id	sid	tid	token	lemma	pos
ejif-12489	1	1	02_ejif	02_ejif	NUM
ejif-12489	1	2	european	european	PROPN
ejif-12489	1	3	journal	journal	PROPN
ejif-12489	1	4	of	of	ADP
ejif-12489	1	5	islamic	islamic	PROPN
ejif-12489	1	6	finance	finance	PROPN
ejif-12489	1	7	issn	issn	PROPN
ejif-12489	1	8	:	:	PUNCT
ejif-12489	1	9	2421	2421	NUM
ejif-12489	1	10	-	-	SYM
ejif-12489	1	11	2172	2172	NUM
ejif-12489	1	12	doi	doi	NOUN
ejif-12489	1	13	:	:	PUNCT
ejif-12489	1	14	10.13135/2421	10.13135/2421	NUM
ejif-12489	1	15	-	-	SYM
ejif-12489	1	16	2172/12489	2172/12489	NUM
ejif-12489	1	17	published	publish	VERB
ejif-12489	1	18	by	by	ADP
ejif-12489	1	19	university	university	PROPN
ejif-12489	1	20	of	of	ADP
ejif-12489	1	21	turin	turin	PROPN
ejif-12489	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	2	2	ejif	ejif	PROPN
ejif-12489	2	3	content	content	NOUN
ejif-12489	2	4	is	be	AUX
ejif-12489	2	5	licensed	license	VERB
ejif-12489	2	6	under	under	ADP
ejif-12489	2	7	a	a	DET
ejif-12489	2	8	creative	creative	ADJ
ejif-12489	2	9	commons	common	NOUN
ejif-12489	2	10	attribution	attribution	NOUN
ejif-12489	2	11	4.0	4.0	NUM
ejif-12489	2	12	international	international	ADJ
ejif-12489	2	13	license	license	NOUN
ejif-12489	2	14	17	17	NUM
ejif-12489	2	15	exploring	explore	VERB
ejif-12489	2	16	risk	risk	NOUN
ejif-12489	2	17	management	management	NOUN
ejif-12489	2	18	practices	practice	NOUN
ejif-12489	2	19	and	and	CCONJ
ejif-12489	2	20	fiqh	fiqh	NOUN
ejif-12489	2	21	muamalat	muamalat	NOUN
ejif-12489	2	22	to	to	PART
ejif-12489	2	23	improve	improve	VERB
ejif-12489	2	24	the	the	DET
ejif-12489	2	25	performance	performance	NOUN
ejif-12489	2	26	of	of	ADP
ejif-12489	2	27	islamic	islamic	ADJ
ejif-12489	2	28	microfinance	microfinance	NOUN
ejif-12489	2	29	institutions	institution	NOUN
ejif-12489	2	30	helmi	helmi	PROPN
ejif-12489	2	31	muhammad1	muhammad1	PROPN
ejif-12489	2	32	*	*	PROPN
ejif-12489	2	33	,	,	PUNCT
ejif-12489	2	34	abdillah	abdillah	PROPN
ejif-12489	2	35	ubaidi2	ubaidi2	NOUN
ejif-12489	2	36	,	,	PUNCT
ejif-12489	2	37	sholeh	sholeh	NOUN
ejif-12489	2	38	wafie3	wafie3	PROPN
ejif-12489	2	39	,	,	PUNCT
ejif-12489	2	40	niki	niki	PROPN
ejif-12489	2	41	puspita	puspita	PROPN
ejif-12489	2	42	sari4	sari4	PROPN
ejif-12489	2	43	,	,	PUNCT
ejif-12489	2	44	yulianti	yulianti	PROPN
ejif-12489	2	45	m.	m.	NOUN
ejif-12489	2	46	manan5	manan5	PROPN
ejif-12489	2	47	1	1	NUM
ejif-12489	2	48	universitas	universita	NOUN
ejif-12489	2	49	islam	islam	PROPN
ejif-12489	2	50	raden	raden	PROPN
ejif-12489	2	51	rahmat	rahmat	PROPN
ejif-12489	2	52	,	,	PUNCT
ejif-12489	2	53	faculty	faculty	NOUN
ejif-12489	2	54	of	of	ADP
ejif-12489	2	55	economics	economic	NOUN
ejif-12489	2	56	and	and	CCONJ
ejif-12489	2	57	business	business	NOUN
ejif-12489	2	58	,	,	PUNCT
ejif-12489	2	59	jl	jl	PROPN
ejif-12489	2	60	.	.	PUNCT
ejif-12489	3	1	raya	raya	PROPN
ejif-12489	3	2	mojosari	mojosari	PROPN
ejif-12489	4	1	no	no	INTJ
ejif-12489	4	2	.	.	NOUN
ejif-12489	4	3	2	2	NUM
ejif-12489	4	4	kepanjen	kepanjen	NOUN
ejif-12489	4	5	,	,	PUNCT
ejif-12489	4	6	malang	malang	PROPN
ejif-12489	4	7	,	,	PUNCT
ejif-12489	4	8	indonesia	indonesia	PROPN
ejif-12489	4	9	.	.	PUNCT
ejif-12489	5	1	corresponding	correspond	VERB
ejif-12489	5	2	author	author	NOUN
ejif-12489	5	3	:	:	PUNCT
ejif-12489	5	4	helmimuhammad@uniramalang.ac.id	helmimuhammad@uniramalang.ac.id	ADJ
ejif-12489	5	5	orcid	orcid	NOUN
ejif-12489	5	6	0000	0000	NUM
ejif-12489	5	7	-	-	PUNCT
ejif-12489	5	8	0002	0002	NUM
ejif-12489	5	9	-	-	PUNCT
ejif-12489	5	10	1884	1884	NUM
ejif-12489	5	11	-	-	SYM
ejif-12489	5	12	8857	8857	NUM
ejif-12489	5	13	2	2	NUM
ejif-12489	5	14	universitas	universita	NOUN
ejif-12489	5	15	islam	islam	PROPN
ejif-12489	5	16	raden	raden	PROPN
ejif-12489	5	17	rahmat	rahmat	PROPN
ejif-12489	5	18	,	,	PUNCT
ejif-12489	5	19	faculty	faculty	NOUN
ejif-12489	5	20	of	of	ADP
ejif-12489	5	21	economics	economic	NOUN
ejif-12489	5	22	and	and	CCONJ
ejif-12489	5	23	business	business	NOUN
ejif-12489	5	24	,	,	PUNCT
ejif-12489	5	25	jl	jl	PROPN
ejif-12489	5	26	.	.	PUNCT
ejif-12489	6	1	raya	raya	PROPN
ejif-12489	6	2	mojosari	mojosari	PROPN
ejif-12489	7	1	no	no	INTJ
ejif-12489	7	2	.	.	NOUN
ejif-12489	7	3	2	2	NUM
ejif-12489	7	4	kepanjen	kepanjen	NOUN
ejif-12489	7	5	,	,	PUNCT
ejif-12489	7	6	malang	malang	PROPN
ejif-12489	7	7	,	,	PUNCT
ejif-12489	7	8	indonesia	indonesia	PROPN
ejif-12489	7	9	.	.	PUNCT
ejif-12489	8	1	orcid	orcid	NOUN
ejif-12489	8	2	0000	0000	NUM
ejif-12489	8	3	-	-	PUNCT
ejif-12489	8	4	0002	0002	NUM
ejif-12489	8	5	-	-	PUNCT
ejif-12489	8	6	1399	1399	NUM
ejif-12489	8	7	-	-	SYM
ejif-12489	8	8	4898	4898	NUM
ejif-12489	8	9	3	3	NUM
ejif-12489	8	10	universitas	universitas	PROPN
ejif-12489	8	11	nahdlatul	nahdlatul	PROPN
ejif-12489	8	12	ulama	ulama	PROPN
ejif-12489	8	13	pasuruan	pasuruan	PROPN
ejif-12489	8	14	,	,	PUNCT
ejif-12489	8	15	jl	jl	PROPN
ejif-12489	8	16	.	.	PUNCT
ejif-12489	9	1	raya	raya	PROPN
ejif-12489	9	2	warung	warung	PROPN
ejif-12489	9	3	dowo	dowo	NOUN
ejif-12489	9	4	,	,	PUNCT
ejif-12489	9	5	pasuruan	pasuruan	NOUN
ejif-12489	9	6	67171	67171	NUM
ejif-12489	9	7	,	,	PUNCT
ejif-12489	9	8	indonesia	indonesia	PROPN
ejif-12489	9	9	4	4	NUM
ejif-12489	9	10	universitas	universita	VERB
ejif-12489	9	11	islam	islam	PROPN
ejif-12489	9	12	raden	raden	PROPN
ejif-12489	9	13	rahmat	rahmat	PROPN
ejif-12489	9	14	,	,	PUNCT
ejif-12489	9	15	faculty	faculty	NOUN
ejif-12489	9	16	of	of	ADP
ejif-12489	9	17	economics	economic	NOUN
ejif-12489	9	18	and	and	CCONJ
ejif-12489	9	19	business	business	NOUN
ejif-12489	9	20	,	,	PUNCT
ejif-12489	9	21	jl	jl	PROPN
ejif-12489	9	22	.	.	PUNCT
ejif-12489	10	1	raya	raya	PROPN
ejif-12489	10	2	mojosari	mojosari	PROPN
ejif-12489	11	1	no	no	INTJ
ejif-12489	11	2	.	.	NOUN
ejif-12489	11	3	2	2	NUM
ejif-12489	11	4	kepanjen	kepanjen	NOUN
ejif-12489	11	5	,	,	PUNCT
ejif-12489	11	6	malang	malang	PROPN
ejif-12489	11	7	,	,	PUNCT
ejif-12489	11	8	indonesia	indonesia	PROPN
ejif-12489	11	9	.	.	PUNCT
ejif-12489	12	1	orcid	orcid	NOUN
ejif-12489	12	2	0000	0000	NUM
ejif-12489	12	3	-	-	PUNCT
ejif-12489	12	4	0001	0001	NUM
ejif-12489	12	5	-	-	PUNCT
ejif-12489	12	6	6825	6825	NUM
ejif-12489	12	7	-	-	SYM
ejif-12489	12	8	4312	4312	NUM
ejif-12489	12	9	5	5	NUM
ejif-12489	12	10	universitas	universita	NOUN
ejif-12489	12	11	islam	islam	PROPN
ejif-12489	12	12	raden	raden	PROPN
ejif-12489	12	13	rahmat	rahmat	PROPN
ejif-12489	12	14	,	,	PUNCT
ejif-12489	12	15	faculty	faculty	NOUN
ejif-12489	12	16	of	of	ADP
ejif-12489	12	17	economics	economic	NOUN
ejif-12489	12	18	and	and	CCONJ
ejif-12489	12	19	business	business	NOUN
ejif-12489	12	20	,	,	PUNCT
ejif-12489	12	21	jl	jl	PROPN
ejif-12489	12	22	.	.	PUNCT
ejif-12489	13	1	raya	raya	PROPN
ejif-12489	13	2	mojosari	mojosari	PROPN
ejif-12489	14	1	no	no	INTJ
ejif-12489	14	2	.	.	NOUN
ejif-12489	14	3	2	2	NUM
ejif-12489	14	4	kepanjen	kepanjen	NOUN
ejif-12489	14	5	,	,	PUNCT
ejif-12489	14	6	malang	malang	PROPN
ejif-12489	14	7	,	,	PUNCT
ejif-12489	14	8	indonesia	indonesia	PROPN
ejif-12489	14	9	.	.	PROPN
ejif-12489	14	10	received	receive	VERB
ejif-12489	14	11	:	:	PUNCT
ejif-12489	14	12	16/08/2024	16/08/2024	NUM
ejif-12489	14	13	accepted	accept	VERB
ejif-12489	14	14	for	for	ADP
ejif-12489	14	15	publication	publication	NOUN
ejif-12489	14	16	:	:	PUNCT
ejif-12489	14	17	28/09/2025	28/09/2025	NUM
ejif-12489	14	18	published	publish	VERB
ejif-12489	14	19	:	:	PUNCT
ejif-12489	14	20	15/12/2025	15/12/2025	NUM
ejif-12489	14	21	abstract	abstract	NOUN
ejif-12489	14	22	the	the	DET
ejif-12489	14	23	purpose	purpose	NOUN
ejif-12489	14	24	of	of	ADP
ejif-12489	14	25	this	this	DET
ejif-12489	14	26	study	study	NOUN
ejif-12489	14	27	is	be	AUX
ejif-12489	14	28	to	to	PART
ejif-12489	14	29	explore	explore	VERB
ejif-12489	14	30	risk	risk	NOUN
ejif-12489	14	31	management	management	NOUN
ejif-12489	14	32	practices	practice	NOUN
ejif-12489	14	33	and	and	CCONJ
ejif-12489	14	34	fiqh	fiqh	NOUN
ejif-12489	14	35	muamalat	muamalat	NOUN
ejif-12489	14	36	to	to	PART
ejif-12489	14	37	improve	improve	VERB
ejif-12489	14	38	the	the	DET
ejif-12489	14	39	performance	performance	NOUN
ejif-12489	14	40	of	of	ADP
ejif-12489	14	41	islamic	islamic	ADJ
ejif-12489	14	42	microfinance	microfinance	NOUN
ejif-12489	14	43	institutions	institution	NOUN
ejif-12489	14	44	.	.	PUNCT
ejif-12489	15	1	this	this	DET
ejif-12489	15	2	study	study	NOUN
ejif-12489	15	3	focuses	focus	VERB
ejif-12489	15	4	on	on	ADP
ejif-12489	15	5	bmt	bmt	PROPN
ejif-12489	15	6	ugt	ugt	PROPN
ejif-12489	15	7	nusantara	nusantara	PROPN
ejif-12489	15	8	,	,	PUNCT
ejif-12489	15	9	one	one	NUM
ejif-12489	15	10	of	of	ADP
ejif-12489	15	11	the	the	DET
ejif-12489	15	12	largest	large	ADJ
ejif-12489	15	13	islamic	islamic	ADJ
ejif-12489	15	14	microfinance	microfinance	NOUN
ejif-12489	15	15	institutions	institution	NOUN
ejif-12489	15	16	(	(	PUNCT
ejif-12489	15	17	imfis	imfis	PROPN
ejif-12489	15	18	)	)	PUNCT
ejif-12489	15	19	in	in	ADP
ejif-12489	15	20	indonesia	indonesia	PROPN
ejif-12489	15	21	.	.	PUNCT
ejif-12489	16	1	due	due	ADP
ejif-12489	16	2	to	to	ADP
ejif-12489	16	3	the	the	DET
ejif-12489	16	4	site	site	NOUN
ejif-12489	16	5	's	's	PART
ejif-12489	16	6	unique	unique	ADJ
ejif-12489	16	7	characteristics	characteristic	NOUN
ejif-12489	16	8	,	,	PUNCT
ejif-12489	16	9	the	the	DET
ejif-12489	16	10	study	study	NOUN
ejif-12489	16	11	design	design	NOUN
ejif-12489	16	12	is	be	AUX
ejif-12489	16	13	a	a	DET
ejif-12489	16	14	descriptive	descriptive	ADJ
ejif-12489	16	15	exploratory	exploratory	NOUN
ejif-12489	16	16	,	,	PUNCT
ejif-12489	16	17	single	single	ADJ
ejif-12489	16	18	-	-	PUNCT
ejif-12489	16	19	case	case	NOUN
ejif-12489	16	20	study	study	NOUN
ejif-12489	16	21	with	with	ADP
ejif-12489	16	22	a	a	DET
ejif-12489	16	23	holistic	holistic	ADJ
ejif-12489	16	24	approach	approach	NOUN
ejif-12489	16	25	.	.	PUNCT
ejif-12489	17	1	data	datum	NOUN
ejif-12489	17	2	were	be	AUX
ejif-12489	17	3	acquired	acquire	VERB
ejif-12489	17	4	using	use	VERB
ejif-12489	17	5	various	various	ADJ
ejif-12489	17	6	methodologies	methodology	NOUN
ejif-12489	17	7	,	,	PUNCT
ejif-12489	17	8	including	include	VERB
ejif-12489	17	9	in	in	ADP
ejif-12489	17	10	-	-	PUNCT
ejif-12489	17	11	depth	depth	NOUN
ejif-12489	17	12	interviews	interview	NOUN
ejif-12489	17	13	with	with	ADP
ejif-12489	17	14	informants	informant	NOUN
ejif-12489	17	15	,	,	PUNCT
ejif-12489	17	16	field	field	NOUN
ejif-12489	17	17	observations	observation	NOUN
ejif-12489	17	18	,	,	PUNCT
ejif-12489	17	19	focus	focus	NOUN
ejif-12489	17	20	group	group	NOUN
ejif-12489	17	21	discussions	discussion	NOUN
ejif-12489	17	22	,	,	PUNCT
ejif-12489	17	23	and	and	CCONJ
ejif-12489	17	24	document	document	NOUN
ejif-12489	17	25	reviews	review	NOUN
ejif-12489	17	26	.	.	PUNCT
ejif-12489	18	1	the	the	DET
ejif-12489	18	2	interactive	interactive	ADJ
ejif-12489	18	3	model	model	NOUN
ejif-12489	18	4	is	be	AUX
ejif-12489	18	5	used	use	VERB
ejif-12489	18	6	to	to	PART
ejif-12489	18	7	analyze	analyze	VERB
ejif-12489	18	8	data	datum	NOUN
ejif-12489	18	9	,	,	PUNCT
ejif-12489	18	10	which	which	PRON
ejif-12489	18	11	is	be	AUX
ejif-12489	18	12	then	then	ADV
ejif-12489	18	13	tested	test	VERB
ejif-12489	18	14	for	for	ADP
ejif-12489	18	15	validity	validity	NOUN
ejif-12489	18	16	through	through	ADP
ejif-12489	18	17	the	the	DET
ejif-12489	18	18	evaluation	evaluation	NOUN
ejif-12489	18	19	of	of	ADP
ejif-12489	18	20	credibility	credibility	NOUN
ejif-12489	18	21	,	,	PUNCT
ejif-12489	18	22	transferability	transferability	NOUN
ejif-12489	18	23	,	,	PUNCT
ejif-12489	18	24	dependability	dependability	NOUN
ejif-12489	18	25	,	,	PUNCT
ejif-12489	18	26	and	and	CCONJ
ejif-12489	18	27	confirmability	confirmability	NOUN
ejif-12489	18	28	.	.	PUNCT
ejif-12489	19	1	this	this	DET
ejif-12489	19	2	study	study	NOUN
ejif-12489	19	3	highlights	highlight	VERB
ejif-12489	19	4	several	several	ADJ
ejif-12489	19	5	substantial	substantial	ADJ
ejif-12489	19	6	findings	finding	NOUN
ejif-12489	19	7	,	,	PUNCT
ejif-12489	19	8	including	include	VERB
ejif-12489	19	9	the	the	DET
ejif-12489	19	10	successful	successful	ADJ
ejif-12489	19	11	implementation	implementation	NOUN
ejif-12489	19	12	of	of	ADP
ejif-12489	19	13	risk	risk	NOUN
ejif-12489	19	14	management	management	NOUN
ejif-12489	19	15	practices	practice	NOUN
ejif-12489	19	16	at	at	ADP
ejif-12489	19	17	imfis	imfis	NOUN
ejif-12489	19	18	.	.	PUNCT
ejif-12489	20	1	risk	risk	NOUN
ejif-12489	20	2	management	management	NOUN
ejif-12489	20	3	involves	involve	VERB
ejif-12489	20	4	understanding	understanding	NOUN
ejif-12489	20	5	,	,	PUNCT
ejif-12489	20	6	identifying	identifying	NOUN
ejif-12489	20	7	,	,	PUNCT
ejif-12489	20	8	mitigating	mitigating	NOUN
ejif-12489	20	9	,	,	PUNCT
ejif-12489	20	10	and	and	CCONJ
ejif-12489	20	11	assessing	assess	VERB
ejif-12489	20	12	risks	risk	NOUN
ejif-12489	20	13	.	.	PUNCT
ejif-12489	21	1	despite	despite	SCONJ
ejif-12489	21	2	the	the	DET
ejif-12489	21	3	lack	lack	NOUN
ejif-12489	21	4	of	of	ADP
ejif-12489	21	5	standards	standard	NOUN
ejif-12489	21	6	and	and	CCONJ
ejif-12489	21	7	the	the	DET
ejif-12489	21	8	perception	perception	NOUN
ejif-12489	21	9	that	that	SCONJ
ejif-12489	21	10	risk	risk	NOUN
ejif-12489	21	11	management	management	NOUN
ejif-12489	21	12	is	be	AUX
ejif-12489	21	13	only	only	ADV
ejif-12489	21	14	partial	partial	ADJ
ejif-12489	21	15	,	,	PUNCT
ejif-12489	21	16	risk	risk	NOUN
ejif-12489	21	17	management	management	NOUN
ejif-12489	21	18	practices	practice	NOUN
ejif-12489	21	19	have	have	AUX
ejif-12489	21	20	improved	improve	VERB
ejif-12489	21	21	financial	financial	ADJ
ejif-12489	21	22	and	and	CCONJ
ejif-12489	21	23	organizational	organizational	ADJ
ejif-12489	21	24	performance	performance	NOUN
ejif-12489	21	25	.	.	PUNCT
ejif-12489	22	1	sharia	sharia	PROPN
ejif-12489	22	2	compliance	compliance	NOUN
ejif-12489	22	3	risk	risk	NOUN
ejif-12489	22	4	is	be	AUX
ejif-12489	22	5	the	the	DET
ejif-12489	22	6	most	most	ADV
ejif-12489	22	7	widely	widely	ADV
ejif-12489	22	8	acknowledged	acknowledge	VERB
ejif-12489	22	9	,	,	PUNCT
ejif-12489	22	10	while	while	SCONJ
ejif-12489	22	11	finance	finance	NOUN
ejif-12489	22	12	and	and	CCONJ
ejif-12489	22	13	liquidity	liquidity	NOUN
ejif-12489	22	14	risk	risk	NOUN
ejif-12489	22	15	are	be	AUX
ejif-12489	22	16	the	the	DET
ejif-12489	22	17	most	most	ADV
ejif-12489	22	18	anticipated	anticipate	VERB
ejif-12489	22	19	.	.	PUNCT
ejif-12489	23	1	the	the	DET
ejif-12489	23	2	practice	practice	NOUN
ejif-12489	23	3	of	of	ADP
ejif-12489	23	4	islamic	islamic	ADJ
ejif-12489	23	5	jurisprudence	jurisprudence	NOUN
ejif-12489	23	6	(	(	PUNCT
ejif-12489	23	7	fiqh	fiqh	NOUN
ejif-12489	23	8	muamalat	muamalat	NOUN
ejif-12489	23	9	)	)	PUNCT
ejif-12489	23	10	is	be	AUX
ejif-12489	23	11	efficiently	efficiently	ADV
ejif-12489	23	12	implemented	implement	VERB
ejif-12489	23	13	by	by	ADP
ejif-12489	23	14	integrating	integrate	VERB
ejif-12489	23	15	sharia	sharia	PROPN
ejif-12489	23	16	compliance	compliance	NOUN
ejif-12489	23	17	as	as	ADP
ejif-12489	23	18	an	an	DET
ejif-12489	23	19	operational	operational	ADJ
ejif-12489	23	20	system	system	NOUN
ejif-12489	23	21	and	and	CCONJ
ejif-12489	23	22	sharia	sharia	PROPN
ejif-12489	23	23	practices	practice	NOUN
ejif-12489	23	24	as	as	ADP
ejif-12489	23	25	a	a	DET
ejif-12489	23	26	work	work	NOUN
ejif-12489	23	27	culture	culture	NOUN
ejif-12489	23	28	,	,	PUNCT
ejif-12489	23	29	which	which	PRON
ejif-12489	23	30	fosters	foster	VERB
ejif-12489	23	31	ethical	ethical	ADJ
ejif-12489	23	32	behavior	behavior	NOUN
ejif-12489	23	33	and	and	CCONJ
ejif-12489	23	34	is	be	AUX
ejif-12489	23	35	acknowledged	acknowledge	VERB
ejif-12489	23	36	as	as	ADP
ejif-12489	23	37	a	a	DET
ejif-12489	23	38	good	good	ADJ
ejif-12489	23	39	risk	risk	NOUN
ejif-12489	23	40	management	management	NOUN
ejif-12489	23	41	practice	practice	NOUN
ejif-12489	23	42	.	.	PUNCT
ejif-12489	24	1	keywords	keyword	NOUN
ejif-12489	24	2	:	:	PUNCT
ejif-12489	24	3	risk	risk	NOUN
ejif-12489	24	4	management	management	NOUN
ejif-12489	24	5	;	;	PUNCT
ejif-12489	24	6	fiqh	fiqh	NOUN
ejif-12489	24	7	mualamat	mualamat	NOUN
ejif-12489	24	8	;	;	PUNCT
ejif-12489	24	9	performance	performance	NOUN
ejif-12489	24	10	;	;	PUNCT
ejif-12489	24	11	islamic	islamic	ADJ
ejif-12489	24	12	microfinance	microfinance	NOUN
ejif-12489	24	13	institutions	institution	NOUN
ejif-12489	24	14	european	european	PROPN
ejif-12489	24	15	journal	journal	PROPN
ejif-12489	24	16	of	of	ADP
ejif-12489	24	17	islamic	islamic	PROPN
ejif-12489	24	18	finance	finance	PROPN
ejif-12489	24	19	issn	issn	PROPN
ejif-12489	24	20	:	:	PUNCT
ejif-12489	24	21	2421	2421	NUM
ejif-12489	24	22	-	-	SYM
ejif-12489	24	23	2172	2172	NUM
ejif-12489	24	24	doi	doi	NOUN
ejif-12489	24	25	:	:	PUNCT
ejif-12489	24	26	10.13135/2421	10.13135/2421	NUM
ejif-12489	24	27	-	-	SYM
ejif-12489	24	28	2172/12489	2172/12489	NUM
ejif-12489	24	29	published	publish	VERB
ejif-12489	24	30	by	by	ADP
ejif-12489	24	31	university	university	PROPN
ejif-12489	24	32	of	of	ADP
ejif-12489	24	33	turin	turin	PROPN
ejif-12489	25	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	25	2	ejif	ejif	PROPN
ejif-12489	25	3	content	content	NOUN
ejif-12489	25	4	is	be	AUX
ejif-12489	25	5	licensed	license	VERB
ejif-12489	25	6	under	under	ADP
ejif-12489	25	7	a	a	DET
ejif-12489	25	8	creative	creative	ADJ
ejif-12489	25	9	commons	common	NOUN
ejif-12489	25	10	attribution	attribution	NOUN
ejif-12489	25	11	4.0	4.0	NUM
ejif-12489	25	12	international	international	ADJ
ejif-12489	25	13	license	license	NOUN
ejif-12489	25	14	18	18	NUM
ejif-12489	25	15	1	1	NUM
ejif-12489	25	16	.	.	PUNCT
ejif-12489	26	1	introduction	introduction	NOUN
ejif-12489	26	2	baitul	baitul	NOUN
ejif-12489	26	3	mal	mal	PROPN
ejif-12489	26	4	wat	wat	AUX
ejif-12489	26	5	tamwil	tamwil	X
ejif-12489	26	6	(	(	PUNCT
ejif-12489	26	7	bmt	bmt	PROPN
ejif-12489	26	8	)	)	PUNCT
ejif-12489	26	9	is	be	AUX
ejif-12489	26	10	an	an	DET
ejif-12489	26	11	islamic	islamic	ADJ
ejif-12489	26	12	microfinance	microfinance	NOUN
ejif-12489	26	13	institution	institution	NOUN
ejif-12489	26	14	in	in	ADP
ejif-12489	26	15	indonesia	indonesia	PROPN
ejif-12489	26	16	that	that	PRON
ejif-12489	26	17	offers	offer	VERB
ejif-12489	26	18	islamic	islamic	ADJ
ejif-12489	26	19	-	-	PUNCT
ejif-12489	26	20	based	base	VERB
ejif-12489	26	21	savings	saving	NOUN
ejif-12489	26	22	and	and	CCONJ
ejif-12489	26	23	loan	loan	NOUN
ejif-12489	26	24	services	service	NOUN
ejif-12489	26	25	through	through	ADP
ejif-12489	26	26	cooperatives	cooperative	NOUN
ejif-12489	26	27	(	(	PUNCT
ejif-12489	26	28	sakai	sakai	PROPN
ejif-12489	26	29	,	,	PUNCT
ejif-12489	26	30	2010	2010	NUM
ejif-12489	26	31	;	;	PUNCT
ejif-12489	26	32	wijaya	wijaya	PROPN
ejif-12489	26	33	et	et	PROPN
ejif-12489	26	34	al	al	PROPN
ejif-12489	26	35	.	.	PROPN
ejif-12489	26	36	,	,	PUNCT
ejif-12489	26	37	2019	2019	NUM
ejif-12489	26	38	)	)	PUNCT
ejif-12489	26	39	.	.	PUNCT
ejif-12489	27	1	as	as	ADP
ejif-12489	27	2	an	an	DET
ejif-12489	27	3	islamic	islamic	ADJ
ejif-12489	27	4	cooperative	cooperative	NOUN
ejif-12489	27	5	,	,	PUNCT
ejif-12489	27	6	bmt	bmt	PROPN
ejif-12489	27	7	is	be	AUX
ejif-12489	27	8	a	a	DET
ejif-12489	27	9	blend	blend	NOUN
ejif-12489	27	10	of	of	ADP
ejif-12489	27	11	valuebased	valuebase	VERB
ejif-12489	27	12	organizations	organization	NOUN
ejif-12489	27	13	,	,	PUNCT
ejif-12489	27	14	characterized	characterize	VERB
ejif-12489	27	15	by	by	ADP
ejif-12489	27	16	membership	membership	NOUN
ejif-12489	27	17	,	,	PUNCT
ejif-12489	27	18	contractual	contractual	ADJ
ejif-12489	27	19	duties	duty	NOUN
ejif-12489	27	20	to	to	ADP
ejif-12489	27	21	its	its	PRON
ejif-12489	27	22	members	member	NOUN
ejif-12489	27	23	,	,	PUNCT
ejif-12489	27	24	and	and	CCONJ
ejif-12489	27	25	adherence	adherence	NOUN
ejif-12489	27	26	to	to	ADP
ejif-12489	27	27	islamic	islamic	ADJ
ejif-12489	27	28	ideals	ideal	NOUN
ejif-12489	27	29	in	in	ADP
ejif-12489	27	30	its	its	PRON
ejif-12489	27	31	governance	governance	NOUN
ejif-12489	27	32	system	system	NOUN
ejif-12489	27	33	(	(	PUNCT
ejif-12489	27	34	rahajeng	rahajeng	X
ejif-12489	27	35	,	,	PUNCT
ejif-12489	27	36	2022	2022	NUM
ejif-12489	27	37	)	)	PUNCT
ejif-12489	27	38	.	.	PUNCT
ejif-12489	28	1	bmt	bmt	PROPN
ejif-12489	28	2	can	can	AUX
ejif-12489	28	3	improve	improve	VERB
ejif-12489	28	4	household	household	NOUN
ejif-12489	28	5	welfare	welfare	NOUN
ejif-12489	28	6	,	,	PUNCT
ejif-12489	28	7	especially	especially	ADV
ejif-12489	28	8	for	for	ADP
ejif-12489	28	9	people	people	NOUN
ejif-12489	28	10	who	who	PRON
ejif-12489	28	11	can	can	AUX
ejif-12489	28	12	not	not	PART
ejif-12489	28	13	meet	meet	VERB
ejif-12489	28	14	bank	bank	NOUN
ejif-12489	28	15	standards	standard	NOUN
ejif-12489	28	16	(	(	PUNCT
ejif-12489	28	17	smolo	smolo	PROPN
ejif-12489	28	18	&	&	CCONJ
ejif-12489	28	19	ismail	ismail	PROPN
ejif-12489	28	20	,	,	PUNCT
ejif-12489	28	21	2011	2011	NUM
ejif-12489	28	22	;	;	PUNCT
ejif-12489	28	23	wafi	wafi	PROPN
ejif-12489	28	24	&	&	CCONJ
ejif-12489	28	25	muhammad	muhammad	PROPN
ejif-12489	28	26	,	,	PUNCT
ejif-12489	28	27	2023	2023	NUM
ejif-12489	28	28	)	)	PUNCT
ejif-12489	28	29	.	.	PUNCT
ejif-12489	29	1	in	in	ADP
ejif-12489	29	2	fact	fact	NOUN
ejif-12489	29	3	,	,	PUNCT
ejif-12489	29	4	after	after	ADP
ejif-12489	29	5	taking	take	VERB
ejif-12489	29	6	out	out	ADP
ejif-12489	29	7	bmt	bmt	NOUN
ejif-12489	29	8	loans	loan	NOUN
ejif-12489	29	9	,	,	PUNCT
ejif-12489	29	10	household	household	NOUN
ejif-12489	29	11	assets	asset	NOUN
ejif-12489	29	12	increased	increase	VERB
ejif-12489	29	13	substantially	substantially	ADV
ejif-12489	29	14	,	,	PUNCT
ejif-12489	29	15	demonstrating	demonstrate	VERB
ejif-12489	29	16	that	that	SCONJ
ejif-12489	29	17	saving	saving	NOUN
ejif-12489	29	18	may	may	AUX
ejif-12489	29	19	help	help	VERB
ejif-12489	29	20	the	the	DET
ejif-12489	29	21	community	community	NOUN
ejif-12489	29	22	even	even	ADV
ejif-12489	29	23	in	in	ADP
ejif-12489	29	24	the	the	DET
ejif-12489	29	25	face	face	NOUN
ejif-12489	29	26	of	of	ADP
ejif-12489	29	27	unstable	unstable	ADJ
ejif-12489	29	28	income	income	NOUN
ejif-12489	29	29	patterns	pattern	NOUN
ejif-12489	29	30	(	(	PUNCT
ejif-12489	29	31	zahidmahmood	zahidmahmood	NOUN
ejif-12489	29	32	et	et	PROPN
ejif-12489	29	33	al	al	PROPN
ejif-12489	29	34	.	.	PROPN
ejif-12489	29	35	,	,	PUNCT
ejif-12489	29	36	2017	2017	NUM
ejif-12489	29	37	)	)	PUNCT
ejif-12489	29	38	.	.	PUNCT
ejif-12489	30	1	as	as	ADP
ejif-12489	30	2	a	a	DET
ejif-12489	30	3	result	result	NOUN
ejif-12489	30	4	,	,	PUNCT
ejif-12489	30	5	bmt	bmt	PROPN
ejif-12489	30	6	is	be	AUX
ejif-12489	30	7	considered	consider	VERB
ejif-12489	30	8	a	a	DET
ejif-12489	30	9	significant	significant	ADJ
ejif-12489	30	10	islamic	islamic	ADJ
ejif-12489	30	11	financial	financial	ADJ
ejif-12489	30	12	inclusion	inclusion	NOUN
ejif-12489	30	13	strategy	strategy	NOUN
ejif-12489	30	14	that	that	PRON
ejif-12489	30	15	focuses	focus	VERB
ejif-12489	30	16	on	on	ADP
ejif-12489	30	17	financing	finance	VERB
ejif-12489	30	18	the	the	DET
ejif-12489	30	19	poor	poor	ADJ
ejif-12489	30	20	and	and	CCONJ
ejif-12489	30	21	microenterprises	microenterprise	NOUN
ejif-12489	30	22	excluded	exclude	VERB
ejif-12489	30	23	from	from	ADP
ejif-12489	30	24	the	the	DET
ejif-12489	30	25	commercial	commercial	ADJ
ejif-12489	30	26	banking	banking	NOUN
ejif-12489	30	27	system	system	NOUN
ejif-12489	30	28	to	to	PART
ejif-12489	30	29	increase	increase	VERB
ejif-12489	30	30	welfare	welfare	NOUN
ejif-12489	30	31	.	.	PUNCT
ejif-12489	31	1	the	the	DET
ejif-12489	31	2	presence	presence	NOUN
ejif-12489	31	3	of	of	ADP
ejif-12489	31	4	bmt	bmt	NOUN
ejif-12489	31	5	in	in	ADP
ejif-12489	31	6	indonesia	indonesia	PROPN
ejif-12489	31	7	has	have	AUX
ejif-12489	31	8	made	make	VERB
ejif-12489	31	9	it	it	PRON
ejif-12489	31	10	an	an	DET
ejif-12489	31	11	alternative	alternative	ADJ
ejif-12489	31	12	financial	financial	ADJ
ejif-12489	31	13	service	service	NOUN
ejif-12489	31	14	provider	provider	NOUN
ejif-12489	31	15	.	.	PUNCT
ejif-12489	32	1	first	first	ADV
ejif-12489	32	2	,	,	PUNCT
ejif-12489	32	3	bmt	bmt	PROPN
ejif-12489	32	4	was	be	AUX
ejif-12489	32	5	established	establish	VERB
ejif-12489	32	6	at	at	ADP
ejif-12489	32	7	the	the	DET
ejif-12489	32	8	grassroots	grassroots	ADJ
ejif-12489	32	9	level	level	NOUN
ejif-12489	32	10	,	,	PUNCT
ejif-12489	32	11	making	make	VERB
ejif-12489	32	12	it	it	PRON
ejif-12489	32	13	easier	easy	ADJ
ejif-12489	32	14	for	for	ADP
ejif-12489	32	15	prospective	prospective	ADJ
ejif-12489	32	16	clients	client	NOUN
ejif-12489	32	17	,	,	PUNCT
ejif-12489	32	18	particularly	particularly	ADV
ejif-12489	32	19	msmes	msme	NOUN
ejif-12489	32	20	,	,	PUNCT
ejif-12489	32	21	to	to	PART
ejif-12489	32	22	trade	trade	VERB
ejif-12489	32	23	and	and	CCONJ
ejif-12489	32	24	alleviating	alleviate	VERB
ejif-12489	32	25	poverty	poverty	NOUN
ejif-12489	32	26	in	in	ADP
ejif-12489	32	27	the	the	DET
ejif-12489	32	28	household	household	NOUN
ejif-12489	32	29	sector	sector	NOUN
ejif-12489	32	30	(	(	PUNCT
ejif-12489	32	31	adnan	adnan	PROPN
ejif-12489	32	32	&	&	CCONJ
ejif-12489	32	33	ajija	ajija	PROPN
ejif-12489	32	34	,	,	PUNCT
ejif-12489	32	35	2015	2015	NUM
ejif-12489	32	36	;	;	PUNCT
ejif-12489	32	37	bin	bin	PROPN
ejif-12489	32	38	mislan	mislan	PROPN
ejif-12489	32	39	cokro	cokro	PROPN
ejif-12489	32	40	hadisumarto	hadisumarto	PROPN
ejif-12489	32	41	&	&	CCONJ
ejif-12489	32	42	ghafar	ghafar	PROPN
ejif-12489	32	43	b.	b.	PROPN
ejif-12489	32	44	ismail	ismail	PROPN
ejif-12489	32	45	,	,	PUNCT
ejif-12489	32	46	2010	2010	NUM
ejif-12489	32	47	;	;	PUNCT
ejif-12489	32	48	septianingsih	septianingsih	PROPN
ejif-12489	32	49	et	et	PROPN
ejif-12489	32	50	al	al	PROPN
ejif-12489	32	51	.	.	PROPN
ejif-12489	32	52	,	,	PUNCT
ejif-12489	32	53	2024	2024	NUM
ejif-12489	32	54	)	)	PUNCT
ejif-12489	32	55	.	.	PUNCT
ejif-12489	33	1	second	second	ADV
ejif-12489	33	2	,	,	PUNCT
ejif-12489	33	3	bmt	bmt	VERB
ejif-12489	33	4	in	in	ADP
ejif-12489	33	5	various	various	ADJ
ejif-12489	33	6	indonesian	indonesian	ADJ
ejif-12489	33	7	regions	region	NOUN
ejif-12489	33	8	has	have	AUX
ejif-12489	33	9	demonstrated	demonstrate	VERB
ejif-12489	33	10	that	that	SCONJ
ejif-12489	33	11	it	it	PRON
ejif-12489	33	12	has	have	AUX
ejif-12489	33	13	eliminated	eliminate	VERB
ejif-12489	33	14	the	the	DET
ejif-12489	33	15	practice	practice	NOUN
ejif-12489	33	16	of	of	ADP
ejif-12489	33	17	usury	usury	NOUN
ejif-12489	33	18	,	,	PUNCT
ejif-12489	33	19	or	or	CCONJ
ejif-12489	33	20	lending	lend	VERB
ejif-12489	33	21	money	money	NOUN
ejif-12489	33	22	at	at	ADP
ejif-12489	33	23	interest	interest	NOUN
ejif-12489	33	24	,	,	PUNCT
ejif-12489	33	25	which	which	PRON
ejif-12489	33	26	is	be	AUX
ejif-12489	33	27	prohibited	prohibit	VERB
ejif-12489	33	28	by	by	ADP
ejif-12489	33	29	islam	islam	PROPN
ejif-12489	33	30	(	(	PUNCT
ejif-12489	33	31	kamal	kamal	PROPN
ejif-12489	33	32	et	et	PROPN
ejif-12489	33	33	al	al	PROPN
ejif-12489	33	34	.	.	PROPN
ejif-12489	33	35	,	,	PUNCT
ejif-12489	33	36	2024	2024	NUM
ejif-12489	33	37	)	)	PUNCT
ejif-12489	33	38	.	.	PUNCT
ejif-12489	34	1	third	third	ADV
ejif-12489	34	2	,	,	PUNCT
ejif-12489	34	3	as	as	ADP
ejif-12489	34	4	an	an	DET
ejif-12489	34	5	islamic	islamic	ADJ
ejif-12489	34	6	microfinance	microfinance	NOUN
ejif-12489	34	7	institution	institution	NOUN
ejif-12489	34	8	,	,	PUNCT
ejif-12489	34	9	bmt	bmt	PROPN
ejif-12489	34	10	has	have	AUX
ejif-12489	34	11	weathered	weather	VERB
ejif-12489	34	12	the	the	DET
ejif-12489	34	13	crisis	crisis	NOUN
ejif-12489	34	14	and	and	CCONJ
ejif-12489	34	15	is	be	AUX
ejif-12489	34	16	regarded	regard	VERB
ejif-12489	34	17	as	as	ADP
ejif-12489	34	18	an	an	DET
ejif-12489	34	19	ethical	ethical	ADJ
ejif-12489	34	20	project	project	NOUN
ejif-12489	34	21	(	(	PUNCT
ejif-12489	34	22	calder	calder	PROPN
ejif-12489	34	23	,	,	PUNCT
ejif-12489	34	24	2020	2020	NUM
ejif-12489	34	25	;	;	PUNCT
ejif-12489	34	26	m.	m.	NOUN
ejif-12489	34	27	iqbal	iqbal	PROPN
ejif-12489	34	28	,	,	PUNCT
ejif-12489	34	29	2020	2020	NUM
ejif-12489	34	30	)	)	PUNCT
ejif-12489	34	31	.	.	PUNCT
ejif-12489	35	1	as	as	ADP
ejif-12489	35	2	a	a	DET
ejif-12489	35	3	result	result	NOUN
ejif-12489	35	4	,	,	PUNCT
ejif-12489	35	5	bmt	bmt	PROPN
ejif-12489	35	6	has	have	AUX
ejif-12489	35	7	experienced	experience	VERB
ejif-12489	35	8	rapid	rapid	ADJ
ejif-12489	35	9	growth	growth	NOUN
ejif-12489	35	10	over	over	ADP
ejif-12489	35	11	the	the	DET
ejif-12489	35	12	last	last	ADJ
ejif-12489	35	13	three	three	NUM
ejif-12489	35	14	decades	decade	NOUN
ejif-12489	35	15	(	(	PUNCT
ejif-12489	35	16	fianto	fianto	NOUN
ejif-12489	35	17	et	et	PROPN
ejif-12489	35	18	al	al	PROPN
ejif-12489	35	19	.	.	PROPN
ejif-12489	35	20	,	,	PUNCT
ejif-12489	35	21	2019	2019	NUM
ejif-12489	35	22	)	)	PUNCT
ejif-12489	35	23	.	.	PUNCT
ejif-12489	36	1	according	accord	VERB
ejif-12489	36	2	to	to	ADP
ejif-12489	36	3	the	the	DET
ejif-12489	36	4	indonesian	indonesian	PROPN
ejif-12489	36	5	bmt	bmt	PROPN
ejif-12489	36	6	association	association	PROPN
ejif-12489	36	7	/	/	SYM
ejif-12489	36	8	absindo	absindo	NOUN
ejif-12489	36	9	(	(	PUNCT
ejif-12489	36	10	2019	2019	NUM
ejif-12489	36	11	)	)	PUNCT
ejif-12489	36	12	,	,	PUNCT
ejif-12489	36	13	the	the	DET
ejif-12489	36	14	number	number	NOUN
ejif-12489	36	15	of	of	ADP
ejif-12489	36	16	bmts	bmt	NOUN
ejif-12489	36	17	increased	increase	VERB
ejif-12489	36	18	from	from	ADP
ejif-12489	36	19	its	its	PRON
ejif-12489	36	20	inception	inception	NOUN
ejif-12489	36	21	in	in	ADP
ejif-12489	36	22	1990	1990	NUM
ejif-12489	36	23	to	to	ADP
ejif-12489	36	24	more	more	ADJ
ejif-12489	36	25	than	than	ADP
ejif-12489	36	26	4,000	4,000	NUM
ejif-12489	36	27	over	over	ADP
ejif-12489	36	28	the	the	DET
ejif-12489	36	29	next	next	ADJ
ejif-12489	36	30	three	three	NUM
ejif-12489	36	31	decades	decade	NOUN
ejif-12489	36	32	(	(	PUNCT
ejif-12489	36	33	mawardi	mawardi	PROPN
ejif-12489	36	34	et	et	PROPN
ejif-12489	36	35	al	al	PROPN
ejif-12489	36	36	.	.	PROPN
ejif-12489	36	37	,	,	PUNCT
ejif-12489	36	38	2020	2020	NUM
ejif-12489	36	39	)	)	PUNCT
ejif-12489	36	40	.	.	PUNCT
ejif-12489	37	1	according	accord	VERB
ejif-12489	37	2	to	to	ADP
ejif-12489	37	3	data	datum	NOUN
ejif-12489	37	4	released	release	VERB
ejif-12489	37	5	by	by	ADP
ejif-12489	37	6	the	the	DET
ejif-12489	37	7	national	national	ADJ
ejif-12489	37	8	economic	economic	ADJ
ejif-12489	37	9	and	and	CCONJ
ejif-12489	37	10	finance	finance	NOUN
ejif-12489	37	11	committee	committee	NOUN
ejif-12489	37	12	in	in	ADP
ejif-12489	37	13	2018	2018	NUM
ejif-12489	37	14	,	,	PUNCT
ejif-12489	37	15	at	at	ADP
ejif-12489	37	16	least	least	ADJ
ejif-12489	37	17	4,500	4,500	NUM
ejif-12489	37	18	bmt	bmt	NOUN
ejif-12489	37	19	units	unit	NOUN
ejif-12489	37	20	were	be	AUX
ejif-12489	37	21	established	establish	VERB
ejif-12489	37	22	.	.	PUNCT
ejif-12489	38	1	furthermore	furthermore	ADV
ejif-12489	38	2	,	,	PUNCT
ejif-12489	38	3	according	accord	VERB
ejif-12489	38	4	to	to	ADP
ejif-12489	38	5	data	datum	NOUN
ejif-12489	38	6	from	from	ADP
ejif-12489	38	7	the	the	DET
ejif-12489	38	8	indonesian	indonesian	PROPN
ejif-12489	38	9	bmt	bmt	PROPN
ejif-12489	38	10	association	association	PROPN
ejif-12489	38	11	(	(	PUNCT
ejif-12489	38	12	absindo	absindo	PROPN
ejif-12489	38	13	)	)	PUNCT
ejif-12489	38	14	,	,	PUNCT
ejif-12489	38	15	there	there	PRON
ejif-12489	38	16	were	be	VERB
ejif-12489	38	17	324	324	NUM
ejif-12489	38	18	bmts	bmt	NOUN
ejif-12489	38	19	in	in	ADP
ejif-12489	38	20	2021	2021	NUM
ejif-12489	38	21	,	,	PUNCT
ejif-12489	38	22	with	with	ADP
ejif-12489	38	23	a	a	DET
ejif-12489	38	24	total	total	NOUN
ejif-12489	38	25	of	of	ADP
ejif-12489	38	26	three	three	NUM
ejif-12489	38	27	million	million	NUM
ejif-12489	38	28	members	member	NOUN
ejif-12489	38	29	and	and	CCONJ
ejif-12489	38	30	1,315	1,315	NUM
ejif-12489	38	31	offices	office	NOUN
ejif-12489	38	32	.	.	PUNCT
ejif-12489	39	1	the	the	DET
ejif-12489	39	2	progressive	progressive	ADJ
ejif-12489	39	3	development	development	NOUN
ejif-12489	39	4	of	of	ADP
ejif-12489	39	5	bmt	bmt	NOUN
ejif-12489	39	6	in	in	ADP
ejif-12489	39	7	indonesia	indonesia	PROPN
ejif-12489	39	8	is	be	AUX
ejif-12489	39	9	closely	closely	ADV
ejif-12489	39	10	tied	tie	VERB
ejif-12489	39	11	to	to	ADP
ejif-12489	39	12	the	the	DET
ejif-12489	39	13	large	large	ADJ
ejif-12489	39	14	number	number	NOUN
ejif-12489	39	15	of	of	ADP
ejif-12489	39	16	middle	middle	ADJ
ejif-12489	39	17	and	and	CCONJ
ejif-12489	39	18	lower	low	ADJ
ejif-12489	39	19	classes	class	NOUN
ejif-12489	39	20	.	.	PUNCT
ejif-12489	40	1	of	of	ADP
ejif-12489	40	2	the	the	DET
ejif-12489	40	3	overall	overall	ADJ
ejif-12489	40	4	population	population	NOUN
ejif-12489	40	5	of	of	ADP
ejif-12489	40	6	approximately	approximately	ADV
ejif-12489	40	7	265	265	NUM
ejif-12489	40	8	million	million	NUM
ejif-12489	40	9	people	people	NOUN
ejif-12489	40	10	,	,	PUNCT
ejif-12489	40	11	40	40	NUM
ejif-12489	40	12	%	%	NOUN
ejif-12489	40	13	are	be	AUX
ejif-12489	40	14	classified	classify	VERB
ejif-12489	40	15	as	as	ADP
ejif-12489	40	16	middle	middle	ADJ
ejif-12489	40	17	class	class	NOUN
ejif-12489	40	18	,	,	PUNCT
ejif-12489	40	19	while	while	SCONJ
ejif-12489	40	20	20	20	NUM
ejif-12489	40	21	%	%	NOUN
ejif-12489	40	22	are	be	AUX
ejif-12489	40	23	classified	classify	VERB
ejif-12489	40	24	as	as	ADP
ejif-12489	40	25	lower	low	ADJ
ejif-12489	40	26	class	class	NOUN
ejif-12489	40	27	(	(	PUNCT
ejif-12489	40	28	septianingsih	septianingsih	PROPN
ejif-12489	40	29	et	et	PROPN
ejif-12489	40	30	al	al	PROPN
ejif-12489	40	31	.	.	PROPN
ejif-12489	40	32	,	,	PUNCT
ejif-12489	40	33	2024	2024	NUM
ejif-12489	40	34	)	)	PUNCT
ejif-12489	40	35	.	.	PUNCT
ejif-12489	41	1	according	accord	VERB
ejif-12489	41	2	to	to	ADP
ejif-12489	41	3	the	the	DET
ejif-12489	41	4	indonesian	indonesian	ADJ
ejif-12489	41	5	national	national	PROPN
ejif-12489	41	6	economic	economic	ADJ
ejif-12489	41	7	and	and	CCONJ
ejif-12489	41	8	finance	finance	NOUN
ejif-12489	41	9	committee	committee	NOUN
ejif-12489	41	10	(	(	PUNCT
ejif-12489	41	11	kneks	kneks	PROPN
ejif-12489	41	12	)	)	PUNCT
ejif-12489	41	13	,	,	PUNCT
ejif-12489	41	14	the	the	DET
ejif-12489	41	15	widespread	widespread	ADJ
ejif-12489	41	16	growth	growth	NOUN
ejif-12489	41	17	and	and	CCONJ
ejif-12489	41	18	distribution	distribution	NOUN
ejif-12489	41	19	of	of	ADP
ejif-12489	41	20	bmt	bmt	NOUN
ejif-12489	41	21	is	be	AUX
ejif-12489	41	22	not	not	PART
ejif-12489	41	23	matched	match	VERB
ejif-12489	41	24	by	by	ADP
ejif-12489	41	25	effective	effective	ADJ
ejif-12489	41	26	data	datum	NOUN
ejif-12489	41	27	management	management	NOUN
ejif-12489	41	28	.	.	PUNCT
ejif-12489	42	1	furthermore	furthermore	ADV
ejif-12489	42	2	,	,	PUNCT
ejif-12489	42	3	many	many	ADJ
ejif-12489	42	4	bmts	bmt	NOUN
ejif-12489	42	5	struggle	struggle	NOUN
ejif-12489	42	6	to	to	PART
ejif-12489	42	7	maintain	maintain	VERB
ejif-12489	42	8	performance	performance	NOUN
ejif-12489	42	9	and	and	CCONJ
ejif-12489	42	10	survival	survival	NOUN
ejif-12489	42	11	(	(	PUNCT
ejif-12489	42	12	septianingsih	septianingsih	PROPN
ejif-12489	42	13	et	et	PROPN
ejif-12489	42	14	al	al	PROPN
ejif-12489	42	15	.	.	PROPN
ejif-12489	42	16	,	,	PUNCT
ejif-12489	42	17	2024	2024	NUM
ejif-12489	42	18	)	)	PUNCT
ejif-12489	42	19	.	.	PUNCT
ejif-12489	43	1	previous	previous	ADJ
ejif-12489	43	2	research	research	NOUN
ejif-12489	43	3	has	have	AUX
ejif-12489	43	4	indicated	indicate	VERB
ejif-12489	43	5	that	that	SCONJ
ejif-12489	43	6	bmt	bmt	NOUN
ejif-12489	43	7	's	's	PART
ejif-12489	43	8	overall	overall	ADJ
ejif-12489	43	9	performance	performance	NOUN
ejif-12489	43	10	in	in	ADP
ejif-12489	43	11	indonesia	indonesia	PROPN
ejif-12489	43	12	was	be	AUX
ejif-12489	43	13	poor	poor	ADJ
ejif-12489	43	14	for	for	ADP
ejif-12489	43	15	several	several	ADJ
ejif-12489	43	16	reasons	reason	NOUN
ejif-12489	43	17	(	(	PUNCT
ejif-12489	43	18	rahajeng	rahajeng	X
ejif-12489	43	19	,	,	PUNCT
ejif-12489	43	20	2022	2022	NUM
ejif-12489	43	21	;	;	PUNCT
ejif-12489	43	22	seibel	seibel	NOUN
ejif-12489	43	23	,	,	PUNCT
ejif-12489	43	24	2012	2012	NUM
ejif-12489	43	25	)	)	PUNCT
ejif-12489	43	26	.	.	PUNCT
ejif-12489	44	1	first	first	ADV
ejif-12489	44	2	,	,	PUNCT
ejif-12489	44	3	authorities	authority	NOUN
ejif-12489	44	4	paid	pay	VERB
ejif-12489	44	5	less	less	ADJ
ejif-12489	44	6	attention	attention	NOUN
ejif-12489	44	7	to	to	PART
ejif-12489	44	8	bmt	bmt	VERB
ejif-12489	44	9	than	than	ADP
ejif-12489	44	10	to	to	ADP
ejif-12489	44	11	folk	folk	NOUN
ejif-12489	44	12	credit	credit	NOUN
ejif-12489	44	13	banks	bank	NOUN
ejif-12489	44	14	and	and	CCONJ
ejif-12489	44	15	commercial	commercial	ADJ
ejif-12489	44	16	banks	bank	NOUN
ejif-12489	44	17	,	,	PUNCT
ejif-12489	44	18	both	both	CCONJ
ejif-12489	44	19	in	in	ADP
ejif-12489	44	20	terms	term	NOUN
ejif-12489	44	21	of	of	ADP
ejif-12489	44	22	operational	operational	ADJ
ejif-12489	44	23	and	and	CCONJ
ejif-12489	44	24	financial	financial	ADJ
ejif-12489	44	25	data	datum	NOUN
ejif-12489	44	26	.	.	PUNCT
ejif-12489	45	1	second	second	ADJ
ejif-12489	45	2	,	,	PUNCT
ejif-12489	45	3	because	because	SCONJ
ejif-12489	45	4	there	there	PRON
ejif-12489	45	5	is	be	VERB
ejif-12489	45	6	no	no	DET
ejif-12489	45	7	regulation	regulation	NOUN
ejif-12489	45	8	or	or	CCONJ
ejif-12489	45	9	control	control	NOUN
ejif-12489	45	10	,	,	PUNCT
ejif-12489	45	11	consumers	consumer	NOUN
ejif-12489	45	12	assume	assume	VERB
ejif-12489	45	13	a	a	DET
ejif-12489	45	14	greater	great	ADJ
ejif-12489	45	15	risk	risk	NOUN
ejif-12489	45	16	while	while	SCONJ
ejif-12489	45	17	saving	save	VERB
ejif-12489	45	18	money	money	NOUN
ejif-12489	45	19	in	in	ADP
ejif-12489	45	20	bmt	bmt	NOUN
ejif-12489	45	21	.	.	PUNCT
ejif-12489	46	1	third	third	ADJ
ejif-12489	46	2	,	,	PUNCT
ejif-12489	46	3	bmt	bmt	NOUN
ejif-12489	46	4	's	's	PART
ejif-12489	46	5	human	human	ADJ
ejif-12489	46	6	resources	resource	NOUN
ejif-12489	46	7	lack	lack	VERB
ejif-12489	46	8	the	the	DET
ejif-12489	46	9	necessary	necessary	ADJ
ejif-12489	46	10	skills	skill	NOUN
ejif-12489	46	11	and	and	CCONJ
ejif-12489	46	12	experience	experience	NOUN
ejif-12489	46	13	to	to	PART
ejif-12489	46	14	understand	understand	VERB
ejif-12489	46	15	bmt	bmt	NOUN
ejif-12489	46	16	procedures	procedure	NOUN
ejif-12489	46	17	,	,	PUNCT
ejif-12489	46	18	manage	manage	VERB
ejif-12489	46	19	cooperatives	cooperative	NOUN
ejif-12489	46	20	effectively	effectively	ADV
ejif-12489	46	21	,	,	PUNCT
ejif-12489	46	22	and	and	CCONJ
ejif-12489	46	23	maintain	maintain	VERB
ejif-12489	46	24	high	high	ADJ
ejif-12489	46	25	standards	standard	NOUN
ejif-12489	46	26	of	of	ADP
ejif-12489	46	27	product	product	NOUN
ejif-12489	46	28	or	or	CCONJ
ejif-12489	46	29	service	service	NOUN
ejif-12489	46	30	quality	quality	NOUN
ejif-12489	46	31	.	.	PUNCT
ejif-12489	47	1	misalignment	misalignment	NOUN
ejif-12489	47	2	of	of	ADP
ejif-12489	47	3	management	management	NOUN
ejif-12489	47	4	between	between	ADP
ejif-12489	47	5	short	short	ADJ
ejif-12489	47	6	-	-	PUNCT
ejif-12489	47	7	term	term	NOUN
ejif-12489	47	8	deposits	deposit	NOUN
ejif-12489	47	9	and	and	CCONJ
ejif-12489	47	10	long	long	ADJ
ejif-12489	47	11	-	-	PUNCT
ejif-12489	47	12	term	term	NOUN
ejif-12489	47	13	financing	financing	NOUN
ejif-12489	47	14	raises	raise	VERB
ejif-12489	47	15	financing	financing	NOUN
ejif-12489	47	16	and	and	CCONJ
ejif-12489	47	17	liquidity	liquidity	NOUN
ejif-12489	47	18	risks	risk	NOUN
ejif-12489	47	19	in	in	ADP
ejif-12489	47	20	bmt	bmt	PROPN
ejif-12489	47	21	(	(	PUNCT
ejif-12489	47	22	mutamimah	mutamimah	NOUN
ejif-12489	47	23	et	et	PROPN
ejif-12489	47	24	al	al	PROPN
ejif-12489	47	25	.	.	PROPN
ejif-12489	47	26	,	,	PUNCT
ejif-12489	47	27	2022	2022	NUM
ejif-12489	47	28	)	)	PUNCT
ejif-12489	47	29	.	.	PUNCT
ejif-12489	48	1	although	although	SCONJ
ejif-12489	48	2	conformity	conformity	NOUN
ejif-12489	48	3	with	with	ADP
ejif-12489	48	4	sharia	sharia	PROPN
ejif-12489	48	5	has	have	AUX
ejif-12489	48	6	not	not	PART
ejif-12489	48	7	been	be	AUX
ejif-12489	48	8	fully	fully	ADV
ejif-12489	48	9	implemented	implement	VERB
ejif-12489	48	10	,	,	PUNCT
ejif-12489	48	11	it	it	PRON
ejif-12489	48	12	poses	pose	VERB
ejif-12489	48	13	a	a	DET
ejif-12489	48	14	particular	particular	ADJ
ejif-12489	48	15	risk	risk	NOUN
ejif-12489	48	16	to	to	PART
ejif-12489	48	17	bmt	bmt	VERB
ejif-12489	48	18	.	.	PUNCT
ejif-12489	49	1	because	because	SCONJ
ejif-12489	49	2	sharia	sharia	PROPN
ejif-12489	49	3	compliance	compliance	NOUN
ejif-12489	49	4	is	be	AUX
ejif-12489	49	5	more	more	ADJ
ejif-12489	49	6	than	than	ADP
ejif-12489	49	7	just	just	ADV
ejif-12489	49	8	a	a	DET
ejif-12489	49	9	requirement	requirement	NOUN
ejif-12489	49	10	for	for	ADP
ejif-12489	49	11	a	a	DET
ejif-12489	49	12	corporate	corporate	ADJ
ejif-12489	49	13	operational	operational	ADJ
ejif-12489	49	14	system	system	NOUN
ejif-12489	49	15	,	,	PUNCT
ejif-12489	49	16	it	it	PRON
ejif-12489	49	17	must	must	AUX
ejif-12489	49	18	also	also	ADV
ejif-12489	49	19	be	be	AUX
ejif-12489	49	20	a	a	DET
ejif-12489	49	21	work	work	NOUN
ejif-12489	49	22	culture	culture	NOUN
ejif-12489	49	23	that	that	PRON
ejif-12489	49	24	ensures	ensure	VERB
ejif-12489	49	25	halal	halal	NOUN
ejif-12489	49	26	business	business	NOUN
ejif-12489	49	27	transactions	transaction	NOUN
ejif-12489	49	28	through	through	ADP
ejif-12489	49	29	the	the	DET
ejif-12489	49	30	practice	practice	NOUN
ejif-12489	49	31	of	of	ADP
ejif-12489	49	32	fiqh	fiqh	PROPN
ejif-12489	49	33	muamalat	muamalat	NOUN
ejif-12489	49	34	(	(	PUNCT
ejif-12489	49	35	muhammad	muhammad	PROPN
ejif-12489	49	36	,	,	PUNCT
ejif-12489	49	37	2020	2020	NUM
ejif-12489	49	38	)	)	PUNCT
ejif-12489	49	39	.	.	PUNCT
ejif-12489	50	1	another	another	DET
ejif-12489	50	2	aspect	aspect	NOUN
ejif-12489	50	3	is	be	AUX
ejif-12489	50	4	low	low	ADJ
ejif-12489	50	5	-	-	PUNCT
ejif-12489	50	6	income	income	NOUN
ejif-12489	50	7	finance	finance	NOUN
ejif-12489	50	8	,	,	PUNCT
ejif-12489	50	9	which	which	PRON
ejif-12489	50	10	causes	cause	VERB
ejif-12489	50	11	significant	significant	ADJ
ejif-12489	50	12	knowledge	knowledge	NOUN
ejif-12489	50	13	asymmetry	asymmetry	NOUN
ejif-12489	50	14	.	.	PUNCT
ejif-12489	51	1	customers	customer	NOUN
ejif-12489	51	2	with	with	ADP
ejif-12489	51	3	variable	variable	ADJ
ejif-12489	51	4	income	income	NOUN
ejif-12489	51	5	and	and	CCONJ
ejif-12489	51	6	no	no	DET
ejif-12489	51	7	loan	loan	NOUN
ejif-12489	51	8	guarantees	guarantee	NOUN
ejif-12489	51	9	present	present	VERB
ejif-12489	51	10	a	a	DET
ejif-12489	51	11	set	set	NOUN
ejif-12489	51	12	of	of	ADP
ejif-12489	51	13	risk	risk	NOUN
ejif-12489	51	14	profiles	profile	NOUN
ejif-12489	51	15	for	for	ADP
ejif-12489	51	16	bmt	bmt	NOUN
ejif-12489	51	17	.	.	PUNCT
ejif-12489	52	1	as	as	ADP
ejif-12489	52	2	a	a	DET
ejif-12489	52	3	result	result	NOUN
ejif-12489	52	4	,	,	PUNCT
ejif-12489	52	5	many	many	ADJ
ejif-12489	52	6	bmts	bmt	VERB
ejif-12489	52	7	cease	cease	NOUN
ejif-12489	52	8	operations	operation	NOUN
ejif-12489	52	9	because	because	SCONJ
ejif-12489	52	10	they	they	PRON
ejif-12489	52	11	are	be	AUX
ejif-12489	52	12	unable	unable	ADJ
ejif-12489	52	13	to	to	PART
ejif-12489	52	14	foresee	foresee	VERB
ejif-12489	52	15	inherent	inherent	ADJ
ejif-12489	52	16	risks	risk	NOUN
ejif-12489	52	17	in	in	ADP
ejif-12489	52	18	the	the	DET
ejif-12489	52	19	early	early	ADJ
ejif-12489	52	20	phases	phase	NOUN
ejif-12489	52	21	,	,	PUNCT
ejif-12489	52	22	particularly	particularly	ADV
ejif-12489	52	23	those	those	PRON
ejif-12489	52	24	related	relate	VERB
ejif-12489	52	25	to	to	ADP
ejif-12489	52	26	financing	financing	NOUN
ejif-12489	52	27	,	,	PUNCT
ejif-12489	52	28	liquidity	liquidity	NOUN
ejif-12489	52	29	,	,	PUNCT
ejif-12489	52	30	and	and	CCONJ
ejif-12489	52	31	sharia	sharia	PROPN
ejif-12489	52	32	compliance	compliance	NOUN
ejif-12489	52	33	(	(	PUNCT
ejif-12489	52	34	mutamimah	mutamimah	PROPN
ejif-12489	52	35	et	et	PROPN
ejif-12489	52	36	al	al	PROPN
ejif-12489	52	37	.	.	PROPN
ejif-12489	52	38	,	,	PUNCT
ejif-12489	52	39	2022	2022	NUM
ejif-12489	52	40	;	;	PUNCT
ejif-12489	52	41	wafi	wafi	PROPN
ejif-12489	52	42	&	&	CCONJ
ejif-12489	52	43	muhammad	muhammad	PROPN
ejif-12489	52	44	,	,	PUNCT
ejif-12489	52	45	2023	2023	NUM
ejif-12489	52	46	)	)	PUNCT
ejif-12489	52	47	.	.	PUNCT
ejif-12489	53	1	furthermore	furthermore	ADV
ejif-12489	53	2	,	,	PUNCT
ejif-12489	53	3	bmt	bmt	PROPN
ejif-12489	53	4	operates	operate	VERB
ejif-12489	53	5	in	in	ADP
ejif-12489	53	6	delicate	delicate	ADJ
ejif-12489	53	7	and	and	CCONJ
ejif-12489	53	8	harsh	harsh	ADJ
ejif-12489	53	9	environmental	environmental	ADJ
ejif-12489	53	10	conditions	condition	NOUN
ejif-12489	53	11	,	,	PUNCT
ejif-12489	53	12	which	which	PRON
ejif-12489	53	13	pose	pose	VERB
ejif-12489	53	14	significant	significant	ADJ
ejif-12489	53	15	risks	risk	NOUN
ejif-12489	53	16	.	.	PUNCT
ejif-12489	54	1	even	even	ADV
ejif-12489	54	2	concrete	concrete	ADJ
ejif-12489	54	3	facts	fact	NOUN
ejif-12489	54	4	demonstrate	demonstrate	VERB
ejif-12489	54	5	the	the	DET
ejif-12489	54	6	prevalence	prevalence	NOUN
ejif-12489	54	7	of	of	ADP
ejif-12489	54	8	deviations	deviation	NOUN
ejif-12489	54	9	from	from	ADP
ejif-12489	54	10	islamic	islamic	ADJ
ejif-12489	54	11	standards	standard	NOUN
ejif-12489	54	12	,	,	PUNCT
ejif-12489	54	13	including	include	VERB
ejif-12489	54	14	a	a	DET
ejif-12489	54	15	series	series	NOUN
ejif-12489	54	16	of	of	ADP
ejif-12489	54	17	fraud	fraud	NOUN
ejif-12489	54	18	cases	case	NOUN
ejif-12489	54	19	among	among	ADP
ejif-12489	54	20	bmts	bmt	NOUN
ejif-12489	54	21	that	that	PRON
ejif-12489	54	22	cost	cost	VERB
ejif-12489	54	23	more	more	ADJ
ejif-12489	54	24	than	than	ADP
ejif-12489	54	25	rp1,143.69	rp1,143.69	NOUN
ejif-12489	54	26	billion	billion	NUM
ejif-12489	54	27	(	(	PUNCT
ejif-12489	54	28	usd	usd	NOUN
ejif-12489	54	29	80.54	80.54	NUM
ejif-12489	54	30	million	million	NUM
ejif-12489	54	31	)	)	PUNCT
ejif-12489	54	32	per	per	ADP
ejif-12489	54	33	year	year	NOUN
ejif-12489	54	34	(	(	PUNCT
ejif-12489	54	35	rahajeng	rahajeng	PROPN
ejif-12489	54	36	,	,	PUNCT
ejif-12489	54	37	2022	2022	NUM
ejif-12489	54	38	)	)	PUNCT
ejif-12489	54	39	.	.	PUNCT
ejif-12489	55	1	this	this	PRON
ejif-12489	55	2	suggests	suggest	VERB
ejif-12489	55	3	that	that	SCONJ
ejif-12489	55	4	in	in	ADP
ejif-12489	55	5	islamic	islamic	ADJ
ejif-12489	55	6	financial	financial	ADJ
ejif-12489	55	7	institutions	institution	NOUN
ejif-12489	55	8	,	,	PUNCT
ejif-12489	55	9	sharia	sharia	PROPN
ejif-12489	55	10	compliance	compliance	NOUN
ejif-12489	55	11	is	be	AUX
ejif-12489	55	12	viewed	view	VERB
ejif-12489	55	13	as	as	ADP
ejif-12489	55	14	a	a	DET
ejif-12489	55	15	need	need	NOUN
ejif-12489	55	16	for	for	ADP
ejif-12489	55	17	corporate	corporate	ADJ
ejif-12489	55	18	operating	operating	NOUN
ejif-12489	55	19	processes	process	NOUN
ejif-12489	55	20	rather	rather	ADV
ejif-12489	55	21	than	than	ADP
ejif-12489	55	22	a	a	DET
ejif-12489	55	23	work	work	NOUN
ejif-12489	55	24	culture	culture	NOUN
ejif-12489	55	25	.	.	PUNCT
ejif-12489	56	1	consider	consider	VERB
ejif-12489	56	2	that	that	SCONJ
ejif-12489	56	3	the	the	DET
ejif-12489	56	4	practice	practice	NOUN
ejif-12489	56	5	of	of	ADP
ejif-12489	56	6	fiqh	fiqh	PROPN
ejif-12489	56	7	muamalat	muamalat	NOUN
ejif-12489	56	8	must	must	AUX
ejif-12489	56	9	not	not	PART
ejif-12489	56	10	only	only	ADV
ejif-12489	56	11	be	be	AUX
ejif-12489	56	12	contained	contain	VERB
ejif-12489	56	13	in	in	ADP
ejif-12489	56	14	a	a	DET
ejif-12489	56	15	system	system	NOUN
ejif-12489	56	16	of	of	ADP
ejif-12489	56	17	company	company	NOUN
ejif-12489	56	18	standard	standard	ADJ
ejif-12489	56	19	norms	norm	NOUN
ejif-12489	56	20	but	but	CCONJ
ejif-12489	56	21	must	must	AUX
ejif-12489	56	22	also	also	ADV
ejif-12489	56	23	be	be	AUX
ejif-12489	56	24	incorporated	incorporate	VERB
ejif-12489	56	25	into	into	ADP
ejif-12489	56	26	everyday	everyday	ADJ
ejif-12489	56	27	traditions	tradition	NOUN
ejif-12489	56	28	,	,	PUNCT
ejif-12489	56	29	creating	create	VERB
ejif-12489	56	30	a	a	DET
ejif-12489	56	31	habit	habit	NOUN
ejif-12489	56	32	and	and	CCONJ
ejif-12489	56	33	even	even	ADV
ejif-12489	56	34	a	a	DET
ejif-12489	56	35	work	work	NOUN
ejif-12489	56	36	culture	culture	NOUN
ejif-12489	56	37	.	.	PUNCT
ejif-12489	57	1	the	the	DET
ejif-12489	57	2	practice	practice	NOUN
ejif-12489	57	3	of	of	ADP
ejif-12489	57	4	good	good	ADJ
ejif-12489	57	5	fiqh	fiqh	PROPN
ejif-12489	57	6	muamalat	muamalat	NOUN
ejif-12489	57	7	is	be	AUX
ejif-12489	57	8	positively	positively	ADV
ejif-12489	57	9	correlated	correlate	VERB
ejif-12489	57	10	with	with	ADP
ejif-12489	57	11	sharia	sharia	PROPN
ejif-12489	57	12	compliance	compliance	NOUN
ejif-12489	57	13	,	,	PUNCT
ejif-12489	57	14	which	which	PRON
ejif-12489	57	15	entails	entail	VERB
ejif-12489	57	16	risk	risk	NOUN
ejif-12489	57	17	mitigation	mitigation	NOUN
ejif-12489	57	18	.	.	PUNCT
ejif-12489	58	1	given	give	VERB
ejif-12489	58	2	the	the	DET
ejif-12489	58	3	importance	importance	NOUN
ejif-12489	58	4	of	of	ADP
ejif-12489	58	5	bmt	bmt	NOUN
ejif-12489	58	6	to	to	ADP
ejif-12489	58	7	the	the	DET
ejif-12489	58	8	indonesian	indonesian	ADJ
ejif-12489	58	9	economy	economy	NOUN
ejif-12489	58	10	while	while	SCONJ
ejif-12489	58	11	confronting	confront	VERB
ejif-12489	58	12	significant	significant	ADJ
ejif-12489	58	13	risks	risk	NOUN
ejif-12489	58	14	,	,	PUNCT
ejif-12489	58	15	it	it	PRON
ejif-12489	58	16	is	be	AUX
ejif-12489	58	17	critical	critical	ADJ
ejif-12489	58	18	to	to	PART
ejif-12489	58	19	achieve	achieve	VERB
ejif-12489	58	20	a	a	DET
ejif-12489	58	21	competitive	competitive	ADJ
ejif-12489	58	22	advantage	advantage	NOUN
ejif-12489	58	23	and	and	CCONJ
ejif-12489	58	24	improved	improved	ADJ
ejif-12489	58	25	performance	performance	NOUN
ejif-12489	58	26	through	through	ADP
ejif-12489	58	27	effective	effective	ADJ
ejif-12489	58	28	risk	risk	NOUN
ejif-12489	58	29	management	management	NOUN
ejif-12489	58	30	.	.	PUNCT
ejif-12489	59	1	the	the	DET
ejif-12489	59	2	primary	primary	ADJ
ejif-12489	59	3	focus	focus	NOUN
ejif-12489	59	4	is	be	AUX
ejif-12489	59	5	on	on	ADP
ejif-12489	59	6	the	the	DET
ejif-12489	59	7	risks	risk	NOUN
ejif-12489	59	8	of	of	ADP
ejif-12489	59	9	financing	financing	NOUN
ejif-12489	59	10	,	,	PUNCT
ejif-12489	59	11	liquidity	liquidity	NOUN
ejif-12489	59	12	,	,	PUNCT
ejif-12489	59	13	and	and	CCONJ
ejif-12489	59	14	sharia	sharia	PROPN
ejif-12489	59	15	compliance	compliance	NOUN
ejif-12489	59	16	,	,	PUNCT
ejif-12489	59	17	which	which	PRON
ejif-12489	59	18	are	be	AUX
ejif-12489	59	19	commonly	commonly	ADV
ejif-12489	59	20	found	find	VERB
ejif-12489	59	21	in	in	ADP
ejif-12489	59	22	bmts	bmts	NOUN
ejif-12489	59	23	and	and	CCONJ
ejif-12489	59	24	have	have	VERB
ejif-12489	59	25	a	a	DET
ejif-12489	59	26	direct	direct	ADJ
ejif-12489	59	27	impact	impact	NOUN
ejif-12489	59	28	on	on	ADP
ejif-12489	59	29	performance	performance	NOUN
ejif-12489	59	30	.	.	PUNCT
ejif-12489	60	1	furthermore	furthermore	ADV
ejif-12489	60	2	,	,	PUNCT
ejif-12489	60	3	a	a	DET
ejif-12489	60	4	thorough	thorough	ADJ
ejif-12489	60	5	comprehension	comprehension	NOUN
ejif-12489	60	6	of	of	ADP
ejif-12489	60	7	the	the	DET
ejif-12489	60	8	practice	practice	NOUN
ejif-12489	60	9	of	of	ADP
ejif-12489	60	10	fiqh	fiqh	PROPN
ejif-12489	60	11	muamalat	muamalat	NOUN
ejif-12489	60	12	is	be	AUX
ejif-12489	60	13	required	require	VERB
ejif-12489	60	14	to	to	PART
ejif-12489	60	15	mitigate	mitigate	VERB
ejif-12489	60	16	any	any	DET
ejif-12489	60	17	potential	potential	ADJ
ejif-12489	60	18	risk	risk	NOUN
ejif-12489	60	19	.	.	PUNCT
ejif-12489	61	1	to	to	ADP
ejif-12489	61	2	date	date	NOUN
ejif-12489	61	3	,	,	PUNCT
ejif-12489	61	4	little	little	ADJ
ejif-12489	61	5	attention	attention	NOUN
ejif-12489	61	6	has	have	AUX
ejif-12489	61	7	been	be	AUX
ejif-12489	61	8	paid	pay	VERB
ejif-12489	61	9	to	to	ADP
ejif-12489	61	10	the	the	DET
ejif-12489	61	11	practice	practice	NOUN
ejif-12489	61	12	of	of	ADP
ejif-12489	61	13	risk	risk	NOUN
ejif-12489	61	14	management	management	NOUN
ejif-12489	61	15	in	in	ADP
ejif-12489	61	16	bmt	bmt	NOUN
ejif-12489	61	17	,	,	PUNCT
ejif-12489	61	18	despite	despite	SCONJ
ejif-12489	61	19	the	the	DET
ejif-12489	61	20	high	high	ADJ
ejif-12489	61	21	rate	rate	NOUN
ejif-12489	61	22	of	of	ADP
ejif-12489	61	23	performance	performance	NOUN
ejif-12489	61	24	failure	failure	NOUN
ejif-12489	61	25	and	and	CCONJ
ejif-12489	61	26	deviation	deviation	NOUN
ejif-12489	61	27	from	from	ADP
ejif-12489	61	28	islamic	islamic	ADJ
ejif-12489	61	29	values	value	NOUN
ejif-12489	61	30	.	.	PUNCT
ejif-12489	62	1	previous	previous	ADJ
ejif-12489	62	2	research	research	NOUN
ejif-12489	62	3	has	have	AUX
ejif-12489	62	4	demonstrated	demonstrate	VERB
ejif-12489	62	5	that	that	SCONJ
ejif-12489	62	6	the	the	DET
ejif-12489	62	7	risks	risk	NOUN
ejif-12489	62	8	associated	associate	VERB
ejif-12489	62	9	with	with	ADP
ejif-12489	62	10	sharia	sharia	PROPN
ejif-12489	62	11	compliance	compliance	NOUN
ejif-12489	62	12	,	,	PUNCT
ejif-12489	62	13	european	european	PROPN
ejif-12489	62	14	journal	journal	PROPN
ejif-12489	62	15	of	of	ADP
ejif-12489	62	16	islamic	islamic	PROPN
ejif-12489	62	17	finance	finance	PROPN
ejif-12489	62	18	issn	issn	PROPN
ejif-12489	62	19	:	:	PUNCT
ejif-12489	62	20	2421	2421	NUM
ejif-12489	62	21	-	-	SYM
ejif-12489	62	22	2172	2172	NUM
ejif-12489	62	23	doi	doi	NOUN
ejif-12489	62	24	:	:	PUNCT
ejif-12489	62	25	10.13135/2421	10.13135/2421	NUM
ejif-12489	62	26	-	-	SYM
ejif-12489	62	27	2172/12489	2172/12489	NUM
ejif-12489	62	28	published	publish	VERB
ejif-12489	62	29	by	by	ADP
ejif-12489	62	30	university	university	PROPN
ejif-12489	62	31	of	of	ADP
ejif-12489	62	32	turin	turin	PROPN
ejif-12489	63	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	63	2	ejif	ejif	PROPN
ejif-12489	63	3	content	content	NOUN
ejif-12489	63	4	is	be	AUX
ejif-12489	63	5	licensed	license	VERB
ejif-12489	63	6	under	under	ADP
ejif-12489	63	7	a	a	DET
ejif-12489	63	8	creative	creative	ADJ
ejif-12489	63	9	commons	common	NOUN
ejif-12489	63	10	attribution	attribution	NOUN
ejif-12489	63	11	4.0	4.0	NUM
ejif-12489	63	12	international	international	ADJ
ejif-12489	63	13	license	license	NOUN
ejif-12489	63	14	19	19	NUM
ejif-12489	63	15	funding	funding	NOUN
ejif-12489	63	16	,	,	PUNCT
ejif-12489	63	17	and	and	CCONJ
ejif-12489	63	18	operational	operational	ADJ
ejif-12489	63	19	/	/	SYM
ejif-12489	63	20	liquidity	liquidity	NOUN
ejif-12489	63	21	issues	issue	NOUN
ejif-12489	63	22	have	have	VERB
ejif-12489	63	23	a	a	DET
ejif-12489	63	24	direct	direct	ADJ
ejif-12489	63	25	impact	impact	NOUN
ejif-12489	63	26	on	on	ADP
ejif-12489	63	27	financial	financial	ADJ
ejif-12489	63	28	performance	performance	NOUN
ejif-12489	63	29	and	and	CCONJ
ejif-12489	63	30	sustainability	sustainability	NOUN
ejif-12489	63	31	(	(	PUNCT
ejif-12489	63	32	mutamimah	mutamimah	NOUN
ejif-12489	63	33	et	et	PROPN
ejif-12489	63	34	al	al	PROPN
ejif-12489	63	35	.	.	PROPN
ejif-12489	63	36	,	,	PUNCT
ejif-12489	63	37	2022	2022	NUM
ejif-12489	63	38	;	;	PUNCT
ejif-12489	64	1	wafi	wafi	PROPN
ejif-12489	64	2	&	&	CCONJ
ejif-12489	64	3	muhammad	muhammad	PROPN
ejif-12489	64	4	,	,	PUNCT
ejif-12489	64	5	2023	2023	NUM
ejif-12489	64	6	)	)	PUNCT
ejif-12489	64	7	.	.	PUNCT
ejif-12489	65	1	other	other	ADJ
ejif-12489	65	2	studies	study	NOUN
ejif-12489	65	3	focus	focus	VERB
ejif-12489	65	4	on	on	ADP
ejif-12489	65	5	the	the	DET
ejif-12489	65	6	internal	internal	ADJ
ejif-12489	65	7	control	control	NOUN
ejif-12489	65	8	system	system	NOUN
ejif-12489	65	9	and	and	CCONJ
ejif-12489	65	10	the	the	DET
ejif-12489	65	11	low	low	ADJ
ejif-12489	65	12	implementation	implementation	NOUN
ejif-12489	65	13	of	of	ADP
ejif-12489	65	14	authorization	authorization	NOUN
ejif-12489	65	15	and	and	CCONJ
ejif-12489	65	16	consultation	consultation	NOUN
ejif-12489	65	17	with	with	ADP
ejif-12489	65	18	the	the	DET
ejif-12489	65	19	sharia	sharia	PROPN
ejif-12489	65	20	supervisory	supervisory	ADJ
ejif-12489	65	21	board	board	NOUN
ejif-12489	65	22	(	(	PUNCT
ejif-12489	65	23	wardiwiyono	wardiwiyono	PROPN
ejif-12489	65	24	,	,	PUNCT
ejif-12489	65	25	2012	2012	NUM
ejif-12489	65	26	)	)	PUNCT
ejif-12489	65	27	,	,	PUNCT
ejif-12489	65	28	as	as	ADV
ejif-12489	65	29	well	well	ADV
ejif-12489	65	30	as	as	ADP
ejif-12489	65	31	the	the	DET
ejif-12489	65	32	influence	influence	NOUN
ejif-12489	65	33	of	of	ADP
ejif-12489	65	34	bmt	bmt	PROPN
ejif-12489	65	35	funding	funding	NOUN
ejif-12489	65	36	(	(	PUNCT
ejif-12489	65	37	adnan	adnan	PROPN
ejif-12489	65	38	&	&	CCONJ
ejif-12489	65	39	ajija	ajija	PROPN
ejif-12489	65	40	,	,	PUNCT
ejif-12489	65	41	2015	2015	NUM
ejif-12489	65	42	;	;	PUNCT
ejif-12489	65	43	bin	bin	PROPN
ejif-12489	65	44	mislan	mislan	PROPN
ejif-12489	65	45	cokro	cokro	PROPN
ejif-12489	65	46	hadisumarto	hadisumarto	PROPN
ejif-12489	65	47	&	&	CCONJ
ejif-12489	65	48	ghafar	ghafar	PROPN
ejif-12489	65	49	b.	b.	PROPN
ejif-12489	65	50	ismail	ismail	PROPN
ejif-12489	65	51	,	,	PUNCT
ejif-12489	65	52	2010	2010	NUM
ejif-12489	65	53	)	)	PUNCT
ejif-12489	65	54	.	.	PUNCT
ejif-12489	66	1	globally	globally	ADV
ejif-12489	66	2	,	,	PUNCT
ejif-12489	66	3	the	the	DET
ejif-12489	66	4	study	study	NOUN
ejif-12489	66	5	of	of	ADP
ejif-12489	66	6	identifying	identify	VERB
ejif-12489	66	7	risk	risk	NOUN
ejif-12489	66	8	in	in	ADP
ejif-12489	66	9	islamic	islamic	ADJ
ejif-12489	66	10	microfinance	microfinance	NOUN
ejif-12489	66	11	institutions	institution	NOUN
ejif-12489	66	12	(	(	PUNCT
ejif-12489	66	13	imfis	imfis	PROPN
ejif-12489	66	14	)	)	PUNCT
ejif-12489	66	15	in	in	ADP
ejif-12489	66	16	malaysia	malaysia	PROPN
ejif-12489	66	17	encompasses	encompass	VERB
ejif-12489	66	18	shariah	shariah	PROPN
ejif-12489	66	19	risk	risk	NOUN
ejif-12489	66	20	,	,	PUNCT
ejif-12489	66	21	operational	operational	ADJ
ejif-12489	66	22	risk	risk	NOUN
ejif-12489	66	23	,	,	PUNCT
ejif-12489	66	24	and	and	CCONJ
ejif-12489	66	25	credit	credit	NOUN
ejif-12489	66	26	risk	risk	NOUN
ejif-12489	66	27	(	(	PUNCT
ejif-12489	66	28	rozzani	rozzani	PROPN
ejif-12489	66	29	et	et	PROPN
ejif-12489	66	30	al	al	PROPN
ejif-12489	66	31	.	.	PROPN
ejif-12489	66	32	,	,	PUNCT
ejif-12489	66	33	2017	2017	NUM
ejif-12489	66	34	)	)	PUNCT
ejif-12489	66	35	,	,	PUNCT
ejif-12489	66	36	as	as	ADV
ejif-12489	66	37	well	well	ADV
ejif-12489	66	38	as	as	ADP
ejif-12489	66	39	the	the	DET
ejif-12489	66	40	causes	cause	NOUN
ejif-12489	66	41	of	of	ADP
ejif-12489	66	42	payment	payment	NOUN
ejif-12489	66	43	failure	failure	NOUN
ejif-12489	66	44	among	among	ADP
ejif-12489	66	45	grameen	grameen	PROPN
ejif-12489	66	46	bank	bank	NOUN
ejif-12489	66	47	customers	customer	NOUN
ejif-12489	66	48	in	in	ADP
ejif-12489	66	49	bangladesh	bangladesh	PROPN
ejif-12489	66	50	(	(	PUNCT
ejif-12489	66	51	kassim	kassim	PROPN
ejif-12489	66	52	&	&	CCONJ
ejif-12489	66	53	rahman	rahman	PROPN
ejif-12489	66	54	,	,	PUNCT
ejif-12489	66	55	2018	2018	NUM
ejif-12489	66	56	)	)	PUNCT
ejif-12489	66	57	.	.	PUNCT
ejif-12489	67	1	even	even	ADV
ejif-12489	67	2	among	among	ADP
ejif-12489	67	3	the	the	DET
ejif-12489	67	4	most	most	ADV
ejif-12489	67	5	recent	recent	ADJ
ejif-12489	67	6	literature	literature	NOUN
ejif-12489	67	7	on	on	ADP
ejif-12489	67	8	islamic	islamic	ADJ
ejif-12489	67	9	microfinance	microfinance	NOUN
ejif-12489	67	10	institutions	institution	NOUN
ejif-12489	67	11	published	publish	VERB
ejif-12489	67	12	in	in	ADP
ejif-12489	67	13	respectable	respectable	ADJ
ejif-12489	67	14	international	international	ADJ
ejif-12489	67	15	journals	journal	NOUN
ejif-12489	67	16	,	,	PUNCT
ejif-12489	67	17	only	only	ADV
ejif-12489	67	18	6	6	NUM
ejif-12489	67	19	publications	publication	NOUN
ejif-12489	67	20	(	(	PUNCT
ejif-12489	67	21	8	8	NUM
ejif-12489	67	22	%	%	NOUN
ejif-12489	67	23	)	)	PUNCT
ejif-12489	67	24	of	of	ADP
ejif-12489	67	25	71	71	NUM
ejif-12489	67	26	papers	paper	NOUN
ejif-12489	67	27	address	address	VERB
ejif-12489	67	28	risk	risk	NOUN
ejif-12489	67	29	management	management	NOUN
ejif-12489	67	30	and	and	CCONJ
ejif-12489	67	31	governance	governance	NOUN
ejif-12489	67	32	(	(	PUNCT
ejif-12489	67	33	rohman	rohman	NOUN
ejif-12489	67	34	et	et	PROPN
ejif-12489	67	35	al	al	PROPN
ejif-12489	67	36	.	.	PROPN
ejif-12489	67	37	,	,	PUNCT
ejif-12489	67	38	2021	2021	NUM
ejif-12489	67	39	)	)	PUNCT
ejif-12489	67	40	.	.	PUNCT
ejif-12489	68	1	this	this	PRON
ejif-12489	68	2	demonstrates	demonstrate	VERB
ejif-12489	68	3	the	the	DET
ejif-12489	68	4	little	little	ADJ
ejif-12489	68	5	interest	interest	NOUN
ejif-12489	68	6	and	and	CCONJ
ejif-12489	68	7	attention	attention	NOUN
ejif-12489	68	8	imfis	imfis	NOUN
ejif-12489	68	9	have	have	VERB
ejif-12489	68	10	in	in	ADP
ejif-12489	68	11	risk	risk	NOUN
ejif-12489	68	12	management	management	NOUN
ejif-12489	68	13	methods	method	NOUN
ejif-12489	68	14	.	.	PUNCT
ejif-12489	69	1	meanwhile	meanwhile	ADV
ejif-12489	69	2	,	,	PUNCT
ejif-12489	69	3	it	it	PRON
ejif-12489	69	4	appears	appear	VERB
ejif-12489	69	5	to	to	PART
ejif-12489	69	6	contradict	contradict	VERB
ejif-12489	69	7	the	the	DET
ejif-12489	69	8	practice	practice	NOUN
ejif-12489	69	9	of	of	ADP
ejif-12489	69	10	risk	risk	NOUN
ejif-12489	69	11	management	management	NOUN
ejif-12489	69	12	,	,	PUNCT
ejif-12489	69	13	which	which	PRON
ejif-12489	69	14	is	be	AUX
ejif-12489	69	15	dominated	dominate	VERB
ejif-12489	69	16	by	by	ADP
ejif-12489	69	17	financial	financial	ADJ
ejif-12489	69	18	institutions	institution	NOUN
ejif-12489	69	19	or	or	CCONJ
ejif-12489	69	20	islamic	islamic	ADJ
ejif-12489	69	21	banks	bank	NOUN
ejif-12489	69	22	(	(	PUNCT
ejif-12489	69	23	al	al	PROPN
ejif-12489	69	24	mustofa	mustofa	PROPN
ejif-12489	69	25	et	et	PROPN
ejif-12489	69	26	al	al	PROPN
ejif-12489	69	27	.	.	PROPN
ejif-12489	69	28	,	,	PUNCT
ejif-12489	69	29	2025	2025	NUM
ejif-12489	69	30	;	;	PUNCT
ejif-12489	69	31	grira	grira	PROPN
ejif-12489	69	32	&	&	CCONJ
ejif-12489	69	33	labidi	labidi	PROPN
ejif-12489	69	34	,	,	PUNCT
ejif-12489	69	35	2021	2021	NUM
ejif-12489	69	36	;	;	PUNCT
ejif-12489	69	37	mustapha	mustapha	PROPN
ejif-12489	69	38	et	et	PROPN
ejif-12489	69	39	al	al	PROPN
ejif-12489	69	40	.	.	PROPN
ejif-12489	69	41	,	,	PUNCT
ejif-12489	69	42	2021	2021	NUM
ejif-12489	69	43	;	;	PUNCT
ejif-12489	70	1	riaz	riaz	PROPN
ejif-12489	70	2	et	et	PROPN
ejif-12489	70	3	al	al	PROPN
ejif-12489	70	4	.	.	PROPN
ejif-12489	70	5	,	,	PUNCT
ejif-12489	70	6	2025	2025	NUM
ejif-12489	70	7	;	;	PUNCT
ejif-12489	70	8	srairi	srairi	NOUN
ejif-12489	70	9	,	,	PUNCT
ejif-12489	70	10	2025	2025	NUM
ejif-12489	70	11	)	)	PUNCT
ejif-12489	70	12	.	.	PUNCT
ejif-12489	71	1	the	the	DET
ejif-12489	71	2	study	study	NOUN
ejif-12489	71	3	's	's	PART
ejif-12489	71	4	findings	finding	NOUN
ejif-12489	71	5	on	on	ADP
ejif-12489	71	6	imfis	imfis	ADJ
ejif-12489	71	7	’	'	PUNCT
ejif-12489	71	8	risk	risk	NOUN
ejif-12489	71	9	management	management	NOUN
ejif-12489	71	10	underline	underline	VERB
ejif-12489	71	11	the	the	DET
ejif-12489	71	12	importance	importance	NOUN
ejif-12489	71	13	of	of	ADP
ejif-12489	71	14	financial	financial	ADJ
ejif-12489	71	15	,	,	PUNCT
ejif-12489	71	16	operational	operational	ADJ
ejif-12489	71	17	/	/	SYM
ejif-12489	71	18	liquidity	liquidity	NOUN
ejif-12489	71	19	,	,	PUNCT
ejif-12489	71	20	and	and	CCONJ
ejif-12489	71	21	sharia	sharia	PROPN
ejif-12489	71	22	compliance	compliance	NOUN
ejif-12489	71	23	risks	risk	NOUN
ejif-12489	71	24	at	at	ADP
ejif-12489	71	25	the	the	DET
ejif-12489	71	26	corporate	corporate	ADJ
ejif-12489	71	27	operations	operation	NOUN
ejif-12489	71	28	level	level	NOUN
ejif-12489	71	29	.	.	PUNCT
ejif-12489	72	1	while	while	SCONJ
ejif-12489	72	2	the	the	DET
ejif-12489	72	3	failure	failure	NOUN
ejif-12489	72	4	and	and	CCONJ
ejif-12489	72	5	fraud	fraud	NOUN
ejif-12489	72	6	of	of	ADP
ejif-12489	72	7	bmt	bmt	NOUN
ejif-12489	72	8	,	,	PUNCT
ejif-12489	72	9	which	which	PRON
ejif-12489	72	10	is	be	AUX
ejif-12489	72	11	a	a	DET
ejif-12489	72	12	risk	risk	NOUN
ejif-12489	72	13	of	of	ADP
ejif-12489	72	14	non	non	ADJ
ejif-12489	72	15	-	-	NOUN
ejif-12489	72	16	compliance	compliance	NOUN
ejif-12489	72	17	with	with	ADP
ejif-12489	72	18	sharia	sharia	PROPN
ejif-12489	72	19	,	,	PUNCT
ejif-12489	72	20	must	must	AUX
ejif-12489	72	21	be	be	AUX
ejif-12489	72	22	assessed	assess	VERB
ejif-12489	72	23	considering	consider	VERB
ejif-12489	72	24	the	the	DET
ejif-12489	72	25	practice	practice	NOUN
ejif-12489	72	26	of	of	ADP
ejif-12489	72	27	fiqh	fiqh	PROPN
ejif-12489	72	28	muamalat	muamalat	NOUN
ejif-12489	72	29	,	,	PUNCT
ejif-12489	72	30	good	good	ADJ
ejif-12489	72	31	fiqh	fiqh	PROPN
ejif-12489	72	32	muamalat	muamalat	NOUN
ejif-12489	72	33	reduces	reduce	VERB
ejif-12489	72	34	the	the	DET
ejif-12489	72	35	practice	practice	NOUN
ejif-12489	72	36	of	of	ADP
ejif-12489	72	37	non	non	NOUN
ejif-12489	72	38	-	-	NOUN
ejif-12489	72	39	compliance	compliance	NOUN
ejif-12489	72	40	with	with	ADP
ejif-12489	72	41	sharia	sharia	PROPN
ejif-12489	72	42	,	,	PUNCT
ejif-12489	72	43	leading	lead	VERB
ejif-12489	72	44	to	to	ADP
ejif-12489	72	45	less	less	ADJ
ejif-12489	72	46	risk	risk	NOUN
ejif-12489	72	47	.	.	PUNCT
ejif-12489	73	1	previous	previous	ADJ
ejif-12489	73	2	investigations	investigation	NOUN
ejif-12489	73	3	have	have	AUX
ejif-12489	73	4	provided	provide	VERB
ejif-12489	73	5	only	only	ADV
ejif-12489	73	6	a	a	DET
ejif-12489	73	7	partial	partial	ADJ
ejif-12489	73	8	analysis	analysis	NOUN
ejif-12489	73	9	of	of	ADP
ejif-12489	73	10	risk	risk	NOUN
ejif-12489	73	11	management	management	NOUN
ejif-12489	73	12	,	,	PUNCT
ejif-12489	73	13	and	and	CCONJ
ejif-12489	73	14	none	none	NOUN
ejif-12489	73	15	have	have	AUX
ejif-12489	73	16	addressed	address	VERB
ejif-12489	73	17	the	the	DET
ejif-12489	73	18	use	use	NOUN
ejif-12489	73	19	of	of	ADP
ejif-12489	73	20	islamic	islamic	ADJ
ejif-12489	73	21	law	law	NOUN
ejif-12489	73	22	(	(	PUNCT
ejif-12489	73	23	fiqh	fiqh	NOUN
ejif-12489	73	24	muamalat	muamalat	NOUN
ejif-12489	73	25	)	)	PUNCT
ejif-12489	73	26	to	to	PART
ejif-12489	73	27	mitigate	mitigate	VERB
ejif-12489	73	28	sharia	sharia	PROPN
ejif-12489	73	29	compliance	compliance	NOUN
ejif-12489	73	30	risk	risk	NOUN
ejif-12489	73	31	.	.	PUNCT
ejif-12489	74	1	as	as	ADP
ejif-12489	74	2	a	a	DET
ejif-12489	74	3	result	result	NOUN
ejif-12489	74	4	,	,	PUNCT
ejif-12489	74	5	this	this	DET
ejif-12489	74	6	study	study	NOUN
ejif-12489	74	7	offers	offer	VERB
ejif-12489	74	8	a	a	DET
ejif-12489	74	9	fresh	fresh	ADJ
ejif-12489	74	10	and	and	CCONJ
ejif-12489	74	11	comprehensive	comprehensive	ADJ
ejif-12489	74	12	perspective	perspective	NOUN
ejif-12489	74	13	:	:	PUNCT
ejif-12489	74	14	the	the	DET
ejif-12489	74	15	integration	integration	NOUN
ejif-12489	74	16	of	of	ADP
ejif-12489	74	17	risk	risk	NOUN
ejif-12489	74	18	management	management	NOUN
ejif-12489	74	19	practice	practice	NOUN
ejif-12489	74	20	and	and	CCONJ
ejif-12489	74	21	islamic	islamic	ADJ
ejif-12489	74	22	law	law	NOUN
ejif-12489	74	23	(	(	PUNCT
ejif-12489	74	24	fiqh	fiqh	NOUN
ejif-12489	74	25	muamalat	muamalat	NOUN
ejif-12489	74	26	)	)	PUNCT
ejif-12489	74	27	as	as	ADP
ejif-12489	74	28	a	a	DET
ejif-12489	74	29	riskmitigation	riskmitigation	NOUN
ejif-12489	74	30	measure	measure	NOUN
ejif-12489	74	31	,	,	PUNCT
ejif-12489	74	32	which	which	PRON
ejif-12489	74	33	warrants	warrant	VERB
ejif-12489	74	34	further	far	ADV
ejif-12489	74	35	empirical	empirical	ADJ
ejif-12489	74	36	research	research	NOUN
ejif-12489	74	37	.	.	PUNCT
ejif-12489	75	1	it	it	PRON
ejif-12489	75	2	is	be	AUX
ejif-12489	75	3	also	also	ADV
ejif-12489	75	4	scientifically	scientifically	ADV
ejif-12489	75	5	proven	prove	VERB
ejif-12489	75	6	that	that	SCONJ
ejif-12489	75	7	effective	effective	ADJ
ejif-12489	75	8	risk	risk	NOUN
ejif-12489	75	9	management	management	NOUN
ejif-12489	75	10	practices	practice	NOUN
ejif-12489	75	11	boost	boost	VERB
ejif-12489	75	12	firm	firm	ADJ
ejif-12489	75	13	performance	performance	NOUN
ejif-12489	75	14	.	.	PUNCT
ejif-12489	76	1	consequently	consequently	ADV
ejif-12489	76	2	,	,	PUNCT
ejif-12489	76	3	the	the	DET
ejif-12489	76	4	purpose	purpose	NOUN
ejif-12489	76	5	of	of	ADP
ejif-12489	76	6	this	this	DET
ejif-12489	76	7	research	research	NOUN
ejif-12489	76	8	is	be	AUX
ejif-12489	76	9	to	to	PART
ejif-12489	76	10	investigate	investigate	VERB
ejif-12489	76	11	how	how	SCONJ
ejif-12489	76	12	risk	risk	NOUN
ejif-12489	76	13	management	management	NOUN
ejif-12489	76	14	practice	practice	NOUN
ejif-12489	76	15	and	and	CCONJ
ejif-12489	76	16	islamic	islamic	ADJ
ejif-12489	76	17	law	law	NOUN
ejif-12489	76	18	(	(	PUNCT
ejif-12489	76	19	fiqh	fiqh	NOUN
ejif-12489	76	20	muamalat	muamalat	NOUN
ejif-12489	76	21	)	)	PUNCT
ejif-12489	76	22	could	could	AUX
ejif-12489	76	23	assist	assist	VERB
ejif-12489	76	24	imfi	imfi	NOUN
ejif-12489	76	25	in	in	ADP
ejif-12489	76	26	improving	improve	VERB
ejif-12489	76	27	its	its	PRON
ejif-12489	76	28	performance	performance	NOUN
ejif-12489	76	29	.	.	PUNCT
ejif-12489	77	1	this	this	DET
ejif-12489	77	2	study	study	NOUN
ejif-12489	77	3	also	also	ADV
ejif-12489	77	4	makes	make	VERB
ejif-12489	77	5	a	a	DET
ejif-12489	77	6	more	more	ADJ
ejif-12489	77	7	in	in	ADP
ejif-12489	77	8	-	-	PUNCT
ejif-12489	77	9	depth	depth	NOUN
ejif-12489	77	10	contribution	contribution	NOUN
ejif-12489	77	11	by	by	ADP
ejif-12489	77	12	extending	extend	VERB
ejif-12489	77	13	academic	academic	ADJ
ejif-12489	77	14	literature	literature	NOUN
ejif-12489	77	15	on	on	ADP
ejif-12489	77	16	bmt	bmt	PROPN
ejif-12489	77	17	's	's	PART
ejif-12489	77	18	risk	risk	NOUN
ejif-12489	77	19	management	management	NOUN
ejif-12489	77	20	and	and	CCONJ
ejif-12489	77	21	fiqh	fiqh	NOUN
ejif-12489	77	22	muamalat	muamalat	NOUN
ejif-12489	77	23	practices	practice	NOUN
ejif-12489	77	24	.	.	PUNCT
ejif-12489	78	1	this	this	DET
ejif-12489	78	2	study	study	NOUN
ejif-12489	78	3	focuses	focus	VERB
ejif-12489	78	4	on	on	ADP
ejif-12489	78	5	bmt	bmt	PROPN
ejif-12489	78	6	ugt	ugt	PROPN
ejif-12489	78	7	nusantara	nusantara	PROPN
ejif-12489	78	8	,	,	PUNCT
ejif-12489	78	9	one	one	NUM
ejif-12489	78	10	of	of	ADP
ejif-12489	78	11	indonesia	indonesia	PROPN
ejif-12489	78	12	's	's	PART
ejif-12489	78	13	major	major	ADJ
ejif-12489	78	14	islamic	islamic	ADJ
ejif-12489	78	15	microfinance	microfinance	NOUN
ejif-12489	78	16	organizations	organization	NOUN
ejif-12489	78	17	with	with	ADP
ejif-12489	78	18	a	a	DET
ejif-12489	78	19	25	25	NUM
ejif-12489	78	20	-	-	PUNCT
ejif-12489	78	21	year	year	NOUN
ejif-12489	78	22	history	history	NOUN
ejif-12489	78	23	.	.	PUNCT
ejif-12489	79	1	bmt	bmt	VERB
ejif-12489	79	2	ugt	ugt	PROPN
ejif-12489	79	3	nusantara	nusantara	PROPN
ejif-12489	79	4	currently	currently	ADV
ejif-12489	79	5	has	have	VERB
ejif-12489	79	6	total	total	ADJ
ejif-12489	79	7	assets	asset	NOUN
ejif-12489	79	8	exceeding	exceed	VERB
ejif-12489	79	9	3	3	NUM
ejif-12489	79	10	trillion	trillion	NUM
ejif-12489	79	11	,	,	PUNCT
ejif-12489	79	12	over	over	ADP
ejif-12489	79	13	606,000	606,000	NUM
ejif-12489	79	14	members	member	NOUN
ejif-12489	79	15	,	,	PUNCT
ejif-12489	79	16	and	and	CCONJ
ejif-12489	79	17	298	298	NUM
ejif-12489	79	18	service	service	NOUN
ejif-12489	79	19	branches	branch	NOUN
ejif-12489	79	20	throughout	throughout	ADP
ejif-12489	79	21	indonesia	indonesia	PROPN
ejif-12489	79	22	.	.	PUNCT
ejif-12489	80	1	interestingly	interestingly	ADV
ejif-12489	80	2	,	,	PUNCT
ejif-12489	80	3	the	the	DET
ejif-12489	80	4	managers	manager	NOUN
ejif-12489	80	5	of	of	ADP
ejif-12489	80	6	bmt	bmt	PROPN
ejif-12489	80	7	ugt	ugt	PROPN
ejif-12489	80	8	nusantara	nusantara	PROPN
ejif-12489	80	9	generally	generally	ADV
ejif-12489	80	10	have	have	VERB
ejif-12489	80	11	only	only	ADV
ejif-12489	80	12	a	a	DET
ejif-12489	80	13	non	non	ADJ
ejif-12489	80	14	-	-	ADJ
ejif-12489	80	15	formal	formal	ADJ
ejif-12489	80	16	education	education	NOUN
ejif-12489	80	17	,	,	PUNCT
ejif-12489	80	18	specifically	specifically	ADV
ejif-12489	80	19	from	from	ADP
ejif-12489	80	20	sidogiri	sidogiri	NOUN
ejif-12489	80	21	islamic	islamic	ADJ
ejif-12489	80	22	boarding	boarding	PROPN
ejif-12489	80	23	school	school	NOUN
ejif-12489	80	24	in	in	ADP
ejif-12489	80	25	east	east	PROPN
ejif-12489	80	26	java	java	PROPN
ejif-12489	80	27	,	,	PUNCT
ejif-12489	80	28	indonesia	indonesia	PROPN
ejif-12489	80	29	.	.	PUNCT
ejif-12489	81	1	this	this	DET
ejif-12489	81	2	issue	issue	NOUN
ejif-12489	81	3	is	be	AUX
ejif-12489	81	4	significant	significant	ADJ
ejif-12489	81	5	due	due	ADJ
ejif-12489	81	6	to	to	PART
ejif-12489	81	7	bmt	bmt	VERB
ejif-12489	81	8	ugt	ugt	PROPN
ejif-12489	81	9	nusantara	nusantara	PROPN
ejif-12489	81	10	's	's	PART
ejif-12489	81	11	involvement	involvement	NOUN
ejif-12489	81	12	in	in	ADP
ejif-12489	81	13	reducing	reduce	VERB
ejif-12489	81	14	poverty	poverty	NOUN
ejif-12489	81	15	and	and	CCONJ
ejif-12489	81	16	enhancing	enhance	VERB
ejif-12489	81	17	family	family	NOUN
ejif-12489	81	18	,	,	PUNCT
ejif-12489	81	19	social	social	ADJ
ejif-12489	81	20	,	,	PUNCT
ejif-12489	81	21	and	and	CCONJ
ejif-12489	81	22	economic	economic	ADJ
ejif-12489	81	23	development	development	NOUN
ejif-12489	81	24	in	in	ADP
ejif-12489	81	25	indonesia	indonesia	PROPN
ejif-12489	81	26	.	.	PUNCT
ejif-12489	82	1	as	as	ADP
ejif-12489	82	2	a	a	DET
ejif-12489	82	3	result	result	NOUN
ejif-12489	82	4	,	,	PUNCT
ejif-12489	82	5	managers	manager	NOUN
ejif-12489	82	6	at	at	ADP
ejif-12489	82	7	bmt	bmt	PROPN
ejif-12489	82	8	ugt	ugt	PROPN
ejif-12489	82	9	nusantara	nusantara	PROPN
ejif-12489	82	10	must	must	AUX
ejif-12489	82	11	grasp	grasp	VERB
ejif-12489	82	12	risk	risk	NOUN
ejif-12489	82	13	management	management	NOUN
ejif-12489	82	14	and	and	CCONJ
ejif-12489	82	15	control	control	NOUN
ejif-12489	82	16	to	to	PART
ejif-12489	82	17	ensure	ensure	VERB
ejif-12489	82	18	continuity	continuity	NOUN
ejif-12489	82	19	and	and	CCONJ
ejif-12489	82	20	overcome	overcome	VERB
ejif-12489	82	21	future	future	ADJ
ejif-12489	82	22	uncertainties	uncertainty	NOUN
ejif-12489	82	23	.	.	PUNCT
ejif-12489	83	1	the	the	DET
ejif-12489	83	2	typology	typology	NOUN
ejif-12489	83	3	of	of	ADP
ejif-12489	83	4	risk	risk	NOUN
ejif-12489	83	5	management	management	NOUN
ejif-12489	83	6	practices	practice	NOUN
ejif-12489	83	7	and	and	CCONJ
ejif-12489	83	8	fiqh	fiqh	PROPN
ejif-12489	83	9	muamalat	muamalat	NOUN
ejif-12489	83	10	serves	serve	VERB
ejif-12489	83	11	as	as	ADP
ejif-12489	83	12	a	a	DET
ejif-12489	83	13	reference	reference	NOUN
ejif-12489	83	14	for	for	ADP
ejif-12489	83	15	shaping	shape	VERB
ejif-12489	83	16	indonesia	indonesia	PROPN
ejif-12489	83	17	's	's	PART
ejif-12489	83	18	bmt	bmt	ADJ
ejif-12489	83	19	operational	operational	ADJ
ejif-12489	83	20	environment	environment	NOUN
ejif-12489	83	21	.	.	PUNCT
ejif-12489	84	1	2	2	X
ejif-12489	84	2	.	.	X
ejif-12489	84	3	literature	literature	NOUN
ejif-12489	84	4	review	review	VERB
ejif-12489	84	5	2.1	2.1	NUM
ejif-12489	84	6	basic	basic	ADJ
ejif-12489	84	7	risk	risk	NOUN
ejif-12489	84	8	definitions	definition	NOUN
ejif-12489	84	9	risk	risk	NOUN
ejif-12489	84	10	definitions	definition	NOUN
ejif-12489	84	11	vary	vary	VERB
ejif-12489	84	12	significantly	significantly	ADV
ejif-12489	84	13	depending	depend	VERB
ejif-12489	84	14	on	on	ADP
ejif-12489	84	15	the	the	DET
ejif-12489	84	16	perspective	perspective	NOUN
ejif-12489	84	17	of	of	ADP
ejif-12489	84	18	specific	specific	ADJ
ejif-12489	84	19	scientific	scientific	ADJ
ejif-12489	84	20	disciplines	discipline	NOUN
ejif-12489	84	21	.	.	PUNCT
ejif-12489	85	1	in	in	ADP
ejif-12489	85	2	economics	economic	NOUN
ejif-12489	85	3	and	and	CCONJ
ejif-12489	85	4	finance	finance	NOUN
ejif-12489	85	5	,	,	PUNCT
ejif-12489	85	6	risk	risk	NOUN
ejif-12489	85	7	refers	refer	VERB
ejif-12489	85	8	to	to	ADP
ejif-12489	85	9	the	the	DET
ejif-12489	85	10	uncertainty	uncertainty	NOUN
ejif-12489	85	11	of	of	ADP
ejif-12489	85	12	future	future	ADJ
ejif-12489	85	13	consequences	consequence	NOUN
ejif-12489	85	14	with	with	ADP
ejif-12489	85	15	a	a	DET
ejif-12489	85	16	probability	probability	NOUN
ejif-12489	85	17	greater	great	ADJ
ejif-12489	85	18	than	than	ADP
ejif-12489	85	19	one	one	NUM
ejif-12489	85	20	and	and	CCONJ
ejif-12489	85	21	an	an	DET
ejif-12489	85	22	unknown	unknown	ADJ
ejif-12489	85	23	result	result	NOUN
ejif-12489	85	24	(	(	PUNCT
ejif-12489	85	25	bhatti	bhatti	PROPN
ejif-12489	85	26	&	&	CCONJ
ejif-12489	85	27	misman	misman	NOUN
ejif-12489	85	28	,	,	PUNCT
ejif-12489	85	29	2010	2010	NUM
ejif-12489	85	30	)	)	PUNCT
ejif-12489	85	31	,	,	PUNCT
ejif-12489	85	32	as	as	ADV
ejif-12489	85	33	well	well	ADV
ejif-12489	85	34	as	as	ADP
ejif-12489	85	35	the	the	DET
ejif-12489	85	36	likelihood	likelihood	NOUN
ejif-12489	85	37	of	of	ADP
ejif-12489	85	38	an	an	DET
ejif-12489	85	39	investment	investment	NOUN
ejif-12489	85	40	returning	return	VERB
ejif-12489	85	41	less	less	ADJ
ejif-12489	85	42	than	than	SCONJ
ejif-12489	85	43	predicted	predict	VERB
ejif-12489	85	44	(	(	PUNCT
ejif-12489	85	45	mohd	mohd	PROPN
ejif-12489	85	46	noor	noor	PROPN
ejif-12489	85	47	et	et	PROPN
ejif-12489	85	48	al	al	PROPN
ejif-12489	85	49	.	.	PROPN
ejif-12489	85	50	,	,	PUNCT
ejif-12489	85	51	2018	2018	NUM
ejif-12489	85	52	)	)	PUNCT
ejif-12489	85	53	.	.	PUNCT
ejif-12489	86	1	risks	risk	NOUN
ejif-12489	86	2	are	be	AUX
ejif-12489	86	3	also	also	ADV
ejif-12489	86	4	defined	define	VERB
ejif-12489	86	5	as	as	ADP
ejif-12489	86	6	the	the	DET
ejif-12489	86	7	likelihood	likelihood	NOUN
ejif-12489	86	8	of	of	ADP
ejif-12489	86	9	an	an	DET
ejif-12489	86	10	event	event	NOUN
ejif-12489	86	11	resulting	result	VERB
ejif-12489	86	12	in	in	ADP
ejif-12489	86	13	a	a	DET
ejif-12489	86	14	negative	negative	ADJ
ejif-12489	86	15	state	state	NOUN
ejif-12489	86	16	,	,	PUNCT
ejif-12489	86	17	allowing	allow	VERB
ejif-12489	86	18	the	the	DET
ejif-12489	86	19	value	value	NOUN
ejif-12489	86	20	of	of	ADP
ejif-12489	86	21	income	income	NOUN
ejif-12489	86	22	and	and	CCONJ
ejif-12489	86	23	assets	asset	NOUN
ejif-12489	86	24	to	to	PART
ejif-12489	86	25	drop	drop	VERB
ejif-12489	86	26	(	(	PUNCT
ejif-12489	86	27	manan	manan	PROPN
ejif-12489	86	28	&	&	CCONJ
ejif-12489	86	29	shafiai	shafiai	PROPN
ejif-12489	86	30	,	,	PUNCT
ejif-12489	86	31	2015	2015	NUM
ejif-12489	86	32	)	)	PUNCT
ejif-12489	86	33	.	.	PUNCT
ejif-12489	87	1	risk	risk	NOUN
ejif-12489	87	2	is	be	AUX
ejif-12489	87	3	defined	define	VERB
ejif-12489	87	4	as	as	ADP
ejif-12489	87	5	uncertainty	uncertainty	NOUN
ejif-12489	87	6	in	in	ADP
ejif-12489	87	7	decision	decision	NOUN
ejif-12489	87	8	-	-	PUNCT
ejif-12489	87	9	making	making	NOUN
ejif-12489	87	10	and	and	CCONJ
ejif-12489	87	11	the	the	DET
ejif-12489	87	12	probability	probability	NOUN
ejif-12489	87	13	of	of	ADP
ejif-12489	87	14	damage	damage	NOUN
ejif-12489	87	15	or	or	CCONJ
ejif-12489	87	16	negative	negative	ADJ
ejif-12489	87	17	impact	impact	NOUN
ejif-12489	87	18	resulting	result	VERB
ejif-12489	87	19	from	from	ADP
ejif-12489	87	20	an	an	DET
ejif-12489	87	21	unanticipated	unanticipated	ADJ
ejif-12489	87	22	situation	situation	NOUN
ejif-12489	87	23	(	(	PUNCT
ejif-12489	87	24	bouslama	bouslama	NOUN
ejif-12489	87	25	&	&	CCONJ
ejif-12489	87	26	lahrichi	lahrichi	PROPN
ejif-12489	87	27	,	,	PUNCT
ejif-12489	87	28	2017	2017	NUM
ejif-12489	87	29	)	)	PUNCT
ejif-12489	87	30	.	.	PUNCT
ejif-12489	88	1	risk	risk	NOUN
ejif-12489	88	2	definitions	definition	NOUN
ejif-12489	88	3	also	also	ADV
ejif-12489	88	4	encompass	encompass	VERB
ejif-12489	88	5	the	the	DET
ejif-12489	88	6	possibility	possibility	NOUN
ejif-12489	88	7	of	of	ADP
ejif-12489	88	8	losses	loss	NOUN
ejif-12489	88	9	,	,	PUNCT
ejif-12489	88	10	injuries	injury	NOUN
ejif-12489	88	11	,	,	PUNCT
ejif-12489	88	12	damage	damage	NOUN
ejif-12489	88	13	,	,	PUNCT
ejif-12489	88	14	or	or	CCONJ
ejif-12489	88	15	other	other	ADJ
ejif-12489	88	16	adverse	adverse	ADJ
ejif-12489	88	17	events	event	NOUN
ejif-12489	88	18	occurring	occur	VERB
ejif-12489	88	19	due	due	ADJ
ejif-12489	88	20	to	to	ADP
ejif-12489	88	21	external	external	ADJ
ejif-12489	88	22	or	or	CCONJ
ejif-12489	88	23	internal	internal	ADJ
ejif-12489	88	24	exposure	exposure	NOUN
ejif-12489	88	25	(	(	PUNCT
ejif-12489	88	26	akram	akram	PROPN
ejif-12489	88	27	&	&	CCONJ
ejif-12489	88	28	rahman	rahman	PROPN
ejif-12489	88	29	,	,	PUNCT
ejif-12489	88	30	2018	2018	NUM
ejif-12489	88	31	)	)	PUNCT
ejif-12489	88	32	.	.	PUNCT
ejif-12489	89	1	as	as	ADP
ejif-12489	89	2	a	a	DET
ejif-12489	89	3	result	result	NOUN
ejif-12489	89	4	,	,	PUNCT
ejif-12489	89	5	risk	risk	NOUN
ejif-12489	89	6	will	will	AUX
ejif-12489	89	7	significantly	significantly	ADV
ejif-12489	89	8	impede	impede	VERB
ejif-12489	89	9	the	the	DET
ejif-12489	89	10	imfi	imfi	NOUN
ejif-12489	89	11	's	's	PART
ejif-12489	89	12	ability	ability	NOUN
ejif-12489	89	13	to	to	PART
ejif-12489	89	14	achieve	achieve	VERB
ejif-12489	89	15	its	its	PRON
ejif-12489	89	16	objectives	objective	NOUN
ejif-12489	89	17	.	.	PUNCT
ejif-12489	90	1	if	if	SCONJ
ejif-12489	90	2	a	a	DET
ejif-12489	90	3	manager	manager	NOUN
ejif-12489	90	4	fails	fail	VERB
ejif-12489	90	5	to	to	PART
ejif-12489	90	6	handle	handle	VERB
ejif-12489	90	7	this	this	DET
ejif-12489	90	8	risk	risk	NOUN
ejif-12489	90	9	effectively	effectively	ADV
ejif-12489	90	10	,	,	PUNCT
ejif-12489	90	11	it	it	PRON
ejif-12489	90	12	will	will	AUX
ejif-12489	90	13	hurt	hurt	VERB
ejif-12489	90	14	performance	performance	NOUN
ejif-12489	90	15	and	and	CCONJ
ejif-12489	90	16	may	may	AUX
ejif-12489	90	17	lead	lead	VERB
ejif-12489	90	18	to	to	AUX
ejif-12489	90	19	imfi	imfi	VERB
ejif-12489	90	20	bankruptcy	bankruptcy	NOUN
ejif-12489	90	21	.	.	PUNCT
ejif-12489	91	1	according	accord	VERB
ejif-12489	91	2	to	to	ADP
ejif-12489	91	3	islamic	islamic	ADJ
ejif-12489	91	4	jurisprudence	jurisprudence	NOUN
ejif-12489	91	5	,	,	PUNCT
ejif-12489	91	6	there	there	PRON
ejif-12489	91	7	is	be	VERB
ejif-12489	91	8	a	a	DET
ejif-12489	91	9	proportional	proportional	ADJ
ejif-12489	91	10	link	link	NOUN
ejif-12489	91	11	between	between	ADP
ejif-12489	91	12	risks	risk	NOUN
ejif-12489	91	13	and	and	CCONJ
ejif-12489	91	14	returns	return	NOUN
ejif-12489	91	15	,	,	PUNCT
ejif-12489	91	16	which	which	PRON
ejif-12489	91	17	is	be	AUX
ejif-12489	91	18	combined	combine	VERB
ejif-12489	91	19	with	with	ADP
ejif-12489	91	20	the	the	DET
ejif-12489	91	21	restriction	restriction	NOUN
ejif-12489	91	22	on	on	ADP
ejif-12489	91	23	producing	produce	VERB
ejif-12489	91	24	without	without	ADP
ejif-12489	91	25	obligation	obligation	NOUN
ejif-12489	91	26	(	(	PUNCT
ejif-12489	91	27	al	al	PROPN
ejif-12489	91	28	-	-	PUNCT
ejif-12489	91	29	suwailem	suwailem	NOUN
ejif-12489	91	30	,	,	PUNCT
ejif-12489	91	31	2012	2012	NUM
ejif-12489	91	32	)	)	PUNCT
ejif-12489	91	33	.	.	PUNCT
ejif-12489	92	1	imfis	imfis	PROPN
ejif-12489	92	2	must	must	AUX
ejif-12489	92	3	sustain	sustain	VERB
ejif-12489	92	4	a	a	DET
ejif-12489	92	5	competitive	competitive	ADJ
ejif-12489	92	6	advantage	advantage	NOUN
ejif-12489	92	7	in	in	ADP
ejif-12489	92	8	the	the	DET
ejif-12489	92	9	face	face	NOUN
ejif-12489	92	10	of	of	ADP
ejif-12489	92	11	severe	severe	ADJ
ejif-12489	92	12	competition	competition	NOUN
ejif-12489	92	13	and	and	CCONJ
ejif-12489	92	14	numerous	numerous	ADJ
ejif-12489	92	15	threats	threat	NOUN
ejif-12489	92	16	by	by	ADP
ejif-12489	92	17	focusing	focus	VERB
ejif-12489	92	18	on	on	ADP
ejif-12489	92	19	efficiency	efficiency	NOUN
ejif-12489	92	20	and	and	CCONJ
ejif-12489	92	21	productivity	productivity	NOUN
ejif-12489	92	22	.	.	PUNCT
ejif-12489	93	1	as	as	ADP
ejif-12489	93	2	a	a	DET
ejif-12489	93	3	result	result	NOUN
ejif-12489	93	4	,	,	PUNCT
ejif-12489	93	5	imfis	imfis	PROPN
ejif-12489	93	6	must	must	AUX
ejif-12489	93	7	continue	continue	VERB
ejif-12489	93	8	to	to	PART
ejif-12489	93	9	define	define	VERB
ejif-12489	93	10	and	and	CCONJ
ejif-12489	93	11	identify	identify	VERB
ejif-12489	93	12	risks	risk	NOUN
ejif-12489	93	13	that	that	PRON
ejif-12489	93	14	arise	arise	VERB
ejif-12489	93	15	during	during	ADP
ejif-12489	93	16	their	their	PRON
ejif-12489	93	17	business	business	NOUN
ejif-12489	93	18	operations	operation	NOUN
ejif-12489	93	19	.	.	PUNCT
ejif-12489	94	1	generally	generally	ADV
ejif-12489	94	2	,	,	PUNCT
ejif-12489	94	3	financial	financial	ADJ
ejif-12489	94	4	institutions	institution	NOUN
ejif-12489	94	5	face	face	VERB
ejif-12489	94	6	both	both	CCONJ
ejif-12489	94	7	systematic	systematic	ADJ
ejif-12489	94	8	and	and	CCONJ
ejif-12489	94	9	non	non	ADJ
ejif-12489	94	10	-	-	ADJ
ejif-12489	94	11	systematic	systematic	ADJ
ejif-12489	94	12	risks	risk	NOUN
ejif-12489	94	13	(	(	PUNCT
ejif-12489	94	14	yurdakul	yurdakul	NOUN
ejif-12489	94	15	,	,	PUNCT
ejif-12489	94	16	2014	2014	NUM
ejif-12489	94	17	)	)	PUNCT
ejif-12489	94	18	.	.	PUNCT
ejif-12489	95	1	systematic	systematic	ADJ
ejif-12489	95	2	risk	risk	NOUN
ejif-12489	95	3	is	be	AUX
ejif-12489	95	4	a	a	DET
ejif-12489	95	5	business	business	NOUN
ejif-12489	95	6	risk	risk	NOUN
ejif-12489	95	7	that	that	PRON
ejif-12489	95	8	originates	originate	NOUN
ejif-12489	95	9	from	from	ADP
ejif-12489	95	10	outside	outside	ADJ
ejif-12489	95	11	sources	source	NOUN
ejif-12489	95	12	and	and	CCONJ
ejif-12489	95	13	can	can	AUX
ejif-12489	95	14	not	not	PART
ejif-12489	95	15	be	be	AUX
ejif-12489	95	16	controlled	control	VERB
ejif-12489	95	17	or	or	CCONJ
ejif-12489	95	18	removed	remove	VERB
ejif-12489	95	19	,	,	PUNCT
ejif-12489	95	20	but	but	CCONJ
ejif-12489	95	21	must	must	AUX
ejif-12489	95	22	be	be	AUX
ejif-12489	95	23	overcome	overcome	VERB
ejif-12489	95	24	.	.	PUNCT
ejif-12489	96	1	political	political	ADJ
ejif-12489	96	2	conditions	condition	NOUN
ejif-12489	96	3	,	,	PUNCT
ejif-12489	96	4	the	the	DET
ejif-12489	96	5	covid-19	covid-19	PROPN
ejif-12489	96	6	pandemic	pandemic	ADJ
ejif-12489	96	7	,	,	PUNCT
ejif-12489	96	8	market	market	NOUN
ejif-12489	96	9	shifts	shift	NOUN
ejif-12489	96	10	,	,	PUNCT
ejif-12489	96	11	exchange	exchange	NOUN
ejif-12489	96	12	rate	rate	NOUN
ejif-12489	96	13	fluctuations	fluctuation	NOUN
ejif-12489	96	14	,	,	PUNCT
ejif-12489	96	15	and	and	CCONJ
ejif-12489	96	16	other	other	ADJ
ejif-12489	96	17	macroeconomic	macroeconomic	ADJ
ejif-12489	96	18	developments	development	NOUN
ejif-12489	96	19	are	be	AUX
ejif-12489	96	20	all	all	PRON
ejif-12489	96	21	examples	example	NOUN
ejif-12489	96	22	.	.	PUNCT
ejif-12489	97	1	meanwhile	meanwhile	ADV
ejif-12489	97	2	,	,	PUNCT
ejif-12489	97	3	diversification	diversification	NOUN
ejif-12489	97	4	can	can	AUX
ejif-12489	97	5	help	help	VERB
ejif-12489	97	6	minimize	minimize	VERB
ejif-12489	97	7	non	non	ADJ
ejif-12489	97	8	-	-	ADJ
ejif-12489	97	9	systematic	systematic	ADJ
ejif-12489	97	10	risks	risk	NOUN
ejif-12489	97	11	,	,	PUNCT
ejif-12489	97	12	such	such	ADJ
ejif-12489	97	13	as	as	ADP
ejif-12489	97	14	operational	operational	ADJ
ejif-12489	97	15	,	,	PUNCT
ejif-12489	97	16	reputational	reputational	ADJ
ejif-12489	97	17	,	,	PUNCT
ejif-12489	97	18	and	and	CCONJ
ejif-12489	97	19	shariah	shariah	PROPN
ejif-12489	97	20	concerns	concern	NOUN
ejif-12489	97	21	(	(	PUNCT
ejif-12489	97	22	al	al	PROPN
ejif-12489	97	23	rahahleh	rahahleh	PROPN
ejif-12489	97	24	et	et	PROPN
ejif-12489	97	25	al	al	PROPN
ejif-12489	97	26	.	.	PROPN
ejif-12489	97	27	,	,	PUNCT
ejif-12489	97	28	2019	2019	NUM
ejif-12489	97	29	)	)	PUNCT
ejif-12489	97	30	.	.	PUNCT
ejif-12489	98	1	all	all	DET
ejif-12489	98	2	these	these	DET
ejif-12489	98	3	risks	risk	NOUN
ejif-12489	98	4	have	have	VERB
ejif-12489	98	5	a	a	DET
ejif-12489	98	6	detrimental	detrimental	ADJ
ejif-12489	98	7	impact	impact	NOUN
ejif-12489	98	8	on	on	ADP
ejif-12489	98	9	the	the	DET
ejif-12489	98	10	institution	institution	NOUN
ejif-12489	98	11	's	's	PART
ejif-12489	98	12	performance	performance	NOUN
ejif-12489	98	13	if	if	SCONJ
ejif-12489	98	14	they	they	PRON
ejif-12489	98	15	are	be	AUX
ejif-12489	98	16	not	not	PART
ejif-12489	98	17	appropriately	appropriately	ADV
ejif-12489	98	18	managed	manage	VERB
ejif-12489	98	19	.	.	PUNCT
ejif-12489	99	1	although	although	SCONJ
ejif-12489	99	2	it	it	PRON
ejif-12489	99	3	does	do	AUX
ejif-12489	99	4	not	not	PART
ejif-12489	99	5	rule	rule	VERB
ejif-12489	99	6	out	out	ADP
ejif-12489	99	7	other	other	ADJ
ejif-12489	99	8	sorts	sort	NOUN
ejif-12489	99	9	of	of	ADP
ejif-12489	99	10	risks	risk	NOUN
ejif-12489	99	11	,	,	PUNCT
ejif-12489	99	12	imfis	imfis	ADJ
ejif-12489	99	13	confront	confront	VERB
ejif-12489	99	14	the	the	DET
ejif-12489	99	15	most	most	ADV
ejif-12489	99	16	significant	significant	ADJ
ejif-12489	99	17	risks	risk	NOUN
ejif-12489	99	18	,	,	PUNCT
ejif-12489	99	19	which	which	PRON
ejif-12489	99	20	are	be	AUX
ejif-12489	99	21	funding	funding	NOUN
ejif-12489	99	22	,	,	PUNCT
ejif-12489	99	23	liquidity	liquidity	NOUN
ejif-12489	99	24	,	,	PUNCT
ejif-12489	99	25	and	and	CCONJ
ejif-12489	99	26	sharia	sharia	PROPN
ejif-12489	99	27	compliance	compliance	NOUN
ejif-12489	99	28	.	.	PUNCT
ejif-12489	100	1	according	accord	VERB
ejif-12489	100	2	to	to	ADP
ejif-12489	100	3	mutamimah	mutamimah	PROPN
ejif-12489	100	4	et	et	PROPN
ejif-12489	100	5	al	al	PROPN
ejif-12489	100	6	.	.	PROPN
ejif-12489	101	1	(	(	PUNCT
ejif-12489	101	2	2022	2022	NUM
ejif-12489	101	3	)	)	PUNCT
ejif-12489	101	4	,	,	PUNCT
ejif-12489	101	5	imfis	imfis	NOUN
ejif-12489	101	6	always	always	ADV
ejif-12489	101	7	anticipate	anticipate	VERB
ejif-12489	101	8	financing	financing	NOUN
ejif-12489	101	9	and	and	CCONJ
ejif-12489	101	10	european	european	ADJ
ejif-12489	101	11	journal	journal	PROPN
ejif-12489	101	12	of	of	ADP
ejif-12489	101	13	islamic	islamic	PROPN
ejif-12489	101	14	finance	finance	PROPN
ejif-12489	101	15	issn	issn	PROPN
ejif-12489	101	16	:	:	PUNCT
ejif-12489	101	17	2421	2421	NUM
ejif-12489	101	18	-	-	SYM
ejif-12489	101	19	2172	2172	NUM
ejif-12489	101	20	doi	doi	NOUN
ejif-12489	101	21	:	:	PUNCT
ejif-12489	101	22	10.13135/2421	10.13135/2421	NUM
ejif-12489	101	23	-	-	SYM
ejif-12489	101	24	2172/12489	2172/12489	NUM
ejif-12489	101	25	published	publish	VERB
ejif-12489	101	26	by	by	ADP
ejif-12489	101	27	university	university	PROPN
ejif-12489	101	28	of	of	ADP
ejif-12489	101	29	turin	turin	PROPN
ejif-12489	102	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	102	2	ejif	ejif	PROPN
ejif-12489	102	3	content	content	NOUN
ejif-12489	102	4	is	be	AUX
ejif-12489	102	5	licensed	license	VERB
ejif-12489	102	6	under	under	ADP
ejif-12489	102	7	a	a	DET
ejif-12489	102	8	creative	creative	ADJ
ejif-12489	102	9	commons	common	NOUN
ejif-12489	102	10	attribution	attribution	NOUN
ejif-12489	102	11	4.0	4.0	NUM
ejif-12489	102	12	international	international	ADJ
ejif-12489	102	13	license	license	NOUN
ejif-12489	102	14	20	20	NUM
ejif-12489	102	15	liquidity	liquidity	NOUN
ejif-12489	102	16	risks	risk	NOUN
ejif-12489	102	17	,	,	PUNCT
ejif-12489	102	18	as	as	SCONJ
ejif-12489	102	19	they	they	PRON
ejif-12489	102	20	have	have	VERB
ejif-12489	102	21	a	a	DET
ejif-12489	102	22	direct	direct	ADJ
ejif-12489	102	23	impact	impact	NOUN
ejif-12489	102	24	on	on	ADP
ejif-12489	102	25	financial	financial	ADJ
ejif-12489	102	26	performance	performance	NOUN
ejif-12489	102	27	and	and	CCONJ
ejif-12489	102	28	sustainability	sustainability	NOUN
ejif-12489	102	29	.	.	PUNCT
ejif-12489	103	1	in	in	ADP
ejif-12489	103	2	contrast	contrast	NOUN
ejif-12489	103	3	,	,	PUNCT
ejif-12489	103	4	sharia	sharia	PROPN
ejif-12489	103	5	compliance	compliance	NOUN
ejif-12489	103	6	risks	risk	NOUN
ejif-12489	103	7	are	be	AUX
ejif-12489	103	8	the	the	DET
ejif-12489	103	9	most	most	ADV
ejif-12489	103	10	common	common	ADJ
ejif-12489	103	11	and	and	CCONJ
ejif-12489	103	12	unique	unique	ADJ
ejif-12489	103	13	challenges	challenge	NOUN
ejif-12489	103	14	for	for	ADP
ejif-12489	103	15	imfis	imfis	NOUN
ejif-12489	103	16	.	.	PUNCT
ejif-12489	104	1	2.2	2.2	NUM
ejif-12489	104	2	risk	risk	NOUN
ejif-12489	104	3	management	management	NOUN
ejif-12489	104	4	of	of	ADP
ejif-12489	104	5	islamic	islamic	ADJ
ejif-12489	104	6	microfinance	microfinance	NOUN
ejif-12489	104	7	institutions	institution	NOUN
ejif-12489	104	8	islamic	islamic	ADJ
ejif-12489	104	9	microfinance	microfinance	NOUN
ejif-12489	104	10	institutions	institution	NOUN
ejif-12489	104	11	(	(	PUNCT
ejif-12489	104	12	imfis	imfis	NOUN
ejif-12489	104	13	)	)	PUNCT
ejif-12489	104	14	operate	operate	VERB
ejif-12489	104	15	differently	differently	ADV
ejif-12489	104	16	from	from	ADP
ejif-12489	104	17	conventional	conventional	ADJ
ejif-12489	104	18	ones	one	NOUN
ejif-12489	104	19	,	,	PUNCT
ejif-12489	104	20	as	as	SCONJ
ejif-12489	104	21	they	they	PRON
ejif-12489	104	22	employ	employ	VERB
ejif-12489	104	23	interest	interest	NOUN
ejif-12489	104	24	-	-	PUNCT
ejif-12489	104	25	free	free	ADJ
ejif-12489	104	26	systems	system	NOUN
ejif-12489	104	27	.	.	PUNCT
ejif-12489	105	1	imfis	imfis	PROPN
ejif-12489	105	2	serve	serve	VERB
ejif-12489	105	3	the	the	DET
ejif-12489	105	4	community	community	NOUN
ejif-12489	105	5	by	by	ADP
ejif-12489	105	6	providing	provide	VERB
ejif-12489	105	7	various	various	ADJ
ejif-12489	105	8	forms	form	NOUN
ejif-12489	105	9	of	of	ADP
ejif-12489	105	10	finance	finance	NOUN
ejif-12489	105	11	,	,	PUNCT
ejif-12489	105	12	including	include	VERB
ejif-12489	105	13	profit	profit	NOUN
ejif-12489	105	14	-	-	PUNCT
ejif-12489	105	15	sharing	share	VERB
ejif-12489	105	16	systems	system	NOUN
ejif-12489	105	17	,	,	PUNCT
ejif-12489	105	18	such	such	ADJ
ejif-12489	105	19	as	as	ADP
ejif-12489	105	20	buying	buying	NOUN
ejif-12489	105	21	and	and	CCONJ
ejif-12489	105	22	selling	selling	NOUN
ejif-12489	105	23	,	,	PUNCT
ejif-12489	105	24	leasing	leasing	NOUN
ejif-12489	105	25	,	,	PUNCT
ejif-12489	105	26	and	and	CCONJ
ejif-12489	105	27	interest	interest	NOUN
ejif-12489	105	28	-	-	PUNCT
ejif-12489	105	29	free	free	ADJ
ejif-12489	105	30	loans	loan	NOUN
ejif-12489	105	31	(	(	PUNCT
ejif-12489	105	32	mutamimah	mutamimah	NOUN
ejif-12489	105	33	et	et	PROPN
ejif-12489	105	34	al	al	PROPN
ejif-12489	105	35	.	.	PROPN
ejif-12489	105	36	,	,	PUNCT
ejif-12489	105	37	2022	2022	NUM
ejif-12489	105	38	)	)	PUNCT
ejif-12489	105	39	.	.	PUNCT
ejif-12489	106	1	as	as	ADP
ejif-12489	106	2	a	a	DET
ejif-12489	106	3	result	result	NOUN
ejif-12489	106	4	,	,	PUNCT
ejif-12489	106	5	imfis	imfis	PROPN
ejif-12489	106	6	have	have	VERB
ejif-12489	106	7	a	a	DET
ejif-12489	106	8	distinct	distinct	ADJ
ejif-12489	106	9	risk	risk	NOUN
ejif-12489	106	10	profile	profile	NOUN
ejif-12489	106	11	because	because	SCONJ
ejif-12489	106	12	the	the	DET
ejif-12489	106	13	risk	risk	NOUN
ejif-12489	106	14	is	be	AUX
ejif-12489	106	15	shared	share	VERB
ejif-12489	106	16	by	by	ADP
ejif-12489	106	17	the	the	DET
ejif-12489	106	18	imfis	imfis	NOUN
ejif-12489	106	19	and	and	CCONJ
ejif-12489	106	20	their	their	PRON
ejif-12489	106	21	clients	client	NOUN
ejif-12489	106	22	(	(	PUNCT
ejif-12489	106	23	wulandari	wulandari	X
ejif-12489	106	24	et	et	PROPN
ejif-12489	106	25	al	al	PROPN
ejif-12489	106	26	.	.	PROPN
ejif-12489	106	27	,	,	PUNCT
ejif-12489	106	28	2016	2016	NUM
ejif-12489	106	29	)	)	PUNCT
ejif-12489	106	30	.	.	PUNCT
ejif-12489	107	1	the	the	DET
ejif-12489	107	2	unique	unique	ADJ
ejif-12489	107	3	qualities	quality	NOUN
ejif-12489	107	4	and	and	CCONJ
ejif-12489	107	5	nature	nature	NOUN
ejif-12489	107	6	of	of	ADP
ejif-12489	107	7	imfis	imfis	NOUN
ejif-12489	107	8	,	,	PUNCT
ejif-12489	107	9	particularly	particularly	ADV
ejif-12489	107	10	the	the	DET
ejif-12489	107	11	profitsharing	profitshare	VERB
ejif-12489	107	12	system	system	NOUN
ejif-12489	107	13	approach	approach	NOUN
ejif-12489	107	14	,	,	PUNCT
ejif-12489	107	15	significantly	significantly	ADV
ejif-12489	107	16	alter	alter	VERB
ejif-12489	107	17	the	the	DET
ejif-12489	107	18	level	level	NOUN
ejif-12489	107	19	of	of	ADP
ejif-12489	107	20	risk	risk	NOUN
ejif-12489	107	21	they	they	PRON
ejif-12489	107	22	confront	confront	VERB
ejif-12489	107	23	because	because	SCONJ
ejif-12489	107	24	they	they	PRON
ejif-12489	107	25	deal	deal	VERB
ejif-12489	107	26	with	with	ADP
ejif-12489	107	27	various	various	ADJ
ejif-12489	107	28	goods	good	NOUN
ejif-12489	107	29	that	that	PRON
ejif-12489	107	30	are	be	AUX
ejif-12489	107	31	not	not	PART
ejif-12489	107	32	available	available	ADJ
ejif-12489	107	33	in	in	ADP
ejif-12489	107	34	conventional	conventional	ADJ
ejif-12489	107	35	financial	financial	ADJ
ejif-12489	107	36	institutions	institution	NOUN
ejif-12489	107	37	.	.	PUNCT
ejif-12489	108	1	furthermore	furthermore	ADV
ejif-12489	108	2	,	,	PUNCT
ejif-12489	108	3	imfis	imfis	ADJ
ejif-12489	108	4	manage	manage	NOUN
ejif-12489	108	5	risks	risk	NOUN
ejif-12489	108	6	associated	associate	VERB
ejif-12489	108	7	with	with	ADP
ejif-12489	108	8	unsecured	unsecured	ADJ
ejif-12489	108	9	loans	loan	NOUN
ejif-12489	108	10	,	,	PUNCT
ejif-12489	108	11	such	such	ADJ
ejif-12489	108	12	as	as	ADP
ejif-12489	108	13	qardhul	qardhul	PROPN
ejif-12489	108	14	hasan	hasan	PROPN
ejif-12489	108	15	,	,	PUNCT
ejif-12489	108	16	which	which	PRON
ejif-12489	108	17	carries	carry	VERB
ejif-12489	108	18	a	a	DET
ejif-12489	108	19	significantly	significantly	ADV
ejif-12489	108	20	greater	great	ADJ
ejif-12489	108	21	risk	risk	NOUN
ejif-12489	108	22	threshold	threshold	NOUN
ejif-12489	108	23	.	.	PUNCT
ejif-12489	109	1	indeed	indeed	ADV
ejif-12489	109	2	,	,	PUNCT
ejif-12489	109	3	many	many	ADJ
ejif-12489	109	4	muslim	muslim	ADJ
ejif-12489	109	5	clients	client	NOUN
ejif-12489	109	6	come	come	VERB
ejif-12489	109	7	from	from	ADP
ejif-12489	109	8	low	low	ADJ
ejif-12489	109	9	-	-	PUNCT
ejif-12489	109	10	income	income	NOUN
ejif-12489	109	11	families	family	NOUN
ejif-12489	109	12	that	that	PRON
ejif-12489	109	13	seek	seek	VERB
ejif-12489	109	14	islamic	islamic	ADJ
ejif-12489	109	15	financial	financial	ADJ
ejif-12489	109	16	services	service	NOUN
ejif-12489	109	17	(	(	PUNCT
ejif-12489	109	18	manan	manan	PROPN
ejif-12489	109	19	&	&	CCONJ
ejif-12489	109	20	shafiai	shafiai	PROPN
ejif-12489	109	21	,	,	PUNCT
ejif-12489	109	22	2015	2015	NUM
ejif-12489	109	23	)	)	PUNCT
ejif-12489	109	24	.	.	PUNCT
ejif-12489	110	1	the	the	DET
ejif-12489	110	2	risks	risk	NOUN
ejif-12489	110	3	in	in	ADP
ejif-12489	110	4	imfis	imfis	NOUN
ejif-12489	110	5	,	,	PUNCT
ejif-12489	110	6	if	if	SCONJ
ejif-12489	110	7	not	not	PART
ejif-12489	110	8	managed	manage	VERB
ejif-12489	110	9	appropriately	appropriately	ADV
ejif-12489	110	10	,	,	PUNCT
ejif-12489	110	11	will	will	AUX
ejif-12489	110	12	result	result	VERB
ejif-12489	110	13	in	in	ADP
ejif-12489	110	14	losses	loss	NOUN
ejif-12489	110	15	that	that	PRON
ejif-12489	110	16	adversely	adversely	ADV
ejif-12489	110	17	affect	affect	VERB
ejif-12489	110	18	health	health	NOUN
ejif-12489	110	19	.	.	PUNCT
ejif-12489	111	1	because	because	SCONJ
ejif-12489	111	2	each	each	DET
ejif-12489	111	3	imfi	imfi	NOUN
ejif-12489	111	4	has	have	VERB
ejif-12489	111	5	a	a	DET
ejif-12489	111	6	unique	unique	ADJ
ejif-12489	111	7	and	and	CCONJ
ejif-12489	111	8	sometimes	sometimes	ADV
ejif-12489	111	9	severe	severe	ADJ
ejif-12489	111	10	risk	risk	NOUN
ejif-12489	111	11	profile	profile	NOUN
ejif-12489	111	12	,	,	PUNCT
ejif-12489	111	13	it	it	PRON
ejif-12489	111	14	is	be	AUX
ejif-12489	111	15	critical	critical	ADJ
ejif-12489	111	16	that	that	SCONJ
ejif-12489	111	17	they	they	PRON
ejif-12489	111	18	adopt	adopt	VERB
ejif-12489	111	19	risk	risk	NOUN
ejif-12489	111	20	management	management	NOUN
ejif-12489	111	21	strategies	strategy	NOUN
ejif-12489	111	22	to	to	PART
ejif-12489	111	23	mitigate	mitigate	VERB
ejif-12489	111	24	any	any	DET
ejif-12489	111	25	existing	exist	VERB
ejif-12489	111	26	risks	risk	NOUN
ejif-12489	111	27	.	.	PUNCT
ejif-12489	112	1	risk	risk	NOUN
ejif-12489	112	2	management	management	NOUN
ejif-12489	112	3	is	be	AUX
ejif-12489	112	4	a	a	DET
ejif-12489	112	5	key	key	ADJ
ejif-12489	112	6	strategy	strategy	NOUN
ejif-12489	112	7	that	that	PRON
ejif-12489	112	8	financial	financial	ADJ
ejif-12489	112	9	institutions	institution	NOUN
ejif-12489	112	10	employ	employ	VERB
ejif-12489	112	11	to	to	PART
ejif-12489	112	12	mitigate	mitigate	VERB
ejif-12489	112	13	various	various	ADJ
ejif-12489	112	14	forms	form	NOUN
ejif-12489	112	15	of	of	ADP
ejif-12489	112	16	risk	risk	NOUN
ejif-12489	112	17	.	.	PUNCT
ejif-12489	113	1	islamic	islamic	ADJ
ejif-12489	113	2	microfinance	microfinance	NOUN
ejif-12489	113	3	institutions	institution	NOUN
ejif-12489	113	4	play	play	VERB
ejif-12489	113	5	a	a	DET
ejif-12489	113	6	crucial	crucial	ADJ
ejif-12489	113	7	role	role	NOUN
ejif-12489	113	8	in	in	ADP
ejif-12489	113	9	promoting	promote	VERB
ejif-12489	113	10	financial	financial	ADJ
ejif-12489	113	11	inclusion	inclusion	NOUN
ejif-12489	113	12	and	and	CCONJ
ejif-12489	113	13	poverty	poverty	NOUN
ejif-12489	113	14	eradication	eradication	NOUN
ejif-12489	113	15	initiatives	initiative	NOUN
ejif-12489	113	16	.	.	PUNCT
ejif-12489	114	1	the	the	DET
ejif-12489	114	2	source	source	NOUN
ejif-12489	114	3	of	of	ADP
ejif-12489	114	4	funds	fund	NOUN
ejif-12489	114	5	for	for	ADP
ejif-12489	114	6	the	the	DET
ejif-12489	114	7	impoverished	impoverished	ADJ
ejif-12489	114	8	presents	present	VERB
ejif-12489	114	9	a	a	DET
ejif-12489	114	10	significant	significant	ADJ
ejif-12489	114	11	difficulty	difficulty	NOUN
ejif-12489	114	12	for	for	ADP
ejif-12489	114	13	imfis	imfis	PROPN
ejif-12489	114	14	.	.	PUNCT
ejif-12489	115	1	limited	limited	ADJ
ejif-12489	115	2	financial	financial	ADJ
ejif-12489	115	3	access	access	NOUN
ejif-12489	115	4	restricts	restrict	VERB
ejif-12489	115	5	their	their	PRON
ejif-12489	115	6	potential	potential	NOUN
ejif-12489	115	7	to	to	PART
ejif-12489	115	8	serve	serve	VERB
ejif-12489	115	9	a	a	DET
ejif-12489	115	10	larger	large	ADJ
ejif-12489	115	11	segment	segment	NOUN
ejif-12489	115	12	of	of	ADP
ejif-12489	115	13	the	the	DET
ejif-12489	115	14	community	community	NOUN
ejif-12489	115	15	that	that	PRON
ejif-12489	115	16	requires	require	VERB
ejif-12489	115	17	financial	financial	ADJ
ejif-12489	115	18	services	service	NOUN
ejif-12489	115	19	(	(	PUNCT
ejif-12489	115	20	kassim	kassim	PROPN
ejif-12489	115	21	&	&	CCONJ
ejif-12489	115	22	rahman	rahman	PROPN
ejif-12489	115	23	,	,	PUNCT
ejif-12489	115	24	2018	2018	NUM
ejif-12489	115	25	)	)	PUNCT
ejif-12489	115	26	.	.	PUNCT
ejif-12489	116	1	furthermore	furthermore	ADV
ejif-12489	116	2	,	,	PUNCT
ejif-12489	116	3	the	the	DET
ejif-12489	116	4	quality	quality	NOUN
ejif-12489	116	5	of	of	ADP
ejif-12489	116	6	financial	financial	ADJ
ejif-12489	116	7	performance	performance	NOUN
ejif-12489	116	8	impacts	impact	VERB
ejif-12489	116	9	the	the	DET
ejif-12489	116	10	long	long	ADJ
ejif-12489	116	11	-	-	PUNCT
ejif-12489	116	12	term	term	NOUN
ejif-12489	116	13	viability	viability	NOUN
ejif-12489	116	14	of	of	ADP
ejif-12489	116	15	imfis	imfis	NOUN
ejif-12489	116	16	.	.	PUNCT
ejif-12489	117	1	as	as	ADP
ejif-12489	117	2	a	a	DET
ejif-12489	117	3	result	result	NOUN
ejif-12489	117	4	,	,	PUNCT
ejif-12489	117	5	filtering	filtering	NOUN
ejif-12489	117	6	is	be	AUX
ejif-12489	117	7	a	a	DET
ejif-12489	117	8	crucial	crucial	ADJ
ejif-12489	117	9	aspect	aspect	NOUN
ejif-12489	117	10	of	of	ADP
ejif-12489	117	11	risk	risk	NOUN
ejif-12489	117	12	management	management	NOUN
ejif-12489	117	13	,	,	PUNCT
ejif-12489	117	14	particularly	particularly	ADV
ejif-12489	117	15	for	for	ADP
ejif-12489	117	16	individuals	individual	NOUN
ejif-12489	117	17	from	from	ADP
ejif-12489	117	18	vulnerable	vulnerable	ADJ
ejif-12489	117	19	areas	area	NOUN
ejif-12489	117	20	(	(	PUNCT
ejif-12489	117	21	septianingsih	septianingsih	PROPN
ejif-12489	117	22	et	et	PROPN
ejif-12489	117	23	al	al	PROPN
ejif-12489	117	24	.	.	PROPN
ejif-12489	117	25	,	,	PUNCT
ejif-12489	117	26	2024	2024	NUM
ejif-12489	117	27	)	)	PUNCT
ejif-12489	117	28	.	.	PUNCT
ejif-12489	118	1	risk	risk	NOUN
ejif-12489	118	2	management	management	NOUN
ejif-12489	118	3	involves	involve	VERB
ejif-12489	118	4	identifying	identify	VERB
ejif-12489	118	5	risks	risk	NOUN
ejif-12489	118	6	,	,	PUNCT
ejif-12489	118	7	collecting	collect	VERB
ejif-12489	118	8	or	or	CCONJ
ejif-12489	118	9	combining	combine	VERB
ejif-12489	118	10	similar	similar	ADJ
ejif-12489	118	11	risks	risk	NOUN
ejif-12489	118	12	,	,	PUNCT
ejif-12489	118	13	assessing	assess	VERB
ejif-12489	118	14	them	they	PRON
ejif-12489	118	15	,	,	PUNCT
ejif-12489	118	16	controlling	control	VERB
ejif-12489	118	17	risks	risk	NOUN
ejif-12489	118	18	,	,	PUNCT
ejif-12489	118	19	and	and	CCONJ
ejif-12489	118	20	monitoring	monitor	VERB
ejif-12489	118	21	their	their	PRON
ejif-12489	118	22	progress	progress	NOUN
ejif-12489	118	23	(	(	PUNCT
ejif-12489	118	24	manan	manan	PROPN
ejif-12489	118	25	&	&	CCONJ
ejif-12489	118	26	shafiai	shafiai	PROPN
ejif-12489	118	27	,	,	PUNCT
ejif-12489	118	28	2015	2015	NUM
ejif-12489	118	29	)	)	PUNCT
ejif-12489	118	30	.	.	PUNCT
ejif-12489	119	1	risk	risk	NOUN
ejif-12489	119	2	management	management	NOUN
ejif-12489	119	3	in	in	ADP
ejif-12489	119	4	financial	financial	ADJ
ejif-12489	119	5	institutions	institution	NOUN
ejif-12489	119	6	aims	aim	VERB
ejif-12489	119	7	to	to	PART
ejif-12489	119	8	enhance	enhance	VERB
ejif-12489	119	9	future	future	ADJ
ejif-12489	119	10	financial	financial	ADJ
ejif-12489	119	11	performance	performance	NOUN
ejif-12489	119	12	and	and	CCONJ
ejif-12489	119	13	sustainability	sustainability	NOUN
ejif-12489	119	14	(	(	PUNCT
ejif-12489	119	15	kiptoo	kiptoo	PROPN
ejif-12489	119	16	et	et	PROPN
ejif-12489	119	17	al	al	PROPN
ejif-12489	119	18	.	.	PROPN
ejif-12489	119	19	,	,	PUNCT
ejif-12489	119	20	2021	2021	NUM
ejif-12489	119	21	)	)	PUNCT
ejif-12489	119	22	.	.	PUNCT
ejif-12489	120	1	long	long	ADJ
ejif-12489	120	2	-	-	PUNCT
ejif-12489	120	3	term	term	NOUN
ejif-12489	120	4	sustainability	sustainability	NOUN
ejif-12489	120	5	is	be	AUX
ejif-12489	120	6	a	a	DET
ejif-12489	120	7	challenge	challenge	NOUN
ejif-12489	120	8	for	for	ADP
ejif-12489	120	9	imfis	imfis	NOUN
ejif-12489	120	10	since	since	SCONJ
ejif-12489	120	11	it	it	PRON
ejif-12489	120	12	promotes	promote	VERB
ejif-12489	120	13	economic	economic	ADJ
ejif-12489	120	14	empowerment	empowerment	NOUN
ejif-12489	120	15	and	and	CCONJ
ejif-12489	120	16	boosts	boost	VERB
ejif-12489	120	17	community	community	NOUN
ejif-12489	120	18	income	income	NOUN
ejif-12489	120	19	and	and	CCONJ
ejif-12489	120	20	welfare	welfare	NOUN
ejif-12489	120	21	(	(	PUNCT
ejif-12489	120	22	abdul	abdul	PROPN
ejif-12489	120	23	rahman	rahman	PROPN
ejif-12489	120	24	&	&	CCONJ
ejif-12489	120	25	dean	dean	PROPN
ejif-12489	120	26	,	,	PUNCT
ejif-12489	120	27	2013	2013	NUM
ejif-12489	120	28	)	)	PUNCT
ejif-12489	120	29	.	.	PUNCT
ejif-12489	121	1	the	the	DET
ejif-12489	121	2	preceding	precede	VERB
ejif-12489	121	3	discussion	discussion	NOUN
ejif-12489	121	4	demonstrates	demonstrate	VERB
ejif-12489	121	5	the	the	DET
ejif-12489	121	6	relevance	relevance	NOUN
ejif-12489	121	7	of	of	ADP
ejif-12489	121	8	risk	risk	NOUN
ejif-12489	121	9	management	management	NOUN
ejif-12489	121	10	for	for	ADP
ejif-12489	121	11	imfis	imfis	NOUN
ejif-12489	121	12	in	in	ADP
ejif-12489	121	13	improving	improve	VERB
ejif-12489	121	14	their	their	PRON
ejif-12489	121	15	efficiency	efficiency	NOUN
ejif-12489	121	16	for	for	ADP
ejif-12489	121	17	the	the	DET
ejif-12489	121	18	benefit	benefit	NOUN
ejif-12489	121	19	of	of	ADP
ejif-12489	121	20	the	the	DET
ejif-12489	121	21	larger	large	ADJ
ejif-12489	121	22	community	community	NOUN
ejif-12489	121	23	.	.	PUNCT
ejif-12489	122	1	studies	study	NOUN
ejif-12489	122	2	on	on	ADP
ejif-12489	122	3	risk	risk	NOUN
ejif-12489	122	4	management	management	NOUN
ejif-12489	122	5	in	in	ADP
ejif-12489	122	6	imfis	imfis	NOUN
ejif-12489	122	7	have	have	AUX
ejif-12489	122	8	primarily	primarily	ADV
ejif-12489	122	9	focused	focus	VERB
ejif-12489	122	10	on	on	ADP
ejif-12489	122	11	operational	operational	ADJ
ejif-12489	122	12	issues	issue	NOUN
ejif-12489	122	13	(	(	PUNCT
ejif-12489	122	14	kassim	kassim	PROPN
ejif-12489	122	15	&	&	CCONJ
ejif-12489	122	16	rahman	rahman	PROPN
ejif-12489	122	17	,	,	PUNCT
ejif-12489	122	18	2018	2018	NUM
ejif-12489	122	19	;	;	PUNCT
ejif-12489	122	20	mutamimah	mutamimah	PROPN
ejif-12489	122	21	et	et	PROPN
ejif-12489	122	22	al	al	PROPN
ejif-12489	122	23	.	.	PROPN
ejif-12489	122	24	,	,	PUNCT
ejif-12489	122	25	2022	2022	NUM
ejif-12489	122	26	;	;	PUNCT
ejif-12489	122	27	rozzani	rozzani	PROPN
ejif-12489	122	28	et	et	PROPN
ejif-12489	122	29	al	al	PROPN
ejif-12489	122	30	.	.	PROPN
ejif-12489	122	31	,	,	PUNCT
ejif-12489	122	32	2017	2017	NUM
ejif-12489	122	33	;	;	PUNCT
ejif-12489	122	34	wafi	wafi	PROPN
ejif-12489	122	35	&	&	CCONJ
ejif-12489	122	36	muhammad	muhammad	PROPN
ejif-12489	122	37	,	,	PUNCT
ejif-12489	122	38	2023	2023	NUM
ejif-12489	122	39	)	)	PUNCT
ejif-12489	122	40	and	and	CCONJ
ejif-12489	122	41	have	have	AUX
ejif-12489	122	42	not	not	PART
ejif-12489	122	43	included	include	VERB
ejif-12489	122	44	fiqh	fiqh	NOUN
ejif-12489	122	45	muamalat	muamalat	NOUN
ejif-12489	122	46	as	as	ADP
ejif-12489	122	47	a	a	DET
ejif-12489	122	48	risk	risk	NOUN
ejif-12489	122	49	mitigation	mitigation	NOUN
ejif-12489	122	50	strategy	strategy	NOUN
ejif-12489	122	51	.	.	PUNCT
ejif-12489	123	1	as	as	ADP
ejif-12489	123	2	a	a	DET
ejif-12489	123	3	result	result	NOUN
ejif-12489	123	4	,	,	PUNCT
ejif-12489	123	5	the	the	DET
ejif-12489	123	6	focus	focus	NOUN
ejif-12489	123	7	of	of	ADP
ejif-12489	123	8	this	this	DET
ejif-12489	123	9	research	research	NOUN
ejif-12489	123	10	is	be	AUX
ejif-12489	123	11	on	on	ADP
ejif-12489	123	12	integrating	integrate	VERB
ejif-12489	123	13	risk	risk	NOUN
ejif-12489	123	14	management	management	NOUN
ejif-12489	123	15	practices	practice	NOUN
ejif-12489	123	16	with	with	ADP
ejif-12489	123	17	fiqh	fiqh	PROPN
ejif-12489	123	18	muamalat	muamalat	NOUN
ejif-12489	123	19	in	in	ADP
ejif-12489	123	20	islamic	islamic	ADJ
ejif-12489	123	21	financial	financial	ADJ
ejif-12489	123	22	institutions	institution	NOUN
ejif-12489	123	23	.	.	PUNCT
ejif-12489	124	1	2.3	2.3	NUM
ejif-12489	124	2	practice	practice	NOUN
ejif-12489	124	3	of	of	ADP
ejif-12489	124	4	fiqh	fiqh	PROPN
ejif-12489	124	5	muamalat	muamalat	NOUN
ejif-12489	124	6	in	in	ADP
ejif-12489	124	7	risk	risk	NOUN
ejif-12489	124	8	management	management	NOUN
ejif-12489	124	9	the	the	DET
ejif-12489	124	10	identity	identity	NOUN
ejif-12489	124	11	of	of	ADP
ejif-12489	124	12	islamic	islamic	ADJ
ejif-12489	124	13	financial	financial	ADJ
ejif-12489	124	14	institutions	institution	NOUN
ejif-12489	124	15	is	be	AUX
ejif-12489	124	16	said	say	VERB
ejif-12489	124	17	to	to	PART
ejif-12489	124	18	be	be	AUX
ejif-12489	124	19	a	a	DET
ejif-12489	124	20	unique	unique	ADJ
ejif-12489	124	21	financial	financial	ADJ
ejif-12489	124	22	system	system	NOUN
ejif-12489	124	23	,	,	PUNCT
ejif-12489	124	24	using	use	VERB
ejif-12489	124	25	at	at	ADV
ejif-12489	124	26	least	least	ADV
ejif-12489	124	27	five	five	NUM
ejif-12489	124	28	religious	religious	ADJ
ejif-12489	124	29	features	feature	NOUN
ejif-12489	124	30	that	that	PRON
ejif-12489	124	31	distinguish	distinguish	VERB
ejif-12489	124	32	them	they	PRON
ejif-12489	124	33	from	from	ADP
ejif-12489	124	34	conventional	conventional	ADJ
ejif-12489	124	35	financial	financial	ADJ
ejif-12489	124	36	institutions	institution	NOUN
ejif-12489	124	37	:	:	PUNCT
ejif-12489	124	38	the	the	DET
ejif-12489	124	39	prohibition	prohibition	NOUN
ejif-12489	124	40	of	of	ADP
ejif-12489	124	41	usury	usury	NOUN
ejif-12489	124	42	,	,	PUNCT
ejif-12489	124	43	paying	pay	VERB
ejif-12489	124	44	attention	attention	NOUN
ejif-12489	124	45	to	to	ADP
ejif-12489	124	46	illicit	illicit	ADJ
ejif-12489	124	47	,	,	PUNCT
ejif-12489	124	48	halal	halal	NOUN
ejif-12489	124	49	,	,	PUNCT
ejif-12489	124	50	gharar	gharar	NOUN
ejif-12489	124	51	(	(	PUNCT
ejif-12489	124	52	speculative	speculative	ADJ
ejif-12489	124	53	)	)	PUNCT
ejif-12489	124	54	,	,	PUNCT
ejif-12489	124	55	or	or	CCONJ
ejif-12489	124	56	maysir	maysir	NOUN
ejif-12489	124	57	(	(	PUNCT
ejif-12489	124	58	gambling	gambling	NOUN
ejif-12489	124	59	)	)	PUNCT
ejif-12489	124	60	,	,	PUNCT
ejif-12489	124	61	implementing	implement	VERB
ejif-12489	124	62	zakat	zakat	NOUN
ejif-12489	124	63	(	(	PUNCT
ejif-12489	124	64	the	the	DET
ejif-12489	124	65	prescribed	prescribed	ADJ
ejif-12489	124	66	purifying	purifying	NOUN
ejif-12489	124	67	alms	alm	NOUN
ejif-12489	124	68	)	)	PUNCT
ejif-12489	124	69	,	,	PUNCT
ejif-12489	124	70	and	and	CCONJ
ejif-12489	124	71	the	the	DET
ejif-12489	124	72	existence	existence	NOUN
ejif-12489	124	73	of	of	ADP
ejif-12489	124	74	the	the	DET
ejif-12489	124	75	sharia	sharia	PROPN
ejif-12489	124	76	council	council	PROPN
ejif-12489	124	77	(	(	PUNCT
ejif-12489	124	78	sharia	sharia	PROPN
ejif-12489	124	79	board	board	PROPN
ejif-12489	124	80	)	)	PUNCT
ejif-12489	124	81	(	(	PUNCT
ejif-12489	124	82	el	el	PROPN
ejif-12489	124	83	-	-	PROPN
ejif-12489	124	84	gamal	gamal	PROPN
ejif-12489	124	85	,	,	PUNCT
ejif-12489	124	86	2006	2006	NUM
ejif-12489	124	87	;	;	PUNCT
ejif-12489	124	88	lewis	lewis	PROPN
ejif-12489	124	89	&	&	CCONJ
ejif-12489	124	90	algaoud	algaoud	PROPN
ejif-12489	124	91	,	,	PUNCT
ejif-12489	124	92	2001	2001	NUM
ejif-12489	124	93	)	)	PUNCT
ejif-12489	124	94	.	.	PUNCT
ejif-12489	125	1	the	the	DET
ejif-12489	125	2	operating	operate	VERB
ejif-12489	125	3	premise	premise	NOUN
ejif-12489	125	4	of	of	ADP
ejif-12489	125	5	these	these	DET
ejif-12489	125	6	islamic	islamic	ADJ
ejif-12489	125	7	financial	financial	ADJ
ejif-12489	125	8	organizations	organization	NOUN
ejif-12489	125	9	is	be	AUX
ejif-12489	125	10	to	to	PART
ejif-12489	125	11	promote	promote	VERB
ejif-12489	125	12	a	a	DET
ejif-12489	125	13	just	just	ADJ
ejif-12489	125	14	society	society	NOUN
ejif-12489	125	15	,	,	PUNCT
ejif-12489	125	16	minimize	minimize	VERB
ejif-12489	125	17	exploitation	exploitation	NOUN
ejif-12489	125	18	,	,	PUNCT
ejif-12489	125	19	and	and	CCONJ
ejif-12489	125	20	emphasize	emphasize	VERB
ejif-12489	125	21	the	the	DET
ejif-12489	125	22	principles	principle	NOUN
ejif-12489	125	23	of	of	ADP
ejif-12489	125	24	collaboration	collaboration	NOUN
ejif-12489	125	25	and	and	CCONJ
ejif-12489	125	26	brotherhood	brotherhood	NOUN
ejif-12489	125	27	.	.	PUNCT
ejif-12489	126	1	this	this	DET
ejif-12489	126	2	laudable	laudable	ADJ
ejif-12489	126	3	goal	goal	NOUN
ejif-12489	126	4	can	can	AUX
ejif-12489	126	5	only	only	ADV
ejif-12489	126	6	be	be	AUX
ejif-12489	126	7	achieved	achieve	VERB
ejif-12489	126	8	by	by	ADP
ejif-12489	126	9	adhering	adhere	VERB
ejif-12489	126	10	to	to	ADP
ejif-12489	126	11	the	the	DET
ejif-12489	126	12	strict	strict	ADJ
ejif-12489	126	13	sharia	sharia	PROPN
ejif-12489	126	14	norms	norm	NOUN
ejif-12489	126	15	and	and	CCONJ
ejif-12489	126	16	applying	apply	VERB
ejif-12489	126	17	fiqh	fiqh	NOUN
ejif-12489	126	18	muamalat	muamalat	NOUN
ejif-12489	126	19	(	(	PUNCT
ejif-12489	126	20	z.	z.	PROPN
ejif-12489	126	21	iqbal	iqbal	PROPN
ejif-12489	126	22	&	&	CCONJ
ejif-12489	126	23	mirakhor	mirakhor	PROPN
ejif-12489	126	24	,	,	PUNCT
ejif-12489	126	25	2011	2011	NUM
ejif-12489	126	26	)	)	PUNCT
ejif-12489	126	27	.	.	PUNCT
ejif-12489	127	1	from	from	ADP
ejif-12489	127	2	another	another	DET
ejif-12489	127	3	perspective	perspective	NOUN
ejif-12489	127	4	,	,	PUNCT
ejif-12489	127	5	the	the	DET
ejif-12489	127	6	purpose	purpose	NOUN
ejif-12489	127	7	of	of	ADP
ejif-12489	127	8	sharia	sharia	PROPN
ejif-12489	127	9	in	in	ADP
ejif-12489	127	10	the	the	DET
ejif-12489	127	11	islamic	islamic	ADJ
ejif-12489	127	12	financial	financial	ADJ
ejif-12489	127	13	system	system	NOUN
ejif-12489	127	14	is	be	AUX
ejif-12489	127	15	to	to	PART
ejif-12489	127	16	direct	direct	VERB
ejif-12489	127	17	humans	human	NOUN
ejif-12489	127	18	away	away	ADV
ejif-12489	127	19	from	from	ADP
ejif-12489	127	20	the	the	DET
ejif-12489	127	21	homo	homo	NOUN
ejif-12489	127	22	economicus	economicus	NOUN
ejif-12489	127	23	style	style	NOUN
ejif-12489	127	24	,	,	PUNCT
ejif-12489	127	25	which	which	PRON
ejif-12489	127	26	is	be	AUX
ejif-12489	127	27	synonymous	synonymous	ADJ
ejif-12489	127	28	with	with	ADP
ejif-12489	127	29	obtaining	obtain	VERB
ejif-12489	127	30	material	material	NOUN
ejif-12489	127	31	benefits	benefit	NOUN
ejif-12489	127	32	,	,	PUNCT
ejif-12489	127	33	and	and	CCONJ
ejif-12489	127	34	toward	toward	ADP
ejif-12489	127	35	the	the	DET
ejif-12489	127	36	homo	homo	NOUN
ejif-12489	127	37	islamicus	islamicus	NOUN
ejif-12489	127	38	,	,	PUNCT
ejif-12489	127	39	which	which	PRON
ejif-12489	127	40	is	be	AUX
ejif-12489	127	41	based	base	VERB
ejif-12489	127	42	on	on	ADP
ejif-12489	127	43	morals	moral	NOUN
ejif-12489	127	44	and	and	CCONJ
ejif-12489	127	45	ethics	ethic	NOUN
ejif-12489	127	46	and	and	CCONJ
ejif-12489	127	47	avoids	avoid	VERB
ejif-12489	127	48	greed	greed	NOUN
ejif-12489	127	49	and	and	CCONJ
ejif-12489	127	50	consumerism	consumerism	NOUN
ejif-12489	127	51	(	(	PUNCT
ejif-12489	127	52	audretsch	audretsch	INTJ
ejif-12489	127	53	et	et	PROPN
ejif-12489	127	54	al	al	PROPN
ejif-12489	127	55	.	.	PROPN
ejif-12489	127	56	,	,	PUNCT
ejif-12489	127	57	2007	2007	NUM
ejif-12489	127	58	;	;	PUNCT
ejif-12489	127	59	gümüsay	gümüsay	PROPN
ejif-12489	127	60	,	,	PUNCT
ejif-12489	127	61	2015	2015	NUM
ejif-12489	127	62	;	;	PUNCT
ejif-12489	127	63	mohamed	mohamed	PROPN
ejif-12489	127	64	aslam	aslam	PROPN
ejif-12489	127	65	haneef	haneef	PROPN
ejif-12489	127	66	,	,	PUNCT
ejif-12489	127	67	1995	1995	NUM
ejif-12489	127	68	)	)	PUNCT
ejif-12489	127	69	.	.	PUNCT
ejif-12489	128	1	the	the	DET
ejif-12489	128	2	use	use	NOUN
ejif-12489	128	3	of	of	ADP
ejif-12489	128	4	fiqh	fiqh	PROPN
ejif-12489	128	5	muamalat	muamalat	NOUN
ejif-12489	128	6	in	in	ADP
ejif-12489	128	7	islamic	islamic	ADJ
ejif-12489	128	8	financial	financial	ADJ
ejif-12489	128	9	institutions	institution	NOUN
ejif-12489	128	10	must	must	AUX
ejif-12489	128	11	adhere	adhere	VERB
ejif-12489	128	12	to	to	ADP
ejif-12489	128	13	islamic	islamic	ADJ
ejif-12489	128	14	law	law	NOUN
ejif-12489	128	15	in	in	ADP
ejif-12489	128	16	numerous	numerous	ADJ
ejif-12489	128	17	ways	way	NOUN
ejif-12489	128	18	(	(	PUNCT
ejif-12489	128	19	muhammad	muhammad	NOUN
ejif-12489	128	20	,	,	PUNCT
ejif-12489	128	21	2020	2020	NUM
ejif-12489	128	22	)	)	PUNCT
ejif-12489	128	23	.	.	PUNCT
ejif-12489	129	1	first	first	ADV
ejif-12489	129	2	,	,	PUNCT
ejif-12489	129	3	the	the	DET
ejif-12489	129	4	law	law	NOUN
ejif-12489	129	5	governing	govern	VERB
ejif-12489	129	6	the	the	DET
ejif-12489	129	7	marketed	market	VERB
ejif-12489	129	8	product	product	NOUN
ejif-12489	129	9	must	must	AUX
ejif-12489	129	10	be	be	AUX
ejif-12489	129	11	based	base	VERB
ejif-12489	129	12	on	on	ADP
ejif-12489	129	13	sharia	sharia	PROPN
ejif-12489	129	14	(	(	PUNCT
ejif-12489	129	15	al	al	PROPN
ejif-12489	129	16	-	-	PUNCT
ejif-12489	129	17	muamalah	muamalah	PROPN
ejif-12489	129	18	al	al	PROPN
ejif-12489	129	19	-	-	PUNCT
ejif-12489	129	20	madiyah	madiyah	NOUN
ejif-12489	129	21	)	)	PUNCT
ejif-12489	129	22	;	;	PUNCT
ejif-12489	129	23	second	second	X
ejif-12489	129	24	,	,	PUNCT
ejif-12489	129	25	the	the	DET
ejif-12489	129	26	transaction	transaction	NOUN
ejif-12489	129	27	procedure	procedure	NOUN
ejif-12489	129	28	must	must	AUX
ejif-12489	129	29	also	also	ADV
ejif-12489	129	30	be	be	AUX
ejif-12489	129	31	based	base	VERB
ejif-12489	129	32	on	on	ADP
ejif-12489	129	33	sharia	sharia	PROPN
ejif-12489	129	34	(	(	PUNCT
ejif-12489	129	35	al	al	PROPN
ejif-12489	129	36	-	-	PUNCT
ejif-12489	129	37	muamalah	muamalah	PROPN
ejif-12489	129	38	al	al	PROPN
ejif-12489	129	39	-	-	NOUN
ejif-12489	129	40	adabiyah	adabiyah	NOUN
ejif-12489	129	41	)	)	PUNCT
ejif-12489	129	42	;	;	PUNCT
ejif-12489	129	43	and	and	CCONJ
ejif-12489	129	44	third	third	ADV
ejif-12489	129	45	,	,	PUNCT
ejif-12489	129	46	the	the	DET
ejif-12489	129	47	purpose	purpose	NOUN
ejif-12489	129	48	must	must	AUX
ejif-12489	129	49	be	be	AUX
ejif-12489	129	50	sharia	sharia	NOUN
ejif-12489	129	51	-	-	PUNCT
ejif-12489	129	52	compliant	compliant	NOUN
ejif-12489	129	53	(	(	PUNCT
ejif-12489	129	54	almaqashid	almaqashid	PROPN
ejif-12489	129	55	al	al	PROPN
ejif-12489	129	56	-	-	PUNCT
ejif-12489	129	57	sharia	sharia	PROPN
ejif-12489	129	58	)	)	PUNCT
ejif-12489	129	59	.	.	PUNCT
ejif-12489	130	1	compliance	compliance	NOUN
ejif-12489	130	2	with	with	ADP
ejif-12489	130	3	sharia	sharia	PROPN
ejif-12489	130	4	in	in	ADP
ejif-12489	130	5	various	various	ADJ
ejif-12489	130	6	instances	instance	NOUN
ejif-12489	130	7	ensures	ensure	VERB
ejif-12489	130	8	that	that	SCONJ
ejif-12489	130	9	every	every	DET
ejif-12489	130	10	financial	financial	ADJ
ejif-12489	130	11	transaction	transaction	NOUN
ejif-12489	130	12	adheres	adhere	VERB
ejif-12489	130	13	to	to	ADP
ejif-12489	130	14	sharia	sharia	PROPN
ejif-12489	130	15	principles	principle	NOUN
ejif-12489	130	16	,	,	PUNCT
ejif-12489	130	17	thereby	thereby	ADV
ejif-12489	130	18	lowering	lower	VERB
ejif-12489	130	19	risk	risk	NOUN
ejif-12489	130	20	.	.	PUNCT
ejif-12489	131	1	sharia	sharia	PROPN
ejif-12489	131	2	compliance	compliance	NOUN
ejif-12489	131	3	is	be	AUX
ejif-12489	131	4	not	not	PART
ejif-12489	131	5	only	only	ADV
ejif-12489	131	6	required	require	VERB
ejif-12489	131	7	for	for	ADP
ejif-12489	131	8	company	company	NOUN
ejif-12489	131	9	operational	operational	ADJ
ejif-12489	131	10	processes	process	NOUN
ejif-12489	131	11	in	in	ADP
ejif-12489	131	12	islamic	islamic	ADJ
ejif-12489	131	13	financial	financial	ADJ
ejif-12489	131	14	institutions	institution	NOUN
ejif-12489	131	15	,	,	PUNCT
ejif-12489	131	16	but	but	CCONJ
ejif-12489	131	17	it	it	PRON
ejif-12489	131	18	must	must	AUX
ejif-12489	131	19	also	also	ADV
ejif-12489	131	20	be	be	AUX
ejif-12489	131	21	ingrained	ingrain	VERB
ejif-12489	131	22	in	in	ADP
ejif-12489	131	23	the	the	DET
ejif-12489	131	24	workplace	workplace	NOUN
ejif-12489	131	25	culture	culture	NOUN
ejif-12489	131	26	.	.	PUNCT
ejif-12489	132	1	that	that	PRON
ejif-12489	132	2	is	be	AUX
ejif-12489	132	3	,	,	PUNCT
ejif-12489	132	4	fiqh	fiqh	PROPN
ejif-12489	132	5	muamalat	muamalat	NOUN
ejif-12489	132	6	must	must	AUX
ejif-12489	132	7	be	be	AUX
ejif-12489	132	8	observed	observe	VERB
ejif-12489	132	9	in	in	ADP
ejif-12489	132	10	daily	daily	ADJ
ejif-12489	132	11	traditions	tradition	NOUN
ejif-12489	132	12	as	as	ADV
ejif-12489	132	13	well	well	ADV
ejif-12489	132	14	as	as	ADP
ejif-12489	132	15	organizational	organizational	ADJ
ejif-12489	132	16	habits	habit	NOUN
ejif-12489	132	17	,	,	PUNCT
ejif-12489	132	18	rather	rather	ADV
ejif-12489	132	19	than	than	SCONJ
ejif-12489	132	20	only	only	ADV
ejif-12489	132	21	being	be	AUX
ejif-12489	132	22	specified	specify	VERB
ejif-12489	132	23	in	in	ADP
ejif-12489	132	24	the	the	DET
ejif-12489	132	25	company	company	NOUN
ejif-12489	132	26	's	's	PART
ejif-12489	132	27	standard	standard	ADJ
ejif-12489	132	28	rules	rule	NOUN
ejif-12489	132	29	framework	framework	NOUN
ejif-12489	132	30	.	.	PUNCT
ejif-12489	133	1	practicing	practice	VERB
ejif-12489	133	2	fiqh	fiqh	NOUN
ejif-12489	133	3	muamalat	muamalat	NOUN
ejif-12489	133	4	correctly	correctly	ADV
ejif-12489	133	5	and	and	CCONJ
ejif-12489	133	6	ethically	ethically	ADV
ejif-12489	133	7	ensures	ensure	VERB
ejif-12489	133	8	that	that	SCONJ
ejif-12489	133	9	business	business	NOUN
ejif-12489	133	10	transactions	transaction	NOUN
ejif-12489	133	11	are	be	AUX
ejif-12489	133	12	halal	halal	NOUN
ejif-12489	133	13	and	and	CCONJ
ejif-12489	133	14	avoids	avoid	VERB
ejif-12489	133	15	the	the	DET
ejif-12489	133	16	possibility	possibility	NOUN
ejif-12489	133	17	of	of	ADP
ejif-12489	133	18	deviations	deviation	NOUN
ejif-12489	133	19	in	in	ADP
ejif-12489	133	20	sharia	sharia	PROPN
ejif-12489	133	21	compliance	compliance	NOUN
ejif-12489	133	22	and	and	CCONJ
ejif-12489	133	23	value	value	NOUN
ejif-12489	133	24	.	.	PUNCT
ejif-12489	134	1	as	as	ADP
ejif-12489	134	2	a	a	DET
ejif-12489	134	3	result	result	NOUN
ejif-12489	134	4	,	,	PUNCT
ejif-12489	134	5	imfis	imfis	PROPN
ejif-12489	134	6	have	have	VERB
ejif-12489	134	7	an	an	DET
ejif-12489	134	8	interest	interest	NOUN
ejif-12489	134	9	in	in	ADP
ejif-12489	134	10	maintaining	maintain	VERB
ejif-12489	134	11	the	the	DET
ejif-12489	134	12	simultaneous	simultaneous	ADJ
ejif-12489	134	13	practice	practice	NOUN
ejif-12489	134	14	of	of	ADP
ejif-12489	134	15	fiqh	fiqh	PROPN
ejif-12489	134	16	muamalat	muamalat	NOUN
ejif-12489	134	17	and	and	CCONJ
ejif-12489	134	18	risk	risk	NOUN
ejif-12489	134	19	management	management	NOUN
ejif-12489	134	20	since	since	SCONJ
ejif-12489	134	21	they	they	PRON
ejif-12489	134	22	mutually	mutually	ADV
ejif-12489	134	23	support	support	VERB
ejif-12489	134	24	one	one	NUM
ejif-12489	134	25	another	another	DET
ejif-12489	134	26	.	.	PUNCT
ejif-12489	135	1	european	european	PROPN
ejif-12489	135	2	journal	journal	PROPN
ejif-12489	135	3	of	of	ADP
ejif-12489	135	4	islamic	islamic	PROPN
ejif-12489	135	5	finance	finance	PROPN
ejif-12489	135	6	issn	issn	PROPN
ejif-12489	135	7	:	:	PUNCT
ejif-12489	135	8	2421	2421	NUM
ejif-12489	135	9	-	-	SYM
ejif-12489	135	10	2172	2172	NUM
ejif-12489	135	11	doi	doi	NOUN
ejif-12489	135	12	:	:	PUNCT
ejif-12489	135	13	10.13135/2421	10.13135/2421	NUM
ejif-12489	135	14	-	-	SYM
ejif-12489	135	15	2172/12489	2172/12489	NUM
ejif-12489	135	16	published	publish	VERB
ejif-12489	135	17	by	by	ADP
ejif-12489	135	18	university	university	PROPN
ejif-12489	135	19	of	of	ADP
ejif-12489	135	20	turin	turin	PROPN
ejif-12489	136	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	136	2	ejif	ejif	PROPN
ejif-12489	136	3	content	content	NOUN
ejif-12489	136	4	is	be	AUX
ejif-12489	136	5	licensed	license	VERB
ejif-12489	136	6	under	under	ADP
ejif-12489	136	7	a	a	DET
ejif-12489	136	8	creative	creative	ADJ
ejif-12489	136	9	commons	common	NOUN
ejif-12489	136	10	attribution	attribution	NOUN
ejif-12489	136	11	4.0	4.0	NUM
ejif-12489	136	12	international	international	ADJ
ejif-12489	136	13	license	license	NOUN
ejif-12489	136	14	21	21	NUM
ejif-12489	136	15	3	3	NUM
ejif-12489	136	16	.	.	PUNCT
ejif-12489	136	17	methodology	methodology	NOUN
ejif-12489	136	18	3.1	3.1	NUM
ejif-12489	136	19	research	research	NOUN
ejif-12489	136	20	design	design	NOUN
ejif-12489	136	21	this	this	DET
ejif-12489	136	22	study	study	NOUN
ejif-12489	136	23	aims	aim	VERB
ejif-12489	136	24	to	to	PART
ejif-12489	136	25	describe	describe	VERB
ejif-12489	136	26	the	the	DET
ejif-12489	136	27	practice	practice	NOUN
ejif-12489	136	28	of	of	ADP
ejif-12489	136	29	risk	risk	NOUN
ejif-12489	136	30	management	management	NOUN
ejif-12489	136	31	and	and	CCONJ
ejif-12489	136	32	fiqh	fiqh	NOUN
ejif-12489	136	33	muamalat	muamalat	NOUN
ejif-12489	136	34	in	in	ADP
ejif-12489	136	35	islamic	islamic	ADJ
ejif-12489	136	36	microfinance	microfinance	NOUN
ejif-12489	136	37	institutions	institution	NOUN
ejif-12489	136	38	through	through	ADP
ejif-12489	136	39	a	a	DET
ejif-12489	136	40	series	series	NOUN
ejif-12489	136	41	of	of	ADP
ejif-12489	136	42	in	in	ADP
ejif-12489	136	43	-	-	PUNCT
ejif-12489	136	44	depth	depth	NOUN
ejif-12489	136	45	inquiries	inquiry	NOUN
ejif-12489	136	46	.	.	PUNCT
ejif-12489	137	1	the	the	DET
ejif-12489	137	2	descriptive	descriptive	ADJ
ejif-12489	137	3	exploratory	exploratory	ADJ
ejif-12489	137	4	technique	technique	NOUN
ejif-12489	137	5	is	be	AUX
ejif-12489	137	6	utilized	utilize	VERB
ejif-12489	137	7	to	to	PART
ejif-12489	137	8	capture	capture	VERB
ejif-12489	137	9	the	the	DET
ejif-12489	137	10	breadth	breadth	NOUN
ejif-12489	137	11	of	of	ADP
ejif-12489	137	12	individual	individual	ADJ
ejif-12489	137	13	backgrounds	background	NOUN
ejif-12489	137	14	(	(	PUNCT
ejif-12489	137	15	brink	brink	NOUN
ejif-12489	137	16	&	&	CCONJ
ejif-12489	137	17	wood	wood	PROPN
ejif-12489	137	18	,	,	PUNCT
ejif-12489	137	19	1998	1998	NUM
ejif-12489	137	20	;	;	PUNCT
ejif-12489	137	21	merriam	merriam	PROPN
ejif-12489	137	22	,	,	PUNCT
ejif-12489	137	23	2009	2009	NUM
ejif-12489	137	24	)	)	PUNCT
ejif-12489	137	25	.	.	PUNCT
ejif-12489	138	1	we	we	PRON
ejif-12489	138	2	employ	employ	VERB
ejif-12489	138	3	a	a	DET
ejif-12489	138	4	holistic	holistic	ADJ
ejif-12489	138	5	single	single	ADJ
ejif-12489	138	6	-	-	PUNCT
ejif-12489	138	7	case	case	NOUN
ejif-12489	138	8	approach	approach	NOUN
ejif-12489	138	9	(	(	PUNCT
ejif-12489	138	10	yin	yin	PROPN
ejif-12489	138	11	,	,	PUNCT
ejif-12489	138	12	2014	2014	NUM
ejif-12489	138	13	)	)	PUNCT
ejif-12489	138	14	to	to	PART
ejif-12489	138	15	explain	explain	VERB
ejif-12489	138	16	the	the	DET
ejif-12489	138	17	practice	practice	NOUN
ejif-12489	138	18	of	of	ADP
ejif-12489	138	19	risk	risk	NOUN
ejif-12489	138	20	management	management	NOUN
ejif-12489	138	21	and	and	CCONJ
ejif-12489	138	22	fiqh	fiqh	NOUN
ejif-12489	138	23	muamalat	muamalat	NOUN
ejif-12489	138	24	,	,	PUNCT
ejif-12489	138	25	while	while	SCONJ
ejif-12489	138	26	focusing	focus	VERB
ejif-12489	138	27	on	on	ADP
ejif-12489	138	28	a	a	DET
ejif-12489	138	29	narrow	narrow	ADJ
ejif-12489	138	30	yet	yet	ADV
ejif-12489	138	31	in	in	ADP
ejif-12489	138	32	-	-	PUNCT
ejif-12489	138	33	depth	depth	NOUN
ejif-12489	138	34	site	site	NOUN
ejif-12489	138	35	to	to	PART
ejif-12489	138	36	arrive	arrive	VERB
ejif-12489	138	37	at	at	ADP
ejif-12489	138	38	a	a	DET
ejif-12489	138	39	specific	specific	ADJ
ejif-12489	138	40	notion	notion	NOUN
ejif-12489	138	41	.	.	PUNCT
ejif-12489	139	1	furthermore	furthermore	ADV
ejif-12489	139	2	,	,	PUNCT
ejif-12489	139	3	the	the	DET
ejif-12489	139	4	case	case	NOUN
ejif-12489	139	5	study	study	NOUN
ejif-12489	139	6	approach	approach	NOUN
ejif-12489	139	7	is	be	AUX
ejif-12489	139	8	ideal	ideal	ADJ
ejif-12489	139	9	for	for	ADP
ejif-12489	139	10	capturing	capture	VERB
ejif-12489	139	11	the	the	DET
ejif-12489	139	12	wealth	wealth	NOUN
ejif-12489	139	13	of	of	ADP
ejif-12489	139	14	individual	individual	ADJ
ejif-12489	139	15	backgrounds	background	NOUN
ejif-12489	139	16	that	that	PRON
ejif-12489	139	17	are	be	AUX
ejif-12489	139	18	too	too	ADV
ejif-12489	139	19	complex	complex	ADJ
ejif-12489	139	20	to	to	PART
ejif-12489	139	21	investigate	investigate	VERB
ejif-12489	139	22	through	through	ADP
ejif-12489	139	23	surveys	survey	NOUN
ejif-12489	139	24	or	or	CCONJ
ejif-12489	139	25	studies	study	NOUN
ejif-12489	139	26	.	.	PUNCT
ejif-12489	140	1	the	the	DET
ejif-12489	140	2	research	research	NOUN
ejif-12489	140	3	locus	locus	NOUN
ejif-12489	140	4	must	must	AUX
ejif-12489	140	5	be	be	AUX
ejif-12489	140	6	unique	unique	ADJ
ejif-12489	140	7	to	to	PART
ejif-12489	140	8	meet	meet	VERB
ejif-12489	140	9	the	the	DET
ejif-12489	140	10	parameters	parameter	NOUN
ejif-12489	140	11	required	require	VERB
ejif-12489	140	12	for	for	ADP
ejif-12489	140	13	case	case	NOUN
ejif-12489	140	14	study	study	NOUN
ejif-12489	140	15	research	research	NOUN
ejif-12489	140	16	(	(	PUNCT
ejif-12489	140	17	yin	yin	PROPN
ejif-12489	140	18	,	,	PUNCT
ejif-12489	140	19	2014	2014	NUM
ejif-12489	140	20	)	)	PUNCT
ejif-12489	140	21	.	.	PUNCT
ejif-12489	141	1	therefore	therefore	ADV
ejif-12489	141	2	,	,	PUNCT
ejif-12489	141	3	the	the	DET
ejif-12489	141	4	focus	focus	NOUN
ejif-12489	141	5	of	of	ADP
ejif-12489	141	6	this	this	DET
ejif-12489	141	7	study	study	NOUN
ejif-12489	141	8	was	be	AUX
ejif-12489	141	9	on	on	ADP
ejif-12489	141	10	bmt	bmt	PROPN
ejif-12489	141	11	ugt	ugt	PROPN
ejif-12489	141	12	nusantara	nusantara	PROPN
ejif-12489	141	13	,	,	PUNCT
ejif-12489	141	14	indonesia	indonesia	PROPN
ejif-12489	141	15	,	,	PUNCT
ejif-12489	141	16	because	because	SCONJ
ejif-12489	141	17	it	it	PRON
ejif-12489	141	18	fulfills	fulfill	VERB
ejif-12489	141	19	these	these	DET
ejif-12489	141	20	criteria	criterion	NOUN
ejif-12489	141	21	.	.	PUNCT
ejif-12489	142	1	first	first	ADV
ejif-12489	142	2	,	,	PUNCT
ejif-12489	142	3	bmt	bmt	VERB
ejif-12489	142	4	ugt	ugt	PROPN
ejif-12489	142	5	nusantara	nusantara	PROPN
ejif-12489	142	6	is	be	AUX
ejif-12489	142	7	one	one	NUM
ejif-12489	142	8	of	of	ADP
ejif-12489	142	9	the	the	DET
ejif-12489	142	10	largest	large	ADJ
ejif-12489	142	11	islamic	islamic	ADJ
ejif-12489	142	12	microfinance	microfinance	NOUN
ejif-12489	142	13	institutions	institution	NOUN
ejif-12489	142	14	(	(	PUNCT
ejif-12489	142	15	imfis	imfis	PROPN
ejif-12489	142	16	)	)	PUNCT
ejif-12489	142	17	in	in	ADP
ejif-12489	142	18	indonesia	indonesia	PROPN
ejif-12489	142	19	,	,	PUNCT
ejif-12489	142	20	with	with	ADP
ejif-12489	142	21	298	298	NUM
ejif-12489	142	22	units	unit	NOUN
ejif-12489	142	23	and	and	CCONJ
ejif-12489	142	24	offices	office	NOUN
ejif-12489	142	25	nationwide	nationwide	ADJ
ejif-12489	142	26	.	.	PUNCT
ejif-12489	143	1	second	second	ADJ
ejif-12489	143	2	,	,	PUNCT
ejif-12489	143	3	bmt	bmt	VERB
ejif-12489	143	4	ugt	ugt	PROPN
ejif-12489	143	5	nusantara	nusantara	NOUN
ejif-12489	143	6	is	be	AUX
ejif-12489	143	7	run	run	VERB
ejif-12489	143	8	by	by	ADP
ejif-12489	143	9	students	student	NOUN
ejif-12489	143	10	and	and	CCONJ
ejif-12489	143	11	alumni	alumnus	NOUN
ejif-12489	143	12	of	of	ADP
ejif-12489	143	13	sidogiri	sidogiri	NOUN
ejif-12489	143	14	islamic	islamic	ADJ
ejif-12489	143	15	boarding	boarding	PROPN
ejif-12489	143	16	school	school	NOUN
ejif-12489	143	17	and	and	CCONJ
ejif-12489	143	18	other	other	ADJ
ejif-12489	143	19	islamic	islamic	ADJ
ejif-12489	143	20	boarding	boarding	NOUN
ejif-12489	143	21	schools	school	NOUN
ejif-12489	143	22	who	who	PRON
ejif-12489	143	23	do	do	AUX
ejif-12489	143	24	not	not	PART
ejif-12489	143	25	have	have	VERB
ejif-12489	143	26	university	university	NOUN
ejif-12489	143	27	education	education	NOUN
ejif-12489	143	28	qualifications	qualification	NOUN
ejif-12489	143	29	.	.	PUNCT
ejif-12489	144	1	third	third	ADJ
ejif-12489	144	2	,	,	PUNCT
ejif-12489	144	3	bmt	bmt	VERB
ejif-12489	144	4	ugt	ugt	PROPN
ejif-12489	144	5	nusantara	nusantara	PROPN
ejif-12489	144	6	was	be	AUX
ejif-12489	144	7	named	name	VERB
ejif-12489	144	8	the	the	DET
ejif-12489	144	9	pilot	pilot	NOUN
ejif-12489	144	10	and	and	CCONJ
ejif-12489	144	11	referral	referral	ADJ
ejif-12489	144	12	imfi	imfi	NOUN
ejif-12489	144	13	for	for	ADP
ejif-12489	144	14	islamic	islamic	ADJ
ejif-12489	144	15	boarding	boarding	NOUN
ejif-12489	144	16	schools	school	NOUN
ejif-12489	144	17	in	in	ADP
ejif-12489	144	18	indonesia	indonesia	PROPN
ejif-12489	144	19	.	.	PROPN
ejif-12489	145	1	3.2	3.2	NUM
ejif-12489	145	2	data	datum	NOUN
ejif-12489	145	3	collection	collection	NOUN
ejif-12489	145	4	we	we	PRON
ejif-12489	145	5	collect	collect	VERB
ejif-12489	145	6	primary	primary	ADJ
ejif-12489	145	7	data	datum	NOUN
ejif-12489	145	8	through	through	ADP
ejif-12489	145	9	in	in	ADP
ejif-12489	145	10	-	-	PUNCT
ejif-12489	145	11	depth	depth	NOUN
ejif-12489	145	12	interviews	interview	NOUN
ejif-12489	145	13	using	use	VERB
ejif-12489	145	14	previously	previously	ADV
ejif-12489	145	15	prepared	prepare	VERB
ejif-12489	145	16	interview	interview	NOUN
ejif-12489	145	17	protocol	protocol	NOUN
ejif-12489	145	18	guidelines	guideline	NOUN
ejif-12489	145	19	,	,	PUNCT
ejif-12489	145	20	field	field	NOUN
ejif-12489	145	21	observations	observation	NOUN
ejif-12489	145	22	,	,	PUNCT
ejif-12489	145	23	focus	focus	NOUN
ejif-12489	145	24	group	group	NOUN
ejif-12489	145	25	discussions	discussion	NOUN
ejif-12489	145	26	,	,	PUNCT
ejif-12489	145	27	and	and	CCONJ
ejif-12489	145	28	document	document	NOUN
ejif-12489	145	29	reviews	review	NOUN
ejif-12489	145	30	(	(	PUNCT
ejif-12489	145	31	sekaran	sekaran	NOUN
ejif-12489	145	32	&	&	CCONJ
ejif-12489	145	33	bougie	bougie	NOUN
ejif-12489	145	34	,	,	PUNCT
ejif-12489	145	35	2016	2016	NUM
ejif-12489	145	36	;	;	PUNCT
ejif-12489	145	37	yin	yin	PROPN
ejif-12489	145	38	,	,	PUNCT
ejif-12489	145	39	2014	2014	NUM
ejif-12489	145	40	)	)	PUNCT
ejif-12489	145	41	.	.	PUNCT
ejif-12489	146	1	we	we	PRON
ejif-12489	146	2	conducted	conduct	VERB
ejif-12489	146	3	in	in	ADP
ejif-12489	146	4	-	-	PUNCT
ejif-12489	146	5	depth	depth	NOUN
ejif-12489	146	6	interviews	interview	NOUN
ejif-12489	146	7	with	with	ADP
ejif-12489	146	8	informants	informant	NOUN
ejif-12489	146	9	to	to	PART
ejif-12489	146	10	obtain	obtain	VERB
ejif-12489	146	11	complete	complete	ADJ
ejif-12489	146	12	information	information	NOUN
ejif-12489	146	13	about	about	ADP
ejif-12489	146	14	risk	risk	NOUN
ejif-12489	146	15	management	management	NOUN
ejif-12489	146	16	practices	practice	NOUN
ejif-12489	146	17	and	and	CCONJ
ejif-12489	146	18	fiqh	fiqh	NOUN
ejif-12489	146	19	muamalat	muamalat	NOUN
ejif-12489	146	20	.	.	PUNCT
ejif-12489	147	1	we	we	PRON
ejif-12489	147	2	purposefully	purposefully	ADV
ejif-12489	147	3	selected	select	VERB
ejif-12489	147	4	key	key	ADJ
ejif-12489	147	5	informants	informant	NOUN
ejif-12489	147	6	based	base	VERB
ejif-12489	147	7	on	on	ADP
ejif-12489	147	8	the	the	DET
ejif-12489	147	9	established	establish	VERB
ejif-12489	147	10	criteria	criterion	NOUN
ejif-12489	147	11	.	.	PUNCT
ejif-12489	148	1	other	other	ADJ
ejif-12489	148	2	informants	informant	NOUN
ejif-12489	148	3	were	be	AUX
ejif-12489	148	4	chosen	choose	VERB
ejif-12489	148	5	using	use	VERB
ejif-12489	148	6	the	the	DET
ejif-12489	148	7	snowball	snowball	ADJ
ejif-12489	148	8	method	method	NOUN
ejif-12489	148	9	based	base	VERB
ejif-12489	148	10	on	on	ADP
ejif-12489	148	11	the	the	DET
ejif-12489	148	12	main	main	ADJ
ejif-12489	148	13	informant	informant	NOUN
ejif-12489	148	14	’s	’s	PART
ejif-12489	148	15	suggestions	suggestion	NOUN
ejif-12489	148	16	.	.	PUNCT
ejif-12489	149	1	all	all	DET
ejif-12489	149	2	possible	possible	ADJ
ejif-12489	149	3	informants	informant	NOUN
ejif-12489	149	4	were	be	AUX
ejif-12489	149	5	selected	select	VERB
ejif-12489	149	6	based	base	VERB
ejif-12489	149	7	on	on	ADP
ejif-12489	149	8	their	their	PRON
ejif-12489	149	9	expertise	expertise	NOUN
ejif-12489	149	10	and	and	CCONJ
ejif-12489	149	11	qualifications	qualification	NOUN
ejif-12489	149	12	in	in	ADP
ejif-12489	149	13	management	management	NOUN
ejif-12489	149	14	and	and	CCONJ
ejif-12489	149	15	fiqh	fiqh	NOUN
ejif-12489	149	16	muamalat	muamalat	NOUN
ejif-12489	149	17	.	.	PUNCT
ejif-12489	150	1	we	we	PRON
ejif-12489	150	2	conducted	conduct	VERB
ejif-12489	150	3	in	in	ADP
ejif-12489	150	4	-	-	PUNCT
ejif-12489	150	5	depth	depth	NOUN
ejif-12489	150	6	interviews	interview	NOUN
ejif-12489	150	7	with	with	ADP
ejif-12489	150	8	16	16	NUM
ejif-12489	150	9	informants	informant	NOUN
ejif-12489	150	10	to	to	PART
ejif-12489	150	11	gather	gather	VERB
ejif-12489	150	12	critical	critical	ADJ
ejif-12489	150	13	information	information	NOUN
ejif-12489	150	14	across	across	ADP
ejif-12489	150	15	various	various	ADJ
ejif-12489	150	16	functions	function	NOUN
ejif-12489	150	17	,	,	PUNCT
ejif-12489	150	18	with	with	ADP
ejif-12489	150	19	face	face	NOUN
ejif-12489	150	20	-	-	PUNCT
ejif-12489	150	21	to	to	ADP
ejif-12489	150	22	-	-	PUNCT
ejif-12489	150	23	face	face	NOUN
ejif-12489	150	24	sessions	session	NOUN
ejif-12489	150	25	lasting	last	VERB
ejif-12489	150	26	between	between	ADP
ejif-12489	150	27	one	one	NUM
ejif-12489	150	28	and	and	CCONJ
ejif-12489	150	29	three	three	NUM
ejif-12489	150	30	hours	hour	NOUN
ejif-12489	150	31	(	(	PUNCT
ejif-12489	150	32	table	table	NOUN
ejif-12489	150	33	1	1	NUM
ejif-12489	150	34	)	)	PUNCT
ejif-12489	150	35	.	.	PUNCT
ejif-12489	151	1	we	we	PRON
ejif-12489	151	2	began	begin	VERB
ejif-12489	151	3	the	the	DET
ejif-12489	151	4	conversation	conversation	NOUN
ejif-12489	151	5	by	by	ADP
ejif-12489	151	6	assuring	assure	VERB
ejif-12489	151	7	the	the	DET
ejif-12489	151	8	informant	informant	NOUN
ejif-12489	151	9	that	that	SCONJ
ejif-12489	151	10	her	her	PRON
ejif-12489	151	11	identity	identity	NOUN
ejif-12489	151	12	and	and	CCONJ
ejif-12489	151	13	all	all	DET
ejif-12489	151	14	information	information	NOUN
ejif-12489	151	15	provided	provide	VERB
ejif-12489	151	16	would	would	AUX
ejif-12489	151	17	be	be	AUX
ejif-12489	151	18	kept	keep	VERB
ejif-12489	151	19	private	private	ADJ
ejif-12489	151	20	and	and	CCONJ
ejif-12489	151	21	would	would	AUX
ejif-12489	151	22	not	not	PART
ejif-12489	151	23	be	be	AUX
ejif-12489	151	24	revealed	reveal	VERB
ejif-12489	151	25	in	in	ADP
ejif-12489	151	26	the	the	DET
ejif-12489	151	27	publication	publication	NOUN
ejif-12489	151	28	.	.	PUNCT
ejif-12489	152	1	we	we	PRON
ejif-12489	152	2	then	then	ADV
ejif-12489	152	3	recorded	record	VERB
ejif-12489	152	4	the	the	DET
ejif-12489	152	5	interview	interview	NOUN
ejif-12489	152	6	using	use	VERB
ejif-12489	152	7	an	an	DET
ejif-12489	152	8	appropriate	appropriate	ADJ
ejif-12489	152	9	digital	digital	ADJ
ejif-12489	152	10	recording	recording	NOUN
ejif-12489	152	11	device	device	NOUN
ejif-12489	152	12	to	to	PART
ejif-12489	152	13	ensure	ensure	VERB
ejif-12489	152	14	data	datum	NOUN
ejif-12489	152	15	security	security	NOUN
ejif-12489	152	16	.	.	PUNCT
ejif-12489	153	1	this	this	DET
ejif-12489	153	2	investigation	investigation	NOUN
ejif-12489	153	3	was	be	AUX
ejif-12489	153	4	conducted	conduct	VERB
ejif-12489	153	5	from	from	ADP
ejif-12489	153	6	february	february	PROPN
ejif-12489	153	7	to	to	ADP
ejif-12489	153	8	december	december	PROPN
ejif-12489	153	9	2024	2024	NUM
ejif-12489	153	10	.	.	PUNCT
ejif-12489	154	1	following	follow	VERB
ejif-12489	154	2	that	that	PRON
ejif-12489	154	3	,	,	PUNCT
ejif-12489	154	4	we	we	PRON
ejif-12489	154	5	created	create	VERB
ejif-12489	154	6	a	a	DET
ejif-12489	154	7	transcript	transcript	NOUN
ejif-12489	154	8	of	of	ADP
ejif-12489	154	9	our	our	PRON
ejif-12489	154	10	recorded	record	VERB
ejif-12489	154	11	emic	emic	ADJ
ejif-12489	154	12	data	datum	NOUN
ejif-12489	154	13	to	to	PART
ejif-12489	154	14	facilitate	facilitate	VERB
ejif-12489	154	15	systematic	systematic	ADJ
ejif-12489	154	16	management	management	NOUN
ejif-12489	154	17	and	and	CCONJ
ejif-12489	154	18	analysis	analysis	NOUN
ejif-12489	154	19	of	of	ADP
ejif-12489	154	20	textual	textual	ADJ
ejif-12489	154	21	data	datum	NOUN
ejif-12489	154	22	,	,	PUNCT
ejif-12489	154	23	as	as	ADV
ejif-12489	154	24	well	well	ADV
ejif-12489	154	25	as	as	ADP
ejif-12489	154	26	the	the	DET
ejif-12489	154	27	extraction	extraction	NOUN
ejif-12489	154	28	of	of	ADP
ejif-12489	154	29	significant	significant	ADJ
ejif-12489	154	30	information	information	NOUN
ejif-12489	154	31	(	(	PUNCT
ejif-12489	154	32	mclellan	mclellan	PROPN
ejif-12489	154	33	et	et	PROPN
ejif-12489	154	34	al	al	PROPN
ejif-12489	154	35	.	.	PROPN
ejif-12489	154	36	,	,	PUNCT
ejif-12489	154	37	2003	2003	NUM
ejif-12489	154	38	)	)	PUNCT
ejif-12489	154	39	.	.	PUNCT
ejif-12489	155	1	the	the	DET
ejif-12489	155	2	informants	informant	NOUN
ejif-12489	155	3	are	be	AUX
ejif-12489	155	4	summarized	summarize	VERB
ejif-12489	155	5	in	in	ADP
ejif-12489	155	6	the	the	DET
ejif-12489	155	7	table	table	NOUN
ejif-12489	155	8	below	below	ADV
ejif-12489	155	9	.	.	PUNCT
ejif-12489	156	1	table	table	NOUN
ejif-12489	156	2	1	1	NUM
ejif-12489	156	3	.	.	PUNCT
ejif-12489	157	1	summary	summary	NOUN
ejif-12489	157	2	of	of	ADP
ejif-12489	157	3	interviews	interview	NOUN
ejif-12489	157	4	no	no	DET
ejif-12489	157	5	informant	informant	NOUN
ejif-12489	157	6	’s	’s	PART
ejif-12489	157	7	status	status	NOUN
ejif-12489	157	8	length	length	NOUN
ejif-12489	157	9	of	of	ADP
ejif-12489	157	10	work	work	NOUN
ejif-12489	157	11	(	(	PUNCT
ejif-12489	157	12	years	year	NOUN
ejif-12489	157	13	)	)	PUNCT
ejif-12489	157	14	number	number	NOUN
ejif-12489	157	15	of	of	ADP
ejif-12489	157	16	hours	hour	NOUN
ejif-12489	157	17	office	office	NOUN
ejif-12489	157	18	affiliation	affiliation	NOUN
ejif-12489	157	19	1	1	NUM
ejif-12489	157	20	2	2	NUM
ejif-12489	157	21	3	3	NUM
ejif-12489	157	22	4	4	NUM
ejif-12489	157	23	5	5	NUM
ejif-12489	157	24	6	6	NUM
ejif-12489	157	25	7	7	NUM
ejif-12489	157	26	8	8	NUM
ejif-12489	157	27	9	9	NUM
ejif-12489	157	28	10	10	NUM
ejif-12489	157	29	11	11	NUM
ejif-12489	157	30	12	12	NUM
ejif-12489	157	31	13	13	NUM
ejif-12489	157	32	14	14	NUM
ejif-12489	157	33	16	16	NUM
ejif-12489	157	34	chairman	chairman	NOUN
ejif-12489	157	35	sharia	sharia	PROPN
ejif-12489	157	36	supervisory	supervisory	PROPN
ejif-12489	157	37	board	board	PROPN
ejif-12489	157	38	member	member	NOUN
ejif-12489	157	39	finance	finance	NOUN
ejif-12489	157	40	manager	manager	NOUN
ejif-12489	157	41	risk	risk	NOUN
ejif-12489	157	42	control	control	NOUN
ejif-12489	157	43	manager	manager	NOUN
ejif-12489	157	44	head	head	NOUN
ejif-12489	157	45	of	of	ADP
ejif-12489	157	46	financing	financing	NOUN
ejif-12489	157	47	division	division	NOUN
ejif-12489	157	48	branch	branch	NOUN
ejif-12489	157	49	office	office	NOUN
ejif-12489	157	50	head	head	NOUN
ejif-12489	157	51	branch	branch	NOUN
ejif-12489	157	52	office	office	NOUN
ejif-12489	157	53	head	head	NOUN
ejif-12489	157	54	branch	branch	NOUN
ejif-12489	157	55	office	office	NOUN
ejif-12489	157	56	head	head	NOUN
ejif-12489	157	57	branch	branch	NOUN
ejif-12489	157	58	office	office	NOUN
ejif-12489	157	59	head	head	NOUN
ejif-12489	157	60	branch	branch	NOUN
ejif-12489	157	61	office	office	NOUN
ejif-12489	157	62	head	head	NOUN
ejif-12489	157	63	branch	branch	NOUN
ejif-12489	157	64	office	office	NOUN
ejif-12489	157	65	head	head	NOUN
ejif-12489	157	66	branch	branch	NOUN
ejif-12489	157	67	office	office	NOUN
ejif-12489	157	68	head	head	NOUN
ejif-12489	157	69	branch	branch	NOUN
ejif-12489	157	70	office	office	NOUN
ejif-12489	157	71	head	head	NOUN
ejif-12489	157	72	branch	branch	NOUN
ejif-12489	157	73	office	office	NOUN
ejif-12489	157	74	head	head	NOUN
ejif-12489	157	75	president	president	NOUN
ejif-12489	157	76	director	director	NOUN
ejif-12489	157	77	23	23	NUM
ejif-12489	157	78	14	14	NUM
ejif-12489	157	79	12	12	NUM
ejif-12489	157	80	14	14	NUM
ejif-12489	157	81	16	16	NUM
ejif-12489	157	82	18	18	NUM
ejif-12489	157	83	11	11	NUM
ejif-12489	157	84	15	15	NUM
ejif-12489	157	85	10	10	NUM
ejif-12489	157	86	12	12	NUM
ejif-12489	157	87	17	17	NUM
ejif-12489	157	88	11	11	NUM
ejif-12489	157	89	17	17	NUM
ejif-12489	157	90	17	17	NUM
ejif-12489	157	91	8	8	NUM
ejif-12489	157	92	2	2	NUM
ejif-12489	157	93	3	3	NUM
ejif-12489	157	94	2	2	NUM
ejif-12489	157	95	3	3	NUM
ejif-12489	157	96	1	1	NUM
ejif-12489	157	97	1	1	NUM
ejif-12489	157	98	1	1	NUM
ejif-12489	157	99	1	1	NUM
ejif-12489	157	100	1	1	NUM
ejif-12489	157	101	1	1	NUM
ejif-12489	157	102	1	1	NUM
ejif-12489	157	103	1	1	NUM
ejif-12489	157	104	1	1	NUM
ejif-12489	157	105	1	1	NUM
ejif-12489	157	106	2	2	NUM
ejif-12489	157	107	bmt	bmt	NOUN
ejif-12489	157	108	ugt	ugt	PROPN
ejif-12489	157	109	head	head	PROPN
ejif-12489	157	110	office	office	NOUN
ejif-12489	157	111	,	,	PUNCT
ejif-12489	157	112	pasuruan	pasuruan	PROPN
ejif-12489	157	113	bmt	bmt	PROPN
ejif-12489	157	114	ugt	ugt	PROPN
ejif-12489	157	115	head	head	PROPN
ejif-12489	157	116	office	office	NOUN
ejif-12489	157	117	,	,	PUNCT
ejif-12489	157	118	pasuruan	pasuruan	PROPN
ejif-12489	157	119	bmt	bmt	PROPN
ejif-12489	157	120	ugt	ugt	PROPN
ejif-12489	157	121	head	head	PROPN
ejif-12489	157	122	office	office	NOUN
ejif-12489	157	123	,	,	PUNCT
ejif-12489	157	124	pasuruan	pasuruan	PROPN
ejif-12489	157	125	bmt	bmt	PROPN
ejif-12489	157	126	ugt	ugt	PROPN
ejif-12489	157	127	head	head	PROPN
ejif-12489	157	128	office	office	NOUN
ejif-12489	157	129	,	,	PUNCT
ejif-12489	157	130	pasuruan	pasuruan	PROPN
ejif-12489	157	131	bmt	bmt	PROPN
ejif-12489	157	132	ugt	ugt	PROPN
ejif-12489	157	133	head	head	PROPN
ejif-12489	157	134	office	office	NOUN
ejif-12489	157	135	,	,	PUNCT
ejif-12489	157	136	pasuruan	pasuruan	PROPN
ejif-12489	157	137	bmt	bmt	PROPN
ejif-12489	157	138	ugt	ugt	PROPN
ejif-12489	157	139	klampis	klampis	PROPN
ejif-12489	157	140	,	,	PUNCT
ejif-12489	157	141	bangkalan	bangkalan	NOUN
ejif-12489	157	142	bmt	bmt	PROPN
ejif-12489	157	143	ugt	ugt	PROPN
ejif-12489	157	144	pringsewu	pringsewu	PROPN
ejif-12489	157	145	,	,	PUNCT
ejif-12489	157	146	lampung	lampung	PROPN
ejif-12489	157	147	bmt	bmt	PROPN
ejif-12489	157	148	ugt	ugt	PROPN
ejif-12489	157	149	malang	malang	PROPN
ejif-12489	157	150	,	,	PUNCT
ejif-12489	157	151	kota	kota	PROPN
ejif-12489	157	152	malang	malang	PROPN
ejif-12489	157	153	bmt	bmt	PROPN
ejif-12489	157	154	ugt	ugt	PROPN
ejif-12489	157	155	riam	riam	PROPN
ejif-12489	157	156	durian	durian	NOUN
ejif-12489	157	157	,	,	PUNCT
ejif-12489	157	158	kalteng	kalteng	PROPN
ejif-12489	157	159	bmt	bmt	PROPN
ejif-12489	157	160	ugt	ugt	PROPN
ejif-12489	157	161	dki	dki	PROPN
ejif-12489	157	162	,	,	PUNCT
ejif-12489	157	163	jakarta	jakarta	PROPN
ejif-12489	157	164	bmt	bmt	PROPN
ejif-12489	157	165	ugt	ugt	PROPN
ejif-12489	157	166	glenmore	glenmore	PROPN
ejif-12489	157	167	,	,	PUNCT
ejif-12489	157	168	banyuwangi	banyuwangi	PROPN
ejif-12489	157	169	bmt	bmt	PROPN
ejif-12489	157	170	ugt	ugt	PROPN
ejif-12489	157	171	denpasar	denpasar	PROPN
ejif-12489	157	172	,	,	PUNCT
ejif-12489	157	173	bali	bali	PROPN
ejif-12489	157	174	bmt	bmt	PROPN
ejif-12489	157	175	ugt	ugt	PROPN
ejif-12489	157	176	pamekasan	pamekasan	NOUN
ejif-12489	157	177	,	,	PUNCT
ejif-12489	157	178	madura	madura	NOUN
ejif-12489	157	179	bmt	bmt	PROPN
ejif-12489	157	180	ugt	ugt	PROPN
ejif-12489	157	181	ambulu	ambulu	NOUN
ejif-12489	157	182	,	,	PUNCT
ejif-12489	157	183	jember	jember	PROPN
ejif-12489	157	184	pt	pt	X
ejif-12489	157	185	usid	usid	PROPN
ejif-12489	157	186	,	,	PUNCT
ejif-12489	157	187	vendor	vendor	NOUN
ejif-12489	157	188	it	it	PRON
ejif-12489	157	189	bmt	bmt	VERB
ejif-12489	157	190	ugt	ugt	PROPN
ejif-12489	157	191	source	source	NOUN
ejif-12489	157	192	:	:	PUNCT
ejif-12489	157	193	authors	author	NOUN
ejif-12489	157	194	’	’	PART
ejif-12489	157	195	elaboration	elaboration	PROPN
ejif-12489	157	196	european	european	PROPN
ejif-12489	157	197	journal	journal	PROPN
ejif-12489	157	198	of	of	ADP
ejif-12489	157	199	islamic	islamic	PROPN
ejif-12489	157	200	finance	finance	PROPN
ejif-12489	157	201	issn	issn	PROPN
ejif-12489	157	202	:	:	PUNCT
ejif-12489	157	203	2421	2421	NUM
ejif-12489	157	204	-	-	SYM
ejif-12489	157	205	2172	2172	NUM
ejif-12489	157	206	doi	doi	NOUN
ejif-12489	157	207	:	:	PUNCT
ejif-12489	157	208	10.13135/2421	10.13135/2421	NUM
ejif-12489	157	209	-	-	SYM
ejif-12489	157	210	2172/12489	2172/12489	NUM
ejif-12489	157	211	published	publish	VERB
ejif-12489	157	212	by	by	ADP
ejif-12489	157	213	university	university	PROPN
ejif-12489	157	214	of	of	ADP
ejif-12489	157	215	turin	turin	PROPN
ejif-12489	158	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	158	2	ejif	ejif	PROPN
ejif-12489	158	3	content	content	NOUN
ejif-12489	158	4	is	be	AUX
ejif-12489	158	5	licensed	license	VERB
ejif-12489	158	6	under	under	ADP
ejif-12489	158	7	a	a	DET
ejif-12489	158	8	creative	creative	ADJ
ejif-12489	158	9	commons	common	NOUN
ejif-12489	158	10	attribution	attribution	NOUN
ejif-12489	158	11	4.0	4.0	NUM
ejif-12489	158	12	international	international	ADJ
ejif-12489	158	13	license	license	NOUN
ejif-12489	158	14	22	22	NUM
ejif-12489	158	15	3.3	3.3	NUM
ejif-12489	158	16	analysis	analysis	NOUN
ejif-12489	158	17	the	the	DET
ejif-12489	158	18	data	data	NOUN
ejif-12489	158	19	analysis	analysis	NOUN
ejif-12489	158	20	step	step	NOUN
ejif-12489	158	21	focuses	focus	VERB
ejif-12489	158	22	on	on	ADP
ejif-12489	158	23	identifying	identify	VERB
ejif-12489	158	24	patterns	pattern	NOUN
ejif-12489	158	25	and	and	CCONJ
ejif-12489	158	26	models	model	NOUN
ejif-12489	158	27	of	of	ADP
ejif-12489	158	28	relationships	relationship	NOUN
ejif-12489	158	29	between	between	ADP
ejif-12489	158	30	data	datum	NOUN
ejif-12489	158	31	,	,	PUNCT
ejif-12489	158	32	as	as	SCONJ
ejif-12489	158	33	detailed	detailed	ADJ
ejif-12489	158	34	descriptions	description	NOUN
ejif-12489	158	35	gathered	gather	VERB
ejif-12489	158	36	during	during	ADP
ejif-12489	158	37	the	the	DET
ejif-12489	158	38	investigation	investigation	NOUN
ejif-12489	158	39	.	.	PUNCT
ejif-12489	159	1	we	we	PRON
ejif-12489	159	2	analyze	analyze	VERB
ejif-12489	159	3	data	datum	NOUN
ejif-12489	159	4	using	use	VERB
ejif-12489	159	5	the	the	DET
ejif-12489	159	6	interactive	interactive	ADJ
ejif-12489	159	7	model	model	NOUN
ejif-12489	159	8	(	(	PUNCT
ejif-12489	159	9	miles	mile	NOUN
ejif-12489	159	10	et	et	PROPN
ejif-12489	159	11	al	al	PROPN
ejif-12489	159	12	.	.	PROPN
ejif-12489	159	13	,	,	PUNCT
ejif-12489	159	14	2014	2014	NUM
ejif-12489	159	15	)	)	PUNCT
ejif-12489	159	16	since	since	SCONJ
ejif-12489	159	17	the	the	DET
ejif-12489	159	18	flow	flow	NOUN
ejif-12489	159	19	of	of	ADP
ejif-12489	159	20	activities	activity	NOUN
ejif-12489	159	21	and	and	CCONJ
ejif-12489	159	22	data	datum	NOUN
ejif-12489	159	23	gathering	gathering	NOUN
ejif-12489	159	24	is	be	AUX
ejif-12489	159	25	an	an	DET
ejif-12489	159	26	interactive	interactive	ADJ
ejif-12489	159	27	cyclical	cyclical	ADJ
ejif-12489	159	28	process	process	NOUN
ejif-12489	159	29	.	.	PUNCT
ejif-12489	160	1	this	this	DET
ejif-12489	160	2	study	study	NOUN
ejif-12489	160	3	consists	consist	VERB
ejif-12489	160	4	of	of	ADP
ejif-12489	160	5	four	four	NUM
ejif-12489	160	6	stages	stage	NOUN
ejif-12489	160	7	:	:	PUNCT
ejif-12489	160	8	data	datum	NOUN
ejif-12489	160	9	gathering	gathering	NOUN
ejif-12489	160	10	,	,	PUNCT
ejif-12489	160	11	data	data	NOUN
ejif-12489	160	12	reduction	reduction	NOUN
ejif-12489	160	13	,	,	PUNCT
ejif-12489	160	14	data	data	NOUN
ejif-12489	160	15	presentation	presentation	NOUN
ejif-12489	160	16	,	,	PUNCT
ejif-12489	160	17	and	and	CCONJ
ejif-12489	160	18	generating	generate	VERB
ejif-12489	160	19	conclusions	conclusion	NOUN
ejif-12489	160	20	,	,	PUNCT
ejif-12489	160	21	all	all	PRON
ejif-12489	160	22	of	of	ADP
ejif-12489	160	23	which	which	PRON
ejif-12489	160	24	are	be	AUX
ejif-12489	160	25	repeated	repeat	VERB
ejif-12489	160	26	and	and	CCONJ
ejif-12489	160	27	simultaneous	simultaneous	ADJ
ejif-12489	160	28	until	until	SCONJ
ejif-12489	160	29	the	the	DET
ejif-12489	160	30	data	data	NOUN
ejif-12489	160	31	is	be	AUX
ejif-12489	160	32	considered	consider	VERB
ejif-12489	160	33	saturated	saturated	ADJ
ejif-12489	160	34	(	(	PUNCT
ejif-12489	160	35	miles	mile	NOUN
ejif-12489	160	36	et	et	PROPN
ejif-12489	160	37	al	al	PROPN
ejif-12489	160	38	.	.	PROPN
ejif-12489	160	39	,	,	PUNCT
ejif-12489	160	40	2014	2014	NUM
ejif-12489	160	41	)	)	PUNCT
ejif-12489	160	42	.	.	PUNCT
ejif-12489	161	1	to	to	PART
ejif-12489	161	2	verify	verify	VERB
ejif-12489	161	3	that	that	SCONJ
ejif-12489	161	4	the	the	DET
ejif-12489	161	5	findings	finding	NOUN
ejif-12489	161	6	of	of	ADP
ejif-12489	161	7	data	datum	NOUN
ejif-12489	161	8	analysis	analysis	NOUN
ejif-12489	161	9	are	be	AUX
ejif-12489	161	10	accounted	account	VERB
ejif-12489	161	11	for	for	ADP
ejif-12489	161	12	,	,	PUNCT
ejif-12489	161	13	we	we	PRON
ejif-12489	161	14	test	test	VERB
ejif-12489	161	15	data	datum	NOUN
ejif-12489	161	16	validity	validity	NOUN
ejif-12489	161	17	using	use	VERB
ejif-12489	161	18	four	four	NUM
ejif-12489	161	19	criteria	criterion	NOUN
ejif-12489	161	20	(	(	PUNCT
ejif-12489	161	21	morrow	morrow	NOUN
ejif-12489	161	22	,	,	PUNCT
ejif-12489	161	23	2005	2005	NUM
ejif-12489	161	24	)	)	PUNCT
ejif-12489	161	25	.	.	PUNCT
ejif-12489	162	1	the	the	DET
ejif-12489	162	2	four	four	NUM
ejif-12489	162	3	criteria	criterion	NOUN
ejif-12489	162	4	are	be	AUX
ejif-12489	162	5	credibility	credibility	NOUN
ejif-12489	162	6	(	(	PUNCT
ejif-12489	162	7	achieved	achieve	VERB
ejif-12489	162	8	through	through	ADP
ejif-12489	162	9	the	the	DET
ejif-12489	162	10	techniques	technique	NOUN
ejif-12489	162	11	of	of	ADP
ejif-12489	162	12	extending	extend	VERB
ejif-12489	162	13	involvement	involvement	NOUN
ejif-12489	162	14	,	,	PUNCT
ejif-12489	162	15	continuous	continuous	ADJ
ejif-12489	162	16	observation	observation	NOUN
ejif-12489	162	17	,	,	PUNCT
ejif-12489	162	18	triangulation	triangulation	NOUN
ejif-12489	162	19	of	of	ADP
ejif-12489	162	20	data	datum	NOUN
ejif-12489	162	21	sources	source	NOUN
ejif-12489	162	22	,	,	PUNCT
ejif-12489	162	23	peer	peer	NOUN
ejif-12489	162	24	debriefing	debriefing	NOUN
ejif-12489	162	25	,	,	PUNCT
ejif-12489	162	26	and	and	CCONJ
ejif-12489	162	27	member	member	NOUN
ejif-12489	162	28	checks	check	NOUN
ejif-12489	162	29	)	)	PUNCT
ejif-12489	162	30	,	,	PUNCT
ejif-12489	162	31	transferability	transferability	NOUN
ejif-12489	162	32	(	(	PUNCT
ejif-12489	162	33	achieved	achieve	VERB
ejif-12489	162	34	through	through	ADP
ejif-12489	162	35	thick	thick	ADJ
ejif-12489	162	36	description	description	NOUN
ejif-12489	162	37	)	)	PUNCT
ejif-12489	162	38	,	,	PUNCT
ejif-12489	162	39	dependability	dependability	NOUN
ejif-12489	162	40	,	,	PUNCT
ejif-12489	162	41	and	and	CCONJ
ejif-12489	162	42	confirmability	confirmability	NOUN
ejif-12489	162	43	(	(	PUNCT
ejif-12489	162	44	both	both	PRON
ejif-12489	162	45	are	be	AUX
ejif-12489	162	46	achieved	achieve	VERB
ejif-12489	162	47	through	through	ADP
ejif-12489	162	48	intensive	intensive	ADJ
ejif-12489	162	49	audits	audit	NOUN
ejif-12489	162	50	,	,	PUNCT
ejif-12489	162	51	discussions	discussion	NOUN
ejif-12489	162	52	with	with	ADP
ejif-12489	162	53	experts	expert	NOUN
ejif-12489	162	54	,	,	PUNCT
ejif-12489	162	55	and	and	CCONJ
ejif-12489	162	56	focus	focus	VERB
ejif-12489	162	57	group	group	NOUN
ejif-12489	162	58	discussions	discussion	NOUN
ejif-12489	162	59	)	)	PUNCT
ejif-12489	162	60	.	.	PUNCT
ejif-12489	163	1	4	4	X
ejif-12489	163	2	.	.	X
ejif-12489	163	3	results	result	VERB
ejif-12489	163	4	this	this	DET
ejif-12489	163	5	study	study	NOUN
ejif-12489	163	6	focuses	focus	VERB
ejif-12489	163	7	on	on	ADP
ejif-12489	163	8	the	the	DET
ejif-12489	163	9	practice	practice	NOUN
ejif-12489	163	10	of	of	ADP
ejif-12489	163	11	risk	risk	NOUN
ejif-12489	163	12	management	management	NOUN
ejif-12489	163	13	and	and	CCONJ
ejif-12489	163	14	fiqh	fiqh	NOUN
ejif-12489	163	15	muamalat	muamalat	NOUN
ejif-12489	163	16	in	in	ADP
ejif-12489	163	17	islamic	islamic	ADJ
ejif-12489	163	18	microfinance	microfinance	NOUN
ejif-12489	163	19	institutions	institution	NOUN
ejif-12489	163	20	at	at	ADP
ejif-12489	163	21	bmt	bmt	PROPN
ejif-12489	163	22	ugt	ugt	PROPN
ejif-12489	163	23	nusantara	nusantara	NOUN
ejif-12489	163	24	in	in	ADP
ejif-12489	163	25	indonesia	indonesia	PROPN
ejif-12489	163	26	.	.	PUNCT
ejif-12489	164	1	the	the	DET
ejif-12489	164	2	first	first	ADJ
ejif-12489	164	3	emphasis	emphasis	NOUN
ejif-12489	164	4	is	be	AUX
ejif-12489	164	5	on	on	ADP
ejif-12489	164	6	the	the	DET
ejif-12489	164	7	practice	practice	NOUN
ejif-12489	164	8	of	of	ADP
ejif-12489	164	9	risk	risk	NOUN
ejif-12489	164	10	management	management	NOUN
ejif-12489	164	11	,	,	PUNCT
ejif-12489	164	12	while	while	SCONJ
ejif-12489	164	13	the	the	DET
ejif-12489	164	14	second	second	NOUN
ejif-12489	164	15	is	be	AUX
ejif-12489	164	16	on	on	ADP
ejif-12489	164	17	the	the	DET
ejif-12489	164	18	use	use	NOUN
ejif-12489	164	19	of	of	ADP
ejif-12489	164	20	fiqh	fiqh	PROPN
ejif-12489	164	21	muamalat	muamalat	NOUN
ejif-12489	164	22	in	in	ADP
ejif-12489	164	23	risk	risk	NOUN
ejif-12489	164	24	management	management	NOUN
ejif-12489	164	25	.	.	PUNCT
ejif-12489	165	1	in	in	ADP
ejif-12489	165	2	the	the	DET
ejif-12489	165	3	next	next	ADJ
ejif-12489	165	4	part	part	NOUN
ejif-12489	165	5	,	,	PUNCT
ejif-12489	165	6	we	we	PRON
ejif-12489	165	7	present	present	VERB
ejif-12489	165	8	the	the	DET
ejif-12489	165	9	findings	finding	NOUN
ejif-12489	165	10	and	and	CCONJ
ejif-12489	165	11	describe	describe	VERB
ejif-12489	165	12	the	the	DET
ejif-12489	165	13	study	study	NOUN
ejif-12489	165	14	’s	’s	PART
ejif-12489	165	15	focus	focus	NOUN
ejif-12489	165	16	.	.	PUNCT
ejif-12489	166	1	4.1	4.1	NUM
ejif-12489	166	2	risk	risk	NOUN
ejif-12489	166	3	management	management	NOUN
ejif-12489	166	4	practices	practice	VERB
ejif-12489	166	5	the	the	DET
ejif-12489	166	6	study	study	NOUN
ejif-12489	166	7	's	's	PART
ejif-12489	166	8	findings	finding	NOUN
ejif-12489	166	9	on	on	ADP
ejif-12489	166	10	our	our	PRON
ejif-12489	166	11	risk	risk	NOUN
ejif-12489	166	12	management	management	NOUN
ejif-12489	166	13	practices	practice	NOUN
ejif-12489	166	14	are	be	AUX
ejif-12489	166	15	organized	organize	VERB
ejif-12489	166	16	into	into	ADP
ejif-12489	166	17	four	four	NUM
ejif-12489	166	18	categories	category	NOUN
ejif-12489	166	19	:	:	PUNCT
ejif-12489	166	20	risk	risk	NOUN
ejif-12489	166	21	perception	perception	NOUN
ejif-12489	166	22	,	,	PUNCT
ejif-12489	166	23	risk	risk	NOUN
ejif-12489	166	24	identification	identification	NOUN
ejif-12489	166	25	,	,	PUNCT
ejif-12489	166	26	risk	risk	NOUN
ejif-12489	166	27	mitigation	mitigation	NOUN
ejif-12489	166	28	,	,	PUNCT
ejif-12489	166	29	and	and	CCONJ
ejif-12489	166	30	risk	risk	NOUN
ejif-12489	166	31	management	management	NOUN
ejif-12489	166	32	impacts	impact	NOUN
ejif-12489	166	33	.	.	PUNCT
ejif-12489	167	1	risk	risk	NOUN
ejif-12489	167	2	perception	perception	NOUN
ejif-12489	167	3	we	we	PRON
ejif-12489	167	4	explored	explore	VERB
ejif-12489	167	5	how	how	SCONJ
ejif-12489	167	6	bmt	bmt	ADJ
ejif-12489	167	7	ugt	ugt	PROPN
ejif-12489	167	8	nusantara	nusantara	PROPN
ejif-12489	167	9	managers	manager	NOUN
ejif-12489	167	10	perceived	perceive	VERB
ejif-12489	167	11	risk	risk	NOUN
ejif-12489	167	12	definitions	definition	NOUN
ejif-12489	167	13	.	.	PUNCT
ejif-12489	168	1	the	the	DET
ejif-12489	168	2	next	next	ADJ
ejif-12489	168	3	table	table	NOUN
ejif-12489	168	4	2	2	NUM
ejif-12489	168	5	summarizes	summarize	NOUN
ejif-12489	168	6	the	the	DET
ejif-12489	168	7	answers	answer	NOUN
ejif-12489	168	8	provided	provide	VERB
ejif-12489	168	9	by	by	ADP
ejif-12489	168	10	the	the	DET
ejif-12489	168	11	informants	informant	NOUN
ejif-12489	168	12	.	.	PUNCT
ejif-12489	169	1	table	table	NOUN
ejif-12489	169	2	2	2	NUM
ejif-12489	169	3	.	.	PUNCT
ejif-12489	170	1	risk	risk	NOUN
ejif-12489	170	2	perception	perception	NOUN
ejif-12489	170	3	informant	informant	NOUN
ejif-12489	170	4	informant	informant	NOUN
ejif-12489	170	5	answer	answer	NOUN
ejif-12489	170	6	questions	question	NOUN
ejif-12489	170	7	about	about	ADP
ejif-12489	170	8	risk	risk	NOUN
ejif-12489	170	9	perceptions	perception	NOUN
ejif-12489	170	10	1,3	1,3	NUM
ejif-12489	170	11	,	,	PUNCT
ejif-12489	170	12	4	4	NUM
ejif-12489	170	13	1,2,5	1,2,5	NUM
ejif-12489	170	14	1,2,5,7	1,2,5,7	NUM
ejif-12489	170	15	1,3,4,5,8,9	1,3,4,5,8,9	NUM
ejif-12489	170	16	•	•	NOUN
ejif-12489	170	17	risk	risk	NOUN
ejif-12489	170	18	is	be	AUX
ejif-12489	170	19	a	a	DET
ejif-12489	170	20	shift	shift	NOUN
ejif-12489	170	21	or	or	CCONJ
ejif-12489	170	22	difference	difference	NOUN
ejif-12489	170	23	in	in	ADP
ejif-12489	170	24	unanticipated	unanticipated	ADJ
ejif-12489	170	25	outcomes	outcome	NOUN
ejif-12489	170	26	.	.	PUNCT
ejif-12489	171	1	•	•	NUM
ejif-12489	171	2	risks	risk	NOUN
ejif-12489	171	3	,	,	PUNCT
ejif-12489	171	4	on	on	ADP
ejif-12489	171	5	the	the	DET
ejif-12489	171	6	one	one	NUM
ejif-12489	171	7	hand	hand	NOUN
ejif-12489	171	8	,	,	PUNCT
ejif-12489	171	9	can	can	AUX
ejif-12489	171	10	have	have	VERB
ejif-12489	171	11	negative	negative	ADJ
ejif-12489	171	12	consequences	consequence	NOUN
ejif-12489	171	13	(	(	PUNCT
ejif-12489	171	14	mafsadah	mafsadah	NOUN
ejif-12489	171	15	)	)	PUNCT
ejif-12489	171	16	,	,	PUNCT
ejif-12489	171	17	but	but	CCONJ
ejif-12489	171	18	they	they	PRON
ejif-12489	171	19	can	can	AUX
ejif-12489	171	20	also	also	ADV
ejif-12489	171	21	create	create	VERB
ejif-12489	171	22	possibilities	possibility	NOUN
ejif-12489	171	23	.	.	PUNCT
ejif-12489	172	1	•	•	NUM
ejif-12489	172	2	risk	risk	NOUN
ejif-12489	172	3	is	be	AUX
ejif-12489	172	4	interpreted	interpret	VERB
ejif-12489	172	5	as	as	ADP
ejif-12489	172	6	sunatullah	sunatullah	PROPN
ejif-12489	172	7	,	,	PUNCT
ejif-12489	172	8	allah	allah	PROPN
ejif-12489	172	9	swt	swt	PROPN
ejif-12489	172	10	's	's	PART
ejif-12489	172	11	mandate	mandate	NOUN
ejif-12489	172	12	for	for	ADP
ejif-12489	172	13	creating	create	VERB
ejif-12489	172	14	all	all	PRON
ejif-12489	172	15	that	that	PRON
ejif-12489	172	16	is	be	AUX
ejif-12489	172	17	coupled	couple	VERB
ejif-12489	172	18	.	.	PUNCT
ejif-12489	173	1	•	•	NUM
ejif-12489	173	2	for	for	ADP
ejif-12489	173	3	every	every	DET
ejif-12489	173	4	obstacle	obstacle	NOUN
ejif-12489	173	5	perceived	perceive	VERB
ejif-12489	173	6	as	as	ADP
ejif-12489	173	7	a	a	DET
ejif-12489	173	8	risk	risk	NOUN
ejif-12489	173	9	,	,	PUNCT
ejif-12489	173	10	allah	allah	PROPN
ejif-12489	173	11	swt	swt	PROPN
ejif-12489	173	12	undoubtedly	undoubtedly	ADV
ejif-12489	173	13	provides	provide	VERB
ejif-12489	173	14	a	a	DET
ejif-12489	173	15	solution	solution	NOUN
ejif-12489	173	16	.	.	PUNCT
ejif-12489	174	1	source	source	NOUN
ejif-12489	174	2	:	:	PUNCT
ejif-12489	174	3	authors	author	NOUN
ejif-12489	174	4	’	'	PUNCT
ejif-12489	174	5	elaboration	elaboration	NOUN
ejif-12489	174	6	the	the	DET
ejif-12489	174	7	informant	informant	NOUN
ejif-12489	174	8	has	have	VERB
ejif-12489	174	9	a	a	DET
ejif-12489	174	10	different	different	ADJ
ejif-12489	174	11	definition	definition	NOUN
ejif-12489	174	12	of	of	ADP
ejif-12489	174	13	risk	risk	NOUN
ejif-12489	174	14	;	;	PUNCT
ejif-12489	174	15	however	however	ADV
ejif-12489	174	16	,	,	PUNCT
ejif-12489	174	17	informants	informant	NOUN
ejif-12489	174	18	'	'	PART
ejif-12489	174	19	understanding	understanding	NOUN
ejif-12489	174	20	of	of	ADP
ejif-12489	174	21	risk	risk	NOUN
ejif-12489	174	22	is	be	AUX
ejif-12489	174	23	generally	generally	ADV
ejif-12489	174	24	influenced	influence	VERB
ejif-12489	174	25	by	by	ADP
ejif-12489	174	26	the	the	DET
ejif-12489	174	27	financial	financial	ADJ
ejif-12489	174	28	industry	industry	NOUN
ejif-12489	174	29	.	.	PUNCT
ejif-12489	175	1	some	some	DET
ejif-12489	175	2	sources	source	NOUN
ejif-12489	175	3	define	define	VERB
ejif-12489	175	4	risks	risk	NOUN
ejif-12489	175	5	as	as	ADP
ejif-12489	175	6	changes	change	NOUN
ejif-12489	175	7	or	or	CCONJ
ejif-12489	175	8	differences	difference	NOUN
ejif-12489	175	9	in	in	ADP
ejif-12489	175	10	unanticipated	unanticipated	ADJ
ejif-12489	175	11	results	result	NOUN
ejif-12489	175	12	.	.	PUNCT
ejif-12489	176	1	risks	risk	NOUN
ejif-12489	176	2	,	,	PUNCT
ejif-12489	176	3	on	on	ADP
ejif-12489	176	4	the	the	DET
ejif-12489	176	5	one	one	NUM
ejif-12489	176	6	hand	hand	NOUN
ejif-12489	176	7	,	,	PUNCT
ejif-12489	176	8	have	have	VERB
ejif-12489	176	9	the	the	DET
ejif-12489	176	10	potential	potential	NOUN
ejif-12489	176	11	for	for	ADP
ejif-12489	176	12	negative	negative	ADJ
ejif-12489	176	13	or	or	CCONJ
ejif-12489	176	14	destructive	destructive	ADJ
ejif-12489	176	15	consequences	consequence	NOUN
ejif-12489	176	16	(	(	PUNCT
ejif-12489	176	17	mafsadah	mafsadah	NOUN
ejif-12489	176	18	)	)	PUNCT
ejif-12489	176	19	that	that	PRON
ejif-12489	176	20	must	must	AUX
ejif-12489	176	21	be	be	AUX
ejif-12489	176	22	avoided	avoid	VERB
ejif-12489	176	23	for	for	ADP
ejif-12489	176	24	a	a	DET
ejif-12489	176	25	business	business	NOUN
ejif-12489	176	26	to	to	PART
ejif-12489	176	27	succeed	succeed	VERB
ejif-12489	176	28	;	;	PUNCT
ejif-12489	176	29	on	on	ADP
ejif-12489	176	30	the	the	DET
ejif-12489	176	31	other	other	ADJ
ejif-12489	176	32	hand	hand	NOUN
ejif-12489	176	33	,	,	PUNCT
ejif-12489	176	34	risks	risk	NOUN
ejif-12489	176	35	can	can	AUX
ejif-12489	176	36	create	create	VERB
ejif-12489	176	37	opportunities	opportunity	NOUN
ejif-12489	176	38	and	and	CCONJ
ejif-12489	176	39	encourage	encourage	VERB
ejif-12489	176	40	people	people	NOUN
ejif-12489	176	41	to	to	PART
ejif-12489	176	42	generate	generate	VERB
ejif-12489	176	43	income	income	NOUN
ejif-12489	176	44	.	.	PUNCT
ejif-12489	177	1	according	accord	VERB
ejif-12489	177	2	to	to	ADP
ejif-12489	177	3	informants	informant	NOUN
ejif-12489	177	4	who	who	PRON
ejif-12489	177	5	are	be	AUX
ejif-12489	177	6	alumni	alumnus	NOUN
ejif-12489	177	7	of	of	ADP
ejif-12489	177	8	the	the	DET
ejif-12489	177	9	sidogiri	sidogiri	NOUN
ejif-12489	177	10	islamic	islamic	ADJ
ejif-12489	177	11	boarding	boarding	PROPN
ejif-12489	177	12	school	school	NOUN
ejif-12489	177	13	,	,	PUNCT
ejif-12489	177	14	the	the	DET
ejif-12489	177	15	two	two	NUM
ejif-12489	177	16	potential	potential	ADJ
ejif-12489	177	17	threats	threat	NOUN
ejif-12489	177	18	are	be	AUX
ejif-12489	177	19	also	also	ADV
ejif-12489	177	20	viewed	view	VERB
ejif-12489	177	21	as	as	ADP
ejif-12489	177	22	sunatullah	sunatullah	PROPN
ejif-12489	177	23	,	,	PUNCT
ejif-12489	177	24	allah	allah	PROPN
ejif-12489	177	25	swt	swt	PROPN
ejif-12489	177	26	's	's	PART
ejif-12489	177	27	command	command	NOUN
ejif-12489	177	28	for	for	ADP
ejif-12489	177	29	creating	create	VERB
ejif-12489	177	30	all	all	PRON
ejif-12489	177	31	that	that	PRON
ejif-12489	177	32	is	be	AUX
ejif-12489	177	33	paired	pair	VERB
ejif-12489	177	34	.	.	PUNCT
ejif-12489	178	1	the	the	DET
ejif-12489	178	2	informants	informant	NOUN
ejif-12489	178	3	also	also	ADV
ejif-12489	178	4	believe	believe	VERB
ejif-12489	178	5	that	that	SCONJ
ejif-12489	178	6	for	for	ADP
ejif-12489	178	7	every	every	DET
ejif-12489	178	8	obstacle	obstacle	NOUN
ejif-12489	178	9	perceived	perceive	VERB
ejif-12489	178	10	as	as	ADP
ejif-12489	178	11	a	a	DET
ejif-12489	178	12	risk	risk	NOUN
ejif-12489	178	13	,	,	PUNCT
ejif-12489	178	14	allah	allah	PROPN
ejif-12489	178	15	swt	swt	PROPN
ejif-12489	178	16	provides	provide	VERB
ejif-12489	178	17	an	an	DET
ejif-12489	178	18	easy	easy	ADJ
ejif-12489	178	19	answer	answer	NOUN
ejif-12489	178	20	.	.	PUNCT
ejif-12489	179	1	this	this	DET
ejif-12489	179	2	concept	concept	NOUN
ejif-12489	179	3	motivates	motivate	VERB
ejif-12489	179	4	individuals	individual	NOUN
ejif-12489	179	5	to	to	PART
ejif-12489	179	6	look	look	VERB
ejif-12489	179	7	for	for	ADP
ejif-12489	179	8	ways	way	NOUN
ejif-12489	179	9	(	(	PUNCT
ejif-12489	179	10	endeavor	endeavor	VERB
ejif-12489	179	11	)	)	PUNCT
ejif-12489	179	12	to	to	PART
ejif-12489	179	13	turn	turn	VERB
ejif-12489	179	14	every	every	DET
ejif-12489	179	15	obstacle	obstacle	NOUN
ejif-12489	179	16	they	they	PRON
ejif-12489	179	17	face	face	VERB
ejif-12489	179	18	into	into	ADP
ejif-12489	179	19	a	a	DET
ejif-12489	179	20	source	source	NOUN
ejif-12489	179	21	of	of	ADP
ejif-12489	179	22	achievement	achievement	NOUN
ejif-12489	179	23	and	and	CCONJ
ejif-12489	179	24	a	a	DET
ejif-12489	179	25	chance	chance	NOUN
ejif-12489	179	26	to	to	PART
ejif-12489	179	27	succeed	succeed	VERB
ejif-12489	179	28	.	.	PUNCT
ejif-12489	180	1	informants	informant	NOUN
ejif-12489	180	2	'	'	PART
ejif-12489	180	3	perceptions	perception	NOUN
ejif-12489	180	4	of	of	ADP
ejif-12489	180	5	the	the	DET
ejif-12489	180	6	concept	concept	NOUN
ejif-12489	180	7	of	of	ADP
ejif-12489	180	8	risk	risk	NOUN
ejif-12489	180	9	contain	contain	VERB
ejif-12489	180	10	a	a	DET
ejif-12489	180	11	broader	broad	ADJ
ejif-12489	180	12	scope	scope	NOUN
ejif-12489	180	13	than	than	ADP
ejif-12489	180	14	existing	exist	VERB
ejif-12489	180	15	definitions	definition	NOUN
ejif-12489	180	16	.	.	PUNCT
ejif-12489	181	1	risk	risk	NOUN
ejif-12489	181	2	identification	identification	NOUN
ejif-12489	181	3	we	we	PRON
ejif-12489	181	4	investigate	investigate	VERB
ejif-12489	181	5	the	the	DET
ejif-12489	181	6	types	type	NOUN
ejif-12489	181	7	of	of	ADP
ejif-12489	181	8	risks	risk	NOUN
ejif-12489	181	9	that	that	PRON
ejif-12489	181	10	exist	exist	VERB
ejif-12489	181	11	in	in	ADP
ejif-12489	181	12	bmt	bmt	PROPN
ejif-12489	181	13	ugt	ugt	PROPN
ejif-12489	181	14	nusantara	nusantara	PROPN
ejif-12489	181	15	.	.	PUNCT
ejif-12489	182	1	the	the	DET
ejif-12489	182	2	informants	informant	NOUN
ejif-12489	182	3	provide	provide	VERB
ejif-12489	182	4	a	a	DET
ejif-12489	182	5	variety	variety	NOUN
ejif-12489	182	6	of	of	ADP
ejif-12489	182	7	answers	answer	NOUN
ejif-12489	182	8	,	,	PUNCT
ejif-12489	182	9	which	which	PRON
ejif-12489	182	10	are	be	AUX
ejif-12489	182	11	presented	present	VERB
ejif-12489	182	12	in	in	ADP
ejif-12489	182	13	table	table	NOUN
ejif-12489	182	14	3	3	NUM
ejif-12489	182	15	.	.	PUNCT
ejif-12489	183	1	european	european	PROPN
ejif-12489	183	2	journal	journal	PROPN
ejif-12489	183	3	of	of	ADP
ejif-12489	183	4	islamic	islamic	PROPN
ejif-12489	183	5	finance	finance	PROPN
ejif-12489	183	6	issn	issn	PROPN
ejif-12489	183	7	:	:	PUNCT
ejif-12489	183	8	2421	2421	NUM
ejif-12489	183	9	-	-	SYM
ejif-12489	183	10	2172	2172	NUM
ejif-12489	183	11	doi	doi	NOUN
ejif-12489	183	12	:	:	PUNCT
ejif-12489	183	13	10.13135/2421	10.13135/2421	NUM
ejif-12489	183	14	-	-	SYM
ejif-12489	183	15	2172/12489	2172/12489	NUM
ejif-12489	183	16	published	publish	VERB
ejif-12489	183	17	by	by	ADP
ejif-12489	183	18	university	university	PROPN
ejif-12489	183	19	of	of	ADP
ejif-12489	183	20	turin	turin	PROPN
ejif-12489	184	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	184	2	ejif	ejif	PROPN
ejif-12489	184	3	content	content	NOUN
ejif-12489	184	4	is	be	AUX
ejif-12489	184	5	licensed	license	VERB
ejif-12489	184	6	under	under	ADP
ejif-12489	184	7	a	a	DET
ejif-12489	184	8	creative	creative	ADJ
ejif-12489	184	9	commons	common	NOUN
ejif-12489	184	10	attribution	attribution	NOUN
ejif-12489	184	11	4.0	4.0	NUM
ejif-12489	184	12	international	international	ADJ
ejif-12489	184	13	license	license	NOUN
ejif-12489	184	14	23	23	NUM
ejif-12489	184	15	table	table	NOUN
ejif-12489	184	16	3	3	NUM
ejif-12489	184	17	.	.	PUNCT
ejif-12489	184	18	risk	risk	NOUN
ejif-12489	184	19	identification	identification	NOUN
ejif-12489	184	20	informant	informant	NOUN
ejif-12489	184	21	risk	risk	NOUN
ejif-12489	184	22	type	type	NOUN
ejif-12489	184	23	answer	answer	NOUN
ejif-12489	184	24	questions	question	NOUN
ejif-12489	184	25	about	about	ADP
ejif-12489	184	26	risk	risk	NOUN
ejif-12489	184	27	identification	identification	NOUN
ejif-12489	184	28	1,3,4,5,6	1,3,4,5,6	NOUN
ejif-12489	184	29	1,3,4,5,8,9	1,3,4,5,8,9	NUM
ejif-12489	184	30	1,2,3,4,5,6	1,2,3,4,5,6	NUM
ejif-12489	184	31	,	,	PUNCT
ejif-12489	184	32	7,8,9,10	7,8,9,10	NUM
ejif-12489	184	33	•	•	NOUN
ejif-12489	184	34	business	business	NOUN
ejif-12489	184	35	risk	risk	NOUN
ejif-12489	184	36	•	•	ADP
ejif-12489	184	37	financial	financial	ADJ
ejif-12489	184	38	risk	risk	NOUN
ejif-12489	184	39	•	•	ADP
ejif-12489	184	40	non	non	ADJ
ejif-12489	184	41	-	-	ADJ
ejif-12489	184	42	financial	financial	ADJ
ejif-12489	184	43	risk	risk	NOUN
ejif-12489	184	44	•	•	NOUN
ejif-12489	184	45	business	business	NOUN
ejif-12489	184	46	risk	risk	NOUN
ejif-12489	184	47	(	(	PUNCT
ejif-12489	184	48	failure	failure	NOUN
ejif-12489	184	49	or	or	CCONJ
ejif-12489	184	50	bankruptcy	bankruptcy	NOUN
ejif-12489	184	51	)	)	PUNCT
ejif-12489	184	52	.	.	PUNCT
ejif-12489	185	1	•	•	NUM
ejif-12489	185	2	risk	risk	NOUN
ejif-12489	185	3	financing	financing	NOUN
ejif-12489	185	4	,	,	PUNCT
ejif-12489	185	5	non	non	ADJ
ejif-12489	185	6	-	-	ADJ
ejif-12489	185	7	performing	performing	ADJ
ejif-12489	185	8	loan	loan	NOUN
ejif-12489	185	9	,	,	PUNCT
ejif-12489	185	10	liquidity	liquidity	NOUN
ejif-12489	185	11	risk	risk	NOUN
ejif-12489	185	12	,	,	PUNCT
ejif-12489	185	13	and	and	CCONJ
ejif-12489	185	14	profit	profit	NOUN
ejif-12489	185	15	margins	margin	NOUN
ejif-12489	185	16	.	.	PUNCT
ejif-12489	186	1	•	•	NUM
ejif-12489	186	2	sharia	sharia	PROPN
ejif-12489	186	3	compliance	compliance	NOUN
ejif-12489	186	4	,	,	PUNCT
ejif-12489	186	5	operational	operational	ADJ
ejif-12489	186	6	risk	risk	NOUN
ejif-12489	186	7	,	,	PUNCT
ejif-12489	186	8	human	human	ADJ
ejif-12489	186	9	resource	resource	NOUN
ejif-12489	186	10	risk	risk	NOUN
ejif-12489	186	11	,	,	PUNCT
ejif-12489	186	12	deaths	death	NOUN
ejif-12489	186	13	,	,	PUNCT
ejif-12489	186	14	accidents	accident	NOUN
ejif-12489	186	15	,	,	PUNCT
ejif-12489	186	16	information	information	NOUN
ejif-12489	186	17	technology	technology	NOUN
ejif-12489	186	18	,	,	PUNCT
ejif-12489	186	19	public	public	ADJ
ejif-12489	186	20	trust	trust	NOUN
ejif-12489	186	21	,	,	PUNCT
ejif-12489	186	22	and	and	CCONJ
ejif-12489	186	23	market	market	NOUN
ejif-12489	186	24	risk	risk	NOUN
ejif-12489	186	25	or	or	CCONJ
ejif-12489	186	26	competition	competition	NOUN
ejif-12489	186	27	.	.	PUNCT
ejif-12489	187	1	source	source	NOUN
ejif-12489	187	2	:	:	PUNCT
ejif-12489	187	3	authors	author	NOUN
ejif-12489	187	4	’	'	PUNCT
ejif-12489	187	5	elaboration	elaboration	VERB
ejif-12489	187	6	the	the	DET
ejif-12489	187	7	findings	finding	NOUN
ejif-12489	187	8	of	of	ADP
ejif-12489	187	9	the	the	DET
ejif-12489	187	10	investigation	investigation	NOUN
ejif-12489	187	11	reveal	reveal	VERB
ejif-12489	187	12	that	that	SCONJ
ejif-12489	187	13	the	the	DET
ejif-12489	187	14	risks	risk	NOUN
ejif-12489	187	15	that	that	PRON
ejif-12489	187	16	develop	develop	VERB
ejif-12489	187	17	at	at	ADP
ejif-12489	187	18	bmt	bmt	PROPN
ejif-12489	187	19	ugt	ugt	PROPN
ejif-12489	187	20	nusantara	nusantara	NOUN
ejif-12489	187	21	,	,	PUNCT
ejif-12489	187	22	in	in	ADP
ejif-12489	187	23	general	general	ADJ
ejif-12489	187	24	,	,	PUNCT
ejif-12489	187	25	are	be	AUX
ejif-12489	187	26	similar	similar	ADJ
ejif-12489	187	27	to	to	ADP
ejif-12489	187	28	those	those	PRON
ejif-12489	187	29	that	that	PRON
ejif-12489	187	30	occur	occur	VERB
ejif-12489	187	31	in	in	ADP
ejif-12489	187	32	other	other	ADJ
ejif-12489	187	33	business	business	NOUN
ejif-12489	187	34	institutions	institution	NOUN
ejif-12489	187	35	,	,	PUNCT
ejif-12489	187	36	namely	namely	ADV
ejif-12489	187	37	business	business	NOUN
ejif-12489	187	38	risks	risk	NOUN
ejif-12489	187	39	,	,	PUNCT
ejif-12489	187	40	financial	financial	ADJ
ejif-12489	187	41	risks	risk	NOUN
ejif-12489	187	42	,	,	PUNCT
ejif-12489	187	43	and	and	CCONJ
ejif-12489	187	44	non	non	ADJ
ejif-12489	187	45	-	-	ADJ
ejif-12489	187	46	financial	financial	ADJ
ejif-12489	187	47	risks	risk	NOUN
ejif-12489	187	48	.	.	PUNCT
ejif-12489	188	1	according	accord	VERB
ejif-12489	188	2	to	to	ADP
ejif-12489	188	3	the	the	DET
ejif-12489	188	4	informants	informant	NOUN
ejif-12489	188	5	,	,	PUNCT
ejif-12489	188	6	business	business	NOUN
ejif-12489	188	7	risks	risk	NOUN
ejif-12489	188	8	are	be	AUX
ejif-12489	188	9	intimately	intimately	ADV
ejif-12489	188	10	tied	tie	VERB
ejif-12489	188	11	to	to	PART
ejif-12489	188	12	bmt	bmt	VERB
ejif-12489	188	13	ugt	ugt	PROPN
ejif-12489	188	14	nusantara	nusantara	PROPN
ejif-12489	188	15	's	's	PART
ejif-12489	188	16	overall	overall	ADJ
ejif-12489	188	17	business	business	NOUN
ejif-12489	188	18	activity	activity	NOUN
ejif-12489	188	19	.	.	PUNCT
ejif-12489	189	1	financial	financial	ADJ
ejif-12489	189	2	risks	risk	NOUN
ejif-12489	189	3	include	include	VERB
ejif-12489	189	4	the	the	DET
ejif-12489	189	5	risk	risk	NOUN
ejif-12489	189	6	of	of	ADP
ejif-12489	189	7	failure	failure	NOUN
ejif-12489	189	8	(	(	PUNCT
ejif-12489	189	9	bad	bad	ADJ
ejif-12489	189	10	loans	loan	NOUN
ejif-12489	189	11	)	)	PUNCT
ejif-12489	189	12	,	,	PUNCT
ejif-12489	189	13	reduced	reduce	VERB
ejif-12489	189	14	profit	profit	NOUN
ejif-12489	189	15	margins	margin	NOUN
ejif-12489	189	16	,	,	PUNCT
ejif-12489	189	17	and	and	CCONJ
ejif-12489	189	18	liquidity	liquidity	NOUN
ejif-12489	189	19	risk	risk	NOUN
ejif-12489	189	20	,	,	PUNCT
ejif-12489	189	21	whereas	whereas	SCONJ
ejif-12489	189	22	operational	operational	ADJ
ejif-12489	189	23	and	and	CCONJ
ejif-12489	189	24	human	human	ADJ
ejif-12489	189	25	resource	resource	NOUN
ejif-12489	189	26	risks	risk	NOUN
ejif-12489	189	27	are	be	AUX
ejif-12489	189	28	nonfinancial	nonfinancial	ADJ
ejif-12489	189	29	.	.	PUNCT
ejif-12489	190	1	other	other	ADJ
ejif-12489	190	2	informants	informant	NOUN
ejif-12489	190	3	mention	mention	VERB
ejif-12489	190	4	various	various	ADJ
ejif-12489	190	5	risks	risk	NOUN
ejif-12489	190	6	,	,	PUNCT
ejif-12489	190	7	including	include	VERB
ejif-12489	190	8	death	death	NOUN
ejif-12489	190	9	,	,	PUNCT
ejif-12489	190	10	accidents	accident	NOUN
ejif-12489	190	11	,	,	PUNCT
ejif-12489	190	12	information	information	NOUN
ejif-12489	190	13	technology	technology	NOUN
ejif-12489	190	14	issues	issue	NOUN
ejif-12489	190	15	,	,	PUNCT
ejif-12489	190	16	public	public	ADJ
ejif-12489	190	17	trust	trust	NOUN
ejif-12489	190	18	,	,	PUNCT
ejif-12489	190	19	and	and	CCONJ
ejif-12489	190	20	market	market	NOUN
ejif-12489	190	21	concerns	concern	NOUN
ejif-12489	190	22	.	.	PUNCT
ejif-12489	191	1	according	accord	VERB
ejif-12489	191	2	to	to	PART
ejif-12489	191	3	bmt	bmt	VERB
ejif-12489	191	4	ugt	ugt	PROPN
ejif-12489	191	5	nusantara	nusantara	PROPN
ejif-12489	191	6	managers	manager	NOUN
ejif-12489	191	7	,	,	PUNCT
ejif-12489	191	8	such	such	ADJ
ejif-12489	191	9	risks	risk	NOUN
ejif-12489	191	10	are	be	AUX
ejif-12489	191	11	considered	consider	VERB
ejif-12489	191	12	both	both	DET
ejif-12489	191	13	material	material	NOUN
ejif-12489	191	14	and	and	CCONJ
ejif-12489	191	15	short	short	ADJ
ejif-12489	191	16	-	-	PUNCT
ejif-12489	191	17	term	term	NOUN
ejif-12489	191	18	.	.	PUNCT
ejif-12489	192	1	furthermore	furthermore	ADV
ejif-12489	192	2	,	,	PUNCT
ejif-12489	192	3	there	there	PRON
ejif-12489	192	4	are	be	VERB
ejif-12489	192	5	major	major	ADJ
ejif-12489	192	6	concerns	concern	NOUN
ejif-12489	192	7	in	in	ADP
ejif-12489	192	8	this	this	DET
ejif-12489	192	9	business	business	NOUN
ejif-12489	192	10	,	,	PUNCT
ejif-12489	192	11	including	include	VERB
ejif-12489	192	12	sharia	sharia	PROPN
ejif-12489	192	13	risk	risk	NOUN
ejif-12489	192	14	.	.	PUNCT
ejif-12489	193	1	among	among	ADP
ejif-12489	193	2	the	the	DET
ejif-12489	193	3	many	many	ADJ
ejif-12489	193	4	risks	risk	NOUN
ejif-12489	193	5	indicated	indicate	VERB
ejif-12489	193	6	by	by	ADP
ejif-12489	193	7	the	the	DET
ejif-12489	193	8	informants	informant	NOUN
ejif-12489	193	9	,	,	PUNCT
ejif-12489	193	10	three	three	NUM
ejif-12489	193	11	emerged	emerge	VERB
ejif-12489	193	12	as	as	ADP
ejif-12489	193	13	the	the	DET
ejif-12489	193	14	most	most	ADV
ejif-12489	193	15	significant	significant	ADJ
ejif-12489	193	16	:	:	PUNCT
ejif-12489	193	17	financial	financial	ADJ
ejif-12489	193	18	risk	risk	NOUN
ejif-12489	193	19	,	,	PUNCT
ejif-12489	193	20	liquidity	liquidity	NOUN
ejif-12489	193	21	risk	risk	NOUN
ejif-12489	193	22	,	,	PUNCT
ejif-12489	193	23	and	and	CCONJ
ejif-12489	193	24	sharia	sharia	PROPN
ejif-12489	193	25	compliance	compliance	NOUN
ejif-12489	193	26	risk	risk	NOUN
ejif-12489	193	27	.	.	PUNCT
ejif-12489	194	1	risk	risk	NOUN
ejif-12489	194	2	mitigation	mitigation	NOUN
ejif-12489	194	3	informants	informant	NOUN
ejif-12489	194	4	understood	understand	VERB
ejif-12489	194	5	that	that	SCONJ
ejif-12489	194	6	potential	potential	ADJ
ejif-12489	194	7	risks	risk	NOUN
ejif-12489	194	8	must	must	AUX
ejif-12489	194	9	be	be	AUX
ejif-12489	194	10	anticipated	anticipate	VERB
ejif-12489	194	11	,	,	PUNCT
ejif-12489	194	12	necessitating	necessitate	VERB
ejif-12489	194	13	the	the	DET
ejif-12489	194	14	implementation	implementation	NOUN
ejif-12489	194	15	of	of	ADP
ejif-12489	194	16	strategic	strategic	ADJ
ejif-12489	194	17	and	and	CCONJ
ejif-12489	194	18	technical	technical	ADJ
ejif-12489	194	19	precautions	precaution	NOUN
ejif-12489	194	20	.	.	PUNCT
ejif-12489	195	1	table	table	NOUN
ejif-12489	195	2	4	4	NUM
ejif-12489	195	3	presents	present	VERB
ejif-12489	195	4	the	the	DET
ejif-12489	195	5	informants	informant	NOUN
ejif-12489	195	6	'	'	PART
ejif-12489	195	7	responses	response	NOUN
ejif-12489	195	8	to	to	PART
ejif-12489	195	9	risk	risk	NOUN
ejif-12489	195	10	mitigation	mitigation	NOUN
ejif-12489	195	11	.	.	PUNCT
ejif-12489	196	1	table	table	NOUN
ejif-12489	196	2	4	4	NUM
ejif-12489	196	3	.	.	PUNCT
ejif-12489	196	4	risk	risk	NOUN
ejif-12489	196	5	mitigation	mitigation	NOUN
ejif-12489	196	6	informant	informant	NOUN
ejif-12489	196	7	steps	step	NOUN
ejif-12489	196	8	answering	answer	VERB
ejif-12489	196	9	questions	question	NOUN
ejif-12489	196	10	about	about	ADP
ejif-12489	196	11	risk	risk	NOUN
ejif-12489	196	12	mitigation	mitigation	NOUN
ejif-12489	196	13	1	1	NUM
ejif-12489	196	14	1,2,3,4,5,6	1,2,3,4,5,6	NUM
ejif-12489	196	15	,	,	PUNCT
ejif-12489	196	16	8,9,10,12,16	8,9,10,12,16	NUM
ejif-12489	196	17	•	•	NUM
ejif-12489	196	18	strategic	strategic	ADJ
ejif-12489	196	19	•	•	NUM
ejif-12489	196	20	technical	technical	ADJ
ejif-12489	196	21	•	•	NOUN
ejif-12489	196	22	risk	risk	NOUN
ejif-12489	196	23	control	control	NOUN
ejif-12489	196	24	manager	manager	NOUN
ejif-12489	196	25	.	.	PUNCT
ejif-12489	197	1	•	•	NOUN
ejif-12489	197	2	customer	customer	NOUN
ejif-12489	197	3	analysis	analysis	NOUN
ejif-12489	197	4	using	use	VERB
ejif-12489	197	5	the	the	DET
ejif-12489	197	6	5	5	NUM
ejif-12489	197	7	c	c	NOUN
ejif-12489	197	8	approach	approach	NOUN
ejif-12489	197	9	(	(	PUNCT
ejif-12489	197	10	character	character	NOUN
ejif-12489	197	11	,	,	PUNCT
ejif-12489	197	12	capacity	capacity	NOUN
ejif-12489	197	13	,	,	PUNCT
ejif-12489	197	14	capital	capital	NOUN
ejif-12489	197	15	,	,	PUNCT
ejif-12489	197	16	collateral	collateral	NOUN
ejif-12489	197	17	,	,	PUNCT
ejif-12489	197	18	and	and	CCONJ
ejif-12489	197	19	condition	condition	NOUN
ejif-12489	197	20	)	)	PUNCT
ejif-12489	197	21	;	;	PUNCT
ejif-12489	197	22	risk	risk	NOUN
ejif-12489	197	23	reserves	reserve	NOUN
ejif-12489	197	24	for	for	ADP
ejif-12489	197	25	each	each	DET
ejif-12489	197	26	financing	financing	NOUN
ejif-12489	197	27	,	,	PUNCT
ejif-12489	197	28	financing	finance	VERB
ejif-12489	197	29	revitalization	revitalization	ADJ
ejif-12489	197	30	schemes	scheme	NOUN
ejif-12489	197	31	through	through	ADP
ejif-12489	197	32	rescheduling	rescheduling	NOUN
ejif-12489	197	33	,	,	PUNCT
ejif-12489	197	34	restructuring	restructuring	NOUN
ejif-12489	197	35	,	,	PUNCT
ejif-12489	197	36	or	or	CCONJ
ejif-12489	197	37	collateral	collateral	ADJ
ejif-12489	197	38	takeover	takeover	NOUN
ejif-12489	197	39	,	,	PUNCT
ejif-12489	197	40	savings	saving	NOUN
ejif-12489	197	41	withdrawals	withdrawal	NOUN
ejif-12489	197	42	must	must	AUX
ejif-12489	197	43	be	be	AUX
ejif-12489	197	44	made	make	VERB
ejif-12489	197	45	through	through	ADP
ejif-12489	197	46	tellers	teller	NOUN
ejif-12489	197	47	during	during	ADP
ejif-12489	197	48	operating	operate	VERB
ejif-12489	197	49	hours	hour	NOUN
ejif-12489	197	50	,	,	PUNCT
ejif-12489	197	51	withdrawals	withdrawal	NOUN
ejif-12489	197	52	above	above	ADP
ejif-12489	197	53	rp	rp	NOUN
ejif-12489	197	54	.	.	PROPN
ejif-12489	198	1	10	10	NUM
ejif-12489	198	2	million	million	NUM
ejif-12489	198	3	must	must	AUX
ejif-12489	198	4	be	be	AUX
ejif-12489	198	5	confirmed	confirm	VERB
ejif-12489	198	6	the	the	DET
ejif-12489	198	7	day	day	NOUN
ejif-12489	198	8	before	before	ADV
ejif-12489	198	9	,	,	PUNCT
ejif-12489	198	10	control	control	NOUN
ejif-12489	198	11	or	or	CCONJ
ejif-12489	198	12	limitation	limitation	NOUN
ejif-12489	198	13	of	of	ADP
ejif-12489	198	14	cash	cash	NOUN
ejif-12489	198	15	available	available	ADJ
ejif-12489	198	16	at	at	ADP
ejif-12489	198	17	each	each	DET
ejif-12489	198	18	branch	branch	NOUN
ejif-12489	198	19	office	office	NOUN
ejif-12489	198	20	,	,	PUNCT
ejif-12489	198	21	collateral	collateral	ADJ
ejif-12489	198	22	binding	binding	ADJ
ejif-12489	198	23	and	and	CCONJ
ejif-12489	198	24	legal	legal	ADJ
ejif-12489	198	25	completeness	completeness	NOUN
ejif-12489	198	26	,	,	PUNCT
ejif-12489	198	27	standard	standard	ADJ
ejif-12489	198	28	operating	operating	NOUN
ejif-12489	198	29	procedures	procedure	NOUN
ejif-12489	198	30	,	,	PUNCT
ejif-12489	198	31	takaful	takaful	ADJ
ejif-12489	198	32	(	(	PUNCT
ejif-12489	198	33	insurance	insurance	NOUN
ejif-12489	198	34	)	)	PUNCT
ejif-12489	198	35	,	,	PUNCT
ejif-12489	198	36	internal	internal	ADJ
ejif-12489	198	37	control	control	NOUN
ejif-12489	198	38	unit	unit	NOUN
ejif-12489	198	39	,	,	PUNCT
ejif-12489	198	40	public	public	ADJ
ejif-12489	198	41	accounting	accounting	NOUN
ejif-12489	198	42	firm	firm	NOUN
ejif-12489	198	43	audit	audit	NOUN
ejif-12489	198	44	,	,	PUNCT
ejif-12489	198	45	fiqh	fiqh	PROPN
ejif-12489	198	46	muamalat	muamalat	NOUN
ejif-12489	198	47	practice	practice	NOUN
ejif-12489	198	48	,	,	PUNCT
ejif-12489	198	49	strengthening	strengthen	VERB
ejif-12489	198	50	the	the	DET
ejif-12489	198	51	role	role	NOUN
ejif-12489	198	52	of	of	ADP
ejif-12489	198	53	the	the	DET
ejif-12489	198	54	sharia	sharia	PROPN
ejif-12489	198	55	supervisory	supervisory	ADJ
ejif-12489	198	56	board	board	NOUN
ejif-12489	198	57	(	(	PUNCT
ejif-12489	198	58	ssb	ssb	PROPN
ejif-12489	198	59	)	)	PUNCT
ejif-12489	198	60	of	of	ADP
ejif-12489	198	61	bmt	bmt	VERB
ejif-12489	198	62	ugt	ugt	PROPN
ejif-12489	198	63	nusantara	nusantara	NOUN
ejif-12489	198	64	,	,	PUNCT
ejif-12489	198	65	each	each	DET
ejif-12489	198	66	branch	branch	NOUN
ejif-12489	198	67	head	head	NOUN
ejif-12489	198	68	plays	play	VERB
ejif-12489	198	69	a	a	DET
ejif-12489	198	70	role	role	NOUN
ejif-12489	198	71	as	as	ADP
ejif-12489	198	72	ssb	ssb	PROPN
ejif-12489	198	73	,	,	PUNCT
ejif-12489	198	74	information	information	NOUN
ejif-12489	198	75	system	system	NOUN
ejif-12489	198	76	training	training	NOUN
ejif-12489	198	77	program	program	NOUN
ejif-12489	198	78	,	,	PUNCT
ejif-12489	198	79	contract	contract	NOUN
ejif-12489	198	80	training	training	NOUN
ejif-12489	198	81	,	,	PUNCT
ejif-12489	198	82	contract	contract	NOUN
ejif-12489	198	83	certification	certification	NOUN
ejif-12489	198	84	test	test	NOUN
ejif-12489	198	85	and	and	CCONJ
ejif-12489	198	86	comprehensive	comprehensive	ADJ
ejif-12489	198	87	managerial	managerial	ADJ
ejif-12489	198	88	system	system	NOUN
ejif-12489	198	89	,	,	PUNCT
ejif-12489	198	90	strengthening	strengthen	VERB
ejif-12489	198	91	spirituality	spirituality	NOUN
ejif-12489	198	92	.	.	PUNCT
ejif-12489	199	1	source	source	NOUN
ejif-12489	199	2	:	:	PUNCT
ejif-12489	199	3	authors	author	NOUN
ejif-12489	199	4	’	’	PART
ejif-12489	199	5	elaboration	elaboration	NOUN
ejif-12489	199	6	investigations	investigation	NOUN
ejif-12489	199	7	on	on	ADP
ejif-12489	199	8	risk	risk	NOUN
ejif-12489	199	9	mitigation	mitigation	NOUN
ejif-12489	199	10	practices	practice	NOUN
ejif-12489	199	11	at	at	ADP
ejif-12489	199	12	bmt	bmt	PROPN
ejif-12489	199	13	ugt	ugt	PROPN
ejif-12489	199	14	nusantara	nusantara	PROPN
ejif-12489	199	15	yielded	yield	VERB
ejif-12489	199	16	various	various	ADJ
ejif-12489	199	17	strategic	strategic	ADJ
ejif-12489	199	18	and	and	CCONJ
ejif-12489	199	19	technical	technical	ADJ
ejif-12489	199	20	recommendations	recommendation	NOUN
ejif-12489	199	21	.	.	PUNCT
ejif-12489	200	1	in	in	ADP
ejif-12489	200	2	strategic	strategic	ADJ
ejif-12489	200	3	steps	step	NOUN
ejif-12489	200	4	,	,	PUNCT
ejif-12489	200	5	the	the	DET
ejif-12489	200	6	risk	risk	NOUN
ejif-12489	200	7	control	control	NOUN
ejif-12489	200	8	manager	manager	NOUN
ejif-12489	200	9	is	be	AUX
ejif-12489	200	10	primarily	primarily	ADV
ejif-12489	200	11	responsible	responsible	ADJ
ejif-12489	200	12	for	for	ADP
ejif-12489	200	13	risk	risk	NOUN
ejif-12489	200	14	management	management	NOUN
ejif-12489	200	15	,	,	PUNCT
ejif-12489	200	16	which	which	PRON
ejif-12489	200	17	is	be	AUX
ejif-12489	200	18	governed	govern	VERB
ejif-12489	200	19	by	by	ADP
ejif-12489	200	20	a	a	DET
ejif-12489	200	21	set	set	NOUN
ejif-12489	200	22	of	of	ADP
ejif-12489	200	23	regulations	regulation	NOUN
ejif-12489	200	24	.	.	PUNCT
ejif-12489	201	1	at	at	ADP
ejif-12489	201	2	the	the	DET
ejif-12489	201	3	technical	technical	ADJ
ejif-12489	201	4	level	level	NOUN
ejif-12489	201	5	,	,	PUNCT
ejif-12489	201	6	it	it	PRON
ejif-12489	201	7	refers	refer	VERB
ejif-12489	201	8	to	to	ADP
ejif-12489	201	9	the	the	DET
ejif-12489	201	10	types	type	NOUN
ejif-12489	201	11	of	of	ADP
ejif-12489	201	12	dangers	danger	NOUN
ejif-12489	201	13	that	that	PRON
ejif-12489	201	14	arise	arise	VERB
ejif-12489	201	15	.	.	PUNCT
ejif-12489	202	1	for	for	ADP
ejif-12489	202	2	example	example	NOUN
ejif-12489	202	3	,	,	PUNCT
ejif-12489	202	4	mitigation	mitigation	NOUN
ejif-12489	202	5	strategies	strategy	NOUN
ejif-12489	202	6	for	for	ADP
ejif-12489	202	7	financing	financing	NOUN
ejif-12489	202	8	risks	risk	NOUN
ejif-12489	202	9	include	include	VERB
ejif-12489	202	10	monitoring	monitor	VERB
ejif-12489	202	11	client	client	NOUN
ejif-12489	202	12	conditions	condition	NOUN
ejif-12489	202	13	,	,	PUNCT
ejif-12489	202	14	analyzing	analyze	VERB
ejif-12489	202	15	the	the	DET
ejif-12489	202	16	ability	ability	NOUN
ejif-12489	202	17	to	to	PART
ejif-12489	202	18	pay	pay	VERB
ejif-12489	202	19	on	on	ADP
ejif-12489	202	20	time	time	NOUN
ejif-12489	202	21	,	,	PUNCT
ejif-12489	202	22	assessing	assess	VERB
ejif-12489	202	23	the	the	DET
ejif-12489	202	24	collateral	collateral	NOUN
ejif-12489	202	25	provided	provide	VERB
ejif-12489	202	26	,	,	PUNCT
ejif-12489	202	27	and	and	CCONJ
ejif-12489	202	28	implementing	implement	VERB
ejif-12489	202	29	preventive	preventive	ADJ
ejif-12489	202	30	actions	action	NOUN
ejif-12489	202	31	such	such	ADJ
ejif-12489	202	32	as	as	ADP
ejif-12489	202	33	evaluating	evaluate	VERB
ejif-12489	202	34	the	the	DET
ejif-12489	202	35	5	5	NUM
ejif-12489	202	36	c	c	PROPN
ejif-12489	202	37	’s	’s	PART
ejif-12489	202	38	(	(	PUNCT
ejif-12489	202	39	character	character	NOUN
ejif-12489	202	40	,	,	PUNCT
ejif-12489	202	41	capacity	capacity	NOUN
ejif-12489	202	42	,	,	PUNCT
ejif-12489	202	43	capital	capital	NOUN
ejif-12489	202	44	,	,	PUNCT
ejif-12489	202	45	collateral	collateral	NOUN
ejif-12489	202	46	,	,	PUNCT
ejif-12489	202	47	and	and	CCONJ
ejif-12489	202	48	condition	condition	NOUN
ejif-12489	202	49	)	)	PUNCT
ejif-12489	202	50	.	.	PUNCT
ejif-12489	203	1	a	a	DET
ejif-12489	203	2	risk	risk	NOUN
ejif-12489	203	3	reserve	reserve	NOUN
ejif-12489	203	4	of	of	ADP
ejif-12489	203	5	0.5	0.5	NUM
ejif-12489	203	6	%	%	NOUN
ejif-12489	203	7	of	of	ADP
ejif-12489	203	8	each	each	DET
ejif-12489	203	9	loan	loan	NOUN
ejif-12489	203	10	is	be	AUX
ejif-12489	203	11	established	establish	VERB
ejif-12489	203	12	.	.	PUNCT
ejif-12489	204	1	a	a	DET
ejif-12489	204	2	financial	financial	ADJ
ejif-12489	204	3	rejuvenation	rejuvenation	NOUN
ejif-12489	204	4	plan	plan	NOUN
ejif-12489	204	5	is	be	AUX
ejif-12489	204	6	implemented	implement	VERB
ejif-12489	204	7	through	through	ADP
ejif-12489	204	8	rescheduling	rescheduling	NOUN
ejif-12489	204	9	,	,	PUNCT
ejif-12489	204	10	restructuring	restructuring	NOUN
ejif-12489	204	11	,	,	PUNCT
ejif-12489	204	12	or	or	CCONJ
ejif-12489	204	13	collateral	collateral	ADJ
ejif-12489	204	14	takeover	takeover	NOUN
ejif-12489	204	15	.	.	PUNCT
ejif-12489	205	1	to	to	PART
ejif-12489	205	2	mitigate	mitigate	VERB
ejif-12489	205	3	liquidity	liquidity	NOUN
ejif-12489	205	4	risk	risk	NOUN
ejif-12489	205	5	,	,	PUNCT
ejif-12489	205	6	a	a	DET
ejif-12489	205	7	rule	rule	NOUN
ejif-12489	205	8	is	be	AUX
ejif-12489	205	9	in	in	ADP
ejif-12489	205	10	place	place	NOUN
ejif-12489	205	11	that	that	PRON
ejif-12489	205	12	requires	require	VERB
ejif-12489	205	13	savings	saving	NOUN
ejif-12489	205	14	withdrawals	withdrawal	NOUN
ejif-12489	205	15	to	to	PART
ejif-12489	205	16	be	be	AUX
ejif-12489	205	17	conducted	conduct	VERB
ejif-12489	205	18	through	through	ADP
ejif-12489	205	19	tellers	teller	NOUN
ejif-12489	205	20	during	during	ADP
ejif-12489	205	21	business	business	NOUN
ejif-12489	205	22	hours	hour	NOUN
ejif-12489	205	23	,	,	PUNCT
ejif-12489	205	24	rather	rather	ADV
ejif-12489	205	25	than	than	ADP
ejif-12489	205	26	through	through	ADP
ejif-12489	205	27	account	account	NOUN
ejif-12489	205	28	officers	officer	NOUN
ejif-12489	205	29	or	or	CCONJ
ejif-12489	205	30	field	field	NOUN
ejif-12489	205	31	workers	worker	NOUN
ejif-12489	205	32	.	.	PUNCT
ejif-12489	206	1	furthermore	furthermore	ADV
ejif-12489	206	2	,	,	PUNCT
ejif-12489	206	3	withdrawals	withdrawal	NOUN
ejif-12489	206	4	above	above	ADP
ejif-12489	206	5	idr	idr	PROPN
ejif-12489	206	6	10	10	NUM
ejif-12489	206	7	million	million	NUM
ejif-12489	206	8	must	must	AUX
ejif-12489	206	9	be	be	AUX
ejif-12489	206	10	confirmed	confirm	VERB
ejif-12489	206	11	the	the	DET
ejif-12489	206	12	day	day	NOUN
ejif-12489	206	13	before	before	ADV
ejif-12489	206	14	,	,	PUNCT
ejif-12489	206	15	either	either	CCONJ
ejif-12489	206	16	by	by	ADP
ejif-12489	206	17	a	a	DET
ejif-12489	206	18	person	person	NOUN
ejif-12489	206	19	in	in	ADP
ejif-12489	206	20	an	an	DET
ejif-12489	206	21	officer	officer	NOUN
ejif-12489	206	22	position	position	NOUN
ejif-12489	206	23	,	,	PUNCT
ejif-12489	206	24	or	or	CCONJ
ejif-12489	206	25	over	over	ADP
ejif-12489	206	26	the	the	DET
ejif-12489	206	27	phone	phone	NOUN
ejif-12489	206	28	.	.	PUNCT
ejif-12489	207	1	other	other	ADJ
ejif-12489	207	2	mitigation	mitigation	NOUN
ejif-12489	207	3	strategies	strategy	NOUN
ejif-12489	207	4	for	for	ADP
ejif-12489	207	5	inter	inter	ADJ
ejif-12489	207	6	-	-	ADJ
ejif-12489	207	7	branch	branch	ADJ
ejif-12489	207	8	and	and	CCONJ
ejif-12489	207	9	head	head	NOUN
ejif-12489	207	10	office	office	NOUN
ejif-12489	207	11	activity	activity	NOUN
ejif-12489	207	12	include	include	VERB
ejif-12489	207	13	regulating	regulate	VERB
ejif-12489	207	14	or	or	CCONJ
ejif-12489	207	15	limiting	limit	VERB
ejif-12489	207	16	cash	cash	NOUN
ejif-12489	207	17	availability	availability	NOUN
ejif-12489	207	18	at	at	ADP
ejif-12489	207	19	each	each	DET
ejif-12489	207	20	branch	branch	NOUN
ejif-12489	207	21	and	and	CCONJ
ejif-12489	207	22	reporting	report	VERB
ejif-12489	207	23	it	it	PRON
ejif-12489	207	24	to	to	ADP
ejif-12489	207	25	the	the	DET
ejif-12489	207	26	head	head	NOUN
ejif-12489	207	27	office	office	NOUN
ejif-12489	207	28	to	to	PART
ejif-12489	207	29	prevent	prevent	VERB
ejif-12489	207	30	theft	theft	NOUN
ejif-12489	207	31	.	.	PUNCT
ejif-12489	208	1	sharia	sharia	PROPN
ejif-12489	208	2	compliance	compliance	NOUN
ejif-12489	208	3	risks	risk	NOUN
ejif-12489	208	4	are	be	AUX
ejif-12489	208	5	fully	fully	ADV
ejif-12489	208	6	foreseen	foresee	VERB
ejif-12489	208	7	.	.	PUNCT
ejif-12489	209	1	the	the	DET
ejif-12489	209	2	research	research	NOUN
ejif-12489	209	3	also	also	ADV
ejif-12489	209	4	revealed	reveal	VERB
ejif-12489	209	5	that	that	SCONJ
ejif-12489	209	6	to	to	PART
ejif-12489	209	7	enable	enable	VERB
ejif-12489	209	8	successful	successful	ADJ
ejif-12489	209	9	sharia	sharia	PROPN
ejif-12489	209	10	compliance	compliance	NOUN
ejif-12489	209	11	,	,	PUNCT
ejif-12489	209	12	the	the	DET
ejif-12489	209	13	sharia	sharia	PROPN
ejif-12489	209	14	supervisory	supervisory	ADJ
ejif-12489	209	15	board	board	NOUN
ejif-12489	209	16	(	(	PUNCT
ejif-12489	209	17	ssb	ssb	PROPN
ejif-12489	209	18	)	)	PUNCT
ejif-12489	209	19	at	at	ADP
ejif-12489	209	20	bmt	bmt	PROPN
ejif-12489	209	21	ugt	ugt	PROPN
ejif-12489	209	22	nusantara	nusantara	PROPN
ejif-12489	209	23	must	must	AUX
ejif-12489	209	24	perform	perform	VERB
ejif-12489	209	25	optimally	optimally	ADV
ejif-12489	209	26	.	.	PUNCT
ejif-12489	210	1	in	in	ADP
ejif-12489	210	2	addition	addition	NOUN
ejif-12489	210	3	to	to	ADP
ejif-12489	210	4	european	european	ADJ
ejif-12489	210	5	journal	journal	PROPN
ejif-12489	210	6	of	of	ADP
ejif-12489	210	7	islamic	islamic	PROPN
ejif-12489	210	8	finance	finance	PROPN
ejif-12489	210	9	issn	issn	PROPN
ejif-12489	210	10	:	:	PUNCT
ejif-12489	210	11	2421	2421	NUM
ejif-12489	210	12	-	-	SYM
ejif-12489	210	13	2172	2172	NUM
ejif-12489	210	14	doi	doi	NOUN
ejif-12489	210	15	:	:	PUNCT
ejif-12489	210	16	10.13135/2421	10.13135/2421	NUM
ejif-12489	210	17	-	-	SYM
ejif-12489	210	18	2172/12489	2172/12489	NUM
ejif-12489	210	19	published	publish	VERB
ejif-12489	210	20	by	by	ADP
ejif-12489	210	21	university	university	PROPN
ejif-12489	210	22	of	of	ADP
ejif-12489	210	23	turin	turin	PROPN
ejif-12489	210	24	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	210	25	ejif	ejif	PROPN
ejif-12489	210	26	content	content	NOUN
ejif-12489	210	27	is	be	AUX
ejif-12489	210	28	licensed	license	VERB
ejif-12489	210	29	under	under	ADP
ejif-12489	210	30	a	a	DET
ejif-12489	210	31	creative	creative	ADJ
ejif-12489	210	32	commons	common	NOUN
ejif-12489	210	33	attribution	attribution	NOUN
ejif-12489	210	34	4.0	4.0	NUM
ejif-12489	210	35	international	international	ADJ
ejif-12489	210	36	license	license	NOUN
ejif-12489	210	37	24	24	NUM
ejif-12489	210	38	ensuring	ensure	VERB
ejif-12489	210	39	excellent	excellent	ADJ
ejif-12489	210	40	governance	governance	NOUN
ejif-12489	210	41	,	,	PUNCT
ejif-12489	210	42	each	each	DET
ejif-12489	210	43	branch	branch	NOUN
ejif-12489	210	44	manager	manager	NOUN
ejif-12489	210	45	serves	serve	VERB
ejif-12489	210	46	as	as	ADP
ejif-12489	210	47	an	an	DET
ejif-12489	210	48	ssb	ssb	PROPN
ejif-12489	210	49	,	,	PUNCT
ejif-12489	210	50	which	which	PRON
ejif-12489	210	51	requires	require	VERB
ejif-12489	210	52	technical	technical	ADJ
ejif-12489	210	53	training	training	NOUN
ejif-12489	210	54	and	and	CCONJ
ejif-12489	210	55	passing	pass	VERB
ejif-12489	210	56	contract	contract	NOUN
ejif-12489	210	57	certification	certification	NOUN
ejif-12489	210	58	.	.	PUNCT
ejif-12489	211	1	the	the	DET
ejif-12489	211	2	impact	impact	NOUN
ejif-12489	211	3	of	of	ADP
ejif-12489	211	4	risk	risk	NOUN
ejif-12489	211	5	management	management	NOUN
ejif-12489	211	6	good	good	ADJ
ejif-12489	211	7	risk	risk	NOUN
ejif-12489	211	8	management	management	NOUN
ejif-12489	211	9	improves	improve	VERB
ejif-12489	211	10	the	the	DET
ejif-12489	211	11	performance	performance	NOUN
ejif-12489	211	12	of	of	ADP
ejif-12489	211	13	financial	financial	ADJ
ejif-12489	211	14	institutions	institution	NOUN
ejif-12489	211	15	.	.	PUNCT
ejif-12489	212	1	this	this	DET
ejif-12489	212	2	finding	finding	NOUN
ejif-12489	212	3	is	be	AUX
ejif-12489	212	4	supported	support	VERB
ejif-12489	212	5	by	by	ADP
ejif-12489	212	6	other	other	ADJ
ejif-12489	212	7	informants	informant	NOUN
ejif-12489	212	8	’	’	PART
ejif-12489	212	9	responses	response	NOUN
ejif-12489	212	10	,	,	PUNCT
ejif-12489	212	11	as	as	SCONJ
ejif-12489	212	12	indicated	indicate	VERB
ejif-12489	212	13	in	in	ADP
ejif-12489	212	14	table	table	NOUN
ejif-12489	212	15	5	5	NUM
ejif-12489	212	16	below	below	ADV
ejif-12489	212	17	.	.	PUNCT
ejif-12489	213	1	table	table	NOUN
ejif-12489	213	2	5	5	NUM
ejif-12489	213	3	.	.	PUNCT
ejif-12489	214	1	impact	impact	NOUN
ejif-12489	214	2	of	of	ADP
ejif-12489	214	3	risk	risk	NOUN
ejif-12489	214	4	management	management	NOUN
ejif-12489	214	5	practices	practice	NOUN
ejif-12489	214	6	informant	informant	NOUN
ejif-12489	214	7	risk	risk	NOUN
ejif-12489	214	8	management	management	NOUN
ejif-12489	214	9	impact	impact	NOUN
ejif-12489	214	10	answers	answer	NOUN
ejif-12489	214	11	to	to	ADP
ejif-12489	214	12	questions	question	NOUN
ejif-12489	214	13	about	about	ADP
ejif-12489	214	14	risk	risk	NOUN
ejif-12489	214	15	management	management	NOUN
ejif-12489	214	16	impact	impact	NOUN
ejif-12489	214	17	1,3,4,5,8,9	1,3,4,5,8,9	NUM
ejif-12489	214	18	1,3,4,5,7	1,3,4,5,7	NUM
ejif-12489	214	19	1,3,4	1,3,4	NUM
ejif-12489	214	20	1,3,5	1,3,5	NUM
ejif-12489	214	21	1,3,4,5,6	1,3,4,5,6	NUM
ejif-12489	214	22	3,4,5,14,15	3,4,5,14,15	NUM
ejif-12489	214	23	1,2,4,5,7,8	1,2,4,5,7,8	NUM
ejif-12489	214	24	1,2,4,7,9	1,2,4,7,9	NOUN
ejif-12489	214	25	2,3,4,6,11,12	2,3,4,6,11,12	NUM
ejif-12489	214	26	•	•	NOUN
ejif-12489	214	27	financial	financial	ADJ
ejif-12489	214	28	performance	performance	NOUN
ejif-12489	214	29	•	•	ADP
ejif-12489	214	30	organizational	organizational	ADJ
ejif-12489	214	31	performance	performance	NOUN
ejif-12489	214	32	•	•	NOUN
ejif-12489	214	33	profitability	profitability	NOUN
ejif-12489	214	34	increases	increase	NOUN
ejif-12489	214	35	due	due	ADJ
ejif-12489	214	36	to	to	ADP
ejif-12489	214	37	operational	operational	ADJ
ejif-12489	214	38	cost	cost	NOUN
ejif-12489	214	39	efficiencies	efficiency	NOUN
ejif-12489	214	40	.	.	PUNCT
ejif-12489	215	1	•	•	NUM
ejif-12489	215	2	liquidity	liquidity	NOUN
ejif-12489	215	3	is	be	AUX
ejif-12489	215	4	more	more	ADV
ejif-12489	215	5	stable	stable	ADJ
ejif-12489	215	6	and	and	CCONJ
ejif-12489	215	7	well	well	ADV
ejif-12489	215	8	-	-	PUNCT
ejif-12489	215	9	maintained	maintain	VERB
ejif-12489	215	10	.	.	PUNCT
ejif-12489	216	1	•	•	NUM
ejif-12489	216	2	better	well	ADV
ejif-12489	216	3	prepared	prepared	ADJ
ejif-12489	216	4	to	to	PART
ejif-12489	216	5	face	face	VERB
ejif-12489	216	6	macroeconomic	macroeconomic	ADJ
ejif-12489	216	7	changes	change	NOUN
ejif-12489	216	8	such	such	ADJ
ejif-12489	216	9	as	as	ADP
ejif-12489	216	10	pandemics	pandemic	NOUN
ejif-12489	216	11	,	,	PUNCT
ejif-12489	216	12	globalization	globalization	NOUN
ejif-12489	216	13	,	,	PUNCT
ejif-12489	216	14	and	and	CCONJ
ejif-12489	216	15	political	political	ADJ
ejif-12489	216	16	issues	issue	NOUN
ejif-12489	216	17	.	.	PUNCT
ejif-12489	217	1	•	•	NUM
ejif-12489	217	2	adaptability	adaptability	NOUN
ejif-12489	217	3	to	to	ADP
ejif-12489	217	4	developments	development	NOUN
ejif-12489	217	5	in	in	ADP
ejif-12489	217	6	information	information	NOUN
ejif-12489	217	7	and	and	CCONJ
ejif-12489	217	8	technology	technology	NOUN
ejif-12489	217	9	.	.	PUNCT
ejif-12489	218	1	•	•	NUM
ejif-12489	218	2	improved	improve	VERB
ejif-12489	218	3	organizational	organizational	ADJ
ejif-12489	218	4	governance	governance	NOUN
ejif-12489	218	5	,	,	PUNCT
ejif-12489	218	6	ensuring	ensure	VERB
ejif-12489	218	7	sustainability	sustainability	NOUN
ejif-12489	218	8	.	.	PUNCT
ejif-12489	219	1	•	•	NUM
ejif-12489	219	2	fraud	fraud	NOUN
ejif-12489	219	3	can	can	AUX
ejif-12489	219	4	be	be	AUX
ejif-12489	219	5	effectively	effectively	ADV
ejif-12489	219	6	anticipated	anticipate	VERB
ejif-12489	219	7	.	.	PUNCT
ejif-12489	220	1	•	•	NUM
ejif-12489	220	2	institutional	institutional	ADJ
ejif-12489	220	3	reputation	reputation	NOUN
ejif-12489	220	4	is	be	AUX
ejif-12489	220	5	maintained	maintain	VERB
ejif-12489	220	6	,	,	PUNCT
ejif-12489	220	7	increasing	increase	VERB
ejif-12489	220	8	public	public	ADJ
ejif-12489	220	9	trust	trust	NOUN
ejif-12489	220	10	.	.	PUNCT
ejif-12489	221	1	•	•	NOUN
ejif-12489	221	2	confidence	confidence	NOUN
ejif-12489	221	3	that	that	SCONJ
ejif-12489	221	4	every	every	DET
ejif-12489	221	5	problem	problem	NOUN
ejif-12489	221	6	has	have	AUX
ejif-12489	221	7	a	a	DET
ejif-12489	221	8	solution	solution	NOUN
ejif-12489	221	9	increases	increase	VERB
ejif-12489	221	10	self	self	NOUN
ejif-12489	221	11	-	-	PUNCT
ejif-12489	221	12	trust	trust	NOUN
ejif-12489	221	13	.	.	PUNCT
ejif-12489	222	1	•	•	NUM
ejif-12489	222	2	be	be	AUX
ejif-12489	222	3	calmer	calm	ADJ
ejif-12489	222	4	when	when	SCONJ
ejif-12489	222	5	facing	face	VERB
ejif-12489	222	6	problems	problem	NOUN
ejif-12489	222	7	.	.	PUNCT
ejif-12489	223	1	source	source	NOUN
ejif-12489	223	2	:	:	PUNCT
ejif-12489	223	3	authors	author	NOUN
ejif-12489	223	4	’	'	PUNCT
ejif-12489	223	5	elaboration	elaboration	NOUN
ejif-12489	223	6	bmt	bmt	NOUN
ejif-12489	223	7	ugt	ugt	PROPN
ejif-12489	223	8	nusantara	nusantara	PROPN
ejif-12489	223	9	's	's	PART
ejif-12489	223	10	risk	risk	NOUN
ejif-12489	223	11	management	management	NOUN
ejif-12489	223	12	practices	practice	NOUN
ejif-12489	223	13	have	have	VERB
ejif-12489	223	14	a	a	DET
ejif-12489	223	15	favorable	favorable	ADJ
ejif-12489	223	16	impact	impact	NOUN
ejif-12489	223	17	,	,	PUNCT
ejif-12489	223	18	benefiting	benefit	VERB
ejif-12489	223	19	the	the	DET
ejif-12489	223	20	institution	institution	NOUN
ejif-12489	223	21	in	in	ADP
ejif-12489	223	22	both	both	CCONJ
ejif-12489	223	23	the	the	DET
ejif-12489	223	24	short	short	ADJ
ejif-12489	223	25	and	and	CCONJ
ejif-12489	223	26	long	long	ADJ
ejif-12489	223	27	term	term	NOUN
ejif-12489	223	28	.	.	PUNCT
ejif-12489	224	1	this	this	PRON
ejif-12489	224	2	indicates	indicate	VERB
ejif-12489	224	3	that	that	SCONJ
ejif-12489	224	4	risk	risk	NOUN
ejif-12489	224	5	management	management	NOUN
ejif-12489	224	6	practices	practice	NOUN
ejif-12489	224	7	demonstrate	demonstrate	VERB
ejif-12489	224	8	good	good	ADJ
ejif-12489	224	9	organizational	organizational	ADJ
ejif-12489	224	10	governance	governance	NOUN
ejif-12489	224	11	,	,	PUNCT
ejif-12489	224	12	which	which	PRON
ejif-12489	224	13	in	in	ADP
ejif-12489	224	14	turn	turn	NOUN
ejif-12489	224	15	improves	improve	VERB
ejif-12489	224	16	reputation	reputation	NOUN
ejif-12489	224	17	and	and	CCONJ
ejif-12489	224	18	public	public	ADJ
ejif-12489	224	19	trust	trust	NOUN
ejif-12489	224	20	,	,	PUNCT
ejif-12489	224	21	thereby	thereby	ADV
ejif-12489	224	22	contributing	contribute	VERB
ejif-12489	224	23	to	to	ADP
ejif-12489	224	24	sustainability	sustainability	NOUN
ejif-12489	224	25	.	.	PUNCT
ejif-12489	225	1	overall	overall	ADJ
ejif-12489	225	2	,	,	PUNCT
ejif-12489	225	3	effective	effective	ADJ
ejif-12489	225	4	risk	risk	NOUN
ejif-12489	225	5	management	management	NOUN
ejif-12489	225	6	practices	practice	NOUN
ejif-12489	225	7	significantly	significantly	ADV
ejif-12489	225	8	impact	impact	VERB
ejif-12489	225	9	both	both	CCONJ
ejif-12489	225	10	financial	financial	ADJ
ejif-12489	225	11	and	and	CCONJ
ejif-12489	225	12	organizational	organizational	ADJ
ejif-12489	225	13	performance	performance	NOUN
ejif-12489	225	14	.	.	PUNCT
ejif-12489	226	1	risk	risk	NOUN
ejif-12489	226	2	management	management	NOUN
ejif-12489	226	3	assists	assist	NOUN
ejif-12489	226	4	bmt	bmt	VERB
ejif-12489	226	5	ugt	ugt	PROPN
ejif-12489	226	6	nusantara	nusantara	NOUN
ejif-12489	226	7	in	in	ADP
ejif-12489	226	8	increasing	increase	VERB
ejif-12489	226	9	its	its	PRON
ejif-12489	226	10	profitability	profitability	NOUN
ejif-12489	226	11	,	,	PUNCT
ejif-12489	226	12	cost	cost	NOUN
ejif-12489	226	13	efficiency	efficiency	NOUN
ejif-12489	226	14	,	,	PUNCT
ejif-12489	226	15	and	and	CCONJ
ejif-12489	226	16	liquidity	liquidity	NOUN
ejif-12489	226	17	availability	availability	NOUN
ejif-12489	226	18	.	.	PUNCT
ejif-12489	227	1	meanwhile	meanwhile	ADV
ejif-12489	227	2	,	,	PUNCT
ejif-12489	227	3	risk	risk	NOUN
ejif-12489	227	4	management	management	NOUN
ejif-12489	227	5	enables	enable	VERB
ejif-12489	227	6	bmt	bmt	VERB
ejif-12489	227	7	ugt	ugt	PROPN
ejif-12489	227	8	nusantara	nusantara	NOUN
ejif-12489	227	9	to	to	PART
ejif-12489	227	10	enhancaddress	enhancaddress	VERB
ejif-12489	227	11	macro	macro	VERB
ejif-12489	227	12	and	and	CCONJ
ejif-12489	227	13	global	global	ADJ
ejif-12489	227	14	changes	change	NOUN
ejif-12489	227	15	,	,	PUNCT
ejif-12489	227	16	adapt	adapt	VERB
ejif-12489	227	17	to	to	ADP
ejif-12489	227	18	information	information	NOUN
ejif-12489	227	19	and	and	CCONJ
ejif-12489	227	20	technology	technology	NOUN
ejif-12489	227	21	developments	development	NOUN
ejif-12489	227	22	,	,	PUNCT
ejif-12489	227	23	improve	improve	VERB
ejif-12489	227	24	organizational	organizational	ADJ
ejif-12489	227	25	governance	governance	NOUN
ejif-12489	227	26	,	,	PUNCT
ejif-12489	227	27	anticipate	anticipate	VERB
ejif-12489	227	28	various	various	ADJ
ejif-12489	227	29	forms	form	NOUN
ejif-12489	227	30	of	of	ADP
ejif-12489	227	31	fraud	fraud	NOUN
ejif-12489	227	32	,	,	PUNCT
ejif-12489	227	33	maintain	maintain	VERB
ejif-12489	227	34	the	the	DET
ejif-12489	227	35	institution	institution	NOUN
ejif-12489	227	36	's	's	PART
ejif-12489	227	37	reputation	reputation	NOUN
ejif-12489	227	38	,	,	PUNCT
ejif-12489	227	39	increase	increase	VERB
ejif-12489	227	40	public	public	ADJ
ejif-12489	227	41	trust	trust	NOUN
ejif-12489	227	42	,	,	PUNCT
ejif-12489	227	43	boost	boost	VERB
ejif-12489	227	44	self	self	NOUN
ejif-12489	227	45	-	-	PUNCT
ejif-12489	227	46	confidence	confidence	NOUN
ejif-12489	227	47	,	,	PUNCT
ejif-12489	227	48	and	and	CCONJ
ejif-12489	227	49	handle	handle	VERB
ejif-12489	227	50	problems	problem	NOUN
ejif-12489	227	51	more	more	ADV
ejif-12489	227	52	effectively	effectively	ADV
ejif-12489	227	53	.	.	PUNCT
ejif-12489	228	1	practice	practice	NOUN
ejif-12489	228	2	of	of	ADP
ejif-12489	228	3	fiqh	fiqh	PROPN
ejif-12489	228	4	muamalat	muamalat	NOUN
ejif-12489	228	5	in	in	ADP
ejif-12489	228	6	risk	risk	NOUN
ejif-12489	228	7	management	management	NOUN
ejif-12489	228	8	the	the	DET
ejif-12489	228	9	research	research	NOUN
ejif-12489	228	10	findings	finding	NOUN
ejif-12489	228	11	indicate	indicate	VERB
ejif-12489	228	12	that	that	SCONJ
ejif-12489	228	13	the	the	DET
ejif-12489	228	14	practice	practice	NOUN
ejif-12489	228	15	of	of	ADP
ejif-12489	228	16	islamic	islamic	ADJ
ejif-12489	228	17	jurisprudence	jurisprudence	NOUN
ejif-12489	228	18	(	(	PUNCT
ejif-12489	228	19	fiqh	fiqh	NOUN
ejif-12489	228	20	muamalat	muamalat	NOUN
ejif-12489	228	21	)	)	PUNCT
ejif-12489	228	22	begins	begin	VERB
ejif-12489	228	23	with	with	ADP
ejif-12489	228	24	the	the	DET
ejif-12489	228	25	implementation	implementation	NOUN
ejif-12489	228	26	of	of	ADP
ejif-12489	228	27	islamic	islamic	PROPN
ejif-12489	228	28	sharia	sharia	PROPN
ejif-12489	228	29	,	,	PUNCT
ejif-12489	228	30	which	which	PRON
ejif-12489	228	31	governs	govern	VERB
ejif-12489	228	32	living	live	VERB
ejif-12489	228	33	.	.	PUNCT
ejif-12489	229	1	at	at	ADP
ejif-12489	229	2	bmt	bmt	PROPN
ejif-12489	229	3	ugt	ugt	PROPN
ejif-12489	229	4	nusantara	nusantara	PROPN
ejif-12489	229	5	,	,	PUNCT
ejif-12489	229	6	islamic	islamic	PROPN
ejif-12489	229	7	sharia	sharia	PROPN
ejif-12489	229	8	is	be	AUX
ejif-12489	229	9	practiced	practice	VERB
ejif-12489	229	10	in	in	ADP
ejif-12489	229	11	several	several	ADJ
ejif-12489	229	12	ways	way	NOUN
ejif-12489	229	13	,	,	PUNCT
ejif-12489	229	14	including	include	VERB
ejif-12489	229	15	performing	perform	VERB
ejif-12489	229	16	the	the	DET
ejif-12489	229	17	duha	duha	ADJ
ejif-12489	229	18	prayer	prayer	NOUN
ejif-12489	229	19	,	,	PUNCT
ejif-12489	229	20	reciting	recite	VERB
ejif-12489	229	21	the	the	DET
ejif-12489	229	22	quran	quran	PROPN
ejif-12489	229	23	before	before	ADP
ejif-12489	229	24	office	office	NOUN
ejif-12489	229	25	hours	hour	NOUN
ejif-12489	229	26	,	,	PUNCT
ejif-12489	229	27	and	and	CCONJ
ejif-12489	229	28	praying	pray	VERB
ejif-12489	229	29	the	the	DET
ejif-12489	229	30	dhuhr	dhuhr	NOUN
ejif-12489	229	31	and	and	CCONJ
ejif-12489	229	32	asr	asr	NOUN
ejif-12489	229	33	prayers	prayer	NOUN
ejif-12489	229	34	in	in	ADP
ejif-12489	229	35	congregation	congregation	NOUN
ejif-12489	229	36	.	.	PUNCT
ejif-12489	230	1	additionally	additionally	ADV
ejif-12489	230	2	,	,	PUNCT
ejif-12489	230	3	staff	staff	NOUN
ejif-12489	230	4	members	member	NOUN
ejif-12489	230	5	pray	pray	VERB
ejif-12489	230	6	together	together	ADV
ejif-12489	230	7	after	after	ADP
ejif-12489	230	8	office	office	NOUN
ejif-12489	230	9	hours	hour	NOUN
ejif-12489	230	10	and	and	CCONJ
ejif-12489	230	11	conduct	conduct	VERB
ejif-12489	230	12	weekly	weekly	ADJ
ejif-12489	230	13	religious	religious	ADJ
ejif-12489	230	14	studies	study	NOUN
ejif-12489	230	15	.	.	PUNCT
ejif-12489	231	1	the	the	DET
ejif-12489	231	2	findings	finding	NOUN
ejif-12489	231	3	show	show	VERB
ejif-12489	231	4	that	that	SCONJ
ejif-12489	231	5	the	the	DET
ejif-12489	231	6	practice	practice	NOUN
ejif-12489	231	7	of	of	ADP
ejif-12489	231	8	fiqh	fiqh	PROPN
ejif-12489	231	9	muamalat	muamalat	NOUN
ejif-12489	231	10	at	at	ADP
ejif-12489	231	11	bmt	bmt	PROPN
ejif-12489	231	12	ugtnusantaran	ugtnusantaran	ADJ
ejif-12489	231	13	not	not	PART
ejif-12489	231	14	only	only	ADV
ejif-12489	231	15	focuses	focus	VERB
ejif-12489	231	16	on	on	ADP
ejif-12489	231	17	the	the	DET
ejif-12489	231	18	tangible	tangible	ADJ
ejif-12489	231	19	characteristics	characteristic	NOUN
ejif-12489	231	20	of	of	ADP
ejif-12489	231	21	the	the	DET
ejif-12489	231	22	transactions	transaction	NOUN
ejif-12489	231	23	but	but	CCONJ
ejif-12489	231	24	also	also	ADV
ejif-12489	231	25	emphasizes	emphasize	VERB
ejif-12489	231	26	the	the	DET
ejif-12489	231	27	procedure	procedure	NOUN
ejif-12489	231	28	(	(	PUNCT
ejif-12489	231	29	ethical	ethical	ADJ
ejif-12489	231	30	)	)	PUNCT
ejif-12489	231	31	and	and	CCONJ
ejif-12489	231	32	goals	goal	NOUN
ejif-12489	231	33	of	of	ADP
ejif-12489	231	34	the	the	DET
ejif-12489	231	35	transaction	transaction	NOUN
ejif-12489	231	36	.	.	PUNCT
ejif-12489	232	1	the	the	DET
ejif-12489	232	2	informants	informant	NOUN
ejif-12489	232	3	,	,	PUNCT
ejif-12489	232	4	the	the	DET
ejif-12489	232	5	majority	majority	NOUN
ejif-12489	232	6	of	of	ADP
ejif-12489	232	7	whom	whom	PRON
ejif-12489	232	8	had	have	AUX
ejif-12489	232	9	received	receive	VERB
ejif-12489	232	10	religious	religious	ADJ
ejif-12489	232	11	instruction	instruction	NOUN
ejif-12489	232	12	at	at	ADP
ejif-12489	232	13	islamic	islamic	ADJ
ejif-12489	232	14	boarding	boarding	NOUN
ejif-12489	232	15	schools	school	NOUN
ejif-12489	232	16	,	,	PUNCT
ejif-12489	232	17	understood	understand	VERB
ejif-12489	232	18	the	the	DET
ejif-12489	232	19	significance	significance	NOUN
ejif-12489	232	20	of	of	ADP
ejif-12489	232	21	using	use	VERB
ejif-12489	232	22	fiqh	fiqh	PROPN
ejif-12489	232	23	muamalat	muamalat	NOUN
ejif-12489	232	24	in	in	ADP
ejif-12489	232	25	economic	economic	ADJ
ejif-12489	232	26	operations	operation	NOUN
ejif-12489	232	27	.	.	PUNCT
ejif-12489	233	1	this	this	DET
ejif-12489	233	2	scenario	scenario	NOUN
ejif-12489	233	3	is	be	AUX
ejif-12489	233	4	unique	unique	ADJ
ejif-12489	233	5	in	in	SCONJ
ejif-12489	233	6	that	that	SCONJ
ejif-12489	233	7	the	the	DET
ejif-12489	233	8	management	management	NOUN
ejif-12489	233	9	of	of	ADP
ejif-12489	233	10	bmt	bmt	PROPN
ejif-12489	233	11	ugt	ugt	PROPN
ejif-12489	233	12	nusantara	nusantara	PROPN
ejif-12489	233	13	had	have	AUX
ejif-12489	233	14	previously	previously	ADV
ejif-12489	233	15	obtained	obtain	VERB
ejif-12489	233	16	their	their	PRON
ejif-12489	233	17	understanding	understanding	NOUN
ejif-12489	233	18	of	of	ADP
ejif-12489	233	19	fiqh	fiqh	PROPN
ejif-12489	233	20	muamalat	muamalat	NOUN
ejif-12489	233	21	while	while	SCONJ
ejif-12489	233	22	attending	attend	VERB
ejif-12489	233	23	an	an	DET
ejif-12489	233	24	islamic	islamic	ADJ
ejif-12489	233	25	boarding	boarding	NOUN
ejif-12489	233	26	school	school	NOUN
ejif-12489	233	27	and	and	CCONJ
ejif-12489	233	28	now	now	ADV
ejif-12489	233	29	practices	practice	VERB
ejif-12489	233	30	it	it	PRON
ejif-12489	233	31	.	.	PUNCT
ejif-12489	234	1	the	the	DET
ejif-12489	234	2	practice	practice	NOUN
ejif-12489	234	3	of	of	ADP
ejif-12489	234	4	fiqh	fiqh	PROPN
ejif-12489	234	5	muamalat	muamalat	NOUN
ejif-12489	234	6	at	at	ADP
ejif-12489	234	7	bmt	bmt	PROPN
ejif-12489	234	8	ugt	ugt	PROPN
ejif-12489	234	9	nusantara	nusantara	PROPN
ejif-12489	234	10	is	be	AUX
ejif-12489	234	11	based	base	VERB
ejif-12489	234	12	on	on	ADP
ejif-12489	234	13	the	the	DET
ejif-12489	234	14	quran	quran	PROPN
ejif-12489	234	15	,	,	PUNCT
ejif-12489	234	16	sunnah	sunnah	NOUN
ejif-12489	234	17	,	,	PUNCT
ejif-12489	234	18	and	and	CCONJ
ejif-12489	234	19	ijtihad	ijtihad	VERB
ejif-12489	234	20	(	(	PUNCT
ejif-12489	234	21	a	a	DET
ejif-12489	234	22	serious	serious	ADJ
ejif-12489	234	23	legal	legal	ADJ
ejif-12489	234	24	inquiry	inquiry	NOUN
ejif-12489	234	25	)	)	PUNCT
ejif-12489	234	26	.	.	PUNCT
ejif-12489	235	1	informants	informant	NOUN
ejif-12489	235	2	further	far	ADV
ejif-12489	235	3	stated	state	VERB
ejif-12489	235	4	that	that	SCONJ
ejif-12489	235	5	bmt	bmt	VERB
ejif-12489	235	6	ugt	ugt	PROPN
ejif-12489	235	7	nusantara	nusantara	PROPN
ejif-12489	235	8	's	's	PART
ejif-12489	235	9	product	product	NOUN
ejif-12489	235	10	contracts	contract	NOUN
ejif-12489	235	11	include	include	VERB
ejif-12489	235	12	references	reference	NOUN
ejif-12489	235	13	to	to	ADP
ejif-12489	235	14	fatwas	fatwas	NOUN
ejif-12489	235	15	from	from	ADP
ejif-12489	235	16	the	the	DET
ejif-12489	235	17	national	national	PROPN
ejif-12489	235	18	sharia	sharia	PROPN
ejif-12489	235	19	council	council	PROPN
ejif-12489	235	20	(	(	PUNCT
ejif-12489	235	21	dsn	dsn	PROPN
ejif-12489	235	22	)	)	PUNCT
ejif-12489	235	23	and	and	CCONJ
ejif-12489	235	24	the	the	DET
ejif-12489	235	25	indonesian	indonesian	ADJ
ejif-12489	235	26	ulema	ulema	PROPN
ejif-12489	235	27	council	council	PROPN
ejif-12489	235	28	(	(	PUNCT
ejif-12489	235	29	mui	mui	NOUN
ejif-12489	235	30	)	)	PUNCT
ejif-12489	235	31	.	.	PUNCT
ejif-12489	236	1	furthermore	furthermore	ADV
ejif-12489	236	2	,	,	PUNCT
ejif-12489	236	3	the	the	DET
ejif-12489	236	4	bmt	bmt	NOUN
ejif-12489	236	5	ugt	ugt	PROPN
ejif-12489	236	6	nusantara	nusantara	PROPN
ejif-12489	236	7	sharia	sharia	PROPN
ejif-12489	236	8	supervisory	supervisory	ADJ
ejif-12489	236	9	board	board	NOUN
ejif-12489	236	10	performs	perform	VERB
ejif-12489	236	11	numerous	numerous	ADJ
ejif-12489	236	12	legal	legal	ADJ
ejif-12489	236	13	studies	study	NOUN
ejif-12489	236	14	using	use	VERB
ejif-12489	236	15	dsn	dsn	PROPN
ejif-12489	236	16	-	-	PUNCT
ejif-12489	236	17	mui	mui	NOUN
ejif-12489	236	18	fatwas	fatwas	ADJ
ejif-12489	236	19	and	and	CCONJ
ejif-12489	236	20	traditional	traditional	ADJ
ejif-12489	236	21	islamic	islamic	ADJ
ejif-12489	236	22	sources	source	NOUN
ejif-12489	236	23	,	,	PUNCT
ejif-12489	236	24	which	which	PRON
ejif-12489	236	25	are	be	AUX
ejif-12489	236	26	published	publish	VERB
ejif-12489	236	27	in	in	ADP
ejif-12489	236	28	a	a	DET
ejif-12489	236	29	contract	contract	NOUN
ejif-12489	236	30	law	law	NOUN
ejif-12489	236	31	guidebook	guidebook	NOUN
ejif-12489	236	32	.	.	PUNCT
ejif-12489	237	1	european	european	PROPN
ejif-12489	237	2	journal	journal	PROPN
ejif-12489	237	3	of	of	ADP
ejif-12489	237	4	islamic	islamic	PROPN
ejif-12489	237	5	finance	finance	PROPN
ejif-12489	237	6	issn	issn	PROPN
ejif-12489	237	7	:	:	PUNCT
ejif-12489	237	8	2421	2421	NUM
ejif-12489	237	9	-	-	SYM
ejif-12489	237	10	2172	2172	NUM
ejif-12489	237	11	doi	doi	NOUN
ejif-12489	237	12	:	:	PUNCT
ejif-12489	237	13	10.13135/2421	10.13135/2421	NUM
ejif-12489	237	14	-	-	SYM
ejif-12489	237	15	2172/12489	2172/12489	NUM
ejif-12489	237	16	published	publish	VERB
ejif-12489	237	17	by	by	ADP
ejif-12489	237	18	university	university	PROPN
ejif-12489	237	19	of	of	ADP
ejif-12489	237	20	turin	turin	PROPN
ejif-12489	238	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	238	2	ejif	ejif	PROPN
ejif-12489	238	3	content	content	NOUN
ejif-12489	238	4	is	be	AUX
ejif-12489	238	5	licensed	license	VERB
ejif-12489	238	6	under	under	ADP
ejif-12489	238	7	a	a	DET
ejif-12489	238	8	creative	creative	ADJ
ejif-12489	238	9	commons	common	NOUN
ejif-12489	238	10	attribution	attribution	NOUN
ejif-12489	238	11	4.0	4.0	NUM
ejif-12489	238	12	international	international	ADJ
ejif-12489	238	13	license	license	NOUN
ejif-12489	238	14	25	25	NUM
ejif-12489	238	15	5	5	NUM
ejif-12489	238	16	.	.	PUNCT
ejif-12489	239	1	discussion	discussion	NOUN
ejif-12489	239	2	financial	financial	ADJ
ejif-12489	239	3	institutions	institution	NOUN
ejif-12489	239	4	'	'	PART
ejif-12489	239	5	performance	performance	NOUN
ejif-12489	239	6	suffers	suffer	VERB
ejif-12489	239	7	when	when	SCONJ
ejif-12489	239	8	risks	risk	NOUN
ejif-12489	239	9	are	be	AUX
ejif-12489	239	10	not	not	PART
ejif-12489	239	11	appropriately	appropriately	ADV
ejif-12489	239	12	managed	manage	VERB
ejif-12489	239	13	.	.	PUNCT
ejif-12489	240	1	furthermore	furthermore	ADV
ejif-12489	240	2	,	,	PUNCT
ejif-12489	240	3	excessive	excessive	ADJ
ejif-12489	240	4	financial	financial	ADJ
ejif-12489	240	5	losses	loss	NOUN
ejif-12489	240	6	threaten	threaten	VERB
ejif-12489	240	7	the	the	DET
ejif-12489	240	8	futures	future	NOUN
ejif-12489	240	9	of	of	ADP
ejif-12489	240	10	financial	financial	ADJ
ejif-12489	240	11	institutions	institution	NOUN
ejif-12489	240	12	(	(	PUNCT
ejif-12489	240	13	al	al	PROPN
ejif-12489	240	14	rahahleh	rahahleh	PROPN
ejif-12489	240	15	et	et	PROPN
ejif-12489	240	16	al	al	PROPN
ejif-12489	240	17	.	.	PROPN
ejif-12489	240	18	,	,	PUNCT
ejif-12489	240	19	2019	2019	NUM
ejif-12489	240	20	)	)	PUNCT
ejif-12489	240	21	.	.	PUNCT
ejif-12489	241	1	however	however	ADV
ejif-12489	241	2	,	,	PUNCT
ejif-12489	241	3	if	if	SCONJ
ejif-12489	241	4	the	the	DET
ejif-12489	241	5	risk	risk	NOUN
ejif-12489	241	6	can	can	AUX
ejif-12489	241	7	be	be	AUX
ejif-12489	241	8	foreseen	foresee	VERB
ejif-12489	241	9	,	,	PUNCT
ejif-12489	241	10	it	it	PRON
ejif-12489	241	11	can	can	AUX
ejif-12489	241	12	be	be	AUX
ejif-12489	241	13	used	use	VERB
ejif-12489	241	14	as	as	ADP
ejif-12489	241	15	a	a	DET
ejif-12489	241	16	positive	positive	ADJ
ejif-12489	241	17	motivator	motivator	NOUN
ejif-12489	241	18	to	to	PART
ejif-12489	241	19	improve	improve	VERB
ejif-12489	241	20	performance	performance	NOUN
ejif-12489	241	21	and	and	CCONJ
ejif-12489	241	22	increase	increase	VERB
ejif-12489	241	23	the	the	DET
ejif-12489	241	24	likelihood	likelihood	NOUN
ejif-12489	241	25	of	of	ADP
ejif-12489	241	26	profit	profit	NOUN
ejif-12489	241	27	(	(	PUNCT
ejif-12489	241	28	harland	harland	PROPN
ejif-12489	241	29	et	et	PROPN
ejif-12489	241	30	al	al	PROPN
ejif-12489	241	31	.	.	PROPN
ejif-12489	241	32	,	,	PUNCT
ejif-12489	241	33	2003	2003	NUM
ejif-12489	241	34	;	;	PUNCT
ejif-12489	241	35	holton	holton	PROPN
ejif-12489	241	36	,	,	PUNCT
ejif-12489	241	37	2004	2004	NUM
ejif-12489	241	38	)	)	PUNCT
ejif-12489	241	39	.	.	PUNCT
ejif-12489	242	1	as	as	ADP
ejif-12489	242	2	a	a	DET
ejif-12489	242	3	result	result	NOUN
ejif-12489	242	4	,	,	PUNCT
ejif-12489	242	5	bmt	bmt	VERB
ejif-12489	242	6	ugt	ugt	PROPN
ejif-12489	242	7	nusantara	nusantara	PROPN
ejif-12489	242	8	's	's	PART
ejif-12489	242	9	management	management	NOUN
ejif-12489	242	10	must	must	AUX
ejif-12489	242	11	be	be	AUX
ejif-12489	242	12	aware	aware	ADJ
ejif-12489	242	13	of	of	ADP
ejif-12489	242	14	the	the	DET
ejif-12489	242	15	risks	risk	NOUN
ejif-12489	242	16	.	.	PUNCT
ejif-12489	243	1	understanding	understand	VERB
ejif-12489	243	2	risks	risk	NOUN
ejif-12489	243	3	will	will	AUX
ejif-12489	243	4	enable	enable	VERB
ejif-12489	243	5	the	the	DET
ejif-12489	243	6	manager	manager	NOUN
ejif-12489	243	7	of	of	ADP
ejif-12489	243	8	bmt	bmt	PROPN
ejif-12489	243	9	ugt	ugt	PROPN
ejif-12489	243	10	nusantara	nusantara	PROPN
ejif-12489	243	11	to	to	PART
ejif-12489	243	12	select	select	VERB
ejif-12489	243	13	the	the	DET
ejif-12489	243	14	best	good	ADJ
ejif-12489	243	15	approach	approach	NOUN
ejif-12489	243	16	and	and	CCONJ
ejif-12489	243	17	implement	implement	VERB
ejif-12489	243	18	actions	action	NOUN
ejif-12489	243	19	to	to	PART
ejif-12489	243	20	mitigate	mitigate	VERB
ejif-12489	243	21	them	they	PRON
ejif-12489	243	22	.	.	PUNCT
ejif-12489	244	1	in	in	ADP
ejif-12489	244	2	general	general	ADJ
ejif-12489	244	3	,	,	PUNCT
ejif-12489	244	4	ugt	ugt	PROPN
ejif-12489	244	5	nusantara	nusantara	PROPN
ejif-12489	244	6	's	's	PART
ejif-12489	244	7	bmt	bmt	ADJ
ejif-12489	244	8	manager	manager	NOUN
ejif-12489	244	9	's	's	PART
ejif-12489	244	10	grasp	grasp	NOUN
ejif-12489	244	11	of	of	ADP
ejif-12489	244	12	risk	risk	NOUN
ejif-12489	244	13	definitions	definition	NOUN
ejif-12489	244	14	is	be	AUX
ejif-12489	244	15	consistent	consistent	ADJ
ejif-12489	244	16	with	with	ADP
ejif-12489	244	17	those	those	PRON
ejif-12489	244	18	of	of	ADP
ejif-12489	244	19	prior	prior	ADJ
ejif-12489	244	20	studies	study	NOUN
ejif-12489	244	21	(	(	PUNCT
ejif-12489	244	22	akram	akram	PROPN
ejif-12489	244	23	&	&	CCONJ
ejif-12489	244	24	rahman	rahman	PROPN
ejif-12489	244	25	,	,	PUNCT
ejif-12489	244	26	2018	2018	NUM
ejif-12489	244	27	;	;	PUNCT
ejif-12489	244	28	bouslama	bouslama	NOUN
ejif-12489	244	29	&	&	CCONJ
ejif-12489	244	30	lahrichi	lahrichi	PROPN
ejif-12489	244	31	,	,	PUNCT
ejif-12489	244	32	2017	2017	NUM
ejif-12489	244	33	;	;	PUNCT
ejif-12489	244	34	manan	manan	PROPN
ejif-12489	244	35	&	&	CCONJ
ejif-12489	244	36	shafiai	shafiai	PROPN
ejif-12489	244	37	,	,	PUNCT
ejif-12489	244	38	2015	2015	NUM
ejif-12489	244	39	)	)	PUNCT
ejif-12489	244	40	.	.	PUNCT
ejif-12489	245	1	they	they	PRON
ejif-12489	245	2	state	state	VERB
ejif-12489	245	3	that	that	DET
ejif-12489	245	4	risk	risk	NOUN
ejif-12489	245	5	is	be	AUX
ejif-12489	245	6	the	the	DET
ejif-12489	245	7	uncertainty	uncertainty	NOUN
ejif-12489	245	8	associated	associate	VERB
ejif-12489	245	9	with	with	ADP
ejif-12489	245	10	business	business	NOUN
ejif-12489	245	11	activities	activity	NOUN
ejif-12489	245	12	and	and	CCONJ
ejif-12489	245	13	the	the	DET
ejif-12489	245	14	likelihood	likelihood	NOUN
ejif-12489	245	15	of	of	ADP
ejif-12489	245	16	an	an	DET
ejif-12489	245	17	incident	incident	NOUN
ejif-12489	245	18	affecting	affect	VERB
ejif-12489	245	19	the	the	DET
ejif-12489	245	20	organization	organization	NOUN
ejif-12489	245	21	's	's	PART
ejif-12489	245	22	objectives	objective	NOUN
ejif-12489	245	23	.	.	PUNCT
ejif-12489	246	1	thus	thus	ADV
ejif-12489	246	2	,	,	PUNCT
ejif-12489	246	3	the	the	DET
ejif-12489	246	4	management	management	NOUN
ejif-12489	246	5	of	of	ADP
ejif-12489	246	6	bmt	bmt	PROPN
ejif-12489	246	7	ugt	ugt	PROPN
ejif-12489	246	8	nusantara	nusantara	PROPN
ejif-12489	246	9	understands	understand	VERB
ejif-12489	246	10	the	the	DET
ejif-12489	246	11	importance	importance	NOUN
ejif-12489	246	12	of	of	ADP
ejif-12489	246	13	developing	develop	VERB
ejif-12489	246	14	a	a	DET
ejif-12489	246	15	strategy	strategy	NOUN
ejif-12489	246	16	to	to	PART
ejif-12489	246	17	mitigate	mitigate	VERB
ejif-12489	246	18	potential	potential	ADJ
ejif-12489	246	19	risks	risk	NOUN
ejif-12489	246	20	.	.	PUNCT
ejif-12489	247	1	informants	informant	NOUN
ejif-12489	247	2	identified	identify	VERB
ejif-12489	247	3	financial	financial	ADJ
ejif-12489	247	4	risk	risk	NOUN
ejif-12489	247	5	as	as	ADP
ejif-12489	247	6	critical	critical	ADJ
ejif-12489	247	7	.	.	PUNCT
ejif-12489	248	1	bmt	bmt	VERB
ejif-12489	248	2	ugt	ugt	PROPN
ejif-12489	248	3	nusantara	nusantara	PROPN
ejif-12489	248	4	's	's	PART
ejif-12489	248	5	contribution	contribution	NOUN
ejif-12489	248	6	to	to	ADP
ejif-12489	248	7	poverty	poverty	NOUN
ejif-12489	248	8	eradication	eradication	NOUN
ejif-12489	248	9	and	and	CCONJ
ejif-12489	248	10	economic	economic	ADJ
ejif-12489	248	11	growth	growth	NOUN
ejif-12489	248	12	is	be	AUX
ejif-12489	248	13	directly	directly	ADV
ejif-12489	248	14	felt	feel	VERB
ejif-12489	248	15	by	by	ADP
ejif-12489	248	16	the	the	DET
ejif-12489	248	17	community	community	NOUN
ejif-12489	248	18	through	through	ADP
ejif-12489	248	19	credit	credit	NOUN
ejif-12489	248	20	distribution	distribution	NOUN
ejif-12489	248	21	.	.	PUNCT
ejif-12489	249	1	customers	customer	NOUN
ejif-12489	249	2	with	with	ADP
ejif-12489	249	3	variable	variable	ADJ
ejif-12489	249	4	incomes	income	NOUN
ejif-12489	249	5	and	and	CCONJ
ejif-12489	249	6	little	little	ADJ
ejif-12489	249	7	loan	loan	NOUN
ejif-12489	249	8	collateral	collateral	NOUN
ejif-12489	249	9	,	,	PUNCT
ejif-12489	249	10	on	on	ADP
ejif-12489	249	11	the	the	DET
ejif-12489	249	12	other	other	ADJ
ejif-12489	249	13	hand	hand	NOUN
ejif-12489	249	14	,	,	PUNCT
ejif-12489	249	15	fall	fall	VERB
ejif-12489	249	16	into	into	ADP
ejif-12489	249	17	a	a	DET
ejif-12489	249	18	variety	variety	NOUN
ejif-12489	249	19	of	of	ADP
ejif-12489	249	20	financing	financing	NOUN
ejif-12489	249	21	risk	risk	NOUN
ejif-12489	249	22	profiles	profile	NOUN
ejif-12489	249	23	.	.	PUNCT
ejif-12489	250	1	informants	informant	NOUN
ejif-12489	250	2	also	also	ADV
ejif-12489	250	3	said	say	VERB
ejif-12489	250	4	that	that	SCONJ
ejif-12489	250	5	,	,	PUNCT
ejif-12489	250	6	in	in	ADP
ejif-12489	250	7	addition	addition	NOUN
ejif-12489	250	8	to	to	ADP
ejif-12489	250	9	financial	financial	ADJ
ejif-12489	250	10	risk	risk	NOUN
ejif-12489	250	11	,	,	PUNCT
ejif-12489	250	12	liquidity	liquidity	NOUN
ejif-12489	250	13	risk	risk	NOUN
ejif-12489	250	14	is	be	AUX
ejif-12489	250	15	critical	critical	ADJ
ejif-12489	250	16	to	to	PART
ejif-12489	250	17	bmt	bmt	VERB
ejif-12489	250	18	ugt	ugt	PROPN
ejif-12489	250	19	nusantara	nusantara	PROPN
ejif-12489	250	20	's	's	PART
ejif-12489	250	21	operations	operation	NOUN
ejif-12489	250	22	.	.	PUNCT
ejif-12489	251	1	they	they	PRON
ejif-12489	251	2	argued	argue	VERB
ejif-12489	251	3	that	that	SCONJ
ejif-12489	251	4	imfis	imfis	PROPN
ejif-12489	251	5	would	would	AUX
ejif-12489	251	6	lose	lose	VERB
ejif-12489	251	7	client	client	NOUN
ejif-12489	251	8	trust	trust	NOUN
ejif-12489	251	9	if	if	SCONJ
ejif-12489	251	10	they	they	PRON
ejif-12489	251	11	were	be	AUX
ejif-12489	251	12	unable	unable	ADJ
ejif-12489	251	13	to	to	PART
ejif-12489	251	14	provide	provide	VERB
ejif-12489	251	15	money	money	NOUN
ejif-12489	251	16	when	when	SCONJ
ejif-12489	251	17	withdrawals	withdrawal	NOUN
ejif-12489	251	18	were	be	AUX
ejif-12489	251	19	made	make	VERB
ejif-12489	251	20	.	.	PUNCT
ejif-12489	252	1	as	as	ADP
ejif-12489	252	2	a	a	DET
ejif-12489	252	3	result	result	NOUN
ejif-12489	252	4	,	,	PUNCT
ejif-12489	252	5	liquidity	liquidity	NOUN
ejif-12489	252	6	risk	risk	NOUN
ejif-12489	252	7	management	management	NOUN
ejif-12489	252	8	is	be	AUX
ejif-12489	252	9	conducted	conduct	VERB
ejif-12489	252	10	to	to	PART
ejif-12489	252	11	maintain	maintain	VERB
ejif-12489	252	12	a	a	DET
ejif-12489	252	13	healthy	healthy	ADJ
ejif-12489	252	14	financial	financial	ADJ
ejif-12489	252	15	circulation	circulation	NOUN
ejif-12489	252	16	.	.	PUNCT
ejif-12489	253	1	in	in	ADP
ejif-12489	253	2	addition	addition	NOUN
ejif-12489	253	3	to	to	ADP
ejif-12489	253	4	these	these	DET
ejif-12489	253	5	two	two	NUM
ejif-12489	253	6	main	main	ADJ
ejif-12489	253	7	dangers	danger	NOUN
ejif-12489	253	8	,	,	PUNCT
ejif-12489	253	9	the	the	DET
ejif-12489	253	10	risk	risk	NOUN
ejif-12489	253	11	of	of	ADP
ejif-12489	253	12	sharia	sharia	PROPN
ejif-12489	253	13	compliance	compliance	NOUN
ejif-12489	253	14	is	be	AUX
ejif-12489	253	15	a	a	DET
ejif-12489	253	16	major	major	ADJ
ejif-12489	253	17	problem	problem	NOUN
ejif-12489	253	18	.	.	PUNCT
ejif-12489	254	1	they	they	PRON
ejif-12489	254	2	explained	explain	VERB
ejif-12489	254	3	that	that	SCONJ
ejif-12489	254	4	each	each	DET
ejif-12489	254	5	product	product	NOUN
ejif-12489	254	6	offered	offer	VERB
ejif-12489	254	7	must	must	AUX
ejif-12489	254	8	adhere	adhere	VERB
ejif-12489	254	9	to	to	ADP
ejif-12489	254	10	the	the	DET
ejif-12489	254	11	contract	contract	NOUN
ejif-12489	254	12	,	,	PUNCT
ejif-12489	254	13	and	and	CCONJ
ejif-12489	254	14	any	any	DET
ejif-12489	254	15	variation	variation	NOUN
ejif-12489	254	16	will	will	AUX
ejif-12489	254	17	result	result	VERB
ejif-12489	254	18	in	in	ADP
ejif-12489	254	19	non	non	ADJ
ejif-12489	254	20	-	-	ADJ
ejif-12489	254	21	halal	halal	ADJ
ejif-12489	254	22	transactions	transaction	NOUN
ejif-12489	254	23	.	.	PUNCT
ejif-12489	255	1	as	as	ADP
ejif-12489	255	2	a	a	DET
ejif-12489	255	3	result	result	NOUN
ejif-12489	255	4	,	,	PUNCT
ejif-12489	255	5	increasing	increase	VERB
ejif-12489	255	6	the	the	DET
ejif-12489	255	7	practice	practice	NOUN
ejif-12489	255	8	of	of	ADP
ejif-12489	255	9	islamic	islamic	ADJ
ejif-12489	255	10	jurisprudence	jurisprudence	NOUN
ejif-12489	255	11	(	(	PUNCT
ejif-12489	255	12	fiqh	fiqh	NOUN
ejif-12489	255	13	muamalat	muamalat	NOUN
ejif-12489	255	14	)	)	PUNCT
ejif-12489	255	15	at	at	ADP
ejif-12489	255	16	bmt	bmt	PROPN
ejif-12489	255	17	ugt	ugt	PROPN
ejif-12489	255	18	nusantara	nusantara	PROPN
ejif-12489	255	19	is	be	AUX
ejif-12489	255	20	essential	essential	ADJ
ejif-12489	255	21	.	.	PUNCT
ejif-12489	256	1	this	this	DET
ejif-12489	256	2	evidence	evidence	NOUN
ejif-12489	256	3	supports	support	VERB
ejif-12489	256	4	the	the	DET
ejif-12489	256	5	concept	concept	NOUN
ejif-12489	256	6	that	that	SCONJ
ejif-12489	256	7	,	,	PUNCT
ejif-12489	256	8	in	in	ADP
ejif-12489	256	9	addition	addition	NOUN
ejif-12489	256	10	to	to	ADP
ejif-12489	256	11	sharia	sharia	PROPN
ejif-12489	256	12	compliance	compliance	NOUN
ejif-12489	256	13	,	,	PUNCT
ejif-12489	256	14	halal	halal	NOUN
ejif-12489	256	15	responsibility	responsibility	NOUN
ejif-12489	256	16	must	must	AUX
ejif-12489	256	17	be	be	AUX
ejif-12489	256	18	introduced	introduce	VERB
ejif-12489	256	19	into	into	ADP
ejif-12489	256	20	the	the	DET
ejif-12489	256	21	workplace	workplace	NOUN
ejif-12489	256	22	culture	culture	NOUN
ejif-12489	256	23	(	(	PUNCT
ejif-12489	256	24	hassan	hassan	PROPN
ejif-12489	256	25	&	&	CCONJ
ejif-12489	256	26	mollah	mollah	PROPN
ejif-12489	256	27	,	,	PUNCT
ejif-12489	256	28	2018	2018	NUM
ejif-12489	256	29	;	;	PUNCT
ejif-12489	256	30	muhammad	muhammad	PROPN
ejif-12489	256	31	,	,	PUNCT
ejif-12489	256	32	2020	2020	NUM
ejif-12489	256	33	)	)	PUNCT
ejif-12489	256	34	.	.	PUNCT
ejif-12489	257	1	according	accord	VERB
ejif-12489	257	2	to	to	ADP
ejif-12489	257	3	the	the	DET
ejif-12489	257	4	research	research	NOUN
ejif-12489	257	5	findings	finding	NOUN
ejif-12489	257	6	,	,	PUNCT
ejif-12489	257	7	risk	risk	NOUN
ejif-12489	257	8	mitigation	mitigation	NOUN
ejif-12489	257	9	practices	practice	NOUN
ejif-12489	257	10	at	at	ADP
ejif-12489	257	11	bmt	bmt	PROPN
ejif-12489	257	12	ugt	ugt	PROPN
ejif-12489	257	13	nusantara	nusantara	PROPN
ejif-12489	257	14	are	be	AUX
ejif-12489	257	15	mostly	mostly	ADV
ejif-12489	257	16	focused	focus	VERB
ejif-12489	257	17	on	on	ADP
ejif-12489	257	18	financial	financial	ADJ
ejif-12489	257	19	risks	risk	NOUN
ejif-12489	257	20	such	such	ADJ
ejif-12489	257	21	as	as	ADP
ejif-12489	257	22	financing	financing	NOUN
ejif-12489	257	23	and	and	CCONJ
ejif-12489	257	24	liquidity	liquidity	NOUN
ejif-12489	257	25	.	.	PUNCT
ejif-12489	258	1	non	non	ADJ
ejif-12489	258	2	-	-	ADJ
ejif-12489	258	3	financial	financial	ADJ
ejif-12489	258	4	risks	risk	NOUN
ejif-12489	258	5	,	,	PUNCT
ejif-12489	258	6	such	such	ADJ
ejif-12489	258	7	as	as	ADP
ejif-12489	258	8	those	those	PRON
ejif-12489	258	9	associated	associate	VERB
ejif-12489	258	10	with	with	ADP
ejif-12489	258	11	sharia	sharia	PROPN
ejif-12489	258	12	compliance	compliance	NOUN
ejif-12489	258	13	,	,	PUNCT
ejif-12489	258	14	are	be	AUX
ejif-12489	258	15	also	also	ADV
ejif-12489	258	16	a	a	DET
ejif-12489	258	17	concern	concern	NOUN
ejif-12489	258	18	in	in	ADP
ejif-12489	258	19	fiqh	fiqh	PROPN
ejif-12489	258	20	muamalat	muamalat	NOUN
ejif-12489	258	21	practice	practice	PROPN
ejif-12489	258	22	.	.	PUNCT
ejif-12489	259	1	bmt	bmt	VERB
ejif-12489	259	2	ugt	ugt	PROPN
ejif-12489	259	3	nusantara	nusantara	PROPN
ejif-12489	259	4	utilizes	utilize	VERB
ejif-12489	259	5	an	an	DET
ejif-12489	259	6	information	information	NOUN
ejif-12489	259	7	system	system	NOUN
ejif-12489	259	8	to	to	PART
ejif-12489	259	9	support	support	VERB
ejif-12489	259	10	risk	risk	NOUN
ejif-12489	259	11	mitigation	mitigation	NOUN
ejif-12489	259	12	and	and	CCONJ
ejif-12489	259	13	collaborates	collaborate	NOUN
ejif-12489	259	14	with	with	ADP
ejif-12489	259	15	pt	pt	X
ejif-12489	259	16	usid	usid	PROPN
ejif-12489	259	17	as	as	ADP
ejif-12489	259	18	an	an	DET
ejif-12489	259	19	information	information	NOUN
ejif-12489	259	20	system	system	NOUN
ejif-12489	259	21	(	(	PUNCT
ejif-12489	259	22	is	be	AUX
ejif-12489	259	23	)	)	PUNCT
ejif-12489	259	24	service	service	NOUN
ejif-12489	259	25	provider	provider	NOUN
ejif-12489	259	26	.	.	PUNCT
ejif-12489	260	1	informants	informant	NOUN
ejif-12489	260	2	further	far	ADV
ejif-12489	260	3	stated	state	VERB
ejif-12489	260	4	that	that	SCONJ
ejif-12489	260	5	a	a	DET
ejif-12489	260	6	variety	variety	NOUN
ejif-12489	260	7	of	of	ADP
ejif-12489	260	8	is	be	AUX
ejif-12489	260	9	training	training	NOUN
ejif-12489	260	10	programs	program	NOUN
ejif-12489	260	11	,	,	PUNCT
ejif-12489	260	12	contract	contract	NOUN
ejif-12489	260	13	training	training	NOUN
ejif-12489	260	14	,	,	PUNCT
ejif-12489	260	15	contract	contract	NOUN
ejif-12489	260	16	certification	certification	NOUN
ejif-12489	260	17	tests	test	NOUN
ejif-12489	260	18	,	,	PUNCT
ejif-12489	260	19	and	and	CCONJ
ejif-12489	260	20	managerial	managerial	ADJ
ejif-12489	260	21	processes	process	NOUN
ejif-12489	260	22	have	have	AUX
ejif-12489	260	23	been	be	AUX
ejif-12489	260	24	established	establish	VERB
ejif-12489	260	25	to	to	PART
ejif-12489	260	26	enhance	enhance	VERB
ejif-12489	260	27	human	human	ADJ
ejif-12489	260	28	resource	resource	NOUN
ejif-12489	260	29	expertise	expertise	NOUN
ejif-12489	260	30	.	.	PUNCT
ejif-12489	261	1	our	our	PRON
ejif-12489	261	2	findings	finding	NOUN
ejif-12489	261	3	also	also	ADV
ejif-12489	261	4	revealed	reveal	VERB
ejif-12489	261	5	that	that	SCONJ
ejif-12489	261	6	is	be	AUX
ejif-12489	261	7	has	have	AUX
ejif-12489	261	8	arranged	arrange	VERB
ejif-12489	261	9	for	for	ADP
ejif-12489	261	10	profit	profit	NOUN
ejif-12489	261	11	-	-	PUNCT
ejif-12489	261	12	sharing	sharing	NOUN
ejif-12489	261	13	installments	installment	NOUN
ejif-12489	261	14	.	.	PUNCT
ejif-12489	262	1	this	this	DET
ejif-12489	262	2	practice	practice	NOUN
ejif-12489	262	3	supports	support	VERB
ejif-12489	262	4	the	the	DET
ejif-12489	262	5	previous	previous	ADJ
ejif-12489	262	6	finding	finding	NOUN
ejif-12489	262	7	that	that	SCONJ
ejif-12489	262	8	information	information	NOUN
ejif-12489	262	9	technology	technology	NOUN
ejif-12489	262	10	and	and	CCONJ
ejif-12489	262	11	risk	risk	NOUN
ejif-12489	262	12	management	management	NOUN
ejif-12489	262	13	are	be	AUX
ejif-12489	262	14	critical	critical	ADJ
ejif-12489	262	15	for	for	ADP
ejif-12489	262	16	every	every	DET
ejif-12489	262	17	organization	organization	NOUN
ejif-12489	262	18	that	that	PRON
ejif-12489	262	19	wants	want	VERB
ejif-12489	262	20	to	to	PART
ejif-12489	262	21	survive	survive	VERB
ejif-12489	262	22	(	(	PUNCT
ejif-12489	262	23	mayer	mayer	PROPN
ejif-12489	262	24	et	et	PROPN
ejif-12489	262	25	al	al	PROPN
ejif-12489	262	26	.	.	PROPN
ejif-12489	262	27	,	,	PUNCT
ejif-12489	262	28	2019	2019	NUM
ejif-12489	262	29	)	)	PUNCT
ejif-12489	262	30	.	.	PUNCT
ejif-12489	263	1	furthermore	furthermore	ADV
ejif-12489	263	2	,	,	PUNCT
ejif-12489	263	3	the	the	DET
ejif-12489	263	4	use	use	NOUN
ejif-12489	263	5	of	of	ADP
ejif-12489	263	6	is	be	AUX
ejif-12489	263	7	is	be	AUX
ejif-12489	263	8	a	a	DET
ejif-12489	263	9	significant	significant	ADJ
ejif-12489	263	10	predictor	predictor	NOUN
ejif-12489	263	11	of	of	ADP
ejif-12489	263	12	successful	successful	ADJ
ejif-12489	263	13	risk	risk	NOUN
ejif-12489	263	14	management	management	NOUN
ejif-12489	263	15	(	(	PUNCT
ejif-12489	263	16	saeidi	saeidi	PROPN
ejif-12489	263	17	et	et	PROPN
ejif-12489	263	18	al	al	PROPN
ejif-12489	263	19	.	.	PROPN
ejif-12489	263	20	,	,	PUNCT
ejif-12489	263	21	2019	2019	NUM
ejif-12489	263	22	;	;	PUNCT
ejif-12489	263	23	wafi	wafi	PROPN
ejif-12489	263	24	&	&	CCONJ
ejif-12489	263	25	muhammad	muhammad	PROPN
ejif-12489	263	26	,	,	PUNCT
ejif-12489	263	27	2023	2023	NUM
ejif-12489	263	28	)	)	PUNCT
ejif-12489	263	29	.	.	PUNCT
ejif-12489	264	1	this	this	DET
ejif-12489	264	2	finding	finding	NOUN
ejif-12489	264	3	is	be	AUX
ejif-12489	264	4	consistent	consistent	ADJ
ejif-12489	264	5	with	with	ADP
ejif-12489	264	6	previous	previous	ADJ
ejif-12489	264	7	research	research	NOUN
ejif-12489	264	8	,	,	PUNCT
ejif-12489	264	9	which	which	PRON
ejif-12489	264	10	has	have	AUX
ejif-12489	264	11	revealed	reveal	VERB
ejif-12489	264	12	that	that	SCONJ
ejif-12489	264	13	information	information	NOUN
ejif-12489	264	14	systems	system	NOUN
ejif-12489	264	15	play	play	VERB
ejif-12489	264	16	a	a	DET
ejif-12489	264	17	crucial	crucial	ADJ
ejif-12489	264	18	role	role	NOUN
ejif-12489	264	19	in	in	ADP
ejif-12489	264	20	ensuring	ensure	VERB
ejif-12489	264	21	sharia	sharia	PROPN
ejif-12489	264	22	compliance	compliance	NOUN
ejif-12489	264	23	(	(	PUNCT
ejif-12489	264	24	ayedh	ayedh	NOUN
ejif-12489	264	25	et	et	PROPN
ejif-12489	264	26	al	al	PROPN
ejif-12489	264	27	.	.	PROPN
ejif-12489	264	28	,	,	PUNCT
ejif-12489	264	29	2021	2021	NUM
ejif-12489	264	30	)	)	PUNCT
ejif-12489	264	31	.	.	PUNCT
ejif-12489	265	1	additional	additional	ADJ
ejif-12489	265	2	studies	study	NOUN
ejif-12489	265	3	suggest	suggest	VERB
ejif-12489	265	4	that	that	SCONJ
ejif-12489	265	5	is	be	AUX
ejif-12489	265	6	can	can	AUX
ejif-12489	265	7	influence	influence	VERB
ejif-12489	265	8	organizational	organizational	ADJ
ejif-12489	265	9	characteristics	characteristic	NOUN
ejif-12489	265	10	and	and	CCONJ
ejif-12489	265	11	performance	performance	NOUN
ejif-12489	265	12	(	(	PUNCT
ejif-12489	265	13	dewett	dewett	PROPN
ejif-12489	265	14	&	&	CCONJ
ejif-12489	265	15	jones	jones	PROPN
ejif-12489	265	16	,	,	PUNCT
ejif-12489	265	17	2001	2001	NUM
ejif-12489	265	18	)	)	PUNCT
ejif-12489	265	19	.	.	PUNCT
ejif-12489	266	1	as	as	ADP
ejif-12489	266	2	a	a	DET
ejif-12489	266	3	result	result	NOUN
ejif-12489	266	4	,	,	PUNCT
ejif-12489	266	5	aligning	align	VERB
ejif-12489	266	6	information	information	NOUN
ejif-12489	266	7	systems	system	NOUN
ejif-12489	266	8	with	with	ADP
ejif-12489	266	9	sharia	sharia	PROPN
ejif-12489	266	10	principles	principle	NOUN
ejif-12489	266	11	and	and	CCONJ
ejif-12489	266	12	existing	exist	VERB
ejif-12489	266	13	norms	norm	NOUN
ejif-12489	266	14	will	will	AUX
ejif-12489	266	15	reduce	reduce	VERB
ejif-12489	266	16	overall	overall	ADJ
ejif-12489	266	17	risk	risk	NOUN
ejif-12489	266	18	while	while	SCONJ
ejif-12489	266	19	providing	provide	VERB
ejif-12489	266	20	effective	effective	ADJ
ejif-12489	266	21	internal	internal	ADJ
ejif-12489	266	22	control	control	NOUN
ejif-12489	266	23	for	for	ADP
ejif-12489	266	24	organizations	organization	NOUN
ejif-12489	266	25	.	.	PUNCT
ejif-12489	267	1	the	the	DET
ejif-12489	267	2	findings	finding	NOUN
ejif-12489	267	3	of	of	ADP
ejif-12489	267	4	this	this	DET
ejif-12489	267	5	study	study	NOUN
ejif-12489	267	6	show	show	VERB
ejif-12489	267	7	that	that	SCONJ
ejif-12489	267	8	risk	risk	NOUN
ejif-12489	267	9	management	management	NOUN
ejif-12489	267	10	has	have	VERB
ejif-12489	267	11	various	various	ADJ
ejif-12489	267	12	positive	positive	ADJ
ejif-12489	267	13	effects	effect	NOUN
ejif-12489	267	14	on	on	ADP
ejif-12489	267	15	the	the	DET
ejif-12489	267	16	performance	performance	NOUN
ejif-12489	267	17	of	of	ADP
ejif-12489	267	18	bmt	bmt	NOUN
ejif-12489	267	19	ugt	ugt	PROPN
ejif-12489	267	20	nusantara	nusantara	NOUN
ejif-12489	267	21	,	,	PUNCT
ejif-12489	267	22	depending	depend	VERB
ejif-12489	267	23	on	on	ADP
ejif-12489	267	24	which	which	DET
ejif-12489	267	25	risk	risk	NOUN
ejif-12489	267	26	management	management	NOUN
ejif-12489	267	27	aspects	aspect	NOUN
ejif-12489	267	28	are	be	AUX
ejif-12489	267	29	addressed	address	VERB
ejif-12489	267	30	.	.	PUNCT
ejif-12489	268	1	however	however	ADV
ejif-12489	268	2	,	,	PUNCT
ejif-12489	268	3	it	it	PRON
ejif-12489	268	4	is	be	AUX
ejif-12489	268	5	worth	worth	ADJ
ejif-12489	268	6	noting	note	VERB
ejif-12489	268	7	that	that	SCONJ
ejif-12489	268	8	risk	risk	NOUN
ejif-12489	268	9	management	management	NOUN
ejif-12489	268	10	has	have	VERB
ejif-12489	268	11	a	a	DET
ejif-12489	268	12	positive	positive	ADJ
ejif-12489	268	13	impact	impact	NOUN
ejif-12489	268	14	on	on	ADP
ejif-12489	268	15	both	both	CCONJ
ejif-12489	268	16	financial	financial	ADJ
ejif-12489	268	17	and	and	CCONJ
ejif-12489	268	18	organizational	organizational	ADJ
ejif-12489	268	19	performance	performance	NOUN
ejif-12489	268	20	.	.	PUNCT
ejif-12489	269	1	this	this	DET
ejif-12489	269	2	finding	finding	NOUN
ejif-12489	269	3	is	be	AUX
ejif-12489	269	4	consistent	consistent	ADJ
ejif-12489	269	5	with	with	ADP
ejif-12489	269	6	prior	prior	ADJ
ejif-12489	269	7	research	research	NOUN
ejif-12489	269	8	showing	show	VERB
ejif-12489	269	9	that	that	SCONJ
ejif-12489	269	10	risk	risk	NOUN
ejif-12489	269	11	management	management	NOUN
ejif-12489	269	12	improves	improve	VERB
ejif-12489	269	13	corporate	corporate	ADJ
ejif-12489	269	14	performance	performance	NOUN
ejif-12489	269	15	and	and	CCONJ
ejif-12489	269	16	value	value	NOUN
ejif-12489	269	17	creation	creation	NOUN
ejif-12489	269	18	(	(	PUNCT
ejif-12489	269	19	chairani	chairani	NOUN
ejif-12489	269	20	&	&	CCONJ
ejif-12489	269	21	siregar	siregar	NOUN
ejif-12489	269	22	,	,	PUNCT
ejif-12489	269	23	2021	2021	NUM
ejif-12489	269	24	;	;	PUNCT
ejif-12489	269	25	ghazieh	ghazieh	PROPN
ejif-12489	269	26	&	&	CCONJ
ejif-12489	269	27	chebana	chebana	PROPN
ejif-12489	269	28	,	,	PUNCT
ejif-12489	269	29	2021	2021	NUM
ejif-12489	269	30	)	)	PUNCT
ejif-12489	269	31	.	.	PUNCT
ejif-12489	270	1	the	the	DET
ejif-12489	270	2	findings	finding	NOUN
ejif-12489	270	3	of	of	ADP
ejif-12489	270	4	this	this	DET
ejif-12489	270	5	study	study	NOUN
ejif-12489	270	6	indicate	indicate	VERB
ejif-12489	270	7	a	a	DET
ejif-12489	270	8	significant	significant	ADJ
ejif-12489	270	9	improvement	improvement	NOUN
ejif-12489	270	10	in	in	ADP
ejif-12489	270	11	the	the	DET
ejif-12489	270	12	function	function	NOUN
ejif-12489	270	13	of	of	ADP
ejif-12489	270	14	risk	risk	NOUN
ejif-12489	270	15	control	control	NOUN
ejif-12489	270	16	managers	manager	NOUN
ejif-12489	270	17	at	at	ADP
ejif-12489	270	18	bmt	bmt	PROPN
ejif-12489	270	19	ugt	ugt	PROPN
ejif-12489	270	20	nusantara	nusantara	PROPN
ejif-12489	270	21	.	.	PUNCT
ejif-12489	271	1	this	this	DET
ejif-12489	271	2	development	development	NOUN
ejif-12489	271	3	leads	lead	VERB
ejif-12489	271	4	to	to	ADP
ejif-12489	271	5	a	a	DET
ejif-12489	271	6	stronger	strong	ADJ
ejif-12489	271	7	supervisory	supervisory	ADJ
ejif-12489	271	8	function	function	NOUN
ejif-12489	271	9	,	,	PUNCT
ejif-12489	271	10	particularly	particularly	ADV
ejif-12489	271	11	an	an	DET
ejif-12489	271	12	improved	improved	ADJ
ejif-12489	271	13	internal	internal	ADJ
ejif-12489	271	14	control	control	NOUN
ejif-12489	271	15	system	system	NOUN
ejif-12489	271	16	.	.	PUNCT
ejif-12489	272	1	as	as	ADP
ejif-12489	272	2	a	a	DET
ejif-12489	272	3	result	result	NOUN
ejif-12489	272	4	,	,	PUNCT
ejif-12489	272	5	companies	company	NOUN
ejif-12489	272	6	,	,	PUNCT
ejif-12489	272	7	particularly	particularly	ADV
ejif-12489	272	8	islamic	islamic	ADJ
ejif-12489	272	9	microfinance	microfinance	NOUN
ejif-12489	272	10	institutions	institution	NOUN
ejif-12489	272	11	,	,	PUNCT
ejif-12489	272	12	perform	perform	VERB
ejif-12489	272	13	better	well	ADV
ejif-12489	272	14	when	when	SCONJ
ejif-12489	272	15	risk	risk	NOUN
ejif-12489	272	16	management	management	NOUN
ejif-12489	272	17	is	be	AUX
ejif-12489	272	18	implemented	implement	VERB
ejif-12489	272	19	effectively	effectively	ADV
ejif-12489	272	20	.	.	PUNCT
ejif-12489	273	1	furthermore	furthermore	ADV
ejif-12489	273	2	,	,	PUNCT
ejif-12489	273	3	the	the	DET
ejif-12489	273	4	existence	existence	NOUN
ejif-12489	273	5	of	of	ADP
ejif-12489	273	6	bmt	bmt	PROPN
ejif-12489	273	7	ugt	ugt	PROPN
ejif-12489	273	8	nusantara	nusantara	NOUN
ejif-12489	273	9	to	to	ADP
ejif-12489	273	10	date	date	NOUN
ejif-12489	273	11	demonstrates	demonstrate	VERB
ejif-12489	273	12	the	the	DET
ejif-12489	273	13	effectiveness	effectiveness	NOUN
ejif-12489	273	14	of	of	ADP
ejif-12489	273	15	risk	risk	NOUN
ejif-12489	273	16	management	management	NOUN
ejif-12489	273	17	practices	practice	NOUN
ejif-12489	273	18	.	.	PUNCT
ejif-12489	274	1	this	this	PRON
ejif-12489	274	2	suggests	suggest	VERB
ejif-12489	274	3	that	that	SCONJ
ejif-12489	274	4	risk	risk	NOUN
ejif-12489	274	5	management	management	NOUN
ejif-12489	274	6	is	be	AUX
ejif-12489	274	7	crucial	crucial	ADJ
ejif-12489	274	8	in	in	ADP
ejif-12489	274	9	times	time	NOUN
ejif-12489	274	10	of	of	ADP
ejif-12489	274	11	uncertainty	uncertainty	NOUN
ejif-12489	274	12	,	,	PUNCT
ejif-12489	274	13	enabling	enable	VERB
ejif-12489	274	14	businesses	business	NOUN
ejif-12489	274	15	to	to	PART
ejif-12489	274	16	respond	respond	VERB
ejif-12489	274	17	effectively	effectively	ADV
ejif-12489	274	18	and	and	CCONJ
ejif-12489	274	19	correctly	correctly	ADV
ejif-12489	274	20	,	,	PUNCT
ejif-12489	274	21	and	and	CCONJ
ejif-12489	274	22	fostering	foster	VERB
ejif-12489	274	23	flexibility	flexibility	NOUN
ejif-12489	274	24	and	and	CCONJ
ejif-12489	274	25	resilience	resilience	NOUN
ejif-12489	274	26	(	(	PUNCT
ejif-12489	274	27	settembre	settembre	PROPN
ejif-12489	274	28	-	-	PUNCT
ejif-12489	274	29	blundo	blundo	PROPN
ejif-12489	274	30	et	et	PROPN
ejif-12489	274	31	al	al	PROPN
ejif-12489	274	32	.	.	PROPN
ejif-12489	274	33	,	,	PUNCT
ejif-12489	274	34	2021	2021	NUM
ejif-12489	274	35	)	)	PUNCT
ejif-12489	274	36	.	.	PUNCT
ejif-12489	275	1	their	their	PRON
ejif-12489	275	2	dedication	dedication	NOUN
ejif-12489	275	3	to	to	ADP
ejif-12489	275	4	adopting	adopt	VERB
ejif-12489	275	5	sharia	sharia	PROPN
ejif-12489	275	6	produces	produce	VERB
ejif-12489	275	7	a	a	DET
ejif-12489	275	8	work	work	NOUN
ejif-12489	275	9	attitude	attitude	NOUN
ejif-12489	275	10	that	that	PRON
ejif-12489	275	11	values	value	VERB
ejif-12489	275	12	honesty	honesty	NOUN
ejif-12489	275	13	,	,	PUNCT
ejif-12489	275	14	integrity	integrity	NOUN
ejif-12489	275	15	,	,	PUNCT
ejif-12489	275	16	non	non	ADJ
ejif-12489	275	17	-	-	NOUN
ejif-12489	275	18	arbitrariness	arbitrariness	ADJ
ejif-12489	275	19	,	,	PUNCT
ejif-12489	275	20	and	and	CCONJ
ejif-12489	275	21	accountability	accountability	NOUN
ejif-12489	275	22	for	for	ADP
ejif-12489	275	23	assigned	assign	VERB
ejif-12489	275	24	responsibilities	responsibility	NOUN
ejif-12489	275	25	.	.	PUNCT
ejif-12489	276	1	the	the	DET
ejif-12489	276	2	incorporation	incorporation	NOUN
ejif-12489	276	3	of	of	ADP
ejif-12489	276	4	islamic	islamic	ADJ
ejif-12489	276	5	law	law	NOUN
ejif-12489	276	6	into	into	ADP
ejif-12489	276	7	company	company	NOUN
ejif-12489	276	8	culture	culture	NOUN
ejif-12489	276	9	is	be	AUX
ejif-12489	276	10	critical	critical	ADJ
ejif-12489	276	11	for	for	ADP
ejif-12489	276	12	preserving	preserve	VERB
ejif-12489	276	13	a	a	DET
ejif-12489	276	14	balance	balance	NOUN
ejif-12489	276	15	of	of	ADP
ejif-12489	276	16	faith	faith	NOUN
ejif-12489	276	17	.	.	PUNCT
ejif-12489	277	1	understanding	understand	VERB
ejif-12489	277	2	islamic	islamic	ADJ
ejif-12489	277	3	jurisprudence	jurisprudence	NOUN
ejif-12489	277	4	(	(	PUNCT
ejif-12489	277	5	fiqh	fiqh	NOUN
ejif-12489	277	6	muamalat	muamalat	NOUN
ejif-12489	277	7	)	)	PUNCT
ejif-12489	277	8	and	and	CCONJ
ejif-12489	277	9	adherence	adherence	NOUN
ejif-12489	277	10	to	to	ADP
ejif-12489	277	11	sharia	sharia	PROPN
ejif-12489	277	12	in	in	ADP
ejif-12489	277	13	islamic	islamic	ADJ
ejif-12489	277	14	financial	financial	ADJ
ejif-12489	277	15	institutions	institution	NOUN
ejif-12489	277	16	,	,	PUNCT
ejif-12489	277	17	which	which	PRON
ejif-12489	277	18	is	be	AUX
ejif-12489	277	19	based	base	VERB
ejif-12489	277	20	on	on	ADP
ejif-12489	277	21	islamic	islamic	PROPN
ejif-12489	277	22	sharia	sharia	PROPN
ejif-12489	277	23	practices	practice	NOUN
ejif-12489	277	24	and	and	CCONJ
ejif-12489	277	25	faith	faith	NOUN
ejif-12489	277	26	in	in	ADP
ejif-12489	277	27	god	god	PROPN
ejif-12489	277	28	,	,	PUNCT
ejif-12489	277	29	will	will	AUX
ejif-12489	277	30	have	have	VERB
ejif-12489	277	31	an	an	DET
ejif-12489	277	32	impact	impact	NOUN
ejif-12489	277	33	on	on	ADP
ejif-12489	277	34	the	the	DET
ejif-12489	277	35	institution	institution	NOUN
ejif-12489	277	36	's	's	PART
ejif-12489	277	37	and	and	CCONJ
ejif-12489	277	38	its	its	PRON
ejif-12489	277	39	workers	worker	NOUN
ejif-12489	277	40	'	'	PART
ejif-12489	277	41	ethical	ethical	ADJ
ejif-12489	277	42	behavior	behavior	NOUN
ejif-12489	277	43	(	(	PUNCT
ejif-12489	277	44	ihsan	ihsan	NOUN
ejif-12489	277	45	)	)	PUNCT
ejif-12489	277	46	.	.	PUNCT
ejif-12489	278	1	this	this	PRON
ejif-12489	278	2	will	will	AUX
ejif-12489	278	3	prevent	prevent	VERB
ejif-12489	278	4	actions	action	NOUN
ejif-12489	278	5	that	that	PRON
ejif-12489	278	6	are	be	AUX
ejif-12489	278	7	detrimental	detrimental	ADJ
ejif-12489	278	8	to	to	ADP
ejif-12489	278	9	the	the	DET
ejif-12489	278	10	institution	institution	NOUN
ejif-12489	278	11	,	,	PUNCT
ejif-12489	278	12	thus	thus	ADV
ejif-12489	278	13	facilitating	facilitate	VERB
ejif-12489	278	14	risk	risk	NOUN
ejif-12489	278	15	management	management	NOUN
ejif-12489	278	16	.	.	PUNCT
ejif-12489	279	1	sharia	sharia	PROPN
ejif-12489	279	2	practice	practice	NOUN
ejif-12489	279	3	,	,	PUNCT
ejif-12489	279	4	which	which	PRON
ejif-12489	279	5	is	be	AUX
ejif-12489	279	6	part	part	NOUN
ejif-12489	279	7	of	of	ADP
ejif-12489	279	8	the	the	DET
ejif-12489	279	9	work	work	NOUN
ejif-12489	279	10	culture	culture	NOUN
ejif-12489	279	11	at	at	ADP
ejif-12489	279	12	bmt	bmt	PROPN
ejif-12489	279	13	ugt	ugt	PROPN
ejif-12489	279	14	nusantara	nusantara	PROPN
ejif-12489	279	15	,	,	PUNCT
ejif-12489	279	16	suggests	suggest	VERB
ejif-12489	279	17	psychological	psychological	ADJ
ejif-12489	279	18	sensitivity	sensitivity	NOUN
ejif-12489	279	19	as	as	ADV
ejif-12489	279	20	well	well	ADV
ejif-12489	279	21	as	as	ADP
ejif-12489	279	22	work	work	NOUN
ejif-12489	279	23	ethics	ethic	NOUN
ejif-12489	279	24	.	.	PUNCT
ejif-12489	280	1	this	this	DET
ejif-12489	280	2	informant	informant	NOUN
ejif-12489	280	3	's	's	PART
ejif-12489	280	4	statements	statement	NOUN
ejif-12489	280	5	are	be	AUX
ejif-12489	280	6	consistent	consistent	ADJ
ejif-12489	280	7	with	with	ADP
ejif-12489	280	8	previous	previous	ADJ
ejif-12489	280	9	research	research	NOUN
ejif-12489	280	10	findings	finding	NOUN
ejif-12489	280	11	indicating	indicate	VERB
ejif-12489	280	12	that	that	SCONJ
ejif-12489	280	13	sharia	sharia	PROPN
ejif-12489	280	14	practices	practice	NOUN
ejif-12489	280	15	have	have	VERB
ejif-12489	280	16	societal	societal	ADJ
ejif-12489	280	17	consequences	consequence	NOUN
ejif-12489	280	18	and	and	CCONJ
ejif-12489	280	19	promote	promote	VERB
ejif-12489	280	20	self	self	NOUN
ejif-12489	280	21	-	-	PUNCT
ejif-12489	280	22	actualization	actualization	NOUN
ejif-12489	280	23	(	(	PUNCT
ejif-12489	280	24	al	al	PROPN
ejif-12489	280	25	-	-	PUNCT
ejif-12489	280	26	krenawi	krenawi	PROPN
ejif-12489	280	27	&	&	CCONJ
ejif-12489	280	28	graham	graham	PROPN
ejif-12489	280	29	,	,	PUNCT
ejif-12489	280	30	2000	2000	NUM
ejif-12489	280	31	)	)	PUNCT
ejif-12489	280	32	.	.	PUNCT
ejif-12489	281	1	the	the	DET
ejif-12489	281	2	practice	practice	NOUN
ejif-12489	281	3	of	of	ADP
ejif-12489	281	4	islamic	islamic	PROPN
ejif-12489	281	5	sharia	sharia	PROPN
ejif-12489	281	6	strives	strive	VERB
ejif-12489	281	7	not	not	PART
ejif-12489	281	8	only	only	ADV
ejif-12489	281	9	to	to	ADP
ejif-12489	281	10	european	european	ADJ
ejif-12489	281	11	journal	journal	PROPN
ejif-12489	281	12	of	of	ADP
ejif-12489	281	13	islamic	islamic	PROPN
ejif-12489	281	14	finance	finance	PROPN
ejif-12489	281	15	issn	issn	PROPN
ejif-12489	281	16	:	:	PUNCT
ejif-12489	281	17	2421	2421	NUM
ejif-12489	281	18	-	-	SYM
ejif-12489	281	19	2172	2172	NUM
ejif-12489	281	20	doi	doi	NOUN
ejif-12489	281	21	:	:	PUNCT
ejif-12489	281	22	10.13135/2421	10.13135/2421	NUM
ejif-12489	281	23	-	-	SYM
ejif-12489	281	24	2172/12489	2172/12489	NUM
ejif-12489	281	25	published	publish	VERB
ejif-12489	281	26	by	by	ADP
ejif-12489	281	27	university	university	PROPN
ejif-12489	281	28	of	of	ADP
ejif-12489	281	29	turin	turin	PROPN
ejif-12489	282	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	282	2	ejif	ejif	PROPN
ejif-12489	282	3	content	content	NOUN
ejif-12489	282	4	is	be	AUX
ejif-12489	282	5	licensed	license	VERB
ejif-12489	282	6	under	under	ADP
ejif-12489	282	7	a	a	DET
ejif-12489	282	8	creative	creative	ADJ
ejif-12489	282	9	commons	common	NOUN
ejif-12489	282	10	attribution	attribution	NOUN
ejif-12489	282	11	4.0	4.0	NUM
ejif-12489	282	12	international	international	ADJ
ejif-12489	282	13	license	license	NOUN
ejif-12489	282	14	26	26	NUM
ejif-12489	282	15	maximize	maximize	NOUN
ejif-12489	282	16	profits	profit	NOUN
ejif-12489	282	17	but	but	CCONJ
ejif-12489	282	18	also	also	ADV
ejif-12489	282	19	to	to	PART
ejif-12489	282	20	pay	pay	VERB
ejif-12489	282	21	attention	attention	NOUN
ejif-12489	282	22	to	to	ADP
ejif-12489	282	23	moral	moral	ADJ
ejif-12489	282	24	and	and	CCONJ
ejif-12489	282	25	ethical	ethical	ADJ
ejif-12489	282	26	principles	principle	NOUN
ejif-12489	282	27	known	know	VERB
ejif-12489	282	28	in	in	ADP
ejif-12489	282	29	islam	islam	PROPN
ejif-12489	282	30	as	as	ADP
ejif-12489	282	31	akhlaq	akhlaq	PROPN
ejif-12489	282	32	(	(	PUNCT
ejif-12489	282	33	chapra	chapra	PROPN
ejif-12489	282	34	,	,	PUNCT
ejif-12489	282	35	2008	2008	NUM
ejif-12489	282	36	;	;	PUNCT
ejif-12489	282	37	naqvi	naqvi	NOUN
ejif-12489	282	38	,	,	PUNCT
ejif-12489	282	39	1994	1994	NUM
ejif-12489	282	40	)	)	PUNCT
ejif-12489	282	41	,	,	PUNCT
ejif-12489	282	42	which	which	PRON
ejif-12489	282	43	lead	lead	VERB
ejif-12489	282	44	to	to	ADP
ejif-12489	282	45	a	a	DET
ejif-12489	282	46	sense	sense	NOUN
ejif-12489	282	47	of	of	ADP
ejif-12489	282	48	god	god	PROPN
ejif-12489	282	49	,	,	PUNCT
ejif-12489	282	50	or	or	CCONJ
ejif-12489	282	51	another	another	DET
ejif-12489	282	52	perspective	perspective	NOUN
ejif-12489	282	53	known	know	VERB
ejif-12489	282	54	as	as	ADP
ejif-12489	282	55	taqwa	taqwa	ADJ
ejif-12489	282	56	-	-	ADJ
ejif-12489	282	57	centric	centric	ADJ
ejif-12489	282	58	(	(	PUNCT
ejif-12489	282	59	dusuki	dusuki	NOUN
ejif-12489	282	60	,	,	PUNCT
ejif-12489	282	61	2008	2008	NUM
ejif-12489	282	62	)	)	PUNCT
ejif-12489	282	63	.	.	PUNCT
ejif-12489	283	1	the	the	DET
ejif-12489	283	2	proper	proper	ADJ
ejif-12489	283	3	application	application	NOUN
ejif-12489	283	4	of	of	ADP
ejif-12489	283	5	islamic	islamic	ADJ
ejif-12489	283	6	jurisprudence	jurisprudence	NOUN
ejif-12489	283	7	(	(	PUNCT
ejif-12489	283	8	fiqh	fiqh	NOUN
ejif-12489	283	9	muamalat	muamalat	NOUN
ejif-12489	283	10	)	)	PUNCT
ejif-12489	283	11	leads	lead	VERB
ejif-12489	283	12	to	to	ADP
ejif-12489	283	13	ethical	ethical	ADJ
ejif-12489	283	14	business	business	NOUN
ejif-12489	283	15	operations	operation	NOUN
ejif-12489	283	16	that	that	PRON
ejif-12489	283	17	are	be	AUX
ejif-12489	283	18	grounded	ground	VERB
ejif-12489	283	19	in	in	ADP
ejif-12489	283	20	islamic	islamic	ADJ
ejif-12489	283	21	law	law	NOUN
ejif-12489	283	22	(	(	PUNCT
ejif-12489	283	23	figure	figure	NOUN
ejif-12489	283	24	1	1	NUM
ejif-12489	283	25	)	)	PUNCT
ejif-12489	283	26	.	.	PUNCT
ejif-12489	284	1	this	this	DET
ejif-12489	284	2	remark	remark	NOUN
ejif-12489	284	3	supports	support	VERB
ejif-12489	284	4	a	a	DET
ejif-12489	284	5	prior	prior	ADJ
ejif-12489	284	6	study	study	NOUN
ejif-12489	284	7	that	that	SCONJ
ejif-12489	284	8	islam	islam	PROPN
ejif-12489	284	9	prevents	prevent	VERB
ejif-12489	284	10	individuals	individual	NOUN
ejif-12489	284	11	from	from	ADP
ejif-12489	284	12	acting	act	VERB
ejif-12489	284	13	at	at	ADP
ejif-12489	284	14	will	will	NOUN
ejif-12489	284	15	and	and	CCONJ
ejif-12489	284	16	justifying	justify	VERB
ejif-12489	284	17	any	any	DET
ejif-12489	284	18	means	mean	NOUN
ejif-12489	284	19	,	,	PUNCT
ejif-12489	284	20	such	such	ADJ
ejif-12489	284	21	as	as	ADP
ejif-12489	284	22	gambling	gambling	NOUN
ejif-12489	284	23	,	,	PUNCT
ejif-12489	284	24	cheating	cheating	NOUN
ejif-12489	284	25	,	,	PUNCT
ejif-12489	284	26	usury	usury	NOUN
ejif-12489	284	27	(	(	PUNCT
ejif-12489	284	28	riba	riba	PROPN
ejif-12489	284	29	)	)	PUNCT
ejif-12489	284	30	,	,	PUNCT
ejif-12489	284	31	and	and	CCONJ
ejif-12489	284	32	other	other	ADJ
ejif-12489	284	33	negative	negative	ADJ
ejif-12489	284	34	activities	activity	NOUN
ejif-12489	284	35	,	,	PUNCT
ejif-12489	284	36	and	and	CCONJ
ejif-12489	284	37	emphasizes	emphasize	VERB
ejif-12489	284	38	moral	moral	ADJ
ejif-12489	284	39	responsibility	responsibility	NOUN
ejif-12489	284	40	(	(	PUNCT
ejif-12489	284	41	sachedina	sachedina	NOUN
ejif-12489	284	42	,	,	PUNCT
ejif-12489	284	43	2001	2001	NUM
ejif-12489	284	44	)	)	PUNCT
ejif-12489	284	45	.	.	PUNCT
ejif-12489	285	1	islamic	islamic	ADJ
ejif-12489	285	2	ethics	ethic	NOUN
ejif-12489	285	3	distinguishes	distinguish	VERB
ejif-12489	285	4	between	between	ADP
ejif-12489	285	5	what	what	PRON
ejif-12489	285	6	is	be	AUX
ejif-12489	285	7	allowed	allow	VERB
ejif-12489	285	8	and	and	CCONJ
ejif-12489	285	9	what	what	PRON
ejif-12489	285	10	is	be	AUX
ejif-12489	285	11	not	not	PART
ejif-12489	285	12	,	,	PUNCT
ejif-12489	285	13	what	what	PRON
ejif-12489	285	14	is	be	AUX
ejif-12489	285	15	halal	halal	NOUN
ejif-12489	285	16	(	(	PUNCT
ejif-12489	285	17	permissible	permissible	ADJ
ejif-12489	285	18	)	)	PUNCT
ejif-12489	285	19	and	and	CCONJ
ejif-12489	285	20	what	what	PRON
ejif-12489	285	21	is	be	AUX
ejif-12489	285	22	haram	haram	PROPN
ejif-12489	285	23	(	(	PUNCT
ejif-12489	285	24	forbidden	forbidden	PROPN
ejif-12489	285	25	)	)	PUNCT
ejif-12489	285	26	.	.	PUNCT
ejif-12489	286	1	strong	strong	ADJ
ejif-12489	286	2	islamic	islamic	ADJ
ejif-12489	286	3	jurisprudence	jurisprudence	NOUN
ejif-12489	286	4	(	(	PUNCT
ejif-12489	286	5	fiqh	fiqh	NOUN
ejif-12489	286	6	muamalat	muamalat	NOUN
ejif-12489	286	7	)	)	PUNCT
ejif-12489	286	8	fosters	foster	VERB
ejif-12489	286	9	robust	robust	ADJ
ejif-12489	286	10	business	business	NOUN
ejif-12489	286	11	ethics	ethic	NOUN
ejif-12489	286	12	.	.	PUNCT
ejif-12489	287	1	this	this	DET
ejif-12489	287	2	effort	effort	NOUN
ejif-12489	287	3	is	be	AUX
ejif-12489	287	4	carried	carry	VERB
ejif-12489	287	5	out	out	ADP
ejif-12489	287	6	by	by	ADP
ejif-12489	287	7	delivering	deliver	VERB
ejif-12489	287	8	specialized	specialized	ADJ
ejif-12489	287	9	contract	contract	NOUN
ejif-12489	287	10	education	education	NOUN
ejif-12489	287	11	and	and	CCONJ
ejif-12489	287	12	training	training	NOUN
ejif-12489	287	13	to	to	ADP
ejif-12489	287	14	all	all	DET
ejif-12489	287	15	branch	branch	NOUN
ejif-12489	287	16	managers	manager	NOUN
ejif-12489	287	17	who	who	PRON
ejif-12489	287	18	make	make	VERB
ejif-12489	287	19	transaction	transaction	NOUN
ejif-12489	287	20	contract	contract	NOUN
ejif-12489	287	21	decisions	decision	NOUN
ejif-12489	287	22	in	in	ADP
ejif-12489	287	23	their	their	PRON
ejif-12489	287	24	respective	respective	ADJ
ejif-12489	287	25	regions	region	NOUN
ejif-12489	287	26	.	.	PUNCT
ejif-12489	288	1	lower	low	ADJ
ejif-12489	288	2	-	-	PUNCT
ejif-12489	288	3	level	level	NOUN
ejif-12489	288	4	employees	employee	NOUN
ejif-12489	288	5	also	also	ADV
ejif-12489	288	6	receive	receive	VERB
ejif-12489	288	7	general	general	ADJ
ejif-12489	288	8	contract	contract	NOUN
ejif-12489	288	9	education	education	NOUN
ejif-12489	288	10	and	and	CCONJ
ejif-12489	288	11	training	training	NOUN
ejif-12489	288	12	using	use	VERB
ejif-12489	288	13	an	an	DET
ejif-12489	288	14	information	information	NOUN
ejif-12489	288	15	system	system	NOUN
ejif-12489	288	16	.	.	PUNCT
ejif-12489	289	1	the	the	DET
ejif-12489	289	2	purpose	purpose	NOUN
ejif-12489	289	3	is	be	AUX
ejif-12489	289	4	to	to	PART
ejif-12489	289	5	gain	gain	VERB
ejif-12489	289	6	a	a	DET
ejif-12489	289	7	complete	complete	ADJ
ejif-12489	289	8	understanding	understanding	NOUN
ejif-12489	289	9	of	of	ADP
ejif-12489	289	10	sharia	sharia	NOUN
ejif-12489	289	11	-	-	PUNCT
ejif-12489	289	12	compliant	compliant	ADJ
ejif-12489	289	13	business	business	NOUN
ejif-12489	289	14	ethics	ethic	NOUN
ejif-12489	289	15	.	.	PUNCT
ejif-12489	290	1	a	a	DET
ejif-12489	290	2	thorough	thorough	ADJ
ejif-12489	290	3	understanding	understanding	NOUN
ejif-12489	290	4	of	of	ADP
ejif-12489	290	5	islamic	islamic	ADJ
ejif-12489	290	6	jurisprudence	jurisprudence	NOUN
ejif-12489	290	7	(	(	PUNCT
ejif-12489	290	8	fiqh	fiqh	NOUN
ejif-12489	290	9	muamalat	muamalat	NOUN
ejif-12489	290	10	)	)	PUNCT
ejif-12489	290	11	applied	apply	VERB
ejif-12489	290	12	in	in	ADP
ejif-12489	290	13	business	business	NOUN
ejif-12489	290	14	will	will	AUX
ejif-12489	290	15	mitigate	mitigate	VERB
ejif-12489	290	16	any	any	DET
ejif-12489	290	17	potential	potential	ADJ
ejif-12489	290	18	risks	risk	NOUN
ejif-12489	290	19	.	.	PUNCT
ejif-12489	291	1	as	as	ADP
ejif-12489	291	2	a	a	DET
ejif-12489	291	3	result	result	NOUN
ejif-12489	291	4	,	,	PUNCT
ejif-12489	291	5	good	good	ADJ
ejif-12489	291	6	islamic	islamic	ADJ
ejif-12489	291	7	jurisprudence	jurisprudence	NOUN
ejif-12489	291	8	practices	practice	NOUN
ejif-12489	291	9	integrated	integrate	VERB
ejif-12489	291	10	into	into	ADP
ejif-12489	291	11	workplace	workplace	NOUN
ejif-12489	291	12	culture	culture	NOUN
ejif-12489	291	13	embody	embody	VERB
ejif-12489	291	14	ethics	ethic	NOUN
ejif-12489	291	15	and	and	CCONJ
ejif-12489	291	16	are	be	AUX
ejif-12489	291	17	acknowledged	acknowledge	VERB
ejif-12489	291	18	as	as	ADP
ejif-12489	291	19	a	a	DET
ejif-12489	291	20	risk	risk	NOUN
ejif-12489	291	21	management	management	NOUN
ejif-12489	291	22	technique	technique	NOUN
ejif-12489	291	23	.	.	PUNCT
ejif-12489	292	1	this	this	DET
ejif-12489	292	2	study	study	NOUN
ejif-12489	292	3	demonstrates	demonstrate	VERB
ejif-12489	292	4	that	that	SCONJ
ejif-12489	292	5	firms	firm	NOUN
ejif-12489	292	6	that	that	PRON
ejif-12489	292	7	implement	implement	VERB
ejif-12489	292	8	a	a	DET
ejif-12489	292	9	code	code	NOUN
ejif-12489	292	10	of	of	ADP
ejif-12489	292	11	ethics	ethic	NOUN
ejif-12489	292	12	in	in	ADP
ejif-12489	292	13	any	any	DET
ejif-12489	292	14	form	form	NOUN
ejif-12489	292	15	can	can	AUX
ejif-12489	292	16	influence	influence	VERB
ejif-12489	292	17	risk	risk	NOUN
ejif-12489	292	18	management	management	NOUN
ejif-12489	292	19	practices	practice	NOUN
ejif-12489	292	20	(	(	PUNCT
ejif-12489	292	21	francis	francis	PROPN
ejif-12489	292	22	&	&	CCONJ
ejif-12489	292	23	armstrong	armstrong	PROPN
ejif-12489	292	24	,	,	PUNCT
ejif-12489	292	25	2003	2003	NUM
ejif-12489	292	26	;	;	PUNCT
ejif-12489	292	27	luo	luo	PROPN
ejif-12489	292	28	&	&	CCONJ
ejif-12489	292	29	bhattacharya	bhattacharya	PROPN
ejif-12489	292	30	,	,	PUNCT
ejif-12489	292	31	2009	2009	NUM
ejif-12489	292	32	)	)	PUNCT
ejif-12489	292	33	.	.	PUNCT
ejif-12489	293	1	the	the	DET
ejif-12489	293	2	figure	figure	NOUN
ejif-12489	293	3	below	below	ADP
ejif-12489	293	4	depicts	depict	VERB
ejif-12489	293	5	islamic	islamic	ADJ
ejif-12489	293	6	jurisprudence	jurisprudence	NOUN
ejif-12489	293	7	practices	practice	NOUN
ejif-12489	293	8	at	at	ADP
ejif-12489	293	9	bmt	bmt	PROPN
ejif-12489	293	10	ugt	ugt	PROPN
ejif-12489	293	11	nusantara	nusantara	PROPN
ejif-12489	293	12	(	(	PUNCT
ejif-12489	293	13	muhammad	muhammad	PROPN
ejif-12489	293	14	,	,	PUNCT
ejif-12489	293	15	2020	2020	NUM
ejif-12489	293	16	)	)	PUNCT
ejif-12489	293	17	.	.	PUNCT
ejif-12489	294	1	figure	figure	NOUN
ejif-12489	294	2	1	1	NUM
ejif-12489	294	3	.	.	PUNCT
ejif-12489	295	1	practice	practice	NOUN
ejif-12489	295	2	of	of	ADP
ejif-12489	295	3	fiqh	fiqh	PROPN
ejif-12489	295	4	muamalat	muamalat	PROPN
ejif-12489	295	5	source	source	PROPN
ejif-12489	295	6	:	:	PUNCT
ejif-12489	295	7	muhammad	muhammad	X
ejif-12489	295	8	(	(	PUNCT
ejif-12489	295	9	2020	2020	NUM
ejif-12489	295	10	)	)	PUNCT
ejif-12489	295	11	6	6	NUM
ejif-12489	295	12	.	.	PUNCT
ejif-12489	295	13	conclusion	conclusion	NOUN
ejif-12489	295	14	as	as	ADP
ejif-12489	295	15	one	one	NUM
ejif-12489	295	16	of	of	ADP
ejif-12489	295	17	the	the	DET
ejif-12489	295	18	largest	large	ADJ
ejif-12489	295	19	islamic	islamic	ADJ
ejif-12489	295	20	microfinance	microfinance	NOUN
ejif-12489	295	21	institutions	institution	NOUN
ejif-12489	295	22	in	in	ADP
ejif-12489	295	23	indonesia	indonesia	PROPN
ejif-12489	295	24	,	,	PUNCT
ejif-12489	295	25	bmt	bmt	VERB
ejif-12489	295	26	ugt	ugt	PROPN
ejif-12489	295	27	nusantara	nusantara	PROPN
ejif-12489	295	28	is	be	AUX
ejif-12489	295	29	committed	commit	VERB
ejif-12489	295	30	to	to	ADP
ejif-12489	295	31	enhancing	enhance	VERB
ejif-12489	295	32	financial	financial	ADJ
ejif-12489	295	33	and	and	CCONJ
ejif-12489	295	34	organizational	organizational	ADJ
ejif-12489	295	35	performance	performance	NOUN
ejif-12489	295	36	through	through	ADP
ejif-12489	295	37	effective	effective	ADJ
ejif-12489	295	38	risk	risk	NOUN
ejif-12489	295	39	management	management	NOUN
ejif-12489	295	40	practices	practice	NOUN
ejif-12489	295	41	and	and	CCONJ
ejif-12489	295	42	the	the	DET
ejif-12489	295	43	implementation	implementation	NOUN
ejif-12489	295	44	of	of	ADP
ejif-12489	295	45	islamic	islamic	ADJ
ejif-12489	295	46	jurisprudence	jurisprudence	NOUN
ejif-12489	295	47	(	(	PUNCT
ejif-12489	295	48	fiqh	fiqh	NOUN
ejif-12489	295	49	muamalat	muamalat	NOUN
ejif-12489	295	50	)	)	PUNCT
ejif-12489	295	51	as	as	ADP
ejif-12489	295	52	a	a	DET
ejif-12489	295	53	cornerstone	cornerstone	NOUN
ejif-12489	295	54	of	of	ADP
ejif-12489	295	55	its	its	PRON
ejif-12489	295	56	ethical	ethical	ADJ
ejif-12489	295	57	work	work	NOUN
ejif-12489	295	58	culture	culture	NOUN
ejif-12489	295	59	.	.	PUNCT
ejif-12489	296	1	the	the	DET
ejif-12489	296	2	findings	finding	NOUN
ejif-12489	296	3	of	of	ADP
ejif-12489	296	4	this	this	DET
ejif-12489	296	5	study	study	NOUN
ejif-12489	296	6	support	support	VERB
ejif-12489	296	7	this	this	DET
ejif-12489	296	8	conclusion	conclusion	NOUN
ejif-12489	296	9	.	.	PUNCT
ejif-12489	297	1	bmt	bmt	VERB
ejif-12489	297	2	ugt	ugt	PROPN
ejif-12489	297	3	nusantara	nusantara	PROPN
ejif-12489	297	4	,	,	PUNCT
ejif-12489	297	5	an	an	DET
ejif-12489	297	6	islamic	islamic	ADJ
ejif-12489	297	7	microfinance	microfinance	NOUN
ejif-12489	297	8	institution	institution	NOUN
ejif-12489	297	9	(	(	PUNCT
ejif-12489	297	10	imfis	imfis	PROPN
ejif-12489	297	11	)	)	PUNCT
ejif-12489	297	12	,	,	PUNCT
ejif-12489	297	13	employs	employ	VERB
ejif-12489	297	14	effective	effective	ADJ
ejif-12489	297	15	risk	risk	NOUN
ejif-12489	297	16	management	management	NOUN
ejif-12489	297	17	.	.	PUNCT
ejif-12489	298	1	the	the	DET
ejif-12489	298	2	risk	risk	NOUN
ejif-12489	298	3	management	management	NOUN
ejif-12489	298	4	practices	practice	NOUN
ejif-12489	298	5	encompass	encompass	VERB
ejif-12489	298	6	recognizing	recognize	VERB
ejif-12489	298	7	risks	risk	NOUN
ejif-12489	298	8	,	,	PUNCT
ejif-12489	298	9	identifying	identify	VERB
ejif-12489	298	10	them	they	PRON
ejif-12489	298	11	,	,	PUNCT
ejif-12489	298	12	reducing	reduce	VERB
ejif-12489	298	13	them	they	PRON
ejif-12489	298	14	,	,	PUNCT
ejif-12489	298	15	and	and	CCONJ
ejif-12489	298	16	understanding	understand	VERB
ejif-12489	298	17	the	the	DET
ejif-12489	298	18	impact	impact	NOUN
ejif-12489	298	19	of	of	ADP
ejif-12489	298	20	risk	risk	NOUN
ejif-12489	298	21	management	management	NOUN
ejif-12489	298	22	.	.	PUNCT
ejif-12489	299	1	despite	despite	SCONJ
ejif-12489	299	2	the	the	DET
ejif-12489	299	3	lack	lack	NOUN
ejif-12489	299	4	of	of	ADP
ejif-12489	299	5	standards	standard	NOUN
ejif-12489	299	6	and	and	CCONJ
ejif-12489	299	7	the	the	DET
ejif-12489	299	8	perception	perception	NOUN
ejif-12489	299	9	that	that	SCONJ
ejif-12489	299	10	risk	risk	NOUN
ejif-12489	299	11	management	management	NOUN
ejif-12489	299	12	is	be	AUX
ejif-12489	299	13	only	only	ADV
ejif-12489	299	14	partial	partial	ADJ
ejif-12489	299	15	,	,	PUNCT
ejif-12489	299	16	these	these	DET
ejif-12489	299	17	practices	practice	NOUN
ejif-12489	299	18	have	have	AUX
ejif-12489	299	19	improved	improve	VERB
ejif-12489	299	20	financial	financial	ADJ
ejif-12489	299	21	and	and	CCONJ
ejif-12489	299	22	organizational	organizational	ADJ
ejif-12489	299	23	performance	performance	NOUN
ejif-12489	299	24	.	.	PUNCT
ejif-12489	300	1	sharia	sharia	PROPN
ejif-12489	300	2	compliance	compliance	NOUN
ejif-12489	300	3	risk	risk	NOUN
ejif-12489	300	4	is	be	AUX
ejif-12489	300	5	the	the	DET
ejif-12489	300	6	most	most	ADV
ejif-12489	300	7	widely	widely	ADV
ejif-12489	300	8	recognized	recognize	VERB
ejif-12489	300	9	risk	risk	NOUN
ejif-12489	300	10	at	at	ADP
ejif-12489	300	11	bmt	bmt	PROPN
ejif-12489	300	12	ugt	ugt	PROPN
ejif-12489	300	13	nusantara	nusantara	NOUN
ejif-12489	300	14	,	,	PUNCT
ejif-12489	300	15	while	while	SCONJ
ejif-12489	300	16	al	al	PROPN
ejif-12489	300	17	-	-	PUNCT
ejif-12489	300	18	madiyah	madiyah	NOUN
ejif-12489	300	19	(	(	PUNCT
ejif-12489	300	20	product	product	NOUN
ejif-12489	300	21	law	law	NOUN
ejif-12489	300	22	)	)	PUNCT
ejif-12489	300	23	halal	halal	NOUN
ejif-12489	300	24	-	-	PUNCT
ejif-12489	300	25	thoyib	thoyib	NOUN
ejif-12489	300	26	(	(	PUNCT
ejif-12489	300	27	halal	halal	NOUN
ejif-12489	300	28	-	-	PUNCT
ejif-12489	300	29	good	good	NOUN
ejif-12489	300	30	)	)	PUNCT
ejif-12489	300	31	•	•	NOUN
ejif-12489	300	32	haram	haram	PROPN
ejif-12489	300	33	(	(	PUNCT
ejif-12489	300	34	forbidden)•	forbidden)•	VERB
ejif-12489	300	35	syubhat	syubhat	DET
ejif-12489	300	36	(	(	PUNCT
ejif-12489	300	37	suspicion)•	suspicion)•	PROPN
ejif-12489	300	38	madharat	madharat	PROPN
ejif-12489	300	39	(	(	PUNCT
ejif-12489	300	40	harmful	harmful	ADJ
ejif-12489	300	41	)	)	PUNCT
ejif-12489	300	42	•	•	NOUN
ejif-12489	300	43	maslahat	maslahat	NOUN
ejif-12489	300	44	(	(	PUNCT
ejif-12489	300	45	benefit	benefit	NOUN
ejif-12489	300	46	)	)	PUNCT
ejif-12489	300	47	•	•	NOUN
ejif-12489	300	48	al	al	PROPN
ejif-12489	300	49	-	-	PUNCT
ejif-12489	300	50	adabiyah	adabiyah	NOUN
ejif-12489	300	51	(	(	PUNCT
ejif-12489	300	52	the	the	DET
ejif-12489	300	53	process	process	NOUN
ejif-12489	300	54	of	of	ADP
ejif-12489	300	55	avoiding	avoid	VERB
ejif-12489	300	56	):	):	PUNCT
ejif-12489	300	57	•	•	PROPN
ejif-12489	300	58	maysir	maysir	NOUN
ejif-12489	300	59	(	(	PUNCT
ejif-12489	300	60	gambling	gambling	NOUN
ejif-12489	300	61	)	)	PUNCT
ejif-12489	300	62	•	•	NUM
ejif-12489	300	63	gharar	gharar	NOUN
ejif-12489	300	64	(	(	PUNCT
ejif-12489	300	65	speculative	speculative	ADJ
ejif-12489	300	66	)	)	PUNCT
ejif-12489	300	67	•	•	NUM
ejif-12489	300	68	riba	riba	NOUN
ejif-12489	300	69	(	(	PUNCT
ejif-12489	300	70	usury	usury	NOUN
ejif-12489	300	71	)	)	PUNCT
ejif-12489	300	72	•	•	NUM
ejif-12489	300	73	bathil	bathil	NOUN
ejif-12489	300	74	(	(	PUNCT
ejif-12489	300	75	nullification	nullification	NOUN
ejif-12489	300	76	)	)	PUNCT
ejif-12489	300	77	•	•	NOUN
ejif-12489	300	78	riswah	riswah	NOUN
ejif-12489	300	79	(	(	PUNCT
ejif-12489	300	80	bribe	bribe	NOUN
ejif-12489	300	81	)	)	PUNCT
ejif-12489	300	82	•	•	ADV
ejif-12489	300	83	comply	comply	ADV
ejif-12489	300	84	with	with	ADP
ejif-12489	300	85	the	the	DET
ejif-12489	300	86	dsnmui	dsnmui	ADJ
ejif-12489	300	87	fatwa	fatwa	PROPN
ejif-12489	300	88	•	•	ADP
ejif-12489	300	89	ijtihad	ijtihad	VERB
ejif-12489	300	90	fiqh	fiqh	NOUN
ejif-12489	300	91	four	four	NUM
ejif-12489	300	92	mazhab	mazhab	PROPN
ejif-12489	300	93	by	by	ADP
ejif-12489	300	94	the	the	DET
ejif-12489	300	95	sharia	sharia	PROPN
ejif-12489	300	96	supervisory	supervisory	ADJ
ejif-12489	300	97	board	board	NOUN
ejif-12489	300	98	halal	halal	NOUN
ejif-12489	300	99	goals	goal	NOUN
ejif-12489	300	100	ihsan	ihsan	PROPN
ejif-12489	300	101	(	(	PUNCT
ejif-12489	300	102	ethics	ethic	NOUN
ejif-12489	300	103	)	)	PUNCT
ejif-12489	300	104	iman	iman	NOUN
ejif-12489	300	105	(	(	PUNCT
ejif-12489	300	106	faith	faith	NOUN
ejif-12489	300	107	)	)	PUNCT
ejif-12489	300	108	islam	islam	PROPN
ejif-12489	300	109	(	(	PUNCT
ejif-12489	300	110	worship	worship	NOUN
ejif-12489	300	111	)	)	PUNCT
ejif-12489	300	112	european	european	PROPN
ejif-12489	300	113	journal	journal	PROPN
ejif-12489	300	114	of	of	ADP
ejif-12489	300	115	islamic	islamic	PROPN
ejif-12489	300	116	finance	finance	PROPN
ejif-12489	300	117	issn	issn	PROPN
ejif-12489	300	118	:	:	PUNCT
ejif-12489	300	119	2421	2421	NUM
ejif-12489	300	120	-	-	SYM
ejif-12489	300	121	2172	2172	NUM
ejif-12489	300	122	doi	doi	NOUN
ejif-12489	300	123	:	:	PUNCT
ejif-12489	300	124	10.13135/2421	10.13135/2421	NUM
ejif-12489	300	125	-	-	SYM
ejif-12489	300	126	2172/12489	2172/12489	NUM
ejif-12489	300	127	published	publish	VERB
ejif-12489	300	128	by	by	ADP
ejif-12489	300	129	university	university	PROPN
ejif-12489	300	130	of	of	ADP
ejif-12489	300	131	turin	turin	PROPN
ejif-12489	301	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	301	2	ejif	ejif	PROPN
ejif-12489	301	3	content	content	NOUN
ejif-12489	301	4	is	be	AUX
ejif-12489	301	5	licensed	license	VERB
ejif-12489	301	6	under	under	ADP
ejif-12489	301	7	a	a	DET
ejif-12489	301	8	creative	creative	ADJ
ejif-12489	301	9	commons	common	NOUN
ejif-12489	301	10	attribution	attribution	NOUN
ejif-12489	301	11	4.0	4.0	NUM
ejif-12489	301	12	international	international	ADJ
ejif-12489	301	13	license	license	NOUN
ejif-12489	301	14	27	27	NUM
ejif-12489	301	15	financing	financing	NOUN
ejif-12489	301	16	and	and	CCONJ
ejif-12489	301	17	liquidity	liquidity	NOUN
ejif-12489	301	18	risks	risk	NOUN
ejif-12489	301	19	are	be	AUX
ejif-12489	301	20	the	the	DET
ejif-12489	301	21	most	most	ADV
ejif-12489	301	22	anticipated	anticipate	VERB
ejif-12489	301	23	,	,	PUNCT
ejif-12489	301	24	as	as	SCONJ
ejif-12489	301	25	both	both	PRON
ejif-12489	301	26	have	have	VERB
ejif-12489	301	27	a	a	DET
ejif-12489	301	28	direct	direct	ADJ
ejif-12489	301	29	impact	impact	NOUN
ejif-12489	301	30	on	on	ADP
ejif-12489	301	31	financial	financial	ADJ
ejif-12489	301	32	and	and	CCONJ
ejif-12489	301	33	organizational	organizational	ADJ
ejif-12489	301	34	performance	performance	NOUN
ejif-12489	301	35	.	.	PUNCT
ejif-12489	302	1	the	the	DET
ejif-12489	302	2	practice	practice	NOUN
ejif-12489	302	3	of	of	ADP
ejif-12489	302	4	fiqh	fiqh	PROPN
ejif-12489	302	5	muamalat	muamalat	NOUN
ejif-12489	302	6	at	at	ADP
ejif-12489	302	7	bmt	bmt	PROPN
ejif-12489	302	8	ugt	ugt	PROPN
ejif-12489	302	9	nusantara	nusantara	PROPN
ejif-12489	302	10	is	be	AUX
ejif-12489	302	11	well	well	ADV
ejif-12489	302	12	-	-	PUNCT
ejif-12489	302	13	executed	execute	VERB
ejif-12489	302	14	,	,	PUNCT
ejif-12489	302	15	with	with	ADP
ejif-12489	302	16	sharia	sharia	PROPN
ejif-12489	302	17	compliance	compliance	NOUN
ejif-12489	302	18	serving	serve	VERB
ejif-12489	302	19	as	as	ADP
ejif-12489	302	20	an	an	DET
ejif-12489	302	21	operational	operational	ADJ
ejif-12489	302	22	system	system	NOUN
ejif-12489	302	23	and	and	CCONJ
ejif-12489	302	24	sharia	sharia	PROPN
ejif-12489	302	25	practices	practice	NOUN
ejif-12489	302	26	as	as	ADP
ejif-12489	302	27	a	a	DET
ejif-12489	302	28	work	work	NOUN
ejif-12489	302	29	culture	culture	NOUN
ejif-12489	302	30	.	.	PUNCT
ejif-12489	303	1	this	this	DET
ejif-12489	303	2	integration	integration	NOUN
ejif-12489	303	3	encourages	encourage	VERB
ejif-12489	303	4	ethical	ethical	ADJ
ejif-12489	303	5	behavior	behavior	NOUN
ejif-12489	303	6	and	and	CCONJ
ejif-12489	303	7	is	be	AUX
ejif-12489	303	8	acknowledged	acknowledge	VERB
ejif-12489	303	9	as	as	ADP
ejif-12489	303	10	a	a	DET
ejif-12489	303	11	method	method	NOUN
ejif-12489	303	12	that	that	PRON
ejif-12489	303	13	influences	influence	VERB
ejif-12489	303	14	risk	risk	NOUN
ejif-12489	303	15	management	management	NOUN
ejif-12489	303	16	practices	practice	NOUN
ejif-12489	303	17	.	.	PUNCT
ejif-12489	304	1	this	this	DET
ejif-12489	304	2	research	research	NOUN
ejif-12489	304	3	offers	offer	VERB
ejif-12489	304	4	beneficial	beneficial	ADJ
ejif-12489	304	5	implications	implication	NOUN
ejif-12489	304	6	for	for	ADP
ejif-12489	304	7	risk	risk	NOUN
ejif-12489	304	8	management	management	NOUN
ejif-12489	304	9	strategies	strategy	NOUN
ejif-12489	304	10	at	at	ADP
ejif-12489	304	11	imfis	imfis	NOUN
ejif-12489	304	12	,	,	PUNCT
ejif-12489	304	13	which	which	PRON
ejif-12489	304	14	can	can	AUX
ejif-12489	304	15	improve	improve	VERB
ejif-12489	304	16	financial	financial	ADJ
ejif-12489	304	17	and	and	CCONJ
ejif-12489	304	18	organizational	organizational	ADJ
ejif-12489	304	19	performance	performance	NOUN
ejif-12489	304	20	.	.	PUNCT
ejif-12489	305	1	serious	serious	ADJ
ejif-12489	305	2	efforts	effort	NOUN
ejif-12489	305	3	are	be	AUX
ejif-12489	305	4	required	require	VERB
ejif-12489	305	5	within	within	ADP
ejif-12489	305	6	imfis	imfis	NOUN
ejif-12489	305	7	to	to	PART
ejif-12489	305	8	develop	develop	VERB
ejif-12489	305	9	human	human	ADJ
ejif-12489	305	10	resource	resource	NOUN
ejif-12489	305	11	capabilities	capability	NOUN
ejif-12489	305	12	,	,	PUNCT
ejif-12489	305	13	such	such	ADJ
ejif-12489	305	14	as	as	ADP
ejif-12489	305	15	technical	technical	ADJ
ejif-12489	305	16	risk	risk	NOUN
ejif-12489	305	17	management	management	NOUN
ejif-12489	305	18	skills	skill	NOUN
ejif-12489	305	19	and	and	CCONJ
ejif-12489	305	20	a	a	DET
ejif-12489	305	21	comprehensive	comprehensive	ADJ
ejif-12489	305	22	understanding	understanding	NOUN
ejif-12489	305	23	of	of	ADP
ejif-12489	305	24	sharia	sharia	PROPN
ejif-12489	305	25	principles	principle	NOUN
ejif-12489	305	26	.	.	PUNCT
ejif-12489	306	1	the	the	DET
ejif-12489	306	2	findings	finding	NOUN
ejif-12489	306	3	recommend	recommend	VERB
ejif-12489	306	4	a	a	DET
ejif-12489	306	5	novel	novel	ADJ
ejif-12489	306	6	approach	approach	NOUN
ejif-12489	306	7	to	to	ADP
ejif-12489	306	8	risk	risk	NOUN
ejif-12489	306	9	management	management	NOUN
ejif-12489	306	10	practices	practice	NOUN
ejif-12489	306	11	,	,	PUNCT
ejif-12489	306	12	contributing	contribute	VERB
ejif-12489	306	13	to	to	ADP
ejif-12489	306	14	the	the	DET
ejif-12489	306	15	body	body	NOUN
ejif-12489	306	16	of	of	ADP
ejif-12489	306	17	knowledge	knowledge	NOUN
ejif-12489	306	18	in	in	ADP
ejif-12489	306	19	the	the	DET
ejif-12489	306	20	field	field	NOUN
ejif-12489	306	21	of	of	ADP
ejif-12489	306	22	risk	risk	NOUN
ejif-12489	306	23	management	management	NOUN
ejif-12489	306	24	.	.	PUNCT
ejif-12489	307	1	this	this	DET
ejif-12489	307	2	research	research	NOUN
ejif-12489	307	3	is	be	AUX
ejif-12489	307	4	recognized	recognize	VERB
ejif-12489	307	5	as	as	ADP
ejif-12489	307	6	a	a	DET
ejif-12489	307	7	case	case	NOUN
ejif-12489	307	8	study	study	NOUN
ejif-12489	307	9	,	,	PUNCT
ejif-12489	307	10	but	but	CCONJ
ejif-12489	307	11	it	it	PRON
ejif-12489	307	12	could	could	AUX
ejif-12489	307	13	potentially	potentially	ADV
ejif-12489	307	14	serve	serve	VERB
ejif-12489	307	15	as	as	ADP
ejif-12489	307	16	a	a	DET
ejif-12489	307	17	reference	reference	NOUN
ejif-12489	307	18	for	for	ADP
ejif-12489	307	19	imfis	imfis	NOUN
ejif-12489	307	20	in	in	ADP
ejif-12489	307	21	indonesia	indonesia	PROPN
ejif-12489	307	22	.	.	PUNCT
ejif-12489	308	1	developing	develop	VERB
ejif-12489	308	2	a	a	DET
ejif-12489	308	3	multi	multi	ADJ
ejif-12489	308	4	-	-	ADJ
ejif-12489	308	5	case	case	ADJ
ejif-12489	308	6	study	study	NOUN
ejif-12489	308	7	using	use	VERB
ejif-12489	308	8	an	an	DET
ejif-12489	308	9	inductive	inductive	ADJ
ejif-12489	308	10	approach	approach	NOUN
ejif-12489	308	11	,	,	PUNCT
ejif-12489	308	12	for	for	ADP
ejif-12489	308	13	example	example	NOUN
ejif-12489	308	14	,	,	PUNCT
ejif-12489	308	15	is	be	AUX
ejif-12489	308	16	expected	expect	VERB
ejif-12489	308	17	to	to	PART
ejif-12489	308	18	complement	complement	VERB
ejif-12489	308	19	the	the	DET
ejif-12489	308	20	findings	finding	NOUN
ejif-12489	308	21	,	,	PUNCT
ejif-12489	308	22	including	include	VERB
ejif-12489	308	23	a	a	DET
ejif-12489	308	24	comparison	comparison	NOUN
ejif-12489	308	25	of	of	ADP
ejif-12489	308	26	the	the	DET
ejif-12489	308	27	risk	risk	NOUN
ejif-12489	308	28	management	management	NOUN
ejif-12489	308	29	practices	practice	NOUN
ejif-12489	308	30	of	of	ADP
ejif-12489	308	31	imfis	imfis	NOUN
ejif-12489	308	32	with	with	ADP
ejif-12489	308	33	those	those	PRON
ejif-12489	308	34	of	of	ADP
ejif-12489	308	35	their	their	PRON
ejif-12489	308	36	conventional	conventional	ADJ
ejif-12489	308	37	microfinance	microfinance	NOUN
ejif-12489	308	38	institution	institution	NOUN
ejif-12489	308	39	counterparts	counterpart	NOUN
ejif-12489	308	40	.	.	PUNCT
ejif-12489	309	1	references	reference	NOUN
ejif-12489	309	2	abdul	abdul	PROPN
ejif-12489	309	3	rahman	rahman	PROPN
ejif-12489	309	4	,	,	PUNCT
ejif-12489	309	5	r.	r.	PROPN
ejif-12489	309	6	,	,	PUNCT
ejif-12489	309	7	&	&	CCONJ
ejif-12489	309	8	dean	dean	PROPN
ejif-12489	309	9	,	,	PUNCT
ejif-12489	309	10	f.	f.	PROPN
ejif-12489	309	11	(	(	PUNCT
ejif-12489	309	12	2013	2013	NUM
ejif-12489	309	13	)	)	PUNCT
ejif-12489	309	14	.	.	PUNCT
ejif-12489	310	1	challenges	challenge	NOUN
ejif-12489	310	2	and	and	CCONJ
ejif-12489	310	3	solutions	solution	NOUN
ejif-12489	310	4	in	in	ADP
ejif-12489	310	5	islamic	islamic	ADJ
ejif-12489	310	6	microfinance	microfinance	NOUN
ejif-12489	310	7	.	.	PUNCT
ejif-12489	311	1	humanomics	humanomic	NOUN
ejif-12489	311	2	,	,	PUNCT
ejif-12489	311	3	29(4	29(4	NOUN
ejif-12489	311	4	)	)	PUNCT
ejif-12489	311	5	,	,	PUNCT
ejif-12489	311	6	293–306	293–306	NUM
ejif-12489	311	7	.	.	PUNCT
ejif-12489	312	1	https://doi.org/10.1108/h-06-2012-0013	https://doi.org/10.1108/h-06-2012-0013	PROPN
ejif-12489	312	2	adnan	adnan	PROPN
ejif-12489	312	3	,	,	PUNCT
ejif-12489	312	4	m.	m.	NOUN
ejif-12489	312	5	a.	a.	PROPN
ejif-12489	312	6	,	,	PUNCT
ejif-12489	312	7	&	&	CCONJ
ejif-12489	312	8	ajija	ajija	NOUN
ejif-12489	312	9	,	,	PUNCT
ejif-12489	312	10	s.	s.	PROPN
ejif-12489	312	11	r.	r.	PROPN
ejif-12489	312	12	(	(	PUNCT
ejif-12489	312	13	2015	2015	NUM
ejif-12489	312	14	)	)	PUNCT
ejif-12489	312	15	.	.	PUNCT
ejif-12489	313	1	the	the	DET
ejif-12489	313	2	effectiveness	effectiveness	NOUN
ejif-12489	313	3	of	of	ADP
ejif-12489	313	4	baitul	baitul	NOUN
ejif-12489	313	5	maal	maal	NOUN
ejif-12489	313	6	wat	wat	AUX
ejif-12489	313	7	tamwil	tamwil	VERB
ejif-12489	313	8	in	in	ADP
ejif-12489	313	9	reducing	reduce	VERB
ejif-12489	313	10	poverty	poverty	NOUN
ejif-12489	313	11	:	:	PUNCT
ejif-12489	313	12	the	the	DET
ejif-12489	313	13	case	case	NOUN
ejif-12489	313	14	of	of	ADP
ejif-12489	313	15	indonesian	indonesian	ADJ
ejif-12489	313	16	islamic	islamic	ADJ
ejif-12489	313	17	microfinance	microfinance	NOUN
ejif-12489	313	18	institution	institution	NOUN
ejif-12489	313	19	.	.	PUNCT
ejif-12489	314	1	humanomics	humanomic	NOUN
ejif-12489	314	2	,	,	PUNCT
ejif-12489	314	3	31(2	31(2	NUM
ejif-12489	314	4	)	)	PUNCT
ejif-12489	314	5	,	,	PUNCT
ejif-12489	314	6	160–182	160–182	NUM
ejif-12489	314	7	.	.	PUNCT
ejif-12489	315	1	https://doi.org/10.1108/h-03-2012-0003	https://doi.org/10.1108/h-03-2012-0003	PROPN
ejif-12489	315	2	akram	akram	PROPN
ejif-12489	315	3	,	,	PUNCT
ejif-12489	315	4	h.	h.	PROPN
ejif-12489	315	5	,	,	PUNCT
ejif-12489	315	6	&	&	CCONJ
ejif-12489	315	7	rahman	rahman	PROPN
ejif-12489	315	8	,	,	PUNCT
ejif-12489	315	9	k.	k.	PROPN
ejif-12489	316	1	ur	ur	INTJ
ejif-12489	316	2	.	.	PUNCT
ejif-12489	317	1	(	(	PUNCT
ejif-12489	317	2	2018	2018	NUM
ejif-12489	317	3	)	)	PUNCT
ejif-12489	317	4	.	.	PUNCT
ejif-12489	318	1	credit	credit	NOUN
ejif-12489	318	2	risk	risk	NOUN
ejif-12489	318	3	management	management	NOUN
ejif-12489	318	4	:	:	PUNCT
ejif-12489	318	5	a	a	DET
ejif-12489	318	6	comparative	comparative	ADJ
ejif-12489	318	7	study	study	NOUN
ejif-12489	318	8	of	of	ADP
ejif-12489	318	9	islamic	islamic	ADJ
ejif-12489	318	10	banks	bank	NOUN
ejif-12489	318	11	and	and	CCONJ
ejif-12489	318	12	conventional	conventional	ADJ
ejif-12489	318	13	banks	bank	NOUN
ejif-12489	318	14	in	in	ADP
ejif-12489	318	15	pakistan	pakistan	PROPN
ejif-12489	318	16	.	.	PUNCT
ejif-12489	319	1	isra	isra	PROPN
ejif-12489	319	2	international	international	PROPN
ejif-12489	319	3	journal	journal	PROPN
ejif-12489	319	4	of	of	ADP
ejif-12489	319	5	islamic	islamic	PROPN
ejif-12489	319	6	finance	finance	NOUN
ejif-12489	319	7	,	,	PUNCT
ejif-12489	319	8	10(2	10(2	NUM
ejif-12489	319	9	)	)	PUNCT
ejif-12489	319	10	,	,	PUNCT
ejif-12489	319	11	185–205	185–205	NUM
ejif-12489	319	12	.	.	PUNCT
ejif-12489	320	1	https://doi.org/10.1108/ijif-09-20170030	https://doi.org/10.1108/ijif-09-20170030	PROPN
ejif-12489	320	2	al	al	PROPN
ejif-12489	320	3	mustofa	mustofa	PROPN
ejif-12489	320	4	,	,	PUNCT
ejif-12489	320	5	m.	m.	NOUN
ejif-12489	320	6	u.	u.	PROPN
ejif-12489	320	7	,	,	PUNCT
ejif-12489	320	8	shophia	shophia	NOUN
ejif-12489	320	9	,	,	PUNCT
ejif-12489	320	10	s.	s.	PROPN
ejif-12489	320	11	p.	p.	PROPN
ejif-12489	320	12	,	,	PUNCT
ejif-12489	320	13	muhibbin	muhibbin	PROPN
ejif-12489	320	14	,	,	PUNCT
ejif-12489	320	15	z.	z.	PROPN
ejif-12489	320	16	,	,	PUNCT
ejif-12489	320	17	ardiantono	ardiantono	PROPN
ejif-12489	320	18	,	,	PUNCT
ejif-12489	320	19	d.	d.	PROPN
ejif-12489	320	20	s.	s.	PROPN
ejif-12489	320	21	,	,	PUNCT
ejif-12489	320	22	mawardi	mawardi	PROPN
ejif-12489	320	23	,	,	PUNCT
ejif-12489	320	24	i.	i.	NOUN
ejif-12489	320	25	,	,	PUNCT
ejif-12489	320	26	widiastuti	widiastuti	PROPN
ejif-12489	320	27	,	,	PUNCT
ejif-12489	320	28	t.	t.	PROPN
ejif-12489	320	29	,	,	PUNCT
ejif-12489	320	30	fahmi	fahmi	PROPN
ejif-12489	320	31	,	,	PUNCT
ejif-12489	320	32	a.	a.	PROPN
ejif-12489	320	33	,	,	PUNCT
ejif-12489	320	34	&	&	CCONJ
ejif-12489	320	35	windiani	windiani	PROPN
ejif-12489	320	36	,	,	PUNCT
ejif-12489	320	37	w.	w.	NOUN
ejif-12489	320	38	(	(	PUNCT
ejif-12489	320	39	2025	2025	NUM
ejif-12489	320	40	)	)	PUNCT
ejif-12489	320	41	.	.	PUNCT
ejif-12489	321	1	risk	risk	NOUN
ejif-12489	321	2	perception	perception	NOUN
ejif-12489	321	3	on	on	ADP
ejif-12489	321	4	intention	intention	NOUN
ejif-12489	321	5	to	to	PART
ejif-12489	321	6	pay	pay	VERB
ejif-12489	321	7	zakat	zakat	NOUN
ejif-12489	321	8	via	via	ADP
ejif-12489	321	9	financial	financial	ADJ
ejif-12489	321	10	technology	technology	NOUN
ejif-12489	321	11	(	(	PUNCT
ejif-12489	321	12	fintech	fintech	NOUN
ejif-12489	321	13	)	)	PUNCT
ejif-12489	321	14	.	.	PUNCT
ejif-12489	322	1	journal	journal	PROPN
ejif-12489	322	2	of	of	ADP
ejif-12489	322	3	islamic	islamic	PROPN
ejif-12489	322	4	marketing	marketing	NOUN
ejif-12489	322	5	.	.	PUNCT
ejif-12489	323	1	https://doi.org/10.1108/jima-03-2024-0110	https://doi.org/10.1108/jima-03-2024-0110	PROPN
ejif-12489	323	2	al	al	PROPN
ejif-12489	323	3	rahahleh	rahahleh	PROPN
ejif-12489	323	4	,	,	PUNCT
ejif-12489	323	5	n.	n.	PROPN
ejif-12489	323	6	,	,	PUNCT
ejif-12489	323	7	ishaq	ishaq	PROPN
ejif-12489	323	8	bhatti	bhatti	PROPN
ejif-12489	323	9	,	,	PUNCT
ejif-12489	323	10	m.	m.	NOUN
ejif-12489	323	11	,	,	PUNCT
ejif-12489	323	12	&	&	CCONJ
ejif-12489	323	13	najuna	najuna	PROPN
ejif-12489	323	14	misman	misman	PROPN
ejif-12489	323	15	,	,	PUNCT
ejif-12489	323	16	f.	f.	PROPN
ejif-12489	323	17	(	(	PUNCT
ejif-12489	323	18	2019	2019	NUM
ejif-12489	323	19	)	)	PUNCT
ejif-12489	323	20	.	.	PUNCT
ejif-12489	324	1	developments	development	NOUN
ejif-12489	324	2	in	in	ADP
ejif-12489	324	3	risk	risk	NOUN
ejif-12489	324	4	management	management	NOUN
ejif-12489	324	5	in	in	ADP
ejif-12489	324	6	islamic	islamic	ADJ
ejif-12489	324	7	finance	finance	PROPN
ejif-12489	324	8	:	:	PUNCT
ejif-12489	324	9	a	a	DET
ejif-12489	324	10	review	review	NOUN
ejif-12489	324	11	.	.	PUNCT
ejif-12489	325	1	journal	journal	NOUN
ejif-12489	325	2	of	of	ADP
ejif-12489	325	3	risk	risk	NOUN
ejif-12489	325	4	and	and	CCONJ
ejif-12489	325	5	financial	financial	ADJ
ejif-12489	325	6	management	management	NOUN
ejif-12489	325	7	,	,	PUNCT
ejif-12489	325	8	12(1	12(1	NUM
ejif-12489	325	9	)	)	PUNCT
ejif-12489	325	10	,	,	PUNCT
ejif-12489	325	11	37	37	NUM
ejif-12489	325	12	.	.	PUNCT
ejif-12489	326	1	https://doi.org/10.3390/jrfm12010037	https://doi.org/10.3390/jrfm12010037	PROPN
ejif-12489	326	2	al	al	PROPN
ejif-12489	326	3	-	-	PUNCT
ejif-12489	326	4	krenawi	krenawi	PROPN
ejif-12489	326	5	,	,	PUNCT
ejif-12489	326	6	a.	a.	PROPN
ejif-12489	326	7	,	,	PUNCT
ejif-12489	326	8	&	&	CCONJ
ejif-12489	326	9	graham	graham	PROPN
ejif-12489	326	10	,	,	PUNCT
ejif-12489	326	11	j.	j.	PROPN
ejif-12489	326	12	r.	r.	PROPN
ejif-12489	326	13	(	(	PUNCT
ejif-12489	326	14	2000	2000	NUM
ejif-12489	326	15	)	)	PUNCT
ejif-12489	326	16	.	.	PUNCT
ejif-12489	327	1	islamic	islamic	ADJ
ejif-12489	327	2	theology	theology	NOUN
ejif-12489	327	3	and	and	CCONJ
ejif-12489	327	4	prayer	prayer	NOUN
ejif-12489	327	5	:	:	PUNCT
ejif-12489	327	6	relevance	relevance	NOUN
ejif-12489	327	7	for	for	ADP
ejif-12489	327	8	social	social	ADJ
ejif-12489	327	9	work	work	NOUN
ejif-12489	327	10	practice	practice	NOUN
ejif-12489	327	11	.	.	PUNCT
ejif-12489	328	1	international	international	ADJ
ejif-12489	328	2	social	social	ADJ
ejif-12489	328	3	work	work	NOUN
ejif-12489	328	4	,	,	PUNCT
ejif-12489	328	5	43(3	43(3	NUM
ejif-12489	328	6	)	)	PUNCT
ejif-12489	328	7	,	,	PUNCT
ejif-12489	328	8	289–304	289–304	NUM
ejif-12489	328	9	.	.	PUNCT
ejif-12489	329	1	https://doi.org/10.1177/002087280004300303	https://doi.org/10.1177/002087280004300303	X
ejif-12489	330	1	al	al	PROPN
ejif-12489	330	2	-	-	PUNCT
ejif-12489	330	3	suwailem	suwailem	NOUN
ejif-12489	330	4	,	,	PUNCT
ejif-12489	330	5	s.	s.	PROPN
ejif-12489	330	6	(	(	PUNCT
ejif-12489	330	7	2012	2012	NUM
ejif-12489	330	8	)	)	PUNCT
ejif-12489	330	9	.	.	PUNCT
ejif-12489	331	1	towards	towards	ADP
ejif-12489	331	2	an	an	DET
ejif-12489	331	3	objective	objective	ADJ
ejif-12489	331	4	measure	measure	NOUN
ejif-12489	331	5	of	of	ADP
ejif-12489	331	6	gharar	gharar	NOUN
ejif-12489	331	7	in	in	ADP
ejif-12489	331	8	exchange	exchange	NOUN
ejif-12489	331	9	.	.	PUNCT
ejif-12489	332	1	journal	journal	PROPN
ejif-12489	332	2	of	of	ADP
ejif-12489	332	3	islamic	islamic	ADJ
ejif-12489	332	4	business	business	NOUN
ejif-12489	332	5	and	and	CCONJ
ejif-12489	332	6	management	management	NOUN
ejif-12489	332	7	,	,	PUNCT
ejif-12489	332	8	2(1	2(1	NUM
ejif-12489	332	9	)	)	PUNCT
ejif-12489	332	10	.	.	PUNCT
ejif-12489	333	1	https://papers.ssrn.com/abstract=3164801	https://papers.ssrn.com/abstract=3164801	ADJ
ejif-12489	333	2	audretsch	audretsch	NOUN
ejif-12489	333	3	,	,	PUNCT
ejif-12489	333	4	d.	d.	PROPN
ejif-12489	333	5	b.	b.	PROPN
ejif-12489	333	6	,	,	PUNCT
ejif-12489	333	7	bönte	bönte	PROPN
ejif-12489	333	8	,	,	PUNCT
ejif-12489	333	9	w.	w.	PROPN
ejif-12489	333	10	,	,	PUNCT
ejif-12489	333	11	&	&	CCONJ
ejif-12489	333	12	tamvada	tamvada	PROPN
ejif-12489	333	13	,	,	PUNCT
ejif-12489	333	14	j.	j.	PROPN
ejif-12489	333	15	p.	p.	PROPN
ejif-12489	333	16	(	(	PUNCT
ejif-12489	333	17	2007	2007	NUM
ejif-12489	333	18	)	)	PUNCT
ejif-12489	333	19	.	.	PUNCT
ejif-12489	334	1	religion	religion	NOUN
ejif-12489	334	2	and	and	CCONJ
ejif-12489	334	3	entrepreneurship	entrepreneurship	NOUN
ejif-12489	334	4	.	.	PUNCT
ejif-12489	335	1	ssrn	ssrn	PROPN
ejif-12489	335	2	electronic	electronic	ADJ
ejif-12489	335	3	journal	journal	PROPN
ejif-12489	335	4	.	.	PUNCT
ejif-12489	336	1	https://doi.org/10.2139/ssrn.1025968	https://doi.org/10.2139/ssrn.1025968	PROPN
ejif-12489	336	2	ayedh	ayedh	NOUN
ejif-12489	336	3	,	,	PUNCT
ejif-12489	336	4	a.	a.	NOUN
ejif-12489	336	5	m.	m.	NOUN
ejif-12489	336	6	,	,	PUNCT
ejif-12489	336	7	mahyudin	mahyudin	PROPN
ejif-12489	336	8	,	,	PUNCT
ejif-12489	336	9	w.	w.	PROPN
ejif-12489	336	10	a.	a.	PROPN
ejif-12489	336	11	,	,	PUNCT
ejif-12489	336	12	abdul	abdul	PROPN
ejif-12489	336	13	samat	samat	PROPN
ejif-12489	336	14	,	,	PUNCT
ejif-12489	336	15	m.	m.	NOUN
ejif-12489	336	16	s.	s.	PROPN
ejif-12489	336	17	,	,	PUNCT
ejif-12489	336	18	&	&	CCONJ
ejif-12489	336	19	muhamad	muhamad	PROPN
ejif-12489	336	20	isa	isa	PROPN
ejif-12489	336	21	,	,	PUNCT
ejif-12489	336	22	h.	h.	PROPN
ejif-12489	336	23	h.	h.	PROPN
ejif-12489	336	24	(	(	PUNCT
ejif-12489	336	25	2021	2021	NUM
ejif-12489	336	26	)	)	PUNCT
ejif-12489	336	27	.	.	PUNCT
ejif-12489	337	1	the	the	DET
ejif-12489	337	2	integration	integration	NOUN
ejif-12489	337	3	of	of	ADP
ejif-12489	337	4	shariah	shariah	PROPN
ejif-12489	337	5	compliance	compliance	NOUN
ejif-12489	337	6	in	in	ADP
ejif-12489	337	7	information	information	NOUN
ejif-12489	337	8	system	system	NOUN
ejif-12489	337	9	of	of	ADP
ejif-12489	337	10	islamic	islamic	ADJ
ejif-12489	337	11	financial	financial	ADJ
ejif-12489	337	12	institutions	institution	NOUN
ejif-12489	337	13	:	:	PUNCT
ejif-12489	337	14	qualitative	qualitative	ADJ
ejif-12489	337	15	evidence	evidence	NOUN
ejif-12489	337	16	of	of	ADP
ejif-12489	337	17	malaysia	malaysia	PROPN
ejif-12489	337	18	.	.	PUNCT
ejif-12489	338	1	qualitative	qualitative	ADJ
ejif-12489	338	2	research	research	NOUN
ejif-12489	338	3	in	in	ADP
ejif-12489	338	4	financial	financial	ADJ
ejif-12489	338	5	markets	market	NOUN
ejif-12489	338	6	,	,	PUNCT
ejif-12489	338	7	13(1	13(1	NUM
ejif-12489	338	8	)	)	PUNCT
ejif-12489	338	9	,	,	PUNCT
ejif-12489	338	10	37–49	37–49	NUM
ejif-12489	338	11	.	.	PUNCT
ejif-12489	339	1	https://doi.org/10.1108/qrfm-05-2017-0042	https://doi.org/10.1108/qrfm-05-2017-0042	PROPN
ejif-12489	339	2	bhatti	bhatti	PROPN
ejif-12489	339	3	,	,	PUNCT
ejif-12489	339	4	i.	i.	PROPN
ejif-12489	339	5	,	,	PUNCT
ejif-12489	339	6	&	&	CCONJ
ejif-12489	339	7	misman	misman	PROPN
ejif-12489	339	8	,	,	PUNCT
ejif-12489	339	9	f.	f.	PROPN
ejif-12489	339	10	n.	n.	PROPN
ejif-12489	339	11	(	(	PUNCT
ejif-12489	339	12	2010	2010	NUM
ejif-12489	339	13	)	)	PUNCT
ejif-12489	339	14	.	.	PUNCT
ejif-12489	340	1	risks	risk	NOUN
ejif-12489	340	2	exposure	exposure	NOUN
ejif-12489	340	3	in	in	ADP
ejif-12489	340	4	islamic	islamic	ADJ
ejif-12489	340	5	banks	bank	NOUN
ejif-12489	340	6	:	:	PUNCT
ejif-12489	340	7	a	a	DET
ejif-12489	340	8	case	case	NOUN
ejif-12489	340	9	study	study	NOUN
ejif-12489	340	10	of	of	ADP
ejif-12489	340	11	bank	bank	PROPN
ejif-12489	340	12	islam	islam	PROPN
ejif-12489	340	13	malaysia	malaysia	PROPN
ejif-12489	340	14	berhad	berhad	PROPN
ejif-12489	340	15	(	(	PUNCT
ejif-12489	340	16	bimb	bimb	PROPN
ejif-12489	340	17	)	)	PUNCT
ejif-12489	340	18	.	.	PUNCT
ejif-12489	341	1	ssrn	ssrn	PROPN
ejif-12489	341	2	electronic	electronic	ADJ
ejif-12489	341	3	journal	journal	PROPN
ejif-12489	341	4	.	.	PUNCT
ejif-12489	342	1	https://doi.org/10.2139/ssrn.1632849	https://doi.org/10.2139/ssrn.1632849	NOUN
ejif-12489	342	2	bin	bin	PROPN
ejif-12489	342	3	mislan	mislan	NOUN
ejif-12489	342	4	cokro	cokro	PROPN
ejif-12489	342	5	hadisumarto	hadisumarto	PROPN
ejif-12489	342	6	,	,	PUNCT
ejif-12489	342	7	w.	w.	PROPN
ejif-12489	342	8	,	,	PUNCT
ejif-12489	342	9	&	&	CCONJ
ejif-12489	342	10	ghafar	ghafar	PROPN
ejif-12489	342	11	b.	b.	PROPN
ejif-12489	342	12	ismail	ismail	PROPN
ejif-12489	342	13	,	,	PUNCT
ejif-12489	342	14	a.	a.	NOUN
ejif-12489	342	15	(	(	PUNCT
ejif-12489	342	16	2010	2010	NUM
ejif-12489	342	17	)	)	PUNCT
ejif-12489	342	18	.	.	PUNCT
ejif-12489	343	1	improving	improve	VERB
ejif-12489	343	2	the	the	DET
ejif-12489	343	3	effectiveness	effectiveness	NOUN
ejif-12489	343	4	of	of	ADP
ejif-12489	343	5	islamic	islamic	ADJ
ejif-12489	343	6	micro‐financing	micro‐financing	NOUN
ejif-12489	343	7	:	:	PUNCT
ejif-12489	343	8	learning	learn	VERB
ejif-12489	343	9	from	from	ADP
ejif-12489	343	10	bmt	bmt	PROPN
ejif-12489	343	11	experience	experience	NOUN
ejif-12489	343	12	.	.	PUNCT
ejif-12489	344	1	humanomics	humanomic	NOUN
ejif-12489	344	2	,	,	PUNCT
ejif-12489	344	3	26(1	26(1	NUM
ejif-12489	344	4	)	)	PUNCT
ejif-12489	344	5	,	,	PUNCT
ejif-12489	344	6	65–75	65–75	NUM
ejif-12489	344	7	.	.	PUNCT
ejif-12489	345	1	https://doi.org/10.1108/08288661011025002	https://doi.org/10.1108/08288661011025002	PROPN
ejif-12489	345	2	bouslama	bouslama	NOUN
ejif-12489	345	3	,	,	PUNCT
ejif-12489	345	4	g.	g.	PROPN
ejif-12489	345	5	,	,	PUNCT
ejif-12489	345	6	&	&	CCONJ
ejif-12489	345	7	lahrichi	lahrichi	PROPN
ejif-12489	345	8	,	,	PUNCT
ejif-12489	345	9	y.	y.	PROPN
ejif-12489	345	10	(	(	PUNCT
ejif-12489	345	11	2017	2017	NUM
ejif-12489	345	12	)	)	PUNCT
ejif-12489	345	13	.	.	PUNCT
ejif-12489	346	1	uncertainty	uncertainty	NOUN
ejif-12489	346	2	and	and	CCONJ
ejif-12489	346	3	risk	risk	NOUN
ejif-12489	346	4	management	management	NOUN
ejif-12489	346	5	from	from	ADP
ejif-12489	346	6	islamic	islamic	PROPN
ejif-12489	346	7	perspective	perspective	PROPN
ejif-12489	346	8	.	.	PUNCT
ejif-12489	347	1	research	research	NOUN
ejif-12489	347	2	in	in	ADP
ejif-12489	347	3	international	international	ADJ
ejif-12489	347	4	business	business	NOUN
ejif-12489	347	5	and	and	CCONJ
ejif-12489	347	6	finance	finance	NOUN
ejif-12489	347	7	,	,	PUNCT
ejif-12489	347	8	39	39	NUM
ejif-12489	347	9	,	,	PUNCT
ejif-12489	347	10	718–726	718–726	NUM
ejif-12489	347	11	.	.	PUNCT
ejif-12489	348	1	https://doi.org/10.1016/j.ribaf.2015.11.018	https://doi.org/10.1016/j.ribaf.2015.11.018	PROPN
ejif-12489	348	2	brink	brink	NOUN
ejif-12489	348	3	,	,	PUNCT
ejif-12489	348	4	p.	p.	PROPN
ejif-12489	348	5	j.	j.	PROPN
ejif-12489	348	6	,	,	PUNCT
ejif-12489	348	7	&	&	CCONJ
ejif-12489	348	8	wood	wood	PROPN
ejif-12489	348	9	,	,	PUNCT
ejif-12489	348	10	m.	m.	NOUN
ejif-12489	348	11	j.	j.	PROPN
ejif-12489	348	12	(	(	PUNCT
ejif-12489	348	13	eds	eds	PROPN
ejif-12489	348	14	.	.	PUNCT
ejif-12489	348	15	)	)	PUNCT
ejif-12489	348	16	.	.	PUNCT
ejif-12489	349	1	(	(	PUNCT
ejif-12489	349	2	1998	1998	NUM
ejif-12489	349	3	)	)	PUNCT
ejif-12489	349	4	.	.	PUNCT
ejif-12489	350	1	advanced	advanced	ADJ
ejif-12489	350	2	design	design	NOUN
ejif-12489	350	3	in	in	ADP
ejif-12489	350	4	nursing	nursing	NOUN
ejif-12489	350	5	research	research	NOUN
ejif-12489	350	6	(	(	PUNCT
ejif-12489	350	7	2nd	2nd	ADJ
ejif-12489	350	8	ed	ed	NOUN
ejif-12489	350	9	)	)	PUNCT
ejif-12489	350	10	.	.	PUNCT
ejif-12489	351	1	sage	sage	NOUN
ejif-12489	351	2	publications	publication	NOUN
ejif-12489	351	3	.	.	PUNCT
ejif-12489	352	1	calder	calder	PROPN
ejif-12489	352	2	,	,	PUNCT
ejif-12489	352	3	r.	r.	PROPN
ejif-12489	352	4	(	(	PUNCT
ejif-12489	352	5	2020	2020	NUM
ejif-12489	352	6	)	)	PUNCT
ejif-12489	352	7	.	.	PUNCT
ejif-12489	353	1	sharīʿah	sharīʿah	NOUN
ejif-12489	353	2	-	-	PUNCT
ejif-12489	353	3	compliant	compliant	ADJ
ejif-12489	353	4	or	or	CCONJ
ejif-12489	353	5	sharīʿah	sharīʿah	NOUN
ejif-12489	353	6	-	-	PUNCT
ejif-12489	353	7	based	base	VERB
ejif-12489	353	8	?	?	PUNCT
ejif-12489	354	1	the	the	DET
ejif-12489	354	2	changing	change	VERB
ejif-12489	354	3	ethical	ethical	ADJ
ejif-12489	354	4	discourse	discourse	NOUN
ejif-12489	354	5	of	of	ADP
ejif-12489	354	6	islamic	islamic	PROPN
ejif-12489	354	7	finance	finance	PROPN
ejif-12489	354	8	.	.	PUNCT
ejif-12489	355	1	arab	arab	PROPN
ejif-12489	355	2	law	law	PROPN
ejif-12489	355	3	quarterly	quarterly	PROPN
ejif-12489	355	4	,	,	PUNCT
ejif-12489	355	5	35(1–2	35(1–2	PROPN
ejif-12489	355	6	)	)	PUNCT
ejif-12489	355	7	,	,	PUNCT
ejif-12489	355	8	50–73	50–73	NUM
ejif-12489	355	9	.	.	PUNCT
ejif-12489	356	1	https://doi.org/10.1163/15730255-bja10008	https://doi.org/10.1163/15730255-bja10008	PROPN
ejif-12489	356	2	european	european	PROPN
ejif-12489	356	3	journal	journal	PROPN
ejif-12489	356	4	of	of	ADP
ejif-12489	356	5	islamic	islamic	PROPN
ejif-12489	356	6	finance	finance	PROPN
ejif-12489	356	7	issn	issn	PROPN
ejif-12489	356	8	:	:	PUNCT
ejif-12489	356	9	2421	2421	NUM
ejif-12489	356	10	-	-	SYM
ejif-12489	356	11	2172	2172	NUM
ejif-12489	356	12	doi	doi	NOUN
ejif-12489	356	13	:	:	PUNCT
ejif-12489	356	14	10.13135/2421	10.13135/2421	NUM
ejif-12489	356	15	-	-	SYM
ejif-12489	356	16	2172/12489	2172/12489	NUM
ejif-12489	356	17	published	publish	VERB
ejif-12489	356	18	by	by	ADP
ejif-12489	356	19	university	university	PROPN
ejif-12489	356	20	of	of	ADP
ejif-12489	356	21	turin	turin	PROPN
ejif-12489	357	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	357	2	ejif	ejif	PROPN
ejif-12489	357	3	content	content	NOUN
ejif-12489	357	4	is	be	AUX
ejif-12489	357	5	licensed	license	VERB
ejif-12489	357	6	under	under	ADP
ejif-12489	357	7	a	a	DET
ejif-12489	357	8	creative	creative	ADJ
ejif-12489	357	9	commons	common	NOUN
ejif-12489	357	10	attribution	attribution	NOUN
ejif-12489	357	11	4.0	4.0	NUM
ejif-12489	357	12	international	international	ADJ
ejif-12489	357	13	license	license	NOUN
ejif-12489	357	14	28	28	NUM
ejif-12489	357	15	chairani	chairani	NOUN
ejif-12489	357	16	,	,	PUNCT
ejif-12489	357	17	c.	c.	PROPN
ejif-12489	357	18	,	,	PUNCT
ejif-12489	357	19	&	&	CCONJ
ejif-12489	357	20	siregar	siregar	NOUN
ejif-12489	357	21	,	,	PUNCT
ejif-12489	357	22	s.	s.	PROPN
ejif-12489	357	23	v.	v.	PROPN
ejif-12489	357	24	(	(	PUNCT
ejif-12489	357	25	2021	2021	NUM
ejif-12489	357	26	)	)	PUNCT
ejif-12489	357	27	.	.	PUNCT
ejif-12489	358	1	the	the	DET
ejif-12489	358	2	effect	effect	NOUN
ejif-12489	358	3	of	of	ADP
ejif-12489	358	4	enterprise	enterprise	NOUN
ejif-12489	358	5	risk	risk	NOUN
ejif-12489	358	6	management	management	NOUN
ejif-12489	358	7	on	on	ADP
ejif-12489	358	8	financial	financial	ADJ
ejif-12489	358	9	performance	performance	NOUN
ejif-12489	358	10	and	and	CCONJ
ejif-12489	358	11	firm	firm	ADJ
ejif-12489	358	12	value	value	NOUN
ejif-12489	358	13	:	:	PUNCT
ejif-12489	358	14	the	the	DET
ejif-12489	358	15	role	role	NOUN
ejif-12489	358	16	of	of	ADP
ejif-12489	358	17	environmental	environmental	ADJ
ejif-12489	358	18	,	,	PUNCT
ejif-12489	358	19	social	social	ADJ
ejif-12489	358	20	and	and	CCONJ
ejif-12489	358	21	governance	governance	NOUN
ejif-12489	358	22	performance	performance	NOUN
ejif-12489	358	23	.	.	PUNCT
ejif-12489	359	1	meditari	meditari	ADJ
ejif-12489	359	2	accountancy	accountancy	NOUN
ejif-12489	359	3	research	research	NOUN
ejif-12489	359	4	,	,	PUNCT
ejif-12489	359	5	29(3	29(3	NUM
ejif-12489	359	6	)	)	PUNCT
ejif-12489	359	7	,	,	PUNCT
ejif-12489	359	8	647–670	647–670	NUM
ejif-12489	359	9	.	.	PUNCT
ejif-12489	360	1	https://doi.org/10.1108/medar-09-2019-0549	https://doi.org/10.1108/medar-09-2019-0549	PROPN
ejif-12489	360	2	chapra	chapra	PROPN
ejif-12489	360	3	,	,	PUNCT
ejif-12489	360	4	m.	m.	NOUN
ejif-12489	360	5	u.	u.	PROPN
ejif-12489	360	6	(	(	PUNCT
ejif-12489	360	7	2008	2008	NUM
ejif-12489	360	8	)	)	PUNCT
ejif-12489	360	9	.	.	PUNCT
ejif-12489	361	1	the	the	DET
ejif-12489	361	2	islamic	islamic	ADJ
ejif-12489	361	3	vision	vision	NOUN
ejif-12489	361	4	of	of	ADP
ejif-12489	361	5	development	development	NOUN
ejif-12489	361	6	in	in	ADP
ejif-12489	361	7	the	the	DET
ejif-12489	361	8	light	light	NOUN
ejif-12489	361	9	of	of	ADP
ejif-12489	361	10	maqāsid	maqāsid	ADJ
ejif-12489	361	11	al	al	PROPN
ejif-12489	361	12	-	-	PUNCT
ejif-12489	361	13	sharī‘ah	sharī‘ah	NOUN
ejif-12489	361	14	.	.	PUNCT
ejif-12489	361	15	unpublished	unpublished	ADJ
ejif-12489	361	16	.	.	PUNCT
ejif-12489	362	1	https://doi.org/10.13140/rg.2.1.4188.5047	https://doi.org/10.13140/rg.2.1.4188.5047	PROPN
ejif-12489	362	2	dewett	dewett	PROPN
ejif-12489	362	3	,	,	PUNCT
ejif-12489	362	4	t.	t.	PROPN
ejif-12489	362	5	,	,	PUNCT
ejif-12489	362	6	&	&	CCONJ
ejif-12489	362	7	jones	jones	PROPN
ejif-12489	362	8	,	,	PUNCT
ejif-12489	362	9	g.	g.	PROPN
ejif-12489	362	10	r.	r.	PROPN
ejif-12489	362	11	(	(	PUNCT
ejif-12489	362	12	2001	2001	NUM
ejif-12489	362	13	)	)	PUNCT
ejif-12489	362	14	.	.	PUNCT
ejif-12489	363	1	the	the	DET
ejif-12489	363	2	role	role	NOUN
ejif-12489	363	3	of	of	ADP
ejif-12489	363	4	information	information	NOUN
ejif-12489	363	5	technology	technology	NOUN
ejif-12489	363	6	in	in	ADP
ejif-12489	363	7	the	the	DET
ejif-12489	363	8	organization	organization	NOUN
ejif-12489	363	9	:	:	PUNCT
ejif-12489	363	10	a	a	DET
ejif-12489	363	11	review	review	NOUN
ejif-12489	363	12	,	,	PUNCT
ejif-12489	363	13	model	model	NOUN
ejif-12489	363	14	,	,	PUNCT
ejif-12489	363	15	and	and	CCONJ
ejif-12489	363	16	assessment	assessment	NOUN
ejif-12489	363	17	.	.	PUNCT
ejif-12489	364	1	journal	journal	NOUN
ejif-12489	364	2	of	of	ADP
ejif-12489	364	3	management	management	NOUN
ejif-12489	364	4	,	,	PUNCT
ejif-12489	364	5	27(3	27(3	NUM
ejif-12489	364	6	)	)	PUNCT
ejif-12489	364	7	,	,	PUNCT
ejif-12489	364	8	313–346	313–346	NUM
ejif-12489	364	9	.	.	PUNCT
ejif-12489	365	1	https://doi.org/10.1177/014920630102700306	https://doi.org/10.1177/014920630102700306	NOUN
ejif-12489	365	2	dusuki	dusuki	NOUN
ejif-12489	365	3	,	,	PUNCT
ejif-12489	365	4	a.	a.	PROPN
ejif-12489	365	5	w.	w.	PROPN
ejif-12489	365	6	(	(	PUNCT
ejif-12489	365	7	2008	2008	NUM
ejif-12489	365	8	)	)	PUNCT
ejif-12489	365	9	.	.	PUNCT
ejif-12489	366	1	what	what	PRON
ejif-12489	366	2	does	do	AUX
ejif-12489	366	3	islam	islam	PROPN
ejif-12489	366	4	say	say	VERB
ejif-12489	366	5	about	about	ADP
ejif-12489	366	6	corporate	corporate	ADJ
ejif-12489	366	7	social	social	ADJ
ejif-12489	366	8	responsibility	responsibility	NOUN
ejif-12489	366	9	.	.	PUNCT
ejif-12489	367	1	https://www.semanticscholar.org/paper/what-does-islam-say-about-corporate-socialdusuki/8e7691fcbf8501148c391060e2f06023ade09424	https://www.semanticscholar.org/paper/what-does-islam-say-about-corporate-socialdusuki/8e7691fcbf8501148c391060e2f06023ade09424	PROPN
ejif-12489	367	2	el	el	PROPN
ejif-12489	367	3	-	-	PROPN
ejif-12489	367	4	gamal	gamal	PROPN
ejif-12489	367	5	,	,	PUNCT
ejif-12489	367	6	m.	m.	NOUN
ejif-12489	367	7	a.	a.	NOUN
ejif-12489	367	8	(	(	PUNCT
ejif-12489	367	9	2006	2006	NUM
ejif-12489	367	10	)	)	PUNCT
ejif-12489	367	11	.	.	PUNCT
ejif-12489	368	1	islamic	islamic	PROPN
ejif-12489	368	2	finance	finance	PROPN
ejif-12489	368	3	:	:	PUNCT
ejif-12489	368	4	law	law	NOUN
ejif-12489	368	5	,	,	PUNCT
ejif-12489	368	6	economics	economic	NOUN
ejif-12489	368	7	,	,	PUNCT
ejif-12489	368	8	and	and	CCONJ
ejif-12489	368	9	practice	practice	NOUN
ejif-12489	368	10	.	.	PUNCT
ejif-12489	369	1	cambridge	cambridge	PROPN
ejif-12489	369	2	university	university	PROPN
ejif-12489	369	3	press	press	NOUN
ejif-12489	369	4	.	.	PUNCT
ejif-12489	370	1	fianto	fianto	PROPN
ejif-12489	370	2	,	,	PUNCT
ejif-12489	370	3	b.	b.	PROPN
ejif-12489	370	4	a.	a.	PROPN
ejif-12489	370	5	,	,	PUNCT
ejif-12489	370	6	gan	gan	PROPN
ejif-12489	370	7	,	,	PUNCT
ejif-12489	370	8	c.	c.	PROPN
ejif-12489	370	9	,	,	PUNCT
ejif-12489	370	10	&	&	CCONJ
ejif-12489	370	11	hu	hu	PROPN
ejif-12489	370	12	,	,	PUNCT
ejif-12489	370	13	b.	b.	PROPN
ejif-12489	370	14	(	(	PUNCT
ejif-12489	370	15	2019	2019	NUM
ejif-12489	370	16	)	)	PUNCT
ejif-12489	370	17	.	.	PUNCT
ejif-12489	371	1	financing	financing	NOUN
ejif-12489	371	2	from	from	ADP
ejif-12489	371	3	islamic	islamic	ADJ
ejif-12489	371	4	microfinance	microfinance	NOUN
ejif-12489	371	5	institutions	institution	NOUN
ejif-12489	371	6	:	:	PUNCT
ejif-12489	371	7	evidence	evidence	NOUN
ejif-12489	371	8	from	from	ADP
ejif-12489	371	9	indonesia	indonesia	PROPN
ejif-12489	371	10	.	.	PUNCT
ejif-12489	372	1	agricultural	agricultural	ADJ
ejif-12489	372	2	finance	finance	PROPN
ejif-12489	372	3	review	review	NOUN
ejif-12489	372	4	,	,	PUNCT
ejif-12489	372	5	79(5	79(5	NOUN
ejif-12489	372	6	)	)	PUNCT
ejif-12489	372	7	,	,	PUNCT
ejif-12489	372	8	633–645	633–645	NUM
ejif-12489	372	9	.	.	PUNCT
ejif-12489	373	1	https://doi.org/10.1108/afr-10-2018-0091	https://doi.org/10.1108/afr-10-2018-0091	PROPN
ejif-12489	373	2	francis	francis	PROPN
ejif-12489	373	3	,	,	PUNCT
ejif-12489	373	4	r.	r.	PROPN
ejif-12489	373	5	,	,	PUNCT
ejif-12489	373	6	&	&	CCONJ
ejif-12489	373	7	armstrong	armstrong	PROPN
ejif-12489	373	8	,	,	PUNCT
ejif-12489	373	9	a.	a.	PROPN
ejif-12489	373	10	(	(	PUNCT
ejif-12489	373	11	2003	2003	NUM
ejif-12489	373	12	)	)	PUNCT
ejif-12489	373	13	.	.	PUNCT
ejif-12489	374	1	ethics	ethic	NOUN
ejif-12489	374	2	as	as	ADP
ejif-12489	374	3	a	a	DET
ejif-12489	374	4	risk	risk	NOUN
ejif-12489	374	5	management	management	NOUN
ejif-12489	374	6	strategy	strategy	NOUN
ejif-12489	374	7	:	:	PUNCT
ejif-12489	374	8	the	the	DET
ejif-12489	374	9	australian	australian	ADJ
ejif-12489	374	10	experience	experience	NOUN
ejif-12489	374	11	.	.	PUNCT
ejif-12489	375	1	journal	journal	NOUN
ejif-12489	375	2	of	of	ADP
ejif-12489	375	3	business	business	NOUN
ejif-12489	375	4	ethics	ethic	NOUN
ejif-12489	375	5	,	,	PUNCT
ejif-12489	375	6	45(4	45(4	NUM
ejif-12489	375	7	)	)	PUNCT
ejif-12489	375	8	,	,	PUNCT
ejif-12489	375	9	375–385	375–385	NUM
ejif-12489	375	10	.	.	PUNCT
ejif-12489	376	1	https://doi.org/10.1023/a:1024163831371	https://doi.org/10.1023/a:1024163831371	PROPN
ejif-12489	376	2	ghazieh	ghazieh	PROPN
ejif-12489	376	3	,	,	PUNCT
ejif-12489	376	4	l.	l.	PROPN
ejif-12489	376	5	,	,	PUNCT
ejif-12489	376	6	&	&	CCONJ
ejif-12489	376	7	chebana	chebana	PROPN
ejif-12489	376	8	,	,	PUNCT
ejif-12489	376	9	n.	n.	NOUN
ejif-12489	376	10	(	(	PUNCT
ejif-12489	376	11	2021	2021	NUM
ejif-12489	376	12	)	)	PUNCT
ejif-12489	376	13	.	.	PUNCT
ejif-12489	377	1	the	the	DET
ejif-12489	377	2	effectiveness	effectiveness	NOUN
ejif-12489	377	3	of	of	ADP
ejif-12489	377	4	risk	risk	NOUN
ejif-12489	377	5	management	management	NOUN
ejif-12489	377	6	system	system	NOUN
ejif-12489	377	7	and	and	CCONJ
ejif-12489	377	8	firm	firm	ADJ
ejif-12489	377	9	performance	performance	NOUN
ejif-12489	377	10	in	in	ADP
ejif-12489	377	11	the	the	DET
ejif-12489	377	12	european	european	ADJ
ejif-12489	377	13	context	context	NOUN
ejif-12489	377	14	.	.	PUNCT
ejif-12489	378	1	journal	journal	PROPN
ejif-12489	378	2	of	of	ADP
ejif-12489	378	3	economics	economic	NOUN
ejif-12489	378	4	,	,	PUNCT
ejif-12489	378	5	finance	finance	NOUN
ejif-12489	378	6	and	and	CCONJ
ejif-12489	378	7	administrative	administrative	ADJ
ejif-12489	378	8	science	science	NOUN
ejif-12489	378	9	,	,	PUNCT
ejif-12489	378	10	26(52	26(52	NUM
ejif-12489	378	11	)	)	PUNCT
ejif-12489	378	12	,	,	PUNCT
ejif-12489	378	13	182–196	182–196	NUM
ejif-12489	378	14	.	.	PUNCT
ejif-12489	379	1	https://doi.org/10.1108/jefas07-2019-0118	https://doi.org/10.1108/jefas07-2019-0118	PROPN
ejif-12489	379	2	grira	grira	PROPN
ejif-12489	379	3	,	,	PUNCT
ejif-12489	379	4	j.	j.	PROPN
ejif-12489	379	5	,	,	PUNCT
ejif-12489	379	6	&	&	CCONJ
ejif-12489	379	7	labidi	labidi	PROPN
ejif-12489	379	8	,	,	PUNCT
ejif-12489	379	9	c.	c.	NOUN
ejif-12489	379	10	(	(	PUNCT
ejif-12489	379	11	2021	2021	NUM
ejif-12489	379	12	)	)	PUNCT
ejif-12489	379	13	.	.	PUNCT
ejif-12489	380	1	banks	bank	NOUN
ejif-12489	380	2	,	,	PUNCT
ejif-12489	380	3	funds	fund	NOUN
ejif-12489	380	4	,	,	PUNCT
ejif-12489	380	5	and	and	CCONJ
ejif-12489	380	6	risks	risk	NOUN
ejif-12489	380	7	in	in	ADP
ejif-12489	380	8	islamic	islamic	ADJ
ejif-12489	380	9	finance	finance	NOUN
ejif-12489	380	10	:	:	PUNCT
ejif-12489	380	11	literature	literature	PROPN
ejif-12489	380	12	&	&	CCONJ
ejif-12489	380	13	future	future	ADJ
ejif-12489	380	14	research	research	NOUN
ejif-12489	380	15	avenues	avenue	NOUN
ejif-12489	380	16	.	.	PUNCT
ejif-12489	381	1	finance	finance	NOUN
ejif-12489	381	2	research	research	NOUN
ejif-12489	381	3	letters	letter	NOUN
ejif-12489	381	4	,	,	PUNCT
ejif-12489	381	5	41	41	NUM
ejif-12489	381	6	,	,	PUNCT
ejif-12489	381	7	101815	101815	NUM
ejif-12489	381	8	.	.	PUNCT
ejif-12489	382	1	https://doi.org/10.1016/j.frl.2020.101815	https://doi.org/10.1016/j.frl.2020.101815	PROPN
ejif-12489	382	2	gümüsay	gümüsay	PROPN
ejif-12489	382	3	,	,	PUNCT
ejif-12489	382	4	a.	a.	NOUN
ejif-12489	382	5	a.	a.	PROPN
ejif-12489	382	6	(	(	PUNCT
ejif-12489	382	7	2015	2015	NUM
ejif-12489	382	8	)	)	PUNCT
ejif-12489	382	9	.	.	PUNCT
ejif-12489	383	1	entrepreneurship	entrepreneurship	NOUN
ejif-12489	383	2	from	from	ADP
ejif-12489	383	3	an	an	DET
ejif-12489	383	4	islamic	islamic	PROPN
ejif-12489	383	5	perspective	perspective	NOUN
ejif-12489	383	6	.	.	PUNCT
ejif-12489	384	1	journal	journal	PROPN
ejif-12489	384	2	of	of	ADP
ejif-12489	384	3	business	business	NOUN
ejif-12489	384	4	ethics	ethic	NOUN
ejif-12489	384	5	,	,	PUNCT
ejif-12489	384	6	130(1	130(1	NUM
ejif-12489	384	7	)	)	PUNCT
ejif-12489	384	8	,	,	PUNCT
ejif-12489	384	9	199–208	199–208	NUM
ejif-12489	384	10	.	.	PUNCT
ejif-12489	385	1	https://doi.org/10.1007/s10551-014-2223-7	https://doi.org/10.1007/s10551-014-2223-7	PROPN
ejif-12489	385	2	harland	harland	PROPN
ejif-12489	385	3	,	,	PUNCT
ejif-12489	385	4	c.	c.	PROPN
ejif-12489	385	5	,	,	PUNCT
ejif-12489	385	6	brenchley	brenchley	PROPN
ejif-12489	385	7	,	,	PUNCT
ejif-12489	385	8	r.	r.	PROPN
ejif-12489	385	9	,	,	PUNCT
ejif-12489	385	10	&	&	CCONJ
ejif-12489	385	11	walker	walker	PROPN
ejif-12489	385	12	,	,	PUNCT
ejif-12489	385	13	h.	h.	PROPN
ejif-12489	385	14	(	(	PUNCT
ejif-12489	385	15	2003	2003	NUM
ejif-12489	385	16	)	)	PUNCT
ejif-12489	385	17	.	.	PUNCT
ejif-12489	386	1	risk	risk	NOUN
ejif-12489	386	2	in	in	ADP
ejif-12489	386	3	supply	supply	NOUN
ejif-12489	386	4	networks	network	NOUN
ejif-12489	386	5	.	.	PUNCT
ejif-12489	387	1	journal	journal	NOUN
ejif-12489	387	2	of	of	ADP
ejif-12489	387	3	purchasing	purchasing	NOUN
ejif-12489	387	4	and	and	CCONJ
ejif-12489	387	5	supply	supply	NOUN
ejif-12489	387	6	management	management	NOUN
ejif-12489	387	7	,	,	PUNCT
ejif-12489	387	8	9(2	9(2	NUM
ejif-12489	387	9	)	)	PUNCT
ejif-12489	387	10	,	,	PUNCT
ejif-12489	387	11	article	article	NOUN
ejif-12489	387	12	2	2	NUM
ejif-12489	387	13	.	.	PUNCT
ejif-12489	388	1	https://doi.org/10.1016/s1478-4092(03)00004-9	https://doi.org/10.1016/s1478-4092(03)00004-9	PROPN
ejif-12489	388	2	hassan	hassan	PROPN
ejif-12489	388	3	,	,	PUNCT
ejif-12489	388	4	a.	a.	PROPN
ejif-12489	388	5	,	,	PUNCT
ejif-12489	388	6	&	&	CCONJ
ejif-12489	388	7	mollah	mollah	PROPN
ejif-12489	388	8	,	,	PUNCT
ejif-12489	388	9	s.	s.	PROPN
ejif-12489	388	10	(	(	PUNCT
ejif-12489	388	11	2018	2018	NUM
ejif-12489	388	12	)	)	PUNCT
ejif-12489	388	13	.	.	PUNCT
ejif-12489	389	1	risk	risk	NOUN
ejif-12489	389	2	management	management	NOUN
ejif-12489	389	3	in	in	ADP
ejif-12489	389	4	islamic	islamic	ADJ
ejif-12489	389	5	financial	financial	ADJ
ejif-12489	389	6	institutions	institution	NOUN
ejif-12489	389	7	.	.	PUNCT
ejif-12489	390	1	in	in	ADP
ejif-12489	390	2	a.	a.	PROPN
ejif-12489	390	3	hassan	hassan	PROPN
ejif-12489	390	4	&	&	CCONJ
ejif-12489	390	5	s.	s.	PROPN
ejif-12489	390	6	mollah	mollah	PROPN
ejif-12489	390	7	,	,	PUNCT
ejif-12489	390	8	islamic	islamic	ADJ
ejif-12489	390	9	finance	finance	NOUN
ejif-12489	390	10	(	(	PUNCT
ejif-12489	390	11	pp	pp	ADJ
ejif-12489	390	12	.	.	PUNCT
ejif-12489	391	1	223–230	223–230	NUM
ejif-12489	391	2	)	)	PUNCT
ejif-12489	391	3	.	.	PUNCT
ejif-12489	392	1	springer	springer	NOUN
ejif-12489	392	2	international	international	ADJ
ejif-12489	392	3	publishing	publishing	NOUN
ejif-12489	392	4	.	.	PUNCT
ejif-12489	393	1	https://doi.org/10.1007/978-3-319-91295-0_17	https://doi.org/10.1007/978-3-319-91295-0_17	PROPN
ejif-12489	393	2	holton	holton	PROPN
ejif-12489	393	3	,	,	PUNCT
ejif-12489	393	4	g.	g.	PROPN
ejif-12489	393	5	a.	a.	PROPN
ejif-12489	393	6	(	(	PUNCT
ejif-12489	393	7	2004	2004	NUM
ejif-12489	393	8	)	)	PUNCT
ejif-12489	393	9	.	.	PUNCT
ejif-12489	394	1	defining	define	VERB
ejif-12489	394	2	risk	risk	NOUN
ejif-12489	394	3	.	.	PUNCT
ejif-12489	395	1	financial	financial	ADJ
ejif-12489	395	2	analysts	analyst	NOUN
ejif-12489	395	3	journal	journal	NOUN
ejif-12489	395	4	,	,	PUNCT
ejif-12489	395	5	60(6	60(6	NOUN
ejif-12489	395	6	)	)	PUNCT
ejif-12489	395	7	,	,	PUNCT
ejif-12489	395	8	article	article	NOUN
ejif-12489	395	9	6	6	NUM
ejif-12489	395	10	.	.	PUNCT
ejif-12489	396	1	https://doi.org/10.2469/faj.v60.n6.2669	https://doi.org/10.2469/faj.v60.n6.2669	PROPN
ejif-12489	396	2	iqbal	iqbal	PROPN
ejif-12489	396	3	,	,	PUNCT
ejif-12489	396	4	m.	m.	NOUN
ejif-12489	396	5	(	(	PUNCT
ejif-12489	396	6	2020	2020	NUM
ejif-12489	396	7	)	)	PUNCT
ejif-12489	396	8	.	.	PUNCT
ejif-12489	397	1	islamic	islamic	PROPN
ejif-12489	397	2	finance	finance	PROPN
ejif-12489	397	3	:	:	PUNCT
ejif-12489	397	4	an	an	DET
ejif-12489	397	5	attractive	attractive	ADJ
ejif-12489	397	6	new	new	ADJ
ejif-12489	397	7	way	way	NOUN
ejif-12489	397	8	of	of	ADP
ejif-12489	397	9	financial	financial	ADJ
ejif-12489	397	10	intermediation	intermediation	NOUN
ejif-12489	397	11	.	.	PUNCT
ejif-12489	398	1	international	international	ADJ
ejif-12489	398	2	journal	journal	PROPN
ejif-12489	398	3	of	of	ADP
ejif-12489	398	4	banking	banking	NOUN
ejif-12489	398	5	and	and	CCONJ
ejif-12489	398	6	finance	finance	NOUN
ejif-12489	398	7	,	,	PUNCT
ejif-12489	398	8	10(2	10(2	NUM
ejif-12489	398	9	)	)	PUNCT
ejif-12489	398	10	,	,	PUNCT
ejif-12489	398	11	1–24	1–24	PROPN
ejif-12489	398	12	.	.	PUNCT
ejif-12489	399	1	iqbal	iqbal	PROPN
ejif-12489	399	2	,	,	PUNCT
ejif-12489	399	3	z.	z.	PROPN
ejif-12489	399	4	,	,	PUNCT
ejif-12489	399	5	&	&	CCONJ
ejif-12489	399	6	mirakhor	mirakhor	NOUN
ejif-12489	399	7	,	,	PUNCT
ejif-12489	399	8	a.	a.	NOUN
ejif-12489	399	9	(	(	PUNCT
ejif-12489	399	10	2011	2011	NUM
ejif-12489	399	11	)	)	PUNCT
ejif-12489	399	12	.	.	PUNCT
ejif-12489	400	1	an	an	DET
ejif-12489	400	2	introduction	introduction	NOUN
ejif-12489	400	3	to	to	ADP
ejif-12489	400	4	islamic	islamic	ADJ
ejif-12489	400	5	finance	finance	NOUN
ejif-12489	400	6	:	:	PUNCT
ejif-12489	400	7	theory	theory	NOUN
ejif-12489	400	8	and	and	CCONJ
ejif-12489	400	9	practice	practice	NOUN
ejif-12489	400	10	(	(	PUNCT
ejif-12489	400	11	2	2	NUM
ejif-12489	400	12	.	.	PUNCT
ejif-12489	400	13	ed	ed	NOUN
ejif-12489	400	14	)	)	PUNCT
ejif-12489	400	15	.	.	PUNCT
ejif-12489	401	1	wiley	wiley	PROPN
ejif-12489	401	2	asia	asia	PROPN
ejif-12489	401	3	.	.	PUNCT
ejif-12489	402	1	kamal	kamal	PROPN
ejif-12489	402	2	,	,	PUNCT
ejif-12489	402	3	s.	s.	PROPN
ejif-12489	402	4	,	,	PUNCT
ejif-12489	402	5	muslem	muslem	PROPN
ejif-12489	402	6	,	,	PUNCT
ejif-12489	402	7	m.	m.	NOUN
ejif-12489	402	8	,	,	PUNCT
ejif-12489	402	9	mulyadi	mulyadi	NOUN
ejif-12489	402	10	,	,	PUNCT
ejif-12489	402	11	m.	m.	NOUN
ejif-12489	402	12	,	,	PUNCT
ejif-12489	402	13	&	&	CCONJ
ejif-12489	402	14	berakon	berakon	PROPN
ejif-12489	402	15	,	,	PUNCT
ejif-12489	402	16	i.	i.	PROPN
ejif-12489	402	17	(	(	PUNCT
ejif-12489	402	18	2024	2024	NUM
ejif-12489	402	19	)	)	PUNCT
ejif-12489	402	20	.	.	PUNCT
ejif-12489	403	1	the	the	DET
ejif-12489	403	2	spirit	spirit	PROPN
ejif-12489	403	3	of	of	ADP
ejif-12489	403	4	islamic	islamic	ADJ
ejif-12489	403	5	economics	economic	NOUN
ejif-12489	403	6	versus	versus	ADP
ejif-12489	403	7	loan	loan	NOUN
ejif-12489	403	8	sharks	shark	NOUN
ejif-12489	403	9	:	:	PUNCT
ejif-12489	403	10	investigating	investigate	VERB
ejif-12489	403	11	intentions	intention	NOUN
ejif-12489	403	12	to	to	PART
ejif-12489	403	13	use	use	VERB
ejif-12489	403	14	loan	loan	NOUN
ejif-12489	403	15	sharks	shark	NOUN
ejif-12489	403	16	in	in	ADP
ejif-12489	403	17	aceh	aceh	PROPN
ejif-12489	403	18	,	,	PUNCT
ejif-12489	403	19	indonesia	indonesia	PROPN
ejif-12489	403	20	.	.	PROPN
ejif-12489	403	21	journal	journal	PROPN
ejif-12489	403	22	of	of	ADP
ejif-12489	403	23	islamic	islamic	PROPN
ejif-12489	403	24	marketing	marketing	NOUN
ejif-12489	403	25	,	,	PUNCT
ejif-12489	403	26	15(11	15(11	NUM
ejif-12489	403	27	)	)	PUNCT
ejif-12489	403	28	,	,	PUNCT
ejif-12489	403	29	3023–3047	3023–3047	NUM
ejif-12489	403	30	.	.	PUNCT
ejif-12489	404	1	https://doi.org/10.1108/jima-09-2022-0254	https://doi.org/10.1108/jima-09-2022-0254	ADJ
ejif-12489	404	2	kassim	kassim	PROPN
ejif-12489	404	3	,	,	PUNCT
ejif-12489	404	4	s.	s.	PROPN
ejif-12489	404	5	h.	h.	PROPN
ejif-12489	404	6	j.	j.	PROPN
ejif-12489	404	7	,	,	PUNCT
ejif-12489	404	8	&	&	CCONJ
ejif-12489	404	9	rahman	rahman	PROPN
ejif-12489	404	10	,	,	PUNCT
ejif-12489	404	11	m.	m.	NOUN
ejif-12489	404	12	(	(	PUNCT
ejif-12489	404	13	2018	2018	NUM
ejif-12489	404	14	)	)	PUNCT
ejif-12489	404	15	.	.	PUNCT
ejif-12489	405	1	handling	handle	VERB
ejif-12489	405	2	default	default	NOUN
ejif-12489	405	3	risks	risk	NOUN
ejif-12489	405	4	in	in	ADP
ejif-12489	405	5	microfinance	microfinance	NOUN
ejif-12489	405	6	:	:	PUNCT
ejif-12489	405	7	the	the	DET
ejif-12489	405	8	case	case	NOUN
ejif-12489	405	9	of	of	ADP
ejif-12489	405	10	bangladesh	bangladesh	PROPN
ejif-12489	405	11	.	.	PUNCT
ejif-12489	406	1	qualitative	qualitative	ADJ
ejif-12489	406	2	research	research	NOUN
ejif-12489	406	3	in	in	ADP
ejif-12489	406	4	financial	financial	ADJ
ejif-12489	406	5	markets	market	NOUN
ejif-12489	406	6	,	,	PUNCT
ejif-12489	406	7	10(4	10(4	NUM
ejif-12489	406	8	)	)	PUNCT
ejif-12489	406	9	,	,	PUNCT
ejif-12489	407	1	363–380	363–380	NUM
ejif-12489	407	2	.	.	PUNCT
ejif-12489	407	3	https://doi.org/10.1108/qrfm-03-2017-0018	https://doi.org/10.1108/qrfm-03-2017-0018	NOUN
ejif-12489	407	4	kiptoo	kiptoo	PROPN
ejif-12489	407	5	,	,	PUNCT
ejif-12489	407	6	i.	i.	PROPN
ejif-12489	407	7	k.	k.	PROPN
ejif-12489	407	8	,	,	PUNCT
ejif-12489	407	9	kariuki	kariuki	PROPN
ejif-12489	407	10	,	,	PUNCT
ejif-12489	407	11	s.	s.	PROPN
ejif-12489	407	12	n.	n.	PROPN
ejif-12489	407	13	,	,	PUNCT
ejif-12489	407	14	&	&	CCONJ
ejif-12489	407	15	ocharo	ocharo	PROPN
ejif-12489	407	16	,	,	PUNCT
ejif-12489	407	17	k.	k.	PROPN
ejif-12489	407	18	n.	n.	PROPN
ejif-12489	407	19	(	(	PUNCT
ejif-12489	407	20	2021	2021	NUM
ejif-12489	407	21	)	)	PUNCT
ejif-12489	407	22	.	.	PUNCT
ejif-12489	408	1	risk	risk	NOUN
ejif-12489	408	2	management	management	NOUN
ejif-12489	408	3	and	and	CCONJ
ejif-12489	408	4	financial	financial	ADJ
ejif-12489	408	5	performance	performance	NOUN
ejif-12489	408	6	of	of	ADP
ejif-12489	408	7	insurance	insurance	NOUN
ejif-12489	408	8	firms	firm	NOUN
ejif-12489	408	9	in	in	ADP
ejif-12489	408	10	kenya	kenya	PROPN
ejif-12489	408	11	.	.	PUNCT
ejif-12489	409	1	cogent	cogent	NOUN
ejif-12489	409	2	business	business	PROPN
ejif-12489	409	3	&	&	CCONJ
ejif-12489	409	4	management	management	PROPN
ejif-12489	409	5	,	,	PUNCT
ejif-12489	409	6	8(1	8(1	NOUN
ejif-12489	409	7	)	)	PUNCT
ejif-12489	409	8	,	,	PUNCT
ejif-12489	409	9	1997246	1997246	NUM
ejif-12489	409	10	.	.	PUNCT
ejif-12489	410	1	https://doi.org/10.1080/23311975.2021.1997246	https://doi.org/10.1080/23311975.2021.1997246	PROPN
ejif-12489	410	2	lewis	lewis	PROPN
ejif-12489	410	3	,	,	PUNCT
ejif-12489	410	4	m.	m.	PROPN
ejif-12489	410	5	k.	k.	PROPN
ejif-12489	410	6	,	,	PUNCT
ejif-12489	410	7	&	&	CCONJ
ejif-12489	410	8	algaoud	algaoud	PROPN
ejif-12489	410	9	,	,	PUNCT
ejif-12489	410	10	l.	l.	PROPN
ejif-12489	410	11	m.	m.	PROPN
ejif-12489	410	12	(	(	PUNCT
ejif-12489	410	13	2001	2001	NUM
ejif-12489	410	14	)	)	PUNCT
ejif-12489	410	15	.	.	PUNCT
ejif-12489	411	1	islamic	islamic	ADJ
ejif-12489	411	2	banking	banking	NOUN
ejif-12489	411	3	.	.	PUNCT
ejif-12489	412	1	in	in	ADP
ejif-12489	412	2	books	book	NOUN
ejif-12489	412	3	.	.	PUNCT
ejif-12489	413	1	edward	edward	PROPN
ejif-12489	413	2	elgar	elgar	PROPN
ejif-12489	413	3	publishing	publishing	PROPN
ejif-12489	413	4	.	.	PUNCT
ejif-12489	414	1	https://ideas.repec.org/b/elg/eebook/1488.html	https://ideas.repec.org/b/elg/eebook/1488.html	PROPN
ejif-12489	414	2	luo	luo	PROPN
ejif-12489	414	3	,	,	PUNCT
ejif-12489	414	4	x.	x.	NOUN
ejif-12489	414	5	,	,	PUNCT
ejif-12489	414	6	&	&	CCONJ
ejif-12489	414	7	bhattacharya	bhattacharya	PROPN
ejif-12489	414	8	,	,	PUNCT
ejif-12489	414	9	c.	c.	PROPN
ejif-12489	414	10	b.	b.	PROPN
ejif-12489	414	11	(	(	PUNCT
ejif-12489	414	12	2009	2009	NUM
ejif-12489	414	13	)	)	PUNCT
ejif-12489	414	14	.	.	PUNCT
ejif-12489	415	1	the	the	DET
ejif-12489	415	2	debate	debate	NOUN
ejif-12489	415	3	over	over	ADP
ejif-12489	415	4	doing	do	VERB
ejif-12489	415	5	good	good	NOUN
ejif-12489	415	6	:	:	PUNCT
ejif-12489	415	7	corporate	corporate	ADJ
ejif-12489	415	8	social	social	ADJ
ejif-12489	415	9	performance	performance	NOUN
ejif-12489	415	10	,	,	PUNCT
ejif-12489	415	11	strategic	strategic	ADJ
ejif-12489	415	12	marketing	marketing	NOUN
ejif-12489	415	13	levers	lever	NOUN
ejif-12489	415	14	,	,	PUNCT
ejif-12489	415	15	and	and	CCONJ
ejif-12489	415	16	firm	firm	ADJ
ejif-12489	415	17	-	-	PUNCT
ejif-12489	415	18	idiosyncratic	idiosyncratic	ADJ
ejif-12489	415	19	risk	risk	NOUN
ejif-12489	415	20	.	.	PUNCT
ejif-12489	416	1	journal	journal	NOUN
ejif-12489	416	2	of	of	ADP
ejif-12489	416	3	marketing	marketing	NOUN
ejif-12489	416	4	,	,	PUNCT
ejif-12489	416	5	73(6	73(6	PROPN
ejif-12489	416	6	)	)	PUNCT
ejif-12489	416	7	,	,	PUNCT
ejif-12489	416	8	198–213	198–213	NUM
ejif-12489	416	9	.	.	PUNCT
ejif-12489	417	1	https://doi.org/10.1509/jmkg.73.6.198	https://doi.org/10.1509/jmkg.73.6.198	PROPN
ejif-12489	417	2	european	european	PROPN
ejif-12489	417	3	journal	journal	PROPN
ejif-12489	417	4	of	of	ADP
ejif-12489	417	5	islamic	islamic	PROPN
ejif-12489	417	6	finance	finance	PROPN
ejif-12489	417	7	issn	issn	PROPN
ejif-12489	417	8	:	:	PUNCT
ejif-12489	417	9	2421	2421	NUM
ejif-12489	417	10	-	-	SYM
ejif-12489	417	11	2172	2172	NUM
ejif-12489	417	12	doi	doi	NOUN
ejif-12489	417	13	:	:	PUNCT
ejif-12489	417	14	10.13135/2421	10.13135/2421	NUM
ejif-12489	417	15	-	-	SYM
ejif-12489	417	16	2172/12489	2172/12489	NUM
ejif-12489	417	17	published	publish	VERB
ejif-12489	417	18	by	by	ADP
ejif-12489	417	19	university	university	PROPN
ejif-12489	417	20	of	of	ADP
ejif-12489	417	21	turin	turin	PROPN
ejif-12489	418	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	418	2	ejif	ejif	PROPN
ejif-12489	418	3	content	content	NOUN
ejif-12489	418	4	is	be	AUX
ejif-12489	418	5	licensed	license	VERB
ejif-12489	418	6	under	under	ADP
ejif-12489	418	7	a	a	DET
ejif-12489	418	8	creative	creative	ADJ
ejif-12489	418	9	commons	common	NOUN
ejif-12489	418	10	attribution	attribution	NOUN
ejif-12489	418	11	4.0	4.0	NUM
ejif-12489	418	12	international	international	ADJ
ejif-12489	418	13	license	license	NOUN
ejif-12489	418	14	29	29	NUM
ejif-12489	418	15	manan	manan	PROPN
ejif-12489	418	16	,	,	PUNCT
ejif-12489	418	17	s.	s.	PROPN
ejif-12489	418	18	k.	k.	PROPN
ejif-12489	418	19	a.	a.	PROPN
ejif-12489	418	20	,	,	PUNCT
ejif-12489	418	21	&	&	CCONJ
ejif-12489	418	22	shafiai	shafiai	PROPN
ejif-12489	418	23	,	,	PUNCT
ejif-12489	418	24	m.	m.	PROPN
ejif-12489	418	25	h.	h.	PROPN
ejif-12489	418	26	b.	b.	PROPN
ejif-12489	418	27	m.	m.	PROPN
ejif-12489	418	28	(	(	PUNCT
ejif-12489	418	29	2015	2015	NUM
ejif-12489	418	30	)	)	PUNCT
ejif-12489	418	31	.	.	PUNCT
ejif-12489	419	1	risk	risk	NOUN
ejif-12489	419	2	management	management	NOUN
ejif-12489	419	3	of	of	ADP
ejif-12489	419	4	islamic	islamic	ADJ
ejif-12489	419	5	microfinance	microfinance	NOUN
ejif-12489	419	6	(	(	PUNCT
ejif-12489	419	7	imf	imf	PROPN
ejif-12489	419	8	)	)	PUNCT
ejif-12489	419	9	product	product	NOUN
ejif-12489	419	10	by	by	ADP
ejif-12489	419	11	financial	financial	ADJ
ejif-12489	419	12	institutions	institution	NOUN
ejif-12489	419	13	in	in	ADP
ejif-12489	419	14	malaysia	malaysia	PROPN
ejif-12489	419	15	.	.	PUNCT
ejif-12489	420	1	procedia	procedia	PROPN
ejif-12489	420	2	economics	economic	NOUN
ejif-12489	420	3	and	and	CCONJ
ejif-12489	420	4	finance	finance	NOUN
ejif-12489	420	5	,	,	PUNCT
ejif-12489	420	6	31	31	NUM
ejif-12489	420	7	,	,	PUNCT
ejif-12489	420	8	83–90	83–90	NUM
ejif-12489	420	9	.	.	PUNCT
ejif-12489	421	1	https://doi.org/10.1016/s2212-5671(15)01134x	https://doi.org/10.1016/s2212-5671(15)01134x	PROPN
ejif-12489	421	2	mawardi	mawardi	NOUN
ejif-12489	421	3	,	,	PUNCT
ejif-12489	421	4	i.	i.	NOUN
ejif-12489	421	5	,	,	PUNCT
ejif-12489	421	6	widiastuti	widiastuti	PROPN
ejif-12489	421	7	,	,	PUNCT
ejif-12489	421	8	t.	t.	PROPN
ejif-12489	421	9	,	,	PUNCT
ejif-12489	421	10	al	al	PROPN
ejif-12489	421	11	mustofa	mustofa	PROPN
ejif-12489	421	12	,	,	PUNCT
ejif-12489	421	13	m.	m.	NOUN
ejif-12489	421	14	u.	u.	PROPN
ejif-12489	421	15	,	,	PUNCT
ejif-12489	421	16	&	&	CCONJ
ejif-12489	421	17	prasetyo	prasetyo	NOUN
ejif-12489	421	18	,	,	PUNCT
ejif-12489	421	19	a.	a.	NOUN
ejif-12489	421	20	(	(	PUNCT
ejif-12489	421	21	2020	2020	NUM
ejif-12489	421	22	)	)	PUNCT
ejif-12489	421	23	.	.	PUNCT
ejif-12489	422	1	do	do	AUX
ejif-12489	422	2	indonesian	indonesian	ADJ
ejif-12489	422	3	islamic	islamic	ADJ
ejif-12489	422	4	microfinance	microfinance	NOUN
ejif-12489	422	5	institutions	institution	NOUN
ejif-12489	422	6	need	need	VERB
ejif-12489	422	7	lender	lender	NOUN
ejif-12489	422	8	of	of	ADP
ejif-12489	422	9	the	the	DET
ejif-12489	422	10	last	last	ADJ
ejif-12489	422	11	resort	resort	NOUN
ejif-12489	422	12	?	?	PUNCT
ejif-12489	423	1	al	al	PROPN
ejif-12489	423	2	-	-	PUNCT
ejif-12489	423	3	uqud	uqud	PROPN
ejif-12489	423	4	 	 	SPACE
ejif-12489	423	5	:	:	PUNCT
ejif-12489	423	6	journal	journal	NOUN
ejif-12489	423	7	of	of	ADP
ejif-12489	423	8	islamic	islamic	ADJ
ejif-12489	423	9	economics	economic	NOUN
ejif-12489	423	10	,	,	PUNCT
ejif-12489	423	11	4(2	4(2	NUM
ejif-12489	423	12	)	)	PUNCT
ejif-12489	423	13	,	,	PUNCT
ejif-12489	423	14	235	235	NUM
ejif-12489	423	15	.	.	PUNCT
ejif-12489	423	16	https://doi.org/10.26740/aluqud.v4n2.p235-249	https://doi.org/10.26740/aluqud.v4n2.p235-249	PROPN
ejif-12489	423	17	mayer	mayer	PROPN
ejif-12489	423	18	,	,	PUNCT
ejif-12489	423	19	n.	n.	PROPN
ejif-12489	423	20	,	,	PUNCT
ejif-12489	423	21	aubert	aubert	PROPN
ejif-12489	423	22	,	,	PUNCT
ejif-12489	423	23	j.	j.	PROPN
ejif-12489	423	24	,	,	PUNCT
ejif-12489	423	25	grandry	grandry	PROPN
ejif-12489	423	26	,	,	PUNCT
ejif-12489	423	27	e.	e.	PROPN
ejif-12489	423	28	,	,	PUNCT
ejif-12489	423	29	feltus	feltus	PROPN
ejif-12489	423	30	,	,	PUNCT
ejif-12489	423	31	c.	c.	PROPN
ejif-12489	423	32	,	,	PUNCT
ejif-12489	423	33	goettelmann	goettelmann	PROPN
ejif-12489	423	34	,	,	PUNCT
ejif-12489	423	35	e.	e.	PROPN
ejif-12489	423	36	,	,	PUNCT
ejif-12489	423	37	&	&	CCONJ
ejif-12489	423	38	wieringa	wieringa	PROPN
ejif-12489	423	39	,	,	PUNCT
ejif-12489	423	40	r.	r.	PROPN
ejif-12489	423	41	(	(	PUNCT
ejif-12489	423	42	2019	2019	NUM
ejif-12489	423	43	)	)	PUNCT
ejif-12489	423	44	.	.	PUNCT
ejif-12489	424	1	an	an	DET
ejif-12489	424	2	integrated	integrate	VERB
ejif-12489	424	3	conceptual	conceptual	ADJ
ejif-12489	424	4	model	model	NOUN
ejif-12489	424	5	for	for	ADP
ejif-12489	424	6	information	information	NOUN
ejif-12489	424	7	system	system	NOUN
ejif-12489	424	8	security	security	NOUN
ejif-12489	424	9	risk	risk	NOUN
ejif-12489	424	10	management	management	NOUN
ejif-12489	424	11	supported	support	VERB
ejif-12489	424	12	by	by	ADP
ejif-12489	424	13	enterprise	enterprise	NOUN
ejif-12489	424	14	architecture	architecture	NOUN
ejif-12489	424	15	management	management	NOUN
ejif-12489	424	16	.	.	PUNCT
ejif-12489	425	1	software	software	PROPN
ejif-12489	425	2	&	&	CCONJ
ejif-12489	425	3	systems	systems	PROPN
ejif-12489	425	4	modeling	modeling	NOUN
ejif-12489	425	5	,	,	PUNCT
ejif-12489	425	6	18(3	18(3	NUM
ejif-12489	425	7	)	)	PUNCT
ejif-12489	425	8	,	,	PUNCT
ejif-12489	425	9	2285–2312	2285–2312	NUM
ejif-12489	425	10	.	.	PUNCT
ejif-12489	426	1	https://doi.org/10.1007/s10270-018-0661-x	https://doi.org/10.1007/s10270-018-0661-x	PROPN
ejif-12489	426	2	mclellan	mclellan	PROPN
ejif-12489	426	3	,	,	PUNCT
ejif-12489	426	4	e.	e.	PROPN
ejif-12489	426	5	,	,	PUNCT
ejif-12489	426	6	macqueen	macqueen	PROPN
ejif-12489	426	7	,	,	PUNCT
ejif-12489	426	8	k.	k.	PROPN
ejif-12489	426	9	m.	m.	PROPN
ejif-12489	426	10	,	,	PUNCT
ejif-12489	426	11	&	&	CCONJ
ejif-12489	426	12	neidig	neidig	PROPN
ejif-12489	426	13	,	,	PUNCT
ejif-12489	426	14	j.	j.	PROPN
ejif-12489	426	15	l.	l.	PROPN
ejif-12489	426	16	(	(	PUNCT
ejif-12489	426	17	2003	2003	NUM
ejif-12489	426	18	)	)	PUNCT
ejif-12489	426	19	.	.	PUNCT
ejif-12489	427	1	beyond	beyond	ADP
ejif-12489	427	2	the	the	DET
ejif-12489	427	3	qualitative	qualitative	ADJ
ejif-12489	427	4	interview	interview	NOUN
ejif-12489	427	5	:	:	PUNCT
ejif-12489	427	6	data	datum	NOUN
ejif-12489	427	7	preparation	preparation	NOUN
ejif-12489	427	8	and	and	CCONJ
ejif-12489	427	9	transcription	transcription	NOUN
ejif-12489	427	10	.	.	PUNCT
ejif-12489	428	1	field	field	NOUN
ejif-12489	428	2	methods	method	NOUN
ejif-12489	428	3	,	,	PUNCT
ejif-12489	428	4	15(1	15(1	NUM
ejif-12489	428	5	)	)	PUNCT
ejif-12489	428	6	,	,	PUNCT
ejif-12489	428	7	63–84	63–84	PROPN
ejif-12489	428	8	.	.	PUNCT
ejif-12489	429	1	https://doi.org/10.1177/1525822x02239573	https://doi.org/10.1177/1525822x02239573	PROPN
ejif-12489	429	2	merriam	merriam	PROPN
ejif-12489	429	3	,	,	PUNCT
ejif-12489	429	4	s.	s.	PROPN
ejif-12489	429	5	b.	b.	PROPN
ejif-12489	429	6	(	(	PUNCT
ejif-12489	429	7	2009	2009	NUM
ejif-12489	429	8	)	)	PUNCT
ejif-12489	429	9	.	.	PUNCT
ejif-12489	430	1	qualitative	qualitative	ADJ
ejif-12489	430	2	research	research	NOUN
ejif-12489	430	3	:	:	PUNCT
ejif-12489	430	4	a	a	DET
ejif-12489	430	5	guide	guide	NOUN
ejif-12489	430	6	to	to	PART
ejif-12489	430	7	design	design	VERB
ejif-12489	430	8	and	and	CCONJ
ejif-12489	430	9	implementation	implementation	NOUN
ejif-12489	430	10	.	.	PUNCT
ejif-12489	431	1	jossey	jossey	NOUN
ejif-12489	431	2	-	-	PUNCT
ejif-12489	431	3	bass	bass	NOUN
ejif-12489	431	4	.	.	PUNCT
ejif-12489	432	1	miles	mile	NOUN
ejif-12489	432	2	,	,	PUNCT
ejif-12489	432	3	m.	m.	PROPN
ejif-12489	432	4	b.	b.	PROPN
ejif-12489	432	5	,	,	PUNCT
ejif-12489	432	6	huberman	huberman	NOUN
ejif-12489	432	7	,	,	PUNCT
ejif-12489	432	8	a.	a.	NOUN
ejif-12489	432	9	m.	m.	NOUN
ejif-12489	432	10	,	,	PUNCT
ejif-12489	432	11	&	&	CCONJ
ejif-12489	432	12	saldaña	saldaña	PROPN
ejif-12489	432	13	,	,	PUNCT
ejif-12489	432	14	j.	j.	PROPN
ejif-12489	432	15	(	(	PUNCT
ejif-12489	432	16	2014	2014	NUM
ejif-12489	432	17	)	)	PUNCT
ejif-12489	432	18	.	.	PUNCT
ejif-12489	433	1	qualitative	qualitative	ADJ
ejif-12489	433	2	data	datum	NOUN
ejif-12489	433	3	analysis	analysis	NOUN
ejif-12489	433	4	:	:	PUNCT
ejif-12489	433	5	a	a	DET
ejif-12489	433	6	methods	method	NOUN
ejif-12489	433	7	sourcebook	sourcebook	NOUN
ejif-12489	433	8	(	(	PUNCT
ejif-12489	433	9	third	third	ADJ
ejif-12489	433	10	edition	edition	NOUN
ejif-12489	433	11	)	)	PUNCT
ejif-12489	433	12	.	.	PUNCT
ejif-12489	434	1	sage	sage	NOUN
ejif-12489	434	2	publications	publication	NOUN
ejif-12489	434	3	,	,	PUNCT
ejif-12489	434	4	inc	inc	PROPN
ejif-12489	434	5	.	.	PROPN
ejif-12489	434	6	mohamed	mohamed	PROPN
ejif-12489	434	7	aslam	aslam	PROPN
ejif-12489	434	8	haneef	haneef	PROPN
ejif-12489	434	9	.	.	PUNCT
ejif-12489	435	1	(	(	PUNCT
ejif-12489	435	2	1995	1995	NUM
ejif-12489	435	3	)	)	PUNCT
ejif-12489	435	4	.	.	PUNCT
ejif-12489	436	1	contemporary	contemporary	ADJ
ejif-12489	436	2	islamic	islamic	PROPN
ejif-12489	436	3	economic	economic	ADJ
ejif-12489	436	4	thought	thought	NOUN
ejif-12489	436	5	:	:	PUNCT
ejif-12489	436	6	a	a	DET
ejif-12489	436	7	selected	select	VERB
ejif-12489	436	8	comparative	comparative	ADJ
ejif-12489	436	9	analysis	analysis	NOUN
ejif-12489	436	10	.	.	PUNCT
ejif-12489	437	1	s.	s.	PROPN
ejif-12489	437	2	abdul	abdul	PROPN
ejif-12489	437	3	majeed	majeed	PROPN
ejif-12489	437	4	&	&	CCONJ
ejif-12489	437	5	co.	co.	PROPN
ejif-12489	437	6	for	for	ADP
ejif-12489	437	7	ikraq	ikraq	PROPN
ejif-12489	437	8	.	.	PUNCT
ejif-12489	438	1	mohd	mohd	PROPN
ejif-12489	438	2	noor	noor	PROPN
ejif-12489	438	3	,	,	PUNCT
ejif-12489	438	4	n.	n.	PROPN
ejif-12489	438	5	s.	s.	PROPN
ejif-12489	438	6	,	,	PUNCT
ejif-12489	438	7	ismail	ismail	PROPN
ejif-12489	438	8	,	,	PUNCT
ejif-12489	438	9	a.	a.	NOUN
ejif-12489	438	10	g.	g.	PROPN
ejif-12489	438	11	,	,	PUNCT
ejif-12489	438	12	&	&	CCONJ
ejif-12489	438	13	mohd	mohd	PROPN
ejif-12489	438	14	.	.	PUNCT
ejif-12489	439	1	shafiai	shafiai	PROPN
ejif-12489	439	2	,	,	PUNCT
ejif-12489	439	3	m.	m.	NOUN
ejif-12489	439	4	h.	h.	PROPN
ejif-12489	439	5	(	(	PUNCT
ejif-12489	439	6	2018	2018	NUM
ejif-12489	439	7	)	)	PUNCT
ejif-12489	439	8	.	.	PUNCT
ejif-12489	440	1	shariah	shariah	PROPN
ejif-12489	440	2	risk	risk	NOUN
ejif-12489	440	3	:	:	PUNCT
ejif-12489	440	4	its	its	PRON
ejif-12489	440	5	origin	origin	NOUN
ejif-12489	440	6	,	,	PUNCT
ejif-12489	440	7	definition	definition	NOUN
ejif-12489	440	8	,	,	PUNCT
ejif-12489	440	9	and	and	CCONJ
ejif-12489	440	10	application	application	NOUN
ejif-12489	440	11	in	in	ADP
ejif-12489	440	12	islamic	islamic	ADJ
ejif-12489	440	13	finance	finance	NOUN
ejif-12489	440	14	.	.	PUNCT
ejif-12489	441	1	sage	sage	NOUN
ejif-12489	441	2	open	open	ADJ
ejif-12489	441	3	,	,	PUNCT
ejif-12489	441	4	8(2	8(2	NUM
ejif-12489	441	5	)	)	PUNCT
ejif-12489	441	6	,	,	PUNCT
ejif-12489	441	7	article	article	NOUN
ejif-12489	441	8	2	2	NUM
ejif-12489	441	9	.	.	PUNCT
ejif-12489	442	1	https://doi.org/10.1177/2158244018770237	https://doi.org/10.1177/2158244018770237	PROPN
ejif-12489	442	2	morrow	morrow	PROPN
ejif-12489	442	3	,	,	PUNCT
ejif-12489	442	4	s.	s.	PROPN
ejif-12489	442	5	l.	l.	PROPN
ejif-12489	442	6	(	(	PUNCT
ejif-12489	442	7	2005	2005	NUM
ejif-12489	442	8	)	)	PUNCT
ejif-12489	442	9	.	.	PUNCT
ejif-12489	443	1	quality	quality	NOUN
ejif-12489	443	2	and	and	CCONJ
ejif-12489	443	3	trustworthiness	trustworthiness	NOUN
ejif-12489	443	4	in	in	ADP
ejif-12489	443	5	qualitative	qualitative	ADJ
ejif-12489	443	6	research	research	NOUN
ejif-12489	443	7	in	in	ADP
ejif-12489	443	8	counseling	counsel	VERB
ejif-12489	443	9	psychology	psychology	NOUN
ejif-12489	443	10	.	.	PUNCT
ejif-12489	444	1	journal	journal	PROPN
ejif-12489	444	2	of	of	ADP
ejif-12489	444	3	counseling	counsel	VERB
ejif-12489	444	4	psychology	psychology	NOUN
ejif-12489	444	5	,	,	PUNCT
ejif-12489	444	6	52(2	52(2	NUM
ejif-12489	444	7	)	)	PUNCT
ejif-12489	444	8	,	,	PUNCT
ejif-12489	444	9	250–260	250–260	NUM
ejif-12489	444	10	.	.	PUNCT
ejif-12489	445	1	https://doi.org/10.1037/0022-0167.52.2.250	https://doi.org/10.1037/0022-0167.52.2.250	PROPN
ejif-12489	445	2	muhammad	muhammad	PROPN
ejif-12489	445	3	,	,	PUNCT
ejif-12489	445	4	h.	h.	PROPN
ejif-12489	445	5	(	(	PUNCT
ejif-12489	445	6	2020	2020	NUM
ejif-12489	445	7	)	)	PUNCT
ejif-12489	445	8	.	.	PUNCT
ejif-12489	446	1	holistic	holistic	ADJ
ejif-12489	446	2	practice	practice	NOUN
ejif-12489	446	3	of	of	ADP
ejif-12489	446	4	fiqh	fiqh	PROPN
ejif-12489	446	5	al	al	PROPN
ejif-12489	446	6	-	-	PUNCT
ejif-12489	446	7	muamalat	muamalat	PROPN
ejif-12489	446	8	:	:	PUNCT
ejif-12489	446	9	halal	halal	VERB
ejif-12489	446	10	accountability	accountability	NOUN
ejif-12489	446	11	of	of	ADP
ejif-12489	446	12	islamic	islamic	ADJ
ejif-12489	446	13	microfinance	microfinance	NOUN
ejif-12489	446	14	institutions	institution	NOUN
ejif-12489	446	15	.	.	PUNCT
ejif-12489	447	1	nusantara	nusantara	PROPN
ejif-12489	447	2	halal	halal	PROPN
ejif-12489	447	3	journal	journal	PROPN
ejif-12489	447	4	(	(	PUNCT
ejif-12489	447	5	halal	halal	NOUN
ejif-12489	447	6	awareness	awareness	NOUN
ejif-12489	447	7	,	,	PUNCT
ejif-12489	447	8	opinion	opinion	NOUN
ejif-12489	447	9	,	,	PUNCT
ejif-12489	447	10	research	research	NOUN
ejif-12489	447	11	,	,	PUNCT
ejif-12489	447	12	and	and	CCONJ
ejif-12489	447	13	initiative	initiative	NOUN
ejif-12489	447	14	)	)	PUNCT
ejif-12489	447	15	,	,	PUNCT
ejif-12489	447	16	1(1	1(1	NUM
ejif-12489	447	17	)	)	PUNCT
ejif-12489	447	18	,	,	PUNCT
ejif-12489	447	19	article	article	NOUN
ejif-12489	447	20	1	1	NUM
ejif-12489	447	21	.	.	PUNCT
ejif-12489	448	1	https://doi.org/10.17977/um060.2020v1p022-031	https://doi.org/10.17977/um060.2020v1p022-031	PROPN
ejif-12489	448	2	mustapha	mustapha	PROPN
ejif-12489	448	3	,	,	PUNCT
ejif-12489	448	4	z.	z.	PROPN
ejif-12489	448	5	,	,	PUNCT
ejif-12489	448	6	kunhibava	kunhibava	PROPN
ejif-12489	448	7	,	,	PUNCT
ejif-12489	448	8	s.	s.	PROPN
ejif-12489	448	9	b.	b.	PROPN
ejif-12489	448	10	,	,	PUNCT
ejif-12489	448	11	&	&	CCONJ
ejif-12489	448	12	muneeza	muneeza	PROPN
ejif-12489	448	13	,	,	PUNCT
ejif-12489	448	14	a.	a.	NOUN
ejif-12489	448	15	(	(	PUNCT
ejif-12489	448	16	2021	2021	NUM
ejif-12489	448	17	)	)	PUNCT
ejif-12489	448	18	.	.	PUNCT
ejif-12489	449	1	legal	legal	ADJ
ejif-12489	449	2	and	and	CCONJ
ejif-12489	449	3	sharīʿah	sharīʿah	ADJ
ejif-12489	449	4	non	non	ADJ
ejif-12489	449	5	-	-	ADJ
ejif-12489	449	6	compliance	compliance	ADJ
ejif-12489	449	7	risks	risk	NOUN
ejif-12489	449	8	in	in	ADP
ejif-12489	449	9	nigerian	nigerian	ADJ
ejif-12489	449	10	islamic	islamic	PROPN
ejif-12489	449	11	finance	finance	NOUN
ejif-12489	449	12	industry	industry	NOUN
ejif-12489	449	13	:	:	PUNCT
ejif-12489	449	14	a	a	DET
ejif-12489	449	15	review	review	NOUN
ejif-12489	449	16	of	of	ADP
ejif-12489	449	17	the	the	DET
ejif-12489	449	18	literature	literature	NOUN
ejif-12489	449	19	.	.	PUNCT
ejif-12489	450	1	international	international	ADJ
ejif-12489	450	2	journal	journal	PROPN
ejif-12489	450	3	of	of	ADP
ejif-12489	450	4	law	law	NOUN
ejif-12489	450	5	and	and	CCONJ
ejif-12489	450	6	management	management	NOUN
ejif-12489	450	7	,	,	PUNCT
ejif-12489	450	8	63(2	63(2	NUM
ejif-12489	450	9	)	)	PUNCT
ejif-12489	450	10	,	,	PUNCT
ejif-12489	450	11	275–299	275–299	NUM
ejif-12489	450	12	.	.	PUNCT
ejif-12489	451	1	https://doi.org/10.1108/ijlma-03-2020-0075	https://doi.org/10.1108/ijlma-03-2020-0075	VERB
ejif-12489	451	2	mutamimah	mutamimah	PROPN
ejif-12489	451	3	,	,	PUNCT
ejif-12489	451	4	m.	m.	NOUN
ejif-12489	451	5	,	,	PUNCT
ejif-12489	451	6	zaenudin	zaenudin	PROPN
ejif-12489	451	7	,	,	PUNCT
ejif-12489	451	8	z.	z.	PROPN
ejif-12489	451	9	,	,	PUNCT
ejif-12489	451	10	&	&	CCONJ
ejif-12489	451	11	bin	bin	PROPN
ejif-12489	451	12	mislan	mislan	PROPN
ejif-12489	451	13	cokrohadisumarto	cokrohadisumarto	VERB
ejif-12489	451	14	,	,	PUNCT
ejif-12489	451	15	w.	w.	NOUN
ejif-12489	451	16	(	(	PUNCT
ejif-12489	451	17	2022	2022	NUM
ejif-12489	451	18	)	)	PUNCT
ejif-12489	451	19	.	.	PUNCT
ejif-12489	452	1	risk	risk	NOUN
ejif-12489	452	2	management	management	NOUN
ejif-12489	452	3	practices	practice	NOUN
ejif-12489	452	4	of	of	ADP
ejif-12489	452	5	islamic	islamic	ADJ
ejif-12489	452	6	microfinance	microfinance	NOUN
ejif-12489	452	7	institutions	institution	NOUN
ejif-12489	452	8	to	to	PART
ejif-12489	452	9	improve	improve	VERB
ejif-12489	452	10	their	their	PRON
ejif-12489	452	11	financial	financial	ADJ
ejif-12489	452	12	performance	performance	NOUN
ejif-12489	452	13	and	and	CCONJ
ejif-12489	452	14	sustainability	sustainability	NOUN
ejif-12489	452	15	:	:	PUNCT
ejif-12489	452	16	a	a	DET
ejif-12489	452	17	study	study	NOUN
ejif-12489	452	18	on	on	ADP
ejif-12489	452	19	baitut	baitut	PROPN
ejif-12489	452	20	tamwil	tamwil	VERB
ejif-12489	452	21	muhammadiyah	muhammadiyah	ADP
ejif-12489	452	22	,	,	PUNCT
ejif-12489	452	23	indonesia	indonesia	PROPN
ejif-12489	452	24	.	.	PUNCT
ejif-12489	453	1	qualitative	qualitative	ADJ
ejif-12489	453	2	research	research	NOUN
ejif-12489	453	3	in	in	ADP
ejif-12489	453	4	financial	financial	ADJ
ejif-12489	453	5	markets	market	NOUN
ejif-12489	453	6	,	,	PUNCT
ejif-12489	453	7	ahead	ahead	ADV
ejif-12489	453	8	-	-	PUNCT
ejif-12489	453	9	of	of	ADP
ejif-12489	453	10	-	-	PUNCT
ejif-12489	453	11	print(ahead	print(ahead	NOUN
ejif-12489	453	12	-	-	PUNCT
ejif-12489	453	13	of	of	ADP
ejif-12489	453	14	-	-	PUNCT
ejif-12489	453	15	print	print	NOUN
ejif-12489	453	16	)	)	PUNCT
ejif-12489	453	17	.	.	PUNCT
ejif-12489	454	1	https://doi.org/10.1108/qrfm-06-2021-0099	https://doi.org/10.1108/qrfm-06-2021-0099	PROPN
ejif-12489	454	2	naqvi	naqvi	NOUN
ejif-12489	454	3	,	,	PUNCT
ejif-12489	454	4	s.	s.	PROPN
ejif-12489	454	5	n.	n.	PROPN
ejif-12489	454	6	h.	h.	PROPN
ejif-12489	454	7	(	(	PUNCT
ejif-12489	454	8	1994	1994	NUM
ejif-12489	454	9	)	)	PUNCT
ejif-12489	454	10	.	.	PUNCT
ejif-12489	455	1	islam	islam	PROPN
ejif-12489	455	2	,	,	PUNCT
ejif-12489	455	3	economics	economic	NOUN
ejif-12489	455	4	,	,	PUNCT
ejif-12489	455	5	and	and	CCONJ
ejif-12489	455	6	society	society	NOUN
ejif-12489	455	7	.	.	PUNCT
ejif-12489	456	1	kegan	kegan	PROPN
ejif-12489	456	2	paul	paul	PROPN
ejif-12489	456	3	international	international	PROPN
ejif-12489	456	4	 	 	SPACE
ejif-12489	456	5	;	;	PUNCT
ejif-12489	456	6	distributed	distribute	VERB
ejif-12489	456	7	by	by	ADP
ejif-12489	456	8	routledge	routledge	PROPN
ejif-12489	456	9	.	.	PUNCT
ejif-12489	456	10	rahajeng	rahajeng	PROPN
ejif-12489	456	11	,	,	PUNCT
ejif-12489	456	12	d.	d.	PROPN
ejif-12489	456	13	k.	k.	PROPN
ejif-12489	456	14	(	(	PUNCT
ejif-12489	456	15	2022	2022	NUM
ejif-12489	456	16	)	)	PUNCT
ejif-12489	456	17	.	.	PUNCT
ejif-12489	457	1	the	the	DET
ejif-12489	457	2	ethical	ethical	ADJ
ejif-12489	457	3	paradox	paradox	NOUN
ejif-12489	457	4	in	in	ADP
ejif-12489	457	5	islamic	islamic	ADJ
ejif-12489	457	6	cooperatives	cooperative	NOUN
ejif-12489	457	7	:	:	PUNCT
ejif-12489	457	8	a	a	DET
ejif-12489	457	9	lesson	lesson	NOUN
ejif-12489	457	10	learned	learn	VERB
ejif-12489	457	11	from	from	ADP
ejif-12489	457	12	scandalous	scandalous	ADJ
ejif-12489	457	13	fraud	fraud	NOUN
ejif-12489	457	14	cases	case	NOUN
ejif-12489	457	15	in	in	ADP
ejif-12489	457	16	indonesia	indonesia	PROPN
ejif-12489	457	17	’s	’s	PART
ejif-12489	457	18	baitul	baitul	NOUN
ejif-12489	457	19	maal	maal	NOUN
ejif-12489	457	20	wat	wat	AUX
ejif-12489	457	21	tamwil	tamwil	VERB
ejif-12489	457	22	.	.	PUNCT
ejif-12489	458	1	cogent	cogent	NOUN
ejif-12489	458	2	business	business	PROPN
ejif-12489	458	3	&	&	CCONJ
ejif-12489	458	4	management	management	PROPN
ejif-12489	458	5	,	,	PUNCT
ejif-12489	458	6	9(1	9(1	NUM
ejif-12489	458	7	)	)	PUNCT
ejif-12489	458	8	,	,	PUNCT
ejif-12489	458	9	2090208	2090208	NUM
ejif-12489	458	10	.	.	PUNCT
ejif-12489	459	1	https://doi.org/10.1080/23311975.2022.2090208	https://doi.org/10.1080/23311975.2022.2090208	PROPN
ejif-12489	459	2	riaz	riaz	PROPN
ejif-12489	459	3	,	,	PUNCT
ejif-12489	459	4	s.	s.	PROPN
ejif-12489	459	5	,	,	PUNCT
ejif-12489	459	6	hussain	hussain	PROPN
ejif-12489	459	7	,	,	PUNCT
ejif-12489	459	8	t.	t.	PROPN
ejif-12489	459	9	,	,	PUNCT
ejif-12489	459	10	&	&	CCONJ
ejif-12489	459	11	arshed	arshe	VERB
ejif-12489	459	12	,	,	PUNCT
ejif-12489	459	13	n.	n.	PROPN
ejif-12489	459	14	(	(	PUNCT
ejif-12489	459	15	2025	2025	NUM
ejif-12489	459	16	)	)	PUNCT
ejif-12489	459	17	.	.	PUNCT
ejif-12489	460	1	managing	manage	VERB
ejif-12489	460	2	patronization	patronization	NOUN
ejif-12489	460	3	portfolio	portfolio	NOUN
ejif-12489	460	4	for	for	ADP
ejif-12489	460	5	liquidity	liquidity	NOUN
ejif-12489	460	6	risk	risk	NOUN
ejif-12489	460	7	management	management	NOUN
ejif-12489	460	8	in	in	ADP
ejif-12489	460	9	islamic	islamic	ADJ
ejif-12489	460	10	banks	bank	NOUN
ejif-12489	460	11	.	.	PUNCT
ejif-12489	461	1	journal	journal	PROPN
ejif-12489	461	2	of	of	ADP
ejif-12489	461	3	islamic	islamic	PROPN
ejif-12489	461	4	accounting	accounting	PROPN
ejif-12489	461	5	and	and	CCONJ
ejif-12489	461	6	business	business	NOUN
ejif-12489	461	7	research	research	NOUN
ejif-12489	461	8	.	.	PUNCT
ejif-12489	462	1	https://doi.org/10.1108/jiabr-06-2023-0180	https://doi.org/10.1108/jiabr-06-2023-0180	PROPN
ejif-12489	462	2	rohman	rohman	NOUN
ejif-12489	462	3	,	,	PUNCT
ejif-12489	462	4	p.	p.	PROPN
ejif-12489	462	5	s.	s.	PROPN
ejif-12489	462	6	,	,	PUNCT
ejif-12489	462	7	fianto	fianto	PROPN
ejif-12489	462	8	,	,	PUNCT
ejif-12489	462	9	b.	b.	PROPN
ejif-12489	462	10	a.	a.	PROPN
ejif-12489	462	11	,	,	PUNCT
ejif-12489	462	12	ali	ali	PROPN
ejif-12489	462	13	shah	shah	PROPN
ejif-12489	462	14	,	,	PUNCT
ejif-12489	462	15	s.	s.	PROPN
ejif-12489	462	16	a.	a.	PROPN
ejif-12489	462	17	,	,	PUNCT
ejif-12489	462	18	kayani	kayani	PROPN
ejif-12489	462	19	,	,	PUNCT
ejif-12489	462	20	u.	u.	PROPN
ejif-12489	462	21	n.	n.	PROPN
ejif-12489	462	22	,	,	PUNCT
ejif-12489	462	23	suprayogi	suprayogi	ADV
ejif-12489	462	24	,	,	PUNCT
ejif-12489	462	25	n.	n.	NOUN
ejif-12489	462	26	,	,	PUNCT
ejif-12489	462	27	&	&	CCONJ
ejif-12489	462	28	supriani	supriani	PROPN
ejif-12489	462	29	,	,	PUNCT
ejif-12489	462	30	i.	i.	NOUN
ejif-12489	462	31	(	(	PUNCT
ejif-12489	462	32	2021	2021	NUM
ejif-12489	462	33	)	)	PUNCT
ejif-12489	462	34	.	.	PUNCT
ejif-12489	463	1	a	a	DET
ejif-12489	463	2	review	review	NOUN
ejif-12489	463	3	on	on	ADP
ejif-12489	463	4	literature	literature	NOUN
ejif-12489	463	5	of	of	ADP
ejif-12489	463	6	islamic	islamic	ADJ
ejif-12489	463	7	microfinance	microfinance	NOUN
ejif-12489	463	8	from	from	ADP
ejif-12489	463	9	2010	2010	NUM
ejif-12489	463	10	-	-	SYM
ejif-12489	463	11	2020	2020	NUM
ejif-12489	463	12	:	:	PUNCT
ejif-12489	463	13	lesson	lesson	NOUN
ejif-12489	463	14	for	for	ADP
ejif-12489	463	15	practitioners	practitioner	NOUN
ejif-12489	463	16	and	and	CCONJ
ejif-12489	463	17	future	future	ADJ
ejif-12489	463	18	directions	direction	NOUN
ejif-12489	463	19	.	.	PUNCT
ejif-12489	464	1	heliyon	heliyon	NOUN
ejif-12489	464	2	,	,	PUNCT
ejif-12489	464	3	7(12	7(12	NUM
ejif-12489	464	4	)	)	PUNCT
ejif-12489	464	5	,	,	PUNCT
ejif-12489	464	6	e08549	e08549	PROPN
ejif-12489	464	7	.	.	PROPN
ejif-12489	464	8	https://doi.org/10.1016/j.heliyon.2021.e08549	https://doi.org/10.1016/j.heliyon.2021.e08549	PROPN
ejif-12489	464	9	rozzani	rozzani	PROPN
ejif-12489	464	10	,	,	PUNCT
ejif-12489	464	11	n.	n.	PROPN
ejif-12489	464	12	,	,	PUNCT
ejif-12489	464	13	mohamed	mohamed	PROPN
ejif-12489	464	14	,	,	PUNCT
ejif-12489	464	15	i.	i.	PROPN
ejif-12489	464	16	s.	s.	PROPN
ejif-12489	464	17	,	,	PUNCT
ejif-12489	464	18	&	&	CCONJ
ejif-12489	464	19	syed	syed	PROPN
ejif-12489	464	20	yusuf	yusuf	PROPN
ejif-12489	464	21	,	,	PUNCT
ejif-12489	464	22	s.	s.	PROPN
ejif-12489	464	23	n.	n.	PROPN
ejif-12489	464	24	(	(	PUNCT
ejif-12489	464	25	2017	2017	NUM
ejif-12489	464	26	)	)	PUNCT
ejif-12489	464	27	.	.	PUNCT
ejif-12489	465	1	risk	risk	NOUN
ejif-12489	465	2	management	management	NOUN
ejif-12489	465	3	process	process	NOUN
ejif-12489	465	4	:	:	PUNCT
ejif-12489	465	5	profiling	profiling	NOUN
ejif-12489	465	6	of	of	ADP
ejif-12489	465	7	islamic	islamic	ADJ
ejif-12489	465	8	microfinance	microfinance	NOUN
ejif-12489	465	9	providers	provider	NOUN
ejif-12489	465	10	.	.	PUNCT
ejif-12489	466	1	research	research	NOUN
ejif-12489	466	2	in	in	ADP
ejif-12489	466	3	international	international	ADJ
ejif-12489	466	4	business	business	NOUN
ejif-12489	466	5	and	and	CCONJ
ejif-12489	466	6	finance	finance	NOUN
ejif-12489	466	7	,	,	PUNCT
ejif-12489	466	8	41	41	NUM
ejif-12489	466	9	,	,	PUNCT
ejif-12489	466	10	20–27	20–27	NUM
ejif-12489	466	11	.	.	PUNCT
ejif-12489	467	1	https://doi.org/10.1016/j.ribaf.2017.04.009	https://doi.org/10.1016/j.ribaf.2017.04.009	PROPN
ejif-12489	467	2	sachedina	sachedina	PROPN
ejif-12489	467	3	,	,	PUNCT
ejif-12489	467	4	a.	a.	NOUN
ejif-12489	467	5	(	(	PUNCT
ejif-12489	467	6	2001	2001	NUM
ejif-12489	467	7	)	)	PUNCT
ejif-12489	467	8	.	.	PUNCT
ejif-12489	468	1	the	the	DET
ejif-12489	468	2	issue	issue	NOUN
ejif-12489	468	3	of	of	ADP
ejif-12489	468	4	riba	riba	PROPN
ejif-12489	468	5	in	in	ADP
ejif-12489	468	6	islamic	islamic	ADJ
ejif-12489	468	7	faith	faith	NOUN
ejif-12489	468	8	and	and	CCONJ
ejif-12489	468	9	law	law	NOUN
ejif-12489	468	10	:	:	PUNCT
ejif-12489	468	11	in	in	ADP
ejif-12489	468	12	spiritual	spiritual	ADJ
ejif-12489	468	13	goods	good	NOUN
ejif-12489	468	14	faith	faith	NOUN
ejif-12489	468	15	traditions	tradition	NOUN
ejif-12489	468	16	and	and	CCONJ
ejif-12489	468	17	the	the	DET
ejif-12489	468	18	practice	practice	NOUN
ejif-12489	468	19	of	of	ADP
ejif-12489	468	20	business	business	NOUN
ejif-12489	468	21	(	(	PUNCT
ejif-12489	468	22	pp	pp	ADJ
ejif-12489	468	23	.	.	PUNCT
ejif-12489	469	1	325–343	325–343	NUM
ejif-12489	469	2	)	)	PUNCT
ejif-12489	469	3	.	.	PUNCT
ejif-12489	470	1	philosophy	philosophy	NOUN
ejif-12489	470	2	documentation	documentation	NOUN
ejif-12489	470	3	center	center	NOUN
ejif-12489	470	4	.	.	PUNCT
ejif-12489	471	1	https://doi.org/10.5840/spiritgds200128	https://doi.org/10.5840/spiritgds200128	PROPN
ejif-12489	471	2	european	european	PROPN
ejif-12489	471	3	journal	journal	PROPN
ejif-12489	471	4	of	of	ADP
ejif-12489	471	5	islamic	islamic	PROPN
ejif-12489	471	6	finance	finance	PROPN
ejif-12489	471	7	issn	issn	PROPN
ejif-12489	471	8	:	:	PUNCT
ejif-12489	471	9	2421	2421	NUM
ejif-12489	471	10	-	-	SYM
ejif-12489	471	11	2172	2172	NUM
ejif-12489	471	12	doi	doi	NOUN
ejif-12489	471	13	:	:	PUNCT
ejif-12489	471	14	10.13135/2421	10.13135/2421	NUM
ejif-12489	471	15	-	-	SYM
ejif-12489	471	16	2172/12489	2172/12489	NUM
ejif-12489	471	17	published	publish	VERB
ejif-12489	471	18	by	by	ADP
ejif-12489	471	19	university	university	PROPN
ejif-12489	471	20	of	of	ADP
ejif-12489	471	21	turin	turin	PROPN
ejif-12489	472	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-12489	472	2	ejif	ejif	PROPN
ejif-12489	472	3	content	content	NOUN
ejif-12489	472	4	is	be	AUX
ejif-12489	472	5	licensed	license	VERB
ejif-12489	472	6	under	under	ADP
ejif-12489	472	7	a	a	DET
ejif-12489	472	8	creative	creative	ADJ
ejif-12489	472	9	commons	common	NOUN
ejif-12489	472	10	attribution	attribution	NOUN
ejif-12489	472	11	4.0	4.0	NUM
ejif-12489	472	12	international	international	ADJ
ejif-12489	472	13	license	license	NOUN
ejif-12489	472	14	30	30	NUM
ejif-12489	472	15	saeidi	saeidi	NOUN
ejif-12489	472	16	,	,	PUNCT
ejif-12489	472	17	p.	p.	NOUN
ejif-12489	472	18	,	,	PUNCT
ejif-12489	472	19	saeidi	saeidi	PROPN
ejif-12489	472	20	,	,	PUNCT
ejif-12489	472	21	s.	s.	PROPN
ejif-12489	472	22	p.	p.	PROPN
ejif-12489	472	23	,	,	PUNCT
ejif-12489	472	24	sofian	sofian	PROPN
ejif-12489	472	25	,	,	PUNCT
ejif-12489	472	26	s.	s.	PROPN
ejif-12489	472	27	,	,	PUNCT
ejif-12489	472	28	saeidi	saeidi	PROPN
ejif-12489	472	29	,	,	PUNCT
ejif-12489	472	30	s.	s.	PROPN
ejif-12489	472	31	p.	p.	PROPN
ejif-12489	472	32	,	,	PUNCT
ejif-12489	472	33	nilashi	nilashi	PROPN
ejif-12489	472	34	,	,	PUNCT
ejif-12489	472	35	m.	m.	NOUN
ejif-12489	472	36	,	,	PUNCT
ejif-12489	472	37	&	&	CCONJ
ejif-12489	472	38	mardani	mardani	PROPN
ejif-12489	472	39	,	,	PUNCT
ejif-12489	472	40	a.	a.	NOUN
ejif-12489	472	41	(	(	PUNCT
ejif-12489	472	42	2019	2019	NUM
ejif-12489	472	43	)	)	PUNCT
ejif-12489	472	44	.	.	PUNCT
ejif-12489	473	1	the	the	DET
ejif-12489	473	2	impact	impact	NOUN
ejif-12489	473	3	of	of	ADP
ejif-12489	473	4	enterprise	enterprise	NOUN
ejif-12489	473	5	risk	risk	NOUN
ejif-12489	473	6	management	management	NOUN
ejif-12489	473	7	on	on	ADP
ejif-12489	473	8	competitive	competitive	ADJ
ejif-12489	473	9	advantage	advantage	NOUN
ejif-12489	473	10	by	by	ADP
ejif-12489	473	11	moderating	moderate	VERB
ejif-12489	473	12	role	role	NOUN
ejif-12489	473	13	of	of	ADP
ejif-12489	473	14	information	information	NOUN
ejif-12489	473	15	technology	technology	NOUN
ejif-12489	473	16	.	.	PUNCT
ejif-12489	474	1	computer	computer	NOUN
ejif-12489	474	2	standards	standard	NOUN
ejif-12489	474	3	&	&	CCONJ
ejif-12489	474	4	interfaces	interface	NOUN
ejif-12489	474	5	,	,	PUNCT
ejif-12489	474	6	63	63	NUM
ejif-12489	474	7	,	,	PUNCT
ejif-12489	474	8	67	67	NUM
ejif-12489	474	9	–	–	SYM
ejif-12489	474	10	82	82	NUM
ejif-12489	474	11	.	.	PUNCT
ejif-12489	475	1	https://doi.org/10.1016/j.csi.2018.11.009	https://doi.org/10.1016/j.csi.2018.11.009	PROPN
ejif-12489	475	2	sakai	sakai	NOUN
ejif-12489	475	3	,	,	PUNCT
ejif-12489	475	4	m.	m.	NOUN
ejif-12489	475	5	(	(	PUNCT
ejif-12489	475	6	2010	2010	NUM
ejif-12489	475	7	)	)	PUNCT
ejif-12489	475	8	.	.	PUNCT
ejif-12489	476	1	growing	grow	VERB
ejif-12489	476	2	together	together	ADV
ejif-12489	476	3	in	in	ADP
ejif-12489	476	4	partnership	partnership	NOUN
ejif-12489	476	5	:	:	PUNCT
ejif-12489	476	6	women	woman	NOUN
ejif-12489	476	7	’s	’s	PART
ejif-12489	476	8	views	view	NOUN
ejif-12489	476	9	of	of	ADP
ejif-12489	476	10	the	the	DET
ejif-12489	476	11	business	business	NOUN
ejif-12489	476	12	practices	practice	NOUN
ejif-12489	476	13	of	of	ADP
ejif-12489	476	14	an	an	DET
ejif-12489	476	15	islamic	islamic	ADJ
ejif-12489	476	16	savings	saving	NOUN
ejif-12489	476	17	and	and	CCONJ
ejif-12489	476	18	credit	credit	NOUN
ejif-12489	476	19	cooperative	cooperative	NOUN
ejif-12489	476	20	(	(	PUNCT
ejif-12489	476	21	baitul	baitul	NOUN
ejif-12489	476	22	maal	maal	NOUN
ejif-12489	476	23	wat	wat	AUX
ejif-12489	476	24	tamwil	tamwil	VERB
ejif-12489	476	25	)	)	PUNCT
ejif-12489	476	26	in	in	ADP
ejif-12489	476	27	central	central	ADJ
ejif-12489	476	28	java	java	PROPN
ejif-12489	476	29	,	,	PUNCT
ejif-12489	476	30	indonesia	indonesia	PROPN
ejif-12489	476	31	.	.	PUNCT
ejif-12489	477	1	women	women	PROPN
ejif-12489	477	2	’s	’s	PART
ejif-12489	477	3	studies	studies	PROPN
ejif-12489	477	4	international	international	PROPN
ejif-12489	477	5	forum	forum	PROPN
ejif-12489	477	6	,	,	PUNCT
ejif-12489	477	7	33(4	33(4	NUM
ejif-12489	477	8	)	)	PUNCT
ejif-12489	477	9	,	,	PUNCT
ejif-12489	477	10	412	412	NUM
ejif-12489	477	11	–	–	SYM
ejif-12489	477	12	421	421	NUM
ejif-12489	477	13	.	.	PUNCT
ejif-12489	478	1	https://doi.org/10.1016/j.wsif.2010.02.015	https://doi.org/10.1016/j.wsif.2010.02.015	NOUN
ejif-12489	478	2	seibel	seibel	PROPN
ejif-12489	478	3	,	,	PUNCT
ejif-12489	478	4	h.	h.	PROPN
ejif-12489	478	5	d.	d.	PROPN
ejif-12489	478	6	(	(	PUNCT
ejif-12489	478	7	2012	2012	NUM
ejif-12489	478	8	)	)	PUNCT
ejif-12489	478	9	.	.	PUNCT
ejif-12489	479	1	islamic	islamic	ADJ
ejif-12489	479	2	microfinance	microfinance	NOUN
ejif-12489	479	3	in	in	ADP
ejif-12489	479	4	indonesia	indonesia	PROPN
ejif-12489	479	5	:	:	PUNCT
ejif-12489	479	6	the	the	DET
ejif-12489	479	7	challenge	challenge	NOUN
ejif-12489	479	8	of	of	ADP
ejif-12489	479	9	institutional	institutional	ADJ
ejif-12489	479	10	diversity	diversity	NOUN
ejif-12489	479	11	,	,	PUNCT
ejif-12489	479	12	regulation	regulation	NOUN
ejif-12489	479	13	and	and	CCONJ
ejif-12489	479	14	supervision	supervision	NOUN
ejif-12489	479	15	1	1	NUM
ejif-12489	479	16	.	.	PUNCT
ejif-12489	480	1	in	in	ADP
ejif-12489	480	2	shari’a	shari’a	NOUN
ejif-12489	480	3	compliant	compliant	ADJ
ejif-12489	480	4	microfinance	microfinance	NOUN
ejif-12489	480	5	.	.	PUNCT
ejif-12489	481	1	routledge	routledge	PROPN
ejif-12489	481	2	.	.	PUNCT
ejif-12489	482	1	sekaran	sekaran	PROPN
ejif-12489	482	2	,	,	PUNCT
ejif-12489	482	3	u.	u.	PROPN
ejif-12489	482	4	,	,	PUNCT
ejif-12489	482	5	&	&	CCONJ
ejif-12489	482	6	bougie	bougie	PROPN
ejif-12489	482	7	,	,	PUNCT
ejif-12489	482	8	r.	r.	PROPN
ejif-12489	482	9	(	(	PUNCT
ejif-12489	482	10	2016	2016	NUM
ejif-12489	482	11	)	)	PUNCT
ejif-12489	482	12	.	.	PUNCT
ejif-12489	483	1	research	research	NOUN
ejif-12489	483	2	methods	method	NOUN
ejif-12489	483	3	for	for	ADP
ejif-12489	483	4	business	business	NOUN
ejif-12489	483	5	:	:	PUNCT
ejif-12489	483	6	a	a	DET
ejif-12489	483	7	skill	skill	NOUN
ejif-12489	483	8	-	-	PUNCT
ejif-12489	483	9	building	building	NOUN
ejif-12489	483	10	approach	approach	NOUN
ejif-12489	483	11	(	(	PUNCT
ejif-12489	483	12	seventh	seventh	ADJ
ejif-12489	483	13	edition	edition	NOUN
ejif-12489	483	14	)	)	PUNCT
ejif-12489	483	15	.	.	PUNCT
ejif-12489	484	1	john	john	PROPN
ejif-12489	484	2	wiley	wiley	PROPN
ejif-12489	484	3	&	&	CCONJ
ejif-12489	484	4	sons	son	NOUN
ejif-12489	484	5	.	.	PUNCT
ejif-12489	485	1	septianingsih	septianingsih	PROPN
ejif-12489	485	2	,	,	PUNCT
ejif-12489	485	3	r.	r.	PROPN
ejif-12489	485	4	,	,	PUNCT
ejif-12489	485	5	abdullah	abdullah	PROPN
ejif-12489	485	6	,	,	PUNCT
ejif-12489	485	7	a.	a.	PROPN
ejif-12489	485	8	,	,	PUNCT
ejif-12489	485	9	&	&	CCONJ
ejif-12489	485	10	salleh	salleh	PROPN
ejif-12489	485	11	,	,	PUNCT
ejif-12489	485	12	m.	m.	NOUN
ejif-12489	485	13	z.	z.	PROPN
ejif-12489	485	14	m.	m.	PROPN
ejif-12489	485	15	(	(	PUNCT
ejif-12489	485	16	2024	2024	NUM
ejif-12489	485	17	)	)	PUNCT
ejif-12489	485	18	.	.	PUNCT
ejif-12489	486	1	a	a	DET
ejif-12489	486	2	systematic	systematic	ADJ
ejif-12489	486	3	review	review	NOUN
ejif-12489	486	4	:	:	PUNCT
ejif-12489	486	5	challenge	challenge	NOUN
ejif-12489	486	6	of	of	ADP
ejif-12489	486	7	islamic	islamic	ADJ
ejif-12489	486	8	microfinance	microfinance	NOUN
ejif-12489	486	9	baitul	baitul	NOUN
ejif-12489	486	10	maal	maal	NOUN
ejif-12489	486	11	wat	wat	AUX
ejif-12489	486	12	tamwil	tamwil	VERB
ejif-12489	486	13	in	in	ADP
ejif-12489	486	14	indonesia	indonesia	PROPN
ejif-12489	486	15	.	.	PUNCT
ejif-12489	487	1	in	in	ADP
ejif-12489	487	2	n.	n.	PROPN
ejif-12489	487	3	mansour	mansour	PROPN
ejif-12489	487	4	&	&	CCONJ
ejif-12489	487	5	l.	l.	PROPN
ejif-12489	487	6	bujosa	bujosa	PROPN
ejif-12489	487	7	(	(	PUNCT
ejif-12489	487	8	eds	ed	NOUN
ejif-12489	487	9	.	.	PUNCT
ejif-12489	487	10	)	)	PUNCT
ejif-12489	487	11	,	,	PUNCT
ejif-12489	487	12	islamic	islamic	ADJ
ejif-12489	487	13	finance	finance	NOUN
ejif-12489	487	14	:	:	PUNCT
ejif-12489	487	15	new	new	ADJ
ejif-12489	487	16	trends	trend	NOUN
ejif-12489	487	17	in	in	ADP
ejif-12489	487	18	law	law	NOUN
ejif-12489	487	19	and	and	CCONJ
ejif-12489	487	20	regulation	regulation	NOUN
ejif-12489	487	21	(	(	PUNCT
ejif-12489	487	22	pp	pp	ADJ
ejif-12489	487	23	.	.	PUNCT
ejif-12489	487	24	19–26	19–26	NUM
ejif-12489	487	25	)	)	PUNCT
ejif-12489	487	26	.	.	PUNCT
ejif-12489	488	1	springer	springer	PROPN
ejif-12489	488	2	nature	nature	PROPN
ejif-12489	488	3	switzerland	switzerland	PROPN
ejif-12489	488	4	.	.	PUNCT
ejif-12489	489	1	https://doi.org/10.1007/978-3-031-48770-5_3	https://doi.org/10.1007/978-3-031-48770-5_3	PROPN
ejif-12489	489	2	settembre	settembre	PROPN
ejif-12489	489	3	-	-	PUNCT
ejif-12489	489	4	blundo	blundo	PROPN
ejif-12489	489	5	,	,	PUNCT
ejif-12489	489	6	d.	d.	PROPN
ejif-12489	489	7	,	,	PUNCT
ejif-12489	489	8	gonzález	gonzález	PROPN
ejif-12489	489	9	-	-	PUNCT
ejif-12489	489	10	sánchez	sánchez	PROPN
ejif-12489	489	11	,	,	PUNCT
ejif-12489	489	12	r.	r.	PROPN
ejif-12489	489	13	,	,	PUNCT
ejif-12489	489	14	medina	medina	PROPN
ejif-12489	489	15	-	-	PUNCT
ejif-12489	489	16	salgado	salgado	PROPN
ejif-12489	489	17	,	,	PUNCT
ejif-12489	489	18	s.	s.	PROPN
ejif-12489	489	19	,	,	PUNCT
ejif-12489	489	20	&	&	CCONJ
ejif-12489	489	21	garcía	garcía	ADJ
ejif-12489	489	22	-	-	PUNCT
ejif-12489	489	23	muiña	muiña	NOUN
ejif-12489	489	24	,	,	PUNCT
ejif-12489	489	25	f.	f.	PROPN
ejif-12489	489	26	e.	e.	PROPN
ejif-12489	489	27	(	(	PUNCT
ejif-12489	489	28	2021	2021	NUM
ejif-12489	489	29	)	)	PUNCT
ejif-12489	489	30	.	.	PUNCT
ejif-12489	490	1	flexibility	flexibility	NOUN
ejif-12489	490	2	and	and	CCONJ
ejif-12489	490	3	resilience	resilience	NOUN
ejif-12489	490	4	in	in	ADP
ejif-12489	490	5	corporate	corporate	ADJ
ejif-12489	490	6	decision	decision	NOUN
ejif-12489	490	7	making	make	VERB
ejif-12489	490	8	:	:	PUNCT
ejif-12489	490	9	a	a	DET
ejif-12489	490	10	new	new	ADJ
ejif-12489	490	11	sustainability	sustainability	NOUN
ejif-12489	490	12	-	-	PUNCT
ejif-12489	490	13	based	base	VERB
ejif-12489	490	14	risk	risk	NOUN
ejif-12489	490	15	management	management	NOUN
ejif-12489	490	16	system	system	NOUN
ejif-12489	490	17	in	in	ADP
ejif-12489	490	18	uncertain	uncertain	ADJ
ejif-12489	490	19	times	time	NOUN
ejif-12489	490	20	.	.	PUNCT
ejif-12489	491	1	global	global	ADJ
ejif-12489	491	2	journal	journal	PROPN
ejif-12489	491	3	of	of	ADP
ejif-12489	491	4	flexible	flexible	ADJ
ejif-12489	491	5	systems	system	NOUN
ejif-12489	491	6	management	management	NOUN
ejif-12489	491	7	,	,	PUNCT
ejif-12489	491	8	22(2	22(2	NUM
ejif-12489	491	9	)	)	PUNCT
ejif-12489	491	10	,	,	PUNCT
ejif-12489	491	11	107–132	107–132	NUM
ejif-12489	491	12	.	.	PUNCT
ejif-12489	492	1	https://doi.org/10.1007/s40171-021-00277-7	https://doi.org/10.1007/s40171-021-00277-7	PROPN
ejif-12489	492	2	smolo	smolo	PROPN
ejif-12489	492	3	,	,	PUNCT
ejif-12489	492	4	e.	e.	PROPN
ejif-12489	492	5	,	,	PUNCT
ejif-12489	492	6	&	&	CCONJ
ejif-12489	492	7	ismail	ismail	PROPN
ejif-12489	492	8	,	,	PUNCT
ejif-12489	492	9	a.	a.	NOUN
ejif-12489	492	10	g.	g.	PROPN
ejif-12489	492	11	(	(	PUNCT
ejif-12489	492	12	2011	2011	NUM
ejif-12489	492	13	)	)	PUNCT
ejif-12489	492	14	.	.	PUNCT
ejif-12489	493	1	a	a	DET
ejif-12489	493	2	theory	theory	NOUN
ejif-12489	493	3	and	and	CCONJ
ejif-12489	493	4	contractual	contractual	ADJ
ejif-12489	493	5	framework	framework	NOUN
ejif-12489	493	6	of	of	ADP
ejif-12489	493	7	islamic	islamic	PROPN
ejif-12489	493	8	micro	micro	PROPN
ejif-12489	493	9	-	-	ADJ
ejif-12489	493	10	financial	financial	ADJ
ejif-12489	493	11	institutions	institution	NOUN
ejif-12489	493	12	’	'	PUNCT
ejif-12489	493	13	operations	operation	NOUN
ejif-12489	493	14	.	.	PUNCT
ejif-12489	494	1	journal	journal	NOUN
ejif-12489	494	2	of	of	ADP
ejif-12489	494	3	financial	financial	ADJ
ejif-12489	494	4	services	service	NOUN
ejif-12489	494	5	marketing	marketing	NOUN
ejif-12489	494	6	,	,	PUNCT
ejif-12489	494	7	15(4	15(4	NUM
ejif-12489	494	8	)	)	PUNCT
ejif-12489	494	9	,	,	PUNCT
ejif-12489	494	10	287–295	287–295	NUM
ejif-12489	494	11	.	.	PUNCT
ejif-12489	495	1	https://doi.org/10.1057/fsm.2010.24	https://doi.org/10.1057/fsm.2010.24	ADJ
ejif-12489	495	2	srairi	srairi	NOUN
ejif-12489	495	3	,	,	PUNCT
ejif-12489	495	4	s.	s.	PROPN
ejif-12489	495	5	(	(	PUNCT
ejif-12489	495	6	2025	2025	NUM
ejif-12489	495	7	)	)	PUNCT
ejif-12489	495	8	.	.	PUNCT
ejif-12489	496	1	the	the	DET
ejif-12489	496	2	risk	risk	NOUN
ejif-12489	496	3	governance	governance	NOUN
ejif-12489	496	4	paradox	paradox	NOUN
ejif-12489	496	5	in	in	ADP
ejif-12489	496	6	gcc	gcc	NOUN
ejif-12489	496	7	banks	bank	NOUN
ejif-12489	496	8	:	:	PUNCT
ejif-12489	496	9	unveiling	unveil	VERB
ejif-12489	496	10	the	the	DET
ejif-12489	496	11	roles	role	NOUN
ejif-12489	496	12	of	of	ADP
ejif-12489	496	13	risk	risk	NOUN
ejif-12489	496	14	disclosure	disclosure	NOUN
ejif-12489	496	15	and	and	CCONJ
ejif-12489	496	16	fintech	fintech	NOUN
ejif-12489	496	17	on	on	ADP
ejif-12489	496	18	performance	performance	NOUN
ejif-12489	496	19	for	for	ADP
ejif-12489	496	20	conventional	conventional	ADJ
ejif-12489	496	21	and	and	CCONJ
ejif-12489	496	22	islamic	islamic	ADJ
ejif-12489	496	23	banks	bank	NOUN
ejif-12489	496	24	.	.	PUNCT
ejif-12489	497	1	journal	journal	PROPN
ejif-12489	497	2	of	of	ADP
ejif-12489	497	3	financial	financial	ADJ
ejif-12489	497	4	reporting	reporting	NOUN
ejif-12489	497	5	and	and	CCONJ
ejif-12489	497	6	accounting	accounting	NOUN
ejif-12489	497	7	.	.	PUNCT
ejif-12489	498	1	https://doi.org/10.1108/jfra07-2024-0405	https://doi.org/10.1108/jfra07-2024-0405	PROPN
ejif-12489	498	2	wafi	wafi	PROPN
ejif-12489	498	3	,	,	PUNCT
ejif-12489	498	4	s.	s.	PROPN
ejif-12489	498	5	,	,	PUNCT
ejif-12489	498	6	&	&	CCONJ
ejif-12489	498	7	muhammad	muhammad	PROPN
ejif-12489	498	8	,	,	PUNCT
ejif-12489	498	9	h.	h.	PROPN
ejif-12489	498	10	(	(	PUNCT
ejif-12489	498	11	2023	2023	NUM
ejif-12489	498	12	)	)	PUNCT
ejif-12489	498	13	.	.	PUNCT
ejif-12489	499	1	risk	risk	NOUN
ejif-12489	499	2	management	management	NOUN
ejif-12489	499	3	of	of	ADP
ejif-12489	499	4	islamic	islamic	ADJ
ejif-12489	499	5	microfinance	microfinance	NOUN
ejif-12489	499	6	institutions	institution	NOUN
ejif-12489	499	7	:	:	PUNCT
ejif-12489	499	8	unique	unique	ADJ
ejif-12489	499	9	practices	practice	NOUN
ejif-12489	499	10	at	at	ADP
ejif-12489	499	11	crucial	crucial	ADJ
ejif-12489	499	12	risks	risk	NOUN
ejif-12489	499	13	.	.	PUNCT
ejif-12489	500	1	international	international	ADJ
ejif-12489	500	2	journal	journal	PROPN
ejif-12489	500	3	of	of	ADP
ejif-12489	500	4	business	business	PROPN
ejif-12489	500	5	ecosystem	ecosystem	NOUN
ejif-12489	500	6	&	&	CCONJ
ejif-12489	500	7	strategy	strategy	NOUN
ejif-12489	500	8	(	(	PUNCT
ejif-12489	500	9	2687	2687	NUM
ejif-12489	500	10	-	-	SYM
ejif-12489	500	11	2293	2293	NUM
ejif-12489	500	12	)	)	PUNCT
ejif-12489	500	13	,	,	PUNCT
ejif-12489	500	14	5(3	5(3	NUM
ejif-12489	500	15	)	)	PUNCT
ejif-12489	500	16	,	,	PUNCT
ejif-12489	500	17	42–50	42–50	NUM
ejif-12489	500	18	.	.	PUNCT
ejif-12489	501	1	https://doi.org/10.36096/ijbes.v5i3.417	https://doi.org/10.36096/ijbes.v5i3.417	PROPN
ejif-12489	501	2	wardiwiyono	wardiwiyono	PROPN
ejif-12489	501	3	,	,	PUNCT
ejif-12489	501	4	s.	s.	PROPN
ejif-12489	501	5	(	(	PUNCT
ejif-12489	501	6	2012	2012	NUM
ejif-12489	501	7	)	)	PUNCT
ejif-12489	501	8	.	.	PUNCT
ejif-12489	502	1	internal	internal	ADJ
ejif-12489	502	2	control	control	NOUN
ejif-12489	502	3	system	system	NOUN
ejif-12489	502	4	for	for	ADP
ejif-12489	502	5	islamic	islamic	PROPN
ejif-12489	502	6	micro	micro	PROPN
ejif-12489	502	7	financing	financing	PROPN
ejif-12489	502	8	:	:	PUNCT
ejif-12489	502	9	an	an	DET
ejif-12489	502	10	exploratory	exploratory	ADJ
ejif-12489	502	11	study	study	NOUN
ejif-12489	502	12	of	of	ADP
ejif-12489	502	13	baitul	baitul	NOUN
ejif-12489	502	14	maal	maal	NOUN
ejif-12489	502	15	wat	wat	AUX
ejif-12489	502	16	tamwil	tamwil	VERB
ejif-12489	502	17	in	in	ADP
ejif-12489	502	18	the	the	DET
ejif-12489	502	19	city	city	NOUN
ejif-12489	502	20	of	of	ADP
ejif-12489	502	21	yogyakarta	yogyakarta	PROPN
ejif-12489	502	22	indonesia	indonesia	PROPN
ejif-12489	502	23	.	.	PUNCT
ejif-12489	503	1	international	international	PROPN
ejif-12489	503	2	journal	journal	PROPN
ejif-12489	503	3	of	of	ADP
ejif-12489	503	4	islamic	islamic	ADJ
ejif-12489	503	5	and	and	CCONJ
ejif-12489	503	6	middle	middle	ADJ
ejif-12489	503	7	eastern	eastern	ADJ
ejif-12489	503	8	finance	finance	NOUN
ejif-12489	503	9	and	and	CCONJ
ejif-12489	503	10	management	management	NOUN
ejif-12489	503	11	,	,	PUNCT
ejif-12489	503	12	5(4	5(4	NUM
ejif-12489	503	13	)	)	PUNCT
ejif-12489	503	14	,	,	PUNCT
ejif-12489	503	15	340–352	340–352	NUM
ejif-12489	503	16	.	.	PUNCT
ejif-12489	504	1	https://doi.org/10.1108/17538391211282836	https://doi.org/10.1108/17538391211282836	PROPN
ejif-12489	504	2	wijaya	wijaya	PROPN
ejif-12489	504	3	,	,	PUNCT
ejif-12489	504	4	i.	i.	PROPN
ejif-12489	504	5	f.	f.	PROPN
ejif-12489	504	6	,	,	PUNCT
ejif-12489	504	7	hakim	hakim	PROPN
ejif-12489	504	8	,	,	PUNCT
ejif-12489	504	9	a.	a.	PROPN
ejif-12489	504	10	r.	r.	PROPN
ejif-12489	504	11	,	,	PUNCT
ejif-12489	504	12	saputro	saputro	VERB
ejif-12489	504	13	,	,	PUNCT
ejif-12489	504	14	n.	n.	NOUN
ejif-12489	504	15	,	,	PUNCT
ejif-12489	504	16	&	&	CCONJ
ejif-12489	504	17	mulyadi	mulyadi	PROPN
ejif-12489	504	18	,	,	PUNCT
ejif-12489	504	19	m.	m.	NOUN
ejif-12489	504	20	(	(	PUNCT
ejif-12489	504	21	2019	2019	NUM
ejif-12489	504	22	)	)	PUNCT
ejif-12489	504	23	.	.	PUNCT
ejif-12489	505	1	religiosity	religiosity	NOUN
ejif-12489	505	2	level	level	NOUN
ejif-12489	505	3	and	and	CCONJ
ejif-12489	505	4	saving	save	VERB
ejif-12489	505	5	decisions	decision	NOUN
ejif-12489	505	6	in	in	ADP
ejif-12489	505	7	baitul	baitul	NOUN
ejif-12489	505	8	maal	maal	NOUN
ejif-12489	505	9	wat	wat	AUX
ejif-12489	505	10	tamwil	tamwil	VERB
ejif-12489	505	11	:	:	PUNCT
ejif-12489	505	12	the	the	DET
ejif-12489	505	13	case	case	NOUN
ejif-12489	505	14	of	of	ADP
ejif-12489	505	15	indonesia	indonesia	PROPN
ejif-12489	505	16	.	.	PROPN
ejif-12489	506	1	journal	journal	PROPN
ejif-12489	506	2	of	of	ADP
ejif-12489	506	3	islamic	islamic	PROPN
ejif-12489	506	4	marketing	marketing	NOUN
ejif-12489	506	5	,	,	PUNCT
ejif-12489	506	6	11(6	11(6	NUM
ejif-12489	506	7	)	)	PUNCT
ejif-12489	506	8	,	,	PUNCT
ejif-12489	506	9	1465–1483	1465–1483	NUM
ejif-12489	506	10	.	.	PUNCT
ejif-12489	507	1	https://doi.org/10.1108/jima-092018-0160	https://doi.org/10.1108/jima-092018-0160	PROPN
ejif-12489	507	2	yin	yin	PROPN
ejif-12489	507	3	,	,	PUNCT
ejif-12489	507	4	r.	r.	PROPN
ejif-12489	507	5	k.	k.	PROPN
ejif-12489	507	6	(	(	PUNCT
ejif-12489	507	7	2014	2014	NUM
ejif-12489	507	8	)	)	PUNCT
ejif-12489	507	9	.	.	PUNCT
ejif-12489	508	1	case	case	NOUN
ejif-12489	508	2	study	study	NOUN
ejif-12489	508	3	research	research	NOUN
ejif-12489	508	4	:	:	PUNCT
ejif-12489	508	5	design	design	NOUN
ejif-12489	508	6	and	and	CCONJ
ejif-12489	508	7	methods	method	NOUN
ejif-12489	508	8	(	(	PUNCT
ejif-12489	508	9	fifth	fifth	ADJ
ejif-12489	508	10	edition	edition	NOUN
ejif-12489	508	11	)	)	PUNCT
ejif-12489	508	12	.	.	PUNCT
ejif-12489	509	1	sage	sage	NOUN
ejif-12489	509	2	.	.	PUNCT
ejif-12489	510	1	yurdakul	yurdakul	PROPN
ejif-12489	510	2	,	,	PUNCT
ejif-12489	510	3	f.	f.	PROPN
ejif-12489	510	4	(	(	PUNCT
ejif-12489	510	5	2014	2014	NUM
ejif-12489	510	6	)	)	PUNCT
ejif-12489	510	7	.	.	PUNCT
ejif-12489	511	1	macroeconomic	macroeconomic	ADJ
ejif-12489	511	2	modelling	modelling	NOUN
ejif-12489	511	3	of	of	ADP
ejif-12489	511	4	credit	credit	NOUN
ejif-12489	511	5	risk	risk	NOUN
ejif-12489	511	6	for	for	ADP
ejif-12489	511	7	banks	bank	NOUN
ejif-12489	511	8	.	.	PUNCT
ejif-12489	512	1	procedia	procedia	PROPN
ejif-12489	512	2	social	social	ADJ
ejif-12489	512	3	and	and	CCONJ
ejif-12489	512	4	behavioral	behavioral	ADJ
ejif-12489	512	5	sciences	science	NOUN
ejif-12489	512	6	,	,	PUNCT
ejif-12489	512	7	109	109	NUM
ejif-12489	512	8	,	,	PUNCT
ejif-12489	512	9	784–793	784–793	NUM
ejif-12489	512	10	.	.	PUNCT
ejif-12489	513	1	https://doi.org/10.1016/j.sbspro.2013.12.544	https://doi.org/10.1016/j.sbspro.2013.12.544	PROPN
ejif-12489	513	2	zahidmahmood	zahidmahmood	PROPN
ejif-12489	513	3	,	,	PUNCT
ejif-12489	513	4	h.	h.	PROPN
ejif-12489	513	5	,	,	PUNCT
ejif-12489	513	6	abbas	abbas	PROPN
ejif-12489	513	7	,	,	PUNCT
ejif-12489	513	8	k.	k.	PROPN
ejif-12489	513	9	,	,	PUNCT
ejif-12489	513	10	&	&	CCONJ
ejif-12489	513	11	fatima	fatima	PROPN
ejif-12489	513	12	,	,	PUNCT
ejif-12489	513	13	m.	m.	NOUN
ejif-12489	513	14	(	(	PUNCT
ejif-12489	513	15	2017	2017	NUM
ejif-12489	513	16	)	)	PUNCT
ejif-12489	513	17	.	.	PUNCT
ejif-12489	514	1	islamic	islamic	ADJ
ejif-12489	514	2	microfinance	microfinance	NOUN
ejif-12489	514	3	and	and	CCONJ
ejif-12489	514	4	household	household	NOUN
ejif-12489	514	5	welfare	welfare	NOUN
ejif-12489	514	6	nexus	nexus	NOUN
ejif-12489	514	7	:	:	PUNCT
ejif-12489	514	8	empirical	empirical	ADJ
ejif-12489	514	9	investigation	investigation	NOUN
ejif-12489	514	10	from	from	ADP
ejif-12489	514	11	pakistan	pakistan	PROPN
ejif-12489	514	12	.	.	PUNCT
ejif-12489	515	1	journal	journal	PROPN
ejif-12489	515	2	of	of	ADP
ejif-12489	515	3	global	global	ADJ
ejif-12489	515	4	entrepreneurship	entrepreneurship	NOUN
ejif-12489	515	5	research	research	NOUN
ejif-12489	515	6	,	,	PUNCT
ejif-12489	515	7	7(1	7(1	NUM
ejif-12489	515	8	)	)	PUNCT
ejif-12489	515	9	,	,	PUNCT
ejif-12489	515	10	18	18	NUM
ejif-12489	515	11	.	.	PUNCT
ejif-12489	516	1	https://doi.org/10.1186/s40497017-0075-1	https://doi.org/10.1186/s40497017-0075-1	NOUN