id	sid	tid	token	lemma	pos
emaj-71	1	1	the	the	DET
emaj-71	1	2	role	role	NOUN
emaj-71	1	3	of	of	ADP
emaj-71	1	4	cross	cross	NOUN
emaj-71	1	5	selling	selling	NOUN
emaj-71	1	6	in	in	ADP
emaj-71	1	7	sme	sme	PROPN
emaj-71	1	8	banking	banking	NOUN
emaj-71	1	9	:	:	PUNCT
emaj-71	1	10	an	an	DET
emaj-71	1	11	analysis	analysis	NOUN
emaj-71	1	12	from	from	ADP
emaj-71	1	13	turkey	turkey	PROPN
emaj-71	1	14	hande	hande	PROPN
emaj-71	1	15	karadag	karadag	PROPN
emaj-71	1	16	wharton	wharton	PROPN
emaj-71	1	17	school	school	PROPN
emaj-71	1	18	,	,	PUNCT
emaj-71	1	19	university	university	NOUN
emaj-71	1	20	of	of	ADP
emaj-71	1	21	pennsylvania	pennsylvania	PROPN
emaj-71	1	22	,	,	PUNCT
emaj-71	1	23	sol	sol	PROPN
emaj-71	1	24	c.	c.	PROPN
emaj-71	1	25	snider	snider	PROPN
emaj-71	1	26	entrepreneurial	entrepreneurial	PROPN
emaj-71	1	27	research	research	NOUN
emaj-71	1	28	center	center	NOUN
emaj-71	1	29	,	,	PUNCT
emaj-71	1	30	|	|	ADV
emaj-71	1	31	email	email	NOUN
emaj-71	1	32	:	:	PUNCT
emaj-71	1	33	hkaradag@wharton.upenn.edu	hkaradag@wharton.upenn.edu	PROPN
emaj-71	1	34	vedat	vedat	PROPN
emaj-71	1	35	akman	akman	PROPN
emaj-71	1	36	beykent	beykent	PROPN
emaj-71	1	37	university	university	PROPN
emaj-71	1	38	,	,	PUNCT
emaj-71	1	39	istanbul	istanbul	PROPN
emaj-71	1	40	|	|	ADV
emaj-71	1	41	email	email	NOUN
emaj-71	1	42	:	:	PUNCT
emaj-71	1	43	akmanvedat@yahoo.com	akmanvedat@yahoo.com	X
emaj-71	1	44	abstract	abstract	ADJ
emaj-71	1	45	non	non	ADJ
emaj-71	1	46	-	-	ADJ
emaj-71	1	47	lending	lending	ADJ
emaj-71	1	48	activities	activity	NOUN
emaj-71	1	49	in	in	ADP
emaj-71	1	50	sme	sme	NOUN
emaj-71	1	51	financing	financing	NOUN
emaj-71	1	52	is	be	AUX
emaj-71	1	53	a	a	DET
emaj-71	1	54	phenomenon	phenomenon	NOUN
emaj-71	1	55	whose	whose	DET
emaj-71	1	56	significance	significance	NOUN
emaj-71	1	57	has	have	AUX
emaj-71	1	58	recently	recently	ADV
emaj-71	1	59	been	be	AUX
emaj-71	1	60	recognized	recognize	VERB
emaj-71	1	61	.	.	PUNCT
emaj-71	2	1	provision	provision	NOUN
emaj-71	2	2	of	of	ADP
emaj-71	2	3	different	different	ADJ
emaj-71	2	4	products	product	NOUN
emaj-71	2	5	and	and	CCONJ
emaj-71	2	6	services	service	NOUN
emaj-71	2	7	to	to	ADP
emaj-71	2	8	companies	company	NOUN
emaj-71	2	9	is	be	AUX
emaj-71	2	10	becoming	become	VERB
emaj-71	2	11	an	an	DET
emaj-71	2	12	important	important	ADJ
emaj-71	2	13	profit	profit	NOUN
emaj-71	2	14	center	center	NOUN
emaj-71	2	15	for	for	ADP
emaj-71	2	16	banks	bank	NOUN
emaj-71	2	17	serving	serve	VERB
emaj-71	2	18	smes	sme	NOUN
emaj-71	2	19	and	and	CCONJ
emaj-71	2	20	the	the	DET
emaj-71	2	21	supply	supply	NOUN
emaj-71	2	22	side	side	NOUN
emaj-71	2	23	of	of	ADP
emaj-71	2	24	sme	sme	NOUN
emaj-71	2	25	financing	financing	NOUN
emaj-71	2	26	has	have	AUX
emaj-71	2	27	been	be	AUX
emaj-71	2	28	experiencing	experience	VERB
emaj-71	2	29	a	a	DET
emaj-71	2	30	shift	shift	NOUN
emaj-71	2	31	towards	towards	ADP
emaj-71	2	32	fee	fee	NOUN
emaj-71	2	33	-	-	PUNCT
emaj-71	2	34	based	base	VERB
emaj-71	2	35	products	product	NOUN
emaj-71	2	36	and	and	CCONJ
emaj-71	2	37	services	service	NOUN
emaj-71	2	38	,	,	PUNCT
emaj-71	2	39	mainly	mainly	ADV
emaj-71	2	40	due	due	ADP
emaj-71	2	41	to	to	ADP
emaj-71	2	42	the	the	DET
emaj-71	2	43	risks	risk	NOUN
emaj-71	2	44	and	and	CCONJ
emaj-71	2	45	challenges	challenge	NOUN
emaj-71	2	46	associated	associate	VERB
emaj-71	2	47	with	with	ADP
emaj-71	2	48	sme	sme	NOUN
emaj-71	2	49	lending	lending	NOUN
emaj-71	2	50	.	.	PUNCT
emaj-71	3	1	despite	despite	SCONJ
emaj-71	3	2	these	these	DET
emaj-71	3	3	important	important	ADJ
emaj-71	3	4	developments	development	NOUN
emaj-71	3	5	in	in	ADP
emaj-71	3	6	the	the	DET
emaj-71	3	7	industry	industry	NOUN
emaj-71	3	8	,	,	PUNCT
emaj-71	3	9	there	there	PRON
emaj-71	3	10	are	be	VERB
emaj-71	3	11	a	a	DET
emaj-71	3	12	limited	limited	ADJ
emaj-71	3	13	number	number	NOUN
emaj-71	3	14	of	of	ADP
emaj-71	3	15	studies	study	NOUN
emaj-71	3	16	that	that	PRON
emaj-71	3	17	focus	focus	VERB
emaj-71	3	18	on	on	ADP
emaj-71	3	19	the	the	DET
emaj-71	3	20	bank	bank	NOUN
emaj-71	3	21	activities	activity	NOUN
emaj-71	3	22	related	relate	VERB
emaj-71	3	23	with	with	ADP
emaj-71	3	24	cross	cross	NOUN
emaj-71	3	25	-	-	ADJ
emaj-71	3	26	selling	selling	NOUN
emaj-71	3	27	to	to	ADP
emaj-71	3	28	smes	sme	NOUN
emaj-71	3	29	.	.	PUNCT
emaj-71	4	1	this	this	DET
emaj-71	4	2	paper	paper	NOUN
emaj-71	4	3	aims	aim	VERB
emaj-71	4	4	to	to	PART
emaj-71	4	5	address	address	VERB
emaj-71	4	6	this	this	DET
emaj-71	4	7	gap	gap	NOUN
emaj-71	4	8	in	in	ADP
emaj-71	4	9	the	the	DET
emaj-71	4	10	literature	literature	NOUN
emaj-71	4	11	,	,	PUNCT
emaj-71	4	12	by	by	ADP
emaj-71	4	13	investigating	investigate	VERB
emaj-71	4	14	the	the	DET
emaj-71	4	15	role	role	NOUN
emaj-71	4	16	of	of	ADP
emaj-71	4	17	cross	cross	NOUN
emaj-71	4	18	selling	selling	NOUN
emaj-71	4	19	in	in	ADP
emaj-71	4	20	sme	sme	NOUN
emaj-71	4	21	banking	banking	NOUN
emaj-71	4	22	by	by	ADP
emaj-71	4	23	analyzing	analyze	VERB
emaj-71	4	24	the	the	DET
emaj-71	4	25	major	major	ADJ
emaj-71	4	26	business	business	NOUN
emaj-71	4	27	models	model	NOUN
emaj-71	4	28	and	and	CCONJ
emaj-71	4	29	strategies	strategy	NOUN
emaj-71	4	30	both	both	CCONJ
emaj-71	4	31	at	at	ADP
emaj-71	4	32	international	international	ADJ
emaj-71	4	33	and	and	CCONJ
emaj-71	4	34	local	local	ADJ
emaj-71	4	35	contexts	contexts	NOUN
emaj-71	4	36	.	.	PUNCT
emaj-71	5	1	the	the	DET
emaj-71	5	2	study	study	NOUN
emaj-71	5	3	targets	target	NOUN
emaj-71	5	4	to	to	PART
emaj-71	5	5	make	make	VERB
emaj-71	5	6	important	important	ADJ
emaj-71	5	7	contributions	contribution	NOUN
emaj-71	5	8	to	to	ADP
emaj-71	5	9	sme	sme	NOUN
emaj-71	5	10	finance	finance	NOUN
emaj-71	5	11	and	and	CCONJ
emaj-71	5	12	in	in	ADP
emaj-71	5	13	particular	particular	ADJ
emaj-71	5	14	sme	sme	NOUN
emaj-71	5	15	banking	banking	NOUN
emaj-71	5	16	literature	literature	NOUN
emaj-71	5	17	,	,	PUNCT
emaj-71	5	18	as	as	SCONJ
emaj-71	5	19	it	it	PRON
emaj-71	5	20	highlights	highlight	VERB
emaj-71	5	21	the	the	DET
emaj-71	5	22	changing	change	VERB
emaj-71	5	23	market	market	NOUN
emaj-71	5	24	structure	structure	NOUN
emaj-71	5	25	in	in	ADP
emaj-71	5	26	the	the	DET
emaj-71	5	27	supply	supply	NOUN
emaj-71	5	28	-	-	PUNCT
emaj-71	5	29	side	side	NOUN
emaj-71	5	30	of	of	ADP
emaj-71	5	31	sme	sme	NOUN
emaj-71	5	32	banking	banking	NOUN
emaj-71	5	33	and	and	CCONJ
emaj-71	5	34	pinpoints	pinpoint	NOUN
emaj-71	5	35	how	how	SCONJ
emaj-71	5	36	best	good	ADJ
emaj-71	5	37	practices	practice	NOUN
emaj-71	5	38	in	in	ADP
emaj-71	5	39	international	international	ADJ
emaj-71	5	40	banking	banking	NOUN
emaj-71	5	41	system	system	NOUN
emaj-71	5	42	can	can	AUX
emaj-71	5	43	form	form	VERB
emaj-71	5	44	examples	example	NOUN
emaj-71	5	45	for	for	ADP
emaj-71	5	46	banks	bank	NOUN
emaj-71	5	47	that	that	PRON
emaj-71	5	48	prioritize	prioritize	VERB
emaj-71	5	49	growth	growth	NOUN
emaj-71	5	50	in	in	ADP
emaj-71	5	51	sme	sme	PROPN
emaj-71	5	52	segment	segment	NOUN
emaj-71	5	53	.	.	PUNCT
emaj-71	6	1	new	new	ADJ
emaj-71	6	2	articles	article	NOUN
emaj-71	6	3	in	in	ADP
emaj-71	6	4	this	this	DET
emaj-71	6	5	journal	journal	NOUN
emaj-71	6	6	are	be	AUX
emaj-71	6	7	licensed	license	VERB
emaj-71	6	8	under	under	ADP
emaj-71	6	9	a	a	DET
emaj-71	6	10	creative	creative	ADJ
emaj-71	6	11	commons	common	NOUN
emaj-71	6	12	attribution	attribution	NOUN
emaj-71	6	13	3.0	3.0	NUM
emaj-71	6	14	united	unite	VERB
emaj-71	6	15	states	states	PROPN
emaj-71	6	16	license	license	NOUN
emaj-71	6	17	.	.	PUNCT
emaj-71	7	1	this	this	DET
emaj-71	7	2	journal	journal	NOUN
emaj-71	7	3	is	be	AUX
emaj-71	7	4	published	publish	VERB
emaj-71	7	5	by	by	ADP
emaj-71	7	6	the	the	DET
emaj-71	7	7	university	university	NOUN
emaj-71	7	8	library	library	NOUN
emaj-71	7	9	system	system	NOUN
emaj-71	7	10	of	of	ADP
emaj-71	7	11	the	the	DET
emaj-71	7	12	university	university	PROPN
emaj-71	7	13	of	of	ADP
emaj-71	7	14	pittsburgh	pittsburgh	PROPN
emaj-71	7	15	as	as	ADP
emaj-71	7	16	part	part	NOUN
emaj-71	7	17	of	of	ADP
emaj-71	7	18	its	its	PRON
emaj-71	7	19	d	d	NOUN
emaj-71	7	20	-	-	PUNCT
emaj-71	7	21	scribe	scribe	VERB
emaj-71	7	22	digital	digital	ADJ
emaj-71	7	23	publishing	publishing	NOUN
emaj-71	7	24	program	program	NOUN
emaj-71	7	25	,	,	PUNCT
emaj-71	7	26	and	and	CCONJ
emaj-71	7	27	is	be	AUX
emaj-71	7	28	cosponsored	cosponsor	VERB
emaj-71	7	29	by	by	ADP
emaj-71	7	30	the	the	DET
emaj-71	7	31	university	university	PROPN
emaj-71	7	32	of	of	ADP
emaj-71	7	33	pittsburgh	pittsburgh	PROPN
emaj-71	7	34	press	press	NOUN
emaj-71	7	35	.	.	PUNCT
emaj-71	8	1	volume	volume	NOUN
emaj-71	8	2	5	5	NUM
emaj-71	8	3	no	no	DET
emaj-71	8	4	1	1	NUM
emaj-71	8	5	(	(	PUNCT
emaj-71	8	6	2015	2015	NUM
emaj-71	8	7	)	)	PUNCT
emaj-71	8	8	|	|	ADV
emaj-71	8	9	issn	issn	VERB
emaj-71	8	10	2158	2158	NUM
emaj-71	8	11	-	-	SYM
emaj-71	8	12	8708	8708	NUM
emaj-71	8	13	(	(	PUNCT
emaj-71	8	14	online	online	NOUN
emaj-71	8	15	)	)	PUNCT
emaj-71	8	16	|	|	ADV
emaj-71	8	17	doi	doi	X
emaj-71	8	18	10.5195	10.5195	NUM
emaj-71	8	19	/	/	SYM
emaj-71	8	20	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	8	21	|	|	ADV
emaj-71	8	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	9	1	|	|	ADV
emaj-71	9	2	mailto:hkaradag@wharton.upenn.edu	mailto:hkaradag@wharton.upenn.edu	PROPN
emaj-71	9	3	mailto:akmanvedat@yahoo.co#m	mailto:akmanvedat@yahoo.co#m	PROPN
emaj-71	9	4	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-71	9	5	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-71	9	6	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	X
emaj-71	10	1	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-71	10	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-71	10	3	volume	volume	NOUN
emaj-71	10	4	5	5	NUM
emaj-71	10	5	no	no	DET
emaj-71	10	6	1	1	NUM
emaj-71	10	7	(	(	PUNCT
emaj-71	10	8	2015	2015	NUM
emaj-71	10	9	)	)	PUNCT
emaj-71	10	10	|	|	ADV
emaj-71	10	11	issn	issn	VERB
emaj-71	10	12	2158	2158	NUM
emaj-71	10	13	-	-	SYM
emaj-71	10	14	8708	8708	NUM
emaj-71	10	15	(	(	PUNCT
emaj-71	10	16	online	online	NOUN
emaj-71	10	17	)	)	PUNCT
emaj-71	10	18	|	|	ADV
emaj-71	10	19	doi	doi	X
emaj-71	10	20	10.5195	10.5195	NUM
emaj-71	10	21	/	/	SYM
emaj-71	10	22	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	10	23	|	|	ADV
emaj-71	10	24	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	10	25	the	the	DET
emaj-71	10	26	role	role	NOUN
emaj-71	10	27	of	of	ADP
emaj-71	10	28	cross	cross	NOUN
emaj-71	10	29	selling	selling	NOUN
emaj-71	10	30	in	in	ADP
emaj-71	10	31	sme	sme	PROPN
emaj-71	10	32	banking	banking	NOUN
emaj-71	10	33	:	:	PUNCT
emaj-71	10	34	an	an	DET
emaj-71	10	35	analysis	analysis	NOUN
emaj-71	10	36	from	from	ADP
emaj-71	10	37	turkey	turkey	NOUN
emaj-71	10	38	page	page	NOUN
emaj-71	10	39	|82|	|82|	NOUN
emaj-71	10	40	emerging	emerge	VERB
emaj-71	10	41	markets	market	NOUN
emaj-71	10	42	journal	journal	VERB
emaj-71	10	43	the	the	DET
emaj-71	10	44	role	role	NOUN
emaj-71	10	45	of	of	ADP
emaj-71	10	46	cross	cross	NOUN
emaj-71	10	47	selling	selling	NOUN
emaj-71	10	48	in	in	ADP
emaj-71	10	49	sme	sme	PROPN
emaj-71	10	50	banking	banking	NOUN
emaj-71	10	51	:	:	PUNCT
emaj-71	10	52	an	an	DET
emaj-71	10	53	analysis	analysis	NOUN
emaj-71	10	54	from	from	ADP
emaj-71	10	55	turkey	turkey	PROPN
emaj-71	10	56	hande	hande	PROPN
emaj-71	10	57	karadag	karadag	PROPN
emaj-71	10	58	vedat	vedat	PROPN
emaj-71	10	59	akman	akman	PROPN
emaj-71	10	60	1	1	NUM
emaj-71	10	61	.	.	PUNCT
emaj-71	11	1	introduction	introduction	NOUN
emaj-71	11	2	sme	sme	PROPN
emaj-71	11	3	concept	concept	NOUN
emaj-71	11	4	gained	gain	VERB
emaj-71	11	5	popularity	popularity	NOUN
emaj-71	11	6	in	in	ADP
emaj-71	11	7	academia	academia	NOUN
emaj-71	11	8	and	and	CCONJ
emaj-71	11	9	among	among	ADP
emaj-71	11	10	regulators	regulator	NOUN
emaj-71	11	11	and	and	CCONJ
emaj-71	11	12	practitioners	practitioner	NOUN
emaj-71	11	13	particularly	particularly	ADV
emaj-71	11	14	after	after	ADP
emaj-71	11	15	1980	1980	NUM
emaj-71	11	16	’s	’s	PART
emaj-71	11	17	,	,	PUNCT
emaj-71	11	18	as	as	SCONJ
emaj-71	11	19	the	the	DET
emaj-71	11	20	focus	focus	NOUN
emaj-71	11	21	in	in	ADP
emaj-71	11	22	both	both	CCONJ
emaj-71	11	23	the	the	DET
emaj-71	11	24	developed	developed	ADJ
emaj-71	11	25	and	and	CCONJ
emaj-71	11	26	developing	develop	VERB
emaj-71	11	27	economies	economy	NOUN
emaj-71	11	28	shifted	shift	VERB
emaj-71	11	29	from	from	ADP
emaj-71	11	30	large	large	ADJ
emaj-71	11	31	corporations	corporation	NOUN
emaj-71	11	32	to	to	ADP
emaj-71	11	33	small	small	ADJ
emaj-71	11	34	and	and	CCONJ
emaj-71	11	35	medium	medium	ADJ
emaj-71	11	36	sized	sized	ADJ
emaj-71	11	37	enterprises	enterprise	NOUN
emaj-71	11	38	.	.	PUNCT
emaj-71	12	1	although	although	SCONJ
emaj-71	12	2	every	every	DET
emaj-71	12	3	economic	economic	ADJ
emaj-71	12	4	region	region	NOUN
emaj-71	12	5	or	or	CCONJ
emaj-71	12	6	country	country	NOUN
emaj-71	12	7	has	have	VERB
emaj-71	12	8	its	its	PRON
emaj-71	12	9	own	own	ADJ
emaj-71	12	10	sme	sme	NOUN
emaj-71	12	11	categorization	categorization	NOUN
emaj-71	12	12	,	,	PUNCT
emaj-71	12	13	smes	sme	NOUN
emaj-71	12	14	and	and	CCONJ
emaj-71	12	15	entrepreneurship	entrepreneurship	NOUN
emaj-71	12	16	are	be	AUX
emaj-71	12	17	accepted	accept	VERB
emaj-71	12	18	“	"	PUNCT
emaj-71	12	19	to	to	PART
emaj-71	12	20	be	be	AUX
emaj-71	12	21	a	a	DET
emaj-71	12	22	key	key	ADJ
emaj-71	12	23	source	source	NOUN
emaj-71	12	24	of	of	ADP
emaj-71	12	25	dynamism	dynamism	NOUN
emaj-71	12	26	,	,	PUNCT
emaj-71	12	27	innovation	innovation	NOUN
emaj-71	12	28	and	and	CCONJ
emaj-71	12	29	flexibility	flexibility	NOUN
emaj-71	12	30	in	in	ADP
emaj-71	12	31	advanced	advanced	ADJ
emaj-71	12	32	industrialized	industrialize	VERB
emaj-71	12	33	countries	country	NOUN
emaj-71	12	34	,	,	PUNCT
emaj-71	12	35	as	as	ADV
emaj-71	12	36	well	well	ADV
emaj-71	12	37	as	as	ADP
emaj-71	12	38	in	in	ADP
emaj-71	12	39	emerging	emerge	VERB
emaj-71	12	40	and	and	CCONJ
emaj-71	12	41	developing	develop	VERB
emaj-71	12	42	economies	economy	NOUN
emaj-71	12	43	”	"	PUNCT
emaj-71	12	44	(	(	PUNCT
emaj-71	12	45	oecd	oecd	PROPN
emaj-71	12	46	,	,	PUNCT
emaj-71	12	47	2006:9	2006:9	NUM
emaj-71	12	48	)	)	PUNCT
emaj-71	12	49	.	.	PUNCT
emaj-71	13	1	the	the	DET
emaj-71	13	2	role	role	NOUN
emaj-71	13	3	of	of	ADP
emaj-71	13	4	sme	sme	NOUN
emaj-71	13	5	’s	’s	X
emaj-71	13	6	in	in	ADP
emaj-71	13	7	social	social	ADJ
emaj-71	13	8	and	and	CCONJ
emaj-71	13	9	economic	economic	ADJ
emaj-71	13	10	development	development	NOUN
emaj-71	13	11	has	have	AUX
emaj-71	13	12	been	be	AUX
emaj-71	13	13	“	"	PUNCT
emaj-71	13	14	widely	widely	ADV
emaj-71	13	15	recognized	recognize	VERB
emaj-71	13	16	in	in	ADP
emaj-71	13	17	developed	develop	VERB
emaj-71	13	18	countries	country	NOUN
emaj-71	13	19	as	as	ADV
emaj-71	13	20	well	well	ADV
emaj-71	13	21	as	as	ADP
emaj-71	13	22	developing	develop	VERB
emaj-71	13	23	economies	economy	NOUN
emaj-71	13	24	”	"	PUNCT
emaj-71	13	25	(	(	PUNCT
emaj-71	13	26	oecd,2006:9	oecd,2006:9	NOUN
emaj-71	13	27	)	)	PUNCT
emaj-71	13	28	,	,	PUNCT
emaj-71	13	29	particularly	particularly	ADV
emaj-71	13	30	after	after	ADP
emaj-71	13	31	1980	1980	NUM
emaj-71	13	32	’s	’s	PART
emaj-71	13	33	.	.	PUNCT
emaj-71	14	1	smes	sme	NOUN
emaj-71	14	2	are	be	AUX
emaj-71	14	3	called	call	VERB
emaj-71	14	4	as	as	ADP
emaj-71	14	5	the	the	DET
emaj-71	14	6	“	"	PUNCT
emaj-71	14	7	backbone	backbone	NOUN
emaj-71	14	8	of	of	ADP
emaj-71	14	9	the	the	DET
emaj-71	14	10	european	european	ADJ
emaj-71	14	11	economy	economy	NOUN
emaj-71	14	12	”	"	PUNCT
emaj-71	14	13	as	as	SCONJ
emaj-71	14	14	they	they	PRON
emaj-71	14	15	constitute	constitute	VERB
emaj-71	14	16	98	98	NUM
emaj-71	14	17	%	%	NOUN
emaj-71	14	18	of	of	ADP
emaj-71	14	19	all	all	DET
emaj-71	14	20	enterprises	enterprise	NOUN
emaj-71	14	21	(	(	PUNCT
emaj-71	14	22	20.7	20.7	NUM
emaj-71	14	23	million	million	NUM
emaj-71	14	24	businesses	business	NOUN
emaj-71	14	25	)	)	PUNCT
emaj-71	14	26	and	and	CCONJ
emaj-71	14	27	“	"	PUNCT
emaj-71	14	28	account	account	VERB
emaj-71	14	29	for	for	ADP
emaj-71	14	30	67	67	NUM
emaj-71	14	31	%	%	NOUN
emaj-71	14	32	of	of	ADP
emaj-71	14	33	total	total	ADJ
emaj-71	14	34	employment	employment	NOUN
emaj-71	14	35	and	and	CCONJ
emaj-71	14	36	58	58	NUM
emaj-71	14	37	%	%	NOUN
emaj-71	14	38	of	of	ADP
emaj-71	14	39	gross	gross	ADJ
emaj-71	14	40	value	value	NOUN
emaj-71	14	41	added	add	VERB
emaj-71	14	42	(	(	PUNCT
emaj-71	14	43	gva	gva	PROPN
emaj-71	14	44	)	)	PUNCT
emaj-71	14	45	in	in	ADP
emaj-71	14	46	eu	eu	PROPN
emaj-71	14	47	,	,	PUNCT
emaj-71	14	48	as	as	ADP
emaj-71	14	49	of	of	ADP
emaj-71	14	50	2012	2012	NUM
emaj-71	14	51	”	"	PUNCT
emaj-71	14	52	(	(	PUNCT
emaj-71	14	53	ec,2012	ec,2012	PROPN
emaj-71	14	54	)	)	PUNCT
emaj-71	14	55	.	.	PUNCT
emaj-71	15	1	as	as	SCONJ
emaj-71	15	2	ardiç	ardiç	PROPN
emaj-71	15	3	,	,	PUNCT
emaj-71	15	4	mylenko	mylenko	NOUN
emaj-71	15	5	and	and	CCONJ
emaj-71	15	6	saltane	saltane	NOUN
emaj-71	15	7	stated	state	VERB
emaj-71	15	8	,	,	PUNCT
emaj-71	15	9	sme	sme	PROPN
emaj-71	15	10	development	development	NOUN
emaj-71	15	11	is	be	AUX
emaj-71	15	12	“	"	PUNCT
emaj-71	15	13	closely	closely	ADV
emaj-71	15	14	linked	link	VERB
emaj-71	15	15	with	with	ADP
emaj-71	15	16	growth	growth	NOUN
emaj-71	15	17	”	"	PUNCT
emaj-71	15	18	(	(	PUNCT
emaj-71	15	19	ardiç	ardiç	PROPN
emaj-71	15	20	,	,	PUNCT
emaj-71	15	21	mylenko	mylenko	NOUN
emaj-71	15	22	and	and	CCONJ
emaj-71	15	23	saltane	saltane	NOUN
emaj-71	15	24	,	,	PUNCT
emaj-71	15	25	2011	2011	NUM
emaj-71	15	26	)	)	PUNCT
emaj-71	15	27	,	,	PUNCT
emaj-71	15	28	in	in	ADP
emaj-71	15	29	their	their	PRON
emaj-71	15	30	referrals	referral	NOUN
emaj-71	15	31	to	to	PART
emaj-71	15	32	beck	beck	PROPN
emaj-71	15	33	,	,	PUNCT
emaj-71	15	34	et	et	PROPN
emaj-71	15	35	al	al	PROPN
emaj-71	15	36	.	.	PROPN
emaj-71	16	1	(	(	PUNCT
emaj-71	16	2	2010	2010	NUM
emaj-71	16	3	)	)	PUNCT
emaj-71	16	4	who	who	PRON
emaj-71	16	5	found	find	VERB
emaj-71	16	6	“	"	PUNCT
emaj-71	16	7	a	a	DET
emaj-71	16	8	robust	robust	ADJ
emaj-71	16	9	,	,	PUNCT
emaj-71	16	10	positive	positive	ADJ
emaj-71	16	11	relationship	relationship	NOUN
emaj-71	16	12	between	between	ADP
emaj-71	16	13	the	the	DET
emaj-71	16	14	relative	relative	ADJ
emaj-71	16	15	size	size	NOUN
emaj-71	16	16	of	of	ADP
emaj-71	16	17	the	the	DET
emaj-71	16	18	sme	sme	NOUN
emaj-71	16	19	sector	sector	NOUN
emaj-71	16	20	and	and	CCONJ
emaj-71	16	21	economic	economic	ADJ
emaj-71	16	22	growth	growth	NOUN
emaj-71	16	23	,	,	PUNCT
emaj-71	16	24	even	even	ADV
emaj-71	16	25	when	when	SCONJ
emaj-71	16	26	controlling	control	VERB
emaj-71	16	27	for	for	ADP
emaj-71	16	28	other	other	ADJ
emaj-71	16	29	growth	growth	NOUN
emaj-71	16	30	determinants	determinant	NOUN
emaj-71	16	31	”	"	PUNCT
emaj-71	16	32	(	(	PUNCT
emaj-71	16	33	ardıç	ardıç	ADV
emaj-71	16	34	,	,	PUNCT
emaj-71	16	35	et	et	PROPN
emaj-71	16	36	al	al	PROPN
emaj-71	16	37	.	.	PROPN
emaj-71	16	38	,	,	PUNCT
emaj-71	16	39	2011	2011	NUM
emaj-71	16	40	;	;	PUNCT
emaj-71	16	41	beck	beck	PROPN
emaj-71	16	42	,	,	PUNCT
emaj-71	16	43	et	et	PROPN
emaj-71	16	44	.	.	PUNCT
emaj-71	17	1	al	al	PROPN
emaj-71	17	2	.	.	PROPN
emaj-71	17	3	,	,	PUNCT
emaj-71	17	4	2010:187	2010:187	NUM
emaj-71	17	5	)	)	PUNCT
emaj-71	17	6	.	.	PUNCT
emaj-71	18	1	among	among	ADP
emaj-71	18	2	several	several	ADJ
emaj-71	18	3	problems	problem	NOUN
emaj-71	18	4	of	of	ADP
emaj-71	18	5	smes	sme	NOUN
emaj-71	18	6	,	,	PUNCT
emaj-71	18	7	financial	financial	ADJ
emaj-71	18	8	challenges	challenge	NOUN
emaj-71	18	9	have	have	VERB
emaj-71	18	10	a	a	DET
emaj-71	18	11	unique	unique	ADJ
emaj-71	18	12	situation	situation	NOUN
emaj-71	18	13	.	.	PUNCT
emaj-71	19	1	according	accord	VERB
emaj-71	19	2	to	to	ADP
emaj-71	19	3	oecd	oecd	PROPN
emaj-71	19	4	reports	report	NOUN
emaj-71	19	5	,	,	PUNCT
emaj-71	19	6	most	most	ADJ
emaj-71	19	7	problems	problem	NOUN
emaj-71	19	8	of	of	ADP
emaj-71	19	9	smes	sme	NOUN
emaj-71	19	10	have	have	VERB
emaj-71	19	11	a	a	DET
emaj-71	19	12	financial	financial	ADJ
emaj-71	19	13	nature	nature	NOUN
emaj-71	19	14	(	(	PUNCT
emaj-71	19	15	oecd	oecd	PROPN
emaj-71	19	16	,	,	PUNCT
emaj-71	19	17	2004,2006	2004,2006	NUM
emaj-71	19	18	)	)	PUNCT
emaj-71	19	19	as	as	SCONJ
emaj-71	19	20	finance	finance	NOUN
emaj-71	19	21	“	"	PUNCT
emaj-71	19	22	is	be	AUX
emaj-71	19	23	a	a	DET
emaj-71	19	24	key	key	ADJ
emaj-71	19	25	element	element	NOUN
emaj-71	19	26	in	in	ADP
emaj-71	19	27	determining	determine	VERB
emaj-71	19	28	the	the	DET
emaj-71	19	29	growth	growth	NOUN
emaj-71	19	30	and	and	CCONJ
emaj-71	19	31	survival	survival	NOUN
emaj-71	19	32	of	of	ADP
emaj-71	19	33	smes	sme	NOUN
emaj-71	19	34	in	in	ADP
emaj-71	19	35	both	both	DET
emaj-71	19	36	developed	developed	ADJ
emaj-71	19	37	and	and	CCONJ
emaj-71	19	38	developing	develop	VERB
emaj-71	19	39	economies	economy	NOUN
emaj-71	19	40	”	"	PUNCT
emaj-71	19	41	(	(	PUNCT
emaj-71	19	42	richard	richard	NOUN
emaj-71	19	43	and	and	CCONJ
emaj-71	19	44	mori	mori	PROPN
emaj-71	19	45	,	,	PUNCT
emaj-71	19	46	2012:2	2012:2	NUM
emaj-71	19	47	)	)	PUNCT
emaj-71	19	48	.	.	PUNCT
emaj-71	20	1	while	while	SCONJ
emaj-71	20	2	there	there	PRON
emaj-71	20	3	is	be	VERB
emaj-71	20	4	a	a	DET
emaj-71	20	5	wealth	wealth	NOUN
emaj-71	20	6	of	of	ADP
emaj-71	20	7	studies	study	NOUN
emaj-71	20	8	on	on	ADP
emaj-71	20	9	sme	sme	NOUN
emaj-71	20	10	finance	finance	NOUN
emaj-71	20	11	and	and	CCONJ
emaj-71	20	12	particularly	particularly	ADV
emaj-71	20	13	sme	sme	ADJ
emaj-71	20	14	lending	lending	NOUN
emaj-71	20	15	,	,	PUNCT
emaj-71	20	16	there	there	PRON
emaj-71	20	17	have	have	AUX
emaj-71	20	18	been	be	AUX
emaj-71	20	19	relatively	relatively	ADV
emaj-71	20	20	few	few	ADJ
emaj-71	20	21	academic	academic	ADJ
emaj-71	20	22	studies	study	NOUN
emaj-71	20	23	related	relate	VERB
emaj-71	20	24	with	with	ADP
emaj-71	20	25	the	the	DET
emaj-71	20	26	supply	supply	NOUN
emaj-71	20	27	side	side	NOUN
emaj-71	20	28	of	of	ADP
emaj-71	20	29	sme	sme	PROPN
emaj-71	20	30	banking	banking	PROPN
emaj-71	20	31	(	(	PUNCT
emaj-71	20	32	rocha	rocha	PROPN
emaj-71	20	33	,	,	PUNCT
emaj-71	20	34	et.al	et.al	PROPN
emaj-71	20	35	,	,	PUNCT
emaj-71	20	36	2011	2011	NUM
emaj-71	20	37	)	)	PUNCT
emaj-71	20	38	.	.	PUNCT
emaj-71	21	1	the	the	DET
emaj-71	21	2	leading	lead	VERB
emaj-71	21	3	studies	study	NOUN
emaj-71	21	4	in	in	ADP
emaj-71	21	5	this	this	DET
emaj-71	21	6	field	field	NOUN
emaj-71	21	7	were	be	AUX
emaj-71	21	8	provided	provide	VERB
emaj-71	21	9	by	by	ADP
emaj-71	21	10	beck	beck	NOUN
emaj-71	21	11	,	,	PUNCT
emaj-71	21	12	et.al	et.al	PROPN
emaj-71	21	13	(	(	PUNCT
emaj-71	21	14	2008,2009	2008,2009	NUM
emaj-71	21	15	)	)	PUNCT
emaj-71	21	16	,	,	PUNCT
emaj-71	21	17	de	de	X
emaj-71	21	18	la	la	X
emaj-71	21	19	torre	torre	PROPN
emaj-71	21	20	,	,	PUNCT
emaj-71	21	21	et	et	PROPN
emaj-71	21	22	.	.	PUNCT
emaj-71	22	1	al	al	PROPN
emaj-71	22	2	.	.	PROPN
emaj-71	23	1	(	(	PUNCT
emaj-71	23	2	2010	2010	NUM
emaj-71	23	3	)	)	PUNCT
emaj-71	23	4	and	and	CCONJ
emaj-71	23	5	rocha	rocha	PROPN
emaj-71	23	6	et	et	PROPN
emaj-71	23	7	.	.	PUNCT
emaj-71	24	1	al	al	PROPN
emaj-71	24	2	.	.	PROPN
emaj-71	25	1	(	(	PUNCT
emaj-71	25	2	2011	2011	NUM
emaj-71	25	3	)	)	PUNCT
emaj-71	25	4	,	,	PUNCT
emaj-71	25	5	who	who	PRON
emaj-71	25	6	addressed	address	VERB
emaj-71	25	7	the	the	DET
emaj-71	25	8	driving	drive	VERB
emaj-71	25	9	factors	factor	NOUN
emaj-71	25	10	and	and	CCONJ
emaj-71	25	11	challenges	challenge	NOUN
emaj-71	25	12	in	in	ADP
emaj-71	25	13	sme	sme	ADJ
emaj-71	25	14	banking	banking	NOUN
emaj-71	25	15	,	,	PUNCT
emaj-71	25	16	together	together	ADV
emaj-71	25	17	with	with	ADP
emaj-71	25	18	the	the	DET
emaj-71	25	19	evidence	evidence	NOUN
emaj-71	25	20	on	on	ADP
emaj-71	25	21	recent	recent	ADJ
emaj-71	25	22	trends	trend	NOUN
emaj-71	25	23	and	and	CCONJ
emaj-71	25	24	developments	development	NOUN
emaj-71	25	25	in	in	ADP
emaj-71	25	26	the	the	DET
emaj-71	25	27	industry	industry	NOUN
emaj-71	25	28	.	.	PUNCT
emaj-71	26	1	however	however	ADV
emaj-71	26	2	,	,	PUNCT
emaj-71	26	3	the	the	DET
emaj-71	26	4	role	role	NOUN
emaj-71	26	5	of	of	ADP
emaj-71	26	6	non	non	ADJ
emaj-71	26	7	-	-	ADJ
emaj-71	26	8	lending	lending	ADJ
emaj-71	26	9	products	product	NOUN
emaj-71	26	10	and	and	CCONJ
emaj-71	26	11	services	service	NOUN
emaj-71	26	12	in	in	ADP
emaj-71	26	13	servicing	service	VERB
emaj-71	26	14	smes	sme	NOUN
emaj-71	26	15	has	have	AUX
emaj-71	26	16	not	not	PART
emaj-71	26	17	been	be	AUX
emaj-71	26	18	studied	study	VERB
emaj-71	26	19	in	in	ADP
emaj-71	26	20	depth	depth	NOUN
emaj-71	26	21	,	,	PUNCT
emaj-71	26	22	up	up	ADP
emaj-71	26	23	to	to	ADP
emaj-71	26	24	date	date	NOUN
emaj-71	26	25	.	.	PUNCT
emaj-71	27	1	this	this	DET
emaj-71	27	2	paper	paper	NOUN
emaj-71	27	3	aims	aim	VERB
emaj-71	27	4	to	to	PART
emaj-71	27	5	address	address	VERB
emaj-71	27	6	this	this	DET
emaj-71	27	7	gap	gap	NOUN
emaj-71	27	8	in	in	ADP
emaj-71	27	9	the	the	DET
emaj-71	27	10	literature	literature	NOUN
emaj-71	27	11	,	,	PUNCT
emaj-71	27	12	by	by	ADP
emaj-71	27	13	analyzing	analyze	VERB
emaj-71	27	14	the	the	DET
emaj-71	27	15	supply	supply	NOUN
emaj-71	27	16	side	side	NOUN
emaj-71	27	17	of	of	ADP
emaj-71	27	18	non	non	ADJ
emaj-71	27	19	-	-	ADJ
emaj-71	27	20	lending	lending	ADJ
emaj-71	27	21	practices	practice	NOUN
emaj-71	27	22	to	to	ADP
emaj-71	27	23	smes	sme	NOUN
emaj-71	27	24	which	which	PRON
emaj-71	27	25	is	be	AUX
emaj-71	27	26	a	a	DET
emaj-71	27	27	concept	concept	NOUN
emaj-71	27	28	that	that	PRON
emaj-71	27	29	recently	recently	ADV
emaj-71	27	30	started	start	VERB
emaj-71	27	31	to	to	PART
emaj-71	27	32	attract	attract	VERB
emaj-71	27	33	the	the	DET
emaj-71	27	34	interest	interest	NOUN
emaj-71	27	35	of	of	ADP
emaj-71	27	36	sme	sme	PROPN
emaj-71	27	37	finance	finance	NOUN
emaj-71	27	38	scholars	scholar	NOUN
emaj-71	27	39	(	(	PUNCT
emaj-71	27	40	de	de	X
emaj-71	27	41	la	la	X
emaj-71	27	42	torre	torre	PROPN
emaj-71	27	43	,	,	PUNCT
emaj-71	27	44	et	et	PROPN
emaj-71	27	45	.	.	PUNCT
emaj-71	28	1	al	al	PROPN
emaj-71	28	2	.	.	PROPN
emaj-71	28	3	,	,	PUNCT
emaj-71	28	4	2010	2010	NUM
emaj-71	28	5	)	)	PUNCT
emaj-71	28	6	.	.	PUNCT
emaj-71	29	1	at	at	ADP
emaj-71	29	2	both	both	CCONJ
emaj-71	29	3	international	international	ADJ
emaj-71	29	4	context	context	NOUN
emaj-71	29	5	and	and	CCONJ
emaj-71	29	6	in	in	ADP
emaj-71	29	7	turkish	turkish	ADJ
emaj-71	29	8	banking	banking	NOUN
emaj-71	29	9	system	system	NOUN
emaj-71	29	10	.	.	PUNCT
emaj-71	30	1	despite	despite	SCONJ
emaj-71	30	2	the	the	DET
emaj-71	30	3	unsaturated	unsaturated	ADJ
emaj-71	30	4	nature	nature	NOUN
emaj-71	30	5	of	of	ADP
emaj-71	30	6	sme	sme	ADJ
emaj-71	30	7	segment	segment	NOUN
emaj-71	30	8	in	in	ADP
emaj-71	30	9	terms	term	NOUN
emaj-71	30	10	of	of	ADP
emaj-71	30	11	provision	provision	NOUN
emaj-71	30	12	of	of	ADP
emaj-71	30	13	banking	banking	NOUN
emaj-71	30	14	services	service	NOUN
emaj-71	30	15	,	,	PUNCT
emaj-71	30	16	the	the	DET
emaj-71	30	17	banking	banking	NOUN
emaj-71	30	18	system	system	NOUN
emaj-71	30	19	in	in	ADP
emaj-71	30	20	turkey	turkey	NOUN
emaj-71	30	21	is	be	AUX
emaj-71	30	22	regarded	regard	VERB
emaj-71	30	23	as	as	ADP
emaj-71	30	24	“	"	PUNCT
emaj-71	30	25	advanced	advanced	ADJ
emaj-71	30	26	”	"	PUNCT
emaj-71	30	27	for	for	ADP
emaj-71	30	28	servicing	service	VERB
emaj-71	30	29	smes	sme	NOUN
emaj-71	30	30	and	and	CCONJ
emaj-71	30	31	other	other	ADJ
emaj-71	30	32	customers	customer	NOUN
emaj-71	30	33	(	(	PUNCT
emaj-71	30	34	oecd	oecd	PROPN
emaj-71	30	35	,	,	PUNCT
emaj-71	30	36	2014).therefore	2014).therefore	NUM
emaj-71	30	37	the	the	DET
emaj-71	30	38	analysis	analysis	NOUN
emaj-71	30	39	is	be	AUX
emaj-71	30	40	expected	expect	VERB
emaj-71	30	41	to	to	PART
emaj-71	30	42	make	make	VERB
emaj-71	30	43	an	an	DET
emaj-71	30	44	important	important	ADJ
emaj-71	30	45	contribution	contribution	NOUN
emaj-71	30	46	to	to	ADP
emaj-71	30	47	the	the	DET
emaj-71	30	48	sme	sme	PROPN
emaj-71	30	49	finance	finance	PROPN
emaj-71	30	50	literature	literature	NOUN
emaj-71	30	51	by	by	ADP
emaj-71	30	52	analyzing	analyze	VERB
emaj-71	30	53	the	the	DET
emaj-71	30	54	development	development	NOUN
emaj-71	30	55	of	of	ADP
emaj-71	30	56	the	the	DET
emaj-71	30	57	concept	concept	NOUN
emaj-71	30	58	of	of	ADP
emaj-71	30	59	cross	cross	NOUN
emaj-71	30	60	selling	selling	NOUN
emaj-71	30	61	in	in	ADP
emaj-71	30	62	sme	sme	NOUN
emaj-71	30	63	banking	banking	NOUN
emaj-71	30	64	and	and	CCONJ
emaj-71	30	65	providing	provide	VERB
emaj-71	30	66	valuable	valuable	ADJ
emaj-71	30	67	information	information	NOUN
emaj-71	30	68	on	on	ADP
emaj-71	30	69	the	the	DET
emaj-71	30	70	cross	cross	ADJ
emaj-71	30	71	-	-	ADJ
emaj-71	30	72	selling	selling	ADJ
emaj-71	30	73	practices	practice	NOUN
emaj-71	30	74	of	of	ADP
emaj-71	30	75	major	major	ADJ
emaj-71	30	76	banks	bank	NOUN
emaj-71	30	77	operating	operate	VERB
emaj-71	30	78	in	in	ADP
emaj-71	30	79	turkey	turkey	NOUN
emaj-71	30	80	,	,	PUNCT
emaj-71	30	81	some	some	PRON
emaj-71	30	82	of	of	ADP
emaj-71	30	83	which	which	PRON
emaj-71	30	84	are	be	AUX
emaj-71	30	85	regarded	regard	VERB
emaj-71	30	86	as	as	ADP
emaj-71	30	87	‘	'	PUNCT
emaj-71	30	88	best	good	ADJ
emaj-71	30	89	practices	practice	NOUN
emaj-71	30	90	’	'	PUNCT
emaj-71	30	91	by	by	ADP
emaj-71	30	92	ifc	ifc	NOUN
emaj-71	30	93	.	.	PUNCT
emaj-71	31	1	the	the	DET
emaj-71	31	2	study	study	NOUN
emaj-71	31	3	is	be	AUX
emaj-71	31	4	organized	organize	VERB
emaj-71	31	5	as	as	SCONJ
emaj-71	31	6	follows	follow	VERB
emaj-71	31	7	.	.	PUNCT
emaj-71	32	1	the	the	DET
emaj-71	32	2	first	first	ADJ
emaj-71	32	3	section	section	NOUN
emaj-71	32	4	briefly	briefly	NOUN
emaj-71	32	5	overviews	overview	VERB
emaj-71	32	6	the	the	DET
emaj-71	32	7	sme	sme	NOUN
emaj-71	32	8	sector	sector	NOUN
emaj-71	32	9	in	in	ADP
emaj-71	32	10	international	international	ADJ
emaj-71	32	11	and	and	CCONJ
emaj-71	32	12	local	local	ADJ
emaj-71	32	13	contexts	contexts	NOUN
emaj-71	32	14	.	.	PUNCT
emaj-71	33	1	in	in	ADP
emaj-71	33	2	the	the	DET
emaj-71	33	3	second	second	ADJ
emaj-71	33	4	part	part	NOUN
emaj-71	33	5	,	,	PUNCT
emaj-71	33	6	the	the	DET
emaj-71	33	7	emergence	emergence	NOUN
emaj-71	33	8	and	and	CCONJ
emaj-71	33	9	development	development	NOUN
emaj-71	33	10	of	of	ADP
emaj-71	33	11	cross	cross	ADJ
emaj-71	33	12	-	-	ADJ
emaj-71	33	13	selling	selling	ADJ
emaj-71	33	14	concept	concept	NOUN
emaj-71	33	15	in	in	ADP
emaj-71	33	16	sme	sme	NOUN
emaj-71	33	17	banking	banking	NOUN
emaj-71	33	18	is	be	AUX
emaj-71	33	19	investigated	investigate	VERB
emaj-71	33	20	,	,	PUNCT
emaj-71	33	21	in	in	ADP
emaj-71	33	22	third	third	ADJ
emaj-71	33	23	section	section	NOUN
emaj-71	33	24	,	,	PUNCT
emaj-71	33	25	major	major	ADJ
emaj-71	33	26	crossselling	crossselle	VERB
emaj-71	33	27	strategies	strategy	NOUN
emaj-71	33	28	and	and	CCONJ
emaj-71	33	29	practices	practice	NOUN
emaj-71	33	30	of	of	ADP
emaj-71	33	31	market	market	NOUN
emaj-71	33	32	-	-	PUNCT
emaj-71	33	33	maker	maker	NOUN
emaj-71	33	34	banks	bank	NOUN
emaj-71	33	35	in	in	ADP
emaj-71	33	36	turkey	turkey	NOUN
emaj-71	33	37	are	be	AUX
emaj-71	33	38	analyzed	analyze	VERB
emaj-71	33	39	and	and	CCONJ
emaj-71	33	40	the	the	DET
emaj-71	33	41	last	last	ADJ
emaj-71	33	42	section	section	NOUN
emaj-71	33	43	concludes	conclude	VERB
emaj-71	33	44	.	.	PUNCT
emaj-71	34	1	the	the	DET
emaj-71	34	2	context	context	NOUN
emaj-71	34	3	of	of	ADP
emaj-71	34	4	smes	sme	NOUN
emaj-71	34	5	small	small	ADJ
emaj-71	34	6	and	and	CCONJ
emaj-71	34	7	medium	medium	ADJ
emaj-71	34	8	-	-	PUNCT
emaj-71	34	9	sized	sized	ADJ
emaj-71	34	10	enterprises	enterprise	NOUN
emaj-71	34	11	(	(	PUNCT
emaj-71	34	12	smes	sme	NOUN
emaj-71	34	13	)	)	PUNCT
emaj-71	34	14	are	be	AUX
emaj-71	34	15	generally	generally	ADV
emaj-71	34	16	described	describe	VERB
emaj-71	34	17	as	as	ADP
emaj-71	34	18	“	"	PUNCT
emaj-71	34	19	enterprises	enterprise	NOUN
emaj-71	34	20	with	with	ADP
emaj-71	34	21	a	a	DET
emaj-71	34	22	relatively	relatively	ADV
emaj-71	34	23	small	small	ADJ
emaj-71	34	24	share	share	NOUN
emaj-71	34	25	of	of	ADP
emaj-71	34	26	the	the	DET
emaj-71	34	27	market	market	NOUN
emaj-71	34	28	,	,	PUNCT
emaj-71	34	29	managed	manage	VERB
emaj-71	34	30	by	by	ADP
emaj-71	34	31	owners	owner	NOUN
emaj-71	34	32	or	or	CCONJ
emaj-71	34	33	part	part	NOUN
emaj-71	34	34	-	-	PUNCT
emaj-71	34	35	owners	owner	NOUN
emaj-71	34	36	in	in	ADP
emaj-71	34	37	a	a	DET
emaj-71	34	38	personalized	personalized	ADJ
emaj-71	34	39	way	way	NOUN
emaj-71	34	40	,	,	PUNCT
emaj-71	34	41	and	and	CCONJ
emaj-71	34	42	not	not	PART
emaj-71	34	43	through	through	ADP
emaj-71	34	44	the	the	DET
emaj-71	34	45	medium	medium	NOUN
emaj-71	34	46	of	of	ADP
emaj-71	34	47	a	a	DET
emaj-71	34	48	formalized	formalize	VERB
emaj-71	34	49	management	management	NOUN
emaj-71	34	50	structure	structure	NOUN
emaj-71	34	51	;	;	PUNCT
emaj-71	34	52	and	and	CCONJ
emaj-71	34	53	acting	act	VERB
emaj-71	34	54	as	as	ADP
emaj-71	34	55	separate	separate	ADJ
emaj-71	34	56	entities	entity	NOUN
emaj-71	34	57	,	,	PUNCT
emaj-71	34	58	in	in	ADP
emaj-71	34	59	the	the	DET
emaj-71	34	60	sense	sense	NOUN
emaj-71	34	61	of	of	ADP
emaj-71	34	62	not	not	PART
emaj-71	34	63	forming	form	VERB
emaj-71	34	64	part	part	NOUN
emaj-71	34	65	of	of	ADP
emaj-71	34	66	large	large	ADJ
emaj-71	34	67	enterprise	enterprise	NOUN
emaj-71	34	68	or	or	CCONJ
emaj-71	34	69	group	group	NOUN
emaj-71	34	70	”	"	PUNCT
emaj-71	34	71	(	(	PUNCT
emaj-71	34	72	storey	storey	NOUN
emaj-71	34	73	,	,	PUNCT
emaj-71	34	74	1994	1994	NUM
emaj-71	34	75	)	)	PUNCT
emaj-71	34	76	.	.	PUNCT
emaj-71	35	1	whether	whether	SCONJ
emaj-71	35	2	an	an	DET
emaj-71	35	3	enterprise	enterprise	NOUN
emaj-71	35	4	is	be	AUX
emaj-71	35	5	an	an	DET
emaj-71	35	6	sme	sme	NOUN
emaj-71	35	7	or	or	CCONJ
emaj-71	35	8	not	not	PART
emaj-71	35	9	can	can	AUX
emaj-71	35	10	vary	vary	VERB
emaj-71	35	11	from	from	ADP
emaj-71	35	12	one	one	NUM
emaj-71	35	13	context	context	NOUN
emaj-71	35	14	to	to	ADP
emaj-71	35	15	another	another	PRON
emaj-71	35	16	,	,	PUNCT
emaj-71	35	17	sometimes	sometimes	ADV
emaj-71	35	18	varying	vary	VERB
emaj-71	35	19	between	between	ADP
emaj-71	35	20	institutions	institution	NOUN
emaj-71	35	21	of	of	ADP
emaj-71	35	22	the	the	DET
emaj-71	35	23	same	same	ADJ
emaj-71	35	24	country	country	NOUN
emaj-71	35	25	(	(	PUNCT
emaj-71	35	26	özdemir	özdemir	NOUN
emaj-71	35	27	,	,	PUNCT
emaj-71	35	28	et.al	et.al	PROPN
emaj-71	35	29	,	,	PUNCT
emaj-71	35	30	2011	2011	NUM
emaj-71	35	31	)	)	PUNCT
emaj-71	35	32	.	.	PUNCT
emaj-71	36	1	in	in	ADP
emaj-71	36	2	turkey	turkey	PROPN
emaj-71	36	3	,	,	PUNCT
emaj-71	36	4	smes	sme	NOUN
emaj-71	36	5	are	be	AUX
emaj-71	36	6	categorized	categorize	VERB
emaj-71	36	7	in	in	ADP
emaj-71	36	8	three	three	NUM
emaj-71	36	9	groups	group	NOUN
emaj-71	36	10	of	of	ADP
emaj-71	36	11	micro	micro	NOUN
emaj-71	36	12	,	,	PUNCT
emaj-71	36	13	small	small	ADJ
emaj-71	36	14	and	and	CCONJ
emaj-71	36	15	medium	medium	ADJ
emaj-71	36	16	sized	sized	ADJ
emaj-71	36	17	enterprises	enterprise	NOUN
emaj-71	36	18	with	with	ADP
emaj-71	36	19	respect	respect	NOUN
emaj-71	36	20	to	to	ADP
emaj-71	36	21	their	their	PRON
emaj-71	36	22	employee	employee	NOUN
emaj-71	36	23	numbers	number	NOUN
emaj-71	36	24	and	and	CCONJ
emaj-71	36	25	annual	annual	ADJ
emaj-71	36	26	revenues	revenue	NOUN
emaj-71	36	27	,	,	PUNCT
emaj-71	36	28	as	as	SCONJ
emaj-71	36	29	regulated	regulate	VERB
emaj-71	36	30	by	by	ADP
emaj-71	36	31	the	the	DET
emaj-71	36	32	law	law	NOUN
emaj-71	36	33	on	on	ADP
emaj-71	36	34	sme	sme	PROPN
emaj-71	36	35	definition	definition	NOUN
emaj-71	36	36	,	,	PUNCT
emaj-71	36	37	which	which	PRON
emaj-71	36	38	came	come	VERB
emaj-71	36	39	into	into	ADP
emaj-71	36	40	force	force	NOUN
emaj-71	36	41	on	on	ADP
emaj-71	36	42	may	may	PROPN
emaj-71	36	43	18	18	NUM
emaj-71	36	44	,	,	PUNCT
emaj-71	36	45	2006	2006	NUM
emaj-71	36	46	and	and	CCONJ
emaj-71	36	47	was	be	AUX
emaj-71	36	48	amended	amend	VERB
emaj-71	36	49	on	on	ADP
emaj-71	36	50	november	november	PROPN
emaj-71	36	51	4	4	NUM
emaj-71	36	52	,	,	PUNCT
emaj-71	36	53	2012	2012	NUM
emaj-71	36	54	(	(	PUNCT
emaj-71	36	55	oecd	oecd	PROPN
emaj-71	36	56	,	,	PUNCT
emaj-71	36	57	2014	2014	NUM
emaj-71	36	58	)	)	PUNCT
emaj-71	36	59	.	.	PUNCT
emaj-71	37	1	volume	volume	NOUN
emaj-71	37	2	5	5	NUM
emaj-71	37	3	no	no	DET
emaj-71	37	4	1	1	NUM
emaj-71	37	5	(	(	PUNCT
emaj-71	37	6	2015	2015	NUM
emaj-71	37	7	)	)	PUNCT
emaj-71	37	8	|	|	ADV
emaj-71	37	9	issn	issn	VERB
emaj-71	37	10	2158	2158	NUM
emaj-71	37	11	-	-	SYM
emaj-71	37	12	8708	8708	NUM
emaj-71	37	13	(	(	PUNCT
emaj-71	37	14	online	online	NOUN
emaj-71	37	15	)	)	PUNCT
emaj-71	37	16	|	|	ADV
emaj-71	37	17	doi	doi	X
emaj-71	37	18	10.5195	10.5195	NUM
emaj-71	37	19	/	/	SYM
emaj-71	37	20	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	37	21	|	|	ADV
emaj-71	37	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	37	23	hande	hande	PROPN
emaj-71	37	24	karadag	karadag	PROPN
emaj-71	37	25	,	,	PUNCT
emaj-71	37	26	vedat	vedat	NOUN
emaj-71	37	27	akman	akman	NOUN
emaj-71	37	28	emerging	emerge	VERB
emaj-71	37	29	markets	market	NOUN
emaj-71	37	30	journal	journal	NOUN
emaj-71	37	31	|	|	ADV
emaj-71	37	32	p	p	NOUN
emaj-71	37	33	a	a	DET
emaj-71	37	34	g	g	NOUN
emaj-71	37	35	e	e	NOUN
emaj-71	37	36	|83	|83	NOUN
emaj-71	37	37	table	table	VERB
emaj-71	37	38	1	1	NUM
emaj-71	37	39	:	:	PUNCT
emaj-71	38	1	sme	sme	NOUN
emaj-71	38	2	categorization	categorization	NOUN
emaj-71	38	3	in	in	ADP
emaj-71	38	4	turkey	turkey	NOUN
emaj-71	38	5	company	company	NOUN
emaj-71	38	6	categories	category	NOUN
emaj-71	38	7	number	number	NOUN
emaj-71	38	8	of	of	ADP
emaj-71	38	9	employees	employee	NOUN
emaj-71	38	10	annual	annual	ADJ
emaj-71	38	11	turnover	turnover	NOUN
emaj-71	38	12	medium	medium	NOUN
emaj-71	38	13	-	-	PUNCT
emaj-71	38	14	sized	sized	ADJ
emaj-71	38	15	<	<	X
emaj-71	38	16	250	250	NUM
emaj-71	38	17	≤	≤	NUM
emaj-71	38	18	usd	usd	NOUN
emaj-71	38	19	17.200.000	17.200.000	NUM
emaj-71	38	20	*	*	PUNCT
emaj-71	38	21	small	small	ADJ
emaj-71	38	22	<	<	X
emaj-71	38	23	50	50	NUM
emaj-71	38	24	≤	≤	NUM
emaj-71	38	25	usd	usd	NOUN
emaj-71	38	26	3.400.000	3.400.000	NUM
emaj-71	38	27	micro	micro	NOUN
emaj-71	38	28	<	<	X
emaj-71	38	29	10	10	NUM
emaj-71	38	30	≤	≤	NUM
emaj-71	38	31	usd	usd	NOUN
emaj-71	38	32	430.000	430.000	NUM
emaj-71	38	33	source	source	NOUN
emaj-71	38	34	:	:	PUNCT
emaj-71	38	35	oecd	oecd	PROPN
emaj-71	38	36	scoreboard	scoreboard	PROPN
emaj-71	38	37	,	,	PUNCT
emaj-71	38	38	2014	2014	NUM
emaj-71	38	39	,	,	PUNCT
emaj-71	38	40	*	*	PUNCT
emaj-71	38	41	figures	figure	NOUN
emaj-71	38	42	are	be	AUX
emaj-71	38	43	converted	convert	VERB
emaj-71	38	44	from	from	ADP
emaj-71	38	45	tl	tl	PROPN
emaj-71	38	46	to	to	ADP
emaj-71	38	47	usd	usd	NOUN
emaj-71	38	48	with	with	ADP
emaj-71	38	49	the	the	DET
emaj-71	38	50	exchange	exchange	NOUN
emaj-71	38	51	rate	rate	NOUN
emaj-71	38	52	of	of	ADP
emaj-71	38	53	cb	cb	PROPN
emaj-71	38	54	of	of	ADP
emaj-71	38	55	turkey	turkey	PROPN
emaj-71	38	56	as	as	ADP
emaj-71	38	57	of	of	ADP
emaj-71	38	58	12/15/2014	12/15/2014	NUM
emaj-71	38	59	.	.	PUNCT
emaj-71	39	1	smes	sme	NOUN
emaj-71	39	2	form	form	VERB
emaj-71	39	3	a	a	DET
emaj-71	39	4	large	large	ADJ
emaj-71	39	5	part	part	NOUN
emaj-71	39	6	of	of	ADP
emaj-71	39	7	economy	economy	NOUN
emaj-71	39	8	and	and	CCONJ
emaj-71	39	9	are	be	AUX
emaj-71	39	10	seen	see	VERB
emaj-71	39	11	as	as	ADP
emaj-71	39	12	the	the	DET
emaj-71	39	13	drivers	driver	NOUN
emaj-71	39	14	of	of	ADP
emaj-71	39	15	socio	socio	NOUN
emaj-71	39	16	-	-	PUNCT
emaj-71	39	17	economic	economic	ADJ
emaj-71	39	18	development	development	NOUN
emaj-71	39	19	.	.	PUNCT
emaj-71	40	1	in	in	ADP
emaj-71	40	2	high	high	ADJ
emaj-71	40	3	income	income	NOUN
emaj-71	40	4	countries	country	NOUN
emaj-71	40	5	smes	sme	NOUN
emaj-71	40	6	contribute	contribute	VERB
emaj-71	40	7	to	to	ADP
emaj-71	40	8	50	50	NUM
emaj-71	40	9	%	%	NOUN
emaj-71	40	10	of	of	ADP
emaj-71	40	11	gdp	gdp	NOUN
emaj-71	40	12	(	(	PUNCT
emaj-71	40	13	ayyagari	ayyagari	PROPN
emaj-71	40	14	,	,	PUNCT
emaj-71	40	15	et	et	NOUN
emaj-71	40	16	.	.	PUNCT
emaj-71	41	1	al	al	PROPN
emaj-71	41	2	.	.	PROPN
emaj-71	41	3	,	,	PUNCT
emaj-71	41	4	2007	2007	NUM
emaj-71	41	5	)	)	PUNCT
emaj-71	41	6	,	,	PUNCT
emaj-71	41	7	while	while	SCONJ
emaj-71	41	8	two	two	NUM
emaj-71	41	9	-	-	PUNCT
emaj-71	41	10	third	third	NOUN
emaj-71	41	11	of	of	ADP
emaj-71	41	12	all	all	DET
emaj-71	41	13	employment	employment	NOUN
emaj-71	41	14	in	in	ADP
emaj-71	41	15	oecd	oecd	PROPN
emaj-71	41	16	and	and	CCONJ
emaj-71	41	17	emerging	emerge	VERB
emaj-71	41	18	markets	market	NOUN
emaj-71	41	19	are	be	AUX
emaj-71	41	20	supplied	supply	VERB
emaj-71	41	21	by	by	ADP
emaj-71	41	22	enterprises	enterprise	NOUN
emaj-71	41	23	with	with	ADP
emaj-71	41	24	less	less	ADJ
emaj-71	41	25	than	than	ADP
emaj-71	41	26	250	250	NUM
emaj-71	41	27	employees	employee	NOUN
emaj-71	41	28	(	(	PUNCT
emaj-71	41	29	stein	stein	PROPN
emaj-71	41	30	,	,	PUNCT
emaj-71	41	31	et.al	et.al	PROPN
emaj-71	41	32	,	,	PUNCT
emaj-71	41	33	2013	2013	NUM
emaj-71	41	34	;	;	PUNCT
emaj-71	41	35	ardic	ardic	ADJ
emaj-71	41	36	,	,	PUNCT
emaj-71	41	37	et	et	PROPN
emaj-71	41	38	al	al	PROPN
emaj-71	41	39	,	,	PUNCT
emaj-71	41	40	2012	2012	NUM
emaj-71	41	41	)	)	PUNCT
emaj-71	41	42	.	.	PUNCT
emaj-71	42	1	the	the	DET
emaj-71	42	2	importance	importance	NOUN
emaj-71	42	3	of	of	ADP
emaj-71	42	4	smes	sme	NOUN
emaj-71	42	5	have	have	AUX
emaj-71	42	6	largely	largely	ADV
emaj-71	42	7	been	be	AUX
emaj-71	42	8	recognized	recognize	VERB
emaj-71	42	9	in	in	ADP
emaj-71	42	10	the	the	DET
emaj-71	42	11	last	last	ADJ
emaj-71	42	12	decades	decade	NOUN
emaj-71	42	13	with	with	ADP
emaj-71	42	14	respect	respect	NOUN
emaj-71	42	15	to	to	ADP
emaj-71	42	16	their	their	PRON
emaj-71	42	17	contributions	contribution	NOUN
emaj-71	42	18	to	to	ADP
emaj-71	42	19	the	the	DET
emaj-71	42	20	economy	economy	NOUN
emaj-71	42	21	and	and	CCONJ
emaj-71	42	22	they	they	PRON
emaj-71	42	23	are	be	AUX
emaj-71	42	24	regarded	regard	VERB
emaj-71	42	25	as	as	ADP
emaj-71	42	26	the	the	DET
emaj-71	42	27	“	"	PUNCT
emaj-71	42	28	engines	engine	NOUN
emaj-71	42	29	of	of	ADP
emaj-71	42	30	growth	growth	NOUN
emaj-71	42	31	”	"	PUNCT
emaj-71	42	32	in	in	ADP
emaj-71	42	33	developing	develop	VERB
emaj-71	42	34	economies	economy	NOUN
emaj-71	42	35	,	,	PUNCT
emaj-71	42	36	mainly	mainly	ADV
emaj-71	42	37	due	due	ADP
emaj-71	42	38	to	to	ADP
emaj-71	42	39	the	the	DET
emaj-71	42	40	comparably	comparably	ADV
emaj-71	42	41	less	less	ADJ
emaj-71	42	42	number	number	NOUN
emaj-71	42	43	of	of	ADP
emaj-71	42	44	large	large	ADJ
emaj-71	42	45	corporations	corporation	NOUN
emaj-71	42	46	in	in	ADP
emaj-71	42	47	these	these	DET
emaj-71	42	48	contexts	contexts	NOUN
emaj-71	42	49	(	(	PUNCT
emaj-71	42	50	narteh	narteh	NOUN
emaj-71	42	51	,	,	PUNCT
emaj-71	42	52	2013	2013	NUM
emaj-71	42	53	;	;	PUNCT
emaj-71	42	54	floyd	floyd	PROPN
emaj-71	42	55	&	&	CCONJ
emaj-71	42	56	mcmanus	mcmanus	PROPN
emaj-71	42	57	,	,	PUNCT
emaj-71	42	58	2005	2005	NUM
emaj-71	42	59	)	)	PUNCT
emaj-71	42	60	.	.	PUNCT
emaj-71	43	1	the	the	DET
emaj-71	43	2	large	large	ADJ
emaj-71	43	3	share	share	NOUN
emaj-71	43	4	of	of	ADP
emaj-71	43	5	smes	sme	NOUN
emaj-71	43	6	in	in	ADP
emaj-71	43	7	every	every	DET
emaj-71	43	8	economy	economy	NOUN
emaj-71	43	9	is	be	AUX
emaj-71	43	10	much	much	ADV
emaj-71	43	11	owed	owe	VERB
emaj-71	43	12	to	to	ADP
emaj-71	43	13	their	their	PRON
emaj-71	43	14	huge	huge	ADJ
emaj-71	43	15	numbers	number	NOUN
emaj-71	43	16	,	,	PUNCT
emaj-71	43	17	reaching	reach	VERB
emaj-71	43	18	to	to	ADP
emaj-71	43	19	a	a	DET
emaj-71	43	20	height	height	NOUN
emaj-71	43	21	of	of	ADP
emaj-71	43	22	99.9	99.9	NUM
emaj-71	43	23	%	%	NOUN
emaj-71	43	24	of	of	ADP
emaj-71	43	25	all	all	DET
emaj-71	43	26	enterprises	enterprise	NOUN
emaj-71	43	27	in	in	ADP
emaj-71	43	28	many	many	ADJ
emaj-71	43	29	developing	develop	VERB
emaj-71	43	30	countries	country	NOUN
emaj-71	43	31	,	,	PUNCT
emaj-71	43	32	including	include	VERB
emaj-71	43	33	turkey	turkey	NOUN
emaj-71	43	34	(	(	PUNCT
emaj-71	43	35	ari	ari	PROPN
emaj-71	43	36	,	,	PUNCT
emaj-71	43	37	2013:36	2013:36	NUM
emaj-71	43	38	)	)	PUNCT
emaj-71	43	39	.	.	PUNCT
emaj-71	44	1	smes	sme	NOUN
emaj-71	44	2	are	be	AUX
emaj-71	44	3	the	the	DET
emaj-71	44	4	most	most	ADV
emaj-71	44	5	important	important	ADJ
emaj-71	44	6	sources	source	NOUN
emaj-71	44	7	of	of	ADP
emaj-71	44	8	employment	employment	NOUN
emaj-71	44	9	in	in	ADP
emaj-71	44	10	turkey	turkey	NOUN
emaj-71	44	11	with	with	ADP
emaj-71	44	12	76,7	76,7	NUM
emaj-71	44	13	%	%	NOUN
emaj-71	44	14	share	share	NOUN
emaj-71	44	15	(	(	PUNCT
emaj-71	44	16	sahin	sahin	PROPN
emaj-71	44	17	&	&	CCONJ
emaj-71	44	18	dogukanli	dogukanli	ADJ
emaj-71	44	19	,	,	PUNCT
emaj-71	44	20	2014	2014	NUM
emaj-71	44	21	)	)	PUNCT
emaj-71	44	22	,	,	PUNCT
emaj-71	44	23	whereas	whereas	SCONJ
emaj-71	44	24	55	55	NUM
emaj-71	44	25	%	%	NOUN
emaj-71	44	26	of	of	ADP
emaj-71	44	27	total	total	ADJ
emaj-71	44	28	value	value	NOUN
emaj-71	44	29	added	add	VERB
emaj-71	44	30	and	and	CCONJ
emaj-71	44	31	65	65	NUM
emaj-71	44	32	%	%	NOUN
emaj-71	44	33	of	of	ADP
emaj-71	44	34	total	total	ADJ
emaj-71	44	35	sales	sale	NOUN
emaj-71	44	36	in	in	ADP
emaj-71	44	37	the	the	DET
emaj-71	44	38	economy	economy	NOUN
emaj-71	44	39	are	be	AUX
emaj-71	44	40	supplied	supply	VERB
emaj-71	44	41	by	by	ADP
emaj-71	44	42	smes	sme	NOUN
emaj-71	44	43	(	(	PUNCT
emaj-71	44	44	tobb	tobb	NOUN
emaj-71	44	45	,	,	PUNCT
emaj-71	44	46	the	the	DET
emaj-71	44	47	union	union	NOUN
emaj-71	44	48	of	of	ADP
emaj-71	44	49	turkish	turkish	ADJ
emaj-71	44	50	chambers	chamber	NOUN
emaj-71	44	51	and	and	CCONJ
emaj-71	44	52	exchange	exchange	NOUN
emaj-71	44	53	commodities	commodity	NOUN
emaj-71	44	54	,	,	PUNCT
emaj-71	44	55	2014	2014	NUM
emaj-71	44	56	)	)	PUNCT
emaj-71	44	57	.	.	PUNCT
emaj-71	45	1	as	as	ADP
emaj-71	45	2	of	of	ADP
emaj-71	45	3	2009	2009	NUM
emaj-71	45	4	,	,	PUNCT
emaj-71	45	5	there	there	PRON
emaj-71	45	6	are	be	VERB
emaj-71	45	7	2.291.904	2.291.904	NUM
emaj-71	45	8	smes	sme	NOUN
emaj-71	45	9	,	,	PUNCT
emaj-71	45	10	dominated	dominate	VERB
emaj-71	45	11	by	by	ADP
emaj-71	45	12	the	the	DET
emaj-71	45	13	microenterprises	microenterprise	NOUN
emaj-71	45	14	with	with	ADP
emaj-71	45	15	less	less	ADJ
emaj-71	45	16	than	than	ADP
emaj-71	45	17	10	10	NUM
emaj-71	45	18	employees	employee	NOUN
emaj-71	45	19	(	(	PUNCT
emaj-71	45	20	oecd	oecd	PROPN
emaj-71	45	21	,	,	PUNCT
emaj-71	45	22	2014	2014	NUM
emaj-71	45	23	)	)	PUNCT
emaj-71	45	24	table	table	NOUN
emaj-71	45	25	2	2	NUM
emaj-71	45	26	:	:	PUNCT
emaj-71	45	27	distribution	distribution	NOUN
emaj-71	45	28	of	of	ADP
emaj-71	45	29	firms	firm	NOUN
emaj-71	45	30	in	in	ADP
emaj-71	45	31	turkey	turkey	PROPN
emaj-71	45	32	(	(	PUNCT
emaj-71	45	33	2009	2009	NUM
emaj-71	45	34	)	)	PUNCT
emaj-71	45	35	company	company	NOUN
emaj-71	45	36	categories	category	NOUN
emaj-71	45	37	number	number	NOUN
emaj-71	45	38	of	of	ADP
emaj-71	45	39	firms	firm	NOUN
emaj-71	45	40	%	%	VERB
emaj-71	45	41	all	all	DET
emaj-71	45	42	enterprises	enterprise	NOUN
emaj-71	45	43	2.294.554	2.294.554	NUM
emaj-71	45	44	100	100	NUM
emaj-71	45	45	smes	sme	NOUN
emaj-71	45	46	2.291.904	2.291.904	NUM
emaj-71	45	47	99.9	99.9	NUM
emaj-71	45	48	medium	medium	ADJ
emaj-71	45	49	-	-	PUNCT
emaj-71	45	50	sized	sized	ADJ
emaj-71	45	51	12.338	12.338	NUM
emaj-71	45	52	0.5	0.5	NUM
emaj-71	45	53	small	small	ADJ
emaj-71	45	54	20.504	20.504	NUM
emaj-71	45	55	0.9	0.9	NUM
emaj-71	45	56	micro	micro	NOUN
emaj-71	45	57	2.259.062	2.259.062	NUM
emaj-71	45	58	98.5	98.5	NUM
emaj-71	45	59	source	source	NOUN
emaj-71	45	60	:	:	PUNCT
emaj-71	45	61	oecd	oecd	PROPN
emaj-71	45	62	scoreboard	scoreboard	PROPN
emaj-71	45	63	,	,	PUNCT
emaj-71	45	64	2014	2014	NUM
emaj-71	45	65	due	due	ADP
emaj-71	45	66	to	to	ADP
emaj-71	45	67	this	this	DET
emaj-71	45	68	significant	significant	ADJ
emaj-71	45	69	role	role	NOUN
emaj-71	45	70	,	,	PUNCT
emaj-71	45	71	the	the	DET
emaj-71	45	72	availability	availability	NOUN
emaj-71	45	73	and	and	CCONJ
emaj-71	45	74	degree	degree	NOUN
emaj-71	45	75	of	of	ADP
emaj-71	45	76	sme	sme	NOUN
emaj-71	45	77	financing	financing	NOUN
emaj-71	45	78	have	have	AUX
emaj-71	45	79	been	be	AUX
emaj-71	45	80	the	the	DET
emaj-71	45	81	focus	focus	NOUN
emaj-71	45	82	of	of	ADP
emaj-71	45	83	various	various	ADJ
emaj-71	45	84	academic	academic	ADJ
emaj-71	45	85	studies	study	NOUN
emaj-71	45	86	,	,	PUNCT
emaj-71	45	87	as	as	SCONJ
emaj-71	45	88	it	it	PRON
emaj-71	45	89	has	have	AUX
emaj-71	45	90	been	be	AUX
emaj-71	45	91	underlined	underline	VERB
emaj-71	45	92	as	as	ADP
emaj-71	45	93	a	a	DET
emaj-71	45	94	critical	critical	ADJ
emaj-71	45	95	factor	factor	NOUN
emaj-71	45	96	in	in	ADP
emaj-71	45	97	the	the	DET
emaj-71	45	98	growth	growth	NOUN
emaj-71	45	99	and	and	CCONJ
emaj-71	45	100	development	development	NOUN
emaj-71	45	101	of	of	ADP
emaj-71	45	102	the	the	DET
emaj-71	45	103	smes	sme	NOUN
emaj-71	45	104	(	(	PUNCT
emaj-71	45	105	abdulsaleh	abdulsaleh	PROPN
emaj-71	45	106	&	&	CCONJ
emaj-71	45	107	worthington	worthington	PROPN
emaj-71	45	108	,	,	PUNCT
emaj-71	45	109	2013	2013	NUM
emaj-71	45	110	,	,	PUNCT
emaj-71	45	111	norton	norton	NOUN
emaj-71	45	112	,	,	PUNCT
emaj-71	45	113	2003	2003	NUM
emaj-71	45	114	;	;	PUNCT
emaj-71	45	115	cook	cook	VERB
emaj-71	45	116	,	,	PUNCT
emaj-71	45	117	2001	2001	NUM
emaj-71	45	118	)	)	PUNCT
emaj-71	45	119	.	.	PUNCT
emaj-71	46	1	as	as	ADP
emaj-71	46	2	in	in	ADP
emaj-71	46	3	most	most	ADJ
emaj-71	46	4	developing	develop	VERB
emaj-71	46	5	economies	economy	NOUN
emaj-71	46	6	,	,	PUNCT
emaj-71	46	7	commercial	commercial	ADJ
emaj-71	46	8	banks	bank	NOUN
emaj-71	46	9	are	be	AUX
emaj-71	46	10	still	still	ADV
emaj-71	46	11	the	the	DET
emaj-71	46	12	most	most	ADV
emaj-71	46	13	common	common	ADJ
emaj-71	46	14	sources	source	NOUN
emaj-71	46	15	of	of	ADP
emaj-71	46	16	sme	sme	PROPN
emaj-71	46	17	finance	finance	PROPN
emaj-71	46	18	in	in	ADP
emaj-71	46	19	turkey	turkey	NOUN
emaj-71	46	20	(	(	PUNCT
emaj-71	46	21	öndeş	öndeş	NOUN
emaj-71	46	22	&	&	CCONJ
emaj-71	46	23	güngör	güngör	NOUN
emaj-71	46	24	,	,	PUNCT
emaj-71	46	25	2013	2013	NUM
emaj-71	46	26	;	;	PUNCT
emaj-71	46	27	şahin	şahin	PROPN
emaj-71	46	28	,	,	PUNCT
emaj-71	46	29	2011	2011	NUM
emaj-71	46	30	;	;	PUNCT
emaj-71	46	31	çetin	çetin	NUM
emaj-71	46	32	,	,	PUNCT
emaj-71	46	33	et	et	PROPN
emaj-71	46	34	,	,	PUNCT
emaj-71	46	35	al	al	PROPN
emaj-71	46	36	,	,	PUNCT
emaj-71	46	37	2011	2011	NUM
emaj-71	46	38	;	;	PUNCT
emaj-71	46	39	güler	güler	NOUN
emaj-71	46	40	,	,	PUNCT
emaj-71	46	41	2010	2010	NUM
emaj-71	46	42	)	)	PUNCT
emaj-71	46	43	,	,	PUNCT
emaj-71	46	44	mainly	mainly	ADV
emaj-71	46	45	caused	cause	VERB
emaj-71	46	46	by	by	ADP
emaj-71	46	47	the	the	DET
emaj-71	46	48	underdevelopment	underdevelopment	NOUN
emaj-71	46	49	of	of	ADP
emaj-71	46	50	venture	venture	NOUN
emaj-71	46	51	capital	capital	NOUN
emaj-71	46	52	and	and	CCONJ
emaj-71	46	53	credit	credit	NOUN
emaj-71	46	54	guarantee	guarantee	NOUN
emaj-71	46	55	systems	system	NOUN
emaj-71	46	56	.	.	PUNCT
emaj-71	47	1	however	however	ADV
emaj-71	47	2	,	,	PUNCT
emaj-71	47	3	smes	sme	NOUN
emaj-71	47	4	face	face	VERB
emaj-71	47	5	serious	serious	ADJ
emaj-71	47	6	collateral	collateral	NOUN
emaj-71	47	7	,	,	PUNCT
emaj-71	47	8	credibility	credibility	NOUN
emaj-71	47	9	and	and	CCONJ
emaj-71	47	10	balance	balance	NOUN
emaj-71	47	11	sheet	sheet	NOUN
emaj-71	47	12	problems	problem	NOUN
emaj-71	47	13	which	which	PRON
emaj-71	47	14	prevent	prevent	VERB
emaj-71	47	15	them	they	PRON
emaj-71	47	16	from	from	ADP
emaj-71	47	17	utilizing	utilize	VERB
emaj-71	47	18	the	the	DET
emaj-71	47	19	required	require	VERB
emaj-71	47	20	amounts	amount	NOUN
emaj-71	47	21	of	of	ADP
emaj-71	47	22	bank	bank	NOUN
emaj-71	47	23	loans	loan	NOUN
emaj-71	47	24	,	,	PUNCT
emaj-71	47	25	particularly	particularly	ADV
emaj-71	47	26	when	when	SCONJ
emaj-71	47	27	the	the	DET
emaj-71	47	28	enterprise	enterprise	NOUN
emaj-71	47	29	is	be	AUX
emaj-71	47	30	in	in	ADP
emaj-71	47	31	the	the	DET
emaj-71	47	32	startup	startup	NOUN
emaj-71	47	33	phase	phase	NOUN
emaj-71	47	34	(	(	PUNCT
emaj-71	47	35	uluyol	uluyol	ADJ
emaj-71	47	36	,	,	PUNCT
emaj-71	47	37	2013	2013	NUM
emaj-71	47	38	;	;	PUNCT
emaj-71	47	39	topal	topal	NOUN
emaj-71	47	40	,	,	PUNCT
emaj-71	47	41	et.al	et.al	PROPN
emaj-71	47	42	,	,	PUNCT
emaj-71	47	43	2006	2006	NUM
emaj-71	47	44	;	;	PUNCT
emaj-71	47	45	arslan	arslan	PROPN
emaj-71	47	46	,	,	PUNCT
emaj-71	47	47	2003	2003	NUM
emaj-71	47	48	)	)	PUNCT
emaj-71	47	49	.	.	PUNCT
emaj-71	48	1	challenges	challenge	NOUN
emaj-71	48	2	of	of	ADP
emaj-71	48	3	sme	sme	NOUN
emaj-71	48	4	lending	lending	NOUN
emaj-71	48	5	has	have	AUX
emaj-71	48	6	been	be	AUX
emaj-71	48	7	the	the	DET
emaj-71	48	8	foci	focus	NOUN
emaj-71	48	9	of	of	ADP
emaj-71	48	10	scholarly	scholarly	ADJ
emaj-71	48	11	studies	study	NOUN
emaj-71	48	12	of	of	ADP
emaj-71	48	13	sme	sme	NOUN
emaj-71	48	14	financing	financing	NOUN
emaj-71	48	15	in	in	ADP
emaj-71	48	16	turkey	turkey	PROPN
emaj-71	48	17	(	(	PUNCT
emaj-71	48	18	koyuncugil	koyuncugil	PROPN
emaj-71	48	19	&	&	CCONJ
emaj-71	48	20	özgülbaş	özgülbaş	PROPN
emaj-71	48	21	,	,	PUNCT
emaj-71	48	22	2008	2008	NUM
emaj-71	48	23	;	;	PUNCT
emaj-71	48	24	topal	topal	NOUN
emaj-71	48	25	,	,	PUNCT
emaj-71	48	26	et	et	NOUN
emaj-71	48	27	.	.	PUNCT
emaj-71	49	1	al	al	PROPN
emaj-71	49	2	,	,	PUNCT
emaj-71	49	3	2006	2006	NUM
emaj-71	49	4	;	;	PUNCT
emaj-71	49	5	arslan	arslan	PROPN
emaj-71	49	6	,	,	PUNCT
emaj-71	49	7	2003	2003	NUM
emaj-71	49	8	)	)	PUNCT
emaj-71	49	9	,	,	PUNCT
emaj-71	49	10	to	to	ADP
emaj-71	49	11	date	date	NOUN
emaj-71	49	12	,	,	PUNCT
emaj-71	49	13	leaving	leave	VERB
emaj-71	49	14	the	the	DET
emaj-71	49	15	supply	supply	NOUN
emaj-71	49	16	side	side	NOUN
emaj-71	49	17	of	of	ADP
emaj-71	49	18	sme	sme	NOUN
emaj-71	49	19	banking	banking	NOUN
emaj-71	49	20	largely	largely	ADV
emaj-71	49	21	under	under	ADP
emaj-71	49	22	investigated	investigate	VERB
emaj-71	49	23	.	.	PUNCT
emaj-71	50	1	this	this	DET
emaj-71	50	2	study	study	NOUN
emaj-71	50	3	therefore	therefore	ADV
emaj-71	50	4	aims	aim	VERB
emaj-71	50	5	to	to	PART
emaj-71	50	6	address	address	VERB
emaj-71	50	7	two	two	NUM
emaj-71	50	8	major	major	ADJ
emaj-71	50	9	research	research	NOUN
emaj-71	50	10	questions	question	NOUN
emaj-71	50	11	,	,	PUNCT
emaj-71	50	12	namely	namely	ADV
emaj-71	50	13	“	"	PUNCT
emaj-71	50	14	what	what	PRON
emaj-71	50	15	are	be	AUX
emaj-71	50	16	the	the	DET
emaj-71	50	17	main	main	ADJ
emaj-71	50	18	drivers	driver	NOUN
emaj-71	50	19	behind	behind	ADP
emaj-71	50	20	the	the	DET
emaj-71	50	21	rising	rise	VERB
emaj-71	50	22	importance	importance	NOUN
emaj-71	50	23	of	of	ADP
emaj-71	50	24	cross	cross	ADJ
emaj-71	50	25	-	-	ADJ
emaj-71	50	26	selling	selling	ADJ
emaj-71	50	27	activities	activity	NOUN
emaj-71	50	28	in	in	ADP
emaj-71	50	29	sme	sme	NOUN
emaj-71	50	30	banking	banking	NOUN
emaj-71	50	31	”	"	PUNCT
emaj-71	50	32	and	and	CCONJ
emaj-71	50	33	“	"	PUNCT
emaj-71	50	34	how	how	SCONJ
emaj-71	50	35	are	be	AUX
emaj-71	50	36	cross	cross	ADJ
emaj-71	50	37	-	-	ADJ
emaj-71	50	38	selling	selling	ADJ
emaj-71	50	39	activities	activity	NOUN
emaj-71	50	40	being	be	AUX
emaj-71	50	41	undertaken	undertake	VERB
emaj-71	50	42	in	in	ADP
emaj-71	50	43	turkish	turkish	ADJ
emaj-71	50	44	banking	banking	NOUN
emaj-71	50	45	system	system	NOUN
emaj-71	50	46	?	?	PUNCT
emaj-71	50	47	”	"	PUNCT
emaj-71	50	48	.	.	PUNCT
emaj-71	51	1	as	as	ADP
emaj-71	51	2	lending	lend	VERB
emaj-71	51	3	to	to	ADP
emaj-71	51	4	smes	sme	NOUN
emaj-71	51	5	have	have	AUX
emaj-71	51	6	been	be	AUX
emaj-71	51	7	the	the	DET
emaj-71	51	8	main	main	ADJ
emaj-71	51	9	focus	focus	NOUN
emaj-71	51	10	of	of	ADP
emaj-71	51	11	scholars	scholar	NOUN
emaj-71	51	12	in	in	ADP
emaj-71	51	13	sme	sme	PROPN
emaj-71	51	14	finance	finance	PROPN
emaj-71	51	15	literature	literature	NOUN
emaj-71	51	16	,	,	PUNCT
emaj-71	51	17	current	current	ADJ
emaj-71	51	18	study	study	NOUN
emaj-71	51	19	is	be	AUX
emaj-71	51	20	expected	expect	VERB
emaj-71	51	21	to	to	PART
emaj-71	51	22	highlight	highlight	VERB
emaj-71	51	23	the	the	DET
emaj-71	51	24	importance	importance	NOUN
emaj-71	51	25	of	of	ADP
emaj-71	51	26	the	the	DET
emaj-71	51	27	recent	recent	ADJ
emaj-71	51	28	“	"	PUNCT
emaj-71	51	29	non	non	ADJ
emaj-71	51	30	-	-	ADJ
emaj-71	51	31	lending	lending	ADJ
emaj-71	51	32	in	in	ADP
emaj-71	51	33	sme	sme	NOUN
emaj-71	51	34	volume	volume	NOUN
emaj-71	51	35	5	5	NUM
emaj-71	51	36	no	no	DET
emaj-71	51	37	1	1	NUM
emaj-71	51	38	(	(	PUNCT
emaj-71	51	39	2015	2015	NUM
emaj-71	51	40	)	)	PUNCT
emaj-71	51	41	|	|	ADV
emaj-71	51	42	issn	issn	VERB
emaj-71	51	43	2158	2158	NUM
emaj-71	51	44	-	-	SYM
emaj-71	51	45	8708	8708	NUM
emaj-71	51	46	(	(	PUNCT
emaj-71	51	47	online	online	NOUN
emaj-71	51	48	)	)	PUNCT
emaj-71	51	49	|	|	ADV
emaj-71	51	50	doi	doi	X
emaj-71	51	51	10.5195	10.5195	NUM
emaj-71	51	52	/	/	SYM
emaj-71	51	53	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	51	54	|	|	ADV
emaj-71	51	55	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	51	56	the	the	DET
emaj-71	51	57	role	role	NOUN
emaj-71	51	58	of	of	ADP
emaj-71	51	59	cross	cross	NOUN
emaj-71	51	60	selling	selling	NOUN
emaj-71	51	61	in	in	ADP
emaj-71	51	62	sme	sme	PROPN
emaj-71	51	63	banking	banking	NOUN
emaj-71	51	64	:	:	PUNCT
emaj-71	51	65	an	an	DET
emaj-71	51	66	analysis	analysis	NOUN
emaj-71	51	67	from	from	ADP
emaj-71	51	68	turkey	turkey	NOUN
emaj-71	51	69	page	page	NOUN
emaj-71	51	70	|84|	|84|	NOUN
emaj-71	51	71	emerging	emerge	VERB
emaj-71	51	72	markets	market	NOUN
emaj-71	51	73	journal	journal	NOUN
emaj-71	51	74	banking	banking	NOUN
emaj-71	51	75	”	"	PUNCT
emaj-71	51	76	concept	concept	NOUN
emaj-71	51	77	,	,	PUNCT
emaj-71	51	78	by	by	ADP
emaj-71	51	79	providing	provide	VERB
emaj-71	51	80	theoretical	theoretical	ADJ
emaj-71	51	81	and	and	CCONJ
emaj-71	51	82	empirical	empirical	ADJ
emaj-71	51	83	information	information	NOUN
emaj-71	51	84	on	on	ADP
emaj-71	51	85	business	business	NOUN
emaj-71	51	86	models	model	NOUN
emaj-71	51	87	,	,	PUNCT
emaj-71	51	88	strategies	strategy	NOUN
emaj-71	51	89	and	and	CCONJ
emaj-71	51	90	best	good	ADJ
emaj-71	51	91	practices	practice	NOUN
emaj-71	51	92	about	about	ADP
emaj-71	51	93	the	the	DET
emaj-71	51	94	cross	cross	NOUN
emaj-71	51	95	-	-	ADJ
emaj-71	51	96	selling	selling	NOUN
emaj-71	51	97	of	of	ADP
emaj-71	51	98	financial	financial	ADJ
emaj-71	51	99	products	product	NOUN
emaj-71	51	100	and	and	CCONJ
emaj-71	51	101	services	service	NOUN
emaj-71	51	102	to	to	ADP
emaj-71	51	103	smes	sme	NOUN
emaj-71	51	104	.	.	PUNCT
emaj-71	52	1	cross	cross	PROPN
emaj-71	52	2	selling	selling	NOUN
emaj-71	52	3	in	in	ADP
emaj-71	52	4	sme	sme	PROPN
emaj-71	52	5	banking	banking	PROPN
emaj-71	52	6	the	the	DET
emaj-71	52	7	financial	financial	ADJ
emaj-71	52	8	resource	resource	NOUN
emaj-71	52	9	constrains	constrain	NOUN
emaj-71	52	10	of	of	ADP
emaj-71	52	11	smes	sme	NOUN
emaj-71	52	12	with	with	ADP
emaj-71	52	13	respect	respect	NOUN
emaj-71	52	14	to	to	ADP
emaj-71	52	15	larger	large	ADJ
emaj-71	52	16	corporations	corporation	NOUN
emaj-71	52	17	and	and	CCONJ
emaj-71	52	18	the	the	DET
emaj-71	52	19	role	role	NOUN
emaj-71	52	20	of	of	ADP
emaj-71	52	21	banks	bank	NOUN
emaj-71	52	22	as	as	ADP
emaj-71	52	23	major	major	ADJ
emaj-71	52	24	suppliers	supplier	NOUN
emaj-71	52	25	of	of	ADP
emaj-71	52	26	financial	financial	ADJ
emaj-71	52	27	resources	resource	NOUN
emaj-71	52	28	are	be	AUX
emaj-71	52	29	very	very	ADV
emaj-71	52	30	well	well	ADV
emaj-71	52	31	documented	document	VERB
emaj-71	52	32	in	in	ADP
emaj-71	52	33	the	the	DET
emaj-71	52	34	literature	literature	NOUN
emaj-71	52	35	(	(	PUNCT
emaj-71	52	36	narteh	narteh	NOUN
emaj-71	52	37	;	;	PUNCT
emaj-71	52	38	2013	2013	NUM
emaj-71	52	39	;	;	PUNCT
emaj-71	52	40	abdulsaleh	abdulsaleh	PROPN
emaj-71	52	41	and	and	CCONJ
emaj-71	52	42	worthington	worthington	PROPN
emaj-71	52	43	,	,	PUNCT
emaj-71	52	44	2013	2013	NUM
emaj-71	52	45	;	;	PUNCT
emaj-71	52	46	roman	roman	NOUN
emaj-71	52	47	and	and	CCONJ
emaj-71	52	48	rusu	rusu	NOUN
emaj-71	52	49	;	;	PUNCT
emaj-71	52	50	2012	2012	NUM
emaj-71	52	51	;	;	PUNCT
emaj-71	52	52	rocha	rocha	PROPN
emaj-71	52	53	,	,	PUNCT
emaj-71	52	54	et	et	PROPN
emaj-71	52	55	.	.	PUNCT
emaj-71	53	1	al	al	PROPN
emaj-71	53	2	,	,	PUNCT
emaj-71	53	3	2011	2011	NUM
emaj-71	53	4	;	;	PUNCT
emaj-71	53	5	beck	beck	PROPN
emaj-71	53	6	,	,	PUNCT
emaj-71	53	7	et	et	NOUN
emaj-71	53	8	.	.	PUNCT
emaj-71	54	1	al	al	PROPN
emaj-71	54	2	2008	2008	NUM
emaj-71	54	3	)	)	PUNCT
emaj-71	54	4	.	.	PUNCT
emaj-71	55	1	as	as	SCONJ
emaj-71	55	2	smes	sme	NOUN
emaj-71	55	3	face	face	VERB
emaj-71	55	4	several	several	ADJ
emaj-71	55	5	challenges	challenge	NOUN
emaj-71	55	6	in	in	ADP
emaj-71	55	7	accessing	access	VERB
emaj-71	55	8	financial	financial	ADJ
emaj-71	55	9	resources	resource	NOUN
emaj-71	55	10	which	which	PRON
emaj-71	55	11	are	be	AUX
emaj-71	55	12	required	require	VERB
emaj-71	55	13	for	for	ADP
emaj-71	55	14	their	their	PRON
emaj-71	55	15	survival	survival	NOUN
emaj-71	55	16	and	and	CCONJ
emaj-71	55	17	growth	growth	NOUN
emaj-71	55	18	,	,	PUNCT
emaj-71	55	19	external	external	ADJ
emaj-71	55	20	financing	financing	NOUN
emaj-71	55	21	of	of	ADP
emaj-71	55	22	smes	sme	NOUN
emaj-71	55	23	and	and	CCONJ
emaj-71	55	24	particularly	particularly	ADV
emaj-71	55	25	relationship	relationship	NOUN
emaj-71	55	26	lending	lending	NOUN
emaj-71	55	27	has	have	AUX
emaj-71	55	28	been	be	AUX
emaj-71	55	29	in	in	ADP
emaj-71	55	30	the	the	DET
emaj-71	55	31	centre	centre	NOUN
emaj-71	55	32	of	of	ADP
emaj-71	55	33	scholarly	scholarly	ADJ
emaj-71	55	34	analyzing	analyze	VERB
emaj-71	55	35	various	various	ADJ
emaj-71	55	36	dimensions	dimension	NOUN
emaj-71	55	37	of	of	ADP
emaj-71	55	38	sme	sme	NOUN
emaj-71	55	39	financing	financing	NOUN
emaj-71	55	40	studies	study	NOUN
emaj-71	55	41	(	(	PUNCT
emaj-71	55	42	hernandez	hernandez	PROPN
emaj-71	55	43	-	-	PUNCT
emaj-71	55	44	canovas	canovas	PROPN
emaj-71	55	45	,	,	PUNCT
emaj-71	55	46	et	et	NOUN
emaj-71	55	47	.	.	PUNCT
emaj-71	56	1	al	al	PROPN
emaj-71	56	2	,	,	PUNCT
emaj-71	56	3	2010	2010	NUM
emaj-71	56	4	;	;	PUNCT
emaj-71	56	5	de	de	X
emaj-71	56	6	la	la	X
emaj-71	56	7	torre	torre	PROPN
emaj-71	56	8	,	,	PUNCT
emaj-71	56	9	2010	2010	NUM
emaj-71	56	10	;	;	PUNCT
emaj-71	56	11	beck	beck	PROPN
emaj-71	56	12	,	,	PUNCT
emaj-71	56	13	et	et	PROPN
emaj-71	56	14	.	.	PUNCT
emaj-71	57	1	al	al	PROPN
emaj-71	57	2	,	,	PUNCT
emaj-71	57	3	2006	2006	NUM
emaj-71	57	4	;	;	PUNCT
emaj-71	57	5	berger	berger	PROPN
emaj-71	57	6	and	and	CCONJ
emaj-71	57	7	udell	udell	PROPN
emaj-71	57	8	,	,	PUNCT
emaj-71	57	9	2006	2006	NUM
emaj-71	57	10	;	;	PUNCT
emaj-71	57	11	petersen	petersen	PROPN
emaj-71	57	12	and	and	CCONJ
emaj-71	57	13	rajan	rajan	PROPN
emaj-71	57	14	,	,	PUNCT
emaj-71	57	15	1994	1994	NUM
emaj-71	57	16	)	)	PUNCT
emaj-71	57	17	.	.	PUNCT
emaj-71	58	1	recently	recently	ADV
emaj-71	58	2	,	,	PUNCT
emaj-71	58	3	another	another	DET
emaj-71	58	4	stream	stream	NOUN
emaj-71	58	5	of	of	ADP
emaj-71	58	6	research	research	NOUN
emaj-71	58	7	emerged	emerge	VERB
emaj-71	58	8	,	,	PUNCT
emaj-71	58	9	discussing	discuss	VERB
emaj-71	58	10	the	the	DET
emaj-71	58	11	financing	financing	NOUN
emaj-71	58	12	of	of	ADP
emaj-71	58	13	smes	sme	NOUN
emaj-71	58	14	from	from	ADP
emaj-71	58	15	a	a	DET
emaj-71	58	16	“	"	PUNCT
emaj-71	58	17	beyond	beyond	ADP
emaj-71	58	18	lending	lending	NOUN
emaj-71	58	19	”	"	PUNCT
emaj-71	58	20	perspective	perspective	NOUN
emaj-71	58	21	and	and	CCONJ
emaj-71	58	22	focusing	focus	VERB
emaj-71	58	23	on	on	ADP
emaj-71	58	24	the	the	DET
emaj-71	58	25	rising	rise	VERB
emaj-71	58	26	interest	interest	NOUN
emaj-71	58	27	of	of	ADP
emaj-71	58	28	banks	bank	NOUN
emaj-71	58	29	for	for	ADP
emaj-71	58	30	offering	offer	VERB
emaj-71	58	31	non	non	ADJ
emaj-71	58	32	-	-	ADJ
emaj-71	58	33	credit	credit	ADJ
emaj-71	58	34	financial	financial	ADJ
emaj-71	58	35	services	service	NOUN
emaj-71	58	36	to	to	ADP
emaj-71	58	37	smes	sme	NOUN
emaj-71	58	38	,	,	PUNCT
emaj-71	58	39	which	which	PRON
emaj-71	58	40	they	they	PRON
emaj-71	58	41	see	see	VERB
emaj-71	58	42	as	as	ADP
emaj-71	58	43	“	"	PUNCT
emaj-71	58	44	core	core	NOUN
emaj-71	58	45	and	and	CCONJ
emaj-71	58	46	strategic	strategic	ADJ
emaj-71	58	47	business	business	NOUN
emaj-71	58	48	prospects	prospect	NOUN
emaj-71	58	49	”	"	PUNCT
emaj-71	58	50	(	(	PUNCT
emaj-71	58	51	ifc	ifc	NOUN
emaj-71	58	52	,	,	PUNCT
emaj-71	58	53	2012b	2012b	NUM
emaj-71	58	54	;	;	PUNCT
emaj-71	58	55	rocha	rocha	PROPN
emaj-71	58	56	,	,	PUNCT
emaj-71	58	57	et	et	PROPN
emaj-71	58	58	.	.	PUNCT
emaj-71	59	1	al	al	PROPN
emaj-71	59	2	2011	2011	NUM
emaj-71	59	3	;	;	PUNCT
emaj-71	59	4	de	de	X
emaj-71	59	5	la	la	X
emaj-71	59	6	torre	torre	PROPN
emaj-71	59	7	,	,	PUNCT
emaj-71	59	8	et	et	NOUN
emaj-71	59	9	.	.	PUNCT
emaj-71	60	1	al	al	PROPN
emaj-71	60	2	2010	2010	NUM
emaj-71	60	3	)	)	PUNCT
emaj-71	60	4	.	.	PUNCT
emaj-71	61	1	as	as	ADP
emaj-71	61	2	rocha	rocha	PROPN
emaj-71	61	3	,	,	PUNCT
emaj-71	61	4	et.al	et.al	PROPN
emaj-71	61	5	stated	state	VERB
emaj-71	61	6	“	"	PUNCT
emaj-71	61	7	sme	sme	NOUN
emaj-71	61	8	finance	finance	NOUN
emaj-71	61	9	is	be	AUX
emaj-71	61	10	much	much	ADV
emaj-71	61	11	broader	broad	ADJ
emaj-71	61	12	than	than	ADP
emaj-71	61	13	sme	sme	NOUN
emaj-71	61	14	lending	lending	NOUN
emaj-71	61	15	,	,	PUNCT
emaj-71	61	16	despite	despite	SCONJ
emaj-71	61	17	the	the	DET
emaj-71	61	18	tendency	tendency	NOUN
emaj-71	61	19	in	in	ADP
emaj-71	61	20	literature	literature	NOUN
emaj-71	61	21	to	to	PART
emaj-71	61	22	often	often	ADV
emaj-71	61	23	equate	equate	VERB
emaj-71	61	24	the	the	DET
emaj-71	61	25	two	two	NUM
emaj-71	61	26	”	"	PUNCT
emaj-71	61	27	(	(	PUNCT
emaj-71	61	28	rocha	rocha	PROPN
emaj-71	61	29	,	,	PUNCT
emaj-71	61	30	et.al	et.al	PROPN
emaj-71	61	31	,	,	PUNCT
emaj-71	61	32	2011	2011	NUM
emaj-71	61	33	)	)	PUNCT
emaj-71	61	34	.	.	PUNCT
emaj-71	62	1	the	the	DET
emaj-71	62	2	interviews	interview	NOUN
emaj-71	62	3	conducted	conduct	VERB
emaj-71	62	4	with	with	ADP
emaj-71	62	5	the	the	DET
emaj-71	62	6	bank	bank	NOUN
emaj-71	62	7	managers	manager	NOUN
emaj-71	62	8	in	in	ADP
emaj-71	62	9	central	central	PROPN
emaj-71	62	10	europe	europe	PROPN
emaj-71	62	11	,	,	PUNCT
emaj-71	62	12	south	south	PROPN
emaj-71	62	13	america	america	PROPN
emaj-71	62	14	,	,	PUNCT
emaj-71	62	15	middle	middle	PROPN
emaj-71	62	16	east	east	PROPN
emaj-71	62	17	and	and	CCONJ
emaj-71	62	18	north	north	PROPN
emaj-71	62	19	africa	africa	PROPN
emaj-71	62	20	by	by	ADP
emaj-71	62	21	world	world	PROPN
emaj-71	62	22	bank	bank	PROPN
emaj-71	62	23	and	and	CCONJ
emaj-71	62	24	ifc	ifc	NOUN
emaj-71	62	25	researchers	researcher	NOUN
emaj-71	62	26	show	show	VERB
emaj-71	62	27	that	that	SCONJ
emaj-71	62	28	,	,	PUNCT
emaj-71	62	29	as	as	SCONJ
emaj-71	62	30	the	the	DET
emaj-71	62	31	attractiveness	attractiveness	NOUN
emaj-71	62	32	of	of	ADP
emaj-71	62	33	the	the	DET
emaj-71	62	34	sme	sme	PROPN
emaj-71	62	35	segment	segment	NOUN
emaj-71	62	36	is	be	AUX
emaj-71	62	37	more	more	ADV
emaj-71	62	38	recognized	recognize	VERB
emaj-71	62	39	,	,	PUNCT
emaj-71	62	40	a	a	DET
emaj-71	62	41	variety	variety	NOUN
emaj-71	62	42	of	of	ADP
emaj-71	62	43	services	service	NOUN
emaj-71	62	44	and	and	CCONJ
emaj-71	62	45	financial	financial	ADJ
emaj-71	62	46	products	product	NOUN
emaj-71	62	47	are	be	AUX
emaj-71	62	48	continuously	continuously	ADV
emaj-71	62	49	introduced	introduce	VERB
emaj-71	62	50	targeting	target	VERB
emaj-71	62	51	smes	sme	NOUN
emaj-71	62	52	,	,	PUNCT
emaj-71	62	53	and	and	CCONJ
emaj-71	62	54	the	the	DET
emaj-71	62	55	banks	bank	NOUN
emaj-71	62	56	strategically	strategically	ADV
emaj-71	62	57	aim	aim	VERB
emaj-71	62	58	to	to	PART
emaj-71	62	59	increase	increase	VERB
emaj-71	62	60	their	their	PRON
emaj-71	62	61	existing	exist	VERB
emaj-71	62	62	market	market	NOUN
emaj-71	62	63	share	share	NOUN
emaj-71	62	64	and	and	CCONJ
emaj-71	62	65	outperform	outperform	VERB
emaj-71	62	66	their	their	PRON
emaj-71	62	67	competitors	competitor	NOUN
emaj-71	62	68	in	in	ADP
emaj-71	62	69	sme	sme	NOUN
emaj-71	62	70	banking	banking	NOUN
emaj-71	62	71	(	(	PUNCT
emaj-71	62	72	abdulsaleh	abdulsaleh	ADJ
emaj-71	62	73	,	,	PUNCT
emaj-71	62	74	et	et	PROPN
emaj-71	62	75	al	al	PROPN
emaj-71	62	76	,	,	PUNCT
emaj-71	62	77	2013	2013	NUM
emaj-71	62	78	;	;	PUNCT
emaj-71	62	79	rocha	rocha	PROPN
emaj-71	62	80	,	,	PUNCT
emaj-71	62	81	et.al	et.al	PROPN
emaj-71	62	82	,	,	PUNCT
emaj-71	62	83	2011	2011	NUM
emaj-71	62	84	;	;	PUNCT
emaj-71	62	85	de	de	X
emaj-71	62	86	la	la	X
emaj-71	62	87	torre	torre	PROPN
emaj-71	62	88	,	,	PUNCT
emaj-71	62	89	et	et	PROPN
emaj-71	62	90	.	.	PUNCT
emaj-71	63	1	al	al	PROPN
emaj-71	63	2	2010	2010	NUM
emaj-71	63	3	,	,	PUNCT
emaj-71	63	4	beck	beck	PROPN
emaj-71	63	5	,	,	PUNCT
emaj-71	63	6	et	et	PROPN
emaj-71	63	7	.	.	PUNCT
emaj-71	64	1	al	al	PROPN
emaj-71	64	2	,	,	PUNCT
emaj-71	64	3	2008	2008	NUM
emaj-71	64	4	;	;	PUNCT
emaj-71	64	5	stephanou	stephanou	NOUN
emaj-71	64	6	and	and	CCONJ
emaj-71	64	7	rodriguez	rodriguez	NOUN
emaj-71	64	8	,	,	PUNCT
emaj-71	64	9	2008	2008	NUM
emaj-71	64	10	)	)	PUNCT
emaj-71	64	11	.	.	PUNCT
emaj-71	65	1	in	in	ADP
emaj-71	65	2	the	the	DET
emaj-71	65	3	literature	literature	NOUN
emaj-71	65	4	,	,	PUNCT
emaj-71	65	5	the	the	DET
emaj-71	65	6	main	main	ADJ
emaj-71	65	7	factors	factor	NOUN
emaj-71	65	8	behind	behind	ADP
emaj-71	65	9	this	this	DET
emaj-71	65	10	recent	recent	ADJ
emaj-71	65	11	popularity	popularity	NOUN
emaj-71	65	12	of	of	ADP
emaj-71	65	13	banking	banking	NOUN
emaj-71	65	14	smes	sme	NOUN
emaj-71	65	15	and	and	CCONJ
emaj-71	65	16	particularly	particularly	ADV
emaj-71	65	17	non	non	ADJ
emaj-71	65	18	-	-	ADJ
emaj-71	65	19	lending	lending	ADJ
emaj-71	65	20	banking	banking	NOUN
emaj-71	65	21	product	product	NOUN
emaj-71	65	22	/	/	SYM
emaj-71	65	23	services	service	NOUN
emaj-71	65	24	are	be	AUX
emaj-71	65	25	discussed	discuss	VERB
emaj-71	65	26	from	from	ADP
emaj-71	65	27	various	various	ADJ
emaj-71	65	28	aspects	aspect	NOUN
emaj-71	65	29	.	.	PUNCT
emaj-71	66	1	first	first	ADV
emaj-71	66	2	and	and	CCONJ
emaj-71	66	3	foremost	foremost	ADV
emaj-71	66	4	,	,	PUNCT
emaj-71	66	5	smes	sme	NOUN
emaj-71	66	6	form	form	VERB
emaj-71	66	7	the	the	DET
emaj-71	66	8	majority	majority	NOUN
emaj-71	66	9	of	of	ADP
emaj-71	66	10	firms	firm	NOUN
emaj-71	66	11	in	in	ADP
emaj-71	66	12	every	every	DET
emaj-71	66	13	economy	economy	NOUN
emaj-71	66	14	and	and	CCONJ
emaj-71	66	15	most	most	ADJ
emaj-71	66	16	enterprises	enterprise	NOUN
emaj-71	66	17	are	be	AUX
emaj-71	66	18	smes	sme	NOUN
emaj-71	66	19	(	(	PUNCT
emaj-71	66	20	de	de	X
emaj-71	66	21	la	la	X
emaj-71	66	22	torre	torre	PROPN
emaj-71	66	23	,	,	PUNCT
emaj-71	66	24	et	et	PROPN
emaj-71	66	25	.	.	PUNCT
emaj-71	67	1	al	al	PROPN
emaj-71	67	2	.	.	PROPN
emaj-71	67	3	2010	2010	NUM
emaj-71	67	4	;	;	PUNCT
emaj-71	67	5	hallberg	hallberg	PROPN
emaj-71	67	6	,	,	PUNCT
emaj-71	67	7	2000	2000	NUM
emaj-71	67	8	)	)	PUNCT
emaj-71	67	9	.	.	PUNCT
emaj-71	68	1	secondly	secondly	ADV
emaj-71	68	2	,	,	PUNCT
emaj-71	68	3	the	the	DET
emaj-71	68	4	segment	segment	NOUN
emaj-71	68	5	of	of	ADP
emaj-71	68	6	smes	sme	NOUN
emaj-71	68	7	is	be	AUX
emaj-71	68	8	perceived	perceive	VERB
emaj-71	68	9	as	as	ADP
emaj-71	68	10	“	"	PUNCT
emaj-71	68	11	highly	highly	ADV
emaj-71	68	12	competitive	competitive	ADJ
emaj-71	68	13	”	"	PUNCT
emaj-71	68	14	(	(	PUNCT
emaj-71	68	15	de	de	X
emaj-71	68	16	la	la	X
emaj-71	68	17	torre	torre	PROPN
emaj-71	68	18	,	,	PUNCT
emaj-71	68	19	2010	2010	NUM
emaj-71	68	20	)	)	PUNCT
emaj-71	68	21	but	but	CCONJ
emaj-71	68	22	still	still	ADV
emaj-71	68	23	“	"	PUNCT
emaj-71	68	24	unsaturated	unsaturate	VERB
emaj-71	68	25	”	"	PUNCT
emaj-71	68	26	and	and	CCONJ
emaj-71	68	27	“	"	PUNCT
emaj-71	68	28	promising	promise	VERB
emaj-71	68	29	”	"	PUNCT
emaj-71	68	30	by	by	ADP
emaj-71	68	31	the	the	DET
emaj-71	68	32	banks	bank	NOUN
emaj-71	68	33	in	in	ADP
emaj-71	68	34	most	most	ADV
emaj-71	68	35	developed	developed	ADJ
emaj-71	68	36	and	and	CCONJ
emaj-71	68	37	developing	develop	VERB
emaj-71	68	38	economies	economy	NOUN
emaj-71	68	39	(	(	PUNCT
emaj-71	68	40	beck	beck	NOUN
emaj-71	68	41	,	,	PUNCT
emaj-71	68	42	et	et	PROPN
emaj-71	68	43	al	al	PROPN
emaj-71	68	44	,	,	PUNCT
emaj-71	68	45	2008	2008	NUM
emaj-71	68	46	)	)	PUNCT
emaj-71	68	47	.	.	PUNCT
emaj-71	69	1	there	there	PRON
emaj-71	69	2	is	be	VERB
emaj-71	69	3	a	a	DET
emaj-71	69	4	general	general	ADJ
emaj-71	69	5	perception	perception	NOUN
emaj-71	69	6	that	that	SCONJ
emaj-71	69	7	smes	sme	NOUN
emaj-71	69	8	are	be	AUX
emaj-71	69	9	lacking	lack	VERB
emaj-71	69	10	appropriate	appropriate	ADJ
emaj-71	69	11	financing	financing	NOUN
emaj-71	69	12	and	and	CCONJ
emaj-71	69	13	are	be	AUX
emaj-71	69	14	in	in	ADP
emaj-71	69	15	need	need	NOUN
emaj-71	69	16	of	of	ADP
emaj-71	69	17	external	external	ADJ
emaj-71	69	18	sources	source	NOUN
emaj-71	69	19	of	of	ADP
emaj-71	69	20	funds	fund	NOUN
emaj-71	69	21	provided	provide	VERB
emaj-71	69	22	mainly	mainly	ADV
emaj-71	69	23	by	by	ADP
emaj-71	69	24	the	the	DET
emaj-71	69	25	banking	banking	NOUN
emaj-71	69	26	system	system	NOUN
emaj-71	69	27	,	,	PUNCT
emaj-71	69	28	which	which	PRON
emaj-71	69	29	is	be	AUX
emaj-71	69	30	backed	back	VERB
emaj-71	69	31	up	up	ADP
emaj-71	69	32	by	by	ADP
emaj-71	69	33	several	several	ADJ
emaj-71	69	34	studies	study	NOUN
emaj-71	69	35	indicating	indicate	VERB
emaj-71	69	36	that	that	SCONJ
emaj-71	69	37	the	the	DET
emaj-71	69	38	sme	sme	PROPN
emaj-71	69	39	segment	segment	NOUN
emaj-71	69	40	is	be	AUX
emaj-71	69	41	“	"	PUNCT
emaj-71	69	42	underserved	underserved	ADJ
emaj-71	69	43	”	"	PUNCT
emaj-71	69	44	by	by	ADP
emaj-71	69	45	the	the	DET
emaj-71	69	46	banks	bank	NOUN
emaj-71	69	47	(	(	PUNCT
emaj-71	69	48	ifc	ifc	NOUN
emaj-71	69	49	,	,	PUNCT
emaj-71	69	50	2012	2012	NUM
emaj-71	69	51	)	)	PUNCT
emaj-71	69	52	.	.	PUNCT
emaj-71	70	1	the	the	DET
emaj-71	70	2	estimates	estimate	NOUN
emaj-71	70	3	for	for	ADP
emaj-71	70	4	the	the	DET
emaj-71	70	5	growth	growth	NOUN
emaj-71	70	6	of	of	ADP
emaj-71	70	7	bank	bank	NOUN
emaj-71	70	8	revenues	revenue	NOUN
emaj-71	70	9	from	from	ADP
emaj-71	70	10	smes	sme	NOUN
emaj-71	70	11	in	in	ADP
emaj-71	70	12	emerging	emerge	VERB
emaj-71	70	13	markets	market	NOUN
emaj-71	70	14	is	be	AUX
emaj-71	70	15	calculated	calculate	VERB
emaj-71	70	16	to	to	PART
emaj-71	70	17	be	be	AUX
emaj-71	70	18	around	around	ADP
emaj-71	70	19	usd	usd	NOUN
emaj-71	70	20	367	367	NUM
emaj-71	70	21	billion	billion	NUM
emaj-71	70	22	in	in	ADP
emaj-71	70	23	2015	2015	NUM
emaj-71	70	24	,	,	PUNCT
emaj-71	70	25	from	from	ADP
emaj-71	70	26	a	a	DET
emaj-71	70	27	usd	usd	NOUN
emaj-71	70	28	150	150	NUM
emaj-71	70	29	billion	billion	NUM
emaj-71	70	30	in	in	ADP
emaj-71	70	31	2010	2010	NUM
emaj-71	70	32	(	(	PUNCT
emaj-71	70	33	stein	stein	PROPN
emaj-71	70	34	,	,	PUNCT
emaj-71	70	35	et.al	et.al	PROPN
emaj-71	70	36	.	.	PROPN
emaj-71	70	37	,	,	PUNCT
emaj-71	70	38	2013	2013	NUM
emaj-71	70	39	:	:	PUNCT
emaj-71	70	40	11	11	NUM
emaj-71	70	41	)	)	PUNCT
emaj-71	70	42	.	.	PUNCT
emaj-71	71	1	thus	thus	ADV
emaj-71	71	2	,	,	PUNCT
emaj-71	71	3	motivated	motivate	VERB
emaj-71	71	4	by	by	ADP
emaj-71	71	5	the	the	DET
emaj-71	71	6	low	low	ADJ
emaj-71	71	7	profitability	profitability	NOUN
emaj-71	71	8	of	of	ADP
emaj-71	71	9	“	"	PUNCT
emaj-71	71	10	corporate	corporate	ADJ
emaj-71	71	11	banking	banking	NOUN
emaj-71	71	12	”	"	PUNCT
emaj-71	71	13	segment	segment	NOUN
emaj-71	71	14	and	and	CCONJ
emaj-71	71	15	the	the	DET
emaj-71	71	16	intense	intense	ADJ
emaj-71	71	17	competition	competition	NOUN
emaj-71	71	18	and	and	CCONJ
emaj-71	71	19	a	a	DET
emaj-71	71	20	comparably	comparably	ADV
emaj-71	71	21	more	more	ADV
emaj-71	71	22	saturated	saturated	ADJ
emaj-71	71	23	“	"	PUNCT
emaj-71	71	24	retail	retail	ADJ
emaj-71	71	25	”	"	PUNCT
emaj-71	71	26	market	market	NOUN
emaj-71	71	27	,	,	PUNCT
emaj-71	71	28	sme	sme	ADJ
emaj-71	71	29	customers	customer	NOUN
emaj-71	71	30	are	be	AUX
emaj-71	71	31	now	now	ADV
emaj-71	71	32	viewed	view	VERB
emaj-71	71	33	as	as	ADP
emaj-71	71	34	the	the	DET
emaj-71	71	35	new	new	ADJ
emaj-71	71	36	target	target	NOUN
emaj-71	71	37	customer	customer	NOUN
emaj-71	71	38	segment	segment	NOUN
emaj-71	71	39	by	by	ADP
emaj-71	71	40	a	a	DET
emaj-71	71	41	majority	majority	NOUN
emaj-71	71	42	of	of	ADP
emaj-71	71	43	banks	bank	NOUN
emaj-71	71	44	(	(	PUNCT
emaj-71	71	45	ifc	ifc	NOUN
emaj-71	71	46	,	,	PUNCT
emaj-71	71	47	2012b	2012b	NUM
emaj-71	71	48	;	;	PUNCT
emaj-71	71	49	roman	roman	NOUN
emaj-71	71	50	and	and	CCONJ
emaj-71	71	51	rusu	rusu	NOUN
emaj-71	71	52	,	,	PUNCT
emaj-71	71	53	2012	2012	NUM
emaj-71	71	54	;	;	PUNCT
emaj-71	71	55	de	de	X
emaj-71	71	56	la	la	X
emaj-71	71	57	torre	torre	PROPN
emaj-71	71	58	,	,	PUNCT
emaj-71	71	59	et	et	NOUN
emaj-71	71	60	.	.	PUNCT
emaj-71	72	1	al	al	PROPN
emaj-71	72	2	2010	2010	NUM
emaj-71	72	3	)	)	PUNCT
emaj-71	72	4	.	.	PUNCT
emaj-71	73	1	this	this	DET
emaj-71	73	2	high	high	ADJ
emaj-71	73	3	focus	focus	NOUN
emaj-71	73	4	is	be	AUX
emaj-71	73	5	reflected	reflect	VERB
emaj-71	73	6	in	in	ADP
emaj-71	73	7	a	a	DET
emaj-71	73	8	recent	recent	ADJ
emaj-71	73	9	survey	survey	NOUN
emaj-71	73	10	conducted	conduct	VERB
emaj-71	73	11	by	by	ADP
emaj-71	73	12	the	the	DET
emaj-71	73	13	world	world	PROPN
emaj-71	73	14	bank	bank	PROPN
emaj-71	73	15	with	with	ADP
emaj-71	73	16	banks	bank	NOUN
emaj-71	73	17	from	from	ADP
emaj-71	73	18	both	both	CCONJ
emaj-71	73	19	developing	develop	VERB
emaj-71	73	20	and	and	CCONJ
emaj-71	73	21	developed	developed	ADJ
emaj-71	73	22	economies	economy	NOUN
emaj-71	73	23	,	,	PUNCT
emaj-71	73	24	where	where	SCONJ
emaj-71	73	25	almost	almost	ADV
emaj-71	73	26	all	all	DET
emaj-71	73	27	the	the	DET
emaj-71	73	28	interviewees	interviewee	NOUN
emaj-71	73	29	stated	state	VERB
emaj-71	73	30	ambitious	ambitious	ADJ
emaj-71	73	31	growth	growth	NOUN
emaj-71	73	32	targets	target	NOUN
emaj-71	73	33	,	,	PUNCT
emaj-71	73	34	such	such	ADJ
emaj-71	73	35	as	as	ADP
emaj-71	73	36	doubling	double	VERB
emaj-71	73	37	the	the	DET
emaj-71	73	38	volumes	volume	NOUN
emaj-71	73	39	of	of	ADP
emaj-71	73	40	sme	sme	PROPN
emaj-71	73	41	banking	banking	NOUN
emaj-71	73	42	operations	operation	NOUN
emaj-71	73	43	in	in	ADP
emaj-71	73	44	1	1	NUM
emaj-71	73	45	-	-	SYM
emaj-71	73	46	2	2	NUM
emaj-71	73	47	years	year	NOUN
emaj-71	73	48	(	(	PUNCT
emaj-71	73	49	de	de	X
emaj-71	73	50	la	la	X
emaj-71	73	51	torre	torre	PROPN
emaj-71	73	52	,	,	PUNCT
emaj-71	73	53	2010	2010	NUM
emaj-71	73	54	)	)	PUNCT
emaj-71	73	55	.	.	PUNCT
emaj-71	74	1	besides	besides	SCONJ
emaj-71	74	2	the	the	DET
emaj-71	74	3	potential	potential	NOUN
emaj-71	74	4	for	for	ADP
emaj-71	74	5	gaining	gain	VERB
emaj-71	74	6	new	new	ADJ
emaj-71	74	7	customers	customer	NOUN
emaj-71	74	8	who	who	PRON
emaj-71	74	9	are	be	AUX
emaj-71	74	10	“	"	PUNCT
emaj-71	74	11	in	in	ADP
emaj-71	74	12	need	need	NOUN
emaj-71	74	13	of	of	ADP
emaj-71	74	14	receiving	receive	VERB
emaj-71	74	15	special	special	ADJ
emaj-71	74	16	assistance	assistance	NOUN
emaj-71	74	17	”	"	PUNCT
emaj-71	74	18	,	,	PUNCT
emaj-71	74	19	the	the	DET
emaj-71	74	20	most	most	ADV
emaj-71	74	21	crucial	crucial	ADJ
emaj-71	74	22	motivation	motivation	NOUN
emaj-71	74	23	of	of	ADP
emaj-71	74	24	the	the	DET
emaj-71	74	25	banks	bank	NOUN
emaj-71	74	26	in	in	ADP
emaj-71	74	27	this	this	DET
emaj-71	74	28	shift	shift	NOUN
emaj-71	74	29	of	of	ADP
emaj-71	74	30	interest	interest	NOUN
emaj-71	74	31	is	be	AUX
emaj-71	74	32	the	the	DET
emaj-71	74	33	“	"	PUNCT
emaj-71	74	34	perceived	perceive	VERB
emaj-71	74	35	profitability	profitability	NOUN
emaj-71	74	36	”	"	PUNCT
emaj-71	74	37	of	of	ADP
emaj-71	74	38	this	this	DET
emaj-71	74	39	segment	segment	NOUN
emaj-71	74	40	(	(	PUNCT
emaj-71	74	41	rocha	rocha	PROPN
emaj-71	74	42	,	,	PUNCT
emaj-71	74	43	et.al	et.al	PROPN
emaj-71	74	44	,	,	PUNCT
emaj-71	74	45	2011	2011	NUM
emaj-71	74	46	;	;	PUNCT
emaj-71	74	47	beck	beck	PROPN
emaj-71	74	48	,	,	PUNCT
emaj-71	74	49	et	et	PROPN
emaj-71	74	50	al	al	PROPN
emaj-71	74	51	,	,	PUNCT
emaj-71	74	52	2008	2008	NUM
emaj-71	74	53	;	;	PUNCT
emaj-71	74	54	de	de	X
emaj-71	74	55	la	la	X
emaj-71	74	56	torre	torre	PROPN
emaj-71	74	57	,	,	PUNCT
emaj-71	74	58	et	et	NOUN
emaj-71	74	59	al	al	PROPN
emaj-71	74	60	2010	2010	NUM
emaj-71	74	61	)	)	PUNCT
emaj-71	74	62	.	.	PUNCT
emaj-71	75	1	this	this	DET
emaj-71	75	2	factor	factor	NOUN
emaj-71	75	3	is	be	AUX
emaj-71	75	4	evidenced	evidence	VERB
emaj-71	75	5	by	by	ADP
emaj-71	75	6	the	the	DET
emaj-71	75	7	survey	survey	NOUN
emaj-71	75	8	of	of	ADP
emaj-71	75	9	beck	beck	PROPN
emaj-71	75	10	,	,	PUNCT
emaj-71	75	11	et	et	PROPN
emaj-71	75	12	.	.	PUNCT
emaj-71	76	1	al	al	PROPN
emaj-71	76	2	in	in	ADP
emaj-71	76	3	2008	2008	NUM
emaj-71	76	4	covering	cover	VERB
emaj-71	76	5	91	91	NUM
emaj-71	76	6	banks	bank	NOUN
emaj-71	76	7	in	in	ADP
emaj-71	76	8	45	45	NUM
emaj-71	76	9	countries	country	NOUN
emaj-71	76	10	,	,	PUNCT
emaj-71	76	11	in	in	ADP
emaj-71	76	12	which	which	PRON
emaj-71	76	13	81	81	NUM
emaj-71	76	14	%	%	NOUN
emaj-71	76	15	of	of	ADP
emaj-71	76	16	banks	bank	NOUN
emaj-71	76	17	from	from	ADP
emaj-71	76	18	developed	develop	VERB
emaj-71	76	19	countries	country	NOUN
emaj-71	76	20	and	and	CCONJ
emaj-71	76	21	72	72	NUM
emaj-71	76	22	%	%	NOUN
emaj-71	76	23	of	of	ADP
emaj-71	76	24	banks	bank	NOUN
emaj-71	76	25	from	from	ADP
emaj-71	76	26	developing	develop	VERB
emaj-71	76	27	countries	country	NOUN
emaj-71	76	28	indicated	indicate	VERB
emaj-71	76	29	the	the	DET
emaj-71	76	30	profitability	profitability	NOUN
emaj-71	76	31	impact	impact	NOUN
emaj-71	76	32	as	as	ADP
emaj-71	76	33	“	"	PUNCT
emaj-71	76	34	the	the	DET
emaj-71	76	35	most	most	ADV
emaj-71	76	36	important	important	ADJ
emaj-71	76	37	determinant	determinant	ADJ
emaj-71	76	38	for	for	ADP
emaj-71	76	39	their	their	PRON
emaj-71	76	40	involvement	involvement	NOUN
emaj-71	76	41	”	"	PUNCT
emaj-71	76	42	in	in	ADP
emaj-71	76	43	smes	smes	PROPN
emaj-71	76	44	(	(	PUNCT
emaj-71	76	45	beck	beck	PROPN
emaj-71	76	46	et	et	PROPN
emaj-71	76	47	al	al	PROPN
emaj-71	76	48	,	,	PUNCT
emaj-71	76	49	2008	2008	NUM
emaj-71	76	50	)	)	PUNCT
emaj-71	76	51	.	.	PUNCT
emaj-71	77	1	however	however	ADV
emaj-71	77	2	,	,	PUNCT
emaj-71	77	3	as	as	SCONJ
emaj-71	77	4	every	every	DET
emaj-71	77	5	lending	lending	NOUN
emaj-71	77	6	incurs	incur	VERB
emaj-71	77	7	the	the	DET
emaj-71	77	8	risk	risk	NOUN
emaj-71	77	9	of	of	ADP
emaj-71	77	10	default	default	NOUN
emaj-71	77	11	,	,	PUNCT
emaj-71	77	12	the	the	DET
emaj-71	77	13	expected	expect	VERB
emaj-71	77	14	profits	profit	NOUN
emaj-71	77	15	from	from	ADP
emaj-71	77	16	sme	sme	NOUN
emaj-71	77	17	segment	segment	NOUN
emaj-71	77	18	can	can	AUX
emaj-71	77	19	deteriorate	deteriorate	VERB
emaj-71	77	20	when	when	SCONJ
emaj-71	77	21	sme	sme	ADJ
emaj-71	77	22	loans	loan	NOUN
emaj-71	77	23	are	be	AUX
emaj-71	77	24	not	not	PART
emaj-71	77	25	repaid	repay	VERB
emaj-71	77	26	(	(	PUNCT
emaj-71	77	27	richard	richard	PROPN
emaj-71	77	28	and	and	CCONJ
emaj-71	77	29	mori	mori	PROPN
emaj-71	77	30	,	,	PUNCT
emaj-71	77	31	2012	2012	NUM
emaj-71	77	32	;	;	PUNCT
emaj-71	77	33	obamuyi	obamuyi	NOUN
emaj-71	77	34	,	,	PUNCT
emaj-71	77	35	2007	2007	NUM
emaj-71	77	36	)	)	PUNCT
emaj-71	77	37	.	.	PUNCT
emaj-71	78	1	studies	study	NOUN
emaj-71	78	2	show	show	VERB
emaj-71	78	3	that	that	SCONJ
emaj-71	78	4	,	,	PUNCT
emaj-71	78	5	the	the	DET
emaj-71	78	6	default	default	NOUN
emaj-71	78	7	risk	risk	NOUN
emaj-71	78	8	of	of	ADP
emaj-71	78	9	loans	loan	NOUN
emaj-71	78	10	is	be	AUX
emaj-71	78	11	greater	great	ADJ
emaj-71	78	12	for	for	ADP
emaj-71	78	13	smes	sme	NOUN
emaj-71	78	14	compared	compare	VERB
emaj-71	78	15	to	to	ADP
emaj-71	78	16	larger	large	ADJ
emaj-71	78	17	companies	company	NOUN
emaj-71	78	18	(	(	PUNCT
emaj-71	78	19	beck	beck	PROPN
emaj-71	78	20	,	,	PUNCT
emaj-71	78	21	et	et	PROPN
emaj-71	78	22	.	.	PUNCT
emaj-71	79	1	al	al	PROPN
emaj-71	79	2	,	,	PUNCT
emaj-71	79	3	2008	2008	NUM
emaj-71	79	4	)	)	PUNCT
emaj-71	79	5	.	.	PUNCT
emaj-71	80	1	in	in	ADP
emaj-71	80	2	addition	addition	NOUN
emaj-71	80	3	to	to	ADP
emaj-71	80	4	default	default	NOUN
emaj-71	80	5	risk	risk	NOUN
emaj-71	80	6	,	,	PUNCT
emaj-71	80	7	sme	sme	NOUN
emaj-71	80	8	lending	lending	NOUN
emaj-71	80	9	has	have	VERB
emaj-71	80	10	serious	serious	ADJ
emaj-71	80	11	challenges	challenge	NOUN
emaj-71	80	12	as	as	SCONJ
emaj-71	80	13	most	most	ADJ
emaj-71	80	14	smes	sme	NOUN
emaj-71	80	15	have	have	VERB
emaj-71	80	16	credibility	credibility	NOUN
emaj-71	80	17	and	and	CCONJ
emaj-71	80	18	collateral	collateral	ADJ
emaj-71	80	19	problems	problem	NOUN
emaj-71	80	20	(	(	PUNCT
emaj-71	80	21	oecd	oecd	PROPN
emaj-71	80	22	,	,	PUNCT
emaj-71	80	23	2014	2014	NUM
emaj-71	80	24	;	;	PUNCT
emaj-71	80	25	beck	beck	PROPN
emaj-71	80	26	,	,	PUNCT
emaj-71	80	27	et	et	PROPN
emaj-71	80	28	al	al	PROPN
emaj-71	80	29	,	,	PUNCT
emaj-71	80	30	2008	2008	NUM
emaj-71	80	31	;	;	PUNCT
emaj-71	80	32	topal	topal	NOUN
emaj-71	80	33	,	,	PUNCT
emaj-71	80	34	et.al	et.al	PROPN
emaj-71	80	35	,	,	PUNCT
emaj-71	80	36	2006	2006	NUM
emaj-71	80	37	;	;	PUNCT
emaj-71	80	38	arslan	arslan	PROPN
emaj-71	80	39	,	,	PUNCT
emaj-71	80	40	2003	2003	NUM
emaj-71	80	41	)	)	PUNCT
emaj-71	80	42	as	as	ADV
emaj-71	80	43	well	well	ADV
emaj-71	80	44	as	as	ADP
emaj-71	80	45	informality	informality	NOUN
emaj-71	80	46	and	and	CCONJ
emaj-71	80	47	opaqueness	opaqueness	NOUN
emaj-71	80	48	issues	issue	NOUN
emaj-71	80	49	(	(	PUNCT
emaj-71	80	50	de	de	X
emaj-71	80	51	la	la	X
emaj-71	80	52	torre	torre	PROPN
emaj-71	80	53	,	,	PUNCT
emaj-71	80	54	2010	2010	NUM
emaj-71	80	55	)	)	PUNCT
emaj-71	80	56	.	.	PUNCT
emaj-71	81	1	in	in	ADP
emaj-71	81	2	addition	addition	NOUN
emaj-71	81	3	to	to	ADP
emaj-71	81	4	that	that	PRON
emaj-71	81	5	,	,	PUNCT
emaj-71	81	6	due	due	ADP
emaj-71	81	7	to	to	ADP
emaj-71	81	8	the	the	DET
emaj-71	81	9	recent	recent	ADJ
emaj-71	81	10	crisis	crisis	NOUN
emaj-71	81	11	,	,	PUNCT
emaj-71	81	12	banks	bank	NOUN
emaj-71	81	13	are	be	AUX
emaj-71	81	14	not	not	PART
emaj-71	81	15	as	as	ADV
emaj-71	81	16	willing	willing	ADJ
emaj-71	81	17	as	as	ADP
emaj-71	81	18	the	the	DET
emaj-71	81	19	before	before	ADP
emaj-71	81	20	-	-	PUNCT
emaj-71	81	21	crisis	crisis	NOUN
emaj-71	81	22	period	period	NOUN
emaj-71	81	23	to	to	PART
emaj-71	81	24	lend	lend	VERB
emaj-71	81	25	loans	loan	NOUN
emaj-71	81	26	to	to	ADP
emaj-71	81	27	smes	smes	PROPN
emaj-71	81	28	(	(	PUNCT
emaj-71	81	29	durkin	durkin	PROPN
emaj-71	81	30	,	,	PUNCT
emaj-71	81	31	et.al	et.al	PROPN
emaj-71	81	32	,	,	PUNCT
emaj-71	81	33	2013	2013	NUM
emaj-71	81	34	)	)	PUNCT
emaj-71	81	35	.	.	PUNCT
emaj-71	82	1	combined	combine	VERB
emaj-71	82	2	together	together	ADV
emaj-71	82	3	,	,	PUNCT
emaj-71	82	4	these	these	DET
emaj-71	82	5	factors	factor	NOUN
emaj-71	82	6	cause	cause	VERB
emaj-71	82	7	the	the	DET
emaj-71	82	8	focus	focus	NOUN
emaj-71	82	9	of	of	ADP
emaj-71	82	10	banks	bank	NOUN
emaj-71	82	11	to	to	PART
emaj-71	82	12	be	be	AUX
emaj-71	82	13	directed	direct	VERB
emaj-71	82	14	towards	towards	ADP
emaj-71	82	15	non	non	ADJ
emaj-71	82	16	-	-	ADJ
emaj-71	82	17	lending	lending	ADJ
emaj-71	82	18	products	product	NOUN
emaj-71	82	19	and	and	CCONJ
emaj-71	82	20	services	service	NOUN
emaj-71	82	21	that	that	PRON
emaj-71	82	22	are	be	AUX
emaj-71	82	23	suitable	suitable	ADJ
emaj-71	82	24	for	for	ADP
emaj-71	82	25	the	the	DET
emaj-71	82	26	needs	need	NOUN
emaj-71	82	27	of	of	ADP
emaj-71	82	28	smes	sme	NOUN
emaj-71	82	29	,	,	PUNCT
emaj-71	82	30	which	which	PRON
emaj-71	82	31	is	be	AUX
emaj-71	82	32	considered	consider	VERB
emaj-71	82	33	as	as	ADP
emaj-71	82	34	a	a	DET
emaj-71	82	35	both	both	CCONJ
emaj-71	82	36	easier	easy	ADJ
emaj-71	82	37	and	and	CCONJ
emaj-71	82	38	more	more	ADV
emaj-71	82	39	profitable	profitable	ADJ
emaj-71	82	40	concentration	concentration	NOUN
emaj-71	82	41	area	area	NOUN
emaj-71	82	42	for	for	ADP
emaj-71	82	43	the	the	DET
emaj-71	82	44	banks	bank	NOUN
emaj-71	82	45	,	,	PUNCT
emaj-71	82	46	as	as	SCONJ
emaj-71	82	47	these	these	DET
emaj-71	82	48	services	service	NOUN
emaj-71	82	49	and	and	CCONJ
emaj-71	82	50	products	product	NOUN
emaj-71	82	51	do	do	AUX
emaj-71	82	52	not	not	PART
emaj-71	82	53	require	require	VERB
emaj-71	82	54	complex	complex	ADJ
emaj-71	82	55	scoring	scoring	NOUN
emaj-71	82	56	and	and	CCONJ
emaj-71	82	57	follow	follow	VERB
emaj-71	82	58	-	-	PUNCT
emaj-71	82	59	up	up	ADP
emaj-71	82	60	procedures	procedure	NOUN
emaj-71	82	61	as	as	ADP
emaj-71	82	62	the	the	DET
emaj-71	82	63	loan	loan	NOUN
emaj-71	82	64	transactions	transaction	NOUN
emaj-71	82	65	and	and	CCONJ
emaj-71	82	66	do	do	AUX
emaj-71	82	67	not	not	PART
emaj-71	82	68	carry	carry	VERB
emaj-71	82	69	the	the	DET
emaj-71	82	70	risk	risk	NOUN
emaj-71	82	71	of	of	ADP
emaj-71	82	72	harming	harm	VERB
emaj-71	82	73	the	the	DET
emaj-71	82	74	profitability	profitability	NOUN
emaj-71	82	75	of	of	ADP
emaj-71	82	76	the	the	DET
emaj-71	82	77	banks	bank	NOUN
emaj-71	82	78	’	'	PUNCT
emaj-71	82	79	as	as	SCONJ
emaj-71	82	80	happens	happen	VERB
emaj-71	82	81	in	in	ADP
emaj-71	82	82	case	case	NOUN
emaj-71	82	83	of	of	ADP
emaj-71	82	84	defaulted	defaulted	ADJ
emaj-71	82	85	loans	loan	NOUN
emaj-71	82	86	.	.	PUNCT
emaj-71	83	1	studies	study	NOUN
emaj-71	83	2	show	show	VERB
emaj-71	83	3	that	that	SCONJ
emaj-71	83	4	,	,	PUNCT
emaj-71	83	5	earnings	earning	NOUN
emaj-71	83	6	from	from	ADP
emaj-71	83	7	“	"	PUNCT
emaj-71	83	8	other	other	ADJ
emaj-71	83	9	products	product	NOUN
emaj-71	83	10	and	and	CCONJ
emaj-71	83	11	services	service	NOUN
emaj-71	83	12	”	"	PUNCT
emaj-71	83	13	already	already	ADV
emaj-71	83	14	amount	amount	VERB
emaj-71	83	15	to	to	ADP
emaj-71	83	16	32	32	NUM
emaj-71	83	17	%	%	NOUN
emaj-71	83	18	of	of	ADP
emaj-71	83	19	total	total	ADJ
emaj-71	83	20	revenues	revenue	NOUN
emaj-71	83	21	in	in	ADP
emaj-71	83	22	developed	develop	VERB
emaj-71	83	23	countries	country	NOUN
emaj-71	83	24	,	,	PUNCT
emaj-71	83	25	illustrating	illustrate	VERB
emaj-71	83	26	the	the	DET
emaj-71	83	27	importance	importance	NOUN
emaj-71	83	28	of	of	ADP
emaj-71	83	29	nonvolume	nonvolume	NOUN
emaj-71	83	30	5	5	NUM
emaj-71	83	31	no	no	DET
emaj-71	83	32	1	1	NUM
emaj-71	83	33	(	(	PUNCT
emaj-71	83	34	2015	2015	NUM
emaj-71	83	35	)	)	PUNCT
emaj-71	83	36	|	|	ADV
emaj-71	83	37	issn	issn	VERB
emaj-71	83	38	2158	2158	NUM
emaj-71	83	39	-	-	SYM
emaj-71	83	40	8708	8708	NUM
emaj-71	83	41	(	(	PUNCT
emaj-71	83	42	online	online	NOUN
emaj-71	83	43	)	)	PUNCT
emaj-71	83	44	|	|	ADV
emaj-71	83	45	doi	doi	X
emaj-71	83	46	10.5195	10.5195	NUM
emaj-71	83	47	/	/	SYM
emaj-71	83	48	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	83	49	|	|	ADV
emaj-71	83	50	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	83	51	hande	hande	PROPN
emaj-71	83	52	karadag	karadag	PROPN
emaj-71	83	53	,	,	PUNCT
emaj-71	83	54	vedat	vedat	NOUN
emaj-71	83	55	akman	akman	NOUN
emaj-71	83	56	emerging	emerge	VERB
emaj-71	83	57	markets	market	NOUN
emaj-71	83	58	journal	journal	NOUN
emaj-71	83	59	|	|	ADV
emaj-71	83	60	p	p	NOUN
emaj-71	83	61	a	a	DET
emaj-71	83	62	g	g	NOUN
emaj-71	83	63	e	e	NOUN
emaj-71	83	64	|85	|85	NOUN
emaj-71	83	65	lending	lending	NOUN
emaj-71	83	66	activities	activity	NOUN
emaj-71	83	67	for	for	ADP
emaj-71	83	68	the	the	DET
emaj-71	83	69	banking	banking	NOUN
emaj-71	83	70	system	system	NOUN
emaj-71	83	71	,	,	PUNCT
emaj-71	83	72	and	and	CCONJ
emaj-71	83	73	placing	place	VERB
emaj-71	83	74	cross	cross	NOUN
emaj-71	83	75	-	-	ADJ
emaj-71	83	76	selling	sell	VERB
emaj-71	83	77	“	"	PUNCT
emaj-71	83	78	at	at	ADP
emaj-71	83	79	the	the	DET
emaj-71	83	80	heart	heart	NOUN
emaj-71	83	81	of	of	ADP
emaj-71	83	82	banks	bank	NOUN
emaj-71	83	83	’	’	PART
emaj-71	83	84	business	business	NOUN
emaj-71	83	85	strategy	strategy	NOUN
emaj-71	83	86	”	"	PUNCT
emaj-71	83	87	(	(	PUNCT
emaj-71	83	88	de	de	X
emaj-71	83	89	la	la	X
emaj-71	83	90	torre	torre	PROPN
emaj-71	83	91	,	,	PUNCT
emaj-71	83	92	2010	2010	NUM
emaj-71	83	93	)	)	PUNCT
emaj-71	83	94	.	.	PUNCT
emaj-71	84	1	the	the	DET
emaj-71	84	2	provision	provision	NOUN
emaj-71	84	3	of	of	ADP
emaj-71	84	4	multiple	multiple	ADJ
emaj-71	84	5	non	non	ADJ
emaj-71	84	6	-	-	ADJ
emaj-71	84	7	lending	lending	ADJ
emaj-71	84	8	services	service	NOUN
emaj-71	84	9	and	and	CCONJ
emaj-71	84	10	products	product	NOUN
emaj-71	84	11	to	to	ADP
emaj-71	84	12	smes	sme	NOUN
emaj-71	84	13	not	not	PART
emaj-71	84	14	only	only	ADV
emaj-71	84	15	has	have	VERB
emaj-71	84	16	a	a	DET
emaj-71	84	17	positive	positive	ADJ
emaj-71	84	18	impact	impact	NOUN
emaj-71	84	19	on	on	ADP
emaj-71	84	20	“	"	PUNCT
emaj-71	84	21	return	return	VERB
emaj-71	84	22	on	on	ADP
emaj-71	84	23	limited	limited	ADJ
emaj-71	84	24	capital	capital	NOUN
emaj-71	84	25	”	"	PUNCT
emaj-71	84	26	of	of	ADP
emaj-71	84	27	banks	bank	NOUN
emaj-71	84	28	,	,	PUNCT
emaj-71	84	29	but	but	CCONJ
emaj-71	84	30	it	it	PRON
emaj-71	84	31	also	also	ADV
emaj-71	84	32	makes	make	VERB
emaj-71	84	33	possible	possible	ADJ
emaj-71	84	34	for	for	SCONJ
emaj-71	84	35	the	the	DET
emaj-71	84	36	banks	bank	NOUN
emaj-71	84	37	to	to	PART
emaj-71	84	38	deepen	deepen	VERB
emaj-71	84	39	their	their	PRON
emaj-71	84	40	relationships	relationship	NOUN
emaj-71	84	41	with	with	ADP
emaj-71	84	42	their	their	PRON
emaj-71	84	43	sme	sme	NOUN
emaj-71	84	44	customers	customer	NOUN
emaj-71	84	45	.	.	PUNCT
emaj-71	85	1	research	research	NOUN
emaj-71	85	2	shows	show	VERB
emaj-71	85	3	that	that	SCONJ
emaj-71	85	4	becoming	become	VERB
emaj-71	85	5	the	the	DET
emaj-71	85	6	main	main	ADJ
emaj-71	85	7	bank	bank	NOUN
emaj-71	85	8	of	of	ADP
emaj-71	85	9	a	a	DET
emaj-71	85	10	customer	customer	NOUN
emaj-71	85	11	increases	increase	VERB
emaj-71	85	12	the	the	DET
emaj-71	85	13	profitability	profitability	NOUN
emaj-71	85	14	per	per	ADP
emaj-71	85	15	customer	customer	NOUN
emaj-71	85	16	three	three	NUM
emaj-71	85	17	times	time	NOUN
emaj-71	85	18	more	more	ADJ
emaj-71	85	19	than	than	ADP
emaj-71	85	20	that	that	PRON
emaj-71	85	21	of	of	ADP
emaj-71	85	22	the	the	DET
emaj-71	85	23	non	non	ADJ
emaj-71	85	24	-	-	ADJ
emaj-71	85	25	main	main	ADJ
emaj-71	85	26	bank	bank	NOUN
emaj-71	85	27	customer	customer	NOUN
emaj-71	85	28	segments	segment	NOUN
emaj-71	85	29	(	(	PUNCT
emaj-71	85	30	ifc	ifc	NOUN
emaj-71	85	31	,	,	PUNCT
emaj-71	85	32	2012	2012	NUM
emaj-71	85	33	)	)	PUNCT
emaj-71	85	34	,	,	PUNCT
emaj-71	85	35	which	which	PRON
emaj-71	85	36	can	can	AUX
emaj-71	85	37	only	only	ADV
emaj-71	85	38	be	be	AUX
emaj-71	85	39	attained	attain	VERB
emaj-71	85	40	through	through	ADP
emaj-71	85	41	selling	sell	VERB
emaj-71	85	42	various	various	ADJ
emaj-71	85	43	financial	financial	ADJ
emaj-71	85	44	products	product	NOUN
emaj-71	85	45	to	to	ADP
emaj-71	85	46	the	the	DET
emaj-71	85	47	same	same	ADJ
emaj-71	85	48	client	client	NOUN
emaj-71	85	49	.	.	PUNCT
emaj-71	86	1	in	in	ADP
emaj-71	86	2	addition	addition	NOUN
emaj-71	86	3	to	to	ADP
emaj-71	86	4	that	that	PRON
emaj-71	86	5	,	,	PUNCT
emaj-71	86	6	cross	cross	NOUN
emaj-71	86	7	selling	selling	NOUN
emaj-71	86	8	strengthens	strengthen	VERB
emaj-71	86	9	the	the	DET
emaj-71	86	10	bond	bond	NOUN
emaj-71	86	11	between	between	ADP
emaj-71	86	12	the	the	DET
emaj-71	86	13	bank	bank	NOUN
emaj-71	86	14	and	and	CCONJ
emaj-71	86	15	the	the	DET
emaj-71	86	16	sme	sme	PROPN
emaj-71	86	17	,	,	PUNCT
emaj-71	86	18	which	which	PRON
emaj-71	86	19	in	in	ADP
emaj-71	86	20	turn	turn	NOUN
emaj-71	86	21	increases	increase	VERB
emaj-71	86	22	the	the	DET
emaj-71	86	23	level	level	NOUN
emaj-71	86	24	of	of	ADP
emaj-71	86	25	customer	customer	NOUN
emaj-71	86	26	loyalty	loyalty	NOUN
emaj-71	86	27	and	and	CCONJ
emaj-71	86	28	facilitates	facilitate	VERB
emaj-71	86	29	the	the	DET
emaj-71	86	30	future	future	ADJ
emaj-71	86	31	lending	lending	NOUN
emaj-71	86	32	activities	activity	NOUN
emaj-71	86	33	(	(	PUNCT
emaj-71	86	34	ifc	ifc	NOUN
emaj-71	86	35	,	,	PUNCT
emaj-71	86	36	2012	2012	NUM
emaj-71	86	37	;	;	PUNCT
emaj-71	86	38	de	de	X
emaj-71	86	39	la	la	X
emaj-71	86	40	torre	torre	PROPN
emaj-71	86	41	,	,	PUNCT
emaj-71	86	42	2010	2010	NUM
emaj-71	86	43	)	)	PUNCT
emaj-71	86	44	.	.	PUNCT
emaj-71	87	1	as	as	SCONJ
emaj-71	87	2	stated	state	VERB
emaj-71	87	3	by	by	ADP
emaj-71	87	4	de	de	X
emaj-71	87	5	la	la	X
emaj-71	87	6	torre	torre	PROPN
emaj-71	87	7	,	,	PUNCT
emaj-71	87	8	et	et	PROPN
emaj-71	87	9	.	.	PUNCT
emaj-71	88	1	al	al	PROPN
emaj-71	88	2	(	(	PUNCT
emaj-71	88	3	2010	2010	NUM
emaj-71	88	4	)	)	PUNCT
emaj-71	88	5	another	another	DET
emaj-71	88	6	strategic	strategic	ADJ
emaj-71	88	7	advantage	advantage	NOUN
emaj-71	88	8	of	of	ADP
emaj-71	88	9	cross	cross	NOUN
emaj-71	88	10	selling	selling	NOUN
emaj-71	88	11	from	from	ADP
emaj-71	88	12	the	the	DET
emaj-71	88	13	banks	bank	NOUN
emaj-71	88	14	’	'	PUNCT
emaj-71	88	15	perspective	perspective	NOUN
emaj-71	88	16	is	be	AUX
emaj-71	88	17	enabling	enable	VERB
emaj-71	88	18	banks	bank	NOUN
emaj-71	88	19	’	'	PUNCT
emaj-71	88	20	access	access	NOUN
emaj-71	88	21	to	to	ADP
emaj-71	88	22	sme	sme	NOUN
emaj-71	88	23	employees	employee	NOUN
emaj-71	88	24	and	and	CCONJ
emaj-71	88	25	employees	employee	NOUN
emaj-71	88	26	’	’	PART
emaj-71	88	27	families	family	NOUN
emaj-71	88	28	.	.	PUNCT
emaj-71	89	1	through	through	ADP
emaj-71	89	2	their	their	PRON
emaj-71	89	3	technological	technological	ADJ
emaj-71	89	4	infrastructure	infrastructure	NOUN
emaj-71	89	5	,	,	PUNCT
emaj-71	89	6	banks	bank	NOUN
emaj-71	89	7	are	be	AUX
emaj-71	89	8	able	able	ADJ
emaj-71	89	9	to	to	PART
emaj-71	89	10	design	design	VERB
emaj-71	89	11	payroll	payroll	NOUN
emaj-71	89	12	systems	system	NOUN
emaj-71	89	13	which	which	PRON
emaj-71	89	14	opens	open	VERB
emaj-71	89	15	new	new	ADJ
emaj-71	89	16	and	and	CCONJ
emaj-71	89	17	utterly	utterly	ADV
emaj-71	89	18	useful	useful	ADJ
emaj-71	89	19	channels	channel	NOUN
emaj-71	89	20	for	for	ADP
emaj-71	89	21	gaining	gain	VERB
emaj-71	89	22	retail	retail	ADJ
emaj-71	89	23	customers	customer	NOUN
emaj-71	89	24	and	and	CCONJ
emaj-71	89	25	selling	selling	NOUN
emaj-71	89	26	of	of	ADP
emaj-71	89	27	retail	retail	ADJ
emaj-71	89	28	banking	banking	NOUN
emaj-71	89	29	products	product	NOUN
emaj-71	89	30	(	(	PUNCT
emaj-71	89	31	e.g.	e.g.	ADV
emaj-71	89	32	credit	credit	NOUN
emaj-71	89	33	cards	card	NOUN
emaj-71	89	34	)	)	PUNCT
emaj-71	89	35	to	to	ADP
emaj-71	89	36	these	these	DET
emaj-71	89	37	newly	newly	ADV
emaj-71	89	38	acquired	acquire	VERB
emaj-71	89	39	customers	customer	NOUN
emaj-71	89	40	.	.	PUNCT
emaj-71	90	1	ifc	ifc	PROPN
emaj-71	90	2	reports	report	VERB
emaj-71	90	3	state	state	VERB
emaj-71	90	4	that	that	SCONJ
emaj-71	90	5	,	,	PUNCT
emaj-71	90	6	best	good	ADJ
emaj-71	90	7	practices	practice	NOUN
emaj-71	90	8	of	of	ADP
emaj-71	90	9	cross	cross	NOUN
emaj-71	90	10	selling	selling	NOUN
emaj-71	90	11	in	in	ADP
emaj-71	90	12	sme	sme	NOUN
emaj-71	90	13	banking	banking	NOUN
emaj-71	90	14	has	have	VERB
emaj-71	90	15	eight	eight	NUM
emaj-71	90	16	common	common	ADJ
emaj-71	90	17	characteristics	characteristic	NOUN
emaj-71	90	18	,	,	PUNCT
emaj-71	90	19	as	as	ADP
emaj-71	90	20	:	:	PUNCT
emaj-71	90	21			X
emaj-71	91	1	customer	customer	NOUN
emaj-71	91	2	education	education	NOUN
emaj-71	91	3			NOUN
emaj-71	91	4	product	product	NOUN
emaj-71	91	5	bundling	bundle	VERB
emaj-71	91	6	,	,	PUNCT
emaj-71	91	7			NOUN
emaj-71	91	8	product	product	NOUN
emaj-71	91	9	portfolio	portfolio	NOUN
emaj-71	91	10	management	management	NOUN
emaj-71	91	11	,	,	PUNCT
emaj-71	91	12			DET
emaj-71	91	13	cross	cross	ADJ
emaj-71	91	14	-	-	ADJ
emaj-71	91	15	unit	unit	ADJ
emaj-71	91	16	sales	sale	NOUN
emaj-71	91	17	and	and	CCONJ
emaj-71	91	18	referrals	referral	NOUN
emaj-71	91	19	,	,	PUNCT
emaj-71	91	20			DET
emaj-71	91	21	event	event	NOUN
emaj-71	91	22	-	-	PUNCT
emaj-71	91	23	driven	drive	VERB
emaj-71	91	24	marketing	marketing	NOUN
emaj-71	91	25	,	,	PUNCT
emaj-71	91	26			NOUN
emaj-71	91	27	coverage	coverage	NOUN
emaj-71	91	28	model	model	NOUN
emaj-71	91	29	and	and	CCONJ
emaj-71	91	30	account	account	NOUN
emaj-71	91	31	management	management	NOUN
emaj-71	91	32	,	,	PUNCT
emaj-71	91	33			NOUN
emaj-71	91	34	optimized	optimize	VERB
emaj-71	91	35	pricing	pricing	NOUN
emaj-71	91	36	strategies	strategy	NOUN
emaj-71	91	37	,	,	PUNCT
emaj-71	91	38			NOUN
emaj-71	91	39	loyalty	loyalty	NOUN
emaj-71	91	40	management	management	NOUN
emaj-71	91	41	(	(	PUNCT
emaj-71	91	42	ifc	ifc	NOUN
emaj-71	91	43	,	,	PUNCT
emaj-71	91	44	2012:30	2012:30	NUM
emaj-71	91	45	)	)	PUNCT
emaj-71	91	46	.	.	PUNCT
emaj-71	92	1	through	through	ADP
emaj-71	92	2	educating	educate	VERB
emaj-71	92	3	customers	customer	NOUN
emaj-71	92	4	,	,	PUNCT
emaj-71	92	5	banks	bank	NOUN
emaj-71	92	6	are	be	AUX
emaj-71	92	7	able	able	ADJ
emaj-71	92	8	to	to	PART
emaj-71	92	9	position	position	VERB
emaj-71	92	10	themselves	themselves	PRON
emaj-71	92	11	as	as	ADP
emaj-71	92	12	the	the	DET
emaj-71	92	13	main	main	ADJ
emaj-71	92	14	financial	financial	ADJ
emaj-71	92	15	service	service	NOUN
emaj-71	92	16	providers	provider	NOUN
emaj-71	92	17	of	of	ADP
emaj-71	92	18	their	their	PRON
emaj-71	92	19	customers	customer	NOUN
emaj-71	92	20	,	,	PUNCT
emaj-71	92	21	apart	apart	ADV
emaj-71	92	22	from	from	ADP
emaj-71	92	23	the	the	DET
emaj-71	92	24	increased	increase	VERB
emaj-71	92	25	cross	cross	ADJ
emaj-71	92	26	-	-	ADJ
emaj-71	92	27	selling	selling	ADJ
emaj-71	92	28	opportunities	opportunity	NOUN
emaj-71	92	29	caused	cause	VERB
emaj-71	92	30	by	by	ADP
emaj-71	92	31	the	the	DET
emaj-71	92	32	creation	creation	NOUN
emaj-71	92	33	of	of	ADP
emaj-71	92	34	demand	demand	NOUN
emaj-71	92	35	.	.	PUNCT
emaj-71	93	1	product	product	NOUN
emaj-71	93	2	and	and	CCONJ
emaj-71	93	3	service	service	NOUN
emaj-71	93	4	bundling	bundling	NOUN
emaj-71	93	5	,	,	PUNCT
emaj-71	93	6	which	which	PRON
emaj-71	93	7	can	can	AUX
emaj-71	93	8	be	be	AUX
emaj-71	93	9	described	describe	VERB
emaj-71	93	10	as	as	ADP
emaj-71	93	11	“	"	PUNCT
emaj-71	93	12	a	a	DET
emaj-71	93	13	combination	combination	NOUN
emaj-71	93	14	of	of	ADP
emaj-71	93	15	products	product	NOUN
emaj-71	93	16	and	and	CCONJ
emaj-71	93	17	services	service	NOUN
emaj-71	93	18	are	be	AUX
emaj-71	93	19	offered	offer	VERB
emaj-71	93	20	in	in	ADP
emaj-71	93	21	one	one	NUM
emaj-71	93	22	package	package	NOUN
emaj-71	93	23	,	,	PUNCT
emaj-71	93	24	typically	typically	ADV
emaj-71	93	25	at	at	ADP
emaj-71	93	26	a	a	DET
emaj-71	93	27	discount	discount	NOUN
emaj-71	93	28	with	with	ADP
emaj-71	93	29	respect	respect	NOUN
emaj-71	93	30	to	to	ADP
emaj-71	93	31	the	the	DET
emaj-71	93	32	combined	combine	VERB
emaj-71	93	33	price	price	NOUN
emaj-71	93	34	of	of	ADP
emaj-71	93	35	individual	individual	ADJ
emaj-71	93	36	elements	element	NOUN
emaj-71	93	37	”	"	PUNCT
emaj-71	93	38	is	be	AUX
emaj-71	93	39	another	another	DET
emaj-71	93	40	best	good	ADJ
emaj-71	93	41	practice	practice	NOUN
emaj-71	93	42	in	in	ADP
emaj-71	93	43	sme	sme	PROPN
emaj-71	93	44	banking	banking	PROPN
emaj-71	93	45	cross	cross	NOUN
emaj-71	93	46	selling	sell	VERB
emaj-71	93	47	activities	activity	NOUN
emaj-71	93	48	(	(	PUNCT
emaj-71	93	49	ifc	ifc	NOUN
emaj-71	93	50	,	,	PUNCT
emaj-71	93	51	2012:32	2012:32	NUM
emaj-71	93	52	)	)	PUNCT
emaj-71	93	53	.	.	PUNCT
emaj-71	94	1	while	while	SCONJ
emaj-71	94	2	this	this	DET
emaj-71	94	3	method	method	NOUN
emaj-71	94	4	has	have	VERB
emaj-71	94	5	the	the	DET
emaj-71	94	6	clear	clear	ADJ
emaj-71	94	7	advantage	advantage	NOUN
emaj-71	94	8	of	of	ADP
emaj-71	94	9	“	"	PUNCT
emaj-71	94	10	locking	lock	VERB
emaj-71	94	11	in	in	ADP
emaj-71	94	12	clients	client	NOUN
emaj-71	94	13	”	"	PUNCT
emaj-71	94	14	,	,	PUNCT
emaj-71	94	15	the	the	DET
emaj-71	94	16	pricing	pricing	NOUN
emaj-71	94	17	strategy	strategy	NOUN
emaj-71	94	18	has	have	VERB
emaj-71	94	19	a	a	DET
emaj-71	94	20	crucial	crucial	ADJ
emaj-71	94	21	importance	importance	NOUN
emaj-71	94	22	as	as	SCONJ
emaj-71	94	23	a	a	DET
emaj-71	94	24	mispriced	misprice	VERB
emaj-71	94	25	bundle	bundle	NOUN
emaj-71	94	26	can	can	AUX
emaj-71	94	27	destroy	destroy	VERB
emaj-71	94	28	the	the	DET
emaj-71	94	29	existing	exist	VERB
emaj-71	94	30	profits	profit	NOUN
emaj-71	94	31	of	of	ADP
emaj-71	94	32	the	the	DET
emaj-71	94	33	bank	bank	NOUN
emaj-71	94	34	.	.	PUNCT
emaj-71	95	1	an	an	DET
emaj-71	95	2	efficient	efficient	ADJ
emaj-71	95	3	management	management	NOUN
emaj-71	95	4	of	of	ADP
emaj-71	95	5	the	the	DET
emaj-71	95	6	product	product	NOUN
emaj-71	95	7	/	/	SYM
emaj-71	95	8	service	service	NOUN
emaj-71	95	9	portfolio	portfolio	NOUN
emaj-71	95	10	is	be	AUX
emaj-71	95	11	another	another	DET
emaj-71	95	12	success	success	NOUN
emaj-71	95	13	factor	factor	NOUN
emaj-71	95	14	for	for	ADP
emaj-71	95	15	cross	cross	NOUN
emaj-71	95	16	selling	selling	NOUN
emaj-71	95	17	.	.	PUNCT
emaj-71	96	1	the	the	DET
emaj-71	96	2	number	number	NOUN
emaj-71	96	3	of	of	ADP
emaj-71	96	4	a	a	DET
emaj-71	96	5	typical	typical	ADJ
emaj-71	96	6	portfolio	portfolio	NOUN
emaj-71	96	7	can	can	AUX
emaj-71	96	8	include	include	VERB
emaj-71	96	9	up	up	ADP
emaj-71	96	10	to	to	PART
emaj-71	96	11	60	60	NUM
emaj-71	96	12	different	different	ADJ
emaj-71	96	13	products	product	NOUN
emaj-71	96	14	/	/	SYM
emaj-71	96	15	services	service	NOUN
emaj-71	96	16	,	,	PUNCT
emaj-71	96	17	however	however	ADV
emaj-71	96	18	too	too	ADV
emaj-71	96	19	many	many	ADJ
emaj-71	96	20	products	product	NOUN
emaj-71	96	21	have	have	VERB
emaj-71	96	22	the	the	DET
emaj-71	96	23	risks	risk	NOUN
emaj-71	96	24	of	of	ADP
emaj-71	96	25	being	be	AUX
emaj-71	96	26	unmanageable	unmanageable	ADJ
emaj-71	96	27	by	by	ADP
emaj-71	96	28	the	the	DET
emaj-71	96	29	relationship	relationship	NOUN
emaj-71	96	30	managers	manager	NOUN
emaj-71	96	31	in	in	ADP
emaj-71	96	32	the	the	DET
emaj-71	96	33	branches	branch	NOUN
emaj-71	96	34	and	and	CCONJ
emaj-71	96	35	most	most	ADJ
emaj-71	96	36	of	of	ADP
emaj-71	96	37	these	these	DET
emaj-71	96	38	services	service	NOUN
emaj-71	96	39	/	/	SYM
emaj-71	96	40	products	product	NOUN
emaj-71	96	41	have	have	VERB
emaj-71	96	42	no	no	DET
emaj-71	96	43	marginal	marginal	ADJ
emaj-71	96	44	contribution	contribution	NOUN
emaj-71	96	45	to	to	ADP
emaj-71	96	46	profitability	profitability	NOUN
emaj-71	96	47	.	.	PUNCT
emaj-71	97	1	thus	thus	ADV
emaj-71	97	2	,	,	PUNCT
emaj-71	97	3	the	the	DET
emaj-71	97	4	best	good	ADJ
emaj-71	97	5	practices	practice	NOUN
emaj-71	97	6	in	in	ADP
emaj-71	97	7	cross	cross	NOUN
emaj-71	97	8	-	-	ADJ
emaj-71	97	9	selling	selling	NOUN
emaj-71	97	10	of	of	ADP
emaj-71	97	11	sme	sme	NOUN
emaj-71	97	12	banking	banking	NOUN
emaj-71	97	13	products	product	NOUN
emaj-71	97	14	/	/	SYM
emaj-71	97	15	services	service	NOUN
emaj-71	97	16	are	be	AUX
emaj-71	97	17	found	find	VERB
emaj-71	97	18	to	to	PART
emaj-71	97	19	be	be	AUX
emaj-71	97	20	eliminating	eliminate	VERB
emaj-71	97	21	the	the	DET
emaj-71	97	22	60	60	NUM
emaj-71	97	23	%	%	NOUN
emaj-71	97	24	of	of	ADP
emaj-71	97	25	their	their	PRON
emaj-71	97	26	product	product	NOUN
emaj-71	97	27	/	/	SYM
emaj-71	97	28	service	service	NOUN
emaj-71	97	29	portfolios	portfolio	NOUN
emaj-71	97	30	with	with	ADP
emaj-71	97	31	profit	profit	NOUN
emaj-71	97	32	contributions	contribution	NOUN
emaj-71	97	33	close	close	ADJ
emaj-71	97	34	to	to	ADP
emaj-71	97	35	zero	zero	NUM
emaj-71	97	36	(	(	PUNCT
emaj-71	97	37	ifc	ifc	NOUN
emaj-71	97	38	,	,	PUNCT
emaj-71	97	39	2012:35	2012:35	NUM
emaj-71	97	40	)	)	PUNCT
emaj-71	97	41	.	.	PUNCT
emaj-71	98	1	new	new	ADJ
emaj-71	98	2	business	business	NOUN
emaj-71	98	3	models	model	NOUN
emaj-71	98	4	for	for	ADP
emaj-71	98	5	increased	increase	VERB
emaj-71	98	6	cross	cross	NOUN
emaj-71	98	7	selling	sell	VERB
emaj-71	98	8	segregating	segregate	VERB
emaj-71	98	9	customer	customer	NOUN
emaj-71	98	10	portfolio	portfolio	NOUN
emaj-71	98	11	in	in	ADP
emaj-71	98	12	terms	term	NOUN
emaj-71	98	13	of	of	ADP
emaj-71	98	14	corporate	corporate	ADJ
emaj-71	98	15	,	,	PUNCT
emaj-71	98	16	sme	sme	ADJ
emaj-71	98	17	and	and	CCONJ
emaj-71	98	18	retail	retail	ADJ
emaj-71	98	19	customer	customer	NOUN
emaj-71	98	20	bases	basis	NOUN
emaj-71	98	21	is	be	AUX
emaj-71	98	22	becoming	become	VERB
emaj-71	98	23	a	a	DET
emaj-71	98	24	common	common	ADJ
emaj-71	98	25	practice	practice	NOUN
emaj-71	98	26	both	both	PRON
emaj-71	98	27	in	in	ADP
emaj-71	98	28	developed	developed	ADJ
emaj-71	98	29	and	and	CCONJ
emaj-71	98	30	developing	develop	VERB
emaj-71	98	31	economies	economy	NOUN
emaj-71	98	32	(	(	PUNCT
emaj-71	98	33	ifc	ifc	NOUN
emaj-71	98	34	,	,	PUNCT
emaj-71	98	35	2012b	2012b	NUM
emaj-71	98	36	;	;	PUNCT
emaj-71	98	37	rocha	rocha	PROPN
emaj-71	98	38	,	,	PUNCT
emaj-71	98	39	et.al	et.al	PROPN
emaj-71	98	40	,	,	PUNCT
emaj-71	98	41	2011	2011	NUM
emaj-71	98	42	;	;	PUNCT
emaj-71	98	43	de	de	X
emaj-71	98	44	la	la	X
emaj-71	98	45	torre	torre	PROPN
emaj-71	98	46	,	,	PUNCT
emaj-71	98	47	2010	2010	NUM
emaj-71	98	48	;	;	PUNCT
emaj-71	98	49	beck	beck	PROPN
emaj-71	98	50	,	,	PUNCT
emaj-71	98	51	et	et	PROPN
emaj-71	98	52	,	,	PUNCT
emaj-71	98	53	al	al	PROPN
emaj-71	98	54	,	,	PUNCT
emaj-71	98	55	2008	2008	NUM
emaj-71	98	56	)	)	PUNCT
emaj-71	98	57	.	.	PUNCT
emaj-71	99	1	this	this	DET
emaj-71	99	2	“	"	PUNCT
emaj-71	99	3	decentralization	decentralization	NOUN
emaj-71	99	4	of	of	ADP
emaj-71	99	5	the	the	DET
emaj-71	99	6	sales	sale	NOUN
emaj-71	99	7	function	function	NOUN
emaj-71	99	8	”	"	PUNCT
emaj-71	99	9	model	model	NOUN
emaj-71	99	10	basically	basically	ADV
emaj-71	99	11	involves	involve	VERB
emaj-71	99	12	employing	employ	VERB
emaj-71	99	13	specialized	specialized	ADJ
emaj-71	99	14	sme	sme	PROPN
emaj-71	99	15	relationship	relationship	NOUN
emaj-71	99	16	managers	manager	NOUN
emaj-71	99	17	in	in	ADP
emaj-71	99	18	branches	branch	NOUN
emaj-71	99	19	,	,	PUNCT
emaj-71	99	20	therefore	therefore	ADV
emaj-71	99	21	using	use	VERB
emaj-71	99	22	the	the	DET
emaj-71	99	23	branch	branch	NOUN
emaj-71	99	24	network	network	NOUN
emaj-71	99	25	as	as	ADP
emaj-71	99	26	distribution	distribution	NOUN
emaj-71	99	27	channels	channel	NOUN
emaj-71	99	28	for	for	ADP
emaj-71	99	29	selling	selling	NOUN
emaj-71	99	30	of	of	ADP
emaj-71	99	31	financial	financial	ADJ
emaj-71	99	32	products	product	NOUN
emaj-71	99	33	and	and	CCONJ
emaj-71	99	34	services	service	NOUN
emaj-71	99	35	designed	design	VERB
emaj-71	99	36	for	for	ADP
emaj-71	99	37	smes	sme	NOUN
emaj-71	99	38	(	(	PUNCT
emaj-71	99	39	ifc,2012b	ifc,2012b	NOUN
emaj-71	99	40	;	;	PUNCT
emaj-71	99	41	rocha	rocha	PROPN
emaj-71	99	42	,	,	PUNCT
emaj-71	99	43	et.al	et.al	PROPN
emaj-71	99	44	,	,	PUNCT
emaj-71	99	45	2011	2011	NUM
emaj-71	99	46	,	,	PUNCT
emaj-71	99	47	de	de	X
emaj-71	99	48	la	la	X
emaj-71	99	49	torre	torre	PROPN
emaj-71	99	50	,	,	PUNCT
emaj-71	99	51	2010	2010	NUM
emaj-71	99	52	)	)	PUNCT
emaj-71	99	53	.	.	PUNCT
emaj-71	100	1	in	in	ADP
emaj-71	100	2	sme	sme	PROPN
emaj-71	100	3	banking	banking	NOUN
emaj-71	100	4	,	,	PUNCT
emaj-71	100	5	large	large	ADJ
emaj-71	100	6	banks	bank	NOUN
emaj-71	100	7	have	have	VERB
emaj-71	100	8	several	several	ADJ
emaj-71	100	9	advantages	advantage	NOUN
emaj-71	100	10	in	in	ADP
emaj-71	100	11	using	use	VERB
emaj-71	100	12	sophisticated	sophisticated	ADJ
emaj-71	100	13	business	business	NOUN
emaj-71	100	14	models	model	NOUN
emaj-71	100	15	for	for	ADP
emaj-71	100	16	rendering	render	VERB
emaj-71	100	17	new	new	ADJ
emaj-71	100	18	products	product	NOUN
emaj-71	100	19	/	/	SYM
emaj-71	100	20	services	service	NOUN
emaj-71	100	21	to	to	ADP
emaj-71	100	22	smes	sme	NOUN
emaj-71	100	23	,	,	PUNCT
emaj-71	100	24	having	have	VERB
emaj-71	100	25	more	more	ADV
emaj-71	100	26	advanced	advanced	ADJ
emaj-71	100	27	it	it	PRON
emaj-71	100	28	systems	system	NOUN
emaj-71	100	29	,	,	PUNCT
emaj-71	100	30	technical	technical	ADJ
emaj-71	100	31	know	know	NOUN
emaj-71	100	32	-	-	PUNCT
emaj-71	100	33	how	how	NOUN
emaj-71	100	34	and	and	CCONJ
emaj-71	100	35	diverse	diverse	ADJ
emaj-71	100	36	service	service	NOUN
emaj-71	100	37	platforms	platform	NOUN
emaj-71	100	38	,	,	PUNCT
emaj-71	100	39	with	with	ADP
emaj-71	100	40	respect	respect	NOUN
emaj-71	100	41	to	to	ADP
emaj-71	100	42	their	their	PRON
emaj-71	100	43	smaller	small	ADJ
emaj-71	100	44	competitors	competitor	NOUN
emaj-71	100	45	(	(	PUNCT
emaj-71	100	46	de	de	X
emaj-71	100	47	la	la	X
emaj-71	100	48	torre	torre	PROPN
emaj-71	100	49	,	,	PUNCT
emaj-71	100	50	2010	2010	NUM
emaj-71	100	51	)	)	PUNCT
emaj-71	100	52	.	.	PUNCT
emaj-71	101	1	additionally	additionally	ADV
emaj-71	101	2	,	,	PUNCT
emaj-71	101	3	large	large	ADJ
emaj-71	101	4	banks	bank	NOUN
emaj-71	101	5	are	be	AUX
emaj-71	101	6	able	able	ADJ
emaj-71	101	7	to	to	PART
emaj-71	101	8	connect	connect	VERB
emaj-71	101	9	their	their	PRON
emaj-71	101	10	sme	sme	NOUN
emaj-71	101	11	customers	customer	NOUN
emaj-71	101	12	with	with	ADP
emaj-71	101	13	corporate	corporate	ADJ
emaj-71	101	14	and	and	CCONJ
emaj-71	101	15	upper	upper	ADJ
emaj-71	101	16	-	-	PUNCT
emaj-71	101	17	mass	mass	NOUN
emaj-71	101	18	segments	segment	NOUN
emaj-71	101	19	,	,	PUNCT
emaj-71	101	20	or	or	CCONJ
emaj-71	101	21	even	even	ADV
emaj-71	101	22	gain	gain	VERB
emaj-71	101	23	new	new	ADJ
emaj-71	101	24	smes	sme	NOUN
emaj-71	101	25	through	through	ADP
emaj-71	101	26	their	their	PRON
emaj-71	101	27	interrelationships	interrelationship	NOUN
emaj-71	101	28	.	.	PUNCT
emaj-71	102	1	for	for	ADP
emaj-71	102	2	example	example	NOUN
emaj-71	102	3	,	,	PUNCT
emaj-71	102	4	with	with	ADP
emaj-71	102	5	the	the	DET
emaj-71	102	6	information	information	NOUN
emaj-71	102	7	provided	provide	VERB
emaj-71	102	8	by	by	ADP
emaj-71	102	9	their	their	PRON
emaj-71	102	10	corporate	corporate	ADJ
emaj-71	102	11	customers	customer	NOUN
emaj-71	102	12	,	,	PUNCT
emaj-71	102	13	banks	bank	NOUN
emaj-71	102	14	can	can	AUX
emaj-71	102	15	set	set	VERB
emaj-71	102	16	up	up	ADP
emaj-71	102	17	it	it	PRON
emaj-71	102	18	based	base	VERB
emaj-71	102	19	systems	system	NOUN
emaj-71	102	20	for	for	ADP
emaj-71	102	21	linking	link	VERB
emaj-71	102	22	the	the	DET
emaj-71	102	23	accounts	account	NOUN
emaj-71	102	24	of	of	ADP
emaj-71	102	25	their	their	PRON
emaj-71	102	26	corporate	corporate	ADJ
emaj-71	102	27	and	and	CCONJ
emaj-71	102	28	retail	retail	ADJ
emaj-71	102	29	banking	banking	NOUN
emaj-71	102	30	customers	customer	NOUN
emaj-71	102	31	to	to	ADP
emaj-71	102	32	smes	sme	NOUN
emaj-71	102	33	,	,	PUNCT
emaj-71	102	34	such	such	ADJ
emaj-71	102	35	as	as	ADP
emaj-71	102	36	automatic	automatic	ADJ
emaj-71	102	37	payment	payment	NOUN
emaj-71	102	38	systems	system	NOUN
emaj-71	102	39	for	for	ADP
emaj-71	102	40	the	the	DET
emaj-71	102	41	energy	energy	NOUN
emaj-71	102	42	expenses	expense	NOUN
emaj-71	102	43	of	of	ADP
emaj-71	102	44	smes	sme	NOUN
emaj-71	102	45	,	,	PUNCT
emaj-71	102	46	which	which	PRON
emaj-71	102	47	facilitates	facilitate	VERB
emaj-71	102	48	smes	sme	NOUN
emaj-71	102	49	’	'	PUNCT
emaj-71	102	50	payments	payment	NOUN
emaj-71	102	51	to	to	ADP
emaj-71	102	52	their	their	PRON
emaj-71	102	53	suppliers	supplier	NOUN
emaj-71	102	54	and	and	CCONJ
emaj-71	102	55	enables	enable	VERB
emaj-71	102	56	the	the	DET
emaj-71	102	57	banks	bank	NOUN
emaj-71	102	58	to	to	PART
emaj-71	102	59	reach	reach	VERB
emaj-71	102	60	a	a	DET
emaj-71	102	61	large	large	ADJ
emaj-71	102	62	number	number	NOUN
emaj-71	102	63	of	of	ADP
emaj-71	102	64	new	new	ADJ
emaj-71	102	65	smes	sme	NOUN
emaj-71	102	66	.	.	PUNCT
emaj-71	103	1	like	like	ADP
emaj-71	103	2	this	this	DET
emaj-71	103	3	case	case	NOUN
emaj-71	103	4	of	of	ADP
emaj-71	103	5	payment	payment	NOUN
emaj-71	103	6	/	/	SYM
emaj-71	103	7	collections	collection	NOUN
emaj-71	103	8	systems	system	NOUN
emaj-71	103	9	,	,	PUNCT
emaj-71	103	10	much	much	ADJ
emaj-71	103	11	of	of	ADP
emaj-71	103	12	these	these	DET
emaj-71	103	13	advanced	advanced	ADJ
emaj-71	103	14	business	business	NOUN
emaj-71	103	15	models	model	NOUN
emaj-71	103	16	are	be	AUX
emaj-71	103	17	planned	plan	VERB
emaj-71	103	18	for	for	ADP
emaj-71	103	19	meeting	meet	VERB
emaj-71	103	20	the	the	DET
emaj-71	103	21	demands	demand	NOUN
emaj-71	103	22	of	of	ADP
emaj-71	103	23	smes	sme	NOUN
emaj-71	103	24	,	,	PUNCT
emaj-71	103	25	who	who	PRON
emaj-71	103	26	lack	lack	VERB
emaj-71	103	27	the	the	DET
emaj-71	103	28	facilities	facility	NOUN
emaj-71	103	29	to	to	PART
emaj-71	103	30	efficiently	efficiently	ADV
emaj-71	103	31	manage	manage	VERB
emaj-71	103	32	and	and	CCONJ
emaj-71	103	33	follow	follow	VERB
emaj-71	103	34	-	-	PUNCT
emaj-71	103	35	up	up	ADP
emaj-71	103	36	specific	specific	ADJ
emaj-71	103	37	financial	financial	ADJ
emaj-71	103	38	transactions	transaction	NOUN
emaj-71	103	39	,	,	PUNCT
emaj-71	103	40	such	such	ADJ
emaj-71	103	41	as	as	ADP
emaj-71	103	42	payment	payment	NOUN
emaj-71	103	43	of	of	ADP
emaj-71	103	44	wages	wage	NOUN
emaj-71	103	45	or	or	CCONJ
emaj-71	103	46	foreign	foreign	ADJ
emaj-71	103	47	trade	trade	NOUN
emaj-71	103	48	activities	activity	NOUN
emaj-71	103	49	.	.	PUNCT
emaj-71	104	1	thus	thus	ADV
emaj-71	104	2	,	,	PUNCT
emaj-71	104	3	banks	bank	NOUN
emaj-71	104	4	highly	highly	ADV
emaj-71	104	5	utilize	utilize	VERB
emaj-71	104	6	these	these	DET
emaj-71	104	7	activities	activity	NOUN
emaj-71	104	8	outsourced	outsource	VERB
emaj-71	104	9	to	to	ADP
emaj-71	104	10	them	they	PRON
emaj-71	104	11	by	by	ADP
emaj-71	104	12	the	the	DET
emaj-71	104	13	smes	sme	NOUN
emaj-71	104	14	and	and	CCONJ
emaj-71	104	15	increase	increase	VERB
emaj-71	104	16	the	the	DET
emaj-71	104	17	cross	cross	NOUN
emaj-71	104	18	selling	selling	NOUN
emaj-71	104	19	of	of	ADP
emaj-71	104	20	their	their	PRON
emaj-71	104	21	various	various	ADJ
emaj-71	104	22	feebased	feebase	VERB
emaj-71	104	23	services	service	NOUN
emaj-71	104	24	and	and	CCONJ
emaj-71	104	25	products	product	NOUN
emaj-71	104	26	.	.	PUNCT
emaj-71	105	1	as	as	SCONJ
emaj-71	105	2	the	the	DET
emaj-71	105	3	requirements	requirement	NOUN
emaj-71	105	4	for	for	ADP
emaj-71	105	5	customization	customization	NOUN
emaj-71	105	6	of	of	ADP
emaj-71	105	7	these	these	DET
emaj-71	105	8	products	product	NOUN
emaj-71	105	9	and	and	CCONJ
emaj-71	105	10	services	service	NOUN
emaj-71	105	11	for	for	ADP
emaj-71	105	12	smes	sme	NOUN
emaj-71	105	13	is	be	AUX
emaj-71	105	14	low	low	ADJ
emaj-71	105	15	,	,	PUNCT
emaj-71	105	16	they	they	PRON
emaj-71	105	17	can	can	AUX
emaj-71	105	18	be	be	AUX
emaj-71	105	19	sold	sell	VERB
emaj-71	105	20	to	to	ADP
emaj-71	105	21	every	every	DET
emaj-71	105	22	sme	sme	NOUN
emaj-71	105	23	customer	customer	NOUN
emaj-71	105	24	as	as	ADP
emaj-71	105	25	mass	mass	ADJ
emaj-71	105	26	products	product	NOUN
emaj-71	105	27	in	in	ADP
emaj-71	105	28	the	the	DET
emaj-71	105	29	branches	branch	NOUN
emaj-71	105	30	,	,	PUNCT
emaj-71	105	31	which	which	PRON
emaj-71	105	32	is	be	AUX
emaj-71	105	33	a	a	DET
emaj-71	105	34	highly	highly	ADV
emaj-71	105	35	profitable	profitable	ADJ
emaj-71	105	36	and	and	CCONJ
emaj-71	105	37	a	a	DET
emaj-71	105	38	volume	volume	NOUN
emaj-71	105	39	5	5	NUM
emaj-71	105	40	no	no	DET
emaj-71	105	41	1	1	NUM
emaj-71	105	42	(	(	PUNCT
emaj-71	105	43	2015	2015	NUM
emaj-71	105	44	)	)	PUNCT
emaj-71	105	45	|	|	ADV
emaj-71	105	46	issn	issn	VERB
emaj-71	105	47	2158	2158	NUM
emaj-71	105	48	-	-	SYM
emaj-71	105	49	8708	8708	NUM
emaj-71	105	50	(	(	PUNCT
emaj-71	105	51	online	online	NOUN
emaj-71	105	52	)	)	PUNCT
emaj-71	105	53	|	|	ADV
emaj-71	105	54	doi	doi	X
emaj-71	105	55	10.5195	10.5195	NUM
emaj-71	105	56	/	/	SYM
emaj-71	105	57	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	105	58	|	|	ADV
emaj-71	105	59	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	105	60	the	the	DET
emaj-71	105	61	role	role	NOUN
emaj-71	105	62	of	of	ADP
emaj-71	105	63	cross	cross	NOUN
emaj-71	105	64	selling	selling	NOUN
emaj-71	105	65	in	in	ADP
emaj-71	105	66	sme	sme	PROPN
emaj-71	105	67	banking	banking	NOUN
emaj-71	105	68	:	:	PUNCT
emaj-71	105	69	an	an	DET
emaj-71	105	70	analysis	analysis	NOUN
emaj-71	105	71	from	from	ADP
emaj-71	105	72	turkey	turkey	NOUN
emaj-71	105	73	page	page	NOUN
emaj-71	105	74	|86|	|86|	NOUN
emaj-71	105	75	emerging	emerge	VERB
emaj-71	105	76	markets	market	NOUN
emaj-71	105	77	journal	journal	NOUN
emaj-71	105	78	risk	risk	NOUN
emaj-71	105	79	-	-	PUNCT
emaj-71	105	80	adverse	adverse	ADJ
emaj-71	105	81	way	way	NOUN
emaj-71	105	82	of	of	ADP
emaj-71	105	83	rendering	render	VERB
emaj-71	105	84	financial	financial	ADJ
emaj-71	105	85	services	service	NOUN
emaj-71	105	86	,	,	PUNCT
emaj-71	105	87	while	while	SCONJ
emaj-71	105	88	the	the	DET
emaj-71	105	89	smes	sme	NOUN
emaj-71	105	90	perceive	perceive	VERB
emaj-71	105	91	these	these	DET
emaj-71	105	92	products	product	NOUN
emaj-71	105	93	/	/	SYM
emaj-71	105	94	services	service	NOUN
emaj-71	105	95	as	as	SCONJ
emaj-71	105	96	tailored	tailor	VERB
emaj-71	105	97	according	accord	VERB
emaj-71	105	98	to	to	ADP
emaj-71	105	99	their	their	PRON
emaj-71	105	100	specific	specific	ADJ
emaj-71	105	101	needs	need	NOUN
emaj-71	105	102	.	.	PUNCT
emaj-71	106	1	technological	technological	ADJ
emaj-71	106	2	improvements	improvement	NOUN
emaj-71	106	3	such	such	ADJ
emaj-71	106	4	as	as	ADP
emaj-71	106	5	online	online	ADJ
emaj-71	106	6	banking	banking	NOUN
emaj-71	106	7	also	also	ADV
emaj-71	106	8	help	help	VERB
emaj-71	106	9	fasten	fasten	VERB
emaj-71	106	10	the	the	DET
emaj-71	106	11	cross	cross	NOUN
emaj-71	106	12	selling	selling	NOUN
emaj-71	106	13	processes	process	NOUN
emaj-71	106	14	to	to	ADP
emaj-71	106	15	smes	sme	NOUN
emaj-71	106	16	,	,	PUNCT
emaj-71	106	17	as	as	ADV
emaj-71	106	18	well	well	ADV
emaj-71	106	19	as	as	ADP
emaj-71	106	20	enabling	enable	VERB
emaj-71	106	21	the	the	DET
emaj-71	106	22	introduction	introduction	NOUN
emaj-71	106	23	of	of	ADP
emaj-71	106	24	new	new	ADJ
emaj-71	106	25	products	product	NOUN
emaj-71	106	26	and	and	CCONJ
emaj-71	106	27	services	service	NOUN
emaj-71	106	28	.	.	PUNCT
emaj-71	107	1	typically	typically	ADV
emaj-71	107	2	,	,	PUNCT
emaj-71	107	3	the	the	DET
emaj-71	107	4	design	design	NOUN
emaj-71	107	5	and	and	CCONJ
emaj-71	107	6	strategic	strategic	ADJ
emaj-71	107	7	management	management	NOUN
emaj-71	107	8	of	of	ADP
emaj-71	107	9	cross	cross	NOUN
emaj-71	107	10	selling	selling	NOUN
emaj-71	107	11	of	of	ADP
emaj-71	107	12	the	the	DET
emaj-71	107	13	the	the	DET
emaj-71	107	14	wide	wide	ADJ
emaj-71	107	15	array	array	NOUN
emaj-71	107	16	of	of	ADP
emaj-71	107	17	services	service	NOUN
emaj-71	107	18	and	and	CCONJ
emaj-71	107	19	products	product	NOUN
emaj-71	107	20	are	be	AUX
emaj-71	107	21	carried	carry	VERB
emaj-71	107	22	out	out	ADP
emaj-71	107	23	by	by	ADP
emaj-71	107	24	the	the	DET
emaj-71	107	25	headquarters	headquarters	NOUN
emaj-71	107	26	,	,	PUNCT
emaj-71	107	27	and	and	CCONJ
emaj-71	107	28	through	through	ADP
emaj-71	107	29	their	their	PRON
emaj-71	107	30	branch	branch	NOUN
emaj-71	107	31	networks	network	NOUN
emaj-71	107	32	and	and	CCONJ
emaj-71	107	33	specialized	specialized	ADJ
emaj-71	107	34	sme	sme	PROPN
emaj-71	107	35	personnel	personnel	NOUN
emaj-71	107	36	,	,	PUNCT
emaj-71	107	37	these	these	PRON
emaj-71	107	38	are	be	AUX
emaj-71	107	39	offered	offer	VERB
emaj-71	107	40	to	to	ADP
emaj-71	107	41	smes	sme	NOUN
emaj-71	107	42	,	,	PUNCT
emaj-71	107	43	with	with	ADP
emaj-71	107	44	the	the	DET
emaj-71	107	45	end	end	NOUN
emaj-71	107	46	goal	goal	NOUN
emaj-71	107	47	of	of	ADP
emaj-71	107	48	increasing	increase	VERB
emaj-71	107	49	the	the	DET
emaj-71	107	50	number	number	NOUN
emaj-71	107	51	of	of	ADP
emaj-71	107	52	products	product	NOUN
emaj-71	107	53	/	/	SYM
emaj-71	107	54	serviced	service	VERB
emaj-71	107	55	used	use	VERB
emaj-71	107	56	per	per	ADP
emaj-71	107	57	an	an	DET
emaj-71	107	58	sme	sme	NOUN
emaj-71	107	59	.	.	PUNCT
emaj-71	108	1	the	the	DET
emaj-71	108	2	number	number	NOUN
emaj-71	108	3	of	of	ADP
emaj-71	108	4	products	product	NOUN
emaj-71	108	5	/	/	SYM
emaj-71	108	6	services	service	NOUN
emaj-71	108	7	used	use	VERB
emaj-71	108	8	by	by	ADP
emaj-71	108	9	an	an	DET
emaj-71	108	10	sme	sme	NOUN
emaj-71	108	11	is	be	AUX
emaj-71	108	12	a	a	DET
emaj-71	108	13	common	common	ADJ
emaj-71	108	14	measure	measure	NOUN
emaj-71	108	15	for	for	ADP
emaj-71	108	16	improving	improve	VERB
emaj-71	108	17	the	the	DET
emaj-71	108	18	profitability	profitability	NOUN
emaj-71	108	19	of	of	ADP
emaj-71	108	20	sme	sme	ADJ
emaj-71	108	21	segment	segment	NOUN
emaj-71	108	22	in	in	ADP
emaj-71	108	23	banks	bank	NOUN
emaj-71	108	24	,	,	PUNCT
emaj-71	108	25	and	and	CCONJ
emaj-71	108	26	a	a	DET
emaj-71	108	27	minimum	minimum	NOUN
emaj-71	108	28	of	of	ADP
emaj-71	108	29	5	5	NUM
emaj-71	108	30	products	product	NOUN
emaj-71	108	31	/	/	SYM
emaj-71	108	32	services	service	NOUN
emaj-71	108	33	is	be	AUX
emaj-71	108	34	found	find	VERB
emaj-71	108	35	to	to	PART
emaj-71	108	36	be	be	AUX
emaj-71	108	37	necessary	necessary	ADJ
emaj-71	108	38	for	for	SCONJ
emaj-71	108	39	an	an	DET
emaj-71	108	40	sme	sme	NOUN
emaj-71	108	41	to	to	PART
emaj-71	108	42	pass	pass	VERB
emaj-71	108	43	the	the	DET
emaj-71	108	44	optimum	optimum	ADJ
emaj-71	108	45	point	point	NOUN
emaj-71	108	46	of	of	ADP
emaj-71	108	47	becoming	become	VERB
emaj-71	108	48	profitable	profitable	ADJ
emaj-71	108	49	.	.	PUNCT
emaj-71	109	1	these	these	DET
emaj-71	109	2	products	product	NOUN
emaj-71	109	3	/	/	SYM
emaj-71	109	4	services	service	NOUN
emaj-71	109	5	can	can	AUX
emaj-71	109	6	range	range	VERB
emaj-71	109	7	from	from	ADP
emaj-71	109	8	checking	check	VERB
emaj-71	109	9	/	/	SYM
emaj-71	109	10	savings	saving	NOUN
emaj-71	109	11	accounts	account	NOUN
emaj-71	109	12	and	and	CCONJ
emaj-71	109	13	company	company	NOUN
emaj-71	109	14	credit	credit	NOUN
emaj-71	109	15	cards	card	NOUN
emaj-71	109	16	,	,	PUNCT
emaj-71	109	17	to	to	ADP
emaj-71	109	18	insurance	insurance	NOUN
emaj-71	109	19	products	product	NOUN
emaj-71	109	20	and	and	CCONJ
emaj-71	109	21	payment	payment	NOUN
emaj-71	109	22	/	/	SYM
emaj-71	109	23	receivable	receivable	NOUN
emaj-71	109	24	systems	system	NOUN
emaj-71	109	25	(	(	PUNCT
emaj-71	109	26	such	such	ADJ
emaj-71	109	27	as	as	ADP
emaj-71	109	28	tax	tax	NOUN
emaj-71	109	29	payments	payment	NOUN
emaj-71	109	30	)	)	PUNCT
emaj-71	109	31	,	,	PUNCT
emaj-71	109	32	depending	depend	VERB
emaj-71	109	33	on	on	ADP
emaj-71	109	34	the	the	DET
emaj-71	109	35	infrastructural	infrastructural	ADJ
emaj-71	109	36	facilities	facility	NOUN
emaj-71	109	37	of	of	ADP
emaj-71	109	38	the	the	DET
emaj-71	109	39	banks	bank	NOUN
emaj-71	109	40	.	.	PUNCT
emaj-71	110	1	cross	cross	PROPN
emaj-71	110	2	selling	sell	VERB
emaj-71	110	3	to	to	ADP
emaj-71	110	4	smes	sme	NOUN
emaj-71	110	5	in	in	ADP
emaj-71	110	6	turkish	turkish	ADJ
emaj-71	110	7	banking	banking	NOUN
emaj-71	110	8	system	system	NOUN
emaj-71	110	9	in	in	ADP
emaj-71	110	10	turkey	turkey	NOUN
emaj-71	110	11	,	,	PUNCT
emaj-71	110	12	there	there	PRON
emaj-71	110	13	are	be	VERB
emaj-71	110	14	49	49	NUM
emaj-71	110	15	banks	bank	NOUN
emaj-71	110	16	operating	operate	VERB
emaj-71	110	17	with	with	ADP
emaj-71	110	18	12.033	12.033	NUM
emaj-71	110	19	branches	branch	NOUN
emaj-71	110	20	as	as	ADP
emaj-71	110	21	of	of	ADP
emaj-71	110	22	march	march	PROPN
emaj-71	110	23	,	,	PUNCT
emaj-71	110	24	2014	2014	NUM
emaj-71	110	25	(	(	PUNCT
emaj-71	110	26	banking	banking	NOUN
emaj-71	110	27	regulation	regulation	NOUN
emaj-71	110	28	and	and	CCONJ
emaj-71	110	29	supervision	supervision	NOUN
emaj-71	110	30	agency	agency	NOUN
emaj-71	110	31	of	of	ADP
emaj-71	110	32	turkey	turkey	PROPN
emaj-71	110	33	,	,	PUNCT
emaj-71	110	34	2014	2014	NUM
emaj-71	110	35	)	)	PUNCT
emaj-71	110	36	.	.	PUNCT
emaj-71	111	1	table	table	NOUN
emaj-71	111	2	3	3	NUM
emaj-71	111	3	:	:	PUNCT
emaj-71	111	4	ranking	ranking	NOUN
emaj-71	111	5	of	of	ADP
emaj-71	111	6	turkish	turkish	ADJ
emaj-71	111	7	banks	bank	NOUN
emaj-71	111	8	source	source	NOUN
emaj-71	111	9	:	:	PUNCT
emaj-71	111	10	the	the	DET
emaj-71	111	11	banks	banks	PROPN
emaj-71	111	12	association	association	PROPN
emaj-71	111	13	of	of	ADP
emaj-71	111	14	turkey	turkey	PROPN
emaj-71	111	15	(	(	PUNCT
emaj-71	111	16	2014	2014	NUM
emaj-71	111	17	)	)	PUNCT
emaj-71	111	18	,	,	PUNCT
emaj-71	111	19	*	*	PUNCT
emaj-71	111	20	figures	figure	NOUN
emaj-71	111	21	are	be	AUX
emaj-71	111	22	converted	convert	VERB
emaj-71	111	23	from	from	ADP
emaj-71	111	24	tl	tl	PROPN
emaj-71	111	25	to	to	ADP
emaj-71	111	26	usd	usd	NOUN
emaj-71	111	27	with	with	ADP
emaj-71	111	28	the	the	DET
emaj-71	111	29	exchange	exchange	NOUN
emaj-71	111	30	rates	rate	NOUN
emaj-71	111	31	of	of	ADP
emaj-71	111	32	cb	cb	PROPN
emaj-71	111	33	of	of	ADP
emaj-71	111	34	turkey	turkey	PROPN
emaj-71	111	35	,	,	PUNCT
emaj-71	111	36	as	as	ADP
emaj-71	111	37	of	of	ADP
emaj-71	111	38	31/03/2013	31/03/2013	NUM
emaj-71	111	39	and	and	CCONJ
emaj-71	111	40	01/01/201331/03/2013	01/01/201331/03/2013	NOUN
emaj-71	111	41	average	average	NOUN
emaj-71	111	42	(	(	PUNCT
emaj-71	111	43	for	for	ADP
emaj-71	111	44	net	net	ADJ
emaj-71	111	45	p	p	PROPN
emaj-71	111	46	/	/	SYM
emaj-71	111	47	l	l	NOUN
emaj-71	111	48	values	value	NOUN
emaj-71	111	49	)	)	PUNCT
emaj-71	111	50	.	.	PUNCT
emaj-71	112	1	servicing	servicing	NOUN
emaj-71	112	2	smes	sme	NOUN
emaj-71	112	3	is	be	AUX
emaj-71	112	4	one	one	NUM
emaj-71	112	5	of	of	ADP
emaj-71	112	6	the	the	DET
emaj-71	112	7	main	main	ADJ
emaj-71	112	8	strategic	strategic	ADJ
emaj-71	112	9	priorities	priority	NOUN
emaj-71	112	10	of	of	ADP
emaj-71	112	11	all	all	DET
emaj-71	112	12	banks	bank	NOUN
emaj-71	112	13	in	in	ADP
emaj-71	112	14	the	the	DET
emaj-71	112	15	sector	sector	NOUN
emaj-71	112	16	,	,	PUNCT
emaj-71	112	17	which	which	PRON
emaj-71	112	18	is	be	AUX
emaj-71	112	19	most	most	ADV
emaj-71	112	20	clearly	clearly	ADV
emaj-71	112	21	represented	represent	VERB
emaj-71	112	22	by	by	ADP
emaj-71	112	23	the	the	DET
emaj-71	112	24	fast	fast	ADJ
emaj-71	112	25	increase	increase	NOUN
emaj-71	112	26	in	in	ADP
emaj-71	112	27	sme	sme	NOUN
emaj-71	112	28	loans	loan	NOUN
emaj-71	112	29	.	.	PUNCT
emaj-71	113	1	table	table	NOUN
emaj-71	113	2	4	4	NUM
emaj-71	113	3	:	:	PUNCT
emaj-71	113	4	the	the	DET
emaj-71	113	5	development	development	NOUN
emaj-71	113	6	of	of	ADP
emaj-71	113	7	sme	sme	NOUN
emaj-71	113	8	loans	loan	NOUN
emaj-71	113	9	in	in	ADP
emaj-71	113	10	turkish	turkish	ADJ
emaj-71	113	11	banking	banking	NOUN
emaj-71	113	12	system	system	NOUN
emaj-71	113	13	(	(	PUNCT
emaj-71	113	14	millions	millions	NUM
emaj-71	113	15	usd	usd	NOUN
emaj-71	113	16	)	)	PUNCT
emaj-71	113	17	sme	sme	NOUN
emaj-71	113	18	loans	loan	NOUN
emaj-71	113	19	growth	growth	NOUN
emaj-71	113	20	(	(	PUNCT
emaj-71	113	21	%	%	INTJ
emaj-71	113	22	)	)	PUNCT
emaj-71	114	1	dec-09	dec-09	PROPN
emaj-71	114	2	55.880	55.880	NUM
emaj-71	114	3	dec-10	dec-10	NOUN
emaj-71	114	4	81.150	81.150	NUM
emaj-71	114	5	47,3	47,3	NUM
emaj-71	114	6	dec-11	dec-11	ADP
emaj-71	114	7	85.810	85.810	NUM
emaj-71	114	8	4,9	4,9	NUM
emaj-71	114	9	dec-12	dec-12	NOUN
emaj-71	114	10	111.460	111.460	NUM
emaj-71	114	11	29,1	29,1	NUM
emaj-71	114	12	dec-13	dec-13	ADP
emaj-71	114	13	127.420	127.420	NUM
emaj-71	114	14	14,4	14,4	NUM
emaj-71	114	15	mar-14	mar-14	NUM
emaj-71	114	16	132.490	132.490	NUM
emaj-71	114	17	3,9	3,9	NUM
emaj-71	114	18	source	source	NOUN
emaj-71	114	19	:	:	PUNCT
emaj-71	114	20	banking	banking	NOUN
emaj-71	114	21	regulation	regulation	NOUN
emaj-71	114	22	and	and	CCONJ
emaj-71	114	23	supervision	supervision	NOUN
emaj-71	114	24	agency	agency	NOUN
emaj-71	114	25	of	of	ADP
emaj-71	114	26	turkey	turkey	PROPN
emaj-71	114	27	website	website	NOUN
emaj-71	114	28	,	,	PUNCT
emaj-71	114	29	2014	2014	NUM
emaj-71	114	30	,	,	PUNCT
emaj-71	114	31	*	*	VERB
emaj-71	114	32	figures	figure	NOUN
emaj-71	114	33	are	be	AUX
emaj-71	114	34	converted	convert	VERB
emaj-71	114	35	from	from	ADP
emaj-71	114	36	tl	tl	PROPN
emaj-71	114	37	to	to	ADP
emaj-71	114	38	usd	usd	NOUN
emaj-71	114	39	with	with	ADP
emaj-71	114	40	the	the	DET
emaj-71	114	41	exchange	exchange	NOUN
emaj-71	114	42	rates	rate	NOUN
emaj-71	114	43	of	of	ADP
emaj-71	114	44	cb	cb	PROPN
emaj-71	114	45	of	of	ADP
emaj-71	114	46	turkey	turkey	PROPN
emaj-71	114	47	.	.	PUNCT
emaj-71	115	1	between	between	ADP
emaj-71	115	2	2007	2007	NUM
emaj-71	115	3	-	-	SYM
emaj-71	115	4	2012	2012	NUM
emaj-71	115	5	,	,	PUNCT
emaj-71	115	6	the	the	DET
emaj-71	115	7	loans	loan	NOUN
emaj-71	115	8	lent	lend	VERB
emaj-71	115	9	to	to	ADP
emaj-71	115	10	smes	sme	NOUN
emaj-71	115	11	by	by	ADP
emaj-71	115	12	the	the	DET
emaj-71	115	13	banks	bank	NOUN
emaj-71	115	14	rose	rise	VERB
emaj-71	115	15	at	at	ADP
emaj-71	115	16	the	the	DET
emaj-71	115	17	rate	rate	NOUN
emaj-71	115	18	of	of	ADP
emaj-71	115	19	156	156	NUM
emaj-71	115	20	%	%	NOUN
emaj-71	115	21	,	,	PUNCT
emaj-71	115	22	which	which	PRON
emaj-71	115	23	is	be	AUX
emaj-71	115	24	the	the	DET
emaj-71	115	25	greatest	great	ADJ
emaj-71	115	26	expansion	expansion	NOUN
emaj-71	115	27	in	in	ADP
emaj-71	115	28	sme	sme	NOUN
emaj-71	115	29	lending	lending	NOUN
emaj-71	115	30	among	among	ADP
emaj-71	115	31	oecd	oecd	PROPN
emaj-71	115	32	countries	country	NOUN
emaj-71	115	33	(	(	PUNCT
emaj-71	115	34	oecd	oecd	PROPN
emaj-71	115	35	,	,	PUNCT
emaj-71	115	36	2014	2014	NUM
emaj-71	115	37	)	)	PUNCT
emaj-71	115	38	.	.	PUNCT
emaj-71	116	1	as	as	SCONJ
emaj-71	116	2	shown	show	VERB
emaj-71	116	3	in	in	ADP
emaj-71	116	4	table	table	NOUN
emaj-71	116	5	2	2	NUM
emaj-71	116	6	,	,	PUNCT
emaj-71	116	7	the	the	DET
emaj-71	116	8	sme	sme	PROPN
emaj-71	116	9	loans	loan	NOUN
emaj-71	116	10	increased	increase	VERB
emaj-71	116	11	from	from	ADP
emaj-71	116	12	usd	usd	PROPN
emaj-71	116	13	111,4	111,4	PROPN
emaj-71	116	14	million	million	NUM
emaj-71	116	15	at	at	ADP
emaj-71	116	16	december	december	PROPN
emaj-71	116	17	2012	2012	NUM
emaj-71	116	18	to	to	ADP
emaj-71	116	19	usd	usd	PROPN
emaj-71	116	20	127,4	127,4	NOUN
emaj-71	116	21	million	million	NUM
emaj-71	116	22	at	at	ADP
emaj-71	116	23	december	december	PROPN
emaj-71	116	24	2013	2013	NUM
emaj-71	116	25	and	and	CCONJ
emaj-71	116	26	usd	usd	NOUN
emaj-71	116	27	132,5	132,5	NUM
emaj-71	116	28	million	million	NUM
emaj-71	116	29	usd	usd	NOUN
emaj-71	116	30	at	at	ADP
emaj-71	116	31	march	march	PROPN
emaj-71	116	32	,	,	PUNCT
emaj-71	116	33	2014	2014	NUM
emaj-71	116	34	(	(	PUNCT
emaj-71	116	35	banking	banking	NOUN
emaj-71	116	36	regulation	regulation	NOUN
emaj-71	116	37	and	and	CCONJ
emaj-71	116	38	supervision	supervision	NOUN
emaj-71	116	39	agency	agency	NOUN
emaj-71	116	40	of	of	ADP
emaj-71	116	41	turkey	turkey	PROPN
emaj-71	116	42	2014	2014	NUM
emaj-71	116	43	)	)	PUNCT
emaj-71	116	44	.	.	PUNCT
emaj-71	117	1	despite	despite	SCONJ
emaj-71	117	2	the	the	DET
emaj-71	117	3	significant	significant	ADJ
emaj-71	117	4	developments	development	NOUN
emaj-71	117	5	in	in	ADP
emaj-71	117	6	sme	sme	NOUN
emaj-71	117	7	lending	lending	NOUN
emaj-71	117	8	volumes	volume	NOUN
emaj-71	117	9	,	,	PUNCT
emaj-71	117	10	the	the	DET
emaj-71	117	11	sme	sme	PROPN
emaj-71	117	12	segment	segment	PROPN
emaj-71	117	13	still	still	ADV
emaj-71	117	14	“	"	PUNCT
emaj-71	117	15	remains	remain	VERB
emaj-71	117	16	underserved	underserved	ADJ
emaj-71	117	17	,	,	PUNCT
emaj-71	117	18	and	and	CCONJ
emaj-71	117	19	constrained	constrained	ADJ
emaj-71	117	20	access	access	NOUN
emaj-71	117	21	to	to	ADP
emaj-71	117	22	finance	finance	NOUN
emaj-71	117	23	is	be	AUX
emaj-71	117	24	perceived	perceive	VERB
emaj-71	117	25	as	as	ADP
emaj-71	117	26	the	the	DET
emaj-71	117	27	single	single	ADJ
emaj-71	117	28	largest	large	ADJ
emaj-71	117	29	obstacle	obstacle	NOUN
emaj-71	117	30	to	to	PART
emaj-71	117	31	growth	growth	VERB
emaj-71	117	32	by	by	ADP
emaj-71	117	33	smes	sme	NOUN
emaj-71	117	34	”	"	PUNCT
emaj-71	117	35	(	(	PUNCT
emaj-71	117	36	opic	opic	NOUN
emaj-71	117	37	,	,	PUNCT
emaj-71	117	38	2014	2014	NUM
emaj-71	117	39	)	)	PUNCT
emaj-71	117	40	.	.	PUNCT
emaj-71	118	1	the	the	DET
emaj-71	118	2	sme	sme	PROPN
emaj-71	118	3	specific	specific	ADJ
emaj-71	118	4	lending	lending	NOUN
emaj-71	118	5	problems	problem	NOUN
emaj-71	118	6	of	of	ADP
emaj-71	118	7	informality	informality	NOUN
emaj-71	118	8	,	,	PUNCT
emaj-71	118	9	opaqueness	opaqueness	NOUN
emaj-71	118	10	and	and	CCONJ
emaj-71	118	11	credibility	credibility	NOUN
emaj-71	118	12	,	,	PUNCT
emaj-71	118	13	combined	combine	VERB
emaj-71	118	14	with	with	ADP
emaj-71	118	15	macroeconomic	macroeconomic	ADJ
emaj-71	118	16	instabilities	instability	NOUN
emaj-71	118	17	form	form	VERB
emaj-71	118	18	the	the	DET
emaj-71	118	19	major	major	ADJ
emaj-71	118	20	obstacles	obstacle	NOUN
emaj-71	118	21	to	to	ADP
emaj-71	118	22	supplying	supply	VERB
emaj-71	118	23	loans	loan	NOUN
emaj-71	118	24	to	to	ADP
emaj-71	118	25	smes	sme	NOUN
emaj-71	118	26	by	by	ADP
emaj-71	118	27	the	the	DET
emaj-71	118	28	banks	bank	NOUN
emaj-71	118	29	(	(	PUNCT
emaj-71	118	30	şahin	şahin	PROPN
emaj-71	118	31	,	,	PUNCT
emaj-71	118	32	2011	2011	NUM
emaj-71	118	33	)	)	PUNCT
emaj-71	118	34	.	.	PUNCT
emaj-71	119	1	these	these	DET
emaj-71	119	2	challenges	challenge	NOUN
emaj-71	119	3	lead	lead	VERB
emaj-71	119	4	the	the	DET
emaj-71	119	5	banks	bank	NOUN
emaj-71	119	6	to	to	PART
emaj-71	119	7	rely	rely	VERB
emaj-71	119	8	more	more	ADV
emaj-71	119	9	heavily	heavily	ADV
emaj-71	119	10	on	on	ADP
emaj-71	119	11	fee	fee	NOUN
emaj-71	119	12	based	base	VERB
emaj-71	119	13	financial	financial	ADJ
emaj-71	119	14	products	product	NOUN
emaj-71	119	15	and	and	CCONJ
emaj-71	119	16	services	service	NOUN
emaj-71	119	17	in	in	ADP
emaj-71	119	18	sme	sme	NOUN
emaj-71	119	19	banking	banking	NOUN
emaj-71	119	20	,	,	PUNCT
emaj-71	119	21	as	as	ADP
emaj-71	119	22	in	in	ADP
emaj-71	119	23	case	case	NOUN
emaj-71	119	24	of	of	ADP
emaj-71	119	25	most	most	ADJ
emaj-71	119	26	developing	develop	VERB
emaj-71	119	27	economies	economy	NOUN
emaj-71	119	28	.	.	PUNCT
emaj-71	120	1	the	the	DET
emaj-71	120	2	large	large	ADJ
emaj-71	120	3	size	size	NOUN
emaj-71	120	4	of	of	ADP
emaj-71	120	5	the	the	DET
emaj-71	120	6	sme	sme	PROPN
emaj-71	120	7	segment	segment	NOUN
emaj-71	120	8	with	with	ADP
emaj-71	120	9	approximately	approximately	ADV
emaj-71	120	10	3.2	3.2	NUM
emaj-71	120	11	million	million	NUM
emaj-71	120	12	smes	sme	NOUN
emaj-71	120	13	as	as	ADV
emaj-71	120	14	well	well	ADV
emaj-71	120	15	as	as	ADP
emaj-71	120	16	3	3	NUM
emaj-71	120	17	million	million	NUM
emaj-71	120	18	farmers	farmer	NOUN
emaj-71	120	19	and	and	CCONJ
emaj-71	120	20	agricultural	agricultural	ADJ
emaj-71	120	21	producers	producer	NOUN
emaj-71	120	22	,	,	PUNCT
emaj-71	120	23	of	of	ADP
emaj-71	120	24	which	which	PRON
emaj-71	120	25	a	a	DET
emaj-71	120	26	large	large	ADJ
emaj-71	120	27	portion	portion	NOUN
emaj-71	120	28	is	be	AUX
emaj-71	120	29	still	still	ADV
emaj-71	120	30	under	under	ADP
emaj-71	120	31	banked	bank	VERB
emaj-71	120	32	,	,	PUNCT
emaj-71	120	33	is	be	AUX
emaj-71	120	34	another	another	DET
emaj-71	120	35	factor	factor	NOUN
emaj-71	120	36	behind	behind	ADP
emaj-71	120	37	the	the	DET
emaj-71	120	38	recent	recent	ADJ
emaj-71	120	39	concentration	concentration	NOUN
emaj-71	120	40	and	and	CCONJ
emaj-71	120	41	increasing	increase	VERB
emaj-71	120	42	product	product	NOUN
emaj-71	120	43	/	/	SYM
emaj-71	120	44	service	service	NOUN
emaj-71	120	45	sales	sale	NOUN
emaj-71	120	46	activities	activity	NOUN
emaj-71	120	47	of	of	ADP
emaj-71	120	48	banks	bank	NOUN
emaj-71	120	49	to	to	ADP
emaj-71	120	50	sme	sme	PROPN
emaj-71	120	51	segment	segment	PROPN
emaj-71	120	52	(	(	PUNCT
emaj-71	120	53	yapi	yapi	NOUN
emaj-71	120	54	kredi	kredi	PROPN
emaj-71	120	55	,	,	PUNCT
emaj-71	120	56	2013	2013	NUM
emaj-71	120	57	)	)	PUNCT
emaj-71	120	58	.	.	PUNCT
emaj-71	121	1	volume	volume	NOUN
emaj-71	121	2	5	5	NUM
emaj-71	121	3	no	no	DET
emaj-71	121	4	1	1	NUM
emaj-71	121	5	(	(	PUNCT
emaj-71	121	6	2015	2015	NUM
emaj-71	121	7	)	)	PUNCT
emaj-71	121	8	|	|	ADV
emaj-71	121	9	issn	issn	VERB
emaj-71	121	10	2158	2158	NUM
emaj-71	121	11	-	-	SYM
emaj-71	121	12	8708	8708	NUM
emaj-71	121	13	(	(	PUNCT
emaj-71	121	14	online	online	NOUN
emaj-71	121	15	)	)	PUNCT
emaj-71	121	16	|	|	ADV
emaj-71	121	17	doi	doi	X
emaj-71	121	18	10.5195	10.5195	NUM
emaj-71	121	19	/	/	SYM
emaj-71	121	20	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	121	21	|	|	ADV
emaj-71	121	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	121	23	hande	hande	PROPN
emaj-71	121	24	karadag	karadag	PROPN
emaj-71	121	25	,	,	PUNCT
emaj-71	121	26	vedat	vedat	NOUN
emaj-71	121	27	akman	akman	NOUN
emaj-71	121	28	emerging	emerge	VERB
emaj-71	121	29	markets	market	NOUN
emaj-71	121	30	journal	journal	NOUN
emaj-71	122	1	|	|	ADV
emaj-71	122	2	p	p	NOUN
emaj-71	122	3	a	a	DET
emaj-71	122	4	g	g	NOUN
emaj-71	122	5	e	e	NOUN
emaj-71	122	6	|87	|87	NUM
emaj-71	122	7	in	in	ADP
emaj-71	122	8	turkey	turkey	NOUN
emaj-71	122	9	,	,	PUNCT
emaj-71	122	10	the	the	DET
emaj-71	122	11	worldwide	worldwide	ADJ
emaj-71	122	12	trend	trend	NOUN
emaj-71	122	13	of	of	ADP
emaj-71	122	14	setting	set	VERB
emaj-71	122	15	up	up	ADP
emaj-71	122	16	separate	separate	ADJ
emaj-71	122	17	units	unit	NOUN
emaj-71	122	18	for	for	ADP
emaj-71	122	19	serving	serve	VERB
emaj-71	122	20	the	the	DET
emaj-71	122	21	sme	sme	PROPN
emaj-71	122	22	segment	segment	NOUN
emaj-71	122	23	,	,	PUNCT
emaj-71	122	24	led	lead	VERB
emaj-71	122	25	by	by	ADP
emaj-71	122	26	the	the	DET
emaj-71	122	27	multinational	multinational	ADJ
emaj-71	122	28	banks	bank	NOUN
emaj-71	122	29	operating	operate	VERB
emaj-71	122	30	in	in	ADP
emaj-71	122	31	local	local	ADJ
emaj-71	122	32	markets	market	NOUN
emaj-71	122	33	,	,	PUNCT
emaj-71	122	34	is	be	AUX
emaj-71	122	35	becoming	become	VERB
emaj-71	122	36	a	a	DET
emaj-71	122	37	common	common	ADJ
emaj-71	122	38	practice	practice	NOUN
emaj-71	122	39	.	.	PUNCT
emaj-71	123	1	in	in	ADP
emaj-71	123	2	this	this	DET
emaj-71	123	3	business	business	NOUN
emaj-71	123	4	model	model	NOUN
emaj-71	123	5	,	,	PUNCT
emaj-71	123	6	the	the	DET
emaj-71	123	7	sales	sale	NOUN
emaj-71	123	8	function	function	NOUN
emaj-71	123	9	of	of	ADP
emaj-71	123	10	the	the	DET
emaj-71	123	11	financial	financial	ADJ
emaj-71	123	12	products	product	NOUN
emaj-71	123	13	and	and	CCONJ
emaj-71	123	14	services	service	NOUN
emaj-71	123	15	are	be	AUX
emaj-71	123	16	decentralized	decentralize	VERB
emaj-71	123	17	and	and	CCONJ
emaj-71	123	18	delegated	delegate	VERB
emaj-71	123	19	to	to	ADP
emaj-71	123	20	the	the	DET
emaj-71	123	21	branches	branch	NOUN
emaj-71	123	22	,	,	PUNCT
emaj-71	123	23	while	while	SCONJ
emaj-71	123	24	loan	loan	NOUN
emaj-71	123	25	approval	approval	NOUN
emaj-71	123	26	procedures	procedure	NOUN
emaj-71	123	27	,	,	PUNCT
emaj-71	123	28	risk	risk	NOUN
emaj-71	123	29	management	management	NOUN
emaj-71	123	30	and	and	CCONJ
emaj-71	123	31	recovery	recovery	NOUN
emaj-71	123	32	of	of	ADP
emaj-71	123	33	defaulted	defaulted	ADJ
emaj-71	123	34	loans	loan	NOUN
emaj-71	123	35	are	be	AUX
emaj-71	123	36	kept	keep	VERB
emaj-71	123	37	centralized	centralized	ADJ
emaj-71	123	38	(	(	PUNCT
emaj-71	123	39	beck	beck	NOUN
emaj-71	123	40	,	,	PUNCT
emaj-71	123	41	et	et	PROPN
emaj-71	123	42	.	.	PUNCT
emaj-71	124	1	al	al	PROPN
emaj-71	124	2	,	,	PUNCT
emaj-71	124	3	2008).the	2008).the	DET
emaj-71	124	4	business	business	NOUN
emaj-71	124	5	models	model	NOUN
emaj-71	124	6	and	and	CCONJ
emaj-71	124	7	major	major	ADJ
emaj-71	124	8	non	non	ADJ
emaj-71	124	9	-	-	ADJ
emaj-71	124	10	lending	lending	ADJ
emaj-71	124	11	products	product	NOUN
emaj-71	124	12	/	/	SYM
emaj-71	124	13	service	service	NOUN
emaj-71	124	14	practices	practice	NOUN
emaj-71	124	15	offered	offer	VERB
emaj-71	124	16	to	to	ADP
emaj-71	124	17	smes	sme	NOUN
emaj-71	124	18	by	by	ADP
emaj-71	124	19	the	the	DET
emaj-71	124	20	leading	lead	VERB
emaj-71	124	21	banks	bank	NOUN
emaj-71	124	22	in	in	ADP
emaj-71	124	23	turkey	turkey	NOUN
emaj-71	124	24	can	can	AUX
emaj-71	124	25	be	be	AUX
emaj-71	124	26	briefed	brief	VERB
emaj-71	124	27	as	as	SCONJ
emaj-71	124	28	follows	follow	VERB
emaj-71	124	29	:	:	PUNCT
emaj-71	124	30	is	be	AUX
emaj-71	124	31	bankasi	bankasi	PROPN
emaj-71	124	32	a.s	a.s	PROPN
emaj-71	124	33	:	:	PUNCT
emaj-71	124	34	i̇ş	i̇ş	PROPN
emaj-71	124	35	bankasi	bankasi	PROPN
emaj-71	124	36	is	be	AUX
emaj-71	124	37	turkey	turkey	NOUN
emaj-71	124	38	’s	’s	PART
emaj-71	124	39	largest	large	ADJ
emaj-71	124	40	bank	bank	NOUN
emaj-71	124	41	of	of	ADP
emaj-71	124	42	turkey	turkey	NOUN
emaj-71	124	43	,	,	PUNCT
emaj-71	124	44	with	with	ADP
emaj-71	124	45	respect	respect	NOUN
emaj-71	124	46	to	to	ADP
emaj-71	124	47	total	total	ADJ
emaj-71	124	48	assets	asset	NOUN
emaj-71	124	49	,	,	PUNCT
emaj-71	124	50	total	total	ADJ
emaj-71	124	51	loans	loan	NOUN
emaj-71	124	52	and	and	CCONJ
emaj-71	124	53	shareholders	shareholder	NOUN
emaj-71	124	54	’	'	PUNCT
emaj-71	124	55	equity	equity	NOUN
emaj-71	124	56	.	.	PUNCT
emaj-71	125	1	it	it	PRON
emaj-71	125	2	is	be	AUX
emaj-71	125	3	also	also	ADV
emaj-71	125	4	the	the	DET
emaj-71	125	5	leader	leader	NOUN
emaj-71	125	6	in	in	ADP
emaj-71	125	7	deposits	deposit	NOUN
emaj-71	125	8	among	among	ADP
emaj-71	125	9	privately	privately	ADV
emaj-71	125	10	-	-	PUNCT
emaj-71	125	11	owned	own	VERB
emaj-71	125	12	banks	bank	NOUN
emaj-71	125	13	.	.	PUNCT
emaj-71	126	1	the	the	DET
emaj-71	126	2	bank	bank	NOUN
emaj-71	126	3	manages	manage	VERB
emaj-71	126	4	its	its	PRON
emaj-71	126	5	sme	sme	ADJ
emaj-71	126	6	banking	banking	NOUN
emaj-71	126	7	operations	operation	NOUN
emaj-71	126	8	under	under	ADP
emaj-71	126	9	commercial	commercial	ADJ
emaj-71	126	10	banking	banking	NOUN
emaj-71	126	11	and	and	CCONJ
emaj-71	126	12	its	its	PRON
emaj-71	126	13	most	most	ADV
emaj-71	126	14	differentiated	differentiated	ADJ
emaj-71	126	15	service	service	NOUN
emaj-71	126	16	to	to	ADP
emaj-71	126	17	smes	sme	NOUN
emaj-71	126	18	in	in	ADP
emaj-71	126	19	the	the	DET
emaj-71	126	20	market	market	NOUN
emaj-71	126	21	is	be	AUX
emaj-71	126	22	the	the	DET
emaj-71	126	23	website	website	NOUN
emaj-71	126	24	istekobi	istekobi	NOUN
emaj-71	126	25	(	(	PUNCT
emaj-71	126	26	smes	sme	NOUN
emaj-71	126	27	in	in	ADP
emaj-71	126	28	is	be	AUX
emaj-71	126	29	)	)	PUNCT
emaj-71	126	30	,	,	PUNCT
emaj-71	126	31	followed	follow	VERB
emaj-71	126	32	by	by	ADP
emaj-71	126	33	56.000	56.000	NUM
emaj-71	126	34	smes	sme	NOUN
emaj-71	126	35	in	in	ADP
emaj-71	126	36	2013	2013	NUM
emaj-71	126	37	.	.	PUNCT
emaj-71	127	1	the	the	DET
emaj-71	127	2	bank	bank	NOUN
emaj-71	127	3	uses	use	VERB
emaj-71	127	4	its	its	PRON
emaj-71	127	5	widespread	widespread	ADJ
emaj-71	127	6	branch	branch	NOUN
emaj-71	127	7	network	network	NOUN
emaj-71	127	8	,	,	PUNCT
emaj-71	127	9	consisting	consist	VERB
emaj-71	127	10	of	of	ADP
emaj-71	127	11	1.265	1.265	NUM
emaj-71	127	12	branches	branch	NOUN
emaj-71	127	13	and	and	CCONJ
emaj-71	127	14	employees	employee	NOUN
emaj-71	127	15	customer	customer	NOUN
emaj-71	127	16	relations	relation	NOUN
emaj-71	127	17	managers	manager	NOUN
emaj-71	127	18	and	and	CCONJ
emaj-71	127	19	customer	customer	NOUN
emaj-71	127	20	representatives	representative	NOUN
emaj-71	127	21	for	for	ADP
emaj-71	127	22	providing	provide	VERB
emaj-71	127	23	financial	financial	ADJ
emaj-71	127	24	services	service	NOUN
emaj-71	127	25	to	to	ADP
emaj-71	127	26	smes	sme	NOUN
emaj-71	127	27	(	(	PUNCT
emaj-71	127	28	is	be	AUX
emaj-71	127	29	bankasi	bankasi	NOUN
emaj-71	127	30	,	,	PUNCT
emaj-71	127	31	2013	2013	NUM
emaj-71	127	32	)	)	PUNCT
emaj-71	127	33	.	.	PUNCT
emaj-71	128	1	ziraat	ziraat	PROPN
emaj-71	128	2	bankasi	bankasi	PROPN
emaj-71	128	3	a.s	a.s	PROPN
emaj-71	128	4	.	.	PROPN
emaj-71	128	5	:	:	PUNCT
emaj-71	128	6	as	as	ADP
emaj-71	128	7	the	the	DET
emaj-71	128	8	largest	large	ADJ
emaj-71	128	9	state	state	NOUN
emaj-71	128	10	-	-	PUNCT
emaj-71	128	11	owned	own	VERB
emaj-71	128	12	bank	bank	NOUN
emaj-71	128	13	in	in	ADP
emaj-71	128	14	turkey	turkey	NOUN
emaj-71	128	15	established	establish	VERB
emaj-71	128	16	with	with	ADP
emaj-71	128	17	the	the	DET
emaj-71	128	18	mission	mission	NOUN
emaj-71	128	19	of	of	ADP
emaj-71	128	20	supporting	support	VERB
emaj-71	128	21	the	the	DET
emaj-71	128	22	agricultural	agricultural	ADJ
emaj-71	128	23	sector	sector	NOUN
emaj-71	128	24	,	,	PUNCT
emaj-71	128	25	the	the	DET
emaj-71	128	26	main	main	ADJ
emaj-71	128	27	strategy	strategy	NOUN
emaj-71	128	28	of	of	ADP
emaj-71	128	29	ziraat	ziraat	NOUN
emaj-71	128	30	bankasi	bankasi	NOUN
emaj-71	128	31	for	for	ADP
emaj-71	128	32	servicing	service	VERB
emaj-71	128	33	smes	sme	NOUN
emaj-71	128	34	is	be	AUX
emaj-71	128	35	to	to	PART
emaj-71	128	36	provide	provide	VERB
emaj-71	128	37	loans	loan	NOUN
emaj-71	128	38	to	to	ADP
emaj-71	128	39	smes	sme	NOUN
emaj-71	128	40	with	with	ADP
emaj-71	128	41	facilitated	facilitate	VERB
emaj-71	128	42	credit	credit	NOUN
emaj-71	128	43	conditions	condition	NOUN
emaj-71	128	44	,	,	PUNCT
emaj-71	128	45	particularly	particularly	ADV
emaj-71	128	46	through	through	ADP
emaj-71	128	47	its	its	PRON
emaj-71	128	48	world	world	NOUN
emaj-71	128	49	bank	bank	PROPN
emaj-71	128	50	and	and	CCONJ
emaj-71	128	51	eib	eib	PROPN
emaj-71	128	52	(	(	PUNCT
emaj-71	128	53	european	european	PROPN
emaj-71	128	54	investment	investment	PROPN
emaj-71	128	55	bank	bank	PROPN
emaj-71	128	56	)	)	PUNCT
emaj-71	128	57	partnerships	partnership	NOUN
emaj-71	128	58	.	.	PUNCT
emaj-71	129	1	in	in	ADP
emaj-71	129	2	2012	2012	NUM
emaj-71	129	3	and	and	CCONJ
emaj-71	129	4	2013	2013	NUM
emaj-71	129	5	,	,	PUNCT
emaj-71	129	6	the	the	DET
emaj-71	129	7	bank	bank	NOUN
emaj-71	129	8	completed	complete	VERB
emaj-71	129	9	its	its	PRON
emaj-71	129	10	customer	customer	NOUN
emaj-71	129	11	and	and	CCONJ
emaj-71	129	12	branch	branch	NOUN
emaj-71	129	13	segmentation	segmentation	NOUN
emaj-71	129	14	efforts	effort	NOUN
emaj-71	129	15	and	and	CCONJ
emaj-71	129	16	the	the	DET
emaj-71	129	17	moved	move	VERB
emaj-71	129	18	to	to	ADP
emaj-71	129	19	portfolio	portfolio	NOUN
emaj-71	129	20	management	management	NOUN
emaj-71	129	21	business	business	NOUN
emaj-71	129	22	model	model	NOUN
emaj-71	129	23	and	and	CCONJ
emaj-71	129	24	also	also	ADV
emaj-71	129	25	expanded	expand	VERB
emaj-71	129	26	its	its	PRON
emaj-71	129	27	number	number	NOUN
emaj-71	129	28	of	of	ADP
emaj-71	129	29	entrepreneurial	entrepreneurial	ADJ
emaj-71	129	30	banking	banking	NOUN
emaj-71	129	31	branches	branch	NOUN
emaj-71	129	32	(	(	PUNCT
emaj-71	129	33	ziraat	ziraat	PROPN
emaj-71	129	34	bank	bank	PROPN
emaj-71	129	35	,	,	PUNCT
emaj-71	129	36	2013	2013	NUM
emaj-71	129	37	)	)	PUNCT
emaj-71	129	38	.	.	PUNCT
emaj-71	130	1	garanti	garanti	PROPN
emaj-71	130	2	bankasi	bankasi	PROPN
emaj-71	130	3	a.s	a.s	PROPN
emaj-71	130	4	.	.	PROPN
emaj-71	130	5	:	:	PUNCT
emaj-71	131	1	garanti	garanti	PROPN
emaj-71	131	2	bankasi	bankasi	PROPN
emaj-71	131	3	is	be	AUX
emaj-71	131	4	the	the	DET
emaj-71	131	5	second	second	ADV
emaj-71	131	6	largest	large	ADJ
emaj-71	131	7	private	private	ADJ
emaj-71	131	8	bank	bank	NOUN
emaj-71	131	9	in	in	ADP
emaj-71	131	10	turkey	turkey	PROPN
emaj-71	131	11	,	,	PUNCT
emaj-71	131	12	with	with	ADP
emaj-71	131	13	consolidated	consolidated	ADJ
emaj-71	131	14	assets	asset	NOUN
emaj-71	131	15	of	of	ADP
emaj-71	131	16	us$	us$	SYM
emaj-71	131	17	104.5	104.5	NUM
emaj-71	131	18	billion	billion	NUM
emaj-71	131	19	as	as	ADP
emaj-71	131	20	of	of	ADP
emaj-71	131	21	december	december	PROPN
emaj-71	131	22	31	31	NUM
emaj-71	131	23	,	,	PUNCT
emaj-71	131	24	2013	2013	NUM
emaj-71	131	25	.	.	PUNCT
emaj-71	132	1	having	having	AUX
emaj-71	132	2	reorganized	reorganize	VERB
emaj-71	132	3	the	the	DET
emaj-71	132	4	head	head	NOUN
emaj-71	132	5	office	office	NOUN
emaj-71	132	6	and	and	CCONJ
emaj-71	132	7	branches	branch	NOUN
emaj-71	132	8	for	for	ADP
emaj-71	132	9	the	the	DET
emaj-71	132	10	smes	sme	NOUN
emaj-71	132	11	,	,	PUNCT
emaj-71	132	12	the	the	DET
emaj-71	132	13	bank	bank	NOUN
emaj-71	132	14	has	have	VERB
emaj-71	132	15	a	a	DET
emaj-71	132	16	separate	separate	ADJ
emaj-71	132	17	sme	sme	PROPN
emaj-71	132	18	department	department	PROPN
emaj-71	132	19	in	in	ADP
emaj-71	132	20	headquarters	headquarters	NOUN
emaj-71	132	21	and	and	CCONJ
emaj-71	132	22	pursues	pursue	VERB
emaj-71	132	23	the	the	DET
emaj-71	132	24	strategy	strategy	NOUN
emaj-71	132	25	of	of	ADP
emaj-71	132	26	being	be	AUX
emaj-71	132	27	the	the	DET
emaj-71	132	28	“	"	PUNCT
emaj-71	132	29	bank	bank	NOUN
emaj-71	132	30	of	of	ADP
emaj-71	132	31	smes	sme	NOUN
emaj-71	132	32	”	"	PUNCT
emaj-71	132	33	and	and	CCONJ
emaj-71	132	34	the	the	DET
emaj-71	132	35	“	"	PUNCT
emaj-71	132	36	future	future	ADJ
emaj-71	132	37	guarantee	guarantee	NOUN
emaj-71	132	38	of	of	ADP
emaj-71	132	39	tradesmen	tradesman	NOUN
emaj-71	132	40	.	.	PUNCT
emaj-71	133	1	for	for	ADP
emaj-71	133	2	increasing	increase	VERB
emaj-71	133	3	its	its	PRON
emaj-71	133	4	cross	cross	ADJ
emaj-71	133	5	-	-	ADJ
emaj-71	133	6	selling	selling	ADJ
emaj-71	133	7	activities	activity	NOUN
emaj-71	133	8	,	,	PUNCT
emaj-71	133	9	the	the	DET
emaj-71	133	10	bank	bank	NOUN
emaj-71	133	11	has	have	VERB
emaj-71	133	12	the	the	DET
emaj-71	133	13	goals	goal	NOUN
emaj-71	133	14	of	of	ADP
emaj-71	133	15	:	:	PUNCT
emaj-71	133	16			NOUN
emaj-71	133	17	providing	provide	VERB
emaj-71	133	18	support	support	NOUN
emaj-71	133	19	the	the	DET
emaj-71	133	20	digital	digital	ADJ
emaj-71	133	21	transformation	transformation	NOUN
emaj-71	133	22	of	of	ADP
emaj-71	133	23	smes	sme	NOUN
emaj-71	133	24	so	so	SCONJ
emaj-71	133	25	as	as	SCONJ
emaj-71	133	26	to	to	PART
emaj-71	133	27	help	help	VERB
emaj-71	133	28	them	they	PRON
emaj-71	133	29	use	use	VERB
emaj-71	133	30	it	it	PRON
emaj-71	133	31	technologies	technology	NOUN
emaj-71	133	32	effectively	effectively	ADV
emaj-71	133	33	,	,	PUNCT
emaj-71	133	34			NOUN
emaj-71	133	35	design	design	NOUN
emaj-71	133	36	solutions	solution	NOUN
emaj-71	133	37	for	for	ADP
emaj-71	133	38	the	the	DET
emaj-71	133	39	needs	need	NOUN
emaj-71	133	40	of	of	ADP
emaj-71	133	41	smes	sme	NOUN
emaj-71	133	42	in	in	ADP
emaj-71	133	43	various	various	ADJ
emaj-71	133	44	areas	area	NOUN
emaj-71	133	45	by	by	ADP
emaj-71	133	46	establishing	establish	VERB
emaj-71	133	47	partnerships	partnership	NOUN
emaj-71	133	48	and	and	CCONJ
emaj-71	133	49	collaborations	collaboration	NOUN
emaj-71	133	50	with	with	ADP
emaj-71	133	51	powerful	powerful	ADJ
emaj-71	133	52	brands	brand	NOUN
emaj-71	133	53	and	and	CCONJ
emaj-71	133	54	institutions	institution	NOUN
emaj-71	133	55	,	,	PUNCT
emaj-71	133	56			NOUN
emaj-71	133	57	offer	offer	VERB
emaj-71	133	58	diverse	diverse	ADJ
emaj-71	133	59	financing	financing	NOUN
emaj-71	133	60	options	option	NOUN
emaj-71	133	61	to	to	ADP
emaj-71	133	62	new	new	ADJ
emaj-71	133	63	entrepreneurs	entrepreneur	NOUN
emaj-71	133	64	in	in	ADP
emaj-71	133	65	need	need	NOUN
emaj-71	133	66	of	of	ADP
emaj-71	133	67	fast	fast	ADJ
emaj-71	133	68	and	and	CCONJ
emaj-71	133	69	simple	simple	ADJ
emaj-71	133	70	access	access	NOUN
emaj-71	133	71	to	to	ADP
emaj-71	133	72	financial	financial	ADJ
emaj-71	133	73	resources	resource	NOUN
emaj-71	133	74	,	,	PUNCT
emaj-71	133	75	and	and	CCONJ
emaj-71	133	76	act	act	VERB
emaj-71	133	77	as	as	ADP
emaj-71	133	78	their	their	PRON
emaj-71	133	79	solution	solution	NOUN
emaj-71	133	80	partner	partner	NOUN
emaj-71	133	81	on	on	ADP
emaj-71	133	82	the	the	DET
emaj-71	133	83	basis	basis	NOUN
emaj-71	133	84	of	of	ADP
emaj-71	133	85	strong	strong	ADJ
emaj-71	133	86	collaborations	collaboration	NOUN
emaj-71	133	87	,	,	PUNCT
emaj-71	133	88			PRON
emaj-71	133	89	carry	carry	VERB
emaj-71	133	90	out	out	ADP
emaj-71	133	91	agricultural	agricultural	ADJ
emaj-71	133	92	banking	banking	NOUN
emaj-71	133	93	focused	focus	VERB
emaj-71	133	94	on	on	ADP
emaj-71	133	95	sector	sector	NOUN
emaj-71	133	96	/	/	SYM
emaj-71	133	97	product	product	NOUN
emaj-71	133	98	/	/	SYM
emaj-71	133	99	region	region	NOUN
emaj-71	133	100	,	,	PUNCT
emaj-71	133	101			PRON
emaj-71	133	102	allow	allow	VERB
emaj-71	133	103	the	the	DET
emaj-71	133	104	product	product	NOUN
emaj-71	133	105	suppliers	supplier	NOUN
emaj-71	133	106	and	and	CCONJ
emaj-71	133	107	firms	firm	NOUN
emaj-71	133	108	taking	take	VERB
emaj-71	133	109	place	place	NOUN
emaj-71	133	110	in	in	ADP
emaj-71	133	111	the	the	DET
emaj-71	133	112	agricultural	agricultural	ADJ
emaj-71	133	113	value	value	NOUN
emaj-71	133	114	chain	chain	NOUN
emaj-71	133	115	to	to	PART
emaj-71	133	116	work	work	VERB
emaj-71	133	117	with	with	ADP
emaj-71	133	118	models	model	NOUN
emaj-71	133	119	that	that	PRON
emaj-71	133	120	fit	fit	VERB
emaj-71	133	121	the	the	DET
emaj-71	133	122	relative	relative	ADJ
emaj-71	133	123	cycles	cycle	NOUN
emaj-71	133	124	of	of	ADP
emaj-71	133	125	sub	sub	NOUN
emaj-71	133	126	-	-	NOUN
emaj-71	133	127	sectors	sector	NOUN
emaj-71	133	128	in	in	ADP
emaj-71	133	129	line	line	NOUN
emaj-71	133	130	with	with	ADP
emaj-71	133	131	the	the	DET
emaj-71	133	132	demands	demand	NOUN
emaj-71	133	133	and	and	CCONJ
emaj-71	133	134	requirements	requirement	NOUN
emaj-71	133	135	that	that	PRON
emaj-71	133	136	differ	differ	VERB
emaj-71	133	137	regionally	regionally	ADV
emaj-71	133	138	(	(	PUNCT
emaj-71	133	139	garanti	garanti	X
emaj-71	133	140	bankasi	bankasi	PROPN
emaj-71	133	141	,	,	PUNCT
emaj-71	133	142	2013	2013	NUM
emaj-71	133	143	)	)	PUNCT
emaj-71	133	144	.	.	PUNCT
emaj-71	134	1	akbank	akbank	VERB
emaj-71	134	2	t.a.s	t.a.s	ADV
emaj-71	134	3	.	.	PUNCT
emaj-71	134	4	:	:	PUNCT
emaj-71	135	1	in	in	ADP
emaj-71	135	2	the	the	DET
emaj-71	135	3	ranking	ranking	NOUN
emaj-71	135	4	of	of	ADP
emaj-71	135	5	private	private	ADJ
emaj-71	135	6	banks	bank	NOUN
emaj-71	135	7	,	,	PUNCT
emaj-71	135	8	akbank	akbank	PROPN
emaj-71	135	9	has	have	VERB
emaj-71	135	10	the	the	DET
emaj-71	135	11	third	third	ADJ
emaj-71	135	12	place	place	NOUN
emaj-71	135	13	in	in	ADP
emaj-71	135	14	the	the	DET
emaj-71	135	15	sector	sector	NOUN
emaj-71	135	16	in	in	ADP
emaj-71	135	17	terms	term	NOUN
emaj-71	135	18	of	of	ADP
emaj-71	135	19	its	its	PRON
emaj-71	135	20	assets	asset	NOUN
emaj-71	135	21	,	,	PUNCT
emaj-71	135	22	as	as	ADP
emaj-71	135	23	of	of	ADP
emaj-71	135	24	december	december	PROPN
emaj-71	135	25	,	,	PUNCT
emaj-71	135	26	2013	2013	NUM
emaj-71	135	27	(	(	PUNCT
emaj-71	135	28	tbb	tbb	NOUN
emaj-71	135	29	,	,	PUNCT
emaj-71	135	30	2013	2013	NUM
emaj-71	135	31	)	)	PUNCT
emaj-71	135	32	.	.	PUNCT
emaj-71	136	1	the	the	DET
emaj-71	136	2	bank	bank	NOUN
emaj-71	136	3	conducts	conduct	VERB
emaj-71	136	4	its	its	PRON
emaj-71	136	5	sme	sme	ADJ
emaj-71	136	6	banking	banking	NOUN
emaj-71	136	7	activities	activity	NOUN
emaj-71	136	8	with	with	ADP
emaj-71	136	9	its	its	PRON
emaj-71	136	10	985	985	NUM
emaj-71	136	11	branches	branch	NOUN
emaj-71	136	12	and	and	CCONJ
emaj-71	136	13	23	23	NUM
emaj-71	136	14	regional	regional	ADJ
emaj-71	136	15	directorates	directorate	NOUN
emaj-71	136	16	across	across	ADP
emaj-71	136	17	turkey	turkey	NOUN
emaj-71	136	18	.	.	PUNCT
emaj-71	137	1	the	the	DET
emaj-71	137	2	main	main	ADJ
emaj-71	137	3	sme	sme	NOUN
emaj-71	137	4	segment	segment	NOUN
emaj-71	137	5	strategy	strategy	NOUN
emaj-71	137	6	of	of	ADP
emaj-71	137	7	the	the	DET
emaj-71	137	8	bank	bank	NOUN
emaj-71	137	9	is	be	AUX
emaj-71	137	10	the	the	DET
emaj-71	137	11	developing	developing	NOUN
emaj-71	137	12	of	of	ADP
emaj-71	137	13	tailor	tailor	NOUN
emaj-71	137	14	made	make	VERB
emaj-71	137	15	products	product	NOUN
emaj-71	137	16	,	,	PUNCT
emaj-71	137	17	such	such	ADJ
emaj-71	137	18	as	as	ADP
emaj-71	137	19	axess	axess	NOUN
emaj-71	137	20	sme	sme	NOUN
emaj-71	137	21	card	card	NOUN
emaj-71	137	22	,	,	PUNCT
emaj-71	137	23	agriculture	agriculture	NOUN
emaj-71	137	24	card	card	NOUN
emaj-71	137	25	,	,	PUNCT
emaj-71	137	26	axess	axess	NOUN
emaj-71	137	27	business	business	NOUN
emaj-71	137	28	and	and	CCONJ
emaj-71	137	29	checkbook	checkbook	NOUN
emaj-71	137	30	that	that	PRON
emaj-71	137	31	could	could	AUX
emaj-71	137	32	be	be	AUX
emaj-71	137	33	requested	request	VERB
emaj-71	137	34	with	with	ADP
emaj-71	137	35	an	an	DET
emaj-71	137	36	sms	sms	NOUN
emaj-71	137	37	,	,	PUNCT
emaj-71	137	38	and	and	CCONJ
emaj-71	137	39	‘	'	PUNCT
emaj-71	137	40	sme	sme	NOUN
emaj-71	137	41	tariffs	tariff	NOUN
emaj-71	137	42	(	(	PUNCT
emaj-71	137	43	kota	kota	PROPN
emaj-71	137	44	)	)	PUNCT
emaj-71	137	45	’	'	PUNCT
emaj-71	137	46	product	product	NOUN
emaj-71	137	47	that	that	PRON
emaj-71	137	48	allows	allow	VERB
emaj-71	137	49	smes	sme	NOUN
emaj-71	137	50	to	to	PART
emaj-71	137	51	choose	choose	VERB
emaj-71	137	52	the	the	DET
emaj-71	137	53	bundled	bundled	ADJ
emaj-71	137	54	product	product	NOUN
emaj-71	137	55	that	that	PRON
emaj-71	137	56	best	good	ADJ
emaj-71	137	57	suits	suit	NOUN
emaj-71	137	58	their	their	PRON
emaj-71	137	59	banking	banking	NOUN
emaj-71	137	60	transaction	transaction	NOUN
emaj-71	137	61	mix	mix	NOUN
emaj-71	137	62	by	by	ADP
emaj-71	137	63	paying	pay	VERB
emaj-71	137	64	a	a	DET
emaj-71	137	65	single	single	ADJ
emaj-71	137	66	fixed	fix	VERB
emaj-71	137	67	fee	fee	NOUN
emaj-71	137	68	.	.	PUNCT
emaj-71	138	1	in	in	ADP
emaj-71	138	2	2013	2013	NUM
emaj-71	138	3	,	,	PUNCT
emaj-71	138	4	the	the	DET
emaj-71	138	5	bank	bank	NOUN
emaj-71	138	6	also	also	ADV
emaj-71	138	7	revised	revise	VERB
emaj-71	138	8	its	its	PRON
emaj-71	138	9	ekopos	ekopos	NOUN
emaj-71	138	10	product	product	NOUN
emaj-71	138	11	,	,	PUNCT
emaj-71	138	12	which	which	PRON
emaj-71	138	13	is	be	AUX
emaj-71	138	14	the	the	DET
emaj-71	138	15	first	first	ADJ
emaj-71	138	16	installment	installment	NOUN
emaj-71	138	17	pos	pos	NOUN
emaj-71	138	18	in	in	ADP
emaj-71	138	19	the	the	DET
emaj-71	138	20	sector	sector	NOUN
emaj-71	138	21	.	.	PUNCT
emaj-71	139	1	also	also	ADV
emaj-71	139	2	,	,	PUNCT
emaj-71	139	3	promotional	promotional	ADJ
emaj-71	139	4	campaigns	campaign	NOUN
emaj-71	139	5	offering	offer	VERB
emaj-71	139	6	complimentary	complimentary	ADJ
emaj-71	139	7	devices	device	NOUN
emaj-71	139	8	were	be	AUX
emaj-71	139	9	ran	run	VERB
emaj-71	139	10	by	by	ADP
emaj-71	139	11	the	the	DET
emaj-71	139	12	bank	bank	NOUN
emaj-71	139	13	for	for	ADP
emaj-71	139	14	customers	customer	NOUN
emaj-71	139	15	who	who	PRON
emaj-71	139	16	are	be	AUX
emaj-71	139	17	obliged	oblige	VERB
emaj-71	139	18	to	to	PART
emaj-71	139	19	use	use	VERB
emaj-71	139	20	cash	cash	NOUN
emaj-71	139	21	register	register	NOUN
emaj-71	139	22	pos	pos	NOUN
emaj-71	139	23	with	with	ADP
emaj-71	139	24	recently	recently	ADV
emaj-71	139	25	changed	change	VERB
emaj-71	139	26	regulations	regulation	NOUN
emaj-71	139	27	.	.	PUNCT
emaj-71	140	1	the	the	DET
emaj-71	140	2	non	non	ADJ
emaj-71	140	3	-	-	ADJ
emaj-71	140	4	financial	financial	ADJ
emaj-71	140	5	services	service	NOUN
emaj-71	140	6	of	of	ADP
emaj-71	140	7	akbank	akbank	PROPN
emaj-71	140	8	sme	sme	PROPN
emaj-71	140	9	banking	banking	NOUN
emaj-71	140	10	include	include	VERB
emaj-71	140	11	the	the	DET
emaj-71	140	12	“	"	PUNCT
emaj-71	140	13	craftsmen	craftsman	NOUN
emaj-71	140	14	fraternity	fraternity	NOUN
emaj-71	140	15	”	"	PUNCT
emaj-71	140	16	launched	launch	VERB
emaj-71	140	17	to	to	PART
emaj-71	140	18	serve	serve	VERB
emaj-71	140	19	artisans	artisan	NOUN
emaj-71	140	20	and	and	CCONJ
emaj-71	140	21	the	the	DET
emaj-71	140	22	“	"	PUNCT
emaj-71	140	23	sme	sme	NOUN
emaj-71	140	24	line	line	NOUN
emaj-71	140	25	”	"	PUNCT
emaj-71	140	26	which	which	PRON
emaj-71	140	27	is	be	AUX
emaj-71	140	28	as	as	ADP
emaj-71	140	29	a	a	DET
emaj-71	140	30	specific	specific	ADJ
emaj-71	140	31	online	online	ADJ
emaj-71	140	32	service	service	NOUN
emaj-71	140	33	designed	design	VERB
emaj-71	140	34	for	for	ADP
emaj-71	140	35	meeting	meet	VERB
emaj-71	140	36	the	the	DET
emaj-71	140	37	information	information	NOUN
emaj-71	140	38	and	and	CCONJ
emaj-71	140	39	service	service	NOUN
emaj-71	140	40	requests	request	NOUN
emaj-71	140	41	of	of	ADP
emaj-71	140	42	smes	sme	NOUN
emaj-71	140	43	and	and	CCONJ
emaj-71	140	44	is	be	AUX
emaj-71	140	45	available	available	ADJ
emaj-71	140	46	to	to	ADP
emaj-71	140	47	all	all	DET
emaj-71	140	48	enterprises	enterprise	NOUN
emaj-71	140	49	whether	whether	SCONJ
emaj-71	140	50	they	they	PRON
emaj-71	140	51	are	be	AUX
emaj-71	140	52	the	the	DET
emaj-71	140	53	bank	bank	NOUN
emaj-71	140	54	’s	’s	PART
emaj-71	140	55	customers	customer	NOUN
emaj-71	140	56	or	or	CCONJ
emaj-71	140	57	not	not	PART
emaj-71	140	58	(	(	PUNCT
emaj-71	140	59	akbank	akbank	ADV
emaj-71	140	60	,	,	PUNCT
emaj-71	140	61	2013	2013	NUM
emaj-71	140	62	)	)	PUNCT
emaj-71	140	63	.	.	PUNCT
emaj-71	141	1	yapi	yapi	PROPN
emaj-71	141	2	ve	ve	AUX
emaj-71	141	3	kredi	kredi	VERB
emaj-71	141	4	bankasi	bankasi	PROPN
emaj-71	141	5	a.s	a.s	PROPN
emaj-71	141	6	.	.	PUNCT
emaj-71	141	7	:	:	PUNCT
emaj-71	142	1	yapı	yapı	PROPN
emaj-71	142	2	kredi	kredi	VERB
emaj-71	142	3	is	be	AUX
emaj-71	142	4	the	the	DET
emaj-71	142	5	4th	4th	ADV
emaj-71	142	6	largest	large	ADJ
emaj-71	142	7	private	private	ADJ
emaj-71	142	8	bank	bank	NOUN
emaj-71	142	9	in	in	ADP
emaj-71	142	10	turkey	turkey	NOUN
emaj-71	142	11	with	with	ADP
emaj-71	142	12	total	total	ADJ
emaj-71	142	13	assets	asset	NOUN
emaj-71	142	14	of	of	ADP
emaj-71	142	15	tl	tl	PROPN
emaj-71	142	16	182.0	182.0	NUM
emaj-71	142	17	billion	billion	NUM
emaj-71	142	18	and	and	CCONJ
emaj-71	142	19	ranks	rank	VERB
emaj-71	142	20	5th	5th	ADJ
emaj-71	142	21	in	in	ADP
emaj-71	142	22	total	total	ADJ
emaj-71	142	23	cash	cash	NOUN
emaj-71	142	24	loans	loan	NOUN
emaj-71	142	25	with	with	ADP
emaj-71	142	26	9.9	9.9	NUM
emaj-71	142	27	%	%	NOUN
emaj-71	142	28	market	market	NOUN
emaj-71	142	29	share	share	NOUN
emaj-71	142	30	and	and	CCONJ
emaj-71	142	31	6th	6th	NOUN
emaj-71	142	32	in	in	ADP
emaj-71	142	33	total	total	ADJ
emaj-71	142	34	deposits	deposit	NOUN
emaj-71	142	35	with	with	ADP
emaj-71	142	36	9.8	9.8	NUM
emaj-71	142	37	%	%	NOUN
emaj-71	142	38	market	market	NOUN
emaj-71	142	39	share	share	NOUN
emaj-71	142	40	.	.	PUNCT
emaj-71	143	1	yapi	yapi	PROPN
emaj-71	143	2	kredi	kredi	PROPN
emaj-71	143	3	’s	’s	PART
emaj-71	143	4	strategic	strategic	ADJ
emaj-71	143	5	business	business	NOUN
emaj-71	143	6	unit	unit	NOUN
emaj-71	143	7	based	base	VERB
emaj-71	143	8	service	service	NOUN
emaj-71	143	9	model	model	NOUN
emaj-71	143	10	consists	consist	VERB
emaj-71	143	11	of	of	ADP
emaj-71	143	12	three	three	NUM
emaj-71	143	13	major	major	ADJ
emaj-71	143	14	segments	segment	NOUN
emaj-71	143	15	of	of	ADP
emaj-71	143	16	retail	retail	ADJ
emaj-71	143	17	banking	banking	NOUN
emaj-71	143	18	(	(	PUNCT
emaj-71	143	19	including	include	VERB
emaj-71	143	20	individual	individual	ADJ
emaj-71	143	21	,	,	PUNCT
emaj-71	143	22	sme	sme	NOUN
emaj-71	143	23	and	and	CCONJ
emaj-71	143	24	card	card	NOUN
emaj-71	143	25	payment	payment	NOUN
emaj-71	143	26	systems	system	NOUN
emaj-71	143	27	)	)	PUNCT
emaj-71	143	28	,	,	PUNCT
emaj-71	143	29	corporate	corporate	ADJ
emaj-71	143	30	&	&	CCONJ
emaj-71	143	31	commercial	commercial	ADJ
emaj-71	143	32	banking	banking	NOUN
emaj-71	143	33	and	and	CCONJ
emaj-71	143	34	private	private	ADJ
emaj-71	143	35	banking	banking	NOUN
emaj-71	143	36	and	and	CCONJ
emaj-71	143	37	wealth	wealth	NOUN
emaj-71	143	38	management	management	NOUN
emaj-71	143	39	.	.	PUNCT
emaj-71	144	1	the	the	DET
emaj-71	144	2	bank	bank	NOUN
emaj-71	144	3	serves	serve	VERB
emaj-71	144	4	its	its	PRON
emaj-71	144	5	911.000	911.000	NUM
emaj-71	144	6	sme	sme	NOUN
emaj-71	144	7	customers	customer	NOUN
emaj-71	144	8	in	in	ADP
emaj-71	144	9	842	842	NUM
emaj-71	144	10	branches	branch	NOUN
emaj-71	144	11	with	with	ADP
emaj-71	144	12	1.583	1.583	NUM
emaj-71	144	13	relationship	relationship	NOUN
emaj-71	144	14	managers	manager	NOUN
emaj-71	144	15	and	and	CCONJ
emaj-71	144	16	has	have	VERB
emaj-71	144	17	a	a	DET
emaj-71	144	18	wide	wide	ADJ
emaj-71	144	19	range	range	NOUN
emaj-71	144	20	of	of	ADP
emaj-71	144	21	product	product	NOUN
emaj-71	144	22	/	/	SYM
emaj-71	144	23	service	service	NOUN
emaj-71	144	24	offerings	offering	NOUN
emaj-71	144	25	,	,	PUNCT
emaj-71	144	26	including	include	VERB
emaj-71	144	27	product	product	NOUN
emaj-71	144	28	bundles	bundle	NOUN
emaj-71	144	29	,	,	PUNCT
emaj-71	144	30	pos	pos	NOUN
emaj-71	144	31	and	and	CCONJ
emaj-71	144	32	merchant	merchant	NOUN
emaj-71	144	33	services	service	NOUN
emaj-71	144	34	,	,	PUNCT
emaj-71	144	35	cash	cash	NOUN
emaj-71	144	36	management	management	NOUN
emaj-71	144	37	products	product	NOUN
emaj-71	144	38	,	,	PUNCT
emaj-71	144	39	investment	investment	NOUN
emaj-71	144	40	products	product	NOUN
emaj-71	144	41	and	and	CCONJ
emaj-71	144	42	commercial	commercial	ADJ
emaj-71	144	43	purchasing	purchasing	NOUN
emaj-71	144	44	cards	card	NOUN
emaj-71	144	45	.	.	PUNCT
emaj-71	145	1	yapi	yapi	PROPN
emaj-71	145	2	kredi	kredi	PROPN
emaj-71	145	3	was	be	AUX
emaj-71	145	4	the	the	DET
emaj-71	145	5	first	first	ADJ
emaj-71	145	6	bank	bank	NOUN
emaj-71	145	7	in	in	ADP
emaj-71	145	8	the	the	DET
emaj-71	145	9	sector	sector	NOUN
emaj-71	145	10	to	to	PART
emaj-71	145	11	introduce	introduce	VERB
emaj-71	145	12	product	product	NOUN
emaj-71	145	13	bundles	bundle	NOUN
emaj-71	145	14	with	with	ADP
emaj-71	145	15	a	a	DET
emaj-71	145	16	variety	variety	NOUN
emaj-71	145	17	of	of	ADP
emaj-71	145	18	basic	basic	ADJ
emaj-71	145	19	banking	banking	NOUN
emaj-71	145	20	products	product	NOUN
emaj-71	145	21	in	in	ADP
emaj-71	145	22	a	a	DET
emaj-71	145	23	single	single	ADJ
emaj-71	145	24	package	package	NOUN
emaj-71	145	25	and	and	CCONJ
emaj-71	145	26	these	these	DET
emaj-71	145	27	products	product	NOUN
emaj-71	145	28	are	be	AUX
emaj-71	145	29	used	use	VERB
emaj-71	145	30	by	by	ADP
emaj-71	145	31	155.000	155.000	NUM
emaj-71	145	32	sme	sme	NOUN
emaj-71	145	33	customers	customer	NOUN
emaj-71	145	34	as	as	ADP
emaj-71	145	35	of	of	ADP
emaj-71	145	36	december	december	PROPN
emaj-71	145	37	2013	2013	NUM
emaj-71	145	38	,	,	PUNCT
emaj-71	145	39	with	with	ADP
emaj-71	145	40	the	the	DET
emaj-71	145	41	volume	volume	NOUN
emaj-71	145	42	5	5	NUM
emaj-71	145	43	no	no	DET
emaj-71	145	44	1	1	NUM
emaj-71	145	45	(	(	PUNCT
emaj-71	145	46	2015	2015	NUM
emaj-71	145	47	)	)	PUNCT
emaj-71	145	48	|	|	ADV
emaj-71	145	49	issn	issn	VERB
emaj-71	145	50	2158	2158	NUM
emaj-71	145	51	-	-	SYM
emaj-71	145	52	8708	8708	NUM
emaj-71	145	53	(	(	PUNCT
emaj-71	145	54	online	online	NOUN
emaj-71	145	55	)	)	PUNCT
emaj-71	145	56	|	|	ADV
emaj-71	145	57	doi	doi	X
emaj-71	145	58	10.5195	10.5195	NUM
emaj-71	145	59	/	/	SYM
emaj-71	145	60	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	145	61	|	|	ADV
emaj-71	145	62	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	145	63	the	the	DET
emaj-71	145	64	role	role	NOUN
emaj-71	145	65	of	of	ADP
emaj-71	145	66	cross	cross	NOUN
emaj-71	145	67	selling	selling	NOUN
emaj-71	145	68	in	in	ADP
emaj-71	145	69	sme	sme	PROPN
emaj-71	145	70	banking	banking	NOUN
emaj-71	145	71	:	:	PUNCT
emaj-71	145	72	an	an	DET
emaj-71	145	73	analysis	analysis	NOUN
emaj-71	145	74	from	from	ADP
emaj-71	145	75	turkey	turkey	NOUN
emaj-71	145	76	page	page	NOUN
emaj-71	145	77	|88|	|88|	NOUN
emaj-71	145	78	emerging	emerge	VERB
emaj-71	145	79	markets	market	NOUN
emaj-71	145	80	journal	journal	NOUN
emaj-71	145	81	new	new	ADJ
emaj-71	145	82	51.000	51.000	NUM
emaj-71	145	83	customers	customer	NOUN
emaj-71	145	84	gained	gain	VERB
emaj-71	145	85	in	in	ADP
emaj-71	145	86	the	the	DET
emaj-71	145	87	last	last	ADJ
emaj-71	145	88	year	year	NOUN
emaj-71	145	89	.	.	PUNCT
emaj-71	146	1	the	the	DET
emaj-71	146	2	bank	bank	NOUN
emaj-71	146	3	’s	’s	PART
emaj-71	146	4	major	major	ADJ
emaj-71	146	5	sme	sme	NOUN
emaj-71	146	6	strategy	strategy	NOUN
emaj-71	146	7	in	in	ADP
emaj-71	146	8	sme	sme	NOUN
emaj-71	146	9	banking	banking	NOUN
emaj-71	146	10	is	be	AUX
emaj-71	146	11	new	new	ADJ
emaj-71	146	12	customer	customer	NOUN
emaj-71	146	13	acquisition	acquisition	NOUN
emaj-71	146	14	,	,	PUNCT
emaj-71	146	15	supported	support	VERB
emaj-71	146	16	by	by	ADP
emaj-71	146	17	sme	sme	NOUN
emaj-71	146	18	hunters	hunter	NOUN
emaj-71	146	19	,	,	PUNCT
emaj-71	146	20	a	a	DET
emaj-71	146	21	special	special	ADJ
emaj-71	146	22	team	team	NOUN
emaj-71	146	23	formed	form	VERB
emaj-71	146	24	in	in	ADP
emaj-71	146	25	2012	2012	NUM
emaj-71	146	26	with	with	ADP
emaj-71	146	27	the	the	DET
emaj-71	146	28	sole	sole	ADJ
emaj-71	146	29	purpose	purpose	NOUN
emaj-71	146	30	of	of	ADP
emaj-71	146	31	acquiring	acquire	VERB
emaj-71	146	32	new	new	ADJ
emaj-71	146	33	customers	customer	NOUN
emaj-71	146	34	(	(	PUNCT
emaj-71	146	35	yapi	yapi	NOUN
emaj-71	146	36	kredi	kredi	PROPN
emaj-71	146	37	,	,	PUNCT
emaj-71	146	38	2013	2013	NUM
emaj-71	146	39	)	)	PUNCT
emaj-71	146	40	.	.	PUNCT
emaj-71	147	1	turk	turk	PROPN
emaj-71	147	2	ekonomi	ekonomi	PROPN
emaj-71	147	3	bankasi	bankasi	PROPN
emaj-71	147	4	a.s.(teb	a.s.(teb	PROPN
emaj-71	147	5	):	):	PUNCT
emaj-71	147	6	by	by	ADP
emaj-71	147	7	ifc	ifc	NOUN
emaj-71	147	8	(	(	PUNCT
emaj-71	147	9	international	international	ADJ
emaj-71	147	10	finance	finance	NOUN
emaj-71	147	11	cooperation	cooperation	NOUN
emaj-71	147	12	)	)	PUNCT
emaj-71	147	13	,	,	PUNCT
emaj-71	147	14	teb	teb	PROPN
emaj-71	147	15	was	be	AUX
emaj-71	147	16	awarded	award	VERB
emaj-71	147	17	as	as	ADP
emaj-71	147	18	“	"	PUNCT
emaj-71	147	19	one	one	NUM
emaj-71	147	20	of	of	ADP
emaj-71	147	21	the	the	DET
emaj-71	147	22	best	good	ADJ
emaj-71	147	23	three	three	NUM
emaj-71	147	24	banks	bank	NOUN
emaj-71	147	25	in	in	ADP
emaj-71	147	26	the	the	DET
emaj-71	147	27	world	world	NOUN
emaj-71	147	28	”	"	PUNCT
emaj-71	147	29	in	in	ADP
emaj-71	147	30	the	the	DET
emaj-71	147	31	category	category	NOUN
emaj-71	147	32	of	of	ADP
emaj-71	147	33	“	"	PUNCT
emaj-71	147	34	offering	offer	VERB
emaj-71	147	35	non	non	ADJ
emaj-71	147	36	-	-	ADJ
emaj-71	147	37	financial	financial	ADJ
emaj-71	147	38	services	service	NOUN
emaj-71	147	39	to	to	ADP
emaj-71	147	40	smes	sme	NOUN
emaj-71	147	41	”	"	PUNCT
emaj-71	147	42	in	in	ADP
emaj-71	147	43	2012	2012	NUM
emaj-71	147	44	.	.	PUNCT
emaj-71	148	1	with	with	ADP
emaj-71	148	2	a	a	DET
emaj-71	148	3	strong	strong	ADJ
emaj-71	148	4	sme	sme	NOUN
emaj-71	148	5	focus	focus	NOUN
emaj-71	148	6	,	,	PUNCT
emaj-71	148	7	teb	teb	PROPN
emaj-71	148	8	increased	increase	VERB
emaj-71	148	9	its	its	PRON
emaj-71	148	10	sme	sme	NOUN
emaj-71	148	11	customer	customer	NOUN
emaj-71	148	12	base	base	NOUN
emaj-71	148	13	from	from	ADP
emaj-71	148	14	9.481	9.481	NUM
emaj-71	148	15	smes	sme	NOUN
emaj-71	148	16	in	in	ADP
emaj-71	148	17	2005	2005	NUM
emaj-71	148	18	to	to	ADP
emaj-71	148	19	657.335	657.335	NUM
emaj-71	148	20	smes	sme	NOUN
emaj-71	148	21	in	in	ADP
emaj-71	148	22	2011	2011	NUM
emaj-71	148	23	.	.	PUNCT
emaj-71	149	1	the	the	DET
emaj-71	149	2	bank	bank	NOUN
emaj-71	149	3	offers	offer	VERB
emaj-71	149	4	several	several	ADJ
emaj-71	149	5	financial	financial	ADJ
emaj-71	149	6	products	product	NOUN
emaj-71	149	7	and	and	CCONJ
emaj-71	149	8	services	service	NOUN
emaj-71	149	9	tailored	tailor	VERB
emaj-71	149	10	specifically	specifically	ADV
emaj-71	149	11	for	for	ADP
emaj-71	149	12	smes	sme	NOUN
emaj-71	149	13	,	,	PUNCT
emaj-71	149	14	including	include	VERB
emaj-71	149	15	bundled	bundle	VERB
emaj-71	149	16	sme	sme	NOUN
emaj-71	149	17	support	support	NOUN
emaj-71	149	18	packages	package	NOUN
emaj-71	149	19	,	,	PUNCT
emaj-71	149	20	which	which	PRON
emaj-71	149	21	are	be	AUX
emaj-71	149	22	determined	determine	VERB
emaj-71	149	23	by	by	ADP
emaj-71	149	24	the	the	DET
emaj-71	149	25	analysis	analysis	NOUN
emaj-71	149	26	of	of	ADP
emaj-71	149	27	most	most	ADV
emaj-71	149	28	frequently	frequently	ADV
emaj-71	149	29	performed	perform	VERB
emaj-71	149	30	transactions	transaction	NOUN
emaj-71	149	31	of	of	ADP
emaj-71	149	32	the	the	DET
emaj-71	149	33	smes	sme	NOUN
emaj-71	149	34	in	in	ADP
emaj-71	149	35	the	the	DET
emaj-71	149	36	bank	bank	NOUN
emaj-71	149	37	and	and	CCONJ
emaj-71	149	38	are	be	AUX
emaj-71	149	39	categorized	categorize	VERB
emaj-71	149	40	as	as	ADP
emaj-71	149	41	‘	'	PUNCT
emaj-71	149	42	support	support	NOUN
emaj-71	149	43	on	on	ADP
emaj-71	149	44	credit	credit	NOUN
emaj-71	149	45	package	package	NOUN
emaj-71	149	46	’	'	PUNCT
emaj-71	149	47	,	,	PUNCT
emaj-71	149	48	‘	'	PUNCT
emaj-71	149	49	daily	daily	ADJ
emaj-71	149	50	support	support	NOUN
emaj-71	149	51	package	package	NOUN
emaj-71	149	52	’	'	PUNCT
emaj-71	149	53	and	and	CCONJ
emaj-71	149	54	‘	'	PUNCT
emaj-71	149	55	virtual	virtual	ADJ
emaj-71	149	56	support	support	NOUN
emaj-71	149	57	package	package	NOUN
emaj-71	149	58	’	'	PUNCT
emaj-71	149	59	.	.	PUNCT
emaj-71	150	1	the	the	DET
emaj-71	150	2	sales	sale	NOUN
emaj-71	150	3	activities	activity	NOUN
emaj-71	150	4	of	of	ADP
emaj-71	150	5	sme	sme	NOUN
emaj-71	150	6	products	product	NOUN
emaj-71	150	7	and	and	CCONJ
emaj-71	150	8	services	service	NOUN
emaj-71	150	9	are	be	AUX
emaj-71	150	10	conducted	conduct	VERB
emaj-71	150	11	through	through	ADP
emaj-71	150	12	various	various	ADJ
emaj-71	150	13	distribution	distribution	NOUN
emaj-71	150	14	channels	channel	NOUN
emaj-71	150	15	such	such	ADJ
emaj-71	150	16	as	as	ADP
emaj-71	150	17	branches	branch	NOUN
emaj-71	150	18	and	and	CCONJ
emaj-71	150	19	sme	sme	NOUN
emaj-71	150	20	support	support	NOUN
emaj-71	150	21	line	line	NOUN
emaj-71	150	22	.	.	PUNCT
emaj-71	151	1	the	the	DET
emaj-71	151	2	bank	bank	NOUN
emaj-71	151	3	also	also	ADV
emaj-71	151	4	provides	provide	VERB
emaj-71	151	5	several	several	ADJ
emaj-71	151	6	award	award	NOUN
emaj-71	151	7	winning	win	VERB
emaj-71	151	8	non	non	ADJ
emaj-71	151	9	-	-	ADJ
emaj-71	151	10	financial	financial	ADJ
emaj-71	151	11	sme	sme	NOUN
emaj-71	151	12	services	service	NOUN
emaj-71	151	13	such	such	ADJ
emaj-71	151	14	as	as	ADP
emaj-71	151	15	sme	sme	PROPN
emaj-71	151	16	club	club	PROPN
emaj-71	151	17	,	,	PUNCT
emaj-71	151	18	sme	sme	PROPN
emaj-71	151	19	academy	academy	PROPN
emaj-71	151	20	,	,	PUNCT
emaj-71	151	21	sme	sme	NOUN
emaj-71	151	22	meetings	meeting	NOUN
emaj-71	151	23	,	,	PUNCT
emaj-71	151	24	agriculture	agriculture	NOUN
emaj-71	151	25	meetings	meeting	NOUN
emaj-71	151	26	and	and	CCONJ
emaj-71	151	27	sme	sme	NOUN
emaj-71	151	28	tv	tv	PROPN
emaj-71	151	29	.	.	PUNCT
emaj-71	152	1	in	in	ADP
emaj-71	152	2	2013	2013	NUM
emaj-71	152	3	,	,	PUNCT
emaj-71	152	4	a	a	DET
emaj-71	152	5	separate	separate	ADJ
emaj-71	152	6	enterprise	enterprise	NOUN
emaj-71	152	7	banking	banking	NOUN
emaj-71	152	8	unit	unit	NOUN
emaj-71	152	9	inside	inside	ADP
emaj-71	152	10	the	the	DET
emaj-71	152	11	sme	sme	PROPN
emaj-71	152	12	banking	banking	PROPN
emaj-71	152	13	department	department	PROPN
emaj-71	152	14	and	and	CCONJ
emaj-71	152	15	a	a	DET
emaj-71	152	16	consultancy	consultancy	NOUN
emaj-71	152	17	center	center	NOUN
emaj-71	152	18	called	call	VERB
emaj-71	152	19	as	as	ADP
emaj-71	152	20	‘	'	PUNCT
emaj-71	152	21	enterprise	enterprise	NOUN
emaj-71	152	22	house	house	NOUN
emaj-71	152	23	’	'	PUNCT
emaj-71	152	24	were	be	AUX
emaj-71	152	25	set	set	VERB
emaj-71	152	26	up	up	ADP
emaj-71	152	27	for	for	ADP
emaj-71	152	28	exclusively	exclusively	ADV
emaj-71	152	29	serving	serve	VERB
emaj-71	152	30	to	to	ADP
emaj-71	152	31	‘	'	PUNCT
emaj-71	152	32	entrepreneurs	entrepreneur	NOUN
emaj-71	152	33	’	'	PUNCT
emaj-71	152	34	(	(	PUNCT
emaj-71	152	35	teb	teb	PROPN
emaj-71	152	36	,	,	PUNCT
emaj-71	152	37	2013	2013	NUM
emaj-71	152	38	)	)	PUNCT
emaj-71	152	39	.	.	PUNCT
emaj-71	153	1	as	as	SCONJ
emaj-71	153	2	this	this	DET
emaj-71	153	3	review	review	NOUN
emaj-71	153	4	illustrates	illustrate	VERB
emaj-71	153	5	,	,	PUNCT
emaj-71	153	6	while	while	SCONJ
emaj-71	153	7	there	there	PRON
emaj-71	153	8	is	be	VERB
emaj-71	153	9	a	a	DET
emaj-71	153	10	clear	clear	ADJ
emaj-71	153	11	and	and	CCONJ
emaj-71	153	12	strong	strong	ADJ
emaj-71	153	13	focus	focus	NOUN
emaj-71	153	14	of	of	ADP
emaj-71	153	15	all	all	DET
emaj-71	153	16	banks	bank	NOUN
emaj-71	153	17	for	for	ADP
emaj-71	153	18	the	the	DET
emaj-71	153	19	cross	cross	NOUN
emaj-71	153	20	selling	selling	NOUN
emaj-71	153	21	activities	activity	NOUN
emaj-71	153	22	to	to	ADP
emaj-71	153	23	smes	sme	NOUN
emaj-71	153	24	,	,	PUNCT
emaj-71	153	25	field	field	NOUN
emaj-71	153	26	applications	application	NOUN
emaj-71	153	27	can	can	AUX
emaj-71	153	28	show	show	VERB
emaj-71	153	29	variances	variance	NOUN
emaj-71	153	30	between	between	ADP
emaj-71	153	31	banks	bank	NOUN
emaj-71	153	32	.	.	PUNCT
emaj-71	154	1	most	most	ADJ
emaj-71	154	2	of	of	ADP
emaj-71	154	3	the	the	DET
emaj-71	154	4	market	market	NOUN
emaj-71	154	5	maker	maker	NOUN
emaj-71	154	6	banks	bank	NOUN
emaj-71	154	7	currently	currently	ADV
emaj-71	154	8	run	run	VERB
emaj-71	154	9	their	their	PRON
emaj-71	154	10	sme	sme	NOUN
emaj-71	154	11	banking	banking	NOUN
emaj-71	154	12	operations	operation	NOUN
emaj-71	154	13	through	through	ADP
emaj-71	154	14	separate	separate	ADJ
emaj-71	154	15	sme	sme	NOUN
emaj-71	154	16	departments	department	NOUN
emaj-71	154	17	in	in	ADP
emaj-71	154	18	their	their	PRON
emaj-71	154	19	headquarters	headquarters	NOUN
emaj-71	154	20	,	,	PUNCT
emaj-71	154	21	where	where	SCONJ
emaj-71	154	22	the	the	DET
emaj-71	154	23	sme	sme	NOUN
emaj-71	154	24	strategies	strategy	NOUN
emaj-71	154	25	and	and	CCONJ
emaj-71	154	26	products	product	NOUN
emaj-71	154	27	are	be	AUX
emaj-71	154	28	developed	develop	VERB
emaj-71	154	29	.	.	PUNCT
emaj-71	155	1	while	while	SCONJ
emaj-71	155	2	some	some	DET
emaj-71	155	3	banks	bank	NOUN
emaj-71	155	4	are	be	AUX
emaj-71	155	5	more	more	ADV
emaj-71	155	6	aggressive	aggressive	ADJ
emaj-71	155	7	to	to	PART
emaj-71	155	8	offer	offer	VERB
emaj-71	155	9	the	the	DET
emaj-71	155	10	contemporary	contemporary	ADJ
emaj-71	155	11	‘	'	PUNCT
emaj-71	155	12	product	product	NOUN
emaj-71	155	13	bundles	bundle	NOUN
emaj-71	155	14	’	'	PUNCT
emaj-71	155	15	to	to	ADP
emaj-71	155	16	their	their	PRON
emaj-71	155	17	sme	sme	NOUN
emaj-71	155	18	customers	customer	NOUN
emaj-71	155	19	,	,	PUNCT
emaj-71	155	20	others	other	NOUN
emaj-71	155	21	continue	continue	VERB
emaj-71	155	22	to	to	PART
emaj-71	155	23	serve	serve	VERB
emaj-71	155	24	their	their	PRON
emaj-71	155	25	financial	financial	ADJ
emaj-71	155	26	services	service	NOUN
emaj-71	155	27	as	as	ADP
emaj-71	155	28	‘	'	PUNCT
emaj-71	155	29	separate	separate	ADJ
emaj-71	155	30	’	'	PUNCT
emaj-71	155	31	products	product	NOUN
emaj-71	155	32	or	or	CCONJ
emaj-71	155	33	services	service	NOUN
emaj-71	155	34	,	,	PUNCT
emaj-71	155	35	where	where	SCONJ
emaj-71	155	36	smes	sme	NOUN
emaj-71	155	37	pay	pay	VERB
emaj-71	155	38	a	a	DET
emaj-71	155	39	fee	fee	NOUN
emaj-71	155	40	for	for	ADP
emaj-71	155	41	each	each	DET
emaj-71	155	42	product	product	NOUN
emaj-71	155	43	or	or	CCONJ
emaj-71	155	44	service	service	NOUN
emaj-71	155	45	.	.	PUNCT
emaj-71	156	1	the	the	DET
emaj-71	156	2	most	most	ADV
emaj-71	156	3	common	common	ADJ
emaj-71	156	4	channels	channel	NOUN
emaj-71	156	5	of	of	ADP
emaj-71	156	6	sales	sale	NOUN
emaj-71	156	7	activities	activity	NOUN
emaj-71	156	8	are	be	AUX
emaj-71	156	9	the	the	DET
emaj-71	156	10	wide	wide	ADJ
emaj-71	156	11	branch	branch	NOUN
emaj-71	156	12	network	network	NOUN
emaj-71	156	13	and	and	CCONJ
emaj-71	156	14	specialized	specialized	ADJ
emaj-71	156	15	sme	sme	PROPN
emaj-71	156	16	relationship	relationship	NOUN
emaj-71	156	17	managers	manager	NOUN
emaj-71	156	18	,	,	PUNCT
emaj-71	156	19	however	however	ADV
emaj-71	156	20	almost	almost	ADV
emaj-71	156	21	every	every	DET
emaj-71	156	22	bank	bank	NOUN
emaj-71	156	23	has	have	VERB
emaj-71	156	24	also	also	ADV
emaj-71	156	25	active	active	ADJ
emaj-71	156	26	online	online	ADJ
emaj-71	156	27	sme	sme	PROPN
emaj-71	156	28	services	services	PROPN
emaj-71	156	29	.	.	PUNCT
emaj-71	157	1	some	some	DET
emaj-71	157	2	banks	bank	NOUN
emaj-71	157	3	,	,	PUNCT
emaj-71	157	4	such	such	ADJ
emaj-71	157	5	as	as	ADP
emaj-71	157	6	garanti	garanti	PROPN
emaj-71	157	7	,	,	PUNCT
emaj-71	157	8	are	be	AUX
emaj-71	157	9	more	more	ADJ
emaj-71	157	10	technology	technology	NOUN
emaj-71	157	11	oriented	orient	VERB
emaj-71	157	12	in	in	ADP
emaj-71	157	13	new	new	ADJ
emaj-71	157	14	product	product	NOUN
emaj-71	157	15	developments	development	NOUN
emaj-71	157	16	,	,	PUNCT
emaj-71	157	17	while	while	SCONJ
emaj-71	157	18	others	other	NOUN
emaj-71	157	19	like	like	ADP
emaj-71	157	20	teb	teb	PROPN
emaj-71	157	21	focus	focus	NOUN
emaj-71	157	22	on	on	ADP
emaj-71	157	23	nonfinancial	nonfinancial	ADJ
emaj-71	157	24	services	service	NOUN
emaj-71	157	25	for	for	ADP
emaj-71	157	26	gaining	gain	VERB
emaj-71	157	27	new	new	ADJ
emaj-71	157	28	customers	customer	NOUN
emaj-71	157	29	and	and	CCONJ
emaj-71	157	30	deepening	deepen	VERB
emaj-71	157	31	their	their	PRON
emaj-71	157	32	existing	exist	VERB
emaj-71	157	33	relationships	relationship	NOUN
emaj-71	157	34	with	with	ADP
emaj-71	157	35	the	the	DET
emaj-71	157	36	sme	sme	PROPN
emaj-71	157	37	segment	segment	PROPN
emaj-71	157	38	.	.	PUNCT
emaj-71	158	1	conclusion	conclusion	NOUN
emaj-71	158	2	banking	bank	VERB
emaj-71	158	3	smes	sme	NOUN
emaj-71	158	4	is	be	AUX
emaj-71	158	5	a	a	DET
emaj-71	158	6	topic	topic	NOUN
emaj-71	158	7	which	which	PRON
emaj-71	158	8	has	have	AUX
emaj-71	158	9	been	be	AUX
emaj-71	158	10	attracting	attract	VERB
emaj-71	158	11	the	the	DET
emaj-71	158	12	interest	interest	NOUN
emaj-71	158	13	of	of	ADP
emaj-71	158	14	academics	academic	NOUN
emaj-71	158	15	and	and	CCONJ
emaj-71	158	16	practitioners	practitioner	NOUN
emaj-71	158	17	particularly	particularly	ADV
emaj-71	158	18	within	within	ADP
emaj-71	158	19	the	the	DET
emaj-71	158	20	last	last	ADJ
emaj-71	158	21	decades	decade	NOUN
emaj-71	158	22	.	.	PUNCT
emaj-71	159	1	as	as	SCONJ
emaj-71	159	2	banks	bank	NOUN
emaj-71	159	3	are	be	AUX
emaj-71	159	4	traditionally	traditionally	ADV
emaj-71	159	5	regarded	regard	VERB
emaj-71	159	6	as	as	ADP
emaj-71	159	7	the	the	DET
emaj-71	159	8	major	major	ADJ
emaj-71	159	9	funding	funding	NOUN
emaj-71	159	10	sources	source	NOUN
emaj-71	159	11	of	of	ADP
emaj-71	159	12	smes	sme	NOUN
emaj-71	159	13	,	,	PUNCT
emaj-71	159	14	the	the	DET
emaj-71	159	15	drivers	driver	NOUN
emaj-71	159	16	and	and	CCONJ
emaj-71	159	17	challenges	challenge	NOUN
emaj-71	159	18	of	of	ADP
emaj-71	159	19	sme	sme	NOUN
emaj-71	159	20	lending	lending	NOUN
emaj-71	159	21	has	have	AUX
emaj-71	159	22	been	be	AUX
emaj-71	159	23	the	the	DET
emaj-71	159	24	main	main	ADJ
emaj-71	159	25	focus	focus	NOUN
emaj-71	159	26	of	of	ADP
emaj-71	159	27	academic	academic	ADJ
emaj-71	159	28	studies	study	NOUN
emaj-71	159	29	,	,	PUNCT
emaj-71	159	30	to	to	ADP
emaj-71	159	31	date	date	NOUN
emaj-71	159	32	.	.	PUNCT
emaj-71	160	1	however	however	ADV
emaj-71	160	2	,	,	PUNCT
emaj-71	160	3	with	with	ADP
emaj-71	160	4	the	the	DET
emaj-71	160	5	recent	recent	ADJ
emaj-71	160	6	developments	development	NOUN
emaj-71	160	7	in	in	ADP
emaj-71	160	8	the	the	DET
emaj-71	160	9	industry	industry	NOUN
emaj-71	160	10	,	,	PUNCT
emaj-71	160	11	sme	sme	ADJ
emaj-71	160	12	banking	banking	NOUN
emaj-71	160	13	is	be	AUX
emaj-71	160	14	shifting	shift	VERB
emaj-71	160	15	to	to	ADP
emaj-71	160	16	a	a	DET
emaj-71	160	17	non	non	ADJ
emaj-71	160	18	-	-	ADJ
emaj-71	160	19	lending	lending	ADJ
emaj-71	160	20	dimension	dimension	NOUN
emaj-71	160	21	,	,	PUNCT
emaj-71	160	22	mainly	mainly	ADV
emaj-71	160	23	due	due	ADP
emaj-71	160	24	to	to	ADP
emaj-71	160	25	the	the	DET
emaj-71	160	26	challenges	challenge	NOUN
emaj-71	160	27	and	and	CCONJ
emaj-71	160	28	risks	risk	NOUN
emaj-71	160	29	related	relate	VERB
emaj-71	160	30	with	with	ADP
emaj-71	160	31	sme	sme	NOUN
emaj-71	160	32	loans	loan	NOUN
emaj-71	160	33	.	.	PUNCT
emaj-71	161	1	thus	thus	ADV
emaj-71	161	2	,	,	PUNCT
emaj-71	161	3	cross	cross	NOUN
emaj-71	161	4	-	-	ADJ
emaj-71	161	5	selling	selling	NOUN
emaj-71	161	6	of	of	ADP
emaj-71	161	7	non	non	ADJ
emaj-71	161	8	-	-	ADJ
emaj-71	161	9	lending	lending	ADJ
emaj-71	161	10	products	product	NOUN
emaj-71	161	11	is	be	AUX
emaj-71	161	12	perceived	perceive	VERB
emaj-71	161	13	as	as	ADP
emaj-71	161	14	a	a	DET
emaj-71	161	15	major	major	ADJ
emaj-71	161	16	strategy	strategy	NOUN
emaj-71	161	17	for	for	ADP
emaj-71	161	18	increased	increase	VERB
emaj-71	161	19	profitability	profitability	NOUN
emaj-71	161	20	by	by	ADP
emaj-71	161	21	a	a	DET
emaj-71	161	22	majority	majority	NOUN
emaj-71	161	23	of	of	ADP
emaj-71	161	24	banks	bank	NOUN
emaj-71	161	25	,	,	PUNCT
emaj-71	161	26	which	which	PRON
emaj-71	161	27	also	also	ADV
emaj-71	161	28	indicates	indicate	VERB
emaj-71	161	29	a	a	DET
emaj-71	161	30	strong	strong	ADJ
emaj-71	161	31	need	need	NOUN
emaj-71	161	32	for	for	ADP
emaj-71	161	33	scholarly	scholarly	ADJ
emaj-71	161	34	interest	interest	NOUN
emaj-71	161	35	to	to	ADP
emaj-71	161	36	this	this	DET
emaj-71	161	37	field	field	NOUN
emaj-71	161	38	.	.	PUNCT
emaj-71	162	1	in	in	ADP
emaj-71	162	2	this	this	DET
emaj-71	162	3	analysis	analysis	NOUN
emaj-71	162	4	,	,	PUNCT
emaj-71	162	5	we	we	PRON
emaj-71	162	6	aimed	aim	VERB
emaj-71	162	7	to	to	PART
emaj-71	162	8	focus	focus	VERB
emaj-71	162	9	on	on	ADP
emaj-71	162	10	the	the	DET
emaj-71	162	11	approach	approach	NOUN
emaj-71	162	12	of	of	ADP
emaj-71	162	13	banks	bank	NOUN
emaj-71	162	14	operating	operate	VERB
emaj-71	162	15	in	in	ADP
emaj-71	162	16	turkey	turkey	NOUN
emaj-71	162	17	to	to	ADP
emaj-71	162	18	this	this	DET
emaj-71	162	19	recent	recent	ADJ
emaj-71	162	20	phenomenon	phenomenon	NOUN
emaj-71	162	21	,	,	PUNCT
emaj-71	162	22	by	by	ADP
emaj-71	162	23	investigating	investigate	VERB
emaj-71	162	24	their	their	PRON
emaj-71	162	25	business	business	NOUN
emaj-71	162	26	models	model	NOUN
emaj-71	162	27	,	,	PUNCT
emaj-71	162	28	strategies	strategy	NOUN
emaj-71	162	29	and	and	CCONJ
emaj-71	162	30	implementation	implementation	NOUN
emaj-71	162	31	practices	practice	NOUN
emaj-71	162	32	with	with	ADP
emaj-71	162	33	respect	respect	NOUN
emaj-71	162	34	to	to	ADP
emaj-71	162	35	increasing	increase	VERB
emaj-71	162	36	the	the	DET
emaj-71	162	37	sales	sale	NOUN
emaj-71	162	38	volumes	volume	NOUN
emaj-71	162	39	of	of	ADP
emaj-71	162	40	non	non	ADJ
emaj-71	162	41	-	-	ADJ
emaj-71	162	42	lending	lending	ADJ
emaj-71	162	43	products	product	NOUN
emaj-71	162	44	/	/	SYM
emaj-71	162	45	services	service	NOUN
emaj-71	162	46	to	to	ADP
emaj-71	162	47	sme	sme	NOUN
emaj-71	162	48	customers	customer	NOUN
emaj-71	162	49	.	.	PUNCT
emaj-71	163	1	the	the	DET
emaj-71	163	2	results	result	NOUN
emaj-71	163	3	of	of	ADP
emaj-71	163	4	our	our	PRON
emaj-71	163	5	analysis	analysis	NOUN
emaj-71	163	6	showed	show	VERB
emaj-71	163	7	that	that	SCONJ
emaj-71	163	8	,	,	PUNCT
emaj-71	163	9	in	in	ADP
emaj-71	163	10	turkey	turkey	NOUN
emaj-71	163	11	,	,	PUNCT
emaj-71	163	12	banks	bank	NOUN
emaj-71	163	13	serving	serve	VERB
emaj-71	163	14	smes	sme	NOUN
emaj-71	163	15	have	have	VERB
emaj-71	163	16	high	high	ADJ
emaj-71	163	17	expectations	expectation	NOUN
emaj-71	163	18	about	about	ADP
emaj-71	163	19	the	the	DET
emaj-71	163	20	fast	fast	ADJ
emaj-71	163	21	growth	growth	NOUN
emaj-71	163	22	of	of	ADP
emaj-71	163	23	the	the	DET
emaj-71	163	24	market	market	NOUN
emaj-71	163	25	and	and	CCONJ
emaj-71	163	26	have	have	AUX
emaj-71	163	27	carefully	carefully	ADV
emaj-71	163	28	been	be	AUX
emaj-71	163	29	following	follow	VERB
emaj-71	163	30	(	(	PUNCT
emaj-71	163	31	and	and	CCONJ
emaj-71	163	32	sometimes	sometimes	ADV
emaj-71	163	33	launching	launch	VERB
emaj-71	163	34	)	)	PUNCT
emaj-71	163	35	best	good	ADJ
emaj-71	163	36	practices	practice	NOUN
emaj-71	163	37	for	for	ADP
emaj-71	163	38	increasing	increase	VERB
emaj-71	163	39	the	the	DET
emaj-71	163	40	number	number	NOUN
emaj-71	163	41	of	of	ADP
emaj-71	163	42	products	product	NOUN
emaj-71	163	43	/	/	SYM
emaj-71	163	44	services	service	NOUN
emaj-71	163	45	sold	sell	VERB
emaj-71	163	46	to	to	ADP
emaj-71	163	47	an	an	DET
emaj-71	163	48	sme	sme	NOUN
emaj-71	163	49	,	,	PUNCT
emaj-71	163	50	such	such	ADJ
emaj-71	163	51	as	as	ADP
emaj-71	163	52	decentralizing	decentralize	VERB
emaj-71	163	53	the	the	DET
emaj-71	163	54	sales	sale	NOUN
emaj-71	163	55	activities	activity	NOUN
emaj-71	163	56	to	to	ADP
emaj-71	163	57	branches	branch	NOUN
emaj-71	163	58	,	,	PUNCT
emaj-71	163	59	deepening	deepen	VERB
emaj-71	163	60	and	and	CCONJ
emaj-71	163	61	strengthening	strengthen	VERB
emaj-71	163	62	customer	customer	NOUN
emaj-71	163	63	relationships	relationship	NOUN
emaj-71	163	64	through	through	ADP
emaj-71	163	65	non	non	ADJ
emaj-71	163	66	-	-	ADJ
emaj-71	163	67	financial	financial	ADJ
emaj-71	163	68	services	service	NOUN
emaj-71	163	69	,	,	PUNCT
emaj-71	163	70	evaluating	evaluate	VERB
emaj-71	163	71	the	the	DET
emaj-71	163	72	efficiency	efficiency	NOUN
emaj-71	163	73	of	of	ADP
emaj-71	163	74	customer	customer	NOUN
emaj-71	163	75	and	and	CCONJ
emaj-71	163	76	product	product	NOUN
emaj-71	163	77	portfolios	portfolio	NOUN
emaj-71	163	78	and	and	CCONJ
emaj-71	163	79	focusing	focus	VERB
emaj-71	163	80	on	on	ADP
emaj-71	163	81	development	development	NOUN
emaj-71	163	82	of	of	ADP
emaj-71	163	83	products	product	NOUN
emaj-71	163	84	for	for	ADP
emaj-71	163	85	meeting	meet	VERB
emaj-71	163	86	the	the	DET
emaj-71	163	87	specific	specific	ADJ
emaj-71	163	88	requirements	requirement	NOUN
emaj-71	163	89	of	of	ADP
emaj-71	163	90	the	the	DET
emaj-71	163	91	smes	sme	NOUN
emaj-71	163	92	.	.	PUNCT
emaj-71	164	1	as	as	SCONJ
emaj-71	164	2	this	this	DET
emaj-71	164	3	research	research	NOUN
emaj-71	164	4	area	area	NOUN
emaj-71	164	5	is	be	AUX
emaj-71	164	6	newly	newly	ADV
emaj-71	164	7	developing	developing	ADJ
emaj-71	164	8	,	,	PUNCT
emaj-71	164	9	further	further	ADJ
emaj-71	164	10	studies	study	NOUN
emaj-71	164	11	can	can	AUX
emaj-71	164	12	focus	focus	VERB
emaj-71	164	13	on	on	ADP
emaj-71	164	14	the	the	DET
emaj-71	164	15	financial	financial	ADJ
emaj-71	164	16	or	or	CCONJ
emaj-71	164	17	overall	overall	ADJ
emaj-71	164	18	performance	performance	NOUN
emaj-71	164	19	results	result	NOUN
emaj-71	164	20	of	of	ADP
emaj-71	164	21	the	the	DET
emaj-71	164	22	pursued	pursue	VERB
emaj-71	164	23	strategies	strategy	NOUN
emaj-71	164	24	of	of	ADP
emaj-71	164	25	the	the	DET
emaj-71	164	26	banks	bank	NOUN
emaj-71	164	27	or	or	CCONJ
emaj-71	164	28	cross	cross	ADJ
emaj-71	164	29	-	-	ADJ
emaj-71	164	30	country	country	ADJ
emaj-71	164	31	evaluations	evaluation	NOUN
emaj-71	164	32	,	,	PUNCT
emaj-71	164	33	where	where	SCONJ
emaj-71	164	34	the	the	DET
emaj-71	164	35	cross	cross	NOUN
emaj-71	164	36	selling	sell	VERB
emaj-71	164	37	activities	activity	NOUN
emaj-71	164	38	of	of	ADP
emaj-71	164	39	banking	banking	NOUN
emaj-71	164	40	industries	industry	NOUN
emaj-71	164	41	in	in	ADP
emaj-71	164	42	selected	select	VERB
emaj-71	164	43	countries	country	NOUN
emaj-71	164	44	can	can	AUX
emaj-71	164	45	be	be	AUX
emaj-71	164	46	compared	compare	VERB
emaj-71	164	47	with	with	ADP
emaj-71	164	48	each	each	DET
emaj-71	164	49	other	other	ADJ
emaj-71	164	50	.	.	PUNCT
emaj-71	165	1	references	reference	NOUN
emaj-71	165	2	:	:	PUNCT
emaj-71	165	3	abdulsaleh	abdulsaleh	ADJ
emaj-71	165	4	,	,	PUNCT
emaj-71	165	5	m.a	m.a	PROPN
emaj-71	165	6	.	.	PROPN
emaj-71	165	7	,and	,and	PUNCT
emaj-71	165	8	worthington	worthington	PROPN
emaj-71	165	9	,	,	PUNCT
emaj-71	165	10	c.a.(2013	c.a.(2013	PROPN
emaj-71	165	11	)	)	PUNCT
emaj-71	165	12	.	.	PUNCT
emaj-71	166	1	small	small	ADJ
emaj-71	166	2	and	and	CCONJ
emaj-71	166	3	medium	medium	ADJ
emaj-71	166	4	sized	sized	ADJ
emaj-71	166	5	volume	volume	NOUN
emaj-71	166	6	5	5	NUM
emaj-71	166	7	no	no	DET
emaj-71	166	8	1	1	NUM
emaj-71	166	9	(	(	PUNCT
emaj-71	166	10	2015	2015	NUM
emaj-71	166	11	)	)	PUNCT
emaj-71	166	12	|	|	ADV
emaj-71	166	13	issn	issn	VERB
emaj-71	166	14	2158	2158	NUM
emaj-71	166	15	-	-	SYM
emaj-71	166	16	8708	8708	NUM
emaj-71	166	17	(	(	PUNCT
emaj-71	166	18	online	online	NOUN
emaj-71	166	19	)	)	PUNCT
emaj-71	166	20	|	|	ADV
emaj-71	166	21	doi	doi	X
emaj-71	166	22	10.5195	10.5195	NUM
emaj-71	166	23	/	/	SYM
emaj-71	166	24	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	166	25	|	|	ADV
emaj-71	166	26	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	166	27	hande	hande	PROPN
emaj-71	166	28	karadag	karadag	PROPN
emaj-71	166	29	,	,	PUNCT
emaj-71	166	30	vedat	vedat	NOUN
emaj-71	166	31	akman	akman	NOUN
emaj-71	166	32	emerging	emerge	VERB
emaj-71	166	33	markets	market	NOUN
emaj-71	166	34	journal	journal	NOUN
emaj-71	167	1	|	|	ADV
emaj-71	167	2	p	p	NOUN
emaj-71	167	3	a	a	DET
emaj-71	167	4	g	g	NOUN
emaj-71	167	5	e	e	NOUN
emaj-71	167	6	|89	|89	PROPN
emaj-71	167	7	enterprises	enterprise	NOUN
emaj-71	167	8	financing	financing	NOUN
emaj-71	167	9	:	:	PUNCT
emaj-71	167	10	a	a	DET
emaj-71	167	11	review	review	NOUN
emaj-71	167	12	of	of	ADP
emaj-71	167	13	literature	literature	NOUN
emaj-71	167	14	.	.	PUNCT
emaj-71	168	1	international	international	ADJ
emaj-71	168	2	journal	journal	PROPN
emaj-71	168	3	of	of	ADP
emaj-71	168	4	business	business	NOUN
emaj-71	168	5	and	and	CCONJ
emaj-71	168	6	management	management	NOUN
emaj-71	168	7	.	.	PUNCT
emaj-71	169	1	8(14	8(14	NUM
emaj-71	169	2	):	):	PUNCT
emaj-71	169	3	3543	3543	NUM
emaj-71	169	4	.	.	PUNCT
emaj-71	170	1	akbank	akbank	VERB
emaj-71	170	2	t.a.s	t.a.s	ADJ
emaj-71	170	3	.	.	PUNCT
emaj-71	171	1	annual	annual	ADJ
emaj-71	171	2	report	report	NOUN
emaj-71	171	3	,	,	PUNCT
emaj-71	171	4	(	(	PUNCT
emaj-71	171	5	2013	2013	NUM
emaj-71	171	6	)	)	PUNCT
emaj-71	171	7	.	.	PUNCT
emaj-71	172	1	http:/	http:/	PROPN
emaj-71	173	1	/www	/www	INTJ
emaj-71	173	2	.	.	PUNCT
emaj-71	174	1	akbank	akbank	NOUN
emaj-71	174	2	.	.	PUNCT
emaj-71	175	1	com/	com/	NOUN
emaj-71	175	2	documents	document	NOUN
emaj-71	175	3	/akbank	/akbank	PUNCT
emaj-71	176	1	_	_	DET
emaj-71	176	2	an	an	DET
emaj-71	176	3	nual_report_2013.pdf	nual_report_2013.pdf	PROPN
emaj-71	176	4	ardic	ardic	ADJ
emaj-71	176	5	,	,	PUNCT
emaj-71	176	6	o.	o.	PROPN
emaj-71	176	7	;	;	PUNCT
emaj-71	176	8	mylenko	mylenko	NOUN
emaj-71	176	9	,	,	PUNCT
emaj-71	176	10	n.	n.	NOUN
emaj-71	176	11	and	and	CCONJ
emaj-71	176	12	saltane	saltane	NOUN
emaj-71	176	13	,	,	PUNCT
emaj-71	176	14	v.	v.	PROPN
emaj-71	176	15	(	(	PUNCT
emaj-71	176	16	2011	2011	NUM
emaj-71	176	17	)	)	PUNCT
emaj-71	176	18	.	.	PUNCT
emaj-71	177	1	small	small	ADJ
emaj-71	177	2	and	and	CCONJ
emaj-71	177	3	medium	medium	ADJ
emaj-71	177	4	enterprises	enterprise	NOUN
emaj-71	177	5	a	a	DET
emaj-71	177	6	cross	cross	ADJ
emaj-71	177	7	-	-	ADJ
emaj-71	177	8	country	country	ADJ
emaj-71	177	9	analysis	analysis	NOUN
emaj-71	177	10	with	with	ADP
emaj-71	177	11	a	a	DET
emaj-71	177	12	new	new	ADJ
emaj-71	177	13	data	datum	NOUN
emaj-71	177	14	set	set	VERB
emaj-71	177	15	.	.	PUNCT
emaj-71	178	1	world	world	PROPN
emaj-71	178	2	bank	bank	PROPN
emaj-71	178	3	policy	policy	NOUN
emaj-71	178	4	research	research	NOUN
emaj-71	178	5	paper	paper	NOUN
emaj-71	178	6	5538	5538	NUM
emaj-71	178	7	.	.	PUNCT
emaj-71	179	1	arı	arı	PROPN
emaj-71	179	2	,	,	PUNCT
emaj-71	179	3	a.	a.	NOUN
emaj-71	179	4	(	(	PUNCT
emaj-71	179	5	2013	2013	NUM
emaj-71	179	6	)	)	PUNCT
emaj-71	179	7	.	.	PUNCT
emaj-71	180	1	kobi̇’ler	kobi̇’ler	NOUN
emaj-71	180	2	,	,	PUNCT
emaj-71	180	3	esnaf	esnaf	PROPN
emaj-71	180	4	ve	ve	VERB
emaj-71	180	5	sanatkarlar	sanatkarlar	ADJ
emaj-71	180	6	özel	özel	ADJ
emaj-71	180	7	i̇htisas	i̇htisa	NOUN
emaj-71	180	8	komisyonu	komisyonu	NOUN
emaj-71	180	9	raporu	raporu	NOUN
emaj-71	180	10	.	.	PUNCT
emaj-71	181	1	trakya	trakya	PROPN
emaj-71	181	2	kalkınma	kalkınma	PROPN
emaj-71	181	3	ajansı	ajansı	PROPN
emaj-71	181	4	.	.	PUNCT
emaj-71	182	1	http://www.trakya2023.com/uploads/do	http://www.trakya2023.com/uploads/do	PROPN
emaj-71	182	2	cs/09072013yl8aau.pdf	cs/09072013yl8aau.pdf	PROPN
emaj-71	182	3	.	.	PROPN
emaj-71	182	4	arslan	arslan	PROPN
emaj-71	182	5	,	,	PUNCT
emaj-71	182	6	ö.	ö.	PROPN
emaj-71	182	7	(	(	PUNCT
emaj-71	182	8	2003	2003	NUM
emaj-71	182	9	)	)	PUNCT
emaj-71	182	10	.	.	PUNCT
emaj-71	183	1	küçük	küçük	PROPN
emaj-71	183	2	ve	ve	PROPN
emaj-71	183	3	orta	orta	PROPN
emaj-71	183	4	ölçekli	ölçekli	PROPN
emaj-71	183	5	işletmelerde	işletmelerde	NOUN
emaj-71	183	6	çalışma	çalışma	PROPN
emaj-71	183	7	sermayesi	sermayesi	PROPN
emaj-71	183	8	ve	ve	VERB
emaj-71	183	9	bazı	bazı	ADJ
emaj-71	183	10	finansal	finansal	NOUN
emaj-71	183	11	yönetim	yönetim	ADJ
emaj-71	183	12	uygulamaları	uygulamaları	VERB
emaj-71	183	13	.	.	PUNCT
emaj-71	184	1	cumhuriyet	cumhuriyet	PROPN
emaj-71	184	2	üniversitesi	üniversitesi	PROPN
emaj-71	184	3	,	,	PUNCT
emaj-71	184	4	i̇.i̇.b.f	i̇.i̇.b.f	PROPN
emaj-71	184	5	.	.	PUNCT
emaj-71	185	1	dergisi	dergisi	PROPN
emaj-71	185	2	,	,	PUNCT
emaj-71	185	3	4	4	NUM
emaj-71	185	4	(	(	PUNCT
emaj-71	185	5	1	1	NUM
emaj-71	185	6	):	):	PUNCT
emaj-71	185	7	121	121	NUM
emaj-71	185	8	-	-	SYM
emaj-71	185	9	135	135	NUM
emaj-71	185	10	.	.	PUNCT
emaj-71	186	1	ayyagari	ayyagari	PROPN
emaj-71	186	2	,	,	PUNCT
emaj-71	186	3	m.	m.	NOUN
emaj-71	186	4	,	,	PUNCT
emaj-71	186	5	beck	beck	PROPN
emaj-71	186	6	,	,	PUNCT
emaj-71	186	7	t.	t.	PROPN
emaj-71	186	8	,	,	PUNCT
emaj-71	186	9	&	&	CCONJ
emaj-71	186	10	demirguc	demirguc	PROPN
emaj-71	186	11	-	-	PUNCT
emaj-71	186	12	kunt	kunt	PROPN
emaj-71	186	13	,	,	PUNCT
emaj-71	186	14	a.	a.	NOUN
emaj-71	186	15	(	(	PUNCT
emaj-71	186	16	2007	2007	NUM
emaj-71	186	17	)	)	PUNCT
emaj-71	186	18	.	.	PUNCT
emaj-71	187	1	small	small	ADJ
emaj-71	187	2	and	and	CCONJ
emaj-71	187	3	medium	medium	ADJ
emaj-71	187	4	enterprises	enterprise	NOUN
emaj-71	187	5	across	across	ADP
emaj-71	187	6	the	the	DET
emaj-71	187	7	globe	globe	NOUN
emaj-71	187	8	.	.	PUNCT
emaj-71	188	1	small	small	ADJ
emaj-71	188	2	business	business	NOUN
emaj-71	188	3	economics	economic	NOUN
emaj-71	188	4	,	,	PUNCT
emaj-71	188	5	29(4	29(4	NOUN
emaj-71	188	6	)	)	PUNCT
emaj-71	188	7	,	,	PUNCT
emaj-71	188	8	415	415	NUM
emaj-71	188	9	-	-	SYM
emaj-71	188	10	434	434	NUM
emaj-71	188	11	.	.	PUNCT
emaj-71	188	12	beck	beck	NOUN
emaj-71	188	13	,	,	PUNCT
emaj-71	188	14	t.	t.	PROPN
emaj-71	188	15	(	(	PUNCT
emaj-71	188	16	2010	2010	NUM
emaj-71	188	17	)	)	PUNCT
emaj-71	188	18	.	.	PUNCT
emaj-71	189	1	sme	sme	PROPN
emaj-71	189	2	finance	finance	PROPN
emaj-71	189	3	:	:	PUNCT
emaj-71	189	4	what	what	PRON
emaj-71	189	5	have	have	AUX
emaj-71	189	6	we	we	PRON
emaj-71	189	7	learned	learn	VERB
emaj-71	189	8	and	and	CCONJ
emaj-71	189	9	what	what	PRON
emaj-71	189	10	do	do	AUX
emaj-71	189	11	we	we	PRON
emaj-71	189	12	need	need	VERB
emaj-71	189	13	to	to	PART
emaj-71	189	14	learn	learn	VERB
emaj-71	189	15	?	?	PUNCT
emaj-71	190	1	the	the	DET
emaj-71	190	2	financial	financial	PROPN
emaj-71	190	3	development	development	NOUN
emaj-71	190	4	report	report	NOUN
emaj-71	190	5	:	:	PUNCT
emaj-71	190	6	187	187	NUM
emaj-71	190	7	-	-	SYM
emaj-71	190	8	195	195	NUM
emaj-71	190	9	.	.	PUNCT
emaj-71	190	10	berger	berger	PROPN
emaj-71	190	11	,	,	PUNCT
emaj-71	190	12	a.	a.	PROPN
emaj-71	190	13	n.	n.	PROPN
emaj-71	190	14	,	,	PUNCT
emaj-71	190	15	&	&	CCONJ
emaj-71	190	16	udell	udell	PROPN
emaj-71	190	17	,	,	PUNCT
emaj-71	190	18	g.	g.	PROPN
emaj-71	190	19	f.	f.	PROPN
emaj-71	190	20	(	(	PUNCT
emaj-71	190	21	2006	2006	NUM
emaj-71	190	22	)	)	PUNCT
emaj-71	190	23	.	.	PUNCT
emaj-71	191	1	a	a	DET
emaj-71	191	2	more	more	ADV
emaj-71	191	3	complete	complete	ADJ
emaj-71	191	4	conceptual	conceptual	ADJ
emaj-71	191	5	framework	framework	NOUN
emaj-71	191	6	for	for	ADP
emaj-71	191	7	sme	sme	NOUN
emaj-71	191	8	finance	finance	PROPN
emaj-71	191	9	.	.	PUNCT
emaj-71	192	1	journal	journal	PROPN
emaj-71	192	2	of	of	ADP
emaj-71	192	3	banking	banking	NOUN
emaj-71	192	4	&	&	CCONJ
emaj-71	192	5	finance	finance	NOUN
emaj-71	192	6	,	,	PUNCT
emaj-71	192	7	30(11	30(11	NUM
emaj-71	192	8	)	)	PUNCT
emaj-71	192	9	,	,	PUNCT
emaj-71	192	10	2945	2945	NUM
emaj-71	192	11	-	-	SYM
emaj-71	192	12	2966	2966	NUM
emaj-71	192	13	.	.	PUNCT
emaj-71	193	1	bddk	bddk	PROPN
emaj-71	193	2	,	,	PUNCT
emaj-71	193	3	banking	banking	NOUN
emaj-71	193	4	regulation	regulation	NOUN
emaj-71	193	5	and	and	CCONJ
emaj-71	193	6	supervision	supervision	NOUN
emaj-71	193	7	agency	agency	NOUN
emaj-71	193	8	of	of	ADP
emaj-71	193	9	turkey	turkey	PROPN
emaj-71	193	10	,	,	PUNCT
emaj-71	193	11	(	(	PUNCT
emaj-71	193	12	2014	2014	NUM
emaj-71	193	13	)	)	PUNCT
emaj-71	193	14	.	.	PUNCT
emaj-71	194	1	http://www.bddk.org.tr/	http://www.bddk.org.tr/	PROPN
emaj-71	194	2	websitesi	websitesi	PROPN
emaj-71	194	3	/	/	SYM
emaj-71	194	4	english	english	PROPN
emaj-71	194	5	/	/	SYM
emaj-71	194	6	statistical_data	statistical_data	PROPN
emaj-71	194	7	/	/	SYM
emaj-71	194	8	mo	mo	PROPN
emaj-71	194	9	nthly_reports	nthly_reports	PROPN
emaj-71	194	10	/	/	SYM
emaj-71	194	11	monthly_reports.aspx	monthly_reports.aspx	X
emaj-71	194	12	.	.	PUNCT
emaj-71	195	1	cook	cook	PROPN
emaj-71	195	2	,	,	PUNCT
emaj-71	195	3	p.	p.	NOUN
emaj-71	195	4	(	(	PUNCT
emaj-71	195	5	2001	2001	NUM
emaj-71	195	6	)	)	PUNCT
emaj-71	195	7	.	.	PUNCT
emaj-71	196	1	finance	finance	NOUN
emaj-71	196	2	and	and	CCONJ
emaj-71	196	3	small	small	ADJ
emaj-71	196	4	and	and	CCONJ
emaj-71	196	5	medium	medium	ADJ
emaj-71	196	6	-	-	PUNCT
emaj-71	196	7	sized	sized	ADJ
emaj-71	196	8	enterprise	enterprise	NOUN
emaj-71	196	9	in	in	ADP
emaj-71	196	10	developing	develop	VERB
emaj-71	196	11	countries	country	NOUN
emaj-71	196	12	.	.	PUNCT
emaj-71	197	1	journal	journal	NOUN
emaj-71	197	2	of	of	ADP
emaj-71	197	3	developmental	developmental	ADJ
emaj-71	197	4	entrepreneurship	entrepreneurship	NOUN
emaj-71	197	5	,	,	PUNCT
emaj-71	197	6	6(1	6(1	NUM
emaj-71	197	7	)	)	PUNCT
emaj-71	197	8	,	,	PUNCT
emaj-71	197	9	17	17	NUM
emaj-71	197	10	-	-	SYM
emaj-71	197	11	40	40	NUM
emaj-71	197	12	.	.	PUNCT
emaj-71	198	1	çetin	çetin	PROPN
emaj-71	198	2	,	,	PUNCT
emaj-71	198	3	a.	a.	PROPN
emaj-71	198	4	c.	c.	PROPN
emaj-71	198	5	;	;	PUNCT
emaj-71	198	6	akyüz	akyüz	PROPN
emaj-71	198	7	,	,	PUNCT
emaj-71	198	8	y	y	PROPN
emaj-71	198	9	;	;	PUNCT
emaj-71	198	10	&	&	CCONJ
emaj-71	198	11	genç	genç	PROPN
emaj-71	198	12	e.	e.	PROPN
emaj-71	198	13	(	(	PUNCT
emaj-71	198	14	2011	2011	NUM
emaj-71	198	15	)	)	PUNCT
emaj-71	198	16	.	.	PUNCT
emaj-71	199	1	küresel	küresel	PROPN
emaj-71	199	2	kriz	kriz	PROPN
emaj-71	199	3	sürecinde	sürecinde	VERB
emaj-71	199	4	imalat	imalat	PROPN
emaj-71	199	5	sanayi	sanayi	VERB
emaj-71	199	6	işletmelerinin	işletmelerinin	PROPN
emaj-71	199	7	finansal	finansal	PROPN
emaj-71	199	8	sorunlarının	sorunlarının	NOUN
emaj-71	199	9	değerlendirilmesi	değerlendirilmesi	VERB
emaj-71	199	10	uşak	uşak	PROPN
emaj-71	199	11	ili	ili	PROPN
emaj-71	199	12	orneği	orneği	PROPN
emaj-71	199	13	.	.	PUNCT
emaj-71	200	1	journal	journal	PROPN
emaj-71	200	2	of	of	ADP
emaj-71	200	3	suleyman	suleyman	NOUN
emaj-71	200	4	demirel	demirel	PROPN
emaj-71	200	5	university	university	PROPN
emaj-71	200	6	institute	institute	NOUN
emaj-71	200	7	of	of	ADP
emaj-71	200	8	social	social	ADJ
emaj-71	200	9	sciences	science	NOUN
emaj-71	200	10	,	,	PUNCT
emaj-71	200	11	1(13	1(13	NUM
emaj-71	200	12	):	):	PUNCT
emaj-71	200	13	55	55	NUM
emaj-71	200	14	-	-	SYM
emaj-71	200	15	68	68	NUM
emaj-71	200	16	.	.	PUNCT
emaj-71	200	17	de	de	PROPN
emaj-71	200	18	la	la	X
emaj-71	200	19	torre	torre	PROPN
emaj-71	200	20	,	,	PUNCT
emaj-71	200	21	a.	a.	PROPN
emaj-71	200	22	,	,	PUNCT
emaj-71	200	23	martínez	martínez	PROPN
emaj-71	200	24	pería	pería	NOUN
emaj-71	200	25	,	,	PUNCT
emaj-71	200	26	m.	m.	NOUN
emaj-71	200	27	s.	s.	PROPN
emaj-71	200	28	,	,	PUNCT
emaj-71	200	29	&	&	CCONJ
emaj-71	200	30	schmukler	schmukler	PROPN
emaj-71	200	31	,	,	PUNCT
emaj-71	200	32	s.	s.	PROPN
emaj-71	200	33	l.	l.	PROPN
emaj-71	200	34	(	(	PUNCT
emaj-71	200	35	2010	2010	NUM
emaj-71	200	36	)	)	PUNCT
emaj-71	200	37	.	.	PUNCT
emaj-71	201	1	bank	bank	NOUN
emaj-71	201	2	involvement	involvement	NOUN
emaj-71	201	3	with	with	ADP
emaj-71	201	4	smes	sme	NOUN
emaj-71	201	5	:	:	PUNCT
emaj-71	201	6	beyond	beyond	ADP
emaj-71	201	7	volume	volume	NOUN
emaj-71	201	8	5	5	NUM
emaj-71	201	9	no	no	DET
emaj-71	201	10	1	1	NUM
emaj-71	201	11	(	(	PUNCT
emaj-71	201	12	2015	2015	NUM
emaj-71	201	13	)	)	PUNCT
emaj-71	201	14	|	|	ADV
emaj-71	201	15	issn	issn	VERB
emaj-71	201	16	2158	2158	NUM
emaj-71	201	17	-	-	SYM
emaj-71	201	18	8708	8708	NUM
emaj-71	201	19	(	(	PUNCT
emaj-71	201	20	online	online	NOUN
emaj-71	201	21	)	)	PUNCT
emaj-71	201	22	|	|	ADV
emaj-71	201	23	doi	doi	X
emaj-71	201	24	10.5195	10.5195	NUM
emaj-71	201	25	/	/	SYM
emaj-71	201	26	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	201	27	|	|	ADV
emaj-71	201	28	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	201	29	the	the	DET
emaj-71	201	30	role	role	NOUN
emaj-71	201	31	of	of	ADP
emaj-71	201	32	cross	cross	NOUN
emaj-71	201	33	selling	selling	NOUN
emaj-71	201	34	in	in	ADP
emaj-71	201	35	sme	sme	PROPN
emaj-71	201	36	banking	banking	NOUN
emaj-71	201	37	:	:	PUNCT
emaj-71	201	38	an	an	DET
emaj-71	201	39	analysis	analysis	NOUN
emaj-71	201	40	from	from	ADP
emaj-71	201	41	turkey	turkey	NOUN
emaj-71	201	42	page	page	NOUN
emaj-71	201	43	|90|	|90|	NOUN
emaj-71	201	44	emerging	emerge	VERB
emaj-71	201	45	markets	market	NOUN
emaj-71	201	46	journal	journal	PROPN
emaj-71	201	47	relationship	relationship	NOUN
emaj-71	201	48	lending	lending	NOUN
emaj-71	201	49	.	.	PUNCT
emaj-71	202	1	journal	journal	PROPN
emaj-71	202	2	of	of	ADP
emaj-71	202	3	banking	banking	NOUN
emaj-71	202	4	&	&	CCONJ
emaj-71	202	5	finance	finance	NOUN
emaj-71	202	6	,	,	PUNCT
emaj-71	202	7	34(9	34(9	NUM
emaj-71	202	8	)	)	PUNCT
emaj-71	202	9	,	,	PUNCT
emaj-71	202	10	2280	2280	NUM
emaj-71	202	11	-	-	SYM
emaj-71	202	12	2293	2293	NUM
emaj-71	202	13	.	.	PUNCT
emaj-71	203	1	durkin	durkin	PROPN
emaj-71	203	2	,	,	PUNCT
emaj-71	203	3	m.	m.	NOUN
emaj-71	203	4	,	,	PUNCT
emaj-71	203	5	mcgowan	mcgowan	PROPN
emaj-71	203	6	,	,	PUNCT
emaj-71	203	7	p.	p.	PROPN
emaj-71	203	8	,	,	PUNCT
emaj-71	203	9	&	&	CCONJ
emaj-71	203	10	babb	babb	PROPN
emaj-71	203	11	,	,	PUNCT
emaj-71	203	12	c.	c.	PROPN
emaj-71	203	13	(	(	PUNCT
emaj-71	203	14	2013	2013	NUM
emaj-71	203	15	)	)	PUNCT
emaj-71	203	16	.	.	PUNCT
emaj-71	204	1	banking	banking	NOUN
emaj-71	204	2	support	support	NOUN
emaj-71	204	3	for	for	ADP
emaj-71	204	4	entrepreneurial	entrepreneurial	ADJ
emaj-71	204	5	new	new	ADJ
emaj-71	204	6	venturers	venturer	NOUN
emaj-71	204	7	:	:	PUNCT
emaj-71	204	8	toward	toward	ADP
emaj-71	204	9	greater	great	ADJ
emaj-71	204	10	mutual	mutual	ADJ
emaj-71	204	11	understanding	understanding	NOUN
emaj-71	204	12	.	.	PUNCT
emaj-71	205	1	journal	journal	NOUN
emaj-71	205	2	of	of	ADP
emaj-71	205	3	small	small	ADJ
emaj-71	205	4	business	business	NOUN
emaj-71	205	5	and	and	CCONJ
emaj-71	205	6	enterprise	enterprise	NOUN
emaj-71	205	7	development	development	NOUN
emaj-71	205	8	,	,	PUNCT
emaj-71	205	9	20(2	20(2	NUM
emaj-71	205	10	)	)	PUNCT
emaj-71	205	11	,	,	PUNCT
emaj-71	205	12	420	420	NUM
emaj-71	205	13	-	-	SYM
emaj-71	205	14	433	433	NUM
emaj-71	205	15	.	.	PUNCT
emaj-71	206	1	european	european	PROPN
emaj-71	206	2	commission	commission	PROPN
emaj-71	206	3	.	.	PUNCT
emaj-71	207	1	(	(	PUNCT
emaj-71	207	2	2012	2012	NUM
emaj-71	207	3	)	)	PUNCT
emaj-71	207	4	.	.	PUNCT
emaj-71	208	1	annual	annual	ADJ
emaj-71	208	2	report	report	NOUN
emaj-71	208	3	on	on	ADP
emaj-71	208	4	small	small	ADJ
emaj-71	208	5	and	and	CCONJ
emaj-71	208	6	medium	medium	ADJ
emaj-71	208	7	-	-	PUNCT
emaj-71	208	8	sized	sized	ADJ
emaj-71	208	9	enterprises	enterprise	NOUN
emaj-71	208	10	in	in	ADP
emaj-71	208	11	the	the	DET
emaj-71	208	12	eu	eu	PROPN
emaj-71	208	13	:	:	PUNCT
emaj-71	208	14	eu	eu	PROPN
emaj-71	208	15	smes	sme	NOUN
emaj-71	208	16	in	in	ADP
emaj-71	208	17	2012	2012	NUM
emaj-71	208	18	:	:	PUNCT
emaj-71	208	19	at	at	ADP
emaj-71	208	20	the	the	DET
emaj-71	208	21	crossroads	crossroad	NOUN
emaj-71	208	22	.	.	PUNCT
emaj-71	209	1	floyd	floyd	PROPN
emaj-71	209	2	,	,	PUNCT
emaj-71	209	3	d.	d.	PROPN
emaj-71	209	4	,	,	PUNCT
emaj-71	209	5	&	&	CCONJ
emaj-71	209	6	mcmanus	mcmanus	PROPN
emaj-71	209	7	,	,	PUNCT
emaj-71	209	8	j.	j.	PROPN
emaj-71	209	9	(	(	PUNCT
emaj-71	209	10	2005	2005	NUM
emaj-71	209	11	)	)	PUNCT
emaj-71	209	12	.	.	PUNCT
emaj-71	210	1	the	the	DET
emaj-71	210	2	role	role	NOUN
emaj-71	210	3	of	of	ADP
emaj-71	210	4	smes	sme	NOUN
emaj-71	210	5	in	in	ADP
emaj-71	210	6	improving	improve	VERB
emaj-71	210	7	the	the	DET
emaj-71	210	8	competitive	competitive	ADJ
emaj-71	210	9	position	position	NOUN
emaj-71	210	10	of	of	ADP
emaj-71	210	11	the	the	DET
emaj-71	210	12	european	european	PROPN
emaj-71	210	13	union	union	PROPN
emaj-71	210	14	.	.	PUNCT
emaj-71	211	1	european	european	PROPN
emaj-71	211	2	business	business	PROPN
emaj-71	211	3	review	review	PROPN
emaj-71	211	4	,	,	PUNCT
emaj-71	211	5	17(2	17(2	NUM
emaj-71	211	6	)	)	PUNCT
emaj-71	211	7	,	,	PUNCT
emaj-71	211	8	144150	144150	NUM
emaj-71	211	9	.	.	PUNCT
emaj-71	212	1	güler	güler	PROPN
emaj-71	212	2	,	,	PUNCT
emaj-71	212	3	s.	s.	PROPN
emaj-71	212	4	(	(	PUNCT
emaj-71	212	5	2010	2010	NUM
emaj-71	212	6	)	)	PUNCT
emaj-71	212	7	.	.	PUNCT
emaj-71	213	1	i̇stanbul	i̇stanbul	INTJ
emaj-71	213	2	menkul	menkul	ADJ
emaj-71	213	3	kıymetler	kıymetler	NOUN
emaj-71	213	4	borsası’na	borsası’na	PROPN
emaj-71	213	5	(	(	PUNCT
emaj-71	213	6	i̇mbk	i̇mbk	PROPN
emaj-71	213	7	)	)	PUNCT
emaj-71	213	8	kayıtlı	kayıtlı	VERB
emaj-71	213	9	küçük	küçük	PROPN
emaj-71	213	10	ve	ve	VERB
emaj-71	213	11	orta	orta	PROPN
emaj-71	213	12	büyüklükteki	büyüklükteki	PROPN
emaj-71	213	13	işletmelerin	işletmelerin	PROPN
emaj-71	213	14	(	(	PUNCT
emaj-71	213	15	kobi̇	kobi̇	VERB
emaj-71	213	16	)	)	PUNCT
emaj-71	213	17	sermaye	sermaye	VERB
emaj-71	213	18	yapıları	yapıları	ADJ
emaj-71	213	19	uzerine	uzerine	NOUN
emaj-71	213	20	bir	bir	PROPN
emaj-71	213	21	uygulama	uygulama	PROPN
emaj-71	213	22	.	.	PUNCT
emaj-71	214	1	suleyman	suleyman	NOUN
emaj-71	214	2	demirel	demirel	PROPN
emaj-71	214	3	university	university	PROPN
emaj-71	214	4	,	,	PUNCT
emaj-71	214	5	the	the	DET
emaj-71	214	6	journal	journal	NOUN
emaj-71	214	7	of	of	ADP
emaj-71	214	8	faculty	faculty	NOUN
emaj-71	214	9	of	of	ADP
emaj-71	214	10	economics	economic	NOUN
emaj-71	214	11	and	and	CCONJ
emaj-71	214	12	administrative	administrative	ADJ
emaj-71	214	13	sciences	science	NOUN
emaj-71	214	14	,	,	PUNCT
emaj-71	214	15	15(3	15(3	NUM
emaj-71	214	16	):	):	PUNCT
emaj-71	214	17	353371	353371	NUM
emaj-71	214	18	.	.	PUNCT
emaj-71	215	1	hallberg	hallberg	PROPN
emaj-71	215	2	,	,	PUNCT
emaj-71	215	3	k.	k.	PROPN
emaj-71	215	4	(	(	PUNCT
emaj-71	215	5	2000	2000	NUM
emaj-71	215	6	)	)	PUNCT
emaj-71	215	7	.	.	PUNCT
emaj-71	216	1	a	a	DET
emaj-71	216	2	market	market	NOUN
emaj-71	216	3	-	-	PUNCT
emaj-71	216	4	oriented	orient	VERB
emaj-71	216	5	strategy	strategy	NOUN
emaj-71	216	6	for	for	ADP
emaj-71	216	7	small	small	ADJ
emaj-71	216	8	and	and	CCONJ
emaj-71	216	9	medium	medium	ADJ
emaj-71	216	10	scale	scale	NOUN
emaj-71	216	11	enterprises	enterprise	NOUN
emaj-71	216	12	(	(	PUNCT
emaj-71	216	13	vol	vol	NOUN
emaj-71	216	14	.	.	PROPN
emaj-71	216	15	63	63	NUM
emaj-71	216	16	)	)	PUNCT
emaj-71	216	17	.	.	PUNCT
emaj-71	217	1	world	world	PROPN
emaj-71	217	2	bank	bank	PROPN
emaj-71	217	3	publications	publication	NOUN
emaj-71	217	4	.	.	PUNCT
emaj-71	218	1	hernández	hernández	PROPN
emaj-71	218	2	-	-	PUNCT
emaj-71	218	3	cánovas	cánovas	PROPN
emaj-71	218	4	,	,	PUNCT
emaj-71	218	5	g.	g.	PROPN
emaj-71	218	6	,	,	PUNCT
emaj-71	218	7	&	&	CCONJ
emaj-71	218	8	martínez	martínez	PROPN
emaj-71	218	9	-	-	PUNCT
emaj-71	218	10	solano	solano	PROPN
emaj-71	218	11	,	,	PUNCT
emaj-71	218	12	p.	p.	NOUN
emaj-71	218	13	(	(	PUNCT
emaj-71	218	14	2010	2010	NUM
emaj-71	218	15	)	)	PUNCT
emaj-71	218	16	.	.	PUNCT
emaj-71	219	1	relationship	relationship	NOUN
emaj-71	219	2	lending	lending	NOUN
emaj-71	219	3	and	and	CCONJ
emaj-71	219	4	sme	sme	NOUN
emaj-71	219	5	financing	financing	NOUN
emaj-71	219	6	in	in	ADP
emaj-71	219	7	the	the	DET
emaj-71	219	8	continental	continental	PROPN
emaj-71	219	9	european	european	PROPN
emaj-71	219	10	bank	bank	PROPN
emaj-71	219	11	-	-	PUNCT
emaj-71	219	12	based	base	VERB
emaj-71	219	13	system	system	NOUN
emaj-71	219	14	.	.	PUNCT
emaj-71	220	1	small	small	ADJ
emaj-71	220	2	business	business	NOUN
emaj-71	220	3	economics	economic	NOUN
emaj-71	220	4	,	,	PUNCT
emaj-71	220	5	34(4	34(4	NUM
emaj-71	220	6	)	)	PUNCT
emaj-71	220	7	,	,	PUNCT
emaj-71	220	8	465	465	NUM
emaj-71	220	9	-	-	SYM
emaj-71	220	10	482	482	NUM
emaj-71	220	11	.	.	PUNCT
emaj-71	221	1	ifc	ifc	NOUN
emaj-71	221	2	,	,	PUNCT
emaj-71	221	3	international	international	ADJ
emaj-71	221	4	finance	finance	NOUN
emaj-71	221	5	corporation	corporation	NOUN
emaj-71	221	6	(	(	PUNCT
emaj-71	221	7	2012	2012	NUM
emaj-71	221	8	)	)	PUNCT
emaj-71	221	9	.	.	PUNCT
emaj-71	222	1	customer	customer	NOUN
emaj-71	222	2	management	management	NOUN
emaj-71	222	3	in	in	ADP
emaj-71	222	4	sme	sme	PROPN
emaj-71	222	5	banking	banking	NOUN
emaj-71	222	6	:	:	PUNCT
emaj-71	222	7	a	a	DET
emaj-71	222	8	best	good	ADJ
emaj-71	222	9	-	-	PUNCT
emaj-71	222	10	in	in	ADP
emaj-71	222	11	-	-	PUNCT
emaj-71	222	12	class	class	NOUN
emaj-71	222	13	guide	guide	NOUN
emaj-71	222	14	.	.	PUNCT
emaj-71	223	1	ifc	ifc	NOUN
emaj-71	223	2	publications	publication	NOUN
emaj-71	223	3	.	.	PUNCT
emaj-71	224	1	ifc	ifc	NOUN
emaj-71	224	2	,	,	PUNCT
emaj-71	224	3	international	international	ADJ
emaj-71	224	4	finance	finance	NOUN
emaj-71	224	5	corporation	corporation	NOUN
emaj-71	224	6	(	(	PUNCT
emaj-71	224	7	2012b	2012b	NUM
emaj-71	224	8	)	)	PUNCT
emaj-71	224	9	.	.	PUNCT
emaj-71	225	1	why	why	SCONJ
emaj-71	225	2	banks	bank	NOUN
emaj-71	225	3	in	in	ADP
emaj-71	225	4	emerging	emerge	VERB
emaj-71	225	5	markets	market	NOUN
emaj-71	225	6	are	be	AUX
emaj-71	225	7	increasingly	increasingly	ADV
emaj-71	225	8	providing	provide	VERB
emaj-71	225	9	non	non	ADJ
emaj-71	225	10	-	-	ADJ
emaj-71	225	11	financial	financial	ADJ
emaj-71	225	12	services	service	NOUN
emaj-71	225	13	to	to	ADP
emaj-71	225	14	small	small	ADJ
emaj-71	225	15	and	and	CCONJ
emaj-71	225	16	medium	medium	ADJ
emaj-71	225	17	enterprises	enterprise	NOUN
emaj-71	225	18	.	.	PUNCT
emaj-71	226	1	ifc	ifc	NOUN
emaj-71	226	2	publications	publication	NOUN
emaj-71	226	3	.	.	PUNCT
emaj-71	227	1	mori	mori	PROPN
emaj-71	227	2	,	,	PUNCT
emaj-71	227	3	n.	n.	PROPN
emaj-71	227	4	,	,	PUNCT
emaj-71	227	5	richard	richard	PROPN
emaj-71	227	6	,	,	PUNCT
emaj-71	227	7	e.	e.	PROPN
emaj-71	227	8	,	,	PUNCT
emaj-71	227	9	isaack	isaack	NOUN
emaj-71	227	10	,	,	PUNCT
emaj-71	227	11	a.	a.	NOUN
emaj-71	227	12	,	,	PUNCT
emaj-71	227	13	&	&	CCONJ
emaj-71	227	14	olomi	olomi	PROPN
emaj-71	227	15	,	,	PUNCT
emaj-71	227	16	d.	d.	PROPN
emaj-71	227	17	(	(	PUNCT
emaj-71	227	18	2009	2009	NUM
emaj-71	227	19	)	)	PUNCT
emaj-71	227	20	.	.	PUNCT
emaj-71	228	1	access	access	NOUN
emaj-71	228	2	to	to	ADP
emaj-71	228	3	finance	finance	NOUN
emaj-71	228	4	for	for	ADP
emaj-71	228	5	smes	sme	NOUN
emaj-71	228	6	in	in	ADP
emaj-71	228	7	tanzania	tanzania	PROPN
emaj-71	228	8	.	.	PUNCT
emaj-71	229	1	african	african	ADJ
emaj-71	229	2	entrepreneurship	entrepreneurship	NOUN
emaj-71	229	3	and	and	CCONJ
emaj-71	229	4	small	small	ADJ
emaj-71	229	5	business	business	NOUN
emaj-71	229	6	development	development	NOUN
emaj-71	229	7	:	:	PUNCT
emaj-71	229	8	context	context	NOUN
emaj-71	229	9	and	and	CCONJ
emaj-71	229	10	process	process	NOUN
emaj-71	229	11	,	,	PUNCT
emaj-71	229	12	1	1	NUM
emaj-71	229	13	.	.	X
emaj-71	229	14	narteh	narteh	PROPN
emaj-71	229	15	,	,	PUNCT
emaj-71	229	16	b.	b.	PROPN
emaj-71	229	17	(	(	PUNCT
emaj-71	229	18	2013	2013	NUM
emaj-71	229	19	)	)	PUNCT
emaj-71	229	20	.	.	PUNCT
emaj-71	230	1	sme	sme	PROPN
emaj-71	230	2	bank	bank	PROPN
emaj-71	230	3	selection	selection	NOUN
emaj-71	230	4	and	and	CCONJ
emaj-71	230	5	patronage	patronage	NOUN
emaj-71	230	6	behaviour	behaviour	NOUN
emaj-71	230	7	in	in	ADP
emaj-71	230	8	the	the	DET
emaj-71	230	9	ghanaian	ghanaian	ADJ
emaj-71	230	10	banking	banking	NOUN
emaj-71	230	11	industry	industry	NOUN
emaj-71	230	12	.	.	PUNCT
emaj-71	231	1	management	management	NOUN
emaj-71	231	2	research	research	PROPN
emaj-71	231	3	review	review	PROPN
emaj-71	231	4	,	,	PUNCT
emaj-71	231	5	36(11	36(11	NUM
emaj-71	231	6	)	)	PUNCT
emaj-71	231	7	,	,	PUNCT
emaj-71	231	8	1061	1061	NUM
emaj-71	231	9	-	-	SYM
emaj-71	231	10	1080	1080	NUM
emaj-71	231	11	.	.	PUNCT
emaj-71	232	1	norton	norton	PROPN
emaj-71	232	2	,	,	PUNCT
emaj-71	232	3	a.	a.	NOUN
emaj-71	232	4	(	(	PUNCT
emaj-71	232	5	2003	2003	NUM
emaj-71	232	6	)	)	PUNCT
emaj-71	232	7	,	,	PUNCT
emaj-71	232	8	“	"	PUNCT
emaj-71	232	9	‘	'	PUNCT
emaj-71	232	10	basel	basel	PROPN
emaj-71	232	11	2	2	NUM
emaj-71	232	12	–	–	PUNCT
emaj-71	232	13	sme	sme	NOUN
emaj-71	232	14	0	0	NUM
emaj-71	232	15	’	'	PUNCT
emaj-71	232	16	,	,	PUNCT
emaj-71	232	17	another	another	DET
emaj-71	232	18	tricky	tricky	ADJ
emaj-71	232	19	hurdle	hurdle	NOUN
emaj-71	232	20	for	for	ADP
emaj-71	232	21	business	business	NOUN
emaj-71	232	22	?	?	PUNCT
emaj-71	232	23	”	"	PUNCT
emaj-71	232	24	,	,	PUNCT
emaj-71	232	25	credit	credit	NOUN
emaj-71	232	26	management	management	NOUN
emaj-71	232	27	,	,	PUNCT
emaj-71	232	28	march	march	PROPN
emaj-71	232	29	,	,	PUNCT
emaj-71	232	30	p.	p.	NOUN
emaj-71	232	31	40	40	NUM
emaj-71	232	32	.	.	PUNCT
emaj-71	233	1	volume	volume	NOUN
emaj-71	233	2	5	5	NUM
emaj-71	233	3	no	no	DET
emaj-71	233	4	1	1	NUM
emaj-71	233	5	(	(	PUNCT
emaj-71	233	6	2015	2015	NUM
emaj-71	233	7	)	)	PUNCT
emaj-71	233	8	|	|	ADV
emaj-71	233	9	issn	issn	VERB
emaj-71	233	10	2158	2158	NUM
emaj-71	233	11	-	-	SYM
emaj-71	233	12	8708	8708	NUM
emaj-71	233	13	(	(	PUNCT
emaj-71	233	14	online	online	NOUN
emaj-71	233	15	)	)	PUNCT
emaj-71	233	16	|	|	ADV
emaj-71	233	17	doi	doi	X
emaj-71	233	18	10.5195	10.5195	NUM
emaj-71	233	19	/	/	SYM
emaj-71	233	20	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	233	21	|	|	ADV
emaj-71	233	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	233	23	hande	hande	PROPN
emaj-71	233	24	karadag	karadag	PROPN
emaj-71	233	25	,	,	PUNCT
emaj-71	233	26	vedat	vedat	NOUN
emaj-71	233	27	akman	akman	NOUN
emaj-71	233	28	emerging	emerge	VERB
emaj-71	233	29	markets	market	NOUN
emaj-71	233	30	journal	journal	NOUN
emaj-71	233	31	|	|	ADV
emaj-71	233	32	p	p	NOUN
emaj-71	233	33	a	a	DET
emaj-71	233	34	g	g	NOUN
emaj-71	233	35	e	e	NOUN
emaj-71	233	36	|91	|91	X
emaj-71	233	37	oecd	oecd	PROPN
emaj-71	233	38	,	,	PUNCT
emaj-71	233	39	organisation	organisation	NOUN
emaj-71	233	40	for	for	ADP
emaj-71	233	41	economic	economic	ADJ
emaj-71	233	42	cooperation	cooperation	NOUN
emaj-71	233	43	and	and	CCONJ
emaj-71	233	44	development	development	NOUN
emaj-71	233	45	(	(	PUNCT
emaj-71	233	46	2014	2014	NUM
emaj-71	233	47	)	)	PUNCT
emaj-71	233	48	.	.	PUNCT
emaj-71	234	1	financing	finance	VERB
emaj-71	234	2	smes	sme	NOUN
emaj-71	234	3	and	and	CCONJ
emaj-71	234	4	entrepreneurs	entrepreneur	NOUN
emaj-71	234	5	2014	2014	NUM
emaj-71	234	6	:	:	PUNCT
emaj-71	234	7	an	an	DET
emaj-71	234	8	oecd	oecd	PROPN
emaj-71	234	9	scoreboard	scoreboard	NOUN
emaj-71	234	10	,	,	PUNCT
emaj-71	234	11	oecd	oecd	PROPN
emaj-71	234	12	publishing	publishing	NOUN
emaj-71	234	13	.	.	PUNCT
emaj-71	235	1	oecd	oecd	PROPN
emaj-71	235	2	,	,	PUNCT
emaj-71	235	3	organisation	organisation	NOUN
emaj-71	235	4	for	for	ADP
emaj-71	235	5	economic	economic	ADJ
emaj-71	235	6	cooperation	cooperation	NOUN
emaj-71	235	7	and	and	CCONJ
emaj-71	235	8	development	development	NOUN
emaj-71	235	9	(	(	PUNCT
emaj-71	235	10	2005	2005	NUM
emaj-71	235	11	)	)	PUNCT
emaj-71	235	12	.	.	PUNCT
emaj-71	236	1	oecd	oecd	PROPN
emaj-71	236	2	factbook	factbook	PROPN
emaj-71	236	3	:	:	PUNCT
emaj-71	236	4	economic	economic	ADJ
emaj-71	236	5	,	,	PUNCT
emaj-71	236	6	environmental	environmental	ADJ
emaj-71	236	7	and	and	CCONJ
emaj-71	236	8	social	social	ADJ
emaj-71	236	9	statistics	statistic	NOUN
emaj-71	236	10	,	,	PUNCT
emaj-71	236	11	oecd	oecd	PROPN
emaj-71	236	12	.	.	PUNCT
emaj-71	236	13	oecd	oecd	PROPN
emaj-71	236	14	,	,	PUNCT
emaj-71	236	15	organisation	organisation	NOUN
emaj-71	236	16	for	for	ADP
emaj-71	236	17	economic	economic	ADJ
emaj-71	236	18	cooperation	cooperation	NOUN
emaj-71	236	19	and	and	CCONJ
emaj-71	236	20	development	development	NOUN
emaj-71	236	21	(	(	PUNCT
emaj-71	236	22	2006	2006	NUM
emaj-71	236	23	)	)	PUNCT
emaj-71	236	24	.	.	PUNCT
emaj-71	237	1	the	the	DET
emaj-71	237	2	sme	sme	PROPN
emaj-71	237	3	financing	financing	NOUN
emaj-71	237	4	gap	gap	NOUN
emaj-71	237	5	(	(	PUNCT
emaj-71	237	6	vol	vol	NOUN
emaj-71	237	7	.	.	PUNCT
emaj-71	238	1	i	i	PRON
emaj-71	238	2	):	):	PUNCT
emaj-71	238	3	theory	theory	NOUN
emaj-71	238	4	and	and	CCONJ
emaj-71	238	5	evidence	evidence	NOUN
emaj-71	238	6	.	.	PUNCT
emaj-71	239	1	oecd	oecd	PROPN
emaj-71	239	2	opic	opic	PROPN
emaj-71	239	3	,	,	PUNCT
emaj-71	239	4	overseas	overseas	ADJ
emaj-71	239	5	private	private	ADJ
emaj-71	239	6	investment	investment	NOUN
emaj-71	239	7	corporation	corporation	NOUN
emaj-71	239	8	,	,	PUNCT
emaj-71	239	9	(	(	PUNCT
emaj-71	239	10	2014	2014	NUM
emaj-71	239	11	)	)	PUNCT
emaj-71	239	12	.	.	PUNCT
emaj-71	240	1	http://www.opic.gov/projects/turkiyegaranti-bankasi	http://www.opic.gov/projects/turkiyegaranti-bankasi	PROPN
emaj-71	240	2	.	.	PUNCT
emaj-71	240	3	özdemir	özdemir	PROPN
emaj-71	240	4	,	,	PUNCT
emaj-71	240	5	s.	s.	PROPN
emaj-71	240	6	;	;	PUNCT
emaj-71	240	7	ersöz	ersöz	PROPN
emaj-71	240	8	,	,	PUNCT
emaj-71	240	9	h.	h.	PROPN
emaj-71	240	10	y.	y.	PROPN
emaj-71	240	11	;	;	PUNCT
emaj-71	240	12	and	and	CCONJ
emaj-71	240	13	sarıoğlu	sarıoğlu	NOUN
emaj-71	240	14	,	,	PUNCT
emaj-71	240	15	h.	h.	PROPN
emaj-71	240	16	i̇.	i̇.	PROPN
emaj-71	240	17	(	(	PUNCT
emaj-71	240	18	2011	2011	NUM
emaj-71	240	19	)	)	PUNCT
emaj-71	240	20	.	.	PUNCT
emaj-71	241	1	küçük	küçük	PROPN
emaj-71	241	2	girişimciliğin	girişimciliğin	PROPN
emaj-71	241	3	artan	artan	PROPN
emaj-71	241	4	önemi	önemi	NOUN
emaj-71	241	5	ve	ve	VERB
emaj-71	241	6	kobi̇’lerin	kobi̇’lerin	PROPN
emaj-71	241	7	türkiye	türkiye	PROPN
emaj-71	241	8	ekonomisindeki	ekonomisindeki	PROPN
emaj-71	241	9	yeri	yeri	PROPN
emaj-71	241	10	.	.	PUNCT
emaj-71	242	1	sosyal	sosyal	PROPN
emaj-71	242	2	siyaset	siyaset	VERB
emaj-71	242	3	konferansları	konferansları	PROPN
emaj-71	242	4	dergisi	dergisi	PROPN
emaj-71	242	5	,	,	PUNCT
emaj-71	242	6	12(3	12(3	NUM
emaj-71	242	7	):	):	PUNCT
emaj-71	242	8	67	67	NUM
emaj-71	242	9	-	-	SYM
emaj-71	242	10	83	83	NUM
emaj-71	242	11	ondes	onde	NOUN
emaj-71	242	12	,	,	PUNCT
emaj-71	242	13	t.	t.	PROPN
emaj-71	242	14	&	&	CCONJ
emaj-71	242	15	gungor	gungor	PROPN
emaj-71	242	16	,	,	PUNCT
emaj-71	242	17	n.	n.	PROPN
emaj-71	242	18	(	(	PUNCT
emaj-71	242	19	2013	2013	NUM
emaj-71	242	20	)	)	PUNCT
emaj-71	242	21	.	.	PUNCT
emaj-71	243	1	kobi’lerin	kobi’lerin	PROPN
emaj-71	243	2	finansmani	finansmani	PROPN
emaj-71	243	3	erzurum	erzurum	PROPN
emaj-71	243	4	organize	organize	VERB
emaj-71	243	5	sanayi	sanayi	ADV
emaj-71	243	6	bolgesinde	bolgesinde	PROPN
emaj-71	243	7	bir	bir	PROPN
emaj-71	243	8	arastirma	arastirma	PROPN
emaj-71	243	9	.	.	PUNCT
emaj-71	244	1	ataturk	ataturk	PROPN
emaj-71	244	2	university	university	PROPN
emaj-71	244	3	journal	journal	NOUN
emaj-71	244	4	of	of	ADP
emaj-71	244	5	economics	economic	NOUN
emaj-71	244	6	and	and	CCONJ
emaj-71	244	7	admistrative	admistrative	ADJ
emaj-71	244	8	sciences	science	NOUN
emaj-71	244	9	,	,	PUNCT
emaj-71	244	10	27	27	NUM
emaj-71	244	11	(	(	PUNCT
emaj-71	244	12	1	1	NUM
emaj-71	244	13	)	)	PUNCT
emaj-71	244	14	.	.	PUNCT
emaj-71	245	1	petersen	petersen	PROPN
emaj-71	245	2	,	,	PUNCT
emaj-71	245	3	m.	m.	NOUN
emaj-71	245	4	a.	a.	PROPN
emaj-71	245	5	,	,	PUNCT
emaj-71	245	6	&	&	CCONJ
emaj-71	245	7	rajan	rajan	PROPN
emaj-71	245	8	,	,	PUNCT
emaj-71	245	9	r.	r.	PROPN
emaj-71	245	10	g.	g.	PROPN
emaj-71	245	11	(	(	PUNCT
emaj-71	245	12	1994	1994	NUM
emaj-71	245	13	)	)	PUNCT
emaj-71	245	14	.	.	PUNCT
emaj-71	246	1	the	the	DET
emaj-71	246	2	benefits	benefit	NOUN
emaj-71	246	3	of	of	ADP
emaj-71	246	4	lending	lend	VERB
emaj-71	246	5	relationships	relationship	NOUN
emaj-71	246	6	:	:	PUNCT
emaj-71	246	7	evidence	evidence	NOUN
emaj-71	246	8	from	from	ADP
emaj-71	246	9	small	small	ADJ
emaj-71	246	10	business	business	NOUN
emaj-71	246	11	data	datum	NOUN
emaj-71	246	12	.	.	PUNCT
emaj-71	247	1	the	the	DET
emaj-71	247	2	journal	journal	PROPN
emaj-71	247	3	of	of	ADP
emaj-71	247	4	finance	finance	NOUN
emaj-71	247	5	,	,	PUNCT
emaj-71	247	6	49(1	49(1	NOUN
emaj-71	247	7	)	)	PUNCT
emaj-71	247	8	,	,	PUNCT
emaj-71	247	9	3	3	NUM
emaj-71	247	10	-	-	SYM
emaj-71	247	11	37	37	NUM
emaj-71	247	12	.	.	PUNCT
emaj-71	247	13	rocha	rocha	PROPN
emaj-71	247	14	,	,	PUNCT
emaj-71	247	15	r.	r.	PROPN
emaj-71	247	16	d.	d.	PROPN
emaj-71	247	17	r.	r.	PROPN
emaj-71	247	18	,	,	PUNCT
emaj-71	247	19	farazi	farazi	PROPN
emaj-71	247	20	,	,	PUNCT
emaj-71	247	21	s.	s.	PROPN
emaj-71	247	22	,	,	PUNCT
emaj-71	247	23	khouri	khouri	PROPN
emaj-71	247	24	,	,	PUNCT
emaj-71	247	25	r.	r.	PROPN
emaj-71	247	26	,	,	PUNCT
emaj-71	247	27	&	&	CCONJ
emaj-71	247	28	pearce	pearce	PROPN
emaj-71	247	29	,	,	PUNCT
emaj-71	247	30	d.	d.	PROPN
emaj-71	247	31	(	(	PUNCT
emaj-71	247	32	2011	2011	NUM
emaj-71	247	33	)	)	PUNCT
emaj-71	247	34	.	.	PUNCT
emaj-71	248	1	the	the	DET
emaj-71	248	2	status	status	NOUN
emaj-71	248	3	of	of	ADP
emaj-71	248	4	bank	bank	NOUN
emaj-71	248	5	lending	lending	NOUN
emaj-71	248	6	to	to	ADP
emaj-71	248	7	smes	sme	NOUN
emaj-71	248	8	in	in	ADP
emaj-71	248	9	the	the	DET
emaj-71	248	10	middle	middle	PROPN
emaj-71	248	11	east	east	PROPN
emaj-71	248	12	and	and	CCONJ
emaj-71	248	13	north	north	PROPN
emaj-71	248	14	africa	africa	PROPN
emaj-71	248	15	region	region	NOUN
emaj-71	248	16	:	:	PUNCT
emaj-71	248	17	the	the	DET
emaj-71	248	18	results	result	NOUN
emaj-71	248	19	of	of	ADP
emaj-71	248	20	a	a	DET
emaj-71	248	21	joint	joint	ADJ
emaj-71	248	22	survey	survey	NOUN
emaj-71	248	23	of	of	ADP
emaj-71	248	24	the	the	DET
emaj-71	248	25	union	union	PROPN
emaj-71	248	26	of	of	ADP
emaj-71	248	27	arab	arab	PROPN
emaj-71	248	28	bank	bank	PROPN
emaj-71	248	29	and	and	CCONJ
emaj-71	248	30	the	the	DET
emaj-71	248	31	world	world	PROPN
emaj-71	248	32	bank	bank	PROPN
emaj-71	248	33	.	.	PUNCT
emaj-71	249	1	world	world	PROPN
emaj-71	249	2	bank	bank	PROPN
emaj-71	249	3	policy	policy	PROPN
emaj-71	249	4	research	research	NOUN
emaj-71	249	5	working	working	NOUN
emaj-71	249	6	paper	paper	NOUN
emaj-71	249	7	series	series	NOUN
emaj-71	249	8	,	,	PUNCT
emaj-71	249	9	vol	vol	NOUN
emaj-71	249	10	.	.	PUNCT
emaj-71	250	1	roman	roman	PROPN
emaj-71	250	2	,	,	PUNCT
emaj-71	250	3	a.	a.	PROPN
emaj-71	250	4	,	,	PUNCT
emaj-71	250	5	&	&	CCONJ
emaj-71	250	6	rusu	rusu	PROPN
emaj-71	250	7	,	,	PUNCT
emaj-71	250	8	v.	v.	PROPN
emaj-71	250	9	d.	d.	PROPN
emaj-71	250	10	(	(	PUNCT
emaj-71	250	11	2012	2012	NUM
emaj-71	250	12	)	)	PUNCT
emaj-71	250	13	.	.	PUNCT
emaj-71	251	1	the	the	DET
emaj-71	251	2	access	access	NOUN
emaj-71	251	3	of	of	ADP
emaj-71	251	4	small	small	ADJ
emaj-71	251	5	and	and	CCONJ
emaj-71	251	6	medium	medium	ADJ
emaj-71	251	7	size	size	NOUN
emaj-71	251	8	enterprises	enterprise	NOUN
emaj-71	251	9	to	to	ADP
emaj-71	251	10	banking	banking	NOUN
emaj-71	251	11	financing	financing	NOUN
emaj-71	251	12	and	and	CCONJ
emaj-71	251	13	current	current	ADJ
emaj-71	251	14	challanges	challange	NOUN
emaj-71	251	15	:	:	PUNCT
emaj-71	251	16	the	the	DET
emaj-71	251	17	case	case	NOUN
emaj-71	251	18	of	of	ADP
emaj-71	251	19	eu	eu	PROPN
emaj-71	251	20	countries	country	NOUN
emaj-71	251	21	.	.	PUNCT
emaj-71	252	1	annales	annales	PROPN
emaj-71	252	2	universitatis	universitatis	PROPN
emaj-71	252	3	apulensis	apulensis	NOUN
emaj-71	252	4	series	series	NOUN
emaj-71	252	5	oeconomica	oeconomica	PROPN
emaj-71	252	6	,	,	PUNCT
emaj-71	252	7	2(14	2(14	NUM
emaj-71	252	8	)	)	PUNCT
emaj-71	252	9	.	.	PUNCT
emaj-71	253	1	sahin	sahin	PROPN
emaj-71	253	2	,	,	PUNCT
emaj-71	253	3	a.	a.	PROPN
emaj-71	253	4	,	,	PUNCT
emaj-71	253	5	&	&	CCONJ
emaj-71	253	6	dogukanli	dogukanli	ADJ
emaj-71	253	7	,	,	PUNCT
emaj-71	253	8	h.	h.	PROPN
emaj-71	253	9	(	(	PUNCT
emaj-71	253	10	2014	2014	NUM
emaj-71	253	11	)	)	PUNCT
emaj-71	253	12	.	.	PUNCT
emaj-71	254	1	the	the	DET
emaj-71	254	2	impact	impact	NOUN
emaj-71	254	3	of	of	ADP
emaj-71	254	4	foreign	foreign	ADJ
emaj-71	254	5	bank	bank	NOUN
emaj-71	254	6	entry	entry	NOUN
emaj-71	254	7	on	on	ADP
emaj-71	254	8	sme	sme	NOUN
emaj-71	254	9	loans	loan	NOUN
emaj-71	254	10	:	:	PUNCT
emaj-71	254	11	an	an	DET
emaj-71	254	12	investigation	investigation	NOUN
emaj-71	254	13	for	for	ADP
emaj-71	254	14	turkey	turkey	NOUN
emaj-71	254	15	.	.	PUNCT
emaj-71	255	1	journal	journal	PROPN
emaj-71	255	2	of	of	ADP
emaj-71	255	3	brsa	brsa	PROPN
emaj-71	255	4	banking	banking	NOUN
emaj-71	255	5	and	and	CCONJ
emaj-71	255	6	financial	financial	ADJ
emaj-71	255	7	markets	market	NOUN
emaj-71	255	8	,	,	PUNCT
emaj-71	255	9	8(2	8(2	NUM
emaj-71	255	10	)	)	PUNCT
emaj-71	255	11	,	,	PUNCT
emaj-71	255	12	39	39	NUM
emaj-71	255	13	-	-	SYM
emaj-71	255	14	73	73	NUM
emaj-71	255	15	.	.	PUNCT
emaj-71	256	1	stein	stein	PROPN
emaj-71	256	2	,	,	PUNCT
emaj-71	256	3	p.	p.	PROPN
emaj-71	256	4	,	,	PUNCT
emaj-71	256	5	ardic	ardic	ADJ
emaj-71	256	6	,	,	PUNCT
emaj-71	256	7	o.	o.	NOUN
emaj-71	256	8	and	and	CCONJ
emaj-71	256	9	hommes	hommes	PROPN
emaj-71	256	10	,	,	PUNCT
emaj-71	256	11	m.	m.	NOUN
emaj-71	256	12	(	(	PUNCT
emaj-71	256	13	2013	2013	NUM
emaj-71	256	14	)	)	PUNCT
emaj-71	256	15	closing	close	VERB
emaj-71	256	16	the	the	DET
emaj-71	256	17	credit	credit	NOUN
emaj-71	256	18	gap	gap	NOUN
emaj-71	256	19	for	for	ADP
emaj-71	256	20	formal	formal	ADJ
emaj-71	256	21	and	and	CCONJ
emaj-71	256	22	informal	informal	ADJ
emaj-71	256	23	micro	micro	NOUN
emaj-71	256	24	,	,	PUNCT
emaj-71	256	25	small	small	ADJ
emaj-71	256	26	,	,	PUNCT
emaj-71	256	27	and	and	CCONJ
emaj-71	256	28	medium	medium	ADJ
emaj-71	256	29	enterprises	enterprise	NOUN
emaj-71	256	30	.	.	PUNCT
emaj-71	257	1	international	international	ADJ
emaj-71	257	2	finance	finance	NOUN
emaj-71	257	3	corporation	corporation	NOUN
emaj-71	257	4	,	,	PUNCT
emaj-71	257	5	world	world	PROPN
emaj-71	257	6	bank	bank	PROPN
emaj-71	257	7	group	group	NOUN
emaj-71	257	8	,	,	PUNCT
emaj-71	257	9	washington	washington	PROPN
emaj-71	257	10	dc	dc	PROPN
emaj-71	257	11	.	.	PUNCT
emaj-71	258	1	volume	volume	NOUN
emaj-71	258	2	5	5	NUM
emaj-71	258	3	no	no	DET
emaj-71	258	4	1	1	NUM
emaj-71	258	5	(	(	PUNCT
emaj-71	258	6	2015	2015	NUM
emaj-71	258	7	)	)	PUNCT
emaj-71	258	8	|	|	ADV
emaj-71	258	9	issn	issn	VERB
emaj-71	258	10	2158	2158	NUM
emaj-71	258	11	-	-	SYM
emaj-71	258	12	8708	8708	NUM
emaj-71	258	13	(	(	PUNCT
emaj-71	258	14	online	online	NOUN
emaj-71	258	15	)	)	PUNCT
emaj-71	258	16	|	|	ADV
emaj-71	258	17	doi	doi	X
emaj-71	258	18	10.5195	10.5195	NUM
emaj-71	258	19	/	/	SYM
emaj-71	258	20	emaj.2015.71	emaj.2015.71	NOUN
emaj-71	258	21	|	|	ADV
emaj-71	258	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-71	258	23	the	the	DET
emaj-71	258	24	role	role	NOUN
emaj-71	258	25	of	of	ADP
emaj-71	258	26	cross	cross	NOUN
emaj-71	258	27	selling	selling	NOUN
emaj-71	258	28	in	in	ADP
emaj-71	258	29	sme	sme	PROPN
emaj-71	258	30	banking	banking	NOUN
emaj-71	258	31	:	:	PUNCT
emaj-71	258	32	an	an	DET
emaj-71	258	33	analysis	analysis	NOUN
emaj-71	258	34	from	from	ADP
emaj-71	258	35	turkey	turkey	NOUN
emaj-71	258	36	page	page	NOUN
emaj-71	258	37	|92|	|92|	NOUN
emaj-71	258	38	emerging	emerge	VERB
emaj-71	258	39	markets	market	NOUN
emaj-71	258	40	journal	journal	NOUN
emaj-71	258	41	stephanou	stephanou	NOUN
emaj-71	258	42	,	,	PUNCT
emaj-71	258	43	c.	c.	PROPN
emaj-71	258	44	,	,	PUNCT
emaj-71	258	45	&	&	CCONJ
emaj-71	258	46	rodriguez	rodriguez	PROPN
emaj-71	258	47	,	,	PUNCT
emaj-71	258	48	c.	c.	PROPN
emaj-71	258	49	(	(	PUNCT
emaj-71	258	50	2008	2008	NUM
emaj-71	258	51	)	)	PUNCT
emaj-71	258	52	.	.	PUNCT
emaj-71	259	1	bank	bank	NOUN
emaj-71	259	2	financing	financing	NOUN
emaj-71	259	3	to	to	ADP
emaj-71	259	4	small	small	ADJ
emaj-71	259	5	and	and	CCONJ
emaj-71	259	6	medium	medium	ADJ
emaj-71	259	7	-	-	PUNCT
emaj-71	259	8	sized	sized	ADJ
emaj-71	259	9	enterprises	enterprise	NOUN
emaj-71	259	10	(	(	PUNCT
emaj-71	259	11	smes	sme	NOUN
emaj-71	259	12	)	)	PUNCT
emaj-71	259	13	in	in	ADP
emaj-71	259	14	colombia	colombia	PROPN
emaj-71	259	15	.	.	PUNCT
emaj-71	260	1	storey	storey	PROPN
emaj-71	260	2	,	,	PUNCT
emaj-71	260	3	d.	d.	PROPN
emaj-71	260	4	j.	j.	PROPN
emaj-71	260	5	(	(	PUNCT
emaj-71	260	6	1994	1994	NUM
emaj-71	260	7	)	)	PUNCT
emaj-71	260	8	understanding	understand	VERB
emaj-71	260	9	the	the	DET
emaj-71	260	10	small	small	ADJ
emaj-71	260	11	business	business	NOUN
emaj-71	260	12	sector	sector	NOUN
emaj-71	260	13	.	.	PUNCT
emaj-71	261	1	cengage	cengage	PROPN
emaj-71	261	2	learning	learning	PROPN
emaj-71	261	3	emea	emea	PROPN
emaj-71	261	4	.	.	PUNCT
emaj-71	262	1	t.	t.	PROPN
emaj-71	262	2	garanti	garanti	PROPN
emaj-71	262	3	bankasi	bankasi	PROPN
emaj-71	262	4	a.s	a.s	PROPN
emaj-71	262	5	.	.	PROPN
emaj-71	262	6	annual	annual	ADJ
emaj-71	262	7	report	report	NOUN
emaj-71	262	8	,	,	PUNCT
emaj-71	262	9	(	(	PUNCT
emaj-71	262	10	2013	2013	NUM
emaj-71	262	11	)	)	PUNCT
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emaj-71	268	6	a.s	a.s	PROPN
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emaj-71	268	8	annual	annual	ADJ
emaj-71	268	9	report	report	NOUN
emaj-71	268	10	,	,	PUNCT
emaj-71	268	11	(	(	PUNCT
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emaj-71	268	13	)	)	PUNCT
emaj-71	268	14	.	.	PUNCT
emaj-71	269	1	http://www	http://www	PROPN
emaj-71	269	2	.teb	.teb	PROPN
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emaj-71	270	1	com.tr	com.tr	PROPN
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emaj-71	271	7	,	,	PUNCT
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emaj-71	271	13	;	;	PUNCT
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emaj-71	271	15	,	,	PUNCT
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emaj-71	271	17	(	(	PUNCT
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emaj-71	272	12	,	,	PUNCT
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emaj-71	272	14	demirel	demirel	PROPN
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emaj-71	272	16	,	,	PUNCT
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emaj-71	273	2	,	,	PUNCT
emaj-71	273	3	11(1	11(1	NUM
emaj-71	273	4	):	):	PUNCT
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emaj-71	273	6	-	-	SYM
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emaj-71	273	8	.	.	PUNCT
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emaj-71	274	2	ve	ve	AUX
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emaj-71	274	4	bankasi	bankasi	PROPN
emaj-71	274	5	a.s	a.s	PROPN
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emaj-71	274	9	,	,	PUNCT
emaj-71	274	10	(	(	PUNCT
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emaj-71	274	13	.	.	PUNCT
emaj-71	275	1	http://www	http://www	PROPN
emaj-71	275	2	.	.	PUNCT
emaj-71	275	3	yapikredi	yapikredi	PROPN
emaj-71	275	4	.	.	PUNCT
emaj-71	276	1	com.tr/en/	com.tr/en/	NUM
emaj-71	276	2	investor	investor	NOUN
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emaj-71	276	13	a.s	a.s	PROPN
emaj-71	276	14	.	.	PROPN
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emaj-71	276	16	report	report	NOUN
emaj-71	276	17	,	,	PUNCT
emaj-71	276	18	(	(	PUNCT
emaj-71	276	19	2013	2013	NUM
emaj-71	276	20	)	)	PUNCT
emaj-71	276	21	.	.	PUNCT
emaj-71	277	1	http://www	http://www	PROPN
emaj-71	277	2	.	.	PROPN
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emaj-71	277	5	/	/	SYM
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emaj-71	277	8	/	/	SYM
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emaj-71	277	10	/	/	SYM
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