id	sid	tid	token	lemma	pos
emaj-156	1	1	volume	volume	NOUN
emaj-156	1	2	7	7	NUM
emaj-156	1	3	no	no	DET
emaj-156	1	4	2	2	NUM
emaj-156	1	5	(	(	PUNCT
emaj-156	1	6	2018	2018	NUM
emaj-156	1	7	)	)	PUNCT
emaj-156	2	1	|	|	ADV
emaj-156	2	2	issn	issn	VERB
emaj-156	2	3	2158	2158	NUM
emaj-156	2	4	-	-	SYM
emaj-156	2	5	8708	8708	NUM
emaj-156	2	6	(	(	PUNCT
emaj-156	2	7	online	online	NOUN
emaj-156	2	8	)	)	PUNCT
emaj-156	2	9	|	|	ADV
emaj-156	2	10	doi	doi	X
emaj-156	2	11	10.5195	10.5195	NUM
emaj-156	2	12	/	/	SYM
emaj-156	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-156	2	14	|	|	ADV
emaj-156	2	15	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	2	16	a	a	DET
emaj-156	2	17	field	field	NOUN
emaj-156	2	18	research	research	NOUN
emaj-156	2	19	to	to	PART
emaj-156	2	20	identify	identify	VERB
emaj-156	2	21	psychological	psychological	ADJ
emaj-156	2	22	factors	factor	NOUN
emaj-156	2	23	influencing	influence	VERB
emaj-156	2	24	the	the	DET
emaj-156	2	25	debt	debt	NOUN
emaj-156	2	26	repayment	repayment	NOUN
emaj-156	2	27	behavior	behavior	NOUN
emaj-156	2	28	in	in	ADP
emaj-156	2	29	turkey	turkey	PROPN
emaj-156	2	30	mehtap	mehtap	PROPN
emaj-156	2	31	özşahin	özşahin	PROPN
emaj-156	3	1	yalova	yalova	PROPN
emaj-156	3	2	university	university	NOUN
emaj-156	3	3	,	,	PUNCT
emaj-156	3	4	turkey	turkey	NOUN
emaj-156	4	1	|	|	ADV
emaj-156	4	2	mehtap.ozsahin@yalova.edu.tr	mehtap.ozsahin@yalova.edu.tr	PROPN
emaj-156	4	3	senay	senay	PROPN
emaj-156	4	4	yürür	yürür	PROPN
emaj-156	4	5	yalova	yalova	PROPN
emaj-156	4	6	university	university	NOUN
emaj-156	4	7	,	,	PUNCT
emaj-156	4	8	turkey	turkey	PROPN
emaj-156	5	1	|	|	PROPN
emaj-156	5	2	senay.yurur@yalova.edu.tr	senay.yurur@yalova.edu.tr	PROPN
emaj-156	5	3	erman	erman	PROPN
emaj-156	5	4	coşkun	coşkun	PROPN
emaj-156	5	5	mohammed	mohammed	PROPN
emaj-156	5	6	bin	bin	PROPN
emaj-156	5	7	salman	salman	PROPN
emaj-156	5	8	college	college	PROPN
emaj-156	5	9	of	of	ADP
emaj-156	5	10	entrepreneurship	entrepreneurship	NOUN
emaj-156	5	11	and	and	CCONJ
emaj-156	5	12	business	business	NOUN
emaj-156	5	13	,	,	PUNCT
emaj-156	5	14	saudi	saudi	PROPN
emaj-156	5	15	arabia|	arabia|	ADP
emaj-156	5	16	ecoskun@mbsc.edu.sa	ecoskun@mbsc.edu.sa	PROPN
emaj-156	5	17	abstract	abstract	NOUN
emaj-156	5	18	this	this	DET
emaj-156	5	19	research	research	NOUN
emaj-156	5	20	aims	aim	VERB
emaj-156	5	21	to	to	PART
emaj-156	5	22	exploratively	exploratively	ADV
emaj-156	5	23	search	search	VERB
emaj-156	5	24	relevant	relevant	ADJ
emaj-156	5	25	psychological	psychological	ADJ
emaj-156	5	26	determinants	determinant	NOUN
emaj-156	5	27	for	for	ADP
emaj-156	5	28	debt	debt	NOUN
emaj-156	5	29	repayment	repayment	NOUN
emaj-156	5	30	behavior	behavior	NOUN
emaj-156	5	31	.	.	PUNCT
emaj-156	6	1	in	in	ADP
emaj-156	6	2	this	this	DET
emaj-156	6	3	regard	regard	NOUN
emaj-156	6	4	,	,	PUNCT
emaj-156	6	5	the	the	DET
emaj-156	6	6	research	research	NOUN
emaj-156	6	7	question	question	NOUN
emaj-156	6	8	is	be	AUX
emaj-156	6	9	:	:	PUNCT
emaj-156	6	10	which	which	PRON
emaj-156	6	11	psychological	psychological	ADJ
emaj-156	6	12	factors	factor	NOUN
emaj-156	6	13	affect	affect	VERB
emaj-156	6	14	the	the	DET
emaj-156	6	15	debt	debt	NOUN
emaj-156	6	16	repayment	repayment	NOUN
emaj-156	6	17	behavior	behavior	NOUN
emaj-156	6	18	?	?	PUNCT
emaj-156	7	1	some	some	DET
emaj-156	7	2	research	research	NOUN
emaj-156	7	3	in	in	ADP
emaj-156	7	4	literature	literature	NOUN
emaj-156	7	5	argue	argue	VERB
emaj-156	7	6	that	that	SCONJ
emaj-156	7	7	the	the	DET
emaj-156	7	8	socio	socio	NOUN
emaj-156	7	9	-	-	PUNCT
emaj-156	7	10	economic	economic	ADJ
emaj-156	7	11	factors	factor	NOUN
emaj-156	7	12	alone	alone	ADV
emaj-156	7	13	may	may	AUX
emaj-156	7	14	not	not	PART
emaj-156	7	15	be	be	AUX
emaj-156	7	16	sufficient	sufficient	ADJ
emaj-156	7	17	to	to	PART
emaj-156	7	18	explain	explain	VERB
emaj-156	7	19	debt	debt	NOUN
emaj-156	7	20	and	and	CCONJ
emaj-156	7	21	repayment	repayment	NOUN
emaj-156	7	22	behavior	behavior	NOUN
emaj-156	7	23	,	,	PUNCT
emaj-156	7	24	and	and	CCONJ
emaj-156	7	25	some	some	DET
emaj-156	7	26	other	other	ADJ
emaj-156	7	27	factors	factor	NOUN
emaj-156	7	28	should	should	AUX
emaj-156	7	29	be	be	AUX
emaj-156	7	30	also	also	ADV
emaj-156	7	31	utilized	utilize	VERB
emaj-156	7	32	.	.	PUNCT
emaj-156	8	1	this	this	DET
emaj-156	8	2	study	study	NOUN
emaj-156	8	3	will	will	AUX
emaj-156	8	4	focus	focus	VERB
emaj-156	8	5	on	on	ADP
emaj-156	8	6	psychological	psychological	ADJ
emaj-156	8	7	factors	factor	NOUN
emaj-156	8	8	consisting	consist	VERB
emaj-156	8	9	of	of	ADP
emaj-156	8	10	personality	personality	NOUN
emaj-156	8	11	and	and	CCONJ
emaj-156	8	12	attitudes	attitude	NOUN
emaj-156	8	13	.	.	PUNCT
emaj-156	9	1	to	to	ADP
emaj-156	9	2	the	the	DET
emaj-156	9	3	our	our	PRON
emaj-156	9	4	best	good	ADJ
emaj-156	9	5	knowledge	knowledge	NOUN
emaj-156	9	6	,	,	PUNCT
emaj-156	9	7	in	in	ADP
emaj-156	9	8	turkey	turkey	NOUN
emaj-156	9	9	there	there	PRON
emaj-156	9	10	is	be	VERB
emaj-156	9	11	very	very	ADV
emaj-156	9	12	limited	limited	ADJ
emaj-156	9	13	amount	amount	NOUN
emaj-156	9	14	of	of	ADP
emaj-156	9	15	research	research	NOUN
emaj-156	9	16	conducted	conduct	VERB
emaj-156	9	17	in	in	ADP
emaj-156	9	18	this	this	DET
emaj-156	9	19	area	area	NOUN
emaj-156	9	20	and	and	CCONJ
emaj-156	9	21	as	as	ADP
emaj-156	9	22	one	one	NUM
emaj-156	9	23	of	of	ADP
emaj-156	9	24	the	the	DET
emaj-156	9	25	highest	high	ADJ
emaj-156	9	26	individual	individual	ADJ
emaj-156	9	27	credit	credit	NOUN
emaj-156	9	28	using	use	VERB
emaj-156	9	29	countries	country	NOUN
emaj-156	9	30	it	it	PRON
emaj-156	9	31	is	be	AUX
emaj-156	9	32	essential	essential	ADJ
emaj-156	9	33	to	to	PART
emaj-156	9	34	use	use	VERB
emaj-156	9	35	psychological	psychological	ADJ
emaj-156	9	36	factors	factor	NOUN
emaj-156	9	37	in	in	ADP
emaj-156	9	38	credit	credit	NOUN
emaj-156	9	39	risk	risk	NOUN
emaj-156	9	40	evaluation	evaluation	NOUN
emaj-156	9	41	processes	process	NOUN
emaj-156	9	42	.	.	PUNCT
emaj-156	10	1	thus	thus	ADV
emaj-156	10	2	,	,	PUNCT
emaj-156	10	3	this	this	DET
emaj-156	10	4	research	research	NOUN
emaj-156	10	5	,	,	PUNCT
emaj-156	10	6	examines	examine	VERB
emaj-156	10	7	effects	effect	NOUN
emaj-156	10	8	of	of	ADP
emaj-156	10	9	personality	personality	NOUN
emaj-156	10	10	characteristics	characteristic	NOUN
emaj-156	10	11	and	and	CCONJ
emaj-156	10	12	attitude	attitude	NOUN
emaj-156	10	13	on	on	ADP
emaj-156	10	14	debt	debt	NOUN
emaj-156	10	15	repayment	repayment	NOUN
emaj-156	10	16	behavior	behavior	NOUN
emaj-156	10	17	in	in	ADP
emaj-156	10	18	the	the	DET
emaj-156	10	19	context	context	NOUN
emaj-156	10	20	of	of	ADP
emaj-156	10	21	turkish	turkish	ADJ
emaj-156	10	22	culture	culture	NOUN
emaj-156	10	23	,	,	PUNCT
emaj-156	10	24	and	and	CCONJ
emaj-156	10	25	is	be	AUX
emaj-156	10	26	expected	expect	VERB
emaj-156	10	27	to	to	PART
emaj-156	10	28	fill	fill	VERB
emaj-156	10	29	a	a	DET
emaj-156	10	30	gap	gap	NOUN
emaj-156	10	31	and	and	CCONJ
emaj-156	10	32	to	to	PART
emaj-156	10	33	contribute	contribute	VERB
emaj-156	10	34	to	to	ADP
emaj-156	10	35	both	both	CCONJ
emaj-156	10	36	national	national	ADJ
emaj-156	10	37	and	and	CCONJ
emaj-156	10	38	international	international	ADJ
emaj-156	10	39	literatures	literature	NOUN
emaj-156	10	40	.	.	PUNCT
emaj-156	11	1	the	the	DET
emaj-156	11	2	study	study	NOUN
emaj-156	11	3	utilizes	utilize	VERB
emaj-156	11	4	qualitative	qualitative	ADJ
emaj-156	11	5	research	research	NOUN
emaj-156	11	6	methodology	methodology	NOUN
emaj-156	11	7	to	to	PART
emaj-156	11	8	explore	explore	VERB
emaj-156	11	9	psychological	psychological	ADJ
emaj-156	11	10	determinants	determinant	NOUN
emaj-156	11	11	and	and	CCONJ
emaj-156	11	12	their	their	PRON
emaj-156	11	13	effects	effect	NOUN
emaj-156	11	14	on	on	ADP
emaj-156	11	15	debt	debt	NOUN
emaj-156	11	16	repayment	repayment	NOUN
emaj-156	11	17	behavior	behavior	NOUN
emaj-156	11	18	.	.	PUNCT
emaj-156	12	1	in	in	ADP
emaj-156	12	2	depth	depth	NOUN
emaj-156	12	3	interview	interview	NOUN
emaj-156	12	4	research	research	NOUN
emaj-156	12	5	methodology	methodology	NOUN
emaj-156	12	6	has	have	AUX
emaj-156	12	7	been	be	AUX
emaj-156	12	8	used	use	VERB
emaj-156	12	9	to	to	PART
emaj-156	12	10	explore	explore	VERB
emaj-156	12	11	the	the	DET
emaj-156	12	12	personality	personality	NOUN
emaj-156	12	13	characteristics	characteristic	NOUN
emaj-156	12	14	and	and	CCONJ
emaj-156	12	15	attitude	attitude	NOUN
emaj-156	12	16	influencing	influence	VERB
emaj-156	12	17	debt	debt	NOUN
emaj-156	12	18	repayment	repayment	NOUN
emaj-156	12	19	behavior	behavior	NOUN
emaj-156	12	20	.	.	PUNCT
emaj-156	13	1	the	the	DET
emaj-156	13	2	research	research	NOUN
emaj-156	13	3	findings	finding	NOUN
emaj-156	13	4	revealed	reveal	VERB
emaj-156	13	5	that	that	SCONJ
emaj-156	13	6	,	,	PUNCT
emaj-156	13	7	the	the	DET
emaj-156	13	8	responsibility	responsibility	NOUN
emaj-156	13	9	,	,	PUNCT
emaj-156	13	10	long	long	ADJ
emaj-156	13	11	term	term	NOUN
emaj-156	13	12	orientation	orientation	NOUN
emaj-156	13	13	,	,	PUNCT
emaj-156	13	14	sanction	sanction	NOUN
emaj-156	13	15	fear	fear	NOUN
emaj-156	13	16	,	,	PUNCT
emaj-156	13	17	sense	sense	NOUN
emaj-156	13	18	of	of	ADP
emaj-156	13	19	collectivism	collectivism	NOUN
emaj-156	13	20	,	,	PUNCT
emaj-156	13	21	rational	rational	ADJ
emaj-156	13	22	decision	decision	NOUN
emaj-156	13	23	making	making	NOUN
emaj-156	13	24	and	and	CCONJ
emaj-156	13	25	risk	risk	NOUN
emaj-156	13	26	aversion	aversion	NOUN
emaj-156	13	27	are	be	AUX
emaj-156	13	28	main	main	ADJ
emaj-156	13	29	characteristics	characteristic	NOUN
emaj-156	13	30	of	of	ADP
emaj-156	13	31	regular	regular	ADJ
emaj-156	13	32	payers	payer	NOUN
emaj-156	13	33	,	,	PUNCT
emaj-156	13	34	while	while	SCONJ
emaj-156	13	35	external	external	ADJ
emaj-156	13	36	locus	locus	NOUN
emaj-156	13	37	of	of	ADP
emaj-156	13	38	control	control	NOUN
emaj-156	13	39	,	,	PUNCT
emaj-156	13	40	irresponsibility	irresponsibility	NOUN
emaj-156	13	41	,	,	PUNCT
emaj-156	13	42	short	short	ADJ
emaj-156	13	43	term	term	NOUN
emaj-156	13	44	orientation	orientation	NOUN
emaj-156	13	45	,	,	PUNCT
emaj-156	13	46	irrational	irrational	ADJ
emaj-156	13	47	decision	decision	NOUN
emaj-156	13	48	making	making	NOUN
emaj-156	13	49	,	,	PUNCT
emaj-156	13	50	emotional	emotional	ADJ
emaj-156	13	51	imbalance	imbalance	NOUN
emaj-156	13	52	are	be	AUX
emaj-156	13	53	common	common	ADJ
emaj-156	13	54	characteristics	characteristic	NOUN
emaj-156	13	55	of	of	ADP
emaj-156	13	56	irregular	irregular	ADJ
emaj-156	13	57	payers	payer	NOUN
emaj-156	13	58	.	.	PUNCT
emaj-156	14	1	so	so	ADV
emaj-156	14	2	,	,	PUNCT
emaj-156	14	3	according	accord	VERB
emaj-156	14	4	to	to	ADP
emaj-156	14	5	findings	finding	NOUN
emaj-156	14	6	,	,	PUNCT
emaj-156	14	7	,	,	PUNCT
emaj-156	14	8	conscientious	conscientious	ADJ
emaj-156	14	9	,	,	PUNCT
emaj-156	14	10	time	time	NOUN
emaj-156	14	11	orientation	orientation	NOUN
emaj-156	14	12	,	,	PUNCT
emaj-156	14	13	sanction	sanction	NOUN
emaj-156	14	14	fear	fear	NOUN
emaj-156	14	15	,	,	PUNCT
emaj-156	14	16	sense	sense	NOUN
emaj-156	14	17	of	of	ADP
emaj-156	14	18	collectivism	collectivism	NOUN
emaj-156	14	19	,	,	PUNCT
emaj-156	14	20	locus	locus	NOUN
emaj-156	14	21	of	of	ADP
emaj-156	14	22	control	control	NOUN
emaj-156	14	23	and	and	CCONJ
emaj-156	14	24	decision	decision	NOUN
emaj-156	14	25	making	make	VERB
emaj-156	14	26	style	style	NOUN
emaj-156	14	27	can	can	AUX
emaj-156	14	28	be	be	AUX
emaj-156	14	29	enlisted	enlist	VERB
emaj-156	14	30	as	as	ADP
emaj-156	14	31	primary	primary	ADJ
emaj-156	14	32	personal	personal	ADJ
emaj-156	14	33	and	and	CCONJ
emaj-156	14	34	attitudinal	attitudinal	ADJ
emaj-156	14	35	factors	factor	NOUN
emaj-156	14	36	explaining	explain	VERB
emaj-156	14	37	the	the	DET
emaj-156	14	38	repayment	repayment	NOUN
emaj-156	14	39	behavior	behavior	NOUN
emaj-156	14	40	.	.	PUNCT
emaj-156	15	1	keywords	keyword	NOUN
emaj-156	15	2	:	:	PUNCT
emaj-156	15	3	debt	debt	NOUN
emaj-156	15	4	repayment	repayment	NOUN
emaj-156	15	5	,	,	PUNCT
emaj-156	15	6	personality	personality	NOUN
emaj-156	15	7	,	,	PUNCT
emaj-156	15	8	attitude	attitude	NOUN
emaj-156	15	9	,	,	PUNCT
emaj-156	15	10	psychological	psychological	ADJ
emaj-156	15	11	factors	factor	NOUN
emaj-156	15	12	,	,	PUNCT
emaj-156	15	13	qualitative	qualitative	ADJ
emaj-156	15	14	method	method	NOUN
emaj-156	15	15	new	new	ADJ
emaj-156	15	16	articles	article	NOUN
emaj-156	15	17	in	in	ADP
emaj-156	15	18	this	this	DET
emaj-156	15	19	journal	journal	NOUN
emaj-156	15	20	are	be	AUX
emaj-156	15	21	licensed	license	VERB
emaj-156	15	22	under	under	ADP
emaj-156	15	23	a	a	DET
emaj-156	15	24	creative	creative	ADJ
emaj-156	15	25	commons	common	NOUN
emaj-156	15	26	attribution	attribution	NOUN
emaj-156	15	27	3.0	3.0	NUM
emaj-156	15	28	united	unite	VERB
emaj-156	15	29	states	states	PROPN
emaj-156	15	30	license	license	NOUN
emaj-156	15	31	.	.	PUNCT
emaj-156	16	1	this	this	DET
emaj-156	16	2	journal	journal	NOUN
emaj-156	16	3	is	be	AUX
emaj-156	16	4	published	publish	VERB
emaj-156	16	5	by	by	ADP
emaj-156	16	6	the	the	DET
emaj-156	16	7	university	university	NOUN
emaj-156	16	8	library	library	NOUN
emaj-156	16	9	system	system	NOUN
emaj-156	16	10	of	of	ADP
emaj-156	16	11	the	the	DET
emaj-156	16	12	university	university	PROPN
emaj-156	16	13	of	of	ADP
emaj-156	16	14	pittsburgh	pittsburgh	PROPN
emaj-156	16	15	as	as	ADP
emaj-156	16	16	part	part	NOUN
emaj-156	16	17	of	of	ADP
emaj-156	16	18	its	its	PRON
emaj-156	16	19	d	d	NOUN
emaj-156	16	20	-	-	PUNCT
emaj-156	16	21	scribe	scribe	VERB
emaj-156	16	22	digital	digital	ADJ
emaj-156	16	23	publishing	publishing	NOUN
emaj-156	16	24	program	program	NOUN
emaj-156	16	25	,	,	PUNCT
emaj-156	16	26	and	and	CCONJ
emaj-156	16	27	is	be	AUX
emaj-156	16	28	cosponsored	cosponsor	VERB
emaj-156	16	29	by	by	ADP
emaj-156	16	30	the	the	DET
emaj-156	16	31	university	university	PROPN
emaj-156	16	32	of	of	ADP
emaj-156	16	33	pittsburgh	pittsburgh	PROPN
emaj-156	16	34	press	press	NOUN
emaj-156	16	35	.	.	PUNCT
emaj-156	17	1	volume	volume	NOUN
emaj-156	17	2	8	8	NUM
emaj-156	17	3	no	no	DET
emaj-156	17	4	2	2	NUM
emaj-156	17	5	(	(	PUNCT
emaj-156	17	6	2018	2018	NUM
emaj-156	17	7	)	)	PUNCT
emaj-156	17	8	|	|	ADV
emaj-156	17	9	issn	issn	VERB
emaj-156	17	10	2158	2158	NUM
emaj-156	17	11	-	-	SYM
emaj-156	17	12	8708	8708	NUM
emaj-156	17	13	(	(	PUNCT
emaj-156	17	14	online	online	NOUN
emaj-156	17	15	)	)	PUNCT
emaj-156	17	16	|	|	ADV
emaj-156	17	17	doi	doi	X
emaj-156	17	18	10.5195	10.5195	NUM
emaj-156	17	19	/	/	SYM
emaj-156	17	20	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	18	1	|	|	ADV
emaj-156	18	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	19	1	|	|	ADV
emaj-156	19	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-156	19	3	mailto:mehtap.ozsahin@yalova.edu.tr	mailto:mehtap.ozsahin@yalova.edu.tr	PROPN
emaj-156	19	4	mailto:senay.yurur@yalova.edu.tr	mailto:senay.yurur@yalova.edu.tr	PROPN
emaj-156	19	5	mailto:ecoskun@mbsc.edu.sa	mailto:ecoskun@mbsc.edu.sa	PROPN
emaj-156	19	6	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-156	19	7	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-156	19	8	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	PUNCT
emaj-156	20	1	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-156	20	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-156	20	3	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-156	21	1	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-156	21	2	volume	volume	NOUN
emaj-156	21	3	8	8	NUM
emaj-156	21	4	no	no	DET
emaj-156	21	5	2	2	NUM
emaj-156	21	6	(	(	PUNCT
emaj-156	21	7	2018	2018	NUM
emaj-156	21	8	)	)	PUNCT
emaj-156	22	1	|	|	ADV
emaj-156	22	2	issn	issn	VERB
emaj-156	22	3	2158	2158	NUM
emaj-156	22	4	-	-	SYM
emaj-156	22	5	8708	8708	NUM
emaj-156	22	6	(	(	PUNCT
emaj-156	22	7	online	online	NOUN
emaj-156	22	8	)	)	PUNCT
emaj-156	22	9	|	|	ADV
emaj-156	22	10	doi	doi	X
emaj-156	22	11	10.5195	10.5195	NUM
emaj-156	22	12	/	/	SYM
emaj-156	22	13	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	22	14	|	|	ADV
emaj-156	22	15	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	22	16	a	a	DET
emaj-156	22	17	field	field	NOUN
emaj-156	22	18	research	research	NOUN
emaj-156	22	19	to	to	PART
emaj-156	22	20	identify	identify	VERB
emaj-156	22	21	psychological	psychological	ADJ
emaj-156	22	22	factors	factor	NOUN
emaj-156	22	23	influencing	influence	VERB
emaj-156	22	24	the	the	DET
emaj-156	22	25	debt	debt	NOUN
emaj-156	22	26	repayment	repayment	NOUN
emaj-156	22	27	behavior	behavior	NOUN
emaj-156	22	28	in	in	ADP
emaj-156	22	29	turkey	turkey	NOUN
emaj-156	22	30	page	page	NOUN
emaj-156	22	31	|26|	|26|	NOUN
emaj-156	22	32	emerging	emerge	VERB
emaj-156	22	33	markets	market	NOUN
emaj-156	22	34	journal	journal	VERB
emaj-156	22	35	a	a	DET
emaj-156	22	36	field	field	NOUN
emaj-156	22	37	research	research	NOUN
emaj-156	22	38	to	to	PART
emaj-156	22	39	identify	identify	VERB
emaj-156	22	40	psychological	psychological	ADJ
emaj-156	22	41	factors	factor	NOUN
emaj-156	22	42	influencing	influence	VERB
emaj-156	22	43	the	the	DET
emaj-156	22	44	debt	debt	NOUN
emaj-156	22	45	repayment	repayment	NOUN
emaj-156	22	46	behavior	behavior	NOUN
emaj-156	22	47	in	in	ADP
emaj-156	22	48	turkey	turkey	NOUN
emaj-156	22	49	mehtap	mehtap	NOUN
emaj-156	22	50	özşahin	özşahin	PROPN
emaj-156	22	51	senay	senay	NOUN
emaj-156	22	52	yürür	yürür	PROPN
emaj-156	22	53	erman	erman	PROPN
emaj-156	22	54	coşkun	coşkun	PROPN
emaj-156	22	55	1	1	NUM
emaj-156	22	56	.	.	PUNCT
emaj-156	22	57	introduction	introduction	NOUN
emaj-156	22	58	in	in	ADP
emaj-156	22	59	practice	practice	NOUN
emaj-156	22	60	,	,	PUNCT
emaj-156	22	61	most	most	ADJ
emaj-156	22	62	of	of	ADP
emaj-156	22	63	the	the	DET
emaj-156	22	64	financial	financial	ADJ
emaj-156	22	65	institutions	institution	NOUN
emaj-156	22	66	make	make	VERB
emaj-156	22	67	credit	credit	NOUN
emaj-156	22	68	decisions	decision	NOUN
emaj-156	22	69	based	base	VERB
emaj-156	22	70	on	on	ADP
emaj-156	22	71	socio	socio	NOUN
emaj-156	22	72	economic	economic	ADJ
emaj-156	22	73	or	or	CCONJ
emaj-156	22	74	demographic	demographic	ADJ
emaj-156	22	75	data	datum	NOUN
emaj-156	22	76	and	and	CCONJ
emaj-156	22	77	they	they	PRON
emaj-156	22	78	do	do	AUX
emaj-156	22	79	not	not	PART
emaj-156	22	80	use	use	VERB
emaj-156	22	81	personality	personality	NOUN
emaj-156	22	82	related	relate	VERB
emaj-156	22	83	factors	factor	NOUN
emaj-156	22	84	in	in	ADP
emaj-156	22	85	credit	credit	NOUN
emaj-156	22	86	granting	grant	VERB
emaj-156	22	87	process	process	NOUN
emaj-156	22	88	.	.	PUNCT
emaj-156	23	1	according	accord	VERB
emaj-156	23	2	to	to	ADP
emaj-156	23	3	interactionist	interactionist	PROPN
emaj-156	23	4	perspective	perspective	NOUN
emaj-156	23	5	in	in	ADP
emaj-156	23	6	psychology	psychology	NOUN
emaj-156	23	7	,	,	PUNCT
emaj-156	23	8	individuals	individual	NOUN
emaj-156	23	9	’	'	PUNCT
emaj-156	23	10	behaviors	behavior	NOUN
emaj-156	23	11	are	be	AUX
emaj-156	23	12	traced	trace	VERB
emaj-156	23	13	by	by	ADP
emaj-156	23	14	not	not	PART
emaj-156	23	15	only	only	ADV
emaj-156	23	16	environmental	environmental	ADJ
emaj-156	23	17	and	and	CCONJ
emaj-156	23	18	situational	situational	ADJ
emaj-156	23	19	factors	factor	NOUN
emaj-156	23	20	,	,	PUNCT
emaj-156	23	21	but	but	CCONJ
emaj-156	23	22	also	also	ADV
emaj-156	23	23	individuals	individual	NOUN
emaj-156	23	24	’	'	PUNCT
emaj-156	23	25	needs	need	NOUN
emaj-156	23	26	and	and	CCONJ
emaj-156	23	27	personality	personality	NOUN
emaj-156	23	28	traits	trait	NOUN
emaj-156	23	29	.	.	PUNCT
emaj-156	24	1	based	base	VERB
emaj-156	24	2	on	on	ADP
emaj-156	24	3	this	this	DET
emaj-156	24	4	approach	approach	NOUN
emaj-156	24	5	,	,	PUNCT
emaj-156	24	6	it	it	PRON
emaj-156	24	7	is	be	AUX
emaj-156	24	8	apparent	apparent	ADJ
emaj-156	24	9	that	that	SCONJ
emaj-156	24	10	individuals	individual	NOUN
emaj-156	24	11	’	'	PUNCT
emaj-156	24	12	personality	personality	NOUN
emaj-156	24	13	traits	trait	NOUN
emaj-156	24	14	can	can	AUX
emaj-156	24	15	be	be	AUX
emaj-156	24	16	featured	feature	VERB
emaj-156	24	17	as	as	ADP
emaj-156	24	18	primary	primary	ADJ
emaj-156	24	19	determinants	determinant	NOUN
emaj-156	24	20	of	of	ADP
emaj-156	24	21	debt	debt	NOUN
emaj-156	24	22	repayment	repayment	NOUN
emaj-156	24	23	behavior	behavior	NOUN
emaj-156	24	24	.	.	PUNCT
emaj-156	25	1	however	however	ADV
emaj-156	25	2	,	,	PUNCT
emaj-156	25	3	in	in	ADP
emaj-156	25	4	practice	practice	NOUN
emaj-156	25	5	,	,	PUNCT
emaj-156	25	6	most	most	ADJ
emaj-156	25	7	of	of	ADP
emaj-156	25	8	the	the	DET
emaj-156	25	9	financial	financial	ADJ
emaj-156	25	10	institutions	institution	NOUN
emaj-156	25	11	do	do	AUX
emaj-156	25	12	not	not	PART
emaj-156	25	13	use	use	VERB
emaj-156	25	14	personality	personality	NOUN
emaj-156	25	15	related	relate	VERB
emaj-156	25	16	factors	factor	NOUN
emaj-156	25	17	in	in	ADP
emaj-156	25	18	credit	credit	NOUN
emaj-156	25	19	granting	grant	VERB
emaj-156	25	20	process	process	NOUN
emaj-156	25	21	and	and	CCONJ
emaj-156	25	22	to	to	ADP
emaj-156	25	23	the	the	DET
emaj-156	25	24	best	good	ADJ
emaj-156	25	25	of	of	ADP
emaj-156	25	26	our	our	PRON
emaj-156	25	27	knowledge	knowledge	NOUN
emaj-156	25	28	,	,	PUNCT
emaj-156	25	29	there	there	PRON
emaj-156	25	30	are	be	VERB
emaj-156	25	31	a	a	DET
emaj-156	25	32	few	few	ADJ
emaj-156	25	33	studies	study	NOUN
emaj-156	25	34	in	in	ADP
emaj-156	25	35	this	this	DET
emaj-156	25	36	area	area	NOUN
emaj-156	25	37	.	.	PUNCT
emaj-156	26	1	these	these	DET
emaj-156	26	2	facts	fact	NOUN
emaj-156	26	3	were	be	AUX
emaj-156	26	4	the	the	DET
emaj-156	26	5	motivation	motivation	NOUN
emaj-156	26	6	of	of	ADP
emaj-156	26	7	this	this	DET
emaj-156	26	8	study	study	NOUN
emaj-156	26	9	.	.	PUNCT
emaj-156	27	1	in	in	ADP
emaj-156	27	2	practice	practice	NOUN
emaj-156	27	3	,	,	PUNCT
emaj-156	27	4	customers	customer	NOUN
emaj-156	27	5	’	'	PUNCT
emaj-156	27	6	financial	financial	ADJ
emaj-156	27	7	history	history	NOUN
emaj-156	27	8	is	be	AUX
emaj-156	27	9	the	the	DET
emaj-156	27	10	first	first	ADJ
emaj-156	27	11	variable	variable	NOUN
emaj-156	27	12	considered	consider	VERB
emaj-156	27	13	in	in	ADP
emaj-156	27	14	credit	credit	NOUN
emaj-156	27	15	score	score	NOUN
emaj-156	27	16	assessment	assessment	NOUN
emaj-156	27	17	and	and	CCONJ
emaj-156	27	18	decisions	decision	NOUN
emaj-156	27	19	.	.	PUNCT
emaj-156	28	1	if	if	SCONJ
emaj-156	28	2	a	a	DET
emaj-156	28	3	person	person	NOUN
emaj-156	28	4	does	do	AUX
emaj-156	28	5	not	not	PART
emaj-156	28	6	have	have	VERB
emaj-156	28	7	any	any	DET
emaj-156	28	8	registered	register	VERB
emaj-156	28	9	credit	credit	NOUN
emaj-156	28	10	or	or	CCONJ
emaj-156	28	11	financial	financial	ADJ
emaj-156	28	12	history	history	NOUN
emaj-156	28	13	,	,	PUNCT
emaj-156	28	14	other	other	ADJ
emaj-156	28	15	possible	possible	ADJ
emaj-156	28	16	indicators	indicator	NOUN
emaj-156	28	17	such	such	ADJ
emaj-156	28	18	as	as	ADP
emaj-156	28	19	socio	socio	NOUN
emaj-156	28	20	economic	economic	ADJ
emaj-156	28	21	and	and	CCONJ
emaj-156	28	22	demographic	demographic	ADJ
emaj-156	28	23	factors	factor	NOUN
emaj-156	28	24	including	include	VERB
emaj-156	28	25	income	income	NOUN
emaj-156	28	26	level	level	NOUN
emaj-156	28	27	,	,	PUNCT
emaj-156	28	28	spending	spending	NOUN
emaj-156	28	29	attitude	attitude	NOUN
emaj-156	28	30	,	,	PUNCT
emaj-156	28	31	occupation	occupation	NOUN
emaj-156	28	32	,	,	PUNCT
emaj-156	28	33	etc	etc	X
emaj-156	28	34	.	.	X
emaj-156	28	35	are	be	AUX
emaj-156	28	36	considered	consider	VERB
emaj-156	28	37	by	by	ADP
emaj-156	28	38	credit	credit	NOUN
emaj-156	28	39	assessors	assessor	NOUN
emaj-156	28	40	.	.	PUNCT
emaj-156	29	1	the	the	DET
emaj-156	29	2	main	main	ADJ
emaj-156	29	3	objective	objective	NOUN
emaj-156	29	4	of	of	ADP
emaj-156	29	5	including	include	VERB
emaj-156	29	6	those	those	DET
emaj-156	29	7	socio	socio	NOUN
emaj-156	29	8	-	-	PUNCT
emaj-156	29	9	economic	economic	ADJ
emaj-156	29	10	and	and	CCONJ
emaj-156	29	11	demographic	demographic	ADJ
emaj-156	29	12	factors	factor	NOUN
emaj-156	29	13	in	in	ADP
emaj-156	29	14	assessment	assessment	NOUN
emaj-156	29	15	process	process	NOUN
emaj-156	29	16	is	be	AUX
emaj-156	29	17	to	to	PART
emaj-156	29	18	predict	predict	VERB
emaj-156	29	19	debt	debt	NOUN
emaj-156	29	20	repayment	repayment	NOUN
emaj-156	29	21	behavior	behavior	NOUN
emaj-156	29	22	of	of	ADP
emaj-156	29	23	a	a	DET
emaj-156	29	24	person	person	NOUN
emaj-156	29	25	.	.	PUNCT
emaj-156	30	1	in	in	ADP
emaj-156	30	2	last	last	ADJ
emaj-156	30	3	decade	decade	NOUN
emaj-156	30	4	,	,	PUNCT
emaj-156	30	5	besides	besides	SCONJ
emaj-156	30	6	socioeconomic	socioeconomic	ADJ
emaj-156	30	7	and	and	CCONJ
emaj-156	30	8	demographic	demographic	ADJ
emaj-156	30	9	factors	factor	NOUN
emaj-156	30	10	,	,	PUNCT
emaj-156	30	11	psychological	psychological	ADJ
emaj-156	30	12	factors	factor	NOUN
emaj-156	30	13	consisting	consist	VERB
emaj-156	30	14	of	of	ADP
emaj-156	30	15	personality	personality	NOUN
emaj-156	30	16	traits	trait	NOUN
emaj-156	30	17	,	,	PUNCT
emaj-156	30	18	attitudes	attitude	NOUN
emaj-156	30	19	and	and	CCONJ
emaj-156	30	20	behaviors	behavior	NOUN
emaj-156	30	21	have	have	AUX
emaj-156	30	22	been	be	AUX
emaj-156	30	23	emphasized	emphasize	VERB
emaj-156	30	24	as	as	ADP
emaj-156	30	25	potential	potential	ADJ
emaj-156	30	26	predictors	predictor	NOUN
emaj-156	30	27	of	of	ADP
emaj-156	30	28	repayment	repayment	NOUN
emaj-156	30	29	behavior	behavior	NOUN
emaj-156	30	30	in	in	ADP
emaj-156	30	31	debt	debt	NOUN
emaj-156	30	32	related	relate	VERB
emaj-156	30	33	studies	study	NOUN
emaj-156	30	34	.	.	PUNCT
emaj-156	31	1	self	self	NOUN
emaj-156	31	2	-	-	PUNCT
emaj-156	31	3	esteem	esteem	NOUN
emaj-156	31	4	,	,	PUNCT
emaj-156	31	5	self	self	NOUN
emaj-156	31	6	-	-	PUNCT
emaj-156	31	7	efficacy	efficacy	NOUN
emaj-156	31	8	,	,	PUNCT
emaj-156	31	9	locus	locus	NOUN
emaj-156	31	10	of	of	ADP
emaj-156	31	11	control	control	NOUN
emaj-156	31	12	,	,	PUNCT
emaj-156	31	13	attitudes	attitude	NOUN
emaj-156	31	14	towards	towards	ADP
emaj-156	31	15	money	money	NOUN
emaj-156	31	16	and	and	CCONJ
emaj-156	31	17	debt	debt	NOUN
emaj-156	31	18	,	,	PUNCT
emaj-156	31	19	risk	risk	NOUN
emaj-156	31	20	attitude	attitude	NOUN
emaj-156	31	21	,	,	PUNCT
emaj-156	31	22	financial	financial	ADJ
emaj-156	31	23	literacy	literacy	NOUN
emaj-156	31	24	,	,	PUNCT
emaj-156	31	25	time	time	NOUN
emaj-156	31	26	horizon	horizon	NOUN
emaj-156	31	27	,	,	PUNCT
emaj-156	31	28	social	social	ADJ
emaj-156	31	29	comparison	comparison	NOUN
emaj-156	31	30	and	and	CCONJ
emaj-156	31	31	compulsive	compulsive	ADJ
emaj-156	31	32	buying	buying	NOUN
emaj-156	31	33	behavior	behavior	NOUN
emaj-156	31	34	are	be	AUX
emaj-156	31	35	some	some	PRON
emaj-156	31	36	of	of	ADP
emaj-156	31	37	the	the	DET
emaj-156	31	38	psychological	psychological	ADJ
emaj-156	31	39	factors	factor	NOUN
emaj-156	31	40	examined	examine	VERB
emaj-156	31	41	by	by	ADP
emaj-156	31	42	researchers	researcher	NOUN
emaj-156	31	43	to	to	PART
emaj-156	31	44	explain	explain	VERB
emaj-156	31	45	problematic	problematic	ADJ
emaj-156	31	46	debts	debt	NOUN
emaj-156	31	47	(	(	PUNCT
emaj-156	31	48	vieira	vieira	NOUN
emaj-156	31	49	,	,	PUNCT
emaj-156	31	50	rovedder	rovedder	PROPN
emaj-156	31	51	de	de	PROPN
emaj-156	31	52	oliveira	oliveira	PROPN
emaj-156	31	53	and	and	CCONJ
emaj-156	31	54	kunkel	kunkel	PROPN
emaj-156	31	55	,	,	PUNCT
emaj-156	31	56	2016	2016	NUM
emaj-156	31	57	;	;	PUNCT
emaj-156	31	58	harrison	harrison	PROPN
emaj-156	31	59	,	,	PUNCT
emaj-156	31	60	agnew	agnew	PROPN
emaj-156	31	61	and	and	CCONJ
emaj-156	31	62	serido	serido	NOUN
emaj-156	31	63	,	,	PUNCT
emaj-156	31	64	2015	2015	NUM
emaj-156	31	65	;	;	PUNCT
emaj-156	31	66	achtziger	achtziger	ADJ
emaj-156	31	67	,	,	PUNCT
emaj-156	31	68	hubert	hubert	PROPN
emaj-156	31	69	,	,	PUNCT
emaj-156	31	70	kenning	kenning	PROPN
emaj-156	31	71	,	,	PUNCT
emaj-156	31	72	raab	raab	NOUN
emaj-156	31	73	and	and	CCONJ
emaj-156	31	74	reisch	reisch	NOUN
emaj-156	31	75	,	,	PUNCT
emaj-156	31	76	2015	2015	NUM
emaj-156	31	77	;	;	PUNCT
emaj-156	31	78	stumm	stumm	PROPN
emaj-156	31	79	,	,	PUNCT
emaj-156	31	80	o’creevy	o’creevy	PROPN
emaj-156	31	81	and	and	CCONJ
emaj-156	31	82	furnham	furnham	PROPN
emaj-156	31	83	,	,	PUNCT
emaj-156	31	84	2013	2013	NUM
emaj-156	31	85	;	;	PUNCT
emaj-156	31	86	rogers	roger	NOUN
emaj-156	31	87	,	,	PUNCT
emaj-156	31	88	rogers	roger	NOUN
emaj-156	31	89	and	and	CCONJ
emaj-156	31	90	securato	securato	PROPN
emaj-156	31	91	,	,	PUNCT
emaj-156	31	92	2015	2015	NUM
emaj-156	31	93	;	;	PUNCT
emaj-156	31	94	arya	arya	NOUN
emaj-156	31	95	,	,	PUNCT
emaj-156	31	96	eckel	eckel	NOUN
emaj-156	31	97	and	and	CCONJ
emaj-156	31	98	wichman	wichman	NOUN
emaj-156	31	99	,	,	PUNCT
emaj-156	31	100	2013	2013	NUM
emaj-156	31	101	;	;	PUNCT
emaj-156	31	102	gathergood,2012	gathergood,2012	PROPN
emaj-156	31	103	;	;	PUNCT
emaj-156	31	104	wang	wang	PROPN
emaj-156	31	105	,	,	PUNCT
emaj-156	31	106	lu	lu	PROPN
emaj-156	31	107	&	&	CCONJ
emaj-156	31	108	malhotra	malhotra	PROPN
emaj-156	31	109	,	,	PUNCT
emaj-156	31	110	2011	2011	NUM
emaj-156	31	111	;	;	PUNCT
emaj-156	31	112	mewse	mewse	VERB
emaj-156	31	113	,	,	PUNCT
emaj-156	31	114	lea	lea	NOUN
emaj-156	31	115	and	and	CCONJ
emaj-156	31	116	wrapson	wrapson	NOUN
emaj-156	31	117	,	,	PUNCT
emaj-156	31	118	2010	2010	NUM
emaj-156	31	119	;	;	PUNCT
emaj-156	31	120	lusardi	lusardi	NOUN
emaj-156	31	121	and	and	CCONJ
emaj-156	31	122	tofano	tofano	NOUN
emaj-156	31	123	,	,	PUNCT
emaj-156	31	124	2009	2009	NUM
emaj-156	31	125	;	;	PUNCT
emaj-156	31	126	stone	stone	NOUN
emaj-156	31	127	and	and	CCONJ
emaj-156	31	128	maury	maury	PROPN
emaj-156	31	129	,	,	PUNCT
emaj-156	31	130	2006	2006	NUM
emaj-156	31	131	)	)	PUNCT
emaj-156	31	132	.	.	PUNCT
emaj-156	32	1	previous	previous	ADJ
emaj-156	32	2	research	research	NOUN
emaj-156	32	3	on	on	ADP
emaj-156	32	4	this	this	DET
emaj-156	32	5	issue	issue	NOUN
emaj-156	32	6	mostly	mostly	ADV
emaj-156	32	7	focused	focus	VERB
emaj-156	32	8	on	on	ADP
emaj-156	32	9	economic	economic	ADJ
emaj-156	32	10	and	and	CCONJ
emaj-156	32	11	sociological	sociological	ADJ
emaj-156	32	12	predictors	predictor	NOUN
emaj-156	32	13	of	of	ADP
emaj-156	32	14	repayment	repayment	NOUN
emaj-156	32	15	behavior	behavior	NOUN
emaj-156	32	16	.	.	PUNCT
emaj-156	33	1	in	in	ADP
emaj-156	33	2	2000	2000	NUM
emaj-156	33	3	’s	’s	PART
emaj-156	33	4	,	,	PUNCT
emaj-156	33	5	psychological	psychological	ADJ
emaj-156	33	6	factors	factor	NOUN
emaj-156	33	7	along	along	ADP
emaj-156	33	8	with	with	ADP
emaj-156	33	9	economic	economic	ADJ
emaj-156	33	10	and	and	CCONJ
emaj-156	33	11	sociological	sociological	ADJ
emaj-156	33	12	factors	factor	NOUN
emaj-156	33	13	have	have	AUX
emaj-156	33	14	been	be	AUX
emaj-156	33	15	started	start	VERB
emaj-156	33	16	to	to	PART
emaj-156	33	17	be	be	AUX
emaj-156	33	18	considered	consider	VERB
emaj-156	33	19	to	to	PART
emaj-156	33	20	explain	explain	VERB
emaj-156	33	21	the	the	DET
emaj-156	33	22	debt	debt	NOUN
emaj-156	33	23	related	relate	VERB
emaj-156	33	24	behaviors	behavior	NOUN
emaj-156	33	25	(	(	PUNCT
emaj-156	33	26	kamleitner	kamleitner	NOUN
emaj-156	33	27	et	et	PROPN
emaj-156	33	28	al	al	PROPN
emaj-156	33	29	.	.	PROPN
emaj-156	33	30	,	,	PUNCT
emaj-156	33	31	2012	2012	NUM
emaj-156	33	32	)	)	PUNCT
emaj-156	33	33	.	.	PUNCT
emaj-156	34	1	moreover	moreover	ADV
emaj-156	34	2	,	,	PUNCT
emaj-156	34	3	while	while	SCONJ
emaj-156	34	4	robb	robb	NOUN
emaj-156	34	5	and	and	CCONJ
emaj-156	34	6	sharpe	sharpe	PROPN
emaj-156	34	7	(	(	PUNCT
emaj-156	34	8	2009	2009	NUM
emaj-156	34	9	)	)	PUNCT
emaj-156	34	10	indicate	indicate	VERB
emaj-156	34	11	the	the	DET
emaj-156	34	12	inadequacy	inadequacy	NOUN
emaj-156	34	13	of	of	ADP
emaj-156	34	14	socio	socio	NOUN
emaj-156	34	15	-	-	PUNCT
emaj-156	34	16	economic	economic	ADJ
emaj-156	34	17	factors	factor	NOUN
emaj-156	34	18	in	in	ADP
emaj-156	34	19	explaining	explain	VERB
emaj-156	34	20	the	the	DET
emaj-156	34	21	debt	debt	NOUN
emaj-156	34	22	level	level	NOUN
emaj-156	34	23	;	;	PUNCT
emaj-156	34	24	wang	wang	PROPN
emaj-156	34	25	et	et	PROPN
emaj-156	34	26	al	al	PROPN
emaj-156	34	27	.	.	PROPN
emaj-156	34	28	(	(	PUNCT
emaj-156	34	29	2011	2011	NUM
emaj-156	34	30	)	)	PUNCT
emaj-156	34	31	argued	argue	VERB
emaj-156	34	32	that	that	SCONJ
emaj-156	34	33	psychological	psychological	ADJ
emaj-156	34	34	factors	factor	NOUN
emaj-156	34	35	involving	involve	VERB
emaj-156	34	36	personality	personality	NOUN
emaj-156	34	37	traits	trait	NOUN
emaj-156	34	38	(	(	PUNCT
emaj-156	34	39	lea	lea	PROPN
emaj-156	34	40	et	et	PROPN
emaj-156	34	41	al	al	PROPN
emaj-156	34	42	.	.	PROPN
emaj-156	34	43	,	,	PUNCT
emaj-156	34	44	1993	1993	NUM
emaj-156	34	45	,	,	PUNCT
emaj-156	34	46	norvilitis	norvilitis	PROPN
emaj-156	34	47	et	et	PROPN
emaj-156	34	48	al	al	PROPN
emaj-156	34	49	.	.	PROPN
emaj-156	34	50	,	,	PUNCT
emaj-156	34	51	2006	2006	NUM
emaj-156	34	52	;	;	PUNCT
emaj-156	34	53	webley	webley	PROPN
emaj-156	34	54	,	,	PUNCT
emaj-156	34	55	1994	1994	NUM
emaj-156	34	56	)	)	PUNCT
emaj-156	34	57	and	and	CCONJ
emaj-156	34	58	attitude	attitude	NOUN
emaj-156	34	59	factors	factor	NOUN
emaj-156	34	60	(	(	PUNCT
emaj-156	34	61	lea	lea	PROPN
emaj-156	34	62	et	et	PROPN
emaj-156	34	63	al	al	PROPN
emaj-156	34	64	.	.	PROPN
emaj-156	34	65	,	,	PUNCT
emaj-156	34	66	1993	1993	NUM
emaj-156	34	67	;	;	PUNCT
emaj-156	34	68	livingstone	livingstone	PROPN
emaj-156	34	69	&	&	CCONJ
emaj-156	34	70	lunt	lunt	PROPN
emaj-156	34	71	,	,	PUNCT
emaj-156	34	72	1992	1992	NUM
emaj-156	34	73	;	;	PUNCT
emaj-156	34	74	zhu	zhu	PROPN
emaj-156	34	75	and	and	CCONJ
emaj-156	34	76	meeks	meeks	PROPN
emaj-156	34	77	,	,	PUNCT
emaj-156	34	78	1994	1994	NUM
emaj-156	34	79	)	)	PUNCT
emaj-156	34	80	still	still	ADV
emaj-156	34	81	needed	need	VERB
emaj-156	34	82	to	to	PART
emaj-156	34	83	be	be	AUX
emaj-156	34	84	examined	examine	VERB
emaj-156	34	85	.	.	PUNCT
emaj-156	35	1	in	in	ADP
emaj-156	35	2	turkey	turkey	NOUN
emaj-156	35	3	,	,	PUNCT
emaj-156	35	4	even	even	ADV
emaj-156	35	5	though	though	SCONJ
emaj-156	35	6	there	there	PRON
emaj-156	35	7	is	be	VERB
emaj-156	35	8	no	no	DET
emaj-156	35	9	relevant	relevant	ADJ
emaj-156	35	10	research	research	NOUN
emaj-156	35	11	directly	directly	ADV
emaj-156	35	12	focusing	focus	VERB
emaj-156	35	13	on	on	ADP
emaj-156	35	14	the	the	DET
emaj-156	35	15	relationship	relationship	NOUN
emaj-156	35	16	between	between	ADP
emaj-156	35	17	psychological	psychological	ADJ
emaj-156	35	18	factors	factor	NOUN
emaj-156	35	19	and	and	CCONJ
emaj-156	35	20	repayment	repayment	NOUN
emaj-156	35	21	behavior	behavior	NOUN
emaj-156	35	22	;	;	PUNCT
emaj-156	35	23	a	a	DET
emaj-156	35	24	few	few	ADJ
emaj-156	35	25	studies	study	NOUN
emaj-156	35	26	examining	examine	VERB
emaj-156	35	27	the	the	DET
emaj-156	35	28	effects	effect	NOUN
emaj-156	35	29	of	of	ADP
emaj-156	35	30	behavioral	behavioral	ADJ
emaj-156	35	31	and	and	CCONJ
emaj-156	35	32	demographic	demographic	ADJ
emaj-156	35	33	factors	factor	NOUN
emaj-156	35	34	on	on	ADP
emaj-156	35	35	credit	credit	NOUN
emaj-156	35	36	card	card	NOUN
emaj-156	35	37	use	use	NOUN
emaj-156	35	38	,	,	PUNCT
emaj-156	35	39	debt	debt	NOUN
emaj-156	35	40	level	level	NOUN
emaj-156	35	41	,	,	PUNCT
emaj-156	35	42	debt	debt	NOUN
emaj-156	35	43	structure	structure	NOUN
emaj-156	35	44	have	have	AUX
emaj-156	35	45	been	be	AUX
emaj-156	35	46	conducted	conduct	VERB
emaj-156	35	47	(	(	PUNCT
emaj-156	35	48	eg	eg	NOUN
emaj-156	35	49	.	.	PUNCT
emaj-156	36	1	özkan	özkan	PROPN
emaj-156	36	2	,	,	PUNCT
emaj-156	36	3	2014	2014	NUM
emaj-156	36	4	;	;	PUNCT
emaj-156	36	5	kaptan	kaptan	PROPN
emaj-156	36	6	,	,	PUNCT
emaj-156	36	7	2011	2011	NUM
emaj-156	36	8	)	)	PUNCT
emaj-156	36	9	.	.	PUNCT
emaj-156	37	1	among	among	ADP
emaj-156	37	2	psychological	psychological	ADJ
emaj-156	37	3	factors	factor	NOUN
emaj-156	37	4	,	,	PUNCT
emaj-156	37	5	personality	personality	NOUN
emaj-156	37	6	traits	trait	NOUN
emaj-156	37	7	and	and	CCONJ
emaj-156	37	8	attitudes	attitude	NOUN
emaj-156	37	9	are	be	AUX
emaj-156	37	10	more	more	ADV
emaj-156	37	11	significant	significant	ADJ
emaj-156	37	12	ones	one	NOUN
emaj-156	37	13	to	to	PART
emaj-156	37	14	be	be	AUX
emaj-156	37	15	associated	associate	VERB
emaj-156	37	16	to	to	ADP
emaj-156	37	17	debt	debt	NOUN
emaj-156	37	18	and	and	CCONJ
emaj-156	37	19	debt	debt	NOUN
emaj-156	37	20	repayment	repayment	NOUN
emaj-156	37	21	behavior	behavior	NOUN
emaj-156	37	22	and	and	CCONJ
emaj-156	37	23	they	they	PRON
emaj-156	37	24	have	have	AUX
emaj-156	37	25	been	be	AUX
emaj-156	37	26	scarcely	scarcely	ADV
emaj-156	37	27	studied	study	VERB
emaj-156	37	28	in	in	ADP
emaj-156	37	29	literature	literature	NOUN
emaj-156	37	30	.	.	PUNCT
emaj-156	38	1	in	in	ADP
emaj-156	38	2	this	this	DET
emaj-156	38	3	context	context	NOUN
emaj-156	38	4	,	,	PUNCT
emaj-156	38	5	this	this	DET
emaj-156	38	6	study	study	NOUN
emaj-156	38	7	,	,	PUNCT
emaj-156	38	8	aiming	aim	VERB
emaj-156	38	9	to	to	PART
emaj-156	38	10	identify	identify	VERB
emaj-156	38	11	personality	personality	NOUN
emaj-156	38	12	traits	trait	NOUN
emaj-156	38	13	and	and	CCONJ
emaj-156	38	14	attitudes	attitude	NOUN
emaj-156	38	15	affecting	affect	VERB
emaj-156	38	16	debt	debt	NOUN
emaj-156	38	17	repayment	repayment	NOUN
emaj-156	38	18	behavior	behavior	NOUN
emaj-156	38	19	exploratively	exploratively	ADV
emaj-156	38	20	,	,	PUNCT
emaj-156	38	21	is	be	AUX
emaj-156	38	22	expected	expect	VERB
emaj-156	38	23	to	to	PART
emaj-156	38	24	contribute	contribute	VERB
emaj-156	38	25	and	and	CCONJ
emaj-156	38	26	help	help	VERB
emaj-156	38	27	to	to	PART
emaj-156	38	28	fill	fill	VERB
emaj-156	38	29	a	a	DET
emaj-156	38	30	gap	gap	NOUN
emaj-156	38	31	in	in	ADP
emaj-156	38	32	literature	literature	NOUN
emaj-156	38	33	.	.	PUNCT
emaj-156	39	1	moreover	moreover	ADV
emaj-156	39	2	,	,	PUNCT
emaj-156	39	3	findings	finding	NOUN
emaj-156	39	4	of	of	ADP
emaj-156	39	5	this	this	DET
emaj-156	39	6	research	research	NOUN
emaj-156	39	7	are	be	AUX
emaj-156	39	8	expected	expect	VERB
emaj-156	39	9	to	to	PART
emaj-156	39	10	reveal	reveal	VERB
emaj-156	39	11	repayment	repayment	NOUN
emaj-156	39	12	related	relate	VERB
emaj-156	39	13	psychological	psychological	ADJ
emaj-156	39	14	factors	factor	NOUN
emaj-156	39	15	special	special	ADJ
emaj-156	39	16	to	to	ADP
emaj-156	39	17	turkish	turkish	ADJ
emaj-156	39	18	culture	culture	NOUN
emaj-156	39	19	,	,	PUNCT
emaj-156	39	20	which	which	PRON
emaj-156	39	21	also	also	ADV
emaj-156	39	22	makes	make	VERB
emaj-156	39	23	this	this	DET
emaj-156	39	24	study	study	NOUN
emaj-156	39	25	valuable	valuable	ADJ
emaj-156	39	26	.	.	PUNCT
emaj-156	40	1	2	2	X
emaj-156	40	2	.	.	X
emaj-156	40	3	literature	literature	NOUN
emaj-156	40	4	review	review	PROPN
emaj-156	40	5	and	and	CCONJ
emaj-156	40	6	theoretical	theoretical	ADJ
emaj-156	40	7	framework	framework	NOUN
emaj-156	40	8	according	accord	VERB
emaj-156	40	9	to	to	ADP
emaj-156	40	10	dispositional	dispositional	ADJ
emaj-156	40	11	approach	approach	NOUN
emaj-156	40	12	,	,	PUNCT
emaj-156	40	13	individuals	individual	NOUN
emaj-156	40	14	possess	possess	VERB
emaj-156	40	15	stable	stable	ADJ
emaj-156	40	16	traits	trait	NOUN
emaj-156	40	17	that	that	PRON
emaj-156	40	18	influence	influence	VERB
emaj-156	40	19	their	their	PRON
emaj-156	40	20	behaviors	behavior	NOUN
emaj-156	40	21	(	(	PUNCT
emaj-156	40	22	davisblake	davisblake	NOUN
emaj-156	40	23	and	and	CCONJ
emaj-156	40	24	pfeffer	pfeffer	PROPN
emaj-156	40	25	,	,	PUNCT
emaj-156	40	26	1989	1989	NUM
emaj-156	40	27	)	)	PUNCT
emaj-156	40	28	.	.	PUNCT
emaj-156	41	1	these	these	DET
emaj-156	41	2	traits	trait	NOUN
emaj-156	41	3	are	be	AUX
emaj-156	41	4	primarily	primarily	ADV
emaj-156	41	5	unobservable	unobservable	ADJ
emaj-156	41	6	dispositions	disposition	NOUN
emaj-156	41	7	or	or	CCONJ
emaj-156	41	8	mental	mental	ADJ
emaj-156	41	9	states	state	NOUN
emaj-156	41	10	like	like	ADP
emaj-156	41	11	values	value	NOUN
emaj-156	41	12	,	,	PUNCT
emaj-156	41	13	needs	need	NOUN
emaj-156	41	14	or	or	CCONJ
emaj-156	41	15	personalities	personality	NOUN
emaj-156	41	16	.	.	PUNCT
emaj-156	42	1	from	from	ADP
emaj-156	42	2	this	this	DET
emaj-156	42	3	perspective	perspective	NOUN
emaj-156	42	4	,	,	PUNCT
emaj-156	42	5	it	it	PRON
emaj-156	42	6	can	can	AUX
emaj-156	42	7	be	be	AUX
emaj-156	42	8	said	say	VERB
emaj-156	42	9	that	that	SCONJ
emaj-156	42	10	personality	personality	NOUN
emaj-156	42	11	and	and	CCONJ
emaj-156	42	12	psychological	psychological	ADJ
emaj-156	42	13	states	state	NOUN
emaj-156	42	14	may	may	AUX
emaj-156	42	15	have	have	VERB
emaj-156	42	16	an	an	DET
emaj-156	42	17	effect	effect	NOUN
emaj-156	42	18	on	on	ADP
emaj-156	42	19	debt	debt	NOUN
emaj-156	42	20	-	-	PUNCT
emaj-156	42	21	repayment	repayment	NOUN
emaj-156	42	22	behavior	behavior	NOUN
emaj-156	42	23	of	of	ADP
emaj-156	42	24	an	an	DET
emaj-156	42	25	individual	individual	NOUN
emaj-156	42	26	.	.	PUNCT
emaj-156	43	1	in	in	ADP
emaj-156	43	2	addition	addition	NOUN
emaj-156	43	3	to	to	ADP
emaj-156	43	4	this	this	PRON
emaj-156	43	5	,	,	PUNCT
emaj-156	43	6	in	in	ADP
emaj-156	43	7	the	the	DET
emaj-156	43	8	literature	literature	NOUN
emaj-156	43	9	it	it	PRON
emaj-156	43	10	is	be	AUX
emaj-156	43	11	argued	argue	VERB
emaj-156	43	12	that	that	SCONJ
emaj-156	43	13	socioeconomic	socioeconomic	ADJ
emaj-156	43	14	factors	factor	NOUN
emaj-156	43	15	are	be	AUX
emaj-156	43	16	not	not	PART
emaj-156	43	17	enough	enough	ADJ
emaj-156	43	18	to	to	PART
emaj-156	43	19	explain	explain	VERB
emaj-156	43	20	debt	debt	NOUN
emaj-156	43	21	volume	volume	NOUN
emaj-156	43	22	8	8	NUM
emaj-156	43	23	no	no	DET
emaj-156	43	24	2	2	NUM
emaj-156	43	25	(	(	PUNCT
emaj-156	43	26	2018	2018	NUM
emaj-156	43	27	)	)	PUNCT
emaj-156	43	28	|	|	ADV
emaj-156	43	29	issn	issn	VERB
emaj-156	43	30	2158	2158	NUM
emaj-156	43	31	-	-	SYM
emaj-156	43	32	8708	8708	NUM
emaj-156	43	33	(	(	PUNCT
emaj-156	43	34	online	online	NOUN
emaj-156	43	35	)	)	PUNCT
emaj-156	43	36	|	|	ADV
emaj-156	43	37	doi	doi	X
emaj-156	43	38	10.5195	10.5195	NUM
emaj-156	43	39	/	/	SYM
emaj-156	43	40	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	43	41	|	|	ADV
emaj-156	43	42	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	43	43	mehtap	mehtap	ADJ
emaj-156	43	44	özşahin	özşahin	NOUN
emaj-156	43	45	,	,	PUNCT
emaj-156	43	46	senay	senay	NOUN
emaj-156	43	47	yürür	yürür	NOUN
emaj-156	43	48	,	,	PUNCT
emaj-156	43	49	erman	erman	PROPN
emaj-156	43	50	coşkun	coşkun	PROPN
emaj-156	43	51	emerging	emerge	VERB
emaj-156	43	52	markets	market	NOUN
emaj-156	43	53	journal	journal	NOUN
emaj-156	44	1	|	|	ADV
emaj-156	44	2	p	p	NOUN
emaj-156	44	3	a	a	DET
emaj-156	44	4	g	g	NOUN
emaj-156	44	5	e	e	NOUN
emaj-156	44	6	|27	|27	NOUN
emaj-156	44	7	repayment	repayment	NOUN
emaj-156	44	8	behavior	behavior	NOUN
emaj-156	44	9	of	of	ADP
emaj-156	44	10	individuals	individual	NOUN
emaj-156	44	11	.	.	PUNCT
emaj-156	45	1	psychological	psychological	ADJ
emaj-156	45	2	factors	factor	NOUN
emaj-156	45	3	need	need	VERB
emaj-156	45	4	to	to	PART
emaj-156	45	5	be	be	AUX
emaj-156	45	6	considered	consider	VERB
emaj-156	45	7	for	for	ADP
emaj-156	45	8	understanding	understanding	NOUN
emaj-156	45	9	and	and	CCONJ
emaj-156	45	10	explaining	explain	VERB
emaj-156	45	11	these	these	DET
emaj-156	45	12	behaviors	behavior	NOUN
emaj-156	45	13	(	(	PUNCT
emaj-156	45	14	wang	wang	PROPN
emaj-156	45	15	et	et	PROPN
emaj-156	45	16	al	al	PROPN
emaj-156	45	17	.	.	PROPN
emaj-156	45	18	,	,	PUNCT
emaj-156	45	19	2011	2011	NUM
emaj-156	45	20	;	;	PUNCT
emaj-156	45	21	robb	robb	NOUN
emaj-156	45	22	and	and	CCONJ
emaj-156	45	23	sharpe	sharpe	PROPN
emaj-156	45	24	,	,	PUNCT
emaj-156	45	25	2009	2009	NUM
emaj-156	45	26	)	)	PUNCT
emaj-156	45	27	.	.	PUNCT
emaj-156	46	1	sullivan	sullivan	PROPN
emaj-156	46	2	(	(	PUNCT
emaj-156	46	3	1982	1982	NUM
emaj-156	46	4	)	)	PUNCT
emaj-156	46	5	’s	’s	PART
emaj-156	46	6	research	research	NOUN
emaj-156	46	7	,	,	PUNCT
emaj-156	46	8	conducted	conduct	VERB
emaj-156	46	9	with	with	ADP
emaj-156	46	10	1250	1250	NUM
emaj-156	46	11	bankrupt	bankrupt	ADJ
emaj-156	46	12	participants	participant	NOUN
emaj-156	46	13	,	,	PUNCT
emaj-156	46	14	has	have	AUX
emaj-156	46	15	been	be	AUX
emaj-156	46	16	considered	consider	VERB
emaj-156	46	17	more	more	ADV
emaj-156	46	18	comprehensive	comprehensive	ADJ
emaj-156	46	19	and	and	CCONJ
emaj-156	46	20	initiating	initiate	VERB
emaj-156	46	21	research	research	NOUN
emaj-156	46	22	on	on	ADP
emaj-156	46	23	this	this	DET
emaj-156	46	24	subject	subject	NOUN
emaj-156	46	25	.	.	PUNCT
emaj-156	47	1	the	the	DET
emaj-156	47	2	research	research	NOUN
emaj-156	47	3	findings	finding	NOUN
emaj-156	47	4	revealed	reveal	VERB
emaj-156	47	5	that	that	SCONJ
emaj-156	47	6	unexpected	unexpected	ADJ
emaj-156	47	7	healthcare	healthcare	NOUN
emaj-156	47	8	costs	cost	NOUN
emaj-156	47	9	,	,	PUNCT
emaj-156	47	10	wedding	wedding	NOUN
emaj-156	47	11	expenses	expense	NOUN
emaj-156	47	12	and	and	CCONJ
emaj-156	47	13	dismissal	dismissal	NOUN
emaj-156	47	14	from	from	ADP
emaj-156	47	15	job	job	NOUN
emaj-156	47	16	as	as	ADP
emaj-156	47	17	main	main	ADJ
emaj-156	47	18	factors	factor	NOUN
emaj-156	47	19	result	result	VERB
emaj-156	47	20	in	in	ADP
emaj-156	47	21	repayment	repayment	NOUN
emaj-156	47	22	default	default	NOUN
emaj-156	47	23	,	,	PUNCT
emaj-156	47	24	correspondingly	correspondingly	ADV
emaj-156	47	25	bankruptcy	bankruptcy	NOUN
emaj-156	47	26	.	.	PUNCT
emaj-156	48	1	one	one	NUM
emaj-156	48	2	year	year	NOUN
emaj-156	48	3	after	after	SCONJ
emaj-156	48	4	sullivian	sullivian	NOUN
emaj-156	48	5	and	and	CCONJ
emaj-156	48	6	schuchman	schuchman	NOUN
emaj-156	48	7	(	(	PUNCT
emaj-156	48	8	1983	1983	NUM
emaj-156	48	9	)	)	PUNCT
emaj-156	48	10	repeated	repeat	VERB
emaj-156	48	11	the	the	DET
emaj-156	48	12	research	research	NOUN
emaj-156	48	13	,	,	PUNCT
emaj-156	48	14	and	and	CCONJ
emaj-156	48	15	found	find	VERB
emaj-156	48	16	that	that	SCONJ
emaj-156	48	17	besides	besides	SCONJ
emaj-156	48	18	medical	medical	ADJ
emaj-156	48	19	costs	cost	NOUN
emaj-156	48	20	,	,	PUNCT
emaj-156	48	21	irresponsible	irresponsible	ADJ
emaj-156	48	22	credit	credit	NOUN
emaj-156	48	23	card	card	NOUN
emaj-156	48	24	use	use	NOUN
emaj-156	48	25	also	also	ADV
emaj-156	48	26	leaded	lead	VERB
emaj-156	48	27	to	to	ADP
emaj-156	48	28	default	default	NOUN
emaj-156	48	29	.	.	PUNCT
emaj-156	49	1	later	later	ADV
emaj-156	49	2	,	,	PUNCT
emaj-156	49	3	dessart	dessart	NOUN
emaj-156	49	4	and	and	CCONJ
emaj-156	49	5	kuylen	kuylen	ADJ
emaj-156	49	6	(	(	PUNCT
emaj-156	49	7	1986	1986	NUM
emaj-156	49	8	)	)	PUNCT
emaj-156	49	9	conducted	conduct	VERB
emaj-156	49	10	a	a	DET
emaj-156	49	11	survey	survey	NOUN
emaj-156	49	12	on	on	ADP
emaj-156	49	13	400	400	NUM
emaj-156	49	14	participants	participant	NOUN
emaj-156	49	15	who	who	PRON
emaj-156	49	16	failed	fail	VERB
emaj-156	49	17	to	to	PART
emaj-156	49	18	repay	repay	VERB
emaj-156	49	19	and	and	CCONJ
emaj-156	49	20	stated	state	VERB
emaj-156	49	21	external	external	ADJ
emaj-156	49	22	locus	locus	NOUN
emaj-156	49	23	of	of	ADP
emaj-156	49	24	control	control	NOUN
emaj-156	49	25	and	and	CCONJ
emaj-156	49	26	financial	financial	ADJ
emaj-156	49	27	illiteracy	illiteracy	NOUN
emaj-156	49	28	as	as	ADP
emaj-156	49	29	main	main	ADJ
emaj-156	49	30	characteristics	characteristic	NOUN
emaj-156	49	31	of	of	ADP
emaj-156	49	32	those	those	DET
emaj-156	49	33	people	people	NOUN
emaj-156	49	34	.	.	PUNCT
emaj-156	50	1	those	those	DET
emaj-156	50	2	respective	respective	ADJ
emaj-156	50	3	researches	research	NOUN
emaj-156	50	4	have	have	AUX
emaj-156	50	5	brought	bring	VERB
emaj-156	50	6	out	out	ADP
emaj-156	50	7	the	the	DET
emaj-156	50	8	low	low	ADJ
emaj-156	50	9	education	education	NOUN
emaj-156	50	10	level	level	NOUN
emaj-156	50	11	,	,	PUNCT
emaj-156	50	12	low	low	ADJ
emaj-156	50	13	income	income	NOUN
emaj-156	50	14	level	level	NOUN
emaj-156	50	15	,	,	PUNCT
emaj-156	50	16	young	young	ADJ
emaj-156	50	17	age	age	NOUN
emaj-156	50	18	,	,	PUNCT
emaj-156	50	19	financial	financial	ADJ
emaj-156	50	20	illiteracy	illiteracy	NOUN
emaj-156	50	21	,	,	PUNCT
emaj-156	50	22	unexpected	unexpected	ADJ
emaj-156	50	23	healthcare	healthcare	NOUN
emaj-156	50	24	and	and	CCONJ
emaj-156	50	25	wedding	wedding	NOUN
emaj-156	50	26	expenses	expense	NOUN
emaj-156	50	27	,	,	PUNCT
emaj-156	50	28	loosing	loose	VERB
emaj-156	50	29	job	job	NOUN
emaj-156	50	30	as	as	ADP
emaj-156	50	31	predictors	predictor	NOUN
emaj-156	50	32	of	of	ADP
emaj-156	50	33	payment	payment	NOUN
emaj-156	50	34	default	default	NOUN
emaj-156	50	35	(	(	PUNCT
emaj-156	50	36	tokunaga	tokunaga	NOUN
emaj-156	50	37	,	,	PUNCT
emaj-156	50	38	1993	1993	NUM
emaj-156	50	39	)	)	PUNCT
emaj-156	50	40	.	.	PUNCT
emaj-156	51	1	lea	lea	PROPN
emaj-156	51	2	et	et	PROPN
emaj-156	51	3	al	al	PROPN
emaj-156	51	4	.	.	PROPN
emaj-156	52	1	(	(	PUNCT
emaj-156	52	2	1993	1993	NUM
emaj-156	52	3	)	)	PUNCT
emaj-156	52	4	indicated	indicate	VERB
emaj-156	52	5	that	that	SCONJ
emaj-156	52	6	psychological	psychological	ADJ
emaj-156	52	7	factors	factor	NOUN
emaj-156	52	8	involving	involve	VERB
emaj-156	52	9	social	social	ADJ
emaj-156	52	10	comparisons	comparison	NOUN
emaj-156	52	11	,	,	PUNCT
emaj-156	52	12	social	social	ADJ
emaj-156	52	13	support	support	NOUN
emaj-156	52	14	for	for	ADP
emaj-156	52	15	debt	debt	NOUN
emaj-156	52	16	,	,	PUNCT
emaj-156	52	17	economic	economic	ADJ
emaj-156	52	18	socialization	socialization	NOUN
emaj-156	52	19	,	,	PUNCT
emaj-156	52	20	social	social	ADJ
emaj-156	52	21	comparisons	comparison	NOUN
emaj-156	52	22	,	,	PUNCT
emaj-156	52	23	money	money	NOUN
emaj-156	52	24	management	management	NOUN
emaj-156	52	25	style	style	NOUN
emaj-156	52	26	,	,	PUNCT
emaj-156	52	27	locus	locus	NOUN
emaj-156	52	28	of	of	ADP
emaj-156	52	29	control	control	NOUN
emaj-156	52	30	,	,	PUNCT
emaj-156	52	31	attitudes	attitude	NOUN
emaj-156	52	32	,	,	PUNCT
emaj-156	52	33	time	time	NOUN
emaj-156	52	34	horizon	horizon	NOUN
emaj-156	52	35	are	be	AUX
emaj-156	52	36	associated	associate	VERB
emaj-156	52	37	with	with	ADP
emaj-156	52	38	debt	debt	NOUN
emaj-156	52	39	extensively	extensively	ADV
emaj-156	52	40	.	.	PUNCT
emaj-156	53	1	parallel	parallel	ADJ
emaj-156	53	2	to	to	ADP
emaj-156	53	3	lea	lea	PROPN
emaj-156	53	4	et	et	PROPN
emaj-156	53	5	al	al	PROPN
emaj-156	53	6	.	.	PROPN
emaj-156	53	7	,	,	PUNCT
emaj-156	53	8	livingstone	livingstone	PROPN
emaj-156	53	9	and	and	CCONJ
emaj-156	53	10	lunt	lunt	PROPN
emaj-156	53	11	(	(	PUNCT
emaj-156	53	12	1992	1992	NUM
emaj-156	53	13	:	:	PUNCT
emaj-156	53	14	132	132	NUM
emaj-156	53	15	)	)	PUNCT
emaj-156	53	16	also	also	ADV
emaj-156	53	17	stated	state	VERB
emaj-156	53	18	that	that	SCONJ
emaj-156	53	19	people	people	NOUN
emaj-156	53	20	making	make	VERB
emaj-156	53	21	payments	payment	NOUN
emaj-156	53	22	regularly	regularly	ADV
emaj-156	53	23	are	be	AUX
emaj-156	53	24	more	more	ADV
emaj-156	53	25	concerned	concerned	ADJ
emaj-156	53	26	with	with	ADP
emaj-156	53	27	personal	personal	ADJ
emaj-156	53	28	achievement	achievement	NOUN
emaj-156	53	29	and	and	CCONJ
emaj-156	53	30	self	self	NOUN
emaj-156	53	31	-	-	PUNCT
emaj-156	53	32	direction	direction	NOUN
emaj-156	53	33	,	,	PUNCT
emaj-156	53	34	and	and	CCONJ
emaj-156	53	35	they	they	PRON
emaj-156	53	36	are	be	AUX
emaj-156	53	37	more	more	ADV
emaj-156	53	38	likely	likely	ADJ
emaj-156	53	39	to	to	PART
emaj-156	53	40	see	see	VERB
emaj-156	53	41	their	their	PRON
emaj-156	53	42	debts	debt	NOUN
emaj-156	53	43	as	as	ADP
emaj-156	53	44	temporary	temporary	ADJ
emaj-156	53	45	,	,	PUNCT
emaj-156	53	46	caused	cause	VERB
emaj-156	53	47	by	by	ADP
emaj-156	53	48	external	external	ADJ
emaj-156	53	49	,	,	PUNCT
emaj-156	53	50	unstable	unstable	ADJ
emaj-156	53	51	and	and	CCONJ
emaj-156	53	52	uncontrollable	uncontrollable	ADJ
emaj-156	53	53	disasters	disaster	NOUN
emaj-156	53	54	rather	rather	ADV
emaj-156	53	55	than	than	ADP
emaj-156	53	56	stable	stable	ADJ
emaj-156	53	57	causes	cause	NOUN
emaj-156	53	58	like	like	ADP
emaj-156	53	59	greed	greed	NOUN
emaj-156	53	60	or	or	CCONJ
emaj-156	53	61	the	the	DET
emaj-156	53	62	convenience	convenience	NOUN
emaj-156	53	63	of	of	ADP
emaj-156	53	64	credit	credit	NOUN
emaj-156	53	65	.	.	PUNCT
emaj-156	54	1	finally	finally	ADV
emaj-156	54	2	,	,	PUNCT
emaj-156	54	3	they	they	PRON
emaj-156	54	4	usually	usually	ADV
emaj-156	54	5	have	have	VERB
emaj-156	54	6	positive	positive	ADJ
emaj-156	54	7	attitude	attitude	NOUN
emaj-156	54	8	towards	towards	ADP
emaj-156	54	9	credit	credit	NOUN
emaj-156	54	10	and	and	CCONJ
emaj-156	54	11	reject	reject	VERB
emaj-156	54	12	the	the	DET
emaj-156	54	13	shame	shame	NOUN
emaj-156	54	14	view	view	NOUN
emaj-156	54	15	of	of	ADP
emaj-156	54	16	debt	debt	NOUN
emaj-156	54	17	.	.	PUNCT
emaj-156	55	1	similarly	similarly	ADV
emaj-156	55	2	,	,	PUNCT
emaj-156	55	3	norvilitis	norvilitis	PROPN
emaj-156	55	4	et	et	PROPN
emaj-156	55	5	al	al	PROPN
emaj-156	55	6	.	.	PROPN
emaj-156	56	1	(	(	PUNCT
emaj-156	56	2	2006	2006	NUM
emaj-156	56	3	)	)	PUNCT
emaj-156	56	4	searched	search	VERB
emaj-156	56	5	factors	factor	NOUN
emaj-156	56	6	like	like	ADP
emaj-156	56	7	personality	personality	NOUN
emaj-156	56	8	traits	trait	NOUN
emaj-156	56	9	,	,	PUNCT
emaj-156	56	10	attitudes	attitude	NOUN
emaj-156	56	11	towards	towards	ADP
emaj-156	56	12	debt	debt	NOUN
emaj-156	56	13	and	and	CCONJ
emaj-156	56	14	financial	financial	ADJ
emaj-156	56	15	literacy	literacy	NOUN
emaj-156	56	16	as	as	ADP
emaj-156	56	17	the	the	DET
emaj-156	56	18	predictors	predictor	NOUN
emaj-156	56	19	of	of	ADP
emaj-156	56	20	greater	great	ADJ
emaj-156	56	21	debt	debt	NOUN
emaj-156	56	22	(	(	PUNCT
emaj-156	56	23	credit	credit	NOUN
emaj-156	56	24	card	card	NOUN
emaj-156	56	25	debt	debt	NOUN
emaj-156	56	26	)	)	PUNCT
emaj-156	56	27	and	and	CCONJ
emaj-156	56	28	found	find	VERB
emaj-156	56	29	out	out	ADP
emaj-156	56	30	that	that	SCONJ
emaj-156	56	31	financial	financial	ADJ
emaj-156	56	32	illiteracy	illiteracy	NOUN
emaj-156	56	33	is	be	AUX
emaj-156	56	34	more	more	ADV
emaj-156	56	35	influential	influential	ADJ
emaj-156	56	36	factor	factor	NOUN
emaj-156	56	37	leading	lead	VERB
emaj-156	56	38	problematic	problematic	ADJ
emaj-156	56	39	debt	debt	NOUN
emaj-156	56	40	.	.	PUNCT
emaj-156	57	1	briefly	briefly	ADV
emaj-156	57	2	,	,	PUNCT
emaj-156	57	3	in	in	ADP
emaj-156	57	4	previous	previous	ADJ
emaj-156	57	5	studies	study	NOUN
emaj-156	57	6	,	,	PUNCT
emaj-156	57	7	personality	personality	NOUN
emaj-156	57	8	factors	factor	NOUN
emaj-156	57	9	,	,	PUNCT
emaj-156	57	10	like	like	ADP
emaj-156	57	11	self	self	NOUN
emaj-156	57	12	-	-	PUNCT
emaj-156	57	13	control	control	NOUN
emaj-156	57	14	,	,	PUNCT
emaj-156	57	15	self	self	NOUN
emaj-156	57	16	-	-	PUNCT
emaj-156	57	17	esteem	esteem	NOUN
emaj-156	57	18	,	,	PUNCT
emaj-156	57	19	self	self	NOUN
emaj-156	57	20	-	-	PUNCT
emaj-156	57	21	efficacy	efficacy	NOUN
emaj-156	57	22	,	,	PUNCT
emaj-156	57	23	sensation	sensation	NOUN
emaj-156	57	24	seeking	seeking	NOUN
emaj-156	57	25	,	,	PUNCT
emaj-156	57	26	deferring	defer	VERB
emaj-156	57	27	gratification	gratification	NOUN
emaj-156	57	28	,	,	PUNCT
emaj-156	57	29	impulsiveness	impulsiveness	NOUN
emaj-156	57	30	and	and	CCONJ
emaj-156	57	31	locus	locus	NOUN
emaj-156	57	32	of	of	ADP
emaj-156	57	33	control	control	NOUN
emaj-156	57	34	,	,	PUNCT
emaj-156	57	35	and	and	CCONJ
emaj-156	57	36	attitude	attitude	NOUN
emaj-156	57	37	factors	factor	NOUN
emaj-156	57	38	,	,	PUNCT
emaj-156	57	39	like	like	ADP
emaj-156	57	40	money	money	NOUN
emaj-156	57	41	attitude	attitude	NOUN
emaj-156	57	42	,	,	PUNCT
emaj-156	57	43	debt	debt	NOUN
emaj-156	57	44	attitude	attitude	NOUN
emaj-156	57	45	,	,	PUNCT
emaj-156	57	46	credit	credit	NOUN
emaj-156	57	47	attitude	attitude	NOUN
emaj-156	57	48	,	,	PUNCT
emaj-156	57	49	satisfaction	satisfaction	NOUN
emaj-156	57	50	with	with	ADP
emaj-156	57	51	life	life	NOUN
emaj-156	57	52	,	,	PUNCT
emaj-156	57	53	have	have	AUX
emaj-156	57	54	been	be	AUX
emaj-156	57	55	come	come	VERB
emaj-156	57	56	out	out	ADP
emaj-156	57	57	as	as	ADP
emaj-156	57	58	predominant	predominant	ADJ
emaj-156	57	59	factors	factor	NOUN
emaj-156	57	60	influencing	influence	VERB
emaj-156	57	61	repayment	repayment	NOUN
emaj-156	57	62	behavior	behavior	NOUN
emaj-156	57	63	(	(	PUNCT
emaj-156	57	64	wang	wang	PROPN
emaj-156	57	65	et	et	PROPN
emaj-156	57	66	al	al	PROPN
emaj-156	57	67	.	.	PROPN
emaj-156	57	68	,	,	PUNCT
emaj-156	57	69	2011	2011	NUM
emaj-156	57	70	)	)	PUNCT
emaj-156	57	71	.	.	PUNCT
emaj-156	58	1	the	the	DET
emaj-156	58	2	studies	study	NOUN
emaj-156	58	3	conducted	conduct	VERB
emaj-156	58	4	in	in	ADP
emaj-156	58	5	turkey	turkey	NOUN
emaj-156	58	6	,	,	PUNCT
emaj-156	58	7	mostly	mostly	ADV
emaj-156	58	8	examined	examine	VERB
emaj-156	58	9	the	the	DET
emaj-156	58	10	effects	effect	NOUN
emaj-156	58	11	of	of	ADP
emaj-156	58	12	behavioral	behavioral	ADJ
emaj-156	58	13	and	and	CCONJ
emaj-156	58	14	demographic	demographic	ADJ
emaj-156	58	15	factors	factor	NOUN
emaj-156	58	16	on	on	ADP
emaj-156	58	17	credit	credit	NOUN
emaj-156	58	18	card	card	NOUN
emaj-156	58	19	use	use	NOUN
emaj-156	58	20	,	,	PUNCT
emaj-156	58	21	debt	debt	NOUN
emaj-156	58	22	level	level	NOUN
emaj-156	58	23	,	,	PUNCT
emaj-156	58	24	debt	debt	NOUN
emaj-156	58	25	structure	structure	NOUN
emaj-156	58	26	rather	rather	ADV
emaj-156	58	27	than	than	ADP
emaj-156	58	28	focusing	focus	VERB
emaj-156	58	29	on	on	ADP
emaj-156	58	30	the	the	DET
emaj-156	58	31	direct	direct	ADJ
emaj-156	58	32	relationship	relationship	NOUN
emaj-156	58	33	between	between	ADP
emaj-156	58	34	psychological	psychological	ADJ
emaj-156	58	35	factors	factor	NOUN
emaj-156	58	36	and	and	CCONJ
emaj-156	58	37	repayment	repayment	NOUN
emaj-156	58	38	behavior	behavior	NOUN
emaj-156	58	39	.	.	PUNCT
emaj-156	59	1	for	for	ADP
emaj-156	59	2	example	example	NOUN
emaj-156	59	3	,	,	PUNCT
emaj-156	59	4	kaptan	kaptan	PROPN
emaj-156	59	5	(	(	PUNCT
emaj-156	59	6	2011	2011	NUM
emaj-156	59	7	)	)	PUNCT
emaj-156	59	8	evaluated	evaluate	VERB
emaj-156	59	9	the	the	DET
emaj-156	59	10	households	household	NOUN
emaj-156	59	11	’	'	PUNCT
emaj-156	59	12	attitudes	attitude	NOUN
emaj-156	59	13	towards	towards	ADP
emaj-156	59	14	consumer	consumer	NOUN
emaj-156	59	15	credits	credit	NOUN
emaj-156	59	16	and	and	CCONJ
emaj-156	59	17	their	their	PRON
emaj-156	59	18	repayment	repayment	NOUN
emaj-156	59	19	behavior	behavior	NOUN
emaj-156	59	20	by	by	ADP
emaj-156	59	21	analyzing	analyze	VERB
emaj-156	59	22	184.603	184.603	NUM
emaj-156	59	23	open	open	ADJ
emaj-156	59	24	and	and	CCONJ
emaj-156	59	25	close	close	ADJ
emaj-156	59	26	consumer	consumer	NOUN
emaj-156	59	27	credit	credit	NOUN
emaj-156	59	28	data	datum	NOUN
emaj-156	59	29	obtained	obtain	VERB
emaj-156	59	30	from	from	ADP
emaj-156	59	31	194.143	194.143	NUM
emaj-156	59	32	customers	customer	NOUN
emaj-156	59	33	of	of	ADP
emaj-156	59	34	a	a	DET
emaj-156	59	35	turkish	turkish	ADJ
emaj-156	59	36	commercial	commercial	ADJ
emaj-156	59	37	bank	bank	NOUN
emaj-156	59	38	.	.	PUNCT
emaj-156	60	1	moreover	moreover	ADV
emaj-156	60	2	,	,	PUNCT
emaj-156	60	3	özkan	özkan	PROPN
emaj-156	60	4	’s	’s	NOUN
emaj-156	60	5	(	(	PUNCT
emaj-156	60	6	2014	2014	NUM
emaj-156	60	7	)	)	PUNCT
emaj-156	60	8	research	research	NOUN
emaj-156	60	9	,	,	PUNCT
emaj-156	60	10	aiming	aim	VERB
emaj-156	60	11	to	to	PART
emaj-156	60	12	investigate	investigate	VERB
emaj-156	60	13	the	the	DET
emaj-156	60	14	main	main	ADJ
emaj-156	60	15	characteristics	characteristic	NOUN
emaj-156	60	16	of	of	ADP
emaj-156	60	17	credit	credit	NOUN
emaj-156	60	18	card	card	NOUN
emaj-156	60	19	users	user	NOUN
emaj-156	60	20	,	,	PUNCT
emaj-156	60	21	revealed	reveal	VERB
emaj-156	60	22	that	that	SCONJ
emaj-156	60	23	financial	financial	ADJ
emaj-156	60	24	illiteracy	illiteracy	NOUN
emaj-156	60	25	,	,	PUNCT
emaj-156	60	26	gender	gender	NOUN
emaj-156	60	27	,	,	PUNCT
emaj-156	60	28	age	age	NOUN
emaj-156	60	29	,	,	PUNCT
emaj-156	60	30	income	income	NOUN
emaj-156	60	31	level	level	NOUN
emaj-156	60	32	,	,	PUNCT
emaj-156	60	33	occupation	occupation	NOUN
emaj-156	60	34	,	,	PUNCT
emaj-156	60	35	and	and	CCONJ
emaj-156	60	36	irrationality	irrationality	NOUN
emaj-156	60	37	are	be	AUX
emaj-156	60	38	more	more	ADV
emaj-156	60	39	related	related	ADJ
emaj-156	60	40	factors	factor	NOUN
emaj-156	60	41	to	to	ADP
emaj-156	60	42	debt	debt	NOUN
emaj-156	60	43	litigation	litigation	NOUN
emaj-156	60	44	.	.	PUNCT
emaj-156	61	1	the	the	DET
emaj-156	61	2	absence	absence	NOUN
emaj-156	61	3	of	of	ADP
emaj-156	61	4	research	research	NOUN
emaj-156	61	5	focusing	focus	VERB
emaj-156	61	6	on	on	ADP
emaj-156	61	7	the	the	DET
emaj-156	61	8	relationship	relationship	NOUN
emaj-156	61	9	of	of	ADP
emaj-156	61	10	psychological	psychological	ADJ
emaj-156	61	11	factors	factor	NOUN
emaj-156	61	12	to	to	ADP
emaj-156	61	13	debt	debt	NOUN
emaj-156	61	14	repayment	repayment	NOUN
emaj-156	61	15	behavior	behavior	NOUN
emaj-156	61	16	in	in	ADP
emaj-156	61	17	turkey	turkey	NOUN
emaj-156	61	18	and	and	CCONJ
emaj-156	61	19	insufficiency	insufficiency	NOUN
emaj-156	61	20	of	of	ADP
emaj-156	61	21	socio	socio	NOUN
emaj-156	61	22	-	-	PUNCT
emaj-156	61	23	economic	economic	ADJ
emaj-156	61	24	factors	factor	NOUN
emaj-156	61	25	in	in	ADP
emaj-156	61	26	explaining	explain	VERB
emaj-156	61	27	debt	debt	NOUN
emaj-156	61	28	and	and	CCONJ
emaj-156	61	29	repayment	repayment	NOUN
emaj-156	61	30	behavior	behavior	NOUN
emaj-156	61	31	,	,	PUNCT
emaj-156	61	32	indicate	indicate	VERB
emaj-156	61	33	the	the	DET
emaj-156	61	34	essentiality	essentiality	NOUN
emaj-156	61	35	of	of	ADP
emaj-156	61	36	this	this	DET
emaj-156	61	37	research	research	NOUN
emaj-156	61	38	,	,	PUNCT
emaj-156	61	39	investigating	investigate	VERB
emaj-156	61	40	psychological	psychological	ADJ
emaj-156	61	41	determinants	determinant	NOUN
emaj-156	61	42	of	of	ADP
emaj-156	61	43	repayment	repayment	NOUN
emaj-156	61	44	behavior	behavior	NOUN
emaj-156	61	45	.	.	PUNCT
emaj-156	62	1	3	3	X
emaj-156	62	2	.	.	X
emaj-156	62	3	research	research	NOUN
emaj-156	62	4	method	method	NOUN
emaj-156	62	5	this	this	DET
emaj-156	62	6	study	study	NOUN
emaj-156	62	7	,	,	PUNCT
emaj-156	62	8	aiming	aim	VERB
emaj-156	62	9	to	to	PART
emaj-156	62	10	explore	explore	VERB
emaj-156	62	11	psychological	psychological	ADJ
emaj-156	62	12	factors	factor	NOUN
emaj-156	62	13	related	relate	VERB
emaj-156	62	14	to	to	ADP
emaj-156	62	15	repayment	repayment	NOUN
emaj-156	62	16	behavior	behavior	NOUN
emaj-156	62	17	,	,	PUNCT
emaj-156	62	18	utilizes	utilize	VERB
emaj-156	62	19	qualitative	qualitative	ADJ
emaj-156	62	20	research	research	NOUN
emaj-156	62	21	method	method	NOUN
emaj-156	62	22	.	.	PUNCT
emaj-156	63	1	recently	recently	ADV
emaj-156	63	2	,	,	PUNCT
emaj-156	63	3	qualitative	qualitative	ADJ
emaj-156	63	4	researches	research	NOUN
emaj-156	63	5	have	have	AUX
emaj-156	63	6	increased	increase	VERB
emaj-156	63	7	in	in	ADP
emaj-156	63	8	importance	importance	NOUN
emaj-156	63	9	in	in	ADP
emaj-156	63	10	social	social	ADJ
emaj-156	63	11	science	science	NOUN
emaj-156	63	12	.	.	PUNCT
emaj-156	64	1	it	it	PRON
emaj-156	64	2	is	be	AUX
emaj-156	64	3	commonly	commonly	ADV
emaj-156	64	4	accepted	accept	VERB
emaj-156	64	5	that	that	SCONJ
emaj-156	64	6	qualitative	qualitative	ADJ
emaj-156	64	7	and	and	CCONJ
emaj-156	64	8	quantitative	quantitative	ADJ
emaj-156	64	9	research	research	NOUN
emaj-156	64	10	methods	method	NOUN
emaj-156	64	11	complete	complete	VERB
emaj-156	64	12	each	each	DET
emaj-156	64	13	other	other	ADJ
emaj-156	64	14	to	to	PART
emaj-156	64	15	explain	explain	VERB
emaj-156	64	16	social	social	ADJ
emaj-156	64	17	circumstances	circumstance	NOUN
emaj-156	64	18	and	and	CCONJ
emaj-156	64	19	incidents	incident	NOUN
emaj-156	64	20	.	.	PUNCT
emaj-156	65	1	qualitative	qualitative	ADJ
emaj-156	65	2	research	research	NOUN
emaj-156	65	3	methods	method	NOUN
emaj-156	65	4	,	,	PUNCT
emaj-156	65	5	such	such	ADJ
emaj-156	65	6	as	as	ADP
emaj-156	65	7	in	in	ADP
emaj-156	65	8	depth	depth	NOUN
emaj-156	65	9	interview	interview	NOUN
emaj-156	65	10	and	and	CCONJ
emaj-156	65	11	focus	focus	NOUN
emaj-156	65	12	group	group	NOUN
emaj-156	65	13	,	,	PUNCT
emaj-156	65	14	emphasize	emphasize	VERB
emaj-156	65	15	to	to	PART
emaj-156	65	16	describe	describe	VERB
emaj-156	65	17	events	event	NOUN
emaj-156	65	18	and	and	CCONJ
emaj-156	65	19	phenomena	phenomenon	NOUN
emaj-156	65	20	in	in	ADP
emaj-156	65	21	their	their	PRON
emaj-156	65	22	natural	natural	ADJ
emaj-156	65	23	environment	environment	NOUN
emaj-156	65	24	,	,	PUNCT
emaj-156	65	25	to	to	PART
emaj-156	65	26	understand	understand	VERB
emaj-156	65	27	and	and	CCONJ
emaj-156	65	28	reflect	reflect	VERB
emaj-156	65	29	participants	participant	NOUN
emaj-156	65	30	’	'	PUNCT
emaj-156	65	31	view	view	NOUN
emaj-156	65	32	with	with	ADP
emaj-156	65	33	an	an	DET
emaj-156	65	34	inductive	inductive	ADJ
emaj-156	65	35	and	and	CCONJ
emaj-156	65	36	interpretive	interpretive	ADJ
emaj-156	65	37	approach	approach	NOUN
emaj-156	65	38	.	.	PUNCT
emaj-156	66	1	thus	thus	ADV
emaj-156	66	2	,	,	PUNCT
emaj-156	66	3	qualitative	qualitative	ADJ
emaj-156	66	4	research	research	NOUN
emaj-156	66	5	methods	method	NOUN
emaj-156	66	6	are	be	AUX
emaj-156	66	7	commonly	commonly	ADV
emaj-156	66	8	used	use	VERB
emaj-156	66	9	in	in	ADP
emaj-156	66	10	initial	initial	ADJ
emaj-156	66	11	stage	stage	NOUN
emaj-156	66	12	of	of	ADP
emaj-156	66	13	research	research	NOUN
emaj-156	66	14	in	in	ADP
emaj-156	66	15	social	social	ADJ
emaj-156	66	16	science	science	NOUN
emaj-156	66	17	and	and	CCONJ
emaj-156	66	18	detailed	detailed	ADJ
emaj-156	66	19	data	datum	NOUN
emaj-156	66	20	obtained	obtain	VERB
emaj-156	66	21	from	from	ADP
emaj-156	66	22	qualitative	qualitative	ADJ
emaj-156	66	23	research	research	NOUN
emaj-156	66	24	(	(	PUNCT
emaj-156	66	25	eg	eg	NOUN
emaj-156	66	26	.	.	PUNCT
emaj-156	66	27	focus	focus	NOUN
emaj-156	66	28	groups	group	NOUN
emaj-156	66	29	or	or	CCONJ
emaj-156	66	30	depth	depth	NOUN
emaj-156	66	31	interview	interview	NOUN
emaj-156	66	32	)	)	PUNCT
emaj-156	66	33	constitute	constitute	VERB
emaj-156	66	34	a	a	DET
emaj-156	66	35	base	base	NOUN
emaj-156	66	36	for	for	ADP
emaj-156	66	37	quantitative	quantitative	ADJ
emaj-156	66	38	research	research	NOUN
emaj-156	66	39	like	like	ADP
emaj-156	66	40	questionnaires	questionnaire	NOUN
emaj-156	66	41	(	(	PUNCT
emaj-156	66	42	kitzinger	kitzinger	NOUN
emaj-156	66	43	,	,	PUNCT
emaj-156	66	44	1995	1995	NUM
emaj-156	66	45	)	)	PUNCT
emaj-156	66	46	.	.	PUNCT
emaj-156	67	1	therefore	therefore	ADV
emaj-156	67	2	this	this	DET
emaj-156	67	3	study	study	NOUN
emaj-156	67	4	used	use	VERB
emaj-156	67	5	in	in	ADP
emaj-156	67	6	depth	depth	NOUN
emaj-156	67	7	interview	interview	NOUN
emaj-156	67	8	to	to	PART
emaj-156	67	9	reveal	reveal	VERB
emaj-156	67	10	turkish	turkish	ADJ
emaj-156	67	11	culture	culture	NOUN
emaj-156	67	12	and	and	CCONJ
emaj-156	67	13	socio	socio	NOUN
emaj-156	67	14	-	-	PUNCT
emaj-156	67	15	economic	economic	ADJ
emaj-156	67	16	structure	structure	NOUN
emaj-156	67	17	specific	specific	ADJ
emaj-156	67	18	personal	personal	ADJ
emaj-156	67	19	traits	trait	NOUN
emaj-156	67	20	,	,	PUNCT
emaj-156	67	21	attitudes	attitude	NOUN
emaj-156	67	22	and	and	CCONJ
emaj-156	67	23	behaviors	behavior	NOUN
emaj-156	67	24	affecting	affect	VERB
emaj-156	67	25	repayment	repayment	NOUN
emaj-156	67	26	behavior	behavior	NOUN
emaj-156	67	27	.	.	PUNCT
emaj-156	68	1	in	in	ADP
emaj-156	68	2	this	this	DET
emaj-156	68	3	context	context	NOUN
emaj-156	68	4	,	,	PUNCT
emaj-156	68	5	at	at	ADP
emaj-156	68	6	first	first	ADJ
emaj-156	68	7	phase	phase	NOUN
emaj-156	68	8	of	of	ADP
emaj-156	68	9	research	research	NOUN
emaj-156	68	10	,	,	PUNCT
emaj-156	68	11	in	in	ADP
emaj-156	68	12	depth	depth	NOUN
emaj-156	68	13	interview	interview	NOUN
emaj-156	68	14	method	method	NOUN
emaj-156	68	15	was	be	AUX
emaj-156	68	16	used	use	VERB
emaj-156	68	17	.	.	PUNCT
emaj-156	69	1	the	the	DET
emaj-156	69	2	researchers	researcher	NOUN
emaj-156	69	3	,	,	PUNCT
emaj-156	69	4	using	use	VERB
emaj-156	69	5	purposive	purposive	ADJ
emaj-156	69	6	sampling	sampling	NOUN
emaj-156	69	7	,	,	PUNCT
emaj-156	69	8	targeted	target	VERB
emaj-156	69	9	three	three	NUM
emaj-156	69	10	types	type	NOUN
emaj-156	69	11	of	of	ADP
emaj-156	69	12	sample	sample	NOUN
emaj-156	69	13	groups	group	NOUN
emaj-156	69	14	to	to	PART
emaj-156	69	15	interview	interview	VERB
emaj-156	69	16	:	:	PUNCT
emaj-156	69	17	(	(	PUNCT
emaj-156	69	18	1	1	X
emaj-156	69	19	)	)	PUNCT
emaj-156	69	20	“	"	PUNCT
emaj-156	69	21	bank	bank	NOUN
emaj-156	69	22	staff	staff	NOUN
emaj-156	69	23	”	"	PUNCT
emaj-156	69	24	who	who	PRON
emaj-156	69	25	have	have	VERB
emaj-156	69	26	authority	authority	NOUN
emaj-156	69	27	to	to	PART
emaj-156	69	28	make	make	VERB
emaj-156	69	29	credit	credit	NOUN
emaj-156	69	30	decisions	decision	NOUN
emaj-156	69	31	,	,	PUNCT
emaj-156	69	32	along	along	ADP
emaj-156	69	33	with	with	ADP
emaj-156	69	34	interacting	interact	VERB
emaj-156	69	35	with	with	ADP
emaj-156	69	36	individual	individual	ADJ
emaj-156	69	37	customers	customer	NOUN
emaj-156	69	38	one	one	NUM
emaj-156	69	39	to	to	ADP
emaj-156	69	40	one	one	NUM
emaj-156	69	41	and	and	CCONJ
emaj-156	69	42	have	have	VERB
emaj-156	69	43	at	at	ADV
emaj-156	69	44	least	least	ADJ
emaj-156	69	45	5	5	NUM
emaj-156	69	46	-	-	PUNCT
emaj-156	69	47	years	year	NOUN
emaj-156	69	48	of	of	ADP
emaj-156	69	49	experience	experience	NOUN
emaj-156	69	50	in	in	ADP
emaj-156	69	51	individual	individual	ADJ
emaj-156	69	52	customer	customer	NOUN
emaj-156	69	53	banking	banking	NOUN
emaj-156	69	54	;	;	PUNCT
emaj-156	69	55	(	(	PUNCT
emaj-156	69	56	2)“regular	2)“regular	NUM
emaj-156	69	57	payers	payer	NOUN
emaj-156	69	58	”	"	PUNCT
emaj-156	69	59	who	who	PRON
emaj-156	69	60	have	have	VERB
emaj-156	69	61	debtor	debtor	NOUN
emaj-156	69	62	-	-	PUNCT
emaj-156	69	63	creditor	creditor	NOUN
emaj-156	69	64	relationship	relationship	NOUN
emaj-156	69	65	with	with	ADP
emaj-156	69	66	a	a	DET
emaj-156	69	67	bank	bank	NOUN
emaj-156	69	68	and	and	CCONJ
emaj-156	69	69	pay	pay	VERB
emaj-156	69	70	his	his	PRON
emaj-156	69	71	/	/	SYM
emaj-156	69	72	her	her	PRON
emaj-156	69	73	debts	debt	NOUN
emaj-156	69	74	before	before	ADP
emaj-156	69	75	or	or	CCONJ
emaj-156	69	76	on	on	ADP
emaj-156	69	77	due	due	ADJ
emaj-156	69	78	date	date	NOUN
emaj-156	69	79	;	;	PUNCT
emaj-156	69	80	and	and	CCONJ
emaj-156	69	81	(	(	PUNCT
emaj-156	69	82	3	3	X
emaj-156	69	83	)	)	PUNCT
emaj-156	69	84	volume	volume	NOUN
emaj-156	69	85	8	8	NUM
emaj-156	69	86	no	no	DET
emaj-156	69	87	2	2	NUM
emaj-156	69	88	(	(	PUNCT
emaj-156	69	89	2018	2018	NUM
emaj-156	69	90	)	)	PUNCT
emaj-156	69	91	|	|	ADV
emaj-156	69	92	issn	issn	VERB
emaj-156	69	93	2158	2158	NUM
emaj-156	69	94	-	-	SYM
emaj-156	69	95	8708	8708	NUM
emaj-156	69	96	(	(	PUNCT
emaj-156	69	97	online	online	NOUN
emaj-156	69	98	)	)	PUNCT
emaj-156	69	99	|	|	ADV
emaj-156	69	100	doi	doi	X
emaj-156	69	101	10.5195	10.5195	NUM
emaj-156	69	102	/	/	SYM
emaj-156	69	103	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	69	104	|	|	ADV
emaj-156	69	105	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	69	106	a	a	DET
emaj-156	69	107	field	field	NOUN
emaj-156	69	108	research	research	NOUN
emaj-156	69	109	to	to	PART
emaj-156	69	110	identify	identify	VERB
emaj-156	69	111	psychological	psychological	ADJ
emaj-156	69	112	factors	factor	NOUN
emaj-156	69	113	influencing	influence	VERB
emaj-156	69	114	the	the	DET
emaj-156	69	115	debt	debt	NOUN
emaj-156	69	116	repayment	repayment	NOUN
emaj-156	69	117	behavior	behavior	NOUN
emaj-156	69	118	in	in	ADP
emaj-156	69	119	turkey	turkey	NOUN
emaj-156	69	120	page	page	NOUN
emaj-156	70	1	|28|	|28|	NOUN
emaj-156	70	2	emerging	emerge	VERB
emaj-156	70	3	markets	market	NOUN
emaj-156	70	4	journal	journal	NOUN
emaj-156	70	5	“	"	PUNCT
emaj-156	70	6	irregular	irregular	ADJ
emaj-156	70	7	payers	payer	NOUN
emaj-156	70	8	”	"	PUNCT
emaj-156	70	9	who	who	PRON
emaj-156	70	10	have	have	VERB
emaj-156	70	11	debtor	debtor	NOUN
emaj-156	70	12	-	-	PUNCT
emaj-156	70	13	creditor	creditor	NOUN
emaj-156	70	14	relationship	relationship	NOUN
emaj-156	70	15	with	with	ADP
emaj-156	70	16	a	a	DET
emaj-156	70	17	bank	bank	NOUN
emaj-156	70	18	but	but	CCONJ
emaj-156	70	19	have	have	VERB
emaj-156	70	20	some	some	DET
emaj-156	70	21	problems	problem	NOUN
emaj-156	70	22	with	with	ADP
emaj-156	70	23	paying	pay	VERB
emaj-156	70	24	his	his	PRON
emaj-156	70	25	/	/	SYM
emaj-156	70	26	her	her	PRON
emaj-156	70	27	debts	debt	NOUN
emaj-156	70	28	(	(	PUNCT
emaj-156	70	29	eg	eg	NOUN
emaj-156	70	30	.	.	PUNCT
emaj-156	71	1	paying	pay	VERB
emaj-156	71	2	interest	interest	NOUN
emaj-156	71	3	/	/	SYM
emaj-156	71	4	fine	fine	NOUN
emaj-156	71	5	because	because	SCONJ
emaj-156	71	6	of	of	ADP
emaj-156	71	7	late	late	ADJ
emaj-156	71	8	payment	payment	NOUN
emaj-156	71	9	or	or	CCONJ
emaj-156	71	10	facing	face	VERB
emaj-156	71	11	debt	debt	NOUN
emaj-156	71	12	litigation	litigation	NOUN
emaj-156	71	13	or	or	CCONJ
emaj-156	71	14	attachment	attachment	NOUN
emaj-156	71	15	proceedings	proceeding	NOUN
emaj-156	71	16	)	)	PUNCT
emaj-156	71	17	.	.	PUNCT
emaj-156	72	1	semi	semi	ADJ
emaj-156	72	2	-	-	ADJ
emaj-156	72	3	structured	structured	ADJ
emaj-156	72	4	interviews	interview	NOUN
emaj-156	72	5	have	have	AUX
emaj-156	72	6	been	be	AUX
emaj-156	72	7	conducted	conduct	VERB
emaj-156	72	8	with	with	ADP
emaj-156	72	9	10	10	NUM
emaj-156	72	10	participants	participant	NOUN
emaj-156	72	11	.	.	PUNCT
emaj-156	73	1	2	2	NUM
emaj-156	73	2	participants	participant	NOUN
emaj-156	73	3	,	,	PUNCT
emaj-156	73	4	referred	refer	VERB
emaj-156	73	5	as	as	ADP
emaj-156	73	6	“	"	PUNCT
emaj-156	73	7	bank	bank	NOUN
emaj-156	73	8	staff	staff	NOUN
emaj-156	73	9	”	"	PUNCT
emaj-156	73	10	,	,	PUNCT
emaj-156	73	11	are	be	AUX
emaj-156	73	12	executives	executive	NOUN
emaj-156	73	13	in	in	ADP
emaj-156	73	14	individual	individual	ADJ
emaj-156	73	15	customer	customer	NOUN
emaj-156	73	16	banking	banking	NOUN
emaj-156	73	17	department	department	NOUN
emaj-156	73	18	of	of	ADP
emaj-156	73	19	2	2	NUM
emaj-156	73	20	different	different	ADJ
emaj-156	73	21	banks	bank	NOUN
emaj-156	73	22	;	;	PUNCT
emaj-156	73	23	7	7	NUM
emaj-156	73	24	participants	participant	NOUN
emaj-156	73	25	,	,	PUNCT
emaj-156	73	26	referred	refer	VERB
emaj-156	73	27	as	as	ADP
emaj-156	73	28	“	"	PUNCT
emaj-156	73	29	regular	regular	ADJ
emaj-156	73	30	payer	payer	NOUN
emaj-156	73	31	”	"	PUNCT
emaj-156	73	32	,	,	PUNCT
emaj-156	73	33	pay	pay	VERB
emaj-156	73	34	their	their	PRON
emaj-156	73	35	debts	debt	NOUN
emaj-156	73	36	regularly	regularly	ADV
emaj-156	73	37	and	and	CCONJ
emaj-156	73	38	1	1	NUM
emaj-156	73	39	participant	participant	NOUN
emaj-156	73	40	,	,	PUNCT
emaj-156	73	41	referred	refer	VERB
emaj-156	73	42	as	as	ADP
emaj-156	73	43	“	"	PUNCT
emaj-156	73	44	irregular	irregular	ADJ
emaj-156	73	45	payer	payer	NOUN
emaj-156	73	46	”	"	PUNCT
emaj-156	73	47	,	,	PUNCT
emaj-156	73	48	pays	pay	VERB
emaj-156	73	49	his	his	PRON
emaj-156	73	50	debts	debt	NOUN
emaj-156	73	51	occasionally	occasionally	ADV
emaj-156	73	52	.	.	PUNCT
emaj-156	74	1	demographic	demographic	ADJ
emaj-156	74	2	characteristics	characteristic	NOUN
emaj-156	74	3	of	of	ADP
emaj-156	74	4	participants	participant	NOUN
emaj-156	74	5	are	be	AUX
emaj-156	74	6	given	give	VERB
emaj-156	74	7	in	in	ADP
emaj-156	74	8	table	table	NOUN
emaj-156	74	9	1	1	NUM
emaj-156	74	10	below	below	ADV
emaj-156	74	11	:	:	PUNCT
emaj-156	74	12	table	table	NOUN
emaj-156	74	13	1	1	NUM
emaj-156	74	14	.	.	PUNCT
emaj-156	75	1	demographics	demographic	NOUN
emaj-156	75	2	of	of	ADP
emaj-156	75	3	participants	participant	NOUN
emaj-156	75	4	face	face	VERB
emaj-156	75	5	to	to	PART
emaj-156	75	6	face	face	NOUN
emaj-156	75	7	interviews	interview	NOUN
emaj-156	75	8	have	have	AUX
emaj-156	75	9	been	be	AUX
emaj-156	75	10	conducted	conduct	VERB
emaj-156	75	11	and	and	CCONJ
emaj-156	75	12	all	all	DET
emaj-156	75	13	interviews	interview	NOUN
emaj-156	75	14	were	be	AUX
emaj-156	75	15	recorded	record	VERB
emaj-156	75	16	by	by	ADP
emaj-156	75	17	digital	digital	ADJ
emaj-156	75	18	voice	voice	NOUN
emaj-156	75	19	recorder	recorder	NOUN
emaj-156	75	20	with	with	ADP
emaj-156	75	21	the	the	DET
emaj-156	75	22	permissions	permission	NOUN
emaj-156	75	23	of	of	ADP
emaj-156	75	24	the	the	DET
emaj-156	75	25	participants	participant	NOUN
emaj-156	75	26	.	.	PUNCT
emaj-156	76	1	participants	participant	NOUN
emaj-156	76	2	were	be	AUX
emaj-156	76	3	informed	inform	VERB
emaj-156	76	4	that	that	SCONJ
emaj-156	76	5	all	all	DET
emaj-156	76	6	information	information	NOUN
emaj-156	76	7	they	they	PRON
emaj-156	76	8	shared	share	VERB
emaj-156	76	9	will	will	AUX
emaj-156	76	10	be	be	AUX
emaj-156	76	11	used	use	VERB
emaj-156	76	12	just	just	ADV
emaj-156	76	13	for	for	ADP
emaj-156	76	14	academic	academic	ADJ
emaj-156	76	15	purposes	purpose	NOUN
emaj-156	76	16	and	and	CCONJ
emaj-156	76	17	will	will	AUX
emaj-156	76	18	not	not	PART
emaj-156	76	19	be	be	AUX
emaj-156	76	20	published	publish	VERB
emaj-156	76	21	without	without	ADP
emaj-156	76	22	their	their	PRON
emaj-156	76	23	permission	permission	NOUN
emaj-156	76	24	.	.	PUNCT
emaj-156	77	1	respondents	respondent	NOUN
emaj-156	77	2	were	be	AUX
emaj-156	77	3	asked	ask	VERB
emaj-156	77	4	different	different	ADJ
emaj-156	77	5	questions	question	NOUN
emaj-156	77	6	structured	structure	VERB
emaj-156	77	7	in	in	ADP
emaj-156	77	8	different	different	ADJ
emaj-156	77	9	forms	form	NOUN
emaj-156	77	10	to	to	PART
emaj-156	77	11	explore	explore	VERB
emaj-156	77	12	and	and	CCONJ
emaj-156	77	13	to	to	PART
emaj-156	77	14	identify	identify	VERB
emaj-156	77	15	distinctive	distinctive	ADJ
emaj-156	77	16	personality	personality	NOUN
emaj-156	77	17	traits	trait	NOUN
emaj-156	77	18	,	,	PUNCT
emaj-156	77	19	attitudes	attitude	NOUN
emaj-156	77	20	and	and	CCONJ
emaj-156	77	21	behaviors	behavior	NOUN
emaj-156	77	22	of	of	ADP
emaj-156	77	23	regular	regular	ADJ
emaj-156	77	24	and	and	CCONJ
emaj-156	77	25	irregular	irregular	ADJ
emaj-156	77	26	payers	payer	NOUN
emaj-156	77	27	as	as	SCONJ
emaj-156	77	28	depicted	depict	VERB
emaj-156	77	29	on	on	ADP
emaj-156	77	30	following	follow	VERB
emaj-156	77	31	(	(	PUNCT
emaj-156	77	32	table	table	NOUN
emaj-156	77	33	2	2	NUM
emaj-156	77	34	):	):	PUNCT
emaj-156	77	35	table	table	NOUN
emaj-156	77	36	2	2	NUM
emaj-156	77	37	.	.	PUNCT
emaj-156	77	38	sample	sample	NOUN
emaj-156	77	39	questions	question	NOUN
emaj-156	77	40	asked	ask	VERB
emaj-156	77	41	to	to	ADP
emaj-156	77	42	respondents	respondent	NOUN
emaj-156	77	43	the	the	DET
emaj-156	77	44	voice	voice	NOUN
emaj-156	77	45	recordings	recording	NOUN
emaj-156	77	46	(	(	PUNCT
emaj-156	77	47	93	93	NUM
emaj-156	77	48	minutes	minute	NOUN
emaj-156	77	49	)	)	PUNCT
emaj-156	77	50	were	be	AUX
emaj-156	77	51	transcripted	transcripte	VERB
emaj-156	77	52	into	into	ADP
emaj-156	77	53	a	a	DET
emaj-156	77	54	written	write	VERB
emaj-156	77	55	document	document	NOUN
emaj-156	77	56	by	by	ADP
emaj-156	77	57	researchers	researcher	NOUN
emaj-156	77	58	in	in	ADP
emaj-156	77	59	the	the	DET
emaj-156	77	60	same	same	ADJ
emaj-156	77	61	day	day	NOUN
emaj-156	77	62	.	.	PUNCT
emaj-156	78	1	then	then	ADV
emaj-156	78	2	,	,	PUNCT
emaj-156	78	3	data	datum	NOUN
emaj-156	78	4	obtained	obtain	VERB
emaj-156	78	5	from	from	ADP
emaj-156	78	6	10	10	NUM
emaj-156	78	7	interviewees	interviewee	NOUN
emaj-156	78	8	were	be	AUX
emaj-156	78	9	coded	code	VERB
emaj-156	78	10	and	and	CCONJ
emaj-156	78	11	analyzed	analyze	VERB
emaj-156	78	12	by	by	ADP
emaj-156	78	13	3	3	NUM
emaj-156	78	14	different	different	ADJ
emaj-156	78	15	researchers	researcher	NOUN
emaj-156	78	16	.	.	PUNCT
emaj-156	79	1	for	for	ADP
emaj-156	79	2	methodological	methodological	ADJ
emaj-156	79	3	soundness	soundness	NOUN
emaj-156	79	4	of	of	ADP
emaj-156	79	5	this	this	DET
emaj-156	79	6	research	research	NOUN
emaj-156	79	7	,	,	PUNCT
emaj-156	79	8	triangulation	triangulation	NOUN
emaj-156	79	9	strategy	strategy	NOUN
emaj-156	79	10	(	(	PUNCT
emaj-156	79	11	denzin	denzin	NOUN
emaj-156	79	12	1978	1978	NUM
emaj-156	79	13	)	)	PUNCT
emaj-156	79	14	was	be	AUX
emaj-156	79	15	followed	follow	VERB
emaj-156	79	16	.	.	PUNCT
emaj-156	80	1	as	as	ADP
emaj-156	80	2	purpose	purpose	NOUN
emaj-156	80	3	of	of	ADP
emaj-156	80	4	triangulation	triangulation	NOUN
emaj-156	80	5	(	(	PUNCT
emaj-156	80	6	jick	jick	NOUN
emaj-156	80	7	1979	1979	NUM
emaj-156	80	8	)	)	PUNCT
emaj-156	80	9	strategy	strategy	NOUN
emaj-156	80	10	,	,	PUNCT
emaj-156	80	11	firstly	firstly	ADV
emaj-156	80	12	,	,	PUNCT
emaj-156	80	13	data	datum	NOUN
emaj-156	80	14	were	be	AUX
emaj-156	80	15	gathered	gather	VERB
emaj-156	80	16	from	from	ADP
emaj-156	80	17	different	different	ADJ
emaj-156	80	18	sources	source	NOUN
emaj-156	80	19	such	such	ADJ
emaj-156	80	20	as	as	ADP
emaj-156	80	21	bank	bank	NOUN
emaj-156	80	22	staff	staff	NOUN
emaj-156	80	23	,	,	PUNCT
emaj-156	80	24	regular	regular	ADJ
emaj-156	80	25	payers	payer	NOUN
emaj-156	80	26	and	and	CCONJ
emaj-156	80	27	irregular	irregular	ADJ
emaj-156	80	28	payers	payer	NOUN
emaj-156	80	29	,	,	PUNCT
emaj-156	80	30	secondly	secondly	ADV
emaj-156	80	31	,	,	PUNCT
emaj-156	80	32	data	datum	NOUN
emaj-156	80	33	were	be	AUX
emaj-156	80	34	analyzed	analyze	VERB
emaj-156	80	35	by	by	ADP
emaj-156	80	36	3	3	NUM
emaj-156	80	37	researchers	researcher	NOUN
emaj-156	80	38	individually	individually	ADV
emaj-156	80	39	.	.	PUNCT
emaj-156	81	1	for	for	ADP
emaj-156	81	2	data	datum	NOUN
emaj-156	81	3	analysis	analysis	NOUN
emaj-156	81	4	process	process	NOUN
emaj-156	81	5	,	,	PUNCT
emaj-156	81	6	the	the	DET
emaj-156	81	7	framework	framework	NOUN
emaj-156	81	8	of	of	ADP
emaj-156	81	9	miles	mile	NOUN
emaj-156	81	10	and	and	CCONJ
emaj-156	81	11	huberman	huberman	NOUN
emaj-156	81	12	(	(	PUNCT
emaj-156	81	13	1984	1984	NUM
emaj-156	81	14	)	)	PUNCT
emaj-156	81	15	has	have	AUX
emaj-156	81	16	been	be	AUX
emaj-156	81	17	adopted	adopt	VERB
emaj-156	81	18	.	.	PUNCT
emaj-156	82	1	miles	mile	NOUN
emaj-156	82	2	and	and	CCONJ
emaj-156	82	3	huberman	huberman	NOUN
emaj-156	82	4	(	(	PUNCT
emaj-156	82	5	1984	1984	NUM
emaj-156	82	6	)	)	PUNCT
emaj-156	82	7	proposed	propose	VERB
emaj-156	82	8	that	that	SCONJ
emaj-156	82	9	qualitative	qualitative	ADJ
emaj-156	82	10	data	data	NOUN
emaj-156	82	11	analysis	analysis	NOUN
emaj-156	82	12	should	should	AUX
emaj-156	82	13	include	include	VERB
emaj-156	82	14	(	(	PUNCT
emaj-156	82	15	1	1	X
emaj-156	82	16	)	)	PUNCT
emaj-156	82	17	data	datum	NOUN
emaj-156	82	18	reduction	reduction	NOUN
emaj-156	82	19	(	(	PUNCT
emaj-156	82	20	the	the	DET
emaj-156	82	21	process	process	NOUN
emaj-156	82	22	of	of	ADP
emaj-156	82	23	selecting	selecting	NOUN
emaj-156	82	24	,	,	PUNCT
emaj-156	82	25	focusing	focus	VERB
emaj-156	82	26	,	,	PUNCT
emaj-156	82	27	simplifying	simplifying	NOUN
emaj-156	82	28	,	,	PUNCT
emaj-156	82	29	abstracting	abstract	VERB
emaj-156	82	30	,	,	PUNCT
emaj-156	82	31	and	and	CCONJ
emaj-156	82	32	transforming	transform	VERB
emaj-156	82	33	the	the	DET
emaj-156	82	34	data	datum	NOUN
emaj-156	82	35	that	that	PRON
emaj-156	82	36	appear	appear	VERB
emaj-156	82	37	in	in	ADP
emaj-156	82	38	written	write	VERB
emaj-156	82	39	up	up	ADP
emaj-156	82	40	field	field	NOUN
emaj-156	82	41	notes	note	NOUN
emaj-156	82	42	or	or	CCONJ
emaj-156	82	43	transcriptions	transcription	NOUN
emaj-156	82	44	)	)	PUNCT
emaj-156	82	45	,	,	PUNCT
emaj-156	82	46	(	(	PUNCT
emaj-156	82	47	2	2	X
emaj-156	82	48	)	)	PUNCT
emaj-156	82	49	data	datum	NOUN
emaj-156	82	50	display	display	NOUN
emaj-156	82	51	(	(	PUNCT
emaj-156	82	52	an	an	DET
emaj-156	82	53	organized	organize	VERB
emaj-156	82	54	,	,	PUNCT
emaj-156	82	55	compressed	compressed	ADJ
emaj-156	82	56	assembly	assembly	NOUN
emaj-156	82	57	of	of	ADP
emaj-156	82	58	information	information	NOUN
emaj-156	82	59	through	through	ADP
emaj-156	82	60	diagrams	diagram	NOUN
emaj-156	82	61	,	,	PUNCT
emaj-156	82	62	charts	chart	NOUN
emaj-156	82	63	or	or	CCONJ
emaj-156	82	64	tables	table	NOUN
emaj-156	82	65	,	,	PUNCT
emaj-156	82	66	and	and	CCONJ
emaj-156	82	67	(	(	PUNCT
emaj-156	82	68	3	3	X
emaj-156	82	69	)	)	PUNCT
emaj-156	82	70	conclusion	conclusion	NOUN
emaj-156	82	71	drawing	drawing	NOUN
emaj-156	82	72	-	-	PUNCT
emaj-156	82	73	verification	verification	NOUN
emaj-156	82	74	(	(	PUNCT
emaj-156	82	75	revisiting	revisit	VERB
emaj-156	82	76	the	the	DET
emaj-156	82	77	data	datum	NOUN
emaj-156	82	78	as	as	ADV
emaj-156	82	79	many	many	ADJ
emaj-156	82	80	times	time	NOUN
emaj-156	82	81	as	as	ADV
emaj-156	82	82	necessary	necessary	ADJ
emaj-156	82	83	and	and	CCONJ
emaj-156	82	84	check	check	VERB
emaj-156	82	85	the	the	DET
emaj-156	82	86	literature	literature	NOUN
emaj-156	82	87	to	to	AUX
emaj-156	82	88	cross	cross	VERB
emaj-156	82	89	-	-	NOUN
emaj-156	82	90	check	check	VERB
emaj-156	82	91	or	or	CCONJ
emaj-156	82	92	verify	verify	VERB
emaj-156	82	93	these	these	DET
emaj-156	82	94	emergent	emergent	ADJ
emaj-156	82	95	conclusions	conclusion	NOUN
emaj-156	82	96	)	)	PUNCT
emaj-156	82	97	processes	process	NOUN
emaj-156	82	98	.	.	PUNCT
emaj-156	83	1	in	in	ADP
emaj-156	83	2	this	this	DET
emaj-156	83	3	direction	direction	NOUN
emaj-156	83	4	,	,	PUNCT
emaj-156	83	5	data	datum	NOUN
emaj-156	83	6	obtained	obtain	VERB
emaj-156	83	7	from	from	ADP
emaj-156	83	8	10	10	NUM
emaj-156	83	9	participants	participant	NOUN
emaj-156	83	10	was	be	AUX
emaj-156	83	11	grouped	group	VERB
emaj-156	83	12	based	base	VERB
emaj-156	83	13	on	on	ADP
emaj-156	83	14	2	2	NUM
emaj-156	83	15	main	main	ADJ
emaj-156	83	16	questions	question	NOUN
emaj-156	83	17	:	:	PUNCT
emaj-156	83	18	(	(	PUNCT
emaj-156	83	19	1	1	X
emaj-156	83	20	)	)	PUNCT
emaj-156	83	21	what	what	PRON
emaj-156	83	22	are	be	AUX
emaj-156	83	23	the	the	DET
emaj-156	83	24	main	main	ADJ
emaj-156	83	25	characteristics	characteristic	NOUN
emaj-156	83	26	of	of	ADP
emaj-156	83	27	regular	regular	ADJ
emaj-156	83	28	payers	payer	NOUN
emaj-156	83	29	?	?	PUNCT
emaj-156	83	30	,	,	PUNCT
emaj-156	83	31	and	and	CCONJ
emaj-156	83	32	(	(	PUNCT
emaj-156	83	33	2	2	X
emaj-156	83	34	)	)	PUNCT
emaj-156	83	35	what	what	PRON
emaj-156	83	36	are	be	AUX
emaj-156	83	37	the	the	DET
emaj-156	83	38	main	main	ADJ
emaj-156	83	39	characteristics	characteristic	NOUN
emaj-156	83	40	of	of	ADP
emaj-156	83	41	irregular	irregular	ADJ
emaj-156	83	42	payers	payer	NOUN
emaj-156	83	43	.	.	PUNCT
emaj-156	84	1	then	then	ADV
emaj-156	84	2	,	,	PUNCT
emaj-156	84	3	those	those	DET
emaj-156	84	4	data	datum	NOUN
emaj-156	84	5	were	be	AUX
emaj-156	84	6	coded	code	VERB
emaj-156	84	7	by	by	ADP
emaj-156	84	8	2	2	NUM
emaj-156	84	9	different	different	ADJ
emaj-156	84	10	researchers	researcher	NOUN
emaj-156	84	11	independently	independently	ADV
emaj-156	84	12	by	by	ADP
emaj-156	84	13	using	use	VERB
emaj-156	84	14	the	the	DET
emaj-156	84	15	open	open	ADJ
emaj-156	84	16	coding	code	VERB
emaj-156	84	17	technique	technique	NOUN
emaj-156	84	18	to	to	PART
emaj-156	84	19	ensure	ensure	VERB
emaj-156	84	20	the	the	DET
emaj-156	84	21	inter	inter	ADJ
emaj-156	84	22	-	-	ADJ
emaj-156	84	23	rater	rater	ADJ
emaj-156	84	24	reliability	reliability	NOUN
emaj-156	84	25	(	(	PUNCT
emaj-156	84	26	armstrong	armstrong	PROPN
emaj-156	84	27	,	,	PUNCT
emaj-156	84	28	gosling	gosling	NOUN
emaj-156	84	29	,	,	PUNCT
emaj-156	84	30	weinman	weinman	ADJ
emaj-156	84	31	,	,	PUNCT
emaj-156	84	32	marteau	marteau	NOUN
emaj-156	84	33	1997	1997	NUM
emaj-156	84	34	)	)	PUNCT
emaj-156	84	35	.	.	PUNCT
emaj-156	85	1	85	85	NUM
emaj-156	85	2	%	%	NOUN
emaj-156	85	3	consistency	consistency	NOUN
emaj-156	85	4	is	be	AUX
emaj-156	85	5	provided	provide	VERB
emaj-156	85	6	between	between	ADP
emaj-156	85	7	two	two	NUM
emaj-156	85	8	researchers	researcher	NOUN
emaj-156	85	9	’	'	PUNCT
emaj-156	85	10	coding	code	VERB
emaj-156	85	11	.	.	PUNCT
emaj-156	86	1	the	the	DET
emaj-156	86	2	3rd	3rd	ADJ
emaj-156	86	3	researcher	researcher	NOUN
emaj-156	86	4	checked	check	VERB
emaj-156	86	5	the	the	DET
emaj-156	86	6	coding	coding	NOUN
emaj-156	86	7	,	,	PUNCT
emaj-156	86	8	and	and	CCONJ
emaj-156	86	9	coding	code	VERB
emaj-156	86	10	differences	difference	NOUN
emaj-156	86	11	among	among	ADP
emaj-156	86	12	researchers	researcher	NOUN
emaj-156	86	13	were	be	AUX
emaj-156	86	14	eliminated	eliminate	VERB
emaj-156	86	15	through	through	ADP
emaj-156	86	16	reconciliation	reconciliation	NOUN
emaj-156	86	17	.	.	PUNCT
emaj-156	87	1	concepts	concept	NOUN
emaj-156	87	2	provided	provide	VERB
emaj-156	87	3	by	by	ADP
emaj-156	87	4	initial	initial	ADJ
emaj-156	87	5	coding	code	VERB
emaj-156	87	6	process	process	NOUN
emaj-156	87	7	,	,	PUNCT
emaj-156	87	8	were	be	AUX
emaj-156	87	9	subsumed	subsume	VERB
emaj-156	87	10	into	into	ADP
emaj-156	87	11	subcategories	subcategorie	NOUN
emaj-156	87	12	at	at	ADP
emaj-156	87	13	second	second	ADJ
emaj-156	87	14	stage	stage	NOUN
emaj-156	87	15	by	by	ADP
emaj-156	87	16	the	the	DET
emaj-156	87	17	researchers	researcher	NOUN
emaj-156	87	18	jointly	jointly	ADV
emaj-156	87	19	and	and	CCONJ
emaj-156	87	20	the	the	DET
emaj-156	87	21	main	main	ADJ
emaj-156	87	22	characteristics	characteristic	NOUN
emaj-156	87	23	of	of	ADP
emaj-156	87	24	regular	regular	ADJ
emaj-156	87	25	payers	payer	NOUN
emaj-156	87	26	and	and	CCONJ
emaj-156	87	27	irregular	irregular	ADJ
emaj-156	87	28	payers	payer	NOUN
emaj-156	87	29	were	be	AUX
emaj-156	87	30	categorized	categorize	VERB
emaj-156	87	31	as	as	SCONJ
emaj-156	87	32	depicted	depict	VERB
emaj-156	87	33	in	in	ADP
emaj-156	87	34	table	table	NOUN
emaj-156	87	35	3	3	NUM
emaj-156	87	36	.	.	PUNCT
emaj-156	88	1	volume	volume	NOUN
emaj-156	88	2	8	8	NUM
emaj-156	88	3	no	no	DET
emaj-156	88	4	2	2	NUM
emaj-156	88	5	(	(	PUNCT
emaj-156	88	6	2018	2018	NUM
emaj-156	88	7	)	)	PUNCT
emaj-156	89	1	|	|	ADV
emaj-156	89	2	issn	issn	VERB
emaj-156	89	3	2158	2158	NUM
emaj-156	89	4	-	-	SYM
emaj-156	89	5	8708	8708	NUM
emaj-156	89	6	(	(	PUNCT
emaj-156	89	7	online	online	NOUN
emaj-156	89	8	)	)	PUNCT
emaj-156	89	9	|	|	ADV
emaj-156	89	10	doi	doi	X
emaj-156	89	11	10.5195	10.5195	NUM
emaj-156	89	12	/	/	SYM
emaj-156	89	13	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	89	14	|	|	ADV
emaj-156	89	15	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	89	16	mehtap	mehtap	ADJ
emaj-156	89	17	özşahin	özşahin	NOUN
emaj-156	89	18	,	,	PUNCT
emaj-156	89	19	senay	senay	NOUN
emaj-156	89	20	yürür	yürür	NOUN
emaj-156	89	21	,	,	PUNCT
emaj-156	89	22	erman	erman	PROPN
emaj-156	89	23	coşkun	coşkun	PROPN
emaj-156	89	24	emerging	emerge	VERB
emaj-156	89	25	markets	market	NOUN
emaj-156	89	26	journal	journal	NOUN
emaj-156	89	27	|	|	ADV
emaj-156	89	28	p	p	NOUN
emaj-156	89	29	a	a	DET
emaj-156	89	30	g	g	NOUN
emaj-156	89	31	e	e	NOUN
emaj-156	89	32	|29	|29	NOUN
emaj-156	89	33	table	table	NOUN
emaj-156	89	34	3	3	NUM
emaj-156	89	35	.	.	PUNCT
emaj-156	89	36	codes	code	NOUN
emaj-156	89	37	provided	provide	VERB
emaj-156	89	38	by	by	ADP
emaj-156	89	39	two	two	NUM
emaj-156	89	40	-	-	PUNCT
emaj-156	89	41	step	step	NOUN
emaj-156	89	42	coding	code	VERB
emaj-156	89	43	analyses	analysis	NOUN
emaj-156	89	44	regular	regular	ADJ
emaj-156	89	45	payers	payer	NOUN
emaj-156	89	46	(	(	PUNCT
emaj-156	89	47	initial	initial	ADJ
emaj-156	89	48	coding	coding	NOUN
emaj-156	89	49	)	)	PUNCT
emaj-156	89	50	regular	regular	ADJ
emaj-156	89	51	payers	payer	NOUN
emaj-156	89	52	(	(	PUNCT
emaj-156	89	53	subcategorization	subcategorization	NOUN
emaj-156	89	54	coding	coding	NOUN
emaj-156	89	55	)	)	PUNCT
emaj-156	89	56	responsibility	responsibility	NOUN
emaj-156	89	57	(	(	PUNCT
emaj-156	89	58	8)	8)	NUM
emaj-156	89	59	responsibility	responsibility	NOUN
emaj-156	89	60	(	(	PUNCT
emaj-156	89	61	23	23	NUM
emaj-156	89	62	)	)	PUNCT
emaj-156	89	63	punctual	punctual	ADJ
emaj-156	89	64	(	(	PUNCT
emaj-156	89	65	3	3	NUM
emaj-156	89	66	)	)	PUNCT
emaj-156	89	67	prudent	prudent	NOUN
emaj-156	89	68	(	(	PUNCT
emaj-156	89	69	3	3	NUM
emaj-156	89	70	)	)	PUNCT
emaj-156	89	71	dependable	dependable	ADJ
emaj-156	89	72	(	(	PUNCT
emaj-156	89	73	3	3	NUM
emaj-156	89	74	)	)	PUNCT
emaj-156	89	75	planned	plan	VERB
emaj-156	89	76	(	(	PUNCT
emaj-156	89	77	1	1	X
emaj-156	89	78	)	)	PUNCT
emaj-156	89	79	consistent	consistent	ADJ
emaj-156	89	80	(	(	PUNCT
emaj-156	89	81	2	2	NUM
emaj-156	89	82	)	)	PUNCT
emaj-156	89	83	ethic	ethic	ADJ
emaj-156	89	84	value	value	NOUN
emaj-156	89	85	(	(	PUNCT
emaj-156	89	86	3	3	X
emaj-156	89	87	)	)	PUNCT
emaj-156	89	88	long	long	ADJ
emaj-156	89	89	term	term	NOUN
emaj-156	89	90	orientation	orientation	NOUN
emaj-156	89	91	(	(	PUNCT
emaj-156	89	92	5	5	X
emaj-156	89	93	)	)	PUNCT
emaj-156	89	94	long	long	ADJ
emaj-156	89	95	term	term	NOUN
emaj-156	89	96	orientation	orientation	NOUN
emaj-156	89	97	(	(	PUNCT
emaj-156	89	98	5	5	X
emaj-156	89	99	)	)	PUNCT
emaj-156	89	100	rational	rational	ADJ
emaj-156	89	101	decision	decision	NOUN
emaj-156	89	102	making	making	NOUN
emaj-156	89	103	(	(	PUNCT
emaj-156	89	104	4	4	NUM
emaj-156	89	105	)	)	PUNCT
emaj-156	89	106	rational	rational	ADJ
emaj-156	89	107	decision	decision	NOUN
emaj-156	89	108	making	making	NOUN
emaj-156	89	109	(	(	PUNCT
emaj-156	89	110	5	5	NUM
emaj-156	89	111	)	)	PUNCT
emaj-156	89	112	realist	realist	ADJ
emaj-156	89	113	(	(	PUNCT
emaj-156	89	114	1	1	NUM
emaj-156	89	115	)	)	PUNCT
emaj-156	89	116	sense	sense	NOUN
emaj-156	89	117	of	of	ADP
emaj-156	89	118	collectivism	collectivism	NOUN
emaj-156	89	119	(	(	PUNCT
emaj-156	89	120	5	5	NUM
emaj-156	89	121	)	)	PUNCT
emaj-156	89	122	sense	sense	NOUN
emaj-156	89	123	of	of	ADP
emaj-156	89	124	collectivism	collectivism	NOUN
emaj-156	89	125	(	(	PUNCT
emaj-156	89	126	5	5	NUM
emaj-156	89	127	)	)	PUNCT
emaj-156	89	128	sanction	sanction	NOUN
emaj-156	89	129	fear	fear	NOUN
emaj-156	89	130	(	(	PUNCT
emaj-156	89	131	4	4	NUM
emaj-156	89	132	)	)	PUNCT
emaj-156	89	133	sanction	sanction	NOUN
emaj-156	89	134	fear	fear	NOUN
emaj-156	89	135	(	(	PUNCT
emaj-156	89	136	4	4	X
emaj-156	89	137	)	)	PUNCT
emaj-156	89	138	risk	risk	NOUN
emaj-156	89	139	aversion(2	aversion(2	ADJ
emaj-156	89	140	)	)	PUNCT
emaj-156	89	141	risk	risk	NOUN
emaj-156	89	142	aversion	aversion	NOUN
emaj-156	89	143	(	(	PUNCT
emaj-156	89	144	2	2	NUM
emaj-156	89	145	)	)	PUNCT
emaj-156	89	146	intolerant	intolerant	ADJ
emaj-156	89	147	to	to	PART
emaj-156	89	148	stress	stress	VERB
emaj-156	89	149	(	(	PUNCT
emaj-156	89	150	1	1	NUM
emaj-156	89	151	)	)	PUNCT
emaj-156	89	152	intolerant	intolerant	ADJ
emaj-156	89	153	to	to	PART
emaj-156	89	154	stress	stress	VERB
emaj-156	89	155	internal	internal	ADJ
emaj-156	89	156	locus	locus	NOUN
emaj-156	89	157	of	of	ADP
emaj-156	89	158	control(1	control(1	NOUN
emaj-156	89	159	)	)	PUNCT
emaj-156	89	160	internal	internal	ADJ
emaj-156	89	161	locus	locus	NOUN
emaj-156	89	162	of	of	ADP
emaj-156	89	163	control	control	NOUN
emaj-156	89	164	financial	financial	ADJ
emaj-156	89	165	literacy	literacy	NOUN
emaj-156	89	166	(	(	PUNCT
emaj-156	89	167	1	1	X
emaj-156	89	168	)	)	PUNCT
emaj-156	89	169	financial	financial	ADJ
emaj-156	89	170	literacy	literacy	NOUN
emaj-156	89	171	irregular	irregular	ADJ
emaj-156	89	172	payers	payer	NOUN
emaj-156	89	173	(	(	PUNCT
emaj-156	89	174	initial	initial	ADJ
emaj-156	89	175	coding	coding	NOUN
emaj-156	89	176	)	)	PUNCT
emaj-156	89	177	irregular	irregular	ADJ
emaj-156	89	178	payers	payer	NOUN
emaj-156	89	179	(	(	PUNCT
emaj-156	89	180	subcategorization	subcategorization	NOUN
emaj-156	89	181	coding	coding	NOUN
emaj-156	89	182	)	)	PUNCT
emaj-156	89	183	external	external	ADJ
emaj-156	89	184	locus	locus	NOUN
emaj-156	89	185	of	of	ADP
emaj-156	89	186	control	control	NOUN
emaj-156	89	187	(	(	PUNCT
emaj-156	89	188	5	5	NUM
emaj-156	89	189	)	)	PUNCT
emaj-156	89	190	external	external	ADJ
emaj-156	89	191	locus	locus	NOUN
emaj-156	89	192	of	of	ADP
emaj-156	89	193	control	control	NOUN
emaj-156	89	194	(	(	PUNCT
emaj-156	89	195	7	7	NUM
emaj-156	89	196	)	)	PUNCT
emaj-156	89	197	extraversion(2	extraversion(2	ADJ
emaj-156	89	198	)	)	PUNCT
emaj-156	89	199	irresponsible	irresponsible	ADJ
emaj-156	89	200	(	(	PUNCT
emaj-156	89	201	4	4	NUM
emaj-156	89	202	)	)	PUNCT
emaj-156	89	203	irresponsible	irresponsible	ADJ
emaj-156	89	204	(	(	PUNCT
emaj-156	89	205	6	6	NUM
emaj-156	89	206	)	)	PUNCT
emaj-156	89	207	dreamer	dreamer	NOUN
emaj-156	89	208	(	(	PUNCT
emaj-156	89	209	2	2	NUM
emaj-156	89	210	)	)	PUNCT
emaj-156	89	211	emotional	emotional	ADJ
emaj-156	89	212	imbalance	imbalance	NOUN
emaj-156	89	213	emotional	emotional	ADJ
emaj-156	89	214	imbalance	imbalance	NOUN
emaj-156	89	215	(	(	PUNCT
emaj-156	89	216	2	2	NUM
emaj-156	89	217	)	)	PUNCT
emaj-156	89	218	inconsistent	inconsistent	ADJ
emaj-156	89	219	short	short	ADJ
emaj-156	89	220	term	term	NOUN
emaj-156	89	221	orientation	orientation	NOUN
emaj-156	89	222	(	(	PUNCT
emaj-156	89	223	2	2	X
emaj-156	89	224	)	)	PUNCT
emaj-156	89	225	short	short	ADJ
emaj-156	89	226	term	term	NOUN
emaj-156	89	227	orientation	orientation	NOUN
emaj-156	89	228	(	(	PUNCT
emaj-156	89	229	4	4	X
emaj-156	89	230	)	)	PUNCT
emaj-156	89	231	rambling	rambling	ADJ
emaj-156	89	232	(	(	PUNCT
emaj-156	89	233	2	2	NUM
emaj-156	89	234	)	)	PUNCT
emaj-156	89	235	irrational	irrational	ADJ
emaj-156	89	236	decision	decision	NOUN
emaj-156	89	237	making	making	NOUN
emaj-156	89	238	(	(	PUNCT
emaj-156	89	239	2	2	NUM
emaj-156	89	240	)	)	PUNCT
emaj-156	89	241	irrational	irrational	ADJ
emaj-156	89	242	decision	decision	NOUN
emaj-156	89	243	making	make	VERB
emaj-156	89	244	risk	risk	NOUN
emaj-156	89	245	oriented	orient	VERB
emaj-156	89	246	(	(	PUNCT
emaj-156	89	247	1	1	NUM
emaj-156	89	248	)	)	PUNCT
emaj-156	89	249	risk	risk	NOUN
emaj-156	89	250	oriented	orient	VERB
emaj-156	89	251	tolerant	tolerant	ADJ
emaj-156	89	252	to	to	ADP
emaj-156	89	253	stress	stress	NOUN
emaj-156	89	254	(	(	PUNCT
emaj-156	89	255	1	1	X
emaj-156	89	256	)	)	PUNCT
emaj-156	89	257	tolerant	tolerant	ADJ
emaj-156	89	258	to	to	PART
emaj-156	89	259	stress	stress	VERB
emaj-156	89	260	low	low	ADJ
emaj-156	89	261	self	self	NOUN
emaj-156	89	262	-	-	PUNCT
emaj-156	89	263	esteem	esteem	NOUN
emaj-156	89	264	(	(	PUNCT
emaj-156	89	265	1	1	NUM
emaj-156	89	266	)	)	PUNCT
emaj-156	89	267	low	low	ADJ
emaj-156	89	268	self	self	NOUN
emaj-156	89	269	-	-	PUNCT
emaj-156	89	270	esteem	esteem	NOUN
emaj-156	89	271	financial	financial	ADJ
emaj-156	89	272	literacy	literacy	NOUN
emaj-156	89	273	(	(	PUNCT
emaj-156	89	274	1	1	X
emaj-156	89	275	)	)	PUNCT
emaj-156	89	276	financial	financial	ADJ
emaj-156	89	277	literacy	literacy	NOUN
emaj-156	89	278	compulsive	compulsive	ADJ
emaj-156	89	279	buying	buying	NOUN
emaj-156	89	280	(	(	PUNCT
emaj-156	89	281	1	1	NUM
emaj-156	89	282	)	)	PUNCT
emaj-156	89	283	compulsive	compulsive	ADJ
emaj-156	89	284	buying	buying	NOUN
emaj-156	89	285	addiction	addiction	NOUN
emaj-156	89	286	(	(	PUNCT
emaj-156	89	287	e.g.	e.g.	ADV
emaj-156	89	288	alcohol	alcohol	NOUN
emaj-156	89	289	)	)	PUNCT
emaj-156	89	290	,	,	PUNCT
emaj-156	89	291	(	(	PUNCT
emaj-156	89	292	1	1	X
emaj-156	89	293	)	)	PUNCT
emaj-156	89	294	addiction	addiction	NOUN
emaj-156	89	295	(	(	PUNCT
emaj-156	89	296	eg	eg	NOUN
emaj-156	89	297	.	.	PUNCT
emaj-156	89	298	alcohol	alcohol	PROPN
emaj-156	89	299	)	)	PUNCT
emaj-156	89	300	at	at	ADP
emaj-156	89	301	the	the	DET
emaj-156	89	302	last	last	ADJ
emaj-156	89	303	stage	stage	NOUN
emaj-156	89	304	,	,	PUNCT
emaj-156	89	305	subcategorized	subcategorize	VERB
emaj-156	89	306	codes	code	NOUN
emaj-156	89	307	,	,	PUNCT
emaj-156	89	308	namely	namely	ADV
emaj-156	89	309	main	main	ADJ
emaj-156	89	310	characteristics	characteristic	NOUN
emaj-156	89	311	of	of	ADP
emaj-156	89	312	regular	regular	ADJ
emaj-156	89	313	payers	payer	NOUN
emaj-156	89	314	and	and	CCONJ
emaj-156	89	315	irregular	irregular	ADJ
emaj-156	89	316	payers	payer	NOUN
emaj-156	89	317	,	,	PUNCT
emaj-156	89	318	were	be	AUX
emaj-156	89	319	consolidated	consolidate	VERB
emaj-156	89	320	into	into	ADP
emaj-156	89	321	other	other	ADJ
emaj-156	89	322	subcategories	subcategorie	NOUN
emaj-156	89	323	to	to	PART
emaj-156	89	324	reveal	reveal	VERB
emaj-156	89	325	themes	theme	NOUN
emaj-156	89	326	.	.	PUNCT
emaj-156	90	1	table	table	NOUN
emaj-156	90	2	4	4	NUM
emaj-156	90	3	indicates	indicate	VERB
emaj-156	90	4	those	those	DET
emaj-156	90	5	themes	theme	NOUN
emaj-156	90	6	revealed	reveal	VERB
emaj-156	90	7	after	after	ADP
emaj-156	90	8	refinement	refinement	NOUN
emaj-156	90	9	of	of	ADP
emaj-156	90	10	subcategorized	subcategorize	VERB
emaj-156	90	11	codes	code	NOUN
emaj-156	90	12	at	at	ADP
emaj-156	90	13	third	third	ADJ
emaj-156	90	14	stage	stage	NOUN
emaj-156	90	15	.	.	PUNCT
emaj-156	91	1	researchers	researcher	NOUN
emaj-156	91	2	also	also	ADV
emaj-156	91	3	benefited	benefit	VERB
emaj-156	91	4	from	from	ADP
emaj-156	91	5	literature	literature	NOUN
emaj-156	91	6	(	(	PUNCT
emaj-156	91	7	e.g.	e.g.	ADV
emaj-156	91	8	big	big	ADJ
emaj-156	91	9	five	five	NUM
emaj-156	91	10	personality	personality	NOUN
emaj-156	91	11	traits	trait	NOUN
emaj-156	91	12	,	,	PUNCT
emaj-156	91	13	mccrae	mccrae	PROPN
emaj-156	91	14	and	and	CCONJ
emaj-156	91	15	costa	costa	PROPN
emaj-156	91	16	,	,	PUNCT
emaj-156	91	17	1987	1987	NUM
emaj-156	91	18	)	)	PUNCT
emaj-156	91	19	while	while	SCONJ
emaj-156	91	20	refining	refine	VERB
emaj-156	91	21	the	the	DET
emaj-156	91	22	codes	code	NOUN
emaj-156	91	23	.	.	PUNCT
emaj-156	92	1	table	table	NOUN
emaj-156	92	2	4	4	NUM
emaj-156	92	3	.	.	PUNCT
emaj-156	93	1	themes	theme	NOUN
emaj-156	93	2	revealed	reveal	VERB
emaj-156	93	3	by	by	ADP
emaj-156	93	4	refinement	refinement	NOUN
emaj-156	93	5	of	of	ADP
emaj-156	93	6	subcategorized	subcategorize	VERB
emaj-156	93	7	codes	code	NOUN
emaj-156	93	8	4	4	NUM
emaj-156	93	9	.	.	PUNCT
emaj-156	93	10	findings	finding	NOUN
emaj-156	93	11	research	research	NOUN
emaj-156	93	12	findings	finding	NOUN
emaj-156	93	13	revealed	reveal	VERB
emaj-156	93	14	some	some	DET
emaj-156	93	15	common	common	ADJ
emaj-156	93	16	personality	personality	NOUN
emaj-156	93	17	traits	trait	NOUN
emaj-156	93	18	,	,	PUNCT
emaj-156	93	19	attitudes	attitude	NOUN
emaj-156	93	20	and	and	CCONJ
emaj-156	93	21	behaviors	behavior	NOUN
emaj-156	93	22	that	that	PRON
emaj-156	93	23	differentiate	differentiate	VERB
emaj-156	93	24	regular	regular	ADJ
emaj-156	93	25	payers	payer	NOUN
emaj-156	93	26	from	from	ADP
emaj-156	93	27	irregular	irregular	ADJ
emaj-156	93	28	ones	one	NOUN
emaj-156	93	29	.	.	PUNCT
emaj-156	94	1	according	accord	VERB
emaj-156	94	2	to	to	ADP
emaj-156	94	3	findings	finding	NOUN
emaj-156	94	4	,	,	PUNCT
emaj-156	94	5	the	the	DET
emaj-156	94	6	dominant	dominant	ADJ
emaj-156	94	7	characteristic	characteristic	NOUN
emaj-156	94	8	of	of	ADP
emaj-156	94	9	regular	regular	ADJ
emaj-156	94	10	payers	payer	NOUN
emaj-156	94	11	is	be	AUX
emaj-156	94	12	“	"	PUNCT
emaj-156	94	13	responsibility	responsibility	NOUN
emaj-156	94	14	”	"	PUNCT
emaj-156	94	15	.	.	PUNCT
emaj-156	95	1	responsibility	responsibility	NOUN
emaj-156	95	2	is	be	AUX
emaj-156	95	3	coded	code	VERB
emaj-156	95	4	23	23	NUM
emaj-156	95	5	times	time	NOUN
emaj-156	95	6	to	to	PART
emaj-156	95	7	describe	describe	VERB
emaj-156	95	8	regular	regular	ADJ
emaj-156	95	9	payers	payer	NOUN
emaj-156	95	10	.	.	PUNCT
emaj-156	96	1	for	for	ADP
emaj-156	96	2	example	example	NOUN
emaj-156	96	3	,	,	PUNCT
emaj-156	96	4	p6	p6	PROPN
emaj-156	96	5	,	,	PUNCT
emaj-156	96	6	a	a	DET
emaj-156	96	7	regular	regular	ADJ
emaj-156	96	8	payer	payer	NOUN
emaj-156	96	9	,	,	PUNCT
emaj-156	96	10	describes	describe	VERB
emaj-156	96	11	his	his	PRON
emaj-156	96	12	responsible	responsible	ADJ
emaj-156	96	13	characteristic	characteristic	NOUN
emaj-156	96	14	with	with	ADP
emaj-156	96	15	a	a	DET
emaj-156	96	16	statement	statement	NOUN
emaj-156	96	17	of	of	ADP
emaj-156	96	18	“	"	PUNCT
emaj-156	96	19	when	when	SCONJ
emaj-156	96	20	i	i	PRON
emaj-156	96	21	have	have	VERB
emaj-156	96	22	a	a	DET
emaj-156	96	23	debt	debt	NOUN
emaj-156	96	24	,	,	PUNCT
emaj-156	96	25	i	i	PRON
emaj-156	96	26	ca	can	AUX
emaj-156	96	27	n’t	not	PART
emaj-156	96	28	sleep	sleep	VERB
emaj-156	96	29	.	.	PUNCT
emaj-156	97	1	i	i	PRON
emaj-156	97	2	feel	feel	VERB
emaj-156	97	3	a	a	DET
emaj-156	97	4	hump	hump	NOUN
emaj-156	97	5	on	on	ADP
emaj-156	97	6	my	my	PRON
emaj-156	97	7	back	back	NOUN
emaj-156	97	8	”	"	PUNCT
emaj-156	97	9	,	,	PUNCT
emaj-156	97	10	while	while	SCONJ
emaj-156	97	11	another	another	DET
emaj-156	97	12	regular	regular	ADJ
emaj-156	97	13	payer	payer	NOUN
emaj-156	97	14	p9	p9	PROPN
emaj-156	97	15	,	,	PUNCT
emaj-156	97	16	indicates	indicate	VERB
emaj-156	97	17	that	that	SCONJ
emaj-156	97	18	“	"	PUNCT
emaj-156	97	19	if	if	SCONJ
emaj-156	97	20	i	i	PRON
emaj-156	97	21	promise	promise	VERB
emaj-156	97	22	to	to	PART
emaj-156	97	23	pay	pay	VERB
emaj-156	97	24	debt	debt	NOUN
emaj-156	97	25	,	,	PUNCT
emaj-156	97	26	i	i	PRON
emaj-156	97	27	pay	pay	VERB
emaj-156	97	28	it	it	PRON
emaj-156	97	29	on	on	ADP
emaj-156	97	30	time	time	NOUN
emaj-156	97	31	.	.	PUNCT
emaj-156	98	1	if	if	SCONJ
emaj-156	98	2	i	i	PRON
emaj-156	98	3	am	be	AUX
emaj-156	98	4	not	not	PART
emaj-156	98	5	able	able	ADJ
emaj-156	98	6	to	to	PART
emaj-156	98	7	pay	pay	VERB
emaj-156	98	8	it	it	PRON
emaj-156	98	9	on	on	ADP
emaj-156	98	10	time	time	NOUN
emaj-156	98	11	,	,	PUNCT
emaj-156	98	12	i	i	PRON
emaj-156	98	13	usually	usually	ADV
emaj-156	98	14	call	call	VERB
emaj-156	98	15	him	he	PRON
emaj-156	98	16	and	and	CCONJ
emaj-156	98	17	talk	talk	VERB
emaj-156	98	18	to	to	ADP
emaj-156	98	19	him	he	PRON
emaj-156	98	20	to	to	PART
emaj-156	98	21	notify	notify	VERB
emaj-156	98	22	him	he	PRON
emaj-156	98	23	about	about	ADP
emaj-156	98	24	not	not	PART
emaj-156	98	25	paying	pay	VERB
emaj-156	98	26	on	on	ADP
emaj-156	98	27	time	time	NOUN
emaj-156	98	28	……	……	NOUN
emaj-156	98	29	.	.	PUNCT
emaj-156	99	1	i	i	PRON
emaj-156	99	2	do	do	AUX
emaj-156	99	3	n’t	not	PART
emaj-156	99	4	buy	buy	VERB
emaj-156	99	5	a	a	DET
emaj-156	99	6	new	new	ADJ
emaj-156	99	7	thing	thing	NOUN
emaj-156	99	8	if	if	SCONJ
emaj-156	99	9	i	i	PRON
emaj-156	99	10	did	do	AUX
emaj-156	99	11	not	not	PART
emaj-156	99	12	pay	pay	VERB
emaj-156	99	13	my	my	PRON
emaj-156	99	14	previous	previous	ADJ
emaj-156	99	15	debt	debt	NOUN
emaj-156	99	16	.	.	PUNCT
emaj-156	99	17	”	"	PUNCT
emaj-156	100	1	p2	p2	PROPN
emaj-156	100	2	also	also	ADV
emaj-156	100	3	describes	describe	VERB
emaj-156	100	4	himself	himself	PRON
emaj-156	100	5	as	as	ADP
emaj-156	100	6	regular	regular	ADJ
emaj-156	100	7	payer	payer	NOUN
emaj-156	100	8	and	and	CCONJ
emaj-156	100	9	responds	respond	VERB
emaj-156	100	10	the	the	DET
emaj-156	100	11	question	question	NOUN
emaj-156	100	12	of	of	ADP
emaj-156	100	13	“	"	PUNCT
emaj-156	100	14	why	why	SCONJ
emaj-156	100	15	do	do	AUX
emaj-156	100	16	you	you	PRON
emaj-156	100	17	pay	pay	VERB
emaj-156	100	18	your	your	PRON
emaj-156	100	19	debts	debt	NOUN
emaj-156	100	20	regularly	regularly	ADV
emaj-156	100	21	?	?	PUNCT
emaj-156	100	22	”	"	PUNCT
emaj-156	100	23	by	by	ADP
emaj-156	100	24	saying	say	VERB
emaj-156	100	25	that	that	SCONJ
emaj-156	100	26	“	"	PUNCT
emaj-156	100	27	because	because	SCONJ
emaj-156	100	28	i	i	PRON
emaj-156	100	29	am	be	AUX
emaj-156	100	30	liable	liable	ADJ
emaj-156	100	31	to	to	PART
emaj-156	100	32	pay	pay	VERB
emaj-156	100	33	it	it	PRON
emaj-156	100	34	…	…	PUNCT
emaj-156	100	35	.	.	PUNCT
emaj-156	101	1	if	if	SCONJ
emaj-156	101	2	you	you	PRON
emaj-156	101	3	borrow	borrow	VERB
emaj-156	101	4	anything	anything	PRON
emaj-156	101	5	else	else	ADV
emaj-156	101	6	and	and	CCONJ
emaj-156	101	7	promise	promise	VERB
emaj-156	101	8	to	to	PART
emaj-156	101	9	give	give	VERB
emaj-156	101	10	back	back	ADP
emaj-156	101	11	it	it	PRON
emaj-156	101	12	on	on	ADP
emaj-156	101	13	a	a	DET
emaj-156	101	14	stated	state	VERB
emaj-156	101	15	date	date	NOUN
emaj-156	101	16	,	,	PUNCT
emaj-156	101	17	you	you	PRON
emaj-156	101	18	have	have	VERB
emaj-156	101	19	to	to	PART
emaj-156	101	20	give	give	VERB
emaj-156	101	21	back	back	ADP
emaj-156	101	22	it	it	PRON
emaj-156	101	23	on	on	ADP
emaj-156	101	24	indicated	indicate	VERB
emaj-156	101	25	time	time	NOUN
emaj-156	101	26	.	.	PUNCT
emaj-156	102	1	this	this	PRON
emaj-156	102	2	is	be	AUX
emaj-156	102	3	liability….an	liability….an	PRON
emaj-156	102	4	internal	internal	ADJ
emaj-156	102	5	thing	thing	NOUN
emaj-156	102	6	indeed	indeed	ADV
emaj-156	102	7	”	"	PUNCT
emaj-156	102	8	.	.	PUNCT
emaj-156	103	1	“	"	PUNCT
emaj-156	103	2	rational	rational	ADJ
emaj-156	103	3	decision	decision	NOUN
emaj-156	103	4	making	making	NOUN
emaj-156	103	5	”	"	PUNCT
emaj-156	103	6	is	be	AUX
emaj-156	103	7	another	another	DET
emaj-156	103	8	prominent	prominent	ADJ
emaj-156	103	9	characteristics	characteristic	NOUN
emaj-156	103	10	of	of	ADP
emaj-156	103	11	regular	regular	ADJ
emaj-156	103	12	payers	payer	NOUN
emaj-156	103	13	,	,	PUNCT
emaj-156	103	14	which	which	PRON
emaj-156	103	15	is	be	AUX
emaj-156	103	16	coded	code	VERB
emaj-156	103	17	5	5	NUM
emaj-156	103	18	times	time	NOUN
emaj-156	103	19	,	,	PUNCT
emaj-156	103	20	while	while	SCONJ
emaj-156	103	21	“	"	PUNCT
emaj-156	103	22	irrational	irrational	ADJ
emaj-156	103	23	decision	decision	NOUN
emaj-156	103	24	making	making	NOUN
emaj-156	103	25	”	"	PUNCT
emaj-156	103	26	is	be	AUX
emaj-156	103	27	revealed	reveal	VERB
emaj-156	103	28	as	as	ADP
emaj-156	103	29	characteristic	characteristic	ADJ
emaj-156	103	30	of	of	ADP
emaj-156	103	31	irregular	irregular	ADJ
emaj-156	103	32	payer	payer	NOUN
emaj-156	103	33	,	,	PUNCT
emaj-156	103	34	which	which	PRON
emaj-156	103	35	is	be	AUX
emaj-156	103	36	coded	code	VERB
emaj-156	103	37	2	2	NUM
emaj-156	103	38	times	time	NOUN
emaj-156	103	39	.	.	PUNCT
emaj-156	104	1	bank	bank	NOUN
emaj-156	104	2	staff	staff	NOUN
emaj-156	104	3	p1	p1	NOUN
emaj-156	104	4	tells	tell	VERB
emaj-156	104	5	how	how	SCONJ
emaj-156	104	6	they	they	PRON
emaj-156	104	7	identify	identify	VERB
emaj-156	104	8	regular	regular	ADJ
emaj-156	104	9	payers	payer	NOUN
emaj-156	104	10	by	by	ADP
emaj-156	104	11	words	word	NOUN
emaj-156	104	12	of	of	ADP
emaj-156	104	13	“	"	PUNCT
emaj-156	104	14	those	those	DET
emaj-156	104	15	people	people	NOUN
emaj-156	104	16	had	have	AUX
emaj-156	104	17	searched	search	VERB
emaj-156	104	18	interest	interest	NOUN
emaj-156	104	19	rates	rate	NOUN
emaj-156	104	20	,	,	PUNCT
emaj-156	104	21	insurance	insurance	NOUN
emaj-156	104	22	cost	cost	NOUN
emaj-156	104	23	and	and	CCONJ
emaj-156	104	24	other	other	ADJ
emaj-156	104	25	costs	cost	NOUN
emaj-156	104	26	on	on	ADP
emaj-156	104	27	internet	internet	NOUN
emaj-156	104	28	before	before	ADP
emaj-156	104	29	coming	come	VERB
emaj-156	104	30	to	to	ADP
emaj-156	104	31	bank	bank	NOUN
emaj-156	104	32	…	…	PUNCT
emaj-156	104	33	.	.	PUNCT
emaj-156	105	1	so	so	ADV
emaj-156	105	2	they	they	PRON
emaj-156	105	3	evaluate	evaluate	VERB
emaj-156	105	4	how	how	SCONJ
emaj-156	105	5	they	they	PRON
emaj-156	105	6	would	would	AUX
emaj-156	105	7	pay	pay	VERB
emaj-156	105	8	debt	debt	NOUN
emaj-156	105	9	regularly	regularly	ADV
emaj-156	105	10	…	…	PUNCT
emaj-156	105	11	.	.	PUNCT
emaj-156	106	1	on	on	ADP
emaj-156	106	2	the	the	DET
emaj-156	106	3	other	other	ADJ
emaj-156	106	4	hand	hand	NOUN
emaj-156	106	5	irregular	irregular	ADJ
emaj-156	106	6	payers	payer	NOUN
emaj-156	106	7	does	do	AUX
emaj-156	106	8	not	not	PART
emaj-156	106	9	care	care	VERB
emaj-156	106	10	about	about	ADP
emaj-156	106	11	interest	interest	NOUN
emaj-156	106	12	rate	rate	NOUN
emaj-156	106	13	,	,	PUNCT
emaj-156	106	14	costs	cost	NOUN
emaj-156	106	15	or	or	CCONJ
emaj-156	106	16	other	other	ADJ
emaj-156	106	17	details	detail	NOUN
emaj-156	106	18	,	,	PUNCT
emaj-156	106	19	they	they	PRON
emaj-156	106	20	just	just	ADV
emaj-156	106	21	interest	interest	VERB
emaj-156	106	22	in	in	ADP
emaj-156	106	23	whether	whether	SCONJ
emaj-156	106	24	they	they	PRON
emaj-156	106	25	receive	receive	VERB
emaj-156	106	26	credit	credit	NOUN
emaj-156	106	27	or	or	CCONJ
emaj-156	106	28	not	not	PART
emaj-156	106	29	…	…	PUNCT
emaj-156	106	30	.	.	PUNCT
emaj-156	107	1	focus	focus	VERB
emaj-156	107	2	on	on	ADP
emaj-156	107	3	receiving	receive	VERB
emaj-156	107	4	credit	credit	NOUN
emaj-156	107	5	…	…	PUNCT
emaj-156	107	6	”	"	PUNCT
emaj-156	107	7	.	.	PUNCT
emaj-156	108	1	p10	p10	PROPN
emaj-156	108	2	,	,	PUNCT
emaj-156	108	3	bank	bank	NOUN
emaj-156	108	4	staff	staff	NOUN
emaj-156	108	5	describes	describe	VERB
emaj-156	108	6	the	the	DET
emaj-156	108	7	characteristics	characteristic	NOUN
emaj-156	108	8	and	and	CCONJ
emaj-156	108	9	behaviors	behavior	NOUN
emaj-156	108	10	of	of	ADP
emaj-156	108	11	one	one	NUM
emaj-156	108	12	regular	regular	ADJ
emaj-156	108	13	payer	payer	NOUN
emaj-156	108	14	by	by	ADP
emaj-156	108	15	stating	state	VERB
emaj-156	108	16	that	that	SCONJ
emaj-156	108	17	“	"	PUNCT
emaj-156	108	18	…	…	PUNCT
emaj-156	108	19	.he	.he	PUNCT
emaj-156	108	20	considers	consider	VERB
emaj-156	108	21	all	all	DET
emaj-156	108	22	alternatives	alternative	NOUN
emaj-156	108	23	in	in	ADP
emaj-156	108	24	case	case	NOUN
emaj-156	108	25	of	of	ADP
emaj-156	108	26	repayment	repayment	NOUN
emaj-156	108	27	default	default	NOUN
emaj-156	108	28	,	,	PUNCT
emaj-156	108	29	and	and	CCONJ
emaj-156	108	30	express	express	VERB
emaj-156	108	31	those	those	DET
emaj-156	108	32	possibilities	possibility	NOUN
emaj-156	108	33	frankly….he	frankly….he	ADJ
emaj-156	108	34	is	be	AUX
emaj-156	108	35	realist	realist	ADJ
emaj-156	108	36	”	"	PUNCT
emaj-156	108	37	.	.	PUNCT
emaj-156	109	1	volume	volume	NOUN
emaj-156	109	2	8	8	NUM
emaj-156	109	3	no	no	DET
emaj-156	109	4	2	2	NUM
emaj-156	109	5	(	(	PUNCT
emaj-156	109	6	2018	2018	NUM
emaj-156	109	7	)	)	PUNCT
emaj-156	109	8	|	|	ADV
emaj-156	109	9	issn	issn	VERB
emaj-156	109	10	2158	2158	NUM
emaj-156	109	11	-	-	SYM
emaj-156	109	12	8708	8708	NUM
emaj-156	109	13	(	(	PUNCT
emaj-156	109	14	online	online	NOUN
emaj-156	109	15	)	)	PUNCT
emaj-156	109	16	|	|	ADV
emaj-156	109	17	doi	doi	X
emaj-156	109	18	10.5195	10.5195	NUM
emaj-156	109	19	/	/	SYM
emaj-156	109	20	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	109	21	|	|	ADV
emaj-156	109	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	109	23	a	a	DET
emaj-156	109	24	field	field	NOUN
emaj-156	109	25	research	research	NOUN
emaj-156	109	26	to	to	PART
emaj-156	109	27	identify	identify	VERB
emaj-156	109	28	psychological	psychological	ADJ
emaj-156	109	29	factors	factor	NOUN
emaj-156	109	30	influencing	influence	VERB
emaj-156	109	31	the	the	DET
emaj-156	109	32	debt	debt	NOUN
emaj-156	109	33	repayment	repayment	NOUN
emaj-156	109	34	behavior	behavior	NOUN
emaj-156	109	35	in	in	ADP
emaj-156	109	36	turkey	turkey	NOUN
emaj-156	109	37	page	page	NOUN
emaj-156	109	38	|30|	|30|	VERB
emaj-156	109	39	emerging	emerge	VERB
emaj-156	109	40	markets	market	NOUN
emaj-156	109	41	journal	journal	PROPN
emaj-156	109	42	findings	finding	NOUN
emaj-156	109	43	of	of	ADP
emaj-156	109	44	interview	interview	NOUN
emaj-156	109	45	research	research	NOUN
emaj-156	109	46	also	also	ADV
emaj-156	109	47	displayed	display	VERB
emaj-156	109	48	that	that	SCONJ
emaj-156	109	49	regular	regular	ADJ
emaj-156	109	50	payers	payer	NOUN
emaj-156	109	51	commonly	commonly	ADV
emaj-156	109	52	have	have	VERB
emaj-156	109	53	“	"	PUNCT
emaj-156	109	54	sense	sense	NOUN
emaj-156	109	55	of	of	ADP
emaj-156	109	56	collectivism	collectivism	NOUN
emaj-156	109	57	”	"	PUNCT
emaj-156	109	58	and	and	CCONJ
emaj-156	109	59	“	"	PUNCT
emaj-156	109	60	sanction	sanction	NOUN
emaj-156	109	61	fear	fear	NOUN
emaj-156	109	62	”	"	PUNCT
emaj-156	109	63	,	,	PUNCT
emaj-156	109	64	especially	especially	ADV
emaj-156	109	65	social	social	ADJ
emaj-156	109	66	sanction	sanction	NOUN
emaj-156	109	67	fear	fear	NOUN
emaj-156	109	68	.	.	PUNCT
emaj-156	110	1	sense	sense	NOUN
emaj-156	110	2	of	of	ADP
emaj-156	110	3	collectivism	collectivism	NOUN
emaj-156	110	4	is	be	AUX
emaj-156	110	5	coded	code	VERB
emaj-156	110	6	5	5	NUM
emaj-156	110	7	times	time	NOUN
emaj-156	110	8	while	while	SCONJ
emaj-156	110	9	sanction	sanction	NOUN
emaj-156	110	10	fear	fear	NOUN
emaj-156	110	11	is	be	AUX
emaj-156	110	12	coded	code	VERB
emaj-156	110	13	4	4	NUM
emaj-156	110	14	times	time	NOUN
emaj-156	110	15	to	to	PART
emaj-156	110	16	describe	describe	VERB
emaj-156	110	17	the	the	DET
emaj-156	110	18	regular	regular	ADJ
emaj-156	110	19	payers	payer	NOUN
emaj-156	110	20	.	.	PUNCT
emaj-156	111	1	for	for	ADP
emaj-156	111	2	instance	instance	NOUN
emaj-156	111	3	,	,	PUNCT
emaj-156	111	4	p2	p2	PROPN
emaj-156	111	5	indicated	indicate	VERB
emaj-156	111	6	that	that	SCONJ
emaj-156	111	7	if	if	SCONJ
emaj-156	111	8	a	a	DET
emaj-156	111	9	relative	relative	NOUN
emaj-156	111	10	of	of	ADP
emaj-156	111	11	debtor	debtor	NOUN
emaj-156	111	12	stands	stand	VERB
emaj-156	111	13	security	security	NOUN
emaj-156	111	14	for	for	ADP
emaj-156	111	15	debt	debt	NOUN
emaj-156	111	16	,	,	PUNCT
emaj-156	111	17	repayment	repayment	NOUN
emaj-156	111	18	possibility	possibility	NOUN
emaj-156	111	19	increase	increase	NOUN
emaj-156	111	20	because	because	SCONJ
emaj-156	111	21	debtor	debtor	NOUN
emaj-156	111	22	does	do	AUX
emaj-156	111	23	n’t	not	PART
emaj-156	111	24	want	want	VERB
emaj-156	111	25	to	to	PART
emaj-156	111	26	put	put	VERB
emaj-156	111	27	relatives	relative	NOUN
emaj-156	111	28	out	out	ADP
emaj-156	111	29	and	and	CCONJ
emaj-156	111	30	not	not	PART
emaj-156	111	31	to	to	PART
emaj-156	111	32	experience	experience	VERB
emaj-156	111	33	loss	loss	NOUN
emaj-156	111	34	of	of	ADP
emaj-156	111	35	publicity	publicity	NOUN
emaj-156	111	36	in	in	ADP
emaj-156	111	37	his	his	PRON
emaj-156	111	38	environment	environment	NOUN
emaj-156	111	39	.	.	PUNCT
emaj-156	112	1	p10	p10	PROPN
emaj-156	112	2	,	,	PUNCT
emaj-156	112	3	bank	bank	NOUN
emaj-156	112	4	staff	staff	NOUN
emaj-156	112	5	,	,	PUNCT
emaj-156	112	6	also	also	ADV
emaj-156	112	7	emphasized	emphasize	VERB
emaj-156	112	8	the	the	DET
emaj-156	112	9	role	role	NOUN
emaj-156	112	10	of	of	ADP
emaj-156	112	11	“	"	PUNCT
emaj-156	112	12	sense	sense	NOUN
emaj-156	112	13	of	of	ADP
emaj-156	112	14	collectivism	collectivism	NOUN
emaj-156	112	15	”	"	PUNCT
emaj-156	112	16	on	on	ADP
emaj-156	112	17	regular	regular	ADJ
emaj-156	112	18	paying	pay	VERB
emaj-156	112	19	behavior	behavior	NOUN
emaj-156	112	20	with	with	ADP
emaj-156	112	21	the	the	DET
emaj-156	112	22	wording	wording	NOUN
emaj-156	112	23	that	that	SCONJ
emaj-156	112	24	“	"	PUNCT
emaj-156	112	25	married	married	ADJ
emaj-156	112	26	people	people	NOUN
emaj-156	112	27	are	be	AUX
emaj-156	112	28	more	more	ADV
emaj-156	112	29	prone	prone	ADJ
emaj-156	112	30	to	to	PART
emaj-156	112	31	pay	pay	VERB
emaj-156	112	32	regularly	regularly	ADV
emaj-156	112	33	compared	compare	VERB
emaj-156	112	34	to	to	ADP
emaj-156	112	35	single	single	ADJ
emaj-156	112	36	ones	one	NOUN
emaj-156	112	37	,	,	PUNCT
emaj-156	112	38	because	because	SCONJ
emaj-156	112	39	married	married	ADJ
emaj-156	112	40	people	people	NOUN
emaj-156	112	41	avoid	avoid	VERB
emaj-156	112	42	making	make	VERB
emaj-156	112	43	their	their	PRON
emaj-156	112	44	family	family	NOUN
emaj-156	112	45	to	to	PART
emaj-156	112	46	experience	experience	VERB
emaj-156	112	47	execution	execution	NOUN
emaj-156	112	48	of	of	ADP
emaj-156	112	49	attachment	attachment	NOUN
emaj-156	112	50	…	…	PUNCT
emaj-156	112	51	they	they	PRON
emaj-156	112	52	perceive	perceive	VERB
emaj-156	112	53	attachment	attachment	NOUN
emaj-156	112	54	as	as	ADP
emaj-156	112	55	shame	shame	NOUN
emaj-156	112	56	…	…	PUNCT
emaj-156	112	57	.	.	PUNCT
emaj-156	112	58	”	"	PUNCT
emaj-156	113	1	in	in	ADP
emaj-156	113	2	terms	term	NOUN
emaj-156	113	3	of	of	ADP
emaj-156	113	4	“	"	PUNCT
emaj-156	113	5	sanction	sanction	NOUN
emaj-156	113	6	fear	fear	NOUN
emaj-156	113	7	”	"	PUNCT
emaj-156	113	8	,	,	PUNCT
emaj-156	113	9	p5	p5	PROPN
emaj-156	113	10	indicates	indicate	VERB
emaj-156	113	11	that	that	SCONJ
emaj-156	113	12	he	he	PRON
emaj-156	113	13	pays	pay	VERB
emaj-156	113	14	debts	debt	NOUN
emaj-156	113	15	on	on	ADP
emaj-156	113	16	time	time	NOUN
emaj-156	113	17	or	or	CCONJ
emaj-156	113	18	before	before	ADP
emaj-156	113	19	due	due	ADJ
emaj-156	113	20	dates	date	NOUN
emaj-156	113	21	“	"	PUNCT
emaj-156	113	22	not	not	PART
emaj-156	113	23	to	to	PART
emaj-156	113	24	pay	pay	VERB
emaj-156	113	25	a	a	DET
emaj-156	113	26	fine	fine	ADJ
emaj-156	113	27	or	or	CCONJ
emaj-156	113	28	penal	penal	ADJ
emaj-156	113	29	interest	interest	NOUN
emaj-156	113	30	…	…	PUNCT
emaj-156	113	31	not	not	PART
emaj-156	113	32	to	to	PART
emaj-156	113	33	have	have	VERB
emaj-156	113	34	bad	bad	ADJ
emaj-156	113	35	reputation	reputation	NOUN
emaj-156	113	36	”	"	PUNCT
emaj-156	113	37	.	.	PUNCT
emaj-156	114	1	similarly	similarly	ADV
emaj-156	114	2	,	,	PUNCT
emaj-156	114	3	p8	p8	PROPN
emaj-156	114	4	stated	state	VERB
emaj-156	114	5	he	he	PRON
emaj-156	114	6	pays	pay	VERB
emaj-156	114	7	his	his	PRON
emaj-156	114	8	debts	debt	NOUN
emaj-156	114	9	on	on	ADP
emaj-156	114	10	time	time	NOUN
emaj-156	114	11	“	"	PUNCT
emaj-156	114	12	because	because	SCONJ
emaj-156	114	13	system	system	NOUN
emaj-156	114	14	imposes	impose	VERB
emaj-156	114	15	higher	high	ADJ
emaj-156	114	16	fines	fine	NOUN
emaj-156	114	17	…	…	PUNCT
emaj-156	114	18	.	.	PUNCT
emaj-156	115	1	cost	cost	NOUN
emaj-156	115	2	of	of	ADP
emaj-156	115	3	penal	penal	ADJ
emaj-156	115	4	interest	interest	NOUN
emaj-156	115	5	is	be	AUX
emaj-156	115	6	scary	scary	ADJ
emaj-156	115	7	”	"	PUNCT
emaj-156	115	8	.	.	PUNCT
emaj-156	116	1	another	another	DET
emaj-156	116	2	common	common	ADJ
emaj-156	116	3	characteristic	characteristic	NOUN
emaj-156	116	4	of	of	ADP
emaj-156	116	5	regular	regular	ADJ
emaj-156	116	6	payers	payer	NOUN
emaj-156	116	7	,	,	PUNCT
emaj-156	116	8	referring	refer	VERB
emaj-156	116	9	to	to	ADP
emaj-156	116	10	“	"	PUNCT
emaj-156	116	11	long	long	ADJ
emaj-156	116	12	term	term	NOUN
emaj-156	116	13	orientation	orientation	NOUN
emaj-156	116	14	”	"	PUNCT
emaj-156	116	15	,	,	PUNCT
emaj-156	116	16	has	have	AUX
emaj-156	116	17	also	also	ADV
emaj-156	116	18	become	become	VERB
emaj-156	116	19	evident	evident	ADJ
emaj-156	116	20	by	by	ADP
emaj-156	116	21	the	the	DET
emaj-156	116	22	findings	finding	NOUN
emaj-156	116	23	of	of	ADP
emaj-156	116	24	this	this	DET
emaj-156	116	25	research	research	NOUN
emaj-156	116	26	.	.	PUNCT
emaj-156	117	1	while	while	SCONJ
emaj-156	117	2	long	long	ADJ
emaj-156	117	3	term	term	NOUN
emaj-156	117	4	orientation	orientation	NOUN
emaj-156	117	5	is	be	AUX
emaj-156	117	6	coded	code	VERB
emaj-156	117	7	5	5	NUM
emaj-156	117	8	times	time	NOUN
emaj-156	117	9	as	as	ADP
emaj-156	117	10	attitudinal	attitudinal	ADJ
emaj-156	117	11	characteristic	characteristic	NOUN
emaj-156	117	12	of	of	ADP
emaj-156	117	13	regular	regular	ADJ
emaj-156	117	14	payers	payer	NOUN
emaj-156	117	15	;	;	PUNCT
emaj-156	117	16	“	"	PUNCT
emaj-156	117	17	short	short	ADJ
emaj-156	117	18	term	term	NOUN
emaj-156	117	19	orientation	orientation	NOUN
emaj-156	117	20	”	"	PUNCT
emaj-156	117	21	is	be	AUX
emaj-156	117	22	coded	code	VERB
emaj-156	117	23	4	4	NUM
emaj-156	117	24	times	time	NOUN
emaj-156	117	25	attitudinal	attitudinal	ADJ
emaj-156	117	26	characteristic	characteristic	NOUN
emaj-156	117	27	of	of	ADP
emaj-156	117	28	irregular	irregular	ADJ
emaj-156	117	29	payers	payer	NOUN
emaj-156	117	30	.	.	PUNCT
emaj-156	118	1	a	a	DET
emaj-156	118	2	regular	regular	ADJ
emaj-156	118	3	payer	payer	NOUN
emaj-156	118	4	respondent	respondent	NOUN
emaj-156	118	5	p2	p2	NOUN
emaj-156	118	6	displays	display	VERB
emaj-156	118	7	his	his	PRON
emaj-156	118	8	long	long	ADJ
emaj-156	118	9	term	term	NOUN
emaj-156	118	10	oriented	orient	VERB
emaj-156	118	11	characteristic	characteristic	ADJ
emaj-156	118	12	with	with	ADP
emaj-156	118	13	the	the	DET
emaj-156	118	14	wording	wording	NOUN
emaj-156	118	15	that	that	SCONJ
emaj-156	118	16	“	"	PUNCT
emaj-156	118	17	unless	unless	SCONJ
emaj-156	118	18	i	i	PRON
emaj-156	118	19	pay	pay	VERB
emaj-156	118	20	my	my	PRON
emaj-156	118	21	debt	debt	NOUN
emaj-156	118	22	regularly	regularly	ADV
emaj-156	118	23	,	,	PUNCT
emaj-156	118	24	next	next	ADJ
emaj-156	118	25	step	step	NOUN
emaj-156	118	26	is	be	AUX
emaj-156	118	27	cancellation	cancellation	NOUN
emaj-156	118	28	of	of	ADP
emaj-156	118	29	my	my	PRON
emaj-156	118	30	credit	credit	NOUN
emaj-156	118	31	cards	card	NOUN
emaj-156	118	32	which	which	PRON
emaj-156	118	33	hurts	hurt	VERB
emaj-156	118	34	my	my	PRON
emaj-156	118	35	credit	credit	NOUN
emaj-156	118	36	score	score	NOUN
emaj-156	118	37	.	.	PUNCT
emaj-156	119	1	i	i	PRON
emaj-156	119	2	can	can	AUX
emaj-156	119	3	lose	lose	VERB
emaj-156	119	4	my	my	PRON
emaj-156	119	5	credibility	credibility	NOUN
emaj-156	119	6	,	,	PUNCT
emaj-156	119	7	which	which	PRON
emaj-156	119	8	makes	make	VERB
emaj-156	119	9	my	my	PRON
emaj-156	119	10	life	life	NOUN
emaj-156	119	11	horrible	horrible	ADJ
emaj-156	119	12	in	in	ADP
emaj-156	119	13	future	future	NOUN
emaj-156	119	14	.	.	PUNCT
emaj-156	120	1	i	i	PRON
emaj-156	120	2	do	do	AUX
emaj-156	120	3	n’t	not	PART
emaj-156	120	4	want	want	VERB
emaj-156	120	5	to	to	PART
emaj-156	120	6	live	live	VERB
emaj-156	120	7	such	such	DET
emaj-156	120	8	a	a	DET
emaj-156	120	9	life	life	NOUN
emaj-156	120	10	,	,	PUNCT
emaj-156	120	11	thus	thus	ADV
emaj-156	120	12	i	i	PRON
emaj-156	120	13	pay	pay	VERB
emaj-156	120	14	my	my	PRON
emaj-156	120	15	debts	debt	NOUN
emaj-156	120	16	regularly	regularly	ADV
emaj-156	120	17	”	"	PUNCT
emaj-156	120	18	.	.	PUNCT
emaj-156	121	1	p3	p3	PROPN
emaj-156	121	2	also	also	ADV
emaj-156	121	3	indicated	indicate	VERB
emaj-156	121	4	that	that	SCONJ
emaj-156	121	5	she	she	PRON
emaj-156	121	6	pays	pay	VERB
emaj-156	121	7	regularly	regularly	ADV
emaj-156	121	8	because	because	SCONJ
emaj-156	121	9	she	she	PRON
emaj-156	121	10	does	do	AUX
emaj-156	121	11	n’t	not	PART
emaj-156	121	12	want	want	VERB
emaj-156	121	13	her	her	PRON
emaj-156	121	14	debts	debt	NOUN
emaj-156	121	15	to	to	PART
emaj-156	121	16	increase	increase	VERB
emaj-156	121	17	exponentially	exponentially	ADV
emaj-156	121	18	and	and	CCONJ
emaj-156	121	19	to	to	PART
emaj-156	121	20	become	become	VERB
emaj-156	121	21	unpayable	unpayable	ADJ
emaj-156	121	22	in	in	ADP
emaj-156	121	23	future	future	NOUN
emaj-156	121	24	.	.	PUNCT
emaj-156	122	1	on	on	ADP
emaj-156	122	2	the	the	DET
emaj-156	122	3	other	other	ADJ
emaj-156	122	4	hand	hand	NOUN
emaj-156	122	5	,	,	PUNCT
emaj-156	122	6	p9	p9	PROPN
emaj-156	122	7	describes	describe	VERB
emaj-156	122	8	a	a	DET
emaj-156	122	9	“	"	PUNCT
emaj-156	122	10	short	short	ADJ
emaj-156	122	11	term	term	NOUN
emaj-156	122	12	oriented	orient	VERB
emaj-156	122	13	”	"	PUNCT
emaj-156	122	14	relative	relative	NOUN
emaj-156	122	15	,	,	PUNCT
emaj-156	122	16	who	who	PRON
emaj-156	122	17	does	do	AUX
emaj-156	122	18	not	not	PART
emaj-156	122	19	pay	pay	VERB
emaj-156	122	20	his	his	PRON
emaj-156	122	21	debt	debt	NOUN
emaj-156	122	22	on	on	ADP
emaj-156	122	23	time	time	NOUN
emaj-156	122	24	by	by	ADP
emaj-156	122	25	stating	state	VERB
emaj-156	122	26	that	that	SCONJ
emaj-156	122	27	“	"	PUNCT
emaj-156	122	28	my	my	PRON
emaj-156	122	29	uncle	uncle	NOUN
emaj-156	122	30	focus	focus	VERB
emaj-156	122	31	on	on	ADP
emaj-156	122	32	moment	moment	NOUN
emaj-156	122	33	and	and	CCONJ
emaj-156	122	34	saving	save	VERB
emaj-156	122	35	the	the	DET
emaj-156	122	36	day	day	NOUN
emaj-156	122	37	,	,	PUNCT
emaj-156	122	38	does	do	AUX
emaj-156	122	39	not	not	PART
emaj-156	122	40	think	think	VERB
emaj-156	122	41	what	what	PRON
emaj-156	122	42	will	will	AUX
emaj-156	122	43	happen	happen	VERB
emaj-156	122	44	tomorrow	tomorrow	NOUN
emaj-156	122	45	”	"	PUNCT
emaj-156	122	46	.	.	PUNCT
emaj-156	123	1	the	the	DET
emaj-156	123	2	main	main	ADJ
emaj-156	123	3	characteristics	characteristic	NOUN
emaj-156	123	4	of	of	ADP
emaj-156	123	5	irregular	irregular	ADJ
emaj-156	123	6	payers	payer	NOUN
emaj-156	123	7	have	have	AUX
emaj-156	123	8	been	be	AUX
emaj-156	123	9	founded	found	VERB
emaj-156	123	10	as	as	ADP
emaj-156	123	11	“	"	PUNCT
emaj-156	123	12	external	external	ADJ
emaj-156	123	13	locus	locus	NOUN
emaj-156	123	14	of	of	ADP
emaj-156	123	15	control	control	NOUN
emaj-156	123	16	”	"	PUNCT
emaj-156	123	17	and	and	CCONJ
emaj-156	123	18	“	"	PUNCT
emaj-156	123	19	irresponsibility	irresponsibility	NOUN
emaj-156	123	20	”	"	PUNCT
emaj-156	123	21	in	in	ADP
emaj-156	123	22	this	this	DET
emaj-156	123	23	research	research	NOUN
emaj-156	123	24	,	,	PUNCT
emaj-156	123	25	which	which	PRON
emaj-156	123	26	are	be	AUX
emaj-156	123	27	coded	code	VERB
emaj-156	123	28	7	7	NUM
emaj-156	123	29	times	time	NOUN
emaj-156	123	30	and	and	CCONJ
emaj-156	123	31	6	6	NUM
emaj-156	123	32	times	time	NOUN
emaj-156	123	33	respectively	respectively	ADV
emaj-156	123	34	.	.	PUNCT
emaj-156	124	1	on	on	ADP
emaj-156	124	2	the	the	DET
emaj-156	124	3	other	other	ADJ
emaj-156	124	4	hand	hand	NOUN
emaj-156	124	5	“	"	PUNCT
emaj-156	124	6	internal	internal	ADJ
emaj-156	124	7	locus	locus	NOUN
emaj-156	124	8	of	of	ADP
emaj-156	124	9	control	control	NOUN
emaj-156	124	10	”	"	PUNCT
emaj-156	124	11	is	be	AUX
emaj-156	124	12	coded	code	VERB
emaj-156	124	13	1	1	NUM
emaj-156	124	14	time	time	NOUN
emaj-156	124	15	as	as	ADP
emaj-156	124	16	characteristic	characteristic	ADJ
emaj-156	124	17	of	of	ADP
emaj-156	124	18	regular	regular	ADJ
emaj-156	124	19	payers	payer	NOUN
emaj-156	124	20	.	.	PUNCT
emaj-156	125	1	p1	p1	NOUN
emaj-156	125	2	and	and	CCONJ
emaj-156	125	3	p10	p10	NOUN
emaj-156	125	4	,	,	PUNCT
emaj-156	125	5	bank	bank	NOUN
emaj-156	125	6	staffs	staff	NOUN
emaj-156	125	7	,	,	PUNCT
emaj-156	125	8	state	state	NOUN
emaj-156	125	9	that	that	SCONJ
emaj-156	125	10	irregular	irregular	ADJ
emaj-156	125	11	payers	payer	NOUN
emaj-156	125	12	usually	usually	ADV
emaj-156	125	13	blame	blame	VERB
emaj-156	125	14	external	external	ADJ
emaj-156	125	15	factors	factor	NOUN
emaj-156	125	16	or	or	CCONJ
emaj-156	125	17	conditions	condition	NOUN
emaj-156	125	18	for	for	ADP
emaj-156	125	19	their	their	PRON
emaj-156	125	20	payment	payment	NOUN
emaj-156	125	21	failure	failure	NOUN
emaj-156	125	22	.	.	PUNCT
emaj-156	126	1	p9	p9	PROPN
emaj-156	126	2	also	also	ADV
emaj-156	126	3	describe	describe	VERB
emaj-156	126	4	one	one	NUM
emaj-156	126	5	of	of	ADP
emaj-156	126	6	his	his	PRON
emaj-156	126	7	relative	relative	NOUN
emaj-156	126	8	,	,	PUNCT
emaj-156	126	9	who	who	PRON
emaj-156	126	10	do	do	AUX
emaj-156	126	11	n’t	not	PART
emaj-156	126	12	pay	pay	VERB
emaj-156	126	13	his	his	PRON
emaj-156	126	14	debt	debt	NOUN
emaj-156	126	15	,	,	PUNCT
emaj-156	126	16	with	with	ADP
emaj-156	126	17	the	the	DET
emaj-156	126	18	words	word	NOUN
emaj-156	126	19	of	of	ADP
emaj-156	126	20	“	"	PUNCT
emaj-156	126	21	…	…	PUNCT
emaj-156	126	22	he	he	PRON
emaj-156	126	23	thinks	think	VERB
emaj-156	126	24	he	he	PRON
emaj-156	126	25	is	be	AUX
emaj-156	126	26	usually	usually	ADV
emaj-156	126	27	cheated	cheat	VERB
emaj-156	126	28	and	and	CCONJ
emaj-156	126	29	abused	abuse	VERB
emaj-156	126	30	by	by	ADP
emaj-156	126	31	people	people	NOUN
emaj-156	126	32	.	.	PUNCT
emaj-156	127	1	he	he	PRON
emaj-156	127	2	does	do	AUX
emaj-156	127	3	not	not	PART
emaj-156	127	4	consider	consider	VERB
emaj-156	127	5	his	his	PRON
emaj-156	127	6	faulty	faulty	NOUN
emaj-156	127	7	in	in	ADP
emaj-156	127	8	payment	payment	NOUN
emaj-156	127	9	failure	failure	NOUN
emaj-156	127	10	…	…	PUNCT
emaj-156	127	11	he	he	PRON
emaj-156	127	12	believes	believe	VERB
emaj-156	127	13	that	that	SCONJ
emaj-156	127	14	god	god	PROPN
emaj-156	127	15	is	be	AUX
emaj-156	127	16	put	put	VERB
emaj-156	127	17	out	out	ADP
emaj-156	127	18	with	with	ADP
emaj-156	127	19	him	he	PRON
emaj-156	127	20	,	,	PUNCT
emaj-156	127	21	thus	thus	ADV
emaj-156	127	22	he	he	PRON
emaj-156	127	23	failed	fail	VERB
emaj-156	127	24	in	in	ADP
emaj-156	127	25	life	life	NOUN
emaj-156	127	26	”	"	PUNCT
emaj-156	127	27	.	.	PUNCT
emaj-156	128	1	moreover	moreover	ADV
emaj-156	128	2	,	,	PUNCT
emaj-156	128	3	the	the	DET
emaj-156	128	4	statement	statement	NOUN
emaj-156	128	5	of	of	ADP
emaj-156	128	6	“	"	PUNCT
emaj-156	128	7	irregular	irregular	ADJ
emaj-156	128	8	payers	payer	NOUN
emaj-156	128	9	always	always	ADV
emaj-156	128	10	apply	apply	VERB
emaj-156	128	11	for	for	ADP
emaj-156	128	12	credit	credit	NOUN
emaj-156	128	13	with	with	ADP
emaj-156	128	14	incomplete	incomplete	ADJ
emaj-156	128	15	document	document	NOUN
emaj-156	128	16	”	"	PUNCT
emaj-156	128	17	by	by	ADP
emaj-156	128	18	p10	p10	NOUN
emaj-156	128	19	,	,	PUNCT
emaj-156	128	20	indicates	indicate	VERB
emaj-156	128	21	another	another	DET
emaj-156	128	22	characteristic	characteristic	NOUN
emaj-156	128	23	of	of	ADP
emaj-156	128	24	irregular	irregular	ADJ
emaj-156	128	25	payers	payer	NOUN
emaj-156	128	26	,	,	PUNCT
emaj-156	128	27	the	the	DET
emaj-156	128	28	irresponsible	irresponsible	ADJ
emaj-156	128	29	behavior	behavior	NOUN
emaj-156	128	30	of	of	ADP
emaj-156	128	31	irregular	irregular	ADJ
emaj-156	128	32	payers	payer	NOUN
emaj-156	128	33	.	.	PUNCT
emaj-156	129	1	the	the	DET
emaj-156	129	2	concepts	concept	NOUN
emaj-156	129	3	represents	represent	VERB
emaj-156	129	4	opposite	opposite	ADJ
emaj-156	129	5	tendencies	tendency	NOUN
emaj-156	129	6	(	(	PUNCT
emaj-156	129	7	e.g.	e.g.	ADV
emaj-156	129	8	responsibility	responsibility	NOUN
emaj-156	129	9	versus	versus	ADP
emaj-156	129	10	irresponsibility	irresponsibility	NOUN
emaj-156	129	11	,	,	PUNCT
emaj-156	129	12	long	long	ADJ
emaj-156	129	13	term	term	NOUN
emaj-156	129	14	orientation	orientation	NOUN
emaj-156	129	15	versus	versus	ADP
emaj-156	129	16	short	short	ADJ
emaj-156	129	17	term	term	NOUN
emaj-156	129	18	orientation	orientation	NOUN
emaj-156	129	19	)	)	PUNCT
emaj-156	129	20	were	be	AUX
emaj-156	129	21	consolidated	consolidate	VERB
emaj-156	129	22	into	into	ADP
emaj-156	129	23	one	one	NUM
emaj-156	129	24	theme	theme	NOUN
emaj-156	129	25	.	.	PUNCT
emaj-156	130	1	by	by	ADP
emaj-156	130	2	benefiting	benefit	VERB
emaj-156	130	3	from	from	ADP
emaj-156	130	4	literature	literature	NOUN
emaj-156	130	5	,	,	PUNCT
emaj-156	130	6	characteristics	characteristic	NOUN
emaj-156	130	7	of	of	ADP
emaj-156	130	8	regular	regular	ADJ
emaj-156	130	9	and	and	CCONJ
emaj-156	130	10	irregular	irregular	ADJ
emaj-156	130	11	payers	payer	NOUN
emaj-156	130	12	framed	frame	VERB
emaj-156	130	13	by	by	ADP
emaj-156	130	14	findings	finding	NOUN
emaj-156	130	15	of	of	ADP
emaj-156	130	16	this	this	DET
emaj-156	130	17	survey	survey	NOUN
emaj-156	130	18	,	,	PUNCT
emaj-156	130	19	were	be	AUX
emaj-156	130	20	refined	refine	VERB
emaj-156	130	21	into	into	ADP
emaj-156	130	22	more	more	ADV
emaj-156	130	23	comprehensive	comprehensive	ADJ
emaj-156	130	24	“	"	PUNCT
emaj-156	130	25	themes	theme	NOUN
emaj-156	130	26	”	"	PUNCT
emaj-156	130	27	in	in	ADP
emaj-156	130	28	order	order	NOUN
emaj-156	130	29	to	to	PART
emaj-156	130	30	reveal	reveal	VERB
emaj-156	130	31	more	more	ADV
emaj-156	130	32	influential	influential	ADJ
emaj-156	130	33	factors	factor	NOUN
emaj-156	130	34	on	on	ADP
emaj-156	130	35	repayment	repayment	NOUN
emaj-156	130	36	behavior	behavior	NOUN
emaj-156	130	37	.	.	PUNCT
emaj-156	131	1	in	in	ADP
emaj-156	131	2	this	this	DET
emaj-156	131	3	direction	direction	NOUN
emaj-156	131	4	,	,	PUNCT
emaj-156	131	5	responsibility	responsibility	NOUN
emaj-156	131	6	and	and	CCONJ
emaj-156	131	7	irresponsibility	irresponsibility	NOUN
emaj-156	131	8	is	be	AUX
emaj-156	131	9	consolidated	consolidate	VERB
emaj-156	131	10	in	in	ADP
emaj-156	131	11	term	term	NOUN
emaj-156	131	12	of	of	ADP
emaj-156	131	13	“	"	PUNCT
emaj-156	131	14	conscientiousness	conscientiousness	NOUN
emaj-156	131	15	”	"	PUNCT
emaj-156	131	16	;	;	PUNCT
emaj-156	131	17	long	long	ADJ
emaj-156	131	18	term	term	NOUN
emaj-156	131	19	orientation	orientation	NOUN
emaj-156	131	20	and	and	CCONJ
emaj-156	131	21	short	short	ADJ
emaj-156	131	22	term	term	NOUN
emaj-156	131	23	orientation	orientation	NOUN
emaj-156	131	24	in	in	ADP
emaj-156	131	25	term	term	NOUN
emaj-156	131	26	of	of	ADP
emaj-156	131	27	“	"	PUNCT
emaj-156	131	28	time	time	NOUN
emaj-156	131	29	orientation	orientation	NOUN
emaj-156	131	30	”	"	PUNCT
emaj-156	131	31	;	;	PUNCT
emaj-156	131	32	external	external	ADJ
emaj-156	131	33	locus	locus	NOUN
emaj-156	131	34	of	of	ADP
emaj-156	131	35	control	control	NOUN
emaj-156	131	36	and	and	CCONJ
emaj-156	131	37	internal	internal	ADJ
emaj-156	131	38	locus	locus	NOUN
emaj-156	131	39	of	of	ADP
emaj-156	131	40	control	control	NOUN
emaj-156	131	41	in	in	ADP
emaj-156	131	42	term	term	NOUN
emaj-156	131	43	of	of	ADP
emaj-156	131	44	“	"	PUNCT
emaj-156	131	45	locus	locus	NOUN
emaj-156	131	46	of	of	ADP
emaj-156	131	47	control	control	NOUN
emaj-156	131	48	”	"	PUNCT
emaj-156	131	49	;	;	PUNCT
emaj-156	131	50	and	and	CCONJ
emaj-156	131	51	rational	rational	ADJ
emaj-156	131	52	decision	decision	NOUN
emaj-156	131	53	making	making	NOUN
emaj-156	131	54	and	and	CCONJ
emaj-156	131	55	irrational	irrational	ADJ
emaj-156	131	56	decision	decision	NOUN
emaj-156	131	57	making	making	NOUN
emaj-156	131	58	in	in	ADP
emaj-156	131	59	term	term	NOUN
emaj-156	131	60	of	of	ADP
emaj-156	131	61	“	"	PUNCT
emaj-156	131	62	decision	decision	NOUN
emaj-156	131	63	making	make	VERB
emaj-156	131	64	style	style	NOUN
emaj-156	131	65	”	"	PUNCT
emaj-156	131	66	.	.	PUNCT
emaj-156	132	1	consequently	consequently	ADV
emaj-156	132	2	,	,	PUNCT
emaj-156	132	3	after	after	ADP
emaj-156	132	4	refinement	refinement	NOUN
emaj-156	132	5	process	process	NOUN
emaj-156	132	6	of	of	ADP
emaj-156	132	7	subcategorized	subcategorize	VERB
emaj-156	132	8	codes	code	NOUN
emaj-156	132	9	,	,	PUNCT
emaj-156	132	10	the	the	DET
emaj-156	132	11	findings	finding	NOUN
emaj-156	132	12	of	of	ADP
emaj-156	132	13	this	this	DET
emaj-156	132	14	survey	survey	NOUN
emaj-156	132	15	revealed	reveal	VERB
emaj-156	132	16	that	that	SCONJ
emaj-156	132	17	conscientiousness	conscientiousness	NOUN
emaj-156	132	18	,	,	PUNCT
emaj-156	132	19	time	time	NOUN
emaj-156	132	20	orientation	orientation	NOUN
emaj-156	132	21	,	,	PUNCT
emaj-156	132	22	locus	locus	NOUN
emaj-156	132	23	of	of	ADP
emaj-156	132	24	control	control	NOUN
emaj-156	132	25	,	,	PUNCT
emaj-156	132	26	decision	decision	NOUN
emaj-156	132	27	making	make	VERB
emaj-156	132	28	style	style	NOUN
emaj-156	132	29	,	,	PUNCT
emaj-156	132	30	sense	sense	NOUN
emaj-156	132	31	of	of	ADP
emaj-156	132	32	collectivism	collectivism	NOUN
emaj-156	132	33	and	and	CCONJ
emaj-156	132	34	sanction	sanction	NOUN
emaj-156	132	35	fear	fear	NOUN
emaj-156	132	36	as	as	ADP
emaj-156	132	37	the	the	DET
emaj-156	132	38	most	most	ADV
emaj-156	132	39	influential	influential	ADJ
emaj-156	132	40	psychological	psychological	ADJ
emaj-156	132	41	factors	factor	NOUN
emaj-156	132	42	affecting	affect	VERB
emaj-156	132	43	debt	debt	NOUN
emaj-156	132	44	repayment	repayment	NOUN
emaj-156	132	45	behavior	behavior	NOUN
emaj-156	132	46	(	(	PUNCT
emaj-156	132	47	see	see	VERB
emaj-156	132	48	table	table	NOUN
emaj-156	132	49	4	4	NUM
emaj-156	132	50	)	)	PUNCT
emaj-156	132	51	.	.	PUNCT
emaj-156	133	1	5	5	X
emaj-156	133	2	.	.	X
emaj-156	133	3	conclusion	conclusion	NOUN
emaj-156	133	4	and	and	CCONJ
emaj-156	133	5	discussions	discussion	NOUN
emaj-156	133	6	is	be	AUX
emaj-156	133	7	personality	personality	NOUN
emaj-156	133	8	primary	primary	ADJ
emaj-156	133	9	determinant	determinant	NOUN
emaj-156	133	10	of	of	ADP
emaj-156	133	11	debt	debt	NOUN
emaj-156	133	12	repayment	repayment	NOUN
emaj-156	133	13	behavior	behavior	NOUN
emaj-156	133	14	?	?	PUNCT
emaj-156	134	1	are	be	AUX
emaj-156	134	2	the	the	DET
emaj-156	134	3	regular	regular	ADJ
emaj-156	134	4	payers	payer	NOUN
emaj-156	134	5	’	'	PUNCT
emaj-156	134	6	personality	personality	NOUN
emaj-156	134	7	characteristics	characteristic	NOUN
emaj-156	134	8	different	different	ADJ
emaj-156	134	9	from	from	ADP
emaj-156	134	10	of	of	ADP
emaj-156	134	11	irregular	irregular	ADJ
emaj-156	134	12	payers	payer	NOUN
emaj-156	134	13	’	'	PUNCT
emaj-156	134	14	personality	personality	NOUN
emaj-156	134	15	characteristics	characteristic	NOUN
emaj-156	134	16	?	?	PUNCT
emaj-156	135	1	what	what	PRON
emaj-156	135	2	are	be	AUX
emaj-156	135	3	the	the	DET
emaj-156	135	4	personality	personality	NOUN
emaj-156	135	5	characteristics	characteristic	NOUN
emaj-156	135	6	of	of	ADP
emaj-156	135	7	regular	regular	ADJ
emaj-156	135	8	payers	payer	NOUN
emaj-156	135	9	and	and	CCONJ
emaj-156	135	10	irregular	irregular	ADJ
emaj-156	135	11	payer	payer	NOUN
emaj-156	135	12	?	?	PUNCT
emaj-156	136	1	what	what	PRON
emaj-156	136	2	are	be	AUX
emaj-156	136	3	the	the	DET
emaj-156	136	4	most	most	ADV
emaj-156	136	5	influential	influential	ADJ
emaj-156	136	6	factors	factor	NOUN
emaj-156	136	7	affecting	affect	VERB
emaj-156	136	8	debt	debt	NOUN
emaj-156	136	9	repayment	repayment	NOUN
emaj-156	136	10	behavior	behavior	NOUN
emaj-156	136	11	?	?	PUNCT
emaj-156	137	1	researching	research	VERB
emaj-156	137	2	the	the	DET
emaj-156	137	3	answers	answer	NOUN
emaj-156	137	4	of	of	ADP
emaj-156	137	5	those	those	DET
emaj-156	137	6	questions	question	NOUN
emaj-156	137	7	initiated	initiate	VERB
emaj-156	137	8	this	this	DET
emaj-156	137	9	survey	survey	NOUN
emaj-156	137	10	.	.	PUNCT
emaj-156	138	1	the	the	DET
emaj-156	138	2	findings	finding	NOUN
emaj-156	138	3	of	of	ADP
emaj-156	138	4	this	this	DET
emaj-156	138	5	survey	survey	NOUN
emaj-156	138	6	responded	respond	VERB
emaj-156	138	7	the	the	DET
emaj-156	138	8	first	first	ADJ
emaj-156	138	9	question	question	NOUN
emaj-156	138	10	in	in	ADP
emaj-156	138	11	the	the	DET
emaj-156	138	12	affirmative	affirmative	ADJ
emaj-156	138	13	,	,	PUNCT
emaj-156	138	14	namely	namely	ADV
emaj-156	138	15	the	the	DET
emaj-156	138	16	findings	finding	NOUN
emaj-156	138	17	of	of	ADP
emaj-156	138	18	this	this	DET
emaj-156	138	19	survey	survey	NOUN
emaj-156	138	20	revealed	reveal	VERB
emaj-156	138	21	that	that	SCONJ
emaj-156	138	22	personality	personality	NOUN
emaj-156	138	23	is	be	AUX
emaj-156	138	24	the	the	DET
emaj-156	138	25	primary	primary	ADJ
emaj-156	138	26	determining	determine	VERB
emaj-156	138	27	factor	factor	NOUN
emaj-156	138	28	of	of	ADP
emaj-156	138	29	debt	debt	NOUN
emaj-156	138	30	repayment	repayment	NOUN
emaj-156	138	31	behavior	behavior	NOUN
emaj-156	138	32	.	.	PUNCT
emaj-156	139	1	the	the	DET
emaj-156	139	2	primary	primary	ADJ
emaj-156	139	3	finding	finding	NOUN
emaj-156	139	4	of	of	ADP
emaj-156	139	5	this	this	DET
emaj-156	139	6	qualitative	qualitative	ADJ
emaj-156	139	7	descriptive	descriptive	ADJ
emaj-156	139	8	study	study	NOUN
emaj-156	139	9	is	be	AUX
emaj-156	139	10	the	the	DET
emaj-156	139	11	presence	presence	NOUN
emaj-156	139	12	of	of	ADP
emaj-156	139	13	dissimilarity	dissimilarity	NOUN
emaj-156	139	14	between	between	ADP
emaj-156	139	15	personality	personality	NOUN
emaj-156	139	16	characteristics	characteristic	NOUN
emaj-156	139	17	of	of	ADP
emaj-156	139	18	regular	regular	ADJ
emaj-156	139	19	payers	payer	NOUN
emaj-156	139	20	and	and	CCONJ
emaj-156	139	21	irregular	irregular	ADJ
emaj-156	139	22	payers	payer	NOUN
emaj-156	139	23	.	.	PUNCT
emaj-156	140	1	findings	finding	NOUN
emaj-156	140	2	displayed	display	VERB
emaj-156	140	3	the	the	DET
emaj-156	140	4	main	main	ADJ
emaj-156	140	5	characteristics	characteristic	NOUN
emaj-156	140	6	of	of	ADP
emaj-156	140	7	regular	regular	ADJ
emaj-156	140	8	payers	payer	NOUN
emaj-156	140	9	as	as	ADP
emaj-156	140	10	responsibility	responsibility	NOUN
emaj-156	140	11	,	,	PUNCT
emaj-156	140	12	long	long	ADJ
emaj-156	140	13	term	term	NOUN
emaj-156	140	14	orientation	orientation	NOUN
emaj-156	140	15	,	,	PUNCT
emaj-156	140	16	sanction	sanction	NOUN
emaj-156	140	17	fear	fear	NOUN
emaj-156	140	18	,	,	PUNCT
emaj-156	140	19	sense	sense	NOUN
emaj-156	140	20	of	of	ADP
emaj-156	140	21	collectivism	collectivism	NOUN
emaj-156	140	22	and	and	CCONJ
emaj-156	140	23	rational	rational	ADJ
emaj-156	140	24	decision	decision	NOUN
emaj-156	140	25	volume	volume	NOUN
emaj-156	140	26	8	8	NUM
emaj-156	140	27	no	no	DET
emaj-156	140	28	2	2	NUM
emaj-156	140	29	(	(	PUNCT
emaj-156	140	30	2018	2018	NUM
emaj-156	140	31	)	)	PUNCT
emaj-156	140	32	|	|	ADV
emaj-156	140	33	issn	issn	VERB
emaj-156	140	34	2158	2158	NUM
emaj-156	140	35	-	-	SYM
emaj-156	140	36	8708	8708	NUM
emaj-156	140	37	(	(	PUNCT
emaj-156	140	38	online	online	NOUN
emaj-156	140	39	)	)	PUNCT
emaj-156	140	40	|	|	ADV
emaj-156	140	41	doi	doi	X
emaj-156	140	42	10.5195	10.5195	NUM
emaj-156	140	43	/	/	SYM
emaj-156	140	44	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	140	45	|	|	ADV
emaj-156	140	46	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	140	47	mehtap	mehtap	ADJ
emaj-156	140	48	özşahin	özşahin	NOUN
emaj-156	140	49	,	,	PUNCT
emaj-156	140	50	senay	senay	NOUN
emaj-156	140	51	yürür	yürür	NOUN
emaj-156	140	52	,	,	PUNCT
emaj-156	140	53	erman	erman	PROPN
emaj-156	140	54	coşkun	coşkun	PROPN
emaj-156	140	55	emerging	emerge	VERB
emaj-156	140	56	markets	market	NOUN
emaj-156	140	57	journal	journal	NOUN
emaj-156	141	1	|	|	ADV
emaj-156	141	2	p	p	NOUN
emaj-156	141	3	a	a	DET
emaj-156	141	4	g	g	NOUN
emaj-156	141	5	e	e	X
emaj-156	141	6	|31	|31	X
emaj-156	141	7	making	make	VERB
emaj-156	141	8	while	while	SCONJ
emaj-156	141	9	external	external	ADJ
emaj-156	141	10	locus	locus	NOUN
emaj-156	141	11	of	of	ADP
emaj-156	141	12	control	control	NOUN
emaj-156	141	13	,	,	PUNCT
emaj-156	141	14	irresponsibility	irresponsibility	NOUN
emaj-156	141	15	,	,	PUNCT
emaj-156	141	16	short	short	ADJ
emaj-156	141	17	term	term	NOUN
emaj-156	141	18	orientation	orientation	NOUN
emaj-156	141	19	,	,	PUNCT
emaj-156	141	20	irrational	irrational	ADJ
emaj-156	141	21	decision	decision	NOUN
emaj-156	141	22	making	making	NOUN
emaj-156	141	23	as	as	ADP
emaj-156	141	24	common	common	ADJ
emaj-156	141	25	characteristics	characteristic	NOUN
emaj-156	141	26	of	of	ADP
emaj-156	141	27	irregular	irregular	ADJ
emaj-156	141	28	payers	payer	NOUN
emaj-156	141	29	.	.	PUNCT
emaj-156	142	1	those	those	DET
emaj-156	142	2	finding	find	VERB
emaj-156	142	3	are	be	AUX
emaj-156	142	4	also	also	ADV
emaj-156	142	5	consistent	consistent	ADJ
emaj-156	142	6	with	with	ADP
emaj-156	142	7	the	the	DET
emaj-156	142	8	previous	previous	ADJ
emaj-156	142	9	surveys	survey	NOUN
emaj-156	142	10	’	'	PUNCT
emaj-156	142	11	results	result	NOUN
emaj-156	142	12	indicating	indicate	VERB
emaj-156	142	13	the	the	DET
emaj-156	142	14	effect	effect	NOUN
emaj-156	142	15	of	of	ADP
emaj-156	142	16	personality	personality	NOUN
emaj-156	142	17	trait	trait	NOUN
emaj-156	142	18	premise	premise	NOUN
emaj-156	142	19	on	on	ADP
emaj-156	142	20	behaviors	behavior	NOUN
emaj-156	142	21	of	of	ADP
emaj-156	142	22	credit	credit	NOUN
emaj-156	142	23	use	use	NOUN
emaj-156	142	24	and	and	CCONJ
emaj-156	142	25	developing	develop	VERB
emaj-156	142	26	risky	risky	ADJ
emaj-156	142	27	indebtedness	indebtedness	NOUN
emaj-156	142	28	,	,	PUNCT
emaj-156	142	29	which	which	PRON
emaj-156	142	30	result	result	VERB
emaj-156	142	31	in	in	ADP
emaj-156	142	32	the	the	DET
emaj-156	142	33	problem	problem	NOUN
emaj-156	142	34	indebtedness	indebtedness	NOUN
emaj-156	142	35	(	(	PUNCT
emaj-156	142	36	vieira	vieira	NOUN
emaj-156	142	37	,	,	PUNCT
emaj-156	142	38	rovedder	rovedder	PROPN
emaj-156	142	39	de	de	PROPN
emaj-156	142	40	oliveira	oliveira	PROPN
emaj-156	142	41	and	and	CCONJ
emaj-156	142	42	kunkel	kunkel	PROPN
emaj-156	142	43	,	,	PUNCT
emaj-156	142	44	2016	2016	NUM
emaj-156	142	45	;	;	PUNCT
emaj-156	142	46	harrison	harrison	PROPN
emaj-156	142	47	,	,	PUNCT
emaj-156	142	48	agnew	agnew	PROPN
emaj-156	142	49	and	and	CCONJ
emaj-156	142	50	serido	serido	NOUN
emaj-156	142	51	,	,	PUNCT
emaj-156	142	52	2015	2015	NUM
emaj-156	142	53	;	;	PUNCT
emaj-156	142	54	achtziger	achtziger	ADJ
emaj-156	142	55	,	,	PUNCT
emaj-156	142	56	hubert	hubert	PROPN
emaj-156	142	57	,	,	PUNCT
emaj-156	142	58	kenning	kenning	PROPN
emaj-156	142	59	,	,	PUNCT
emaj-156	142	60	raab	raab	NOUN
emaj-156	142	61	and	and	CCONJ
emaj-156	142	62	reisch	reisch	NOUN
emaj-156	142	63	,	,	PUNCT
emaj-156	142	64	2015	2015	NUM
emaj-156	142	65	;	;	PUNCT
emaj-156	142	66	stumm	stumm	PROPN
emaj-156	142	67	,	,	PUNCT
emaj-156	142	68	o’creevy	o’creevy	PROPN
emaj-156	142	69	and	and	CCONJ
emaj-156	142	70	furnham	furnham	PROPN
emaj-156	142	71	,	,	PUNCT
emaj-156	142	72	2013	2013	NUM
emaj-156	142	73	;	;	PUNCT
emaj-156	142	74	rogers	roger	NOUN
emaj-156	142	75	,	,	PUNCT
emaj-156	142	76	rogers	roger	NOUN
emaj-156	142	77	and	and	CCONJ
emaj-156	142	78	securate	securate	NOUN
emaj-156	142	79	,	,	PUNCT
emaj-156	142	80	2013	2013	NUM
emaj-156	142	81	;	;	PUNCT
emaj-156	142	82	arya	arya	NOUN
emaj-156	142	83	,	,	PUNCT
emaj-156	142	84	eckel	eckel	NOUN
emaj-156	142	85	and	and	CCONJ
emaj-156	142	86	wichman	wichman	NOUN
emaj-156	142	87	,	,	PUNCT
emaj-156	142	88	2013	2013	NUM
emaj-156	142	89	;	;	PUNCT
emaj-156	142	90	gathergood,2012	gathergood,2012	PROPN
emaj-156	142	91	;	;	PUNCT
emaj-156	142	92	wang	wang	PROPN
emaj-156	142	93	,	,	PUNCT
emaj-156	142	94	lu	lu	PROPN
emaj-156	142	95	&	&	CCONJ
emaj-156	142	96	malhotra	malhotra	PROPN
emaj-156	142	97	,	,	PUNCT
emaj-156	142	98	2011	2011	NUM
emaj-156	142	99	;	;	PUNCT
emaj-156	142	100	mewse	mewse	VERB
emaj-156	142	101	,	,	PUNCT
emaj-156	142	102	lea	lea	NOUN
emaj-156	142	103	and	and	CCONJ
emaj-156	142	104	wrapson	wrapson	NOUN
emaj-156	142	105	,	,	PUNCT
emaj-156	142	106	2010	2010	NUM
emaj-156	142	107	;	;	PUNCT
emaj-156	142	108	lusardi	lusardi	NOUN
emaj-156	142	109	and	and	CCONJ
emaj-156	142	110	tofano	tofano	NOUN
emaj-156	142	111	,	,	PUNCT
emaj-156	142	112	2009	2009	NUM
emaj-156	142	113	;	;	PUNCT
emaj-156	142	114	stone	stone	NOUN
emaj-156	142	115	and	and	CCONJ
emaj-156	142	116	maury	maury	PROPN
emaj-156	142	117	,	,	PUNCT
emaj-156	142	118	2006	2006	NUM
emaj-156	142	119	)	)	PUNCT
emaj-156	142	120	.	.	PUNCT
emaj-156	143	1	so	so	ADV
emaj-156	143	2	,	,	PUNCT
emaj-156	143	3	previous	previous	ADJ
emaj-156	143	4	studies	study	NOUN
emaj-156	143	5	have	have	AUX
emaj-156	143	6	proposed	propose	VERB
emaj-156	143	7	individual	individual	ADJ
emaj-156	143	8	’s	’s	PART
emaj-156	143	9	personality	personality	NOUN
emaj-156	143	10	trait	trait	NOUN
emaj-156	143	11	as	as	ADP
emaj-156	143	12	the	the	DET
emaj-156	143	13	main	main	ADJ
emaj-156	143	14	determinants	determinant	NOUN
emaj-156	143	15	of	of	ADP
emaj-156	143	16	attitudes	attitude	NOUN
emaj-156	143	17	towards	towards	ADP
emaj-156	143	18	debt	debt	NOUN
emaj-156	143	19	.	.	PUNCT
emaj-156	144	1	when	when	SCONJ
emaj-156	144	2	those	those	DET
emaj-156	144	3	results	result	NOUN
emaj-156	144	4	are	be	AUX
emaj-156	144	5	interpreted	interpret	VERB
emaj-156	144	6	with	with	ADP
emaj-156	144	7	the	the	DET
emaj-156	144	8	other	other	ADJ
emaj-156	144	9	research	research	NOUN
emaj-156	144	10	findings	finding	NOUN
emaj-156	144	11	revealing	reveal	VERB
emaj-156	144	12	the	the	DET
emaj-156	144	13	effects	effect	NOUN
emaj-156	144	14	of	of	ADP
emaj-156	144	15	situational	situational	ADJ
emaj-156	144	16	factors	factor	NOUN
emaj-156	144	17	,	,	PUNCT
emaj-156	144	18	such	such	ADJ
emaj-156	144	19	as	as	ADP
emaj-156	144	20	healthcare	healthcare	NOUN
emaj-156	144	21	costs	cost	NOUN
emaj-156	144	22	,	,	PUNCT
emaj-156	144	23	wedding	wedding	NOUN
emaj-156	144	24	expenses	expense	NOUN
emaj-156	144	25	and	and	CCONJ
emaj-156	144	26	dismissal	dismissal	NOUN
emaj-156	144	27	,	,	PUNCT
emaj-156	144	28	on	on	ADP
emaj-156	144	29	debt	debt	NOUN
emaj-156	144	30	repayment	repayment	NOUN
emaj-156	144	31	behavior	behavior	NOUN
emaj-156	144	32	(	(	PUNCT
emaj-156	144	33	sullivan	sullivan	PROPN
emaj-156	144	34	,	,	PUNCT
emaj-156	144	35	1982	1982	NUM
emaj-156	144	36	;	;	PUNCT
emaj-156	144	37	schuchman	schuchman	NOUN
emaj-156	144	38	,	,	PUNCT
emaj-156	144	39	1983	1983	NUM
emaj-156	144	40	;	;	PUNCT
emaj-156	144	41	tokunaga	tokunaga	NOUN
emaj-156	144	42	,	,	PUNCT
emaj-156	144	43	1993	1993	NUM
emaj-156	144	44	)	)	PUNCT
emaj-156	144	45	,	,	PUNCT
emaj-156	144	46	the	the	DET
emaj-156	144	47	multidimensional	multidimensional	ADJ
emaj-156	144	48	structure	structure	NOUN
emaj-156	144	49	of	of	ADP
emaj-156	144	50	repayment	repayment	NOUN
emaj-156	144	51	behavior	behavior	NOUN
emaj-156	144	52	becomes	become	VERB
emaj-156	144	53	evident	evident	ADJ
emaj-156	144	54	.	.	PUNCT
emaj-156	145	1	in	in	ADP
emaj-156	145	2	other	other	ADJ
emaj-156	145	3	words	word	NOUN
emaj-156	145	4	,	,	PUNCT
emaj-156	145	5	debt	debt	NOUN
emaj-156	145	6	repayment	repayment	NOUN
emaj-156	145	7	behavior	behavior	NOUN
emaj-156	145	8	is	be	AUX
emaj-156	145	9	a	a	DET
emaj-156	145	10	multi	multi	ADJ
emaj-156	145	11	-	-	ADJ
emaj-156	145	12	faced	faced	ADJ
emaj-156	145	13	and	and	CCONJ
emaj-156	145	14	sophisticated	sophisticated	ADJ
emaj-156	145	15	process	process	NOUN
emaj-156	145	16	,	,	PUNCT
emaj-156	145	17	stemming	stem	VERB
emaj-156	145	18	from	from	ADP
emaj-156	145	19	situational	situational	ADJ
emaj-156	145	20	factors	factor	NOUN
emaj-156	145	21	and	and	CCONJ
emaj-156	145	22	individuals	individual	NOUN
emaj-156	145	23	’	’	PART
emaj-156	145	24	personality	personality	NOUN
emaj-156	145	25	traits	trait	NOUN
emaj-156	145	26	.	.	PUNCT
emaj-156	146	1	the	the	DET
emaj-156	146	2	research	research	NOUN
emaj-156	146	3	findings	finding	NOUN
emaj-156	146	4	revealed	reveal	VERB
emaj-156	146	5	that	that	SCONJ
emaj-156	146	6	conscientiousness	conscientiousness	NOUN
emaj-156	146	7	is	be	AUX
emaj-156	146	8	the	the	DET
emaj-156	146	9	primary	primary	ADJ
emaj-156	146	10	determinant	determinant	NOUN
emaj-156	146	11	of	of	ADP
emaj-156	146	12	debt	debt	NOUN
emaj-156	146	13	repayment	repayment	NOUN
emaj-156	146	14	behavior	behavior	NOUN
emaj-156	146	15	.	.	PUNCT
emaj-156	147	1	moreover	moreover	ADV
emaj-156	147	2	,	,	PUNCT
emaj-156	147	3	responsibility	responsibility	NOUN
emaj-156	147	4	is	be	AUX
emaj-156	147	5	the	the	DET
emaj-156	147	6	main	main	ADJ
emaj-156	147	7	characteristics	characteristic	NOUN
emaj-156	147	8	of	of	ADP
emaj-156	147	9	regular	regular	ADJ
emaj-156	147	10	payer	payer	NOUN
emaj-156	147	11	,	,	PUNCT
emaj-156	147	12	irresponsibility	irresponsibility	NOUN
emaj-156	147	13	is	be	AUX
emaj-156	147	14	common	common	ADJ
emaj-156	147	15	characteristics	characteristic	NOUN
emaj-156	147	16	of	of	ADP
emaj-156	147	17	irregular	irregular	ADJ
emaj-156	147	18	payers	payer	NOUN
emaj-156	147	19	.	.	PUNCT
emaj-156	148	1	conscientiousness	conscientiousness	NOUN
emaj-156	148	2	refers	refer	VERB
emaj-156	148	3	to	to	ADP
emaj-156	148	4	tendency	tendency	NOUN
emaj-156	148	5	to	to	PART
emaj-156	148	6	be	be	AUX
emaj-156	148	7	organized	organize	VERB
emaj-156	148	8	and	and	CCONJ
emaj-156	148	9	dependable	dependable	ADJ
emaj-156	148	10	,	,	PUNCT
emaj-156	148	11	show	show	VERB
emaj-156	148	12	self	self	NOUN
emaj-156	148	13	-	-	PUNCT
emaj-156	148	14	discipline	discipline	NOUN
emaj-156	148	15	,	,	PUNCT
emaj-156	148	16	act	act	VERB
emaj-156	148	17	dutifully	dutifully	ADV
emaj-156	148	18	,	,	PUNCT
emaj-156	148	19	aim	aim	VERB
emaj-156	148	20	for	for	ADP
emaj-156	148	21	achievement	achievement	NOUN
emaj-156	148	22	,	,	PUNCT
emaj-156	148	23	and	and	CCONJ
emaj-156	148	24	prefer	prefer	VERB
emaj-156	148	25	planned	plan	VERB
emaj-156	148	26	rather	rather	ADV
emaj-156	148	27	than	than	ADP
emaj-156	148	28	spontaneous	spontaneous	ADJ
emaj-156	148	29	behavior	behavior	NOUN
emaj-156	148	30	.	.	PUNCT
emaj-156	149	1	according	accord	VERB
emaj-156	149	2	to	to	ADP
emaj-156	149	3	nyhus	nyhus	PROPN
emaj-156	149	4	and	and	CCONJ
emaj-156	149	5	webley	webley	PROPN
emaj-156	149	6	(	(	PUNCT
emaj-156	149	7	2001	2001	NUM
emaj-156	149	8	)	)	PUNCT
emaj-156	149	9	,	,	PUNCT
emaj-156	149	10	conscientious	conscientious	ADJ
emaj-156	149	11	persons	person	NOUN
emaj-156	149	12	would	would	AUX
emaj-156	149	13	be	be	AUX
emaj-156	149	14	expected	expect	VERB
emaj-156	149	15	to	to	PART
emaj-156	149	16	keep	keep	VERB
emaj-156	149	17	track	track	NOUN
emaj-156	149	18	of	of	ADP
emaj-156	149	19	their	their	PRON
emaj-156	149	20	finance	finance	NOUN
emaj-156	149	21	.	.	PUNCT
emaj-156	150	1	similarly	similarly	ADV
emaj-156	150	2	,	,	PUNCT
emaj-156	150	3	livingstone	livingstone	PROPN
emaj-156	150	4	and	and	CCONJ
emaj-156	150	5	lunt	lunt	PROPN
emaj-156	150	6	(	(	PUNCT
emaj-156	150	7	1992	1992	NUM
emaj-156	150	8	)	)	PUNCT
emaj-156	150	9	support	support	VERB
emaj-156	150	10	the	the	DET
emaj-156	150	11	positive	positive	ADJ
emaj-156	150	12	effect	effect	NOUN
emaj-156	150	13	of	of	ADP
emaj-156	150	14	conscientiousness	conscientiousness	NOUN
emaj-156	150	15	on	on	ADP
emaj-156	150	16	regular	regular	ADJ
emaj-156	150	17	payment	payment	NOUN
emaj-156	150	18	behavior	behavior	NOUN
emaj-156	150	19	by	by	ADP
emaj-156	150	20	indicating	indicate	VERB
emaj-156	150	21	that	that	SCONJ
emaj-156	150	22	people	people	NOUN
emaj-156	150	23	who	who	PRON
emaj-156	150	24	repaid	repay	VERB
emaj-156	150	25	regularly	regularly	ADV
emaj-156	150	26	are	be	AUX
emaj-156	150	27	more	more	ADV
emaj-156	150	28	concerned	concerned	ADJ
emaj-156	150	29	with	with	ADP
emaj-156	150	30	personal	personal	ADJ
emaj-156	150	31	achievement	achievement	NOUN
emaj-156	150	32	and	and	CCONJ
emaj-156	150	33	self	self	NOUN
emaj-156	150	34	-	-	PUNCT
emaj-156	150	35	direction	direction	NOUN
emaj-156	150	36	.	.	PUNCT
emaj-156	151	1	time	time	NOUN
emaj-156	151	2	orientation	orientation	NOUN
emaj-156	151	3	,	,	PUNCT
emaj-156	151	4	referring	refer	VERB
emaj-156	151	5	to	to	ADP
emaj-156	151	6	the	the	DET
emaj-156	151	7	connection	connection	NOUN
emaj-156	151	8	of	of	ADP
emaj-156	151	9	the	the	DET
emaj-156	151	10	past	past	NOUN
emaj-156	151	11	with	with	ADP
emaj-156	151	12	the	the	DET
emaj-156	151	13	current	current	ADJ
emaj-156	151	14	and	and	CCONJ
emaj-156	151	15	future	future	ADJ
emaj-156	151	16	actions	action	NOUN
emaj-156	151	17	/	/	SYM
emaj-156	151	18	challenges	challenge	NOUN
emaj-156	151	19	,	,	PUNCT
emaj-156	151	20	has	have	AUX
emaj-156	151	21	been	be	AUX
emaj-156	151	22	emerged	emerge	VERB
emaj-156	151	23	as	as	ADP
emaj-156	151	24	another	another	DET
emaj-156	151	25	primary	primary	ADJ
emaj-156	151	26	factor	factor	NOUN
emaj-156	151	27	affecting	affect	VERB
emaj-156	151	28	debt	debt	NOUN
emaj-156	151	29	repayment	repayment	NOUN
emaj-156	151	30	behavior	behavior	NOUN
emaj-156	151	31	,	,	PUNCT
emaj-156	151	32	according	accord	VERB
emaj-156	151	33	to	to	ADP
emaj-156	151	34	this	this	DET
emaj-156	151	35	survey	survey	NOUN
emaj-156	151	36	’s	’s	PART
emaj-156	151	37	findings	finding	NOUN
emaj-156	151	38	.	.	PUNCT
emaj-156	152	1	long	long	ADJ
emaj-156	152	2	term	term	NOUN
emaj-156	152	3	oriented	orient	VERB
emaj-156	152	4	people	people	NOUN
emaj-156	152	5	are	be	AUX
emaj-156	152	6	more	more	ADV
emaj-156	152	7	prone	prone	ADJ
emaj-156	152	8	to	to	PART
emaj-156	152	9	pay	pay	VERB
emaj-156	152	10	their	their	PRON
emaj-156	152	11	debts	debt	NOUN
emaj-156	152	12	regularly	regularly	ADV
emaj-156	152	13	,	,	PUNCT
emaj-156	152	14	while	while	SCONJ
emaj-156	152	15	short	short	ADJ
emaj-156	152	16	term	term	NOUN
emaj-156	152	17	oriented	orient	VERB
emaj-156	152	18	people	people	NOUN
emaj-156	152	19	unlikely	unlikely	ADJ
emaj-156	152	20	have	have	VERB
emaj-156	152	21	problems	problem	NOUN
emaj-156	152	22	with	with	ADP
emaj-156	152	23	payment	payment	NOUN
emaj-156	152	24	of	of	ADP
emaj-156	152	25	their	their	PRON
emaj-156	152	26	debts	debt	NOUN
emaj-156	152	27	regularly	regularly	ADV
emaj-156	152	28	.	.	PUNCT
emaj-156	153	1	zhang	zhang	PROPN
emaj-156	153	2	and	and	CCONJ
emaj-156	153	3	devaney	devaney	PROPN
emaj-156	153	4	(	(	PUNCT
emaj-156	153	5	1999	1999	NUM
emaj-156	153	6	)	)	PUNCT
emaj-156	153	7	supports	support	VERB
emaj-156	153	8	those	those	DET
emaj-156	153	9	findings	finding	NOUN
emaj-156	153	10	by	by	ADP
emaj-156	153	11	their	their	PRON
emaj-156	153	12	stating	state	VERB
emaj-156	153	13	that	that	DET
emaj-156	153	14	short	short	ADJ
emaj-156	153	15	term	term	NOUN
emaj-156	153	16	oriented	orient	VERB
emaj-156	153	17	people	people	NOUN
emaj-156	153	18	,	,	PUNCT
emaj-156	153	19	had	have	VERB
emaj-156	153	20	larger	large	ADJ
emaj-156	153	21	amount	amount	NOUN
emaj-156	153	22	of	of	ADP
emaj-156	153	23	debt	debt	NOUN
emaj-156	153	24	,	,	PUNCT
emaj-156	153	25	are	be	AUX
emaj-156	153	26	more	more	ADV
emaj-156	153	27	likely	likely	ADJ
emaj-156	153	28	to	to	PART
emaj-156	153	29	have	have	VERB
emaj-156	153	30	debt	debt	NOUN
emaj-156	153	31	payments	payment	NOUN
emaj-156	153	32	difficulties	difficulty	NOUN
emaj-156	153	33	.	.	PUNCT
emaj-156	154	1	those	those	PRON
emaj-156	154	2	with	with	ADP
emaj-156	154	3	a	a	DET
emaj-156	154	4	relatively	relatively	ADV
emaj-156	154	5	high	high	ADJ
emaj-156	154	6	«	«	PUNCT
emaj-156	154	7	subjective	subjective	ADJ
emaj-156	154	8	discount	discount	NOUN
emaj-156	154	9	rate	rate	NOUN
emaj-156	154	10	»	»	PUNCT
emaj-156	154	11	are	be	AUX
emaj-156	154	12	unlikely	unlikely	ADJ
emaj-156	154	13	to	to	PART
emaj-156	154	14	be	be	AUX
emaj-156	154	15	able	able	ADJ
emaj-156	154	16	to	to	PART
emaj-156	154	17	"	"	PUNCT
emaj-156	154	18	defer	defer	VERB
emaj-156	154	19	gratifications	gratification	NOUN
emaj-156	154	20	"	"	PUNCT
emaj-156	154	21	and	and	CCONJ
emaj-156	154	22	thus	thus	ADV
emaj-156	154	23	will	will	AUX
emaj-156	154	24	be	be	AUX
emaj-156	154	25	less	less	ADV
emaj-156	154	26	likely	likely	ADJ
emaj-156	154	27	to	to	PART
emaj-156	154	28	save	save	VERB
emaj-156	154	29	and	and	CCONJ
emaj-156	154	30	more	more	ADV
emaj-156	154	31	likely	likely	ADJ
emaj-156	154	32	to	to	PART
emaj-156	154	33	incur	incur	VERB
emaj-156	154	34	debt	debt	NOUN
emaj-156	154	35	(	(	PUNCT
emaj-156	154	36	lea	lea	PROPN
emaj-156	154	37	,	,	PUNCT
emaj-156	154	38	webley	webley	PROPN
emaj-156	154	39	and	and	CCONJ
emaj-156	154	40	walker	walker	NOUN
emaj-156	154	41	,	,	PUNCT
emaj-156	154	42	1995	1995	NUM
emaj-156	154	43	)	)	PUNCT
emaj-156	154	44	.	.	PUNCT
emaj-156	155	1	the	the	DET
emaj-156	155	2	research	research	NOUN
emaj-156	155	3	findings	finding	NOUN
emaj-156	155	4	also	also	ADV
emaj-156	155	5	revealed	reveal	VERB
emaj-156	155	6	that	that	SCONJ
emaj-156	155	7	the	the	DET
emaj-156	155	8	external	external	ADJ
emaj-156	155	9	locus	locus	NOUN
emaj-156	155	10	of	of	ADP
emaj-156	155	11	control	control	NOUN
emaj-156	155	12	as	as	ADP
emaj-156	155	13	main	main	ADJ
emaj-156	155	14	characteristics	characteristic	NOUN
emaj-156	155	15	of	of	ADP
emaj-156	155	16	irregular	irregular	ADJ
emaj-156	155	17	payers	payer	NOUN
emaj-156	155	18	has	have	AUX
emaj-156	155	19	been	be	AUX
emaj-156	155	20	supported	support	VERB
emaj-156	155	21	by	by	ADP
emaj-156	155	22	literature	literature	NOUN
emaj-156	155	23	(	(	PUNCT
emaj-156	155	24	e.g.	e.g.	ADV
emaj-156	155	25	dessart	dessart	NOUN
emaj-156	155	26	and	and	CCONJ
emaj-156	155	27	kuylen	kuylen	ADJ
emaj-156	155	28	,	,	PUNCT
emaj-156	155	29	1986	1986	NUM
emaj-156	155	30	;	;	PUNCT
emaj-156	155	31	livingstone	livingstone	PROPN
emaj-156	155	32	and	and	CCONJ
emaj-156	155	33	lunt	lunt	PROPN
emaj-156	155	34	,	,	PUNCT
emaj-156	155	35	1992	1992	NUM
emaj-156	155	36	)	)	PUNCT
emaj-156	155	37	.	.	PUNCT
emaj-156	156	1	livingstone	livingstone	PROPN
emaj-156	156	2	and	and	CCONJ
emaj-156	156	3	lunt	lunt	PROPN
emaj-156	156	4	(	(	PUNCT
emaj-156	156	5	1992	1992	NUM
emaj-156	156	6	)	)	PUNCT
emaj-156	156	7	state	state	NOUN
emaj-156	156	8	that	that	SCONJ
emaj-156	156	9	people	people	NOUN
emaj-156	156	10	having	have	VERB
emaj-156	156	11	higher	high	ADJ
emaj-156	156	12	level	level	NOUN
emaj-156	156	13	of	of	ADP
emaj-156	156	14	external	external	ADJ
emaj-156	156	15	locus	locus	NOUN
emaj-156	156	16	of	of	ADP
emaj-156	156	17	control	control	NOUN
emaj-156	156	18	are	be	AUX
emaj-156	156	19	more	more	ADV
emaj-156	156	20	prone	prone	ADJ
emaj-156	156	21	to	to	ADP
emaj-156	156	22	over	over	NOUN
emaj-156	156	23	-	-	PUNCT
emaj-156	156	24	indebtedness	indebtedness	NOUN
emaj-156	156	25	.	.	PUNCT
emaj-156	157	1	external	external	ADJ
emaj-156	157	2	locus	locus	NOUN
emaj-156	157	3	of	of	ADP
emaj-156	157	4	control	control	NOUN
emaj-156	157	5	,	,	PUNCT
emaj-156	157	6	the	the	DET
emaj-156	157	7	characteristics	characteristic	NOUN
emaj-156	157	8	of	of	ADP
emaj-156	157	9	people	people	NOUN
emaj-156	157	10	who	who	PRON
emaj-156	157	11	attribute	attribute	VERB
emaj-156	157	12	what	what	PRON
emaj-156	157	13	happens	happen	VERB
emaj-156	157	14	all	all	PRON
emaj-156	157	15	in	in	ADP
emaj-156	157	16	their	their	PRON
emaj-156	157	17	life	life	NOUN
emaj-156	157	18	to	to	ADP
emaj-156	157	19	the	the	DET
emaj-156	157	20	external	external	ADJ
emaj-156	157	21	factors	factor	NOUN
emaj-156	157	22	(	(	PUNCT
emaj-156	157	23	spector	spector	NOUN
emaj-156	157	24	,	,	PUNCT
emaj-156	157	25	1982	1982	NUM
emaj-156	157	26	)	)	PUNCT
emaj-156	157	27	,	,	PUNCT
emaj-156	157	28	is	be	AUX
emaj-156	157	29	appeared	appear	VERB
emaj-156	157	30	as	as	ADP
emaj-156	157	31	trait	trait	NOUN
emaj-156	157	32	of	of	ADP
emaj-156	157	33	irregular	irregular	ADJ
emaj-156	157	34	payers	payer	NOUN
emaj-156	157	35	and	and	CCONJ
emaj-156	157	36	essential	essential	ADJ
emaj-156	157	37	determinant	determinant	NOUN
emaj-156	157	38	of	of	ADP
emaj-156	157	39	repayment	repayment	NOUN
emaj-156	157	40	behavior	behavior	NOUN
emaj-156	157	41	.	.	PUNCT
emaj-156	158	1	those	those	DET
emaj-156	158	2	people	people	NOUN
emaj-156	158	3	having	have	VERB
emaj-156	158	4	external	external	ADJ
emaj-156	158	5	locus	locus	NOUN
emaj-156	158	6	of	of	ADP
emaj-156	158	7	control	control	NOUN
emaj-156	158	8	may	may	AUX
emaj-156	158	9	avoid	avoid	VERB
emaj-156	158	10	psychological	psychological	ADJ
emaj-156	158	11	pressure	pressure	NOUN
emaj-156	158	12	of	of	ADP
emaj-156	158	13	debt	debt	NOUN
emaj-156	158	14	by	by	ADP
emaj-156	158	15	attributing	attribute	VERB
emaj-156	158	16	the	the	DET
emaj-156	158	17	reasons	reason	NOUN
emaj-156	158	18	of	of	ADP
emaj-156	158	19	nonpayment	nonpayment	NOUN
emaj-156	158	20	to	to	ADP
emaj-156	158	21	external	external	ADJ
emaj-156	158	22	factors	factor	NOUN
emaj-156	158	23	rather	rather	ADV
emaj-156	158	24	than	than	ADP
emaj-156	158	25	themselves	themselves	PRON
emaj-156	158	26	,	,	PUNCT
emaj-156	158	27	so	so	ADV
emaj-156	158	28	,	,	PUNCT
emaj-156	158	29	get	get	AUX
emaj-156	158	30	rid	rid	VERB
emaj-156	158	31	of	of	ADP
emaj-156	158	32	the	the	DET
emaj-156	158	33	responsibility	responsibility	NOUN
emaj-156	158	34	in	in	ADP
emaj-156	158	35	short	short	ADJ
emaj-156	158	36	therm	therm	NOUN
emaj-156	158	37	.	.	PUNCT
emaj-156	159	1	another	another	DET
emaj-156	159	2	characteristic	characteristic	NOUN
emaj-156	159	3	of	of	ADP
emaj-156	159	4	irregular	irregular	ADJ
emaj-156	159	5	payers	payer	NOUN
emaj-156	159	6	investigated	investigate	VERB
emaj-156	159	7	by	by	ADP
emaj-156	159	8	this	this	DET
emaj-156	159	9	research	research	NOUN
emaj-156	159	10	is	be	AUX
emaj-156	159	11	short	short	ADJ
emaj-156	159	12	term	term	NOUN
emaj-156	159	13	orientation	orientation	NOUN
emaj-156	159	14	,	,	PUNCT
emaj-156	159	15	is	be	AUX
emaj-156	159	16	also	also	ADV
emaj-156	159	17	completing	complete	VERB
emaj-156	159	18	the	the	DET
emaj-156	159	19	picture	picture	NOUN
emaj-156	159	20	consistently	consistently	ADV
emaj-156	159	21	.	.	PUNCT
emaj-156	160	1	as	as	SCONJ
emaj-156	160	2	been	be	AUX
emaj-156	160	3	indicated	indicate	VERB
emaj-156	160	4	previously	previously	ADV
emaj-156	160	5	,	,	PUNCT
emaj-156	160	6	the	the	DET
emaj-156	160	7	findings	finding	NOUN
emaj-156	160	8	of	of	ADP
emaj-156	160	9	this	this	DET
emaj-156	160	10	research	research	NOUN
emaj-156	160	11	on	on	ADP
emaj-156	160	12	basic	basic	ADJ
emaj-156	160	13	characteristics	characteristic	NOUN
emaj-156	160	14	of	of	ADP
emaj-156	160	15	regular	regular	ADJ
emaj-156	160	16	and	and	CCONJ
emaj-156	160	17	irregular	irregular	ADJ
emaj-156	160	18	payers	payer	NOUN
emaj-156	160	19	are	be	AUX
emaj-156	160	20	commonly	commonly	ADV
emaj-156	160	21	consistent	consistent	ADJ
emaj-156	160	22	with	with	ADP
emaj-156	160	23	international	international	ADJ
emaj-156	160	24	literature	literature	NOUN
emaj-156	160	25	.	.	PUNCT
emaj-156	161	1	however	however	ADV
emaj-156	161	2	,	,	PUNCT
emaj-156	161	3	“	"	PUNCT
emaj-156	161	4	sense	sense	NOUN
emaj-156	161	5	of	of	ADP
emaj-156	161	6	collectivism	collectivism	NOUN
emaj-156	161	7	”	"	PUNCT
emaj-156	161	8	and	and	CCONJ
emaj-156	161	9	“	"	PUNCT
emaj-156	161	10	fear	fear	NOUN
emaj-156	161	11	of	of	ADP
emaj-156	161	12	sanction	sanction	NOUN
emaj-156	161	13	(	(	PUNCT
emaj-156	161	14	punishment	punishment	NOUN
emaj-156	161	15	avoidance	avoidance	NOUN
emaj-156	161	16	)	)	PUNCT
emaj-156	161	17	”	"	PUNCT
emaj-156	161	18	,	,	PUNCT
emaj-156	161	19	investigated	investigate	VERB
emaj-156	161	20	by	by	ADP
emaj-156	161	21	this	this	DET
emaj-156	161	22	research	research	NOUN
emaj-156	161	23	as	as	ADP
emaj-156	161	24	trait	trait	NOUN
emaj-156	161	25	of	of	ADP
emaj-156	161	26	regular	regular	ADJ
emaj-156	161	27	payers	payer	NOUN
emaj-156	161	28	,	,	PUNCT
emaj-156	161	29	are	be	AUX
emaj-156	161	30	not	not	PART
emaj-156	161	31	relevant	relevant	ADJ
emaj-156	161	32	to	to	ADP
emaj-156	161	33	international	international	ADJ
emaj-156	161	34	literature	literature	NOUN
emaj-156	161	35	.	.	PUNCT
emaj-156	162	1	turkey	turkey	PROPN
emaj-156	162	2	has	have	AUX
emaj-156	162	3	been	be	AUX
emaj-156	162	4	classified	classify	VERB
emaj-156	162	5	as	as	ADP
emaj-156	162	6	collectivist	collectivist	NOUN
emaj-156	162	7	nation	nation	NOUN
emaj-156	162	8	,	,	PUNCT
emaj-156	162	9	involving	involve	VERB
emaj-156	162	10	“	"	PUNCT
emaj-156	162	11	collectivist	collectivist	ADJ
emaj-156	162	12	culture	culture	NOUN
emaj-156	162	13	”	"	PUNCT
emaj-156	162	14	by	by	ADP
emaj-156	162	15	hofstede	hofstede	NOUN
emaj-156	162	16	(	(	PUNCT
emaj-156	162	17	1980	1980	NUM
emaj-156	162	18	)	)	PUNCT
emaj-156	162	19	.	.	PUNCT
emaj-156	163	1	in	in	ADP
emaj-156	163	2	such	such	DET
emaj-156	163	3	a	a	DET
emaj-156	163	4	kind	kind	NOUN
emaj-156	163	5	of	of	ADP
emaj-156	163	6	collectivist	collectivist	ADJ
emaj-156	163	7	cultures	culture	NOUN
emaj-156	163	8	,	,	PUNCT
emaj-156	163	9	individuals	individual	NOUN
emaj-156	163	10	commonly	commonly	ADV
emaj-156	163	11	feel	feel	VERB
emaj-156	163	12	that	that	SCONJ
emaj-156	163	13	they	they	PRON
emaj-156	163	14	have	have	VERB
emaj-156	163	15	to	to	PART
emaj-156	163	16	obey	obey	VERB
emaj-156	163	17	the	the	DET
emaj-156	163	18	rules	rule	NOUN
emaj-156	163	19	and	and	CCONJ
emaj-156	163	20	values	value	NOUN
emaj-156	163	21	of	of	ADP
emaj-156	163	22	group	group	NOUN
emaj-156	163	23	or	or	CCONJ
emaj-156	163	24	society	society	NOUN
emaj-156	163	25	in	in	ADP
emaj-156	163	26	which	which	PRON
emaj-156	163	27	they	they	PRON
emaj-156	163	28	live	live	VERB
emaj-156	163	29	and	and	CCONJ
emaj-156	163	30	mostly	mostly	ADV
emaj-156	163	31	avoid	avoid	VERB
emaj-156	163	32	the	the	DET
emaj-156	163	33	behaviors	behavior	NOUN
emaj-156	163	34	which	which	PRON
emaj-156	163	35	are	be	AUX
emaj-156	163	36	not	not	PART
emaj-156	163	37	accepted	accept	VERB
emaj-156	163	38	by	by	ADP
emaj-156	163	39	the	the	DET
emaj-156	163	40	society	society	NOUN
emaj-156	163	41	and	and	CCONJ
emaj-156	163	42	law	law	NOUN
emaj-156	163	43	.	.	PUNCT
emaj-156	164	1	thus	thus	ADV
emaj-156	164	2	,	,	PUNCT
emaj-156	164	3	people	people	NOUN
emaj-156	164	4	who	who	PRON
emaj-156	164	5	have	have	VERB
emaj-156	164	6	intensive	intensive	ADJ
emaj-156	164	7	sense	sense	NOUN
emaj-156	164	8	of	of	ADP
emaj-156	164	9	collectivism	collectivism	NOUN
emaj-156	164	10	will	will	AUX
emaj-156	164	11	likely	likely	ADV
emaj-156	164	12	feel	feel	VERB
emaj-156	164	13	and	and	CCONJ
emaj-156	164	14	respond	respond	VERB
emaj-156	164	15	to	to	ADP
emaj-156	164	16	social	social	ADJ
emaj-156	164	17	pressure	pressure	NOUN
emaj-156	164	18	aroused	arouse	VERB
emaj-156	164	19	from	from	ADP
emaj-156	164	20	society	society	NOUN
emaj-156	164	21	intensively	intensively	ADV
emaj-156	164	22	.	.	PUNCT
emaj-156	165	1	in	in	ADP
emaj-156	165	2	turkish	turkish	ADJ
emaj-156	165	3	culture	culture	NOUN
emaj-156	165	4	,	,	PUNCT
emaj-156	165	5	“	"	PUNCT
emaj-156	165	6	debt	debt	NOUN
emaj-156	165	7	default	default	NOUN
emaj-156	165	8	”	"	PUNCT
emaj-156	165	9	is	be	AUX
emaj-156	165	10	still	still	ADV
emaj-156	165	11	considered	consider	VERB
emaj-156	165	12	as	as	ADP
emaj-156	165	13	a	a	DET
emaj-156	165	14	shame	shame	NOUN
emaj-156	165	15	.	.	PUNCT
emaj-156	166	1	thus	thus	ADV
emaj-156	166	2	,	,	PUNCT
emaj-156	166	3	in	in	ADP
emaj-156	166	4	such	such	DET
emaj-156	166	5	a	a	DET
emaj-156	166	6	culture	culture	NOUN
emaj-156	166	7	,	,	PUNCT
emaj-156	166	8	individual	individual	NOUN
emaj-156	166	9	who	who	PRON
emaj-156	166	10	have	have	VERB
emaj-156	166	11	high	high	ADJ
emaj-156	166	12	level	level	NOUN
emaj-156	166	13	of	of	ADP
emaj-156	166	14	“	"	PUNCT
emaj-156	166	15	sense	sense	NOUN
emaj-156	166	16	of	of	ADP
emaj-156	166	17	collectivism	collectivism	NOUN
emaj-156	166	18	”	"	PUNCT
emaj-156	166	19	and	and	CCONJ
emaj-156	166	20	“	"	PUNCT
emaj-156	166	21	fear	fear	NOUN
emaj-156	166	22	of	of	ADP
emaj-156	166	23	sanction	sanction	NOUN
emaj-156	166	24	”	"	PUNCT
emaj-156	166	25	,	,	PUNCT
emaj-156	166	26	may	may	AUX
emaj-156	166	27	be	be	AUX
emaj-156	166	28	more	more	ADV
emaj-156	166	29	prone	prone	ADJ
emaj-156	166	30	to	to	PART
emaj-156	166	31	pay	pay	VERB
emaj-156	166	32	regularly	regularly	ADV
emaj-156	166	33	to	to	PART
emaj-156	166	34	avoid	avoid	VERB
emaj-156	166	35	social	social	ADJ
emaj-156	166	36	and	and	CCONJ
emaj-156	166	37	legal	legal	ADJ
emaj-156	166	38	pressures	pressure	NOUN
emaj-156	166	39	.	.	PUNCT
emaj-156	167	1	moreover	moreover	ADV
emaj-156	167	2	,	,	PUNCT
emaj-156	167	3	those	those	PRON
emaj-156	167	4	who	who	PRON
emaj-156	167	5	see	see	VERB
emaj-156	167	6	credit	credit	NOUN
emaj-156	167	7	and	and	CCONJ
emaj-156	167	8	debt	debt	NOUN
emaj-156	167	9	,	,	PUNCT
emaj-156	167	10	as	as	ADP
emaj-156	167	11	shameful	shameful	ADJ
emaj-156	167	12	,	,	PUNCT
emaj-156	167	13	to	to	PART
emaj-156	167	14	be	be	AUX
emaj-156	167	15	avoided	avoid	VERB
emaj-156	167	16	,	,	PUNCT
emaj-156	167	17	a	a	DET
emaj-156	167	18	source	source	NOUN
emaj-156	167	19	of	of	ADP
emaj-156	167	20	problems	problem	NOUN
emaj-156	167	21	,	,	PUNCT
emaj-156	167	22	are	be	AUX
emaj-156	167	23	people	people	NOUN
emaj-156	167	24	who	who	PRON
emaj-156	167	25	build	build	VERB
emaj-156	167	26	up	up	ADP
emaj-156	167	27	their	their	PRON
emaj-156	167	28	savings	saving	NOUN
emaj-156	167	29	with	with	ADP
emaj-156	167	30	their	their	PRON
emaj-156	167	31	resources	resource	NOUN
emaj-156	167	32	rather	rather	ADV
emaj-156	167	33	than	than	ADP
emaj-156	167	34	servicing	service	VERB
emaj-156	167	35	their	their	PRON
emaj-156	167	36	debts	debt	NOUN
emaj-156	167	37	with	with	ADP
emaj-156	167	38	(	(	PUNCT
emaj-156	167	39	livingstone	livingstone	PROPN
emaj-156	167	40	and	and	CCONJ
emaj-156	167	41	lunt	lunt	PROPN
emaj-156	167	42	,	,	PUNCT
emaj-156	167	43	1992	1992	NUM
emaj-156	167	44	)	)	PUNCT
emaj-156	167	45	,	,	PUNCT
emaj-156	167	46	so	so	ADV
emaj-156	167	47	are	be	AUX
emaj-156	167	48	not	not	PART
emaj-156	167	49	getting	get	VERB
emaj-156	167	50	problem	problem	NOUN
emaj-156	167	51	with	with	ADP
emaj-156	167	52	paying	pay	VERB
emaj-156	167	53	.	.	PUNCT
emaj-156	168	1	the	the	DET
emaj-156	168	2	underlying	underlie	VERB
emaj-156	168	3	constraint	constraint	NOUN
emaj-156	168	4	of	of	ADP
emaj-156	168	5	this	this	DET
emaj-156	168	6	study	study	NOUN
emaj-156	168	7	is	be	AUX
emaj-156	168	8	failing	fail	VERB
emaj-156	168	9	to	to	PART
emaj-156	168	10	recruit	recruit	VERB
emaj-156	168	11	a	a	DET
emaj-156	168	12	sufficient	sufficient	ADJ
emaj-156	168	13	number	number	NOUN
emaj-156	168	14	of	of	ADP
emaj-156	168	15	irregular	irregular	ADJ
emaj-156	168	16	payers	payer	NOUN
emaj-156	168	17	.	.	PUNCT
emaj-156	169	1	the	the	DET
emaj-156	169	2	volume	volume	NOUN
emaj-156	169	3	8	8	NUM
emaj-156	169	4	no	no	DET
emaj-156	169	5	2	2	NUM
emaj-156	169	6	(	(	PUNCT
emaj-156	169	7	2018	2018	NUM
emaj-156	169	8	)	)	PUNCT
emaj-156	169	9	|	|	ADV
emaj-156	169	10	issn	issn	VERB
emaj-156	169	11	2158	2158	NUM
emaj-156	169	12	-	-	SYM
emaj-156	169	13	8708	8708	NUM
emaj-156	169	14	(	(	PUNCT
emaj-156	169	15	online	online	NOUN
emaj-156	169	16	)	)	PUNCT
emaj-156	169	17	|	|	ADV
emaj-156	169	18	doi	doi	X
emaj-156	169	19	10.5195	10.5195	NUM
emaj-156	169	20	/	/	SYM
emaj-156	169	21	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	169	22	|	|	ADV
emaj-156	169	23	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	169	24	a	a	DET
emaj-156	169	25	field	field	NOUN
emaj-156	169	26	research	research	NOUN
emaj-156	169	27	to	to	PART
emaj-156	169	28	identify	identify	VERB
emaj-156	169	29	psychological	psychological	ADJ
emaj-156	169	30	factors	factor	NOUN
emaj-156	169	31	influencing	influence	VERB
emaj-156	169	32	the	the	DET
emaj-156	169	33	debt	debt	NOUN
emaj-156	169	34	repayment	repayment	NOUN
emaj-156	169	35	behavior	behavior	NOUN
emaj-156	169	36	in	in	ADP
emaj-156	169	37	turkey	turkey	NOUN
emaj-156	169	38	page	page	NOUN
emaj-156	169	39	|32|	|32|	NOUN
emaj-156	169	40	emerging	emerge	VERB
emaj-156	169	41	markets	market	NOUN
emaj-156	169	42	journal	journal	NOUN
emaj-156	169	43	number	number	NOUN
emaj-156	169	44	of	of	ADP
emaj-156	169	45	irregular	irregular	ADJ
emaj-156	169	46	respondents	respondent	NOUN
emaj-156	169	47	can	can	AUX
emaj-156	169	48	be	be	AUX
emaj-156	169	49	increased	increase	VERB
emaj-156	169	50	by	by	ADP
emaj-156	169	51	utilizing	utilize	VERB
emaj-156	169	52	snowball	snowball	NOUN
emaj-156	169	53	sampling	sampling	NOUN
emaj-156	169	54	method	method	NOUN
emaj-156	169	55	to	to	PART
emaj-156	169	56	overcome	overcome	VERB
emaj-156	169	57	this	this	DET
emaj-156	169	58	constraint	constraint	NOUN
emaj-156	169	59	in	in	ADP
emaj-156	169	60	further	further	ADJ
emaj-156	169	61	researches	research	NOUN
emaj-156	169	62	.	.	PUNCT
emaj-156	170	1	moreover	moreover	ADV
emaj-156	170	2	,	,	PUNCT
emaj-156	170	3	the	the	DET
emaj-156	170	4	findings	finding	NOUN
emaj-156	170	5	of	of	ADP
emaj-156	170	6	this	this	DET
emaj-156	170	7	survey	survey	NOUN
emaj-156	170	8	are	be	AUX
emaj-156	170	9	limited	limit	VERB
emaj-156	170	10	to	to	ADP
emaj-156	170	11	in	in	ADP
emaj-156	170	12	depth	depth	NOUN
emaj-156	170	13	interview	interview	NOUN
emaj-156	170	14	analysis	analysis	NOUN
emaj-156	170	15	results	result	NOUN
emaj-156	170	16	of	of	ADP
emaj-156	170	17	10	10	NUM
emaj-156	170	18	participants	participant	NOUN
emaj-156	170	19	.	.	PUNCT
emaj-156	171	1	so	so	ADV
emaj-156	171	2	,	,	PUNCT
emaj-156	171	3	an	an	DET
emaj-156	171	4	extensive	extensive	ADJ
emaj-156	171	5	questionnaire	questionnaire	NOUN
emaj-156	171	6	survey	survey	NOUN
emaj-156	171	7	,	,	PUNCT
emaj-156	171	8	which	which	PRON
emaj-156	171	9	based	base	VERB
emaj-156	171	10	on	on	ADP
emaj-156	171	11	findings	finding	NOUN
emaj-156	171	12	of	of	ADP
emaj-156	171	13	in	in	ADP
emaj-156	171	14	depth	depth	NOUN
emaj-156	171	15	interview	interview	NOUN
emaj-156	171	16	research	research	NOUN
emaj-156	171	17	and	and	CCONJ
emaj-156	171	18	literature	literature	PROPN
emaj-156	171	19	review	review	PROPN
emaj-156	171	20	,	,	PUNCT
emaj-156	171	21	can	can	AUX
emaj-156	171	22	be	be	AUX
emaj-156	171	23	conducted	conduct	VERB
emaj-156	171	24	to	to	PART
emaj-156	171	25	verify	verify	VERB
emaj-156	171	26	the	the	DET
emaj-156	171	27	findings	finding	NOUN
emaj-156	171	28	of	of	ADP
emaj-156	171	29	this	this	DET
emaj-156	171	30	survey	survey	NOUN
emaj-156	171	31	and	and	CCONJ
emaj-156	171	32	to	to	PART
emaj-156	171	33	depict	depict	VERB
emaj-156	171	34	an	an	DET
emaj-156	171	35	overall	overall	ADJ
emaj-156	171	36	picture	picture	NOUN
emaj-156	171	37	of	of	ADP
emaj-156	171	38	repayment	repayment	NOUN
emaj-156	171	39	behavior	behavior	NOUN
emaj-156	171	40	in	in	ADP
emaj-156	171	41	turkey	turkey	NOUN
emaj-156	171	42	.	.	PUNCT
emaj-156	172	1	acknowledgments	acknowledgment	NOUN
emaj-156	173	1	[	[	X
emaj-156	173	2	if	if	SCONJ
emaj-156	173	3	any	any	PRON
emaj-156	173	4	]	]	PUNCT
emaj-156	173	5	this	this	DET
emaj-156	173	6	paper	paper	NOUN
emaj-156	173	7	is	be	AUX
emaj-156	173	8	presented	present	VERB
emaj-156	173	9	at	at	ADP
emaj-156	173	10	8th	8th	ADJ
emaj-156	173	11	international	international	ADJ
emaj-156	173	12	conference	conference	NOUN
emaj-156	173	13	on	on	ADP
emaj-156	173	14	leadership	leadership	NOUN
emaj-156	173	15	,	,	PUNCT
emaj-156	173	16	technology	technology	NOUN
emaj-156	173	17	,	,	PUNCT
emaj-156	173	18	innovation	innovation	NOUN
emaj-156	173	19	and	and	CCONJ
emaj-156	173	20	business	business	NOUN
emaj-156	173	21	management	management	NOUN
emaj-156	173	22	2018	2018	NUM
emaj-156	173	23	.	.	PUNCT
emaj-156	174	1	references	reference	NOUN
emaj-156	174	2	achtziger	achtziger	ADJ
emaj-156	174	3	,	,	PUNCT
emaj-156	174	4	a.	a.	PROPN
emaj-156	174	5	,	,	PUNCT
emaj-156	174	6	hubert	hubert	PROPN
emaj-156	174	7	,	,	PUNCT
emaj-156	174	8	m.	m.	NOUN
emaj-156	174	9	,	,	PUNCT
emaj-156	174	10	kenning	kenning	PROPN
emaj-156	174	11	,	,	PUNCT
emaj-156	174	12	p.	p.	PROPN
emaj-156	174	13	,	,	PUNCT
emaj-156	174	14	raab	raab	PROPN
emaj-156	174	15	,	,	PUNCT
emaj-156	174	16	g.	g.	PROPN
emaj-156	174	17	and	and	CCONJ
emaj-156	174	18	reisch	reisch	PROPN
emaj-156	174	19	,	,	PUNCT
emaj-156	174	20	l.	l.	PROPN
emaj-156	174	21	(	(	PUNCT
emaj-156	174	22	2015	2015	NUM
emaj-156	174	23	)	)	PUNCT
emaj-156	174	24	.	.	PUNCT
emaj-156	175	1	debt	debt	NOUN
emaj-156	175	2	out	out	ADP
emaj-156	175	3	of	of	ADP
emaj-156	175	4	control	control	NOUN
emaj-156	175	5	:	:	PUNCT
emaj-156	175	6	the	the	DET
emaj-156	175	7	links	link	NOUN
emaj-156	175	8	between	between	ADP
emaj-156	175	9	self	self	NOUN
emaj-156	175	10	-	-	PUNCT
emaj-156	175	11	control	control	NOUN
emaj-156	175	12	,	,	PUNCT
emaj-156	175	13	compulsive	compulsive	ADJ
emaj-156	175	14	buying	buying	NOUN
emaj-156	175	15	,	,	PUNCT
emaj-156	175	16	and	and	CCONJ
emaj-156	175	17	real	real	ADJ
emaj-156	175	18	debts	debt	NOUN
emaj-156	175	19	.	.	PUNCT
emaj-156	176	1	journal	journal	NOUN
emaj-156	176	2	of	of	ADP
emaj-156	176	3	economic	economic	ADJ
emaj-156	176	4	psychology	psychology	NOUN
emaj-156	176	5	49:141–149	49:141–149	PROPN
emaj-156	176	6	.	.	PUNCT
emaj-156	177	1	armstrong	armstrong	PROPN
emaj-156	177	2	,	,	PUNCT
emaj-156	177	3	d.	d.	PROPN
emaj-156	177	4	,	,	PUNCT
emaj-156	177	5	gosling	gosling	PROPN
emaj-156	177	6	,	,	PUNCT
emaj-156	177	7	a.	a.	NOUN
emaj-156	177	8	,	,	PUNCT
emaj-156	177	9	weinman	weinman	PROPN
emaj-156	177	10	,	,	PUNCT
emaj-156	177	11	j.	j.	PROPN
emaj-156	177	12	,	,	PUNCT
emaj-156	177	13	&	&	CCONJ
emaj-156	177	14	marteau	marteau	PROPN
emaj-156	177	15	,	,	PUNCT
emaj-156	177	16	t.	t.	PROPN
emaj-156	177	17	(	(	PUNCT
emaj-156	177	18	1997	1997	NUM
emaj-156	177	19	)	)	PUNCT
emaj-156	177	20	.	.	PUNCT
emaj-156	178	1	the	the	DET
emaj-156	178	2	place	place	NOUN
emaj-156	178	3	of	of	ADP
emaj-156	178	4	inter	inter	ADJ
emaj-156	178	5	-	-	ADJ
emaj-156	178	6	rater	rater	ADJ
emaj-156	178	7	reliability	reliability	NOUN
emaj-156	178	8	in	in	ADP
emaj-156	178	9	qualitative	qualitative	ADJ
emaj-156	178	10	research	research	NOUN
emaj-156	178	11	:	:	PUNCT
emaj-156	178	12	an	an	DET
emaj-156	178	13	empirical	empirical	ADJ
emaj-156	178	14	study	study	NOUN
emaj-156	178	15	.	.	PUNCT
emaj-156	179	1	sociology	sociology	NOUN
emaj-156	179	2	,	,	PUNCT
emaj-156	179	3	31(3	31(3	NUM
emaj-156	179	4	)	)	PUNCT
emaj-156	179	5	,	,	PUNCT
emaj-156	179	6	p.	p.	NOUN
emaj-156	179	7	597	597	NUM
emaj-156	179	8	-	-	SYM
emaj-156	179	9	606	606	NUM
emaj-156	179	10	.	.	PUNCT
emaj-156	180	1	arya	arya	PROPN
emaj-156	180	2	,	,	PUNCT
emaj-156	180	3	s.	s.	PROPN
emaj-156	180	4	,	,	PUNCT
emaj-156	180	5	eckel	eckel	PROPN
emaj-156	180	6	,	,	PUNCT
emaj-156	180	7	c.	c.	PROPN
emaj-156	180	8	and	and	CCONJ
emaj-156	180	9	wichman	wichman	PROPN
emaj-156	180	10	,	,	PUNCT
emaj-156	180	11	c.	c.	PROPN
emaj-156	180	12	(	(	PUNCT
emaj-156	180	13	2013	2013	NUM
emaj-156	180	14	)	)	PUNCT
emaj-156	180	15	.	.	PUNCT
emaj-156	181	1	anatomy	anatomy	NOUN
emaj-156	181	2	of	of	ADP
emaj-156	181	3	the	the	DET
emaj-156	181	4	credit	credit	NOUN
emaj-156	181	5	score	score	NOUN
emaj-156	181	6	.	.	PUNCT
emaj-156	182	1	journal	journal	NOUN
emaj-156	182	2	of	of	ADP
emaj-156	182	3	economic	economic	ADJ
emaj-156	182	4	behavior	behavior	NOUN
emaj-156	182	5	&	&	CCONJ
emaj-156	182	6	organization	organization	PROPN
emaj-156	182	7	,	,	PUNCT
emaj-156	182	8	95:175	95:175	NUM
emaj-156	182	9	–	–	PUNCT
emaj-156	182	10	185	185	NUM
emaj-156	182	11	.	.	PUNCT
emaj-156	183	1	denzin	denzin	NOUN
emaj-156	183	2	,	,	PUNCT
emaj-156	183	3	n.	n.	PROPN
emaj-156	183	4	k.	k.	PROPN
emaj-156	183	5	(	(	PUNCT
emaj-156	183	6	1978	1978	NUM
emaj-156	183	7	)	)	PUNCT
emaj-156	183	8	.	.	PUNCT
emaj-156	184	1	the	the	DET
emaj-156	184	2	research	research	NOUN
emaj-156	184	3	act	act	PROPN
emaj-156	184	4	:	:	PUNCT
emaj-156	184	5	a	a	DET
emaj-156	184	6	theoretical	theoretical	ADJ
emaj-156	184	7	introduction	introduction	NOUN
emaj-156	184	8	to	to	ADP
emaj-156	184	9	sociological	sociological	ADJ
emaj-156	184	10	methods	method	NOUN
emaj-156	184	11	.	.	PUNCT
emaj-156	185	1	new	new	PROPN
emaj-156	185	2	york	york	PROPN
emaj-156	185	3	:	:	PUNCT
emaj-156	185	4	mcgraw	mcgraw	PROPN
emaj-156	185	5	hill	hill	PROPN
emaj-156	185	6	.	.	PUNCT
emaj-156	186	1	dessart	dessart	PROPN
emaj-156	186	2	&	&	CCONJ
emaj-156	186	3	kuylen	kuylen	PROPN
emaj-156	186	4	(	(	PUNCT
emaj-156	186	5	1986	1986	NUM
emaj-156	186	6	)	)	PUNCT
emaj-156	186	7	.	.	PUNCT
emaj-156	187	1	the	the	DET
emaj-156	187	2	nature	nature	NOUN
emaj-156	187	3	,	,	PUNCT
emaj-156	187	4	extent	extent	NOUN
emaj-156	187	5	,	,	PUNCT
emaj-156	187	6	cause	cause	NOUN
emaj-156	187	7	and	and	CCONJ
emaj-156	187	8	consequence	consequence	NOUN
emaj-156	187	9	of	of	ADP
emaj-156	187	10	problematic	problematic	ADJ
emaj-156	187	11	debt	debt	NOUN
emaj-156	187	12	situations	situation	NOUN
emaj-156	187	13	.	.	PUNCT
emaj-156	188	1	journal	journal	NOUN
emaj-156	188	2	of	of	ADP
emaj-156	188	3	consumer	consumer	NOUN
emaj-156	188	4	policy	policy	NOUN
emaj-156	188	5	,	,	PUNCT
emaj-156	188	6	9	9	NUM
emaj-156	188	7	,	,	PUNCT
emaj-156	188	8	311–334	311–334	NUM
emaj-156	188	9	.	.	PUNCT
emaj-156	189	1	gathergood	gathergood	PROPN
emaj-156	189	2	,	,	PUNCT
emaj-156	189	3	j.	j.	PROPN
emaj-156	189	4	(	(	PUNCT
emaj-156	189	5	2012	2012	NUM
emaj-156	189	6	)	)	PUNCT
emaj-156	189	7	.	.	PUNCT
emaj-156	190	1	self	self	NOUN
emaj-156	190	2	-	-	PUNCT
emaj-156	190	3	control	control	NOUN
emaj-156	190	4	,	,	PUNCT
emaj-156	190	5	financial	financial	ADJ
emaj-156	190	6	literacy	literacy	NOUN
emaj-156	190	7	and	and	CCONJ
emaj-156	190	8	consumer	consumer	NOUN
emaj-156	190	9	over	over	ADP
emaj-156	190	10	-	-	PUNCT
emaj-156	190	11	indebtedness	indebtedness	NOUN
emaj-156	190	12	.	.	PUNCT
emaj-156	191	1	journal	journal	NOUN
emaj-156	191	2	of	of	ADP
emaj-156	191	3	economic	economic	ADJ
emaj-156	191	4	psychology	psychology	NOUN
emaj-156	191	5	33	33	NUM
emaj-156	191	6	:	:	SYM
emaj-156	191	7	590–602	590–602	NUM
emaj-156	191	8	.	.	PUNCT
emaj-156	192	1	harrison	harrison	PROPN
emaj-156	192	2	,	,	PUNCT
emaj-156	192	3	n.	n.	PROPN
emaj-156	192	4	,	,	PUNCT
emaj-156	192	5	agnew	agnew	PROPN
emaj-156	192	6	,	,	PUNCT
emaj-156	192	7	s.	s.	PROPN
emaj-156	192	8	serido	serido	PROPN
emaj-156	192	9	,	,	PUNCT
emaj-156	192	10	j.	j.	PROPN
emaj-156	192	11	(	(	PUNCT
emaj-156	192	12	2015	2015	NUM
emaj-156	192	13	)	)	PUNCT
emaj-156	192	14	.	.	PUNCT
emaj-156	193	1	attitudes	attitude	NOUN
emaj-156	193	2	to	to	ADP
emaj-156	193	3	debt	debt	NOUN
emaj-156	193	4	among	among	ADP
emaj-156	193	5	indebted	indebted	ADJ
emaj-156	193	6	undergraduates	undergraduate	NOUN
emaj-156	193	7	:	:	PUNCT
emaj-156	193	8	a	a	DET
emaj-156	193	9	crossnational	crossnational	ADJ
emaj-156	193	10	exploratory	exploratory	ADJ
emaj-156	193	11	factor	factor	NOUN
emaj-156	193	12	analysis	analysis	NOUN
emaj-156	193	13	.	.	PUNCT
emaj-156	194	1	journal	journal	NOUN
emaj-156	194	2	of	of	ADP
emaj-156	194	3	economic	economic	ADJ
emaj-156	194	4	psychology	psychology	NOUN
emaj-156	194	5	,	,	PUNCT
emaj-156	194	6	46	46	NUM
emaj-156	194	7	:	:	SYM
emaj-156	194	8	62	62	NUM
emaj-156	194	9	-	-	SYM
emaj-156	194	10	73	73	NUM
emaj-156	194	11	.	.	PUNCT
emaj-156	195	1	hofstede	hofstede	PROPN
emaj-156	195	2	,	,	PUNCT
emaj-156	195	3	g.	g.	PROPN
emaj-156	195	4	(	(	PUNCT
emaj-156	195	5	1980	1980	NUM
emaj-156	195	6	)	)	PUNCT
emaj-156	195	7	.	.	PUNCT
emaj-156	196	1	culture	culture	NOUN
emaj-156	196	2	and	and	CCONJ
emaj-156	196	3	organizations	organization	NOUN
emaj-156	196	4	.	.	PUNCT
emaj-156	197	1	international	international	ADJ
emaj-156	197	2	studies	study	NOUN
emaj-156	197	3	of	of	ADP
emaj-156	197	4	management	management	NOUN
emaj-156	197	5	&	&	CCONJ
emaj-156	197	6	organization	organization	PROPN
emaj-156	197	7	,	,	PUNCT
emaj-156	197	8	10(4	10(4	NUM
emaj-156	197	9	)	)	PUNCT
emaj-156	197	10	,	,	PUNCT
emaj-156	197	11	15	15	NUM
emaj-156	197	12	-	-	SYM
emaj-156	197	13	41	41	NUM
emaj-156	197	14	.	.	PUNCT
emaj-156	198	1	jick	jick	PROPN
emaj-156	198	2	,	,	PUNCT
emaj-156	198	3	t.	t.	PROPN
emaj-156	198	4	d.	d.	PROPN
emaj-156	198	5	(	(	PUNCT
emaj-156	198	6	1979	1979	NUM
emaj-156	198	7	)	)	PUNCT
emaj-156	198	8	.	.	PUNCT
emaj-156	199	1	mixing	mix	VERB
emaj-156	199	2	qualitative	qualitative	ADJ
emaj-156	199	3	and	and	CCONJ
emaj-156	199	4	quantitative	quantitative	ADJ
emaj-156	199	5	methods	method	NOUN
emaj-156	199	6	:	:	PUNCT
emaj-156	199	7	triangulation	triangulation	NOUN
emaj-156	199	8	in	in	ADP
emaj-156	199	9	action	action	NOUN
emaj-156	199	10	.	.	PUNCT
emaj-156	200	1	administrative	administrative	ADJ
emaj-156	200	2	science	science	PROPN
emaj-156	200	3	quarterly	quarterly	ADV
emaj-156	200	4	,	,	PUNCT
emaj-156	200	5	24(4	24(4	NOUN
emaj-156	200	6	)	)	PUNCT
emaj-156	200	7	,	,	PUNCT
emaj-156	200	8	p.	p.	NOUN
emaj-156	200	9	602	602	NUM
emaj-156	200	10	-	-	SYM
emaj-156	200	11	611	611	NUM
emaj-156	200	12	.	.	PUNCT
emaj-156	201	1	kamleitner	kamleitner	NOUN
emaj-156	201	2	,	,	PUNCT
emaj-156	201	3	b.	b.	PROPN
emaj-156	201	4	,	,	PUNCT
emaj-156	201	5	hoelzl	hoelzl	PROPN
emaj-156	201	6	,	,	PUNCT
emaj-156	201	7	e.	e.	PROPN
emaj-156	201	8	and	and	CCONJ
emaj-156	201	9	kirchler	kirchler	PROPN
emaj-156	201	10	,	,	PUNCT
emaj-156	201	11	e.	e.	PROPN
emaj-156	201	12	(	(	PUNCT
emaj-156	201	13	2012	2012	NUM
emaj-156	201	14	)	)	PUNCT
emaj-156	201	15	,	,	PUNCT
emaj-156	201	16	credit	credit	NOUN
emaj-156	201	17	use	use	NOUN
emaj-156	201	18	:	:	PUNCT
emaj-156	201	19	psychological	psychological	ADJ
emaj-156	201	20	perspectives	perspective	NOUN
emaj-156	201	21	on	on	ADP
emaj-156	201	22	a	a	DET
emaj-156	201	23	multifaceted	multifaceted	ADJ
emaj-156	201	24	phenomenon	phenomenon	NOUN
emaj-156	201	25	.	.	PUNCT
emaj-156	202	1	international	international	ADJ
emaj-156	202	2	journal	journal	PROPN
emaj-156	202	3	of	of	ADP
emaj-156	202	4	psychology	psychology	NOUN
emaj-156	202	5	,	,	PUNCT
emaj-156	202	6	vol.47	vol.47	PROPN
emaj-156	202	7	,	,	PUNCT
emaj-156	202	8	issue1	issue1	ADV
emaj-156	202	9	,	,	PUNCT
emaj-156	202	10	pp.1	pp.1	PROPN
emaj-156	202	11	-	-	PUNCT
emaj-156	202	12	27	27	NUM
emaj-156	202	13	.	.	PUNCT
emaj-156	203	1	kaptan	kaptan	PROPN
emaj-156	203	2	,	,	PUNCT
emaj-156	203	3	özgür	özgür	PROPN
emaj-156	203	4	burak	burak	PROPN
emaj-156	203	5	(	(	PUNCT
emaj-156	203	6	2011	2011	NUM
emaj-156	203	7	)	)	PUNCT
emaj-156	203	8	,	,	PUNCT
emaj-156	203	9	bireysel	bireysel	NOUN
emaj-156	203	10	kredilerin	kredilerin	PROPN
emaj-156	203	11	risk	risk	VERB
emaj-156	203	12	ve	ve	AUX
emaj-156	203	13	tüketici	tüketici	VERB
emaj-156	203	14	davranışı	davranışı	PROPN
emaj-156	203	15	açısından	açısından	PROPN
emaj-156	203	16	analizi	analizi	PROPN
emaj-156	203	17	,	,	PUNCT
emaj-156	203	18	doktora	doktora	NOUN
emaj-156	203	19	tezi	tezi	NOUN
emaj-156	203	20	,	,	PUNCT
emaj-156	203	21	ankara	ankara	PROPN
emaj-156	203	22	üniversitesi	üniversitesi	PROPN
emaj-156	203	23	/	/	SYM
emaj-156	203	24	sosyal	sosyal	PROPN
emaj-156	203	25	bilimler	bilimler	PROPN
emaj-156	203	26	enstitüsü	enstitüsü	PROPN
emaj-156	203	27	/	/	PUNCT
emaj-156	203	28	i̇şletme	i̇şletme	VERB
emaj-156	203	29	anabilim	anabilim	PROPN
emaj-156	203	30	dalı	dalı	NOUN
emaj-156	203	31	,	,	PUNCT
emaj-156	203	32	ankara	ankara	PROPN
emaj-156	203	33	.	.	PUNCT
emaj-156	204	1	kitzinger	kitzinger	NOUN
emaj-156	204	2	,	,	PUNCT
emaj-156	204	3	jenny	jenny	PROPN
emaj-156	204	4	(	(	PUNCT
emaj-156	204	5	1995).qualitative	1995).qualitative	NUM
emaj-156	204	6	research	research	NOUN
emaj-156	204	7	:	:	PUNCT
emaj-156	204	8	introducing	introduce	VERB
emaj-156	204	9	focus	focus	NOUN
emaj-156	204	10	groups	group	NOUN
emaj-156	204	11	.	.	PUNCT
emaj-156	205	1	bmj	bmj	PROPN
emaj-156	205	2	(	(	PUNCT
emaj-156	205	3	clinical	clinical	ADJ
emaj-156	205	4	research	research	NOUN
emaj-156	205	5	ed	ed	NOUN
emaj-156	205	6	.	.	PUNCT
emaj-156	205	7	)	)	PUNCT
emaj-156	205	8	,	,	PUNCT
emaj-156	205	9	311	311	NUM
emaj-156	205	10	:	:	PUNCT
emaj-156	205	11	299	299	NUM
emaj-156	205	12	-	-	SYM
emaj-156	205	13	302	302	NUM
emaj-156	205	14	.	.	PUNCT
emaj-156	206	1	lea	lea	PROPN
emaj-156	206	2	,	,	PUNCT
emaj-156	206	3	e.	e.	PROPN
emaj-156	206	4	g.	g.	PROPN
emaj-156	206	5	s.	s.	PROPN
emaj-156	206	6	,	,	PUNCT
emaj-156	206	7	webley	webley	PROPN
emaj-156	206	8	,	,	PUNCT
emaj-156	206	9	p.	p.	PROPN
emaj-156	206	10	,	,	PUNCT
emaj-156	206	11	&	&	CCONJ
emaj-156	206	12	levine	levine	PROPN
emaj-156	206	13	,	,	PUNCT
emaj-156	206	14	r.	r.	PROPN
emaj-156	206	15	m.	m.	PROPN
emaj-156	206	16	(	(	PUNCT
emaj-156	206	17	1993	1993	NUM
emaj-156	206	18	)	)	PUNCT
emaj-156	206	19	.	.	PUNCT
emaj-156	207	1	the	the	DET
emaj-156	207	2	economic	economic	ADJ
emaj-156	207	3	psychology	psychology	NOUN
emaj-156	207	4	of	of	ADP
emaj-156	207	5	consumer	consumer	NOUN
emaj-156	207	6	debt	debt	NOUN
emaj-156	207	7	.	.	PUNCT
emaj-156	208	1	journal	journal	NOUN
emaj-156	208	2	of	of	ADP
emaj-156	208	3	economic	economic	ADJ
emaj-156	208	4	psychology	psychology	NOUN
emaj-156	208	5	,	,	PUNCT
emaj-156	208	6	14	14	NUM
emaj-156	208	7	,	,	PUNCT
emaj-156	208	8	85–119	85–119	PROPN
emaj-156	208	9	.	.	PUNCT
emaj-156	208	10	lea	lea	PROPN
emaj-156	208	11	,	,	PUNCT
emaj-156	208	12	s.	s.	PROPN
emaj-156	208	13	e.	e.	PROPN
emaj-156	208	14	,	,	PUNCT
emaj-156	208	15	webley	webley	PROPN
emaj-156	208	16	,	,	PUNCT
emaj-156	208	17	p.	p.	PROPN
emaj-156	208	18	,	,	PUNCT
emaj-156	208	19	&	&	CCONJ
emaj-156	208	20	walker	walker	PROPN
emaj-156	208	21	,	,	PUNCT
emaj-156	208	22	c.	c.	PROPN
emaj-156	208	23	m.	m.	NOUN
emaj-156	208	24	(	(	PUNCT
emaj-156	208	25	1995	1995	NUM
emaj-156	208	26	)	)	PUNCT
emaj-156	208	27	.	.	PUNCT
emaj-156	209	1	psychological	psychological	ADJ
emaj-156	209	2	factors	factor	NOUN
emaj-156	209	3	in	in	ADP
emaj-156	209	4	consumer	consumer	NOUN
emaj-156	209	5	debt	debt	NOUN
emaj-156	209	6	:	:	PUNCT
emaj-156	209	7	money	money	NOUN
emaj-156	209	8	management	management	NOUN
emaj-156	209	9	,	,	PUNCT
emaj-156	209	10	economic	economic	ADJ
emaj-156	209	11	socialization	socialization	NOUN
emaj-156	209	12	,	,	PUNCT
emaj-156	209	13	and	and	CCONJ
emaj-156	209	14	credit	credit	NOUN
emaj-156	209	15	use	use	NOUN
emaj-156	209	16	.	.	PUNCT
emaj-156	210	1	journal	journal	NOUN
emaj-156	210	2	of	of	ADP
emaj-156	210	3	economic	economic	ADJ
emaj-156	210	4	psychology	psychology	NOUN
emaj-156	210	5	,	,	PUNCT
emaj-156	210	6	16(4	16(4	NUM
emaj-156	210	7	)	)	PUNCT
emaj-156	210	8	,	,	PUNCT
emaj-156	210	9	681701	681701	NUM
emaj-156	210	10	.	.	PUNCT
emaj-156	211	1	livingstone	livingstone	PROPN
emaj-156	211	2	,	,	PUNCT
emaj-156	211	3	m.	m.	NOUN
emaj-156	211	4	s.	s.	PROPN
emaj-156	211	5	,	,	PUNCT
emaj-156	211	6	&	&	CCONJ
emaj-156	211	7	lunt	lunt	PROPN
emaj-156	211	8	,	,	PUNCT
emaj-156	211	9	k.	k.	PROPN
emaj-156	212	1	p.	p.	PROPN
emaj-156	212	2	(	(	PUNCT
emaj-156	212	3	1992	1992	NUM
emaj-156	212	4	)	)	PUNCT
emaj-156	212	5	.	.	PUNCT
emaj-156	213	1	predicting	predict	VERB
emaj-156	213	2	personal	personal	ADJ
emaj-156	213	3	debt	debt	NOUN
emaj-156	213	4	and	and	CCONJ
emaj-156	213	5	debt	debt	NOUN
emaj-156	213	6	repayment	repayment	NOUN
emaj-156	213	7	:	:	PUNCT
emaj-156	213	8	psychological	psychological	ADJ
emaj-156	213	9	,	,	PUNCT
emaj-156	213	10	social	social	ADJ
emaj-156	213	11	and	and	CCONJ
emaj-156	213	12	economic	economic	ADJ
emaj-156	213	13	determinants	determinant	NOUN
emaj-156	213	14	.	.	PUNCT
emaj-156	214	1	journal	journal	NOUN
emaj-156	214	2	of	of	ADP
emaj-156	214	3	economic	economic	ADJ
emaj-156	214	4	psychology	psychology	NOUN
emaj-156	214	5	,	,	PUNCT
emaj-156	214	6	13(1	13(1	NUM
emaj-156	214	7	)	)	PUNCT
emaj-156	214	8	,	,	PUNCT
emaj-156	214	9	111–134	111–134	NUM
emaj-156	214	10	.	.	PUNCT
emaj-156	215	1	lusardi	lusardi	PROPN
emaj-156	215	2	,	,	PUNCT
emaj-156	215	3	a.	a.	NOUN
emaj-156	215	4	and	and	CCONJ
emaj-156	215	5	tufano	tufano	ADJ
emaj-156	215	6	,	,	PUNCT
emaj-156	215	7	p.	p.	NOUN
emaj-156	215	8	(	(	PUNCT
emaj-156	215	9	2009	2009	NUM
emaj-156	215	10	)	)	PUNCT
emaj-156	215	11	.	.	PUNCT
emaj-156	216	1	debt	debt	NOUN
emaj-156	216	2	literacy	literacy	NOUN
emaj-156	216	3	,	,	PUNCT
emaj-156	216	4	financial	financial	ADJ
emaj-156	216	5	experiences	experience	NOUN
emaj-156	216	6	,	,	PUNCT
emaj-156	216	7	and	and	CCONJ
emaj-156	216	8	overindebtedness	overindebtedness	NOUN
emaj-156	216	9	,	,	PUNCT
emaj-156	216	10	cfs	cfs	PROPN
emaj-156	216	11	working	working	PROPN
emaj-156	216	12	paper	paper	NOUN
emaj-156	216	13	,	,	PUNCT
emaj-156	216	14	no	no	INTJ
emaj-156	216	15	.	.	PUNCT
emaj-156	217	1	2009/08	2009/08	NUM
emaj-156	217	2	,	,	PUNCT
emaj-156	217	3	(	(	PUNCT
emaj-156	217	4	http://nbnresolving.de/urn:nbn:de:hebis:30-63796	http://nbnresolving.de/urn:nbn:de:hebis:30-63796	NOUN
emaj-156	217	5	)	)	PUNCT
emaj-156	217	6	mccrae	mccrae	PROPN
emaj-156	217	7	,	,	PUNCT
emaj-156	217	8	r.	r.	PROPN
emaj-156	217	9	r.	r.	PROPN
emaj-156	217	10	,	,	PUNCT
emaj-156	217	11	&	&	CCONJ
emaj-156	217	12	costa	costa	PROPN
emaj-156	217	13	,	,	PUNCT
emaj-156	217	14	p.	p.	NOUN
emaj-156	217	15	t.	t.	PROPN
emaj-156	217	16	(	(	PUNCT
emaj-156	217	17	1987	1987	NUM
emaj-156	217	18	)	)	PUNCT
emaj-156	217	19	.	.	PUNCT
emaj-156	218	1	validation	validation	NOUN
emaj-156	218	2	of	of	ADP
emaj-156	218	3	the	the	DET
emaj-156	218	4	five	five	NUM
emaj-156	218	5	-	-	PUNCT
emaj-156	218	6	factor	factor	NOUN
emaj-156	218	7	model	model	NOUN
emaj-156	218	8	of	of	ADP
emaj-156	218	9	personality	personality	NOUN
emaj-156	218	10	across	across	ADP
emaj-156	218	11	instruments	instrument	NOUN
emaj-156	218	12	and	and	CCONJ
emaj-156	218	13	observers	observer	NOUN
emaj-156	218	14	.	.	PUNCT
emaj-156	219	1	journal	journal	NOUN
emaj-156	219	2	of	of	ADP
emaj-156	219	3	personality	personality	NOUN
emaj-156	219	4	and	and	CCONJ
emaj-156	219	5	social	social	ADJ
emaj-156	219	6	psychology	psychology	NOUN
emaj-156	219	7	,	,	PUNCT
emaj-156	219	8	52(1	52(1	NOUN
emaj-156	219	9	)	)	PUNCT
emaj-156	219	10	,	,	PUNCT
emaj-156	220	1	81	81	NUM
emaj-156	220	2	.	.	PUNCT
emaj-156	220	3	mewse	mewse	PROPN
emaj-156	220	4	,	,	PUNCT
emaj-156	220	5	a.j	a.j	PROPN
emaj-156	220	6	.	.	PROPN
emaj-156	220	7	,	,	PUNCT
emaj-156	220	8	lea	lea	PROPN
emaj-156	220	9	,	,	PUNCT
emaj-156	220	10	s.e.g	s.e.g	NOUN
emaj-156	220	11	.	.	PUNCT
emaj-156	220	12	and	and	CCONJ
emaj-156	220	13	wrapson	wrapson	NOUN
emaj-156	220	14	,	,	PUNCT
emaj-156	220	15	w.	w.	NOUN
emaj-156	220	16	(	(	PUNCT
emaj-156	220	17	2010	2010	NUM
emaj-156	220	18	)	)	PUNCT
emaj-156	220	19	,	,	PUNCT
emaj-156	220	20	first	first	ADV
emaj-156	220	21	steps	step	NOUN
emaj-156	220	22	out	out	ADP
emaj-156	220	23	of	of	ADP
emaj-156	220	24	debt	debt	NOUN
emaj-156	220	25	:	:	PUNCT
emaj-156	220	26	attitudes	attitude	NOUN
emaj-156	220	27	and	and	CCONJ
emaj-156	220	28	social	social	ADJ
emaj-156	220	29	identity	identity	NOUN
emaj-156	220	30	as	as	ADP
emaj-156	220	31	predictors	predictor	NOUN
emaj-156	220	32	of	of	ADP
emaj-156	220	33	contact	contact	NOUN
emaj-156	220	34	by	by	ADP
emaj-156	220	35	debtors	debtor	NOUN
emaj-156	220	36	with	with	ADP
emaj-156	220	37	creditors	creditor	NOUN
emaj-156	220	38	.	.	PUNCT
emaj-156	221	1	journal	journal	NOUN
emaj-156	221	2	of	of	ADP
emaj-156	221	3	economic	economic	ADJ
emaj-156	221	4	psychology	psychology	NOUN
emaj-156	221	5	31:1021–1034	31:1021–1034	NUM
emaj-156	221	6	.	.	PUNCT
emaj-156	222	1	miles	mile	NOUN
emaj-156	222	2	,	,	PUNCT
emaj-156	222	3	m.	m.	PROPN
emaj-156	222	4	b.	b.	PROPN
emaj-156	222	5	,	,	PUNCT
emaj-156	222	6	&	&	CCONJ
emaj-156	222	7	huberman	huberman	NOUN
emaj-156	222	8	,	,	PUNCT
emaj-156	222	9	a.	a.	NOUN
emaj-156	222	10	m.	m.	NOUN
emaj-156	222	11	(	(	PUNCT
emaj-156	222	12	1984	1984	NUM
emaj-156	222	13	)	)	PUNCT
emaj-156	222	14	.	.	PUNCT
emaj-156	223	1	drawing	draw	VERB
emaj-156	223	2	valid	valid	ADJ
emaj-156	223	3	meaning	meaning	NOUN
emaj-156	223	4	from	from	ADP
emaj-156	223	5	qualitative	qualitative	ADJ
emaj-156	223	6	data	datum	NOUN
emaj-156	223	7	:	:	PUNCT
emaj-156	223	8	toward	toward	ADP
emaj-156	223	9	a	a	DET
emaj-156	223	10	shared	share	VERB
emaj-156	223	11	craft	craft	NOUN
emaj-156	223	12	.	.	PUNCT
emaj-156	224	1	educational	educational	ADJ
emaj-156	224	2	researcher	researcher	NOUN
emaj-156	224	3	,	,	PUNCT
emaj-156	224	4	13(5	13(5	NUM
emaj-156	224	5	)	)	PUNCT
emaj-156	224	6	,	,	PUNCT
emaj-156	224	7	20	20	NUM
emaj-156	224	8	-	-	SYM
emaj-156	224	9	30	30	NUM
emaj-156	224	10	.	.	PUNCT
emaj-156	225	1	norvilitis	norvilitis	PROPN
emaj-156	225	2	,	,	PUNCT
emaj-156	225	3	m.	m.	NOUN
emaj-156	225	4	j.	j.	PROPN
emaj-156	225	5	,	,	PUNCT
emaj-156	225	6	merwin	merwin	PROPN
emaj-156	225	7	,	,	PUNCT
emaj-156	225	8	m.	m.	NOUN
emaj-156	225	9	m.	m.	NOUN
emaj-156	225	10	,	,	PUNCT
emaj-156	225	11	roehling	roehling	NOUN
emaj-156	225	12	,	,	PUNCT
emaj-156	225	13	v.	v.	PROPN
emaj-156	225	14	p.	p.	PROPN
emaj-156	225	15	,	,	PUNCT
emaj-156	225	16	young	young	ADJ
emaj-156	225	17	,	,	PUNCT
emaj-156	225	18	p.	p.	NOUN
emaj-156	225	19	,	,	PUNCT
emaj-156	225	20	&	&	CCONJ
emaj-156	225	21	kamas	kamas	PROPN
emaj-156	225	22	,	,	PUNCT
emaj-156	225	23	m.	m.	NOUN
emaj-156	225	24	m.	m.	NOUN
emaj-156	225	25	(	(	PUNCT
emaj-156	225	26	2006	2006	NUM
emaj-156	225	27	)	)	PUNCT
emaj-156	225	28	.	.	PUNCT
emaj-156	226	1	personality	personality	NOUN
emaj-156	226	2	factors	factor	NOUN
emaj-156	226	3	,	,	PUNCT
emaj-156	226	4	money	money	NOUN
emaj-156	226	5	attitudes	attitude	NOUN
emaj-156	226	6	,	,	PUNCT
emaj-156	226	7	financial	financial	ADJ
emaj-156	226	8	knowledge	knowledge	NOUN
emaj-156	226	9	,	,	PUNCT
emaj-156	226	10	and	and	CCONJ
emaj-156	226	11	credit	credit	NOUN
emaj-156	226	12	-	-	PUNCT
emaj-156	226	13	card	card	NOUN
emaj-156	226	14	debt	debt	NOUN
emaj-156	226	15	in	in	ADP
emaj-156	226	16	college	college	NOUN
emaj-156	226	17	students	student	NOUN
emaj-156	226	18	.	.	PUNCT
emaj-156	227	1	journal	journal	PROPN
emaj-156	227	2	of	of	ADP
emaj-156	227	3	applied	apply	VERB
emaj-156	227	4	social	social	ADJ
emaj-156	227	5	psychology	psychology	NOUN
emaj-156	227	6	,	,	PUNCT
emaj-156	227	7	36(6	36(6	NUM
emaj-156	227	8	)	)	PUNCT
emaj-156	227	9	,	,	PUNCT
emaj-156	227	10	1395–1413	1395–1413	NUM
emaj-156	227	11	.	.	PUNCT
emaj-156	228	1	nyhus	nyhus	PROPN
emaj-156	228	2	,	,	PUNCT
emaj-156	228	3	e.	e.	PROPN
emaj-156	228	4	k.	k.	PROPN
emaj-156	228	5	,	,	PUNCT
emaj-156	228	6	&	&	CCONJ
emaj-156	228	7	webley	webley	PROPN
emaj-156	228	8	,	,	PUNCT
emaj-156	228	9	p.	p.	NOUN
emaj-156	228	10	(	(	PUNCT
emaj-156	228	11	2001	2001	NUM
emaj-156	228	12	)	)	PUNCT
emaj-156	228	13	.	.	PUNCT
emaj-156	229	1	the	the	DET
emaj-156	229	2	role	role	NOUN
emaj-156	229	3	of	of	ADP
emaj-156	229	4	personality	personality	NOUN
emaj-156	229	5	in	in	ADP
emaj-156	229	6	household	household	NOUN
emaj-156	229	7	saving	saving	NOUN
emaj-156	229	8	and	and	CCONJ
emaj-156	229	9	borrowing	borrowing	NOUN
emaj-156	229	10	behaviour	behaviour	NOUN
emaj-156	229	11	.	.	PUNCT
emaj-156	230	1	european	european	PROPN
emaj-156	230	2	journal	journal	PROPN
emaj-156	230	3	of	of	ADP
emaj-156	230	4	personality	personality	NOUN
emaj-156	230	5	,	,	PUNCT
emaj-156	230	6	15(s1	15(s1	NUM
emaj-156	230	7	)	)	PUNCT
emaj-156	230	8	,	,	PUNCT
emaj-156	230	9	s85	s85	PROPN
emaj-156	230	10	-	-	PUNCT
emaj-156	230	11	s103	s103	PROPN
emaj-156	230	12	.	.	PROPN
emaj-156	231	1	özkan	özkan	PROPN
emaj-156	231	2	,	,	PUNCT
emaj-156	231	3	canan	canan	PROPN
emaj-156	231	4	(	(	PUNCT
emaj-156	231	5	2014	2014	NUM
emaj-156	231	6	)	)	PUNCT
emaj-156	231	7	,	,	PUNCT
emaj-156	231	8	türkiye’de	türkiye’de	PROPN
emaj-156	231	9	kredi	kredi	PROPN
emaj-156	231	10	kartı	kartı	PROPN
emaj-156	231	11	kullanıcı	kullanıcı	PROPN
emaj-156	231	12	profili	profili	PROPN
emaj-156	231	13	ve	ve	PROPN
emaj-156	231	14	davranışı	davranışı	NOUN
emaj-156	231	15	analizi	analizi	PROPN
emaj-156	231	16	,	,	PUNCT
emaj-156	231	17	uzmanlık	uzmanlık	ADJ
emaj-156	231	18	yeterlilik	yeterlilik	PROPN
emaj-156	231	19	tezi	tezi	NOUN
emaj-156	231	20	,	,	PUNCT
emaj-156	231	21	türkiye	türkiye	PROPN
emaj-156	231	22	cumhuriyet	cumhuriyet	PROPN
emaj-156	231	23	merkez	merkez	VERB
emaj-156	231	24	bankası	bankası	PROPN
emaj-156	231	25	bankacılık	bankacılık	NOUN
emaj-156	231	26	ve	ve	VERB
emaj-156	231	27	finansal	finansal	PROPN
emaj-156	231	28	kuruluşlar	kuruluşlar	PROPN
emaj-156	231	29	genel	genel	PROPN
emaj-156	231	30	müdürlüğü	müdürlüğü	PROPN
emaj-156	231	31	,	,	PUNCT
emaj-156	231	32	ankara	ankara	PROPN
emaj-156	231	33	.	.	PUNCT
emaj-156	232	1	robb	robb	PROPN
emaj-156	232	2	,	,	PUNCT
emaj-156	232	3	a.	a.	PROPN
emaj-156	232	4	c.	c.	PROPN
emaj-156	232	5	,	,	PUNCT
emaj-156	232	6	&	&	CCONJ
emaj-156	232	7	sharpe	sharpe	PROPN
emaj-156	232	8	,	,	PUNCT
emaj-156	232	9	d.	d.	PROPN
emaj-156	232	10	l.	l.	PROPN
emaj-156	232	11	(	(	PUNCT
emaj-156	232	12	2009	2009	NUM
emaj-156	232	13	)	)	PUNCT
emaj-156	232	14	.	.	PUNCT
emaj-156	233	1	effect	effect	NOUN
emaj-156	233	2	of	of	ADP
emaj-156	233	3	personal	personal	ADJ
emaj-156	233	4	financial	financial	ADJ
emaj-156	233	5	knowledge	knowledge	NOUN
emaj-156	233	6	on	on	ADP
emaj-156	233	7	college	college	NOUN
emaj-156	233	8	students	student	NOUN
emaj-156	233	9	’	’	PART
emaj-156	233	10	credit	credit	NOUN
emaj-156	233	11	card	card	NOUN
emaj-156	233	12	behavior	behavior	NOUN
emaj-156	233	13	.	.	PUNCT
emaj-156	234	1	journal	journal	PROPN
emaj-156	234	2	of	of	ADP
emaj-156	234	3	financial	financial	ADJ
emaj-156	234	4	counseling	counseling	NOUN
emaj-156	234	5	and	and	CCONJ
emaj-156	234	6	planning	planning	NOUN
emaj-156	234	7	,	,	PUNCT
emaj-156	234	8	20(1	20(1	NUM
emaj-156	234	9	)	)	PUNCT
emaj-156	234	10	,	,	PUNCT
emaj-156	234	11	25–34	25–34	NUM
emaj-156	234	12	.	.	PUNCT
emaj-156	235	1	http://nbn-resolving.de/urn:nbn:de:hebis:30-63796	http://nbn-resolving.de/urn:nbn:de:hebis:30-63796	NOUN
emaj-156	235	2	http://nbn-resolving.de/urn:nbn:de:hebis:30-63796	http://nbn-resolving.de/urn:nbn:de:hebis:30-63796	NOUN
emaj-156	235	3	volume	volume	NOUN
emaj-156	235	4	8	8	NUM
emaj-156	235	5	no	no	DET
emaj-156	235	6	2	2	NUM
emaj-156	235	7	(	(	PUNCT
emaj-156	235	8	2018	2018	NUM
emaj-156	235	9	)	)	PUNCT
emaj-156	235	10	|	|	ADV
emaj-156	235	11	issn	issn	VERB
emaj-156	235	12	2158	2158	NUM
emaj-156	235	13	-	-	SYM
emaj-156	235	14	8708	8708	NUM
emaj-156	235	15	(	(	PUNCT
emaj-156	235	16	online	online	NOUN
emaj-156	235	17	)	)	PUNCT
emaj-156	235	18	|	|	ADV
emaj-156	235	19	doi	doi	X
emaj-156	235	20	10.5195	10.5195	NUM
emaj-156	235	21	/	/	SYM
emaj-156	235	22	emaj.2018.156	emaj.2018.156	PROPN
emaj-156	235	23	|	|	ADV
emaj-156	235	24	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-156	235	25	mehtap	mehtap	ADJ
emaj-156	235	26	özşahin	özşahin	NOUN
emaj-156	235	27	,	,	PUNCT
emaj-156	235	28	senay	senay	NOUN
emaj-156	235	29	yürür	yürür	NOUN
emaj-156	235	30	,	,	PUNCT
emaj-156	235	31	erman	erman	PROPN
emaj-156	235	32	coşkun	coşkun	PROPN
emaj-156	235	33	emerging	emerge	VERB
emaj-156	235	34	markets	market	NOUN
emaj-156	235	35	journal	journal	NOUN
emaj-156	235	36	|	|	ADV
emaj-156	235	37	p	p	NOUN
emaj-156	235	38	a	a	DET
emaj-156	235	39	g	g	NOUN
emaj-156	235	40	e	e	NOUN
emaj-156	235	41	|33	|33	NOUN
emaj-156	235	42	rogers	roger	NOUN
emaj-156	235	43	,	,	PUNCT
emaj-156	235	44	p.	p.	PROPN
emaj-156	235	45	,	,	PUNCT
emaj-156	235	46	rogers	rogers	PROPN
emaj-156	235	47	,	,	PUNCT
emaj-156	235	48	d.	d.	PROPN
emaj-156	235	49	and	and	CCONJ
emaj-156	235	50	securato	securato	PROPN
emaj-156	235	51	,	,	PUNCT
emaj-156	235	52	j.r	j.r	PROPN
emaj-156	235	53	.	.	PROPN
emaj-156	235	54	(	(	PUNCT
emaj-156	235	55	2015	2015	NUM
emaj-156	235	56	)	)	PUNCT
emaj-156	235	57	.	.	PUNCT
emaj-156	236	1	about	about	ADP
emaj-156	236	2	psychological	psychological	ADJ
emaj-156	236	3	variables	variable	NOUN
emaj-156	236	4	in	in	ADP
emaj-156	236	5	application	application	NOUN
emaj-156	236	6	scoring	scoring	NOUN
emaj-156	236	7	models	model	NOUN
emaj-156	236	8	.	.	PUNCT
emaj-156	237	1	revista	revista	PROPN
emaj-156	237	2	de	de	PROPN
emaj-156	237	3	administracao	administracao	PROPN
emaj-156	237	4	de	de	PROPN
emaj-156	237	5	empresas	empresas	PROPN
emaj-156	237	6	,	,	PUNCT
emaj-156	237	7	55	55	NUM
emaj-156	237	8	(	(	PUNCT
emaj-156	237	9	1	1	NUM
emaj-156	237	10	):	):	PUNCT
emaj-156	237	11	38	38	NUM
emaj-156	237	12	-	-	SYM
emaj-156	237	13	49	49	NUM
emaj-156	237	14	.	.	PUNCT
emaj-156	238	1	shuchman	shuchman	NOUN
emaj-156	238	2	,	,	PUNCT
emaj-156	238	3	p.	p.	NOUN
emaj-156	238	4	,	,	PUNCT
emaj-156	238	5	1983	1983	NUM
emaj-156	238	6	.	.	PUNCT
emaj-156	239	1	the	the	DET
emaj-156	239	2	average	average	ADJ
emaj-156	239	3	bankrupt	bankrupt	NOUN
emaj-156	239	4	:	:	PUNCT
emaj-156	239	5	a	a	DET
emaj-156	239	6	description	description	NOUN
emaj-156	239	7	and	and	CCONJ
emaj-156	239	8	analysis	analysis	NOUN
emaj-156	239	9	of	of	ADP
emaj-156	239	10	753	753	NUM
emaj-156	239	11	personal	personal	ADJ
emaj-156	239	12	bankruptcy	bankruptcy	NOUN
emaj-156	239	13	filings	filing	NOUN
emaj-156	239	14	in	in	ADP
emaj-156	239	15	nine	nine	NUM
emaj-156	239	16	states	state	NOUN
emaj-156	239	17	.	.	PUNCT
emaj-156	240	1	commercial	commercial	ADJ
emaj-156	240	2	law	law	NOUN
emaj-156	240	3	journal	journal	NOUN
emaj-156	240	4	,	,	PUNCT
emaj-156	240	5	288	288	NUM
emaj-156	240	6	-	-	SYM
emaj-156	240	7	307	307	NUM
emaj-156	240	8	.	.	PUNCT
emaj-156	241	1	spector	spector	NOUN
emaj-156	241	2	,	,	PUNCT
emaj-156	241	3	p.	p.	PROPN
emaj-156	241	4	e.	e.	PROPN
emaj-156	241	5	(	(	PUNCT
emaj-156	241	6	1982	1982	NUM
emaj-156	241	7	)	)	PUNCT
emaj-156	241	8	.	.	PUNCT
emaj-156	242	1	behavior	behavior	NOUN
emaj-156	242	2	in	in	ADP
emaj-156	242	3	organizations	organization	NOUN
emaj-156	242	4	as	as	ADP
emaj-156	242	5	a	a	DET
emaj-156	242	6	function	function	NOUN
emaj-156	242	7	of	of	ADP
emaj-156	242	8	employee	employee	NOUN
emaj-156	242	9	's	's	PART
emaj-156	242	10	locus	locus	NOUN
emaj-156	242	11	of	of	ADP
emaj-156	242	12	control	control	NOUN
emaj-156	242	13	.	.	PUNCT
emaj-156	243	1	psychological	psychological	ADJ
emaj-156	243	2	bulletin	bulletin	NOUN
emaj-156	243	3	,	,	PUNCT
emaj-156	243	4	91(3	91(3	NUM
emaj-156	243	5	)	)	PUNCT
emaj-156	243	6	,	,	PUNCT
emaj-156	243	7	482	482	NUM
emaj-156	243	8	.	.	PUNCT
emaj-156	243	9	stone	stone	PROPN
emaj-156	243	10	,	,	PUNCT
emaj-156	243	11	b.	b.	PROPN
emaj-156	243	12	and	and	CCONJ
emaj-156	243	13	maury	maury	PROPN
emaj-156	243	14	,	,	PUNCT
emaj-156	243	15	r.	r.	PROPN
emaj-156	243	16	v.	v.	PROPN
emaj-156	243	17	(	(	PUNCT
emaj-156	243	18	2006	2006	NUM
emaj-156	243	19	)	)	PUNCT
emaj-156	243	20	,	,	PUNCT
emaj-156	243	21	indicators	indicator	NOUN
emaj-156	243	22	of	of	ADP
emaj-156	243	23	personal	personal	ADJ
emaj-156	243	24	wnancial	wnancial	ADJ
emaj-156	243	25	debt	debt	NOUN
emaj-156	243	26	using	use	VERB
emaj-156	243	27	a	a	DET
emaj-156	243	28	multi	multi	ADJ
emaj-156	243	29	-	-	ADJ
emaj-156	243	30	disciplinary	disciplinary	ADJ
emaj-156	243	31	behavioral	behavioral	ADJ
emaj-156	243	32	model	model	NOUN
emaj-156	243	33	.	.	PUNCT
emaj-156	244	1	journal	journal	PROPN
emaj-156	244	2	of	of	ADP
emaj-156	244	3	economic	economic	ADJ
emaj-156	244	4	psychology	psychology	NOUN
emaj-156	244	5	27	27	NUM
emaj-156	244	6	:	:	PUNCT
emaj-156	245	1	543–556	543–556	NUM
emaj-156	245	2	.	.	PUNCT
emaj-156	245	3	stumm	stumm	PROPN
emaj-156	245	4	,	,	PUNCT
emaj-156	245	5	s.	s.	PROPN
emaj-156	245	6	o’creevy	o’creevy	PROPN
emaj-156	245	7	,	,	PUNCT
emaj-156	245	8	m.f	m.f	PROPN
emaj-156	245	9	.	.	PROPN
emaj-156	245	10	and	and	CCONJ
emaj-156	245	11	furnham	furnham	PROPN
emaj-156	245	12	,	,	PUNCT
emaj-156	245	13	a.	a.	NOUN
emaj-156	245	14	(	(	PUNCT
emaj-156	245	15	2013	2013	NUM
emaj-156	245	16	)	)	PUNCT
emaj-156	245	17	.	.	PUNCT
emaj-156	246	1	financial	financial	ADJ
emaj-156	246	2	capability	capability	NOUN
emaj-156	246	3	,	,	PUNCT
emaj-156	246	4	money	money	NOUN
emaj-156	246	5	attitudes	attitude	NOUN
emaj-156	246	6	and	and	CCONJ
emaj-156	246	7	socioeconomic	socioeconomic	ADJ
emaj-156	246	8	status	status	NOUN
emaj-156	246	9	:	:	PUNCT
emaj-156	246	10	risks	risk	NOUN
emaj-156	246	11	for	for	ADP
emaj-156	246	12	experiencing	experience	VERB
emaj-156	246	13	adverse	adverse	ADJ
emaj-156	246	14	financial	financial	ADJ
emaj-156	246	15	events	event	NOUN
emaj-156	246	16	.	.	PUNCT
emaj-156	247	1	personality	personality	NOUN
emaj-156	247	2	and	and	CCONJ
emaj-156	247	3	individual	individual	ADJ
emaj-156	247	4	differences	difference	NOUN
emaj-156	247	5	54:344–349	54:344–349	NUM
emaj-156	247	6	.	.	PUNCT
emaj-156	248	1	sullivan	sullivan	PROPN
emaj-156	248	2	,	,	PUNCT
emaj-156	248	3	ac	ac	PROPN
emaj-156	248	4	.	.	PROPN
emaj-156	248	5	,	,	PUNCT
emaj-156	248	6	1982	1982	NUM
emaj-156	248	7	.	.	PUNCT
emaj-156	249	1	consumer	consumer	NOUN
emaj-156	249	2	bankruptcy	bankruptcy	PROPN
emaj-156	249	3	study	study	PROPN
emaj-156	249	4	ii	ii	PROPN
emaj-156	249	5	:	:	PUNCT
emaj-156	249	6	personal	personal	ADJ
emaj-156	249	7	bankruptcy	bankruptcy	NOUN
emaj-156	249	8	:	:	PUNCT
emaj-156	249	9	causes	cause	NOUN
emaj-156	249	10	,	,	PUNCT
emaj-156	249	11	costs	cost	NOUN
emaj-156	249	12	,	,	PUNCT
emaj-156	249	13	and	and	CCONJ
emaj-156	249	14	benefits	benefit	NOUN
emaj-156	249	15	(	(	PUNCT
emaj-156	249	16	monograph	monograph	NOUN
emaj-156	249	17	no	no	INTJ
emaj-156	249	18	.	.	PROPN
emaj-156	249	19	24	24	NUM
emaj-156	249	20	)	)	PUNCT
emaj-156	249	21	.	.	PUNCT
emaj-156	250	1	purdue	purdue	PROPN
emaj-156	250	2	university	university	PROPN
emaj-156	250	3	:	:	PUNCT
emaj-156	250	4	credit	credit	NOUN
emaj-156	250	5	research	research	NOUN
emaj-156	250	6	center	center	NOUN
emaj-156	250	7	.	.	PUNCT
emaj-156	251	1	tokunaga	tokunaga	NOUN
emaj-156	251	2	,	,	PUNCT
emaj-156	251	3	h.	h.	PROPN
emaj-156	251	4	(	(	PUNCT
emaj-156	251	5	1993	1993	NUM
emaj-156	251	6	)	)	PUNCT
emaj-156	251	7	.	.	PUNCT
emaj-156	252	1	the	the	DET
emaj-156	252	2	use	use	NOUN
emaj-156	252	3	and	and	CCONJ
emaj-156	252	4	abuse	abuse	NOUN
emaj-156	252	5	of	of	ADP
emaj-156	252	6	consumer	consumer	NOUN
emaj-156	252	7	credit	credit	NOUN
emaj-156	252	8	:	:	PUNCT
emaj-156	252	9	application	application	NOUN
emaj-156	252	10	of	of	ADP
emaj-156	252	11	psychological	psychological	ADJ
emaj-156	252	12	theory	theory	NOUN
emaj-156	252	13	and	and	CCONJ
emaj-156	252	14	research	research	NOUN
emaj-156	252	15	.	.	PUNCT
emaj-156	253	1	journal	journal	NOUN
emaj-156	253	2	of	of	ADP
emaj-156	253	3	economic	economic	ADJ
emaj-156	253	4	psychology	psychology	NOUN
emaj-156	253	5	,	,	PUNCT
emaj-156	253	6	14	14	NUM
emaj-156	253	7	,	,	PUNCT
emaj-156	253	8	285–316	285–316	NUM
emaj-156	253	9	.	.	PUNCT
emaj-156	253	10	vieira	vieira	PROPN
emaj-156	253	11	,	,	PUNCT
emaj-156	253	12	k.m	k.m	PROPN
emaj-156	253	13	.	.	PROPN
emaj-156	253	14	,	,	PUNCT
emaj-156	253	15	rovedder	rovedder	PROPN
emaj-156	253	16	de	de	PROPN
emaj-156	253	17	oliveira	oliveira	PROPN
emaj-156	253	18	,	,	PUNCT
emaj-156	253	19	m.o	m.o	PROPN
emaj-156	253	20	.	.	PROPN
emaj-156	253	21	and	and	CCONJ
emaj-156	253	22	kunkel	kunkel	PROPN
emaj-156	253	23	,	,	PUNCT
emaj-156	253	24	f.	f.	PROPN
emaj-156	253	25	i.	i.	PROPN
emaj-156	253	26	r.	r.	PROPN
emaj-156	253	27	(	(	PUNCT
emaj-156	253	28	2016	2016	NUM
emaj-156	253	29	)	)	PUNCT
emaj-156	253	30	.	.	PUNCT
emaj-156	254	1	the	the	DET
emaj-156	254	2	credit	credit	NOUN
emaj-156	254	3	card	card	NOUN
emaj-156	254	4	use	use	NOUN
emaj-156	254	5	and	and	CCONJ
emaj-156	254	6	debt	debt	NOUN
emaj-156	254	7	:	:	PUNCT
emaj-156	254	8	is	be	AUX
emaj-156	254	9	there	there	PRON
emaj-156	254	10	a	a	DET
emaj-156	254	11	trade	trade	NOUN
emaj-156	254	12	-	-	PUNCT
emaj-156	254	13	off	off	NOUN
emaj-156	254	14	between	between	ADP
emaj-156	254	15	compulsive	compulsive	ADJ
emaj-156	254	16	buying	buying	NOUN
emaj-156	254	17	and	and	CCONJ
emaj-156	254	18	ill	ill	ADV
emaj-156	254	19	-	-	PUNCT
emaj-156	254	20	being	being	NOUN
emaj-156	254	21	perception	perception	NOUN
emaj-156	254	22	?	?	PUNCT
emaj-156	255	1	journal	journal	NOUN
emaj-156	255	2	of	of	ADP
emaj-156	255	3	behavioral	behavioral	ADJ
emaj-156	255	4	and	and	CCONJ
emaj-156	255	5	experimental	experimental	ADJ
emaj-156	255	6	finance	finance	NOUN
emaj-156	255	7	,	,	PUNCT
emaj-156	255	8	10:75–87	10:75–87	NUM
emaj-156	255	9	.	.	PUNCT
emaj-156	256	1	wang	wang	PROPN
emaj-156	256	2	,	,	PUNCT
emaj-156	256	3	l.	l.	PROPN
emaj-156	256	4	,	,	PUNCT
emaj-156	256	5	lu	lu	PROPN
emaj-156	256	6	,	,	PUNCT
emaj-156	256	7	w.	w.	PROPN
emaj-156	256	8	and	and	CCONJ
emaj-156	256	9	malhotra	malhotra	PROPN
emaj-156	256	10	,	,	PUNCT
emaj-156	256	11	n.k.(2011	n.k.(2011	NUM
emaj-156	256	12	)	)	PUNCT
emaj-156	256	13	,	,	PUNCT
emaj-156	256	14	demographics	demographic	NOUN
emaj-156	256	15	,	,	PUNCT
emaj-156	256	16	attitude	attitude	NOUN
emaj-156	256	17	,	,	PUNCT
emaj-156	256	18	personality	personality	NOUN
emaj-156	256	19	and	and	CCONJ
emaj-156	256	20	credit	credit	NOUN
emaj-156	256	21	card	card	NOUN
emaj-156	256	22	features	feature	NOUN
emaj-156	256	23	correlate	correlate	VERB
emaj-156	256	24	with	with	ADP
emaj-156	256	25	credit	credit	NOUN
emaj-156	256	26	card	card	NOUN
emaj-156	256	27	debt	debt	NOUN
emaj-156	256	28	:	:	PUNCT
emaj-156	256	29	a	a	DET
emaj-156	256	30	view	view	NOUN
emaj-156	256	31	from	from	ADP
emaj-156	256	32	china	china	PROPN
emaj-156	256	33	,	,	PUNCT
emaj-156	256	34	journal	journal	NOUN
emaj-156	256	35	of	of	ADP
emaj-156	256	36	economic	economic	ADJ
emaj-156	256	37	psychology	psychology	NOUN
emaj-156	256	38	32	32	NUM
emaj-156	256	39	:	:	PUNCT
emaj-156	256	40	179–193	179–193	NUM
emaj-156	256	41	.	.	PUNCT
emaj-156	257	1	webley	webley	PROPN
emaj-156	257	2	,	,	PUNCT
emaj-156	257	3	p.	p.	NOUN
emaj-156	257	4	(	(	PUNCT
emaj-156	257	5	1994	1994	NUM
emaj-156	257	6	)	)	PUNCT
emaj-156	257	7	.	.	PUNCT
emaj-156	258	1	the	the	DET
emaj-156	258	2	role	role	NOUN
emaj-156	258	3	of	of	ADP
emaj-156	258	4	economic	economic	ADJ
emaj-156	258	5	and	and	CCONJ
emaj-156	258	6	psychological	psychological	ADJ
emaj-156	258	7	factors	factor	NOUN
emaj-156	258	8	in	in	ADP
emaj-156	258	9	consumer	consumer	NOUN
emaj-156	258	10	debt	debt	NOUN
emaj-156	258	11	.	.	PUNCT
emaj-156	259	1	in	in	ADP
emaj-156	259	2	:	:	PUNCT
emaj-156	259	3	progress	progress	NOUN
emaj-156	259	4	report	report	NOUN
emaj-156	259	5	21	21	NUM
emaj-156	259	6	.	.	PUNCT
emaj-156	260	1	vsb	vsb	PROPN
emaj-156	260	2	-	-	PUNCT
emaj-156	260	3	center	center	NOUN
emaj-156	260	4	savings	saving	NOUN
emaj-156	260	5	project	project	NOUN
emaj-156	260	6	,	,	PUNCT
emaj-156	260	7	tilburg	tilburg	PROPN
emaj-156	260	8	university	university	PROPN
emaj-156	260	9	,	,	PUNCT
emaj-156	260	10	the	the	DET
emaj-156	260	11	netherland	netherland	NOUN
emaj-156	260	12	(	(	PUNCT
emaj-156	260	13	in	in	ADP
emaj-156	260	14	wang	wang	PROPN
emaj-156	260	15	et	et	PROPN
emaj-156	260	16	al	al	PROPN
emaj-156	260	17	.	.	PROPN
emaj-156	260	18	,	,	PUNCT
emaj-156	260	19	2011,demographics	2011,demographics	NUM
emaj-156	260	20	,	,	PUNCT
emaj-156	260	21	attitude	attitude	NOUN
emaj-156	260	22	,	,	PUNCT
emaj-156	260	23	personality	personality	NOUN
emaj-156	260	24	and	and	CCONJ
emaj-156	260	25	credit	credit	NOUN
emaj-156	260	26	card	card	NOUN
emaj-156	260	27	features	feature	NOUN
emaj-156	260	28	correlate	correlate	VERB
emaj-156	260	29	with	with	ADP
emaj-156	260	30	credit	credit	NOUN
emaj-156	260	31	card	card	NOUN
emaj-156	260	32	debt	debt	NOUN
emaj-156	260	33	:	:	PUNCT
emaj-156	260	34	a	a	DET
emaj-156	260	35	view	view	NOUN
emaj-156	260	36	from	from	ADP
emaj-156	260	37	china	china	PROPN
emaj-156	260	38	,	,	PUNCT
emaj-156	260	39	journal	journal	NOUN
emaj-156	260	40	of	of	ADP
emaj-156	260	41	economic	economic	ADJ
emaj-156	260	42	psychology	psychology	NOUN
emaj-156	260	43	32	32	NUM
emaj-156	260	44	:	:	PUNCT
emaj-156	260	45	179–193	179–193	NUM
emaj-156	260	46	)	)	PUNCT
emaj-156	260	47	.	.	PUNCT
emaj-156	261	1	zhang	zhang	PROPN
emaj-156	261	2	,	,	PUNCT
emaj-156	261	3	t.	t.	PROPN
emaj-156	261	4	,	,	PUNCT
emaj-156	261	5	&	&	CCONJ
emaj-156	261	6	devaney	devaney	PROPN
emaj-156	261	7	,	,	PUNCT
emaj-156	261	8	s.	s.	PROPN
emaj-156	261	9	a.	a.	PROPN
emaj-156	261	10	(	(	PUNCT
emaj-156	261	11	1999	1999	NUM
emaj-156	261	12	)	)	PUNCT
emaj-156	261	13	.	.	PUNCT
emaj-156	262	1	determinants	determinant	NOUN
emaj-156	262	2	of	of	ADP
emaj-156	262	3	consumer	consumer	NOUN
emaj-156	262	4	’s	’s	PART
emaj-156	262	5	debt	debt	NOUN
emaj-156	262	6	repayment	repayment	NOUN
emaj-156	262	7	patterns	pattern	NOUN
emaj-156	262	8	.	.	PUNCT
emaj-156	263	1	consumer	consumer	NOUN
emaj-156	263	2	interest	interest	NOUN
emaj-156	263	3	annual	annual	ADJ
emaj-156	263	4	,	,	PUNCT
emaj-156	263	5	45	45	NUM
emaj-156	263	6	,	,	PUNCT
emaj-156	263	7	65	65	NUM
emaj-156	263	8	-	-	SYM
emaj-156	263	9	70	70	NUM
emaj-156	263	10	.	.	PUNCT
emaj-156	264	1	zhu	zhu	PROPN
emaj-156	264	2	,	,	PUNCT
emaj-156	264	3	y.	y.	PROPN
emaj-156	264	4	l.	l.	PROPN
emaj-156	264	5	,	,	PUNCT
emaj-156	264	6	&	&	CCONJ
emaj-156	264	7	meeks	meeks	PROPN
emaj-156	264	8	,	,	PUNCT
emaj-156	264	9	b.	b.	PROPN
emaj-156	264	10	c.	c.	PROPN
emaj-156	264	11	(	(	PUNCT
emaj-156	264	12	1994	1994	NUM
emaj-156	264	13	)	)	PUNCT
emaj-156	264	14	.	.	PUNCT
emaj-156	265	1	effect	effect	NOUN
emaj-156	265	2	of	of	ADP
emaj-156	265	3	low	low	ADJ
emaj-156	265	4	-	-	PUNCT
emaj-156	265	5	income	income	NOUN
emaj-156	265	6	families	family	NOUN
emaj-156	265	7	ability	ability	NOUN
emaj-156	265	8	and	and	CCONJ
emaj-156	265	9	willingness	willingness	NOUN
emaj-156	265	10	to	to	PART
emaj-156	265	11	use	use	VERB
emaj-156	265	12	consumercredit	consumercredit	NOUN
emaj-156	265	13	on	on	ADP
emaj-156	265	14	subsequent	subsequent	ADJ
emaj-156	265	15	outstanding	outstanding	ADJ
emaj-156	265	16	credit	credit	NOUN
emaj-156	265	17	balance	balance	NOUN
emaj-156	265	18	.	.	PUNCT
emaj-156	266	1	journal	journal	PROPN
emaj-156	266	2	of	of	ADP
emaj-156	266	3	consumer	consumer	NOUN
emaj-156	266	4	affairs	affair	NOUN
emaj-156	266	5	,	,	PUNCT
emaj-156	266	6	28(2	28(2	NUM
emaj-156	266	7	)	)	PUNCT
emaj-156	266	8	,	,	PUNCT
emaj-156	266	9	403–422	403–422	NUM
emaj-156	266	10	.	.	PUNCT