id	sid	tid	token	lemma	pos
ejif-11201	1	1	05_ejif	05_ejif	NUM
ejif-11201	1	2	european	european	ADJ
ejif-11201	1	3	journal	journal	NOUN
ejif-11201	1	4	of	of	ADP
ejif-11201	1	5	islamic	islamic	PROPN
ejif-11201	1	6	finance	finance	PROPN
ejif-11201	1	7	issn	issn	PROPN
ejif-11201	1	8	:	:	PUNCT
ejif-11201	1	9	2421	2421	NUM
ejif-11201	1	10	-	-	SYM
ejif-11201	1	11	2172	2172	NUM
ejif-11201	1	12	doi	doi	NOUN
ejif-11201	1	13	:	:	PUNCT
ejif-11201	1	14	10.13135/2421	10.13135/2421	NUM
ejif-11201	1	15	-	-	SYM
ejif-11201	1	16	2172/11201	2172/11201	NUM
ejif-11201	1	17	published	publish	VERB
ejif-11201	1	18	by	by	ADP
ejif-11201	1	19	university	university	PROPN
ejif-11201	1	20	of	of	ADP
ejif-11201	1	21	turin	turin	PROPN
ejif-11201	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	2	2	ejif	ejif	PROPN
ejif-11201	2	3	content	content	NOUN
ejif-11201	2	4	is	be	AUX
ejif-11201	2	5	licensed	license	VERB
ejif-11201	2	6	under	under	ADP
ejif-11201	2	7	a	a	DET
ejif-11201	2	8	creative	creative	ADJ
ejif-11201	2	9	commons	common	NOUN
ejif-11201	2	10	attribution	attribution	NOUN
ejif-11201	2	11	4.0	4.0	NUM
ejif-11201	2	12	international	international	ADJ
ejif-11201	2	13	license	license	NOUN
ejif-11201	2	14	72	72	NUM
ejif-11201	2	15	exploring	explore	VERB
ejif-11201	2	16	the	the	DET
ejif-11201	2	17	potential	potential	NOUN
ejif-11201	2	18	of	of	ADP
ejif-11201	2	19	islamic	islamic	ADJ
ejif-11201	2	20	finance	finance	NOUN
ejif-11201	2	21	in	in	ADP
ejif-11201	2	22	bridging	bridge	VERB
ejif-11201	2	23	the	the	DET
ejif-11201	2	24	financial	financial	ADJ
ejif-11201	2	25	inclusion	inclusion	NOUN
ejif-11201	2	26	gap	gap	NOUN
ejif-11201	2	27	:	:	PUNCT
ejif-11201	2	28	a	a	DET
ejif-11201	2	29	systematic	systematic	ADJ
ejif-11201	2	30	review	review	NOUN
ejif-11201	2	31	of	of	ADP
ejif-11201	2	32	literature	literature	PROPN
ejif-11201	2	33	bronson	bronson	PROPN
ejif-11201	2	34	mutanda1	mutanda1	PROPN
ejif-11201	3	1	*	*	PROPN
ejif-11201	3	2	,	,	PUNCT
ejif-11201	3	3	bomi	bomi	PROPN
ejif-11201	3	4	cyril	cyril	PROPN
ejif-11201	3	5	nomlala2	nomlala2	PROPN
ejif-11201	3	6	1	1	NUM
ejif-11201	3	7	manicaland	manicaland	NOUN
ejif-11201	3	8	state	state	PROPN
ejif-11201	3	9	university	university	PROPN
ejif-11201	3	10	of	of	ADP
ejif-11201	3	11	applied	apply	VERB
ejif-11201	3	12	sciences	science	NOUN
ejif-11201	3	13	,	,	PUNCT
ejif-11201	3	14	city	city	NOUN
ejif-11201	3	15	of	of	ADP
ejif-11201	3	16	mutare	mutare	PROPN
ejif-11201	3	17	,	,	PUNCT
ejif-11201	3	18	manicaland	manicaland	NOUN
ejif-11201	3	19	province	province	NOUN
ejif-11201	3	20	,	,	PUNCT
ejif-11201	3	21	zimbabwe	zimbabwe	NOUN
ejif-11201	3	22	.	.	PUNCT
ejif-11201	4	1	corresponding	correspond	VERB
ejif-11201	4	2	author	author	NOUN
ejif-11201	4	3	:	:	PUNCT
ejif-11201	4	4	valemutanda@gmail.com	valemutanda@gmail.com	X
ejif-11201	4	5	orcid	orcid	NOUN
ejif-11201	4	6	0000	0000	NUM
ejif-11201	4	7	-	-	PUNCT
ejif-11201	4	8	0003	0003	NUM
ejif-11201	4	9	-	-	PUNCT
ejif-11201	4	10	3438	3438	NUM
ejif-11201	4	11	-	-	SYM
ejif-11201	4	12	2126	2126	NUM
ejif-11201	4	13	2	2	NUM
ejif-11201	4	14	university	university	NOUN
ejif-11201	4	15	of	of	ADP
ejif-11201	4	16	kwa	kwa	PROPN
ejif-11201	4	17	-	-	PUNCT
ejif-11201	4	18	zulu	zulu	VERB
ejif-11201	4	19	natal	natal	NOUN
ejif-11201	4	20	,	,	PUNCT
ejif-11201	4	21	durban	durban	PROPN
ejif-11201	4	22	,	,	PUNCT
ejif-11201	4	23	kwa	kwa	PROPN
ejif-11201	4	24	-	-	PUNCT
ejif-11201	4	25	zulu	zulu	PROPN
ejif-11201	4	26	natal	natal	NOUN
ejif-11201	4	27	,	,	PUNCT
ejif-11201	4	28	south	south	PROPN
ejif-11201	4	29	africa	africa	PROPN
ejif-11201	4	30	.	.	PUNCT
ejif-11201	5	1	orcid	orcid	NOUN
ejif-11201	5	2	0000	0000	NUM
ejif-11201	5	3	-	-	PUNCT
ejif-11201	5	4	0001	0001	NUM
ejif-11201	5	5	-	-	PUNCT
ejif-11201	5	6	5471	5471	NUM
ejif-11201	5	7	-	-	SYM
ejif-11201	5	8	1172	1172	NUM
ejif-11201	5	9	received	receive	VERB
ejif-11201	5	10	:	:	PUNCT
ejif-11201	5	11	11/10/2024	11/10/2024	NUM
ejif-11201	5	12	accepted	accept	VERB
ejif-11201	5	13	for	for	ADP
ejif-11201	5	14	publication	publication	NOUN
ejif-11201	5	15	:	:	PUNCT
ejif-11201	5	16	24/10/2025	24/10/2025	NUM
ejif-11201	5	17	published	publish	VERB
ejif-11201	5	18	:	:	PUNCT
ejif-11201	5	19	15/12/2025	15/12/2025	NUM
ejif-11201	5	20	abstract	abstract	ADJ
ejif-11201	5	21	financial	financial	ADJ
ejif-11201	5	22	exclusion	exclusion	NOUN
ejif-11201	5	23	remains	remain	VERB
ejif-11201	5	24	widespread	widespread	ADJ
ejif-11201	5	25	and	and	CCONJ
ejif-11201	5	26	continues	continue	VERB
ejif-11201	5	27	to	to	PART
ejif-11201	5	28	constrain	constrain	VERB
ejif-11201	5	29	the	the	DET
ejif-11201	5	30	livelihoods	livelihood	NOUN
ejif-11201	5	31	of	of	ADP
ejif-11201	5	32	low	low	ADJ
ejif-11201	5	33	-	-	PUNCT
ejif-11201	5	34	income	income	NOUN
ejif-11201	5	35	groups	group	NOUN
ejif-11201	5	36	and	and	CCONJ
ejif-11201	5	37	other	other	ADJ
ejif-11201	5	38	marginalised	marginalise	VERB
ejif-11201	5	39	communities	community	NOUN
ejif-11201	5	40	worldwide	worldwide	ADV
ejif-11201	5	41	.	.	PUNCT
ejif-11201	6	1	islamic	islamic	ADJ
ejif-11201	6	2	finance	finance	PROPN
ejif-11201	6	3	has	have	AUX
ejif-11201	6	4	expanded	expand	VERB
ejif-11201	6	5	rapidly	rapidly	ADV
ejif-11201	6	6	in	in	ADP
ejif-11201	6	7	both	both	CCONJ
ejif-11201	6	8	muslim	muslim	ADJ
ejif-11201	6	9	-	-	PUNCT
ejif-11201	6	10	majority	majority	NOUN
ejif-11201	6	11	and	and	CCONJ
ejif-11201	6	12	non	non	ADJ
ejif-11201	6	13	-	-	ADJ
ejif-11201	6	14	muslim	muslim	ADJ
ejif-11201	6	15	countries	country	NOUN
ejif-11201	6	16	as	as	ADP
ejif-11201	6	17	an	an	DET
ejif-11201	6	18	alternative	alternative	ADJ
ejif-11201	6	19	means	mean	NOUN
ejif-11201	6	20	of	of	ADP
ejif-11201	6	21	accessing	access	VERB
ejif-11201	6	22	capital	capital	NOUN
ejif-11201	6	23	and	and	CCONJ
ejif-11201	6	24	financial	financial	ADJ
ejif-11201	6	25	services	service	NOUN
ejif-11201	6	26	that	that	PRON
ejif-11201	6	27	comply	comply	VERB
ejif-11201	6	28	with	with	ADP
ejif-11201	6	29	the	the	DET
ejif-11201	6	30	prohibition	prohibition	NOUN
ejif-11201	6	31	of	of	ADP
ejif-11201	6	32	riba	riba	PROPN
ejif-11201	6	33	(	(	PUNCT
ejif-11201	6	34	interest	interest	NOUN
ejif-11201	6	35	)	)	PUNCT
ejif-11201	6	36	and	and	CCONJ
ejif-11201	6	37	broader	broad	ADJ
ejif-11201	6	38	sharīʿah	sharīʿah	ADJ
ejif-11201	6	39	principles	principle	NOUN
ejif-11201	6	40	.	.	PUNCT
ejif-11201	7	1	by	by	ADP
ejif-11201	7	2	incorporating	incorporate	VERB
ejif-11201	7	3	fairness	fairness	NOUN
ejif-11201	7	4	,	,	PUNCT
ejif-11201	7	5	risk	risk	NOUN
ejif-11201	7	6	-	-	PUNCT
ejif-11201	7	7	sharing	sharing	NOUN
ejif-11201	7	8	,	,	PUNCT
ejif-11201	7	9	and	and	CCONJ
ejif-11201	7	10	contractual	contractual	ADJ
ejif-11201	7	11	discipline	discipline	NOUN
ejif-11201	7	12	into	into	ADP
ejif-11201	7	13	financial	financial	ADJ
ejif-11201	7	14	transactions	transaction	NOUN
ejif-11201	7	15	,	,	PUNCT
ejif-11201	7	16	islamic	islamic	ADJ
ejif-11201	7	17	finance	finance	NOUN
ejif-11201	7	18	aims	aim	VERB
ejif-11201	7	19	to	to	PART
ejif-11201	7	20	foster	foster	VERB
ejif-11201	7	21	a	a	DET
ejif-11201	7	22	more	more	ADV
ejif-11201	7	23	stable	stable	ADJ
ejif-11201	7	24	and	and	CCONJ
ejif-11201	7	25	inclusive	inclusive	ADJ
ejif-11201	7	26	economic	economic	ADJ
ejif-11201	7	27	order	order	NOUN
ejif-11201	7	28	.	.	PUNCT
ejif-11201	8	1	this	this	DET
ejif-11201	8	2	article	article	NOUN
ejif-11201	8	3	presents	present	VERB
ejif-11201	8	4	a	a	DET
ejif-11201	8	5	systematic	systematic	ADJ
ejif-11201	8	6	review	review	NOUN
ejif-11201	8	7	of	of	ADP
ejif-11201	8	8	the	the	DET
ejif-11201	8	9	literature	literature	NOUN
ejif-11201	8	10	on	on	ADP
ejif-11201	8	11	the	the	DET
ejif-11201	8	12	contribution	contribution	NOUN
ejif-11201	8	13	of	of	ADP
ejif-11201	8	14	islamic	islamic	ADJ
ejif-11201	8	15	finance	finance	NOUN
ejif-11201	8	16	to	to	ADP
ejif-11201	8	17	bridging	bridge	VERB
ejif-11201	8	18	the	the	DET
ejif-11201	8	19	financial	financial	ADJ
ejif-11201	8	20	inclusion	inclusion	NOUN
ejif-11201	8	21	gap	gap	NOUN
ejif-11201	8	22	,	,	PUNCT
ejif-11201	8	23	with	with	ADP
ejif-11201	8	24	a	a	DET
ejif-11201	8	25	particular	particular	ADJ
ejif-11201	8	26	focus	focus	NOUN
ejif-11201	8	27	on	on	ADP
ejif-11201	8	28	its	its	PRON
ejif-11201	8	29	effectiveness	effectiveness	NOUN
ejif-11201	8	30	,	,	PUNCT
ejif-11201	8	31	constraints	constraint	NOUN
ejif-11201	8	32	,	,	PUNCT
ejif-11201	8	33	and	and	CCONJ
ejif-11201	8	34	emerging	emerge	VERB
ejif-11201	8	35	opportunities	opportunity	NOUN
ejif-11201	8	36	.	.	PUNCT
ejif-11201	9	1	guided	guide	VERB
ejif-11201	9	2	by	by	ADP
ejif-11201	9	3	the	the	DET
ejif-11201	9	4	preferred	preferred	ADJ
ejif-11201	9	5	reporting	reporting	NOUN
ejif-11201	9	6	items	item	NOUN
ejif-11201	9	7	for	for	ADP
ejif-11201	9	8	systematic	systematic	ADJ
ejif-11201	9	9	reviews	review	NOUN
ejif-11201	9	10	and	and	CCONJ
ejif-11201	9	11	meta	meta	NOUN
ejif-11201	9	12	-	-	PUNCT
ejif-11201	9	13	analyses	analysis	NOUN
ejif-11201	9	14	(	(	PUNCT
ejif-11201	9	15	prisma	prisma	NOUN
ejif-11201	9	16	)	)	PUNCT
ejif-11201	9	17	protocol	protocol	NOUN
ejif-11201	9	18	,	,	PUNCT
ejif-11201	9	19	a	a	DET
ejif-11201	9	20	structured	structured	ADJ
ejif-11201	9	21	search	search	NOUN
ejif-11201	9	22	of	of	ADP
ejif-11201	9	23	the	the	DET
ejif-11201	9	24	scopus	scopus	PROPN
ejif-11201	9	25	database	database	NOUN
ejif-11201	9	26	identified	identify	VERB
ejif-11201	9	27	78	78	NUM
ejif-11201	9	28	peer	peer	NOUN
ejif-11201	9	29	-	-	PUNCT
ejif-11201	9	30	reviewed	review	VERB
ejif-11201	9	31	articles	article	NOUN
ejif-11201	9	32	published	publish	VERB
ejif-11201	9	33	between	between	ADP
ejif-11201	9	34	2013	2013	NUM
ejif-11201	9	35	and	and	CCONJ
ejif-11201	9	36	2024	2024	NUM
ejif-11201	9	37	,	,	PUNCT
ejif-11201	9	38	of	of	ADP
ejif-11201	9	39	which	which	PRON
ejif-11201	9	40	29	29	NUM
ejif-11201	9	41	met	meet	VERB
ejif-11201	9	42	the	the	DET
ejif-11201	9	43	inclusion	inclusion	NOUN
ejif-11201	9	44	criteria	criterion	NOUN
ejif-11201	9	45	.	.	PUNCT
ejif-11201	10	1	the	the	DET
ejif-11201	10	2	evidence	evidence	NOUN
ejif-11201	10	3	suggests	suggest	VERB
ejif-11201	10	4	that	that	SCONJ
ejif-11201	10	5	islamic	islamic	ADJ
ejif-11201	10	6	banking	banking	NOUN
ejif-11201	10	7	,	,	PUNCT
ejif-11201	10	8	microfinance	microfinance	NOUN
ejif-11201	10	9	,	,	PUNCT
ejif-11201	10	10	social	social	ADJ
ejif-11201	10	11	finance	finance	NOUN
ejif-11201	10	12	instruments	instrument	NOUN
ejif-11201	10	13	,	,	PUNCT
ejif-11201	10	14	and	and	CCONJ
ejif-11201	10	15	sharīʿah	sharīʿah	ADJ
ejif-11201	10	16	-	-	PUNCT
ejif-11201	10	17	compliant	compliant	ADJ
ejif-11201	10	18	fintech	fintech	NOUN
ejif-11201	10	19	can	can	AUX
ejif-11201	10	20	expand	expand	VERB
ejif-11201	10	21	access	access	NOUN
ejif-11201	10	22	to	to	ADP
ejif-11201	10	23	finance	finance	NOUN
ejif-11201	10	24	for	for	ADP
ejif-11201	10	25	both	both	PRON
ejif-11201	10	26	muslims	muslims	PROPN
ejif-11201	10	27	and	and	CCONJ
ejif-11201	10	28	non	non	ADJ
ejif-11201	10	29	-	-	ADJ
ejif-11201	10	30	muslims	muslim	NOUN
ejif-11201	10	31	seeking	seek	VERB
ejif-11201	10	32	interest	interest	NOUN
ejif-11201	10	33	-	-	PUNCT
ejif-11201	10	34	free	free	ADJ
ejif-11201	10	35	products	product	NOUN
ejif-11201	10	36	,	,	PUNCT
ejif-11201	10	37	particularly	particularly	ADV
ejif-11201	10	38	in	in	ADP
ejif-11201	10	39	underserved	underserved	ADJ
ejif-11201	10	40	market	market	NOUN
ejif-11201	10	41	segments	segment	NOUN
ejif-11201	10	42	.	.	PUNCT
ejif-11201	11	1	profitand	profitand	ADP
ejif-11201	11	2	loss	loss	NOUN
ejif-11201	11	3	-	-	PUNCT
ejif-11201	11	4	sharing	share	VERB
ejif-11201	11	5	contracts	contract	NOUN
ejif-11201	11	6	,	,	PUNCT
ejif-11201	11	7	asset	asset	NOUN
ejif-11201	11	8	-	-	PUNCT
ejif-11201	11	9	backed	back	VERB
ejif-11201	11	10	modes	mode	NOUN
ejif-11201	11	11	of	of	ADP
ejif-11201	11	12	financing	financing	NOUN
ejif-11201	11	13	,	,	PUNCT
ejif-11201	11	14	and	and	CCONJ
ejif-11201	11	15	redistributive	redistributive	ADJ
ejif-11201	11	16	tools	tool	NOUN
ejif-11201	11	17	such	such	ADJ
ejif-11201	11	18	as	as	ADP
ejif-11201	11	19	zakat	zakat	NOUN
ejif-11201	11	20	and	and	CCONJ
ejif-11201	11	21	islamic	islamic	ADJ
ejif-11201	11	22	insurance	insurance	NOUN
ejif-11201	11	23	(	(	PUNCT
ejif-11201	11	24	takaful	takaful	ADJ
ejif-11201	11	25	)	)	PUNCT
ejif-11201	11	26	are	be	AUX
ejif-11201	11	27	highlighted	highlight	VERB
ejif-11201	11	28	as	as	ADP
ejif-11201	11	29	key	key	ADJ
ejif-11201	11	30	mechanisms	mechanism	NOUN
ejif-11201	11	31	.	.	PUNCT
ejif-11201	12	1	at	at	ADP
ejif-11201	12	2	the	the	DET
ejif-11201	12	3	same	same	ADJ
ejif-11201	12	4	time	time	NOUN
ejif-11201	12	5	,	,	PUNCT
ejif-11201	12	6	the	the	DET
ejif-11201	12	7	review	review	NOUN
ejif-11201	12	8	documents	document	VERB
ejif-11201	12	9	challenges	challenge	NOUN
ejif-11201	12	10	,	,	PUNCT
ejif-11201	12	11	including	include	VERB
ejif-11201	12	12	low	low	ADJ
ejif-11201	12	13	levels	level	NOUN
ejif-11201	12	14	of	of	ADP
ejif-11201	12	15	islamic	islamic	ADJ
ejif-11201	12	16	financial	financial	ADJ
ejif-11201	12	17	literacy	literacy	NOUN
ejif-11201	12	18	,	,	PUNCT
ejif-11201	12	19	regulatory	regulatory	ADJ
ejif-11201	12	20	and	and	CCONJ
ejif-11201	12	21	institutional	institutional	ADJ
ejif-11201	12	22	constraints	constraint	NOUN
ejif-11201	12	23	,	,	PUNCT
ejif-11201	12	24	uneven	uneven	ADJ
ejif-11201	12	25	geographic	geographic	ADJ
ejif-11201	12	26	penetration	penetration	NOUN
ejif-11201	12	27	,	,	PUNCT
ejif-11201	12	28	and	and	CCONJ
ejif-11201	12	29	the	the	DET
ejif-11201	12	30	phenomenon	phenomenon	NOUN
ejif-11201	12	31	of	of	ADP
ejif-11201	12	32	financial	financial	ADJ
ejif-11201	12	33	migration	migration	NOUN
ejif-11201	12	34	,	,	PUNCT
ejif-11201	12	35	whereby	whereby	SCONJ
ejif-11201	12	36	customers	customer	NOUN
ejif-11201	12	37	shift	shift	VERB
ejif-11201	12	38	from	from	ADP
ejif-11201	12	39	conventional	conventional	ADJ
ejif-11201	12	40	to	to	ADP
ejif-11201	12	41	sharīʿah	sharīʿah	ADJ
ejif-11201	12	42	-	-	PUNCT
ejif-11201	12	43	compliant	compliant	ADJ
ejif-11201	12	44	institutions	institution	NOUN
ejif-11201	12	45	without	without	ADP
ejif-11201	12	46	necessarily	necessarily	ADV
ejif-11201	12	47	increasing	increase	VERB
ejif-11201	12	48	overall	overall	ADJ
ejif-11201	12	49	inclusion	inclusion	NOUN
ejif-11201	12	50	.	.	PUNCT
ejif-11201	13	1	the	the	DET
ejif-11201	13	2	review	review	NOUN
ejif-11201	13	3	concludes	conclude	VERB
ejif-11201	13	4	that	that	SCONJ
ejif-11201	13	5	,	,	PUNCT
ejif-11201	13	6	if	if	SCONJ
ejif-11201	13	7	appropriately	appropriately	ADV
ejif-11201	13	8	supported	support	VERB
ejif-11201	13	9	by	by	ADP
ejif-11201	13	10	policymakers	policymaker	NOUN
ejif-11201	13	11	through	through	ADP
ejif-11201	13	12	enabling	enable	VERB
ejif-11201	13	13	regulation	regulation	NOUN
ejif-11201	13	14	,	,	PUNCT
ejif-11201	13	15	consumer	consumer	NOUN
ejif-11201	13	16	protection	protection	NOUN
ejif-11201	13	17	,	,	PUNCT
ejif-11201	13	18	and	and	CCONJ
ejif-11201	13	19	investment	investment	NOUN
ejif-11201	13	20	in	in	ADP
ejif-11201	13	21	digital	digital	ADJ
ejif-11201	13	22	infrastructure	infrastructure	NOUN
ejif-11201	13	23	,	,	PUNCT
ejif-11201	13	24	islamic	islamic	ADJ
ejif-11201	13	25	finance	finance	NOUN
ejif-11201	13	26	can	can	AUX
ejif-11201	13	27	complement	complement	VERB
ejif-11201	13	28	conventional	conventional	ADJ
ejif-11201	13	29	finance	finance	NOUN
ejif-11201	13	30	in	in	ADP
ejif-11201	13	31	reducing	reduce	VERB
ejif-11201	13	32	financial	financial	ADJ
ejif-11201	13	33	exclusion	exclusion	NOUN
ejif-11201	13	34	and	and	CCONJ
ejif-11201	13	35	advancing	advance	VERB
ejif-11201	13	36	inclusive	inclusive	ADJ
ejif-11201	13	37	and	and	CCONJ
ejif-11201	13	38	socially	socially	ADV
ejif-11201	13	39	just	just	ADV
ejif-11201	13	40	economic	economic	ADJ
ejif-11201	13	41	development	development	NOUN
ejif-11201	13	42	.	.	PUNCT
ejif-11201	14	1	future	future	ADJ
ejif-11201	14	2	research	research	NOUN
ejif-11201	14	3	should	should	AUX
ejif-11201	14	4	deepen	deepen	VERB
ejif-11201	14	5	comparative	comparative	ADJ
ejif-11201	14	6	analyses	analysis	NOUN
ejif-11201	14	7	across	across	ADP
ejif-11201	14	8	regions	region	NOUN
ejif-11201	14	9	and	and	CCONJ
ejif-11201	14	10	products	product	NOUN
ejif-11201	14	11	,	,	PUNCT
ejif-11201	14	12	and	and	CCONJ
ejif-11201	14	13	explore	explore	VERB
ejif-11201	14	14	how	how	SCONJ
ejif-11201	14	15	islamic	islamic	ADJ
ejif-11201	14	16	finance	finance	NOUN
ejif-11201	14	17	can	can	AUX
ejif-11201	14	18	better	well	ADV
ejif-11201	14	19	serve	serve	VERB
ejif-11201	14	20	women	woman	NOUN
ejif-11201	14	21	,	,	PUNCT
ejif-11201	14	22	youth	youth	NOUN
ejif-11201	14	23	,	,	PUNCT
ejif-11201	14	24	and	and	CCONJ
ejif-11201	14	25	micro	micro	NOUN
ejif-11201	14	26	-	-	NOUN
ejif-11201	14	27	entrepreneurs	entrepreneur	NOUN
ejif-11201	14	28	facing	face	VERB
ejif-11201	14	29	multidimensional	multidimensional	ADJ
ejif-11201	14	30	exclusion	exclusion	NOUN
ejif-11201	14	31	and	and	CCONJ
ejif-11201	14	32	inequality	inequality	NOUN
ejif-11201	14	33	.	.	PUNCT
ejif-11201	15	1	keywords	keyword	NOUN
ejif-11201	15	2	:	:	PUNCT
ejif-11201	15	3	islamic	islamic	ADJ
ejif-11201	15	4	finance	finance	NOUN
ejif-11201	15	5	;	;	PUNCT
ejif-11201	15	6	riba	riba	PROPN
ejif-11201	15	7	;	;	PUNCT
ejif-11201	15	8	conventional	conventional	ADJ
ejif-11201	15	9	banks	bank	NOUN
ejif-11201	15	10	;	;	PUNCT
ejif-11201	15	11	sharia	sharia	PROPN
ejif-11201	15	12	;	;	PUNCT
ejif-11201	15	13	muslims	muslim	NOUN
ejif-11201	15	14	;	;	PUNCT
ejif-11201	15	15	financial	financial	ADJ
ejif-11201	15	16	inclusion	inclusion	NOUN
ejif-11201	15	17	european	european	PROPN
ejif-11201	15	18	journal	journal	PROPN
ejif-11201	15	19	of	of	ADP
ejif-11201	15	20	islamic	islamic	PROPN
ejif-11201	15	21	finance	finance	PROPN
ejif-11201	15	22	issn	issn	PROPN
ejif-11201	15	23	:	:	PUNCT
ejif-11201	15	24	2421	2421	NUM
ejif-11201	15	25	-	-	SYM
ejif-11201	15	26	2172	2172	NUM
ejif-11201	15	27	doi	doi	NOUN
ejif-11201	15	28	:	:	PUNCT
ejif-11201	15	29	10.13135/2421	10.13135/2421	NUM
ejif-11201	15	30	-	-	SYM
ejif-11201	15	31	2172/11201	2172/11201	NUM
ejif-11201	15	32	published	publish	VERB
ejif-11201	15	33	by	by	ADP
ejif-11201	15	34	university	university	PROPN
ejif-11201	15	35	of	of	ADP
ejif-11201	15	36	turin	turin	PROPN
ejif-11201	16	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	16	2	ejif	ejif	PROPN
ejif-11201	16	3	content	content	NOUN
ejif-11201	16	4	is	be	AUX
ejif-11201	16	5	licensed	license	VERB
ejif-11201	16	6	under	under	ADP
ejif-11201	16	7	a	a	DET
ejif-11201	16	8	creative	creative	ADJ
ejif-11201	16	9	commons	common	NOUN
ejif-11201	16	10	attribution	attribution	NOUN
ejif-11201	16	11	4.0	4.0	NUM
ejif-11201	16	12	international	international	ADJ
ejif-11201	16	13	license	license	NOUN
ejif-11201	16	14	73	73	NUM
ejif-11201	16	15	1	1	NUM
ejif-11201	16	16	.	.	PUNCT
ejif-11201	17	1	introduction	introduction	NOUN
ejif-11201	17	2	the	the	DET
ejif-11201	17	3	worldwide	worldwide	ADJ
ejif-11201	17	4	islamic	islamic	ADJ
ejif-11201	17	5	finance	finance	NOUN
ejif-11201	17	6	sector	sector	NOUN
ejif-11201	17	7	began	begin	VERB
ejif-11201	17	8	in	in	ADP
ejif-11201	17	9	the	the	DET
ejif-11201	17	10	1960s	1960	NOUN
ejif-11201	17	11	and	and	CCONJ
ejif-11201	17	12	1970s	1970	NOUN
ejif-11201	17	13	with	with	ADP
ejif-11201	17	14	the	the	DET
ejif-11201	17	15	multilateral	multilateral	ADJ
ejif-11201	17	16	founding	founding	NOUN
ejif-11201	17	17	of	of	ADP
ejif-11201	17	18	the	the	DET
ejif-11201	17	19	islamic	islamic	PROPN
ejif-11201	17	20	development	development	PROPN
ejif-11201	17	21	bank	bank	PROPN
ejif-11201	17	22	and	and	CCONJ
ejif-11201	17	23	the	the	DET
ejif-11201	17	24	establishment	establishment	NOUN
ejif-11201	17	25	of	of	ADP
ejif-11201	17	26	the	the	DET
ejif-11201	17	27	first	first	ADJ
ejif-11201	17	28	contemporary	contemporary	ADJ
ejif-11201	17	29	sharīa	sharīa	VERB
ejif-11201	17	30	-	-	PUNCT
ejif-11201	17	31	compliant	compliant	ADJ
ejif-11201	17	32	financial	financial	ADJ
ejif-11201	17	33	institutions	institution	NOUN
ejif-11201	17	34	in	in	ADP
ejif-11201	17	35	malaysia	malaysia	PROPN
ejif-11201	17	36	and	and	CCONJ
ejif-11201	17	37	a	a	DET
ejif-11201	17	38	few	few	ADJ
ejif-11201	17	39	middle	middle	ADJ
ejif-11201	17	40	eastern	eastern	ADJ
ejif-11201	17	41	nations	nation	NOUN
ejif-11201	17	42	(	(	PUNCT
ejif-11201	17	43	development	development	PROPN
ejif-11201	17	44	bank	bank	PROPN
ejif-11201	17	45	&	&	CCONJ
ejif-11201	17	46	financial	financial	PROPN
ejif-11201	17	47	services	services	PROPN
ejif-11201	17	48	board	board	NOUN
ejif-11201	17	49	,	,	PUNCT
ejif-11201	17	50	2015	2015	NUM
ejif-11201	17	51	)	)	PUNCT
ejif-11201	17	52	.	.	PUNCT
ejif-11201	18	1	although	although	SCONJ
ejif-11201	18	2	the	the	DET
ejif-11201	18	3	majority	majority	NOUN
ejif-11201	18	4	of	of	ADP
ejif-11201	18	5	islamic	islamic	ADJ
ejif-11201	18	6	finance	finance	NOUN
ejif-11201	18	7	is	be	AUX
ejif-11201	18	8	managed	manage	VERB
ejif-11201	18	9	by	by	ADP
ejif-11201	18	10	private	private	ADJ
ejif-11201	18	11	entities	entity	NOUN
ejif-11201	18	12	,	,	PUNCT
ejif-11201	18	13	governments	government	NOUN
ejif-11201	18	14	,	,	PUNCT
ejif-11201	18	15	and	and	CCONJ
ejif-11201	18	16	the	the	DET
ejif-11201	18	17	majority	majority	NOUN
ejif-11201	18	18	of	of	ADP
ejif-11201	18	19	muslims	muslims	PROPN
ejif-11201	18	20	and	and	CCONJ
ejif-11201	18	21	those	those	PRON
ejif-11201	18	22	involved	involve	VERB
ejif-11201	18	23	in	in	ADP
ejif-11201	18	24	development	development	NOUN
ejif-11201	18	25	cooperation	cooperation	NOUN
ejif-11201	18	26	are	be	AUX
ejif-11201	18	27	becoming	become	VERB
ejif-11201	18	28	increasingly	increasingly	ADV
ejif-11201	18	29	interested	interested	ADJ
ejif-11201	18	30	in	in	ADP
ejif-11201	18	31	better	well	ADV
ejif-11201	18	32	controlling	control	VERB
ejif-11201	18	33	how	how	SCONJ
ejif-11201	18	34	this	this	DET
ejif-11201	18	35	money	money	NOUN
ejif-11201	18	36	is	be	AUX
ejif-11201	18	37	collected	collect	VERB
ejif-11201	18	38	and	and	CCONJ
ejif-11201	18	39	utilized	utilize	VERB
ejif-11201	18	40	for	for	ADP
ejif-11201	18	41	development	development	NOUN
ejif-11201	18	42	(	(	PUNCT
ejif-11201	18	43	oecd	oecd	PROPN
ejif-11201	18	44	,	,	PUNCT
ejif-11201	18	45	2020	2020	NUM
ejif-11201	18	46	)	)	PUNCT
ejif-11201	18	47	.	.	PUNCT
ejif-11201	19	1	islamic	islamic	ADJ
ejif-11201	19	2	law	law	PROPN
ejif-11201	19	3	,	,	PUNCT
ejif-11201	19	4	based	base	VERB
ejif-11201	19	5	on	on	ADP
ejif-11201	19	6	the	the	DET
ejif-11201	19	7	teachings	teaching	NOUN
ejif-11201	19	8	of	of	ADP
ejif-11201	19	9	the	the	DET
ejif-11201	19	10	qur'an	qur'an	NOUN
ejif-11201	19	11	,	,	PUNCT
ejif-11201	19	12	known	know	VERB
ejif-11201	19	13	as	as	ADP
ejif-11201	19	14	sharia	sharia	PROPN
ejif-11201	19	15	,	,	PUNCT
ejif-11201	19	16	forbids	forbid	VERB
ejif-11201	19	17	muslims	muslim	NOUN
ejif-11201	19	18	from	from	ADP
ejif-11201	19	19	engaging	engage	VERB
ejif-11201	19	20	in	in	ADP
ejif-11201	19	21	any	any	DET
ejif-11201	19	22	financial	financial	ADJ
ejif-11201	19	23	dealings	dealing	NOUN
ejif-11201	19	24	involving	involve	VERB
ejif-11201	19	25	riba	riba	PROPN
ejif-11201	19	26	(	(	PUNCT
ejif-11201	19	27	interest	interest	NOUN
ejif-11201	19	28	)	)	PUNCT
ejif-11201	19	29	(	(	PUNCT
ejif-11201	19	30	demirguc	demirguc	PROPN
ejif-11201	19	31	-	-	PUNCT
ejif-11201	19	32	kunt	kunt	PROPN
ejif-11201	19	33	et	et	PROPN
ejif-11201	19	34	al	al	PROPN
ejif-11201	19	35	.	.	PROPN
ejif-11201	19	36	,	,	PUNCT
ejif-11201	19	37	2014	2014	NUM
ejif-11201	19	38	;	;	PUNCT
ejif-11201	19	39	rammal	rammal	NOUN
ejif-11201	19	40	,	,	PUNCT
ejif-11201	19	41	2020	2020	NUM
ejif-11201	19	42	)	)	PUNCT
ejif-11201	19	43	.	.	PUNCT
ejif-11201	20	1	according	accord	VERB
ejif-11201	20	2	to	to	ADP
ejif-11201	20	3	sharia	sharia	PROPN
ejif-11201	20	4	enterprise	enterprise	NOUN
ejif-11201	20	5	theory	theory	NOUN
ejif-11201	20	6	,	,	PUNCT
ejif-11201	20	7	property	property	NOUN
ejif-11201	20	8	is	be	AUX
ejif-11201	20	9	the	the	DET
ejif-11201	20	10	exclusive	exclusive	ADJ
ejif-11201	20	11	domain	domain	NOUN
ejif-11201	20	12	of	of	ADP
ejif-11201	20	13	allah	allah	PROPN
ejif-11201	20	14	,	,	PUNCT
ejif-11201	20	15	with	with	ADP
ejif-11201	20	16	people	people	NOUN
ejif-11201	20	17	merely	merely	ADV
ejif-11201	20	18	being	be	AUX
ejif-11201	20	19	entrusted	entrust	VERB
ejif-11201	20	20	with	with	ADP
ejif-11201	20	21	managing	manage	VERB
ejif-11201	20	22	a	a	DET
ejif-11201	20	23	deposit	deposit	NOUN
ejif-11201	20	24	so	so	SCONJ
ejif-11201	20	25	that	that	SCONJ
ejif-11201	20	26	the	the	DET
ejif-11201	20	27	property	property	NOUN
ejif-11201	20	28	might	might	AUX
ejif-11201	20	29	be	be	AUX
ejif-11201	20	30	utilized	utilize	VERB
ejif-11201	20	31	by	by	ADP
ejif-11201	20	32	others	other	NOUN
ejif-11201	20	33	(	(	PUNCT
ejif-11201	20	34	dewi	dewi	PROPN
ejif-11201	20	35	,	,	PUNCT
ejif-11201	20	36	2022	2022	NUM
ejif-11201	20	37	)	)	PUNCT
ejif-11201	20	38	.	.	PUNCT
ejif-11201	21	1	islamic	islamic	ADJ
ejif-11201	21	2	banks	bank	NOUN
ejif-11201	21	3	operate	operate	VERB
ejif-11201	21	4	as	as	ADP
ejif-11201	21	5	institutions	institution	NOUN
ejif-11201	21	6	that	that	PRON
ejif-11201	21	7	accept	accept	VERB
ejif-11201	21	8	funds	fund	NOUN
ejif-11201	21	9	from	from	ADP
ejif-11201	21	10	the	the	DET
ejif-11201	21	11	public	public	NOUN
ejif-11201	21	12	and	and	CCONJ
ejif-11201	21	13	manage	manage	VERB
ejif-11201	21	14	them	they	PRON
ejif-11201	21	15	by	by	ADP
ejif-11201	21	16	investing	invest	VERB
ejif-11201	21	17	in	in	ADP
ejif-11201	21	18	profitable	profitable	ADJ
ejif-11201	21	19	business	business	NOUN
ejif-11201	21	20	ventures	venture	NOUN
ejif-11201	21	21	,	,	PUNCT
ejif-11201	21	22	utilizing	utilize	VERB
ejif-11201	21	23	a	a	DET
ejif-11201	21	24	profit	profit	NOUN
ejif-11201	21	25	-	-	PUNCT
ejif-11201	21	26	sharing	share	VERB
ejif-11201	21	27	model	model	NOUN
ejif-11201	21	28	.	.	PUNCT
ejif-11201	22	1	because	because	SCONJ
ejif-11201	22	2	of	of	ADP
ejif-11201	22	3	this	this	PRON
ejif-11201	22	4	,	,	PUNCT
ejif-11201	22	5	muslims	muslim	NOUN
ejif-11201	22	6	are	be	AUX
ejif-11201	22	7	unable	unable	ADJ
ejif-11201	22	8	to	to	PART
ejif-11201	22	9	deal	deal	VERB
ejif-11201	22	10	with	with	ADP
ejif-11201	22	11	traditional	traditional	ADJ
ejif-11201	22	12	financial	financial	ADJ
ejif-11201	22	13	institutions	institution	NOUN
ejif-11201	22	14	since	since	SCONJ
ejif-11201	22	15	they	they	PRON
ejif-11201	22	16	are	be	AUX
ejif-11201	22	17	unable	unable	ADJ
ejif-11201	22	18	to	to	PART
ejif-11201	22	19	pay	pay	VERB
ejif-11201	22	20	or	or	CCONJ
ejif-11201	22	21	receive	receive	VERB
ejif-11201	22	22	interest	interest	NOUN
ejif-11201	22	23	(	(	PUNCT
ejif-11201	22	24	jaffe	jaffe	PROPN
ejif-11201	22	25	,	,	PUNCT
ejif-11201	22	26	2002	2002	NUM
ejif-11201	22	27	)	)	PUNCT
ejif-11201	22	28	.	.	PUNCT
ejif-11201	23	1	the	the	DET
ejif-11201	23	2	creation	creation	NOUN
ejif-11201	23	3	of	of	ADP
ejif-11201	23	4	islamic	islamic	ADJ
ejif-11201	23	5	financial	financial	ADJ
ejif-11201	23	6	institutions	institution	NOUN
ejif-11201	23	7	emerged	emerge	VERB
ejif-11201	23	8	as	as	ADP
ejif-11201	23	9	a	a	DET
ejif-11201	23	10	means	means	NOUN
ejif-11201	23	11	of	of	ADP
ejif-11201	23	12	servicing	service	VERB
ejif-11201	23	13	this	this	DET
ejif-11201	23	14	niche	niche	NOUN
ejif-11201	23	15	market	market	NOUN
ejif-11201	23	16	(	(	PUNCT
ejif-11201	23	17	senghore	senghore	ADV
ejif-11201	23	18	,	,	PUNCT
ejif-11201	23	19	2023	2023	NUM
ejif-11201	23	20	)	)	PUNCT
ejif-11201	23	21	.	.	PUNCT
ejif-11201	24	1	sharia	sharia	PROPN
ejif-11201	24	2	boards	board	NOUN
ejif-11201	24	3	(	(	PUNCT
ejif-11201	24	4	sbs	sbs	NOUN
ejif-11201	24	5	)	)	PUNCT
ejif-11201	24	6	ensure	ensure	VERB
ejif-11201	24	7	that	that	SCONJ
ejif-11201	24	8	all	all	DET
ejif-11201	24	9	products	product	NOUN
ejif-11201	24	10	and	and	CCONJ
ejif-11201	24	11	services	service	NOUN
ejif-11201	24	12	provided	provide	VERB
ejif-11201	24	13	by	by	ADP
ejif-11201	24	14	islamic	islamic	ADJ
ejif-11201	24	15	banks	bank	NOUN
ejif-11201	24	16	adhere	adhere	VERB
ejif-11201	24	17	to	to	ADP
ejif-11201	24	18	the	the	DET
ejif-11201	24	19	fundamentals	fundamental	NOUN
ejif-11201	24	20	of	of	ADP
ejif-11201	24	21	sharia	sharia	PROPN
ejif-11201	24	22	law	law	PROPN
ejif-11201	24	23	(	(	PUNCT
ejif-11201	24	24	haridan	haridan	PROPN
ejif-11201	24	25	,	,	PUNCT
ejif-11201	24	26	hassan	hassan	PROPN
ejif-11201	24	27	,	,	PUNCT
ejif-11201	24	28	&	&	CCONJ
ejif-11201	24	29	karbhari	karbhari	ADJ
ejif-11201	24	30	,	,	PUNCT
ejif-11201	24	31	2018	2018	NUM
ejif-11201	24	32	)	)	PUNCT
ejif-11201	24	33	.	.	PUNCT
ejif-11201	25	1	they	they	PRON
ejif-11201	25	2	regulate	regulate	VERB
ejif-11201	25	3	and	and	CCONJ
ejif-11201	25	4	assess	assess	VERB
ejif-11201	25	5	all	all	DET
ejif-11201	25	6	new	new	ADJ
ejif-11201	25	7	products	product	NOUN
ejif-11201	25	8	offered	offer	VERB
ejif-11201	25	9	by	by	ADP
ejif-11201	25	10	islamic	islamic	ADJ
ejif-11201	25	11	financial	financial	ADJ
ejif-11201	25	12	institutions	institution	NOUN
ejif-11201	25	13	,	,	PUNCT
ejif-11201	25	14	rendering	render	VERB
ejif-11201	25	15	decisions	decision	NOUN
ejif-11201	25	16	on	on	ADP
ejif-11201	25	17	a	a	DET
ejif-11201	25	18	case	case	NOUN
ejif-11201	25	19	-	-	PUNCT
ejif-11201	25	20	by	by	ADP
ejif-11201	25	21	-	-	PUNCT
ejif-11201	25	22	case	case	NOUN
ejif-11201	25	23	basis	basis	NOUN
ejif-11201	25	24	about	about	ADP
ejif-11201	25	25	whether	whether	SCONJ
ejif-11201	25	26	they	they	PRON
ejif-11201	25	27	comply	comply	VERB
ejif-11201	25	28	with	with	ADP
ejif-11201	25	29	sharia	sharia	PROPN
ejif-11201	25	30	law	law	NOUN
ejif-11201	25	31	.	.	PUNCT
ejif-11201	26	1	currently	currently	ADV
ejif-11201	26	2	,	,	PUNCT
ejif-11201	26	3	the	the	DET
ejif-11201	26	4	$	$	SYM
ejif-11201	26	5	2.5	2.5	NUM
ejif-11201	26	6	trillion	trillion	NUM
ejif-11201	26	7	islamic	islamic	ADJ
ejif-11201	26	8	finance	finance	NOUN
ejif-11201	26	9	sector	sector	NOUN
ejif-11201	26	10	is	be	AUX
ejif-11201	26	11	spread	spread	VERB
ejif-11201	26	12	across	across	ADP
ejif-11201	26	13	over	over	ADP
ejif-11201	26	14	80	80	NUM
ejif-11201	26	15	countries	country	NOUN
ejif-11201	26	16	,	,	PUNCT
ejif-11201	26	17	with	with	SCONJ
ejif-11201	26	18	most	most	ADJ
ejif-11201	26	19	of	of	ADP
ejif-11201	26	20	its	its	PRON
ejif-11201	26	21	value	value	NOUN
ejif-11201	26	22	concentrated	concentrate	VERB
ejif-11201	26	23	in	in	ADP
ejif-11201	26	24	a	a	DET
ejif-11201	26	25	small	small	ADJ
ejif-11201	26	26	number	number	NOUN
ejif-11201	26	27	of	of	ADP
ejif-11201	26	28	financial	financial	ADJ
ejif-11201	26	29	markets	market	NOUN
ejif-11201	26	30	(	(	PUNCT
ejif-11201	26	31	domat	domat	NOUN
ejif-11201	26	32	,	,	PUNCT
ejif-11201	26	33	2024	2024	NUM
ejif-11201	26	34	)	)	PUNCT
ejif-11201	26	35	.	.	PUNCT
ejif-11201	27	1	according	accord	VERB
ejif-11201	27	2	to	to	ADP
ejif-11201	27	3	data	datum	NOUN
ejif-11201	27	4	gathered	gather	VERB
ejif-11201	27	5	by	by	ADP
ejif-11201	27	6	the	the	DET
ejif-11201	27	7	research	research	NOUN
ejif-11201	27	8	division	division	NOUN
ejif-11201	27	9	of	of	ADP
ejif-11201	27	10	the	the	DET
ejif-11201	27	11	union	union	NOUN
ejif-11201	27	12	of	of	ADP
ejif-11201	27	13	arab	arab	ADJ
ejif-11201	27	14	banks	bank	NOUN
ejif-11201	27	15	,	,	PUNCT
ejif-11201	27	16	over	over	ADP
ejif-11201	27	17	95	95	NUM
ejif-11201	27	18	%	%	NOUN
ejif-11201	27	19	of	of	ADP
ejif-11201	27	20	the	the	DET
ejif-11201	27	21	world	world	NOUN
ejif-11201	27	22	's	's	PART
ejif-11201	27	23	sharia	sharia	NOUN
ejif-11201	27	24	-	-	PUNCT
ejif-11201	27	25	compliant	compliant	ADJ
ejif-11201	27	26	assets	asset	NOUN
ejif-11201	27	27	are	be	AUX
ejif-11201	27	28	concentrated	concentrate	VERB
ejif-11201	27	29	in	in	ADP
ejif-11201	27	30	just	just	ADV
ejif-11201	27	31	10	10	NUM
ejif-11201	27	32	countries	country	NOUN
ejif-11201	27	33	(	(	PUNCT
ejif-11201	27	34	global	global	ADJ
ejif-11201	27	35	finance	finance	NOUN
ejif-11201	27	36	magazine	magazine	NOUN
ejif-11201	27	37	,	,	PUNCT
ejif-11201	27	38	2024	2024	NUM
ejif-11201	27	39	)	)	PUNCT
ejif-11201	27	40	.	.	PUNCT
ejif-11201	28	1	the	the	DET
ejif-11201	28	2	role	role	NOUN
ejif-11201	28	3	that	that	PRON
ejif-11201	28	4	islamic	islamic	ADJ
ejif-11201	28	5	finance	finance	NOUN
ejif-11201	28	6	and	and	CCONJ
ejif-11201	28	7	banking	banking	NOUN
ejif-11201	28	8	play	play	NOUN
ejif-11201	28	9	in	in	ADP
ejif-11201	28	10	fostering	foster	VERB
ejif-11201	28	11	financial	financial	ADJ
ejif-11201	28	12	inclusion	inclusion	NOUN
ejif-11201	28	13	can	can	AUX
ejif-11201	28	14	not	not	PART
ejif-11201	28	15	be	be	AUX
ejif-11201	28	16	overemphasized	overemphasize	VERB
ejif-11201	28	17	.	.	PUNCT
ejif-11201	29	1	financial	financial	ADJ
ejif-11201	29	2	inclusion	inclusion	NOUN
ejif-11201	29	3	plays	play	VERB
ejif-11201	29	4	a	a	DET
ejif-11201	29	5	crucial	crucial	ADJ
ejif-11201	29	6	role	role	NOUN
ejif-11201	29	7	in	in	ADP
ejif-11201	29	8	achieving	achieve	VERB
ejif-11201	29	9	the	the	DET
ejif-11201	29	10	united	united	PROPN
ejif-11201	29	11	nations	nations	PROPN
ejif-11201	29	12	sustainable	sustainable	ADJ
ejif-11201	29	13	development	development	NOUN
ejif-11201	29	14	goals	goal	NOUN
ejif-11201	29	15	(	(	PUNCT
ejif-11201	29	16	unsgsa	unsgsa	ADJ
ejif-11201	29	17	,	,	PUNCT
ejif-11201	29	18	2018	2018	NUM
ejif-11201	29	19	)	)	PUNCT
ejif-11201	29	20	.	.	PUNCT
ejif-11201	30	1	the	the	DET
ejif-11201	30	2	importance	importance	NOUN
ejif-11201	30	3	of	of	ADP
ejif-11201	30	4	financial	financial	ADJ
ejif-11201	30	5	inclusion	inclusion	NOUN
ejif-11201	30	6	was	be	AUX
ejif-11201	30	7	highlighted	highlight	VERB
ejif-11201	30	8	in	in	ADP
ejif-11201	30	9	seven	seven	NUM
ejif-11201	30	10	of	of	ADP
ejif-11201	30	11	the	the	DET
ejif-11201	30	12	17	17	NUM
ejif-11201	30	13	sustainable	sustainable	ADJ
ejif-11201	30	14	development	development	NOUN
ejif-11201	30	15	goals	goal	NOUN
ejif-11201	30	16	(	(	PUNCT
ejif-11201	30	17	sdgs	sdgs	ADJ
ejif-11201	30	18	)	)	PUNCT
ejif-11201	30	19	,	,	PUNCT
ejif-11201	30	20	including	include	VERB
ejif-11201	30	21	those	those	PRON
ejif-11201	30	22	addressing	address	VERB
ejif-11201	30	23	poverty	poverty	NOUN
ejif-11201	30	24	,	,	PUNCT
ejif-11201	30	25	hunger	hunger	NOUN
ejif-11201	30	26	,	,	PUNCT
ejif-11201	30	27	health	health	NOUN
ejif-11201	30	28	,	,	PUNCT
ejif-11201	30	29	and	and	CCONJ
ejif-11201	30	30	gender	gender	NOUN
ejif-11201	30	31	equality	equality	NOUN
ejif-11201	30	32	(	(	PUNCT
ejif-11201	30	33	unsgsa	unsgsa	ADJ
ejif-11201	30	34	,	,	PUNCT
ejif-11201	30	35	2018	2018	NUM
ejif-11201	30	36	)	)	PUNCT
ejif-11201	30	37	.	.	PUNCT
ejif-11201	31	1	islamic	islamic	PROPN
ejif-11201	31	2	finance	finance	PROPN
ejif-11201	31	3	encompasses	encompass	VERB
ejif-11201	31	4	a	a	DET
ejif-11201	31	5	diverse	diverse	ADJ
ejif-11201	31	6	range	range	NOUN
ejif-11201	31	7	of	of	ADP
ejif-11201	31	8	organizations	organization	NOUN
ejif-11201	31	9	and	and	CCONJ
ejif-11201	31	10	procedures	procedure	NOUN
ejif-11201	31	11	that	that	PRON
ejif-11201	31	12	offer	offer	VERB
ejif-11201	31	13	clients	client	NOUN
ejif-11201	31	14	high	high	ADJ
ejif-11201	31	15	-	-	PUNCT
ejif-11201	31	16	value	value	NOUN
ejif-11201	31	17	services	service	NOUN
ejif-11201	31	18	in	in	ADP
ejif-11201	31	19	accordance	accordance	NOUN
ejif-11201	31	20	with	with	ADP
ejif-11201	31	21	the	the	DET
ejif-11201	31	22	principles	principle	NOUN
ejif-11201	31	23	of	of	ADP
ejif-11201	31	24	sharīah	sharīah	PROPN
ejif-11201	31	25	(	(	PUNCT
ejif-11201	31	26	islamic	islamic	ADJ
ejif-11201	31	27	law	law	NOUN
ejif-11201	31	28	)	)	PUNCT
ejif-11201	31	29	(	(	PUNCT
ejif-11201	31	30	jouti	jouti	NOUN
ejif-11201	31	31	,	,	PUNCT
ejif-11201	31	32	2018	2018	NUM
ejif-11201	31	33	)	)	PUNCT
ejif-11201	31	34	.	.	PUNCT
ejif-11201	32	1	by	by	ADP
ejif-11201	32	2	embracing	embrace	VERB
ejif-11201	32	3	fintech	fintech	NOUN
ejif-11201	32	4	,	,	PUNCT
ejif-11201	32	5	digital	digital	ADJ
ejif-11201	32	6	banking	banking	NOUN
ejif-11201	32	7	,	,	PUNCT
ejif-11201	32	8	microfinance	microfinance	NOUN
ejif-11201	32	9	,	,	PUNCT
ejif-11201	32	10	capital	capital	NOUN
ejif-11201	32	11	markets	market	NOUN
ejif-11201	32	12	,	,	PUNCT
ejif-11201	32	13	insurance	insurance	NOUN
ejif-11201	32	14	,	,	PUNCT
ejif-11201	32	15	and	and	CCONJ
ejif-11201	32	16	the	the	DET
ejif-11201	32	17	latest	late	ADJ
ejif-11201	32	18	financial	financial	ADJ
ejif-11201	32	19	innovations	innovation	NOUN
ejif-11201	32	20	,	,	PUNCT
ejif-11201	32	21	such	such	ADJ
ejif-11201	32	22	as	as	ADP
ejif-11201	32	23	crowdfunding	crowdfunding	NOUN
ejif-11201	32	24	and	and	CCONJ
ejif-11201	32	25	cryptocurrencies	cryptocurrencie	NOUN
ejif-11201	32	26	,	,	PUNCT
ejif-11201	32	27	this	this	DET
ejif-11201	32	28	financing	financing	NOUN
ejif-11201	32	29	system	system	NOUN
ejif-11201	32	30	has	have	AUX
ejif-11201	32	31	kept	keep	VERB
ejif-11201	32	32	pace	pace	NOUN
ejif-11201	32	33	with	with	ADP
ejif-11201	32	34	the	the	DET
ejif-11201	32	35	rapid	rapid	ADJ
ejif-11201	32	36	transformations	transformation	NOUN
ejif-11201	32	37	in	in	ADP
ejif-11201	32	38	the	the	DET
ejif-11201	32	39	financial	financial	ADJ
ejif-11201	32	40	markets	market	NOUN
ejif-11201	32	41	(	(	PUNCT
ejif-11201	32	42	global	global	ADJ
ejif-11201	32	43	finance	finance	NOUN
ejif-11201	32	44	magazine	magazine	NOUN
ejif-11201	32	45	,	,	PUNCT
ejif-11201	32	46	2024	2024	NUM
ejif-11201	32	47	)	)	PUNCT
ejif-11201	32	48	.	.	PUNCT
ejif-11201	33	1	according	accord	VERB
ejif-11201	33	2	to	to	ADP
ejif-11201	33	3	alsmadi	alsmadi	NOUN
ejif-11201	33	4	(	(	PUNCT
ejif-11201	33	5	2025	2025	NUM
ejif-11201	33	6	)	)	PUNCT
ejif-11201	33	7	and	and	CCONJ
ejif-11201	33	8	cherqaoui	cherqaoui	ADJ
ejif-11201	33	9	(	(	PUNCT
ejif-11201	33	10	2022	2022	NUM
ejif-11201	33	11	)	)	PUNCT
ejif-11201	33	12	,	,	PUNCT
ejif-11201	33	13	sharia	sharia	NOUN
ejif-11201	33	14	-	-	PUNCT
ejif-11201	33	15	compliant	compliant	ADJ
ejif-11201	33	16	fintech	fintech	NOUN
ejif-11201	33	17	companies	company	NOUN
ejif-11201	33	18	are	be	AUX
ejif-11201	33	19	emerging	emerge	VERB
ejif-11201	33	20	globally	globally	ADV
ejif-11201	33	21	,	,	PUNCT
ejif-11201	33	22	both	both	CCONJ
ejif-11201	33	23	in	in	ADP
ejif-11201	33	24	islamic	islamic	ADJ
ejif-11201	33	25	and	and	CCONJ
ejif-11201	33	26	nonislamic	nonislamic	ADJ
ejif-11201	33	27	countries	country	NOUN
ejif-11201	33	28	,	,	PUNCT
ejif-11201	33	29	with	with	ADP
ejif-11201	33	30	the	the	DET
ejif-11201	33	31	potential	potential	NOUN
ejif-11201	33	32	to	to	PART
ejif-11201	33	33	attract	attract	VERB
ejif-11201	33	34	millions	million	NOUN
ejif-11201	33	35	of	of	ADP
ejif-11201	33	36	young	young	ADJ
ejif-11201	33	37	muslim	muslim	ADJ
ejif-11201	33	38	customers	customer	NOUN
ejif-11201	33	39	and	and	CCONJ
ejif-11201	33	40	expand	expand	VERB
ejif-11201	33	41	financial	financial	ADJ
ejif-11201	33	42	services	service	NOUN
ejif-11201	33	43	to	to	ADP
ejif-11201	33	44	underserved	underserved	ADJ
ejif-11201	33	45	populations	population	NOUN
ejif-11201	33	46	.	.	PUNCT
ejif-11201	34	1	according	accord	VERB
ejif-11201	34	2	to	to	ADP
ejif-11201	34	3	future	future	ADJ
ejif-11201	34	4	projections	projection	NOUN
ejif-11201	34	5	,	,	PUNCT
ejif-11201	34	6	there	there	PRON
ejif-11201	34	7	will	will	AUX
ejif-11201	34	8	be	be	AUX
ejif-11201	34	9	a	a	DET
ejif-11201	34	10	continued	continue	VERB
ejif-11201	34	11	growth	growth	NOUN
ejif-11201	34	12	in	in	ADP
ejif-11201	34	13	islamic	islamic	ADJ
ejif-11201	34	14	financing	financing	NOUN
ejif-11201	34	15	instruments	instrument	NOUN
ejif-11201	34	16	due	due	ADP
ejif-11201	34	17	to	to	ADP
ejif-11201	34	18	two	two	NUM
ejif-11201	34	19	factors	factor	NOUN
ejif-11201	34	20	:	:	PUNCT
ejif-11201	34	21	a	a	DET
ejif-11201	34	22	strong	strong	ADJ
ejif-11201	34	23	adherence	adherence	NOUN
ejif-11201	34	24	to	to	ADP
ejif-11201	34	25	ethical	ethical	ADJ
ejif-11201	34	26	values	value	NOUN
ejif-11201	34	27	(	(	PUNCT
ejif-11201	34	28	with	with	ADP
ejif-11201	34	29	76	76	NUM
ejif-11201	34	30	%	%	NOUN
ejif-11201	34	31	of	of	ADP
ejif-11201	34	32	muslims	muslim	NOUN
ejif-11201	34	33	considering	consider	VERB
ejif-11201	34	34	religion	religion	NOUN
ejif-11201	34	35	to	to	PART
ejif-11201	34	36	be	be	AUX
ejif-11201	34	37	very	very	ADV
ejif-11201	34	38	important	important	ADJ
ejif-11201	34	39	and	and	CCONJ
ejif-11201	34	40	66	66	NUM
ejif-11201	34	41	%	%	NOUN
ejif-11201	34	42	of	of	ADP
ejif-11201	34	43	muslim	muslim	ADJ
ejif-11201	34	44	consumers	consumer	NOUN
ejif-11201	34	45	willing	willing	ADJ
ejif-11201	34	46	to	to	PART
ejif-11201	34	47	pay	pay	VERB
ejif-11201	34	48	more	more	ADJ
ejif-11201	34	49	for	for	ADP
ejif-11201	34	50	ethical	ethical	ADJ
ejif-11201	34	51	products	product	NOUN
ejif-11201	34	52	)	)	PUNCT
ejif-11201	34	53	and	and	CCONJ
ejif-11201	34	54	relatively	relatively	ADV
ejif-11201	34	55	high	high	ADJ
ejif-11201	34	56	demographic	demographic	ADJ
ejif-11201	34	57	growth	growth	NOUN
ejif-11201	34	58	(	(	PUNCT
ejif-11201	34	59	the	the	DET
ejif-11201	34	60	global	global	ADJ
ejif-11201	34	61	muslim	muslim	ADJ
ejif-11201	34	62	population	population	NOUN
ejif-11201	34	63	is	be	AUX
ejif-11201	34	64	expected	expect	VERB
ejif-11201	34	65	to	to	PART
ejif-11201	34	66	grow	grow	VERB
ejif-11201	34	67	from	from	ADP
ejif-11201	34	68	1.7	1.7	NUM
ejif-11201	34	69	billion	billion	NUM
ejif-11201	34	70	in	in	ADP
ejif-11201	34	71	2014	2014	NUM
ejif-11201	34	72	to	to	ADP
ejif-11201	34	73	2.2	2.2	NUM
ejif-11201	34	74	billion	billion	NUM
ejif-11201	34	75	muslims	muslim	NOUN
ejif-11201	34	76	by	by	ADP
ejif-11201	34	77	2030	2030	NUM
ejif-11201	34	78	)	)	PUNCT
ejif-11201	34	79	(	(	PUNCT
ejif-11201	34	80	dinarstandard	dinarstandard	NOUN
ejif-11201	34	81	,	,	PUNCT
ejif-11201	34	82	2019	2019	NUM
ejif-11201	34	83	;	;	PUNCT
ejif-11201	34	84	jouti	jouti	NOUN
ejif-11201	34	85	,	,	PUNCT
ejif-11201	34	86	2018	2018	NUM
ejif-11201	34	87	)	)	PUNCT
ejif-11201	34	88	.	.	PUNCT
ejif-11201	35	1	when	when	SCONJ
ejif-11201	35	2	it	it	PRON
ejif-11201	35	3	comes	come	VERB
ejif-11201	35	4	to	to	ADP
ejif-11201	35	5	its	its	PRON
ejif-11201	35	6	clients	client	NOUN
ejif-11201	35	7	,	,	PUNCT
ejif-11201	35	8	an	an	DET
ejif-11201	35	9	islamic	islamic	PROPN
ejif-11201	35	10	bank	bank	NOUN
ejif-11201	35	11	views	view	VERB
ejif-11201	35	12	itself	itself	PRON
ejif-11201	35	13	as	as	ADP
ejif-11201	35	14	a	a	DET
ejif-11201	35	15	trader	trader	NOUN
ejif-11201	35	16	and	and	CCONJ
ejif-11201	35	17	investor	investor	NOUN
ejif-11201	35	18	,	,	PUNCT
ejif-11201	35	19	whereas	whereas	SCONJ
ejif-11201	35	20	banks	bank	NOUN
ejif-11201	35	21	in	in	ADP
ejif-11201	35	22	general	general	ADJ
ejif-11201	35	23	view	view	NOUN
ejif-11201	35	24	each	each	DET
ejif-11201	35	25	other	other	ADJ
ejif-11201	35	26	as	as	ADP
ejif-11201	35	27	either	either	CCONJ
ejif-11201	35	28	creditors	creditor	NOUN
ejif-11201	35	29	or	or	CCONJ
ejif-11201	35	30	debtors	debtor	NOUN
ejif-11201	35	31	(	(	PUNCT
ejif-11201	35	32	ekonomi	ekonomi	PROPN
ejif-11201	35	33	et	et	PROPN
ejif-11201	35	34	al	al	PROPN
ejif-11201	35	35	.	.	PROPN
ejif-11201	35	36	,	,	PUNCT
ejif-11201	35	37	2020	2020	NUM
ejif-11201	35	38	)	)	PUNCT
ejif-11201	35	39	.	.	PUNCT
ejif-11201	36	1	in	in	ADP
ejif-11201	36	2	addition	addition	NOUN
ejif-11201	36	3	to	to	ADP
ejif-11201	36	4	avoiding	avoid	VERB
ejif-11201	36	5	interest	interest	NOUN
ejif-11201	36	6	-	-	PUNCT
ejif-11201	36	7	based	base	VERB
ejif-11201	36	8	transactions	transaction	NOUN
ejif-11201	36	9	,	,	PUNCT
ejif-11201	36	10	which	which	PRON
ejif-11201	36	11	are	be	AUX
ejif-11201	36	12	forbidden	forbid	VERB
ejif-11201	36	13	by	by	ADP
ejif-11201	36	14	islamic	islamic	PROPN
ejif-11201	36	15	sharia	sharia	PROPN
ejif-11201	36	16	,	,	PUNCT
ejif-11201	36	17	islamic	islamic	ADJ
ejif-11201	36	18	finance	finance	NOUN
ejif-11201	36	19	,	,	PUNCT
ejif-11201	36	20	in	in	ADP
ejif-11201	36	21	its	its	PRON
ejif-11201	36	22	broader	broad	ADJ
ejif-11201	36	23	sense	sense	NOUN
ejif-11201	36	24	,	,	PUNCT
ejif-11201	36	25	also	also	ADV
ejif-11201	36	26	aims	aim	VERB
ejif-11201	36	27	to	to	PART
ejif-11201	36	28	abstain	abstain	VERB
ejif-11201	36	29	from	from	ADP
ejif-11201	36	30	immoral	immoral	ADJ
ejif-11201	36	31	behavior	behavior	NOUN
ejif-11201	36	32	and	and	CCONJ
ejif-11201	36	33	actively	actively	ADV
ejif-11201	36	34	contribute	contribute	VERB
ejif-11201	36	35	to	to	ADP
ejif-11201	36	36	the	the	DET
ejif-11201	36	37	realization	realization	NOUN
ejif-11201	36	38	of	of	ADP
ejif-11201	36	39	the	the	DET
ejif-11201	36	40	objectives	objective	NOUN
ejif-11201	36	41	and	and	CCONJ
ejif-11201	36	42	purposes	purpose	NOUN
ejif-11201	36	43	of	of	ADP
ejif-11201	36	44	an	an	DET
ejif-11201	36	45	islamic	islamic	ADJ
ejif-11201	36	46	economy	economy	NOUN
ejif-11201	36	47	(	(	PUNCT
ejif-11201	36	48	islamic	islamic	ADJ
ejif-11201	36	49	banking	banking	PROPN
ejif-11201	36	50	department	department	PROPN
ejif-11201	36	51	,	,	PUNCT
ejif-11201	36	52	2008	2008	NUM
ejif-11201	36	53	)	)	PUNCT
ejif-11201	36	54	.	.	PUNCT
ejif-11201	37	1	in	in	ADP
ejif-11201	37	2	all	all	DET
ejif-11201	37	3	commercial	commercial	ADJ
ejif-11201	37	4	transactions	transaction	NOUN
ejif-11201	37	5	,	,	PUNCT
ejif-11201	37	6	sharia	sharia	NOUN
ejif-11201	37	7	-	-	PUNCT
ejif-11201	37	8	compliant	compliant	ADJ
ejif-11201	37	9	finance	finance	NOUN
ejif-11201	37	10	encourages	encourage	VERB
ejif-11201	37	11	the	the	DET
ejif-11201	37	12	sharing	sharing	NOUN
ejif-11201	37	13	of	of	ADP
ejif-11201	37	14	profits	profit	NOUN
ejif-11201	37	15	and	and	CCONJ
ejif-11201	37	16	losses	loss	NOUN
ejif-11201	37	17	,	,	PUNCT
ejif-11201	37	18	as	as	ADV
ejif-11201	37	19	well	well	ADV
ejif-11201	37	20	as	as	ADP
ejif-11201	37	21	risk	risk	NOUN
ejif-11201	37	22	.	.	PUNCT
ejif-11201	38	1	while	while	SCONJ
ejif-11201	38	2	historically	historically	ADV
ejif-11201	38	3	the	the	DET
ejif-11201	38	4	core	core	ADJ
ejif-11201	38	5	principles	principle	NOUN
ejif-11201	38	6	of	of	ADP
ejif-11201	38	7	numerous	numerous	ADJ
ejif-11201	38	8	major	major	ADJ
ejif-11201	38	9	religions	religion	NOUN
ejif-11201	38	10	(	(	PUNCT
ejif-11201	38	11	judaism	judaism	NOUN
ejif-11201	38	12	and	and	CCONJ
ejif-11201	38	13	christianity	christianity	PROPN
ejif-11201	38	14	foremost	foremost	ADV
ejif-11201	38	15	)	)	PUNCT
ejif-11201	38	16	have	have	AUX
ejif-11201	38	17	prohibited	prohibit	VERB
ejif-11201	38	18	the	the	DET
ejif-11201	38	19	receipt	receipt	NOUN
ejif-11201	38	20	and	and	CCONJ
ejif-11201	38	21	payment	payment	NOUN
ejif-11201	38	22	of	of	ADP
ejif-11201	38	23	interest	interest	NOUN
ejif-11201	38	24	,	,	PUNCT
ejif-11201	38	25	islam	islam	PROPN
ejif-11201	38	26	stands	stand	VERB
ejif-11201	38	27	out	out	ADP
ejif-11201	38	28	in	in	ADP
ejif-11201	38	29	that	that	SCONJ
ejif-11201	38	30	its	its	PRON
ejif-11201	38	31	adherents	adherent	NOUN
ejif-11201	38	32	'	'	PART
ejif-11201	38	33	attitudes	attitude	NOUN
ejif-11201	38	34	regarding	regard	VERB
ejif-11201	38	35	interest	interest	NOUN
ejif-11201	38	36	-	-	PUNCT
ejif-11201	38	37	bearing	bear	VERB
ejif-11201	38	38	credit	credit	NOUN
ejif-11201	38	39	have	have	AUX
ejif-11201	38	40	remained	remain	VERB
ejif-11201	38	41	relatively	relatively	ADV
ejif-11201	38	42	unchanged	unchanged	ADJ
ejif-11201	38	43	(	(	PUNCT
ejif-11201	38	44	demirguckunt	demirguckunt	NOUN
ejif-11201	38	45	et	et	PROPN
ejif-11201	38	46	al	al	PROPN
ejif-11201	38	47	.	.	PROPN
ejif-11201	38	48	,	,	PUNCT
ejif-11201	38	49	2014	2014	NUM
ejif-11201	38	50	)	)	PUNCT
ejif-11201	38	51	.	.	PUNCT
ejif-11201	39	1	the	the	DET
ejif-11201	39	2	article	article	NOUN
ejif-11201	39	3	on	on	ADP
ejif-11201	39	4	islamic	islamic	PROPN
ejif-11201	39	5	finance	finance	NOUN
ejif-11201	39	6	published	publish	VERB
ejif-11201	39	7	in	in	ADP
ejif-11201	39	8	february	february	PROPN
ejif-11201	39	9	2013	2013	NUM
ejif-11201	39	10	explained	explain	VERB
ejif-11201	39	11	it	it	PRON
ejif-11201	39	12	as	as	SCONJ
ejif-11201	39	13	follows	follow	VERB
ejif-11201	39	14	:	:	PUNCT
ejif-11201	39	15	“	"	PUNCT
ejif-11201	39	16	in	in	ADP
ejif-11201	39	17	an	an	DET
ejif-11201	39	18	islamic	islamic	PROPN
ejif-11201	39	19	bank	bank	NOUN
ejif-11201	39	20	,	,	PUNCT
ejif-11201	39	21	the	the	DET
ejif-11201	39	22	money	money	NOUN
ejif-11201	39	23	provided	provide	VERB
ejif-11201	39	24	in	in	ADP
ejif-11201	39	25	the	the	DET
ejif-11201	39	26	form	form	NOUN
ejif-11201	39	27	of	of	ADP
ejif-11201	39	28	deposits	deposit	NOUN
ejif-11201	39	29	is	be	AUX
ejif-11201	39	30	not	not	PART
ejif-11201	39	31	loaned	loan	VERB
ejif-11201	39	32	,	,	PUNCT
ejif-11201	39	33	but	but	CCONJ
ejif-11201	39	34	is	be	AUX
ejif-11201	39	35	instead	instead	ADV
ejif-11201	39	36	channeled	channel	VERB
ejif-11201	39	37	into	into	ADP
ejif-11201	39	38	an	an	DET
ejif-11201	39	39	underlying	underlie	VERB
ejif-11201	39	40	investment	investment	NOUN
ejif-11201	39	41	activity	activity	NOUN
ejif-11201	39	42	,	,	PUNCT
ejif-11201	39	43	which	which	PRON
ejif-11201	39	44	will	will	AUX
ejif-11201	39	45	earn	earn	VERB
ejif-11201	39	46	profit	profit	NOUN
ejif-11201	39	47	.	.	PUNCT
ejif-11201	40	1	the	the	DET
ejif-11201	40	2	depositor	depositor	NOUN
ejif-11201	40	3	is	be	AUX
ejif-11201	40	4	rewarded	reward	VERB
ejif-11201	40	5	by	by	ADP
ejif-11201	40	6	a	a	DET
ejif-11201	40	7	share	share	NOUN
ejif-11201	40	8	in	in	ADP
ejif-11201	40	9	that	that	DET
ejif-11201	40	10	profit	profit	NOUN
ejif-11201	40	11	,	,	PUNCT
ejif-11201	40	12	after	after	SCONJ
ejif-11201	40	13	a	a	DET
ejif-11201	40	14	management	management	NOUN
ejif-11201	40	15	fee	fee	NOUN
ejif-11201	40	16	is	be	AUX
ejif-11201	40	17	deducted	deduct	VERB
ejif-11201	40	18	by	by	ADP
ejif-11201	40	19	the	the	DET
ejif-11201	40	20	bank	bank	NOUN
ejif-11201	40	21	”	"	PUNCT
ejif-11201	40	22	(	(	PUNCT
ejif-11201	40	23	association	association	NOUN
ejif-11201	40	24	of	of	ADP
ejif-11201	40	25	chartered	chartered	ADJ
ejif-11201	40	26	certified	certify	VERB
ejif-11201	40	27	accountants	accountant	NOUN
ejif-11201	40	28	[	[	X
ejif-11201	40	29	acca	acca	NOUN
ejif-11201	40	30	]	]	PUNCT
ejif-11201	40	31	)	)	PUNCT
ejif-11201	40	32	.	.	PUNCT
ejif-11201	41	1	there	there	PRON
ejif-11201	41	2	are	be	VERB
ejif-11201	41	3	several	several	ADJ
ejif-11201	41	4	financing	financing	NOUN
ejif-11201	41	5	products	product	NOUN
ejif-11201	41	6	included	include	VERB
ejif-11201	41	7	in	in	ADP
ejif-11201	41	8	the	the	DET
ejif-11201	41	9	interest	interest	NOUN
ejif-11201	41	10	-	-	PUNCT
ejif-11201	41	11	free	free	ADJ
ejif-11201	41	12	islamic	islamic	ADJ
ejif-11201	41	13	finance	finance	NOUN
ejif-11201	41	14	system	system	NOUN
ejif-11201	41	15	(	(	PUNCT
ejif-11201	41	16	makroekonom	makroekonom	PROPN
ejif-11201	41	17	&	&	CCONJ
ejif-11201	41	18	arasindak	arasindak	PROPN
ejif-11201	41	19	,	,	PUNCT
ejif-11201	41	20	2022	2022	NUM
ejif-11201	41	21	)	)	PUNCT
ejif-11201	41	22	.	.	PUNCT
ejif-11201	42	1	there	there	PRON
ejif-11201	42	2	are	be	VERB
ejif-11201	42	3	two	two	NUM
ejif-11201	42	4	types	type	NOUN
ejif-11201	42	5	of	of	ADP
ejif-11201	42	6	islamic	islamic	ADJ
ejif-11201	42	7	finance	finance	NOUN
ejif-11201	42	8	available	available	ADJ
ejif-11201	42	9	to	to	ADP
ejif-11201	42	10	clients	client	NOUN
ejif-11201	42	11	of	of	ADP
ejif-11201	42	12	islamic	islamic	ADJ
ejif-11201	42	13	financial	financial	ADJ
ejif-11201	42	14	institutions	institution	NOUN
ejif-11201	42	15	:	:	PUNCT
ejif-11201	42	16	equity	equity	NOUN
ejif-11201	42	17	-	-	PUNCT
ejif-11201	42	18	based	base	VERB
ejif-11201	42	19	financing	financing	NOUN
ejif-11201	42	20	and	and	CCONJ
ejif-11201	42	21	asset	asset	NOUN
ejif-11201	42	22	-	-	PUNCT
ejif-11201	42	23	based	base	VERB
ejif-11201	42	24	financing	financing	NOUN
ejif-11201	42	25	.	.	PUNCT
ejif-11201	43	1	among	among	ADP
ejif-11201	43	2	these	these	DET
ejif-11201	43	3	financing	financing	NOUN
ejif-11201	43	4	products	product	NOUN
ejif-11201	43	5	are	be	AUX
ejif-11201	43	6	murabaha	murabaha	NOUN
ejif-11201	43	7	,	,	PUNCT
ejif-11201	43	8	mudaraba	mudaraba	PROPN
ejif-11201	43	9	,	,	PUNCT
ejif-11201	43	10	musharake	musharake	PROPN
ejif-11201	43	11	,	,	PUNCT
ejif-11201	43	12	salam	salam	PROPN
ejif-11201	43	13	,	,	PUNCT
ejif-11201	43	14	exception	exception	NOUN
ejif-11201	43	15	,	,	PUNCT
ejif-11201	43	16	and	and	CCONJ
ejif-11201	43	17	icare	icare	NOUN
ejif-11201	43	18	,	,	PUNCT
ejif-11201	43	19	and	and	CCONJ
ejif-11201	43	20	these	these	PRON
ejif-11201	43	21	happen	happen	VERB
ejif-11201	43	22	to	to	PART
ejif-11201	43	23	be	be	AUX
ejif-11201	43	24	among	among	ADP
ejif-11201	43	25	the	the	DET
ejif-11201	43	26	most	most	ADV
ejif-11201	43	27	well	well	ADV
ejif-11201	43	28	-	-	PUNCT
ejif-11201	43	29	known	know	VERB
ejif-11201	43	30	interest	interest	NOUN
ejif-11201	43	31	-	-	PUNCT
ejif-11201	43	32	free	free	ADJ
ejif-11201	43	33	financing	financing	NOUN
ejif-11201	43	34	products	product	NOUN
ejif-11201	43	35	(	(	PUNCT
ejif-11201	43	36	hassan	hassan	PROPN
ejif-11201	43	37	&	&	CCONJ
ejif-11201	43	38	mollah	mollah	ADJ
ejif-11201	43	39	,	,	PUNCT
ejif-11201	43	40	2018	2018	NUM
ejif-11201	43	41	)	)	PUNCT
ejif-11201	43	42	.	.	PUNCT
ejif-11201	44	1	research	research	NOUN
ejif-11201	44	2	indicates	indicate	VERB
ejif-11201	44	3	that	that	SCONJ
ejif-11201	44	4	,	,	PUNCT
ejif-11201	44	5	compared	compare	VERB
ejif-11201	44	6	to	to	ADP
ejif-11201	44	7	other	other	ADJ
ejif-11201	44	8	islamic	islamic	ADJ
ejif-11201	44	9	financial	financial	ADJ
ejif-11201	44	10	instruments	instrument	NOUN
ejif-11201	44	11	,	,	PUNCT
ejif-11201	44	12	the	the	DET
ejif-11201	44	13	financial	financial	ADJ
ejif-11201	44	14	sector	sector	NOUN
ejif-11201	44	15	utilizes	utilize	VERB
ejif-11201	44	16	murabaha	murabaha	NOUN
ejif-11201	44	17	at	at	ADP
ejif-11201	44	18	a	a	DET
ejif-11201	44	19	rate	rate	NOUN
ejif-11201	44	20	of	of	ADP
ejif-11201	44	21	between	between	ADP
ejif-11201	44	22	80	80	NUM
ejif-11201	44	23	and	and	CCONJ
ejif-11201	44	24	95	95	NUM
ejif-11201	44	25	percent	percent	NOUN
ejif-11201	44	26	(	(	PUNCT
ejif-11201	44	27	warde	warde	PROPN
ejif-11201	44	28	,	,	PUNCT
ejif-11201	44	29	2000	2000	NUM
ejif-11201	44	30	)	)	PUNCT
ejif-11201	44	31	.	.	PUNCT
ejif-11201	45	1	european	european	PROPN
ejif-11201	45	2	journal	journal	PROPN
ejif-11201	45	3	of	of	ADP
ejif-11201	45	4	islamic	islamic	PROPN
ejif-11201	45	5	finance	finance	PROPN
ejif-11201	45	6	issn	issn	PROPN
ejif-11201	45	7	:	:	PUNCT
ejif-11201	45	8	2421	2421	NUM
ejif-11201	45	9	-	-	SYM
ejif-11201	45	10	2172	2172	NUM
ejif-11201	45	11	doi	doi	NOUN
ejif-11201	45	12	:	:	PUNCT
ejif-11201	45	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	45	14	-	-	SYM
ejif-11201	45	15	2172/11201	2172/11201	NUM
ejif-11201	45	16	published	publish	VERB
ejif-11201	45	17	by	by	ADP
ejif-11201	45	18	university	university	PROPN
ejif-11201	45	19	of	of	ADP
ejif-11201	45	20	turin	turin	PROPN
ejif-11201	46	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	46	2	ejif	ejif	PROPN
ejif-11201	46	3	content	content	NOUN
ejif-11201	46	4	is	be	AUX
ejif-11201	46	5	licensed	license	VERB
ejif-11201	46	6	under	under	ADP
ejif-11201	46	7	a	a	DET
ejif-11201	46	8	creative	creative	ADJ
ejif-11201	46	9	commons	common	NOUN
ejif-11201	46	10	attribution	attribution	NOUN
ejif-11201	46	11	4.0	4.0	NUM
ejif-11201	46	12	international	international	ADJ
ejif-11201	46	13	license	license	NOUN
ejif-11201	46	14	74	74	NUM
ejif-11201	46	15	in	in	ADP
ejif-11201	46	16	a	a	DET
ejif-11201	46	17	murabaha	murabaha	NOUN
ejif-11201	46	18	agreement	agreement	NOUN
ejif-11201	46	19	,	,	PUNCT
ejif-11201	46	20	the	the	DET
ejif-11201	46	21	financial	financial	ADJ
ejif-11201	46	22	institution	institution	NOUN
ejif-11201	46	23	buys	buy	VERB
ejif-11201	46	24	the	the	DET
ejif-11201	46	25	desired	desire	VERB
ejif-11201	46	26	good	good	NOUN
ejif-11201	46	27	on	on	ADP
ejif-11201	46	28	behalf	behalf	NOUN
ejif-11201	46	29	of	of	ADP
ejif-11201	46	30	the	the	DET
ejif-11201	46	31	client	client	NOUN
ejif-11201	46	32	and	and	CCONJ
ejif-11201	46	33	then	then	ADV
ejif-11201	46	34	sells	sell	VERB
ejif-11201	46	35	it	it	PRON
ejif-11201	46	36	to	to	ADP
ejif-11201	46	37	them	they	PRON
ejif-11201	46	38	in	in	ADP
ejif-11201	46	39	monthly	monthly	ADJ
ejif-11201	46	40	installments	installment	NOUN
ejif-11201	46	41	at	at	ADP
ejif-11201	46	42	the	the	DET
ejif-11201	46	43	original	original	ADJ
ejif-11201	46	44	price	price	NOUN
ejif-11201	46	45	plus	plus	CCONJ
ejif-11201	46	46	a	a	DET
ejif-11201	46	47	mutually	mutually	ADV
ejif-11201	46	48	agreed	agree	VERB
ejif-11201	46	49	-	-	PUNCT
ejif-11201	46	50	upon	upon	ADP
ejif-11201	46	51	additional	additional	ADJ
ejif-11201	46	52	markup	markup	NOUN
ejif-11201	46	53	(	(	PUNCT
ejif-11201	46	54	young	young	ADJ
ejif-11201	46	55	,	,	PUNCT
ejif-11201	46	56	2020	2020	NUM
ejif-11201	46	57	)	)	PUNCT
ejif-11201	46	58	.	.	PUNCT
ejif-11201	47	1	unlike	unlike	ADP
ejif-11201	47	2	a	a	DET
ejif-11201	47	3	conventional	conventional	ADJ
ejif-11201	47	4	interest	interest	NOUN
ejif-11201	47	5	payment	payment	NOUN
ejif-11201	47	6	,	,	PUNCT
ejif-11201	47	7	the	the	DET
ejif-11201	47	8	monthly	monthly	ADJ
ejif-11201	47	9	installments	installment	NOUN
ejif-11201	47	10	remain	remain	VERB
ejif-11201	47	11	unchanged	unchanged	ADJ
ejif-11201	47	12	even	even	ADV
ejif-11201	47	13	if	if	SCONJ
ejif-11201	47	14	payments	payment	NOUN
ejif-11201	47	15	are	be	AUX
ejif-11201	47	16	not	not	PART
ejif-11201	47	17	made	make	VERB
ejif-11201	47	18	on	on	ADP
ejif-11201	47	19	time	time	NOUN
ejif-11201	47	20	.	.	PUNCT
ejif-11201	48	1	because	because	SCONJ
ejif-11201	48	2	islamic	islamic	ADJ
ejif-11201	48	3	banks	bank	NOUN
ejif-11201	48	4	are	be	AUX
ejif-11201	48	5	bound	bind	VERB
ejif-11201	48	6	by	by	ADP
ejif-11201	48	7	the	the	DET
ejif-11201	48	8	religious	religious	ADJ
ejif-11201	48	9	doctrine	doctrine	NOUN
ejif-11201	48	10	that	that	PRON
ejif-11201	48	11	views	view	VERB
ejif-11201	48	12	money	money	NOUN
ejif-11201	48	13	as	as	ADP
ejif-11201	48	14	merely	merely	ADV
ejif-11201	48	15	a	a	DET
ejif-11201	48	16	medium	medium	NOUN
ejif-11201	48	17	of	of	ADP
ejif-11201	48	18	exchange	exchange	NOUN
ejif-11201	48	19	with	with	ADP
ejif-11201	48	20	no	no	DET
ejif-11201	48	21	intrinsic	intrinsic	ADJ
ejif-11201	48	22	worth	worth	NOUN
ejif-11201	48	23	,	,	PUNCT
ejif-11201	48	24	they	they	PRON
ejif-11201	48	25	are	be	AUX
ejif-11201	48	26	not	not	PART
ejif-11201	48	27	allowed	allow	VERB
ejif-11201	48	28	to	to	PART
ejif-11201	48	29	charge	charge	VERB
ejif-11201	48	30	interest	interest	NOUN
ejif-11201	48	31	on	on	ADP
ejif-11201	48	32	loans	loan	NOUN
ejif-11201	48	33	.	.	PUNCT
ejif-11201	49	1	instead	instead	ADV
ejif-11201	49	2	,	,	PUNCT
ejif-11201	49	3	they	they	PRON
ejif-11201	49	4	must	must	AUX
ejif-11201	49	5	impose	impose	VERB
ejif-11201	49	6	a	a	DET
ejif-11201	49	7	fixed	fix	VERB
ejif-11201	49	8	fee	fee	NOUN
ejif-11201	49	9	in	in	ADP
ejif-11201	49	10	order	order	NOUN
ejif-11201	49	11	to	to	PART
ejif-11201	49	12	proceed	proceed	VERB
ejif-11201	49	13	with	with	ADP
ejif-11201	49	14	their	their	PRON
ejif-11201	49	15	everyday	everyday	ADJ
ejif-11201	49	16	business	business	NOUN
ejif-11201	49	17	(	(	PUNCT
ejif-11201	49	18	latif	latif	PROPN
ejif-11201	49	19	,	,	PUNCT
ejif-11201	49	20	2013	2013	NUM
ejif-11201	49	21	;	;	PUNCT
ejif-11201	49	22	young	young	ADJ
ejif-11201	49	23	,	,	PUNCT
ejif-11201	49	24	2020	2020	NUM
ejif-11201	49	25	)	)	PUNCT
ejif-11201	49	26	.	.	PUNCT
ejif-11201	50	1	businesses	business	NOUN
ejif-11201	50	2	use	use	VERB
ejif-11201	50	3	this	this	DET
ejif-11201	50	4	type	type	NOUN
ejif-11201	50	5	of	of	ADP
ejif-11201	50	6	financing	financing	NOUN
ejif-11201	50	7	when	when	SCONJ
ejif-11201	50	8	purchasing	purchase	VERB
ejif-11201	50	9	machinery	machinery	NOUN
ejif-11201	50	10	,	,	PUNCT
ejif-11201	50	11	equipment	equipment	NOUN
ejif-11201	50	12	,	,	PUNCT
ejif-11201	50	13	or	or	CCONJ
ejif-11201	50	14	raw	raw	ADJ
ejif-11201	50	15	materials	material	NOUN
ejif-11201	50	16	.	.	PUNCT
ejif-11201	51	1	additionally	additionally	ADV
ejif-11201	51	2	,	,	PUNCT
ejif-11201	51	3	murabaha	murabaha	NOUN
ejif-11201	51	4	is	be	AUX
ejif-11201	51	5	commonly	commonly	ADV
ejif-11201	51	6	used	use	VERB
ejif-11201	51	7	for	for	ADP
ejif-11201	51	8	short	short	ADJ
ejif-11201	51	9	-	-	PUNCT
ejif-11201	51	10	term	term	NOUN
ejif-11201	51	11	transactions	transaction	NOUN
ejif-11201	51	12	,	,	PUNCT
ejif-11201	51	13	such	such	ADJ
ejif-11201	51	14	as	as	ADP
ejif-11201	51	15	providing	provide	VERB
ejif-11201	51	16	importers	importer	NOUN
ejif-11201	51	17	with	with	ADP
ejif-11201	51	18	letters	letter	NOUN
ejif-11201	51	19	of	of	ADP
ejif-11201	51	20	credit	credit	NOUN
ejif-11201	51	21	(	(	PUNCT
ejif-11201	51	22	young	young	ADJ
ejif-11201	51	23	,	,	PUNCT
ejif-11201	51	24	2020	2020	NUM
ejif-11201	51	25	)	)	PUNCT
ejif-11201	51	26	.	.	PUNCT
ejif-11201	52	1	islamic	islamic	ADJ
ejif-11201	52	2	banks	bank	NOUN
ejif-11201	52	3	facilitate	facilitate	VERB
ejif-11201	52	4	easy	easy	ADJ
ejif-11201	52	5	access	access	NOUN
ejif-11201	52	6	to	to	ADP
ejif-11201	52	7	essential	essential	ADJ
ejif-11201	52	8	goods	good	NOUN
ejif-11201	52	9	for	for	ADP
ejif-11201	52	10	their	their	PRON
ejif-11201	52	11	consumers	consumer	NOUN
ejif-11201	52	12	through	through	ADP
ejif-11201	52	13	the	the	DET
ejif-11201	52	14	payment	payment	NOUN
ejif-11201	52	15	mechanism	mechanism	NOUN
ejif-11201	52	16	known	know	VERB
ejif-11201	52	17	as	as	ADP
ejif-11201	52	18	murabaha	murabaha	NOUN
ejif-11201	52	19	,	,	PUNCT
ejif-11201	52	20	which	which	PRON
ejif-11201	52	21	is	be	AUX
ejif-11201	52	22	both	both	PRON
ejif-11201	52	23	user	user	NOUN
ejif-11201	52	24	-	-	PUNCT
ejif-11201	52	25	friendly	friendly	ADJ
ejif-11201	52	26	and	and	CCONJ
ejif-11201	52	27	compliant	compliant	ADJ
ejif-11201	52	28	with	with	ADP
ejif-11201	52	29	islamic	islamic	ADJ
ejif-11201	52	30	law	law	NOUN
ejif-11201	52	31	.	.	PUNCT
ejif-11201	53	1	the	the	DET
ejif-11201	53	2	profitability	profitability	NOUN
ejif-11201	53	3	of	of	ADP
ejif-11201	53	4	islamic	islamic	ADJ
ejif-11201	53	5	commercial	commercial	ADJ
ejif-11201	53	6	banks	bank	NOUN
ejif-11201	53	7	increases	increase	VERB
ejif-11201	53	8	with	with	ADP
ejif-11201	53	9	the	the	DET
ejif-11201	53	10	amount	amount	NOUN
ejif-11201	53	11	of	of	ADP
ejif-11201	53	12	murabaha	murabaha	NOUN
ejif-11201	53	13	funding	funding	NOUN
ejif-11201	53	14	they	they	PRON
ejif-11201	53	15	provide	provide	VERB
ejif-11201	53	16	to	to	ADP
ejif-11201	53	17	their	their	PRON
ejif-11201	53	18	clients	client	NOUN
ejif-11201	53	19	(	(	PUNCT
ejif-11201	53	20	dewi	dewi	PROPN
ejif-11201	53	21	,	,	PUNCT
ejif-11201	53	22	2022	2022	NUM
ejif-11201	53	23	)	)	PUNCT
ejif-11201	53	24	.	.	PUNCT
ejif-11201	54	1	murabahah	murabahah	PROPN
ejif-11201	54	2	is	be	AUX
ejif-11201	54	3	the	the	DET
ejif-11201	54	4	most	most	ADV
ejif-11201	54	5	popular	popular	ADJ
ejif-11201	54	6	type	type	NOUN
ejif-11201	54	7	of	of	ADP
ejif-11201	54	8	financing	financing	NOUN
ejif-11201	54	9	in	in	ADP
ejif-11201	54	10	demand	demand	NOUN
ejif-11201	54	11	among	among	ADP
ejif-11201	54	12	customers	customer	NOUN
ejif-11201	54	13	(	(	PUNCT
ejif-11201	54	14	dewi	dewi	PROPN
ejif-11201	54	15	,	,	PUNCT
ejif-11201	54	16	2022	2022	NUM
ejif-11201	54	17	)	)	PUNCT
ejif-11201	54	18	.	.	PUNCT
ejif-11201	55	1	mudaraba	mudaraba	PROPN
ejif-11201	55	2	is	be	AUX
ejif-11201	55	3	another	another	DET
ejif-11201	55	4	financial	financial	ADJ
ejif-11201	55	5	product	product	NOUN
ejif-11201	55	6	offered	offer	VERB
ejif-11201	55	7	under	under	ADP
ejif-11201	55	8	islamic	islamic	ADJ
ejif-11201	55	9	finance	finance	NOUN
ejif-11201	55	10	;	;	PUNCT
ejif-11201	55	11	in	in	ADP
ejif-11201	55	12	this	this	DET
ejif-11201	55	13	product	product	NOUN
ejif-11201	55	14	,	,	PUNCT
ejif-11201	55	15	the	the	DET
ejif-11201	55	16	client	client	NOUN
ejif-11201	55	17	offers	offer	VERB
ejif-11201	55	18	effort	effort	NOUN
ejif-11201	55	19	and	and	CCONJ
ejif-11201	55	20	knowledge	knowledge	NOUN
ejif-11201	55	21	and	and	CCONJ
ejif-11201	55	22	the	the	DET
ejif-11201	55	23	bank	bank	NOUN
ejif-11201	55	24	provides	provide	VERB
ejif-11201	55	25	resources	resource	NOUN
ejif-11201	55	26	,	,	PUNCT
ejif-11201	55	27	or	or	CCONJ
ejif-11201	55	28	"	"	PUNCT
ejif-11201	55	29	capital	capital	NOUN
ejif-11201	55	30	,	,	PUNCT
ejif-11201	55	31	"	"	PUNCT
ejif-11201	55	32	with	with	ADP
ejif-11201	55	33	profits	profit	NOUN
ejif-11201	55	34	divided	divide	VERB
ejif-11201	55	35	at	at	ADP
ejif-11201	55	36	a	a	DET
ejif-11201	55	37	predetermined	predetermined	ADJ
ejif-11201	55	38	ratio	ratio	NOUN
ejif-11201	55	39	(	(	PUNCT
ejif-11201	55	40	oecd	oecd	PROPN
ejif-11201	55	41	,	,	PUNCT
ejif-11201	55	42	2020	2020	NUM
ejif-11201	55	43	;	;	PUNCT
ejif-11201	55	44	gundogdu	gundogdu	PROPN
ejif-11201	55	45	,	,	PUNCT
ejif-11201	55	46	n.d	n.d	PROPN
ejif-11201	55	47	.	.	PROPN
ejif-11201	55	48	;	;	PUNCT
ejif-11201	55	49	latif	latif	PROPN
ejif-11201	55	50	,	,	PUNCT
ejif-11201	55	51	2013	2013	NUM
ejif-11201	55	52	)	)	PUNCT
ejif-11201	55	53	.	.	PUNCT
ejif-11201	56	1	the	the	DET
ejif-11201	56	2	bank	bank	NOUN
ejif-11201	56	3	bears	bear	VERB
ejif-11201	56	4	all	all	PRON
ejif-11201	56	5	of	of	ADP
ejif-11201	56	6	the	the	DET
ejif-11201	56	7	losses	loss	NOUN
ejif-11201	56	8	,	,	PUNCT
ejif-11201	56	9	while	while	SCONJ
ejif-11201	56	10	the	the	DET
ejif-11201	56	11	client	client	NOUN
ejif-11201	56	12	is	be	AUX
ejif-11201	56	13	adequately	adequately	ADV
ejif-11201	56	14	protected	protect	VERB
ejif-11201	56	15	by	by	ADP
ejif-11201	56	16	limited	limited	ADJ
ejif-11201	56	17	liability	liability	NOUN
ejif-11201	56	18	measures	measure	NOUN
ejif-11201	56	19	(	(	PUNCT
ejif-11201	56	20	mahlaba	mahlaba	NOUN
ejif-11201	56	21	,	,	PUNCT
ejif-11201	56	22	2021	2021	NUM
ejif-11201	56	23	)	)	PUNCT
ejif-11201	56	24	.	.	PUNCT
ejif-11201	57	1	therefore	therefore	ADV
ejif-11201	57	2	,	,	PUNCT
ejif-11201	57	3	those	those	PRON
ejif-11201	57	4	involved	involve	VERB
ejif-11201	57	5	realize	realize	VERB
ejif-11201	57	6	their	their	PRON
ejif-11201	57	7	returns	return	NOUN
ejif-11201	57	8	by	by	ADP
ejif-11201	57	9	sharing	share	VERB
ejif-11201	57	10	in	in	ADP
ejif-11201	57	11	the	the	DET
ejif-11201	57	12	venture	venture	NOUN
ejif-11201	57	13	's	's	PART
ejif-11201	57	14	revenues	revenue	NOUN
ejif-11201	57	15	(	(	PUNCT
ejif-11201	57	16	oecd	oecd	PROPN
ejif-11201	57	17	,	,	PUNCT
ejif-11201	57	18	2020	2020	NUM
ejif-11201	57	19	;	;	PUNCT
ejif-11201	57	20	rammal	rammal	NOUN
ejif-11201	57	21	,	,	PUNCT
ejif-11201	57	22	2020	2020	NUM
ejif-11201	57	23	)	)	PUNCT
ejif-11201	57	24	.	.	PUNCT
ejif-11201	58	1	the	the	DET
ejif-11201	58	2	parties	party	NOUN
ejif-11201	58	3	achieve	achieve	VERB
ejif-11201	58	4	this	this	PRON
ejif-11201	58	5	by	by	ADP
ejif-11201	58	6	agreeing	agree	VERB
ejif-11201	58	7	on	on	ADP
ejif-11201	58	8	a	a	DET
ejif-11201	58	9	predetermined	predetermine	VERB
ejif-11201	58	10	rate	rate	NOUN
ejif-11201	58	11	for	for	ADP
ejif-11201	58	12	sharing	share	VERB
ejif-11201	58	13	the	the	DET
ejif-11201	58	14	profit	profit	NOUN
ejif-11201	58	15	,	,	PUNCT
ejif-11201	58	16	which	which	PRON
ejif-11201	58	17	ensures	ensure	VERB
ejif-11201	58	18	that	that	SCONJ
ejif-11201	58	19	the	the	DET
ejif-11201	58	20	division	division	NOUN
ejif-11201	58	21	of	of	ADP
ejif-11201	58	22	profit	profit	NOUN
ejif-11201	58	23	is	be	AUX
ejif-11201	58	24	always	always	ADV
ejif-11201	58	25	proportionate	proportionate	ADJ
ejif-11201	58	26	and	and	CCONJ
ejif-11201	58	27	can	can	AUX
ejif-11201	58	28	not	not	PART
ejif-11201	58	29	be	be	AUX
ejif-11201	58	30	a	a	DET
ejif-11201	58	31	lump	lump	NOUN
ejif-11201	58	32	sum	sum	NOUN
ejif-11201	58	33	or	or	CCONJ
ejif-11201	58	34	guaranteed	guarantee	VERB
ejif-11201	58	35	return	return	NOUN
ejif-11201	58	36	(	(	PUNCT
ejif-11201	58	37	rammal	rammal	NOUN
ejif-11201	58	38	,	,	PUNCT
ejif-11201	58	39	2020	2020	NUM
ejif-11201	58	40	)	)	PUNCT
ejif-11201	58	41	.	.	PUNCT
ejif-11201	59	1	the	the	DET
ejif-11201	59	2	financier	financier	NOUN
ejif-11201	59	3	gets	get	VERB
ejif-11201	59	4	the	the	DET
ejif-11201	59	5	principal	principal	ADJ
ejif-11201	59	6	amount	amount	NOUN
ejif-11201	59	7	and	and	CCONJ
ejif-11201	59	8	the	the	DET
ejif-11201	59	9	pre	pre	ADJ
ejif-11201	59	10	-	-	ADJ
ejif-11201	59	11	agreed	agreed	ADJ
ejif-11201	59	12	portion	portion	NOUN
ejif-11201	59	13	of	of	ADP
ejif-11201	59	14	the	the	DET
ejif-11201	59	15	earnings	earning	NOUN
ejif-11201	59	16	after	after	SCONJ
ejif-11201	59	17	the	the	DET
ejif-11201	59	18	business	business	NOUN
ejif-11201	59	19	activity	activity	NOUN
ejif-11201	59	20	is	be	AUX
ejif-11201	59	21	completed	complete	VERB
ejif-11201	59	22	(	(	PUNCT
ejif-11201	59	23	rammal	rammal	NOUN
ejif-11201	59	24	,	,	PUNCT
ejif-11201	59	25	2020	2020	NUM
ejif-11201	59	26	)	)	PUNCT
ejif-11201	59	27	.	.	PUNCT
ejif-11201	60	1	one	one	NUM
ejif-11201	60	2	of	of	ADP
ejif-11201	60	3	the	the	DET
ejif-11201	60	4	terms	term	NOUN
ejif-11201	60	5	of	of	ADP
ejif-11201	60	6	mudaraba	mudaraba	NOUN
ejif-11201	60	7	is	be	AUX
ejif-11201	60	8	that	that	SCONJ
ejif-11201	60	9	unless	unless	SCONJ
ejif-11201	60	10	the	the	DET
ejif-11201	60	11	venture	venture	NOUN
ejif-11201	60	12	's	's	PART
ejif-11201	60	13	risk	risk	NOUN
ejif-11201	60	14	is	be	AUX
ejif-11201	60	15	shared	share	VERB
ejif-11201	60	16	,	,	PUNCT
ejif-11201	60	17	the	the	DET
ejif-11201	60	18	financier	financier	NOUN
ejif-11201	60	19	is	be	AUX
ejif-11201	60	20	not	not	PART
ejif-11201	60	21	entitled	entitle	VERB
ejif-11201	60	22	to	to	ADP
ejif-11201	60	23	a	a	DET
ejif-11201	60	24	fixed	fix	VERB
ejif-11201	60	25	rate	rate	NOUN
ejif-11201	60	26	of	of	ADP
ejif-11201	60	27	return	return	NOUN
ejif-11201	60	28	or	or	CCONJ
ejif-11201	60	29	to	to	ADP
ejif-11201	60	30	any	any	DET
ejif-11201	60	31	increase	increase	NOUN
ejif-11201	60	32	in	in	ADP
ejif-11201	60	33	the	the	DET
ejif-11201	60	34	principal	principal	ADJ
ejif-11201	60	35	amount	amount	NOUN
ejif-11201	60	36	.	.	PUNCT
ejif-11201	61	1	a	a	DET
ejif-11201	61	2	variation	variation	NOUN
ejif-11201	61	3	of	of	ADP
ejif-11201	61	4	mudaraba	mudaraba	NOUN
ejif-11201	61	5	is	be	AUX
ejif-11201	61	6	called	call	VERB
ejif-11201	61	7	musharaka	musharaka	ADV
ejif-11201	61	8	,	,	PUNCT
ejif-11201	61	9	in	in	ADP
ejif-11201	61	10	which	which	PRON
ejif-11201	61	11	the	the	DET
ejif-11201	61	12	financial	financial	ADJ
ejif-11201	61	13	institution	institution	NOUN
ejif-11201	61	14	is	be	AUX
ejif-11201	61	15	one	one	NUM
ejif-11201	61	16	of	of	ADP
ejif-11201	61	17	many	many	ADJ
ejif-11201	61	18	investors	investor	NOUN
ejif-11201	61	19	and	and	CCONJ
ejif-11201	61	20	everyone	everyone	PRON
ejif-11201	61	21	shares	share	NOUN
ejif-11201	61	22	in	in	ADP
ejif-11201	61	23	the	the	DET
ejif-11201	61	24	gains	gain	NOUN
ejif-11201	61	25	and	and	CCONJ
ejif-11201	61	26	losses	loss	NOUN
ejif-11201	61	27	(	(	PUNCT
ejif-11201	62	1	demirguc	demirguc	PROPN
ejif-11201	62	2	-	-	PUNCT
ejif-11201	62	3	kunt	kunt	PROPN
ejif-11201	62	4	et	et	PROPN
ejif-11201	62	5	al	al	PROPN
ejif-11201	62	6	.	.	PROPN
ejif-11201	62	7	,	,	PUNCT
ejif-11201	62	8	2014	2014	NUM
ejif-11201	62	9	)	)	PUNCT
ejif-11201	62	10	.	.	PUNCT
ejif-11201	63	1	according	accord	VERB
ejif-11201	63	2	to	to	ADP
ejif-11201	63	3	usmani	usmani	PROPN
ejif-11201	63	4	(	(	PUNCT
ejif-11201	63	5	1998	1998	NUM
ejif-11201	63	6	)	)	PUNCT
ejif-11201	63	7	,	,	PUNCT
ejif-11201	63	8	the	the	DET
ejif-11201	63	9	term	term	NOUN
ejif-11201	63	10	musharakah	musharakah	NOUN
ejif-11201	63	11	in	in	ADP
ejif-11201	63	12	arabic	arabic	ADJ
ejif-11201	63	13	means	mean	VERB
ejif-11201	63	14	sharing	share	VERB
ejif-11201	63	15	.	.	PUNCT
ejif-11201	64	1	the	the	DET
ejif-11201	64	2	fundamental	fundamental	ADJ
ejif-11201	64	3	idea	idea	NOUN
ejif-11201	64	4	of	of	ADP
ejif-11201	64	5	a	a	DET
ejif-11201	64	6	musharakah	musharakah	ADJ
ejif-11201	64	7	contract	contract	NOUN
ejif-11201	64	8	is	be	AUX
ejif-11201	64	9	comparable	comparable	ADJ
ejif-11201	64	10	to	to	ADP
ejif-11201	64	11	that	that	PRON
ejif-11201	64	12	of	of	ADP
ejif-11201	64	13	an	an	DET
ejif-11201	64	14	english	english	ADJ
ejif-11201	64	15	law	law	PROPN
ejif-11201	64	16	partnership	partnership	NOUN
ejif-11201	64	17	contract	contract	NOUN
ejif-11201	64	18	,	,	PUNCT
ejif-11201	64	19	in	in	ADP
ejif-11201	64	20	which	which	PRON
ejif-11201	64	21	one	one	NUM
ejif-11201	64	22	or	or	CCONJ
ejif-11201	64	23	more	more	ADJ
ejif-11201	64	24	parties	party	NOUN
ejif-11201	64	25	join	join	VERB
ejif-11201	64	26	together	together	ADV
ejif-11201	64	27	to	to	PART
ejif-11201	64	28	establish	establish	VERB
ejif-11201	64	29	a	a	DET
ejif-11201	64	30	firm	firm	NOUN
ejif-11201	64	31	by	by	ADP
ejif-11201	64	32	contributing	contribute	VERB
ejif-11201	64	33	capital	capital	NOUN
ejif-11201	64	34	,	,	PUNCT
ejif-11201	64	35	materials	material	NOUN
ejif-11201	64	36	,	,	PUNCT
ejif-11201	64	37	and/or	and/or	CCONJ
ejif-11201	64	38	intellectual	intellectual	ADJ
ejif-11201	64	39	property	property	NOUN
ejif-11201	64	40	(	(	PUNCT
ejif-11201	64	41	imamnazarov	imamnazarov	ADJ
ejif-11201	64	42	,	,	PUNCT
ejif-11201	64	43	2020	2020	NUM
ejif-11201	64	44	;	;	PUNCT
ejif-11201	64	45	nurhayati	nurhayati	PROPN
ejif-11201	64	46	&	&	CCONJ
ejif-11201	64	47	wasilah	wasilah	PROPN
ejif-11201	64	48	,	,	PUNCT
ejif-11201	64	49	2016	2016	NUM
ejif-11201	64	50	)	)	PUNCT
ejif-11201	64	51	.	.	PUNCT
ejif-11201	65	1	a	a	DET
ejif-11201	65	2	few	few	ADJ
ejif-11201	65	3	other	other	ADJ
ejif-11201	65	4	islamic	islamic	ADJ
ejif-11201	65	5	financial	financial	ADJ
ejif-11201	65	6	products	product	NOUN
ejif-11201	65	7	are	be	AUX
ejif-11201	65	8	istisna	istisna	NOUN
ejif-11201	65	9	,	,	PUNCT
ejif-11201	65	10	salam	salam	PROPN
ejif-11201	65	11	(	(	PUNCT
ejif-11201	65	12	advance	advance	VERB
ejif-11201	65	13	payment	payment	NOUN
ejif-11201	65	14	-	-	PUNCT
ejif-11201	65	15	deferred	defer	VERB
ejif-11201	65	16	delivery	delivery	NOUN
ejif-11201	65	17	sale	sale	NOUN
ejif-11201	65	18	)	)	PUNCT
ejif-11201	65	19	,	,	PUNCT
ejif-11201	65	20	ijarah	ijarah	PROPN
ejif-11201	65	21	(	(	PUNCT
ejif-11201	65	22	leasing	leasing	NOUN
ejif-11201	65	23	)	)	PUNCT
ejif-11201	65	24	,	,	PUNCT
ejif-11201	65	25	and	and	CCONJ
ejif-11201	65	26	musawamah	musawamah	PROPN
ejif-11201	65	27	.	.	PUNCT
ejif-11201	66	1	the	the	DET
ejif-11201	66	2	contribution	contribution	NOUN
ejif-11201	66	3	of	of	ADP
ejif-11201	66	4	islamic	islamic	ADJ
ejif-11201	66	5	banking	banking	NOUN
ejif-11201	66	6	and	and	CCONJ
ejif-11201	66	7	finance	finance	NOUN
ejif-11201	66	8	to	to	ADP
ejif-11201	66	9	financial	financial	ADJ
ejif-11201	66	10	inclusion	inclusion	NOUN
ejif-11201	66	11	is	be	AUX
ejif-11201	66	12	a	a	DET
ejif-11201	66	13	topic	topic	NOUN
ejif-11201	66	14	of	of	ADP
ejif-11201	66	15	discussion	discussion	NOUN
ejif-11201	66	16	among	among	ADP
ejif-11201	66	17	academics	academic	NOUN
ejif-11201	66	18	.	.	PUNCT
ejif-11201	67	1	according	accord	VERB
ejif-11201	67	2	to	to	ADP
ejif-11201	67	3	some	some	DET
ejif-11201	67	4	academics	academic	NOUN
ejif-11201	67	5	(	(	PUNCT
ejif-11201	67	6	jouti	jouti	PROPN
ejif-11201	67	7	,	,	PUNCT
ejif-11201	67	8	2018	2018	NUM
ejif-11201	67	9	)	)	PUNCT
ejif-11201	67	10	,	,	PUNCT
ejif-11201	67	11	islamic	islamic	ADJ
ejif-11201	67	12	banking	banking	NOUN
ejif-11201	67	13	and	and	CCONJ
ejif-11201	67	14	finance	finance	NOUN
ejif-11201	67	15	promote	promote	VERB
ejif-11201	67	16	financial	financial	ADJ
ejif-11201	67	17	inclusion	inclusion	NOUN
ejif-11201	67	18	,	,	PUNCT
ejif-11201	67	19	whereas	whereas	SCONJ
ejif-11201	67	20	other	other	ADJ
ejif-11201	67	21	scholars	scholar	NOUN
ejif-11201	67	22	(	(	PUNCT
ejif-11201	67	23	warsame	warsame	NOUN
ejif-11201	67	24	,	,	PUNCT
ejif-11201	67	25	2015	2015	NUM
ejif-11201	67	26	;	;	PUNCT
ejif-11201	67	27	hadji	hadji	PROPN
ejif-11201	67	28	,	,	PUNCT
ejif-11201	67	29	2021	2021	NUM
ejif-11201	67	30	;	;	PUNCT
ejif-11201	67	31	sain	sain	PROPN
ejif-11201	67	32	et	et	PROPN
ejif-11201	67	33	al	al	PROPN
ejif-11201	67	34	.	.	PROPN
ejif-11201	67	35	,	,	PUNCT
ejif-11201	67	36	2018	2018	NUM
ejif-11201	67	37	;	;	PUNCT
ejif-11201	67	38	abdul	abdul	PROPN
ejif-11201	67	39	&	&	CCONJ
ejif-11201	67	40	asutay	asutay	PROPN
ejif-11201	67	41	,	,	PUNCT
ejif-11201	67	42	2022	2022	NUM
ejif-11201	67	43	;	;	PUNCT
ejif-11201	67	44	ali	ali	PROPN
ejif-11201	67	45	et	et	PROPN
ejif-11201	67	46	al	al	PROPN
ejif-11201	67	47	.	.	PROPN
ejif-11201	67	48	,	,	PUNCT
ejif-11201	67	49	2019	2019	NUM
ejif-11201	67	50	)	)	PUNCT
ejif-11201	67	51	suggest	suggest	VERB
ejif-11201	67	52	the	the	DET
ejif-11201	67	53	opposite	opposite	NOUN
ejif-11201	67	54	.	.	PUNCT
ejif-11201	68	1	against	against	ADP
ejif-11201	68	2	this	this	DET
ejif-11201	68	3	backdrop	backdrop	NOUN
ejif-11201	68	4	,	,	PUNCT
ejif-11201	68	5	it	it	PRON
ejif-11201	68	6	is	be	AUX
ejif-11201	68	7	crucial	crucial	ADJ
ejif-11201	68	8	to	to	PART
ejif-11201	68	9	examine	examine	VERB
ejif-11201	68	10	the	the	DET
ejif-11201	68	11	role	role	NOUN
ejif-11201	68	12	of	of	ADP
ejif-11201	68	13	islamic	islamic	ADJ
ejif-11201	68	14	financial	financial	ADJ
ejif-11201	68	15	institutions	institution	NOUN
ejif-11201	68	16	in	in	ADP
ejif-11201	68	17	promoting	promote	VERB
ejif-11201	68	18	financial	financial	ADJ
ejif-11201	68	19	inclusion	inclusion	NOUN
ejif-11201	68	20	,	,	PUNCT
ejif-11201	68	21	especially	especially	ADV
ejif-11201	68	22	among	among	ADP
ejif-11201	68	23	underserved	underserved	ADJ
ejif-11201	68	24	islamic	islamic	ADJ
ejif-11201	68	25	communities	community	NOUN
ejif-11201	68	26	.	.	PUNCT
ejif-11201	69	1	2	2	X
ejif-11201	69	2	.	.	X
ejif-11201	69	3	methodology	methodology	NOUN
ejif-11201	69	4	this	this	DET
ejif-11201	69	5	section	section	NOUN
ejif-11201	69	6	outlines	outline	VERB
ejif-11201	69	7	the	the	DET
ejif-11201	69	8	methodology	methodology	NOUN
ejif-11201	69	9	employed	employ	VERB
ejif-11201	69	10	to	to	PART
ejif-11201	69	11	identify	identify	VERB
ejif-11201	69	12	and	and	CCONJ
ejif-11201	69	13	analyze	analyze	VERB
ejif-11201	69	14	relevant	relevant	ADJ
ejif-11201	69	15	literature	literature	NOUN
ejif-11201	69	16	for	for	ADP
ejif-11201	69	17	the	the	DET
ejif-11201	69	18	review	review	NOUN
ejif-11201	69	19	.	.	PUNCT
ejif-11201	70	1	specifically	specifically	ADV
ejif-11201	70	2	,	,	PUNCT
ejif-11201	70	3	it	it	PRON
ejif-11201	70	4	provides	provide	VERB
ejif-11201	70	5	an	an	DET
ejif-11201	70	6	overview	overview	NOUN
ejif-11201	70	7	of	of	ADP
ejif-11201	70	8	the	the	DET
ejif-11201	70	9	research	research	NOUN
ejif-11201	70	10	design	design	NOUN
ejif-11201	70	11	,	,	PUNCT
ejif-11201	70	12	including	include	VERB
ejif-11201	70	13	the	the	DET
ejif-11201	70	14	criteria	criterion	NOUN
ejif-11201	70	15	for	for	ADP
ejif-11201	70	16	selecting	select	VERB
ejif-11201	70	17	studies	study	NOUN
ejif-11201	70	18	(	(	PUNCT
ejif-11201	70	19	inclusion	inclusion	NOUN
ejif-11201	70	20	and	and	CCONJ
ejif-11201	70	21	exclusion	exclusion	NOUN
ejif-11201	70	22	criteria	criterion	NOUN
ejif-11201	70	23	)	)	PUNCT
ejif-11201	70	24	,	,	PUNCT
ejif-11201	70	25	the	the	DET
ejif-11201	70	26	process	process	NOUN
ejif-11201	70	27	of	of	ADP
ejif-11201	70	28	data	datum	NOUN
ejif-11201	70	29	extraction	extraction	NOUN
ejif-11201	70	30	,	,	PUNCT
ejif-11201	70	31	and	and	CCONJ
ejif-11201	70	32	the	the	DET
ejif-11201	70	33	strategies	strategy	NOUN
ejif-11201	70	34	employed	employ	VERB
ejif-11201	70	35	to	to	PART
ejif-11201	70	36	ensure	ensure	VERB
ejif-11201	70	37	data	datum	NOUN
ejif-11201	70	38	reliability	reliability	NOUN
ejif-11201	70	39	and	and	CCONJ
ejif-11201	70	40	validity	validity	NOUN
ejif-11201	70	41	.	.	PUNCT
ejif-11201	71	1	2.1	2.1	NUM
ejif-11201	71	2	research	research	NOUN
ejif-11201	71	3	design	design	NOUN
ejif-11201	71	4	this	this	DET
ejif-11201	71	5	systematic	systematic	ADJ
ejif-11201	71	6	review	review	NOUN
ejif-11201	71	7	utilizes	utilize	VERB
ejif-11201	71	8	the	the	DET
ejif-11201	71	9	preferred	preferred	ADJ
ejif-11201	71	10	reporting	reporting	NOUN
ejif-11201	71	11	items	item	NOUN
ejif-11201	71	12	for	for	ADP
ejif-11201	71	13	systematic	systematic	ADJ
ejif-11201	71	14	reviews	review	NOUN
ejif-11201	71	15	and	and	CCONJ
ejif-11201	71	16	meta	meta	NOUN
ejif-11201	71	17	-	-	PUNCT
ejif-11201	71	18	analyses	analysis	NOUN
ejif-11201	71	19	(	(	PUNCT
ejif-11201	71	20	prisma	prisma	NOUN
ejif-11201	71	21	)	)	PUNCT
ejif-11201	71	22	guidelines	guideline	NOUN
ejif-11201	71	23	to	to	PART
ejif-11201	71	24	investigate	investigate	VERB
ejif-11201	71	25	the	the	DET
ejif-11201	71	26	potential	potential	NOUN
ejif-11201	71	27	of	of	ADP
ejif-11201	71	28	islamic	islamic	ADJ
ejif-11201	71	29	finance	finance	NOUN
ejif-11201	71	30	in	in	ADP
ejif-11201	71	31	bridging	bridge	VERB
ejif-11201	71	32	the	the	DET
ejif-11201	71	33	financial	financial	ADJ
ejif-11201	71	34	inclusion	inclusion	NOUN
ejif-11201	71	35	gap	gap	NOUN
ejif-11201	71	36	.	.	PUNCT
ejif-11201	72	1	the	the	DET
ejif-11201	72	2	prisma	prisma	PROPN
ejif-11201	72	3	framework	framework	NOUN
ejif-11201	72	4	ensures	ensure	VERB
ejif-11201	72	5	transparency	transparency	NOUN
ejif-11201	72	6	,	,	PUNCT
ejif-11201	72	7	reproducibility	reproducibility	NOUN
ejif-11201	72	8	,	,	PUNCT
ejif-11201	72	9	and	and	CCONJ
ejif-11201	72	10	quality	quality	NOUN
ejif-11201	72	11	in	in	ADP
ejif-11201	72	12	systematic	systematic	ADJ
ejif-11201	72	13	reviews	review	NOUN
ejif-11201	72	14	.	.	PUNCT
ejif-11201	73	1	the	the	DET
ejif-11201	73	2	prisma	prisma	PROPN
ejif-11201	73	3	methodology	methodology	NOUN
ejif-11201	73	4	was	be	AUX
ejif-11201	73	5	adopted	adopt	VERB
ejif-11201	73	6	owing	owe	VERB
ejif-11201	73	7	to	to	ADP
ejif-11201	73	8	its	its	PRON
ejif-11201	73	9	comprehensiveness	comprehensiveness	NOUN
ejif-11201	73	10	and	and	CCONJ
ejif-11201	73	11	wider	wide	ADJ
ejif-11201	73	12	applicability	applicability	NOUN
ejif-11201	73	13	.	.	PUNCT
ejif-11201	74	1	prisma	prisma	PROPN
ejif-11201	74	2	has	have	AUX
ejif-11201	74	3	been	be	AUX
ejif-11201	74	4	applied	apply	VERB
ejif-11201	74	5	to	to	ADP
ejif-11201	74	6	several	several	ADJ
ejif-11201	74	7	studies	study	NOUN
ejif-11201	74	8	across	across	ADP
ejif-11201	74	9	various	various	ADJ
ejif-11201	74	10	fields	field	NOUN
ejif-11201	74	11	.	.	PUNCT
ejif-11201	75	1	the	the	DET
ejif-11201	75	2	research	research	NOUN
ejif-11201	75	3	began	begin	VERB
ejif-11201	75	4	by	by	ADP
ejif-11201	75	5	specifying	specify	VERB
ejif-11201	75	6	the	the	DET
ejif-11201	75	7	research	research	NOUN
ejif-11201	75	8	question	question	NOUN
ejif-11201	75	9	:	:	PUNCT
ejif-11201	75	10	what	what	DET
ejif-11201	75	11	role	role	NOUN
ejif-11201	75	12	does	do	AUX
ejif-11201	75	13	islamic	islamic	PROPN
ejif-11201	75	14	finance	finance	NOUN
ejif-11201	75	15	play	play	VERB
ejif-11201	75	16	in	in	ADP
ejif-11201	75	17	fostering	foster	VERB
ejif-11201	75	18	financial	financial	ADJ
ejif-11201	75	19	inclusion	inclusion	NOUN
ejif-11201	75	20	?	?	PUNCT
ejif-11201	76	1	the	the	DET
ejif-11201	76	2	next	next	ADJ
ejif-11201	76	3	step	step	NOUN
ejif-11201	76	4	involved	involve	VERB
ejif-11201	76	5	conducting	conduct	VERB
ejif-11201	76	6	a	a	DET
ejif-11201	76	7	comprehensive	comprehensive	ADJ
ejif-11201	76	8	literature	literature	NOUN
ejif-11201	76	9	search	search	NOUN
ejif-11201	76	10	.	.	PUNCT
ejif-11201	77	1	an	an	DET
ejif-11201	77	2	electronic	electronic	ADJ
ejif-11201	77	3	database	database	NOUN
ejif-11201	77	4	(	(	PUNCT
ejif-11201	77	5	scopus	scopus	PROPN
ejif-11201	77	6	)	)	PUNCT
ejif-11201	77	7	was	be	AUX
ejif-11201	77	8	utilized	utilize	VERB
ejif-11201	77	9	to	to	PART
ejif-11201	77	10	select	select	VERB
ejif-11201	77	11	articles	article	NOUN
ejif-11201	77	12	on	on	ADP
ejif-11201	77	13	islamic	islamic	ADJ
ejif-11201	77	14	finance	finance	NOUN
ejif-11201	77	15	from	from	ADP
ejif-11201	77	16	relevant	relevant	ADJ
ejif-11201	77	17	journals	journal	NOUN
ejif-11201	77	18	.	.	PUNCT
ejif-11201	78	1	the	the	DET
ejif-11201	78	2	prisma	prisma	PROPN
ejif-11201	78	3	flowchart	flowchart	NOUN
ejif-11201	78	4	shown	show	VERB
ejif-11201	78	5	in	in	ADP
ejif-11201	78	6	figure	figure	NOUN
ejif-11201	78	7	1	1	NUM
ejif-11201	78	8	below	below	ADP
ejif-11201	78	9	outlines	outline	NOUN
ejif-11201	78	10	the	the	DET
ejif-11201	78	11	procedures	procedure	NOUN
ejif-11201	78	12	followed	follow	VERB
ejif-11201	78	13	to	to	PART
ejif-11201	78	14	retrieve	retrieve	VERB
ejif-11201	78	15	articles	article	NOUN
ejif-11201	78	16	for	for	ADP
ejif-11201	78	17	this	this	DET
ejif-11201	78	18	review	review	NOUN
ejif-11201	78	19	from	from	ADP
ejif-11201	78	20	the	the	DET
ejif-11201	78	21	scopus	scopus	PROPN
ejif-11201	78	22	database	database	NOUN
ejif-11201	78	23	.	.	PUNCT
ejif-11201	79	1	as	as	ADP
ejif-11201	79	2	a	a	DET
ejif-11201	79	3	search	search	NOUN
ejif-11201	79	4	strategy	strategy	NOUN
ejif-11201	79	5	,	,	PUNCT
ejif-11201	79	6	the	the	DET
ejif-11201	79	7	researchers	researcher	NOUN
ejif-11201	79	8	used	use	VERB
ejif-11201	79	9	boolean	boolean	ADJ
ejif-11201	79	10	operators	operator	NOUN
ejif-11201	79	11	and/or	and/or	CCONJ
ejif-11201	79	12	in	in	ADP
ejif-11201	79	13	order	order	NOUN
ejif-11201	79	14	to	to	PART
ejif-11201	79	15	get	get	VERB
ejif-11201	79	16	articles	article	NOUN
ejif-11201	79	17	for	for	ADP
ejif-11201	79	18	the	the	DET
ejif-11201	79	19	research	research	NOUN
ejif-11201	79	20	.	.	PUNCT
ejif-11201	80	1	in	in	ADP
ejif-11201	80	2	addition	addition	NOUN
ejif-11201	80	3	,	,	PUNCT
ejif-11201	80	4	the	the	DET
ejif-11201	80	5	terms	term	NOUN
ejif-11201	80	6	were	be	AUX
ejif-11201	80	7	arranged	arrange	VERB
ejif-11201	80	8	in	in	ADP
ejif-11201	80	9	the	the	DET
ejif-11201	80	10	following	follow	VERB
ejif-11201	80	11	form	form	NOUN
ejif-11201	80	12	:	:	PUNCT
ejif-11201	80	13	title	title	NOUN
ejif-11201	80	14	-	-	PUNCT
ejif-11201	80	15	abs	ab	NOUN
ejif-11201	80	16	-	-	PUNCT
ejif-11201	80	17	key	key	NOUN
ejif-11201	80	18	"	"	PUNCT
ejif-11201	80	19	financial	financial	ADJ
ejif-11201	80	20	inclusion	inclusion	NOUN
ejif-11201	80	21	or	or	CCONJ
ejif-11201	80	22	integration	integration	NOUN
ejif-11201	80	23	"	"	PUNCT
ejif-11201	80	24	and	and	CCONJ
ejif-11201	80	25	(	(	PUNCT
ejif-11201	80	26	“	"	PUNCT
ejif-11201	80	27	islamic	islamic	ADJ
ejif-11201	80	28	and	and	CCONJ
ejif-11201	80	29	finance	finance	NOUN
ejif-11201	80	30	or	or	CCONJ
ejif-11201	80	31	banking	banking	NOUN
ejif-11201	80	32	or	or	CCONJ
ejif-11201	80	33	accounting	accounting	NOUN
ejif-11201	80	34	”	"	PUNCT
ejif-11201	80	35	)	)	PUNCT
ejif-11201	80	36	.	.	PUNCT
ejif-11201	81	1	the	the	DET
ejif-11201	81	2	terms	term	NOUN
ejif-11201	81	3	used	use	VERB
ejif-11201	81	4	in	in	ADP
ejif-11201	81	5	the	the	DET
ejif-11201	81	6	search	search	NOUN
ejif-11201	81	7	process	process	NOUN
ejif-11201	81	8	were	be	AUX
ejif-11201	81	9	examined	examine	VERB
ejif-11201	81	10	in	in	ADP
ejif-11201	81	11	the	the	DET
ejif-11201	81	12	study	study	NOUN
ejif-11201	81	13	’s	’s	PART
ejif-11201	81	14	text	text	NOUN
ejif-11201	81	15	,	,	PUNCT
ejif-11201	81	16	titles	title	NOUN
ejif-11201	81	17	,	,	PUNCT
ejif-11201	81	18	keywords	keyword	NOUN
ejif-11201	81	19	,	,	PUNCT
ejif-11201	81	20	and	and	CCONJ
ejif-11201	81	21	abstracts	abstract	NOUN
ejif-11201	81	22	in	in	ADP
ejif-11201	81	23	the	the	DET
ejif-11201	81	24	scopus	scopus	PROPN
ejif-11201	81	25	database	database	NOUN
ejif-11201	81	26	,	,	PUNCT
ejif-11201	81	27	spanning	span	VERB
ejif-11201	81	28	the	the	DET
ejif-11201	81	29	period	period	NOUN
ejif-11201	81	30	from	from	ADP
ejif-11201	81	31	2013	2013	NUM
ejif-11201	81	32	to	to	ADP
ejif-11201	81	33	2024	2024	NUM
ejif-11201	81	34	.	.	PUNCT
ejif-11201	82	1	european	european	PROPN
ejif-11201	82	2	journal	journal	PROPN
ejif-11201	82	3	of	of	ADP
ejif-11201	82	4	islamic	islamic	PROPN
ejif-11201	82	5	finance	finance	PROPN
ejif-11201	82	6	issn	issn	PROPN
ejif-11201	82	7	:	:	PUNCT
ejif-11201	82	8	2421	2421	NUM
ejif-11201	82	9	-	-	SYM
ejif-11201	82	10	2172	2172	NUM
ejif-11201	82	11	doi	doi	NOUN
ejif-11201	82	12	:	:	PUNCT
ejif-11201	82	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	82	14	-	-	SYM
ejif-11201	82	15	2172/11201	2172/11201	NUM
ejif-11201	82	16	published	publish	VERB
ejif-11201	82	17	by	by	ADP
ejif-11201	82	18	university	university	PROPN
ejif-11201	82	19	of	of	ADP
ejif-11201	82	20	turin	turin	PROPN
ejif-11201	83	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	83	2	ejif	ejif	PROPN
ejif-11201	83	3	content	content	NOUN
ejif-11201	83	4	is	be	AUX
ejif-11201	83	5	licensed	license	VERB
ejif-11201	83	6	under	under	ADP
ejif-11201	83	7	a	a	DET
ejif-11201	83	8	creative	creative	ADJ
ejif-11201	83	9	commons	common	NOUN
ejif-11201	83	10	attribution	attribution	NOUN
ejif-11201	83	11	4.0	4.0	NUM
ejif-11201	83	12	international	international	ADJ
ejif-11201	83	13	license	license	NOUN
ejif-11201	83	14	75	75	NUM
ejif-11201	83	15	2.2	2.2	NUM
ejif-11201	83	16	inclusion	inclusion	NOUN
ejif-11201	83	17	and	and	CCONJ
ejif-11201	83	18	exclusion	exclusion	NOUN
ejif-11201	83	19	criteria	criterion	NOUN
ejif-11201	83	20	following	follow	VERB
ejif-11201	83	21	the	the	DET
ejif-11201	83	22	literature	literature	NOUN
ejif-11201	83	23	search	search	NOUN
ejif-11201	83	24	,	,	PUNCT
ejif-11201	83	25	titles	title	NOUN
ejif-11201	83	26	and	and	CCONJ
ejif-11201	83	27	abstracts	abstract	NOUN
ejif-11201	83	28	were	be	AUX
ejif-11201	83	29	screened	screen	VERB
ejif-11201	83	30	for	for	ADP
ejif-11201	83	31	relevance	relevance	NOUN
ejif-11201	83	32	,	,	PUNCT
ejif-11201	83	33	and	and	CCONJ
ejif-11201	83	34	full	full	ADJ
ejif-11201	83	35	-	-	PUNCT
ejif-11201	83	36	text	text	NOUN
ejif-11201	83	37	articles	article	NOUN
ejif-11201	83	38	were	be	AUX
ejif-11201	83	39	assessed	assess	VERB
ejif-11201	83	40	for	for	ADP
ejif-11201	83	41	eligibility	eligibility	NOUN
ejif-11201	83	42	based	base	VERB
ejif-11201	83	43	on	on	ADP
ejif-11201	83	44	predetermined	predetermine	VERB
ejif-11201	83	45	inclusion	inclusion	NOUN
ejif-11201	83	46	criteria	criterion	NOUN
ejif-11201	83	47	.	.	PUNCT
ejif-11201	84	1	these	these	DET
ejif-11201	84	2	criteria	criterion	NOUN
ejif-11201	84	3	included	include	VERB
ejif-11201	84	4	peer	peer	NOUN
ejif-11201	84	5	-	-	PUNCT
ejif-11201	84	6	reviewed	review	VERB
ejif-11201	84	7	articles	article	NOUN
ejif-11201	84	8	,	,	PUNCT
ejif-11201	84	9	english	english	ADJ
ejif-11201	84	10	-	-	PUNCT
ejif-11201	84	11	language	language	NOUN
ejif-11201	84	12	publications	publication	NOUN
ejif-11201	84	13	,	,	PUNCT
ejif-11201	84	14	studies	study	NOUN
ejif-11201	84	15	focusing	focus	VERB
ejif-11201	84	16	on	on	ADP
ejif-11201	84	17	islamic	islamic	ADJ
ejif-11201	84	18	finance	finance	NOUN
ejif-11201	84	19	and	and	CCONJ
ejif-11201	84	20	financial	financial	ADJ
ejif-11201	84	21	inclusion	inclusion	NOUN
ejif-11201	84	22	,	,	PUNCT
ejif-11201	84	23	and	and	CCONJ
ejif-11201	84	24	publications	publication	NOUN
ejif-11201	84	25	from	from	ADP
ejif-11201	84	26	2013	2013	NUM
ejif-11201	84	27	to	to	ADP
ejif-11201	84	28	2024	2024	NUM
ejif-11201	84	29	.	.	PUNCT
ejif-11201	85	1	after	after	ADP
ejif-11201	85	2	identifying	identify	VERB
ejif-11201	85	3	eligible	eligible	ADJ
ejif-11201	85	4	studies	study	NOUN
ejif-11201	85	5	,	,	PUNCT
ejif-11201	85	6	duplicate	duplicate	ADJ
ejif-11201	85	7	publications	publication	NOUN
ejif-11201	85	8	were	be	AUX
ejif-11201	85	9	removed	remove	VERB
ejif-11201	85	10	,	,	PUNCT
ejif-11201	85	11	and	and	CCONJ
ejif-11201	85	12	the	the	DET
ejif-11201	85	13	remaining	remain	VERB
ejif-11201	85	14	studies	study	NOUN
ejif-11201	85	15	underwent	undergo	VERB
ejif-11201	85	16	data	datum	NOUN
ejif-11201	85	17	extraction	extraction	NOUN
ejif-11201	85	18	and	and	CCONJ
ejif-11201	85	19	analysis	analysis	NOUN
ejif-11201	85	20	.	.	PUNCT
ejif-11201	86	1	the	the	DET
ejif-11201	86	2	inclusion	inclusion	NOUN
ejif-11201	86	3	and	and	CCONJ
ejif-11201	86	4	exclusion	exclusion	NOUN
ejif-11201	86	5	criteria	criterion	NOUN
ejif-11201	86	6	played	play	VERB
ejif-11201	86	7	a	a	DET
ejif-11201	86	8	crucial	crucial	ADJ
ejif-11201	86	9	role	role	NOUN
ejif-11201	86	10	in	in	ADP
ejif-11201	86	11	guiding	guide	VERB
ejif-11201	86	12	the	the	DET
ejif-11201	86	13	authors	author	NOUN
ejif-11201	86	14	'	'	PART
ejif-11201	86	15	search	search	NOUN
ejif-11201	86	16	for	for	ADP
ejif-11201	86	17	relevant	relevant	ADJ
ejif-11201	86	18	studies	study	NOUN
ejif-11201	86	19	that	that	PRON
ejif-11201	86	20	directly	directly	ADV
ejif-11201	86	21	addressed	address	VERB
ejif-11201	86	22	the	the	DET
ejif-11201	86	23	research	research	NOUN
ejif-11201	86	24	questions	question	NOUN
ejif-11201	86	25	.	.	PUNCT
ejif-11201	87	1	through	through	ADP
ejif-11201	87	2	applying	apply	VERB
ejif-11201	87	3	these	these	DET
ejif-11201	87	4	criteria	criterion	NOUN
ejif-11201	87	5	,	,	PUNCT
ejif-11201	87	6	the	the	DET
ejif-11201	87	7	authors	author	NOUN
ejif-11201	87	8	were	be	AUX
ejif-11201	87	9	able	able	ADJ
ejif-11201	87	10	to	to	PART
ejif-11201	87	11	filter	filter	VERB
ejif-11201	87	12	out	out	ADP
ejif-11201	87	13	studies	study	NOUN
ejif-11201	87	14	that	that	PRON
ejif-11201	87	15	were	be	AUX
ejif-11201	87	16	not	not	PART
ejif-11201	87	17	aligned	align	VERB
ejif-11201	87	18	with	with	ADP
ejif-11201	87	19	the	the	DET
ejif-11201	87	20	research	research	NOUN
ejif-11201	87	21	objectives	objective	NOUN
ejif-11201	87	22	,	,	PUNCT
ejif-11201	87	23	resulting	result	VERB
ejif-11201	87	24	in	in	ADP
ejif-11201	87	25	a	a	DET
ejif-11201	87	26	more	more	ADV
ejif-11201	87	27	focused	focused	ADJ
ejif-11201	87	28	and	and	CCONJ
ejif-11201	87	29	relevant	relevant	ADJ
ejif-11201	87	30	set	set	NOUN
ejif-11201	87	31	of	of	ADP
ejif-11201	87	32	studies	study	NOUN
ejif-11201	87	33	.	.	PUNCT
ejif-11201	88	1	however	however	ADV
ejif-11201	88	2	,	,	PUNCT
ejif-11201	88	3	the	the	DET
ejif-11201	88	4	authors	author	NOUN
ejif-11201	88	5	acknowledge	acknowledge	VERB
ejif-11201	88	6	that	that	SCONJ
ejif-11201	88	7	the	the	DET
ejif-11201	88	8	inclusion	inclusion	NOUN
ejif-11201	88	9	and	and	CCONJ
ejif-11201	88	10	exclusion	exclusion	NOUN
ejif-11201	88	11	criteria	criterion	NOUN
ejif-11201	88	12	had	have	VERB
ejif-11201	88	13	some	some	DET
ejif-11201	88	14	limitations	limitation	NOUN
ejif-11201	88	15	.	.	PUNCT
ejif-11201	89	1	one	one	NUM
ejif-11201	89	2	notable	notable	ADJ
ejif-11201	89	3	limitation	limitation	NOUN
ejif-11201	89	4	was	be	AUX
ejif-11201	89	5	the	the	DET
ejif-11201	89	6	reliance	reliance	NOUN
ejif-11201	89	7	solely	solely	ADV
ejif-11201	89	8	on	on	ADP
ejif-11201	89	9	empirical	empirical	ADJ
ejif-11201	89	10	articles	article	NOUN
ejif-11201	89	11	,	,	PUNCT
ejif-11201	89	12	which	which	PRON
ejif-11201	89	13	may	may	AUX
ejif-11201	89	14	have	have	AUX
ejif-11201	89	15	overlooked	overlook	VERB
ejif-11201	89	16	valuable	valuable	ADJ
ejif-11201	89	17	theoretical	theoretical	ADJ
ejif-11201	89	18	insights	insight	NOUN
ejif-11201	89	19	from	from	ADP
ejif-11201	89	20	conference	conference	NOUN
ejif-11201	89	21	papers	paper	NOUN
ejif-11201	89	22	,	,	PUNCT
ejif-11201	89	23	book	book	NOUN
ejif-11201	89	24	chapters	chapter	NOUN
ejif-11201	89	25	,	,	PUNCT
ejif-11201	89	26	and	and	CCONJ
ejif-11201	89	27	other	other	ADJ
ejif-11201	89	28	relevant	relevant	ADJ
ejif-11201	89	29	publications	publication	NOUN
ejif-11201	89	30	.	.	PUNCT
ejif-11201	90	1	while	while	SCONJ
ejif-11201	90	2	empirical	empirical	ADJ
ejif-11201	90	3	articles	article	NOUN
ejif-11201	90	4	provided	provide	VERB
ejif-11201	90	5	rich	rich	ADJ
ejif-11201	90	6	,	,	PUNCT
ejif-11201	90	7	real	real	ADJ
ejif-11201	90	8	-	-	PUNCT
ejif-11201	90	9	world	world	NOUN
ejif-11201	90	10	experiences	experience	NOUN
ejif-11201	90	11	,	,	PUNCT
ejif-11201	90	12	the	the	DET
ejif-11201	90	13	absence	absence	NOUN
ejif-11201	90	14	of	of	ADP
ejif-11201	90	15	theoretical	theoretical	ADJ
ejif-11201	90	16	perspectives	perspective	NOUN
ejif-11201	90	17	may	may	AUX
ejif-11201	90	18	have	have	AUX
ejif-11201	90	19	resulted	result	VERB
ejif-11201	90	20	in	in	ADP
ejif-11201	90	21	an	an	DET
ejif-11201	90	22	incomplete	incomplete	ADJ
ejif-11201	90	23	understanding	understanding	NOUN
ejif-11201	90	24	of	of	ADP
ejif-11201	90	25	the	the	DET
ejif-11201	90	26	research	research	NOUN
ejif-11201	90	27	topic	topic	NOUN
ejif-11201	90	28	.	.	PUNCT
ejif-11201	91	1	furthermore	furthermore	ADV
ejif-11201	91	2	,	,	PUNCT
ejif-11201	91	3	language	language	NOUN
ejif-11201	91	4	barriers	barrier	NOUN
ejif-11201	91	5	presented	present	VERB
ejif-11201	91	6	another	another	DET
ejif-11201	91	7	challenge	challenge	NOUN
ejif-11201	91	8	,	,	PUNCT
ejif-11201	91	9	as	as	SCONJ
ejif-11201	91	10	the	the	DET
ejif-11201	91	11	authors	author	NOUN
ejif-11201	91	12	were	be	AUX
ejif-11201	91	13	unable	unable	ADJ
ejif-11201	91	14	to	to	PART
ejif-11201	91	15	access	access	VERB
ejif-11201	91	16	research	research	NOUN
ejif-11201	91	17	papers	paper	NOUN
ejif-11201	91	18	published	publish	VERB
ejif-11201	91	19	in	in	ADP
ejif-11201	91	20	languages	language	NOUN
ejif-11201	91	21	other	other	ADJ
ejif-11201	91	22	than	than	ADP
ejif-11201	91	23	english	english	PROPN
ejif-11201	91	24	.	.	PUNCT
ejif-11201	92	1	this	this	DET
ejif-11201	92	2	limitation	limitation	NOUN
ejif-11201	92	3	may	may	AUX
ejif-11201	92	4	have	have	AUX
ejif-11201	92	5	excluded	exclude	VERB
ejif-11201	92	6	relevant	relevant	ADJ
ejif-11201	92	7	studies	study	NOUN
ejif-11201	92	8	from	from	ADP
ejif-11201	92	9	non	non	ADJ
ejif-11201	92	10	-	-	ADJ
ejif-11201	92	11	english	english	ADJ
ejif-11201	92	12	-	-	PUNCT
ejif-11201	92	13	speaking	speak	VERB
ejif-11201	92	14	countries	country	NOUN
ejif-11201	92	15	,	,	PUNCT
ejif-11201	92	16	potentially	potentially	ADV
ejif-11201	92	17	introducing	introduce	VERB
ejif-11201	92	18	a	a	DET
ejif-11201	92	19	bias	bias	NOUN
ejif-11201	92	20	in	in	ADP
ejif-11201	92	21	the	the	DET
ejif-11201	92	22	sample	sample	NOUN
ejif-11201	92	23	of	of	ADP
ejif-11201	92	24	studies	study	NOUN
ejif-11201	92	25	reviewed	review	VERB
ejif-11201	92	26	.	.	PUNCT
ejif-11201	93	1	despite	despite	SCONJ
ejif-11201	93	2	these	these	DET
ejif-11201	93	3	limitations	limitation	NOUN
ejif-11201	93	4	,	,	PUNCT
ejif-11201	93	5	the	the	DET
ejif-11201	93	6	authors	author	NOUN
ejif-11201	93	7	believe	believe	VERB
ejif-11201	93	8	that	that	SCONJ
ejif-11201	93	9	the	the	DET
ejif-11201	93	10	inclusion	inclusion	NOUN
ejif-11201	93	11	and	and	CCONJ
ejif-11201	93	12	exclusion	exclusion	NOUN
ejif-11201	93	13	criteria	criterion	NOUN
ejif-11201	93	14	helped	help	VERB
ejif-11201	93	15	to	to	PART
ejif-11201	93	16	ensure	ensure	VERB
ejif-11201	93	17	a	a	DET
ejif-11201	93	18	focused	focused	ADJ
ejif-11201	93	19	and	and	CCONJ
ejif-11201	93	20	relevant	relevant	ADJ
ejif-11201	93	21	review	review	NOUN
ejif-11201	93	22	of	of	ADP
ejif-11201	93	23	the	the	DET
ejif-11201	93	24	literature	literature	NOUN
ejif-11201	93	25	.	.	PUNCT
ejif-11201	94	1	2.3	2.3	NUM
ejif-11201	94	2	data	datum	NOUN
ejif-11201	94	3	extraction	extraction	NOUN
ejif-11201	94	4	the	the	DET
ejif-11201	94	5	data	data	NOUN
ejif-11201	94	6	extraction	extraction	NOUN
ejif-11201	94	7	process	process	NOUN
ejif-11201	94	8	commenced	commence	VERB
ejif-11201	94	9	with	with	ADP
ejif-11201	94	10	exporting	export	VERB
ejif-11201	94	11	relevant	relevant	ADJ
ejif-11201	94	12	information	information	NOUN
ejif-11201	94	13	from	from	ADP
ejif-11201	94	14	identified	identify	VERB
ejif-11201	94	15	studies	study	NOUN
ejif-11201	94	16	into	into	ADP
ejif-11201	94	17	a	a	DET
ejif-11201	94	18	microsoft	microsoft	PROPN
ejif-11201	94	19	excel	excel	PROPN
ejif-11201	94	20	sheet	sheet	NOUN
ejif-11201	94	21	via	via	ADP
ejif-11201	94	22	a	a	DET
ejif-11201	94	23	csv	csv	NOUN
ejif-11201	94	24	file	file	NOUN
ejif-11201	94	25	.	.	PUNCT
ejif-11201	95	1	the	the	DET
ejif-11201	95	2	extracted	extract	VERB
ejif-11201	95	3	data	datum	NOUN
ejif-11201	95	4	included	include	VERB
ejif-11201	95	5	abstracts	abstract	NOUN
ejif-11201	95	6	,	,	PUNCT
ejif-11201	95	7	authors	author	NOUN
ejif-11201	95	8	'	'	PART
ejif-11201	95	9	details	detail	NOUN
ejif-11201	95	10	,	,	PUNCT
ejif-11201	95	11	research	research	NOUN
ejif-11201	95	12	paper	paper	NOUN
ejif-11201	95	13	titles	title	NOUN
ejif-11201	95	14	,	,	PUNCT
ejif-11201	95	15	citation	citation	NOUN
ejif-11201	95	16	counts	count	NOUN
ejif-11201	95	17	,	,	PUNCT
ejif-11201	95	18	and	and	CCONJ
ejif-11201	95	19	publication	publication	NOUN
ejif-11201	95	20	years	year	NOUN
ejif-11201	95	21	.	.	PUNCT
ejif-11201	96	1	to	to	PART
ejif-11201	96	2	ensure	ensure	VERB
ejif-11201	96	3	the	the	DET
ejif-11201	96	4	extracted	extract	VERB
ejif-11201	96	5	abstracts	abstract	NOUN
ejif-11201	96	6	aligned	align	VERB
ejif-11201	96	7	with	with	ADP
ejif-11201	96	8	the	the	DET
ejif-11201	96	9	research	research	NOUN
ejif-11201	96	10	objectives	objective	NOUN
ejif-11201	96	11	,	,	PUNCT
ejif-11201	96	12	a	a	DET
ejif-11201	96	13	thorough	thorough	ADJ
ejif-11201	96	14	review	review	NOUN
ejif-11201	96	15	was	be	AUX
ejif-11201	96	16	conducted	conduct	VERB
ejif-11201	96	17	.	.	PUNCT
ejif-11201	97	1	this	this	DET
ejif-11201	97	2	meticulous	meticulous	ADJ
ejif-11201	97	3	examination	examination	NOUN
ejif-11201	97	4	enabled	enable	VERB
ejif-11201	97	5	the	the	DET
ejif-11201	97	6	researcher	researcher	NOUN
ejif-11201	97	7	to	to	PART
ejif-11201	97	8	verify	verify	VERB
ejif-11201	97	9	whether	whether	SCONJ
ejif-11201	97	10	the	the	DET
ejif-11201	97	11	abstracts	abstract	NOUN
ejif-11201	97	12	provided	provide	VERB
ejif-11201	97	13	the	the	DET
ejif-11201	97	14	necessary	necessary	ADJ
ejif-11201	97	15	information	information	NOUN
ejif-11201	97	16	.	.	PUNCT
ejif-11201	98	1	following	follow	VERB
ejif-11201	98	2	the	the	DET
ejif-11201	98	3	initial	initial	ADJ
ejif-11201	98	4	review	review	NOUN
ejif-11201	98	5	,	,	PUNCT
ejif-11201	98	6	a	a	DET
ejif-11201	98	7	rigorous	rigorous	ADJ
ejif-11201	98	8	screening	screening	NOUN
ejif-11201	98	9	process	process	NOUN
ejif-11201	98	10	was	be	AUX
ejif-11201	98	11	undertaken	undertake	VERB
ejif-11201	98	12	to	to	PART
ejif-11201	98	13	finalize	finalize	VERB
ejif-11201	98	14	the	the	DET
ejif-11201	98	15	list	list	NOUN
ejif-11201	98	16	of	of	ADP
ejif-11201	98	17	documents	document	NOUN
ejif-11201	98	18	for	for	ADP
ejif-11201	98	19	inclusion	inclusion	NOUN
ejif-11201	98	20	.	.	PUNCT
ejif-11201	99	1	this	this	PRON
ejif-11201	99	2	involved	involve	VERB
ejif-11201	99	3	scrutinizing	scrutinize	VERB
ejif-11201	99	4	the	the	DET
ejif-11201	99	5	titles	title	NOUN
ejif-11201	99	6	and	and	CCONJ
ejif-11201	99	7	abstracts	abstract	NOUN
ejif-11201	99	8	of	of	ADP
ejif-11201	99	9	the	the	DET
ejif-11201	99	10	exported	export	VERB
ejif-11201	99	11	studies	study	NOUN
ejif-11201	99	12	to	to	PART
ejif-11201	99	13	determine	determine	VERB
ejif-11201	99	14	their	their	PRON
ejif-11201	99	15	relevance	relevance	NOUN
ejif-11201	99	16	.	.	PUNCT
ejif-11201	100	1	to	to	PART
ejif-11201	100	2	minimize	minimize	VERB
ejif-11201	100	3	potential	potential	ADJ
ejif-11201	100	4	bias	bias	NOUN
ejif-11201	100	5	and	and	CCONJ
ejif-11201	100	6	ensure	ensure	VERB
ejif-11201	100	7	objectivity	objectivity	NOUN
ejif-11201	100	8	,	,	PUNCT
ejif-11201	100	9	a	a	DET
ejif-11201	100	10	coding	code	VERB
ejif-11201	100	11	system	system	NOUN
ejif-11201	100	12	was	be	AUX
ejif-11201	100	13	implemented	implement	VERB
ejif-11201	100	14	.	.	PUNCT
ejif-11201	101	1	abstracts	abstract	NOUN
ejif-11201	101	2	were	be	AUX
ejif-11201	101	3	assigned	assign	VERB
ejif-11201	101	4	a	a	DET
ejif-11201	101	5	binary	binary	PROPN
ejif-11201	101	6	code	code	NOUN
ejif-11201	101	7	:	:	PUNCT
ejif-11201	101	8	0	0	NUM
ejif-11201	101	9	,	,	PUNCT
ejif-11201	101	10	indicating	indicate	VERB
ejif-11201	101	11	exclusion	exclusion	NOUN
ejif-11201	101	12	,	,	PUNCT
ejif-11201	101	13	and	and	CCONJ
ejif-11201	101	14	1	1	NUM
ejif-11201	101	15	,	,	PUNCT
ejif-11201	101	16	indicating	indicate	VERB
ejif-11201	101	17	inclusion	inclusion	NOUN
ejif-11201	101	18	.	.	PUNCT
ejif-11201	102	1	to	to	PART
ejif-11201	102	2	address	address	VERB
ejif-11201	102	3	potential	potential	ADJ
ejif-11201	102	4	biases	bias	NOUN
ejif-11201	102	5	,	,	PUNCT
ejif-11201	102	6	the	the	DET
ejif-11201	102	7	researchers	researcher	NOUN
ejif-11201	102	8	employed	employ	VERB
ejif-11201	102	9	a	a	DET
ejif-11201	102	10	dual	dual	ADV
ejif-11201	102	11	-	-	PUNCT
ejif-11201	102	12	coding	code	VERB
ejif-11201	102	13	approach	approach	NOUN
ejif-11201	102	14	,	,	PUNCT
ejif-11201	102	15	in	in	ADP
ejif-11201	102	16	which	which	PRON
ejif-11201	102	17	both	both	DET
ejif-11201	102	18	authors	author	NOUN
ejif-11201	102	19	independently	independently	ADV
ejif-11201	102	20	coded	code	VERB
ejif-11201	102	21	the	the	DET
ejif-11201	102	22	data	datum	NOUN
ejif-11201	102	23	.	.	PUNCT
ejif-11201	103	1	this	this	DET
ejif-11201	103	2	systematic	systematic	ADJ
ejif-11201	103	3	approach	approach	NOUN
ejif-11201	103	4	ensured	ensure	VERB
ejif-11201	103	5	consistency	consistency	NOUN
ejif-11201	103	6	and	and	CCONJ
ejif-11201	103	7	reliability	reliability	NOUN
ejif-11201	103	8	in	in	ADP
ejif-11201	103	9	the	the	DET
ejif-11201	103	10	selection	selection	NOUN
ejif-11201	103	11	process	process	NOUN
ejif-11201	103	12	.	.	PUNCT
ejif-11201	104	1	to	to	PART
ejif-11201	104	2	further	far	ADV
ejif-11201	104	3	ensure	ensure	VERB
ejif-11201	104	4	the	the	DET
ejif-11201	104	5	integrity	integrity	NOUN
ejif-11201	104	6	of	of	ADP
ejif-11201	104	7	the	the	DET
ejif-11201	104	8	screening	screening	NOUN
ejif-11201	104	9	process	process	NOUN
ejif-11201	104	10	,	,	PUNCT
ejif-11201	104	11	the	the	DET
ejif-11201	104	12	researchers	researcher	NOUN
ejif-11201	104	13	engaged	engage	VERB
ejif-11201	104	14	in	in	ADP
ejif-11201	104	15	a	a	DET
ejif-11201	104	16	collaborative	collaborative	ADJ
ejif-11201	104	17	discussion	discussion	NOUN
ejif-11201	104	18	to	to	PART
ejif-11201	104	19	examine	examine	VERB
ejif-11201	104	20	the	the	DET
ejif-11201	104	21	reasons	reason	NOUN
ejif-11201	104	22	behind	behind	ADP
ejif-11201	104	23	the	the	DET
ejif-11201	104	24	rejection	rejection	NOUN
ejif-11201	104	25	of	of	ADP
ejif-11201	104	26	certain	certain	ADJ
ejif-11201	104	27	papers	paper	NOUN
ejif-11201	104	28	.	.	PUNCT
ejif-11201	105	1	this	this	DET
ejif-11201	105	2	debriefing	debriefing	NOUN
ejif-11201	105	3	session	session	NOUN
ejif-11201	105	4	provided	provide	VERB
ejif-11201	105	5	valuable	valuable	ADJ
ejif-11201	105	6	insights	insight	NOUN
ejif-11201	105	7	into	into	ADP
ejif-11201	105	8	the	the	DET
ejif-11201	105	9	decision	decision	NOUN
ejif-11201	105	10	-	-	PUNCT
ejif-11201	105	11	making	make	VERB
ejif-11201	105	12	process	process	NOUN
ejif-11201	105	13	,	,	PUNCT
ejif-11201	105	14	clarifying	clarify	VERB
ejif-11201	105	15	any	any	DET
ejif-11201	105	16	discrepancies	discrepancy	NOUN
ejif-11201	105	17	and	and	CCONJ
ejif-11201	105	18	reinforcing	reinforce	VERB
ejif-11201	105	19	the	the	DET
ejif-11201	105	20	consistency	consistency	NOUN
ejif-11201	105	21	of	of	ADP
ejif-11201	105	22	the	the	DET
ejif-11201	105	23	inclusion	inclusion	NOUN
ejif-11201	105	24	and	and	CCONJ
ejif-11201	105	25	exclusion	exclusion	NOUN
ejif-11201	105	26	criteria	criterion	NOUN
ejif-11201	105	27	.	.	PUNCT
ejif-11201	106	1	2.4	2.4	NUM
ejif-11201	106	2	data	datum	NOUN
ejif-11201	106	3	reliability	reliability	NOUN
ejif-11201	106	4	following	follow	VERB
ejif-11201	106	5	the	the	DET
ejif-11201	106	6	rigorous	rigorous	ADJ
ejif-11201	106	7	data	datum	NOUN
ejif-11201	106	8	screening	screen	VERB
ejif-11201	106	9	process	process	NOUN
ejif-11201	106	10	,	,	PUNCT
ejif-11201	106	11	the	the	DET
ejif-11201	106	12	researchers	researcher	NOUN
ejif-11201	106	13	calculated	calculate	VERB
ejif-11201	106	14	cohen	cohen	PROPN
ejif-11201	106	15	's	's	PART
ejif-11201	106	16	kappa	kappa	PROPN
ejif-11201	106	17	coefficient	coefficient	NOUN
ejif-11201	106	18	to	to	PART
ejif-11201	106	19	evaluate	evaluate	VERB
ejif-11201	106	20	inter	inter	ADJ
ejif-11201	106	21	-	-	ADJ
ejif-11201	106	22	rater	rater	ADJ
ejif-11201	106	23	reliability	reliability	NOUN
ejif-11201	106	24	.	.	PUNCT
ejif-11201	107	1	this	this	DET
ejif-11201	107	2	statistical	statistical	ADJ
ejif-11201	107	3	measure	measure	NOUN
ejif-11201	107	4	quantifies	quantify	VERB
ejif-11201	107	5	the	the	DET
ejif-11201	107	6	agreement	agreement	NOUN
ejif-11201	107	7	between	between	ADP
ejif-11201	107	8	two	two	NUM
ejif-11201	107	9	raters	rater	NOUN
ejif-11201	107	10	,	,	PUNCT
ejif-11201	107	11	adjusting	adjust	VERB
ejif-11201	107	12	for	for	ADP
ejif-11201	107	13	chance	chance	NOUN
ejif-11201	107	14	agreement	agreement	NOUN
ejif-11201	107	15	(	(	PUNCT
ejif-11201	107	16	pykes	pyke	NOUN
ejif-11201	107	17	,	,	PUNCT
ejif-11201	107	18	2022	2022	NUM
ejif-11201	107	19	)	)	PUNCT
ejif-11201	107	20	.	.	PUNCT
ejif-11201	108	1	cohen	cohen	PROPN
ejif-11201	108	2	's	's	PART
ejif-11201	108	3	kappa	kappa	PROPN
ejif-11201	108	4	coefficient	coefficient	NOUN
ejif-11201	108	5	is	be	AUX
ejif-11201	108	6	calculated	calculate	VERB
ejif-11201	108	7	as	as	ADP
ejif-11201	108	8	the	the	DET
ejif-11201	108	9	probability	probability	NOUN
ejif-11201	108	10	of	of	ADP
ejif-11201	108	11	agreement	agreement	NOUN
ejif-11201	108	12	minus	minus	ADP
ejif-11201	108	13	the	the	DET
ejif-11201	108	14	probability	probability	NOUN
ejif-11201	108	15	of	of	ADP
ejif-11201	108	16	random	random	ADJ
ejif-11201	108	17	agreement	agreement	NOUN
ejif-11201	108	18	,	,	PUNCT
ejif-11201	108	19	divided	divide	VERB
ejif-11201	108	20	by	by	ADP
ejif-11201	108	21	one	one	NUM
ejif-11201	108	22	minus	minus	ADP
ejif-11201	108	23	the	the	DET
ejif-11201	108	24	probability	probability	NOUN
ejif-11201	108	25	of	of	ADP
ejif-11201	108	26	random	random	ADJ
ejif-11201	108	27	agreement	agreement	NOUN
ejif-11201	108	28	.	.	PUNCT
ejif-11201	109	1	cohen	cohen	PROPN
ejif-11201	109	2	's	's	PART
ejif-11201	109	3	kappa	kappa	PROPN
ejif-11201	109	4	is	be	AUX
ejif-11201	109	5	a	a	DET
ejif-11201	109	6	widely	widely	ADV
ejif-11201	109	7	accepted	accept	VERB
ejif-11201	109	8	metric	metric	ADJ
ejif-11201	109	9	for	for	ADP
ejif-11201	109	10	assessing	assess	VERB
ejif-11201	109	11	inter	inter	ADJ
ejif-11201	109	12	-	-	ADJ
ejif-11201	109	13	rater	rater	ADJ
ejif-11201	109	14	reliability	reliability	NOUN
ejif-11201	109	15	,	,	PUNCT
ejif-11201	109	16	particularly	particularly	ADV
ejif-11201	109	17	for	for	ADP
ejif-11201	109	18	qualitative	qualitative	ADJ
ejif-11201	109	19	items	item	NOUN
ejif-11201	109	20	.	.	PUNCT
ejif-11201	110	1	cohen	cohen	PROPN
ejif-11201	110	2	suggested	suggest	VERB
ejif-11201	110	3	the	the	DET
ejif-11201	110	4	kappa	kappa	PROPN
ejif-11201	110	5	result	result	PROPN
ejif-11201	110	6	be	be	AUX
ejif-11201	110	7	interpreted	interpret	VERB
ejif-11201	110	8	as	as	ADP
ejif-11201	110	9	follows	follow	VERB
ejif-11201	110	10	:	:	PUNCT
ejif-11201	110	11	values	value	NOUN
ejif-11201	110	12	≤	≤	ADJ
ejif-11201	110	13	0	0	PUNCT
ejif-11201	110	14	as	as	ADP
ejif-11201	110	15	indicating	indicate	VERB
ejif-11201	110	16	no	no	DET
ejif-11201	110	17	agreement	agreement	NOUN
ejif-11201	110	18	and	and	CCONJ
ejif-11201	110	19	0.01–0.20	0.01–0.20	NUM
ejif-11201	110	20	as	as	SCONJ
ejif-11201	110	21	none	none	NOUN
ejif-11201	110	22	to	to	PART
ejif-11201	110	23	slight	slight	VERB
ejif-11201	110	24	,	,	PUNCT
ejif-11201	110	25	0.21–0.40	0.21–0.40	NUM
ejif-11201	110	26	as	as	ADP
ejif-11201	110	27	fair	fair	ADJ
ejif-11201	110	28	,	,	PUNCT
ejif-11201	110	29	0.41	0.41	NUM
ejif-11201	110	30	–	–	PUNCT
ejif-11201	110	31	0.60	0.60	NUM
ejif-11201	110	32	as	as	ADP
ejif-11201	110	33	moderate	moderate	ADJ
ejif-11201	110	34	,	,	PUNCT
ejif-11201	110	35	0.61–0.80	0.61–0.80	NUM
ejif-11201	110	36	as	as	ADP
ejif-11201	110	37	substantial	substantial	ADJ
ejif-11201	110	38	,	,	PUNCT
ejif-11201	110	39	and	and	CCONJ
ejif-11201	110	40	0.81–1.00	0.81–1.00	NUM
ejif-11201	110	41	as	as	ADP
ejif-11201	110	42	almost	almost	ADV
ejif-11201	110	43	perfect	perfect	ADJ
ejif-11201	110	44	agreement	agreement	NOUN
ejif-11201	110	45	(	(	PUNCT
ejif-11201	110	46	pykes	pyke	NOUN
ejif-11201	110	47	,	,	PUNCT
ejif-11201	110	48	2022	2022	NUM
ejif-11201	110	49	)	)	PUNCT
ejif-11201	110	50	.	.	PUNCT
ejif-11201	111	1	in	in	ADP
ejif-11201	111	2	this	this	DET
ejif-11201	111	3	study	study	NOUN
ejif-11201	111	4	,	,	PUNCT
ejif-11201	111	5	the	the	DET
ejif-11201	111	6	calculated	calculated	ADJ
ejif-11201	111	7	cohen	cohen	PROPN
ejif-11201	111	8	's	's	PART
ejif-11201	111	9	kappa	kappa	PROPN
ejif-11201	111	10	coefficient	coefficient	NOUN
ejif-11201	111	11	was	be	AUX
ejif-11201	111	12	0.8934	0.8934	NUM
ejif-11201	111	13	,	,	PUNCT
ejif-11201	111	14	indicating	indicate	VERB
ejif-11201	111	15	an	an	DET
ejif-11201	111	16	almost	almost	ADV
ejif-11201	111	17	perfect	perfect	ADJ
ejif-11201	111	18	agreement	agreement	NOUN
ejif-11201	111	19	between	between	ADP
ejif-11201	111	20	the	the	DET
ejif-11201	111	21	two	two	NUM
ejif-11201	111	22	researchers	researcher	NOUN
ejif-11201	111	23	.	.	PUNCT
ejif-11201	112	1	this	this	DET
ejif-11201	112	2	high	high	ADJ
ejif-11201	112	3	level	level	NOUN
ejif-11201	112	4	of	of	ADP
ejif-11201	112	5	concordance	concordance	NOUN
ejif-11201	112	6	validates	validate	VERB
ejif-11201	112	7	the	the	DET
ejif-11201	112	8	reliability	reliability	NOUN
ejif-11201	112	9	of	of	ADP
ejif-11201	112	10	the	the	DET
ejif-11201	112	11	screening	screening	NOUN
ejif-11201	112	12	process	process	NOUN
ejif-11201	112	13	.	.	PUNCT
ejif-11201	113	1	european	european	PROPN
ejif-11201	113	2	journal	journal	PROPN
ejif-11201	113	3	of	of	ADP
ejif-11201	113	4	islamic	islamic	PROPN
ejif-11201	113	5	finance	finance	PROPN
ejif-11201	113	6	issn	issn	PROPN
ejif-11201	113	7	:	:	PUNCT
ejif-11201	113	8	2421	2421	NUM
ejif-11201	113	9	-	-	SYM
ejif-11201	113	10	2172	2172	NUM
ejif-11201	113	11	doi	doi	NOUN
ejif-11201	113	12	:	:	PUNCT
ejif-11201	113	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	113	14	-	-	SYM
ejif-11201	113	15	2172/11201	2172/11201	NUM
ejif-11201	113	16	published	publish	VERB
ejif-11201	113	17	by	by	ADP
ejif-11201	113	18	university	university	PROPN
ejif-11201	113	19	of	of	ADP
ejif-11201	113	20	turin	turin	PROPN
ejif-11201	114	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	114	2	ejif	ejif	PROPN
ejif-11201	114	3	content	content	NOUN
ejif-11201	114	4	is	be	AUX
ejif-11201	114	5	licensed	license	VERB
ejif-11201	114	6	under	under	ADP
ejif-11201	114	7	a	a	DET
ejif-11201	114	8	creative	creative	ADJ
ejif-11201	114	9	commons	common	NOUN
ejif-11201	114	10	attribution	attribution	NOUN
ejif-11201	114	11	4.0	4.0	NUM
ejif-11201	114	12	international	international	ADJ
ejif-11201	114	13	license	license	NOUN
ejif-11201	114	14	76	76	NUM
ejif-11201	114	15	figure	figure	NOUN
ejif-11201	114	16	1	1	NUM
ejif-11201	114	17	.	.	PUNCT
ejif-11201	115	1	the	the	DET
ejif-11201	115	2	prisma	prisma	NOUN
ejif-11201	115	3	process	process	NOUN
ejif-11201	115	4	adopted	adopt	VERB
ejif-11201	115	5	in	in	ADP
ejif-11201	115	6	screening	screen	VERB
ejif-11201	115	7	the	the	DET
ejif-11201	115	8	literature	literature	NOUN
ejif-11201	115	9	for	for	ADP
ejif-11201	115	10	analysis	analysis	NOUN
ejif-11201	115	11	source	source	NOUN
ejif-11201	115	12	:	:	PUNCT
ejif-11201	115	13	authors	author	NOUN
ejif-11201	115	14	’	'	PUNCT
ejif-11201	115	15	elaboration	elaboration	NOUN
ejif-11201	115	16	the	the	DET
ejif-11201	115	17	first	first	ADJ
ejif-11201	115	18	search	search	NOUN
ejif-11201	115	19	yielded	yield	VERB
ejif-11201	115	20	168	168	NUM
ejif-11201	115	21	documents	document	NOUN
ejif-11201	115	22	.	.	PUNCT
ejif-11201	116	1	the	the	DET
ejif-11201	116	2	researcher	researcher	NOUN
ejif-11201	116	3	then	then	ADV
ejif-11201	116	4	considered	consider	VERB
ejif-11201	116	5	keywords	keyword	NOUN
ejif-11201	116	6	such	such	ADJ
ejif-11201	116	7	as	as	ADP
ejif-11201	116	8	"	"	PUNCT
ejif-11201	116	9	financial	financial	ADJ
ejif-11201	116	10	inclusion	inclusion	NOUN
ejif-11201	116	11	,	,	PUNCT
ejif-11201	116	12	"	"	PUNCT
ejif-11201	116	13	"	"	PUNCT
ejif-11201	116	14	islamic	islamic	ADJ
ejif-11201	116	15	banking	banking	NOUN
ejif-11201	116	16	,	,	PUNCT
ejif-11201	116	17	"	"	PUNCT
ejif-11201	116	18	"	"	PUNCT
ejif-11201	116	19	islamic	islamic	ADJ
ejif-11201	116	20	finance	finance	NOUN
ejif-11201	116	21	,	,	PUNCT
ejif-11201	116	22	"	"	PUNCT
ejif-11201	116	23	"	"	PUNCT
ejif-11201	116	24	islamic	islamic	ADJ
ejif-11201	116	25	banks	bank	NOUN
ejif-11201	116	26	,	,	PUNCT
ejif-11201	116	27	"	"	PUNCT
ejif-11201	116	28	"	"	PUNCT
ejif-11201	116	29	islamic	islamic	ADJ
ejif-11201	116	30	microfinance	microfinance	NOUN
ejif-11201	116	31	,	,	PUNCT
ejif-11201	116	32	"	"	PUNCT
ejif-11201	116	33	"	"	PUNCT
ejif-11201	116	34	islamic	islamic	ADJ
ejif-11201	116	35	social	social	ADJ
ejif-11201	116	36	finance	finance	NOUN
ejif-11201	116	37	,	,	PUNCT
ejif-11201	116	38	"	"	PUNCT
ejif-11201	116	39	and	and	CCONJ
ejif-11201	116	40	"	"	PUNCT
ejif-11201	116	41	islamic	islamic	ADJ
ejif-11201	116	42	fintechs	fintech	NOUN
ejif-11201	116	43	"	"	PUNCT
ejif-11201	116	44	to	to	PART
ejif-11201	116	45	filter	filter	VERB
ejif-11201	116	46	these	these	DET
ejif-11201	116	47	documents	document	NOUN
ejif-11201	116	48	.	.	PUNCT
ejif-11201	117	1	this	this	DET
ejif-11201	117	2	filtering	filter	VERB
ejif-11201	117	3	process	process	NOUN
ejif-11201	117	4	saw	see	VERB
ejif-11201	117	5	115	115	NUM
ejif-11201	117	6	documents	document	NOUN
ejif-11201	117	7	remaining	remain	VERB
ejif-11201	117	8	and	and	CCONJ
ejif-11201	117	9	52	52	NUM
ejif-11201	117	10	documents	document	NOUN
ejif-11201	117	11	being	be	AUX
ejif-11201	117	12	excluded	exclude	VERB
ejif-11201	117	13	.	.	PUNCT
ejif-11201	118	1	the	the	DET
ejif-11201	118	2	researcher	researcher	NOUN
ejif-11201	118	3	also	also	ADV
ejif-11201	118	4	used	use	VERB
ejif-11201	118	5	the	the	DET
ejif-11201	118	6	subject	subject	ADJ
ejif-11201	118	7	area	area	NOUN
ejif-11201	118	8	as	as	ADP
ejif-11201	118	9	a	a	DET
ejif-11201	118	10	filtering	filter	VERB
ejif-11201	118	11	criterion	criterion	NOUN
ejif-11201	118	12	,	,	PUNCT
ejif-11201	118	13	limiting	limit	VERB
ejif-11201	118	14	the	the	DET
ejif-11201	118	15	documents	document	NOUN
ejif-11201	118	16	to	to	ADP
ejif-11201	118	17	economics	economic	NOUN
ejif-11201	118	18	,	,	PUNCT
ejif-11201	118	19	econometrics	econometrics	NOUN
ejif-11201	118	20	and	and	CCONJ
ejif-11201	118	21	finance	finance	NOUN
ejif-11201	118	22	,	,	PUNCT
ejif-11201	118	23	business	business	NOUN
ejif-11201	118	24	,	,	PUNCT
ejif-11201	118	25	management	management	NOUN
ejif-11201	118	26	,	,	PUNCT
ejif-11201	118	27	and	and	CCONJ
ejif-11201	118	28	accounting	accounting	NOUN
ejif-11201	118	29	,	,	PUNCT
ejif-11201	118	30	and	and	CCONJ
ejif-11201	118	31	computer	computer	NOUN
ejif-11201	118	32	science	science	NOUN
ejif-11201	118	33	.	.	PUNCT
ejif-11201	119	1	researchers	researcher	NOUN
ejif-11201	119	2	considered	consider	VERB
ejif-11201	119	3	articles	article	NOUN
ejif-11201	119	4	from	from	ADP
ejif-11201	119	5	these	these	DET
ejif-11201	119	6	subject	subject	NOUN
ejif-11201	119	7	areas	area	NOUN
ejif-11201	119	8	because	because	SCONJ
ejif-11201	119	9	they	they	PRON
ejif-11201	119	10	are	be	AUX
ejif-11201	119	11	likely	likely	ADJ
ejif-11201	119	12	to	to	PART
ejif-11201	119	13	give	give	VERB
ejif-11201	119	14	relevant	relevant	ADJ
ejif-11201	119	15	information	information	NOUN
ejif-11201	119	16	.	.	PUNCT
ejif-11201	120	1	the	the	DET
ejif-11201	120	2	filtering	filter	VERB
ejif-11201	120	3	process	process	NOUN
ejif-11201	120	4	also	also	ADV
ejif-11201	120	5	excluded	exclude	VERB
ejif-11201	120	6	conference	conference	NOUN
ejif-11201	120	7	papers	paper	NOUN
ejif-11201	120	8	,	,	PUNCT
ejif-11201	120	9	books	book	NOUN
ejif-11201	120	10	,	,	PUNCT
ejif-11201	120	11	and	and	CCONJ
ejif-11201	120	12	review	review	VERB
ejif-11201	120	13	papers	paper	NOUN
ejif-11201	120	14	,	,	PUNCT
ejif-11201	120	15	resulting	result	VERB
ejif-11201	120	16	in	in	ADP
ejif-11201	120	17	35	35	NUM
ejif-11201	120	18	documents	document	NOUN
ejif-11201	120	19	being	be	AUX
ejif-11201	120	20	screened	screen	VERB
ejif-11201	120	21	out	out	ADP
ejif-11201	120	22	,	,	PUNCT
ejif-11201	120	23	leaving	leave	VERB
ejif-11201	120	24	us	we	PRON
ejif-11201	120	25	with	with	ADP
ejif-11201	120	26	a	a	DET
ejif-11201	120	27	total	total	NOUN
ejif-11201	120	28	of	of	ADP
ejif-11201	120	29	79	79	NUM
ejif-11201	120	30	articles	article	NOUN
ejif-11201	120	31	.	.	PUNCT
ejif-11201	121	1	the	the	DET
ejif-11201	121	2	research	research	NOUN
ejif-11201	121	3	also	also	ADV
ejif-11201	121	4	filtered	filter	VERB
ejif-11201	121	5	all	all	DET
ejif-11201	121	6	articles	article	NOUN
ejif-11201	121	7	written	write	VERB
ejif-11201	121	8	in	in	ADP
ejif-11201	121	9	languages	language	NOUN
ejif-11201	121	10	other	other	ADJ
ejif-11201	121	11	than	than	ADP
ejif-11201	121	12	english	english	PROPN
ejif-11201	121	13	.	.	PUNCT
ejif-11201	122	1	only	only	ADV
ejif-11201	122	2	one	one	NUM
ejif-11201	122	3	article	article	NOUN
ejif-11201	122	4	was	be	AUX
ejif-11201	122	5	filtered	filter	VERB
ejif-11201	122	6	using	use	VERB
ejif-11201	122	7	these	these	DET
ejif-11201	122	8	criteria	criterion	NOUN
ejif-11201	122	9	,	,	PUNCT
ejif-11201	122	10	resulting	result	VERB
ejif-11201	122	11	in	in	ADP
ejif-11201	122	12	78	78	NUM
ejif-11201	122	13	articles	article	NOUN
ejif-11201	122	14	for	for	ADP
ejif-11201	122	15	the	the	DET
ejif-11201	122	16	researchers	researcher	NOUN
ejif-11201	122	17	.	.	PUNCT
ejif-11201	123	1	the	the	DET
ejif-11201	123	2	rationale	rationale	NOUN
ejif-11201	123	3	for	for	ADP
ejif-11201	123	4	using	use	VERB
ejif-11201	123	5	language	language	NOUN
ejif-11201	123	6	as	as	ADP
ejif-11201	123	7	a	a	DET
ejif-11201	123	8	filtering	filtering	NOUN
ejif-11201	123	9	process	process	NOUN
ejif-11201	123	10	is	be	AUX
ejif-11201	123	11	that	that	SCONJ
ejif-11201	123	12	researchers	researcher	NOUN
ejif-11201	123	13	can	can	AUX
ejif-11201	123	14	only	only	ADV
ejif-11201	123	15	read	read	VERB
ejif-11201	123	16	articles	article	NOUN
ejif-11201	123	17	written	write	VERB
ejif-11201	123	18	in	in	ADP
ejif-11201	123	19	english	english	PROPN
ejif-11201	123	20	and	and	CCONJ
ejif-11201	123	21	not	not	PART
ejif-11201	123	22	in	in	ADP
ejif-11201	123	23	any	any	DET
ejif-11201	123	24	other	other	ADJ
ejif-11201	123	25	language	language	NOUN
ejif-11201	123	26	.	.	PUNCT
ejif-11201	124	1	following	follow	VERB
ejif-11201	124	2	this	this	DET
ejif-11201	124	3	entire	entire	ADJ
ejif-11201	124	4	procedure	procedure	NOUN
ejif-11201	124	5	,	,	PUNCT
ejif-11201	124	6	researchers	researcher	NOUN
ejif-11201	124	7	exported	export	VERB
ejif-11201	124	8	the	the	DET
ejif-11201	124	9	data	datum	NOUN
ejif-11201	124	10	into	into	ADP
ejif-11201	124	11	microsoft	microsoft	PROPN
ejif-11201	124	12	excel	excel	PROPN
ejif-11201	124	13	using	use	VERB
ejif-11201	124	14	csv	csv	NOUN
ejif-11201	124	15	format	format	NOUN
ejif-11201	124	16	,	,	PUNCT
ejif-11201	124	17	including	include	VERB
ejif-11201	124	18	records	record	NOUN
ejif-11201	124	19	identified	identify	VERB
ejif-11201	124	20	from	from	ADP
ejif-11201	124	21	*	*	PROPN
ejif-11201	124	22	:	:	PUNCT
ejif-11201	124	23	scopus	scopus	PROPN
ejif-11201	124	24	database	database	NOUN
ejif-11201	124	25	(	(	PUNCT
ejif-11201	124	26	n	n	NOUN
ejif-11201	124	27	=	=	NOUN
ejif-11201	124	28	169	169	NUM
ejif-11201	124	29	)	)	PUNCT
ejif-11201	124	30	records	record	NOUN
ejif-11201	124	31	removed	remove	VERB
ejif-11201	124	32	before	before	ADP
ejif-11201	124	33	screening	screen	VERB
ejif-11201	124	34	:	:	PUNCT
ejif-11201	124	35	duplicate	duplicate	NOUN
ejif-11201	124	36	records	record	NOUN
ejif-11201	124	37	removed	remove	VERB
ejif-11201	124	38	(	(	PUNCT
ejif-11201	124	39	n	n	NOUN
ejif-11201	124	40	=	=	SYM
ejif-11201	124	41	2	2	NUM
ejif-11201	124	42	)	)	PUNCT
ejif-11201	124	43	records	record	NOUN
ejif-11201	124	44	marked	mark	VERB
ejif-11201	124	45	as	as	ADP
ejif-11201	124	46	ineligible	ineligible	ADJ
ejif-11201	124	47	by	by	ADP
ejif-11201	124	48	automation	automation	NOUN
ejif-11201	124	49	tools	tool	NOUN
ejif-11201	124	50	(	(	PUNCT
ejif-11201	124	51	n	n	NOUN
ejif-11201	124	52	=	=	SYM
ejif-11201	124	53	0	0	NUM
ejif-11201	124	54	)	)	PUNCT
ejif-11201	124	55	records	record	NOUN
ejif-11201	124	56	removed	remove	VERB
ejif-11201	124	57	for	for	ADP
ejif-11201	124	58	other	other	ADJ
ejif-11201	124	59	reasons	reason	NOUN
ejif-11201	124	60	(	(	PUNCT
ejif-11201	124	61	n	n	NOUN
ejif-11201	124	62	=	=	SYM
ejif-11201	124	63	0	0	NUM
ejif-11201	124	64	)	)	PUNCT
ejif-11201	124	65	records	record	NOUN
ejif-11201	124	66	screened	screen	VERB
ejif-11201	124	67	(	(	PUNCT
ejif-11201	124	68	n	n	NOUN
ejif-11201	124	69	=	=	NOUN
ejif-11201	124	70	167	167	NUM
ejif-11201	124	71	)	)	PUNCT
ejif-11201	124	72	records	record	NOUN
ejif-11201	124	73	excluded	exclude	VERB
ejif-11201	124	74	*	*	NOUN
ejif-11201	124	75	*	*	PUNCT
ejif-11201	124	76	(	(	PUNCT
ejif-11201	124	77	n	n	NOUN
ejif-11201	124	78	=	=	SYM
ejif-11201	124	79	89	89	NUM
ejif-11201	124	80	)	)	PUNCT
ejif-11201	124	81	reports	report	NOUN
ejif-11201	124	82	sought	seek	VERB
ejif-11201	124	83	for	for	ADP
ejif-11201	124	84	retrieval	retrieval	NOUN
ejif-11201	124	85	(	(	PUNCT
ejif-11201	124	86	n	n	NOUN
ejif-11201	124	87	=	=	NOUN
ejif-11201	124	88	78	78	NUM
ejif-11201	124	89	)	)	PUNCT
ejif-11201	124	90	reports	report	NOUN
ejif-11201	124	91	not	not	PART
ejif-11201	124	92	retrieved	retrieve	VERB
ejif-11201	124	93	(	(	PUNCT
ejif-11201	124	94	n	n	X
ejif-11201	124	95	=	=	NOUN
ejif-11201	124	96	0	0	NUM
ejif-11201	124	97	)	)	PUNCT
ejif-11201	124	98	reports	report	NOUN
ejif-11201	124	99	assessed	assess	VERB
ejif-11201	124	100	for	for	ADP
ejif-11201	124	101	eligibility	eligibility	NOUN
ejif-11201	124	102	(	(	PUNCT
ejif-11201	124	103	n	n	NOUN
ejif-11201	124	104	=	=	NOUN
ejif-11201	124	105	78	78	NUM
ejif-11201	124	106	)	)	PUNCT
ejif-11201	124	107	reports	report	NOUN
ejif-11201	124	108	excluded	exclude	VERB
ejif-11201	124	109	:	:	PUNCT
ejif-11201	124	110	reason	reason	NOUN
ejif-11201	124	111	1	1	NUM
ejif-11201	124	112	(	(	PUNCT
ejif-11201	124	113	n	n	NOUN
ejif-11201	124	114	=	=	NOUN
ejif-11201	124	115	49	49	NUM
ejif-11201	124	116	)	)	PUNCT
ejif-11201	124	117	addressed	address	VERB
ejif-11201	124	118	a	a	DET
ejif-11201	124	119	different	different	ADJ
ejif-11201	124	120	focus	focus	NOUN
ejif-11201	124	121	studies	study	NOUN
ejif-11201	124	122	included	include	VERB
ejif-11201	124	123	in	in	ADP
ejif-11201	124	124	review	review	NOUN
ejif-11201	124	125	(	(	PUNCT
ejif-11201	124	126	n	n	NOUN
ejif-11201	124	127	=	=	NUM
ejif-11201	124	128	29	29	NUM
ejif-11201	124	129	)	)	PUNCT
ejif-11201	124	130	identification	identification	NOUN
ejif-11201	124	131	of	of	ADP
ejif-11201	124	132	studies	study	NOUN
ejif-11201	124	133	via	via	ADP
ejif-11201	124	134	databases	database	NOUN
ejif-11201	124	135	and	and	CCONJ
ejif-11201	124	136	registers	register	NOUN
ejif-11201	125	1	i	i	PROPN
ejif-11201	125	2	d	d	PROPN
ejif-11201	125	3	en	en	PROPN
ejif-11201	125	4	tif	tif	PROPN
ejif-11201	125	5	ic	ic	PROPN
ejif-11201	125	6	at	at	ADP
ejif-11201	125	7	io	io	PROPN
ejif-11201	125	8	n	n	DET
ejif-11201	125	9	sc	sc	PROPN
ejif-11201	125	10	re	re	X
ejif-11201	125	11	en	en	X
ejif-11201	125	12	in	in	ADP
ejif-11201	125	13	g	g	PROPN
ejif-11201	125	14	in	in	ADP
ejif-11201	125	15	cl	cl	NOUN
ejif-11201	125	16	ud	ud	INTJ
ejif-11201	125	17	ed	ed	PROPN
ejif-11201	125	18	european	european	PROPN
ejif-11201	125	19	journal	journal	PROPN
ejif-11201	125	20	of	of	ADP
ejif-11201	125	21	islamic	islamic	PROPN
ejif-11201	125	22	finance	finance	PROPN
ejif-11201	125	23	issn	issn	PROPN
ejif-11201	125	24	:	:	PUNCT
ejif-11201	125	25	2421	2421	NUM
ejif-11201	125	26	-	-	SYM
ejif-11201	125	27	2172	2172	NUM
ejif-11201	125	28	doi	doi	NOUN
ejif-11201	125	29	:	:	PUNCT
ejif-11201	125	30	10.13135/2421	10.13135/2421	NUM
ejif-11201	125	31	-	-	SYM
ejif-11201	125	32	2172/11201	2172/11201	NUM
ejif-11201	125	33	published	publish	VERB
ejif-11201	125	34	by	by	ADP
ejif-11201	125	35	university	university	PROPN
ejif-11201	125	36	of	of	ADP
ejif-11201	125	37	turin	turin	PROPN
ejif-11201	125	38	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	125	39	ejif	ejif	PROPN
ejif-11201	125	40	content	content	NOUN
ejif-11201	125	41	is	be	AUX
ejif-11201	125	42	licensed	license	VERB
ejif-11201	125	43	under	under	ADP
ejif-11201	125	44	a	a	DET
ejif-11201	125	45	creative	creative	ADJ
ejif-11201	125	46	commons	common	NOUN
ejif-11201	125	47	attribution	attribution	NOUN
ejif-11201	125	48	4.0	4.0	NUM
ejif-11201	125	49	international	international	ADJ
ejif-11201	125	50	license	license	NOUN
ejif-11201	125	51	77	77	NUM
ejif-11201	125	52	keywords	keyword	NOUN
ejif-11201	125	53	,	,	PUNCT
ejif-11201	125	54	abstracts	abstract	NOUN
ejif-11201	125	55	,	,	PUNCT
ejif-11201	125	56	authors	author	NOUN
ejif-11201	125	57	,	,	PUNCT
ejif-11201	125	58	publishers	publisher	NOUN
ejif-11201	125	59	,	,	PUNCT
ejif-11201	125	60	and	and	CCONJ
ejif-11201	125	61	the	the	DET
ejif-11201	125	62	number	number	NOUN
ejif-11201	125	63	of	of	ADP
ejif-11201	125	64	citations	citation	NOUN
ejif-11201	125	65	.	.	PUNCT
ejif-11201	126	1	a	a	DET
ejif-11201	126	2	comprehensive	comprehensive	ADJ
ejif-11201	126	3	analysis	analysis	NOUN
ejif-11201	126	4	was	be	AUX
ejif-11201	126	5	conducted	conduct	VERB
ejif-11201	126	6	on	on	ADP
ejif-11201	126	7	the	the	DET
ejif-11201	126	8	remaining	remain	VERB
ejif-11201	126	9	78	78	NUM
ejif-11201	126	10	studies	study	NOUN
ejif-11201	126	11	,	,	PUNCT
ejif-11201	126	12	examining	examine	VERB
ejif-11201	126	13	the	the	DET
ejif-11201	126	14	abstract	abstract	ADJ
ejif-11201	126	15	,	,	PUNCT
ejif-11201	126	16	full	full	ADJ
ejif-11201	126	17	text	text	NOUN
ejif-11201	126	18	,	,	PUNCT
ejif-11201	126	19	and	and	CCONJ
ejif-11201	126	20	conclusion	conclusion	NOUN
ejif-11201	126	21	content	content	NOUN
ejif-11201	126	22	.	.	PUNCT
ejif-11201	127	1	at	at	ADP
ejif-11201	127	2	this	this	DET
ejif-11201	127	3	point	point	NOUN
ejif-11201	127	4	,	,	PUNCT
ejif-11201	127	5	49	49	NUM
ejif-11201	127	6	studies	study	NOUN
ejif-11201	127	7	were	be	AUX
ejif-11201	127	8	eliminated	eliminate	VERB
ejif-11201	127	9	because	because	SCONJ
ejif-11201	127	10	they	they	PRON
ejif-11201	127	11	did	do	AUX
ejif-11201	127	12	not	not	PART
ejif-11201	127	13	address	address	VERB
ejif-11201	127	14	the	the	DET
ejif-11201	127	15	research	research	NOUN
ejif-11201	127	16	's	's	PART
ejif-11201	127	17	main	main	ADJ
ejif-11201	127	18	objective	objective	NOUN
ejif-11201	127	19	.	.	PUNCT
ejif-11201	128	1	3	3	X
ejif-11201	128	2	.	.	X
ejif-11201	128	3	results	result	NOUN
ejif-11201	128	4	before	before	ADP
ejif-11201	128	5	the	the	DET
ejif-11201	128	6	final	final	ADJ
ejif-11201	128	7	screening	screening	NOUN
ejif-11201	128	8	of	of	ADP
ejif-11201	128	9	the	the	DET
ejif-11201	128	10	retrieved	retrieve	VERB
ejif-11201	128	11	documents	document	NOUN
ejif-11201	128	12	,	,	PUNCT
ejif-11201	128	13	researchers	researcher	NOUN
ejif-11201	128	14	observed	observe	VERB
ejif-11201	128	15	that	that	SCONJ
ejif-11201	128	16	most	most	ADJ
ejif-11201	128	17	publications	publication	NOUN
ejif-11201	128	18	on	on	ADP
ejif-11201	128	19	islamic	islamic	ADJ
ejif-11201	128	20	finance	finance	PROPN
ejif-11201	128	21	and	and	CCONJ
ejif-11201	128	22	financial	financial	ADJ
ejif-11201	128	23	inclusion	inclusion	NOUN
ejif-11201	128	24	were	be	AUX
ejif-11201	128	25	from	from	ADP
ejif-11201	128	26	2023	2023	NUM
ejif-11201	128	27	,	,	PUNCT
ejif-11201	128	28	followed	follow	VERB
ejif-11201	128	29	by	by	ADP
ejif-11201	128	30	12	12	NUM
ejif-11201	128	31	publications	publication	NOUN
ejif-11201	128	32	in	in	ADP
ejif-11201	128	33	2020	2020	NUM
ejif-11201	128	34	,	,	PUNCT
ejif-11201	128	35	and	and	CCONJ
ejif-11201	128	36	10	10	NUM
ejif-11201	128	37	publications	publication	NOUN
ejif-11201	128	38	in	in	ADP
ejif-11201	128	39	both	both	CCONJ
ejif-11201	128	40	2021	2021	NUM
ejif-11201	128	41	and	and	CCONJ
ejif-11201	128	42	2022	2022	NUM
ejif-11201	128	43	.	.	PUNCT
ejif-11201	129	1	figure	figure	NOUN
ejif-11201	129	2	2	2	NUM
ejif-11201	129	3	below	below	ADV
ejif-11201	129	4	represents	represent	VERB
ejif-11201	129	5	the	the	DET
ejif-11201	129	6	trend	trend	NOUN
ejif-11201	129	7	of	of	ADP
ejif-11201	129	8	publications	publication	NOUN
ejif-11201	129	9	related	relate	VERB
ejif-11201	129	10	to	to	ADP
ejif-11201	129	11	islamic	islamic	ADJ
ejif-11201	129	12	finance	finance	NOUN
ejif-11201	129	13	and	and	CCONJ
ejif-11201	129	14	financial	financial	ADJ
ejif-11201	129	15	inclusion	inclusion	NOUN
ejif-11201	129	16	.	.	PUNCT
ejif-11201	130	1	from	from	ADP
ejif-11201	130	2	this	this	DET
ejif-11201	130	3	graph	graph	NOUN
ejif-11201	130	4	,	,	PUNCT
ejif-11201	130	5	it	it	PRON
ejif-11201	130	6	’s	’	VERB
ejif-11201	130	7	clear	clear	ADJ
ejif-11201	130	8	that	that	SCONJ
ejif-11201	130	9	scholars	scholar	NOUN
ejif-11201	130	10	are	be	AUX
ejif-11201	130	11	giving	give	VERB
ejif-11201	130	12	more	more	ADJ
ejif-11201	130	13	attention	attention	NOUN
ejif-11201	130	14	to	to	ADP
ejif-11201	130	15	the	the	DET
ejif-11201	130	16	subject	subject	NOUN
ejif-11201	130	17	in	in	ADP
ejif-11201	130	18	question	question	NOUN
ejif-11201	130	19	.	.	PUNCT
ejif-11201	131	1	it	it	PRON
ejif-11201	131	2	is	be	AUX
ejif-11201	131	3	also	also	ADV
ejif-11201	131	4	revealed	reveal	VERB
ejif-11201	131	5	through	through	ADP
ejif-11201	131	6	figure	figure	NOUN
ejif-11201	131	7	2	2	NUM
ejif-11201	131	8	that	that	SCONJ
ejif-11201	131	9	in	in	ADP
ejif-11201	131	10	2014	2014	NUM
ejif-11201	131	11	,	,	PUNCT
ejif-11201	131	12	there	there	PRON
ejif-11201	131	13	was	be	VERB
ejif-11201	131	14	no	no	DET
ejif-11201	131	15	publication	publication	NOUN
ejif-11201	131	16	on	on	ADP
ejif-11201	131	17	islamic	islamic	ADJ
ejif-11201	131	18	finance	finance	NOUN
ejif-11201	131	19	and	and	CCONJ
ejif-11201	131	20	financial	financial	ADJ
ejif-11201	131	21	inclusion	inclusion	NOUN
ejif-11201	131	22	.	.	PUNCT
ejif-11201	132	1	this	this	DET
ejif-11201	132	2	graph	graph	NOUN
ejif-11201	132	3	represents	represent	VERB
ejif-11201	132	4	that	that	SCONJ
ejif-11201	132	5	islamic	islamic	ADJ
ejif-11201	132	6	finance	finance	PROPN
ejif-11201	132	7	and	and	CCONJ
ejif-11201	132	8	financial	financial	ADJ
ejif-11201	132	9	inclusion	inclusion	NOUN
ejif-11201	132	10	are	be	AUX
ejif-11201	132	11	gaining	gain	VERB
ejif-11201	132	12	more	more	ADJ
ejif-11201	132	13	attention	attention	NOUN
ejif-11201	132	14	among	among	ADP
ejif-11201	132	15	scholars	scholar	NOUN
ejif-11201	132	16	.	.	PUNCT
ejif-11201	133	1	figure	figure	NOUN
ejif-11201	133	2	2	2	NUM
ejif-11201	133	3	.	.	PUNCT
ejif-11201	133	4	number	number	NOUN
ejif-11201	133	5	of	of	ADP
ejif-11201	133	6	publications	publication	NOUN
ejif-11201	133	7	on	on	ADP
ejif-11201	133	8	islamic	islamic	ADJ
ejif-11201	133	9	finance	finance	NOUN
ejif-11201	133	10	and	and	CCONJ
ejif-11201	133	11	financial	financial	ADJ
ejif-11201	133	12	inclusion	inclusion	NOUN
ejif-11201	133	13	from	from	ADP
ejif-11201	133	14	2013	2013	NUM
ejif-11201	133	15	-	-	SYM
ejif-11201	133	16	2024	2024	NUM
ejif-11201	133	17	source	source	NOUN
ejif-11201	133	18	:	:	PUNCT
ejif-11201	133	19	authors	author	NOUN
ejif-11201	133	20	’	’	PART
ejif-11201	133	21	elaboration	elaboration	NOUN
ejif-11201	133	22	table	table	NOUN
ejif-11201	133	23	1	1	NUM
ejif-11201	133	24	.	.	PUNCT
ejif-11201	134	1	documents	document	NOUN
ejif-11201	134	2	by	by	ADP
ejif-11201	134	3	country	country	NOUN
ejif-11201	134	4	or	or	CCONJ
ejif-11201	134	5	territory	territory	NOUN
ejif-11201	134	6	,	,	PUNCT
ejif-11201	134	7	affiliation	affiliation	NOUN
ejif-11201	134	8	,	,	PUNCT
ejif-11201	134	9	and	and	CCONJ
ejif-11201	134	10	by	by	ADP
ejif-11201	134	11	author	author	NOUN
ejif-11201	134	12	top	top	VERB
ejif-11201	134	13	10	10	NUM
ejif-11201	134	14	countries	country	NOUN
ejif-11201	134	15	with	with	ADP
ejif-11201	134	16	research	research	NOUN
ejif-11201	134	17	on	on	ADP
ejif-11201	134	18	islamic	islamic	ADJ
ejif-11201	134	19	finance	finance	NOUN
ejif-11201	134	20	and	and	CCONJ
ejif-11201	134	21	banking	banking	NOUN
ejif-11201	134	22	number	number	NOUN
ejif-11201	134	23	of	of	ADP
ejif-11201	134	24	publications	publication	NOUN
ejif-11201	134	25	percentage	percentage	VERB
ejif-11201	134	26	malaysia	malaysia	NOUN
ejif-11201	134	27	23	23	NUM
ejif-11201	134	28	29.5	29.5	NUM
ejif-11201	134	29	%	%	NOUN
ejif-11201	134	30	indonesia	indonesia	PROPN
ejif-11201	134	31	9	9	NUM
ejif-11201	134	32	11.5	11.5	NUM
ejif-11201	134	33	%	%	NOUN
ejif-11201	134	34	pakistan	pakistan	PROPN
ejif-11201	134	35	6	6	NUM
ejif-11201	134	36	7.7	7.7	NUM
ejif-11201	134	37	%	%	NOUN
ejif-11201	134	38	united	united	ADJ
ejif-11201	134	39	kingdom	kingdom	PROPN
ejif-11201	134	40	6	6	NUM
ejif-11201	134	41	7.7	7.7	NUM
ejif-11201	134	42	%	%	NOUN
ejif-11201	134	43	nigeria	nigeria	NOUN
ejif-11201	134	44	5	5	NUM
ejif-11201	134	45	6.4	6.4	NUM
ejif-11201	134	46	%	%	NOUN
ejif-11201	134	47	saudi	saudi	PROPN
ejif-11201	134	48	arabia	arabia	PROPN
ejif-11201	134	49	5	5	NUM
ejif-11201	134	50	6.4	6.4	NUM
ejif-11201	134	51	%	%	NOUN
ejif-11201	134	52	turkey	turkey	NOUN
ejif-11201	134	53	5	5	NUM
ejif-11201	134	54	6.4	6.4	NUM
ejif-11201	134	55	%	%	NOUN
ejif-11201	134	56	india	india	PROPN
ejif-11201	134	57	4	4	NUM
ejif-11201	134	58	5.1	5.1	NUM
ejif-11201	134	59	%	%	NOUN
ejif-11201	134	60	uae	uae	PROPN
ejif-11201	134	61	4	4	NUM
ejif-11201	134	62	5.1	5.1	NUM
ejif-11201	134	63	%	%	NOUN
ejif-11201	134	64	australia	australia	NOUN
ejif-11201	134	65	3	3	NUM
ejif-11201	134	66	3.8	3.8	NUM
ejif-11201	134	67	%	%	NOUN
ejif-11201	134	68	top	top	ADJ
ejif-11201	134	69	10	10	NUM
ejif-11201	134	70	authors	author	NOUN
ejif-11201	134	71	on	on	ADP
ejif-11201	134	72	islamic	islamic	ADJ
ejif-11201	134	73	banking	banking	NOUN
ejif-11201	134	74	and	and	CCONJ
ejif-11201	134	75	finance	finance	NOUN
ejif-11201	134	76	0	0	NUM
ejif-11201	134	77	2	2	NUM
ejif-11201	134	78	4	4	NUM
ejif-11201	134	79	6	6	NUM
ejif-11201	134	80	8	8	NUM
ejif-11201	134	81	10	10	NUM
ejif-11201	134	82	12	12	NUM
ejif-11201	134	83	14	14	NUM
ejif-11201	134	84	16	16	NUM
ejif-11201	134	85	18	18	NUM
ejif-11201	134	86	2013	2013	NUM
ejif-11201	134	87	2014	2014	NUM
ejif-11201	134	88	2015	2015	NUM
ejif-11201	134	89	2016	2016	NUM
ejif-11201	134	90	2017	2017	NUM
ejif-11201	134	91	2018	2018	NUM
ejif-11201	134	92	2019	2019	NUM
ejif-11201	134	93	2020	2020	NUM
ejif-11201	134	94	2021	2021	NUM
ejif-11201	134	95	2022	2022	NUM
ejif-11201	134	96	2023	2023	NUM
ejif-11201	134	97	2024	2024	NUM
ejif-11201	134	98	n	n	AUX
ejif-11201	134	99	um	um	INTJ
ejif-11201	134	100	be	be	AUX
ejif-11201	134	101	r	r	NOUN
ejif-11201	134	102	o	o	NOUN
ejif-11201	135	1	f	f	X
ejif-11201	135	2	p	p	X
ejif-11201	135	3	ub	ub	INTJ
ejif-11201	135	4	lic	lic	NOUN
ejif-11201	135	5	at	at	ADP
ejif-11201	135	6	io	io	PROPN
ejif-11201	135	7	ns	ns	NUM
ejif-11201	135	8	year	year	NOUN
ejif-11201	135	9	european	european	PROPN
ejif-11201	135	10	journal	journal	PROPN
ejif-11201	135	11	of	of	ADP
ejif-11201	135	12	islamic	islamic	PROPN
ejif-11201	135	13	finance	finance	PROPN
ejif-11201	135	14	issn	issn	PROPN
ejif-11201	135	15	:	:	PUNCT
ejif-11201	135	16	2421	2421	NUM
ejif-11201	135	17	-	-	SYM
ejif-11201	135	18	2172	2172	NUM
ejif-11201	135	19	doi	doi	NOUN
ejif-11201	135	20	:	:	PUNCT
ejif-11201	135	21	10.13135/2421	10.13135/2421	NUM
ejif-11201	135	22	-	-	SYM
ejif-11201	135	23	2172/11201	2172/11201	NUM
ejif-11201	135	24	published	publish	VERB
ejif-11201	135	25	by	by	ADP
ejif-11201	135	26	university	university	PROPN
ejif-11201	135	27	of	of	ADP
ejif-11201	135	28	turin	turin	PROPN
ejif-11201	136	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	136	2	ejif	ejif	PROPN
ejif-11201	136	3	content	content	NOUN
ejif-11201	136	4	is	be	AUX
ejif-11201	136	5	licensed	license	VERB
ejif-11201	136	6	under	under	ADP
ejif-11201	136	7	a	a	DET
ejif-11201	136	8	creative	creative	ADJ
ejif-11201	136	9	commons	common	NOUN
ejif-11201	136	10	attribution	attribution	NOUN
ejif-11201	136	11	4.0	4.0	NUM
ejif-11201	136	12	international	international	ADJ
ejif-11201	136	13	license	license	NOUN
ejif-11201	136	14	78	78	NUM
ejif-11201	136	15	shaikh	shaikh	NOUN
ejif-11201	136	16	,	,	PUNCT
ejif-11201	136	17	s.a	s.a	PROPN
ejif-11201	136	18	.	.	PROPN
ejif-11201	136	19	5	5	NUM
ejif-11201	136	20	6.4	6.4	NUM
ejif-11201	136	21	%	%	NOUN
ejif-11201	136	22	alam	alam	PROPN
ejif-11201	136	23	,	,	PUNCT
ejif-11201	136	24	m.r	m.r	PROPN
ejif-11201	136	25	.	.	PROPN
ejif-11201	136	26	3	3	NUM
ejif-11201	136	27	3.8	3.8	NUM
ejif-11201	136	28	%	%	NOUN
ejif-11201	136	29	banna	banna	PROPN
ejif-11201	136	30	,	,	PUNCT
ejif-11201	136	31	h.	h.	PROPN
ejif-11201	136	32	3	3	NUM
ejif-11201	136	33	3.8	3.8	NUM
ejif-11201	136	34	%	%	NOUN
ejif-11201	136	35	hassan	hassan	PROPN
ejif-11201	136	36	,	,	PUNCT
ejif-11201	136	37	m.k	m.k	PROPN
ejif-11201	136	38	.	.	PROPN
ejif-11201	136	39	3	3	NUM
ejif-11201	136	40	3.8	3.8	NUM
ejif-11201	136	41	%	%	NOUN
ejif-11201	136	42	ahmad	ahmad	NOUN
ejif-11201	136	43	,	,	PUNCT
ejif-11201	136	44	r.	r.	PROPN
ejif-11201	136	45	2	2	NUM
ejif-11201	136	46	2.6	2.6	NUM
ejif-11201	136	47	%	%	NOUN
ejif-11201	136	48	ali	ali	PROPN
ejif-11201	136	49	,	,	PUNCT
ejif-11201	136	50	m.m	m.m	PROPN
ejif-11201	136	51	.	.	PROPN
ejif-11201	136	52	2	2	NUM
ejif-11201	136	53	2.6	2.6	NUM
ejif-11201	136	54	%	%	NOUN
ejif-11201	136	55	devi	devi	PROPN
ejif-11201	136	56	,	,	PUNCT
ejif-11201	136	57	a.	a.	NOUN
ejif-11201	136	58	2	2	NUM
ejif-11201	136	59	2.6	2.6	NUM
ejif-11201	136	60	%	%	NOUN
ejif-11201	136	61	kassim	kassim	PROPN
ejif-11201	136	62	,	,	PUNCT
ejif-11201	136	63	s.	s.	PROPN
ejif-11201	136	64	2	2	NUM
ejif-11201	136	65	2.6	2.6	NUM
ejif-11201	136	66	%	%	NOUN
ejif-11201	136	67	nawaz	nawaz	NOUN
ejif-11201	136	68	,	,	PUNCT
ejif-11201	136	69	t.	t.	NOUN
ejif-11201	136	70	2	2	NUM
ejif-11201	136	71	2.6	2.6	NUM
ejif-11201	136	72	%	%	NOUN
ejif-11201	136	73	saifurrahman	saifurrahman	NOUN
ejif-11201	136	74	,	,	PUNCT
ejif-11201	136	75	a.	a.	NOUN
ejif-11201	136	76	2	2	NUM
ejif-11201	136	77	2.6	2.6	NUM
ejif-11201	136	78	%	%	NOUN
ejif-11201	136	79	top	top	ADJ
ejif-11201	136	80	10	10	NUM
ejif-11201	136	81	affiliates	affiliate	NOUN
ejif-11201	136	82	international	international	ADJ
ejif-11201	136	83	islamic	islamic	PROPN
ejif-11201	136	84	university	university	PROPN
ejif-11201	136	85	malaysia	malaysia	PROPN
ejif-11201	136	86	6	6	NUM
ejif-11201	136	87	7.7	7.7	NUM
ejif-11201	136	88	%	%	NOUN
ejif-11201	136	89	international	international	PROPN
ejif-11201	136	90	islamic	islamic	PROPN
ejif-11201	136	91	university	university	PROPN
ejif-11201	136	92	malaysia	malaysia	PROPN
ejif-11201	136	93	,	,	PUNCT
ejif-11201	136	94	institute	institute	PROPN
ejif-11201	136	95	of	of	ADP
ejif-11201	136	96	islamic	islamic	PROPN
ejif-11201	136	97	banking	banking	PROPN
ejif-11201	136	98	&	&	CCONJ
ejif-11201	136	99	finance	finance	PROPN
ejif-11201	136	100	6	6	NUM
ejif-11201	136	101	6.4	6.4	NUM
ejif-11201	136	102	%	%	NOUN
ejif-11201	136	103	universiti	universiti	PROPN
ejif-11201	136	104	malaya	malaya	PROPN
ejif-11201	136	105	4	4	NUM
ejif-11201	136	106	5.1	5.1	NUM
ejif-11201	136	107	%	%	NOUN
ejif-11201	136	108	university	university	NOUN
ejif-11201	136	109	of	of	ADP
ejif-11201	136	110	new	new	PROPN
ejif-11201	136	111	orleans	orleans	PROPN
ejif-11201	136	112	3	3	NUM
ejif-11201	136	113	3.8	3.8	NUM
ejif-11201	136	114	%	%	NOUN
ejif-11201	136	115	shaheed	shaheed	NOUN
ejif-11201	136	116	zulfikar	zulfikar	PROPN
ejif-11201	136	117	ali	ali	PROPN
ejif-11201	136	118	bhutto	bhutto	PROPN
ejif-11201	136	119	institute	institute	PROPN
ejif-11201	136	120	of	of	ADP
ejif-11201	136	121	science	science	NOUN
ejif-11201	136	122	and	and	CCONJ
ejif-11201	136	123	technology	technology	NOUN
ejif-11201	136	124	,	,	PUNCT
ejif-11201	136	125	karachi	karachi	PROPN
ejif-11201	136	126	3	3	NUM
ejif-11201	136	127	3.8	3.8	NUM
ejif-11201	136	128	%	%	NOUN
ejif-11201	136	129	islamic	islamic	ADJ
ejif-11201	136	130	research	research	NOUN
ejif-11201	136	131	and	and	CCONJ
ejif-11201	136	132	training	training	NOUN
ejif-11201	136	133	institute	institute	NOUN
ejif-11201	136	134	2	2	NUM
ejif-11201	136	135	2.6	2.6	NUM
ejif-11201	136	136	%	%	NOUN
ejif-11201	136	137	central	central	ADJ
ejif-11201	136	138	bank	bank	NOUN
ejif-11201	136	139	of	of	ADP
ejif-11201	136	140	nigeria	nigeria	PROPN
ejif-11201	136	141	2	2	NUM
ejif-11201	136	142	2.6	2.6	NUM
ejif-11201	136	143	%	%	NOUN
ejif-11201	136	144	universiti	universiti	NOUN
ejif-11201	136	145	utara	utara	NOUN
ejif-11201	136	146	malaysia	malaysia	PROPN
ejif-11201	136	147	2	2	NUM
ejif-11201	136	148	2.6	2.6	NUM
ejif-11201	136	149	%	%	NOUN
ejif-11201	136	150	university	university	NOUN
ejif-11201	136	151	of	of	ADP
ejif-11201	136	152	plymouth	plymouth	PROPN
ejif-11201	136	153	2	2	NUM
ejif-11201	136	154	2.6	2.6	NUM
ejif-11201	136	155	%	%	NOUN
ejif-11201	136	156	university	university	NOUN
ejif-11201	136	157	of	of	ADP
ejif-11201	136	158	sharjah	sharjah	PROPN
ejif-11201	136	159	2	2	NUM
ejif-11201	136	160	2.6	2.6	NUM
ejif-11201	136	161	%	%	NOUN
ejif-11201	136	162	source	source	NOUN
ejif-11201	136	163	:	:	PUNCT
ejif-11201	136	164	authors	author	NOUN
ejif-11201	136	165	’	'	PUNCT
ejif-11201	136	166	elaboration	elaboration	NOUN
ejif-11201	136	167	from	from	ADP
ejif-11201	136	168	the	the	DET
ejif-11201	136	169	78	78	NUM
ejif-11201	136	170	documents	document	NOUN
ejif-11201	136	171	that	that	PRON
ejif-11201	136	172	remained	remain	VERB
ejif-11201	136	173	after	after	ADP
ejif-11201	136	174	filtering	filter	VERB
ejif-11201	136	175	,	,	PUNCT
ejif-11201	136	176	researchers	researcher	NOUN
ejif-11201	136	177	discovered	discover	VERB
ejif-11201	136	178	that	that	SCONJ
ejif-11201	136	179	23	23	NUM
ejif-11201	136	180	documents	document	NOUN
ejif-11201	136	181	were	be	AUX
ejif-11201	136	182	written	write	VERB
ejif-11201	136	183	by	by	ADP
ejif-11201	136	184	scholars	scholar	NOUN
ejif-11201	136	185	in	in	ADP
ejif-11201	136	186	malaysia	malaysia	PROPN
ejif-11201	136	187	,	,	PUNCT
ejif-11201	136	188	and	and	CCONJ
ejif-11201	136	189	9	9	NUM
ejif-11201	136	190	were	be	AUX
ejif-11201	136	191	written	write	VERB
ejif-11201	136	192	by	by	ADP
ejif-11201	136	193	scholars	scholar	NOUN
ejif-11201	136	194	in	in	ADP
ejif-11201	136	195	indonesia	indonesia	PROPN
ejif-11201	136	196	.	.	PUNCT
ejif-11201	137	1	pakistan	pakistan	PROPN
ejif-11201	137	2	and	and	CCONJ
ejif-11201	137	3	the	the	DET
ejif-11201	137	4	united	united	PROPN
ejif-11201	137	5	kingdom	kingdom	PROPN
ejif-11201	137	6	had	have	VERB
ejif-11201	137	7	equal	equal	ADJ
ejif-11201	137	8	numbers	number	NOUN
ejif-11201	137	9	of	of	ADP
ejif-11201	137	10	publications	publication	NOUN
ejif-11201	137	11	(	(	PUNCT
ejif-11201	137	12	i.e.	i.e.	X
ejif-11201	137	13	,	,	PUNCT
ejif-11201	137	14	6	6	NUM
ejif-11201	137	15	papers	paper	NOUN
ejif-11201	137	16	)	)	PUNCT
ejif-11201	137	17	.	.	PUNCT
ejif-11201	138	1	in	in	ADP
ejif-11201	138	2	africa	africa	PROPN
ejif-11201	138	3	,	,	PUNCT
ejif-11201	138	4	there	there	PRON
ejif-11201	138	5	were	be	VERB
ejif-11201	138	6	five	five	NUM
ejif-11201	138	7	papers	paper	NOUN
ejif-11201	138	8	on	on	ADP
ejif-11201	138	9	islamic	islamic	ADJ
ejif-11201	138	10	finance	finance	NOUN
ejif-11201	138	11	,	,	PUNCT
ejif-11201	138	12	and	and	CCONJ
ejif-11201	138	13	these	these	DET
ejif-11201	138	14	publications	publication	NOUN
ejif-11201	138	15	are	be	AUX
ejif-11201	138	16	similar	similar	ADJ
ejif-11201	138	17	to	to	ADP
ejif-11201	138	18	those	those	PRON
ejif-11201	138	19	from	from	ADP
ejif-11201	138	20	saudi	saudi	PROPN
ejif-11201	138	21	arabia	arabia	PROPN
ejif-11201	138	22	and	and	CCONJ
ejif-11201	138	23	turkey	turkey	PROPN
ejif-11201	138	24	.	.	PUNCT
ejif-11201	139	1	india	india	PROPN
ejif-11201	139	2	and	and	CCONJ
ejif-11201	139	3	the	the	DET
ejif-11201	139	4	united	united	PROPN
ejif-11201	139	5	arab	arab	PROPN
ejif-11201	139	6	emirates	emirates	PROPN
ejif-11201	139	7	each	each	PRON
ejif-11201	139	8	had	have	VERB
ejif-11201	139	9	4	4	NUM
ejif-11201	139	10	papers	paper	NOUN
ejif-11201	139	11	.	.	PUNCT
ejif-11201	140	1	as	as	SCONJ
ejif-11201	140	2	shown	show	VERB
ejif-11201	140	3	in	in	ADP
ejif-11201	140	4	table	table	NOUN
ejif-11201	140	5	1	1	NUM
ejif-11201	140	6	above	above	ADV
ejif-11201	140	7	,	,	PUNCT
ejif-11201	140	8	it	it	PRON
ejif-11201	140	9	’s	’	VERB
ejif-11201	140	10	clear	clear	ADJ
ejif-11201	140	11	that	that	SCONJ
ejif-11201	140	12	the	the	DET
ejif-11201	140	13	countries	country	NOUN
ejif-11201	140	14	included	include	VERB
ejif-11201	140	15	are	be	AUX
ejif-11201	140	16	those	those	PRON
ejif-11201	140	17	at	at	ADP
ejif-11201	140	18	the	the	DET
ejif-11201	140	19	top	top	NOUN
ejif-11201	140	20	of	of	ADP
ejif-11201	140	21	the	the	DET
ejif-11201	140	22	list	list	NOUN
ejif-11201	140	23	in	in	ADP
ejif-11201	140	24	islamic	islamic	ADJ
ejif-11201	140	25	finance	finance	NOUN
ejif-11201	140	26	and	and	CCONJ
ejif-11201	140	27	banking	banking	NOUN
ejif-11201	140	28	research	research	NOUN
ejif-11201	140	29	.	.	PUNCT
ejif-11201	141	1	this	this	PRON
ejif-11201	141	2	can	can	AUX
ejif-11201	141	3	also	also	ADV
ejif-11201	141	4	imply	imply	VERB
ejif-11201	141	5	that	that	SCONJ
ejif-11201	141	6	these	these	PRON
ejif-11201	141	7	are	be	AUX
ejif-11201	141	8	the	the	DET
ejif-11201	141	9	countries	country	NOUN
ejif-11201	141	10	where	where	SCONJ
ejif-11201	141	11	islamic	islamic	ADJ
ejif-11201	141	12	finance	finance	NOUN
ejif-11201	141	13	and	and	CCONJ
ejif-11201	141	14	banking	banking	NOUN
ejif-11201	141	15	have	have	AUX
ejif-11201	141	16	been	be	AUX
ejif-11201	141	17	adopted	adopt	VERB
ejif-11201	141	18	.	.	PUNCT
ejif-11201	142	1	table	table	NOUN
ejif-11201	142	2	1	1	NUM
ejif-11201	142	3	also	also	ADV
ejif-11201	142	4	lists	list	VERB
ejif-11201	142	5	the	the	DET
ejif-11201	142	6	top	top	ADJ
ejif-11201	142	7	ten	ten	NUM
ejif-11201	142	8	universities	university	NOUN
ejif-11201	142	9	and	and	CCONJ
ejif-11201	142	10	institutions	institution	NOUN
ejif-11201	142	11	where	where	SCONJ
ejif-11201	142	12	scholars	scholar	NOUN
ejif-11201	142	13	specializing	specialize	VERB
ejif-11201	142	14	in	in	ADP
ejif-11201	142	15	islamic	islamic	ADJ
ejif-11201	142	16	finance	finance	NOUN
ejif-11201	142	17	and	and	CCONJ
ejif-11201	142	18	financial	financial	ADJ
ejif-11201	142	19	inclusion	inclusion	NOUN
ejif-11201	142	20	are	be	AUX
ejif-11201	142	21	affiliated	affiliate	VERB
ejif-11201	142	22	.	.	PUNCT
ejif-11201	143	1	additionally	additionally	ADV
ejif-11201	143	2	,	,	PUNCT
ejif-11201	143	3	documents	document	NOUN
ejif-11201	143	4	by	by	ADP
ejif-11201	143	5	affiliation	affiliation	NOUN
ejif-11201	143	6	are	be	AUX
ejif-11201	143	7	also	also	ADV
ejif-11201	143	8	listed	list	VERB
ejif-11201	143	9	in	in	ADP
ejif-11201	143	10	table	table	NOUN
ejif-11201	143	11	1	1	NUM
ejif-11201	143	12	.	.	PUNCT
ejif-11201	144	1	as	as	SCONJ
ejif-11201	144	2	shown	show	VERB
ejif-11201	144	3	in	in	ADP
ejif-11201	144	4	table	table	NOUN
ejif-11201	144	5	1	1	NUM
ejif-11201	144	6	above	above	ADV
ejif-11201	144	7	,	,	PUNCT
ejif-11201	144	8	most	most	ADJ
ejif-11201	144	9	of	of	ADP
ejif-11201	144	10	the	the	DET
ejif-11201	144	11	publications	publication	NOUN
ejif-11201	144	12	are	be	AUX
ejif-11201	144	13	from	from	ADP
ejif-11201	144	14	universities	university	NOUN
ejif-11201	144	15	in	in	ADP
ejif-11201	144	16	islamic	islamic	ADJ
ejif-11201	144	17	countries	country	NOUN
ejif-11201	144	18	,	,	PUNCT
ejif-11201	144	19	and	and	CCONJ
ejif-11201	144	20	malaysia	malaysia	PROPN
ejif-11201	144	21	is	be	AUX
ejif-11201	144	22	dominating	dominate	VERB
ejif-11201	144	23	the	the	DET
ejif-11201	144	24	list	list	NOUN
ejif-11201	144	25	.	.	PUNCT
ejif-11201	145	1	3.1	3.1	NUM
ejif-11201	145	2	summary	summary	NOUN
ejif-11201	145	3	of	of	ADP
ejif-11201	145	4	documents	document	NOUN
ejif-11201	145	5	excluded	exclude	VERB
ejif-11201	145	6	a	a	DET
ejif-11201	145	7	total	total	NOUN
ejif-11201	145	8	of	of	ADP
ejif-11201	145	9	49	49	NUM
ejif-11201	145	10	documents	document	NOUN
ejif-11201	145	11	were	be	AUX
ejif-11201	145	12	excluded	exclude	VERB
ejif-11201	145	13	after	after	SCONJ
ejif-11201	145	14	it	it	PRON
ejif-11201	145	15	was	be	AUX
ejif-11201	145	16	determined	determine	VERB
ejif-11201	145	17	that	that	SCONJ
ejif-11201	145	18	they	they	PRON
ejif-11201	145	19	did	do	AUX
ejif-11201	145	20	not	not	PART
ejif-11201	145	21	focus	focus	VERB
ejif-11201	145	22	sufficiently	sufficiently	ADV
ejif-11201	145	23	on	on	ADP
ejif-11201	145	24	the	the	DET
ejif-11201	145	25	islamic	islamic	ADJ
ejif-11201	145	26	objectives	objective	NOUN
ejif-11201	145	27	of	of	ADP
ejif-11201	145	28	the	the	DET
ejif-11201	145	29	study	study	NOUN
ejif-11201	145	30	in	in	ADP
ejif-11201	145	31	question	question	NOUN
ejif-11201	145	32	.	.	PUNCT
ejif-11201	146	1	although	although	SCONJ
ejif-11201	146	2	the	the	DET
ejif-11201	146	3	discussion	discussion	NOUN
ejif-11201	146	4	touched	touch	VERB
ejif-11201	146	5	on	on	ADP
ejif-11201	146	6	islamic	islamic	ADJ
ejif-11201	146	7	finance	finance	PROPN
ejif-11201	146	8	and	and	CCONJ
ejif-11201	146	9	financial	financial	ADJ
ejif-11201	146	10	inclusion	inclusion	NOUN
ejif-11201	146	11	,	,	PUNCT
ejif-11201	146	12	the	the	DET
ejif-11201	146	13	focus	focus	NOUN
ejif-11201	146	14	was	be	AUX
ejif-11201	146	15	not	not	PART
ejif-11201	146	16	directly	directly	ADV
ejif-11201	146	17	related	relate	VERB
ejif-11201	146	18	to	to	ADP
ejif-11201	146	19	the	the	DET
ejif-11201	146	20	objectives	objective	NOUN
ejif-11201	146	21	of	of	ADP
ejif-11201	146	22	the	the	DET
ejif-11201	146	23	current	current	ADJ
ejif-11201	146	24	study	study	NOUN
ejif-11201	146	25	.	.	PUNCT
ejif-11201	147	1	a	a	DET
ejif-11201	147	2	study	study	NOUN
ejif-11201	147	3	carried	carry	VERB
ejif-11201	147	4	out	out	ADP
ejif-11201	147	5	by	by	ADP
ejif-11201	147	6	hassan	hassan	PROPN
ejif-11201	147	7	,	,	PUNCT
ejif-11201	147	8	hossain	hossain	PROPN
ejif-11201	147	9	,	,	PUNCT
ejif-11201	147	10	and	and	CCONJ
ejif-11201	147	11	ahmed	ahmed	PROPN
ejif-11201	147	12	(	(	PUNCT
ejif-11201	147	13	2022	2022	NUM
ejif-11201	147	14	)	)	PUNCT
ejif-11201	147	15	aimed	aim	VERB
ejif-11201	147	16	to	to	PART
ejif-11201	147	17	estimate	estimate	VERB
ejif-11201	147	18	the	the	DET
ejif-11201	147	19	influence	influence	NOUN
ejif-11201	147	20	of	of	ADP
ejif-11201	147	21	the	the	DET
ejif-11201	147	22	relative	relative	ADJ
ejif-11201	147	23	strength	strength	NOUN
ejif-11201	147	24	of	of	ADP
ejif-11201	147	25	islamic	islamic	ADJ
ejif-11201	147	26	finance	finance	NOUN
ejif-11201	147	27	on	on	ADP
ejif-11201	147	28	gdp	gdp	NOUN
ejif-11201	147	29	growth	growth	NOUN
ejif-11201	147	30	for	for	ADP
ejif-11201	147	31	organisation	organisation	NOUN
ejif-11201	147	32	of	of	ADP
ejif-11201	147	33	islamic	islamic	ADJ
ejif-11201	147	34	cooperation	cooperation	NOUN
ejif-11201	147	35	(	(	PUNCT
ejif-11201	147	36	oic	oic	PROPN
ejif-11201	147	37	)	)	PUNCT
ejif-11201	147	38	countries	country	NOUN
ejif-11201	147	39	,	,	PUNCT
ejif-11201	147	40	as	as	ADV
ejif-11201	147	41	well	well	ADV
ejif-11201	147	42	as	as	ADP
ejif-11201	147	43	the	the	DET
ejif-11201	147	44	whole	whole	ADJ
ejif-11201	147	45	world	world	NOUN
ejif-11201	147	46	.	.	PUNCT
ejif-11201	148	1	the	the	DET
ejif-11201	148	2	focus	focus	NOUN
ejif-11201	148	3	of	of	ADP
ejif-11201	148	4	the	the	DET
ejif-11201	148	5	research	research	NOUN
ejif-11201	148	6	does	do	AUX
ejif-11201	148	7	not	not	PART
ejif-11201	148	8	adequately	adequately	ADV
ejif-11201	148	9	address	address	VERB
ejif-11201	148	10	the	the	DET
ejif-11201	148	11	subject	subject	NOUN
ejif-11201	148	12	in	in	ADP
ejif-11201	148	13	question	question	NOUN
ejif-11201	148	14	.	.	PUNCT
ejif-11201	149	1	another	another	DET
ejif-11201	149	2	document	document	NOUN
ejif-11201	149	3	excluded	exclude	VERB
ejif-11201	149	4	for	for	ADP
ejif-11201	149	5	not	not	PART
ejif-11201	149	6	addressing	address	VERB
ejif-11201	149	7	the	the	DET
ejif-11201	149	8	subject	subject	NOUN
ejif-11201	149	9	in	in	ADP
ejif-11201	149	10	question	question	NOUN
ejif-11201	149	11	is	be	AUX
ejif-11201	149	12	a	a	DET
ejif-11201	149	13	research	research	NOUN
ejif-11201	149	14	by	by	ADP
ejif-11201	149	15	saifurrahman	saifurrahman	PROPN
ejif-11201	149	16	and	and	CCONJ
ejif-11201	149	17	kassim	kassim	PROPN
ejif-11201	149	18	(	(	PUNCT
ejif-11201	149	19	2023	2023	NUM
ejif-11201	149	20	)	)	PUNCT
ejif-11201	149	21	,	,	PUNCT
ejif-11201	149	22	the	the	DET
ejif-11201	149	23	main	main	ADJ
ejif-11201	149	24	focus	focus	NOUN
ejif-11201	149	25	was	be	AUX
ejif-11201	149	26	to	to	PART
ejif-11201	149	27	explore	explore	VERB
ejif-11201	149	28	and	and	CCONJ
ejif-11201	149	29	analyse	analyse	VERB
ejif-11201	149	30	the	the	DET
ejif-11201	149	31	credit	credit	NOUN
ejif-11201	149	32	risk	risk	NOUN
ejif-11201	149	33	assessment	assessment	NOUN
ejif-11201	149	34	procedure	procedure	NOUN
ejif-11201	149	35	conducted	conduct	VERB
ejif-11201	149	36	by	by	ADP
ejif-11201	149	37	the	the	DET
ejif-11201	149	38	indonesian	indonesian	ADJ
ejif-11201	149	39	islamic	islamic	ADJ
ejif-11201	149	40	banks	bank	NOUN
ejif-11201	149	41	to	to	PART
ejif-11201	149	42	address	address	VERB
ejif-11201	149	43	the	the	DET
ejif-11201	149	44	issue	issue	NOUN
ejif-11201	149	45	of	of	ADP
ejif-11201	149	46	asymmetric	asymmetric	ADJ
ejif-11201	149	47	information	information	NOUN
ejif-11201	149	48	among	among	ADP
ejif-11201	149	49	their	their	PRON
ejif-11201	149	50	micro-	micro-	NOUN
ejif-11201	149	51	,	,	PUNCT
ejif-11201	149	52	smalland	smalland	CCONJ
ejif-11201	149	53	medium	medium	ADJ
ejif-11201	149	54	-	-	PUNCT
ejif-11201	149	55	sized	sized	ADJ
ejif-11201	149	56	enterprise	enterprise	NOUN
ejif-11201	149	57	(	(	PUNCT
ejif-11201	149	58	msme	msme	NOUN
ejif-11201	149	59	)	)	PUNCT
ejif-11201	149	60	clients	client	NOUN
ejif-11201	149	61	.	.	PUNCT
ejif-11201	150	1	a	a	DET
ejif-11201	150	2	study	study	NOUN
ejif-11201	150	3	by	by	ADP
ejif-11201	150	4	ibrahim	ibrahim	PROPN
ejif-11201	150	5	and	and	CCONJ
ejif-11201	150	6	kahf	kahf	PROPN
ejif-11201	150	7	(	(	PUNCT
ejif-11201	150	8	2020	2020	NUM
ejif-11201	150	9	)	)	PUNCT
ejif-11201	150	10	was	be	AUX
ejif-11201	150	11	also	also	ADV
ejif-11201	150	12	removed	remove	VERB
ejif-11201	150	13	after	after	SCONJ
ejif-11201	150	14	it	it	PRON
ejif-11201	150	15	was	be	AUX
ejif-11201	150	16	found	find	VERB
ejif-11201	150	17	that	that	SCONJ
ejif-11201	150	18	the	the	DET
ejif-11201	150	19	study	study	NOUN
ejif-11201	150	20	's	's	PART
ejif-11201	150	21	focus	focus	NOUN
ejif-11201	150	22	was	be	AUX
ejif-11201	150	23	on	on	ADP
ejif-11201	150	24	investigating	investigate	VERB
ejif-11201	150	25	the	the	DET
ejif-11201	150	26	potential	potential	ADJ
ejif-11201	150	27	applications	application	NOUN
ejif-11201	150	28	of	of	ADP
ejif-11201	150	29	sharīſah	sharīſah	NOUN
ejif-11201	150	30	-	-	PUNCT
ejif-11201	150	31	compliant	compliant	ADJ
ejif-11201	150	32	instruments	instrument	NOUN
ejif-11201	150	33	to	to	PART
ejif-11201	150	34	safeguard	safeguard	VERB
ejif-11201	150	35	investments	investment	NOUN
ejif-11201	150	36	and	and	CCONJ
ejif-11201	150	37	attract	attract	VERB
ejif-11201	150	38	investors	investor	NOUN
ejif-11201	150	39	to	to	ADP
ejif-11201	150	40	islamic	islamic	ADJ
ejif-11201	150	41	venture	venture	NOUN
ejif-11201	150	42	capital	capital	NOUN
ejif-11201	150	43	(	(	PUNCT
ejif-11201	150	44	ivc	ivc	PROPN
ejif-11201	150	45	)	)	PUNCT
ejif-11201	150	46	.	.	PUNCT
ejif-11201	151	1	although	although	SCONJ
ejif-11201	151	2	a	a	DET
ejif-11201	151	3	study	study	NOUN
ejif-11201	151	4	by	by	ADP
ejif-11201	151	5	mohamed	mohamed	PROPN
ejif-11201	151	6	and	and	CCONJ
ejif-11201	151	7	elgammal	elgammal	ADJ
ejif-11201	151	8	(	(	PUNCT
ejif-11201	151	9	2023	2023	NUM
ejif-11201	151	10	)	)	PUNCT
ejif-11201	151	11	appeared	appear	VERB
ejif-11201	151	12	to	to	PART
ejif-11201	151	13	be	be	AUX
ejif-11201	151	14	addressing	address	VERB
ejif-11201	151	15	the	the	DET
ejif-11201	151	16	subject	subject	NOUN
ejif-11201	151	17	in	in	ADP
ejif-11201	151	18	question	question	NOUN
ejif-11201	151	19	,	,	PUNCT
ejif-11201	151	20	the	the	DET
ejif-11201	151	21	focus	focus	NOUN
ejif-11201	151	22	was	be	AUX
ejif-11201	151	23	slightly	slightly	ADV
ejif-11201	151	24	different	different	ADJ
ejif-11201	151	25	since	since	SCONJ
ejif-11201	151	26	it	it	PRON
ejif-11201	151	27	was	be	AUX
ejif-11201	151	28	mainly	mainly	ADV
ejif-11201	151	29	concerned	concerned	ADJ
ejif-11201	151	30	about	about	ADP
ejif-11201	151	31	how	how	SCONJ
ejif-11201	151	32	donations	donation	NOUN
ejif-11201	151	33	influence	influence	VERB
ejif-11201	151	34	financial	financial	ADJ
ejif-11201	151	35	inclusion	inclusion	NOUN
ejif-11201	151	36	outcomes	outcome	NOUN
ejif-11201	151	37	for	for	ADP
ejif-11201	151	38	both	both	CCONJ
ejif-11201	151	39	islamic	islamic	ADJ
ejif-11201	151	40	and	and	CCONJ
ejif-11201	151	41	conventional	conventional	ADJ
ejif-11201	151	42	mfis	mfis	NOUN
ejif-11201	151	43	.	.	PUNCT
ejif-11201	152	1	setiawati	setiawati	NOUN
ejif-11201	152	2	,	,	PUNCT
ejif-11201	152	3	nidar	nidar	NOUN
ejif-11201	152	4	,	,	PUNCT
ejif-11201	152	5	anwar	anwar	PROPN
ejif-11201	152	6	,	,	PUNCT
ejif-11201	152	7	and	and	CCONJ
ejif-11201	152	8	masyita	masyita	NOUN
ejif-11201	152	9	(	(	PUNCT
ejif-11201	152	10	2018	2018	NUM
ejif-11201	152	11	)	)	PUNCT
ejif-11201	152	12	conducted	conduct	VERB
ejif-11201	152	13	a	a	DET
ejif-11201	152	14	study	study	NOUN
ejif-11201	152	15	to	to	PART
ejif-11201	152	16	assess	assess	VERB
ejif-11201	152	17	the	the	DET
ejif-11201	152	18	financial	financial	ADJ
ejif-11201	152	19	literacy	literacy	NOUN
ejif-11201	152	20	of	of	ADP
ejif-11201	152	21	participants	participant	NOUN
ejif-11201	152	22	in	in	ADP
ejif-11201	152	23	islamic	islamic	ADJ
ejif-11201	152	24	banking	banking	NOUN
ejif-11201	152	25	.	.	PUNCT
ejif-11201	153	1	although	although	SCONJ
ejif-11201	153	2	the	the	DET
ejif-11201	153	3	study	study	NOUN
ejif-11201	153	4	was	be	AUX
ejif-11201	153	5	relevant	relevant	ADJ
ejif-11201	153	6	to	to	ADP
ejif-11201	153	7	the	the	DET
ejif-11201	153	8	study	study	NOUN
ejif-11201	153	9	in	in	ADP
ejif-11201	153	10	question	question	NOUN
ejif-11201	153	11	,	,	PUNCT
ejif-11201	153	12	the	the	DET
ejif-11201	153	13	major	major	ADJ
ejif-11201	153	14	focus	focus	NOUN
ejif-11201	153	15	of	of	ADP
ejif-11201	153	16	the	the	DET
ejif-11201	153	17	current	current	ADJ
ejif-11201	153	18	study	study	NOUN
ejif-11201	153	19	was	be	AUX
ejif-11201	153	20	on	on	ADP
ejif-11201	153	21	the	the	DET
ejif-11201	153	22	use	use	NOUN
ejif-11201	153	23	of	of	ADP
ejif-11201	153	24	islamic	islamic	ADJ
ejif-11201	153	25	financial	financial	ADJ
ejif-11201	153	26	services	services	PROPN
ejif-11201	153	27	.	.	PUNCT
ejif-11201	154	1	banna	banna	PROPN
ejif-11201	154	2	,	,	PUNCT
ejif-11201	154	3	hassan	hassan	PROPN
ejif-11201	154	4	,	,	PUNCT
ejif-11201	154	5	ahmad	ahmad	PROPN
ejif-11201	154	6	,	,	PUNCT
ejif-11201	154	7	and	and	CCONJ
ejif-11201	154	8	alam	alam	PROPN
ejif-11201	154	9	(	(	PUNCT
ejif-11201	154	10	2022	2022	NUM
ejif-11201	154	11	)	)	PUNCT
ejif-11201	154	12	conducted	conduct	VERB
ejif-11201	154	13	a	a	DET
ejif-11201	154	14	study	study	NOUN
ejif-11201	154	15	to	to	PART
ejif-11201	154	16	investigate	investigate	VERB
ejif-11201	154	17	the	the	DET
ejif-11201	154	18	role	role	NOUN
ejif-11201	154	19	of	of	ADP
ejif-11201	154	20	digital	digital	ADJ
ejif-11201	154	21	financial	financial	ADJ
ejif-11201	154	22	inclusion	inclusion	NOUN
ejif-11201	154	23	(	(	PUNCT
ejif-11201	154	24	dfi	dfi	PROPN
ejif-11201	154	25	)	)	PUNCT
ejif-11201	154	26	in	in	ADP
ejif-11201	154	27	stabilizing	stabilize	VERB
ejif-11201	154	28	the	the	DET
ejif-11201	154	29	islamic	islamic	ADJ
ejif-11201	154	30	banking	banking	NOUN
ejif-11201	154	31	sector	sector	NOUN
ejif-11201	154	32	during	during	ADP
ejif-11201	154	33	the	the	DET
ejif-11201	154	34	current	current	ADJ
ejif-11201	154	35	covid-19	covid-19	PROPN
ejif-11201	154	36	pandemic	pandemic	NOUN
ejif-11201	154	37	.	.	PUNCT
ejif-11201	155	1	although	although	SCONJ
ejif-11201	155	2	the	the	DET
ejif-11201	155	3	study	study	NOUN
ejif-11201	155	4	included	include	VERB
ejif-11201	155	5	the	the	DET
ejif-11201	155	6	financial	financial	ADJ
ejif-11201	155	7	european	european	ADJ
ejif-11201	155	8	journal	journal	PROPN
ejif-11201	155	9	of	of	ADP
ejif-11201	155	10	islamic	islamic	PROPN
ejif-11201	155	11	finance	finance	PROPN
ejif-11201	155	12	issn	issn	PROPN
ejif-11201	155	13	:	:	PUNCT
ejif-11201	155	14	2421	2421	NUM
ejif-11201	155	15	-	-	SYM
ejif-11201	155	16	2172	2172	NUM
ejif-11201	155	17	doi	doi	NOUN
ejif-11201	155	18	:	:	PUNCT
ejif-11201	155	19	10.13135/2421	10.13135/2421	NUM
ejif-11201	155	20	-	-	SYM
ejif-11201	155	21	2172/11201	2172/11201	NUM
ejif-11201	155	22	published	publish	VERB
ejif-11201	155	23	by	by	ADP
ejif-11201	155	24	university	university	PROPN
ejif-11201	155	25	of	of	ADP
ejif-11201	155	26	turin	turin	PROPN
ejif-11201	155	27	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	155	28	ejif	ejif	PROPN
ejif-11201	155	29	content	content	NOUN
ejif-11201	155	30	is	be	AUX
ejif-11201	155	31	licensed	license	VERB
ejif-11201	155	32	under	under	ADP
ejif-11201	155	33	a	a	DET
ejif-11201	155	34	creative	creative	ADJ
ejif-11201	155	35	commons	common	NOUN
ejif-11201	155	36	attribution	attribution	NOUN
ejif-11201	155	37	4.0	4.0	NUM
ejif-11201	155	38	international	international	ADJ
ejif-11201	155	39	license	license	NOUN
ejif-11201	155	40	79	79	NUM
ejif-11201	155	41	inclusion	inclusion	NOUN
ejif-11201	155	42	aspect	aspect	NOUN
ejif-11201	155	43	,	,	PUNCT
ejif-11201	155	44	its	its	PRON
ejif-11201	155	45	focus	focus	NOUN
ejif-11201	155	46	was	be	AUX
ejif-11201	155	47	not	not	PART
ejif-11201	155	48	aligned	align	VERB
ejif-11201	155	49	with	with	ADP
ejif-11201	155	50	the	the	DET
ejif-11201	155	51	current	current	ADJ
ejif-11201	155	52	research	research	NOUN
ejif-11201	155	53	objectives	objective	NOUN
ejif-11201	155	54	.	.	PUNCT
ejif-11201	156	1	another	another	DET
ejif-11201	156	2	paper	paper	NOUN
ejif-11201	156	3	excluded	exclude	VERB
ejif-11201	156	4	from	from	ADP
ejif-11201	156	5	the	the	DET
ejif-11201	156	6	study	study	NOUN
ejif-11201	156	7	is	be	AUX
ejif-11201	156	8	that	that	PRON
ejif-11201	156	9	of	of	ADP
ejif-11201	156	10	aysan	aysan	ADJ
ejif-11201	156	11	,	,	PUNCT
ejif-11201	156	12	dolgun	dolgun	NOUN
ejif-11201	156	13	,	,	PUNCT
ejif-11201	156	14	and	and	CCONJ
ejif-11201	156	15	turhan	turhan	ADV
ejif-11201	156	16	(	(	PUNCT
ejif-11201	156	17	2013	2013	NUM
ejif-11201	156	18	)	)	PUNCT
ejif-11201	156	19	,	,	PUNCT
ejif-11201	156	20	who	who	PRON
ejif-11201	156	21	carried	carry	VERB
ejif-11201	156	22	out	out	ADP
ejif-11201	156	23	a	a	DET
ejif-11201	156	24	study	study	NOUN
ejif-11201	156	25	on	on	ADP
ejif-11201	156	26	the	the	DET
ejif-11201	156	27	performance	performance	NOUN
ejif-11201	156	28	of	of	ADP
ejif-11201	156	29	participation	participation	NOUN
ejif-11201	156	30	banks	bank	NOUN
ejif-11201	156	31	(	(	PUNCT
ejif-11201	156	32	pbs	pbs	PROPN
ejif-11201	156	33	)	)	PUNCT
ejif-11201	156	34	and	and	CCONJ
ejif-11201	156	35	analytically	analytically	ADV
ejif-11201	156	36	discussed	discuss	VERB
ejif-11201	156	37	the	the	DET
ejif-11201	156	38	participation	participation	NOUN
ejif-11201	156	39	banking	banking	NOUN
ejif-11201	156	40	industry	industry	NOUN
ejif-11201	156	41	in	in	ADP
ejif-11201	156	42	turkey	turkey	NOUN
ejif-11201	156	43	.	.	PUNCT
ejif-11201	157	1	although	although	SCONJ
ejif-11201	157	2	the	the	DET
ejif-11201	157	3	study	study	NOUN
ejif-11201	157	4	indicated	indicate	VERB
ejif-11201	157	5	that	that	SCONJ
ejif-11201	157	6	participating	participate	VERB
ejif-11201	157	7	banks	bank	NOUN
ejif-11201	157	8	are	be	AUX
ejif-11201	157	9	promoting	promote	VERB
ejif-11201	157	10	financial	financial	ADJ
ejif-11201	157	11	inclusion	inclusion	NOUN
ejif-11201	157	12	,	,	PUNCT
ejif-11201	157	13	its	its	PRON
ejif-11201	157	14	primary	primary	ADJ
ejif-11201	157	15	focus	focus	NOUN
ejif-11201	157	16	was	be	AUX
ejif-11201	157	17	not	not	PART
ejif-11201	157	18	on	on	ADP
ejif-11201	157	19	financial	financial	ADJ
ejif-11201	157	20	inclusion	inclusion	NOUN
ejif-11201	157	21	,	,	PUNCT
ejif-11201	157	22	which	which	PRON
ejif-11201	157	23	is	be	AUX
ejif-11201	157	24	why	why	SCONJ
ejif-11201	157	25	it	it	PRON
ejif-11201	157	26	was	be	AUX
ejif-11201	157	27	excluded	exclude	VERB
ejif-11201	157	28	from	from	ADP
ejif-11201	157	29	the	the	DET
ejif-11201	157	30	current	current	ADJ
ejif-11201	157	31	study	study	NOUN
ejif-11201	157	32	.	.	PUNCT
ejif-11201	158	1	abbas	abbas	PROPN
ejif-11201	158	2	et	et	PROPN
ejif-11201	158	3	al	al	PROPN
ejif-11201	158	4	.	.	PROPN
ejif-11201	159	1	(	(	PUNCT
ejif-11201	159	2	2019	2019	NUM
ejif-11201	159	3	)	)	PUNCT
ejif-11201	159	4	also	also	ADV
ejif-11201	159	5	conducted	conduct	VERB
ejif-11201	159	6	a	a	DET
ejif-11201	159	7	study	study	NOUN
ejif-11201	159	8	to	to	PART
ejif-11201	159	9	describe	describe	VERB
ejif-11201	159	10	the	the	DET
ejif-11201	159	11	earnings	earning	NOUN
ejif-11201	159	12	growth	growth	NOUN
ejif-11201	159	13	and	and	CCONJ
ejif-11201	159	14	marketability	marketability	NOUN
ejif-11201	159	15	generated	generate	VERB
ejif-11201	159	16	by	by	ADP
ejif-11201	159	17	islamic	islamic	ADJ
ejif-11201	159	18	banks	bank	NOUN
ejif-11201	159	19	in	in	ADP
ejif-11201	159	20	indonesia	indonesia	PROPN
ejif-11201	159	21	,	,	PUNCT
ejif-11201	159	22	and	and	CCONJ
ejif-11201	159	23	to	to	PART
ejif-11201	159	24	investigate	investigate	VERB
ejif-11201	159	25	the	the	DET
ejif-11201	159	26	effects	effect	NOUN
ejif-11201	159	27	of	of	ADP
ejif-11201	159	28	a	a	DET
ejif-11201	159	29	moderated	moderated	ADJ
ejif-11201	159	30	mediation	mediation	NOUN
ejif-11201	159	31	model	model	NOUN
ejif-11201	159	32	on	on	ADP
ejif-11201	159	33	the	the	DET
ejif-11201	159	34	nexus	nexus	NOUN
ejif-11201	159	35	between	between	ADP
ejif-11201	159	36	islamic	islamic	ADJ
ejif-11201	159	37	financial	financial	ADJ
ejif-11201	159	38	inclusion	inclusion	NOUN
ejif-11201	159	39	,	,	PUNCT
ejif-11201	159	40	literacy	literacy	NOUN
ejif-11201	159	41	,	,	PUNCT
ejif-11201	159	42	marketability	marketability	NOUN
ejif-11201	159	43	,	,	PUNCT
ejif-11201	159	44	and	and	CCONJ
ejif-11201	159	45	earnings	earning	NOUN
ejif-11201	159	46	growth	growth	NOUN
ejif-11201	159	47	.	.	PUNCT
ejif-11201	160	1	due	due	ADP
ejif-11201	160	2	to	to	ADP
ejif-11201	160	3	the	the	DET
ejif-11201	160	4	study	study	NOUN
ejif-11201	160	5	’s	’s	PART
ejif-11201	160	6	focus	focus	NOUN
ejif-11201	160	7	,	,	PUNCT
ejif-11201	160	8	researchers	researcher	NOUN
ejif-11201	160	9	decided	decide	VERB
ejif-11201	160	10	to	to	PART
ejif-11201	160	11	exclude	exclude	VERB
ejif-11201	160	12	it	it	PRON
ejif-11201	160	13	since	since	SCONJ
ejif-11201	160	14	it	it	PRON
ejif-11201	160	15	does	do	AUX
ejif-11201	160	16	not	not	PART
ejif-11201	160	17	address	address	VERB
ejif-11201	160	18	the	the	DET
ejif-11201	160	19	objectives	objective	NOUN
ejif-11201	160	20	of	of	ADP
ejif-11201	160	21	the	the	DET
ejif-11201	160	22	study	study	NOUN
ejif-11201	160	23	in	in	ADP
ejif-11201	160	24	question	question	NOUN
ejif-11201	160	25	.	.	PUNCT
ejif-11201	161	1	in	in	ADP
ejif-11201	161	2	general	general	ADJ
ejif-11201	161	3	,	,	PUNCT
ejif-11201	161	4	all	all	DET
ejif-11201	161	5	studies	study	NOUN
ejif-11201	161	6	excluded	exclude	VERB
ejif-11201	161	7	from	from	ADP
ejif-11201	161	8	the	the	DET
ejif-11201	161	9	study	study	NOUN
ejif-11201	161	10	did	do	AUX
ejif-11201	161	11	not	not	PART
ejif-11201	161	12	address	address	VERB
ejif-11201	161	13	the	the	DET
ejif-11201	161	14	objectives	objective	NOUN
ejif-11201	161	15	in	in	ADP
ejif-11201	161	16	question	question	NOUN
ejif-11201	161	17	,	,	PUNCT
ejif-11201	161	18	which	which	PRON
ejif-11201	161	19	explains	explain	VERB
ejif-11201	161	20	why	why	SCONJ
ejif-11201	161	21	they	they	PRON
ejif-11201	161	22	were	be	AUX
ejif-11201	161	23	excluded	exclude	VERB
ejif-11201	161	24	.	.	PUNCT
ejif-11201	162	1	although	although	SCONJ
ejif-11201	162	2	some	some	DET
ejif-11201	162	3	articles	article	NOUN
ejif-11201	162	4	addressed	address	VERB
ejif-11201	162	5	issues	issue	NOUN
ejif-11201	162	6	closely	closely	ADV
ejif-11201	162	7	related	relate	VERB
ejif-11201	162	8	to	to	ADP
ejif-11201	162	9	islamic	islamic	ADJ
ejif-11201	162	10	finance	finance	NOUN
ejif-11201	162	11	and	and	CCONJ
ejif-11201	162	12	financial	financial	ADJ
ejif-11201	162	13	inclusion	inclusion	NOUN
ejif-11201	162	14	,	,	PUNCT
ejif-11201	162	15	the	the	DET
ejif-11201	162	16	findings	finding	NOUN
ejif-11201	162	17	were	be	AUX
ejif-11201	162	18	not	not	PART
ejif-11201	162	19	clear	clear	ADJ
ejif-11201	162	20	regarding	regard	VERB
ejif-11201	162	21	the	the	DET
ejif-11201	162	22	interplay	interplay	NOUN
ejif-11201	162	23	between	between	ADP
ejif-11201	162	24	the	the	DET
ejif-11201	162	25	two	two	NUM
ejif-11201	162	26	.	.	PUNCT
ejif-11201	163	1	the	the	DET
ejif-11201	163	2	screening	screening	NOUN
ejif-11201	163	3	process	process	NOUN
ejif-11201	163	4	was	be	AUX
ejif-11201	163	5	carried	carry	VERB
ejif-11201	163	6	out	out	ADP
ejif-11201	163	7	by	by	ADP
ejif-11201	163	8	both	both	DET
ejif-11201	163	9	researchers	researcher	NOUN
ejif-11201	163	10	,	,	PUNCT
ejif-11201	163	11	who	who	PRON
ejif-11201	163	12	at	at	ADP
ejif-11201	163	13	the	the	DET
ejif-11201	163	14	end	end	NOUN
ejif-11201	163	15	of	of	ADP
ejif-11201	163	16	the	the	DET
ejif-11201	163	17	process	process	NOUN
ejif-11201	163	18	calculated	calculate	VERB
ejif-11201	163	19	the	the	DET
ejif-11201	163	20	coefficient	coefficient	NOUN
ejif-11201	163	21	of	of	ADP
ejif-11201	163	22	agreement	agreement	NOUN
ejif-11201	163	23	(	(	PUNCT
ejif-11201	163	24	cohen	cohen	PROPN
ejif-11201	163	25	’s	’s	PART
ejif-11201	163	26	kappa	kappa	PROPN
ejif-11201	163	27	coefficient	coefficient	PROPN
ejif-11201	163	28	)	)	PUNCT
ejif-11201	163	29	in	in	ADP
ejif-11201	163	30	order	order	NOUN
ejif-11201	163	31	to	to	PART
ejif-11201	163	32	deal	deal	VERB
ejif-11201	163	33	with	with	ADP
ejif-11201	163	34	bias	bias	NOUN
ejif-11201	163	35	.	.	PUNCT
ejif-11201	164	1	the	the	DET
ejif-11201	164	2	cohen	cohen	PROPN
ejif-11201	164	3	’s	’s	PART
ejif-11201	164	4	kappa	kappa	PROPN
ejif-11201	164	5	coefficient	coefficient	PROPN
ejif-11201	164	6	was	be	AUX
ejif-11201	164	7	found	find	VERB
ejif-11201	164	8	to	to	PART
ejif-11201	164	9	be	be	AUX
ejif-11201	164	10	0.8934	0.8934	NUM
ejif-11201	164	11	,	,	PUNCT
ejif-11201	164	12	indicating	indicate	VERB
ejif-11201	164	13	a	a	DET
ejif-11201	164	14	very	very	ADV
ejif-11201	164	15	strong	strong	ADJ
ejif-11201	164	16	level	level	NOUN
ejif-11201	164	17	of	of	ADP
ejif-11201	164	18	agreement	agreement	NOUN
ejif-11201	164	19	between	between	ADP
ejif-11201	164	20	the	the	DET
ejif-11201	164	21	two	two	NUM
ejif-11201	164	22	researchers	researcher	NOUN
ejif-11201	164	23	.	.	PUNCT
ejif-11201	165	1	3.2	3.2	NUM
ejif-11201	165	2	role	role	NOUN
ejif-11201	165	3	of	of	ADP
ejif-11201	165	4	islamic	islamic	ADJ
ejif-11201	165	5	finance	finance	NOUN
ejif-11201	165	6	in	in	ADP
ejif-11201	165	7	fostering	foster	VERB
ejif-11201	165	8	financial	financial	ADJ
ejif-11201	165	9	inclusion	inclusion	NOUN
ejif-11201	165	10	as	as	SCONJ
ejif-11201	165	11	shown	show	VERB
ejif-11201	165	12	in	in	ADP
ejif-11201	165	13	table	table	NOUN
ejif-11201	165	14	2	2	NUM
ejif-11201	165	15	,	,	PUNCT
ejif-11201	165	16	research	research	NOUN
ejif-11201	165	17	has	have	AUX
ejif-11201	165	18	consistently	consistently	ADV
ejif-11201	165	19	shown	show	VERB
ejif-11201	165	20	that	that	SCONJ
ejif-11201	165	21	islamic	islamic	ADJ
ejif-11201	165	22	banking	banking	NOUN
ejif-11201	165	23	has	have	VERB
ejif-11201	165	24	a	a	DET
ejif-11201	165	25	positive	positive	ADJ
ejif-11201	165	26	impact	impact	NOUN
ejif-11201	165	27	on	on	ADP
ejif-11201	165	28	financial	financial	ADJ
ejif-11201	165	29	inclusion	inclusion	NOUN
ejif-11201	165	30	.	.	PUNCT
ejif-11201	166	1	consequently	consequently	ADV
ejif-11201	166	2	,	,	PUNCT
ejif-11201	166	3	islamic	islamic	ADJ
ejif-11201	166	4	financial	financial	ADJ
ejif-11201	166	5	institutions	institution	NOUN
ejif-11201	166	6	have	have	AUX
ejif-11201	166	7	assumed	assume	VERB
ejif-11201	166	8	the	the	DET
ejif-11201	166	9	responsibility	responsibility	NOUN
ejif-11201	166	10	of	of	ADP
ejif-11201	166	11	providing	provide	VERB
ejif-11201	166	12	sharia	sharia	NOUN
ejif-11201	166	13	-	-	PUNCT
ejif-11201	166	14	compliant	compliant	ADJ
ejif-11201	166	15	financing	financing	NOUN
ejif-11201	166	16	options	option	NOUN
ejif-11201	166	17	to	to	ADP
ejif-11201	166	18	the	the	DET
ejif-11201	166	19	muslim	muslim	PROPN
ejif-11201	166	20	community	community	PROPN
ejif-11201	166	21	,	,	PUNCT
ejif-11201	166	22	thereby	thereby	ADV
ejif-11201	166	23	meeting	meet	VERB
ejif-11201	166	24	their	their	PRON
ejif-11201	166	25	financial	financial	ADJ
ejif-11201	166	26	needs	need	NOUN
ejif-11201	166	27	while	while	SCONJ
ejif-11201	166	28	adhering	adhere	VERB
ejif-11201	166	29	to	to	ADP
ejif-11201	166	30	islamic	islamic	ADJ
ejif-11201	166	31	principles	principle	NOUN
ejif-11201	166	32	.	.	PUNCT
ejif-11201	167	1	this	this	PRON
ejif-11201	167	2	supports	support	VERB
ejif-11201	167	3	chapra	chapra	NOUN
ejif-11201	167	4	's	's	PART
ejif-11201	167	5	(	(	PUNCT
ejif-11201	167	6	1982	1982	NUM
ejif-11201	167	7	)	)	PUNCT
ejif-11201	167	8	theory	theory	NOUN
ejif-11201	167	9	of	of	ADP
ejif-11201	167	10	banking	banking	NOUN
ejif-11201	167	11	,	,	PUNCT
ejif-11201	167	12	which	which	PRON
ejif-11201	167	13	posits	posit	VERB
ejif-11201	167	14	that	that	SCONJ
ejif-11201	167	15	the	the	DET
ejif-11201	167	16	development	development	NOUN
ejif-11201	167	17	of	of	ADP
ejif-11201	167	18	credit	credit	NOUN
ejif-11201	167	19	constitutes	constitute	VERB
ejif-11201	167	20	the	the	DET
ejif-11201	167	21	foundation	foundation	NOUN
ejif-11201	167	22	for	for	ADP
ejif-11201	167	23	the	the	DET
ejif-11201	167	24	purchasing	purchase	VERB
ejif-11201	167	25	power	power	NOUN
ejif-11201	167	26	of	of	ADP
ejif-11201	167	27	parties	party	NOUN
ejif-11201	167	28	involved	involve	VERB
ejif-11201	167	29	in	in	ADP
ejif-11201	167	30	financial	financial	ADJ
ejif-11201	167	31	transaction	transaction	NOUN
ejif-11201	167	32	agreements	agreement	NOUN
ejif-11201	167	33	.	.	PUNCT
ejif-11201	168	1	studies	study	NOUN
ejif-11201	168	2	by	by	ADP
ejif-11201	168	3	warsame	warsame	NOUN
ejif-11201	168	4	(	(	PUNCT
ejif-11201	168	5	2015	2015	NUM
ejif-11201	168	6	)	)	PUNCT
ejif-11201	168	7	,	,	PUNCT
ejif-11201	168	8	saiti	saiti	PROPN
ejif-11201	168	9	et	et	PROPN
ejif-11201	168	10	al	al	PROPN
ejif-11201	168	11	.	.	PROPN
ejif-11201	168	12	(	(	PUNCT
ejif-11201	168	13	2022	2022	NUM
ejif-11201	168	14	)	)	PUNCT
ejif-11201	168	15	,	,	PUNCT
ejif-11201	168	16	kamalu	kamalu	NOUN
ejif-11201	168	17	and	and	CCONJ
ejif-11201	168	18	ibrahim	ibrahim	PROPN
ejif-11201	168	19	(	(	PUNCT
ejif-11201	168	20	2021	2021	NUM
ejif-11201	168	21	)	)	PUNCT
ejif-11201	168	22	,	,	PUNCT
ejif-11201	168	23	worasutr	worasutr	ADP
ejif-11201	168	24	et	et	PROPN
ejif-11201	168	25	al	al	PROPN
ejif-11201	168	26	(	(	PUNCT
ejif-11201	168	27	2024	2024	NUM
ejif-11201	168	28	)	)	PUNCT
ejif-11201	168	29	,	,	PUNCT
ejif-11201	168	30	and	and	CCONJ
ejif-11201	168	31	jan	jan	PROPN
ejif-11201	168	32	et	et	PROPN
ejif-11201	168	33	al	al	PROPN
ejif-11201	168	34	.	.	PROPN
ejif-11201	169	1	(	(	PUNCT
ejif-11201	169	2	2018	2018	NUM
ejif-11201	169	3	)	)	PUNCT
ejif-11201	169	4	demonstrate	demonstrate	VERB
ejif-11201	169	5	that	that	SCONJ
ejif-11201	169	6	islamic	islamic	ADJ
ejif-11201	169	7	banking	banking	NOUN
ejif-11201	169	8	attracts	attract	VERB
ejif-11201	169	9	new	new	ADJ
ejif-11201	169	10	clients	client	NOUN
ejif-11201	169	11	and	and	CCONJ
ejif-11201	169	12	encourages	encourage	VERB
ejif-11201	169	13	migration	migration	NOUN
ejif-11201	169	14	from	from	ADP
ejif-11201	169	15	conventional	conventional	ADJ
ejif-11201	169	16	banks	bank	NOUN
ejif-11201	169	17	.	.	PUNCT
ejif-11201	170	1	this	this	DET
ejif-11201	170	2	shift	shift	NOUN
ejif-11201	170	3	is	be	AUX
ejif-11201	170	4	largely	largely	ADV
ejif-11201	170	5	driven	drive	VERB
ejif-11201	170	6	by	by	ADP
ejif-11201	170	7	muslims	muslim	NOUN
ejif-11201	170	8	'	'	PART
ejif-11201	170	9	positive	positive	ADJ
ejif-11201	170	10	perception	perception	NOUN
ejif-11201	170	11	of	of	ADP
ejif-11201	170	12	islamic	islamic	ADJ
ejif-11201	170	13	banks	bank	NOUN
ejif-11201	170	14	,	,	PUNCT
ejif-11201	170	15	leading	lead	VERB
ejif-11201	170	16	to	to	ADP
ejif-11201	170	17	increased	increase	VERB
ejif-11201	170	18	account	account	NOUN
ejif-11201	170	19	openings	opening	NOUN
ejif-11201	170	20	(	(	PUNCT
ejif-11201	170	21	saiti	saiti	NOUN
ejif-11201	170	22	et	et	PROPN
ejif-11201	170	23	al	al	PROPN
ejif-11201	170	24	.	.	PROPN
ejif-11201	170	25	,	,	PUNCT
ejif-11201	170	26	2022	2022	NUM
ejif-11201	170	27	)	)	PUNCT
ejif-11201	170	28	.	.	PUNCT
ejif-11201	171	1	moreover	moreover	ADV
ejif-11201	171	2	,	,	PUNCT
ejif-11201	171	3	islamic	islamic	ADJ
ejif-11201	171	4	banking	banking	NOUN
ejif-11201	171	5	has	have	AUX
ejif-11201	171	6	been	be	AUX
ejif-11201	171	7	found	find	VERB
ejif-11201	171	8	to	to	PART
ejif-11201	171	9	promote	promote	VERB
ejif-11201	171	10	financial	financial	ADJ
ejif-11201	171	11	inclusion	inclusion	NOUN
ejif-11201	171	12	among	among	ADP
ejif-11201	171	13	low	low	ADJ
ejif-11201	171	14	-	-	PUNCT
ejif-11201	171	15	income	income	NOUN
ejif-11201	171	16	individuals	individual	NOUN
ejif-11201	171	17	and	and	CCONJ
ejif-11201	171	18	muslims	muslims	PROPN
ejif-11201	171	19	,	,	PUNCT
ejif-11201	171	20	who	who	PRON
ejif-11201	171	21	may	may	AUX
ejif-11201	171	22	not	not	PART
ejif-11201	171	23	have	have	AUX
ejif-11201	171	24	had	have	VERB
ejif-11201	171	25	access	access	NOUN
ejif-11201	171	26	to	to	ADP
ejif-11201	171	27	traditional	traditional	ADJ
ejif-11201	171	28	banking	banking	NOUN
ejif-11201	171	29	services	service	NOUN
ejif-11201	171	30	(	(	PUNCT
ejif-11201	171	31	siddiqui	siddiqui	NOUN
ejif-11201	171	32	et	et	PROPN
ejif-11201	171	33	al	al	PROPN
ejif-11201	171	34	.	.	PROPN
ejif-11201	171	35	,	,	PUNCT
ejif-11201	171	36	2021	2021	NUM
ejif-11201	171	37	)	)	PUNCT
ejif-11201	171	38	.	.	PUNCT
ejif-11201	172	1	islamic	islamic	ADJ
ejif-11201	172	2	fintech	fintech	PROPN
ejif-11201	172	3	has	have	AUX
ejif-11201	172	4	also	also	ADV
ejif-11201	172	5	emerged	emerge	VERB
ejif-11201	172	6	as	as	ADP
ejif-11201	172	7	an	an	DET
ejif-11201	172	8	effective	effective	ADJ
ejif-11201	172	9	solution	solution	NOUN
ejif-11201	172	10	for	for	ADP
ejif-11201	172	11	underserved	underserved	ADJ
ejif-11201	172	12	individuals	individual	NOUN
ejif-11201	172	13	,	,	PUNCT
ejif-11201	172	14	offering	offer	VERB
ejif-11201	172	15	efficient	efficient	ADJ
ejif-11201	172	16	alternatives	alternative	NOUN
ejif-11201	172	17	for	for	ADP
ejif-11201	172	18	financing	financing	NOUN
ejif-11201	172	19	(	(	PUNCT
ejif-11201	172	20	tajudin	tajudin	VERB
ejif-11201	172	21	et	et	PROPN
ejif-11201	172	22	al	al	PROPN
ejif-11201	172	23	.	.	PROPN
ejif-11201	172	24	,	,	PUNCT
ejif-11201	172	25	2020	2020	NUM
ejif-11201	172	26	)	)	PUNCT
ejif-11201	172	27	.	.	PUNCT
ejif-11201	173	1	additionally	additionally	ADV
ejif-11201	173	2	,	,	PUNCT
ejif-11201	173	3	takaful	takaful	ADJ
ejif-11201	173	4	insurance	insurance	NOUN
ejif-11201	173	5	has	have	AUX
ejif-11201	173	6	been	be	AUX
ejif-11201	173	7	shown	show	VERB
ejif-11201	173	8	to	to	PART
ejif-11201	173	9	contribute	contribute	VERB
ejif-11201	173	10	positively	positively	ADV
ejif-11201	173	11	to	to	ADP
ejif-11201	173	12	financial	financial	ADJ
ejif-11201	173	13	inclusion	inclusion	NOUN
ejif-11201	173	14	in	in	ADP
ejif-11201	173	15	countries	country	NOUN
ejif-11201	173	16	like	like	ADP
ejif-11201	173	17	indonesia	indonesia	PROPN
ejif-11201	173	18	(	(	PUNCT
ejif-11201	173	19	alhammadi	alhammadi	NOUN
ejif-11201	173	20	,	,	PUNCT
ejif-11201	173	21	2023	2023	NUM
ejif-11201	173	22	)	)	PUNCT
ejif-11201	173	23	.	.	PUNCT
ejif-11201	174	1	however	however	ADV
ejif-11201	174	2	,	,	PUNCT
ejif-11201	174	3	regional	regional	ADJ
ejif-11201	174	4	disparities	disparity	NOUN
ejif-11201	174	5	persist	persist	VERB
ejif-11201	174	6	.	.	PUNCT
ejif-11201	175	1	middle	middle	ADJ
ejif-11201	175	2	-	-	PUNCT
ejif-11201	175	3	income	income	NOUN
ejif-11201	175	4	mena	mena	PROPN
ejif-11201	175	5	countries	countries	PROPN
ejif-11201	175	6	experience	experience	VERB
ejif-11201	175	7	greater	great	ADJ
ejif-11201	175	8	financial	financial	ADJ
ejif-11201	175	9	inclusion	inclusion	NOUN
ejif-11201	175	10	benefits	benefit	NOUN
ejif-11201	175	11	from	from	ADP
ejif-11201	175	12	islamic	islamic	ADJ
ejif-11201	175	13	banking	banking	NOUN
ejif-11201	175	14	(	(	PUNCT
ejif-11201	175	15	khmous	khmous	PROPN
ejif-11201	175	16	et	et	PROPN
ejif-11201	175	17	al	al	PROPN
ejif-11201	175	18	.	.	PROPN
ejif-11201	175	19	,	,	PUNCT
ejif-11201	175	20	2020	2020	NUM
ejif-11201	175	21	)	)	PUNCT
ejif-11201	175	22	,	,	PUNCT
ejif-11201	175	23	while	while	SCONJ
ejif-11201	175	24	islamic	islamic	PROPN
ejif-11201	175	25	equity	equity	NOUN
ejif-11201	175	26	modes	mode	NOUN
ejif-11201	175	27	of	of	ADP
ejif-11201	175	28	financing	financing	NOUN
ejif-11201	175	29	face	face	NOUN
ejif-11201	175	30	challenges	challenge	NOUN
ejif-11201	175	31	due	due	ADJ
ejif-11201	175	32	to	to	ADP
ejif-11201	175	33	high	high	ADJ
ejif-11201	175	34	agency	agency	NOUN
ejif-11201	175	35	costs	cost	NOUN
ejif-11201	175	36	(	(	PUNCT
ejif-11201	175	37	shaikh	shaikh	ADJ
ejif-11201	175	38	,	,	PUNCT
ejif-11201	175	39	2017	2017	NUM
ejif-11201	175	40	)	)	PUNCT
ejif-11201	175	41	.	.	PUNCT
ejif-11201	176	1	furthermore	furthermore	ADV
ejif-11201	176	2	,	,	PUNCT
ejif-11201	176	3	insurance	insurance	NOUN
ejif-11201	176	4	access	access	NOUN
ejif-11201	176	5	and	and	CCONJ
ejif-11201	176	6	savings	saving	NOUN
ejif-11201	176	7	penetration	penetration	NOUN
ejif-11201	176	8	remain	remain	VERB
ejif-11201	176	9	poor	poor	ADJ
ejif-11201	176	10	in	in	ADP
ejif-11201	176	11	islamic	islamic	PROPN
ejif-11201	176	12	mena	mena	PROPN
ejif-11201	176	13	countries	countries	PROPN
ejif-11201	176	14	(	(	PUNCT
ejif-11201	176	15	ramaian	ramaian	PROPN
ejif-11201	176	16	et	et	PROPN
ejif-11201	176	17	al	al	PROPN
ejif-11201	176	18	.	.	PROPN
ejif-11201	176	19	,	,	PUNCT
ejif-11201	176	20	2023	2023	NUM
ejif-11201	176	21	)	)	PUNCT
ejif-11201	176	22	.	.	PUNCT
ejif-11201	177	1	to	to	PART
ejif-11201	177	2	optimize	optimize	VERB
ejif-11201	177	3	the	the	DET
ejif-11201	177	4	potential	potential	NOUN
ejif-11201	177	5	of	of	ADP
ejif-11201	177	6	islamic	islamic	ADJ
ejif-11201	177	7	banking	banking	NOUN
ejif-11201	177	8	for	for	ADP
ejif-11201	177	9	financial	financial	ADJ
ejif-11201	177	10	inclusion	inclusion	NOUN
ejif-11201	177	11	,	,	PUNCT
ejif-11201	177	12	policymakers	policymaker	NOUN
ejif-11201	177	13	and	and	CCONJ
ejif-11201	177	14	practitioners	practitioner	NOUN
ejif-11201	177	15	must	must	AUX
ejif-11201	177	16	address	address	VERB
ejif-11201	177	17	these	these	DET
ejif-11201	177	18	challenges	challenge	NOUN
ejif-11201	177	19	.	.	PUNCT
ejif-11201	178	1	restructuring	restructure	VERB
ejif-11201	178	2	islamic	islamic	PROPN
ejif-11201	178	3	equity	equity	NOUN
ejif-11201	178	4	modes	mode	NOUN
ejif-11201	178	5	of	of	ADP
ejif-11201	178	6	financing	financing	NOUN
ejif-11201	178	7	to	to	PART
ejif-11201	178	8	mitigate	mitigate	VERB
ejif-11201	178	9	agency	agency	NOUN
ejif-11201	178	10	costs	cost	NOUN
ejif-11201	178	11	and	and	CCONJ
ejif-11201	178	12	exploring	explore	VERB
ejif-11201	178	13	strategies	strategy	NOUN
ejif-11201	178	14	to	to	PART
ejif-11201	178	15	improve	improve	VERB
ejif-11201	178	16	insurance	insurance	NOUN
ejif-11201	178	17	access	access	NOUN
ejif-11201	178	18	and	and	CCONJ
ejif-11201	178	19	savings	saving	NOUN
ejif-11201	178	20	penetration	penetration	NOUN
ejif-11201	178	21	in	in	ADP
ejif-11201	178	22	islamic	islamic	PROPN
ejif-11201	178	23	mena	mena	PROPN
ejif-11201	178	24	countries	country	NOUN
ejif-11201	178	25	are	be	AUX
ejif-11201	178	26	crucial	crucial	ADJ
ejif-11201	178	27	.	.	PUNCT
ejif-11201	179	1	governments	government	NOUN
ejif-11201	179	2	can	can	AUX
ejif-11201	179	3	also	also	ADV
ejif-11201	179	4	play	play	VERB
ejif-11201	179	5	a	a	DET
ejif-11201	179	6	vital	vital	ADJ
ejif-11201	179	7	role	role	NOUN
ejif-11201	179	8	in	in	ADP
ejif-11201	179	9	promoting	promote	VERB
ejif-11201	179	10	islamic	islamic	ADJ
ejif-11201	179	11	fintech	fintech	NOUN
ejif-11201	179	12	and	and	CCONJ
ejif-11201	179	13	addressing	address	VERB
ejif-11201	179	14	regional	regional	ADJ
ejif-11201	179	15	disparities	disparity	NOUN
ejif-11201	179	16	.	.	PUNCT
ejif-11201	180	1	in	in	ADP
ejif-11201	180	2	conclusion	conclusion	NOUN
ejif-11201	180	3	,	,	PUNCT
ejif-11201	180	4	the	the	DET
ejif-11201	180	5	evidence	evidence	NOUN
ejif-11201	180	6	suggests	suggest	VERB
ejif-11201	180	7	that	that	SCONJ
ejif-11201	180	8	islamic	islamic	ADJ
ejif-11201	180	9	banking	banking	NOUN
ejif-11201	180	10	has	have	VERB
ejif-11201	180	11	a	a	DET
ejif-11201	180	12	significant	significant	ADJ
ejif-11201	180	13	impact	impact	NOUN
ejif-11201	180	14	on	on	ADP
ejif-11201	180	15	financial	financial	ADJ
ejif-11201	180	16	inclusion	inclusion	NOUN
ejif-11201	180	17	.	.	PUNCT
ejif-11201	181	1	by	by	ADP
ejif-11201	181	2	leveraging	leverage	VERB
ejif-11201	181	3	islamic	islamic	ADJ
ejif-11201	181	4	fintech	fintech	NOUN
ejif-11201	181	5	,	,	PUNCT
ejif-11201	181	6	takaful	takaful	ADJ
ejif-11201	181	7	insurance	insurance	NOUN
ejif-11201	181	8	,	,	PUNCT
ejif-11201	181	9	and	and	CCONJ
ejif-11201	181	10	addressing	address	VERB
ejif-11201	181	11	regional	regional	ADJ
ejif-11201	181	12	disparities	disparity	NOUN
ejif-11201	181	13	,	,	PUNCT
ejif-11201	181	14	islamic	islamic	ADJ
ejif-11201	181	15	banking	banking	NOUN
ejif-11201	181	16	can	can	AUX
ejif-11201	181	17	further	far	ADV
ejif-11201	181	18	enhance	enhance	VERB
ejif-11201	181	19	financial	financial	ADJ
ejif-11201	181	20	inclusion	inclusion	NOUN
ejif-11201	181	21	,	,	PUNCT
ejif-11201	181	22	particularly	particularly	ADV
ejif-11201	181	23	for	for	ADP
ejif-11201	181	24	low	low	ADJ
ejif-11201	181	25	-	-	PUNCT
ejif-11201	181	26	income	income	NOUN
ejif-11201	181	27	individuals	individual	NOUN
ejif-11201	181	28	and	and	CCONJ
ejif-11201	181	29	muslims	muslims	PROPN
ejif-11201	181	30	.	.	PUNCT
ejif-11201	182	1	european	european	PROPN
ejif-11201	182	2	journal	journal	PROPN
ejif-11201	182	3	of	of	ADP
ejif-11201	182	4	islamic	islamic	PROPN
ejif-11201	182	5	finance	finance	PROPN
ejif-11201	182	6	issn	issn	PROPN
ejif-11201	182	7	:	:	PUNCT
ejif-11201	182	8	2421	2421	NUM
ejif-11201	182	9	-	-	SYM
ejif-11201	182	10	2172	2172	NUM
ejif-11201	182	11	doi	doi	NOUN
ejif-11201	182	12	:	:	PUNCT
ejif-11201	182	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	182	14	-	-	SYM
ejif-11201	182	15	2172/11201	2172/11201	NUM
ejif-11201	182	16	published	publish	VERB
ejif-11201	182	17	by	by	ADP
ejif-11201	182	18	university	university	PROPN
ejif-11201	182	19	of	of	ADP
ejif-11201	182	20	turin	turin	PROPN
ejif-11201	183	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	183	2	ejif	ejif	PROPN
ejif-11201	183	3	content	content	NOUN
ejif-11201	183	4	is	be	AUX
ejif-11201	183	5	licensed	license	VERB
ejif-11201	183	6	under	under	ADP
ejif-11201	183	7	a	a	DET
ejif-11201	183	8	creative	creative	ADJ
ejif-11201	183	9	commons	common	NOUN
ejif-11201	183	10	attribution	attribution	NOUN
ejif-11201	183	11	4.0	4.0	NUM
ejif-11201	183	12	international	international	ADJ
ejif-11201	183	13	license	license	NOUN
ejif-11201	183	14	80	80	NUM
ejif-11201	183	15	table	table	NOUN
ejif-11201	183	16	2	2	NUM
ejif-11201	183	17	.	.	PUNCT
ejif-11201	184	1	summary	summary	NOUN
ejif-11201	184	2	of	of	ADP
ejif-11201	184	3	literature	literature	NOUN
ejif-11201	184	4	review	review	PROPN
ejif-11201	184	5	research	research	NOUN
ejif-11201	184	6	findings	finding	NOUN
ejif-11201	184	7	author	author	NOUN
ejif-11201	184	8	(	(	PUNCT
ejif-11201	184	9	s	s	NOUN
ejif-11201	184	10	)	)	PUNCT
ejif-11201	184	11	paper	paper	NOUN
ejif-11201	184	12	title	title	NOUN
ejif-11201	184	13	year	year	NOUN
ejif-11201	184	14	citations	citation	NOUN
ejif-11201	184	15	findings	finding	VERB
ejif-11201	184	16	warsame	warsame	VERB
ejif-11201	184	17	,	,	PUNCT
ejif-11201	184	18	m	m	VERB
ejif-11201	184	19	the	the	DET
ejif-11201	184	20	role	role	NOUN
ejif-11201	184	21	of	of	ADP
ejif-11201	184	22	islamic	islamic	ADJ
ejif-11201	184	23	finance	finance	NOUN
ejif-11201	184	24	in	in	ADP
ejif-11201	184	25	enhancing	enhance	VERB
ejif-11201	184	26	the	the	DET
ejif-11201	184	27	economic	economic	ADJ
ejif-11201	184	28	prospects	prospect	NOUN
ejif-11201	184	29	of	of	ADP
ejif-11201	184	30	kenyan	kenyan	ADJ
ejif-11201	184	31	muslims	muslim	NOUN
ejif-11201	184	32	:	:	PUNCT
ejif-11201	184	33	an	an	DET
ejif-11201	184	34	empirical	empirical	ADJ
ejif-11201	184	35	study	study	NOUN
ejif-11201	184	36	on	on	ADP
ejif-11201	184	37	kenyan	kenyan	ADJ
ejif-11201	184	38	islamic	islamic	ADJ
ejif-11201	184	39	banking	banking	NOUN
ejif-11201	184	40	sector	sector	NOUN
ejif-11201	184	41	2015	2015	NUM
ejif-11201	184	42	01	01	NUM
ejif-11201	185	1	the	the	DET
ejif-11201	185	2	study	study	NOUN
ejif-11201	185	3	revealed	reveal	VERB
ejif-11201	185	4	that	that	SCONJ
ejif-11201	185	5	there	there	PRON
ejif-11201	185	6	is	be	VERB
ejif-11201	185	7	both	both	DET
ejif-11201	185	8	migration	migration	NOUN
ejif-11201	185	9	from	from	ADP
ejif-11201	185	10	conventional	conventional	ADJ
ejif-11201	185	11	banks	bank	NOUN
ejif-11201	185	12	to	to	ADP
ejif-11201	185	13	islamic	islamic	ADJ
ejif-11201	185	14	banks	bank	NOUN
ejif-11201	185	15	as	as	ADV
ejif-11201	185	16	well	well	ADV
ejif-11201	185	17	as	as	ADP
ejif-11201	185	18	financial	financial	ADJ
ejif-11201	185	19	inclusion	inclusion	NOUN
ejif-11201	185	20	of	of	ADP
ejif-11201	185	21	new	new	ADJ
ejif-11201	185	22	clients	client	NOUN
ejif-11201	185	23	because	because	SCONJ
ejif-11201	185	24	of	of	ADP
ejif-11201	185	25	the	the	DET
ejif-11201	185	26	introduction	introduction	NOUN
ejif-11201	185	27	of	of	ADP
ejif-11201	185	28	islamic	islamic	ADJ
ejif-11201	185	29	banking	banking	NOUN
ejif-11201	185	30	sector	sector	NOUN
ejif-11201	185	31	saiti	saiti	PROPN
ejif-11201	185	32	b.	b.	PROPN
ejif-11201	185	33	;	;	PUNCT
ejif-11201	185	34	ardo	ardo	PROPN
ejif-11201	185	35	a.a	a.a	PROPN
ejif-11201	185	36	.	.	PROPN
ejif-11201	185	37	;	;	PUNCT
ejif-11201	185	38	yumusak	yumusak	PROPN
ejif-11201	185	39	i.g	i.g	PROPN
ejif-11201	185	40	.	.	PROPN
ejif-11201	186	1	why	why	SCONJ
ejif-11201	186	2	muslims	muslims	PROPN
ejif-11201	186	3	subscribe	subscribe	VERB
ejif-11201	186	4	to	to	ADP
ejif-11201	186	5	islamic	islamic	ADJ
ejif-11201	186	6	banking	banking	NOUN
ejif-11201	186	7	?	?	PUNCT
ejif-11201	187	1	2022	2022	NUM
ejif-11201	187	2	13	13	NUM
ejif-11201	187	3	muslims	muslim	NOUN
ejif-11201	187	4	'	'	PART
ejif-11201	187	5	perception	perception	NOUN
ejif-11201	187	6	towards	towards	ADP
ejif-11201	187	7	islamic	islamic	ADJ
ejif-11201	187	8	banks	bank	NOUN
ejif-11201	187	9	is	be	AUX
ejif-11201	187	10	highly	highly	ADV
ejif-11201	187	11	positive	positive	ADJ
ejif-11201	187	12	and	and	CCONJ
ejif-11201	187	13	therefore	therefore	ADV
ejif-11201	187	14	open	open	ADJ
ejif-11201	187	15	accounts	account	NOUN
ejif-11201	187	16	with	with	ADP
ejif-11201	187	17	these	these	DET
ejif-11201	187	18	financial	financial	ADJ
ejif-11201	187	19	institutions	institution	NOUN
ejif-11201	187	20	khmous	khmous	PROPN
ejif-11201	187	21	d.f	d.f	PROPN
ejif-11201	187	22	.	.	PROPN
ejif-11201	187	23	;	;	PUNCT
ejif-11201	187	24	besim	besim	PROPN
ejif-11201	187	25	m	m	PROPN
ejif-11201	187	26	impact	impact	NOUN
ejif-11201	187	27	of	of	ADP
ejif-11201	187	28	islamic	islamic	ADJ
ejif-11201	187	29	banking	banking	NOUN
ejif-11201	187	30	share	share	NOUN
ejif-11201	187	31	on	on	ADP
ejif-11201	187	32	financial	financial	ADJ
ejif-11201	187	33	inclusion	inclusion	NOUN
ejif-11201	187	34	:	:	PUNCT
ejif-11201	187	35	evidence	evidence	NOUN
ejif-11201	187	36	from	from	ADP
ejif-11201	187	37	mena	mena	PROPN
ejif-11201	187	38	2020	2020	NUM
ejif-11201	187	39	11	11	NUM
ejif-11201	187	40	the	the	DET
ejif-11201	187	41	effect	effect	NOUN
ejif-11201	187	42	of	of	ADP
ejif-11201	187	43	islamic	islamic	ADJ
ejif-11201	187	44	banking	banking	NOUN
ejif-11201	187	45	on	on	ADP
ejif-11201	187	46	financial	financial	ADJ
ejif-11201	187	47	inclusion	inclusion	NOUN
ejif-11201	187	48	is	be	AUX
ejif-11201	187	49	found	find	VERB
ejif-11201	187	50	to	to	PART
ejif-11201	187	51	be	be	AUX
ejif-11201	187	52	greater	great	ADJ
ejif-11201	187	53	in	in	ADP
ejif-11201	187	54	middle	middle	ADJ
ejif-11201	187	55	-	-	PUNCT
ejif-11201	187	56	income	income	NOUN
ejif-11201	187	57	mena	mena	PROPN
ejif-11201	187	58	countries	countries	PROPN
ejif-11201	187	59	shaikh	shaikh	PROPN
ejif-11201	187	60	s.a	s.a	PROPN
ejif-11201	187	61	.	.	PROPN
ejif-11201	187	62	poverty	poverty	PROPN
ejif-11201	187	63	alleviation	alleviation	NOUN
ejif-11201	187	64	through	through	ADP
ejif-11201	187	65	financing	financing	NOUN
ejif-11201	187	66	microenterprises	microenterprise	NOUN
ejif-11201	187	67	with	with	ADP
ejif-11201	187	68	equity	equity	NOUN
ejif-11201	187	69	finance	finance	NOUN
ejif-11201	187	70	2017	2017	NUM
ejif-11201	187	71	10	10	NUM
ejif-11201	187	72	islamic	islamic	PROPN
ejif-11201	187	73	equity	equity	NOUN
ejif-11201	187	74	modes	mode	NOUN
ejif-11201	187	75	of	of	ADP
ejif-11201	187	76	financing	financing	NOUN
ejif-11201	187	77	in	in	ADP
ejif-11201	187	78	their	their	PRON
ejif-11201	187	79	current	current	ADJ
ejif-11201	187	80	baseline	baseline	NOUN
ejif-11201	187	81	structure	structure	NOUN
ejif-11201	187	82	suffer	suffer	VERB
ejif-11201	187	83	from	from	ADP
ejif-11201	187	84	high	high	ADJ
ejif-11201	187	85	agency	agency	NOUN
ejif-11201	187	86	costs	cost	NOUN
ejif-11201	187	87	and	and	CCONJ
ejif-11201	187	88	therefore	therefore	ADV
ejif-11201	187	89	little	little	ADJ
ejif-11201	187	90	impact	impact	NOUN
ejif-11201	187	91	in	in	ADP
ejif-11201	187	92	fostering	foster	VERB
ejif-11201	187	93	financial	financial	ADJ
ejif-11201	187	94	inclusion	inclusion	NOUN
ejif-11201	187	95	alhammadi	alhammadi	NOUN
ejif-11201	187	96	s.	s.	PROPN
ejif-11201	187	97	expanding	expand	VERB
ejif-11201	187	98	financial	financial	ADJ
ejif-11201	187	99	inclusion	inclusion	NOUN
ejif-11201	187	100	in	in	ADP
ejif-11201	187	101	indonesia	indonesia	PROPN
ejif-11201	187	102	through	through	ADP
ejif-11201	187	103	takaful	takaful	ADJ
ejif-11201	187	104	:	:	PUNCT
ejif-11201	187	105	opportunities	opportunity	NOUN
ejif-11201	187	106	,	,	PUNCT
ejif-11201	187	107	challenges	challenge	NOUN
ejif-11201	187	108	and	and	CCONJ
ejif-11201	187	109	sustainability	sustainability	NOUN
ejif-11201	187	110	2023	2023	NUM
ejif-11201	187	111	01	01	NUM
ejif-11201	187	112	results	result	NOUN
ejif-11201	187	113	revealed	reveal	VERB
ejif-11201	187	114	a	a	DET
ejif-11201	187	115	positive	positive	ADJ
ejif-11201	187	116	impact	impact	NOUN
ejif-11201	187	117	of	of	ADP
ejif-11201	187	118	takaful	takaful	ADJ
ejif-11201	187	119	insurance	insurance	NOUN
ejif-11201	187	120	and	and	CCONJ
ejif-11201	187	121	financial	financial	ADJ
ejif-11201	187	122	inclusion	inclusion	NOUN
ejif-11201	187	123	in	in	ADP
ejif-11201	187	124	indonesia	indonesia	PROPN
ejif-11201	187	125	kamalu	kamalu	PROPN
ejif-11201	187	126	k.	k.	PROPN
ejif-11201	187	127	;	;	PUNCT
ejif-11201	187	128	ibrahim	ibrahim	PROPN
ejif-11201	187	129	w.h.b.w	w.h.b.w	PROPN
ejif-11201	187	130	islamic	islamic	ADJ
ejif-11201	187	131	banking	banking	NOUN
ejif-11201	187	132	development	development	NOUN
ejif-11201	187	133	and	and	CCONJ
ejif-11201	187	134	financial	financial	ADJ
ejif-11201	187	135	inclusion	inclusion	NOUN
ejif-11201	187	136	in	in	ADP
ejif-11201	187	137	oic	oic	PROPN
ejif-11201	187	138	member	member	NOUN
ejif-11201	187	139	countries	country	NOUN
ejif-11201	187	140	:	:	PUNCT
ejif-11201	187	141	the	the	DET
ejif-11201	187	142	moderating	moderate	VERB
ejif-11201	187	143	role	role	NOUN
ejif-11201	187	144	of	of	ADP
ejif-11201	187	145	institutions	institution	NOUN
ejif-11201	187	146	2021	2021	NUM
ejif-11201	187	147	03	03	NUM
ejif-11201	187	148	data	datum	NOUN
ejif-11201	187	149	from	from	ADP
ejif-11201	187	150	30	30	NUM
ejif-11201	187	151	organisation	organisation	NOUN
ejif-11201	187	152	of	of	ADP
ejif-11201	187	153	islamic	islamic	ADJ
ejif-11201	187	154	cooperation	cooperation	NOUN
ejif-11201	187	155	(	(	PUNCT
ejif-11201	187	156	oic	oic	PROPN
ejif-11201	187	157	)	)	PUNCT
ejif-11201	187	158	member	member	NOUN
ejif-11201	187	159	countries	country	NOUN
ejif-11201	187	160	over	over	ADP
ejif-11201	187	161	the	the	DET
ejif-11201	187	162	period	period	NOUN
ejif-11201	187	163	2013	2013	NUM
ejif-11201	187	164	-	-	SYM
ejif-11201	187	165	2018	2018	NUM
ejif-11201	187	166	suggests	suggest	VERB
ejif-11201	187	167	that	that	SCONJ
ejif-11201	187	168	islamic	islamic	ADJ
ejif-11201	187	169	banking	banking	NOUN
ejif-11201	187	170	promotes	promote	VERB
ejif-11201	187	171	financial	financial	ADJ
ejif-11201	187	172	inclusion	inclusion	NOUN
ejif-11201	187	173	jan	jan	PROPN
ejif-11201	187	174	s.	s.	PROPN
ejif-11201	187	175	;	;	PUNCT
ejif-11201	188	1	khan	khan	PROPN
ejif-11201	188	2	z	z	PROPN
ejif-11201	188	3	;	;	PUNCT
ejif-11201	188	4	karimullah	karimullah	ADJ
ejif-11201	188	5	institutionalizing	institutionalize	VERB
ejif-11201	188	6	justice	justice	NOUN
ejif-11201	188	7	in	in	ADP
ejif-11201	188	8	islamic	islamic	ADJ
ejif-11201	188	9	finance	finance	PROPN
ejif-11201	188	10	2018	2018	NUM
ejif-11201	188	11	08	08	NUM
ejif-11201	188	12	development	development	NOUN
ejif-11201	188	13	of	of	ADP
ejif-11201	188	14	islamic	islamic	ADJ
ejif-11201	188	15	banking	banking	NOUN
ejif-11201	188	16	institutions	institution	NOUN
ejif-11201	188	17	contribute	contribute	VERB
ejif-11201	188	18	to	to	ADP
ejif-11201	188	19	financial	financial	ADJ
ejif-11201	188	20	inclusion	inclusion	NOUN
ejif-11201	188	21	tajudin	tajudin	NOUN
ejif-11201	188	22	m.	m.	NOUN
ejif-11201	188	23	;	;	PUNCT
ejif-11201	188	24	omar	omar	PROPN
ejif-11201	188	25	r.	r.	PROPN
ejif-11201	188	26	;	;	PUNCT
ejif-11201	188	27	smedlund	smedlund	PROPN
ejif-11201	188	28	a.	a.	NOUN
ejif-11201	188	29	;	;	PUNCT
ejif-11201	188	30	aziz	aziz	PROPN
ejif-11201	188	31	r.p	r.p	PROPN
ejif-11201	188	32	.	.	PUNCT
ejif-11201	189	1	financing	finance	VERB
ejif-11201	189	2	with	with	ADP
ejif-11201	189	3	heart	heart	NOUN
ejif-11201	189	4	and	and	CCONJ
ejif-11201	189	5	intelligence	intelligence	NOUN
ejif-11201	189	6	:	:	PUNCT
ejif-11201	189	7	augmenting	augment	VERB
ejif-11201	189	8	intimacy	intimacy	NOUN
ejif-11201	189	9	and	and	CCONJ
ejif-11201	189	10	sustainability	sustainability	NOUN
ejif-11201	189	11	through	through	ADP
ejif-11201	189	12	islamic	islamic	ADJ
ejif-11201	189	13	fintech	fintech	NOUN
ejif-11201	189	14	2020	2020	NUM
ejif-11201	189	15	08	08	NUM
ejif-11201	189	16	islamic	islamic	ADJ
ejif-11201	189	17	fintech	fintech	NOUN
ejif-11201	189	18	offers	offer	VERB
ejif-11201	189	19	an	an	DET
ejif-11201	189	20	effective	effective	ADJ
ejif-11201	189	21	and	and	CCONJ
ejif-11201	189	22	efficient	efficient	ADJ
ejif-11201	189	23	alternative	alternative	NOUN
ejif-11201	189	24	to	to	ADP
ejif-11201	189	25	financing	finance	VERB
ejif-11201	189	26	the	the	DET
ejif-11201	189	27	underserved	underserved	ADJ
ejif-11201	189	28	individuals	individual	NOUN
ejif-11201	189	29	and	and	CCONJ
ejif-11201	189	30	enhance	enhance	VERB
ejif-11201	189	31	financial	financial	ADJ
ejif-11201	189	32	inclusion	inclusion	NOUN
ejif-11201	189	33	siddiqui	siddiqui	PROPN
ejif-11201	189	34	t.a	t.a	PROPN
ejif-11201	189	35	.	.	PROPN
ejif-11201	189	36	;	;	PUNCT
ejif-11201	189	37	naushad	naushad	VERB
ejif-11201	189	38	m.	m.	NOUN
ejif-11201	189	39	;	;	PUNCT
ejif-11201	189	40	farooque	farooque	NOUN
ejif-11201	189	41	m.k.u	m.k.u	NOUN
ejif-11201	189	42	.	.	PUNCT
ejif-11201	190	1	a	a	DET
ejif-11201	190	2	study	study	NOUN
ejif-11201	190	3	on	on	ADP
ejif-11201	190	4	islamic	islamic	ADJ
ejif-11201	190	5	finance	finance	NOUN
ejif-11201	190	6	as	as	ADP
ejif-11201	190	7	an	an	DET
ejif-11201	190	8	approach	approach	NOUN
ejif-11201	190	9	for	for	ADP
ejif-11201	190	10	financial	financial	ADJ
ejif-11201	190	11	inclusion	inclusion	NOUN
ejif-11201	190	12	in	in	ADP
ejif-11201	190	13	india	india	PROPN
ejif-11201	190	14	2021	2021	NUM
ejif-11201	190	15	02	02	NUM
ejif-11201	190	16	islamic	islamic	ADJ
ejif-11201	190	17	finance	finance	NOUN
ejif-11201	190	18	system	system	NOUN
ejif-11201	190	19	was	be	AUX
ejif-11201	190	20	chosen	choose	VERB
ejif-11201	190	21	by	by	ADP
ejif-11201	190	22	those	those	PRON
ejif-11201	190	23	,	,	PUNCT
ejif-11201	190	24	particularly	particularly	ADV
ejif-11201	190	25	muslims	muslim	NOUN
ejif-11201	190	26	,	,	PUNCT
ejif-11201	190	27	who	who	PRON
ejif-11201	190	28	did	do	AUX
ejif-11201	190	29	not	not	PART
ejif-11201	190	30	have	have	VERB
ejif-11201	190	31	good	good	ADJ
ejif-11201	190	32	employment	employment	NOUN
ejif-11201	190	33	and	and	CCONJ
ejif-11201	190	34	sufficient	sufficient	ADJ
ejif-11201	190	35	income	income	NOUN
ejif-11201	190	36	and	and	CCONJ
ejif-11201	190	37	therefore	therefore	ADV
ejif-11201	190	38	promotes	promote	VERB
ejif-11201	190	39	financial	financial	ADJ
ejif-11201	190	40	inclusion	inclusion	NOUN
ejif-11201	190	41	of	of	ADP
ejif-11201	190	42	the	the	DET
ejif-11201	190	43	poor	poor	ADJ
ejif-11201	190	44	ramaian	ramaian	ADJ
ejif-11201	190	45	vasantha	vasantha	NOUN
ejif-11201	190	46	n.	n.	NOUN
ejif-11201	190	47	;	;	PUNCT
ejif-11201	191	1	liew	liew	PROPN
ejif-11201	191	2	c.y	c.y	PROPN
ejif-11201	191	3	.	.	PROPN
ejif-11201	191	4	;	;	PUNCT
ejif-11201	191	5	kijkasiwat	kijkasiwat	PROPN
ejif-11201	191	6	p.	p.	PROPN
ejif-11201	191	7	exploring	explore	VERB
ejif-11201	191	8	financial	financial	ADJ
ejif-11201	191	9	inclusion	inclusion	NOUN
ejif-11201	191	10	in	in	ADP
ejif-11201	191	11	mena	mena	PROPN
ejif-11201	191	12	countries	countries	PROPN
ejif-11201	191	13	:	:	PUNCT
ejif-11201	191	14	an	an	DET
ejif-11201	191	15	entropy	entropy	NOUN
ejif-11201	191	16	weight	weight	NOUN
ejif-11201	191	17	approach	approach	NOUN
ejif-11201	191	18	2023	2023	NUM
ejif-11201	191	19	0	0	NUM
ejif-11201	191	20	financial	financial	ADJ
ejif-11201	191	21	inclusion	inclusion	NOUN
ejif-11201	191	22	has	have	AUX
ejif-11201	191	23	improved	improve	VERB
ejif-11201	191	24	in	in	ADP
ejif-11201	191	25	middle	middle	PROPN
ejif-11201	191	26	east	east	PROPN
ejif-11201	191	27	/	/	SYM
ejif-11201	191	28	north	north	PROPN
ejif-11201	191	29	africa	africa	PROPN
ejif-11201	191	30	countries	country	NOUN
ejif-11201	191	31	.	.	PUNCT
ejif-11201	192	1	however	however	ADV
ejif-11201	192	2	,	,	PUNCT
ejif-11201	192	3	insurance	insurance	NOUN
ejif-11201	192	4	access	access	NOUN
ejif-11201	192	5	and	and	CCONJ
ejif-11201	192	6	penetration	penetration	NOUN
ejif-11201	192	7	savings	saving	NOUN
ejif-11201	192	8	were	be	AUX
ejif-11201	192	9	poor	poor	ADJ
ejif-11201	192	10	in	in	ADP
ejif-11201	192	11	the	the	DET
ejif-11201	192	12	islamic	islamic	PROPN
ejif-11201	192	13	mena	mena	PROPN
ejif-11201	192	14	countries	countries	PROPN
ejif-11201	192	15	ali	ali	PROPN
ejif-11201	192	16	m.m	m.m	PROPN
ejif-11201	192	17	.	.	PROPN
ejif-11201	192	18	;	;	PUNCT
ejif-11201	192	19	devi	devi	PROPN
ejif-11201	192	20	a.	a.	PROPN
ejif-11201	192	21	;	;	PUNCT
ejif-11201	192	22	furqani	furqani	PROPN
ejif-11201	192	23	h.	h.	PROPN
ejif-11201	192	24	;	;	PUNCT
ejif-11201	192	25	hamzah	hamzah	PROPN
ejif-11201	192	26	h.	h.	PROPN
ejif-11201	192	27	islamic	islamic	PROPN
ejif-11201	192	28	financial	financial	PROPN
ejif-11201	192	29	inclusion	inclusion	NOUN
ejif-11201	192	30	determinants	determinant	NOUN
ejif-11201	192	31	in	in	ADP
ejif-11201	192	32	indonesia	indonesia	PROPN
ejif-11201	192	33	:	:	PUNCT
ejif-11201	192	34	an	an	DET
ejif-11201	192	35	anp	anp	PROPN
ejif-11201	192	36	approach	approach	NOUN
ejif-11201	192	37	2020	2020	NUM
ejif-11201	192	38	27	27	NUM
ejif-11201	192	39	islamic	islamic	ADJ
ejif-11201	192	40	finance	finance	NOUN
ejif-11201	192	41	and	and	CCONJ
ejif-11201	192	42	banking	banking	NOUN
ejif-11201	192	43	in	in	ADP
ejif-11201	192	44	indonesia	indonesia	PROPN
ejif-11201	192	45	is	be	AUX
ejif-11201	192	46	promoting	promote	VERB
ejif-11201	192	47	financial	financial	ADJ
ejif-11201	192	48	inclusion	inclusion	NOUN
ejif-11201	192	49	and	and	CCONJ
ejif-11201	192	50	is	be	AUX
ejif-11201	192	51	influenced	influence	VERB
ejif-11201	192	52	by	by	ADP
ejif-11201	192	53	two	two	NUM
ejif-11201	192	54	main	main	ADJ
ejif-11201	192	55	drivers	driver	NOUN
ejif-11201	192	56	:	:	PUNCT
ejif-11201	192	57	the	the	DET
ejif-11201	192	58	supply	supply	NOUN
ejif-11201	192	59	and	and	CCONJ
ejif-11201	192	60	the	the	DET
ejif-11201	192	61	demand	demand	NOUN
ejif-11201	192	62	of	of	ADP
ejif-11201	192	63	islamic	islamic	ADJ
ejif-11201	192	64	financial	financial	PROPN
ejif-11201	192	65	services	services	PROPN
ejif-11201	192	66	karlan	karlan	PROPN
ejif-11201	192	67	d.	d.	PROPN
ejif-11201	192	68	;	;	PUNCT
ejif-11201	192	69	osman	osman	PROPN
ejif-11201	192	70	a.	a.	PROPN
ejif-11201	192	71	;	;	PUNCT
ejif-11201	192	72	shammout	shammout	PROPN
ejif-11201	192	73	n.	n.	NOUN
ejif-11201	192	74	increasing	increase	VERB
ejif-11201	192	75	financial	financial	ADJ
ejif-11201	192	76	inclusion	inclusion	NOUN
ejif-11201	192	77	in	in	ADP
ejif-11201	192	78	the	the	DET
ejif-11201	192	79	muslim	muslim	ADJ
ejif-11201	192	80	world	world	NOUN
ejif-11201	192	81	:	:	PUNCT
ejif-11201	192	82	evidence	evidence	NOUN
ejif-11201	192	83	from	from	ADP
ejif-11201	192	84	an	an	DET
ejif-11201	192	85	islamic	islamic	ADJ
ejif-11201	192	86	finance	finance	NOUN
ejif-11201	192	87	marketing	marketing	NOUN
ejif-11201	192	88	experiment	experiment	NOUN
ejif-11201	192	89	2021	2021	NUM
ejif-11201	192	90	03	03	NUM
ejif-11201	192	91	islamic	islamic	ADJ
ejif-11201	192	92	finance	finance	NOUN
ejif-11201	192	93	increased	increase	VERB
ejif-11201	192	94	the	the	DET
ejif-11201	192	95	application	application	NOUN
ejif-11201	192	96	rate	rate	NOUN
ejif-11201	192	97	for	for	ADP
ejif-11201	192	98	loans	loan	NOUN
ejif-11201	192	99	from	from	ADP
ejif-11201	192	100	18	18	NUM
ejif-11201	192	101	percent	percent	NOUN
ejif-11201	192	102	to	to	ADP
ejif-11201	192	103	22	22	NUM
ejif-11201	192	104	percent	percent	NOUN
ejif-11201	192	105	.	.	PUNCT
ejif-11201	193	1	european	european	PROPN
ejif-11201	193	2	journal	journal	PROPN
ejif-11201	193	3	of	of	ADP
ejif-11201	193	4	islamic	islamic	PROPN
ejif-11201	193	5	finance	finance	PROPN
ejif-11201	193	6	issn	issn	PROPN
ejif-11201	193	7	:	:	PUNCT
ejif-11201	193	8	2421	2421	NUM
ejif-11201	193	9	-	-	SYM
ejif-11201	193	10	2172	2172	NUM
ejif-11201	193	11	doi	doi	NOUN
ejif-11201	193	12	:	:	PUNCT
ejif-11201	193	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	193	14	-	-	SYM
ejif-11201	193	15	2172/11201	2172/11201	NUM
ejif-11201	193	16	published	publish	VERB
ejif-11201	193	17	by	by	ADP
ejif-11201	193	18	university	university	PROPN
ejif-11201	193	19	of	of	ADP
ejif-11201	193	20	turin	turin	PROPN
ejif-11201	194	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	194	2	ejif	ejif	PROPN
ejif-11201	194	3	content	content	NOUN
ejif-11201	194	4	is	be	AUX
ejif-11201	194	5	licensed	license	VERB
ejif-11201	194	6	under	under	ADP
ejif-11201	194	7	a	a	DET
ejif-11201	194	8	creative	creative	ADJ
ejif-11201	194	9	commons	common	NOUN
ejif-11201	194	10	attribution	attribution	NOUN
ejif-11201	194	11	4.0	4.0	NUM
ejif-11201	194	12	international	international	ADJ
ejif-11201	194	13	license	license	NOUN
ejif-11201	194	14	81	81	NUM
ejif-11201	194	15	zulkhibri	zulkhibri	NOUN
ejif-11201	194	16	m.	m.	NOUN
ejif-11201	194	17	financial	financial	ADJ
ejif-11201	194	18	inclusion	inclusion	NOUN
ejif-11201	194	19	,	,	PUNCT
ejif-11201	194	20	financial	financial	ADJ
ejif-11201	194	21	inclusion	inclusion	NOUN
ejif-11201	194	22	policy	policy	NOUN
ejif-11201	194	23	and	and	CCONJ
ejif-11201	194	24	islamic	islamic	ADJ
ejif-11201	194	25	finance	finance	NOUN
ejif-11201	194	26	2016	2016	NUM
ejif-11201	194	27	30	30	NUM
ejif-11201	194	28	most	most	ADV
ejif-11201	194	29	muslim	muslim	ADJ
ejif-11201	194	30	countries	country	NOUN
ejif-11201	194	31	lag	lag	VERB
ejif-11201	194	32	other	other	ADJ
ejif-11201	194	33	emerging	emerge	VERB
ejif-11201	194	34	economies	economy	NOUN
ejif-11201	194	35	in	in	ADP
ejif-11201	194	36	both	both	DET
ejif-11201	194	37	respects	respect	NOUN
ejif-11201	194	38	,	,	PUNCT
ejif-11201	194	39	with	with	ADP
ejif-11201	194	40	a	a	DET
ejif-11201	194	41	rate	rate	NOUN
ejif-11201	194	42	of	of	ADP
ejif-11201	194	43	financial	financial	ADJ
ejif-11201	194	44	inclusion	inclusion	NOUN
ejif-11201	194	45	of	of	ADP
ejif-11201	194	46	only	only	ADV
ejif-11201	194	47	27	27	NUM
ejif-11201	194	48	%	%	NOUN
ejif-11201	194	49	abdul	abdul	PROPN
ejif-11201	194	50	razak	razak	PROPN
ejif-11201	194	51	a.	a.	PROPN
ejif-11201	194	52	;	;	PUNCT
ejif-11201	194	53	asutay	asutay	VERB
ejif-11201	194	54	m.	m.	NOUN
ejif-11201	194	55	financial	financial	ADJ
ejif-11201	194	56	inclusion	inclusion	NOUN
ejif-11201	194	57	and	and	CCONJ
ejif-11201	194	58	economic	economic	ADJ
ejif-11201	194	59	well	well	ADV
ejif-11201	194	60	-	-	PUNCT
ejif-11201	194	61	being	being	NOUN
ejif-11201	194	62	:	:	PUNCT
ejif-11201	194	63	evidence	evidence	NOUN
ejif-11201	194	64	from	from	ADP
ejif-11201	194	65	islamic	islamic	ADJ
ejif-11201	194	66	pawnbroking	pawnbroking	NOUN
ejif-11201	194	67	(	(	PUNCT
ejif-11201	194	68	ar	ar	NOUN
ejif-11201	194	69	-	-	NOUN
ejif-11201	194	70	rahn	rahn	PROPN
ejif-11201	194	71	)	)	PUNCT
ejif-11201	194	72	in	in	ADP
ejif-11201	194	73	malaysia	malaysia	PROPN
ejif-11201	194	74	2022	2022	NUM
ejif-11201	194	75	12	12	NUM
ejif-11201	194	76	adoption	adoption	NOUN
ejif-11201	194	77	of	of	ADP
ejif-11201	194	78	bancatakāful	bancatakāful	ADJ
ejif-11201	194	79	partnerships	partnership	NOUN
ejif-11201	194	80	contributed	contribute	VERB
ejif-11201	194	81	to	to	ADP
ejif-11201	194	82	improving	improve	VERB
ejif-11201	194	83	the	the	DET
ejif-11201	194	84	indicators	indicator	NOUN
ejif-11201	194	85	of	of	ADP
ejif-11201	194	86	financial	financial	ADJ
ejif-11201	194	87	inclusion	inclusion	NOUN
ejif-11201	194	88	.	.	PUNCT
ejif-11201	195	1	tlemsani	tlemsani	PROPN
ejif-11201	195	2	et	et	PROPN
ejif-11201	195	3	al	al	PROPN
ejif-11201	195	4	digitalization	digitalization	NOUN
ejif-11201	195	5	and	and	CCONJ
ejif-11201	195	6	sustainable	sustainable	ADJ
ejif-11201	195	7	development	development	NOUN
ejif-11201	195	8	goals	goal	NOUN
ejif-11201	195	9	in	in	ADP
ejif-11201	195	10	emerging	emerge	VERB
ejif-11201	195	11	islamic	islamic	ADJ
ejif-11201	195	12	economies	economy	NOUN
ejif-11201	195	13	2023	2023	NUM
ejif-11201	195	14	0	0	NUM
ejif-11201	195	15	islamic	islamic	ADJ
ejif-11201	195	16	digital	digital	PROPN
ejif-11201	195	17	finance	finance	NOUN
ejif-11201	195	18	has	have	VERB
ejif-11201	195	19	the	the	DET
ejif-11201	195	20	potential	potential	NOUN
ejif-11201	195	21	to	to	PART
ejif-11201	195	22	contribute	contribute	VERB
ejif-11201	195	23	significantly	significantly	ADV
ejif-11201	195	24	to	to	ADP
ejif-11201	195	25	achieving	achieve	VERB
ejif-11201	195	26	the	the	DET
ejif-11201	195	27	un	un	PROPN
ejif-11201	195	28	sdgs	sdgs	PROPN
ejif-11201	195	29	by	by	ADP
ejif-11201	195	30	promoting	promote	VERB
ejif-11201	195	31	financial	financial	ADJ
ejif-11201	195	32	inclusion	inclusion	NOUN
ejif-11201	195	33	hadji	hadji	PROPN
ejif-11201	195	34	latif	latif	PROPN
ejif-11201	195	35	s.d	s.d	PROPN
ejif-11201	195	36	.	.	PROPN
ejif-11201	195	37	knowledge	knowledge	NOUN
ejif-11201	195	38	and	and	CCONJ
ejif-11201	195	39	attitudes	attitude	NOUN
ejif-11201	195	40	towards	towards	ADP
ejif-11201	195	41	islamic	islamic	ADJ
ejif-11201	195	42	banking	banking	NOUN
ejif-11201	195	43	in	in	ADP
ejif-11201	195	44	the	the	DET
ejif-11201	195	45	philippines	philippine	NOUN
ejif-11201	195	46	2021	2021	NUM
ejif-11201	195	47	04	04	NUM
ejif-11201	195	48	attitudes	attitude	NOUN
ejif-11201	195	49	of	of	ADP
ejif-11201	195	50	the	the	DET
ejif-11201	195	51	muslim	muslim	ADJ
ejif-11201	195	52	society	society	NOUN
ejif-11201	195	53	toward	toward	ADP
ejif-11201	195	54	islamic	islamic	ADJ
ejif-11201	195	55	banking	banking	NOUN
ejif-11201	195	56	are	be	AUX
ejif-11201	195	57	favorable	favorable	ADJ
ejif-11201	195	58	and	and	CCONJ
ejif-11201	195	59	opportunities	opportunity	NOUN
ejif-11201	195	60	provided	provide	VERB
ejif-11201	195	61	encourage	encourage	NOUN
ejif-11201	195	62	exploitation	exploitation	NOUN
ejif-11201	195	63	of	of	ADP
ejif-11201	195	64	islamic	islamic	ADJ
ejif-11201	195	65	financial	financial	PROPN
ejif-11201	195	66	services	services	PROPN
ejif-11201	195	67	gherbi	gherbi	PROPN
ejif-11201	195	68	a.a	a.a	PROPN
ejif-11201	195	69	.	.	PROPN
ejif-11201	196	1	the	the	DET
ejif-11201	196	2	role	role	NOUN
ejif-11201	196	3	of	of	ADP
ejif-11201	196	4	bancatakāful	bancatakāful	ADJ
ejif-11201	196	5	in	in	ADP
ejif-11201	196	6	developing	develop	VERB
ejif-11201	196	7	and	and	CCONJ
ejif-11201	196	8	protecting	protect	VERB
ejif-11201	196	9	the	the	DET
ejif-11201	196	10	islamic	islamic	ADJ
ejif-11201	196	11	financial	financial	ADJ
ejif-11201	196	12	industry	industry	NOUN
ejif-11201	196	13	2020	2020	NUM
ejif-11201	196	14	0	0	NUM
ejif-11201	196	15	adoption	adoption	NOUN
ejif-11201	196	16	of	of	ADP
ejif-11201	196	17	bancatakāful	bancatakāful	ADJ
ejif-11201	196	18	partnerships	partnership	NOUN
ejif-11201	196	19	contributes	contribute	VERB
ejif-11201	196	20	to	to	ADP
ejif-11201	196	21	improving	improve	VERB
ejif-11201	196	22	the	the	DET
ejif-11201	196	23	indicators	indicator	NOUN
ejif-11201	196	24	of	of	ADP
ejif-11201	196	25	financial	financial	ADJ
ejif-11201	196	26	inclusion	inclusion	NOUN
ejif-11201	196	27	irimia	irimia	NOUN
ejif-11201	196	28	-	-	PUNCT
ejif-11201	196	29	diéguez	diéguez	NOUN
ejif-11201	196	30	et	et	PROPN
ejif-11201	196	31	al	al	PROPN
ejif-11201	196	32	predicting	predict	VERB
ejif-11201	196	33	the	the	DET
ejif-11201	196	34	intention	intention	NOUN
ejif-11201	196	35	to	to	PART
ejif-11201	196	36	use	use	VERB
ejif-11201	196	37	paytech	paytech	NOUN
ejif-11201	196	38	services	service	NOUN
ejif-11201	196	39	by	by	ADP
ejif-11201	196	40	islamic	islamic	ADJ
ejif-11201	196	41	banking	banking	NOUN
ejif-11201	196	42	users	user	NOUN
ejif-11201	196	43	2024	2024	NUM
ejif-11201	196	44	0	0	NUM
ejif-11201	196	45	paytech	paytech	NOUN
ejif-11201	196	46	digital	digital	ADJ
ejif-11201	196	47	payment	payment	NOUN
ejif-11201	196	48	services	service	NOUN
ejif-11201	196	49	allowed	allow	VERB
ejif-11201	196	50	access	access	NOUN
ejif-11201	196	51	to	to	ADP
ejif-11201	196	52	financial	financial	ADJ
ejif-11201	196	53	services	service	NOUN
ejif-11201	196	54	to	to	ADP
ejif-11201	196	55	the	the	DET
ejif-11201	196	56	entire	entire	ADJ
ejif-11201	196	57	muslim	muslim	ADJ
ejif-11201	196	58	population	population	NOUN
ejif-11201	196	59	regardless	regardless	ADV
ejif-11201	196	60	of	of	ADP
ejif-11201	196	61	their	their	PRON
ejif-11201	196	62	location	location	NOUN
ejif-11201	196	63	and	and	CCONJ
ejif-11201	196	64	perceived	perceive	VERB
ejif-11201	196	65	trust	trust	NOUN
ejif-11201	196	66	had	have	VERB
ejif-11201	196	67	a	a	DET
ejif-11201	196	68	highly	highly	ADV
ejif-11201	196	69	significant	significant	ADJ
ejif-11201	196	70	direct	direct	ADJ
ejif-11201	196	71	effect	effect	NOUN
ejif-11201	196	72	on	on	ADP
ejif-11201	196	73	the	the	DET
ejif-11201	196	74	intention	intention	NOUN
ejif-11201	196	75	to	to	PART
ejif-11201	196	76	use	use	VERB
ejif-11201	196	77	these	these	DET
ejif-11201	196	78	services	service	NOUN
ejif-11201	196	79	baber	baber	PROPN
ejif-11201	196	80	h.	h.	PROPN
ejif-11201	196	81	financial	financial	PROPN
ejif-11201	196	82	inclusion	inclusion	NOUN
ejif-11201	196	83	and	and	CCONJ
ejif-11201	196	84	fintech	fintech	NOUN
ejif-11201	196	85	:	:	PUNCT
ejif-11201	196	86	a	a	DET
ejif-11201	196	87	comparative	comparative	ADJ
ejif-11201	196	88	study	study	NOUN
ejif-11201	196	89	of	of	ADP
ejif-11201	196	90	countries	country	NOUN
ejif-11201	196	91	following	follow	VERB
ejif-11201	196	92	islamic	islamic	ADJ
ejif-11201	196	93	finance	finance	NOUN
ejif-11201	196	94	and	and	CCONJ
ejif-11201	196	95	conventional	conventional	ADJ
ejif-11201	196	96	finance	finance	NOUN
ejif-11201	196	97	2020	2020	NUM
ejif-11201	196	98	32	32	NUM
ejif-11201	196	99	islamic	islamic	ADJ
ejif-11201	196	100	finance	finance	NOUN
ejif-11201	196	101	countries	country	NOUN
ejif-11201	196	102	are	be	AUX
ejif-11201	196	103	more	more	ADV
ejif-11201	196	104	inclusive	inclusive	ADJ
ejif-11201	196	105	in	in	ADP
ejif-11201	196	106	terms	term	NOUN
ejif-11201	196	107	of	of	ADP
ejif-11201	196	108	financial	financial	ADJ
ejif-11201	196	109	inclusion	inclusion	NOUN
ejif-11201	196	110	and	and	CCONJ
ejif-11201	196	111	women	woman	NOUN
ejif-11201	196	112	are	be	AUX
ejif-11201	196	113	financially	financially	ADV
ejif-11201	196	114	more	more	ADV
ejif-11201	196	115	empowered	empower	VERB
ejif-11201	196	116	as	as	SCONJ
ejif-11201	196	117	compared	compare	VERB
ejif-11201	196	118	to	to	ADP
ejif-11201	196	119	those	those	PRON
ejif-11201	196	120	in	in	ADP
ejif-11201	196	121	countries	country	NOUN
ejif-11201	196	122	using	use	VERB
ejif-11201	196	123	conventional	conventional	ADJ
ejif-11201	196	124	finance	finance	NOUN
ejif-11201	196	125	nawaz	nawaz	NOUN
ejif-11201	196	126	t.	t.	NOUN
ejif-11201	196	127	lifting	lift	VERB
ejif-11201	196	128	the	the	DET
ejif-11201	196	129	lid	lid	NOUN
ejif-11201	196	130	on	on	ADP
ejif-11201	196	131	financial	financial	ADJ
ejif-11201	196	132	inclusion	inclusion	NOUN
ejif-11201	196	133	:	:	PUNCT
ejif-11201	196	134	evidence	evidence	NOUN
ejif-11201	196	135	from	from	ADP
ejif-11201	196	136	emerging	emerge	VERB
ejif-11201	196	137	economies	economy	NOUN
ejif-11201	196	138	2018	2018	NUM
ejif-11201	196	139	05	05	NUM
ejif-11201	196	140	islamic	islamic	ADJ
ejif-11201	196	141	banks	bank	NOUN
ejif-11201	196	142	are	be	AUX
ejif-11201	196	143	serving	serve	VERB
ejif-11201	196	144	as	as	ADP
ejif-11201	196	145	the	the	DET
ejif-11201	196	146	ultimate	ultimate	ADJ
ejif-11201	196	147	source	source	NOUN
ejif-11201	196	148	of	of	ADP
ejif-11201	196	149	financial	financial	ADJ
ejif-11201	196	150	inclusion	inclusion	NOUN
ejif-11201	196	151	in	in	ADP
ejif-11201	196	152	the	the	DET
ejif-11201	196	153	society	society	NOUN
ejif-11201	196	154	saifurrahman	saifurrahman	PROPN
ejif-11201	196	155	a.	a.	PROPN
ejif-11201	196	156	;	;	PUNCT
ejif-11201	196	157	kassim	kassim	PROPN
ejif-11201	196	158	s.h	s.h	PROPN
ejif-11201	196	159	.	.	PROPN
ejif-11201	196	160	regulatory	regulatory	ADJ
ejif-11201	196	161	issues	issue	NOUN
ejif-11201	196	162	inhibiting	inhibit	VERB
ejif-11201	196	163	the	the	DET
ejif-11201	196	164	financial	financial	ADJ
ejif-11201	196	165	inclusion	inclusion	NOUN
ejif-11201	196	166	:	:	PUNCT
ejif-11201	196	167	a	a	DET
ejif-11201	196	168	case	case	NOUN
ejif-11201	196	169	study	study	NOUN
ejif-11201	196	170	among	among	ADP
ejif-11201	196	171	islamic	islamic	ADJ
ejif-11201	196	172	banks	bank	NOUN
ejif-11201	196	173	and	and	CCONJ
ejif-11201	196	174	msmes	msme	NOUN
ejif-11201	196	175	in	in	ADP
ejif-11201	196	176	indonesia	indonesia	PROPN
ejif-11201	196	177	2023	2023	NUM
ejif-11201	196	178	0	0	NUM
ejif-11201	196	179	regulatory	regulatory	ADJ
ejif-11201	196	180	imbalances	imbalance	NOUN
ejif-11201	196	181	and	and	CCONJ
ejif-11201	196	182	restrictions	restriction	NOUN
ejif-11201	196	183	demotivate	demotivate	VERB
ejif-11201	196	184	and	and	CCONJ
ejif-11201	196	185	hinder	hinder	VERB
ejif-11201	196	186	the	the	DET
ejif-11201	196	187	efforts	effort	NOUN
ejif-11201	196	188	of	of	ADP
ejif-11201	196	189	islamic	islamic	ADJ
ejif-11201	196	190	banks	bank	NOUN
ejif-11201	196	191	in	in	ADP
ejif-11201	196	192	providing	provide	VERB
ejif-11201	196	193	access	access	NOUN
ejif-11201	196	194	to	to	ADP
ejif-11201	196	195	finance	finance	NOUN
ejif-11201	196	196	for	for	ADP
ejif-11201	196	197	the	the	DET
ejif-11201	196	198	msme	msme	NOUN
ejif-11201	196	199	segment	segment	NOUN
ejif-11201	196	200	,	,	PUNCT
ejif-11201	196	201	hence	hence	ADV
ejif-11201	196	202	,	,	PUNCT
ejif-11201	196	203	encumbering	encumber	VERB
ejif-11201	196	204	the	the	DET
ejif-11201	196	205	achievement	achievement	NOUN
ejif-11201	196	206	of	of	ADP
ejif-11201	196	207	the	the	DET
ejif-11201	196	208	financial	financial	ADJ
ejif-11201	196	209	inclusion	inclusion	NOUN
ejif-11201	196	210	agenda	agenda	PROPN
ejif-11201	196	211	ahmad	ahmad	PROPN
ejif-11201	196	212	s.	s.	PROPN
ejif-11201	196	213	;	;	PUNCT
ejif-11201	196	214	lensink	lensink	PROPN
ejif-11201	196	215	r.	r.	PROPN
ejif-11201	196	216	;	;	PUNCT
ejif-11201	196	217	mueller	mueller	PROPN
ejif-11201	196	218	a.	a.	NOUN
ejif-11201	196	219	the	the	DET
ejif-11201	196	220	double	double	ADJ
ejif-11201	196	221	bottom	bottom	ADJ
ejif-11201	196	222	line	line	NOUN
ejif-11201	196	223	of	of	ADP
ejif-11201	196	224	microfinance	microfinance	NOUN
ejif-11201	196	225	:	:	PUNCT
ejif-11201	196	226	a	a	DET
ejif-11201	196	227	global	global	ADJ
ejif-11201	196	228	comparison	comparison	NOUN
ejif-11201	196	229	between	between	ADP
ejif-11201	196	230	conventional	conventional	ADJ
ejif-11201	196	231	and	and	CCONJ
ejif-11201	196	232	islamic	islamic	ADJ
ejif-11201	196	233	microfinance	microfinance	NOUN
ejif-11201	196	234	2020	2020	NUM
ejif-11201	196	235	25	25	NUM
ejif-11201	196	236	results	result	NOUN
ejif-11201	196	237	reveal	reveal	VERB
ejif-11201	196	238	that	that	SCONJ
ejif-11201	196	239	the	the	DET
ejif-11201	196	240	market	market	NOUN
ejif-11201	196	241	for	for	ADP
ejif-11201	196	242	islamic	islamic	ADJ
ejif-11201	196	243	microfinance	microfinance	NOUN
ejif-11201	196	244	has	have	AUX
ejif-11201	196	245	grown	grow	VERB
ejif-11201	196	246	in	in	ADP
ejif-11201	196	247	recent	recent	ADJ
ejif-11201	196	248	years	year	NOUN
ejif-11201	196	249	,	,	PUNCT
ejif-11201	196	250	and	and	CCONJ
ejif-11201	196	251	is	be	AUX
ejif-11201	196	252	likely	likely	ADJ
ejif-11201	196	253	to	to	PART
ejif-11201	196	254	continue	continue	VERB
ejif-11201	196	255	growing	grow	VERB
ejif-11201	196	256	in	in	ADP
ejif-11201	196	257	every	every	DET
ejif-11201	196	258	region	region	NOUN
ejif-11201	196	259	of	of	ADP
ejif-11201	196	260	the	the	DET
ejif-11201	196	261	world	world	NOUN
ejif-11201	196	262	tabash	tabash	PROPN
ejif-11201	196	263	m.i	m.i	PROPN
ejif-11201	196	264	critical	critical	ADJ
ejif-11201	196	265	challenges	challenge	NOUN
ejif-11201	196	266	affecting	affect	VERB
ejif-11201	196	267	islamic	islamic	ADJ
ejif-11201	196	268	banking	banking	NOUN
ejif-11201	196	269	growth	growth	NOUN
ejif-11201	196	270	in	in	ADP
ejif-11201	196	271	india	india	PROPN
ejif-11201	196	272	using	use	VERB
ejif-11201	196	273	analytical	analytical	ADJ
ejif-11201	196	274	hierarchy	hierarchy	NOUN
ejif-11201	196	275	process	process	NOUN
ejif-11201	196	276	(	(	PUNCT
ejif-11201	196	277	ahp	ahp	NOUN
ejif-11201	196	278	)	)	PUNCT
ejif-11201	196	279	2017	2017	NUM
ejif-11201	196	280	05	05	NUM
ejif-11201	197	1	although	although	SCONJ
ejif-11201	197	2	islamic	islamic	ADJ
ejif-11201	197	3	banks	bank	NOUN
ejif-11201	197	4	increase	increase	VERB
ejif-11201	197	5	financial	financial	ADJ
ejif-11201	197	6	inclusion	inclusion	NOUN
ejif-11201	197	7	,	,	PUNCT
ejif-11201	197	8	lack	lack	NOUN
ejif-11201	197	9	of	of	ADP
ejif-11201	197	10	awareness	awareness	NOUN
ejif-11201	197	11	for	for	ADP
ejif-11201	197	12	islamic	islamic	ADJ
ejif-11201	197	13	banking	banking	NOUN
ejif-11201	197	14	instruments	instrument	NOUN
ejif-11201	197	15	is	be	AUX
ejif-11201	197	16	slowing	slow	VERB
ejif-11201	197	17	it	it	PRON
ejif-11201	197	18	down	down	ADP
ejif-11201	197	19	fairuz	fairuz	PROPN
ejif-11201	197	20	et	et	PROPN
ejif-11201	197	21	al	al	PROPN
ejif-11201	197	22	do	do	AUX
ejif-11201	197	23	mosques	mosque	NOUN
ejif-11201	197	24	use	use	VERB
ejif-11201	197	25	islamic	islamic	PROPN
ejif-11201	197	26	bank	bank	PROPN
ejif-11201	197	27	services	service	NOUN
ejif-11201	197	28	?	?	PUNCT
ejif-11201	198	1	evidence	evidence	NOUN
ejif-11201	198	2	from	from	ADP
ejif-11201	198	3	indonesia	indonesia	PROPN
ejif-11201	198	4	2020	2020	NUM
ejif-11201	198	5	01	01	NUM
ejif-11201	198	6	findings	finding	NOUN
ejif-11201	198	7	revealed	reveal	VERB
ejif-11201	198	8	that	that	SCONJ
ejif-11201	198	9	only	only	ADV
ejif-11201	198	10	a	a	DET
ejif-11201	198	11	few	few	ADJ
ejif-11201	198	12	mosques	mosque	NOUN
ejif-11201	198	13	have	have	AUX
ejif-11201	198	14	adapted	adapt	VERB
ejif-11201	198	15	financial	financial	ADJ
ejif-11201	198	16	service	service	PROPN
ejif-11201	198	17	abdullahi	abdullahi	PROPN
ejif-11201	198	18	a.	a.	PROPN
ejif-11201	198	19	;	;	PUNCT
ejif-11201	199	1	othman	othman	PROPN
ejif-11201	199	2	a.h.a	a.h.a	PROPN
ejif-11201	199	3	.	.	PUNCT
ejif-11201	200	1	financial	financial	ADJ
ejif-11201	200	2	inclusion	inclusion	NOUN
ejif-11201	200	3	enhancement	enhancement	NOUN
ejif-11201	200	4	through	through	ADP
ejif-11201	200	5	the	the	DET
ejif-11201	200	6	adoption	adoption	NOUN
ejif-11201	200	7	of	of	ADP
ejif-11201	200	8	islamic	islamic	ADJ
ejif-11201	200	9	microfinance	microfinance	NOUN
ejif-11201	200	10	in	in	ADP
ejif-11201	200	11	nigeria	nigeria	PROPN
ejif-11201	200	12	2021	2021	NUM
ejif-11201	200	13	09	09	NUM
ejif-11201	200	14	intention	intention	NOUN
ejif-11201	200	15	toward	toward	ADP
ejif-11201	200	16	the	the	DET
ejif-11201	200	17	exploitation	exploitation	NOUN
ejif-11201	200	18	of	of	ADP
ejif-11201	200	19	islamic	islamic	ADJ
ejif-11201	200	20	microfinance	microfinance	NOUN
ejif-11201	200	21	is	be	AUX
ejif-11201	200	22	high	high	ADJ
ejif-11201	200	23	in	in	ADP
ejif-11201	200	24	nigeria	nigeria	PROPN
ejif-11201	200	25	european	european	PROPN
ejif-11201	200	26	journal	journal	PROPN
ejif-11201	200	27	of	of	ADP
ejif-11201	200	28	islamic	islamic	PROPN
ejif-11201	200	29	finance	finance	PROPN
ejif-11201	200	30	issn	issn	PROPN
ejif-11201	200	31	:	:	PUNCT
ejif-11201	200	32	2421	2421	NUM
ejif-11201	200	33	-	-	SYM
ejif-11201	200	34	2172	2172	NUM
ejif-11201	200	35	doi	doi	NOUN
ejif-11201	200	36	:	:	PUNCT
ejif-11201	200	37	10.13135/2421	10.13135/2421	NUM
ejif-11201	200	38	-	-	SYM
ejif-11201	200	39	2172/11201	2172/11201	NUM
ejif-11201	200	40	published	publish	VERB
ejif-11201	200	41	by	by	ADP
ejif-11201	200	42	university	university	PROPN
ejif-11201	200	43	of	of	ADP
ejif-11201	200	44	turin	turin	PROPN
ejif-11201	200	45	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	200	46	ejif	ejif	PROPN
ejif-11201	200	47	content	content	NOUN
ejif-11201	200	48	is	be	AUX
ejif-11201	200	49	licensed	license	VERB
ejif-11201	200	50	under	under	ADP
ejif-11201	200	51	a	a	DET
ejif-11201	200	52	creative	creative	ADJ
ejif-11201	200	53	commons	common	NOUN
ejif-11201	200	54	attribution	attribution	NOUN
ejif-11201	200	55	4.0	4.0	NUM
ejif-11201	200	56	international	international	ADJ
ejif-11201	200	57	license	license	NOUN
ejif-11201	200	58	82	82	NUM
ejif-11201	200	59	kannaiah	kannaiah	PROPN
ejif-11201	200	60	d.	d.	PROPN
ejif-11201	200	61	;	;	PUNCT
ejif-11201	200	62	masvood	masvood	PROPN
ejif-11201	200	63	y.	y.	PROPN
ejif-11201	200	64	;	;	PUNCT
ejif-11201	200	65	choudary	choudary	PROPN
ejif-11201	200	66	y.l	y.l	PROPN
ejif-11201	200	67	.	.	PROPN
ejif-11201	200	68	growth	growth	NOUN
ejif-11201	200	69	of	of	ADP
ejif-11201	200	70	islamic	islamic	ADJ
ejif-11201	200	71	banking	banking	NOUN
ejif-11201	200	72	in	in	ADP
ejif-11201	200	73	india	india	PROPN
ejif-11201	200	74	:	:	PUNCT
ejif-11201	200	75	discriminant	discriminant	VERB
ejif-11201	200	76	analysis	analysis	NOUN
ejif-11201	200	77	approach	approach	NOUN
ejif-11201	200	78	2017	2017	NUM
ejif-11201	200	79	05	05	NUM
ejif-11201	201	1	participants	participant	NOUN
ejif-11201	201	2	revealed	reveal	VERB
ejif-11201	201	3	a	a	DET
ejif-11201	201	4	positive	positive	ADJ
ejif-11201	201	5	attitude	attitude	NOUN
ejif-11201	201	6	towards	towards	ADP
ejif-11201	201	7	adoption	adoption	NOUN
ejif-11201	201	8	of	of	ADP
ejif-11201	201	9	islamic	islamic	ADJ
ejif-11201	201	10	finance	finance	NOUN
ejif-11201	201	11	and	and	CCONJ
ejif-11201	201	12	banking	banking	NOUN
ejif-11201	201	13	tahiri	tahiri	NOUN
ejif-11201	201	14	jouti	jouti	PROPN
ejif-11201	201	15	a.	a.	PROPN
ejif-11201	201	16	islamic	islamic	PROPN
ejif-11201	201	17	finance	finance	PROPN
ejif-11201	201	18	:	:	PUNCT
ejif-11201	201	19	financial	financial	ADJ
ejif-11201	201	20	inclusion	inclusion	NOUN
ejif-11201	201	21	or	or	CCONJ
ejif-11201	201	22	migration	migration	NOUN
ejif-11201	201	23	?	?	PUNCT
ejif-11201	202	1	2018	2018	NUM
ejif-11201	202	2	21	21	NUM
ejif-11201	202	3	islamic	islamic	ADJ
ejif-11201	202	4	finance	finance	NOUN
ejif-11201	202	5	can	can	AUX
ejif-11201	202	6	not	not	PART
ejif-11201	202	7	only	only	ADV
ejif-11201	202	8	enhance	enhance	VERB
ejif-11201	202	9	financial	financial	ADJ
ejif-11201	202	10	inclusion	inclusion	NOUN
ejif-11201	202	11	but	but	CCONJ
ejif-11201	202	12	also	also	ADV
ejif-11201	202	13	create	create	VERB
ejif-11201	202	14	financial	financial	ADJ
ejif-11201	202	15	migration	migration	NOUN
ejif-11201	202	16	.	.	PUNCT
ejif-11201	203	1	islamic	islamic	ADJ
ejif-11201	203	2	finance	finance	PROPN
ejif-11201	203	3	can	can	AUX
ejif-11201	203	4	contribute	contribute	VERB
ejif-11201	203	5	to	to	ADP
ejif-11201	203	6	the	the	DET
ejif-11201	203	7	effort	effort	NOUN
ejif-11201	203	8	of	of	ADP
ejif-11201	203	9	including	include	VERB
ejif-11201	203	10	“	"	PUNCT
ejif-11201	203	11	self	self	NOUN
ejif-11201	203	12	-	-	PUNCT
ejif-11201	203	13	excluded	exclude	VERB
ejif-11201	203	14	”	"	PUNCT
ejif-11201	203	15	people	people	NOUN
ejif-11201	203	16	with	with	ADP
ejif-11201	203	17	religious	religious	ADJ
ejif-11201	203	18	concerns	concern	NOUN
ejif-11201	203	19	as	as	ADV
ejif-11201	203	20	well	well	ADV
ejif-11201	203	21	as	as	ADP
ejif-11201	203	22	people	people	NOUN
ejif-11201	203	23	without	without	ADP
ejif-11201	203	24	access	access	NOUN
ejif-11201	203	25	to	to	ADP
ejif-11201	203	26	financial	financial	ADJ
ejif-11201	203	27	services	service	NOUN
ejif-11201	203	28	ali	ali	PROPN
ejif-11201	203	29	m.m	m.m	PROPN
ejif-11201	203	30	.	.	PROPN
ejif-11201	203	31	;	;	PUNCT
ejif-11201	203	32	sakti	sakti	PROPN
ejif-11201	203	33	m.r.p	m.r.p	PROPN
ejif-11201	203	34	.	.	PUNCT
ejif-11201	203	35	;	;	PUNCT
ejif-11201	203	36	devi	devi	PROPN
ejif-11201	203	37	a.	a.	NOUN
ejif-11201	203	38	developing	develop	VERB
ejif-11201	203	39	an	an	DET
ejif-11201	203	40	islamic	islamic	ADJ
ejif-11201	203	41	financial	financial	ADJ
ejif-11201	203	42	inclusion	inclusion	NOUN
ejif-11201	203	43	index	index	NOUN
ejif-11201	203	44	for	for	ADP
ejif-11201	203	45	islamic	islamic	ADJ
ejif-11201	203	46	banks	bank	NOUN
ejif-11201	203	47	in	in	ADP
ejif-11201	203	48	indonesia	indonesia	PROPN
ejif-11201	203	49	:	:	PUNCT
ejif-11201	203	50	a	a	DET
ejif-11201	203	51	cross	cross	ADJ
ejif-11201	203	52	-	-	ADJ
ejif-11201	203	53	province	province	ADJ
ejif-11201	203	54	analysis	analysis	NOUN
ejif-11201	203	55	2019	2019	NUM
ejif-11201	203	56	5	5	NUM
ejif-11201	203	57	the	the	DET
ejif-11201	203	58	level	level	NOUN
ejif-11201	203	59	of	of	ADP
ejif-11201	203	60	islamic	islamic	ADJ
ejif-11201	203	61	financial	financial	ADJ
ejif-11201	203	62	inclusion	inclusion	NOUN
ejif-11201	203	63	in	in	ADP
ejif-11201	203	64	indonesia	indonesia	PROPN
ejif-11201	203	65	is	be	AUX
ejif-11201	203	66	relatively	relatively	ADV
ejif-11201	203	67	low	low	ADJ
ejif-11201	203	68	at	at	ADP
ejif-11201	203	69	the	the	DET
ejif-11201	203	70	national	national	ADJ
ejif-11201	203	71	level	level	NOUN
ejif-11201	203	72	source	source	NOUN
ejif-11201	203	73	:	:	PUNCT
ejif-11201	203	74	authors	author	NOUN
ejif-11201	203	75	’	’	PART
ejif-11201	203	76	elaboration	elaboration	PROPN
ejif-11201	203	77	european	european	PROPN
ejif-11201	203	78	journal	journal	PROPN
ejif-11201	203	79	of	of	ADP
ejif-11201	203	80	islamic	islamic	PROPN
ejif-11201	203	81	finance	finance	PROPN
ejif-11201	203	82	issn	issn	PROPN
ejif-11201	203	83	:	:	PUNCT
ejif-11201	203	84	2421	2421	NUM
ejif-11201	203	85	-	-	SYM
ejif-11201	203	86	2172	2172	NUM
ejif-11201	203	87	doi	doi	NOUN
ejif-11201	203	88	:	:	PUNCT
ejif-11201	203	89	10.13135/2421	10.13135/2421	NUM
ejif-11201	203	90	-	-	SYM
ejif-11201	203	91	2172/11201	2172/11201	NUM
ejif-11201	203	92	published	publish	VERB
ejif-11201	203	93	by	by	ADP
ejif-11201	203	94	university	university	PROPN
ejif-11201	203	95	of	of	ADP
ejif-11201	203	96	turin	turin	PROPN
ejif-11201	204	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	204	2	ejif	ejif	PROPN
ejif-11201	204	3	content	content	NOUN
ejif-11201	204	4	is	be	AUX
ejif-11201	204	5	licensed	license	VERB
ejif-11201	204	6	under	under	ADP
ejif-11201	204	7	a	a	DET
ejif-11201	204	8	creative	creative	ADJ
ejif-11201	204	9	commons	common	NOUN
ejif-11201	204	10	attribution	attribution	NOUN
ejif-11201	204	11	4.0	4.0	NUM
ejif-11201	204	12	international	international	ADJ
ejif-11201	204	13	license	license	NOUN
ejif-11201	204	14	83	83	NUM
ejif-11201	204	15	4	4	NUM
ejif-11201	204	16	.	.	PUNCT
ejif-11201	205	1	discussion	discussion	NOUN
ejif-11201	205	2	4.1	4.1	NUM
ejif-11201	205	3	.	.	PUNCT
ejif-11201	206	1	debating	debate	VERB
ejif-11201	206	2	the	the	DET
ejif-11201	206	3	role	role	NOUN
ejif-11201	206	4	of	of	ADP
ejif-11201	206	5	islamic	islamic	ADJ
ejif-11201	206	6	finance	finance	NOUN
ejif-11201	206	7	in	in	ADP
ejif-11201	206	8	financial	financial	ADJ
ejif-11201	206	9	inclusion	inclusion	NOUN
ejif-11201	206	10	the	the	DET
ejif-11201	206	11	dawn	dawn	NOUN
ejif-11201	206	12	of	of	ADP
ejif-11201	206	13	islamic	islamic	ADJ
ejif-11201	206	14	finance	finance	PROPN
ejif-11201	206	15	has	have	AUX
ejif-11201	206	16	sparked	spark	VERB
ejif-11201	206	17	a	a	DET
ejif-11201	206	18	contentious	contentious	ADJ
ejif-11201	206	19	discussion	discussion	NOUN
ejif-11201	206	20	about	about	ADP
ejif-11201	206	21	whether	whether	SCONJ
ejif-11201	206	22	it	it	PRON
ejif-11201	206	23	is	be	AUX
ejif-11201	206	24	driving	drive	VERB
ejif-11201	206	25	financial	financial	ADJ
ejif-11201	206	26	migration	migration	NOUN
ejif-11201	206	27	or	or	CCONJ
ejif-11201	206	28	financial	financial	ADJ
ejif-11201	206	29	inclusion	inclusion	NOUN
ejif-11201	206	30	.	.	PUNCT
ejif-11201	207	1	while	while	SCONJ
ejif-11201	207	2	some	some	DET
ejif-11201	207	3	academics	academic	NOUN
ejif-11201	207	4	agree	agree	VERB
ejif-11201	207	5	that	that	SCONJ
ejif-11201	207	6	islamic	islamic	PROPN
ejif-11201	207	7	finance	finance	NOUN
ejif-11201	207	8	is	be	AUX
ejif-11201	207	9	helping	help	VERB
ejif-11201	207	10	to	to	PART
ejif-11201	207	11	achieve	achieve	VERB
ejif-11201	207	12	the	the	DET
ejif-11201	207	13	sustainable	sustainable	ADJ
ejif-11201	207	14	development	development	NOUN
ejif-11201	207	15	goals	goal	NOUN
ejif-11201	207	16	of	of	ADP
ejif-11201	207	17	poverty	poverty	NOUN
ejif-11201	207	18	alleviation	alleviation	NOUN
ejif-11201	207	19	and	and	CCONJ
ejif-11201	207	20	inclusivity	inclusivity	NOUN
ejif-11201	207	21	,	,	PUNCT
ejif-11201	207	22	others	other	NOUN
ejif-11201	207	23	contend	contend	VERB
ejif-11201	207	24	that	that	SCONJ
ejif-11201	207	25	it	it	PRON
ejif-11201	207	26	is	be	AUX
ejif-11201	207	27	bringing	bring	VERB
ejif-11201	207	28	about	about	ADP
ejif-11201	207	29	financial	financial	ADJ
ejif-11201	207	30	migration	migration	NOUN
ejif-11201	207	31	.	.	PUNCT
ejif-11201	208	1	according	accord	VERB
ejif-11201	208	2	to	to	ADP
ejif-11201	208	3	a	a	DET
ejif-11201	208	4	study	study	NOUN
ejif-11201	208	5	conducted	conduct	VERB
ejif-11201	208	6	by	by	ADP
ejif-11201	208	7	warsame	warsame	NOUN
ejif-11201	208	8	(	(	PUNCT
ejif-11201	208	9	2015	2015	NUM
ejif-11201	208	10	)	)	PUNCT
ejif-11201	208	11	,	,	PUNCT
ejif-11201	208	12	islamic	islamic	ADJ
ejif-11201	208	13	finance	finance	NOUN
ejif-11201	208	14	has	have	AUX
ejif-11201	208	15	been	be	AUX
ejif-11201	208	16	found	find	VERB
ejif-11201	208	17	to	to	PART
ejif-11201	208	18	promote	promote	VERB
ejif-11201	208	19	financial	financial	ADJ
ejif-11201	208	20	inclusion	inclusion	NOUN
ejif-11201	208	21	in	in	ADP
ejif-11201	208	22	kenya	kenya	PROPN
ejif-11201	208	23	.	.	PUNCT
ejif-11201	209	1	according	accord	VERB
ejif-11201	209	2	to	to	ADP
ejif-11201	209	3	warsame	warsame	PROPN
ejif-11201	209	4	(	(	PUNCT
ejif-11201	209	5	2015	2015	NUM
ejif-11201	209	6	)	)	PUNCT
ejif-11201	209	7	,	,	PUNCT
ejif-11201	209	8	the	the	DET
ejif-11201	209	9	central	central	ADJ
ejif-11201	209	10	bank	bank	PROPN
ejif-11201	209	11	of	of	ADP
ejif-11201	209	12	kenya	kenya	PROPN
ejif-11201	209	13	's	's	PART
ejif-11201	209	14	authorization	authorization	NOUN
ejif-11201	209	15	of	of	ADP
ejif-11201	209	16	islamic	islamic	ADJ
ejif-11201	209	17	banks	bank	NOUN
ejif-11201	209	18	marked	mark	VERB
ejif-11201	209	19	a	a	DET
ejif-11201	209	20	significant	significant	ADJ
ejif-11201	209	21	advancement	advancement	NOUN
ejif-11201	209	22	in	in	ADP
ejif-11201	209	23	financial	financial	ADJ
ejif-11201	209	24	inclusion	inclusion	NOUN
ejif-11201	209	25	because	because	SCONJ
ejif-11201	209	26	the	the	DET
ejif-11201	209	27	newly	newly	ADV
ejif-11201	209	28	formed	form	VERB
ejif-11201	209	29	islamic	islamic	ADJ
ejif-11201	209	30	banks	bank	NOUN
ejif-11201	209	31	would	would	AUX
ejif-11201	209	32	provide	provide	VERB
ejif-11201	209	33	muslims	muslim	NOUN
ejif-11201	209	34	with	with	ADP
ejif-11201	209	35	financial	financial	ADJ
ejif-11201	209	36	services	service	NOUN
ejif-11201	209	37	that	that	PRON
ejif-11201	209	38	align	align	VERB
ejif-11201	209	39	with	with	ADP
ejif-11201	209	40	their	their	PRON
ejif-11201	209	41	religious	religious	ADJ
ejif-11201	209	42	beliefs	belief	NOUN
ejif-11201	209	43	.	.	PUNCT
ejif-11201	210	1	warsame	warsame	PROPN
ejif-11201	210	2	(	(	PUNCT
ejif-11201	210	3	2015	2015	NUM
ejif-11201	210	4	)	)	PUNCT
ejif-11201	210	5	did	do	AUX
ejif-11201	210	6	note	note	VERB
ejif-11201	210	7	,	,	PUNCT
ejif-11201	210	8	however	however	ADV
ejif-11201	210	9	,	,	PUNCT
ejif-11201	210	10	that	that	SCONJ
ejif-11201	210	11	there	there	PRON
ejif-11201	210	12	was	be	VERB
ejif-11201	210	13	also	also	ADV
ejif-11201	210	14	a	a	DET
ejif-11201	210	15	financial	financial	ADJ
ejif-11201	210	16	migration	migration	NOUN
ejif-11201	210	17	occurring	occurring	NOUN
ejif-11201	210	18	,	,	PUNCT
ejif-11201	210	19	with	with	ADP
ejif-11201	210	20	a	a	DET
ejif-11201	210	21	significant	significant	ADJ
ejif-11201	210	22	number	number	NOUN
ejif-11201	210	23	of	of	ADP
ejif-11201	210	24	muslims	muslims	PROPN
ejif-11201	210	25	moving	move	VERB
ejif-11201	210	26	from	from	ADP
ejif-11201	210	27	traditional	traditional	ADJ
ejif-11201	210	28	banks	bank	NOUN
ejif-11201	210	29	to	to	ADP
ejif-11201	210	30	financial	financial	ADJ
ejif-11201	210	31	institutions	institution	NOUN
ejif-11201	210	32	that	that	PRON
ejif-11201	210	33	adhere	adhere	VERB
ejif-11201	210	34	to	to	ADP
ejif-11201	210	35	sharia	sharia	PROPN
ejif-11201	210	36	.	.	PUNCT
ejif-11201	211	1	khmous	khmous	ADJ
ejif-11201	211	2	and	and	CCONJ
ejif-11201	211	3	besim	besim	ADJ
ejif-11201	211	4	(	(	PUNCT
ejif-11201	211	5	2020	2020	NUM
ejif-11201	211	6	)	)	PUNCT
ejif-11201	211	7	also	also	ADV
ejif-11201	211	8	found	find	VERB
ejif-11201	211	9	,	,	PUNCT
ejif-11201	211	10	through	through	ADP
ejif-11201	211	11	a	a	DET
ejif-11201	211	12	study	study	NOUN
ejif-11201	211	13	conducted	conduct	VERB
ejif-11201	211	14	in	in	ADP
ejif-11201	211	15	mena	mena	PROPN
ejif-11201	211	16	countries	countries	PROPN
ejif-11201	211	17	,	,	PUNCT
ejif-11201	211	18	that	that	SCONJ
ejif-11201	211	19	islamic	islamic	PROPN
ejif-11201	211	20	finance	finance	NOUN
ejif-11201	211	21	plays	play	VERB
ejif-11201	211	22	a	a	DET
ejif-11201	211	23	significant	significant	ADJ
ejif-11201	211	24	role	role	NOUN
ejif-11201	211	25	in	in	ADP
ejif-11201	211	26	fostering	foster	VERB
ejif-11201	211	27	financial	financial	ADJ
ejif-11201	211	28	inclusion	inclusion	NOUN
ejif-11201	211	29	.	.	PUNCT
ejif-11201	212	1	however	however	ADV
ejif-11201	212	2	,	,	PUNCT
ejif-11201	212	3	financial	financial	ADJ
ejif-11201	212	4	inclusion	inclusion	NOUN
ejif-11201	212	5	in	in	ADP
ejif-11201	212	6	these	these	DET
ejif-11201	212	7	countries	country	NOUN
ejif-11201	212	8	has	have	AUX
ejif-11201	212	9	been	be	AUX
ejif-11201	212	10	observed	observe	VERB
ejif-11201	212	11	to	to	PART
ejif-11201	212	12	be	be	AUX
ejif-11201	212	13	significantly	significantly	ADV
ejif-11201	212	14	small	small	ADJ
ejif-11201	212	15	,	,	PUNCT
ejif-11201	212	16	signaling	signal	VERB
ejif-11201	212	17	that	that	SCONJ
ejif-11201	212	18	islamic	islamic	ADJ
ejif-11201	212	19	finance	finance	NOUN
ejif-11201	212	20	is	be	AUX
ejif-11201	212	21	not	not	PART
ejif-11201	212	22	doing	do	VERB
ejif-11201	212	23	enough	enough	NOUN
ejif-11201	212	24	to	to	PART
ejif-11201	212	25	cater	cater	VERB
ejif-11201	212	26	to	to	ADP
ejif-11201	212	27	the	the	DET
ejif-11201	212	28	financially	financially	ADV
ejif-11201	212	29	excluded	exclude	VERB
ejif-11201	212	30	.	.	PUNCT
ejif-11201	213	1	the	the	DET
ejif-11201	213	2	results	result	NOUN
ejif-11201	213	3	by	by	ADP
ejif-11201	213	4	khmous	khmous	ADJ
ejif-11201	213	5	and	and	CCONJ
ejif-11201	213	6	besim	besim	ADJ
ejif-11201	213	7	(	(	PUNCT
ejif-11201	213	8	2020	2020	NUM
ejif-11201	213	9	)	)	PUNCT
ejif-11201	213	10	are	be	AUX
ejif-11201	213	11	consistent	consistent	ADJ
ejif-11201	213	12	with	with	ADP
ejif-11201	213	13	the	the	DET
ejif-11201	213	14	study	study	NOUN
ejif-11201	213	15	results	result	NOUN
ejif-11201	213	16	of	of	ADP
ejif-11201	213	17	ramaian	ramaian	PROPN
ejif-11201	213	18	et	et	PROPN
ejif-11201	213	19	al	al	PROPN
ejif-11201	213	20	.	.	PROPN
ejif-11201	214	1	(	(	PUNCT
ejif-11201	214	2	2023	2023	NUM
ejif-11201	214	3	)	)	PUNCT
ejif-11201	214	4	,	,	PUNCT
ejif-11201	214	5	who	who	PRON
ejif-11201	214	6	conducted	conduct	VERB
ejif-11201	214	7	a	a	DET
ejif-11201	214	8	study	study	NOUN
ejif-11201	214	9	in	in	ADP
ejif-11201	214	10	the	the	DET
ejif-11201	214	11	mena	mena	PROPN
ejif-11201	214	12	countries	country	NOUN
ejif-11201	214	13	with	with	ADP
ejif-11201	214	14	the	the	DET
ejif-11201	214	15	objective	objective	NOUN
ejif-11201	214	16	of	of	ADP
ejif-11201	214	17	determining	determine	VERB
ejif-11201	214	18	their	their	PRON
ejif-11201	214	19	financial	financial	ADJ
ejif-11201	214	20	inclusion	inclusion	NOUN
ejif-11201	214	21	index	index	NOUN
ejif-11201	214	22	.	.	PUNCT
ejif-11201	215	1	according	accord	VERB
ejif-11201	215	2	to	to	ADP
ejif-11201	215	3	ramaian	ramaian	PROPN
ejif-11201	215	4	et	et	PROPN
ejif-11201	215	5	al	al	PROPN
ejif-11201	215	6	.	.	PROPN
ejif-11201	216	1	(	(	PUNCT
ejif-11201	216	2	2023	2023	NUM
ejif-11201	216	3	)	)	PUNCT
ejif-11201	216	4	,	,	PUNCT
ejif-11201	216	5	islamic	islamic	PROPN
ejif-11201	216	6	nations	nation	NOUN
ejif-11201	216	7	have	have	AUX
ejif-11201	216	8	seen	see	VERB
ejif-11201	216	9	improvements	improvement	NOUN
ejif-11201	216	10	in	in	ADP
ejif-11201	216	11	overall	overall	ADJ
ejif-11201	216	12	financial	financial	ADJ
ejif-11201	216	13	inclusion	inclusion	NOUN
ejif-11201	216	14	.	.	PUNCT
ejif-11201	217	1	notably	notably	ADV
ejif-11201	217	2	,	,	PUNCT
ejif-11201	217	3	all	all	DET
ejif-11201	217	4	mena	mena	PROPN
ejif-11201	217	5	nations	nation	NOUN
ejif-11201	217	6	are	be	AUX
ejif-11201	217	7	classified	classify	VERB
ejif-11201	217	8	as	as	ADP
ejif-11201	217	9	lowor	lowor	ADJ
ejif-11201	217	10	medium	medium	ADJ
ejif-11201	217	11	-	-	PUNCT
ejif-11201	217	12	income	income	NOUN
ejif-11201	217	13	countries	country	NOUN
ejif-11201	217	14	on	on	ADP
ejif-11201	217	15	the	the	DET
ejif-11201	217	16	inclusion	inclusion	NOUN
ejif-11201	217	17	index	index	NOUN
ejif-11201	217	18	(	(	PUNCT
ejif-11201	217	19	ramaian	ramaian	PROPN
ejif-11201	217	20	et	et	PROPN
ejif-11201	217	21	al	al	PROPN
ejif-11201	217	22	.	.	PROPN
ejif-11201	217	23	,	,	PUNCT
ejif-11201	217	24	2023	2023	NUM
ejif-11201	217	25	)	)	PUNCT
ejif-11201	217	26	.	.	PUNCT
ejif-11201	218	1	it	it	PRON
ejif-11201	218	2	was	be	AUX
ejif-11201	218	3	noted	note	VERB
ejif-11201	218	4	that	that	SCONJ
ejif-11201	218	5	the	the	DET
ejif-11201	218	6	islamic	islamic	PROPN
ejif-11201	218	7	mena	mena	PROPN
ejif-11201	218	8	nations	nations	PROPN
ejif-11201	218	9	had	have	VERB
ejif-11201	218	10	low	low	ADJ
ejif-11201	218	11	insurance	insurance	NOUN
ejif-11201	218	12	penetration	penetration	NOUN
ejif-11201	218	13	and	and	CCONJ
ejif-11201	218	14	access	access	NOUN
ejif-11201	218	15	(	(	PUNCT
ejif-11201	218	16	ramaian	ramaian	PROPN
ejif-11201	218	17	et	et	PROPN
ejif-11201	218	18	al	al	PROPN
ejif-11201	218	19	.	.	PROPN
ejif-11201	218	20	,	,	PUNCT
ejif-11201	218	21	2023	2023	NUM
ejif-11201	218	22	)	)	PUNCT
ejif-11201	218	23	.	.	PUNCT
ejif-11201	219	1	similar	similar	ADJ
ejif-11201	219	2	findings	finding	NOUN
ejif-11201	219	3	are	be	AUX
ejif-11201	219	4	also	also	ADV
ejif-11201	219	5	reported	report	VERB
ejif-11201	219	6	in	in	ADP
ejif-11201	219	7	a	a	DET
ejif-11201	219	8	study	study	NOUN
ejif-11201	219	9	conducted	conduct	VERB
ejif-11201	219	10	by	by	ADP
ejif-11201	219	11	saiti	saiti	PROPN
ejif-11201	219	12	,	,	PUNCT
ejif-11201	219	13	ardo	ardo	NOUN
ejif-11201	219	14	,	,	PUNCT
ejif-11201	219	15	and	and	CCONJ
ejif-11201	219	16	yumusak	yumusak	PROPN
ejif-11201	219	17	(	(	PUNCT
ejif-11201	219	18	2022	2022	NUM
ejif-11201	219	19	)	)	PUNCT
ejif-11201	219	20	in	in	ADP
ejif-11201	219	21	nigeria	nigeria	PROPN
ejif-11201	219	22	.	.	PUNCT
ejif-11201	220	1	saiti	saiti	PROPN
ejif-11201	220	2	et	et	PROPN
ejif-11201	220	3	al	al	PROPN
ejif-11201	220	4	.	.	PROPN
ejif-11201	220	5	(	(	PUNCT
ejif-11201	220	6	2022	2022	NUM
ejif-11201	220	7	)	)	PUNCT
ejif-11201	220	8	discovered	discover	VERB
ejif-11201	220	9	that	that	SCONJ
ejif-11201	220	10	the	the	DET
ejif-11201	220	11	notable	notable	ADJ
ejif-11201	220	12	growth	growth	NOUN
ejif-11201	220	13	recorded	record	VERB
ejif-11201	220	14	by	by	ADP
ejif-11201	220	15	banks	bank	NOUN
ejif-11201	220	16	since	since	SCONJ
ejif-11201	220	17	the	the	DET
ejif-11201	220	18	inception	inception	NOUN
ejif-11201	220	19	of	of	ADP
ejif-11201	220	20	the	the	DET
ejif-11201	220	21	islamic	islamic	ADJ
ejif-11201	220	22	banking	banking	NOUN
ejif-11201	220	23	system	system	NOUN
ejif-11201	220	24	is	be	AUX
ejif-11201	220	25	slowing	slow	VERB
ejif-11201	220	26	down	down	ADP
ejif-11201	220	27	due	due	ADP
ejif-11201	220	28	to	to	ADP
ejif-11201	220	29	religiously	religiously	ADV
ejif-11201	220	30	induced	induce	VERB
ejif-11201	220	31	sentiments	sentiment	NOUN
ejif-11201	220	32	and	and	CCONJ
ejif-11201	220	33	criticisms	criticism	NOUN
ejif-11201	220	34	championed	champion	VERB
ejif-11201	220	35	by	by	ADP
ejif-11201	220	36	certain	certain	ADJ
ejif-11201	220	37	non	non	ADJ
ejif-11201	220	38	-	-	ADJ
ejif-11201	220	39	muslim	muslim	ADJ
ejif-11201	220	40	segments	segment	NOUN
ejif-11201	220	41	of	of	ADP
ejif-11201	220	42	society	society	NOUN
ejif-11201	220	43	.	.	PUNCT
ejif-11201	221	1	interestingly	interestingly	ADV
ejif-11201	221	2	,	,	PUNCT
ejif-11201	221	3	even	even	ADV
ejif-11201	221	4	with	with	ADP
ejif-11201	221	5	the	the	DET
ejif-11201	221	6	impish	impish	ADJ
ejif-11201	221	7	hype	hype	NOUN
ejif-11201	221	8	and	and	CCONJ
ejif-11201	221	9	publicity	publicity	NOUN
ejif-11201	221	10	,	,	PUNCT
ejif-11201	221	11	non	non	ADJ
ejif-11201	221	12	-	-	NOUN
ejif-11201	221	13	muslims	muslim	NOUN
ejif-11201	221	14	make	make	VERB
ejif-11201	221	15	up	up	ADP
ejif-11201	221	16	a	a	DET
ejif-11201	221	17	significant	significant	ADJ
ejif-11201	221	18	customer	customer	NOUN
ejif-11201	221	19	base	base	NOUN
ejif-11201	221	20	of	of	ADP
ejif-11201	221	21	the	the	DET
ejif-11201	221	22	islamic	islamic	ADJ
ejif-11201	221	23	banks	bank	NOUN
ejif-11201	221	24	in	in	ADP
ejif-11201	221	25	nigeria	nigeria	PROPN
ejif-11201	221	26	(	(	PUNCT
ejif-11201	221	27	saiti	saiti	NOUN
ejif-11201	221	28	et	et	PROPN
ejif-11201	221	29	al	al	PROPN
ejif-11201	221	30	,	,	PUNCT
ejif-11201	221	31	2022	2022	NUM
ejif-11201	221	32	)	)	PUNCT
ejif-11201	221	33	.	.	PUNCT
ejif-11201	222	1	contrary	contrary	ADJ
ejif-11201	222	2	to	to	ADP
ejif-11201	222	3	the	the	DET
ejif-11201	222	4	literature	literature	NOUN
ejif-11201	222	5	that	that	PRON
ejif-11201	222	6	applauds	applaud	VERB
ejif-11201	222	7	islamic	islamic	ADJ
ejif-11201	222	8	finance	finance	NOUN
ejif-11201	222	9	as	as	ADP
ejif-11201	222	10	a	a	DET
ejif-11201	222	11	vehicle	vehicle	NOUN
ejif-11201	222	12	for	for	ADP
ejif-11201	222	13	financial	financial	ADJ
ejif-11201	222	14	inclusion	inclusion	NOUN
ejif-11201	222	15	,	,	PUNCT
ejif-11201	222	16	shaikh	shaikh	PROPN
ejif-11201	222	17	(	(	PUNCT
ejif-11201	222	18	2017	2017	NUM
ejif-11201	222	19	)	)	PUNCT
ejif-11201	222	20	argues	argue	VERB
ejif-11201	222	21	,	,	PUNCT
ejif-11201	222	22	based	base	VERB
ejif-11201	222	23	on	on	ADP
ejif-11201	222	24	research	research	NOUN
ejif-11201	222	25	findings	finding	NOUN
ejif-11201	222	26	,	,	PUNCT
ejif-11201	222	27	that	that	SCONJ
ejif-11201	222	28	islamic	islamic	PROPN
ejif-11201	222	29	equity	equity	NOUN
ejif-11201	222	30	modes	mode	NOUN
ejif-11201	222	31	of	of	ADP
ejif-11201	222	32	financing	financing	NOUN
ejif-11201	222	33	,	,	PUNCT
ejif-11201	222	34	in	in	ADP
ejif-11201	222	35	their	their	PRON
ejif-11201	222	36	current	current	ADJ
ejif-11201	222	37	baseline	baseline	NOUN
ejif-11201	222	38	structure	structure	NOUN
ejif-11201	222	39	,	,	PUNCT
ejif-11201	222	40	suffer	suffer	VERB
ejif-11201	222	41	from	from	ADP
ejif-11201	222	42	high	high	ADJ
ejif-11201	222	43	agency	agency	NOUN
ejif-11201	222	44	costs	cost	NOUN
ejif-11201	222	45	and	and	CCONJ
ejif-11201	222	46	therefore	therefore	ADV
ejif-11201	222	47	have	have	VERB
ejif-11201	222	48	little	little	ADJ
ejif-11201	222	49	impact	impact	NOUN
ejif-11201	222	50	on	on	ADP
ejif-11201	222	51	fostering	foster	VERB
ejif-11201	222	52	financial	financial	ADJ
ejif-11201	222	53	inclusion	inclusion	NOUN
ejif-11201	222	54	.	.	PUNCT
ejif-11201	223	1	these	these	DET
ejif-11201	223	2	findings	finding	NOUN
ejif-11201	223	3	are	be	AUX
ejif-11201	223	4	consistent	consistent	ADJ
ejif-11201	223	5	with	with	ADP
ejif-11201	223	6	the	the	DET
ejif-11201	223	7	results	result	NOUN
ejif-11201	223	8	of	of	ADP
ejif-11201	223	9	studies	study	NOUN
ejif-11201	223	10	carried	carry	VERB
ejif-11201	223	11	out	out	ADP
ejif-11201	223	12	by	by	ADP
ejif-11201	223	13	saiti	saiti	PROPN
ejif-11201	223	14	et	et	PROPN
ejif-11201	223	15	al	al	PROPN
ejif-11201	223	16	.	.	PROPN
ejif-11201	224	1	(	(	PUNCT
ejif-11201	224	2	2022	2022	NUM
ejif-11201	224	3	)	)	PUNCT
ejif-11201	224	4	and	and	CCONJ
ejif-11201	224	5	khmous	khmous	ADJ
ejif-11201	224	6	and	and	CCONJ
ejif-11201	224	7	besim	besim	ADJ
ejif-11201	224	8	(	(	PUNCT
ejif-11201	224	9	2020	2020	NUM
ejif-11201	224	10	)	)	PUNCT
ejif-11201	224	11	.	.	PUNCT
ejif-11201	225	1	it	it	PRON
ejif-11201	225	2	is	be	AUX
ejif-11201	225	3	worth	worth	ADJ
ejif-11201	225	4	noting	note	VERB
ejif-11201	225	5	that	that	SCONJ
ejif-11201	225	6	,	,	PUNCT
ejif-11201	225	7	although	although	SCONJ
ejif-11201	225	8	academics	academic	NOUN
ejif-11201	225	9	commend	commend	VERB
ejif-11201	225	10	islamic	islamic	ADJ
ejif-11201	225	11	banking	banking	NOUN
ejif-11201	225	12	and	and	CCONJ
ejif-11201	225	13	finance	finance	NOUN
ejif-11201	225	14	for	for	ADP
ejif-11201	225	15	promoting	promote	VERB
ejif-11201	225	16	financial	financial	ADJ
ejif-11201	225	17	inclusion	inclusion	NOUN
ejif-11201	225	18	,	,	PUNCT
ejif-11201	225	19	its	its	PRON
ejif-11201	225	20	impact	impact	NOUN
ejif-11201	225	21	remains	remain	VERB
ejif-11201	225	22	relatively	relatively	ADV
ejif-11201	225	23	small	small	ADJ
ejif-11201	225	24	.	.	PUNCT
ejif-11201	226	1	studies	study	NOUN
ejif-11201	226	2	by	by	ADP
ejif-11201	226	3	franciosi	franciosi	PROPN
ejif-11201	226	4	(	(	PUNCT
ejif-11201	226	5	2025	2025	NUM
ejif-11201	226	6	)	)	PUNCT
ejif-11201	226	7	and	and	CCONJ
ejif-11201	226	8	alhammadi	alhammadi	NOUN
ejif-11201	226	9	(	(	PUNCT
ejif-11201	226	10	2023	2023	NUM
ejif-11201	226	11	)	)	PUNCT
ejif-11201	226	12	acknowledge	acknowledge	VERB
ejif-11201	226	13	the	the	DET
ejif-11201	226	14	role	role	NOUN
ejif-11201	226	15	that	that	PRON
ejif-11201	226	16	islamic	islamic	PROPN
ejif-11201	226	17	finance	finance	NOUN
ejif-11201	226	18	plays	play	VERB
ejif-11201	226	19	in	in	ADP
ejif-11201	226	20	fostering	foster	VERB
ejif-11201	226	21	financial	financial	ADJ
ejif-11201	226	22	inclusion	inclusion	NOUN
ejif-11201	226	23	.	.	PUNCT
ejif-11201	227	1	alhammadi	alhammadi	NOUN
ejif-11201	227	2	(	(	PUNCT
ejif-11201	227	3	2023	2023	NUM
ejif-11201	227	4	)	)	PUNCT
ejif-11201	227	5	argued	argue	VERB
ejif-11201	227	6	that	that	SCONJ
ejif-11201	227	7	through	through	ADP
ejif-11201	227	8	takaful	takaful	ADJ
ejif-11201	227	9	insurance	insurance	NOUN
ejif-11201	227	10	offered	offer	VERB
ejif-11201	227	11	by	by	ADP
ejif-11201	227	12	sharia	sharia	PROPN
ejif-11201	227	13	-	-	PUNCT
ejif-11201	227	14	compliant	compliant	ADJ
ejif-11201	227	15	financial	financial	ADJ
ejif-11201	227	16	institutions	institution	NOUN
ejif-11201	227	17	,	,	PUNCT
ejif-11201	227	18	financial	financial	ADJ
ejif-11201	227	19	inclusion	inclusion	NOUN
ejif-11201	227	20	has	have	AUX
ejif-11201	227	21	been	be	AUX
ejif-11201	227	22	rising	rise	VERB
ejif-11201	227	23	,	,	PUNCT
ejif-11201	227	24	and	and	CCONJ
ejif-11201	227	25	this	this	PRON
ejif-11201	227	26	has	have	AUX
ejif-11201	227	27	had	have	VERB
ejif-11201	227	28	a	a	DET
ejif-11201	227	29	positive	positive	ADJ
ejif-11201	227	30	influence	influence	NOUN
ejif-11201	227	31	on	on	ADP
ejif-11201	227	32	economic	economic	ADJ
ejif-11201	227	33	growth	growth	NOUN
ejif-11201	227	34	.	.	PUNCT
ejif-11201	228	1	the	the	DET
ejif-11201	228	2	results	result	NOUN
ejif-11201	228	3	by	by	ADP
ejif-11201	228	4	alhammadi	alhammadi	NOUN
ejif-11201	228	5	(	(	PUNCT
ejif-11201	228	6	2023	2023	NUM
ejif-11201	228	7	)	)	PUNCT
ejif-11201	228	8	are	be	AUX
ejif-11201	228	9	consistent	consistent	ADJ
ejif-11201	228	10	with	with	ADP
ejif-11201	228	11	those	those	PRON
ejif-11201	228	12	of	of	ADP
ejif-11201	228	13	kamalu	kamalu	PROPN
ejif-11201	228	14	and	and	CCONJ
ejif-11201	228	15	ibrahim	ibrahim	PROPN
ejif-11201	228	16	(	(	PUNCT
ejif-11201	228	17	2021	2021	NUM
ejif-11201	228	18	)	)	PUNCT
ejif-11201	228	19	,	,	PUNCT
ejif-11201	228	20	who	who	PRON
ejif-11201	228	21	,	,	PUNCT
ejif-11201	228	22	in	in	ADP
ejif-11201	228	23	a	a	DET
ejif-11201	228	24	study	study	NOUN
ejif-11201	228	25	conducted	conduct	VERB
ejif-11201	228	26	in	in	ADP
ejif-11201	228	27	organisation	organisation	NOUN
ejif-11201	228	28	of	of	ADP
ejif-11201	228	29	islamic	islamic	ADJ
ejif-11201	228	30	cooperation	cooperation	NOUN
ejif-11201	228	31	(	(	PUNCT
ejif-11201	228	32	oic	oic	PROPN
ejif-11201	228	33	)	)	PUNCT
ejif-11201	228	34	member	member	NOUN
ejif-11201	228	35	countries	country	NOUN
ejif-11201	228	36	from	from	ADP
ejif-11201	228	37	2013	2013	NUM
ejif-11201	228	38	to	to	ADP
ejif-11201	228	39	2018	2018	NUM
ejif-11201	228	40	,	,	PUNCT
ejif-11201	228	41	observed	observe	VERB
ejif-11201	228	42	that	that	SCONJ
ejif-11201	228	43	islamic	islamic	ADJ
ejif-11201	228	44	banking	banking	NOUN
ejif-11201	228	45	promotes	promote	VERB
ejif-11201	228	46	financial	financial	ADJ
ejif-11201	228	47	inclusion	inclusion	NOUN
ejif-11201	228	48	.	.	PUNCT
ejif-11201	229	1	in	in	ADP
ejif-11201	229	2	agreement	agreement	NOUN
ejif-11201	229	3	with	with	ADP
ejif-11201	229	4	the	the	DET
ejif-11201	229	5	results	result	NOUN
ejif-11201	229	6	of	of	ADP
ejif-11201	229	7	a	a	DET
ejif-11201	229	8	study	study	NOUN
ejif-11201	229	9	carried	carry	VERB
ejif-11201	229	10	out	out	ADP
ejif-11201	229	11	by	by	ADP
ejif-11201	229	12	alhammadi	alhammadi	NOUN
ejif-11201	229	13	(	(	PUNCT
ejif-11201	229	14	2023	2023	NUM
ejif-11201	229	15	)	)	PUNCT
ejif-11201	229	16	,	,	PUNCT
ejif-11201	229	17	the	the	DET
ejif-11201	229	18	findings	finding	NOUN
ejif-11201	229	19	of	of	ADP
ejif-11201	229	20	ali	ali	PROPN
ejif-11201	229	21	et	et	PROPN
ejif-11201	229	22	al	al	PROPN
ejif-11201	229	23	.	.	PROPN
ejif-11201	230	1	(	(	PUNCT
ejif-11201	230	2	2020	2020	NUM
ejif-11201	230	3	)	)	PUNCT
ejif-11201	230	4	revealed	reveal	VERB
ejif-11201	230	5	that	that	SCONJ
ejif-11201	230	6	islamic	islamic	ADJ
ejif-11201	230	7	financial	financial	ADJ
ejif-11201	230	8	inclusion	inclusion	NOUN
ejif-11201	230	9	in	in	ADP
ejif-11201	230	10	indonesia	indonesia	PROPN
ejif-11201	230	11	is	be	AUX
ejif-11201	230	12	influenced	influence	VERB
ejif-11201	230	13	by	by	ADP
ejif-11201	230	14	two	two	NUM
ejif-11201	230	15	main	main	ADJ
ejif-11201	230	16	drivers	driver	NOUN
ejif-11201	230	17	:	:	PUNCT
ejif-11201	230	18	supply	supply	NOUN
ejif-11201	230	19	and	and	CCONJ
ejif-11201	230	20	demand	demand	NOUN
ejif-11201	230	21	.	.	PUNCT
ejif-11201	231	1	in	in	ADP
ejif-11201	231	2	order	order	NOUN
ejif-11201	231	3	of	of	ADP
ejif-11201	231	4	increasing	increase	VERB
ejif-11201	231	5	level	level	NOUN
ejif-11201	231	6	of	of	ADP
ejif-11201	231	7	relevance	relevance	NOUN
ejif-11201	231	8	,	,	PUNCT
ejif-11201	231	9	the	the	DET
ejif-11201	231	10	demand	demand	NOUN
ejif-11201	231	11	factors	factor	NOUN
ejif-11201	231	12	for	for	ADP
ejif-11201	231	13	islamic	islamic	ADJ
ejif-11201	231	14	financial	financial	ADJ
ejif-11201	231	15	inclusion	inclusion	NOUN
ejif-11201	231	16	include	include	VERB
ejif-11201	231	17	financial	financial	ADJ
ejif-11201	231	18	literacy	literacy	NOUN
ejif-11201	231	19	(	(	PUNCT
ejif-11201	231	20	0.27	0.27	NUM
ejif-11201	231	21	)	)	PUNCT
ejif-11201	231	22	,	,	PUNCT
ejif-11201	231	23	social	social	ADJ
ejif-11201	231	24	influence	influence	NOUN
ejif-11201	231	25	(	(	PUNCT
ejif-11201	231	26	0.17	0.17	NUM
ejif-11201	231	27	)	)	PUNCT
ejif-11201	231	28	,	,	PUNCT
ejif-11201	231	29	socioeconomic	socioeconomic	ADJ
ejif-11201	231	30	factor	factor	NOUN
ejif-11201	231	31	(	(	PUNCT
ejif-11201	231	32	0.19	0.19	NUM
ejif-11201	231	33	)	)	PUNCT
ejif-11201	231	34	,	,	PUNCT
ejif-11201	231	35	religious	religious	ADJ
ejif-11201	231	36	devotion	devotion	NOUN
ejif-11201	231	37	(	(	PUNCT
ejif-11201	231	38	0.22	0.22	NUM
ejif-11201	231	39	)	)	PUNCT
ejif-11201	231	40	,	,	PUNCT
ejif-11201	231	41	and	and	CCONJ
ejif-11201	231	42	financial	financial	ADJ
ejif-11201	231	43	literacy	literacy	NOUN
ejif-11201	231	44	(	(	PUNCT
ejif-11201	231	45	0.27	0.27	NUM
ejif-11201	231	46	)	)	PUNCT
ejif-11201	231	47	.	.	PUNCT
ejif-11201	232	1	based	base	VERB
ejif-11201	232	2	on	on	ADP
ejif-11201	232	3	their	their	PRON
ejif-11201	232	4	relative	relative	ADJ
ejif-11201	232	5	importance	importance	NOUN
ejif-11201	232	6	,	,	PUNCT
ejif-11201	232	7	human	human	ADJ
ejif-11201	232	8	capital	capital	NOUN
ejif-11201	232	9	(	(	PUNCT
ejif-11201	232	10	0.32	0.32	NUM
ejif-11201	232	11	)	)	PUNCT
ejif-11201	232	12	,	,	PUNCT
ejif-11201	232	13	products	product	NOUN
ejif-11201	232	14	and	and	CCONJ
ejif-11201	232	15	services	service	NOUN
ejif-11201	232	16	(	(	PUNCT
ejif-11201	232	17	0.24	0.24	NUM
ejif-11201	232	18	)	)	PUNCT
ejif-11201	232	19	,	,	PUNCT
ejif-11201	232	20	infrastructure	infrastructure	NOUN
ejif-11201	232	21	(	(	PUNCT
ejif-11201	232	22	0.18	0.18	NUM
ejif-11201	232	23	)	)	PUNCT
ejif-11201	232	24	,	,	PUNCT
ejif-11201	232	25	and	and	CCONJ
ejif-11201	232	26	rules	rule	NOUN
ejif-11201	232	27	and	and	CCONJ
ejif-11201	232	28	regulations	regulation	NOUN
ejif-11201	232	29	(	(	PUNCT
ejif-11201	232	30	0.17	0.17	NUM
ejif-11201	232	31	)	)	PUNCT
ejif-11201	232	32	are	be	AUX
ejif-11201	232	33	the	the	DET
ejif-11201	232	34	main	main	ADJ
ejif-11201	232	35	supply	supply	NOUN
ejif-11201	232	36	-	-	PUNCT
ejif-11201	232	37	side	side	NOUN
ejif-11201	232	38	drivers	driver	NOUN
ejif-11201	232	39	of	of	ADP
ejif-11201	232	40	islamic	islamic	ADJ
ejif-11201	232	41	financial	financial	ADJ
ejif-11201	232	42	inclusion	inclusion	NOUN
ejif-11201	232	43	(	(	PUNCT
ejif-11201	232	44	ali	ali	PROPN
ejif-11201	232	45	et	et	PROPN
ejif-11201	232	46	al	al	PROPN
ejif-11201	232	47	,	,	PUNCT
ejif-11201	232	48	2020	2020	NUM
ejif-11201	232	49	)	)	PUNCT
ejif-11201	232	50	.	.	PUNCT
ejif-11201	233	1	jan	jan	PROPN
ejif-11201	233	2	,	,	PUNCT
ejif-11201	233	3	khan	khan	PROPN
ejif-11201	233	4	,	,	PUNCT
ejif-11201	233	5	and	and	CCONJ
ejif-11201	233	6	karimullah	karimullah	NOUN
ejif-11201	233	7	(	(	PUNCT
ejif-11201	233	8	2018	2018	NUM
ejif-11201	233	9	)	)	PUNCT
ejif-11201	233	10	also	also	ADV
ejif-11201	233	11	posited	posit	VERB
ejif-11201	233	12	that	that	SCONJ
ejif-11201	233	13	the	the	DET
ejif-11201	233	14	development	development	NOUN
ejif-11201	233	15	of	of	ADP
ejif-11201	233	16	islamic	islamic	ADJ
ejif-11201	233	17	finance	finance	PROPN
ejif-11201	233	18	and	and	CCONJ
ejif-11201	233	19	banking	banking	NOUN
ejif-11201	233	20	is	be	AUX
ejif-11201	233	21	making	make	VERB
ejif-11201	233	22	a	a	DET
ejif-11201	233	23	significant	significant	ADJ
ejif-11201	233	24	contribution	contribution	NOUN
ejif-11201	233	25	to	to	ADP
ejif-11201	233	26	the	the	DET
ejif-11201	233	27	sustainable	sustainable	ADJ
ejif-11201	233	28	development	development	NOUN
ejif-11201	233	29	goals	goal	NOUN
ejif-11201	233	30	of	of	ADP
ejif-11201	233	31	inclusivity	inclusivity	NOUN
ejif-11201	233	32	and	and	CCONJ
ejif-11201	233	33	poverty	poverty	NOUN
ejif-11201	233	34	alleviation	alleviation	NOUN
ejif-11201	233	35	.	.	PUNCT
ejif-11201	234	1	tlemsani	tlemsani	PROPN
ejif-11201	234	2	et	et	PROPN
ejif-11201	234	3	al	al	PROPN
ejif-11201	234	4	.	.	PROPN
ejif-11201	235	1	(	(	PUNCT
ejif-11201	235	2	2023	2023	NUM
ejif-11201	235	3	)	)	PUNCT
ejif-11201	235	4	also	also	ADV
ejif-11201	235	5	argued	argue	VERB
ejif-11201	235	6	that	that	SCONJ
ejif-11201	235	7	islamic	islamic	PROPN
ejif-11201	235	8	digital	digital	PROPN
ejif-11201	235	9	finance	finance	NOUN
ejif-11201	235	10	has	have	VERB
ejif-11201	235	11	the	the	DET
ejif-11201	235	12	potential	potential	NOUN
ejif-11201	235	13	to	to	PART
ejif-11201	235	14	contribute	contribute	VERB
ejif-11201	235	15	significantly	significantly	ADV
ejif-11201	235	16	to	to	ADP
ejif-11201	235	17	achieving	achieve	VERB
ejif-11201	235	18	the	the	DET
ejif-11201	235	19	un	un	PROPN
ejif-11201	235	20	sdgs	sdgs	PROPN
ejif-11201	235	21	by	by	ADP
ejif-11201	235	22	promoting	promote	VERB
ejif-11201	235	23	financial	financial	ADJ
ejif-11201	235	24	inclusion	inclusion	NOUN
ejif-11201	235	25	,	,	PUNCT
ejif-11201	235	26	encouraging	encourage	VERB
ejif-11201	235	27	ethical	ethical	ADJ
ejif-11201	235	28	investments	investment	NOUN
ejif-11201	235	29	,	,	PUNCT
ejif-11201	235	30	supporting	support	VERB
ejif-11201	235	31	small	small	ADJ
ejif-11201	235	32	and	and	CCONJ
ejif-11201	235	33	medium	medium	ADJ
ejif-11201	235	34	-	-	PUNCT
ejif-11201	235	35	sized	sized	ADJ
ejif-11201	235	36	enterprises	enterprise	NOUN
ejif-11201	235	37	,	,	PUNCT
ejif-11201	235	38	promoting	promote	VERB
ejif-11201	235	39	sustainable	sustainable	ADJ
ejif-11201	235	40	investments	investment	NOUN
ejif-11201	235	41	,	,	PUNCT
ejif-11201	235	42	and	and	CCONJ
ejif-11201	235	43	leveraging	leverage	VERB
ejif-11201	235	44	technology	technology	NOUN
ejif-11201	235	45	to	to	PART
ejif-11201	235	46	expand	expand	VERB
ejif-11201	235	47	access	access	NOUN
ejif-11201	235	48	to	to	ADP
ejif-11201	235	49	islamic	islamic	ADJ
ejif-11201	235	50	financial	financial	ADJ
ejif-11201	235	51	services	service	NOUN
ejif-11201	235	52	and	and	CCONJ
ejif-11201	235	53	support	support	VERB
ejif-11201	235	54	sustainable	sustainable	ADJ
ejif-11201	235	55	investments	investment	NOUN
ejif-11201	235	56	.	.	PUNCT
ejif-11201	236	1	in	in	ADP
ejif-11201	236	2	the	the	DET
ejif-11201	236	3	same	same	ADJ
ejif-11201	236	4	line	line	NOUN
ejif-11201	236	5	of	of	ADP
ejif-11201	236	6	argument	argument	NOUN
ejif-11201	236	7	are	be	AUX
ejif-11201	236	8	the	the	DET
ejif-11201	236	9	results	result	NOUN
ejif-11201	236	10	from	from	ADP
ejif-11201	236	11	a	a	DET
ejif-11201	236	12	study	study	NOUN
ejif-11201	236	13	carried	carry	VERB
ejif-11201	236	14	out	out	ADP
ejif-11201	236	15	by	by	ADP
ejif-11201	236	16	tajudin	tajudin	VERB
ejif-11201	236	17	et	et	PROPN
ejif-11201	236	18	al	al	PROPN
ejif-11201	236	19	.	.	PUNCT
ejif-11201	237	1	(	(	PUNCT
ejif-11201	237	2	2020	2020	NUM
ejif-11201	237	3	)	)	PUNCT
ejif-11201	237	4	,	,	PUNCT
ejif-11201	237	5	who	who	PRON
ejif-11201	237	6	posited	posit	VERB
ejif-11201	237	7	that	that	SCONJ
ejif-11201	237	8	islamic	islamic	ADJ
ejif-11201	237	9	fintech	fintech	NOUN
ejif-11201	237	10	in	in	ADP
ejif-11201	237	11	finland	finland	PROPN
ejif-11201	237	12	and	and	CCONJ
ejif-11201	237	13	malaysia	malaysia	PROPN
ejif-11201	237	14	offers	offer	VERB
ejif-11201	237	15	an	an	DET
ejif-11201	237	16	effective	effective	ADJ
ejif-11201	237	17	and	and	CCONJ
ejif-11201	237	18	efficient	efficient	ADJ
ejif-11201	237	19	alternative	alternative	NOUN
ejif-11201	237	20	for	for	ADP
ejif-11201	237	21	financing	finance	VERB
ejif-11201	237	22	underserved	underserved	ADJ
ejif-11201	237	23	individuals	individual	NOUN
ejif-11201	237	24	and	and	CCONJ
ejif-11201	237	25	enhances	enhance	VERB
ejif-11201	237	26	financial	financial	ADJ
ejif-11201	237	27	inclusion	inclusion	NOUN
ejif-11201	237	28	.	.	PUNCT
ejif-11201	238	1	this	this	PRON
ejif-11201	238	2	clearly	clearly	ADV
ejif-11201	238	3	reveals	reveal	VERB
ejif-11201	238	4	that	that	SCONJ
ejif-11201	238	5	the	the	DET
ejif-11201	238	6	islamic	islamic	ADJ
ejif-11201	238	7	financial	financial	ADJ
ejif-11201	238	8	system	system	NOUN
ejif-11201	238	9	has	have	AUX
ejif-11201	238	10	adopted	adopt	VERB
ejif-11201	238	11	financial	financial	ADJ
ejif-11201	238	12	technology	technology	NOUN
ejif-11201	238	13	that	that	PRON
ejif-11201	238	14	is	be	AUX
ejif-11201	238	15	playing	play	VERB
ejif-11201	238	16	a	a	DET
ejif-11201	238	17	significant	significant	ADJ
ejif-11201	238	18	role	role	NOUN
ejif-11201	238	19	in	in	ADP
ejif-11201	238	20	encouraging	encourage	VERB
ejif-11201	238	21	financial	financial	ADJ
ejif-11201	238	22	inclusion	inclusion	NOUN
ejif-11201	238	23	in	in	ADP
ejif-11201	238	24	the	the	DET
ejif-11201	238	25	two	two	NUM
ejif-11201	238	26	countries	country	NOUN
ejif-11201	238	27	.	.	PUNCT
ejif-11201	239	1	a	a	DET
ejif-11201	239	2	study	study	NOUN
ejif-11201	239	3	conducted	conduct	VERB
ejif-11201	239	4	by	by	ADP
ejif-11201	239	5	siddiqui	siddiqui	NOUN
ejif-11201	239	6	,	,	PUNCT
ejif-11201	239	7	naushad	naushad	VERB
ejif-11201	239	8	,	,	PUNCT
ejif-11201	239	9	and	and	CCONJ
ejif-11201	239	10	farooque	farooque	NOUN
ejif-11201	239	11	(	(	PUNCT
ejif-11201	239	12	2021	2021	NUM
ejif-11201	239	13	)	)	PUNCT
ejif-11201	239	14	in	in	ADP
ejif-11201	239	15	india	india	PROPN
ejif-11201	239	16	aimed	aim	VERB
ejif-11201	239	17	to	to	PART
ejif-11201	239	18	compare	compare	VERB
ejif-11201	239	19	participants	participant	NOUN
ejif-11201	239	20	'	'	PART
ejif-11201	239	21	preferences	preference	NOUN
ejif-11201	239	22	between	between	ADP
ejif-11201	239	23	conventional	conventional	ADJ
ejif-11201	239	24	finance	finance	NOUN
ejif-11201	239	25	and	and	CCONJ
ejif-11201	239	26	islamic	islamic	ADJ
ejif-11201	239	27	finance	finance	NOUN
ejif-11201	239	28	.	.	PUNCT
ejif-11201	240	1	the	the	DET
ejif-11201	240	2	results	result	NOUN
ejif-11201	240	3	showed	show	VERB
ejif-11201	240	4	that	that	SCONJ
ejif-11201	240	5	islamic	islamic	ADJ
ejif-11201	240	6	finance	finance	NOUN
ejif-11201	240	7	was	be	AUX
ejif-11201	240	8	chosen	choose	VERB
ejif-11201	240	9	by	by	ADP
ejif-11201	240	10	individuals	individual	NOUN
ejif-11201	240	11	,	,	PUNCT
ejif-11201	240	12	particularly	particularly	ADV
ejif-11201	240	13	muslims	muslim	NOUN
ejif-11201	240	14	,	,	PUNCT
ejif-11201	240	15	who	who	PRON
ejif-11201	240	16	had	have	VERB
ejif-11201	240	17	limited	limited	ADJ
ejif-11201	240	18	employment	employment	NOUN
ejif-11201	240	19	opportunities	opportunity	NOUN
ejif-11201	240	20	and	and	CCONJ
ejif-11201	240	21	insufficient	insufficient	ADJ
ejif-11201	240	22	income	income	NOUN
ejif-11201	240	23	.	.	PUNCT
ejif-11201	241	1	siddiqui	siddiqui	NOUN
ejif-11201	241	2	et	et	PROPN
ejif-11201	241	3	al	al	PROPN
ejif-11201	241	4	.	.	PROPN
ejif-11201	242	1	(	(	PUNCT
ejif-11201	242	2	2021	2021	NUM
ejif-11201	242	3	)	)	PUNCT
ejif-11201	242	4	recommended	recommend	VERB
ejif-11201	242	5	that	that	SCONJ
ejif-11201	242	6	the	the	DET
ejif-11201	242	7	extensive	extensive	ADJ
ejif-11201	242	8	formalization	formalization	NOUN
ejif-11201	242	9	of	of	ADP
ejif-11201	242	10	islamic	islamic	ADJ
ejif-11201	242	11	finance	finance	NOUN
ejif-11201	242	12	in	in	ADP
ejif-11201	242	13	india	india	PROPN
ejif-11201	242	14	will	will	AUX
ejif-11201	242	15	lead	lead	VERB
ejif-11201	242	16	to	to	ADP
ejif-11201	242	17	higher	high	ADJ
ejif-11201	242	18	financial	financial	ADJ
ejif-11201	242	19	inclusion	inclusion	NOUN
ejif-11201	242	20	.	.	PUNCT
ejif-11201	243	1	in	in	ADP
ejif-11201	243	2	light	light	NOUN
ejif-11201	243	3	of	of	ADP
ejif-11201	243	4	this	this	DET
ejif-11201	243	5	observation	observation	NOUN
ejif-11201	243	6	,	,	PUNCT
ejif-11201	243	7	islamic	islamic	ADJ
ejif-11201	243	8	european	european	PROPN
ejif-11201	243	9	journal	journal	PROPN
ejif-11201	243	10	of	of	ADP
ejif-11201	243	11	islamic	islamic	PROPN
ejif-11201	243	12	finance	finance	PROPN
ejif-11201	243	13	issn	issn	PROPN
ejif-11201	243	14	:	:	PUNCT
ejif-11201	243	15	2421	2421	NUM
ejif-11201	243	16	-	-	SYM
ejif-11201	243	17	2172	2172	NUM
ejif-11201	243	18	doi	doi	NOUN
ejif-11201	243	19	:	:	PUNCT
ejif-11201	243	20	10.13135/2421	10.13135/2421	NUM
ejif-11201	243	21	-	-	SYM
ejif-11201	243	22	2172/11201	2172/11201	NUM
ejif-11201	243	23	published	publish	VERB
ejif-11201	243	24	by	by	ADP
ejif-11201	243	25	university	university	PROPN
ejif-11201	243	26	of	of	ADP
ejif-11201	243	27	turin	turin	PROPN
ejif-11201	244	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	244	2	ejif	ejif	PROPN
ejif-11201	244	3	content	content	NOUN
ejif-11201	244	4	is	be	AUX
ejif-11201	244	5	licensed	license	VERB
ejif-11201	244	6	under	under	ADP
ejif-11201	244	7	a	a	DET
ejif-11201	244	8	creative	creative	ADJ
ejif-11201	244	9	commons	common	NOUN
ejif-11201	244	10	attribution	attribution	NOUN
ejif-11201	244	11	4.0	4.0	NUM
ejif-11201	244	12	international	international	ADJ
ejif-11201	244	13	license	license	NOUN
ejif-11201	244	14	84	84	NUM
ejif-11201	244	15	finance	finance	NOUN
ejif-11201	244	16	has	have	AUX
ejif-11201	244	17	been	be	AUX
ejif-11201	244	18	found	find	VERB
ejif-11201	244	19	to	to	PART
ejif-11201	244	20	contribute	contribute	VERB
ejif-11201	244	21	significantly	significantly	ADV
ejif-11201	244	22	to	to	ADP
ejif-11201	244	23	the	the	DET
ejif-11201	244	24	financial	financial	ADJ
ejif-11201	244	25	inclusion	inclusion	NOUN
ejif-11201	244	26	of	of	ADP
ejif-11201	244	27	a	a	DET
ejif-11201	244	28	substantial	substantial	ADJ
ejif-11201	244	29	number	number	NOUN
ejif-11201	244	30	of	of	ADP
ejif-11201	244	31	people	people	NOUN
ejif-11201	244	32	in	in	ADP
ejif-11201	244	33	india	india	PROPN
ejif-11201	244	34	.	.	PUNCT
ejif-11201	245	1	the	the	DET
ejif-11201	245	2	findings	finding	NOUN
ejif-11201	245	3	by	by	ADP
ejif-11201	245	4	siddiqui	siddiqui	NOUN
ejif-11201	245	5	et	et	PROPN
ejif-11201	245	6	al	al	PROPN
ejif-11201	245	7	(	(	PUNCT
ejif-11201	245	8	2021	2021	NUM
ejif-11201	245	9	)	)	PUNCT
ejif-11201	245	10	agree	agree	VERB
ejif-11201	245	11	well	well	ADV
ejif-11201	245	12	with	with	ADP
ejif-11201	245	13	the	the	DET
ejif-11201	245	14	findings	finding	NOUN
ejif-11201	245	15	of	of	ADP
ejif-11201	245	16	a	a	DET
ejif-11201	245	17	study	study	NOUN
ejif-11201	245	18	by	by	ADP
ejif-11201	245	19	karlan	karlan	PROPN
ejif-11201	245	20	,	,	PUNCT
ejif-11201	245	21	osman	osman	NOUN
ejif-11201	245	22	,	,	PUNCT
ejif-11201	245	23	and	and	CCONJ
ejif-11201	245	24	shammout	shammout	NOUN
ejif-11201	245	25	(	(	PUNCT
ejif-11201	245	26	2021	2021	NUM
ejif-11201	245	27	)	)	PUNCT
ejif-11201	245	28	,	,	PUNCT
ejif-11201	245	29	who	who	PRON
ejif-11201	245	30	discovered	discover	VERB
ejif-11201	245	31	that	that	SCONJ
ejif-11201	245	32	the	the	DET
ejif-11201	245	33	introduction	introduction	NOUN
ejif-11201	245	34	of	of	ADP
ejif-11201	245	35	sharia	sharia	NOUN
ejif-11201	245	36	-	-	PUNCT
ejif-11201	245	37	compliant	compliant	ADJ
ejif-11201	245	38	financial	financial	ADJ
ejif-11201	245	39	institutions	institution	NOUN
ejif-11201	245	40	in	in	ADP
ejif-11201	245	41	jordan	jordan	PROPN
ejif-11201	245	42	increased	increase	VERB
ejif-11201	245	43	the	the	DET
ejif-11201	245	44	application	application	NOUN
ejif-11201	245	45	rate	rate	NOUN
ejif-11201	245	46	for	for	ADP
ejif-11201	245	47	loans	loan	NOUN
ejif-11201	245	48	from	from	ADP
ejif-11201	245	49	18	18	NUM
ejif-11201	245	50	percent	percent	NOUN
ejif-11201	245	51	to	to	ADP
ejif-11201	245	52	22	22	NUM
ejif-11201	245	53	percent	percent	NOUN
ejif-11201	245	54	,	,	PUNCT
ejif-11201	245	55	an	an	DET
ejif-11201	245	56	increase	increase	NOUN
ejif-11201	245	57	in	in	ADP
ejif-11201	245	58	demand	demand	NOUN
ejif-11201	245	59	that	that	PRON
ejif-11201	245	60	is	be	AUX
ejif-11201	245	61	equivalent	equivalent	ADJ
ejif-11201	245	62	to	to	ADP
ejif-11201	245	63	a	a	DET
ejif-11201	245	64	10	10	NUM
ejif-11201	245	65	percent	percent	NOUN
ejif-11201	245	66	decrease	decrease	NOUN
ejif-11201	245	67	in	in	ADP
ejif-11201	245	68	interest	interest	NOUN
ejif-11201	245	69	rates	rate	NOUN
ejif-11201	245	70	.	.	PUNCT
ejif-11201	246	1	this	this	PRON
ejif-11201	246	2	clearly	clearly	ADV
ejif-11201	246	3	reveals	reveal	VERB
ejif-11201	246	4	that	that	SCONJ
ejif-11201	246	5	islamic	islamic	PROPN
ejif-11201	246	6	finance	finance	NOUN
ejif-11201	246	7	plays	play	VERB
ejif-11201	246	8	a	a	DET
ejif-11201	246	9	significant	significant	ADJ
ejif-11201	246	10	role	role	NOUN
ejif-11201	246	11	in	in	ADP
ejif-11201	246	12	promoting	promote	VERB
ejif-11201	246	13	financial	financial	ADJ
ejif-11201	246	14	inclusion	inclusion	NOUN
ejif-11201	246	15	in	in	ADP
ejif-11201	246	16	areas	area	NOUN
ejif-11201	246	17	where	where	SCONJ
ejif-11201	246	18	religion	religion	NOUN
ejif-11201	246	19	is	be	AUX
ejif-11201	246	20	a	a	DET
ejif-11201	246	21	barrier	barrier	NOUN
ejif-11201	246	22	to	to	AUX
ejif-11201	246	23	mainstream	mainstream	VERB
ejif-11201	246	24	financial	financial	ADJ
ejif-11201	246	25	participation	participation	NOUN
ejif-11201	246	26	.	.	PUNCT
ejif-11201	247	1	the	the	DET
ejif-11201	247	2	same	same	ADJ
ejif-11201	247	3	observation	observation	NOUN
ejif-11201	247	4	was	be	AUX
ejif-11201	247	5	also	also	ADV
ejif-11201	247	6	made	make	VERB
ejif-11201	247	7	by	by	ADP
ejif-11201	247	8	shaikah	shaikah	PROPN
ejif-11201	247	9	(	(	PUNCT
ejif-11201	247	10	2023	2023	NUM
ejif-11201	247	11	)	)	PUNCT
ejif-11201	247	12	,	,	PUNCT
ejif-11201	247	13	who	who	PRON
ejif-11201	247	14	conducted	conduct	VERB
ejif-11201	247	15	a	a	DET
ejif-11201	247	16	study	study	NOUN
ejif-11201	247	17	in	in	ADP
ejif-11201	247	18	pakistan	pakistan	PROPN
ejif-11201	247	19	and	and	CCONJ
ejif-11201	247	20	found	find	VERB
ejif-11201	247	21	that	that	SCONJ
ejif-11201	247	22	islamic	islamic	ADJ
ejif-11201	247	23	banks	bank	NOUN
ejif-11201	247	24	are	be	AUX
ejif-11201	247	25	facilitating	facilitate	VERB
ejif-11201	247	26	financial	financial	ADJ
ejif-11201	247	27	inclusion	inclusion	NOUN
ejif-11201	247	28	for	for	ADP
ejif-11201	247	29	those	those	PRON
ejif-11201	247	30	who	who	PRON
ejif-11201	247	31	wish	wish	VERB
ejif-11201	247	32	to	to	PART
ejif-11201	247	33	avoid	avoid	VERB
ejif-11201	247	34	ribā	ribā	ADJ
ejif-11201	247	35	.	.	PUNCT
ejif-11201	248	1	however	however	ADV
ejif-11201	248	2	,	,	PUNCT
ejif-11201	248	3	shaikah	shaikah	PROPN
ejif-11201	248	4	(	(	PUNCT
ejif-11201	248	5	2023	2023	NUM
ejif-11201	248	6	)	)	PUNCT
ejif-11201	248	7	emphasized	emphasize	VERB
ejif-11201	248	8	the	the	DET
ejif-11201	248	9	need	need	NOUN
ejif-11201	248	10	for	for	ADP
ejif-11201	248	11	concerted	concerted	ADJ
ejif-11201	248	12	efforts	effort	NOUN
ejif-11201	248	13	to	to	PART
ejif-11201	248	14	enhance	enhance	VERB
ejif-11201	248	15	competitiveness	competitiveness	NOUN
ejif-11201	248	16	and	and	CCONJ
ejif-11201	248	17	distinguish	distinguish	VERB
ejif-11201	248	18	islamic	islamic	ADJ
ejif-11201	248	19	financial	financial	ADJ
ejif-11201	248	20	products	product	NOUN
ejif-11201	248	21	in	in	ADP
ejif-11201	248	22	pakistan	pakistan	PROPN
ejif-11201	248	23	regarding	regard	VERB
ejif-11201	248	24	their	their	PRON
ejif-11201	248	25	distributional	distributional	ADJ
ejif-11201	248	26	impact	impact	NOUN
ejif-11201	248	27	.	.	PUNCT
ejif-11201	249	1	ali	ali	PROPN
ejif-11201	249	2	,	,	PUNCT
ejif-11201	249	3	sakti	sakti	PROPN
ejif-11201	249	4	,	,	PUNCT
ejif-11201	249	5	and	and	CCONJ
ejif-11201	249	6	devi	devi	PROPN
ejif-11201	249	7	(	(	PUNCT
ejif-11201	249	8	2019	2019	NUM
ejif-11201	249	9	)	)	PUNCT
ejif-11201	249	10	conducted	conduct	VERB
ejif-11201	249	11	a	a	DET
ejif-11201	249	12	study	study	NOUN
ejif-11201	249	13	to	to	PART
ejif-11201	249	14	measure	measure	VERB
ejif-11201	249	15	an	an	DET
ejif-11201	249	16	islamic	islamic	ADJ
ejif-11201	249	17	financial	financial	ADJ
ejif-11201	249	18	inclusion	inclusion	NOUN
ejif-11201	249	19	index	index	NOUN
ejif-11201	249	20	in	in	ADP
ejif-11201	249	21	indonesia	indonesia	PROPN
ejif-11201	249	22	,	,	PUNCT
ejif-11201	249	23	based	base	VERB
ejif-11201	249	24	on	on	ADP
ejif-11201	249	25	three	three	NUM
ejif-11201	249	26	dimensions	dimension	NOUN
ejif-11201	249	27	:	:	PUNCT
ejif-11201	249	28	accessibility	accessibility	NOUN
ejif-11201	249	29	,	,	PUNCT
ejif-11201	249	30	availability	availability	NOUN
ejif-11201	249	31	,	,	PUNCT
ejif-11201	249	32	and	and	CCONJ
ejif-11201	249	33	usage	usage	NOUN
ejif-11201	249	34	of	of	ADP
ejif-11201	249	35	islamic	islamic	ADJ
ejif-11201	249	36	banking	banking	NOUN
ejif-11201	249	37	services	service	NOUN
ejif-11201	249	38	.	.	PUNCT
ejif-11201	250	1	the	the	DET
ejif-11201	250	2	study	study	NOUN
ejif-11201	250	3	by	by	ADP
ejif-11201	250	4	ali	ali	PROPN
ejif-11201	250	5	et	et	PROPN
ejif-11201	250	6	al	al	PROPN
ejif-11201	250	7	(	(	PUNCT
ejif-11201	250	8	2019	2019	NUM
ejif-11201	250	9	)	)	PUNCT
ejif-11201	250	10	found	find	VERB
ejif-11201	250	11	that	that	SCONJ
ejif-11201	250	12	the	the	DET
ejif-11201	250	13	level	level	NOUN
ejif-11201	250	14	of	of	ADP
ejif-11201	250	15	islamic	islamic	ADJ
ejif-11201	250	16	financial	financial	ADJ
ejif-11201	250	17	inclusion	inclusion	NOUN
ejif-11201	250	18	in	in	ADP
ejif-11201	250	19	indonesia	indonesia	PROPN
ejif-11201	250	20	is	be	AUX
ejif-11201	250	21	relatively	relatively	ADV
ejif-11201	250	22	low	low	ADJ
ejif-11201	250	23	at	at	ADP
ejif-11201	250	24	the	the	DET
ejif-11201	250	25	national	national	ADJ
ejif-11201	250	26	level	level	NOUN
ejif-11201	250	27	.	.	PUNCT
ejif-11201	251	1	the	the	DET
ejif-11201	251	2	findings	finding	NOUN
ejif-11201	251	3	also	also	ADV
ejif-11201	251	4	revealed	reveal	VERB
ejif-11201	251	5	a	a	DET
ejif-11201	251	6	positive	positive	ADJ
ejif-11201	251	7	correlation	correlation	NOUN
ejif-11201	251	8	between	between	ADP
ejif-11201	251	9	the	the	DET
ejif-11201	251	10	islamic	islamic	ADJ
ejif-11201	251	11	financial	financial	PROPN
ejif-11201	251	12	inclusion	inclusion	NOUN
ejif-11201	251	13	index	index	NOUN
ejif-11201	251	14	and	and	CCONJ
ejif-11201	251	15	the	the	DET
ejif-11201	251	16	human	human	PROPN
ejif-11201	251	17	development	development	PROPN
ejif-11201	251	18	index	index	PROPN
ejif-11201	251	19	.	.	PUNCT
ejif-11201	252	1	as	as	ADP
ejif-11201	252	2	a	a	DET
ejif-11201	252	3	result	result	NOUN
ejif-11201	252	4	of	of	ADP
ejif-11201	252	5	the	the	DET
ejif-11201	252	6	research	research	NOUN
ejif-11201	252	7	findings	finding	NOUN
ejif-11201	252	8	,	,	PUNCT
ejif-11201	252	9	ali	ali	PROPN
ejif-11201	252	10	et	et	PROPN
ejif-11201	252	11	al	al	PROPN
ejif-11201	252	12	(	(	PUNCT
ejif-11201	252	13	2019	2019	NUM
ejif-11201	252	14	)	)	PUNCT
ejif-11201	252	15	suggested	suggest	VERB
ejif-11201	252	16	that	that	SCONJ
ejif-11201	252	17	both	both	PRON
ejif-11201	252	18	policymakers	policymaker	NOUN
ejif-11201	252	19	and	and	CCONJ
ejif-11201	252	20	the	the	DET
ejif-11201	252	21	islamic	islamic	ADJ
ejif-11201	252	22	financial	financial	ADJ
ejif-11201	252	23	industry	industry	NOUN
ejif-11201	252	24	should	should	AUX
ejif-11201	252	25	play	play	VERB
ejif-11201	252	26	a	a	DET
ejif-11201	252	27	greater	great	ADJ
ejif-11201	252	28	role	role	NOUN
ejif-11201	252	29	in	in	ADP
ejif-11201	252	30	improving	improve	VERB
ejif-11201	252	31	financial	financial	ADJ
ejif-11201	252	32	access	access	NOUN
ejif-11201	252	33	to	to	ADP
ejif-11201	252	34	low	low	ADJ
ejif-11201	252	35	-	-	PUNCT
ejif-11201	252	36	income	income	NOUN
ejif-11201	252	37	segments	segment	NOUN
ejif-11201	252	38	.	.	PUNCT
ejif-11201	253	1	the	the	DET
ejif-11201	253	2	findings	finding	NOUN
ejif-11201	253	3	by	by	ADP
ejif-11201	253	4	ali	ali	PROPN
ejif-11201	253	5	et	et	PROPN
ejif-11201	253	6	al	al	PROPN
ejif-11201	253	7	.	.	PROPN
ejif-11201	253	8	(	(	PUNCT
ejif-11201	253	9	2019	2019	NUM
ejif-11201	253	10	)	)	PUNCT
ejif-11201	253	11	are	be	AUX
ejif-11201	253	12	consistent	consistent	ADJ
ejif-11201	253	13	with	with	ADP
ejif-11201	253	14	those	those	PRON
ejif-11201	253	15	from	from	ADP
ejif-11201	253	16	a	a	DET
ejif-11201	253	17	study	study	NOUN
ejif-11201	253	18	by	by	ADP
ejif-11201	253	19	khmous	khmous	ADJ
ejif-11201	253	20	and	and	CCONJ
ejif-11201	253	21	besim	besim	ADJ
ejif-11201	253	22	(	(	PUNCT
ejif-11201	253	23	2020	2020	NUM
ejif-11201	253	24	)	)	PUNCT
ejif-11201	253	25	,	,	PUNCT
ejif-11201	253	26	who	who	PRON
ejif-11201	253	27	argued	argue	VERB
ejif-11201	253	28	that	that	SCONJ
ejif-11201	253	29	although	although	SCONJ
ejif-11201	253	30	islamic	islamic	ADJ
ejif-11201	253	31	financial	financial	ADJ
ejif-11201	253	32	institutions	institution	NOUN
ejif-11201	253	33	’	'	PUNCT
ejif-11201	253	34	products	product	NOUN
ejif-11201	253	35	play	play	VERB
ejif-11201	253	36	a	a	DET
ejif-11201	253	37	significant	significant	ADJ
ejif-11201	253	38	role	role	NOUN
ejif-11201	253	39	,	,	PUNCT
ejif-11201	253	40	financial	financial	ADJ
ejif-11201	253	41	inclusion	inclusion	NOUN
ejif-11201	253	42	in	in	ADP
ejif-11201	253	43	mena	mena	PROPN
ejif-11201	253	44	countries	country	NOUN
ejif-11201	253	45	remains	remain	VERB
ejif-11201	253	46	very	very	ADV
ejif-11201	253	47	low	low	ADJ
ejif-11201	253	48	.	.	PUNCT
ejif-11201	254	1	this	this	PRON
ejif-11201	254	2	serves	serve	VERB
ejif-11201	254	3	as	as	ADP
ejif-11201	254	4	a	a	DET
ejif-11201	254	5	call	call	NOUN
ejif-11201	254	6	for	for	SCONJ
ejif-11201	254	7	policymakers	policymaker	NOUN
ejif-11201	254	8	to	to	PART
ejif-11201	254	9	make	make	VERB
ejif-11201	254	10	efforts	effort	NOUN
ejif-11201	254	11	to	to	PART
ejif-11201	254	12	promote	promote	VERB
ejif-11201	254	13	islamic	islamic	ADJ
ejif-11201	254	14	finance	finance	NOUN
ejif-11201	254	15	as	as	ADP
ejif-11201	254	16	a	a	DET
ejif-11201	254	17	vehicle	vehicle	NOUN
ejif-11201	254	18	for	for	ADP
ejif-11201	254	19	fostering	foster	VERB
ejif-11201	254	20	financial	financial	ADJ
ejif-11201	254	21	inclusivity	inclusivity	NOUN
ejif-11201	254	22	in	in	ADP
ejif-11201	254	23	societies	society	NOUN
ejif-11201	254	24	.	.	PUNCT
ejif-11201	255	1	abdul	abdul	PROPN
ejif-11201	255	2	and	and	CCONJ
ejif-11201	255	3	asutay	asutay	PROPN
ejif-11201	255	4	(	(	PUNCT
ejif-11201	255	5	2022	2022	NUM
ejif-11201	255	6	)	)	PUNCT
ejif-11201	255	7	investigated	investigate	VERB
ejif-11201	255	8	the	the	DET
ejif-11201	255	9	role	role	NOUN
ejif-11201	255	10	that	that	PRON
ejif-11201	255	11	islamic	islamic	ADJ
ejif-11201	255	12	pawn	pawn	NOUN
ejif-11201	255	13	broking	broking	NOUN
ejif-11201	255	14	or	or	CCONJ
ejif-11201	255	15	ar	ar	PROPN
ejif-11201	255	16	-	-	PROPN
ejif-11201	255	17	rahn	rahn	PROPN
ejif-11201	255	18	financing	financing	NOUN
ejif-11201	255	19	facility	facility	NOUN
ejif-11201	255	20	has	have	AUX
ejif-11201	255	21	played	play	VERB
ejif-11201	255	22	in	in	ADP
ejif-11201	255	23	improving	improve	VERB
ejif-11201	255	24	the	the	DET
ejif-11201	255	25	financial	financial	ADJ
ejif-11201	255	26	inclusion	inclusion	NOUN
ejif-11201	255	27	and	and	CCONJ
ejif-11201	255	28	well	well	ADV
ejif-11201	255	29	-	-	PUNCT
ejif-11201	255	30	being	being	NOUN
ejif-11201	255	31	of	of	ADP
ejif-11201	255	32	society	society	NOUN
ejif-11201	255	33	.	.	PUNCT
ejif-11201	256	1	the	the	DET
ejif-11201	256	2	findings	finding	NOUN
ejif-11201	256	3	demonstrate	demonstrate	VERB
ejif-11201	256	4	that	that	SCONJ
ejif-11201	256	5	financial	financial	ADJ
ejif-11201	256	6	inclusion	inclusion	NOUN
ejif-11201	256	7	through	through	ADP
ejif-11201	256	8	patronizing	patronize	VERB
ejif-11201	256	9	ar	ar	PROPN
ejif-11201	256	10	-	-	PROPN
ejif-11201	256	11	rahn	rahn	PROPN
ejif-11201	256	12	has	have	AUX
ejif-11201	256	13	significantly	significantly	ADV
ejif-11201	256	14	improved	improve	VERB
ejif-11201	256	15	the	the	DET
ejif-11201	256	16	well	well	ADV
ejif-11201	256	17	-	-	PUNCT
ejif-11201	256	18	being	being	NOUN
ejif-11201	256	19	of	of	ADP
ejif-11201	256	20	the	the	DET
ejif-11201	256	21	clients	client	NOUN
ejif-11201	256	22	.	.	PUNCT
ejif-11201	257	1	the	the	DET
ejif-11201	257	2	usage	usage	NOUN
ejif-11201	257	3	of	of	ADP
ejif-11201	257	4	ar	ar	PROPN
ejif-11201	257	5	-	-	PROPN
ejif-11201	257	6	rahn	rahn	PROPN
ejif-11201	257	7	financing	financing	NOUN
ejif-11201	257	8	for	for	ADP
ejif-11201	257	9	production	production	NOUN
ejif-11201	257	10	purposes	purpose	NOUN
ejif-11201	257	11	related	relate	VERB
ejif-11201	257	12	to	to	ADP
ejif-11201	257	13	economic	economic	ADJ
ejif-11201	257	14	activity	activity	NOUN
ejif-11201	257	15	is	be	AUX
ejif-11201	257	16	significant	significant	ADJ
ejif-11201	257	17	in	in	ADP
ejif-11201	257	18	enhancing	enhance	VERB
ejif-11201	257	19	individual	individual	ADJ
ejif-11201	257	20	well	well	ADV
ejif-11201	257	21	-	-	PUNCT
ejif-11201	257	22	being	being	NOUN
ejif-11201	257	23	,	,	PUNCT
ejif-11201	257	24	resulting	result	VERB
ejif-11201	257	25	in	in	ADP
ejif-11201	257	26	micro	micro	NOUN
ejif-11201	257	27	-	-	NOUN
ejif-11201	257	28	balancing	balance	VERB
ejif-11201	257	29	and	and	CCONJ
ejif-11201	257	30	improving	improve	VERB
ejif-11201	257	31	the	the	DET
ejif-11201	257	32	financial	financial	ADJ
ejif-11201	257	33	and	and	CCONJ
ejif-11201	257	34	socio	socio	NOUN
ejif-11201	257	35	-	-	PUNCT
ejif-11201	257	36	economic	economic	ADJ
ejif-11201	257	37	development	development	NOUN
ejif-11201	257	38	(	(	PUNCT
ejif-11201	257	39	abdul	abdul	PROPN
ejif-11201	257	40	and	and	CCONJ
ejif-11201	257	41	asutay	asutay	NOUN
ejif-11201	257	42	,	,	PUNCT
ejif-11201	257	43	2022	2022	NUM
ejif-11201	257	44	)	)	PUNCT
ejif-11201	257	45	.	.	PUNCT
ejif-11201	258	1	abdul	abdul	PROPN
ejif-11201	258	2	and	and	CCONJ
ejif-11201	258	3	asutay	asutay	PROPN
ejif-11201	258	4	(	(	PUNCT
ejif-11201	258	5	2022	2022	NUM
ejif-11201	258	6	)	)	PUNCT
ejif-11201	258	7	also	also	ADV
ejif-11201	258	8	concluded	conclude	VERB
ejif-11201	258	9	that	that	SCONJ
ejif-11201	258	10	ar	ar	PROPN
ejif-11201	258	11	-	-	PROPN
ejif-11201	258	12	rahn	rahn	PROPN
ejif-11201	258	13	helps	helps	AUX
ejif-11201	258	14	overcome	overcome	VERB
ejif-11201	258	15	voluntary	voluntary	ADJ
ejif-11201	258	16	financial	financial	ADJ
ejif-11201	258	17	exclusion	exclusion	NOUN
ejif-11201	258	18	due	due	ADP
ejif-11201	258	19	to	to	ADP
ejif-11201	258	20	shari'ah	shari'ah	ADJ
ejif-11201	258	21	compliance	compliance	NOUN
ejif-11201	258	22	in	in	ADP
ejif-11201	258	23	the	the	DET
ejif-11201	258	24	face	face	NOUN
ejif-11201	258	25	of	of	ADP
ejif-11201	258	26	the	the	DET
ejif-11201	258	27	social	social	ADJ
ejif-11201	258	28	failure	failure	NOUN
ejif-11201	258	29	of	of	ADP
ejif-11201	258	30	islamic	islamic	ADJ
ejif-11201	258	31	banking	banking	NOUN
ejif-11201	258	32	,	,	PUNCT
ejif-11201	258	33	which	which	PRON
ejif-11201	258	34	then	then	ADV
ejif-11201	258	35	contributes	contribute	VERB
ejif-11201	258	36	to	to	ADP
ejif-11201	258	37	the	the	DET
ejif-11201	258	38	clients	client	NOUN
ejif-11201	258	39	'	'	PART
ejif-11201	258	40	lives	life	NOUN
ejif-11201	258	41	in	in	ADP
ejif-11201	258	42	their	their	PRON
ejif-11201	258	43	everydayness	everydayness	NOUN
ejif-11201	258	44	,	,	PUNCT
ejif-11201	258	45	particularly	particularly	ADV
ejif-11201	258	46	those	those	PRON
ejif-11201	258	47	with	with	ADP
ejif-11201	258	48	nonliquid	nonliquid	ADJ
ejif-11201	258	49	small	small	ADJ
ejif-11201	258	50	assets	asset	NOUN
ejif-11201	258	51	kept	keep	VERB
ejif-11201	258	52	for	for	ADP
ejif-11201	258	53	security	security	NOUN
ejif-11201	258	54	purposes	purpose	NOUN
ejif-11201	258	55	.	.	PUNCT
ejif-11201	259	1	a	a	DET
ejif-11201	259	2	study	study	NOUN
ejif-11201	259	3	conducted	conduct	VERB
ejif-11201	259	4	by	by	ADP
ejif-11201	259	5	hadji	hadji	PROPN
ejif-11201	259	6	(	(	PUNCT
ejif-11201	259	7	2021	2021	NUM
ejif-11201	259	8	)	)	PUNCT
ejif-11201	259	9	in	in	ADP
ejif-11201	259	10	the	the	DET
ejif-11201	259	11	philippines	philippine	NOUN
ejif-11201	259	12	to	to	PART
ejif-11201	259	13	explore	explore	VERB
ejif-11201	259	14	the	the	DET
ejif-11201	259	15	knowledge	knowledge	NOUN
ejif-11201	259	16	and	and	CCONJ
ejif-11201	259	17	attitudes	attitude	NOUN
ejif-11201	259	18	of	of	ADP
ejif-11201	259	19	the	the	DET
ejif-11201	259	20	muslim	muslim	ADJ
ejif-11201	259	21	society	society	NOUN
ejif-11201	259	22	toward	toward	ADP
ejif-11201	259	23	islamic	islamic	ADJ
ejif-11201	259	24	banking	banking	NOUN
ejif-11201	259	25	revealed	reveal	VERB
ejif-11201	259	26	that	that	SCONJ
ejif-11201	259	27	the	the	DET
ejif-11201	259	28	attitudes	attitude	NOUN
ejif-11201	259	29	of	of	ADP
ejif-11201	259	30	the	the	DET
ejif-11201	259	31	muslim	muslim	ADJ
ejif-11201	259	32	society	society	NOUN
ejif-11201	259	33	toward	toward	ADP
ejif-11201	259	34	islamic	islamic	ADJ
ejif-11201	259	35	banking	banking	NOUN
ejif-11201	259	36	are	be	AUX
ejif-11201	259	37	favorable	favorable	ADJ
ejif-11201	259	38	,	,	PUNCT
ejif-11201	259	39	explaining	explain	VERB
ejif-11201	259	40	why	why	SCONJ
ejif-11201	259	41	it	it	PRON
ejif-11201	259	42	plays	play	VERB
ejif-11201	259	43	a	a	DET
ejif-11201	259	44	significant	significant	ADJ
ejif-11201	259	45	role	role	NOUN
ejif-11201	259	46	in	in	ADP
ejif-11201	259	47	fostering	foster	VERB
ejif-11201	259	48	financial	financial	ADJ
ejif-11201	259	49	inclusion	inclusion	NOUN
ejif-11201	259	50	.	.	PUNCT
ejif-11201	260	1	in	in	ADP
ejif-11201	260	2	line	line	NOUN
ejif-11201	260	3	with	with	ADP
ejif-11201	260	4	the	the	DET
ejif-11201	260	5	findings	finding	NOUN
ejif-11201	260	6	of	of	ADP
ejif-11201	260	7	a	a	DET
ejif-11201	260	8	study	study	NOUN
ejif-11201	260	9	by	by	ADP
ejif-11201	260	10	hadji	hadji	PROPN
ejif-11201	260	11	(	(	PUNCT
ejif-11201	260	12	2021	2021	NUM
ejif-11201	260	13	)	)	PUNCT
ejif-11201	260	14	,	,	PUNCT
ejif-11201	260	15	a	a	DET
ejif-11201	260	16	study	study	NOUN
ejif-11201	260	17	by	by	ADP
ejif-11201	260	18	hamzat	hamzat	PROPN
ejif-11201	260	19	and	and	CCONJ
ejif-11201	260	20	nwanko	nwanko	ADJ
ejif-11201	260	21	(	(	PUNCT
ejif-11201	260	22	2023	2023	NUM
ejif-11201	260	23	)	)	PUNCT
ejif-11201	260	24	discovered	discover	VERB
ejif-11201	260	25	that	that	SCONJ
ejif-11201	260	26	unbanked	unbanked	ADJ
ejif-11201	260	27	muslim	muslim	ADJ
ejif-11201	260	28	women	woman	NOUN
ejif-11201	260	29	in	in	ADP
ejif-11201	260	30	lagos	lagos	PROPN
ejif-11201	260	31	(	(	PUNCT
ejif-11201	260	32	nigeria	nigeria	X
ejif-11201	260	33	)	)	PUNCT
ejif-11201	260	34	are	be	AUX
ejif-11201	260	35	aware	aware	ADJ
ejif-11201	260	36	of	of	ADP
ejif-11201	260	37	islamic	islamic	ADJ
ejif-11201	260	38	banks	bank	NOUN
ejif-11201	260	39	’	'	PUNCT
ejif-11201	260	40	product	product	NOUN
ejif-11201	260	41	offerings	offering	NOUN
ejif-11201	260	42	and	and	CCONJ
ejif-11201	260	43	are	be	AUX
ejif-11201	260	44	willing	willing	ADJ
ejif-11201	260	45	to	to	PART
ejif-11201	260	46	open	open	VERB
ejif-11201	260	47	an	an	DET
ejif-11201	260	48	account	account	NOUN
ejif-11201	260	49	with	with	ADP
ejif-11201	260	50	an	an	DET
ejif-11201	260	51	islamic	islamic	ADJ
ejif-11201	260	52	bank	bank	NOUN
ejif-11201	260	53	.	.	PUNCT
ejif-11201	261	1	this	this	PRON
ejif-11201	261	2	aligns	align	VERB
ejif-11201	261	3	with	with	ADP
ejif-11201	261	4	the	the	DET
ejif-11201	261	5	existing	exist	VERB
ejif-11201	261	6	literature	literature	NOUN
ejif-11201	261	7	evidence	evidence	NOUN
ejif-11201	261	8	that	that	SCONJ
ejif-11201	261	9	islamic	islamic	ADJ
ejif-11201	261	10	finance	finance	NOUN
ejif-11201	261	11	can	can	AUX
ejif-11201	261	12	enhance	enhance	VERB
ejif-11201	261	13	financial	financial	ADJ
ejif-11201	261	14	inclusion	inclusion	NOUN
ejif-11201	261	15	.	.	PUNCT
ejif-11201	262	1	hadji	hadji	PROPN
ejif-11201	262	2	(	(	PUNCT
ejif-11201	262	3	2021	2021	NUM
ejif-11201	262	4	)	)	PUNCT
ejif-11201	262	5	posited	posit	VERB
ejif-11201	262	6	that	that	SCONJ
ejif-11201	262	7	attitudes	attitude	NOUN
ejif-11201	262	8	towards	towards	ADP
ejif-11201	262	9	islamic	islamic	ADJ
ejif-11201	262	10	finance	finance	NOUN
ejif-11201	262	11	in	in	ADP
ejif-11201	262	12	the	the	DET
ejif-11201	262	13	philippines	philippine	NOUN
ejif-11201	262	14	are	be	AUX
ejif-11201	262	15	influenced	influence	VERB
ejif-11201	262	16	by	by	ADP
ejif-11201	262	17	the	the	DET
ejif-11201	262	18	opportunities	opportunity	NOUN
ejif-11201	262	19	that	that	PRON
ejif-11201	262	20	islamic	islamic	ADJ
ejif-11201	262	21	banking	banking	NOUN
ejif-11201	262	22	can	can	AUX
ejif-11201	262	23	provide	provide	VERB
ejif-11201	262	24	to	to	ADP
ejif-11201	262	25	society	society	NOUN
ejif-11201	262	26	,	,	PUNCT
ejif-11201	262	27	religious	religious	ADJ
ejif-11201	262	28	motivation	motivation	NOUN
ejif-11201	262	29	,	,	PUNCT
ejif-11201	262	30	and	and	CCONJ
ejif-11201	262	31	awareness	awareness	NOUN
ejif-11201	262	32	toward	toward	ADP
ejif-11201	262	33	islamic	islamic	ADJ
ejif-11201	262	34	banking	banking	NOUN
ejif-11201	262	35	.	.	PUNCT
ejif-11201	263	1	product	product	NOUN
ejif-11201	263	2	and	and	CCONJ
ejif-11201	263	3	marketing	marketing	NOUN
ejif-11201	263	4	strategies	strategy	NOUN
ejif-11201	263	5	,	,	PUNCT
ejif-11201	263	6	as	as	ADV
ejif-11201	263	7	well	well	ADV
ejif-11201	263	8	as	as	ADP
ejif-11201	263	9	the	the	DET
ejif-11201	263	10	shari’ah	shari’ah	NOUN
ejif-11201	263	11	reputation	reputation	NOUN
ejif-11201	263	12	of	of	ADP
ejif-11201	263	13	islamic	islamic	ADJ
ejif-11201	263	14	banks	bank	NOUN
ejif-11201	263	15	,	,	PUNCT
ejif-11201	263	16	are	be	AUX
ejif-11201	263	17	also	also	ADV
ejif-11201	263	18	found	find	VERB
ejif-11201	263	19	to	to	PART
ejif-11201	263	20	be	be	AUX
ejif-11201	263	21	significant	significant	ADJ
ejif-11201	263	22	in	in	ADP
ejif-11201	263	23	influencing	influence	VERB
ejif-11201	263	24	their	their	PRON
ejif-11201	263	25	attitudes	attitude	NOUN
ejif-11201	263	26	toward	toward	ADP
ejif-11201	263	27	islamic	islamic	ADJ
ejif-11201	263	28	banking	banking	NOUN
ejif-11201	263	29	.	.	PUNCT
ejif-11201	264	1	all	all	DET
ejif-11201	264	2	these	these	DET
ejif-11201	264	3	factors	factor	NOUN
ejif-11201	264	4	,	,	PUNCT
ejif-11201	264	5	taken	take	VERB
ejif-11201	264	6	together	together	ADV
ejif-11201	264	7	,	,	PUNCT
ejif-11201	264	8	have	have	AUX
ejif-11201	264	9	made	make	VERB
ejif-11201	264	10	islamic	islamic	ADJ
ejif-11201	264	11	financial	financial	ADJ
ejif-11201	264	12	services	service	NOUN
ejif-11201	264	13	attractive	attractive	ADJ
ejif-11201	264	14	to	to	ADP
ejif-11201	264	15	the	the	DET
ejif-11201	264	16	people	people	NOUN
ejif-11201	264	17	of	of	ADP
ejif-11201	264	18	the	the	DET
ejif-11201	264	19	philippines	philippine	NOUN
ejif-11201	264	20	.	.	PUNCT
ejif-11201	265	1	results	result	NOUN
ejif-11201	265	2	of	of	ADP
ejif-11201	265	3	the	the	DET
ejif-11201	265	4	study	study	NOUN
ejif-11201	265	5	by	by	ADP
ejif-11201	265	6	hadji	hadji	PROPN
ejif-11201	265	7	(	(	PUNCT
ejif-11201	265	8	2021	2021	NUM
ejif-11201	265	9	)	)	PUNCT
ejif-11201	265	10	are	be	AUX
ejif-11201	265	11	congruent	congruent	ADJ
ejif-11201	265	12	with	with	ADP
ejif-11201	265	13	those	those	PRON
ejif-11201	265	14	of	of	ADP
ejif-11201	265	15	a	a	DET
ejif-11201	265	16	study	study	NOUN
ejif-11201	265	17	by	by	ADP
ejif-11201	265	18	kannaiah	kannaiah	PROPN
ejif-11201	265	19	,	,	PUNCT
ejif-11201	265	20	masvood	masvood	NOUN
ejif-11201	265	21	,	,	PUNCT
ejif-11201	265	22	and	and	CCONJ
ejif-11201	265	23	choudary	choudary	ADJ
ejif-11201	265	24	(	(	PUNCT
ejif-11201	265	25	2017	2017	NUM
ejif-11201	265	26	)	)	PUNCT
ejif-11201	265	27	,	,	PUNCT
ejif-11201	265	28	who	who	PRON
ejif-11201	265	29	revealed	reveal	VERB
ejif-11201	265	30	that	that	SCONJ
ejif-11201	265	31	there	there	PRON
ejif-11201	265	32	is	be	VERB
ejif-11201	265	33	a	a	DET
ejif-11201	265	34	favorable	favorable	ADJ
ejif-11201	265	35	perception	perception	NOUN
ejif-11201	265	36	towards	towards	ADP
ejif-11201	265	37	islamic	islamic	ADJ
ejif-11201	265	38	banking	banking	NOUN
ejif-11201	265	39	in	in	ADP
ejif-11201	265	40	india	india	PROPN
ejif-11201	265	41	,	,	PUNCT
ejif-11201	265	42	especially	especially	ADV
ejif-11201	265	43	from	from	ADP
ejif-11201	265	44	the	the	DET
ejif-11201	265	45	city	city	NOUN
ejif-11201	265	46	of	of	ADP
ejif-11201	265	47	hyderabad	hyderabad	PROPN
ejif-11201	265	48	,	,	PUNCT
ejif-11201	265	49	since	since	SCONJ
ejif-11201	265	50	it	it	PRON
ejif-11201	265	51	has	have	VERB
ejif-11201	265	52	a	a	DET
ejif-11201	265	53	lot	lot	NOUN
ejif-11201	265	54	of	of	ADP
ejif-11201	265	55	institutions	institution	NOUN
ejif-11201	265	56	that	that	PRON
ejif-11201	265	57	run	run	VERB
ejif-11201	265	58	courses	course	NOUN
ejif-11201	265	59	on	on	ADP
ejif-11201	265	60	islamic	islamic	ADJ
ejif-11201	265	61	banking	banking	PROPN
ejif-11201	265	62	.	.	PUNCT
ejif-11201	266	1	sain	sain	PROPN
ejif-11201	266	2	,	,	PUNCT
ejif-11201	266	3	rahman	rahman	PROPN
ejif-11201	266	4	,	,	PUNCT
ejif-11201	266	5	and	and	CCONJ
ejif-11201	266	6	khanam	khanam	NOUN
ejif-11201	266	7	(	(	PUNCT
ejif-11201	266	8	2018	2018	NUM
ejif-11201	266	9	)	)	PUNCT
ejif-11201	266	10	argued	argue	VERB
ejif-11201	266	11	for	for	ADP
ejif-11201	266	12	the	the	DET
ejif-11201	266	13	importance	importance	NOUN
ejif-11201	266	14	of	of	ADP
ejif-11201	266	15	islamic	islamic	ADJ
ejif-11201	266	16	finance	finance	NOUN
ejif-11201	266	17	in	in	ADP
ejif-11201	266	18	australia	australia	PROPN
ejif-11201	266	19	,	,	PUNCT
ejif-11201	266	20	citing	cite	VERB
ejif-11201	266	21	that	that	SCONJ
ejif-11201	266	22	muslim	muslim	ADJ
ejif-11201	266	23	communities	community	NOUN
ejif-11201	266	24	are	be	AUX
ejif-11201	266	25	financially	financially	ADV
ejif-11201	266	26	excluded	exclude	VERB
ejif-11201	266	27	primarily	primarily	ADV
ejif-11201	266	28	due	due	ADP
ejif-11201	266	29	to	to	ADP
ejif-11201	266	30	their	their	PRON
ejif-11201	266	31	faith	faith	NOUN
ejif-11201	266	32	and	and	CCONJ
ejif-11201	266	33	religious	religious	ADJ
ejif-11201	266	34	beliefs	belief	NOUN
ejif-11201	266	35	,	,	PUNCT
ejif-11201	266	36	as	as	SCONJ
ejif-11201	266	37	islam	islam	PROPN
ejif-11201	266	38	prohibits	prohibit	VERB
ejif-11201	266	39	riba	riba	PROPN
ejif-11201	266	40	(	(	PUNCT
ejif-11201	266	41	interest	interest	NOUN
ejif-11201	266	42	)	)	PUNCT
ejif-11201	266	43	,	,	PUNCT
ejif-11201	266	44	which	which	PRON
ejif-11201	266	45	is	be	AUX
ejif-11201	266	46	widely	widely	ADV
ejif-11201	266	47	practiced	practice	VERB
ejif-11201	266	48	in	in	ADP
ejif-11201	266	49	conventional	conventional	ADJ
ejif-11201	266	50	banking	banking	NOUN
ejif-11201	266	51	and	and	CCONJ
ejif-11201	266	52	finance	finance	NOUN
ejif-11201	266	53	operations	operation	NOUN
ejif-11201	266	54	.	.	PUNCT
ejif-11201	267	1	sain	sain	PROPN
ejif-11201	267	2	et	et	PROPN
ejif-11201	267	3	al	al	PROPN
ejif-11201	267	4	(	(	PUNCT
ejif-11201	267	5	2018	2018	NUM
ejif-11201	267	6	)	)	PUNCT
ejif-11201	267	7	indicated	indicate	VERB
ejif-11201	267	8	that	that	SCONJ
ejif-11201	267	9	the	the	DET
ejif-11201	267	10	muslim	muslim	PROPN
ejif-11201	267	11	community	community	PROPN
ejif-11201	267	12	in	in	ADP
ejif-11201	267	13	australia	australia	PROPN
ejif-11201	267	14	remains	remain	VERB
ejif-11201	267	15	excluded	exclude	VERB
ejif-11201	267	16	,	,	PUNCT
ejif-11201	267	17	citing	cite	VERB
ejif-11201	267	18	religious	religious	ADJ
ejif-11201	267	19	reasons	reason	NOUN
ejif-11201	267	20	.	.	PUNCT
ejif-11201	268	1	for	for	ADP
ejif-11201	268	2	this	this	DET
ejif-11201	268	3	reason	reason	NOUN
ejif-11201	268	4	,	,	PUNCT
ejif-11201	268	5	sain	sain	PROPN
ejif-11201	268	6	et	et	PROPN
ejif-11201	268	7	al	al	PROPN
ejif-11201	268	8	.	.	PROPN
ejif-11201	269	1	(	(	PUNCT
ejif-11201	269	2	2018	2018	NUM
ejif-11201	269	3	)	)	PUNCT
ejif-11201	269	4	argued	argue	VERB
ejif-11201	269	5	that	that	SCONJ
ejif-11201	269	6	islamic	islamic	ADJ
ejif-11201	269	7	finance	finance	NOUN
ejif-11201	269	8	can	can	AUX
ejif-11201	269	9	enhance	enhance	VERB
ejif-11201	269	10	financial	financial	ADJ
ejif-11201	269	11	inclusion	inclusion	NOUN
ejif-11201	269	12	in	in	ADP
ejif-11201	269	13	australia	australia	PROPN
ejif-11201	269	14	.	.	PUNCT
ejif-11201	270	1	however	however	ADV
ejif-11201	270	2	,	,	PUNCT
ejif-11201	270	3	sain	sain	PROPN
ejif-11201	270	4	et	et	PROPN
ejif-11201	270	5	al	al	PROPN
ejif-11201	270	6	.	.	PROPN
ejif-11201	271	1	(	(	PUNCT
ejif-11201	271	2	2018	2018	NUM
ejif-11201	271	3	)	)	PUNCT
ejif-11201	271	4	highlighted	highlight	VERB
ejif-11201	271	5	that	that	SCONJ
ejif-11201	271	6	the	the	DET
ejif-11201	271	7	level	level	NOUN
ejif-11201	271	8	of	of	ADP
ejif-11201	271	9	awareness	awareness	NOUN
ejif-11201	271	10	about	about	ADP
ejif-11201	271	11	islamic	islamic	ADJ
ejif-11201	271	12	finance	finance	NOUN
ejif-11201	271	13	products	product	NOUN
ejif-11201	271	14	and	and	CCONJ
ejif-11201	271	15	services	service	NOUN
ejif-11201	271	16	in	in	ADP
ejif-11201	271	17	australia	australia	PROPN
ejif-11201	271	18	remains	remain	VERB
ejif-11201	271	19	limited	limited	ADJ
ejif-11201	271	20	.	.	PUNCT
ejif-11201	272	1	additionally	additionally	ADV
ejif-11201	272	2	,	,	PUNCT
ejif-11201	272	3	the	the	DET
ejif-11201	272	4	lack	lack	NOUN
ejif-11201	272	5	of	of	ADP
ejif-11201	272	6	islamic	islamic	ADJ
ejif-11201	272	7	financial	financial	ADJ
ejif-11201	272	8	products	product	NOUN
ejif-11201	272	9	and	and	CCONJ
ejif-11201	272	10	services	service	NOUN
ejif-11201	272	11	is	be	AUX
ejif-11201	272	12	a	a	DET
ejif-11201	272	13	contributory	contributory	ADJ
ejif-11201	272	14	factor	factor	NOUN
ejif-11201	272	15	to	to	ADP
ejif-11201	272	16	financial	financial	ADJ
ejif-11201	272	17	exclusion	exclusion	NOUN
ejif-11201	272	18	in	in	ADP
ejif-11201	272	19	australia	australia	PROPN
ejif-11201	272	20	(	(	PUNCT
ejif-11201	272	21	sain	sain	PROPN
ejif-11201	272	22	et	et	PROPN
ejif-11201	272	23	al	al	PROPN
ejif-11201	272	24	.	.	PROPN
ejif-11201	272	25	,	,	PUNCT
ejif-11201	272	26	2018	2018	NUM
ejif-11201	272	27	)	)	PUNCT
ejif-11201	272	28	.	.	PUNCT
ejif-11201	273	1	contrary	contrary	ADJ
ejif-11201	273	2	to	to	ADP
ejif-11201	273	3	findings	finding	NOUN
ejif-11201	273	4	acknowledging	acknowledge	VERB
ejif-11201	273	5	the	the	DET
ejif-11201	273	6	role	role	NOUN
ejif-11201	273	7	played	play	VERB
ejif-11201	273	8	by	by	ADP
ejif-11201	273	9	islamic	islamic	ADJ
ejif-11201	273	10	finance	finance	NOUN
ejif-11201	273	11	in	in	ADP
ejif-11201	273	12	fostering	foster	VERB
ejif-11201	273	13	financial	financial	ADJ
ejif-11201	273	14	inclusion	inclusion	NOUN
ejif-11201	273	15	,	,	PUNCT
ejif-11201	273	16	jouti	jouti	PROPN
ejif-11201	273	17	(	(	PUNCT
ejif-11201	273	18	2018	2018	NUM
ejif-11201	273	19	)	)	PUNCT
ejif-11201	273	20	argued	argue	VERB
ejif-11201	273	21	that	that	SCONJ
ejif-11201	273	22	introducing	introduce	VERB
ejif-11201	273	23	islamic	islamic	ADJ
ejif-11201	273	24	finance	finance	NOUN
ejif-11201	273	25	can	can	AUX
ejif-11201	273	26	lead	lead	VERB
ejif-11201	273	27	to	to	ADP
ejif-11201	273	28	financial	financial	ADJ
ejif-11201	273	29	migration	migration	NOUN
ejif-11201	273	30	to	to	ADP
ejif-11201	273	31	islamic	islamic	ADJ
ejif-11201	273	32	banks	bank	NOUN
ejif-11201	273	33	,	,	PUNCT
ejif-11201	273	34	which	which	PRON
ejif-11201	273	35	can	can	AUX
ejif-11201	273	36	take	take	VERB
ejif-11201	273	37	many	many	ADJ
ejif-11201	273	38	forms	form	NOUN
ejif-11201	273	39	and	and	CCONJ
ejif-11201	273	40	depend	depend	VERB
ejif-11201	273	41	on	on	ADP
ejif-11201	273	42	various	various	ADJ
ejif-11201	273	43	factors	factor	NOUN
ejif-11201	273	44	that	that	PRON
ejif-11201	273	45	necessitate	necessitate	VERB
ejif-11201	273	46	a	a	DET
ejif-11201	273	47	thorough	thorough	ADJ
ejif-11201	273	48	analysis	analysis	NOUN
ejif-11201	273	49	.	.	PUNCT
ejif-11201	274	1	another	another	DET
ejif-11201	274	2	study	study	NOUN
ejif-11201	274	3	,	,	PUNCT
ejif-11201	274	4	carried	carry	VERB
ejif-11201	274	5	out	out	ADP
ejif-11201	274	6	by	by	ADP
ejif-11201	274	7	ledhem	ledhem	PROPN
ejif-11201	274	8	(	(	PUNCT
ejif-11201	274	9	2022	2022	NUM
ejif-11201	274	10	)	)	PUNCT
ejif-11201	274	11	,	,	PUNCT
ejif-11201	274	12	indicates	indicate	VERB
ejif-11201	274	13	that	that	SCONJ
ejif-11201	274	14	islamic	islamic	PROPN
ejif-11201	274	15	finance	finance	NOUN
ejif-11201	274	16	plays	play	VERB
ejif-11201	274	17	a	a	DET
ejif-11201	274	18	significant	significant	ADJ
ejif-11201	274	19	role	role	NOUN
ejif-11201	274	20	in	in	ADP
ejif-11201	274	21	enhancing	enhance	VERB
ejif-11201	274	22	financial	financial	ADJ
ejif-11201	274	23	inclusion	inclusion	NOUN
ejif-11201	274	24	in	in	ADP
ejif-11201	274	25	algeria	algeria	PROPN
ejif-11201	274	26	;	;	PUNCT
ejif-11201	274	27	however	however	ADV
ejif-11201	274	28	,	,	PUNCT
ejif-11201	274	29	its	its	PRON
ejif-11201	274	30	impact	impact	NOUN
ejif-11201	274	31	is	be	AUX
ejif-11201	274	32	yet	yet	ADV
ejif-11201	274	33	to	to	PART
ejif-11201	274	34	be	be	AUX
ejif-11201	274	35	observed	observe	VERB
ejif-11201	274	36	due	due	ADP
ejif-11201	274	37	to	to	ADP
ejif-11201	274	38	the	the	DET
ejif-11201	274	39	low	low	ADJ
ejif-11201	274	40	share	share	NOUN
ejif-11201	274	41	of	of	ADP
ejif-11201	274	42	islamic	islamic	ADJ
ejif-11201	274	43	banking	banking	NOUN
ejif-11201	274	44	in	in	ADP
ejif-11201	274	45	the	the	DET
ejif-11201	274	46	total	total	ADJ
ejif-11201	274	47	banking	banking	NOUN
ejif-11201	274	48	sector	sector	NOUN
ejif-11201	274	49	.	.	PUNCT
ejif-11201	275	1	in	in	ADP
ejif-11201	275	2	this	this	DET
ejif-11201	275	3	regard	regard	NOUN
ejif-11201	275	4	,	,	PUNCT
ejif-11201	275	5	jouti	jouti	PROPN
ejif-11201	275	6	(	(	PUNCT
ejif-11201	275	7	2018	2018	NUM
ejif-11201	275	8	)	)	PUNCT
ejif-11201	275	9	indicated	indicate	VERB
ejif-11201	275	10	the	the	DET
ejif-11201	275	11	need	need	NOUN
ejif-11201	275	12	for	for	SCONJ
ejif-11201	275	13	policymakers	policymaker	NOUN
ejif-11201	275	14	to	to	PART
ejif-11201	275	15	differentiate	differentiate	VERB
ejif-11201	275	16	between	between	ADP
ejif-11201	275	17	financial	financial	ADJ
ejif-11201	275	18	inclusion	inclusion	NOUN
ejif-11201	275	19	and	and	CCONJ
ejif-11201	275	20	financial	financial	ADJ
ejif-11201	275	21	migration	migration	NOUN
ejif-11201	275	22	.	.	PUNCT
ejif-11201	276	1	while	while	SCONJ
ejif-11201	276	2	some	some	DET
ejif-11201	276	3	scholars	scholar	NOUN
ejif-11201	276	4	(	(	PUNCT
ejif-11201	276	5	jouti	jouti	PROPN
ejif-11201	276	6	,	,	PUNCT
ejif-11201	276	7	2018	2018	NUM
ejif-11201	276	8	;	;	PUNCT
ejif-11201	276	9	shaikh	shaikh	PROPN
ejif-11201	276	10	,	,	PUNCT
ejif-11201	276	11	2017	2017	NUM
ejif-11201	276	12	)	)	PUNCT
ejif-11201	276	13	indicate	indicate	VERB
ejif-11201	276	14	that	that	SCONJ
ejif-11201	276	15	islamic	islamic	ADJ
ejif-11201	276	16	finance	finance	NOUN
ejif-11201	276	17	is	be	AUX
ejif-11201	276	18	not	not	PART
ejif-11201	276	19	contributing	contribute	VERB
ejif-11201	276	20	towards	towards	ADP
ejif-11201	276	21	financial	financial	ADJ
ejif-11201	276	22	inclusion	inclusion	NOUN
ejif-11201	276	23	,	,	PUNCT
ejif-11201	276	24	a	a	DET
ejif-11201	276	25	good	good	ADJ
ejif-11201	276	26	number	number	NOUN
ejif-11201	276	27	(	(	PUNCT
ejif-11201	276	28	warsame	warsame	NOUN
ejif-11201	276	29	,	,	PUNCT
ejif-11201	276	30	2015	2015	NUM
ejif-11201	276	31	;	;	PUNCT
ejif-11201	276	32	hadji	hadji	PROPN
ejif-11201	276	33	,	,	PUNCT
ejif-11201	276	34	2021	2021	NUM
ejif-11201	276	35	;	;	PUNCT
ejif-11201	276	36	sain	sain	PROPN
ejif-11201	276	37	et	et	PROPN
ejif-11201	276	38	al	al	PROPN
ejif-11201	276	39	.	.	PROPN
ejif-11201	276	40	,	,	PUNCT
ejif-11201	276	41	2018	2018	NUM
ejif-11201	276	42	;	;	PUNCT
ejif-11201	276	43	abdul	abdul	PROPN
ejif-11201	276	44	european	european	PROPN
ejif-11201	276	45	journal	journal	PROPN
ejif-11201	276	46	of	of	ADP
ejif-11201	276	47	islamic	islamic	PROPN
ejif-11201	276	48	finance	finance	PROPN
ejif-11201	276	49	issn	issn	PROPN
ejif-11201	276	50	:	:	PUNCT
ejif-11201	276	51	2421	2421	NUM
ejif-11201	276	52	-	-	SYM
ejif-11201	276	53	2172	2172	NUM
ejif-11201	276	54	doi	doi	NOUN
ejif-11201	276	55	:	:	PUNCT
ejif-11201	276	56	10.13135/2421	10.13135/2421	NUM
ejif-11201	276	57	-	-	SYM
ejif-11201	276	58	2172/11201	2172/11201	NUM
ejif-11201	276	59	published	publish	VERB
ejif-11201	276	60	by	by	ADP
ejif-11201	276	61	university	university	PROPN
ejif-11201	276	62	of	of	ADP
ejif-11201	276	63	turin	turin	PROPN
ejif-11201	277	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	277	2	ejif	ejif	PROPN
ejif-11201	277	3	content	content	NOUN
ejif-11201	277	4	is	be	AUX
ejif-11201	277	5	licensed	license	VERB
ejif-11201	277	6	under	under	ADP
ejif-11201	277	7	a	a	DET
ejif-11201	277	8	creative	creative	ADJ
ejif-11201	277	9	commons	common	NOUN
ejif-11201	277	10	attribution	attribution	NOUN
ejif-11201	277	11	4.0	4.0	NUM
ejif-11201	277	12	international	international	ADJ
ejif-11201	277	13	license	license	NOUN
ejif-11201	277	14	85	85	NUM
ejif-11201	277	15	&	&	CCONJ
ejif-11201	277	16	asutay	asutay	NOUN
ejif-11201	277	17	,	,	PUNCT
ejif-11201	277	18	2022	2022	NUM
ejif-11201	277	19	;	;	PUNCT
ejif-11201	277	20	ali	ali	PROPN
ejif-11201	277	21	et	et	PROPN
ejif-11201	277	22	al	al	PROPN
ejif-11201	277	23	.	.	PROPN
ejif-11201	277	24	,	,	PUNCT
ejif-11201	277	25	2019	2019	NUM
ejif-11201	277	26	)	)	PUNCT
ejif-11201	277	27	argue	argue	VERB
ejif-11201	277	28	that	that	SCONJ
ejif-11201	277	29	it	it	PRON
ejif-11201	277	30	is	be	AUX
ejif-11201	277	31	fostering	foster	VERB
ejif-11201	277	32	financial	financial	ADJ
ejif-11201	277	33	inclusion	inclusion	NOUN
ejif-11201	277	34	.	.	PUNCT
ejif-11201	278	1	it	it	PRON
ejif-11201	278	2	must	must	AUX
ejif-11201	278	3	be	be	AUX
ejif-11201	278	4	noted	note	VERB
ejif-11201	278	5	that	that	SCONJ
ejif-11201	278	6	despite	despite	SCONJ
ejif-11201	278	7	some	some	DET
ejif-11201	278	8	challenges	challenge	NOUN
ejif-11201	278	9	and	and	CCONJ
ejif-11201	278	10	shortfalls	shortfall	NOUN
ejif-11201	278	11	surrounding	surround	VERB
ejif-11201	278	12	islamic	islamic	ADJ
ejif-11201	278	13	finance	finance	NOUN
ejif-11201	278	14	and	and	CCONJ
ejif-11201	278	15	banking	banking	NOUN
ejif-11201	278	16	,	,	PUNCT
ejif-11201	278	17	the	the	DET
ejif-11201	278	18	role	role	NOUN
ejif-11201	278	19	it	it	PRON
ejif-11201	278	20	plays	play	VERB
ejif-11201	278	21	in	in	ADP
ejif-11201	278	22	financially	financially	ADV
ejif-11201	278	23	including	include	VERB
ejif-11201	278	24	sharia	sharia	NOUN
ejif-11201	278	25	-	-	PUNCT
ejif-11201	278	26	compliant	compliant	ADJ
ejif-11201	278	27	groups	group	NOUN
ejif-11201	278	28	must	must	AUX
ejif-11201	278	29	not	not	PART
ejif-11201	278	30	be	be	AUX
ejif-11201	278	31	underestimated	underestimate	VERB
ejif-11201	278	32	.	.	PUNCT
ejif-11201	279	1	from	from	ADP
ejif-11201	279	2	the	the	DET
ejif-11201	279	3	discussions	discussion	NOUN
ejif-11201	279	4	above	above	ADV
ejif-11201	279	5	,	,	PUNCT
ejif-11201	279	6	the	the	DET
ejif-11201	279	7	majority	majority	NOUN
ejif-11201	279	8	of	of	ADP
ejif-11201	279	9	scholars	scholar	NOUN
ejif-11201	279	10	acknowledge	acknowledge	VERB
ejif-11201	279	11	the	the	DET
ejif-11201	279	12	role	role	NOUN
ejif-11201	279	13	that	that	PRON
ejif-11201	279	14	islamic	islamic	ADJ
ejif-11201	279	15	finance	finance	NOUN
ejif-11201	279	16	is	be	AUX
ejif-11201	279	17	playing	play	VERB
ejif-11201	279	18	in	in	ADP
ejif-11201	279	19	promoting	promote	VERB
ejif-11201	279	20	financial	financial	ADJ
ejif-11201	279	21	inclusion	inclusion	NOUN
ejif-11201	279	22	.	.	PUNCT
ejif-11201	280	1	5	5	X
ejif-11201	280	2	.	.	X
ejif-11201	280	3	conclusion	conclusion	VERB
ejif-11201	280	4	the	the	DET
ejif-11201	280	5	introduction	introduction	NOUN
ejif-11201	280	6	of	of	ADP
ejif-11201	280	7	islamic	islamic	ADJ
ejif-11201	280	8	financial	financial	ADJ
ejif-11201	280	9	services	service	NOUN
ejif-11201	280	10	has	have	AUX
ejif-11201	280	11	created	create	VERB
ejif-11201	280	12	an	an	DET
ejif-11201	280	13	opportunity	opportunity	NOUN
ejif-11201	280	14	for	for	SCONJ
ejif-11201	280	15	islamic	islamic	ADJ
ejif-11201	280	16	communities	community	NOUN
ejif-11201	280	17	to	to	PART
ejif-11201	280	18	access	access	VERB
ejif-11201	280	19	financial	financial	ADJ
ejif-11201	280	20	services	service	NOUN
ejif-11201	280	21	that	that	PRON
ejif-11201	280	22	align	align	VERB
ejif-11201	280	23	with	with	ADP
ejif-11201	280	24	their	their	PRON
ejif-11201	280	25	religious	religious	ADJ
ejif-11201	280	26	beliefs	belief	NOUN
ejif-11201	280	27	.	.	PUNCT
ejif-11201	281	1	although	although	SCONJ
ejif-11201	281	2	there	there	PRON
ejif-11201	281	3	are	be	VERB
ejif-11201	281	4	debates	debate	NOUN
ejif-11201	281	5	regarding	regard	VERB
ejif-11201	281	6	the	the	DET
ejif-11201	281	7	role	role	NOUN
ejif-11201	281	8	played	play	VERB
ejif-11201	281	9	by	by	ADP
ejif-11201	281	10	islamic	islamic	ADJ
ejif-11201	281	11	financial	financial	ADJ
ejif-11201	281	12	systems	system	NOUN
ejif-11201	281	13	in	in	ADP
ejif-11201	281	14	fostering	foster	VERB
ejif-11201	281	15	financial	financial	ADJ
ejif-11201	281	16	inclusion	inclusion	NOUN
ejif-11201	281	17	,	,	PUNCT
ejif-11201	281	18	the	the	DET
ejif-11201	281	19	majority	majority	NOUN
ejif-11201	281	20	of	of	ADP
ejif-11201	281	21	scholars	scholar	NOUN
ejif-11201	281	22	agree	agree	VERB
ejif-11201	281	23	that	that	SCONJ
ejif-11201	281	24	they	they	PRON
ejif-11201	281	25	are	be	AUX
ejif-11201	281	26	indeed	indeed	ADV
ejif-11201	281	27	contributing	contribute	VERB
ejif-11201	281	28	immensely	immensely	ADV
ejif-11201	281	29	to	to	ADP
ejif-11201	281	30	financial	financial	ADJ
ejif-11201	281	31	inclusivity	inclusivity	NOUN
ejif-11201	281	32	.	.	PUNCT
ejif-11201	282	1	a	a	DET
ejif-11201	282	2	literature	literature	NOUN
ejif-11201	282	3	search	search	NOUN
ejif-11201	282	4	also	also	ADV
ejif-11201	282	5	revealed	reveal	VERB
ejif-11201	282	6	that	that	SCONJ
ejif-11201	282	7	africa	africa	PROPN
ejif-11201	282	8	as	as	ADP
ejif-11201	282	9	a	a	DET
ejif-11201	282	10	whole	whole	NOUN
ejif-11201	282	11	is	be	AUX
ejif-11201	282	12	lagging	lag	VERB
ejif-11201	282	13	behind	behind	ADV
ejif-11201	282	14	in	in	ADP
ejif-11201	282	15	research	research	NOUN
ejif-11201	282	16	on	on	ADP
ejif-11201	282	17	islamic	islamic	ADJ
ejif-11201	282	18	finance	finance	NOUN
ejif-11201	282	19	,	,	PUNCT
ejif-11201	282	20	which	which	PRON
ejif-11201	282	21	may	may	AUX
ejif-11201	282	22	also	also	ADV
ejif-11201	282	23	be	be	AUX
ejif-11201	282	24	an	an	DET
ejif-11201	282	25	indicator	indicator	NOUN
ejif-11201	282	26	of	of	ADP
ejif-11201	282	27	a	a	DET
ejif-11201	282	28	slow	slow	ADJ
ejif-11201	282	29	adoption	adoption	NOUN
ejif-11201	282	30	of	of	ADP
ejif-11201	282	31	the	the	DET
ejif-11201	282	32	islamic	islamic	ADJ
ejif-11201	282	33	financial	financial	ADJ
ejif-11201	282	34	system	system	NOUN
ejif-11201	282	35	.	.	PUNCT
ejif-11201	283	1	from	from	ADP
ejif-11201	283	2	the	the	DET
ejif-11201	283	3	findings	finding	NOUN
ejif-11201	283	4	of	of	ADP
ejif-11201	283	5	the	the	DET
ejif-11201	283	6	study	study	NOUN
ejif-11201	283	7	,	,	PUNCT
ejif-11201	283	8	it	it	PRON
ejif-11201	283	9	can	can	AUX
ejif-11201	283	10	also	also	ADV
ejif-11201	283	11	be	be	AUX
ejif-11201	283	12	concluded	conclude	VERB
ejif-11201	283	13	that	that	SCONJ
ejif-11201	283	14	islamic	islamic	ADJ
ejif-11201	283	15	financial	financial	ADJ
ejif-11201	283	16	systems	system	NOUN
ejif-11201	283	17	and	and	CCONJ
ejif-11201	283	18	banking	banking	NOUN
ejif-11201	283	19	are	be	AUX
ejif-11201	283	20	most	most	ADV
ejif-11201	283	21	prevalent	prevalent	ADJ
ejif-11201	283	22	in	in	ADP
ejif-11201	283	23	countries	country	NOUN
ejif-11201	283	24	that	that	PRON
ejif-11201	283	25	are	be	AUX
ejif-11201	283	26	in	in	ADP
ejif-11201	283	27	the	the	DET
ejif-11201	283	28	mena	mena	NOUN
ejif-11201	283	29	and	and	CCONJ
ejif-11201	283	30	those	those	PRON
ejif-11201	283	31	in	in	ADP
ejif-11201	283	32	the	the	DET
ejif-11201	283	33	organisation	organisation	NOUN
ejif-11201	283	34	of	of	ADP
ejif-11201	283	35	islamic	islamic	ADJ
ejif-11201	283	36	cooperation	cooperation	NOUN
ejif-11201	283	37	(	(	PUNCT
ejif-11201	283	38	oic	oic	PROPN
ejif-11201	283	39	)	)	PUNCT
ejif-11201	283	40	.	.	PUNCT
ejif-11201	284	1	the	the	DET
ejif-11201	284	2	majority	majority	NOUN
ejif-11201	284	3	of	of	ADP
ejif-11201	284	4	african	african	ADJ
ejif-11201	284	5	countries	country	NOUN
ejif-11201	284	6	are	be	AUX
ejif-11201	284	7	lagging	lag	VERB
ejif-11201	284	8	behind	behind	ADV
ejif-11201	284	9	in	in	ADP
ejif-11201	284	10	research	research	NOUN
ejif-11201	284	11	on	on	ADP
ejif-11201	284	12	the	the	DET
ejif-11201	284	13	subject	subject	NOUN
ejif-11201	284	14	in	in	ADP
ejif-11201	284	15	question	question	NOUN
ejif-11201	284	16	.	.	PUNCT
ejif-11201	285	1	the	the	DET
ejif-11201	285	2	study	study	NOUN
ejif-11201	285	3	also	also	ADV
ejif-11201	285	4	led	lead	VERB
ejif-11201	285	5	to	to	ADP
ejif-11201	285	6	the	the	DET
ejif-11201	285	7	conclusion	conclusion	NOUN
ejif-11201	285	8	that	that	SCONJ
ejif-11201	285	9	when	when	SCONJ
ejif-11201	285	10	islamic	islamic	ADJ
ejif-11201	285	11	financial	financial	ADJ
ejif-11201	285	12	services	service	NOUN
ejif-11201	285	13	are	be	AUX
ejif-11201	285	14	provided	provide	VERB
ejif-11201	285	15	alongside	alongside	ADP
ejif-11201	285	16	conventional	conventional	ADJ
ejif-11201	285	17	financial	financial	ADJ
ejif-11201	285	18	services	service	NOUN
ejif-11201	285	19	,	,	PUNCT
ejif-11201	285	20	people	people	NOUN
ejif-11201	285	21	prefer	prefer	VERB
ejif-11201	285	22	islamic	islamic	ADJ
ejif-11201	285	23	financial	financial	ADJ
ejif-11201	285	24	services	service	NOUN
ejif-11201	285	25	because	because	SCONJ
ejif-11201	285	26	there	there	PRON
ejif-11201	285	27	is	be	VERB
ejif-11201	285	28	no	no	DET
ejif-11201	285	29	riba	riba	NOUN
ejif-11201	285	30	(	(	PUNCT
ejif-11201	285	31	interest	interest	NOUN
ejif-11201	285	32	)	)	PUNCT
ejif-11201	285	33	payment	payment	NOUN
ejif-11201	285	34	,	,	PUNCT
ejif-11201	285	35	which	which	PRON
ejif-11201	285	36	leads	lead	VERB
ejif-11201	285	37	to	to	ADP
ejif-11201	285	38	financial	financial	ADJ
ejif-11201	285	39	migration	migration	NOUN
ejif-11201	285	40	.	.	PUNCT
ejif-11201	286	1	in	in	ADP
ejif-11201	286	2	general	general	ADJ
ejif-11201	286	3	,	,	PUNCT
ejif-11201	286	4	the	the	DET
ejif-11201	286	5	study	study	NOUN
ejif-11201	286	6	concludes	conclude	VERB
ejif-11201	286	7	that	that	SCONJ
ejif-11201	286	8	islamic	islamic	ADJ
ejif-11201	286	9	financial	financial	ADJ
ejif-11201	286	10	services	service	NOUN
ejif-11201	286	11	are	be	AUX
ejif-11201	286	12	playing	play	VERB
ejif-11201	286	13	a	a	DET
ejif-11201	286	14	significant	significant	ADJ
ejif-11201	286	15	role	role	NOUN
ejif-11201	286	16	in	in	ADP
ejif-11201	286	17	achieving	achieve	VERB
ejif-11201	286	18	the	the	DET
ejif-11201	286	19	united	united	PROPN
ejif-11201	286	20	nations	nations	PROPN
ejif-11201	286	21	sustainable	sustainable	ADJ
ejif-11201	286	22	development	development	NOUN
ejif-11201	286	23	goals	goal	NOUN
ejif-11201	286	24	of	of	ADP
ejif-11201	286	25	inclusivity	inclusivity	NOUN
ejif-11201	286	26	and	and	CCONJ
ejif-11201	286	27	poverty	poverty	NOUN
ejif-11201	286	28	alleviation	alleviation	NOUN
ejif-11201	286	29	.	.	PUNCT
ejif-11201	287	1	given	give	VERB
ejif-11201	287	2	the	the	DET
ejif-11201	287	3	above	above	ADJ
ejif-11201	287	4	,	,	PUNCT
ejif-11201	287	5	it	it	PRON
ejif-11201	287	6	is	be	AUX
ejif-11201	287	7	prudent	prudent	ADJ
ejif-11201	287	8	for	for	ADP
ejif-11201	287	9	governments	government	NOUN
ejif-11201	287	10	in	in	ADP
ejif-11201	287	11	africa	africa	PROPN
ejif-11201	287	12	and	and	CCONJ
ejif-11201	287	13	worldwide	worldwide	ADV
ejif-11201	287	14	to	to	PART
ejif-11201	287	15	facilitate	facilitate	VERB
ejif-11201	287	16	the	the	DET
ejif-11201	287	17	development	development	NOUN
ejif-11201	287	18	of	of	ADP
ejif-11201	287	19	islamic	islamic	ADJ
ejif-11201	287	20	financial	financial	ADJ
ejif-11201	287	21	institutions	institution	NOUN
ejif-11201	287	22	within	within	ADP
ejif-11201	287	23	their	their	PRON
ejif-11201	287	24	nations	nation	NOUN
ejif-11201	287	25	.	.	PUNCT
ejif-11201	288	1	most	most	ADV
ejif-11201	288	2	importantly	importantly	ADV
ejif-11201	288	3	,	,	PUNCT
ejif-11201	288	4	policymakers	policymaker	NOUN
ejif-11201	288	5	need	need	VERB
ejif-11201	288	6	to	to	PART
ejif-11201	288	7	consider	consider	VERB
ejif-11201	288	8	the	the	DET
ejif-11201	288	9	needs	need	NOUN
ejif-11201	288	10	of	of	ADP
ejif-11201	288	11	marginalized	marginalize	VERB
ejif-11201	288	12	population	population	NOUN
ejif-11201	288	13	groups	group	NOUN
ejif-11201	288	14	so	so	SCONJ
ejif-11201	288	15	that	that	SCONJ
ejif-11201	288	16	the	the	DET
ejif-11201	288	17	nation	nation	NOUN
ejif-11201	288	18	can	can	AUX
ejif-11201	288	19	achieve	achieve	VERB
ejif-11201	288	20	the	the	DET
ejif-11201	288	21	sustainable	sustainable	ADJ
ejif-11201	288	22	development	development	NOUN
ejif-11201	288	23	goals	goal	NOUN
ejif-11201	288	24	.	.	PUNCT
ejif-11201	289	1	governments	government	NOUN
ejif-11201	289	2	should	should	AUX
ejif-11201	289	3	promote	promote	VERB
ejif-11201	289	4	more	more	ADJ
ejif-11201	289	5	islamic	islamic	ADJ
ejif-11201	289	6	banking	banking	NOUN
ejif-11201	289	7	and	and	CCONJ
ejif-11201	289	8	incentivize	incentivize	VERB
ejif-11201	289	9	investments	investment	NOUN
ejif-11201	289	10	in	in	ADP
ejif-11201	289	11	technology	technology	NOUN
ejif-11201	289	12	,	,	PUNCT
ejif-11201	289	13	which	which	PRON
ejif-11201	289	14	helps	help	VERB
ejif-11201	289	15	expand	expand	VERB
ejif-11201	289	16	financial	financial	ADJ
ejif-11201	289	17	inclusion	inclusion	NOUN
ejif-11201	289	18	.	.	PUNCT
ejif-11201	290	1	this	this	DET
ejif-11201	290	2	study	study	NOUN
ejif-11201	290	3	also	also	ADV
ejif-11201	290	4	serves	serve	VERB
ejif-11201	290	5	as	as	ADP
ejif-11201	290	6	a	a	DET
ejif-11201	290	7	reference	reference	NOUN
ejif-11201	290	8	for	for	ADP
ejif-11201	290	9	regulators	regulator	NOUN
ejif-11201	290	10	in	in	ADP
ejif-11201	290	11	formulating	formulate	VERB
ejif-11201	290	12	effective	effective	ADJ
ejif-11201	290	13	policy	policy	NOUN
ejif-11201	290	14	strategies	strategy	NOUN
ejif-11201	290	15	to	to	PART
ejif-11201	290	16	strengthen	strengthen	VERB
ejif-11201	290	17	and	and	CCONJ
ejif-11201	290	18	expand	expand	VERB
ejif-11201	290	19	islamic	islamic	ADJ
ejif-11201	290	20	financial	financial	ADJ
ejif-11201	290	21	inclusion	inclusion	NOUN
ejif-11201	290	22	,	,	PUNCT
ejif-11201	290	23	particularly	particularly	ADV
ejif-11201	290	24	in	in	ADP
ejif-11201	290	25	areas	area	NOUN
ejif-11201	290	26	where	where	SCONJ
ejif-11201	290	27	islamic	islamic	ADJ
ejif-11201	290	28	financial	financial	ADJ
ejif-11201	290	29	systems	system	NOUN
ejif-11201	290	30	have	have	AUX
ejif-11201	290	31	been	be	AUX
ejif-11201	290	32	adopted	adopt	VERB
ejif-11201	290	33	.	.	PUNCT
ejif-11201	291	1	however	however	ADV
ejif-11201	291	2	,	,	PUNCT
ejif-11201	291	3	there	there	PRON
ejif-11201	291	4	is	be	VERB
ejif-11201	291	5	a	a	DET
ejif-11201	291	6	need	need	NOUN
ejif-11201	291	7	for	for	SCONJ
ejif-11201	291	8	policymakers	policymaker	NOUN
ejif-11201	291	9	to	to	PART
ejif-11201	291	10	develop	develop	VERB
ejif-11201	291	11	systems	system	NOUN
ejif-11201	291	12	that	that	PRON
ejif-11201	291	13	are	be	AUX
ejif-11201	291	14	effective	effective	ADJ
ejif-11201	291	15	enough	enough	ADV
ejif-11201	291	16	to	to	PART
ejif-11201	291	17	prevent	prevent	VERB
ejif-11201	291	18	financial	financial	ADJ
ejif-11201	291	19	migration	migration	NOUN
ejif-11201	291	20	,	,	PUNCT
ejif-11201	291	21	which	which	PRON
ejif-11201	291	22	may	may	AUX
ejif-11201	291	23	ultimately	ultimately	ADV
ejif-11201	291	24	undermine	undermine	VERB
ejif-11201	291	25	conventional	conventional	ADJ
ejif-11201	291	26	financial	financial	ADJ
ejif-11201	291	27	institutions	institution	NOUN
ejif-11201	291	28	.	.	PUNCT
ejif-11201	292	1	references	reference	NOUN
ejif-11201	292	2	abdullahi	abdullahi	PROPN
ejif-11201	292	3	,	,	PUNCT
ejif-11201	292	4	a.	a.	NOUN
ejif-11201	292	5	,	,	PUNCT
ejif-11201	292	6	othman	othman	PROPN
ejif-11201	292	7	,	,	PUNCT
ejif-11201	292	8	a.	a.	PROPN
ejif-11201	292	9	h.	h.	PROPN
ejif-11201	292	10	a.	a.	PROPN
ejif-11201	292	11	,	,	PUNCT
ejif-11201	292	12	&	&	CCONJ
ejif-11201	292	13	kassim	kassim	PROPN
ejif-11201	292	14	,	,	PUNCT
ejif-11201	292	15	s.	s.	PROPN
ejif-11201	292	16	(	(	PUNCT
ejif-11201	292	17	2021	2021	NUM
ejif-11201	292	18	)	)	PUNCT
ejif-11201	292	19	.	.	PUNCT
ejif-11201	293	1	financial	financial	ADJ
ejif-11201	293	2	inclusion	inclusion	NOUN
ejif-11201	293	3	enhancement	enhancement	NOUN
ejif-11201	293	4	through	through	ADP
ejif-11201	293	5	the	the	DET
ejif-11201	293	6	adoption	adoption	NOUN
ejif-11201	293	7	of	of	ADP
ejif-11201	293	8	islamic	islamic	ADJ
ejif-11201	293	9	microfinance	microfinance	NOUN
ejif-11201	293	10	in	in	ADP
ejif-11201	293	11	nigeria	nigeria	PROPN
ejif-11201	293	12	.	.	PUNCT
ejif-11201	294	1	international	international	ADJ
ejif-11201	294	2	journal	journal	PROPN
ejif-11201	294	3	of	of	ADP
ejif-11201	294	4	ethics	ethic	NOUN
ejif-11201	294	5	and	and	CCONJ
ejif-11201	294	6	systems	system	NOUN
ejif-11201	294	7	,	,	PUNCT
ejif-11201	294	8	37(3	37(3	NUM
ejif-11201	294	9	)	)	PUNCT
ejif-11201	294	10	,	,	PUNCT
ejif-11201	294	11	486	486	NUM
ejif-11201	294	12	-	-	SYM
ejif-11201	294	13	505	505	NUM
ejif-11201	294	14	.	.	PUNCT
ejif-11201	295	1	ahmad	ahmad	PROPN
ejif-11201	295	2	,	,	PUNCT
ejif-11201	295	3	s.	s.	PROPN
ejif-11201	295	4	,	,	PUNCT
ejif-11201	295	5	lensink	lensink	PROPN
ejif-11201	295	6	,	,	PUNCT
ejif-11201	295	7	r.	r.	PROPN
ejif-11201	295	8	,	,	PUNCT
ejif-11201	295	9	&	&	CCONJ
ejif-11201	295	10	mueller	mueller	PROPN
ejif-11201	295	11	,	,	PUNCT
ejif-11201	295	12	a.	a.	PROPN
ejif-11201	295	13	(	(	PUNCT
ejif-11201	295	14	2020	2020	NUM
ejif-11201	295	15	)	)	PUNCT
ejif-11201	295	16	.	.	PUNCT
ejif-11201	296	1	the	the	DET
ejif-11201	296	2	double	double	ADJ
ejif-11201	296	3	bottom	bottom	ADJ
ejif-11201	296	4	line	line	NOUN
ejif-11201	296	5	of	of	ADP
ejif-11201	296	6	microfinance	microfinance	NOUN
ejif-11201	296	7	:	:	PUNCT
ejif-11201	296	8	a	a	DET
ejif-11201	296	9	global	global	ADJ
ejif-11201	296	10	comparison	comparison	NOUN
ejif-11201	296	11	between	between	ADP
ejif-11201	296	12	conventional	conventional	ADJ
ejif-11201	296	13	and	and	CCONJ
ejif-11201	296	14	islamic	islamic	ADJ
ejif-11201	296	15	microfinance	microfinance	NOUN
ejif-11201	296	16	.	.	PUNCT
ejif-11201	297	1	world	world	NOUN
ejif-11201	297	2	development	development	PROPN
ejif-11201	297	3	,	,	PUNCT
ejif-11201	297	4	136	136	NUM
ejif-11201	297	5	,	,	PUNCT
ejif-11201	297	6	105130	105130	NUM
ejif-11201	297	7	.	.	PUNCT
ejif-11201	298	1	ali	ali	PROPN
ejif-11201	298	2	,	,	PUNCT
ejif-11201	298	3	m.	m.	NOUN
ejif-11201	298	4	m.	m.	PROPN
ejif-11201	298	5	,	,	PUNCT
ejif-11201	298	6	devi	devi	PROPN
ejif-11201	298	7	,	,	PUNCT
ejif-11201	298	8	a.	a.	NOUN
ejif-11201	298	9	,	,	PUNCT
ejif-11201	298	10	furqani	furqani	PROPN
ejif-11201	298	11	,	,	PUNCT
ejif-11201	298	12	h.	h.	PROPN
ejif-11201	298	13	,	,	PUNCT
ejif-11201	298	14	&	&	CCONJ
ejif-11201	298	15	hamzah	hamzah	PROPN
ejif-11201	298	16	,	,	PUNCT
ejif-11201	298	17	h.	h.	PROPN
ejif-11201	298	18	(	(	PUNCT
ejif-11201	298	19	2020	2020	NUM
ejif-11201	298	20	)	)	PUNCT
ejif-11201	298	21	.	.	PUNCT
ejif-11201	299	1	islamic	islamic	ADJ
ejif-11201	299	2	financial	financial	ADJ
ejif-11201	299	3	inclusion	inclusion	NOUN
ejif-11201	299	4	determinants	determinant	NOUN
ejif-11201	299	5	in	in	ADP
ejif-11201	299	6	indonesia	indonesia	PROPN
ejif-11201	299	7	:	:	PUNCT
ejif-11201	299	8	an	an	DET
ejif-11201	299	9	anp	anp	PROPN
ejif-11201	299	10	approach	approach	NOUN
ejif-11201	299	11	.	.	PUNCT
ejif-11201	300	1	international	international	ADJ
ejif-11201	300	2	journal	journal	PROPN
ejif-11201	300	3	of	of	ADP
ejif-11201	300	4	islamic	islamic	ADJ
ejif-11201	300	5	and	and	CCONJ
ejif-11201	300	6	middle	middle	ADJ
ejif-11201	300	7	eastern	eastern	ADJ
ejif-11201	300	8	finance	finance	NOUN
ejif-11201	300	9	and	and	CCONJ
ejif-11201	300	10	management	management	NOUN
ejif-11201	300	11	,	,	PUNCT
ejif-11201	300	12	13(4	13(4	NUM
ejif-11201	300	13	)	)	PUNCT
ejif-11201	300	14	,	,	PUNCT
ejif-11201	300	15	727	727	NUM
ejif-11201	300	16	-	-	SYM
ejif-11201	300	17	747	747	NUM
ejif-11201	300	18	.	.	PUNCT
ejif-11201	300	19	ali	ali	PROPN
ejif-11201	300	20	,	,	PUNCT
ejif-11201	300	21	m.	m.	NOUN
ejif-11201	300	22	m.	m.	NOUN
ejif-11201	300	23	,	,	PUNCT
ejif-11201	300	24	sakti	sakti	PROPN
ejif-11201	300	25	,	,	PUNCT
ejif-11201	300	26	m.	m.	PROPN
ejif-11201	300	27	r.	r.	PROPN
ejif-11201	300	28	p.	p.	PROPN
ejif-11201	300	29	,	,	PUNCT
ejif-11201	300	30	&	&	CCONJ
ejif-11201	300	31	devi	devi	PROPN
ejif-11201	300	32	,	,	PUNCT
ejif-11201	300	33	a.	a.	NOUN
ejif-11201	300	34	(	(	PUNCT
ejif-11201	300	35	2019	2019	NUM
ejif-11201	300	36	)	)	PUNCT
ejif-11201	300	37	.	.	PUNCT
ejif-11201	301	1	developing	develop	VERB
ejif-11201	301	2	an	an	DET
ejif-11201	301	3	islamic	islamic	ADJ
ejif-11201	301	4	financial	financial	ADJ
ejif-11201	301	5	inclusion	inclusion	NOUN
ejif-11201	301	6	index	index	NOUN
ejif-11201	301	7	for	for	ADP
ejif-11201	301	8	islamic	islamic	ADJ
ejif-11201	301	9	banks	bank	NOUN
ejif-11201	301	10	in	in	ADP
ejif-11201	301	11	indonesia	indonesia	PROPN
ejif-11201	301	12	:	:	PUNCT
ejif-11201	301	13	a	a	DET
ejif-11201	301	14	cross	cross	ADJ
ejif-11201	301	15	-	-	ADJ
ejif-11201	301	16	province	province	ADJ
ejif-11201	301	17	analysis	analysis	NOUN
ejif-11201	301	18	.	.	PUNCT
ejif-11201	302	1	journal	journal	PROPN
ejif-11201	302	2	of	of	ADP
ejif-11201	302	3	islamic	islamic	ADJ
ejif-11201	302	4	monetary	monetary	ADJ
ejif-11201	302	5	economics	economic	NOUN
ejif-11201	302	6	and	and	CCONJ
ejif-11201	302	7	finance	finance	NOUN
ejif-11201	302	8	,	,	PUNCT
ejif-11201	302	9	5(4	5(4	NUM
ejif-11201	302	10	)	)	PUNCT
ejif-11201	302	11	,	,	PUNCT
ejif-11201	302	12	691	691	NUM
ejif-11201	302	13	-	-	SYM
ejif-11201	302	14	712	712	NUM
ejif-11201	302	15	.	.	PUNCT
ejif-11201	303	1	alsmadi	alsmadi	NOUN
ejif-11201	303	2	,	,	PUNCT
ejif-11201	303	3	a.	a.	NOUN
ejif-11201	303	4	a.	a.	NOUN
ejif-11201	303	5	(	(	PUNCT
ejif-11201	303	6	2025	2025	NUM
ejif-11201	303	7	)	)	PUNCT
ejif-11201	303	8	.	.	PUNCT
ejif-11201	304	1	beyond	beyond	ADP
ejif-11201	304	2	compliance	compliance	NOUN
ejif-11201	304	3	:	:	PUNCT
ejif-11201	304	4	exploring	explore	VERB
ejif-11201	304	5	the	the	DET
ejif-11201	304	6	synergy	synergy	NOUN
ejif-11201	304	7	of	of	ADP
ejif-11201	304	8	islamic	islamic	ADJ
ejif-11201	304	9	fintech	fintech	PROPN
ejif-11201	304	10	and	and	CCONJ
ejif-11201	304	11	csr	csr	NOUN
ejif-11201	304	12	in	in	ADP
ejif-11201	304	13	fostering	foster	VERB
ejif-11201	304	14	inclusive	inclusive	ADJ
ejif-11201	304	15	financial	financial	ADJ
ejif-11201	304	16	adoption	adoption	NOUN
ejif-11201	304	17	.	.	PUNCT
ejif-11201	305	1	future	future	ADJ
ejif-11201	305	2	business	business	NOUN
ejif-11201	305	3	journal	journal	NOUN
ejif-11201	305	4	,	,	PUNCT
ejif-11201	305	5	11(1	11(1	NUM
ejif-11201	305	6	)	)	PUNCT
ejif-11201	305	7	,	,	PUNCT
ejif-11201	305	8	7	7	X
ejif-11201	305	9	.	.	X
ejif-11201	305	10	baber	baber	PROPN
ejif-11201	305	11	,	,	PUNCT
ejif-11201	305	12	h.	h.	PROPN
ejif-11201	305	13	(	(	PUNCT
ejif-11201	305	14	2020	2020	NUM
ejif-11201	305	15	)	)	PUNCT
ejif-11201	305	16	.	.	PUNCT
ejif-11201	306	1	financial	financial	ADJ
ejif-11201	306	2	inclusion	inclusion	NOUN
ejif-11201	306	3	and	and	CCONJ
ejif-11201	306	4	fintech	fintech	NOUN
ejif-11201	306	5	:	:	PUNCT
ejif-11201	306	6	a	a	DET
ejif-11201	306	7	comparative	comparative	ADJ
ejif-11201	306	8	study	study	NOUN
ejif-11201	306	9	of	of	ADP
ejif-11201	306	10	countries	country	NOUN
ejif-11201	306	11	following	follow	VERB
ejif-11201	306	12	islamic	islamic	ADJ
ejif-11201	306	13	finance	finance	NOUN
ejif-11201	306	14	and	and	CCONJ
ejif-11201	306	15	conventional	conventional	ADJ
ejif-11201	306	16	finance	finance	NOUN
ejif-11201	306	17	.	.	PUNCT
ejif-11201	307	1	qualitative	qualitative	ADJ
ejif-11201	307	2	research	research	NOUN
ejif-11201	307	3	in	in	ADP
ejif-11201	307	4	financial	financial	ADJ
ejif-11201	307	5	markets	market	NOUN
ejif-11201	307	6	,	,	PUNCT
ejif-11201	307	7	12(1	12(1	NUM
ejif-11201	307	8	)	)	PUNCT
ejif-11201	307	9	,	,	PUNCT
ejif-11201	307	10	24	24	NUM
ejif-11201	307	11	-	-	SYM
ejif-11201	307	12	42	42	NUM
ejif-11201	307	13	.	.	PUNCT
ejif-11201	308	1	chapra	chapra	PROPN
ejif-11201	308	2	,	,	PUNCT
ejif-11201	308	3	m.	m.	NOUN
ejif-11201	308	4	u.	u.	PROPN
ejif-11201	308	5	(	(	PUNCT
ejif-11201	308	6	1982	1982	NUM
ejif-11201	308	7	)	)	PUNCT
ejif-11201	308	8	.	.	PUNCT
ejif-11201	309	1	money	money	NOUN
ejif-11201	309	2	and	and	CCONJ
ejif-11201	309	3	banking	banking	NOUN
ejif-11201	309	4	in	in	ADP
ejif-11201	309	5	an	an	DET
ejif-11201	309	6	islamic	islamic	ADJ
ejif-11201	309	7	economy	economy	NOUN
ejif-11201	309	8	.	.	PUNCT
ejif-11201	310	1	monetary	monetary	ADJ
ejif-11201	310	2	and	and	CCONJ
ejif-11201	310	3	fiscal	fiscal	ADJ
ejif-11201	310	4	economics	economic	NOUN
ejif-11201	310	5	of	of	ADP
ejif-11201	310	6	islam	islam	PROPN
ejif-11201	310	7	,	,	PUNCT
ejif-11201	310	8	1–9	1–9	PROPN
ejif-11201	310	9	.	.	PUNCT
ejif-11201	310	10	cherqaoui	cherqaoui	PROPN
ejif-11201	310	11	,	,	PUNCT
ejif-11201	310	12	s.	s.	PROPN
ejif-11201	310	13	(	(	PUNCT
ejif-11201	310	14	2022	2022	NUM
ejif-11201	310	15	)	)	PUNCT
ejif-11201	310	16	.	.	PUNCT
ejif-11201	311	1	the	the	DET
ejif-11201	311	2	role	role	NOUN
ejif-11201	311	3	of	of	ADP
ejif-11201	311	4	islamic	islamic	ADJ
ejif-11201	311	5	finance	finance	NOUN
ejif-11201	311	6	in	in	ADP
ejif-11201	311	7	unlocking	unlock	VERB
ejif-11201	311	8	the	the	DET
ejif-11201	311	9	potential	potential	NOUN
ejif-11201	311	10	of	of	ADP
ejif-11201	311	11	micro	micro	ADJ
ejif-11201	311	12	-	-	ADJ
ejif-11201	311	13	small	small	ADJ
ejif-11201	311	14	and	and	CCONJ
ejif-11201	311	15	medium	medium	ADJ
ejif-11201	311	16	-	-	PUNCT
ejif-11201	311	17	sized	sized	ADJ
ejif-11201	311	18	enterprises	enterprise	NOUN
ejif-11201	311	19	and	and	CCONJ
ejif-11201	311	20	the	the	DET
ejif-11201	311	21	role	role	NOUN
ejif-11201	311	22	of	of	ADP
ejif-11201	311	23	fintech	fintech	NOUN
ejif-11201	311	24	.	.	PUNCT
ejif-11201	312	1	european	european	PROPN
ejif-11201	312	2	journal	journal	PROPN
ejif-11201	312	3	of	of	ADP
ejif-11201	312	4	islamic	islamic	PROPN
ejif-11201	312	5	finance	finance	PROPN
ejif-11201	312	6	,	,	PUNCT
ejif-11201	312	7	9(3	9(3	NUM
ejif-11201	312	8	)	)	PUNCT
ejif-11201	312	9	.	.	PUNCT
ejif-11201	313	1	demirguc	demirguc	PROPN
ejif-11201	313	2	-	-	PUNCT
ejif-11201	313	3	kunt	kunt	PROPN
ejif-11201	313	4	,	,	PUNCT
ejif-11201	313	5	a.	a.	PROPN
ejif-11201	313	6	,	,	PUNCT
ejif-11201	313	7	klapper	klapper	PROPN
ejif-11201	313	8	,	,	PUNCT
ejif-11201	313	9	l.	l.	PROPN
ejif-11201	313	10	,	,	PUNCT
ejif-11201	313	11	&	&	CCONJ
ejif-11201	313	12	randall	randall	PROPN
ejif-11201	313	13	,	,	PUNCT
ejif-11201	313	14	d.	d.	PROPN
ejif-11201	313	15	(	(	PUNCT
ejif-11201	313	16	2014	2014	NUM
ejif-11201	313	17	)	)	PUNCT
ejif-11201	313	18	.	.	PUNCT
ejif-11201	314	1	islamic	islamic	ADJ
ejif-11201	314	2	finance	finance	PROPN
ejif-11201	314	3	and	and	CCONJ
ejif-11201	314	4	financial	financial	ADJ
ejif-11201	314	5	inclusion	inclusion	NOUN
ejif-11201	314	6	:	:	PUNCT
ejif-11201	314	7	measuring	measure	VERB
ejif-11201	314	8	use	use	NOUN
ejif-11201	314	9	of	of	ADP
ejif-11201	314	10	and	and	CCONJ
ejif-11201	314	11	demand	demand	NOUN
ejif-11201	314	12	for	for	ADP
ejif-11201	314	13	formal	formal	ADJ
ejif-11201	314	14	financial	financial	ADJ
ejif-11201	314	15	services	service	NOUN
ejif-11201	314	16	among	among	ADP
ejif-11201	314	17	muslim	muslim	ADJ
ejif-11201	314	18	adults	adult	NOUN
ejif-11201	314	19	.	.	PUNCT
ejif-11201	315	1	review	review	NOUN
ejif-11201	315	2	of	of	ADP
ejif-11201	315	3	middle	middle	PROPN
ejif-11201	315	4	east	east	PROPN
ejif-11201	315	5	economics	economic	NOUN
ejif-11201	315	6	and	and	CCONJ
ejif-11201	315	7	finance	finance	NOUN
ejif-11201	315	8	,	,	PUNCT
ejif-11201	315	9	10(2	10(2	NUM
ejif-11201	315	10	)	)	PUNCT
ejif-11201	315	11	.	.	PUNCT
ejif-11201	316	1	https://doi.org/10.1515/rmeef-2013-0062	https://doi.org/10.1515/rmeef-2013-0062	PROPN
ejif-11201	316	2	department	department	PROPN
ejif-11201	316	3	,	,	PUNCT
ejif-11201	316	4	i.	i.	PROPN
ejif-11201	316	5	b.	b.	PROPN
ejif-11201	316	6	(	(	PUNCT
ejif-11201	316	7	2008	2008	NUM
ejif-11201	316	8	)	)	PUNCT
ejif-11201	316	9	.	.	PUNCT
ejif-11201	317	1	handbook	handbook	NOUN
ejif-11201	317	2	of	of	ADP
ejif-11201	317	3	islamic	islamic	ADJ
ejif-11201	317	4	banking	banking	NOUN
ejif-11201	317	5	products	product	NOUN
ejif-11201	317	6	&	&	CCONJ
ejif-11201	317	7	services	services	PROPN
ejif-11201	317	8	state	state	PROPN
ejif-11201	317	9	bank	bank	PROPN
ejif-11201	317	10	of	of	ADP
ejif-11201	317	11	pakistan	pakistan	PROPN
ejif-11201	317	12	.	.	PUNCT
ejif-11201	318	1	development	development	PROPN
ejif-11201	318	2	bank	bank	PROPN
ejif-11201	318	3	,	,	PUNCT
ejif-11201	318	4	a.	a.	PROPN
ejif-11201	318	5	,	,	PUNCT
ejif-11201	318	6	&	&	CCONJ
ejif-11201	318	7	financial	financial	PROPN
ejif-11201	318	8	services	services	PROPN
ejif-11201	318	9	board	board	PROPN
ejif-11201	318	10	,	,	PUNCT
ejif-11201	318	11	i.	i.	PROPN
ejif-11201	318	12	(	(	PUNCT
ejif-11201	318	13	2015	2015	NUM
ejif-11201	318	14	)	)	PUNCT
ejif-11201	318	15	.	.	PUNCT
ejif-11201	319	1	asian	asian	PROPN
ejif-11201	319	2	development	development	PROPN
ejif-11201	319	3	bank	bank	PROPN
ejif-11201	319	4	islamic	islamic	PROPN
ejif-11201	319	5	finance	finance	PROPN
ejif-11201	319	6	for	for	ADP
ejif-11201	319	7	asia	asia	PROPN
ejif-11201	319	8	:	:	PUNCT
ejif-11201	319	9	development	development	NOUN
ejif-11201	319	10	,	,	PUNCT
ejif-11201	319	11	prospects	prospect	NOUN
ejif-11201	319	12	,	,	PUNCT
ejif-11201	319	13	and	and	CCONJ
ejif-11201	319	14	inclusive	inclusive	ADJ
ejif-11201	319	15	growth	growth	NOUN
ejif-11201	319	16	islamic	islamic	PROPN
ejif-11201	319	17	financial	financial	PROPN
ejif-11201	319	18	services	services	PROPN
ejif-11201	319	19	board	board	PROPN
ejif-11201	319	20	.	.	PUNCT
ejif-11201	320	1	dewi	dewi	PROPN
ejif-11201	320	2	,	,	PUNCT
ejif-11201	320	3	v.	v.	PROPN
ejif-11201	320	4	s.	s.	PROPN
ejif-11201	320	5	(	(	PUNCT
ejif-11201	320	6	2022	2022	NUM
ejif-11201	320	7	)	)	PUNCT
ejif-11201	320	8	.	.	PUNCT
ejif-11201	321	1	sharia	sharia	NOUN
ejif-11201	321	2	financing	financing	NOUN
ejif-11201	321	3	products	product	NOUN
ejif-11201	321	4	and	and	CCONJ
ejif-11201	321	5	the	the	DET
ejif-11201	321	6	performance	performance	NOUN
ejif-11201	321	7	of	of	ADP
ejif-11201	321	8	sharia	sharia	PROPN
ejif-11201	321	9	commercial	commercial	ADJ
ejif-11201	321	10	banks	bank	NOUN
ejif-11201	321	11	–	–	PUNCT
ejif-11201	321	12	the	the	DET
ejif-11201	321	13	evidence	evidence	NOUN
ejif-11201	321	14	from	from	ADP
ejif-11201	321	15	indonesia	indonesia	PROPN
ejif-11201	321	16	.	.	PUNCT
ejif-11201	322	1	bank	bank	PROPN
ejif-11201	323	1	i	i	PRON
ejif-11201	323	2	kredyt	kredyt	NOUN
ejif-11201	323	3	,	,	PUNCT
ejif-11201	323	4	53(5	53(5	NUM
ejif-11201	323	5	)	)	PUNCT
ejif-11201	323	6	,	,	PUNCT
ejif-11201	323	7	497–522	497–522	NUM
ejif-11201	323	8	.	.	PUNCT
ejif-11201	324	1	european	european	PROPN
ejif-11201	324	2	journal	journal	PROPN
ejif-11201	324	3	of	of	ADP
ejif-11201	324	4	islamic	islamic	PROPN
ejif-11201	324	5	finance	finance	PROPN
ejif-11201	324	6	issn	issn	PROPN
ejif-11201	324	7	:	:	PUNCT
ejif-11201	324	8	2421	2421	NUM
ejif-11201	324	9	-	-	SYM
ejif-11201	324	10	2172	2172	NUM
ejif-11201	324	11	doi	doi	NOUN
ejif-11201	324	12	:	:	PUNCT
ejif-11201	324	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	324	14	-	-	SYM
ejif-11201	324	15	2172/11201	2172/11201	NUM
ejif-11201	324	16	published	publish	VERB
ejif-11201	324	17	by	by	ADP
ejif-11201	324	18	university	university	PROPN
ejif-11201	324	19	of	of	ADP
ejif-11201	324	20	turin	turin	PROPN
ejif-11201	325	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	325	2	ejif	ejif	PROPN
ejif-11201	325	3	content	content	NOUN
ejif-11201	325	4	is	be	AUX
ejif-11201	325	5	licensed	license	VERB
ejif-11201	325	6	under	under	ADP
ejif-11201	325	7	a	a	DET
ejif-11201	325	8	creative	creative	ADJ
ejif-11201	325	9	commons	common	NOUN
ejif-11201	325	10	attribution	attribution	NOUN
ejif-11201	325	11	4.0	4.0	NUM
ejif-11201	325	12	international	international	ADJ
ejif-11201	325	13	license	license	NOUN
ejif-11201	325	14	86	86	NUM
ejif-11201	325	15	ekonomi	ekonomi	NOUN
ejif-11201	325	16	,	,	PUNCT
ejif-11201	325	17	j.	j.	PROPN
ejif-11201	325	18	,	,	PUNCT
ejif-11201	325	19	vol	vol	NOUN
ejif-11201	325	20	,	,	PUNCT
ejif-11201	325	21	k.	k.	PROPN
ejif-11201	325	22	s.	s.	PROPN
ejif-11201	325	23	,	,	PUNCT
ejif-11201	325	24	issn	issn	PROPN
ejif-11201	325	25	,	,	PUNCT
ejif-11201	325	26	o.	o.	PROPN
ejif-11201	325	27	,	,	PUNCT
ejif-11201	325	28	issn	issn	PROPN
ejif-11201	325	29	,	,	PUNCT
ejif-11201	325	30	p.	p.	NOUN
ejif-11201	325	31	,	,	PUNCT
ejif-11201	325	32	&	&	CCONJ
ejif-11201	325	33	scholar	scholar	NOUN
ejif-11201	325	34	,	,	PUNCT
ejif-11201	325	35	g.	g.	PROPN
ejif-11201	325	36	(	(	PUNCT
ejif-11201	325	37	2020	2020	NUM
ejif-11201	325	38	)	)	PUNCT
ejif-11201	325	39	.	.	PUNCT
ejif-11201	326	1	https://doi.org/10.29313/amwaluna.v4i2.5432	https://doi.org/10.29313/amwaluna.v4i2.5432	NOUN
ejif-11201	326	2	246	246	NUM
ejif-11201	326	3	.	.	PUNCT
ejif-11201	327	1	4(2	4(2	NUM
ejif-11201	327	2	)	)	PUNCT
ejif-11201	327	3	,	,	PUNCT
ejif-11201	328	1	246–259	246–259	NUM
ejif-11201	328	2	.	.	PUNCT
ejif-11201	329	1	fairuz	fairuz	PROPN
ejif-11201	329	2	,	,	PUNCT
ejif-11201	329	3	k.	k.	PROPN
ejif-11201	329	4	,	,	PUNCT
ejif-11201	329	5	nugraha	nugraha	PROPN
ejif-11201	329	6	,	,	PUNCT
ejif-11201	329	7	a.	a.	NOUN
ejif-11201	329	8	a.	a.	NOUN
ejif-11201	329	9	,	,	PUNCT
ejif-11201	329	10	yudantyo	yudantyo	NOUN
ejif-11201	329	11	,	,	PUNCT
ejif-11201	329	12	f.	f.	PROPN
ejif-11201	329	13	m.	m.	PROPN
ejif-11201	329	14	,	,	PUNCT
ejif-11201	329	15	sambodo	sambodo	PROPN
ejif-11201	329	16	,	,	PUNCT
ejif-11201	329	17	n.	n.	PROPN
ejif-11201	329	18	p.	p.	PROPN
ejif-11201	329	19	,	,	PUNCT
ejif-11201	329	20	choiriyah	choiriyah	PROPN
ejif-11201	329	21	,	,	PUNCT
ejif-11201	329	22	e.	e.	PROPN
ejif-11201	329	23	a.	a.	PROPN
ejif-11201	329	24	n.	n.	PROPN
ejif-11201	329	25	m.	m.	PROPN
ejif-11201	329	26	,	,	PUNCT
ejif-11201	329	27	pertiwi	pertiwi	PROPN
ejif-11201	329	28	,	,	PUNCT
ejif-11201	329	29	u.	u.	PROPN
ejif-11201	329	30	w.	w.	PROPN
ejif-11201	329	31	,	,	PUNCT
ejif-11201	329	32	&	&	CCONJ
ejif-11201	329	33	sekaringsih	sekaringsih	PROPN
ejif-11201	329	34	,	,	PUNCT
ejif-11201	329	35	r.	r.	PROPN
ejif-11201	329	36	b.	b.	PROPN
ejif-11201	329	37	(	(	PUNCT
ejif-11201	329	38	2022	2022	NUM
ejif-11201	329	39	)	)	PUNCT
ejif-11201	329	40	.	.	PUNCT
ejif-11201	330	1	do	do	AUX
ejif-11201	330	2	mosques	mosque	NOUN
ejif-11201	330	3	use	use	VERB
ejif-11201	330	4	islamic	islamic	PROPN
ejif-11201	330	5	bank	bank	PROPN
ejif-11201	330	6	services	service	NOUN
ejif-11201	330	7	?	?	PUNCT
ejif-11201	331	1	evidence	evidence	NOUN
ejif-11201	331	2	from	from	ADP
ejif-11201	331	3	indonesia	indonesia	PROPN
ejif-11201	331	4	.	.	PUNCT
ejif-11201	332	1	international	international	ADJ
ejif-11201	332	2	journal	journal	PROPN
ejif-11201	332	3	of	of	ADP
ejif-11201	332	4	monetary	monetary	ADJ
ejif-11201	332	5	economics	economic	NOUN
ejif-11201	332	6	and	and	CCONJ
ejif-11201	332	7	finance	finance	NOUN
ejif-11201	332	8	,	,	PUNCT
ejif-11201	332	9	15(3	15(3	NUM
ejif-11201	332	10	)	)	PUNCT
ejif-11201	332	11	,	,	PUNCT
ejif-11201	332	12	232	232	NUM
ejif-11201	332	13	-	-	SYM
ejif-11201	332	14	252	252	NUM
ejif-11201	332	15	.	.	PUNCT
ejif-11201	333	1	franciosi	franciosi	PROPN
ejif-11201	333	2	,	,	PUNCT
ejif-11201	333	3	l.	l.	PROPN
ejif-11201	333	4	m.	m.	PROPN
ejif-11201	333	5	(	(	PUNCT
ejif-11201	333	6	2025	2025	NUM
ejif-11201	333	7	)	)	PUNCT
ejif-11201	333	8	.	.	PUNCT
ejif-11201	334	1	islamic	islamic	ADJ
ejif-11201	334	2	finance	finance	NOUN
ejif-11201	334	3	and	and	CCONJ
ejif-11201	334	4	sustainable	sustainable	ADJ
ejif-11201	334	5	development	development	NOUN
ejif-11201	334	6	:	:	PUNCT
ejif-11201	334	7	key	key	ADJ
ejif-11201	334	8	ethical	ethical	ADJ
ejif-11201	334	9	features	feature	NOUN
ejif-11201	334	10	and	and	CCONJ
ejif-11201	334	11	proactive	proactive	ADJ
ejif-11201	334	12	initiatives	initiative	NOUN
ejif-11201	334	13	promoting	promote	VERB
ejif-11201	334	14	financial	financial	ADJ
ejif-11201	334	15	inclusion	inclusion	NOUN
ejif-11201	334	16	:	:	PUNCT
ejif-11201	334	17	islamic	islamic	ADJ
ejif-11201	334	18	finance	finance	NOUN
ejif-11201	334	19	and	and	CCONJ
ejif-11201	334	20	sustainable	sustainable	ADJ
ejif-11201	334	21	development	development	NOUN
ejif-11201	334	22	.	.	PUNCT
ejif-11201	335	1	european	european	PROPN
ejif-11201	335	2	journal	journal	PROPN
ejif-11201	335	3	of	of	ADP
ejif-11201	335	4	islamic	islamic	PROPN
ejif-11201	335	5	finance	finance	PROPN
ejif-11201	335	6	,	,	PUNCT
ejif-11201	335	7	12(2	12(2	NUM
ejif-11201	335	8	)	)	PUNCT
ejif-11201	335	9	,	,	PUNCT
ejif-11201	335	10	30	30	NUM
ejif-11201	335	11	-	-	SYM
ejif-11201	335	12	47	47	NUM
ejif-11201	335	13	.	.	PUNCT
ejif-11201	336	1	gherbi	gherbi	PROPN
ejif-11201	336	2	,	,	PUNCT
ejif-11201	336	3	a.	a.	NOUN
ejif-11201	336	4	a.	a.	NOUN
ejif-11201	336	5	(	(	PUNCT
ejif-11201	336	6	2020	2020	NUM
ejif-11201	336	7	)	)	PUNCT
ejif-11201	336	8	.	.	PUNCT
ejif-11201	337	1	the	the	DET
ejif-11201	337	2	role	role	NOUN
ejif-11201	337	3	of	of	ADP
ejif-11201	337	4	bancatakāful	bancatakāful	ADJ
ejif-11201	337	5	in	in	ADP
ejif-11201	337	6	developing	develop	VERB
ejif-11201	337	7	and	and	CCONJ
ejif-11201	337	8	protecting	protect	VERB
ejif-11201	337	9	the	the	DET
ejif-11201	337	10	islamic	islamic	ADJ
ejif-11201	337	11	financial	financial	ADJ
ejif-11201	337	12	industry	industry	NOUN
ejif-11201	337	13	.	.	PUNCT
ejif-11201	338	1	journal	journal	PROPN
ejif-11201	338	2	of	of	ADP
ejif-11201	338	3	king	king	PROPN
ejif-11201	338	4	abdulaziz	abdulaziz	PROPN
ejif-11201	338	5	university	university	PROPN
ejif-11201	338	6	:	:	PUNCT
ejif-11201	338	7	islamic	islamic	ADJ
ejif-11201	338	8	economics	economic	NOUN
ejif-11201	338	9	,	,	PUNCT
ejif-11201	338	10	33(3	33(3	NOUN
ejif-11201	338	11	)	)	PUNCT
ejif-11201	338	12	,	,	PUNCT
ejif-11201	338	13	3	3	NUM
ejif-11201	338	14	-	-	SYM
ejif-11201	338	15	40	40	NUM
ejif-11201	338	16	.	.	PUNCT
ejif-11201	339	1	gundogdu	gundogdu	PROPN
ejif-11201	339	2	,	,	PUNCT
ejif-11201	339	3	a.	a.	PROPN
ejif-11201	339	4	s.	s.	PROPN
ejif-11201	339	5	(	(	PUNCT
ejif-11201	339	6	2018	2018	NUM
ejif-11201	339	7	)	)	PUNCT
ejif-11201	339	8	.	.	PUNCT
ejif-11201	340	1	the	the	DET
ejif-11201	340	2	rise	rise	NOUN
ejif-11201	340	3	of	of	ADP
ejif-11201	340	4	islamic	islamic	ADJ
ejif-11201	340	5	finance	finance	NOUN
ejif-11201	340	6	:	:	PUNCT
ejif-11201	340	7	2	2	NUM
ejif-11201	340	8	-	-	PUNCT
ejif-11201	340	9	step	step	NOUN
ejif-11201	340	10	murabaha	murabaha	NOUN
ejif-11201	340	11	.	.	PUNCT
ejif-11201	341	1	hadji	hadji	PROPN
ejif-11201	341	2	latif	latif	PROPN
ejif-11201	341	3	,	,	PUNCT
ejif-11201	341	4	s.	s.	PROPN
ejif-11201	341	5	d.	d.	PROPN
ejif-11201	341	6	(	(	PUNCT
ejif-11201	341	7	2021	2021	NUM
ejif-11201	341	8	)	)	PUNCT
ejif-11201	341	9	.	.	PUNCT
ejif-11201	342	1	knowledge	knowledge	NOUN
ejif-11201	342	2	and	and	CCONJ
ejif-11201	342	3	attitudes	attitude	NOUN
ejif-11201	342	4	towards	towards	ADP
ejif-11201	342	5	islamic	islamic	ADJ
ejif-11201	342	6	banking	banking	NOUN
ejif-11201	342	7	in	in	ADP
ejif-11201	342	8	the	the	DET
ejif-11201	342	9	philippines	philippine	NOUN
ejif-11201	342	10	.	.	PUNCT
ejif-11201	343	1	journal	journal	PROPN
ejif-11201	343	2	of	of	ADP
ejif-11201	343	3	islamic	islamic	PROPN
ejif-11201	343	4	accounting	accounting	PROPN
ejif-11201	343	5	and	and	CCONJ
ejif-11201	343	6	business	business	NOUN
ejif-11201	343	7	research	research	NOUN
ejif-11201	343	8	,	,	PUNCT
ejif-11201	343	9	12(2	12(2	NUM
ejif-11201	343	10	)	)	PUNCT
ejif-11201	343	11	,	,	PUNCT
ejif-11201	343	12	169	169	NUM
ejif-11201	343	13	-	-	SYM
ejif-11201	343	14	185	185	NUM
ejif-11201	343	15	.	.	PUNCT
ejif-11201	344	1	haridan	haridan	PROPN
ejif-11201	344	2	,	,	PUNCT
ejif-11201	344	3	n.	n.	PROPN
ejif-11201	344	4	m.	m.	PROPN
ejif-11201	344	5	,	,	PUNCT
ejif-11201	344	6	hassan	hassan	PROPN
ejif-11201	344	7	,	,	PUNCT
ejif-11201	344	8	a.	a.	PROPN
ejif-11201	344	9	f.	f.	PROPN
ejif-11201	344	10	,	,	PUNCT
ejif-11201	344	11	&	&	CCONJ
ejif-11201	344	12	karbhari	karbhari	PROPN
ejif-11201	344	13	,	,	PUNCT
ejif-11201	344	14	y.	y.	PROPN
ejif-11201	344	15	(	(	PUNCT
ejif-11201	344	16	2018	2018	NUM
ejif-11201	344	17	)	)	PUNCT
ejif-11201	344	18	.	.	PUNCT
ejif-11201	345	1	governance	governance	NOUN
ejif-11201	345	2	,	,	PUNCT
ejif-11201	345	3	religious	religious	ADJ
ejif-11201	345	4	assurance	assurance	NOUN
ejif-11201	345	5	and	and	CCONJ
ejif-11201	345	6	islamic	islamic	ADJ
ejif-11201	345	7	banks	bank	NOUN
ejif-11201	345	8	:	:	PUNCT
ejif-11201	345	9	do	do	AUX
ejif-11201	345	10	shariah	shariah	PROPN
ejif-11201	345	11	boards	board	NOUN
ejif-11201	345	12	effectively	effectively	ADV
ejif-11201	345	13	serve	serve	VERB
ejif-11201	345	14	?	?	PUNCT
ejif-11201	345	15	.	.	PUNCT
ejif-11201	346	1	journal	journal	PROPN
ejif-11201	346	2	of	of	ADP
ejif-11201	346	3	management	management	NOUN
ejif-11201	346	4	and	and	CCONJ
ejif-11201	346	5	governance	governance	NOUN
ejif-11201	346	6	,	,	PUNCT
ejif-11201	346	7	22	22	NUM
ejif-11201	346	8	,	,	PUNCT
ejif-11201	346	9	1015	1015	NUM
ejif-11201	346	10	-	-	SYM
ejif-11201	346	11	1043	1043	NUM
ejif-11201	346	12	.	.	PUNCT
ejif-11201	347	1	hamzat	hamzat	NOUN
ejif-11201	347	2	,	,	PUNCT
ejif-11201	347	3	m.	m.	NOUN
ejif-11201	347	4	a.	a.	PROPN
ejif-11201	347	5	,	,	PUNCT
ejif-11201	347	6	&	&	CCONJ
ejif-11201	347	7	nwankwo	nwankwo	PROPN
ejif-11201	347	8	,	,	PUNCT
ejif-11201	347	9	t.	t.	PROPN
ejif-11201	347	10	(	(	PUNCT
ejif-11201	347	11	2023	2023	NUM
ejif-11201	347	12	)	)	PUNCT
ejif-11201	347	13	.	.	PUNCT
ejif-11201	348	1	islamic	islamic	ADJ
ejif-11201	348	2	banking	banking	PROPN
ejif-11201	348	3	and	and	CCONJ
ejif-11201	348	4	financial	financial	ADJ
ejif-11201	348	5	inclusion	inclusion	NOUN
ejif-11201	348	6	of	of	ADP
ejif-11201	348	7	women	woman	NOUN
ejif-11201	348	8	in	in	ADP
ejif-11201	348	9	lagos	lago	NOUN
ejif-11201	348	10	.	.	PUNCT
ejif-11201	349	1	fintech	fintech	NOUN
ejif-11201	349	2	and	and	CCONJ
ejif-11201	349	3	ai	ai	VERB
ejif-11201	349	4	in	in	ADP
ejif-11201	349	5	finance	finance	NOUN
ejif-11201	349	6	(	(	PUNCT
ejif-11201	349	7	fintaf	fintaf	NOUN
ejif-11201	349	8	)	)	PUNCT
ejif-11201	349	9	,	,	PUNCT
ejif-11201	349	10	1(1	1(1	NUM
ejif-11201	349	11	)	)	PUNCT
ejif-11201	349	12	.	.	PUNCT
ejif-11201	350	1	imamnazarov	imamnazarov	PROPN
ejif-11201	350	2	,	,	PUNCT
ejif-11201	350	3	j.	j.	PROPN
ejif-11201	350	4	(	(	PUNCT
ejif-11201	350	5	2020	2020	NUM
ejif-11201	350	6	)	)	PUNCT
ejif-11201	350	7	.	.	PUNCT
ejif-11201	351	1	landscaping	landscape	VERB
ejif-11201	351	2	analysis	analysis	NOUN
ejif-11201	351	3	of	of	ADP
ejif-11201	351	4	islamic	islamic	ADJ
ejif-11201	351	5	finance	finance	NOUN
ejif-11201	351	6	instruments	instrument	NOUN
ejif-11201	351	7	.	.	PUNCT
ejif-11201	352	1	irimia	irimia	NOUN
ejif-11201	352	2	-	-	PUNCT
ejif-11201	352	3	diéguez	diéguez	NOUN
ejif-11201	352	4	,	,	PUNCT
ejif-11201	352	5	a.	a.	NOUN
ejif-11201	352	6	,	,	PUNCT
ejif-11201	352	7	albort	albort	NOUN
ejif-11201	352	8	-	-	PUNCT
ejif-11201	352	9	morant	morant	PROPN
ejif-11201	352	10	,	,	PUNCT
ejif-11201	352	11	g.	g.	PROPN
ejif-11201	352	12	,	,	PUNCT
ejif-11201	352	13	oliver	oliver	PROPN
ejif-11201	352	14	-	-	PUNCT
ejif-11201	352	15	alfonso	alfonso	PROPN
ejif-11201	352	16	,	,	PUNCT
ejif-11201	352	17	m.	m.	NOUN
ejif-11201	352	18	d.	d.	PROPN
ejif-11201	352	19	,	,	PUNCT
ejif-11201	352	20	&	&	CCONJ
ejif-11201	352	21	ullah	ullah	PROPN
ejif-11201	352	22	,	,	PUNCT
ejif-11201	352	23	s.	s.	PROPN
ejif-11201	352	24	(	(	PUNCT
ejif-11201	352	25	2024	2024	NUM
ejif-11201	352	26	)	)	PUNCT
ejif-11201	352	27	.	.	PUNCT
ejif-11201	353	1	predicting	predict	VERB
ejif-11201	353	2	the	the	DET
ejif-11201	353	3	intention	intention	NOUN
ejif-11201	353	4	to	to	PART
ejif-11201	353	5	use	use	VERB
ejif-11201	353	6	paytech	paytech	NOUN
ejif-11201	353	7	services	service	NOUN
ejif-11201	353	8	by	by	ADP
ejif-11201	353	9	islamic	islamic	ADJ
ejif-11201	353	10	banking	banking	NOUN
ejif-11201	353	11	users	user	NOUN
ejif-11201	353	12	.	.	PUNCT
ejif-11201	354	1	international	international	ADJ
ejif-11201	354	2	journal	journal	PROPN
ejif-11201	354	3	of	of	ADP
ejif-11201	354	4	islamic	islamic	ADJ
ejif-11201	354	5	and	and	CCONJ
ejif-11201	354	6	middle	middle	ADJ
ejif-11201	354	7	eastern	eastern	ADJ
ejif-11201	354	8	finance	finance	NOUN
ejif-11201	354	9	and	and	CCONJ
ejif-11201	354	10	management	management	NOUN
ejif-11201	354	11	,	,	PUNCT
ejif-11201	354	12	17(1	17(1	NUM
ejif-11201	354	13	)	)	PUNCT
ejif-11201	354	14	,	,	PUNCT
ejif-11201	354	15	115	115	NUM
ejif-11201	354	16	.	.	PUNCT
ejif-11201	355	1	jan	jan	PROPN
ejif-11201	355	2	,	,	PUNCT
ejif-11201	355	3	s.	s.	PROPN
ejif-11201	355	4	,	,	PUNCT
ejif-11201	355	5	khan	khan	PROPN
ejif-11201	355	6	,	,	PUNCT
ejif-11201	355	7	z.	z.	PROPN
ejif-11201	355	8	,	,	PUNCT
ejif-11201	355	9	&	&	CCONJ
ejif-11201	355	10	ullah	ullah	PROPN
ejif-11201	355	11	,	,	PUNCT
ejif-11201	355	12	k.	k.	PROPN
ejif-11201	355	13	(	(	PUNCT
ejif-11201	355	14	2018	2018	NUM
ejif-11201	355	15	)	)	PUNCT
ejif-11201	355	16	.	.	PUNCT
ejif-11201	356	1	institutionalizing	institutionalize	VERB
ejif-11201	356	2	justice	justice	NOUN
ejif-11201	356	3	in	in	ADP
ejif-11201	356	4	islamic	islamic	ADJ
ejif-11201	356	5	finance	finance	PROPN
ejif-11201	356	6	.	.	PUNCT
ejif-11201	357	1	journal	journal	PROPN
ejif-11201	357	2	of	of	ADP
ejif-11201	357	3	islamic	islamic	ADJ
ejif-11201	357	4	economics	economic	NOUN
ejif-11201	357	5	,	,	PUNCT
ejif-11201	357	6	banking	banking	NOUN
ejif-11201	357	7	and	and	CCONJ
ejif-11201	357	8	finance	finance	NOUN
ejif-11201	357	9	(	(	PUNCT
ejif-11201	357	10	jiebf	jiebf	PROPN
ejif-11201	357	11	)	)	PUNCT
ejif-11201	357	12	,	,	PUNCT
ejif-11201	357	13	14(1	14(1	NUM
ejif-11201	357	14	)	)	PUNCT
ejif-11201	357	15	.	.	PUNCT
ejif-11201	358	1	kamalu	kamalu	PROPN
ejif-11201	358	2	,	,	PUNCT
ejif-11201	358	3	k.	k.	PROPN
ejif-11201	358	4	,	,	PUNCT
ejif-11201	358	5	&	&	CCONJ
ejif-11201	358	6	ibrahim	ibrahim	PROPN
ejif-11201	358	7	,	,	PUNCT
ejif-11201	358	8	w.	w.	PROPN
ejif-11201	358	9	h.	h.	PROPN
ejif-11201	358	10	b.	b.	PROPN
ejif-11201	358	11	w.	w.	PROPN
ejif-11201	358	12	(	(	PUNCT
ejif-11201	358	13	2021	2021	NUM
ejif-11201	358	14	)	)	PUNCT
ejif-11201	358	15	.	.	PUNCT
ejif-11201	359	1	islamic	islamic	ADJ
ejif-11201	359	2	banking	banking	PROPN
ejif-11201	359	3	development	development	NOUN
ejif-11201	359	4	and	and	CCONJ
ejif-11201	359	5	financial	financial	ADJ
ejif-11201	359	6	inclusion	inclusion	NOUN
ejif-11201	359	7	in	in	ADP
ejif-11201	359	8	oic	oic	PROPN
ejif-11201	359	9	member	member	NOUN
ejif-11201	359	10	countries	country	NOUN
ejif-11201	359	11	:	:	PUNCT
ejif-11201	359	12	the	the	DET
ejif-11201	359	13	moderating	moderate	VERB
ejif-11201	359	14	role	role	NOUN
ejif-11201	359	15	of	of	ADP
ejif-11201	359	16	institutions	institution	NOUN
ejif-11201	359	17	.	.	PUNCT
ejif-11201	360	1	journal	journal	PROPN
ejif-11201	360	2	of	of	ADP
ejif-11201	360	3	islamic	islamic	ADJ
ejif-11201	360	4	monetary	monetary	ADJ
ejif-11201	360	5	economics	economic	NOUN
ejif-11201	360	6	and	and	CCONJ
ejif-11201	360	7	finance	finance	NOUN
ejif-11201	360	8	,	,	PUNCT
ejif-11201	360	9	7(3	7(3	NUM
ejif-11201	360	10	)	)	PUNCT
ejif-11201	360	11	,	,	PUNCT
ejif-11201	360	12	527	527	NUM
ejif-11201	360	13	-	-	SYM
ejif-11201	360	14	544	544	NUM
ejif-11201	360	15	.	.	PUNCT
ejif-11201	361	1	kannaiah	kannaiah	PROPN
ejif-11201	361	2	,	,	PUNCT
ejif-11201	361	3	d.	d.	PROPN
ejif-11201	361	4	,	,	PUNCT
ejif-11201	361	5	masvood	masvood	PROPN
ejif-11201	361	6	,	,	PUNCT
ejif-11201	361	7	y.	y.	PROPN
ejif-11201	361	8	,	,	PUNCT
ejif-11201	361	9	&	&	CCONJ
ejif-11201	361	10	lokesh	lokesh	PROPN
ejif-11201	361	11	,	,	PUNCT
ejif-11201	361	12	c.	c.	PROPN
ejif-11201	361	13	y.	y.	PROPN
ejif-11201	361	14	(	(	PUNCT
ejif-11201	361	15	2017	2017	NUM
ejif-11201	361	16	)	)	PUNCT
ejif-11201	361	17	.	.	PUNCT
ejif-11201	362	1	growth	growth	NOUN
ejif-11201	362	2	of	of	ADP
ejif-11201	362	3	islamic	islamic	ADJ
ejif-11201	362	4	banking	banking	NOUN
ejif-11201	362	5	in	in	ADP
ejif-11201	362	6	india	india	PROPN
ejif-11201	362	7	:	:	PUNCT
ejif-11201	362	8	discriminant	discriminant	VERB
ejif-11201	362	9	analysis	analysis	NOUN
ejif-11201	362	10	approach	approach	NOUN
ejif-11201	362	11	.	.	PUNCT
ejif-11201	363	1	banks	bank	NOUN
ejif-11201	363	2	&	&	CCONJ
ejif-11201	363	3	bank	bank	PROPN
ejif-11201	363	4	systems	system	NOUN
ejif-11201	363	5	,	,	PUNCT
ejif-11201	363	6	(	(	PUNCT
ejif-11201	363	7	12	12	NUM
ejif-11201	363	8	,	,	PUNCT
ejif-11201	363	9	№	№	ADV
ejif-11201	363	10	4	4	NUM
ejif-11201	363	11	(	(	PUNCT
ejif-11201	363	12	cont	cont	NOUN
ejif-11201	363	13	.	.	PUNCT
ejif-11201	363	14	)	)	PUNCT
ejif-11201	363	15	)	)	PUNCT
ejif-11201	363	16	,	,	PUNCT
ejif-11201	363	17	175	175	NUM
ejif-11201	363	18	-	-	SYM
ejif-11201	363	19	188	188	NUM
ejif-11201	363	20	.	.	PUNCT
ejif-11201	364	1	karlan	karlan	PROPN
ejif-11201	364	2	,	,	PUNCT
ejif-11201	364	3	d.	d.	PROPN
ejif-11201	364	4	,	,	PUNCT
ejif-11201	364	5	osman	osman	PROPN
ejif-11201	364	6	,	,	PUNCT
ejif-11201	364	7	a.	a.	PROPN
ejif-11201	364	8	,	,	PUNCT
ejif-11201	364	9	&	&	CCONJ
ejif-11201	364	10	shammout	shammout	PROPN
ejif-11201	364	11	,	,	PUNCT
ejif-11201	364	12	n.	n.	NOUN
ejif-11201	364	13	(	(	PUNCT
ejif-11201	364	14	2021	2021	NUM
ejif-11201	364	15	)	)	PUNCT
ejif-11201	364	16	.	.	PUNCT
ejif-11201	365	1	increasing	increase	VERB
ejif-11201	365	2	financial	financial	ADJ
ejif-11201	365	3	inclusion	inclusion	NOUN
ejif-11201	365	4	in	in	ADP
ejif-11201	365	5	the	the	DET
ejif-11201	365	6	muslim	muslim	ADJ
ejif-11201	365	7	world	world	NOUN
ejif-11201	365	8	:	:	PUNCT
ejif-11201	365	9	evidence	evidence	NOUN
ejif-11201	365	10	from	from	ADP
ejif-11201	365	11	an	an	DET
ejif-11201	365	12	islamic	islamic	ADJ
ejif-11201	365	13	finance	finance	NOUN
ejif-11201	365	14	marketing	marketing	NOUN
ejif-11201	365	15	experiment	experiment	NOUN
ejif-11201	365	16	.	.	PUNCT
ejif-11201	366	1	the	the	DET
ejif-11201	366	2	world	world	PROPN
ejif-11201	366	3	bank	bank	PROPN
ejif-11201	366	4	economic	economic	PROPN
ejif-11201	366	5	review	review	PROPN
ejif-11201	366	6	,	,	PUNCT
ejif-11201	366	7	35(2	35(2	NUM
ejif-11201	366	8	)	)	PUNCT
ejif-11201	366	9	,	,	PUNCT
ejif-11201	366	10	376	376	NUM
ejif-11201	366	11	-	-	SYM
ejif-11201	366	12	397	397	NUM
ejif-11201	366	13	.	.	PUNCT
ejif-11201	367	1	khmous	khmous	ADJ
ejif-11201	367	2	,	,	PUNCT
ejif-11201	367	3	d.	d.	PROPN
ejif-11201	367	4	f.	f.	PROPN
ejif-11201	367	5	,	,	PUNCT
ejif-11201	367	6	&	&	CCONJ
ejif-11201	367	7	besim	besim	NOUN
ejif-11201	367	8	,	,	PUNCT
ejif-11201	367	9	m.	m.	NOUN
ejif-11201	367	10	(	(	PUNCT
ejif-11201	367	11	2020	2020	NUM
ejif-11201	367	12	)	)	PUNCT
ejif-11201	367	13	.	.	PUNCT
ejif-11201	368	1	impact	impact	NOUN
ejif-11201	368	2	of	of	ADP
ejif-11201	368	3	islamic	islamic	ADJ
ejif-11201	368	4	banking	banking	NOUN
ejif-11201	368	5	share	share	NOUN
ejif-11201	368	6	on	on	ADP
ejif-11201	368	7	financial	financial	ADJ
ejif-11201	368	8	inclusion	inclusion	NOUN
ejif-11201	368	9	:	:	PUNCT
ejif-11201	368	10	evidence	evidence	NOUN
ejif-11201	368	11	from	from	ADP
ejif-11201	368	12	mena	mena	PROPN
ejif-11201	368	13	.	.	PUNCT
ejif-11201	369	1	international	international	ADJ
ejif-11201	369	2	journal	journal	PROPN
ejif-11201	369	3	of	of	ADP
ejif-11201	369	4	islamic	islamic	ADJ
ejif-11201	369	5	and	and	CCONJ
ejif-11201	369	6	middle	middle	ADJ
ejif-11201	369	7	eastern	eastern	ADJ
ejif-11201	369	8	finance	finance	NOUN
ejif-11201	369	9	and	and	CCONJ
ejif-11201	369	10	management	management	NOUN
ejif-11201	369	11	,	,	PUNCT
ejif-11201	369	12	13(4	13(4	NUM
ejif-11201	369	13	)	)	PUNCT
ejif-11201	369	14	,	,	PUNCT
ejif-11201	369	15	655	655	NUM
ejif-11201	369	16	-	-	SYM
ejif-11201	369	17	673	673	NUM
ejif-11201	369	18	.	.	PUNCT
ejif-11201	370	1	latif	latif	PROPN
ejif-11201	370	2	.	.	PUNCT
ejif-11201	371	1	(	(	PUNCT
ejif-11201	371	2	2013	2013	NUM
ejif-11201	371	3	)	)	PUNCT
ejif-11201	371	4	.	.	PUNCT
ejif-11201	372	1	introduction	introduction	NOUN
ejif-11201	372	2	to	to	ADP
ejif-11201	372	3	islamic	islamic	ADJ
ejif-11201	372	4	finance	finance	NOUN
ejif-11201	372	5	main	main	ADJ
ejif-11201	372	6	features	feature	NOUN
ejif-11201	372	7	of	of	ADP
ejif-11201	372	8	.	.	PUNCT
ejif-11201	373	1	1–7	1–7	X
ejif-11201	373	2	.	.	PUNCT
ejif-11201	373	3	ledhem	ledhem	PROPN
ejif-11201	373	4	,	,	PUNCT
ejif-11201	373	5	m.	m.	NOUN
ejif-11201	373	6	a.	a.	NOUN
ejif-11201	373	7	(	(	PUNCT
ejif-11201	373	8	2022	2022	NUM
ejif-11201	373	9	)	)	PUNCT
ejif-11201	373	10	.	.	PUNCT
ejif-11201	374	1	role	role	NOUN
ejif-11201	374	2	of	of	ADP
ejif-11201	374	3	islamic	islamic	ADJ
ejif-11201	374	4	finance	finance	NOUN
ejif-11201	374	5	on	on	ADP
ejif-11201	374	6	enhancing	enhance	VERB
ejif-11201	374	7	financial	financial	ADJ
ejif-11201	374	8	inclusion	inclusion	NOUN
ejif-11201	374	9	:	:	PUNCT
ejif-11201	374	10	recommended	recommend	VERB
ejif-11201	374	11	lessons	lesson	NOUN
ejif-11201	374	12	for	for	ADP
ejif-11201	374	13	algeria	algeria	PROPN
ejif-11201	374	14	from	from	ADP
ejif-11201	374	15	the	the	DET
ejif-11201	374	16	malaysian	malaysian	ADJ
ejif-11201	374	17	experiment	experiment	NOUN
ejif-11201	374	18	.	.	PUNCT
ejif-11201	375	1	prospects	prospect	NOUN
ejif-11201	375	2	,	,	PUNCT
ejif-11201	375	3	6(01	6(01	NUM
ejif-11201	375	4	)	)	PUNCT
ejif-11201	375	5	,	,	PUNCT
ejif-11201	375	6	640	640	NUM
ejif-11201	375	7	-	-	SYM
ejif-11201	375	8	659	659	NUM
ejif-11201	375	9	.	.	PUNCT
ejif-11201	376	1	mahlaba	mahlaba	PROPN
ejif-11201	376	2	,	,	PUNCT
ejif-11201	376	3	a.	a.	NOUN
ejif-11201	376	4	(	(	PUNCT
ejif-11201	376	5	2021	2021	NUM
ejif-11201	376	6	)	)	PUNCT
ejif-11201	376	7	.	.	PUNCT
ejif-11201	377	1	islamic	islamic	ADJ
ejif-11201	377	2	banking	banking	PROPN
ejif-11201	377	3	in	in	ADP
ejif-11201	377	4	south	south	PROPN
ejif-11201	377	5	africa	africa	PROPN
ejif-11201	377	6	1	1	NUM
ejif-11201	377	7	.	.	PUNCT
ejif-11201	377	8	1–14	1–14	PROPN
ejif-11201	377	9	.	.	PROPN
ejif-11201	377	10	makroekonom	makroekonom	PROPN
ejif-11201	377	11	,	,	PUNCT
ejif-11201	377	12	l.	l.	PROPN
ejif-11201	377	13	e.	e.	PROPN
ejif-11201	377	14	,	,	PUNCT
ejif-11201	377	15	&	&	CCONJ
ejif-11201	377	16	arasindak	arasindak	PROPN
ejif-11201	377	17	,	,	PUNCT
ejif-11201	377	18	k.	k.	PROPN
ejif-11201	377	19	(	(	PUNCT
ejif-11201	377	20	2022	2022	NUM
ejif-11201	377	21	)	)	PUNCT
ejif-11201	377	22	.	.	PUNCT
ejif-11201	378	1	the	the	DET
ejif-11201	378	2	relationship	relationship	NOUN
ejif-11201	378	3	between	between	ADP
ejif-11201	378	4	murabaha	murabaha	NOUN
ejif-11201	378	5	and	and	CCONJ
ejif-11201	378	6	macroeconomic	macroeconomic	ADJ
ejif-11201	378	7	dynamics	dynamic	NOUN
ejif-11201	378	8	.	.	PUNCT
ejif-11201	379	1	119	119	NUM
ejif-11201	379	2	–	–	SYM
ejif-11201	379	3	136	136	NUM
ejif-11201	379	4	.	.	PUNCT
ejif-11201	380	1	https://doi.org/10.14780/muiibd.1135535	https://doi.org/10.14780/muiibd.1135535	PROPN
ejif-11201	380	2	nawaz	nawaz	PROPN
ejif-11201	380	3	,	,	PUNCT
ejif-11201	380	4	t.	t.	PROPN
ejif-11201	380	5	(	(	PUNCT
ejif-11201	380	6	2018	2018	NUM
ejif-11201	380	7	)	)	PUNCT
ejif-11201	380	8	.	.	PUNCT
ejif-11201	381	1	lifting	lift	VERB
ejif-11201	381	2	the	the	DET
ejif-11201	381	3	lid	lid	NOUN
ejif-11201	381	4	on	on	ADP
ejif-11201	381	5	financial	financial	ADJ
ejif-11201	381	6	inclusion	inclusion	NOUN
ejif-11201	381	7	:	:	PUNCT
ejif-11201	381	8	evidence	evidence	NOUN
ejif-11201	381	9	from	from	ADP
ejif-11201	381	10	emerging	emerge	VERB
ejif-11201	381	11	economies	economy	NOUN
ejif-11201	381	12	.	.	PUNCT
ejif-11201	382	1	international	international	ADJ
ejif-11201	382	2	journal	journal	PROPN
ejif-11201	382	3	of	of	ADP
ejif-11201	382	4	financial	financial	ADJ
ejif-11201	382	5	studies	study	NOUN
ejif-11201	382	6	,	,	PUNCT
ejif-11201	382	7	6(2	6(2	NUM
ejif-11201	382	8	)	)	PUNCT
ejif-11201	382	9	,	,	PUNCT
ejif-11201	382	10	59	59	NUM
ejif-11201	382	11	.	.	PUNCT
ejif-11201	383	1	oecd	oecd	PROPN
ejif-11201	383	2	.	.	PUNCT
ejif-11201	384	1	(	(	PUNCT
ejif-11201	384	2	2020	2020	NUM
ejif-11201	384	3	)	)	PUNCT
ejif-11201	384	4	.	.	PUNCT
ejif-11201	385	1	june	june	PROPN
ejif-11201	385	2	2020	2020	NUM
ejif-11201	386	1	no	no	INTJ
ejif-11201	386	2	.	.	NOUN
ejif-11201	386	3	30	30	NUM
ejif-11201	386	4	.	.	NOUN
ejif-11201	386	5	30	30	NUM
ejif-11201	386	6	,	,	PUNCT
ejif-11201	386	7	18	18	NUM
ejif-11201	386	8	.	.	PUNCT
ejif-11201	386	9	ramaian	ramaian	ADJ
ejif-11201	386	10	vasantha	vasantha	NOUN
ejif-11201	386	11	,	,	PUNCT
ejif-11201	386	12	n.	n.	NOUN
ejif-11201	386	13	,	,	PUNCT
ejif-11201	386	14	liew	liew	PROPN
ejif-11201	386	15	,	,	PUNCT
ejif-11201	386	16	c.	c.	PROPN
ejif-11201	386	17	y.	y.	PROPN
ejif-11201	386	18	,	,	PUNCT
ejif-11201	386	19	&	&	CCONJ
ejif-11201	386	20	kijkasiwat	kijkasiwat	PROPN
ejif-11201	386	21	,	,	PUNCT
ejif-11201	386	22	p.	p.	NOUN
ejif-11201	386	23	(	(	PUNCT
ejif-11201	386	24	2023	2023	NUM
ejif-11201	386	25	)	)	PUNCT
ejif-11201	386	26	.	.	PUNCT
ejif-11201	387	1	exploring	explore	VERB
ejif-11201	387	2	financial	financial	ADJ
ejif-11201	387	3	inclusion	inclusion	NOUN
ejif-11201	387	4	in	in	ADP
ejif-11201	387	5	mena	mena	PROPN
ejif-11201	387	6	countries	countries	PROPN
ejif-11201	387	7	:	:	PUNCT
ejif-11201	387	8	an	an	DET
ejif-11201	387	9	entropy	entropy	NOUN
ejif-11201	387	10	weight	weight	NOUN
ejif-11201	387	11	approach	approach	NOUN
ejif-11201	387	12	.	.	PUNCT
ejif-11201	388	1	international	international	ADJ
ejif-11201	388	2	journal	journal	PROPN
ejif-11201	388	3	of	of	ADP
ejif-11201	388	4	islamic	islamic	ADJ
ejif-11201	388	5	and	and	CCONJ
ejif-11201	388	6	middle	middle	ADJ
ejif-11201	388	7	eastern	eastern	ADJ
ejif-11201	388	8	finance	finance	NOUN
ejif-11201	388	9	and	and	CCONJ
ejif-11201	388	10	management	management	NOUN
ejif-11201	388	11	,	,	PUNCT
ejif-11201	388	12	16(6	16(6	NUM
ejif-11201	388	13	)	)	PUNCT
ejif-11201	388	14	,	,	PUNCT
ejif-11201	388	15	1219	1219	NUM
ejif-11201	388	16	-	-	SYM
ejif-11201	388	17	1247	1247	NUM
ejif-11201	388	18	.	.	PUNCT
ejif-11201	389	1	rammal	rammal	NOUN
ejif-11201	389	2	,	,	PUNCT
ejif-11201	389	3	h.	h.	PROPN
ejif-11201	389	4	g.	g.	PROPN
ejif-11201	389	5	(	(	PUNCT
ejif-11201	389	6	2020	2020	NUM
ejif-11201	389	7	)	)	PUNCT
ejif-11201	389	8	.	.	PUNCT
ejif-11201	390	1	mudaraba	mudaraba	PROPN
ejif-11201	390	2	in	in	ADP
ejif-11201	390	3	islamic	islamic	ADJ
ejif-11201	390	4	finance	finance	NOUN
ejif-11201	390	5	:	:	PUNCT
ejif-11201	390	6	principles	principle	NOUN
ejif-11201	390	7	and	and	CCONJ
ejif-11201	390	8	application	application	NOUN
ejif-11201	390	9	.	.	PUNCT
ejif-11201	391	1	july	july	PROPN
ejif-11201	391	2	.	.	PUNCT
ejif-11201	392	1	razak	razak	PROPN
ejif-11201	392	2	,	,	PUNCT
ejif-11201	392	3	a.	a.	NOUN
ejif-11201	392	4	a.	a.	PROPN
ejif-11201	392	5	,	,	PUNCT
ejif-11201	392	6	&	&	CCONJ
ejif-11201	392	7	asutay	asutay	PROPN
ejif-11201	392	8	,	,	PUNCT
ejif-11201	392	9	m.	m.	NOUN
ejif-11201	392	10	(	(	PUNCT
ejif-11201	392	11	2022	2022	NUM
ejif-11201	392	12	)	)	PUNCT
ejif-11201	392	13	.	.	PUNCT
ejif-11201	393	1	financial	financial	ADJ
ejif-11201	393	2	inclusion	inclusion	NOUN
ejif-11201	393	3	and	and	CCONJ
ejif-11201	393	4	economic	economic	ADJ
ejif-11201	393	5	well	well	ADV
ejif-11201	393	6	-	-	PUNCT
ejif-11201	393	7	being	being	NOUN
ejif-11201	393	8	:	:	PUNCT
ejif-11201	393	9	evidence	evidence	NOUN
ejif-11201	393	10	from	from	ADP
ejif-11201	393	11	islamic	islamic	ADJ
ejif-11201	393	12	pawnbroking	pawnbroking	NOUN
ejif-11201	393	13	(	(	PUNCT
ejif-11201	393	14	arrahn	arrahn	NOUN
ejif-11201	393	15	)	)	PUNCT
ejif-11201	393	16	in	in	ADP
ejif-11201	393	17	malaysia	malaysia	PROPN
ejif-11201	393	18	.	.	PUNCT
ejif-11201	394	1	research	research	NOUN
ejif-11201	394	2	in	in	ADP
ejif-11201	394	3	international	international	ADJ
ejif-11201	394	4	business	business	NOUN
ejif-11201	394	5	and	and	CCONJ
ejif-11201	394	6	finance	finance	NOUN
ejif-11201	394	7	,	,	PUNCT
ejif-11201	394	8	59	59	NUM
ejif-11201	394	9	,	,	PUNCT
ejif-11201	394	10	101557	101557	NUM
ejif-11201	394	11	.	.	PUNCT
ejif-11201	395	1	saifurrahman	saifurrahman	PROPN
ejif-11201	395	2	,	,	PUNCT
ejif-11201	395	3	a.	a.	PROPN
ejif-11201	395	4	,	,	PUNCT
ejif-11201	395	5	&	&	CCONJ
ejif-11201	395	6	kassim	kassim	PROPN
ejif-11201	395	7	,	,	PUNCT
ejif-11201	395	8	s.	s.	PROPN
ejif-11201	395	9	h.	h.	PROPN
ejif-11201	395	10	(	(	PUNCT
ejif-11201	395	11	2023	2023	NUM
ejif-11201	395	12	)	)	PUNCT
ejif-11201	395	13	.	.	PUNCT
ejif-11201	396	1	regulatory	regulatory	ADJ
ejif-11201	396	2	issues	issue	NOUN
ejif-11201	396	3	inhibiting	inhibit	VERB
ejif-11201	396	4	the	the	DET
ejif-11201	396	5	financial	financial	ADJ
ejif-11201	396	6	inclusion	inclusion	NOUN
ejif-11201	396	7	:	:	PUNCT
ejif-11201	396	8	a	a	DET
ejif-11201	396	9	case	case	NOUN
ejif-11201	396	10	study	study	NOUN
ejif-11201	396	11	among	among	ADP
ejif-11201	396	12	islamic	islamic	ADJ
ejif-11201	396	13	banks	bank	NOUN
ejif-11201	396	14	and	and	CCONJ
ejif-11201	396	15	msmes	msme	NOUN
ejif-11201	396	16	in	in	ADP
ejif-11201	396	17	indonesia	indonesia	PROPN
ejif-11201	396	18	.	.	PUNCT
ejif-11201	397	1	qualitative	qualitative	ADJ
ejif-11201	397	2	research	research	NOUN
ejif-11201	397	3	in	in	ADP
ejif-11201	397	4	financial	financial	ADJ
ejif-11201	397	5	markets	market	NOUN
ejif-11201	397	6	.	.	PUNCT
ejif-11201	398	1	senghore	senghore	ADV
ejif-11201	398	2	,	,	PUNCT
ejif-11201	398	3	a.	a.	PROPN
ejif-11201	398	4	f.	f.	PROPN
ejif-11201	398	5	(	(	PUNCT
ejif-11201	398	6	2023	2023	NUM
ejif-11201	398	7	)	)	PUNCT
ejif-11201	398	8	.	.	PUNCT
ejif-11201	399	1	assessing	assess	VERB
ejif-11201	399	2	the	the	DET
ejif-11201	399	3	role	role	NOUN
ejif-11201	399	4	of	of	ADP
ejif-11201	399	5	islamic	islamic	ADJ
ejif-11201	399	6	microfinance	microfinance	NOUN
ejif-11201	399	7	:	:	PUNCT
ejif-11201	399	8	a	a	DET
ejif-11201	399	9	women	woman	NOUN
ejif-11201	399	10	empowerment	empowerment	NOUN
ejif-11201	399	11	case	case	NOUN
ejif-11201	399	12	study	study	NOUN
ejif-11201	399	13	:	:	PUNCT
ejif-11201	399	14	assessing	assess	VERB
ejif-11201	399	15	the	the	DET
ejif-11201	399	16	role	role	NOUN
ejif-11201	399	17	of	of	ADP
ejif-11201	399	18	islamic	islamic	ADJ
ejif-11201	399	19	microfinance	microfinance	NOUN
ejif-11201	399	20	.	.	PUNCT
ejif-11201	400	1	european	european	PROPN
ejif-11201	400	2	journal	journal	PROPN
ejif-11201	400	3	of	of	ADP
ejif-11201	400	4	islamic	islamic	PROPN
ejif-11201	400	5	finance	finance	PROPN
ejif-11201	400	6	,	,	PUNCT
ejif-11201	400	7	10(3	10(3	NUM
ejif-11201	400	8	)	)	PUNCT
ejif-11201	400	9	,	,	PUNCT
ejif-11201	400	10	45	45	NUM
ejif-11201	400	11	-	-	SYM
ejif-11201	400	12	70	70	NUM
ejif-11201	400	13	.	.	PUNCT
ejif-11201	401	1	saiti	saiti	PROPN
ejif-11201	401	2	,	,	PUNCT
ejif-11201	401	3	b.	b.	PROPN
ejif-11201	401	4	,	,	PUNCT
ejif-11201	401	5	ardo	ardo	PROPN
ejif-11201	401	6	,	,	PUNCT
ejif-11201	401	7	a.	a.	NOUN
ejif-11201	401	8	a.	a.	PROPN
ejif-11201	401	9	,	,	PUNCT
ejif-11201	401	10	&	&	CCONJ
ejif-11201	401	11	yumusak	yumusak	PROPN
ejif-11201	401	12	,	,	PUNCT
ejif-11201	401	13	i.	i.	PROPN
ejif-11201	401	14	g.	g.	PROPN
ejif-11201	401	15	(	(	PUNCT
ejif-11201	401	16	2022	2022	NUM
ejif-11201	401	17	)	)	PUNCT
ejif-11201	401	18	.	.	PUNCT
ejif-11201	402	1	why	why	SCONJ
ejif-11201	402	2	non	non	ADJ
ejif-11201	402	3	-	-	ADJ
ejif-11201	402	4	muslims	muslim	NOUN
ejif-11201	402	5	subscribe	subscribe	VERB
ejif-11201	402	6	to	to	ADP
ejif-11201	402	7	islamic	islamic	ADJ
ejif-11201	402	8	banking	banking	NOUN
ejif-11201	402	9	?	?	PUNCT
ejif-11201	403	1	qualitative	qualitative	ADJ
ejif-11201	403	2	research	research	NOUN
ejif-11201	403	3	in	in	ADP
ejif-11201	403	4	financial	financial	ADJ
ejif-11201	403	5	markets	market	NOUN
ejif-11201	403	6	,	,	PUNCT
ejif-11201	403	7	14(2	14(2	NUM
ejif-11201	403	8	)	)	PUNCT
ejif-11201	403	9	,	,	PUNCT
ejif-11201	403	10	247	247	NUM
ejif-11201	403	11	-	-	SYM
ejif-11201	403	12	269	269	NUM
ejif-11201	403	13	.	.	PUNCT
ejif-11201	404	1	european	european	PROPN
ejif-11201	404	2	journal	journal	PROPN
ejif-11201	404	3	of	of	ADP
ejif-11201	404	4	islamic	islamic	PROPN
ejif-11201	404	5	finance	finance	PROPN
ejif-11201	404	6	issn	issn	PROPN
ejif-11201	404	7	:	:	PUNCT
ejif-11201	404	8	2421	2421	NUM
ejif-11201	404	9	-	-	SYM
ejif-11201	404	10	2172	2172	NUM
ejif-11201	404	11	doi	doi	NOUN
ejif-11201	404	12	:	:	PUNCT
ejif-11201	404	13	10.13135/2421	10.13135/2421	NUM
ejif-11201	404	14	-	-	SYM
ejif-11201	404	15	2172/11201	2172/11201	NUM
ejif-11201	404	16	published	publish	VERB
ejif-11201	404	17	by	by	ADP
ejif-11201	404	18	university	university	PROPN
ejif-11201	404	19	of	of	ADP
ejif-11201	404	20	turin	turin	PROPN
ejif-11201	405	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-11201	405	2	ejif	ejif	PROPN
ejif-11201	405	3	content	content	NOUN
ejif-11201	405	4	is	be	AUX
ejif-11201	405	5	licensed	license	VERB
ejif-11201	405	6	under	under	ADP
ejif-11201	405	7	a	a	DET
ejif-11201	405	8	creative	creative	ADJ
ejif-11201	405	9	commons	common	NOUN
ejif-11201	405	10	attribution	attribution	NOUN
ejif-11201	405	11	4.0	4.0	NUM
ejif-11201	405	12	international	international	ADJ
ejif-11201	405	13	license	license	NOUN
ejif-11201	405	14	87	87	NUM
ejif-11201	405	15	shaikh	shaikh	NOUN
ejif-11201	405	16	,	,	PUNCT
ejif-11201	405	17	s.	s.	PROPN
ejif-11201	405	18	a.	a.	PROPN
ejif-11201	405	19	(	(	PUNCT
ejif-11201	405	20	2017	2017	NUM
ejif-11201	405	21	)	)	PUNCT
ejif-11201	405	22	.	.	PUNCT
ejif-11201	406	1	poverty	poverty	NOUN
ejif-11201	406	2	alleviation	alleviation	NOUN
ejif-11201	406	3	through	through	ADP
ejif-11201	406	4	financing	financing	NOUN
ejif-11201	406	5	microenterprises	microenterprise	NOUN
ejif-11201	406	6	with	with	ADP
ejif-11201	406	7	equity	equity	NOUN
ejif-11201	406	8	finance	finance	NOUN
ejif-11201	406	9	.	.	PUNCT
ejif-11201	407	1	journal	journal	PROPN
ejif-11201	407	2	of	of	ADP
ejif-11201	407	3	islamic	islamic	PROPN
ejif-11201	407	4	accounting	accounting	PROPN
ejif-11201	407	5	and	and	CCONJ
ejif-11201	407	6	business	business	NOUN
ejif-11201	407	7	research	research	NOUN
ejif-11201	407	8	,	,	PUNCT
ejif-11201	407	9	8(1	8(1	NOUN
ejif-11201	407	10	)	)	PUNCT
ejif-11201	407	11	,	,	PUNCT
ejif-11201	407	12	87	87	NUM
ejif-11201	407	13	-	-	SYM
ejif-11201	407	14	99	99	NUM
ejif-11201	407	15	.	.	PUNCT
ejif-11201	408	1	siddiqui	siddiqui	NOUN
ejif-11201	408	2	,	,	PUNCT
ejif-11201	408	3	t.	t.	PROPN
ejif-11201	408	4	,	,	PUNCT
ejif-11201	408	5	naushad	naushad	VERB
ejif-11201	408	6	,	,	PUNCT
ejif-11201	408	7	m.	m.	NOUN
ejif-11201	408	8	,	,	PUNCT
ejif-11201	408	9	&	&	CCONJ
ejif-11201	408	10	farooque	farooque	NOUN
ejif-11201	408	11	,	,	PUNCT
ejif-11201	408	12	m.	m.	NOUN
ejif-11201	408	13	(	(	PUNCT
ejif-11201	408	14	2021	2021	NUM
ejif-11201	408	15	)	)	PUNCT
ejif-11201	408	16	.	.	PUNCT
ejif-11201	409	1	a	a	DET
ejif-11201	409	2	study	study	NOUN
ejif-11201	409	3	on	on	ADP
ejif-11201	409	4	islamic	islamic	ADJ
ejif-11201	409	5	finance	finance	NOUN
ejif-11201	409	6	as	as	ADP
ejif-11201	409	7	an	an	DET
ejif-11201	409	8	approach	approach	NOUN
ejif-11201	409	9	for	for	ADP
ejif-11201	409	10	financial	financial	ADJ
ejif-11201	409	11	inclusion	inclusion	NOUN
ejif-11201	409	12	in	in	ADP
ejif-11201	409	13	india	india	PROPN
ejif-11201	409	14	.	.	PUNCT
ejif-11201	410	1	accounting	accounting	PROPN
ejif-11201	410	2	,	,	PUNCT
ejif-11201	410	3	7(2	7(2	NUM
ejif-11201	410	4	)	)	PUNCT
ejif-11201	410	5	,	,	PUNCT
ejif-11201	410	6	487	487	NUM
ejif-11201	410	7	-	-	SYM
ejif-11201	410	8	496	496	NUM
ejif-11201	410	9	.	.	PUNCT
ejif-11201	411	1	sna	sna	PROPN
ejif-11201	411	2	/	/	SYM
ejif-11201	411	3	m1.18/6.a	m1.18/6.a	PROPN
ejif-11201	411	4	12	12	NUM
ejif-11201	411	5	.	.	PUNCT
ejif-11201	412	1	(	(	PUNCT
ejif-11201	412	2	2018	2018	NUM
ejif-11201	412	3	)	)	PUNCT
ejif-11201	412	4	.	.	PUNCT
ejif-11201	413	1	november	november	PROPN
ejif-11201	413	2	,	,	PUNCT
ejif-11201	413	3	27–29	27–29	NUM
ejif-11201	413	4	.	.	PUNCT
ejif-11201	413	5	tabash	tabash	PROPN
ejif-11201	413	6	,	,	PUNCT
ejif-11201	413	7	m.	m.	NOUN
ejif-11201	413	8	i.	i.	PROPN
ejif-11201	413	9	(	(	PUNCT
ejif-11201	413	10	2017	2017	NUM
ejif-11201	413	11	)	)	PUNCT
ejif-11201	413	12	.	.	PUNCT
ejif-11201	414	1	critical	critical	ADJ
ejif-11201	414	2	challenges	challenge	NOUN
ejif-11201	414	3	affecting	affect	VERB
ejif-11201	414	4	islamic	islamic	ADJ
ejif-11201	414	5	banking	banking	NOUN
ejif-11201	414	6	growth	growth	NOUN
ejif-11201	414	7	in	in	ADP
ejif-11201	414	8	india	india	PROPN
ejif-11201	414	9	using	use	VERB
ejif-11201	414	10	analytical	analytical	ADJ
ejif-11201	414	11	hierarchy	hierarchy	NOUN
ejif-11201	414	12	process	process	NOUN
ejif-11201	414	13	(	(	PUNCT
ejif-11201	414	14	ahp	ahp	NOUN
ejif-11201	414	15	)	)	PUNCT
ejif-11201	414	16	.	.	PUNCT
ejif-11201	415	1	banks	bank	NOUN
ejif-11201	415	2	and	and	CCONJ
ejif-11201	415	3	bank	bank	NOUN
ejif-11201	415	4	systems	system	NOUN
ejif-11201	415	5	,	,	PUNCT
ejif-11201	415	6	12	12	NUM
ejif-11201	415	7	(	(	PUNCT
ejif-11201	415	8	3	3	NUM
ejif-11201	415	9	)	)	PUNCT
ejif-11201	415	10	,	,	PUNCT
ejif-11201	415	11	27	27	NUM
ejif-11201	415	12	-	-	SYM
ejif-11201	415	13	34	34	NUM
ejif-11201	415	14	.	.	PUNCT
ejif-11201	415	15	tahiri	tahiri	NOUN
ejif-11201	415	16	jouti	jouti	PROPN
ejif-11201	415	17	,	,	PUNCT
ejif-11201	415	18	a.	a.	NOUN
ejif-11201	415	19	(	(	PUNCT
ejif-11201	415	20	2018	2018	NUM
ejif-11201	415	21	)	)	PUNCT
ejif-11201	415	22	.	.	PUNCT
ejif-11201	416	1	islamic	islamic	PROPN
ejif-11201	416	2	finance	finance	PROPN
ejif-11201	416	3	:	:	PUNCT
ejif-11201	416	4	financial	financial	ADJ
ejif-11201	416	5	inclusion	inclusion	NOUN
ejif-11201	416	6	or	or	CCONJ
ejif-11201	416	7	migration	migration	NOUN
ejif-11201	416	8	?	?	PUNCT
ejif-11201	417	1	isra	isra	PROPN
ejif-11201	417	2	international	international	PROPN
ejif-11201	417	3	journal	journal	PROPN
ejif-11201	417	4	of	of	ADP
ejif-11201	417	5	islamic	islamic	PROPN
ejif-11201	417	6	finance	finance	NOUN
ejif-11201	417	7	,	,	PUNCT
ejif-11201	417	8	10(2	10(2	NUM
ejif-11201	417	9	)	)	PUNCT
ejif-11201	417	10	,	,	PUNCT
ejif-11201	417	11	277–288	277–288	NUM
ejif-11201	417	12	.	.	PUNCT
ejif-11201	418	1	https://doi.org/10.1108/ijif-07-2018-0074	https://doi.org/10.1108/ijif-07-2018-0074	PROPN
ejif-11201	418	2	tajudin	tajudin	NOUN
ejif-11201	418	3	,	,	PUNCT
ejif-11201	418	4	m.	m.	NOUN
ejif-11201	418	5	,	,	PUNCT
ejif-11201	418	6	omar	omar	PROPN
ejif-11201	418	7	,	,	PUNCT
ejif-11201	418	8	r.	r.	PROPN
ejif-11201	418	9	,	,	PUNCT
ejif-11201	418	10	smedlund	smedlund	PROPN
ejif-11201	418	11	,	,	PUNCT
ejif-11201	418	12	a.	a.	NOUN
ejif-11201	418	13	,	,	PUNCT
ejif-11201	418	14	&	&	CCONJ
ejif-11201	418	15	aziz	aziz	PROPN
ejif-11201	418	16	,	,	PUNCT
ejif-11201	418	17	r.	r.	PROPN
ejif-11201	418	18	p.	p.	PROPN
ejif-11201	418	19	(	(	PUNCT
ejif-11201	418	20	2020	2020	NUM
ejif-11201	418	21	)	)	PUNCT
ejif-11201	418	22	.	.	PUNCT
ejif-11201	419	1	financing	finance	VERB
ejif-11201	419	2	with	with	ADP
ejif-11201	419	3	heart	heart	NOUN
ejif-11201	419	4	and	and	CCONJ
ejif-11201	419	5	intelligence	intelligence	NOUN
ejif-11201	419	6	:	:	PUNCT
ejif-11201	419	7	augmenting	augment	VERB
ejif-11201	419	8	intimacy	intimacy	NOUN
ejif-11201	419	9	and	and	CCONJ
ejif-11201	419	10	sustainability	sustainability	NOUN
ejif-11201	419	11	through	through	ADP
ejif-11201	419	12	islamic	islamic	ADJ
ejif-11201	419	13	fintech	fintech	NOUN
ejif-11201	419	14	.	.	PUNCT
ejif-11201	420	1	international	international	ADJ
ejif-11201	420	2	journal	journal	NOUN
ejif-11201	420	3	of	of	ADP
ejif-11201	420	4	advanced	advanced	ADJ
ejif-11201	420	5	science	science	NOUN
ejif-11201	420	6	and	and	CCONJ
ejif-11201	420	7	technology	technology	NOUN
ejif-11201	420	8	,	,	PUNCT
ejif-11201	420	9	29(9	29(9	NUM
ejif-11201	420	10	special	special	ADJ
ejif-11201	420	11	issue	issue	NOUN
ejif-11201	420	12	)	)	PUNCT
ejif-11201	420	13	,	,	PUNCT
ejif-11201	420	14	16381664	16381664	NUM
ejif-11201	420	15	.	.	PUNCT
ejif-11201	421	1	tlemsani	tlemsani	PROPN
ejif-11201	421	2	,	,	PUNCT
ejif-11201	421	3	i.	i.	PROPN
ejif-11201	421	4	,	,	PUNCT
ejif-11201	421	5	zaman	zaman	PROPN
ejif-11201	421	6	,	,	PUNCT
ejif-11201	421	7	a.	a.	PROPN
ejif-11201	421	8	,	,	PUNCT
ejif-11201	421	9	mohamed	mohamed	PROPN
ejif-11201	421	10	hashim	hashim	PROPN
ejif-11201	421	11	,	,	PUNCT
ejif-11201	421	12	m.	m.	NOUN
ejif-11201	421	13	a.	a.	PROPN
ejif-11201	421	14	,	,	PUNCT
ejif-11201	421	15	&	&	CCONJ
ejif-11201	421	16	matthews	matthews	PROPN
ejif-11201	421	17	,	,	PUNCT
ejif-11201	421	18	r.	r.	PROPN
ejif-11201	421	19	(	(	PUNCT
ejif-11201	421	20	2023	2023	NUM
ejif-11201	421	21	)	)	PUNCT
ejif-11201	421	22	.	.	PUNCT
ejif-11201	422	1	digitalization	digitalization	NOUN
ejif-11201	422	2	and	and	CCONJ
ejif-11201	422	3	sustainable	sustainable	ADJ
ejif-11201	422	4	development	development	NOUN
ejif-11201	422	5	goals	goal	NOUN
ejif-11201	422	6	in	in	ADP
ejif-11201	422	7	emerging	emerge	VERB
ejif-11201	422	8	islamic	islamic	ADJ
ejif-11201	422	9	economies	economy	NOUN
ejif-11201	422	10	.	.	PUNCT
ejif-11201	423	1	journal	journal	PROPN
ejif-11201	423	2	of	of	ADP
ejif-11201	423	3	islamic	islamic	PROPN
ejif-11201	423	4	accounting	accounting	PROPN
ejif-11201	423	5	and	and	CCONJ
ejif-11201	423	6	business	business	NOUN
ejif-11201	423	7	research	research	NOUN
ejif-11201	423	8	.	.	PUNCT
ejif-11201	424	1	unsgsa	unsgsa	ADJ
ejif-11201	424	2	.	.	PUNCT
ejif-11201	425	1	(	(	PUNCT
ejif-11201	425	2	2018	2018	NUM
ejif-11201	425	3	)	)	PUNCT
ejif-11201	425	4	.	.	PUNCT
ejif-11201	426	1	financial	financial	ADJ
ejif-11201	426	2	inclusion	inclusion	NOUN
ejif-11201	426	3	technology	technology	NOUN
ejif-11201	426	4	,	,	PUNCT
ejif-11201	426	5	innovation	innovation	NOUN
ejif-11201	426	6	,	,	PUNCT
ejif-11201	426	7	progress	progress	NOUN
ejif-11201	426	8	.	.	PUNCT
ejif-11201	427	1	september	september	PROPN
ejif-11201	427	2	,	,	PUNCT
ejif-11201	427	3	1–36	1–36	PROPN
ejif-11201	427	4	.	.	PUNCT
ejif-11201	427	5	worasutr	worasutr	PROPN
ejif-11201	427	6	,	,	PUNCT
ejif-11201	427	7	a.	a.	NOUN
ejif-11201	427	8	,	,	PUNCT
ejif-11201	427	9	little	little	ADJ
ejif-11201	427	10	,	,	PUNCT
ejif-11201	427	11	s.	s.	PROPN
ejif-11201	427	12	e.	e.	PROPN
ejif-11201	427	13	,	,	PUNCT
ejif-11201	427	14	&	&	CCONJ
ejif-11201	427	15	haq	haq	PROPN
ejif-11201	427	16	,	,	PUNCT
ejif-11201	427	17	m.	m.	NOUN
ejif-11201	427	18	a.	a.	NOUN
ejif-11201	427	19	(	(	PUNCT
ejif-11201	427	20	2024	2024	NUM
ejif-11201	427	21	)	)	PUNCT
ejif-11201	427	22	.	.	PUNCT
ejif-11201	428	1	driving	drive	VERB
ejif-11201	428	2	sustainable	sustainable	ADJ
ejif-11201	428	3	innovation	innovation	NOUN
ejif-11201	428	4	:	:	PUNCT
ejif-11201	428	5	islamic	islamic	ADJ
ejif-11201	428	6	financial	financial	ADJ
ejif-11201	428	7	literacy	literacy	NOUN
ejif-11201	428	8	and	and	CCONJ
ejif-11201	428	9	inclusion	inclusion	NOUN
ejif-11201	428	10	in	in	ADP
ejif-11201	428	11	the	the	DET
ejif-11201	428	12	five	five	NUM
ejif-11201	428	13	southernmost	southernmost	NOUN
ejif-11201	428	14	provinces	province	NOUN
ejif-11201	428	15	of	of	ADP
ejif-11201	428	16	thailand	thailand	PROPN
ejif-11201	428	17	:	:	PUNCT
ejif-11201	428	18	driving	drive	VERB
ejif-11201	428	19	sustainable	sustainable	ADJ
ejif-11201	428	20	innovation	innovation	NOUN
ejif-11201	428	21	.	.	PUNCT
ejif-11201	429	1	european	european	PROPN
ejif-11201	429	2	journal	journal	PROPN
ejif-11201	429	3	of	of	ADP
ejif-11201	429	4	islamic	islamic	PROPN
ejif-11201	429	5	finance	finance	PROPN
ejif-11201	429	6	,	,	PUNCT
ejif-11201	429	7	11(3	11(3	NUM
ejif-11201	429	8	)	)	PUNCT
ejif-11201	429	9	,	,	PUNCT
ejif-11201	429	10	1	1	NUM
ejif-11201	429	11	-	-	SYM
ejif-11201	429	12	23	23	NUM
ejif-11201	429	13	.	.	PUNCT
ejif-11201	430	1	warsame	warsame	NOUN
ejif-11201	430	2	,	,	PUNCT
ejif-11201	430	3	m.	m.	NOUN
ejif-11201	430	4	(	(	PUNCT
ejif-11201	430	5	2015	2015	NUM
ejif-11201	430	6	)	)	PUNCT
ejif-11201	430	7	.	.	PUNCT
ejif-11201	431	1	the	the	DET
ejif-11201	431	2	role	role	NOUN
ejif-11201	431	3	of	of	ADP
ejif-11201	431	4	islamic	islamic	ADJ
ejif-11201	431	5	finance	finance	NOUN
ejif-11201	431	6	in	in	ADP
ejif-11201	431	7	enhancing	enhance	VERB
ejif-11201	431	8	the	the	DET
ejif-11201	431	9	economic	economic	ADJ
ejif-11201	431	10	prospects	prospect	NOUN
ejif-11201	431	11	of	of	ADP
ejif-11201	431	12	kenyan	kenyan	ADJ
ejif-11201	431	13	muslims	muslim	NOUN
ejif-11201	431	14	:	:	PUNCT
ejif-11201	431	15	an	an	DET
ejif-11201	431	16	empirical	empirical	ADJ
ejif-11201	431	17	study	study	NOUN
ejif-11201	431	18	on	on	ADP
ejif-11201	431	19	kenyan	kenyan	ADJ
ejif-11201	431	20	islamic	islamic	ADJ
ejif-11201	431	21	banking	banking	NOUN
ejif-11201	431	22	sector	sector	NOUN
ejif-11201	431	23	.	.	PUNCT
ejif-11201	432	1	international	international	ADJ
ejif-11201	432	2	journal	journal	PROPN
ejif-11201	432	3	of	of	ADP
ejif-11201	432	4	applied	apply	VERB
ejif-11201	432	5	business	business	NOUN
ejif-11201	432	6	and	and	CCONJ
ejif-11201	432	7	economic	economic	ADJ
ejif-11201	432	8	research	research	NOUN
ejif-11201	432	9	,	,	PUNCT
ejif-11201	432	10	13(9	13(9	NUM
ejif-11201	432	11	)	)	PUNCT
ejif-11201	432	12	,	,	PUNCT
ejif-11201	432	13	6885	6885	NUM
ejif-11201	432	14	-	-	SYM
ejif-11201	432	15	6911	6911	NUM
ejif-11201	432	16	.	.	PUNCT
ejif-11201	433	1	zulkhibri	zulkhibri	NOUN
ejif-11201	433	2	,	,	PUNCT
ejif-11201	433	3	m.	m.	NOUN
ejif-11201	433	4	(	(	PUNCT
ejif-11201	433	5	2016	2016	NUM
ejif-11201	433	6	)	)	PUNCT
ejif-11201	433	7	.	.	PUNCT
ejif-11201	434	1	financial	financial	ADJ
ejif-11201	434	2	inclusion	inclusion	NOUN
ejif-11201	434	3	,	,	PUNCT
ejif-11201	434	4	financial	financial	ADJ
ejif-11201	434	5	inclusion	inclusion	NOUN
ejif-11201	434	6	policy	policy	NOUN
ejif-11201	434	7	and	and	CCONJ
ejif-11201	434	8	islamic	islamic	ADJ
ejif-11201	434	9	finance	finance	NOUN
ejif-11201	434	10	.	.	PUNCT
ejif-11201	435	1	macroeconomics	macroeconomic	NOUN
ejif-11201	435	2	and	and	CCONJ
ejif-11201	435	3	finance	finance	NOUN
ejif-11201	435	4	in	in	ADP
ejif-11201	435	5	emerging	emerge	VERB
ejif-11201	435	6	market	market	NOUN
ejif-11201	435	7	economies	economy	NOUN
ejif-11201	435	8	,	,	PUNCT
ejif-11201	435	9	9(3	9(3	NUM
ejif-11201	435	10	)	)	PUNCT
ejif-11201	435	11	,	,	PUNCT
ejif-11201	435	12	303	303	NUM
ejif-11201	435	13	-	-	SYM
ejif-11201	435	14	320	320	NUM
ejif-11201	435	15	.	.	PUNCT