	8	-	-	SYM
easat-9942	65	9	773	773	NUM
easat-9942	65	10	,	,	PUNCT
easat-9942	65	11	2025	2025	NUM
easat-9942	65	12	doi	doi	NOUN
easat-9942	65	13	:	:	PUNCT
easat-9942	65	14	10.55214/2576	10.55214/2576	NUM
easat-9942	65	15	-	-	PUNCT
easat-9942	65	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	65	17	©	©	ADP
easat-9942	65	18	2025	2025	NUM
easat-9942	65	19	by	by	ADP
easat-9942	65	20	the	the	DET
easat-9942	65	21	authors	author	NOUN
easat-9942	65	22	;	;	PUNCT
easat-9942	65	23	licensee	licensee	PROPN
easat-9942	65	24	learning	learning	NOUN
easat-9942	65	25	gate	gate	VERB
easat-9942	65	26	conventional	conventional	ADJ
easat-9942	65	27	financing	financing	NOUN
easat-9942	65	28	systems	system	NOUN
easat-9942	65	29	.	.	PUNCT
easat-9942	66	1	performance	performance	NOUN
easat-9942	66	2	-	-	PUNCT
easat-9942	66	3	based	base	VERB
easat-9942	66	4	collateral	collateral	NOUN
easat-9942	66	5	systems	system	NOUN
easat-9942	66	6	address	address	NOUN
easat-9942	66	7	this	this	DET
easat-9942	66	8	need	need	NOUN
easat-9942	66	9	by	by	ADP
easat-9942	66	10	assessing	assess	VERB
easat-9942	66	11	intangible	intangible	ADJ
easat-9942	66	12	assets	asset	NOUN
easat-9942	66	13	such	such	ADJ
easat-9942	66	14	as	as	ADP
easat-9942	66	15	ip	ip	PROPN
easat-9942	66	16	,	,	PUNCT
easat-9942	66	17	equity	equity	NOUN
easat-9942	66	18	,	,	PUNCT
easat-9942	66	19	and	and	CCONJ
easat-9942	66	20	market	market	NOUN
easat-9942	66	21	potential	potential	NOUN
easat-9942	66	22	.	.	PUNCT
easat-9942	67	1	thus	thus	ADV
easat-9942	67	2	,	,	PUNCT
easat-9942	67	3	performance	performance	NOUN
easat-9942	67	4	-	-	PUNCT
easat-9942	67	5	based	base	VERB
easat-9942	67	6	collateral	collateral	NOUN
easat-9942	67	7	is	be	AUX
easat-9942	67	8	not	not	PART
easat-9942	67	9	only	only	ADV
easat-9942	67	10	relevant	relevant	ADJ
easat-9942	67	11	but	but	CCONJ
easat-9942	67	12	essential	essential	ADJ
easat-9942	67	13	in	in	ADP
easat-9942	67	14	creating	create	VERB
easat-9942	67	15	financial	financial	ADJ
easat-9942	67	16	inclusion	inclusion	NOUN
easat-9942	67	17	in	in	ADP
easat-9942	67	18	the	the	DET
easat-9942	67	19	modern	modern	ADJ
easat-9942	67	20	business	business	NOUN
easat-9942	67	21	sector	sector	NOUN
easat-9942	67	22	.	.	PUNCT
easat-9942	68	1	banks	bank	NOUN
easat-9942	68	2	must	must	AUX
easat-9942	68	3	adapt	adapt	VERB
easat-9942	68	4	immediately	immediately	ADV
easat-9942	68	5	to	to	PART
easat-9942	68	6	avoid	avoid	VERB
easat-9942	68	7	being	be	AUX
easat-9942	68	8	left	leave	VERB
easat-9942	68	9	behind	behind	ADV
easat-9942	68	10	by	by	ADP
easat-9942	68	11	more	more	ADJ
easat-9942	68	12	adaptive	adaptive	ADJ
easat-9942	68	13	non	non	ADJ
easat-9942	68	14	-	-	ADJ
easat-9942	68	15	bank	bank	ADJ
easat-9942	68	16	financial	financial	ADJ
easat-9942	68	17	institutions	institution	NOUN
easat-9942	68	18	.	.	PUNCT
easat-9942	69	1	in	in	ADP
easat-9942	69	2	an	an	DET
easat-9942	69	3	international	international	ADJ
easat-9942	69	4	context	context	NOUN
easat-9942	69	5	,	,	PUNCT
easat-9942	69	6	countries	country	NOUN
easat-9942	69	7	such	such	ADJ
easat-9942	69	8	as	as	ADP
easat-9942	69	9	malaysia	malaysia	PROPN
easat-9942	69	10	regulate	regulate	VERB
easat-9942	69	11	credit	credit	NOUN
easat-9942	69	12	risk	risk	NOUN
easat-9942	69	13	management	management	NOUN
easat-9942	69	14	systems	system	NOUN
easat-9942	69	15	that	that	PRON
easat-9942	69	16	balance	balance	VERB
easat-9942	69	17	quality	quality	NOUN
easat-9942	69	18	,	,	PUNCT
easat-9942	69	19	profitability	profitability	NOUN
easat-9942	69	20	,	,	PUNCT
easat-9942	69	21	and	and	CCONJ
easat-9942	69	22	growth	growth	NOUN
easat-9942	69	23	through	through	ADP
easat-9942	69	24	bank	bank	PROPN
easat-9942	69	25	negara	negara	PROPN
easat-9942	69	26	malaysia	malaysia	PROPN
easat-9942	69	27	(	(	PUNCT
easat-9942	69	28	bnm	bnm	PROPN
easat-9942	69	29	)	)	PUNCT
easat-9942	69	30	policies	policy	NOUN
easat-9942	69	31	[	[	X
easat-9942	69	32	10	10	NUM
easat-9942	69	33	]	]	PUNCT
easat-9942	69	34	.	.	PUNCT
easat-9942	70	1	meanwhile	meanwhile	ADV
easat-9942	70	2	,	,	PUNCT
easat-9942	70	3	singapore	singapore	PROPN
easat-9942	70	4	,	,	PUNCT
easat-9942	70	5	through	through	ADP
easat-9942	70	6	the	the	DET
easat-9942	70	7	monetary	monetary	ADJ
easat-9942	70	8	authority	authority	PROPN
easat-9942	70	9	guidelines	guideline	NOUN
easat-9942	70	10	,	,	PUNCT
easat-9942	70	11	implements	implement	VERB
easat-9942	70	12	comprehensive	comprehensive	ADJ
easat-9942	70	13	supervision	supervision	NOUN
easat-9942	70	14	of	of	ADP
easat-9942	70	15	the	the	DET
easat-9942	70	16	risks	risk	NOUN
easat-9942	70	17	and	and	CCONJ
easat-9942	70	18	performance	performance	NOUN
easat-9942	70	19	of	of	ADP
easat-9942	70	20	financed	finance	VERB
easat-9942	70	21	companies	company	NOUN
easat-9942	70	22	.	.	PUNCT
easat-9942	71	1	in	in	ADP
easat-9942	71	2	both	both	DET
easat-9942	71	3	systems	system	NOUN
easat-9942	71	4	,	,	PUNCT
easat-9942	71	5	collateral	collateral	NOUN
easat-9942	71	6	is	be	AUX
easat-9942	71	7	not	not	PART
easat-9942	71	8	the	the	DET
easat-9942	71	9	only	only	ADJ
easat-9942	71	10	key	key	ADJ
easat-9942	71	11	parameter	parameter	NOUN
easat-9942	71	12	.	.	PUNCT
easat-9942	72	1	instead	instead	ADV
easat-9942	72	2	,	,	PUNCT
easat-9942	72	3	business	business	NOUN
easat-9942	72	4	feasibility	feasibility	NOUN
easat-9942	72	5	assessments	assessment	NOUN
easat-9942	72	6	are	be	AUX
easat-9942	72	7	the	the	DET
easat-9942	72	8	dominant	dominant	ADJ
easat-9942	72	9	criteria	criterion	NOUN
easat-9942	72	10	in	in	ADP
easat-9942	72	11	credit	credit	NOUN
easat-9942	72	12	decisionmaking	decisionmaking	NOUN
easat-9942	72	13	.	.	PUNCT
easat-9942	73	1	this	this	DET
easat-9942	73	2	system	system	NOUN
easat-9942	73	3	also	also	ADV
easat-9942	73	4	allows	allow	VERB
easat-9942	73	5	for	for	ADP
easat-9942	73	6	periodic	periodic	ADJ
easat-9942	73	7	and	and	CCONJ
easat-9942	73	8	flexible	flexible	ADJ
easat-9942	73	9	evaluations	evaluation	NOUN
easat-9942	73	10	of	of	ADP
easat-9942	73	11	debtor	debtor	NOUN
easat-9942	73	12	performance	performance	NOUN
easat-9942	73	13	.	.	PUNCT
easat-9942	74	1	indonesia	indonesia	PROPN
easat-9942	74	2	can	can	AUX
easat-9942	74	3	emulate	emulate	VERB
easat-9942	74	4	this	this	DET
easat-9942	74	5	approach	approach	NOUN
easat-9942	74	6	by	by	ADP
easat-9942	74	7	adapting	adapt	VERB
easat-9942	74	8	it	it	PRON
easat-9942	74	9	to	to	ADP
easat-9942	74	10	national	national	ADJ
easat-9942	74	11	legal	legal	ADJ
easat-9942	74	12	and	and	CCONJ
easat-9942	74	13	economic	economic	ADJ
easat-9942	74	14	characteristics	characteristic	NOUN
easat-9942	74	15	.	.	PUNCT
easat-9942	75	1	this	this	DET
easat-9942	75	2	adjustment	adjustment	NOUN
easat-9942	75	3	will	will	AUX
easat-9942	75	4	accelerate	accelerate	VERB
easat-9942	75	5	the	the	DET
easat-9942	75	6	adaptation	adaptation	NOUN
easat-9942	75	7	of	of	ADP
easat-9942	75	8	national	national	ADJ
easat-9942	75	9	banking	banking	NOUN
easat-9942	75	10	to	to	ADP
easat-9942	75	11	the	the	DET
easat-9942	75	12	challenges	challenge	NOUN
easat-9942	75	13	of	of	ADP
easat-9942	75	14	the	the	DET
easat-9942	75	15	digital	digital	ADJ
easat-9942	75	16	economy	economy	NOUN
easat-9942	75	17	and	and	CCONJ
easat-9942	75	18	global	global	ADJ
easat-9942	75	19	competition	competition	NOUN
easat-9942	75	20	.	.	PUNCT
easat-9942	76	1	this	this	DET
easat-9942	76	2	new	new	ADJ
easat-9942	76	3	paradigm	paradigm	NOUN
easat-9942	76	4	in	in	ADP
easat-9942	76	5	credit	credit	NOUN
easat-9942	76	6	collateral	collateral	NOUN
easat-9942	76	7	paves	pave	VERB
easat-9942	76	8	the	the	DET
easat-9942	76	9	way	way	NOUN
easat-9942	76	10	for	for	ADP
easat-9942	76	11	the	the	DET
easat-9942	76	12	transformation	transformation	NOUN
easat-9942	76	13	of	of	ADP
easat-9942	76	14	banking	banking	NOUN
easat-9942	76	15	from	from	ADP
easat-9942	76	16	a	a	DET
easat-9942	76	17	traditional	traditional	ADJ
easat-9942	76	18	intermediary	intermediary	ADJ
easat-9942	76	19	institution	institution	NOUN
easat-9942	76	20	to	to	ADP
easat-9942	76	21	a	a	DET
easat-9942	76	22	modern	modern	ADJ
easat-9942	76	23	financial	financial	ADJ
easat-9942	76	24	entity	entity	NOUN
easat-9942	76	25	oriented	orient	VERB
easat-9942	76	26	towards	towards	ADP
easat-9942	76	27	service	service	NOUN
easat-9942	76	28	and	and	CCONJ
easat-9942	76	29	collaboration	collaboration	NOUN
easat-9942	76	30	.	.	PUNCT
easat-9942	77	1	the	the	DET
easat-9942	77	2	implementation	implementation	NOUN
easat-9942	77	3	of	of	ADP
easat-9942	77	4	a	a	DET
easat-9942	77	5	performance	performance	NOUN
easat-9942	77	6	guarantee	guarantee	NOUN
easat-9942	77	7	system	system	NOUN
easat-9942	77	8	can	can	AUX
easat-9942	77	9	encourage	encourage	VERB
easat-9942	77	10	banks	bank	NOUN
easat-9942	77	11	to	to	PART
easat-9942	77	12	become	become	VERB
easat-9942	77	13	proactive	proactive	ADJ
easat-9942	77	14	,	,	PUNCT
easat-9942	77	15	innovative	innovative	ADJ
easat-9942	77	16	,	,	PUNCT
easat-9942	77	17	and	and	CCONJ
easat-9942	77	18	responsive	responsive	ADJ
easat-9942	77	19	institutions	institution	NOUN
easat-9942	77	20	to	to	ADP
easat-9942	77	21	the	the	DET
easat-9942	77	22	dynamics	dynamic	NOUN
easat-9942	77	23	of	of	ADP
easat-9942	77	24	the	the	DET
easat-9942	77	25	business	business	NOUN
easat-9942	77	26	world	world	NOUN
easat-9942	78	1	[	[	X
easat-9942	78	2	11	11	NUM
easat-9942	78	3	]	]	PUNCT
easat-9942	78	4	.	.	PUNCT
easat-9942	79	1	this	this	PRON
easat-9942	79	2	will	will	AUX
easat-9942	79	3	not	not	PART
easat-9942	79	4	only	only	ADV
easat-9942	79	5	improve	improve	VERB
easat-9942	79	6	the	the	DET
easat-9942	79	7	image	image	NOUN
easat-9942	79	8	of	of	ADP
easat-9942	79	9	national	national	ADJ
easat-9942	79	10	banking	banking	NOUN
easat-9942	79	11	,	,	PUNCT
easat-9942	79	12	but	but	CCONJ
easat-9942	79	13	also	also	ADV
easat-9942	79	14	expand	expand	VERB
easat-9942	79	15	the	the	DET
easat-9942	79	16	customer	customer	NOUN
easat-9942	79	17	base	base	NOUN
easat-9942	79	18	from	from	ADP
easat-9942	79	19	strategic	strategic	ADJ
easat-9942	79	20	sectors	sector	NOUN
easat-9942	79	21	.	.	PUNCT
easat-9942	80	1	companies	company	NOUN
easat-9942	80	2	with	with	ADP
easat-9942	80	3	good	good	ADJ
easat-9942	80	4	performance	performance	NOUN
easat-9942	80	5	will	will	AUX
easat-9942	80	6	be	be	AUX
easat-9942	80	7	more	more	ADV
easat-9942	80	8	interested	interested	ADJ
easat-9942	80	9	in	in	ADP
easat-9942	80	10	working	work	VERB
easat-9942	80	11	with	with	ADP
easat-9942	80	12	banks	bank	NOUN
easat-9942	80	13	that	that	PRON
easat-9942	80	14	have	have	VERB
easat-9942	80	15	modern	modern	ADJ
easat-9942	80	16	guarantee	guarantee	NOUN
easat-9942	80	17	systems	system	NOUN
easat-9942	80	18	.	.	PUNCT
easat-9942	81	1	therefore	therefore	ADV
easat-9942	81	2	,	,	PUNCT
easat-9942	81	3	the	the	DET
easat-9942	81	4	performance	performance	NOUN
easat-9942	81	5	guarantee	guarantee	NOUN
easat-9942	81	6	system	system	NOUN
easat-9942	81	7	is	be	AUX
easat-9942	81	8	a	a	DET
easat-9942	81	9	middle	middle	ADJ
easat-9942	81	10	ground	ground	NOUN
easat-9942	81	11	between	between	ADP
easat-9942	81	12	risk	risk	NOUN
easat-9942	81	13	protection	protection	NOUN
easat-9942	81	14	and	and	CCONJ
easat-9942	81	15	business	business	NOUN
easat-9942	81	16	empowerment	empowerment	NOUN
easat-9942	81	17	.	.	PUNCT
easat-9942	82	1	this	this	DET
easat-9942	82	2	paradigm	paradigm	NOUN
easat-9942	82	3	supports	support	VERB
easat-9942	82	4	the	the	DET
easat-9942	82	5	realization	realization	NOUN
easat-9942	82	6	of	of	ADP
easat-9942	82	7	a	a	DET
easat-9942	82	8	fair	fair	ADJ
easat-9942	82	9	and	and	CCONJ
easat-9942	82	10	sustainable	sustainable	ADJ
easat-9942	82	11	financing	financing	NOUN
easat-9942	82	12	system	system	NOUN
easat-9942	82	13	.	.	PUNCT
easat-9942	83	1	in	in	ADP
easat-9942	83	2	the	the	DET
easat-9942	83	3	long	long	ADJ
easat-9942	83	4	term	term	NOUN
easat-9942	83	5	,	,	PUNCT
easat-9942	83	6	this	this	DET
easat-9942	83	7	transformation	transformation	NOUN
easat-9942	83	8	will	will	AUX
easat-9942	83	9	be	be	AUX
easat-9942	83	10	the	the	DET
easat-9942	83	11	driving	drive	VERB
easat-9942	83	12	force	force	NOUN
easat-9942	83	13	behind	behind	ADP
easat-9942	83	14	national	national	ADJ
easat-9942	83	15	economic	economic	ADJ
easat-9942	83	16	growth	growth	NOUN
easat-9942	83	17	.	.	PUNCT
easat-9942	84	1	the	the	DET
easat-9942	84	2	transformation	transformation	NOUN
easat-9942	84	3	of	of	ADP
easat-9942	84	4	the	the	DET
easat-9942	84	5	guarantee	guarantee	NOUN
easat-9942	84	6	system	system	NOUN
easat-9942	84	7	in	in	ADP
easat-9942	84	8	indonesia	indonesia	PROPN
easat-9942	84	9	's	's	PART
easat-9942	84	10	banking	banking	NOUN
easat-9942	84	11	industry	industry	NOUN
easat-9942	84	12	can	can	AUX
easat-9942	84	13	not	not	PART
easat-9942	84	14	be	be	AUX
easat-9942	84	15	separated	separate	VERB
easat-9942	84	16	from	from	ADP
easat-9942	84	17	the	the	DET
easat-9942	84	18	reform	reform	NOUN
easat-9942	84	19	of	of	ADP
easat-9942	84	20	the	the	DET
easat-9942	84	21	underlying	underlying	ADJ
easat-9942	84	22	institutional	institutional	ADJ
easat-9942	84	23	structure	structure	NOUN
easat-9942	84	24	and	and	CCONJ
easat-9942	84	25	legal	legal	ADJ
easat-9942	84	26	culture	culture	NOUN
easat-9942	84	27	.	.	PUNCT
easat-9942	85	1	changes	change	NOUN
easat-9942	85	2	are	be	AUX
easat-9942	85	3	not	not	PART
easat-9942	85	4	only	only	ADV
easat-9942	85	5	needed	need	VERB
easat-9942	85	6	in	in	ADP
easat-9942	85	7	regulatory	regulatory	ADJ
easat-9942	85	8	aspects	aspect	NOUN
easat-9942	85	9	,	,	PUNCT
easat-9942	85	10	but	but	CCONJ
easat-9942	85	11	must	must	AUX
easat-9942	85	12	also	also	ADV
easat-9942	85	13	touch	touch	VERB
easat-9942	85	14	on	on	ADP
easat-9942	85	15	the	the	DET
easat-9942	85	16	mindset	mindset	NOUN
easat-9942	85	17	of	of	ADP
easat-9942	85	18	financial	financial	ADJ
easat-9942	85	19	industry	industry	NOUN
easat-9942	85	20	players	player	NOUN
easat-9942	85	21	,	,	PUNCT
easat-9942	85	22	including	include	VERB
easat-9942	85	23	government	government	NOUN
easat-9942	85	24	officials	official	NOUN
easat-9942	85	25	who	who	PRON
easat-9942	85	26	are	be	AUX
easat-9942	85	27	regulators	regulator	NOUN
easat-9942	85	28	.	.	PUNCT
easat-9942	86	1	collective	collective	ADJ
easat-9942	86	2	courage	courage	NOUN
easat-9942	86	3	is	be	AUX
easat-9942	86	4	needed	need	VERB
easat-9942	86	5	to	to	PART
easat-9942	86	6	leave	leave	VERB
easat-9942	86	7	the	the	DET
easat-9942	86	8	comfort	comfort	NOUN
easat-9942	86	9	zone	zone	NOUN
easat-9942	86	10	that	that	PRON
easat-9942	86	11	is	be	AUX
easat-9942	86	12	no	no	ADV
easat-9942	86	13	longer	long	ADV
easat-9942	86	14	relevant	relevant	ADJ
easat-9942	86	15	to	to	ADP
easat-9942	86	16	the	the	DET
easat-9942	86	17	challenges	challenge	NOUN
easat-9942	86	18	of	of	ADP
easat-9942	86	19	the	the	DET
easat-9942	86	20	times	time	NOUN
easat-9942	86	21	.	.	PUNCT
easat-9942	87	1	banks	bank	NOUN
easat-9942	87	2	must	must	AUX
easat-9942	87	3	have	have	VERB
easat-9942	87	4	the	the	DET
easat-9942	87	5	courage	courage	NOUN
easat-9942	87	6	to	to	PART
easat-9942	87	7	adopt	adopt	VERB
easat-9942	87	8	a	a	DET
easat-9942	87	9	performancebased	performancebase	VERB
easat-9942	87	10	risk	risk	NOUN
easat-9942	87	11	assessment	assessment	NOUN
easat-9942	87	12	system	system	NOUN
easat-9942	87	13	,	,	PUNCT
easat-9942	87	14	while	while	SCONJ
easat-9942	87	15	the	the	DET
easat-9942	87	16	government	government	NOUN
easat-9942	87	17	and	and	CCONJ
easat-9942	87	18	supervisory	supervisory	ADJ
easat-9942	87	19	agencies	agency	NOUN
easat-9942	87	20	must	must	AUX
easat-9942	87	21	provide	provide	VERB
easat-9942	87	22	full	full	ADJ
easat-9942	87	23	support	support	NOUN
easat-9942	87	24	through	through	ADP
easat-9942	87	25	progressive	progressive	ADJ
easat-9942	87	26	and	and	CCONJ
easat-9942	87	27	flexible	flexible	ADJ
easat-9942	87	28	regulations	regulation	NOUN
easat-9942	87	29	.	.	PUNCT
easat-9942	88	1	this	this	PRON
easat-9942	88	2	is	be	AUX
easat-9942	88	3	important	important	ADJ
easat-9942	88	4	so	so	SCONJ
easat-9942	88	5	that	that	SCONJ
easat-9942	88	6	banks	bank	NOUN
easat-9942	88	7	are	be	AUX
easat-9942	88	8	not	not	PART
easat-9942	88	9	left	leave	VERB
easat-9942	88	10	behind	behind	ADV
easat-9942	88	11	by	by	ADP
easat-9942	88	12	financial	financial	ADJ
easat-9942	88	13	innovations	innovation	NOUN
easat-9942	88	14	offered	offer	VERB
easat-9942	88	15	by	by	ADP
easat-9942	88	16	non	non	ADJ
easat-9942	88	17	-	-	ADJ
easat-9942	88	18	bank	bank	ADJ
easat-9942	88	19	institutions	institution	NOUN
easat-9942	88	20	that	that	PRON
easat-9942	88	21	are	be	AUX
easat-9942	88	22	more	more	ADV
easat-9942	88	23	agile	agile	ADJ
easat-9942	88	24	in	in	ADP
easat-9942	88	25	absorbing	absorb	VERB
easat-9942	88	26	technology	technology	NOUN
easat-9942	88	27	.	.	PUNCT
easat-9942	89	1	if	if	SCONJ
easat-9942	89	2	the	the	DET
easat-9942	89	3	performance	performance	NOUN
easat-9942	89	4	guarantee	guarantee	NOUN
easat-9942	89	5	system	system	NOUN
easat-9942	89	6	can	can	AUX
easat-9942	89	7	be	be	AUX
easat-9942	89	8	implemented	implement	VERB
easat-9942	89	9	consistently	consistently	ADV
easat-9942	89	10	and	and	CCONJ
easat-9942	89	11	proportionally	proportionally	ADV
easat-9942	89	12	,	,	PUNCT
easat-9942	89	13	we	we	PRON
easat-9942	89	14	will	will	AUX
easat-9942	89	15	witness	witness	VERB
easat-9942	89	16	the	the	DET
easat-9942	89	17	birth	birth	NOUN
easat-9942	89	18	of	of	ADP
easat-9942	89	19	a	a	DET
easat-9942	89	20	new	new	ADJ
easat-9942	89	21	financing	financing	NOUN
easat-9942	89	22	ecosystem	ecosystem	NOUN
easat-9942	89	23	that	that	PRON
easat-9942	89	24	is	be	AUX
easat-9942	89	25	more	more	ADV
easat-9942	89	26	efficient	efficient	ADJ
easat-9942	89	27	and	and	CCONJ
easat-9942	89	28	fair	fair	ADJ
easat-9942	89	29	.	.	PUNCT
easat-9942	90	1	indonesia	indonesia	PROPN
easat-9942	90	2	will	will	AUX
easat-9942	90	3	be	be	AUX
easat-9942	90	4	able	able	ADJ
easat-9942	90	5	to	to	PART
easat-9942	90	6	compete	compete	VERB
easat-9942	90	7	in	in	ADP
easat-9942	90	8	the	the	DET
easat-9942	90	9	asean	asean	ADJ
easat-9942	90	10	region	region	NOUN
easat-9942	90	11	and	and	CCONJ
easat-9942	90	12	even	even	ADV
easat-9942	90	13	globally	globally	ADV
easat-9942	90	14	with	with	ADP
easat-9942	90	15	a	a	DET
easat-9942	90	16	superior	superior	ADJ
easat-9942	90	17	and	and	CCONJ
easat-9942	90	18	measurable	measurable	ADJ
easat-9942	90	19	performance	performance	NOUN
easat-9942	90	20	-	-	PUNCT
easat-9942	90	21	based	base	VERB
easat-9942	90	22	financial	financial	ADJ
easat-9942	90	23	model	model	NOUN
easat-9942	90	24	.	.	PUNCT
easat-9942	91	1	the	the	DET
easat-9942	91	2	readiness	readiness	NOUN
easat-9942	91	3	of	of	ADP
easat-9942	91	4	information	information	NOUN
easat-9942	91	5	technology	technology	NOUN
easat-9942	91	6	and	and	CCONJ
easat-9942	91	7	digital	digital	ADJ
easat-9942	91	8	system	system	NOUN
easat-9942	91	9	integration	integration	NOUN
easat-9942	91	10	in	in	ADP
easat-9942	91	11	the	the	DET
easat-9942	91	12	financial	financial	ADJ
easat-9942	91	13	sector	sector	NOUN
easat-9942	91	14	is	be	AUX
easat-9942	91	15	also	also	ADV
easat-9942	91	16	a	a	DET
easat-9942	91	17	key	key	ADJ
easat-9942	91	18	pillar	pillar	NOUN
easat-9942	91	19	in	in	ADP
easat-9942	91	20	supporting	support	VERB
easat-9942	91	21	the	the	DET
easat-9942	91	22	performance	performance	NOUN
easat-9942	91	23	guarantee	guarantee	NOUN
easat-9942	91	24	system	system	NOUN
easat-9942	91	25	.	.	PUNCT
easat-9942	92	1	big	big	ADJ
easat-9942	92	2	data	data	NOUN
easat-9942	92	3	-	-	PUNCT
easat-9942	92	4	based	base	VERB
easat-9942	92	5	analytical	analytical	ADJ
easat-9942	92	6	platforms	platform	NOUN
easat-9942	92	7	,	,	PUNCT
easat-9942	92	8	digital	digital	ADJ
easat-9942	92	9	credit	credit	NOUN
easat-9942	92	10	rating	rating	NOUN
easat-9942	92	11	systems	system	NOUN
easat-9942	92	12	,	,	PUNCT
easat-9942	92	13	and	and	CCONJ
easat-9942	92	14	real	real	ADJ
easat-9942	92	15	-	-	PUNCT
easat-9942	92	16	time	time	NOUN
easat-9942	92	17	connectivity	connectivity	NOUN
easat-9942	92	18	between	between	ADP
easat-9942	92	19	financial	financial	ADJ
easat-9942	92	20	institutions	institution	NOUN
easat-9942	92	21	must	must	AUX
easat-9942	92	22	be	be	AUX
easat-9942	92	23	developed	develop	VERB
easat-9942	92	24	immediately	immediately	ADV
easat-9942	92	25	.	.	PUNCT
easat-9942	93	1	through	through	ADP
easat-9942	93	2	this	this	DET
easat-9942	93	3	digitalization	digitalization	NOUN
easat-9942	93	4	,	,	PUNCT
easat-9942	93	5	banks	bank	NOUN
easat-9942	93	6	will	will	AUX
easat-9942	93	7	no	no	ADV
easat-9942	93	8	longer	long	ADV
easat-9942	93	9	assess	assess	VERB
easat-9942	93	10	customers	customer	NOUN
easat-9942	93	11	statically	statically	ADV
easat-9942	93	12	,	,	PUNCT
easat-9942	93	13	but	but	CCONJ
easat-9942	93	14	dynamically	dynamically	ADV
easat-9942	93	15	according	accord	VERB
easat-9942	93	16	to	to	ADP
easat-9942	93	17	their	their	PRON
easat-9942	93	18	track	track	NOUN
easat-9942	93	19	record	record	NOUN
easat-9942	93	20	and	and	CCONJ
easat-9942	93	21	actual	actual	ADJ
easat-9942	93	22	performance	performance	NOUN
easat-9942	93	23	,	,	PUNCT
easat-9942	93	24	which	which	PRON
easat-9942	93	25	is	be	AUX
easat-9942	93	26	continuously	continuously	ADV
easat-9942	93	27	updated	update	VERB
easat-9942	93	28	.	.	PUNCT
easat-9942	94	1	such	such	ADJ
easat-9942	94	2	innovations	innovation	NOUN
easat-9942	94	3	require	require	VERB
easat-9942	94	4	long	long	ADJ
easat-9942	94	5	-	-	PUNCT
easat-9942	94	6	term	term	NOUN
easat-9942	94	7	investment	investment	NOUN
easat-9942	94	8	and	and	CCONJ
easat-9942	94	9	cross	cross	ADJ
easat-9942	94	10	-	-	ADJ
easat-9942	94	11	sector	sector	ADJ
easat-9942	94	12	coordination	coordination	NOUN
easat-9942	94	13	,	,	PUNCT
easat-9942	94	14	but	but	CCONJ
easat-9942	94	15	the	the	DET
easat-9942	94	16	benefits	benefit	NOUN
easat-9942	94	17	will	will	AUX
easat-9942	94	18	be	be	AUX
easat-9942	94	19	enormous	enormous	ADJ
easat-9942	94	20	for	for	ADP
easat-9942	94	21	the	the	DET
easat-9942	94	22	resilience	resilience	NOUN
easat-9942	94	23	of	of	ADP
easat-9942	94	24	the	the	DET
easat-9942	94	25	national	national	ADJ
easat-9942	94	26	financial	financial	ADJ
easat-9942	94	27	system	system	NOUN
easat-9942	94	28	.	.	PUNCT
easat-9942	95	1	in	in	ADP
easat-9942	95	2	the	the	DET
easat-9942	95	3	long	long	ADJ
easat-9942	95	4	term	term	NOUN
easat-9942	95	5	,	,	PUNCT
easat-9942	95	6	this	this	DET
easat-9942	95	7	approach	approach	NOUN
easat-9942	95	8	will	will	AUX
easat-9942	95	9	also	also	ADV
easat-9942	95	10	promote	promote	VERB
easat-9942	95	11	transparency	transparency	NOUN
easat-9942	95	12	and	and	CCONJ
easat-9942	95	13	reduce	reduce	VERB
easat-9942	95	14	opportunities	opportunity	NOUN
easat-9942	95	15	for	for	ADP
easat-9942	95	16	rent	rent	NOUN
easat-9942	95	17	-	-	PUNCT
easat-9942	95	18	seeking	seeking	NOUN
easat-9942	95	19	and	and	CCONJ
easat-9942	95	20	collusion	collusion	NOUN
easat-9942	95	21	in	in	ADP
easat-9942	95	22	credit	credit	NOUN
easat-9942	95	23	distribution	distribution	NOUN
easat-9942	95	24	.	.	PUNCT
easat-9942	96	1	with	with	ADP
easat-9942	96	2	a	a	DET
easat-9942	96	3	data	data	NOUN
easat-9942	96	4	-	-	PUNCT
easat-9942	96	5	driven	drive	VERB
easat-9942	96	6	system	system	NOUN
easat-9942	96	7	,	,	PUNCT
easat-9942	96	8	decision	decision	NOUN
easat-9942	96	9	-	-	PUNCT
easat-9942	96	10	making	make	VERB
easat-9942	96	11	processes	process	NOUN
easat-9942	96	12	become	become	VERB
easat-9942	96	13	more	more	ADV
easat-9942	96	14	objective	objective	ADJ
easat-9942	96	15	,	,	PUNCT
easat-9942	96	16	accountable	accountable	ADJ
easat-9942	96	17	,	,	PUNCT
easat-9942	96	18	and	and	CCONJ
easat-9942	96	19	free	free	ADJ
easat-9942	96	20	from	from	ADP
easat-9942	96	21	subjectivity	subjectivity	NOUN
easat-9942	96	22	.	.	PUNCT
easat-9942	97	1	therefore	therefore	ADV
easat-9942	97	2	,	,	PUNCT
easat-9942	97	3	digitization	digitization	NOUN
easat-9942	97	4	and	and	CCONJ
easat-9942	97	5	performance	performance	NOUN
easat-9942	97	6	guarantee	guarantee	NOUN
easat-9942	97	7	systems	system	NOUN
easat-9942	97	8	must	must	AUX
easat-9942	97	9	go	go	VERB
easat-9942	97	10	hand	hand	NOUN
easat-9942	97	11	in	in	ADP
easat-9942	97	12	hand	hand	NOUN
easat-9942	97	13	as	as	ADP
easat-9942	97	14	the	the	DET
easat-9942	97	15	foundation	foundation	NOUN
easat-9942	97	16	of	of	ADP
easat-9942	97	17	a	a	DET
easat-9942	97	18	fair	fair	ADJ
easat-9942	97	19	and	and	CCONJ
easat-9942	97	20	competitive	competitive	ADJ
easat-9942	97	21	modern	modern	ADJ
easat-9942	97	22	economy	economy	NOUN
easat-9942	97	23	.	.	PUNCT
easat-9942	98	1	in	in	ADP
easat-9942	98	2	addition	addition	NOUN
easat-9942	98	3	,	,	PUNCT
easat-9942	98	4	it	it	PRON
easat-9942	98	5	is	be	AUX
easat-9942	98	6	important	important	ADJ
easat-9942	98	7	to	to	PART
easat-9942	98	8	establish	establish	VERB
easat-9942	98	9	a	a	DET
easat-9942	98	10	business	business	NOUN
easat-9942	98	11	ethics	ethic	NOUN
easat-9942	98	12	framework	framework	NOUN
easat-9942	98	13	that	that	PRON
easat-9942	98	14	supports	support	VERB
easat-9942	98	15	performance	performance	NOUN
easat-9942	98	16	guarantee	guarantee	NOUN
easat-9942	98	17	system	system	NOUN
easat-9942	98	18	practices	practice	NOUN
easat-9942	98	19	.	.	PUNCT
easat-9942	99	1	in	in	ADP
easat-9942	99	2	this	this	DET
easat-9942	99	3	case	case	NOUN
easat-9942	99	4	,	,	PUNCT
easat-9942	99	5	the	the	DET
easat-9942	99	6	values	value	NOUN
easat-9942	99	7	of	of	ADP
easat-9942	99	8	integrity	integrity	NOUN
easat-9942	99	9	,	,	PUNCT
easat-9942	99	10	social	social	ADJ
easat-9942	99	11	responsibility	responsibility	NOUN
easat-9942	99	12	,	,	PUNCT
easat-9942	99	13	and	and	CCONJ
easat-9942	99	14	legal	legal	ADJ
easat-9942	99	15	compliance	compliance	NOUN
easat-9942	99	16	become	become	VERB
easat-9942	99	17	an	an	DET
easat-9942	99	18	inseparable	inseparable	ADJ
easat-9942	99	19	moral	moral	ADJ
easat-9942	99	20	foundation	foundation	NOUN
easat-9942	99	21	for	for	ADP
easat-9942	99	22	the	the	DET
easat-9942	99	23	success	success	NOUN
easat-9942	99	24	of	of	ADP
easat-9942	99	25	this	this	DET
easat-9942	99	26	new	new	ADJ
easat-9942	99	27	system	system	NOUN
easat-9942	99	28	.	.	PUNCT
easat-9942	100	1	banks	bank	NOUN
easat-9942	100	2	are	be	AUX
easat-9942	100	3	not	not	PART
easat-9942	100	4	only	only	ADV
easat-9942	100	5	institutions	institution	NOUN
easat-9942	100	6	that	that	PRON
easat-9942	100	7	pursue	pursue	VERB
easat-9942	100	8	profits	profit	NOUN
easat-9942	100	9	,	,	PUNCT
easat-9942	100	10	but	but	CCONJ
easat-9942	100	11	also	also	ADV
easat-9942	100	12	stakeholders	stakeholder	NOUN
easat-9942	100	13	who	who	PRON
easat-9942	100	14	have	have	VERB
easat-9942	100	15	a	a	DET
easat-9942	100	16	responsibility	responsibility	NOUN
easat-9942	100	17	for	for	ADP
easat-9942	100	18	social	social	ADJ
easat-9942	100	19	stability	stability	NOUN
easat-9942	100	20	764	764	NUM
easat-9942	100	21	edelweiss	edelweiss	PROPN
easat-9942	100	22	applied	apply	VERB
easat-9942	100	23	science	science	NOUN
easat-9942	100	24	and	and	CCONJ
easat-9942	100	25	technology	technology	NOUN
easat-9942	100	26	issn	issn	PROPN
easat-9942	100	27	:	:	PUNCT
easat-9942	100	28	2576	2576	NUM
easat-9942	100	29	-	-	SYM
easat-9942	100	30	8484	8484	NUM
easat-9942	100	31	vol	vol	NOUN
easat-9942	100	32	.	.	PROPN
easat-9942	101	1	9	9	NUM
easat-9942	101	2	,	,	PUNCT
easat-9942	101	3	no	no	INTJ
easat-9942	101	4	.	.	NOUN
easat-9942	101	5	9	9	NUM
easat-9942	101	6	:	:	PUNCT
easat-9942	101	7	761	761	NUM
easat-9942	101	8	-	-	SYM
easat-9942	101	9	773	773	NUM
easat-9942	101	10	,	,	PUNCT
easat-9942	101	11	2025	2025	NUM
easat-9942	101	12	doi	doi	NOUN
easat-9942	101	13	:	:	PUNCT
easat-9942	101	14	10.55214/2576	10.55214/2576	NUM
easat-9942	101	15	-	-	PUNCT
easat-9942	101	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	101	17	©	©	ADP
easat-9942	101	18	2025	2025	NUM
easat-9942	101	19	by	by	ADP
easat-9942	101	20	the	the	DET
easat-9942	101	21	authors	author	NOUN
easat-9942	101	22	;	;	PUNCT
easat-9942	101	23	licensee	licensee	PROPN
easat-9942	101	24	learning	learning	NOUN
easat-9942	101	25	gate	gate	NOUN
easat-9942	101	26	and	and	CCONJ
easat-9942	101	27	national	national	ADJ
easat-9942	101	28	economic	economic	ADJ
easat-9942	101	29	development	development	NOUN
easat-9942	101	30	.	.	PUNCT
easat-9942	102	1	a	a	DET
easat-9942	102	2	performance	performance	NOUN
easat-9942	102	3	guarantee	guarantee	NOUN
easat-9942	102	4	system	system	NOUN
easat-9942	102	5	,	,	PUNCT
easat-9942	102	6	if	if	SCONJ
easat-9942	102	7	accompanied	accompany	VERB
easat-9942	102	8	by	by	ADP
easat-9942	102	9	ethical	ethical	ADJ
easat-9942	102	10	commitment	commitment	NOUN
easat-9942	102	11	and	and	CCONJ
easat-9942	102	12	good	good	ADJ
easat-9942	102	13	governance	governance	NOUN
easat-9942	102	14	,	,	PUNCT
easat-9942	102	15	will	will	AUX
easat-9942	102	16	strengthen	strengthen	VERB
easat-9942	102	17	the	the	DET
easat-9942	102	18	position	position	NOUN
easat-9942	102	19	of	of	ADP
easat-9942	102	20	banks	bank	NOUN
easat-9942	102	21	as	as	ADP
easat-9942	102	22	true	true	ADJ
easat-9942	102	23	agents	agent	NOUN
easat-9942	102	24	of	of	ADP
easat-9942	102	25	development	development	NOUN
easat-9942	102	26	.	.	PUNCT
easat-9942	103	1	the	the	DET
easat-9942	103	2	culture	culture	NOUN
easat-9942	103	3	of	of	ADP
easat-9942	103	4	legal	legal	ADJ
easat-9942	103	5	quality	quality	NOUN
easat-9942	103	6	that	that	PRON
easat-9942	103	7	has	have	AUX
easat-9942	103	8	been	be	AUX
easat-9942	103	9	developed	develop	VERB
easat-9942	103	10	in	in	ADP
easat-9942	103	11	the	the	DET
easat-9942	103	12	corporate	corporate	ADJ
easat-9942	103	13	and	and	CCONJ
easat-9942	103	14	government	government	NOUN
easat-9942	103	15	sectors	sector	NOUN
easat-9942	103	16	needs	need	VERB
easat-9942	103	17	to	to	PART
easat-9942	103	18	be	be	AUX
easat-9942	103	19	adopted	adopt	VERB
easat-9942	103	20	by	by	ADP
easat-9942	103	21	the	the	DET
easat-9942	103	22	banking	banking	NOUN
easat-9942	103	23	sector	sector	NOUN
easat-9942	103	24	as	as	ADP
easat-9942	103	25	a	a	DET
easat-9942	103	26	new	new	ADJ
easat-9942	103	27	standard	standard	NOUN
easat-9942	103	28	of	of	ADP
easat-9942	103	29	professionalism	professionalism	NOUN
easat-9942	103	30	.	.	PUNCT
easat-9942	104	1	with	with	ADP
easat-9942	104	2	this	this	DET
easat-9942	104	3	holistic	holistic	ADJ
easat-9942	104	4	approach	approach	NOUN
easat-9942	104	5	,	,	PUNCT
easat-9942	104	6	the	the	DET
easat-9942	104	7	transformation	transformation	NOUN
easat-9942	104	8	of	of	ADP
easat-9942	104	9	the	the	DET
easat-9942	104	10	guarantee	guarantee	NOUN
easat-9942	104	11	system	system	NOUN
easat-9942	104	12	will	will	AUX
easat-9942	104	13	not	not	PART
easat-9942	104	14	only	only	ADV
easat-9942	104	15	create	create	VERB
easat-9942	104	16	technical	technical	ADJ
easat-9942	104	17	changes	change	NOUN
easat-9942	104	18	,	,	PUNCT
easat-9942	104	19	but	but	CCONJ
easat-9942	104	20	also	also	ADV
easat-9942	104	21	changes	change	VERB
easat-9942	104	22	in	in	ADP
easat-9942	104	23	values	value	NOUN
easat-9942	104	24	within	within	ADP
easat-9942	104	25	the	the	DET
easat-9942	104	26	national	national	ADJ
easat-9942	104	27	financial	financial	ADJ
easat-9942	104	28	ecosystem	ecosystem	NOUN
easat-9942	104	29	.	.	PUNCT
easat-9942	105	1	this	this	PRON
easat-9942	105	2	is	be	AUX
easat-9942	105	3	an	an	DET
easat-9942	105	4	important	important	ADJ
easat-9942	105	5	moment	moment	NOUN
easat-9942	105	6	to	to	PART
easat-9942	105	7	reunite	reunite	VERB
easat-9942	105	8	economic	economic	ADJ
easat-9942	105	9	,	,	PUNCT
easat-9942	105	10	social	social	ADJ
easat-9942	105	11	,	,	PUNCT
easat-9942	105	12	and	and	CCONJ
easat-9942	105	13	legal	legal	ADJ
easat-9942	105	14	interests	interest	NOUN
easat-9942	105	15	in	in	ADP
easat-9942	105	16	a	a	DET
easat-9942	105	17	dignified	dignified	ADJ
easat-9942	105	18	national	national	ADJ
easat-9942	105	19	financing	financing	NOUN
easat-9942	105	20	system	system	NOUN
easat-9942	105	21	.	.	PUNCT
easat-9942	106	1	thus	thus	ADV
easat-9942	106	2	,	,	PUNCT
easat-9942	106	3	the	the	DET
easat-9942	106	4	performance	performance	NOUN
easat-9942	106	5	guarantee	guarantee	NOUN
easat-9942	106	6	system	system	NOUN
easat-9942	106	7	is	be	AUX
easat-9942	106	8	not	not	PART
easat-9942	106	9	only	only	ADV
easat-9942	106	10	intended	intend	VERB
easat-9942	106	11	to	to	PART
easat-9942	106	12	change	change	VERB
easat-9942	106	13	credit	credit	NOUN
easat-9942	106	14	guarantee	guarantee	NOUN
easat-9942	106	15	methods	method	NOUN
easat-9942	106	16	,	,	PUNCT
easat-9942	106	17	but	but	CCONJ
easat-9942	106	18	also	also	ADV
easat-9942	106	19	to	to	PART
easat-9942	106	20	reshape	reshape	VERB
easat-9942	106	21	the	the	DET
easat-9942	106	22	way	way	NOUN
easat-9942	106	23	of	of	ADP
easat-9942	106	24	thinking	thinking	NOUN
easat-9942	106	25	,	,	PUNCT
easat-9942	106	26	doing	do	VERB
easat-9942	106	27	business	business	NOUN
easat-9942	106	28	,	,	PUNCT
easat-9942	106	29	and	and	CCONJ
easat-9942	106	30	being	be	AUX
easat-9942	106	31	responsible	responsible	ADJ
easat-9942	106	32	in	in	ADP
easat-9942	106	33	the	the	DET
easat-9942	106	34	indonesian	indonesian	ADJ
easat-9942	106	35	banking	banking	NOUN
easat-9942	106	36	sector	sector	NOUN
easat-9942	106	37	.	.	PUNCT
easat-9942	107	1	through	through	ADP
easat-9942	107	2	the	the	DET
easat-9942	107	3	redesign	redesign	NOUN
easat-9942	107	4	of	of	ADP
easat-9942	107	5	the	the	DET
easat-9942	107	6	functions	function	NOUN
easat-9942	107	7	,	,	PUNCT
easat-9942	107	8	objectives	objective	NOUN
easat-9942	107	9	,	,	PUNCT
easat-9942	107	10	and	and	CCONJ
easat-9942	107	11	guarantee	guarantee	NOUN
easat-9942	107	12	system	system	NOUN
easat-9942	107	13	,	,	PUNCT
easat-9942	107	14	national	national	ADJ
easat-9942	107	15	banks	bank	NOUN
easat-9942	107	16	are	be	AUX
easat-9942	107	17	encouraged	encourage	VERB
easat-9942	107	18	to	to	PART
easat-9942	107	19	transform	transform	VERB
easat-9942	107	20	into	into	ADP
easat-9942	107	21	more	more	ADV
easat-9942	107	22	responsive	responsive	ADJ
easat-9942	107	23	,	,	PUNCT
easat-9942	107	24	innovative	innovative	ADJ
easat-9942	107	25	,	,	PUNCT
easat-9942	107	26	and	and	CCONJ
easat-9942	107	27	inclusive	inclusive	ADJ
easat-9942	107	28	institutions	institution	NOUN
easat-9942	107	29	.	.	PUNCT
easat-9942	108	1	these	these	DET
easat-9942	108	2	changes	change	NOUN
easat-9942	108	3	will	will	AUX
easat-9942	108	4	have	have	VERB
easat-9942	108	5	a	a	DET
easat-9942	108	6	systemic	systemic	ADJ
easat-9942	108	7	impact	impact	NOUN
easat-9942	108	8	on	on	ADP
easat-9942	108	9	economic	economic	ADJ
easat-9942	108	10	stability	stability	NOUN
easat-9942	108	11	,	,	PUNCT
easat-9942	108	12	financial	financial	ADJ
easat-9942	108	13	inclusion	inclusion	NOUN
easat-9942	108	14	,	,	PUNCT
easat-9942	108	15	and	and	CCONJ
easat-9942	108	16	national	national	ADJ
easat-9942	108	17	competitiveness	competitiveness	NOUN
easat-9942	108	18	.	.	PUNCT
easat-9942	109	1	this	this	DET
easat-9942	109	2	reform	reform	NOUN
easat-9942	109	3	must	must	AUX
easat-9942	109	4	be	be	AUX
easat-9942	109	5	part	part	NOUN
easat-9942	109	6	of	of	ADP
easat-9942	109	7	indonesia	indonesia	PROPN
easat-9942	109	8	's	's	PART
easat-9942	109	9	future	future	ADJ
easat-9942	109	10	economic	economic	ADJ
easat-9942	109	11	development	development	NOUN
easat-9942	109	12	strategy	strategy	NOUN
easat-9942	109	13	,	,	PUNCT
easat-9942	109	14	especially	especially	ADV
easat-9942	109	15	in	in	ADP
easat-9942	109	16	the	the	DET
easat-9942	109	17	face	face	NOUN
easat-9942	109	18	of	of	ADP
easat-9942	109	19	global	global	ADJ
easat-9942	109	20	competition	competition	NOUN
easat-9942	109	21	and	and	CCONJ
easat-9942	109	22	digital	digital	ADJ
easat-9942	109	23	integration	integration	NOUN
easat-9942	109	24	.	.	PUNCT
easat-9942	110	1	therefore	therefore	ADV
easat-9942	110	2	,	,	PUNCT
easat-9942	110	3	the	the	DET
easat-9942	110	4	successful	successful	ADJ
easat-9942	110	5	implementation	implementation	NOUN
easat-9942	110	6	of	of	ADP
easat-9942	110	7	the	the	DET
easat-9942	110	8	performance	performance	NOUN
easat-9942	110	9	guarantee	guarantee	NOUN
easat-9942	110	10	system	system	NOUN
easat-9942	110	11	will	will	AUX
easat-9942	110	12	be	be	AUX
easat-9942	110	13	a	a	DET
easat-9942	110	14	benchmark	benchmark	NOUN
easat-9942	110	15	for	for	ADP
easat-9942	110	16	the	the	DET
easat-9942	110	17	extent	extent	NOUN
easat-9942	110	18	to	to	PART
easat-9942	110	19	which	which	PRON
easat-9942	110	20	this	this	DET
easat-9942	110	21	nation	nation	NOUN
easat-9942	110	22	is	be	AUX
easat-9942	110	23	able	able	ADJ
easat-9942	110	24	to	to	PART
easat-9942	110	25	build	build	VERB
easat-9942	110	26	a	a	DET
easat-9942	110	27	banking	banking	NOUN
easat-9942	110	28	system	system	NOUN
easat-9942	110	29	based	base	VERB
easat-9942	110	30	on	on	ADP
easat-9942	110	31	fairness	fairness	NOUN
easat-9942	110	32	,	,	PUNCT
easat-9942	110	33	accountability	accountability	NOUN
easat-9942	110	34	,	,	PUNCT
easat-9942	110	35	and	and	CCONJ
easat-9942	110	36	sustainability	sustainability	NOUN
easat-9942	110	37	.	.	PUNCT
easat-9942	111	1	the	the	DET
easat-9942	111	2	future	future	NOUN
easat-9942	111	3	of	of	ADP
easat-9942	111	4	indonesia	indonesia	PROPN
easat-9942	111	5	's	's	PART
easat-9942	111	6	financial	financial	ADJ
easat-9942	111	7	system	system	NOUN
easat-9942	111	8	lies	lie	VERB
easat-9942	111	9	in	in	ADP
easat-9942	111	10	our	our	PRON
easat-9942	111	11	courage	courage	NOUN
easat-9942	111	12	to	to	PART
easat-9942	111	13	transform	transform	VERB
easat-9942	111	14	today	today	NOUN
easat-9942	111	15	.	.	PUNCT
easat-9942	112	1	1.1	1.1	NUM
easat-9942	112	2	.	.	PUNCT
easat-9942	113	1	the	the	DET
easat-9942	113	2	position	position	NOUN
easat-9942	113	3	of	of	ADP
easat-9942	113	4	indonesian	indonesian	ADJ
easat-9942	113	5	banks	bank	NOUN
easat-9942	113	6	in	in	ADP
easat-9942	113	7	credit	credit	NOUN
easat-9942	113	8	distribution	distribution	NOUN
easat-9942	113	9	for	for	ADP
easat-9942	113	10	large	large	ADJ
easat-9942	113	11	-	-	PUNCT
easat-9942	113	12	scale	scale	NOUN
easat-9942	113	13	project	project	NOUN
easat-9942	113	14	financing	financing	NOUN
easat-9942	113	15	compared	compare	VERB
easat-9942	113	16	to	to	ADP
easat-9942	113	17	banks	bank	NOUN
easat-9942	113	18	in	in	ADP
easat-9942	113	19	singapore	singapore	PROPN
easat-9942	113	20	and	and	CCONJ
easat-9942	113	21	malaysia	malaysia	PROPN
easat-9942	113	22	in	in	ADP
easat-9942	113	23	the	the	DET
easat-9942	113	24	era	era	NOUN
easat-9942	113	25	of	of	ADP
easat-9942	113	26	the	the	DET
easat-9942	113	27	4.0	4.0	NUM
easat-9942	113	28	industrial	industrial	ADJ
easat-9942	113	29	revolution	revolution	NOUN
easat-9942	113	30	,	,	PUNCT
easat-9942	113	31	rapid	rapid	ADJ
easat-9942	113	32	technological	technological	ADJ
easat-9942	113	33	advances	advance	NOUN
easat-9942	113	34	have	have	AUX
easat-9942	113	35	prompted	prompt	VERB
easat-9942	113	36	corporations	corporation	NOUN
easat-9942	113	37	to	to	PART
easat-9942	113	38	make	make	VERB
easat-9942	113	39	fundamental	fundamental	ADJ
easat-9942	113	40	changes	change	NOUN
easat-9942	113	41	to	to	ADP
easat-9942	113	42	their	their	PRON
easat-9942	113	43	business	business	NOUN
easat-9942	113	44	models	model	NOUN
easat-9942	113	45	in	in	ADP
easat-9942	113	46	order	order	NOUN
easat-9942	113	47	to	to	PART
easat-9942	113	48	survive	survive	VERB
easat-9942	113	49	and	and	CCONJ
easat-9942	113	50	compete	compete	VERB
easat-9942	113	51	.	.	PUNCT
easat-9942	114	1	today	today	NOUN
easat-9942	114	2	's	's	PART
easat-9942	114	3	companies	company	NOUN
easat-9942	114	4	are	be	AUX
easat-9942	114	5	no	no	ADV
easat-9942	114	6	longer	long	ADV
easat-9942	114	7	judged	judge	VERB
easat-9942	114	8	by	by	ADP
easat-9942	114	9	the	the	DET
easat-9942	114	10	size	size	NOUN
easat-9942	114	11	of	of	ADP
easat-9942	114	12	their	their	PRON
easat-9942	114	13	capital	capital	NOUN
easat-9942	114	14	or	or	CCONJ
easat-9942	114	15	the	the	DET
easat-9942	114	16	number	number	NOUN
easat-9942	114	17	of	of	ADP
easat-9942	114	18	business	business	NOUN
easat-9942	114	19	areas	area	NOUN
easat-9942	114	20	they	they	PRON
easat-9942	114	21	operate	operate	VERB
easat-9942	114	22	in	in	ADP
easat-9942	114	23	,	,	PUNCT
easat-9942	114	24	but	but	CCONJ
easat-9942	114	25	by	by	ADP
easat-9942	114	26	their	their	PRON
easat-9942	114	27	ability	ability	NOUN
easat-9942	114	28	to	to	PART
easat-9942	114	29	adapt	adapt	VERB
easat-9942	114	30	to	to	PART
easat-9942	114	31	change	change	VERB
easat-9942	114	32	and	and	CCONJ
easat-9942	114	33	adopt	adopt	VERB
easat-9942	114	34	the	the	DET
easat-9942	114	35	latest	late	ADJ
easat-9942	114	36	technology	technology	NOUN
easat-9942	114	37	.	.	PUNCT
easat-9942	115	1	smart	smart	ADJ
easat-9942	115	2	industries	industry	NOUN
easat-9942	115	3	,	,	PUNCT
easat-9942	115	4	cyberphysical	cyberphysical	ADJ
easat-9942	115	5	systems	system	NOUN
easat-9942	115	6	,	,	PUNCT
easat-9942	115	7	and	and	CCONJ
easat-9942	115	8	a	a	DET
easat-9942	115	9	focus	focus	NOUN
easat-9942	115	10	on	on	ADP
easat-9942	115	11	social	social	ADJ
easat-9942	115	12	responsibility	responsibility	NOUN
easat-9942	115	13	are	be	AUX
easat-9942	115	14	important	important	ADJ
easat-9942	115	15	elements	element	NOUN
easat-9942	115	16	in	in	ADP
easat-9942	115	17	business	business	NOUN
easat-9942	115	18	sustainability	sustainability	NOUN
easat-9942	115	19	[	[	X
easat-9942	115	20	12	12	NUM
easat-9942	115	21	]	]	PUNCT
easat-9942	115	22	.	.	PUNCT
easat-9942	116	1	in	in	ADP
easat-9942	116	2	this	this	DET
easat-9942	116	3	context	context	NOUN
easat-9942	116	4	,	,	PUNCT
easat-9942	116	5	the	the	DET
easat-9942	116	6	banking	banking	NOUN
easat-9942	116	7	system	system	NOUN
easat-9942	116	8	is	be	AUX
easat-9942	116	9	required	require	VERB
easat-9942	116	10	to	to	PART
easat-9942	116	11	play	play	VERB
easat-9942	116	12	an	an	DET
easat-9942	116	13	active	active	ADJ
easat-9942	116	14	role	role	NOUN
easat-9942	116	15	as	as	ADP
easat-9942	116	16	part	part	NOUN
easat-9942	116	17	of	of	ADP
easat-9942	116	18	the	the	DET
easat-9942	116	19	business	business	NOUN
easat-9942	116	20	support	support	NOUN
easat-9942	116	21	ecosystem	ecosystem	NOUN
easat-9942	116	22	,	,	PUNCT
easat-9942	116	23	rather	rather	ADV
easat-9942	116	24	than	than	ADP
easat-9942	116	25	becoming	become	VERB
easat-9942	116	26	a	a	DET
easat-9942	116	27	bureaucratic	bureaucratic	ADJ
easat-9942	116	28	obstacle	obstacle	NOUN
easat-9942	116	29	.	.	PUNCT
easat-9942	117	1	the	the	DET
easat-9942	117	2	conventional	conventional	ADJ
easat-9942	117	3	credit	credit	NOUN
easat-9942	117	4	guarantee	guarantee	NOUN
easat-9942	117	5	system	system	NOUN
easat-9942	117	6	makes	make	VERB
easat-9942	117	7	banks	bank	NOUN
easat-9942	117	8	less	less	ADV
easat-9942	117	9	attractive	attractive	ADJ
easat-9942	117	10	to	to	ADP
easat-9942	117	11	large	large	ADJ
easat-9942	117	12	businesses	business	NOUN
easat-9942	117	13	.	.	PUNCT
easat-9942	118	1	speed	speed	NOUN
easat-9942	118	2	and	and	CCONJ
easat-9942	118	3	efficiency	efficiency	NOUN
easat-9942	118	4	are	be	AUX
easat-9942	118	5	the	the	DET
easat-9942	118	6	main	main	ADJ
easat-9942	118	7	requirements	requirement	NOUN
easat-9942	118	8	of	of	ADP
easat-9942	118	9	today	today	NOUN
easat-9942	118	10	's	's	PART
easat-9942	118	11	business	business	NOUN
easat-9942	118	12	world	world	NOUN
easat-9942	118	13	.	.	PUNCT
easat-9942	119	1	therefore	therefore	ADV
easat-9942	119	2	,	,	PUNCT
easat-9942	119	3	indonesian	indonesian	ADJ
easat-9942	119	4	banks	bank	NOUN
easat-9942	119	5	need	need	VERB
easat-9942	119	6	to	to	PART
easat-9942	119	7	immediately	immediately	ADV
easat-9942	119	8	adapt	adapt	VERB
easat-9942	119	9	to	to	ADP
easat-9942	119	10	the	the	DET
easat-9942	119	11	changing	change	VERB
easat-9942	119	12	times	time	NOUN
easat-9942	119	13	by	by	ADP
easat-9942	119	14	carrying	carry	VERB
easat-9942	119	15	out	out	ADP
easat-9942	119	16	comprehensive	comprehensive	ADJ
easat-9942	119	17	reforms	reform	NOUN
easat-9942	119	18	[	[	X
easat-9942	119	19	13	13	NUM
easat-9942	119	20	]	]	PUNCT
easat-9942	119	21	.	.	PUNCT
easat-9942	120	1	as	as	ADP
easat-9942	120	2	intermediary	intermediary	ADJ
easat-9942	120	3	institutions	institution	NOUN
easat-9942	120	4	,	,	PUNCT
easat-9942	120	5	banks	bank	NOUN
easat-9942	120	6	play	play	VERB
easat-9942	120	7	a	a	DET
easat-9942	120	8	vital	vital	ADJ
easat-9942	120	9	role	role	NOUN
easat-9942	120	10	in	in	ADP
easat-9942	120	11	channeling	channel	VERB
easat-9942	120	12	funds	fund	NOUN
easat-9942	120	13	to	to	ADP
easat-9942	120	14	productive	productive	ADJ
easat-9942	120	15	sectors	sector	NOUN
easat-9942	120	16	and	and	CCONJ
easat-9942	120	17	driving	drive	VERB
easat-9942	120	18	economic	economic	ADJ
easat-9942	120	19	growth	growth	NOUN
easat-9942	120	20	.	.	PUNCT
easat-9942	121	1	unfortunately	unfortunately	ADV
easat-9942	121	2	,	,	PUNCT
easat-9942	121	3	the	the	DET
easat-9942	121	4	credit	credit	NOUN
easat-9942	121	5	guarantee	guarantee	NOUN
easat-9942	121	6	system	system	NOUN
easat-9942	121	7	implemented	implement	VERB
easat-9942	121	8	in	in	ADP
easat-9942	121	9	indonesia	indonesia	PROPN
easat-9942	121	10	still	still	ADV
easat-9942	121	11	burdens	burden	VERB
easat-9942	121	12	debtors	debtor	NOUN
easat-9942	121	13	with	with	ADP
easat-9942	121	14	high	high	ADJ
easat-9942	121	15	collateral	collateral	ADJ
easat-9942	121	16	requirements	requirement	NOUN
easat-9942	121	17	and	and	CCONJ
easat-9942	121	18	lengthy	lengthy	ADJ
easat-9942	121	19	administrative	administrative	ADJ
easat-9942	121	20	processes	process	NOUN
easat-9942	121	21	.	.	PUNCT
easat-9942	122	1	these	these	DET
easat-9942	122	2	procedures	procedure	NOUN
easat-9942	122	3	are	be	AUX
easat-9942	122	4	not	not	PART
easat-9942	122	5	in	in	ADP
easat-9942	122	6	line	line	NOUN
easat-9942	122	7	with	with	ADP
easat-9942	122	8	the	the	DET
easat-9942	122	9	principles	principle	NOUN
easat-9942	122	10	of	of	ADP
easat-9942	122	11	efficiency	efficiency	NOUN
easat-9942	122	12	required	require	VERB
easat-9942	122	13	by	by	ADP
easat-9942	122	14	large	large	ADJ
easat-9942	122	15	companies	company	NOUN
easat-9942	122	16	in	in	ADP
easat-9942	122	17	the	the	DET
easat-9942	122	18	digital	digital	ADJ
easat-9942	122	19	era	era	NOUN
easat-9942	122	20	[	[	X
easat-9942	122	21	14	14	NUM
easat-9942	122	22	]	]	PUNCT
easat-9942	122	23	.	.	PUNCT
easat-9942	123	1	meanwhile	meanwhile	ADV
easat-9942	123	2	,	,	PUNCT
easat-9942	123	3	non	non	ADJ
easat-9942	123	4	-	-	ADJ
easat-9942	123	5	bank	bank	ADJ
easat-9942	123	6	financial	financial	ADJ
easat-9942	123	7	institutions	institution	NOUN
easat-9942	123	8	such	such	ADJ
easat-9942	123	9	as	as	ADP
easat-9942	123	10	fintech	fintech	NOUN
easat-9942	123	11	have	have	AUX
easat-9942	123	12	offered	offer	VERB
easat-9942	123	13	more	more	ADV
easat-9942	123	14	flexible	flexible	ADJ
easat-9942	123	15	,	,	PUNCT
easat-9942	123	16	faster	fast	ADV
easat-9942	123	17	,	,	PUNCT
easat-9942	123	18	and	and	CCONJ
easat-9942	123	19	less	less	ADV
easat-9942	123	20	bureaucratic	bureaucratic	ADJ
easat-9942	123	21	financing	financing	NOUN
easat-9942	123	22	models	model	NOUN
easat-9942	123	23	.	.	PUNCT
easat-9942	124	1	this	this	PRON
easat-9942	124	2	poses	pose	VERB
easat-9942	124	3	a	a	DET
easat-9942	124	4	serious	serious	ADJ
easat-9942	124	5	threat	threat	NOUN
easat-9942	124	6	to	to	ADP
easat-9942	124	7	conventional	conventional	ADJ
easat-9942	124	8	banking	banking	NOUN
easat-9942	124	9	.	.	PUNCT
easat-9942	125	1	performancebased	performancebase	VERB
easat-9942	125	2	guarantees	guarantee	NOUN
easat-9942	125	3	and	and	CCONJ
easat-9942	125	4	business	business	NOUN
easat-9942	125	5	track	track	NOUN
easat-9942	125	6	records	record	NOUN
easat-9942	125	7	are	be	AUX
easat-9942	125	8	approaches	approach	NOUN
easat-9942	125	9	that	that	PRON
easat-9942	125	10	are	be	AUX
easat-9942	125	11	more	more	ADV
easat-9942	125	12	in	in	ADP
easat-9942	125	13	line	line	NOUN
easat-9942	125	14	with	with	ADP
easat-9942	125	15	the	the	DET
easat-9942	125	16	dynamics	dynamic	NOUN
easat-9942	125	17	of	of	ADP
easat-9942	125	18	modern	modern	ADJ
easat-9942	125	19	business	business	NOUN
easat-9942	125	20	.	.	PUNCT
easat-9942	126	1	however	however	ADV
easat-9942	126	2	,	,	PUNCT
easat-9942	126	3	this	this	DET
easat-9942	126	4	approach	approach	NOUN
easat-9942	126	5	does	do	AUX
easat-9942	126	6	not	not	PART
easat-9942	126	7	yet	yet	ADV
easat-9942	126	8	have	have	VERB
easat-9942	126	9	a	a	DET
easat-9942	126	10	strong	strong	ADJ
easat-9942	126	11	legal	legal	ADJ
easat-9942	126	12	basis	basis	NOUN
easat-9942	126	13	in	in	ADP
easat-9942	126	14	indonesia	indonesia	PROPN
easat-9942	126	15	.	.	PUNCT
easat-9942	127	1	the	the	DET
easat-9942	127	2	ojk	ojk	NOUN
easat-9942	127	3	,	,	PUNCT
easat-9942	127	4	as	as	ADP
easat-9942	127	5	the	the	DET
easat-9942	127	6	authority	authority	NOUN
easat-9942	127	7	,	,	PUNCT
easat-9942	127	8	needs	need	VERB
easat-9942	127	9	to	to	PART
easat-9942	127	10	move	move	VERB
easat-9942	127	11	quickly	quickly	ADV
easat-9942	127	12	to	to	PART
easat-9942	127	13	formulate	formulate	VERB
easat-9942	127	14	supporting	support	VERB
easat-9942	127	15	regulations	regulation	NOUN
easat-9942	127	16	[	[	X
easat-9942	127	17	15	15	NUM
easat-9942	127	18	]	]	PUNCT
easat-9942	127	19	.	.	PUNCT
easat-9942	128	1	advances	advance	NOUN
easat-9942	128	2	in	in	ADP
easat-9942	128	3	information	information	NOUN
easat-9942	128	4	technology	technology	NOUN
easat-9942	128	5	have	have	AUX
easat-9942	128	6	given	give	VERB
easat-9942	128	7	rise	rise	NOUN
easat-9942	128	8	to	to	ADP
easat-9942	128	9	various	various	ADJ
easat-9942	128	10	forms	form	NOUN
easat-9942	128	11	of	of	ADP
easat-9942	128	12	alternative	alternative	ADJ
easat-9942	128	13	financing	financing	NOUN
easat-9942	128	14	such	such	ADJ
easat-9942	128	15	as	as	ADP
easat-9942	128	16	crowdfunding	crowdfunding	NOUN
easat-9942	128	17	and	and	CCONJ
easat-9942	128	18	peer	peer	NOUN
easat-9942	128	19	-	-	PUNCT
easat-9942	128	20	to	to	ADP
easat-9942	128	21	-	-	PUNCT
easat-9942	128	22	peer	peer	NOUN
easat-9942	128	23	lending	lending	NOUN
easat-9942	128	24	.	.	PUNCT
easat-9942	129	1	these	these	DET
easat-9942	129	2	systems	system	NOUN
easat-9942	129	3	allow	allow	VERB
easat-9942	129	4	people	people	NOUN
easat-9942	129	5	to	to	PART
easat-9942	129	6	provide	provide	VERB
easat-9942	129	7	financing	financing	NOUN
easat-9942	129	8	to	to	ADP
easat-9942	129	9	each	each	DET
easat-9942	129	10	other	other	ADJ
easat-9942	129	11	without	without	ADP
easat-9942	129	12	going	go	VERB
easat-9942	129	13	through	through	ADP
easat-9942	129	14	conventional	conventional	ADJ
easat-9942	129	15	banking	banking	NOUN
easat-9942	129	16	procedures	procedure	NOUN
easat-9942	129	17	[	[	X
easat-9942	129	18	16	16	NUM
easat-9942	129	19	]	]	PUNCT
easat-9942	129	20	.	.	PUNCT
easat-9942	130	1	although	although	SCONJ
easat-9942	130	2	there	there	PRON
easat-9942	130	3	are	be	VERB
easat-9942	130	4	still	still	ADV
easat-9942	130	5	challenges	challenge	NOUN
easat-9942	130	6	in	in	ADP
easat-9942	130	7	terms	term	NOUN
easat-9942	130	8	of	of	ADP
easat-9942	130	9	legal	legal	ADJ
easat-9942	130	10	and	and	CCONJ
easat-9942	130	11	data	datum	NOUN
easat-9942	130	12	security	security	NOUN
easat-9942	130	13	,	,	PUNCT
easat-9942	130	14	flexibility	flexibility	NOUN
easat-9942	130	15	and	and	CCONJ
easat-9942	130	16	efficiency	efficiency	NOUN
easat-9942	130	17	are	be	AUX
easat-9942	130	18	the	the	DET
easat-9942	130	19	main	main	ADJ
easat-9942	130	20	values	value	NOUN
easat-9942	130	21	offered	offer	VERB
easat-9942	130	22	.	.	PUNCT
easat-9942	131	1	on	on	ADP
easat-9942	131	2	the	the	DET
easat-9942	131	3	other	other	ADJ
easat-9942	131	4	hand	hand	NOUN
easat-9942	131	5	,	,	PUNCT
easat-9942	131	6	banks	bank	NOUN
easat-9942	131	7	still	still	ADV
easat-9942	131	8	adhere	adhere	VERB
easat-9942	131	9	to	to	ADP
easat-9942	131	10	traditional	traditional	ADJ
easat-9942	131	11	procedures	procedure	NOUN
easat-9942	131	12	that	that	PRON
easat-9942	131	13	are	be	AUX
easat-9942	131	14	not	not	PART
easat-9942	131	15	adaptive	adaptive	ADJ
easat-9942	131	16	to	to	ADP
easat-9942	131	17	the	the	DET
easat-9942	131	18	times	time	NOUN
easat-9942	131	19	.	.	PUNCT
easat-9942	132	1	this	this	DET
easat-9942	132	2	imbalance	imbalance	NOUN
easat-9942	132	3	makes	make	VERB
easat-9942	132	4	banks	bank	NOUN
easat-9942	132	5	less	less	ADV
easat-9942	132	6	competitive	competitive	ADJ
easat-9942	132	7	,	,	PUNCT
easat-9942	132	8	especially	especially	ADV
easat-9942	132	9	in	in	ADP
easat-9942	132	10	attracting	attract	VERB
easat-9942	132	11	middle	middle	ADJ
easat-9942	132	12	and	and	CCONJ
easat-9942	132	13	upper	upper	ADJ
easat-9942	132	14	class	class	NOUN
easat-9942	132	15	customers	customer	NOUN
easat-9942	132	16	.	.	PUNCT
easat-9942	133	1	business	business	NOUN
easat-9942	133	2	reengineering	reengineering	NOUN
easat-9942	133	3	is	be	AUX
easat-9942	133	4	an	an	DET
easat-9942	133	5	urgent	urgent	ADJ
easat-9942	133	6	need	need	NOUN
easat-9942	133	7	to	to	PART
easat-9942	133	8	update	update	VERB
easat-9942	133	9	bank	bank	NOUN
easat-9942	133	10	business	business	NOUN
easat-9942	133	11	processes	process	NOUN
easat-9942	133	12	to	to	PART
easat-9942	133	13	remain	remain	VERB
easat-9942	133	14	relevant	relevant	ADJ
easat-9942	133	15	.	.	PUNCT
easat-9942	134	1	if	if	SCONJ
easat-9942	134	2	this	this	PRON
easat-9942	134	3	is	be	AUX
easat-9942	134	4	not	not	PART
easat-9942	134	5	done	do	VERB
easat-9942	134	6	immediately	immediately	ADV
easat-9942	134	7	,	,	PUNCT
easat-9942	134	8	banking	banking	NOUN
easat-9942	134	9	institutions	institution	NOUN
easat-9942	134	10	risk	risk	NOUN
easat-9942	134	11	being	be	AUX
easat-9942	134	12	abandoned	abandon	VERB
easat-9942	134	13	by	by	ADP
easat-9942	134	14	large	large	ADJ
easat-9942	134	15	business	business	NOUN
easat-9942	134	16	players	player	NOUN
easat-9942	134	17	[	[	X
easat-9942	134	18	17	17	NUM
easat-9942	134	19	]	]	PUNCT
easat-9942	134	20	.	.	PUNCT
easat-9942	135	1	one	one	NUM
easat-9942	135	2	form	form	NOUN
easat-9942	135	3	of	of	ADP
easat-9942	135	4	business	business	NOUN
easat-9942	135	5	reengineering	reengineering	NOUN
easat-9942	135	6	is	be	AUX
easat-9942	135	7	the	the	DET
easat-9942	135	8	development	development	NOUN
easat-9942	135	9	of	of	ADP
easat-9942	135	10	a	a	DET
easat-9942	135	11	dataand	dataand	NOUN
easat-9942	135	12	business	business	NOUN
easat-9942	135	13	performance	performance	NOUN
easat-9942	135	14	-	-	PUNCT
easat-9942	135	15	based	base	VERB
easat-9942	135	16	guarantee	guarantee	NOUN
easat-9942	135	17	system	system	NOUN
easat-9942	135	18	(	(	PUNCT
easat-9942	135	19	table	table	NOUN
easat-9942	135	20	1	1	NUM
easat-9942	135	21	.	.	PUNCT
easat-9942	135	22	)	)	PUNCT
easat-9942	135	23	.	.	PUNCT
easat-9942	136	1	however	however	ADV
easat-9942	136	2	,	,	PUNCT
easat-9942	136	3	in	in	ADP
easat-9942	136	4	reality	reality	NOUN
easat-9942	136	5	,	,	PUNCT
easat-9942	136	6	the	the	DET
easat-9942	136	7	implementation	implementation	NOUN
easat-9942	136	8	of	of	ADP
easat-9942	136	9	this	this	DET
easat-9942	136	10	system	system	NOUN
easat-9942	136	11	in	in	ADP
easat-9942	136	12	indonesia	indonesia	PROPN
easat-9942	136	13	is	be	AUX
easat-9942	136	14	still	still	ADV
easat-9942	136	15	very	very	ADV
easat-9942	136	16	limited	limited	ADJ
easat-9942	136	17	.	.	PUNCT
easat-9942	137	1	for	for	ADP
easat-9942	137	2	example	example	NOUN
easat-9942	137	3	,	,	PUNCT
easat-9942	137	4	the	the	DET
easat-9942	137	5	fiduciary	fiduciary	ADJ
easat-9942	137	6	registration	registration	NOUN
easat-9942	137	7	system	system	NOUN
easat-9942	137	8	at	at	ADP
easat-9942	137	9	the	the	DET
easat-9942	137	10	ministry	ministry	PROPN
easat-9942	137	11	of	of	ADP
easat-9942	137	12	law	law	PROPN
easat-9942	137	13	and	and	CCONJ
easat-9942	137	14	human	human	ADJ
easat-9942	137	15	rights	right	NOUN
easat-9942	137	16	765	765	NUM
easat-9942	137	17	edelweiss	edelweiss	PROPN
easat-9942	137	18	applied	apply	VERB
easat-9942	137	19	science	science	NOUN
easat-9942	137	20	and	and	CCONJ
easat-9942	137	21	technology	technology	NOUN
easat-9942	137	22	issn	issn	PROPN
easat-9942	137	23	:	:	PUNCT
easat-9942	137	24	2576	2576	NUM
easat-9942	137	25	-	-	SYM
easat-9942	137	26	8484	8484	NUM
easat-9942	137	27	vol	vol	NOUN
easat-9942	137	28	.	.	PROPN
easat-9942	138	1	9	9	NUM
easat-9942	138	2	,	,	PUNCT
easat-9942	138	3	no	no	INTJ
easat-9942	138	4	.	.	NOUN
easat-9942	138	5	9	9	NUM
easat-9942	138	6	:	:	PUNCT
easat-9942	138	7	761	761	NUM
easat-9942	138	8	-	-	SYM
easat-9942	138	9	773	773	NUM
easat-9942	138	10	,	,	PUNCT
easat-9942	138	11	2025	2025	NUM
easat-9942	138	12	doi	doi	NOUN
easat-9942	138	13	:	:	PUNCT
easat-9942	138	14	10.55214/2576	10.55214/2576	NUM
easat-9942	138	15	-	-	PUNCT
easat-9942	138	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	138	17	©	©	ADP
easat-9942	138	18	2025	2025	NUM
easat-9942	138	19	by	by	ADP
easat-9942	138	20	the	the	DET
easat-9942	138	21	authors	author	NOUN
easat-9942	138	22	;	;	PUNCT
easat-9942	138	23	licensee	licensee	PROPN
easat-9942	138	24	learning	learning	NOUN
easat-9942	138	25	gate	gate	NOUN
easat-9942	138	26	is	be	AUX
easat-9942	138	27	still	still	ADV
easat-9942	138	28	in	in	ADP
easat-9942	138	29	the	the	DET
easat-9942	138	30	early	early	ADJ
easat-9942	138	31	stages	stage	NOUN
easat-9942	138	32	of	of	ADP
easat-9942	138	33	digitization	digitization	NOUN
easat-9942	138	34	and	and	CCONJ
easat-9942	138	35	has	have	AUX
easat-9942	138	36	not	not	PART
easat-9942	138	37	yet	yet	ADV
easat-9942	138	38	touched	touch	VERB
easat-9942	138	39	on	on	ADP
easat-9942	138	40	the	the	DET
easat-9942	138	41	substance	substance	NOUN
easat-9942	138	42	of	of	ADP
easat-9942	138	43	the	the	DET
easat-9942	138	44	credit	credit	NOUN
easat-9942	138	45	agreement	agreement	NOUN
easat-9942	138	46	process	process	NOUN
easat-9942	138	47	[	[	X
easat-9942	138	48	18	18	NUM
easat-9942	138	49	]	]	PUNCT
easat-9942	138	50	.	.	PUNCT
easat-9942	139	1	large	large	ADJ
easat-9942	139	2	companies	company	NOUN
easat-9942	139	3	that	that	PRON
easat-9942	139	4	operate	operate	VERB
easat-9942	139	5	digitally	digitally	ADV
easat-9942	139	6	require	require	VERB
easat-9942	139	7	fast	fast	ADJ
easat-9942	139	8	and	and	CCONJ
easat-9942	139	9	efficient	efficient	ADJ
easat-9942	139	10	processes	process	NOUN
easat-9942	139	11	,	,	PUNCT
easat-9942	139	12	which	which	DET
easat-9942	139	13	conventional	conventional	ADJ
easat-9942	139	14	guarantee	guarantee	NOUN
easat-9942	139	15	systems	system	NOUN
easat-9942	139	16	can	can	AUX
easat-9942	139	17	not	not	PART
easat-9942	139	18	yet	yet	ADV
easat-9942	139	19	fulfill	fulfill	VERB
easat-9942	139	20	.	.	PUNCT
easat-9942	140	1	as	as	ADP
easat-9942	140	2	a	a	DET
easat-9942	140	3	result	result	NOUN
easat-9942	140	4	,	,	PUNCT
easat-9942	140	5	they	they	PRON
easat-9942	140	6	choose	choose	VERB
easat-9942	140	7	more	more	ADV
easat-9942	140	8	flexible	flexible	ADJ
easat-9942	140	9	foreign	foreign	ADJ
easat-9942	140	10	financing	financing	NOUN
easat-9942	140	11	institutions	institution	NOUN
easat-9942	140	12	.	.	PUNCT
easat-9942	141	1	this	this	PRON
easat-9942	141	2	indicates	indicate	VERB
easat-9942	141	3	the	the	DET
easat-9942	141	4	potential	potential	ADJ
easat-9942	141	5	loss	loss	NOUN
easat-9942	141	6	of	of	ADP
easat-9942	141	7	strategic	strategic	ADJ
easat-9942	141	8	customers	customer	NOUN
easat-9942	141	9	for	for	ADP
easat-9942	141	10	national	national	ADJ
easat-9942	141	11	banks	bank	NOUN
easat-9942	141	12	.	.	PUNCT
easat-9942	142	1	therefore	therefore	ADV
easat-9942	142	2	,	,	PUNCT
easat-9942	142	3	performance	performance	NOUN
easat-9942	142	4	guarantee	guarantee	NOUN
easat-9942	142	5	systems	system	NOUN
easat-9942	142	6	must	must	AUX
easat-9942	142	7	be	be	AUX
easat-9942	142	8	formally	formally	ADV
easat-9942	142	9	institutionalized	institutionalize	VERB
easat-9942	142	10	so	so	SCONJ
easat-9942	142	11	that	that	SCONJ
easat-9942	142	12	banks	bank	NOUN
easat-9942	142	13	can	can	AUX
easat-9942	142	14	provide	provide	VERB
easat-9942	142	15	services	service	NOUN
easat-9942	142	16	in	in	ADP
easat-9942	142	17	line	line	NOUN
easat-9942	142	18	with	with	ADP
easat-9942	142	19	the	the	DET
easat-9942	142	20	needs	need	NOUN
easat-9942	142	21	of	of	ADP
easat-9942	142	22	the	the	DET
easat-9942	142	23	business	business	NOUN
easat-9942	142	24	world	world	NOUN
easat-9942	143	1	[	[	X
easat-9942	143	2	19	19	NUM
easat-9942	143	3	]	]	PUNCT
easat-9942	143	4	.	.	PUNCT
easat-9942	144	1	field	field	NOUN
easat-9942	144	2	research	research	NOUN
easat-9942	144	3	at	at	ADP
easat-9942	144	4	bank	bank	NOUN
easat-9942	144	5	mandiri	mandiri	NOUN
easat-9942	144	6	and	and	CCONJ
easat-9942	144	7	bank	bank	PROPN
easat-9942	144	8	panin	panin	PROPN
easat-9942	144	9	shows	show	VERB
easat-9942	144	10	that	that	SCONJ
easat-9942	144	11	although	although	SCONJ
easat-9942	144	12	performance	performance	NOUN
easat-9942	144	13	guarantees	guarantee	NOUN
easat-9942	144	14	are	be	AUX
easat-9942	144	15	beginning	begin	VERB
easat-9942	144	16	to	to	PART
easat-9942	144	17	be	be	AUX
easat-9942	144	18	considered	consider	VERB
easat-9942	144	19	,	,	PUNCT
easat-9942	144	20	both	both	DET
easat-9942	144	21	banks	bank	NOUN
easat-9942	144	22	still	still	ADV
easat-9942	144	23	require	require	VERB
easat-9942	144	24	collateral	collateral	NOUN
easat-9942	144	25	as	as	ADP
easat-9942	144	26	a	a	DET
easat-9942	144	27	main	main	ADJ
easat-9942	144	28	condition	condition	NOUN
easat-9942	144	29	.	.	PUNCT
easat-9942	145	1	in	in	ADP
easat-9942	145	2	practice	practice	NOUN
easat-9942	145	3	,	,	PUNCT
easat-9942	145	4	the	the	DET
easat-9942	145	5	debt	debt	NOUN
easat-9942	145	6	ratio	ratio	NOUN
easat-9942	145	7	and	and	CCONJ
easat-9942	145	8	fixed	fix	VERB
easat-9942	145	9	asset	asset	NOUN
easat-9942	145	10	value	value	NOUN
easat-9942	145	11	are	be	AUX
easat-9942	145	12	still	still	ADV
easat-9942	145	13	the	the	DET
easat-9942	145	14	main	main	ADJ
easat-9942	145	15	references	reference	NOUN
easat-9942	145	16	in	in	ADP
easat-9942	145	17	granting	grant	VERB
easat-9942	145	18	credit	credit	NOUN
easat-9942	145	19	[	[	X
easat-9942	145	20	20	20	NUM
easat-9942	145	21	]	]	PUNCT
easat-9942	145	22	.	.	PUNCT
easat-9942	146	1	indicators	indicator	NOUN
easat-9942	146	2	such	such	ADJ
easat-9942	146	3	as	as	ADP
easat-9942	146	4	turnover	turnover	NOUN
easat-9942	146	5	,	,	PUNCT
easat-9942	146	6	pre	pre	ADJ
easat-9942	146	7	-	-	NOUN
easat-9942	146	8	orders	order	NOUN
easat-9942	146	9	,	,	PUNCT
easat-9942	146	10	and	and	CCONJ
easat-9942	146	11	invoices	invoice	NOUN
easat-9942	146	12	are	be	AUX
easat-9942	146	13	used	use	VERB
easat-9942	146	14	only	only	ADV
easat-9942	146	15	as	as	ADP
easat-9942	146	16	supplements	supplement	NOUN
easat-9942	146	17	and	and	CCONJ
easat-9942	146	18	have	have	AUX
easat-9942	146	19	not	not	PART
easat-9942	146	20	replaced	replace	VERB
easat-9942	146	21	conventional	conventional	ADJ
easat-9942	146	22	guarantees	guarantee	NOUN
easat-9942	146	23	.	.	PUNCT
easat-9942	147	1	this	this	PRON
easat-9942	147	2	is	be	AUX
easat-9942	147	3	because	because	SCONJ
easat-9942	147	4	there	there	PRON
easat-9942	147	5	are	be	VERB
easat-9942	147	6	no	no	DET
easat-9942	147	7	explicit	explicit	ADJ
easat-9942	147	8	regulations	regulation	NOUN
easat-9942	147	9	governing	govern	VERB
easat-9942	147	10	the	the	DET
easat-9942	147	11	use	use	NOUN
easat-9942	147	12	of	of	ADP
easat-9942	147	13	performance	performance	NOUN
easat-9942	147	14	guarantees	guarantee	NOUN
easat-9942	147	15	.	.	PUNCT
easat-9942	148	1	credit	credit	NOUN
easat-9942	148	2	ratings	rating	NOUN
easat-9942	148	3	from	from	ADP
easat-9942	148	4	independent	independent	ADJ
easat-9942	148	5	institutions	institution	NOUN
easat-9942	148	6	are	be	AUX
easat-9942	148	7	used	use	VERB
easat-9942	148	8	,	,	PUNCT
easat-9942	148	9	but	but	CCONJ
easat-9942	148	10	they	they	PRON
easat-9942	148	11	are	be	AUX
easat-9942	148	12	still	still	ADV
easat-9942	148	13	combined	combine	VERB
easat-9942	148	14	with	with	ADP
easat-9942	148	15	fixed	fix	VERB
easat-9942	148	16	asset	asset	NOUN
easat-9942	148	17	assessments	assessment	NOUN
easat-9942	148	18	.	.	PUNCT
easat-9942	149	1	this	this	DET
easat-9942	149	2	legal	legal	ADJ
easat-9942	149	3	uncertainty	uncertainty	NOUN
easat-9942	149	4	has	have	AUX
easat-9942	149	5	prevented	prevent	VERB
easat-9942	149	6	the	the	DET
easat-9942	149	7	optimal	optimal	ADJ
easat-9942	149	8	implementation	implementation	NOUN
easat-9942	149	9	of	of	ADP
easat-9942	149	10	performance	performance	NOUN
easat-9942	149	11	guarantee	guarantee	NOUN
easat-9942	149	12	systems	system	NOUN
easat-9942	149	13	.	.	PUNCT
easat-9942	150	1	therefore	therefore	ADV
easat-9942	150	2	,	,	PUNCT
easat-9942	150	3	banking	banking	NOUN
easat-9942	150	4	laws	law	NOUN
easat-9942	150	5	need	need	VERB
easat-9942	150	6	to	to	PART
easat-9942	150	7	be	be	AUX
easat-9942	150	8	revised	revise	VERB
easat-9942	150	9	to	to	PART
easat-9942	150	10	be	be	AUX
easat-9942	150	11	more	more	ADV
easat-9942	150	12	adaptive	adaptive	ADJ
easat-9942	150	13	to	to	ADP
easat-9942	150	14	financial	financial	ADJ
easat-9942	150	15	innovation	innovation	NOUN
easat-9942	150	16	[	[	X
easat-9942	150	17	21	21	NUM
easat-9942	150	18	]	]	PUNCT
easat-9942	150	19	.	.	PUNCT
easat-9942	151	1	banks	bank	NOUN
easat-9942	151	2	in	in	ADP
easat-9942	151	3	malaysia	malaysia	PROPN
easat-9942	151	4	and	and	CCONJ
easat-9942	151	5	singapore	singapore	PROPN
easat-9942	151	6	have	have	AUX
easat-9942	151	7	already	already	ADV
easat-9942	151	8	developed	develop	VERB
easat-9942	151	9	modern	modern	ADJ
easat-9942	151	10	and	and	CCONJ
easat-9942	151	11	effective	effective	ADJ
easat-9942	151	12	credit	credit	NOUN
easat-9942	151	13	risk	risk	NOUN
easat-9942	151	14	management	management	NOUN
easat-9942	151	15	systems	system	NOUN
easat-9942	151	16	.	.	PUNCT
easat-9942	152	1	in	in	ADP
easat-9942	152	2	malaysia	malaysia	PROPN
easat-9942	152	3	,	,	PUNCT
easat-9942	152	4	bank	bank	PROPN
easat-9942	152	5	negara	negara	PROPN
easat-9942	152	6	malaysia	malaysia	PROPN
easat-9942	152	7	requires	require	VERB
easat-9942	152	8	banks	bank	NOUN
easat-9942	152	9	to	to	PART
easat-9942	152	10	develop	develop	VERB
easat-9942	152	11	annual	annual	ADJ
easat-9942	152	12	credit	credit	NOUN
easat-9942	152	13	risk	risk	NOUN
easat-9942	152	14	strategies	strategy	NOUN
easat-9942	152	15	that	that	PRON
easat-9942	152	16	consider	consider	VERB
easat-9942	152	17	the	the	DET
easat-9942	152	18	balance	balance	NOUN
easat-9942	152	19	between	between	ADP
easat-9942	152	20	credit	credit	NOUN
easat-9942	152	21	quality	quality	NOUN
easat-9942	152	22	,	,	PUNCT
easat-9942	152	23	profitability	profitability	NOUN
easat-9942	152	24	,	,	PUNCT
easat-9942	152	25	and	and	CCONJ
easat-9942	152	26	growth	growth	NOUN
easat-9942	153	1	[	[	X
easat-9942	153	2	22	22	NUM
easat-9942	153	3	]	]	PUNCT
easat-9942	153	4	.	.	PUNCT
easat-9942	154	1	credit	credit	NOUN
easat-9942	154	2	evaluations	evaluation	NOUN
easat-9942	154	3	are	be	AUX
easat-9942	154	4	conducted	conduct	VERB
easat-9942	154	5	using	use	VERB
easat-9942	154	6	a	a	DET
easat-9942	154	7	scenario	scenario	NOUN
easat-9942	154	8	approach	approach	NOUN
easat-9942	154	9	that	that	PRON
easat-9942	154	10	covers	cover	VERB
easat-9942	154	11	potential	potential	ADJ
easat-9942	154	12	losses	loss	NOUN
easat-9942	154	13	,	,	PUNCT
easat-9942	154	14	not	not	PART
easat-9942	154	15	just	just	ADV
easat-9942	154	16	potential	potential	ADJ
easat-9942	154	17	profits	profit	NOUN
easat-9942	154	18	.	.	PUNCT
easat-9942	155	1	singapore	singapore	NOUN
easat-9942	155	2	implements	implement	VERB
easat-9942	155	3	similar	similar	ADJ
easat-9942	155	4	standards	standard	NOUN
easat-9942	155	5	through	through	ADP
easat-9942	155	6	monetary	monetary	ADJ
easat-9942	155	7	authority	authority	NOUN
easat-9942	155	8	guidelines	guideline	NOUN
easat-9942	155	9	that	that	PRON
easat-9942	155	10	regulate	regulate	VERB
easat-9942	155	11	the	the	DET
easat-9942	155	12	formation	formation	NOUN
easat-9942	155	13	of	of	ADP
easat-9942	155	14	senior	senior	ADJ
easat-9942	155	15	risk	risk	NOUN
easat-9942	155	16	committees	committee	NOUN
easat-9942	155	17	and	and	CCONJ
easat-9942	155	18	periodic	periodic	ADJ
easat-9942	155	19	credit	credit	NOUN
easat-9942	155	20	evaluations	evaluation	NOUN
easat-9942	155	21	[	[	X
easat-9942	155	22	23	23	NUM
easat-9942	155	23	]	]	PUNCT
easat-9942	155	24	.	.	PUNCT
easat-9942	156	1	collateral	collateral	NOUN
easat-9942	156	2	is	be	AUX
easat-9942	156	3	only	only	ADV
easat-9942	156	4	a	a	DET
easat-9942	156	5	supplement	supplement	NOUN
easat-9942	156	6	and	and	CCONJ
easat-9942	156	7	does	do	AUX
easat-9942	156	8	not	not	PART
easat-9942	156	9	replace	replace	VERB
easat-9942	156	10	comprehensive	comprehensive	ADJ
easat-9942	156	11	risk	risk	NOUN
easat-9942	156	12	analysis	analysis	NOUN
easat-9942	156	13	.	.	PUNCT
easat-9942	157	1	this	this	DET
easat-9942	157	2	approach	approach	NOUN
easat-9942	157	3	strengthens	strengthen	VERB
easat-9942	157	4	the	the	DET
easat-9942	157	5	resilience	resilience	NOUN
easat-9942	157	6	of	of	ADP
easat-9942	157	7	the	the	DET
easat-9942	157	8	financial	financial	ADJ
easat-9942	157	9	systems	system	NOUN
easat-9942	157	10	in	in	ADP
easat-9942	157	11	both	both	DET
easat-9942	157	12	countries	country	NOUN
easat-9942	157	13	.	.	PUNCT
easat-9942	158	1	indonesia	indonesia	PROPN
easat-9942	158	2	needs	need	VERB
easat-9942	158	3	to	to	PART
easat-9942	158	4	learn	learn	VERB
easat-9942	158	5	from	from	ADP
easat-9942	158	6	this	this	DET
easat-9942	158	7	model	model	NOUN
easat-9942	158	8	to	to	PART
easat-9942	158	9	improve	improve	VERB
easat-9942	158	10	the	the	DET
easat-9942	158	11	competitiveness	competitiveness	NOUN
easat-9942	158	12	of	of	ADP
easat-9942	158	13	its	its	PRON
easat-9942	158	14	national	national	ADJ
easat-9942	158	15	banking	banking	NOUN
easat-9942	158	16	sector	sector	NOUN
easat-9942	158	17	at	at	ADP
easat-9942	158	18	the	the	DET
easat-9942	158	19	regional	regional	ADJ
easat-9942	158	20	level	level	NOUN
easat-9942	158	21	[	[	X
easat-9942	158	22	24	24	NUM
easat-9942	158	23	]	]	PUNCT
easat-9942	158	24	.	.	PUNCT
easat-9942	159	1	table	table	NOUN
easat-9942	159	2	1	1	NUM
easat-9942	159	3	.	.	NUM
easat-9942	159	4	conventional	conventional	ADJ
easat-9942	159	5	vs.	vs.	ADP
easat-9942	159	6	performance	performance	NOUN
easat-9942	159	7	-	-	PUNCT
easat-9942	159	8	based	base	VERB
easat-9942	159	9	credit	credit	NOUN
easat-9942	159	10	guarantee	guarantee	NOUN
easat-9942	159	11	systems	system	NOUN
easat-9942	159	12	.	.	PUNCT
easat-9942	160	1	aspect	aspect	VERB
easat-9942	160	2	conventional	conventional	ADJ
easat-9942	160	3	guarantee	guarantee	NOUN
easat-9942	160	4	(	(	PUNCT
easat-9942	160	5	collateral	collateral	NOUN
easat-9942	160	6	-	-	PUNCT
easat-9942	160	7	based	base	VERB
easat-9942	160	8	)	)	PUNCT
easat-9942	160	9	performance	performance	NOUN
easat-9942	160	10	-	-	PUNCT
easat-9942	160	11	based	base	VERB
easat-9942	160	12	guarantee	guarantee	NOUN
easat-9942	160	13	main	main	ADJ
easat-9942	160	14	reference	reference	NOUN
easat-9942	160	15	fixed	fix	VERB
easat-9942	160	16	assets	asset	NOUN
easat-9942	160	17	,	,	PUNCT
easat-9942	160	18	debt	debt	NOUN
easat-9942	160	19	ratio	ratio	NOUN
easat-9942	160	20	turnover	turnover	NOUN
easat-9942	160	21	,	,	PUNCT
easat-9942	160	22	invoices	invoice	NOUN
easat-9942	160	23	,	,	PUNCT
easat-9942	160	24	pre	pre	NOUN
easat-9942	160	25	-	-	NOUN
easat-9942	160	26	orders	order	NOUN
easat-9942	160	27	,	,	PUNCT
easat-9942	160	28	financial	financial	ADJ
easat-9942	160	29	ratios	ratio	NOUN
easat-9942	160	30	process	process	VERB
easat-9942	160	31	lengthy	lengthy	ADJ
easat-9942	160	32	,	,	PUNCT
easat-9942	160	33	bureaucratic	bureaucratic	ADJ
easat-9942	160	34	,	,	PUNCT
easat-9942	160	35	asset	asset	NOUN
easat-9942	160	36	-	-	PUNCT
easat-9942	160	37	heavy	heavy	ADV
easat-9942	160	38	faster	fast	ADV
easat-9942	160	39	,	,	PUNCT
easat-9942	160	40	flexible	flexible	ADJ
easat-9942	160	41	,	,	PUNCT
easat-9942	160	42	data	datum	NOUN
easat-9942	160	43	-	-	PUNCT
easat-9942	160	44	driven	drive	VERB
easat-9942	160	45	legal	legal	ADJ
easat-9942	160	46	basis	basis	NOUN
easat-9942	160	47	in	in	ADP
easat-9942	160	48	indonesia	indonesia	PROPN
easat-9942	160	49	strong	strong	ADJ
easat-9942	160	50	,	,	PUNCT
easat-9942	160	51	codified	codify	VERB
easat-9942	160	52	in	in	ADP
easat-9942	160	53	banking	banking	NOUN
easat-9942	160	54	law	law	NOUN
easat-9942	160	55	weak	weak	ADJ
easat-9942	160	56	,	,	PUNCT
easat-9942	160	57	no	no	DET
easat-9942	160	58	explicit	explicit	ADJ
easat-9942	160	59	regulations	regulation	NOUN
easat-9942	160	60	competitiveness	competitiveness	VERB
easat-9942	160	61	less	less	ADV
easat-9942	160	62	adaptive	adaptive	ADJ
easat-9942	160	63	to	to	ADP
easat-9942	160	64	digital	digital	ADJ
easat-9942	160	65	economy	economy	NOUN
easat-9942	160	66	aligned	align	VERB
easat-9942	160	67	with	with	ADP
easat-9942	160	68	industry	industry	NOUN
easat-9942	160	69	4.0	4.0	NUM
easat-9942	160	70	dynamics	dynamic	NOUN
easat-9942	160	71	risk	risk	NOUN
easat-9942	160	72	burdens	burden	VERB
easat-9942	160	73	debtors	debtor	NOUN
easat-9942	160	74	,	,	PUNCT
easat-9942	160	75	discourages	discourage	VERB
easat-9942	160	76	large	large	ADJ
easat-9942	160	77	firms	firm	NOUN
easat-9942	160	78	better	well	ADV
easat-9942	160	79	reflects	reflect	VERB
easat-9942	160	80	real	real	ADJ
easat-9942	160	81	business	business	NOUN
easat-9942	160	82	capacity	capacity	NOUN
easat-9942	160	83	table	table	NOUN
easat-9942	160	84	2	2	NUM
easat-9942	160	85	.	.	PUNCT
easat-9942	160	86	comparative	comparative	ADJ
easat-9942	160	87	practices	practice	NOUN
easat-9942	160	88	in	in	ADP
easat-9942	160	89	selected	select	VERB
easat-9942	160	90	jurisdictions	jurisdiction	NOUN
easat-9942	160	91	jurisdiction	jurisdiction	NOUN
easat-9942	160	92	approach	approach	NOUN
easat-9942	160	93	key	key	NOUN
easat-9942	160	94	features	feature	VERB
easat-9942	160	95	indonesia	indonesia	PROPN
easat-9942	160	96	collateral	collateral	NOUN
easat-9942	160	97	-	-	PUNCT
easat-9942	160	98	dominant	dominant	NOUN
easat-9942	160	99	with	with	ADP
easat-9942	160	100	some	some	DET
easat-9942	160	101	performance	performance	NOUN
easat-9942	160	102	indicators	indicator	NOUN
easat-9942	160	103	legal	legal	ADJ
easat-9942	160	104	uncertainty	uncertainty	NOUN
easat-9942	160	105	,	,	PUNCT
easat-9942	160	106	banks	bank	NOUN
easat-9942	160	107	(	(	PUNCT
easat-9942	160	108	mandiri	mandiri	ADV
easat-9942	160	109	,	,	PUNCT
easat-9942	160	110	panin	panin	PROPN
easat-9942	160	111	)	)	PUNCT
easat-9942	160	112	still	still	ADV
easat-9942	160	113	prioritize	prioritize	VERB
easat-9942	160	114	fixed	fix	VERB
easat-9942	160	115	assets	asset	NOUN
easat-9942	160	116	malaysia	malaysia	PROPN
easat-9942	160	117	bank	bank	PROPN
easat-9942	160	118	negara	negara	PROPN
easat-9942	160	119	malaysia	malaysia	PROPN
easat-9942	160	120	risk	risk	NOUN
easat-9942	160	121	strategy	strategy	NOUN
easat-9942	160	122	scenario	scenario	NOUN
easat-9942	160	123	-	-	PUNCT
easat-9942	160	124	based	base	VERB
easat-9942	160	125	evaluation	evaluation	NOUN
easat-9942	160	126	,	,	PUNCT
easat-9942	160	127	collateral	collateral	NOUN
easat-9942	160	128	only	only	ADV
easat-9942	160	129	supplementary	supplementary	PROPN
easat-9942	160	130	singapore	singapore	PROPN
easat-9942	160	131	monetary	monetary	PROPN
easat-9942	160	132	authority	authority	PROPN
easat-9942	160	133	guidelines	guideline	VERB
easat-9942	160	134	senior	senior	ADJ
easat-9942	160	135	risk	risk	NOUN
easat-9942	160	136	committees	committee	NOUN
easat-9942	160	137	,	,	PUNCT
easat-9942	160	138	periodic	periodic	ADJ
easat-9942	160	139	credit	credit	NOUN
easat-9942	160	140	evaluations	evaluation	NOUN
easat-9942	160	141	,	,	PUNCT
easat-9942	160	142	comprehensive	comprehensive	ADJ
easat-9942	160	143	risk	risk	NOUN
easat-9942	160	144	analysis	analysis	NOUN
easat-9942	160	145	global	global	ADJ
easat-9942	160	146	(	(	PUNCT
easat-9942	160	147	lma	lma	PROPN
easat-9942	160	148	)	)	PUNCT
easat-9942	160	149	performance	performance	NOUN
easat-9942	160	150	-	-	PUNCT
easat-9942	160	151	based	base	VERB
easat-9942	160	152	financing	financing	NOUN
easat-9942	160	153	scheme	scheme	NOUN
easat-9942	160	154	debt	debt	NOUN
easat-9942	160	155	-	-	PUNCT
easat-9942	160	156	to	to	ADP
easat-9942	160	157	-	-	PUNCT
easat-9942	160	158	equity	equity	NOUN
easat-9942	160	159	,	,	PUNCT
easat-9942	160	160	interest	interest	NOUN
easat-9942	160	161	cover	cover	NOUN
easat-9942	160	162	,	,	PUNCT
easat-9942	160	163	cash	cash	NOUN
easat-9942	160	164	flow	flow	NOUN
easat-9942	160	165	ratios	ratio	NOUN
easat-9942	160	166	as	as	ADP
easat-9942	160	167	primary	primary	ADJ
easat-9942	160	168	indicators	indicator	NOUN
easat-9942	160	169	although	although	SCONJ
easat-9942	160	170	the	the	DET
easat-9942	160	171	term	term	NOUN
easat-9942	160	172	performance	performance	NOUN
easat-9942	160	173	guarantee	guarantee	NOUN
easat-9942	160	174	is	be	AUX
easat-9942	160	175	not	not	PART
easat-9942	160	176	formally	formally	ADV
easat-9942	160	177	recognized	recognize	VERB
easat-9942	160	178	in	in	ADP
easat-9942	160	179	the	the	DET
easat-9942	160	180	indonesian	indonesian	ADJ
easat-9942	160	181	legal	legal	ADJ
easat-9942	160	182	system	system	NOUN
easat-9942	160	183	,	,	PUNCT
easat-9942	160	184	some	some	DET
easat-9942	160	185	elements	element	NOUN
easat-9942	160	186	of	of	ADP
easat-9942	160	187	this	this	DET
easat-9942	160	188	concept	concept	NOUN
easat-9942	160	189	have	have	AUX
easat-9942	160	190	been	be	AUX
easat-9942	160	191	applied	apply	VERB
easat-9942	160	192	to	to	ADP
easat-9942	160	193	a	a	DET
easat-9942	160	194	limited	limited	ADJ
easat-9942	160	195	extent	extent	NOUN
easat-9942	160	196	in	in	ADP
easat-9942	160	197	practice	practice	NOUN
easat-9942	160	198	.	.	PUNCT
easat-9942	161	1	the	the	DET
easat-9942	161	2	use	use	NOUN
easat-9942	161	3	of	of	ADP
easat-9942	161	4	performance	performance	NOUN
easat-9942	161	5	indicators	indicator	NOUN
easat-9942	161	6	such	such	ADJ
easat-9942	161	7	as	as	ADP
easat-9942	161	8	turnover	turnover	NOUN
easat-9942	161	9	,	,	PUNCT
easat-9942	161	10	invoices	invoice	NOUN
easat-9942	161	11	,	,	PUNCT
easat-9942	161	12	and	and	CCONJ
easat-9942	161	13	purchase	purchase	NOUN
easat-9942	161	14	orders	order	NOUN
easat-9942	161	15	has	have	AUX
easat-9942	161	16	become	become	VERB
easat-9942	161	17	part	part	NOUN
easat-9942	161	18	of	of	ADP
easat-9942	161	19	credit	credit	NOUN
easat-9942	161	20	analysis	analysis	NOUN
easat-9942	161	21	,	,	PUNCT
easat-9942	161	22	especially	especially	ADV
easat-9942	161	23	for	for	ADP
easat-9942	161	24	large	large	ADJ
easat-9942	161	25	-	-	PUNCT
easat-9942	161	26	scale	scale	NOUN
easat-9942	161	27	financing	financing	NOUN
easat-9942	161	28	[	[	X
easat-9942	161	29	25	25	NUM
easat-9942	161	30	]	]	PUNCT
easat-9942	161	31	.	.	PUNCT
easat-9942	162	1	however	however	ADV
easat-9942	162	2	,	,	PUNCT
easat-9942	162	3	this	this	DET
easat-9942	162	4	approach	approach	NOUN
easat-9942	162	5	does	do	AUX
easat-9942	162	6	not	not	PART
easat-9942	162	7	have	have	VERB
easat-9942	162	8	strong	strong	ADJ
easat-9942	162	9	legal	legal	ADJ
easat-9942	162	10	force	force	NOUN
easat-9942	162	11	and	and	CCONJ
easat-9942	162	12	is	be	AUX
easat-9942	162	13	therefore	therefore	ADV
easat-9942	162	14	vulnerable	vulnerable	ADJ
easat-9942	162	15	to	to	ADP
easat-9942	162	16	changes	change	NOUN
easat-9942	162	17	in	in	ADP
easat-9942	162	18	internal	internal	ADJ
easat-9942	162	19	bank	bank	NOUN
easat-9942	162	20	policy	policy	NOUN
easat-9942	162	21	.	.	PUNCT
easat-9942	163	1	many	many	ADJ
easat-9942	163	2	entrepreneurs	entrepreneur	NOUN
easat-9942	163	3	complain	complain	VERB
easat-9942	163	4	that	that	SCONJ
easat-9942	163	5	double	double	ADJ
easat-9942	163	6	standards	standard	NOUN
easat-9942	163	7	are	be	AUX
easat-9942	163	8	still	still	ADV
easat-9942	163	9	applied	apply	VERB
easat-9942	163	10	,	,	PUNCT
easat-9942	163	11	whereby	whereby	SCONJ
easat-9942	163	12	good	good	ADJ
easat-9942	163	13	performance	performance	NOUN
easat-9942	163	14	alone	alone	ADV
easat-9942	163	15	is	be	AUX
easat-9942	163	16	not	not	PART
easat-9942	163	17	enough	enough	ADJ
easat-9942	163	18	without	without	ADP
easat-9942	163	19	collateral	collateral	NOUN
easat-9942	163	20	.	.	PUNCT
easat-9942	164	1	in	in	ADP
easat-9942	164	2	the	the	DET
easat-9942	164	3	global	global	ADJ
easat-9942	164	4	context	context	NOUN
easat-9942	164	5	(	(	PUNCT
easat-9942	164	6	table	table	NOUN
easat-9942	164	7	2	2	NUM
easat-9942	164	8	.	.	NUM
easat-9942	164	9	)	)	PUNCT
easat-9942	164	10	,	,	PUNCT
easat-9942	164	11	institutions	institution	NOUN
easat-9942	164	12	such	such	ADJ
easat-9942	164	13	as	as	ADP
easat-9942	164	14	the	the	DET
easat-9942	164	15	loan	loan	NOUN
easat-9942	164	16	market	market	NOUN
easat-9942	164	17	association	association	NOUN
easat-9942	164	18	(	(	PUNCT
easat-9942	164	19	lma	lma	PROPN
easat-9942	164	20	)	)	PUNCT
easat-9942	164	21	have	have	AUX
easat-9942	164	22	implemented	implement	VERB
easat-9942	164	23	a	a	DET
easat-9942	164	24	766	766	NUM
easat-9942	164	25	edelweiss	edelweiss	PROPN
easat-9942	164	26	applied	apply	VERB
easat-9942	164	27	science	science	NOUN
easat-9942	164	28	and	and	CCONJ
easat-9942	164	29	technology	technology	NOUN
easat-9942	164	30	issn	issn	PROPN
easat-9942	164	31	:	:	PUNCT
easat-9942	164	32	2576	2576	NUM
easat-9942	164	33	-	-	SYM
easat-9942	164	34	8484	8484	NUM
easat-9942	164	35	vol	vol	NOUN
easat-9942	164	36	.	.	PROPN
easat-9942	165	1	9	9	NUM
easat-9942	165	2	,	,	PUNCT
easat-9942	165	3	no	no	INTJ
easat-9942	165	4	.	.	NOUN
easat-9942	165	5	9	9	NUM
easat-9942	165	6	:	:	PUNCT
easat-9942	165	7	761	761	NUM
easat-9942	165	8	-	-	SYM
easat-9942	165	9	773	773	NUM
easat-9942	165	10	,	,	PUNCT
easat-9942	165	11	2025	2025	NUM
easat-9942	165	12	doi	doi	NOUN
easat-9942	165	13	:	:	PUNCT
easat-9942	165	14	10.55214/2576	10.55214/2576	NUM
easat-9942	165	15	-	-	PUNCT
easat-9942	165	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	165	17	©	©	ADP
easat-9942	165	18	2025	2025	NUM
easat-9942	165	19	by	by	ADP
easat-9942	165	20	the	the	DET
easat-9942	165	21	authors	author	NOUN
easat-9942	165	22	;	;	PUNCT
easat-9942	165	23	licensee	licensee	PROPN
easat-9942	165	24	learning	learn	VERB
easat-9942	165	25	gate	gate	VERB
easat-9942	165	26	comprehensive	comprehensive	ADJ
easat-9942	165	27	performance	performance	NOUN
easat-9942	165	28	-	-	PUNCT
easat-9942	165	29	based	base	VERB
easat-9942	165	30	financing	financing	NOUN
easat-9942	165	31	scheme	scheme	NOUN
easat-9942	166	1	[	[	X
easat-9942	166	2	26	26	NUM
easat-9942	166	3	]	]	PUNCT
easat-9942	166	4	.	.	PUNCT
easat-9942	167	1	they	they	PRON
easat-9942	167	2	use	use	VERB
easat-9942	167	3	financial	financial	ADJ
easat-9942	167	4	ratios	ratio	NOUN
easat-9942	167	5	such	such	ADJ
easat-9942	167	6	as	as	ADP
easat-9942	167	7	debt	debt	NOUN
easat-9942	167	8	to	to	ADP
easat-9942	167	9	equity	equity	NOUN
easat-9942	167	10	,	,	PUNCT
easat-9942	167	11	interest	interest	NOUN
easat-9942	167	12	cover	cover	NOUN
easat-9942	167	13	,	,	PUNCT
easat-9942	167	14	and	and	CCONJ
easat-9942	167	15	cash	cash	NOUN
easat-9942	167	16	flow	flow	NOUN
easat-9942	167	17	to	to	PART
easat-9942	167	18	assess	assess	VERB
easat-9942	167	19	creditworthiness	creditworthiness	NOUN
easat-9942	167	20	[	[	X
easat-9942	167	21	27	27	NUM
easat-9942	167	22	]	]	PUNCT
easat-9942	167	23	.	.	PUNCT
easat-9942	168	1	such	such	DET
easat-9942	168	2	a	a	DET
easat-9942	168	3	system	system	NOUN
easat-9942	168	4	is	be	AUX
easat-9942	168	5	more	more	ADV
easat-9942	168	6	relevant	relevant	ADJ
easat-9942	168	7	to	to	ADP
easat-9942	168	8	the	the	DET
easat-9942	168	9	dynamics	dynamic	NOUN
easat-9942	168	10	of	of	ADP
easat-9942	168	11	modern	modern	ADJ
easat-9942	168	12	business	business	NOUN
easat-9942	168	13	.	.	PUNCT
easat-9942	169	1	for	for	ADP
easat-9942	169	2	a	a	DET
easat-9942	169	3	performance	performance	NOUN
easat-9942	169	4	-	-	PUNCT
easat-9942	169	5	based	base	VERB
easat-9942	169	6	collateral	collateral	ADJ
easat-9942	169	7	system	system	NOUN
easat-9942	169	8	to	to	PART
easat-9942	169	9	be	be	AUX
easat-9942	169	10	implemented	implement	VERB
easat-9942	169	11	effectively	effectively	ADV
easat-9942	169	12	,	,	PUNCT
easat-9942	169	13	comprehensive	comprehensive	ADJ
easat-9942	169	14	legal	legal	ADJ
easat-9942	169	15	reforms	reform	NOUN
easat-9942	169	16	are	be	AUX
easat-9942	169	17	needed	need	VERB
easat-9942	169	18	.	.	PUNCT
easat-9942	170	1	this	this	PRON
easat-9942	170	2	includes	include	VERB
easat-9942	170	3	changes	change	NOUN
easat-9942	170	4	to	to	ADP
easat-9942	170	5	the	the	DET
easat-9942	170	6	regulatory	regulatory	ADJ
easat-9942	170	7	structure	structure	NOUN
easat-9942	170	8	,	,	PUNCT
easat-9942	170	9	simplification	simplification	NOUN
easat-9942	170	10	of	of	ADP
easat-9942	170	11	procedures	procedure	NOUN
easat-9942	170	12	,	,	PUNCT
easat-9942	170	13	and	and	CCONJ
easat-9942	170	14	improvement	improvement	NOUN
easat-9942	170	15	of	of	ADP
easat-9942	170	16	the	the	DET
easat-9942	170	17	capacity	capacity	NOUN
easat-9942	170	18	of	of	ADP
easat-9942	170	19	banking	bank	VERB
easat-9942	170	20	human	human	ADJ
easat-9942	170	21	resources	resource	NOUN
easat-9942	170	22	.	.	PUNCT
easat-9942	171	1	regulations	regulation	NOUN
easat-9942	171	2	need	need	VERB
easat-9942	171	3	to	to	PART
easat-9942	171	4	set	set	VERB
easat-9942	171	5	criteria	criterion	NOUN
easat-9942	171	6	for	for	ADP
easat-9942	171	7	companies	company	NOUN
easat-9942	171	8	that	that	PRON
easat-9942	171	9	are	be	AUX
easat-9942	171	10	eligible	eligible	ADJ
easat-9942	171	11	for	for	ADP
easat-9942	171	12	performance	performance	NOUN
easat-9942	171	13	-	-	PUNCT
easat-9942	171	14	based	base	VERB
easat-9942	171	15	credit	credit	NOUN
easat-9942	171	16	without	without	ADP
easat-9942	171	17	collateral	collateral	ADJ
easat-9942	171	18	requirements	requirement	NOUN
easat-9942	171	19	[	[	X
easat-9942	171	20	28	28	NUM
easat-9942	171	21	]	]	PUNCT
easat-9942	171	22	.	.	PUNCT
easat-9942	172	1	nevertheless	nevertheless	ADV
easat-9942	172	2	,	,	PUNCT
easat-9942	172	3	the	the	DET
easat-9942	172	4	5c	5c	NUM
easat-9942	172	5	principle	principle	NOUN
easat-9942	172	6	remains	remain	VERB
easat-9942	172	7	important	important	ADJ
easat-9942	172	8	and	and	CCONJ
easat-9942	172	9	should	should	AUX
easat-9942	172	10	be	be	AUX
easat-9942	172	11	used	use	VERB
easat-9942	172	12	as	as	ADP
easat-9942	172	13	the	the	DET
easat-9942	172	14	basis	basis	NOUN
easat-9942	172	15	for	for	ADP
easat-9942	172	16	evaluation	evaluation	NOUN
easat-9942	172	17	.	.	PUNCT
easat-9942	173	1	collateral	collateral	NOUN
easat-9942	173	2	can	can	AUX
easat-9942	173	3	be	be	AUX
easat-9942	173	4	replaced	replace	VERB
easat-9942	173	5	by	by	ADP
easat-9942	173	6	verifiable	verifiable	ADJ
easat-9942	173	7	performance	performance	NOUN
easat-9942	173	8	indicators	indicator	NOUN
easat-9942	173	9	,	,	PUNCT
easat-9942	173	10	such	such	ADJ
easat-9942	173	11	as	as	ADP
easat-9942	173	12	audited	audit	VERB
easat-9942	173	13	financial	financial	ADJ
easat-9942	173	14	statements	statement	NOUN
easat-9942	173	15	,	,	PUNCT
easat-9942	173	16	credit	credit	NOUN
easat-9942	173	17	scores	score	NOUN
easat-9942	173	18	,	,	PUNCT
easat-9942	173	19	and	and	CCONJ
easat-9942	173	20	business	business	NOUN
easat-9942	173	21	projections	projection	NOUN
easat-9942	173	22	.	.	PUNCT
easat-9942	174	1	cooperation	cooperation	NOUN
easat-9942	174	2	with	with	ADP
easat-9942	174	3	independent	independent	ADJ
easat-9942	174	4	rating	rating	NOUN
easat-9942	174	5	agencies	agency	NOUN
easat-9942	174	6	is	be	AUX
easat-9942	174	7	also	also	ADV
easat-9942	174	8	a	a	DET
easat-9942	174	9	strategic	strategic	ADJ
easat-9942	174	10	step	step	NOUN
easat-9942	174	11	to	to	PART
easat-9942	174	12	reduce	reduce	VERB
easat-9942	174	13	risk	risk	NOUN
easat-9942	174	14	.	.	PUNCT
easat-9942	175	1	thus	thus	ADV
easat-9942	175	2	,	,	PUNCT
easat-9942	175	3	the	the	DET
easat-9942	175	4	performance	performance	NOUN
easat-9942	175	5	guarantee	guarantee	NOUN
easat-9942	175	6	system	system	NOUN
easat-9942	175	7	can	can	AUX
easat-9942	175	8	run	run	VERB
easat-9942	175	9	parallel	parallel	ADJ
easat-9942	175	10	to	to	ADP
easat-9942	175	11	the	the	DET
easat-9942	175	12	principle	principle	NOUN
easat-9942	175	13	of	of	ADP
easat-9942	175	14	prudence	prudence	NOUN
easat-9942	175	15	[	[	X
easat-9942	175	16	29	29	NUM
easat-9942	175	17	]	]	PUNCT
easat-9942	175	18	.	.	PUNCT
easat-9942	176	1	the	the	DET
easat-9942	176	2	guarantee	guarantee	NOUN
easat-9942	176	3	system	system	NOUN
easat-9942	176	4	can	can	AUX
easat-9942	176	5	be	be	AUX
easat-9942	176	6	classified	classify	VERB
easat-9942	176	7	into	into	ADP
easat-9942	176	8	four	four	NUM
easat-9942	176	9	levels	level	NOUN
easat-9942	176	10	based	base	VERB
easat-9942	176	11	on	on	ADP
easat-9942	176	12	the	the	DET
easat-9942	176	13	readiness	readiness	NOUN
easat-9942	176	14	of	of	ADP
easat-9942	176	15	banks	bank	NOUN
easat-9942	176	16	and	and	CCONJ
easat-9942	176	17	debtors	debtor	NOUN
easat-9942	176	18	to	to	PART
easat-9942	176	19	adopt	adopt	VERB
easat-9942	176	20	a	a	DET
easat-9942	176	21	performance	performance	NOUN
easat-9942	176	22	-	-	PUNCT
easat-9942	176	23	based	base	VERB
easat-9942	176	24	approach	approach	NOUN
easat-9942	176	25	.	.	PUNCT
easat-9942	177	1	the	the	DET
easat-9942	177	2	first	first	ADJ
easat-9942	177	3	level	level	NOUN
easat-9942	177	4	still	still	ADV
easat-9942	177	5	relies	rely	VERB
easat-9942	177	6	entirely	entirely	ADV
easat-9942	177	7	on	on	ADP
easat-9942	177	8	collateral	collateral	NOUN
easat-9942	177	9	.	.	PUNCT
easat-9942	178	1	the	the	DET
easat-9942	178	2	second	second	ADJ
easat-9942	178	3	level	level	NOUN
easat-9942	178	4	is	be	AUX
easat-9942	178	5	a	a	DET
easat-9942	178	6	combination	combination	NOUN
easat-9942	178	7	of	of	ADP
easat-9942	178	8	collateral	collateral	NOUN
easat-9942	178	9	and	and	CCONJ
easat-9942	178	10	some	some	DET
easat-9942	178	11	performance	performance	NOUN
easat-9942	178	12	indicators	indicator	NOUN
easat-9942	178	13	[	[	X
easat-9942	178	14	30	30	NUM
easat-9942	178	15	]	]	PUNCT
easat-9942	178	16	.	.	PUNCT
easat-9942	179	1	the	the	DET
easat-9942	179	2	third	third	ADJ
easat-9942	179	3	level	level	NOUN
easat-9942	179	4	prioritizes	prioritize	VERB
easat-9942	179	5	performance	performance	NOUN
easat-9942	179	6	as	as	ADP
easat-9942	179	7	the	the	DET
easat-9942	179	8	main	main	ADJ
easat-9942	179	9	basis	basis	NOUN
easat-9942	179	10	,	,	PUNCT
easat-9942	179	11	with	with	ADP
easat-9942	179	12	collateral	collateral	NOUN
easat-9942	179	13	as	as	ADP
easat-9942	179	14	an	an	DET
easat-9942	179	15	administrative	administrative	ADJ
easat-9942	179	16	requirement	requirement	NOUN
easat-9942	179	17	.	.	PUNCT
easat-9942	180	1	meanwhile	meanwhile	ADV
easat-9942	180	2	,	,	PUNCT
easat-9942	180	3	the	the	DET
easat-9942	180	4	fourth	fourth	ADJ
easat-9942	180	5	level	level	NOUN
easat-9942	180	6	fully	fully	ADV
easat-9942	180	7	implements	implement	VERB
easat-9942	180	8	a	a	DET
easat-9942	180	9	performance	performance	NOUN
easat-9942	180	10	-	-	PUNCT
easat-9942	180	11	based	base	VERB
easat-9942	180	12	guarantee	guarantee	NOUN
easat-9942	180	13	system	system	NOUN
easat-9942	180	14	without	without	ADP
easat-9942	180	15	the	the	DET
easat-9942	180	16	requirement	requirement	NOUN
easat-9942	180	17	for	for	ADP
easat-9942	180	18	collateral	collateral	NOUN
easat-9942	180	19	.	.	PUNCT
easat-9942	181	1	based	base	VERB
easat-9942	181	2	on	on	ADP
easat-9942	181	3	field	field	NOUN
easat-9942	181	4	data	datum	NOUN
easat-9942	181	5	,	,	PUNCT
easat-9942	181	6	indonesia	indonesia	PROPN
easat-9942	181	7	's	's	PART
easat-9942	181	8	national	national	ADJ
easat-9942	181	9	banking	banking	NOUN
easat-9942	181	10	sector	sector	NOUN
easat-9942	181	11	is	be	AUX
easat-9942	181	12	at	at	ADP
easat-9942	181	13	the	the	DET
easat-9942	181	14	second	second	ADJ
easat-9942	181	15	level	level	NOUN
easat-9942	181	16	.	.	PUNCT
easat-9942	182	1	to	to	PART
easat-9942	182	2	jump	jump	VERB
easat-9942	182	3	to	to	ADP
easat-9942	182	4	the	the	DET
easat-9942	182	5	fourth	fourth	ADJ
easat-9942	182	6	level	level	NOUN
easat-9942	182	7	requires	require	VERB
easat-9942	182	8	legal	legal	ADJ
easat-9942	182	9	,	,	PUNCT
easat-9942	182	10	systemic	systemic	ADJ
easat-9942	182	11	,	,	PUNCT
easat-9942	182	12	and	and	CCONJ
easat-9942	182	13	cultural	cultural	ADJ
easat-9942	182	14	readiness	readiness	NOUN
easat-9942	183	1	[	[	X
easat-9942	183	2	31	31	NUM
easat-9942	183	3	]	]	PUNCT
easat-9942	183	4	.	.	PUNCT
easat-9942	184	1	therefore	therefore	ADV
easat-9942	184	2	,	,	PUNCT
easat-9942	184	3	a	a	DET
easat-9942	184	4	phased	phase	VERB
easat-9942	184	5	approach	approach	NOUN
easat-9942	184	6	is	be	AUX
easat-9942	184	7	more	more	ADV
easat-9942	184	8	realistic	realistic	ADJ
easat-9942	184	9	and	and	CCONJ
easat-9942	184	10	controllable	controllable	ADJ
easat-9942	184	11	[	[	X
easat-9942	184	12	31	31	NUM
easat-9942	184	13	]	]	PUNCT
easat-9942	184	14	.	.	PUNCT
easat-9942	185	1	a	a	DET
easat-9942	185	2	performance	performance	NOUN
easat-9942	185	3	guarantee	guarantee	NOUN
easat-9942	185	4	system	system	NOUN
easat-9942	185	5	with	with	ADP
easat-9942	185	6	a	a	DET
easat-9942	185	7	"	"	PUNCT
easat-9942	185	8	good	good	ADJ
easat-9942	185	9	"	"	PUNCT
easat-9942	185	10	classification	classification	NOUN
easat-9942	185	11	is	be	AUX
easat-9942	185	12	the	the	DET
easat-9942	185	13	most	most	ADV
easat-9942	185	14	suitable	suitable	ADJ
easat-9942	185	15	model	model	NOUN
easat-9942	185	16	to	to	PART
easat-9942	185	17	be	be	AUX
easat-9942	185	18	applied	apply	VERB
easat-9942	185	19	in	in	ADP
easat-9942	185	20	the	the	DET
easat-9942	185	21	current	current	ADJ
easat-9942	185	22	national	national	ADJ
easat-9942	185	23	banking	banking	NOUN
easat-9942	185	24	context	context	NOUN
easat-9942	185	25	.	.	PUNCT
easat-9942	186	1	this	this	DET
easat-9942	186	2	model	model	NOUN
easat-9942	186	3	still	still	ADV
easat-9942	186	4	accommodates	accommodate	VERB
easat-9942	186	5	the	the	DET
easat-9942	186	6	aspect	aspect	NOUN
easat-9942	186	7	of	of	ADP
easat-9942	186	8	collateral	collateral	NOUN
easat-9942	186	9	in	in	ADP
easat-9942	186	10	accordance	accordance	NOUN
easat-9942	186	11	with	with	ADP
easat-9942	186	12	regulations	regulation	NOUN
easat-9942	186	13	,	,	PUNCT
easat-9942	186	14	but	but	CCONJ
easat-9942	186	15	gives	give	VERB
easat-9942	186	16	greater	great	ADJ
easat-9942	186	17	weight	weight	NOUN
easat-9942	186	18	to	to	ADP
easat-9942	186	19	the	the	DET
easat-9942	186	20	performance	performance	NOUN
easat-9942	186	21	of	of	ADP
easat-9942	186	22	the	the	DET
easat-9942	186	23	debtor	debtor	NOUN
easat-9942	186	24	's	's	PART
easat-9942	186	25	business	business	NOUN
easat-9942	186	26	[	[	X
easat-9942	186	27	32	32	NUM
easat-9942	186	28	]	]	PUNCT
easat-9942	186	29	.	.	PUNCT
easat-9942	187	1	reforming	reform	VERB
easat-9942	187	2	this	this	DET
easat-9942	187	3	system	system	NOUN
easat-9942	187	4	requires	require	VERB
easat-9942	187	5	clear	clear	ADJ
easat-9942	187	6	regulatory	regulatory	ADJ
easat-9942	187	7	support	support	NOUN
easat-9942	187	8	,	,	PUNCT
easat-9942	187	9	strengthening	strengthen	VERB
easat-9942	187	10	of	of	ADP
easat-9942	187	11	the	the	DET
easat-9942	187	12	internal	internal	ADJ
easat-9942	187	13	audit	audit	NOUN
easat-9942	187	14	system	system	NOUN
easat-9942	187	15	,	,	PUNCT
easat-9942	187	16	and	and	CCONJ
easat-9942	187	17	risk	risk	NOUN
easat-9942	187	18	management	management	NOUN
easat-9942	187	19	training	training	NOUN
easat-9942	187	20	.	.	PUNCT
easat-9942	188	1	quality	quality	NOUN
easat-9942	188	2	standards	standard	NOUN
easat-9942	188	3	such	such	ADJ
easat-9942	188	4	as	as	ADP
easat-9942	188	5	iso	iso	NOUN
easat-9942	188	6	9001	9001	NUM
easat-9942	188	7	can	can	AUX
easat-9942	188	8	also	also	ADV
easat-9942	188	9	be	be	AUX
easat-9942	188	10	used	use	VERB
easat-9942	188	11	to	to	PART
easat-9942	188	12	validate	validate	VERB
easat-9942	188	13	business	business	NOUN
easat-9942	188	14	performance	performance	NOUN
easat-9942	188	15	.	.	PUNCT
easat-9942	189	1	in	in	ADP
easat-9942	189	2	the	the	DET
easat-9942	189	3	long	long	ADJ
easat-9942	189	4	term	term	NOUN
easat-9942	189	5	,	,	PUNCT
easat-9942	189	6	this	this	DET
easat-9942	189	7	system	system	NOUN
easat-9942	189	8	will	will	AUX
easat-9942	189	9	pave	pave	VERB
easat-9942	189	10	the	the	DET
easat-9942	189	11	way	way	NOUN
easat-9942	189	12	for	for	ADP
easat-9942	189	13	a	a	DET
easat-9942	189	14	pure	pure	ADJ
easat-9942	189	15	performance	performance	NOUN
easat-9942	189	16	guarantee	guarantee	NOUN
easat-9942	189	17	system	system	NOUN
easat-9942	189	18	.	.	PUNCT
easat-9942	190	1	therefore	therefore	ADV
easat-9942	190	2	,	,	PUNCT
easat-9942	190	3	a	a	DET
easat-9942	190	4	gradual	gradual	ADJ
easat-9942	190	5	approach	approach	NOUN
easat-9942	190	6	is	be	AUX
easat-9942	190	7	highly	highly	ADV
easat-9942	190	8	recommended	recommend	VERB
easat-9942	190	9	to	to	PART
easat-9942	190	10	maintain	maintain	VERB
easat-9942	190	11	the	the	DET
easat-9942	190	12	stability	stability	NOUN
easat-9942	190	13	of	of	ADP
easat-9942	190	14	the	the	DET
easat-9942	190	15	financial	financial	ADJ
easat-9942	190	16	system	system	NOUN
easat-9942	190	17	.	.	PUNCT
easat-9942	191	1	this	this	DET
easat-9942	191	2	reform	reform	NOUN
easat-9942	191	3	will	will	AUX
easat-9942	191	4	strengthen	strengthen	VERB
easat-9942	191	5	the	the	DET
easat-9942	191	6	business	business	NOUN
easat-9942	191	7	world	world	NOUN
easat-9942	191	8	's	's	PART
easat-9942	191	9	confidence	confidence	NOUN
easat-9942	191	10	in	in	ADP
easat-9942	191	11	indonesian	indonesian	ADJ
easat-9942	191	12	banking	banking	NOUN
easat-9942	192	1	[	[	X
easat-9942	192	2	33	33	NUM
easat-9942	192	3	]	]	PUNCT
easat-9942	192	4	.	.	PUNCT
easat-9942	193	1	1.2	1.2	NUM
easat-9942	193	2	.	.	PUNCT
easat-9942	193	3	justification	justification	NOUN
easat-9942	193	4	for	for	ADP
easat-9942	193	5	performance	performance	NOUN
easat-9942	193	6	guarantee	guarantee	NOUN
easat-9942	193	7	regulations	regulation	NOUN
easat-9942	193	8	as	as	ADP
easat-9942	193	9	credit	credit	NOUN
easat-9942	193	10	guarantees	guarantee	NOUN
easat-9942	193	11	for	for	ADP
easat-9942	193	12	large	large	ADJ
easat-9942	193	13	-	-	PUNCT
easat-9942	193	14	scale	scale	NOUN
easat-9942	193	15	project	project	NOUN
easat-9942	193	16	financing	financing	NOUN
easat-9942	193	17	in	in	ADP
easat-9942	193	18	the	the	DET
easat-9942	193	19	practice	practice	NOUN
easat-9942	193	20	of	of	ADP
easat-9942	193	21	lending	lending	NOUN
easat-9942	193	22	by	by	ADP
easat-9942	193	23	banks	bank	NOUN
easat-9942	193	24	,	,	PUNCT
easat-9942	193	25	all	all	DET
easat-9942	193	26	prospective	prospective	ADJ
easat-9942	193	27	debtors	debtor	NOUN
easat-9942	193	28	,	,	PUNCT
easat-9942	193	29	without	without	ADP
easat-9942	193	30	exception	exception	NOUN
easat-9942	193	31	,	,	PUNCT
easat-9942	193	32	are	be	AUX
easat-9942	193	33	required	require	VERB
easat-9942	193	34	to	to	PART
easat-9942	193	35	provide	provide	VERB
easat-9942	193	36	collateral	collateral	NOUN
easat-9942	193	37	whose	whose	DET
easat-9942	193	38	value	value	NOUN
easat-9942	193	39	exceeds	exceed	VERB
easat-9942	193	40	the	the	DET
easat-9942	193	41	loan	loan	NOUN
easat-9942	193	42	ceiling	ceiling	NOUN
easat-9942	193	43	and	and	CCONJ
easat-9942	193	44	must	must	AUX
easat-9942	193	45	be	be	AUX
easat-9942	193	46	executory	executory	ADJ
easat-9942	193	47	.	.	PUNCT
easat-9942	194	1	interestingly	interestingly	ADV
easat-9942	194	2	,	,	PUNCT
easat-9942	194	3	this	this	DET
easat-9942	194	4	provision	provision	NOUN
easat-9942	194	5	is	be	AUX
easat-9942	194	6	applied	apply	VERB
easat-9942	194	7	uniformly	uniformly	ADV
easat-9942	194	8	to	to	ADP
easat-9942	194	9	both	both	CCONJ
easat-9942	194	10	large	large	ADJ
easat-9942	194	11	,	,	PUNCT
easat-9942	194	12	well	well	ADV
easat-9942	194	13	-	-	PUNCT
easat-9942	194	14	established	establish	VERB
easat-9942	194	15	,	,	PUNCT
easat-9942	194	16	and	and	CCONJ
easat-9942	194	17	bankable	bankable	ADJ
easat-9942	194	18	corporations	corporation	NOUN
easat-9942	194	19	and	and	CCONJ
easat-9942	194	20	small	small	ADJ
easat-9942	194	21	entities	entity	NOUN
easat-9942	194	22	that	that	PRON
easat-9942	194	23	are	be	AUX
easat-9942	194	24	only	only	ADV
easat-9942	194	25	commercially	commercially	ADV
easat-9942	194	26	feasible	feasible	ADJ
easat-9942	194	27	.	.	PUNCT
easat-9942	195	1	this	this	PRON
easat-9942	195	2	shows	show	VERB
easat-9942	195	3	an	an	DET
easat-9942	195	4	approach	approach	NOUN
easat-9942	195	5	that	that	PRON
easat-9942	195	6	does	do	AUX
easat-9942	195	7	not	not	PART
easat-9942	195	8	consider	consider	VERB
easat-9942	195	9	the	the	DET
easat-9942	195	10	fundamental	fundamental	ADJ
easat-9942	195	11	differences	difference	NOUN
easat-9942	195	12	between	between	ADP
easat-9942	195	13	borrowers	borrower	NOUN
easat-9942	195	14	'	'	PART
easat-9942	195	15	capacities	capacity	NOUN
easat-9942	195	16	,	,	PUNCT
easat-9942	195	17	thus	thus	ADV
easat-9942	195	18	creating	create	VERB
easat-9942	195	19	structural	structural	ADJ
easat-9942	195	20	injustice	injustice	NOUN
easat-9942	195	21	.	.	PUNCT
easat-9942	196	1	in	in	ADP
easat-9942	196	2	many	many	ADJ
easat-9942	196	3	cases	case	NOUN
easat-9942	196	4	,	,	PUNCT
easat-9942	196	5	large	large	ADJ
easat-9942	196	6	corporations	corporation	NOUN
easat-9942	196	7	that	that	PRON
easat-9942	196	8	should	should	AUX
easat-9942	196	9	be	be	AUX
easat-9942	196	10	more	more	ADV
easat-9942	196	11	trusted	trust	VERB
easat-9942	196	12	are	be	AUX
easat-9942	196	13	treated	treat	VERB
easat-9942	196	14	the	the	DET
easat-9942	196	15	same	same	ADJ
easat-9942	196	16	as	as	ADP
easat-9942	196	17	new	new	ADJ
easat-9942	196	18	entities	entity	NOUN
easat-9942	196	19	that	that	PRON
easat-9942	196	20	do	do	AUX
easat-9942	196	21	not	not	PART
easat-9942	196	22	yet	yet	ADV
easat-9942	196	23	have	have	VERB
easat-9942	196	24	a	a	DET
easat-9942	196	25	track	track	NOUN
easat-9942	196	26	record	record	NOUN
easat-9942	196	27	[	[	X
easat-9942	196	28	34	34	NUM
easat-9942	196	29	]	]	PUNCT
easat-9942	196	30	.	.	PUNCT
easat-9942	197	1	this	this	DET
easat-9942	197	2	paradigm	paradigm	NOUN
easat-9942	197	3	reflects	reflect	VERB
easat-9942	197	4	the	the	DET
easat-9942	197	5	traditional	traditional	ADJ
easat-9942	197	6	collateral	collateral	ADJ
easat-9942	197	7	system	system	NOUN
easat-9942	197	8	mindset	mindset	NOUN
easat-9942	197	9	,	,	PUNCT
easat-9942	197	10	which	which	PRON
easat-9942	197	11	is	be	AUX
easat-9942	197	12	based	base	VERB
easat-9942	197	13	on	on	ADP
easat-9942	197	14	banks	bank	NOUN
easat-9942	197	15	'	'	PART
easat-9942	197	16	fear	fear	NOUN
easat-9942	197	17	of	of	ADP
easat-9942	197	18	default	default	NOUN
easat-9942	197	19	risk	risk	NOUN
easat-9942	197	20	rather	rather	ADV
easat-9942	197	21	than	than	ADP
easat-9942	197	22	a	a	DET
easat-9942	197	23	rational	rational	ADJ
easat-9942	197	24	assessment	assessment	NOUN
easat-9942	197	25	of	of	ADP
easat-9942	197	26	borrower	borrower	NOUN
easat-9942	197	27	credibility	credibility	NOUN
easat-9942	197	28	.	.	PUNCT
easat-9942	198	1	the	the	DET
easat-9942	198	2	structural	structural	ADJ
easat-9942	198	3	injustice	injustice	NOUN
easat-9942	198	4	arising	arise	VERB
easat-9942	198	5	from	from	ADP
easat-9942	198	6	this	this	DET
easat-9942	198	7	equalization	equalization	NOUN
easat-9942	198	8	reinforces	reinforce	VERB
easat-9942	198	9	a	a	DET
easat-9942	198	10	system	system	NOUN
easat-9942	198	11	that	that	PRON
easat-9942	198	12	tends	tend	VERB
easat-9942	198	13	to	to	PART
easat-9942	198	14	be	be	AUX
easat-9942	198	15	exclusive	exclusive	ADJ
easat-9942	198	16	and	and	CCONJ
easat-9942	198	17	unadaptive	unadaptive	ADJ
easat-9942	198	18	to	to	ADP
easat-9942	198	19	variations	variation	NOUN
easat-9942	198	20	in	in	ADP
easat-9942	198	21	debtor	debtor	NOUN
easat-9942	198	22	characteristics	characteristic	NOUN
easat-9942	198	23	.	.	PUNCT
easat-9942	199	1	this	this	DET
easat-9942	199	2	system	system	NOUN
easat-9942	199	3	not	not	PART
easat-9942	199	4	only	only	ADV
easat-9942	199	5	burdens	burden	NOUN
easat-9942	199	6	financially	financially	ADV
easat-9942	199	7	sound	sound	VERB
easat-9942	199	8	corporations	corporation	NOUN
easat-9942	199	9	,	,	PUNCT
easat-9942	199	10	but	but	CCONJ
easat-9942	199	11	also	also	ADV
easat-9942	199	12	fails	fail	VERB
easat-9942	199	13	to	to	PART
easat-9942	199	14	support	support	VERB
easat-9942	199	15	new	new	ADJ
easat-9942	199	16	entrepreneurs	entrepreneur	NOUN
easat-9942	199	17	who	who	PRON
easat-9942	199	18	are	be	AUX
easat-9942	199	19	developing	develop	VERB
easat-9942	199	20	.	.	PUNCT
easat-9942	200	1	in	in	ADP
easat-9942	200	2	practice	practice	NOUN
easat-9942	200	3	,	,	PUNCT
easat-9942	200	4	debtors	debtor	NOUN
easat-9942	200	5	who	who	PRON
easat-9942	200	6	are	be	AUX
easat-9942	200	7	business	business	NOUN
easat-9942	200	8	-	-	PUNCT
easat-9942	200	9	feasible	feasible	ADJ
easat-9942	200	10	but	but	CCONJ
easat-9942	200	11	not	not	PART
easat-9942	200	12	yet	yet	ADV
easat-9942	200	13	bankable	bankable	ADJ
easat-9942	200	14	are	be	AUX
easat-9942	200	15	often	often	ADV
easat-9942	200	16	forced	force	VERB
easat-9942	200	17	to	to	PART
easat-9942	200	18	provide	provide	VERB
easat-9942	200	19	collateral	collateral	NOUN
easat-9942	200	20	beyond	beyond	ADP
easat-9942	200	21	their	their	PRON
easat-9942	200	22	means	mean	NOUN
easat-9942	200	23	.	.	PUNCT
easat-9942	201	1	if	if	SCONJ
easat-9942	201	2	credit	credit	NOUN
easat-9942	201	3	is	be	AUX
easat-9942	201	4	still	still	ADV
easat-9942	201	5	granted	grant	VERB
easat-9942	201	6	with	with	ADP
easat-9942	201	7	such	such	DET
easat-9942	201	8	a	a	DET
easat-9942	201	9	collateral	collateral	ADJ
easat-9942	201	10	scheme	scheme	NOUN
easat-9942	201	11	,	,	PUNCT
easat-9942	201	12	the	the	DET
easat-9942	201	13	likelihood	likelihood	NOUN
easat-9942	201	14	of	of	ADP
easat-9942	201	15	non	non	ADJ
easat-9942	201	16	-	-	ADJ
easat-9942	201	17	performing	performing	ADJ
easat-9942	201	18	loans	loan	NOUN
easat-9942	201	19	will	will	AUX
easat-9942	201	20	increase	increase	VERB
easat-9942	201	21	significantly	significantly	ADV
easat-9942	201	22	,	,	PUNCT
easat-9942	201	23	and	and	CCONJ
easat-9942	201	24	in	in	ADP
easat-9942	201	25	many	many	ADJ
easat-9942	201	26	cases	case	NOUN
easat-9942	201	27	will	will	AUX
easat-9942	201	28	end	end	VERB
easat-9942	201	29	in	in	ADP
easat-9942	201	30	business	business	NOUN
easat-9942	201	31	failure	failure	NOUN
easat-9942	201	32	and	and	CCONJ
easat-9942	201	33	loss	loss	NOUN
easat-9942	201	34	of	of	ADP
easat-9942	201	35	assets	asset	NOUN
easat-9942	201	36	through	through	ADP
easat-9942	201	37	collateral	collateral	ADJ
easat-9942	201	38	auction	auction	NOUN
easat-9942	201	39	[	[	X
easat-9942	201	40	35	35	NUM
easat-9942	201	41	]	]	PUNCT
easat-9942	201	42	.	.	PUNCT
easat-9942	202	1	meanwhile	meanwhile	ADV
easat-9942	202	2	,	,	PUNCT
easat-9942	202	3	bankable	bankable	ADJ
easat-9942	202	4	debtors	debtor	NOUN
easat-9942	202	5	are	be	AUX
easat-9942	202	6	also	also	ADV
easat-9942	202	7	not	not	PART
easat-9942	202	8	immune	immune	ADJ
easat-9942	202	9	to	to	ADP
easat-9942	202	10	the	the	DET
easat-9942	202	11	pressures	pressure	NOUN
easat-9942	202	12	of	of	ADP
easat-9942	202	13	the	the	DET
easat-9942	202	14	system	system	NOUN
easat-9942	202	15	.	.	PUNCT
easat-9942	203	1	they	they	PRON
easat-9942	203	2	must	must	AUX
easat-9942	203	3	provide	provide	VERB
easat-9942	203	4	assets	asset	NOUN
easat-9942	203	5	as	as	ADP
easat-9942	203	6	collateral	collateral	NOUN
easat-9942	203	7	,	,	PUNCT
easat-9942	203	8	even	even	ADV
easat-9942	203	9	though	though	SCONJ
easat-9942	203	10	they	they	PRON
easat-9942	203	11	have	have	AUX
easat-9942	203	12	demonstrated	demonstrate	VERB
easat-9942	203	13	business	business	NOUN
easat-9942	203	14	viability	viability	NOUN
easat-9942	203	15	and	and	CCONJ
easat-9942	203	16	a	a	DET
easat-9942	203	17	good	good	ADJ
easat-9942	203	18	payment	payment	NOUN
easat-9942	203	19	track	track	NOUN
easat-9942	203	20	record	record	NOUN
easat-9942	203	21	.	.	PUNCT
easat-9942	204	1	this	this	DET
easat-9942	204	2	requirement	requirement	NOUN
easat-9942	204	3	has	have	VERB
easat-9942	204	4	the	the	DET
easat-9942	204	5	potential	potential	NOUN
easat-9942	204	6	to	to	PART
easat-9942	204	7	disrupt	disrupt	VERB
easat-9942	204	8	the	the	DET
easat-9942	204	9	internal	internal	ADJ
easat-9942	204	10	cash	cash	NOUN
easat-9942	204	11	flow	flow	NOUN
easat-9942	204	12	of	of	ADP
easat-9942	204	13	corporations	corporation	NOUN
easat-9942	204	14	and	and	CCONJ
easat-9942	204	15	weaken	weaken	VERB
easat-9942	204	16	their	their	PRON
easat-9942	204	17	solvency	solvency	NOUN
easat-9942	204	18	.	.	PUNCT
easat-9942	205	1	according	accord	VERB
easat-9942	205	2	to	to	ADP
easat-9942	205	3	saragih	saragih	PROPN
easat-9942	205	4	,	,	PUNCT
easat-9942	205	5	an	an	DET
easat-9942	205	6	excessive	excessive	ADJ
easat-9942	205	7	emphasis	emphasis	NOUN
easat-9942	205	8	on	on	ADP
easat-9942	205	9	physical	physical	ADJ
easat-9942	205	10	collateral	collateral	NOUN
easat-9942	205	11	not	not	PART
easat-9942	205	12	only	only	ADV
easat-9942	205	13	limits	limit	VERB
easat-9942	205	14	the	the	DET
easat-9942	205	15	debtor	debtor	NOUN
easat-9942	205	16	's	's	PART
easat-9942	205	17	room	room	NOUN
easat-9942	205	18	for	for	ADP
easat-9942	205	19	maneuver	maneuver	NOUN
easat-9942	205	20	,	,	PUNCT
easat-9942	205	21	but	but	CCONJ
easat-9942	205	22	also	also	ADV
easat-9942	205	23	distances	distance	VERB
easat-9942	205	24	banking	banking	NOUN
easat-9942	205	25	from	from	ADP
easat-9942	205	26	the	the	DET
easat-9942	205	27	principles	principle	NOUN
easat-9942	205	28	of	of	ADP
easat-9942	205	29	strategic	strategic	ADJ
easat-9942	205	30	partnership	partnership	NOUN
easat-9942	205	31	that	that	SCONJ
easat-9942	205	32	767	767	NUM
easat-9942	205	33	edelweiss	edelweiss	PROPN
easat-9942	205	34	applied	apply	VERB
easat-9942	205	35	science	science	NOUN
easat-9942	205	36	and	and	CCONJ
easat-9942	205	37	technology	technology	NOUN
easat-9942	205	38	issn	issn	PROPN
easat-9942	205	39	:	:	PUNCT
easat-9942	205	40	2576	2576	NUM
easat-9942	205	41	-	-	SYM
easat-9942	205	42	8484	8484	NUM
easat-9942	205	43	vol	vol	NOUN
easat-9942	205	44	.	.	PROPN
easat-9942	206	1	9	9	NUM
easat-9942	206	2	,	,	PUNCT
easat-9942	206	3	no	no	INTJ
easat-9942	206	4	.	.	NOUN
easat-9942	206	5	9	9	NUM
easat-9942	206	6	:	:	PUNCT
easat-9942	206	7	761	761	NUM
easat-9942	206	8	-	-	SYM
easat-9942	206	9	773	773	NUM
easat-9942	206	10	,	,	PUNCT
easat-9942	206	11	2025	2025	NUM
easat-9942	206	12	doi	doi	NOUN
easat-9942	206	13	:	:	PUNCT
easat-9942	206	14	10.55214/2576	10.55214/2576	NUM
easat-9942	206	15	-	-	PUNCT
easat-9942	206	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	206	17	©	©	ADP
easat-9942	206	18	2025	2025	NUM
easat-9942	206	19	by	by	ADP
easat-9942	206	20	the	the	DET
easat-9942	206	21	authors	author	NOUN
easat-9942	206	22	;	;	PUNCT
easat-9942	206	23	licensee	licensee	PROPN
easat-9942	206	24	learning	learning	NOUN
easat-9942	206	25	gate	gate	NOUN
easat-9942	206	26	should	should	AUX
easat-9942	206	27	be	be	AUX
easat-9942	206	28	fostered	foster	VERB
easat-9942	206	29	in	in	ADP
easat-9942	206	30	a	a	DET
easat-9942	206	31	healthy	healthy	ADJ
easat-9942	206	32	financing	financing	NOUN
easat-9942	206	33	ecosystem	ecosystem	NOUN
easat-9942	206	34	[	[	X
easat-9942	206	35	36	36	NUM
easat-9942	206	36	]	]	PUNCT
easat-9942	206	37	.	.	PUNCT
easat-9942	207	1	this	this	PRON
easat-9942	207	2	is	be	AUX
easat-9942	207	3	where	where	SCONJ
easat-9942	207	4	the	the	DET
easat-9942	207	5	current	current	ADJ
easat-9942	207	6	system	system	NOUN
easat-9942	207	7	appears	appear	VERB
easat-9942	207	8	to	to	PART
easat-9942	207	9	be	be	AUX
easat-9942	207	10	more	more	ADV
easat-9942	207	11	capitalistic	capitalistic	ADJ
easat-9942	207	12	and	and	CCONJ
easat-9942	207	13	liberal	liberal	ADJ
easat-9942	207	14	in	in	ADP
easat-9942	207	15	its	its	PRON
easat-9942	207	16	approach	approach	NOUN
easat-9942	207	17	,	,	PUNCT
easat-9942	207	18	without	without	ADP
easat-9942	207	19	favoring	favor	VERB
easat-9942	207	20	economic	economic	ADJ
easat-9942	207	21	justice	justice	NOUN
easat-9942	207	22	in	in	ADP
easat-9942	207	23	line	line	NOUN
easat-9942	207	24	with	with	ADP
easat-9942	207	25	the	the	DET
easat-9942	207	26	values	value	NOUN
easat-9942	207	27	of	of	ADP
easat-9942	207	28	pancasila	pancasila	PROPN
easat-9942	207	29	.	.	PUNCT
easat-9942	208	1	in	in	ADP
easat-9942	208	2	the	the	DET
easat-9942	208	3	context	context	NOUN
easat-9942	208	4	of	of	ADP
easat-9942	208	5	the	the	DET
easat-9942	208	6	4.0	4.0	NUM
easat-9942	208	7	industrial	industrial	ADJ
easat-9942	208	8	transformation	transformation	NOUN
easat-9942	208	9	,	,	PUNCT
easat-9942	208	10	banks	bank	NOUN
easat-9942	208	11	are	be	AUX
easat-9942	208	12	required	require	VERB
easat-9942	208	13	to	to	PART
easat-9942	208	14	undergo	undergo	VERB
easat-9942	208	15	business	business	NOUN
easat-9942	208	16	reengineering	reengineering	NOUN
easat-9942	208	17	.	.	PUNCT
easat-9942	209	1	major	major	ADJ
easat-9942	209	2	changes	change	NOUN
easat-9942	209	3	in	in	ADP
easat-9942	209	4	the	the	DET
easat-9942	209	5	industrial	industrial	ADJ
easat-9942	209	6	ecosystem	ecosystem	NOUN
easat-9942	209	7	,	,	PUNCT
easat-9942	209	8	such	such	ADJ
easat-9942	209	9	as	as	ADP
easat-9942	209	10	the	the	DET
easat-9942	209	11	use	use	NOUN
easat-9942	209	12	of	of	ADP
easat-9942	209	13	cyber	cyber	NOUN
easat-9942	209	14	-	-	PUNCT
easat-9942	209	15	physical	physical	ADJ
easat-9942	209	16	systems	system	NOUN
easat-9942	209	17	and	and	CCONJ
easat-9942	209	18	the	the	DET
easat-9942	209	19	internet	internet	NOUN
easat-9942	209	20	of	of	ADP
easat-9942	209	21	things	thing	NOUN
easat-9942	209	22	(	(	PUNCT
easat-9942	209	23	iot	iot	NOUN
easat-9942	209	24	)	)	PUNCT
easat-9942	209	25	,	,	PUNCT
easat-9942	209	26	also	also	ADV
easat-9942	209	27	require	require	VERB
easat-9942	209	28	a	a	DET
easat-9942	209	29	transformation	transformation	NOUN
easat-9942	209	30	from	from	ADP
easat-9942	209	31	a	a	DET
easat-9942	209	32	collateral	collateral	ADJ
easat-9942	209	33	system	system	NOUN
easat-9942	209	34	that	that	PRON
easat-9942	209	35	was	be	AUX
easat-9942	209	36	originally	originally	ADV
easat-9942	209	37	based	base	VERB
easat-9942	209	38	on	on	ADP
easat-9942	209	39	physical	physical	ADJ
easat-9942	209	40	assets	asset	NOUN
easat-9942	209	41	to	to	ADP
easat-9942	209	42	a	a	DET
easat-9942	209	43	performance	performance	NOUN
easat-9942	209	44	-	-	PUNCT
easat-9942	209	45	based	base	VERB
easat-9942	209	46	collateral	collateral	ADJ
easat-9942	209	47	system	system	NOUN
easat-9942	209	48	[	[	X
easat-9942	209	49	37	37	NUM
easat-9942	209	50	]	]	PUNCT
easat-9942	209	51	.	.	PUNCT
easat-9942	210	1	the	the	DET
easat-9942	210	2	first	first	ADJ
easat-9942	210	3	step	step	NOUN
easat-9942	210	4	is	be	AUX
easat-9942	210	5	to	to	PART
easat-9942	210	6	change	change	VERB
easat-9942	210	7	the	the	DET
easat-9942	210	8	perspective	perspective	NOUN
easat-9942	210	9	on	on	ADP
easat-9942	210	10	the	the	DET
easat-9942	210	11	function	function	NOUN
easat-9942	210	12	of	of	ADP
easat-9942	210	13	collateral	collateral	NOUN
easat-9942	210	14	itself	itself	PRON
easat-9942	210	15	.	.	PUNCT
easat-9942	211	1	it	it	PRON
easat-9942	211	2	is	be	AUX
easat-9942	211	3	no	no	ADV
easat-9942	211	4	longer	long	ADV
easat-9942	211	5	merely	merely	ADV
easat-9942	211	6	a	a	DET
easat-9942	211	7	tool	tool	NOUN
easat-9942	211	8	to	to	PART
easat-9942	211	9	cover	cover	VERB
easat-9942	211	10	bank	bank	NOUN
easat-9942	211	11	losses	loss	NOUN
easat-9942	211	12	,	,	PUNCT
easat-9942	211	13	but	but	CCONJ
easat-9942	211	14	a	a	DET
easat-9942	211	15	form	form	NOUN
easat-9942	211	16	of	of	ADP
easat-9942	211	17	synergy	synergy	NOUN
easat-9942	211	18	between	between	ADP
easat-9942	211	19	banks	bank	NOUN
easat-9942	211	20	and	and	CCONJ
easat-9942	211	21	debtors	debtor	NOUN
easat-9942	211	22	in	in	ADP
easat-9942	211	23	achieving	achieve	VERB
easat-9942	211	24	common	common	ADJ
easat-9942	211	25	economic	economic	ADJ
easat-9942	211	26	goals	goal	NOUN
easat-9942	211	27	.	.	PUNCT
easat-9942	212	1	this	this	DET
easat-9942	212	2	paradigm	paradigm	NOUN
easat-9942	212	3	brings	bring	VERB
easat-9942	212	4	banks	bank	NOUN
easat-9942	212	5	to	to	ADP
easat-9942	212	6	a	a	DET
easat-9942	212	7	more	more	ADV
easat-9942	212	8	active	active	ADJ
easat-9942	212	9	role	role	NOUN
easat-9942	212	10	in	in	ADP
easat-9942	212	11	assessing	assess	VERB
easat-9942	212	12	and	and	CCONJ
easat-9942	212	13	fostering	foster	VERB
easat-9942	212	14	debtor	debtor	NOUN
easat-9942	212	15	businesses	business	NOUN
easat-9942	212	16	.	.	PUNCT
easat-9942	213	1	the	the	DET
easat-9942	213	2	performance	performance	NOUN
easat-9942	213	3	-	-	PUNCT
easat-9942	213	4	based	base	VERB
easat-9942	213	5	collateral	collateral	ADJ
easat-9942	213	6	system	system	NOUN
easat-9942	213	7	paradigm	paradigm	NOUN
easat-9942	213	8	emphasizes	emphasize	VERB
easat-9942	213	9	the	the	DET
easat-9942	213	10	importance	importance	NOUN
easat-9942	213	11	of	of	ADP
easat-9942	213	12	active	active	ADJ
easat-9942	213	13	bank	bank	NOUN
easat-9942	213	14	involvement	involvement	NOUN
easat-9942	213	15	in	in	ADP
easat-9942	213	16	analyzing	analyze	VERB
easat-9942	213	17	and	and	CCONJ
easat-9942	213	18	monitoring	monitor	VERB
easat-9942	213	19	the	the	DET
easat-9942	213	20	performance	performance	NOUN
easat-9942	213	21	of	of	ADP
easat-9942	213	22	the	the	DET
easat-9942	213	23	debtor	debtor	NOUN
easat-9942	213	24	's	's	PART
easat-9942	213	25	business	business	NOUN
easat-9942	213	26	.	.	PUNCT
easat-9942	214	1	banks	bank	NOUN
easat-9942	214	2	do	do	AUX
easat-9942	214	3	not	not	PART
easat-9942	214	4	simply	simply	ADV
easat-9942	214	5	disburse	disburse	VERB
easat-9942	214	6	funds	fund	NOUN
easat-9942	214	7	and	and	CCONJ
easat-9942	214	8	wait	wait	VERB
easat-9942	214	9	for	for	ADP
easat-9942	214	10	installment	installment	NOUN
easat-9942	214	11	payments	payment	NOUN
easat-9942	214	12	,	,	PUNCT
easat-9942	214	13	but	but	CCONJ
easat-9942	214	14	also	also	ADV
easat-9942	214	15	participate	participate	VERB
easat-9942	214	16	in	in	ADP
easat-9942	214	17	assessing	assess	VERB
easat-9942	214	18	project	project	NOUN
easat-9942	214	19	feasibility	feasibility	NOUN
easat-9942	214	20	,	,	PUNCT
easat-9942	214	21	managerial	managerial	ADJ
easat-9942	214	22	capabilities	capability	NOUN
easat-9942	214	23	,	,	PUNCT
easat-9942	214	24	and	and	CCONJ
easat-9942	214	25	business	business	NOUN
easat-9942	214	26	sustainability	sustainability	NOUN
easat-9942	214	27	potential	potential	NOUN
easat-9942	214	28	.	.	PUNCT
easat-9942	215	1	in	in	ADP
easat-9942	215	2	this	this	DET
easat-9942	215	3	case	case	NOUN
easat-9942	215	4	,	,	PUNCT
easat-9942	215	5	losses	loss	NOUN
easat-9942	215	6	due	due	ADJ
easat-9942	215	7	to	to	ADP
easat-9942	215	8	non	non	ADJ
easat-9942	215	9	-	-	ADJ
easat-9942	215	10	performing	perform	VERB
easat-9942	215	11	loans	loan	NOUN
easat-9942	215	12	are	be	AUX
easat-9942	215	13	no	no	ADV
easat-9942	215	14	longer	long	ADV
easat-9942	215	15	borne	bear	VERB
easat-9942	215	16	solely	solely	ADV
easat-9942	215	17	by	by	ADP
easat-9942	215	18	the	the	DET
easat-9942	215	19	debtor	debtor	NOUN
easat-9942	215	20	,	,	PUNCT
easat-9942	215	21	but	but	CCONJ
easat-9942	215	22	become	become	VERB
easat-9942	215	23	a	a	DET
easat-9942	215	24	shared	share	VERB
easat-9942	215	25	responsibility	responsibility	NOUN
easat-9942	215	26	.	.	PUNCT
easat-9942	216	1	this	this	DET
easat-9942	216	2	approach	approach	NOUN
easat-9942	216	3	has	have	AUX
easat-9942	216	4	been	be	AUX
easat-9942	216	5	adopted	adopt	VERB
easat-9942	216	6	in	in	ADP
easat-9942	216	7	modern	modern	ADJ
easat-9942	216	8	credit	credit	NOUN
easat-9942	216	9	restructuring	restructuring	NOUN
easat-9942	216	10	practices	practice	NOUN
easat-9942	216	11	,	,	PUNCT
easat-9942	216	12	such	such	ADJ
easat-9942	216	13	as	as	ADP
easat-9942	216	14	converting	convert	VERB
easat-9942	216	15	debt	debt	NOUN
easat-9942	216	16	into	into	ADP
easat-9942	216	17	temporary	temporary	ADJ
easat-9942	216	18	equity	equity	NOUN
easat-9942	216	19	or	or	CCONJ
easat-9942	216	20	reducing	reduce	VERB
easat-9942	216	21	interest	interest	NOUN
easat-9942	216	22	rates	rate	NOUN
easat-9942	216	23	[	[	X
easat-9942	216	24	38	38	NUM
easat-9942	216	25	]	]	PUNCT
easat-9942	216	26	.	.	PUNCT
easat-9942	217	1	what	what	PRON
easat-9942	217	2	is	be	AUX
easat-9942	217	3	guaranteed	guarantee	VERB
easat-9942	217	4	in	in	ADP
easat-9942	217	5	performance	performance	NOUN
easat-9942	217	6	guarantees	guarantee	NOUN
easat-9942	217	7	is	be	AUX
easat-9942	217	8	not	not	PART
easat-9942	217	9	merely	merely	ADV
easat-9942	217	10	objects	object	NOUN
easat-9942	217	11	,	,	PUNCT
easat-9942	217	12	but	but	CCONJ
easat-9942	217	13	the	the	DET
easat-9942	217	14	performance	performance	NOUN
easat-9942	217	15	of	of	ADP
easat-9942	217	16	the	the	DET
easat-9942	217	17	debtor	debtor	NOUN
easat-9942	217	18	.	.	PUNCT
easat-9942	218	1	this	this	PRON
easat-9942	218	2	is	be	AUX
easat-9942	218	3	in	in	ADP
easat-9942	218	4	line	line	NOUN
easat-9942	218	5	with	with	ADP
easat-9942	218	6	article	article	NOUN
easat-9942	218	7	8	8	NUM
easat-9942	218	8	paragraph	paragraph	NOUN
easat-9942	218	9	(	(	PUNCT
easat-9942	218	10	1	1	NUM
easat-9942	218	11	)	)	PUNCT
easat-9942	218	12	of	of	ADP
easat-9942	218	13	the	the	DET
easat-9942	218	14	banking	banking	NOUN
easat-9942	218	15	law	law	NOUN
easat-9942	218	16	,	,	PUNCT
easat-9942	218	17	which	which	PRON
easat-9942	218	18	states	state	VERB
easat-9942	218	19	that	that	SCONJ
easat-9942	218	20	in	in	ADP
easat-9942	218	21	disbursing	disburse	VERB
easat-9942	218	22	credit	credit	NOUN
easat-9942	218	23	,	,	PUNCT
easat-9942	218	24	banks	bank	NOUN
easat-9942	218	25	must	must	AUX
easat-9942	218	26	ascertain	ascertain	VERB
easat-9942	218	27	the	the	DET
easat-9942	218	28	ability	ability	NOUN
easat-9942	218	29	,	,	PUNCT
easat-9942	218	30	character	character	NOUN
easat-9942	218	31	,	,	PUNCT
easat-9942	218	32	capital	capital	NOUN
easat-9942	218	33	,	,	PUNCT
easat-9942	218	34	and	and	CCONJ
easat-9942	218	35	economic	economic	ADJ
easat-9942	218	36	conditions	condition	NOUN
easat-9942	218	37	of	of	ADP
easat-9942	218	38	prospective	prospective	ADJ
easat-9942	218	39	debtors	debtor	NOUN
easat-9942	218	40	.	.	PUNCT
easat-9942	219	1	according	accord	VERB
easat-9942	219	2	to	to	ADP
easat-9942	219	3	setiawan	setiawan	PROPN
easat-9942	219	4	,	,	PUNCT
easat-9942	219	5	these	these	DET
easat-9942	219	6	four	four	NUM
easat-9942	219	7	aspects	aspect	NOUN
easat-9942	219	8	are	be	AUX
easat-9942	219	9	the	the	DET
easat-9942	219	10	main	main	ADJ
easat-9942	219	11	performance	performance	NOUN
easat-9942	219	12	indicators	indicator	NOUN
easat-9942	219	13	that	that	PRON
easat-9942	219	14	must	must	AUX
easat-9942	219	15	be	be	AUX
easat-9942	219	16	used	use	VERB
easat-9942	219	17	as	as	ADP
easat-9942	219	18	measures	measure	NOUN
easat-9942	219	19	in	in	ADP
easat-9942	219	20	a	a	DET
easat-9942	219	21	performance	performance	NOUN
easat-9942	219	22	guarantee	guarantee	NOUN
easat-9942	219	23	system	system	NOUN
easat-9942	219	24	[	[	X
easat-9942	219	25	39	39	NUM
easat-9942	219	26	]	]	PUNCT
easat-9942	219	27	.	.	PUNCT
easat-9942	220	1	thus	thus	ADV
easat-9942	220	2	,	,	PUNCT
easat-9942	220	3	guarantees	guarantee	NOUN
easat-9942	220	4	are	be	AUX
easat-9942	220	5	not	not	PART
easat-9942	220	6	only	only	ADV
easat-9942	220	7	seen	see	VERB
easat-9942	220	8	as	as	ADP
easat-9942	220	9	collateral	collateral	NOUN
easat-9942	220	10	with	with	ADP
easat-9942	220	11	executable	executable	ADJ
easat-9942	220	12	value	value	NOUN
easat-9942	220	13	,	,	PUNCT
easat-9942	220	14	but	but	CCONJ
easat-9942	220	15	as	as	ADP
easat-9942	220	16	a	a	DET
easat-9942	220	17	measure	measure	NOUN
easat-9942	220	18	of	of	ADP
easat-9942	220	19	the	the	DET
easat-9942	220	20	bank	bank	NOUN
easat-9942	220	21	's	's	PART
easat-9942	220	22	confidence	confidence	NOUN
easat-9942	220	23	in	in	ADP
easat-9942	220	24	the	the	DET
easat-9942	220	25	debtor	debtor	NOUN
easat-9942	220	26	's	's	PART
easat-9942	220	27	good	good	ADJ
easat-9942	220	28	faith	faith	NOUN
easat-9942	220	29	and	and	CCONJ
easat-9942	220	30	capabilities	capability	NOUN
easat-9942	220	31	.	.	PUNCT
easat-9942	221	1	collateral	collateral	NOUN
easat-9942	221	2	in	in	ADP
easat-9942	221	3	the	the	DET
easat-9942	221	4	narrow	narrow	ADJ
easat-9942	221	5	sense	sense	NOUN
easat-9942	221	6	,	,	PUNCT
easat-9942	221	7	i.e.	i.e.	X
easat-9942	221	8	,	,	PUNCT
easat-9942	221	9	limited	limit	VERB
easat-9942	221	10	to	to	ADP
easat-9942	221	11	security	security	NOUN
easat-9942	221	12	or	or	CCONJ
easat-9942	221	13	collateral	collateral	NOUN
easat-9942	221	14	,	,	PUNCT
easat-9942	221	15	is	be	AUX
easat-9942	221	16	no	no	ADV
easat-9942	221	17	longer	long	ADV
easat-9942	221	18	relevant	relevant	ADJ
easat-9942	221	19	if	if	SCONJ
easat-9942	221	20	applied	apply	VERB
easat-9942	221	21	rigidly	rigidly	ADV
easat-9942	221	22	in	in	ADP
easat-9942	221	23	the	the	DET
easat-9942	221	24	modern	modern	ADJ
easat-9942	221	25	business	business	NOUN
easat-9942	221	26	era	era	NOUN
easat-9942	221	27	.	.	PUNCT
easat-9942	222	1	banks	bank	NOUN
easat-9942	222	2	that	that	PRON
easat-9942	222	3	still	still	ADV
easat-9942	222	4	use	use	VERB
easat-9942	222	5	this	this	DET
easat-9942	222	6	approach	approach	NOUN
easat-9942	222	7	will	will	AUX
easat-9942	222	8	lag	lag	VERB
easat-9942	222	9	behind	behind	ADP
easat-9942	222	10	market	market	NOUN
easat-9942	222	11	realities	reality	NOUN
easat-9942	222	12	,	,	PUNCT
easat-9942	222	13	which	which	PRON
easat-9942	222	14	now	now	ADV
easat-9942	222	15	demand	demand	VERB
easat-9942	222	16	flexibility	flexibility	NOUN
easat-9942	222	17	and	and	CCONJ
easat-9942	222	18	the	the	DET
easat-9942	222	19	courage	courage	NOUN
easat-9942	222	20	to	to	PART
easat-9942	222	21	take	take	VERB
easat-9942	222	22	data	data	NOUN
easat-9942	222	23	-	-	PUNCT
easat-9942	222	24	based	base	VERB
easat-9942	222	25	risks	risk	NOUN
easat-9942	222	26	.	.	PUNCT
easat-9942	223	1	this	this	PRON
easat-9942	223	2	confirms	confirm	VERB
easat-9942	223	3	that	that	SCONJ
easat-9942	223	4	in	in	ADP
easat-9942	223	5	a	a	DET
easat-9942	223	6	performance	performance	NOUN
easat-9942	223	7	system	system	NOUN
easat-9942	223	8	,	,	PUNCT
easat-9942	223	9	collateral	collateral	NOUN
easat-9942	223	10	is	be	AUX
easat-9942	223	11	still	still	ADV
easat-9942	223	12	necessary	necessary	ADJ
easat-9942	223	13	,	,	PUNCT
easat-9942	223	14	but	but	CCONJ
easat-9942	223	15	its	its	PRON
easat-9942	223	16	function	function	NOUN
easat-9942	223	17	has	have	AUX
easat-9942	223	18	changed	change	VERB
easat-9942	223	19	from	from	ADP
easat-9942	223	20	merely	merely	ADV
easat-9942	223	21	covering	cover	VERB
easat-9942	223	22	risk	risk	NOUN
easat-9942	223	23	to	to	ADP
easat-9942	223	24	symbolizing	symbolize	VERB
easat-9942	223	25	corporate	corporate	ADJ
easat-9942	223	26	responsibility	responsibility	NOUN
easat-9942	223	27	[	[	X
easat-9942	223	28	40	40	NUM
easat-9942	223	29	]	]	PUNCT
easat-9942	223	30	.	.	PUNCT
easat-9942	224	1	its	its	PRON
easat-9942	224	2	form	form	NOUN
easat-9942	224	3	is	be	AUX
easat-9942	224	4	also	also	ADV
easat-9942	224	5	more	more	ADV
easat-9942	224	6	adaptive	adaptive	ADJ
easat-9942	224	7	,	,	PUNCT
easat-9942	224	8	such	such	ADJ
easat-9942	224	9	as	as	ADP
easat-9942	224	10	shares	share	NOUN
easat-9942	224	11	,	,	PUNCT
easat-9942	224	12	patents	patent	NOUN
easat-9942	224	13	,	,	PUNCT
easat-9942	224	14	technology	technology	NOUN
easat-9942	224	15	,	,	PUNCT
easat-9942	224	16	and	and	CCONJ
easat-9942	224	17	even	even	ADV
easat-9942	224	18	business	business	NOUN
easat-9942	224	19	profit	profit	NOUN
easat-9942	224	20	projections	projection	NOUN
easat-9942	224	21	.	.	PUNCT
easat-9942	225	1	in	in	ADP
easat-9942	225	2	addition	addition	NOUN
easat-9942	225	3	to	to	ADP
easat-9942	225	4	changes	change	NOUN
easat-9942	225	5	in	in	ADP
easat-9942	225	6	the	the	DET
easat-9942	225	7	banking	banking	NOUN
easat-9942	225	8	paradigm	paradigm	NOUN
easat-9942	225	9	,	,	PUNCT
easat-9942	225	10	there	there	PRON
easat-9942	225	11	is	be	VERB
easat-9942	225	12	also	also	ADV
easat-9942	225	13	a	a	DET
easat-9942	225	14	need	need	NOUN
easat-9942	225	15	for	for	ADP
easat-9942	225	16	recognition	recognition	NOUN
easat-9942	225	17	of	of	ADP
easat-9942	225	18	a	a	DET
easat-9942	225	19	more	more	ADV
easat-9942	225	20	operational	operational	ADJ
easat-9942	225	21	legal	legal	ADJ
easat-9942	225	22	system	system	NOUN
easat-9942	225	23	.	.	PUNCT
easat-9942	226	1	currently	currently	ADV
easat-9942	226	2	,	,	PUNCT
easat-9942	226	3	various	various	ADJ
easat-9942	226	4	instruments	instrument	NOUN
easat-9942	226	5	such	such	ADJ
easat-9942	226	6	as	as	ADP
easat-9942	226	7	standard	standard	ADJ
easat-9942	226	8	operating	operating	NOUN
easat-9942	226	9	procedures	procedure	NOUN
easat-9942	226	10	(	(	PUNCT
easat-9942	226	11	sops	sop	NOUN
easat-9942	226	12	)	)	PUNCT
easat-9942	226	13	,	,	PUNCT
easat-9942	226	14	policy	policy	NOUN
easat-9942	226	15	manuals	manual	NOUN
easat-9942	226	16	,	,	PUNCT
easat-9942	226	17	and	and	CCONJ
easat-9942	226	18	work	work	NOUN
easat-9942	226	19	instructions	instruction	NOUN
easat-9942	226	20	implemented	implement	VERB
easat-9942	226	21	by	by	ADP
easat-9942	226	22	financial	financial	ADJ
easat-9942	226	23	institutions	institution	NOUN
easat-9942	226	24	are	be	AUX
easat-9942	226	25	not	not	PART
easat-9942	226	26	considered	consider	VERB
easat-9942	226	27	part	part	NOUN
easat-9942	226	28	of	of	ADP
easat-9942	226	29	binding	bind	VERB
easat-9942	226	30	legal	legal	ADJ
easat-9942	226	31	norms	norm	NOUN
easat-9942	226	32	because	because	SCONJ
easat-9942	226	33	they	they	PRON
easat-9942	226	34	are	be	AUX
easat-9942	226	35	not	not	PART
easat-9942	226	36	included	include	VERB
easat-9942	226	37	in	in	ADP
easat-9942	226	38	the	the	DET
easat-9942	226	39	hierarchy	hierarchy	NOUN
easat-9942	226	40	of	of	ADP
easat-9942	226	41	laws	law	NOUN
easat-9942	226	42	and	and	CCONJ
easat-9942	226	43	regulations	regulation	NOUN
easat-9942	226	44	.	.	PUNCT
easat-9942	227	1	however	however	ADV
easat-9942	227	2	,	,	PUNCT
easat-9942	227	3	according	accord	VERB
easat-9942	227	4	to	to	ADP
easat-9942	227	5	purnomo	purnomo	ADJ
easat-9942	227	6	,	,	PUNCT
easat-9942	227	7	these	these	DET
easat-9942	227	8	documents	document	NOUN
easat-9942	227	9	are	be	AUX
easat-9942	227	10	a	a	DET
easat-9942	227	11	tangible	tangible	ADJ
easat-9942	227	12	manifestation	manifestation	NOUN
easat-9942	227	13	of	of	ADP
easat-9942	227	14	operational	operational	ADJ
easat-9942	227	15	law	law	NOUN
easat-9942	227	16	and	and	CCONJ
easat-9942	227	17	can	can	AUX
easat-9942	227	18	be	be	AUX
easat-9942	227	19	used	use	VERB
easat-9942	227	20	as	as	ADP
easat-9942	227	21	an	an	DET
easat-9942	227	22	audit	audit	NOUN
easat-9942	227	23	tool	tool	NOUN
easat-9942	227	24	to	to	PART
easat-9942	227	25	ensure	ensure	VERB
easat-9942	227	26	legal	legal	ADJ
easat-9942	227	27	compliance	compliance	NOUN
easat-9942	227	28	[	[	X
easat-9942	227	29	41	41	NUM
easat-9942	227	30	]	]	PUNCT
easat-9942	227	31	.	.	PUNCT
easat-9942	228	1	therefore	therefore	ADV
easat-9942	228	2	,	,	PUNCT
easat-9942	228	3	strengthening	strengthen	VERB
easat-9942	228	4	legal	legal	ADJ
easat-9942	228	5	recognition	recognition	NOUN
easat-9942	228	6	of	of	ADP
easat-9942	228	7	this	this	DET
easat-9942	228	8	internal	internal	ADJ
easat-9942	228	9	management	management	NOUN
easat-9942	228	10	system	system	NOUN
easat-9942	228	11	is	be	AUX
easat-9942	228	12	an	an	DET
easat-9942	228	13	important	important	ADJ
easat-9942	228	14	part	part	NOUN
easat-9942	228	15	of	of	ADP
easat-9942	228	16	performance	performance	NOUN
easat-9942	228	17	-	-	PUNCT
easat-9942	228	18	based	base	VERB
easat-9942	228	19	guarantee	guarantee	NOUN
easat-9942	228	20	system	system	NOUN
easat-9942	228	21	reform	reform	NOUN
easat-9942	228	22	.	.	PUNCT
easat-9942	229	1	the	the	DET
easat-9942	229	2	comprehensive	comprehensive	ADJ
easat-9942	229	3	implementation	implementation	NOUN
easat-9942	229	4	of	of	ADP
easat-9942	229	5	a	a	DET
easat-9942	229	6	performance	performance	NOUN
easat-9942	229	7	-	-	PUNCT
easat-9942	229	8	based	base	VERB
easat-9942	229	9	guarantee	guarantee	NOUN
easat-9942	229	10	system	system	NOUN
easat-9942	229	11	can	can	AUX
easat-9942	229	12	not	not	PART
easat-9942	229	13	be	be	AUX
easat-9942	229	14	done	do	VERB
easat-9942	229	15	instantly	instantly	ADV
easat-9942	229	16	.	.	PUNCT
easat-9942	230	1	this	this	DET
easat-9942	230	2	process	process	NOUN
easat-9942	230	3	requires	require	VERB
easat-9942	230	4	a	a	DET
easat-9942	230	5	gradual	gradual	ADJ
easat-9942	230	6	transition	transition	NOUN
easat-9942	230	7	with	with	ADP
easat-9942	230	8	the	the	DET
easat-9942	230	9	support	support	NOUN
easat-9942	230	10	of	of	ADP
easat-9942	230	11	comprehensive	comprehensive	ADJ
easat-9942	230	12	public	public	ADJ
easat-9942	230	13	policies	policy	NOUN
easat-9942	230	14	and	and	CCONJ
easat-9942	230	15	the	the	DET
easat-9942	230	16	readiness	readiness	NOUN
easat-9942	230	17	of	of	ADP
easat-9942	230	18	all	all	DET
easat-9942	230	19	elements	element	NOUN
easat-9942	230	20	of	of	ADP
easat-9942	230	21	the	the	DET
easat-9942	230	22	banking	banking	NOUN
easat-9942	230	23	sector	sector	NOUN
easat-9942	230	24	.	.	PUNCT
easat-9942	231	1	the	the	DET
easat-9942	231	2	government	government	NOUN
easat-9942	231	3	,	,	PUNCT
easat-9942	231	4	through	through	ADP
easat-9942	231	5	financial	financial	ADJ
easat-9942	231	6	authorities	authority	NOUN
easat-9942	231	7	such	such	ADJ
easat-9942	231	8	as	as	ADP
easat-9942	231	9	the	the	DET
easat-9942	231	10	ojk	ojk	NOUN
easat-9942	231	11	and	and	CCONJ
easat-9942	231	12	bank	bank	PROPN
easat-9942	231	13	indonesia	indonesia	PROPN
easat-9942	231	14	,	,	PUNCT
easat-9942	231	15	needs	need	VERB
easat-9942	231	16	to	to	PART
easat-9942	231	17	formulate	formulate	VERB
easat-9942	231	18	derivative	derivative	ADJ
easat-9942	231	19	regulations	regulation	NOUN
easat-9942	231	20	that	that	PRON
easat-9942	231	21	encourage	encourage	VERB
easat-9942	231	22	banks	bank	NOUN
easat-9942	231	23	to	to	PART
easat-9942	231	24	gradually	gradually	ADV
easat-9942	231	25	adopt	adopt	VERB
easat-9942	231	26	a	a	DET
easat-9942	231	27	performance	performance	NOUN
easat-9942	231	28	-	-	PUNCT
easat-9942	231	29	based	base	VERB
easat-9942	231	30	approach	approach	NOUN
easat-9942	231	31	.	.	PUNCT
easat-9942	232	1	on	on	ADP
easat-9942	232	2	the	the	DET
easat-9942	232	3	other	other	ADJ
easat-9942	232	4	hand	hand	NOUN
easat-9942	232	5	,	,	PUNCT
easat-9942	232	6	training	training	NOUN
easat-9942	232	7	and	and	CCONJ
easat-9942	232	8	capacity	capacity	NOUN
easat-9942	232	9	building	building	NOUN
easat-9942	232	10	of	of	ADP
easat-9942	232	11	human	human	ADJ
easat-9942	232	12	resources	resource	NOUN
easat-9942	232	13	in	in	ADP
easat-9942	232	14	the	the	DET
easat-9942	232	15	banking	banking	NOUN
easat-9942	232	16	sector	sector	NOUN
easat-9942	232	17	are	be	AUX
easat-9942	232	18	a	a	DET
easat-9942	232	19	must	must	NOUN
easat-9942	232	20	so	so	SCONJ
easat-9942	232	21	that	that	SCONJ
easat-9942	232	22	bank	bank	NOUN
easat-9942	232	23	officials	official	NOUN
easat-9942	232	24	are	be	AUX
easat-9942	232	25	able	able	ADJ
easat-9942	232	26	to	to	PART
easat-9942	232	27	accurately	accurately	ADV
easat-9942	232	28	read	read	VERB
easat-9942	232	29	the	the	DET
easat-9942	232	30	dynamics	dynamic	NOUN
easat-9942	232	31	of	of	ADP
easat-9942	232	32	debtor	debtor	NOUN
easat-9942	232	33	performance	performance	NOUN
easat-9942	232	34	.	.	PUNCT
easat-9942	233	1	this	this	DET
easat-9942	233	2	transformation	transformation	NOUN
easat-9942	233	3	also	also	ADV
easat-9942	233	4	requires	require	VERB
easat-9942	233	5	technological	technological	ADJ
easat-9942	233	6	integration	integration	NOUN
easat-9942	233	7	,	,	PUNCT
easat-9942	233	8	particularly	particularly	ADV
easat-9942	233	9	for	for	ADP
easat-9942	233	10	accurate	accurate	ADJ
easat-9942	233	11	performance	performance	NOUN
easat-9942	233	12	data	datum	NOUN
easat-9942	233	13	management	management	NOUN
easat-9942	233	14	and	and	CCONJ
easat-9942	233	15	risk	risk	NOUN
easat-9942	233	16	management	management	NOUN
easat-9942	233	17	.	.	PUNCT
easat-9942	234	1	with	with	ADP
easat-9942	234	2	adequate	adequate	ADJ
easat-9942	234	3	legal	legal	ADJ
easat-9942	234	4	and	and	CCONJ
easat-9942	234	5	technological	technological	ADJ
easat-9942	234	6	infrastructure	infrastructure	NOUN
easat-9942	234	7	,	,	PUNCT
easat-9942	234	8	the	the	DET
easat-9942	234	9	performance	performance	NOUN
easat-9942	234	10	guarantee	guarantee	NOUN
easat-9942	234	11	system	system	NOUN
easat-9942	234	12	will	will	AUX
easat-9942	234	13	become	become	VERB
easat-9942	234	14	a	a	DET
easat-9942	234	15	catalyst	catalyst	NOUN
easat-9942	234	16	for	for	ADP
easat-9942	234	17	more	more	ADV
easat-9942	234	18	equitable	equitable	ADJ
easat-9942	234	19	,	,	PUNCT
easat-9942	234	20	responsive	responsive	ADJ
easat-9942	234	21	,	,	PUNCT
easat-9942	234	22	and	and	CCONJ
easat-9942	234	23	strategic	strategic	ADJ
easat-9942	234	24	financing	financing	NOUN
easat-9942	234	25	.	.	PUNCT
easat-9942	235	1	changes	change	NOUN
easat-9942	235	2	to	to	ADP
easat-9942	235	3	the	the	DET
easat-9942	235	4	guarantee	guarantee	NOUN
easat-9942	235	5	system	system	NOUN
easat-9942	235	6	also	also	ADV
easat-9942	235	7	require	require	VERB
easat-9942	235	8	the	the	DET
easat-9942	235	9	support	support	NOUN
easat-9942	235	10	of	of	ADP
easat-9942	235	11	an	an	DET
easat-9942	235	12	institutional	institutional	ADJ
easat-9942	235	13	culture	culture	NOUN
easat-9942	235	14	that	that	PRON
easat-9942	235	15	is	be	AUX
easat-9942	235	16	oriented	orient	VERB
easat-9942	235	17	towards	towards	ADP
easat-9942	235	18	quality	quality	NOUN
easat-9942	235	19	and	and	CCONJ
easat-9942	235	20	accountability	accountability	NOUN
easat-9942	235	21	.	.	PUNCT
easat-9942	236	1	the	the	DET
easat-9942	236	2	application	application	NOUN
easat-9942	236	3	of	of	ADP
easat-9942	236	4	the	the	DET
easat-9942	236	5	principles	principle	NOUN
easat-9942	236	6	of	of	ADP
easat-9942	236	7	a	a	DET
easat-9942	236	8	legal	legal	ADJ
easat-9942	236	9	quality	quality	NOUN
easat-9942	236	10	management	management	NOUN
easat-9942	236	11	system	system	NOUN
easat-9942	236	12	in	in	ADP
easat-9942	236	13	the	the	DET
easat-9942	236	14	banking	banking	NOUN
easat-9942	236	15	environment	environment	NOUN
easat-9942	236	16	must	must	AUX
easat-9942	236	17	become	become	VERB
easat-9942	236	18	a	a	DET
easat-9942	236	19	national	national	ADJ
easat-9942	236	20	standard	standard	NOUN
easat-9942	236	21	that	that	PRON
easat-9942	236	22	is	be	AUX
easat-9942	236	23	consistently	consistently	ADV
easat-9942	236	24	monitored	monitor	VERB
easat-9942	236	25	.	.	PUNCT
easat-9942	237	1	this	this	DET
easat-9942	237	2	768	768	NUM
easat-9942	237	3	edelweiss	edelweiss	PROPN
easat-9942	237	4	applied	apply	VERB
easat-9942	237	5	science	science	NOUN
easat-9942	237	6	and	and	CCONJ
easat-9942	237	7	technology	technology	NOUN
easat-9942	237	8	issn	issn	PROPN
easat-9942	237	9	:	:	PUNCT
easat-9942	237	10	2576	2576	NUM
easat-9942	237	11	-	-	SYM
easat-9942	237	12	8484	8484	NUM
easat-9942	237	13	vol	vol	NOUN
easat-9942	237	14	.	.	PROPN
easat-9942	238	1	9	9	NUM
easat-9942	238	2	,	,	PUNCT
easat-9942	238	3	no	no	INTJ
easat-9942	238	4	.	.	NOUN
easat-9942	238	5	9	9	NUM
easat-9942	238	6	:	:	PUNCT
easat-9942	238	7	761	761	NUM
easat-9942	238	8	-	-	SYM
easat-9942	238	9	773	773	NUM
easat-9942	238	10	,	,	PUNCT
easat-9942	238	11	2025	2025	NUM
easat-9942	238	12	doi	doi	NOUN
easat-9942	238	13	:	:	PUNCT
easat-9942	238	14	10.55214/2576	10.55214/2576	NUM
easat-9942	238	15	-	-	PUNCT
easat-9942	238	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	238	17	©	©	ADP
easat-9942	238	18	2025	2025	NUM
easat-9942	238	19	by	by	ADP
easat-9942	238	20	the	the	DET
easat-9942	238	21	authors	author	NOUN
easat-9942	238	22	;	;	PUNCT
easat-9942	238	23	licensee	licensee	PROPN
easat-9942	238	24	learning	learning	NOUN
easat-9942	238	25	gate	gate	NOUN
easat-9942	238	26	includes	include	VERB
easat-9942	238	27	basic	basic	ADJ
easat-9942	238	28	principles	principle	NOUN
easat-9942	238	29	of	of	ADP
easat-9942	238	30	legal	legal	ADJ
easat-9942	238	31	quality	quality	NOUN
easat-9942	238	32	such	such	ADJ
easat-9942	238	33	as	as	ADP
easat-9942	238	34	freedom	freedom	NOUN
easat-9942	238	35	from	from	ADP
easat-9942	238	36	procedural	procedural	ADJ
easat-9942	238	37	defects	defect	NOUN
easat-9942	238	38	,	,	PUNCT
easat-9942	238	39	the	the	DET
easat-9942	238	40	ability	ability	NOUN
easat-9942	238	41	to	to	PART
easat-9942	238	42	satisfy	satisfy	VERB
easat-9942	238	43	service	service	NOUN
easat-9942	238	44	users	user	NOUN
easat-9942	238	45	,	,	PUNCT
easat-9942	238	46	and	and	CCONJ
easat-9942	238	47	a	a	DET
easat-9942	238	48	focus	focus	NOUN
easat-9942	238	49	on	on	ADP
easat-9942	238	50	continuous	continuous	ADJ
easat-9942	238	51	improvement	improvement	NOUN
easat-9942	238	52	.	.	PUNCT
easat-9942	239	1	this	this	PRON
easat-9942	239	2	will	will	AUX
easat-9942	239	3	strengthen	strengthen	VERB
easat-9942	239	4	the	the	DET
easat-9942	239	5	internal	internal	ADJ
easat-9942	239	6	control	control	NOUN
easat-9942	239	7	structure	structure	NOUN
easat-9942	239	8	and	and	CCONJ
easat-9942	239	9	encourage	encourage	VERB
easat-9942	239	10	the	the	DET
easat-9942	239	11	creation	creation	NOUN
easat-9942	239	12	of	of	ADP
easat-9942	239	13	a	a	DET
easat-9942	239	14	legal	legal	ADJ
easat-9942	239	15	culture	culture	NOUN
easat-9942	239	16	that	that	PRON
easat-9942	239	17	is	be	AUX
easat-9942	239	18	in	in	ADP
easat-9942	239	19	line	line	NOUN
easat-9942	239	20	with	with	ADP
easat-9942	239	21	business	business	NOUN
easat-9942	239	22	ethics	ethic	NOUN
easat-9942	239	23	.	.	PUNCT
easat-9942	240	1	if	if	SCONJ
easat-9942	240	2	all	all	DET
easat-9942	240	3	parties	party	NOUN
easat-9942	240	4	,	,	PUNCT
easat-9942	240	5	including	include	VERB
easat-9942	240	6	banks	bank	NOUN
easat-9942	240	7	,	,	PUNCT
easat-9942	240	8	customers	customer	NOUN
easat-9942	240	9	,	,	PUNCT
easat-9942	240	10	and	and	CCONJ
easat-9942	240	11	regulators	regulator	NOUN
easat-9942	240	12	,	,	PUNCT
easat-9942	240	13	share	share	VERB
easat-9942	240	14	the	the	DET
easat-9942	240	15	same	same	ADJ
easat-9942	240	16	quality	quality	NOUN
easat-9942	240	17	paradigm	paradigm	NOUN
easat-9942	240	18	,	,	PUNCT
easat-9942	240	19	the	the	DET
easat-9942	240	20	financial	financial	ADJ
easat-9942	240	21	system	system	NOUN
easat-9942	240	22	will	will	AUX
easat-9942	240	23	be	be	AUX
easat-9942	240	24	more	more	ADV
easat-9942	240	25	resilient	resilient	ADJ
easat-9942	240	26	and	and	CCONJ
easat-9942	240	27	inclusive	inclusive	ADJ
easat-9942	240	28	.	.	PUNCT
easat-9942	241	1	with	with	ADP
easat-9942	241	2	this	this	DET
easat-9942	241	3	approach	approach	NOUN
easat-9942	241	4	,	,	PUNCT
easat-9942	241	5	banks	bank	NOUN
easat-9942	241	6	will	will	AUX
easat-9942	241	7	no	no	ADV
easat-9942	241	8	longer	long	ADV
easat-9942	241	9	merely	merely	ADV
easat-9942	241	10	carry	carry	VERB
easat-9942	241	11	out	out	ADP
easat-9942	241	12	formal	formal	ADJ
easat-9942	241	13	obligations	obligation	NOUN
easat-9942	241	14	,	,	PUNCT
easat-9942	241	15	but	but	CCONJ
easat-9942	241	16	will	will	AUX
easat-9942	241	17	become	become	VERB
easat-9942	241	18	strategic	strategic	ADJ
easat-9942	241	19	partners	partner	NOUN
easat-9942	241	20	in	in	ADP
easat-9942	241	21	national	national	ADJ
easat-9942	241	22	economic	economic	ADJ
easat-9942	241	23	development	development	NOUN
easat-9942	241	24	based	base	VERB
easat-9942	241	25	on	on	ADP
easat-9942	241	26	performance	performance	NOUN
easat-9942	241	27	and	and	CCONJ
easat-9942	241	28	integrity	integrity	NOUN
easat-9942	241	29	.	.	PUNCT
easat-9942	242	1	the	the	DET
easat-9942	242	2	success	success	NOUN
easat-9942	242	3	of	of	ADP
easat-9942	242	4	the	the	DET
easat-9942	242	5	performance	performance	NOUN
easat-9942	242	6	-	-	PUNCT
easat-9942	242	7	based	base	VERB
easat-9942	242	8	guarantee	guarantee	NOUN
easat-9942	242	9	system	system	NOUN
easat-9942	242	10	is	be	AUX
easat-9942	242	11	not	not	PART
easat-9942	242	12	only	only	ADV
easat-9942	242	13	determined	determine	VERB
easat-9942	242	14	by	by	ADP
easat-9942	242	15	the	the	DET
easat-9942	242	16	strength	strength	NOUN
easat-9942	242	17	of	of	ADP
easat-9942	242	18	the	the	DET
easat-9942	242	19	rules	rule	NOUN
easat-9942	242	20	and	and	CCONJ
easat-9942	242	21	the	the	DET
easat-9942	242	22	readiness	readiness	NOUN
easat-9942	242	23	of	of	ADP
easat-9942	242	24	institutions	institution	NOUN
easat-9942	242	25	,	,	PUNCT
easat-9942	242	26	but	but	CCONJ
easat-9942	242	27	also	also	ADV
easat-9942	242	28	by	by	ADP
easat-9942	242	29	the	the	DET
easat-9942	242	30	collective	collective	ADJ
easat-9942	242	31	awareness	awareness	NOUN
easat-9942	242	32	to	to	PART
easat-9942	242	33	abandon	abandon	VERB
easat-9942	242	34	outdated	outdated	ADJ
easat-9942	242	35	conservative	conservative	ADJ
easat-9942	242	36	approaches	approach	NOUN
easat-9942	242	37	.	.	PUNCT
easat-9942	243	1	the	the	DET
easat-9942	243	2	courage	courage	NOUN
easat-9942	243	3	to	to	PART
easat-9942	243	4	take	take	VERB
easat-9942	243	5	measured	measure	VERB
easat-9942	243	6	and	and	CCONJ
easat-9942	243	7	data	data	NOUN
easat-9942	243	8	-	-	PUNCT
easat-9942	243	9	driven	drive	VERB
easat-9942	243	10	risks	risk	NOUN
easat-9942	243	11	is	be	AUX
easat-9942	243	12	key	key	ADJ
easat-9942	243	13	in	in	ADP
easat-9942	243	14	facing	face	VERB
easat-9942	243	15	the	the	DET
easat-9942	243	16	fast	fast	ADJ
easat-9942	243	17	and	and	CCONJ
easat-9942	243	18	complex	complex	ADJ
easat-9942	243	19	dynamics	dynamic	NOUN
easat-9942	243	20	of	of	ADP
easat-9942	243	21	the	the	DET
easat-9942	243	22	digital	digital	ADJ
easat-9942	243	23	economy	economy	NOUN
easat-9942	243	24	.	.	PUNCT
easat-9942	244	1	indonesia	indonesia	PROPN
easat-9942	244	2	has	have	VERB
easat-9942	244	3	a	a	DET
easat-9942	244	4	great	great	ADJ
easat-9942	244	5	opportunity	opportunity	NOUN
easat-9942	244	6	to	to	PART
easat-9942	244	7	become	become	VERB
easat-9942	244	8	a	a	DET
easat-9942	244	9	pioneer	pioneer	NOUN
easat-9942	244	10	in	in	ADP
easat-9942	244	11	the	the	DET
easat-9942	244	12	transformation	transformation	NOUN
easat-9942	244	13	of	of	ADP
easat-9942	244	14	a	a	DET
easat-9942	244	15	performance	performance	NOUN
easat-9942	244	16	-	-	PUNCT
easat-9942	244	17	based	base	VERB
easat-9942	244	18	guarantee	guarantee	NOUN
easat-9942	244	19	system	system	NOUN
easat-9942	244	20	rooted	root	VERB
easat-9942	244	21	in	in	ADP
easat-9942	244	22	the	the	DET
easat-9942	244	23	principle	principle	NOUN
easat-9942	244	24	of	of	ADP
easat-9942	244	25	substantive	substantive	ADJ
easat-9942	244	26	justice	justice	NOUN
easat-9942	244	27	.	.	PUNCT
easat-9942	245	1	if	if	SCONJ
easat-9942	245	2	implemented	implement	VERB
easat-9942	245	3	consistently	consistently	ADV
easat-9942	245	4	,	,	PUNCT
easat-9942	245	5	this	this	DET
easat-9942	245	6	reform	reform	NOUN
easat-9942	245	7	will	will	AUX
easat-9942	245	8	not	not	PART
easat-9942	245	9	only	only	ADV
easat-9942	245	10	boost	boost	VERB
easat-9942	245	11	the	the	DET
easat-9942	245	12	competitiveness	competitiveness	NOUN
easat-9942	245	13	of	of	ADP
easat-9942	245	14	the	the	DET
easat-9942	245	15	banking	banking	NOUN
easat-9942	245	16	sector	sector	NOUN
easat-9942	245	17	,	,	PUNCT
easat-9942	245	18	but	but	CCONJ
easat-9942	245	19	also	also	ADV
easat-9942	245	20	strengthen	strengthen	VERB
easat-9942	245	21	the	the	DET
easat-9942	245	22	national	national	ADJ
easat-9942	245	23	economy	economy	NOUN
easat-9942	245	24	structurally	structurally	ADV
easat-9942	245	25	.	.	PUNCT
easat-9942	246	1	thus	thus	ADV
easat-9942	246	2	,	,	PUNCT
easat-9942	246	3	the	the	DET
easat-9942	246	4	guarantee	guarantee	NOUN
easat-9942	246	5	system	system	NOUN
easat-9942	246	6	will	will	AUX
easat-9942	246	7	no	no	ADV
easat-9942	246	8	longer	long	ADV
easat-9942	246	9	be	be	AUX
easat-9942	246	10	merely	merely	ADV
easat-9942	246	11	a	a	DET
easat-9942	246	12	protection	protection	NOUN
easat-9942	246	13	tool	tool	NOUN
easat-9942	246	14	,	,	PUNCT
easat-9942	246	15	but	but	CCONJ
easat-9942	246	16	a	a	DET
easat-9942	246	17	means	means	NOUN
easat-9942	246	18	of	of	ADP
easat-9942	246	19	accelerating	accelerate	VERB
easat-9942	246	20	healthy	healthy	ADJ
easat-9942	246	21	,	,	PUNCT
easat-9942	246	22	fair	fair	ADJ
easat-9942	246	23	,	,	PUNCT
easat-9942	246	24	and	and	CCONJ
easat-9942	246	25	sustainable	sustainable	ADJ
easat-9942	246	26	business	business	NOUN
easat-9942	246	27	growth	growth	NOUN
easat-9942	246	28	.	.	PUNCT
easat-9942	247	1	1.3	1.3	NUM
easat-9942	247	2	.	.	PUNCT
easat-9942	247	3	paradigm	paradigm	NOUN
easat-9942	247	4	shift	shift	NOUN
easat-9942	247	5	as	as	ADP
easat-9942	247	6	the	the	DET
easat-9942	247	7	foundation	foundation	NOUN
easat-9942	247	8	for	for	ADP
easat-9942	247	9	performance	performance	NOUN
easat-9942	247	10	-	-	PUNCT
easat-9942	247	11	based	base	VERB
easat-9942	247	12	guarantee	guarantee	NOUN
easat-9942	247	13	regulations	regulation	NOUN
easat-9942	247	14	as	as	ADP
easat-9942	247	15	indonesian	indonesian	ADJ
easat-9942	247	16	banking	banking	NOUN
easat-9942	247	17	guarantees	guarantee	VERB
easat-9942	247	18	the	the	DET
easat-9942	247	19	transformation	transformation	NOUN
easat-9942	247	20	of	of	ADP
easat-9942	247	21	the	the	DET
easat-9942	247	22	national	national	ADJ
easat-9942	247	23	financial	financial	ADJ
easat-9942	247	24	system	system	NOUN
easat-9942	247	25	,	,	PUNCT
easat-9942	247	26	particularly	particularly	ADV
easat-9942	247	27	in	in	ADP
easat-9942	247	28	the	the	DET
easat-9942	247	29	banking	banking	NOUN
easat-9942	247	30	sector	sector	NOUN
easat-9942	247	31	,	,	PUNCT
easat-9942	247	32	has	have	AUX
easat-9942	247	33	become	become	VERB
easat-9942	247	34	an	an	DET
easat-9942	247	35	urgent	urgent	ADJ
easat-9942	247	36	necessity	necessity	NOUN
easat-9942	247	37	as	as	SCONJ
easat-9942	247	38	indonesia	indonesia	PROPN
easat-9942	247	39	enters	enter	VERB
easat-9942	247	40	the	the	DET
easat-9942	247	41	4.0	4.0	NUM
easat-9942	247	42	industrial	industrial	ADJ
easat-9942	247	43	revolution	revolution	NOUN
easat-9942	247	44	and	and	CCONJ
easat-9942	247	45	the	the	DET
easat-9942	247	46	development	development	NOUN
easat-9942	247	47	of	of	ADP
easat-9942	247	48	the	the	DET
easat-9942	247	49	global	global	ADJ
easat-9942	247	50	digital	digital	ADJ
easat-9942	247	51	economy	economy	NOUN
easat-9942	247	52	.	.	PUNCT
easat-9942	248	1	rapid	rapid	ADJ
easat-9942	248	2	changes	change	NOUN
easat-9942	248	3	in	in	ADP
easat-9942	248	4	transaction	transaction	NOUN
easat-9942	248	5	patterns	pattern	NOUN
easat-9942	248	6	,	,	PUNCT
easat-9942	248	7	consumer	consumer	NOUN
easat-9942	248	8	preferences	preference	NOUN
easat-9942	248	9	,	,	PUNCT
easat-9942	248	10	and	and	CCONJ
easat-9942	248	11	cross	cross	ADJ
easat-9942	248	12	-	-	ADJ
easat-9942	248	13	sector	sector	ADJ
easat-9942	248	14	business	business	NOUN
easat-9942	248	15	models	model	NOUN
easat-9942	248	16	require	require	VERB
easat-9942	248	17	the	the	DET
easat-9942	248	18	banking	banking	NOUN
easat-9942	248	19	system	system	NOUN
easat-9942	248	20	to	to	PART
easat-9942	248	21	adapt	adapt	VERB
easat-9942	248	22	structurally	structurally	ADV
easat-9942	248	23	and	and	CCONJ
easat-9942	248	24	strategically	strategically	ADV
easat-9942	248	25	.	.	PUNCT
easat-9942	249	1	banks	bank	NOUN
easat-9942	249	2	can	can	AUX
easat-9942	249	3	no	no	ADV
easat-9942	249	4	longer	long	ADV
easat-9942	249	5	simply	simply	ADV
easat-9942	249	6	act	act	VERB
easat-9942	249	7	as	as	ADP
easat-9942	249	8	institutions	institution	NOUN
easat-9942	249	9	that	that	PRON
easat-9942	249	10	store	store	VERB
easat-9942	249	11	and	and	CCONJ
easat-9942	249	12	distribute	distribute	VERB
easat-9942	249	13	funds	fund	NOUN
easat-9942	249	14	,	,	PUNCT
easat-9942	249	15	but	but	CCONJ
easat-9942	249	16	must	must	AUX
easat-9942	249	17	also	also	ADV
easat-9942	249	18	be	be	AUX
easat-9942	249	19	proactive	proactive	ADJ
easat-9942	249	20	,	,	PUNCT
easat-9942	249	21	adaptive	adaptive	ADJ
easat-9942	249	22	,	,	PUNCT
easat-9942	249	23	and	and	CCONJ
easat-9942	249	24	visionary	visionary	ADJ
easat-9942	249	25	business	business	NOUN
easat-9942	249	26	entities	entity	NOUN
easat-9942	249	27	.	.	PUNCT
easat-9942	250	1	as	as	SCONJ
easat-9942	250	2	informal	informal	ADJ
easat-9942	250	3	financial	financial	ADJ
easat-9942	250	4	institutions	institution	NOUN
easat-9942	250	5	such	such	ADJ
easat-9942	250	6	as	as	ADP
easat-9942	250	7	fintech	fintech	NOUN
easat-9942	250	8	and	and	CCONJ
easat-9942	250	9	shadow	shadow	NOUN
easat-9942	250	10	banking	banking	NOUN
easat-9942	250	11	begin	begin	VERB
easat-9942	250	12	to	to	PART
easat-9942	250	13	take	take	VERB
easat-9942	250	14	over	over	ADP
easat-9942	250	15	some	some	PRON
easat-9942	250	16	of	of	ADP
easat-9942	250	17	the	the	DET
easat-9942	250	18	roles	role	NOUN
easat-9942	250	19	of	of	ADP
easat-9942	250	20	banks	bank	NOUN
easat-9942	250	21	,	,	PUNCT
easat-9942	250	22	the	the	DET
easat-9942	250	23	existence	existence	NOUN
easat-9942	250	24	of	of	ADP
easat-9942	250	25	conventional	conventional	ADJ
easat-9942	250	26	guarantee	guarantee	NOUN
easat-9942	250	27	systems	system	NOUN
easat-9942	250	28	has	have	AUX
easat-9942	250	29	become	become	VERB
easat-9942	250	30	obsolete	obsolete	ADJ
easat-9942	250	31	and	and	CCONJ
easat-9942	250	32	uncompetitive	uncompetitive	ADJ
easat-9942	250	33	.	.	PUNCT
easat-9942	251	1	this	this	DET
easat-9942	251	2	situation	situation	NOUN
easat-9942	251	3	is	be	AUX
easat-9942	251	4	exacerbated	exacerbate	VERB
easat-9942	251	5	by	by	ADP
easat-9942	251	6	the	the	DET
easat-9942	251	7	complexity	complexity	NOUN
easat-9942	251	8	of	of	ADP
easat-9942	251	9	regulations	regulation	NOUN
easat-9942	251	10	that	that	PRON
easat-9942	251	11	have	have	AUX
easat-9942	251	12	not	not	PART
easat-9942	251	13	been	be	AUX
easat-9942	251	14	able	able	ADJ
easat-9942	251	15	to	to	PART
easat-9942	251	16	adapt	adapt	VERB
easat-9942	251	17	quickly	quickly	ADV
easat-9942	251	18	to	to	ADP
easat-9942	251	19	market	market	NOUN
easat-9942	251	20	dynamics	dynamic	NOUN
easat-9942	251	21	.	.	PUNCT
easat-9942	252	1	therefore	therefore	ADV
easat-9942	252	2	,	,	PUNCT
easat-9942	252	3	the	the	DET
easat-9942	252	4	idea	idea	NOUN
easat-9942	252	5	of	of	ADP
easat-9942	252	6	reforming	reform	VERB
easat-9942	252	7	the	the	DET
easat-9942	252	8	design	design	NOUN
easat-9942	252	9	,	,	PUNCT
easat-9942	252	10	objectives	objective	NOUN
easat-9942	252	11	,	,	PUNCT
easat-9942	252	12	and	and	CCONJ
easat-9942	252	13	guarantee	guarantee	VERB
easat-9942	252	14	systems	system	NOUN
easat-9942	252	15	in	in	ADP
easat-9942	252	16	the	the	DET
easat-9942	252	17	banking	banking	NOUN
easat-9942	252	18	industry	industry	NOUN
easat-9942	252	19	is	be	AUX
easat-9942	252	20	no	no	ADV
easat-9942	252	21	longer	long	ADV
easat-9942	252	22	optional	optional	ADJ
easat-9942	252	23	,	,	PUNCT
easat-9942	252	24	but	but	CCONJ
easat-9942	252	25	mandatory	mandatory	ADJ
easat-9942	252	26	.	.	PUNCT
easat-9942	253	1	improving	improve	VERB
easat-9942	253	2	the	the	DET
easat-9942	253	3	competitiveness	competitiveness	NOUN
easat-9942	253	4	of	of	ADP
easat-9942	253	5	the	the	DET
easat-9942	253	6	national	national	ADJ
easat-9942	253	7	banking	banking	NOUN
easat-9942	253	8	sector	sector	NOUN
easat-9942	253	9	can	can	AUX
easat-9942	253	10	only	only	ADV
easat-9942	253	11	be	be	AUX
easat-9942	253	12	achieved	achieve	VERB
easat-9942	253	13	through	through	ADP
easat-9942	253	14	comprehensive	comprehensive	ADJ
easat-9942	253	15	reforms	reform	NOUN
easat-9942	253	16	based	base	VERB
easat-9942	253	17	on	on	ADP
easat-9942	253	18	technological	technological	ADJ
easat-9942	253	19	integration	integration	NOUN
easat-9942	253	20	,	,	PUNCT
easat-9942	253	21	values	value	NOUN
easat-9942	253	22	of	of	ADP
easat-9942	253	23	fairness	fairness	NOUN
easat-9942	253	24	,	,	PUNCT
easat-9942	253	25	and	and	CCONJ
easat-9942	253	26	progressive	progressive	ADJ
easat-9942	253	27	legal	legal	ADJ
easat-9942	253	28	principles	principle	NOUN
easat-9942	253	29	.	.	PUNCT
easat-9942	254	1	it	it	PRON
easat-9942	254	2	is	be	AUX
easat-9942	254	3	within	within	ADP
easat-9942	254	4	this	this	DET
easat-9942	254	5	framework	framework	NOUN
easat-9942	254	6	that	that	SCONJ
easat-9942	254	7	the	the	DET
easat-9942	254	8	concept	concept	NOUN
easat-9942	254	9	of	of	ADP
easat-9942	254	10	the	the	DET
easat-9942	254	11	performance	performance	NOUN
easat-9942	254	12	guarantee	guarantee	NOUN
easat-9942	254	13	system	system	NOUN
easat-9942	254	14	emerges	emerge	VERB
easat-9942	254	15	as	as	ADP
easat-9942	254	16	a	a	DET
easat-9942	254	17	fundamental	fundamental	ADJ
easat-9942	254	18	instrument	instrument	NOUN
easat-9942	254	19	for	for	ADP
easat-9942	254	20	building	build	VERB
easat-9942	254	21	a	a	DET
easat-9942	254	22	new	new	ADJ
easat-9942	254	23	order	order	NOUN
easat-9942	254	24	for	for	ADP
easat-9942	254	25	indonesian	indonesian	ADJ
easat-9942	254	26	banking	banking	NOUN
easat-9942	254	27	.	.	PUNCT
easat-9942	255	1	the	the	DET
easat-9942	255	2	idea	idea	NOUN
easat-9942	255	3	of	of	ADP
easat-9942	255	4	a	a	DET
easat-9942	255	5	performance	performance	NOUN
easat-9942	255	6	guarantee	guarantee	NOUN
easat-9942	255	7	system	system	NOUN
easat-9942	255	8	is	be	AUX
easat-9942	255	9	not	not	PART
easat-9942	255	10	only	only	ADV
easat-9942	255	11	a	a	DET
easat-9942	255	12	response	response	NOUN
easat-9942	255	13	to	to	ADP
easat-9942	255	14	the	the	DET
easat-9942	255	15	limitations	limitation	NOUN
easat-9942	255	16	of	of	ADP
easat-9942	255	17	traditional	traditional	ADJ
easat-9942	255	18	guarantees	guarantee	NOUN
easat-9942	255	19	based	base	VERB
easat-9942	255	20	on	on	ADP
easat-9942	255	21	collateral	collateral	NOUN
easat-9942	255	22	,	,	PUNCT
easat-9942	255	23	but	but	CCONJ
easat-9942	255	24	also	also	ADV
easat-9942	255	25	a	a	DET
easat-9942	255	26	reflection	reflection	NOUN
easat-9942	255	27	of	of	ADP
easat-9942	255	28	the	the	DET
easat-9942	255	29	demand	demand	NOUN
easat-9942	255	30	for	for	ADP
easat-9942	255	31	a	a	DET
easat-9942	255	32	more	more	ADV
easat-9942	255	33	equitable	equitable	ADJ
easat-9942	255	34	,	,	PUNCT
easat-9942	255	35	efficient	efficient	ADJ
easat-9942	255	36	,	,	PUNCT
easat-9942	255	37	and	and	CCONJ
easat-9942	255	38	modern	modern	ADJ
easat-9942	255	39	business	business	NOUN
easat-9942	255	40	-	-	PUNCT
easat-9942	255	41	friendly	friendly	ADJ
easat-9942	255	42	approach	approach	NOUN
easat-9942	255	43	.	.	PUNCT
easat-9942	256	1	in	in	ADP
easat-9942	256	2	practice	practice	NOUN
easat-9942	256	3	,	,	PUNCT
easat-9942	256	4	this	this	DET
easat-9942	256	5	performance	performance	NOUN
easat-9942	256	6	-	-	PUNCT
easat-9942	256	7	based	base	VERB
easat-9942	256	8	approach	approach	NOUN
easat-9942	256	9	emphasizes	emphasize	VERB
easat-9942	256	10	the	the	DET
easat-9942	256	11	importance	importance	NOUN
easat-9942	256	12	of	of	ADP
easat-9942	256	13	integrity	integrity	NOUN
easat-9942	256	14	,	,	PUNCT
easat-9942	256	15	competence	competence	NOUN
easat-9942	256	16	,	,	PUNCT
easat-9942	256	17	and	and	CCONJ
easat-9942	256	18	managerial	managerial	ADJ
easat-9942	256	19	capacity	capacity	NOUN
easat-9942	256	20	of	of	ADP
easat-9942	256	21	prospective	prospective	ADJ
easat-9942	256	22	debtors	debtor	NOUN
easat-9942	256	23	as	as	ADP
easat-9942	256	24	key	key	ADJ
easat-9942	256	25	indicators	indicator	NOUN
easat-9942	256	26	of	of	ADP
easat-9942	256	27	creditworthiness	creditworthiness	NOUN
easat-9942	256	28	.	.	PUNCT
easat-9942	257	1	this	this	DET
easat-9942	257	2	type	type	NOUN
easat-9942	257	3	of	of	ADP
easat-9942	257	4	assessment	assessment	NOUN
easat-9942	257	5	is	be	AUX
easat-9942	257	6	highly	highly	ADV
easat-9942	257	7	contextual	contextual	ADJ
easat-9942	257	8	to	to	ADP
easat-9942	257	9	the	the	DET
easat-9942	257	10	needs	need	NOUN
easat-9942	257	11	of	of	ADP
easat-9942	257	12	large	large	ADJ
easat-9942	257	13	business	business	NOUN
easat-9942	257	14	sectors	sector	NOUN
easat-9942	257	15	that	that	PRON
easat-9942	257	16	move	move	VERB
easat-9942	257	17	quickly	quickly	ADV
easat-9942	257	18	and	and	CCONJ
easat-9942	257	19	require	require	VERB
easat-9942	257	20	flexible	flexible	ADJ
easat-9942	257	21	financial	financial	ADJ
easat-9942	257	22	support	support	NOUN
easat-9942	257	23	.	.	PUNCT
easat-9942	258	1	guarantees	guarantee	NOUN
easat-9942	258	2	are	be	AUX
easat-9942	258	3	no	no	ADV
easat-9942	258	4	longer	long	ADV
easat-9942	258	5	used	use	VERB
easat-9942	258	6	as	as	ADP
easat-9942	258	7	a	a	DET
easat-9942	258	8	tool	tool	NOUN
easat-9942	258	9	to	to	PART
easat-9942	258	10	cover	cover	VERB
easat-9942	258	11	risks	risk	NOUN
easat-9942	258	12	,	,	PUNCT
easat-9942	258	13	but	but	CCONJ
easat-9942	258	14	as	as	ADP
easat-9942	258	15	a	a	DET
easat-9942	258	16	reflection	reflection	NOUN
easat-9942	258	17	of	of	ADP
easat-9942	258	18	trust	trust	NOUN
easat-9942	258	19	in	in	ADP
easat-9942	258	20	the	the	DET
easat-9942	258	21	continuity	continuity	NOUN
easat-9942	258	22	of	of	ADP
easat-9942	258	23	the	the	DET
easat-9942	258	24	customer	customer	NOUN
easat-9942	258	25	's	's	PART
easat-9942	258	26	business	business	NOUN
easat-9942	258	27	.	.	PUNCT
easat-9942	259	1	this	this	DET
easat-9942	259	2	system	system	NOUN
easat-9942	259	3	encourages	encourage	VERB
easat-9942	259	4	a	a	DET
easat-9942	259	5	transformation	transformation	NOUN
easat-9942	259	6	in	in	ADP
easat-9942	259	7	banking	banking	NOUN
easat-9942	259	8	behavior	behavior	NOUN
easat-9942	259	9	from	from	ADP
easat-9942	259	10	a	a	DET
easat-9942	259	11	passive	passive	NOUN
easat-9942	259	12	to	to	ADP
easat-9942	259	13	an	an	DET
easat-9942	259	14	active	active	ADJ
easat-9942	259	15	approach	approach	NOUN
easat-9942	259	16	,	,	PUNCT
easat-9942	259	17	where	where	SCONJ
easat-9942	259	18	banks	bank	NOUN
easat-9942	259	19	are	be	AUX
easat-9942	259	20	not	not	PART
easat-9942	259	21	only	only	ADV
easat-9942	259	22	distributors	distributor	NOUN
easat-9942	259	23	of	of	ADP
easat-9942	259	24	funds	fund	NOUN
easat-9942	259	25	,	,	PUNCT
easat-9942	259	26	but	but	CCONJ
easat-9942	259	27	also	also	ADV
easat-9942	259	28	strategic	strategic	ADJ
easat-9942	259	29	partners	partner	NOUN
easat-9942	259	30	in	in	ADP
easat-9942	259	31	supporting	support	VERB
easat-9942	259	32	the	the	DET
easat-9942	259	33	success	success	NOUN
easat-9942	259	34	of	of	ADP
easat-9942	259	35	their	their	PRON
easat-9942	259	36	customers	customer	NOUN
easat-9942	259	37	'	'	PART
easat-9942	259	38	businesses	business	NOUN
easat-9942	259	39	.	.	PUNCT
easat-9942	260	1	this	this	DET
easat-9942	260	2	collaboration	collaboration	NOUN
easat-9942	260	3	fosters	foster	VERB
easat-9942	260	4	a	a	DET
easat-9942	260	5	mutually	mutually	ADV
easat-9942	260	6	beneficial	beneficial	ADJ
easat-9942	260	7	relationship	relationship	NOUN
easat-9942	260	8	between	between	ADP
easat-9942	260	9	banks	bank	NOUN
easat-9942	260	10	and	and	CCONJ
easat-9942	260	11	customers	customer	NOUN
easat-9942	260	12	and	and	CCONJ
easat-9942	260	13	strengthens	strengthen	VERB
easat-9942	260	14	the	the	DET
easat-9942	260	15	national	national	ADJ
easat-9942	260	16	economy	economy	NOUN
easat-9942	260	17	from	from	ADP
easat-9942	260	18	within	within	ADP
easat-9942	260	19	.	.	PUNCT
easat-9942	261	1	thus	thus	ADV
easat-9942	261	2	,	,	PUNCT
easat-9942	261	3	the	the	DET
easat-9942	261	4	performance	performance	NOUN
easat-9942	261	5	guarantee	guarantee	NOUN
easat-9942	261	6	system	system	NOUN
easat-9942	261	7	must	must	AUX
easat-9942	261	8	be	be	AUX
easat-9942	261	9	understood	understand	VERB
easat-9942	261	10	as	as	ADP
easat-9942	261	11	an	an	DET
easat-9942	261	12	evolutionary	evolutionary	ADJ
easat-9942	261	13	step	step	NOUN
easat-9942	261	14	towards	towards	ADP
easat-9942	261	15	inclusive	inclusive	ADJ
easat-9942	261	16	,	,	PUNCT
easat-9942	261	17	professional	professional	ADJ
easat-9942	261	18	,	,	PUNCT
easat-9942	261	19	and	and	CCONJ
easat-9942	261	20	long	long	ADJ
easat-9942	261	21	-	-	PUNCT
easat-9942	261	22	term	term	NOUN
easat-9942	261	23	banking	banking	NOUN
easat-9942	261	24	.	.	PUNCT
easat-9942	262	1	one	one	NUM
easat-9942	262	2	of	of	ADP
easat-9942	262	3	the	the	DET
easat-9942	262	4	major	major	ADJ
easat-9942	262	5	risks	risk	NOUN
easat-9942	262	6	of	of	ADP
easat-9942	262	7	the	the	DET
easat-9942	262	8	banking	banking	NOUN
easat-9942	262	9	sector	sector	NOUN
easat-9942	262	10	's	's	PART
easat-9942	262	11	inability	inability	NOUN
easat-9942	262	12	to	to	PART
easat-9942	262	13	transform	transform	VERB
easat-9942	262	14	is	be	AUX
easat-9942	262	15	that	that	SCONJ
easat-9942	262	16	their	their	PRON
easat-9942	262	17	role	role	NOUN
easat-9942	262	18	will	will	AUX
easat-9942	262	19	be	be	AUX
easat-9942	262	20	taken	take	VERB
easat-9942	262	21	over	over	ADP
easat-9942	262	22	by	by	ADP
easat-9942	262	23	non	non	ADJ
easat-9942	262	24	-	-	ADJ
easat-9942	262	25	formal	formal	ADJ
easat-9942	262	26	financial	financial	ADJ
easat-9942	262	27	institutions	institution	NOUN
easat-9942	262	28	,	,	PUNCT
easat-9942	262	29	known	know	VERB
easat-9942	262	30	as	as	ADP
easat-9942	262	31	shadow	shadow	NOUN
easat-9942	262	32	banking	banking	NOUN
easat-9942	262	33	.	.	PUNCT
easat-9942	263	1	these	these	DET
easat-9942	263	2	institutions	institution	NOUN
easat-9942	263	3	,	,	PUNCT
easat-9942	263	4	although	although	SCONJ
easat-9942	263	5	outside	outside	ADP
easat-9942	263	6	the	the	DET
easat-9942	263	7	framework	framework	NOUN
easat-9942	263	8	of	of	ADP
easat-9942	263	9	traditional	traditional	ADJ
easat-9942	263	10	banking	banking	NOUN
easat-9942	263	11	regulations	regulation	NOUN
easat-9942	263	12	,	,	PUNCT
easat-9942	263	13	have	have	VERB
easat-9942	263	14	high	high	ADJ
easat-9942	263	15	agility	agility	NOUN
easat-9942	263	16	and	and	CCONJ
easat-9942	263	17	flexibility	flexibility	NOUN
easat-9942	263	18	,	,	PUNCT
easat-9942	263	19	especially	especially	ADV
easat-9942	263	20	with	with	ADP
easat-9942	263	21	the	the	DET
easat-9942	263	22	support	support	NOUN
easat-9942	263	23	of	of	ADP
easat-9942	263	24	digital	digital	ADJ
easat-9942	263	25	technology	technology	NOUN
easat-9942	263	26	,	,	PUNCT
easat-9942	263	27	which	which	PRON
easat-9942	263	28	they	they	PRON
easat-9942	263	29	utilize	utilize	VERB
easat-9942	263	30	optimally	optimally	ADV
easat-9942	263	31	[	[	X
easat-9942	263	32	42	42	NUM
easat-9942	263	33	]	]	PUNCT
easat-9942	263	34	.	.	PUNCT
easat-9942	264	1	without	without	ADP
easat-9942	264	2	the	the	DET
easat-9942	264	3	burden	burden	NOUN
easat-9942	264	4	of	of	ADP
easat-9942	264	5	regulations	regulation	NOUN
easat-9942	264	6	and	and	CCONJ
easat-9942	264	7	complex	complex	ADJ
easat-9942	264	8	organizational	organizational	ADJ
easat-9942	264	9	structures	structure	NOUN
easat-9942	264	10	,	,	PUNCT
easat-9942	264	11	they	they	PRON
easat-9942	264	12	are	be	AUX
easat-9942	264	13	able	able	ADJ
easat-9942	264	14	to	to	PART
easat-9942	264	15	provide	provide	VERB
easat-9942	264	16	faster	fast	ADJ
easat-9942	264	17	,	,	PUNCT
easat-9942	264	18	cheaper	cheap	ADJ
easat-9942	264	19	,	,	PUNCT
easat-9942	264	20	and	and	CCONJ
easat-9942	264	21	more	more	ADV
easat-9942	264	22	accessible	accessible	ADJ
easat-9942	264	23	financial	financial	ADJ
easat-9942	264	24	769	769	NUM
easat-9942	264	25	edelweiss	edelweiss	PROPN
easat-9942	264	26	applied	apply	VERB
easat-9942	264	27	science	science	NOUN
easat-9942	264	28	and	and	CCONJ
easat-9942	264	29	technology	technology	NOUN
easat-9942	264	30	issn	issn	PROPN
easat-9942	264	31	:	:	PUNCT
easat-9942	264	32	2576	2576	NUM
easat-9942	264	33	-	-	SYM
easat-9942	264	34	8484	8484	NUM
easat-9942	264	35	vol	vol	NOUN
easat-9942	264	36	.	.	PROPN
easat-9942	265	1	9	9	NUM
easat-9942	265	2	,	,	PUNCT
easat-9942	265	3	no	no	INTJ
easat-9942	265	4	.	.	NOUN
easat-9942	265	5	9	9	NUM
easat-9942	265	6	:	:	PUNCT
easat-9942	265	7	761	761	NUM
easat-9942	265	8	-	-	SYM
easat-9942	265	9	773	773	NUM
easat-9942	265	10	,	,	PUNCT
easat-9942	265	11	2025	2025	NUM
easat-9942	265	12	doi	doi	NOUN
easat-9942	265	13	:	:	PUNCT
easat-9942	265	14	10.55214/2576	10.55214/2576	NUM
easat-9942	265	15	-	-	PUNCT
easat-9942	265	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	265	17	©	©	ADP
easat-9942	265	18	2025	2025	NUM
easat-9942	265	19	by	by	ADP
easat-9942	265	20	the	the	DET
easat-9942	265	21	authors	author	NOUN
easat-9942	265	22	;	;	PUNCT
easat-9942	265	23	licensee	licensee	PROPN
easat-9942	265	24	learning	learn	VERB
easat-9942	265	25	gate	gate	PROPN
easat-9942	265	26	services	service	NOUN
easat-9942	265	27	.	.	PUNCT
easat-9942	266	1	this	this	DET
easat-9942	266	2	situation	situation	NOUN
easat-9942	266	3	certainly	certainly	ADV
easat-9942	266	4	poses	pose	VERB
easat-9942	266	5	a	a	DET
easat-9942	266	6	serious	serious	ADJ
easat-9942	266	7	threat	threat	NOUN
easat-9942	266	8	to	to	ADP
easat-9942	266	9	the	the	DET
easat-9942	266	10	stability	stability	NOUN
easat-9942	266	11	of	of	ADP
easat-9942	266	12	the	the	DET
easat-9942	266	13	national	national	ADJ
easat-9942	266	14	financial	financial	ADJ
easat-9942	266	15	system	system	NOUN
easat-9942	266	16	if	if	SCONJ
easat-9942	266	17	it	it	PRON
easat-9942	266	18	is	be	AUX
easat-9942	266	19	not	not	PART
easat-9942	266	20	immediately	immediately	ADV
easat-9942	266	21	anticipated	anticipate	VERB
easat-9942	266	22	by	by	ADP
easat-9942	266	23	regulators	regulator	NOUN
easat-9942	266	24	and	and	CCONJ
easat-9942	266	25	the	the	DET
easat-9942	266	26	banking	banking	NOUN
easat-9942	266	27	industry	industry	NOUN
easat-9942	266	28	itself	itself	PRON
easat-9942	266	29	.	.	PUNCT
easat-9942	267	1	therefore	therefore	ADV
easat-9942	267	2	,	,	PUNCT
easat-9942	267	3	the	the	DET
easat-9942	267	4	transformation	transformation	NOUN
easat-9942	267	5	of	of	ADP
easat-9942	267	6	the	the	DET
easat-9942	267	7	banking	banking	NOUN
easat-9942	267	8	business	business	NOUN
easat-9942	267	9	paradigm	paradigm	NOUN
easat-9942	267	10	must	must	AUX
easat-9942	267	11	include	include	VERB
easat-9942	267	12	a	a	DET
easat-9942	267	13	review	review	NOUN
easat-9942	267	14	of	of	ADP
easat-9942	267	15	the	the	DET
easat-9942	267	16	basic	basic	ADJ
easat-9942	267	17	functions	function	NOUN
easat-9942	267	18	of	of	ADP
easat-9942	267	19	banks	bank	NOUN
easat-9942	267	20	,	,	PUNCT
easat-9942	267	21	as	as	SCONJ
easat-9942	267	22	stipulated	stipulate	VERB
easat-9942	267	23	in	in	ADP
easat-9942	267	24	article	article	NOUN
easat-9942	267	25	3	3	NUM
easat-9942	267	26	of	of	ADP
easat-9942	267	27	the	the	DET
easat-9942	267	28	banking	banking	NOUN
easat-9942	267	29	law	law	NOUN
easat-9942	267	30	.	.	PUNCT
easat-9942	268	1	the	the	DET
easat-9942	268	2	traditional	traditional	ADJ
easat-9942	268	3	function	function	NOUN
easat-9942	268	4	as	as	ADP
easat-9942	268	5	an	an	DET
easat-9942	268	6	institution	institution	NOUN
easat-9942	268	7	that	that	PRON
easat-9942	268	8	collects	collect	VERB
easat-9942	268	9	and	and	CCONJ
easat-9942	268	10	distributes	distribute	VERB
easat-9942	268	11	public	public	ADJ
easat-9942	268	12	funds	fund	NOUN
easat-9942	268	13	is	be	AUX
easat-9942	268	14	no	no	ADV
easat-9942	268	15	longer	long	ADV
easat-9942	268	16	adequate	adequate	ADJ
easat-9942	268	17	in	in	ADP
easat-9942	268	18	the	the	DET
easat-9942	268	19	current	current	ADJ
easat-9942	268	20	digital	digital	ADJ
easat-9942	268	21	economic	economic	ADJ
easat-9942	268	22	landscape	landscape	NOUN
easat-9942	268	23	[	[	X
easat-9942	268	24	43	43	NUM
easat-9942	268	25	]	]	PUNCT
easat-9942	268	26	.	.	PUNCT
easat-9942	269	1	banks	bank	NOUN
easat-9942	269	2	are	be	AUX
easat-9942	269	3	required	require	VERB
easat-9942	269	4	to	to	PART
easat-9942	269	5	be	be	AUX
easat-9942	269	6	more	more	ADV
easat-9942	269	7	dynamic	dynamic	ADJ
easat-9942	269	8	and	and	CCONJ
easat-9942	269	9	oriented	orient	VERB
easat-9942	269	10	towards	towards	ADP
easat-9942	269	11	value	value	NOUN
easat-9942	269	12	-	-	PUNCT
easat-9942	269	13	added	add	VERB
easat-9942	269	14	services	service	NOUN
easat-9942	269	15	through	through	ADP
easat-9942	269	16	product	product	NOUN
easat-9942	269	17	innovation	innovation	NOUN
easat-9942	269	18	and	and	CCONJ
easat-9942	269	19	relevant	relevant	ADJ
easat-9942	269	20	guarantee	guarantee	NOUN
easat-9942	269	21	systems	system	NOUN
easat-9942	269	22	.	.	PUNCT
easat-9942	270	1	this	this	DET
easat-9942	270	2	transformation	transformation	NOUN
easat-9942	270	3	is	be	AUX
easat-9942	270	4	,	,	PUNCT
easat-9942	270	5	of	of	ADP
easat-9942	270	6	course	course	NOUN
easat-9942	270	7	,	,	PUNCT
easat-9942	270	8	not	not	PART
easat-9942	270	9	just	just	ADV
easat-9942	270	10	a	a	DET
easat-9942	270	11	policy	policy	NOUN
easat-9942	270	12	change	change	NOUN
easat-9942	270	13	,	,	PUNCT
easat-9942	270	14	but	but	CCONJ
easat-9942	270	15	a	a	DET
easat-9942	270	16	comprehensive	comprehensive	ADJ
easat-9942	270	17	paradigm	paradigm	NOUN
easat-9942	270	18	shift	shift	NOUN
easat-9942	270	19	.	.	PUNCT
easat-9942	271	1	in	in	ADP
easat-9942	271	2	the	the	DET
easat-9942	271	3	context	context	NOUN
easat-9942	271	4	of	of	ADP
easat-9942	271	5	banking	banking	NOUN
easat-9942	271	6	function	function	NOUN
easat-9942	271	7	reform	reform	NOUN
easat-9942	271	8	,	,	PUNCT
easat-9942	271	9	the	the	DET
easat-9942	271	10	fundamental	fundamental	ADJ
easat-9942	271	11	weaknesses	weakness	NOUN
easat-9942	271	12	of	of	ADP
easat-9942	271	13	the	the	DET
easat-9942	271	14	intermediation	intermediation	NOUN
easat-9942	271	15	system	system	NOUN
easat-9942	271	16	need	need	VERB
easat-9942	271	17	to	to	PART
easat-9942	271	18	be	be	AUX
easat-9942	271	19	a	a	DET
easat-9942	271	20	primary	primary	ADJ
easat-9942	271	21	concern	concern	NOUN
easat-9942	271	22	.	.	PUNCT
easat-9942	272	1	dependence	dependence	NOUN
easat-9942	272	2	on	on	ADP
easat-9942	272	3	public	public	ADJ
easat-9942	272	4	funds	fund	NOUN
easat-9942	272	5	makes	make	VERB
easat-9942	272	6	banks	bank	NOUN
easat-9942	272	7	vulnerable	vulnerable	ADJ
easat-9942	272	8	to	to	ADP
easat-9942	272	9	confidence	confidence	NOUN
easat-9942	272	10	shocks	shock	NOUN
easat-9942	272	11	,	,	PUNCT
easat-9942	272	12	including	include	VERB
easat-9942	272	13	digital	digital	ADJ
easat-9942	272	14	attacks	attack	NOUN
easat-9942	272	15	that	that	PRON
easat-9942	272	16	spread	spread	VERB
easat-9942	272	17	hoaxes	hoax	NOUN
easat-9942	272	18	on	on	ADP
easat-9942	272	19	a	a	DET
easat-9942	272	20	massive	massive	ADJ
easat-9942	272	21	scale	scale	NOUN
easat-9942	272	22	[	[	X
easat-9942	272	23	44	44	NUM
easat-9942	272	24	]	]	PUNCT
easat-9942	272	25	.	.	PUNCT
easat-9942	273	1	bank	bank	NOUN
easat-9942	273	2	runs	run	VERB
easat-9942	273	3	due	due	ADJ
easat-9942	273	4	to	to	ADP
easat-9942	273	5	the	the	DET
easat-9942	273	6	spread	spread	NOUN
easat-9942	273	7	of	of	ADP
easat-9942	273	8	disinformation	disinformation	NOUN
easat-9942	273	9	are	be	AUX
easat-9942	273	10	a	a	DET
easat-9942	273	11	real	real	ADJ
easat-9942	273	12	scenario	scenario	NOUN
easat-9942	273	13	that	that	PRON
easat-9942	273	14	has	have	AUX
easat-9942	273	15	occurred	occur	VERB
easat-9942	273	16	in	in	ADP
easat-9942	273	17	several	several	ADJ
easat-9942	273	18	countries	country	NOUN
easat-9942	273	19	and	and	CCONJ
easat-9942	273	20	pose	pose	VERB
easat-9942	273	21	a	a	DET
easat-9942	273	22	great	great	ADJ
easat-9942	273	23	risk	risk	NOUN
easat-9942	273	24	if	if	SCONJ
easat-9942	273	25	allowed	allow	VERB
easat-9942	273	26	to	to	PART
easat-9942	273	27	happen	happen	VERB
easat-9942	273	28	in	in	ADP
easat-9942	273	29	indonesia	indonesia	PROPN
easat-9942	273	30	.	.	PUNCT
easat-9942	274	1	to	to	PART
easat-9942	274	2	reduce	reduce	VERB
easat-9942	274	3	dependence	dependence	NOUN
easat-9942	274	4	on	on	ADP
easat-9942	274	5	public	public	ADJ
easat-9942	274	6	funds	fund	NOUN
easat-9942	274	7	,	,	PUNCT
easat-9942	274	8	banks	bank	NOUN
easat-9942	274	9	need	need	VERB
easat-9942	274	10	to	to	PART
easat-9942	274	11	be	be	AUX
easat-9942	274	12	directed	direct	VERB
easat-9942	274	13	towards	towards	ADP
easat-9942	274	14	becoming	become	VERB
easat-9942	274	15	institutions	institution	NOUN
easat-9942	274	16	that	that	PRON
easat-9942	274	17	are	be	AUX
easat-9942	274	18	more	more	ADV
easat-9942	274	19	oriented	orient	VERB
easat-9942	274	20	towards	towards	ADP
easat-9942	274	21	fee	fee	NOUN
easat-9942	274	22	-	-	PUNCT
easat-9942	274	23	based	base	VERB
easat-9942	274	24	income	income	NOUN
easat-9942	274	25	.	.	PUNCT
easat-9942	275	1	in	in	ADP
easat-9942	275	2	this	this	DET
easat-9942	275	3	context	context	NOUN
easat-9942	275	4	,	,	PUNCT
easat-9942	275	5	the	the	DET
easat-9942	275	6	performance	performance	NOUN
easat-9942	275	7	guarantee	guarantee	NOUN
easat-9942	275	8	system	system	NOUN
easat-9942	275	9	can	can	AUX
easat-9942	275	10	be	be	AUX
easat-9942	275	11	the	the	DET
easat-9942	275	12	basis	basis	NOUN
easat-9942	275	13	for	for	ADP
easat-9942	275	14	the	the	DET
easat-9942	275	15	government	government	NOUN
easat-9942	275	16	in	in	ADP
easat-9942	275	17	assessing	assess	VERB
easat-9942	275	18	the	the	DET
easat-9942	275	19	feasibility	feasibility	NOUN
easat-9942	275	20	of	of	ADP
easat-9942	275	21	injecting	inject	VERB
easat-9942	275	22	capital	capital	NOUN
easat-9942	275	23	into	into	ADP
easat-9942	275	24	banks	bank	NOUN
easat-9942	275	25	,	,	PUNCT
easat-9942	275	26	especially	especially	ADV
easat-9942	275	27	through	through	ADP
easat-9942	275	28	a	a	DET
easat-9942	275	29	performance	performance	NOUN
easat-9942	275	30	-	-	PUNCT
easat-9942	275	31	based	base	VERB
easat-9942	275	32	lending	lending	NOUN
easat-9942	275	33	model	model	NOUN
easat-9942	275	34	.	.	PUNCT
easat-9942	276	1	banks	bank	NOUN
easat-9942	276	2	will	will	AUX
easat-9942	276	3	be	be	AUX
easat-9942	276	4	assessed	assess	VERB
easat-9942	276	5	not	not	PART
easat-9942	276	6	solely	solely	ADV
easat-9942	276	7	on	on	ADP
easat-9942	276	8	the	the	DET
easat-9942	276	9	basis	basis	NOUN
easat-9942	276	10	of	of	ADP
easat-9942	276	11	their	their	PRON
easat-9942	276	12	collateral	collateral	ADJ
easat-9942	276	13	wealth	wealth	NOUN
easat-9942	276	14	,	,	PUNCT
easat-9942	276	15	but	but	CCONJ
easat-9942	276	16	on	on	ADP
easat-9942	276	17	their	their	PRON
easat-9942	276	18	reliability	reliability	NOUN
easat-9942	276	19	in	in	ADP
easat-9942	276	20	managing	manage	VERB
easat-9942	276	21	risk	risk	NOUN
easat-9942	276	22	and	and	CCONJ
easat-9942	276	23	actively	actively	ADV
easat-9942	276	24	assisting	assist	VERB
easat-9942	276	25	customers	customer	NOUN
easat-9942	276	26	[	[	X
easat-9942	276	27	45	45	NUM
easat-9942	276	28	]	]	PUNCT
easat-9942	276	29	.	.	PUNCT
easat-9942	277	1	this	this	PRON
easat-9942	277	2	gives	give	VERB
easat-9942	277	3	the	the	DET
easat-9942	277	4	performance	performance	NOUN
easat-9942	277	5	guarantee	guarantee	NOUN
easat-9942	277	6	system	system	NOUN
easat-9942	277	7	a	a	DET
easat-9942	277	8	dual	dual	ADJ
easat-9942	277	9	role	role	NOUN
easat-9942	277	10	:	:	PUNCT
easat-9942	277	11	as	as	ADP
easat-9942	277	12	a	a	DET
easat-9942	277	13	tool	tool	NOUN
easat-9942	277	14	for	for	ADP
easat-9942	277	15	evaluating	evaluate	VERB
easat-9942	277	16	customers	customer	NOUN
easat-9942	277	17	and	and	CCONJ
easat-9942	277	18	a	a	DET
easat-9942	277	19	tool	tool	NOUN
easat-9942	277	20	for	for	ADP
easat-9942	277	21	assessing	assess	VERB
easat-9942	277	22	the	the	DET
easat-9942	277	23	banks	bank	NOUN
easat-9942	277	24	themselves	themselves	PRON
easat-9942	277	25	.	.	PUNCT
easat-9942	278	1	reforms	reform	NOUN
easat-9942	278	2	of	of	ADP
easat-9942	278	3	this	this	DET
easat-9942	278	4	kind	kind	NOUN
easat-9942	278	5	require	require	VERB
easat-9942	278	6	political	political	ADJ
easat-9942	278	7	courage	courage	NOUN
easat-9942	278	8	and	and	CCONJ
easat-9942	278	9	strategic	strategic	ADJ
easat-9942	278	10	policy	policy	NOUN
easat-9942	278	11	support	support	NOUN
easat-9942	278	12	from	from	ADP
easat-9942	278	13	the	the	DET
easat-9942	278	14	central	central	ADJ
easat-9942	278	15	government	government	NOUN
easat-9942	278	16	.	.	PUNCT
easat-9942	279	1	the	the	DET
easat-9942	279	2	transformation	transformation	NOUN
easat-9942	279	3	to	to	ADP
easat-9942	279	4	a	a	DET
easat-9942	279	5	performance	performance	NOUN
easat-9942	279	6	guarantee	guarantee	NOUN
easat-9942	279	7	system	system	NOUN
easat-9942	279	8	can	can	AUX
easat-9942	279	9	make	make	VERB
easat-9942	279	10	banks	bank	NOUN
easat-9942	279	11	more	more	ADV
easat-9942	279	12	adaptive	adaptive	ADJ
easat-9942	279	13	to	to	ADP
easat-9942	279	14	the	the	DET
easat-9942	279	15	needs	need	NOUN
easat-9942	279	16	of	of	ADP
easat-9942	279	17	the	the	DET
easat-9942	279	18	business	business	NOUN
easat-9942	279	19	world	world	NOUN
easat-9942	279	20	,	,	PUNCT
easat-9942	279	21	especially	especially	ADV
easat-9942	279	22	large	large	ADJ
easat-9942	279	23	and	and	CCONJ
easat-9942	279	24	technology	technology	NOUN
easat-9942	279	25	-	-	PUNCT
easat-9942	279	26	based	base	VERB
easat-9942	279	27	companies	company	NOUN
easat-9942	279	28	.	.	PUNCT
easat-9942	280	1	companies	company	NOUN
easat-9942	280	2	in	in	ADP
easat-9942	280	3	holding	hold	VERB
easat-9942	280	4	companies	company	NOUN
easat-9942	280	5	often	often	ADV
easat-9942	280	6	already	already	ADV
easat-9942	280	7	have	have	VERB
easat-9942	280	8	their	their	PRON
easat-9942	280	9	own	own	ADJ
easat-9942	280	10	financial	financial	ADJ
easat-9942	280	11	lines	line	NOUN
easat-9942	280	12	that	that	PRON
easat-9942	280	13	can	can	AUX
easat-9942	280	14	provide	provide	VERB
easat-9942	280	15	internal	internal	ADJ
easat-9942	280	16	funds	fund	NOUN
easat-9942	280	17	.	.	PUNCT
easat-9942	281	1	if	if	SCONJ
easat-9942	281	2	banks	bank	NOUN
easat-9942	281	3	do	do	AUX
easat-9942	281	4	not	not	PART
easat-9942	281	5	immediately	immediately	ADV
easat-9942	281	6	improve	improve	VERB
easat-9942	281	7	their	their	PRON
easat-9942	281	8	services	service	NOUN
easat-9942	281	9	and	and	CCONJ
easat-9942	281	10	guarantee	guarantee	NOUN
easat-9942	281	11	systems	system	NOUN
easat-9942	281	12	,	,	PUNCT
easat-9942	281	13	their	their	PRON
easat-9942	281	14	role	role	NOUN
easat-9942	281	15	could	could	AUX
easat-9942	281	16	become	become	VERB
easat-9942	281	17	increasingly	increasingly	ADV
easat-9942	281	18	marginalized	marginalize	VERB
easat-9942	281	19	.	.	PUNCT
easat-9942	282	1	banks	bank	NOUN
easat-9942	282	2	must	must	AUX
easat-9942	282	3	dare	dare	VERB
easat-9942	282	4	to	to	PART
easat-9942	282	5	take	take	VERB
easat-9942	282	6	a	a	DET
easat-9942	282	7	softer	soft	ADJ
easat-9942	282	8	but	but	CCONJ
easat-9942	282	9	more	more	ADV
easat-9942	282	10	strategic	strategic	ADJ
easat-9942	282	11	approach	approach	NOUN
easat-9942	282	12	,	,	PUNCT
easat-9942	282	13	such	such	ADJ
easat-9942	282	14	as	as	ADP
easat-9942	282	15	offering	offer	VERB
easat-9942	282	16	flexibility	flexibility	NOUN
easat-9942	282	17	in	in	ADP
easat-9942	282	18	guarantees	guarantee	NOUN
easat-9942	282	19	based	base	VERB
easat-9942	282	20	on	on	ADP
easat-9942	282	21	customer	customer	NOUN
easat-9942	282	22	business	business	NOUN
easat-9942	282	23	performance	performance	NOUN
easat-9942	282	24	[	[	X
easat-9942	282	25	46	46	NUM
easat-9942	282	26	]	]	PUNCT
easat-9942	282	27	.	.	PUNCT
easat-9942	283	1	this	this	PRON
easat-9942	283	2	will	will	AUX
easat-9942	283	3	encourage	encourage	VERB
easat-9942	283	4	mutually	mutually	ADV
easat-9942	283	5	beneficial	beneficial	ADJ
easat-9942	283	6	cooperation	cooperation	NOUN
easat-9942	283	7	and	and	CCONJ
easat-9942	283	8	increase	increase	VERB
easat-9942	283	9	customer	customer	NOUN
easat-9942	283	10	loyalty	loyalty	NOUN
easat-9942	283	11	.	.	PUNCT
easat-9942	284	1	on	on	ADP
easat-9942	284	2	the	the	DET
easat-9942	284	3	other	other	ADJ
easat-9942	284	4	hand	hand	NOUN
easat-9942	284	5	,	,	PUNCT
easat-9942	284	6	this	this	DET
easat-9942	284	7	approach	approach	NOUN
easat-9942	284	8	also	also	ADV
easat-9942	284	9	increases	increase	VERB
easat-9942	284	10	the	the	DET
easat-9942	284	11	accountability	accountability	NOUN
easat-9942	284	12	of	of	ADP
easat-9942	284	13	banks	bank	NOUN
easat-9942	284	14	because	because	SCONJ
easat-9942	284	15	they	they	PRON
easat-9942	284	16	must	must	AUX
easat-9942	284	17	be	be	AUX
easat-9942	284	18	more	more	ADV
easat-9942	284	19	active	active	ADJ
easat-9942	284	20	in	in	ADP
easat-9942	284	21	monitoring	monitor	VERB
easat-9942	284	22	the	the	DET
easat-9942	284	23	continuity	continuity	NOUN
easat-9942	284	24	of	of	ADP
easat-9942	284	25	their	their	PRON
easat-9942	284	26	customers	customer	NOUN
easat-9942	284	27	'	'	PART
easat-9942	284	28	businesses	business	NOUN
easat-9942	284	29	,	,	PUNCT
easat-9942	284	30	rather	rather	ADV
easat-9942	284	31	than	than	ADP
easat-9942	284	32	just	just	ADV
easat-9942	284	33	waiting	wait	VERB
easat-9942	284	34	for	for	ADP
easat-9942	284	35	loan	loan	NOUN
easat-9942	284	36	repayments	repayment	NOUN
easat-9942	284	37	.	.	PUNCT
easat-9942	285	1	thus	thus	ADV
easat-9942	285	2	,	,	PUNCT
easat-9942	285	3	the	the	DET
easat-9942	285	4	business	business	NOUN
easat-9942	285	5	model	model	NOUN
easat-9942	285	6	of	of	ADP
easat-9942	285	7	banks	bank	NOUN
easat-9942	285	8	will	will	AUX
easat-9942	285	9	change	change	VERB
easat-9942	285	10	from	from	ADP
easat-9942	285	11	passive	passive	ADJ
easat-9942	285	12	to	to	ADP
easat-9942	285	13	active	active	ADJ
easat-9942	285	14	and	and	CCONJ
easat-9942	285	15	collaborative	collaborative	ADJ
easat-9942	285	16	.	.	PUNCT
easat-9942	286	1	this	this	DET
easat-9942	286	2	change	change	NOUN
easat-9942	286	3	also	also	ADV
easat-9942	286	4	increases	increase	VERB
easat-9942	286	5	the	the	DET
easat-9942	286	6	capacity	capacity	NOUN
easat-9942	286	7	of	of	ADP
easat-9942	286	8	banks	bank	NOUN
easat-9942	286	9	to	to	PART
easat-9942	286	10	innovate	innovate	VERB
easat-9942	286	11	and	and	CCONJ
easat-9942	286	12	compete	compete	VERB
easat-9942	286	13	with	with	ADP
easat-9942	286	14	fintech	fintech	NOUN
easat-9942	286	15	and	and	CCONJ
easat-9942	286	16	shadow	shadow	PROPN
easat-9942	286	17	banking	banking	NOUN
easat-9942	286	18	.	.	PUNCT
easat-9942	287	1	fundamental	fundamental	ADJ
easat-9942	287	2	changes	change	NOUN
easat-9942	287	3	to	to	ADP
easat-9942	287	4	the	the	DET
easat-9942	287	5	objectives	objective	NOUN
easat-9942	287	6	of	of	ADP
easat-9942	287	7	indonesian	indonesian	ADJ
easat-9942	287	8	banking	banking	NOUN
easat-9942	287	9	must	must	AUX
easat-9942	287	10	also	also	ADV
easat-9942	287	11	be	be	AUX
easat-9942	287	12	made	make	VERB
easat-9942	287	13	immediately	immediately	ADV
easat-9942	287	14	.	.	PUNCT
easat-9942	288	1	article	article	NOUN
easat-9942	288	2	4	4	NUM
easat-9942	288	3	of	of	ADP
easat-9942	288	4	the	the	DET
easat-9942	288	5	banking	banking	NOUN
easat-9942	288	6	law	law	NOUN
easat-9942	288	7	,	,	PUNCT
easat-9942	288	8	which	which	PRON
easat-9942	288	9	states	state	VERB
easat-9942	288	10	that	that	SCONJ
easat-9942	288	11	the	the	DET
easat-9942	288	12	objective	objective	NOUN
easat-9942	288	13	of	of	ADP
easat-9942	288	14	banking	banking	NOUN
easat-9942	288	15	is	be	AUX
easat-9942	288	16	to	to	PART
easat-9942	288	17	support	support	VERB
easat-9942	288	18	national	national	ADJ
easat-9942	288	19	development	development	NOUN
easat-9942	288	20	,	,	PUNCT
easat-9942	288	21	sounds	sound	VERB
easat-9942	288	22	noble	noble	ADJ
easat-9942	288	23	,	,	PUNCT
easat-9942	288	24	but	but	CCONJ
easat-9942	288	25	it	it	PRON
easat-9942	288	26	limits	limit	VERB
easat-9942	288	27	the	the	DET
easat-9942	288	28	movement	movement	NOUN
easat-9942	288	29	of	of	ADP
easat-9942	288	30	banks	bank	NOUN
easat-9942	288	31	as	as	ADP
easat-9942	288	32	independent	independent	ADJ
easat-9942	288	33	business	business	NOUN
easat-9942	288	34	entities	entity	NOUN
easat-9942	288	35	[	[	X
easat-9942	288	36	47	47	NUM
easat-9942	288	37	]	]	PUNCT
easat-9942	288	38	.	.	PUNCT
easat-9942	289	1	in	in	ADP
easat-9942	289	2	practice	practice	NOUN
easat-9942	289	3	,	,	PUNCT
easat-9942	289	4	banks	bank	NOUN
easat-9942	289	5	'	'	PART
easat-9942	289	6	involvement	involvement	NOUN
easat-9942	289	7	in	in	ADP
easat-9942	289	8	government	government	NOUN
easat-9942	289	9	projects	project	NOUN
easat-9942	289	10	is	be	AUX
easat-9942	289	11	often	often	ADV
easat-9942	289	12	not	not	PART
easat-9942	289	13	balanced	balance	VERB
easat-9942	289	14	with	with	ADP
easat-9942	289	15	adequate	adequate	ADJ
easat-9942	289	16	capital	capital	NOUN
easat-9942	289	17	support	support	NOUN
easat-9942	289	18	or	or	CCONJ
easat-9942	289	19	risk	risk	NOUN
easat-9942	289	20	management	management	NOUN
easat-9942	289	21	.	.	PUNCT
easat-9942	290	1	this	this	PRON
easat-9942	290	2	places	place	VERB
easat-9942	290	3	a	a	DET
easat-9942	290	4	financial	financial	ADJ
easat-9942	290	5	burden	burden	NOUN
easat-9942	290	6	on	on	ADP
easat-9942	290	7	banks	bank	NOUN
easat-9942	290	8	and	and	CCONJ
easat-9942	290	9	reduces	reduce	VERB
easat-9942	290	10	their	their	PRON
easat-9942	290	11	innovation	innovation	NOUN
easat-9942	290	12	in	in	ADP
easat-9942	290	13	developing	develop	VERB
easat-9942	290	14	service	service	NOUN
easat-9942	290	15	products	product	NOUN
easat-9942	290	16	.	.	PUNCT
easat-9942	291	1	therefore	therefore	ADV
easat-9942	291	2	,	,	PUNCT
easat-9942	291	3	it	it	PRON
easat-9942	291	4	is	be	AUX
easat-9942	291	5	necessary	necessary	ADJ
easat-9942	291	6	to	to	PART
easat-9942	291	7	change	change	VERB
easat-9942	291	8	the	the	DET
easat-9942	291	9	design	design	NOUN
easat-9942	291	10	of	of	ADP
easat-9942	291	11	the	the	DET
easat-9942	291	12	objective	objective	NOUN
easat-9942	291	13	from	from	ADP
easat-9942	291	14	public	public	ADJ
easat-9942	291	15	(	(	PUNCT
easat-9942	291	16	development	development	NOUN
easat-9942	291	17	bank	bank	PROPN
easat-9942	291	18	)	)	PUNCT
easat-9942	291	19	to	to	ADP
easat-9942	291	20	more	more	ADV
easat-9942	291	21	private	private	ADJ
easat-9942	291	22	(	(	PUNCT
easat-9942	291	23	commercial	commercial	ADJ
easat-9942	291	24	bank	bank	NOUN
easat-9942	291	25	)	)	PUNCT
easat-9942	291	26	with	with	ADP
easat-9942	291	27	a	a	DET
easat-9942	291	28	focus	focus	NOUN
easat-9942	291	29	on	on	ADP
easat-9942	291	30	business	business	NOUN
easat-9942	291	31	sustainability	sustainability	NOUN
easat-9942	291	32	.	.	PUNCT
easat-9942	292	1	this	this	DET
easat-9942	292	2	step	step	NOUN
easat-9942	292	3	does	do	AUX
easat-9942	292	4	not	not	PART
easat-9942	292	5	mean	mean	VERB
easat-9942	292	6	abandoning	abandon	VERB
easat-9942	292	7	the	the	DET
easat-9942	292	8	bank	bank	NOUN
easat-9942	292	9	's	's	PART
easat-9942	292	10	social	social	ADJ
easat-9942	292	11	responsibility	responsibility	NOUN
easat-9942	292	12	,	,	PUNCT
easat-9942	292	13	but	but	CCONJ
easat-9942	292	14	rather	rather	ADV
easat-9942	292	15	aligning	align	VERB
easat-9942	292	16	business	business	NOUN
easat-9942	292	17	sustainability	sustainability	NOUN
easat-9942	292	18	with	with	ADP
easat-9942	292	19	contributions	contribution	NOUN
easat-9942	292	20	to	to	ADP
easat-9942	292	21	the	the	DET
easat-9942	292	22	national	national	ADJ
easat-9942	292	23	economy	economy	NOUN
easat-9942	292	24	.	.	PUNCT
easat-9942	293	1	the	the	DET
easat-9942	293	2	performance	performance	NOUN
easat-9942	293	3	guarantee	guarantee	NOUN
easat-9942	293	4	system	system	NOUN
easat-9942	293	5	here	here	ADV
easat-9942	293	6	acts	act	VERB
easat-9942	293	7	as	as	ADP
easat-9942	293	8	a	a	DET
easat-9942	293	9	bridge	bridge	NOUN
easat-9942	293	10	between	between	ADP
easat-9942	293	11	the	the	DET
easat-9942	293	12	economic	economic	ADJ
easat-9942	293	13	and	and	CCONJ
easat-9942	293	14	social	social	ADJ
easat-9942	293	15	values	value	NOUN
easat-9942	293	16	of	of	ADP
easat-9942	293	17	banks	bank	NOUN
easat-9942	293	18	[	[	X
easat-9942	293	19	48	48	NUM
easat-9942	293	20	]	]	PUNCT
easat-9942	293	21	.	.	PUNCT
easat-9942	294	1	in	in	ADP
easat-9942	294	2	other	other	ADJ
easat-9942	294	3	words	word	NOUN
easat-9942	294	4	,	,	PUNCT
easat-9942	294	5	banks	bank	NOUN
easat-9942	294	6	become	become	VERB
easat-9942	294	7	strategic	strategic	ADJ
easat-9942	294	8	partners	partner	NOUN
easat-9942	294	9	of	of	ADP
easat-9942	294	10	the	the	DET
easat-9942	294	11	government	government	NOUN
easat-9942	294	12	,	,	PUNCT
easat-9942	294	13	not	not	PART
easat-9942	294	14	just	just	ADV
easat-9942	294	15	technical	technical	ADJ
easat-9942	294	16	implementers	implementer	NOUN
easat-9942	294	17	of	of	ADP
easat-9942	294	18	state	state	NOUN
easat-9942	294	19	programs	program	NOUN
easat-9942	294	20	.	.	PUNCT
easat-9942	295	1	the	the	DET
easat-9942	295	2	transformation	transformation	NOUN
easat-9942	295	3	of	of	ADP
easat-9942	295	4	banking	banking	NOUN
easat-9942	295	5	objectives	objective	NOUN
easat-9942	295	6	through	through	ADP
easat-9942	295	7	the	the	DET
easat-9942	295	8	performance	performance	NOUN
easat-9942	295	9	guarantee	guarantee	NOUN
easat-9942	295	10	system	system	NOUN
easat-9942	295	11	will	will	AUX
easat-9942	295	12	require	require	VERB
easat-9942	295	13	banks	bank	NOUN
easat-9942	295	14	to	to	PART
easat-9942	295	15	develop	develop	VERB
easat-9942	295	16	sophisticated	sophisticated	ADJ
easat-9942	295	17	,	,	PUNCT
easat-9942	295	18	data	data	NOUN
easat-9942	295	19	-	-	PUNCT
easat-9942	295	20	driven	drive	VERB
easat-9942	295	21	risk	risk	NOUN
easat-9942	295	22	assessment	assessment	NOUN
easat-9942	295	23	systems	system	NOUN
easat-9942	295	24	.	.	PUNCT
easat-9942	296	1	one	one	NUM
easat-9942	296	2	concrete	concrete	ADJ
easat-9942	296	3	step	step	NOUN
easat-9942	296	4	that	that	PRON
easat-9942	296	5	can	can	AUX
easat-9942	296	6	be	be	AUX
easat-9942	296	7	taken	take	VERB
easat-9942	296	8	is	be	AUX
easat-9942	296	9	to	to	PART
easat-9942	296	10	integrate	integrate	VERB
easat-9942	296	11	business	business	NOUN
easat-9942	296	12	information	information	NOUN
easat-9942	296	13	systems	system	NOUN
easat-9942	296	14	and	and	CCONJ
easat-9942	296	15	national	national	ADJ
easat-9942	296	16	financial	financial	ADJ
easat-9942	296	17	data	datum	NOUN
easat-9942	296	18	that	that	PRON
easat-9942	296	19	banks	bank	NOUN
easat-9942	296	20	can	can	AUX
easat-9942	296	21	access	access	VERB
easat-9942	296	22	in	in	ADP
easat-9942	296	23	real	real	ADJ
easat-9942	296	24	time	time	NOUN
easat-9942	296	25	.	.	PUNCT
easat-9942	297	1	that	that	DET
easat-9942	297	2	way	way	NOUN
easat-9942	297	3	,	,	PUNCT
easat-9942	297	4	banks	bank	NOUN
easat-9942	297	5	can	can	AUX
easat-9942	297	6	assess	assess	VERB
easat-9942	297	7	prospective	prospective	ADJ
easat-9942	297	8	customers	customer	NOUN
easat-9942	297	9	based	base	VERB
easat-9942	297	10	on	on	ADP
easat-9942	297	11	objective	objective	ADJ
easat-9942	297	12	performance	performance	NOUN
easat-9942	297	13	scores	score	NOUN
easat-9942	297	14	,	,	PUNCT
easat-9942	297	15	not	not	PART
easat-9942	297	16	just	just	ADV
easat-9942	297	17	the	the	DET
easat-9942	297	18	value	value	NOUN
easat-9942	297	19	of	of	ADP
easat-9942	297	20	the	the	DET
easat-9942	297	21	collateral	collateral	NOUN
easat-9942	297	22	offered	offer	VERB
easat-9942	297	23	[	[	X
easat-9942	297	24	49	49	NUM
easat-9942	297	25	]	]	PUNCT
easat-9942	297	26	.	.	PUNCT
easat-9942	298	1	to	to	PART
easat-9942	298	2	make	make	VERB
easat-9942	298	3	this	this	PRON
easat-9942	298	4	happen	happen	VERB
easat-9942	298	5	,	,	PUNCT
easat-9942	298	6	the	the	DET
easat-9942	298	7	government	government	NOUN
easat-9942	298	8	must	must	AUX
easat-9942	298	9	provide	provide	VERB
easat-9942	298	10	an	an	DET
easat-9942	298	11	adequate	adequate	ADJ
easat-9942	298	12	regulatory	regulatory	ADJ
easat-9942	298	13	framework	framework	NOUN
easat-9942	298	14	,	,	PUNCT
easat-9942	298	15	including	include	VERB
easat-9942	298	16	regulations	regulation	NOUN
easat-9942	298	17	on	on	ADP
easat-9942	298	18	the	the	DET
easat-9942	298	19	provision	provision	NOUN
easat-9942	298	20	of	of	ADP
easat-9942	298	21	capital	capital	NOUN
easat-9942	298	22	facilities	facility	NOUN
easat-9942	298	23	for	for	ADP
easat-9942	298	24	banks	bank	NOUN
easat-9942	298	25	undergoing	undergo	VERB
easat-9942	298	26	business	business	NOUN
easat-9942	298	27	transformation	transformation	NOUN
easat-9942	298	28	.	.	PUNCT
easat-9942	299	1	the	the	DET
easat-9942	299	2	author	author	NOUN
easat-9942	299	3	proposes	propose	VERB
easat-9942	299	4	the	the	DET
easat-9942	299	5	formation	formation	NOUN
easat-9942	299	6	of	of	ADP
easat-9942	299	7	a	a	DET
easat-9942	299	8	government	government	NOUN
easat-9942	299	9	regulation	regulation	NOUN
easat-9942	299	10	on	on	ADP
easat-9942	299	11	the	the	DET
easat-9942	299	12	provision	provision	NOUN
easat-9942	299	13	of	of	ADP
easat-9942	299	14	capital	capital	NOUN
easat-9942	299	15	facilities	facility	NOUN
easat-9942	299	16	for	for	ADP
easat-9942	299	17	banks	bank	NOUN
easat-9942	299	18	undergoing	undergo	VERB
easat-9942	299	19	functional	functional	ADJ
easat-9942	299	20	transfer	transfer	NOUN
easat-9942	299	21	.	.	PUNCT
easat-9942	300	1	this	this	PRON
easat-9942	300	2	could	could	AUX
easat-9942	300	3	take	take	VERB
easat-9942	300	4	the	the	DET
easat-9942	300	5	770	770	NUM
easat-9942	300	6	edelweiss	edelweiss	PROPN
easat-9942	300	7	applied	apply	VERB
easat-9942	300	8	science	science	NOUN
easat-9942	300	9	and	and	CCONJ
easat-9942	300	10	technology	technology	NOUN
easat-9942	300	11	issn	issn	PROPN
easat-9942	300	12	:	:	PUNCT
easat-9942	300	13	2576	2576	NUM
easat-9942	300	14	-	-	SYM
easat-9942	300	15	8484	8484	NUM
easat-9942	300	16	vol	vol	NOUN
easat-9942	300	17	.	.	PROPN
easat-9942	301	1	9	9	NUM
easat-9942	301	2	,	,	PUNCT
easat-9942	301	3	no	no	INTJ
easat-9942	301	4	.	.	NOUN
easat-9942	301	5	9	9	NUM
easat-9942	301	6	:	:	PUNCT
easat-9942	301	7	761	761	NUM
easat-9942	301	8	-	-	SYM
easat-9942	301	9	773	773	NUM
easat-9942	301	10	,	,	PUNCT
easat-9942	301	11	2025	2025	NUM
easat-9942	301	12	doi	doi	NOUN
easat-9942	301	13	:	:	PUNCT
easat-9942	301	14	10.55214/2576	10.55214/2576	NUM
easat-9942	301	15	-	-	PUNCT
easat-9942	301	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	301	17	©	©	ADP
easat-9942	301	18	2025	2025	NUM
easat-9942	301	19	by	by	ADP
easat-9942	301	20	the	the	DET
easat-9942	301	21	authors	author	NOUN
easat-9942	301	22	;	;	PUNCT
easat-9942	302	1	licensee	licensee	PROPN
easat-9942	302	2	learning	learning	NOUN
easat-9942	302	3	gate	gate	NOUN
easat-9942	302	4	form	form	NOUN
easat-9942	302	5	of	of	ADP
easat-9942	302	6	soft	soft	ADJ
easat-9942	302	7	loans	loan	NOUN
easat-9942	302	8	,	,	PUNCT
easat-9942	302	9	temporary	temporary	ADJ
easat-9942	302	10	capital	capital	NOUN
easat-9942	302	11	participation	participation	NOUN
easat-9942	302	12	,	,	PUNCT
easat-9942	302	13	or	or	CCONJ
easat-9942	302	14	government	government	NOUN
easat-9942	302	15	fund	fund	NOUN
easat-9942	302	16	placements	placement	NOUN
easat-9942	302	17	based	base	VERB
easat-9942	302	18	on	on	ADP
easat-9942	302	19	an	an	DET
easat-9942	302	20	analysis	analysis	NOUN
easat-9942	302	21	of	of	ADP
easat-9942	302	22	the	the	DET
easat-9942	302	23	bank	bank	NOUN
easat-9942	302	24	's	's	PART
easat-9942	302	25	own	own	ADJ
easat-9942	302	26	performance	performance	NOUN
easat-9942	302	27	[	[	X
easat-9942	302	28	50	50	NUM
easat-9942	302	29	]	]	PUNCT
easat-9942	302	30	.	.	PUNCT
easat-9942	303	1	this	this	DET
easat-9942	303	2	approach	approach	NOUN
easat-9942	303	3	allows	allow	VERB
easat-9942	303	4	for	for	ADP
easat-9942	303	5	the	the	DET
easat-9942	303	6	application	application	NOUN
easat-9942	303	7	of	of	ADP
easat-9942	303	8	a	a	DET
easat-9942	303	9	win	win	NOUN
easat-9942	303	10	-	-	PUNCT
easat-9942	303	11	win	win	NOUN
easat-9942	303	12	solution	solution	NOUN
easat-9942	303	13	between	between	ADP
easat-9942	303	14	the	the	DET
easat-9942	303	15	government	government	NOUN
easat-9942	303	16	and	and	CCONJ
easat-9942	303	17	the	the	DET
easat-9942	303	18	banking	banking	NOUN
easat-9942	303	19	sector	sector	NOUN
easat-9942	303	20	.	.	PUNCT
easat-9942	304	1	in	in	ADP
easat-9942	304	2	addition	addition	NOUN
easat-9942	304	3	to	to	ADP
easat-9942	304	4	strengthening	strengthen	VERB
easat-9942	304	5	bank	bank	NOUN
easat-9942	304	6	capital	capital	NOUN
easat-9942	304	7	,	,	PUNCT
easat-9942	304	8	this	this	DET
easat-9942	304	9	scheme	scheme	NOUN
easat-9942	304	10	also	also	ADV
easat-9942	304	11	increases	increase	VERB
easat-9942	304	12	the	the	DET
easat-9942	304	13	resilience	resilience	NOUN
easat-9942	304	14	of	of	ADP
easat-9942	304	15	the	the	DET
easat-9942	304	16	national	national	ADJ
easat-9942	304	17	financial	financial	ADJ
easat-9942	304	18	system	system	NOUN
easat-9942	304	19	.	.	PUNCT
easat-9942	305	1	in	in	ADP
easat-9942	305	2	this	this	DET
easat-9942	305	3	fund	fund	NOUN
easat-9942	305	4	provision	provision	NOUN
easat-9942	305	5	scheme	scheme	NOUN
easat-9942	305	6	,	,	PUNCT
easat-9942	305	7	a	a	DET
easat-9942	305	8	performance	performance	NOUN
easat-9942	305	9	-	-	PUNCT
easat-9942	305	10	based	base	VERB
easat-9942	305	11	approach	approach	NOUN
easat-9942	305	12	must	must	AUX
easat-9942	305	13	be	be	AUX
easat-9942	305	14	the	the	DET
easat-9942	305	15	main	main	ADJ
easat-9942	305	16	foundation	foundation	NOUN
easat-9942	305	17	.	.	PUNCT
easat-9942	306	1	the	the	DET
easat-9942	306	2	government	government	NOUN
easat-9942	306	3	can	can	AUX
easat-9942	306	4	assess	assess	VERB
easat-9942	306	5	the	the	DET
easat-9942	306	6	effectiveness	effectiveness	NOUN
easat-9942	306	7	of	of	ADP
easat-9942	306	8	public	public	ADJ
easat-9942	306	9	fund	fund	NOUN
easat-9942	306	10	utilization	utilization	NOUN
easat-9942	306	11	based	base	VERB
easat-9942	306	12	on	on	ADP
easat-9942	306	13	the	the	DET
easat-9942	306	14	bank	bank	NOUN
easat-9942	306	15	's	's	PART
easat-9942	306	16	success	success	NOUN
easat-9942	306	17	in	in	ADP
easat-9942	306	18	channeling	channel	VERB
easat-9942	306	19	productive	productive	ADJ
easat-9942	306	20	credit	credit	NOUN
easat-9942	306	21	,	,	PUNCT
easat-9942	306	22	reducing	reduce	VERB
easat-9942	306	23	the	the	DET
easat-9942	306	24	number	number	NOUN
easat-9942	306	25	of	of	ADP
easat-9942	306	26	non	non	ADJ
easat-9942	306	27	-	-	ADJ
easat-9942	306	28	performing	performing	ADJ
easat-9942	306	29	loans	loan	NOUN
easat-9942	306	30	,	,	PUNCT
easat-9942	306	31	and	and	CCONJ
easat-9942	306	32	increasing	increase	VERB
easat-9942	306	33	the	the	DET
easat-9942	306	34	penetration	penetration	NOUN
easat-9942	306	35	of	of	ADP
easat-9942	306	36	financial	financial	ADJ
easat-9942	306	37	services	service	NOUN
easat-9942	306	38	to	to	ADP
easat-9942	306	39	the	the	DET
easat-9942	306	40	real	real	ADJ
easat-9942	306	41	sector	sector	NOUN
easat-9942	306	42	[	[	X
easat-9942	306	43	51	51	NUM
easat-9942	306	44	]	]	PUNCT
easat-9942	306	45	.	.	PUNCT
easat-9942	307	1	bank	bank	NOUN
easat-9942	307	2	performance	performance	NOUN
easat-9942	307	3	will	will	AUX
easat-9942	307	4	be	be	AUX
easat-9942	307	5	reflected	reflect	VERB
easat-9942	307	6	in	in	ADP
easat-9942	307	7	indicators	indicator	NOUN
easat-9942	307	8	such	such	ADJ
easat-9942	307	9	as	as	ADP
easat-9942	307	10	profitability	profitability	NOUN
easat-9942	307	11	ratio	ratio	NOUN
easat-9942	307	12	,	,	PUNCT
easat-9942	307	13	current	current	ADJ
easat-9942	307	14	credit	credit	NOUN
easat-9942	307	15	ratio	ratio	NOUN
easat-9942	307	16	,	,	PUNCT
easat-9942	307	17	and	and	CCONJ
easat-9942	307	18	productive	productive	ADJ
easat-9942	307	19	portfolio	portfolio	NOUN
easat-9942	307	20	growth	growth	NOUN
easat-9942	307	21	.	.	PUNCT
easat-9942	308	1	on	on	ADP
easat-9942	308	2	the	the	DET
easat-9942	308	3	other	other	ADJ
easat-9942	308	4	hand	hand	NOUN
easat-9942	308	5	,	,	PUNCT
easat-9942	308	6	banks	bank	NOUN
easat-9942	308	7	are	be	AUX
easat-9942	308	8	required	require	VERB
easat-9942	308	9	to	to	PART
easat-9942	308	10	submit	submit	VERB
easat-9942	308	11	performance	performance	NOUN
easat-9942	308	12	reports	report	NOUN
easat-9942	308	13	regularly	regularly	ADV
easat-9942	308	14	and	and	CCONJ
easat-9942	308	15	transparently	transparently	ADV
easat-9942	308	16	to	to	ADP
easat-9942	308	17	the	the	DET
easat-9942	308	18	financial	financial	ADJ
easat-9942	308	19	authorities	authority	NOUN
easat-9942	308	20	.	.	PUNCT
easat-9942	309	1	thus	thus	ADV
easat-9942	309	2	,	,	PUNCT
easat-9942	309	3	this	this	DET
easat-9942	309	4	system	system	NOUN
easat-9942	309	5	will	will	AUX
easat-9942	309	6	create	create	VERB
easat-9942	309	7	internal	internal	ADJ
easat-9942	309	8	discipline	discipline	NOUN
easat-9942	309	9	in	in	ADP
easat-9942	309	10	the	the	DET
easat-9942	309	11	management	management	NOUN
easat-9942	309	12	of	of	ADP
easat-9942	309	13	public	public	ADJ
easat-9942	309	14	funds	fund	NOUN
easat-9942	309	15	and	and	CCONJ
easat-9942	309	16	increase	increase	VERB
easat-9942	309	17	the	the	DET
easat-9942	309	18	accountability	accountability	NOUN
easat-9942	309	19	of	of	ADP
easat-9942	309	20	the	the	DET
easat-9942	309	21	banking	banking	NOUN
easat-9942	309	22	sector	sector	NOUN
easat-9942	309	23	.	.	PUNCT
easat-9942	310	1	in	in	ADP
easat-9942	310	2	addition	addition	NOUN
easat-9942	310	3	,	,	PUNCT
easat-9942	310	4	banks	bank	NOUN
easat-9942	310	5	will	will	AUX
easat-9942	310	6	be	be	AUX
easat-9942	310	7	more	more	ADV
easat-9942	310	8	encouraged	encouraged	ADJ
easat-9942	310	9	to	to	PART
easat-9942	310	10	strengthen	strengthen	VERB
easat-9942	310	11	their	their	PRON
easat-9942	310	12	performance	performance	NOUN
easat-9942	310	13	guarantee	guarantee	NOUN
easat-9942	310	14	systems	system	NOUN
easat-9942	310	15	as	as	ADP
easat-9942	310	16	instruments	instrument	NOUN
easat-9942	310	17	for	for	ADP
easat-9942	310	18	risk	risk	NOUN
easat-9942	310	19	mitigation	mitigation	NOUN
easat-9942	310	20	and	and	CCONJ
easat-9942	310	21	internal	internal	ADJ
easat-9942	310	22	evaluation	evaluation	NOUN
easat-9942	310	23	.	.	PUNCT
easat-9942	311	1	the	the	DET
easat-9942	311	2	author	author	NOUN
easat-9942	311	3	believes	believe	VERB
easat-9942	311	4	that	that	SCONJ
easat-9942	311	5	this	this	DET
easat-9942	311	6	kind	kind	NOUN
easat-9942	311	7	of	of	ADP
easat-9942	311	8	performance	performance	NOUN
easat-9942	311	9	-	-	PUNCT
easat-9942	311	10	based	base	VERB
easat-9942	311	11	regulatory	regulatory	ADJ
easat-9942	311	12	framework	framework	NOUN
easat-9942	311	13	is	be	AUX
easat-9942	311	14	highly	highly	ADV
easat-9942	311	15	relevant	relevant	ADJ
easat-9942	311	16	in	in	ADP
easat-9942	311	17	this	this	DET
easat-9942	311	18	era	era	NOUN
easat-9942	311	19	of	of	ADP
easat-9942	311	20	fast	fast	ADV
easat-9942	311	21	-	-	PUNCT
easat-9942	311	22	moving	move	VERB
easat-9942	311	23	,	,	PUNCT
easat-9942	311	24	data	data	NOUN
easat-9942	311	25	-	-	PUNCT
easat-9942	311	26	driven	drive	VERB
easat-9942	311	27	business	business	NOUN
easat-9942	311	28	.	.	PUNCT
easat-9942	312	1	without	without	ADP
easat-9942	312	2	it	it	PRON
easat-9942	312	3	,	,	PUNCT
easat-9942	312	4	the	the	DET
easat-9942	312	5	national	national	ADJ
easat-9942	312	6	legal	legal	ADJ
easat-9942	312	7	and	and	CCONJ
easat-9942	312	8	financial	financial	ADJ
easat-9942	312	9	systems	system	NOUN
easat-9942	312	10	will	will	AUX
easat-9942	312	11	lag	lag	VERB
easat-9942	312	12	behind	behind	ADP
easat-9942	312	13	global	global	ADJ
easat-9942	312	14	dynamics	dynamic	NOUN
easat-9942	312	15	[	[	X
easat-9942	312	16	52	52	NUM
easat-9942	312	17	]	]	PUNCT
easat-9942	312	18	.	.	PUNCT
easat-9942	313	1	one	one	NUM
easat-9942	313	2	important	important	ADJ
easat-9942	313	3	element	element	NOUN
easat-9942	313	4	in	in	ADP
easat-9942	313	5	the	the	DET
easat-9942	313	6	paradigm	paradigm	NOUN
easat-9942	313	7	shift	shift	NOUN
easat-9942	313	8	of	of	ADP
easat-9942	313	9	guarantees	guarantee	NOUN
easat-9942	313	10	is	be	AUX
easat-9942	313	11	the	the	DET
easat-9942	313	12	shift	shift	NOUN
easat-9942	313	13	from	from	ADP
easat-9942	313	14	a	a	DET
easat-9942	313	15	quantitative	quantitative	ADJ
easat-9942	313	16	approach	approach	NOUN
easat-9942	313	17	to	to	ADP
easat-9942	313	18	a	a	DET
easat-9942	313	19	qualitative	qualitative	ADJ
easat-9942	313	20	approach	approach	NOUN
easat-9942	313	21	in	in	ADP
easat-9942	313	22	assessing	assess	VERB
easat-9942	313	23	prospective	prospective	ADJ
easat-9942	313	24	debtors	debtor	NOUN
easat-9942	313	25	.	.	PUNCT
easat-9942	314	1	until	until	ADP
easat-9942	314	2	now	now	ADV
easat-9942	314	3	,	,	PUNCT
easat-9942	314	4	the	the	DET
easat-9942	314	5	banking	banking	NOUN
easat-9942	314	6	system	system	NOUN
easat-9942	314	7	has	have	AUX
easat-9942	314	8	relied	rely	VERB
easat-9942	314	9	too	too	ADV
easat-9942	314	10	much	much	ADJ
easat-9942	314	11	on	on	ADP
easat-9942	314	12	numerical	numerical	ADJ
easat-9942	314	13	data	datum	NOUN
easat-9942	314	14	such	such	ADJ
easat-9942	314	15	as	as	ADP
easat-9942	314	16	asset	asset	NOUN
easat-9942	314	17	value	value	NOUN
easat-9942	314	18	or	or	CCONJ
easat-9942	314	19	financial	financial	ADJ
easat-9942	314	20	ratios	ratio	NOUN
easat-9942	314	21	to	to	PART
easat-9942	314	22	determine	determine	VERB
easat-9942	314	23	creditworthiness	creditworthiness	NOUN
easat-9942	314	24	.	.	PUNCT
easat-9942	315	1	in	in	ADP
easat-9942	315	2	fact	fact	NOUN
easat-9942	315	3	,	,	PUNCT
easat-9942	315	4	business	business	NOUN
easat-9942	315	5	success	success	NOUN
easat-9942	315	6	is	be	AUX
easat-9942	315	7	largely	largely	ADV
easat-9942	315	8	determined	determine	VERB
easat-9942	315	9	by	by	ADP
easat-9942	315	10	non	non	ADJ
easat-9942	315	11	-	-	ADJ
easat-9942	315	12	material	material	ADJ
easat-9942	315	13	factors	factor	NOUN
easat-9942	315	14	such	such	ADJ
easat-9942	315	15	as	as	ADP
easat-9942	315	16	character	character	NOUN
easat-9942	315	17	,	,	PUNCT
easat-9942	315	18	management	management	NOUN
easat-9942	315	19	competence	competence	NOUN
easat-9942	315	20	,	,	PUNCT
easat-9942	315	21	and	and	CCONJ
easat-9942	315	22	product	product	NOUN
easat-9942	315	23	innovation	innovation	NOUN
easat-9942	315	24	.	.	PUNCT
easat-9942	316	1	the	the	DET
easat-9942	316	2	5c	5c	NUM
easat-9942	316	3	analysis	analysis	NOUN
easat-9942	316	4	(	(	PUNCT
easat-9942	316	5	character	character	NOUN
easat-9942	316	6	,	,	PUNCT
easat-9942	316	7	capacity	capacity	NOUN
easat-9942	316	8	,	,	PUNCT
easat-9942	316	9	capital	capital	NOUN
easat-9942	316	10	,	,	PUNCT
easat-9942	316	11	collateral	collateral	NOUN
easat-9942	316	12	,	,	PUNCT
easat-9942	316	13	and	and	CCONJ
easat-9942	316	14	condition	condition	NOUN
easat-9942	316	15	of	of	ADP
easat-9942	316	16	economy	economy	NOUN
easat-9942	316	17	)	)	PUNCT
easat-9942	316	18	actually	actually	ADV
easat-9942	316	19	reflects	reflect	VERB
easat-9942	316	20	this	this	DET
easat-9942	316	21	approach	approach	NOUN
easat-9942	316	22	,	,	PUNCT
easat-9942	316	23	but	but	CCONJ
easat-9942	316	24	in	in	ADP
easat-9942	316	25	practice	practice	NOUN
easat-9942	316	26	,	,	PUNCT
easat-9942	316	27	it	it	PRON
easat-9942	316	28	still	still	ADV
easat-9942	316	29	places	place	VERB
easat-9942	316	30	too	too	ADV
easat-9942	316	31	much	much	ADJ
easat-9942	316	32	emphasis	emphasis	NOUN
easat-9942	316	33	on	on	ADP
easat-9942	316	34	collateral	collateral	NOUN
easat-9942	316	35	[	[	X
easat-9942	316	36	53	53	NUM
easat-9942	316	37	]	]	PUNCT
easat-9942	316	38	.	.	PUNCT
easat-9942	317	1	the	the	DET
easat-9942	317	2	performance	performance	NOUN
easat-9942	317	3	guarantee	guarantee	NOUN
easat-9942	317	4	system	system	NOUN
easat-9942	317	5	places	place	VERB
easat-9942	317	6	the	the	DET
easat-9942	317	7	first	first	ADJ
easat-9942	317	8	four	four	NUM
easat-9942	317	9	aspects	aspect	NOUN
easat-9942	317	10	as	as	ADP
easat-9942	317	11	the	the	DET
easat-9942	317	12	main	main	ADJ
easat-9942	317	13	foundation	foundation	NOUN
easat-9942	317	14	of	of	ADP
easat-9942	317	15	the	the	PRON
easat-9942	317	16	"	"	PUNCT
easat-9942	317	17	"	"	PUNCT
easat-9942	317	18	in	in	ADP
easat-9942	317	19	assessing	assess	VERB
easat-9942	317	20	creditworthiness	creditworthiness	NOUN
easat-9942	317	21	.	.	PUNCT
easat-9942	318	1	banks	bank	NOUN
easat-9942	318	2	will	will	AUX
easat-9942	318	3	be	be	AUX
easat-9942	318	4	encouraged	encourage	VERB
easat-9942	318	5	to	to	PART
easat-9942	318	6	delve	delve	VERB
easat-9942	318	7	deeper	deeply	ADV
easat-9942	318	8	into	into	ADP
easat-9942	318	9	the	the	DET
easat-9942	318	10	management	management	NOUN
easat-9942	318	11	background	background	NOUN
easat-9942	318	12	,	,	PUNCT
easat-9942	318	13	business	business	NOUN
easat-9942	318	14	reputation	reputation	NOUN
easat-9942	318	15	,	,	PUNCT
easat-9942	318	16	and	and	CCONJ
easat-9942	318	17	business	business	NOUN
easat-9942	318	18	development	development	NOUN
easat-9942	318	19	strategies	strategy	NOUN
easat-9942	318	20	of	of	ADP
easat-9942	318	21	prospective	prospective	ADJ
easat-9942	318	22	customers	customer	NOUN
easat-9942	318	23	.	.	PUNCT
easat-9942	319	1	with	with	ADP
easat-9942	319	2	this	this	DET
easat-9942	319	3	approach	approach	NOUN
easat-9942	319	4	,	,	PUNCT
easat-9942	319	5	the	the	DET
easat-9942	319	6	guarantee	guarantee	NOUN
easat-9942	319	7	system	system	NOUN
easat-9942	319	8	becomes	become	VERB
easat-9942	319	9	more	more	ADV
easat-9942	319	10	humane	humane	ADJ
easat-9942	319	11	and	and	CCONJ
easat-9942	319	12	proportional	proportional	ADJ
easat-9942	319	13	.	.	PUNCT
easat-9942	320	1	in	in	ADP
easat-9942	320	2	addition	addition	NOUN
easat-9942	320	3	,	,	PUNCT
easat-9942	320	4	this	this	DET
easat-9942	320	5	paradigm	paradigm	NOUN
easat-9942	320	6	shift	shift	NOUN
easat-9942	320	7	also	also	ADV
easat-9942	320	8	encourages	encourage	VERB
easat-9942	320	9	banks	bank	NOUN
easat-9942	320	10	to	to	PART
easat-9942	320	11	develop	develop	VERB
easat-9942	320	12	an	an	DET
easat-9942	320	13	internal	internal	ADJ
easat-9942	320	14	performance	performance	NOUN
easat-9942	320	15	audit	audit	NOUN
easat-9942	320	16	system	system	NOUN
easat-9942	320	17	based	base	VERB
easat-9942	320	18	on	on	ADP
easat-9942	320	19	legal	legal	ADJ
easat-9942	320	20	compliance	compliance	NOUN
easat-9942	320	21	.	.	PUNCT
easat-9942	321	1	banks	bank	NOUN
easat-9942	321	2	will	will	AUX
easat-9942	321	3	not	not	PART
easat-9942	321	4	only	only	ADV
easat-9942	321	5	focus	focus	VERB
easat-9942	321	6	on	on	ADP
easat-9942	321	7	complying	comply	VERB
easat-9942	321	8	with	with	ADP
easat-9942	321	9	regulations	regulation	NOUN
easat-9942	321	10	,	,	PUNCT
easat-9942	321	11	but	but	CCONJ
easat-9942	321	12	also	also	ADV
easat-9942	321	13	evaluate	evaluate	VERB
easat-9942	321	14	the	the	DET
easat-9942	321	15	effectiveness	effectiveness	NOUN
easat-9942	321	16	of	of	ADP
easat-9942	321	17	the	the	DET
easat-9942	321	18	implementation	implementation	NOUN
easat-9942	321	19	of	of	ADP
easat-9942	321	20	internal	internal	ADJ
easat-9942	321	21	procedures	procedure	NOUN
easat-9942	321	22	and	and	CCONJ
easat-9942	321	23	policies	policy	NOUN
easat-9942	321	24	on	on	ADP
easat-9942	321	25	an	an	DET
easat-9942	321	26	ongoing	ongoing	ADJ
easat-9942	321	27	basis	basis	NOUN
easat-9942	321	28	[	[	X
easat-9942	321	29	54	54	NUM
easat-9942	321	30	]	]	PUNCT
easat-9942	321	31	.	.	PUNCT
easat-9942	322	1	this	this	PRON
easat-9942	322	2	is	be	AUX
easat-9942	322	3	where	where	SCONJ
easat-9942	322	4	the	the	DET
easat-9942	322	5	concept	concept	NOUN
easat-9942	322	6	of	of	ADP
easat-9942	322	7	a	a	DET
easat-9942	322	8	legal	legal	ADJ
easat-9942	322	9	quality	quality	NOUN
easat-9942	322	10	management	management	NOUN
easat-9942	322	11	system	system	NOUN
easat-9942	322	12	becomes	become	VERB
easat-9942	322	13	important	important	ADJ
easat-9942	322	14	,	,	PUNCT
easat-9942	322	15	making	make	VERB
easat-9942	322	16	policy	policy	NOUN
easat-9942	322	17	manuals	manual	NOUN
easat-9942	322	18	,	,	PUNCT
easat-9942	322	19	procedure	procedure	NOUN
easat-9942	322	20	manuals	manual	NOUN
easat-9942	322	21	,	,	PUNCT
easat-9942	322	22	and	and	CCONJ
easat-9942	322	23	work	work	NOUN
easat-9942	322	24	instructions	instruction	NOUN
easat-9942	322	25	internal	internal	ADJ
easat-9942	322	26	standards	standard	NOUN
easat-9942	322	27	that	that	PRON
easat-9942	322	28	must	must	AUX
easat-9942	322	29	be	be	AUX
easat-9942	322	30	complied	comply	VERB
easat-9942	322	31	with	with	ADP
easat-9942	322	32	by	by	ADP
easat-9942	322	33	all	all	DET
easat-9942	322	34	bank	bank	NOUN
easat-9942	322	35	work	work	NOUN
easat-9942	322	36	units	unit	NOUN
easat-9942	322	37	.	.	PUNCT
easat-9942	323	1	the	the	DET
easat-9942	323	2	implementation	implementation	NOUN
easat-9942	323	3	of	of	ADP
easat-9942	323	4	this	this	DET
easat-9942	323	5	system	system	NOUN
easat-9942	323	6	will	will	AUX
easat-9942	323	7	make	make	VERB
easat-9942	323	8	banks	bank	NOUN
easat-9942	323	9	more	more	ADV
easat-9942	323	10	professional	professional	ADJ
easat-9942	323	11	and	and	CCONJ
easat-9942	323	12	accountable	accountable	ADJ
easat-9942	323	13	,	,	PUNCT
easat-9942	323	14	as	as	ADV
easat-9942	323	15	well	well	ADV
easat-9942	323	16	as	as	ADP
easat-9942	323	17	reduce	reduce	VERB
easat-9942	323	18	the	the	DET
easat-9942	323	19	risk	risk	NOUN
easat-9942	323	20	of	of	ADP
easat-9942	323	21	failure	failure	NOUN
easat-9942	323	22	due	due	ADP
easat-9942	323	23	to	to	ADP
easat-9942	323	24	internal	internal	ADJ
easat-9942	323	25	violations	violation	NOUN
easat-9942	323	26	.	.	PUNCT
easat-9942	324	1	these	these	DET
easat-9942	324	2	manual	manual	ADJ
easat-9942	324	3	systems	system	NOUN
easat-9942	324	4	serve	serve	VERB
easat-9942	324	5	as	as	ADP
easat-9942	324	6	a	a	DET
easat-9942	324	7	bridge	bridge	NOUN
easat-9942	324	8	between	between	ADP
easat-9942	324	9	positive	positive	ADJ
easat-9942	324	10	legal	legal	ADJ
easat-9942	324	11	principles	principle	NOUN
easat-9942	324	12	and	and	CCONJ
easat-9942	324	13	the	the	DET
easat-9942	324	14	operational	operational	ADJ
easat-9942	324	15	needs	need	NOUN
easat-9942	324	16	of	of	ADP
easat-9942	324	17	modern	modern	ADJ
easat-9942	324	18	financial	financial	ADJ
easat-9942	324	19	institutions	institution	NOUN
easat-9942	324	20	.	.	PUNCT
easat-9942	325	1	therefore	therefore	ADV
easat-9942	325	2	,	,	PUNCT
easat-9942	325	3	changes	change	NOUN
easat-9942	325	4	to	to	ADP
easat-9942	325	5	the	the	DET
easat-9942	325	6	assurance	assurance	NOUN
easat-9942	325	7	system	system	NOUN
easat-9942	325	8	must	must	AUX
easat-9942	325	9	be	be	AUX
easat-9942	325	10	followed	follow	VERB
easat-9942	325	11	by	by	ADP
easat-9942	325	12	improvements	improvement	NOUN
easat-9942	325	13	to	to	ADP
easat-9942	325	14	the	the	DET
easat-9942	325	15	documentation	documentation	NOUN
easat-9942	325	16	and	and	CCONJ
easat-9942	325	17	legal	legal	ADJ
easat-9942	325	18	-	-	PUNCT
easat-9942	325	19	based	base	VERB
easat-9942	325	20	risk	risk	NOUN
easat-9942	325	21	management	management	NOUN
easat-9942	325	22	systems	system	NOUN
easat-9942	325	23	.	.	PUNCT
easat-9942	326	1	the	the	DET
easat-9942	326	2	integration	integration	NOUN
easat-9942	326	3	of	of	ADP
easat-9942	326	4	performance	performance	NOUN
easat-9942	326	5	assurance	assurance	NOUN
easat-9942	326	6	and	and	CCONJ
easat-9942	326	7	legal	legal	ADJ
easat-9942	326	8	quality	quality	NOUN
easat-9942	326	9	systems	system	NOUN
easat-9942	326	10	will	will	AUX
easat-9942	326	11	be	be	AUX
easat-9942	326	12	the	the	DET
easat-9942	326	13	backbone	backbone	NOUN
easat-9942	326	14	of	of	ADP
easat-9942	326	15	bank	bank	NOUN
easat-9942	326	16	transformation	transformation	NOUN
easat-9942	326	17	in	in	ADP
easat-9942	326	18	the	the	DET
easat-9942	326	19	4.0	4.0	NUM
easat-9942	326	20	era	era	NOUN
easat-9942	326	21	[	[	X
easat-9942	326	22	55	55	NUM
easat-9942	326	23	]	]	PUNCT
easat-9942	326	24	.	.	PUNCT
easat-9942	327	1	this	this	DET
easat-9942	327	2	transformation	transformation	NOUN
easat-9942	327	3	is	be	AUX
easat-9942	327	4	not	not	PART
easat-9942	327	5	merely	merely	ADV
easat-9942	327	6	a	a	DET
easat-9942	327	7	demand	demand	NOUN
easat-9942	327	8	for	for	ADP
easat-9942	327	9	adaptation	adaptation	NOUN
easat-9942	327	10	,	,	PUNCT
easat-9942	327	11	but	but	CCONJ
easat-9942	327	12	a	a	DET
easat-9942	327	13	strategic	strategic	ADJ
easat-9942	327	14	necessity	necessity	NOUN
easat-9942	327	15	to	to	PART
easat-9942	327	16	maintain	maintain	VERB
easat-9942	327	17	economic	economic	ADJ
easat-9942	327	18	sovereignty	sovereignty	NOUN
easat-9942	327	19	and	and	CCONJ
easat-9942	327	20	the	the	DET
easat-9942	327	21	resilience	resilience	NOUN
easat-9942	327	22	of	of	ADP
easat-9942	327	23	the	the	DET
easat-9942	327	24	national	national	ADJ
easat-9942	327	25	financial	financial	ADJ
easat-9942	327	26	system	system	NOUN
easat-9942	327	27	.	.	PUNCT
easat-9942	328	1	in	in	ADP
easat-9942	328	2	an	an	DET
easat-9942	328	3	increasingly	increasingly	ADV
easat-9942	328	4	connected	connect	VERB
easat-9942	328	5	global	global	ADJ
easat-9942	328	6	landscape	landscape	NOUN
easat-9942	328	7	,	,	PUNCT
easat-9942	328	8	a	a	DET
easat-9942	328	9	country	country	NOUN
easat-9942	328	10	's	's	PART
easat-9942	328	11	ability	ability	NOUN
easat-9942	328	12	to	to	PART
easat-9942	328	13	keep	keep	VERB
easat-9942	328	14	its	its	PRON
easat-9942	328	15	banking	banking	NOUN
easat-9942	328	16	industry	industry	NOUN
easat-9942	328	17	relevant	relevant	ADJ
easat-9942	328	18	and	and	CCONJ
easat-9942	328	19	competitive	competitive	ADJ
easat-9942	328	20	is	be	AUX
easat-9942	328	21	a	a	DET
easat-9942	328	22	key	key	ADJ
easat-9942	328	23	determinant	determinant	NOUN
easat-9942	328	24	of	of	ADP
easat-9942	328	25	its	its	PRON
easat-9942	328	26	economic	economic	ADJ
easat-9942	328	27	strength	strength	NOUN
easat-9942	328	28	[	[	X
easat-9942	328	29	56	56	NUM
easat-9942	328	30	]	]	PUNCT
easat-9942	328	31	.	.	PUNCT
easat-9942	329	1	the	the	DET
easat-9942	329	2	author	author	NOUN
easat-9942	329	3	believes	believe	VERB
easat-9942	329	4	that	that	SCONJ
easat-9942	329	5	indonesia	indonesia	PROPN
easat-9942	329	6	must	must	AUX
easat-9942	329	7	be	be	AUX
easat-9942	329	8	a	a	DET
easat-9942	329	9	pioneer	pioneer	NOUN
easat-9942	329	10	in	in	ADP
easat-9942	329	11	implementing	implement	VERB
easat-9942	329	12	a	a	DET
easat-9942	329	13	performance	performance	NOUN
easat-9942	329	14	guarantee	guarantee	NOUN
easat-9942	329	15	system	system	NOUN
easat-9942	329	16	based	base	VERB
easat-9942	329	17	on	on	ADP
easat-9942	329	18	fairness	fairness	NOUN
easat-9942	329	19	,	,	PUNCT
easat-9942	329	20	technology	technology	NOUN
easat-9942	329	21	,	,	PUNCT
easat-9942	329	22	and	and	CCONJ
easat-9942	329	23	progressive	progressive	ADJ
easat-9942	329	24	legal	legal	ADJ
easat-9942	329	25	principles	principle	NOUN
easat-9942	329	26	.	.	PUNCT
easat-9942	330	1	through	through	ADP
easat-9942	330	2	changes	change	NOUN
easat-9942	330	3	in	in	ADP
easat-9942	330	4	the	the	DET
easat-9942	330	5	design	design	NOUN
easat-9942	330	6	of	of	ADP
easat-9942	330	7	the	the	DET
easat-9942	330	8	functions	function	NOUN
easat-9942	330	9	,	,	PUNCT
easat-9942	330	10	objectives	objective	NOUN
easat-9942	330	11	,	,	PUNCT
easat-9942	330	12	and	and	CCONJ
easat-9942	330	13	banking	banking	NOUN
easat-9942	330	14	guarantee	guarantee	NOUN
easat-9942	330	15	system	system	NOUN
easat-9942	330	16	,	,	PUNCT
easat-9942	330	17	it	it	PRON
easat-9942	330	18	is	be	AUX
easat-9942	330	19	hoped	hope	VERB
easat-9942	330	20	that	that	SCONJ
easat-9942	330	21	indonesia	indonesia	PROPN
easat-9942	330	22	will	will	AUX
easat-9942	330	23	be	be	AUX
easat-9942	330	24	able	able	ADJ
easat-9942	330	25	to	to	PART
easat-9942	330	26	create	create	VERB
easat-9942	330	27	a	a	DET
easat-9942	330	28	new	new	ADJ
easat-9942	330	29	financial	financial	ADJ
easat-9942	330	30	model	model	NOUN
easat-9942	330	31	that	that	PRON
easat-9942	330	32	is	be	AUX
easat-9942	330	33	more	more	ADV
easat-9942	330	34	adaptive	adaptive	ADJ
easat-9942	330	35	and	and	CCONJ
easat-9942	330	36	competitive	competitive	ADJ
easat-9942	330	37	.	.	PUNCT
easat-9942	331	1	this	this	DET
easat-9942	331	2	model	model	NOUN
easat-9942	331	3	not	not	PART
easat-9942	331	4	only	only	ADV
easat-9942	331	5	protects	protect	VERB
easat-9942	331	6	customers	customer	NOUN
easat-9942	331	7	and	and	CCONJ
easat-9942	331	8	banks	bank	NOUN
easat-9942	331	9	,	,	PUNCT
easat-9942	331	10	but	but	CCONJ
easat-9942	331	11	also	also	ADV
easat-9942	331	12	substantially	substantially	ADV
easat-9942	331	13	strengthens	strengthen	VERB
easat-9942	331	14	the	the	DET
easat-9942	331	15	intermediary	intermediary	ADJ
easat-9942	331	16	function	function	NOUN
easat-9942	331	17	of	of	ADP
easat-9942	331	18	banks	bank	NOUN
easat-9942	331	19	.	.	PUNCT
easat-9942	332	1	banks	bank	NOUN
easat-9942	332	2	will	will	AUX
easat-9942	332	3	become	become	VERB
easat-9942	332	4	institutions	institution	NOUN
easat-9942	332	5	that	that	PRON
easat-9942	332	6	actively	actively	ADV
easat-9942	332	7	shape	shape	VERB
easat-9942	332	8	a	a	DET
easat-9942	332	9	healthy	healthy	ADJ
easat-9942	332	10	,	,	PUNCT
easat-9942	332	11	inclusive	inclusive	ADJ
easat-9942	332	12	,	,	PUNCT
easat-9942	332	13	and	and	CCONJ
easat-9942	332	14	innovative	innovative	ADJ
easat-9942	332	15	business	business	NOUN
easat-9942	332	16	ecosystem	ecosystem	NOUN
easat-9942	332	17	.	.	PUNCT
easat-9942	333	1	with	with	ADP
easat-9942	333	2	a	a	DET
easat-9942	333	3	strong	strong	ADJ
easat-9942	333	4	legal	legal	ADJ
easat-9942	333	5	foundation	foundation	NOUN
easat-9942	333	6	and	and	CCONJ
easat-9942	333	7	performance	performance	NOUN
easat-9942	333	8	-	-	PUNCT
easat-9942	333	9	based	base	VERB
easat-9942	333	10	regulations	regulation	NOUN
easat-9942	333	11	,	,	PUNCT
easat-9942	333	12	the	the	DET
easat-9942	333	13	national	national	ADJ
easat-9942	333	14	financial	financial	ADJ
easat-9942	333	15	system	system	NOUN
easat-9942	333	16	will	will	AUX
easat-9942	333	17	be	be	AUX
easat-9942	333	18	more	more	ADV
easat-9942	333	19	resilient	resilient	ADJ
easat-9942	333	20	in	in	ADP
easat-9942	333	21	facing	face	VERB
easat-9942	333	22	complex	complex	ADJ
easat-9942	333	23	global	global	ADJ
easat-9942	333	24	challenges	challenge	NOUN
easat-9942	333	25	.	.	PUNCT
easat-9942	334	1	the	the	DET
easat-9942	334	2	success	success	NOUN
easat-9942	334	3	of	of	ADP
easat-9942	334	4	the	the	DET
easat-9942	334	5	guarantee	guarantee	NOUN
easat-9942	334	6	system	system	NOUN
easat-9942	334	7	transformation	transformation	NOUN
easat-9942	334	8	in	in	ADP
easat-9942	334	9	the	the	DET
easat-9942	334	10	banking	banking	NOUN
easat-9942	334	11	world	world	NOUN
easat-9942	334	12	is	be	AUX
easat-9942	334	13	largely	largely	ADV
easat-9942	334	14	determined	determine	VERB
easat-9942	334	15	by	by	ADP
easat-9942	334	16	the	the	DET
easat-9942	334	17	extent	extent	NOUN
easat-9942	334	18	to	to	PART
easat-9942	334	19	which	which	PRON
easat-9942	334	20	cross	cross	ADJ
easat-9942	334	21	-	-	ADJ
easat-9942	334	22	sector	sector	ADJ
easat-9942	334	23	collaboration	collaboration	NOUN
easat-9942	334	24	can	can	AUX
easat-9942	334	25	be	be	AUX
easat-9942	334	26	realized	realize	VERB
easat-9942	334	27	in	in	ADP
easat-9942	334	28	concrete	concrete	ADJ
easat-9942	334	29	terms	term	NOUN
easat-9942	334	30	.	.	PUNCT
easat-9942	335	1	the	the	DET
easat-9942	335	2	government	government	NOUN
easat-9942	335	3	,	,	PUNCT
easat-9942	335	4	771	771	NUM
easat-9942	335	5	edelweiss	edelweiss	PROPN
easat-9942	335	6	applied	apply	VERB
easat-9942	335	7	science	science	NOUN
easat-9942	335	8	and	and	CCONJ
easat-9942	335	9	technology	technology	NOUN
easat-9942	335	10	issn	issn	PROPN
easat-9942	335	11	:	:	PUNCT
easat-9942	335	12	2576	2576	NUM
easat-9942	335	13	-	-	SYM
easat-9942	335	14	8484	8484	NUM
easat-9942	335	15	vol	vol	NOUN
easat-9942	335	16	.	.	PROPN
easat-9942	335	17	9	9	NUM
easat-9942	335	18	,	,	PUNCT
easat-9942	335	19	no	no	INTJ
easat-9942	335	20	.	.	NOUN
easat-9942	335	21	9	9	NUM
easat-9942	335	22	:	:	PUNCT
easat-9942	335	23	761	761	NUM
easat-9942	335	24	-	-	SYM
easat-9942	335	25	773	773	NUM
easat-9942	335	26	,	,	PUNCT
easat-9942	335	27	2025	2025	NUM
easat-9942	335	28	doi	doi	NOUN
easat-9942	335	29	:	:	PUNCT
easat-9942	335	30	10.55214/2576	10.55214/2576	NUM
easat-9942	335	31	-	-	PUNCT
easat-9942	335	32	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	335	33	©	©	ADP
easat-9942	335	34	2025	2025	NUM
easat-9942	335	35	by	by	ADP
easat-9942	335	36	the	the	DET
easat-9942	335	37	authors	author	NOUN
easat-9942	335	38	;	;	PUNCT
easat-9942	335	39	licensee	licensee	PROPN
easat-9942	335	40	learning	learning	NOUN
easat-9942	335	41	gate	gate	VERB
easat-9942	335	42	authoritative	authoritative	ADJ
easat-9942	335	43	institutions	institution	NOUN
easat-9942	335	44	such	such	ADJ
easat-9942	335	45	as	as	ADP
easat-9942	335	46	the	the	DET
easat-9942	335	47	ojk	ojk	NOUN
easat-9942	335	48	and	and	CCONJ
easat-9942	335	49	bank	bank	PROPN
easat-9942	335	50	indonesia	indonesia	PROPN
easat-9942	335	51	,	,	PUNCT
easat-9942	335	52	and	and	CCONJ
easat-9942	335	53	banking	banking	NOUN
easat-9942	335	54	industry	industry	NOUN
easat-9942	335	55	players	player	NOUN
easat-9942	335	56	need	need	VERB
easat-9942	335	57	to	to	PART
easat-9942	335	58	sit	sit	VERB
easat-9942	335	59	down	down	ADP
easat-9942	335	60	together	together	ADV
easat-9942	335	61	to	to	PART
easat-9942	335	62	develop	develop	VERB
easat-9942	335	63	a	a	DET
easat-9942	335	64	structured	structured	ADJ
easat-9942	335	65	and	and	CCONJ
easat-9942	335	66	progressive	progressive	ADJ
easat-9942	335	67	roadmap	roadmap	NOUN
easat-9942	335	68	.	.	PUNCT
easat-9942	336	1	not	not	PART
easat-9942	336	2	only	only	ADV
easat-9942	336	3	that	that	PRON
easat-9942	336	4	,	,	PUNCT
easat-9942	336	5	the	the	DET
easat-9942	336	6	involvement	involvement	NOUN
easat-9942	336	7	of	of	ADP
easat-9942	336	8	the	the	DET
easat-9942	336	9	academic	academic	ADJ
easat-9942	336	10	community	community	NOUN
easat-9942	336	11	and	and	CCONJ
easat-9942	336	12	legal	legal	ADJ
easat-9942	336	13	professionals	professional	NOUN
easat-9942	336	14	is	be	AUX
easat-9942	336	15	also	also	ADV
easat-9942	336	16	needed	need	VERB
easat-9942	336	17	to	to	PART
easat-9942	336	18	formulate	formulate	VERB
easat-9942	336	19	a	a	DET
easat-9942	336	20	solid	solid	ADJ
easat-9942	336	21	conceptual	conceptual	ADJ
easat-9942	336	22	and	and	CCONJ
easat-9942	336	23	technical	technical	ADJ
easat-9942	336	24	framework	framework	NOUN
easat-9942	336	25	.	.	PUNCT
easat-9942	337	1	the	the	DET
easat-9942	337	2	performance	performance	NOUN
easat-9942	337	3	guarantee	guarantee	NOUN
easat-9942	337	4	system	system	NOUN
easat-9942	337	5	,	,	PUNCT
easat-9942	337	6	in	in	ADP
easat-9942	337	7	essence	essence	NOUN
easat-9942	337	8	,	,	PUNCT
easat-9942	337	9	requires	require	VERB
easat-9942	337	10	a	a	DET
easat-9942	337	11	paradigm	paradigm	NOUN
easat-9942	337	12	shift	shift	NOUN
easat-9942	337	13	in	in	ADP
easat-9942	337	14	assessing	assess	VERB
easat-9942	337	15	risk	risk	NOUN
easat-9942	337	16	,	,	PUNCT
easat-9942	337	17	no	no	ADV
easat-9942	337	18	longer	long	ADV
easat-9942	337	19	solely	solely	ADV
easat-9942	337	20	from	from	ADP
easat-9942	337	21	a	a	DET
easat-9942	337	22	quantitative	quantitative	ADJ
easat-9942	337	23	perspective	perspective	NOUN
easat-9942	337	24	,	,	PUNCT
easat-9942	337	25	but	but	CCONJ
easat-9942	337	26	also	also	ADV
easat-9942	337	27	from	from	ADP
easat-9942	337	28	the	the	DET
easat-9942	337	29	aspects	aspect	NOUN
easat-9942	337	30	of	of	ADP
easat-9942	337	31	business	business	NOUN
easat-9942	337	32	performance	performance	NOUN
easat-9942	337	33	and	and	CCONJ
easat-9942	337	34	reliability	reliability	NOUN
easat-9942	337	35	.	.	PUNCT
easat-9942	338	1	this	this	PRON
easat-9942	338	2	marks	mark	VERB
easat-9942	338	3	a	a	DET
easat-9942	338	4	major	major	ADJ
easat-9942	338	5	shift	shift	NOUN
easat-9942	338	6	in	in	ADP
easat-9942	338	7	banking	banking	NOUN
easat-9942	338	8	practices	practice	NOUN
easat-9942	338	9	from	from	ADP
easat-9942	338	10	a	a	DET
easat-9942	338	11	transactional	transactional	ADJ
easat-9942	338	12	approach	approach	NOUN
easat-9942	338	13	to	to	ADP
easat-9942	338	14	a	a	DET
easat-9942	338	15	strategic	strategic	ADJ
easat-9942	338	16	approach	approach	NOUN
easat-9942	338	17	.	.	PUNCT
easat-9942	339	1	to	to	PART
easat-9942	339	2	support	support	VERB
easat-9942	339	3	this	this	PRON
easat-9942	339	4	,	,	PUNCT
easat-9942	339	5	the	the	DET
easat-9942	339	6	development	development	NOUN
easat-9942	339	7	of	of	ADP
easat-9942	339	8	a	a	DET
easat-9942	339	9	digital	digital	ADJ
easat-9942	339	10	performance	performance	NOUN
easat-9942	339	11	evaluation	evaluation	NOUN
easat-9942	339	12	platform	platform	NOUN
easat-9942	339	13	,	,	PUNCT
easat-9942	339	14	a	a	DET
easat-9942	339	15	quality	quality	NOUN
easat-9942	339	16	-	-	PUNCT
easat-9942	339	17	based	base	VERB
easat-9942	339	18	audit	audit	NOUN
easat-9942	339	19	system	system	NOUN
easat-9942	339	20	,	,	PUNCT
easat-9942	339	21	and	and	CCONJ
easat-9942	339	22	intensive	intensive	ADJ
easat-9942	339	23	training	training	NOUN
easat-9942	339	24	for	for	ADP
easat-9942	339	25	banking	banking	NOUN
easat-9942	339	26	human	human	ADJ
easat-9942	339	27	resources	resource	NOUN
easat-9942	339	28	are	be	AUX
easat-9942	339	29	important	important	ADJ
easat-9942	339	30	investments	investment	NOUN
easat-9942	339	31	.	.	PUNCT
easat-9942	340	1	with	with	ADP
easat-9942	340	2	the	the	DET
easat-9942	340	3	right	right	ADJ
easat-9942	340	4	strategy	strategy	NOUN
easat-9942	340	5	,	,	PUNCT
easat-9942	340	6	indonesia	indonesia	PROPN
easat-9942	340	7	has	have	VERB
easat-9942	340	8	a	a	DET
easat-9942	340	9	great	great	ADJ
easat-9942	340	10	opportunity	opportunity	NOUN
easat-9942	340	11	to	to	PART
easat-9942	340	12	not	not	PART
easat-9942	340	13	only	only	ADV
easat-9942	340	14	follow	follow	VERB
easat-9942	340	15	global	global	ADJ
easat-9942	340	16	trends	trend	NOUN
easat-9942	340	17	,	,	PUNCT
easat-9942	340	18	but	but	CCONJ
easat-9942	340	19	also	also	ADV
easat-9942	340	20	become	become	VERB
easat-9942	340	21	a	a	DET
easat-9942	340	22	leader	leader	NOUN
easat-9942	340	23	in	in	ADP
easat-9942	340	24	reforming	reform	VERB
easat-9942	340	25	a	a	DET
easat-9942	340	26	fair	fair	ADJ
easat-9942	340	27	and	and	CCONJ
easat-9942	340	28	responsive	responsive	ADJ
easat-9942	340	29	credit	credit	NOUN
easat-9942	340	30	guarantee	guarantee	NOUN
easat-9942	340	31	system	system	NOUN
easat-9942	340	32	.	.	PUNCT
easat-9942	341	1	in	in	ADP
easat-9942	341	2	an	an	DET
easat-9942	341	3	effort	effort	NOUN
easat-9942	341	4	to	to	PART
easat-9942	341	5	build	build	VERB
easat-9942	341	6	a	a	DET
easat-9942	341	7	financial	financial	ADJ
easat-9942	341	8	system	system	NOUN
easat-9942	341	9	that	that	PRON
easat-9942	341	10	is	be	AUX
easat-9942	341	11	relevant	relevant	ADJ
easat-9942	341	12	to	to	ADP
easat-9942	341	13	the	the	DET
easat-9942	341	14	digital	digital	ADJ
easat-9942	341	15	and	and	CCONJ
easat-9942	341	16	value	value	NOUN
easat-9942	341	17	-	-	PUNCT
easat-9942	341	18	based	base	VERB
easat-9942	341	19	era	era	NOUN
easat-9942	341	20	,	,	PUNCT
easat-9942	341	21	the	the	DET
easat-9942	341	22	legal	legal	ADJ
easat-9942	341	23	approach	approach	NOUN
easat-9942	341	24	must	must	AUX
easat-9942	341	25	also	also	ADV
easat-9942	341	26	evolve	evolve	VERB
easat-9942	341	27	substantially	substantially	ADV
easat-9942	341	28	.	.	PUNCT
easat-9942	342	1	the	the	DET
easat-9942	342	2	law	law	NOUN
easat-9942	342	3	is	be	AUX
easat-9942	342	4	no	no	ADV
easat-9942	342	5	longer	long	ADV
easat-9942	342	6	merely	merely	ADV
easat-9942	342	7	a	a	DET
easat-9942	342	8	normative	normative	ADJ
easat-9942	342	9	device	device	NOUN
easat-9942	342	10	,	,	PUNCT
easat-9942	342	11	but	but	CCONJ
easat-9942	342	12	must	must	AUX
easat-9942	342	13	become	become	VERB
easat-9942	342	14	an	an	DET
easat-9942	342	15	adaptive	adaptive	ADJ
easat-9942	342	16	instrument	instrument	NOUN
easat-9942	342	17	of	of	ADP
easat-9942	342	18	social	social	ADJ
easat-9942	342	19	and	and	CCONJ
easat-9942	342	20	economic	economic	ADJ
easat-9942	342	21	development	development	NOUN
easat-9942	342	22	.	.	PUNCT
easat-9942	343	1	if	if	SCONJ
easat-9942	343	2	indonesia	indonesia	PROPN
easat-9942	343	3	is	be	AUX
easat-9942	343	4	able	able	ADJ
easat-9942	343	5	to	to	PART
easat-9942	343	6	renew	renew	VERB
easat-9942	343	7	its	its	PRON
easat-9942	343	8	banking	banking	NOUN
easat-9942	343	9	legal	legal	ADJ
easat-9942	343	10	structure	structure	NOUN
easat-9942	343	11	through	through	ADP
easat-9942	343	12	revisions	revision	NOUN
easat-9942	343	13	to	to	ADP
easat-9942	343	14	laws	law	NOUN
easat-9942	343	15	and	and	CCONJ
easat-9942	343	16	other	other	ADJ
easat-9942	343	17	technical	technical	ADJ
easat-9942	343	18	regulations	regulation	NOUN
easat-9942	343	19	,	,	PUNCT
easat-9942	343	20	the	the	DET
easat-9942	343	21	potential	potential	NOUN
easat-9942	343	22	for	for	ADP
easat-9942	343	23	stagnation	stagnation	NOUN
easat-9942	343	24	can	can	AUX
easat-9942	343	25	be	be	AUX
easat-9942	343	26	avoided	avoid	VERB
easat-9942	343	27	.	.	PUNCT
easat-9942	344	1	this	this	DET
easat-9942	344	2	legal	legal	ADJ
easat-9942	344	3	reform	reform	NOUN
easat-9942	344	4	will	will	AUX
easat-9942	344	5	open	open	VERB
easat-9942	344	6	up	up	ADP
easat-9942	344	7	space	space	NOUN
easat-9942	344	8	for	for	SCONJ
easat-9942	344	9	performance	performance	NOUN
easat-9942	344	10	-	-	PUNCT
easat-9942	344	11	based	base	VERB
easat-9942	344	12	guarantee	guarantee	NOUN
easat-9942	344	13	systems	system	NOUN
easat-9942	344	14	to	to	PART
easat-9942	344	15	grow	grow	VERB
easat-9942	344	16	and	and	CCONJ
easat-9942	344	17	play	play	VERB
easat-9942	344	18	a	a	DET
easat-9942	344	19	central	central	ADJ
easat-9942	344	20	role	role	NOUN
easat-9942	344	21	in	in	ADP
easat-9942	344	22	improving	improve	VERB
easat-9942	344	23	financial	financial	ADJ
easat-9942	344	24	intermediation	intermediation	NOUN
easat-9942	344	25	functions	function	NOUN
easat-9942	344	26	.	.	PUNCT
easat-9942	345	1	this	this	PRON
easat-9942	345	2	strengthens	strengthen	VERB
easat-9942	345	3	the	the	DET
easat-9942	345	4	role	role	NOUN
easat-9942	345	5	of	of	ADP
easat-9942	345	6	law	law	NOUN
easat-9942	345	7	as	as	ADP
easat-9942	345	8	a	a	DET
easat-9942	345	9	driving	drive	VERB
easat-9942	345	10	force	force	NOUN
easat-9942	345	11	,	,	PUNCT
easat-9942	345	12	not	not	PART
easat-9942	345	13	merely	merely	ADV
easat-9942	345	14	a	a	DET
easat-9942	345	15	protector	protector	NOUN
easat-9942	345	16	of	of	ADP
easat-9942	345	17	the	the	DET
easat-9942	345	18	status	status	NOUN
easat-9942	345	19	quo	quo	NOUN
easat-9942	345	20	.	.	PUNCT
easat-9942	346	1	this	this	PRON
easat-9942	346	2	is	be	AUX
easat-9942	346	3	where	where	SCONJ
easat-9942	346	4	the	the	DET
easat-9942	346	5	importance	importance	NOUN
easat-9942	346	6	of	of	ADP
easat-9942	346	7	progressive	progressive	ADJ
easat-9942	346	8	laws	law	NOUN
easat-9942	346	9	that	that	PRON
easat-9942	346	10	are	be	AUX
easat-9942	346	11	able	able	ADJ
easat-9942	346	12	to	to	PART
easat-9942	346	13	respond	respond	VERB
easat-9942	346	14	to	to	ADP
easat-9942	346	15	the	the	DET
easat-9942	346	16	complexities	complexity	NOUN
easat-9942	346	17	of	of	ADP
easat-9942	346	18	the	the	DET
easat-9942	346	19	times	time	NOUN
easat-9942	346	20	without	without	ADP
easat-9942	346	21	losing	lose	VERB
easat-9942	346	22	their	their	PRON
easat-9942	346	23	legal	legal	ADJ
easat-9942	346	24	integrity	integrity	NOUN
easat-9942	346	25	lies	lie	VERB
easat-9942	346	26	.	.	PUNCT
easat-9942	347	1	the	the	DET
easat-9942	347	2	implementation	implementation	NOUN
easat-9942	347	3	of	of	ADP
easat-9942	347	4	a	a	DET
easat-9942	347	5	performance	performance	NOUN
easat-9942	347	6	guarantee	guarantee	NOUN
easat-9942	347	7	system	system	NOUN
easat-9942	347	8	,	,	PUNCT
easat-9942	347	9	if	if	SCONJ
easat-9942	347	10	accompanied	accompany	VERB
easat-9942	347	11	by	by	ADP
easat-9942	347	12	political	political	ADJ
easat-9942	347	13	will	will	NOUN
easat-9942	347	14	and	and	CCONJ
easat-9942	347	15	strong	strong	ADJ
easat-9942	347	16	institutional	institutional	ADJ
easat-9942	347	17	capacity	capacity	NOUN
easat-9942	347	18	,	,	PUNCT
easat-9942	347	19	will	will	AUX
easat-9942	347	20	strengthen	strengthen	VERB
easat-9942	347	21	the	the	DET
easat-9942	347	22	national	national	ADJ
easat-9942	347	23	financial	financial	ADJ
easat-9942	347	24	structure	structure	NOUN
easat-9942	347	25	from	from	ADP
easat-9942	347	26	its	its	PRON
easat-9942	347	27	foundations	foundation	NOUN
easat-9942	347	28	.	.	PUNCT
easat-9942	348	1	a	a	DET
easat-9942	348	2	great	great	ADJ
easat-9942	348	3	nation	nation	NOUN
easat-9942	348	4	is	be	AUX
easat-9942	348	5	one	one	NUM
easat-9942	348	6	that	that	PRON
easat-9942	348	7	dares	dare	VERB
easat-9942	348	8	to	to	PART
easat-9942	348	9	change	change	VERB
easat-9942	348	10	course	course	NOUN
easat-9942	348	11	when	when	SCONJ
easat-9942	348	12	the	the	DET
easat-9942	348	13	old	old	ADJ
easat-9942	348	14	direction	direction	NOUN
easat-9942	348	15	is	be	AUX
easat-9942	348	16	no	no	ADV
easat-9942	348	17	longer	long	ADV
easat-9942	348	18	in	in	ADP
easat-9942	348	19	line	line	NOUN
easat-9942	348	20	with	with	ADP
easat-9942	348	21	the	the	DET
easat-9942	348	22	realities	reality	NOUN
easat-9942	348	23	of	of	ADP
easat-9942	348	24	the	the	DET
easat-9942	348	25	times	time	NOUN
easat-9942	348	26	.	.	PUNCT
easat-9942	349	1	in	in	ADP
easat-9942	349	2	the	the	DET
easat-9942	349	3	face	face	NOUN
easat-9942	349	4	of	of	ADP
easat-9942	349	5	increasingly	increasingly	ADV
easat-9942	349	6	uncertain	uncertain	ADJ
easat-9942	349	7	global	global	ADJ
easat-9942	349	8	challenges	challenge	NOUN
easat-9942	349	9	,	,	PUNCT
easat-9942	349	10	the	the	DET
easat-9942	349	11	resilience	resilience	NOUN
easat-9942	349	12	of	of	ADP
easat-9942	349	13	the	the	DET
easat-9942	349	14	national	national	ADJ
easat-9942	349	15	financial	financial	ADJ
easat-9942	349	16	system	system	NOUN
easat-9942	349	17	can	can	AUX
easat-9942	349	18	only	only	ADV
easat-9942	349	19	be	be	AUX
easat-9942	349	20	achieved	achieve	VERB
easat-9942	349	21	through	through	ADP
easat-9942	349	22	bold	bold	ADJ
easat-9942	349	23	and	and	CCONJ
easat-9942	349	24	visionary	visionary	ADJ
easat-9942	349	25	regulatory	regulatory	ADJ
easat-9942	349	26	and	and	CCONJ
easat-9942	349	27	institutional	institutional	ADJ
easat-9942	349	28	breakthroughs	breakthrough	NOUN
easat-9942	349	29	.	.	PUNCT
easat-9942	350	1	the	the	DET
easat-9942	350	2	performance	performance	NOUN
easat-9942	350	3	guarantee	guarantee	NOUN
easat-9942	350	4	system	system	NOUN
easat-9942	350	5	offers	offer	VERB
easat-9942	350	6	a	a	DET
easat-9942	350	7	more	more	ADV
easat-9942	350	8	future	future	ADJ
easat-9942	350	9	-	-	PUNCT
easat-9942	350	10	oriented	orient	VERB
easat-9942	350	11	framework	framework	NOUN
easat-9942	350	12	because	because	SCONJ
easat-9942	350	13	it	it	PRON
easat-9942	350	14	aligns	align	VERB
easat-9942	350	15	the	the	DET
easat-9942	350	16	values	value	NOUN
easat-9942	350	17	of	of	ADP
easat-9942	350	18	trust	trust	NOUN
easat-9942	350	19	,	,	PUNCT
easat-9942	350	20	transparency	transparency	NOUN
easat-9942	350	21	,	,	PUNCT
easat-9942	350	22	and	and	CCONJ
easat-9942	350	23	accountability	accountability	NOUN
easat-9942	350	24	in	in	ADP
easat-9942	350	25	one	one	NUM
easat-9942	350	26	policy	policy	NOUN
easat-9942	350	27	package	package	NOUN
easat-9942	350	28	.	.	PUNCT
easat-9942	351	1	with	with	ADP
easat-9942	351	2	this	this	DET
easat-9942	351	3	approach	approach	NOUN
easat-9942	351	4	,	,	PUNCT
easat-9942	351	5	the	the	DET
easat-9942	351	6	relationship	relationship	NOUN
easat-9942	351	7	between	between	ADP
easat-9942	351	8	banks	bank	NOUN
easat-9942	351	9	and	and	CCONJ
easat-9942	351	10	customers	customer	NOUN
easat-9942	351	11	becomes	become	VERB
easat-9942	351	12	healthier	healthy	ADJ
easat-9942	351	13	,	,	PUNCT
easat-9942	351	14	mutually	mutually	ADV
easat-9942	351	15	supportive	supportive	ADJ
easat-9942	351	16	,	,	PUNCT
easat-9942	351	17	and	and	CCONJ
easat-9942	351	18	mutually	mutually	ADV
easat-9942	351	19	beneficial	beneficial	ADJ
easat-9942	351	20	.	.	PUNCT
easat-9942	352	1	not	not	PART
easat-9942	352	2	only	only	ADV
easat-9942	352	3	is	be	AUX
easat-9942	352	4	financial	financial	ADJ
easat-9942	352	5	stability	stability	NOUN
easat-9942	352	6	maintained	maintain	VERB
easat-9942	352	7	,	,	PUNCT
easat-9942	352	8	but	but	CCONJ
easat-9942	352	9	an	an	DET
easat-9942	352	10	inclusive	inclusive	ADJ
easat-9942	352	11	and	and	CCONJ
easat-9942	352	12	dynamic	dynamic	ADJ
easat-9942	352	13	business	business	NOUN
easat-9942	352	14	climate	climate	NOUN
easat-9942	352	15	is	be	AUX
easat-9942	352	16	also	also	ADV
easat-9942	352	17	created	create	VERB
easat-9942	352	18	.	.	PUNCT
easat-9942	353	1	now	now	ADV
easat-9942	353	2	is	be	AUX
easat-9942	353	3	the	the	DET
easat-9942	353	4	time	time	NOUN
easat-9942	353	5	for	for	SCONJ
easat-9942	353	6	indonesia	indonesia	PROPN
easat-9942	353	7	to	to	PART
easat-9942	353	8	take	take	VERB
easat-9942	353	9	on	on	ADP
easat-9942	353	10	the	the	DET
easat-9942	353	11	role	role	NOUN
easat-9942	353	12	of	of	ADP
easat-9942	353	13	leader	leader	NOUN
easat-9942	353	14	in	in	ADP
easat-9942	353	15	valueand	valueand	ADJ
easat-9942	353	16	performance	performance	NOUN
easat-9942	353	17	-	-	PUNCT
easat-9942	353	18	based	base	VERB
easat-9942	353	19	financial	financial	ADJ
easat-9942	353	20	reform	reform	NOUN
easat-9942	353	21	,	,	PUNCT
easat-9942	353	22	rather	rather	ADV
easat-9942	353	23	than	than	ADP
easat-9942	353	24	merely	merely	ADV
easat-9942	353	25	following	follow	VERB
easat-9942	353	26	trends	trend	NOUN
easat-9942	353	27	.	.	PUNCT
easat-9942	354	1	this	this	DET
easat-9942	354	2	momentum	momentum	NOUN
easat-9942	354	3	must	must	AUX
easat-9942	354	4	not	not	PART
easat-9942	354	5	be	be	AUX
easat-9942	354	6	wasted	waste	VERB
easat-9942	354	7	,	,	PUNCT
easat-9942	354	8	because	because	SCONJ
easat-9942	354	9	the	the	DET
easat-9942	354	10	future	future	NOUN
easat-9942	354	11	of	of	ADP
easat-9942	354	12	the	the	DET
easat-9942	354	13	nation	nation	NOUN
easat-9942	354	14	's	's	PART
easat-9942	354	15	economy	economy	NOUN
easat-9942	354	16	depends	depend	VERB
easat-9942	354	17	on	on	ADP
easat-9942	354	18	the	the	DET
easat-9942	354	19	courage	courage	NOUN
easat-9942	354	20	to	to	PART
easat-9942	354	21	take	take	VERB
easat-9942	354	22	action	action	NOUN
easat-9942	354	23	now	now	ADV
easat-9942	354	24	.	.	PUNCT
easat-9942	355	1	transparency	transparency	NOUN
easat-9942	355	2	:	:	PUNCT
easat-9942	355	3	the	the	DET
easat-9942	355	4	authors	author	NOUN
easat-9942	355	5	confirm	confirm	VERB
easat-9942	355	6	that	that	SCONJ
easat-9942	355	7	the	the	DET
easat-9942	355	8	manuscript	manuscript	NOUN
easat-9942	355	9	is	be	AUX
easat-9942	355	10	an	an	DET
easat-9942	355	11	honest	honest	ADJ
easat-9942	355	12	,	,	PUNCT
easat-9942	355	13	accurate	accurate	ADJ
easat-9942	355	14	,	,	PUNCT
easat-9942	355	15	and	and	CCONJ
easat-9942	355	16	transparent	transparent	ADJ
easat-9942	355	17	account	account	NOUN
easat-9942	355	18	of	of	ADP
easat-9942	355	19	the	the	DET
easat-9942	355	20	study	study	NOUN
easat-9942	355	21	;	;	PUNCT
easat-9942	355	22	that	that	SCONJ
easat-9942	355	23	no	no	DET
easat-9942	355	24	vital	vital	ADJ
easat-9942	355	25	features	feature	NOUN
easat-9942	355	26	of	of	ADP
easat-9942	355	27	the	the	DET
easat-9942	355	28	study	study	NOUN
easat-9942	355	29	have	have	AUX
easat-9942	355	30	been	be	AUX
easat-9942	355	31	omitted	omit	VERB
easat-9942	355	32	;	;	PUNCT
easat-9942	355	33	and	and	CCONJ
easat-9942	355	34	that	that	SCONJ
easat-9942	355	35	any	any	DET
easat-9942	355	36	discrepancies	discrepancy	NOUN
easat-9942	355	37	from	from	ADP
easat-9942	355	38	the	the	DET
easat-9942	355	39	study	study	NOUN
easat-9942	355	40	as	as	SCONJ
easat-9942	355	41	planned	plan	VERB
easat-9942	355	42	have	have	AUX
easat-9942	355	43	been	be	AUX
easat-9942	355	44	explained	explain	VERB
easat-9942	355	45	.	.	PUNCT
easat-9942	356	1	this	this	DET
easat-9942	356	2	study	study	NOUN
easat-9942	356	3	followed	follow	VERB
easat-9942	356	4	all	all	DET
easat-9942	356	5	ethical	ethical	ADJ
easat-9942	356	6	practices	practice	NOUN
easat-9942	356	7	during	during	ADP
easat-9942	356	8	writing	writing	NOUN
easat-9942	356	9	.	.	PUNCT
easat-9942	357	1	copyright	copyright	NOUN
easat-9942	357	2	:	:	PUNCT
easat-9942	357	3	©	©	PROPN
easat-9942	357	4	2025	2025	NUM
easat-9942	357	5	by	by	ADP
easat-9942	357	6	the	the	DET
easat-9942	357	7	authors	author	NOUN
easat-9942	357	8	.	.	PUNCT
easat-9942	358	1	this	this	DET
easat-9942	358	2	open	open	ADJ
easat-9942	358	3	-	-	PUNCT
easat-9942	358	4	access	access	NOUN
easat-9942	358	5	article	article	NOUN
easat-9942	358	6	is	be	AUX
easat-9942	358	7	distributed	distribute	VERB
easat-9942	358	8	under	under	ADP
easat-9942	358	9	the	the	DET
easat-9942	358	10	terms	term	NOUN
easat-9942	358	11	and	and	CCONJ
easat-9942	358	12	conditions	condition	NOUN
easat-9942	358	13	of	of	ADP
easat-9942	358	14	the	the	DET
easat-9942	358	15	creative	creative	ADJ
easat-9942	358	16	commons	common	NOUN
easat-9942	358	17	attribution	attribution	NOUN
easat-9942	358	18	(	(	PUNCT
easat-9942	358	19	cc	cc	NOUN
easat-9942	358	20	by	by	ADP
easat-9942	358	21	)	)	PUNCT
easat-9942	358	22	license	license	NOUN
easat-9942	358	23	(	(	PUNCT
easat-9942	358	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9942	358	25	)	)	PUNCT
easat-9942	358	26	.	.	PUNCT
easat-9942	359	1	references	reference	NOUN
easat-9942	359	2	[	[	X
easat-9942	359	3	1	1	NUM
easat-9942	359	4	]	]	X
easat-9942	359	5	fsb	fsb	NOUN
easat-9942	359	6	(	(	PUNCT
easat-9942	359	7	financial	financial	ADJ
easat-9942	359	8	stability	stability	NOUN
easat-9942	359	9	board	board	PROPN
easat-9942	359	10	)	)	PUNCT
easat-9942	359	11	,	,	PUNCT
easat-9942	359	12	global	global	ADJ
easat-9942	359	13	shadow	shadow	NOUN
easat-9942	359	14	banking	banking	NOUN
easat-9942	359	15	monitoring	monitoring	NOUN
easat-9942	359	16	report	report	NOUN
easat-9942	359	17	.	.	PUNCT
easat-9942	360	1	basel	basel	PROPN
easat-9942	360	2	:	:	PUNCT
easat-9942	360	3	financial	financial	ADJ
easat-9942	360	4	stability	stability	PROPN
easat-9942	360	5	board	board	NOUN
easat-9942	360	6	,	,	PUNCT
easat-9942	360	7	2017	2017	NUM
easat-9942	360	8	.	.	PUNCT
easat-9942	361	1	[	[	X
easat-9942	361	2	2	2	NUM
easat-9942	361	3	]	]	PUNCT
easat-9942	361	4	law	law	NOUN
easat-9942	361	5	number	number	NOUN
easat-9942	361	6	10	10	NUM
easat-9942	361	7	of	of	ADP
easat-9942	361	8	,	,	PUNCT
easat-9942	361	9	"	"	PUNCT
easat-9942	361	10	state	state	NOUN
easat-9942	361	11	gazette	gazette	NOUN
easat-9942	361	12	of	of	ADP
easat-9942	361	13	the	the	DET
easat-9942	361	14	republic	republic	NOUN
easat-9942	361	15	of	of	ADP
easat-9942	361	16	indonesia	indonesia	PROPN
easat-9942	361	17	of	of	ADP
easat-9942	361	18	1998	1998	NUM
easat-9942	361	19	number	number	NOUN
easat-9942	361	20	182	182	NUM
easat-9942	361	21	,	,	PUNCT
easat-9942	361	22	"	"	PUNCT
easat-9942	361	23	law	law	NOUN
easat-9942	361	24	number	number	NOUN
easat-9942	361	25	10	10	NUM
easat-9942	361	26	of	of	ADP
easat-9942	361	27	1998	1998	NUM
easat-9942	361	28	concerning	concern	VERB
easat-9942	361	29	amendments	amendment	NOUN
easat-9942	361	30	to	to	PART
easat-9942	361	31	law	law	NOUN
easat-9942	361	32	number	number	NOUN
easat-9942	361	33	7	7	NUM
easat-9942	361	34	of	of	ADP
easat-9942	361	35	1992	1992	NUM
easat-9942	361	36	concerning	concern	VERB
easat-9942	361	37	banking	banking	NOUN
easat-9942	361	38	,	,	PUNCT
easat-9942	361	39	1998	1998	NUM
easat-9942	361	40	.	.	PUNCT
easat-9942	362	1	[	[	X
easat-9942	362	2	3	3	X
easat-9942	362	3	]	]	X
easat-9942	362	4	d.	d.	PROPN
easat-9942	362	5	w.	w.	PROPN
easat-9942	362	6	arner	arner	PROPN
easat-9942	362	7	,	,	PUNCT
easat-9942	362	8	j.	j.	PROPN
easat-9942	362	9	barberis	barberis	PROPN
easat-9942	362	10	,	,	PUNCT
easat-9942	362	11	and	and	CCONJ
easat-9942	362	12	r.	r.	PROPN
easat-9942	362	13	p.	p.	PROPN
easat-9942	362	14	buckley	buckley	PROPN
easat-9942	362	15	,	,	PUNCT
easat-9942	362	16	"	"	PUNCT
easat-9942	362	17	the	the	DET
easat-9942	362	18	evolution	evolution	NOUN
easat-9942	362	19	of	of	ADP
easat-9942	362	20	fintech	fintech	NOUN
easat-9942	362	21	:	:	PUNCT
easat-9942	362	22	a	a	DET
easat-9942	362	23	new	new	ADJ
easat-9942	362	24	post	post	ADJ
easat-9942	362	25	-	-	ADJ
easat-9942	362	26	crisis	crisis	NOUN
easat-9942	362	27	paradigm	paradigm	NOUN
easat-9942	362	28	,	,	PUNCT
easat-9942	362	29	"	"	PUNCT
easat-9942	362	30	georgetown	georgetown	PROPN
easat-9942	362	31	journal	journal	PROPN
easat-9942	362	32	of	of	ADP
easat-9942	362	33	international	international	ADJ
easat-9942	362	34	law	law	NOUN
easat-9942	362	35	,	,	PUNCT
easat-9942	362	36	vol	vol	NOUN
easat-9942	362	37	.	.	PROPN
easat-9942	363	1	47	47	NUM
easat-9942	363	2	,	,	PUNCT
easat-9942	363	3	no	no	INTJ
easat-9942	363	4	.	.	NOUN
easat-9942	363	5	4	4	NUM
easat-9942	363	6	,	,	PUNCT
easat-9942	363	7	pp	pp	ADJ
easat-9942	363	8	.	.	PUNCT
easat-9942	364	1	1271	1271	NUM
easat-9942	364	2	-	-	SYM
easat-9942	364	3	1319	1319	NUM
easat-9942	364	4	,	,	PUNCT
easat-9942	364	5	2015	2015	NUM
easat-9942	364	6	.	.	PUNCT
easat-9942	365	1	https://doi.org/10.2139/ssrn.2676553	https://doi.org/10.2139/ssrn.2676553	X
easat-9942	366	1	[	[	X
easat-9942	366	2	4	4	NUM
easat-9942	366	3	]	]	X
easat-9942	366	4	h.	h.	PROPN
easat-9942	366	5	khan	khan	PROPN
easat-9942	366	6	and	and	CCONJ
easat-9942	366	7	s.	s.	PROPN
easat-9942	366	8	ahmed	ahmed	PROPN
easat-9942	366	9	,	,	PUNCT
easat-9942	366	10	"	"	PUNCT
easat-9942	366	11	performance	performance	NOUN
easat-9942	366	12	-	-	PUNCT
easat-9942	366	13	based	base	VERB
easat-9942	366	14	lending	lending	NOUN
easat-9942	366	15	:	:	PUNCT
easat-9942	366	16	a	a	DET
easat-9942	366	17	modern	modern	ADJ
easat-9942	366	18	paradigm	paradigm	NOUN
easat-9942	366	19	in	in	ADP
easat-9942	366	20	credit	credit	NOUN
easat-9942	366	21	evaluation	evaluation	NOUN
easat-9942	366	22	,	,	PUNCT
easat-9942	366	23	"	"	PUNCT
easat-9942	366	24	international	international	ADJ
easat-9942	366	25	journal	journal	NOUN
easat-9942	366	26	of	of	ADP
easat-9942	366	27	banking	banking	NOUN
easat-9942	366	28	and	and	CCONJ
easat-9942	366	29	finance	finance	NOUN
easat-9942	366	30	,	,	PUNCT
easat-9942	366	31	vol	vol	NOUN
easat-9942	366	32	.	.	PROPN
easat-9942	366	33	15	15	NUM
easat-9942	366	34	,	,	PUNCT
easat-9942	366	35	no	no	INTJ
easat-9942	366	36	.	.	NOUN
easat-9942	366	37	1	1	NUM
easat-9942	366	38	,	,	PUNCT
easat-9942	366	39	pp	pp	ADJ
easat-9942	366	40	.	.	PUNCT
easat-9942	367	1	89–101	89–101	NUM
easat-9942	367	2	,	,	PUNCT
easat-9942	367	3	2019	2019	NUM
easat-9942	367	4	.	.	PUNCT
easat-9942	368	1	[	[	X
easat-9942	368	2	5	5	NUM
easat-9942	368	3	]	]	X
easat-9942	368	4	bank	bank	NOUN
easat-9942	368	5	indonesia	indonesia	PROPN
easat-9942	368	6	,	,	PUNCT
easat-9942	368	7	financial	financial	ADJ
easat-9942	368	8	stability	stability	NOUN
easat-9942	368	9	review	review	VERB
easat-9942	368	10	no	no	INTJ
easat-9942	368	11	.	.	PROPN
easat-9942	368	12	36	36	NUM
easat-9942	368	13	,	,	PUNCT
easat-9942	368	14	march	march	PROPN
easat-9942	368	15	2020	2020	NUM
easat-9942	368	16	.	.	PUNCT
easat-9942	369	1	jakarta	jakarta	PROPN
easat-9942	369	2	:	:	PUNCT
easat-9942	369	3	bank	bank	PROPN
easat-9942	369	4	indonesia	indonesia	PROPN
easat-9942	369	5	,	,	PUNCT
easat-9942	369	6	2020	2020	NUM
easat-9942	369	7	.	.	PUNCT
easat-9942	370	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9942	370	2	https://doi.org/10.2139/ssrn.2676553	https://doi.org/10.2139/ssrn.2676553	PROPN
easat-9942	370	3	772	772	PROPN
easat-9942	370	4	edelweiss	edelweiss	PROPN
easat-9942	370	5	applied	apply	VERB
easat-9942	370	6	science	science	NOUN
easat-9942	370	7	and	and	CCONJ
easat-9942	370	8	technology	technology	NOUN
easat-9942	370	9	issn	issn	PROPN
easat-9942	370	10	:	:	PUNCT
easat-9942	370	11	2576	2576	NUM
easat-9942	370	12	-	-	SYM
easat-9942	370	13	8484	8484	NUM
easat-9942	370	14	vol	vol	NOUN
easat-9942	370	15	.	.	PROPN
easat-9942	371	1	9	9	NUM
easat-9942	371	2	,	,	PUNCT
easat-9942	371	3	no	no	INTJ
easat-9942	371	4	.	.	NOUN
easat-9942	371	5	9	9	NUM
easat-9942	371	6	:	:	PUNCT
easat-9942	371	7	761	761	NUM
easat-9942	371	8	-	-	SYM
easat-9942	371	9	773	773	NUM
easat-9942	371	10	,	,	PUNCT
easat-9942	371	11	2025	2025	NUM
easat-9942	371	12	doi	doi	NOUN
easat-9942	371	13	:	:	PUNCT
easat-9942	371	14	10.55214/2576	10.55214/2576	NUM
easat-9942	371	15	-	-	PUNCT
easat-9942	371	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	371	17	©	©	ADP
easat-9942	371	18	2025	2025	NUM
easat-9942	371	19	by	by	ADP
easat-9942	371	20	the	the	DET
easat-9942	371	21	authors	author	NOUN
easat-9942	371	22	;	;	PUNCT
easat-9942	371	23	licensee	licensee	PROPN
easat-9942	371	24	learning	learning	NOUN
easat-9942	371	25	gate	gate	NOUN
easat-9942	372	1	[	[	X
easat-9942	372	2	6	6	NUM
easat-9942	372	3	]	]	PUNCT
easat-9942	372	4	law	law	NOUN
easat-9942	372	5	no	no	NOUN
easat-9942	372	6	.	.	NOUN
easat-9942	372	7	4	4	NUM
easat-9942	372	8	of	of	ADP
easat-9942	372	9	2023	2023	NUM
easat-9942	372	10	concerning	concern	VERB
easat-9942	372	11	the	the	DET
easat-9942	372	12	development	development	NOUN
easat-9942	372	13	and	and	CCONJ
easat-9942	372	14	strengthening	strengthening	NOUN
easat-9942	372	15	of	of	ADP
easat-9942	372	16	the	the	DET
easat-9942	372	17	financial	financial	ADJ
easat-9942	372	18	sector	sector	NOUN
easat-9942	372	19	(	(	PUNCT
easat-9942	372	20	ppsk	ppsk	NOUN
easat-9942	372	21	law	law	NOUN
easat-9942	372	22	)	)	PUNCT
easat-9942	372	23	,	,	PUNCT
easat-9942	372	24	"	"	PUNCT
easat-9942	372	25	state	state	NOUN
easat-9942	372	26	gazette	gazette	NOUN
easat-9942	372	27	of	of	ADP
easat-9942	372	28	the	the	DET
easat-9942	372	29	republic	republic	NOUN
easat-9942	372	30	of	of	ADP
easat-9942	372	31	indonesia	indonesia	PROPN
easat-9942	372	32	,	,	PUNCT
easat-9942	372	33	"	"	PUNCT
easat-9942	372	34	law	law	NOUN
easat-9942	372	35	no	no	NOUN
easat-9942	372	36	.	.	NOUN
easat-9942	372	37	4	4	NUM
easat-9942	372	38	of	of	ADP
easat-9942	372	39	2023	2023	NUM
easat-9942	372	40	concerning	concern	VERB
easat-9942	372	41	the	the	DET
easat-9942	372	42	development	development	NOUN
easat-9942	372	43	and	and	CCONJ
easat-9942	372	44	strengthening	strengthening	NOUN
easat-9942	372	45	of	of	ADP
easat-9942	372	46	the	the	DET
easat-9942	372	47	financial	financial	ADJ
easat-9942	372	48	sector	sector	NOUN
easat-9942	372	49	(	(	PUNCT
easat-9942	372	50	ppsk	ppsk	NOUN
easat-9942	372	51	law	law	NOUN
easat-9942	372	52	)	)	PUNCT
easat-9942	372	53	,	,	PUNCT
easat-9942	372	54	2023	2023	NUM
easat-9942	372	55	.	.	PUNCT
easat-9942	373	1	[	[	X
easat-9942	373	2	7	7	X
easat-9942	373	3	]	]	X
easat-9942	373	4	m.	m.	NOUN
easat-9942	373	5	kusumaatmadja	kusumaatmadja	PROPN
easat-9942	373	6	,	,	PUNCT
easat-9942	373	7	the	the	DET
easat-9942	373	8	concept	concept	NOUN
easat-9942	373	9	of	of	ADP
easat-9942	373	10	the	the	DET
easat-9942	373	11	rule	rule	NOUN
easat-9942	373	12	of	of	ADP
easat-9942	373	13	law	law	NOUN
easat-9942	373	14	in	in	ADP
easat-9942	373	15	the	the	DET
easat-9942	373	16	era	era	NOUN
easat-9942	373	17	of	of	ADP
easat-9942	373	18	globalization	globalization	NOUN
easat-9942	373	19	.	.	PUNCT
easat-9942	374	1	bandung	bandung	NOUN
easat-9942	374	2	:	:	PUNCT
easat-9942	374	3	alumni	alumnus	NOUN
easat-9942	374	4	,	,	PUNCT
easat-9942	374	5	2002	2002	NUM
easat-9942	374	6	.	.	PUNCT
easat-9942	375	1	[	[	X
easat-9942	375	2	8	8	NUM
easat-9942	375	3	]	]	X
easat-9942	375	4	international	international	ADJ
easat-9942	375	5	finance	finance	NOUN
easat-9942	375	6	corporation	corporation	NOUN
easat-9942	375	7	,	,	PUNCT
easat-9942	375	8	collateral	collateral	ADJ
easat-9942	375	9	registries	registry	NOUN
easat-9942	375	10	for	for	ADP
easat-9942	375	11	movable	movable	ADJ
easat-9942	375	12	assets	asset	NOUN
easat-9942	375	13	:	:	PUNCT
easat-9942	375	14	leveraging	leverage	VERB
easat-9942	375	15	asset	asset	NOUN
easat-9942	375	16	-	-	PUNCT
easat-9942	375	17	based	base	VERB
easat-9942	375	18	lending	lending	NOUN
easat-9942	375	19	for	for	ADP
easat-9942	375	20	sme	sme	NOUN
easat-9942	375	21	growth	growth	NOUN
easat-9942	375	22	.	.	PUNCT
easat-9942	376	1	washington	washington	PROPN
easat-9942	376	2	d.c	d.c	PROPN
easat-9942	376	3	:	:	PUNCT
easat-9942	376	4	world	world	PROPN
easat-9942	376	5	bank	bank	PROPN
easat-9942	376	6	group	group	NOUN
easat-9942	376	7	,	,	PUNCT
easat-9942	376	8	2016	2016	NUM
easat-9942	376	9	.	.	PUNCT
easat-9942	377	1	[	[	X
easat-9942	377	2	9	9	NUM
easat-9942	377	3	]	]	PUNCT
easat-9942	377	4	ojk	ojk	NOUN
easat-9942	377	5	(	(	PUNCT
easat-9942	377	6	financial	financial	ADJ
easat-9942	377	7	services	service	NOUN
easat-9942	377	8	authority	authority	NOUN
easat-9942	377	9	)	)	PUNCT
easat-9942	377	10	,	,	PUNCT
easat-9942	377	11	indonesian	indonesian	ADJ
easat-9942	377	12	banking	banking	NOUN
easat-9942	377	13	statistics	statistic	NOUN
easat-9942	377	14	2021	2021	NUM
easat-9942	377	15	.	.	PUNCT
easat-9942	378	1	jakarta	jakarta	PROPN
easat-9942	378	2	:	:	PUNCT
easat-9942	378	3	ojk	ojk	NOUN
easat-9942	378	4	,	,	PUNCT
easat-9942	378	5	2021	2021	NUM
easat-9942	378	6	.	.	PUNCT
easat-9942	379	1	[	[	X
easat-9942	379	2	10	10	NUM
easat-9942	379	3	]	]	X
easat-9942	379	4	n.	n.	NOUN
easat-9942	379	5	rohmah	rohmah	PROPN
easat-9942	379	6	,	,	PUNCT
easat-9942	379	7	"	"	PUNCT
easat-9942	379	8	the	the	DET
easat-9942	379	9	role	role	NOUN
easat-9942	379	10	of	of	ADP
easat-9942	379	11	collateral	collateral	NOUN
easat-9942	379	12	in	in	ADP
easat-9942	379	13	bank	bank	NOUN
easat-9942	379	14	credit	credit	NOUN
easat-9942	379	15	agreements	agreement	NOUN
easat-9942	379	16	:	:	PUNCT
easat-9942	379	17	legal	legal	ADJ
easat-9942	379	18	and	and	CCONJ
easat-9942	379	19	economic	economic	ADJ
easat-9942	379	20	perspectives	perspective	NOUN
easat-9942	379	21	,	,	PUNCT
easat-9942	379	22	"	"	PUNCT
easat-9942	379	23	journal	journal	NOUN
easat-9942	379	24	of	of	ADP
easat-9942	379	25	law	law	NOUN
easat-9942	379	26	,	,	PUNCT
easat-9942	379	27	vol	vol	NOUN
easat-9942	379	28	.	.	PROPN
easat-9942	379	29	17	17	NUM
easat-9942	379	30	,	,	PUNCT
easat-9942	379	31	no	no	INTJ
easat-9942	379	32	.	.	NOUN
easat-9942	379	33	1	1	NUM
easat-9942	379	34	,	,	PUNCT
easat-9942	379	35	pp	pp	ADJ
easat-9942	379	36	.	.	PUNCT
easat-9942	380	1	33–49	33–49	NUM
easat-9942	380	2	,	,	PUNCT
easat-9942	380	3	2020	2020	NUM
easat-9942	380	4	.	.	PUNCT
easat-9942	381	1	[	[	X
easat-9942	381	2	11	11	NUM
easat-9942	381	3	]	]	X
easat-9942	381	4	kasmir	kasmir	PROPN
easat-9942	381	5	,	,	PUNCT
easat-9942	381	6	banking	banking	NOUN
easat-9942	381	7	management	management	NOUN
easat-9942	381	8	revised	revise	VERB
easat-9942	381	9	edition	edition	NOUN
easat-9942	381	10	.	.	PUNCT
easat-9942	382	1	jakarta	jakarta	PROPN
easat-9942	382	2	:	:	PUNCT
easat-9942	382	3	rajagrafindo	rajagrafindo	PROPN
easat-9942	382	4	persada	persada	PROPN
easat-9942	382	5	,	,	PUNCT
easat-9942	382	6	2014	2014	NUM
easat-9942	382	7	.	.	PUNCT
easat-9942	383	1	[	[	X
easat-9942	383	2	12	12	NUM
easat-9942	383	3	]	]	X
easat-9942	383	4	aristotle	aristotle	PROPN
easat-9942	383	5	,	,	PUNCT
easat-9942	383	6	nicomachean	nicomachean	ADJ
easat-9942	383	7	ethics	ethic	NOUN
easat-9942	383	8	translated	translate	VERB
easat-9942	383	9	by	by	ADP
easat-9942	383	10	p.	p.	PROPN
easat-9942	383	11	hardono	hardono	PROPN
easat-9942	383	12	hadi	hadi	PROPN
easat-9942	383	13	.	.	PUNCT
easat-9942	384	1	yogyakarta	yogyakarta	PROPN
easat-9942	384	2	:	:	PUNCT
easat-9942	384	3	pustaka	pustaka	ADJ
easat-9942	384	4	pelajar	pelajar	NOUN
easat-9942	384	5	,	,	PUNCT
easat-9942	384	6	2004	2004	NUM
easat-9942	384	7	.	.	PUNCT
easat-9942	385	1	[	[	X
easat-9942	385	2	13	13	NUM
easat-9942	385	3	]	]	PUNCT
easat-9942	385	4	a.	a.	NOUN
easat-9942	385	5	kurniawan	kurniawan	PROPN
easat-9942	385	6	,	,	PUNCT
easat-9942	385	7	"	"	PUNCT
easat-9942	385	8	implementation	implementation	NOUN
easat-9942	385	9	of	of	ADP
easat-9942	385	10	5c	5c	NUM
easat-9942	385	11	analysis	analysis	NOUN
easat-9942	385	12	in	in	ADP
easat-9942	385	13	the	the	DET
easat-9942	385	14	bank	bank	NOUN
easat-9942	385	15	credit	credit	NOUN
easat-9942	385	16	process	process	NOUN
easat-9942	385	17	,	,	PUNCT
easat-9942	385	18	"	"	PUNCT
easat-9942	385	19	journal	journal	NOUN
easat-9942	385	20	of	of	ADP
easat-9942	385	21	business	business	PROPN
easat-9942	385	22	administration	administration	PROPN
easat-9942	385	23	,	,	PUNCT
easat-9942	385	24	vol	vol	NOUN
easat-9942	385	25	.	.	PROPN
easat-9942	385	26	7	7	NUM
easat-9942	385	27	,	,	PUNCT
easat-9942	385	28	no	no	INTJ
easat-9942	385	29	.	.	NOUN
easat-9942	385	30	2	2	NUM
easat-9942	385	31	,	,	PUNCT
easat-9942	385	32	pp	pp	ADJ
easat-9942	385	33	.	.	PUNCT
easat-9942	386	1	15–23	15–23	NUM
easat-9942	386	2	,	,	PUNCT
easat-9942	386	3	2018	2018	NUM
easat-9942	386	4	.	.	PUNCT
easat-9942	387	1	[	[	X
easat-9942	387	2	14	14	NUM
easat-9942	387	3	]	]	X
easat-9942	387	4	bank	bank	NOUN
easat-9942	387	5	mandiri	mandiri	NOUN
easat-9942	387	6	,	,	PUNCT
easat-9942	387	7	annual	annual	ADJ
easat-9942	387	8	report	report	NOUN
easat-9942	387	9	2020	2020	NUM
easat-9942	387	10	.	.	PUNCT
easat-9942	388	1	jakarta	jakarta	PROPN
easat-9942	388	2	:	:	PUNCT
easat-9942	388	3	bank	bank	NOUN
easat-9942	388	4	mandiri	mandiri	NOUN
easat-9942	388	5	,	,	PUNCT
easat-9942	388	6	2021	2021	NUM
easat-9942	388	7	.	.	PUNCT
easat-9942	389	1	[	[	X
easat-9942	389	2	15	15	NUM
easat-9942	389	3	]	]	X
easat-9942	389	4	bank	bank	NOUN
easat-9942	389	5	panin	panin	PROPN
easat-9942	389	6	,	,	PUNCT
easat-9942	389	7	annual	annual	ADJ
easat-9942	389	8	report	report	NOUN
easat-9942	389	9	.	.	PUNCT
easat-9942	390	1	jakarta	jakarta	PROPN
easat-9942	390	2	:	:	PUNCT
easat-9942	390	3	bank	bank	PROPN
easat-9942	390	4	panin	panin	PROPN
easat-9942	390	5	,	,	PUNCT
easat-9942	390	6	2021	2021	NUM
easat-9942	390	7	.	.	PUNCT
easat-9942	391	1	[	[	X
easat-9942	391	2	16	16	NUM
easat-9942	391	3	]	]	X
easat-9942	391	4	bnm	bnm	PROPN
easat-9942	391	5	(	(	PUNCT
easat-9942	391	6	bank	bank	PROPN
easat-9942	391	7	negara	negara	PROPN
easat-9942	391	8	malaysia	malaysia	PROPN
easat-9942	391	9	)	)	PUNCT
easat-9942	391	10	,	,	PUNCT
easat-9942	391	11	credit	credit	NOUN
easat-9942	391	12	risk	risk	NOUN
easat-9942	391	13	management	management	NOUN
easat-9942	391	14	guidelines	guideline	NOUN
easat-9942	391	15	.	.	PUNCT
easat-9942	392	1	kuala	kuala	PROPN
easat-9942	392	2	lumpur	lumpur	PROPN
easat-9942	392	3	:	:	PUNCT
easat-9942	392	4	bank	bank	PROPN
easat-9942	392	5	negara	negara	PROPN
easat-9942	392	6	malaysia	malaysia	PROPN
easat-9942	392	7	,	,	PUNCT
easat-9942	392	8	2021	2021	NUM
easat-9942	392	9	.	.	PUNCT
easat-9942	393	1	[	[	X
easat-9942	393	2	17	17	NUM
easat-9942	393	3	]	]	X
easat-9942	393	4	mas	mas	PROPN
easat-9942	393	5	(	(	PUNCT
easat-9942	393	6	monetary	monetary	ADJ
easat-9942	393	7	authority	authority	NOUN
easat-9942	393	8	of	of	ADP
easat-9942	393	9	singapore	singapore	PROPN
easat-9942	393	10	)	)	PUNCT
easat-9942	393	11	,	,	PUNCT
easat-9942	393	12	guidelines	guideline	NOUN
easat-9942	393	13	on	on	ADP
easat-9942	393	14	credit	credit	NOUN
easat-9942	393	15	risk	risk	NOUN
easat-9942	393	16	management	management	NOUN
easat-9942	393	17	.	.	PUNCT
easat-9942	394	1	singapore	singapore	PROPN
easat-9942	394	2	:	:	PUNCT
easat-9942	394	3	mas	mas	PROPN
easat-9942	394	4	,	,	PUNCT
easat-9942	394	5	2018	2018	NUM
easat-9942	394	6	.	.	PUNCT
easat-9942	395	1	[	[	X
easat-9942	395	2	18	18	NUM
easat-9942	395	3	]	]	X
easat-9942	395	4	b.	b.	PROPN
easat-9942	395	5	sugeng	sugeng	PROPN
easat-9942	395	6	,	,	PUNCT
easat-9942	395	7	"	"	PUNCT
easat-9942	395	8	banking	banking	NOUN
easat-9942	395	9	digitalization	digitalization	NOUN
easat-9942	395	10	and	and	CCONJ
easat-9942	395	11	regulatory	regulatory	ADJ
easat-9942	395	12	challenges	challenge	NOUN
easat-9942	395	13	,	,	PUNCT
easat-9942	395	14	"	"	PUNCT
easat-9942	395	15	economic	economic	ADJ
easat-9942	395	16	and	and	CCONJ
easat-9942	395	17	monetary	monetary	ADJ
easat-9942	395	18	bulletin	bulletin	NOUN
easat-9942	395	19	,	,	PUNCT
easat-9942	395	20	vol	vol	NOUN
easat-9942	395	21	.	.	NOUN
easat-9942	395	22	9	9	NUM
easat-9942	395	23	,	,	PUNCT
easat-9942	395	24	no	no	INTJ
easat-9942	395	25	.	.	NOUN
easat-9942	395	26	3	3	NUM
easat-9942	395	27	,	,	PUNCT
easat-9942	395	28	pp	pp	ADJ
easat-9942	395	29	.	.	PUNCT
easat-9942	396	1	45–57	45–57	NUM
easat-9942	396	2	,	,	PUNCT
easat-9942	396	3	2021	2021	NUM
easat-9942	396	4	.	.	PUNCT
easat-9942	397	1	[	[	X
easat-9942	397	2	19	19	NUM
easat-9942	397	3	]	]	X
easat-9942	397	4	y.	y.	PROPN
easat-9942	397	5	harahap	harahap	PROPN
easat-9942	397	6	,	,	PUNCT
easat-9942	397	7	civil	civil	ADJ
easat-9942	397	8	procedure	procedure	NOUN
easat-9942	397	9	law	law	NOUN
easat-9942	397	10	.	.	PUNCT
easat-9942	398	1	jakarta	jakarta	PROPN
easat-9942	398	2	:	:	PUNCT
easat-9942	398	3	sinar	sinar	PROPN
easat-9942	398	4	grafika	grafika	PROPN
easat-9942	398	5	,	,	PUNCT
easat-9942	398	6	2005	2005	NUM
easat-9942	398	7	.	.	PUNCT
easat-9942	399	1	[	[	X
easat-9942	399	2	20	20	NUM
easat-9942	399	3	]	]	PUNCT
easat-9942	399	4	world	world	PROPN
easat-9942	399	5	bank	bank	PROPN
easat-9942	399	6	,	,	PUNCT
easat-9942	399	7	doing	do	VERB
easat-9942	399	8	business	business	NOUN
easat-9942	399	9	2019	2019	NUM
easat-9942	399	10	:	:	PUNCT
easat-9942	399	11	training	training	NOUN
easat-9942	399	12	for	for	ADP
easat-9942	399	13	reform	reform	NOUN
easat-9942	399	14	.	.	PUNCT
easat-9942	400	1	washington	washington	PROPN
easat-9942	400	2	d.c	d.c	PROPN
easat-9942	400	3	:	:	PUNCT
easat-9942	400	4	world	world	PROPN
easat-9942	400	5	bank	bank	PROPN
easat-9942	400	6	,	,	PUNCT
easat-9942	400	7	2019	2019	NUM
easat-9942	400	8	.	.	PUNCT
easat-9942	401	1	[	[	X
easat-9942	401	2	21	21	NUM
easat-9942	401	3	]	]	X
easat-9942	401	4	e.	e.	PROPN
easat-9942	401	5	f.	f.	PROPN
easat-9942	401	6	fama	fama	PROPN
easat-9942	401	7	,	,	PUNCT
easat-9942	401	8	"	"	PUNCT
easat-9942	401	9	what	what	PRON
easat-9942	401	10	's	be	AUX
easat-9942	401	11	different	different	ADJ
easat-9942	401	12	about	about	ADP
easat-9942	401	13	banks	bank	NOUN
easat-9942	401	14	?	?	PUNCT
easat-9942	401	15	,	,	PUNCT
easat-9942	401	16	"	"	PUNCT
easat-9942	401	17	journal	journal	NOUN
easat-9942	401	18	of	of	ADP
easat-9942	401	19	monetary	monetary	ADJ
easat-9942	401	20	economics	economic	NOUN
easat-9942	401	21	,	,	PUNCT
easat-9942	401	22	vol	vol	NOUN
easat-9942	401	23	.	.	PROPN
easat-9942	401	24	15	15	NUM
easat-9942	401	25	,	,	PUNCT
easat-9942	401	26	no	no	INTJ
easat-9942	401	27	.	.	NOUN
easat-9942	401	28	1	1	NUM
easat-9942	401	29	,	,	PUNCT
easat-9942	401	30	pp	pp	ADJ
easat-9942	401	31	.	.	PUNCT
easat-9942	402	1	29	29	NUM
easat-9942	402	2	-	-	SYM
easat-9942	402	3	39	39	NUM
easat-9942	402	4	,	,	PUNCT
easat-9942	402	5	1985	1985	NUM
easat-9942	402	6	.	.	PUNCT
easat-9942	403	1	https://doi.org/10.1016/0304-3932(85)90051-0	https://doi.org/10.1016/0304-3932(85)90051-0	ADJ
easat-9942	403	2	[	[	X
easat-9942	403	3	22	22	NUM
easat-9942	403	4	]	]	X
easat-9942	403	5	oecd	oecd	PROPN
easat-9942	403	6	,	,	PUNCT
easat-9942	403	7	sme	sme	PROPN
easat-9942	403	8	policy	policy	NOUN
easat-9942	403	9	index	index	NOUN
easat-9942	403	10	:	:	PUNCT
easat-9942	403	11	asean	asean	PROPN
easat-9942	403	12	paris	paris	PROPN
easat-9942	403	13	:	:	PUNCT
easat-9942	403	14	oecd	oecd	PROPN
easat-9942	403	15	publishing	publishing	NOUN
easat-9942	403	16	,	,	PUNCT
easat-9942	403	17	2022	2022	NUM
easat-9942	403	18	.	.	PUNCT
easat-9942	404	1	[	[	X
easat-9942	404	2	23	23	NUM
easat-9942	404	3	]	]	PUNCT
easat-9942	404	4	m.	m.	PROPN
easat-9942	404	5	e.	e.	PROPN
easat-9942	404	6	porter	porter	PROPN
easat-9942	404	7	,	,	PUNCT
easat-9942	404	8	on	on	ADP
easat-9942	404	9	competition	competition	NOUN
easat-9942	404	10	.	.	PUNCT
easat-9942	405	1	boston	boston	PROPN
easat-9942	405	2	:	:	PUNCT
easat-9942	405	3	harvard	harvard	PROPN
easat-9942	405	4	business	business	PROPN
easat-9942	405	5	press	press	PROPN
easat-9942	405	6	,	,	PUNCT
easat-9942	405	7	2008	2008	NUM
easat-9942	405	8	.	.	PUNCT
easat-9942	406	1	[	[	X
easat-9942	406	2	24	24	NUM
easat-9942	406	3	]	]	X
easat-9942	406	4	r.	r.	PROPN
easat-9942	406	5	husein	husein	PROPN
easat-9942	406	6	,	,	PUNCT
easat-9942	406	7	"	"	PUNCT
easat-9942	406	8	enforcement	enforcement	NOUN
easat-9942	406	9	of	of	ADP
easat-9942	406	10	collateral	collateral	NOUN
easat-9942	406	11	in	in	ADP
easat-9942	406	12	infrastructure	infrastructure	NOUN
easat-9942	406	13	financing	financing	NOUN
easat-9942	406	14	,	,	PUNCT
easat-9942	406	15	"	"	PUNCT
easat-9942	406	16	journal	journal	NOUN
easat-9942	406	17	of	of	ADP
easat-9942	406	18	law	law	NOUN
easat-9942	406	19	and	and	CCONJ
easat-9942	406	20	development	development	NOUN
easat-9942	406	21	,	,	PUNCT
easat-9942	406	22	vol	vol	NOUN
easat-9942	406	23	.	.	PROPN
easat-9942	407	1	51	51	NUM
easat-9942	407	2	,	,	PUNCT
easat-9942	407	3	no	no	INTJ
easat-9942	407	4	.	.	NOUN
easat-9942	407	5	12	12	NUM
easat-9942	407	6	,	,	PUNCT
easat-9942	407	7	pp	pp	ADJ
easat-9942	407	8	.	.	PUNCT
easat-9942	408	1	122–138	122–138	NUM
easat-9942	408	2	,	,	PUNCT
easat-9942	408	3	2021	2021	NUM
easat-9942	408	4	.	.	PUNCT
easat-9942	409	1	[	[	X
easat-9942	409	2	25	25	NUM
easat-9942	409	3	]	]	X
easat-9942	409	4	i.	i.	PROPN
easat-9942	409	5	ghozali	ghozali	PROPN
easat-9942	409	6	,	,	PUNCT
easat-9942	409	7	application	application	NOUN
easat-9942	409	8	of	of	ADP
easat-9942	409	9	multivariate	multivariate	NOUN
easat-9942	409	10	analysis	analysis	NOUN
easat-9942	409	11	with	with	ADP
easat-9942	409	12	ibm	ibm	PROPN
easat-9942	409	13	spss	spss	PROPN
easat-9942	409	14	23	23	NUM
easat-9942	409	15	program	program	NOUN
easat-9942	409	16	.	.	PUNCT
easat-9942	410	1	semarang	semarang	PROPN
easat-9942	410	2	:	:	PUNCT
easat-9942	411	1	diponegoro	diponegoro	PROPN
easat-9942	411	2	university	university	NOUN
easat-9942	411	3	publishing	publishing	NOUN
easat-9942	411	4	agency	agency	NOUN
easat-9942	411	5	,	,	PUNCT
easat-9942	411	6	2016	2016	NUM
easat-9942	411	7	.	.	PUNCT
easat-9942	412	1	[	[	X
easat-9942	412	2	26	26	NUM
easat-9942	412	3	]	]	PUNCT
easat-9942	412	4	j.	j.	PROPN
easat-9942	412	5	sarwono	sarwono	PROPN
easat-9942	412	6	,	,	PUNCT
easat-9942	412	7	path	path	VERB
easat-9942	412	8	analysis	analysis	NOUN
easat-9942	412	9	for	for	ADP
easat-9942	412	10	business	business	NOUN
easat-9942	412	11	research	research	NOUN
easat-9942	412	12	with	with	ADP
easat-9942	412	13	spss	spss	PROPN
easat-9942	412	14	.	.	PUNCT
easat-9942	413	1	yogyakarta	yogyakarta	PROPN
easat-9942	413	2	:	:	PUNCT
easat-9942	414	1	andi	andi	PROPN
easat-9942	414	2	offset	offset	PROPN
easat-9942	414	3	,	,	PUNCT
easat-9942	414	4	2012	2012	NUM
easat-9942	414	5	.	.	PUNCT
easat-9942	415	1	[	[	X
easat-9942	415	2	27	27	NUM
easat-9942	415	3	]	]	X
easat-9942	415	4	imf	imf	PROPN
easat-9942	415	5	,	,	PUNCT
easat-9942	415	6	financial	financial	ADJ
easat-9942	415	7	access	access	NOUN
easat-9942	415	8	survey	survey	NOUN
easat-9942	415	9	.	.	PUNCT
easat-9942	416	1	washington	washington	PROPN
easat-9942	416	2	d.c	d.c	PROPN
easat-9942	416	3	:	:	PUNCT
easat-9942	416	4	international	international	ADJ
easat-9942	416	5	monetary	monetary	ADJ
easat-9942	416	6	fund	fund	NOUN
easat-9942	416	7	,	,	PUNCT
easat-9942	416	8	2019	2019	NUM
easat-9942	416	9	.	.	PUNCT
easat-9942	417	1	[	[	X
easat-9942	417	2	28	28	NUM
easat-9942	417	3	]	]	X
easat-9942	417	4	j.	j.	PROPN
easat-9942	417	5	e.	e.	PROPN
easat-9942	417	6	stiglitz	stiglitz	PROPN
easat-9942	417	7	,	,	PUNCT
easat-9942	417	8	"	"	PUNCT
easat-9942	417	9	financial	financial	ADJ
easat-9942	417	10	markets	market	NOUN
easat-9942	417	11	and	and	CCONJ
easat-9942	417	12	development	development	NOUN
easat-9942	417	13	,	,	PUNCT
easat-9942	417	14	"	"	PUNCT
easat-9942	417	15	oxford	oxford	PROPN
easat-9942	417	16	review	review	NOUN
easat-9942	417	17	of	of	ADP
easat-9942	417	18	economic	economic	ADJ
easat-9942	417	19	policy	policy	NOUN
easat-9942	417	20	,	,	PUNCT
easat-9942	417	21	vol	vol	NOUN
easat-9942	417	22	.	.	PROPN
easat-9942	417	23	5	5	NUM
easat-9942	417	24	,	,	PUNCT
easat-9942	417	25	no	no	INTJ
easat-9942	417	26	.	.	NOUN
easat-9942	417	27	4	4	NUM
easat-9942	417	28	,	,	PUNCT
easat-9942	417	29	pp	pp	ADJ
easat-9942	417	30	.	.	PUNCT
easat-9942	418	1	55–68	55–68	NOUN
easat-9942	418	2	,	,	PUNCT
easat-9942	418	3	1989	1989	NUM
easat-9942	418	4	.	.	PUNCT
easat-9942	419	1	[	[	X
easat-9942	419	2	29	29	NUM
easat-9942	419	3	]	]	X
easat-9942	419	4	f.	f.	PROPN
easat-9942	419	5	tjiptono	tjiptono	PROPN
easat-9942	419	6	,	,	PUNCT
easat-9942	419	7	marketing	marketing	NOUN
easat-9942	419	8	strategy	strategy	NOUN
easat-9942	419	9	.	.	PUNCT
easat-9942	420	1	yogyakarta	yogyakarta	PROPN
easat-9942	420	2	:	:	PUNCT
easat-9942	421	1	andi	andi	PROPN
easat-9942	421	2	offset	offset	PROPN
easat-9942	421	3	,	,	PUNCT
easat-9942	421	4	2011	2011	NUM
easat-9942	421	5	.	.	PUNCT
easat-9942	422	1	[	[	X
easat-9942	422	2	30	30	NUM
easat-9942	422	3	]	]	X
easat-9942	422	4	f.	f.	PROPN
easat-9942	422	5	basri	basri	PROPN
easat-9942	422	6	,	,	PUNCT
easat-9942	422	7	"	"	PUNCT
easat-9942	422	8	indonesia	indonesia	PROPN
easat-9942	422	9	's	's	PART
easat-9942	422	10	economic	economic	ADJ
easat-9942	422	11	transformation	transformation	NOUN
easat-9942	422	12	:	:	PUNCT
easat-9942	422	13	dynamics	dynamic	NOUN
easat-9942	422	14	,	,	PUNCT
easat-9942	422	15	challenges	challenge	NOUN
easat-9942	422	16	,	,	PUNCT
easat-9942	422	17	and	and	CCONJ
easat-9942	422	18	policy	policy	NOUN
easat-9942	422	19	directions	direction	NOUN
easat-9942	422	20	,	,	PUNCT
easat-9942	422	21	"	"	PUNCT
easat-9942	422	22	journal	journal	NOUN
easat-9942	422	23	of	of	ADP
easat-9942	422	24	economics	economic	NOUN
easat-9942	422	25	and	and	CCONJ
easat-9942	422	26	public	public	ADJ
easat-9942	422	27	policy	policy	NOUN
easat-9942	422	28	,	,	PUNCT
easat-9942	422	29	vol	vol	NOUN
easat-9942	422	30	.	.	PROPN
easat-9942	422	31	6	6	NUM
easat-9942	422	32	,	,	PUNCT
easat-9942	422	33	no	no	INTJ
easat-9942	422	34	.	.	NOUN
easat-9942	422	35	1	1	NUM
easat-9942	422	36	,	,	PUNCT
easat-9942	422	37	pp	pp	ADJ
easat-9942	422	38	.	.	PUNCT
easat-9942	423	1	1–12	1–12	NOUN
easat-9942	423	2	,	,	PUNCT
easat-9942	423	3	2015	2015	NUM
easat-9942	423	4	.	.	PUNCT
easat-9942	424	1	[	[	X
easat-9942	424	2	31	31	NUM
easat-9942	424	3	]	]	PUNCT
easat-9942	424	4	a.	a.	NOUN
easat-9942	424	5	nasution	nasution	NOUN
easat-9942	424	6	,	,	PUNCT
easat-9942	424	7	"	"	PUNCT
easat-9942	424	8	banking	banking	NOUN
easat-9942	424	9	and	and	CCONJ
easat-9942	424	10	economic	economic	ADJ
easat-9942	424	11	development	development	NOUN
easat-9942	424	12	,	,	PUNCT
easat-9942	424	13	"	"	PUNCT
easat-9942	424	14	journal	journal	NOUN
easat-9942	424	15	of	of	ADP
easat-9942	424	16	development	development	NOUN
easat-9942	424	17	economics	economic	NOUN
easat-9942	424	18	,	,	PUNCT
easat-9942	424	19	vol	vol	NOUN
easat-9942	424	20	.	.	PROPN
easat-9942	424	21	15	15	NUM
easat-9942	424	22	,	,	PUNCT
easat-9942	424	23	no	no	INTJ
easat-9942	424	24	.	.	NOUN
easat-9942	424	25	2	2	NUM
easat-9942	424	26	,	,	PUNCT
easat-9942	424	27	pp	pp	PROPN
easat-9942	424	28	.	.	PUNCT
easat-9942	424	29	85–97	85–97	NUM
easat-9942	424	30	,	,	PUNCT
easat-9942	424	31	2014	2014	NUM
easat-9942	424	32	.	.	PUNCT
easat-9942	425	1	[	[	X
easat-9942	425	2	32	32	NUM
easat-9942	425	3	]	]	PUNCT
easat-9942	425	4	a.	a.	NOUN
easat-9942	425	5	rizal	rizal	NOUN
easat-9942	425	6	,	,	PUNCT
easat-9942	425	7	"	"	PUNCT
easat-9942	425	8	analysis	analysis	NOUN
easat-9942	425	9	of	of	ADP
easat-9942	425	10	unsecured	unsecured	ADJ
easat-9942	425	11	credit	credit	NOUN
easat-9942	425	12	risk	risk	NOUN
easat-9942	425	13	,	,	PUNCT
easat-9942	425	14	"	"	PUNCT
easat-9942	425	15	journal	journal	NOUN
easat-9942	425	16	of	of	ADP
easat-9942	425	17	management	management	NOUN
easat-9942	425	18	and	and	CCONJ
easat-9942	425	19	business	business	NOUN
easat-9942	425	20	,	,	PUNCT
easat-9942	425	21	vol	vol	NOUN
easat-9942	425	22	.	.	PROPN
easat-9942	425	23	12	12	NUM
easat-9942	425	24	,	,	PUNCT
easat-9942	425	25	no	no	INTJ
easat-9942	425	26	.	.	NOUN
easat-9942	425	27	1	1	NUM
easat-9942	425	28	,	,	PUNCT
easat-9942	425	29	pp	pp	ADJ
easat-9942	425	30	.	.	PUNCT
easat-9942	426	1	59–67	59–67	NUM
easat-9942	426	2	,	,	PUNCT
easat-9942	426	3	2020	2020	NUM
easat-9942	426	4	.	.	PUNCT
easat-9942	427	1	[	[	X
easat-9942	427	2	33	33	NUM
easat-9942	427	3	]	]	PUNCT
easat-9942	427	4	m.	m.	NOUN
easat-9942	427	5	saefullah	saefullah	PROPN
easat-9942	427	6	,	,	PUNCT
easat-9942	427	7	"	"	PUNCT
easat-9942	427	8	comparison	comparison	NOUN
easat-9942	427	9	of	of	ADP
easat-9942	427	10	fiduciary	fiduciary	ADJ
easat-9942	427	11	and	and	CCONJ
easat-9942	427	12	mortgage	mortgage	NOUN
easat-9942	427	13	guarantee	guarantee	NOUN
easat-9942	427	14	systems	system	NOUN
easat-9942	427	15	,	,	PUNCT
easat-9942	427	16	"	"	PUNCT
easat-9942	427	17	journal	journal	NOUN
easat-9942	427	18	of	of	ADP
easat-9942	427	19	economic	economic	ADJ
easat-9942	427	20	law	law	NOUN
easat-9942	427	21	,	,	PUNCT
easat-9942	427	22	vol	vol	NOUN
easat-9942	427	23	.	.	PROPN
easat-9942	427	24	9	9	NUM
easat-9942	427	25	,	,	PUNCT
easat-9942	427	26	no	no	INTJ
easat-9942	427	27	.	.	NOUN
easat-9942	427	28	2	2	NUM
easat-9942	427	29	,	,	PUNCT
easat-9942	427	30	pp	pp	ADJ
easat-9942	427	31	.	.	PUNCT
easat-9942	428	1	77–89	77–89	NUM
easat-9942	428	2	,	,	PUNCT
easat-9942	428	3	2021	2021	NUM
easat-9942	428	4	.	.	PUNCT
easat-9942	429	1	[	[	X
easat-9942	429	2	34	34	NUM
easat-9942	429	3	]	]	PUNCT
easat-9942	429	4	a.	a.	NOUN
easat-9942	429	5	wachid	wachid	PROPN
easat-9942	429	6	,	,	PUNCT
easat-9942	429	7	"	"	PUNCT
easat-9942	429	8	the	the	DET
easat-9942	429	9	industrial	industrial	ADJ
easat-9942	429	10	revolution	revolution	NOUN
easat-9942	429	11	4.0	4.0	NUM
easat-9942	429	12	and	and	CCONJ
easat-9942	429	13	disruption	disruption	NOUN
easat-9942	429	14	of	of	ADP
easat-9942	429	15	the	the	DET
easat-9942	429	16	financial	financial	ADJ
easat-9942	429	17	system	system	NOUN
easat-9942	429	18	,	,	PUNCT
easat-9942	429	19	"	"	PUNCT
easat-9942	429	20	journal	journal	NOUN
easat-9942	429	21	of	of	ADP
easat-9942	429	22	digital	digital	ADJ
easat-9942	429	23	transformation	transformation	NOUN
easat-9942	429	24	,	,	PUNCT
easat-9942	429	25	vol	vol	NOUN
easat-9942	429	26	.	.	PROPN
easat-9942	430	1	3	3	NUM
easat-9942	430	2	,	,	PUNCT
easat-9942	430	3	no	no	INTJ
easat-9942	430	4	.	.	NOUN
easat-9942	430	5	1	1	NUM
easat-9942	430	6	,	,	PUNCT
easat-9942	430	7	pp	pp	ADJ
easat-9942	430	8	.	.	PUNCT
easat-9942	431	1	44–56	44–56	NUM
easat-9942	431	2	,	,	PUNCT
easat-9942	431	3	2022	2022	NUM
easat-9942	431	4	.	.	PUNCT
easat-9942	432	1	[	[	X
easat-9942	432	2	35	35	NUM
easat-9942	432	3	]	]	PUNCT
easat-9942	432	4	law	law	NOUN
easat-9942	432	5	number	number	NOUN
easat-9942	432	6	8	8	NUM
easat-9942	432	7	of	of	ADP
easat-9942	432	8	1981	1981	NUM
easat-9942	432	9	concerning	concern	VERB
easat-9942	432	10	criminal	criminal	ADJ
easat-9942	432	11	procedure	procedure	NOUN
easat-9942	432	12	law	law	NOUN
easat-9942	432	13	(	(	PUNCT
easat-9942	432	14	kuhap	kuhap	NOUN
easat-9942	432	15	)	)	PUNCT
easat-9942	432	16	,	,	PUNCT
easat-9942	432	17	"	"	PUNCT
easat-9942	432	18	state	state	NOUN
easat-9942	432	19	gazette	gazette	NOUN
easat-9942	432	20	of	of	ADP
easat-9942	432	21	the	the	DET
easat-9942	432	22	republic	republic	NOUN
easat-9942	432	23	of	of	ADP
easat-9942	432	24	indonesia	indonesia	PROPN
easat-9942	432	25	of	of	ADP
easat-9942	432	26	1981	1981	NUM
easat-9942	432	27	number	number	NOUN
easat-9942	432	28	76	76	NUM
easat-9942	432	29	,	,	PUNCT
easat-9942	432	30	"	"	PUNCT
easat-9942	432	31	law	law	NOUN
easat-9942	432	32	number	number	NOUN
easat-9942	432	33	8	8	NUM
easat-9942	432	34	of	of	ADP
easat-9942	432	35	1981	1981	NUM
easat-9942	432	36	concerning	concern	VERB
easat-9942	432	37	criminal	criminal	ADJ
easat-9942	432	38	procedure	procedure	NOUN
easat-9942	432	39	law	law	NOUN
easat-9942	432	40	(	(	PUNCT
easat-9942	432	41	kuhap	kuhap	NOUN
easat-9942	432	42	)	)	PUNCT
easat-9942	432	43	,	,	PUNCT
easat-9942	432	44	1981	1981	NUM
easat-9942	432	45	.	.	PUNCT
easat-9942	433	1	[	[	X
easat-9942	433	2	36	36	NUM
easat-9942	433	3	]	]	X
easat-9942	433	4	law	law	NOUN
easat-9942	433	5	no	no	NOUN
easat-9942	433	6	.	.	PROPN
easat-9942	433	7	12	12	NUM
easat-9942	433	8	of	of	ADP
easat-9942	433	9	2011	2011	NUM
easat-9942	433	10	concerning	concern	VERB
easat-9942	433	11	the	the	DET
easat-9942	433	12	formation	formation	NOUN
easat-9942	433	13	of	of	ADP
easat-9942	433	14	legislation	legislation	NOUN
easat-9942	433	15	,	,	PUNCT
easat-9942	433	16	"	"	PUNCT
easat-9942	433	17	concerning	concern	VERB
easat-9942	433	18	the	the	DET
easat-9942	433	19	formation	formation	NOUN
easat-9942	433	20	of	of	ADP
easat-9942	433	21	legislation	legislation	NOUN
easat-9942	433	22	.	.	PUNCT
easat-9942	434	1	,	,	PUNCT
easat-9942	434	2	"	"	PUNCT
easat-9942	434	3	law	law	NOUN
easat-9942	434	4	no	no	NOUN
easat-9942	434	5	.	.	PROPN
easat-9942	434	6	12	12	NUM
easat-9942	434	7	,	,	PUNCT
easat-9942	434	8	2011	2011	NUM
easat-9942	434	9	.	.	PUNCT
easat-9942	435	1	[	[	X
easat-9942	435	2	37	37	NUM
easat-9942	435	3	]	]	PUNCT
easat-9942	435	4	zulkieflimansyah	zulkieflimansyah	NOUN
easat-9942	435	5	,	,	PUNCT
easat-9942	435	6	"	"	PUNCT
easat-9942	435	7	indonesia	indonesia	PROPN
easat-9942	435	8	in	in	ADP
easat-9942	435	9	the	the	DET
easat-9942	435	10	industrial	industrial	ADJ
easat-9942	435	11	revolution	revolution	NOUN
easat-9942	435	12	4.0	4.0	NUM
easat-9942	435	13	,	,	PUNCT
easat-9942	435	14	"	"	PUNCT
easat-9942	435	15	journal	journal	NOUN
easat-9942	435	16	of	of	ADP
easat-9942	435	17	economics	economic	NOUN
easat-9942	435	18	and	and	CCONJ
easat-9942	435	19	innovation	innovation	NOUN
easat-9942	435	20	,	,	PUNCT
easat-9942	435	21	vol	vol	NOUN
easat-9942	435	22	.	.	PROPN
easat-9942	435	23	5	5	NUM
easat-9942	435	24	,	,	PUNCT
easat-9942	435	25	no	no	INTJ
easat-9942	435	26	.	.	NOUN
easat-9942	435	27	2	2	NUM
easat-9942	435	28	,	,	PUNCT
easat-9942	435	29	pp	pp	ADJ
easat-9942	435	30	.	.	PUNCT
easat-9942	436	1	111–120	111–120	NUM
easat-9942	436	2	,	,	PUNCT
easat-9942	436	3	2019	2019	NUM
easat-9942	436	4	.	.	PUNCT
easat-9942	437	1	[	[	X
easat-9942	437	2	38	38	NUM
easat-9942	437	3	]	]	X
easat-9942	437	4	sugiyono	sugiyono	NOUN
easat-9942	437	5	,	,	PUNCT
easat-9942	437	6	quantitative	quantitative	ADJ
easat-9942	437	7	,	,	PUNCT
easat-9942	437	8	qualitative	qualitative	NOUN
easat-9942	437	9	,	,	PUNCT
easat-9942	437	10	and	and	CCONJ
easat-9942	437	11	r&d	r&d	NOUN
easat-9942	437	12	research	research	NOUN
easat-9942	437	13	methods	method	NOUN
easat-9942	437	14	.	.	PUNCT
easat-9942	438	1	bandung	bandung	PROPN
easat-9942	438	2	:	:	PUNCT
easat-9942	438	3	alfabeta	alfabeta	PROPN
easat-9942	438	4	,	,	PUNCT
easat-9942	438	5	2017	2017	NUM
easat-9942	438	6	.	.	PUNCT
easat-9942	439	1	[	[	X
easat-9942	439	2	39	39	NUM
easat-9942	439	3	]	]	PUNCT
easat-9942	439	4	t.	t.	PROPN
easat-9942	439	5	tambunan	tambunan	PROPN
easat-9942	439	6	,	,	PUNCT
easat-9942	439	7	"	"	PUNCT
easat-9942	439	8	the	the	DET
easat-9942	439	9	role	role	NOUN
easat-9942	439	10	of	of	ADP
easat-9942	439	11	msmes	msme	NOUN
easat-9942	439	12	in	in	ADP
easat-9942	439	13	the	the	DET
easat-9942	439	14	national	national	ADJ
easat-9942	439	15	economy	economy	NOUN
easat-9942	439	16	,	,	PUNCT
easat-9942	439	17	"	"	PUNCT
easat-9942	439	18	indonesian	indonesian	ADJ
easat-9942	439	19	journal	journal	NOUN
easat-9942	439	20	of	of	ADP
easat-9942	439	21	economics	economic	NOUN
easat-9942	439	22	and	and	CCONJ
easat-9942	439	23	development	development	NOUN
easat-9942	439	24	,	,	PUNCT
easat-9942	439	25	vol	vol	NOUN
easat-9942	439	26	.	.	PROPN
easat-9942	439	27	19	19	NUM
easat-9942	439	28	,	,	PUNCT
easat-9942	439	29	no	no	INTJ
easat-9942	439	30	.	.	NOUN
easat-9942	439	31	1	1	NUM
easat-9942	439	32	,	,	PUNCT
easat-9942	439	33	pp	pp	ADJ
easat-9942	439	34	.	.	PUNCT
easat-9942	440	1	15–30	15–30	NUM
easat-9942	440	2	,	,	PUNCT
easat-9942	440	3	2019	2019	NUM
easat-9942	440	4	.	.	PUNCT
easat-9942	441	1	[	[	X
easat-9942	441	2	40	40	NUM
easat-9942	441	3	]	]	PUNCT
easat-9942	441	4	world	world	PROPN
easat-9942	441	5	bank	bank	PROPN
easat-9942	441	6	,	,	PUNCT
easat-9942	441	7	indonesia	indonesia	PROPN
easat-9942	441	8	economic	economic	ADJ
easat-9942	441	9	progress	progress	NOUN
easat-9942	441	10	report	report	NOUN
easat-9942	441	11	:	:	PUNCT
easat-9942	441	12	navigating	navigate	VERB
easat-9942	441	13	the	the	DET
easat-9942	441	14	crisis	crisis	NOUN
easat-9942	441	15	.	.	PUNCT
easat-9942	442	1	jakarta	jakarta	PROPN
easat-9942	442	2	:	:	PUNCT
easat-9942	442	3	world	world	PROPN
easat-9942	442	4	bank	bank	PROPN
easat-9942	442	5	office	office	PROPN
easat-9942	442	6	indonesia	indonesia	PROPN
easat-9942	442	7	,	,	PUNCT
easat-9942	442	8	2021	2021	NUM
easat-9942	442	9	.	.	PUNCT
easat-9942	443	1	[	[	X
easat-9942	443	2	41	41	NUM
easat-9942	443	3	]	]	SYM
easat-9942	443	4	ojk	ojk	NOUN
easat-9942	443	5	,	,	PUNCT
easat-9942	443	6	roadmap	roadmap	NOUN
easat-9942	443	7	for	for	ADP
easat-9942	443	8	the	the	DET
easat-9942	443	9	development	development	NOUN
easat-9942	443	10	of	of	ADP
easat-9942	443	11	indonesian	indonesian	ADJ
easat-9942	443	12	banking	banking	PROPN
easat-9942	443	13	2021–2025	2021–2025	NUM
easat-9942	443	14	.	.	PUNCT
easat-9942	444	1	jakarta	jakarta	PROPN
easat-9942	444	2	:	:	PUNCT
easat-9942	444	3	ojk	ojk	NOUN
easat-9942	444	4	,	,	PUNCT
easat-9942	444	5	2023	2023	NUM
easat-9942	444	6	.	.	PUNCT
easat-9942	445	1	[	[	X
easat-9942	445	2	42	42	NUM
easat-9942	445	3	]	]	PUNCT
easat-9942	445	4	m.	m.	NOUN
easat-9942	445	5	siregar	siregar	NOUN
easat-9942	445	6	,	,	PUNCT
easat-9942	445	7	"	"	PUNCT
easat-9942	445	8	digitalization	digitalization	NOUN
easat-9942	445	9	and	and	CCONJ
easat-9942	445	10	new	new	ADJ
easat-9942	445	11	banking	banking	NOUN
easat-9942	445	12	business	business	NOUN
easat-9942	445	13	models	model	NOUN
easat-9942	445	14	,	,	PUNCT
easat-9942	445	15	"	"	PUNCT
easat-9942	445	16	journal	journal	NOUN
easat-9942	445	17	of	of	ADP
easat-9942	445	18	digital	digital	ADJ
easat-9942	445	19	innovation	innovation	NOUN
easat-9942	445	20	,	,	PUNCT
easat-9942	445	21	vol	vol	NOUN
easat-9942	445	22	.	.	PROPN
easat-9942	445	23	4	4	NUM
easat-9942	445	24	,	,	PUNCT
easat-9942	445	25	no	no	INTJ
easat-9942	445	26	.	.	NOUN
easat-9942	445	27	2	2	NUM
easat-9942	445	28	,	,	PUNCT
easat-9942	445	29	pp	pp	ADJ
easat-9942	445	30	.	.	PUNCT
easat-9942	446	1	78–93	78–93	NUM
easat-9942	446	2	,	,	PUNCT
easat-9942	446	3	2021	2021	NUM
easat-9942	446	4	.	.	PUNCT
easat-9942	447	1	[	[	X
easat-9942	447	2	43	43	NUM
easat-9942	447	3	]	]	X
easat-9942	447	4	imf	imf	PROPN
easat-9942	447	5	,	,	PUNCT
easat-9942	447	6	covid-19	covid-19	PROPN
easat-9942	447	7	and	and	CCONJ
easat-9942	447	8	non	non	ADJ
easat-9942	447	9	-	-	ADJ
easat-9942	447	10	bank	bank	ADJ
easat-9942	447	11	financial	financial	ADJ
easat-9942	447	12	institutions	institution	NOUN
easat-9942	447	13	:	:	PUNCT
easat-9942	447	14	policy	policy	NOUN
easat-9942	447	15	tools	tool	NOUN
easat-9942	447	16	in	in	ADP
easat-9942	447	17	times	time	NOUN
easat-9942	447	18	of	of	ADP
easat-9942	447	19	crisis	crisis	NOUN
easat-9942	447	20	.	.	PUNCT
easat-9942	448	1	washington	washington	PROPN
easat-9942	448	2	d.c	d.c	PROPN
easat-9942	448	3	:	:	PUNCT
easat-9942	448	4	imf	imf	PROPN
easat-9942	448	5	,	,	PUNCT
easat-9942	448	6	2020	2020	NUM
easat-9942	448	7	.	.	PUNCT
easat-9942	449	1	[	[	X
easat-9942	449	2	44	44	NUM
easat-9942	449	3	]	]	PUNCT
easat-9942	449	4	b.	b.	PROPN
easat-9942	449	5	harsono	harsono	PROPN
easat-9942	449	6	,	,	PUNCT
easat-9942	449	7	indonesian	indonesian	ADJ
easat-9942	449	8	agrarian	agrarian	ADJ
easat-9942	449	9	law	law	NOUN
easat-9942	449	10	.	.	PUNCT
easat-9942	450	1	jakarta	jakarta	PROPN
easat-9942	450	2	:	:	PUNCT
easat-9942	451	1	djambatan	djambatan	ADJ
easat-9942	451	2	,	,	PUNCT
easat-9942	451	3	2010	2010	NUM
easat-9942	451	4	.	.	PUNCT
easat-9942	452	1	[	[	X
easat-9942	452	2	45	45	NUM
easat-9942	452	3	]	]	X
easat-9942	452	4	y.	y.	NOUN
easat-9942	452	5	prasetyo	prasetyo	NOUN
easat-9942	452	6	,	,	PUNCT
easat-9942	452	7	"	"	PUNCT
easat-9942	452	8	the	the	DET
easat-9942	452	9	direction	direction	NOUN
easat-9942	452	10	of	of	ADP
easat-9942	452	11	fintech	fintech	NOUN
easat-9942	452	12	regulation	regulation	NOUN
easat-9942	452	13	in	in	ADP
easat-9942	452	14	indonesia	indonesia	PROPN
easat-9942	452	15	,	,	PUNCT
easat-9942	452	16	"	"	PUNCT
easat-9942	452	17	journal	journal	NOUN
easat-9942	452	18	of	of	ADP
easat-9942	452	19	financial	financial	ADJ
easat-9942	452	20	regulation	regulation	NOUN
easat-9942	452	21	,	,	PUNCT
easat-9942	452	22	vol	vol	NOUN
easat-9942	452	23	.	.	PROPN
easat-9942	452	24	10	10	NUM
easat-9942	452	25	,	,	PUNCT
easat-9942	452	26	no	no	INTJ
easat-9942	452	27	.	.	NOUN
easat-9942	452	28	1	1	NUM
easat-9942	452	29	,	,	PUNCT
easat-9942	452	30	pp	pp	ADJ
easat-9942	452	31	.	.	PUNCT
easat-9942	453	1	33	33	NUM
easat-9942	453	2	–	–	PUNCT
easat-9942	453	3	45	45	NUM
easat-9942	453	4	,	,	PUNCT
easat-9942	453	5	2021	2021	NUM
easat-9942	453	6	.	.	PUNCT
easat-9942	454	1	[	[	X
easat-9942	454	2	46	46	NUM
easat-9942	454	3	]	]	X
easat-9942	454	4	l.	l.	PROPN
easat-9942	454	5	m.	m.	PROPN
easat-9942	454	6	friedman	friedman	PROPN
easat-9942	454	7	,	,	PUNCT
easat-9942	454	8	american	american	ADJ
easat-9942	454	9	law	law	NOUN
easat-9942	454	10	:	:	PUNCT
easat-9942	454	11	an	an	DET
easat-9942	454	12	introduction	introduction	NOUN
easat-9942	454	13	,	,	PUNCT
easat-9942	454	14	2nd	2nd	ADJ
easat-9942	454	15	ed	ed	NOUN
easat-9942	454	16	.	.	PUNCT
easat-9942	455	1	oxford	oxford	NOUN
easat-9942	455	2	:	:	PUNCT
easat-9942	455	3	oxford	oxford	PROPN
easat-9942	455	4	university	university	PROPN
easat-9942	455	5	press	press	NOUN
easat-9942	455	6	,	,	PUNCT
easat-9942	455	7	2001	2001	NUM
easat-9942	455	8	.	.	PUNCT
easat-9942	456	1	[	[	X
easat-9942	456	2	47	47	NUM
easat-9942	456	3	]	]	PUNCT
easat-9942	456	4	a.	a.	NOUN
easat-9942	456	5	fauzi	fauzi	PROPN
easat-9942	456	6	,	,	PUNCT
easat-9942	456	7	"	"	PUNCT
easat-9942	456	8	national	national	ADJ
easat-9942	456	9	financial	financial	ADJ
easat-9942	456	10	system	system	NOUN
easat-9942	456	11	resilience	resilience	NOUN
easat-9942	456	12	,	,	PUNCT
easat-9942	456	13	"	"	PUNCT
easat-9942	456	14	state	state	NOUN
easat-9942	456	15	finance	finance	NOUN
easat-9942	456	16	journal	journal	NOUN
easat-9942	456	17	,	,	PUNCT
easat-9942	456	18	vol	vol	NOUN
easat-9942	456	19	.	.	PROPN
easat-9942	456	20	6	6	NUM
easat-9942	456	21	,	,	PUNCT
easat-9942	456	22	no	no	INTJ
easat-9942	456	23	.	.	NOUN
easat-9942	456	24	2	2	NUM
easat-9942	456	25	,	,	PUNCT
easat-9942	456	26	pp	pp	ADJ
easat-9942	456	27	.	.	PUNCT
easat-9942	457	1	55–68	55–68	NOUN
easat-9942	457	2	,	,	PUNCT
easat-9942	457	3	2021	2021	NUM
easat-9942	457	4	.	.	PUNCT
easat-9942	458	1	https://doi.org/10.1016/0304-3932(85)90051-0	https://doi.org/10.1016/0304-3932(85)90051-0	ADJ
easat-9942	458	2	773	773	NUM
easat-9942	458	3	edelweiss	edelweiss	PROPN
easat-9942	458	4	applied	apply	VERB
easat-9942	458	5	science	science	NOUN
easat-9942	458	6	and	and	CCONJ
easat-9942	458	7	technology	technology	NOUN
easat-9942	458	8	issn	issn	PROPN
easat-9942	458	9	:	:	PUNCT
easat-9942	458	10	2576	2576	NUM
easat-9942	458	11	-	-	SYM
easat-9942	458	12	8484	8484	NUM
easat-9942	458	13	vol	vol	NOUN
easat-9942	458	14	.	.	PROPN
easat-9942	459	1	9	9	NUM
easat-9942	459	2	,	,	PUNCT
easat-9942	459	3	no	no	INTJ
easat-9942	459	4	.	.	NOUN
easat-9942	459	5	9	9	NUM
easat-9942	459	6	:	:	PUNCT
easat-9942	459	7	761	761	NUM
easat-9942	459	8	-	-	SYM
easat-9942	459	9	773	773	NUM
easat-9942	459	10	,	,	PUNCT
easat-9942	459	11	2025	2025	NUM
easat-9942	459	12	doi	doi	NOUN
easat-9942	459	13	:	:	PUNCT
easat-9942	459	14	10.55214/2576	10.55214/2576	NUM
easat-9942	459	15	-	-	PUNCT
easat-9942	459	16	8484.v9i9.9942	8484.v9i9.9942	NUM
easat-9942	459	17	©	©	ADP
easat-9942	459	18	2025	2025	NUM
easat-9942	459	19	by	by	ADP
easat-9942	459	20	the	the	DET
easat-9942	459	21	authors	author	NOUN
easat-9942	459	22	;	;	PUNCT
easat-9942	459	23	licensee	licensee	PROPN
easat-9942	459	24	learning	learning	NOUN
easat-9942	459	25	gate	gate	NOUN
easat-9942	460	1	[	[	X
easat-9942	460	2	48	48	NUM
easat-9942	460	3	]	]	PUNCT
easat-9942	460	4	r.	r.	PROPN
easat-9942	460	5	rosyidi	rosyidi	PROPN
easat-9942	460	6	,	,	PUNCT
easat-9942	460	7	introduction	introduction	NOUN
easat-9942	460	8	to	to	ADP
easat-9942	460	9	economics	economic	NOUN
easat-9942	460	10	:	:	PUNCT
easat-9942	460	11	theory	theory	NOUN
easat-9942	460	12	and	and	CCONJ
easat-9942	460	13	application	application	NOUN
easat-9942	460	14	.	.	PUNCT
easat-9942	461	1	jakarta	jakarta	PROPN
easat-9942	461	2	:	:	PUNCT
easat-9942	461	3	rajagrafindo	rajagrafindo	PROPN
easat-9942	461	4	persada	persada	PROPN
easat-9942	461	5	,	,	PUNCT
easat-9942	461	6	2007	2007	NUM
easat-9942	461	7	.	.	PUNCT
easat-9942	462	1	[	[	X
easat-9942	462	2	49	49	NUM
easat-9942	462	3	]	]	X
easat-9942	462	4	financial	financial	ADJ
easat-9942	462	5	services	service	NOUN
easat-9942	462	6	authority	authority	NOUN
easat-9942	462	7	,	,	PUNCT
easat-9942	462	8	ojk	ojk	NOUN
easat-9942	462	9	regulation	regulation	NOUN
easat-9942	462	10	number	number	NOUN
easat-9942	462	11	12	12	NUM
easat-9942	462	12	/	/	SYM
easat-9942	462	13	pojk.03/2022	pojk.03/2022	NOUN
easat-9942	462	14	concerning	concern	VERB
easat-9942	462	15	non	non	ADJ
easat-9942	462	16	-	-	ADJ
easat-9942	462	17	performing	performing	ADJ
easat-9942	462	18	loans	loan	NOUN
easat-9942	462	19	or	or	CCONJ
easat-9942	462	20	financing	financing	NOUN
easat-9942	462	21	.	.	PUNCT
easat-9942	463	1	jakarta	jakarta	PROPN
easat-9942	463	2	:	:	PUNCT
easat-9942	463	3	ojk	ojk	NOUN
easat-9942	463	4	,	,	PUNCT
easat-9942	463	5	2022	2022	NUM
easat-9942	463	6	.	.	PUNCT
easat-9942	464	1	[	[	X
easat-9942	464	2	50	50	NUM
easat-9942	464	3	]	]	PUNCT
easat-9942	464	4	a.	a.	NOUN
easat-9942	464	5	munir	munir	PROPN
easat-9942	464	6	,	,	PUNCT
easat-9942	464	7	"	"	PUNCT
easat-9942	464	8	application	application	NOUN
easat-9942	464	9	of	of	ADP
easat-9942	464	10	5c	5c	NUM
easat-9942	464	11	in	in	ADP
easat-9942	464	12	modern	modern	ADJ
easat-9942	464	13	guarantee	guarantee	NOUN
easat-9942	464	14	systems	system	NOUN
easat-9942	464	15	,	,	PUNCT
easat-9942	464	16	"	"	PUNCT
easat-9942	464	17	journal	journal	NOUN
easat-9942	464	18	of	of	ADP
easat-9942	464	19	islamic	islamic	PROPN
easat-9942	464	20	banking	banking	PROPN
easat-9942	464	21	,	,	PUNCT
easat-9942	464	22	vol	vol	NOUN
easat-9942	464	23	.	.	PROPN
easat-9942	464	24	4	4	NUM
easat-9942	464	25	,	,	PUNCT
easat-9942	464	26	no	no	INTJ
easat-9942	464	27	.	.	NOUN
easat-9942	464	28	2	2	NUM
easat-9942	464	29	,	,	PUNCT
easat-9942	464	30	pp	pp	ADJ
easat-9942	464	31	.	.	PUNCT
easat-9942	465	1	91–108	91–108	NUM
easat-9942	465	2	,	,	PUNCT
easat-9942	465	3	2023	2023	NUM
easat-9942	465	4	.	.	PUNCT
easat-9942	466	1	[	[	X
easat-9942	466	2	51	51	NUM
easat-9942	466	3	]	]	X
easat-9942	466	4	e.	e.	PROPN
easat-9942	466	5	suganda	suganda	PROPN
easat-9942	466	6	,	,	PUNCT
easat-9942	466	7	"	"	PUNCT
easat-9942	466	8	digital	digital	ADJ
easat-9942	466	9	financial	financial	ADJ
easat-9942	466	10	literacy	literacy	NOUN
easat-9942	466	11	among	among	ADP
easat-9942	466	12	msmes	msme	NOUN
easat-9942	466	13	,	,	PUNCT
easat-9942	466	14	"	"	PUNCT
easat-9942	466	15	journal	journal	NOUN
easat-9942	466	16	of	of	ADP
easat-9942	466	17	digital	digital	ADJ
easat-9942	466	18	economics	economic	NOUN
easat-9942	466	19	,	,	PUNCT
easat-9942	466	20	vol	vol	NOUN
easat-9942	466	21	.	.	PROPN
easat-9942	466	22	3	3	NUM
easat-9942	466	23	,	,	PUNCT
easat-9942	466	24	no	no	INTJ
easat-9942	466	25	.	.	NOUN
easat-9942	466	26	1	1	NUM
easat-9942	466	27	,	,	PUNCT
easat-9942	466	28	pp	pp	ADJ
easat-9942	466	29	.	.	PUNCT
easat-9942	466	30	17–29	17–29	NUM
easat-9942	466	31	,	,	PUNCT
easat-9942	466	32	2021	2021	NUM
easat-9942	466	33	.	.	PUNCT
easat-9942	467	1	[	[	X
easat-9942	467	2	52	52	NUM
easat-9942	467	3	]	]	X
easat-9942	467	4	d.	d.	PROPN
easat-9942	467	5	sembiring	sembiring	PROPN
easat-9942	467	6	,	,	PUNCT
easat-9942	467	7	"	"	PUNCT
easat-9942	467	8	shadow	shadow	NOUN
easat-9942	467	9	banking	banking	NOUN
easat-9942	467	10	and	and	CCONJ
easat-9942	467	11	financial	financial	ADJ
easat-9942	467	12	system	system	NOUN
easat-9942	467	13	resilience	resilience	NOUN
easat-9942	467	14	,	,	PUNCT
easat-9942	467	15	"	"	PUNCT
easat-9942	467	16	indonesian	indonesian	ADJ
easat-9942	467	17	financial	financial	ADJ
easat-9942	467	18	system	system	NOUN
easat-9942	467	19	journal	journal	NOUN
easat-9942	467	20	,	,	PUNCT
easat-9942	467	21	vol	vol	NOUN
easat-9942	467	22	.	.	PROPN
easat-9942	467	23	5	5	NUM
easat-9942	467	24	,	,	PUNCT
easat-9942	467	25	no	no	INTJ
easat-9942	467	26	.	.	NOUN
easat-9942	467	27	1	1	NUM
easat-9942	467	28	,	,	PUNCT
easat-9942	467	29	pp	pp	ADJ
easat-9942	467	30	.	.	PUNCT
easat-9942	468	1	67–83	67–83	NUM
easat-9942	468	2	,	,	PUNCT
easat-9942	468	3	2021	2021	NUM
easat-9942	468	4	.	.	PUNCT
easat-9942	469	1	[	[	X
easat-9942	469	2	53	53	NUM
easat-9942	469	3	]	]	PUNCT
easat-9942	469	4	h.	h.	NOUN
easat-9942	469	5	siregar	siregar	NOUN
easat-9942	469	6	,	,	PUNCT
easat-9942	469	7	"	"	PUNCT
easat-9942	469	8	credit	credit	NOUN
easat-9942	469	9	agreement	agreement	NOUN
easat-9942	469	10	law	law	NOUN
easat-9942	469	11	:	:	PUNCT
easat-9942	469	12	a	a	DET
easat-9942	469	13	review	review	NOUN
easat-9942	469	14	of	of	ADP
easat-9942	469	15	collateral	collateral	ADJ
easat-9942	469	16	enforcement	enforcement	NOUN
easat-9942	469	17	,	,	PUNCT
easat-9942	469	18	"	"	PUNCT
easat-9942	469	19	journal	journal	NOUN
easat-9942	469	20	of	of	ADP
easat-9942	469	21	business	business	NOUN
easat-9942	469	22	and	and	CCONJ
easat-9942	469	23	financial	financial	ADJ
easat-9942	469	24	law	law	NOUN
easat-9942	469	25	,	,	PUNCT
easat-9942	469	26	vol	vol	NOUN
easat-9942	469	27	.	.	PROPN
easat-9942	469	28	8	8	NUM
easat-9942	469	29	,	,	PUNCT
easat-9942	469	30	no	no	INTJ
easat-9942	469	31	.	.	NOUN
easat-9942	469	32	1	1	NUM
easat-9942	469	33	,	,	PUNCT
easat-9942	469	34	pp	pp	ADJ
easat-9942	469	35	.	.	PUNCT
easat-9942	469	36	40–55	40–55	NUM
easat-9942	469	37	,	,	PUNCT
easat-9942	469	38	2021	2021	NUM
easat-9942	469	39	.	.	PUNCT
easat-9942	470	1	[	[	X
easat-9942	470	2	54	54	NUM
easat-9942	470	3	]	]	X
easat-9942	470	4	g.	g.	PROPN
easat-9942	470	5	widjaja	widjaja	PROPN
easat-9942	470	6	,	,	PUNCT
easat-9942	470	7	indonesian	indonesian	ADJ
easat-9942	470	8	banking	banking	NOUN
easat-9942	470	9	credit	credit	NOUN
easat-9942	470	10	guarantee	guarantee	NOUN
easat-9942	470	11	law	law	NOUN
easat-9942	470	12	.	.	PUNCT
easat-9942	471	1	jakarta	jakarta	PROPN
easat-9942	471	2	:	:	PUNCT
easat-9942	471	3	rajagrafindo	rajagrafindo	PROPN
easat-9942	471	4	persada	persada	PROPN
easat-9942	471	5	,	,	PUNCT
easat-9942	471	6	2005	2005	NUM
easat-9942	471	7	.	.	PUNCT
easat-9942	472	1	[	[	X
easat-9942	472	2	55	55	NUM
easat-9942	472	3	]	]	PUNCT
easat-9942	472	4	a.	a.	NOUN
easat-9942	472	5	m.	m.	PROPN
easat-9942	472	6	yusuf	yusuf	PROPN
easat-9942	472	7	,	,	PUNCT
easat-9942	472	8	"	"	PUNCT
easat-9942	472	9	credit	credit	NOUN
easat-9942	472	10	restructuring	restructuring	NOUN
easat-9942	472	11	models	model	NOUN
easat-9942	472	12	in	in	ADP
easat-9942	472	13	times	time	NOUN
easat-9942	472	14	of	of	ADP
easat-9942	472	15	crisis	crisis	NOUN
easat-9942	472	16	,	,	PUNCT
easat-9942	472	17	"	"	PUNCT
easat-9942	472	18	journal	journal	NOUN
easat-9942	472	19	of	of	ADP
easat-9942	472	20	financial	financial	ADJ
easat-9942	472	21	risk	risk	NOUN
easat-9942	472	22	management	management	NOUN
easat-9942	472	23	,	,	PUNCT
easat-9942	472	24	vol	vol	NOUN
easat-9942	472	25	.	.	PROPN
easat-9942	473	1	3	3	NUM
easat-9942	473	2	,	,	PUNCT
easat-9942	473	3	no	no	INTJ
easat-9942	473	4	.	.	NOUN
easat-9942	473	5	2	2	NUM
easat-9942	473	6	,	,	PUNCT
easat-9942	473	7	pp	pp	ADJ
easat-9942	473	8	.	.	PUNCT
easat-9942	474	1	102–115	102–115	NUM
easat-9942	474	2	,	,	PUNCT
easat-9942	474	3	2020	2020	NUM
easat-9942	474	4	.	.	PUNCT
easat-9942	475	1	[	[	X
easat-9942	475	2	56	56	NUM
easat-9942	475	3	]	]	PUNCT
easat-9942	475	4	t.	t.	PROPN
easat-9942	475	5	beck	beck	PROPN
easat-9942	475	6	,	,	PUNCT
easat-9942	475	7	a.	a.	PROPN
easat-9942	475	8	demirgüç	demirgüç	PROPN
easat-9942	475	9	-	-	PUNCT
easat-9942	475	10	kunt	kunt	PROPN
easat-9942	475	11	,	,	PUNCT
easat-9942	475	12	and	and	CCONJ
easat-9942	475	13	r.	r.	PROPN
easat-9942	475	14	levine	levine	PROPN
easat-9942	475	15	,	,	PUNCT
easat-9942	475	16	"	"	PUNCT
easat-9942	475	17	bank	bank	NOUN
easat-9942	475	18	concentration	concentration	NOUN
easat-9942	475	19	and	and	CCONJ
easat-9942	475	20	fragility	fragility	NOUN
easat-9942	475	21	:	:	PUNCT
easat-9942	475	22	impact	impact	NOUN
easat-9942	475	23	and	and	CCONJ
easat-9942	475	24	mechanics	mechanic	NOUN
easat-9942	475	25	,	,	PUNCT
easat-9942	475	26	"	"	PUNCT
easat-9942	475	27	journal	journal	NOUN
easat-9942	475	28	of	of	ADP
easat-9942	475	29	banking	banking	NOUN
easat-9942	475	30	&	&	CCONJ
easat-9942	475	31	finance	finance	PROPN
easat-9942	475	32	,	,	PUNCT
easat-9942	475	33	vol	vol	NOUN
easat-9942	475	34	.	.	PROPN
easat-9942	475	35	30	30	NUM
easat-9942	475	36	,	,	PUNCT
easat-9942	475	37	no	no	INTJ
easat-9942	475	38	.	.	NOUN
easat-9942	475	39	5	5	NUM
easat-9942	475	40	,	,	PUNCT
easat-9942	475	41	pp	pp	ADJ
easat-9942	475	42	.	.	PUNCT
easat-9942	476	1	1581–1603	1581–1603	NUM
easat-9942	476	2	,	,	PUNCT
easat-9942	476	3	2006	2006	NUM
easat-9942	476	4	.	.	PUNCT