id	sid	tid	token	lemma	pos
ejif-1975	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	1	2	issn	issn	VERB
ejif-1975	1	3	2421	2421	NUM
ejif-1975	1	4	-	-	SYM
ejif-1975	1	5	2172	2172	NUM
ejif-1975	1	6	1	1	NUM
ejif-1975	1	7	input	input	NOUN
ejif-1975	1	8	efficiency	efficiency	NOUN
ejif-1975	1	9	of	of	ADP
ejif-1975	1	10	financial	financial	ADJ
ejif-1975	1	11	services	service	NOUN
ejif-1975	1	12	sector	sector	NOUN
ejif-1975	1	13	:	:	PUNCT
ejif-1975	1	14	a	a	DET
ejif-1975	1	15	non	non	ADJ
ejif-1975	1	16	-	-	ADJ
ejif-1975	1	17	parametric	parametric	ADJ
ejif-1975	1	18	analysis	analysis	NOUN
ejif-1975	1	19	of	of	ADP
ejif-1975	1	20	banking	banking	NOUN
ejif-1975	1	21	and	and	CCONJ
ejif-1975	1	22	insurance	insurance	NOUN
ejif-1975	1	23	sectors	sector	NOUN
ejif-1975	1	24	of	of	ADP
ejif-1975	1	25	pakistan	pakistan	PROPN
ejif-1975	1	26	asyed	asye	VERB
ejif-1975	1	27	alamdar	alamdar	PROPN
ejif-1975	1	28	ali	ali	PROPN
ejif-1975	1	29	shah	shah	PROPN
ejif-1975	1	30	,	,	PUNCT
ejif-1975	1	31	bprof.dr	bprof.dr	PROPN
ejif-1975	1	32	.	.	PUNCT
ejif-1975	2	1	omar	omar	PROPN
ejif-1975	2	2	masood	masood	PROPN
ejif-1975	2	3	ainternational	ainternational	PROPN
ejif-1975	2	4	centre	centre	PROPN
ejif-1975	2	5	for	for	ADP
ejif-1975	2	6	education	education	NOUN
ejif-1975	2	7	in	in	ADP
ejif-1975	2	8	islamic	islamic	ADJ
ejif-1975	2	9	finance(inceif	finance(inceif	PROPN
ejif-1975	2	10	)	)	PUNCT
ejif-1975	2	11	,	,	PUNCT
ejif-1975	2	12	malaysia	malaysia	PROPN
ejif-1975	2	13	;	;	PUNCT
ejif-1975	2	14	bchair	bchair	PROPN
ejif-1975	2	15	quaid	quaid	PROPN
ejif-1975	2	16	-	-	PUNCT
ejif-1975	2	17	e	e	PROPN
ejif-1975	2	18	-	-	PROPN
ejif-1975	2	19	azam	azam	ADJ
ejif-1975	2	20	school	school	NOUN
ejif-1975	2	21	of	of	ADP
ejif-1975	2	22	management	management	NOUN
ejif-1975	2	23	sciences	sciences	PROPN
ejif-1975	2	24	,	,	PUNCT
ejif-1975	2	25	pakistan	pakistan	PROPN
ejif-1975	2	26	abstract	abstract	NOUN
ejif-1975	2	27	—	—	PUNCT
ejif-1975	2	28	in	in	ADP
ejif-1975	2	29	an	an	DET
ejif-1975	2	30	attempt	attempt	NOUN
ejif-1975	2	31	to	to	PART
ejif-1975	2	32	enrich	enrich	VERB
ejif-1975	2	33	the	the	DET
ejif-1975	2	34	literature	literature	NOUN
ejif-1975	2	35	of	of	ADP
ejif-1975	2	36	the	the	DET
ejif-1975	2	37	efficiency	efficiency	NOUN
ejif-1975	2	38	of	of	ADP
ejif-1975	2	39	financial	financial	ADJ
ejif-1975	2	40	services	service	NOUN
ejif-1975	2	41	sector	sector	NOUN
ejif-1975	2	42	with	with	ADP
ejif-1975	2	43	holistic	holistic	ADJ
ejif-1975	2	44	perspective	perspective	NOUN
ejif-1975	2	45	,	,	PUNCT
ejif-1975	2	46	this	this	DET
ejif-1975	2	47	study	study	NOUN
ejif-1975	2	48	aims	aim	VERB
ejif-1975	2	49	to	to	PART
ejif-1975	2	50	empirically	empirically	ADV
ejif-1975	2	51	investigate	investigate	VERB
ejif-1975	2	52	the	the	DET
ejif-1975	2	53	input	input	NOUN
ejif-1975	2	54	efficiency	efficiency	NOUN
ejif-1975	2	55	of	of	ADP
ejif-1975	2	56	banking	banking	NOUN
ejif-1975	2	57	and	and	CCONJ
ejif-1975	2	58	insurance	insurance	NOUN
ejif-1975	2	59	sectors	sector	NOUN
ejif-1975	2	60	with	with	ADP
ejif-1975	2	61	further	further	ADJ
ejif-1975	2	62	probe	probe	NOUN
ejif-1975	2	63	into	into	ADP
ejif-1975	2	64	islamic	islamic	ADJ
ejif-1975	2	65	segments	segment	NOUN
ejif-1975	2	66	of	of	ADP
ejif-1975	2	67	these	these	DET
ejif-1975	2	68	sectors	sector	NOUN
ejif-1975	2	69	in	in	ADP
ejif-1975	2	70	pakistan	pakistan	PROPN
ejif-1975	2	71	.	.	PUNCT
ejif-1975	3	1	this	this	DET
ejif-1975	3	2	study	study	NOUN
ejif-1975	3	3	measures	measure	VERB
ejif-1975	3	4	the	the	DET
ejif-1975	3	5	technical	technical	ADJ
ejif-1975	3	6	,	,	PUNCT
ejif-1975	3	7	allocative	allocative	ADJ
ejif-1975	3	8	,	,	PUNCT
ejif-1975	3	9	cost	cost	NOUN
ejif-1975	3	10	,	,	PUNCT
ejif-1975	3	11	and	and	CCONJ
ejif-1975	3	12	scale	scale	NOUN
ejif-1975	3	13	efficiencies	efficiency	NOUN
ejif-1975	3	14	of	of	ADP
ejif-1975	3	15	banking	banking	NOUN
ejif-1975	3	16	and	and	CCONJ
ejif-1975	3	17	insurance	insurance	NOUN
ejif-1975	3	18	firms	firm	NOUN
ejif-1975	3	19	in	in	ADP
ejif-1975	3	20	our	our	PRON
ejif-1975	3	21	sample	sample	NOUN
ejif-1975	3	22	using	use	VERB
ejif-1975	3	23	the	the	DET
ejif-1975	3	24	non	non	ADJ
ejif-1975	3	25	-	-	ADJ
ejif-1975	3	26	parametric	parametric	ADJ
ejif-1975	3	27	frontier	frontier	NOUN
ejif-1975	3	28	method	method	NOUN
ejif-1975	3	29	,	,	PUNCT
ejif-1975	3	30	data	data	VERB
ejif-1975	3	31	envelopment	envelopment	ADJ
ejif-1975	3	32	analysis	analysis	NOUN
ejif-1975	3	33	(	(	PUNCT
ejif-1975	3	34	dea	dea	NOUN
ejif-1975	3	35	)	)	PUNCT
ejif-1975	3	36	.	.	PUNCT
ejif-1975	4	1	the	the	DET
ejif-1975	4	2	findings	finding	NOUN
ejif-1975	4	3	show	show	VERB
ejif-1975	4	4	that	that	SCONJ
ejif-1975	4	5	,	,	PUNCT
ejif-1975	4	6	on	on	ADP
ejif-1975	4	7	average	average	ADJ
ejif-1975	4	8	,	,	PUNCT
ejif-1975	4	9	the	the	DET
ejif-1975	4	10	allocative	allocative	ADJ
ejif-1975	4	11	efficiency	efficiency	NOUN
ejif-1975	4	12	of	of	ADP
ejif-1975	4	13	the	the	DET
ejif-1975	4	14	overall	overall	ADJ
ejif-1975	4	15	islamic	islamic	ADJ
ejif-1975	4	16	financial	financial	ADJ
ejif-1975	4	17	services	service	NOUN
ejif-1975	4	18	sector	sector	NOUN
ejif-1975	4	19	has	have	AUX
ejif-1975	4	20	increased	increase	VERB
ejif-1975	4	21	during	during	ADP
ejif-1975	4	22	the	the	DET
ejif-1975	4	23	period	period	NOUN
ejif-1975	4	24	of	of	ADP
ejif-1975	4	25	study	study	NOUN
ejif-1975	4	26	and	and	CCONJ
ejif-1975	4	27	has	have	AUX
ejif-1975	4	28	also	also	ADV
ejif-1975	4	29	remained	remain	VERB
ejif-1975	4	30	well	well	ADV
ejif-1975	4	31	above	above	ADP
ejif-1975	4	32	their	their	PRON
ejif-1975	4	33	conventional	conventional	ADJ
ejif-1975	4	34	counterparts	counterpart	NOUN
ejif-1975	4	35	.	.	PUNCT
ejif-1975	5	1	the	the	DET
ejif-1975	5	2	study	study	NOUN
ejif-1975	5	3	also	also	ADV
ejif-1975	5	4	revealed	reveal	VERB
ejif-1975	5	5	that	that	SCONJ
ejif-1975	5	6	,	,	PUNCT
ejif-1975	5	7	insurance	insurance	NOUN
ejif-1975	5	8	sector	sector	NOUN
ejif-1975	5	9	is	be	AUX
ejif-1975	5	10	more	more	ADV
ejif-1975	5	11	technically	technically	ADV
ejif-1975	5	12	efficient	efficient	ADJ
ejif-1975	5	13	than	than	ADP
ejif-1975	5	14	banking	banking	NOUN
ejif-1975	5	15	sector	sector	NOUN
ejif-1975	5	16	.	.	PUNCT
ejif-1975	6	1	finally	finally	ADV
ejif-1975	6	2	,	,	PUNCT
ejif-1975	6	3	the	the	DET
ejif-1975	6	4	study	study	NOUN
ejif-1975	6	5	also	also	ADV
ejif-1975	6	6	found	find	VERB
ejif-1975	6	7	that	that	SCONJ
ejif-1975	6	8	overall	overall	ADJ
ejif-1975	6	9	efficiency	efficiency	NOUN
ejif-1975	6	10	of	of	ADP
ejif-1975	6	11	financial	financial	ADJ
ejif-1975	6	12	sector	sector	NOUN
ejif-1975	6	13	can	can	AUX
ejif-1975	6	14	also	also	ADV
ejif-1975	6	15	be	be	AUX
ejif-1975	6	16	improved	improve	VERB
ejif-1975	6	17	by	by	ADP
ejif-1975	6	18	exchanging	exchange	VERB
ejif-1975	6	19	experts	expert	NOUN
ejif-1975	6	20	between	between	ADP
ejif-1975	6	21	two	two	NUM
ejif-1975	6	22	sectors	sector	NOUN
ejif-1975	6	23	.	.	PUNCT
ejif-1975	7	1	the	the	DET
ejif-1975	7	2	results	result	NOUN
ejif-1975	7	3	of	of	ADP
ejif-1975	7	4	this	this	DET
ejif-1975	7	5	research	research	NOUN
ejif-1975	7	6	study	study	NOUN
ejif-1975	7	7	provide	provide	VERB
ejif-1975	7	8	empirical	empirical	ADJ
ejif-1975	7	9	findings	finding	NOUN
ejif-1975	7	10	as	as	ADP
ejif-1975	7	11	to	to	ADP
ejif-1975	7	12	how	how	SCONJ
ejif-1975	7	13	two	two	NUM
ejif-1975	7	14	segments	segment	NOUN
ejif-1975	7	15	of	of	ADP
ejif-1975	7	16	financial	financial	ADJ
ejif-1975	7	17	services	service	NOUN
ejif-1975	7	18	sectors	sector	NOUN
ejif-1975	7	19	had	have	AUX
ejif-1975	7	20	fared	fare	VERB
ejif-1975	7	21	in	in	ADP
ejif-1975	7	22	the	the	DET
ejif-1975	7	23	competitive	competitive	ADJ
ejif-1975	7	24	environment	environment	NOUN
ejif-1975	7	25	from	from	ADP
ejif-1975	7	26	2007	2007	NUM
ejif-1975	7	27	to	to	ADP
ejif-1975	7	28	2015	2015	NUM
ejif-1975	7	29	.	.	PUNCT
ejif-1975	8	1	key	key	ADJ
ejif-1975	8	2	words	word	NOUN
ejif-1975	8	3	:	:	PUNCT
ejif-1975	8	4	input	input	NOUN
ejif-1975	8	5	efficiencies	efficiency	NOUN
ejif-1975	8	6	,	,	PUNCT
ejif-1975	8	7	banking	banking	NOUN
ejif-1975	8	8	,	,	PUNCT
ejif-1975	8	9	insurance	insurance	NOUN
ejif-1975	8	10	,	,	PUNCT
ejif-1975	8	11	dea	dea	NOUN
ejif-1975	8	12	,	,	PUNCT
ejif-1975	8	13	financial	financial	ADJ
ejif-1975	8	14	sector	sector	NOUN
ejif-1975	8	15	jel	jel	PROPN
ejif-1975	8	16	classification	classification	PROPN
ejif-1975	8	17	:	:	PUNCT
ejif-1975	8	18	g21	g21	PROPN
ejif-1975	8	19	;	;	PUNCT
ejif-1975	8	20	g22	g22	NOUN
ejif-1975	8	21	;	;	PUNCT
ejif-1975	8	22	g32	g32	NOUN
ejif-1975	8	23	;	;	PUNCT
ejif-1975	8	24	l25	l25	NOUN
ejif-1975	8	25	i.	i.	NOUN
ejif-1975	8	26	introduction	introduction	NOUN
ejif-1975	8	27	since	since	SCONJ
ejif-1975	8	28	global	global	ADJ
ejif-1975	8	29	crisis	crisis	NOUN
ejif-1975	8	30	2008	2008	NUM
ejif-1975	8	31	,	,	PUNCT
ejif-1975	8	32	introduction	introduction	NOUN
ejif-1975	8	33	of	of	ADP
ejif-1975	8	34	new	new	ADJ
ejif-1975	8	35	basel	basel	PROPN
ejif-1975	8	36	based	base	VERB
ejif-1975	8	37	capital	capital	NOUN
ejif-1975	8	38	rules	rule	NOUN
ejif-1975	8	39	and	and	CCONJ
ejif-1975	8	40	increased	increase	VERB
ejif-1975	8	41	islamisation	islamisation	NOUN
ejif-1975	8	42	has	have	AUX
ejif-1975	8	43	made	make	VERB
ejif-1975	8	44	financial	financial	ADJ
ejif-1975	8	45	services	service	NOUN
ejif-1975	8	46	sector	sector	NOUN
ejif-1975	8	47	face	face	VERB
ejif-1975	8	48	continuous	continuous	ADJ
ejif-1975	8	49	challenges	challenge	NOUN
ejif-1975	8	50	all	all	ADV
ejif-1975	8	51	over	over	ADP
ejif-1975	8	52	the	the	DET
ejif-1975	8	53	world	world	NOUN
ejif-1975	9	1	[	[	X
ejif-1975	9	2	18	18	NUM
ejif-1975	9	3	]	]	PUNCT
ejif-1975	9	4	.	.	PUNCT
ejif-1975	10	1	regulatory	regulatory	ADJ
ejif-1975	10	2	authorities	authority	NOUN
ejif-1975	10	3	have	have	AUX
ejif-1975	10	4	introduced	introduce	VERB
ejif-1975	10	5	new	new	ADJ
ejif-1975	10	6	regulations	regulation	NOUN
ejif-1975	10	7	to	to	PART
ejif-1975	10	8	improve	improve	VERB
ejif-1975	10	9	their	their	PRON
ejif-1975	10	10	performance	performance	NOUN
ejif-1975	10	11	and	and	CCONJ
ejif-1975	10	12	resilience	resilience	NOUN
ejif-1975	10	13	to	to	PART
ejif-1975	10	14	guard	guard	VERB
ejif-1975	10	15	against	against	ADP
ejif-1975	10	16	capital	capital	NOUN
ejif-1975	10	17	impairment	impairment	NOUN
ejif-1975	10	18	.	.	PUNCT
ejif-1975	11	1	among	among	ADP
ejif-1975	11	2	many	many	ADJ
ejif-1975	11	3	measures	measure	NOUN
ejif-1975	11	4	taken	take	VERB
ejif-1975	11	5	to	to	PART
ejif-1975	11	6	improve	improve	VERB
ejif-1975	11	7	the	the	DET
ejif-1975	11	8	resilience	resilience	NOUN
ejif-1975	11	9	of	of	ADP
ejif-1975	11	10	financial	financial	ADJ
ejif-1975	11	11	services	service	NOUN
ejif-1975	11	12	providing	provide	VERB
ejif-1975	11	13	institutions	institution	NOUN
ejif-1975	11	14	the	the	DET
ejif-1975	11	15	ability	ability	NOUN
ejif-1975	11	16	of	of	ADP
ejif-1975	11	17	the	the	DET
ejif-1975	11	18	respective	respective	ADJ
ejif-1975	11	19	financial	financial	ADJ
ejif-1975	11	20	services	service	NOUN
ejif-1975	11	21	providing	provide	VERB
ejif-1975	11	22	institutions	institution	NOUN
ejif-1975	11	23	to	to	PART
ejif-1975	11	24	utilize	utilize	VERB
ejif-1975	11	25	their	their	PRON
ejif-1975	11	26	input	input	NOUN
ejif-1975	11	27	resources	resource	NOUN
ejif-1975	11	28	has	have	AUX
ejif-1975	11	29	always	always	ADV
ejif-1975	11	30	been	be	AUX
ejif-1975	11	31	a	a	DET
ejif-1975	11	32	question	question	NOUN
ejif-1975	11	33	.	.	PUNCT
ejif-1975	12	1	there	there	PRON
ejif-1975	12	2	are	be	VERB
ejif-1975	12	3	two	two	NUM
ejif-1975	12	4	types	type	NOUN
ejif-1975	12	5	of	of	ADP
ejif-1975	12	6	financial	financial	ADJ
ejif-1975	12	7	services	service	NOUN
ejif-1975	12	8	sectors	sector	NOUN
ejif-1975	12	9	that	that	PRON
ejif-1975	12	10	are	be	AUX
ejif-1975	12	11	functioning	function	VERB
ejif-1975	12	12	around	around	ADP
ejif-1975	12	13	the	the	DET
ejif-1975	12	14	globe	globe	NOUN
ejif-1975	12	15	at	at	ADP
ejif-1975	12	16	present	present	ADJ
ejif-1975	12	17	namely	namely	ADV
ejif-1975	12	18	islamic	islamic	ADJ
ejif-1975	12	19	and	and	CCONJ
ejif-1975	12	20	conventional	conventional	ADJ
ejif-1975	12	21	.	.	PUNCT
ejif-1975	13	1	with	with	ADP
ejif-1975	13	2	the	the	DET
ejif-1975	13	3	rise	rise	NOUN
ejif-1975	13	4	of	of	ADP
ejif-1975	13	5	islamic	islamic	ADJ
ejif-1975	13	6	nature	nature	NOUN
ejif-1975	13	7	of	of	ADP
ejif-1975	13	8	financial	financial	ADJ
ejif-1975	13	9	services	service	NOUN
ejif-1975	13	10	the	the	DET
ejif-1975	13	11	competition	competition	NOUN
ejif-1975	13	12	for	for	ADP
ejif-1975	13	13	conventional	conventional	ADJ
ejif-1975	13	14	segment	segment	NOUN
ejif-1975	13	15	for	for	ADP
ejif-1975	13	16	market	market	NOUN
ejif-1975	13	17	share	share	NOUN
ejif-1975	13	18	has	have	AUX
ejif-1975	13	19	increased	increase	VERB
ejif-1975	13	20	manifold	manifold	ADJ
ejif-1975	13	21	which	which	PRON
ejif-1975	13	22	is	be	AUX
ejif-1975	13	23	leading	lead	VERB
ejif-1975	13	24	both	both	CCONJ
ejif-1975	13	25	these	these	DET
ejif-1975	13	26	financial	financial	ADJ
ejif-1975	13	27	services	service	NOUN
ejif-1975	13	28	sectors	sector	NOUN
ejif-1975	13	29	to	to	PART
ejif-1975	13	30	compete	compete	VERB
ejif-1975	13	31	for	for	ADP
ejif-1975	13	32	better	well	ADJ
ejif-1975	13	33	input	input	NOUN
ejif-1975	13	34	and	and	CCONJ
ejif-1975	13	35	output	output	NOUN
ejif-1975	13	36	efficiencies	efficiency	NOUN
ejif-1975	13	37	.	.	PUNCT
ejif-1975	14	1	the	the	DET
ejif-1975	14	2	studies	study	NOUN
ejif-1975	14	3	have	have	AUX
ejif-1975	14	4	shown	show	VERB
ejif-1975	14	5	that	that	SCONJ
ejif-1975	14	6	long	long	ADJ
ejif-1975	14	7	term	term	NOUN
ejif-1975	14	8	share	share	NOUN
ejif-1975	14	9	and	and	CCONJ
ejif-1975	14	10	value	value	NOUN
ejif-1975	14	11	addition	addition	NOUN
ejif-1975	14	12	is	be	AUX
ejif-1975	14	13	highly	highly	ADV
ejif-1975	14	14	dependent	dependent	ADJ
ejif-1975	14	15	upon	upon	SCONJ
ejif-1975	14	16	various	various	ADJ
ejif-1975	14	17	efficiencies	efficiency	NOUN
ejif-1975	14	18	[	[	X
ejif-1975	14	19	4	4	NUM
ejif-1975	14	20	]	]	PUNCT
ejif-1975	14	21	.	.	PUNCT
ejif-1975	15	1	conventional	conventional	ADJ
ejif-1975	15	2	financial	financial	ADJ
ejif-1975	15	3	services	service	NOUN
ejif-1975	15	4	sector	sector	NOUN
ejif-1975	15	5	has	have	VERB
ejif-1975	15	6	long	long	ADJ
ejif-1975	15	7	roots	root	NOUN
ejif-1975	15	8	and	and	CCONJ
ejif-1975	15	9	therefore	therefore	ADV
ejif-1975	15	10	enjoys	enjoy	VERB
ejif-1975	15	11	expertise	expertise	NOUN
ejif-1975	15	12	to	to	PART
ejif-1975	15	13	run	run	VERB
ejif-1975	15	14	their	their	PRON
ejif-1975	15	15	systems	system	NOUN
ejif-1975	15	16	;	;	PUNCT
ejif-1975	15	17	however	however	ADV
ejif-1975	15	18	their	their	PRON
ejif-1975	15	19	islamic	islamic	ADJ
ejif-1975	15	20	counterparts	counterpart	NOUN
ejif-1975	15	21	are	be	AUX
ejif-1975	15	22	underprivileged	underprivileged	ADJ
ejif-1975	15	23	somewhat	somewhat	ADV
ejif-1975	15	24	in	in	ADP
ejif-1975	15	25	this	this	DET
ejif-1975	15	26	regard	regard	NOUN
ejif-1975	15	27	.	.	PUNCT
ejif-1975	16	1	besides	besides	SCONJ
ejif-1975	16	2	this	this	DET
ejif-1975	16	3	handicap	handicap	NOUN
ejif-1975	16	4	many	many	ADJ
ejif-1975	16	5	studies	study	NOUN
ejif-1975	16	6	have	have	AUX
ejif-1975	16	7	shown	show	VERB
ejif-1975	16	8	that	that	SCONJ
ejif-1975	16	9	islamic	islamic	ADJ
ejif-1975	16	10	financial	financial	ADJ
ejif-1975	16	11	institutions	institution	NOUN
ejif-1975	16	12	have	have	AUX
ejif-1975	16	13	achieved	achieve	VERB
ejif-1975	16	14	better	well	ADJ
ejif-1975	16	15	efficiencies	efficiency	NOUN
ejif-1975	16	16	in	in	ADP
ejif-1975	16	17	many	many	ADJ
ejif-1975	16	18	segments	segment	NOUN
ejif-1975	17	1	[	[	X
ejif-1975	17	2	15,20	15,20	NUM
ejif-1975	17	3	]	]	PUNCT
ejif-1975	17	4	.	.	PUNCT
ejif-1975	18	1	studies	study	NOUN
ejif-1975	18	2	undertaken	undertake	VERB
ejif-1975	18	3	so	so	ADV
ejif-1975	18	4	far	far	ADV
ejif-1975	18	5	have	have	AUX
ejif-1975	18	6	been	be	AUX
ejif-1975	18	7	independently	independently	ADV
ejif-1975	18	8	for	for	ADP
ejif-1975	18	9	various	various	ADJ
ejif-1975	18	10	segments	segment	NOUN
ejif-1975	18	11	of	of	ADP
ejif-1975	18	12	financial	financial	ADJ
ejif-1975	18	13	services	service	NOUN
ejif-1975	18	14	sectors	sector	NOUN
ejif-1975	18	15	,	,	PUNCT
ejif-1975	18	16	for	for	ADP
ejif-1975	18	17	instance	instance	NOUN
ejif-1975	18	18	,	,	PUNCT
ejif-1975	18	19	for	for	ADP
ejif-1975	18	20	banking	banking	NOUN
ejif-1975	18	21	sector	sector	NOUN
ejif-1975	18	22	alone	alone	ADV
ejif-1975	18	23	and	and	CCONJ
ejif-1975	18	24	for	for	ADP
ejif-1975	18	25	insurance	insurance	NOUN
ejif-1975	18	26	sector	sector	NOUN
ejif-1975	18	27	alone	alone	ADV
ejif-1975	18	28	.	.	PUNCT
ejif-1975	19	1	therefore	therefore	ADV
ejif-1975	19	2	it	it	PRON
ejif-1975	19	3	is	be	AUX
ejif-1975	19	4	quite	quite	ADV
ejif-1975	19	5	necessary	necessary	ADJ
ejif-1975	19	6	to	to	PART
ejif-1975	19	7	fill	fill	VERB
ejif-1975	19	8	in	in	ADP
ejif-1975	19	9	the	the	DET
ejif-1975	19	10	gap	gap	NOUN
ejif-1975	19	11	of	of	ADP
ejif-1975	19	12	analyzing	analyze	VERB
ejif-1975	19	13	the	the	DET
ejif-1975	19	14	performance	performance	NOUN
ejif-1975	19	15	of	of	ADP
ejif-1975	19	16	financial	financial	ADJ
ejif-1975	19	17	sector	sector	NOUN
ejif-1975	19	18	as	as	ADP
ejif-1975	19	19	a	a	DET
ejif-1975	19	20	whole	whole	NOUN
ejif-1975	19	21	.	.	PUNCT
ejif-1975	20	1	following	follow	VERB
ejif-1975	20	2	the	the	DET
ejif-1975	20	3	same	same	ADJ
ejif-1975	20	4	trend	trend	NOUN
ejif-1975	20	5	there	there	PRON
ejif-1975	20	6	is	be	VERB
ejif-1975	20	7	also	also	ADV
ejif-1975	20	8	a	a	DET
ejif-1975	20	9	need	need	NOUN
ejif-1975	20	10	to	to	PART
ejif-1975	20	11	analyze	analyze	VERB
ejif-1975	20	12	the	the	DET
ejif-1975	20	13	efficiency	efficiency	NOUN
ejif-1975	20	14	of	of	ADP
ejif-1975	20	15	financial	financial	ADJ
ejif-1975	20	16	services	service	NOUN
ejif-1975	20	17	firms	firm	NOUN
ejif-1975	20	18	functioning	function	VERB
ejif-1975	20	19	in	in	ADP
ejif-1975	20	20	pakistan	pakistan	PROPN
ejif-1975	20	21	because	because	SCONJ
ejif-1975	20	22	like	like	ADP
ejif-1975	20	23	other	other	ADJ
ejif-1975	20	24	parts	part	NOUN
ejif-1975	20	25	of	of	ADP
ejif-1975	20	26	the	the	DET
ejif-1975	20	27	world	world	NOUN
ejif-1975	20	28	efficiency	efficiency	NOUN
ejif-1975	20	29	analysis	analysis	NOUN
ejif-1975	20	30	using	use	VERB
ejif-1975	20	31	dea	dea	NOUN
ejif-1975	20	32	technique	technique	NOUN
ejif-1975	20	33	has	have	AUX
ejif-1975	20	34	been	be	AUX
ejif-1975	20	35	conducted	conduct	VERB
ejif-1975	20	36	in	in	ADP
ejif-1975	20	37	pakistan	pakistan	PROPN
ejif-1975	20	38	accounting	accounting	NOUN
ejif-1975	20	39	for	for	ADP
ejif-1975	20	40	only	only	ADJ
ejif-1975	20	41	banking	banking	NOUN
ejif-1975	20	42	and	and	CCONJ
ejif-1975	20	43	insurance	insurance	NOUN
ejif-1975	20	44	sectors	sector	NOUN
ejif-1975	20	45	individually	individually	ADV
ejif-1975	20	46	,	,	PUNCT
ejif-1975	20	47	not	not	PART
ejif-1975	20	48	taking	take	VERB
ejif-1975	20	49	them	they	PRON
ejif-1975	20	50	collectively	collectively	ADV
ejif-1975	20	51	as	as	ADP
ejif-1975	20	52	a	a	DET
ejif-1975	20	53	single	single	ADJ
ejif-1975	20	54	financial	financial	ADJ
ejif-1975	20	55	services	service	NOUN
ejif-1975	20	56	sector	sector	NOUN
ejif-1975	20	57	.	.	PUNCT
ejif-1975	21	1	this	this	PRON
ejif-1975	21	2	is	be	AUX
ejif-1975	21	3	the	the	DET
ejif-1975	21	4	gap	gap	NOUN
ejif-1975	21	5	that	that	PRON
ejif-1975	21	6	present	present	ADJ
ejif-1975	21	7	study	study	NOUN
ejif-1975	21	8	addresses	address	NOUN
ejif-1975	21	9	by	by	ADP
ejif-1975	21	10	taking	take	VERB
ejif-1975	21	11	data	datum	NOUN
ejif-1975	21	12	of	of	ADP
ejif-1975	21	13	pakistani	pakistani	ADJ
ejif-1975	21	14	banking	banking	NOUN
ejif-1975	21	15	and	and	CCONJ
ejif-1975	21	16	insurance	insurance	NOUN
ejif-1975	21	17	companies	company	NOUN
ejif-1975	21	18	from	from	ADP
ejif-1975	21	19	2007	2007	NUM
ejif-1975	21	20	-	-	SYM
ejif-1975	21	21	2015	2015	NUM
ejif-1975	21	22	with	with	ADP
ejif-1975	21	23	panel	panel	NOUN
ejif-1975	21	24	based	base	VERB
ejif-1975	21	25	comparative	comparative	ADJ
ejif-1975	21	26	analysis	analysis	NOUN
ejif-1975	21	27	further	far	ADV
ejif-1975	21	28	decomposing	decompose	VERB
ejif-1975	21	29	the	the	DET
ejif-1975	21	30	financial	financial	ADJ
ejif-1975	21	31	services	service	NOUN
ejif-1975	21	32	sectors	sector	NOUN
ejif-1975	21	33	further	far	ADV
ejif-1975	21	34	into	into	ADP
ejif-1975	21	35	conventional	conventional	ADJ
ejif-1975	21	36	and	and	CCONJ
ejif-1975	21	37	islamic	islamic	ADJ
ejif-1975	21	38	.	.	PUNCT
ejif-1975	22	1	taking	take	VERB
ejif-1975	22	2	an	an	DET
ejif-1975	22	3	account	account	NOUN
ejif-1975	22	4	of	of	ADP
ejif-1975	22	5	financial	financial	ADJ
ejif-1975	22	6	services	service	NOUN
ejif-1975	22	7	with	with	ADP
ejif-1975	22	8	holistic	holistic	ADJ
ejif-1975	22	9	perspective	perspective	NOUN
ejif-1975	22	10	is	be	AUX
ejif-1975	22	11	important	important	ADJ
ejif-1975	22	12	because	because	SCONJ
ejif-1975	22	13	international	international	ADJ
ejif-1975	22	14	investors	investor	NOUN
ejif-1975	22	15	,	,	PUNCT
ejif-1975	22	16	global	global	ADJ
ejif-1975	22	17	financial	financial	ADJ
ejif-1975	22	18	institutions	institution	NOUN
ejif-1975	22	19	and	and	CCONJ
ejif-1975	22	20	policy	policy	NOUN
ejif-1975	22	21	makers	maker	NOUN
ejif-1975	22	22	all	all	PRON
ejif-1975	22	23	make	make	VERB
ejif-1975	22	24	efficiency	efficiency	NOUN
ejif-1975	22	25	based	base	VERB
ejif-1975	22	26	decisions	decision	NOUN
ejif-1975	22	27	.	.	PUNCT
ejif-1975	23	1	the	the	DET
ejif-1975	23	2	primary	primary	ADJ
ejif-1975	23	3	objective	objective	NOUN
ejif-1975	23	4	of	of	ADP
ejif-1975	23	5	our	our	PRON
ejif-1975	23	6	study	study	NOUN
ejif-1975	23	7	is	be	AUX
ejif-1975	23	8	therefore	therefore	ADV
ejif-1975	23	9	to	to	PART
ejif-1975	23	10	examine	examine	VERB
ejif-1975	23	11	the	the	DET
ejif-1975	23	12	input	input	NOUN
ejif-1975	23	13	efficiency	efficiency	NOUN
ejif-1975	23	14	of	of	ADP
ejif-1975	23	15	banking	banking	NOUN
ejif-1975	23	16	and	and	CCONJ
ejif-1975	23	17	insurance	insurance	NOUN
ejif-1975	23	18	sector	sector	NOUN
ejif-1975	23	19	by	by	ADP
ejif-1975	23	20	evaluating	evaluate	VERB
ejif-1975	23	21	technical	technical	ADJ
ejif-1975	23	22	,	,	PUNCT
ejif-1975	23	23	allocative	allocative	ADJ
ejif-1975	23	24	,	,	PUNCT
ejif-1975	23	25	scale	scale	NOUN
ejif-1975	23	26	and	and	CCONJ
ejif-1975	23	27	cost	cost	NOUN
ejif-1975	23	28	efficiencies	efficiency	NOUN
ejif-1975	23	29	using	use	VERB
ejif-1975	23	30	data	datum	NOUN
ejif-1975	23	31	envelopment	envelopment	ADJ
ejif-1975	23	32	analysis	analysis	NOUN
ejif-1975	23	33	(	(	PUNCT
ejif-1975	23	34	dea	dea	NOUN
ejif-1975	23	35	)	)	PUNCT
ejif-1975	23	36	by	by	ADP
ejif-1975	23	37	taking	take	VERB
ejif-1975	23	38	data	datum	NOUN
ejif-1975	23	39	from	from	ADP
ejif-1975	23	40	the	the	DET
ejif-1975	23	41	period	period	NOUN
ejif-1975	23	42	2007	2007	NUM
ejif-1975	23	43	-	-	SYM
ejif-1975	23	44	2015	2015	NUM
ejif-1975	23	45	and	and	CCONJ
ejif-1975	23	46	also	also	ADV
ejif-1975	23	47	to	to	PART
ejif-1975	23	48	find	find	VERB
ejif-1975	23	49	any	any	DET
ejif-1975	23	50	difference	difference	NOUN
ejif-1975	23	51	of	of	ADP
ejif-1975	23	52	efficiency	efficiency	NOUN
ejif-1975	23	53	in	in	ADP
ejif-1975	23	54	islamic	islamic	ADJ
ejif-1975	23	55	and	and	CCONJ
ejif-1975	23	56	conventional	conventional	ADJ
ejif-1975	23	57	segments	segment	NOUN
ejif-1975	23	58	of	of	ADP
ejif-1975	23	59	these	these	DET
ejif-1975	23	60	sectors	sector	NOUN
ejif-1975	23	61	.	.	PUNCT
ejif-1975	24	1	the	the	DET
ejif-1975	24	2	remainder	remainder	NOUN
ejif-1975	24	3	of	of	ADP
ejif-1975	24	4	the	the	DET
ejif-1975	24	5	paper	paper	NOUN
ejif-1975	24	6	consists	consist	VERB
ejif-1975	24	7	of	of	ADP
ejif-1975	24	8	following	follow	VERB
ejif-1975	24	9	sections	section	NOUN
ejif-1975	24	10	;	;	PUNCT
ejif-1975	24	11	section	section	NOUN
ejif-1975	24	12	2	2	NUM
ejif-1975	24	13	consists	consist	VERB
ejif-1975	24	14	of	of	ADP
ejif-1975	24	15	literature	literature	NOUN
ejif-1975	24	16	review	review	NOUN
ejif-1975	24	17	;	;	PUNCT
ejif-1975	24	18	section	section	NOUN
ejif-1975	24	19	3	3	NUM
ejif-1975	24	20	consists	consist	VERB
ejif-1975	24	21	of	of	ADP
ejif-1975	24	22	methodology	methodology	NOUN
ejif-1975	24	23	;	;	PUNCT
ejif-1975	24	24	section	section	NOUN
ejif-1975	24	25	4	4	NUM
ejif-1975	24	26	consists	consist	VERB
ejif-1975	24	27	of	of	ADP
ejif-1975	24	28	results	result	NOUN
ejif-1975	24	29	and	and	CCONJ
ejif-1975	24	30	discussion	discussion	NOUN
ejif-1975	24	31	and	and	CCONJ
ejif-1975	24	32	section	section	NOUN
ejif-1975	24	33	5	5	NUM
ejif-1975	24	34	is	be	AUX
ejif-1975	24	35	the	the	DET
ejif-1975	24	36	conclusion	conclusion	NOUN
ejif-1975	24	37	.	.	PUNCT
ejif-1975	25	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	25	2	ejif	ejif	PROPN
ejif-1975	25	3	–	–	PUNCT
ejif-1975	25	4	european	european	PROPN
ejif-1975	25	5	journal	journal	PROPN
ejif-1975	25	6	of	of	ADP
ejif-1975	25	7	islamic	islamic	PROPN
ejif-1975	25	8	finance	finance	PROPN
ejif-1975	25	9	no	no	DET
ejif-1975	25	10	6	6	NUM
ejif-1975	25	11	,	,	PUNCT
ejif-1975	25	12	feb	feb	X
ejif-1975	25	13	(	(	PUNCT
ejif-1975	25	14	2017	2017	NUM
ejif-1975	25	15	)	)	PUNCT
ejif-1975	26	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	26	2	issn	issn	VERB
ejif-1975	26	3	2421	2421	NUM
ejif-1975	26	4	-	-	SYM
ejif-1975	26	5	2172	2172	NUM
ejif-1975	26	6	2	2	NUM
ejif-1975	26	7	ii	ii	NOUN
ejif-1975	26	8	.	.	PUNCT
ejif-1975	27	1	literature	literature	PROPN
ejif-1975	27	2	review	review	VERB
ejif-1975	27	3	a.	a.	NOUN
ejif-1975	27	4	literature	literature	PROPN
ejif-1975	27	5	review	review	PROPN
ejif-1975	27	6	for	for	ADP
ejif-1975	27	7	insurance	insurance	NOUN
ejif-1975	27	8	sector	sector	NOUN
ejif-1975	27	9	efficiency	efficiency	NOUN
ejif-1975	27	10	performing	perform	VERB
ejif-1975	27	11	research	research	NOUN
ejif-1975	27	12	on	on	ADP
ejif-1975	27	13	insurance	insurance	NOUN
ejif-1975	27	14	the	the	DET
ejif-1975	27	15	studies	study	NOUN
ejif-1975	27	16	from	from	ADP
ejif-1975	27	17	the	the	DET
ejif-1975	27	18	west	west	NOUN
ejif-1975	27	19	including	include	VERB
ejif-1975	27	20	usa	usa	PROPN
ejif-1975	27	21	concentrate	concentrate	NOUN
ejif-1975	27	22	on	on	ADP
ejif-1975	27	23	conventional	conventional	ADJ
ejif-1975	27	24	segment	segment	NOUN
ejif-1975	27	25	[	[	X
ejif-1975	27	26	12	12	NUM
ejif-1975	27	27	]	]	PUNCT
ejif-1975	27	28	.	.	PUNCT
ejif-1975	28	1	studies	study	NOUN
ejif-1975	28	2	in	in	ADP
ejif-1975	28	3	europe	europe	PROPN
ejif-1975	28	4	about	about	ADP
ejif-1975	28	5	insurance	insurance	NOUN
ejif-1975	28	6	efficiency	efficiency	NOUN
ejif-1975	28	7	include	include	VERB
ejif-1975	28	8	austrian	austrian	ADJ
ejif-1975	28	9	insurance	insurance	NOUN
ejif-1975	28	10	sector	sector	NOUN
ejif-1975	28	11	and	and	CCONJ
ejif-1975	28	12	elaborating	elaborate	VERB
ejif-1975	28	13	impact	impact	NOUN
ejif-1975	28	14	of	of	ADP
ejif-1975	28	15	organizational	organizational	ADJ
ejif-1975	28	16	structure	structure	NOUN
ejif-1975	28	17	on	on	ADP
ejif-1975	28	18	the	the	DET
ejif-1975	28	19	efficiencies	efficiency	NOUN
ejif-1975	28	20	of	of	ADP
ejif-1975	28	21	firms	firm	NOUN
ejif-1975	28	22	[	[	X
ejif-1975	28	23	8	8	NUM
ejif-1975	28	24	]	]	PUNCT
ejif-1975	28	25	.	.	PUNCT
ejif-1975	29	1	almost	almost	ADV
ejif-1975	29	2	all	all	PRON
ejif-1975	29	3	of	of	ADP
ejif-1975	29	4	the	the	DET
ejif-1975	29	5	studies	study	NOUN
ejif-1975	29	6	conclude	conclude	VERB
ejif-1975	29	7	that	that	SCONJ
ejif-1975	29	8	product	product	NOUN
ejif-1975	29	9	innovation	innovation	NOUN
ejif-1975	29	10	and	and	CCONJ
ejif-1975	29	11	technology	technology	NOUN
ejif-1975	29	12	improvement	improvement	NOUN
ejif-1975	29	13	has	have	AUX
ejif-1975	29	14	improved	improve	VERB
ejif-1975	29	15	the	the	DET
ejif-1975	29	16	performance	performance	NOUN
ejif-1975	29	17	of	of	ADP
ejif-1975	29	18	insurance	insurance	NOUN
ejif-1975	29	19	firms	firm	NOUN
ejif-1975	29	20	in	in	ADP
ejif-1975	29	21	their	their	PRON
ejif-1975	29	22	respective	respective	ADJ
ejif-1975	29	23	research	research	NOUN
ejif-1975	29	24	samples	sample	NOUN
ejif-1975	29	25	.	.	PUNCT
ejif-1975	30	1	due	due	ADP
ejif-1975	30	2	to	to	ADP
ejif-1975	30	3	the	the	DET
ejif-1975	30	4	emergence	emergence	NOUN
ejif-1975	30	5	and	and	CCONJ
ejif-1975	30	6	growth	growth	NOUN
ejif-1975	30	7	of	of	ADP
ejif-1975	30	8	islamic	islamic	ADJ
ejif-1975	30	9	takaful	takaful	NOUN
ejif-1975	30	10	over	over	ADP
ejif-1975	30	11	the	the	DET
ejif-1975	30	12	last	last	ADJ
ejif-1975	30	13	one	one	NUM
ejif-1975	30	14	decade	decade	NOUN
ejif-1975	30	15	we	we	PRON
ejif-1975	30	16	found	find	VERB
ejif-1975	30	17	the	the	DET
ejif-1975	30	18	studies	study	NOUN
ejif-1975	30	19	in	in	ADP
ejif-1975	30	20	this	this	DET
ejif-1975	30	21	area	area	NOUN
ejif-1975	30	22	very	very	ADV
ejif-1975	30	23	few	few	ADJ
ejif-1975	30	24	.	.	PUNCT
ejif-1975	31	1	studies	study	NOUN
ejif-1975	31	2	conducted	conduct	VERB
ejif-1975	31	3	in	in	ADP
ejif-1975	31	4	this	this	DET
ejif-1975	31	5	area	area	NOUN
ejif-1975	31	6	e.g.	e.g.	ADV
ejif-1975	31	7	,	,	PUNCT
ejif-1975	31	8	[	[	X
ejif-1975	31	9	11,13,33	11,13,33	NUM
ejif-1975	31	10	]	]	PUNCT
ejif-1975	31	11	conclude	conclude	VERB
ejif-1975	31	12	that	that	SCONJ
ejif-1975	31	13	cost	cost	VERB
ejif-1975	31	14	efficiency	efficiency	NOUN
ejif-1975	31	15	of	of	ADP
ejif-1975	31	16	takaful	takaful	ADJ
ejif-1975	31	17	firm	firm	NOUN
ejif-1975	31	18	is	be	AUX
ejif-1975	31	19	similar	similar	ADJ
ejif-1975	31	20	with	with	ADP
ejif-1975	31	21	their	their	PRON
ejif-1975	31	22	conventional	conventional	ADJ
ejif-1975	31	23	counterparts	counterpart	NOUN
ejif-1975	31	24	.	.	PUNCT
ejif-1975	32	1	from	from	ADP
ejif-1975	32	2	asian	asian	ADJ
ejif-1975	32	3	countries	country	NOUN
ejif-1975	32	4	researchers	researcher	NOUN
ejif-1975	32	5	from	from	ADP
ejif-1975	32	6	east	east	ADJ
ejif-1975	32	7	asian	asian	ADJ
ejif-1975	32	8	region	region	NOUN
ejif-1975	32	9	lead	lead	VERB
ejif-1975	32	10	literature	literature	NOUN
ejif-1975	32	11	on	on	ADP
ejif-1975	32	12	islamic	islamic	ADJ
ejif-1975	32	13	segment	segment	NOUN
ejif-1975	32	14	of	of	ADP
ejif-1975	32	15	finance	finance	NOUN
ejif-1975	32	16	,	,	PUNCT
ejif-1975	32	17	consequently	consequently	ADV
ejif-1975	32	18	researchers	researcher	NOUN
ejif-1975	32	19	like	like	ADP
ejif-1975	32	20	[	[	X
ejif-1975	32	21	11	11	NUM
ejif-1975	32	22	]	]	PUNCT
ejif-1975	32	23	in	in	ADP
ejif-1975	32	24	their	their	PRON
ejif-1975	32	25	study	study	NOUN
ejif-1975	32	26	on	on	ADP
ejif-1975	32	27	takaful	takaful	ADJ
ejif-1975	32	28	and	and	CCONJ
ejif-1975	32	29	conventional	conventional	ADJ
ejif-1975	32	30	insurance	insurance	NOUN
ejif-1975	32	31	firms	firm	NOUN
ejif-1975	32	32	opine	opine	VERB
ejif-1975	32	33	that	that	SCONJ
ejif-1975	32	34	takaful	takaful	ADJ
ejif-1975	32	35	firms	firm	NOUN
ejif-1975	32	36	are	be	AUX
ejif-1975	32	37	operating	operate	VERB
ejif-1975	32	38	at	at	ADP
ejif-1975	32	39	lower	low	ADJ
ejif-1975	32	40	efficiency	efficiency	NOUN
ejif-1975	32	41	than	than	ADP
ejif-1975	32	42	conventional	conventional	ADJ
ejif-1975	32	43	insurance	insurance	NOUN
ejif-1975	32	44	firms	firm	NOUN
ejif-1975	32	45	.	.	PUNCT
ejif-1975	33	1	he	he	PRON
ejif-1975	33	2	suggested	suggest	VERB
ejif-1975	33	3	that	that	SCONJ
ejif-1975	33	4	takaful	takaful	ADJ
ejif-1975	33	5	firms	firm	NOUN
ejif-1975	33	6	need	need	VERB
ejif-1975	33	7	to	to	PART
ejif-1975	33	8	reduce	reduce	VERB
ejif-1975	33	9	their	their	PRON
ejif-1975	33	10	administration	administration	NOUN
ejif-1975	33	11	expenses	expense	NOUN
ejif-1975	33	12	and	and	CCONJ
ejif-1975	33	13	asset	asset	NOUN
ejif-1975	33	14	gains	gain	NOUN
ejif-1975	33	15	.	.	PUNCT
ejif-1975	34	1	saad	saad	PROPN
ejif-1975	34	2	doing	do	VERB
ejif-1975	34	3	the	the	DET
ejif-1975	34	4	similar	similar	ADJ
ejif-1975	34	5	analysis	analysis	NOUN
ejif-1975	34	6	in	in	ADP
ejif-1975	34	7	malaysia	malaysia	PROPN
ejif-1975	34	8	suggested	suggest	VERB
ejif-1975	34	9	that	that	SCONJ
ejif-1975	34	10	takaful	takaful	ADJ
ejif-1975	34	11	firms	firm	NOUN
ejif-1975	34	12	need	need	VERB
ejif-1975	34	13	to	to	PART
ejif-1975	34	14	increase	increase	VERB
ejif-1975	34	15	their	their	PRON
ejif-1975	34	16	size	size	NOUN
ejif-1975	34	17	to	to	PART
ejif-1975	34	18	reap	reap	VERB
ejif-1975	34	19	benefits	benefit	NOUN
ejif-1975	34	20	of	of	ADP
ejif-1975	34	21	economies	economy	NOUN
ejif-1975	34	22	of	of	ADP
ejif-1975	34	23	scale[21	scale[21	PROPN
ejif-1975	34	24	]	]	PUNCT
ejif-1975	34	25	.	.	PUNCT
ejif-1975	35	1	in	in	ADP
ejif-1975	35	2	pakistan	pakistan	PROPN
ejif-1975	35	3	researchers	researcher	NOUN
ejif-1975	35	4	opine	opine	VERB
ejif-1975	35	5	that	that	SCONJ
ejif-1975	35	6	pakistani	pakistani	ADJ
ejif-1975	35	7	insurance	insurance	NOUN
ejif-1975	35	8	firms	firm	NOUN
ejif-1975	35	9	irrespective	irrespective	ADV
ejif-1975	35	10	of	of	ADP
ejif-1975	35	11	islamic	islamic	ADJ
ejif-1975	35	12	or	or	CCONJ
ejif-1975	35	13	conventional	conventional	ADJ
ejif-1975	35	14	have	have	VERB
ejif-1975	35	15	better	well	ADJ
ejif-1975	35	16	technical	technical	ADJ
ejif-1975	35	17	efficiency	efficiency	NOUN
ejif-1975	35	18	and	and	CCONJ
ejif-1975	35	19	need	need	VERB
ejif-1975	35	20	to	to	PART
ejif-1975	35	21	improve	improve	VERB
ejif-1975	35	22	their	their	PRON
ejif-1975	35	23	input	input	NOUN
ejif-1975	35	24	pricing	pricing	NOUN
ejif-1975	35	25	strategies	strategy	NOUN
ejif-1975	35	26	to	to	PART
ejif-1975	35	27	improve	improve	VERB
ejif-1975	35	28	their	their	PRON
ejif-1975	35	29	allocative	allocative	NOUN
ejif-1975	35	30	and	and	CCONJ
ejif-1975	35	31	therefore	therefore	ADV
ejif-1975	35	32	cost	cost	VERB
ejif-1975	35	33	efficiencies[3	efficiencies[3	NOUN
ejif-1975	35	34	]	]	PUNCT
ejif-1975	35	35	.	.	PUNCT
ejif-1975	36	1	furthermore	furthermore	ADV
ejif-1975	36	2	khan	khan	PROPN
ejif-1975	36	3	&	&	CCONJ
ejif-1975	36	4	noreen	noreen	PROPN
ejif-1975	36	5	conducting	conduct	VERB
ejif-1975	36	6	dea	dea	NOUN
ejif-1975	36	7	analysis	analysis	NOUN
ejif-1975	36	8	on	on	ADP
ejif-1975	36	9	the	the	DET
ejif-1975	36	10	comparison	comparison	NOUN
ejif-1975	36	11	of	of	ADP
ejif-1975	36	12	efficiency	efficiency	NOUN
ejif-1975	36	13	of	of	ADP
ejif-1975	36	14	pakistani	pakistani	ADJ
ejif-1975	36	15	insurance	insurance	PROPN
ejif-1975	36	16	and	and	CCONJ
ejif-1975	36	17	takaful	takaful	ADJ
ejif-1975	36	18	firms	firm	NOUN
ejif-1975	36	19	found	find	VERB
ejif-1975	36	20	that	that	SCONJ
ejif-1975	36	21	insurance	insurance	NOUN
ejif-1975	36	22	firms	firm	NOUN
ejif-1975	36	23	achieve	achieve	VERB
ejif-1975	36	24	more	more	ADJ
ejif-1975	36	25	technical	technical	ADJ
ejif-1975	36	26	efficiency	efficiency	NOUN
ejif-1975	36	27	as	as	SCONJ
ejif-1975	36	28	compared	compare	VERB
ejif-1975	36	29	with	with	ADP
ejif-1975	36	30	takaful	takaful	ADJ
ejif-1975	36	31	firms[15	firms[15	NOUN
ejif-1975	36	32	]	]	PUNCT
ejif-1975	36	33	.	.	PUNCT
ejif-1975	37	1	furthermore	furthermore	ADV
ejif-1975	37	2	,	,	PUNCT
ejif-1975	37	3	takaful	takaful	ADJ
ejif-1975	37	4	firms	firm	NOUN
ejif-1975	37	5	achieve	achieve	VERB
ejif-1975	37	6	more	more	ADV
ejif-1975	37	7	allocative	allocative	ADJ
ejif-1975	37	8	and	and	CCONJ
ejif-1975	37	9	cost	cost	NOUN
ejif-1975	37	10	efficiency	efficiency	NOUN
ejif-1975	37	11	as	as	ADP
ejif-1975	37	12	compared	compare	VERB
ejif-1975	37	13	with	with	ADP
ejif-1975	37	14	their	their	PRON
ejif-1975	37	15	conventional	conventional	ADJ
ejif-1975	37	16	counterparts	counterpart	NOUN
ejif-1975	37	17	.	.	PUNCT
ejif-1975	38	1	they	they	PRON
ejif-1975	38	2	also	also	ADV
ejif-1975	38	3	opine	opine	VERB
ejif-1975	38	4	that	that	SCONJ
ejif-1975	38	5	takaful	takaful	ADJ
ejif-1975	38	6	firms	firm	NOUN
ejif-1975	38	7	are	be	AUX
ejif-1975	38	8	also	also	ADV
ejif-1975	38	9	attaining	attain	VERB
ejif-1975	38	10	higher	high	ADJ
ejif-1975	38	11	efficiency	efficiency	NOUN
ejif-1975	38	12	when	when	SCONJ
ejif-1975	38	13	it	it	PRON
ejif-1975	38	14	comes	come	VERB
ejif-1975	38	15	to	to	AUX
ejif-1975	38	16	scale	scale	VERB
ejif-1975	38	17	efficiency	efficiency	NOUN
ejif-1975	38	18	.	.	PUNCT
ejif-1975	39	1	b.	b.	PROPN
ejif-1975	39	2	review	review	NOUN
ejif-1975	39	3	of	of	ADP
ejif-1975	39	4	literature	literature	NOUN
ejif-1975	39	5	for	for	ADP
ejif-1975	39	6	banking	banking	NOUN
ejif-1975	39	7	sector	sector	NOUN
ejif-1975	39	8	efficiency	efficiency	NOUN
ejif-1975	39	9	conducting	conduct	VERB
ejif-1975	39	10	comparative	comparative	ADJ
ejif-1975	39	11	analysis	analysis	NOUN
ejif-1975	39	12	of	of	ADP
ejif-1975	39	13	islamic	islamic	ADJ
ejif-1975	39	14	and	and	CCONJ
ejif-1975	39	15	conventional	conventional	ADJ
ejif-1975	39	16	banks	bank	NOUN
ejif-1975	39	17	also	also	ADV
ejif-1975	39	18	using	use	VERB
ejif-1975	39	19	ratio	ratio	NOUN
ejif-1975	39	20	analysis	analysis	NOUN
ejif-1975	39	21	[	[	X
ejif-1975	39	22	19	19	NUM
ejif-1975	39	23	]	]	PUNCT
ejif-1975	39	24	indicated	indicate	VERB
ejif-1975	39	25	that	that	SCONJ
ejif-1975	39	26	conventional	conventional	ADJ
ejif-1975	39	27	banks	bank	NOUN
ejif-1975	39	28	perform	perform	VERB
ejif-1975	39	29	better	well	ADV
ejif-1975	39	30	when	when	SCONJ
ejif-1975	39	31	it	it	PRON
ejif-1975	39	32	comes	come	VERB
ejif-1975	39	33	to	to	ADP
ejif-1975	39	34	analyzing	analyze	VERB
ejif-1975	39	35	efficiency	efficiency	NOUN
ejif-1975	39	36	and	and	CCONJ
ejif-1975	39	37	liquidity	liquidity	NOUN
ejif-1975	39	38	however	however	ADV
ejif-1975	39	39	,	,	PUNCT
ejif-1975	39	40	the	the	DET
ejif-1975	39	41	islamic	islamic	ADJ
ejif-1975	39	42	banks	bank	NOUN
ejif-1975	39	43	perform	perform	VERB
ejif-1975	39	44	better	well	ADV
ejif-1975	39	45	when	when	SCONJ
ejif-1975	39	46	to	to	PART
ejif-1975	39	47	comes	come	VERB
ejif-1975	39	48	to	to	ADP
ejif-1975	39	49	analyzing	analyze	VERB
ejif-1975	39	50	solvency	solvency	NOUN
ejif-1975	39	51	.	.	PUNCT
ejif-1975	40	1	following	follow	VERB
ejif-1975	40	2	the	the	DET
ejif-1975	40	3	methodology	methodology	NOUN
ejif-1975	40	4	of	of	ADP
ejif-1975	40	5	ratio	ratio	NOUN
ejif-1975	40	6	analysis	analysis	NOUN
ejif-1975	40	7	augmented	augment	VERB
ejif-1975	40	8	by	by	ADP
ejif-1975	40	9	t	t	PROPN
ejif-1975	40	10	-	-	PUNCT
ejif-1975	40	11	test	test	NOUN
ejif-1975	40	12	found	find	VERB
ejif-1975	40	13	that	that	SCONJ
ejif-1975	40	14	during	during	ADP
ejif-1975	40	15	the	the	DET
ejif-1975	40	16	period	period	NOUN
ejif-1975	40	17	2000	2000	NUM
ejif-1975	40	18	-	-	SYM
ejif-1975	40	19	2009	2009	NUM
ejif-1975	40	20	islamic	islamic	ADJ
ejif-1975	40	21	banks	bank	NOUN
ejif-1975	40	22	were	be	AUX
ejif-1975	40	23	more	more	ADV
ejif-1975	40	24	liquid	liquid	ADJ
ejif-1975	40	25	and	and	CCONJ
ejif-1975	40	26	lower	low	ADJ
ejif-1975	40	27	on	on	ADP
ejif-1975	40	28	risk	risk	NOUN
ejif-1975	40	29	than	than	ADP
ejif-1975	40	30	their	their	PRON
ejif-1975	40	31	conventional	conventional	ADJ
ejif-1975	40	32	counterparts	counterpart	NOUN
ejif-1975	40	33	.	.	PUNCT
ejif-1975	41	1	however	however	ADV
ejif-1975	41	2	,	,	PUNCT
ejif-1975	41	3	they	they	PRON
ejif-1975	41	4	opined	opine	VERB
ejif-1975	41	5	that	that	SCONJ
ejif-1975	41	6	the	the	DET
ejif-1975	41	7	performance	performance	NOUN
ejif-1975	41	8	of	of	ADP
ejif-1975	41	9	both	both	DET
ejif-1975	41	10	banking	banking	NOUN
ejif-1975	41	11	system	system	NOUN
ejif-1975	41	12	was	be	AUX
ejif-1975	41	13	the	the	DET
ejif-1975	41	14	same[16	same[16	NOUN
ejif-1975	41	15	]	]	PUNCT
ejif-1975	41	16	.	.	PUNCT
ejif-1975	42	1	cengiz	cengiz	PROPN
ejif-1975	42	2	doing	do	VERB
ejif-1975	42	3	the	the	DET
ejif-1975	42	4	comparative	comparative	ADJ
ejif-1975	42	5	analysis	analysis	NOUN
ejif-1975	42	6	of	of	ADP
ejif-1975	42	7	turkish	turkish	ADJ
ejif-1975	42	8	banking	banking	NOUN
ejif-1975	42	9	sector	sector	NOUN
ejif-1975	42	10	using	use	VERB
ejif-1975	42	11	logistic	logistic	ADJ
ejif-1975	42	12	regression	regression	NOUN
ejif-1975	42	13	and	and	CCONJ
ejif-1975	42	14	camels	camel	NOUN
ejif-1975	42	15	approach	approach	NOUN
ejif-1975	42	16	found	find	VERB
ejif-1975	42	17	that	that	SCONJ
ejif-1975	42	18	islamic	islamic	ADJ
ejif-1975	42	19	banks	bank	NOUN
ejif-1975	42	20	in	in	ADP
ejif-1975	42	21	turkey	turkey	NOUN
ejif-1975	42	22	perform	perform	VERB
ejif-1975	42	23	better	well	ADV
ejif-1975	42	24	in	in	ADP
ejif-1975	42	25	terms	term	NOUN
ejif-1975	42	26	of	of	ADP
ejif-1975	42	27	profitability	profitability	NOUN
ejif-1975	42	28	and	and	CCONJ
ejif-1975	42	29	asset	asset	NOUN
ejif-1975	42	30	management	management	NOUN
ejif-1975	42	31	however	however	ADV
ejif-1975	42	32	their	their	PRON
ejif-1975	42	33	market	market	NOUN
ejif-1975	42	34	risk	risk	NOUN
ejif-1975	42	35	management	management	NOUN
ejif-1975	42	36	performance	performance	NOUN
ejif-1975	42	37	is	be	AUX
ejif-1975	42	38	inferior[7	inferior[7	ADP
ejif-1975	42	39	]	]	X
ejif-1975	42	40	.	.	PUNCT
ejif-1975	43	1	in	in	ADP
ejif-1975	43	2	another	another	DET
ejif-1975	43	3	study	study	NOUN
ejif-1975	43	4	while	while	SCONJ
ejif-1975	43	5	analyzing	analyze	VERB
ejif-1975	43	6	the	the	DET
ejif-1975	43	7	efficiency	efficiency	NOUN
ejif-1975	43	8	comparison	comparison	NOUN
ejif-1975	43	9	of	of	ADP
ejif-1975	43	10	turkish	turkish	ADJ
ejif-1975	43	11	banks	bank	NOUN
ejif-1975	43	12	using	use	VERB
ejif-1975	43	13	dea	dea	NOUN
ejif-1975	43	14	and	and	CCONJ
ejif-1975	43	15	other	other	ADJ
ejif-1975	43	16	measures	measure	NOUN
ejif-1975	43	17	between	between	ADP
ejif-1975	43	18	the	the	DET
ejif-1975	43	19	period	period	NOUN
ejif-1975	43	20	1990	1990	NUM
ejif-1975	43	21	and	and	CCONJ
ejif-1975	43	22	2000	2000	NUM
ejif-1975	43	23	found	find	VERB
ejif-1975	43	24	that	that	SCONJ
ejif-1975	43	25	islamic	islamic	ADJ
ejif-1975	43	26	banks	bank	NOUN
ejif-1975	43	27	achieve	achieve	VERB
ejif-1975	43	28	better	well	ADJ
ejif-1975	43	29	revenue	revenue	NOUN
ejif-1975	43	30	and	and	CCONJ
ejif-1975	43	31	cost	cost	NOUN
ejif-1975	43	32	efficiency	efficiency	NOUN
ejif-1975	43	33	as	as	ADP
ejif-1975	43	34	compared	compare	VERB
ejif-1975	43	35	with	with	ADP
ejif-1975	43	36	their	their	PRON
ejif-1975	43	37	conventional	conventional	ADJ
ejif-1975	43	38	counterparts	counterpart	NOUN
ejif-1975	43	39	[	[	X
ejif-1975	43	40	14	14	NUM
ejif-1975	43	41	]	]	PUNCT
ejif-1975	43	42	.	.	PUNCT
ejif-1975	44	1	sufian	sufian	PROPN
ejif-1975	44	2	&	&	CCONJ
ejif-1975	44	3	noor	noor	PROPN
ejif-1975	44	4	in	in	ADP
ejif-1975	44	5	their	their	PRON
ejif-1975	44	6	work	work	NOUN
ejif-1975	44	7	on	on	ADP
ejif-1975	44	8	islamic	islamic	ADJ
ejif-1975	44	9	banks	bank	NOUN
ejif-1975	44	10	of	of	ADP
ejif-1975	44	11	asian	asian	PROPN
ejif-1975	44	12	and	and	CCONJ
ejif-1975	44	13	mena	mena	PROPN
ejif-1975	44	14	region	region	PROPN
ejif-1975	44	15	using	use	VERB
ejif-1975	44	16	dea	dea	NOUN
ejif-1975	44	17	analysis	analysis	NOUN
ejif-1975	44	18	found	find	VERB
ejif-1975	44	19	that	that	SCONJ
ejif-1975	44	20	islamic	islamic	ADJ
ejif-1975	44	21	banks	bank	NOUN
ejif-1975	44	22	of	of	ADP
ejif-1975	44	23	mena	mena	PROPN
ejif-1975	44	24	region	region	PROPN
ejif-1975	44	25	have	have	VERB
ejif-1975	44	26	higher	high	ADJ
ejif-1975	44	27	level	level	NOUN
ejif-1975	44	28	of	of	ADP
ejif-1975	44	29	technical	technical	ADJ
ejif-1975	44	30	efficiency	efficiency	NOUN
ejif-1975	44	31	as	as	SCONJ
ejif-1975	44	32	compared	compare	VERB
ejif-1975	44	33	with	with	ADP
ejif-1975	44	34	asian	asian	PROPN
ejif-1975	44	35	islamic	islamic	PROPN
ejif-1975	44	36	banks[27	banks[27	PROPN
ejif-1975	44	37	]	]	PUNCT
ejif-1975	44	38	.	.	PUNCT
ejif-1975	45	1	he	he	PRON
ejif-1975	45	2	also	also	ADV
ejif-1975	45	3	found	find	VERB
ejif-1975	45	4	that	that	SCONJ
ejif-1975	45	5	technical	technical	ADJ
ejif-1975	45	6	efficiency	efficiency	NOUN
ejif-1975	45	7	greatly	greatly	ADV
ejif-1975	45	8	contributes	contribute	VERB
ejif-1975	45	9	to	to	ADP
ejif-1975	45	10	profitability	profitability	NOUN
ejif-1975	45	11	of	of	ADP
ejif-1975	45	12	islamic	islamic	ADJ
ejif-1975	45	13	banks	bank	NOUN
ejif-1975	45	14	.	.	PUNCT
ejif-1975	46	1	lower	low	ADJ
ejif-1975	46	2	level	level	NOUN
ejif-1975	46	3	of	of	ADP
ejif-1975	46	4	allocative	allocative	ADJ
ejif-1975	46	5	efficiency	efficiency	NOUN
ejif-1975	46	6	suggests	suggest	VERB
ejif-1975	46	7	the	the	DET
ejif-1975	46	8	islamic	islamic	ADJ
ejif-1975	46	9	banks	bank	NOUN
ejif-1975	46	10	need	need	VERB
ejif-1975	46	11	to	to	PART
ejif-1975	46	12	work	work	VERB
ejif-1975	46	13	on	on	ADP
ejif-1975	46	14	their	their	PRON
ejif-1975	46	15	management	management	NOUN
ejif-1975	46	16	skills	skill	NOUN
ejif-1975	46	17	and	and	CCONJ
ejif-1975	46	18	input	input	NOUN
ejif-1975	46	19	price	price	NOUN
ejif-1975	46	20	mechanism	mechanism	NOUN
ejif-1975	46	21	.	.	PUNCT
ejif-1975	47	1	usman	usman	PROPN
ejif-1975	47	2	using	use	VERB
ejif-1975	47	3	dea	dea	NOUN
ejif-1975	47	4	analysis	analysis	NOUN
ejif-1975	47	5	on	on	ADP
ejif-1975	47	6	the	the	DET
ejif-1975	47	7	data	datum	NOUN
ejif-1975	47	8	of	of	ADP
ejif-1975	47	9	conventional	conventional	ADJ
ejif-1975	47	10	banks	bank	NOUN
ejif-1975	47	11	of	of	ADP
ejif-1975	47	12	pakistan	pakistan	PROPN
ejif-1975	47	13	from	from	ADP
ejif-1975	47	14	2001	2001	NUM
ejif-1975	47	15	to	to	ADP
ejif-1975	47	16	2008	2008	NUM
ejif-1975	47	17	found	find	VERB
ejif-1975	47	18	that	that	SCONJ
ejif-1975	47	19	foreign	foreign	ADJ
ejif-1975	47	20	banks	bank	NOUN
ejif-1975	47	21	are	be	AUX
ejif-1975	47	22	more	more	ADV
ejif-1975	47	23	technically	technically	ADV
ejif-1975	47	24	efficient	efficient	ADJ
ejif-1975	47	25	as	as	SCONJ
ejif-1975	47	26	compared	compare	VERB
ejif-1975	47	27	with	with	ADP
ejif-1975	47	28	their	their	PRON
ejif-1975	47	29	domestic	domestic	ADJ
ejif-1975	47	30	counterparts	counterpart	NOUN
ejif-1975	47	31	.	.	PUNCT
ejif-1975	48	1	they	they	PRON
ejif-1975	48	2	also	also	ADV
ejif-1975	48	3	found	find	VERB
ejif-1975	48	4	that	that	SCONJ
ejif-1975	48	5	state	state	NOUN
ejif-1975	48	6	owned	own	VERB
ejif-1975	48	7	and	and	CCONJ
ejif-1975	48	8	domestic	domestic	ADJ
ejif-1975	48	9	owned	own	VERB
ejif-1975	48	10	banks	bank	NOUN
ejif-1975	48	11	are	be	AUX
ejif-1975	48	12	least	least	ADJ
ejif-1975	48	13	efficient[29	efficient[29	NUM
ejif-1975	48	14	]	]	PUNCT
ejif-1975	48	15	.	.	PUNCT
ejif-1975	49	1	akhtar	akhtar	PROPN
ejif-1975	49	2	used	use	VERB
ejif-1975	49	3	data	datum	NOUN
ejif-1975	49	4	from	from	ADP
ejif-1975	49	5	2001	2001	NUM
ejif-1975	49	6	-	-	SYM
ejif-1975	49	7	2006	2006	NUM
ejif-1975	49	8	used	use	VERB
ejif-1975	49	9	dea	dea	NOUN
ejif-1975	49	10	analysis	analysis	NOUN
ejif-1975	49	11	to	to	PART
ejif-1975	49	12	calculate	calculate	VERB
ejif-1975	49	13	the	the	DET
ejif-1975	49	14	efficiency	efficiency	NOUN
ejif-1975	49	15	of	of	ADP
ejif-1975	49	16	pakistani	pakistani	ADJ
ejif-1975	49	17	banks	bank	NOUN
ejif-1975	49	18	.	.	PUNCT
ejif-1975	50	1	his	his	PRON
ejif-1975	50	2	findings	finding	NOUN
ejif-1975	50	3	also	also	ADV
ejif-1975	50	4	suggest	suggest	VERB
ejif-1975	50	5	that	that	SCONJ
ejif-1975	50	6	the	the	DET
ejif-1975	50	7	efficiency	efficiency	NOUN
ejif-1975	50	8	of	of	ADP
ejif-1975	50	9	foreign	foreign	ADJ
ejif-1975	50	10	banks	bank	NOUN
ejif-1975	50	11	operating	operate	VERB
ejif-1975	50	12	in	in	ADP
ejif-1975	50	13	pakistan	pakistan	PROPN
ejif-1975	50	14	is	be	AUX
ejif-1975	50	15	better	well	ADJ
ejif-1975	50	16	than	than	ADP
ejif-1975	50	17	the	the	DET
ejif-1975	50	18	efficiency	efficiency	NOUN
ejif-1975	50	19	of	of	ADP
ejif-1975	50	20	domestic	domestic	ADJ
ejif-1975	50	21	banks	bank	NOUN
ejif-1975	50	22	whether	whether	SCONJ
ejif-1975	50	23	they	they	PRON
ejif-1975	50	24	are	be	AUX
ejif-1975	50	25	public	public	ADJ
ejif-1975	50	26	or	or	CCONJ
ejif-1975	50	27	privately	privately	ADV
ejif-1975	50	28	owned	own	VERB
ejif-1975	50	29	.	.	PUNCT
ejif-1975	51	1	he	he	PRON
ejif-1975	51	2	also	also	ADV
ejif-1975	51	3	found	find	VERB
ejif-1975	51	4	in	in	ADP
ejif-1975	51	5	his	his	PRON
ejif-1975	51	6	study	study	NOUN
ejif-1975	51	7	that	that	SCONJ
ejif-1975	51	8	foreign	foreign	ADJ
ejif-1975	51	9	banks	bank	NOUN
ejif-1975	51	10	have	have	AUX
ejif-1975	51	11	been	be	AUX
ejif-1975	51	12	taken	take	VERB
ejif-1975	51	13	advantage	advantage	NOUN
ejif-1975	51	14	in	in	ADP
ejif-1975	51	15	the	the	DET
ejif-1975	51	16	utilization	utilization	NOUN
ejif-1975	51	17	of	of	ADP
ejif-1975	51	18	domestic	domestic	ADJ
ejif-1975	51	19	benefits	benefit	NOUN
ejif-1975	51	20	and	and	CCONJ
ejif-1975	51	21	opportunities	opportunity	NOUN
ejif-1975	51	22	.	.	PUNCT
ejif-1975	52	1	he	he	PRON
ejif-1975	52	2	also	also	ADV
ejif-1975	52	3	suggested	suggest	VERB
ejif-1975	52	4	improving	improve	VERB
ejif-1975	52	5	the	the	DET
ejif-1975	52	6	internal	internal	ADJ
ejif-1975	52	7	performance	performance	NOUN
ejif-1975	52	8	and	and	CCONJ
ejif-1975	52	9	managerial	managerial	ADJ
ejif-1975	52	10	skills[2	skills[2	PROPN
ejif-1975	52	11	]	]	PUNCT
ejif-1975	52	12	.	.	PUNCT
ejif-1975	53	1	nazir	nazir	PROPN
ejif-1975	53	2	and	and	CCONJ
ejif-1975	53	3	alam	alam	PROPN
ejif-1975	53	4	in	in	ADP
ejif-1975	53	5	their	their	PRON
ejif-1975	53	6	study	study	NOUN
ejif-1975	53	7	on	on	ADP
ejif-1975	53	8	28	28	NUM
ejif-1975	53	9	commercial	commercial	ADJ
ejif-1975	53	10	banks	bank	NOUN
ejif-1975	53	11	from	from	ADP
ejif-1975	53	12	2003	2003	NUM
ejif-1975	53	13	-	-	SYM
ejif-1975	53	14	2007	2007	NUM
ejif-1975	53	15	to	to	PART
ejif-1975	53	16	check	check	VERB
ejif-1975	53	17	the	the	DET
ejif-1975	53	18	impact	impact	NOUN
ejif-1975	53	19	of	of	ADP
ejif-1975	53	20	privatization	privatization	NOUN
ejif-1975	53	21	over	over	ADP
ejif-1975	53	22	operating	operate	VERB
ejif-1975	53	23	income	income	NOUN
ejif-1975	53	24	using	use	VERB
ejif-1975	53	25	dae	dae	NOUN
ejif-1975	53	26	technique	technique	NOUN
ejif-1975	53	27	found	find	VERB
ejif-1975	53	28	that	that	SCONJ
ejif-1975	53	29	privatization	privatization	NOUN
ejif-1975	53	30	was	be	AUX
ejif-1975	53	31	not	not	PART
ejif-1975	53	32	helpful	helpful	ADJ
ejif-1975	53	33	for	for	SCONJ
ejif-1975	53	34	the	the	DET
ejif-1975	53	35	banks	bank	NOUN
ejif-1975	53	36	to	to	PART
ejif-1975	53	37	improve	improve	VERB
ejif-1975	53	38	their	their	PRON
ejif-1975	53	39	operating	operating	NOUN
ejif-1975	53	40	income[17	income[17	PROPN
ejif-1975	53	41	]	]	PUNCT
ejif-1975	53	42	.	.	PUNCT
ejif-1975	54	1	the	the	DET
ejif-1975	54	2	reason	reason	NOUN
ejif-1975	54	3	for	for	ADP
ejif-1975	54	4	these	these	DET
ejif-1975	54	5	contradictory	contradictory	ADJ
ejif-1975	54	6	findings	finding	NOUN
ejif-1975	54	7	they	they	PRON
ejif-1975	54	8	suggested	suggest	VERB
ejif-1975	54	9	included	include	VERB
ejif-1975	54	10	law	law	NOUN
ejif-1975	54	11	&	&	CCONJ
ejif-1975	54	12	order	order	NOUN
ejif-1975	54	13	situation	situation	NOUN
ejif-1975	54	14	,	,	PUNCT
ejif-1975	54	15	bad	bad	ADJ
ejif-1975	54	16	debts	debt	NOUN
ejif-1975	54	17	and	and	CCONJ
ejif-1975	54	18	increased	increase	VERB
ejif-1975	54	19	competition	competition	NOUN
ejif-1975	54	20	.	.	PUNCT
ejif-1975	55	1	overall	overall	ADJ
ejif-1975	55	2	the	the	DET
ejif-1975	55	3	study	study	NOUN
ejif-1975	55	4	favored	favor	VERB
ejif-1975	55	5	state	state	NOUN
ejif-1975	55	6	owned	own	VERB
ejif-1975	55	7	commercial	commercial	ADJ
ejif-1975	55	8	banks	bank	NOUN
ejif-1975	55	9	as	as	ADP
ejif-1975	55	10	distinct	distinct	ADJ
ejif-1975	55	11	from	from	ADP
ejif-1975	55	12	all	all	DET
ejif-1975	55	13	previous	previous	ADJ
ejif-1975	55	14	studies	study	NOUN
ejif-1975	55	15	.	.	PUNCT
ejif-1975	56	1	still	still	ADV
ejif-1975	56	2	in	in	ADP
ejif-1975	56	3	another	another	DET
ejif-1975	56	4	study	study	NOUN
ejif-1975	56	5	a	a	DET
ejif-1975	56	6	researcher	researcher	NOUN
ejif-1975	56	7	using	use	VERB
ejif-1975	56	8	dea	dea	NOUN
ejif-1975	56	9	analysis	analysis	NOUN
ejif-1975	56	10	to	to	PART
ejif-1975	56	11	calculate	calculate	VERB
ejif-1975	56	12	the	the	DET
ejif-1975	56	13	scale	scale	NOUN
ejif-1975	56	14	efficiency	efficiency	NOUN
ejif-1975	56	15	of	of	ADP
ejif-1975	56	16	five	five	NUM
ejif-1975	56	17	full	full	ADJ
ejif-1975	56	18	fledged	fledged	ADJ
ejif-1975	56	19	pakistani	pakistani	ADJ
ejif-1975	56	20	islamic	islamic	ADJ
ejif-1975	56	21	banks	bank	NOUN
ejif-1975	56	22	found	find	VERB
ejif-1975	56	23	only	only	ADV
ejif-1975	56	24	dawood	dawood	PROPN
ejif-1975	56	25	islamic	islamic	PROPN
ejif-1975	56	26	bank	bank	PROPN
ejif-1975	56	27	efficient	efficient	ADJ
ejif-1975	56	28	in	in	ADP
ejif-1975	56	29	terms	term	NOUN
ejif-1975	56	30	of	of	ADP
ejif-1975	56	31	scale	scale	NOUN
ejif-1975	56	32	efficiency	efficiency	NOUN
ejif-1975	56	33	,	,	PUNCT
ejif-1975	56	34	while	while	SCONJ
ejif-1975	56	35	the	the	DET
ejif-1975	56	36	most	most	ADV
ejif-1975	56	37	efficient	efficient	ADJ
ejif-1975	56	38	year	year	NOUN
ejif-1975	56	39	turned	turn	VERB
ejif-1975	56	40	out	out	ADP
ejif-1975	56	41	to	to	PART
ejif-1975	56	42	be	be	AUX
ejif-1975	56	43	2007[6	2007[6	NUM
ejif-1975	56	44	]	]	PUNCT
ejif-1975	56	45	.	.	PUNCT
ejif-1975	57	1	shah	shah	NOUN
ejif-1975	57	2	with	with	ADP
ejif-1975	57	3	his	his	PRON
ejif-1975	57	4	co	co	NOUN
ejif-1975	57	5	-	-	NOUN
ejif-1975	57	6	researchers	researcher	NOUN
ejif-1975	57	7	in	in	ADP
ejif-1975	57	8	his	his	PRON
ejif-1975	57	9	study	study	NOUN
ejif-1975	57	10	on	on	ADP
ejif-1975	57	11	banking	banking	NOUN
ejif-1975	57	12	sector	sector	NOUN
ejif-1975	57	13	using	use	VERB
ejif-1975	57	14	data	datum	NOUN
ejif-1975	57	15	on	on	ADP
ejif-1975	57	16	conventional	conventional	ADJ
ejif-1975	57	17	and	and	CCONJ
ejif-1975	57	18	islamic	islamic	ADJ
ejif-1975	57	19	banks	bank	NOUN
ejif-1975	57	20	found	find	VERB
ejif-1975	57	21	that	that	SCONJ
ejif-1975	57	22	islamic	islamic	ADJ
ejif-1975	57	23	banks	bank	NOUN
ejif-1975	57	24	are	be	AUX
ejif-1975	57	25	performing	perform	VERB
ejif-1975	57	26	better	well	ADV
ejif-1975	57	27	in	in	ADP
ejif-1975	57	28	terms	term	NOUN
ejif-1975	57	29	of	of	ADP
ejif-1975	57	30	technical	technical	ADJ
ejif-1975	57	31	and	and	CCONJ
ejif-1975	57	32	scale	scale	NOUN
ejif-1975	57	33	efficiency	efficiency	NOUN
ejif-1975	57	34	however	however	ADV
ejif-1975	57	35	,	,	PUNCT
ejif-1975	57	36	conventional	conventional	ADJ
ejif-1975	57	37	banks	bank	NOUN
ejif-1975	57	38	performed	perform	VERB
ejif-1975	57	39	better	well	ADV
ejif-1975	57	40	in	in	ADP
ejif-1975	57	41	terms	term	NOUN
ejif-1975	57	42	of	of	ADP
ejif-1975	57	43	allocative	allocative	ADJ
ejif-1975	57	44	efficiency[23	efficiency[23	PROPN
ejif-1975	57	45	]	]	PUNCT
ejif-1975	57	46	.	.	PUNCT
ejif-1975	58	1	saeed	saeed	PROPN
ejif-1975	58	2	also	also	ADV
ejif-1975	58	3	in	in	ADP
ejif-1975	58	4	their	their	PRON
ejif-1975	58	5	study	study	NOUN
ejif-1975	58	6	on	on	ADP
ejif-1975	58	7	the	the	DET
ejif-1975	58	8	comparison	comparison	NOUN
ejif-1975	58	9	of	of	ADP
ejif-1975	58	10	islamic	islamic	ADJ
ejif-1975	58	11	and	and	CCONJ
ejif-1975	58	12	conventional	conventional	ADJ
ejif-1975	58	13	banking	banking	NOUN
ejif-1975	58	14	took	take	VERB
ejif-1975	58	15	data	datum	NOUN
ejif-1975	58	16	for	for	ADP
ejif-1975	58	17	the	the	DET
ejif-1975	58	18	period	period	NOUN
ejif-1975	58	19	2007	2007	NUM
ejif-1975	58	20	to	to	ADP
ejif-1975	58	21	2011	2011	NUM
ejif-1975	58	22	using	use	VERB
ejif-1975	58	23	dea	dea	NOUN
ejif-1975	58	24	analysis	analysis	NOUN
ejif-1975	58	25	concluded	conclude	VERB
ejif-1975	58	26	that	that	SCONJ
ejif-1975	58	27	conventional	conventional	ADJ
ejif-1975	58	28	banks	bank	NOUN
ejif-1975	58	29	are	be	AUX
ejif-1975	58	30	performing	perform	VERB
ejif-1975	58	31	better	well	ADJ
ejif-1975	58	32	than	than	ADP
ejif-1975	58	33	islamic	islamic	ADJ
ejif-1975	58	34	banks	bank	NOUN
ejif-1975	58	35	which	which	PRON
ejif-1975	58	36	differs	differ	VERB
ejif-1975	58	37	from	from	ADP
ejif-1975	58	38	previous	previous	ADJ
ejif-1975	58	39	studies	study	NOUN
ejif-1975	58	40	on	on	ADP
ejif-1975	58	41	the	the	DET
ejif-1975	58	42	ground	ground	NOUN
ejif-1975	58	43	that	that	SCONJ
ejif-1975	58	44	in	in	ADP
ejif-1975	58	45	earlier	early	ADJ
ejif-1975	58	46	studies	study	NOUN
ejif-1975	58	47	islamic	islamic	ADJ
ejif-1975	58	48	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	58	49	ejif	ejif	PROPN
ejif-1975	58	50	–	–	PUNCT
ejif-1975	58	51	european	european	PROPN
ejif-1975	58	52	journal	journal	PROPN
ejif-1975	58	53	of	of	ADP
ejif-1975	58	54	islamic	islamic	PROPN
ejif-1975	58	55	finance	finance	PROPN
ejif-1975	58	56	no	no	DET
ejif-1975	58	57	6	6	NUM
ejif-1975	58	58	,	,	PUNCT
ejif-1975	58	59	feb	feb	X
ejif-1975	58	60	(	(	PUNCT
ejif-1975	58	61	2017	2017	NUM
ejif-1975	58	62	)	)	PUNCT
ejif-1975	59	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	59	2	issn	issn	VERB
ejif-1975	59	3	2421	2421	NUM
ejif-1975	59	4	-	-	SYM
ejif-1975	59	5	2172	2172	NUM
ejif-1975	59	6	3	3	NUM
ejif-1975	59	7	banks	bank	NOUN
ejif-1975	59	8	performed	perform	VERB
ejif-1975	59	9	better	well	ADV
ejif-1975	59	10	in	in	ADP
ejif-1975	59	11	terms	term	NOUN
ejif-1975	59	12	of	of	ADP
ejif-1975	59	13	allocative	allocative	ADJ
ejif-1975	59	14	efficiency[22	efficiency[22	NOUN
ejif-1975	59	15	]	]	PUNCT
ejif-1975	59	16	.	.	PUNCT
ejif-1975	60	1	various	various	ADJ
ejif-1975	60	2	researchers	researcher	NOUN
ejif-1975	60	3	from	from	ADP
ejif-1975	60	4	pakistan	pakistan	PROPN
ejif-1975	60	5	in	in	ADP
ejif-1975	60	6	their	their	PRON
ejif-1975	60	7	study	study	NOUN
ejif-1975	60	8	using	use	VERB
ejif-1975	60	9	data	datum	NOUN
ejif-1975	60	10	and	and	CCONJ
ejif-1975	60	11	on	on	ADP
ejif-1975	60	12	pakistani	pakistani	ADJ
ejif-1975	60	13	islamic	islamic	PROPN
ejif-1975	60	14	and	and	CCONJ
ejif-1975	60	15	conventional	conventional	ADJ
ejif-1975	60	16	banks	bank	NOUN
ejif-1975	60	17	for	for	ADP
ejif-1975	60	18	the	the	DET
ejif-1975	60	19	period	period	NOUN
ejif-1975	60	20	2003	2003	NUM
ejif-1975	60	21	-	-	SYM
ejif-1975	60	22	2008	2008	NUM
ejif-1975	60	23	and	and	CCONJ
ejif-1975	60	24	employing	employ	VERB
ejif-1975	60	25	dea	dea	NOUN
ejif-1975	60	26	analysis	analysis	NOUN
ejif-1975	60	27	also	also	ADV
ejif-1975	60	28	found	find	VERB
ejif-1975	60	29	that	that	SCONJ
ejif-1975	60	30	islamic	islamic	ADJ
ejif-1975	60	31	banks	bank	NOUN
ejif-1975	60	32	are	be	AUX
ejif-1975	60	33	more	more	ADV
ejif-1975	60	34	cost	cost	NOUN
ejif-1975	60	35	efficient	efficient	ADJ
ejif-1975	60	36	and	and	CCONJ
ejif-1975	60	37	less	less	ADJ
ejif-1975	60	38	revenue	revenue	NOUN
ejif-1975	60	39	efficient	efficient	ADJ
ejif-1975	60	40	than	than	ADP
ejif-1975	60	41	their	their	PRON
ejif-1975	60	42	conventional	conventional	ADJ
ejif-1975	60	43	counterparts[10,20	counterparts[10,20	NOUN
ejif-1975	60	44	]	]	PUNCT
ejif-1975	60	45	.	.	PUNCT
ejif-1975	61	1	taking	take	VERB
ejif-1975	61	2	an	an	DET
ejif-1975	61	3	account	account	NOUN
ejif-1975	61	4	of	of	ADP
ejif-1975	61	5	the	the	DET
ejif-1975	61	6	studies	study	NOUN
ejif-1975	61	7	as	as	SCONJ
ejif-1975	61	8	narrated	narrate	VERB
ejif-1975	61	9	hereinabove	hereinabove	NOUN
ejif-1975	61	10	we	we	PRON
ejif-1975	61	11	find	find	VERB
ejif-1975	61	12	that	that	SCONJ
ejif-1975	61	13	so	so	ADV
ejif-1975	61	14	far	far	ADV
ejif-1975	61	15	studies	study	NOUN
ejif-1975	61	16	undertake	undertake	VERB
ejif-1975	61	17	efficiencies	efficiency	NOUN
ejif-1975	61	18	of	of	ADP
ejif-1975	61	19	banking	banking	NOUN
ejif-1975	61	20	and	and	CCONJ
ejif-1975	61	21	insurance	insurance	NOUN
ejif-1975	61	22	sectors	sector	NOUN
ejif-1975	61	23	independently	independently	ADV
ejif-1975	61	24	.	.	PUNCT
ejif-1975	62	1	also	also	ADV
ejif-1975	62	2	we	we	PRON
ejif-1975	62	3	find	find	VERB
ejif-1975	62	4	that	that	SCONJ
ejif-1975	62	5	in	in	ADP
ejif-1975	62	6	the	the	DET
ejif-1975	62	7	period	period	NOUN
ejif-1975	62	8	before	before	SCONJ
ejif-1975	62	9	2010	2010	NUM
ejif-1975	62	10	conventional	conventional	ADJ
ejif-1975	62	11	banks	bank	NOUN
ejif-1975	62	12	had	have	VERB
ejif-1975	62	13	more	more	ADV
ejif-1975	62	14	technical	technical	ADJ
ejif-1975	62	15	and	and	CCONJ
ejif-1975	62	16	allocative	allocative	ADJ
ejif-1975	62	17	efficiency	efficiency	NOUN
ejif-1975	62	18	,	,	PUNCT
ejif-1975	62	19	however	however	ADV
ejif-1975	62	20	after	after	ADP
ejif-1975	62	21	the	the	PRON
ejif-1975	62	22	in	in	ADP
ejif-1975	62	23	the	the	DET
ejif-1975	62	24	studies	study	NOUN
ejif-1975	62	25	undertaken	undertake	VERB
ejif-1975	62	26	after	after	ADP
ejif-1975	62	27	2010	2010	NUM
ejif-1975	62	28	islamic	islamic	ADJ
ejif-1975	62	29	banks	bank	NOUN
ejif-1975	62	30	are	be	AUX
ejif-1975	62	31	found	find	VERB
ejif-1975	62	32	to	to	PART
ejif-1975	62	33	have	have	VERB
ejif-1975	62	34	more	more	ADJ
ejif-1975	62	35	allocative	allocative	ADJ
ejif-1975	62	36	efficiency	efficiency	NOUN
ejif-1975	62	37	.	.	PUNCT
ejif-1975	63	1	furthermore	furthermore	ADV
ejif-1975	63	2	,	,	PUNCT
ejif-1975	63	3	from	from	ADP
ejif-1975	63	4	various	various	ADJ
ejif-1975	63	5	economic	economic	ADJ
ejif-1975	63	6	reports	report	NOUN
ejif-1975	63	7	undertaken	undertake	VERB
ejif-1975	63	8	to	to	ADP
ejif-1975	63	9	gauge	gauge	VERB
ejif-1975	63	10	performance	performance	NOUN
ejif-1975	63	11	of	of	ADP
ejif-1975	63	12	financial	financial	ADJ
ejif-1975	63	13	sector	sector	NOUN
ejif-1975	63	14	we	we	PRON
ejif-1975	63	15	understand	understand	VERB
ejif-1975	63	16	that	that	SCONJ
ejif-1975	63	17	both	both	CCONJ
ejif-1975	63	18	the	the	DET
ejif-1975	63	19	sectors	sector	NOUN
ejif-1975	63	20	contribute	contribute	VERB
ejif-1975	63	21	to	to	ADP
ejif-1975	63	22	development	development	NOUN
ejif-1975	63	23	of	of	ADP
ejif-1975	63	24	financial	financial	ADJ
ejif-1975	63	25	sector	sector	NOUN
ejif-1975	63	26	collectively	collectively	ADV
ejif-1975	63	27	.	.	PUNCT
ejif-1975	64	1	therefore	therefore	ADV
ejif-1975	64	2	there	there	PRON
ejif-1975	64	3	is	be	VERB
ejif-1975	64	4	a	a	DET
ejif-1975	64	5	dire	dire	ADJ
ejif-1975	64	6	need	need	NOUN
ejif-1975	64	7	to	to	PART
ejif-1975	64	8	take	take	VERB
ejif-1975	64	9	a	a	DET
ejif-1975	64	10	collective	collective	ADJ
ejif-1975	64	11	efficiency	efficiency	NOUN
ejif-1975	64	12	analysis	analysis	NOUN
ejif-1975	64	13	of	of	ADP
ejif-1975	64	14	banking	banking	NOUN
ejif-1975	64	15	and	and	CCONJ
ejif-1975	64	16	insurance	insurance	NOUN
ejif-1975	64	17	sector	sector	NOUN
ejif-1975	64	18	.	.	PUNCT
ejif-1975	65	1	to	to	PART
ejif-1975	65	2	accomplish	accomplish	VERB
ejif-1975	65	3	our	our	PRON
ejif-1975	65	4	purpose	purpose	NOUN
ejif-1975	65	5	we	we	PRON
ejif-1975	65	6	form	form	VERB
ejif-1975	65	7	following	follow	VERB
ejif-1975	65	8	primary	primary	ADJ
ejif-1975	65	9	research	research	NOUN
ejif-1975	65	10	question	question	NOUN
ejif-1975	65	11	:	:	PUNCT
ejif-1975	65	12			ADJ
ejif-1975	65	13	which	which	PRON
ejif-1975	65	14	sector	sector	NOUN
ejif-1975	65	15	out	out	ADP
ejif-1975	65	16	of	of	ADP
ejif-1975	65	17	banking	banking	NOUN
ejif-1975	65	18	and	and	CCONJ
ejif-1975	65	19	insurance	insurance	NOUN
ejif-1975	65	20	is	be	AUX
ejif-1975	65	21	better	well	ADV
ejif-1975	65	22	employing	employ	VERB
ejif-1975	65	23	inputs	input	NOUN
ejif-1975	65	24	the	the	PRON
ejif-1975	65	25	in	in	ADP
ejif-1975	65	26	the	the	DET
ejif-1975	65	27	financial	financial	ADJ
ejif-1975	65	28	sector	sector	NOUN
ejif-1975	65	29	?	?	PUNCT
ejif-1975	66	1	this	this	DET
ejif-1975	66	2	main	main	ADJ
ejif-1975	66	3	research	research	NOUN
ejif-1975	66	4	question	question	NOUN
ejif-1975	66	5	will	will	AUX
ejif-1975	66	6	be	be	AUX
ejif-1975	66	7	answered	answer	VERB
ejif-1975	66	8	with	with	ADP
ejif-1975	66	9	the	the	DET
ejif-1975	66	10	help	help	NOUN
ejif-1975	66	11	of	of	ADP
ejif-1975	66	12	following	follow	VERB
ejif-1975	66	13	sub	sub	NOUN
ejif-1975	66	14	questions	question	NOUN
ejif-1975	66	15	:	:	PUNCT
ejif-1975	66	16			PRON
ejif-1975	66	17	which	which	PRON
ejif-1975	66	18	sector	sector	VERB
ejif-1975	66	19	out	out	ADP
ejif-1975	66	20	of	of	ADP
ejif-1975	66	21	banking	banking	NOUN
ejif-1975	66	22	and	and	CCONJ
ejif-1975	66	23	insurance	insurance	NOUN
ejif-1975	66	24	has	have	VERB
ejif-1975	66	25	better	well	ADJ
ejif-1975	66	26	technical	technical	ADJ
ejif-1975	66	27	efficiency	efficiency	NOUN
ejif-1975	66	28	?	?	PUNCT
ejif-1975	67	1			NOUN
ejif-1975	67	2	which	which	PRON
ejif-1975	67	3	sector	sector	VERB
ejif-1975	67	4	out	out	ADP
ejif-1975	67	5	of	of	ADP
ejif-1975	67	6	banking	banking	NOUN
ejif-1975	67	7	and	and	CCONJ
ejif-1975	67	8	insurance	insurance	NOUN
ejif-1975	67	9	has	have	VERB
ejif-1975	67	10	better	well	ADJ
ejif-1975	67	11	allocative	allocative	ADJ
ejif-1975	67	12	efficiency	efficiency	NOUN
ejif-1975	67	13	?	?	PUNCT
ejif-1975	68	1			NOUN
ejif-1975	68	2	which	which	PRON
ejif-1975	68	3	sector	sector	VERB
ejif-1975	68	4	out	out	ADP
ejif-1975	68	5	of	of	ADP
ejif-1975	68	6	banking	banking	NOUN
ejif-1975	68	7	and	and	CCONJ
ejif-1975	68	8	insurance	insurance	NOUN
ejif-1975	68	9	has	have	VERB
ejif-1975	68	10	better	well	ADJ
ejif-1975	68	11	scale	scale	NOUN
ejif-1975	68	12	efficiency	efficiency	NOUN
ejif-1975	68	13	?	?	PUNCT
ejif-1975	69	1			X
ejif-1975	70	1	the	the	DET
ejif-1975	70	2	islamisation	islamisation	NOUN
ejif-1975	70	3	of	of	ADP
ejif-1975	70	4	which	which	PRON
ejif-1975	70	5	sector	sector	NOUN
ejif-1975	70	6	has	have	VERB
ejif-1975	70	7	input	input	NOUN
ejif-1975	70	8	efficiency	efficiency	NOUN
ejif-1975	70	9	in	in	ADP
ejif-1975	70	10	financial	financial	ADJ
ejif-1975	70	11	sector	sector	NOUN
ejif-1975	70	12	?	?	PUNCT
ejif-1975	71	1	iii	iii	X
ejif-1975	71	2	.	.	PUNCT
ejif-1975	71	3	methodology	methodology	NOUN
ejif-1975	71	4	:	:	PUNCT
ejif-1975	72	1	a.	a.	NOUN
ejif-1975	72	2	what	what	PRON
ejif-1975	72	3	is	be	AUX
ejif-1975	72	4	data	datum	NOUN
ejif-1975	72	5	envelopment	envelopment	ADJ
ejif-1975	72	6	analysis	analysis	NOUN
ejif-1975	72	7	contemporary	contemporary	ADJ
ejif-1975	72	8	dea	dea	PROPN
ejif-1975	72	9	measures	measure	NOUN
ejif-1975	72	10	are	be	AUX
ejif-1975	72	11	based	base	VERB
ejif-1975	72	12	on	on	ADP
ejif-1975	72	13	linear	linear	ADJ
ejif-1975	72	14	programming	programming	NOUN
ejif-1975	72	15	and	and	CCONJ
ejif-1975	72	16	relevant	relevant	ADJ
ejif-1975	72	17	efficiency	efficiency	NOUN
ejif-1975	72	18	measures	measure	NOUN
ejif-1975	72	19	are	be	AUX
ejif-1975	72	20	bench	bench	NOUN
ejif-1975	72	21	marked	mark	VERB
ejif-1975	72	22	according	accord	VERB
ejif-1975	72	23	to	to	ADP
ejif-1975	72	24	best	good	ADJ
ejif-1975	72	25	available	available	ADJ
ejif-1975	72	26	practices	practice	NOUN
ejif-1975	72	27	of	of	ADP
ejif-1975	72	28	the	the	DET
ejif-1975	72	29	industry[5,25	industry[5,25	PROPN
ejif-1975	72	30	]	]	PUNCT
ejif-1975	72	31	.	.	PUNCT
ejif-1975	73	1	various	various	ADJ
ejif-1975	73	2	efficiency	efficiency	NOUN
ejif-1975	73	3	terms	term	NOUN
ejif-1975	73	4	are	be	AUX
ejif-1975	73	5	used	use	VERB
ejif-1975	73	6	in	in	ADP
ejif-1975	73	7	dea	dea	PROPN
ejif-1975	73	8	analysis	analysis	NOUN
ejif-1975	73	9	.	.	PUNCT
ejif-1975	74	1	firstly	firstly	ADV
ejif-1975	74	2	,	,	PUNCT
ejif-1975	74	3	by	by	ADP
ejif-1975	74	4	the	the	DET
ejif-1975	74	5	term	term	NOUN
ejif-1975	74	6	technical	technical	ADJ
ejif-1975	74	7	efficiency	efficiency	NOUN
ejif-1975	74	8	we	we	PRON
ejif-1975	74	9	mean	mean	VERB
ejif-1975	74	10	the	the	DET
ejif-1975	74	11	ability	ability	NOUN
ejif-1975	74	12	of	of	ADP
ejif-1975	74	13	a	a	DET
ejif-1975	74	14	firm	firm	NOUN
ejif-1975	74	15	to	to	PART
ejif-1975	74	16	convert	convert	VERB
ejif-1975	74	17	physical	physical	ADJ
ejif-1975	74	18	input	input	NOUN
ejif-1975	74	19	into	into	ADP
ejif-1975	74	20	output	output	NOUN
ejif-1975	74	21	according	accord	VERB
ejif-1975	74	22	to	to	ADP
ejif-1975	74	23	best	good	ADJ
ejif-1975	74	24	available	available	ADJ
ejif-1975	74	25	practices	practice	NOUN
ejif-1975	74	26	.	.	PUNCT
ejif-1975	75	1	accordingly	accordingly	ADV
ejif-1975	75	2	a	a	DET
ejif-1975	75	3	100	100	NUM
ejif-1975	75	4	%	%	NOUN
ejif-1975	75	5	technically	technically	ADV
ejif-1975	75	6	efficient	efficient	ADJ
ejif-1975	75	7	firm	firm	NOUN
ejif-1975	75	8	is	be	AUX
ejif-1975	75	9	the	the	DET
ejif-1975	75	10	one	one	NOUN
ejif-1975	75	11	that	that	PRON
ejif-1975	75	12	operates	operate	VERB
ejif-1975	75	13	100	100	NUM
ejif-1975	75	14	%	%	NOUN
ejif-1975	75	15	at	at	ADP
ejif-1975	75	16	the	the	DET
ejif-1975	75	17	level	level	NOUN
ejif-1975	75	18	of	of	ADP
ejif-1975	75	19	industry	industry	NOUN
ejif-1975	75	20	practices	practice	NOUN
ejif-1975	75	21	[	[	X
ejif-1975	75	22	5,31	5,31	NUM
ejif-1975	75	23	]	]	PUNCT
ejif-1975	75	24	.	.	PUNCT
ejif-1975	76	1	technical	technical	ADJ
ejif-1975	76	2	efficiency	efficiency	NOUN
ejif-1975	76	3	is	be	AUX
ejif-1975	76	4	affected	affect	VERB
ejif-1975	76	5	by	by	ADP
ejif-1975	76	6	expertise	expertise	NOUN
ejif-1975	76	7	,	,	PUNCT
ejif-1975	76	8	efficiency	efficiency	NOUN
ejif-1975	76	9	and	and	CCONJ
ejif-1975	76	10	systems	system	NOUN
ejif-1975	76	11	available	available	ADJ
ejif-1975	76	12	to	to	PART
ejif-1975	76	13	run	run	VERB
ejif-1975	76	14	an	an	DET
ejif-1975	76	15	organization	organization	NOUN
ejif-1975	76	16	more	more	ADJ
ejif-1975	76	17	than	than	ADP
ejif-1975	76	18	prices	price	NOUN
ejif-1975	76	19	of	of	ADP
ejif-1975	76	20	inputs	input	NOUN
ejif-1975	76	21	that	that	PRON
ejif-1975	76	22	do	do	AUX
ejif-1975	76	23	not	not	PART
ejif-1975	76	24	have	have	VERB
ejif-1975	76	25	direct	direct	ADJ
ejif-1975	76	26	affect	affect	NOUN
ejif-1975	76	27	on	on	ADP
ejif-1975	76	28	technical	technical	ADJ
ejif-1975	76	29	efficiency	efficiency	NOUN
ejif-1975	76	30	.	.	PUNCT
ejif-1975	77	1	allocative	allocative	ADJ
ejif-1975	77	2	efficiency	efficiency	NOUN
ejif-1975	77	3	is	be	AUX
ejif-1975	77	4	another	another	DET
ejif-1975	77	5	measurement	measurement	NOUN
ejif-1975	77	6	concept	concept	NOUN
ejif-1975	77	7	used	use	VERB
ejif-1975	77	8	in	in	ADP
ejif-1975	77	9	dea	dea	PROPN
ejif-1975	77	10	analysis	analysis	NOUN
ejif-1975	77	11	.	.	PUNCT
ejif-1975	78	1	the	the	DET
ejif-1975	78	2	use	use	NOUN
ejif-1975	78	3	of	of	ADP
ejif-1975	78	4	this	this	DET
ejif-1975	78	5	concept	concept	NOUN
ejif-1975	78	6	stems	stem	VERB
ejif-1975	78	7	from	from	ADP
ejif-1975	78	8	the	the	DET
ejif-1975	78	9	fact	fact	NOUN
ejif-1975	78	10	that	that	SCONJ
ejif-1975	78	11	an	an	DET
ejif-1975	78	12	organization	organization	NOUN
ejif-1975	78	13	that	that	PRON
ejif-1975	78	14	is	be	AUX
ejif-1975	78	15	100	100	NUM
ejif-1975	78	16	%	%	NOUN
ejif-1975	78	17	technically	technically	ADV
ejif-1975	78	18	efficient	efficient	ADJ
ejif-1975	78	19	may	may	AUX
ejif-1975	78	20	not	not	PART
ejif-1975	78	21	be	be	AUX
ejif-1975	78	22	using	use	VERB
ejif-1975	78	23	best	well	ADV
ejif-1975	78	24	available	available	ADJ
ejif-1975	78	25	prices	price	NOUN
ejif-1975	78	26	for	for	ADP
ejif-1975	78	27	the	the	DET
ejif-1975	78	28	acquisition	acquisition	NOUN
ejif-1975	78	29	of	of	ADP
ejif-1975	78	30	inputs	input	NOUN
ejif-1975	78	31	for	for	ADP
ejif-1975	78	32	its	its	PRON
ejif-1975	78	33	production	production	NOUN
ejif-1975	78	34	process	process	NOUN
ejif-1975	78	35	[	[	X
ejif-1975	78	36	5,28	5,28	X
ejif-1975	78	37	]	]	X
ejif-1975	78	38	.	.	PUNCT
ejif-1975	79	1	a	a	DET
ejif-1975	79	2	third	third	ADJ
ejif-1975	79	3	efficiency	efficiency	NOUN
ejif-1975	79	4	measure	measure	NOUN
ejif-1975	79	5	deployed	deploy	VERB
ejif-1975	79	6	in	in	ADP
ejif-1975	79	7	dea	dea	NOUN
ejif-1975	79	8	analysis	analysis	NOUN
ejif-1975	79	9	is	be	AUX
ejif-1975	79	10	cost	cost	NOUN
ejif-1975	79	11	efficiency	efficiency	NOUN
ejif-1975	79	12	which	which	PRON
ejif-1975	79	13	is	be	AUX
ejif-1975	79	14	based	base	VERB
ejif-1975	79	15	on	on	ADP
ejif-1975	79	16	both	both	CCONJ
ejif-1975	79	17	technical	technical	ADJ
ejif-1975	79	18	and	and	CCONJ
ejif-1975	79	19	allocative	allocative	ADJ
ejif-1975	79	20	efficiency	efficiency	NOUN
ejif-1975	79	21	.	.	PUNCT
ejif-1975	80	1	a	a	DET
ejif-1975	80	2	firm	firm	NOUN
ejif-1975	80	3	can	can	AUX
ejif-1975	80	4	achieve	achieve	VERB
ejif-1975	80	5	cost	cost	NOUN
ejif-1975	80	6	efficiency	efficiency	NOUN
ejif-1975	80	7	only	only	ADV
ejif-1975	80	8	if	if	SCONJ
ejif-1975	80	9	it	it	PRON
ejif-1975	80	10	can	can	AUX
ejif-1975	80	11	achieve	achieve	VERB
ejif-1975	80	12	technical	technical	ADJ
ejif-1975	80	13	and	and	CCONJ
ejif-1975	80	14	allocative	allocative	ADJ
ejif-1975	80	15	efficiency	efficiency	NOUN
ejif-1975	80	16	.	.	PUNCT
ejif-1975	81	1	it	it	PRON
ejif-1975	81	2	is	be	AUX
ejif-1975	81	3	measured	measure	VERB
ejif-1975	81	4	by	by	ADP
ejif-1975	81	5	taking	take	VERB
ejif-1975	81	6	the	the	DET
ejif-1975	81	7	product	product	NOUN
ejif-1975	81	8	of	of	ADP
ejif-1975	81	9	technical	technical	ADJ
ejif-1975	81	10	and	and	CCONJ
ejif-1975	81	11	allocative	allocative	ADJ
ejif-1975	81	12	efficiency	efficiency	NOUN
ejif-1975	82	1	[	[	X
ejif-1975	82	2	5,30	5,30	NUM
ejif-1975	82	3	]	]	PUNCT
ejif-1975	82	4	.	.	PUNCT
ejif-1975	83	1	the	the	DET
ejif-1975	83	2	concepts	concept	NOUN
ejif-1975	83	3	have	have	AUX
ejif-1975	83	4	been	be	AUX
ejif-1975	83	5	explained	explain	VERB
ejif-1975	83	6	in	in	ADP
ejif-1975	83	7	the	the	DET
ejif-1975	83	8	figure	figure	NOUN
ejif-1975	83	9	1	1	NUM
ejif-1975	83	10	hereunder	hereunder	NOUN
ejif-1975	83	11	.	.	PUNCT
ejif-1975	84	1	figure	figure	NOUN
ejif-1975	84	2	1	1	NUM
ejif-1975	84	3	.	.	PUNCT
ejif-1975	84	4	isoquant	isoquant	ADJ
ejif-1975	84	5	curve	curve	NOUN
ejif-1975	84	6	representing	represent	VERB
ejif-1975	84	7	efficiencies	efficiency	NOUN
ejif-1975	84	8	the	the	DET
ejif-1975	84	9	figure	figure	NOUN
ejif-1975	84	10	1	1	NUM
ejif-1975	84	11	above	above	ADV
ejif-1975	84	12	shows	show	VERB
ejif-1975	84	13	a	a	DET
ejif-1975	84	14	curve	curve	NOUN
ejif-1975	84	15	which	which	PRON
ejif-1975	84	16	represents	represent	VERB
ejif-1975	84	17	various	various	ADJ
ejif-1975	84	18	combinations	combination	NOUN
ejif-1975	84	19	of	of	ADP
ejif-1975	84	20	inputs	input	NOUN
ejif-1975	84	21	required	require	VERB
ejif-1975	84	22	to	to	PART
ejif-1975	84	23	produce	produce	VERB
ejif-1975	84	24	a	a	DET
ejif-1975	84	25	unit	unit	NOUN
ejif-1975	84	26	of	of	ADP
ejif-1975	84	27	output	output	NOUN
ejif-1975	84	28	.	.	PUNCT
ejif-1975	85	1	this	this	DET
ejif-1975	85	2	curve	curve	NOUN
ejif-1975	85	3	is	be	AUX
ejif-1975	85	4	known	know	VERB
ejif-1975	85	5	as	as	ADP
ejif-1975	85	6	isoquant	isoquant	ADJ
ejif-1975	85	7	curve	curve	NOUN
ejif-1975	85	8	or	or	CCONJ
ejif-1975	85	9	efficiency	efficiency	NOUN
ejif-1975	85	10	frontier	frontier	NOUN
ejif-1975	85	11	and	and	CCONJ
ejif-1975	85	12	represents	represent	VERB
ejif-1975	85	13	expertise	expertise	NOUN
ejif-1975	85	14	,	,	PUNCT
ejif-1975	85	15	efficiency	efficiency	NOUN
ejif-1975	85	16	and	and	CCONJ
ejif-1975	85	17	systems	system	NOUN
ejif-1975	85	18	available	available	ADJ
ejif-1975	85	19	to	to	ADP
ejif-1975	85	20	the	the	DET
ejif-1975	85	21	enterprise	enterprise	NOUN
ejif-1975	85	22	for	for	ADP
ejif-1975	85	23	production	production	NOUN
ejif-1975	85	24	.	.	PUNCT
ejif-1975	86	1	a	a	DET
ejif-1975	86	2	firm	firm	NOUN
ejif-1975	86	3	can	can	AUX
ejif-1975	86	4	move	move	VERB
ejif-1975	86	5	along	along	ADP
ejif-1975	86	6	this	this	DET
ejif-1975	86	7	curve	curve	NOUN
ejif-1975	86	8	for	for	ADP
ejif-1975	86	9	utilizing	utilize	VERB
ejif-1975	86	10	various	various	ADJ
ejif-1975	86	11	combinations	combination	NOUN
ejif-1975	86	12	of	of	ADP
ejif-1975	86	13	input	input	NOUN
ejif-1975	86	14	to	to	PART
ejif-1975	86	15	produce	produce	VERB
ejif-1975	86	16	given	give	VERB
ejif-1975	86	17	unit(s	unit(s	PROPN
ejif-1975	86	18	)	)	PUNCT
ejif-1975	86	19	of	of	ADP
ejif-1975	86	20	output	output	NOUN
ejif-1975	86	21	.	.	PUNCT
ejif-1975	87	1	a	a	DET
ejif-1975	87	2	firm	firm	NOUN
ejif-1975	87	3	is	be	AUX
ejif-1975	87	4	considered	consider	VERB
ejif-1975	87	5	technically	technically	ADV
ejif-1975	87	6	efficient	efficient	ADJ
ejif-1975	87	7	only	only	ADV
ejif-1975	87	8	if	if	SCONJ
ejif-1975	87	9	it	it	PRON
ejif-1975	87	10	produces	produce	VERB
ejif-1975	87	11	along	along	ADP
ejif-1975	87	12	this	this	DET
ejif-1975	87	13	curve	curve	NOUN
ejif-1975	87	14	.	.	PUNCT
ejif-1975	88	1	in	in	ADP
ejif-1975	88	2	the	the	DET
ejif-1975	88	3	figure	figure	NOUN
ejif-1975	88	4	1	1	NUM
ejif-1975	88	5	budget	budget	NOUN
ejif-1975	88	6	line	line	NOUN
ejif-1975	88	7	is	be	AUX
ejif-1975	88	8	also	also	ADV
ejif-1975	88	9	drawn	draw	VERB
ejif-1975	88	10	as	as	ADP
ejif-1975	88	11	a	a	DET
ejif-1975	88	12	straight	straight	ADJ
ejif-1975	88	13	line	line	NOUN
ejif-1975	88	14	drawn	draw	VERB
ejif-1975	88	15	tangent	tangent	NOUN
ejif-1975	88	16	to	to	ADP
ejif-1975	88	17	the	the	DET
ejif-1975	88	18	isuquant	isuquant	PROPN
ejif-1975	88	19	curve	curve	NOUN
ejif-1975	88	20	.	.	PUNCT
ejif-1975	89	1	this	this	PRON
ejif-1975	89	2	shows	show	VERB
ejif-1975	89	3	combinations	combination	NOUN
ejif-1975	89	4	of	of	ADP
ejif-1975	89	5	inputs	input	NOUN
ejif-1975	89	6	that	that	PRON
ejif-1975	89	7	have	have	VERB
ejif-1975	89	8	the	the	DET
ejif-1975	89	9	same	same	ADJ
ejif-1975	89	10	level	level	NOUN
ejif-1975	89	11	of	of	ADP
ejif-1975	89	12	cost	cost	NOUN
ejif-1975	89	13	.	.	PUNCT
ejif-1975	90	1	the	the	DET
ejif-1975	90	2	slope	slope	NOUN
ejif-1975	90	3	of	of	ADP
ejif-1975	90	4	the	the	DET
ejif-1975	90	5	budget	budget	NOUN
ejif-1975	90	6	line	line	NOUN
ejif-1975	90	7	is	be	AUX
ejif-1975	90	8	negative	negative	ADJ
ejif-1975	90	9	which	which	PRON
ejif-1975	90	10	shows	show	VERB
ejif-1975	90	11	the	the	DET
ejif-1975	90	12	firm	firm	NOUN
ejif-1975	90	13	will	will	AUX
ejif-1975	90	14	have	have	VERB
ejif-1975	90	15	to	to	PART
ejif-1975	90	16	reduce	reduce	VERB
ejif-1975	90	17	one	one	NUM
ejif-1975	90	18	input	input	NOUN
ejif-1975	90	19	labor	labor	NOUN
ejif-1975	90	20	in	in	ADP
ejif-1975	90	21	our	our	PRON
ejif-1975	90	22	diagram	diagram	NOUN
ejif-1975	90	23	to	to	PART
ejif-1975	90	24	increase	increase	VERB
ejif-1975	90	25	the	the	DET
ejif-1975	90	26	quantity	quantity	NOUN
ejif-1975	90	27	of	of	ADP
ejif-1975	90	28	other	other	ADJ
ejif-1975	90	29	input	input	NOUN
ejif-1975	90	30	capital	capital	NOUN
ejif-1975	90	31	in	in	ADP
ejif-1975	90	32	our	our	PRON
ejif-1975	90	33	case	case	NOUN
ejif-1975	90	34	.	.	PUNCT
ejif-1975	91	1	closer	close	ADJ
ejif-1975	91	2	to	to	ADP
ejif-1975	91	3	the	the	DET
ejif-1975	91	4	origin	origin	NOUN
ejif-1975	91	5	“	"	PUNCT
ejif-1975	91	6	o	o	NOUN
ejif-1975	91	7	”	"	PUNCT
ejif-1975	91	8	budget	budget	NOUN
ejif-1975	91	9	line	line	NOUN
ejif-1975	91	10	shows	show	VERB
ejif-1975	91	11	lower	low	ADJ
ejif-1975	91	12	overall	overall	ADJ
ejif-1975	91	13	cost	cost	NOUN
ejif-1975	91	14	and	and	CCONJ
ejif-1975	91	15	vice	vice	NOUN
ejif-1975	91	16	versa	versa	ADV
ejif-1975	91	17	.	.	PUNCT
ejif-1975	92	1	the	the	DET
ejif-1975	92	2	point	point	NOUN
ejif-1975	92	3	of	of	ADP
ejif-1975	92	4	tangency	tangency	NOUN
ejif-1975	92	5	“	"	PUNCT
ejif-1975	92	6	e	e	NOUN
ejif-1975	92	7	”	"	PUNCT
ejif-1975	92	8	shows	show	VERB
ejif-1975	92	9	the	the	DET
ejif-1975	92	10	combination	combination	NOUN
ejif-1975	92	11	which	which	PRON
ejif-1975	92	12	entails	entail	VERB
ejif-1975	92	13	all	all	DET
ejif-1975	92	14	three	three	NUM
ejif-1975	92	15	efficiencies	efficiency	NOUN
ejif-1975	92	16	i.e.	i.e.	X
ejif-1975	92	17	,	,	PUNCT
ejif-1975	92	18	technical	technical	ADJ
ejif-1975	92	19	,	,	PUNCT
ejif-1975	92	20	allocative	allocative	ADJ
ejif-1975	92	21	and	and	CCONJ
ejif-1975	92	22	cost	cost	NOUN
ejif-1975	92	23	.	.	PUNCT
ejif-1975	93	1	the	the	DET
ejif-1975	93	2	line	line	NOUN
ejif-1975	93	3	oa	oa	INTJ
ejif-1975	93	4	in	in	ADP
ejif-1975	93	5	the	the	DET
ejif-1975	93	6	diagram	diagram	NOUN
ejif-1975	93	7	represents	represent	VERB
ejif-1975	93	8	a	a	DET
ejif-1975	93	9	technically	technically	ADV
ejif-1975	93	10	inefficient	inefficient	ADJ
ejif-1975	93	11	point	point	NOUN
ejif-1975	93	12	“	"	PUNCT
ejif-1975	93	13	a	a	PRON
ejif-1975	93	14	”	"	PUNCT
ejif-1975	93	15	because	because	SCONJ
ejif-1975	93	16	more	more	ADJ
ejif-1975	93	17	inputs	input	NOUN
ejif-1975	93	18	are	be	AUX
ejif-1975	93	19	required	require	VERB
ejif-1975	93	20	at	at	ADP
ejif-1975	93	21	this	this	DET
ejif-1975	93	22	point	point	NOUN
ejif-1975	93	23	to	to	PART
ejif-1975	93	24	produce	produce	VERB
ejif-1975	93	25	a	a	DET
ejif-1975	93	26	unit	unit	NOUN
ejif-1975	93	27	of	of	ADP
ejif-1975	93	28	output	output	NOUN
ejif-1975	93	29	as	as	ADP
ejif-1975	93	30	compared	compare	VERB
ejif-1975	93	31	with	with	ADP
ejif-1975	93	32	point	point	NOUN
ejif-1975	93	33	“	"	PUNCT
ejif-1975	93	34	b	b	NOUN
ejif-1975	93	35	”	"	PUNCT
ejif-1975	93	36	which	which	PRON
ejif-1975	93	37	lies	lie	VERB
ejif-1975	93	38	on	on	ADP
ejif-1975	93	39	the	the	DET
ejif-1975	93	40	efficient	efficient	ADJ
ejif-1975	93	41	isoquant	isoquant	NOUN
ejif-1975	93	42	.	.	PUNCT
ejif-1975	94	1	the	the	DET
ejif-1975	94	2	point	point	NOUN
ejif-1975	94	3	“	"	PUNCT
ejif-1975	94	4	b	b	X
ejif-1975	94	5	”	"	PUNCT
ejif-1975	94	6	is	be	AUX
ejif-1975	94	7	technically	technically	ADV
ejif-1975	94	8	efficient	efficient	ADJ
ejif-1975	94	9	but	but	CCONJ
ejif-1975	94	10	not	not	PART
ejif-1975	94	11	cost	cost	VERB
ejif-1975	94	12	efficient	efficient	ADJ
ejif-1975	94	13	because	because	SCONJ
ejif-1975	94	14	it	it	PRON
ejif-1975	94	15	lies	lie	VERB
ejif-1975	94	16	above	above	ADP
ejif-1975	94	17	the	the	DET
ejif-1975	94	18	budget	budget	NOUN
ejif-1975	94	19	line	line	NOUN
ejif-1975	94	20	which	which	PRON
ejif-1975	94	21	is	be	AUX
ejif-1975	94	22	tangent	tangent	NOUN
ejif-1975	94	23	to	to	ADP
ejif-1975	94	24	the	the	DET
ejif-1975	94	25	isoquant	isoquant	ADJ
ejif-1975	94	26	curve	curve	NOUN
ejif-1975	94	27	at	at	ADP
ejif-1975	94	28	point	point	NOUN
ejif-1975	94	29	“	"	PUNCT
ejif-1975	94	30	e	e	NOUN
ejif-1975	94	31	”	"	PUNCT
ejif-1975	94	32	.	.	PUNCT
ejif-1975	95	1	the	the	DET
ejif-1975	95	2	point	point	NOUN
ejif-1975	95	3	“	"	PUNCT
ejif-1975	95	4	e	e	NOUN
ejif-1975	95	5	”	"	PUNCT
ejif-1975	95	6	therefore	therefore	ADV
ejif-1975	95	7	is	be	AUX
ejif-1975	95	8	a	a	DET
ejif-1975	95	9	point	point	NOUN
ejif-1975	95	10	of	of	ADP
ejif-1975	95	11	production	production	NOUN
ejif-1975	95	12	that	that	PRON
ejif-1975	95	13	entails	entail	VERB
ejif-1975	95	14	all	all	DET
ejif-1975	95	15	technical	technical	ADJ
ejif-1975	95	16	,	,	PUNCT
ejif-1975	95	17	allocative	allocative	ADJ
ejif-1975	95	18	and	and	CCONJ
ejif-1975	95	19	cost	cost	NOUN
ejif-1975	95	20	efficiency	efficiency	NOUN
ejif-1975	95	21	.	.	PUNCT
ejif-1975	96	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	96	2	ejif	ejif	PROPN
ejif-1975	96	3	–	–	PUNCT
ejif-1975	96	4	european	european	PROPN
ejif-1975	96	5	journal	journal	PROPN
ejif-1975	96	6	of	of	ADP
ejif-1975	96	7	islamic	islamic	PROPN
ejif-1975	96	8	finance	finance	PROPN
ejif-1975	96	9	no	no	DET
ejif-1975	96	10	6	6	NUM
ejif-1975	96	11	,	,	PUNCT
ejif-1975	96	12	feb	feb	X
ejif-1975	96	13	(	(	PUNCT
ejif-1975	96	14	2017	2017	NUM
ejif-1975	96	15	)	)	PUNCT
ejif-1975	97	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	97	2	issn	issn	VERB
ejif-1975	97	3	2421	2421	NUM
ejif-1975	97	4	-	-	SYM
ejif-1975	97	5	2172	2172	NUM
ejif-1975	97	6	4	4	NUM
ejif-1975	97	7	if	if	SCONJ
ejif-1975	97	8	an	an	DET
ejif-1975	97	9	organization	organization	NOUN
ejif-1975	97	10	moves	move	VERB
ejif-1975	97	11	from	from	ADP
ejif-1975	97	12	point	point	NOUN
ejif-1975	97	13	“	"	PUNCT
ejif-1975	97	14	a	a	PRON
ejif-1975	97	15	”	"	PUNCT
ejif-1975	97	16	and	and	CCONJ
ejif-1975	97	17	starts	start	VERB
ejif-1975	97	18	producing	produce	VERB
ejif-1975	97	19	at	at	ADP
ejif-1975	97	20	point	point	NOUN
ejif-1975	97	21	“	"	PUNCT
ejif-1975	97	22	e	e	NOUN
ejif-1975	97	23	”	"	PUNCT
ejif-1975	97	24	it	it	PRON
ejif-1975	97	25	will	will	AUX
ejif-1975	97	26	increase	increase	VERB
ejif-1975	97	27	its	its	PRON
ejif-1975	97	28	cost	cost	NOUN
ejif-1975	97	29	efficiency	efficiency	NOUN
ejif-1975	97	30	by	by	ADP
ejif-1975	97	31	(	(	PUNCT
ejif-1975	97	32	oaoc	oaoc	NOUN
ejif-1975	97	33	/	/	SYM
ejif-1975	97	34	oa	oa	PROPN
ejif-1975	97	35	)	)	PUNCT
ejif-1975	97	36	.	.	PUNCT
ejif-1975	98	1	this	this	DET
ejif-1975	98	2	improvement	improvement	NOUN
ejif-1975	98	3	consists	consist	VERB
ejif-1975	98	4	of	of	ADP
ejif-1975	98	5	improved	improved	ADJ
ejif-1975	98	6	technical	technical	ADJ
ejif-1975	98	7	efficiency	efficiency	NOUN
ejif-1975	98	8	by	by	ADP
ejif-1975	98	9	(	(	PUNCT
ejif-1975	98	10	oa	oa	INTJ
ejif-1975	98	11	-	-	PUNCT
ejif-1975	98	12	ob	ob	NOUN
ejif-1975	98	13	/	/	SYM
ejif-1975	98	14	oa	oa	PROPN
ejif-1975	98	15	)	)	PUNCT
ejif-1975	98	16	and	and	CCONJ
ejif-1975	98	17	improvement	improvement	NOUN
ejif-1975	98	18	in	in	ADP
ejif-1975	98	19	allocative	allocative	ADJ
ejif-1975	98	20	efficiency	efficiency	NOUN
ejif-1975	98	21	by	by	ADP
ejif-1975	98	22	(	(	PUNCT
ejif-1975	98	23	ob	ob	NOUN
ejif-1975	98	24	-	-	NOUN
ejif-1975	98	25	oc	oc	NOUN
ejif-1975	98	26	/	/	SYM
ejif-1975	98	27	ob	ob	NOUN
ejif-1975	98	28	)	)	PUNCT
ejif-1975	98	29	.	.	PUNCT
ejif-1975	99	1	apart	apart	ADV
ejif-1975	99	2	from	from	ADP
ejif-1975	99	3	technical	technical	ADJ
ejif-1975	99	4	allocative	allocative	NOUN
ejif-1975	99	5	and	and	CCONJ
ejif-1975	99	6	cost	cost	NOUN
ejif-1975	99	7	efficiencies	efficiency	NOUN
ejif-1975	99	8	many	many	ADJ
ejif-1975	99	9	studies	study	NOUN
ejif-1975	99	10	also	also	ADV
ejif-1975	99	11	analyze	analyze	VERB
ejif-1975	99	12	technical	technical	ADJ
ejif-1975	99	13	efficiency	efficiency	NOUN
ejif-1975	99	14	by	by	ADP
ejif-1975	99	15	taking	take	VERB
ejif-1975	99	16	another	another	DET
ejif-1975	99	17	measure	measure	NOUN
ejif-1975	99	18	namely	namely	ADV
ejif-1975	99	19	“	"	PUNCT
ejif-1975	99	20	scale	scale	NOUN
ejif-1975	99	21	efficiency	efficiency	NOUN
ejif-1975	99	22	(	(	PUNCT
ejif-1975	99	23	se	se	ADJ
ejif-1975	99	24	)	)	PUNCT
ejif-1975	99	25	”	"	PUNCT
ejif-1975	100	1	[	[	X
ejif-1975	100	2	16	16	NUM
ejif-1975	100	3	]	]	PUNCT
ejif-1975	100	4	.	.	PUNCT
ejif-1975	101	1	this	this	PRON
ejif-1975	101	2	is	be	AUX
ejif-1975	101	3	ascertained	ascertain	VERB
ejif-1975	101	4	by	by	ADP
ejif-1975	101	5	dividing	divide	VERB
ejif-1975	101	6	technical	technical	ADJ
ejif-1975	101	7	efficiency	efficiency	NOUN
ejif-1975	101	8	on	on	ADP
ejif-1975	101	9	“	"	PUNCT
ejif-1975	101	10	constant	constant	ADJ
ejif-1975	101	11	return	return	NOUN
ejif-1975	101	12	to	to	ADP
ejif-1975	101	13	scale	scale	NOUN
ejif-1975	101	14	(	(	PUNCT
ejif-1975	101	15	crs	crs	PROPN
ejif-1975	101	16	)	)	PUNCT
ejif-1975	101	17	”	"	PUNCT
ejif-1975	101	18	on	on	ADP
ejif-1975	101	19	“	"	PUNCT
ejif-1975	101	20	variable	variable	ADJ
ejif-1975	101	21	return	return	NOUN
ejif-1975	101	22	to	to	ADP
ejif-1975	101	23	scale	scale	NOUN
ejif-1975	101	24	(	(	PUNCT
ejif-1975	101	25	vrs	vrs	ADJ
ejif-1975	101	26	)	)	PUNCT
ejif-1975	101	27	”	"	PUNCT
ejif-1975	101	28	basis	basis	NOUN
ejif-1975	101	29	.	.	PUNCT
ejif-1975	102	1	if	if	SCONJ
ejif-1975	102	2	there	there	PRON
ejif-1975	102	3	arises	arise	VERB
ejif-1975	102	4	difference	difference	NOUN
ejif-1975	102	5	in	in	ADP
ejif-1975	102	6	the	the	DET
ejif-1975	102	7	technical	technical	ADJ
ejif-1975	102	8	efficiency	efficiency	NOUN
ejif-1975	102	9	at	at	ADP
ejif-1975	102	10	both	both	CCONJ
ejif-1975	102	11	the	the	DET
ejif-1975	102	12	above	above	ADJ
ejif-1975	102	13	two	two	NUM
ejif-1975	102	14	scales	scale	NOUN
ejif-1975	102	15	it	it	PRON
ejif-1975	102	16	proves	prove	VERB
ejif-1975	102	17	that	that	SCONJ
ejif-1975	102	18	there	there	PRON
ejif-1975	102	19	exists	exist	VERB
ejif-1975	102	20	scale	scale	NOUN
ejif-1975	102	21	inefficiency	inefficiency	NOUN
ejif-1975	102	22	.	.	PUNCT
ejif-1975	103	1	se	se	PROPN
ejif-1975	103	2	exists	exist	VERB
ejif-1975	103	3	when	when	SCONJ
ejif-1975	103	4	a	a	DET
ejif-1975	103	5	production	production	NOUN
ejif-1975	103	6	unit	unit	NOUN
ejif-1975	103	7	maximizes	maximize	VERB
ejif-1975	103	8	its	its	PRON
ejif-1975	103	9	output	output	NOUN
ejif-1975	103	10	at	at	ADP
ejif-1975	103	11	a	a	DET
ejif-1975	103	12	given	give	VERB
ejif-1975	103	13	return	return	NOUN
ejif-1975	103	14	to	to	ADP
ejif-1975	103	15	scale	scale	VERB
ejif-1975	103	16	and	and	CCONJ
ejif-1975	103	17	operating	operate	VERB
ejif-1975	103	18	at	at	ADP
ejif-1975	103	19	constant	constant	ADJ
ejif-1975	103	20	return	return	NOUN
ejif-1975	103	21	to	to	PART
ejif-1975	103	22	scale	scale	VERB
ejif-1975	103	23	it	it	PRON
ejif-1975	103	24	increases	increase	VERB
ejif-1975	103	25	or	or	CCONJ
ejif-1975	103	26	decreases	decrease	VERB
ejif-1975	103	27	its	its	PRON
ejif-1975	103	28	output	output	NOUN
ejif-1975	103	29	.	.	PUNCT
ejif-1975	104	1	the	the	DET
ejif-1975	104	2	result	result	NOUN
ejif-1975	104	3	will	will	AUX
ejif-1975	104	4	be	be	AUX
ejif-1975	104	5	either	either	CCONJ
ejif-1975	104	6	increased	increase	VERB
ejif-1975	104	7	scale	scale	NOUN
ejif-1975	104	8	efficiency	efficiency	NOUN
ejif-1975	104	9	or	or	CCONJ
ejif-1975	104	10	decreased	decrease	VERB
ejif-1975	104	11	.	.	PUNCT
ejif-1975	105	1	an	an	DET
ejif-1975	105	2	explanation	explanation	NOUN
ejif-1975	105	3	of	of	ADP
ejif-1975	105	4	“	"	PUNCT
ejif-1975	105	5	scale	scale	NOUN
ejif-1975	105	6	efficiency	efficiency	NOUN
ejif-1975	105	7	”	"	PUNCT
ejif-1975	105	8	has	have	AUX
ejif-1975	105	9	been	be	AUX
ejif-1975	105	10	given	give	VERB
ejif-1975	105	11	using	use	VERB
ejif-1975	105	12	figure	figure	NOUN
ejif-1975	105	13	2	2	NUM
ejif-1975	105	14	hereunder	hereunder	NOUN
ejif-1975	105	15	:	:	PUNCT
ejif-1975	105	16	figure	figure	NOUN
ejif-1975	105	17	2	2	NUM
ejif-1975	105	18	.	.	PUNCT
ejif-1975	105	19	constant	constant	ADJ
ejif-1975	105	20	and	and	CCONJ
ejif-1975	105	21	variable	variable	ADJ
ejif-1975	105	22	returns	return	NOUN
ejif-1975	105	23	to	to	PART
ejif-1975	105	24	scale	scale	VERB
ejif-1975	105	25	figure	figure	NOUN
ejif-1975	105	26	2	2	NUM
ejif-1975	105	27	has	have	AUX
ejif-1975	105	28	been	be	AUX
ejif-1975	105	29	drawn	draw	VERB
ejif-1975	105	30	with	with	ADP
ejif-1975	105	31	the	the	DET
ejif-1975	105	32	help	help	NOUN
ejif-1975	105	33	of	of	ADP
ejif-1975	105	34	one	one	NUM
ejif-1975	105	35	input	input	NOUN
ejif-1975	105	36	variable	variable	ADJ
ejif-1975	105	37	“	"	PUNCT
ejif-1975	105	38	b	b	NOUN
ejif-1975	105	39	”	"	PUNCT
ejif-1975	105	40	on	on	ADP
ejif-1975	105	41	horizontal	horizontal	ADJ
ejif-1975	105	42	axis	axis	NOUN
ejif-1975	105	43	and	and	CCONJ
ejif-1975	105	44	one	one	NUM
ejif-1975	105	45	output	output	NOUN
ejif-1975	105	46	variable	variable	NOUN
ejif-1975	105	47	“	"	PUNCT
ejif-1975	105	48	a	a	PROPN
ejif-1975	105	49	”	"	PUNCT
ejif-1975	105	50	on	on	ADP
ejif-1975	105	51	the	the	DET
ejif-1975	105	52	vertical	vertical	ADJ
ejif-1975	105	53	axis	axis	NOUN
ejif-1975	105	54	.	.	PUNCT
ejif-1975	106	1	productivity	productivity	NOUN
ejif-1975	106	2	under	under	ADP
ejif-1975	106	3	constant	constant	ADJ
ejif-1975	106	4	return	return	NOUN
ejif-1975	106	5	to	to	ADP
ejif-1975	106	6	scale	scale	NOUN
ejif-1975	106	7	(	(	PUNCT
ejif-1975	106	8	crs	crs	PROPN
ejif-1975	106	9	)	)	PUNCT
ejif-1975	106	10	is	be	AUX
ejif-1975	106	11	shown	show	VERB
ejif-1975	106	12	as	as	ADP
ejif-1975	106	13	a	a	DET
ejif-1975	106	14	straight	straight	ADJ
ejif-1975	106	15	line	line	NOUN
ejif-1975	106	16	emanating	emanate	VERB
ejif-1975	106	17	from	from	ADP
ejif-1975	106	18	point	point	NOUN
ejif-1975	106	19	“	"	PUNCT
ejif-1975	106	20	o	o	NOUN
ejif-1975	106	21	”	"	PUNCT
ejif-1975	106	22	touching	touch	VERB
ejif-1975	106	23	the	the	DET
ejif-1975	106	24	top	top	NOUN
ejif-1975	106	25	of	of	ADP
ejif-1975	106	26	the	the	DET
ejif-1975	106	27	box	box	NOUN
ejif-1975	106	28	rising	rise	VERB
ejif-1975	106	29	gradually	gradually	ADV
ejif-1975	106	30	,	,	PUNCT
ejif-1975	106	31	while	while	SCONJ
ejif-1975	106	32	productivity	productivity	NOUN
ejif-1975	106	33	under	under	ADP
ejif-1975	106	34	variable	variable	ADJ
ejif-1975	106	35	return	return	NOUN
ejif-1975	106	36	to	to	ADP
ejif-1975	106	37	scale	scale	NOUN
ejif-1975	106	38	(	(	PUNCT
ejif-1975	106	39	vrs	vrs	ADJ
ejif-1975	106	40	)	)	PUNCT
ejif-1975	106	41	is	be	AUX
ejif-1975	106	42	a	a	DET
ejif-1975	106	43	curve	curve	NOUN
ejif-1975	106	44	that	that	PRON
ejif-1975	106	45	takes	take	VERB
ejif-1975	106	46	various	various	ADJ
ejif-1975	106	47	slopes	slope	NOUN
ejif-1975	106	48	touches	touch	VERB
ejif-1975	106	49	crs	crs	PROPN
ejif-1975	106	50	curve	curve	NOUN
ejif-1975	106	51	and	and	CCONJ
ejif-1975	106	52	moves	move	NOUN
ejif-1975	106	53	further	far	ADV
ejif-1975	106	54	.	.	PUNCT
ejif-1975	107	1	under	under	ADP
ejif-1975	107	2	constant	constant	ADJ
ejif-1975	107	3	return	return	NOUN
ejif-1975	107	4	to	to	PART
ejif-1975	107	5	scale	scale	VERB
ejif-1975	107	6	assumption	assumption	NOUN
ejif-1975	107	7	the	the	DET
ejif-1975	107	8	technical	technical	ADJ
ejif-1975	107	9	efficiency	efficiency	NOUN
ejif-1975	107	10	is	be	AUX
ejif-1975	107	11	between	between	ADP
ejif-1975	107	12	the	the	DET
ejif-1975	107	13	point	point	NOUN
ejif-1975	107	14	“	"	PUNCT
ejif-1975	107	15	e	e	NOUN
ejif-1975	107	16	”	"	PUNCT
ejif-1975	107	17	and	and	CCONJ
ejif-1975	107	18	pc	pc	NOUN
ejif-1975	107	19	and	and	CCONJ
ejif-1975	107	20	under	under	ADP
ejif-1975	107	21	variable	variable	ADJ
ejif-1975	107	22	return	return	NOUN
ejif-1975	107	23	to	to	PART
ejif-1975	107	24	scale	scale	VERB
ejif-1975	107	25	the	the	DET
ejif-1975	107	26	technical	technical	ADJ
ejif-1975	107	27	efficiency	efficiency	NOUN
ejif-1975	107	28	is	be	AUX
ejif-1975	107	29	between	between	ADP
ejif-1975	107	30	the	the	DET
ejif-1975	107	31	points	point	NOUN
ejif-1975	107	32	“	"	PUNCT
ejif-1975	107	33	e	e	NOUN
ejif-1975	107	34	”	"	PUNCT
ejif-1975	107	35	and	and	CCONJ
ejif-1975	107	36	“	"	PUNCT
ejif-1975	107	37	pv	pv	INTJ
ejif-1975	107	38	”	"	PUNCT
ejif-1975	107	39	.	.	PUNCT
ejif-1975	108	1	the	the	DET
ejif-1975	108	2	distance	distance	NOUN
ejif-1975	108	3	between	between	ADP
ejif-1975	108	4	the	the	DET
ejif-1975	108	5	two	two	NUM
ejif-1975	108	6	points	point	NOUN
ejif-1975	108	7	which	which	PRON
ejif-1975	108	8	are	be	AUX
ejif-1975	108	9	also	also	ADV
ejif-1975	108	10	labeled	label	VERB
ejif-1975	108	11	as	as	ADP
ejif-1975	108	12	“	"	PUNCT
ejif-1975	108	13	c	c	NOUN
ejif-1975	108	14	”	"	PUNCT
ejif-1975	108	15	and	and	CCONJ
ejif-1975	108	16	“	"	PUNCT
ejif-1975	108	17	d	d	NOUN
ejif-1975	108	18	”	"	PUNCT
ejif-1975	108	19	in	in	ADP
ejif-1975	108	20	the	the	DET
ejif-1975	108	21	figure	figure	NOUN
ejif-1975	108	22	3	3	NUM
ejif-1975	108	23	,	,	PUNCT
ejif-1975	108	24	is	be	AUX
ejif-1975	108	25	due	due	ADJ
ejif-1975	108	26	to	to	ADP
ejif-1975	108	27	“	"	PUNCT
ejif-1975	108	28	scale	scale	NOUN
ejif-1975	108	29	efficiency	efficiency	NOUN
ejif-1975	108	30	”	"	PUNCT
ejif-1975	108	31	.	.	PUNCT
ejif-1975	109	1	on	on	ADP
ejif-1975	109	2	the	the	DET
ejif-1975	109	3	surface	surface	NOUN
ejif-1975	109	4	of	of	ADP
ejif-1975	109	5	figure	figure	NOUN
ejif-1975	109	6	3	3	NUM
ejif-1975	109	7	it	it	PRON
ejif-1975	109	8	is	be	AUX
ejif-1975	109	9	calculated	calculate	VERB
ejif-1975	109	10	as	as	ADP
ejif-1975	109	11	(	(	PUNCT
ejif-1975	109	12	gc	gc	PROPN
ejif-1975	109	13	/	/	SYM
ejif-1975	109	14	gd	gd	NOUN
ejif-1975	109	15	)	)	PUNCT
ejif-1975	109	16	.	.	PUNCT
ejif-1975	110	1	b.	b.	PROPN
ejif-1975	111	1	operationalizing	operationalize	VERB
ejif-1975	111	2	the	the	DET
ejif-1975	111	3	concepts	concept	NOUN
ejif-1975	111	4	historically	historically	ADV
ejif-1975	111	5	,	,	PUNCT
ejif-1975	111	6	the	the	DET
ejif-1975	111	7	economists	economist	NOUN
ejif-1975	111	8	have	have	AUX
ejif-1975	111	9	used	use	VERB
ejif-1975	111	10	several	several	ADJ
ejif-1975	111	11	ways	way	NOUN
ejif-1975	111	12	to	to	PART
ejif-1975	111	13	estimate	estimate	VERB
ejif-1975	111	14	the	the	DET
ejif-1975	111	15	curve	curve	NOUN
ejif-1975	111	16	in	in	ADP
ejif-1975	111	17	figure	figure	NOUN
ejif-1975	111	18	1	1	NUM
ejif-1975	111	19	the	the	DET
ejif-1975	111	20	most	most	ADV
ejif-1975	111	21	common	common	ADJ
ejif-1975	111	22	of	of	ADP
ejif-1975	111	23	which	which	PRON
ejif-1975	111	24	consists	consist	VERB
ejif-1975	111	25	of	of	ADP
ejif-1975	111	26	“	"	PUNCT
ejif-1975	111	27	least	least	ADJ
ejif-1975	111	28	square	square	ADJ
ejif-1975	111	29	”	"	PUNCT
ejif-1975	111	30	which	which	PRON
ejif-1975	111	31	is	be	AUX
ejif-1975	111	32	not	not	PART
ejif-1975	111	33	practiced	practice	VERB
ejif-1975	111	34	now	now	ADV
ejif-1975	111	35	and	and	CCONJ
ejif-1975	111	36	“	"	PUNCT
ejif-1975	111	37	best	good	ADJ
ejif-1975	111	38	practices	practice	NOUN
ejif-1975	111	39	estimation	estimation	NOUN
ejif-1975	111	40	”	"	PUNCT
ejif-1975	111	41	using	use	VERB
ejif-1975	111	42	dea	dea	NOUN
ejif-1975	111	43	and	and	CCONJ
ejif-1975	111	44	stochastic	stochastic	ADJ
ejif-1975	111	45	frontier	frontier	NOUN
ejif-1975	111	46	estimation	estimation	NOUN
ejif-1975	111	47	.	.	PUNCT
ejif-1975	112	1	for	for	ADP
ejif-1975	112	2	the	the	DET
ejif-1975	112	3	purpose	purpose	NOUN
ejif-1975	112	4	of	of	ADP
ejif-1975	112	5	our	our	PRON
ejif-1975	112	6	analysis	analysis	NOUN
ejif-1975	112	7	we	we	PRON
ejif-1975	112	8	have	have	AUX
ejif-1975	112	9	focused	focus	VERB
ejif-1975	112	10	on	on	ADP
ejif-1975	112	11	dea	dea	NOUN
ejif-1975	112	12	analysis	analysis	NOUN
ejif-1975	112	13	which	which	PRON
ejif-1975	112	14	is	be	AUX
ejif-1975	112	15	too	too	ADV
ejif-1975	112	16	based	base	VERB
ejif-1975	112	17	upon	upon	SCONJ
ejif-1975	112	18	linear	linear	ADJ
ejif-1975	112	19	programming	programming	NOUN
ejif-1975	112	20	[	[	X
ejif-1975	112	21	5	5	NUM
ejif-1975	112	22	]	]	PUNCT
ejif-1975	112	23	.	.	PUNCT
ejif-1975	113	1	c.	c.	NOUN
ejif-1975	113	2	using	use	VERB
ejif-1975	113	3	deap	deap	NOUN
ejif-1975	113	4	for	for	ADP
ejif-1975	113	5	calculating	calculate	VERB
ejif-1975	113	6	efficiencies	efficiency	NOUN
ejif-1975	113	7	.	.	PUNCT
ejif-1975	114	1	the	the	DET
ejif-1975	114	2	mathematical	mathematical	ADJ
ejif-1975	114	3	model	model	NOUN
ejif-1975	114	4	applied	apply	VERB
ejif-1975	114	5	in	in	ADP
ejif-1975	114	6	the	the	DET
ejif-1975	114	7	program	program	NOUN
ejif-1975	114	8	is	be	AUX
ejif-1975	114	9	hereunder	hereunder	NOUN
ejif-1975	114	10	:	:	PUNCT
ejif-1975	114	11	(	(	PUNCT
ejif-1975	114	12	1	1	X
ejif-1975	114	13	)	)	PUNCT
ejif-1975	114	14	the	the	DET
ejif-1975	114	15	u	u	NOUN
ejif-1975	114	16	’s	’s	NOUN
ejif-1975	114	17	and	and	CCONJ
ejif-1975	114	18	v	v	NOUN
ejif-1975	114	19	’s	’	VERB
ejif-1975	114	20	used	use	VERB
ejif-1975	114	21	in	in	ADP
ejif-1975	114	22	the	the	DET
ejif-1975	114	23	problem	problem	NOUN
ejif-1975	114	24	along	along	ADP
ejif-1975	114	25	with	with	ADP
ejif-1975	114	26	the	the	DET
ejif-1975	114	27	production	production	NOUN
ejif-1975	114	28	variables	variable	NOUN
ejif-1975	114	29	x	x	X
ejif-1975	114	30	’s	’s	NOUN
ejif-1975	114	31	and	and	CCONJ
ejif-1975	114	32	y	y	PROPN
ejif-1975	114	33	’s	’	VERB
ejif-1975	114	34	are	be	AUX
ejif-1975	114	35	constrained	constrain	VERB
ejif-1975	114	36	variables	variable	NOUN
ejif-1975	114	37	of	of	ADP
ejif-1975	114	38	the	the	DET
ejif-1975	114	39	problem	problem	NOUN
ejif-1975	114	40	and	and	CCONJ
ejif-1975	114	41	are	be	AUX
ejif-1975	114	42	assumed	assume	VERB
ejif-1975	114	43	to	to	PART
ejif-1975	114	44	be	be	AUX
ejif-1975	114	45	greater	great	ADJ
ejif-1975	114	46	than	than	ADP
ejif-1975	114	47	or	or	CCONJ
ejif-1975	114	48	equal	equal	ADJ
ejif-1975	114	49	to	to	ADP
ejif-1975	114	50	some	some	DET
ejif-1975	114	51	small	small	ADJ
ejif-1975	114	52	positive	positive	ADJ
ejif-1975	114	53	quantity	quantity	NOUN
ejif-1975	114	54	for	for	ADP
ejif-1975	114	55	the	the	DET
ejif-1975	114	56	purpose	purpose	NOUN
ejif-1975	114	57	of	of	ADP
ejif-1975	114	58	ensuring	ensure	VERB
ejif-1975	114	59	the	the	DET
ejif-1975	114	60	inclusion	inclusion	NOUN
ejif-1975	114	61	of	of	ADP
ejif-1975	114	62	all	all	DET
ejif-1975	114	63	inputs	input	NOUN
ejif-1975	114	64	and/or	and/or	CCONJ
ejif-1975	114	65	outputs	output	NOUN
ejif-1975	114	66	for	for	ADP
ejif-1975	114	67	calculating	calculate	VERB
ejif-1975	114	68	all	all	DET
ejif-1975	114	69	relevant	relevant	ADJ
ejif-1975	114	70	efficiencies	efficiency	NOUN
ejif-1975	114	71	.	.	PUNCT
ejif-1975	115	1	the	the	DET
ejif-1975	115	2	result	result	NOUN
ejif-1975	115	3	h	h	NOUN
ejif-1975	115	4	of	of	ADP
ejif-1975	115	5	the	the	DET
ejif-1975	115	6	model	model	NOUN
ejif-1975	115	7	is	be	AUX
ejif-1975	115	8	efficient	efficient	ADJ
ejif-1975	115	9	if	if	SCONJ
ejif-1975	115	10	it	it	PRON
ejif-1975	115	11	equals	equal	VERB
ejif-1975	115	12	“	"	PUNCT
ejif-1975	115	13	1	1	NUM
ejif-1975	115	14	”	"	PUNCT
ejif-1975	115	15	for	for	ADP
ejif-1975	115	16	an	an	DET
ejif-1975	115	17	organization	organization	NOUN
ejif-1975	115	18	.	.	PUNCT
ejif-1975	116	1	but	but	CCONJ
ejif-1975	116	2	if	if	SCONJ
ejif-1975	116	3	the	the	DET
ejif-1975	116	4	results	result	NOUN
ejif-1975	116	5	are	be	AUX
ejif-1975	116	6	less	less	ADJ
ejif-1975	116	7	than	than	SCONJ
ejif-1975	116	8	“	"	PUNCT
ejif-1975	116	9	1	1	NUM
ejif-1975	116	10	”	"	PUNCT
ejif-1975	116	11	it	it	PRON
ejif-1975	116	12	means	mean	VERB
ejif-1975	116	13	some	some	DET
ejif-1975	116	14	other	other	ADJ
ejif-1975	116	15	organizations	organization	NOUN
ejif-1975	116	16	are	be	AUX
ejif-1975	116	17	more	more	ADV
ejif-1975	116	18	efficient	efficient	ADJ
ejif-1975	116	19	.	.	PUNCT
ejif-1975	117	1	this	this	DET
ejif-1975	117	2	mathematical	mathematical	ADJ
ejif-1975	117	3	expression	expression	NOUN
ejif-1975	117	4	is	be	AUX
ejif-1975	117	5	solved	solve	VERB
ejif-1975	117	6	by	by	ADP
ejif-1975	117	7	converting	convert	VERB
ejif-1975	117	8	it	it	PRON
ejif-1975	117	9	into	into	ADP
ejif-1975	117	10	a	a	DET
ejif-1975	117	11	linear	linear	ADJ
ejif-1975	117	12	programming	programming	NOUN
ejif-1975	117	13	problem	problem	NOUN
ejif-1975	117	14	as	as	ADP
ejif-1975	117	15	under	under	ADV
ejif-1975	117	16	:	:	PUNCT
ejif-1975	117	17	(	(	PUNCT
ejif-1975	117	18	2	2	X
ejif-1975	117	19	)	)	PUNCT
ejif-1975	117	20	subject	subject	NOUN
ejif-1975	117	21	to	to	ADP
ejif-1975	117	22	the	the	DET
ejif-1975	117	23	above	above	ADJ
ejif-1975	117	24	formulation	formulation	NOUN
ejif-1975	117	25	was	be	AUX
ejif-1975	117	26	first	first	ADV
ejif-1975	117	27	developed	develop	VERB
ejif-1975	117	28	by	by	ADP
ejif-1975	117	29	ccr	ccr	PROPN
ejif-1975	117	30	model	model	NOUN
ejif-1975	117	31	and	and	CCONJ
ejif-1975	117	32	named	name	VERB
ejif-1975	117	33	as	as	ADP
ejif-1975	117	34	such	such	ADJ
ejif-1975	117	35	in	in	ADP
ejif-1975	117	36	dea	dea	PROPN
ejif-1975	117	37	computer	computer	NOUN
ejif-1975	117	38	program	program	NOUN
ejif-1975	117	39	.	.	PUNCT
ejif-1975	118	1	we	we	PRON
ejif-1975	118	2	can	can	AUX
ejif-1975	118	3	also	also	ADV
ejif-1975	118	4	construct	construct	VERB
ejif-1975	118	5	a	a	DET
ejif-1975	118	6	dual	dual	ADJ
ejif-1975	118	7	model	model	NOUN
ejif-1975	118	8	by	by	ADP
ejif-1975	118	9	incorporating	incorporate	VERB
ejif-1975	118	10	a	a	DET
ejif-1975	118	11	dual	dual	ADJ
ejif-1975	118	12	variable	variable	NOUN
ejif-1975	118	13	in	in	ADP
ejif-1975	118	14	the	the	DET
ejif-1975	118	15	above	above	ADJ
ejif-1975	118	16	model	model	NOUN
ejif-1975	118	17	.	.	PUNCT
ejif-1975	119	1	this	this	PRON
ejif-1975	119	2	has	have	AUX
ejif-1975	119	3	been	be	AUX
ejif-1975	119	4	shown	show	VERB
ejif-1975	119	5	hereunder	hereunder	NOUN
ejif-1975	119	6	:	:	PUNCT
ejif-1975	119	7	(	(	PUNCT
ejif-1975	119	8	3	3	X
ejif-1975	119	9	)	)	PUNCT
ejif-1975	119	10	subject	subject	NOUN
ejif-1975	119	11	to	to	ADP
ejif-1975	119	12	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	119	13	ejif	ejif	PROPN
ejif-1975	119	14	–	–	PUNCT
ejif-1975	119	15	european	european	PROPN
ejif-1975	119	16	journal	journal	PROPN
ejif-1975	119	17	of	of	ADP
ejif-1975	119	18	islamic	islamic	PROPN
ejif-1975	119	19	finance	finance	PROPN
ejif-1975	119	20	no	no	DET
ejif-1975	119	21	6	6	NUM
ejif-1975	119	22	,	,	PUNCT
ejif-1975	119	23	feb	feb	X
ejif-1975	119	24	(	(	PUNCT
ejif-1975	119	25	2017	2017	NUM
ejif-1975	119	26	)	)	PUNCT
ejif-1975	120	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	120	2	issn	issn	VERB
ejif-1975	120	3	2421	2421	NUM
ejif-1975	120	4	-	-	SYM
ejif-1975	120	5	2172	2172	NUM
ejif-1975	120	6	5	5	NUM
ejif-1975	120	7	the	the	DET
ejif-1975	120	8	λ	λ	PROPN
ejif-1975	120	9	’s	’s	PART
ejif-1975	120	10	introduced	introduce	VERB
ejif-1975	120	11	as	as	ADP
ejif-1975	120	12	shadow	shadow	NOUN
ejif-1975	120	13	prices	price	NOUN
ejif-1975	120	14	in	in	ADP
ejif-1975	120	15	the	the	DET
ejif-1975	120	16	model	model	NOUN
ejif-1975	120	17	as	as	SCONJ
ejif-1975	120	18	dual	dual	ADJ
ejif-1975	120	19	variables	variable	NOUN
ejif-1975	120	20	limit	limit	VERB
ejif-1975	120	21	the	the	DET
ejif-1975	120	22	efficiency	efficiency	NOUN
ejif-1975	120	23	of	of	ADP
ejif-1975	120	24	each	each	DET
ejif-1975	120	25	organization	organization	NOUN
ejif-1975	120	26	in	in	ADP
ejif-1975	120	27	sample	sample	NOUN
ejif-1975	120	28	of	of	ADP
ejif-1975	120	29	study	study	NOUN
ejif-1975	120	30	to	to	ADP
ejif-1975	120	31	“	"	PUNCT
ejif-1975	120	32	1	1	NUM
ejif-1975	120	33	”	"	PUNCT
ejif-1975	120	34	.	.	PUNCT
ejif-1975	121	1	it	it	PRON
ejif-1975	121	2	also	also	ADV
ejif-1975	121	3	implies	imply	VERB
ejif-1975	121	4	that	that	SCONJ
ejif-1975	121	5	the	the	DET
ejif-1975	121	6	corresponding	correspond	VERB
ejif-1975	121	7	organization	organization	NOUN
ejif-1975	121	8	also	also	ADV
ejif-1975	121	9	has	have	VERB
ejif-1975	121	10	an	an	DET
ejif-1975	121	11	efficiency	efficiency	NOUN
ejif-1975	121	12	of	of	ADP
ejif-1975	121	13	“	"	PUNCT
ejif-1975	121	14	1	1	NUM
ejif-1975	121	15	”	"	PUNCT
ejif-1975	121	16	which	which	PRON
ejif-1975	121	17	will	will	AUX
ejif-1975	121	18	also	also	ADV
ejif-1975	121	19	contain	contain	VERB
ejif-1975	121	20	positive	positive	ADJ
ejif-1975	121	21	price	price	NOUN
ejif-1975	121	22	and	and	CCONJ
ejif-1975	121	23	dual	dual	ADJ
ejif-1975	121	24	variable	variable	NOUN
ejif-1975	121	25	.	.	PUNCT
ejif-1975	122	1	accordingly	accordingly	ADV
ejif-1975	122	2	,	,	PUNCT
ejif-1975	122	3	positive	positive	ADJ
ejif-1975	122	4	shadow	shadow	NOUN
ejif-1975	122	5	price	price	NOUN
ejif-1975	122	6	in	in	ADP
ejif-1975	122	7	the	the	DET
ejif-1975	122	8	primary	primary	ADJ
ejif-1975	122	9	or	or	CCONJ
ejif-1975	122	10	positive	positive	ADJ
ejif-1975	122	11	value	value	NOUN
ejif-1975	122	12	λ	λ	NOUN
ejif-1975	122	13	’s	’s	NOUN
ejif-1975	122	14	in	in	ADP
ejif-1975	122	15	dual	dual	ADJ
ejif-1975	122	16	represents	represent	VERB
ejif-1975	122	17	and	and	CCONJ
ejif-1975	122	18	points	point	VERB
ejif-1975	122	19	the	the	DET
ejif-1975	122	20	peer	peer	NOUN
ejif-1975	122	21	group	group	NOUN
ejif-1975	122	22	of	of	ADP
ejif-1975	122	23	inefficient	inefficient	ADJ
ejif-1975	122	24	organization	organization	NOUN
ejif-1975	122	25	in	in	ADP
ejif-1975	122	26	the	the	DET
ejif-1975	122	27	study	study	NOUN
ejif-1975	122	28	sample	sample	NOUN
ejif-1975	122	29	.	.	PUNCT
ejif-1975	123	1	so	so	ADV
ejif-1975	123	2	far	far	ADV
ejif-1975	123	3	we	we	PRON
ejif-1975	123	4	have	have	AUX
ejif-1975	123	5	constructed	construct	VERB
ejif-1975	123	6	this	this	DET
ejif-1975	123	7	model	model	NOUN
ejif-1975	123	8	on	on	ADP
ejif-1975	123	9	the	the	DET
ejif-1975	123	10	basis	basis	NOUN
ejif-1975	123	11	of	of	ADP
ejif-1975	123	12	constant	constant	ADJ
ejif-1975	123	13	return	return	NOUN
ejif-1975	123	14	to	to	ADP
ejif-1975	123	15	scale	scale	VERB
ejif-1975	123	16	however	however	ADV
ejif-1975	123	17	,	,	PUNCT
ejif-1975	123	18	a	a	DET
ejif-1975	123	19	similar	similar	ADJ
ejif-1975	123	20	model	model	NOUN
ejif-1975	123	21	on	on	ADP
ejif-1975	123	22	the	the	DET
ejif-1975	123	23	basis	basis	NOUN
ejif-1975	123	24	of	of	ADP
ejif-1975	123	25	variable	variable	ADJ
ejif-1975	123	26	returns	return	NOUN
ejif-1975	123	27	to	to	PART
ejif-1975	123	28	scale	scale	VERB
ejif-1975	123	29	can	can	AUX
ejif-1975	123	30	also	also	ADV
ejif-1975	123	31	be	be	AUX
ejif-1975	123	32	constructed	construct	VERB
ejif-1975	123	33	as	as	ADV
ejif-1975	123	34	known	know	VERB
ejif-1975	123	35	as	as	ADP
ejif-1975	123	36	bcc	bcc	PROPN
ejif-1975	123	37	model	model	NOUN
ejif-1975	123	38	.	.	PUNCT
ejif-1975	124	1	d.	d.	PROPN
ejif-1975	124	2	data	data	PROPN
ejif-1975	124	3	and	and	CCONJ
ejif-1975	124	4	variables	variable	NOUN
ejif-1975	124	5	for	for	ADP
ejif-1975	124	6	the	the	DET
ejif-1975	124	7	study	study	PROPN
ejif-1975	124	8	asghar	asghar	PROPN
ejif-1975	124	9	&	&	CCONJ
ejif-1975	124	10	afza	afza	PROPN
ejif-1975	124	11	discussing	discuss	VERB
ejif-1975	124	12	efficiency	efficiency	NOUN
ejif-1975	124	13	of	of	ADP
ejif-1975	124	14	insurance	insurance	NOUN
ejif-1975	124	15	and	and	CCONJ
ejif-1975	124	16	takaful	takaful	ADJ
ejif-1975	124	17	sector	sector	NOUN
ejif-1975	124	18	in	in	ADP
ejif-1975	124	19	pakistan	pakistan	PROPN
ejif-1975	124	20	indicated	indicate	VERB
ejif-1975	124	21	three	three	NUM
ejif-1975	124	22	approaches	approach	NOUN
ejif-1975	124	23	to	to	PART
ejif-1975	124	24	identify	identify	VERB
ejif-1975	124	25	output	output	NOUN
ejif-1975	124	26	variables	variable	NOUN
ejif-1975	124	27	in	in	ADP
ejif-1975	124	28	financial	financial	ADJ
ejif-1975	124	29	sector	sector	NOUN
ejif-1975	124	30	,	,	PUNCT
ejif-1975	124	31	these	these	PRON
ejif-1975	124	32	consist	consist	VERB
ejif-1975	124	33	of	of	ADP
ejif-1975	124	34	1	1	NUM
ejif-1975	124	35	)	)	PUNCT
ejif-1975	124	36	the	the	DET
ejif-1975	124	37	intermediation	intermediation	NOUN
ejif-1975	124	38	approach	approach	NOUN
ejif-1975	124	39	,	,	PUNCT
ejif-1975	124	40	2	2	X
ejif-1975	124	41	)	)	PUNCT
ejif-1975	124	42	the	the	DET
ejif-1975	124	43	user	user	NOUN
ejif-1975	124	44	cost	cost	NOUN
ejif-1975	124	45	approach	approach	NOUN
ejif-1975	124	46	and	and	CCONJ
ejif-1975	124	47	3	3	X
ejif-1975	124	48	)	)	PUNCT
ejif-1975	124	49	the	the	DET
ejif-1975	124	50	value	value	NOUN
ejif-1975	124	51	added	add	VERB
ejif-1975	124	52	approach[3	approach[3	PRON
ejif-1975	124	53	]	]	PUNCT
ejif-1975	124	54	.	.	PUNCT
ejif-1975	125	1	following	follow	VERB
ejif-1975	125	2	the	the	DET
ejif-1975	125	3	same	same	ADJ
ejif-1975	125	4	various	various	ADJ
ejif-1975	125	5	studies	study	NOUN
ejif-1975	125	6	have	have	AUX
ejif-1975	125	7	been	be	AUX
ejif-1975	125	8	conducted	conduct	VERB
ejif-1975	125	9	taking	take	VERB
ejif-1975	125	10	different	different	ADJ
ejif-1975	125	11	variables	variable	NOUN
ejif-1975	125	12	into	into	ADP
ejif-1975	125	13	account	account	NOUN
ejif-1975	125	14	to	to	PART
ejif-1975	125	15	measure	measure	VERB
ejif-1975	125	16	the	the	DET
ejif-1975	125	17	efficiencies	efficiency	NOUN
ejif-1975	125	18	of	of	ADP
ejif-1975	125	19	insurance	insurance	NOUN
ejif-1975	125	20	sector	sector	NOUN
ejif-1975	125	21	both	both	CCONJ
ejif-1975	125	22	in	in	ADP
ejif-1975	125	23	conventional	conventional	ADJ
ejif-1975	125	24	and	and	CCONJ
ejif-1975	125	25	islamic	islamic	ADJ
ejif-1975	125	26	financial	financial	ADJ
ejif-1975	125	27	services	service	NOUN
ejif-1975	125	28	sector	sector	NOUN
ejif-1975	125	29	encompassing	encompass	VERB
ejif-1975	125	30	various	various	ADJ
ejif-1975	125	31	variables	variable	NOUN
ejif-1975	125	32	based	base	VERB
ejif-1975	125	33	on	on	ADP
ejif-1975	125	34	different	different	ADJ
ejif-1975	125	35	approaches	approach	NOUN
ejif-1975	125	36	for	for	ADP
ejif-1975	125	37	instance[8	instance[8	NOUN
ejif-1975	125	38	]	]	PUNCT
ejif-1975	125	39	.	.	PUNCT
ejif-1975	126	1	these	these	DET
ejif-1975	126	2	studies	study	NOUN
ejif-1975	126	3	indicate	indicate	VERB
ejif-1975	126	4	that	that	SCONJ
ejif-1975	126	5	for	for	ADP
ejif-1975	126	6	insurance	insurance	NOUN
ejif-1975	126	7	industry	industry	NOUN
ejif-1975	126	8	capacity	capacity	NOUN
ejif-1975	126	9	to	to	PART
ejif-1975	126	10	bear	bear	VERB
ejif-1975	126	11	risk	risk	NOUN
ejif-1975	126	12	and	and	CCONJ
ejif-1975	126	13	intermediation	intermediation	NOUN
ejif-1975	126	14	should	should	AUX
ejif-1975	126	15	form	form	VERB
ejif-1975	126	16	the	the	DET
ejif-1975	126	17	basis	basis	NOUN
ejif-1975	126	18	of	of	ADP
ejif-1975	126	19	selecting	select	VERB
ejif-1975	126	20	outputs	output	NOUN
ejif-1975	126	21	,	,	PUNCT
ejif-1975	126	22	following	follow	VERB
ejif-1975	126	23	the	the	DET
ejif-1975	126	24	same	same	ADJ
ejif-1975	126	25	most	most	ADJ
ejif-1975	126	26	of	of	ADP
ejif-1975	126	27	contemporary	contemporary	ADJ
ejif-1975	126	28	studies	study	NOUN
ejif-1975	126	29	use	use	VERB
ejif-1975	126	30	“	"	PUNCT
ejif-1975	126	31	gross	gross	ADJ
ejif-1975	126	32	premium	premium	NOUN
ejif-1975	126	33	”	"	PUNCT
ejif-1975	126	34	in	in	ADP
ejif-1975	126	35	insurance	insurance	NOUN
ejif-1975	126	36	sector	sector	NOUN
ejif-1975	126	37	as	as	ADP
ejif-1975	126	38	their	their	PRON
ejif-1975	126	39	first	first	ADJ
ejif-1975	126	40	measure	measure	NOUN
ejif-1975	126	41	of	of	ADP
ejif-1975	126	42	output	output	NOUN
ejif-1975	126	43	and	and	CCONJ
ejif-1975	126	44	investment	investment	NOUN
ejif-1975	126	45	income	income	NOUN
ejif-1975	126	46	as	as	ADP
ejif-1975	126	47	second	second	ADJ
ejif-1975	126	48	,	,	PUNCT
ejif-1975	126	49	that	that	PRON
ejif-1975	126	50	is	be	AUX
ejif-1975	126	51	used	use	VERB
ejif-1975	126	52	in	in	ADP
ejif-1975	126	53	our	our	PRON
ejif-1975	126	54	study	study	NOUN
ejif-1975	126	55	as	as	ADV
ejif-1975	126	56	well	well	ADV
ejif-1975	126	57	.	.	PUNCT
ejif-1975	127	1	discussing	discuss	VERB
ejif-1975	127	2	variables	variable	NOUN
ejif-1975	127	3	selection	selection	NOUN
ejif-1975	127	4	in	in	ADP
ejif-1975	127	5	banking	banking	NOUN
ejif-1975	127	6	industry	industry	NOUN
ejif-1975	127	7	it	it	PRON
ejif-1975	127	8	was	be	AUX
ejif-1975	127	9	found	find	VERB
ejif-1975	127	10	that	that	SCONJ
ejif-1975	127	11	for	for	ADP
ejif-1975	127	12	analysis	analysis	NOUN
ejif-1975	127	13	of	of	ADP
ejif-1975	127	14	banking	banking	NOUN
ejif-1975	127	15	industry	industry	NOUN
ejif-1975	127	16	generally	generally	ADV
ejif-1975	127	17	two	two	NUM
ejif-1975	127	18	approaches	approach	NOUN
ejif-1975	127	19	are	be	AUX
ejif-1975	127	20	used	use	VERB
ejif-1975	127	21	to	to	PART
ejif-1975	127	22	identify	identify	VERB
ejif-1975	127	23	input	input	NOUN
ejif-1975	127	24	and	and	CCONJ
ejif-1975	127	25	output	output	NOUN
ejif-1975	127	26	variables	variable	NOUN
ejif-1975	127	27	namely	namely	ADV
ejif-1975	127	28	the	the	DET
ejif-1975	127	29	production	production	NOUN
ejif-1975	127	30	approach	approach	NOUN
ejif-1975	127	31	and	and	CCONJ
ejif-1975	127	32	the	the	DET
ejif-1975	127	33	mediation	mediation	NOUN
ejif-1975	127	34	approach[1	approach[1	VERB
ejif-1975	127	35	]	]	PUNCT
ejif-1975	127	36	.	.	PUNCT
ejif-1975	128	1	production	production	NOUN
ejif-1975	128	2	approach	approach	NOUN
ejif-1975	128	3	involves	involve	VERB
ejif-1975	128	4	inclusion	inclusion	NOUN
ejif-1975	128	5	of	of	ADP
ejif-1975	128	6	labor	labor	NOUN
ejif-1975	128	7	and	and	CCONJ
ejif-1975	128	8	capital	capital	NOUN
ejif-1975	128	9	resources	resource	NOUN
ejif-1975	128	10	as	as	ADP
ejif-1975	128	11	input	input	NOUN
ejif-1975	128	12	resources	resource	NOUN
ejif-1975	128	13	whereas	whereas	SCONJ
ejif-1975	128	14	under	under	ADP
ejif-1975	128	15	intermediation	intermediation	NOUN
ejif-1975	128	16	approach	approach	NOUN
ejif-1975	128	17	deposits	deposit	NOUN
ejif-1975	128	18	and	and	CCONJ
ejif-1975	128	19	loanable	loanable	ADJ
ejif-1975	128	20	funds	fund	NOUN
ejif-1975	128	21	are	be	AUX
ejif-1975	128	22	used	use	VERB
ejif-1975	128	23	as	as	ADP
ejif-1975	128	24	inputs	input	NOUN
ejif-1975	128	25	.	.	PUNCT
ejif-1975	129	1	the	the	DET
ejif-1975	129	2	intermediation	intermediation	NOUN
ejif-1975	129	3	approach	approach	NOUN
ejif-1975	129	4	focused	focus	VERB
ejif-1975	129	5	using	use	VERB
ejif-1975	129	6	three	three	NUM
ejif-1975	129	7	inputs	input	NOUN
ejif-1975	129	8	;	;	PUNCT
ejif-1975	129	9	(	(	PUNCT
ejif-1975	129	10	1	1	X
ejif-1975	129	11	)	)	PUNCT
ejif-1975	129	12	total	total	ADJ
ejif-1975	129	13	deposits	deposit	NOUN
ejif-1975	129	14	and	and	CCONJ
ejif-1975	129	15	short	short	ADJ
ejif-1975	129	16	term	term	NOUN
ejif-1975	129	17	funding	funding	NOUN
ejif-1975	129	18	,	,	PUNCT
ejif-1975	129	19	(	(	PUNCT
ejif-1975	129	20	2	2	X
ejif-1975	129	21	)	)	PUNCT
ejif-1975	129	22	total	total	ADJ
ejif-1975	129	23	expenses	expense	NOUN
ejif-1975	129	24	,	,	PUNCT
ejif-1975	129	25	and	and	CCONJ
ejif-1975	129	26	(	(	PUNCT
ejif-1975	129	27	3	3	X
ejif-1975	129	28	)	)	PUNCT
ejif-1975	129	29	total	total	ADJ
ejif-1975	129	30	staff	staff	NOUN
ejif-1975	129	31	costs	cost	NOUN
ejif-1975	129	32	and	and	CCONJ
ejif-1975	129	33	two	two	NUM
ejif-1975	129	34	output	output	NOUN
ejif-1975	129	35	variables	variable	NOUN
ejif-1975	129	36	(	(	PUNCT
ejif-1975	129	37	1	1	X
ejif-1975	129	38	)	)	PUNCT
ejif-1975	129	39	total	total	NOUN
ejif-1975	129	40	(	(	PUNCT
ejif-1975	129	41	non	non	ADJ
ejif-1975	129	42	)	)	PUNCT
ejif-1975	129	43	interest	interest	NOUN
ejif-1975	129	44	-	-	PUNCT
ejif-1975	129	45	bearing	bear	VERB
ejif-1975	129	46	loans	loan	NOUN
ejif-1975	129	47	and	and	CCONJ
ejif-1975	129	48	(	(	PUNCT
ejif-1975	129	49	2	2	X
ejif-1975	129	50	)	)	PUNCT
ejif-1975	129	51	total	total	ADJ
ejif-1975	129	52	revenues[1	revenues[1	PROPN
ejif-1975	129	53	]	]	PUNCT
ejif-1975	129	54	.	.	PUNCT
ejif-1975	130	1	sufian	sufian	PROPN
ejif-1975	130	2	following	follow	VERB
ejif-1975	130	3	the	the	DET
ejif-1975	130	4	same	same	ADJ
ejif-1975	130	5	approach	approach	NOUN
ejif-1975	130	6	included	include	VERB
ejif-1975	130	7	total	total	ADJ
ejif-1975	130	8	deposits	deposit	NOUN
ejif-1975	130	9	and	and	CCONJ
ejif-1975	130	10	loan	loan	NOUN
ejif-1975	130	11	loss	loss	NOUN
ejif-1975	130	12	provision	provision	NOUN
ejif-1975	130	13	as	as	ADP
ejif-1975	130	14	two	two	NUM
ejif-1975	130	15	inputs	input	NOUN
ejif-1975	130	16	;	;	PUNCT
ejif-1975	130	17	and	and	CCONJ
ejif-1975	130	18	total	total	ADJ
ejif-1975	130	19	loans	loan	NOUN
ejif-1975	130	20	and	and	CCONJ
ejif-1975	130	21	investments	investment	NOUN
ejif-1975	130	22	as	as	ADP
ejif-1975	130	23	two	two	NUM
ejif-1975	130	24	variables	variable	NOUN
ejif-1975	130	25	as	as	ADP
ejif-1975	130	26	output[26	output[26	NOUN
ejif-1975	130	27	]	]	X
ejif-1975	130	28	.	.	PUNCT
ejif-1975	131	1	apart	apart	ADV
ejif-1975	131	2	from	from	ADP
ejif-1975	131	3	the	the	DET
ejif-1975	131	4	two	two	NUM
ejif-1975	131	5	approaches	approach	NOUN
ejif-1975	131	6	a	a	DET
ejif-1975	131	7	few	few	ADJ
ejif-1975	131	8	researchers	researcher	NOUN
ejif-1975	131	9	used	use	VERB
ejif-1975	131	10	a	a	DET
ejif-1975	131	11	variation	variation	NOUN
ejif-1975	131	12	of	of	ADP
ejif-1975	131	13	intermediation	intermediation	NOUN
ejif-1975	131	14	approach	approach	NOUN
ejif-1975	131	15	also	also	ADV
ejif-1975	131	16	called	call	VERB
ejif-1975	131	17	asset	asset	NOUN
ejif-1975	131	18	approach	approach	NOUN
ejif-1975	131	19	.	.	PUNCT
ejif-1975	132	1	this	this	DET
ejif-1975	132	2	approach	approach	NOUN
ejif-1975	132	3	is	be	AUX
ejif-1975	132	4	adopted	adopt	VERB
ejif-1975	132	5	for	for	ADP
ejif-1975	132	6	choice	choice	NOUN
ejif-1975	132	7	of	of	ADP
ejif-1975	132	8	variables	variable	NOUN
ejif-1975	132	9	in	in	ADP
ejif-1975	132	10	selection	selection	NOUN
ejif-1975	132	11	of	of	ADP
ejif-1975	132	12	variables	variable	NOUN
ejif-1975	132	13	for	for	ADP
ejif-1975	132	14	analysis	analysis	NOUN
ejif-1975	132	15	of	of	ADP
ejif-1975	132	16	banks	bank	NOUN
ejif-1975	132	17	be	be	VERB
ejif-1975	132	18	it	it	PRON
ejif-1975	132	19	conventional	conventional	ADJ
ejif-1975	132	20	or	or	CCONJ
ejif-1975	132	21	islamic[9,24	islamic[9,24	PROPN
ejif-1975	132	22	]	]	PUNCT
ejif-1975	132	23	.	.	PUNCT
ejif-1975	133	1	following	follow	VERB
ejif-1975	133	2	the	the	DET
ejif-1975	133	3	asset	asset	NOUN
ejif-1975	133	4	approach	approach	NOUN
ejif-1975	133	5	this	this	DET
ejif-1975	133	6	research	research	NOUN
ejif-1975	133	7	has	have	AUX
ejif-1975	133	8	used	use	VERB
ejif-1975	133	9	two	two	NUM
ejif-1975	133	10	output	output	NOUN
ejif-1975	133	11	variables	variable	NOUN
ejif-1975	133	12	,	,	PUNCT
ejif-1975	133	13	three	three	NUM
ejif-1975	133	14	input	input	NOUN
ejif-1975	133	15	variables	variable	NOUN
ejif-1975	133	16	and	and	CCONJ
ejif-1975	133	17	the	the	DET
ejif-1975	133	18	relevant	relevant	ADJ
ejif-1975	133	19	prices	price	NOUN
ejif-1975	133	20	of	of	ADP
ejif-1975	133	21	input	input	NOUN
ejif-1975	133	22	variables	variable	NOUN
ejif-1975	133	23	.	.	PUNCT
ejif-1975	134	1	input	input	NOUN
ejif-1975	134	2	variables	variable	NOUN
ejif-1975	134	3	consist	consist	VERB
ejif-1975	134	4	of	of	ADP
ejif-1975	134	5	admin	admin	NOUN
ejif-1975	134	6	costs	cost	NOUN
ejif-1975	134	7	,	,	PUNCT
ejif-1975	134	8	deposit	deposit	NOUN
ejif-1975	134	9	accounts	account	NOUN
ejif-1975	134	10	and	and	CCONJ
ejif-1975	134	11	capital	capital	NOUN
ejif-1975	134	12	employed	employ	VERB
ejif-1975	134	13	for	for	ADP
ejif-1975	134	14	all	all	DET
ejif-1975	134	15	banking	banking	NOUN
ejif-1975	134	16	institutions	institution	NOUN
ejif-1975	134	17	;	;	PUNCT
ejif-1975	134	18	and	and	CCONJ
ejif-1975	134	19	admin	admin	NOUN
ejif-1975	134	20	costs	cost	NOUN
ejif-1975	134	21	,	,	PUNCT
ejif-1975	134	22	commission	commission	NOUN
ejif-1975	134	23	on	on	ADP
ejif-1975	134	24	premium	premium	NOUN
ejif-1975	134	25	,	,	PUNCT
ejif-1975	134	26	and	and	CCONJ
ejif-1975	134	27	capital	capital	NOUN
ejif-1975	134	28	employed	employ	VERB
ejif-1975	134	29	for	for	ADP
ejif-1975	134	30	all	all	DET
ejif-1975	134	31	insurance	insurance	NOUN
ejif-1975	134	32	institutions	institution	NOUN
ejif-1975	134	33	.	.	PUNCT
ejif-1975	135	1	the	the	DET
ejif-1975	135	2	output	output	NOUN
ejif-1975	135	3	variables	variable	VERB
ejif-1975	135	4	for	for	ADP
ejif-1975	135	5	this	this	DET
ejif-1975	135	6	study	study	NOUN
ejif-1975	135	7	include	include	VERB
ejif-1975	135	8	net	net	ADJ
ejif-1975	135	9	interest	interest	NOUN
ejif-1975	135	10	income	income	NOUN
ejif-1975	135	11	margin	margin	NOUN
ejif-1975	135	12	,	,	PUNCT
ejif-1975	135	13	and	and	CCONJ
ejif-1975	135	14	total	total	ADJ
ejif-1975	135	15	loans	loan	NOUN
ejif-1975	135	16	&	&	CCONJ
ejif-1975	135	17	advances	advance	NOUN
ejif-1975	135	18	for	for	ADP
ejif-1975	135	19	conventional	conventional	ADJ
ejif-1975	135	20	banking	banking	NOUN
ejif-1975	135	21	institutions	institution	NOUN
ejif-1975	135	22	;	;	PUNCT
ejif-1975	135	23	net	net	ADJ
ejif-1975	135	24	spread	spread	NOUN
ejif-1975	135	25	earned	earn	VERB
ejif-1975	135	26	and	and	CCONJ
ejif-1975	135	27	total	total	ADJ
ejif-1975	135	28	financing	financing	NOUN
ejif-1975	135	29	for	for	ADP
ejif-1975	135	30	islamic	islamic	ADJ
ejif-1975	135	31	banking	banking	NOUN
ejif-1975	135	32	institutions	institution	NOUN
ejif-1975	135	33	;	;	PUNCT
ejif-1975	135	34	and	and	CCONJ
ejif-1975	135	35	finally	finally	ADV
ejif-1975	135	36	gross	gross	ADJ
ejif-1975	135	37	premium	premium	NOUN
ejif-1975	135	38	and	and	CCONJ
ejif-1975	135	39	net	net	ADJ
ejif-1975	135	40	investment	investment	NOUN
ejif-1975	135	41	income	income	NOUN
ejif-1975	135	42	for	for	ADP
ejif-1975	135	43	both	both	CCONJ
ejif-1975	135	44	islamic	islamic	ADJ
ejif-1975	135	45	and	and	CCONJ
ejif-1975	135	46	conventional	conventional	ADJ
ejif-1975	135	47	insurance	insurance	NOUN
ejif-1975	135	48	institutions	institution	NOUN
ejif-1975	135	49	.	.	PUNCT
ejif-1975	136	1	the	the	DET
ejif-1975	136	2	prices	price	NOUN
ejif-1975	136	3	of	of	ADP
ejif-1975	136	4	input	input	NOUN
ejif-1975	136	5	variables	variable	NOUN
ejif-1975	136	6	consist	consist	VERB
ejif-1975	136	7	of	of	ADP
ejif-1975	136	8	average	average	ADJ
ejif-1975	136	9	per	per	ADP
ejif-1975	136	10	employee	employee	NOUN
ejif-1975	136	11	admin	admin	NOUN
ejif-1975	136	12	costs	cost	NOUN
ejif-1975	136	13	for	for	ADP
ejif-1975	136	14	admin	admin	NOUN
ejif-1975	136	15	costs	cost	NOUN
ejif-1975	136	16	,	,	PUNCT
ejif-1975	136	17	average	average	ADJ
ejif-1975	136	18	deposit	deposit	NOUN
ejif-1975	136	19	rate	rate	NOUN
ejif-1975	136	20	for	for	ADP
ejif-1975	136	21	deposit	deposit	NOUN
ejif-1975	136	22	accounts	account	NOUN
ejif-1975	136	23	and	and	CCONJ
ejif-1975	136	24	weighted	weight	VERB
ejif-1975	136	25	cost	cost	NOUN
ejif-1975	136	26	of	of	ADP
ejif-1975	136	27	capital	capital	NOUN
ejif-1975	136	28	(	(	PUNCT
ejif-1975	136	29	wacc	wacc	PROPN
ejif-1975	136	30	)	)	PUNCT
ejif-1975	136	31	for	for	ADP
ejif-1975	136	32	capital	capital	NOUN
ejif-1975	136	33	employed	employ	VERB
ejif-1975	136	34	for	for	ADP
ejif-1975	136	35	all	all	DET
ejif-1975	136	36	banking	banking	NOUN
ejif-1975	136	37	institutions	institution	NOUN
ejif-1975	136	38	;	;	PUNCT
ejif-1975	136	39	and	and	CCONJ
ejif-1975	136	40	average	average	ADJ
ejif-1975	136	41	per	per	ADP
ejif-1975	136	42	employee	employee	NOUN
ejif-1975	136	43	admin	admin	NOUN
ejif-1975	136	44	costs	cost	NOUN
ejif-1975	136	45	for	for	ADP
ejif-1975	136	46	admin	admin	NOUN
ejif-1975	136	47	costs	cost	NOUN
ejif-1975	136	48	,	,	PUNCT
ejif-1975	136	49	average	average	ADJ
ejif-1975	136	50	per	per	ADP
ejif-1975	136	51	employee	employee	NOUN
ejif-1975	136	52	commission	commission	NOUN
ejif-1975	136	53	,	,	PUNCT
ejif-1975	136	54	and	and	CCONJ
ejif-1975	136	55	wacc	wacc	NOUN
ejif-1975	136	56	for	for	ADP
ejif-1975	136	57	all	all	DET
ejif-1975	136	58	insurance	insurance	NOUN
ejif-1975	136	59	institutions	institution	NOUN
ejif-1975	136	60	.	.	PUNCT
ejif-1975	137	1	the	the	DET
ejif-1975	137	2	prices	price	NOUN
ejif-1975	137	3	have	have	AUX
ejif-1975	137	4	also	also	ADV
ejif-1975	137	5	been	be	AUX
ejif-1975	137	6	normalized	normalize	VERB
ejif-1975	137	7	as	as	ADP
ejif-1975	137	8	by	by	ADP
ejif-1975	137	9	dividing	divide	VERB
ejif-1975	137	10	all	all	DET
ejif-1975	137	11	the	the	DET
ejif-1975	137	12	prices	price	NOUN
ejif-1975	137	13	by	by	ADP
ejif-1975	137	14	the	the	DET
ejif-1975	137	15	prices	price	NOUN
ejif-1975	137	16	of	of	ADP
ejif-1975	137	17	physical	physical	ADJ
ejif-1975	137	18	inputs	input	NOUN
ejif-1975	137	19	for	for	ADP
ejif-1975	137	20	instance	instance	NOUN
ejif-1975	137	21	p1	p1	PROPN
ejif-1975	137	22	*	*	PROPN
ejif-1975	137	23	=	=	SYM
ejif-1975	137	24	p1	p1	PROPN
ejif-1975	137	25	/	/	SYM
ejif-1975	137	26	p3	p3	PROPN
ejif-1975	137	27	and	and	CCONJ
ejif-1975	137	28	p2*=p2	p2*=p2	VERB
ejif-1975	137	29	/	/	SYM
ejif-1975	137	30	p3	p3	PROPN
ejif-1975	137	31	[	[	X
ejif-1975	137	32	31,32	31,32	NUM
ejif-1975	137	33	]	]	PUNCT
ejif-1975	137	34	.	.	PUNCT
ejif-1975	138	1	the	the	DET
ejif-1975	138	2	data	datum	NOUN
ejif-1975	138	3	for	for	ADP
ejif-1975	138	4	this	this	DET
ejif-1975	138	5	research	research	NOUN
ejif-1975	138	6	has	have	AUX
ejif-1975	138	7	been	be	AUX
ejif-1975	138	8	obtained	obtain	VERB
ejif-1975	138	9	for	for	ADP
ejif-1975	138	10	the	the	DET
ejif-1975	138	11	period	period	NOUN
ejif-1975	138	12	2007	2007	NUM
ejif-1975	138	13	to	to	ADP
ejif-1975	138	14	2015	2015	NUM
ejif-1975	138	15	belonging	belong	VERB
ejif-1975	138	16	to	to	ADP
ejif-1975	138	17	20	20	NUM
ejif-1975	138	18	islamic	islamic	ADJ
ejif-1975	138	19	and	and	CCONJ
ejif-1975	138	20	conventional	conventional	ADJ
ejif-1975	138	21	insurance	insurance	NOUN
ejif-1975	138	22	and	and	CCONJ
ejif-1975	138	23	banking	banking	NOUN
ejif-1975	138	24	organizations	organization	NOUN
ejif-1975	138	25	each	each	PRON
ejif-1975	138	26	which	which	PRON
ejif-1975	138	27	represent	represent	VERB
ejif-1975	138	28	about	about	ADV
ejif-1975	138	29	80	80	NUM
ejif-1975	138	30	%	%	NOUN
ejif-1975	138	31	market	market	NOUN
ejif-1975	138	32	share	share	NOUN
ejif-1975	138	33	in	in	ADP
ejif-1975	138	34	terms	term	NOUN
ejif-1975	138	35	of	of	ADP
ejif-1975	138	36	deposit	deposit	NOUN
ejif-1975	138	37	and	and	CCONJ
ejif-1975	138	38	72	72	NUM
ejif-1975	138	39	%	%	NOUN
ejif-1975	138	40	market	market	NOUN
ejif-1975	138	41	share	share	NOUN
ejif-1975	138	42	in	in	ADP
ejif-1975	138	43	terms	term	NOUN
ejif-1975	138	44	of	of	ADP
ejif-1975	138	45	loans	loan	NOUN
ejif-1975	138	46	and	and	CCONJ
ejif-1975	138	47	advances	advance	NOUN
ejif-1975	138	48	in	in	ADP
ejif-1975	138	49	case	case	NOUN
ejif-1975	138	50	of	of	ADP
ejif-1975	138	51	banking	banking	NOUN
ejif-1975	138	52	and	and	CCONJ
ejif-1975	138	53	80	80	NUM
ejif-1975	138	54	%	%	NOUN
ejif-1975	138	55	in	in	ADP
ejif-1975	138	56	terms	term	NOUN
ejif-1975	138	57	of	of	ADP
ejif-1975	138	58	“	"	PUNCT
ejif-1975	138	59	gross	gross	ADJ
ejif-1975	138	60	premium	premium	NOUN
ejif-1975	138	61	”	"	PUNCT
ejif-1975	138	62	in	in	ADP
ejif-1975	138	63	terms	term	NOUN
ejif-1975	138	64	of	of	ADP
ejif-1975	138	65	insurance	insurance	NOUN
ejif-1975	138	66	firms	firm	NOUN
ejif-1975	138	67	.	.	PUNCT
ejif-1975	139	1	iv	iv	X
ejif-1975	139	2	.	.	PUNCT
ejif-1975	139	3	results	result	NOUN
ejif-1975	139	4	and	and	CCONJ
ejif-1975	139	5	discussion	discussion	NOUN
ejif-1975	139	6	a.	a.	NOUN
ejif-1975	139	7	data	data	PROPN
ejif-1975	139	8	analysis	analysis	NOUN
ejif-1975	139	9	of	of	ADP
ejif-1975	139	10	insurance	insurance	NOUN
ejif-1975	139	11	sector	sector	NOUN
ejif-1975	139	12	table	table	NOUN
ejif-1975	139	13	i.	i.	NOUN
ejif-1975	139	14	efficiency	efficiency	NOUN
ejif-1975	139	15	of	of	ADP
ejif-1975	139	16	insurance	insurance	NOUN
ejif-1975	139	17	firms	firm	NOUN
ejif-1975	139	18	year	year	VERB
ejif-1975	139	19	te	te	PROPN
ejif-1975	139	20	se	se	PROPN
ejif-1975	139	21	ae	ae	PROPN
ejif-1975	139	22	ce	ce	PROPN
ejif-1975	139	23	2007	2007	NUM
ejif-1975	139	24	0.82	0.82	NUM
ejif-1975	139	25	0.71	0.71	NUM
ejif-1975	139	26	0.43	0.43	NUM
ejif-1975	139	27	0.36	0.36	NUM
ejif-1975	139	28	2008	2008	NUM
ejif-1975	139	29	0.87	0.87	NUM
ejif-1975	139	30	0.74	0.74	NUM
ejif-1975	139	31	0.47	0.47	NUM
ejif-1975	139	32	0.41	0.41	NUM
ejif-1975	139	33	2009	2009	NUM
ejif-1975	139	34	0.88	0.88	NUM
ejif-1975	139	35	0.51	0.51	NUM
ejif-1975	139	36	0.39	0.39	NUM
ejif-1975	139	37	0.34	0.34	NUM
ejif-1975	139	38	2010	2010	NUM
ejif-1975	139	39	0.94	0.94	NUM
ejif-1975	139	40	0.83	0.83	NUM
ejif-1975	139	41	0.45	0.45	NUM
ejif-1975	139	42	0.42	0.42	NUM
ejif-1975	139	43	2011	2011	NUM
ejif-1975	139	44	0.87	0.87	NUM
ejif-1975	139	45	0.87	0.87	NUM
ejif-1975	139	46	0.56	0.56	NUM
ejif-1975	139	47	0.49	0.49	NUM
ejif-1975	139	48	2012	2012	NUM
ejif-1975	139	49	0.92	0.92	NUM
ejif-1975	139	50	0.86	0.86	NUM
ejif-1975	139	51	0.55	0.55	NUM
ejif-1975	139	52	0.51	0.51	NUM
ejif-1975	139	53	2013	2013	NUM
ejif-1975	139	54	0.91	0.91	NUM
ejif-1975	139	55	0.84	0.84	NUM
ejif-1975	139	56	0.63	0.63	NUM
ejif-1975	139	57	0.57	0.57	NUM
ejif-1975	139	58	2014	2014	NUM
ejif-1975	139	59	0.92	0.92	NUM
ejif-1975	139	60	0.86	0.86	NUM
ejif-1975	139	61	0.64	0.64	NUM
ejif-1975	139	62	0.59	0.59	NUM
ejif-1975	139	63	2015	2015	NUM
ejif-1975	139	64	0.94	0.94	NUM
ejif-1975	139	65	0.87	0.87	NUM
ejif-1975	139	66	0.65	0.65	NUM
ejif-1975	139	67	0.61	0.61	NUM
ejif-1975	139	68	mean	mean	NOUN
ejif-1975	140	1	0.887	0.887	NUM
ejif-1975	140	2	0.766	0.766	NUM
ejif-1975	140	3	0.498	0.498	NUM
ejif-1975	140	4	0.443	0.443	NUM
ejif-1975	140	5	sd	sd	ADP
ejif-1975	140	6	0.039881	0.039881	NUM
ejif-1975	140	7	0.128101	0.128101	NUM
ejif-1975	140	8	0.084424	0.084424	NUM
ejif-1975	140	9	0.08362	0.08362	NUM
ejif-1975	140	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	140	11	ejif	ejif	PROPN
ejif-1975	140	12	–	–	PUNCT
ejif-1975	140	13	european	european	PROPN
ejif-1975	140	14	journal	journal	PROPN
ejif-1975	140	15	of	of	ADP
ejif-1975	140	16	islamic	islamic	PROPN
ejif-1975	140	17	finance	finance	PROPN
ejif-1975	140	18	no	no	DET
ejif-1975	140	19	6	6	NUM
ejif-1975	140	20	,	,	PUNCT
ejif-1975	140	21	feb	feb	X
ejif-1975	140	22	(	(	PUNCT
ejif-1975	140	23	2017	2017	NUM
ejif-1975	140	24	)	)	PUNCT
ejif-1975	141	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	141	2	issn	issn	VERB
ejif-1975	141	3	2421	2421	NUM
ejif-1975	141	4	-	-	SYM
ejif-1975	141	5	2172	2172	NUM
ejif-1975	141	6	6	6	NUM
ejif-1975	141	7	table	table	NOUN
ejif-1975	141	8	ii	ii	PROPN
ejif-1975	141	9	.	.	PUNCT
ejif-1975	141	10	efficiency	efficiency	NOUN
ejif-1975	141	11	takaful	takaful	ADJ
ejif-1975	141	12	firms	firm	NOUN
ejif-1975	141	13	year	year	VERB
ejif-1975	141	14	te	te	PROPN
ejif-1975	141	15	se	se	PROPN
ejif-1975	141	16	ae	ae	PROPN
ejif-1975	141	17	ce	ce	PROPN
ejif-1975	141	18	2007	2007	NUM
ejif-1975	141	19	0.88	0.88	NUM
ejif-1975	141	20	0.42	0.42	NUM
ejif-1975	141	21	0.72	0.72	NUM
ejif-1975	141	22	0.63	0.63	NUM
ejif-1975	141	23	2008	2008	NUM
ejif-1975	141	24	0.91	0.91	NUM
ejif-1975	141	25	0.40	0.40	NUM
ejif-1975	141	26	0.71	0.71	NUM
ejif-1975	141	27	0.65	0.65	NUM
ejif-1975	141	28	2009	2009	NUM
ejif-1975	141	29	0.89	0.89	NUM
ejif-1975	141	30	0.44	0.44	NUM
ejif-1975	141	31	0.69	0.69	NUM
ejif-1975	141	32	0.61	0.61	NUM
ejif-1975	141	33	2010	2010	NUM
ejif-1975	141	34	0.93	0.93	NUM
ejif-1975	141	35	0.41	0.41	NUM
ejif-1975	141	36	0.75	0.75	NUM
ejif-1975	141	37	0.70	0.70	NUM
ejif-1975	141	38	2011	2011	NUM
ejif-1975	141	39	0.92	0.92	NUM
ejif-1975	141	40	0.45	0.45	NUM
ejif-1975	141	41	0.70	0.70	NUM
ejif-1975	141	42	0.64	0.64	NUM
ejif-1975	141	43	2012	2012	NUM
ejif-1975	141	44	0.88	0.88	NUM
ejif-1975	141	45	0.38	0.38	NUM
ejif-1975	141	46	0.75	0.75	NUM
ejif-1975	141	47	0.66	0.66	NUM
ejif-1975	141	48	2013	2013	NUM
ejif-1975	141	49	0.95	0.95	NUM
ejif-1975	141	50	0.45	0.45	NUM
ejif-1975	141	51	0.71	0.71	NUM
ejif-1975	141	52	0.67	0.67	NUM
ejif-1975	141	53	2014	2014	NUM
ejif-1975	141	54	0.96	0.96	NUM
ejif-1975	141	55	0.47	0.47	NUM
ejif-1975	141	56	0.72	0.72	NUM
ejif-1975	141	57	0.69	0.69	NUM
ejif-1975	141	58	2015	2015	NUM
ejif-1975	141	59	0.96	0.96	NUM
ejif-1975	141	60	0.48	0.48	NUM
ejif-1975	141	61	0.72	0.72	NUM
ejif-1975	141	62	0.69	0.69	NUM
ejif-1975	141	63	mean	mean	NOUN
ejif-1975	141	64	0.909	0.909	NUM
ejif-1975	141	65	0.421	0.421	NUM
ejif-1975	141	66	0.719	0.719	NUM
ejif-1975	141	67	0.653	0.653	NUM
ejif-1975	141	68	sd	sd	ADP
ejif-1975	141	69	0.026726	0.026726	NUM
ejif-1975	141	70	0.026726	0.026726	NUM
ejif-1975	141	71	0.023401	0.023401	NUM
ejif-1975	141	72	0.027415	0.027415	NUM
ejif-1975	141	73	table	table	NOUN
ejif-1975	141	74	iii	iii	NOUN
ejif-1975	141	75	.	.	PUNCT
ejif-1975	141	76	efficiency	efficiency	NOUN
ejif-1975	141	77	insurance	insurance	NOUN
ejif-1975	141	78	sector	sector	NOUN
ejif-1975	141	79	year	year	NOUN
ejif-1975	141	80	te	te	PROPN
ejif-1975	141	81	se	se	PROPN
ejif-1975	141	82	ae	ae	PROPN
ejif-1975	141	83	ce	ce	PROPN
ejif-1975	141	84	2007	2007	NUM
ejif-1975	141	85	0.85	0.85	NUM
ejif-1975	141	86	0.58	0.58	NUM
ejif-1975	141	87	0.56	0.56	NUM
ejif-1975	141	88	0.47	0.47	NUM
ejif-1975	141	89	2008	2008	NUM
ejif-1975	141	90	0.89	0.89	NUM
ejif-1975	141	91	0.59	0.59	NUM
ejif-1975	141	92	0.58	0.58	NUM
ejif-1975	141	93	0.51	0.51	NUM
ejif-1975	141	94	2009	2009	NUM
ejif-1975	141	95	0.88	0.88	NUM
ejif-1975	141	96	0.48	0.48	NUM
ejif-1975	141	97	0.52	0.52	NUM
ejif-1975	141	98	0.46	0.46	NUM
ejif-1975	141	99	2010	2010	NUM
ejif-1975	141	100	0.94	0.94	NUM
ejif-1975	141	101	0.65	0.65	NUM
ejif-1975	141	102	0.58	0.58	NUM
ejif-1975	141	103	0.54	0.54	NUM
ejif-1975	141	104	2011	2011	NUM
ejif-1975	141	105	0.89	0.89	NUM
ejif-1975	141	106	0.69	0.69	NUM
ejif-1975	141	107	0.62	0.62	NUM
ejif-1975	141	108	0.55	0.55	NUM
ejif-1975	141	109	2012	2012	NUM
ejif-1975	141	110	0.90	0.90	NUM
ejif-1975	141	111	0.65	0.65	NUM
ejif-1975	141	112	0.64	0.64	NUM
ejif-1975	141	113	0.58	0.58	NUM
ejif-1975	141	114	2013	2013	NUM
ejif-1975	141	115	0.93	0.93	NUM
ejif-1975	141	116	0.67	0.67	NUM
ejif-1975	141	117	0.67	0.67	NUM
ejif-1975	141	118	0.62	0.62	NUM
ejif-1975	141	119	2014	2014	NUM
ejif-1975	141	120	0.94	0.94	NUM
ejif-1975	141	121	0.68	0.68	NUM
ejif-1975	141	122	0.67	0.67	NUM
ejif-1975	141	123	0.63	0.63	NUM
ejif-1975	141	124	2015	2015	NUM
ejif-1975	141	125	0.94	0.94	NUM
ejif-1975	141	126	0.68	0.68	NUM
ejif-1975	141	127	0.68	0.68	NUM
ejif-1975	141	128	0.64	0.64	NUM
ejif-1975	141	129	mean	mean	NOUN
ejif-1975	141	130	0.897	0.897	NUM
ejif-1975	141	131	0.615	0.615	NUM
ejif-1975	141	132	0.595	0.595	NUM
ejif-1975	141	133	0.534	0.534	NUM
ejif-1975	141	134	sd	sd	ADP
ejif-1975	141	135	0.02972	0.02972	NUM
ejif-1975	141	136	0.070887	0.070887	NUM
ejif-1975	141	137	0.049443	0.049443	NUM
ejif-1975	141	138	0.055702	0.055702	NUM
ejif-1975	142	1	the	the	DET
ejif-1975	142	2	results	result	NOUN
ejif-1975	142	3	in	in	ADP
ejif-1975	142	4	tables	table	NOUN
ejif-1975	142	5	1	1	NUM
ejif-1975	142	6	to	to	PART
ejif-1975	142	7	3	3	NUM
ejif-1975	142	8	above	above	ADV
ejif-1975	142	9	reveal	reveal	VERB
ejif-1975	142	10	that	that	SCONJ
ejif-1975	142	11	both	both	CCONJ
ejif-1975	142	12	takaful	takaful	ADJ
ejif-1975	142	13	and	and	CCONJ
ejif-1975	142	14	insurance	insurance	NOUN
ejif-1975	142	15	sector	sector	NOUN
ejif-1975	142	16	remain	remain	VERB
ejif-1975	142	17	technically	technically	ADV
ejif-1975	142	18	inefficient	inefficient	ADJ
ejif-1975	142	19	during	during	ADP
ejif-1975	142	20	the	the	DET
ejif-1975	142	21	period	period	NOUN
ejif-1975	142	22	2007	2007	NUM
ejif-1975	142	23	to	to	ADP
ejif-1975	142	24	2015	2015	NUM
ejif-1975	142	25	as	as	ADP
ejif-1975	142	26	the	the	DET
ejif-1975	142	27	value	value	NOUN
ejif-1975	142	28	of	of	ADP
ejif-1975	142	29	overall	overall	ADJ
ejif-1975	142	30	technically	technically	ADV
ejif-1975	142	31	efficiency	efficiency	NOUN
ejif-1975	142	32	index	index	NOUN
ejif-1975	142	33	is	be	AUX
ejif-1975	142	34	0.897	0.897	NUM
ejif-1975	142	35	which	which	PRON
ejif-1975	142	36	is	be	AUX
ejif-1975	142	37	below	below	ADP
ejif-1975	142	38	1	1	NUM
ejif-1975	142	39	.	.	PUNCT
ejif-1975	143	1	however	however	ADV
ejif-1975	143	2	,	,	PUNCT
ejif-1975	143	3	the	the	DET
ejif-1975	143	4	conventional	conventional	ADJ
ejif-1975	143	5	insurance	insurance	NOUN
ejif-1975	143	6	sector	sector	NOUN
ejif-1975	143	7	is	be	AUX
ejif-1975	143	8	lesser	less	ADJ
ejif-1975	143	9	technically	technically	ADV
ejif-1975	143	10	efficiency	efficiency	NOUN
ejif-1975	143	11	than	than	ADP
ejif-1975	143	12	takaful	takaful	ADJ
ejif-1975	143	13	sector	sector	NOUN
ejif-1975	143	14	because	because	SCONJ
ejif-1975	143	15	the	the	DET
ejif-1975	143	16	value	value	NOUN
ejif-1975	143	17	of	of	ADP
ejif-1975	143	18	technical	technical	ADJ
ejif-1975	143	19	efficiency	efficiency	NOUN
ejif-1975	143	20	index	index	NOUN
ejif-1975	143	21	of	of	ADP
ejif-1975	143	22	insurance	insurance	NOUN
ejif-1975	143	23	sector	sector	NOUN
ejif-1975	143	24	is	be	AUX
ejif-1975	143	25	0.887	0.887	NUM
ejif-1975	143	26	as	as	SCONJ
ejif-1975	143	27	given	give	VERB
ejif-1975	143	28	in	in	ADP
ejif-1975	143	29	the	the	DET
ejif-1975	143	30	first	first	ADJ
ejif-1975	143	31	column	column	NOUN
ejif-1975	143	32	of	of	ADP
ejif-1975	143	33	table	table	NOUN
ejif-1975	143	34	1	1	NUM
ejif-1975	143	35	which	which	PRON
ejif-1975	143	36	is	be	AUX
ejif-1975	143	37	lower	low	ADJ
ejif-1975	143	38	than	than	ADP
ejif-1975	143	39	the	the	DET
ejif-1975	143	40	technical	technical	ADJ
ejif-1975	143	41	efficiency	efficiency	NOUN
ejif-1975	143	42	index	index	NOUN
ejif-1975	143	43	of	of	ADP
ejif-1975	143	44	takaful	takaful	ADJ
ejif-1975	143	45	sector	sector	NOUN
ejif-1975	143	46	which	which	PRON
ejif-1975	143	47	is	be	AUX
ejif-1975	143	48	0.909	0.909	NUM
ejif-1975	143	49	.	.	PUNCT
ejif-1975	144	1	it	it	PRON
ejif-1975	144	2	can	can	AUX
ejif-1975	144	3	also	also	ADV
ejif-1975	144	4	be	be	AUX
ejif-1975	144	5	witnessed	witness	VERB
ejif-1975	144	6	that	that	SCONJ
ejif-1975	144	7	the	the	DET
ejif-1975	144	8	standard	standard	ADJ
ejif-1975	144	9	deviation	deviation	NOUN
ejif-1975	144	10	of	of	ADP
ejif-1975	144	11	technical	technical	ADJ
ejif-1975	144	12	efficiency	efficiency	NOUN
ejif-1975	144	13	index	index	NOUN
ejif-1975	144	14	of	of	ADP
ejif-1975	144	15	takaful	takaful	ADJ
ejif-1975	144	16	sector	sector	NOUN
ejif-1975	144	17	is	be	AUX
ejif-1975	144	18	0.0267	0.0267	NUM
ejif-1975	144	19	which	which	PRON
ejif-1975	144	20	is	be	AUX
ejif-1975	144	21	far	far	ADV
ejif-1975	144	22	lower	low	ADJ
ejif-1975	144	23	than	than	ADP
ejif-1975	144	24	the	the	DET
ejif-1975	144	25	standard	standard	ADJ
ejif-1975	144	26	deviation	deviation	NOUN
ejif-1975	144	27	of	of	ADP
ejif-1975	144	28	conventional	conventional	ADJ
ejif-1975	144	29	insurance	insurance	NOUN
ejif-1975	144	30	sector	sector	NOUN
ejif-1975	144	31	which	which	PRON
ejif-1975	144	32	is	be	AUX
ejif-1975	144	33	0.0399	0.0399	NUM
ejif-1975	144	34	showing	show	VERB
ejif-1975	144	35	takaful	takaful	ADJ
ejif-1975	144	36	sector	sector	NOUN
ejif-1975	144	37	is	be	AUX
ejif-1975	144	38	more	more	ADV
ejif-1975	144	39	consistent	consistent	ADJ
ejif-1975	144	40	in	in	ADP
ejif-1975	144	41	terms	term	NOUN
ejif-1975	144	42	of	of	ADP
ejif-1975	144	43	efficiency	efficiency	NOUN
ejif-1975	144	44	.	.	PUNCT
ejif-1975	145	1	the	the	DET
ejif-1975	145	2	results	result	NOUN
ejif-1975	145	3	also	also	ADV
ejif-1975	145	4	show	show	VERB
ejif-1975	145	5	that	that	SCONJ
ejif-1975	145	6	takaful	takaful	ADJ
ejif-1975	145	7	sector	sector	NOUN
ejif-1975	145	8	on	on	ADP
ejif-1975	145	9	the	the	DET
ejif-1975	145	10	average	average	NOUN
ejif-1975	145	11	requires	require	VERB
ejif-1975	145	12	approx	approx	PROPN
ejif-1975	145	13	10	10	NUM
ejif-1975	145	14	%	%	NOUN
ejif-1975	145	15	reduction	reduction	NOUN
ejif-1975	145	16	in	in	ADP
ejif-1975	145	17	the	the	DET
ejif-1975	145	18	input	input	NOUN
ejif-1975	145	19	level	level	NOUN
ejif-1975	145	20	to	to	PART
ejif-1975	145	21	achieve	achieve	VERB
ejif-1975	145	22	better	well	ADJ
ejif-1975	145	23	technical	technical	ADJ
ejif-1975	145	24	efficiency	efficiency	NOUN
ejif-1975	145	25	as	as	ADP
ejif-1975	145	26	compared	compare	VERB
ejif-1975	145	27	with	with	ADP
ejif-1975	145	28	their	their	PRON
ejif-1975	145	29	conventional	conventional	ADJ
ejif-1975	145	30	counterparts	counterpart	NOUN
ejif-1975	145	31	which	which	PRON
ejif-1975	145	32	require	require	VERB
ejif-1975	145	33	approx	approx	PROPN
ejif-1975	145	34	12	12	NUM
ejif-1975	145	35	%	%	NOUN
ejif-1975	145	36	reduction	reduction	NOUN
ejif-1975	145	37	in	in	ADP
ejif-1975	145	38	input	input	NOUN
ejif-1975	145	39	level	level	NOUN
ejif-1975	145	40	to	to	PART
ejif-1975	145	41	achieve	achieve	VERB
ejif-1975	145	42	the	the	DET
ejif-1975	145	43	same	same	ADJ
ejif-1975	145	44	levels	level	NOUN
ejif-1975	145	45	of	of	ADP
ejif-1975	145	46	output	output	NOUN
ejif-1975	145	47	respectively	respectively	ADV
ejif-1975	145	48	.	.	PUNCT
ejif-1975	146	1	tables	table	NOUN
ejif-1975	146	2	above	above	ADV
ejif-1975	146	3	also	also	ADV
ejif-1975	146	4	reveal	reveal	VERB
ejif-1975	146	5	the	the	DET
ejif-1975	146	6	scale	scale	NOUN
ejif-1975	146	7	efficiency	efficiency	NOUN
ejif-1975	146	8	of	of	ADP
ejif-1975	146	9	takaful	takaful	ADJ
ejif-1975	146	10	and	and	CCONJ
ejif-1975	146	11	conventional	conventional	ADJ
ejif-1975	146	12	sectors	sector	NOUN
ejif-1975	146	13	.	.	PUNCT
ejif-1975	147	1	this	this	DET
ejif-1975	147	2	scale	scale	NOUN
ejif-1975	147	3	efficiency	efficiency	NOUN
ejif-1975	147	4	shows	show	VERB
ejif-1975	147	5	the	the	DET
ejif-1975	147	6	level	level	NOUN
ejif-1975	147	7	of	of	ADP
ejif-1975	147	8	optimal	optimal	ADJ
ejif-1975	147	9	efficiency	efficiency	NOUN
ejif-1975	147	10	at	at	ADP
ejif-1975	147	11	which	which	PRON
ejif-1975	147	12	the	the	DET
ejif-1975	147	13	insurance	insurance	NOUN
ejif-1975	147	14	sector	sector	NOUN
ejif-1975	147	15	is	be	AUX
ejif-1975	147	16	operating	operate	VERB
ejif-1975	147	17	.	.	PUNCT
ejif-1975	148	1	its	its	PRON
ejif-1975	148	2	value	value	NOUN
ejif-1975	148	3	of	of	ADP
ejif-1975	148	4	1	1	NUM
ejif-1975	148	5	indicates	indicate	VERB
ejif-1975	148	6	constant	constant	ADJ
ejif-1975	148	7	return	return	NOUN
ejif-1975	148	8	to	to	ADP
ejif-1975	148	9	scale	scale	NOUN
ejif-1975	148	10	which	which	PRON
ejif-1975	148	11	means	mean	VERB
ejif-1975	148	12	the	the	DET
ejif-1975	148	13	sector	sector	NOUN
ejif-1975	148	14	or	or	CCONJ
ejif-1975	148	15	firm	firm	ADJ
ejif-1975	148	16	under	under	ADP
ejif-1975	148	17	analysis	analysis	NOUN
ejif-1975	148	18	is	be	AUX
ejif-1975	148	19	operating	operate	VERB
ejif-1975	148	20	at	at	ADP
ejif-1975	148	21	optimum	optimum	ADJ
ejif-1975	148	22	level	level	NOUN
ejif-1975	148	23	;	;	PUNCT
ejif-1975	148	24	the	the	DET
ejif-1975	148	25	level	level	NOUN
ejif-1975	148	26	below	below	ADP
ejif-1975	148	27	the	the	DET
ejif-1975	148	28	value	value	NOUN
ejif-1975	148	29	of	of	ADP
ejif-1975	148	30	one	one	NUM
ejif-1975	148	31	indicates	indicate	VERB
ejif-1975	148	32	increasing	increase	VERB
ejif-1975	148	33	returns	return	NOUN
ejif-1975	148	34	to	to	PART
ejif-1975	148	35	scale	scale	VERB
ejif-1975	148	36	and	and	CCONJ
ejif-1975	148	37	level	level	NOUN
ejif-1975	148	38	above	above	ADP
ejif-1975	148	39	1	1	NUM
ejif-1975	148	40	indicates	indicate	VERB
ejif-1975	148	41	decreasing	decrease	VERB
ejif-1975	148	42	return	return	NOUN
ejif-1975	148	43	to	to	PART
ejif-1975	148	44	scale	scale	NOUN
ejif-1975	148	45	which	which	PRON
ejif-1975	148	46	are	be	AUX
ejif-1975	148	47	both	both	CCONJ
ejif-1975	148	48	the	the	DET
ejif-1975	148	49	level	level	NOUN
ejif-1975	148	50	of	of	ADP
ejif-1975	148	51	operations	operation	NOUN
ejif-1975	148	52	deviated	deviate	VERB
ejif-1975	148	53	from	from	ADP
ejif-1975	148	54	optimality	optimality	NOUN
ejif-1975	148	55	.	.	PUNCT
ejif-1975	149	1	the	the	DET
ejif-1975	149	2	overall	overall	ADJ
ejif-1975	149	3	value	value	NOUN
ejif-1975	149	4	of	of	ADP
ejif-1975	149	5	insurance	insurance	NOUN
ejif-1975	149	6	sector	sector	NOUN
ejif-1975	149	7	presented	present	VERB
ejif-1975	149	8	in	in	ADP
ejif-1975	149	9	the	the	DET
ejif-1975	149	10	table	table	NOUN
ejif-1975	149	11	3	3	NUM
ejif-1975	149	12	above	above	ADV
ejif-1975	149	13	is	be	AUX
ejif-1975	149	14	approx	approx	PROPN
ejif-1975	149	15	62	62	NUM
ejif-1975	149	16	%	%	NOUN
ejif-1975	149	17	which	which	PRON
ejif-1975	149	18	indicates	indicate	VERB
ejif-1975	149	19	a	a	DET
ejif-1975	149	20	significant	significant	ADJ
ejif-1975	149	21	expansion	expansion	NOUN
ejif-1975	149	22	in	in	ADP
ejif-1975	149	23	insurance	insurance	NOUN
ejif-1975	149	24	sector	sector	NOUN
ejif-1975	149	25	.	.	PUNCT
ejif-1975	150	1	following	follow	VERB
ejif-1975	150	2	the	the	DET
ejif-1975	150	3	value	value	NOUN
ejif-1975	150	4	in	in	ADP
ejif-1975	150	5	tables	table	NOUN
ejif-1975	150	6	1	1	NUM
ejif-1975	150	7	&	&	CCONJ
ejif-1975	150	8	2	2	NUM
ejif-1975	150	9	reveals	reveal	VERB
ejif-1975	150	10	that	that	SCONJ
ejif-1975	150	11	expansion	expansion	NOUN
ejif-1975	150	12	in	in	ADP
ejif-1975	150	13	takaful	takaful	ADJ
ejif-1975	150	14	sector	sector	NOUN
ejif-1975	150	15	is	be	AUX
ejif-1975	150	16	higher	high	ADJ
ejif-1975	150	17	than	than	ADP
ejif-1975	150	18	expansion	expansion	NOUN
ejif-1975	150	19	in	in	ADP
ejif-1975	150	20	conventional	conventional	ADJ
ejif-1975	150	21	insurance	insurance	NOUN
ejif-1975	150	22	sector	sector	NOUN
ejif-1975	150	23	because	because	SCONJ
ejif-1975	150	24	the	the	DET
ejif-1975	150	25	value	value	NOUN
ejif-1975	150	26	of	of	ADP
ejif-1975	150	27	takaful	takaful	ADJ
ejif-1975	150	28	sector	sector	NOUN
ejif-1975	150	29	is	be	AUX
ejif-1975	150	30	approx	approx	PROPN
ejif-1975	150	31	42	42	NUM
ejif-1975	150	32	%	%	NOUN
ejif-1975	150	33	which	which	PRON
ejif-1975	150	34	is	be	AUX
ejif-1975	150	35	lower	low	ADJ
ejif-1975	150	36	than	than	ADP
ejif-1975	150	37	the	the	DET
ejif-1975	150	38	value	value	NOUN
ejif-1975	150	39	of	of	ADP
ejif-1975	150	40	conventional	conventional	ADJ
ejif-1975	150	41	insurance	insurance	NOUN
ejif-1975	150	42	sector	sector	NOUN
ejif-1975	150	43	which	which	PRON
ejif-1975	150	44	is	be	AUX
ejif-1975	150	45	approx	approx	PROPN
ejif-1975	150	46	76	76	NUM
ejif-1975	150	47	%	%	NOUN
ejif-1975	150	48	.	.	PUNCT
ejif-1975	151	1	also	also	ADV
ejif-1975	151	2	it	it	PRON
ejif-1975	151	3	means	mean	VERB
ejif-1975	151	4	that	that	SCONJ
ejif-1975	151	5	the	the	DET
ejif-1975	151	6	sectors	sector	NOUN
ejif-1975	151	7	with	with	ADP
ejif-1975	151	8	lower	low	ADJ
ejif-1975	151	9	value	value	NOUN
ejif-1975	151	10	need	need	VERB
ejif-1975	151	11	to	to	PART
ejif-1975	151	12	expand	expand	VERB
ejif-1975	151	13	their	their	PRON
ejif-1975	151	14	scale	scale	NOUN
ejif-1975	151	15	to	to	PART
ejif-1975	151	16	enjoy	enjoy	VERB
ejif-1975	151	17	economies	economy	NOUN
ejif-1975	151	18	of	of	ADP
ejif-1975	151	19	scale	scale	NOUN
ejif-1975	151	20	.	.	PUNCT
ejif-1975	152	1	furthermore	furthermore	ADV
ejif-1975	152	2	the	the	DET
ejif-1975	152	3	tables	table	NOUN
ejif-1975	152	4	one	one	NUM
ejif-1975	152	5	to	to	PART
ejif-1975	152	6	three	three	NUM
ejif-1975	152	7	above	above	ADV
ejif-1975	152	8	also	also	ADV
ejif-1975	152	9	reveal	reveal	VERB
ejif-1975	152	10	allocative	allocative	ADJ
ejif-1975	152	11	efficiency	efficiency	NOUN
ejif-1975	152	12	measures	measure	NOUN
ejif-1975	152	13	.	.	PUNCT
ejif-1975	153	1	table	table	NOUN
ejif-1975	153	2	3	3	NUM
ejif-1975	153	3	reveals	reveal	VERB
ejif-1975	153	4	the	the	DET
ejif-1975	153	5	value	value	NOUN
ejif-1975	153	6	as	as	ADP
ejif-1975	153	7	approx	approx	NOUN
ejif-1975	153	8	60	60	NUM
ejif-1975	153	9	%	%	NOUN
ejif-1975	153	10	which	which	PRON
ejif-1975	153	11	shows	show	VERB
ejif-1975	153	12	the	the	DET
ejif-1975	153	13	insurance	insurance	NOUN
ejif-1975	153	14	sector	sector	NOUN
ejif-1975	153	15	had	have	VERB
ejif-1975	153	16	40	40	NUM
ejif-1975	153	17	%	%	NOUN
ejif-1975	153	18	allocative	allocative	ADJ
ejif-1975	153	19	inefficiency	inefficiency	NOUN
ejif-1975	153	20	.	.	PUNCT
ejif-1975	154	1	however	however	ADV
ejif-1975	154	2	,	,	PUNCT
ejif-1975	154	3	this	this	DET
ejif-1975	154	4	inefficiency	inefficiency	NOUN
ejif-1975	154	5	is	be	AUX
ejif-1975	154	6	more	more	ADV
ejif-1975	154	7	contributed	contribute	VERB
ejif-1975	154	8	by	by	ADP
ejif-1975	154	9	conventional	conventional	ADJ
ejif-1975	154	10	insurance	insurance	NOUN
ejif-1975	154	11	sector	sector	NOUN
ejif-1975	154	12	which	which	PRON
ejif-1975	154	13	is	be	AUX
ejif-1975	154	14	approx	approx	PROPN
ejif-1975	154	15	50	50	NUM
ejif-1975	154	16	%	%	NOUN
ejif-1975	154	17	inefficient	inefficient	ADJ
ejif-1975	154	18	as	as	ADP
ejif-1975	154	19	compared	compare	VERB
ejif-1975	154	20	with	with	ADP
ejif-1975	154	21	takaful	takaful	ADJ
ejif-1975	154	22	sector	sector	NOUN
ejif-1975	154	23	which	which	PRON
ejif-1975	154	24	is	be	AUX
ejif-1975	154	25	approximately	approximately	ADV
ejif-1975	154	26	28	28	NUM
ejif-1975	154	27	%	%	NOUN
ejif-1975	154	28	inefficient	inefficient	ADJ
ejif-1975	154	29	.	.	PUNCT
ejif-1975	155	1	cost	cost	NOUN
ejif-1975	155	2	efficiency	efficiency	NOUN
ejif-1975	155	3	of	of	ADP
ejif-1975	155	4	the	the	DET
ejif-1975	155	5	firm	firm	NOUN
ejif-1975	155	6	is	be	AUX
ejif-1975	155	7	also	also	ADV
ejif-1975	155	8	affected	affect	VERB
ejif-1975	155	9	by	by	ADP
ejif-1975	155	10	allocative	allocative	ADJ
ejif-1975	155	11	efficiency	efficiency	NOUN
ejif-1975	155	12	.	.	PUNCT
ejif-1975	156	1	the	the	DET
ejif-1975	156	2	overall	overall	ADJ
ejif-1975	156	3	cost	cost	NOUN
ejif-1975	156	4	efficiency	efficiency	NOUN
ejif-1975	156	5	of	of	ADP
ejif-1975	156	6	the	the	DET
ejif-1975	156	7	insurance	insurance	NOUN
ejif-1975	156	8	sector	sector	NOUN
ejif-1975	156	9	during	during	ADP
ejif-1975	156	10	the	the	DET
ejif-1975	156	11	period	period	NOUN
ejif-1975	156	12	under	under	ADP
ejif-1975	156	13	analysis	analysis	NOUN
ejif-1975	156	14	is	be	AUX
ejif-1975	156	15	approx	approx	PROPN
ejif-1975	156	16	.	.	PUNCT
ejif-1975	156	17	,	,	PUNCT
ejif-1975	156	18	53	53	NUM
ejif-1975	156	19	%	%	NOUN
ejif-1975	156	20	as	as	SCONJ
ejif-1975	156	21	depicted	depict	VERB
ejif-1975	156	22	in	in	ADP
ejif-1975	156	23	table	table	NOUN
ejif-1975	156	24	2	2	NUM
ejif-1975	156	25	.	.	PUNCT
ejif-1975	157	1	an	an	DET
ejif-1975	157	2	analysis	analysis	NOUN
ejif-1975	157	3	of	of	ADP
ejif-1975	157	4	contributing	contribute	VERB
ejif-1975	157	5	tables	table	NOUN
ejif-1975	157	6	1	1	NUM
ejif-1975	157	7	and	and	CCONJ
ejif-1975	157	8	2	2	NUM
ejif-1975	157	9	reveals	reveal	VERB
ejif-1975	157	10	that	that	SCONJ
ejif-1975	157	11	takaful	takaful	ADJ
ejif-1975	157	12	sector	sector	NOUN
ejif-1975	157	13	is	be	AUX
ejif-1975	157	14	more	more	ADV
ejif-1975	157	15	efficient	efficient	ADJ
ejif-1975	157	16	during	during	ADP
ejif-1975	157	17	this	this	DET
ejif-1975	157	18	period	period	NOUN
ejif-1975	157	19	as	as	ADP
ejif-1975	157	20	compared	compare	VERB
ejif-1975	157	21	with	with	ADP
ejif-1975	157	22	conventional	conventional	ADJ
ejif-1975	157	23	insurance	insurance	NOUN
ejif-1975	157	24	sector	sector	NOUN
ejif-1975	157	25	as	as	SCONJ
ejif-1975	157	26	the	the	DET
ejif-1975	157	27	average	average	ADJ
ejif-1975	157	28	cost	cost	NOUN
ejif-1975	157	29	efficiency	efficiency	NOUN
ejif-1975	157	30	of	of	ADP
ejif-1975	157	31	takaful	takaful	ADJ
ejif-1975	157	32	sector	sector	NOUN
ejif-1975	157	33	is	be	AUX
ejif-1975	157	34	recorded	record	VERB
ejif-1975	157	35	at	at	ADP
ejif-1975	157	36	65	65	NUM
ejif-1975	157	37	%	%	NOUN
ejif-1975	157	38	as	as	ADP
ejif-1975	157	39	compared	compare	VERB
ejif-1975	157	40	with	with	ADP
ejif-1975	157	41	44	44	NUM
ejif-1975	157	42	%	%	NOUN
ejif-1975	157	43	of	of	ADP
ejif-1975	157	44	conventional	conventional	ADJ
ejif-1975	157	45	insurance	insurance	NOUN
ejif-1975	157	46	sector	sector	NOUN
ejif-1975	157	47	over	over	ADP
ejif-1975	157	48	the	the	DET
ejif-1975	157	49	same	same	ADJ
ejif-1975	157	50	period	period	NOUN
ejif-1975	157	51	.	.	PUNCT
ejif-1975	158	1	this	this	PRON
ejif-1975	158	2	shows	show	VERB
ejif-1975	158	3	that	that	SCONJ
ejif-1975	158	4	takaful	takaful	ADJ
ejif-1975	158	5	firms	firm	NOUN
ejif-1975	158	6	need	need	VERB
ejif-1975	158	7	to	to	PART
ejif-1975	158	8	reduce	reduce	VERB
ejif-1975	158	9	their	their	PRON
ejif-1975	158	10	expenditures	expenditure	NOUN
ejif-1975	158	11	by	by	ADP
ejif-1975	158	12	about	about	ADV
ejif-1975	158	13	35	35	NUM
ejif-1975	158	14	percent	percent	NOUN
ejif-1975	158	15	as	as	ADP
ejif-1975	158	16	compared	compare	VERB
ejif-1975	158	17	with	with	ADP
ejif-1975	158	18	55	55	NUM
ejif-1975	158	19	%	%	NOUN
ejif-1975	158	20	of	of	ADP
ejif-1975	158	21	conventional	conventional	ADJ
ejif-1975	158	22	insurance	insurance	NOUN
ejif-1975	158	23	sector	sector	NOUN
ejif-1975	158	24	to	to	PART
ejif-1975	158	25	produce	produce	VERB
ejif-1975	158	26	the	the	DET
ejif-1975	158	27	same	same	ADJ
ejif-1975	158	28	level	level	NOUN
ejif-1975	158	29	of	of	ADP
ejif-1975	158	30	output	output	NOUN
ejif-1975	158	31	.	.	PUNCT
ejif-1975	159	1	taking	take	VERB
ejif-1975	159	2	the	the	DET
ejif-1975	159	3	overall	overall	ADJ
ejif-1975	159	4	perspective	perspective	NOUN
ejif-1975	159	5	the	the	DET
ejif-1975	159	6	insurance	insurance	NOUN
ejif-1975	159	7	sector	sector	NOUN
ejif-1975	159	8	need	need	VERB
ejif-1975	159	9	to	to	PART
ejif-1975	159	10	reduce	reduce	VERB
ejif-1975	159	11	expenditures	expenditure	NOUN
ejif-1975	159	12	by	by	ADP
ejif-1975	159	13	about	about	ADV
ejif-1975	159	14	44	44	NUM
ejif-1975	159	15	%	%	NOUN
ejif-1975	159	16	to	to	PART
ejif-1975	159	17	produce	produce	VERB
ejif-1975	159	18	same	same	ADJ
ejif-1975	159	19	output	output	NOUN
ejif-1975	159	20	level	level	NOUN
ejif-1975	159	21	.	.	PUNCT
ejif-1975	160	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	160	2	ejif	ejif	PROPN
ejif-1975	160	3	–	–	PUNCT
ejif-1975	160	4	european	european	PROPN
ejif-1975	160	5	journal	journal	PROPN
ejif-1975	160	6	of	of	ADP
ejif-1975	160	7	islamic	islamic	PROPN
ejif-1975	160	8	finance	finance	PROPN
ejif-1975	160	9	no	no	DET
ejif-1975	160	10	6	6	NUM
ejif-1975	160	11	,	,	PUNCT
ejif-1975	160	12	feb	feb	X
ejif-1975	160	13	(	(	PUNCT
ejif-1975	160	14	2017	2017	NUM
ejif-1975	160	15	)	)	PUNCT
ejif-1975	161	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	161	2	issn	issn	VERB
ejif-1975	161	3	2421	2421	NUM
ejif-1975	161	4	-	-	SYM
ejif-1975	161	5	2172	2172	NUM
ejif-1975	161	6	7	7	NUM
ejif-1975	161	7	b.	b.	PROPN
ejif-1975	161	8	data	datum	NOUN
ejif-1975	161	9	analysis	analysis	NOUN
ejif-1975	161	10	of	of	ADP
ejif-1975	161	11	banking	banking	NOUN
ejif-1975	161	12	sector	sector	NOUN
ejif-1975	161	13	table	table	NOUN
ejif-1975	161	14	iv	iv	NOUN
ejif-1975	161	15	.	.	PUNCT
ejif-1975	161	16	efficiency	efficiency	NOUN
ejif-1975	161	17	of	of	ADP
ejif-1975	161	18	conventional	conventional	ADJ
ejif-1975	161	19	banks	bank	NOUN
ejif-1975	161	20	year	year	NOUN
ejif-1975	161	21	te	te	PROPN
ejif-1975	161	22	se	se	PROPN
ejif-1975	161	23	ae	ae	PROPN
ejif-1975	161	24	ce	ce	PROPN
ejif-1975	161	25	2007	2007	NUM
ejif-1975	161	26	0.67	0.67	NUM
ejif-1975	161	27	0.77	0.77	NUM
ejif-1975	161	28	0.52	0.52	NUM
ejif-1975	161	29	0.35	0.35	NUM
ejif-1975	161	30	2008	2008	NUM
ejif-1975	161	31	0.64	0.64	NUM
ejif-1975	161	32	0.79	0.79	NUM
ejif-1975	161	33	0.51	0.51	NUM
ejif-1975	161	34	0.33	0.33	NUM
ejif-1975	161	35	2009	2009	NUM
ejif-1975	161	36	0.66	0.66	NUM
ejif-1975	161	37	0.81	0.81	NUM
ejif-1975	161	38	0.54	0.54	NUM
ejif-1975	161	39	0.36	0.36	NUM
ejif-1975	161	40	2010	2010	NUM
ejif-1975	161	41	0.69	0.69	NUM
ejif-1975	161	42	0.82	0.82	NUM
ejif-1975	161	43	0.53	0.53	NUM
ejif-1975	161	44	0.37	0.37	NUM
ejif-1975	161	45	2011	2011	NUM
ejif-1975	161	46	0.71	0.71	NUM
ejif-1975	161	47	0.80	0.80	NUM
ejif-1975	161	48	0.57	0.57	NUM
ejif-1975	161	49	0.40	0.40	NUM
ejif-1975	161	50	2012	2012	NUM
ejif-1975	161	51	0.72	0.72	NUM
ejif-1975	161	52	0.83	0.83	NUM
ejif-1975	161	53	0.59	0.59	NUM
ejif-1975	161	54	0.42	0.42	NUM
ejif-1975	161	55	2013	2013	NUM
ejif-1975	161	56	0.72	0.72	NUM
ejif-1975	161	57	0.84	0.84	NUM
ejif-1975	161	58	0.58	0.58	NUM
ejif-1975	161	59	0.42	0.42	NUM
ejif-1975	161	60	2014	2014	NUM
ejif-1975	161	61	0.73	0.73	NUM
ejif-1975	161	62	0.85	0.85	NUM
ejif-1975	161	63	0.59	0.59	NUM
ejif-1975	161	64	0.43	0.43	NUM
ejif-1975	161	65	2015	2015	NUM
ejif-1975	161	66	0.74	0.74	NUM
ejif-1975	161	67	0.86	0.86	NUM
ejif-1975	161	68	0.61	0.61	NUM
ejif-1975	161	69	0.45	0.45	NUM
ejif-1975	161	70	mean	mean	NOUN
ejif-1975	161	71	0.698	0.698	NUM
ejif-1975	161	72	0.819	0.819	NUM
ejif-1975	161	73	0.560	0.560	NUM
ejif-1975	161	74	0.378	0.378	NUM
ejif-1975	161	75	sd	sd	ADP
ejif-1975	161	76	0.034561	0.034561	NUM
ejif-1975	161	77	0.029345	0.029345	NUM
ejif-1975	161	78	0.035707	0.035707	NUM
ejif-1975	161	79	0.037919	0.037919	NUM
ejif-1975	161	80	table	table	NOUN
ejif-1975	161	81	v.	v.	ADP
ejif-1975	161	82	efficiency	efficiency	NOUN
ejif-1975	161	83	islamic	islamic	ADJ
ejif-1975	161	84	banks	bank	NOUN
ejif-1975	161	85	year	year	NOUN
ejif-1975	161	86	te	te	PROPN
ejif-1975	161	87	se	se	PROPN
ejif-1975	161	88	ae	ae	PROPN
ejif-1975	161	89	ce	ce	PROPN
ejif-1975	161	90	2007	2007	NUM
ejif-1975	161	91	0.59	0.59	NUM
ejif-1975	162	1	0.70	0.70	NUM
ejif-1975	162	2	0.73	0.73	NUM
ejif-1975	162	3	0.43	0.43	NUM
ejif-1975	162	4	2008	2008	NUM
ejif-1975	162	5	0.63	0.63	NUM
ejif-1975	162	6	0.70	0.70	NUM
ejif-1975	162	7	0.75	0.75	NUM
ejif-1975	162	8	0.47	0.47	NUM
ejif-1975	162	9	2009	2009	NUM
ejif-1975	162	10	0.64	0.64	NUM
ejif-1975	162	11	0.72	0.72	NUM
ejif-1975	162	12	0.77	0.77	NUM
ejif-1975	162	13	0.49	0.49	NUM
ejif-1975	162	14	2010	2010	NUM
ejif-1975	162	15	0.67	0.67	NUM
ejif-1975	162	16	0.74	0.74	NUM
ejif-1975	162	17	0.76	0.76	NUM
ejif-1975	162	18	0.51	0.51	NUM
ejif-1975	162	19	2011	2011	NUM
ejif-1975	162	20	0.69	0.69	NUM
ejif-1975	162	21	0.73	0.73	NUM
ejif-1975	162	22	0.79	0.79	NUM
ejif-1975	162	23	0.55	0.55	NUM
ejif-1975	162	24	2012	2012	NUM
ejif-1975	162	25	0.70	0.70	NUM
ejif-1975	162	26	0.75	0.75	NUM
ejif-1975	162	27	0.80	0.80	NUM
ejif-1975	162	28	0.56	0.56	NUM
ejif-1975	162	29	2013	2013	NUM
ejif-1975	162	30	0.72	0.72	NUM
ejif-1975	162	31	0.74	0.74	NUM
ejif-1975	162	32	0.79	0.79	NUM
ejif-1975	162	33	0.57	0.57	NUM
ejif-1975	162	34	2014	2014	NUM
ejif-1975	162	35	0.73	0.73	NUM
ejif-1975	162	36	0.75	0.75	NUM
ejif-1975	162	37	0.81	0.81	NUM
ejif-1975	162	38	0.59	0.59	NUM
ejif-1975	162	39	2015	2015	NUM
ejif-1975	162	40	0.73	0.73	NUM
ejif-1975	162	41	0.76	0.76	NUM
ejif-1975	162	42	0.82	0.82	NUM
ejif-1975	162	43	0.60	0.60	NUM
ejif-1975	162	44	mean	mean	NOUN
ejif-1975	162	45	0.678	0.678	NUM
ejif-1975	162	46	0.732	0.732	NUM
ejif-1975	162	47	0.780	0.780	NUM
ejif-1975	162	48	0.511	0.511	NUM
ejif-1975	162	49	sd	sd	ADP
ejif-1975	162	50	0.049188	0.049188	NUM
ejif-1975	162	51	0.021667	0.021667	NUM
ejif-1975	162	52	0.02958	0.02958	NUM
ejif-1975	162	53	0.050281	0.050281	NUM
ejif-1975	162	54	table	table	NOUN
ejif-1975	162	55	vi	vi	PROPN
ejif-1975	162	56	.	.	PUNCT
ejif-1975	162	57	efficiency	efficiency	NOUN
ejif-1975	162	58	banking	banking	NOUN
ejif-1975	162	59	sector	sector	NOUN
ejif-1975	162	60	year	year	NOUN
ejif-1975	162	61	te	te	PROPN
ejif-1975	162	62	se	se	PROPN
ejif-1975	162	63	ae	ae	PROPN
ejif-1975	162	64	ce	ce	PROPN
ejif-1975	162	65	2007	2007	NUM
ejif-1975	162	66	0.63	0.63	NUM
ejif-1975	162	67	0.74	0.74	NUM
ejif-1975	162	68	0.61	0.61	NUM
ejif-1975	162	69	0.39	0.39	NUM
ejif-1975	162	70	2008	2008	NUM
ejif-1975	162	71	0.64	0.64	NUM
ejif-1975	162	72	0.75	0.75	NUM
ejif-1975	162	73	0.62	0.62	NUM
ejif-1975	162	74	0.39	0.39	NUM
ejif-1975	162	75	2009	2009	NUM
ejif-1975	162	76	0.65	0.65	NUM
ejif-1975	162	77	0.77	0.77	NUM
ejif-1975	162	78	0.64	0.64	NUM
ejif-1975	162	79	0.42	0.42	NUM
ejif-1975	162	80	2010	2010	NUM
ejif-1975	162	81	0.68	0.68	NUM
ejif-1975	162	82	0.78	0.78	NUM
ejif-1975	162	83	0.63	0.63	NUM
ejif-1975	162	84	0.43	0.43	NUM
ejif-1975	162	85	2011	2011	NUM
ejif-1975	162	86	0.70	0.70	NUM
ejif-1975	162	87	0.77	0.77	NUM
ejif-1975	162	88	0.67	0.67	NUM
ejif-1975	162	89	0.47	0.47	NUM
ejif-1975	162	90	2012	2012	NUM
ejif-1975	162	91	0.71	0.71	NUM
ejif-1975	162	92	0.79	0.79	NUM
ejif-1975	162	93	0.68	0.68	NUM
ejif-1975	162	94	0.49	0.49	NUM
ejif-1975	162	95	2013	2013	NUM
ejif-1975	162	96	0.72	0.72	NUM
ejif-1975	162	97	0.80	0.80	NUM
ejif-1975	162	98	0.67	0.67	NUM
ejif-1975	162	99	0.48	0.48	NUM
ejif-1975	162	100	2014	2014	NUM
ejif-1975	162	101	0.73	0.73	NUM
ejif-1975	162	102	0.81	0.81	NUM
ejif-1975	162	103	0.69	0.69	NUM
ejif-1975	162	104	0.50	0.50	NUM
ejif-1975	162	105	2015	2015	NUM
ejif-1975	162	106	0.74	0.74	NUM
ejif-1975	162	107	0.82	0.82	NUM
ejif-1975	162	108	0.70	0.70	NUM
ejif-1975	162	109	0.52	0.52	NUM
ejif-1975	162	110	mean	mean	NOUN
ejif-1975	162	111	0.677	0.677	NUM
ejif-1975	162	112	0.772	0.772	NUM
ejif-1975	162	113	0.646	0.646	NUM
ejif-1975	162	114	0.438	0.438	NUM
ejif-1975	162	115	sd	sd	ADP
ejif-1975	162	116	0.035981	0.035981	NUM
ejif-1975	162	117	0.02166	0.02166	NUM
ejif-1975	162	118	0.02815	0.02815	NUM
ejif-1975	162	119	0.041473	0.041473	NUM
ejif-1975	162	120	the	the	DET
ejif-1975	162	121	results	result	NOUN
ejif-1975	162	122	in	in	ADP
ejif-1975	162	123	tables	table	NOUN
ejif-1975	162	124	4	4	NUM
ejif-1975	162	125	to	to	PART
ejif-1975	162	126	6	6	NUM
ejif-1975	162	127	above	above	ADV
ejif-1975	162	128	reveal	reveal	VERB
ejif-1975	162	129	that	that	SCONJ
ejif-1975	162	130	both	both	CCONJ
ejif-1975	162	131	conventional	conventional	ADJ
ejif-1975	162	132	and	and	CCONJ
ejif-1975	162	133	islamic	islamic	ADJ
ejif-1975	162	134	banking	banking	NOUN
ejif-1975	162	135	sector	sector	NOUN
ejif-1975	162	136	remain	remain	VERB
ejif-1975	162	137	technically	technically	ADV
ejif-1975	162	138	inefficient	inefficient	ADJ
ejif-1975	162	139	during	during	ADP
ejif-1975	162	140	the	the	DET
ejif-1975	162	141	period	period	NOUN
ejif-1975	162	142	2007	2007	NUM
ejif-1975	162	143	to	to	ADP
ejif-1975	162	144	2013	2013	NUM
ejif-1975	162	145	as	as	ADP
ejif-1975	162	146	the	the	DET
ejif-1975	162	147	value	value	NOUN
ejif-1975	162	148	of	of	ADP
ejif-1975	162	149	overall	overall	ADJ
ejif-1975	162	150	technically	technically	ADV
ejif-1975	162	151	efficiency	efficiency	NOUN
ejif-1975	162	152	index	index	NOUN
ejif-1975	162	153	is	be	AUX
ejif-1975	162	154	0.677	0.677	NUM
ejif-1975	162	155	.	.	PUNCT
ejif-1975	163	1	however	however	ADV
ejif-1975	163	2	,	,	PUNCT
ejif-1975	163	3	the	the	DET
ejif-1975	163	4	conventional	conventional	ADJ
ejif-1975	163	5	banking	banking	NOUN
ejif-1975	163	6	sector	sector	NOUN
ejif-1975	163	7	is	be	AUX
ejif-1975	163	8	more	more	ADV
ejif-1975	163	9	technically	technically	ADV
ejif-1975	163	10	efficiency	efficiency	NOUN
ejif-1975	163	11	than	than	ADP
ejif-1975	163	12	islamic	islamic	ADJ
ejif-1975	163	13	banking	banking	NOUN
ejif-1975	163	14	sector	sector	NOUN
ejif-1975	163	15	because	because	SCONJ
ejif-1975	163	16	the	the	DET
ejif-1975	163	17	value	value	NOUN
ejif-1975	163	18	of	of	ADP
ejif-1975	163	19	technical	technical	ADJ
ejif-1975	163	20	efficiency	efficiency	NOUN
ejif-1975	163	21	index	index	NOUN
ejif-1975	163	22	of	of	ADP
ejif-1975	163	23	conventional	conventional	ADJ
ejif-1975	163	24	banking	banking	NOUN
ejif-1975	163	25	sector	sector	NOUN
ejif-1975	163	26	is	be	AUX
ejif-1975	163	27	0.687	0.687	NUM
ejif-1975	163	28	as	as	SCONJ
ejif-1975	163	29	given	give	VERB
ejif-1975	163	30	in	in	ADP
ejif-1975	163	31	the	the	DET
ejif-1975	163	32	first	first	ADJ
ejif-1975	163	33	column	column	NOUN
ejif-1975	163	34	of	of	ADP
ejif-1975	163	35	table	table	NOUN
ejif-1975	163	36	4	4	NUM
ejif-1975	163	37	which	which	PRON
ejif-1975	163	38	is	be	AUX
ejif-1975	163	39	higher	high	ADJ
ejif-1975	163	40	than	than	ADP
ejif-1975	163	41	the	the	DET
ejif-1975	163	42	technical	technical	ADJ
ejif-1975	163	43	efficiency	efficiency	NOUN
ejif-1975	163	44	index	index	NOUN
ejif-1975	163	45	of	of	ADP
ejif-1975	163	46	islamic	islamic	ADJ
ejif-1975	163	47	banking	banking	NOUN
ejif-1975	163	48	which	which	PRON
ejif-1975	163	49	is	be	AUX
ejif-1975	163	50	0.663	0.663	NUM
ejif-1975	163	51	.	.	PUNCT
ejif-1975	164	1	it	it	PRON
ejif-1975	164	2	can	can	AUX
ejif-1975	164	3	also	also	ADV
ejif-1975	164	4	be	be	AUX
ejif-1975	164	5	witnessed	witness	VERB
ejif-1975	164	6	that	that	SCONJ
ejif-1975	164	7	the	the	DET
ejif-1975	164	8	standard	standard	ADJ
ejif-1975	164	9	deviation	deviation	NOUN
ejif-1975	164	10	of	of	ADP
ejif-1975	164	11	technical	technical	ADJ
ejif-1975	164	12	efficiency	efficiency	NOUN
ejif-1975	164	13	index	index	NOUN
ejif-1975	164	14	of	of	ADP
ejif-1975	164	15	islamic	islamic	ADJ
ejif-1975	164	16	banking	banking	NOUN
ejif-1975	164	17	sector	sector	NOUN
ejif-1975	164	18	is	be	AUX
ejif-1975	164	19	0.045	0.045	NUM
ejif-1975	164	20	which	which	PRON
ejif-1975	164	21	is	be	AUX
ejif-1975	164	22	far	far	ADV
ejif-1975	164	23	higher	high	ADJ
ejif-1975	164	24	than	than	ADP
ejif-1975	164	25	the	the	DET
ejif-1975	164	26	standard	standard	ADJ
ejif-1975	164	27	deviation	deviation	NOUN
ejif-1975	164	28	of	of	ADP
ejif-1975	164	29	conventional	conventional	ADJ
ejif-1975	164	30	banking	banking	NOUN
ejif-1975	164	31	sector	sector	NOUN
ejif-1975	164	32	which	which	PRON
ejif-1975	164	33	is	be	AUX
ejif-1975	164	34	0.0314	0.0314	NUM
ejif-1975	164	35	showing	show	VERB
ejif-1975	164	36	that	that	SCONJ
ejif-1975	164	37	conventional	conventional	ADJ
ejif-1975	164	38	banking	banking	NOUN
ejif-1975	164	39	sector	sector	NOUN
ejif-1975	164	40	is	be	AUX
ejif-1975	164	41	more	more	ADV
ejif-1975	164	42	consistent	consistent	ADJ
ejif-1975	164	43	.	.	PUNCT
ejif-1975	165	1	the	the	DET
ejif-1975	165	2	results	result	NOUN
ejif-1975	165	3	also	also	ADV
ejif-1975	165	4	show	show	VERB
ejif-1975	165	5	that	that	SCONJ
ejif-1975	165	6	both	both	CCONJ
ejif-1975	165	7	islamic	islamic	ADJ
ejif-1975	165	8	and	and	CCONJ
ejif-1975	165	9	conventional	conventional	ADJ
ejif-1975	165	10	banking	banking	NOUN
ejif-1975	165	11	sectors	sector	NOUN
ejif-1975	165	12	on	on	ADP
ejif-1975	165	13	the	the	DET
ejif-1975	165	14	average	average	ADJ
ejif-1975	165	15	require	require	NOUN
ejif-1975	165	16	approx	approx	PROPN
ejif-1975	165	17	33	33	NUM
ejif-1975	165	18	%	%	NOUN
ejif-1975	165	19	reduction	reduction	NOUN
ejif-1975	165	20	in	in	ADP
ejif-1975	165	21	the	the	DET
ejif-1975	165	22	input	input	NOUN
ejif-1975	165	23	level	level	NOUN
ejif-1975	165	24	to	to	PART
ejif-1975	165	25	achieve	achieve	VERB
ejif-1975	165	26	better	well	ADJ
ejif-1975	165	27	technical	technical	ADJ
ejif-1975	165	28	efficiency	efficiency	NOUN
ejif-1975	165	29	.	.	PUNCT
ejif-1975	166	1	tables	table	NOUN
ejif-1975	166	2	above	above	ADV
ejif-1975	166	3	also	also	ADV
ejif-1975	166	4	reveal	reveal	VERB
ejif-1975	166	5	the	the	DET
ejif-1975	166	6	scale	scale	NOUN
ejif-1975	166	7	efficiency	efficiency	NOUN
ejif-1975	166	8	of	of	ADP
ejif-1975	166	9	islamic	islamic	ADJ
ejif-1975	166	10	and	and	CCONJ
ejif-1975	166	11	conventional	conventional	ADJ
ejif-1975	166	12	banking	banking	NOUN
ejif-1975	166	13	.	.	PUNCT
ejif-1975	167	1	this	this	DET
ejif-1975	167	2	scale	scale	NOUN
ejif-1975	167	3	shows	show	VERB
ejif-1975	167	4	the	the	DET
ejif-1975	167	5	level	level	NOUN
ejif-1975	167	6	of	of	ADP
ejif-1975	167	7	optimal	optimal	ADJ
ejif-1975	167	8	efficiency	efficiency	NOUN
ejif-1975	167	9	at	at	ADP
ejif-1975	167	10	which	which	PRON
ejif-1975	167	11	the	the	DET
ejif-1975	167	12	banking	banking	NOUN
ejif-1975	167	13	sector	sector	NOUN
ejif-1975	167	14	is	be	AUX
ejif-1975	167	15	operating	operate	VERB
ejif-1975	167	16	.	.	PUNCT
ejif-1975	168	1	the	the	DET
ejif-1975	168	2	overall	overall	ADJ
ejif-1975	168	3	value	value	NOUN
ejif-1975	168	4	of	of	ADP
ejif-1975	168	5	banking	banking	NOUN
ejif-1975	168	6	sector	sector	NOUN
ejif-1975	168	7	presented	present	VERB
ejif-1975	168	8	in	in	ADP
ejif-1975	168	9	the	the	DET
ejif-1975	168	10	table	table	NOUN
ejif-1975	168	11	6	6	NUM
ejif-1975	168	12	above	above	ADV
ejif-1975	168	13	is	be	AUX
ejif-1975	168	14	approx	approx	PROPN
ejif-1975	168	15	68	68	NUM
ejif-1975	168	16	%	%	NOUN
ejif-1975	168	17	which	which	PRON
ejif-1975	168	18	indicates	indicate	VERB
ejif-1975	168	19	a	a	DET
ejif-1975	168	20	significant	significant	ADJ
ejif-1975	168	21	expansion	expansion	NOUN
ejif-1975	168	22	in	in	ADP
ejif-1975	168	23	banking	banking	NOUN
ejif-1975	168	24	sector	sector	NOUN
ejif-1975	168	25	.	.	PUNCT
ejif-1975	169	1	following	follow	VERB
ejif-1975	169	2	the	the	DET
ejif-1975	169	3	value	value	NOUN
ejif-1975	169	4	in	in	ADP
ejif-1975	169	5	tables	table	NOUN
ejif-1975	169	6	4	4	NUM
ejif-1975	169	7	&	&	CCONJ
ejif-1975	169	8	5	5	NUM
ejif-1975	169	9	reveals	reveal	VERB
ejif-1975	169	10	that	that	SCONJ
ejif-1975	169	11	expansion	expansion	NOUN
ejif-1975	169	12	in	in	ADP
ejif-1975	169	13	conventional	conventional	ADJ
ejif-1975	169	14	banking	banking	NOUN
ejif-1975	169	15	sector	sector	NOUN
ejif-1975	169	16	is	be	AUX
ejif-1975	169	17	higher	high	ADJ
ejif-1975	169	18	than	than	ADP
ejif-1975	169	19	expansion	expansion	NOUN
ejif-1975	169	20	in	in	ADP
ejif-1975	169	21	islamic	islamic	ADJ
ejif-1975	169	22	banking	banking	NOUN
ejif-1975	169	23	sector	sector	NOUN
ejif-1975	169	24	because	because	SCONJ
ejif-1975	169	25	the	the	DET
ejif-1975	169	26	value	value	NOUN
ejif-1975	169	27	of	of	ADP
ejif-1975	169	28	islamic	islamic	ADJ
ejif-1975	169	29	banking	banking	NOUN
ejif-1975	169	30	sector	sector	NOUN
ejif-1975	169	31	is	be	AUX
ejif-1975	169	32	approx	approx	PROPN
ejif-1975	169	33	73	73	NUM
ejif-1975	169	34	%	%	NOUN
ejif-1975	169	35	which	which	PRON
ejif-1975	169	36	is	be	AUX
ejif-1975	169	37	lower	low	ADJ
ejif-1975	169	38	than	than	ADP
ejif-1975	169	39	the	the	DET
ejif-1975	169	40	value	value	NOUN
ejif-1975	169	41	of	of	ADP
ejif-1975	169	42	conventional	conventional	ADJ
ejif-1975	169	43	insurance	insurance	NOUN
ejif-1975	169	44	sector	sector	NOUN
ejif-1975	169	45	which	which	PRON
ejif-1975	169	46	is	be	AUX
ejif-1975	169	47	approx	approx	PROPN
ejif-1975	169	48	81	81	NUM
ejif-1975	169	49	%	%	NOUN
ejif-1975	169	50	.	.	PUNCT
ejif-1975	170	1	also	also	ADV
ejif-1975	170	2	it	it	PRON
ejif-1975	170	3	means	mean	VERB
ejif-1975	170	4	that	that	SCONJ
ejif-1975	170	5	the	the	DET
ejif-1975	170	6	sectors	sector	NOUN
ejif-1975	170	7	with	with	ADP
ejif-1975	170	8	lower	low	ADJ
ejif-1975	170	9	value	value	NOUN
ejif-1975	170	10	need	need	VERB
ejif-1975	170	11	to	to	PART
ejif-1975	170	12	expand	expand	VERB
ejif-1975	170	13	their	their	PRON
ejif-1975	170	14	scale	scale	NOUN
ejif-1975	170	15	to	to	PART
ejif-1975	170	16	enjoy	enjoy	VERB
ejif-1975	170	17	economies	economy	NOUN
ejif-1975	170	18	of	of	ADP
ejif-1975	170	19	scale	scale	NOUN
ejif-1975	170	20	.	.	PUNCT
ejif-1975	171	1	furthermore	furthermore	ADV
ejif-1975	171	2	,	,	PUNCT
ejif-1975	171	3	tables	table	VERB
ejif-1975	171	4	4	4	NUM
ejif-1975	171	5	to	to	PART
ejif-1975	171	6	6	6	NUM
ejif-1975	171	7	above	above	ADV
ejif-1975	171	8	also	also	ADV
ejif-1975	171	9	reveal	reveal	VERB
ejif-1975	171	10	allocative	allocative	ADJ
ejif-1975	171	11	efficiency	efficiency	NOUN
ejif-1975	171	12	measures	measure	NOUN
ejif-1975	171	13	.	.	PUNCT
ejif-1975	172	1	table	table	NOUN
ejif-1975	172	2	6	6	NUM
ejif-1975	172	3	reveals	reveal	VERB
ejif-1975	172	4	the	the	DET
ejif-1975	172	5	value	value	NOUN
ejif-1975	172	6	as	as	ADP
ejif-1975	172	7	approx	approx	PROPN
ejif-1975	172	8	65	65	NUM
ejif-1975	172	9	%	%	NOUN
ejif-1975	172	10	which	which	PRON
ejif-1975	172	11	shows	show	VERB
ejif-1975	172	12	the	the	DET
ejif-1975	172	13	banking	banking	NOUN
ejif-1975	172	14	sector	sector	NOUN
ejif-1975	172	15	has	have	VERB
ejif-1975	172	16	35	35	NUM
ejif-1975	172	17	%	%	NOUN
ejif-1975	172	18	allocative	allocative	ADJ
ejif-1975	172	19	inefficiency	inefficiency	NOUN
ejif-1975	172	20	.	.	PUNCT
ejif-1975	173	1	however	however	ADV
ejif-1975	173	2	,	,	PUNCT
ejif-1975	173	3	this	this	DET
ejif-1975	173	4	inefficiency	inefficiency	NOUN
ejif-1975	173	5	is	be	AUX
ejif-1975	173	6	more	more	ADV
ejif-1975	173	7	contributed	contribute	VERB
ejif-1975	173	8	by	by	ADP
ejif-1975	173	9	conventional	conventional	ADJ
ejif-1975	173	10	banking	banking	NOUN
ejif-1975	173	11	sector	sector	NOUN
ejif-1975	173	12	which	which	PRON
ejif-1975	173	13	is	be	AUX
ejif-1975	173	14	approx	approx	PROPN
ejif-1975	173	15	45	45	NUM
ejif-1975	173	16	%	%	NOUN
ejif-1975	173	17	inefficient	inefficient	ADJ
ejif-1975	173	18	as	as	SCONJ
ejif-1975	173	19	compared	compare	VERB
ejif-1975	173	20	with	with	ADP
ejif-1975	173	21	islamic	islamic	ADJ
ejif-1975	173	22	banking	banking	NOUN
ejif-1975	173	23	sector	sector	NOUN
ejif-1975	173	24	which	which	PRON
ejif-1975	173	25	is	be	AUX
ejif-1975	173	26	approximately	approximately	ADV
ejif-1975	173	27	23	23	NUM
ejif-1975	173	28	%	%	NOUN
ejif-1975	173	29	inefficient	inefficient	ADJ
ejif-1975	173	30	.	.	PUNCT
ejif-1975	174	1	the	the	DET
ejif-1975	174	2	overall	overall	ADJ
ejif-1975	174	3	cost	cost	NOUN
ejif-1975	174	4	efficiency	efficiency	NOUN
ejif-1975	174	5	of	of	ADP
ejif-1975	174	6	the	the	DET
ejif-1975	174	7	banking	banking	NOUN
ejif-1975	174	8	sector	sector	NOUN
ejif-1975	174	9	during	during	ADP
ejif-1975	174	10	the	the	DET
ejif-1975	174	11	period	period	NOUN
ejif-1975	174	12	under	under	ADP
ejif-1975	174	13	analysis	analysis	NOUN
ejif-1975	174	14	is	be	AUX
ejif-1975	174	15	approx	approx	PROPN
ejif-1975	174	16	.	.	PUNCT
ejif-1975	174	17	,	,	PUNCT
ejif-1975	174	18	44	44	NUM
ejif-1975	174	19	%	%	NOUN
ejif-1975	174	20	as	as	SCONJ
ejif-1975	174	21	depicted	depict	VERB
ejif-1975	174	22	in	in	ADP
ejif-1975	174	23	table	table	NOUN
ejif-1975	174	24	6	6	NUM
ejif-1975	174	25	.	.	PUNCT
ejif-1975	175	1	an	an	DET
ejif-1975	175	2	analysis	analysis	NOUN
ejif-1975	175	3	of	of	ADP
ejif-1975	175	4	contributing	contribute	VERB
ejif-1975	175	5	tables	table	NOUN
ejif-1975	175	6	4	4	NUM
ejif-1975	175	7	and	and	CCONJ
ejif-1975	175	8	5	5	NUM
ejif-1975	175	9	reveal	reveal	VERB
ejif-1975	175	10	that	that	SCONJ
ejif-1975	175	11	islamic	islamic	ADJ
ejif-1975	175	12	banks	bank	NOUN
ejif-1975	175	13	are	be	AUX
ejif-1975	175	14	more	more	ADJ
ejif-1975	175	15	cost	cost	NOUN
ejif-1975	175	16	efficient	efficient	ADJ
ejif-1975	175	17	as	as	ADP
ejif-1975	175	18	compared	compare	VERB
ejif-1975	175	19	with	with	ADP
ejif-1975	175	20	conventional	conventional	ADJ
ejif-1975	175	21	banks	bank	NOUN
ejif-1975	175	22	sector	sector	NOUN
ejif-1975	175	23	as	as	SCONJ
ejif-1975	175	24	the	the	DET
ejif-1975	175	25	average	average	ADJ
ejif-1975	175	26	cost	cost	NOUN
ejif-1975	175	27	efficiency	efficiency	NOUN
ejif-1975	175	28	of	of	ADP
ejif-1975	175	29	islamic	islamic	ADJ
ejif-1975	175	30	banks	bank	NOUN
ejif-1975	175	31	has	have	AUX
ejif-1975	175	32	been	be	AUX
ejif-1975	175	33	observed	observe	VERB
ejif-1975	175	34	at	at	ADP
ejif-1975	175	35	51	51	NUM
ejif-1975	175	36	%	%	NOUN
ejif-1975	175	37	as	as	ADP
ejif-1975	175	38	compared	compare	VERB
ejif-1975	175	39	with	with	ADP
ejif-1975	175	40	38	38	NUM
ejif-1975	175	41	%	%	NOUN
ejif-1975	175	42	of	of	ADP
ejif-1975	175	43	conventional	conventional	ADJ
ejif-1975	175	44	banking	banking	NOUN
ejif-1975	175	45	sector	sector	NOUN
ejif-1975	175	46	over	over	ADP
ejif-1975	175	47	the	the	DET
ejif-1975	175	48	same	same	ADJ
ejif-1975	175	49	period	period	NOUN
ejif-1975	175	50	.	.	PUNCT
ejif-1975	176	1	this	this	PRON
ejif-1975	176	2	shows	show	VERB
ejif-1975	176	3	that	that	SCONJ
ejif-1975	176	4	islamic	islamic	ADJ
ejif-1975	176	5	banks	bank	NOUN
ejif-1975	176	6	need	need	VERB
ejif-1975	176	7	to	to	PART
ejif-1975	176	8	reduce	reduce	VERB
ejif-1975	176	9	their	their	PRON
ejif-1975	176	10	expenditures	expenditure	NOUN
ejif-1975	176	11	by	by	ADP
ejif-1975	176	12	about	about	ADV
ejif-1975	176	13	49	49	NUM
ejif-1975	176	14	%	%	NOUN
ejif-1975	176	15	as	as	ADP
ejif-1975	176	16	compared	compare	VERB
ejif-1975	176	17	with	with	ADP
ejif-1975	176	18	62	62	NUM
ejif-1975	176	19	%	%	NOUN
ejif-1975	176	20	of	of	ADP
ejif-1975	176	21	conventional	conventional	ADJ
ejif-1975	176	22	banks	bank	NOUN
ejif-1975	176	23	to	to	PART
ejif-1975	176	24	produce	produce	VERB
ejif-1975	176	25	the	the	DET
ejif-1975	176	26	same	same	ADJ
ejif-1975	176	27	level	level	NOUN
ejif-1975	176	28	of	of	ADP
ejif-1975	176	29	output	output	NOUN
ejif-1975	176	30	.	.	PUNCT
ejif-1975	177	1	taking	take	VERB
ejif-1975	177	2	the	the	DET
ejif-1975	177	3	overall	overall	ADJ
ejif-1975	177	4	perspective	perspective	NOUN
ejif-1975	177	5	,	,	PUNCT
ejif-1975	177	6	banking	banking	NOUN
ejif-1975	177	7	sector	sector	NOUN
ejif-1975	177	8	needs	need	VERB
ejif-1975	177	9	to	to	PART
ejif-1975	177	10	reduce	reduce	VERB
ejif-1975	177	11	expenditures	expenditure	NOUN
ejif-1975	177	12	by	by	ADP
ejif-1975	177	13	about	about	ADV
ejif-1975	177	14	56	56	NUM
ejif-1975	177	15	%	%	NOUN
ejif-1975	177	16	to	to	PART
ejif-1975	177	17	produce	produce	VERB
ejif-1975	177	18	same	same	ADJ
ejif-1975	177	19	output	output	NOUN
ejif-1975	177	20	level	level	NOUN
ejif-1975	177	21	with	with	ADP
ejif-1975	177	22	major	major	ADJ
ejif-1975	177	23	contribution	contribution	NOUN
ejif-1975	177	24	from	from	ADP
ejif-1975	177	25	conventional	conventional	ADJ
ejif-1975	177	26	banking	banking	NOUN
ejif-1975	177	27	.	.	PUNCT
ejif-1975	178	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	178	2	ejif	ejif	PROPN
ejif-1975	178	3	–	–	PUNCT
ejif-1975	178	4	european	european	PROPN
ejif-1975	178	5	journal	journal	PROPN
ejif-1975	178	6	of	of	ADP
ejif-1975	178	7	islamic	islamic	PROPN
ejif-1975	178	8	finance	finance	PROPN
ejif-1975	178	9	no	no	DET
ejif-1975	178	10	6	6	NUM
ejif-1975	178	11	,	,	PUNCT
ejif-1975	178	12	feb	feb	X
ejif-1975	178	13	(	(	PUNCT
ejif-1975	178	14	2017	2017	NUM
ejif-1975	178	15	)	)	PUNCT
ejif-1975	179	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	179	2	issn	issn	VERB
ejif-1975	179	3	2421	2421	NUM
ejif-1975	179	4	-	-	SYM
ejif-1975	179	5	2172	2172	NUM
ejif-1975	179	6	8	8	NUM
ejif-1975	179	7	c.	c.	NOUN
ejif-1975	179	8	data	datum	NOUN
ejif-1975	179	9	analysis	analysis	NOUN
ejif-1975	179	10	for	for	ADP
ejif-1975	179	11	financial	financial	ADJ
ejif-1975	179	12	sector	sector	NOUN
ejif-1975	179	13	comprising	comprising	NOUN
ejif-1975	179	14	banking	banking	NOUN
ejif-1975	179	15	&	&	CCONJ
ejif-1975	179	16	insurance	insurance	PROPN
ejif-1975	179	17	table	table	NOUN
ejif-1975	179	18	vii	vii	PROPN
ejif-1975	179	19	.	.	PUNCT
ejif-1975	179	20	efficiency	efficiency	NOUN
ejif-1975	179	21	of	of	ADP
ejif-1975	179	22	conv	conv	ADJ
ejif-1975	179	23	financial	financial	ADJ
ejif-1975	179	24	services	service	NOUN
ejif-1975	179	25	sector	sector	NOUN
ejif-1975	179	26	year	year	NOUN
ejif-1975	179	27	te	te	PROPN
ejif-1975	179	28	se	se	PROPN
ejif-1975	179	29	ae	ae	PROPN
ejif-1975	179	30	ce	ce	PROPN
ejif-1975	179	31	2007	2007	NUM
ejif-1975	179	32	0.73	0.73	NUM
ejif-1975	179	33	0.75	0.75	NUM
ejif-1975	179	34	0.49	0.49	NUM
ejif-1975	179	35	0.35	0.35	NUM
ejif-1975	179	36	2008	2008	NUM
ejif-1975	179	37	0.73	0.73	NUM
ejif-1975	179	38	0.77	0.77	NUM
ejif-1975	179	39	0.49	0.49	NUM
ejif-1975	179	40	0.36	0.36	NUM
ejif-1975	179	41	2009	2009	NUM
ejif-1975	179	42	0.75	0.75	NUM
ejif-1975	179	43	0.69	0.69	NUM
ejif-1975	179	44	0.48	0.48	NUM
ejif-1975	179	45	0.36	0.36	NUM
ejif-1975	179	46	2010	2010	NUM
ejif-1975	179	47	0.79	0.79	NUM
ejif-1975	179	48	0.82	0.82	NUM
ejif-1975	179	49	0.50	0.50	NUM
ejif-1975	179	50	0.39	0.39	NUM
ejif-1975	179	51	2011	2011	NUM
ejif-1975	179	52	0.77	0.77	NUM
ejif-1975	179	53	0.83	0.83	NUM
ejif-1975	179	54	0.57	0.57	NUM
ejif-1975	179	55	0.44	0.44	NUM
ejif-1975	179	56	2012	2012	NUM
ejif-1975	179	57	0.80	0.80	NUM
ejif-1975	179	58	0.84	0.84	NUM
ejif-1975	179	59	0.57	0.57	NUM
ejif-1975	179	60	0.46	0.46	NUM
ejif-1975	179	61	2013	2013	NUM
ejif-1975	179	62	0.79	0.79	NUM
ejif-1975	179	63	0.84	0.84	NUM
ejif-1975	179	64	0.60	0.60	NUM
ejif-1975	179	65	0.48	0.48	NUM
ejif-1975	179	66	2014	2014	NUM
ejif-1975	179	67	0.80	0.80	NUM
ejif-1975	179	68	0.85	0.85	NUM
ejif-1975	179	69	0.61	0.61	NUM
ejif-1975	179	70	0.49	0.49	NUM
ejif-1975	179	71	2015	2015	NUM
ejif-1975	179	72	0.82	0.82	NUM
ejif-1975	179	73	0.86	0.86	NUM
ejif-1975	179	74	0.63	0.63	NUM
ejif-1975	179	75	0.51	0.51	NUM
ejif-1975	179	76	mean	mean	NOUN
ejif-1975	179	77	0.764	0.764	NUM
ejif-1975	179	78	0.792	0.792	NUM
ejif-1975	179	79	0.529	0.529	NUM
ejif-1975	179	80	0.405	0.405	NUM
ejif-1975	179	81	sd	sd	ADP
ejif-1975	179	82	0.030	0.030	NUM
ejif-1975	179	83	0.056	0.056	NUM
ejif-1975	179	84	0.049	0.049	NUM
ejif-1975	179	85	0.051	0.051	NUM
ejif-1975	179	86	table	table	NOUN
ejif-1975	179	87	viii	viii	NOUN
ejif-1975	179	88	.	.	PUNCT
ejif-1975	180	1	efficiency	efficiency	NOUN
ejif-1975	180	2	of	of	ADP
ejif-1975	180	3	islamic	islamic	ADJ
ejif-1975	180	4	financial	financial	ADJ
ejif-1975	180	5	services	service	NOUN
ejif-1975	180	6	sector	sector	NOUN
ejif-1975	180	7	year	year	NOUN
ejif-1975	180	8	te	te	PROPN
ejif-1975	180	9	se	se	PROPN
ejif-1975	180	10	ae	ae	PROPN
ejif-1975	180	11	ce	ce	PROPN
ejif-1975	180	12	2007	2007	NUM
ejif-1975	180	13	0.70	0.70	NUM
ejif-1975	180	14	0.59	0.59	NUM
ejif-1975	180	15	0.73	0.73	NUM
ejif-1975	180	16	0.51	0.51	NUM
ejif-1975	180	17	2008	2008	NUM
ejif-1975	180	18	0.74	0.74	NUM
ejif-1975	180	19	0.58	0.58	NUM
ejif-1975	180	20	0.73	0.73	NUM
ejif-1975	180	21	0.54	0.54	NUM
ejif-1975	180	22	2009	2009	NUM
ejif-1975	180	23	0.74	0.74	NUM
ejif-1975	180	24	0.61	0.61	NUM
ejif-1975	180	25	0.74	0.74	NUM
ejif-1975	180	26	0.54	0.54	NUM
ejif-1975	180	27	2010	2010	NUM
ejif-1975	180	28	0.77	0.77	NUM
ejif-1975	180	29	0.61	0.61	NUM
ejif-1975	180	30	0.76	0.76	NUM
ejif-1975	180	31	0.58	0.58	NUM
ejif-1975	180	32	2011	2011	NUM
ejif-1975	180	33	0.78	0.78	NUM
ejif-1975	180	34	0.62	0.62	NUM
ejif-1975	180	35	0.76	0.76	NUM
ejif-1975	180	36	0.59	0.59	NUM
ejif-1975	180	37	2012	2012	NUM
ejif-1975	180	38	0.77	0.77	NUM
ejif-1975	180	39	0.61	0.61	NUM
ejif-1975	180	40	0.78	0.78	NUM
ejif-1975	180	41	0.60	0.60	NUM
ejif-1975	180	42	2013	2013	NUM
ejif-1975	180	43	0.81	0.81	NUM
ejif-1975	180	44	0.63	0.63	NUM
ejif-1975	180	45	0.76	0.76	NUM
ejif-1975	180	46	0.61	0.61	NUM
ejif-1975	180	47	2014	2014	NUM
ejif-1975	180	48	0.82	0.82	NUM
ejif-1975	180	49	0.64	0.64	NUM
ejif-1975	180	50	0.78	0.78	NUM
ejif-1975	180	51	0.63	0.63	NUM
ejif-1975	180	52	2015	2015	NUM
ejif-1975	180	53	0.82	0.82	NUM
ejif-1975	180	54	0.65	0.65	NUM
ejif-1975	180	55	0.78	0.78	NUM
ejif-1975	180	56	0.64	0.64	NUM
ejif-1975	180	57	mean	mean	NOUN
ejif-1975	180	58	0.7578	0.7578	NUM
ejif-1975	180	59	0.6081	0.6081	NUM
ejif-1975	180	60	0.7501	0.7501	NUM
ejif-1975	180	61	0.5689	0.5689	NUM
ejif-1975	180	62	sd	sd	ADP
ejif-1975	180	63	0.0349	0.0349	NUM
ejif-1975	180	64	0.0156	0.0156	NUM
ejif-1975	180	65	0.0183	0.0183	NUM
ejif-1975	181	1	0.0374	0.0374	NUM
ejif-1975	181	2	table	table	NOUN
ejif-1975	181	3	ix	ix	ADP
ejif-1975	181	4	.	.	PUNCT
ejif-1975	181	5	efficiency	efficiency	NOUN
ejif-1975	181	6	of	of	ADP
ejif-1975	181	7	financial	financial	ADJ
ejif-1975	181	8	services	service	NOUN
ejif-1975	181	9	sector	sector	NOUN
ejif-1975	181	10	year	year	NOUN
ejif-1975	181	11	te	te	PROPN
ejif-1975	181	12	se	se	PROPN
ejif-1975	181	13	ae	ae	PROPN
ejif-1975	181	14	ce	ce	PROPN
ejif-1975	181	15	2007	2007	NUM
ejif-1975	181	16	0.72	0.72	NUM
ejif-1975	181	17	0.68	0.68	NUM
ejif-1975	181	18	0.59	0.59	NUM
ejif-1975	181	19	0.42	0.42	NUM
ejif-1975	181	20	2008	2008	NUM
ejif-1975	181	21	0.73	0.73	NUM
ejif-1975	181	22	0.69	0.69	NUM
ejif-1975	181	23	0.60	0.60	NUM
ejif-1975	181	24	0.44	0.44	NUM
ejif-1975	181	25	2009	2009	NUM
ejif-1975	181	26	0.74	0.74	NUM
ejif-1975	181	27	0.66	0.66	NUM
ejif-1975	181	28	0.59	0.59	NUM
ejif-1975	181	29	0.44	0.44	NUM
ejif-1975	181	30	2010	2010	NUM
ejif-1975	181	31	0.78	0.78	NUM
ejif-1975	181	32	0.73	0.73	NUM
ejif-1975	181	33	0.61	0.61	NUM
ejif-1975	181	34	0.48	0.48	NUM
ejif-1975	181	35	2011	2011	NUM
ejif-1975	181	36	0.77	0.77	NUM
ejif-1975	181	37	0.74	0.74	NUM
ejif-1975	181	38	0.65	0.65	NUM
ejif-1975	181	39	0.50	0.50	NUM
ejif-1975	181	40	2012	2012	NUM
ejif-1975	181	41	0.79	0.79	NUM
ejif-1975	181	42	0.74	0.74	NUM
ejif-1975	181	43	0.66	0.66	NUM
ejif-1975	181	44	0.52	0.52	NUM
ejif-1975	181	45	2013	2013	NUM
ejif-1975	181	46	0.80	0.80	NUM
ejif-1975	181	47	0.75	0.75	NUM
ejif-1975	181	48	0.67	0.67	NUM
ejif-1975	181	49	0.54	0.54	NUM
ejif-1975	181	50	2014	2014	NUM
ejif-1975	181	51	0.81	0.81	NUM
ejif-1975	181	52	0.76	0.76	NUM
ejif-1975	181	53	0.68	0.68	NUM
ejif-1975	181	54	0.55	0.55	NUM
ejif-1975	181	55	2015	2015	NUM
ejif-1975	181	56	0.81	0.81	NUM
ejif-1975	181	57	0.76	0.76	NUM
ejif-1975	181	58	0.69	0.69	NUM
ejif-1975	181	59	0.56	0.56	NUM
ejif-1975	181	60	mean	mean	NOUN
ejif-1975	181	61	0.762	0.762	NUM
ejif-1975	181	62	0.711	0.711	NUM
ejif-1975	181	63	0.626	0.626	NUM
ejif-1975	181	64	0.477	0.477	NUM
ejif-1975	181	65	sd	sd	ADP
ejif-1975	181	66	0.031	0.031	NUM
ejif-1975	181	67	0.035	0.035	NUM
ejif-1975	181	68	0.034	0.034	NUM
ejif-1975	181	69	0.044	0.044	NUM
ejif-1975	181	70	the	the	DET
ejif-1975	181	71	results	result	NOUN
ejif-1975	181	72	in	in	ADP
ejif-1975	181	73	tables	table	NOUN
ejif-1975	181	74	6	6	NUM
ejif-1975	181	75	to	to	PART
ejif-1975	181	76	9	9	NUM
ejif-1975	181	77	above	above	ADV
ejif-1975	181	78	reveal	reveal	VERB
ejif-1975	181	79	that	that	SCONJ
ejif-1975	181	80	financial	financial	ADJ
ejif-1975	181	81	services	service	NOUN
ejif-1975	181	82	sector	sector	NOUN
ejif-1975	181	83	consisting	consist	VERB
ejif-1975	181	84	of	of	ADP
ejif-1975	181	85	firms	firm	NOUN
ejif-1975	181	86	from	from	ADP
ejif-1975	181	87	conventional	conventional	ADJ
ejif-1975	181	88	and	and	CCONJ
ejif-1975	181	89	islamic	islamic	ADJ
ejif-1975	181	90	banking	banking	NOUN
ejif-1975	181	91	and	and	CCONJ
ejif-1975	181	92	insurance	insurance	NOUN
ejif-1975	181	93	sector	sector	NOUN
ejif-1975	181	94	remain	remain	VERB
ejif-1975	181	95	technically	technically	ADV
ejif-1975	181	96	inefficient	inefficient	ADJ
ejif-1975	181	97	during	during	ADP
ejif-1975	181	98	the	the	DET
ejif-1975	181	99	period	period	NOUN
ejif-1975	181	100	2007	2007	NUM
ejif-1975	181	101	to	to	ADP
ejif-1975	181	102	2015	2015	NUM
ejif-1975	181	103	as	as	ADP
ejif-1975	181	104	the	the	DET
ejif-1975	181	105	value	value	NOUN
ejif-1975	181	106	of	of	ADP
ejif-1975	181	107	their	their	PRON
ejif-1975	181	108	combined	combine	VERB
ejif-1975	181	109	technically	technically	ADJ
ejif-1975	181	110	efficiency	efficiency	NOUN
ejif-1975	181	111	index	index	NOUN
ejif-1975	181	112	is	be	AUX
ejif-1975	181	113	0.762	0.762	NUM
ejif-1975	181	114	.	.	PUNCT
ejif-1975	182	1	the	the	DET
ejif-1975	182	2	level	level	NOUN
ejif-1975	182	3	of	of	ADP
ejif-1975	182	4	productivity	productivity	NOUN
ejif-1975	182	5	in	in	ADP
ejif-1975	182	6	both	both	CCONJ
ejif-1975	182	7	the	the	DET
ejif-1975	182	8	sectors	sector	NOUN
ejif-1975	182	9	is	be	AUX
ejif-1975	182	10	also	also	ADV
ejif-1975	182	11	similar	similar	ADJ
ejif-1975	182	12	as	as	SCONJ
ejif-1975	182	13	the	the	DET
ejif-1975	182	14	values	value	NOUN
ejif-1975	182	15	of	of	ADP
ejif-1975	182	16	technical	technical	ADJ
ejif-1975	182	17	efficiencies	efficiency	NOUN
ejif-1975	182	18	are	be	AUX
ejif-1975	182	19	0.764	0.764	NUM
ejif-1975	182	20	and	and	CCONJ
ejif-1975	182	21	0.757	0.757	NUM
ejif-1975	182	22	respectively	respectively	ADV
ejif-1975	182	23	.	.	PUNCT
ejif-1975	183	1	however	however	ADV
ejif-1975	183	2	,	,	PUNCT
ejif-1975	183	3	it	it	PRON
ejif-1975	183	4	can	can	AUX
ejif-1975	183	5	also	also	ADV
ejif-1975	183	6	be	be	AUX
ejif-1975	183	7	witnessed	witness	VERB
ejif-1975	183	8	that	that	SCONJ
ejif-1975	183	9	the	the	DET
ejif-1975	183	10	standard	standard	ADJ
ejif-1975	183	11	deviation	deviation	NOUN
ejif-1975	183	12	of	of	ADP
ejif-1975	183	13	technical	technical	ADJ
ejif-1975	183	14	efficiency	efficiency	NOUN
ejif-1975	183	15	index	index	NOUN
ejif-1975	183	16	of	of	ADP
ejif-1975	183	17	islamic	islamic	ADJ
ejif-1975	183	18	financial	financial	ADJ
ejif-1975	183	19	services	service	NOUN
ejif-1975	183	20	sector	sector	NOUN
ejif-1975	183	21	is	be	AUX
ejif-1975	183	22	0.0349	0.0349	NUM
ejif-1975	183	23	which	which	PRON
ejif-1975	183	24	is	be	AUX
ejif-1975	183	25	far	far	ADV
ejif-1975	183	26	higher	high	ADJ
ejif-1975	183	27	than	than	ADP
ejif-1975	183	28	the	the	DET
ejif-1975	183	29	standard	standard	ADJ
ejif-1975	183	30	deviation	deviation	NOUN
ejif-1975	183	31	of	of	ADP
ejif-1975	183	32	conventional	conventional	ADJ
ejif-1975	183	33	financial	financial	ADJ
ejif-1975	183	34	sector	sector	NOUN
ejif-1975	183	35	which	which	PRON
ejif-1975	183	36	is	be	AUX
ejif-1975	183	37	0.030	0.030	NUM
ejif-1975	183	38	showing	show	VERB
ejif-1975	183	39	that	that	SCONJ
ejif-1975	183	40	conventional	conventional	ADJ
ejif-1975	183	41	financial	financial	ADJ
ejif-1975	183	42	services	service	NOUN
ejif-1975	183	43	sector	sector	NOUN
ejif-1975	183	44	is	be	AUX
ejif-1975	183	45	more	more	ADV
ejif-1975	183	46	consistent	consistent	ADJ
ejif-1975	183	47	.	.	PUNCT
ejif-1975	184	1	the	the	DET
ejif-1975	184	2	results	result	NOUN
ejif-1975	184	3	also	also	ADV
ejif-1975	184	4	show	show	VERB
ejif-1975	184	5	that	that	SCONJ
ejif-1975	184	6	both	both	CCONJ
ejif-1975	184	7	islamic	islamic	ADJ
ejif-1975	184	8	and	and	CCONJ
ejif-1975	184	9	conventional	conventional	ADJ
ejif-1975	184	10	financial	financial	ADJ
ejif-1975	184	11	services	service	NOUN
ejif-1975	184	12	sectors	sector	NOUN
ejif-1975	184	13	on	on	ADP
ejif-1975	184	14	the	the	DET
ejif-1975	184	15	average	average	ADJ
ejif-1975	184	16	require	require	NOUN
ejif-1975	184	17	approx	approx	PROPN
ejif-1975	184	18	24	24	NUM
ejif-1975	184	19	%	%	NOUN
ejif-1975	184	20	reduction	reduction	NOUN
ejif-1975	184	21	in	in	ADP
ejif-1975	184	22	the	the	DET
ejif-1975	184	23	input	input	NOUN
ejif-1975	184	24	level	level	NOUN
ejif-1975	184	25	to	to	PART
ejif-1975	184	26	achieve	achieve	VERB
ejif-1975	184	27	better	well	ADJ
ejif-1975	184	28	technical	technical	ADJ
ejif-1975	184	29	efficiency	efficiency	NOUN
ejif-1975	184	30	.	.	PUNCT
ejif-1975	185	1	tables	table	NOUN
ejif-1975	185	2	above	above	ADV
ejif-1975	185	3	also	also	ADV
ejif-1975	185	4	reveal	reveal	VERB
ejif-1975	185	5	the	the	DET
ejif-1975	185	6	scale	scale	NOUN
ejif-1975	185	7	efficiency	efficiency	NOUN
ejif-1975	185	8	of	of	ADP
ejif-1975	185	9	financial	financial	ADJ
ejif-1975	185	10	services	service	NOUN
ejif-1975	185	11	sector	sector	NOUN
ejif-1975	185	12	.	.	PUNCT
ejif-1975	186	1	this	this	DET
ejif-1975	186	2	scale	scale	NOUN
ejif-1975	186	3	shows	show	VERB
ejif-1975	186	4	the	the	DET
ejif-1975	186	5	level	level	NOUN
ejif-1975	186	6	of	of	ADP
ejif-1975	186	7	optimal	optimal	ADJ
ejif-1975	186	8	efficiency	efficiency	NOUN
ejif-1975	186	9	at	at	ADP
ejif-1975	186	10	which	which	PRON
ejif-1975	186	11	financial	financial	ADJ
ejif-1975	186	12	services	service	NOUN
ejif-1975	186	13	sector	sector	NOUN
ejif-1975	186	14	is	be	AUX
ejif-1975	186	15	operating	operate	VERB
ejif-1975	186	16	.	.	PUNCT
ejif-1975	187	1	the	the	DET
ejif-1975	187	2	overall	overall	ADJ
ejif-1975	187	3	value	value	NOUN
ejif-1975	187	4	of	of	ADP
ejif-1975	187	5	banking	banking	NOUN
ejif-1975	187	6	sector	sector	NOUN
ejif-1975	187	7	presented	present	VERB
ejif-1975	187	8	in	in	ADP
ejif-1975	187	9	the	the	DET
ejif-1975	187	10	table	table	NOUN
ejif-1975	187	11	9	9	NUM
ejif-1975	187	12	above	above	ADV
ejif-1975	187	13	is	be	AUX
ejif-1975	187	14	approx	approx	PROPN
ejif-1975	187	15	71	71	NUM
ejif-1975	187	16	%	%	NOUN
ejif-1975	187	17	which	which	PRON
ejif-1975	187	18	indicates	indicate	VERB
ejif-1975	187	19	a	a	DET
ejif-1975	187	20	significant	significant	ADJ
ejif-1975	187	21	expansion	expansion	NOUN
ejif-1975	187	22	in	in	ADP
ejif-1975	187	23	financial	financial	ADJ
ejif-1975	187	24	services	service	NOUN
ejif-1975	187	25	sector	sector	NOUN
ejif-1975	187	26	.	.	PUNCT
ejif-1975	188	1	following	follow	VERB
ejif-1975	188	2	the	the	DET
ejif-1975	188	3	value	value	NOUN
ejif-1975	188	4	in	in	ADP
ejif-1975	188	5	tables	table	NOUN
ejif-1975	188	6	7	7	NUM
ejif-1975	188	7	&	&	CCONJ
ejif-1975	188	8	8	8	NUM
ejif-1975	188	9	reveals	reveal	VERB
ejif-1975	188	10	that	that	SCONJ
ejif-1975	188	11	expansion	expansion	NOUN
ejif-1975	188	12	in	in	ADP
ejif-1975	188	13	conventional	conventional	ADJ
ejif-1975	188	14	financial	financial	ADJ
ejif-1975	188	15	services	service	NOUN
ejif-1975	188	16	sector	sector	NOUN
ejif-1975	188	17	is	be	AUX
ejif-1975	188	18	higher	high	ADJ
ejif-1975	188	19	than	than	ADP
ejif-1975	188	20	expansion	expansion	NOUN
ejif-1975	188	21	in	in	ADP
ejif-1975	188	22	islamic	islamic	ADJ
ejif-1975	188	23	financial	financial	ADJ
ejif-1975	188	24	services	service	NOUN
ejif-1975	188	25	sector	sector	NOUN
ejif-1975	188	26	because	because	SCONJ
ejif-1975	188	27	the	the	DET
ejif-1975	188	28	value	value	NOUN
ejif-1975	188	29	of	of	ADP
ejif-1975	188	30	islamic	islamic	ADJ
ejif-1975	188	31	financial	financial	ADJ
ejif-1975	188	32	services	service	NOUN
ejif-1975	188	33	sector	sector	NOUN
ejif-1975	188	34	is	be	AUX
ejif-1975	188	35	approx	approx	PROPN
ejif-1975	188	36	61	61	NUM
ejif-1975	188	37	%	%	NOUN
ejif-1975	188	38	which	which	PRON
ejif-1975	188	39	is	be	AUX
ejif-1975	188	40	lower	low	ADJ
ejif-1975	188	41	than	than	ADP
ejif-1975	188	42	the	the	DET
ejif-1975	188	43	value	value	NOUN
ejif-1975	188	44	of	of	ADP
ejif-1975	188	45	conventional	conventional	ADJ
ejif-1975	188	46	financial	financial	ADJ
ejif-1975	188	47	services	service	NOUN
ejif-1975	188	48	sector	sector	NOUN
ejif-1975	188	49	which	which	PRON
ejif-1975	188	50	is	be	AUX
ejif-1975	188	51	approx	approx	PROPN
ejif-1975	188	52	81	81	NUM
ejif-1975	188	53	%	%	NOUN
ejif-1975	188	54	.	.	PUNCT
ejif-1975	189	1	also	also	ADV
ejif-1975	189	2	it	it	PRON
ejif-1975	189	3	means	mean	VERB
ejif-1975	189	4	that	that	SCONJ
ejif-1975	189	5	the	the	DET
ejif-1975	189	6	sectors	sector	NOUN
ejif-1975	189	7	with	with	ADP
ejif-1975	189	8	lower	low	ADJ
ejif-1975	189	9	value	value	NOUN
ejif-1975	189	10	need	need	VERB
ejif-1975	189	11	to	to	PART
ejif-1975	189	12	expand	expand	VERB
ejif-1975	189	13	their	their	PRON
ejif-1975	189	14	scale	scale	NOUN
ejif-1975	189	15	to	to	PART
ejif-1975	189	16	enjoy	enjoy	VERB
ejif-1975	189	17	economies	economy	NOUN
ejif-1975	189	18	of	of	ADP
ejif-1975	189	19	scale	scale	NOUN
ejif-1975	189	20	.	.	PUNCT
ejif-1975	190	1	furthermore	furthermore	ADV
ejif-1975	190	2	the	the	DET
ejif-1975	190	3	tables	table	NOUN
ejif-1975	190	4	7	7	NUM
ejif-1975	190	5	to	to	PART
ejif-1975	190	6	9	9	NUM
ejif-1975	190	7	above	above	ADV
ejif-1975	190	8	also	also	ADV
ejif-1975	190	9	reveal	reveal	VERB
ejif-1975	190	10	allocative	allocative	ADJ
ejif-1975	190	11	efficiency	efficiency	NOUN
ejif-1975	190	12	measures	measure	NOUN
ejif-1975	190	13	.	.	PUNCT
ejif-1975	191	1	table	table	NOUN
ejif-1975	191	2	9	9	NUM
ejif-1975	191	3	reveals	reveal	VERB
ejif-1975	191	4	the	the	DET
ejif-1975	191	5	value	value	NOUN
ejif-1975	191	6	as	as	ADP
ejif-1975	191	7	approx	approx	PROPN
ejif-1975	191	8	63	63	NUM
ejif-1975	191	9	%	%	NOUN
ejif-1975	191	10	which	which	PRON
ejif-1975	191	11	shows	show	VERB
ejif-1975	191	12	that	that	SCONJ
ejif-1975	191	13	the	the	DET
ejif-1975	191	14	financial	financial	ADJ
ejif-1975	191	15	services	service	NOUN
ejif-1975	191	16	sector	sector	NOUN
ejif-1975	191	17	has	have	VERB
ejif-1975	191	18	37	37	NUM
ejif-1975	191	19	%	%	NOUN
ejif-1975	191	20	allocative	allocative	ADJ
ejif-1975	191	21	inefficiency	inefficiency	NOUN
ejif-1975	191	22	.	.	PUNCT
ejif-1975	192	1	however	however	ADV
ejif-1975	192	2	,	,	PUNCT
ejif-1975	192	3	this	this	DET
ejif-1975	192	4	inefficiency	inefficiency	NOUN
ejif-1975	192	5	is	be	AUX
ejif-1975	192	6	more	more	ADV
ejif-1975	192	7	contributed	contribute	VERB
ejif-1975	192	8	by	by	ADP
ejif-1975	192	9	conventional	conventional	ADJ
ejif-1975	192	10	financial	financial	ADJ
ejif-1975	192	11	sector	sector	NOUN
ejif-1975	192	12	which	which	PRON
ejif-1975	192	13	is	be	AUX
ejif-1975	192	14	approx	approx	PROPN
ejif-1975	192	15	47	47	NUM
ejif-1975	192	16	%	%	NOUN
ejif-1975	192	17	inefficient	inefficient	ADJ
ejif-1975	192	18	as	as	SCONJ
ejif-1975	192	19	compared	compare	VERB
ejif-1975	192	20	with	with	ADP
ejif-1975	192	21	islamic	islamic	ADJ
ejif-1975	192	22	financial	financial	ADJ
ejif-1975	192	23	services	service	NOUN
ejif-1975	192	24	sector	sector	NOUN
ejif-1975	192	25	which	which	PRON
ejif-1975	192	26	is	be	AUX
ejif-1975	192	27	approximately	approximately	ADV
ejif-1975	192	28	25	25	NUM
ejif-1975	192	29	%	%	NOUN
ejif-1975	192	30	inefficient	inefficient	ADJ
ejif-1975	192	31	.	.	PUNCT
ejif-1975	193	1	cost	cost	NOUN
ejif-1975	193	2	efficiency	efficiency	NOUN
ejif-1975	193	3	of	of	ADP
ejif-1975	193	4	any	any	DET
ejif-1975	193	5	organization	organization	NOUN
ejif-1975	193	6	or	or	CCONJ
ejif-1975	193	7	sector	sector	NOUN
ejif-1975	193	8	is	be	AUX
ejif-1975	193	9	also	also	ADV
ejif-1975	193	10	affected	affect	VERB
ejif-1975	193	11	by	by	ADP
ejif-1975	193	12	allocative	allocative	ADJ
ejif-1975	193	13	efficiency	efficiency	NOUN
ejif-1975	193	14	.	.	PUNCT
ejif-1975	194	1	overall	overall	ADJ
ejif-1975	194	2	cost	cost	NOUN
ejif-1975	194	3	efficiency	efficiency	NOUN
ejif-1975	194	4	of	of	ADP
ejif-1975	194	5	the	the	DET
ejif-1975	194	6	financial	financial	ADJ
ejif-1975	194	7	services	service	NOUN
ejif-1975	194	8	sector	sector	NOUN
ejif-1975	194	9	during	during	ADP
ejif-1975	194	10	the	the	DET
ejif-1975	194	11	period	period	NOUN
ejif-1975	194	12	under	under	ADP
ejif-1975	194	13	analysis	analysis	NOUN
ejif-1975	194	14	is	be	AUX
ejif-1975	194	15	approx	approx	PROPN
ejif-1975	194	16	.	.	PUNCT
ejif-1975	194	17	,	,	PUNCT
ejif-1975	194	18	48	48	NUM
ejif-1975	194	19	%	%	NOUN
ejif-1975	194	20	as	as	SCONJ
ejif-1975	194	21	depicted	depict	VERB
ejif-1975	194	22	in	in	ADP
ejif-1975	194	23	table	table	NOUN
ejif-1975	194	24	9	9	NUM
ejif-1975	194	25	.	.	PUNCT
ejif-1975	195	1	an	an	DET
ejif-1975	195	2	analysis	analysis	NOUN
ejif-1975	195	3	of	of	ADP
ejif-1975	195	4	contributing	contribute	VERB
ejif-1975	195	5	tables	table	NOUN
ejif-1975	195	6	7	7	NUM
ejif-1975	195	7	and	and	CCONJ
ejif-1975	195	8	8	8	NUM
ejif-1975	195	9	reveal	reveal	VERB
ejif-1975	195	10	that	that	SCONJ
ejif-1975	195	11	islamic	islamic	ADJ
ejif-1975	195	12	financial	financial	ADJ
ejif-1975	195	13	services	service	NOUN
ejif-1975	195	14	sector	sector	NOUN
ejif-1975	195	15	is	be	AUX
ejif-1975	195	16	more	more	ADJ
ejif-1975	195	17	cost	cost	NOUN
ejif-1975	195	18	efficient	efficient	ADJ
ejif-1975	195	19	as	as	ADP
ejif-1975	195	20	compared	compare	VERB
ejif-1975	195	21	with	with	ADP
ejif-1975	195	22	conventional	conventional	ADJ
ejif-1975	195	23	financial	financial	ADJ
ejif-1975	195	24	services	service	NOUN
ejif-1975	195	25	sector	sector	NOUN
ejif-1975	195	26	as	as	SCONJ
ejif-1975	195	27	the	the	DET
ejif-1975	195	28	average	average	ADJ
ejif-1975	195	29	cost	cost	NOUN
ejif-1975	195	30	efficiency	efficiency	NOUN
ejif-1975	195	31	of	of	ADP
ejif-1975	195	32	islamic	islamic	ADJ
ejif-1975	195	33	banks	bank	NOUN
ejif-1975	195	34	has	have	AUX
ejif-1975	195	35	been	be	AUX
ejif-1975	195	36	observed	observe	VERB
ejif-1975	195	37	at	at	ADP
ejif-1975	195	38	57	57	NUM
ejif-1975	195	39	%	%	NOUN
ejif-1975	195	40	as	as	ADP
ejif-1975	195	41	compared	compare	VERB
ejif-1975	195	42	with	with	ADP
ejif-1975	195	43	40	40	NUM
ejif-1975	195	44	%	%	NOUN
ejif-1975	195	45	of	of	ADP
ejif-1975	195	46	conventional	conventional	ADJ
ejif-1975	195	47	financial	financial	ADJ
ejif-1975	195	48	services	service	NOUN
ejif-1975	195	49	sector	sector	NOUN
ejif-1975	195	50	over	over	ADP
ejif-1975	195	51	the	the	DET
ejif-1975	195	52	same	same	ADJ
ejif-1975	195	53	period	period	NOUN
ejif-1975	195	54	.	.	PUNCT
ejif-1975	196	1	this	this	PRON
ejif-1975	196	2	shows	show	VERB
ejif-1975	196	3	that	that	SCONJ
ejif-1975	196	4	islamic	islamic	ADJ
ejif-1975	196	5	financial	financial	ADJ
ejif-1975	196	6	sector	sector	NOUN
ejif-1975	196	7	need	need	VERB
ejif-1975	196	8	to	to	PART
ejif-1975	196	9	reduce	reduce	VERB
ejif-1975	196	10	their	their	PRON
ejif-1975	196	11	expenditures	expenditure	NOUN
ejif-1975	196	12	by	by	ADP
ejif-1975	196	13	about	about	ADV
ejif-1975	196	14	43	43	NUM
ejif-1975	196	15	%	%	NOUN
ejif-1975	196	16	as	as	ADP
ejif-1975	196	17	compared	compare	VERB
ejif-1975	196	18	with	with	ADP
ejif-1975	196	19	60	60	NUM
ejif-1975	196	20	%	%	NOUN
ejif-1975	196	21	of	of	ADP
ejif-1975	196	22	conventional	conventional	ADJ
ejif-1975	196	23	financial	financial	ADJ
ejif-1975	196	24	sector	sector	NOUN
ejif-1975	196	25	to	to	PART
ejif-1975	196	26	produce	produce	VERB
ejif-1975	196	27	the	the	DET
ejif-1975	196	28	same	same	ADJ
ejif-1975	196	29	level	level	NOUN
ejif-1975	196	30	of	of	ADP
ejif-1975	196	31	output	output	NOUN
ejif-1975	196	32	.	.	PUNCT
ejif-1975	197	1	taking	take	VERB
ejif-1975	197	2	the	the	DET
ejif-1975	197	3	overall	overall	ADJ
ejif-1975	197	4	perspective	perspective	NOUN
ejif-1975	197	5	the	the	DET
ejif-1975	197	6	financial	financial	ADJ
ejif-1975	197	7	sector	sector	NOUN
ejif-1975	197	8	need	need	VERB
ejif-1975	197	9	to	to	PART
ejif-1975	197	10	reduce	reduce	VERB
ejif-1975	197	11	expenditures	expenditure	NOUN
ejif-1975	197	12	by	by	ADP
ejif-1975	197	13	about	about	ADV
ejif-1975	197	14	52	52	NUM
ejif-1975	197	15	%	%	NOUN
ejif-1975	197	16	to	to	PART
ejif-1975	197	17	produce	produce	VERB
ejif-1975	197	18	same	same	ADJ
ejif-1975	197	19	output	output	NOUN
ejif-1975	197	20	level	level	NOUN
ejif-1975	197	21	.	.	PUNCT
ejif-1975	198	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	198	2	ejif	ejif	PROPN
ejif-1975	198	3	–	–	PUNCT
ejif-1975	198	4	european	european	PROPN
ejif-1975	198	5	journal	journal	PROPN
ejif-1975	198	6	of	of	ADP
ejif-1975	198	7	islamic	islamic	PROPN
ejif-1975	198	8	finance	finance	PROPN
ejif-1975	198	9	no	no	DET
ejif-1975	198	10	6	6	NUM
ejif-1975	198	11	,	,	PUNCT
ejif-1975	198	12	feb	feb	X
ejif-1975	198	13	(	(	PUNCT
ejif-1975	198	14	2017	2017	NUM
ejif-1975	198	15	)	)	PUNCT
ejif-1975	199	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	199	2	issn	issn	VERB
ejif-1975	199	3	2421	2421	NUM
ejif-1975	199	4	-	-	SYM
ejif-1975	199	5	2172	2172	NUM
ejif-1975	199	6	9	9	NUM
ejif-1975	199	7	v.	v.	ADP
ejif-1975	199	8	conclusion	conclusion	NOUN
ejif-1975	199	9	the	the	DET
ejif-1975	199	10	findings	finding	NOUN
ejif-1975	199	11	of	of	ADP
ejif-1975	199	12	our	our	PRON
ejif-1975	199	13	study	study	NOUN
ejif-1975	199	14	suggest	suggest	VERB
ejif-1975	199	15	that	that	SCONJ
ejif-1975	199	16	insurance	insurance	NOUN
ejif-1975	199	17	sector	sector	NOUN
ejif-1975	199	18	is	be	AUX
ejif-1975	199	19	far	far	ADV
ejif-1975	199	20	much	much	ADV
ejif-1975	199	21	superior	superior	ADJ
ejif-1975	199	22	when	when	SCONJ
ejif-1975	199	23	it	it	PRON
ejif-1975	199	24	comes	come	VERB
ejif-1975	199	25	to	to	ADP
ejif-1975	199	26	input	input	NOUN
ejif-1975	199	27	productivity	productivity	NOUN
ejif-1975	199	28	as	as	SCONJ
ejif-1975	199	29	the	the	DET
ejif-1975	199	30	results	result	NOUN
ejif-1975	199	31	of	of	ADP
ejif-1975	199	32	technical	technical	ADJ
ejif-1975	199	33	efficiency	efficiency	NOUN
ejif-1975	199	34	for	for	ADP
ejif-1975	199	35	them	they	PRON
ejif-1975	199	36	are	be	AUX
ejif-1975	199	37	higher	high	ADJ
ejif-1975	199	38	than	than	ADP
ejif-1975	199	39	that	that	PRON
ejif-1975	199	40	of	of	ADP
ejif-1975	199	41	banking	banking	NOUN
ejif-1975	199	42	sector	sector	NOUN
ejif-1975	199	43	.	.	PUNCT
ejif-1975	200	1	this	this	DET
ejif-1975	200	2	phenomenon	phenomenon	NOUN
ejif-1975	200	3	exists	exist	VERB
ejif-1975	200	4	in	in	ADP
ejif-1975	200	5	both	both	CCONJ
ejif-1975	200	6	islamic	islamic	ADJ
ejif-1975	200	7	and	and	CCONJ
ejif-1975	200	8	conventional	conventional	ADJ
ejif-1975	200	9	financial	financial	ADJ
ejif-1975	200	10	services	service	NOUN
ejif-1975	200	11	sectors	sector	NOUN
ejif-1975	200	12	.	.	PUNCT
ejif-1975	201	1	however	however	ADV
ejif-1975	201	2	,	,	PUNCT
ejif-1975	201	3	the	the	DET
ejif-1975	201	4	results	result	NOUN
ejif-1975	201	5	are	be	AUX
ejif-1975	201	6	other	other	ADJ
ejif-1975	201	7	way	way	NOUN
ejif-1975	201	8	round	round	ADV
ejif-1975	201	9	when	when	SCONJ
ejif-1975	201	10	it	it	PRON
ejif-1975	201	11	comes	come	VERB
ejif-1975	201	12	to	to	ADP
ejif-1975	201	13	input	input	NOUN
ejif-1975	201	14	price	price	NOUN
ejif-1975	201	15	efficiency	efficiency	NOUN
ejif-1975	201	16	i.e.	i.e.	ADV
ejif-1975	201	17	,	,	PUNCT
ejif-1975	201	18	the	the	DET
ejif-1975	201	19	allocative	allocative	ADJ
ejif-1975	201	20	efficiency	efficiency	NOUN
ejif-1975	201	21	as	as	ADP
ejif-1975	201	22	the	the	DET
ejif-1975	201	23	allocative	allocative	ADJ
ejif-1975	201	24	efficiency	efficiency	NOUN
ejif-1975	201	25	of	of	ADP
ejif-1975	201	26	banking	banking	NOUN
ejif-1975	201	27	sector	sector	NOUN
ejif-1975	201	28	is	be	AUX
ejif-1975	201	29	better	well	ADJ
ejif-1975	201	30	as	as	SCONJ
ejif-1975	201	31	compared	compare	VERB
ejif-1975	201	32	with	with	ADP
ejif-1975	201	33	insurance	insurance	NOUN
ejif-1975	201	34	sector	sector	NOUN
ejif-1975	201	35	.	.	PUNCT
ejif-1975	202	1	the	the	DET
ejif-1975	202	2	cost	cost	NOUN
ejif-1975	202	3	efficiency	efficiency	NOUN
ejif-1975	202	4	of	of	ADP
ejif-1975	202	5	insurance	insurance	NOUN
ejif-1975	202	6	sector	sector	NOUN
ejif-1975	202	7	again	again	ADV
ejif-1975	202	8	is	be	AUX
ejif-1975	202	9	better	well	ADJ
ejif-1975	202	10	than	than	ADP
ejif-1975	202	11	that	that	PRON
ejif-1975	202	12	of	of	ADP
ejif-1975	202	13	banking	banking	NOUN
ejif-1975	202	14	sector	sector	NOUN
ejif-1975	202	15	.	.	PUNCT
ejif-1975	203	1	the	the	DET
ejif-1975	203	2	results	result	NOUN
ejif-1975	203	3	obtained	obtain	VERB
ejif-1975	203	4	from	from	ADP
ejif-1975	203	5	this	this	DET
ejif-1975	203	6	study	study	NOUN
ejif-1975	203	7	sufficiently	sufficiently	ADV
ejif-1975	203	8	support	support	VERB
ejif-1975	203	9	results	result	NOUN
ejif-1975	203	10	from	from	ADP
ejif-1975	203	11	previous	previous	ADJ
ejif-1975	203	12	studies	study	NOUN
ejif-1975	203	13	that	that	PRON
ejif-1975	203	14	were	be	AUX
ejif-1975	203	15	undertaken	undertake	VERB
ejif-1975	203	16	independently	independently	ADV
ejif-1975	203	17	for	for	ADP
ejif-1975	203	18	measuring	measure	VERB
ejif-1975	203	19	input	input	NOUN
ejif-1975	203	20	efficiency	efficiency	NOUN
ejif-1975	203	21	of	of	ADP
ejif-1975	203	22	islamic	islamic	ADJ
ejif-1975	203	23	and	and	CCONJ
ejif-1975	203	24	conventional	conventional	ADJ
ejif-1975	203	25	financial	financial	ADJ
ejif-1975	203	26	insurance	insurance	NOUN
ejif-1975	203	27	and	and	CCONJ
ejif-1975	203	28	banking	banking	NOUN
ejif-1975	203	29	organizations	organization	NOUN
ejif-1975	203	30	that	that	PRON
ejif-1975	203	31	islamic	islamic	PROPN
ejif-1975	203	32	segment	segment	PROPN
ejif-1975	203	33	financial	financial	PROPN
ejif-1975	203	34	services	service	NOUN
ejif-1975	203	35	organizations	organization	NOUN
ejif-1975	203	36	perform	perform	VERB
ejif-1975	203	37	better	well	ADV
ejif-1975	203	38	in	in	ADP
ejif-1975	203	39	terms	term	NOUN
ejif-1975	203	40	of	of	ADP
ejif-1975	203	41	allocative	allocative	ADJ
ejif-1975	203	42	efficiency	efficiency	NOUN
ejif-1975	203	43	,	,	PUNCT
ejif-1975	203	44	for	for	ADP
ejif-1975	203	45	instance	instance	NOUN
ejif-1975	204	1	[	[	X
ejif-1975	204	2	15,20	15,20	NUM
ejif-1975	204	3	]	]	PUNCT
ejif-1975	204	4	.	.	PUNCT
ejif-1975	205	1	furthermore	furthermore	ADV
ejif-1975	205	2	,	,	PUNCT
ejif-1975	205	3	in	in	ADP
ejif-1975	205	4	terms	term	NOUN
ejif-1975	205	5	of	of	ADP
ejif-1975	205	6	scale	scale	NOUN
ejif-1975	205	7	efficiency	efficiency	NOUN
ejif-1975	205	8	although	although	SCONJ
ejif-1975	205	9	both	both	CCONJ
ejif-1975	205	10	the	the	DET
ejif-1975	205	11	sectors	sector	NOUN
ejif-1975	205	12	individually	individually	ADV
ejif-1975	205	13	and	and	CCONJ
ejif-1975	205	14	as	as	ADP
ejif-1975	205	15	a	a	DET
ejif-1975	205	16	whole	whole	NOUN
ejif-1975	205	17	as	as	ADV
ejif-1975	205	18	well	well	ADV
ejif-1975	205	19	are	be	AUX
ejif-1975	205	20	operating	operate	VERB
ejif-1975	205	21	at	at	ADP
ejif-1975	205	22	increasing	increase	VERB
ejif-1975	205	23	returns	return	NOUN
ejif-1975	205	24	to	to	PART
ejif-1975	205	25	scale	scale	VERB
ejif-1975	205	26	yet	yet	CCONJ
ejif-1975	205	27	the	the	DET
ejif-1975	205	28	results	result	NOUN
ejif-1975	205	29	of	of	ADP
ejif-1975	205	30	banking	banking	NOUN
ejif-1975	205	31	sector	sector	NOUN
ejif-1975	205	32	are	be	AUX
ejif-1975	205	33	superior	superior	ADJ
ejif-1975	205	34	than	than	ADP
ejif-1975	205	35	that	that	PRON
ejif-1975	205	36	of	of	ADP
ejif-1975	205	37	banking	banking	NOUN
ejif-1975	205	38	sector	sector	NOUN
ejif-1975	205	39	.	.	PUNCT
ejif-1975	206	1	in	in	ADP
ejif-1975	206	2	terms	term	NOUN
ejif-1975	206	3	of	of	ADP
ejif-1975	206	4	overall	overall	ADJ
ejif-1975	206	5	results	result	NOUN
ejif-1975	206	6	both	both	CCONJ
ejif-1975	206	7	the	the	DET
ejif-1975	206	8	sectors	sector	NOUN
ejif-1975	206	9	are	be	AUX
ejif-1975	206	10	conventional	conventional	ADJ
ejif-1975	206	11	financial	financial	ADJ
ejif-1975	206	12	services	service	NOUN
ejif-1975	206	13	is	be	AUX
ejif-1975	206	14	heavily	heavily	ADV
ejif-1975	206	15	underperforming	underperforming	ADJ
ejif-1975	206	16	in	in	ADP
ejif-1975	206	17	terms	term	NOUN
ejif-1975	206	18	of	of	ADP
ejif-1975	206	19	their	their	PRON
ejif-1975	206	20	allocative	allocative	ADJ
ejif-1975	206	21	efficiency	efficiency	NOUN
ejif-1975	206	22	.	.	PUNCT
ejif-1975	207	1	a.	a.	NOUN
ejif-1975	207	2	limitations	limitation	NOUN
ejif-1975	207	3	this	this	DET
ejif-1975	207	4	study	study	NOUN
ejif-1975	207	5	has	have	VERB
ejif-1975	207	6	several	several	ADJ
ejif-1975	207	7	limitations	limitation	NOUN
ejif-1975	207	8	that	that	PRON
ejif-1975	207	9	require	require	VERB
ejif-1975	207	10	more	more	ADJ
ejif-1975	207	11	research	research	NOUN
ejif-1975	207	12	.	.	PUNCT
ejif-1975	208	1	for	for	ADP
ejif-1975	208	2	instance	instance	NOUN
ejif-1975	208	3	,	,	PUNCT
ejif-1975	208	4	we	we	PRON
ejif-1975	208	5	have	have	AUX
ejif-1975	208	6	calculated	calculate	VERB
ejif-1975	208	7	only	only	ADJ
ejif-1975	208	8	input	input	NOUN
ejif-1975	208	9	efficiencies	efficiency	NOUN
ejif-1975	208	10	of	of	ADP
ejif-1975	208	11	financial	financial	ADJ
ejif-1975	208	12	services	service	NOUN
ejif-1975	208	13	sector	sector	NOUN
ejif-1975	208	14	whereas	whereas	SCONJ
ejif-1975	208	15	in	in	ADP
ejif-1975	208	16	order	order	NOUN
ejif-1975	208	17	to	to	PART
ejif-1975	208	18	complete	complete	VERB
ejif-1975	208	19	the	the	DET
ejif-1975	208	20	picture	picture	NOUN
ejif-1975	208	21	for	for	ADP
ejif-1975	208	22	overall	overall	ADJ
ejif-1975	208	23	efficiency	efficiency	NOUN
ejif-1975	208	24	we	we	PRON
ejif-1975	208	25	need	need	VERB
ejif-1975	208	26	to	to	PART
ejif-1975	208	27	calculate	calculate	VERB
ejif-1975	208	28	output	output	NOUN
ejif-1975	208	29	efficiencies	efficiency	NOUN
ejif-1975	208	30	as	as	ADV
ejif-1975	208	31	well	well	ADV
ejif-1975	208	32	.	.	PUNCT
ejif-1975	209	1	furthermore	furthermore	ADV
ejif-1975	209	2	,	,	PUNCT
ejif-1975	209	3	choice	choice	NOUN
ejif-1975	209	4	of	of	ADP
ejif-1975	209	5	inputs	input	NOUN
ejif-1975	209	6	for	for	ADP
ejif-1975	209	7	the	the	DET
ejif-1975	209	8	study	study	NOUN
ejif-1975	209	9	is	be	AUX
ejif-1975	209	10	another	another	DET
ejif-1975	209	11	limitation	limitation	NOUN
ejif-1975	209	12	because	because	SCONJ
ejif-1975	209	13	changing	change	VERB
ejif-1975	209	14	various	various	ADJ
ejif-1975	209	15	inputs	input	NOUN
ejif-1975	209	16	can	can	AUX
ejif-1975	209	17	make	make	VERB
ejif-1975	209	18	us	we	PRON
ejif-1975	209	19	calculate	calculate	VERB
ejif-1975	209	20	which	which	DET
ejif-1975	209	21	inputs	input	NOUN
ejif-1975	209	22	actually	actually	ADV
ejif-1975	209	23	affect	affect	VERB
ejif-1975	209	24	efficiency	efficiency	NOUN
ejif-1975	209	25	more	more	ADJ
ejif-1975	209	26	than	than	ADP
ejif-1975	209	27	the	the	DET
ejif-1975	209	28	others	other	NOUN
ejif-1975	209	29	.	.	PUNCT
ejif-1975	210	1	the	the	DET
ejif-1975	210	2	size	size	NOUN
ejif-1975	210	3	of	of	ADP
ejif-1975	210	4	the	the	DET
ejif-1975	210	5	sample	sample	NOUN
ejif-1975	210	6	for	for	ADP
ejif-1975	210	7	our	our	PRON
ejif-1975	210	8	research	research	NOUN
ejif-1975	210	9	is	be	AUX
ejif-1975	210	10	another	another	DET
ejif-1975	210	11	limitation	limitation	NOUN
ejif-1975	210	12	as	as	SCONJ
ejif-1975	210	13	we	we	PRON
ejif-1975	210	14	can	can	AUX
ejif-1975	210	15	get	get	VERB
ejif-1975	210	16	more	more	ADV
ejif-1975	210	17	generalized	generalized	ADJ
ejif-1975	210	18	results	result	NOUN
ejif-1975	210	19	if	if	SCONJ
ejif-1975	210	20	we	we	PRON
ejif-1975	210	21	gather	gather	VERB
ejif-1975	210	22	data	datum	NOUN
ejif-1975	210	23	across	across	ADP
ejif-1975	210	24	countries	country	NOUN
ejif-1975	210	25	and	and	CCONJ
ejif-1975	210	26	longer	long	ADJ
ejif-1975	210	27	period	period	NOUN
ejif-1975	210	28	of	of	ADP
ejif-1975	210	29	time	time	NOUN
ejif-1975	210	30	.	.	PUNCT
ejif-1975	211	1	b.	b.	PROPN
ejif-1975	211	2	policy	policy	NOUN
ejif-1975	211	3	implications	implication	NOUN
ejif-1975	211	4	our	our	PRON
ejif-1975	211	5	study	study	NOUN
ejif-1975	211	6	has	have	VERB
ejif-1975	211	7	more	more	ADJ
ejif-1975	211	8	macroeconomic	macroeconomic	ADJ
ejif-1975	211	9	implications	implication	NOUN
ejif-1975	211	10	because	because	SCONJ
ejif-1975	211	11	as	as	SCONJ
ejif-1975	211	12	the	the	DET
ejif-1975	211	13	regulators	regulator	NOUN
ejif-1975	211	14	in	in	ADP
ejif-1975	211	15	almost	almost	ADV
ejif-1975	211	16	all	all	PRON
ejif-1975	211	17	of	of	ADP
ejif-1975	211	18	the	the	DET
ejif-1975	211	19	islamic	islamic	ADJ
ejif-1975	211	20	countries	country	NOUN
ejif-1975	211	21	are	be	AUX
ejif-1975	211	22	pursuing	pursue	VERB
ejif-1975	211	23	islamic	islamic	ADJ
ejif-1975	211	24	finance	finance	NOUN
ejif-1975	211	25	.	.	PUNCT
ejif-1975	212	1	our	our	PRON
ejif-1975	212	2	studies	study	NOUN
ejif-1975	212	3	suggest	suggest	VERB
ejif-1975	212	4	that	that	SCONJ
ejif-1975	212	5	pursuing	pursue	VERB
ejif-1975	212	6	islamic	islamic	ADJ
ejif-1975	212	7	finance	finance	NOUN
ejif-1975	212	8	should	should	AUX
ejif-1975	212	9	not	not	PART
ejif-1975	212	10	be	be	AUX
ejif-1975	212	11	at	at	ADP
ejif-1975	212	12	the	the	DET
ejif-1975	212	13	cost	cost	NOUN
ejif-1975	212	14	of	of	ADP
ejif-1975	212	15	penalizing	penalize	VERB
ejif-1975	212	16	the	the	DET
ejif-1975	212	17	customers	customer	NOUN
ejif-1975	212	18	of	of	ADP
ejif-1975	212	19	conventional	conventional	ADJ
ejif-1975	212	20	financial	financial	ADJ
ejif-1975	212	21	services	service	NOUN
ejif-1975	212	22	because	because	SCONJ
ejif-1975	212	23	higher	high	ADJ
ejif-1975	212	24	allocative	allocative	ADJ
ejif-1975	212	25	efficiency	efficiency	NOUN
ejif-1975	212	26	means	mean	VERB
ejif-1975	212	27	higher	high	ADJ
ejif-1975	212	28	input	input	NOUN
ejif-1975	212	29	costs	cost	NOUN
ejif-1975	212	30	and	and	CCONJ
ejif-1975	212	31	lower	low	ADJ
ejif-1975	212	32	profitability	profitability	NOUN
ejif-1975	212	33	which	which	PRON
ejif-1975	212	34	might	might	AUX
ejif-1975	212	35	ultimately	ultimately	ADV
ejif-1975	212	36	affect	affect	VERB
ejif-1975	212	37	the	the	DET
ejif-1975	212	38	ability	ability	NOUN
ejif-1975	212	39	of	of	ADP
ejif-1975	212	40	the	the	DET
ejif-1975	212	41	conventional	conventional	ADJ
ejif-1975	212	42	financial	financial	ADJ
ejif-1975	212	43	services	service	NOUN
ejif-1975	212	44	firms	firm	NOUN
ejif-1975	212	45	in	in	ADP
ejif-1975	212	46	terms	term	NOUN
ejif-1975	212	47	of	of	ADP
ejif-1975	212	48	return	return	NOUN
ejif-1975	212	49	to	to	ADP
ejif-1975	212	50	their	their	PRON
ejif-1975	212	51	shareholders	shareholder	NOUN
ejif-1975	212	52	.	.	PUNCT
ejif-1975	213	1	also	also	ADV
ejif-1975	213	2	this	this	DET
ejif-1975	213	3	study	study	NOUN
ejif-1975	213	4	has	have	AUX
ejif-1975	213	5	shown	show	VERB
ejif-1975	213	6	very	very	ADV
ejif-1975	213	7	healthy	healthy	ADJ
ejif-1975	213	8	results	result	NOUN
ejif-1975	213	9	for	for	ADP
ejif-1975	213	10	takaful	takaful	ADJ
ejif-1975	213	11	firms	firm	NOUN
ejif-1975	213	12	as	as	SCONJ
ejif-1975	213	13	they	they	PRON
ejif-1975	213	14	depict	depict	VERB
ejif-1975	213	15	the	the	DET
ejif-1975	213	16	highest	high	ADJ
ejif-1975	213	17	technical	technical	ADJ
ejif-1975	213	18	and	and	CCONJ
ejif-1975	213	19	second	second	ADJ
ejif-1975	213	20	highest	high	ADJ
ejif-1975	213	21	allocative	allocative	ADJ
ejif-1975	213	22	efficiency	efficiency	NOUN
ejif-1975	213	23	which	which	PRON
ejif-1975	213	24	means	mean	VERB
ejif-1975	213	25	that	that	SCONJ
ejif-1975	213	26	islamisation	islamisation	NOUN
ejif-1975	213	27	of	of	ADP
ejif-1975	213	28	financial	financial	ADJ
ejif-1975	213	29	institutions	institution	NOUN
ejif-1975	213	30	needs	need	VERB
ejif-1975	213	31	to	to	PART
ejif-1975	213	32	be	be	AUX
ejif-1975	213	33	geared	gear	VERB
ejif-1975	213	34	up	up	ADP
ejif-1975	213	35	to	to	PART
ejif-1975	213	36	reap	reap	VERB
ejif-1975	213	37	benefits	benefit	NOUN
ejif-1975	213	38	of	of	ADP
ejif-1975	213	39	input	input	NOUN
ejif-1975	213	40	efficiencies	efficiency	NOUN
ejif-1975	213	41	.	.	PUNCT
ejif-1975	214	1	our	our	PRON
ejif-1975	214	2	study	study	NOUN
ejif-1975	214	3	has	have	VERB
ejif-1975	214	4	implications	implication	NOUN
ejif-1975	214	5	for	for	ADP
ejif-1975	214	6	improving	improve	VERB
ejif-1975	214	7	performance	performance	NOUN
ejif-1975	214	8	during	during	ADP
ejif-1975	214	9	the	the	DET
ejif-1975	214	10	era	era	NOUN
ejif-1975	214	11	of	of	ADP
ejif-1975	214	12	financial	financial	ADJ
ejif-1975	214	13	crisis	crisis	NOUN
ejif-1975	214	14	as	as	ADV
ejif-1975	214	15	well	well	ADV
ejif-1975	214	16	because	because	SCONJ
ejif-1975	214	17	in	in	ADP
ejif-1975	214	18	case	case	NOUN
ejif-1975	214	19	of	of	ADP
ejif-1975	214	20	lower	low	ADJ
ejif-1975	214	21	revenues	revenue	NOUN
ejif-1975	214	22	,	,	PUNCT
ejif-1975	214	23	efficiency	efficiency	NOUN
ejif-1975	214	24	in	in	ADP
ejif-1975	214	25	input	input	NOUN
ejif-1975	214	26	resources	resource	NOUN
ejif-1975	214	27	utilization	utilization	NOUN
ejif-1975	214	28	takes	take	VERB
ejif-1975	214	29	priority	priority	NOUN
ejif-1975	214	30	and	and	CCONJ
ejif-1975	214	31	islamisation	islamisation	NOUN
ejif-1975	214	32	helps	helps	AUX
ejif-1975	214	33	achieve	achieve	VERB
ejif-1975	214	34	it	it	PRON
ejif-1975	214	35	.	.	PUNCT
ejif-1975	215	1	references	reference	NOUN
ejif-1975	215	2	:	:	PUNCT
ejif-1975	216	1	[	[	X
ejif-1975	216	2	1	1	NUM
ejif-1975	216	3	]	]	PUNCT
ejif-1975	216	4	.	.	PUNCT
ejif-1975	217	1	abu	abu	PROPN
ejif-1975	217	2	-	-	PUNCT
ejif-1975	217	3	alkheil	alkheil	PROPN
ejif-1975	217	4	,	,	PUNCT
ejif-1975	217	5	a.	a.	NOUN
ejif-1975	217	6	m.	m.	NOUN
ejif-1975	217	7	,	,	PUNCT
ejif-1975	217	8	burghof	burghof	PROPN
ejif-1975	217	9	,	,	PUNCT
ejif-1975	217	10	h.	h.	PROPN
ejif-1975	217	11	p.	p.	PROPN
ejif-1975	217	12	,	,	PUNCT
ejif-1975	217	13	&	&	CCONJ
ejif-1975	217	14	khan	khan	PROPN
ejif-1975	217	15	,	,	PUNCT
ejif-1975	217	16	w.	w.	PROPN
ejif-1975	217	17	a.	a.	PROPN
ejif-1975	217	18	,	,	PUNCT
ejif-1975	217	19	comparison	comparison	NOUN
ejif-1975	217	20	of	of	ADP
ejif-1975	217	21	efficiency	efficiency	NOUN
ejif-1975	217	22	and	and	CCONJ
ejif-1975	217	23	productivity	productivity	NOUN
ejif-1975	217	24	changes	change	NOUN
ejif-1975	217	25	of	of	ADP
ejif-1975	217	26	islamic	islamic	ADJ
ejif-1975	217	27	and	and	CCONJ
ejif-1975	217	28	conventional	conventional	ADJ
ejif-1975	217	29	banks	bank	NOUN
ejif-1975	217	30	:	:	PUNCT
ejif-1975	217	31	evidence	evidence	NOUN
ejif-1975	217	32	from	from	ADP
ejif-1975	217	33	europe	europe	PROPN
ejif-1975	217	34	and	and	CCONJ
ejif-1975	217	35	muslim	muslim	ADJ
ejif-1975	217	36	-	-	PUNCT
ejif-1975	217	37	majority	majority	NOUN
ejif-1975	217	38	countries	country	NOUN
ejif-1975	217	39	?	?	PUNCT
ejif-1975	218	1	journal	journal	NOUN
ejif-1975	218	2	of	of	ADP
ejif-1975	218	3	applied	apply	VERB
ejif-1975	218	4	business	business	NOUN
ejif-1975	218	5	research	research	NOUN
ejif-1975	218	6	(	(	PUNCT
ejif-1975	218	7	jabr	jabr	ADJ
ejif-1975	218	8	)	)	PUNCT
ejif-1975	218	9	,	,	PUNCT
ejif-1975	218	10	2012	2012	NUM
ejif-1975	218	11	.	.	PUNCT
ejif-1975	219	1	28(6	28(6	NUM
ejif-1975	219	2	):	):	PUNCT
ejif-1975	220	1	p.	p.	NOUN
ejif-1975	220	2	1385	1385	NUM
ejif-1975	220	3	-	-	SYM
ejif-1975	220	4	1412	1412	NUM
ejif-1975	220	5	.	.	PUNCT
ejif-1975	221	1	[	[	X
ejif-1975	221	2	2	2	NUM
ejif-1975	221	3	]	]	PUNCT
ejif-1975	221	4	.	.	PUNCT
ejif-1975	222	1	akhtar	akhtar	PROPN
ejif-1975	222	2	,	,	PUNCT
ejif-1975	222	3	m.h	m.h	PROPN
ejif-1975	222	4	.	.	PROPN
ejif-1975	222	5	,	,	PUNCT
ejif-1975	222	6	x	x	X
ejif-1975	222	7	-	-	NOUN
ejif-1975	222	8	efficiency	efficiency	NOUN
ejif-1975	222	9	analysis	analysis	NOUN
ejif-1975	222	10	of	of	ADP
ejif-1975	222	11	pakistani	pakistani	ADJ
ejif-1975	222	12	commercial	commercial	ADJ
ejif-1975	222	13	banks	bank	NOUN
ejif-1975	222	14	.	.	PUNCT
ejif-1975	223	1	international	international	ADJ
ejif-1975	223	2	management	management	PROPN
ejif-1975	223	3	review	review	NOUN
ejif-1975	223	4	,	,	PUNCT
ejif-1975	223	5	2010	2010	NUM
ejif-1975	223	6	.	.	PUNCT
ejif-1975	224	1	6(1	6(1	NUM
ejif-1975	224	2	):	):	PUNCT
ejif-1975	225	1	p.	p.	NOUN
ejif-1975	225	2	12	12	NUM
ejif-1975	225	3	-	-	SYM
ejif-1975	225	4	23	23	NUM
ejif-1975	225	5	.	.	PUNCT
ejif-1975	226	1	[	[	X
ejif-1975	226	2	3	3	NUM
ejif-1975	226	3	]	]	PUNCT
ejif-1975	226	4	.	.	PUNCT
ejif-1975	227	1	asghar	asghar	PROPN
ejif-1975	227	2	,	,	PUNCT
ejif-1975	227	3	a.	a.	PROPN
ejif-1975	227	4	,	,	PUNCT
ejif-1975	227	5	e	e	PROPN
ejif-1975	227	6	kausar	kausar	PROPN
ejif-1975	227	7	,	,	PUNCT
ejif-1975	227	8	m.	m.	NOUN
ejif-1975	227	9	j.	j.	PROPN
ejif-1975	227	10	,	,	PUNCT
ejif-1975	227	11	&	&	CCONJ
ejif-1975	227	12	afza	afza	PROPN
ejif-1975	227	13	,	,	PUNCT
ejif-1975	227	14	t.	t.	NOUN
ejif-1975	227	15	,	,	PUNCT
ejif-1975	227	16	efficiency	efficiency	NOUN
ejif-1975	227	17	of	of	ADP
ejif-1975	227	18	the	the	DET
ejif-1975	227	19	insurance	insurance	NOUN
ejif-1975	227	20	industry	industry	NOUN
ejif-1975	227	21	in	in	ADP
ejif-1975	227	22	pakistan	pakistan	PROPN
ejif-1975	227	23	:	:	PUNCT
ejif-1975	227	24	an	an	DET
ejif-1975	227	25	application	application	NOUN
ejif-1975	227	26	of	of	ADP
ejif-1975	227	27	non	non	ADJ
ejif-1975	227	28	-	-	ADJ
ejif-1975	227	29	parametric	parametric	ADJ
ejif-1975	227	30	approach	approach	NOUN
ejif-1975	227	31	.	.	PUNCT
ejif-1975	228	1	interdisciplinary	interdisciplinary	ADJ
ejif-1975	228	2	journal	journal	NOUN
ejif-1975	228	3	of	of	ADP
ejif-1975	228	4	contemporary	contemporary	ADJ
ejif-1975	228	5	research	research	NOUN
ejif-1975	228	6	in	in	ADP
ejif-1975	228	7	business	business	NOUN
ejif-1975	228	8	,	,	PUNCT
ejif-1975	228	9	2010	2010	NUM
ejif-1975	228	10	.	.	PUNCT
ejif-1975	229	1	2(8	2(8	NUM
ejif-1975	229	2	):	):	PUNCT
ejif-1975	229	3	p.	p.	NOUN
ejif-1975	229	4	345	345	NUM
ejif-1975	229	5	-	-	SYM
ejif-1975	229	6	371	371	NUM
ejif-1975	229	7	.	.	PUNCT
ejif-1975	230	1	[	[	X
ejif-1975	230	2	4	4	NUM
ejif-1975	230	3	]	]	PUNCT
ejif-1975	230	4	.	.	PUNCT
ejif-1975	230	5	beck	beck	PROPN
ejif-1975	230	6	,	,	PUNCT
ejif-1975	230	7	t.	t.	PROPN
ejif-1975	230	8	,	,	PUNCT
ejif-1975	230	9	demirgüç	demirgüç	PROPN
ejif-1975	230	10	-	-	PUNCT
ejif-1975	230	11	kunt	kunt	PROPN
ejif-1975	230	12	,	,	PUNCT
ejif-1975	230	13	a.	a.	PROPN
ejif-1975	230	14	,	,	PUNCT
ejif-1975	230	15	&	&	CCONJ
ejif-1975	230	16	merrouche	merrouche	PROPN
ejif-1975	230	17	,	,	PUNCT
ejif-1975	230	18	o.	o.	PROPN
ejif-1975	230	19	,	,	PUNCT
ejif-1975	230	20	islamic	islamic	NOUN
ejif-1975	230	21	vs.	vs.	ADP
ejif-1975	230	22	conventional	conventional	ADJ
ejif-1975	230	23	banking	banking	NOUN
ejif-1975	230	24	:	:	PUNCT
ejif-1975	230	25	business	business	NOUN
ejif-1975	230	26	model	model	NOUN
ejif-1975	230	27	,	,	PUNCT
ejif-1975	230	28	efficiency	efficiency	NOUN
ejif-1975	230	29	and	and	CCONJ
ejif-1975	230	30	stability	stability	NOUN
ejif-1975	230	31	.	.	PUNCT
ejif-1975	231	1	journal	journal	NOUN
ejif-1975	231	2	of	of	ADP
ejif-1975	231	3	banking	banking	NOUN
ejif-1975	231	4	&	&	CCONJ
ejif-1975	231	5	finance	finance	PROPN
ejif-1975	231	6	,	,	PUNCT
ejif-1975	231	7	2013	2013	NUM
ejif-1975	231	8	.	.	PUNCT
ejif-1975	232	1	37(2):p	37(2):p	NUM
ejif-1975	232	2	.	.	X
ejif-1975	232	3	433	433	NUM
ejif-1975	232	4	-	-	SYM
ejif-1975	232	5	447	447	NUM
ejif-1975	232	6	.	.	PUNCT
ejif-1975	233	1	[	[	X
ejif-1975	233	2	5	5	NUM
ejif-1975	233	3	]	]	PUNCT
ejif-1975	233	4	.	.	PUNCT
ejif-1975	234	1	bhagavath	bhagavath	PROPN
ejif-1975	234	2	,	,	PUNCT
ejif-1975	234	3	v.	v.	ADV
ejif-1975	234	4	,	,	PUNCT
ejif-1975	234	5	technical	technical	ADJ
ejif-1975	234	6	efficiency	efficiency	NOUN
ejif-1975	234	7	measurement	measurement	NOUN
ejif-1975	234	8	by	by	ADP
ejif-1975	234	9	data	datum	NOUN
ejif-1975	234	10	envelopment	envelopment	ADJ
ejif-1975	234	11	analysis	analysis	NOUN
ejif-1975	234	12	:	:	PUNCT
ejif-1975	234	13	an	an	DET
ejif-1975	234	14	application	application	NOUN
ejif-1975	234	15	in	in	ADP
ejif-1975	234	16	transportation	transportation	NOUN
ejif-1975	234	17	.	.	PUNCT
ejif-1975	235	1	alliance	alliance	NOUN
ejif-1975	235	2	journal	journal	PROPN
ejif-1975	235	3	of	of	ADP
ejif-1975	235	4	business	business	PROPN
ejif-1975	235	5	research	research	NOUN
ejif-1975	235	6	,	,	PUNCT
ejif-1975	235	7	2006	2006	NUM
ejif-1975	235	8	.	.	PUNCT
ejif-1975	236	1	2(3):p	2(3):p	X
ejif-1975	236	2	.	.	PUNCT
ejif-1975	237	1	60	60	NUM
ejif-1975	237	2	-	-	SYM
ejif-1975	237	3	72	72	NUM
ejif-1975	237	4	.	.	PUNCT
ejif-1975	238	1	[	[	X
ejif-1975	238	2	6	6	NUM
ejif-1975	238	3	]	]	PUNCT
ejif-1975	238	4	.	.	PUNCT
ejif-1975	239	1	bin	bin	NOUN
ejif-1975	239	2	-	-	PUNCT
ejif-1975	239	3	dost	dost	NOUN
ejif-1975	239	4	,	,	PUNCT
ejif-1975	239	5	m.	m.	NOUN
ejif-1975	239	6	k.	k.	PROPN
ejif-1975	239	7	,	,	PUNCT
ejif-1975	239	8	ahmad	ahmad	PROPN
ejif-1975	239	9	,	,	PUNCT
ejif-1975	239	10	h.	h.	PROPN
ejif-1975	239	11	z.	z.	PROPN
ejif-1975	239	12	&	&	CCONJ
ejif-1975	239	13	warraich	warraich	PROPN
ejif-1975	239	14	,	,	PUNCT
ejif-1975	239	15	k.	k.	PROPN
ejif-1975	239	16	,	,	PUNCT
ejif-1975	239	17	scale	scale	NOUN
ejif-1975	239	18	efficiency	efficiency	NOUN
ejif-1975	239	19	of	of	ADP
ejif-1975	239	20	islamic	islamic	ADJ
ejif-1975	239	21	banks	bank	NOUN
ejif-1975	239	22	of	of	ADP
ejif-1975	239	23	pakistan	pakistan	PROPN
ejif-1975	239	24	.	.	PUNCT
ejif-1975	240	1	arabian	arabian	ADJ
ejif-1975	240	2	journal	journal	PROPN
ejif-1975	240	3	of	of	ADP
ejif-1975	240	4	business	business	NOUN
ejif-1975	240	5	and	and	CCONJ
ejif-1975	240	6	management	management	NOUN
ejif-1975	240	7	review	review	NOUN
ejif-1975	240	8	,	,	PUNCT
ejif-1975	240	9	2011	2011	NUM
ejif-1975	240	10	.	.	PUNCT
ejif-1975	241	1	1(5):p	1(5):p	NUM
ejif-1975	241	2	.	.	PUNCT
ejif-1975	242	1	174	174	NUM
ejif-1975	242	2	-	-	SYM
ejif-1975	242	3	187	187	NUM
ejif-1975	242	4	.	.	PUNCT
ejif-1975	243	1	[	[	X
ejif-1975	243	2	7	7	NUM
ejif-1975	243	3	]	]	PUNCT
ejif-1975	243	4	.	.	PUNCT
ejif-1975	244	1	cengiz	cengiz	NOUN
ejif-1975	244	2	erol	erol	NOUN
ejif-1975	244	3	,	,	PUNCT
ejif-1975	244	4	hasan	hasan	PROPN
ejif-1975	244	5	f.	f.	PROPN
ejif-1975	244	6	baklaci	baklaci	PROPN
ejif-1975	244	7	,	,	PUNCT
ejif-1975	244	8	berna	berna	NOUN
ejif-1975	244	9	aydoğan	aydoğan	NOUN
ejif-1975	244	10	,	,	PUNCT
ejif-1975	244	11	gökçe	gökçe	PROPN
ejif-1975	244	12	tunç	tunç	PROPN
ejif-1975	244	13	,	,	PUNCT
ejif-1975	244	14	"	"	PUNCT
ejif-1975	244	15	performance	performance	NOUN
ejif-1975	244	16	comparison	comparison	NOUN
ejif-1975	244	17	of	of	ADP
ejif-1975	244	18	islamic	islamic	ADJ
ejif-1975	244	19	(	(	PUNCT
ejif-1975	244	20	participation	participation	NOUN
ejif-1975	244	21	)	)	PUNCT
ejif-1975	244	22	banks	bank	NOUN
ejif-1975	244	23	and	and	CCONJ
ejif-1975	244	24	commercial	commercial	ADJ
ejif-1975	244	25	banks	bank	NOUN
ejif-1975	244	26	in	in	ADP
ejif-1975	244	27	turkish	turkish	ADJ
ejif-1975	244	28	banking	banking	NOUN
ejif-1975	244	29	sector	sector	NOUN
ejif-1975	244	30	"	"	PUNCT
ejif-1975	244	31	,	,	PUNCT
ejif-1975	244	32	euromed	eurome	VERB
ejif-1975	244	33	journal	journal	NOUN
ejif-1975	244	34	of	of	ADP
ejif-1975	244	35	business	business	NOUN
ejif-1975	244	36	,	,	PUNCT
ejif-1975	244	37	2014	2014	NUM
ejif-1975	244	38	.	.	PUNCT
ejif-1975	245	1	9(2	9(2	NUM
ejif-1975	245	2	):	):	PUNCT
ejif-1975	245	3	p.114	p.114	NUM
ejif-1975	245	4	–	–	PUNCT
ejif-1975	245	5	128	128	NUM
ejif-1975	245	6	.	.	PUNCT
ejif-1975	246	1	[	[	X
ejif-1975	246	2	8	8	NUM
ejif-1975	246	3	]	]	PUNCT
ejif-1975	246	4	.	.	PUNCT
ejif-1975	246	5	cummins	cummins	PROPN
ejif-1975	246	6	,	,	PUNCT
ejif-1975	246	7	j.	j.	PROPN
ejif-1975	246	8	d.	d.	PROPN
ejif-1975	246	9	,	,	PUNCT
ejif-1975	246	10	rubio	rubio	NOUN
ejif-1975	246	11	-	-	PUNCT
ejif-1975	246	12	misas	misa	NOUN
ejif-1975	246	13	,	,	PUNCT
ejif-1975	246	14	m.	m.	NOUN
ejif-1975	246	15	,	,	PUNCT
ejif-1975	246	16	deregulation	deregulation	NOUN
ejif-1975	246	17	,	,	PUNCT
ejif-1975	246	18	consolidation	consolidation	NOUN
ejif-1975	246	19	,	,	PUNCT
ejif-1975	246	20	and	and	CCONJ
ejif-1975	246	21	efficiency	efficiency	NOUN
ejif-1975	246	22	:	:	PUNCT
ejif-1975	246	23	evidence	evidence	NOUN
ejif-1975	246	24	from	from	ADP
ejif-1975	246	25	the	the	DET
ejif-1975	246	26	spanish	spanish	ADJ
ejif-1975	246	27	insurance	insurance	NOUN
ejif-1975	246	28	industry	industry	NOUN
ejif-1975	246	29	.	.	PUNCT
ejif-1975	247	1	journal	journal	NOUN
ejif-1975	247	2	of	of	ADP
ejif-1975	247	3	money	money	NOUN
ejif-1975	247	4	,	,	PUNCT
ejif-1975	247	5	credit	credit	NOUN
ejif-1975	247	6	,	,	PUNCT
ejif-1975	247	7	and	and	CCONJ
ejif-1975	247	8	banking	banking	NOUN
ejif-1975	247	9	,	,	PUNCT
ejif-1975	247	10	2006	2006	NUM
ejif-1975	247	11	.	.	PUNCT
ejif-1975	248	1	38(2):p	38(2):p	NUM
ejif-1975	248	2	.	.	NOUN
ejif-1975	248	3	323	323	NUM
ejif-1975	248	4	-	-	SYM
ejif-1975	248	5	355	355	NUM
ejif-1975	248	6	.	.	PUNCT
ejif-1975	249	1	[	[	X
ejif-1975	249	2	9	9	NUM
ejif-1975	249	3	]	]	PUNCT
ejif-1975	249	4	.	.	PUNCT
ejif-1975	250	1	dabestani	dabestani	PROPN
ejif-1975	250	2	,	,	PUNCT
ejif-1975	250	3	r.	r.	PROPN
ejif-1975	250	4	,	,	PUNCT
ejif-1975	250	5	shahin	shahin	PROPN
ejif-1975	250	6	,	,	PUNCT
ejif-1975	250	7	a.	a.	NOUN
ejif-1975	250	8	,	,	PUNCT
ejif-1975	250	9	saljoughian	saljoughian	ADJ
ejif-1975	250	10	,	,	PUNCT
ejif-1975	250	11	m.	m.	NOUN
ejif-1975	250	12	,	,	PUNCT
ejif-1975	250	13	&	&	CCONJ
ejif-1975	250	14	shirouyehzad	shirouyehzad	PROPN
ejif-1975	250	15	,	,	PUNCT
ejif-1975	250	16	h.	h.	PROPN
ejif-1975	250	17	,	,	PUNCT
ejif-1975	250	18	importance	importance	NOUN
ejif-1975	250	19	-	-	PUNCT
ejif-1975	250	20	performance	performance	NOUN
ejif-1975	250	21	analysis	analysis	NOUN
ejif-1975	250	22	of	of	ADP
ejif-1975	250	23	service	service	NOUN
ejif-1975	250	24	quality	quality	NOUN
ejif-1975	250	25	dimensions	dimension	NOUN
ejif-1975	250	26	for	for	ADP
ejif-1975	250	27	the	the	DET
ejif-1975	250	28	customer	customer	NOUN
ejif-1975	250	29	groups	group	NOUN
ejif-1975	250	30	segmented	segment	VERB
ejif-1975	250	31	by	by	ADP
ejif-1975	250	32	dea	dea	PROPN
ejif-1975	250	33	:	:	PUNCT
ejif-1975	250	34	the	the	DET
ejif-1975	250	35	case	case	NOUN
ejif-1975	250	36	of	of	ADP
ejif-1975	250	37	four	four	NUM
ejif-1975	250	38	star	star	NOUN
ejif-1975	250	39	hotels	hotel	NOUN
ejif-1975	250	40	.	.	PUNCT
ejif-1975	251	1	international	international	ADJ
ejif-1975	251	2	journal	journal	PROPN
ejif-1975	251	3	of	of	ADP
ejif-1975	251	4	quality	quality	NOUN
ejif-1975	251	5	&	&	CCONJ
ejif-1975	251	6	reliability	reliability	NOUN
ejif-1975	251	7	management	management	NOUN
ejif-1975	251	8	,	,	PUNCT
ejif-1975	251	9	2016	2016	NUM
ejif-1975	251	10	.	.	PUNCT
ejif-1975	252	1	33(2):p	33(2):p	NUM
ejif-1975	252	2	.	.	PUNCT
ejif-1975	253	1	160	160	NUM
ejif-1975	253	2	-	-	SYM
ejif-1975	253	3	177	177	NUM
ejif-1975	253	4	.	.	PUNCT
ejif-1975	254	1	[	[	X
ejif-1975	254	2	10	10	NUM
ejif-1975	254	3	]	]	PUNCT
ejif-1975	254	4	.	.	PUNCT
ejif-1975	255	1	dong	dong	PROPN
ejif-1975	255	2	,	,	PUNCT
ejif-1975	255	3	y.	y.	PROPN
ejif-1975	255	4	,	,	PUNCT
ejif-1975	255	5	firth	firth	PROPN
ejif-1975	255	6	,	,	PUNCT
ejif-1975	255	7	m.	m.	NOUN
ejif-1975	255	8	,	,	PUNCT
ejif-1975	255	9	hou	hou	PROPN
ejif-1975	255	10	,	,	PUNCT
ejif-1975	255	11	w.	w.	PROPN
ejif-1975	255	12	,	,	PUNCT
ejif-1975	255	13	&	&	CCONJ
ejif-1975	255	14	yang	yang	PROPN
ejif-1975	255	15	,	,	PUNCT
ejif-1975	255	16	w.	w.	PROPN
ejif-1975	255	17	,	,	PUNCT
ejif-1975	255	18	evaluating	evaluate	VERB
ejif-1975	255	19	the	the	DET
ejif-1975	255	20	performance	performance	NOUN
ejif-1975	255	21	of	of	ADP
ejif-1975	255	22	chinese	chinese	ADJ
ejif-1975	255	23	commercial	commercial	ADJ
ejif-1975	255	24	banks	bank	NOUN
ejif-1975	255	25	:	:	PUNCT
ejif-1975	255	26	a	a	DET
ejif-1975	255	27	comparative	comparative	ADJ
ejif-1975	255	28	analysis	analysis	NOUN
ejif-1975	255	29	of	of	ADP
ejif-1975	255	30	different	different	ADJ
ejif-1975	255	31	types	type	NOUN
ejif-1975	255	32	of	of	ADP
ejif-1975	255	33	banks	bank	NOUN
ejif-1975	255	34	.	.	PUNCT
ejif-1975	256	1	european	european	ADJ
ejif-1975	256	2	journal	journal	PROPN
ejif-1975	256	3	of	of	ADP
ejif-1975	256	4	operational	operational	ADJ
ejif-1975	256	5	research	research	NOUN
ejif-1975	256	6	,	,	PUNCT
ejif-1975	256	7	2016	2016	NUM
ejif-1975	256	8	.	.	PUNCT
ejif-1975	257	1	252(1):p	252(1):p	NUM
ejif-1975	257	2	.	.	NOUN
ejif-1975	257	3	280	280	NUM
ejif-1975	257	4	-	-	SYM
ejif-1975	257	5	295	295	NUM
ejif-1975	257	6	.	.	PUNCT
ejif-1975	258	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	258	2	ejif	ejif	PROPN
ejif-1975	258	3	–	–	PUNCT
ejif-1975	258	4	european	european	PROPN
ejif-1975	258	5	journal	journal	PROPN
ejif-1975	258	6	of	of	ADP
ejif-1975	258	7	islamic	islamic	PROPN
ejif-1975	258	8	finance	finance	PROPN
ejif-1975	258	9	no	no	DET
ejif-1975	258	10	6	6	NUM
ejif-1975	258	11	,	,	PUNCT
ejif-1975	258	12	feb	feb	X
ejif-1975	258	13	(	(	PUNCT
ejif-1975	258	14	2017	2017	NUM
ejif-1975	258	15	)	)	PUNCT
ejif-1975	259	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	259	2	issn	issn	VERB
ejif-1975	259	3	2421	2421	NUM
ejif-1975	259	4	-	-	SYM
ejif-1975	259	5	2172	2172	NUM
ejif-1975	259	6	10	10	NUM
ejif-1975	260	1	[	[	X
ejif-1975	260	2	11	11	NUM
ejif-1975	260	3	]	]	PUNCT
ejif-1975	260	4	.	.	PUNCT
ejif-1975	261	1	ismail	ismail	PROPN
ejif-1975	261	2	,	,	PUNCT
ejif-1975	261	3	n.	n.	PROPN
ejif-1975	261	4	,	,	PUNCT
ejif-1975	261	5	alhabshi	alhabshi	PROPN
ejif-1975	261	6	,	,	PUNCT
ejif-1975	261	7	d.	d.	PROPN
ejif-1975	261	8	,	,	PUNCT
ejif-1975	261	9	and	and	CCONJ
ejif-1975	261	10	bacha	bacha	PROPN
ejif-1975	261	11	,	,	PUNCT
ejif-1975	261	12	o.	o.	NOUN
ejif-1975	261	13	,	,	PUNCT
ejif-1975	261	14	organizational	organizational	ADJ
ejif-1975	261	15	form	form	NOUN
ejif-1975	261	16	and	and	CCONJ
ejif-1975	261	17	efficiency	efficiency	NOUN
ejif-1975	261	18	:	:	PUNCT
ejif-1975	261	19	the	the	DET
ejif-1975	261	20	coexistence	coexistence	NOUN
ejif-1975	261	21	of	of	ADP
ejif-1975	261	22	family	family	NOUN
ejif-1975	261	23	takaful	takaful	ADJ
ejif-1975	261	24	and	and	CCONJ
ejif-1975	261	25	life	life	NOUN
ejif-1975	261	26	insurance	insurance	NOUN
ejif-1975	261	27	in	in	ADP
ejif-1975	261	28	malaysia	malaysia	PROPN
ejif-1975	261	29	.	.	PUNCT
ejif-1975	262	1	journal	journal	PROPN
ejif-1975	262	2	of	of	ADP
ejif-1975	262	3	global	global	ADJ
ejif-1975	262	4	business	business	NOUN
ejif-1975	262	5	and	and	CCONJ
ejif-1975	262	6	economics	economic	NOUN
ejif-1975	262	7	,	,	PUNCT
ejif-1975	262	8	2011	2011	NUM
ejif-1975	262	9	.	.	PUNCT
ejif-1975	263	1	3(4):p	3(4):p	NUM
ejif-1975	263	2	.	.	X
ejif-1975	264	1	122	122	NUM
ejif-1975	264	2	-	-	SYM
ejif-1975	264	3	137	137	NUM
ejif-1975	264	4	.	.	PUNCT
ejif-1975	265	1	[	[	X
ejif-1975	265	2	12	12	NUM
ejif-1975	265	3	]	]	PUNCT
ejif-1975	265	4	.	.	PUNCT
ejif-1975	266	1	jeng	jeng	PROPN
ejif-1975	266	2	,	,	PUNCT
ejif-1975	266	3	v.	v.	PROPN
ejif-1975	266	4	,	,	PUNCT
ejif-1975	266	5	lai	lai	PROPN
ejif-1975	266	6	,	,	PUNCT
ejif-1975	266	7	g.	g.	PROPN
ejif-1975	266	8	,	,	PUNCT
ejif-1975	266	9	and	and	CCONJ
ejif-1975	266	10	mcnamara	mcnamara	PROPN
ejif-1975	266	11	,	,	PUNCT
ejif-1975	266	12	m.	m.	NOUN
ejif-1975	266	13	,	,	PUNCT
ejif-1975	266	14	efficiency	efficiency	NOUN
ejif-1975	266	15	and	and	CCONJ
ejif-1975	266	16	demutualization	demutualization	NOUN
ejif-1975	266	17	:	:	PUNCT
ejif-1975	266	18	evidence	evidence	NOUN
ejif-1975	266	19	from	from	ADP
ejif-1975	266	20	the	the	DET
ejif-1975	266	21	u.s	u.s	PROPN
ejif-1975	266	22	.	.	PROPN
ejif-1975	266	23	life	life	NOUN
ejif-1975	266	24	insurance	insurance	NOUN
ejif-1975	266	25	industry	industry	NOUN
ejif-1975	266	26	in	in	ADP
ejif-1975	266	27	the	the	DET
ejif-1975	266	28	1980s	1980	NOUN
ejif-1975	266	29	and	and	CCONJ
ejif-1975	266	30	1990s	1990	NOUN
ejif-1975	266	31	.	.	PUNCT
ejif-1975	267	1	the	the	DET
ejif-1975	267	2	journal	journal	NOUN
ejif-1975	267	3	of	of	ADP
ejif-1975	267	4	risk	risk	NOUN
ejif-1975	267	5	and	and	CCONJ
ejif-1975	267	6	insurance	insurance	NOUN
ejif-1975	267	7	,	,	PUNCT
ejif-1975	267	8	2007	2007	NUM
ejif-1975	267	9	.	.	PUNCT
ejif-1975	268	1	74(2):p	74(2):p	NUM
ejif-1975	268	2	.	.	PUNCT
ejif-1975	269	1	683711	683711	NUM
ejif-1975	269	2	.	.	PUNCT
ejif-1975	270	1	[	[	X
ejif-1975	270	2	13	13	NUM
ejif-1975	270	3	]	]	PUNCT
ejif-1975	270	4	.	.	PUNCT
ejif-1975	271	1	kader	kader	PROPN
ejif-1975	271	2	,	,	PUNCT
ejif-1975	271	3	h.	h.	PROPN
ejif-1975	271	4	,	,	PUNCT
ejif-1975	271	5	adams	adams	PROPN
ejif-1975	271	6	,	,	PUNCT
ejif-1975	271	7	m.	m.	NOUN
ejif-1975	271	8	,	,	PUNCT
ejif-1975	271	9	and	and	CCONJ
ejif-1975	271	10	hardwick	hardwick	PROPN
ejif-1975	271	11	,	,	PUNCT
ejif-1975	271	12	p.	p.	PROPN
ejif-1975	271	13	,	,	PUNCT
ejif-1975	271	14	the	the	DET
ejif-1975	271	15	cost	cost	NOUN
ejif-1975	271	16	efficiency	efficiency	NOUN
ejif-1975	271	17	of	of	ADP
ejif-1975	271	18	takaful	takaful	ADJ
ejif-1975	271	19	insurance	insurance	NOUN
ejif-1975	271	20	companies	company	NOUN
ejif-1975	271	21	.	.	PUNCT
ejif-1975	272	1	the	the	DET
ejif-1975	272	2	geneva	geneva	PROPN
ejif-1975	272	3	papers	paper	NOUN
ejif-1975	272	4	on	on	ADP
ejif-1975	272	5	risk	risk	NOUN
ejif-1975	272	6	and	and	CCONJ
ejif-1975	272	7	insurance	insurance	NOUN
ejif-1975	272	8	—	—	PUNCT
ejif-1975	272	9	issues	issue	NOUN
ejif-1975	272	10	and	and	CCONJ
ejif-1975	272	11	practice	practice	NOUN
ejif-1975	272	12	,	,	PUNCT
ejif-1975	272	13	2010	2010	NUM
ejif-1975	272	14	.	.	PUNCT
ejif-1975	273	1	35(1	35(1	NUM
ejif-1975	273	2	):	):	PUNCT
ejif-1975	273	3	p.161–181	p.161–181	ADJ
ejif-1975	273	4	.	.	PUNCT
ejif-1975	274	1	[	[	X
ejif-1975	274	2	14	14	NUM
ejif-1975	274	3	]	]	SYM
ejif-1975	274	4	.	.	PUNCT
ejif-1975	274	5	kaffash	kaffash	NOUN
ejif-1975	274	6	,	,	PUNCT
ejif-1975	274	7	s.	s.	PROPN
ejif-1975	274	8	,	,	PUNCT
ejif-1975	274	9	&	&	CCONJ
ejif-1975	274	10	marra	marra	PROPN
ejif-1975	274	11	,	,	PUNCT
ejif-1975	274	12	m.	m.	NOUN
ejif-1975	274	13	,	,	PUNCT
ejif-1975	274	14	data	data	VERB
ejif-1975	274	15	envelopment	envelopment	ADJ
ejif-1975	274	16	analysis	analysis	NOUN
ejif-1975	274	17	in	in	ADP
ejif-1975	274	18	financial	financial	ADJ
ejif-1975	274	19	services	service	NOUN
ejif-1975	274	20	:	:	PUNCT
ejif-1975	274	21	a	a	DET
ejif-1975	274	22	citations	citation	NOUN
ejif-1975	274	23	network	network	NOUN
ejif-1975	274	24	analysis	analysis	NOUN
ejif-1975	274	25	of	of	ADP
ejif-1975	274	26	banks	bank	NOUN
ejif-1975	274	27	,	,	PUNCT
ejif-1975	274	28	insurance	insurance	NOUN
ejif-1975	274	29	companies	company	NOUN
ejif-1975	274	30	and	and	CCONJ
ejif-1975	274	31	money	money	NOUN
ejif-1975	274	32	market	market	NOUN
ejif-1975	274	33	funds	fund	NOUN
ejif-1975	274	34	.	.	PUNCT
ejif-1975	275	1	annals	annal	NOUN
ejif-1975	275	2	of	of	ADP
ejif-1975	275	3	operations	operation	NOUN
ejif-1975	275	4	research	research	NOUN
ejif-1975	275	5	,	,	PUNCT
ejif-1975	275	6	2016	2016	NUM
ejif-1975	275	7	,	,	PUNCT
ejif-1975	275	8	24(3	24(3	NUM
ejif-1975	275	9	):	):	PUNCT
ejif-1975	275	10	p.1	p.1	NOUN
ejif-1975	275	11	-	-	PUNCT
ejif-1975	275	12	38	38	NUM
ejif-1975	275	13	.	.	PUNCT
ejif-1975	276	1	[	[	X
ejif-1975	276	2	15	15	NUM
ejif-1975	276	3	]	]	PUNCT
ejif-1975	276	4	.	.	PUNCT
ejif-1975	277	1	khan	khan	PROPN
ejif-1975	277	2	,	,	PUNCT
ejif-1975	277	3	a.	a.	PROPN
ejif-1975	277	4	,	,	PUNCT
ejif-1975	277	5	&	&	CCONJ
ejif-1975	277	6	noreen	noreen	PROPN
ejif-1975	277	7	,	,	PUNCT
ejif-1975	277	8	u.	u.	NOUN
ejif-1975	277	9	,	,	PUNCT
ejif-1975	277	10	efficiency	efficiency	NOUN
ejif-1975	277	11	measure	measure	NOUN
ejif-1975	277	12	of	of	ADP
ejif-1975	277	13	insurance	insurance	NOUN
ejif-1975	277	14	v	v	ADP
ejif-1975	277	15	/	/	SYM
ejif-1975	277	16	s	s	VERB
ejif-1975	277	17	takaful	takaful	ADJ
ejif-1975	277	18	firms	firm	NOUN
ejif-1975	277	19	using	use	VERB
ejif-1975	277	20	dea	dea	PROPN
ejif-1975	277	21	approach	approach	NOUN
ejif-1975	277	22	:	:	PUNCT
ejif-1975	277	23	a	a	DET
ejif-1975	277	24	case	case	NOUN
ejif-1975	277	25	of	of	ADP
ejif-1975	277	26	pakistan	pakistan	PROPN
ejif-1975	277	27	.	.	PUNCT
ejif-1975	278	1	journal	journal	PROPN
ejif-1975	278	2	of	of	ADP
ejif-1975	278	3	islamic	islamic	ADJ
ejif-1975	278	4	economic	economic	ADJ
ejif-1975	278	5	studies	study	NOUN
ejif-1975	278	6	,	,	PUNCT
ejif-1975	278	7	2014	2014	NUM
ejif-1975	278	8	.	.	PUNCT
ejif-1975	279	1	22(2	22(2	NUM
ejif-1975	279	2	):	):	PUNCT
ejif-1975	279	3	p.139	p.139	NOUN
ejif-1975	279	4	-	-	PUNCT
ejif-1975	279	5	158	158	NUM
ejif-1975	279	6	.	.	PUNCT
ejif-1975	280	1	[	[	X
ejif-1975	280	2	16	16	NUM
ejif-1975	280	3	]	]	PUNCT
ejif-1975	280	4	.	.	PUNCT
ejif-1975	280	5	khyzer	khyzer	PROPN
ejif-1975	280	6	,	,	PUNCT
ejif-1975	280	7	b.	b.	PROPN
ejif-1975	280	8	,	,	PUNCT
ejif-1975	280	9	ahmed	ahmed	PROPN
ejif-1975	280	10	,	,	PUNCT
ejif-1975	280	11	z.	z.	PROPN
ejif-1975	280	12	,	,	PUNCT
ejif-1975	280	13	and	and	CCONJ
ejif-1975	280	14	warriach	warriach	ADV
ejif-1975	280	15	,	,	PUNCT
ejif-1975	280	16	k.	k.	PROPN
ejif-1975	280	17	,	,	PUNCT
ejif-1975	280	18	scale	scale	NOUN
ejif-1975	280	19	efficiency	efficiency	NOUN
ejif-1975	280	20	of	of	ADP
ejif-1975	280	21	islamic	islamic	ADJ
ejif-1975	280	22	banks	bank	NOUN
ejif-1975	280	23	of	of	ADP
ejif-1975	280	24	pakistan	pakistan	PROPN
ejif-1975	280	25	.	.	PUNCT
ejif-1975	281	1	arabian	arabian	ADJ
ejif-1975	281	2	journal	journal	PROPN
ejif-1975	281	3	of	of	ADP
ejif-1975	281	4	business	business	NOUN
ejif-1975	281	5	and	and	CCONJ
ejif-1975	281	6	management	management	NOUN
ejif-1975	281	7	review	review	NOUN
ejif-1975	281	8	,	,	PUNCT
ejif-1975	281	9	2011	2011	NUM
ejif-1975	281	10	.	.	PUNCT
ejif-1975	282	1	5(2	5(2	NUM
ejif-1975	282	2	):	):	PUNCT
ejif-1975	282	3	p.5	p.5	NOUN
ejif-1975	282	4	-	-	PUNCT
ejif-1975	282	5	25	25	NUM
ejif-1975	282	6	.	.	PUNCT
ejif-1975	283	1	[	[	X
ejif-1975	283	2	17	17	NUM
ejif-1975	283	3	]	]	PUNCT
ejif-1975	283	4	.	.	PUNCT
ejif-1975	284	1	nazir	nazir	PROPN
ejif-1975	284	2	,	,	PUNCT
ejif-1975	284	3	m.	m.	NOUN
ejif-1975	284	4	s.	s.	PROPN
ejif-1975	284	5	,	,	PUNCT
ejif-1975	284	6	&	&	CCONJ
ejif-1975	284	7	alam	alam	PROPN
ejif-1975	284	8	,	,	PUNCT
ejif-1975	284	9	a.	a.	PROPN
ejif-1975	284	10	,	,	PUNCT
ejif-1975	284	11	the	the	DET
ejif-1975	284	12	impact	impact	NOUN
ejif-1975	284	13	of	of	ADP
ejif-1975	284	14	financial	financial	ADJ
ejif-1975	284	15	restructuring	restructuring	NOUN
ejif-1975	284	16	on	on	ADP
ejif-1975	284	17	the	the	DET
ejif-1975	284	18	performance	performance	NOUN
ejif-1975	284	19	of	of	ADP
ejif-1975	284	20	pakistani	pakistani	ADJ
ejif-1975	284	21	banks	bank	NOUN
ejif-1975	284	22	:	:	PUNCT
ejif-1975	284	23	a	a	DET
ejif-1975	284	24	dea	dea	PROPN
ejif-1975	284	25	approach	approach	NOUN
ejif-1975	284	26	.	.	PUNCT
ejif-1975	285	1	the	the	DET
ejif-1975	285	2	iup	iup	PROPN
ejif-1975	285	3	journal	journal	NOUN
ejif-1975	285	4	of	of	ADP
ejif-1975	285	5	applied	apply	VERB
ejif-1975	285	6	finance	finance	NOUN
ejif-1975	285	7	,	,	PUNCT
ejif-1975	285	8	2010	2010	NUM
ejif-1975	285	9	16(1):p.71	16(1):p.71	NUM
ejif-1975	285	10	-	-	SYM
ejif-1975	285	11	86	86	NUM
ejif-1975	285	12	.	.	PUNCT
ejif-1975	286	1	[	[	X
ejif-1975	286	2	18	18	NUM
ejif-1975	286	3	]	]	PUNCT
ejif-1975	286	4	.	.	PUNCT
ejif-1975	287	1	polak	polak	PROPN
ejif-1975	287	2	,	,	PUNCT
ejif-1975	287	3	p.	p.	NOUN
ejif-1975	287	4	,	,	PUNCT
ejif-1975	287	5	sirpal	sirpal	NOUN
ejif-1975	287	6	,	,	PUNCT
ejif-1975	287	7	r.	r.	PROPN
ejif-1975	287	8	,	,	PUNCT
ejif-1975	287	9	&	&	CCONJ
ejif-1975	287	10	hamdan	hamdan	PROPN
ejif-1975	287	11	,	,	PUNCT
ejif-1975	287	12	m.	m.	NOUN
ejif-1975	287	13	,	,	PUNCT
ejif-1975	287	14	post	post	ADJ
ejif-1975	287	15	-	-	ADJ
ejif-1975	287	16	crisis	crisis	ADJ
ejif-1975	287	17	emerging	emerge	VERB
ejif-1975	287	18	role	role	NOUN
ejif-1975	287	19	of	of	ADP
ejif-1975	287	20	the	the	DET
ejif-1975	287	21	treasurer	treasurer	NOUN
ejif-1975	287	22	.	.	PUNCT
ejif-1975	288	1	european	european	ADJ
ejif-1975	288	2	journal	journal	PROPN
ejif-1975	288	3	of	of	ADP
ejif-1975	288	4	scientific	scientific	ADJ
ejif-1975	288	5	research	research	NOUN
ejif-1975	288	6	,	,	PUNCT
ejif-1975	288	7	2012	2012	NUM
ejif-1975	288	8	.	.	PUNCT
ejif-1975	289	1	86(3):p.319	86(3):p.319	X
ejif-1975	289	2	-	-	PUNCT
ejif-1975	289	3	339	339	NUM
ejif-1975	289	4	.	.	PUNCT
ejif-1975	290	1	[	[	X
ejif-1975	290	2	19	19	NUM
ejif-1975	290	3	]	]	PUNCT
ejif-1975	290	4	.	.	PUNCT
ejif-1975	291	1	rakhshan	rakhshan	PROPN
ejif-1975	291	2	,	,	PUNCT
ejif-1975	291	3	f.	f.	PROPN
ejif-1975	291	4	,	,	PUNCT
ejif-1975	291	5	alirezaee	alirezaee	ADJ
ejif-1975	291	6	,	,	PUNCT
ejif-1975	291	7	m.	m.	NOUN
ejif-1975	291	8	r.	r.	PROPN
ejif-1975	291	9	,	,	PUNCT
ejif-1975	291	10	modirii	modirii	NOUN
ejif-1975	291	11	,	,	PUNCT
ejif-1975	291	12	m.	m.	NOUN
ejif-1975	291	13	m.	m.	NOUN
ejif-1975	291	14	,	,	PUNCT
ejif-1975	291	15	&	&	CCONJ
ejif-1975	291	16	iranmanesh	iranmanesh	PROPN
ejif-1975	291	17	,	,	PUNCT
ejif-1975	291	18	m.	m.	NOUN
ejif-1975	291	19	,	,	PUNCT
ejif-1975	291	20	an	an	DET
ejif-1975	291	21	insight	insight	NOUN
ejif-1975	291	22	into	into	ADP
ejif-1975	291	23	the	the	DET
ejif-1975	291	24	model	model	NOUN
ejif-1975	291	25	structures	structure	NOUN
ejif-1975	291	26	applied	apply	VERB
ejif-1975	291	27	in	in	ADP
ejif-1975	291	28	dea	dea	PROPN
ejif-1975	291	29	-	-	PUNCT
ejif-1975	291	30	based	base	VERB
ejif-1975	291	31	bank	bank	NOUN
ejif-1975	291	32	branch	branch	NOUN
ejif-1975	291	33	efficiency	efficiency	NOUN
ejif-1975	291	34	measurements	measurement	NOUN
ejif-1975	291	35	.	.	PUNCT
ejif-1975	292	1	journal	journal	NOUN
ejif-1975	292	2	of	of	ADP
ejif-1975	292	3	industrial	industrial	ADJ
ejif-1975	292	4	and	and	CCONJ
ejif-1975	292	5	systems	system	NOUN
ejif-1975	292	6	engineering,2016	engineering,2016	PROPN
ejif-1975	292	7	.	.	PUNCT
ejif-1975	293	1	9(2	9(2	NUM
ejif-1975	293	2	):	):	PUNCT
ejif-1975	293	3	p.38	p.38	PROPN
ejif-1975	293	4	-	-	PUNCT
ejif-1975	293	5	56	56	NUM
ejif-1975	293	6	.	.	PUNCT
ejif-1975	294	1	[	[	X
ejif-1975	294	2	20	20	NUM
ejif-1975	294	3	]	]	PUNCT
ejif-1975	294	4	.	.	PUNCT
ejif-1975	295	1	qureshi	qureshi	PROPN
ejif-1975	295	2	,	,	PUNCT
ejif-1975	295	3	m.a	m.a	PROPN
ejif-1975	295	4	.	.	PROPN
ejif-1975	295	5	,	,	PUNCT
ejif-1975	295	6	&	&	CCONJ
ejif-1975	295	7	sheikh	sheikh	PROPN
ejif-1975	295	8	,	,	PUNCT
ejif-1975	295	9	m.	m.	NOUN
ejif-1975	295	10	,	,	PUNCT
ejif-1975	295	11	efficiency	efficiency	NOUN
ejif-1975	295	12	of	of	ADP
ejif-1975	295	13	islamic	islamic	ADJ
ejif-1975	295	14	and	and	CCONJ
ejif-1975	295	15	conventional	conventional	ADJ
ejif-1975	295	16	banks	bank	NOUN
ejif-1975	295	17	in	in	ADP
ejif-1975	295	18	pakistan	pakistan	PROPN
ejif-1975	295	19	:	:	PUNCT
ejif-1975	295	20	a	a	DET
ejif-1975	295	21	nonparametric	nonparametric	NOUN
ejif-1975	295	22	approach	approach	NOUN
ejif-1975	295	23	.	.	PUNCT
ejif-1975	296	1	international	international	ADJ
ejif-1975	296	2	journal	journal	PROPN
ejif-1975	296	3	of	of	ADP
ejif-1975	296	4	business	business	NOUN
ejif-1975	296	5	and	and	CCONJ
ejif-1975	296	6	management	management	NOUN
ejif-1975	296	7	,	,	PUNCT
ejif-1975	296	8	2012	2012	NUM
ejif-1975	296	9	.	.	PUNCT
ejif-1975	297	1	7(7	7(7	NUM
ejif-1975	297	2	):	):	PUNCT
ejif-1975	297	3	p.40	p.40	NOUN
ejif-1975	297	4	-	-	NOUN
ejif-1975	297	5	50	50	NUM
ejif-1975	297	6	.	.	PUNCT
ejif-1975	298	1	[	[	X
ejif-1975	298	2	21	21	NUM
ejif-1975	298	3	]	]	PUNCT
ejif-1975	298	4	.	.	PUNCT
ejif-1975	299	1	saad	saad	PROPN
ejif-1975	299	2	,	,	PUNCT
ejif-1975	299	3	n.	n.	NOUN
ejif-1975	299	4	,	,	PUNCT
ejif-1975	299	5	measuring	measure	VERB
ejif-1975	299	6	efficiency	efficiency	NOUN
ejif-1975	299	7	of	of	ADP
ejif-1975	299	8	insurance	insurance	NOUN
ejif-1975	299	9	and	and	CCONJ
ejif-1975	299	10	takaful	takaful	ADJ
ejif-1975	299	11	companies	company	NOUN
ejif-1975	299	12	in	in	ADP
ejif-1975	299	13	malaysia	malaysia	NOUN
ejif-1975	299	14	using	use	VERB
ejif-1975	299	15	data	datum	NOUN
ejif-1975	299	16	envelopment	envelopment	ADJ
ejif-1975	299	17	analysis	analysis	NOUN
ejif-1975	299	18	(	(	PUNCT
ejif-1975	299	19	dea	dea	NOUN
ejif-1975	299	20	)	)	PUNCT
ejif-1975	299	21	.	.	PUNCT
ejif-1975	300	1	review	review	NOUN
ejif-1975	300	2	of	of	ADP
ejif-1975	300	3	islamic	islamic	ADJ
ejif-1975	300	4	economics	economic	NOUN
ejif-1975	300	5	,	,	PUNCT
ejif-1975	300	6	2006	2006	NUM
ejif-1975	300	7	.	.	PUNCT
ejif-1975	301	1	10(3	10(3	NUM
ejif-1975	301	2	)	)	PUNCT
ejif-1975	301	3	:	:	PUNCT
ejif-1975	301	4	p.5	p.5	NOUN
ejif-1975	301	5	-	-	PUNCT
ejif-1975	301	6	26	26	NUM
ejif-1975	301	7	.	.	PUNCT
ejif-1975	302	1	[	[	X
ejif-1975	302	2	22	22	NUM
ejif-1975	302	3	]	]	PUNCT
ejif-1975	302	4	.	.	PUNCT
ejif-1975	303	1	saeed	saeed	PROPN
ejif-1975	303	2	,	,	PUNCT
ejif-1975	303	3	s.	s.	PROPN
ejif-1975	303	4	,	,	PUNCT
ejif-1975	303	5	ali	ali	PROPN
ejif-1975	303	6	,	,	PUNCT
ejif-1975	303	7	f.	f.	PROPN
ejif-1975	303	8	,adeeb	,adeeb	PROPN
ejif-1975	303	9	,	,	PUNCT
ejif-1975	303	10	b.	b.	PROPN
ejif-1975	303	11	,	,	PUNCT
ejif-1975	303	12	&	&	CCONJ
ejif-1975	303	13	hamid	hamid	PROPN
ejif-1975	303	14	,	,	PUNCT
ejif-1975	303	15	m.	m.	NOUN
ejif-1975	303	16	,	,	PUNCT
ejif-1975	303	17	examining	examine	VERB
ejif-1975	303	18	efficiency	efficiency	NOUN
ejif-1975	303	19	of	of	ADP
ejif-1975	303	20	islamic	islamic	ADJ
ejif-1975	303	21	and	and	CCONJ
ejif-1975	303	22	conventional	conventional	ADJ
ejif-1975	303	23	banks	bank	NOUN
ejif-1975	303	24	in	in	ADP
ejif-1975	303	25	pakistan	pakistan	PROPN
ejif-1975	303	26	:	:	PUNCT
ejif-1975	303	27	using	use	VERB
ejif-1975	303	28	data	datum	NOUN
ejif-1975	303	29	envelopment	envelopment	ADJ
ejif-1975	303	30	analysis	analysis	NOUN
ejif-1975	303	31	.	.	PUNCT
ejif-1975	304	1	global	global	ADJ
ejif-1975	304	2	journal	journal	PROPN
ejif-1975	304	3	of	of	ADP
ejif-1975	304	4	management	management	NOUN
ejif-1975	304	5	and	and	CCONJ
ejif-1975	304	6	business	business	NOUN
ejif-1975	304	7	research	research	NOUN
ejif-1975	304	8	finance	finance	NOUN
ejif-1975	304	9	,	,	PUNCT
ejif-1975	304	10	2013	2013	NUM
ejif-1975	304	11	.	.	PUNCT
ejif-1975	305	1	13(10):p.127	13(10):p.127	NUM
ejif-1975	305	2	-	-	SYM
ejif-1975	305	3	139	139	NUM
ejif-1975	305	4	.	.	PUNCT
ejif-1975	306	1	[	[	X
ejif-1975	306	2	23	23	NUM
ejif-1975	306	3	]	]	PUNCT
ejif-1975	306	4	.	.	PUNCT
ejif-1975	307	1	shah	shah	PROPN
ejif-1975	307	2	,	,	PUNCT
ejif-1975	307	3	i.	i.	PROPN
ejif-1975	307	4	a.	a.	PROPN
ejif-1975	307	5	,	,	PUNCT
ejif-1975	307	6	shah	shah	PROPN
ejif-1975	307	7	,	,	PUNCT
ejif-1975	307	8	s.	s.	PROPN
ejif-1975	307	9	z.	z.	PROPN
ejif-1975	307	10	a.	a.	PROPN
ejif-1975	307	11	&	&	CCONJ
ejif-1975	307	12	ahmad	ahmad	PROPN
ejif-1975	307	13	,	,	PUNCT
ejif-1975	307	14	h.	h.	PROPN
ejif-1975	307	15	,	,	PUNCT
ejif-1975	307	16	comparing	compare	VERB
ejif-1975	307	17	the	the	DET
ejif-1975	307	18	efficiency	efficiency	NOUN
ejif-1975	307	19	of	of	ADP
ejif-1975	307	20	islamic	islamic	ADJ
ejif-1975	307	21	versus	versus	ADP
ejif-1975	307	22	conventional	conventional	ADJ
ejif-1975	307	23	banking	banking	NOUN
ejif-1975	307	24	;	;	PUNCT
ejif-1975	307	25	through	through	ADP
ejif-1975	307	26	data	datum	NOUN
ejif-1975	307	27	envelopment	envelopment	ADJ
ejif-1975	307	28	analysis	analysis	NOUN
ejif-1975	307	29	(	(	PUNCT
ejif-1975	307	30	dea	dea	NOUN
ejif-1975	307	31	)	)	PUNCT
ejif-1975	307	32	model	model	NOUN
ejif-1975	307	33	.	.	PUNCT
ejif-1975	308	1	african	african	ADJ
ejif-1975	308	2	management	management	NOUN
ejif-1975	308	3	,	,	PUNCT
ejif-1975	308	4	2012	2012	NUM
ejif-1975	308	5	.	.	PUNCT
ejif-1975	309	1	6(3	6(3	NUM
ejif-1975	309	2	):	):	PUNCT
ejif-1975	309	3	p.787	p.787	NUM
ejif-1975	309	4	-	-	SYM
ejif-1975	309	5	798	798	NUM
ejif-1975	309	6	.	.	PUNCT
ejif-1975	310	1	[	[	X
ejif-1975	310	2	24	24	NUM
ejif-1975	310	3	]	]	PUNCT
ejif-1975	310	4	.	.	PUNCT
ejif-1975	311	1	sufian	sufian	PROPN
ejif-1975	311	2	,	,	PUNCT
ejif-1975	311	3	f.	f.	PROPN
ejif-1975	311	4	,	,	PUNCT
ejif-1975	311	5	size	size	NOUN
ejif-1975	311	6	and	and	CCONJ
ejif-1975	311	7	returns	return	NOUN
ejif-1975	311	8	to	to	ADP
ejif-1975	311	9	scale	scale	NOUN
ejif-1975	311	10	of	of	ADP
ejif-1975	311	11	the	the	DET
ejif-1975	311	12	islamic	islamic	ADJ
ejif-1975	311	13	banking	banking	NOUN
ejif-1975	311	14	industry	industry	NOUN
ejif-1975	311	15	in	in	ADP
ejif-1975	311	16	malaysia	malaysia	PROPN
ejif-1975	311	17	:	:	PUNCT
ejif-1975	311	18	foreign	foreign	ADJ
ejif-1975	311	19	versus	versus	ADP
ejif-1975	311	20	domestic	domestic	ADJ
ejif-1975	311	21	banks	bank	NOUN
ejif-1975	311	22	,	,	PUNCT
ejif-1975	311	23	iium	iium	NOUN
ejif-1975	311	24	journal	journal	NOUN
ejif-1975	311	25	of	of	ADP
ejif-1975	311	26	economics	economic	NOUN
ejif-1975	311	27	and	and	CCONJ
ejif-1975	311	28	management	management	NOUN
ejif-1975	311	29	,	,	PUNCT
ejif-1975	311	30	2006	2006	NUM
ejif-1975	311	31	.	.	PUNCT
ejif-1975	312	1	14(2	14(2	NUM
ejif-1975	312	2	):	):	PUNCT
ejif-1975	313	1	p.	p.	NOUN
ejif-1975	313	2	147	147	NUM
ejif-1975	313	3	-	-	SYM
ejif-1975	313	4	175	175	NUM
ejif-1975	313	5	.	.	PUNCT
ejif-1975	314	1	[	[	X
ejif-1975	314	2	25	25	NUM
ejif-1975	314	3	]	]	PUNCT
ejif-1975	314	4	.	.	PUNCT
ejif-1975	315	1	sin	sin	PROPN
ejif-1975	315	2	,	,	PUNCT
ejif-1975	315	3	j.	j.	PROPN
ejif-1975	315	4	h.	h.	PROPN
ejif-1975	315	5	,	,	PUNCT
ejif-1975	315	6	&	&	CCONJ
ejif-1975	315	7	hwang	hwang	PROPN
ejif-1975	315	8	,	,	PUNCT
ejif-1975	315	9	s.	s.	PROPN
ejif-1975	315	10	j.	j.	PROPN
ejif-1975	315	11	,	,	PUNCT
ejif-1975	315	12	efficiency	efficiency	NOUN
ejif-1975	315	13	analysis	analysis	NOUN
ejif-1975	315	14	and	and	CCONJ
ejif-1975	315	15	finance	finance	NOUN
ejif-1975	315	16	strategy	strategy	NOUN
ejif-1975	315	17	for	for	ADP
ejif-1975	315	18	an	an	DET
ejif-1975	315	19	automotive	automotive	ADJ
ejif-1975	315	20	parts	part	NOUN
ejif-1975	315	21	maker	maker	NOUN
ejif-1975	315	22	using	use	VERB
ejif-1975	315	23	dea	dea	NOUN
ejif-1975	315	24	and	and	CCONJ
ejif-1975	315	25	logistic	logistic	ADJ
ejif-1975	315	26	regression	regression	NOUN
ejif-1975	315	27	model	model	NOUN
ejif-1975	315	28	.	.	PUNCT
ejif-1975	316	1	journal	journal	NOUN
ejif-1975	316	2	of	of	ADP
ejif-1975	316	3	the	the	DET
ejif-1975	316	4	korean	korean	ADJ
ejif-1975	316	5	operations	operation	NOUN
ejif-1975	316	6	research	research	NOUN
ejif-1975	316	7	and	and	CCONJ
ejif-1975	316	8	management	management	NOUN
ejif-1975	316	9	science	science	NOUN
ejif-1975	316	10	society	society	NOUN
ejif-1975	316	11	,	,	PUNCT
ejif-1975	316	12	2016	2016	NUM
ejif-1975	316	13	.	.	PUNCT
ejif-1975	317	1	41(1	41(1	NUM
ejif-1975	317	2	):	):	PUNCT
ejif-1975	317	3	p.127	p.127	NOUN
ejif-1975	317	4	-	-	PUNCT
ejif-1975	317	5	143	143	NUM
ejif-1975	317	6	.	.	PUNCT
ejif-1975	318	1	[	[	X
ejif-1975	318	2	26	26	NUM
ejif-1975	318	3	]	]	PUNCT
ejif-1975	318	4	.	.	PUNCT
ejif-1975	319	1	sufian	sufian	PROPN
ejif-1975	319	2	,	,	PUNCT
ejif-1975	319	3	f.	f.	PROPN
ejif-1975	319	4	,	,	PUNCT
ejif-1975	319	5	the	the	DET
ejif-1975	319	6	efficiency	efficiency	NOUN
ejif-1975	319	7	of	of	ADP
ejif-1975	319	8	islamic	islamic	ADJ
ejif-1975	319	9	banking	banking	NOUN
ejif-1975	319	10	industry	industry	NOUN
ejif-1975	319	11	:	:	PUNCT
ejif-1975	319	12	a	a	DET
ejif-1975	319	13	non	non	ADJ
ejif-1975	319	14	-	-	ADJ
ejif-1975	319	15	parametric	parametric	ADJ
ejif-1975	319	16	analysis	analysis	NOUN
ejif-1975	319	17	with	with	ADP
ejif-1975	319	18	nondiscretionary	nondiscretionary	ADJ
ejif-1975	319	19	input	input	NOUN
ejif-1975	319	20	variable	variable	NOUN
ejif-1975	319	21	.	.	PUNCT
ejif-1975	320	1	islamic	islamic	ADJ
ejif-1975	320	2	economic	economic	ADJ
ejif-1975	320	3	studies	study	NOUN
ejif-1975	320	4	,	,	PUNCT
ejif-1975	320	5	2007	2007	NUM
ejif-1975	320	6	.	.	PUNCT
ejif-1975	321	1	14(1	14(1	NUM
ejif-1975	321	2	):	):	PUNCT
ejif-1975	321	3	p.53	p.53	NOUN
ejif-1975	321	4	-	-	NOUN
ejif-1975	321	5	78	78	NUM
ejif-1975	321	6	.	.	PUNCT
ejif-1975	322	1	[	[	X
ejif-1975	322	2	27	27	NUM
ejif-1975	322	3	]	]	PUNCT
ejif-1975	322	4	.	.	PUNCT
ejif-1975	323	1	sufian	sufian	PROPN
ejif-1975	323	2	,	,	PUNCT
ejif-1975	323	3	f.	f.	PROPN
ejif-1975	323	4	,	,	PUNCT
ejif-1975	323	5	&	&	CCONJ
ejif-1975	323	6	noor	noor	PROPN
ejif-1975	323	7	,	,	PUNCT
ejif-1975	323	8	m.	m.	NOUN
ejif-1975	323	9	a.	a.	PROPN
ejif-1975	323	10	n.	n.	PROPN
ejif-1975	323	11	m.	m.	PROPN
ejif-1975	323	12	,	,	PUNCT
ejif-1975	323	13	the	the	DET
ejif-1975	323	14	determinants	determinant	NOUN
ejif-1975	323	15	of	of	ADP
ejif-1975	323	16	islamic	islamic	ADJ
ejif-1975	323	17	banks	bank	NOUN
ejif-1975	323	18	’	’	PART
ejif-1975	323	19	efficiency	efficiency	NOUN
ejif-1975	323	20	changes	change	NOUN
ejif-1975	323	21	:	:	PUNCT
ejif-1975	323	22	empirical	empirical	ADJ
ejif-1975	323	23	evidence	evidence	NOUN
ejif-1975	323	24	from	from	ADP
ejif-1975	323	25	the	the	DET
ejif-1975	323	26	mena	mena	PROPN
ejif-1975	323	27	and	and	CCONJ
ejif-1975	323	28	asian	asian	ADJ
ejif-1975	323	29	banking	banking	NOUN
ejif-1975	323	30	sectors	sector	NOUN
ejif-1975	323	31	.	.	PUNCT
ejif-1975	324	1	international	international	ADJ
ejif-1975	324	2	journal	journal	PROPN
ejif-1975	324	3	of	of	ADP
ejif-1975	324	4	islamic	islamic	ADJ
ejif-1975	324	5	and	and	CCONJ
ejif-1975	324	6	middle	middle	ADJ
ejif-1975	324	7	eastern	eastern	ADJ
ejif-1975	324	8	finance	finance	NOUN
ejif-1975	324	9	and	and	CCONJ
ejif-1975	324	10	management	management	NOUN
ejif-1975	324	11	,	,	PUNCT
ejif-1975	324	12	2009	2009	NUM
ejif-1975	324	13	.	.	PUNCT
ejif-1975	325	1	2(2	2(2	NUM
ejif-1975	325	2	):	):	PUNCT
ejif-1975	325	3	p.120	p.120	NOUN
ejif-1975	325	4	-	-	PUNCT
ejif-1975	325	5	138	138	NUM
ejif-1975	325	6	.	.	PUNCT
ejif-1975	326	1	[	[	X
ejif-1975	326	2	28	28	NUM
ejif-1975	326	3	]	]	PUNCT
ejif-1975	326	4	.	.	PUNCT
ejif-1975	327	1	suresh	suresh	PROPN
ejif-1975	327	2	,	,	PUNCT
ejif-1975	327	3	k.	k.	PROPN
ejif-1975	327	4	,	,	PUNCT
ejif-1975	327	5	&	&	CCONJ
ejif-1975	327	6	chandrakanth	chandrakanth	PROPN
ejif-1975	327	7	,	,	PUNCT
ejif-1975	327	8	m.	m.	NOUN
ejif-1975	327	9	g.	g.	PROPN
ejif-1975	327	10	,	,	PUNCT
ejif-1975	327	11	economic	economic	ADJ
ejif-1975	327	12	efficiency	efficiency	NOUN
ejif-1975	327	13	of	of	ADP
ejif-1975	327	14	improved	improve	VERB
ejif-1975	327	15	red	red	ADJ
ejif-1975	327	16	gram	gram	NOUN
ejif-1975	327	17	variety	variety	NOUN
ejif-1975	327	18	(	(	PUNCT
ejif-1975	327	19	brg-2	brg-2	NOUN
ejif-1975	327	20	)	)	PUNCT
ejif-1975	327	21	in	in	ADP
ejif-1975	327	22	karnataka	karnataka	PROPN
ejif-1975	327	23	:	:	PUNCT
ejif-1975	327	24	a	a	DET
ejif-1975	327	25	dea	dea	PROPN
ejif-1975	327	26	analysis	analysis	NOUN
ejif-1975	327	27	.	.	PUNCT
ejif-1975	328	1	economic	economic	ADJ
ejif-1975	328	2	affairs	affair	NOUN
ejif-1975	328	3	,	,	PUNCT
ejif-1975	328	4	2016	2016	NUM
ejif-1975	328	5	.	.	PUNCT
ejif-1975	329	1	61(1):p.81	61(1):p.81	NUM
ejif-1975	329	2	-	-	PUNCT
ejif-1975	329	3	94	94	NUM
ejif-1975	329	4	.	.	PUNCT
ejif-1975	330	1	[	[	X
ejif-1975	330	2	29	29	NUM
ejif-1975	330	3	]	]	PUNCT
ejif-1975	330	4	.	.	PUNCT
ejif-1975	331	1	usman	usman	PROPN
ejif-1975	331	2	,	,	PUNCT
ejif-1975	331	3	m.	m.	NOUN
ejif-1975	331	4	,	,	PUNCT
ejif-1975	331	5	wang	wang	PROPN
ejif-1975	331	6	,	,	PUNCT
ejif-1975	331	7	z.	z.	PROPN
ejif-1975	331	8	,	,	PUNCT
ejif-1975	331	9	mahmood	mahmood	PROPN
ejif-1975	331	10	,	,	PUNCT
ejif-1975	331	11	f.	f.	PROPN
ejif-1975	331	12	,	,	PUNCT
ejif-1975	331	13	&	&	CCONJ
ejif-1975	331	14	shahid	shahid	PROPN
ejif-1975	331	15	,	,	PUNCT
ejif-1975	331	16	m.	m.	NOUN
ejif-1975	331	17	,	,	PUNCT
ejif-1975	331	18	scale	scale	NOUN
ejif-1975	331	19	efficiency	efficiency	NOUN
ejif-1975	331	20	in	in	ADP
ejif-1975	331	21	banking	banking	NOUN
ejif-1975	331	22	sector	sector	NOUN
ejif-1975	331	23	of	of	ADP
ejif-1975	331	24	pakistan	pakistan	PROPN
ejif-1975	331	25	.	.	PUNCT
ejif-1975	332	1	international	international	ADJ
ejif-1975	332	2	journal	journal	PROPN
ejif-1975	332	3	of	of	ADP
ejif-1975	332	4	business	business	NOUN
ejif-1975	332	5	and	and	CCONJ
ejif-1975	332	6	management	management	NOUN
ejif-1975	332	7	,	,	PUNCT
ejif-1975	332	8	2010	2010	NUM
ejif-1975	332	9	.	.	PUNCT
ejif-1975	333	1	5(4	5(4	NUM
ejif-1975	333	2	):	):	PUNCT
ejif-1975	333	3	p.104	p.104	NOUN
ejif-1975	333	4	-	-	PUNCT
ejif-1975	333	5	116	116	NUM
ejif-1975	333	6	.	.	PUNCT
ejif-1975	334	1	[	[	X
ejif-1975	334	2	30	30	NUM
ejif-1975	334	3	]	]	PUNCT
ejif-1975	334	4	.	.	PUNCT
ejif-1975	335	1	üstün	üstün	PROPN
ejif-1975	335	2	,	,	PUNCT
ejif-1975	335	3	a.	a.	PROPN
ejif-1975	335	4	k.	k.	PROPN
ejif-1975	335	5	,	,	PUNCT
ejif-1975	335	6	&	&	CCONJ
ejif-1975	335	7	barbarosoğlu	barbarosoğlu	PROPN
ejif-1975	335	8	,	,	PUNCT
ejif-1975	335	9	g.	g.	PROPN
ejif-1975	335	10	,	,	PUNCT
ejif-1975	335	11	performance	performance	NOUN
ejif-1975	335	12	evaluation	evaluation	NOUN
ejif-1975	335	13	of	of	ADP
ejif-1975	335	14	turkish	turkish	ADJ
ejif-1975	335	15	disaster	disaster	NOUN
ejif-1975	335	16	relief	relief	NOUN
ejif-1975	335	17	management	management	NOUN
ejif-1975	335	18	system	system	NOUN
ejif-1975	335	19	in	in	ADP
ejif-1975	335	20	1999	1999	NUM
ejif-1975	335	21	earthquakes	earthquake	NOUN
ejif-1975	335	22	using	use	VERB
ejif-1975	335	23	data	datum	NOUN
ejif-1975	335	24	envelopment	envelopment	ADJ
ejif-1975	335	25	analysis	analysis	NOUN
ejif-1975	335	26	.	.	PUNCT
ejif-1975	336	1	natural	natural	ADJ
ejif-1975	336	2	hazards	hazard	NOUN
ejif-1975	336	3	,	,	PUNCT
ejif-1975	336	4	2015	2015	NUM
ejif-1975	336	5	.	.	PUNCT
ejif-1975	337	1	75(2	75(2	NUM
ejif-1975	337	2	):	):	PUNCT
ejif-1975	337	3	p.1977	p.1977	PROPN
ejif-1975	337	4	-	-	PUNCT
ejif-1975	337	5	1996	1996	NUM
ejif-1975	337	6	.	.	PUNCT
ejif-1975	338	1	[	[	X
ejif-1975	338	2	31	31	NUM
ejif-1975	338	3	]	]	PUNCT
ejif-1975	338	4	.	.	PUNCT
ejif-1975	338	5	wanke	wanke	PROPN
ejif-1975	338	6	,	,	PUNCT
ejif-1975	338	7	p.	p.	NOUN
ejif-1975	338	8	,	,	PUNCT
ejif-1975	338	9	&	&	CCONJ
ejif-1975	338	10	barros	barros	PROPN
ejif-1975	338	11	,	,	PUNCT
ejif-1975	338	12	c.	c.	PROPN
ejif-1975	338	13	p.	p.	PROPN
ejif-1975	338	14	,	,	PUNCT
ejif-1975	338	15	new	new	ADJ
ejif-1975	338	16	evidence	evidence	NOUN
ejif-1975	338	17	on	on	ADP
ejif-1975	338	18	the	the	DET
ejif-1975	338	19	determinants	determinant	NOUN
ejif-1975	338	20	of	of	ADP
ejif-1975	338	21	efficiency	efficiency	NOUN
ejif-1975	338	22	at	at	ADP
ejif-1975	338	23	brazilian	brazilian	ADJ
ejif-1975	338	24	ports	port	NOUN
ejif-1975	338	25	:	:	PUNCT
ejif-1975	338	26	a	a	DET
ejif-1975	338	27	bootstrapped	bootstrapped	ADJ
ejif-1975	338	28	dea	dea	NOUN
ejif-1975	338	29	analysis	analysis	NOUN
ejif-1975	338	30	.	.	PUNCT
ejif-1975	339	1	international	international	ADJ
ejif-1975	339	2	journal	journal	NOUN
ejif-1975	339	3	of	of	ADP
ejif-1975	339	4	shipping	shipping	NOUN
ejif-1975	339	5	and	and	CCONJ
ejif-1975	339	6	transport	transport	NOUN
ejif-1975	339	7	logistics	logistic	NOUN
ejif-1975	339	8	,	,	PUNCT
ejif-1975	339	9	2016	2016	NUM
ejif-1975	339	10	.	.	PUNCT
ejif-1975	340	1	8(3	8(3	NUM
ejif-1975	340	2	):	):	PUNCT
ejif-1975	340	3	p.	p.	NOUN
ejif-1975	340	4	250272	250272	NUM
ejif-1975	340	5	.	.	PUNCT
ejif-1975	341	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	341	2	ejif	ejif	PROPN
ejif-1975	341	3	–	–	PUNCT
ejif-1975	341	4	european	european	PROPN
ejif-1975	341	5	journal	journal	PROPN
ejif-1975	341	6	of	of	ADP
ejif-1975	341	7	islamic	islamic	PROPN
ejif-1975	341	8	finance	finance	PROPN
ejif-1975	341	9	no	no	DET
ejif-1975	341	10	6	6	NUM
ejif-1975	341	11	,	,	PUNCT
ejif-1975	341	12	feb	feb	X
ejif-1975	341	13	(	(	PUNCT
ejif-1975	341	14	2017	2017	NUM
ejif-1975	341	15	)	)	PUNCT
ejif-1975	342	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	342	2	issn	issn	VERB
ejif-1975	342	3	2421	2421	NUM
ejif-1975	342	4	-	-	SYM
ejif-1975	342	5	2172	2172	NUM
ejif-1975	342	6	11	11	NUM
ejif-1975	343	1	[	[	X
ejif-1975	343	2	32	32	NUM
ejif-1975	343	3	]	]	PUNCT
ejif-1975	343	4	.	.	PUNCT
ejif-1975	344	1	wanke	wanke	PROPN
ejif-1975	344	2	,	,	PUNCT
ejif-1975	344	3	p.	p.	PROPN
ejif-1975	344	4	,	,	PUNCT
ejif-1975	344	5	barros	barros	PROPN
ejif-1975	344	6	,	,	PUNCT
ejif-1975	344	7	c.	c.	PROPN
ejif-1975	344	8	p.	p.	PROPN
ejif-1975	344	9	,	,	PUNCT
ejif-1975	344	10	&	&	CCONJ
ejif-1975	344	11	emrouznejad	emrouznejad	NOUN
ejif-1975	344	12	,	,	PUNCT
ejif-1975	344	13	a.	a.	NOUN
ejif-1975	344	14	,	,	PUNCT
ejif-1975	344	15	assessing	assess	VERB
ejif-1975	344	16	productive	productive	ADJ
ejif-1975	344	17	efficiency	efficiency	NOUN
ejif-1975	344	18	of	of	ADP
ejif-1975	344	19	banks	bank	NOUN
ejif-1975	344	20	using	use	VERB
ejif-1975	344	21	integrated	integrate	VERB
ejif-1975	344	22	fuzzy	fuzzy	ADJ
ejif-1975	344	23	-	-	PUNCT
ejif-1975	344	24	dea	dea	NOUN
ejif-1975	344	25	and	and	CCONJ
ejif-1975	344	26	bootstrapping	bootstrappe	VERB
ejif-1975	344	27	:	:	PUNCT
ejif-1975	344	28	a	a	DET
ejif-1975	344	29	case	case	NOUN
ejif-1975	344	30	of	of	ADP
ejif-1975	344	31	mozambican	mozambican	ADJ
ejif-1975	344	32	banks	bank	NOUN
ejif-1975	344	33	.	.	PUNCT
ejif-1975	345	1	european	european	PROPN
ejif-1975	345	2	journal	journal	PROPN
ejif-1975	345	3	of	of	ADP
ejif-1975	345	4	operational	operational	ADJ
ejif-1975	345	5	research	research	NOUN
ejif-1975	345	6	,	,	PUNCT
ejif-1975	345	7	2016	2016	NUM
ejif-1975	345	8	.	.	PUNCT
ejif-1975	346	1	249(1):p.378	249(1):p.378	NOUN
ejif-1975	346	2	-	-	PUNCT
ejif-1975	346	3	389	389	NUM
ejif-1975	346	4	.	.	PUNCT
ejif-1975	347	1	[	[	X
ejif-1975	347	2	33	33	NUM
ejif-1975	347	3	]	]	PUNCT
ejif-1975	347	4	.	.	PUNCT
ejif-1975	348	1	yusop	yusop	PROPN
ejif-1975	348	2	,	,	PUNCT
ejif-1975	348	3	z.	z.	PROPN
ejif-1975	348	4	,	,	PUNCT
ejif-1975	348	5	radam	radam	NOUN
ejif-1975	348	6	,	,	PUNCT
ejif-1975	348	7	a.	a.	NOUN
ejif-1975	348	8	,	,	PUNCT
ejif-1975	348	9	and	and	CCONJ
ejif-1975	348	10	ismail	ismail	PROPN
ejif-1975	348	11	,	,	PUNCT
ejif-1975	348	12	n.	n.	NOUN
ejif-1975	348	13	,	,	PUNCT
ejif-1975	348	14	risk	risk	NOUN
ejif-1975	348	15	management	management	NOUN
ejif-1975	348	16	efficiency	efficiency	NOUN
ejif-1975	348	17	of	of	ADP
ejif-1975	348	18	conventional	conventional	ADJ
ejif-1975	348	19	life	life	NOUN
ejif-1975	348	20	insurers	insurer	NOUN
ejif-1975	348	21	and	and	CCONJ
ejif-1975	348	22	takaful	takaful	ADJ
ejif-1975	348	23	operators	operator	NOUN
ejif-1975	348	24	.	.	PUNCT
ejif-1975	349	1	insurance	insurance	NOUN
ejif-1975	349	2	markets	market	NOUN
ejif-1975	349	3	and	and	CCONJ
ejif-1975	349	4	companies	company	NOUN
ejif-1975	349	5	:	:	PUNCT
ejif-1975	349	6	analyses	analysis	NOUN
ejif-1975	349	7	and	and	CCONJ
ejif-1975	349	8	actuarial	actuarial	ADJ
ejif-1975	349	9	computations	computation	NOUN
ejif-1975	349	10	,	,	PUNCT
ejif-1975	349	11	2011	2011	NUM
ejif-1975	349	12	.	.	PUNCT
ejif-1975	350	1	2(4	2(4	NUM
ejif-1975	350	2	):	):	PUNCT
ejif-1975	350	3	p.58	p.58	PROPN
ejif-1975	350	4	-	-	X
ejif-1975	350	5	68	68	NUM
ejif-1975	350	6	.	.	PUNCT
ejif-1975	351	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-1975	351	2	ejif	ejif	PROPN
ejif-1975	351	3	–	–	PUNCT
ejif-1975	351	4	european	european	PROPN
ejif-1975	351	5	journal	journal	PROPN
ejif-1975	351	6	of	of	ADP
ejif-1975	351	7	islamic	islamic	PROPN
ejif-1975	351	8	finance	finance	PROPN
ejif-1975	351	9	editorial	editorial	ADJ
ejif-1975	351	10	team	team	NOUN
ejif-1975	351	11	editor	editor	NOUN
ejif-1975	351	12	in	in	ADP
ejif-1975	351	13	chief	chief	ADJ
ejif-1975	351	14	prof	prof	NOUN
ejif-1975	351	15	.	.	PUNCT
ejif-1975	352	1	paolo	paolo	PROPN
ejif-1975	352	2	pietro	pietro	PROPN
ejif-1975	352	3	biancone	biancone	NOUN
ejif-1975	352	4	,	,	PUNCT
ejif-1975	352	5	university	university	PROPN
ejif-1975	352	6	of	of	ADP
ejif-1975	352	7	turin	turin	PROPN
ejif-1975	352	8	,	,	PUNCT
ejif-1975	352	9	italy	italy	PROPN
ejif-1975	352	10	editorial	editorial	PROPN
ejif-1975	352	11	board	board	PROPN
ejif-1975	352	12	prof	prof	PROPN
ejif-1975	352	13	.	.	PUNCT
ejif-1975	353	1	dian	dian	PROPN
ejif-1975	353	2	masyita	masyita	PROPN
ejif-1975	353	3	,	,	PUNCT
ejif-1975	353	4	university	university	NOUN
ejif-1975	353	5	of	of	ADP
ejif-1975	353	6	padjadjaran	padjadjaran	PROPN
ejif-1975	353	7	,	,	PUNCT
ejif-1975	353	8	indonesia	indonesia	PROPN
ejif-1975	353	9	prof	prof	PROPN
ejif-1975	353	10	.	.	PUNCT
ejif-1975	354	1	abdulazeem	abdulazeem	PROPN
ejif-1975	354	2	abozaid	abozaid	PROPN
ejif-1975	354	3	,	,	PUNCT
ejif-1975	354	4	qatar	qatar	PROPN
ejif-1975	354	5	faculty	faculty	NOUN
ejif-1975	354	6	of	of	ADP
ejif-1975	354	7	islamic	islamic	ADJ
ejif-1975	354	8	studies	study	NOUN
ejif-1975	354	9	–	–	PUNCT
ejif-1975	354	10	qatar	qatar	PROPN
ejif-1975	354	11	prof	prof	NOUN
ejif-1975	354	12	.	.	PUNCT
ejif-1975	355	1	ahmad	ahmad	PROPN
ejif-1975	355	2	aref	aref	PROPN
ejif-1975	355	3	almazari	almazari	PROPN
ejif-1975	355	4	,	,	PUNCT
ejif-1975	355	5	king	king	PROPN
ejif-1975	355	6	saud	saud	PROPN
ejif-1975	355	7	university	university	PROPN
ejif-1975	355	8	,	,	PUNCT
ejif-1975	355	9	saudi	saudi	PROPN
ejif-1975	355	10	arabia	arabia	PROPN
ejif-1975	355	11	prof	prof	PROPN
ejif-1975	355	12	.	.	PUNCT
ejif-1975	356	1	nidal	nidal	PROPN
ejif-1975	356	2	a.	a.	PROPN
ejif-1975	356	3	alsayyed	alsayye	VERB
ejif-1975	356	4	,	,	PUNCT
ejif-1975	356	5	inayah	inayah	VERB
ejif-1975	356	6	islamic	islamic	PROPN
ejif-1975	356	7	finance	finance	PROPN
ejif-1975	356	8	research	research	PROPN
ejif-1975	356	9	institute	institute	PROPN
ejif-1975	356	10	,	,	PUNCT
ejif-1975	356	11	usa	usa	PROPN
ejif-1975	356	12	prof	prof	PROPN
ejif-1975	356	13	.	.	PUNCT
ejif-1975	357	1	roberta	roberta	PROPN
ejif-1975	357	2	aluffi	aluffi	PROPN
ejif-1975	357	3	,	,	PUNCT
ejif-1975	357	4	university	university	PROPN
ejif-1975	357	5	of	of	ADP
ejif-1975	357	6	turin	turin	PROPN
ejif-1975	357	7	italy	italy	PROPN
ejif-1975	357	8	prof	prof	PROPN
ejif-1975	357	9	.	.	PUNCT
ejif-1975	358	1	ghassen	ghassen	PROPN
ejif-1975	358	2	bouslama	bouslama	PROPN
ejif-1975	358	3	,	,	PUNCT
ejif-1975	358	4	neoma	neoma	PROPN
ejif-1975	358	5	business	business	PROPN
ejif-1975	358	6	school	school	PROPN
ejif-1975	358	7	campus	campus	NOUN
ejif-1975	358	8	de	de	X
ejif-1975	358	9	reims	reims	X
ejif-1975	358	10	,	,	PUNCT
ejif-1975	358	11	france	france	PROPN
ejif-1975	358	12	prof	prof	PROPN
ejif-1975	358	13	.	.	PUNCT
ejif-1975	359	1	nazam	nazam	PROPN
ejif-1975	359	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-1975	359	3	,	,	PUNCT
ejif-1975	359	4	salford	salford	PROPN
ejif-1975	359	5	university	university	PROPN
ejif-1975	359	6	,	,	PUNCT
ejif-1975	359	7	uk	uk	PROPN
ejif-1975	359	8	prof	prof	PROPN
ejif-1975	359	9	.	.	PUNCT
ejif-1975	360	1	kabir	kabir	PROPN
ejif-1975	360	2	hassan	hassan	PROPN
ejif-1975	360	3	,	,	PUNCT
ejif-1975	360	4	university	university	NOUN
ejif-1975	360	5	of	of	ADP
ejif-1975	360	6	new	new	PROPN
ejif-1975	360	7	orleans	orleans	PROPN
ejif-1975	360	8	,	,	PUNCT
ejif-1975	360	9	usa	usa	PROPN
ejif-1975	360	10	prof	prof	PROPN
ejif-1975	360	11	.	.	PUNCT
ejif-1975	361	1	khaled	khaled	PROPN
ejif-1975	361	2	hussainey	hussainey	PROPN
ejif-1975	361	3	,	,	PUNCT
ejif-1975	361	4	portsmouth	portsmouth	PROPN
ejif-1975	361	5	university	university	PROPN
ejif-1975	361	6	,	,	PUNCT
ejif-1975	361	7	uk	uk	PROPN
ejif-1975	361	8	prof	prof	PROPN
ejif-1975	361	9	.	.	PUNCT
ejif-1975	362	1	rifki	rifki	PROPN
ejif-1975	362	2	ismal	ismal	NOUN
ejif-1975	362	3	,	,	PUNCT
ejif-1975	362	4	university	university	NOUN
ejif-1975	362	5	of	of	ADP
ejif-1975	362	6	indonesia	indonesia	PROPN
ejif-1975	362	7	prof	prof	PROPN
ejif-1975	362	8	.	.	PUNCT
ejif-1975	363	1	tariqullah	tariqullah	PROPN
ejif-1975	363	2	khan	khan	PROPN
ejif-1975	363	3	,	,	PUNCT
ejif-1975	363	4	hamad	hamad	PROPN
ejif-1975	363	5	bin	bin	PROPN
ejif-1975	363	6	khalifa	khalifa	PROPN
ejif-1975	363	7	university	university	PROPN
ejif-1975	363	8	,	,	PUNCT
ejif-1975	363	9	qatar	qatar	PROPN
ejif-1975	363	10	prof	prof	PROPN
ejif-1975	363	11	.	.	PROPN
ejif-1975	364	1	ali	ali	PROPN
ejif-1975	364	2	khorshid	khorshid	PROPN
ejif-1975	364	3	,	,	PUNCT
ejif-1975	364	4	icma	icma	NOUN
ejif-1975	364	5	centre	centre	NOUN
ejif-1975	364	6	reading	read	VERB
ejif-1975	364	7	university	university	PROPN
ejif-1975	364	8	uk	uk	PROPN
ejif-1975	364	9	prof	prof	PROPN
ejif-1975	364	10	.	.	PUNCT
ejif-1975	365	1	amir	amir	PROPN
ejif-1975	365	2	kia	kia	PROPN
ejif-1975	365	3	,	,	PUNCT
ejif-1975	365	4	utah	utah	PROPN
ejif-1975	365	5	valley	valley	PROPN
ejif-1975	365	6	university	university	PROPN
ejif-1975	365	7	,	,	PUNCT
ejif-1975	365	8	usa	usa	PROPN
ejif-1975	365	9	prof	prof	PROPN
ejif-1975	365	10	.	.	PUNCT
ejif-1975	366	1	laurent	laurent	PROPN
ejif-1975	366	2	marliere	marliere	ADV
ejif-1975	366	3	,	,	PUNCT
ejif-1975	366	4	université	université	PROPN
ejif-1975	366	5	paris	paris	PROPN
ejif-1975	366	6	-	-	PUNCT
ejif-1975	366	7	dauphine	dauphine	PROPN
ejif-1975	366	8	france	france	PROPN
ejif-1975	366	9	prof	prof	PROPN
ejif-1975	366	10	.	.	PUNCT
ejif-1975	367	1	federica	federica	PROPN
ejif-1975	367	2	miglietta	miglietta	PROPN
ejif-1975	367	3	,	,	PUNCT
ejif-1975	367	4	university	university	NOUN
ejif-1975	367	5	of	of	ADP
ejif-1975	367	6	bari	bari	PROPN
ejif-1975	367	7	italy	italy	PROPN
ejif-1975	367	8	prof	prof	PROPN
ejif-1975	367	9	.	.	PUNCT
ejif-1975	368	1	hakim	hakim	PROPN
ejif-1975	368	2	ben	ben	PROPN
ejif-1975	368	3	othman	othman	PROPN
ejif-1975	368	4	,	,	PUNCT
ejif-1975	368	5	university	university	PROPN
ejif-1975	368	6	of	of	ADP
ejif-1975	368	7	tunis	tunis	PROPN
ejif-1975	368	8	tunisia	tunisia	PROPN
ejif-1975	368	9	prof	prof	PROPN
ejif-1975	368	10	.	.	PUNCT
ejif-1975	369	1	mohamed	mohamed	PROPN
ejif-1975	369	2	ramady	ramady	PROPN
ejif-1975	369	3	,	,	PUNCT
ejif-1975	369	4	king	king	PROPN
ejif-1975	369	5	fahd	fahd	PROPN
ejif-1975	369	6	university	university	PROPN
ejif-1975	369	7	of	of	ADP
ejif-1975	369	8	petroleum	petroleum	NOUN
ejif-1975	369	9	and	and	CCONJ
ejif-1975	369	10	minerals	mineral	NOUN
ejif-1975	369	11	,	,	PUNCT
ejif-1975	370	1	saudi	saudi	PROPN
ejif-1975	370	2	arabia	arabia	PROPN
ejif-1975	370	3	prof	prof	PROPN
ejif-1975	370	4	.	.	PROPN
ejif-1975	370	5	mamunur	mamunur	PROPN
ejif-1975	370	6	rashid	rashid	PROPN
ejif-1975	370	7	,	,	PUNCT
ejif-1975	370	8	nottingham	nottingham	PROPN
ejif-1975	370	9	university	university	PROPN
ejif-1975	370	10	,	,	PUNCT
ejif-1975	370	11	malaysia	malaysia	PROPN
ejif-1975	370	12	prof	prof	PROPN
ejif-1975	370	13	.	.	PUNCT
ejif-1975	371	1	younes	younes	PROPN
ejif-1975	371	2	soualhi	soualhi	PROPN
ejif-1975	371	3	,	,	PUNCT
ejif-1975	371	4	international	international	PROPN
ejif-1975	371	5	islamic	islamic	PROPN
ejif-1975	371	6	university	university	PROPN
ejif-1975	371	7	malaysia	malaysia	PROPN
ejif-1975	371	8	prof	prof	PROPN
ejif-1975	371	9	.	.	PUNCT
ejif-1975	372	1	laurent	laurent	PROPN
ejif-1975	372	2	weill	weill	PROPN
ejif-1975	372	3	,	,	PUNCT
ejif-1975	372	4	university	university	NOUN
ejif-1975	372	5	of	of	ADP
ejif-1975	372	6	strasbourg	strasbourg	NOUN
ejif-1975	372	7	,	,	PUNCT
ejif-1975	372	8	france	france	PROPN
ejif-1975	372	9	editorial_board.pdf	editorial_board.pdf	PROPN
ejif-1975	372	10	editor	editor	NOUN
ejif-1975	372	11	in	in	ADP
ejif-1975	372	12	chief	chief	ADJ
ejif-1975	372	13	editorial	editorial	ADJ
ejif-1975	372	14	board	board	NOUN