id	sid	tid	token	lemma	pos
emaj-245	1	1	volume	volume	NOUN
emaj-245	1	2	7	7	NUM
emaj-245	1	3	no	no	DET
emaj-245	1	4	2	2	NUM
emaj-245	1	5	(	(	PUNCT
emaj-245	1	6	2018	2018	NUM
emaj-245	1	7	)	)	PUNCT
emaj-245	2	1	|	|	ADV
emaj-245	2	2	issn	issn	VERB
emaj-245	2	3	2158	2158	NUM
emaj-245	2	4	-	-	SYM
emaj-245	2	5	8708	8708	NUM
emaj-245	2	6	(	(	PUNCT
emaj-245	2	7	online	online	NOUN
emaj-245	2	8	)	)	PUNCT
emaj-245	2	9	|	|	ADV
emaj-245	2	10	doi	doi	X
emaj-245	2	11	10.5195	10.5195	NUM
emaj-245	2	12	/	/	SYM
emaj-245	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-245	3	1	|	|	ADV
emaj-245	3	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-245	3	3	dynamics	dynamic	NOUN
emaj-245	3	4	of	of	ADP
emaj-245	3	5	locus	locus	NOUN
emaj-245	3	6	of	of	ADP
emaj-245	3	7	control	control	NOUN
emaj-245	3	8	,	,	PUNCT
emaj-245	3	9	financial	financial	ADJ
emaj-245	3	10	knowledge	knowledge	NOUN
emaj-245	3	11	,	,	PUNCT
emaj-245	3	12	financial	financial	ADJ
emaj-245	3	13	behaviour	behaviour	NOUN
emaj-245	3	14	and	and	CCONJ
emaj-245	3	15	financial	financial	ADJ
emaj-245	3	16	position	position	NOUN
emaj-245	3	17	:	:	PUNCT
emaj-245	3	18	an	an	DET
emaj-245	3	19	empirical	empirical	ADJ
emaj-245	3	20	study	study	NOUN
emaj-245	3	21	girish	girish	PROPN
emaj-245	3	22	karunakaran	karunakaran	PROPN
emaj-245	3	23	nair	nair	PROPN
emaj-245	3	24	al	al	PROPN
emaj-245	3	25	rayyan	rayyan	PROPN
emaj-245	3	26	international	international	PROPN
emaj-245	3	27	university	university	PROPN
emaj-245	3	28	college	college	PROPN
emaj-245	3	29	with	with	ADP
emaj-245	3	30	university	university	PROPN
emaj-245	3	31	of	of	ADP
emaj-245	3	32	derby	derby	PROPN
emaj-245	3	33	,	,	PUNCT
emaj-245	3	34	qatar	qatar	PROPN
emaj-245	3	35	|	|	NOUN
emaj-245	3	36	e	e	NOUN
emaj-245	3	37	-	-	NOUN
emaj-245	3	38	mail	mail	NOUN
emaj-245	3	39	:	:	PUNCT
emaj-245	3	40	gknair75@gmail.com	gknair75@gmail.com	X
emaj-245	3	41	abstract	abstract	PROPN
emaj-245	3	42	qatar	qatar	PROPN
emaj-245	3	43	has	have	AUX
emaj-245	3	44	witnessed	witness	VERB
emaj-245	3	45	significant	significant	ADJ
emaj-245	3	46	economic	economic	ADJ
emaj-245	3	47	growth	growth	NOUN
emaj-245	3	48	since	since	SCONJ
emaj-245	3	49	2008	2008	NUM
emaj-245	3	50	with	with	ADP
emaj-245	3	51	gross	gross	ADJ
emaj-245	3	52	domestic	domestic	ADJ
emaj-245	3	53	product	product	NOUN
emaj-245	3	54	(	(	PUNCT
emaj-245	3	55	gdp	gdp	NOUN
emaj-245	3	56	)	)	PUNCT
emaj-245	3	57	increasing	increase	VERB
emaj-245	3	58	by	by	ADP
emaj-245	3	59	about	about	ADV
emaj-245	3	60	10	10	NUM
emaj-245	3	61	percent	percent	NOUN
emaj-245	3	62	annually	annually	ADV
emaj-245	3	63	on	on	ADP
emaj-245	3	64	an	an	DET
emaj-245	3	65	average	average	NOUN
emaj-245	3	66	,	,	PUNCT
emaj-245	3	67	and	and	CCONJ
emaj-245	3	68	it	it	PRON
emaj-245	3	69	is	be	AUX
emaj-245	3	70	consistently	consistently	ADV
emaj-245	3	71	listed	list	VERB
emaj-245	3	72	among	among	ADP
emaj-245	3	73	the	the	DET
emaj-245	3	74	richest	rich	ADJ
emaj-245	3	75	nations	nation	NOUN
emaj-245	3	76	in	in	ADP
emaj-245	3	77	the	the	DET
emaj-245	3	78	world	world	NOUN
emaj-245	3	79	since	since	SCONJ
emaj-245	3	80	then	then	ADV
emaj-245	3	81	.	.	PUNCT
emaj-245	4	1	a	a	DET
emaj-245	4	2	study	study	NOUN
emaj-245	4	3	on	on	ADP
emaj-245	4	4	the	the	DET
emaj-245	4	5	financial	financial	ADJ
emaj-245	4	6	behaviour	behaviour	NOUN
emaj-245	4	7	of	of	ADP
emaj-245	4	8	the	the	DET
emaj-245	4	9	qatari	qatari	ADJ
emaj-245	4	10	nationals	national	NOUN
emaj-245	4	11	would	would	AUX
emaj-245	4	12	reveal	reveal	VERB
emaj-245	4	13	their	their	PRON
emaj-245	4	14	role	role	NOUN
emaj-245	4	15	in	in	ADP
emaj-245	4	16	this	this	DET
emaj-245	4	17	achievement	achievement	NOUN
emaj-245	4	18	.	.	PUNCT
emaj-245	5	1	this	this	DET
emaj-245	5	2	research	research	NOUN
emaj-245	5	3	tests	test	VERB
emaj-245	5	4	the	the	DET
emaj-245	5	5	hypothesis	hypothesis	NOUN
emaj-245	5	6	that	that	PRON
emaj-245	5	7	the	the	DET
emaj-245	5	8	locus	locus	NOUN
emaj-245	5	9	of	of	ADP
emaj-245	5	10	control	control	NOUN
emaj-245	5	11	,	,	PUNCT
emaj-245	5	12	income	income	NOUN
emaj-245	5	13	,	,	PUNCT
emaj-245	5	14	financial	financial	ADJ
emaj-245	5	15	knowledge	knowledge	NOUN
emaj-245	5	16	,	,	PUNCT
emaj-245	5	17	financial	financial	ADJ
emaj-245	5	18	behaviour	behaviour	NOUN
emaj-245	5	19	and	and	CCONJ
emaj-245	5	20	financial	financial	ADJ
emaj-245	5	21	position	position	NOUN
emaj-245	5	22	of	of	ADP
emaj-245	5	23	the	the	DET
emaj-245	5	24	citizens	citizen	NOUN
emaj-245	5	25	are	be	AUX
emaj-245	5	26	causally	causally	ADV
emaj-245	5	27	related	relate	VERB
emaj-245	5	28	.	.	PUNCT
emaj-245	6	1	the	the	DET
emaj-245	6	2	research	research	NOUN
emaj-245	6	3	methodology	methodology	NOUN
emaj-245	6	4	is	be	AUX
emaj-245	6	5	typical	typical	ADJ
emaj-245	6	6	to	to	ADP
emaj-245	6	7	the	the	DET
emaj-245	6	8	empirical	empirical	ADJ
emaj-245	6	9	studies	study	NOUN
emaj-245	6	10	using	use	VERB
emaj-245	6	11	structural	structural	ADJ
emaj-245	6	12	equation	equation	NOUN
emaj-245	6	13	modelling	modelling	NOUN
emaj-245	6	14	(	(	PUNCT
emaj-245	6	15	sem	sem	NOUN
emaj-245	6	16	)	)	PUNCT
emaj-245	6	17	.	.	PUNCT
emaj-245	7	1	the	the	DET
emaj-245	7	2	evidence	evidence	NOUN
emaj-245	7	3	collected	collect	VERB
emaj-245	7	4	from	from	ADP
emaj-245	7	5	randomly	randomly	ADV
emaj-245	7	6	chosen	choose	VERB
emaj-245	7	7	204	204	NUM
emaj-245	7	8	respondents	respondent	NOUN
emaj-245	7	9	supported	support	VERB
emaj-245	7	10	five	five	NUM
emaj-245	7	11	out	out	ADP
emaj-245	7	12	of	of	ADP
emaj-245	7	13	seven	seven	NUM
emaj-245	7	14	hypotheses	hypothesis	NOUN
emaj-245	7	15	which	which	PRON
emaj-245	7	16	indicated	indicate	VERB
emaj-245	7	17	that	that	SCONJ
emaj-245	7	18	internal	internal	ADJ
emaj-245	7	19	locus	locus	NOUN
emaj-245	7	20	of	of	ADP
emaj-245	7	21	control	control	NOUN
emaj-245	7	22	,	,	PUNCT
emaj-245	7	23	financial	financial	ADJ
emaj-245	7	24	knowledge	knowledge	NOUN
emaj-245	7	25	,	,	PUNCT
emaj-245	7	26	financial	financial	ADJ
emaj-245	7	27	behaviour	behaviour	NOUN
emaj-245	7	28	and	and	CCONJ
emaj-245	7	29	financial	financial	ADJ
emaj-245	7	30	position	position	NOUN
emaj-245	7	31	were	be	AUX
emaj-245	7	32	causally	causally	ADV
emaj-245	7	33	related	relate	VERB
emaj-245	7	34	.	.	PUNCT
emaj-245	8	1	for	for	ADP
emaj-245	8	2	policy	policy	NOUN
emaj-245	8	3	implementation	implementation	NOUN
emaj-245	8	4	,	,	PUNCT
emaj-245	8	5	it	it	PRON
emaj-245	8	6	is	be	AUX
emaj-245	8	7	imperative	imperative	ADJ
emaj-245	8	8	that	that	SCONJ
emaj-245	8	9	household	household	NOUN
emaj-245	8	10	of	of	ADP
emaj-245	8	11	a	a	DET
emaj-245	8	12	country	country	NOUN
emaj-245	8	13	should	should	AUX
emaj-245	8	14	be	be	AUX
emaj-245	8	15	educated	educate	VERB
emaj-245	8	16	in	in	ADP
emaj-245	8	17	terms	term	NOUN
emaj-245	8	18	of	of	ADP
emaj-245	8	19	financial	financial	ADJ
emaj-245	8	20	knowledge	knowledge	NOUN
emaj-245	8	21	to	to	PART
emaj-245	8	22	control	control	VERB
emaj-245	8	23	the	the	DET
emaj-245	8	24	financial	financial	ADJ
emaj-245	8	25	behaviour	behaviour	NOUN
emaj-245	8	26	which	which	PRON
emaj-245	8	27	affects	affect	VERB
emaj-245	8	28	the	the	DET
emaj-245	8	29	financial	financial	ADJ
emaj-245	8	30	position	position	NOUN
emaj-245	8	31	.	.	PUNCT
emaj-245	9	1	keywords	keyword	NOUN
emaj-245	9	2	:	:	PUNCT
emaj-245	9	3	locus	locus	NOUN
emaj-245	9	4	of	of	ADP
emaj-245	9	5	control	control	NOUN
emaj-245	9	6	,	,	PUNCT
emaj-245	9	7	income	income	NOUN
emaj-245	9	8	,	,	PUNCT
emaj-245	9	9	financial	financial	ADJ
emaj-245	9	10	knowledge	knowledge	NOUN
emaj-245	9	11	,	,	PUNCT
emaj-245	9	12	financial	financial	ADJ
emaj-245	9	13	behaviour	behaviour	NOUN
emaj-245	9	14	,	,	PUNCT
emaj-245	9	15	financial	financial	ADJ
emaj-245	9	16	position	position	NOUN
emaj-245	9	17	new	new	ADJ
emaj-245	9	18	articles	article	NOUN
emaj-245	9	19	in	in	ADP
emaj-245	9	20	this	this	DET
emaj-245	9	21	journal	journal	NOUN
emaj-245	9	22	are	be	AUX
emaj-245	9	23	licensed	license	VERB
emaj-245	9	24	under	under	ADP
emaj-245	9	25	a	a	DET
emaj-245	9	26	creative	creative	ADJ
emaj-245	9	27	commons	common	NOUN
emaj-245	9	28	attribution	attribution	NOUN
emaj-245	9	29	3.0	3.0	NUM
emaj-245	9	30	united	unite	VERB
emaj-245	9	31	states	states	PROPN
emaj-245	9	32	license	license	NOUN
emaj-245	9	33	.	.	PUNCT
emaj-245	10	1	this	this	DET
emaj-245	10	2	journal	journal	NOUN
emaj-245	10	3	is	be	AUX
emaj-245	10	4	published	publish	VERB
emaj-245	10	5	by	by	ADP
emaj-245	10	6	the	the	DET
emaj-245	10	7	university	university	NOUN
emaj-245	10	8	library	library	NOUN
emaj-245	10	9	system	system	NOUN
emaj-245	10	10	of	of	ADP
emaj-245	10	11	the	the	DET
emaj-245	10	12	university	university	PROPN
emaj-245	10	13	of	of	ADP
emaj-245	10	14	pittsburgh	pittsburgh	PROPN
emaj-245	10	15	as	as	ADP
emaj-245	10	16	part	part	NOUN
emaj-245	10	17	of	of	ADP
emaj-245	10	18	its	its	PRON
emaj-245	10	19	d	d	NOUN
emaj-245	10	20	-	-	PUNCT
emaj-245	10	21	scribe	scribe	VERB
emaj-245	10	22	digital	digital	ADJ
emaj-245	10	23	publishing	publishing	NOUN
emaj-245	10	24	program	program	NOUN
emaj-245	10	25	,	,	PUNCT
emaj-245	10	26	and	and	CCONJ
emaj-245	10	27	is	be	AUX
emaj-245	10	28	cosponsored	cosponsor	VERB
emaj-245	10	29	by	by	ADP
emaj-245	10	30	the	the	DET
emaj-245	10	31	university	university	PROPN
emaj-245	10	32	of	of	ADP
emaj-245	10	33	pittsburgh	pittsburgh	PROPN
emaj-245	10	34	press	press	NOUN
emaj-245	10	35	.	.	PUNCT
emaj-245	11	1	volume	volume	NOUN
emaj-245	11	2	12	12	NUM
emaj-245	11	3	no	no	DET
emaj-245	11	4	1	1	NUM
emaj-245	11	5	(	(	PUNCT
emaj-245	11	6	2022	2022	NUM
emaj-245	11	7	)	)	PUNCT
emaj-245	11	8	|	|	ADV
emaj-245	11	9	issn	issn	VERB
emaj-245	11	10	2158	2158	NUM
emaj-245	11	11	-	-	SYM
emaj-245	11	12	8708	8708	NUM
emaj-245	11	13	(	(	PUNCT
emaj-245	11	14	online	online	NOUN
emaj-245	11	15	)	)	PUNCT
emaj-245	11	16	|	|	ADV
emaj-245	11	17	doi	doi	X
emaj-245	11	18	10.5195	10.5195	NUM
emaj-245	11	19	/	/	SYM
emaj-245	11	20	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	12	1	|	|	ADV
emaj-245	12	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-245	12	3	|	|	ADV
emaj-245	12	4	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-245	12	5	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-245	12	6	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	X
emaj-245	13	1	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-245	13	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-245	13	3	volume	volume	NOUN
emaj-245	13	4	12	12	NUM
emaj-245	13	5	no	no	DET
emaj-245	13	6	1	1	NUM
emaj-245	13	7	(	(	PUNCT
emaj-245	13	8	2022	2022	NUM
emaj-245	13	9	)	)	PUNCT
emaj-245	13	10	|	|	ADV
emaj-245	13	11	issn	issn	VERB
emaj-245	13	12	2158	2158	NUM
emaj-245	13	13	-	-	SYM
emaj-245	13	14	8708	8708	NUM
emaj-245	13	15	(	(	PUNCT
emaj-245	13	16	online	online	NOUN
emaj-245	13	17	)	)	PUNCT
emaj-245	13	18	|	|	ADV
emaj-245	13	19	doi	doi	X
emaj-245	13	20	10.5195	10.5195	NUM
emaj-245	13	21	/	/	SYM
emaj-245	13	22	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	14	1	|	|	NOUN
emaj-245	14	2	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-245	14	3	girish	girish	PROPN
emaj-245	14	4	karunakaran	karunakaran	PROPN
emaj-245	14	5	nair	nair	PROPN
emaj-245	14	6	emerging	emerge	VERB
emaj-245	14	7	markets	market	NOUN
emaj-245	14	8	journal	journal	NOUN
emaj-245	14	9	|	|	ADV
emaj-245	14	10	p	p	NOUN
emaj-245	14	11	a	a	PRON
emaj-245	14	12	g	g	NOUN
emaj-245	14	13	e	e	PROPN
emaj-245	14	14	|59	|59	NOUN
emaj-245	14	15	dynamics	dynamic	NOUN
emaj-245	14	16	of	of	ADP
emaj-245	14	17	locus	locus	NOUN
emaj-245	14	18	of	of	ADP
emaj-245	14	19	control	control	NOUN
emaj-245	14	20	,	,	PUNCT
emaj-245	14	21	financial	financial	ADJ
emaj-245	14	22	knowledge	knowledge	NOUN
emaj-245	14	23	,	,	PUNCT
emaj-245	14	24	financial	financial	ADJ
emaj-245	14	25	behaviour	behaviour	NOUN
emaj-245	14	26	and	and	CCONJ
emaj-245	14	27	financial	financial	ADJ
emaj-245	14	28	position	position	NOUN
emaj-245	14	29	:	:	PUNCT
emaj-245	14	30	an	an	DET
emaj-245	14	31	empirical	empirical	ADJ
emaj-245	14	32	study	study	NOUN
emaj-245	14	33	girish	girish	PROPN
emaj-245	14	34	karunakaran	karunakaran	PROPN
emaj-245	14	35	nair	nair	PROPN
emaj-245	14	36	i.	i.	PROPN
emaj-245	14	37	introduction	introduction	PROPN
emaj-245	14	38	long	long	ADJ
emaj-245	14	39	-	-	PUNCT
emaj-245	14	40	term	term	NOUN
emaj-245	14	41	economic	economic	ADJ
emaj-245	14	42	health	health	NOUN
emaj-245	14	43	of	of	ADP
emaj-245	14	44	a	a	DET
emaj-245	14	45	country	country	NOUN
emaj-245	14	46	demands	demand	VERB
emaj-245	14	47	financially	financially	ADV
emaj-245	14	48	capable	capable	ADJ
emaj-245	14	49	citizens	citizen	NOUN
emaj-245	14	50	(	(	PUNCT
emaj-245	14	51	hobman	hobman	NOUN
emaj-245	14	52	,	,	PUNCT
emaj-245	14	53	2010	2010	NUM
emaj-245	14	54	)	)	PUNCT
emaj-245	14	55	.	.	PUNCT
emaj-245	15	1	if	if	SCONJ
emaj-245	15	2	the	the	DET
emaj-245	15	3	citizens	citizen	NOUN
emaj-245	15	4	of	of	ADP
emaj-245	15	5	a	a	DET
emaj-245	15	6	country	country	NOUN
emaj-245	15	7	can	can	AUX
emaj-245	15	8	keep	keep	VERB
emaj-245	15	9	track	track	NOUN
emaj-245	15	10	of	of	ADP
emaj-245	15	11	their	their	PRON
emaj-245	15	12	financial	financial	ADJ
emaj-245	15	13	wealth	wealth	NOUN
emaj-245	15	14	,	,	PUNCT
emaj-245	15	15	make	make	VERB
emaj-245	15	16	ends	end	NOUN
emaj-245	15	17	meet	meet	VERB
emaj-245	15	18	,	,	PUNCT
emaj-245	15	19	and	and	CCONJ
emaj-245	15	20	plan	plan	NOUN
emaj-245	15	21	,	,	PUNCT
emaj-245	15	22	the	the	DET
emaj-245	15	23	economic	economic	ADJ
emaj-245	15	24	growth	growth	NOUN
emaj-245	15	25	of	of	ADP
emaj-245	15	26	the	the	DET
emaj-245	15	27	country	country	NOUN
emaj-245	15	28	can	can	AUX
emaj-245	15	29	be	be	AUX
emaj-245	15	30	easier	easy	ADJ
emaj-245	15	31	.	.	PUNCT
emaj-245	16	1	consumers	consumer	NOUN
emaj-245	16	2	who	who	PRON
emaj-245	16	3	are	be	AUX
emaj-245	16	4	well	well	ADV
emaj-245	16	5	informed	inform	VERB
emaj-245	16	6	and	and	CCONJ
emaj-245	16	7	choose	choose	VERB
emaj-245	16	8	financial	financial	ADJ
emaj-245	16	9	products	product	NOUN
emaj-245	16	10	judiciously	judiciously	ADV
emaj-245	16	11	can	can	AUX
emaj-245	16	12	naturally	naturally	ADV
emaj-245	16	13	encourage	encourage	VERB
emaj-245	16	14	healthy	healthy	ADJ
emaj-245	16	15	financial	financial	ADJ
emaj-245	16	16	services	service	NOUN
emaj-245	16	17	markets	market	NOUN
emaj-245	16	18	.	.	PUNCT
emaj-245	17	1	on	on	ADP
emaj-245	17	2	a	a	DET
emaj-245	17	3	personal	personal	ADJ
emaj-245	17	4	level	level	NOUN
emaj-245	17	5	,	,	PUNCT
emaj-245	17	6	the	the	DET
emaj-245	17	7	ability	ability	NOUN
emaj-245	17	8	to	to	PART
emaj-245	17	9	manage	manage	VERB
emaj-245	17	10	financial	financial	ADJ
emaj-245	17	11	affairs	affair	NOUN
emaj-245	17	12	independently	independently	ADV
emaj-245	17	13	can	can	AUX
emaj-245	17	14	increase	increase	VERB
emaj-245	17	15	the	the	DET
emaj-245	17	16	life	life	NOUN
emaj-245	17	17	choices	choice	NOUN
emaj-245	17	18	and	and	CCONJ
emaj-245	17	19	contribute	contribute	VERB
emaj-245	17	20	to	to	ADP
emaj-245	17	21	the	the	DET
emaj-245	17	22	psychological	psychological	ADJ
emaj-245	17	23	wellbeing	wellbeing	NOUN
emaj-245	17	24	of	of	ADP
emaj-245	17	25	an	an	DET
emaj-245	17	26	individual	individual	NOUN
emaj-245	17	27	.	.	PUNCT
emaj-245	18	1	thus	thus	ADV
emaj-245	18	2	,	,	PUNCT
emaj-245	18	3	the	the	DET
emaj-245	18	4	financial	financial	ADJ
emaj-245	18	5	management	management	NOUN
emaj-245	18	6	at	at	ADP
emaj-245	18	7	individual	individual	ADJ
emaj-245	18	8	level	level	NOUN
emaj-245	18	9	can	can	AUX
emaj-245	18	10	contribute	contribute	VERB
emaj-245	18	11	to	to	ADP
emaj-245	18	12	financial	financial	ADJ
emaj-245	18	13	health	health	NOUN
emaj-245	18	14	of	of	ADP
emaj-245	18	15	households	household	NOUN
emaj-245	18	16	,	,	PUNCT
emaj-245	18	17	communities	community	NOUN
emaj-245	18	18	,	,	PUNCT
emaj-245	18	19	society	society	NOUN
emaj-245	18	20	and	and	CCONJ
emaj-245	18	21	by	by	ADV
emaj-245	18	22	and	and	CCONJ
emaj-245	18	23	large	large	ADJ
emaj-245	18	24	the	the	DET
emaj-245	18	25	whole	whole	ADJ
emaj-245	18	26	country	country	NOUN
emaj-245	18	27	.	.	PUNCT
emaj-245	19	1	this	this	DET
emaj-245	19	2	research	research	NOUN
emaj-245	19	3	is	be	AUX
emaj-245	19	4	conducted	conduct	VERB
emaj-245	19	5	in	in	ADP
emaj-245	19	6	qatar	qatar	PROPN
emaj-245	19	7	which	which	PRON
emaj-245	19	8	is	be	AUX
emaj-245	19	9	consistently	consistently	ADV
emaj-245	19	10	listed	list	VERB
emaj-245	19	11	as	as	ADP
emaj-245	19	12	one	one	NUM
emaj-245	19	13	of	of	ADP
emaj-245	19	14	the	the	DET
emaj-245	19	15	richest	rich	ADJ
emaj-245	19	16	countries	country	NOUN
emaj-245	19	17	in	in	ADP
emaj-245	19	18	the	the	DET
emaj-245	19	19	world	world	NOUN
emaj-245	19	20	.	.	PUNCT
emaj-245	20	1	qatar	qatar	PROPN
emaj-245	20	2	has	have	AUX
emaj-245	20	3	mainly	mainly	ADV
emaj-245	20	4	depended	depend	VERB
emaj-245	20	5	on	on	ADP
emaj-245	20	6	its	its	PRON
emaj-245	20	7	gas	gas	NOUN
emaj-245	20	8	exports	export	NOUN
emaj-245	20	9	,	,	PUNCT
emaj-245	20	10	and	and	CCONJ
emaj-245	20	11	the	the	DET
emaj-245	20	12	decoupling	decoupling	NOUN
emaj-245	20	13	of	of	ADP
emaj-245	20	14	gas	gas	NOUN
emaj-245	20	15	and	and	CCONJ
emaj-245	20	16	oil	oil	NOUN
emaj-245	20	17	prices	price	NOUN
emaj-245	20	18	suggest	suggest	VERB
emaj-245	20	19	that	that	SCONJ
emaj-245	20	20	it	it	PRON
emaj-245	20	21	is	be	AUX
emaj-245	20	22	likely	likely	ADJ
emaj-245	20	23	to	to	PART
emaj-245	20	24	be	be	AUX
emaj-245	20	25	one	one	NUM
emaj-245	20	26	of	of	ADP
emaj-245	20	27	the	the	DET
emaj-245	20	28	best	well	ADV
emaj-245	20	29	placed	place	VERB
emaj-245	20	30	gcc	gcc	NOUN
emaj-245	20	31	nations	nation	NOUN
emaj-245	20	32	to	to	PART
emaj-245	20	33	weather	weather	VERB
emaj-245	20	34	the	the	DET
emaj-245	20	35	current	current	ADJ
emaj-245	20	36	fall	fall	NOUN
emaj-245	20	37	in	in	ADP
emaj-245	20	38	oil	oil	NOUN
emaj-245	20	39	prices	price	NOUN
emaj-245	20	40	(	(	PUNCT
emaj-245	20	41	qatar	qatar	NOUN
emaj-245	20	42	economy	economy	NOUN
emaj-245	20	43	watch	watch	NOUN
emaj-245	20	44	,	,	PUNCT
emaj-245	20	45	2015	2015	NUM
emaj-245	20	46	)	)	PUNCT
emaj-245	20	47	.	.	PUNCT
emaj-245	21	1	however	however	ADV
emaj-245	21	2	,	,	PUNCT
emaj-245	21	3	the	the	DET
emaj-245	21	4	supply	supply	NOUN
emaj-245	21	5	from	from	ADP
emaj-245	21	6	united	united	PROPN
emaj-245	21	7	states	states	PROPN
emaj-245	21	8	(	(	PUNCT
emaj-245	21	9	us	us	PROPN
emaj-245	21	10	)	)	PUNCT
emaj-245	21	11	and	and	CCONJ
emaj-245	21	12	australia	australia	PROPN
emaj-245	21	13	has	have	AUX
emaj-245	21	14	been	be	AUX
emaj-245	21	15	a	a	DET
emaj-245	21	16	major	major	ADJ
emaj-245	21	17	threat	threat	NOUN
emaj-245	21	18	to	to	ADP
emaj-245	21	19	qatar	qatar	NOUN
emaj-245	21	20	,	,	PUNCT
emaj-245	21	21	and	and	CCONJ
emaj-245	21	22	further	far	ADV
emaj-245	21	23	,	,	PUNCT
emaj-245	21	24	it	it	PRON
emaj-245	21	25	is	be	AUX
emaj-245	21	26	not	not	PART
emaj-245	21	27	immune	immune	ADJ
emaj-245	21	28	to	to	ADP
emaj-245	21	29	inflation	inflation	NOUN
emaj-245	21	30	.	.	PUNCT
emaj-245	22	1	the	the	DET
emaj-245	22	2	consensus	consensus	NOUN
emaj-245	22	3	means	mean	VERB
emaj-245	22	4	for	for	ADP
emaj-245	22	5	the	the	DET
emaj-245	22	6	real	real	ADJ
emaj-245	22	7	growth	growth	NOUN
emaj-245	22	8	estimates	estimate	NOUN
emaj-245	22	9	for	for	ADP
emaj-245	22	10	2015	2015	NUM
emaj-245	22	11	-	-	SYM
emaj-245	22	12	2017	2017	NUM
emaj-245	22	13	lie	lie	NOUN
emaj-245	22	14	in	in	ADP
emaj-245	22	15	a	a	DET
emaj-245	22	16	narrow	narrow	ADJ
emaj-245	22	17	range	range	NOUN
emaj-245	22	18	between	between	ADP
emaj-245	22	19	5.9	5.9	NUM
emaj-245	22	20	%	%	NOUN
emaj-245	22	21	and	and	CCONJ
emaj-245	22	22	6.1	6.1	NUM
emaj-245	22	23	%	%	NOUN
emaj-245	22	24	,	,	PUNCT
emaj-245	22	25	with	with	ADP
emaj-245	22	26	the	the	DET
emaj-245	22	27	view	view	NOUN
emaj-245	22	28	being	be	AUX
emaj-245	22	29	that	that	PRON
emaj-245	22	30	growth	growth	NOUN
emaj-245	22	31	will	will	AUX
emaj-245	22	32	drift	drift	VERB
emaj-245	22	33	up	up	ADP
emaj-245	22	34	in	in	ADP
emaj-245	22	35	2016	2016	NUM
emaj-245	22	36	and	and	CCONJ
emaj-245	22	37	2017	2017	NUM
emaj-245	22	38	(	(	PUNCT
emaj-245	22	39	qatar	qatar	PROPN
emaj-245	22	40	economic	economic	ADJ
emaj-245	22	41	outlook	outlook	NOUN
emaj-245	22	42	,	,	PUNCT
emaj-245	22	43	2015	2015	NUM
emaj-245	22	44	)	)	PUNCT
emaj-245	22	45	.	.	PUNCT
emaj-245	23	1	qatar	qatar	PROPN
emaj-245	23	2	government	government	NOUN
emaj-245	23	3	has	have	AUX
emaj-245	23	4	promoted	promote	VERB
emaj-245	23	5	trade	trade	NOUN
emaj-245	23	6	and	and	CCONJ
emaj-245	23	7	business	business	NOUN
emaj-245	23	8	in	in	ADP
emaj-245	23	9	a	a	DET
emaj-245	23	10	large	large	ADJ
emaj-245	23	11	way	way	NOUN
emaj-245	23	12	post	post	NOUN
emaj-245	23	13	globalization	globalization	NOUN
emaj-245	23	14	to	to	PART
emaj-245	23	15	ensure	ensure	VERB
emaj-245	23	16	a	a	DET
emaj-245	23	17	stable	stable	ADJ
emaj-245	23	18	economic	economic	ADJ
emaj-245	23	19	growth	growth	NOUN
emaj-245	23	20	and	and	CCONJ
emaj-245	23	21	it	it	PRON
emaj-245	23	22	is	be	AUX
emaj-245	23	23	evident	evident	ADJ
emaj-245	23	24	through	through	ADP
emaj-245	23	25	the	the	DET
emaj-245	23	26	improvement	improvement	NOUN
emaj-245	23	27	in	in	ADP
emaj-245	23	28	the	the	DET
emaj-245	23	29	overall	overall	ADJ
emaj-245	23	30	business	business	NOUN
emaj-245	23	31	environment	environment	NOUN
emaj-245	23	32	score	score	NOUN
emaj-245	23	33	of	of	ADP
emaj-245	23	34	7.3	7.3	NUM
emaj-245	23	35	during	during	ADP
emaj-245	23	36	the	the	DET
emaj-245	23	37	period	period	NOUN
emaj-245	23	38	of	of	ADP
emaj-245	23	39	2010	2010	NUM
emaj-245	23	40	-	-	SYM
emaj-245	23	41	14	14	NUM
emaj-245	23	42	to	to	ADP
emaj-245	23	43	7.4	7.4	NUM
emaj-245	23	44	for	for	ADP
emaj-245	23	45	the	the	DET
emaj-245	23	46	forecast	forecast	NOUN
emaj-245	23	47	period	period	NOUN
emaj-245	23	48	of	of	ADP
emaj-245	23	49	2015	2015	NUM
emaj-245	23	50	-	-	SYM
emaj-245	23	51	19	19	NUM
emaj-245	23	52	(	(	PUNCT
emaj-245	23	53	the	the	DET
emaj-245	23	54	economist	economist	NOUN
emaj-245	23	55	,	,	PUNCT
emaj-245	23	56	2015	2015	NUM
emaj-245	23	57	)	)	PUNCT
emaj-245	23	58	.	.	PUNCT
emaj-245	24	1	these	these	DET
emaj-245	24	2	improvements	improvement	NOUN
emaj-245	24	3	are	be	AUX
emaj-245	24	4	driven	drive	VERB
emaj-245	24	5	by	by	ADP
emaj-245	24	6	the	the	DET
emaj-245	24	7	development	development	NOUN
emaj-245	24	8	in	in	ADP
emaj-245	24	9	infrastructure	infrastructure	NOUN
emaj-245	24	10	,	,	PUNCT
emaj-245	24	11	increased	increase	VERB
emaj-245	24	12	availability	availability	NOUN
emaj-245	24	13	of	of	ADP
emaj-245	24	14	financing	financing	NOUN
emaj-245	24	15	and	and	CCONJ
emaj-245	24	16	strong	strong	ADJ
emaj-245	24	17	policies	policy	NOUN
emaj-245	24	18	on	on	ADP
emaj-245	24	19	tax	tax	NOUN
emaj-245	24	20	and	and	CCONJ
emaj-245	24	21	trade	trade	NOUN
emaj-245	24	22	.	.	PUNCT
emaj-245	25	1	political	political	ADJ
emaj-245	25	2	stability	stability	NOUN
emaj-245	25	3	and	and	CCONJ
emaj-245	25	4	the	the	DET
emaj-245	25	5	continuity	continuity	NOUN
emaj-245	25	6	of	of	ADP
emaj-245	25	7	domestic	domestic	ADJ
emaj-245	25	8	policies	policy	NOUN
emaj-245	25	9	under	under	ADP
emaj-245	25	10	his	his	PRON
emaj-245	25	11	highness	highness	NOUN
emaj-245	25	12	sheikh	sheikh	PROPN
emaj-245	25	13	tamim	tamim	PROPN
emaj-245	25	14	continue	continue	VERB
emaj-245	25	15	to	to	PART
emaj-245	25	16	provide	provide	VERB
emaj-245	25	17	reassurance	reassurance	NOUN
emaj-245	25	18	to	to	ADP
emaj-245	25	19	local	local	ADJ
emaj-245	25	20	and	and	CCONJ
emaj-245	25	21	foreign	foreign	ADJ
emaj-245	25	22	investors	investor	NOUN
emaj-245	25	23	.	.	PUNCT
emaj-245	26	1	but	but	CCONJ
emaj-245	26	2	,	,	PUNCT
emaj-245	26	3	unless	unless	SCONJ
emaj-245	26	4	these	these	DET
emaj-245	26	5	initiatives	initiative	NOUN
emaj-245	26	6	of	of	ADP
emaj-245	26	7	the	the	DET
emaj-245	26	8	government	government	NOUN
emaj-245	26	9	are	be	AUX
emaj-245	26	10	understood	understand	VERB
emaj-245	26	11	and	and	CCONJ
emaj-245	26	12	supported	support	VERB
emaj-245	26	13	at	at	ADP
emaj-245	26	14	the	the	DET
emaj-245	26	15	household	household	NOUN
emaj-245	26	16	level	level	NOUN
emaj-245	26	17	,	,	PUNCT
emaj-245	26	18	economic	economic	ADJ
emaj-245	26	19	progress	progress	NOUN
emaj-245	26	20	can	can	AUX
emaj-245	26	21	not	not	PART
emaj-245	26	22	be	be	AUX
emaj-245	26	23	guaranteed	guarantee	VERB
emaj-245	26	24	.	.	PUNCT
emaj-245	27	1	ii	ii	PROPN
emaj-245	27	2	.	.	PUNCT
emaj-245	28	1	literature	literature	PROPN
emaj-245	28	2	review	review	PROPN
emaj-245	28	3	while	while	SCONJ
emaj-245	28	4	the	the	DET
emaj-245	28	5	government	government	NOUN
emaj-245	28	6	is	be	AUX
emaj-245	28	7	promoting	promote	VERB
emaj-245	28	8	trade	trade	NOUN
emaj-245	28	9	on	on	ADP
emaj-245	28	10	one	one	NUM
emaj-245	28	11	side	side	NOUN
emaj-245	28	12	,	,	PUNCT
emaj-245	28	13	there	there	PRON
emaj-245	28	14	is	be	VERB
emaj-245	28	15	a	a	DET
emaj-245	28	16	need	need	NOUN
emaj-245	28	17	for	for	SCONJ
emaj-245	28	18	the	the	DET
emaj-245	28	19	local	local	ADJ
emaj-245	28	20	and	and	CCONJ
emaj-245	28	21	foreign	foreign	ADJ
emaj-245	28	22	investors	investor	NOUN
emaj-245	28	23	to	to	PART
emaj-245	28	24	accept	accept	VERB
emaj-245	28	25	the	the	DET
emaj-245	28	26	invitation	invitation	NOUN
emaj-245	28	27	and	and	CCONJ
emaj-245	28	28	invest	invest	VERB
emaj-245	28	29	in	in	ADP
emaj-245	28	30	business	business	NOUN
emaj-245	28	31	opportunities	opportunity	NOUN
emaj-245	28	32	.	.	PUNCT
emaj-245	29	1	the	the	DET
emaj-245	29	2	financial	financial	ADJ
emaj-245	29	3	environment	environment	NOUN
emaj-245	29	4	is	be	AUX
emaj-245	29	5	becoming	become	VERB
emaj-245	29	6	more	more	ADV
emaj-245	29	7	challenging	challenging	ADJ
emaj-245	29	8	in	in	ADP
emaj-245	29	9	the	the	DET
emaj-245	29	10	present	present	ADJ
emaj-245	29	11	time	time	NOUN
emaj-245	29	12	as	as	SCONJ
emaj-245	29	13	there	there	PRON
emaj-245	29	14	are	be	VERB
emaj-245	29	15	ample	ample	ADJ
emaj-245	29	16	avenues	avenue	NOUN
emaj-245	29	17	to	to	PART
emaj-245	29	18	spend	spend	VERB
emaj-245	29	19	but	but	CCONJ
emaj-245	29	20	limited	limited	ADJ
emaj-245	29	21	opportunities	opportunity	NOUN
emaj-245	29	22	to	to	PART
emaj-245	29	23	enhance	enhance	VERB
emaj-245	29	24	income	income	NOUN
emaj-245	29	25	due	due	ADP
emaj-245	29	26	to	to	ADP
emaj-245	29	27	the	the	DET
emaj-245	29	28	stiff	stiff	ADJ
emaj-245	29	29	competition	competition	NOUN
emaj-245	29	30	in	in	ADP
emaj-245	29	31	both	both	CCONJ
emaj-245	29	32	skilled	skilled	ADJ
emaj-245	29	33	and	and	CCONJ
emaj-245	29	34	semi	semi	ADJ
emaj-245	29	35	-	-	ADJ
emaj-245	29	36	skilled	skilled	ADJ
emaj-245	29	37	manpower	manpower	NOUN
emaj-245	29	38	(	(	PUNCT
emaj-245	29	39	zakaria	zakaria	PROPN
emaj-245	29	40	et	et	PROPN
emaj-245	29	41	al	al	PROPN
emaj-245	29	42	.	.	PROPN
emaj-245	29	43	,	,	PUNCT
emaj-245	29	44	2012	2012	NUM
emaj-245	29	45	)	)	PUNCT
emaj-245	29	46	.	.	PUNCT
emaj-245	30	1	this	this	PRON
emaj-245	30	2	has	have	AUX
emaj-245	30	3	resulted	result	VERB
emaj-245	30	4	in	in	ADP
emaj-245	30	5	the	the	DET
emaj-245	30	6	phenomenon	phenomenon	NOUN
emaj-245	30	7	of	of	ADP
emaj-245	30	8	overspending	overspending	NOUN
emaj-245	30	9	and	and	CCONJ
emaj-245	30	10	over	over	ADP
emaj-245	30	11	borrowing	borrowing	NOUN
emaj-245	30	12	as	as	ADP
emaj-245	30	13	friendly	friendly	ADJ
emaj-245	30	14	credit	credit	NOUN
emaj-245	30	15	system	system	NOUN
emaj-245	30	16	has	have	AUX
emaj-245	30	17	become	become	VERB
emaj-245	30	18	a	a	DET
emaj-245	30	19	universal	universal	ADJ
emaj-245	30	20	phenomenon	phenomenon	NOUN
emaj-245	30	21	.	.	PUNCT
emaj-245	31	1	there	there	PRON
emaj-245	31	2	is	be	VERB
emaj-245	31	3	also	also	ADV
emaj-245	31	4	an	an	DET
emaj-245	31	5	increasing	increase	VERB
emaj-245	31	6	need	need	NOUN
emaj-245	31	7	for	for	ADP
emaj-245	31	8	the	the	DET
emaj-245	31	9	goods	good	NOUN
emaj-245	31	10	and	and	CCONJ
emaj-245	31	11	services	service	NOUN
emaj-245	31	12	and	and	CCONJ
emaj-245	31	13	the	the	DET
emaj-245	31	14	prices	price	NOUN
emaj-245	31	15	are	be	AUX
emaj-245	31	16	constantly	constantly	ADV
emaj-245	31	17	on	on	ADP
emaj-245	31	18	the	the	DET
emaj-245	31	19	rise	rise	NOUN
emaj-245	31	20	.	.	PUNCT
emaj-245	32	1	the	the	DET
emaj-245	32	2	social	social	ADJ
emaj-245	32	3	media	medium	NOUN
emaj-245	32	4	is	be	AUX
emaj-245	32	5	playing	play	VERB
emaj-245	32	6	a	a	DET
emaj-245	32	7	dominant	dominant	ADJ
emaj-245	32	8	role	role	NOUN
emaj-245	32	9	in	in	ADP
emaj-245	32	10	influencing	influence	VERB
emaj-245	32	11	the	the	DET
emaj-245	32	12	behaviour	behaviour	NOUN
emaj-245	32	13	of	of	ADP
emaj-245	32	14	people	people	NOUN
emaj-245	32	15	particularly	particularly	ADV
emaj-245	32	16	the	the	DET
emaj-245	32	17	younger	young	ADJ
emaj-245	32	18	generation	generation	NOUN
emaj-245	32	19	and	and	CCONJ
emaj-245	32	20	the	the	DET
emaj-245	32	21	products	product	NOUN
emaj-245	32	22	and	and	CCONJ
emaj-245	32	23	services	service	NOUN
emaj-245	32	24	are	be	AUX
emaj-245	32	25	being	be	AUX
emaj-245	32	26	bought	buy	VERB
emaj-245	32	27	more	more	ADJ
emaj-245	32	28	as	as	ADP
emaj-245	32	29	a	a	DET
emaj-245	32	30	want	want	NOUN
emaj-245	32	31	than	than	ADP
emaj-245	32	32	a	a	DET
emaj-245	32	33	need	need	NOUN
emaj-245	32	34	to	to	PART
emaj-245	32	35	keep	keep	VERB
emaj-245	32	36	up	up	ADP
emaj-245	32	37	with	with	ADP
emaj-245	32	38	the	the	DET
emaj-245	32	39	societal	societal	ADJ
emaj-245	32	40	standards	standard	NOUN
emaj-245	32	41	.	.	PUNCT
emaj-245	33	1	so	so	ADV
emaj-245	33	2	,	,	PUNCT
emaj-245	33	3	there	there	PRON
emaj-245	33	4	is	be	VERB
emaj-245	33	5	a	a	DET
emaj-245	33	6	whole	whole	ADJ
emaj-245	33	7	lot	lot	NOUN
emaj-245	33	8	of	of	ADP
emaj-245	33	9	psychological	psychological	ADJ
emaj-245	33	10	influence	influence	NOUN
emaj-245	33	11	on	on	ADP
emaj-245	33	12	the	the	DET
emaj-245	33	13	buying	buying	NOUN
emaj-245	33	14	behaviour	behaviour	NOUN
emaj-245	33	15	of	of	ADP
emaj-245	33	16	an	an	DET
emaj-245	33	17	individual	individual	NOUN
emaj-245	33	18	.	.	PUNCT
emaj-245	34	1	this	this	PRON
emaj-245	34	2	is	be	AUX
emaj-245	34	3	where	where	SCONJ
emaj-245	34	4	the	the	DET
emaj-245	34	5	‘	'	PUNCT
emaj-245	34	6	financial	financial	ADJ
emaj-245	34	7	behaviour	behaviour	NOUN
emaj-245	34	8	’	'	PUNCT
emaj-245	34	9	of	of	ADP
emaj-245	34	10	the	the	DET
emaj-245	34	11	local	local	ADJ
emaj-245	34	12	and	and	CCONJ
emaj-245	34	13	foreign	foreign	ADJ
emaj-245	34	14	investors	investor	NOUN
emaj-245	34	15	in	in	ADP
emaj-245	34	16	qatar	qatar	PROPN
emaj-245	34	17	comes	come	VERB
emaj-245	34	18	into	into	ADP
emaj-245	34	19	picture	picture	NOUN
emaj-245	34	20	in	in	ADP
emaj-245	34	21	the	the	DET
emaj-245	34	22	buying	buying	NOUN
emaj-245	34	23	and	and	CCONJ
emaj-245	34	24	selling	selling	NOUN
emaj-245	34	25	of	of	ADP
emaj-245	34	26	goods	good	NOUN
emaj-245	34	27	and	and	CCONJ
emaj-245	34	28	services	service	NOUN
emaj-245	34	29	.	.	PUNCT
emaj-245	35	1	thus	thus	ADV
emaj-245	35	2	,	,	PUNCT
emaj-245	35	3	the	the	DET
emaj-245	35	4	study	study	NOUN
emaj-245	35	5	on	on	ADP
emaj-245	35	6	the	the	DET
emaj-245	35	7	role	role	NOUN
emaj-245	35	8	played	play	VERB
emaj-245	35	9	by	by	ADP
emaj-245	35	10	the	the	DET
emaj-245	35	11	financial	financial	ADJ
emaj-245	35	12	behaviour	behaviour	NOUN
emaj-245	35	13	can	can	AUX
emaj-245	35	14	provide	provide	VERB
emaj-245	35	15	leads	lead	NOUN
emaj-245	35	16	to	to	ADP
emaj-245	35	17	the	the	DET
emaj-245	35	18	‘	'	PUNCT
emaj-245	35	19	financial	financial	ADJ
emaj-245	35	20	position	position	NOUN
emaj-245	35	21	’	'	PUNCT
emaj-245	35	22	of	of	ADP
emaj-245	35	23	the	the	DET
emaj-245	35	24	household	household	NOUN
emaj-245	35	25	.	.	PUNCT
emaj-245	36	1	in	in	ADP
emaj-245	36	2	extreme	extreme	ADJ
emaj-245	36	3	cases	case	NOUN
emaj-245	36	4	where	where	SCONJ
emaj-245	36	5	wants	want	VERB
emaj-245	36	6	to	to	PART
emaj-245	36	7	supersede	supersede	VERB
emaj-245	36	8	the	the	DET
emaj-245	36	9	needs	need	NOUN
emaj-245	36	10	of	of	ADP
emaj-245	36	11	the	the	DET
emaj-245	36	12	individual	individual	NOUN
emaj-245	36	13	,	,	PUNCT
emaj-245	36	14	even	even	ADV
emaj-245	36	15	if	if	SCONJ
emaj-245	36	16	the	the	DET
emaj-245	36	17	financial	financial	ADJ
emaj-245	36	18	status	status	NOUN
emaj-245	36	19	does	do	AUX
emaj-245	36	20	not	not	PART
emaj-245	36	21	permit	permit	VERB
emaj-245	36	22	,	,	PUNCT
emaj-245	36	23	the	the	DET
emaj-245	36	24	buying	buying	NOUN
emaj-245	36	25	behaviour	behaviour	NOUN
emaj-245	36	26	of	of	ADP
emaj-245	36	27	the	the	DET
emaj-245	36	28	individual	individual	NOUN
emaj-245	36	29	may	may	AUX
emaj-245	36	30	prompt	prompt	VERB
emaj-245	36	31	to	to	PART
emaj-245	36	32	exploit	exploit	VERB
emaj-245	36	33	the	the	DET
emaj-245	36	34	liberal	liberal	ADJ
emaj-245	36	35	credit	credit	NOUN
emaj-245	36	36	systems	system	NOUN
emaj-245	36	37	and	and	CCONJ
emaj-245	36	38	be	be	AUX
emaj-245	36	39	exposed	expose	VERB
emaj-245	36	40	to	to	ADP
emaj-245	36	41	the	the	DET
emaj-245	36	42	risk	risk	NOUN
emaj-245	36	43	of	of	ADP
emaj-245	36	44	financial	financial	ADJ
emaj-245	36	45	mismanagement	mismanagement	NOUN
emaj-245	36	46	and	and	CCONJ
emaj-245	36	47	finally	finally	ADV
emaj-245	36	48	end	end	VERB
emaj-245	36	49	up	up	ADP
emaj-245	36	50	in	in	ADP
emaj-245	36	51	bankruptcy	bankruptcy	NOUN
emaj-245	36	52	(	(	PUNCT
emaj-245	36	53	zakaria	zakaria	PROPN
emaj-245	36	54	et	et	PROPN
emaj-245	36	55	al	al	PROPN
emaj-245	36	56	.	.	PROPN
emaj-245	36	57	,	,	PUNCT
emaj-245	36	58	2012	2012	NUM
emaj-245	36	59	)	)	PUNCT
emaj-245	36	60	.	.	PUNCT
emaj-245	37	1	it	it	PRON
emaj-245	37	2	is	be	AUX
emaj-245	37	3	in	in	ADP
emaj-245	37	4	this	this	DET
emaj-245	37	5	context	context	NOUN
emaj-245	37	6	the	the	DET
emaj-245	37	7	research	research	NOUN
emaj-245	37	8	has	have	AUX
emaj-245	37	9	made	make	VERB
emaj-245	37	10	an	an	DET
emaj-245	37	11	attempt	attempt	NOUN
emaj-245	37	12	to	to	PART
emaj-245	37	13	study	study	VERB
emaj-245	37	14	the	the	DET
emaj-245	37	15	mediating	mediate	VERB
emaj-245	37	16	role	role	NOUN
emaj-245	37	17	of	of	ADP
emaj-245	37	18	financial	financial	ADJ
emaj-245	37	19	behaviour	behaviour	NOUN
emaj-245	37	20	of	of	ADP
emaj-245	37	21	the	the	DET
emaj-245	37	22	households	household	NOUN
emaj-245	37	23	in	in	ADP
emaj-245	37	24	qatar	qatar	NOUN
emaj-245	37	25	in	in	ADP
emaj-245	37	26	determining	determine	VERB
emaj-245	37	27	the	the	DET
emaj-245	37	28	financial	financial	ADJ
emaj-245	37	29	position	position	NOUN
emaj-245	37	30	of	of	ADP
emaj-245	37	31	the	the	DET
emaj-245	37	32	citizens	citizen	NOUN
emaj-245	37	33	so	so	SCONJ
emaj-245	37	34	that	that	SCONJ
emaj-245	37	35	policy	policy	NOUN
emaj-245	37	36	rationalization	rationalization	NOUN
emaj-245	37	37	could	could	AUX
emaj-245	37	38	be	be	AUX
emaj-245	37	39	recommended	recommend	VERB
emaj-245	37	40	for	for	ADP
emaj-245	37	41	sustainable	sustainable	ADJ
emaj-245	37	42	economic	economic	ADJ
emaj-245	37	43	growth	growth	NOUN
emaj-245	37	44	.	.	PUNCT
emaj-245	38	1	the	the	DET
emaj-245	38	2	hypothesis	hypothesis	NOUN
emaj-245	38	3	development	development	NOUN
emaj-245	38	4	the	the	DET
emaj-245	38	5	model	model	NOUN
emaj-245	38	6	is	be	AUX
emaj-245	38	7	built	build	VERB
emaj-245	38	8	on	on	ADP
emaj-245	38	9	the	the	DET
emaj-245	38	10	literature	literature	NOUN
emaj-245	38	11	review	review	NOUN
emaj-245	38	12	and	and	CCONJ
emaj-245	38	13	essentially	essentially	ADV
emaj-245	38	14	tests	test	VERB
emaj-245	38	15	the	the	DET
emaj-245	38	16	causation	causation	NOUN
emaj-245	38	17	between	between	ADP
emaj-245	38	18	the	the	DET
emaj-245	38	19	five	five	NUM
emaj-245	38	20	research	research	NOUN
emaj-245	38	21	constructs	construct	NOUN
emaj-245	38	22	:	:	PUNCT
emaj-245	38	23	locus	locus	NOUN
emaj-245	38	24	of	of	ADP
emaj-245	38	25	control	control	NOUN
emaj-245	38	26	,	,	PUNCT
emaj-245	38	27	income	income	NOUN
emaj-245	38	28	,	,	PUNCT
emaj-245	38	29	financial	financial	ADJ
emaj-245	38	30	behaviour	behaviour	NOUN
emaj-245	38	31	,	,	PUNCT
emaj-245	38	32	financial	financial	ADJ
emaj-245	38	33	knowledge	knowledge	NOUN
emaj-245	38	34	and	and	CCONJ
emaj-245	38	35	financial	financial	ADJ
emaj-245	38	36	position	position	NOUN
emaj-245	38	37	.	.	PUNCT
emaj-245	39	1	the	the	DET
emaj-245	39	2	hypothetical	hypothetical	ADJ
emaj-245	39	3	model	model	NOUN
emaj-245	39	4	is	be	AUX
emaj-245	39	5	provided	provide	VERB
emaj-245	39	6	in	in	ADP
emaj-245	39	7	figure	figure	NOUN
emaj-245	39	8	1	1	NUM
emaj-245	39	9	.	.	PUNCT
emaj-245	39	10	figure	figure	NOUN
emaj-245	39	11	1	1	NUM
emaj-245	39	12	.	.	PUNCT
emaj-245	40	1	the	the	DET
emaj-245	40	2	hypothetical	hypothetical	ADJ
emaj-245	40	3	model	model	NOUN
emaj-245	40	4	source	source	NOUN
emaj-245	40	5	:	:	PUNCT
emaj-245	40	6	authors	author	NOUN
emaj-245	40	7	’	’	PART
emaj-245	40	8	own	own	ADJ
emaj-245	40	9	compilation	compilation	NOUN
emaj-245	40	10	following	follow	VERB
emaj-245	40	11	hypotheses	hypothesis	NOUN
emaj-245	40	12	have	have	AUX
emaj-245	40	13	been	be	AUX
emaj-245	40	14	postulated	postulate	VERB
emaj-245	40	15	through	through	ADP
emaj-245	40	16	the	the	DET
emaj-245	40	17	model	model	NOUN
emaj-245	40	18	(	(	PUNCT
emaj-245	40	19	alternative	alternative	ADJ
emaj-245	40	20	hypothesis	hypothesis	NOUN
emaj-245	40	21	):	):	PUNCT
emaj-245	40	22	h1	h1	PROPN
emaj-245	40	23	:	:	PUNCT
emaj-245	40	24	loc	loc	PROPN
emaj-245	40	25	has	have	VERB
emaj-245	40	26	a	a	DET
emaj-245	40	27	significant	significant	ADJ
emaj-245	40	28	influence	influence	NOUN
emaj-245	40	29	on	on	ADP
emaj-245	40	30	fnb	fnb	PROPN
emaj-245	40	31	.	.	PUNCT
emaj-245	41	1	h2	h2	PROPN
emaj-245	41	2	:	:	PUNCT
emaj-245	41	3	loc	loc	PROPN
emaj-245	41	4	has	have	VERB
emaj-245	41	5	a	a	DET
emaj-245	41	6	significant	significant	ADJ
emaj-245	41	7	influence	influence	NOUN
emaj-245	41	8	on	on	ADP
emaj-245	41	9	fnk	fnk	PROPN
emaj-245	41	10	.	.	PUNCT
emaj-245	42	1	h3	h3	PROPN
emaj-245	42	2	:	:	PUNCT
emaj-245	42	3	inc	inc	PROPN
emaj-245	42	4	has	have	VERB
emaj-245	42	5	a	a	DET
emaj-245	42	6	significant	significant	ADJ
emaj-245	42	7	influence	influence	NOUN
emaj-245	42	8	on	on	ADP
emaj-245	42	9	fnb	fnb	PROPN
emaj-245	42	10	.	.	PUNCT
emaj-245	43	1	legend	legend	PROPN
emaj-245	43	2	:	:	PUNCT
emaj-245	43	3	loc	loc	NOUN
emaj-245	43	4	–	–	PUNCT
emaj-245	43	5	locus	locus	NOUN
emaj-245	43	6	of	of	ADP
emaj-245	43	7	control	control	PROPN
emaj-245	43	8	inc	inc	PROPN
emaj-245	43	9	–	–	PUNCT
emaj-245	43	10	income	income	NOUN
emaj-245	43	11	fnb	fnb	PROPN
emaj-245	43	12	–	–	PUNCT
emaj-245	43	13	financial	financial	ADJ
emaj-245	43	14	behaviour	behaviour	NOUN
emaj-245	43	15	fnk	fnk	NOUN
emaj-245	43	16	–	–	PUNCT
emaj-245	43	17	financial	financial	ADJ
emaj-245	43	18	knowledge	knowledge	NOUN
emaj-245	43	19	fnp	fnp	PROPN
emaj-245	43	20	–	–	PUNCT
emaj-245	43	21	financial	financial	ADJ
emaj-245	43	22	performance	performance	NOUN
emaj-245	43	23	h7	h7	PROPN
emaj-245	43	24	volume	volume	NOUN
emaj-245	43	25	12	12	NUM
emaj-245	43	26	no	no	DET
emaj-245	43	27	1	1	NUM
emaj-245	43	28	(	(	PUNCT
emaj-245	43	29	2022	2022	NUM
emaj-245	43	30	)	)	PUNCT
emaj-245	43	31	|	|	ADV
emaj-245	43	32	issn	issn	VERB
emaj-245	43	33	2158	2158	NUM
emaj-245	43	34	-	-	SYM
emaj-245	43	35	8708	8708	NUM
emaj-245	43	36	(	(	PUNCT
emaj-245	43	37	online	online	NOUN
emaj-245	43	38	)	)	PUNCT
emaj-245	43	39	|	|	ADV
emaj-245	43	40	doi	doi	X
emaj-245	43	41	10.5195	10.5195	NUM
emaj-245	43	42	/	/	SYM
emaj-245	43	43	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	43	44	|	|	NOUN
emaj-245	43	45	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-245	43	46	dynamics	dynamic	NOUN
emaj-245	43	47	of	of	ADP
emaj-245	43	48	locus	locus	NOUN
emaj-245	43	49	of	of	ADP
emaj-245	43	50	control	control	NOUN
emaj-245	43	51	,	,	PUNCT
emaj-245	43	52	financial	financial	ADJ
emaj-245	43	53	knowledge	knowledge	NOUN
emaj-245	43	54	,	,	PUNCT
emaj-245	43	55	financial	financial	ADJ
emaj-245	43	56	behaviour	behaviour	NOUN
emaj-245	43	57	and	and	CCONJ
emaj-245	43	58	financial	financial	ADJ
emaj-245	43	59	position	position	NOUN
emaj-245	43	60	:	:	PUNCT
emaj-245	43	61	an	an	DET
emaj-245	43	62	empirical	empirical	ADJ
emaj-245	43	63	study	study	NOUN
emaj-245	43	64	page	page	NOUN
emaj-245	43	65	|60|	|60|	NOUN
emaj-245	43	66	emerging	emerge	VERB
emaj-245	43	67	markets	market	NOUN
emaj-245	43	68	journal	journal	PROPN
emaj-245	43	69	h4	h4	PROPN
emaj-245	43	70	:	:	PUNCT
emaj-245	43	71	inc	inc	PROPN
emaj-245	43	72	has	have	VERB
emaj-245	43	73	a	a	DET
emaj-245	43	74	significant	significant	ADJ
emaj-245	43	75	influence	influence	NOUN
emaj-245	43	76	on	on	ADP
emaj-245	43	77	fnk	fnk	PROPN
emaj-245	43	78	.	.	PUNCT
emaj-245	44	1	h5	h5	PROPN
emaj-245	44	2	:	:	PUNCT
emaj-245	44	3	fnk	fnk	PROPN
emaj-245	44	4	has	have	VERB
emaj-245	44	5	a	a	DET
emaj-245	44	6	significant	significant	ADJ
emaj-245	44	7	influence	influence	NOUN
emaj-245	44	8	on	on	ADP
emaj-245	44	9	fnb	fnb	PROPN
emaj-245	44	10	.	.	PUNCT
emaj-245	45	1	h6	h6	PROPN
emaj-245	45	2	:	:	PUNCT
emaj-245	45	3	fnb	fnb	PROPN
emaj-245	45	4	has	have	VERB
emaj-245	45	5	a	a	DET
emaj-245	45	6	significant	significant	ADJ
emaj-245	45	7	influence	influence	NOUN
emaj-245	45	8	on	on	ADP
emaj-245	45	9	fnp	fnp	PROPN
emaj-245	45	10	.	.	PUNCT
emaj-245	46	1	h7	h7	PROPN
emaj-245	46	2	:	:	PUNCT
emaj-245	46	3	fnk	fnk	PROPN
emaj-245	46	4	has	have	VERB
emaj-245	46	5	a	a	DET
emaj-245	46	6	significant	significant	ADJ
emaj-245	46	7	influence	influence	NOUN
emaj-245	46	8	on	on	ADP
emaj-245	46	9	fnp	fnp	PROPN
emaj-245	46	10	.	.	PUNCT
emaj-245	47	1	linkage	linkage	NOUN
emaj-245	47	2	between	between	ADP
emaj-245	47	3	financial	financial	ADJ
emaj-245	47	4	behaviour	behaviour	NOUN
emaj-245	47	5	and	and	CCONJ
emaj-245	47	6	financial	financial	ADJ
emaj-245	47	7	position	position	NOUN
emaj-245	47	8	financial	financial	ADJ
emaj-245	47	9	behaviour	behaviour	NOUN
emaj-245	47	10	could	could	AUX
emaj-245	47	11	be	be	AUX
emaj-245	47	12	studied	study	VERB
emaj-245	47	13	both	both	CCONJ
emaj-245	47	14	at	at	ADP
emaj-245	47	15	micro	micro	ADJ
emaj-245	47	16	and	and	CCONJ
emaj-245	47	17	macro	macro	ADJ
emaj-245	47	18	level	level	NOUN
emaj-245	47	19	.	.	PUNCT
emaj-245	48	1	in	in	ADP
emaj-245	48	2	this	this	DET
emaj-245	48	3	research	research	NOUN
emaj-245	48	4	the	the	DET
emaj-245	48	5	focus	focus	NOUN
emaj-245	48	6	is	be	AUX
emaj-245	48	7	at	at	ADP
emaj-245	48	8	micro	micro	ADJ
emaj-245	48	9	level	level	NOUN
emaj-245	48	10	i.e.	i.e.	ADV
emaj-245	48	11	,	,	PUNCT
emaj-245	48	12	at	at	ADP
emaj-245	48	13	the	the	DET
emaj-245	48	14	household	household	NOUN
emaj-245	48	15	level	level	NOUN
emaj-245	48	16	as	as	SCONJ
emaj-245	48	17	this	this	DET
emaj-245	48	18	study	study	NOUN
emaj-245	48	19	basically	basically	ADV
emaj-245	48	20	tests	test	VERB
emaj-245	48	21	the	the	DET
emaj-245	48	22	behaviour	behaviour	NOUN
emaj-245	48	23	of	of	ADP
emaj-245	48	24	qatari	qatari	ADJ
emaj-245	48	25	citizens	citizen	NOUN
emaj-245	48	26	in	in	ADP
emaj-245	48	27	terms	term	NOUN
emaj-245	48	28	of	of	ADP
emaj-245	48	29	their	their	PRON
emaj-245	48	30	financial	financial	ADJ
emaj-245	48	31	behaviour	behaviour	NOUN
emaj-245	48	32	.	.	PUNCT
emaj-245	49	1	so	so	ADV
emaj-245	49	2	,	,	PUNCT
emaj-245	49	3	in	in	ADP
emaj-245	49	4	the	the	DET
emaj-245	49	5	context	context	NOUN
emaj-245	49	6	of	of	ADP
emaj-245	49	7	household	household	NOUN
emaj-245	49	8	’s	’s	PART
emaj-245	49	9	financial	financial	ADJ
emaj-245	49	10	behaviour	behaviour	NOUN
emaj-245	49	11	refers	refer	VERB
emaj-245	49	12	to	to	ADP
emaj-245	49	13	the	the	DET
emaj-245	49	14	response	response	NOUN
emaj-245	49	15	of	of	ADP
emaj-245	49	16	the	the	DET
emaj-245	49	17	members	member	NOUN
emaj-245	49	18	of	of	ADP
emaj-245	49	19	the	the	DET
emaj-245	49	20	house	house	NOUN
emaj-245	49	21	by	by	ADP
emaj-245	49	22	virtue	virtue	NOUN
emaj-245	49	23	of	of	ADP
emaj-245	49	24	which	which	PRON
emaj-245	49	25	the	the	DET
emaj-245	49	26	household	household	NOUN
emaj-245	49	27	manages	manage	VERB
emaj-245	49	28	its	its	PRON
emaj-245	49	29	financial	financial	ADJ
emaj-245	49	30	resources	resource	NOUN
emaj-245	49	31	through	through	ADP
emaj-245	49	32	planning	planning	NOUN
emaj-245	49	33	,	,	PUNCT
emaj-245	49	34	budgeting	budget	VERB
emaj-245	49	35	and	and	CCONJ
emaj-245	49	36	saving	save	VERB
emaj-245	49	37	with	with	ADP
emaj-245	49	38	a	a	DET
emaj-245	49	39	long	long	ADJ
emaj-245	49	40	-	-	PUNCT
emaj-245	49	41	term	term	NOUN
emaj-245	49	42	financial	financial	ADJ
emaj-245	49	43	plan	plan	NOUN
emaj-245	49	44	(	(	PUNCT
emaj-245	49	45	hobman	hobman	NOUN
emaj-245	49	46	,	,	PUNCT
emaj-245	49	47	2010	2010	NUM
emaj-245	49	48	)	)	PUNCT
emaj-245	49	49	.	.	PUNCT
emaj-245	50	1	financial	financial	ADJ
emaj-245	50	2	position	position	NOUN
emaj-245	50	3	refers	refer	VERB
emaj-245	50	4	to	to	ADP
emaj-245	50	5	the	the	DET
emaj-245	50	6	ability	ability	NOUN
emaj-245	50	7	of	of	ADP
emaj-245	50	8	the	the	DET
emaj-245	50	9	members	member	NOUN
emaj-245	50	10	of	of	ADP
emaj-245	50	11	the	the	DET
emaj-245	50	12	household	household	NOUN
emaj-245	50	13	to	to	PART
emaj-245	50	14	provide	provide	VERB
emaj-245	50	15	the	the	DET
emaj-245	50	16	needs	need	NOUN
emaj-245	50	17	of	of	ADP
emaj-245	50	18	the	the	DET
emaj-245	50	19	household	household	NOUN
emaj-245	50	20	by	by	ADP
emaj-245	50	21	meeting	meet	VERB
emaj-245	50	22	the	the	DET
emaj-245	50	23	financial	financial	ADJ
emaj-245	50	24	obligations	obligation	NOUN
emaj-245	50	25	(	(	PUNCT
emaj-245	50	26	hobman	hobman	NOUN
emaj-245	50	27	,	,	PUNCT
emaj-245	50	28	2010	2010	NUM
emaj-245	50	29	)	)	PUNCT
emaj-245	50	30	.	.	PUNCT
emaj-245	51	1	researchers	researcher	NOUN
emaj-245	51	2	have	have	AUX
emaj-245	51	3	focused	focus	VERB
emaj-245	51	4	their	their	PRON
emaj-245	51	5	studies	study	NOUN
emaj-245	51	6	to	to	PART
emaj-245	51	7	test	test	VERB
emaj-245	51	8	whether	whether	SCONJ
emaj-245	51	9	the	the	DET
emaj-245	51	10	responsible	responsible	ADJ
emaj-245	51	11	financial	financial	ADJ
emaj-245	51	12	behaviour	behaviour	NOUN
emaj-245	51	13	has	have	AUX
emaj-245	51	14	contributed	contribute	VERB
emaj-245	51	15	to	to	ADP
emaj-245	51	16	a	a	DET
emaj-245	51	17	strong	strong	ADJ
emaj-245	51	18	financial	financial	ADJ
emaj-245	51	19	position	position	NOUN
emaj-245	51	20	(	(	PUNCT
emaj-245	51	21	lea	lea	PROPN
emaj-245	51	22	et	et	PROPN
emaj-245	51	23	al	al	PROPN
emaj-245	51	24	.	.	PROPN
emaj-245	51	25	,	,	PUNCT
emaj-245	51	26	1995	1995	NUM
emaj-245	51	27	;	;	PUNCT
emaj-245	51	28	joo	joo	NOUN
emaj-245	51	29	and	and	CCONJ
emaj-245	51	30	grable	grable	PROPN
emaj-245	51	31	,	,	PUNCT
emaj-245	51	32	2004	2004	NUM
emaj-245	51	33	;	;	PUNCT
emaj-245	51	34	dowling	dowle	VERB
emaj-245	51	35	et	et	PROPN
emaj-245	51	36	al	al	PROPN
emaj-245	51	37	.	.	PROPN
emaj-245	51	38	,	,	PUNCT
emaj-245	51	39	2009	2009	NUM
emaj-245	51	40	)	)	PUNCT
emaj-245	51	41	.	.	PUNCT
emaj-245	52	1	common	common	ADJ
emaj-245	52	2	finding	finding	NOUN
emaj-245	52	3	is	be	AUX
emaj-245	52	4	that	that	SCONJ
emaj-245	52	5	these	these	DET
emaj-245	52	6	two	two	NUM
emaj-245	52	7	research	research	NOUN
emaj-245	52	8	constructs	construct	NOUN
emaj-245	52	9	are	be	AUX
emaj-245	52	10	positively	positively	ADV
emaj-245	52	11	correlated	correlate	VERB
emaj-245	52	12	,	,	PUNCT
emaj-245	52	13	but	but	CCONJ
emaj-245	52	14	causation	causation	NOUN
emaj-245	52	15	is	be	AUX
emaj-245	52	16	not	not	PART
emaj-245	52	17	proved	prove	VERB
emaj-245	52	18	through	through	ADP
emaj-245	52	19	the	the	DET
emaj-245	52	20	empirical	empirical	ADJ
emaj-245	52	21	evidence	evidence	NOUN
emaj-245	52	22	(	(	PUNCT
emaj-245	52	23	parrotta	parrotta	PROPN
emaj-245	52	24	,	,	PUNCT
emaj-245	52	25	j.l	j.l	PROPN
emaj-245	52	26	.	.	PROPN
emaj-245	52	27	and	and	CCONJ
emaj-245	52	28	johnson	johnson	PROPN
emaj-245	52	29	,	,	PUNCT
emaj-245	52	30	1998	1998	NUM
emaj-245	52	31	and	and	CCONJ
emaj-245	52	32	zakaria	zakaria	PROPN
emaj-245	52	33	et	et	PROPN
emaj-245	52	34	al	al	PROPN
emaj-245	52	35	.	.	PROPN
emaj-245	52	36	,	,	PUNCT
emaj-245	52	37	2012	2012	NUM
emaj-245	52	38	)	)	PUNCT
emaj-245	52	39	.	.	PUNCT
emaj-245	53	1	but	but	CCONJ
emaj-245	53	2	,	,	PUNCT
emaj-245	53	3	there	there	PRON
emaj-245	53	4	are	be	VERB
emaj-245	53	5	studies	study	NOUN
emaj-245	53	6	which	which	PRON
emaj-245	53	7	have	have	AUX
emaj-245	53	8	found	find	VERB
emaj-245	53	9	that	that	SCONJ
emaj-245	53	10	responsible	responsible	ADJ
emaj-245	53	11	financial	financial	ADJ
emaj-245	53	12	behaviour	behaviour	NOUN
emaj-245	53	13	has	have	AUX
emaj-245	53	14	resulted	result	VERB
emaj-245	53	15	in	in	ADP
emaj-245	53	16	lower	low	ADJ
emaj-245	53	17	financial	financial	ADJ
emaj-245	53	18	difficulties	difficulty	NOUN
emaj-245	53	19	(	(	PUNCT
emaj-245	53	20	lea	lea	PROPN
emaj-245	53	21	et	et	PROPN
emaj-245	53	22	al	al	PROPN
emaj-245	53	23	.	.	PROPN
emaj-245	53	24	,	,	PUNCT
emaj-245	53	25	1995	1995	NUM
emaj-245	53	26	;	;	PUNCT
emaj-245	53	27	joo	joo	NOUN
emaj-245	53	28	and	and	CCONJ
emaj-245	53	29	grable	grable	PROPN
emaj-245	53	30	,	,	PUNCT
emaj-245	53	31	2004	2004	NUM
emaj-245	53	32	)	)	PUNCT
emaj-245	53	33	and	and	CCONJ
emaj-245	53	34	higher	high	ADJ
emaj-245	53	35	financial	financial	ADJ
emaj-245	53	36	satisfaction	satisfaction	NOUN
emaj-245	53	37	(	(	PUNCT
emaj-245	53	38	dowling	dowle	VERB
emaj-245	53	39	et	et	PROPN
emaj-245	53	40	al	al	PROPN
emaj-245	53	41	.	.	PROPN
emaj-245	53	42	,	,	PUNCT
emaj-245	53	43	2009	2009	NUM
emaj-245	53	44	)	)	PUNCT
emaj-245	53	45	.	.	PUNCT
emaj-245	54	1	thus	thus	ADV
emaj-245	54	2	,	,	PUNCT
emaj-245	54	3	it	it	PRON
emaj-245	54	4	is	be	AUX
emaj-245	54	5	very	very	ADV
emaj-245	54	6	evident	evident	ADJ
emaj-245	54	7	that	that	SCONJ
emaj-245	54	8	financial	financial	ADJ
emaj-245	54	9	behaviour	behaviour	NOUN
emaj-245	54	10	plays	play	VERB
emaj-245	54	11	a	a	DET
emaj-245	54	12	crucial	crucial	ADJ
emaj-245	54	13	role	role	NOUN
emaj-245	54	14	in	in	ADP
emaj-245	54	15	achieving	achieve	VERB
emaj-245	54	16	a	a	DET
emaj-245	54	17	commendable	commendable	ADJ
emaj-245	54	18	financial	financial	ADJ
emaj-245	54	19	position	position	NOUN
emaj-245	54	20	for	for	ADP
emaj-245	54	21	a	a	DET
emaj-245	54	22	household	household	NOUN
emaj-245	54	23	.	.	PUNCT
emaj-245	55	1	having	having	AUX
emaj-245	55	2	realized	realize	VERB
emaj-245	55	3	the	the	DET
emaj-245	55	4	importance	importance	NOUN
emaj-245	55	5	of	of	ADP
emaj-245	55	6	financial	financial	ADJ
emaj-245	55	7	behaviour	behaviour	NOUN
emaj-245	55	8	,	,	PUNCT
emaj-245	55	9	a	a	DET
emaj-245	55	10	group	group	NOUN
emaj-245	55	11	of	of	ADP
emaj-245	55	12	researchers	researcher	NOUN
emaj-245	55	13	have	have	AUX
emaj-245	55	14	made	make	VERB
emaj-245	55	15	attempts	attempt	NOUN
emaj-245	55	16	to	to	PART
emaj-245	55	17	find	find	VERB
emaj-245	55	18	the	the	DET
emaj-245	55	19	determinants	determinant	NOUN
emaj-245	55	20	of	of	ADP
emaj-245	55	21	this	this	DET
emaj-245	55	22	research	research	NOUN
emaj-245	55	23	construct	construct	NOUN
emaj-245	55	24	.	.	PUNCT
emaj-245	56	1	the	the	DET
emaj-245	56	2	fundamental	fundamental	ADJ
emaj-245	56	3	question	question	NOUN
emaj-245	56	4	to	to	PART
emaj-245	56	5	be	be	AUX
emaj-245	56	6	answered	answer	VERB
emaj-245	56	7	was	be	AUX
emaj-245	56	8	,	,	PUNCT
emaj-245	56	9	‘	'	PUNCT
emaj-245	56	10	what	what	PRON
emaj-245	56	11	explains	explain	VERB
emaj-245	56	12	the	the	DET
emaj-245	56	13	responsible	responsible	ADJ
emaj-245	56	14	financial	financial	ADJ
emaj-245	56	15	behaviour	behaviour	NOUN
emaj-245	56	16	and	and	CCONJ
emaj-245	56	17	financial	financial	ADJ
emaj-245	56	18	position	position	NOUN
emaj-245	56	19	?	?	PUNCT
emaj-245	56	20	’	'	PUNCT
emaj-245	57	1	researchers	researcher	NOUN
emaj-245	57	2	have	have	AUX
emaj-245	57	3	come	come	VERB
emaj-245	57	4	with	with	ADP
emaj-245	57	5	a	a	DET
emaj-245	57	6	series	series	NOUN
emaj-245	57	7	of	of	ADP
emaj-245	57	8	variables	variable	NOUN
emaj-245	57	9	which	which	PRON
emaj-245	57	10	would	would	AUX
emaj-245	57	11	explain	explain	VERB
emaj-245	57	12	the	the	DET
emaj-245	57	13	financial	financial	ADJ
emaj-245	57	14	behaviour	behaviour	NOUN
emaj-245	57	15	among	among	ADP
emaj-245	57	16	which	which	PRON
emaj-245	57	17	the	the	DET
emaj-245	57	18	first	first	ADJ
emaj-245	57	19	and	and	CCONJ
emaj-245	57	20	the	the	DET
emaj-245	57	21	foremost	foremost	NOUN
emaj-245	57	22	is	be	AUX
emaj-245	57	23	the	the	DET
emaj-245	57	24	sound	sound	ADJ
emaj-245	57	25	financial	financial	ADJ
emaj-245	57	26	knowledge	knowledge	NOUN
emaj-245	57	27	(	(	PUNCT
emaj-245	57	28	hogarth	hogarth	NOUN
emaj-245	57	29	,	,	PUNCT
emaj-245	57	30	et	et	PROPN
emaj-245	57	31	al	al	PROPN
emaj-245	57	32	.	.	PROPN
emaj-245	57	33	,	,	PUNCT
emaj-245	57	34	2002	2002	NUM
emaj-245	57	35	;	;	PUNCT
emaj-245	57	36	hilgert	hilgert	PROPN
emaj-245	57	37	et	et	PROPN
emaj-245	57	38	al	al	PROPN
emaj-245	57	39	.	.	PROPN
emaj-245	57	40	,	,	PUNCT
emaj-245	57	41	2004	2004	NUM
emaj-245	57	42	;	;	PUNCT
emaj-245	57	43	perry	perry	PROPN
emaj-245	57	44	et	et	PROPN
emaj-245	57	45	al	al	PROPN
emaj-245	57	46	.	.	PROPN
emaj-245	57	47	,	,	PUNCT
emaj-245	57	48	2005	2005	NUM
emaj-245	57	49	)	)	PUNCT
emaj-245	57	50	.	.	PUNCT
emaj-245	58	1	linkage	linkage	NOUN
emaj-245	58	2	between	between	ADP
emaj-245	58	3	financial	financial	ADJ
emaj-245	58	4	knowledge	knowledge	NOUN
emaj-245	58	5	and	and	CCONJ
emaj-245	58	6	financial	financial	ADJ
emaj-245	58	7	position	position	NOUN
emaj-245	58	8	having	having	AUX
emaj-245	58	9	realized	realize	VERB
emaj-245	58	10	the	the	DET
emaj-245	58	11	importance	importance	NOUN
emaj-245	58	12	of	of	ADP
emaj-245	58	13	the	the	DET
emaj-245	58	14	construct	construct	ADJ
emaj-245	58	15	financial	financial	ADJ
emaj-245	58	16	knowledge	knowledge	NOUN
emaj-245	58	17	,	,	PUNCT
emaj-245	58	18	many	many	ADJ
emaj-245	58	19	researchers	researcher	NOUN
emaj-245	58	20	have	have	AUX
emaj-245	58	21	found	find	VERB
emaj-245	58	22	its	its	PRON
emaj-245	58	23	attributes	attribute	NOUN
emaj-245	58	24	which	which	PRON
emaj-245	58	25	includes	include	VERB
emaj-245	58	26	a	a	DET
emaj-245	58	27	thorough	thorough	ADJ
emaj-245	58	28	knowledge	knowledge	NOUN
emaj-245	58	29	about	about	ADP
emaj-245	58	30	the	the	DET
emaj-245	58	31	interest	interest	NOUN
emaj-245	58	32	rate	rate	NOUN
emaj-245	58	33	,	,	PUNCT
emaj-245	58	34	cost	cost	NOUN
emaj-245	58	35	,	,	PUNCT
emaj-245	58	36	prices	price	NOUN
emaj-245	58	37	,	,	PUNCT
emaj-245	58	38	discount	discount	NOUN
emaj-245	58	39	rate	rate	NOUN
emaj-245	58	40	and	and	CCONJ
emaj-245	58	41	the	the	DET
emaj-245	58	42	time	time	NOUN
emaj-245	58	43	horizons	horizon	NOUN
emaj-245	58	44	(	(	PUNCT
emaj-245	58	45	zakaria	zakaria	PROPN
emaj-245	58	46	et	et	PROPN
emaj-245	58	47	al	al	PROPN
emaj-245	58	48	.	.	PROPN
emaj-245	58	49	,	,	PUNCT
emaj-245	58	50	2012	2012	NUM
emaj-245	58	51	)	)	PUNCT
emaj-245	58	52	.	.	PUNCT
emaj-245	59	1	researchers	researcher	NOUN
emaj-245	59	2	have	have	AUX
emaj-245	59	3	also	also	ADV
emaj-245	59	4	found	find	VERB
emaj-245	59	5	that	that	SCONJ
emaj-245	59	6	in	in	ADP
emaj-245	59	7	many	many	ADJ
emaj-245	59	8	cases	case	NOUN
emaj-245	59	9	the	the	DET
emaj-245	59	10	financial	financial	ADJ
emaj-245	59	11	information	information	NOUN
emaj-245	59	12	is	be	AUX
emaj-245	59	13	complex	complex	ADJ
emaj-245	59	14	to	to	ADP
emaj-245	59	15	the	the	DET
emaj-245	59	16	common	common	ADJ
emaj-245	59	17	household	household	NOUN
emaj-245	59	18	member	member	NOUN
emaj-245	59	19	and	and	CCONJ
emaj-245	59	20	in	in	ADP
emaj-245	59	21	many	many	ADJ
emaj-245	59	22	cases	case	NOUN
emaj-245	59	23	it	it	PRON
emaj-245	59	24	is	be	AUX
emaj-245	59	25	inaccessible	inaccessible	ADJ
emaj-245	59	26	.	.	PUNCT
emaj-245	60	1	many	many	ADJ
emaj-245	60	2	a	a	DET
emaj-245	60	3	times	time	NOUN
emaj-245	60	4	people	people	NOUN
emaj-245	60	5	fall	fall	VERB
emaj-245	60	6	a	a	DET
emaj-245	60	7	prey	prey	NOUN
emaj-245	60	8	to	to	ADP
emaj-245	60	9	the	the	DET
emaj-245	60	10	dunning	dun	VERB
emaj-245	60	11	-	-	PUNCT
emaj-245	60	12	kruger	kruger	PROPN
emaj-245	60	13	effect	effect	NOUN
emaj-245	60	14	(	(	PUNCT
emaj-245	60	15	zakaria	zakaria	PROPN
emaj-245	60	16	et	et	PROPN
emaj-245	60	17	al	al	PROPN
emaj-245	60	18	.	.	PROPN
emaj-245	60	19	,	,	PUNCT
emaj-245	60	20	2012	2012	NUM
emaj-245	60	21	)	)	PUNCT
emaj-245	60	22	which	which	PRON
emaj-245	60	23	means	mean	VERB
emaj-245	60	24	people	people	NOUN
emaj-245	60	25	who	who	PRON
emaj-245	60	26	do	do	AUX
emaj-245	60	27	not	not	PART
emaj-245	60	28	know	know	VERB
emaj-245	60	29	the	the	DET
emaj-245	60	30	details	detail	NOUN
emaj-245	60	31	admit	admit	VERB
emaj-245	60	32	their	their	PRON
emaj-245	60	33	ignorance	ignorance	NOUN
emaj-245	60	34	and	and	CCONJ
emaj-245	60	35	fail	fail	VERB
emaj-245	60	36	to	to	PART
emaj-245	60	37	seek	seek	VERB
emaj-245	60	38	information	information	NOUN
emaj-245	60	39	.	.	PUNCT
emaj-245	61	1	lusardi	lusardi	PROPN
emaj-245	61	2	(	(	PUNCT
emaj-245	61	3	2008	2008	NUM
emaj-245	61	4	)	)	PUNCT
emaj-245	61	5	considers	consider	VERB
emaj-245	61	6	financial	financial	ADJ
emaj-245	61	7	literacy	literacy	NOUN
emaj-245	61	8	to	to	PART
emaj-245	61	9	be	be	AUX
emaj-245	61	10	an	an	DET
emaj-245	61	11	important	important	ADJ
emaj-245	61	12	determinant	determinant	NOUN
emaj-245	61	13	of	of	ADP
emaj-245	61	14	financial	financial	ADJ
emaj-245	61	15	behaviour	behaviour	NOUN
emaj-245	61	16	.	.	PUNCT
emaj-245	62	1	hayhoe	hayhoe	PROPN
emaj-245	62	2	et	et	PROPN
emaj-245	62	3	al	al	PROPN
emaj-245	62	4	.	.	PROPN
emaj-245	62	5	,	,	PUNCT
emaj-245	62	6	(	(	PUNCT
emaj-245	62	7	2005	2005	NUM
emaj-245	62	8	)	)	PUNCT
emaj-245	62	9	and	and	CCONJ
emaj-245	62	10	xiao	xiao	PROPN
emaj-245	62	11	et	et	PROPN
emaj-245	62	12	al	al	PROPN
emaj-245	62	13	.	.	PROPN
emaj-245	62	14	,	,	PUNCT
emaj-245	62	15	(	(	PUNCT
emaj-245	62	16	2006	2006	NUM
emaj-245	62	17	)	)	PUNCT
emaj-245	62	18	have	have	AUX
emaj-245	62	19	found	find	VERB
emaj-245	62	20	that	that	SCONJ
emaj-245	62	21	having	have	VERB
emaj-245	62	22	financial	financial	ADJ
emaj-245	62	23	knowledge	knowledge	NOUN
emaj-245	62	24	reduces	reduce	VERB
emaj-245	62	25	the	the	DET
emaj-245	62	26	risk	risk	NOUN
emaj-245	62	27	of	of	ADP
emaj-245	62	28	financial	financial	ADJ
emaj-245	62	29	mismanagement	mismanagement	NOUN
emaj-245	62	30	leading	lead	VERB
emaj-245	62	31	to	to	ADP
emaj-245	62	32	credit	credit	NOUN
emaj-245	62	33	card	card	NOUN
emaj-245	62	34	non	non	ADJ
emaj-245	62	35	-	-	NOUN
emaj-245	62	36	payment	payment	ADJ
emaj-245	62	37	,	,	PUNCT
emaj-245	62	38	check	check	VERB
emaj-245	62	39	bouncing	bounce	VERB
emaj-245	62	40	,	,	PUNCT
emaj-245	62	41	bankruptcy	bankruptcy	NOUN
emaj-245	62	42	etc	etc	X
emaj-245	62	43	.	.	X
emaj-245	63	1	one	one	NUM
emaj-245	63	2	aspect	aspect	NOUN
emaj-245	63	3	which	which	PRON
emaj-245	63	4	plays	play	VERB
emaj-245	63	5	a	a	DET
emaj-245	63	6	vital	vital	ADJ
emaj-245	63	7	role	role	NOUN
emaj-245	63	8	in	in	ADP
emaj-245	63	9	the	the	DET
emaj-245	63	10	way	way	NOUN
emaj-245	63	11	people	people	NOUN
emaj-245	63	12	behave	behave	VERB
emaj-245	63	13	is	be	AUX
emaj-245	63	14	the	the	DET
emaj-245	63	15	‘	'	PUNCT
emaj-245	63	16	self	self	NOUN
emaj-245	63	17	-	-	PUNCT
emaj-245	63	18	belief	belief	NOUN
emaj-245	63	19	’	'	PUNCT
emaj-245	63	20	which	which	PRON
emaj-245	63	21	has	have	AUX
emaj-245	63	22	been	be	AUX
emaj-245	63	23	emphasized	emphasize	VERB
emaj-245	63	24	by	by	ADP
emaj-245	63	25	many	many	ADJ
emaj-245	63	26	researchers	researcher	NOUN
emaj-245	63	27	,	,	PUNCT
emaj-245	63	28	but	but	CCONJ
emaj-245	63	29	unfortunately	unfortunately	ADV
emaj-245	63	30	not	not	PART
emaj-245	63	31	many	many	ADJ
emaj-245	63	32	have	have	AUX
emaj-245	63	33	investigated	investigate	VERB
emaj-245	63	34	the	the	DET
emaj-245	63	35	importance	importance	NOUN
emaj-245	63	36	of	of	ADP
emaj-245	63	37	this	this	DET
emaj-245	63	38	construct	construct	NOUN
emaj-245	63	39	in	in	ADP
emaj-245	63	40	shaping	shape	VERB
emaj-245	63	41	the	the	DET
emaj-245	63	42	financial	financial	ADJ
emaj-245	63	43	behaviour	behaviour	NOUN
emaj-245	63	44	.	.	PUNCT
emaj-245	64	1	linkage	linkage	NOUN
emaj-245	64	2	between	between	ADP
emaj-245	64	3	income	income	NOUN
emaj-245	64	4	and	and	CCONJ
emaj-245	64	5	financial	financial	ADJ
emaj-245	64	6	position	position	NOUN
emaj-245	64	7	going	go	VERB
emaj-245	64	8	further	far	ADV
emaj-245	64	9	deeper	deeply	ADV
emaj-245	64	10	into	into	ADP
emaj-245	64	11	the	the	DET
emaj-245	64	12	causation	causation	NOUN
emaj-245	64	13	it	it	PRON
emaj-245	64	14	can	can	AUX
emaj-245	64	15	be	be	AUX
emaj-245	64	16	said	say	VERB
emaj-245	64	17	that	that	SCONJ
emaj-245	64	18	financial	financial	ADJ
emaj-245	64	19	behaviour	behaviour	NOUN
emaj-245	64	20	and	and	CCONJ
emaj-245	64	21	financial	financial	ADJ
emaj-245	64	22	knowledge	knowledge	NOUN
emaj-245	64	23	act	act	PROPN
emaj-245	64	24	as	as	ADP
emaj-245	64	25	a	a	DET
emaj-245	64	26	mediator	mediator	NOUN
emaj-245	64	27	between	between	ADP
emaj-245	64	28	the	the	DET
emaj-245	64	29	locus	locus	NOUN
emaj-245	64	30	of	of	ADP
emaj-245	64	31	control	control	NOUN
emaj-245	64	32	and	and	CCONJ
emaj-245	64	33	financial	financial	ADJ
emaj-245	64	34	position	position	NOUN
emaj-245	64	35	as	as	ADV
emaj-245	64	36	well	well	ADV
emaj-245	64	37	as	as	ADP
emaj-245	64	38	income	income	NOUN
emaj-245	64	39	group	group	NOUN
emaj-245	64	40	and	and	CCONJ
emaj-245	64	41	the	the	DET
emaj-245	64	42	financial	financial	ADJ
emaj-245	64	43	position	position	NOUN
emaj-245	64	44	.	.	PUNCT
emaj-245	65	1	in	in	ADP
emaj-245	65	2	these	these	DET
emaj-245	65	3	relationships	relationship	NOUN
emaj-245	65	4	,	,	PUNCT
emaj-245	65	5	it	it	PRON
emaj-245	65	6	is	be	AUX
emaj-245	65	7	important	important	ADJ
emaj-245	65	8	to	to	PART
emaj-245	65	9	understand	understand	VERB
emaj-245	65	10	the	the	DET
emaj-245	65	11	difference	difference	NOUN
emaj-245	65	12	between	between	ADP
emaj-245	65	13	the	the	DET
emaj-245	65	14	income	income	NOUN
emaj-245	65	15	and	and	CCONJ
emaj-245	65	16	the	the	DET
emaj-245	65	17	financial	financial	ADJ
emaj-245	65	18	position	position	NOUN
emaj-245	65	19	.	.	PUNCT
emaj-245	66	1	while	while	SCONJ
emaj-245	66	2	income	income	NOUN
emaj-245	66	3	refers	refer	VERB
emaj-245	66	4	to	to	ADP
emaj-245	66	5	the	the	DET
emaj-245	66	6	income	income	NOUN
emaj-245	66	7	group	group	NOUN
emaj-245	66	8	of	of	ADP
emaj-245	66	9	the	the	DET
emaj-245	66	10	household	household	NOUN
emaj-245	66	11	which	which	PRON
emaj-245	66	12	have	have	VERB
emaj-245	66	13	influence	influence	NOUN
emaj-245	66	14	on	on	ADP
emaj-245	66	15	the	the	DET
emaj-245	66	16	financial	financial	ADJ
emaj-245	66	17	behaviour	behaviour	NOUN
emaj-245	66	18	and	and	CCONJ
emaj-245	66	19	financial	financial	ADJ
emaj-245	66	20	knowledge	knowledge	NOUN
emaj-245	66	21	,	,	PUNCT
emaj-245	66	22	financial	financial	ADJ
emaj-245	66	23	position	position	NOUN
emaj-245	66	24	refers	refer	VERB
emaj-245	66	25	to	to	ADP
emaj-245	66	26	the	the	DET
emaj-245	66	27	outcome	outcome	NOUN
emaj-245	66	28	that	that	PRON
emaj-245	66	29	could	could	AUX
emaj-245	66	30	be	be	AUX
emaj-245	66	31	achieved	achieve	VERB
emaj-245	66	32	through	through	ADP
emaj-245	66	33	the	the	DET
emaj-245	66	34	income	income	NOUN
emaj-245	66	35	available	available	ADJ
emaj-245	66	36	in	in	ADP
emaj-245	66	37	the	the	DET
emaj-245	66	38	household	household	NOUN
emaj-245	66	39	.	.	PUNCT
emaj-245	67	1	it	it	PRON
emaj-245	67	2	is	be	AUX
emaj-245	67	3	imperative	imperative	ADJ
emaj-245	67	4	that	that	SCONJ
emaj-245	67	5	it	it	PRON
emaj-245	67	6	is	be	AUX
emaj-245	67	7	possible	possible	ADJ
emaj-245	67	8	to	to	PART
emaj-245	67	9	have	have	VERB
emaj-245	67	10	a	a	DET
emaj-245	67	11	high	high	ADJ
emaj-245	67	12	-	-	PUNCT
emaj-245	67	13	income	income	NOUN
emaj-245	67	14	group	group	NOUN
emaj-245	67	15	family	family	NOUN
emaj-245	67	16	leading	lead	VERB
emaj-245	67	17	towards	towards	ADP
emaj-245	67	18	an	an	DET
emaj-245	67	19	inferior	inferior	ADJ
emaj-245	67	20	financial	financial	ADJ
emaj-245	67	21	position	position	NOUN
emaj-245	67	22	and	and	CCONJ
emaj-245	67	23	a	a	DET
emaj-245	67	24	low	low	ADJ
emaj-245	67	25	-	-	PUNCT
emaj-245	67	26	income	income	NOUN
emaj-245	67	27	family	family	NOUN
emaj-245	67	28	with	with	ADP
emaj-245	67	29	the	the	DET
emaj-245	67	30	right	right	ADJ
emaj-245	67	31	kind	kind	NOUN
emaj-245	67	32	of	of	ADP
emaj-245	67	33	investments	investment	NOUN
emaj-245	67	34	and	and	CCONJ
emaj-245	67	35	fund	fund	NOUN
emaj-245	67	36	management	management	NOUN
emaj-245	67	37	leading	lead	VERB
emaj-245	67	38	towards	towards	ADP
emaj-245	67	39	a	a	DET
emaj-245	67	40	better	well	ADJ
emaj-245	67	41	financial	financial	ADJ
emaj-245	67	42	position	position	NOUN
emaj-245	67	43	.	.	PUNCT
emaj-245	68	1	linkage	linkage	NOUN
emaj-245	68	2	between	between	ADP
emaj-245	68	3	locus	locus	NOUN
emaj-245	68	4	of	of	ADP
emaj-245	68	5	control	control	NOUN
emaj-245	68	6	and	and	CCONJ
emaj-245	68	7	financial	financial	ADJ
emaj-245	68	8	position	position	NOUN
emaj-245	68	9	the	the	DET
emaj-245	68	10	term	term	NOUN
emaj-245	68	11	which	which	PRON
emaj-245	68	12	encompasses	encompass	VERB
emaj-245	68	13	the	the	DET
emaj-245	68	14	self	self	NOUN
emaj-245	68	15	-	-	PUNCT
emaj-245	68	16	belief	belief	NOUN
emaj-245	68	17	and	and	CCONJ
emaj-245	68	18	moves	move	NOUN
emaj-245	68	19	beyond	beyond	ADP
emaj-245	68	20	it	it	PRON
emaj-245	68	21	to	to	ADP
emaj-245	68	22	the	the	DET
emaj-245	68	23	determination	determination	NOUN
emaj-245	68	24	of	of	ADP
emaj-245	68	25	the	the	DET
emaj-245	68	26	outcome	outcome	NOUN
emaj-245	68	27	of	of	ADP
emaj-245	68	28	their	their	PRON
emaj-245	68	29	own	own	ADJ
emaj-245	68	30	action	action	NOUN
emaj-245	68	31	well	well	ADV
emaj-245	68	32	in	in	ADP
emaj-245	68	33	advance	advance	NOUN
emaj-245	68	34	is	be	AUX
emaj-245	68	35	‘	'	PUNCT
emaj-245	68	36	locus	locus	NOUN
emaj-245	68	37	of	of	ADP
emaj-245	68	38	control	control	NOUN
emaj-245	68	39	’	'	PUNCT
emaj-245	68	40	(	(	PUNCT
emaj-245	68	41	zakaria	zakaria	PROPN
emaj-245	68	42	et	et	PROPN
emaj-245	68	43	al	al	PROPN
emaj-245	68	44	.	.	PROPN
emaj-245	68	45	,	,	PUNCT
emaj-245	68	46	2012	2012	NUM
emaj-245	68	47	)	)	PUNCT
emaj-245	68	48	.	.	PUNCT
emaj-245	69	1	locus	locus	NOUN
emaj-245	69	2	of	of	ADP
emaj-245	69	3	control	control	NOUN
emaj-245	69	4	reflects	reflect	VERB
emaj-245	69	5	upon	upon	SCONJ
emaj-245	69	6	the	the	DET
emaj-245	69	7	ability	ability	NOUN
emaj-245	69	8	of	of	ADP
emaj-245	69	9	the	the	DET
emaj-245	69	10	individual	individual	NOUN
emaj-245	69	11	to	to	PART
emaj-245	69	12	be	be	AUX
emaj-245	69	13	positive	positive	ADJ
emaj-245	69	14	about	about	ADP
emaj-245	69	15	the	the	DET
emaj-245	69	16	achievement	achievement	NOUN
emaj-245	69	17	of	of	ADP
emaj-245	69	18	the	the	DET
emaj-245	69	19	intended	intend	VERB
emaj-245	69	20	outcome	outcome	NOUN
emaj-245	69	21	which	which	PRON
emaj-245	69	22	is	be	AUX
emaj-245	69	23	the	the	DET
emaj-245	69	24	financial	financial	ADJ
emaj-245	69	25	position	position	NOUN
emaj-245	69	26	.	.	PUNCT
emaj-245	70	1	so	so	ADV
emaj-245	70	2	,	,	PUNCT
emaj-245	70	3	it	it	PRON
emaj-245	70	4	can	can	AUX
emaj-245	70	5	be	be	AUX
emaj-245	70	6	conceptualized	conceptualize	VERB
emaj-245	70	7	that	that	SCONJ
emaj-245	70	8	locus	locus	NOUN
emaj-245	70	9	of	of	ADP
emaj-245	70	10	control	control	NOUN
emaj-245	70	11	and	and	CCONJ
emaj-245	70	12	income	income	NOUN
emaj-245	70	13	could	could	AUX
emaj-245	70	14	be	be	AUX
emaj-245	70	15	the	the	DET
emaj-245	70	16	exogenous	exogenous	ADJ
emaj-245	70	17	variables	variable	NOUN
emaj-245	70	18	which	which	PRON
emaj-245	70	19	have	have	VERB
emaj-245	70	20	influence	influence	NOUN
emaj-245	70	21	on	on	ADP
emaj-245	70	22	the	the	DET
emaj-245	70	23	financial	financial	ADJ
emaj-245	70	24	behaviour	behaviour	NOUN
emaj-245	70	25	and	and	CCONJ
emaj-245	70	26	financial	financial	ADJ
emaj-245	70	27	knowledge	knowledge	NOUN
emaj-245	70	28	which	which	PRON
emaj-245	70	29	in	in	ADP
emaj-245	70	30	turn	turn	NOUN
emaj-245	70	31	have	have	VERB
emaj-245	70	32	influence	influence	NOUN
emaj-245	70	33	on	on	ADP
emaj-245	70	34	financial	financial	ADJ
emaj-245	70	35	position	position	NOUN
emaj-245	70	36	which	which	PRON
emaj-245	70	37	are	be	AUX
emaj-245	70	38	all	all	DET
emaj-245	70	39	the	the	DET
emaj-245	70	40	endogenous	endogenous	ADJ
emaj-245	70	41	variables	variable	NOUN
emaj-245	70	42	.	.	PUNCT
emaj-245	71	1	grable	grable	NOUN
emaj-245	71	2	et	et	PROPN
emaj-245	71	3	al	al	PROPN
emaj-245	71	4	.	.	PROPN
emaj-245	72	1	(	(	PUNCT
emaj-245	72	2	2009	2009	NUM
emaj-245	72	3	)	)	PUNCT
emaj-245	72	4	have	have	AUX
emaj-245	72	5	studied	study	VERB
emaj-245	72	6	the	the	DET
emaj-245	72	7	two	two	NUM
emaj-245	72	8	extremes	extreme	NOUN
emaj-245	72	9	of	of	ADP
emaj-245	72	10	locus	locus	NOUN
emaj-245	72	11	of	of	ADP
emaj-245	72	12	control	control	NOUN
emaj-245	72	13	i.e.	i.e.	X
emaj-245	72	14	,	,	PUNCT
emaj-245	72	15	internal	internal	ADJ
emaj-245	72	16	locus	locus	NOUN
emaj-245	72	17	of	of	ADP
emaj-245	72	18	control	control	NOUN
emaj-245	72	19	and	and	CCONJ
emaj-245	72	20	external	external	ADJ
emaj-245	72	21	locus	locus	NOUN
emaj-245	72	22	of	of	ADP
emaj-245	72	23	control	control	NOUN
emaj-245	72	24	.	.	PUNCT
emaj-245	73	1	the	the	DET
emaj-245	73	2	people	people	NOUN
emaj-245	73	3	with	with	ADP
emaj-245	73	4	internal	internal	ADJ
emaj-245	73	5	locus	locus	NOUN
emaj-245	73	6	of	of	ADP
emaj-245	73	7	control	control	NOUN
emaj-245	73	8	believe	believe	VERB
emaj-245	73	9	that	that	SCONJ
emaj-245	73	10	it	it	PRON
emaj-245	73	11	is	be	AUX
emaj-245	73	12	their	their	PRON
emaj-245	73	13	own	own	ADJ
emaj-245	73	14	financial	financial	ADJ
emaj-245	73	15	behaviour	behaviour	NOUN
emaj-245	73	16	that	that	PRON
emaj-245	73	17	decides	decide	VERB
emaj-245	73	18	their	their	PRON
emaj-245	73	19	financial	financial	ADJ
emaj-245	73	20	position	position	NOUN
emaj-245	73	21	,	,	PUNCT
emaj-245	73	22	while	while	SCONJ
emaj-245	73	23	those	those	PRON
emaj-245	73	24	with	with	ADP
emaj-245	73	25	external	external	ADJ
emaj-245	73	26	locus	locus	NOUN
emaj-245	73	27	of	of	ADP
emaj-245	73	28	control	control	NOUN
emaj-245	73	29	attribute	attribute	VERB
emaj-245	73	30	their	their	PRON
emaj-245	73	31	financial	financial	ADJ
emaj-245	73	32	position	position	NOUN
emaj-245	73	33	not	not	PART
emaj-245	73	34	purely	purely	ADV
emaj-245	73	35	to	to	ADP
emaj-245	73	36	their	their	PRON
emaj-245	73	37	financial	financial	ADJ
emaj-245	73	38	behaviour	behaviour	NOUN
emaj-245	73	39	but	but	SCONJ
emaj-245	73	40	to	to	PART
emaj-245	73	41	chance	chance	VERB
emaj-245	73	42	,	,	PUNCT
emaj-245	73	43	luck	luck	NOUN
emaj-245	73	44	,	,	PUNCT
emaj-245	73	45	fate	fate	NOUN
emaj-245	73	46	,	,	PUNCT
emaj-245	73	47	and	and	CCONJ
emaj-245	73	48	all	all	DET
emaj-245	73	49	possible	possible	ADJ
emaj-245	73	50	external	external	ADJ
emaj-245	73	51	factors	factor	NOUN
emaj-245	73	52	.	.	PUNCT
emaj-245	74	1	according	accord	VERB
emaj-245	74	2	to	to	ADP
emaj-245	74	3	grable	grable	PROPN
emaj-245	74	4	et	et	PROPN
emaj-245	74	5	al	al	PROPN
emaj-245	74	6	.	.	PROPN
emaj-245	74	7	,	,	PUNCT
emaj-245	74	8	(	(	PUNCT
emaj-245	74	9	2009	2009	NUM
emaj-245	74	10	)	)	PUNCT
emaj-245	74	11	it	it	PRON
emaj-245	74	12	is	be	AUX
emaj-245	74	13	the	the	DET
emaj-245	74	14	people	people	NOUN
emaj-245	74	15	with	with	ADP
emaj-245	74	16	internal	internal	ADJ
emaj-245	74	17	locus	locus	NOUN
emaj-245	74	18	of	of	ADP
emaj-245	74	19	control	control	NOUN
emaj-245	74	20	who	who	PRON
emaj-245	74	21	demonstrate	demonstrate	VERB
emaj-245	74	22	more	more	ADV
emaj-245	74	23	responsible	responsible	ADJ
emaj-245	74	24	financial	financial	ADJ
emaj-245	74	25	behaviour	behaviour	NOUN
emaj-245	74	26	.	.	PUNCT
emaj-245	75	1	in	in	ADP
emaj-245	75	2	other	other	ADJ
emaj-245	75	3	words	word	NOUN
emaj-245	75	4	,	,	PUNCT
emaj-245	75	5	people	people	NOUN
emaj-245	75	6	with	with	ADP
emaj-245	75	7	external	external	ADJ
emaj-245	75	8	locus	locus	NOUN
emaj-245	75	9	of	of	ADP
emaj-245	75	10	control	control	NOUN
emaj-245	75	11	may	may	AUX
emaj-245	75	12	not	not	PART
emaj-245	75	13	demonstrate	demonstrate	VERB
emaj-245	75	14	responsible	responsible	ADJ
emaj-245	75	15	financial	financial	ADJ
emaj-245	75	16	behaviour	behaviour	NOUN
emaj-245	75	17	through	through	ADP
emaj-245	75	18	proper	proper	ADJ
emaj-245	75	19	planning	planning	NOUN
emaj-245	75	20	,	,	PUNCT
emaj-245	75	21	budgeting	budgeting	NOUN
emaj-245	75	22	and	and	CCONJ
emaj-245	75	23	financial	financial	ADJ
emaj-245	75	24	planning	planning	NOUN
emaj-245	75	25	.	.	PUNCT
emaj-245	76	1	even	even	ADV
emaj-245	76	2	though	though	SCONJ
emaj-245	76	3	locus	locus	NOUN
emaj-245	76	4	of	of	ADP
emaj-245	76	5	control	control	NOUN
emaj-245	76	6	is	be	AUX
emaj-245	76	7	an	an	DET
emaj-245	76	8	important	important	ADJ
emaj-245	76	9	determinant	determinant	NOUN
emaj-245	76	10	of	of	ADP
emaj-245	76	11	financial	financial	ADJ
emaj-245	76	12	behaviour	behaviour	NOUN
emaj-245	76	13	,	,	PUNCT
emaj-245	76	14	the	the	DET
emaj-245	76	15	research	research	NOUN
emaj-245	76	16	on	on	ADP
emaj-245	76	17	locus	locus	NOUN
emaj-245	76	18	of	of	ADP
emaj-245	76	19	control	control	NOUN
emaj-245	76	20	is	be	AUX
emaj-245	76	21	limited	limit	VERB
emaj-245	76	22	and	and	CCONJ
emaj-245	76	23	even	even	ADV
emaj-245	76	24	those	those	DET
emaj-245	76	25	studies	study	NOUN
emaj-245	76	26	which	which	PRON
emaj-245	76	27	are	be	AUX
emaj-245	76	28	available	available	ADJ
emaj-245	76	29	are	be	AUX
emaj-245	76	30	mainly	mainly	ADV
emaj-245	76	31	conducted	conduct	VERB
emaj-245	76	32	in	in	ADP
emaj-245	76	33	the	the	DET
emaj-245	76	34	context	context	NOUN
emaj-245	76	35	of	of	ADP
emaj-245	76	36	west	west	NOUN
emaj-245	76	37	.	.	PUNCT
emaj-245	77	1	further	far	ADV
emaj-245	77	2	,	,	PUNCT
emaj-245	77	3	the	the	DET
emaj-245	77	4	study	study	NOUN
emaj-245	77	5	results	result	NOUN
emaj-245	77	6	are	be	AUX
emaj-245	77	7	mixed	mixed	ADJ
emaj-245	77	8	and	and	CCONJ
emaj-245	77	9	while	while	SCONJ
emaj-245	77	10	one	one	NUM
emaj-245	77	11	group	group	NOUN
emaj-245	77	12	has	have	AUX
emaj-245	77	13	found	find	VERB
emaj-245	77	14	that	that	SCONJ
emaj-245	77	15	those	those	PRON
emaj-245	77	16	with	with	ADP
emaj-245	77	17	external	external	ADJ
emaj-245	77	18	locus	locus	NOUN
emaj-245	77	19	of	of	ADP
emaj-245	77	20	control	control	NOUN
emaj-245	77	21	are	be	AUX
emaj-245	77	22	more	more	ADV
emaj-245	77	23	likely	likely	ADJ
emaj-245	77	24	to	to	PART
emaj-245	77	25	have	have	VERB
emaj-245	77	26	higher	high	ADJ
emaj-245	77	27	debt	debt	NOUN
emaj-245	77	28	(	(	PUNCT
emaj-245	77	29	lunt	lunt	PROPN
emaj-245	77	30	and	and	CCONJ
emaj-245	77	31	livingstone	livingstone	PROPN
emaj-245	77	32	,	,	PUNCT
emaj-245	77	33	1991	1991	NUM
emaj-245	77	34	and	and	CCONJ
emaj-245	77	35	cosma	cosma	PROPN
emaj-245	77	36	et	et	PROPN
emaj-245	77	37	al	al	PROPN
emaj-245	77	38	.	.	PROPN
emaj-245	77	39	,	,	PUNCT
emaj-245	77	40	2010	2010	NUM
emaj-245	77	41	)	)	PUNCT
emaj-245	77	42	,	,	PUNCT
emaj-245	77	43	another	another	DET
emaj-245	77	44	group	group	NOUN
emaj-245	77	45	of	of	ADP
emaj-245	77	46	researchers	researcher	NOUN
emaj-245	77	47	(	(	PUNCT
emaj-245	77	48	nyhus	nyhu	NOUN
emaj-245	77	49	et	et	PROPN
emaj-245	77	50	al	al	PROPN
emaj-245	77	51	.	.	PROPN
emaj-245	77	52	,	,	PUNCT
emaj-245	77	53	2001	2001	NUM
emaj-245	77	54	and	and	CCONJ
emaj-245	77	55	wang	wang	PROPN
emaj-245	77	56	,	,	PUNCT
emaj-245	77	57	2011	2011	NUM
emaj-245	77	58	)	)	PUNCT
emaj-245	77	59	have	have	AUX
emaj-245	77	60	found	find	VERB
emaj-245	77	61	that	that	SCONJ
emaj-245	77	62	those	those	PRON
emaj-245	77	63	with	with	ADP
emaj-245	77	64	internal	internal	ADJ
emaj-245	77	65	locus	locus	NOUN
emaj-245	77	66	of	of	ADP
emaj-245	77	67	control	control	NOUN
emaj-245	77	68	have	have	VERB
emaj-245	77	69	more	more	ADJ
emaj-245	77	70	debt	debt	NOUN
emaj-245	77	71	and	and	CCONJ
emaj-245	77	72	it	it	PRON
emaj-245	77	73	is	be	AUX
emaj-245	77	74	justified	justify	VERB
emaj-245	77	75	that	that	SCONJ
emaj-245	77	76	as	as	SCONJ
emaj-245	77	77	they	they	PRON
emaj-245	77	78	are	be	AUX
emaj-245	77	79	more	more	ADV
emaj-245	77	80	confident	confident	ADJ
emaj-245	77	81	of	of	ADP
emaj-245	77	82	managing	manage	VERB
emaj-245	77	83	their	their	PRON
emaj-245	77	84	debts	debt	NOUN
emaj-245	77	85	,	,	PUNCT
emaj-245	77	86	they	they	PRON
emaj-245	77	87	can	can	AUX
emaj-245	77	88	incur	incur	VERB
emaj-245	77	89	more	more	ADJ
emaj-245	77	90	debt	debt	NOUN
emaj-245	77	91	.	.	PUNCT
emaj-245	78	1	it	it	PRON
emaj-245	78	2	is	be	AUX
emaj-245	78	3	interesting	interesting	ADJ
emaj-245	78	4	to	to	PART
emaj-245	78	5	note	note	VERB
emaj-245	78	6	that	that	SCONJ
emaj-245	78	7	a	a	DET
emaj-245	78	8	group	group	NOUN
emaj-245	78	9	of	of	ADP
emaj-245	78	10	researchers	researcher	NOUN
emaj-245	78	11	have	have	AUX
emaj-245	78	12	even	even	ADV
emaj-245	78	13	proved	prove	VERB
emaj-245	78	14	that	that	SCONJ
emaj-245	78	15	external	external	ADJ
emaj-245	78	16	locus	locus	NOUN
emaj-245	78	17	of	of	ADP
emaj-245	78	18	control	control	NOUN
emaj-245	78	19	is	be	AUX
emaj-245	78	20	negatively	negatively	ADV
emaj-245	78	21	related	relate	VERB
emaj-245	78	22	to	to	ADP
emaj-245	78	23	both	both	DET
emaj-245	78	24	financial	financial	ADJ
emaj-245	78	25	behaviour	behaviour	NOUN
emaj-245	78	26	and	and	CCONJ
emaj-245	78	27	volume	volume	NOUN
emaj-245	78	28	12	12	NUM
emaj-245	78	29	no	no	DET
emaj-245	78	30	1	1	NUM
emaj-245	78	31	(	(	PUNCT
emaj-245	78	32	2022	2022	NUM
emaj-245	78	33	)	)	PUNCT
emaj-245	78	34	|	|	ADV
emaj-245	78	35	issn	issn	VERB
emaj-245	78	36	2158	2158	NUM
emaj-245	78	37	-	-	SYM
emaj-245	78	38	8708	8708	NUM
emaj-245	78	39	(	(	PUNCT
emaj-245	78	40	online	online	NOUN
emaj-245	78	41	)	)	PUNCT
emaj-245	78	42	|	|	ADV
emaj-245	78	43	doi	doi	X
emaj-245	78	44	10.5195	10.5195	NUM
emaj-245	78	45	/	/	SYM
emaj-245	78	46	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	79	1	|	|	NOUN
emaj-245	79	2	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-245	79	3	girish	girish	PROPN
emaj-245	79	4	karunakaran	karunakaran	PROPN
emaj-245	79	5	nair	nair	PROPN
emaj-245	79	6	emerging	emerge	VERB
emaj-245	79	7	markets	market	NOUN
emaj-245	79	8	journal	journal	NOUN
emaj-245	79	9	|	|	ADV
emaj-245	79	10	p	p	NOUN
emaj-245	79	11	a	a	DET
emaj-245	79	12	g	g	NOUN
emaj-245	79	13	e	e	X
emaj-245	79	14	|61	|61	ADJ
emaj-245	79	15	financial	financial	ADJ
emaj-245	79	16	position	position	NOUN
emaj-245	79	17	(	(	PUNCT
emaj-245	79	18	perry	perry	PROPN
emaj-245	79	19	et	et	PROPN
emaj-245	79	20	al	al	PROPN
emaj-245	79	21	.	.	PROPN
emaj-245	79	22	,	,	PUNCT
emaj-245	79	23	2005	2005	NUM
emaj-245	79	24	)	)	PUNCT
emaj-245	79	25	.	.	PUNCT
emaj-245	80	1	thus	thus	ADV
emaj-245	80	2	,	,	PUNCT
emaj-245	80	3	it	it	PRON
emaj-245	80	4	is	be	AUX
emaj-245	80	5	evident	evident	ADJ
emaj-245	80	6	that	that	SCONJ
emaj-245	80	7	the	the	DET
emaj-245	80	8	research	research	NOUN
emaj-245	80	9	on	on	ADP
emaj-245	80	10	the	the	DET
emaj-245	80	11	influence	influence	NOUN
emaj-245	80	12	of	of	ADP
emaj-245	80	13	locus	locus	NOUN
emaj-245	80	14	of	of	ADP
emaj-245	80	15	control	control	NOUN
emaj-245	80	16	on	on	ADP
emaj-245	80	17	the	the	DET
emaj-245	80	18	financial	financial	ADJ
emaj-245	80	19	behaviour	behaviour	NOUN
emaj-245	80	20	and	and	CCONJ
emaj-245	80	21	financial	financial	ADJ
emaj-245	80	22	position	position	NOUN
emaj-245	80	23	needs	need	VERB
emaj-245	80	24	further	further	ADJ
emaj-245	80	25	investigation	investigation	NOUN
emaj-245	80	26	to	to	PART
emaj-245	80	27	arrive	arrive	VERB
emaj-245	80	28	at	at	ADP
emaj-245	80	29	a	a	DET
emaj-245	80	30	meaningful	meaningful	ADJ
emaj-245	80	31	conclusion	conclusion	NOUN
emaj-245	80	32	(	(	PUNCT
emaj-245	80	33	figure	figure	NOUN
emaj-245	80	34	2	2	NUM
emaj-245	80	35	)	)	PUNCT
emaj-245	80	36	.	.	PUNCT
emaj-245	81	1	figure	figure	NOUN
emaj-245	81	2	2	2	NUM
emaj-245	81	3	.	.	PUNCT
emaj-245	82	1	the	the	DET
emaj-245	82	2	conceptual	conceptual	ADJ
emaj-245	82	3	model	model	NOUN
emaj-245	82	4	source	source	NOUN
emaj-245	82	5	:	:	PUNCT
emaj-245	82	6	authors	author	NOUN
emaj-245	82	7	’	'	PUNCT
emaj-245	82	8	own	own	ADJ
emaj-245	82	9	compilation	compilation	NOUN
emaj-245	82	10	iii	iii	PROPN
emaj-245	82	11	.	.	PUNCT
emaj-245	82	12	research	research	NOUN
emaj-245	82	13	methodology	methodology	NOUN
emaj-245	82	14	research	research	NOUN
emaj-245	82	15	design	design	VERB
emaj-245	82	16	the	the	DET
emaj-245	82	17	concept	concept	NOUN
emaj-245	82	18	of	of	ADP
emaj-245	82	19	meta	meta	ADJ
emaj-245	82	20	-	-	PUNCT
emaj-245	82	21	analysis	analysis	NOUN
emaj-245	82	22	was	be	AUX
emaj-245	82	23	used	use	VERB
emaj-245	82	24	to	to	PART
emaj-245	82	25	screen	screen	VERB
emaj-245	82	26	the	the	DET
emaj-245	82	27	dimensions	dimension	NOUN
emaj-245	82	28	of	of	ADP
emaj-245	82	29	the	the	DET
emaj-245	82	30	study	study	NOUN
emaj-245	82	31	.	.	PUNCT
emaj-245	83	1	the	the	DET
emaj-245	83	2	approach	approach	NOUN
emaj-245	83	3	of	of	ADP
emaj-245	83	4	this	this	DET
emaj-245	83	5	study	study	NOUN
emaj-245	83	6	was	be	AUX
emaj-245	83	7	mainly	mainly	ADV
emaj-245	83	8	quantitative	quantitative	ADJ
emaj-245	83	9	and	and	CCONJ
emaj-245	83	10	to	to	ADP
emaj-245	83	11	some	some	DET
emaj-245	83	12	extent	extent	NOUN
emaj-245	83	13	qualitative	qualitative	NOUN
emaj-245	83	14	in	in	ADP
emaj-245	83	15	nature	nature	NOUN
emaj-245	83	16	and	and	CCONJ
emaj-245	83	17	it	it	PRON
emaj-245	83	18	was	be	AUX
emaj-245	83	19	exploratory	exploratory	ADJ
emaj-245	83	20	and	and	CCONJ
emaj-245	83	21	‘	'	PUNCT
emaj-245	83	22	ex	ex	X
emaj-245	83	23	post	post	X
emaj-245	83	24	facto	facto	X
emaj-245	83	25	’	'	PUNCT
emaj-245	83	26	kind	kind	NOUN
emaj-245	83	27	of	of	ADP
emaj-245	83	28	research	research	NOUN
emaj-245	83	29	(	(	PUNCT
emaj-245	83	30	creswell	creswell	PROPN
emaj-245	83	31	,	,	PUNCT
emaj-245	83	32	2008	2008	NUM
emaj-245	83	33	)	)	PUNCT
emaj-245	83	34	,	,	PUNCT
emaj-245	83	35	the	the	DET
emaj-245	83	36	concepts	concept	NOUN
emaj-245	83	37	and	and	CCONJ
emaj-245	83	38	models	model	NOUN
emaj-245	83	39	evolved	evolve	VERB
emaj-245	83	40	as	as	SCONJ
emaj-245	83	41	the	the	DET
emaj-245	83	42	research	research	NOUN
emaj-245	83	43	made	make	VERB
emaj-245	83	44	progress	progress	NOUN
emaj-245	83	45	both	both	CCONJ
emaj-245	83	46	in	in	ADP
emaj-245	83	47	terms	term	NOUN
emaj-245	83	48	of	of	ADP
emaj-245	83	49	literature	literature	NOUN
emaj-245	83	50	review	review	NOUN
emaj-245	83	51	and	and	CCONJ
emaj-245	83	52	field	field	NOUN
emaj-245	83	53	work	work	NOUN
emaj-245	83	54	with	with	ADP
emaj-245	83	55	the	the	DET
emaj-245	83	56	households	household	NOUN
emaj-245	83	57	in	in	ADP
emaj-245	83	58	qatar	qatar	NOUN
emaj-245	83	59	.	.	PUNCT
emaj-245	84	1	the	the	DET
emaj-245	84	2	secondary	secondary	ADJ
emaj-245	84	3	sources	source	NOUN
emaj-245	84	4	such	such	ADJ
emaj-245	84	5	as	as	ADP
emaj-245	84	6	journals	journal	NOUN
emaj-245	84	7	and	and	CCONJ
emaj-245	84	8	conference	conference	NOUN
emaj-245	84	9	proceedings	proceeding	NOUN
emaj-245	84	10	were	be	AUX
emaj-245	84	11	used	use	VERB
emaj-245	84	12	to	to	PART
emaj-245	84	13	collect	collect	VERB
emaj-245	84	14	the	the	DET
emaj-245	84	15	qualitative	qualitative	ADJ
emaj-245	84	16	data	datum	NOUN
emaj-245	84	17	and	and	CCONJ
emaj-245	84	18	questionnaire	questionnaire	NOUN
emaj-245	84	19	with	with	ADP
emaj-245	84	20	5	5	NUM
emaj-245	84	21	-	-	PUNCT
emaj-245	84	22	point	point	NOUN
emaj-245	84	23	likert	likert	ADJ
emaj-245	84	24	scale	scale	NOUN
emaj-245	84	25	was	be	AUX
emaj-245	84	26	used	use	VERB
emaj-245	84	27	for	for	ADP
emaj-245	84	28	collecting	collect	VERB
emaj-245	84	29	the	the	DET
emaj-245	84	30	quantitative	quantitative	ADJ
emaj-245	84	31	data	datum	NOUN
emaj-245	84	32	.	.	PUNCT
emaj-245	85	1	score	score	NOUN
emaj-245	85	2	of	of	ADP
emaj-245	85	3	5	5	NUM
emaj-245	85	4	indicated	indicate	VERB
emaj-245	85	5	strong	strong	ADJ
emaj-245	85	6	agreement	agreement	NOUN
emaj-245	85	7	and	and	CCONJ
emaj-245	85	8	1	1	NUM
emaj-245	85	9	indicated	indicate	VERB
emaj-245	85	10	strong	strong	ADJ
emaj-245	85	11	disagreement	disagreement	NOUN
emaj-245	85	12	with	with	ADP
emaj-245	85	13	the	the	DET
emaj-245	85	14	intermediate	intermediate	ADJ
emaj-245	85	15	scores	score	NOUN
emaj-245	85	16	varying	vary	VERB
emaj-245	85	17	evenly	evenly	ADV
emaj-245	85	18	in	in	ADP
emaj-245	85	19	between	between	ADP
emaj-245	85	20	these	these	DET
emaj-245	85	21	two	two	NUM
emaj-245	85	22	extremes	extreme	NOUN
emaj-245	85	23	.	.	PUNCT
emaj-245	86	1	structural	structural	ADJ
emaj-245	86	2	equation	equation	NOUN
emaj-245	86	3	modelling	modelling	NOUN
emaj-245	86	4	(	(	PUNCT
emaj-245	86	5	sem	sem	NOUN
emaj-245	86	6	)	)	PUNCT
emaj-245	86	7	was	be	AUX
emaj-245	86	8	used	use	VERB
emaj-245	86	9	for	for	ADP
emaj-245	86	10	confirmatory	confirmatory	ADJ
emaj-245	86	11	factor	factor	NOUN
emaj-245	86	12	analysis	analysis	NOUN
emaj-245	86	13	,	,	PUNCT
emaj-245	86	14	regression	regression	NOUN
emaj-245	86	15	and	and	CCONJ
emaj-245	86	16	hypothesis	hypothesis	NOUN
emaj-245	86	17	testing	testing	NOUN
emaj-245	86	18	using	use	VERB
emaj-245	86	19	path	path	NOUN
emaj-245	86	20	modelling	modelling	NOUN
emaj-245	86	21	approach	approach	NOUN
emaj-245	86	22	.	.	PUNCT
emaj-245	87	1	the	the	DET
emaj-245	87	2	quantitative	quantitative	ADJ
emaj-245	87	3	analysis	analysis	NOUN
emaj-245	87	4	involved	involve	VERB
emaj-245	87	5	mainly	mainly	ADV
emaj-245	87	6	statistical	statistical	ADJ
emaj-245	87	7	analysis	analysis	NOUN
emaj-245	87	8	,	,	PUNCT
emaj-245	87	9	which	which	PRON
emaj-245	87	10	had	have	VERB
emaj-245	87	11	the	the	DET
emaj-245	87	12	distinct	distinct	ADJ
emaj-245	87	13	components	component	NOUN
emaj-245	87	14	of	of	ADP
emaj-245	87	15	descriptive	descriptive	ADJ
emaj-245	87	16	statistics	statistic	NOUN
emaj-245	87	17	and	and	CCONJ
emaj-245	87	18	inferential	inferential	ADJ
emaj-245	87	19	statistics	statistic	NOUN
emaj-245	87	20	.	.	PUNCT
emaj-245	88	1	descriptive	descriptive	ADJ
emaj-245	88	2	statistics	statistic	NOUN
emaj-245	88	3	provided	provide	VERB
emaj-245	88	4	the	the	DET
emaj-245	88	5	general	general	ADJ
emaj-245	88	6	idea	idea	NOUN
emaj-245	88	7	about	about	ADP
emaj-245	88	8	the	the	DET
emaj-245	88	9	sample	sample	NOUN
emaj-245	88	10	demographics	demographic	NOUN
emaj-245	88	11	,	,	PUNCT
emaj-245	88	12	sample	sample	NOUN
emaj-245	88	13	normality	normality	NOUN
emaj-245	88	14	study	study	NOUN
emaj-245	88	15	using	use	VERB
emaj-245	88	16	skewness	skewness	NOUN
emaj-245	88	17	and	and	CCONJ
emaj-245	88	18	kurtosis	kurtosis	VERB
emaj-245	88	19	measures	measure	NOUN
emaj-245	88	20	and	and	CCONJ
emaj-245	88	21	the	the	DET
emaj-245	88	22	overall	overall	ADJ
emaj-245	88	23	perceptions	perception	NOUN
emaj-245	88	24	.	.	PUNCT
emaj-245	89	1	the	the	DET
emaj-245	89	2	inferential	inferential	ADJ
emaj-245	89	3	statistics	statistic	NOUN
emaj-245	89	4	was	be	AUX
emaj-245	89	5	used	use	VERB
emaj-245	89	6	for	for	ADP
emaj-245	89	7	drawing	draw	VERB
emaj-245	89	8	the	the	DET
emaj-245	89	9	inferences	inference	NOUN
emaj-245	89	10	of	of	ADP
emaj-245	89	11	the	the	DET
emaj-245	89	12	study	study	NOUN
emaj-245	89	13	mainly	mainly	ADV
emaj-245	89	14	with	with	ADP
emaj-245	89	15	reference	reference	NOUN
emaj-245	89	16	to	to	ADP
emaj-245	89	17	hypothesis	hypothesis	NOUN
emaj-245	89	18	testing	testing	NOUN
emaj-245	89	19	.	.	PUNCT
emaj-245	90	1	questionnaire	questionnaire	NOUN
emaj-245	90	2	development	development	NOUN
emaj-245	90	3	the	the	DET
emaj-245	90	4	development	development	NOUN
emaj-245	90	5	of	of	ADP
emaj-245	90	6	the	the	DET
emaj-245	90	7	metric	metric	NOUN
emaj-245	90	8	in	in	ADP
emaj-245	90	9	the	the	DET
emaj-245	90	10	form	form	NOUN
emaj-245	90	11	of	of	ADP
emaj-245	90	12	a	a	DET
emaj-245	90	13	questionnaire	questionnaire	NOUN
emaj-245	90	14	entailed	entail	VERB
emaj-245	90	15	a	a	DET
emaj-245	90	16	four	four	NUM
emaj-245	90	17	-	-	PUNCT
emaj-245	90	18	stage	stage	NOUN
emaj-245	90	19	approach	approach	NOUN
emaj-245	90	20	including	include	VERB
emaj-245	90	21	meta	meta	NOUN
emaj-245	90	22	-	-	PUNCT
emaj-245	90	23	analysis	analysis	NOUN
emaj-245	90	24	of	of	ADP
emaj-245	90	25	literature	literature	NOUN
emaj-245	90	26	,	,	PUNCT
emaj-245	90	27	informal	informal	ADJ
emaj-245	90	28	interviews	interview	NOUN
emaj-245	90	29	with	with	ADP
emaj-245	90	30	households	household	NOUN
emaj-245	90	31	in	in	ADP
emaj-245	90	32	qatar	qatar	NOUN
emaj-245	90	33	,	,	PUNCT
emaj-245	90	34	questionnaire	questionnaire	NOUN
emaj-245	90	35	development	development	NOUN
emaj-245	90	36	and	and	CCONJ
emaj-245	90	37	pilot	pilot	NOUN
emaj-245	90	38	testing	testing	NOUN
emaj-245	90	39	of	of	ADP
emaj-245	90	40	the	the	DET
emaj-245	90	41	questionnaire	questionnaire	NOUN
emaj-245	90	42	.	.	PUNCT
emaj-245	91	1	the	the	DET
emaj-245	91	2	households	household	NOUN
emaj-245	91	3	chosen	choose	VERB
emaj-245	91	4	were	be	AUX
emaj-245	91	5	spread	spread	VERB
emaj-245	91	6	across	across	ADP
emaj-245	91	7	qatar	qatar	NOUN
emaj-245	91	8	.	.	PUNCT
emaj-245	92	1	the	the	DET
emaj-245	92	2	reason	reason	NOUN
emaj-245	92	3	for	for	ADP
emaj-245	92	4	this	this	DET
emaj-245	92	5	selection	selection	NOUN
emaj-245	92	6	was	be	AUX
emaj-245	92	7	to	to	PART
emaj-245	92	8	study	study	VERB
emaj-245	92	9	the	the	DET
emaj-245	92	10	influences	influence	NOUN
emaj-245	92	11	of	of	ADP
emaj-245	92	12	external	external	ADJ
emaj-245	92	13	factors	factor	NOUN
emaj-245	92	14	across	across	ADP
emaj-245	92	15	the	the	DET
emaj-245	92	16	cross	cross	NOUN
emaj-245	92	17	section	section	NOUN
emaj-245	92	18	of	of	ADP
emaj-245	92	19	the	the	DET
emaj-245	92	20	society	society	NOUN
emaj-245	92	21	.	.	PUNCT
emaj-245	93	1	data	datum	NOUN
emaj-245	93	2	collection	collection	NOUN
emaj-245	93	3	was	be	AUX
emaj-245	93	4	through	through	ADP
emaj-245	93	5	electronic	electronic	ADJ
emaj-245	93	6	means	mean	NOUN
emaj-245	93	7	as	as	ADV
emaj-245	93	8	well	well	ADV
emaj-245	93	9	as	as	ADP
emaj-245	93	10	personal	personal	ADJ
emaj-245	93	11	distribution	distribution	NOUN
emaj-245	93	12	of	of	ADP
emaj-245	93	13	the	the	DET
emaj-245	93	14	questionnaire	questionnaire	NOUN
emaj-245	93	15	.	.	PUNCT
emaj-245	94	1	table	table	NOUN
emaj-245	94	2	1	1	NUM
emaj-245	94	3	summarizes	summarize	NOUN
emaj-245	94	4	the	the	DET
emaj-245	94	5	research	research	NOUN
emaj-245	94	6	constructs	construct	VERB
emaj-245	94	7	,	,	PUNCT
emaj-245	95	1	authors	author	NOUN
emaj-245	95	2	,	,	PUNCT
emaj-245	95	3	description	description	NOUN
emaj-245	95	4	and	and	CCONJ
emaj-245	95	5	sample	sample	NOUN
emaj-245	95	6	items	item	NOUN
emaj-245	95	7	.	.	PUNCT
emaj-245	96	1	table	table	NOUN
emaj-245	96	2	1	1	NUM
emaj-245	96	3	:	:	PUNCT
emaj-245	96	4	research	research	NOUN
emaj-245	96	5	construct	construct	NOUN
emaj-245	96	6	,	,	PUNCT
emaj-245	96	7	author	author	NOUN
emaj-245	96	8	,	,	PUNCT
emaj-245	96	9	meaning	meaning	NOUN
emaj-245	96	10	and	and	CCONJ
emaj-245	96	11	the	the	DET
emaj-245	96	12	sample	sample	NOUN
emaj-245	96	13	item	item	NOUN
emaj-245	96	14	in	in	ADP
emaj-245	96	15	questionnaire	questionnaire	NOUN
emaj-245	96	16	research	research	NOUN
emaj-245	96	17	construct	construct	NOUN
emaj-245	96	18	author	author	NOUN
emaj-245	96	19	meaning	mean	VERB
emaj-245	96	20	sample	sample	NOUN
emaj-245	96	21	item	item	NOUN
emaj-245	96	22	locus	locus	NOUN
emaj-245	96	23	of	of	ADP
emaj-245	96	24	control	control	NOUN
emaj-245	96	25	gohari	gohari	PROPN
emaj-245	96	26	et	et	PROPN
emaj-245	96	27	al	al	PROPN
emaj-245	96	28	.	.	PROPN
emaj-245	96	29	,	,	PUNCT
emaj-245	96	30	(	(	PUNCT
emaj-245	96	31	2014	2014	NUM
emaj-245	96	32	)	)	PUNCT
emaj-245	96	33	,	,	PUNCT
emaj-245	96	34	cobbclark	cobbclark	NOUN
emaj-245	96	35	,	,	PUNCT
emaj-245	96	36	(	(	PUNCT
emaj-245	96	37	2015	2015	NUM
emaj-245	96	38	)	)	PUNCT
emaj-245	96	39	it	it	PRON
emaj-245	96	40	reflects	reflect	VERB
emaj-245	96	41	upon	upon	SCONJ
emaj-245	96	42	the	the	DET
emaj-245	96	43	ability	ability	NOUN
emaj-245	96	44	of	of	ADP
emaj-245	96	45	the	the	DET
emaj-245	96	46	individual	individual	NOUN
emaj-245	96	47	to	to	PART
emaj-245	96	48	be	be	AUX
emaj-245	96	49	positive	positive	ADJ
emaj-245	96	50	about	about	ADP
emaj-245	96	51	the	the	DET
emaj-245	96	52	achievement	achievement	NOUN
emaj-245	96	53	of	of	ADP
emaj-245	96	54	the	the	DET
emaj-245	96	55	intended	intend	VERB
emaj-245	96	56	outcome	outcome	NOUN
emaj-245	96	57	which	which	PRON
emaj-245	96	58	is	be	AUX
emaj-245	96	59	the	the	DET
emaj-245	96	60	financial	financial	ADJ
emaj-245	96	61	position	position	NOUN
emaj-245	96	62	.	.	PUNCT
emaj-245	97	1	when	when	SCONJ
emaj-245	97	2	i	i	PRON
emaj-245	97	3	make	make	VERB
emaj-245	97	4	financial	financial	ADJ
emaj-245	97	5	plans	plan	NOUN
emaj-245	97	6	,	,	PUNCT
emaj-245	97	7	i	i	PRON
emaj-245	97	8	am	be	AUX
emaj-245	97	9	sure	sure	ADJ
emaj-245	97	10	i	i	PRON
emaj-245	97	11	will	will	AUX
emaj-245	97	12	make	make	VERB
emaj-245	97	13	them	they	PRON
emaj-245	97	14	work	work	VERB
emaj-245	97	15	.	.	PUNCT
emaj-245	98	1	income	income	NOUN
emaj-245	98	2	joo	joo	PROPN
emaj-245	98	3	et	et	PROPN
emaj-245	98	4	al	al	PROPN
emaj-245	98	5	.	.	PROPN
emaj-245	98	6	,	,	PUNCT
emaj-245	98	7	(	(	PUNCT
emaj-245	98	8	2004	2004	NUM
emaj-245	98	9	)	)	PUNCT
emaj-245	98	10	,	,	PUNCT
emaj-245	98	11	perry	perry	PROPN
emaj-245	98	12	et	et	PROPN
emaj-245	98	13	al	al	PROPN
emaj-245	98	14	.	.	PROPN
emaj-245	99	1	(	(	PUNCT
emaj-245	99	2	2005	2005	NUM
emaj-245	99	3	)	)	PUNCT
emaj-245	99	4	,	,	PUNCT
emaj-245	99	5	zakaria	zakaria	PROPN
emaj-245	99	6	(	(	PUNCT
emaj-245	99	7	2012	2012	NUM
emaj-245	99	8	)	)	PUNCT
emaj-245	99	9	.	.	PUNCT
emaj-245	100	1	the	the	DET
emaj-245	100	2	position	position	NOUN
emaj-245	100	3	of	of	ADP
emaj-245	100	4	the	the	DET
emaj-245	100	5	household	household	NOUN
emaj-245	100	6	in	in	ADP
emaj-245	100	7	terms	term	NOUN
emaj-245	100	8	of	of	ADP
emaj-245	100	9	earning	earn	VERB
emaj-245	100	10	potential	potential	NOUN
emaj-245	100	11	in	in	ADP
emaj-245	100	12	the	the	DET
emaj-245	100	13	society	society	NOUN
emaj-245	100	14	.	.	PUNCT
emaj-245	101	1	my	my	PRON
emaj-245	101	2	income	income	NOUN
emaj-245	101	3	per	per	ADP
emaj-245	101	4	month	month	NOUN
emaj-245	101	5	is	be	AUX
emaj-245	101	6	above	above	ADP
emaj-245	101	7	20,00030,000	20,00030,000	NUM
emaj-245	101	8	qar	qar	NOUN
emaj-245	101	9	financial	financial	ADJ
emaj-245	101	10	knowledge	knowledge	PROPN
emaj-245	101	11	avard	avard	PROPN
emaj-245	101	12	et	et	PROPN
emaj-245	101	13	al	al	PROPN
emaj-245	101	14	.	.	PROPN
emaj-245	101	15	,	,	PUNCT
emaj-245	101	16	(	(	PUNCT
emaj-245	101	17	2005	2005	NUM
emaj-245	101	18	)	)	PUNCT
emaj-245	101	19	,	,	PUNCT
emaj-245	101	20	robb	robb	NOUN
emaj-245	101	21	,	,	PUNCT
emaj-245	101	22	and	and	CCONJ
emaj-245	101	23	woodyard	woodyard	PROPN
emaj-245	101	24	(	(	PUNCT
emaj-245	101	25	2011	2011	NUM
emaj-245	101	26	)	)	PUNCT
emaj-245	101	27	,	,	PUNCT
emaj-245	101	28	agarwalla	agarwalla	NOUN
emaj-245	101	29	et	et	PROPN
emaj-245	101	30	al	al	PROPN
emaj-245	101	31	.	.	PROPN
emaj-245	101	32	,	,	PUNCT
emaj-245	101	33	(	(	PUNCT
emaj-245	101	34	2012	2012	NUM
emaj-245	101	35	)	)	PUNCT
emaj-245	101	36	,	,	PUNCT
emaj-245	101	37	it	it	PRON
emaj-245	101	38	is	be	AUX
emaj-245	101	39	the	the	DET
emaj-245	101	40	ability	ability	NOUN
emaj-245	101	41	to	to	PART
emaj-245	101	42	understand	understand	VERB
emaj-245	101	43	how	how	SCONJ
emaj-245	101	44	money	money	NOUN
emaj-245	101	45	works	work	VERB
emaj-245	101	46	,	,	PUNCT
emaj-245	101	47	how	how	SCONJ
emaj-245	101	48	to	to	PART
emaj-245	101	49	manage	manage	VERB
emaj-245	101	50	it	it	PRON
emaj-245	101	51	to	to	PART
emaj-245	101	52	earn	earn	VERB
emaj-245	101	53	or	or	CCONJ
emaj-245	101	54	make	make	VERB
emaj-245	101	55	it	it	PRON
emaj-245	101	56	,	,	PUNCT
emaj-245	101	57	how	how	SCONJ
emaj-245	101	58	to	to	PART
emaj-245	101	59	invest	invest	VERB
emaj-245	101	60	it	it	PRON
emaj-245	101	61	and	and	CCONJ
emaj-245	101	62	how	how	SCONJ
emaj-245	101	63	t	t	NOUN
emaj-245	101	64	donates	donate	VERB
emaj-245	101	65	it	it	PRON
emaj-245	101	66	to	to	PART
emaj-245	101	67	help	help	VERB
emaj-245	101	68	others	other	NOUN
emaj-245	101	69	.	.	PUNCT
emaj-245	102	1	it	it	PRON
emaj-245	102	2	also	also	ADV
emaj-245	102	3	refers	refer	VERB
emaj-245	102	4	to	to	ADP
emaj-245	102	5	the	the	DET
emaj-245	102	6	knowledge	knowledge	NOUN
emaj-245	102	7	about	about	ADP
emaj-245	102	8	the	the	DET
emaj-245	102	9	interest	interest	NOUN
emaj-245	102	10	rate	rate	NOUN
emaj-245	102	11	,	,	PUNCT
emaj-245	102	12	cost	cost	NOUN
emaj-245	102	13	,	,	PUNCT
emaj-245	102	14	prices	price	NOUN
emaj-245	102	15	,	,	PUNCT
emaj-245	102	16	discount	discount	NOUN
emaj-245	102	17	rate	rate	NOUN
emaj-245	102	18	,	,	PUNCT
emaj-245	102	19	and	and	CCONJ
emaj-245	102	20	the	the	DET
emaj-245	102	21	time	time	NOUN
emaj-245	102	22	horizons	horizon	NOUN
emaj-245	102	23	i	i	PRON
emaj-245	102	24	do	do	AUX
emaj-245	102	25	not	not	PART
emaj-245	102	26	believe	believe	VERB
emaj-245	102	27	in	in	ADP
emaj-245	102	28	holding	hold	VERB
emaj-245	102	29	3	3	NUM
emaj-245	102	30	to	to	PART
emaj-245	102	31	4	4	NUM
emaj-245	102	32	credit	credit	NOUN
emaj-245	102	33	cards	card	NOUN
emaj-245	102	34	which	which	PRON
emaj-245	102	35	my	my	PRON
emaj-245	102	36	financial	financial	ADJ
emaj-245	102	37	position	position	NOUN
emaj-245	102	38	does	do	AUX
emaj-245	102	39	not	not	PART
emaj-245	102	40	support	support	VERB
emaj-245	102	41	.	.	PUNCT
emaj-245	103	1	financial	financial	ADJ
emaj-245	103	2	behaviour	behaviour	NOUN
emaj-245	103	3	joo	joo	PROPN
emaj-245	103	4	et	et	PROPN
emaj-245	103	5	al	al	PROPN
emaj-245	103	6	.	.	PROPN
emaj-245	103	7	,	,	PUNCT
emaj-245	103	8	(	(	PUNCT
emaj-245	103	9	2004	2004	NUM
emaj-245	103	10	)	)	PUNCT
emaj-245	103	11	,	,	PUNCT
emaj-245	103	12	hobman	hobman	NOUN
emaj-245	103	13	et	et	PROPN
emaj-245	103	14	al	al	PROPN
emaj-245	103	15	.	.	PROPN
emaj-245	103	16	,	,	PUNCT
emaj-245	103	17	(	(	PUNCT
emaj-245	103	18	2010	2010	NUM
emaj-245	103	19	)	)	PUNCT
emaj-245	103	20	,	,	PUNCT
emaj-245	103	21	zakaria	zakaria	PROPN
emaj-245	103	22	(	(	PUNCT
emaj-245	103	23	2012	2012	NUM
emaj-245	103	24	)	)	PUNCT
emaj-245	104	1	,	,	PUNCT
emaj-245	104	2	it	it	PRON
emaj-245	104	3	is	be	AUX
emaj-245	104	4	the	the	DET
emaj-245	104	5	behaviour	behaviour	NOUN
emaj-245	104	6	which	which	PRON
emaj-245	104	7	prompts	prompt	VERB
emaj-245	104	8	an	an	DET
emaj-245	104	9	individual	individual	NOUN
emaj-245	104	10	to	to	PART
emaj-245	104	11	take	take	VERB
emaj-245	104	12	a	a	DET
emaj-245	104	13	stand	stand	NOUN
emaj-245	104	14	regarding	regard	VERB
emaj-245	104	15	the	the	DET
emaj-245	104	16	investment	investment	NOUN
emaj-245	104	17	or	or	CCONJ
emaj-245	104	18	spending	spending	NOUN
emaj-245	104	19	of	of	ADP
emaj-245	104	20	money	money	NOUN
emaj-245	104	21	.	.	PUNCT
emaj-245	105	1	i	i	PRON
emaj-245	105	2	have	have	VERB
emaj-245	105	3	plans	plan	NOUN
emaj-245	105	4	to	to	PART
emaj-245	105	5	set	set	VERB
emaj-245	105	6	money	money	NOUN
emaj-245	105	7	for	for	ADP
emaj-245	105	8	retirement	retirement	NOUN
emaj-245	105	9	.	.	PUNCT
emaj-245	106	1	volume	volume	NOUN
emaj-245	106	2	12	12	NUM
emaj-245	106	3	no	no	DET
emaj-245	106	4	1	1	NUM
emaj-245	106	5	(	(	PUNCT
emaj-245	106	6	2022	2022	NUM
emaj-245	106	7	)	)	PUNCT
emaj-245	106	8	|	|	ADV
emaj-245	106	9	issn	issn	VERB
emaj-245	106	10	2158	2158	NUM
emaj-245	106	11	-	-	SYM
emaj-245	106	12	8708	8708	NUM
emaj-245	106	13	(	(	PUNCT
emaj-245	106	14	online	online	NOUN
emaj-245	106	15	)	)	PUNCT
emaj-245	106	16	|	|	ADV
emaj-245	106	17	doi	doi	X
emaj-245	106	18	10.5195	10.5195	NUM
emaj-245	106	19	/	/	SYM
emaj-245	106	20	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	107	1	|	|	NOUN
emaj-245	107	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-245	107	3	dynamics	dynamic	NOUN
emaj-245	107	4	of	of	ADP
emaj-245	107	5	locus	locus	NOUN
emaj-245	107	6	of	of	ADP
emaj-245	107	7	control	control	NOUN
emaj-245	107	8	,	,	PUNCT
emaj-245	107	9	financial	financial	ADJ
emaj-245	107	10	knowledge	knowledge	NOUN
emaj-245	107	11	,	,	PUNCT
emaj-245	107	12	financial	financial	ADJ
emaj-245	107	13	behaviour	behaviour	NOUN
emaj-245	107	14	and	and	CCONJ
emaj-245	107	15	financial	financial	ADJ
emaj-245	107	16	position	position	NOUN
emaj-245	107	17	:	:	PUNCT
emaj-245	107	18	an	an	DET
emaj-245	107	19	empirical	empirical	ADJ
emaj-245	107	20	study	study	NOUN
emaj-245	107	21	page	page	NOUN
emaj-245	107	22	|62|	|62|	NOUN
emaj-245	107	23	emerging	emerge	VERB
emaj-245	107	24	markets	market	NOUN
emaj-245	107	25	journal	journal	NOUN
emaj-245	107	26	financial	financial	ADJ
emaj-245	107	27	position	position	NOUN
emaj-245	107	28	parrotta	parrotta	PROPN
emaj-245	107	29	et	et	PROPN
emaj-245	107	30	al	al	PROPN
emaj-245	107	31	.	.	PROPN
emaj-245	107	32	,	,	PUNCT
emaj-245	107	33	(	(	PUNCT
emaj-245	107	34	1998	1998	NUM
emaj-245	107	35	)	)	PUNCT
emaj-245	107	36	,	,	PUNCT
emaj-245	107	37	hilgert	hilgert	PROPN
emaj-245	107	38	et	et	PROPN
emaj-245	107	39	al	al	PROPN
emaj-245	107	40	.	.	PROPN
emaj-245	107	41	,	,	PUNCT
emaj-245	107	42	(	(	PUNCT
emaj-245	107	43	2003	2003	NUM
emaj-245	107	44	)	)	PUNCT
emaj-245	107	45	,	,	PUNCT
emaj-245	107	46	dowling	dowle	VERB
emaj-245	107	47	et	et	PROPN
emaj-245	107	48	al	al	PROPN
emaj-245	107	49	.	.	PROPN
emaj-245	107	50	,	,	PUNCT
emaj-245	107	51	(	(	PUNCT
emaj-245	107	52	2009	2009	NUM
emaj-245	107	53	)	)	PUNCT
emaj-245	107	54	.	.	PUNCT
emaj-245	108	1	the	the	DET
emaj-245	108	2	state	state	NOUN
emaj-245	108	3	of	of	ADP
emaj-245	108	4	finance	finance	NOUN
emaj-245	108	5	in	in	ADP
emaj-245	108	6	the	the	DET
emaj-245	108	7	household	household	NOUN
emaj-245	108	8	to	to	PART
emaj-245	108	9	meet	meet	VERB
emaj-245	108	10	the	the	DET
emaj-245	108	11	day	day	NOUN
emaj-245	108	12	-	-	PUNCT
emaj-245	108	13	to	to	ADP
emaj-245	108	14	-	-	PUNCT
emaj-245	108	15	day	day	NOUN
emaj-245	108	16	requirements	requirement	NOUN
emaj-245	108	17	and	and	CCONJ
emaj-245	108	18	be	be	AUX
emaj-245	108	19	comfortable	comfortable	ADJ
emaj-245	108	20	for	for	ADP
emaj-245	108	21	handling	handle	VERB
emaj-245	108	22	financial	financial	ADJ
emaj-245	108	23	demands	demand	NOUN
emaj-245	108	24	.	.	PUNCT
emaj-245	109	1	i	i	PRON
emaj-245	109	2	had	have	VERB
emaj-245	109	3	no	no	DET
emaj-245	109	4	financial	financial	ADJ
emaj-245	109	5	troubles	trouble	NOUN
emaj-245	109	6	because	because	SCONJ
emaj-245	109	7	i	i	PRON
emaj-245	109	8	had	have	VERB
emaj-245	109	9	enough	enough	ADJ
emaj-245	109	10	money	money	NOUN
emaj-245	109	11	.	.	PUNCT
emaj-245	110	1	source	source	NOUN
emaj-245	110	2	:	:	PUNCT
emaj-245	110	3	authors	author	NOUN
emaj-245	110	4	’	'	PUNCT
emaj-245	110	5	own	own	ADJ
emaj-245	110	6	compilation	compilation	NOUN
emaj-245	110	7	sample	sample	NOUN
emaj-245	110	8	design	design	NOUN
emaj-245	110	9	this	this	DET
emaj-245	110	10	research	research	NOUN
emaj-245	110	11	has	have	AUX
emaj-245	110	12	been	be	AUX
emaj-245	110	13	carried	carry	VERB
emaj-245	110	14	out	out	ADP
emaj-245	110	15	based	base	VERB
emaj-245	110	16	on	on	ADP
emaj-245	110	17	simple	simple	ADJ
emaj-245	110	18	random	random	ADJ
emaj-245	110	19	sampling	sampling	NOUN
emaj-245	110	20	which	which	PRON
emaj-245	110	21	is	be	AUX
emaj-245	110	22	a	a	DET
emaj-245	110	23	probability	probability	NOUN
emaj-245	110	24	-	-	PUNCT
emaj-245	110	25	based	base	VERB
emaj-245	110	26	sampling	sampling	NOUN
emaj-245	110	27	as	as	ADP
emaj-245	110	28	the	the	DET
emaj-245	110	29	total	total	ADJ
emaj-245	110	30	number	number	NOUN
emaj-245	110	31	of	of	ADP
emaj-245	110	32	households	household	NOUN
emaj-245	110	33	in	in	ADP
emaj-245	110	34	qatar	qatar	PROPN
emaj-245	110	35	was	be	AUX
emaj-245	110	36	a	a	DET
emaj-245	110	37	finite	finite	ADJ
emaj-245	110	38	sample	sample	NOUN
emaj-245	110	39	.	.	PUNCT
emaj-245	111	1	sampling	sample	VERB
emaj-245	111	2	unit	unit	NOUN
emaj-245	111	3	was	be	AUX
emaj-245	111	4	an	an	DET
emaj-245	111	5	individual	individual	NOUN
emaj-245	111	6	in	in	ADP
emaj-245	111	7	the	the	DET
emaj-245	111	8	household	household	NOUN
emaj-245	111	9	the	the	DET
emaj-245	111	10	sampling	sample	VERB
emaj-245	111	11	frame	frame	NOUN
emaj-245	111	12	being	be	AUX
emaj-245	111	13	the	the	DET
emaj-245	111	14	households	household	NOUN
emaj-245	111	15	in	in	ADP
emaj-245	111	16	qatar	qatar	PROPN
emaj-245	111	17	.	.	PUNCT
emaj-245	112	1	stratification	stratification	NOUN
emaj-245	112	2	was	be	AUX
emaj-245	112	3	not	not	PART
emaj-245	112	4	necessary	necessary	ADJ
emaj-245	112	5	as	as	SCONJ
emaj-245	112	6	there	there	PRON
emaj-245	112	7	was	be	VERB
emaj-245	112	8	no	no	DET
emaj-245	112	9	need	need	NOUN
emaj-245	112	10	for	for	ADP
emaj-245	112	11	inter	inter	ADJ
emaj-245	112	12	-	-	ADJ
emaj-245	112	13	strata	strata	ADJ
emaj-245	112	14	comparison	comparison	NOUN
emaj-245	112	15	in	in	ADP
emaj-245	112	16	this	this	DET
emaj-245	112	17	research	research	NOUN
emaj-245	112	18	.	.	PUNCT
emaj-245	113	1	the	the	DET
emaj-245	113	2	standard	standard	ADJ
emaj-245	113	3	formula	formula	NOUN
emaj-245	113	4	for	for	ADP
emaj-245	113	5	sample	sample	NOUN
emaj-245	113	6	size	size	NOUN
emaj-245	113	7	calculation	calculation	NOUN
emaj-245	113	8	has	have	AUX
emaj-245	113	9	been	be	AUX
emaj-245	113	10	adopted	adopt	VERB
emaj-245	113	11	which	which	PRON
emaj-245	113	12	yielded	yield	VERB
emaj-245	113	13	a	a	DET
emaj-245	113	14	sample	sample	NOUN
emaj-245	113	15	size	size	NOUN
emaj-245	113	16	of	of	ADP
emaj-245	113	17	187	187	NUM
emaj-245	113	18	and	and	CCONJ
emaj-245	113	19	to	to	PART
emaj-245	113	20	have	have	VERB
emaj-245	113	21	a	a	DET
emaj-245	113	22	cross	cross	NOUN
emaj-245	113	23	section	section	NOUN
emaj-245	113	24	of	of	ADP
emaj-245	113	25	the	the	DET
emaj-245	113	26	sample	sample	NOUN
emaj-245	113	27	and	and	CCONJ
emaj-245	113	28	meet	meet	VERB
emaj-245	113	29	the	the	DET
emaj-245	113	30	minimum	minimum	ADJ
emaj-245	113	31	requirement	requirement	NOUN
emaj-245	113	32	of	of	ADP
emaj-245	113	33	structural	structural	ADJ
emaj-245	113	34	equation	equation	NOUN
emaj-245	113	35	modelling	modelling	NOUN
emaj-245	113	36	(	(	PUNCT
emaj-245	113	37	sem	sem	NOUN
emaj-245	113	38	)	)	PUNCT
emaj-245	113	39	a	a	DET
emaj-245	113	40	sample	sample	NOUN
emaj-245	113	41	size	size	NOUN
emaj-245	113	42	of	of	ADP
emaj-245	113	43	204	204	NUM
emaj-245	113	44	has	have	AUX
emaj-245	113	45	been	be	AUX
emaj-245	113	46	adopted	adopt	VERB
emaj-245	113	47	in	in	ADP
emaj-245	113	48	this	this	DET
emaj-245	113	49	research	research	NOUN
emaj-245	113	50	.	.	PUNCT
emaj-245	114	1	adequate	adequate	ADJ
emaj-245	114	2	care	care	NOUN
emaj-245	114	3	has	have	AUX
emaj-245	114	4	been	be	AUX
emaj-245	114	5	taken	take	VERB
emaj-245	114	6	to	to	PART
emaj-245	114	7	ensure	ensure	VERB
emaj-245	114	8	that	that	SCONJ
emaj-245	114	9	the	the	DET
emaj-245	114	10	sample	sample	NOUN
emaj-245	114	11	is	be	AUX
emaj-245	114	12	free	free	ADJ
emaj-245	114	13	from	from	ADP
emaj-245	114	14	bias	bias	NOUN
emaj-245	114	15	and	and	CCONJ
emaj-245	114	16	distributed	distribute	VERB
emaj-245	114	17	uniformly	uniformly	ADV
emaj-245	114	18	across	across	ADP
emaj-245	114	19	the	the	DET
emaj-245	114	20	cross	cross	NOUN
emaj-245	114	21	section	section	NOUN
emaj-245	114	22	of	of	ADP
emaj-245	114	23	the	the	DET
emaj-245	114	24	society	society	NOUN
emaj-245	114	25	.	.	PUNCT
emaj-245	115	1	iv	iv	X
emaj-245	115	2	.	.	PUNCT
emaj-245	115	3	results	result	NOUN
emaj-245	115	4	and	and	CCONJ
emaj-245	115	5	discussion	discussion	NOUN
emaj-245	115	6	demographics	demographic	NOUN
emaj-245	115	7	demographic	demographic	ADJ
emaj-245	115	8	distribution	distribution	NOUN
emaj-245	115	9	gives	give	VERB
emaj-245	115	10	the	the	DET
emaj-245	115	11	general	general	ADJ
emaj-245	115	12	idea	idea	NOUN
emaj-245	115	13	about	about	ADP
emaj-245	115	14	the	the	DET
emaj-245	115	15	respondents	respondent	NOUN
emaj-245	115	16	who	who	PRON
emaj-245	115	17	have	have	AUX
emaj-245	115	18	participated	participate	VERB
emaj-245	115	19	in	in	ADP
emaj-245	115	20	this	this	DET
emaj-245	115	21	research	research	NOUN
emaj-245	115	22	.	.	PUNCT
emaj-245	116	1	this	this	PRON
emaj-245	116	2	becomes	become	VERB
emaj-245	116	3	important	important	ADJ
emaj-245	116	4	as	as	ADP
emaj-245	116	5	an	an	DET
emaj-245	116	6	idea	idea	NOUN
emaj-245	116	7	about	about	ADP
emaj-245	116	8	the	the	DET
emaj-245	116	9	participants	participant	NOUN
emaj-245	116	10	gives	give	VERB
emaj-245	116	11	the	the	DET
emaj-245	116	12	strength	strength	NOUN
emaj-245	116	13	to	to	ADP
emaj-245	116	14	the	the	DET
emaj-245	116	15	inferences	inference	NOUN
emaj-245	116	16	which	which	PRON
emaj-245	116	17	are	be	AUX
emaj-245	116	18	drawn	draw	VERB
emaj-245	116	19	through	through	ADP
emaj-245	116	20	the	the	DET
emaj-245	116	21	data	datum	NOUN
emaj-245	116	22	.	.	PUNCT
emaj-245	117	1	it	it	PRON
emaj-245	117	2	can	can	AUX
emaj-245	117	3	be	be	AUX
emaj-245	117	4	observed	observe	VERB
emaj-245	117	5	that	that	SCONJ
emaj-245	117	6	majority	majority	NOUN
emaj-245	117	7	of	of	ADP
emaj-245	117	8	the	the	DET
emaj-245	117	9	respondents	respondent	NOUN
emaj-245	117	10	are	be	AUX
emaj-245	117	11	males	male	NOUN
emaj-245	117	12	in	in	ADP
emaj-245	117	13	this	this	DET
emaj-245	117	14	research	research	NOUN
emaj-245	117	15	(	(	PUNCT
emaj-245	117	16	70.1	70.1	NUM
emaj-245	117	17	%	%	NOUN
emaj-245	117	18	)	)	PUNCT
emaj-245	117	19	and	and	CCONJ
emaj-245	117	20	in	in	ADP
emaj-245	117	21	the	the	DET
emaj-245	117	22	age	age	NOUN
emaj-245	117	23	group	group	NOUN
emaj-245	117	24	of	of	ADP
emaj-245	117	25	25	25	NUM
emaj-245	117	26	-	-	SYM
emaj-245	117	27	35	35	NUM
emaj-245	117	28	years	year	NOUN
emaj-245	117	29	(	(	PUNCT
emaj-245	117	30	36.3	36.3	NUM
emaj-245	117	31	%	%	NOUN
emaj-245	117	32	)	)	PUNCT
emaj-245	117	33	followed	follow	VERB
emaj-245	117	34	by	by	ADP
emaj-245	117	35	the	the	DET
emaj-245	117	36	age	age	NOUN
emaj-245	117	37	group	group	NOUN
emaj-245	117	38	of	of	ADP
emaj-245	117	39	35	35	NUM
emaj-245	117	40	-	-	SYM
emaj-245	117	41	45	45	NUM
emaj-245	117	42	years	year	NOUN
emaj-245	117	43	(	(	PUNCT
emaj-245	117	44	30.9	30.9	NUM
emaj-245	117	45	%	%	NOUN
emaj-245	117	46	)	)	PUNCT
emaj-245	117	47	(	(	PUNCT
emaj-245	117	48	table	table	NOUN
emaj-245	117	49	2	2	NUM
emaj-245	117	50	)	)	PUNCT
emaj-245	117	51	.	.	PUNCT
emaj-245	118	1	it	it	PRON
emaj-245	118	2	can	can	AUX
emaj-245	118	3	be	be	AUX
emaj-245	118	4	observed	observe	VERB
emaj-245	118	5	that	that	SCONJ
emaj-245	118	6	majority	majority	NOUN
emaj-245	118	7	of	of	ADP
emaj-245	118	8	the	the	DET
emaj-245	118	9	respondents	respondent	NOUN
emaj-245	118	10	were	be	AUX
emaj-245	118	11	bachelor	bachelor	NOUN
emaj-245	118	12	’s	’s	NOUN
emaj-245	118	13	degree	degree	NOUN
emaj-245	118	14	holders	holder	NOUN
emaj-245	118	15	(	(	PUNCT
emaj-245	118	16	47.1	47.1	NUM
emaj-245	118	17	%	%	NOUN
emaj-245	118	18	)	)	PUNCT
emaj-245	118	19	followed	follow	VERB
emaj-245	118	20	by	by	ADP
emaj-245	118	21	certificate	certificate	NOUN
emaj-245	118	22	holders	holder	NOUN
emaj-245	118	23	(	(	PUNCT
emaj-245	118	24	20.6	20.6	NUM
emaj-245	118	25	%	%	NOUN
emaj-245	118	26	)	)	PUNCT
emaj-245	118	27	.	.	PUNCT
emaj-245	119	1	it	it	PRON
emaj-245	119	2	can	can	AUX
emaj-245	119	3	be	be	AUX
emaj-245	119	4	observed	observe	VERB
emaj-245	119	5	that	that	SCONJ
emaj-245	119	6	the	the	DET
emaj-245	119	7	majority	majority	NOUN
emaj-245	119	8	respondents	respondent	NOUN
emaj-245	119	9	’	'	PUNCT
emaj-245	119	10	income	income	NOUN
emaj-245	119	11	per	per	ADP
emaj-245	119	12	month	month	NOUN
emaj-245	119	13	come	come	VERB
emaj-245	119	14	under	under	ADP
emaj-245	119	15	the	the	DET
emaj-245	119	16	range	range	NOUN
emaj-245	119	17	of	of	ADP
emaj-245	119	18	30,000	30,000	NUM
emaj-245	119	19	-	-	SYM
emaj-245	119	20	40,000	40,000	NUM
emaj-245	119	21	qar	qar	NOUN
emaj-245	119	22	(	(	PUNCT
emaj-245	119	23	41.21	41.21	NUM
emaj-245	119	24	%	%	NOUN
emaj-245	119	25	)	)	PUNCT
emaj-245	119	26	,	,	PUNCT
emaj-245	119	27	followed	follow	VERB
emaj-245	119	28	by	by	ADP
emaj-245	119	29	20,00030,000	20,00030,000	NUM
emaj-245	119	30	qar	qar	NOUN
emaj-245	119	31	(	(	PUNCT
emaj-245	119	32	25.5	25.5	NUM
emaj-245	119	33	%	%	NOUN
emaj-245	119	34	)	)	PUNCT
emaj-245	119	35	.	.	PUNCT
emaj-245	120	1	majority	majority	NOUN
emaj-245	120	2	of	of	ADP
emaj-245	120	3	the	the	DET
emaj-245	120	4	respondents	respondent	NOUN
emaj-245	120	5	are	be	AUX
emaj-245	120	6	having	have	VERB
emaj-245	120	7	five	five	NUM
emaj-245	120	8	to	to	PART
emaj-245	120	9	ten	ten	NUM
emaj-245	120	10	years	year	NOUN
emaj-245	120	11	(	(	PUNCT
emaj-245	120	12	46.1	46.1	NUM
emaj-245	120	13	%	%	NOUN
emaj-245	120	14	)	)	PUNCT
emaj-245	120	15	experience	experience	NOUN
emaj-245	120	16	in	in	ADP
emaj-245	120	17	financial	financial	ADJ
emaj-245	120	18	management	management	NOUN
emaj-245	120	19	followed	follow	VERB
emaj-245	120	20	by	by	ADP
emaj-245	120	21	more	more	ADJ
emaj-245	120	22	than	than	ADP
emaj-245	120	23	10	10	NUM
emaj-245	120	24	years	year	NOUN
emaj-245	120	25	(	(	PUNCT
emaj-245	120	26	32.4	32.4	NUM
emaj-245	120	27	%	%	NOUN
emaj-245	120	28	)	)	PUNCT
emaj-245	120	29	.	.	PUNCT
emaj-245	121	1	so	so	ADV
emaj-245	121	2	by	by	ADV
emaj-245	121	3	and	and	CCONJ
emaj-245	121	4	large	large	ADJ
emaj-245	121	5	,	,	PUNCT
emaj-245	121	6	it	it	PRON
emaj-245	121	7	is	be	AUX
emaj-245	121	8	evident	evident	ADJ
emaj-245	121	9	that	that	SCONJ
emaj-245	121	10	the	the	DET
emaj-245	121	11	respondents	respondent	NOUN
emaj-245	121	12	are	be	AUX
emaj-245	121	13	very	very	ADV
emaj-245	121	14	well	well	ADV
emaj-245	121	15	versed	versed	ADJ
emaj-245	121	16	with	with	ADP
emaj-245	121	17	the	the	DET
emaj-245	121	18	financial	financial	ADJ
emaj-245	121	19	management	management	NOUN
emaj-245	121	20	of	of	ADP
emaj-245	121	21	the	the	DET
emaj-245	121	22	household	household	NOUN
emaj-245	121	23	and	and	CCONJ
emaj-245	121	24	have	have	VERB
emaj-245	121	25	the	the	DET
emaj-245	121	26	required	require	VERB
emaj-245	121	27	experience	experience	NOUN
emaj-245	121	28	in	in	ADP
emaj-245	121	29	the	the	DET
emaj-245	121	30	organization	organization	NOUN
emaj-245	121	31	to	to	PART
emaj-245	121	32	express	express	VERB
emaj-245	121	33	their	their	PRON
emaj-245	121	34	views	view	NOUN
emaj-245	121	35	on	on	ADP
emaj-245	121	36	the	the	DET
emaj-245	121	37	topic	topic	NOUN
emaj-245	121	38	of	of	ADP
emaj-245	121	39	interest	interest	NOUN
emaj-245	121	40	.	.	PUNCT
emaj-245	122	1	table	table	NOUN
emaj-245	122	2	2	2	NUM
emaj-245	122	3	:	:	PUNCT
emaj-245	122	4	demographic	demographic	ADJ
emaj-245	122	5	distribution	distribution	NOUN
emaj-245	122	6	of	of	ADP
emaj-245	122	7	the	the	DET
emaj-245	122	8	respondents	respondent	NOUN
emaj-245	122	9	(	(	PUNCT
emaj-245	122	10	n	n	NOUN
emaj-245	122	11	=	=	SYM
emaj-245	122	12	204	204	NUM
emaj-245	122	13	)	)	PUNCT
emaj-245	122	14	attributes	attribute	VERB
emaj-245	122	15	frequency	frequency	NOUN
emaj-245	122	16	percentage	percentage	NOUN
emaj-245	122	17	gender	gender	NOUN
emaj-245	122	18	male	male	NOUN
emaj-245	122	19	143	143	NUM
emaj-245	122	20	70.1	70.1	NUM
emaj-245	122	21	female	female	NOUN
emaj-245	122	22	61	61	NUM
emaj-245	122	23	29.9	29.9	NUM
emaj-245	122	24	age	age	NOUN
emaj-245	122	25	less	less	ADJ
emaj-245	122	26	than	than	ADP
emaj-245	122	27	25	25	NUM
emaj-245	122	28	years	year	NOUN
emaj-245	122	29	26	26	NUM
emaj-245	122	30	12.7	12.7	NUM
emaj-245	122	31	25	25	NUM
emaj-245	122	32	–	–	PUNCT
emaj-245	122	33	35	35	NUM
emaj-245	122	34	years	year	NOUN
emaj-245	122	35	74	74	NUM
emaj-245	122	36	36.3	36.3	NUM
emaj-245	122	37	35	35	NUM
emaj-245	122	38	–	–	PUNCT
emaj-245	122	39	45	45	NUM
emaj-245	122	40	years	year	NOUN
emaj-245	122	41	63	63	NUM
emaj-245	122	42	30.9	30.9	NUM
emaj-245	122	43	45	45	NUM
emaj-245	122	44	–	–	PUNCT
emaj-245	122	45	55	55	NUM
emaj-245	122	46	years	year	NOUN
emaj-245	122	47	26	26	NUM
emaj-245	122	48	12.7	12.7	NUM
emaj-245	122	49	55	55	NUM
emaj-245	122	50	years	year	NOUN
emaj-245	122	51	and	and	CCONJ
emaj-245	122	52	above	above	ADP
emaj-245	122	53	15	15	NUM
emaj-245	122	54	7.4	7.4	NUM
emaj-245	122	55	educational	educational	ADJ
emaj-245	122	56	qualification	qualification	NOUN
emaj-245	122	57	certificate	certificate	NOUN
emaj-245	122	58	42	42	NUM
emaj-245	122	59	20.6	20.6	NUM
emaj-245	122	60	diploma	diploma	NOUN
emaj-245	122	61	32	32	NUM
emaj-245	122	62	15.7	15.7	NUM
emaj-245	122	63	bachelors	bachelor	NOUN
emaj-245	122	64	96	96	NUM
emaj-245	122	65	47.1	47.1	NUM
emaj-245	122	66	masters	master	NOUN
emaj-245	122	67	16	16	NUM
emaj-245	122	68	7.8	7.8	NUM
emaj-245	122	69	others	other	NOUN
emaj-245	122	70	18	18	NUM
emaj-245	122	71	8.8	8.8	NUM
emaj-245	122	72	income	income	NOUN
emaj-245	122	73	per	per	ADP
emaj-245	122	74	month	month	NOUN
emaj-245	122	75	(	(	PUNCT
emaj-245	122	76	qar	qar	PROPN
emaj-245	122	77	)	)	PUNCT
emaj-245	122	78	less	less	ADJ
emaj-245	122	79	than	than	ADP
emaj-245	122	80	10,000	10,000	NUM
emaj-245	122	81	16	16	NUM
emaj-245	122	82	7.8	7.8	NUM
emaj-245	122	83	10,000	10,000	NUM
emaj-245	122	84	to	to	PART
emaj-245	122	85	20,000	20,000	NUM
emaj-245	122	86	18	18	NUM
emaj-245	122	87	8.8	8.8	NUM
emaj-245	122	88	20,000	20,000	NUM
emaj-245	122	89	to	to	ADP
emaj-245	122	90	30,000	30,000	NUM
emaj-245	122	91	52	52	NUM
emaj-245	122	92	25.5	25.5	NUM
emaj-245	122	93	30,000	30,000	NUM
emaj-245	122	94	to	to	ADP
emaj-245	122	95	40,000	40,000	NUM
emaj-245	122	96	84	84	NUM
emaj-245	122	97	41.2	41.2	NUM
emaj-245	122	98	40,000	40,000	NUM
emaj-245	122	99	and	and	CCONJ
emaj-245	122	100	above	above	ADP
emaj-245	122	101	34	34	NUM
emaj-245	122	102	16.7	16.7	NUM
emaj-245	122	103	experience	experience	NOUN
emaj-245	122	104	in	in	ADP
emaj-245	122	105	finance	finance	NOUN
emaj-245	122	106	management	management	NOUN
emaj-245	122	107	less	less	ADJ
emaj-245	122	108	than	than	ADP
emaj-245	122	109	two	two	NUM
emaj-245	122	110	years	year	NOUN
emaj-245	122	111	12	12	NUM
emaj-245	122	112	5.9	5.9	NUM
emaj-245	122	113	2	2	NUM
emaj-245	122	114	–	–	PUNCT
emaj-245	122	115	5	5	NUM
emaj-245	122	116	years	year	NOUN
emaj-245	122	117	32	32	NUM
emaj-245	122	118	15.7	15.7	NUM
emaj-245	122	119	5	5	NUM
emaj-245	122	120	–	–	PUNCT
emaj-245	122	121	10	10	NUM
emaj-245	122	122	years	year	NOUN
emaj-245	122	123	94	94	NUM
emaj-245	122	124	46.1	46.1	NUM
emaj-245	122	125	more	more	ADJ
emaj-245	122	126	than	than	ADP
emaj-245	122	127	10	10	NUM
emaj-245	122	128	years	year	NOUN
emaj-245	122	129	66	66	NUM
emaj-245	122	130	32.4	32.4	NUM
emaj-245	122	131	source	source	NOUN
emaj-245	122	132	:	:	PUNCT
emaj-245	122	133	authors	author	NOUN
emaj-245	122	134	’	'	PUNCT
emaj-245	122	135	own	own	ADJ
emaj-245	122	136	compilation	compilation	NOUN
emaj-245	122	137	normality	normality	NOUN
emaj-245	122	138	of	of	ADP
emaj-245	122	139	data	data	NOUN
emaj-245	122	140	normality	normality	NOUN
emaj-245	122	141	assumption	assumption	NOUN
emaj-245	122	142	was	be	AUX
emaj-245	122	143	not	not	PART
emaj-245	122	144	violated	violate	VERB
emaj-245	122	145	with	with	ADP
emaj-245	122	146	an	an	DET
emaj-245	122	147	acceptable	acceptable	ADJ
emaj-245	122	148	range	range	NOUN
emaj-245	122	149	of	of	ADP
emaj-245	122	150	skewness	skewness	NOUN
emaj-245	122	151	and	and	CCONJ
emaj-245	122	152	kurtosis	kurtosis	VERB
emaj-245	122	153	statistics	statistic	NOUN
emaj-245	122	154	(	(	PUNCT
emaj-245	122	155	threshold	threshold	NOUN
emaj-245	122	156	values	value	VERB
emaj-245	122	157	-1.00	-1.00	X
emaj-245	122	158	to	to	ADP
emaj-245	122	159	+1	+1	PROPN
emaj-245	122	160	and	and	CCONJ
emaj-245	122	161	-3	-3	PUNCT
emaj-245	122	162	to	to	ADP
emaj-245	122	163	+3	+3	PROPN
emaj-245	122	164	respectively	respectively	ADV
emaj-245	122	165	)	)	PUNCT
emaj-245	122	166	(	(	PUNCT
emaj-245	122	167	table	table	NOUN
emaj-245	122	168	3	3	NUM
emaj-245	122	169	)	)	PUNCT
emaj-245	122	170	.	.	PUNCT
emaj-245	123	1	therefore	therefore	ADV
emaj-245	123	2	,	,	PUNCT
emaj-245	123	3	the	the	DET
emaj-245	123	4	data	datum	NOUN
emaj-245	123	5	could	could	AUX
emaj-245	123	6	be	be	AUX
emaj-245	123	7	subjected	subject	VERB
emaj-245	123	8	to	to	ADP
emaj-245	123	9	further	further	ADJ
emaj-245	123	10	level	level	NOUN
emaj-245	123	11	of	of	ADP
emaj-245	123	12	statistical	statistical	ADJ
emaj-245	123	13	analysis	analysis	NOUN
emaj-245	123	14	.	.	PUNCT
emaj-245	124	1	the	the	DET
emaj-245	124	2	negative	negative	ADJ
emaj-245	124	3	skewness	skewness	NOUN
emaj-245	124	4	shows	show	VERB
emaj-245	124	5	that	that	SCONJ
emaj-245	124	6	the	the	DET
emaj-245	124	7	response	response	NOUN
emaj-245	124	8	is	be	AUX
emaj-245	124	9	towards	towards	ADP
emaj-245	124	10	the	the	DET
emaj-245	124	11	higher	high	ADJ
emaj-245	124	12	side	side	NOUN
emaj-245	124	13	of	of	ADP
emaj-245	124	14	agreement	agreement	NOUN
emaj-245	124	15	in	in	ADP
emaj-245	124	16	the	the	DET
emaj-245	124	17	likert	likert	ADJ
emaj-245	124	18	scale	scale	NOUN
emaj-245	124	19	(	(	PUNCT
emaj-245	124	20	mean	mean	NOUN
emaj-245	124	21	=	=	SYM
emaj-245	124	22	3.0	3.0	NUM
emaj-245	124	23	)	)	PUNCT
emaj-245	124	24	.	.	PUNCT
emaj-245	125	1	volume	volume	NOUN
emaj-245	125	2	12	12	NUM
emaj-245	125	3	no	no	DET
emaj-245	125	4	1	1	NUM
emaj-245	125	5	(	(	PUNCT
emaj-245	125	6	2022	2022	NUM
emaj-245	125	7	)	)	PUNCT
emaj-245	125	8	|	|	ADV
emaj-245	125	9	issn	issn	VERB
emaj-245	125	10	2158	2158	NUM
emaj-245	125	11	-	-	SYM
emaj-245	125	12	8708	8708	NUM
emaj-245	125	13	(	(	PUNCT
emaj-245	125	14	online	online	NOUN
emaj-245	125	15	)	)	PUNCT
emaj-245	125	16	|	|	ADV
emaj-245	125	17	doi	doi	X
emaj-245	125	18	10.5195	10.5195	NUM
emaj-245	125	19	/	/	SYM
emaj-245	125	20	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	126	1	|	|	NOUN
emaj-245	126	2	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-245	126	3	girish	girish	PROPN
emaj-245	126	4	karunakaran	karunakaran	PROPN
emaj-245	126	5	nair	nair	PROPN
emaj-245	126	6	emerging	emerge	VERB
emaj-245	126	7	markets	market	NOUN
emaj-245	126	8	journal	journal	NOUN
emaj-245	126	9	|	|	ADV
emaj-245	126	10	p	p	NOUN
emaj-245	126	11	a	a	DET
emaj-245	126	12	g	g	NOUN
emaj-245	126	13	e	e	NOUN
emaj-245	126	14	|63	|63	PRON
emaj-245	126	15	table	table	NOUN
emaj-245	126	16	3	3	NUM
emaj-245	126	17	:	:	PUNCT
emaj-245	126	18	skewness	skewness	NOUN
emaj-245	126	19	and	and	CCONJ
emaj-245	126	20	kurtosis	kurtosis	VERB
emaj-245	126	21	source	source	NOUN
emaj-245	126	22	:	:	PUNCT
emaj-245	126	23	spss	spss	PROPN
emaj-245	126	24	software	software	PROPN
emaj-245	126	25	output	output	PROPN
emaj-245	126	26	measurement	measurement	PROPN
emaj-245	126	27	model	model	NOUN
emaj-245	126	28	a	a	DET
emaj-245	126	29	pilot	pilot	NOUN
emaj-245	126	30	study	study	NOUN
emaj-245	126	31	was	be	AUX
emaj-245	126	32	undertaken	undertake	VERB
emaj-245	126	33	to	to	PART
emaj-245	126	34	validate	validate	VERB
emaj-245	126	35	and	and	CCONJ
emaj-245	126	36	test	test	VERB
emaj-245	126	37	the	the	DET
emaj-245	126	38	reliability	reliability	NOUN
emaj-245	126	39	of	of	ADP
emaj-245	126	40	the	the	DET
emaj-245	126	41	questionnaire	questionnaire	NOUN
emaj-245	126	42	with	with	ADP
emaj-245	126	43	a	a	DET
emaj-245	126	44	sample	sample	NOUN
emaj-245	126	45	size	size	NOUN
emaj-245	126	46	of	of	ADP
emaj-245	126	47	35	35	NUM
emaj-245	126	48	.	.	PUNCT
emaj-245	127	1	the	the	DET
emaj-245	127	2	questionnaire	questionnaire	NOUN
emaj-245	127	3	with	with	ADP
emaj-245	127	4	a	a	DET
emaj-245	127	5	total	total	ADJ
emaj-245	127	6	25	25	NUM
emaj-245	127	7	indicators	indicator	NOUN
emaj-245	127	8	of	of	ADP
emaj-245	127	9	the	the	DET
emaj-245	127	10	latent	latent	NOUN
emaj-245	127	11	variables	variable	NOUN
emaj-245	127	12	was	be	AUX
emaj-245	127	13	reduced	reduce	VERB
emaj-245	127	14	to	to	ADP
emaj-245	127	15	a	a	DET
emaj-245	127	16	total	total	NOUN
emaj-245	127	17	of	of	ADP
emaj-245	127	18	15	15	NUM
emaj-245	127	19	items	item	NOUN
emaj-245	127	20	through	through	ADP
emaj-245	127	21	factor	factor	NOUN
emaj-245	127	22	analysis	analysis	NOUN
emaj-245	127	23	,	,	PUNCT
emaj-245	127	24	which	which	PRON
emaj-245	127	25	were	be	AUX
emaj-245	127	26	subsequently	subsequently	ADV
emaj-245	127	27	used	use	VERB
emaj-245	127	28	for	for	ADP
emaj-245	127	29	collecting	collect	VERB
emaj-245	127	30	data	datum	NOUN
emaj-245	127	31	through	through	ADP
emaj-245	127	32	a	a	DET
emaj-245	127	33	total	total	ADJ
emaj-245	127	34	sample	sample	NOUN
emaj-245	127	35	size	size	NOUN
emaj-245	127	36	of	of	ADP
emaj-245	127	37	204	204	NUM
emaj-245	127	38	.	.	PUNCT
emaj-245	128	1	to	to	PART
emaj-245	128	2	verify	verify	VERB
emaj-245	128	3	the	the	DET
emaj-245	128	4	reliability	reliability	NOUN
emaj-245	128	5	of	of	ADP
emaj-245	128	6	the	the	DET
emaj-245	128	7	latent	latent	NOUN
emaj-245	128	8	variables	variable	NOUN
emaj-245	128	9	in	in	ADP
emaj-245	128	10	the	the	DET
emaj-245	128	11	model	model	NOUN
emaj-245	128	12	,	,	PUNCT
emaj-245	128	13	internal	internal	ADJ
emaj-245	128	14	consistency	consistency	NOUN
emaj-245	128	15	reliability	reliability	NOUN
emaj-245	128	16	measure	measure	NOUN
emaj-245	128	17	,	,	PUNCT
emaj-245	128	18	item	item	NOUN
emaj-245	128	19	reliability	reliability	NOUN
emaj-245	128	20	measure	measure	NOUN
emaj-245	128	21	,	,	PUNCT
emaj-245	128	22	and	and	CCONJ
emaj-245	128	23	composite	composite	ADJ
emaj-245	128	24	reliability	reliability	NOUN
emaj-245	128	25	measures	measure	NOUN
emaj-245	128	26	were	be	AUX
emaj-245	128	27	calculated	calculate	VERB
emaj-245	128	28	.	.	PUNCT
emaj-245	129	1	table	table	NOUN
emaj-245	129	2	4	4	NUM
emaj-245	129	3	shows	show	VERB
emaj-245	129	4	the	the	DET
emaj-245	129	5	cronbach	cronbach	NOUN
emaj-245	129	6	’s	’s	PART
emaj-245	129	7	alpha	alpha	ADJ
emaj-245	129	8	coefficient	coefficient	NOUN
emaj-245	129	9	and	and	CCONJ
emaj-245	129	10	the	the	DET
emaj-245	129	11	composite	composite	ADJ
emaj-245	129	12	reliability	reliability	NOUN
emaj-245	129	13	result	result	NOUN
emaj-245	129	14	for	for	ADP
emaj-245	129	15	the	the	DET
emaj-245	129	16	model	model	NOUN
emaj-245	129	17	.	.	PUNCT
emaj-245	130	1	the	the	DET
emaj-245	130	2	alpha	alpha	PROPN
emaj-245	130	3	coefficient	coefficient	NOUN
emaj-245	130	4	has	have	VERB
emaj-245	130	5	the	the	DET
emaj-245	130	6	acceptable	acceptable	ADJ
emaj-245	130	7	value	value	NOUN
emaj-245	130	8	ranging	range	VERB
emaj-245	130	9	from	from	ADP
emaj-245	130	10	(	(	PUNCT
emaj-245	130	11	0.7	0.7	NUM
emaj-245	130	12	to	to	PART
emaj-245	130	13	0.9	0.9	NUM
emaj-245	130	14	)	)	PUNCT
emaj-245	130	15	,	,	PUNCT
emaj-245	130	16	indicating	indicate	VERB
emaj-245	130	17	a	a	DET
emaj-245	130	18	moderately	moderately	ADV
emaj-245	130	19	high	high	ADJ
emaj-245	130	20	level	level	NOUN
emaj-245	130	21	of	of	ADP
emaj-245	130	22	internal	internal	ADJ
emaj-245	130	23	consistency	consistency	NOUN
emaj-245	130	24	.	.	PUNCT
emaj-245	131	1	the	the	DET
emaj-245	131	2	result	result	NOUN
emaj-245	131	3	of	of	ADP
emaj-245	131	4	item	item	NOUN
emaj-245	131	5	reliability	reliability	NOUN
emaj-245	131	6	(	(	PUNCT
emaj-245	131	7	ir	ir	NOUN
emaj-245	131	8	)	)	PUNCT
emaj-245	131	9	measured	measure	VERB
emaj-245	131	10	as	as	ADP
emaj-245	131	11	standardized	standardized	ADJ
emaj-245	131	12	confirmatory	confirmatory	NOUN
emaj-245	131	13	factor	factor	NOUN
emaj-245	131	14	loading	loading	NOUN
emaj-245	131	15	(	(	PUNCT
emaj-245	131	16	fl	fl	NOUN
emaj-245	131	17	)	)	PUNCT
emaj-245	131	18	ranged	range	VERB
emaj-245	131	19	from	from	ADP
emaj-245	131	20	0.8	0.8	NUM
emaj-245	131	21	to	to	PART
emaj-245	131	22	0.9	0.9	NUM
emaj-245	131	23	(	(	PUNCT
emaj-245	131	24	table	table	NOUN
emaj-245	131	25	5	5	NUM
emaj-245	131	26	)	)	PUNCT
emaj-245	131	27	.	.	PUNCT
emaj-245	132	1	the	the	DET
emaj-245	132	2	composite	composite	ADJ
emaj-245	132	3	reliability	reliability	NOUN
emaj-245	132	4	is	be	AUX
emaj-245	132	5	in	in	ADP
emaj-245	132	6	the	the	DET
emaj-245	132	7	range	range	NOUN
emaj-245	132	8	of	of	ADP
emaj-245	132	9	0.7	0.7	NUM
emaj-245	132	10	to	to	PART
emaj-245	132	11	0.9	0.9	NUM
emaj-245	132	12	indicating	indicate	VERB
emaj-245	132	13	moderate	moderate	ADJ
emaj-245	132	14	to	to	ADP
emaj-245	132	15	high	high	ADJ
emaj-245	132	16	reliability	reliability	NOUN
emaj-245	132	17	score	score	NOUN
emaj-245	132	18	.	.	PUNCT
emaj-245	133	1	the	the	DET
emaj-245	133	2	convergent	convergent	NOUN
emaj-245	133	3	validity	validity	NOUN
emaj-245	133	4	assessment	assessment	NOUN
emaj-245	133	5	based	base	VERB
emaj-245	133	6	on	on	ADP
emaj-245	133	7	factor	factor	NOUN
emaj-245	133	8	loading	loading	NOUN
emaj-245	133	9	and	and	CCONJ
emaj-245	133	10	composite	composite	ADJ
emaj-245	133	11	reliability	reliability	NOUN
emaj-245	133	12	indicate	indicate	VERB
emaj-245	133	13	moderate	moderate	ADJ
emaj-245	133	14	to	to	PART
emaj-245	133	15	high	high	ADJ
emaj-245	133	16	acceptable	acceptable	ADJ
emaj-245	133	17	range	range	NOUN
emaj-245	133	18	of	of	ADP
emaj-245	133	19	factor	factor	NOUN
emaj-245	133	20	loading	loading	NOUN
emaj-245	133	21	for	for	ADP
emaj-245	133	22	all	all	DET
emaj-245	133	23	items	item	NOUN
emaj-245	133	24	and	and	CCONJ
emaj-245	133	25	good	good	ADJ
emaj-245	133	26	composite	composite	ADJ
emaj-245	133	27	reliabilities	reliability	NOUN
emaj-245	133	28	in	in	ADP
emaj-245	133	29	general	general	ADJ
emaj-245	133	30	.	.	PUNCT
emaj-245	134	1	to	to	PART
emaj-245	134	2	test	test	VERB
emaj-245	134	3	for	for	ADP
emaj-245	134	4	discriminant	discriminant	ADJ
emaj-245	134	5	validity	validity	NOUN
emaj-245	134	6	,	,	PUNCT
emaj-245	134	7	the	the	DET
emaj-245	134	8	square	square	ADJ
emaj-245	134	9	root	root	NOUN
emaj-245	134	10	of	of	ADP
emaj-245	134	11	average	average	ADJ
emaj-245	134	12	variance	variance	NOUN
emaj-245	134	13	extracted	extract	VERB
emaj-245	134	14	(	(	PUNCT
emaj-245	134	15	ave	ave	PROPN
emaj-245	134	16	)	)	PUNCT
emaj-245	134	17	for	for	ADP
emaj-245	134	18	each	each	DET
emaj-245	134	19	construct	construct	NOUN
emaj-245	134	20	was	be	AUX
emaj-245	134	21	compared	compare	VERB
emaj-245	134	22	with	with	ADP
emaj-245	134	23	the	the	DET
emaj-245	134	24	correlation	correlation	NOUN
emaj-245	134	25	between	between	ADP
emaj-245	134	26	the	the	DET
emaj-245	134	27	construct	construct	NOUN
emaj-245	134	28	and	and	CCONJ
emaj-245	134	29	the	the	DET
emaj-245	134	30	other	other	ADJ
emaj-245	134	31	constructs	construct	NOUN
emaj-245	134	32	(	(	PUNCT
emaj-245	134	33	table	table	NOUN
emaj-245	134	34	6	6	NUM
emaj-245	134	35	)	)	PUNCT
emaj-245	134	36	and	and	CCONJ
emaj-245	134	37	was	be	AUX
emaj-245	134	38	found	find	VERB
emaj-245	134	39	to	to	PART
emaj-245	134	40	be	be	AUX
emaj-245	134	41	higher	high	ADJ
emaj-245	134	42	,	,	PUNCT
emaj-245	134	43	and	and	CCONJ
emaj-245	134	44	hence	hence	ADV
emaj-245	134	45	,	,	PUNCT
emaj-245	134	46	the	the	DET
emaj-245	134	47	discriminant	discriminant	ADJ
emaj-245	134	48	validity	validity	NOUN
emaj-245	134	49	is	be	AUX
emaj-245	134	50	proved	prove	VERB
emaj-245	134	51	.	.	PUNCT
emaj-245	135	1	the	the	DET
emaj-245	135	2	data	datum	NOUN
emaj-245	135	3	could	could	AUX
emaj-245	135	4	be	be	AUX
emaj-245	135	5	subjected	subject	VERB
emaj-245	135	6	to	to	ADP
emaj-245	135	7	the	the	DET
emaj-245	135	8	further	further	ADJ
emaj-245	135	9	analysis	analysis	NOUN
emaj-245	135	10	as	as	SCONJ
emaj-245	135	11	very	very	ADV
emaj-245	135	12	high	high	ADJ
emaj-245	135	13	measures	measure	NOUN
emaj-245	135	14	were	be	AUX
emaj-245	135	15	indicated	indicate	VERB
emaj-245	135	16	in	in	ADP
emaj-245	135	17	all	all	DET
emaj-245	135	18	the	the	DET
emaj-245	135	19	methods	method	NOUN
emaj-245	135	20	of	of	ADP
emaj-245	135	21	reliability	reliability	NOUN
emaj-245	135	22	and	and	CCONJ
emaj-245	135	23	validity	validity	NOUN
emaj-245	135	24	.	.	PUNCT
emaj-245	136	1	table	table	NOUN
emaj-245	136	2	4	4	NUM
emaj-245	136	3	:	:	PUNCT
emaj-245	136	4	the	the	DET
emaj-245	136	5	reliability	reliability	NOUN
emaj-245	136	6	measures	measure	NOUN
emaj-245	136	7	source	source	NOUN
emaj-245	136	8	:	:	PUNCT
emaj-245	136	9	spss	spss	PROPN
emaj-245	136	10	software	software	NOUN
emaj-245	136	11	output	output	NOUN
emaj-245	136	12	table	table	NOUN
emaj-245	136	13	5	5	NUM
emaj-245	136	14	:	:	PUNCT
emaj-245	136	15	factor	factor	NOUN
emaj-245	136	16	loadings	loading	NOUN
emaj-245	136	17	(	(	PUNCT
emaj-245	136	18	after	after	ADP
emaj-245	136	19	reduction	reduction	NOUN
emaj-245	136	20	)	)	PUNCT
emaj-245	136	21	fnb	fnb	PROPN
emaj-245	136	22	fnk	fnk	PROPN
emaj-245	136	23	fnp	fnp	PROPN
emaj-245	136	24	inc	inc	PROPN
emaj-245	136	25	loc	loc	PROPN
emaj-245	136	26	fnb1	fnb1	PROPN
emaj-245	137	1	0.9076	0.9076	NUM
emaj-245	137	2	0	0	NUM
emaj-245	137	3	0	0	NUM
emaj-245	137	4	0	0	NUM
emaj-245	137	5	0	0	NUM
emaj-245	137	6	fnb2	fnb2	PROPN
emaj-245	137	7	0.9019	0.9019	NUM
emaj-245	137	8	0	0	NUM
emaj-245	137	9	0	0	NUM
emaj-245	137	10	0	0	NUM
emaj-245	137	11	0	0	NUM
emaj-245	137	12	fnb3	fnb3	NOUN
emaj-245	137	13	0.9079	0.9079	NUM
emaj-245	137	14	0	0	NUM
emaj-245	137	15	0	0	NUM
emaj-245	137	16	0	0	NUM
emaj-245	137	17	0	0	NUM
emaj-245	137	18	fnk2	fnk2	NOUN
emaj-245	137	19	0	0	NUM
emaj-245	137	20	0.8861	0.8861	NUM
emaj-245	137	21	0	0	NUM
emaj-245	137	22	0	0	NUM
emaj-245	137	23	0	0	NUM
emaj-245	138	1	fnk3	fnk3	ADJ
emaj-245	138	2	0	0	NUM
emaj-245	139	1	0.8777	0.8777	NUM
emaj-245	139	2	0	0	NUM
emaj-245	139	3	0	0	NUM
emaj-245	139	4	0	0	NUM
emaj-245	139	5	fnk4	fnk4	NOUN
emaj-245	139	6	0	0	NUM
emaj-245	140	1	0.8768	0.8768	NUM
emaj-245	140	2	0	0	NUM
emaj-245	140	3	0	0	SYM
emaj-245	140	4	0	0	NUM
emaj-245	140	5	fnp1	fnp1	NOUN
emaj-245	140	6	0	0	NUM
emaj-245	140	7	0	0	NUM
emaj-245	140	8	0.8518	0.8518	NUM
emaj-245	140	9	0	0	NUM
emaj-245	140	10	0	0	NUM
emaj-245	140	11	fnp2	fnp2	NOUN
emaj-245	140	12	0	0	NUM
emaj-245	140	13	0	0	NUM
emaj-245	140	14	0.8213	0.8213	NUM
emaj-245	140	15	0	0	NUM
emaj-245	140	16	0	0	NUM
emaj-245	140	17	fnp3	fnp3	NOUN
emaj-245	140	18	0	0	NUM
emaj-245	140	19	0	0	NUM
emaj-245	141	1	0.7818	0.7818	NUM
emaj-245	141	2	0	0	NUM
emaj-245	141	3	0	0	NUM
emaj-245	141	4	inc1	inc1	NOUN
emaj-245	141	5	0	0	NUM
emaj-245	141	6	0	0	NUM
emaj-245	141	7	0	0	NUM
emaj-245	141	8	0.9986	0.9986	NUM
emaj-245	141	9	0	0	X
emaj-245	142	1	inc2	inc2	ADJ
emaj-245	142	2	0	0	NUM
emaj-245	142	3	0	0	NUM
emaj-245	142	4	0	0	NUM
emaj-245	143	1	0.9047	0.9047	NUM
emaj-245	143	2	0	0	NUM
emaj-245	143	3	inc4	inc4	VERB
emaj-245	143	4	0	0	NUM
emaj-245	143	5	0	0	NUM
emaj-245	143	6	0	0	NUM
emaj-245	143	7	0.922	0.922	NUM
emaj-245	143	8	0	0	NUM
emaj-245	143	9	loc4	loc4	NOUN
emaj-245	143	10	0	0	NUM
emaj-245	143	11	0	0	NUM
emaj-245	143	12	0	0	NUM
emaj-245	143	13	0	0	NUM
emaj-245	143	14	0.9152	0.9152	NUM
emaj-245	143	15	loc1	loc1	NOUN
emaj-245	143	16	0	0	NUM
emaj-245	143	17	0	0	NUM
emaj-245	143	18	0	0	NUM
emaj-245	143	19	0	0	NUM
emaj-245	143	20	0.9132	0.9132	NUM
emaj-245	143	21	loc2	loc2	NOUN
emaj-245	143	22	0	0	NUM
emaj-245	143	23	0	0	NUM
emaj-245	143	24	0	0	NUM
emaj-245	143	25	0	0	NUM
emaj-245	143	26	0.908	0.908	NUM
emaj-245	143	27	source	source	NOUN
emaj-245	143	28	:	:	PUNCT
emaj-245	143	29	spss	spss	PROPN
emaj-245	143	30	software	software	NOUN
emaj-245	143	31	output	output	NOUN
emaj-245	143	32	table	table	NOUN
emaj-245	143	33	6	6	NUM
emaj-245	143	34	:	:	PUNCT
emaj-245	143	35	the	the	DET
emaj-245	143	36	correlation	correlation	NOUN
emaj-245	143	37	matrix	matrix	NOUN
emaj-245	143	38	fnb	fnb	PROPN
emaj-245	143	39	fnk	fnk	PROPN
emaj-245	143	40	fnp	fnp	PROPN
emaj-245	143	41	inc	inc	PROPN
emaj-245	143	42	loc	loc	PROPN
emaj-245	143	43	fnb	fnb	PROPN
emaj-245	144	1	0.7238	0.7238	NUM
emaj-245	144	2	0	0	NUM
emaj-245	144	3	0	0	NUM
emaj-245	144	4	0	0	NUM
emaj-245	144	5	0	0	NUM
emaj-245	144	6	fnk	fnk	VERB
emaj-245	144	7	0.6846	0.6846	NUM
emaj-245	144	8	0.8631	0.8631	NUM
emaj-245	144	9	0	0	NUM
emaj-245	144	10	0	0	NUM
emaj-245	144	11	0	0	NUM
emaj-245	144	12	fnp	fnp	PROPN
emaj-245	144	13	0.1182	0.1182	NOUN
emaj-245	144	14	0.3402	0.3402	NUM
emaj-245	144	15	0.8051	0.8051	NUM
emaj-245	144	16	0	0	NUM
emaj-245	144	17	0	0	NUM
emaj-245	144	18	inc	inc	PROPN
emaj-245	144	19	0.1798	0.1798	NUM
emaj-245	144	20	0.2047	0.2047	NUM
emaj-245	144	21	0.1931	0.1931	NUM
emaj-245	144	22	0.8349	0.8349	NUM
emaj-245	144	23	0	0	NUM
emaj-245	144	24	loc	loc	PROPN
emaj-245	144	25	0.5811	0.5811	NUM
emaj-245	144	26	0.5242	0.5242	NUM
emaj-245	144	27	0.0388	0.0388	NUM
emaj-245	144	28	0.3751	0.3751	NUM
emaj-245	144	29	0.8836	0.8836	NUM
emaj-245	144	30	source	source	NOUN
emaj-245	144	31	:	:	PUNCT
emaj-245	144	32	spss	spss	PROPN
emaj-245	144	33	software	software	PROPN
emaj-245	144	34	output	output	NOUN
emaj-245	144	35	volume	volume	NOUN
emaj-245	144	36	12	12	NUM
emaj-245	144	37	no	no	DET
emaj-245	144	38	1	1	NUM
emaj-245	144	39	(	(	PUNCT
emaj-245	144	40	2022	2022	NUM
emaj-245	144	41	)	)	PUNCT
emaj-245	144	42	|	|	ADV
emaj-245	144	43	issn	issn	VERB
emaj-245	144	44	2158	2158	NUM
emaj-245	144	45	-	-	SYM
emaj-245	144	46	8708	8708	NUM
emaj-245	144	47	(	(	PUNCT
emaj-245	144	48	online	online	NOUN
emaj-245	144	49	)	)	PUNCT
emaj-245	144	50	|	|	ADV
emaj-245	144	51	doi	doi	X
emaj-245	144	52	10.5195	10.5195	NUM
emaj-245	144	53	/	/	SYM
emaj-245	144	54	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	144	55	|	|	NOUN
emaj-245	144	56	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-245	144	57	dynamics	dynamic	NOUN
emaj-245	144	58	of	of	ADP
emaj-245	144	59	locus	locus	NOUN
emaj-245	144	60	of	of	ADP
emaj-245	144	61	control	control	NOUN
emaj-245	144	62	,	,	PUNCT
emaj-245	144	63	financial	financial	ADJ
emaj-245	144	64	knowledge	knowledge	NOUN
emaj-245	144	65	,	,	PUNCT
emaj-245	144	66	financial	financial	ADJ
emaj-245	144	67	behaviour	behaviour	NOUN
emaj-245	144	68	and	and	CCONJ
emaj-245	144	69	financial	financial	ADJ
emaj-245	144	70	position	position	NOUN
emaj-245	144	71	:	:	PUNCT
emaj-245	144	72	an	an	DET
emaj-245	144	73	empirical	empirical	ADJ
emaj-245	144	74	study	study	NOUN
emaj-245	144	75	page	page	NOUN
emaj-245	144	76	|64|	|64|	NOUN
emaj-245	144	77	emerging	emerge	VERB
emaj-245	144	78	markets	market	NOUN
emaj-245	144	79	journal	journal	VERB
emaj-245	144	80	structural	structural	ADJ
emaj-245	144	81	model	model	NOUN
emaj-245	144	82	the	the	DET
emaj-245	144	83	hypothesized	hypothesized	ADJ
emaj-245	144	84	model	model	NOUN
emaj-245	144	85	was	be	AUX
emaj-245	144	86	designed	design	VERB
emaj-245	144	87	to	to	PART
emaj-245	144	88	test	test	VERB
emaj-245	144	89	seven	seven	NUM
emaj-245	144	90	hypotheses	hypothesis	NOUN
emaj-245	144	91	built	build	VERB
emaj-245	144	92	based	base	VERB
emaj-245	144	93	on	on	ADP
emaj-245	144	94	the	the	DET
emaj-245	144	95	research	research	NOUN
emaj-245	144	96	literature	literature	NOUN
emaj-245	144	97	to	to	PART
emaj-245	144	98	study	study	VERB
emaj-245	144	99	the	the	DET
emaj-245	144	100	dynamics	dynamic	NOUN
emaj-245	144	101	of	of	ADP
emaj-245	144	102	loc	loc	PROPN
emaj-245	144	103	,	,	PUNCT
emaj-245	144	104	inc	inc	PROPN
emaj-245	144	105	,	,	PUNCT
emaj-245	144	106	fnb	fnb	PROPN
emaj-245	144	107	,	,	PUNCT
emaj-245	144	108	fnk	fnk	NOUN
emaj-245	144	109	and	and	CCONJ
emaj-245	144	110	fnp	fnp	PROPN
emaj-245	144	111	.	.	PUNCT
emaj-245	145	1	the	the	DET
emaj-245	145	2	model	model	NOUN
emaj-245	145	3	with	with	ADP
emaj-245	145	4	path	path	NOUN
emaj-245	145	5	coefficients	coefficient	NOUN
emaj-245	145	6	and	and	CCONJ
emaj-245	145	7	the	the	DET
emaj-245	145	8	explanatory	explanatory	ADJ
emaj-245	145	9	power	power	NOUN
emaj-245	145	10	(	(	PUNCT
emaj-245	145	11	r2	r2	PROPN
emaj-245	145	12	)	)	PUNCT
emaj-245	145	13	for	for	ADP
emaj-245	145	14	each	each	DET
emaj-245	145	15	dependent	dependent	ADJ
emaj-245	145	16	construct	construct	NOUN
emaj-245	145	17	is	be	AUX
emaj-245	145	18	displayed	display	VERB
emaj-245	145	19	in	in	ADP
emaj-245	145	20	figure	figure	NOUN
emaj-245	145	21	3	3	NUM
emaj-245	145	22	.	.	PUNCT
emaj-245	146	1	while	while	SCONJ
emaj-245	146	2	path	path	NOUN
emaj-245	146	3	coefficients	coefficient	NOUN
emaj-245	146	4	show	show	VERB
emaj-245	146	5	the	the	DET
emaj-245	146	6	strength	strength	NOUN
emaj-245	146	7	of	of	ADP
emaj-245	146	8	relationship	relationship	NOUN
emaj-245	146	9	between	between	ADP
emaj-245	146	10	the	the	DET
emaj-245	146	11	two	two	NUM
emaj-245	146	12	latent	latent	NOUN
emaj-245	146	13	variables	variable	NOUN
emaj-245	146	14	,	,	PUNCT
emaj-245	146	15	the	the	DET
emaj-245	146	16	t	t	NOUN
emaj-245	146	17	-	-	PUNCT
emaj-245	146	18	values	value	NOUN
emaj-245	146	19	(	(	PUNCT
emaj-245	146	20	figure	figure	NOUN
emaj-245	146	21	4	4	NUM
emaj-245	146	22	and	and	CCONJ
emaj-245	146	23	table	table	NOUN
emaj-245	146	24	7	7	NUM
emaj-245	146	25	)	)	PUNCT
emaj-245	146	26	are	be	AUX
emaj-245	146	27	indicative	indicative	ADJ
emaj-245	146	28	of	of	ADP
emaj-245	146	29	the	the	DET
emaj-245	146	30	significance	significance	NOUN
emaj-245	146	31	of	of	ADP
emaj-245	146	32	relationships	relationship	NOUN
emaj-245	146	33	which	which	PRON
emaj-245	146	34	enable	enable	VERB
emaj-245	146	35	hypotheses	hypothesis	NOUN
emaj-245	146	36	testing	testing	NOUN
emaj-245	146	37	.	.	PUNCT
emaj-245	147	1	the	the	DET
emaj-245	147	2	r2	r2	PROPN
emaj-245	147	3	values	value	NOUN
emaj-245	147	4	range	range	VERB
emaj-245	147	5	from	from	ADP
emaj-245	147	6	0.1	0.1	NUM
emaj-245	147	7	to	to	ADP
emaj-245	147	8	0.5	0.5	NUM
emaj-245	147	9	(	(	PUNCT
emaj-245	147	10	cut	cut	NOUN
emaj-245	147	11	-	-	PUNCT
emaj-245	147	12	off	off	ADP
emaj-245	147	13	0.1	0.1	NUM
emaj-245	147	14	)	)	PUNCT
emaj-245	147	15	which	which	PRON
emaj-245	147	16	indicates	indicate	VERB
emaj-245	147	17	moderate	moderate	ADJ
emaj-245	147	18	explanatory	explanatory	ADJ
emaj-245	147	19	power	power	NOUN
emaj-245	147	20	of	of	ADP
emaj-245	147	21	the	the	DET
emaj-245	147	22	model	model	NOUN
emaj-245	147	23	,	,	PUNCT
emaj-245	147	24	in	in	ADP
emaj-245	147	25	other	other	ADJ
emaj-245	147	26	words	word	NOUN
emaj-245	147	27	,	,	PUNCT
emaj-245	147	28	the	the	DET
emaj-245	147	29	exogenous	exogenous	ADJ
emaj-245	147	30	variables	variable	NOUN
emaj-245	147	31	influence	influence	VERB
emaj-245	147	32	up	up	ADP
emaj-245	147	33	to	to	PART
emaj-245	147	34	50	50	NUM
emaj-245	147	35	%	%	NOUN
emaj-245	147	36	on	on	ADP
emaj-245	147	37	the	the	DET
emaj-245	147	38	endogenous	endogenous	ADJ
emaj-245	147	39	variables	variable	NOUN
emaj-245	147	40	of	of	ADP
emaj-245	147	41	the	the	DET
emaj-245	147	42	study	study	NOUN
emaj-245	147	43	.	.	PUNCT
emaj-245	148	1	the	the	DET
emaj-245	148	2	path	path	NOUN
emaj-245	148	3	coefficients	coefficient	NOUN
emaj-245	148	4	are	be	AUX
emaj-245	148	5	up	up	ADP
emaj-245	148	6	to	to	ADP
emaj-245	148	7	a	a	DET
emaj-245	148	8	value	value	NOUN
emaj-245	148	9	of	of	ADP
emaj-245	148	10	0.5	0.5	NUM
emaj-245	148	11	for	for	ADP
emaj-245	148	12	the	the	DET
emaj-245	148	13	variables	variable	NOUN
emaj-245	148	14	associated	associate	VERB
emaj-245	148	15	through	through	ADP
emaj-245	148	16	hypotheses	hypothesis	NOUN
emaj-245	148	17	testing	test	VERB
emaj-245	148	18	and	and	CCONJ
emaj-245	148	19	indicate	indicate	VERB
emaj-245	148	20	a	a	DET
emaj-245	148	21	moderate	moderate	ADJ
emaj-245	148	22	influence	influence	NOUN
emaj-245	148	23	of	of	ADP
emaj-245	148	24	exogenous	exogenous	ADJ
emaj-245	148	25	variables	variable	NOUN
emaj-245	148	26	on	on	ADP
emaj-245	148	27	the	the	DET
emaj-245	148	28	endogenous	endogenous	ADJ
emaj-245	148	29	variables	variable	NOUN
emaj-245	148	30	.	.	PUNCT
emaj-245	149	1	table	table	NOUN
emaj-245	149	2	7	7	NUM
emaj-245	149	3	:	:	PUNCT
emaj-245	149	4	the	the	DET
emaj-245	149	5	t	t	NOUN
emaj-245	149	6	-	-	PUNCT
emaj-245	149	7	values	value	NOUN
emaj-245	149	8	of	of	ADP
emaj-245	149	9	the	the	DET
emaj-245	149	10	hypothetical	hypothetical	ADJ
emaj-245	149	11	model	model	NOUN
emaj-245	149	12	source	source	NOUN
emaj-245	149	13	:	:	PUNCT
emaj-245	149	14	spss	spss	PROPN
emaj-245	149	15	software	software	NOUN
emaj-245	149	16	output	output	NOUN
emaj-245	149	17	following	follow	VERB
emaj-245	149	18	hypotheses	hypothesis	NOUN
emaj-245	149	19	stand	stand	VERB
emaj-245	149	20	supported	support	VERB
emaj-245	149	21	:	:	PUNCT
emaj-245	149	22	h1	h1	PROPN
emaj-245	149	23	:	:	PUNCT
emaj-245	149	24	loc	loc	PROPN
emaj-245	149	25	has	have	VERB
emaj-245	149	26	a	a	DET
emaj-245	149	27	significant	significant	ADJ
emaj-245	149	28	influence	influence	NOUN
emaj-245	149	29	on	on	ADP
emaj-245	149	30	fnb	fnb	PROPN
emaj-245	149	31	.	.	PUNCT
emaj-245	150	1	h2	h2	PROPN
emaj-245	150	2	:	:	PUNCT
emaj-245	150	3	loc	loc	PROPN
emaj-245	150	4	has	have	VERB
emaj-245	150	5	a	a	DET
emaj-245	150	6	significant	significant	ADJ
emaj-245	150	7	influence	influence	NOUN
emaj-245	150	8	on	on	ADP
emaj-245	150	9	fnk	fnk	PROPN
emaj-245	150	10	.	.	PUNCT
emaj-245	151	1	h5	h5	PROPN
emaj-245	151	2	:	:	PUNCT
emaj-245	151	3	fnk	fnk	PROPN
emaj-245	151	4	has	have	VERB
emaj-245	151	5	a	a	DET
emaj-245	151	6	significant	significant	ADJ
emaj-245	151	7	influence	influence	NOUN
emaj-245	151	8	on	on	ADP
emaj-245	151	9	fnb	fnb	PROPN
emaj-245	151	10	.	.	PUNCT
emaj-245	152	1	h6	h6	PROPN
emaj-245	152	2	:	:	PUNCT
emaj-245	152	3	fnb	fnb	PROPN
emaj-245	152	4	has	have	VERB
emaj-245	152	5	a	a	DET
emaj-245	152	6	significant	significant	ADJ
emaj-245	152	7	influence	influence	NOUN
emaj-245	152	8	on	on	ADP
emaj-245	152	9	fnp	fnp	PROPN
emaj-245	152	10	.	.	PUNCT
emaj-245	153	1	h7	h7	PROPN
emaj-245	153	2	:	:	PUNCT
emaj-245	153	3	fnk	fnk	PROPN
emaj-245	153	4	has	have	VERB
emaj-245	153	5	a	a	DET
emaj-245	153	6	significant	significant	ADJ
emaj-245	153	7	influence	influence	NOUN
emaj-245	153	8	on	on	ADP
emaj-245	153	9	fnp	fnp	PROPN
emaj-245	153	10	.	.	PUNCT
emaj-245	154	1	following	follow	VERB
emaj-245	154	2	hypotheses	hypothesis	NOUN
emaj-245	154	3	are	be	AUX
emaj-245	154	4	not	not	PART
emaj-245	154	5	supported	support	VERB
emaj-245	154	6	:	:	PUNCT
emaj-245	154	7	h3	h3	NOUN
emaj-245	154	8	:	:	PUNCT
emaj-245	154	9	inc	inc	PROPN
emaj-245	154	10	has	have	VERB
emaj-245	154	11	a	a	DET
emaj-245	154	12	significant	significant	ADJ
emaj-245	154	13	influence	influence	NOUN
emaj-245	154	14	on	on	ADP
emaj-245	154	15	fnb	fnb	PROPN
emaj-245	154	16	.	.	PUNCT
emaj-245	155	1	h4	h4	PROPN
emaj-245	155	2	:	:	PUNCT
emaj-245	155	3	inc	inc	PROPN
emaj-245	155	4	has	have	VERB
emaj-245	155	5	a	a	DET
emaj-245	155	6	significant	significant	ADJ
emaj-245	155	7	influence	influence	NOUN
emaj-245	155	8	on	on	ADP
emaj-245	155	9	fnk	fnk	PROPN
emaj-245	155	10	.	.	PUNCT
emaj-245	156	1	figure	figure	NOUN
emaj-245	156	2	3	3	NUM
emaj-245	156	3	.	.	NOUN
emaj-245	156	4	path	path	NOUN
emaj-245	156	5	coefficients	coefficient	NOUN
emaj-245	156	6	and	and	CCONJ
emaj-245	156	7	factor	factor	NOUN
emaj-245	156	8	loading	loading	NOUN
emaj-245	156	9	source	source	NOUN
emaj-245	156	10	:	:	PUNCT
emaj-245	156	11	authors	author	NOUN
emaj-245	156	12	’	'	PUNCT
emaj-245	156	13	own	own	ADJ
emaj-245	156	14	compilation	compilation	NOUN
emaj-245	156	15	figure	figure	NOUN
emaj-245	156	16	4	4	NUM
emaj-245	156	17	.	.	X
emaj-245	156	18	t	t	NOUN
emaj-245	156	19	-	-	PUNCT
emaj-245	156	20	values	value	NOUN
emaj-245	156	21	of	of	ADP
emaj-245	156	22	the	the	DET
emaj-245	156	23	hypothetical	hypothetical	ADJ
emaj-245	156	24	model	model	NOUN
emaj-245	156	25	source	source	NOUN
emaj-245	156	26	:	:	PUNCT
emaj-245	156	27	authors	author	NOUN
emaj-245	156	28	’	'	PUNCT
emaj-245	156	29	own	own	ADJ
emaj-245	156	30	compilation	compilation	NOUN
emaj-245	156	31	v.	v.	ADP
emaj-245	156	32	findings	finding	NOUN
emaj-245	156	33	and	and	CCONJ
emaj-245	156	34	discussion	discussion	NOUN
emaj-245	156	35	the	the	DET
emaj-245	156	36	financial	financial	ADJ
emaj-245	156	37	behaviour	behaviour	NOUN
emaj-245	156	38	of	of	ADP
emaj-245	156	39	citizens	citizen	NOUN
emaj-245	156	40	of	of	ADP
emaj-245	156	41	qatar	qatar	PROPN
emaj-245	156	42	justifies	justify	VERB
emaj-245	156	43	the	the	DET
emaj-245	156	44	position	position	NOUN
emaj-245	156	45	of	of	ADP
emaj-245	156	46	the	the	DET
emaj-245	156	47	country	country	NOUN
emaj-245	156	48	among	among	ADP
emaj-245	156	49	the	the	DET
emaj-245	156	50	richest	rich	ADJ
emaj-245	156	51	economies	economy	NOUN
emaj-245	156	52	of	of	ADP
emaj-245	156	53	the	the	DET
emaj-245	156	54	world	world	NOUN
emaj-245	156	55	.	.	PUNCT
emaj-245	157	1	following	follow	VERB
emaj-245	157	2	discussion	discussion	NOUN
emaj-245	157	3	emerging	emerge	VERB
emaj-245	157	4	through	through	ADP
emaj-245	157	5	the	the	DET
emaj-245	157	6	findings	finding	NOUN
emaj-245	157	7	of	of	ADP
emaj-245	157	8	the	the	DET
emaj-245	157	9	study	study	NOUN
emaj-245	157	10	provides	provide	VERB
emaj-245	157	11	adequate	adequate	ADJ
emaj-245	157	12	evidence	evidence	NOUN
emaj-245	157	13	to	to	ADP
emaj-245	157	14	this	this	DET
emaj-245	157	15	point	point	NOUN
emaj-245	157	16	.	.	PUNCT
emaj-245	158	1	1	1	X
emaj-245	158	2	.	.	X
emaj-245	158	3	first	first	ADV
emaj-245	158	4	,	,	PUNCT
emaj-245	158	5	the	the	DET
emaj-245	158	6	demographics	demographic	NOUN
emaj-245	158	7	of	of	ADP
emaj-245	158	8	the	the	DET
emaj-245	158	9	sample	sample	NOUN
emaj-245	158	10	chosen	choose	VERB
emaj-245	158	11	indicates	indicate	VERB
emaj-245	158	12	that	that	SCONJ
emaj-245	158	13	majority	majority	NOUN
emaj-245	158	14	of	of	ADP
emaj-245	158	15	the	the	DET
emaj-245	158	16	respondents	respondent	NOUN
emaj-245	158	17	are	be	AUX
emaj-245	158	18	above	above	ADP
emaj-245	158	19	the	the	DET
emaj-245	158	20	income	income	NOUN
emaj-245	158	21	level	level	NOUN
emaj-245	158	22	of	of	ADP
emaj-245	158	23	30,000	30,000	NUM
emaj-245	158	24	-	-	SYM
emaj-245	158	25	40,000	40,000	NUM
emaj-245	158	26	qar	qar	NOUN
emaj-245	158	27	per	per	ADP
emaj-245	158	28	month	month	NOUN
emaj-245	158	29	which	which	PRON
emaj-245	158	30	is	be	AUX
emaj-245	158	31	indicative	indicative	ADJ
emaj-245	158	32	that	that	SCONJ
emaj-245	158	33	the	the	DET
emaj-245	158	34	household	household	NOUN
emaj-245	158	35	in	in	ADP
emaj-245	158	36	qatar	qatar	PROPN
emaj-245	158	37	enjoys	enjoy	VERB
emaj-245	158	38	the	the	DET
emaj-245	158	39	luxury	luxury	NOUN
emaj-245	158	40	of	of	ADP
emaj-245	158	41	being	be	AUX
emaj-245	158	42	among	among	ADP
emaj-245	158	43	the	the	DET
emaj-245	158	44	richer	rich	ADJ
emaj-245	158	45	class	class	NOUN
emaj-245	158	46	.	.	PUNCT
emaj-245	159	1	2	2	X
emaj-245	159	2	.	.	X
emaj-245	159	3	hypothesis	hypothesis	NOUN
emaj-245	159	4	testing	testing	NOUN
emaj-245	159	5	has	have	AUX
emaj-245	159	6	revealed	reveal	VERB
emaj-245	159	7	that	that	SCONJ
emaj-245	159	8	the	the	DET
emaj-245	159	9	locus	locus	NOUN
emaj-245	159	10	of	of	ADP
emaj-245	159	11	control	control	NOUN
emaj-245	159	12	has	have	VERB
emaj-245	159	13	a	a	DET
emaj-245	159	14	significant	significant	ADJ
emaj-245	159	15	influence	influence	NOUN
emaj-245	159	16	on	on	ADP
emaj-245	159	17	the	the	DET
emaj-245	159	18	financial	financial	ADJ
emaj-245	159	19	knowledge	knowledge	NOUN
emaj-245	159	20	of	of	ADP
emaj-245	159	21	the	the	DET
emaj-245	159	22	respondents	respondent	NOUN
emaj-245	159	23	.	.	PUNCT
emaj-245	160	1	earlier	early	ADJ
emaj-245	160	2	studies	study	NOUN
emaj-245	160	3	have	have	AUX
emaj-245	160	4	proved	prove	VERB
emaj-245	160	5	that	that	SCONJ
emaj-245	160	6	people	people	NOUN
emaj-245	160	7	with	with	ADP
emaj-245	160	8	external	external	ADJ
emaj-245	160	9	locus	locus	NOUN
emaj-245	160	10	of	of	ADP
emaj-245	160	11	control	control	NOUN
emaj-245	160	12	believe	believe	VERB
emaj-245	160	13	in	in	ADP
emaj-245	160	14	chance	chance	NOUN
emaj-245	160	15	,	,	PUNCT
emaj-245	160	16	luck	luck	NOUN
emaj-245	160	17	,	,	PUNCT
emaj-245	160	18	and	and	CCONJ
emaj-245	160	19	similar	similar	ADJ
emaj-245	160	20	factors	factor	NOUN
emaj-245	160	21	for	for	ADP
emaj-245	160	22	financial	financial	ADJ
emaj-245	160	23	success	success	NOUN
emaj-245	160	24	,	,	PUNCT
emaj-245	160	25	but	but	CCONJ
emaj-245	160	26	those	those	PRON
emaj-245	160	27	with	with	ADP
emaj-245	160	28	internal	internal	ADJ
emaj-245	160	29	locus	locus	NOUN
emaj-245	160	30	of	of	ADP
emaj-245	160	31	control	control	NOUN
emaj-245	160	32	believe	believe	VERB
emaj-245	160	33	in	in	ADP
emaj-245	160	34	their	their	PRON
emaj-245	160	35	own	own	ADJ
emaj-245	160	36	decisions	decision	NOUN
emaj-245	160	37	to	to	PART
emaj-245	160	38	be	be	AUX
emaj-245	160	39	contributing	contribute	VERB
emaj-245	160	40	to	to	ADP
emaj-245	160	41	the	the	DET
emaj-245	160	42	financial	financial	ADJ
emaj-245	160	43	success	success	NOUN
emaj-245	160	44	(	(	PUNCT
emaj-245	160	45	e.g.	e.g.	ADV
emaj-245	160	46	,	,	PUNCT
emaj-245	160	47	zakaria	zakaria	PROPN
emaj-245	160	48	et	et	PROPN
emaj-245	160	49	al	al	PROPN
emaj-245	160	50	.	.	PROPN
emaj-245	160	51	,	,	PUNCT
emaj-245	160	52	2012	2012	NUM
emaj-245	160	53	)	)	PUNCT
emaj-245	160	54	and	and	CCONJ
emaj-245	160	55	financial	financial	ADJ
emaj-245	160	56	knowledge	knowledge	NOUN
emaj-245	160	57	is	be	AUX
emaj-245	160	58	quintessential	quintessential	ADJ
emaj-245	160	59	for	for	ADP
emaj-245	160	60	making	make	VERB
emaj-245	160	61	sound	sound	ADJ
emaj-245	160	62	financial	financial	ADJ
emaj-245	160	63	decisions	decision	NOUN
emaj-245	160	64	.	.	PUNCT
emaj-245	161	1	thus	thus	ADV
emaj-245	161	2	,	,	PUNCT
emaj-245	161	3	the	the	DET
emaj-245	161	4	respondents	respondent	NOUN
emaj-245	161	5	have	have	VERB
emaj-245	161	6	an	an	DET
emaj-245	161	7	internal	internal	ADJ
emaj-245	161	8	locus	locus	NOUN
emaj-245	161	9	of	of	ADP
emaj-245	161	10	control	control	NOUN
emaj-245	161	11	which	which	PRON
emaj-245	161	12	facilitates	facilitate	VERB
emaj-245	161	13	them	they	PRON
emaj-245	161	14	in	in	ADP
emaj-245	161	15	gaining	gain	VERB
emaj-245	161	16	the	the	DET
emaj-245	161	17	financial	financial	ADJ
emaj-245	161	18	knowledge	knowledge	NOUN
emaj-245	161	19	.	.	PUNCT
emaj-245	162	1	volume	volume	NOUN
emaj-245	162	2	12	12	NUM
emaj-245	162	3	no	no	DET
emaj-245	162	4	1	1	NUM
emaj-245	162	5	(	(	PUNCT
emaj-245	162	6	2022	2022	NUM
emaj-245	162	7	)	)	PUNCT
emaj-245	162	8	|	|	ADV
emaj-245	162	9	issn	issn	VERB
emaj-245	162	10	2158	2158	NUM
emaj-245	162	11	-	-	SYM
emaj-245	162	12	8708	8708	NUM
emaj-245	162	13	(	(	PUNCT
emaj-245	162	14	online	online	NOUN
emaj-245	162	15	)	)	PUNCT
emaj-245	162	16	|	|	ADV
emaj-245	162	17	doi	doi	X
emaj-245	162	18	10.5195	10.5195	NUM
emaj-245	162	19	/	/	SYM
emaj-245	162	20	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	163	1	|	|	NOUN
emaj-245	163	2	http://emaj.pitt.edu	http://emaj.pitt.edu	PROPN
emaj-245	163	3	girish	girish	PROPN
emaj-245	163	4	karunakaran	karunakaran	PROPN
emaj-245	163	5	nair	nair	PROPN
emaj-245	163	6	emerging	emerge	VERB
emaj-245	163	7	markets	market	NOUN
emaj-245	163	8	journal	journal	NOUN
emaj-245	163	9	|	|	ADV
emaj-245	163	10	p	p	NOUN
emaj-245	163	11	a	a	DET
emaj-245	163	12	g	g	NOUN
emaj-245	163	13	e	e	NOUN
emaj-245	163	14	|65	|65	NOUN
emaj-245	163	15	3	3	X
emaj-245	163	16	.	.	PUNCT
emaj-245	164	1	the	the	DET
emaj-245	164	2	research	research	NOUN
emaj-245	164	3	has	have	AUX
emaj-245	164	4	provided	provide	VERB
emaj-245	164	5	evidence	evidence	NOUN
emaj-245	164	6	that	that	SCONJ
emaj-245	164	7	locus	locus	NOUN
emaj-245	164	8	of	of	ADP
emaj-245	164	9	control	control	NOUN
emaj-245	164	10	also	also	ADV
emaj-245	164	11	influences	influence	VERB
emaj-245	164	12	the	the	DET
emaj-245	164	13	financial	financial	ADJ
emaj-245	164	14	behaviour	behaviour	NOUN
emaj-245	164	15	of	of	ADP
emaj-245	164	16	the	the	DET
emaj-245	164	17	people	people	NOUN
emaj-245	164	18	significantly	significantly	ADV
emaj-245	164	19	.	.	PUNCT
emaj-245	165	1	again	again	ADV
emaj-245	165	2	,	,	PUNCT
emaj-245	165	3	the	the	DET
emaj-245	165	4	earlier	early	ADJ
emaj-245	165	5	research	research	NOUN
emaj-245	165	6	has	have	AUX
emaj-245	165	7	proved	prove	VERB
emaj-245	165	8	that	that	SCONJ
emaj-245	165	9	individuals	individual	NOUN
emaj-245	165	10	with	with	ADP
emaj-245	165	11	internal	internal	ADJ
emaj-245	165	12	locus	locus	NOUN
emaj-245	165	13	of	of	ADP
emaj-245	165	14	control	control	NOUN
emaj-245	165	15	believe	believe	VERB
emaj-245	165	16	that	that	SCONJ
emaj-245	165	17	it	it	PRON
emaj-245	165	18	is	be	AUX
emaj-245	165	19	their	their	PRON
emaj-245	165	20	own	own	ADJ
emaj-245	165	21	financial	financial	ADJ
emaj-245	165	22	practices	practice	NOUN
emaj-245	165	23	which	which	PRON
emaj-245	165	24	lead	lead	VERB
emaj-245	165	25	to	to	ADP
emaj-245	165	26	the	the	DET
emaj-245	165	27	financial	financial	ADJ
emaj-245	165	28	position	position	NOUN
emaj-245	165	29	,	,	PUNCT
emaj-245	165	30	and	and	CCONJ
emaj-245	165	31	hence	hence	ADV
emaj-245	165	32	they	they	PRON
emaj-245	165	33	exhibit	exhibit	VERB
emaj-245	165	34	more	more	ADV
emaj-245	165	35	responsible	responsible	ADJ
emaj-245	165	36	financial	financial	ADJ
emaj-245	165	37	behaviour	behaviour	NOUN
emaj-245	165	38	(	(	PUNCT
emaj-245	165	39	perry	perry	PROPN
emaj-245	165	40	et	et	PROPN
emaj-245	165	41	al	al	PROPN
emaj-245	165	42	.	.	PROPN
emaj-245	165	43	,	,	PUNCT
emaj-245	165	44	2005	2005	NUM
emaj-245	165	45	;	;	PUNCT
emaj-245	165	46	grable	grable	PROPN
emaj-245	165	47	et	et	PROPN
emaj-245	165	48	al	al	PROPN
emaj-245	165	49	.	.	PROPN
emaj-245	165	50	,	,	PUNCT
emaj-245	165	51	2009	2009	NUM
emaj-245	165	52	)	)	PUNCT
emaj-245	165	53	.	.	PUNCT
emaj-245	166	1	it	it	PRON
emaj-245	166	2	must	must	AUX
emaj-245	166	3	be	be	AUX
emaj-245	166	4	noted	note	VERB
emaj-245	166	5	that	that	SCONJ
emaj-245	166	6	this	this	DET
emaj-245	166	7	finding	finding	NOUN
emaj-245	166	8	of	of	ADP
emaj-245	166	9	this	this	DET
emaj-245	166	10	research	research	NOUN
emaj-245	166	11	is	be	AUX
emaj-245	166	12	in	in	ADP
emaj-245	166	13	direct	direct	ADJ
emaj-245	166	14	contrast	contrast	NOUN
emaj-245	166	15	to	to	ADP
emaj-245	166	16	the	the	DET
emaj-245	166	17	finding	finding	NOUN
emaj-245	166	18	which	which	PRON
emaj-245	166	19	indicates	indicate	VERB
emaj-245	166	20	that	that	SCONJ
emaj-245	166	21	higher	high	ADJ
emaj-245	166	22	locus	locus	NOUN
emaj-245	166	23	of	of	ADP
emaj-245	166	24	control	control	NOUN
emaj-245	166	25	i.e.	i.e.	X
emaj-245	166	26	,	,	PUNCT
emaj-245	166	27	internal	internal	ADJ
emaj-245	166	28	locus	locus	NOUN
emaj-245	166	29	of	of	ADP
emaj-245	166	30	control	control	NOUN
emaj-245	166	31	has	have	VERB
emaj-245	166	32	higher	high	ADJ
emaj-245	166	33	debt	debt	NOUN
emaj-245	166	34	due	due	ADP
emaj-245	166	35	to	to	ADP
emaj-245	166	36	a	a	DET
emaj-245	166	37	negative	negative	ADJ
emaj-245	166	38	financial	financial	ADJ
emaj-245	166	39	behaviour	behaviour	NOUN
emaj-245	166	40	(	(	PUNCT
emaj-245	166	41	lunt	lunt	PROPN
emaj-245	166	42	and	and	CCONJ
emaj-245	166	43	livingstone	livingstone	PROPN
emaj-245	166	44	,	,	PUNCT
emaj-245	166	45	1991	1991	NUM
emaj-245	166	46	and	and	CCONJ
emaj-245	166	47	cosma	cosma	PROPN
emaj-245	166	48	&	&	CCONJ
emaj-245	166	49	pattarin	pattarin	PROPN
emaj-245	166	50	,	,	PUNCT
emaj-245	166	51	2010	2010	NUM
emaj-245	166	52	)	)	PUNCT
emaj-245	166	53	.	.	PUNCT
emaj-245	167	1	4	4	X
emaj-245	167	2	.	.	X
emaj-245	167	3	it	it	PRON
emaj-245	167	4	has	have	AUX
emaj-245	167	5	been	be	AUX
emaj-245	167	6	found	find	VERB
emaj-245	167	7	that	that	SCONJ
emaj-245	167	8	financial	financial	ADJ
emaj-245	167	9	knowledge	knowledge	NOUN
emaj-245	167	10	has	have	VERB
emaj-245	167	11	a	a	DET
emaj-245	167	12	significant	significant	ADJ
emaj-245	167	13	influence	influence	NOUN
emaj-245	167	14	on	on	ADP
emaj-245	167	15	financial	financial	ADJ
emaj-245	167	16	behaviour	behaviour	NOUN
emaj-245	167	17	.	.	PUNCT
emaj-245	168	1	several	several	ADJ
emaj-245	168	2	researchers	researcher	NOUN
emaj-245	168	3	have	have	AUX
emaj-245	168	4	emphasized	emphasize	VERB
emaj-245	168	5	the	the	DET
emaj-245	168	6	importance	importance	NOUN
emaj-245	168	7	of	of	ADP
emaj-245	168	8	financial	financial	ADJ
emaj-245	168	9	knowledge	knowledge	NOUN
emaj-245	168	10	in	in	ADP
emaj-245	168	11	shaping	shape	VERB
emaj-245	168	12	the	the	DET
emaj-245	168	13	financial	financial	ADJ
emaj-245	168	14	behaviour	behaviour	NOUN
emaj-245	168	15	(	(	PUNCT
emaj-245	168	16	hogarth	hogarth	NOUN
emaj-245	168	17	,	,	PUNCT
emaj-245	168	18	et	et	PROPN
emaj-245	168	19	al	al	PROPN
emaj-245	168	20	.	.	PROPN
emaj-245	168	21	,	,	PUNCT
emaj-245	168	22	2002	2002	NUM
emaj-245	168	23	;	;	PUNCT
emaj-245	168	24	hilgert	hilgert	PROPN
emaj-245	168	25	et	et	PROPN
emaj-245	168	26	al	al	PROPN
emaj-245	168	27	.	.	PROPN
emaj-245	168	28	,	,	PUNCT
emaj-245	168	29	2004	2004	NUM
emaj-245	168	30	;	;	PUNCT
emaj-245	168	31	perry	perry	PROPN
emaj-245	168	32	et	et	PROPN
emaj-245	168	33	al	al	PROPN
emaj-245	168	34	.	.	PROPN
emaj-245	168	35	,	,	PUNCT
emaj-245	168	36	2005	2005	NUM
emaj-245	168	37	)	)	PUNCT
emaj-245	168	38	.	.	PUNCT
emaj-245	169	1	thus	thus	ADV
emaj-245	169	2	,	,	PUNCT
emaj-245	169	3	the	the	DET
emaj-245	169	4	research	research	NOUN
emaj-245	169	5	finding	finding	NOUN
emaj-245	169	6	is	be	AUX
emaj-245	169	7	consistent	consistent	ADJ
emaj-245	169	8	with	with	ADP
emaj-245	169	9	the	the	DET
emaj-245	169	10	earlier	early	ADJ
emaj-245	169	11	studies	study	NOUN
emaj-245	169	12	and	and	CCONJ
emaj-245	169	13	it	it	PRON
emaj-245	169	14	also	also	ADV
emaj-245	169	15	indicates	indicate	VERB
emaj-245	169	16	that	that	SCONJ
emaj-245	169	17	the	the	DET
emaj-245	169	18	financial	financial	ADJ
emaj-245	169	19	behaviour	behaviour	NOUN
emaj-245	169	20	of	of	ADP
emaj-245	169	21	citizens	citizen	NOUN
emaj-245	169	22	of	of	ADP
emaj-245	169	23	qatar	qatar	PROPN
emaj-245	169	24	is	be	AUX
emaj-245	169	25	governed	govern	VERB
emaj-245	169	26	by	by	ADP
emaj-245	169	27	the	the	DET
emaj-245	169	28	financial	financial	ADJ
emaj-245	169	29	knowledge	knowledge	NOUN
emaj-245	169	30	they	they	PRON
emaj-245	169	31	acquire	acquire	VERB
emaj-245	169	32	through	through	ADP
emaj-245	169	33	various	various	ADJ
emaj-245	169	34	means	mean	NOUN
emaj-245	169	35	.	.	PUNCT
emaj-245	170	1	to	to	ADP
emaj-245	170	2	that	that	DET
emaj-245	170	3	extent	extent	NOUN
emaj-245	170	4	the	the	DET
emaj-245	170	5	government	government	NOUN
emaj-245	170	6	has	have	AUX
emaj-245	170	7	been	be	AUX
emaj-245	170	8	successful	successful	ADJ
emaj-245	170	9	in	in	ADP
emaj-245	170	10	educating	educate	VERB
emaj-245	170	11	the	the	DET
emaj-245	170	12	citizens	citizen	NOUN
emaj-245	170	13	of	of	ADP
emaj-245	170	14	the	the	DET
emaj-245	170	15	country	country	NOUN
emaj-245	170	16	.	.	PUNCT
emaj-245	171	1	5	5	X
emaj-245	171	2	.	.	X
emaj-245	171	3	it	it	PRON
emaj-245	171	4	has	have	AUX
emaj-245	171	5	been	be	AUX
emaj-245	171	6	revealed	reveal	VERB
emaj-245	171	7	in	in	ADP
emaj-245	171	8	this	this	DET
emaj-245	171	9	study	study	NOUN
emaj-245	171	10	that	that	SCONJ
emaj-245	171	11	financial	financial	ADJ
emaj-245	171	12	knowledge	knowledge	NOUN
emaj-245	171	13	has	have	VERB
emaj-245	171	14	a	a	DET
emaj-245	171	15	significant	significant	ADJ
emaj-245	171	16	influence	influence	NOUN
emaj-245	171	17	on	on	ADP
emaj-245	171	18	the	the	DET
emaj-245	171	19	financial	financial	ADJ
emaj-245	171	20	position	position	NOUN
emaj-245	171	21	of	of	ADP
emaj-245	171	22	the	the	DET
emaj-245	171	23	household	household	NOUN
emaj-245	171	24	.	.	PUNCT
emaj-245	172	1	this	this	DET
emaj-245	172	2	finding	finding	NOUN
emaj-245	172	3	is	be	AUX
emaj-245	172	4	consistent	consistent	ADJ
emaj-245	172	5	with	with	ADP
emaj-245	172	6	the	the	DET
emaj-245	172	7	earlier	early	ADJ
emaj-245	172	8	research	research	NOUN
emaj-245	172	9	(	(	PUNCT
emaj-245	172	10	e.g.	e.g.	ADV
emaj-245	172	11	,	,	PUNCT
emaj-245	172	12	hogarth	hogarth	NOUN
emaj-245	172	13	,	,	PUNCT
emaj-245	172	14	et	et	PROPN
emaj-245	172	15	al	al	PROPN
emaj-245	172	16	.	.	PROPN
emaj-245	172	17	,	,	PUNCT
emaj-245	172	18	2002	2002	NUM
emaj-245	172	19	;	;	PUNCT
emaj-245	172	20	hilgert	hilgert	PROPN
emaj-245	172	21	et	et	PROPN
emaj-245	172	22	al	al	PROPN
emaj-245	172	23	.	.	PROPN
emaj-245	172	24	,	,	PUNCT
emaj-245	172	25	2003	2003	NUM
emaj-245	172	26	and	and	CCONJ
emaj-245	172	27	grable	grable	NOUN
emaj-245	172	28	et	et	PROPN
emaj-245	172	29	al	al	PROPN
emaj-245	172	30	.	.	PROPN
emaj-245	172	31	,	,	PUNCT
emaj-245	172	32	2009	2009	NUM
emaj-245	172	33	)	)	PUNCT
emaj-245	172	34	.	.	PUNCT
emaj-245	173	1	the	the	DET
emaj-245	173	2	finding	finding	NOUN
emaj-245	173	3	indicates	indicate	VERB
emaj-245	173	4	that	that	SCONJ
emaj-245	173	5	if	if	SCONJ
emaj-245	173	6	the	the	DET
emaj-245	173	7	society	society	NOUN
emaj-245	173	8	has	have	VERB
emaj-245	173	9	an	an	DET
emaj-245	173	10	exposure	exposure	NOUN
emaj-245	173	11	to	to	ADP
emaj-245	173	12	the	the	DET
emaj-245	173	13	financial	financial	ADJ
emaj-245	173	14	knowledge	knowledge	NOUN
emaj-245	173	15	it	it	PRON
emaj-245	173	16	would	would	AUX
emaj-245	173	17	plan	plan	VERB
emaj-245	173	18	accordingly	accordingly	ADV
emaj-245	173	19	and	and	CCONJ
emaj-245	173	20	lead	lead	VERB
emaj-245	173	21	to	to	ADP
emaj-245	173	22	better	well	ADJ
emaj-245	173	23	financial	financial	ADJ
emaj-245	173	24	position	position	NOUN
emaj-245	173	25	.	.	PUNCT
emaj-245	174	1	6	6	X
emaj-245	174	2	.	.	PUNCT
emaj-245	174	3	the	the	DET
emaj-245	174	4	study	study	NOUN
emaj-245	174	5	has	have	AUX
emaj-245	174	6	revealed	reveal	VERB
emaj-245	174	7	that	that	SCONJ
emaj-245	174	8	financial	financial	ADJ
emaj-245	174	9	behaviour	behaviour	NOUN
emaj-245	174	10	has	have	VERB
emaj-245	174	11	a	a	DET
emaj-245	174	12	significant	significant	ADJ
emaj-245	174	13	influence	influence	NOUN
emaj-245	174	14	on	on	ADP
emaj-245	174	15	financial	financial	ADJ
emaj-245	174	16	position	position	NOUN
emaj-245	174	17	.	.	PUNCT
emaj-245	175	1	earlier	early	ADJ
emaj-245	175	2	studies	study	NOUN
emaj-245	175	3	have	have	AUX
emaj-245	175	4	proved	prove	VERB
emaj-245	175	5	that	that	SCONJ
emaj-245	175	6	those	those	PRON
emaj-245	175	7	who	who	PRON
emaj-245	175	8	adhere	adhere	VERB
emaj-245	175	9	to	to	ADP
emaj-245	175	10	responsible	responsible	ADJ
emaj-245	175	11	financial	financial	ADJ
emaj-245	175	12	behaviour	behaviour	NOUN
emaj-245	175	13	report	report	NOUN
emaj-245	175	14	lower	low	ADJ
emaj-245	175	15	financial	financial	ADJ
emaj-245	175	16	difficulties	difficulty	NOUN
emaj-245	175	17	(	(	PUNCT
emaj-245	175	18	lea	lea	PROPN
emaj-245	175	19	et	et	PROPN
emaj-245	175	20	al	al	PROPN
emaj-245	175	21	.	.	PROPN
emaj-245	175	22	,	,	PUNCT
emaj-245	175	23	1995	1995	NUM
emaj-245	175	24	;	;	PUNCT
emaj-245	175	25	joo	joo	PROPN
emaj-245	175	26	et	et	PROPN
emaj-245	175	27	al	al	PROPN
emaj-245	175	28	.	.	PROPN
emaj-245	175	29	,	,	PUNCT
emaj-245	175	30	2004	2004	NUM
emaj-245	175	31	and	and	CCONJ
emaj-245	175	32	dowling	dowle	VERB
emaj-245	175	33	et	et	PROPN
emaj-245	175	34	al	al	PROPN
emaj-245	175	35	.	.	PROPN
emaj-245	175	36	,	,	PUNCT
emaj-245	175	37	2009	2009	NUM
emaj-245	175	38	)	)	PUNCT
emaj-245	175	39	and	and	CCONJ
emaj-245	175	40	higher	high	ADJ
emaj-245	175	41	financial	financial	ADJ
emaj-245	175	42	satisfaction	satisfaction	NOUN
emaj-245	175	43	(	(	PUNCT
emaj-245	175	44	parrotta	parrotta	PROPN
emaj-245	175	45	et	et	PROPN
emaj-245	175	46	al	al	PROPN
emaj-245	175	47	.	.	PROPN
emaj-245	175	48	,	,	PUNCT
emaj-245	175	49	1998	1998	NUM
emaj-245	175	50	and	and	CCONJ
emaj-245	175	51	joo	joo	PROPN
emaj-245	175	52	et	et	PROPN
emaj-245	175	53	al	al	PROPN
emaj-245	175	54	.	.	PROPN
emaj-245	175	55	,	,	PUNCT
emaj-245	175	56	2004	2004	NUM
emaj-245	175	57	)	)	PUNCT
emaj-245	175	58	.	.	PUNCT
emaj-245	176	1	thus	thus	ADV
emaj-245	176	2	,	,	PUNCT
emaj-245	176	3	it	it	PRON
emaj-245	176	4	is	be	AUX
emaj-245	176	5	evident	evident	ADJ
emaj-245	176	6	that	that	SCONJ
emaj-245	176	7	the	the	DET
emaj-245	176	8	qatari	qatari	ADJ
emaj-245	176	9	citizens	citizen	NOUN
emaj-245	176	10	have	have	VERB
emaj-245	176	11	a	a	DET
emaj-245	176	12	positive	positive	ADJ
emaj-245	176	13	financial	financial	ADJ
emaj-245	176	14	behaviour	behaviour	NOUN
emaj-245	176	15	which	which	PRON
emaj-245	176	16	leads	lead	VERB
emaj-245	176	17	to	to	ADP
emaj-245	176	18	their	their	PRON
emaj-245	176	19	financial	financial	ADJ
emaj-245	176	20	position	position	NOUN
emaj-245	176	21	.	.	PUNCT
emaj-245	177	1	7	7	X
emaj-245	177	2	.	.	X
emaj-245	177	3	finally	finally	ADV
emaj-245	177	4	,	,	PUNCT
emaj-245	177	5	it	it	PRON
emaj-245	177	6	was	be	AUX
emaj-245	177	7	interesting	interesting	ADJ
emaj-245	177	8	to	to	PART
emaj-245	177	9	note	note	VERB
emaj-245	177	10	that	that	SCONJ
emaj-245	177	11	the	the	DET
emaj-245	177	12	income	income	NOUN
emaj-245	177	13	of	of	ADP
emaj-245	177	14	the	the	DET
emaj-245	177	15	household	household	NOUN
emaj-245	177	16	had	have	VERB
emaj-245	177	17	neither	neither	CCONJ
emaj-245	177	18	any	any	DET
emaj-245	177	19	significant	significant	ADJ
emaj-245	177	20	influence	influence	NOUN
emaj-245	177	21	on	on	ADP
emaj-245	177	22	the	the	DET
emaj-245	177	23	financial	financial	ADJ
emaj-245	177	24	knowledge	knowledge	NOUN
emaj-245	177	25	or	or	CCONJ
emaj-245	177	26	financial	financial	ADJ
emaj-245	177	27	behaviour	behaviour	NOUN
emaj-245	177	28	.	.	PUNCT
emaj-245	178	1	this	this	PRON
emaj-245	178	2	is	be	AUX
emaj-245	178	3	a	a	DET
emaj-245	178	4	clear	clear	ADJ
emaj-245	178	5	indication	indication	NOUN
emaj-245	178	6	that	that	SCONJ
emaj-245	178	7	the	the	DET
emaj-245	178	8	citizens	citizen	NOUN
emaj-245	178	9	of	of	ADP
emaj-245	178	10	qatar	qatar	PROPN
emaj-245	178	11	have	have	AUX
emaj-245	178	12	a	a	DET
emaj-245	178	13	clear	clear	ADJ
emaj-245	178	14	idea	idea	NOUN
emaj-245	178	15	about	about	ADP
emaj-245	178	16	the	the	DET
emaj-245	178	17	financial	financial	ADJ
emaj-245	178	18	behaviour	behaviour	NOUN
emaj-245	178	19	and	and	CCONJ
emaj-245	178	20	financial	financial	ADJ
emaj-245	178	21	knowledge	knowledge	NOUN
emaj-245	178	22	which	which	PRON
emaj-245	178	23	is	be	AUX
emaj-245	178	24	independent	independent	ADJ
emaj-245	178	25	of	of	ADP
emaj-245	178	26	their	their	PRON
emaj-245	178	27	economic	economic	ADJ
emaj-245	178	28	background	background	NOUN
emaj-245	178	29	.	.	PUNCT
emaj-245	179	1	whether	whether	SCONJ
emaj-245	179	2	the	the	DET
emaj-245	179	3	citizen	citizen	NOUN
emaj-245	179	4	belongs	belong	VERB
emaj-245	179	5	to	to	ADP
emaj-245	179	6	an	an	DET
emaj-245	179	7	affluent	affluent	ADJ
emaj-245	179	8	class	class	NOUN
emaj-245	179	9	or	or	CCONJ
emaj-245	179	10	not	not	PART
emaj-245	179	11	the	the	DET
emaj-245	179	12	financial	financial	ADJ
emaj-245	179	13	knowledge	knowledge	NOUN
emaj-245	179	14	and	and	CCONJ
emaj-245	179	15	the	the	DET
emaj-245	179	16	financial	financial	ADJ
emaj-245	179	17	behaviour	behaviour	NOUN
emaj-245	179	18	gets	get	AUX
emaj-245	179	19	formed	form	VERB
emaj-245	179	20	through	through	ADP
emaj-245	179	21	observation	observation	NOUN
emaj-245	179	22	and	and	CCONJ
emaj-245	179	23	the	the	DET
emaj-245	179	24	practical	practical	ADJ
emaj-245	179	25	situations	situation	NOUN
emaj-245	179	26	.	.	PUNCT
emaj-245	180	1	there	there	PRON
emaj-245	180	2	is	be	VERB
emaj-245	180	3	no	no	DET
emaj-245	180	4	rule	rule	NOUN
emaj-245	180	5	that	that	SCONJ
emaj-245	180	6	those	those	PRON
emaj-245	180	7	with	with	ADP
emaj-245	180	8	high	high	ADJ
emaj-245	180	9	income	income	NOUN
emaj-245	180	10	group	group	NOUN
emaj-245	180	11	should	should	AUX
emaj-245	180	12	exhibit	exhibit	VERB
emaj-245	180	13	a	a	DET
emaj-245	180	14	positive	positive	ADJ
emaj-245	180	15	financial	financial	ADJ
emaj-245	180	16	behaviour	behaviour	NOUN
emaj-245	180	17	leading	lead	VERB
emaj-245	180	18	to	to	ADP
emaj-245	180	19	a	a	DET
emaj-245	180	20	financial	financial	ADJ
emaj-245	180	21	position	position	NOUN
emaj-245	180	22	and	and	CCONJ
emaj-245	180	23	vice	vice	NOUN
emaj-245	180	24	versa	versa	ADV
emaj-245	180	25	.	.	PUNCT
emaj-245	181	1	this	this	PRON
emaj-245	181	2	is	be	AUX
emaj-245	181	3	quite	quite	ADV
emaj-245	181	4	positive	positive	ADJ
emaj-245	181	5	about	about	ADP
emaj-245	181	6	a	a	DET
emaj-245	181	7	community	community	NOUN
emaj-245	181	8	and	and	CCONJ
emaj-245	181	9	probably	probably	ADV
emaj-245	181	10	the	the	DET
emaj-245	181	11	main	main	ADJ
emaj-245	181	12	reason	reason	NOUN
emaj-245	181	13	why	why	SCONJ
emaj-245	181	14	the	the	DET
emaj-245	181	15	country	country	NOUN
emaj-245	181	16	is	be	AUX
emaj-245	181	17	one	one	NUM
emaj-245	181	18	of	of	ADP
emaj-245	181	19	the	the	DET
emaj-245	181	20	richest	rich	ADJ
emaj-245	181	21	counties	county	NOUN
emaj-245	181	22	in	in	ADP
emaj-245	181	23	the	the	DET
emaj-245	181	24	world	world	NOUN
emaj-245	181	25	since	since	SCONJ
emaj-245	181	26	the	the	DET
emaj-245	181	27	past	past	ADJ
emaj-245	181	28	several	several	ADJ
emaj-245	181	29	years	year	NOUN
emaj-245	181	30	.	.	PUNCT
emaj-245	182	1	vi	vi	X
emaj-245	182	2	.	.	NOUN
emaj-245	182	3	conclusion	conclusion	NOUN
emaj-245	182	4	and	and	CCONJ
emaj-245	182	5	recommendations	recommendation	NOUN
emaj-245	182	6	this	this	DET
emaj-245	182	7	research	research	NOUN
emaj-245	182	8	has	have	AUX
emaj-245	182	9	investigated	investigate	VERB
emaj-245	182	10	the	the	DET
emaj-245	182	11	mediating	mediate	VERB
emaj-245	182	12	effect	effect	NOUN
emaj-245	182	13	of	of	ADP
emaj-245	182	14	financial	financial	ADJ
emaj-245	182	15	knowledge	knowledge	NOUN
emaj-245	182	16	and	and	CCONJ
emaj-245	182	17	financial	financial	ADJ
emaj-245	182	18	behaviour	behaviour	NOUN
emaj-245	182	19	of	of	ADP
emaj-245	182	20	the	the	DET
emaj-245	182	21	citizens	citizen	NOUN
emaj-245	182	22	of	of	ADP
emaj-245	182	23	qatar	qatar	NOUN
emaj-245	182	24	between	between	ADP
emaj-245	182	25	the	the	DET
emaj-245	182	26	locus	locus	NOUN
emaj-245	182	27	of	of	ADP
emaj-245	182	28	control	control	NOUN
emaj-245	182	29	and	and	CCONJ
emaj-245	182	30	financial	financial	ADJ
emaj-245	182	31	position	position	NOUN
emaj-245	182	32	and	and	CCONJ
emaj-245	182	33	the	the	DET
emaj-245	182	34	income	income	NOUN
emaj-245	182	35	group	group	NOUN
emaj-245	182	36	and	and	CCONJ
emaj-245	182	37	financial	financial	ADJ
emaj-245	182	38	position	position	NOUN
emaj-245	182	39	.	.	PUNCT
emaj-245	183	1	the	the	DET
emaj-245	183	2	results	result	NOUN
emaj-245	183	3	of	of	ADP
emaj-245	183	4	hypotheses	hypothesis	NOUN
emaj-245	183	5	testing	testing	NOUN
emaj-245	183	6	have	have	AUX
emaj-245	183	7	revealed	reveal	VERB
emaj-245	183	8	that	that	SCONJ
emaj-245	183	9	income	income	NOUN
emaj-245	183	10	group	group	NOUN
emaj-245	183	11	had	have	VERB
emaj-245	183	12	absolutely	absolutely	ADV
emaj-245	183	13	no	no	PRON
emaj-245	183	14	role	role	NOUN
emaj-245	183	15	to	to	PART
emaj-245	183	16	play	play	VERB
emaj-245	183	17	in	in	ADP
emaj-245	183	18	the	the	DET
emaj-245	183	19	financial	financial	ADJ
emaj-245	183	20	knowledge	knowledge	NOUN
emaj-245	183	21	or	or	CCONJ
emaj-245	183	22	financial	financial	ADJ
emaj-245	183	23	behaviour	behaviour	NOUN
emaj-245	183	24	of	of	ADP
emaj-245	183	25	the	the	DET
emaj-245	183	26	households	household	NOUN
emaj-245	183	27	.	.	PUNCT
emaj-245	184	1	but	but	CCONJ
emaj-245	184	2	at	at	ADP
emaj-245	184	3	the	the	DET
emaj-245	184	4	same	same	ADJ
emaj-245	184	5	time	time	NOUN
emaj-245	184	6	the	the	DET
emaj-245	184	7	financial	financial	ADJ
emaj-245	184	8	knowledge	knowledge	NOUN
emaj-245	184	9	and	and	CCONJ
emaj-245	184	10	financial	financial	ADJ
emaj-245	184	11	behaviour	behaviour	NOUN
emaj-245	184	12	has	have	AUX
emaj-245	184	13	very	very	ADV
emaj-245	184	14	successfully	successfully	ADV
emaj-245	184	15	mediated	mediate	VERB
emaj-245	184	16	between	between	ADP
emaj-245	184	17	the	the	DET
emaj-245	184	18	locus	locus	NOUN
emaj-245	184	19	of	of	ADP
emaj-245	184	20	control	control	NOUN
emaj-245	184	21	and	and	CCONJ
emaj-245	184	22	the	the	DET
emaj-245	184	23	financial	financial	ADJ
emaj-245	184	24	position	position	NOUN
emaj-245	184	25	.	.	PUNCT
emaj-245	185	1	thus	thus	ADV
emaj-245	185	2	it	it	PRON
emaj-245	185	3	can	can	AUX
emaj-245	185	4	be	be	AUX
emaj-245	185	5	concluded	conclude	VERB
emaj-245	185	6	that	that	SCONJ
emaj-245	185	7	the	the	DET
emaj-245	185	8	citizens	citizen	NOUN
emaj-245	185	9	of	of	ADP
emaj-245	185	10	qatar	qatar	PROPN
emaj-245	185	11	have	have	VERB
emaj-245	185	12	a	a	DET
emaj-245	185	13	sound	sound	ADJ
emaj-245	185	14	financial	financial	ADJ
emaj-245	185	15	knowledge	knowledge	NOUN
emaj-245	185	16	,	,	PUNCT
emaj-245	185	17	irrespective	irrespective	ADV
emaj-245	185	18	of	of	ADP
emaj-245	185	19	the	the	DET
emaj-245	185	20	income	income	NOUN
emaj-245	185	21	group	group	NOUN
emaj-245	185	22	,	,	PUNCT
emaj-245	185	23	through	through	ADP
emaj-245	185	24	which	which	PRON
emaj-245	185	25	they	they	PRON
emaj-245	185	26	influence	influence	VERB
emaj-245	185	27	the	the	DET
emaj-245	185	28	financial	financial	ADJ
emaj-245	185	29	behaviour	behaviour	NOUN
emaj-245	185	30	to	to	PART
emaj-245	185	31	lead	lead	VERB
emaj-245	185	32	towards	towards	ADP
emaj-245	185	33	a	a	DET
emaj-245	185	34	better	well	ADJ
emaj-245	185	35	financial	financial	ADJ
emaj-245	185	36	position	position	NOUN
emaj-245	185	37	.	.	PUNCT
emaj-245	186	1	while	while	SCONJ
emaj-245	186	2	this	this	DET
emaj-245	186	3	research	research	NOUN
emaj-245	186	4	has	have	AUX
emaj-245	186	5	supported	support	VERB
emaj-245	186	6	many	many	ADJ
emaj-245	186	7	of	of	ADP
emaj-245	186	8	the	the	DET
emaj-245	186	9	earlier	early	ADJ
emaj-245	186	10	studies	study	NOUN
emaj-245	186	11	,	,	PUNCT
emaj-245	186	12	it	it	PRON
emaj-245	186	13	has	have	AUX
emaj-245	186	14	also	also	ADV
emaj-245	186	15	contradicted	contradict	VERB
emaj-245	186	16	some	some	PRON
emaj-245	186	17	of	of	ADP
emaj-245	186	18	the	the	DET
emaj-245	186	19	studies	study	NOUN
emaj-245	186	20	as	as	SCONJ
emaj-245	186	21	listed	list	VERB
emaj-245	186	22	in	in	ADP
emaj-245	186	23	the	the	DET
emaj-245	186	24	discussions	discussion	NOUN
emaj-245	186	25	.	.	PUNCT
emaj-245	187	1	qatar	qatar	PROPN
emaj-245	187	2	is	be	AUX
emaj-245	187	3	basically	basically	ADV
emaj-245	187	4	a	a	DET
emaj-245	187	5	progressive	progressive	ADJ
emaj-245	187	6	country	country	NOUN
emaj-245	187	7	in	in	ADP
emaj-245	187	8	terms	term	NOUN
emaj-245	187	9	of	of	ADP
emaj-245	187	10	the	the	DET
emaj-245	187	11	economy	economy	NOUN
emaj-245	187	12	and	and	CCONJ
emaj-245	187	13	consistently	consistently	ADV
emaj-245	187	14	listed	list	VERB
emaj-245	187	15	among	among	ADP
emaj-245	187	16	the	the	DET
emaj-245	187	17	richest	rich	ADJ
emaj-245	187	18	in	in	ADP
emaj-245	187	19	the	the	DET
emaj-245	187	20	world	world	NOUN
emaj-245	187	21	and	and	CCONJ
emaj-245	187	22	the	the	DET
emaj-245	187	23	leading	lead	VERB
emaj-245	187	24	economy	economy	NOUN
emaj-245	187	25	and	and	CCONJ
emaj-245	187	26	this	this	DET
emaj-245	187	27	research	research	NOUN
emaj-245	187	28	has	have	AUX
emaj-245	187	29	proved	prove	VERB
emaj-245	187	30	that	that	SCONJ
emaj-245	187	31	the	the	DET
emaj-245	187	32	citizens	citizen	NOUN
emaj-245	187	33	of	of	ADP
emaj-245	187	34	the	the	DET
emaj-245	187	35	country	country	NOUN
emaj-245	187	36	have	have	AUX
emaj-245	187	37	played	play	VERB
emaj-245	187	38	a	a	DET
emaj-245	187	39	major	major	ADJ
emaj-245	187	40	role	role	NOUN
emaj-245	187	41	in	in	ADP
emaj-245	187	42	achieving	achieve	VERB
emaj-245	187	43	this	this	DET
emaj-245	187	44	status	status	NOUN
emaj-245	187	45	through	through	ADP
emaj-245	187	46	their	their	PRON
emaj-245	187	47	financial	financial	ADJ
emaj-245	187	48	knowledge	knowledge	NOUN
emaj-245	187	49	irrespective	irrespective	ADV
emaj-245	187	50	of	of	ADP
emaj-245	187	51	the	the	DET
emaj-245	187	52	income	income	NOUN
emaj-245	187	53	group	group	NOUN
emaj-245	187	54	to	to	PART
emaj-245	187	55	which	which	PRON
emaj-245	187	56	they	they	PRON
emaj-245	187	57	belong	belong	VERB
emaj-245	187	58	to	to	ADP
emaj-245	187	59	.	.	PUNCT
emaj-245	188	1	this	this	DET
emaj-245	188	2	research	research	NOUN
emaj-245	188	3	is	be	AUX
emaj-245	188	4	the	the	DET
emaj-245	188	5	outcome	outcome	NOUN
emaj-245	188	6	of	of	ADP
emaj-245	188	7	systematic	systematic	ADJ
emaj-245	188	8	implementation	implementation	NOUN
emaj-245	188	9	of	of	ADP
emaj-245	188	10	the	the	DET
emaj-245	188	11	research	research	NOUN
emaj-245	188	12	methodology	methodology	NOUN
emaj-245	188	13	as	as	SCONJ
emaj-245	188	14	governed	govern	VERB
emaj-245	188	15	by	by	ADP
emaj-245	188	16	the	the	DET
emaj-245	188	17	principles	principle	NOUN
emaj-245	188	18	of	of	ADP
emaj-245	188	19	structural	structural	ADJ
emaj-245	188	20	equation	equation	NOUN
emaj-245	188	21	modelling	modelling	NOUN
emaj-245	188	22	.	.	PUNCT
emaj-245	189	1	the	the	DET
emaj-245	189	2	major	major	ADJ
emaj-245	189	3	limitation	limitation	NOUN
emaj-245	189	4	of	of	ADP
emaj-245	189	5	the	the	DET
emaj-245	189	6	study	study	NOUN
emaj-245	189	7	is	be	AUX
emaj-245	189	8	that	that	SCONJ
emaj-245	189	9	it	it	PRON
emaj-245	189	10	is	be	AUX
emaj-245	189	11	mainly	mainly	ADV
emaj-245	189	12	dependent	dependent	ADJ
emaj-245	189	13	in	in	ADP
emaj-245	189	14	the	the	DET
emaj-245	189	15	quantitative	quantitative	ADJ
emaj-245	189	16	analysis	analysis	NOUN
emaj-245	189	17	.	.	PUNCT
emaj-245	190	1	the	the	DET
emaj-245	190	2	study	study	NOUN
emaj-245	190	3	would	would	AUX
emaj-245	190	4	have	have	AUX
emaj-245	190	5	been	be	AUX
emaj-245	190	6	more	more	ADV
emaj-245	190	7	meaningful	meaningful	ADJ
emaj-245	190	8	if	if	SCONJ
emaj-245	190	9	coupled	couple	VERB
emaj-245	190	10	with	with	ADP
emaj-245	190	11	interviews	interview	NOUN
emaj-245	190	12	with	with	ADP
emaj-245	190	13	some	some	PRON
emaj-245	190	14	of	of	ADP
emaj-245	190	15	the	the	DET
emaj-245	190	16	most	most	ADV
emaj-245	190	17	successful	successful	ADJ
emaj-245	190	18	households	household	NOUN
emaj-245	190	19	.	.	PUNCT
emaj-245	191	1	sample	sample	NOUN
emaj-245	191	2	size	size	NOUN
emaj-245	191	3	of	of	ADP
emaj-245	191	4	the	the	DET
emaj-245	191	5	study	study	NOUN
emaj-245	191	6	is	be	AUX
emaj-245	191	7	also	also	ADV
emaj-245	191	8	another	another	DET
emaj-245	191	9	limitation	limitation	NOUN
emaj-245	191	10	.	.	PUNCT
emaj-245	192	1	however	however	ADV
emaj-245	192	2	,	,	PUNCT
emaj-245	192	3	through	through	ADP
emaj-245	192	4	the	the	DET
emaj-245	192	5	fundamental	fundamental	ADJ
emaj-245	192	6	principles	principle	NOUN
emaj-245	192	7	of	of	ADP
emaj-245	192	8	sem	sem	NOUN
emaj-245	192	9	the	the	DET
emaj-245	192	10	results	result	NOUN
emaj-245	192	11	can	can	AUX
emaj-245	192	12	be	be	AUX
emaj-245	192	13	generalized	generalize	VERB
emaj-245	192	14	to	to	ADP
emaj-245	192	15	a	a	DET
emaj-245	192	16	great	great	ADJ
emaj-245	192	17	extent	extent	NOUN
emaj-245	192	18	as	as	SCONJ
emaj-245	192	19	the	the	DET
emaj-245	192	20	sample	sample	NOUN
emaj-245	192	21	size	size	NOUN
emaj-245	192	22	meets	meet	VERB
emaj-245	192	23	the	the	DET
emaj-245	192	24	requirement	requirement	NOUN
emaj-245	192	25	of	of	ADP
emaj-245	192	26	sem	sem	NOUN
emaj-245	192	27	and	and	CCONJ
emaj-245	192	28	it	it	PRON
emaj-245	192	29	has	have	AUX
emaj-245	192	30	been	be	AUX
emaj-245	192	31	spread	spread	VERB
emaj-245	192	32	across	across	ADP
emaj-245	192	33	the	the	DET
emaj-245	192	34	cross	cross	NOUN
emaj-245	192	35	section	section	NOUN
emaj-245	192	36	of	of	ADP
emaj-245	192	37	the	the	DET
emaj-245	192	38	country	country	NOUN
emaj-245	192	39	.	.	PUNCT
emaj-245	193	1	this	this	DET
emaj-245	193	2	study	study	NOUN
emaj-245	193	3	can	can	AUX
emaj-245	193	4	be	be	AUX
emaj-245	193	5	treated	treat	VERB
emaj-245	193	6	as	as	ADP
emaj-245	193	7	the	the	DET
emaj-245	193	8	benchmark	benchmark	NOUN
emaj-245	193	9	for	for	ADP
emaj-245	193	10	the	the	DET
emaj-245	193	11	developing	develop	VERB
emaj-245	193	12	economies	economy	NOUN
emaj-245	193	13	as	as	SCONJ
emaj-245	193	14	it	it	PRON
emaj-245	193	15	provides	provide	VERB
emaj-245	193	16	meaningful	meaningful	ADJ
emaj-245	193	17	insights	insight	NOUN
emaj-245	193	18	on	on	ADP
emaj-245	193	19	how	how	SCONJ
emaj-245	193	20	the	the	DET
emaj-245	193	21	citizens	citizen	NOUN
emaj-245	193	22	of	of	ADP
emaj-245	193	23	a	a	DET
emaj-245	193	24	leading	lead	VERB
emaj-245	193	25	economy	economy	NOUN
emaj-245	193	26	respond	respond	VERB
emaj-245	193	27	to	to	ADP
emaj-245	193	28	the	the	DET
emaj-245	193	29	financial	financial	ADJ
emaj-245	193	30	position	position	NOUN
emaj-245	193	31	.	.	PUNCT
emaj-245	194	1	references	reference	NOUN
emaj-245	194	2	agarwalla	agarwalla	VERB
emaj-245	194	3	,	,	PUNCT
emaj-245	194	4	s.k	s.k	PROPN
emaj-245	194	5	.	.	PROPN
emaj-245	194	6	,	,	PUNCT
emaj-245	194	7	baarua	baarua	PROPN
emaj-245	194	8	,	,	PUNCT
emaj-245	194	9	s.k	s.k	PROPN
emaj-245	194	10	.	.	PROPN
emaj-245	194	11	,	,	PUNCT
emaj-245	194	12	jacob	jacob	PROPN
emaj-245	194	13	,	,	PUNCT
emaj-245	194	14	j.	j.	PROPN
emaj-245	194	15	,	,	PUNCT
emaj-245	194	16	varma	varma	PROPN
emaj-245	194	17	,	,	PUNCT
emaj-245	194	18	j.	j.	PROPN
emaj-245	194	19	,	,	PUNCT
emaj-245	194	20	(	(	PUNCT
emaj-245	194	21	2012	2012	NUM
emaj-245	194	22	)	)	PUNCT
emaj-245	194	23	.	.	PUNCT
emaj-245	195	1	financial	financial	ADJ
emaj-245	195	2	literacy	literacy	NOUN
emaj-245	195	3	among	among	ADP
emaj-245	195	4	working	work	VERB
emaj-245	195	5	young	young	ADJ
emaj-245	195	6	in	in	ADP
emaj-245	195	7	urban	urban	PROPN
emaj-245	195	8	india	india	PROPN
emaj-245	195	9	.	.	PUNCT
emaj-245	196	1	working	working	PROPN
emaj-245	196	2	paper	paper	PROPN
emaj-245	196	3	iim	iim	PROPN
emaj-245	196	4	,	,	PUNCT
emaj-245	196	5	ahmadabad	ahmadabad	PROPN
emaj-245	196	6	,	,	PUNCT
emaj-245	196	7	india	india	PROPN
emaj-245	196	8	.	.	PUNCT
emaj-245	196	9	avard	avard	PROPN
emaj-245	196	10	,	,	PUNCT
emaj-245	196	11	s.	s.	PROPN
emaj-245	196	12	,	,	PUNCT
emaj-245	196	13	manton	manton	PROPN
emaj-245	196	14	,	,	PUNCT
emaj-245	196	15	e.	e.	PROPN
emaj-245	196	16	,	,	PUNCT
emaj-245	196	17	english	english	PROPN
emaj-245	196	18	,	,	PUNCT
emaj-245	196	19	d.	d.	PROPN
emaj-245	196	20	,	,	PUNCT
emaj-245	196	21	walker	walker	PROPN
emaj-245	196	22	,	,	PUNCT
emaj-245	196	23	j.	j.	PROPN
emaj-245	196	24	(	(	PUNCT
emaj-245	196	25	2005	2005	NUM
emaj-245	196	26	)	)	PUNCT
emaj-245	196	27	.	.	PUNCT
emaj-245	197	1	the	the	DET
emaj-245	197	2	financial	financial	ADJ
emaj-245	197	3	knowledge	knowledge	NOUN
emaj-245	197	4	of	of	ADP
emaj-245	197	5	college	college	NOUN
emaj-245	197	6	freshmen	freshman	NOUN
emaj-245	197	7	.	.	PUNCT
emaj-245	198	1	college	college	NOUN
emaj-245	198	2	student	student	NOUN
emaj-245	198	3	journal	journal	PROPN
emaj-245	198	4	,	,	PUNCT
emaj-245	198	5	39(2	39(2	NUM
emaj-245	198	6	)	)	PUNCT
emaj-245	198	7	,	,	PUNCT
emaj-245	198	8	321	321	NUM
emaj-245	198	9	-	-	SYM
emaj-245	198	10	338	338	NUM
emaj-245	198	11	.	.	PUNCT
emaj-245	199	1	cobb	cobb	PROPN
emaj-245	199	2	-	-	PUNCT
emaj-245	199	3	clark	clark	PROPN
emaj-245	199	4	,	,	PUNCT
emaj-245	199	5	d.a	d.a	PROPN
emaj-245	199	6	.	.	PROPN
emaj-245	199	7	(	(	PUNCT
emaj-245	199	8	2015	2015	NUM
emaj-245	199	9	)	)	PUNCT
emaj-245	199	10	.	.	PUNCT
emaj-245	200	1	locus	locus	NOUN
emaj-245	200	2	of	of	ADP
emaj-245	200	3	control	control	NOUN
emaj-245	200	4	and	and	CCONJ
emaj-245	200	5	the	the	DET
emaj-245	200	6	labor	labor	NOUN
emaj-245	200	7	market	market	NOUN
emaj-245	200	8	.	.	PUNCT
emaj-245	201	1	journal	journal	PROPN
emaj-245	201	2	of	of	ADP
emaj-245	201	3	labor	labor	NOUN
emaj-245	201	4	economics	economic	NOUN
emaj-245	201	5	.	.	PUNCT
emaj-245	202	1	4(3	4(3	NUM
emaj-245	202	2	)	)	PUNCT
emaj-245	202	3	,	,	PUNCT
emaj-245	202	4	119	119	NUM
emaj-245	202	5	.	.	X
emaj-245	202	6	cosma	cosma	PROPN
emaj-245	202	7	,	,	PUNCT
emaj-245	202	8	s.	s.	PROPN
emaj-245	202	9	,	,	PUNCT
emaj-245	202	10	pattarin	pattarin	PROPN
emaj-245	202	11	,	,	PUNCT
emaj-245	202	12	f.	f.	PROPN
emaj-245	202	13	(	(	PUNCT
emaj-245	202	14	2010	2010	NUM
emaj-245	202	15	)	)	PUNCT
emaj-245	202	16	.	.	PUNCT
emaj-245	203	1	attitudes	attitude	NOUN
emaj-245	203	2	,	,	PUNCT
emaj-245	203	3	personality	personality	NOUN
emaj-245	203	4	factors	factor	NOUN
emaj-245	203	5	and	and	CCONJ
emaj-245	203	6	household	household	NOUN
emaj-245	203	7	debt	debt	NOUN
emaj-245	203	8	decisions	decision	NOUN
emaj-245	203	9	:	:	PUNCT
emaj-245	203	10	a	a	DET
emaj-245	203	11	study	study	NOUN
emaj-245	203	12	of	of	ADP
emaj-245	203	13	consumer	consumer	NOUN
emaj-245	203	14	credit	credit	NOUN
emaj-245	203	15	.	.	PUNCT
emaj-245	204	1	retrieved	retrieve	VERB
emaj-245	204	2	on	on	ADP
emaj-245	204	3	12th	12th	ADJ
emaj-245	204	4	november	november	PROPN
emaj-245	204	5	,	,	PUNCT
emaj-245	204	6	2015	2015	NUM
emaj-245	204	7	from	from	ADP
emaj-245	204	8	:	:	PUNCT
emaj-245	204	9	http://ssrn.com/abstract=1685765	http://ssrn.com/abstract=1685765	PROPN
emaj-245	204	10	creswell	creswell	PROPN
emaj-245	204	11	,	,	PUNCT
emaj-245	204	12	j.	j.	PROPN
emaj-245	204	13	w.	w.	PROPN
emaj-245	204	14	(	(	PUNCT
emaj-245	204	15	2008	2008	NUM
emaj-245	204	16	)	)	PUNCT
emaj-245	204	17	.	.	PUNCT
emaj-245	205	1	research	research	NOUN
emaj-245	205	2	design	design	PROPN
emaj-245	205	3	:	:	PUNCT
emaj-245	205	4	qualitative	qualitative	NOUN
emaj-245	205	5	,	,	PUNCT
emaj-245	205	6	quantitative	quantitative	ADJ
emaj-245	205	7	,	,	PUNCT
emaj-245	205	8	and	and	CCONJ
emaj-245	205	9	mixed	mixed	ADJ
emaj-245	205	10	methods	method	NOUN
emaj-245	205	11	approaches	approach	NOUN
emaj-245	205	12	.	.	PUNCT
emaj-245	206	1	ny	ny	NOUN
emaj-245	206	2	:	:	PUNCT
emaj-245	206	3	sage	sage	NOUN
emaj-245	206	4	publishers	publisher	NOUN
emaj-245	206	5	.	.	PUNCT
emaj-245	207	1	volume	volume	NOUN
emaj-245	207	2	12	12	NUM
emaj-245	207	3	no	no	DET
emaj-245	207	4	1	1	NUM
emaj-245	207	5	(	(	PUNCT
emaj-245	207	6	2022	2022	NUM
emaj-245	207	7	)	)	PUNCT
emaj-245	207	8	|	|	ADV
emaj-245	207	9	issn	issn	VERB
emaj-245	207	10	2158	2158	NUM
emaj-245	207	11	-	-	SYM
emaj-245	207	12	8708	8708	NUM
emaj-245	207	13	(	(	PUNCT
emaj-245	207	14	online	online	NOUN
emaj-245	207	15	)	)	PUNCT
emaj-245	207	16	|	|	ADV
emaj-245	207	17	doi	doi	X
emaj-245	207	18	10.5195	10.5195	NUM
emaj-245	207	19	/	/	SYM
emaj-245	207	20	emaj.2022.245	emaj.2022.245	PROPN
emaj-245	208	1	|	|	NOUN
emaj-245	208	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-245	208	3	dynamics	dynamic	NOUN
emaj-245	208	4	of	of	ADP
emaj-245	208	5	locus	locus	NOUN
emaj-245	208	6	of	of	ADP
emaj-245	208	7	control	control	NOUN
emaj-245	208	8	,	,	PUNCT
emaj-245	208	9	financial	financial	ADJ
emaj-245	208	10	knowledge	knowledge	NOUN
emaj-245	208	11	,	,	PUNCT
emaj-245	208	12	financial	financial	ADJ
emaj-245	208	13	behaviour	behaviour	NOUN
emaj-245	208	14	and	and	CCONJ
emaj-245	208	15	financial	financial	ADJ
emaj-245	208	16	position	position	NOUN
emaj-245	208	17	:	:	PUNCT
emaj-245	208	18	an	an	DET
emaj-245	208	19	empirical	empirical	ADJ
emaj-245	208	20	study	study	NOUN
emaj-245	208	21	page	page	NOUN
emaj-245	208	22	|66|	|66|	NOUN
emaj-245	208	23	emerging	emerge	VERB
emaj-245	208	24	markets	market	NOUN
emaj-245	208	25	journal	journal	PROPN
emaj-245	208	26	dowling	dowling	PROPN
emaj-245	208	27	,	,	PUNCT
emaj-245	208	28	n.a	n.a	PROPN
emaj-245	208	29	.	.	PROPN
emaj-245	208	30	,	,	PUNCT
emaj-245	208	31	corney	corney	PROPN
emaj-245	208	32	,	,	PUNCT
emaj-245	208	33	t.	t.	PROPN
emaj-245	208	34	,	,	PUNCT
emaj-245	208	35	hoiles	hoile	NOUN
emaj-245	208	36	,	,	PUNCT
emaj-245	208	37	l.	l.	PROPN
emaj-245	208	38	(	(	PUNCT
emaj-245	208	39	2009	2009	NUM
emaj-245	208	40	)	)	PUNCT
emaj-245	208	41	.	.	PUNCT
emaj-245	209	1	financial	financial	ADJ
emaj-245	209	2	management	management	NOUN
emaj-245	209	3	practices	practice	NOUN
emaj-245	209	4	and	and	CCONJ
emaj-245	209	5	money	money	NOUN
emaj-245	209	6	,	,	PUNCT
emaj-245	209	7	attitudes	attitude	NOUN
emaj-245	209	8	as	as	ADP
emaj-245	209	9	determinants	determinant	NOUN
emaj-245	209	10	of	of	ADP
emaj-245	209	11	financial	financial	ADJ
emaj-245	209	12	problems	problem	NOUN
emaj-245	209	13	and	and	CCONJ
emaj-245	209	14	dissatisfaction	dissatisfaction	NOUN
emaj-245	209	15	in	in	ADP
emaj-245	209	16	young	young	ADJ
emaj-245	209	17	male	male	ADJ
emaj-245	209	18	australian	australian	ADJ
emaj-245	209	19	workers	worker	NOUN
emaj-245	209	20	.	.	PUNCT
emaj-245	210	1	journal	journal	NOUN
emaj-245	210	2	of	of	ADP
emaj-245	210	3	financial	financial	ADJ
emaj-245	210	4	counselling	counselling	NOUN
emaj-245	210	5	and	and	CCONJ
emaj-245	210	6	planning	planning	NOUN
emaj-245	210	7	.	.	PUNCT
emaj-245	211	1	vol	vol	NOUN
emaj-245	211	2	.	.	PROPN
emaj-245	212	1	20	20	NUM
emaj-245	212	2	,	,	PUNCT
emaj-245	212	3	5	5	NUM
emaj-245	212	4	-	-	SYM
emaj-245	212	5	13	13	NUM
emaj-245	212	6	.	.	PUNCT
emaj-245	213	1	gohari	gohari	PROPN
emaj-245	213	2	,	,	PUNCT
emaj-245	213	3	m.e	m.e	PROPN
emaj-245	213	4	.	.	PROPN
emaj-245	213	5	,	,	PUNCT
emaj-245	213	6	bagheri	bagheri	PROPN
emaj-245	213	7	,	,	PUNCT
emaj-245	213	8	f.	f.	PROPN
emaj-245	213	9	,	,	PUNCT
emaj-245	213	10	kiyamanesh	kiyamanesh	PROPN
emaj-245	213	11	,	,	PUNCT
emaj-245	213	12	a	a	X
emaj-245	213	13	..	..	PUNCT
emaj-245	213	14	(	(	PUNCT
emaj-245	213	15	2014	2014	NUM
emaj-245	213	16	)	)	PUNCT
emaj-245	213	17	.	.	PUNCT
emaj-245	214	1	the	the	DET
emaj-245	214	2	relationship	relationship	NOUN
emaj-245	214	3	of	of	ADP
emaj-245	214	4	locus	locus	NOUN
emaj-245	214	5	of	of	ADP
emaj-245	214	6	control	control	NOUN
emaj-245	214	7	with	with	ADP
emaj-245	214	8	life	life	NOUN
emaj-245	214	9	satisfaction	satisfaction	NOUN
emaj-245	214	10	of	of	ADP
emaj-245	214	11	five	five	NUM
emaj-245	214	12	district	district	NOUN
emaj-245	214	13	of	of	ADP
emaj-245	214	14	tehran	tehran	PROPN
emaj-245	214	15	’s	’s	PART
emaj-245	214	16	girl	girl	PROPN
emaj-245	214	17	high	high	ADJ
emaj-245	214	18	school	school	NOUN
emaj-245	214	19	students	student	NOUN
emaj-245	214	20	,	,	PUNCT
emaj-245	214	21	bulletin	bulletin	NOUN
emaj-245	214	22	of	of	ADP
emaj-245	214	23	environment	environment	NOUN
emaj-245	214	24	,	,	PUNCT
emaj-245	214	25	pharmacology	pharmacology	NOUN
emaj-245	214	26	and	and	CCONJ
emaj-245	214	27	life	life	NOUN
emaj-245	214	28	sciences	science	NOUN
emaj-245	214	29	bull	bull	NOUN
emaj-245	214	30	.	.	PUNCT
emaj-245	215	1	env	env	PROPN
emaj-245	215	2	.	.	PUNCT
emaj-245	216	1	pharmacol	pharmacol	PROPN
emaj-245	216	2	.	.	PUNCT
emaj-245	217	1	life	life	PROPN
emaj-245	217	2	sci	sci	PROPN
emaj-245	217	3	.	.	PROPN
emaj-245	217	4	,	,	PUNCT
emaj-245	217	5	vol	vol	NOUN
emaj-245	217	6	.	.	PROPN
emaj-245	217	7	3	3	NUM
emaj-245	217	8	(	(	PUNCT
emaj-245	217	9	spl	spl	PROPN
emaj-245	217	10	issue	issue	PROPN
emaj-245	217	11	ii	ii	PROPN
emaj-245	217	12	)	)	PUNCT
emaj-245	217	13	,	,	PUNCT
emaj-245	217	14	216220	216220	NUM
emaj-245	217	15	.	.	PUNCT
emaj-245	218	1	grable	grable	ADJ
emaj-245	218	2	,	,	PUNCT
emaj-245	218	3	j.e	j.e	PROPN
emaj-245	218	4	.	.	PROPN
emaj-245	218	5	,	,	PUNCT
emaj-245	218	6	park	park	PROPN
emaj-245	218	7	,	,	PUNCT
emaj-245	218	8	j.y	j.y	PROPN
emaj-245	218	9	.	.	PROPN
emaj-245	218	10	,	,	PUNCT
emaj-245	218	11	joo	joo	PROPN
emaj-245	218	12	,	,	PUNCT
emaj-245	218	13	s.h	s.h	PROPN
emaj-245	218	14	.	.	PROPN
emaj-245	218	15	2009	2009	NUM
emaj-245	218	16	,	,	PUNCT
emaj-245	218	17	explaining	explain	VERB
emaj-245	218	18	financial	financial	ADJ
emaj-245	218	19	management	management	NOUN
emaj-245	218	20	behaviour	behaviour	NOUN
emaj-245	218	21	for	for	ADP
emaj-245	218	22	koreans	koreans	PROPN
emaj-245	218	23	living	live	VERB
emaj-245	218	24	in	in	ADP
emaj-245	218	25	the	the	DET
emaj-245	218	26	united	united	PROPN
emaj-245	218	27	states	states	PROPN
emaj-245	218	28	.	.	PUNCT
emaj-245	219	1	the	the	DET
emaj-245	219	2	journal	journal	PROPN
emaj-245	219	3	consumer	consumer	NOUN
emaj-245	219	4	affairs	affairs	PROPN
emaj-245	219	5	,	,	PUNCT
emaj-245	219	6	vol	vol	NOUN
emaj-245	219	7	.	.	PROPN
emaj-245	219	8	43	43	NUM
emaj-245	219	9	,	,	PUNCT
emaj-245	219	10	80	80	NUM
emaj-245	219	11	-	-	SYM
emaj-245	219	12	107	107	NUM
emaj-245	219	13	.	.	PUNCT
emaj-245	220	1	hayhoe	hayhoe	PROPN
emaj-245	220	2	,	,	PUNCT
emaj-245	220	3	c.r	c.r	PROPN
emaj-245	220	4	..	..	PROPN
emaj-245	220	5	,	,	PUNCT
emaj-245	220	6	leach	leach	NOUN
emaj-245	220	7	,	,	PUNCT
emaj-245	220	8	l.	l.	PROPN
emaj-245	220	9	,	,	PUNCT
emaj-245	220	10	allen	allen	PROPN
emaj-245	220	11	,	,	PUNCT
emaj-245	220	12	m.w	m.w	PROPN
emaj-245	220	13	.	.	PROPN
emaj-245	220	14	,	,	PUNCT
emaj-245	220	15	edwards	edwards	PROPN
emaj-245	220	16	,	,	PUNCT
emaj-245	220	17	r.	r.	PROPN
emaj-245	220	18	(	(	PUNCT
emaj-245	220	19	2005	2005	NUM
emaj-245	220	20	)	)	PUNCT
emaj-245	220	21	.	.	PUNCT
emaj-245	221	1	credit	credit	NOUN
emaj-245	221	2	cards	card	NOUN
emaj-245	221	3	held	hold	VERB
emaj-245	221	4	by	by	ADP
emaj-245	221	5	college	college	NOUN
emaj-245	221	6	students	student	NOUN
emaj-245	221	7	.	.	PUNCT
emaj-245	222	1	financial	financial	ADJ
emaj-245	222	2	counseling	counseling	NOUN
emaj-245	222	3	and	and	CCONJ
emaj-245	222	4	planning	planning	NOUN
emaj-245	222	5	.	.	PUNCT
emaj-245	223	1	16(1	16(1	X
emaj-245	223	2	)	)	PUNCT
emaj-245	223	3	,	,	PUNCT
emaj-245	223	4	110	110	NUM
emaj-245	223	5	.	.	PUNCT
emaj-245	224	1	hilgert	hilgert	PROPN
emaj-245	224	2	,	,	PUNCT
emaj-245	224	3	m.a	m.a	PROPN
emaj-245	224	4	.	.	PROPN
emaj-245	224	5	,	,	PUNCT
emaj-245	224	6	hogarth	hogarth	NOUN
emaj-245	224	7	,	,	PUNCT
emaj-245	224	8	j.m	j.m	PROPN
emaj-245	224	9	.	.	PROPN
emaj-245	224	10	,	,	PUNCT
emaj-245	224	11	beverly	beverly	PROPN
emaj-245	224	12	,	,	PUNCT
emaj-245	224	13	s.g	s.g	PROPN
emaj-245	224	14	.	.	PROPN
emaj-245	224	15	(	(	PUNCT
emaj-245	224	16	2003	2003	NUM
emaj-245	224	17	)	)	PUNCT
emaj-245	224	18	.	.	PUNCT
emaj-245	225	1	household	household	NOUN
emaj-245	225	2	financial	financial	ADJ
emaj-245	225	3	management	management	NOUN
emaj-245	225	4	:	:	PUNCT
emaj-245	225	5	the	the	DET
emaj-245	225	6	connection	connection	NOUN
emaj-245	225	7	between	between	ADP
emaj-245	225	8	knowledge	knowledge	NOUN
emaj-245	225	9	and	and	CCONJ
emaj-245	225	10	behaviour	behaviour	NOUN
emaj-245	225	11	,	,	PUNCT
emaj-245	225	12	federal	federal	PROPN
emaj-245	225	13	reserve	reserve	PROPN
emaj-245	225	14	bulletin	bulletin	PROPN
emaj-245	225	15	,	,	PUNCT
emaj-245	225	16	vol	vol	NOUN
emaj-245	225	17	.	.	PROPN
emaj-245	225	18	89	89	NUM
emaj-245	225	19	,	,	PUNCT
emaj-245	225	20	309	309	NUM
emaj-245	225	21	-	-	SYM
emaj-245	225	22	322	322	NUM
emaj-245	225	23	.	.	PUNCT
emaj-245	226	1	hobman	hobman	NOUN
emaj-245	226	2	,	,	PUNCT
emaj-245	226	3	t.	t.	PROPN
emaj-245	226	4	(	(	PUNCT
emaj-245	226	5	2010	2010	NUM
emaj-245	226	6	)	)	PUNCT
emaj-245	226	7	.	.	PUNCT
emaj-245	227	1	transforming	transform	VERB
emaj-245	227	2	financial	financial	ADJ
emaj-245	227	3	behaviour	behaviour	NOUN
emaj-245	227	4	:	:	PUNCT
emaj-245	227	5	a	a	DET
emaj-245	227	6	summary	summary	NOUN
emaj-245	227	7	,	,	PUNCT
emaj-245	227	8	consumer	consumer	NOUN
emaj-245	227	9	financial	financial	ADJ
emaj-245	227	10	education	education	NOUN
emaj-245	227	11	body	body	NOUN
emaj-245	227	12	,	,	PUNCT
emaj-245	227	13	consumer	consumer	NOUN
emaj-245	227	14	financial	financial	ADJ
emaj-245	227	15	education	education	NOUN
emaj-245	227	16	body	body	NOUN
emaj-245	227	17	report	report	NOUN
emaj-245	227	18	.	.	PUNCT
emaj-245	228	1	hogarth	hogarth	NOUN
emaj-245	228	2	,	,	PUNCT
emaj-245	228	3	j.m	j.m	PROPN
emaj-245	228	4	.	.	PROPN
emaj-245	228	5	,	,	PUNCT
emaj-245	228	6	hilgert	hilgert	PROPN
emaj-245	228	7	,	,	PUNCT
emaj-245	228	8	m.a	m.a	PROPN
emaj-245	228	9	.	.	PROPN
emaj-245	228	10	,	,	PUNCT
emaj-245	228	11	schuchardt	schuchardt	PROPN
emaj-245	228	12	,	,	PUNCT
emaj-245	228	13	j.	j.	PROPN
emaj-245	228	14	(	(	PUNCT
emaj-245	228	15	2002	2002	NUM
emaj-245	228	16	)	)	PUNCT
emaj-245	228	17	.	.	PUNCT
emaj-245	229	1	money	money	NOUN
emaj-245	229	2	managers	manager	NOUN
emaj-245	229	3	:	:	PUNCT
emaj-245	229	4	the	the	DET
emaj-245	229	5	good	good	NOUN
emaj-245	229	6	,	,	PUNCT
emaj-245	229	7	the	the	DET
emaj-245	229	8	bad	bad	ADJ
emaj-245	229	9	and	and	CCONJ
emaj-245	229	10	the	the	DET
emaj-245	229	11	lost	lost	ADJ
emaj-245	229	12	,	,	PUNCT
emaj-245	229	13	proceedings	proceeding	NOUN
emaj-245	229	14	of	of	ADP
emaj-245	229	15	the	the	DET
emaj-245	229	16	association	association	NOUN
emaj-245	229	17	of	of	ADP
emaj-245	229	18	financial	financial	ADJ
emaj-245	229	19	counselling	counselling	NOUN
emaj-245	229	20	and	and	CCONJ
emaj-245	229	21	planning	planning	NOUN
emaj-245	229	22	education	education	NOUN
emaj-245	229	23	,	,	PUNCT
emaj-245	229	24	12	12	NUM
emaj-245	229	25	-	-	SYM
emaj-245	229	26	23	23	NUM
emaj-245	229	27	.	.	PUNCT
emaj-245	230	1	joo	joo	PROPN
emaj-245	230	2	,	,	PUNCT
emaj-245	230	3	s.	s.	PROPN
emaj-245	230	4	,	,	PUNCT
emaj-245	230	5	grable	grable	PROPN
emaj-245	230	6	,	,	PUNCT
emaj-245	230	7	j.e	j.e	PROPN
emaj-245	230	8	.	.	PROPN
emaj-245	230	9	(	(	PUNCT
emaj-245	230	10	2004	2004	NUM
emaj-245	230	11	)	)	PUNCT
emaj-245	230	12	.	.	PUNCT
emaj-245	231	1	an	an	DET
emaj-245	231	2	exploratory	exploratory	ADJ
emaj-245	231	3	framework	framework	NOUN
emaj-245	231	4	of	of	ADP
emaj-245	231	5	the	the	DET
emaj-245	231	6	determinants	determinant	NOUN
emaj-245	231	7	of	of	ADP
emaj-245	231	8	financial	financial	ADJ
emaj-245	231	9	satisfaction	satisfaction	NOUN
emaj-245	231	10	,	,	PUNCT
emaj-245	231	11	journal	journal	NOUN
emaj-245	231	12	of	of	ADP
emaj-245	231	13	family	family	NOUN
emaj-245	231	14	and	and	CCONJ
emaj-245	231	15	economics	economic	NOUN
emaj-245	231	16	,	,	PUNCT
emaj-245	231	17	vol	vol	NOUN
emaj-245	231	18	.	.	PROPN
emaj-245	231	19	25	25	NUM
emaj-245	231	20	,	,	PUNCT
emaj-245	231	21	2550	2550	NUM
emaj-245	231	22	.	.	PUNCT
emaj-245	232	1	lea	lea	PROPN
emaj-245	232	2	,	,	PUNCT
emaj-245	232	3	s.e.g	s.e.g	NOUN
emaj-245	232	4	.	.	PROPN
emaj-245	232	5	,	,	PUNCT
emaj-245	232	6	webley	webley	PROPN
emaj-245	232	7	,	,	PUNCT
emaj-245	232	8	p.	p.	PROPN
emaj-245	232	9	,	,	PUNCT
emaj-245	232	10	walker	walker	PROPN
emaj-245	232	11	,	,	PUNCT
emaj-245	232	12	c.m	c.m	PROPN
emaj-245	232	13	.	.	PROPN
emaj-245	232	14	(	(	PUNCT
emaj-245	232	15	1995	1995	NUM
emaj-245	232	16	)	)	PUNCT
emaj-245	232	17	.	.	PUNCT
emaj-245	233	1	psychological	psychological	ADJ
emaj-245	233	2	factors	factor	NOUN
emaj-245	233	3	in	in	ADP
emaj-245	233	4	consumer	consumer	NOUN
emaj-245	233	5	debt	debt	NOUN
emaj-245	233	6	:	:	PUNCT
emaj-245	233	7	money	money	NOUN
emaj-245	233	8	management	management	NOUN
emaj-245	233	9	,	,	PUNCT
emaj-245	233	10	economic	economic	ADJ
emaj-245	233	11	socialization	socialization	NOUN
emaj-245	233	12	and	and	CCONJ
emaj-245	233	13	credit	credit	NOUN
emaj-245	233	14	use	use	NOUN
emaj-245	233	15	,	,	PUNCT
emaj-245	233	16	journal	journal	NOUN
emaj-245	233	17	of	of	ADP
emaj-245	233	18	economic	economic	ADJ
emaj-245	233	19	psychology	psychology	NOUN
emaj-245	233	20	,	,	PUNCT
emaj-245	233	21	vol.16	vol.16	PROPN
emaj-245	233	22	,	,	PUNCT
emaj-245	233	23	681	681	NUM
emaj-245	233	24	-	-	SYM
emaj-245	233	25	701	701	NUM
emaj-245	233	26	.	.	PUNCT
emaj-245	234	1	lunt	lunt	PROPN
emaj-245	234	2	,	,	PUNCT
emaj-245	234	3	p.k	p.k	PROPN
emaj-245	234	4	.	.	PROPN
emaj-245	234	5	,	,	PUNCT
emaj-245	234	6	livingstone	livingstone	PROPN
emaj-245	234	7	,	,	PUNCT
emaj-245	234	8	s.m	s.m	PROPN
emaj-245	234	9	.	.	PROPN
emaj-245	234	10	(	(	PUNCT
emaj-245	234	11	1991	1991	NUM
emaj-245	234	12	)	)	PUNCT
emaj-245	234	13	.	.	PUNCT
emaj-245	235	1	psychological	psychological	ADJ
emaj-245	235	2	,	,	PUNCT
emaj-245	235	3	social	social	ADJ
emaj-245	235	4	and	and	CCONJ
emaj-245	235	5	economic	economic	ADJ
emaj-245	235	6	determinants	determinant	NOUN
emaj-245	235	7	of	of	ADP
emaj-245	235	8	savings	saving	NOUN
emaj-245	235	9	:	:	PUNCT
emaj-245	235	10	comparing	compare	VERB
emaj-245	235	11	recurrent	recurrent	NOUN
emaj-245	235	12	and	and	CCONJ
emaj-245	235	13	total	total	ADJ
emaj-245	235	14	savings	saving	NOUN
emaj-245	235	15	,	,	PUNCT
emaj-245	235	16	journal	journal	NOUN
emaj-245	235	17	of	of	ADP
emaj-245	235	18	economic	economic	ADJ
emaj-245	235	19	psychology	psychology	NOUN
emaj-245	235	20	.	.	PUNCT
emaj-245	236	1	,	,	PUNCT
emaj-245	236	2	vol	vol	NOUN
emaj-245	236	3	.	.	PROPN
emaj-245	236	4	12	12	NUM
emaj-245	236	5	,	,	PUNCT
emaj-245	236	6	621	621	NUM
emaj-245	236	7	-	-	SYM
emaj-245	236	8	641	641	NUM
emaj-245	236	9	.	.	PUNCT
emaj-245	237	1	lusardi	lusardi	PROPN
emaj-245	237	2	,	,	PUNCT
emaj-245	237	3	a.	a.	NOUN
emaj-245	237	4	(	(	PUNCT
emaj-245	237	5	2008	2008	NUM
emaj-245	237	6	)	)	PUNCT
emaj-245	237	7	.	.	PUNCT
emaj-245	238	1	household	household	NOUN
emaj-245	238	2	saving	saving	NOUN
emaj-245	238	3	behaviour	behaviour	NOUN
emaj-245	238	4	:	:	PUNCT
emaj-245	238	5	the	the	DET
emaj-245	238	6	role	role	NOUN
emaj-245	238	7	of	of	ADP
emaj-245	238	8	financial	financial	ADJ
emaj-245	238	9	literacy	literacy	NOUN
emaj-245	238	10	,	,	PUNCT
emaj-245	238	11	information	information	NOUN
emaj-245	238	12	and	and	CCONJ
emaj-245	238	13	financial	financial	ADJ
emaj-245	238	14	education	education	NOUN
emaj-245	238	15	programs	program	NOUN
emaj-245	238	16	.	.	PUNCT
emaj-245	239	1	nber	nber	PROPN
emaj-245	239	2	working	working	PROPN
emaj-245	239	3	paper	paper	NOUN
emaj-245	239	4	,	,	PUNCT
emaj-245	239	5	13824	13824	NUM
emaj-245	239	6	.	.	PUNCT
emaj-245	240	1	nyhus	nyhus	PROPN
emaj-245	240	2	,	,	PUNCT
emaj-245	240	3	e.k	e.k	PROPN
emaj-245	240	4	.	.	PROPN
emaj-245	240	5	,	,	PUNCT
emaj-245	240	6	webley	webley	PROPN
emaj-245	240	7	,	,	PUNCT
emaj-245	240	8	p.	p.	PROPN
emaj-245	240	9	(	(	PUNCT
emaj-245	240	10	2001	2001	NUM
emaj-245	240	11	)	)	PUNCT
emaj-245	240	12	.	.	PUNCT
emaj-245	241	1	the	the	DET
emaj-245	241	2	role	role	NOUN
emaj-245	241	3	of	of	ADP
emaj-245	241	4	personality	personality	NOUN
emaj-245	241	5	in	in	ADP
emaj-245	241	6	household	household	NOUN
emaj-245	241	7	saving	saving	NOUN
emaj-245	241	8	and	and	CCONJ
emaj-245	241	9	borrowing	borrowing	NOUN
emaj-245	241	10	behaviour	behaviour	NOUN
emaj-245	241	11	.	.	PUNCT
emaj-245	242	1	european	european	PROPN
emaj-245	242	2	journal	journal	PROPN
emaj-245	242	3	of	of	ADP
emaj-245	242	4	personality	personality	NOUN
emaj-245	242	5	,	,	PUNCT
emaj-245	242	6	special	special	ADJ
emaj-245	242	7	issue	issue	NOUN
emaj-245	242	8	:	:	PUNCT
emaj-245	242	9	personality	personality	NOUN
emaj-245	242	10	and	and	CCONJ
emaj-245	242	11	economic	economic	ADJ
emaj-245	242	12	behaviour	behaviour	NOUN
emaj-245	242	13	,	,	PUNCT
emaj-245	242	14	vol	vol	NOUN
emaj-245	242	15	.	.	PROPN
emaj-245	242	16	15	15	NUM
emaj-245	242	17	,	,	PUNCT
emaj-245	242	18	85	85	NUM
emaj-245	242	19	-	-	SYM
emaj-245	242	20	103	103	NUM
emaj-245	242	21	.	.	PUNCT
emaj-245	243	1	parrotta	parrotta	PROPN
emaj-245	243	2	,	,	PUNCT
emaj-245	243	3	j.l	j.l	PROPN
emaj-245	243	4	.	.	PROPN
emaj-245	243	5	,	,	PUNCT
emaj-245	243	6	johnson	johnson	PROPN
emaj-245	243	7	,	,	PUNCT
emaj-245	243	8	p.j	p.j	PROPN
emaj-245	243	9	.	.	PROPN
emaj-245	243	10	(	(	PUNCT
emaj-245	243	11	1998	1998	NUM
emaj-245	243	12	)	)	PUNCT
emaj-245	243	13	.	.	PUNCT
emaj-245	244	1	the	the	DET
emaj-245	244	2	impact	impact	NOUN
emaj-245	244	3	of	of	ADP
emaj-245	244	4	financial	financial	ADJ
emaj-245	244	5	attitudes	attitude	NOUN
emaj-245	244	6	and	and	CCONJ
emaj-245	244	7	knowledge	knowledge	NOUN
emaj-245	244	8	on	on	ADP
emaj-245	244	9	financial	financial	ADJ
emaj-245	244	10	management	management	NOUN
emaj-245	244	11	and	and	CCONJ
emaj-245	244	12	satisfaction	satisfaction	NOUN
emaj-245	244	13	of	of	ADP
emaj-245	244	14	recently	recently	ADV
emaj-245	244	15	married	married	ADJ
emaj-245	244	16	individuals	individual	NOUN
emaj-245	244	17	,	,	PUNCT
emaj-245	244	18	financial	financial	ADJ
emaj-245	244	19	counselling	counselling	NOUN
emaj-245	244	20	and	and	CCONJ
emaj-245	244	21	planning	planning	NOUN
emaj-245	244	22	,	,	PUNCT
emaj-245	244	23	vol	vol	NOUN
emaj-245	244	24	.	.	PROPN
emaj-245	244	25	9	9	NUM
emaj-245	244	26	,	,	PUNCT
emaj-245	244	27	59	59	NUM
emaj-245	244	28	-	-	SYM
emaj-245	244	29	75	75	NUM
emaj-245	244	30	.	.	PUNCT
emaj-245	245	1	perry	perry	PROPN
emaj-245	245	2	,	,	PUNCT
emaj-245	245	3	v.g	v.g	PROPN
emaj-245	245	4	.	.	PROPN
emaj-245	245	5	,	,	PUNCT
emaj-245	245	6	morris	morris	PROPN
emaj-245	245	7	,	,	PUNCT
emaj-245	245	8	m.d	m.d	PROPN
emaj-245	245	9	.	.	PROPN
emaj-245	245	10	(	(	PUNCT
emaj-245	245	11	2005	2005	NUM
emaj-245	245	12	)	)	PUNCT
emaj-245	245	13	.	.	PUNCT
emaj-245	246	1	who	who	PRON
emaj-245	246	2	is	be	AUX
emaj-245	246	3	in	in	ADP
emaj-245	246	4	control	control	NOUN
emaj-245	246	5	?	?	PUNCT
emaj-245	247	1	the	the	DET
emaj-245	247	2	role	role	NOUN
emaj-245	247	3	of	of	ADP
emaj-245	247	4	self	self	NOUN
emaj-245	247	5	-	-	PUNCT
emaj-245	247	6	perception	perception	NOUN
emaj-245	247	7	,	,	PUNCT
emaj-245	247	8	knowledge	knowledge	NOUN
emaj-245	247	9	and	and	CCONJ
emaj-245	247	10	income	income	NOUN
emaj-245	247	11	in	in	ADP
emaj-245	247	12	explaining	explain	VERB
emaj-245	247	13	consumer	consumer	NOUN
emaj-245	247	14	financial	financial	ADJ
emaj-245	247	15	behaviour	behaviour	NOUN
emaj-245	247	16	.	.	PUNCT
emaj-245	248	1	journal	journal	PROPN
emaj-245	248	2	of	of	ADP
emaj-245	248	3	consumer	consumer	NOUN
emaj-245	248	4	affairs	affair	NOUN
emaj-245	248	5	,	,	PUNCT
emaj-245	248	6	39(2	39(2	NUM
emaj-245	248	7	)	)	PUNCT
emaj-245	248	8	,	,	PUNCT
emaj-245	248	9	299	299	NUM
emaj-245	248	10	-	-	SYM
emaj-245	248	11	313	313	NUM
emaj-245	248	12	.	.	PUNCT
emaj-245	249	1	qatar	qatar	PROPN
emaj-245	249	2	economic	economic	ADJ
emaj-245	249	3	outlook	outlook	NOUN
emaj-245	249	4	.	.	PUNCT
emaj-245	250	1	(	(	PUNCT
emaj-245	250	2	2015	2015	NUM
emaj-245	250	3	)	)	PUNCT
emaj-245	250	4	.	.	PUNCT
emaj-245	251	1	qatar	qatar	PROPN
emaj-245	251	2	outlook	outlook	NOUN
emaj-245	251	3	at	at	ADP
emaj-245	251	4	a	a	DET
emaj-245	251	5	glance	glance	NOUN
emaj-245	251	6	,	,	PUNCT
emaj-245	251	7	retrieved	retrieve	VERB
emaj-245	251	8	on	on	ADP
emaj-245	251	9	22nd	22nd	PROPN
emaj-245	251	10	october	october	PROPN
emaj-245	251	11	,	,	PUNCT
emaj-245	251	12	2015	2015	NUM
emaj-245	251	13	from	from	ADP
emaj-245	251	14	:	:	PUNCT
emaj-245	251	15	http://www.gsdp.gov.qa/portal/page/portal/gsd	http://www.gsdp.gov.qa/portal/page/portal/gsd	ADJ
emaj-245	251	16	p_en	p_en	PROPN
emaj-245	251	17	/	/	SYM
emaj-245	251	18	knowledge_center	knowledge_center	PROPN
emaj-245	251	19	/	/	SYM
emaj-245	251	20	tab2	tab2	NOUN
emaj-245	251	21	/	/	SYM
emaj-245	251	22	qeo2015_17.pd	qeo2015_17.pd	PROPN
emaj-245	251	23	f.	f.	PROPN
emaj-245	251	24	qatar	qatar	PROPN
emaj-245	251	25	economy	economy	PROPN
emaj-245	251	26	watch	watch	PROPN
emaj-245	251	27	.	.	PUNCT
emaj-245	252	1	(	(	PUNCT
emaj-245	252	2	2015	2015	NUM
emaj-245	252	3	)	)	PUNCT
emaj-245	252	4	.	.	PUNCT
emaj-245	253	1	economics	economic	NOUN
emaj-245	253	2	and	and	CCONJ
emaj-245	253	3	policy	policy	NOUN
emaj-245	253	4	,	,	PUNCT
emaj-245	253	5	retrieved	retrieve	VERB
emaj-245	253	6	on	on	ADP
emaj-245	253	7	1st	1st	ADJ
emaj-245	253	8	december	december	PROPN
emaj-245	253	9	,	,	PUNCT
emaj-245	253	10	2015	2015	NUM
emaj-245	253	11	from	from	ADP
emaj-245	253	12	:	:	PUNCT
emaj-245	253	13	http://www.pwc.co.uk/services/economicspolicy/insights/qatar-economy-watchjanuary2015.html	http://www.pwc.co.uk/services/economicspolicy/insights/qatar-economy-watchjanuary2015.html	NOUN
emaj-245	253	14	.	.	PUNCT
emaj-245	254	1	robb	robb	NOUN
emaj-245	254	2	,	,	PUNCT
emaj-245	254	3	c.a	c.a	PROPN
emaj-245	254	4	.	.	PROPN
emaj-245	254	5	,	,	PUNCT
emaj-245	254	6	woodyard	woodyard	PROPN
emaj-245	254	7	,	,	PUNCT
emaj-245	254	8	a.s	a.s	PROPN
emaj-245	254	9	.	.	PROPN
emaj-245	254	10	(	(	PUNCT
emaj-245	254	11	2011	2011	NUM
emaj-245	254	12	)	)	PUNCT
emaj-245	254	13	.	.	PUNCT
emaj-245	255	1	financial	financial	ADJ
emaj-245	255	2	knowledge	knowledge	NOUN
emaj-245	255	3	and	and	CCONJ
emaj-245	255	4	best	good	ADJ
emaj-245	255	5	practice	practice	NOUN
emaj-245	255	6	behaviour	behaviour	NOUN
emaj-245	255	7	,	,	PUNCT
emaj-245	255	8	proceedings	proceeding	NOUN
emaj-245	255	9	of	of	ADP
emaj-245	255	10	association	association	NOUN
emaj-245	255	11	for	for	ADP
emaj-245	255	12	financial	financial	ADJ
emaj-245	255	13	counselling	counselling	NOUN
emaj-245	255	14	and	and	CCONJ
emaj-245	255	15	planning	planning	NOUN
emaj-245	255	16	education	education	NOUN
emaj-245	255	17	.	.	PUNCT
emaj-245	256	1	the	the	DET
emaj-245	256	2	economist	economist	NOUN
emaj-245	256	3	.	.	PUNCT
emaj-245	257	1	(	(	PUNCT
emaj-245	257	2	2015	2015	NUM
emaj-245	257	3	)	)	PUNCT
emaj-245	257	4	.	.	PUNCT
emaj-245	258	1	business	business	NOUN
emaj-245	258	2	environment	environment	NOUN
emaj-245	258	3	in	in	ADP
emaj-245	258	4	qatar	qatar	NOUN
emaj-245	258	5	,	,	PUNCT
emaj-245	258	6	retrieved	retrieve	VERB
emaj-245	258	7	on	on	ADP
emaj-245	258	8	5th	5th	ADJ
emaj-245	258	9	october	october	PROPN
emaj-245	258	10	,	,	PUNCT
emaj-245	258	11	2015	2015	NUM
emaj-245	258	12	from	from	ADP
emaj-245	258	13	:	:	PUNCT
emaj-245	258	14	http://country.eiu.com/article.aspx	http://country.eiu.com/article.aspx	X
emaj-245	258	15	.	.	PUNCT
emaj-245	259	1	wang	wang	PROPN
emaj-245	259	2	,	,	PUNCT
emaj-245	259	3	l.	l.	PROPN
emaj-245	259	4	,	,	PUNCT
emaj-245	259	5	w.	w.	PROPN
emaj-245	259	6	lu	lu	PROPN
emaj-245	259	7	,	,	PUNCT
emaj-245	259	8	malhotra	malhotra	PROPN
emaj-245	259	9	,	,	PUNCT
emaj-245	259	10	n.k	n.k	PROPN
emaj-245	259	11	.	.	PROPN
emaj-245	259	12	(	(	PUNCT
emaj-245	259	13	2011	2011	NUM
emaj-245	259	14	)	)	PUNCT
emaj-245	259	15	.	.	PUNCT
emaj-245	260	1	demographics	demographic	NOUN
emaj-245	260	2	,	,	PUNCT
emaj-245	260	3	attitude	attitude	NOUN
emaj-245	260	4	,	,	PUNCT
emaj-245	260	5	personality	personality	NOUN
emaj-245	260	6	and	and	CCONJ
emaj-245	260	7	credit	credit	NOUN
emaj-245	260	8	card	card	NOUN
emaj-245	260	9	features	feature	NOUN
emaj-245	260	10	correlate	correlate	VERB
emaj-245	260	11	with	with	ADP
emaj-245	260	12	credit	credit	NOUN
emaj-245	260	13	card	card	NOUN
emaj-245	260	14	debt	debt	NOUN
emaj-245	260	15	:	:	PUNCT
emaj-245	260	16	a	a	DET
emaj-245	260	17	view	view	NOUN
emaj-245	260	18	from	from	ADP
emaj-245	260	19	china	china	PROPN
emaj-245	260	20	.	.	PUNCT
emaj-245	261	1	journal	journal	PROPN
emaj-245	261	2	of	of	ADP
emaj-245	261	3	economic	economic	ADJ
emaj-245	261	4	psychology	psychology	NOUN
emaj-245	261	5	,	,	PUNCT
emaj-245	261	6	32(1	32(1	NUM
emaj-245	261	7	)	)	PUNCT
emaj-245	261	8	,	,	PUNCT
emaj-245	261	9	179	179	NUM
emaj-245	261	10	-	-	SYM
emaj-245	261	11	193	193	NUM
emaj-245	261	12	.	.	PUNCT
emaj-245	262	1	xiao	xiao	PROPN
emaj-245	262	2	,	,	PUNCT
emaj-245	262	3	j.j	j.j	PROPN
emaj-245	262	4	.	.	PROPN
emaj-245	262	5	,	,	PUNCT
emaj-245	262	6	sorhaindo	sorhaindo	PROPN
emaj-245	262	7	,	,	PUNCT
emaj-245	262	8	b.	b.	PROPN
emaj-245	262	9	,	,	PUNCT
emaj-245	262	10	garman	garman	PROPN
emaj-245	262	11	,	,	PUNCT
emaj-245	262	12	e.t	e.t	PROPN
emaj-245	262	13	.	.	PROPN
emaj-245	262	14	(	(	PUNCT
emaj-245	262	15	2006	2006	NUM
emaj-245	262	16	)	)	PUNCT
emaj-245	262	17	.	.	PUNCT
emaj-245	263	1	financial	financial	ADJ
emaj-245	263	2	behaviours	behaviour	NOUN
emaj-245	263	3	of	of	ADP
emaj-245	263	4	consumers	consumer	NOUN
emaj-245	263	5	in	in	ADP
emaj-245	263	6	credit	credit	NOUN
emaj-245	263	7	counseling	counseling	NOUN
emaj-245	263	8	.	.	PUNCT
emaj-245	264	1	international	international	ADJ
emaj-245	264	2	j.	j.	PROPN
emaj-245	264	3	consumer	consumer	PROPN
emaj-245	264	4	studies	study	NOUN
emaj-245	264	5	.	.	PUNCT
emaj-245	265	1	30(2	30(2	NUM
emaj-245	265	2	)	)	PUNCT
emaj-245	265	3	,	,	PUNCT
emaj-245	265	4	108121	108121	NUM
emaj-245	265	5	.	.	PUNCT
emaj-245	266	1	zakaria	zakaria	PROPN
emaj-245	266	2	,	,	PUNCT
emaj-245	266	3	r.h	r.h	PROPN
emaj-245	266	4	.	.	PROPN
emaj-245	266	5	,	,	PUNCT
emaj-245	266	6	jaafar	jaafar	ADJ
emaj-245	266	7	,	,	PUNCT
emaj-245	266	8	n.i.m	n.i.m	PROPN
emaj-245	266	9	.	.	PROPN
emaj-245	266	10	,	,	PUNCT
emaj-245	266	11	matican	matican	PROPN
emaj-245	266	12	,	,	PUNCT
emaj-245	266	13	s.	s.	PROPN
emaj-245	266	14	(	(	PUNCT
emaj-245	266	15	2012	2012	NUM
emaj-245	266	16	)	)	PUNCT
emaj-245	266	17	.	.	PUNCT
emaj-245	267	1	financial	financial	ADJ
emaj-245	267	2	behaviour	behaviour	NOUN
emaj-245	267	3	and	and	CCONJ
emaj-245	267	4	financial	financial	ADJ
emaj-245	267	5	position	position	NOUN
emaj-245	267	6	:	:	PUNCT
emaj-245	267	7	a	a	DET
emaj-245	267	8	structural	structural	ADJ
emaj-245	267	9	equation	equation	NOUN
emaj-245	267	10	modelling	modelling	NOUN
emaj-245	267	11	approach	approach	NOUN
emaj-245	267	12	,	,	PUNCT
emaj-245	267	13	middle	middle	ADJ
emaj-245	267	14	-	-	PUNCT
emaj-245	267	15	east	east	NOUN
emaj-245	267	16	journal	journal	NOUN
emaj-245	267	17	of	of	ADP
emaj-245	267	18	scientific	scientific	ADJ
emaj-245	267	19	research	research	NOUN
emaj-245	267	20	,	,	PUNCT
emaj-245	267	21	12(10	12(10	NUM
emaj-245	267	22	)	)	PUNCT
emaj-245	267	23	,	,	PUNCT
emaj-245	267	24	1396	1396	NUM
emaj-245	267	25	-	-	SYM
emaj-245	267	26	1402	1402	NUM
emaj-245	267	27	.	.	PUNCT