id	sid	tid	token	lemma	pos
ejif-2086	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	1	2	issn	issn	VERB
ejif-2086	1	3	2421	2421	NUM
ejif-2086	1	4	-	-	SYM
ejif-2086	1	5	2172	2172	NUM
ejif-2086	1	6	1	1	NUM
ejif-2086	1	7	takaful	takaful	ADJ
ejif-2086	1	8	practice	practice	NOUN
ejif-2086	1	9	in	in	ADP
ejif-2086	1	10	nigeria	nigeria	PROPN
ejif-2086	1	11	:	:	PUNCT
ejif-2086	1	12	history	history	NOUN
ejif-2086	1	13	,	,	PUNCT
ejif-2086	1	14	present	present	ADJ
ejif-2086	1	15	and	and	CCONJ
ejif-2086	1	16	future	future	ADJ
ejif-2086	1	17	abubakar	abubakar	PROPN
ejif-2086	1	18	aliyu	aliyu	NOUN
ejif-2086	1	19	ardo	ardo	VERB
ejif-2086	1	20	a	a	DET
ejif-2086	1	21	,	,	PUNCT
ejif-2086	1	22	buerhan	buerhan	PROPN
ejif-2086	1	23	saiti	saiti	PROPN
ejif-2086	1	24	a	a	PRON
ejif-2086	1	25	,	,	PUNCT
ejif-2086	1	26	*	*	PUNCT
ejif-2086	1	27	a	a	DET
ejif-2086	1	28	institute	institute	NOUN
ejif-2086	1	29	of	of	ADP
ejif-2086	1	30	islamic	islamic	PROPN
ejif-2086	1	31	banking	banking	NOUN
ejif-2086	1	32	and	and	CCONJ
ejif-2086	1	33	finance	finance	NOUN
ejif-2086	1	34	,	,	PUNCT
ejif-2086	1	35	international	international	ADJ
ejif-2086	1	36	islamic	islamic	PROPN
ejif-2086	1	37	university	university	PROPN
ejif-2086	1	38	malaysia	malaysia	PROPN
ejif-2086	1	39	,	,	PUNCT
ejif-2086	1	40	kuala	kuala	PROPN
ejif-2086	1	41	lumpur	lumpur	PROPN
ejif-2086	1	42	,	,	PUNCT
ejif-2086	1	43	malaysia	malaysia	PROPN
ejif-2086	1	44	*	*	PUNCT
ejif-2086	1	45	corresponding	correspond	VERB
ejif-2086	1	46	author	author	NOUN
ejif-2086	1	47	at	at	ADP
ejif-2086	1	48	:	:	PUNCT
ejif-2086	1	49	email	email	NOUN
ejif-2086	1	50	:	:	PUNCT
ejif-2086	2	1	borhanseti@gmail.com	borhanseti@gmail.com	X
ejif-2086	2	2	abstract	abstract	ADJ
ejif-2086	2	3	the	the	DET
ejif-2086	2	4	development	development	NOUN
ejif-2086	2	5	of	of	ADP
ejif-2086	2	6	a	a	DET
ejif-2086	2	7	robust	robust	ADJ
ejif-2086	2	8	financial	financial	ADJ
ejif-2086	2	9	system	system	NOUN
ejif-2086	2	10	is	be	AUX
ejif-2086	2	11	an	an	DET
ejif-2086	2	12	important	important	ADJ
ejif-2086	2	13	objective	objective	NOUN
ejif-2086	2	14	especially	especially	ADV
ejif-2086	2	15	for	for	ADP
ejif-2086	2	16	a	a	DET
ejif-2086	2	17	country	country	NOUN
ejif-2086	2	18	like	like	ADP
ejif-2086	2	19	nigeria	nigeria	PROPN
ejif-2086	2	20	,	,	PUNCT
ejif-2086	2	21	being	be	AUX
ejif-2086	2	22	a	a	DET
ejif-2086	2	23	formidable	formidable	ADJ
ejif-2086	2	24	force	force	NOUN
ejif-2086	2	25	on	on	ADP
ejif-2086	2	26	the	the	DET
ejif-2086	2	27	african	african	ADJ
ejif-2086	2	28	continent	continent	NOUN
ejif-2086	2	29	.	.	PUNCT
ejif-2086	3	1	as	as	SCONJ
ejif-2086	3	2	the	the	DET
ejif-2086	3	3	country	country	NOUN
ejif-2086	3	4	aspires	aspire	VERB
ejif-2086	3	5	to	to	PART
ejif-2086	3	6	become	become	VERB
ejif-2086	3	7	a	a	DET
ejif-2086	3	8	major	major	ADJ
ejif-2086	3	9	international	international	ADJ
ejif-2086	3	10	financial	financial	ADJ
ejif-2086	3	11	centre	centre	NOUN
ejif-2086	3	12	in	in	ADP
ejif-2086	3	13	the	the	DET
ejif-2086	3	14	continent	continent	NOUN
ejif-2086	3	15	by	by	ADP
ejif-2086	3	16	the	the	DET
ejif-2086	3	17	year	year	NOUN
ejif-2086	3	18	2020	2020	NUM
ejif-2086	3	19	,	,	PUNCT
ejif-2086	3	20	the	the	DET
ejif-2086	3	21	development	development	NOUN
ejif-2086	3	22	of	of	ADP
ejif-2086	3	23	takaful	takaful	NOUN
ejif-2086	3	24	as	as	ADP
ejif-2086	3	25	a	a	DET
ejif-2086	3	26	major	major	ADJ
ejif-2086	3	27	segment	segment	NOUN
ejif-2086	3	28	of	of	ADP
ejif-2086	3	29	islamic	islamic	ADJ
ejif-2086	3	30	finance	finance	NOUN
ejif-2086	3	31	remains	remain	VERB
ejif-2086	3	32	paramount	paramount	ADJ
ejif-2086	3	33	.	.	PUNCT
ejif-2086	4	1	despite	despite	SCONJ
ejif-2086	4	2	government	government	NOUN
ejif-2086	4	3	’s	’s	PART
ejif-2086	4	4	effort	effort	NOUN
ejif-2086	4	5	and	and	CCONJ
ejif-2086	4	6	the	the	DET
ejif-2086	4	7	huge	huge	ADJ
ejif-2086	4	8	potentials	potential	NOUN
ejif-2086	4	9	for	for	ADP
ejif-2086	4	10	such	such	DET
ejif-2086	4	11	a	a	DET
ejif-2086	4	12	unique	unique	ADJ
ejif-2086	4	13	service	service	NOUN
ejif-2086	4	14	,	,	PUNCT
ejif-2086	4	15	the	the	DET
ejif-2086	4	16	growth	growth	NOUN
ejif-2086	4	17	in	in	ADP
ejif-2086	4	18	takaful	takaful	ADJ
ejif-2086	4	19	operations	operation	NOUN
ejif-2086	4	20	is	be	AUX
ejif-2086	4	21	still	still	ADV
ejif-2086	4	22	at	at	ADP
ejif-2086	4	23	a	a	DET
ejif-2086	4	24	nascent	nascent	NOUN
ejif-2086	4	25	after	after	ADP
ejif-2086	4	26	over	over	ADP
ejif-2086	4	27	a	a	DET
ejif-2086	4	28	decade	decade	NOUN
ejif-2086	4	29	of	of	ADP
ejif-2086	4	30	existence	existence	NOUN
ejif-2086	4	31	.	.	PUNCT
ejif-2086	5	1	takaful	takaful	ADJ
ejif-2086	5	2	ought	ought	AUX
ejif-2086	5	3	to	to	PART
ejif-2086	5	4	have	have	AUX
ejif-2086	5	5	recorded	record	VERB
ejif-2086	5	6	great	great	ADJ
ejif-2086	5	7	success	success	NOUN
ejif-2086	5	8	in	in	ADP
ejif-2086	5	9	nigeria	nigeria	PRON
ejif-2086	5	10	considering	consider	VERB
ejif-2086	5	11	several	several	ADJ
ejif-2086	5	12	positive	positive	ADJ
ejif-2086	5	13	factors	factor	NOUN
ejif-2086	5	14	,	,	PUNCT
ejif-2086	5	15	unfortunately	unfortunately	ADV
ejif-2086	5	16	,	,	PUNCT
ejif-2086	5	17	which	which	PRON
ejif-2086	5	18	has	have	AUX
ejif-2086	5	19	not	not	PART
ejif-2086	5	20	been	be	AUX
ejif-2086	5	21	the	the	DET
ejif-2086	5	22	case	case	NOUN
ejif-2086	5	23	.	.	PUNCT
ejif-2086	6	1	using	use	VERB
ejif-2086	6	2	a	a	DET
ejif-2086	6	3	qualitative	qualitative	ADJ
ejif-2086	6	4	library	library	NOUN
ejif-2086	6	5	research	research	NOUN
ejif-2086	6	6	method	method	NOUN
ejif-2086	6	7	,	,	PUNCT
ejif-2086	6	8	this	this	DET
ejif-2086	6	9	paper	paper	NOUN
ejif-2086	6	10	provides	provide	VERB
ejif-2086	6	11	an	an	DET
ejif-2086	6	12	overview	overview	NOUN
ejif-2086	6	13	of	of	ADP
ejif-2086	6	14	takaful	takaful	ADJ
ejif-2086	6	15	with	with	ADP
ejif-2086	6	16	emphasis	emphasis	NOUN
ejif-2086	6	17	on	on	ADP
ejif-2086	6	18	its	its	PRON
ejif-2086	6	19	practice	practice	NOUN
ejif-2086	6	20	in	in	ADP
ejif-2086	6	21	nigeria	nigeria	PROPN
ejif-2086	6	22	over	over	ADP
ejif-2086	6	23	the	the	DET
ejif-2086	6	24	years	year	NOUN
ejif-2086	6	25	.	.	PUNCT
ejif-2086	7	1	the	the	DET
ejif-2086	7	2	paper	paper	NOUN
ejif-2086	7	3	also	also	ADV
ejif-2086	7	4	further	far	ADV
ejif-2086	7	5	explores	explore	VERB
ejif-2086	7	6	the	the	DET
ejif-2086	7	7	challenges	challenge	NOUN
ejif-2086	7	8	hindering	hinder	VERB
ejif-2086	7	9	the	the	DET
ejif-2086	7	10	development	development	NOUN
ejif-2086	7	11	of	of	ADP
ejif-2086	7	12	takaful	takaful	NOUN
ejif-2086	7	13	in	in	ADP
ejif-2086	7	14	nigeria	nigeria	PROPN
ejif-2086	7	15	especially	especially	ADV
ejif-2086	7	16	on	on	ADP
ejif-2086	7	17	the	the	DET
ejif-2086	7	18	legal	legal	ADJ
ejif-2086	7	19	aspect	aspect	NOUN
ejif-2086	7	20	.	.	PUNCT
ejif-2086	8	1	consequently	consequently	ADV
ejif-2086	8	2	,	,	PUNCT
ejif-2086	8	3	certain	certain	ADJ
ejif-2086	8	4	recommendations	recommendation	NOUN
ejif-2086	8	5	have	have	AUX
ejif-2086	8	6	been	be	AUX
ejif-2086	8	7	made	make	VERB
ejif-2086	8	8	to	to	PART
ejif-2086	8	9	reverse	reverse	VERB
ejif-2086	8	10	the	the	DET
ejif-2086	8	11	ugly	ugly	ADJ
ejif-2086	8	12	trend	trend	NOUN
ejif-2086	8	13	.	.	PUNCT
ejif-2086	9	1	as	as	ADP
ejif-2086	9	2	a	a	DET
ejif-2086	9	3	matter	matter	NOUN
ejif-2086	9	4	of	of	ADP
ejif-2086	9	5	urgency	urgency	NOUN
ejif-2086	9	6	,	,	PUNCT
ejif-2086	9	7	the	the	DET
ejif-2086	9	8	issues	issue	NOUN
ejif-2086	9	9	raised	raise	VERB
ejif-2086	9	10	need	need	VERB
ejif-2086	9	11	to	to	PART
ejif-2086	9	12	be	be	AUX
ejif-2086	9	13	addressed	address	VERB
ejif-2086	9	14	to	to	PART
ejif-2086	9	15	facilitate	facilitate	VERB
ejif-2086	9	16	accelerated	accelerate	VERB
ejif-2086	9	17	development	development	NOUN
ejif-2086	9	18	of	of	ADP
ejif-2086	9	19	takaful	takaful	ADJ
ejif-2086	9	20	operations	operation	NOUN
ejif-2086	9	21	and	and	CCONJ
ejif-2086	9	22	contribute	contribute	VERB
ejif-2086	9	23	towards	towards	ADP
ejif-2086	9	24	achieving	achieve	VERB
ejif-2086	9	25	the	the	DET
ejif-2086	9	26	much	much	ADV
ejif-2086	9	27	-	-	PUNCT
ejif-2086	9	28	needed	need	VERB
ejif-2086	9	29	revitalization	revitalization	NOUN
ejif-2086	9	30	of	of	ADP
ejif-2086	9	31	the	the	DET
ejif-2086	9	32	nigerian	nigerian	ADJ
ejif-2086	9	33	financial	financial	ADJ
ejif-2086	9	34	system	system	NOUN
ejif-2086	9	35	.	.	PUNCT
ejif-2086	10	1	keywords	keyword	NOUN
ejif-2086	10	2	:	:	PUNCT
ejif-2086	10	3	islamic	islamic	ADJ
ejif-2086	10	4	finance	finance	NOUN
ejif-2086	10	5	;	;	PUNCT
ejif-2086	10	6	takaful	takaful	ADJ
ejif-2086	10	7	;	;	PUNCT
ejif-2086	10	8	conventional	conventional	ADJ
ejif-2086	10	9	insurance	insurance	NOUN
ejif-2086	10	10	;	;	PUNCT
ejif-2086	10	11	nigeria	nigeria	PROPN
ejif-2086	10	12	1	1	NUM
ejif-2086	10	13	.	.	PUNCT
ejif-2086	11	1	introduction	introduction	NOUN
ejif-2086	11	2	nigeria	nigeria	PROPN
ejif-2086	11	3	is	be	AUX
ejif-2086	11	4	the	the	DET
ejif-2086	11	5	most	most	ADV
ejif-2086	11	6	populous	populous	ADJ
ejif-2086	11	7	nation	nation	NOUN
ejif-2086	11	8	in	in	ADP
ejif-2086	11	9	africa	africa	PROPN
ejif-2086	11	10	with	with	ADP
ejif-2086	11	11	the	the	DET
ejif-2086	11	12	population	population	NOUN
ejif-2086	11	13	of	of	ADP
ejif-2086	11	14	about	about	ADV
ejif-2086	11	15	186	186	NUM
ejif-2086	11	16	million	million	NUM
ejif-2086	11	17	,	,	PUNCT
ejif-2086	11	18	50	50	NUM
ejif-2086	11	19	%	%	NOUN
ejif-2086	11	20	of	of	ADP
ejif-2086	11	21	whom	whom	PRON
ejif-2086	11	22	,	,	PUNCT
ejif-2086	11	23	are	be	AUX
ejif-2086	11	24	muslims	muslim	NOUN
ejif-2086	12	1	[	[	X
ejif-2086	12	2	9	9	NUM
ejif-2086	12	3	]	]	PUNCT
ejif-2086	12	4	.	.	PUNCT
ejif-2086	13	1	international	international	ADJ
ejif-2086	13	2	monetary	monetary	ADJ
ejif-2086	13	3	fund	fund	NOUN
ejif-2086	13	4	(	(	PUNCT
ejif-2086	13	5	imf	imf	PROPN
ejif-2086	13	6	)	)	PUNCT
ejif-2086	13	7	projection	projection	NOUN
ejif-2086	13	8	predicts	predict	NOUN
ejif-2086	13	9	that	that	SCONJ
ejif-2086	13	10	the	the	DET
ejif-2086	13	11	population	population	NOUN
ejif-2086	13	12	will	will	AUX
ejif-2086	13	13	increase	increase	VERB
ejif-2086	13	14	to	to	ADP
ejif-2086	13	15	about	about	ADP
ejif-2086	13	16	210	210	NUM
ejif-2086	13	17	million	million	NUM
ejif-2086	13	18	by	by	ADP
ejif-2086	13	19	2021	2021	NUM
ejif-2086	13	20	[	[	X
ejif-2086	13	21	21	21	NUM
ejif-2086	13	22	]	]	PUNCT
ejif-2086	13	23	.	.	PUNCT
ejif-2086	14	1	furthermore	furthermore	ADV
ejif-2086	14	2	,	,	PUNCT
ejif-2086	14	3	nigeria	nigeria	PROPN
ejif-2086	14	4	emerged	emerge	VERB
ejif-2086	14	5	as	as	ADP
ejif-2086	14	6	the	the	DET
ejif-2086	14	7	largest	large	ADJ
ejif-2086	14	8	economy	economy	NOUN
ejif-2086	14	9	in	in	ADP
ejif-2086	14	10	africa	africa	PROPN
ejif-2086	14	11	in	in	ADP
ejif-2086	14	12	2015	2015	NUM
ejif-2086	14	13	with	with	ADP
ejif-2086	14	14	an	an	DET
ejif-2086	14	15	estimated	estimate	VERB
ejif-2086	14	16	gdp	gdp	NOUN
ejif-2086	14	17	of	of	ADP
ejif-2086	14	18	$	$	SYM
ejif-2086	14	19	1.1	1.1	NUM
ejif-2086	14	20	trillion	trillion	NUM
ejif-2086	14	21	[	[	X
ejif-2086	14	22	8	8	NUM
ejif-2086	14	23	]	]	PUNCT
ejif-2086	14	24	.	.	PUNCT
ejif-2086	15	1	as	as	ADV
ejif-2086	15	2	far	far	ADV
ejif-2086	15	3	back	back	ADV
ejif-2086	15	4	as	as	ADP
ejif-2086	15	5	2007	2007	NUM
ejif-2086	15	6	,	,	PUNCT
ejif-2086	15	7	the	the	DET
ejif-2086	15	8	central	central	ADJ
ejif-2086	15	9	bank	bank	PROPN
ejif-2086	15	10	of	of	ADP
ejif-2086	15	11	nigeria	nigeria	PROPN
ejif-2086	15	12	(	(	PUNCT
ejif-2086	15	13	cbn	cbn	PROPN
ejif-2086	15	14	)	)	PUNCT
ejif-2086	15	15	unveiled	unveil	VERB
ejif-2086	15	16	the	the	DET
ejif-2086	15	17	financial	financial	ADJ
ejif-2086	15	18	system	system	NOUN
ejif-2086	15	19	strategy	strategy	NOUN
ejif-2086	15	20	2020	2020	NUM
ejif-2086	15	21	(	(	PUNCT
ejif-2086	15	22	fss	fss	NOUN
ejif-2086	15	23	2020	2020	NUM
ejif-2086	15	24	)	)	PUNCT
ejif-2086	15	25	as	as	ADP
ejif-2086	15	26	a	a	DET
ejif-2086	15	27	blueprint	blueprint	NOUN
ejif-2086	15	28	aimed	aim	VERB
ejif-2086	15	29	at	at	ADP
ejif-2086	15	30	repositioning	reposition	VERB
ejif-2086	15	31	the	the	DET
ejif-2086	15	32	country	country	NOUN
ejif-2086	15	33	to	to	PART
ejif-2086	15	34	become	become	VERB
ejif-2086	15	35	africa	africa	PROPN
ejif-2086	15	36	’s	’s	PART
ejif-2086	15	37	major	major	ADJ
ejif-2086	15	38	international	international	ADJ
ejif-2086	15	39	finance	finance	NOUN
ejif-2086	15	40	centre	centre	NOUN
ejif-2086	15	41	(	(	PUNCT
ejif-2086	15	42	ifc	ifc	NOUN
ejif-2086	15	43	)	)	PUNCT
ejif-2086	15	44	by	by	ADP
ejif-2086	15	45	the	the	DET
ejif-2086	15	46	year	year	NOUN
ejif-2086	15	47	2020	2020	NUM
ejif-2086	16	1	[	[	X
ejif-2086	16	2	6	6	NUM
ejif-2086	16	3	]	]	PUNCT
ejif-2086	16	4	.	.	PUNCT
ejif-2086	17	1	this	this	DET
ejif-2086	17	2	move	move	NOUN
ejif-2086	17	3	was	be	AUX
ejif-2086	17	4	greatly	greatly	ADV
ejif-2086	17	5	motivated	motivate	VERB
ejif-2086	17	6	by	by	ADP
ejif-2086	17	7	the	the	DET
ejif-2086	17	8	optimistic	optimistic	ADJ
ejif-2086	17	9	“	"	PUNCT
ejif-2086	17	10	next	next	ADJ
ejif-2086	17	11	11	11	NUM
ejif-2086	17	12	”	"	PUNCT
ejif-2086	17	13	forecast	forecast	NOUN
ejif-2086	17	14	by	by	ADP
ejif-2086	17	15	goldman	goldman	PROPN
ejif-2086	17	16	sachs	sachs	PROPN
ejif-2086	17	17	which	which	PRON
ejif-2086	17	18	reported	report	VERB
ejif-2086	17	19	nigeria	nigeria	PROPN
ejif-2086	17	20	as	as	ADP
ejif-2086	17	21	one	one	NUM
ejif-2086	17	22	of	of	ADP
ejif-2086	17	23	the	the	DET
ejif-2086	17	24	11	11	NUM
ejif-2086	17	25	countries	country	NOUN
ejif-2086	17	26	with	with	ADP
ejif-2086	17	27	enormous	enormous	ADJ
ejif-2086	17	28	growth	growth	NOUN
ejif-2086	17	29	potentials	potential	VERB
ejif-2086	17	30	that	that	PRON
ejif-2086	17	31	will	will	AUX
ejif-2086	17	32	possibly	possibly	ADV
ejif-2086	17	33	rival	rival	VERB
ejif-2086	17	34	the	the	DET
ejif-2086	17	35	g7	g7	PROPN
ejif-2086	17	36	in	in	ADP
ejif-2086	17	37	future	future	NOUN
ejif-2086	17	38	[	[	X
ejif-2086	17	39	5	5	NUM
ejif-2086	17	40	]	]	PUNCT
ejif-2086	17	41	.	.	PUNCT
ejif-2086	18	1	a	a	DET
ejif-2086	18	2	robust	robust	ADJ
ejif-2086	18	3	financial	financial	ADJ
ejif-2086	18	4	system	system	NOUN
ejif-2086	18	5	is	be	AUX
ejif-2086	18	6	essential	essential	ADJ
ejif-2086	18	7	to	to	PART
ejif-2086	18	8	support	support	VERB
ejif-2086	18	9	nigeria	nigeria	PROPN
ejif-2086	18	10	’s	’s	PART
ejif-2086	18	11	quest	quest	NOUN
ejif-2086	18	12	for	for	ADP
ejif-2086	18	13	a	a	DET
ejif-2086	18	14	vibrant	vibrant	ADJ
ejif-2086	18	15	economy	economy	NOUN
ejif-2086	18	16	.	.	PUNCT
ejif-2086	19	1	accordingly	accordingly	ADV
ejif-2086	19	2	,	,	PUNCT
ejif-2086	19	3	the	the	DET
ejif-2086	19	4	insurance	insurance	NOUN
ejif-2086	19	5	industry	industry	NOUN
ejif-2086	19	6	witnessed	witness	VERB
ejif-2086	19	7	a	a	DET
ejif-2086	19	8	recapitalization	recapitalization	NOUN
ejif-2086	19	9	exercise	exercise	NOUN
ejif-2086	19	10	in	in	ADP
ejif-2086	19	11	2007	2007	NUM
ejif-2086	19	12	aimed	aim	VERB
ejif-2086	19	13	at	at	ADP
ejif-2086	19	14	repositioning	reposition	VERB
ejif-2086	19	15	the	the	DET
ejif-2086	19	16	sector	sector	NOUN
ejif-2086	19	17	for	for	ADP
ejif-2086	19	18	greater	great	ADJ
ejif-2086	19	19	efficiency	efficiency	NOUN
ejif-2086	19	20	and	and	CCONJ
ejif-2086	19	21	effectiveness	effectiveness	NOUN
ejif-2086	19	22	.	.	PUNCT
ejif-2086	20	1	takaful	takaful	ADJ
ejif-2086	20	2	being	be	AUX
ejif-2086	20	3	an	an	DET
ejif-2086	20	4	integral	integral	ADJ
ejif-2086	20	5	part	part	NOUN
ejif-2086	20	6	of	of	ADP
ejif-2086	20	7	the	the	DET
ejif-2086	20	8	islamic	islamic	ADJ
ejif-2086	20	9	financial	financial	ADJ
ejif-2086	20	10	system	system	NOUN
ejif-2086	20	11	is	be	AUX
ejif-2086	20	12	therefore	therefore	ADV
ejif-2086	20	13	an	an	DET
ejif-2086	20	14	important	important	ADJ
ejif-2086	20	15	component	component	NOUN
ejif-2086	20	16	that	that	PRON
ejif-2086	20	17	needs	need	VERB
ejif-2086	20	18	to	to	PART
ejif-2086	20	19	be	be	AUX
ejif-2086	20	20	captured	capture	VERB
ejif-2086	20	21	in	in	ADP
ejif-2086	20	22	this	this	DET
ejif-2086	20	23	development	development	NOUN
ejif-2086	20	24	.	.	PUNCT
ejif-2086	21	1	the	the	DET
ejif-2086	21	2	cbn	cbn	PROPN
ejif-2086	21	3	in	in	ADP
ejif-2086	21	4	2012	2012	NUM
ejif-2086	21	5	initiated	initiate	VERB
ejif-2086	21	6	the	the	DET
ejif-2086	21	7	national	national	ADJ
ejif-2086	21	8	financial	financial	ADJ
ejif-2086	21	9	inclusion	inclusion	NOUN
ejif-2086	21	10	strategy	strategy	NOUN
ejif-2086	21	11	to	to	PART
ejif-2086	21	12	serve	serve	VERB
ejif-2086	21	13	as	as	ADP
ejif-2086	21	14	a	a	DET
ejif-2086	21	15	road	road	NOUN
ejif-2086	21	16	map	map	NOUN
ejif-2086	21	17	towards	towards	ADP
ejif-2086	21	18	significantly	significantly	ADV
ejif-2086	21	19	increasing	increase	VERB
ejif-2086	21	20	the	the	DET
ejif-2086	21	21	access	access	NOUN
ejif-2086	21	22	and	and	CCONJ
ejif-2086	21	23	use	use	NOUN
ejif-2086	21	24	of	of	ADP
ejif-2086	21	25	financial	financial	ADJ
ejif-2086	21	26	services	service	NOUN
ejif-2086	21	27	by	by	ADP
ejif-2086	21	28	the	the	DET
ejif-2086	21	29	year	year	NOUN
ejif-2086	21	30	2020	2020	NUM
ejif-2086	21	31	due	due	ADP
ejif-2086	21	32	to	to	ADP
ejif-2086	21	33	the	the	DET
ejif-2086	21	34	realization	realization	NOUN
ejif-2086	21	35	of	of	ADP
ejif-2086	21	36	severe	severe	ADJ
ejif-2086	21	37	financial	financial	ADJ
ejif-2086	21	38	exclusion	exclusion	NOUN
ejif-2086	21	39	especially	especially	ADV
ejif-2086	21	40	in	in	ADP
ejif-2086	21	41	the	the	DET
ejif-2086	21	42	muslim	muslim	PROPN
ejif-2086	21	43	dominated	dominate	VERB
ejif-2086	21	44	northern	northern	ADJ
ejif-2086	21	45	region	region	NOUN
ejif-2086	22	1	[	[	X
ejif-2086	22	2	7	7	NUM
ejif-2086	22	3	]	]	PUNCT
ejif-2086	22	4	.	.	PUNCT
ejif-2086	23	1	consequently	consequently	ADV
ejif-2086	23	2	,	,	PUNCT
ejif-2086	23	3	the	the	DET
ejif-2086	23	4	national	national	PROPN
ejif-2086	23	5	insurance	insurance	PROPN
ejif-2086	23	6	commission	commission	PROPN
ejif-2086	23	7	of	of	ADP
ejif-2086	23	8	nigeria	nigeria	PROPN
ejif-2086	23	9	(	(	PUNCT
ejif-2086	23	10	naicom	naicom	X
ejif-2086	23	11	)	)	PUNCT
ejif-2086	23	12	issued	issue	VERB
ejif-2086	23	13	takaful	takaful	ADJ
ejif-2086	23	14	-	-	PUNCT
ejif-2086	23	15	insurance	insurance	NOUN
ejif-2086	23	16	operational	operational	ADJ
ejif-2086	23	17	guidelines	guideline	NOUN
ejif-2086	23	18	in	in	ADP
ejif-2086	23	19	2013	2013	NUM
ejif-2086	23	20	to	to	PART
ejif-2086	23	21	facilitate	facilitate	VERB
ejif-2086	23	22	the	the	DET
ejif-2086	23	23	development	development	NOUN
ejif-2086	23	24	of	of	ADP
ejif-2086	23	25	the	the	DET
ejif-2086	23	26	takaful	takaful	ADJ
ejif-2086	23	27	industry	industry	NOUN
ejif-2086	23	28	to	to	PART
ejif-2086	23	29	enhance	enhance	VERB
ejif-2086	23	30	financial	financial	ADJ
ejif-2086	23	31	inclusion	inclusion	NOUN
ejif-2086	23	32	.	.	PUNCT
ejif-2086	24	1	however	however	ADV
ejif-2086	24	2	,	,	PUNCT
ejif-2086	24	3	despite	despite	SCONJ
ejif-2086	24	4	the	the	DET
ejif-2086	24	5	large	large	ADJ
ejif-2086	24	6	market	market	NOUN
ejif-2086	24	7	potentials	potential	NOUN
ejif-2086	24	8	and	and	CCONJ
ejif-2086	24	9	governments	government	NOUN
ejif-2086	24	10	commitment	commitment	NOUN
ejif-2086	24	11	,	,	PUNCT
ejif-2086	24	12	the	the	DET
ejif-2086	24	13	growth	growth	NOUN
ejif-2086	24	14	of	of	ADP
ejif-2086	24	15	takaful	takaful	ADJ
ejif-2086	24	16	operations	operation	NOUN
ejif-2086	24	17	in	in	ADP
ejif-2086	24	18	nigeria	nigeria	PROPN
ejif-2086	24	19	has	have	AUX
ejif-2086	24	20	not	not	PART
ejif-2086	24	21	been	be	AUX
ejif-2086	24	22	impressive	impressive	ADJ
ejif-2086	24	23	.	.	PUNCT
ejif-2086	25	1	as	as	ADP
ejif-2086	25	2	such	such	ADJ
ejif-2086	25	3	,	,	PUNCT
ejif-2086	25	4	this	this	DET
ejif-2086	25	5	paper	paper	NOUN
ejif-2086	25	6	aims	aim	VERB
ejif-2086	25	7	at	at	ADP
ejif-2086	25	8	exploring	explore	VERB
ejif-2086	25	9	the	the	DET
ejif-2086	25	10	history	history	NOUN
ejif-2086	25	11	,	,	PUNCT
ejif-2086	25	12	present	present	ADJ
ejif-2086	25	13	status	status	NOUN
ejif-2086	25	14	as	as	ADV
ejif-2086	25	15	well	well	ADV
ejif-2086	25	16	as	as	ADP
ejif-2086	25	17	challenges	challenge	NOUN
ejif-2086	25	18	impeding	impede	VERB
ejif-2086	25	19	the	the	DET
ejif-2086	25	20	development	development	NOUN
ejif-2086	25	21	of	of	ADP
ejif-2086	25	22	takaful	takaful	ADJ
ejif-2086	25	23	industry	industry	NOUN
ejif-2086	25	24	with	with	ADP
ejif-2086	25	25	a	a	DET
ejif-2086	25	26	view	view	NOUN
ejif-2086	25	27	to	to	ADP
ejif-2086	25	28	proffering	proffer	VERB
ejif-2086	25	29	effective	effective	ADJ
ejif-2086	25	30	solutions	solution	NOUN
ejif-2086	25	31	to	to	ADP
ejif-2086	25	32	the	the	DET
ejif-2086	25	33	problems	problem	NOUN
ejif-2086	25	34	.	.	PUNCT
ejif-2086	26	1	takaful	takaful	ADJ
ejif-2086	26	2	operation	operation	NOUN
ejif-2086	26	3	in	in	ADP
ejif-2086	26	4	nigeria	nigeria	PROPN
ejif-2086	26	5	has	have	AUX
ejif-2086	26	6	not	not	PART
ejif-2086	26	7	grown	grow	VERB
ejif-2086	26	8	as	as	ADV
ejif-2086	26	9	much	much	ADJ
ejif-2086	26	10	as	as	SCONJ
ejif-2086	26	11	desired	desire	VERB
ejif-2086	26	12	considering	consider	VERB
ejif-2086	26	13	the	the	DET
ejif-2086	26	14	great	great	ADJ
ejif-2086	26	15	prospects	prospect	NOUN
ejif-2086	26	16	it	it	PRON
ejif-2086	26	17	holds	hold	VERB
ejif-2086	26	18	.	.	PUNCT
ejif-2086	27	1	despite	despite	SCONJ
ejif-2086	27	2	the	the	DET
ejif-2086	27	3	large	large	ADJ
ejif-2086	27	4	population	population	NOUN
ejif-2086	27	5	,	,	PUNCT
ejif-2086	27	6	legal	legal	ADJ
ejif-2086	27	7	provisions	provision	NOUN
ejif-2086	27	8	for	for	ADP
ejif-2086	27	9	mandatory	mandatory	ADJ
ejif-2086	27	10	insurance	insurance	NOUN
ejif-2086	27	11	in	in	ADP
ejif-2086	27	12	several	several	ADJ
ejif-2086	27	13	product	product	NOUN
ejif-2086	27	14	classes	class	NOUN
ejif-2086	27	15	and	and	CCONJ
ejif-2086	27	16	severe	severe	ADJ
ejif-2086	27	17	financial	financial	ADJ
ejif-2086	27	18	exclusion	exclusion	NOUN
ejif-2086	27	19	in	in	ADP
ejif-2086	27	20	predominantly	predominantly	ADV
ejif-2086	27	21	muslims	muslims	ADJ
ejif-2086	27	22	regions	region	NOUN
ejif-2086	27	23	,	,	PUNCT
ejif-2086	27	24	the	the	DET
ejif-2086	27	25	viability	viability	NOUN
ejif-2086	27	26	of	of	ADP
ejif-2086	27	27	takaful	takaful	NOUN
ejif-2086	27	28	has	have	AUX
ejif-2086	27	29	not	not	PART
ejif-2086	27	30	translated	translate	VERB
ejif-2086	27	31	into	into	ADP
ejif-2086	27	32	practice	practice	NOUN
ejif-2086	27	33	.	.	PUNCT
ejif-2086	28	1	the	the	DET
ejif-2086	28	2	market	market	NOUN
ejif-2086	28	3	trend	trend	NOUN
ejif-2086	28	4	shows	show	VERB
ejif-2086	28	5	an	an	DET
ejif-2086	28	6	evident	evident	ADJ
ejif-2086	28	7	apathy	apathy	NOUN
ejif-2086	28	8	for	for	ADP
ejif-2086	28	9	insurance	insurance	NOUN
ejif-2086	28	10	products	product	NOUN
ejif-2086	28	11	as	as	SCONJ
ejif-2086	28	12	policy	policy	NOUN
ejif-2086	28	13	holders	holder	NOUN
ejif-2086	28	14	comprise	comprise	VERB
ejif-2086	28	15	mainly	mainly	ADV
ejif-2086	28	16	of	of	ADP
ejif-2086	28	17	corporate	corporate	ADJ
ejif-2086	28	18	clients	client	NOUN
ejif-2086	28	19	and	and	CCONJ
ejif-2086	28	20	few	few	ADJ
ejif-2086	28	21	retail	retail	ADJ
ejif-2086	28	22	customers	customer	NOUN
ejif-2086	28	23	subscribing	subscribe	VERB
ejif-2086	28	24	to	to	ADP
ejif-2086	28	25	the	the	DET
ejif-2086	28	26	compulsory	compulsory	ADJ
ejif-2086	28	27	insurance	insurance	NOUN
ejif-2086	28	28	products	product	NOUN
ejif-2086	28	29	[	[	X
ejif-2086	28	30	13	13	NUM
ejif-2086	28	31	]	]	PUNCT
ejif-2086	28	32	.	.	PUNCT
ejif-2086	29	1	in	in	ADP
ejif-2086	29	2	-	-	PUNCT
ejif-2086	29	3	spite	spite	NOUN
ejif-2086	29	4	of	of	ADP
ejif-2086	29	5	the	the	DET
ejif-2086	29	6	numerous	numerous	ADJ
ejif-2086	29	7	indicators	indicator	NOUN
ejif-2086	29	8	suggesting	suggest	VERB
ejif-2086	29	9	nigeria	nigeria	PRON
ejif-2086	29	10	as	as	ADP
ejif-2086	29	11	a	a	DET
ejif-2086	29	12	good	good	ADJ
ejif-2086	29	13	market	market	NOUN
ejif-2086	29	14	for	for	ADP
ejif-2086	29	15	insurance	insurance	NOUN
ejif-2086	29	16	business	business	NOUN
ejif-2086	29	17	,	,	PUNCT
ejif-2086	29	18	the	the	DET
ejif-2086	29	19	huge	huge	ADJ
ejif-2086	29	20	potentials	potential	NOUN
ejif-2086	29	21	in	in	ADP
ejif-2086	29	22	the	the	DET
ejif-2086	29	23	sector	sector	NOUN
ejif-2086	29	24	remain	remain	VERB
ejif-2086	29	25	largely	largely	ADV
ejif-2086	29	26	untapped	untapped	ADJ
ejif-2086	29	27	with	with	ADP
ejif-2086	29	28	insurance	insurance	NOUN
ejif-2086	29	29	density	density	NOUN
ejif-2086	29	30	(	(	PUNCT
ejif-2086	29	31	insurance	insurance	NOUN
ejif-2086	29	32	premiums	premium	NOUN
ejif-2086	29	33	as	as	ADP
ejif-2086	29	34	a	a	DET
ejif-2086	29	35	percentage	percentage	NOUN
ejif-2086	29	36	of	of	ADP
ejif-2086	29	37	gdp	gdp	NOUN
ejif-2086	29	38	)	)	PUNCT
ejif-2086	29	39	of	of	ADP
ejif-2086	29	40	only	only	ADV
ejif-2086	29	41	about	about	ADV
ejif-2086	29	42	0.225	0.225	NUM
ejif-2086	29	43	%	%	NOUN
ejif-2086	29	44	in	in	ADP
ejif-2086	29	45	2015	2015	NUM
ejif-2086	29	46	[	[	X
ejif-2086	29	47	23	23	NUM
ejif-2086	29	48	]	]	PUNCT
ejif-2086	29	49	.	.	PUNCT
ejif-2086	30	1	similarly	similarly	ADV
ejif-2086	30	2	,	,	PUNCT
ejif-2086	30	3	gross	gross	ADJ
ejif-2086	30	4	written	write	VERB
ejif-2086	30	5	premiums	premium	NOUN
ejif-2086	30	6	in	in	ADP
ejif-2086	30	7	the	the	DET
ejif-2086	30	8	country	country	NOUN
ejif-2086	30	9	in	in	ADP
ejif-2086	30	10	the	the	DET
ejif-2086	30	11	year	year	NOUN
ejif-2086	30	12	2015	2015	NUM
ejif-2086	30	13	was	be	AUX
ejif-2086	30	14	worth	worth	ADJ
ejif-2086	30	15	less	less	ADJ
ejif-2086	30	16	than	than	ADP
ejif-2086	30	17	1	1	NUM
ejif-2086	30	18	%	%	NOUN
ejif-2086	30	19	of	of	ADP
ejif-2086	30	20	gdp	gdp	NOUN
ejif-2086	31	1	[	[	X
ejif-2086	31	2	26	26	NUM
ejif-2086	31	3	]	]	X
ejif-2086	31	4	,	,	PUNCT
ejif-2086	31	5	a	a	DET
ejif-2086	31	6	huge	huge	ADJ
ejif-2086	31	7	chunk	chunk	NOUN
ejif-2086	31	8	of	of	ADP
ejif-2086	31	9	which	which	PRON
ejif-2086	31	10	were	be	AUX
ejif-2086	31	11	from	from	ADP
ejif-2086	31	12	the	the	DET
ejif-2086	31	13	south	south	ADJ
ejif-2086	31	14	mailto:borhanseti@gmail.com	mailto:borhanseti@gmail.com	NOUN
ejif-2086	31	15	ejif	ejif	NOUN
ejif-2086	31	16	–	–	PUNCT
ejif-2086	31	17	european	european	PROPN
ejif-2086	31	18	journal	journal	PROPN
ejif-2086	31	19	of	of	ADP
ejif-2086	31	20	islamic	islamic	PROPN
ejif-2086	31	21	finance	finance	PROPN
ejif-2086	31	22	no8	no8	PROPN
ejif-2086	31	23	,	,	PUNCT
ejif-2086	31	24	december	december	PROPN
ejif-2086	31	25	(	(	PUNCT
ejif-2086	31	26	2017	2017	NUM
ejif-2086	31	27	)	)	PUNCT
ejif-2086	32	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	32	2	issn	issn	VERB
ejif-2086	32	3	2421	2421	NUM
ejif-2086	32	4	-	-	SYM
ejif-2086	32	5	2172	2172	NUM
ejif-2086	32	6	2	2	NUM
ejif-2086	32	7	west	west	NOUN
ejif-2086	32	8	region	region	NOUN
ejif-2086	32	9	,	,	PUNCT
ejif-2086	32	10	specifically	specifically	ADV
ejif-2086	32	11	lagos	lagos	NOUN
ejif-2086	32	12	state	state	NOUN
ejif-2086	32	13	leaving	leave	VERB
ejif-2086	32	14	out	out	ADP
ejif-2086	32	15	the	the	DET
ejif-2086	32	16	muslim	muslim	PROPN
ejif-2086	32	17	dominated	dominate	VERB
ejif-2086	32	18	northern	northern	ADJ
ejif-2086	32	19	region	region	NOUN
ejif-2086	32	20	with	with	ADP
ejif-2086	32	21	barely	barely	ADV
ejif-2086	32	22	any	any	DET
ejif-2086	32	23	form	form	NOUN
ejif-2086	32	24	of	of	ADP
ejif-2086	32	25	insurance	insurance	NOUN
ejif-2086	32	26	services	service	NOUN
ejif-2086	32	27	.	.	PUNCT
ejif-2086	33	1	this	this	PRON
ejif-2086	33	2	ought	ought	AUX
ejif-2086	33	3	not	not	PART
ejif-2086	33	4	be	be	AUX
ejif-2086	33	5	the	the	DET
ejif-2086	33	6	case	case	NOUN
ejif-2086	33	7	almost	almost	ADV
ejif-2086	33	8	15	15	NUM
ejif-2086	33	9	years	year	NOUN
ejif-2086	33	10	after	after	ADP
ejif-2086	33	11	the	the	DET
ejif-2086	33	12	introduction	introduction	NOUN
ejif-2086	33	13	of	of	ADP
ejif-2086	33	14	takaful	takaful	ADJ
ejif-2086	33	15	operations	operation	NOUN
ejif-2086	33	16	in	in	ADP
ejif-2086	33	17	the	the	DET
ejif-2086	33	18	country	country	NOUN
ejif-2086	33	19	in	in	ADP
ejif-2086	33	20	2004	2004	NUM
ejif-2086	33	21	.	.	PUNCT
ejif-2086	34	1	moreover	moreover	ADV
ejif-2086	34	2	,	,	PUNCT
ejif-2086	34	3	only	only	ADV
ejif-2086	34	4	one	one	NUM
ejif-2086	34	5	(	(	PUNCT
ejif-2086	34	6	1	1	NUM
ejif-2086	34	7	)	)	PUNCT
ejif-2086	34	8	takaful	takaful	ADJ
ejif-2086	34	9	subsidiary	subsidiary	NOUN
ejif-2086	34	10	,	,	PUNCT
ejif-2086	34	11	two	two	NUM
ejif-2086	34	12	(	(	PUNCT
ejif-2086	34	13	2	2	NUM
ejif-2086	34	14	)	)	PUNCT
ejif-2086	34	15	windows	window	NOUN
ejif-2086	34	16	and	and	CCONJ
ejif-2086	34	17	a	a	DET
ejif-2086	34	18	recently	recently	ADV
ejif-2086	34	19	licenced	licence	VERB
ejif-2086	34	20	full	full	ADJ
ejif-2086	34	21	-	-	PUNCT
ejif-2086	34	22	fledged	fledged	ADJ
ejif-2086	34	23	takaful	takaful	ADJ
ejif-2086	34	24	operator	operator	NOUN
ejif-2086	34	25	are	be	AUX
ejif-2086	34	26	in	in	ADP
ejif-2086	34	27	the	the	DET
ejif-2086	34	28	market	market	NOUN
ejif-2086	34	29	uptil	uptil	NOUN
ejif-2086	34	30	now	now	ADV
ejif-2086	34	31	.	.	PUNCT
ejif-2086	35	1	this	this	DET
ejif-2086	35	2	ugly	ugly	ADJ
ejif-2086	35	3	scenario	scenario	NOUN
ejif-2086	35	4	deserves	deserve	VERB
ejif-2086	35	5	to	to	PART
ejif-2086	35	6	be	be	AUX
ejif-2086	35	7	explored	explore	VERB
ejif-2086	35	8	to	to	PART
ejif-2086	35	9	assess	assess	VERB
ejif-2086	35	10	the	the	DET
ejif-2086	35	11	situation	situation	NOUN
ejif-2086	35	12	and	and	CCONJ
ejif-2086	35	13	identify	identify	VERB
ejif-2086	35	14	the	the	DET
ejif-2086	35	15	major	major	ADJ
ejif-2086	35	16	problems	problem	NOUN
ejif-2086	35	17	being	be	AUX
ejif-2086	35	18	encountered	encounter	VERB
ejif-2086	35	19	so	so	ADV
ejif-2086	35	20	far	far	ADV
ejif-2086	35	21	with	with	ADP
ejif-2086	35	22	a	a	DET
ejif-2086	35	23	view	view	NOUN
ejif-2086	35	24	to	to	ADP
ejif-2086	35	25	unlocking	unlock	VERB
ejif-2086	35	26	the	the	DET
ejif-2086	35	27	great	great	ADJ
ejif-2086	35	28	prospects	prospect	NOUN
ejif-2086	35	29	that	that	PRON
ejif-2086	35	30	remain	remain	VERB
ejif-2086	35	31	untapped	untapped	ADJ
ejif-2086	35	32	in	in	ADP
ejif-2086	35	33	the	the	DET
ejif-2086	35	34	nigerian	nigerian	ADJ
ejif-2086	35	35	takaful	takaful	ADJ
ejif-2086	35	36	industry	industry	NOUN
ejif-2086	35	37	.	.	PUNCT
ejif-2086	36	1	this	this	DET
ejif-2086	36	2	study	study	NOUN
ejif-2086	36	3	was	be	AUX
ejif-2086	36	4	necessitated	necessitate	VERB
ejif-2086	36	5	by	by	ADP
ejif-2086	36	6	the	the	DET
ejif-2086	36	7	apparent	apparent	ADJ
ejif-2086	36	8	lack	lack	NOUN
ejif-2086	36	9	of	of	ADP
ejif-2086	36	10	scholarly	scholarly	ADJ
ejif-2086	36	11	literature	literature	NOUN
ejif-2086	36	12	on	on	ADP
ejif-2086	36	13	takaful	takaful	ADJ
ejif-2086	36	14	operations	operation	NOUN
ejif-2086	36	15	in	in	ADP
ejif-2086	36	16	nigeria	nigeria	PROPN
ejif-2086	36	17	.	.	PUNCT
ejif-2086	37	1	it	it	PRON
ejif-2086	37	2	aims	aim	VERB
ejif-2086	37	3	to	to	PART
ejif-2086	37	4	arouse	arouse	VERB
ejif-2086	37	5	peoples	people	NOUN
ejif-2086	37	6	’	’	PART
ejif-2086	37	7	curiosity	curiosity	NOUN
ejif-2086	37	8	thereby	thereby	ADV
ejif-2086	37	9	initiating	initiate	VERB
ejif-2086	37	10	much	much	ADV
ejif-2086	37	11	needed	need	VERB
ejif-2086	37	12	brains	brain	NOUN
ejif-2086	37	13	-	-	PUNCT
ejif-2086	37	14	storming	storm	VERB
ejif-2086	37	15	on	on	ADP
ejif-2086	37	16	the	the	DET
ejif-2086	37	17	reasons	reason	NOUN
ejif-2086	37	18	and	and	CCONJ
ejif-2086	37	19	solutions	solution	NOUN
ejif-2086	37	20	for	for	ADP
ejif-2086	37	21	the	the	DET
ejif-2086	37	22	slow	slow	ADJ
ejif-2086	37	23	growth	growth	NOUN
ejif-2086	37	24	with	with	ADP
ejif-2086	37	25	a	a	DET
ejif-2086	37	26	view	view	NOUN
ejif-2086	37	27	to	to	ADP
ejif-2086	37	28	facilitating	facilitate	VERB
ejif-2086	37	29	rapid	rapid	ADJ
ejif-2086	37	30	development	development	NOUN
ejif-2086	37	31	of	of	ADP
ejif-2086	37	32	takaful	takaful	ADJ
ejif-2086	37	33	operations	operation	NOUN
ejif-2086	37	34	in	in	ADP
ejif-2086	37	35	the	the	DET
ejif-2086	37	36	nigeria	nigeria	PROPN
ejif-2086	37	37	.	.	PUNCT
ejif-2086	38	1	moreover	moreover	ADV
ejif-2086	38	2	,	,	PUNCT
ejif-2086	38	3	takaful	takaful	ADJ
ejif-2086	38	4	operations	operation	NOUN
ejif-2086	38	5	in	in	ADP
ejif-2086	38	6	nigeria	nigeria	PROPN
ejif-2086	38	7	is	be	AUX
ejif-2086	38	8	an	an	DET
ejif-2086	38	9	interesting	interesting	ADJ
ejif-2086	38	10	topic	topic	NOUN
ejif-2086	38	11	because	because	SCONJ
ejif-2086	38	12	takaful	takaful	ADJ
ejif-2086	38	13	operators	operator	NOUN
ejif-2086	38	14	carried	carry	VERB
ejif-2086	38	15	out	out	ADP
ejif-2086	38	16	their	their	PRON
ejif-2086	38	17	activities	activity	NOUN
ejif-2086	38	18	without	without	ADP
ejif-2086	38	19	any	any	DET
ejif-2086	38	20	specific	specific	ADJ
ejif-2086	38	21	legal	legal	ADJ
ejif-2086	38	22	framework	framework	NOUN
ejif-2086	38	23	guiding	guide	VERB
ejif-2086	38	24	their	their	PRON
ejif-2086	38	25	operations	operation	NOUN
ejif-2086	38	26	for	for	ADP
ejif-2086	38	27	the	the	DET
ejif-2086	38	28	entire	entire	ADJ
ejif-2086	38	29	first	first	ADJ
ejif-2086	38	30	decade	decade	NOUN
ejif-2086	38	31	of	of	ADP
ejif-2086	38	32	their	their	PRON
ejif-2086	38	33	existence	existence	NOUN
ejif-2086	38	34	.	.	PUNCT
ejif-2086	39	1	as	as	ADP
ejif-2086	39	2	such	such	ADJ
ejif-2086	39	3	,	,	PUNCT
ejif-2086	39	4	it	it	PRON
ejif-2086	39	5	is	be	AUX
ejif-2086	39	6	important	important	ADJ
ejif-2086	39	7	to	to	PART
ejif-2086	39	8	review	review	VERB
ejif-2086	39	9	the	the	DET
ejif-2086	39	10	takaful	takaful	ADJ
ejif-2086	39	11	operations	operation	NOUN
ejif-2086	39	12	now	now	ADV
ejif-2086	39	13	that	that	SCONJ
ejif-2086	39	14	some	some	DET
ejif-2086	39	15	regulatory	regulatory	ADJ
ejif-2086	39	16	guidelines	guideline	NOUN
ejif-2086	39	17	have	have	AUX
ejif-2086	39	18	been	be	AUX
ejif-2086	39	19	in	in	ADP
ejif-2086	39	20	place	place	NOUN
ejif-2086	39	21	for	for	ADP
ejif-2086	39	22	about	about	ADV
ejif-2086	39	23	four	four	NUM
ejif-2086	39	24	(	(	PUNCT
ejif-2086	39	25	4	4	NUM
ejif-2086	39	26	)	)	PUNCT
ejif-2086	39	27	years	year	NOUN
ejif-2086	39	28	.	.	PUNCT
ejif-2086	40	1	research	research	NOUN
ejif-2086	40	2	objectives	objective	NOUN
ejif-2086	40	3			PRON
ejif-2086	40	4	to	to	PART
ejif-2086	40	5	provide	provide	VERB
ejif-2086	40	6	a	a	DET
ejif-2086	40	7	basic	basic	ADJ
ejif-2086	40	8	explanation	explanation	NOUN
ejif-2086	40	9	of	of	ADP
ejif-2086	40	10	the	the	DET
ejif-2086	40	11	nature	nature	NOUN
ejif-2086	40	12	of	of	ADP
ejif-2086	40	13	takaful	takaful	ADJ
ejif-2086	40	14	operations	operation	NOUN
ejif-2086	40	15			NOUN
ejif-2086	40	16	to	to	PART
ejif-2086	40	17	present	present	VERB
ejif-2086	40	18	an	an	DET
ejif-2086	40	19	overview	overview	NOUN
ejif-2086	40	20	of	of	ADP
ejif-2086	40	21	the	the	DET
ejif-2086	40	22	history	history	NOUN
ejif-2086	40	23	and	and	CCONJ
ejif-2086	40	24	current	current	ADJ
ejif-2086	40	25	-	-	PUNCT
ejif-2086	40	26	status	status	NOUN
ejif-2086	40	27	of	of	ADP
ejif-2086	40	28	takaful	takaful	ADJ
ejif-2086	40	29	operations	operation	NOUN
ejif-2086	40	30	in	in	ADP
ejif-2086	40	31	nigeria	nigeria	PROPN
ejif-2086	40	32			NOUN
ejif-2086	40	33	to	to	PART
ejif-2086	40	34	analyse	analyse	VERB
ejif-2086	40	35	the	the	DET
ejif-2086	40	36	problems	problem	NOUN
ejif-2086	40	37	hindering	hinder	VERB
ejif-2086	40	38	rapid	rapid	ADJ
ejif-2086	40	39	development	development	NOUN
ejif-2086	40	40	of	of	ADP
ejif-2086	40	41	takaful	takaful	NOUN
ejif-2086	40	42	in	in	ADP
ejif-2086	40	43	nigeria	nigeria	PROPN
ejif-2086	40	44	with	with	ADP
ejif-2086	40	45	emphasis	emphasis	NOUN
ejif-2086	40	46	on	on	ADP
ejif-2086	40	47	evident	evident	ADJ
ejif-2086	40	48	legal	legal	ADJ
ejif-2086	40	49	flaws	flaw	NOUN
ejif-2086	40	50	in	in	ADP
ejif-2086	40	51	the	the	DET
ejif-2086	40	52	regulations	regulation	NOUN
ejif-2086	40	53	the	the	DET
ejif-2086	40	54	research	research	NOUN
ejif-2086	40	55	is	be	AUX
ejif-2086	40	56	important	important	ADJ
ejif-2086	40	57	in	in	ADP
ejif-2086	40	58	furtherance	furtherance	NOUN
ejif-2086	40	59	of	of	ADP
ejif-2086	40	60	the	the	DET
ejif-2086	40	61	development	development	NOUN
ejif-2086	40	62	of	of	ADP
ejif-2086	40	63	awareness	awareness	NOUN
ejif-2086	40	64	for	for	ADP
ejif-2086	40	65	takaful	takaful	ADJ
ejif-2086	40	66	operations	operation	NOUN
ejif-2086	40	67	among	among	ADP
ejif-2086	40	68	the	the	DET
ejif-2086	40	69	general	general	ADJ
ejif-2086	40	70	populace	populace	NOUN
ejif-2086	40	71	in	in	ADP
ejif-2086	40	72	nigeria	nigeria	PROPN
ejif-2086	40	73	.	.	PUNCT
ejif-2086	41	1	the	the	DET
ejif-2086	41	2	research	research	NOUN
ejif-2086	41	3	is	be	AUX
ejif-2086	41	4	also	also	ADV
ejif-2086	41	5	important	important	ADJ
ejif-2086	41	6	to	to	ADP
ejif-2086	41	7	the	the	DET
ejif-2086	41	8	government	government	NOUN
ejif-2086	41	9	agency	agency	NOUN
ejif-2086	41	10	in	in	ADP
ejif-2086	41	11	charge	charge	NOUN
ejif-2086	41	12	of	of	ADP
ejif-2086	41	13	regulating	regulate	VERB
ejif-2086	41	14	the	the	DET
ejif-2086	41	15	operations	operation	NOUN
ejif-2086	41	16	takaful	takaful	ADJ
ejif-2086	41	17	in	in	ADP
ejif-2086	41	18	understanding	understand	VERB
ejif-2086	41	19	the	the	DET
ejif-2086	41	20	reasons	reason	NOUN
ejif-2086	41	21	behind	behind	ADP
ejif-2086	41	22	the	the	DET
ejif-2086	41	23	slow	slow	ADJ
ejif-2086	41	24	development	development	NOUN
ejif-2086	41	25	of	of	ADP
ejif-2086	41	26	the	the	DET
ejif-2086	41	27	sector	sector	NOUN
ejif-2086	41	28	despite	despite	SCONJ
ejif-2086	41	29	its	its	PRON
ejif-2086	41	30	potentials	potential	NOUN
ejif-2086	41	31	considering	consider	VERB
ejif-2086	41	32	impressive	impressive	ADJ
ejif-2086	41	33	performance	performance	NOUN
ejif-2086	41	34	it	it	PRON
ejif-2086	41	35	has	have	AUX
ejif-2086	41	36	recorded	record	VERB
ejif-2086	41	37	in	in	ADP
ejif-2086	41	38	other	other	ADJ
ejif-2086	41	39	jurisdictions	jurisdiction	NOUN
ejif-2086	41	40	.	.	PUNCT
ejif-2086	42	1	similarly	similarly	ADV
ejif-2086	42	2	,	,	PUNCT
ejif-2086	42	3	the	the	DET
ejif-2086	42	4	research	research	NOUN
ejif-2086	42	5	is	be	AUX
ejif-2086	42	6	important	important	ADJ
ejif-2086	42	7	to	to	ADP
ejif-2086	42	8	takaful	takaful	ADJ
ejif-2086	42	9	operator	operator	NOUN
ejif-2086	42	10	in	in	ADP
ejif-2086	42	11	having	have	VERB
ejif-2086	42	12	a	a	DET
ejif-2086	42	13	better	well	ADJ
ejif-2086	42	14	understanding	understanding	NOUN
ejif-2086	42	15	of	of	ADP
ejif-2086	42	16	the	the	DET
ejif-2086	42	17	environment	environment	NOUN
ejif-2086	42	18	in	in	ADP
ejif-2086	42	19	which	which	PRON
ejif-2086	42	20	they	they	PRON
ejif-2086	42	21	operate	operate	VERB
ejif-2086	42	22	to	to	PART
ejif-2086	42	23	guide	guide	VERB
ejif-2086	42	24	them	they	PRON
ejif-2086	42	25	in	in	ADP
ejif-2086	42	26	making	make	VERB
ejif-2086	42	27	sound	sound	ADJ
ejif-2086	42	28	decisions	decision	NOUN
ejif-2086	42	29	that	that	PRON
ejif-2086	42	30	will	will	AUX
ejif-2086	42	31	promote	promote	VERB
ejif-2086	42	32	their	their	PRON
ejif-2086	42	33	services	service	NOUN
ejif-2086	42	34	.	.	PUNCT
ejif-2086	43	1	most	most	ADV
ejif-2086	43	2	importantly	importantly	ADV
ejif-2086	43	3	,	,	PUNCT
ejif-2086	43	4	this	this	DET
ejif-2086	43	5	research	research	NOUN
ejif-2086	43	6	highlights	highlight	NOUN
ejif-2086	43	7	legal	legal	ADJ
ejif-2086	43	8	and	and	CCONJ
ejif-2086	43	9	other	other	ADJ
ejif-2086	43	10	issues	issue	NOUN
ejif-2086	43	11	hindering	hinder	VERB
ejif-2086	43	12	the	the	DET
ejif-2086	43	13	development	development	NOUN
ejif-2086	43	14	of	of	ADP
ejif-2086	43	15	takaful	takaful	NOUN
ejif-2086	43	16	in	in	ADP
ejif-2086	43	17	nigeria	nigeria	PROPN
ejif-2086	43	18	with	with	ADP
ejif-2086	43	19	recommendations	recommendation	NOUN
ejif-2086	43	20	for	for	ADP
ejif-2086	43	21	a	a	DET
ejif-2086	43	22	way	way	NOUN
ejif-2086	43	23	out	out	ADV
ejif-2086	43	24	.	.	PUNCT
ejif-2086	44	1	2	2	X
ejif-2086	44	2	.	.	X
ejif-2086	44	3	overview	overview	NOUN
ejif-2086	44	4	of	of	ADP
ejif-2086	44	5	takaful	takaful	ADJ
ejif-2086	44	6	2.1	2.1	NUM
ejif-2086	44	7	definition	definition	NOUN
ejif-2086	44	8	and	and	CCONJ
ejif-2086	44	9	general	general	ADJ
ejif-2086	44	10	overview	overview	NOUN
ejif-2086	44	11	of	of	ADP
ejif-2086	44	12	takaful	takaful	ADJ
ejif-2086	44	13	takaful	takaful	NOUN
ejif-2086	44	14	is	be	AUX
ejif-2086	44	15	an	an	DET
ejif-2086	44	16	arabic	arabic	ADJ
ejif-2086	44	17	word	word	NOUN
ejif-2086	44	18	derived	derive	VERB
ejif-2086	44	19	from	from	ADP
ejif-2086	44	20	the	the	DET
ejif-2086	44	21	word	word	NOUN
ejif-2086	44	22	kafala	kafala	NOUN
ejif-2086	44	23	.	.	PUNCT
ejif-2086	45	1	basically	basically	ADV
ejif-2086	45	2	,	,	PUNCT
ejif-2086	45	3	takaful	takaful	ADJ
ejif-2086	45	4	refers	refer	VERB
ejif-2086	45	5	to	to	ADP
ejif-2086	45	6	an	an	DET
ejif-2086	45	7	arrangement	arrangement	NOUN
ejif-2086	45	8	of	of	ADP
ejif-2086	45	9	joint	joint	ADJ
ejif-2086	45	10	guarantee	guarantee	NOUN
ejif-2086	45	11	by	by	ADP
ejif-2086	45	12	a	a	DET
ejif-2086	45	13	group	group	NOUN
ejif-2086	45	14	of	of	ADP
ejif-2086	45	15	participants	participant	NOUN
ejif-2086	45	16	based	base	VERB
ejif-2086	45	17	on	on	ADP
ejif-2086	45	18	mutual	mutual	ADJ
ejif-2086	45	19	-	-	PUNCT
ejif-2086	45	20	agreement	agreement	NOUN
ejif-2086	45	21	to	to	PART
ejif-2086	45	22	indemnify	indemnify	VERB
ejif-2086	45	23	one	one	NUM
ejif-2086	45	24	another	another	DET
ejif-2086	45	25	in	in	ADP
ejif-2086	45	26	the	the	DET
ejif-2086	45	27	event	event	NOUN
ejif-2086	45	28	of	of	ADP
ejif-2086	45	29	a	a	DET
ejif-2086	45	30	defined	define	VERB
ejif-2086	45	31	loss	loss	NOUN
ejif-2086	45	32	.	.	PUNCT
ejif-2086	46	1	investopedia	investopedia	PROPN
ejif-2086	46	2	website	website	NOUN
ejif-2086	46	3	defines	define	VERB
ejif-2086	46	4	takaful	takaful	ADJ
ejif-2086	46	5	as	as	ADP
ejif-2086	46	6	islamic	islamic	ADJ
ejif-2086	46	7	insurance	insurance	NOUN
ejif-2086	46	8	which	which	PRON
ejif-2086	46	9	entails	entail	VERB
ejif-2086	46	10	members	member	NOUN
ejif-2086	46	11	contributing	contribute	VERB
ejif-2086	46	12	money	money	NOUN
ejif-2086	46	13	into	into	ADP
ejif-2086	46	14	a	a	DET
ejif-2086	46	15	pool	pool	NOUN
ejif-2086	46	16	of	of	ADP
ejif-2086	46	17	funds	fund	NOUN
ejif-2086	46	18	to	to	PART
ejif-2086	46	19	be	be	AUX
ejif-2086	46	20	utilized	utilize	VERB
ejif-2086	46	21	in	in	ADP
ejif-2086	46	22	mutually	mutually	ADV
ejif-2086	46	23	guaranteeing	guarantee	VERB
ejif-2086	46	24	members	member	NOUN
ejif-2086	46	25	against	against	ADP
ejif-2086	46	26	loss	loss	NOUN
ejif-2086	46	27	or	or	CCONJ
ejif-2086	46	28	damage	damage	NOUN
ejif-2086	46	29	[	[	X
ejif-2086	46	30	14	14	NUM
ejif-2086	46	31	]	]	PUNCT
ejif-2086	46	32	.	.	PUNCT
ejif-2086	47	1	takaful	takaful	ADJ
ejif-2086	47	2	concept	concept	NOUN
ejif-2086	47	3	is	be	AUX
ejif-2086	47	4	based	base	VERB
ejif-2086	47	5	on	on	ADP
ejif-2086	47	6	shariah	shariah	PROPN
ejif-2086	47	7	provisions	provision	NOUN
ejif-2086	47	8	aimed	aim	VERB
ejif-2086	47	9	at	at	ADP
ejif-2086	47	10	fulfilling	fulfil	VERB
ejif-2086	47	11	the	the	DET
ejif-2086	47	12	responsibility	responsibility	NOUN
ejif-2086	47	13	of	of	ADP
ejif-2086	47	14	individuals	individual	NOUN
ejif-2086	47	15	in	in	ADP
ejif-2086	47	16	cooperating	cooperate	VERB
ejif-2086	47	17	to	to	PART
ejif-2086	47	18	protect	protect	VERB
ejif-2086	47	19	one	one	NUM
ejif-2086	47	20	another	another	DET
ejif-2086	47	21	.	.	PUNCT
ejif-2086	48	1	according	accord	VERB
ejif-2086	48	2	to	to	ADP
ejif-2086	48	3	the	the	DET
ejif-2086	48	4	accounting	accounting	NOUN
ejif-2086	48	5	and	and	CCONJ
ejif-2086	48	6	auditing	auditing	NOUN
ejif-2086	48	7	organisation	organisation	NOUN
ejif-2086	48	8	for	for	ADP
ejif-2086	48	9	islamic	islamic	ADJ
ejif-2086	48	10	financial	financial	ADJ
ejif-2086	48	11	institutions	institution	NOUN
ejif-2086	48	12	(	(	PUNCT
ejif-2086	48	13	aaoifi	aaoifi	NOUN
ejif-2086	48	14	)	)	PUNCT
ejif-2086	48	15	,	,	PUNCT
ejif-2086	48	16	takaful	takaful	ADJ
ejif-2086	48	17	otherwise	otherwise	ADV
ejif-2086	48	18	called	call	VERB
ejif-2086	48	19	islamic	islamic	ADJ
ejif-2086	48	20	insurance	insurance	NOUN
ejif-2086	48	21	is	be	AUX
ejif-2086	48	22	an	an	DET
ejif-2086	48	23	arrangement	arrangement	NOUN
ejif-2086	48	24	whereby	whereby	SCONJ
ejif-2086	48	25	a	a	DET
ejif-2086	48	26	group	group	NOUN
ejif-2086	48	27	of	of	ADP
ejif-2086	48	28	persons	person	NOUN
ejif-2086	48	29	undertake	undertake	VERB
ejif-2086	48	30	to	to	PART
ejif-2086	48	31	manage	manage	VERB
ejif-2086	48	32	injuries	injury	NOUN
ejif-2086	48	33	resulting	result	VERB
ejif-2086	48	34	from	from	ADP
ejif-2086	48	35	a	a	DET
ejif-2086	48	36	specified	specify	VERB
ejif-2086	48	37	to	to	PART
ejif-2086	48	38	risk	risk	VERB
ejif-2086	48	39	to	to	PART
ejif-2086	48	40	which	which	PRON
ejif-2086	48	41	all	all	DET
ejif-2086	48	42	members	member	NOUN
ejif-2086	48	43	of	of	ADP
ejif-2086	48	44	the	the	DET
ejif-2086	48	45	group	group	NOUN
ejif-2086	48	46	are	be	AUX
ejif-2086	48	47	vulnerable	vulnerable	ADJ
ejif-2086	48	48	.	.	PUNCT
ejif-2086	49	1	to	to	PART
ejif-2086	49	2	facilitate	facilitate	VERB
ejif-2086	49	3	this	this	DET
ejif-2086	49	4	arrangement	arrangement	NOUN
ejif-2086	49	5	,	,	PUNCT
ejif-2086	49	6	members	member	NOUN
ejif-2086	49	7	of	of	ADP
ejif-2086	49	8	the	the	DET
ejif-2086	49	9	group	group	NOUN
ejif-2086	49	10	donate	donate	VERB
ejif-2086	49	11	in	in	ADP
ejif-2086	49	12	form	form	NOUN
ejif-2086	49	13	of	of	ADP
ejif-2086	49	14	contribution	contribution	NOUN
ejif-2086	49	15	to	to	PART
ejif-2086	49	16	establish	establish	VERB
ejif-2086	49	17	a	a	DET
ejif-2086	49	18	common	common	ADJ
ejif-2086	49	19	insurance	insurance	NOUN
ejif-2086	49	20	fund	fund	NOUN
ejif-2086	49	21	as	as	ADP
ejif-2086	49	22	a	a	DET
ejif-2086	49	23	legal	legal	ADJ
ejif-2086	49	24	entity	entity	NOUN
ejif-2086	49	25	with	with	ADP
ejif-2086	49	26	independent	independent	ADJ
ejif-2086	49	27	financial	financial	ADJ
ejif-2086	49	28	liability	liability	NOUN
ejif-2086	49	29	to	to	PART
ejif-2086	49	30	be	be	AUX
ejif-2086	49	31	utilized	utilize	VERB
ejif-2086	49	32	in	in	ADP
ejif-2086	49	33	indemnifying	indemnify	VERB
ejif-2086	49	34	participants	participant	NOUN
ejif-2086	49	35	in	in	ADP
ejif-2086	49	36	the	the	DET
ejif-2086	49	37	event	event	NOUN
ejif-2086	49	38	of	of	ADP
ejif-2086	49	39	injury	injury	NOUN
ejif-2086	49	40	subject	subject	ADJ
ejif-2086	49	41	to	to	ADP
ejif-2086	49	42	certain	certain	ADJ
ejif-2086	49	43	stipulated	stipulate	VERB
ejif-2086	49	44	conditions	condition	NOUN
ejif-2086	49	45	.	.	PUNCT
ejif-2086	50	1	in	in	ADP
ejif-2086	50	2	carrying	carry	VERB
ejif-2086	50	3	out	out	ADP
ejif-2086	50	4	this	this	DET
ejif-2086	50	5	task	task	NOUN
ejif-2086	50	6	,	,	PUNCT
ejif-2086	50	7	the	the	DET
ejif-2086	50	8	fund	fund	NOUN
ejif-2086	50	9	is	be	AUX
ejif-2086	50	10	managed	manage	VERB
ejif-2086	50	11	by	by	ADP
ejif-2086	50	12	a	a	DET
ejif-2086	50	13	group	group	NOUN
ejif-2086	50	14	of	of	ADP
ejif-2086	50	15	the	the	DET
ejif-2086	50	16	participants	participant	NOUN
ejif-2086	50	17	or	or	CCONJ
ejif-2086	50	18	a	a	DET
ejif-2086	50	19	joint	joint	ADJ
ejif-2086	50	20	stock	stock	NOUN
ejif-2086	50	21	company	company	NOUN
ejif-2086	50	22	that	that	PRON
ejif-2086	50	23	manages	manage	VERB
ejif-2086	50	24	the	the	DET
ejif-2086	50	25	fund	fund	NOUN
ejif-2086	50	26	for	for	ADP
ejif-2086	50	27	a	a	DET
ejif-2086	50	28	specific	specific	ADJ
ejif-2086	50	29	fee	fee	NOUN
ejif-2086	50	30	[	[	X
ejif-2086	50	31	1	1	NUM
ejif-2086	50	32	]	]	PUNCT
ejif-2086	50	33	.	.	PUNCT
ejif-2086	51	1	similarly	similarly	ADV
ejif-2086	51	2	,	,	PUNCT
ejif-2086	51	3	the	the	DET
ejif-2086	51	4	national	national	PROPN
ejif-2086	51	5	insurance	insurance	PROPN
ejif-2086	51	6	commission	commission	PROPN
ejif-2086	51	7	of	of	ADP
ejif-2086	51	8	nigeria	nigeria	PROPN
ejif-2086	51	9	(	(	PUNCT
ejif-2086	51	10	naicom	naicom	PROPN
ejif-2086	51	11	)	)	PUNCT
ejif-2086	51	12	defines	define	VERB
ejif-2086	51	13	takaful	takaful	ADJ
ejif-2086	51	14	-	-	PUNCT
ejif-2086	51	15	insurance	insurance	NOUN
ejif-2086	51	16	as	as	ADP
ejif-2086	51	17	a	a	DET
ejif-2086	51	18	form	form	NOUN
ejif-2086	51	19	of	of	ADP
ejif-2086	51	20	insurance	insurance	NOUN
ejif-2086	51	21	that	that	PRON
ejif-2086	51	22	is	be	AUX
ejif-2086	51	23	compatible	compatible	ADJ
ejif-2086	51	24	with	with	ADP
ejif-2086	51	25	shariah	shariah	PROPN
ejif-2086	51	26	provisions	provision	NOUN
ejif-2086	51	27	based	base	VERB
ejif-2086	51	28	on	on	ADP
ejif-2086	51	29	the	the	DET
ejif-2086	51	30	principles	principle	NOUN
ejif-2086	51	31	of	of	ADP
ejif-2086	51	32	tabarru	tabarru	NOUN
ejif-2086	51	33	(	(	PUNCT
ejif-2086	51	34	donation	donation	NOUN
ejif-2086	51	35	/	/	SYM
ejif-2086	51	36	contribution	contribution	NOUN
ejif-2086	51	37	)	)	PUNCT
ejif-2086	51	38	and	and	CCONJ
ejif-2086	51	39	ta’awun	ta’awun	X
ejif-2086	51	40	(	(	PUNCT
ejif-2086	51	41	cooperation	cooperation	NOUN
ejif-2086	51	42	)	)	PUNCT
ejif-2086	52	1	[	[	X
ejif-2086	52	2	17	17	NUM
ejif-2086	52	3	]	]	PUNCT
ejif-2086	52	4	.	.	PUNCT
ejif-2086	53	1	the	the	DET
ejif-2086	53	2	development	development	NOUN
ejif-2086	53	3	of	of	ADP
ejif-2086	53	4	takaful	takaful	ADJ
ejif-2086	53	5	became	become	VERB
ejif-2086	53	6	necessary	necessary	ADJ
ejif-2086	53	7	in	in	ADP
ejif-2086	53	8	view	view	NOUN
ejif-2086	53	9	of	of	ADP
ejif-2086	53	10	the	the	DET
ejif-2086	53	11	gross	gross	ADJ
ejif-2086	53	12	violations	violation	NOUN
ejif-2086	53	13	of	of	ADP
ejif-2086	53	14	shariah	shariah	PROPN
ejif-2086	53	15	principles	principle	NOUN
ejif-2086	53	16	concerning	concern	VERB
ejif-2086	53	17	riba	riba	PROPN
ejif-2086	53	18	(	(	PUNCT
ejif-2086	53	19	interest	interest	NOUN
ejif-2086	53	20	)	)	PUNCT
ejif-2086	53	21	,	,	PUNCT
ejif-2086	53	22	gharar	gharar	NOUN
ejif-2086	53	23	(	(	PUNCT
ejif-2086	53	24	excessive	excessive	ADJ
ejif-2086	53	25	uncertainty	uncertainty	NOUN
ejif-2086	53	26	)	)	PUNCT
ejif-2086	53	27	and	and	CCONJ
ejif-2086	53	28	maisir	maisir	NOUN
ejif-2086	53	29	(	(	PUNCT
ejif-2086	53	30	gambling	gambling	NOUN
ejif-2086	53	31	)	)	PUNCT
ejif-2086	53	32	inherent	inherent	ADJ
ejif-2086	53	33	in	in	ADP
ejif-2086	53	34	the	the	DET
ejif-2086	53	35	operations	operation	NOUN
ejif-2086	53	36	of	of	ADP
ejif-2086	53	37	conventional	conventional	ADJ
ejif-2086	53	38	insurance	insurance	NOUN
ejif-2086	53	39	.	.	PUNCT
ejif-2086	54	1	takaful	takaful	ADJ
ejif-2086	54	2	serves	serve	VERB
ejif-2086	54	3	as	as	ADP
ejif-2086	54	4	a	a	DET
ejif-2086	54	5	shariah	shariah	PROPN
ejif-2086	54	6	compliant	compliant	ADJ
ejif-2086	54	7	alternative	alternative	NOUN
ejif-2086	54	8	to	to	ADP
ejif-2086	54	9	conventional	conventional	ADJ
ejif-2086	54	10	insurance	insurance	NOUN
ejif-2086	54	11	just	just	ADV
ejif-2086	54	12	as	as	SCONJ
ejif-2086	54	13	islamic	islamic	ADJ
ejif-2086	54	14	banking	banking	NOUN
ejif-2086	54	15	serves	serve	VERB
ejif-2086	54	16	as	as	ADP
ejif-2086	54	17	an	an	DET
ejif-2086	54	18	alternative	alternative	NOUN
ejif-2086	54	19	to	to	ADP
ejif-2086	54	20	the	the	DET
ejif-2086	54	21	conventional	conventional	ADJ
ejif-2086	54	22	interest	interest	NOUN
ejif-2086	54	23	based	base	VERB
ejif-2086	54	24	banking	banking	NOUN
ejif-2086	54	25	system	system	NOUN
ejif-2086	54	26	.	.	PUNCT
ejif-2086	55	1	ideally	ideally	ADV
ejif-2086	55	2	,	,	PUNCT
ejif-2086	55	3	muslims	muslim	NOUN
ejif-2086	55	4	are	be	AUX
ejif-2086	55	5	supposed	suppose	VERB
ejif-2086	55	6	to	to	PART
ejif-2086	55	7	give	give	VERB
ejif-2086	55	8	unconditional	unconditional	ADJ
ejif-2086	55	9	patronage	patronage	NOUN
ejif-2086	55	10	to	to	PART
ejif-2086	55	11	takaful	takaful	ADJ
ejif-2086	55	12	as	as	SCONJ
ejif-2086	55	13	it	it	PRON
ejif-2086	55	14	thrives	thrive	VERB
ejif-2086	55	15	to	to	PART
ejif-2086	55	16	uphold	uphold	VERB
ejif-2086	55	17	the	the	DET
ejif-2086	55	18	noble	noble	ADJ
ejif-2086	55	19	virtues	virtue	NOUN
ejif-2086	55	20	of	of	ADP
ejif-2086	55	21	brotherhood	brotherhood	NOUN
ejif-2086	55	22	and	and	CCONJ
ejif-2086	55	23	cooperation	cooperation	NOUN
ejif-2086	55	24	.	.	PUNCT
ejif-2086	56	1	several	several	ADJ
ejif-2086	56	2	provisions	provision	NOUN
ejif-2086	56	3	of	of	ADP
ejif-2086	56	4	the	the	DET
ejif-2086	56	5	shariah	shariah	PROPN
ejif-2086	56	6	encourage	encourage	VERB
ejif-2086	56	7	cooperation	cooperation	NOUN
ejif-2086	56	8	and	and	CCONJ
ejif-2086	56	9	solidarity	solidarity	NOUN
ejif-2086	56	10	in	in	ADP
ejif-2086	56	11	helping	help	VERB
ejif-2086	56	12	those	those	PRON
ejif-2086	56	13	in	in	ADP
ejif-2086	56	14	difficulty	difficulty	NOUN
ejif-2086	56	15	as	as	SCONJ
ejif-2086	56	16	practiced	practice	VERB
ejif-2086	56	17	in	in	ADP
ejif-2086	56	18	takaful	takaful	ADJ
ejif-2086	56	19	.	.	PUNCT
ejif-2086	57	1	despite	despite	SCONJ
ejif-2086	57	2	muslims	muslim	NOUN
ejif-2086	57	3	unwavering	unwavere	VERB
ejif-2086	57	4	believe	believe	VERB
ejif-2086	57	5	in	in	ADP
ejif-2086	57	6	destiny	destiny	NOUN
ejif-2086	57	7	,	,	PUNCT
ejif-2086	57	8	they	they	PRON
ejif-2086	57	9	are	be	AUX
ejif-2086	57	10	highly	highly	ADV
ejif-2086	57	11	encouraged	encouraged	ADJ
ejif-2086	57	12	to	to	PART
ejif-2086	57	13	take	take	VERB
ejif-2086	57	14	precautionary	precautionary	ADJ
ejif-2086	57	15	measures	measure	NOUN
ejif-2086	57	16	within	within	ADP
ejif-2086	57	17	their	their	PRON
ejif-2086	57	18	power	power	NOUN
ejif-2086	57	19	to	to	PART
ejif-2086	57	20	minimize	minimize	VERB
ejif-2086	57	21	the	the	DET
ejif-2086	57	22	effects	effect	NOUN
ejif-2086	57	23	of	of	ADP
ejif-2086	57	24	tragic	tragic	ADJ
ejif-2086	57	25	events	event	NOUN
ejif-2086	57	26	through	through	ADP
ejif-2086	57	27	mutual	mutual	ADJ
ejif-2086	57	28	-	-	PUNCT
ejif-2086	57	29	cooperation	cooperation	NOUN
ejif-2086	57	30	and	and	CCONJ
ejif-2086	57	31	high	high	ADJ
ejif-2086	57	32	spirit	spirit	NOUN
ejif-2086	57	33	of	of	ADP
ejif-2086	57	34	brotherhood	brotherhood	PROPN
ejif-2086	57	35	.	.	PUNCT
ejif-2086	58	1	this	this	PRON
ejif-2086	58	2	is	be	AUX
ejif-2086	58	3	contrary	contrary	ADJ
ejif-2086	58	4	to	to	ADP
ejif-2086	58	5	the	the	DET
ejif-2086	58	6	erroneous	erroneous	ADJ
ejif-2086	58	7	ideology	ideology	NOUN
ejif-2086	58	8	of	of	ADP
ejif-2086	58	9	believing	believe	VERB
ejif-2086	58	10	in	in	ADP
ejif-2086	58	11	destiny	destiny	NOUN
ejif-2086	58	12	without	without	ADP
ejif-2086	58	13	making	make	VERB
ejif-2086	58	14	conscious	conscious	ADJ
ejif-2086	58	15	effort	effort	NOUN
ejif-2086	58	16	to	to	PART
ejif-2086	58	17	mitigate	mitigate	VERB
ejif-2086	58	18	risk	risk	NOUN
ejif-2086	58	19	.	.	PUNCT
ejif-2086	59	1	as	as	SCONJ
ejif-2086	59	2	such	such	ADJ
ejif-2086	59	3	,	,	PUNCT
ejif-2086	59	4	good	good	ADJ
ejif-2086	59	5	understanding	understanding	NOUN
ejif-2086	59	6	of	of	ADP
ejif-2086	59	7	the	the	DET
ejif-2086	59	8	shariah	shariah	PROPN
ejif-2086	59	9	would	would	AUX
ejif-2086	59	10	lead	lead	VERB
ejif-2086	59	11	to	to	ADP
ejif-2086	59	12	a	a	DET
ejif-2086	59	13	ejif	ejif	NOUN
ejif-2086	59	14	–	–	PUNCT
ejif-2086	59	15	european	european	PROPN
ejif-2086	59	16	journal	journal	PROPN
ejif-2086	59	17	of	of	ADP
ejif-2086	59	18	islamic	islamic	PROPN
ejif-2086	59	19	finance	finance	PROPN
ejif-2086	59	20	no8	no8	PROPN
ejif-2086	59	21	,	,	PUNCT
ejif-2086	59	22	december	december	PROPN
ejif-2086	59	23	(	(	PUNCT
ejif-2086	59	24	2017	2017	NUM
ejif-2086	59	25	)	)	PUNCT
ejif-2086	60	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	60	2	issn	issn	VERB
ejif-2086	60	3	2421	2421	NUM
ejif-2086	60	4	-	-	SYM
ejif-2086	60	5	2172	2172	NUM
ejif-2086	60	6	3	3	NUM
ejif-2086	60	7	stronger	strong	ADJ
ejif-2086	60	8	sense	sense	NOUN
ejif-2086	60	9	of	of	ADP
ejif-2086	60	10	brotherhood	brotherhood	NOUN
ejif-2086	60	11	which	which	PRON
ejif-2086	60	12	would	would	AUX
ejif-2086	60	13	imply	imply	VERB
ejif-2086	60	14	the	the	DET
ejif-2086	60	15	practice	practice	NOUN
ejif-2086	60	16	of	of	ADP
ejif-2086	60	17	takaful	takaful	ADJ
ejif-2086	60	18	principles	principle	NOUN
ejif-2086	60	19	.	.	PUNCT
ejif-2086	61	1	the	the	DET
ejif-2086	61	2	operation	operation	NOUN
ejif-2086	61	3	of	of	ADP
ejif-2086	61	4	takaful	takaful	ADJ
ejif-2086	61	5	is	be	AUX
ejif-2086	61	6	in	in	ADP
ejif-2086	61	7	line	line	NOUN
ejif-2086	61	8	with	with	ADP
ejif-2086	61	9	the	the	DET
ejif-2086	61	10	command	command	NOUN
ejif-2086	61	11	in	in	ADP
ejif-2086	61	12	quran	quran	PROPN
ejif-2086	61	13	5:2	5:2	NUM
ejif-2086	61	14	quoted	quote	VERB
ejif-2086	61	15	below	below	ADV
ejif-2086	61	16	:	:	PUNCT
ejif-2086	61	17	“	"	PUNCT
ejif-2086	61	18	…	…	PUNCT
ejif-2086	61	19	and	and	CCONJ
ejif-2086	61	20	cooperate	cooperate	VERB
ejif-2086	61	21	in	in	ADP
ejif-2086	61	22	righteousness	righteousness	NOUN
ejif-2086	61	23	and	and	CCONJ
ejif-2086	61	24	piety	piety	NOUN
ejif-2086	61	25	,	,	PUNCT
ejif-2086	61	26	but	but	CCONJ
ejif-2086	61	27	do	do	AUX
ejif-2086	61	28	not	not	PART
ejif-2086	61	29	cooperate	cooperate	VERB
ejif-2086	61	30	in	in	ADP
ejif-2086	61	31	sin	sin	NOUN
ejif-2086	61	32	and	and	CCONJ
ejif-2086	61	33	aggression	aggression	NOUN
ejif-2086	61	34	…	…	PUNCT
ejif-2086	61	35	”	"	PUNCT
ejif-2086	61	36	similarly	similarly	ADV
ejif-2086	61	37	,	,	PUNCT
ejif-2086	61	38	ample	ample	ADJ
ejif-2086	61	39	evidence	evidence	NOUN
ejif-2086	61	40	from	from	ADP
ejif-2086	61	41	the	the	DET
ejif-2086	61	42	hadith	hadith	NOUN
ejif-2086	61	43	of	of	ADP
ejif-2086	61	44	the	the	DET
ejif-2086	61	45	prophet	prophet	NOUN
ejif-2086	61	46	imply	imply	VERB
ejif-2086	61	47	the	the	DET
ejif-2086	61	48	significance	significance	NOUN
ejif-2086	61	49	of	of	ADP
ejif-2086	61	50	many	many	ADJ
ejif-2086	61	51	noble	noble	ADJ
ejif-2086	61	52	attributes	attribute	NOUN
ejif-2086	61	53	inherent	inherent	ADJ
ejif-2086	61	54	in	in	ADP
ejif-2086	61	55	a	a	DET
ejif-2086	61	56	takaful	takaful	ADJ
ejif-2086	61	57	arrangement	arrangement	NOUN
ejif-2086	61	58	.	.	PUNCT
ejif-2086	62	1	some	some	PRON
ejif-2086	62	2	of	of	ADP
ejif-2086	62	3	such	such	ADJ
ejif-2086	62	4	hadiths	hadith	NOUN
ejif-2086	62	5	as	as	SCONJ
ejif-2086	62	6	cited	cite	VERB
ejif-2086	62	7	in	in	ADP
ejif-2086	62	8	[	[	X
ejif-2086	62	9	29	29	NUM
ejif-2086	62	10	]	]	PUNCT
ejif-2086	62	11	are	be	AUX
ejif-2086	62	12	presented	present	VERB
ejif-2086	62	13	below	below	ADP
ejif-2086	62	14	:	:	PUNCT
ejif-2086	62	15	“	"	PUNCT
ejif-2086	62	16	allah	allah	PROPN
ejif-2086	62	17	will	will	AUX
ejif-2086	62	18	always	always	ADV
ejif-2086	62	19	help	help	VERB
ejif-2086	62	20	his	his	PRON
ejif-2086	62	21	servant	servant	NOUN
ejif-2086	62	22	for	for	ADP
ejif-2086	62	23	as	as	ADV
ejif-2086	62	24	long	long	ADV
ejif-2086	62	25	as	as	SCONJ
ejif-2086	62	26	he	he	PRON
ejif-2086	62	27	helps	help	VERB
ejif-2086	62	28	others	other	NOUN
ejif-2086	62	29	”	"	PUNCT
ejif-2086	62	30	(	(	PUNCT
ejif-2086	62	31	narrated	narrate	VERB
ejif-2086	62	32	by	by	ADP
ejif-2086	62	33	imam	imam	PROPN
ejif-2086	62	34	ahmad	ahmad	PROPN
ejif-2086	62	35	and	and	CCONJ
ejif-2086	62	36	imam	imam	PROPN
ejif-2086	62	37	abu	abu	PROPN
ejif-2086	62	38	daud	daud	PROPN
ejif-2086	62	39	)	)	PUNCT
ejif-2086	63	1	“	"	PUNCT
ejif-2086	63	2	the	the	DET
ejif-2086	63	3	place	place	NOUN
ejif-2086	63	4	of	of	ADP
ejif-2086	63	5	relationship	relationship	NOUN
ejif-2086	63	6	and	and	CCONJ
ejif-2086	63	7	feelings	feeling	NOUN
ejif-2086	63	8	of	of	ADP
ejif-2086	63	9	people	people	NOUN
ejif-2086	63	10	with	with	ADP
ejif-2086	63	11	faith	faith	NOUN
ejif-2086	63	12	,	,	PUNCT
ejif-2086	63	13	between	between	ADP
ejif-2086	63	14	each	each	DET
ejif-2086	63	15	other	other	ADJ
ejif-2086	63	16	,	,	PUNCT
ejif-2086	63	17	is	be	AUX
ejif-2086	63	18	just	just	ADV
ejif-2086	63	19	like	like	ADP
ejif-2086	63	20	the	the	DET
ejif-2086	63	21	body	body	NOUN
ejif-2086	63	22	:	:	PUNCT
ejif-2086	63	23	when	when	SCONJ
ejif-2086	63	24	one	one	NUM
ejif-2086	63	25	of	of	ADP
ejif-2086	63	26	its	its	PRON
ejif-2086	63	27	parts	part	NOUN
ejif-2086	63	28	is	be	AUX
ejif-2086	63	29	afflicted	afflict	VERB
ejif-2086	63	30	with	with	ADP
ejif-2086	63	31	pain	pain	NOUN
ejif-2086	63	32	,	,	PUNCT
ejif-2086	63	33	then	then	ADV
ejif-2086	63	34	the	the	DET
ejif-2086	63	35	rest	rest	NOUN
ejif-2086	63	36	of	of	ADP
ejif-2086	63	37	the	the	DET
ejif-2086	63	38	body	body	NOUN
ejif-2086	63	39	will	will	AUX
ejif-2086	63	40	be	be	AUX
ejif-2086	63	41	affected	affect	VERB
ejif-2086	63	42	”	"	PUNCT
ejif-2086	63	43	.	.	PUNCT
ejif-2086	64	1	(	(	PUNCT
ejif-2086	64	2	narrated	narrate	VERB
ejif-2086	64	3	by	by	ADP
ejif-2086	64	4	imam	imam	PROPN
ejif-2086	64	5	al	al	PROPN
ejif-2086	64	6	-	-	PUNCT
ejif-2086	64	7	bukhari	bukhari	PROPN
ejif-2086	64	8	and	and	CCONJ
ejif-2086	64	9	imam	imam	PROPN
ejif-2086	64	10	muslim	muslim	PROPN
ejif-2086	64	11	)	)	PUNCT
ejif-2086	64	12	“	"	PUNCT
ejif-2086	64	13	one	one	NUM
ejif-2086	64	14	true	true	ADJ
ejif-2086	64	15	muslim	muslim	ADJ
ejif-2086	64	16	(	(	PUNCT
ejif-2086	64	17	mu’min	mu’min	PROPN
ejif-2086	64	18	)	)	PUNCT
ejif-2086	64	19	and	and	CCONJ
ejif-2086	64	20	another	another	DET
ejif-2086	64	21	true	true	ADJ
ejif-2086	64	22	muslim	muslim	ADJ
ejif-2086	64	23	(	(	PUNCT
ejif-2086	64	24	mu’min	mu’min	PROPN
ejif-2086	64	25	)	)	PUNCT
ejif-2086	64	26	is	be	AUX
ejif-2086	64	27	just	just	ADV
ejif-2086	64	28	like	like	ADP
ejif-2086	64	29	a	a	DET
ejif-2086	64	30	building	building	NOUN
ejif-2086	64	31	whereby	whereby	SCONJ
ejif-2086	64	32	every	every	DET
ejif-2086	64	33	part	part	NOUN
ejif-2086	64	34	in	in	ADP
ejif-2086	64	35	it	it	PRON
ejif-2086	64	36	strengthens	strengthen	VERB
ejif-2086	64	37	the	the	DET
ejif-2086	64	38	other	other	ADJ
ejif-2086	64	39	part	part	NOUN
ejif-2086	64	40	”	"	PUNCT
ejif-2086	64	41	.	.	PUNCT
ejif-2086	65	1	(	(	PUNCT
ejif-2086	65	2	narrated	narrate	VERB
ejif-2086	65	3	by	by	ADP
ejif-2086	65	4	imam	imam	PROPN
ejif-2086	65	5	al	al	PROPN
ejif-2086	65	6	-	-	PUNCT
ejif-2086	65	7	bukhari	bukhari	PROPN
ejif-2086	65	8	and	and	CCONJ
ejif-2086	65	9	imam	imam	PROPN
ejif-2086	65	10	muslim	muslim	PROPN
ejif-2086	65	11	)	)	PUNCT
ejif-2086	65	12	“	"	PUNCT
ejif-2086	65	13	by	by	ADP
ejif-2086	65	14	my	my	PRON
ejif-2086	65	15	life	life	NOUN
ejif-2086	65	16	,	,	PUNCT
ejif-2086	65	17	which	which	PRON
ejif-2086	65	18	is	be	AUX
ejif-2086	65	19	allah	allah	PROPN
ejif-2086	65	20	’s	’s	PART
ejif-2086	65	21	power	power	NOUN
ejif-2086	65	22	,	,	PUNCT
ejif-2086	65	23	nobody	nobody	PRON
ejif-2086	65	24	will	will	AUX
ejif-2086	65	25	enter	enter	VERB
ejif-2086	65	26	paradise	paradise	PROPN
ejif-2086	65	27	if	if	SCONJ
ejif-2086	65	28	he	he	PRON
ejif-2086	65	29	does	do	AUX
ejif-2086	65	30	not	not	PART
ejif-2086	65	31	protect	protect	VERB
ejif-2086	65	32	his	his	PRON
ejif-2086	65	33	neighbor	neighbor	NOUN
ejif-2086	65	34	who	who	PRON
ejif-2086	65	35	is	be	AUX
ejif-2086	65	36	in	in	ADP
ejif-2086	65	37	distress	distress	NOUN
ejif-2086	65	38	”	"	PUNCT
ejif-2086	65	39	.	.	PUNCT
ejif-2086	66	1	(	(	PUNCT
ejif-2086	66	2	narrated	narrate	VERB
ejif-2086	66	3	by	by	ADP
ejif-2086	66	4	imam	imam	PROPN
ejif-2086	66	5	ahmad	ahmad	PROPN
ejif-2086	66	6	)	)	PUNCT
ejif-2086	66	7	for	for	ADP
ejif-2086	66	8	effective	effective	ADJ
ejif-2086	66	9	compliance	compliance	NOUN
ejif-2086	66	10	with	with	ADP
ejif-2086	66	11	the	the	DET
ejif-2086	66	12	commandments	commandment	NOUN
ejif-2086	66	13	of	of	ADP
ejif-2086	66	14	these	these	DET
ejif-2086	66	15	hadiths	hadith	NOUN
ejif-2086	66	16	,	,	PUNCT
ejif-2086	66	17	it	it	PRON
ejif-2086	66	18	is	be	AUX
ejif-2086	66	19	certainly	certainly	ADV
ejif-2086	66	20	important	important	ADJ
ejif-2086	66	21	to	to	PART
ejif-2086	66	22	establish	establish	VERB
ejif-2086	66	23	and	and	CCONJ
ejif-2086	66	24	promote	promote	VERB
ejif-2086	66	25	takaful	takaful	ADJ
ejif-2086	66	26	institutions	institution	NOUN
ejif-2086	66	27	.	.	PUNCT
ejif-2086	67	1	the	the	DET
ejif-2086	67	2	shariah	shariah	PROPN
ejif-2086	67	3	as	as	ADP
ejif-2086	67	4	a	a	DET
ejif-2086	67	5	comprehensive	comprehensive	ADJ
ejif-2086	67	6	guide	guide	NOUN
ejif-2086	67	7	to	to	ADP
ejif-2086	67	8	man	man	NOUN
ejif-2086	67	9	has	have	VERB
ejif-2086	67	10	as	as	ADP
ejif-2086	67	11	part	part	NOUN
ejif-2086	67	12	of	of	ADP
ejif-2086	67	13	its	its	PRON
ejif-2086	67	14	objectives	objective	NOUN
ejif-2086	67	15	(	(	PUNCT
ejif-2086	67	16	maqasid	maqasid	PROPN
ejif-2086	67	17	ashshariah	ashshariah	PROPN
ejif-2086	67	18	)	)	PUNCT
ejif-2086	67	19	the	the	DET
ejif-2086	67	20	preservation	preservation	NOUN
ejif-2086	67	21	of	of	ADP
ejif-2086	67	22	property	property	NOUN
ejif-2086	67	23	(	(	PUNCT
ejif-2086	67	24	hifz	hifz	PROPN
ejif-2086	67	25	al	al	PROPN
ejif-2086	67	26	-	-	PUNCT
ejif-2086	67	27	mal	mal	ADJ
ejif-2086	67	28	)	)	PUNCT
ejif-2086	67	29	.	.	PUNCT
ejif-2086	68	1	in	in	ADP
ejif-2086	68	2	this	this	DET
ejif-2086	68	3	regard	regard	NOUN
ejif-2086	68	4	,	,	PUNCT
ejif-2086	68	5	takaful	takaful	ADJ
ejif-2086	68	6	plays	play	VERB
ejif-2086	68	7	a	a	DET
ejif-2086	68	8	vital	vital	ADJ
ejif-2086	68	9	role	role	NOUN
ejif-2086	68	10	in	in	ADP
ejif-2086	68	11	promoting	promote	VERB
ejif-2086	68	12	the	the	DET
ejif-2086	68	13	shariah	shariah	PROPN
ejif-2086	68	14	objective	objective	NOUN
ejif-2086	68	15	of	of	ADP
ejif-2086	68	16	property	property	NOUN
ejif-2086	68	17	preservation	preservation	NOUN
ejif-2086	68	18	.	.	PUNCT
ejif-2086	69	1	2.2	2.2	NUM
ejif-2086	69	2	shariah	shariah	PROPN
ejif-2086	69	3	violations	violation	NOUN
ejif-2086	69	4	in	in	ADP
ejif-2086	69	5	conventional	conventional	ADJ
ejif-2086	69	6	insurance	insurance	NOUN
ejif-2086	69	7	the	the	DET
ejif-2086	69	8	prohibition	prohibition	NOUN
ejif-2086	69	9	of	of	ADP
ejif-2086	69	10	conventional	conventional	ADJ
ejif-2086	69	11	insurance	insurance	NOUN
ejif-2086	69	12	in	in	ADP
ejif-2086	69	13	islam	islam	PROPN
ejif-2086	69	14	and	and	CCONJ
ejif-2086	69	15	the	the	DET
ejif-2086	69	16	resultant	resultant	NOUN
ejif-2086	69	17	need	need	VERB
ejif-2086	69	18	for	for	ADP
ejif-2086	69	19	takaful	takaful	ADJ
ejif-2086	69	20	stems	stem	NOUN
ejif-2086	69	21	from	from	ADP
ejif-2086	69	22	the	the	DET
ejif-2086	69	23	obvious	obvious	ADJ
ejif-2086	69	24	shariah	shariah	PROPN
ejif-2086	69	25	violations	violation	NOUN
ejif-2086	69	26	inherent	inherent	ADJ
ejif-2086	69	27	in	in	ADP
ejif-2086	69	28	conventional	conventional	ADJ
ejif-2086	69	29	insurance	insurance	NOUN
ejif-2086	69	30	.	.	PUNCT
ejif-2086	70	1	despite	despite	SCONJ
ejif-2086	70	2	having	have	VERB
ejif-2086	70	3	the	the	DET
ejif-2086	70	4	same	same	ADJ
ejif-2086	70	5	noble	noble	ADJ
ejif-2086	70	6	objective	objective	NOUN
ejif-2086	70	7	of	of	ADP
ejif-2086	70	8	providing	provide	VERB
ejif-2086	70	9	protection	protection	NOUN
ejif-2086	70	10	against	against	ADP
ejif-2086	70	11	losses	loss	NOUN
ejif-2086	70	12	,	,	PUNCT
ejif-2086	70	13	the	the	DET
ejif-2086	70	14	mode	mode	NOUN
ejif-2086	70	15	of	of	ADP
ejif-2086	70	16	operation	operation	NOUN
ejif-2086	70	17	of	of	ADP
ejif-2086	70	18	conventional	conventional	ADJ
ejif-2086	70	19	insurance	insurance	NOUN
ejif-2086	70	20	contains	contain	VERB
ejif-2086	70	21	fundamental	fundamental	ADJ
ejif-2086	70	22	shariah	shariah	PROPN
ejif-2086	70	23	violations	violation	NOUN
ejif-2086	70	24	.	.	PUNCT
ejif-2086	71	1	these	these	PRON
ejif-2086	71	2	include	include	VERB
ejif-2086	71	3	riba	riba	PROPN
ejif-2086	71	4	(	(	PUNCT
ejif-2086	71	5	interest	interest	NOUN
ejif-2086	71	6	)	)	PUNCT
ejif-2086	71	7	,	,	PUNCT
ejif-2086	71	8	gharar	gharar	NOUN
ejif-2086	71	9	(	(	PUNCT
ejif-2086	71	10	excessive	excessive	ADJ
ejif-2086	71	11	uncertainty	uncertainty	NOUN
ejif-2086	71	12	)	)	PUNCT
ejif-2086	71	13	and	and	CCONJ
ejif-2086	71	14	maisir	maisir	NOUN
ejif-2086	71	15	(	(	PUNCT
ejif-2086	71	16	gambling	gambling	NOUN
ejif-2086	71	17	)	)	PUNCT
ejif-2086	71	18	as	as	SCONJ
ejif-2086	71	19	explained	explain	VERB
ejif-2086	71	20	in	in	ADP
ejif-2086	71	21	table	table	NOUN
ejif-2086	71	22	1	1	NUM
ejif-2086	71	23	.	.	PUNCT
ejif-2086	71	24	table	table	NOUN
ejif-2086	71	25	1	1	NUM
ejif-2086	71	26	.	.	PUNCT
ejif-2086	71	27	prohibited	prohibit	VERB
ejif-2086	71	28	elements	element	NOUN
ejif-2086	71	29	in	in	ADP
ejif-2086	71	30	takaful	takaful	ADJ
ejif-2086	71	31	operation	operation	NOUN
ejif-2086	71	32	elements	element	NOUN
ejif-2086	71	33	description	description	NOUN
ejif-2086	71	34	riba	riba	VERB
ejif-2086	71	35	this	this	PRON
ejif-2086	71	36	is	be	AUX
ejif-2086	71	37	considered	consider	VERB
ejif-2086	71	38	as	as	ADP
ejif-2086	71	39	one	one	NUM
ejif-2086	71	40	of	of	ADP
ejif-2086	71	41	the	the	DET
ejif-2086	71	42	greatest	great	ADJ
ejif-2086	71	43	sins	sin	NOUN
ejif-2086	71	44	in	in	ADP
ejif-2086	71	45	islam	islam	PROPN
ejif-2086	71	46	being	be	AUX
ejif-2086	71	47	the	the	DET
ejif-2086	71	48	only	only	ADJ
ejif-2086	71	49	sin	sin	NOUN
ejif-2086	71	50	allah	allah	PROPN
ejif-2086	71	51	which	which	PRON
ejif-2086	71	52	categorically	categorically	ADV
ejif-2086	71	53	declared	declare	VERB
ejif-2086	71	54	war	war	NOUN
ejif-2086	71	55	upon	upon	ADP
ejif-2086	71	56	.	.	PUNCT
ejif-2086	72	1	several	several	ADJ
ejif-2086	72	2	verses	verse	NOUN
ejif-2086	72	3	of	of	ADP
ejif-2086	72	4	the	the	DET
ejif-2086	72	5	quran	quran	PROPN
ejif-2086	72	6	(	(	PUNCT
ejif-2086	72	7	2:275	2:275	NUM
ejif-2086	72	8	-	-	SYM
ejif-2086	72	9	279	279	NUM
ejif-2086	72	10	,	,	PUNCT
ejif-2086	72	11	3:130	3:130	NUM
ejif-2086	72	12	,	,	PUNCT
ejif-2086	72	13	4:161	4:161	NUM
ejif-2086	72	14	and	and	CCONJ
ejif-2086	72	15	30:39	30:39	NUM
ejif-2086	72	16	)	)	PUNCT
ejif-2086	72	17	and	and	CCONJ
ejif-2086	72	18	quotations	quotation	NOUN
ejif-2086	72	19	from	from	ADP
ejif-2086	72	20	the	the	DET
ejif-2086	72	21	hadiths	hadith	NOUN
ejif-2086	72	22	of	of	ADP
ejif-2086	72	23	the	the	DET
ejif-2086	72	24	prophet	prophet	NOUN
ejif-2086	72	25	forbid	forbid	VERB
ejif-2086	72	26	engaging	engage	VERB
ejif-2086	72	27	in	in	ADP
ejif-2086	72	28	transactions	transaction	NOUN
ejif-2086	72	29	that	that	PRON
ejif-2086	72	30	have	have	VERB
ejif-2086	72	31	elements	element	NOUN
ejif-2086	72	32	of	of	ADP
ejif-2086	72	33	riba	riba	PROPN
ejif-2086	72	34	.	.	PUNCT
ejif-2086	73	1	conventional	conventional	ADJ
ejif-2086	73	2	insurance	insurance	NOUN
ejif-2086	73	3	companies	company	NOUN
ejif-2086	73	4	invest	invest	VERB
ejif-2086	73	5	premiums	premium	NOUN
ejif-2086	73	6	in	in	ADP
ejif-2086	73	7	interest	interest	NOUN
ejif-2086	73	8	bearing	bear	VERB
ejif-2086	73	9	investments	investment	NOUN
ejif-2086	73	10	in	in	ADP
ejif-2086	73	11	violation	violation	NOUN
ejif-2086	73	12	of	of	ADP
ejif-2086	73	13	shariah	shariah	PROPN
ejif-2086	73	14	whereas	whereas	SCONJ
ejif-2086	73	15	takaful	takaful	ADJ
ejif-2086	73	16	contributions	contribution	NOUN
ejif-2086	73	17	are	be	AUX
ejif-2086	73	18	only	only	ADV
ejif-2086	73	19	invested	invest	VERB
ejif-2086	73	20	in	in	ADP
ejif-2086	73	21	shariah	shariah	PROPN
ejif-2086	73	22	compliant	compliant	ADJ
ejif-2086	73	23	activities	activity	NOUN
ejif-2086	73	24	.	.	PUNCT
ejif-2086	74	1	gharar	gharar	PROPN
ejif-2086	74	2	basically	basically	ADV
ejif-2086	74	3	,	,	PUNCT
ejif-2086	74	4	gharar	gharar	PROPN
ejif-2086	74	5	refers	refer	VERB
ejif-2086	74	6	to	to	ADP
ejif-2086	74	7	excessive	excessive	ADJ
ejif-2086	74	8	uncertainty	uncertainty	NOUN
ejif-2086	74	9	which	which	PRON
ejif-2086	74	10	can	can	AUX
ejif-2086	74	11	lead	lead	VERB
ejif-2086	74	12	to	to	ADP
ejif-2086	74	13	adverse	adverse	ADJ
ejif-2086	74	14	effects	effect	NOUN
ejif-2086	74	15	to	to	ADP
ejif-2086	74	16	the	the	DET
ejif-2086	74	17	parties	party	NOUN
ejif-2086	74	18	involved	involve	VERB
ejif-2086	74	19	in	in	ADP
ejif-2086	74	20	a	a	DET
ejif-2086	74	21	contract	contract	NOUN
ejif-2086	74	22	and	and	CCONJ
ejif-2086	74	23	increase	increase	VERB
ejif-2086	74	24	in	in	ADP
ejif-2086	74	25	the	the	DET
ejif-2086	74	26	chances	chance	NOUN
ejif-2086	74	27	of	of	ADP
ejif-2086	74	28	conflict	conflict	NOUN
ejif-2086	74	29	.	.	PUNCT
ejif-2086	75	1	when	when	SCONJ
ejif-2086	75	2	conventional	conventional	ADJ
ejif-2086	75	3	insurance	insurance	NOUN
ejif-2086	75	4	is	be	AUX
ejif-2086	75	5	contracted	contract	VERB
ejif-2086	75	6	,	,	PUNCT
ejif-2086	75	7	neither	neither	CCONJ
ejif-2086	75	8	the	the	DET
ejif-2086	75	9	insurance	insurance	NOUN
ejif-2086	75	10	company	company	NOUN
ejif-2086	75	11	nor	nor	CCONJ
ejif-2086	75	12	the	the	DET
ejif-2086	75	13	policy	policy	NOUN
ejif-2086	75	14	holder	holder	NOUN
ejif-2086	75	15	knows	know	VERB
ejif-2086	75	16	the	the	DET
ejif-2086	75	17	outcome	outcome	NOUN
ejif-2086	75	18	of	of	ADP
ejif-2086	75	19	the	the	DET
ejif-2086	75	20	contract	contract	NOUN
ejif-2086	75	21	.	.	PUNCT
ejif-2086	76	1	excessive	excessive	ADJ
ejif-2086	76	2	uncertainty	uncertainty	NOUN
ejif-2086	76	3	is	be	AUX
ejif-2086	76	4	more	more	ADV
ejif-2086	76	5	clearly	clearly	ADV
ejif-2086	76	6	seen	see	VERB
ejif-2086	76	7	in	in	ADP
ejif-2086	76	8	the	the	DET
ejif-2086	76	9	case	case	NOUN
ejif-2086	76	10	of	of	ADP
ejif-2086	76	11	life	life	NOUN
ejif-2086	76	12	assurance	assurance	NOUN
ejif-2086	76	13	whereby	whereby	SCONJ
ejif-2086	76	14	compensation	compensation	NOUN
ejif-2086	76	15	amount	amount	NOUN
ejif-2086	76	16	depends	depend	VERB
ejif-2086	76	17	on	on	ADP
ejif-2086	76	18	the	the	DET
ejif-2086	76	19	time	time	NOUN
ejif-2086	76	20	of	of	ADP
ejif-2086	76	21	death	death	NOUN
ejif-2086	76	22	of	of	ADP
ejif-2086	76	23	the	the	DET
ejif-2086	76	24	insured	insure	VERB
ejif-2086	76	25	thereby	thereby	ADV
ejif-2086	76	26	leading	lead	VERB
ejif-2086	76	27	to	to	ADP
ejif-2086	76	28	ambiguity	ambiguity	NOUN
ejif-2086	76	29	.	.	PUNCT
ejif-2086	77	1	the	the	DET
ejif-2086	77	2	element	element	NOUN
ejif-2086	77	3	of	of	ADP
ejif-2086	77	4	tabarru	tabarru	NOUN
ejif-2086	77	5	in	in	ADP
ejif-2086	77	6	takaful	takaful	ADJ
ejif-2086	77	7	eliminates	eliminate	NOUN
ejif-2086	77	8	the	the	DET
ejif-2086	77	9	possibility	possibility	NOUN
ejif-2086	77	10	of	of	ADP
ejif-2086	77	11	such	such	ADJ
ejif-2086	77	12	uncertainty	uncertainty	NOUN
ejif-2086	77	13	maisir	maisir	NOUN
ejif-2086	77	14	this	this	PRON
ejif-2086	77	15	refers	refer	VERB
ejif-2086	77	16	to	to	ADP
ejif-2086	77	17	gambling	gambling	NOUN
ejif-2086	77	18	,	,	PUNCT
ejif-2086	77	19	the	the	DET
ejif-2086	77	20	prohibition	prohibition	NOUN
ejif-2086	77	21	of	of	ADP
ejif-2086	77	22	which	which	PRON
ejif-2086	77	23	is	be	AUX
ejif-2086	77	24	contained	contain	VERB
ejif-2086	77	25	in	in	ADP
ejif-2086	77	26	quran	quran	PROPN
ejif-2086	77	27	(	(	PUNCT
ejif-2086	77	28	5:90	5:90	NUM
ejif-2086	77	29	)	)	PUNCT
ejif-2086	77	30	.	.	PUNCT
ejif-2086	78	1	in	in	ADP
ejif-2086	78	2	conventional	conventional	ADJ
ejif-2086	78	3	insurance	insurance	NOUN
ejif-2086	78	4	,	,	PUNCT
ejif-2086	78	5	there	there	PRON
ejif-2086	78	6	is	be	VERB
ejif-2086	78	7	a	a	DET
ejif-2086	78	8	clear	clear	ADJ
ejif-2086	78	9	manifestation	manifestation	NOUN
ejif-2086	78	10	of	of	ADP
ejif-2086	78	11	this	this	DET
ejif-2086	78	12	prohibited	prohibit	VERB
ejif-2086	78	13	element	element	NOUN
ejif-2086	78	14	.	.	PUNCT
ejif-2086	79	1	the	the	DET
ejif-2086	79	2	outcome	outcome	NOUN
ejif-2086	79	3	of	of	ADP
ejif-2086	79	4	a	a	DET
ejif-2086	79	5	conventional	conventional	ADJ
ejif-2086	79	6	insurance	insurance	NOUN
ejif-2086	79	7	policy	policy	NOUN
ejif-2086	79	8	is	be	AUX
ejif-2086	79	9	always	always	ADV
ejif-2086	79	10	a	a	DET
ejif-2086	79	11	zero	zero	NUM
ejif-2086	79	12	-	-	PUNCT
ejif-2086	79	13	sum	sum	NOUN
ejif-2086	79	14	game	game	NOUN
ejif-2086	79	15	with	with	ADP
ejif-2086	79	16	no	no	DET
ejif-2086	79	17	chance	chance	NOUN
ejif-2086	79	18	of	of	ADP
ejif-2086	79	19	a	a	DET
ejif-2086	79	20	mutually	mutually	ADV
ejif-2086	79	21	beneficial	beneficial	ADJ
ejif-2086	79	22	result	result	NOUN
ejif-2086	79	23	.	.	PUNCT
ejif-2086	80	1	the	the	DET
ejif-2086	80	2	outcome	outcome	NOUN
ejif-2086	80	3	is	be	AUX
ejif-2086	80	4	either	either	CCONJ
ejif-2086	80	5	in	in	ADP
ejif-2086	80	6	favour	favour	NOUN
ejif-2086	80	7	of	of	ADP
ejif-2086	80	8	the	the	DET
ejif-2086	80	9	policy	policy	NOUN
ejif-2086	80	10	holder	holder	NOUN
ejif-2086	80	11	alone	alone	ADJ
ejif-2086	80	12	in	in	ADP
ejif-2086	80	13	the	the	DET
ejif-2086	80	14	case	case	NOUN
ejif-2086	80	15	where	where	SCONJ
ejif-2086	80	16	he	he	PRON
ejif-2086	80	17	makes	make	VERB
ejif-2086	80	18	a	a	DET
ejif-2086	80	19	claim	claim	NOUN
ejif-2086	80	20	or	or	CCONJ
ejif-2086	80	21	in	in	ADP
ejif-2086	80	22	favour	favour	NOUN
ejif-2086	80	23	of	of	ADP
ejif-2086	80	24	the	the	DET
ejif-2086	80	25	insurance	insurance	NOUN
ejif-2086	80	26	company	company	NOUN
ejif-2086	80	27	when	when	SCONJ
ejif-2086	80	28	no	no	DET
ejif-2086	80	29	claim	claim	NOUN
ejif-2086	80	30	is	be	AUX
ejif-2086	80	31	made	make	VERB
ejif-2086	80	32	by	by	ADP
ejif-2086	80	33	the	the	DET
ejif-2086	80	34	policy	policy	NOUN
ejif-2086	80	35	holder	holder	NOUN
ejif-2086	80	36	.	.	PUNCT
ejif-2086	81	1	therefore	therefore	ADV
ejif-2086	81	2	,	,	PUNCT
ejif-2086	81	3	a	a	DET
ejif-2086	81	4	policy	policy	NOUN
ejif-2086	81	5	holder	holder	NOUN
ejif-2086	81	6	is	be	AUX
ejif-2086	81	7	engaged	engage	VERB
ejif-2086	81	8	in	in	ADP
ejif-2086	81	9	a	a	DET
ejif-2086	81	10	sort	sort	NOUN
ejif-2086	81	11	of	of	ADP
ejif-2086	81	12	gambling	gambling	NOUN
ejif-2086	81	13	as	as	SCONJ
ejif-2086	81	14	the	the	DET
ejif-2086	81	15	outcome	outcome	NOUN
ejif-2086	81	16	of	of	ADP
ejif-2086	81	17	the	the	DET
ejif-2086	81	18	contract	contract	NOUN
ejif-2086	81	19	may	may	AUX
ejif-2086	81	20	either	either	CCONJ
ejif-2086	81	21	favour	favour	VERB
ejif-2086	81	22	him	he	PRON
ejif-2086	81	23	completely	completely	ADV
ejif-2086	81	24	or	or	CCONJ
ejif-2086	81	25	he	he	PRON
ejif-2086	81	26	loses	lose	VERB
ejif-2086	81	27	his	his	PRON
ejif-2086	81	28	premium	premium	NOUN
ejif-2086	81	29	completely	completely	ADV
ejif-2086	81	30	.	.	PUNCT
ejif-2086	82	1	the	the	DET
ejif-2086	82	2	element	element	NOUN
ejif-2086	82	3	of	of	ADP
ejif-2086	82	4	tabarru	tabarru	NOUN
ejif-2086	82	5	in	in	ADP
ejif-2086	82	6	takaful	takaful	ADJ
ejif-2086	82	7	effectively	effectively	ADV
ejif-2086	82	8	solves	solve	VERB
ejif-2086	82	9	this	this	DET
ejif-2086	82	10	problem	problem	NOUN
ejif-2086	82	11	.	.	PUNCT
ejif-2086	83	1	2.3	2.3	NUM
ejif-2086	83	2	comparison	comparison	NOUN
ejif-2086	83	3	between	between	ADP
ejif-2086	83	4	takaful	takaful	ADJ
ejif-2086	83	5	and	and	CCONJ
ejif-2086	83	6	conventional	conventional	ADJ
ejif-2086	83	7	insurance	insurance	NOUN
ejif-2086	83	8	in	in	ADP
ejif-2086	83	9	this	this	DET
ejif-2086	83	10	section	section	NOUN
ejif-2086	83	11	,	,	PUNCT
ejif-2086	83	12	we	we	PRON
ejif-2086	83	13	are	be	AUX
ejif-2086	83	14	going	go	VERB
ejif-2086	83	15	to	to	PART
ejif-2086	83	16	compare	compare	VERB
ejif-2086	83	17	and	and	CCONJ
ejif-2086	83	18	construct	construct	VERB
ejif-2086	83	19	the	the	DET
ejif-2086	83	20	similarities	similarity	NOUN
ejif-2086	83	21	and	and	CCONJ
ejif-2086	83	22	differences	difference	NOUN
ejif-2086	83	23	between	between	ADP
ejif-2086	83	24	conventional	conventional	ADJ
ejif-2086	83	25	insurance	insurance	NOUN
ejif-2086	83	26	and	and	CCONJ
ejif-2086	83	27	takaful	takaful	ADJ
ejif-2086	83	28	.	.	PUNCT
ejif-2086	84	1	in	in	ADP
ejif-2086	84	2	order	order	NOUN
ejif-2086	84	3	to	to	PART
ejif-2086	84	4	provide	provide	VERB
ejif-2086	84	5	a	a	DET
ejif-2086	84	6	clear	clear	ADJ
ejif-2086	84	7	picture	picture	NOUN
ejif-2086	84	8	about	about	ADP
ejif-2086	84	9	them	they	PRON
ejif-2086	84	10	,	,	PUNCT
ejif-2086	84	11	we	we	PRON
ejif-2086	84	12	have	have	AUX
ejif-2086	84	13	summarized	summarize	VERB
ejif-2086	84	14	the	the	DET
ejif-2086	84	15	differences	difference	NOUN
ejif-2086	84	16	between	between	ADP
ejif-2086	84	17	takaful	takaful	ADJ
ejif-2086	84	18	and	and	CCONJ
ejif-2086	84	19	conventional	conventional	ADJ
ejif-2086	84	20	insurance	insurance	NOUN
ejif-2086	84	21	in	in	ADP
ejif-2086	84	22	table	table	NOUN
ejif-2086	84	23	2	2	NUM
ejif-2086	84	24	.	.	PUNCT
ejif-2086	85	1	[	[	X
ejif-2086	85	2	30	30	NUM
ejif-2086	85	3	]	]	PUNCT
ejif-2086	85	4	and	and	CCONJ
ejif-2086	85	5	[	[	X
ejif-2086	85	6	3	3	NUM
ejif-2086	85	7	]	]	PUNCT
ejif-2086	85	8	also	also	ADV
ejif-2086	85	9	cited	cite	VERB
ejif-2086	85	10	similar	similar	ADJ
ejif-2086	85	11	features	feature	NOUN
ejif-2086	85	12	of	of	ADP
ejif-2086	85	13	takaful	takaful	ADJ
ejif-2086	85	14	.	.	PUNCT
ejif-2086	86	1	table	table	NOUN
ejif-2086	86	2	2	2	NUM
ejif-2086	86	3	.	.	X
ejif-2086	87	1	summary	summary	NOUN
ejif-2086	87	2	of	of	ADP
ejif-2086	87	3	differences	difference	NOUN
ejif-2086	87	4	between	between	ADP
ejif-2086	87	5	takaful	takaful	ADJ
ejif-2086	87	6	and	and	CCONJ
ejif-2086	87	7	conventional	conventional	ADJ
ejif-2086	87	8	insuareance	insuareance	NOUN
ejif-2086	87	9	takaful	takaful	ADJ
ejif-2086	87	10	insurance	insurance	NOUN
ejif-2086	87	11	contract	contract	NOUN
ejif-2086	87	12	shariah	shariah	PROPN
ejif-2086	87	13	contract	contract	PROPN
ejif-2086	87	14	.	.	PUNCT
ejif-2086	88	1	a	a	DET
ejif-2086	88	2	combination	combination	NOUN
ejif-2086	88	3	of	of	ADP
ejif-2086	88	4	tabarru	tabarru	ADJ
ejif-2086	88	5	contract	contract	NOUN
ejif-2086	88	6	and	and	CCONJ
ejif-2086	88	7	agency	agency	NOUN
ejif-2086	88	8	or	or	CCONJ
ejif-2086	88	9	profit	profit	NOUN
ejif-2086	88	10	sharing	sharing	NOUN
ejif-2086	88	11	.	.	PUNCT
ejif-2086	89	1	an	an	DET
ejif-2086	89	2	exchange	exchange	NOUN
ejif-2086	89	3	contract	contract	NOUN
ejif-2086	89	4	.	.	PUNCT
ejif-2086	90	1	the	the	DET
ejif-2086	90	2	sale	sale	NOUN
ejif-2086	90	3	and	and	CCONJ
ejif-2086	90	4	purchase	purchase	NOUN
ejif-2086	90	5	of	of	ADP
ejif-2086	90	6	policy	policy	NOUN
ejif-2086	90	7	cover	cover	NOUN
ejif-2086	90	8	between	between	ADP
ejif-2086	90	9	the	the	DET
ejif-2086	90	10	insurer	insurer	NOUN
ejif-2086	90	11	and	and	CCONJ
ejif-2086	90	12	the	the	DET
ejif-2086	90	13	insured	insure	VERB
ejif-2086	90	14	.	.	PUNCT
ejif-2086	91	1	responsibility	responsibility	NOUN
ejif-2086	91	2	of	of	ADP
ejif-2086	91	3	participants/	participants/	NUM
ejif-2086	91	4	policy	policy	NOUN
ejif-2086	91	5	holders	holder	NOUN
ejif-2086	91	6	participants	participant	NOUN
ejif-2086	91	7	contribute	contribute	VERB
ejif-2086	91	8	to	to	ADP
ejif-2086	91	9	the	the	DET
ejif-2086	91	10	scheme	scheme	NOUN
ejif-2086	91	11	and	and	CCONJ
ejif-2086	91	12	mutually	mutually	ADV
ejif-2086	91	13	guarantee	guarantee	VERB
ejif-2086	91	14	each	each	DET
ejif-2086	91	15	other	other	ADJ
ejif-2086	91	16	with	with	ADP
ejif-2086	91	17	the	the	DET
ejif-2086	91	18	pool	pool	NOUN
ejif-2086	91	19	of	of	ADP
ejif-2086	91	20	funds	fund	NOUN
ejif-2086	91	21	.	.	PUNCT
ejif-2086	92	1	policy	policy	NOUN
ejif-2086	92	2	holder	holder	NOUN
ejif-2086	92	3	pays	pay	VERB
ejif-2086	92	4	premium	premium	NOUN
ejif-2086	92	5	to	to	ADP
ejif-2086	92	6	the	the	DET
ejif-2086	92	7	insurer	insurer	NOUN
ejif-2086	92	8	liability	liability	NOUN
ejif-2086	92	9	of	of	ADP
ejif-2086	92	10	the	the	DET
ejif-2086	92	11	operator	operator	NOUN
ejif-2086	92	12	/	/	SYM
ejif-2086	92	13	insurer	insurer	NOUN
ejif-2086	92	14	takaful	takaful	ADJ
ejif-2086	92	15	operator	operator	NOUN
ejif-2086	92	16	manages	manage	VERB
ejif-2086	92	17	the	the	DET
ejif-2086	92	18	pool	pool	NOUN
ejif-2086	92	19	of	of	ADP
ejif-2086	92	20	funds	fund	NOUN
ejif-2086	92	21	and	and	CCONJ
ejif-2086	92	22	makes	make	VERB
ejif-2086	92	23	payment	payment	NOUN
ejif-2086	92	24	of	of	ADP
ejif-2086	92	25	claims	claim	NOUN
ejif-2086	92	26	from	from	ADP
ejif-2086	92	27	the	the	DET
ejif-2086	92	28	pool	pool	NOUN
ejif-2086	92	29	.	.	PUNCT
ejif-2086	93	1	if	if	SCONJ
ejif-2086	93	2	the	the	DET
ejif-2086	93	3	pool	pool	NOUN
ejif-2086	93	4	of	of	ADP
ejif-2086	93	5	funds	fund	NOUN
ejif-2086	93	6	is	be	AUX
ejif-2086	93	7	inadequate	inadequate	ADJ
ejif-2086	93	8	to	to	PART
ejif-2086	93	9	settle	settle	VERB
ejif-2086	93	10	claims	claim	NOUN
ejif-2086	93	11	,	,	PUNCT
ejif-2086	93	12	the	the	DET
ejif-2086	93	13	operator	operator	NOUN
ejif-2086	93	14	offers	offer	VERB
ejif-2086	93	15	an	an	DET
ejif-2086	93	16	interest	interest	NOUN
ejif-2086	93	17	free	free	ADJ
ejif-2086	93	18	loan	loan	NOUN
ejif-2086	93	19	.	.	PUNCT
ejif-2086	94	1	insurer	insurer	NOUN
ejif-2086	94	2	is	be	AUX
ejif-2086	94	3	liable	liable	ADJ
ejif-2086	94	4	to	to	PART
ejif-2086	94	5	pay	pay	VERB
ejif-2086	94	6	claims	claim	NOUN
ejif-2086	94	7	from	from	ADP
ejif-2086	94	8	its	its	PRON
ejif-2086	94	9	assets	asset	NOUN
ejif-2086	94	10	ejif	ejif	ADJ
ejif-2086	94	11	–	–	PUNCT
ejif-2086	94	12	european	european	PROPN
ejif-2086	94	13	journal	journal	PROPN
ejif-2086	94	14	of	of	ADP
ejif-2086	94	15	islamic	islamic	PROPN
ejif-2086	94	16	finance	finance	PROPN
ejif-2086	94	17	no8	no8	PROPN
ejif-2086	94	18	,	,	PUNCT
ejif-2086	94	19	december	december	PROPN
ejif-2086	94	20	(	(	PUNCT
ejif-2086	94	21	2017	2017	NUM
ejif-2086	94	22	)	)	PUNCT
ejif-2086	95	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	95	2	issn	issn	VERB
ejif-2086	95	3	2421	2421	NUM
ejif-2086	95	4	-	-	SYM
ejif-2086	95	5	2172	2172	NUM
ejif-2086	95	6	4	4	NUM
ejif-2086	95	7	investment	investment	NOUN
ejif-2086	95	8	of	of	ADP
ejif-2086	95	9	funds	fund	NOUN
ejif-2086	95	10	takaful	takaful	ADJ
ejif-2086	95	11	operator	operator	NOUN
ejif-2086	95	12	is	be	AUX
ejif-2086	95	13	bound	bind	VERB
ejif-2086	95	14	to	to	PART
ejif-2086	95	15	invest	invest	VERB
ejif-2086	95	16	only	only	ADV
ejif-2086	95	17	in	in	ADP
ejif-2086	95	18	shariah	shariah	PROPN
ejif-2086	95	19	compliant	compliant	ADJ
ejif-2086	95	20	avenues	avenue	NOUN
ejif-2086	95	21	.	.	PUNCT
ejif-2086	96	1	insurer	insurer	NOUN
ejif-2086	96	2	not	not	PART
ejif-2086	96	3	compelled	compel	VERB
ejif-2086	96	4	to	to	PART
ejif-2086	96	5	invest	invest	VERB
ejif-2086	96	6	in	in	ADP
ejif-2086	96	7	shariah	shariah	PROPN
ejif-2086	96	8	compliant	compliant	ADJ
ejif-2086	96	9	avenues	avenue	NOUN
ejif-2086	96	10	.	.	PUNCT
ejif-2086	97	1	risk	risk	NOUN
ejif-2086	97	2	treatment	treatment	NOUN
ejif-2086	97	3	takaful	takaful	ADJ
ejif-2086	97	4	is	be	AUX
ejif-2086	97	5	based	base	VERB
ejif-2086	97	6	on	on	ADP
ejif-2086	97	7	mutuality	mutuality	NOUN
ejif-2086	97	8	so	so	SCONJ
ejif-2086	97	9	risk	risk	NOUN
ejif-2086	97	10	is	be	AUX
ejif-2086	97	11	spread	spread	VERB
ejif-2086	97	12	among	among	ADP
ejif-2086	97	13	participant	participant	NOUN
ejif-2086	97	14	not	not	PART
ejif-2086	97	15	transferred	transfer	VERB
ejif-2086	97	16	to	to	ADP
ejif-2086	97	17	the	the	DET
ejif-2086	97	18	takaful	takaful	ADJ
ejif-2086	97	19	operator	operator	NOUN
ejif-2086	97	20	.	.	PUNCT
ejif-2086	98	1	risk	risk	NOUN
ejif-2086	98	2	is	be	AUX
ejif-2086	98	3	transferred	transfer	VERB
ejif-2086	98	4	from	from	ADP
ejif-2086	98	5	the	the	DET
ejif-2086	98	6	policy	policy	NOUN
ejif-2086	98	7	holder	holder	NOUN
ejif-2086	98	8	to	to	ADP
ejif-2086	98	9	the	the	DET
ejif-2086	98	10	insurer	insurer	NOUN
ejif-2086	98	11	in	in	ADP
ejif-2086	98	12	exchange	exchange	NOUN
ejif-2086	98	13	for	for	ADP
ejif-2086	98	14	premiums	premium	NOUN
ejif-2086	98	15	paid	pay	VERB
ejif-2086	98	16	.	.	PUNCT
ejif-2086	99	1	surplus	surplus	VERB
ejif-2086	99	2	any	any	DET
ejif-2086	99	3	surplus	surplus	NOUN
ejif-2086	99	4	from	from	ADP
ejif-2086	99	5	the	the	DET
ejif-2086	99	6	pool	pool	NOUN
ejif-2086	99	7	of	of	ADP
ejif-2086	99	8	funds	fund	NOUN
ejif-2086	99	9	belongs	belong	VERB
ejif-2086	99	10	to	to	ADP
ejif-2086	99	11	the	the	DET
ejif-2086	99	12	participants	participant	NOUN
ejif-2086	99	13	.	.	PUNCT
ejif-2086	100	1	surplus	surplus	NOUN
ejif-2086	100	2	belongs	belong	VERB
ejif-2086	100	3	to	to	ADP
ejif-2086	100	4	the	the	DET
ejif-2086	100	5	insurer	insurer	NOUN
ejif-2086	100	6	.	.	PUNCT
ejif-2086	101	1	shariah	shariah	PROPN
ejif-2086	101	2	noncompliant	noncompliant	ADJ
ejif-2086	101	3	elements	element	NOUN
ejif-2086	101	4	strict	strict	ADJ
ejif-2086	101	5	prohibition	prohibition	NOUN
ejif-2086	101	6	of	of	ADP
ejif-2086	101	7	shariah	shariah	PROPN
ejif-2086	101	8	noncompliant	noncompliant	ADJ
ejif-2086	101	9	elements	element	NOUN
ejif-2086	101	10	such	such	ADJ
ejif-2086	101	11	as	as	ADP
ejif-2086	101	12	riba	riba	NOUN
ejif-2086	101	13	,	,	PUNCT
ejif-2086	101	14	gharar	gharar	NOUN
ejif-2086	101	15	and	and	CCONJ
ejif-2086	101	16	maisir	maisir	NOUN
ejif-2086	101	17	no	no	DET
ejif-2086	101	18	restriction	restriction	NOUN
ejif-2086	101	19	on	on	ADP
ejif-2086	101	20	shariah	shariah	PROPN
ejif-2086	101	21	non	non	ADJ
ejif-2086	101	22	-	-	ADJ
ejif-2086	101	23	compliant	compliant	ADJ
ejif-2086	101	24	elements	element	NOUN
ejif-2086	101	25	.	.	PUNCT
ejif-2086	102	1	governance	governance	NOUN
ejif-2086	102	2	requires	require	VERB
ejif-2086	102	3	shariah	shariah	PROPN
ejif-2086	102	4	governance	governance	NOUN
ejif-2086	102	5	in	in	ADP
ejif-2086	102	6	addition	addition	NOUN
ejif-2086	102	7	to	to	ADP
ejif-2086	102	8	corporate	corporate	ADJ
ejif-2086	102	9	governance	governance	NOUN
ejif-2086	102	10	no	no	DET
ejif-2086	102	11	requirement	requirement	NOUN
ejif-2086	102	12	of	of	ADP
ejif-2086	102	13	shariah	shariah	PROPN
ejif-2086	102	14	governance	governance	NOUN
ejif-2086	102	15	.	.	PUNCT
ejif-2086	103	1	2.4	2.4	NUM
ejif-2086	103	2	history	history	NOUN
ejif-2086	103	3	of	of	ADP
ejif-2086	103	4	takaful	takaful	ADJ
ejif-2086	103	5	practice	practice	NOUN
ejif-2086	103	6	the	the	DET
ejif-2086	103	7	practice	practice	NOUN
ejif-2086	103	8	of	of	ADP
ejif-2086	103	9	takaful	takaful	ADJ
ejif-2086	103	10	concept	concept	NOUN
ejif-2086	103	11	pre	pre	VERB
ejif-2086	103	12	-	-	NOUN
ejif-2086	103	13	dates	date	VERB
ejif-2086	103	14	the	the	DET
ejif-2086	103	15	time	time	NOUN
ejif-2086	103	16	of	of	ADP
ejif-2086	103	17	the	the	DET
ejif-2086	103	18	prophet	prophet	NOUN
ejif-2086	103	19	.	.	PUNCT
ejif-2086	104	1	during	during	ADP
ejif-2086	104	2	the	the	DET
ejif-2086	104	3	jahilillyah	jahilillyah	NOUN
ejif-2086	104	4	(	(	PUNCT
ejif-2086	104	5	before	before	ADP
ejif-2086	104	6	the	the	DET
ejif-2086	104	7	coming	coming	NOUN
ejif-2086	104	8	of	of	ADP
ejif-2086	104	9	prophet	prophet	NOUN
ejif-2086	104	10	muhammad	muhammad	ADJ
ejif-2086	104	11	)	)	PUNCT
ejif-2086	104	12	period	period	NOUN
ejif-2086	104	13	,	,	PUNCT
ejif-2086	104	14	the	the	DET
ejif-2086	104	15	arab	arab	ADJ
ejif-2086	104	16	society	society	NOUN
ejif-2086	104	17	practiced	practice	VERB
ejif-2086	104	18	a	a	DET
ejif-2086	104	19	similar	similar	ADJ
ejif-2086	104	20	concept	concept	NOUN
ejif-2086	104	21	as	as	ADP
ejif-2086	104	22	part	part	NOUN
ejif-2086	104	23	of	of	ADP
ejif-2086	104	24	their	their	PRON
ejif-2086	104	25	culture	culture	NOUN
ejif-2086	104	26	and	and	CCONJ
ejif-2086	104	27	tradition	tradition	NOUN
ejif-2086	104	28	.	.	PUNCT
ejif-2086	105	1	they	they	PRON
ejif-2086	105	2	were	be	AUX
ejif-2086	105	3	found	find	VERB
ejif-2086	105	4	of	of	ADP
ejif-2086	105	5	mutually	mutually	ADV
ejif-2086	105	6	collaborating	collaborate	VERB
ejif-2086	105	7	mostly	mostly	ADV
ejif-2086	105	8	to	to	PART
ejif-2086	105	9	help	help	VERB
ejif-2086	105	10	the	the	DET
ejif-2086	105	11	family	family	NOUN
ejif-2086	105	12	of	of	ADP
ejif-2086	105	13	a	a	DET
ejif-2086	105	14	deceased	deceased	ADJ
ejif-2086	105	15	person	person	NOUN
ejif-2086	105	16	in	in	ADP
ejif-2086	105	17	fulfilling	fulfil	VERB
ejif-2086	105	18	funeral	funeral	ADJ
ejif-2086	105	19	rights	right	NOUN
ejif-2086	105	20	and	and	CCONJ
ejif-2086	105	21	provide	provide	VERB
ejif-2086	105	22	financial	financial	ADJ
ejif-2086	105	23	assistance	assistance	NOUN
ejif-2086	105	24	to	to	ADP
ejif-2086	105	25	such	such	ADJ
ejif-2086	105	26	families	family	NOUN
ejif-2086	105	27	.	.	PUNCT
ejif-2086	106	1	in	in	ADP
ejif-2086	106	2	some	some	DET
ejif-2086	106	3	cases	case	NOUN
ejif-2086	106	4	,	,	PUNCT
ejif-2086	106	5	it	it	PRON
ejif-2086	106	6	involved	involve	VERB
ejif-2086	106	7	contributing	contribute	VERB
ejif-2086	106	8	towards	towards	ADP
ejif-2086	106	9	the	the	DET
ejif-2086	106	10	payment	payment	NOUN
ejif-2086	106	11	of	of	ADP
ejif-2086	106	12	compensation	compensation	NOUN
ejif-2086	106	13	for	for	ADP
ejif-2086	106	14	the	the	DET
ejif-2086	106	15	murder	murder	NOUN
ejif-2086	106	16	of	of	ADP
ejif-2086	106	17	a	a	DET
ejif-2086	106	18	member	member	NOUN
ejif-2086	106	19	of	of	ADP
ejif-2086	106	20	another	another	DET
ejif-2086	106	21	tribe	tribe	NOUN
ejif-2086	106	22	.	.	PUNCT
ejif-2086	107	1	after	after	ADP
ejif-2086	107	2	the	the	DET
ejif-2086	107	3	coming	coming	NOUN
ejif-2086	107	4	of	of	ADP
ejif-2086	107	5	the	the	DET
ejif-2086	107	6	prophet	prophet	NOUN
ejif-2086	107	7	,	,	PUNCT
ejif-2086	107	8	some	some	PRON
ejif-2086	107	9	of	of	ADP
ejif-2086	107	10	the	the	DET
ejif-2086	107	11	jahiliyyah	jahiliyyah	PROPN
ejif-2086	107	12	practices	practice	NOUN
ejif-2086	107	13	were	be	AUX
ejif-2086	107	14	upheld	uphold	VERB
ejif-2086	107	15	provided	provide	VERB
ejif-2086	107	16	they	they	PRON
ejif-2086	107	17	did	do	AUX
ejif-2086	107	18	not	not	PART
ejif-2086	107	19	violate	violate	VERB
ejif-2086	107	20	principles	principle	NOUN
ejif-2086	107	21	of	of	ADP
ejif-2086	107	22	islam	islam	PROPN
ejif-2086	107	23	.	.	PUNCT
ejif-2086	108	1	the	the	DET
ejif-2086	108	2	practice	practice	NOUN
ejif-2086	108	3	of	of	ADP
ejif-2086	108	4	mutual	mutual	ADJ
ejif-2086	108	5	help	help	NOUN
ejif-2086	108	6	in	in	ADP
ejif-2086	108	7	mobilizing	mobilize	VERB
ejif-2086	108	8	compensation	compensation	NOUN
ejif-2086	108	9	for	for	ADP
ejif-2086	108	10	murder	murder	NOUN
ejif-2086	108	11	was	be	AUX
ejif-2086	108	12	among	among	ADP
ejif-2086	108	13	the	the	DET
ejif-2086	108	14	practices	practice	NOUN
ejif-2086	108	15	that	that	PRON
ejif-2086	108	16	were	be	AUX
ejif-2086	108	17	maintained	maintain	VERB
ejif-2086	108	18	as	as	SCONJ
ejif-2086	108	19	it	it	PRON
ejif-2086	108	20	was	be	AUX
ejif-2086	108	21	a	a	DET
ejif-2086	108	22	virtuous	virtuous	ADJ
ejif-2086	108	23	idea	idea	NOUN
ejif-2086	108	24	which	which	PRON
ejif-2086	108	25	significantly	significantly	ADV
ejif-2086	108	26	contributed	contribute	VERB
ejif-2086	108	27	in	in	ADP
ejif-2086	108	28	reducing	reduce	VERB
ejif-2086	108	29	tension	tension	NOUN
ejif-2086	108	30	among	among	ADP
ejif-2086	108	31	arab	arab	ADJ
ejif-2086	108	32	tribes	tribe	NOUN
ejif-2086	108	33	who	who	PRON
ejif-2086	108	34	were	be	AUX
ejif-2086	108	35	initially	initially	ADV
ejif-2086	108	36	more	more	ADV
ejif-2086	108	37	inclined	inclined	ADJ
ejif-2086	108	38	to	to	PART
ejif-2086	108	39	revenge	revenge	VERB
ejif-2086	108	40	rather	rather	ADV
ejif-2086	108	41	than	than	ADP
ejif-2086	108	42	accept	accept	VERB
ejif-2086	108	43	compensation	compensation	NOUN
ejif-2086	108	44	[	[	X
ejif-2086	108	45	30	30	NUM
ejif-2086	108	46	]	]	PUNCT
ejif-2086	108	47	.	.	PUNCT
ejif-2086	109	1	eventually	eventually	ADV
ejif-2086	109	2	,	,	PUNCT
ejif-2086	109	3	the	the	DET
ejif-2086	109	4	concept	concept	NOUN
ejif-2086	109	5	of	of	ADP
ejif-2086	109	6	mobilizing	mobilize	VERB
ejif-2086	109	7	compensation	compensation	NOUN
ejif-2086	109	8	(	(	PUNCT
ejif-2086	109	9	diyat	diyat	PROPN
ejif-2086	109	10	)	)	PUNCT
ejif-2086	109	11	by	by	ADP
ejif-2086	109	12	the	the	DET
ejif-2086	109	13	relatives	relative	NOUN
ejif-2086	109	14	(	(	PUNCT
ejif-2086	109	15	aqilah	aqilah	ADJ
ejif-2086	109	16	)	)	PUNCT
ejif-2086	109	17	of	of	ADP
ejif-2086	109	18	the	the	DET
ejif-2086	109	19	culprit	culprit	NOUN
ejif-2086	109	20	and	and	CCONJ
ejif-2086	109	21	making	make	VERB
ejif-2086	109	22	the	the	DET
ejif-2086	109	23	payment	payment	NOUN
ejif-2086	109	24	to	to	ADP
ejif-2086	109	25	the	the	DET
ejif-2086	109	26	heirs	heir	NOUN
ejif-2086	109	27	of	of	ADP
ejif-2086	109	28	the	the	DET
ejif-2086	109	29	victim	victim	NOUN
ejif-2086	109	30	became	become	VERB
ejif-2086	109	31	more	more	ADV
ejif-2086	109	32	organised	organised	ADJ
ejif-2086	109	33	.	.	PUNCT
ejif-2086	110	1	furthermore	furthermore	ADV
ejif-2086	110	2	,	,	PUNCT
ejif-2086	110	3	the	the	DET
ejif-2086	110	4	process	process	NOUN
ejif-2086	110	5	was	be	AUX
ejif-2086	110	6	recognised	recognise	VERB
ejif-2086	110	7	in	in	ADP
ejif-2086	110	8	the	the	DET
ejif-2086	110	9	constitution	constitution	NOUN
ejif-2086	110	10	of	of	ADP
ejif-2086	110	11	medina	medina	PROPN
ejif-2086	111	1	[	[	X
ejif-2086	111	2	28	28	NUM
ejif-2086	111	3	]	]	PUNCT
ejif-2086	111	4	.	.	PUNCT
ejif-2086	112	1	with	with	ADP
ejif-2086	112	2	the	the	DET
ejif-2086	112	3	growth	growth	NOUN
ejif-2086	112	4	of	of	ADP
ejif-2086	112	5	muslim	muslim	ADJ
ejif-2086	112	6	economies	economy	NOUN
ejif-2086	112	7	due	due	ADJ
ejif-2086	112	8	to	to	ADP
ejif-2086	112	9	expansion	expansion	NOUN
ejif-2086	112	10	of	of	ADP
ejif-2086	112	11	trade	trade	NOUN
ejif-2086	112	12	networks	network	NOUN
ejif-2086	112	13	,	,	PUNCT
ejif-2086	112	14	the	the	DET
ejif-2086	112	15	practice	practice	NOUN
ejif-2086	112	16	of	of	ADP
ejif-2086	112	17	takaful	takaful	ADJ
ejif-2086	112	18	became	become	VERB
ejif-2086	112	19	more	more	ADV
ejif-2086	112	20	like	like	ADP
ejif-2086	112	21	the	the	DET
ejif-2086	112	22	modernday	modernday	PROPN
ejif-2086	112	23	practice	practice	NOUN
ejif-2086	112	24	as	as	ADP
ejif-2086	112	25	merchants	merchant	NOUN
ejif-2086	112	26	engaged	engage	VERB
ejif-2086	112	27	in	in	ADP
ejif-2086	112	28	mutual	mutual	ADJ
ejif-2086	112	29	assistance	assistance	NOUN
ejif-2086	112	30	to	to	PART
ejif-2086	112	31	protect	protect	VERB
ejif-2086	112	32	their	their	PRON
ejif-2086	112	33	merchandise	merchandise	NOUN
ejif-2086	112	34	against	against	ADP
ejif-2086	112	35	any	any	DET
ejif-2086	112	36	mishap	mishap	NOUN
ejif-2086	112	37	while	while	SCONJ
ejif-2086	112	38	on	on	ADP
ejif-2086	112	39	transit	transit	NOUN
ejif-2086	112	40	through	through	ADP
ejif-2086	112	41	the	the	DET
ejif-2086	112	42	seas	sea	NOUN
ejif-2086	112	43	.	.	PUNCT
ejif-2086	113	1	3	3	X
ejif-2086	113	2	.	.	X
ejif-2086	113	3	overview	overview	NOUN
ejif-2086	113	4	of	of	ADP
ejif-2086	113	5	insurance	insurance	NOUN
ejif-2086	113	6	sector	sector	NOUN
ejif-2086	113	7	in	in	ADP
ejif-2086	113	8	nigeria	nigeria	PROPN
ejif-2086	113	9	despite	despite	SCONJ
ejif-2086	113	10	the	the	DET
ejif-2086	113	11	lack	lack	NOUN
ejif-2086	113	12	of	of	ADP
ejif-2086	113	13	a	a	DET
ejif-2086	113	14	unified	unified	ADJ
ejif-2086	113	15	framework	framework	NOUN
ejif-2086	113	16	for	for	ADP
ejif-2086	113	17	mandatory	mandatory	ADJ
ejif-2086	113	18	insurance	insurance	NOUN
ejif-2086	113	19	in	in	ADP
ejif-2086	113	20	nigeria	nigeria	PROPN
ejif-2086	113	21	,	,	PUNCT
ejif-2086	113	22	the	the	DET
ejif-2086	113	23	government	government	NOUN
ejif-2086	113	24	supports	support	VERB
ejif-2086	113	25	the	the	DET
ejif-2086	113	26	insurance	insurance	NOUN
ejif-2086	113	27	sector	sector	NOUN
ejif-2086	113	28	through	through	ADP
ejif-2086	113	29	several	several	ADJ
ejif-2086	113	30	laws	law	NOUN
ejif-2086	113	31	enacted	enact	VERB
ejif-2086	113	32	to	to	PART
ejif-2086	113	33	serve	serve	VERB
ejif-2086	113	34	as	as	ADP
ejif-2086	113	35	market	market	NOUN
ejif-2086	113	36	development	development	NOUN
ejif-2086	113	37	strategies	strategy	NOUN
ejif-2086	113	38	by	by	ADP
ejif-2086	113	39	making	make	VERB
ejif-2086	113	40	certain	certain	ADJ
ejif-2086	113	41	insurance	insurance	NOUN
ejif-2086	113	42	products	product	NOUN
ejif-2086	113	43	compulsory	compulsory	ADJ
ejif-2086	113	44	.	.	PUNCT
ejif-2086	114	1	such	such	ADJ
ejif-2086	114	2	provisions	provision	NOUN
ejif-2086	114	3	are	be	AUX
ejif-2086	114	4	presented	present	VERB
ejif-2086	114	5	in	in	ADP
ejif-2086	114	6	table	table	NOUN
ejif-2086	114	7	3	3	NUM
ejif-2086	114	8	.	.	PUNCT
ejif-2086	114	9	table	table	NOUN
ejif-2086	114	10	3	3	NUM
ejif-2086	114	11	.	.	PUNCT
ejif-2086	114	12	market	market	NOUN
ejif-2086	114	13	development	development	NOUN
ejif-2086	114	14	strategies	strategy	NOUN
ejif-2086	114	15	in	in	ADP
ejif-2086	114	16	nigerian	nigerian	ADJ
ejif-2086	114	17	insurance	insurance	NOUN
ejif-2086	114	18	industry	industry	NOUN
ejif-2086	114	19	provision	provision	NOUN
ejif-2086	114	20	details	detail	NOUN
ejif-2086	114	21	group	group	NOUN
ejif-2086	114	22	life	life	NOUN
ejif-2086	114	23	insurance	insurance	NOUN
ejif-2086	114	24	policy	policy	NOUN
ejif-2086	114	25	section	section	NOUN
ejif-2086	114	26	(	(	PUNCT
ejif-2086	114	27	4	4	NUM
ejif-2086	114	28	)	)	PUNCT
ejif-2086	114	29	sub	sub	NOUN
ejif-2086	114	30	-	-	NOUN
ejif-2086	114	31	section	section	NOUN
ejif-2086	114	32	(	(	PUNCT
ejif-2086	114	33	5	5	NUM
ejif-2086	114	34	)	)	PUNCT
ejif-2086	114	35	of	of	ADP
ejif-2086	114	36	the	the	DET
ejif-2086	114	37	pension	pension	NOUN
ejif-2086	114	38	reform	reform	NOUN
ejif-2086	114	39	act	act	PROPN
ejif-2086	114	40	2014	2014	NUM
ejif-2086	114	41	makes	make	VERB
ejif-2086	114	42	this	this	DET
ejif-2086	114	43	insurance	insurance	NOUN
ejif-2086	114	44	product	product	NOUN
ejif-2086	114	45	mandatory	mandatory	ADJ
ejif-2086	114	46	by	by	ADP
ejif-2086	114	47	the	the	DET
ejif-2086	114	48	following	follow	VERB
ejif-2086	114	49	clause	clause	NOUN
ejif-2086	114	50	:	:	PUNCT
ejif-2086	114	51	“	"	PUNCT
ejif-2086	114	52	every	every	DET
ejif-2086	114	53	employer	employer	NOUN
ejif-2086	114	54	shall	shall	AUX
ejif-2086	114	55	maintain	maintain	VERB
ejif-2086	114	56	a	a	DET
ejif-2086	114	57	group	group	NOUN
ejif-2086	114	58	life	life	NOUN
ejif-2086	114	59	insurance	insurance	NOUN
ejif-2086	114	60	policy	policy	NOUN
ejif-2086	114	61	in	in	ADP
ejif-2086	114	62	favour	favour	NOUN
ejif-2086	114	63	of	of	ADP
ejif-2086	114	64	each	each	DET
ejif-2086	114	65	employee	employee	NOUN
ejif-2086	114	66	for	for	ADP
ejif-2086	114	67	a	a	DET
ejif-2086	114	68	minimum	minimum	NOUN
ejif-2086	114	69	of	of	ADP
ejif-2086	114	70	three	three	NUM
ejif-2086	114	71	times	time	NOUN
ejif-2086	114	72	the	the	DET
ejif-2086	114	73	annual	annual	ADJ
ejif-2086	114	74	total	total	ADJ
ejif-2086	114	75	emolument	emolument	NOUN
ejif-2086	114	76	of	of	ADP
ejif-2086	114	77	the	the	DET
ejif-2086	114	78	employee	employee	NOUN
ejif-2086	114	79	and	and	CCONJ
ejif-2086	114	80	premium	premium	NOUN
ejif-2086	114	81	shall	shall	AUX
ejif-2086	114	82	be	be	AUX
ejif-2086	114	83	paid	pay	VERB
ejif-2086	114	84	not	not	PART
ejif-2086	114	85	later	later	ADV
ejif-2086	114	86	than	than	ADP
ejif-2086	114	87	the	the	DET
ejif-2086	114	88	date	date	NOUN
ejif-2086	114	89	of	of	ADP
ejif-2086	114	90	commencement	commencement	NOUN
ejif-2086	114	91	of	of	ADP
ejif-2086	114	92	the	the	DET
ejif-2086	114	93	cover	cover	NOUN
ejif-2086	114	94	”	"	PUNCT
ejif-2086	114	95	(	(	PUNCT
ejif-2086	114	96	national	national	ADJ
ejif-2086	114	97	pension	pension	PROPN
ejif-2086	114	98	commission	commission	PROPN
ejif-2086	114	99	,	,	PUNCT
ejif-2086	114	100	2014	2014	NUM
ejif-2086	114	101	)	)	PUNCT
ejif-2086	114	102	.	.	PUNCT
ejif-2086	115	1	employers	employer	NOUN
ejif-2086	115	2	liability	liability	VERB
ejif-2086	115	3	the	the	DET
ejif-2086	115	4	employees	employee	NOUN
ejif-2086	115	5	’	'	PUNCT
ejif-2086	115	6	compensation	compensation	PROPN
ejif-2086	115	7	act	act	NOUN
ejif-2086	115	8	2010	2010	NUM
ejif-2086	115	9	was	be	AUX
ejif-2086	115	10	enacted	enact	VERB
ejif-2086	115	11	to	to	PART
ejif-2086	115	12	make	make	VERB
ejif-2086	115	13	mandatory	mandatory	ADJ
ejif-2086	115	14	provisions	provision	NOUN
ejif-2086	115	15	for	for	ADP
ejif-2086	115	16	compensations	compensation	NOUN
ejif-2086	115	17	in	in	ADP
ejif-2086	115	18	case	case	NOUN
ejif-2086	115	19	of	of	ADP
ejif-2086	115	20	death	death	NOUN
ejif-2086	115	21	,	,	PUNCT
ejif-2086	115	22	injury	injury	NOUN
ejif-2086	115	23	,	,	PUNCT
ejif-2086	115	24	disease	disease	NOUN
ejif-2086	115	25	or	or	CCONJ
ejif-2086	115	26	disability	disability	NOUN
ejif-2086	115	27	arising	arise	VERB
ejif-2086	115	28	out	out	ADP
ejif-2086	115	29	of	of	ADP
ejif-2086	115	30	or	or	CCONJ
ejif-2086	115	31	in	in	ADP
ejif-2086	115	32	the	the	DET
ejif-2086	115	33	course	course	NOUN
ejif-2086	115	34	of	of	ADP
ejif-2086	115	35	employment	employment	NOUN
ejif-2086	115	36	;	;	PUNCT
ejif-2086	115	37	and	and	CCONJ
ejif-2086	115	38	for	for	ADP
ejif-2086	115	39	related	related	ADJ
ejif-2086	115	40	matters	matter	NOUN
ejif-2086	115	41	(	(	PUNCT
ejif-2086	115	42	nigeria	nigeria	X
ejif-2086	115	43	social	social	PROPN
ejif-2086	115	44	insurance	insurance	PROPN
ejif-2086	115	45	trust	trust	PROPN
ejif-2086	115	46	fund	fund	PROPN
ejif-2086	115	47	,	,	PUNCT
ejif-2086	115	48	2010	2010	NUM
ejif-2086	115	49	)	)	PUNCT
ejif-2086	115	50	.	.	PUNCT
ejif-2086	116	1	buildings	building	NOUN
ejif-2086	116	2	under	under	ADP
ejif-2086	116	3	construction	construction	NOUN
ejif-2086	116	4	section	section	NOUN
ejif-2086	116	5	64	64	NUM
ejif-2086	116	6	(	(	PUNCT
ejif-2086	116	7	1	1	NUM
ejif-2086	116	8	)	)	PUNCT
ejif-2086	116	9	of	of	ADP
ejif-2086	116	10	the	the	DET
ejif-2086	116	11	insurance	insurance	NOUN
ejif-2086	116	12	act	act	NOUN
ejif-2086	116	13	2003	2003	NUM
ejif-2086	116	14	makes	make	VERB
ejif-2086	116	15	provision	provision	NOUN
ejif-2086	116	16	for	for	ADP
ejif-2086	116	17	compulsory	compulsory	ADJ
ejif-2086	116	18	insurance	insurance	NOUN
ejif-2086	116	19	of	of	ADP
ejif-2086	116	20	certain	certain	ADJ
ejif-2086	116	21	category	category	NOUN
ejif-2086	116	22	of	of	ADP
ejif-2086	116	23	buildings	building	NOUN
ejif-2086	116	24	under	under	ADP
ejif-2086	116	25	construction	construction	NOUN
ejif-2086	116	26	as	as	SCONJ
ejif-2086	116	27	stated	state	VERB
ejif-2086	116	28	:	:	PUNCT
ejif-2086	116	29	“	"	PUNCT
ejif-2086	116	30	no	no	DET
ejif-2086	116	31	person	person	NOUN
ejif-2086	116	32	shall	shall	AUX
ejif-2086	116	33	cause	cause	VERB
ejif-2086	116	34	to	to	PART
ejif-2086	116	35	be	be	AUX
ejif-2086	116	36	constructed	construct	VERB
ejif-2086	116	37	any	any	DET
ejif-2086	116	38	building	building	NOUN
ejif-2086	116	39	of	of	ADP
ejif-2086	116	40	more	more	ADJ
ejif-2086	116	41	than	than	ADP
ejif-2086	116	42	two	two	NUM
ejif-2086	116	43	floors	floor	NOUN
ejif-2086	116	44	without	without	ADP
ejif-2086	116	45	insuring	insure	VERB
ejif-2086	116	46	with	with	ADP
ejif-2086	116	47	a	a	DET
ejif-2086	116	48	registered	registered	ADJ
ejif-2086	116	49	insurer	insurer	NOUN
ejif-2086	116	50	his	his	PRON
ejif-2086	116	51	liability	liability	NOUN
ejif-2086	116	52	in	in	ADP
ejif-2086	116	53	respect	respect	NOUN
ejif-2086	116	54	of	of	ADP
ejif-2086	116	55	construction	construction	NOUN
ejif-2086	116	56	risks	risk	NOUN
ejif-2086	116	57	caused	cause	VERB
ejif-2086	116	58	by	by	ADP
ejif-2086	116	59	his	his	PRON
ejif-2086	116	60	negligence	negligence	NOUN
ejif-2086	116	61	or	or	CCONJ
ejif-2086	116	62	the	the	DET
ejif-2086	116	63	negligence	negligence	NOUN
ejif-2086	116	64	of	of	ADP
ejif-2086	116	65	his	his	PRON
ejif-2086	116	66	servants	servant	NOUN
ejif-2086	116	67	,	,	PUNCT
ejif-2086	116	68	agents	agent	NOUN
ejif-2086	116	69	or	or	CCONJ
ejif-2086	116	70	consultants	consultant	NOUN
ejif-2086	116	71	which	which	PRON
ejif-2086	116	72	may	may	AUX
ejif-2086	116	73	result	result	VERB
ejif-2086	116	74	in	in	ADP
ejif-2086	116	75	bodily	bodily	ADJ
ejif-2086	116	76	injury	injury	NOUN
ejif-2086	116	77	or	or	CCONJ
ejif-2086	116	78	loss	loss	NOUN
ejif-2086	116	79	of	of	ADP
ejif-2086	116	80	life	life	NOUN
ejif-2086	116	81	to	to	ADP
ejif-2086	116	82	or	or	CCONJ
ejif-2086	116	83	damage	damage	VERB
ejif-2086	116	84	to	to	ADP
ejif-2086	116	85	property	property	NOUN
ejif-2086	116	86	of	of	ADP
ejif-2086	116	87	any	any	DET
ejif-2086	116	88	workman	workman	NOUN
ejif-2086	116	89	on	on	ADP
ejif-2086	116	90	the	the	DET
ejif-2086	116	91	site	site	NOUN
ejif-2086	116	92	or	or	CCONJ
ejif-2086	116	93	of	of	ADP
ejif-2086	116	94	any	any	DET
ejif-2086	116	95	member	member	NOUN
ejif-2086	116	96	of	of	ADP
ejif-2086	116	97	the	the	DET
ejif-2086	116	98	public	public	NOUN
ejif-2086	116	99	”	"	PUNCT
ejif-2086	116	100	(	(	PUNCT
ejif-2086	116	101	national	national	PROPN
ejif-2086	116	102	insurance	insurance	PROPN
ejif-2086	116	103	commission	commission	PROPN
ejif-2086	116	104	,	,	PUNCT
ejif-2086	116	105	2003	2003	NUM
ejif-2086	116	106	)	)	PUNCT
ejif-2086	116	107	.	.	PUNCT
ejif-2086	117	1	public	public	ADJ
ejif-2086	117	2	buildings	building	NOUN
ejif-2086	117	3	section	section	NOUN
ejif-2086	117	4	64	64	NUM
ejif-2086	117	5	(	(	PUNCT
ejif-2086	117	6	1	1	NUM
ejif-2086	117	7	)	)	PUNCT
ejif-2086	117	8	of	of	ADP
ejif-2086	117	9	the	the	DET
ejif-2086	117	10	insurance	insurance	NOUN
ejif-2086	117	11	act	act	NOUN
ejif-2086	117	12	2003	2003	NUM
ejif-2086	117	13	makes	make	VERB
ejif-2086	117	14	insurance	insurance	NOUN
ejif-2086	117	15	mandatory	mandatory	ADJ
ejif-2086	117	16	for	for	ADP
ejif-2086	117	17	public	public	ADJ
ejif-2086	117	18	buildings	building	NOUN
ejif-2086	117	19	as	as	SCONJ
ejif-2086	117	20	stated	state	VERB
ejif-2086	117	21	:	:	PUNCT
ejif-2086	117	22	“	"	PUNCT
ejif-2086	117	23	every	every	DET
ejif-2086	117	24	public	public	ADJ
ejif-2086	117	25	building	building	NOUN
ejif-2086	117	26	shall	shall	AUX
ejif-2086	117	27	be	be	AUX
ejif-2086	117	28	insured	insure	VERB
ejif-2086	117	29	with	with	ADP
ejif-2086	117	30	a	a	DET
ejif-2086	117	31	registered	registered	ADJ
ejif-2086	117	32	insurer	insurer	NOUN
ejif-2086	117	33	against	against	ADP
ejif-2086	117	34	the	the	DET
ejif-2086	117	35	hazards	hazard	NOUN
ejif-2086	117	36	of	of	ADP
ejif-2086	117	37	collapse	collapse	NOUN
ejif-2086	117	38	,	,	PUNCT
ejif-2086	117	39	fire	fire	NOUN
ejif-2086	117	40	,	,	PUNCT
ejif-2086	117	41	earthquake	earthquake	NOUN
ejif-2086	117	42	,	,	PUNCT
ejif-2086	117	43	storm	storm	NOUN
ejif-2086	117	44	and	and	CCONJ
ejif-2086	117	45	flood	flood	NOUN
ejif-2086	117	46	”	"	PUNCT
ejif-2086	117	47	(	(	PUNCT
ejif-2086	117	48	national	national	PROPN
ejif-2086	117	49	insurance	insurance	PROPN
ejif-2086	117	50	commission	commission	PROPN
ejif-2086	117	51	,	,	PUNCT
ejif-2086	117	52	2003	2003	NUM
ejif-2086	117	53	)	)	PUNCT
ejif-2086	117	54	.	.	PUNCT
ejif-2086	118	1	third	third	ADJ
ejif-2086	118	2	party	party	PROPN
ejif-2086	118	3	property	property	NOUN
ejif-2086	118	4	damage	damage	NOUN
ejif-2086	118	5	section	section	NOUN
ejif-2086	118	6	68	68	NUM
ejif-2086	118	7	(	(	PUNCT
ejif-2086	118	8	1	1	NUM
ejif-2086	118	9	)	)	PUNCT
ejif-2086	118	10	of	of	ADP
ejif-2086	118	11	the	the	DET
ejif-2086	118	12	insurance	insurance	NOUN
ejif-2086	118	13	act	act	NOUN
ejif-2086	118	14	2003	2003	NUM
ejif-2086	118	15	makes	make	VERB
ejif-2086	118	16	provision	provision	NOUN
ejif-2086	118	17	for	for	ADP
ejif-2086	118	18	compulsory	compulsory	ADJ
ejif-2086	118	19	insurance	insurance	NOUN
ejif-2086	118	20	against	against	ADP
ejif-2086	118	21	third	third	ADJ
ejif-2086	118	22	party	party	NOUN
ejif-2086	118	23	property	property	NOUN
ejif-2086	118	24	damage	damage	NOUN
ejif-2086	118	25	in	in	ADP
ejif-2086	118	26	the	the	DET
ejif-2086	118	27	case	case	NOUN
ejif-2086	118	28	of	of	ADP
ejif-2086	118	29	motor	motor	NOUN
ejif-2086	118	30	vehicle	vehicle	NOUN
ejif-2086	118	31	as	as	SCONJ
ejif-2086	118	32	stated	state	VERB
ejif-2086	118	33	:	:	PUNCT
ejif-2086	118	34	“	"	PUNCT
ejif-2086	118	35	no	no	DET
ejif-2086	118	36	person	person	NOUN
ejif-2086	118	37	shall	shall	AUX
ejif-2086	118	38	use	use	VERB
ejif-2086	118	39	or	or	CCONJ
ejif-2086	118	40	cause	cause	VERB
ejif-2086	118	41	or	or	CCONJ
ejif-2086	118	42	permit	permit	VERB
ejif-2086	118	43	any	any	DET
ejif-2086	118	44	other	other	ADJ
ejif-2086	118	45	person	person	NOUN
ejif-2086	118	46	to	to	PART
ejif-2086	118	47	use	use	VERB
ejif-2086	118	48	a	a	DET
ejif-2086	118	49	motor	motor	NOUN
ejif-2086	118	50	vehicle	vehicle	NOUN
ejif-2086	118	51	on	on	ADP
ejif-2086	118	52	a	a	DET
ejif-2086	118	53	road	road	NOUN
ejif-2086	118	54	unless	unless	SCONJ
ejif-2086	118	55	a	a	DET
ejif-2086	118	56	liability	liability	NOUN
ejif-2086	118	57	which	which	PRON
ejif-2086	118	58	he	he	PRON
ejif-2086	118	59	may	may	AUX
ejif-2086	118	60	thereby	thereby	ADV
ejif-2086	118	61	incur	incur	VERB
ejif-2086	118	62	in	in	ADP
ejif-2086	118	63	respect	respect	NOUN
ejif-2086	118	64	of	of	ADP
ejif-2086	118	65	damage	damage	NOUN
ejif-2086	118	66	to	to	ADP
ejif-2086	118	67	the	the	DET
ejif-2086	118	68	property	property	NOUN
ejif-2086	118	69	of	of	ADP
ejif-2086	118	70	third	third	ADJ
ejif-2086	118	71	parties	party	NOUN
ejif-2086	118	72	is	be	AUX
ejif-2086	118	73	insured	insure	VERB
ejif-2086	118	74	with	with	ADP
ejif-2086	118	75	an	an	DET
ejif-2086	118	76	insurer	insurer	NOUN
ejif-2086	118	77	registered	register	VERB
ejif-2086	118	78	under	under	ADP
ejif-2086	118	79	this	this	DET
ejif-2086	118	80	act	act	NOUN
ejif-2086	118	81	”	"	PUNCT
ejif-2086	118	82	(	(	PUNCT
ejif-2086	118	83	national	national	PROPN
ejif-2086	118	84	insurance	insurance	PROPN
ejif-2086	118	85	commission	commission	PROPN
ejif-2086	118	86	,	,	PUNCT
ejif-2086	118	87	2003	2003	NUM
ejif-2086	118	88	)	)	PUNCT
ejif-2086	118	89	.	.	PUNCT
ejif-2086	119	1	health	health	NOUN
ejif-2086	119	2	care	care	PROPN
ejif-2086	119	3	professional	professional	ADJ
ejif-2086	119	4	indemnity	indemnity	NOUN
ejif-2086	119	5	insurance	insurance	NOUN
ejif-2086	119	6	sequel	sequel	NOUN
ejif-2086	119	7	to	to	ADP
ejif-2086	119	8	the	the	DET
ejif-2086	119	9	enactment	enactment	NOUN
ejif-2086	119	10	of	of	ADP
ejif-2086	119	11	the	the	DET
ejif-2086	119	12	national	national	PROPN
ejif-2086	119	13	health	health	PROPN
ejif-2086	119	14	insurance	insurance	NOUN
ejif-2086	119	15	scheme	scheme	NOUN
ejif-2086	119	16	(	(	PUNCT
ejif-2086	119	17	nhis	nhis	NOUN
ejif-2086	119	18	)	)	PUNCT
ejif-2086	119	19	act	act	PROPN
ejif-2086	119	20	,	,	PUNCT
ejif-2086	119	21	health	health	NOUN
ejif-2086	119	22	care	care	NOUN
ejif-2086	119	23	professional	professional	ADJ
ejif-2086	119	24	indemnity	indemnity	NOUN
ejif-2086	119	25	insurance	insurance	NOUN
ejif-2086	119	26	becomes	become	VERB
ejif-2086	119	27	compulsory	compulsory	ADJ
ejif-2086	119	28	for	for	ADP
ejif-2086	119	29	health	health	NOUN
ejif-2086	119	30	care	care	NOUN
ejif-2086	119	31	providers	provider	NOUN
ejif-2086	119	32	as	as	SCONJ
ejif-2086	119	33	stated	state	VERB
ejif-2086	119	34	:	:	PUNCT
ejif-2086	119	35	“	"	PUNCT
ejif-2086	119	36	a	a	DET
ejif-2086	119	37	health	health	NOUN
ejif-2086	119	38	care	care	NOUN
ejif-2086	119	39	provider	provider	NOUN
ejif-2086	119	40	(	(	PUNCT
ejif-2086	119	41	medical	medical	ADJ
ejif-2086	119	42	centre	centre	NOUN
ejif-2086	119	43	,	,	PUNCT
ejif-2086	119	44	institution	institution	NOUN
ejif-2086	119	45	or	or	CCONJ
ejif-2086	119	46	professional	professional	NOUN
ejif-2086	119	47	)	)	PUNCT
ejif-2086	119	48	shall	shall	AUX
ejif-2086	119	49	be	be	AUX
ejif-2086	119	50	required	require	VERB
ejif-2086	119	51	to	to	PART
ejif-2086	119	52	take	take	VERB
ejif-2086	119	53	a	a	DET
ejif-2086	119	54	professional	professional	ADJ
ejif-2086	119	55	indemnity	indemnity	NOUN
ejif-2086	119	56	cover	cover	NOUN
ejif-2086	119	57	from	from	ADP
ejif-2086	119	58	an	an	DET
ejif-2086	119	59	insurance	insurance	NOUN
ejif-2086	119	60	company	company	NOUN
ejif-2086	119	61	approved	approve	VERB
ejif-2086	119	62	by	by	ADP
ejif-2086	119	63	the	the	DET
ejif-2086	119	64	council	council	NOUN
ejif-2086	119	65	”	"	PUNCT
ejif-2086	119	66	(	(	PUNCT
ejif-2086	119	67	national	national	PROPN
ejif-2086	119	68	health	health	NOUN
ejif-2086	119	69	insurance	insurance	NOUN
ejif-2086	119	70	scheme	scheme	NOUN
ejif-2086	119	71	,	,	PUNCT
ejif-2086	119	72	1999	1999	NUM
ejif-2086	119	73	)	)	PUNCT
ejif-2086	119	74	.	.	PUNCT
ejif-2086	120	1	agricultural	agricultural	ADJ
ejif-2086	120	2	insurance	insurance	NOUN
ejif-2086	120	3	the	the	DET
ejif-2086	120	4	nigerian	nigerian	ADJ
ejif-2086	120	5	agriculture	agriculture	NOUN
ejif-2086	120	6	insurance	insurance	NOUN
ejif-2086	120	7	corporation	corporation	PROPN
ejif-2086	120	8	decree	decree	PROPN
ejif-2086	120	9	n0	n0	PROPN
ejif-2086	120	10	.	.	PROPN
ejif-2086	121	1	37	37	NUM
ejif-2086	121	2	of	of	ADP
ejif-2086	121	3	1993	1993	NUM
ejif-2086	121	4	imposes	impose	VERB
ejif-2086	121	5	a	a	DET
ejif-2086	121	6	mandatory	mandatory	ADJ
ejif-2086	121	7	insurance	insurance	NOUN
ejif-2086	121	8	requirement	requirement	NOUN
ejif-2086	121	9	for	for	ADP
ejif-2086	121	10	beneficiaries	beneficiary	NOUN
ejif-2086	121	11	of	of	ADP
ejif-2086	121	12	agricultural	agricultural	ADJ
ejif-2086	121	13	loan	loan	NOUN
ejif-2086	121	14	as	as	SCONJ
ejif-2086	121	15	stated	state	VERB
ejif-2086	121	16	in	in	ADP
ejif-2086	121	17	section	section	NOUN
ejif-2086	121	18	13	13	NUM
ejif-2086	121	19	:	:	PUNCT
ejif-2086	121	20	“	"	PUNCT
ejif-2086	121	21	…	…	PUNCT
ejif-2086	121	22	where	where	SCONJ
ejif-2086	121	23	the	the	DET
ejif-2086	121	24	farmer	farmer	NOUN
ejif-2086	121	25	is	be	AUX
ejif-2086	121	26	also	also	ADV
ejif-2086	121	27	a	a	DET
ejif-2086	121	28	beneficiary	beneficiary	NOUN
ejif-2086	121	29	of	of	ADP
ejif-2086	121	30	an	an	DET
ejif-2086	121	31	agricultural	agricultural	ADJ
ejif-2086	121	32	loan	loan	NOUN
ejif-2086	121	33	or	or	CCONJ
ejif-2086	121	34	credit	credit	NOUN
ejif-2086	121	35	from	from	ADP
ejif-2086	121	36	the	the	DET
ejif-2086	121	37	government	government	NOUN
ejif-2086	121	38	,	,	PUNCT
ejif-2086	121	39	a	a	DET
ejif-2086	121	40	bank	bank	NOUN
ejif-2086	121	41	or	or	CCONJ
ejif-2086	121	42	other	other	ADJ
ejif-2086	121	43	financial	financial	ADJ
ejif-2086	121	44	institution	institution	NOUN
ejif-2086	121	45	(	(	PUNCT
ejif-2086	121	46	in	in	ADP
ejif-2086	121	47	this	this	DET
ejif-2086	121	48	decree	decree	NOUN
ejif-2086	121	49	referred	refer	VERB
ejif-2086	121	50	to	to	ADP
ejif-2086	121	51	as	as	ADP
ejif-2086	121	52	"	"	PUNCT
ejif-2086	121	53	lending	lending	NOUN
ejif-2086	121	54	institution	institution	NOUN
ejif-2086	121	55	"	"	PUNCT
ejif-2086	121	56	)	)	PUNCT
ejif-2086	121	57	he	he	PRON
ejif-2086	121	58	shall	shall	AUX
ejif-2086	121	59	take	take	VERB
ejif-2086	121	60	out	out	ADP
ejif-2086	121	61	an	an	DET
ejif-2086	121	62	insurance	insurance	NOUN
ejif-2086	121	63	cover	cover	NOUN
ejif-2086	121	64	under	under	ADP
ejif-2086	121	65	the	the	DET
ejif-2086	121	66	scheme	scheme	NOUN
ejif-2086	121	67	”	"	PUNCT
ejif-2086	121	68	(	(	PUNCT
ejif-2086	121	69	nigerian	nigerian	ADJ
ejif-2086	121	70	agriculture	agriculture	NOUN
ejif-2086	121	71	insurance	insurance	NOUN
ejif-2086	121	72	corporation	corporation	NOUN
ejif-2086	121	73	,	,	PUNCT
ejif-2086	121	74	1993	1993	NUM
ejif-2086	121	75	)	)	PUNCT
ejif-2086	121	76	.	.	PUNCT
ejif-2086	122	1	in	in	ADP
ejif-2086	122	2	view	view	NOUN
ejif-2086	122	3	of	of	ADP
ejif-2086	122	4	the	the	DET
ejif-2086	122	5	aforementioned	aforementioned	ADJ
ejif-2086	122	6	legal	legal	ADJ
ejif-2086	122	7	provisions	provision	NOUN
ejif-2086	122	8	,	,	PUNCT
ejif-2086	122	9	it	it	PRON
ejif-2086	122	10	is	be	AUX
ejif-2086	122	11	apparently	apparently	ADV
ejif-2086	122	12	clear	clear	ADJ
ejif-2086	122	13	that	that	SCONJ
ejif-2086	122	14	the	the	DET
ejif-2086	122	15	nigerian	nigerian	ADJ
ejif-2086	122	16	government	government	NOUN
ejif-2086	122	17	has	have	AUX
ejif-2086	122	18	duly	duly	ADV
ejif-2086	122	19	exercised	exercise	VERB
ejif-2086	122	20	its	its	PRON
ejif-2086	122	21	powers	power	NOUN
ejif-2086	122	22	in	in	ADP
ejif-2086	122	23	facilitating	facilitate	VERB
ejif-2086	122	24	the	the	DET
ejif-2086	122	25	development	development	NOUN
ejif-2086	122	26	of	of	ADP
ejif-2086	122	27	the	the	DET
ejif-2086	122	28	insurance	insurance	NOUN
ejif-2086	122	29	industry	industry	NOUN
ejif-2086	122	30	by	by	ADP
ejif-2086	122	31	enacting	enact	VERB
ejif-2086	122	32	several	several	ADJ
ejif-2086	122	33	laws	law	NOUN
ejif-2086	122	34	which	which	PRON
ejif-2086	122	35	create	create	VERB
ejif-2086	122	36	a	a	DET
ejif-2086	122	37	market	market	NOUN
ejif-2086	122	38	for	for	ADP
ejif-2086	122	39	insurance	insurance	NOUN
ejif-2086	122	40	.	.	PUNCT
ejif-2086	123	1	ejif	ejif	PROPN
ejif-2086	123	2	–	–	PUNCT
ejif-2086	123	3	european	european	PROPN
ejif-2086	123	4	journal	journal	PROPN
ejif-2086	123	5	of	of	ADP
ejif-2086	123	6	islamic	islamic	PROPN
ejif-2086	123	7	finance	finance	PROPN
ejif-2086	123	8	no8	no8	PROPN
ejif-2086	123	9	,	,	PUNCT
ejif-2086	123	10	december	december	PROPN
ejif-2086	123	11	(	(	PUNCT
ejif-2086	123	12	2017	2017	NUM
ejif-2086	123	13	)	)	PUNCT
ejif-2086	124	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	124	2	issn	issn	VERB
ejif-2086	124	3	2421	2421	NUM
ejif-2086	124	4	-	-	SYM
ejif-2086	124	5	2172	2172	NUM
ejif-2086	124	6	5	5	NUM
ejif-2086	124	7	4	4	NUM
ejif-2086	124	8	.	.	PUNCT
ejif-2086	124	9	takaful	takaful	ADJ
ejif-2086	124	10	in	in	ADP
ejif-2086	124	11	nigeria	nigeria	PROPN
ejif-2086	124	12	:	:	PUNCT
ejif-2086	124	13	history	history	NOUN
ejif-2086	124	14	and	and	CCONJ
ejif-2086	124	15	current	current	ADJ
ejif-2086	124	16	-	-	PUNCT
ejif-2086	124	17	status	status	NOUN
ejif-2086	124	18	unlike	unlike	ADP
ejif-2086	124	19	the	the	DET
ejif-2086	124	20	experience	experience	NOUN
ejif-2086	124	21	of	of	ADP
ejif-2086	124	22	most	most	ADJ
ejif-2086	124	23	countries	country	NOUN
ejif-2086	124	24	where	where	SCONJ
ejif-2086	124	25	takaful	takaful	ADJ
ejif-2086	124	26	is	be	AUX
ejif-2086	124	27	established	establish	VERB
ejif-2086	124	28	after	after	ADP
ejif-2086	124	29	the	the	DET
ejif-2086	124	30	introduction	introduction	NOUN
ejif-2086	124	31	of	of	ADP
ejif-2086	124	32	islamic	islamic	ADJ
ejif-2086	124	33	banking	banking	NOUN
ejif-2086	124	34	,	,	PUNCT
ejif-2086	124	35	the	the	DET
ejif-2086	124	36	story	story	NOUN
ejif-2086	124	37	is	be	AUX
ejif-2086	124	38	unique	unique	ADJ
ejif-2086	124	39	in	in	ADP
ejif-2086	124	40	nigeria	nigeria	PROPN
ejif-2086	124	41	where	where	SCONJ
ejif-2086	124	42	takaful	takaful	ADJ
ejif-2086	124	43	preceded	precede	VERB
ejif-2086	124	44	islamic	islamic	ADJ
ejif-2086	124	45	banking	banking	NOUN
ejif-2086	124	46	by	by	ADP
ejif-2086	124	47	about	about	ADV
ejif-2086	124	48	a	a	PRON
ejif-2086	124	49	decade	decade	NOUN
ejif-2086	124	50	[	[	X
ejif-2086	124	51	2	2	NUM
ejif-2086	124	52	]	]	PUNCT
ejif-2086	124	53	.	.	PUNCT
ejif-2086	125	1	the	the	DET
ejif-2086	125	2	history	history	NOUN
ejif-2086	125	3	of	of	ADP
ejif-2086	125	4	takaful	takaful	NOUN
ejif-2086	125	5	in	in	ADP
ejif-2086	125	6	nigeria	nigeria	PROPN
ejif-2086	125	7	began	begin	VERB
ejif-2086	125	8	in	in	ADP
ejif-2086	125	9	2004	2004	NUM
ejif-2086	125	10	when	when	SCONJ
ejif-2086	125	11	african	african	ADJ
ejif-2086	125	12	alliance	alliance	NOUN
ejif-2086	125	13	insurance	insurance	NOUN
ejif-2086	125	14	company	company	PROPN
ejif-2086	125	15	limited	limit	VERB
ejif-2086	125	16	introduced	introduce	VERB
ejif-2086	125	17	takaful	takaful	ADJ
ejif-2086	125	18	services	service	NOUN
ejif-2086	125	19	to	to	ADP
ejif-2086	125	20	the	the	DET
ejif-2086	125	21	public	public	NOUN
ejif-2086	125	22	in	in	ADP
ejif-2086	125	23	addition	addition	NOUN
ejif-2086	125	24	to	to	ADP
ejif-2086	125	25	its	its	PRON
ejif-2086	125	26	conventional	conventional	ADJ
ejif-2086	125	27	insurance	insurance	NOUN
ejif-2086	125	28	services	service	NOUN
ejif-2086	125	29	.	.	PUNCT
ejif-2086	126	1	being	be	AUX
ejif-2086	126	2	the	the	DET
ejif-2086	126	3	oldest	old	ADJ
ejif-2086	126	4	life	life	NOUN
ejif-2086	126	5	assurance	assurance	NOUN
ejif-2086	126	6	company	company	NOUN
ejif-2086	126	7	in	in	ADP
ejif-2086	126	8	the	the	DET
ejif-2086	126	9	country	country	NOUN
ejif-2086	126	10	,	,	PUNCT
ejif-2086	126	11	african	african	ADJ
ejif-2086	126	12	alliance	alliance	NOUN
ejif-2086	126	13	insurance	insurance	NOUN
ejif-2086	126	14	company	company	NOUN
ejif-2086	126	15	offered	offer	VERB
ejif-2086	126	16	family	family	NOUN
ejif-2086	126	17	takaful	takaful	ADJ
ejif-2086	126	18	package	package	NOUN
ejif-2086	126	19	comprising	comprising	NOUN
ejif-2086	126	20	of	of	ADP
ejif-2086	126	21	protection	protection	NOUN
ejif-2086	126	22	and	and	CCONJ
ejif-2086	126	23	savings	saving	NOUN
ejif-2086	126	24	element	element	NOUN
ejif-2086	126	25	as	as	ADP
ejif-2086	126	26	a	a	DET
ejif-2086	126	27	shariah	shariah	PROPN
ejif-2086	126	28	compliant	compliant	ADJ
ejif-2086	126	29	alternative	alternative	NOUN
ejif-2086	126	30	to	to	ADP
ejif-2086	126	31	conventional	conventional	ADJ
ejif-2086	126	32	life	life	NOUN
ejif-2086	126	33	assurance	assurance	NOUN
ejif-2086	126	34	scheme	scheme	NOUN
ejif-2086	126	35	[	[	X
ejif-2086	126	36	15	15	NUM
ejif-2086	126	37	]	]	PUNCT
ejif-2086	126	38	.	.	PUNCT
ejif-2086	127	1	eventually	eventually	ADV
ejif-2086	127	2	,	,	PUNCT
ejif-2086	127	3	niger	niger	PROPN
ejif-2086	127	4	insurance	insurance	PROPN
ejif-2086	127	5	plc	plc	PROPN
ejif-2086	127	6	and	and	CCONJ
ejif-2086	127	7	cornerstone	cornerstone	NOUN
ejif-2086	127	8	insurance	insurance	PROPN
ejif-2086	127	9	plc	plc	PROPN
ejif-2086	127	10	followed	follow	VERB
ejif-2086	127	11	suit	suit	NOUN
ejif-2086	127	12	in	in	ADP
ejif-2086	127	13	view	view	NOUN
ejif-2086	127	14	of	of	ADP
ejif-2086	127	15	the	the	DET
ejif-2086	127	16	great	great	ADJ
ejif-2086	127	17	potentials	potential	NOUN
ejif-2086	127	18	for	for	ADP
ejif-2086	127	19	takaful	takaful	ADJ
ejif-2086	127	20	operations	operation	NOUN
ejif-2086	127	21	in	in	ADP
ejif-2086	127	22	the	the	DET
ejif-2086	127	23	nigerian	nigerian	ADJ
ejif-2086	127	24	market	market	NOUN
ejif-2086	127	25	.	.	PUNCT
ejif-2086	128	1	very	very	ADV
ejif-2086	128	2	recently	recently	ADV
ejif-2086	128	3	,	,	PUNCT
ejif-2086	128	4	noor	noor	PROPN
ejif-2086	128	5	takaful	takaful	PROPN
ejif-2086	128	6	obtained	obtain	VERB
ejif-2086	128	7	license	license	NOUN
ejif-2086	128	8	to	to	PART
ejif-2086	128	9	commence	commence	VERB
ejif-2086	128	10	full	full	ADJ
ejif-2086	128	11	-	-	PUNCT
ejif-2086	128	12	fledged	fledged	ADJ
ejif-2086	128	13	operations	operation	NOUN
ejif-2086	128	14	.	.	PUNCT
ejif-2086	129	1	unconfirmed	unconfirmed	ADJ
ejif-2086	129	2	reports	report	NOUN
ejif-2086	129	3	indicate	indicate	VERB
ejif-2086	129	4	that	that	SCONJ
ejif-2086	129	5	several	several	ADJ
ejif-2086	129	6	other	other	ADJ
ejif-2086	129	7	companies	company	NOUN
ejif-2086	129	8	have	have	AUX
ejif-2086	129	9	signified	signify	VERB
ejif-2086	129	10	interest	interest	NOUN
ejif-2086	129	11	and	and	CCONJ
ejif-2086	129	12	many	many	ADJ
ejif-2086	129	13	have	have	AUX
ejif-2086	129	14	reached	reach	VERB
ejif-2086	129	15	advanced	advanced	ADJ
ejif-2086	129	16	stages	stage	NOUN
ejif-2086	129	17	in	in	ADP
ejif-2086	129	18	the	the	DET
ejif-2086	129	19	process	process	NOUN
ejif-2086	129	20	of	of	ADP
ejif-2086	129	21	obtaining	obtain	VERB
ejif-2086	129	22	license	license	NOUN
ejif-2086	129	23	to	to	PART
ejif-2086	129	24	establish	establish	VERB
ejif-2086	129	25	takaful	takaful	ADJ
ejif-2086	129	26	in	in	ADP
ejif-2086	129	27	nigeria	nigeria	PROPN
ejif-2086	129	28	.	.	PUNCT
ejif-2086	130	1	major	major	ADJ
ejif-2086	130	2	motivating	motivating	NOUN
ejif-2086	130	3	factor	factor	NOUN
ejif-2086	130	4	for	for	ADP
ejif-2086	130	5	the	the	DET
ejif-2086	130	6	takaful	takaful	ADJ
ejif-2086	130	7	operators	operator	NOUN
ejif-2086	130	8	is	be	AUX
ejif-2086	130	9	the	the	DET
ejif-2086	130	10	huge	huge	ADJ
ejif-2086	130	11	untapped	untapped	ADJ
ejif-2086	130	12	potentials	potential	NOUN
ejif-2086	130	13	for	for	ADP
ejif-2086	130	14	takaful	takaful	ADJ
ejif-2086	130	15	due	due	ADP
ejif-2086	130	16	to	to	ADP
ejif-2086	130	17	its	its	PRON
ejif-2086	130	18	uniqueness	uniqueness	NOUN
ejif-2086	130	19	in	in	ADP
ejif-2086	130	20	fulfilling	fulfil	VERB
ejif-2086	130	21	the	the	DET
ejif-2086	130	22	needs	need	NOUN
ejif-2086	130	23	of	of	ADP
ejif-2086	130	24	conscious	conscious	ADJ
ejif-2086	130	25	muslims	muslim	NOUN
ejif-2086	130	26	and	and	CCONJ
ejif-2086	130	27	also	also	ADV
ejif-2086	130	28	the	the	DET
ejif-2086	130	29	opportunity	opportunity	NOUN
ejif-2086	130	30	to	to	PART
ejif-2086	130	31	increase	increase	VERB
ejif-2086	130	32	insurance	insurance	NOUN
ejif-2086	130	33	penetration	penetration	NOUN
ejif-2086	130	34	which	which	PRON
ejif-2086	130	35	has	have	AUX
ejif-2086	130	36	been	be	AUX
ejif-2086	130	37	very	very	ADV
ejif-2086	130	38	poor	poor	ADJ
ejif-2086	130	39	[	[	X
ejif-2086	130	40	31	31	NUM
ejif-2086	130	41	]	]	PUNCT
ejif-2086	130	42	.	.	PUNCT
ejif-2086	131	1	niger	niger	PROPN
ejif-2086	131	2	insurance	insurance	PROPN
ejif-2086	131	3	plc	plc	PROPN
ejif-2086	131	4	provides	provide	VERB
ejif-2086	131	5	family	family	NOUN
ejif-2086	131	6	takaful	takaful	ADJ
ejif-2086	131	7	services	service	NOUN
ejif-2086	131	8	.	.	PUNCT
ejif-2086	132	1	due	due	ADP
ejif-2086	132	2	to	to	ADP
ejif-2086	132	3	its	its	PRON
ejif-2086	132	4	dominance	dominance	NOUN
ejif-2086	132	5	in	in	ADP
ejif-2086	132	6	the	the	DET
ejif-2086	132	7	nigerian	nigerian	ADJ
ejif-2086	132	8	market	market	NOUN
ejif-2086	132	9	,	,	PUNCT
ejif-2086	132	10	niger	niger	PROPN
ejif-2086	132	11	insurance	insurance	PROPN
ejif-2086	132	12	plc	plc	PROPN
ejif-2086	132	13	has	have	AUX
ejif-2086	132	14	been	be	AUX
ejif-2086	132	15	able	able	ADJ
ejif-2086	132	16	to	to	PART
ejif-2086	132	17	offer	offer	VERB
ejif-2086	132	18	a	a	DET
ejif-2086	132	19	variety	variety	NOUN
ejif-2086	132	20	of	of	ADP
ejif-2086	132	21	services	service	NOUN
ejif-2086	132	22	through	through	ADP
ejif-2086	132	23	a	a	DET
ejif-2086	132	24	range	range	NOUN
ejif-2086	132	25	of	of	ADP
ejif-2086	132	26	innovative	innovative	ADJ
ejif-2086	132	27	products	product	NOUN
ejif-2086	132	28	under	under	ADP
ejif-2086	132	29	niger	niger	NOUN
ejif-2086	132	30	mutual	mutual	ADJ
ejif-2086	132	31	halal	halal	NOUN
ejif-2086	132	32	plan	plan	NOUN
ejif-2086	132	33	.	.	PUNCT
ejif-2086	133	1	the	the	DET
ejif-2086	133	2	plan	plan	NOUN
ejif-2086	133	3	provides	provide	VERB
ejif-2086	133	4	a	a	DET
ejif-2086	133	5	savings	saving	NOUN
ejif-2086	133	6	and	and	CCONJ
ejif-2086	133	7	investment	investment	NOUN
ejif-2086	133	8	package	package	NOUN
ejif-2086	133	9	specially	specially	ADV
ejif-2086	133	10	designed	design	VERB
ejif-2086	133	11	to	to	PART
ejif-2086	133	12	cater	cater	VERB
ejif-2086	133	13	for	for	ADP
ejif-2086	133	14	events	event	NOUN
ejif-2086	133	15	future	future	ADJ
ejif-2086	133	16	events	event	NOUN
ejif-2086	133	17	such	such	ADJ
ejif-2086	133	18	as	as	ADP
ejif-2086	133	19	marriage	marriage	NOUN
ejif-2086	133	20	,	,	PUNCT
ejif-2086	133	21	pilgrimage	pilgrimage	NOUN
ejif-2086	133	22	,	,	PUNCT
ejif-2086	133	23	eid	eid	PROPN
ejif-2086	133	24	,	,	PUNCT
ejif-2086	133	25	retirement	retirement	NOUN
ejif-2086	133	26	etc	etc	X
ejif-2086	133	27	.	.	PUNCT
ejif-2086	134	1	[	[	X
ejif-2086	134	2	22	22	NUM
ejif-2086	134	3	]	]	PUNCT
ejif-2086	134	4	.	.	PUNCT
ejif-2086	135	1	another	another	DET
ejif-2086	135	2	takaful	takaful	ADJ
ejif-2086	135	3	operator	operator	NOUN
ejif-2086	135	4	,	,	PUNCT
ejif-2086	135	5	cornerstone	cornerstone	NOUN
ejif-2086	135	6	insurance	insurance	PROPN
ejif-2086	135	7	plc	plc	PROPN
ejif-2086	135	8	,	,	PUNCT
ejif-2086	135	9	provides	provide	VERB
ejif-2086	135	10	takaful	takaful	ADJ
ejif-2086	135	11	services	service	NOUN
ejif-2086	135	12	through	through	ADP
ejif-2086	135	13	its	its	PRON
ejif-2086	135	14	subsidiary	subsidiary	NOUN
ejif-2086	135	15	.	.	PUNCT
ejif-2086	136	1	the	the	DET
ejif-2086	136	2	subsidiary	subsidiary	NOUN
ejif-2086	136	3	,	,	PUNCT
ejif-2086	136	4	halal	halal	VERB
ejif-2086	136	5	takaful	takaful	PROPN
ejif-2086	136	6	nigeria	nigeria	PROPN
ejif-2086	136	7	,	,	PUNCT
ejif-2086	136	8	serves	serve	VERB
ejif-2086	136	9	the	the	DET
ejif-2086	136	10	needs	need	NOUN
ejif-2086	136	11	of	of	ADP
ejif-2086	136	12	muslims	muslims	PROPN
ejif-2086	136	13	and	and	CCONJ
ejif-2086	136	14	non	non	NOUN
ejif-2086	136	15	-	-	NOUN
ejif-2086	136	16	muslims	muslim	NOUN
ejif-2086	136	17	alike	alike	ADV
ejif-2086	136	18	.	.	PUNCT
ejif-2086	137	1	halal	halal	PROPN
ejif-2086	137	2	takaful	takaful	ADJ
ejif-2086	137	3	stands	stand	VERB
ejif-2086	137	4	out	out	ADP
ejif-2086	137	5	from	from	ADP
ejif-2086	137	6	the	the	DET
ejif-2086	137	7	other	other	ADJ
ejif-2086	137	8	takaful	takaful	ADJ
ejif-2086	137	9	window	window	NOUN
ejif-2086	137	10	operators	operator	NOUN
ejif-2086	137	11	as	as	ADP
ejif-2086	137	12	the	the	DET
ejif-2086	137	13	only	only	ADJ
ejif-2086	137	14	independent	independent	ADJ
ejif-2086	137	15	subsidiary	subsidiary	NOUN
ejif-2086	137	16	focused	focus	VERB
ejif-2086	137	17	on	on	ADP
ejif-2086	137	18	takaful	takaful	ADJ
ejif-2086	137	19	business	business	NOUN
ejif-2086	137	20	.	.	PUNCT
ejif-2086	138	1	this	this	DET
ejif-2086	138	2	takaful	takaful	ADJ
ejif-2086	138	3	operator	operator	NOUN
ejif-2086	138	4	was	be	AUX
ejif-2086	138	5	the	the	DET
ejif-2086	138	6	first	first	ADJ
ejif-2086	138	7	to	to	PART
ejif-2086	138	8	obtain	obtain	VERB
ejif-2086	138	9	a	a	DET
ejif-2086	138	10	composite	composite	ADJ
ejif-2086	138	11	licence	licence	NOUN
ejif-2086	138	12	as	as	ADV
ejif-2086	138	13	far	far	ADV
ejif-2086	138	14	back	back	ADV
ejif-2086	138	15	as	as	ADP
ejif-2086	138	16	2013	2013	NUM
ejif-2086	138	17	thereby	thereby	ADV
ejif-2086	138	18	offering	offer	VERB
ejif-2086	138	19	both	both	PRON
ejif-2086	138	20	family	family	NOUN
ejif-2086	138	21	and	and	CCONJ
ejif-2086	138	22	general	general	ADJ
ejif-2086	138	23	takaful	takaful	ADJ
ejif-2086	138	24	[	[	X
ejif-2086	138	25	11	11	NUM
ejif-2086	138	26	]	]	PUNCT
ejif-2086	138	27	.	.	PUNCT
ejif-2086	139	1	the	the	DET
ejif-2086	139	2	national	national	PROPN
ejif-2086	139	3	insurance	insurance	PROPN
ejif-2086	139	4	commission	commission	PROPN
ejif-2086	139	5	of	of	ADP
ejif-2086	139	6	nigeria	nigeria	PROPN
ejif-2086	139	7	(	(	PUNCT
ejif-2086	139	8	naicom	naicom	X
ejif-2086	139	9	)	)	PUNCT
ejif-2086	139	10	is	be	AUX
ejif-2086	139	11	vested	vest	VERB
ejif-2086	139	12	with	with	ADP
ejif-2086	139	13	the	the	DET
ejif-2086	139	14	responsibility	responsibility	NOUN
ejif-2086	139	15	of	of	ADP
ejif-2086	139	16	administering	administer	VERB
ejif-2086	139	17	and	and	CCONJ
ejif-2086	139	18	enforcing	enforce	VERB
ejif-2086	139	19	the	the	DET
ejif-2086	139	20	provisions	provision	NOUN
ejif-2086	139	21	of	of	ADP
ejif-2086	139	22	the	the	DET
ejif-2086	139	23	2003	2003	NUM
ejif-2086	139	24	insurance	insurance	NOUN
ejif-2086	139	25	act	act	NOUN
ejif-2086	139	26	as	as	SCONJ
ejif-2086	139	27	stated	state	VERB
ejif-2086	139	28	in	in	ADP
ejif-2086	139	29	section	section	NOUN
ejif-2086	139	30	86	86	NUM
ejif-2086	139	31	of	of	ADP
ejif-2086	139	32	the	the	DET
ejif-2086	139	33	act	act	NOUN
ejif-2086	139	34	:	:	PUNCT
ejif-2086	139	35	thereby	thereby	ADV
ejif-2086	139	36	being	be	AUX
ejif-2086	139	37	the	the	DET
ejif-2086	139	38	regulatory	regulatory	ADJ
ejif-2086	139	39	body	body	NOUN
ejif-2086	139	40	for	for	ADP
ejif-2086	139	41	takaful	takaful	ADJ
ejif-2086	139	42	and	and	CCONJ
ejif-2086	139	43	insurance	insurance	NOUN
ejif-2086	139	44	generally	generally	ADV
ejif-2086	139	45	.	.	PUNCT
ejif-2086	140	1	unfortunately	unfortunately	ADV
ejif-2086	140	2	,	,	PUNCT
ejif-2086	140	3	there	there	PRON
ejif-2086	140	4	is	be	VERB
ejif-2086	140	5	a	a	DET
ejif-2086	140	6	glaring	glaring	ADJ
ejif-2086	140	7	omission	omission	NOUN
ejif-2086	140	8	of	of	ADP
ejif-2086	140	9	the	the	DET
ejif-2086	140	10	express	express	ADJ
ejif-2086	140	11	mention	mention	NOUN
ejif-2086	140	12	of	of	ADP
ejif-2086	140	13	takaful	takaful	ADJ
ejif-2086	140	14	or	or	CCONJ
ejif-2086	140	15	islamic	islamic	ADJ
ejif-2086	140	16	insurance	insurance	NOUN
ejif-2086	140	17	in	in	ADP
ejif-2086	140	18	the	the	DET
ejif-2086	140	19	entire	entire	ADJ
ejif-2086	140	20	document	document	NOUN
ejif-2086	140	21	.	.	PUNCT
ejif-2086	141	1	in	in	ADP
ejif-2086	141	2	2013	2013	NUM
ejif-2086	141	3	,	,	PUNCT
ejif-2086	141	4	naicom	naicom	VERB
ejif-2086	141	5	launched	launch	VERB
ejif-2086	141	6	the	the	DET
ejif-2086	141	7	“	"	PUNCT
ejif-2086	141	8	2013	2013	NUM
ejif-2086	141	9	takafulinsurance	takafulinsurance	NOUN
ejif-2086	141	10	operational	operational	ADJ
ejif-2086	141	11	guidelines	guideline	NOUN
ejif-2086	141	12	”	"	PUNCT
ejif-2086	141	13	.	.	PUNCT
ejif-2086	142	1	this	this	PRON
ejif-2086	142	2	serves	serve	VERB
ejif-2086	142	3	as	as	ADP
ejif-2086	142	4	the	the	DET
ejif-2086	142	5	first	first	ADJ
ejif-2086	142	6	national	national	ADJ
ejif-2086	142	7	guideline	guideline	NOUN
ejif-2086	142	8	for	for	ADP
ejif-2086	142	9	the	the	DET
ejif-2086	142	10	operation	operation	NOUN
ejif-2086	142	11	of	of	ADP
ejif-2086	142	12	takaful	takaful	NOUN
ejif-2086	142	13	in	in	ADP
ejif-2086	142	14	the	the	DET
ejif-2086	142	15	country	country	NOUN
ejif-2086	142	16	.	.	PUNCT
ejif-2086	143	1	the	the	DET
ejif-2086	143	2	guideline	guideline	NOUN
ejif-2086	143	3	serves	serve	VERB
ejif-2086	143	4	as	as	ADP
ejif-2086	143	5	the	the	DET
ejif-2086	143	6	legal	legal	ADJ
ejif-2086	143	7	basis	basis	NOUN
ejif-2086	143	8	and	and	CCONJ
ejif-2086	143	9	reference	reference	NOUN
ejif-2086	143	10	for	for	ADP
ejif-2086	143	11	all	all	DET
ejif-2086	143	12	matters	matter	NOUN
ejif-2086	143	13	concerning	concern	VERB
ejif-2086	143	14	takaful	takaful	ADJ
ejif-2086	143	15	operations	operation	NOUN
ejif-2086	143	16	.	.	PUNCT
ejif-2086	144	1	it	it	PRON
ejif-2086	144	2	clearly	clearly	ADV
ejif-2086	144	3	spells	spell	VERB
ejif-2086	144	4	out	out	ADP
ejif-2086	144	5	prudential	prudential	NOUN
ejif-2086	144	6	,	,	PUNCT
ejif-2086	144	7	operational	operational	ADJ
ejif-2086	144	8	,	,	PUNCT
ejif-2086	144	9	governance	governance	NOUN
ejif-2086	144	10	and	and	CCONJ
ejif-2086	144	11	basic	basic	ADJ
ejif-2086	144	12	shariah	shariah	PROPN
ejif-2086	144	13	standards	standard	NOUN
ejif-2086	144	14	to	to	PART
ejif-2086	144	15	be	be	AUX
ejif-2086	144	16	adopted	adopt	VERB
ejif-2086	144	17	by	by	ADP
ejif-2086	144	18	all	all	DET
ejif-2086	144	19	operators	operator	NOUN
ejif-2086	144	20	in	in	ADP
ejif-2086	144	21	this	this	DET
ejif-2086	144	22	line	line	NOUN
ejif-2086	144	23	of	of	ADP
ejif-2086	144	24	business	business	NOUN
ejif-2086	144	25	[	[	X
ejif-2086	144	26	17	17	NUM
ejif-2086	144	27	]	]	PUNCT
ejif-2086	144	28	.	.	PUNCT
ejif-2086	145	1	albeit	albeit	SCONJ
ejif-2086	145	2	belated	belate	VERB
ejif-2086	145	3	,	,	PUNCT
ejif-2086	145	4	coming	come	VERB
ejif-2086	145	5	after	after	ADP
ejif-2086	145	6	about	about	ADV
ejif-2086	145	7	a	a	PRON
ejif-2086	145	8	decade	decade	NOUN
ejif-2086	145	9	of	of	ADP
ejif-2086	145	10	takaful	takaful	ADJ
ejif-2086	145	11	experience	experience	NOUN
ejif-2086	145	12	in	in	ADP
ejif-2086	145	13	the	the	DET
ejif-2086	145	14	country	country	NOUN
ejif-2086	145	15	,	,	PUNCT
ejif-2086	145	16	it	it	PRON
ejif-2086	145	17	is	be	AUX
ejif-2086	145	18	a	a	DET
ejif-2086	145	19	great	great	ADJ
ejif-2086	145	20	milestone	milestone	NOUN
ejif-2086	145	21	that	that	PRON
ejif-2086	145	22	has	have	VERB
ejif-2086	145	23	potentials	potential	NOUN
ejif-2086	145	24	to	to	PART
ejif-2086	145	25	reinvigorate	reinvigorate	VERB
ejif-2086	145	26	the	the	DET
ejif-2086	145	27	takaful	takaful	ADJ
ejif-2086	145	28	market	market	NOUN
ejif-2086	145	29	.	.	PUNCT
ejif-2086	146	1	the	the	DET
ejif-2086	146	2	guidelines	guideline	NOUN
ejif-2086	146	3	specify	specify	VERB
ejif-2086	146	4	duties	duty	NOUN
ejif-2086	146	5	and	and	CCONJ
ejif-2086	146	6	responsibilities	responsibility	NOUN
ejif-2086	146	7	of	of	ADP
ejif-2086	146	8	all	all	DET
ejif-2086	146	9	parties	party	NOUN
ejif-2086	146	10	involved	involve	VERB
ejif-2086	146	11	in	in	ADP
ejif-2086	146	12	a	a	DET
ejif-2086	146	13	takaful	takaful	ADJ
ejif-2086	146	14	contract	contract	NOUN
ejif-2086	146	15	in	in	ADP
ejif-2086	146	16	addition	addition	NOUN
ejif-2086	146	17	to	to	ADP
ejif-2086	146	18	disclosure	disclosure	NOUN
ejif-2086	146	19	standards	standard	NOUN
ejif-2086	146	20	and	and	CCONJ
ejif-2086	146	21	other	other	ADJ
ejif-2086	146	22	basic	basic	ADJ
ejif-2086	146	23	requirements	requirement	NOUN
ejif-2086	146	24	.	.	PUNCT
ejif-2086	147	1	the	the	DET
ejif-2086	147	2	guideline	guideline	NOUN
ejif-2086	147	3	specifies	specify	VERB
ejif-2086	147	4	the	the	DET
ejif-2086	147	5	requirement	requirement	NOUN
ejif-2086	147	6	of	of	ADP
ejif-2086	147	7	takaful	takaful	ADJ
ejif-2086	147	8	operators	operator	NOUN
ejif-2086	147	9	to	to	PART
ejif-2086	147	10	constitute	constitute	VERB
ejif-2086	147	11	a	a	DET
ejif-2086	147	12	shariah	shariah	PROPN
ejif-2086	147	13	advisory	advisory	PROPN
ejif-2086	147	14	committee	committee	NOUN
ejif-2086	147	15	(	(	PUNCT
ejif-2086	147	16	advisory	advisory	ADJ
ejif-2086	147	17	council	council	NOUN
ejif-2086	147	18	of	of	ADP
ejif-2086	147	19	experts	expert	NOUN
ejif-2086	147	20	)	)	PUNCT
ejif-2086	147	21	as	as	ADV
ejif-2086	147	22	well	well	ADV
ejif-2086	147	23	as	as	ADP
ejif-2086	147	24	an	an	DET
ejif-2086	147	25	internal	internal	ADJ
ejif-2086	147	26	shariah	shariah	PROPN
ejif-2086	147	27	unit	unit	NOUN
ejif-2086	147	28	to	to	PART
ejif-2086	147	29	ensure	ensure	VERB
ejif-2086	147	30	strict	strict	ADJ
ejif-2086	147	31	adherence	adherence	NOUN
ejif-2086	147	32	to	to	ADP
ejif-2086	147	33	the	the	DET
ejif-2086	147	34	provisions	provision	NOUN
ejif-2086	147	35	of	of	ADP
ejif-2086	147	36	the	the	DET
ejif-2086	147	37	shariah	shariah	PROPN
ejif-2086	147	38	in	in	ADP
ejif-2086	147	39	the	the	DET
ejif-2086	147	40	discharge	discharge	NOUN
ejif-2086	147	41	of	of	ADP
ejif-2086	147	42	their	their	PRON
ejif-2086	147	43	duties	duty	NOUN
ejif-2086	147	44	.	.	PUNCT
ejif-2086	148	1	in	in	ADP
ejif-2086	148	2	the	the	DET
ejif-2086	148	3	meantime	meantime	NOUN
ejif-2086	148	4	,	,	PUNCT
ejif-2086	148	5	naicom	naicom	VERB
ejif-2086	148	6	undertakes	undertake	VERB
ejif-2086	148	7	to	to	PART
ejif-2086	148	8	provide	provide	VERB
ejif-2086	148	9	shariah	shariah	PROPN
ejif-2086	148	10	consultation	consultation	NOUN
ejif-2086	148	11	services	service	NOUN
ejif-2086	148	12	to	to	ADP
ejif-2086	148	13	takaful	takaful	ADJ
ejif-2086	148	14	operators	operator	NOUN
ejif-2086	148	15	yet	yet	ADV
ejif-2086	148	16	to	to	PART
ejif-2086	148	17	find	find	VERB
ejif-2086	148	18	credible	credible	ADJ
ejif-2086	148	19	and	and	CCONJ
ejif-2086	148	20	duly	duly	ADV
ejif-2086	148	21	qualified	qualified	ADJ
ejif-2086	148	22	persons	person	NOUN
ejif-2086	148	23	to	to	PART
ejif-2086	148	24	serve	serve	VERB
ejif-2086	148	25	as	as	ADP
ejif-2086	148	26	members	member	NOUN
ejif-2086	148	27	of	of	ADP
ejif-2086	148	28	their	their	PRON
ejif-2086	148	29	advisory	advisory	ADJ
ejif-2086	148	30	councils	council	NOUN
ejif-2086	148	31	of	of	ADP
ejif-2086	148	32	experts	expert	NOUN
ejif-2086	148	33	through	through	ADP
ejif-2086	148	34	the	the	DET
ejif-2086	148	35	regulators	regulator	NOUN
ejif-2086	148	36	own	own	VERB
ejif-2086	148	37	shariah	shariah	PROPN
ejif-2086	148	38	advisory	advisory	PROPN
ejif-2086	148	39	council	council	PROPN
ejif-2086	148	40	.	.	PUNCT
ejif-2086	149	1	the	the	DET
ejif-2086	149	2	guideline	guideline	NOUN
ejif-2086	149	3	presents	present	VERB
ejif-2086	149	4	three	three	NUM
ejif-2086	149	5	business	business	NOUN
ejif-2086	149	6	models	model	NOUN
ejif-2086	149	7	(	(	PUNCT
ejif-2086	149	8	mudharabah	mudharabah	NOUN
ejif-2086	149	9	,	,	PUNCT
ejif-2086	149	10	wakala	wakala	NOUN
ejif-2086	149	11	and	and	CCONJ
ejif-2086	149	12	hybrid	hybrid	ADJ
ejif-2086	149	13	wakalahmudharabah	wakalahmudharabah	NOUN
ejif-2086	149	14	)	)	PUNCT
ejif-2086	149	15	to	to	PART
ejif-2086	149	16	be	be	AUX
ejif-2086	149	17	adopted	adopt	VERB
ejif-2086	149	18	by	by	ADP
ejif-2086	149	19	takaful	takaful	ADJ
ejif-2086	149	20	operators	operator	NOUN
ejif-2086	149	21	[	[	X
ejif-2086	149	22	15	15	NUM
ejif-2086	149	23	]	]	PUNCT
ejif-2086	149	24	.	.	PUNCT
ejif-2086	150	1	takaful	takaful	ADJ
ejif-2086	150	2	promises	promise	NOUN
ejif-2086	150	3	to	to	PART
ejif-2086	150	4	serve	serve	VERB
ejif-2086	150	5	as	as	ADP
ejif-2086	150	6	an	an	DET
ejif-2086	150	7	effective	effective	ADJ
ejif-2086	150	8	avenue	avenue	NOUN
ejif-2086	150	9	for	for	ADP
ejif-2086	150	10	enhancing	enhance	VERB
ejif-2086	150	11	financial	financial	ADJ
ejif-2086	150	12	inclusion	inclusion	NOUN
ejif-2086	150	13	and	and	CCONJ
ejif-2086	150	14	promotion	promotion	NOUN
ejif-2086	150	15	of	of	ADP
ejif-2086	150	16	savings	saving	NOUN
ejif-2086	150	17	and	and	CCONJ
ejif-2086	150	18	investments	investment	NOUN
ejif-2086	150	19	in	in	ADP
ejif-2086	150	20	nigeria	nigeria	PRON
ejif-2086	150	21	especially	especially	ADV
ejif-2086	150	22	in	in	ADP
ejif-2086	150	23	the	the	DET
ejif-2086	150	24	muslim	muslim	PROPN
ejif-2086	150	25	dominated	dominate	VERB
ejif-2086	150	26	northern	northern	ADJ
ejif-2086	150	27	region	region	NOUN
ejif-2086	150	28	which	which	PRON
ejif-2086	150	29	has	have	AUX
ejif-2086	150	30	been	be	AUX
ejif-2086	150	31	faced	face	VERB
ejif-2086	150	32	with	with	ADP
ejif-2086	150	33	enormous	enormous	ADJ
ejif-2086	150	34	security	security	NOUN
ejif-2086	150	35	challenges	challenge	NOUN
ejif-2086	150	36	and	and	CCONJ
ejif-2086	150	37	resultant	resultant	VERB
ejif-2086	150	38	impoverishment	impoverishment	NOUN
ejif-2086	150	39	of	of	ADP
ejif-2086	150	40	the	the	DET
ejif-2086	150	41	people	people	NOUN
ejif-2086	150	42	.	.	PUNCT
ejif-2086	151	1	takaful	takaful	ADJ
ejif-2086	151	2	holds	hold	VERB
ejif-2086	151	3	great	great	ADJ
ejif-2086	151	4	potential	potential	NOUN
ejif-2086	151	5	in	in	ADP
ejif-2086	151	6	the	the	DET
ejif-2086	151	7	nigerian	nigerian	ADJ
ejif-2086	151	8	market	market	NOUN
ejif-2086	151	9	especially	especially	ADV
ejif-2086	151	10	in	in	ADP
ejif-2086	151	11	northern	northern	PROPN
ejif-2086	151	12	nigeria	nigeria	PROPN
ejif-2086	151	13	where	where	SCONJ
ejif-2086	151	14	majority	majority	NOUN
ejif-2086	151	15	of	of	ADP
ejif-2086	151	16	the	the	DET
ejif-2086	151	17	population	population	NOUN
ejif-2086	151	18	are	be	AUX
ejif-2086	151	19	muslims	muslims	PROPN
ejif-2086	151	20	.	.	PUNCT
ejif-2086	152	1	according	accord	VERB
ejif-2086	152	2	to	to	ADP
ejif-2086	152	3	the	the	DET
ejif-2086	152	4	cia	cia	PROPN
ejif-2086	152	5	world	world	NOUN
ejif-2086	152	6	-	-	PUNCT
ejif-2086	152	7	fact	fact	NOUN
ejif-2086	152	8	book	book	NOUN
ejif-2086	152	9	,	,	PUNCT
ejif-2086	152	10	muslims	muslim	NOUN
ejif-2086	152	11	constitute	constitute	VERB
ejif-2086	152	12	50	50	NUM
ejif-2086	152	13	%	%	NOUN
ejif-2086	152	14	of	of	ADP
ejif-2086	152	15	the	the	DET
ejif-2086	152	16	nigerian	nigerian	ADJ
ejif-2086	152	17	population	population	NOUN
ejif-2086	152	18	of	of	ADP
ejif-2086	152	19	about	about	ADP
ejif-2086	152	20	186million	186million	PROPN
ejif-2086	152	21	[	[	X
ejif-2086	152	22	9	9	NUM
ejif-2086	152	23	]	]	PUNCT
ejif-2086	152	24	.	.	PUNCT
ejif-2086	153	1	moreover	moreover	ADV
ejif-2086	153	2	,	,	PUNCT
ejif-2086	153	3	the	the	DET
ejif-2086	153	4	muslim	muslim	PROPN
ejif-2086	153	5	dominated	dominate	VERB
ejif-2086	153	6	northern	northern	ADJ
ejif-2086	153	7	region	region	NOUN
ejif-2086	153	8	is	be	AUX
ejif-2086	153	9	expected	expect	VERB
ejif-2086	153	10	to	to	PART
ejif-2086	153	11	patronise	patronise	VERB
ejif-2086	153	12	takaful	takaful	ADJ
ejif-2086	153	13	in	in	ADP
ejif-2086	153	14	-	-	PUNCT
ejif-2086	153	15	view	view	NOUN
ejif-2086	153	16	of	of	ADP
ejif-2086	153	17	the	the	DET
ejif-2086	153	18	apathy	apathy	NOUN
ejif-2086	153	19	for	for	ADP
ejif-2086	153	20	conventional	conventional	ADJ
ejif-2086	153	21	insurance	insurance	NOUN
ejif-2086	153	22	which	which	PRON
ejif-2086	153	23	aggravates	aggravate	VERB
ejif-2086	153	24	financial	financial	ADJ
ejif-2086	153	25	exclusion	exclusion	NOUN
ejif-2086	153	26	in	in	ADP
ejif-2086	153	27	the	the	DET
ejif-2086	153	28	region	region	NOUN
ejif-2086	153	29	.	.	PUNCT
ejif-2086	154	1	the	the	DET
ejif-2086	154	2	muslim	muslim	ADJ
ejif-2086	154	3	population	population	NOUN
ejif-2086	154	4	is	be	AUX
ejif-2086	154	5	projected	project	VERB
ejif-2086	154	6	to	to	PART
ejif-2086	154	7	grow	grow	VERB
ejif-2086	154	8	faster	fast	ADV
ejif-2086	154	9	due	due	ADP
ejif-2086	154	10	to	to	ADP
ejif-2086	154	11	the	the	DET
ejif-2086	154	12	prevalence	prevalence	NOUN
ejif-2086	154	13	of	of	ADP
ejif-2086	154	14	polygamy	polygamy	NOUN
ejif-2086	154	15	in	in	ADP
ejif-2086	154	16	the	the	DET
ejif-2086	154	17	northern	northern	ADJ
ejif-2086	154	18	region	region	NOUN
ejif-2086	154	19	.	.	PUNCT
ejif-2086	155	1	due	due	ADP
ejif-2086	155	2	to	to	ADP
ejif-2086	155	3	religious	religious	ADJ
ejif-2086	155	4	reasons	reason	NOUN
ejif-2086	155	5	,	,	PUNCT
ejif-2086	155	6	conventional	conventional	ADJ
ejif-2086	155	7	underwriters	underwriter	NOUN
ejif-2086	155	8	and	and	CCONJ
ejif-2086	155	9	other	other	ADJ
ejif-2086	155	10	intermediaries	intermediary	NOUN
ejif-2086	155	11	find	find	VERB
ejif-2086	155	12	it	it	PRON
ejif-2086	155	13	difficult	difficult	ADJ
ejif-2086	155	14	to	to	PART
ejif-2086	155	15	market	market	VERB
ejif-2086	155	16	their	their	PRON
ejif-2086	155	17	products	product	NOUN
ejif-2086	155	18	in	in	ADP
ejif-2086	155	19	the	the	DET
ejif-2086	155	20	muslim	muslim	PROPN
ejif-2086	155	21	dominated	dominate	VERB
ejif-2086	155	22	northern	northern	ADJ
ejif-2086	155	23	region	region	NOUN
ejif-2086	155	24	.	.	PUNCT
ejif-2086	156	1	information	information	NOUN
ejif-2086	156	2	from	from	ADP
ejif-2086	156	3	the	the	DET
ejif-2086	156	4	website	website	NOUN
ejif-2086	156	5	of	of	ADP
ejif-2086	156	6	naicom	naicom	PROPN
ejif-2086	156	7	shows	show	VERB
ejif-2086	156	8	that	that	SCONJ
ejif-2086	156	9	54	54	NUM
ejif-2086	156	10	out	out	ADP
ejif-2086	156	11	of	of	ADP
ejif-2086	156	12	the	the	DET
ejif-2086	156	13	60	60	NUM
ejif-2086	156	14	currently	currently	ADV
ejif-2086	156	15	registered	register	VERB
ejif-2086	156	16	insurance	insurance	NOUN
ejif-2086	156	17	and	and	CCONJ
ejif-2086	156	18	re	re	NOUN
ejif-2086	156	19	-	-	NOUN
ejif-2086	156	20	insurance	insurance	NOUN
ejif-2086	156	21	companies	company	NOUN
ejif-2086	156	22	have	have	VERB
ejif-2086	156	23	their	their	PRON
ejif-2086	156	24	headquarters	headquarters	NOUN
ejif-2086	156	25	in	in	ADP
ejif-2086	156	26	the	the	DET
ejif-2086	156	27	southern	southern	ADJ
ejif-2086	156	28	region	region	NOUN
ejif-2086	156	29	,	,	PUNCT
ejif-2086	156	30	lagos	lagos	NOUN
ejif-2086	156	31	state	state	VERB
ejif-2086	156	32	precisely	precisely	ADV
ejif-2086	156	33	[	[	X
ejif-2086	156	34	19	19	NUM
ejif-2086	156	35	]	]	PUNCT
ejif-2086	156	36	.	.	PUNCT
ejif-2086	157	1	this	this	DET
ejif-2086	157	2	skewed	skewed	ADJ
ejif-2086	157	3	distribution	distribution	NOUN
ejif-2086	157	4	is	be	AUX
ejif-2086	157	5	largely	largely	ADV
ejif-2086	157	6	due	due	ADJ
ejif-2086	157	7	to	to	ADP
ejif-2086	157	8	religious	religious	ADJ
ejif-2086	157	9	reasons	reason	NOUN
ejif-2086	157	10	which	which	PRON
ejif-2086	157	11	constraints	constraint	VERB
ejif-2086	157	12	muslims	muslim	NOUN
ejif-2086	157	13	from	from	ADP
ejif-2086	157	14	participating	participate	VERB
ejif-2086	157	15	in	in	ADP
ejif-2086	157	16	conventional	conventional	ADJ
ejif-2086	157	17	insurance	insurance	NOUN
ejif-2086	157	18	.	.	PUNCT
ejif-2086	158	1	therefore	therefore	ADV
ejif-2086	158	2	,	,	PUNCT
ejif-2086	158	3	it	it	PRON
ejif-2086	158	4	is	be	AUX
ejif-2086	158	5	expected	expect	VERB
ejif-2086	158	6	that	that	SCONJ
ejif-2086	158	7	the	the	DET
ejif-2086	158	8	introduction	introduction	NOUN
ejif-2086	158	9	of	of	ADP
ejif-2086	158	10	takaful	takaful	ADJ
ejif-2086	158	11	will	will	AUX
ejif-2086	158	12	go	go	VERB
ejif-2086	158	13	a	a	DET
ejif-2086	158	14	long	long	ADJ
ejif-2086	158	15	way	way	NOUN
ejif-2086	158	16	in	in	ADP
ejif-2086	158	17	attracting	attract	VERB
ejif-2086	158	18	customers	customer	NOUN
ejif-2086	158	19	who	who	PRON
ejif-2086	158	20	hitherto	hitherto	VERB
ejif-2086	158	21	abhor	abhor	VERB
ejif-2086	158	22	conventional	conventional	ADJ
ejif-2086	158	23	insurance	insurance	NOUN
ejif-2086	158	24	.	.	PUNCT
ejif-2086	159	1	takaful	takaful	ADJ
ejif-2086	159	2	operators	operator	NOUN
ejif-2086	159	3	have	have	VERB
ejif-2086	159	4	ejif	ejif	PROPN
ejif-2086	159	5	–	–	PUNCT
ejif-2086	159	6	european	european	ADJ
ejif-2086	159	7	journal	journal	PROPN
ejif-2086	159	8	of	of	ADP
ejif-2086	159	9	islamic	islamic	PROPN
ejif-2086	159	10	finance	finance	PROPN
ejif-2086	159	11	no8	no8	PROPN
ejif-2086	159	12	,	,	PUNCT
ejif-2086	159	13	december	december	PROPN
ejif-2086	159	14	(	(	PUNCT
ejif-2086	159	15	2017	2017	NUM
ejif-2086	159	16	)	)	PUNCT
ejif-2086	160	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	160	2	issn	issn	VERB
ejif-2086	160	3	2421	2421	NUM
ejif-2086	160	4	-	-	SYM
ejif-2086	160	5	2172	2172	NUM
ejif-2086	160	6	6	6	NUM
ejif-2086	160	7	developed	develop	VERB
ejif-2086	160	8	unique	unique	ADJ
ejif-2086	160	9	marketing	marketing	NOUN
ejif-2086	160	10	strategies	strategy	NOUN
ejif-2086	160	11	to	to	PART
ejif-2086	160	12	create	create	VERB
ejif-2086	160	13	a	a	DET
ejif-2086	160	14	niche	niche	NOUN
ejif-2086	160	15	in	in	ADP
ejif-2086	160	16	the	the	DET
ejif-2086	160	17	nigerian	nigerian	ADJ
ejif-2086	160	18	market	market	NOUN
ejif-2086	160	19	through	through	ADP
ejif-2086	160	20	alliances	alliance	NOUN
ejif-2086	160	21	with	with	ADP
ejif-2086	160	22	islamic	islamic	ADJ
ejif-2086	160	23	organisations	organisation	NOUN
ejif-2086	160	24	and	and	CCONJ
ejif-2086	160	25	hajj	hajj	PROPN
ejif-2086	160	26	tour	tour	NOUN
ejif-2086	160	27	operators	operator	NOUN
ejif-2086	160	28	to	to	PART
ejif-2086	160	29	protect	protect	VERB
ejif-2086	160	30	their	their	PRON
ejif-2086	160	31	various	various	ADJ
ejif-2086	160	32	risk	risk	NOUN
ejif-2086	160	33	exposures	exposure	NOUN
ejif-2086	160	34	[	[	X
ejif-2086	160	35	31	31	NUM
ejif-2086	160	36	]	]	PUNCT
ejif-2086	160	37	.	.	PUNCT
ejif-2086	161	1	4.1	4.1	NUM
ejif-2086	161	2	takaful	takaful	ADJ
ejif-2086	161	3	legislation	legislation	NOUN
ejif-2086	161	4	in	in	ADP
ejif-2086	161	5	nigeria	nigeria	PROPN
ejif-2086	161	6	takaful	takaful	ADJ
ejif-2086	161	7	operations	operation	NOUN
ejif-2086	161	8	in	in	ADP
ejif-2086	161	9	nigeria	nigeria	PROPN
ejif-2086	161	10	are	be	AUX
ejif-2086	161	11	governed	govern	VERB
ejif-2086	161	12	by	by	ADP
ejif-2086	161	13	the	the	DET
ejif-2086	161	14	2013	2013	NUM
ejif-2086	161	15	operational	operational	ADJ
ejif-2086	161	16	guidelines	guideline	NOUN
ejif-2086	161	17	for	for	ADP
ejif-2086	161	18	takafulinsurance	takafulinsurance	NOUN
ejif-2086	161	19	operators	operator	NOUN
ejif-2086	161	20	effective	effective	ADJ
ejif-2086	161	21	march	march	PROPN
ejif-2086	161	22	2013	2013	NUM
ejif-2086	161	23	unveiled	unveil	VERB
ejif-2086	161	24	by	by	ADP
ejif-2086	161	25	naicom	naicom	PROPN
ejif-2086	161	26	.	.	PUNCT
ejif-2086	162	1	this	this	DET
ejif-2086	162	2	document	document	NOUN
ejif-2086	162	3	provides	provide	VERB
ejif-2086	162	4	a	a	DET
ejif-2086	162	5	detailed	detailed	ADJ
ejif-2086	162	6	structure	structure	NOUN
ejif-2086	162	7	for	for	ADP
ejif-2086	162	8	all	all	DET
ejif-2086	162	9	matters	matter	NOUN
ejif-2086	162	10	concerning	concern	VERB
ejif-2086	162	11	takaful	takaful	ADJ
ejif-2086	162	12	operations	operation	NOUN
ejif-2086	162	13	in	in	ADP
ejif-2086	162	14	the	the	DET
ejif-2086	162	15	country	country	NOUN
ejif-2086	162	16	.	.	PUNCT
ejif-2086	163	1	section	section	NOUN
ejif-2086	163	2	1	1	NUM
ejif-2086	163	3	of	of	ADP
ejif-2086	163	4	the	the	DET
ejif-2086	163	5	document	document	NOUN
ejif-2086	163	6	features	feature	VERB
ejif-2086	163	7	a	a	DET
ejif-2086	163	8	general	general	ADJ
ejif-2086	163	9	overview	overview	NOUN
ejif-2086	163	10	which	which	PRON
ejif-2086	163	11	includes	include	VERB
ejif-2086	163	12	introduction	introduction	NOUN
ejif-2086	163	13	,	,	PUNCT
ejif-2086	163	14	objectives	objective	NOUN
ejif-2086	163	15	,	,	PUNCT
ejif-2086	163	16	scope	scope	NOUN
ejif-2086	163	17	,	,	PUNCT
ejif-2086	163	18	implementation	implementation	NOUN
ejif-2086	163	19	and	and	CCONJ
ejif-2086	163	20	concept	concept	NOUN
ejif-2086	163	21	of	of	ADP
ejif-2086	163	22	takaful	takaful	ADJ
ejif-2086	163	23	-	-	PUNCT
ejif-2086	163	24	insurance	insurance	NOUN
ejif-2086	163	25	.	.	PUNCT
ejif-2086	164	1	primarily	primarily	ADV
ejif-2086	164	2	,	,	PUNCT
ejif-2086	164	3	the	the	DET
ejif-2086	164	4	guidelines	guideline	NOUN
ejif-2086	164	5	seek	seek	VERB
ejif-2086	164	6	to	to	PART
ejif-2086	164	7	increase	increase	VERB
ejif-2086	164	8	insurance	insurance	NOUN
ejif-2086	164	9	penetration	penetration	NOUN
ejif-2086	164	10	and	and	CCONJ
ejif-2086	164	11	financial	financial	ADJ
ejif-2086	164	12	inclusion	inclusion	NOUN
ejif-2086	164	13	in	in	ADP
ejif-2086	164	14	nigeria	nigeria	PROPN
ejif-2086	164	15	through	through	ADP
ejif-2086	164	16	takaful	takaful	ADJ
ejif-2086	164	17	.	.	PUNCT
ejif-2086	165	1	the	the	DET
ejif-2086	165	2	guideline	guideline	NOUN
ejif-2086	165	3	provides	provide	VERB
ejif-2086	165	4	a	a	DET
ejif-2086	165	5	framework	framework	NOUN
ejif-2086	165	6	within	within	ADP
ejif-2086	165	7	which	which	PRON
ejif-2086	165	8	takaful	takaful	ADJ
ejif-2086	165	9	operators	operator	NOUN
ejif-2086	165	10	shall	shall	AUX
ejif-2086	165	11	successfully	successfully	ADV
ejif-2086	165	12	carry	carry	VERB
ejif-2086	165	13	out	out	ADP
ejif-2086	165	14	their	their	PRON
ejif-2086	165	15	business	business	NOUN
ejif-2086	165	16	efficiently	efficiently	ADV
ejif-2086	165	17	and	and	CCONJ
ejif-2086	165	18	effectively	effectively	ADV
ejif-2086	165	19	.	.	PUNCT
ejif-2086	166	1	the	the	DET
ejif-2086	166	2	scope	scope	NOUN
ejif-2086	166	3	of	of	ADP
ejif-2086	166	4	the	the	DET
ejif-2086	166	5	guidelines	guideline	NOUN
ejif-2086	166	6	covers	cover	VERB
ejif-2086	166	7	the	the	DET
ejif-2086	166	8	regulation	regulation	NOUN
ejif-2086	166	9	of	of	ADP
ejif-2086	166	10	commercial	commercial	ADJ
ejif-2086	166	11	takaful	takaful	ADJ
ejif-2086	166	12	activities	activity	NOUN
ejif-2086	166	13	and	and	CCONJ
ejif-2086	166	14	all	all	DET
ejif-2086	166	15	related	relate	VERB
ejif-2086	166	16	operations	operation	NOUN
ejif-2086	166	17	conducted	conduct	VERB
ejif-2086	166	18	within	within	ADP
ejif-2086	166	19	nigeria	nigeria	PROPN
ejif-2086	167	1	[	[	X
ejif-2086	167	2	17	17	NUM
ejif-2086	167	3	]	]	PUNCT
ejif-2086	167	4	.	.	PUNCT
ejif-2086	168	1	section	section	NOUN
ejif-2086	168	2	2	2	NUM
ejif-2086	168	3	of	of	ADP
ejif-2086	168	4	the	the	DET
ejif-2086	168	5	guidelines	guideline	NOUN
ejif-2086	168	6	presents	present	VERB
ejif-2086	168	7	the	the	DET
ejif-2086	168	8	general	general	ADJ
ejif-2086	168	9	provisions	provision	NOUN
ejif-2086	168	10	and	and	CCONJ
ejif-2086	168	11	procedure	procedure	NOUN
ejif-2086	168	12	for	for	ADP
ejif-2086	168	13	adopting	adopt	VERB
ejif-2086	168	14	an	an	DET
ejif-2086	168	15	operating	operating	NOUN
ejif-2086	168	16	model	model	NOUN
ejif-2086	168	17	by	by	ADP
ejif-2086	168	18	prospective	prospective	ADJ
ejif-2086	168	19	takaful	takaful	ADJ
ejif-2086	168	20	operators	operator	NOUN
ejif-2086	168	21	in	in	ADP
ejif-2086	168	22	either	either	PRON
ejif-2086	168	23	of	of	ADP
ejif-2086	168	24	the	the	DET
ejif-2086	168	25	two	two	NUM
ejif-2086	168	26	classes	class	NOUN
ejif-2086	168	27	of	of	ADP
ejif-2086	168	28	business	business	NOUN
ejif-2086	168	29	;	;	PUNCT
ejif-2086	168	30	family	family	NOUN
ejif-2086	168	31	takaful	takaful	ADJ
ejif-2086	168	32	or	or	CCONJ
ejif-2086	168	33	general	general	ADJ
ejif-2086	168	34	takaful	takaful	ADJ
ejif-2086	168	35	.	.	PUNCT
ejif-2086	169	1	furthermore	furthermore	ADV
ejif-2086	169	2	,	,	PUNCT
ejif-2086	169	3	this	this	DET
ejif-2086	169	4	section	section	NOUN
ejif-2086	169	5	specifies	specify	VERB
ejif-2086	169	6	three	three	NUM
ejif-2086	169	7	(	(	PUNCT
ejif-2086	169	8	3	3	X
ejif-2086	169	9	)	)	PUNCT
ejif-2086	169	10	operating	operating	NOUN
ejif-2086	169	11	models	model	NOUN
ejif-2086	169	12	;	;	PUNCT
ejif-2086	169	13	mudharabah	mudharabah	NOUN
ejif-2086	169	14	based	base	VERB
ejif-2086	169	15	,	,	PUNCT
ejif-2086	169	16	wakalah	wakalah	PROPN
ejif-2086	169	17	based	base	VERB
ejif-2086	169	18	and	and	CCONJ
ejif-2086	169	19	a	a	DET
ejif-2086	169	20	hybrid	hybrid	ADJ
ejif-2086	169	21	wakalahmudharabah	wakalahmudharabah	NOUN
ejif-2086	169	22	model	model	NOUN
ejif-2086	169	23	comprising	comprising	NOUN
ejif-2086	169	24	of	of	ADP
ejif-2086	169	25	both	both	DET
ejif-2086	169	26	wakala	wakala	NOUN
ejif-2086	169	27	and	and	CCONJ
ejif-2086	169	28	mudharabah	mudharabah	NOUN
ejif-2086	169	29	.	.	PUNCT
ejif-2086	170	1	documentation	documentation	NOUN
ejif-2086	170	2	and	and	CCONJ
ejif-2086	170	3	disclosure	disclosure	NOUN
ejif-2086	170	4	requirements	requirement	NOUN
ejif-2086	170	5	relating	relate	VERB
ejif-2086	170	6	to	to	ADP
ejif-2086	170	7	the	the	DET
ejif-2086	170	8	operating	operating	NOUN
ejif-2086	170	9	model	model	NOUN
ejif-2086	170	10	adopted	adopt	VERB
ejif-2086	170	11	by	by	ADP
ejif-2086	170	12	the	the	DET
ejif-2086	170	13	takaful	takaful	ADJ
ejif-2086	170	14	operator	operator	NOUN
ejif-2086	170	15	is	be	AUX
ejif-2086	170	16	also	also	ADV
ejif-2086	170	17	contained	contain	VERB
ejif-2086	170	18	in	in	ADP
ejif-2086	170	19	this	this	DET
ejif-2086	170	20	section	section	NOUN
ejif-2086	170	21	of	of	ADP
ejif-2086	170	22	the	the	DET
ejif-2086	170	23	guidelines	guideline	NOUN
ejif-2086	170	24	[	[	X
ejif-2086	170	25	17	17	NUM
ejif-2086	170	26	]	]	PUNCT
ejif-2086	170	27	.	.	PUNCT
ejif-2086	171	1	in	in	ADP
ejif-2086	171	2	section	section	NOUN
ejif-2086	171	3	3	3	NUM
ejif-2086	171	4	,	,	PUNCT
ejif-2086	171	5	the	the	DET
ejif-2086	171	6	guideline	guideline	NOUN
ejif-2086	171	7	presents	present	VERB
ejif-2086	171	8	governance	governance	NOUN
ejif-2086	171	9	standards	standard	NOUN
ejif-2086	171	10	for	for	ADP
ejif-2086	171	11	takaful	takaful	ADJ
ejif-2086	171	12	operators	operator	NOUN
ejif-2086	171	13	.	.	PUNCT
ejif-2086	172	1	this	this	PRON
ejif-2086	172	2	entails	entail	VERB
ejif-2086	172	3	the	the	DET
ejif-2086	172	4	requirement	requirement	NOUN
ejif-2086	172	5	for	for	ADP
ejif-2086	172	6	takaful	takaful	ADJ
ejif-2086	172	7	operators	operator	NOUN
ejif-2086	172	8	to	to	PART
ejif-2086	172	9	have	have	VERB
ejif-2086	172	10	an	an	DET
ejif-2086	172	11	advisory	advisory	ADJ
ejif-2086	172	12	council	council	NOUN
ejif-2086	172	13	of	of	ADP
ejif-2086	172	14	experts	expert	NOUN
ejif-2086	172	15	(	(	PUNCT
ejif-2086	172	16	ace	ace	NOUN
ejif-2086	172	17	)	)	PUNCT
ejif-2086	172	18	as	as	ADV
ejif-2086	172	19	well	well	ADV
ejif-2086	172	20	as	as	ADP
ejif-2086	172	21	their	their	PRON
ejif-2086	172	22	required	require	VERB
ejif-2086	172	23	competency	competency	NOUN
ejif-2086	172	24	and	and	CCONJ
ejif-2086	172	25	code	code	NOUN
ejif-2086	172	26	of	of	ADP
ejif-2086	172	27	conduct	conduct	NOUN
ejif-2086	172	28	.	.	PUNCT
ejif-2086	173	1	similarly	similarly	ADV
ejif-2086	173	2	,	,	PUNCT
ejif-2086	173	3	it	it	PRON
ejif-2086	173	4	includes	include	VERB
ejif-2086	173	5	the	the	DET
ejif-2086	173	6	duties	duty	NOUN
ejif-2086	173	7	and	and	CCONJ
ejif-2086	173	8	responsibilities	responsibility	NOUN
ejif-2086	173	9	of	of	ADP
ejif-2086	173	10	the	the	DET
ejif-2086	173	11	ace	ace	NOUN
ejif-2086	173	12	and	and	CCONJ
ejif-2086	173	13	the	the	DET
ejif-2086	173	14	takaful	takaful	ADJ
ejif-2086	173	15	operator	operator	NOUN
ejif-2086	173	16	,	,	PUNCT
ejif-2086	173	17	inclusion	inclusion	NOUN
ejif-2086	173	18	of	of	ADP
ejif-2086	173	19	the	the	DET
ejif-2086	173	20	ace	ace	NOUN
ejif-2086	173	21	opinion	opinion	NOUN
ejif-2086	173	22	in	in	ADP
ejif-2086	173	23	annual	annual	ADJ
ejif-2086	173	24	report	report	NOUN
ejif-2086	173	25	,	,	PUNCT
ejif-2086	173	26	disclosure	disclosure	NOUN
ejif-2086	173	27	requirements	requirement	NOUN
ejif-2086	173	28	by	by	ADP
ejif-2086	173	29	the	the	DET
ejif-2086	173	30	takaful	takaful	ADJ
ejif-2086	173	31	operator	operator	NOUN
ejif-2086	173	32	,	,	PUNCT
ejif-2086	173	33	accessibility	accessibility	NOUN
ejif-2086	173	34	of	of	ADP
ejif-2086	173	35	the	the	DET
ejif-2086	173	36	ace	ace	NOUN
ejif-2086	173	37	to	to	ADP
ejif-2086	173	38	the	the	DET
ejif-2086	173	39	public	public	NOUN
ejif-2086	173	40	,	,	PUNCT
ejif-2086	173	41	the	the	DET
ejif-2086	173	42	regulators	regulator	NOUN
ejif-2086	173	43	takaful	takaful	ADJ
ejif-2086	173	44	advisory	advisory	ADJ
ejif-2086	173	45	council	council	PROPN
ejif-2086	173	46	(	(	PUNCT
ejif-2086	173	47	tac	tac	PROPN
ejif-2086	173	48	)	)	PUNCT
ejif-2086	173	49	,	,	PUNCT
ejif-2086	173	50	shariah	shariah	PROPN
ejif-2086	173	51	compliance	compliance	NOUN
ejif-2086	173	52	and	and	CCONJ
ejif-2086	173	53	other	other	ADJ
ejif-2086	173	54	relevant	relevant	ADJ
ejif-2086	173	55	requirements	requirement	NOUN
ejif-2086	173	56	[	[	X
ejif-2086	173	57	17	17	NUM
ejif-2086	173	58	]	]	PUNCT
ejif-2086	173	59	.	.	PUNCT
ejif-2086	174	1	the	the	DET
ejif-2086	174	2	2013	2013	NUM
ejif-2086	174	3	takaful	takaful	ADJ
ejif-2086	174	4	-	-	PUNCT
ejif-2086	174	5	insurance	insurance	NOUN
ejif-2086	174	6	operational	operational	ADJ
ejif-2086	174	7	guidelines	guideline	NOUN
ejif-2086	174	8	provide	provide	VERB
ejif-2086	174	9	three	three	NUM
ejif-2086	174	10	(	(	PUNCT
ejif-2086	174	11	3	3	NUM
ejif-2086	174	12	)	)	PUNCT
ejif-2086	174	13	business	business	NOUN
ejif-2086	174	14	models	model	NOUN
ejif-2086	174	15	for	for	ADP
ejif-2086	174	16	takaful	takaful	ADJ
ejif-2086	174	17	operators	operator	NOUN
ejif-2086	174	18	.	.	PUNCT
ejif-2086	175	1	these	these	PRON
ejif-2086	175	2	include	include	VERB
ejif-2086	175	3	mudharabah	mudharabah	ADJ
ejif-2086	175	4	contract	contract	NOUN
ejif-2086	175	5	(	(	PUNCT
ejif-2086	175	6	profit	profit	NOUN
ejif-2086	175	7	sharing	sharing	NOUN
ejif-2086	175	8	)	)	PUNCT
ejif-2086	175	9	,	,	PUNCT
ejif-2086	175	10	wakalah	wakalah	ADJ
ejif-2086	175	11	contract	contract	NOUN
ejif-2086	175	12	(	(	PUNCT
ejif-2086	175	13	agency	agency	NOUN
ejif-2086	175	14	)	)	PUNCT
ejif-2086	175	15	and	and	CCONJ
ejif-2086	175	16	hybrid	hybrid	ADJ
ejif-2086	175	17	wakalah	wakalah	ADJ
ejif-2086	175	18	-	-	PUNCT
ejif-2086	175	19	mudharabah	mudharabah	NOUN
ejif-2086	175	20	contract	contract	NOUN
ejif-2086	175	21	(	(	PUNCT
ejif-2086	175	22	agency	agency	NOUN
ejif-2086	175	23	-	-	PUNCT
ejif-2086	175	24	profit	profit	NOUN
ejif-2086	175	25	sharing	sharing	NOUN
ejif-2086	175	26	)	)	PUNCT
ejif-2086	175	27	.	.	PUNCT
ejif-2086	176	1	these	these	DET
ejif-2086	176	2	models	model	NOUN
ejif-2086	176	3	are	be	AUX
ejif-2086	176	4	explained	explain	VERB
ejif-2086	176	5	in	in	ADP
ejif-2086	176	6	table	table	NOUN
ejif-2086	176	7	4	4	NUM
ejif-2086	176	8	.	.	PUNCT
ejif-2086	177	1	for	for	ADP
ejif-2086	177	2	effective	effective	ADJ
ejif-2086	177	3	oversight	oversight	NOUN
ejif-2086	177	4	,	,	PUNCT
ejif-2086	177	5	takaful	takaful	ADJ
ejif-2086	177	6	operators	operator	NOUN
ejif-2086	177	7	must	must	AUX
ejif-2086	177	8	obtain	obtain	VERB
ejif-2086	177	9	approval	approval	NOUN
ejif-2086	177	10	from	from	ADP
ejif-2086	177	11	the	the	DET
ejif-2086	177	12	naicom	naicom	NOUN
ejif-2086	177	13	after	after	ADP
ejif-2086	177	14	the	the	DET
ejif-2086	177	15	approval	approval	NOUN
ejif-2086	177	16	of	of	ADP
ejif-2086	177	17	their	their	PRON
ejif-2086	177	18	aces	ace	NOUN
ejif-2086	177	19	and	and	CCONJ
ejif-2086	177	20	board	board	NOUN
ejif-2086	177	21	of	of	ADP
ejif-2086	177	22	directors	director	NOUN
ejif-2086	177	23	for	for	ADP
ejif-2086	177	24	the	the	DET
ejif-2086	177	25	business	business	NOUN
ejif-2086	177	26	model	model	NOUN
ejif-2086	177	27	they	they	PRON
ejif-2086	177	28	intend	intend	VERB
ejif-2086	177	29	to	to	PART
ejif-2086	177	30	adopt	adopt	VERB
ejif-2086	177	31	.	.	PUNCT
ejif-2086	178	1	to	to	PART
ejif-2086	178	2	promote	promote	VERB
ejif-2086	178	3	innovation	innovation	NOUN
ejif-2086	178	4	and	and	CCONJ
ejif-2086	178	5	product	product	NOUN
ejif-2086	178	6	development	development	NOUN
ejif-2086	178	7	,	,	PUNCT
ejif-2086	178	8	takaful	takaful	ADJ
ejif-2086	178	9	operators	operator	NOUN
ejif-2086	178	10	may	may	AUX
ejif-2086	178	11	propose	propose	VERB
ejif-2086	178	12	to	to	PART
ejif-2086	178	13	adopt	adopt	VERB
ejif-2086	178	14	a	a	DET
ejif-2086	178	15	different	different	ADJ
ejif-2086	178	16	model	model	NOUN
ejif-2086	178	17	apart	apart	ADV
ejif-2086	178	18	from	from	ADP
ejif-2086	178	19	the	the	DET
ejif-2086	178	20	three	three	NUM
ejif-2086	178	21	models	model	NOUN
ejif-2086	178	22	provided	provide	VERB
ejif-2086	178	23	subject	subject	NOUN
ejif-2086	178	24	to	to	ADP
ejif-2086	178	25	final	final	ADJ
ejif-2086	178	26	approval	approval	NOUN
ejif-2086	178	27	by	by	ADP
ejif-2086	178	28	naicom	naicom	PROPN
ejif-2086	178	29	.	.	PUNCT
ejif-2086	178	30	table	table	NOUN
ejif-2086	178	31	4	4	NUM
ejif-2086	178	32	.	.	X
ejif-2086	178	33	three	three	NUM
ejif-2086	178	34	business	business	NOUN
ejif-2086	178	35	models	model	NOUN
ejif-2086	178	36	of	of	ADP
ejif-2086	178	37	takaful	takaful	ADJ
ejif-2086	178	38	operations	operation	NOUN
ejif-2086	178	39	contract	contract	NOUN
ejif-2086	178	40	explanations	explanation	NOUN
ejif-2086	178	41	mudharabah	mudharabah	NOUN
ejif-2086	178	42	contract	contract	NOUN
ejif-2086	178	43	(	(	PUNCT
ejif-2086	178	44	profit	profit	NOUN
ejif-2086	178	45	sharing	sharing	NOUN
ejif-2086	178	46	)	)	PUNCT
ejif-2086	178	47	in	in	ADP
ejif-2086	178	48	this	this	DET
ejif-2086	178	49	structure	structure	NOUN
ejif-2086	178	50	,	,	PUNCT
ejif-2086	178	51	the	the	DET
ejif-2086	178	52	takaful	takaful	ADJ
ejif-2086	178	53	operator	operator	NOUN
ejif-2086	178	54	functions	function	NOUN
ejif-2086	178	55	as	as	ADP
ejif-2086	178	56	the	the	DET
ejif-2086	178	57	mudarib	mudarib	NOUN
ejif-2086	178	58	(	(	PUNCT
ejif-2086	178	59	entrepreneur	entrepreneur	NOUN
ejif-2086	178	60	/	/	SYM
ejif-2086	178	61	manager	manager	NOUN
ejif-2086	178	62	)	)	PUNCT
ejif-2086	178	63	while	while	SCONJ
ejif-2086	178	64	the	the	DET
ejif-2086	178	65	participant	participant	NOUN
ejif-2086	178	66	is	be	AUX
ejif-2086	178	67	the	the	DET
ejif-2086	178	68	rabbul	rabbul	NOUN
ejif-2086	178	69	-	-	PUNCT
ejif-2086	178	70	maal	maal	NOUN
ejif-2086	178	71	(	(	PUNCT
ejif-2086	178	72	owner	owner	NOUN
ejif-2086	178	73	of	of	ADP
ejif-2086	178	74	capital	capital	NOUN
ejif-2086	178	75	)	)	PUNCT
ejif-2086	178	76	.	.	PUNCT
ejif-2086	179	1	the	the	DET
ejif-2086	179	2	takaful	takaful	ADJ
ejif-2086	179	3	operator	operator	NOUN
ejif-2086	179	4	manages	manage	VERB
ejif-2086	179	5	the	the	DET
ejif-2086	179	6	fund	fund	NOUN
ejif-2086	179	7	and	and	CCONJ
ejif-2086	179	8	carry	carry	VERB
ejif-2086	179	9	out	out	ADP
ejif-2086	179	10	investments	investment	NOUN
ejif-2086	179	11	and	and	CCONJ
ejif-2086	179	12	underwriting	underwriting	NOUN
ejif-2086	179	13	activities	activity	NOUN
ejif-2086	179	14	.	.	PUNCT
ejif-2086	180	1	pre	pre	ADJ
ejif-2086	180	2	-	-	ADJ
ejif-2086	180	3	agreed	agreed	ADJ
ejif-2086	180	4	profit	profit	NOUN
ejif-2086	180	5	sharing	sharing	NOUN
ejif-2086	180	6	ratio	ratio	NOUN
ejif-2086	180	7	is	be	AUX
ejif-2086	180	8	decided	decide	VERB
ejif-2086	180	9	by	by	ADP
ejif-2086	180	10	the	the	DET
ejif-2086	180	11	two	two	NUM
ejif-2086	180	12	parties	party	NOUN
ejif-2086	180	13	and	and	CCONJ
ejif-2086	180	14	financial	financial	ADJ
ejif-2086	180	15	losses	loss	NOUN
ejif-2086	180	16	are	be	AUX
ejif-2086	180	17	solely	solely	ADV
ejif-2086	180	18	borne	bear	VERB
ejif-2086	180	19	by	by	ADP
ejif-2086	180	20	the	the	DET
ejif-2086	180	21	participant	participant	NOUN
ejif-2086	180	22	except	except	SCONJ
ejif-2086	180	23	in	in	ADP
ejif-2086	180	24	case	case	NOUN
ejif-2086	180	25	of	of	ADP
ejif-2086	180	26	proven	prove	VERB
ejif-2086	180	27	negligence	negligence	NOUN
ejif-2086	180	28	or	or	CCONJ
ejif-2086	180	29	breach	breach	NOUN
ejif-2086	180	30	of	of	ADP
ejif-2086	180	31	contract	contract	NOUN
ejif-2086	180	32	terms	term	NOUN
ejif-2086	180	33	by	by	ADP
ejif-2086	180	34	the	the	DET
ejif-2086	180	35	takaful	takaful	ADJ
ejif-2086	180	36	operator	operator	NOUN
ejif-2086	180	37	.	.	PUNCT
ejif-2086	181	1	otherwise	otherwise	ADV
ejif-2086	181	2	,	,	PUNCT
ejif-2086	181	3	the	the	DET
ejif-2086	181	4	losses	loss	NOUN
ejif-2086	181	5	for	for	ADP
ejif-2086	181	6	the	the	DET
ejif-2086	181	7	takaful	takaful	ADJ
ejif-2086	181	8	operator	operator	NOUN
ejif-2086	181	9	will	will	AUX
ejif-2086	181	10	be	be	AUX
ejif-2086	181	11	limited	limit	VERB
ejif-2086	181	12	to	to	ADP
ejif-2086	181	13	his	his	PRON
ejif-2086	181	14	wasted	waste	VERB
ejif-2086	181	15	time	time	NOUN
ejif-2086	181	16	and	and	CCONJ
ejif-2086	181	17	effort	effort	NOUN
ejif-2086	181	18	.	.	PUNCT
ejif-2086	182	1	wakalah	wakalah	PROPN
ejif-2086	182	2	contract	contract	NOUN
ejif-2086	182	3	(	(	PUNCT
ejif-2086	182	4	agency	agency	NOUN
ejif-2086	182	5	)	)	PUNCT
ejif-2086	182	6	in	in	ADP
ejif-2086	182	7	this	this	DET
ejif-2086	182	8	model	model	NOUN
ejif-2086	182	9	,	,	PUNCT
ejif-2086	182	10	the	the	DET
ejif-2086	182	11	takaful	takaful	ADJ
ejif-2086	182	12	operator	operator	NOUN
ejif-2086	182	13	manages	manage	VERB
ejif-2086	182	14	investment	investment	NOUN
ejif-2086	182	15	and	and	CCONJ
ejif-2086	182	16	underwriting	underwriting	NOUN
ejif-2086	182	17	activities	activity	NOUN
ejif-2086	182	18	as	as	ADP
ejif-2086	182	19	an	an	DET
ejif-2086	182	20	agent	agent	NOUN
ejif-2086	182	21	(	(	PUNCT
ejif-2086	182	22	wakeel	wakeel	PROPN
ejif-2086	182	23	)	)	PUNCT
ejif-2086	182	24	of	of	ADP
ejif-2086	182	25	the	the	DET
ejif-2086	182	26	participant	participant	NOUN
ejif-2086	182	27	(	(	PUNCT
ejif-2086	182	28	muwakkil	muwakkil	NOUN
ejif-2086	182	29	)	)	PUNCT
ejif-2086	182	30	for	for	ADP
ejif-2086	182	31	a	a	DET
ejif-2086	182	32	fee	fee	NOUN
ejif-2086	182	33	(	(	PUNCT
ejif-2086	182	34	wakalah	wakalah	NOUN
ejif-2086	182	35	fee	fee	NOUN
ejif-2086	182	36	)	)	PUNCT
ejif-2086	182	37	mutually	mutually	ADV
ejif-2086	182	38	agreed	agree	VERB
ejif-2086	182	39	upon	upon	SCONJ
ejif-2086	182	40	at	at	ADP
ejif-2086	182	41	the	the	DET
ejif-2086	182	42	beginning	beginning	NOUN
ejif-2086	182	43	of	of	ADP
ejif-2086	182	44	the	the	DET
ejif-2086	182	45	contract	contract	NOUN
ejif-2086	182	46	.	.	PUNCT
ejif-2086	183	1	depending	depend	VERB
ejif-2086	183	2	on	on	ADP
ejif-2086	183	3	the	the	DET
ejif-2086	183	4	details	detail	NOUN
ejif-2086	183	5	of	of	ADP
ejif-2086	183	6	the	the	DET
ejif-2086	183	7	contract	contract	NOUN
ejif-2086	183	8	,	,	PUNCT
ejif-2086	183	9	the	the	DET
ejif-2086	183	10	takaful	takaful	ADJ
ejif-2086	183	11	operator	operator	NOUN
ejif-2086	183	12	may	may	AUX
ejif-2086	183	13	be	be	AUX
ejif-2086	183	14	entitled	entitle	VERB
ejif-2086	183	15	to	to	ADP
ejif-2086	183	16	a	a	DET
ejif-2086	183	17	performance	performance	NOUN
ejif-2086	183	18	related	relate	VERB
ejif-2086	183	19	incentive	incentive	NOUN
ejif-2086	183	20	(	(	PUNCT
ejif-2086	183	21	jualah	jualah	PROPN
ejif-2086	183	22	)	)	PUNCT
ejif-2086	183	23	for	for	ADP
ejif-2086	183	24	effective	effective	ADJ
ejif-2086	183	25	management	management	NOUN
ejif-2086	183	26	of	of	ADP
ejif-2086	183	27	the	the	DET
ejif-2086	183	28	fund	fund	NOUN
ejif-2086	183	29	.	.	PUNCT
ejif-2086	184	1	hybrid	hybrid	ADJ
ejif-2086	184	2	wakalahmudharabah	wakalahmudharabah	PROPN
ejif-2086	184	3	contract	contract	NOUN
ejif-2086	184	4	(	(	PUNCT
ejif-2086	184	5	agency	agency	NOUN
ejif-2086	184	6	-	-	PUNCT
ejif-2086	184	7	profit	profit	NOUN
ejif-2086	184	8	sharing	sharing	NOUN
ejif-2086	184	9	)	)	PUNCT
ejif-2086	184	10	this	this	DET
ejif-2086	184	11	model	model	NOUN
ejif-2086	184	12	is	be	AUX
ejif-2086	184	13	a	a	DET
ejif-2086	184	14	combination	combination	NOUN
ejif-2086	184	15	of	of	ADP
ejif-2086	184	16	wakalah	wakalah	NOUN
ejif-2086	184	17	(	(	PUNCT
ejif-2086	184	18	agency	agency	NOUN
ejif-2086	184	19	)	)	PUNCT
ejif-2086	184	20	and	and	CCONJ
ejif-2086	184	21	mudharabah	mudharabah	NOUN
ejif-2086	184	22	(	(	PUNCT
ejif-2086	184	23	profit	profit	NOUN
ejif-2086	184	24	sharing	sharing	NOUN
ejif-2086	184	25	)	)	PUNCT
ejif-2086	184	26	between	between	ADP
ejif-2086	184	27	the	the	DET
ejif-2086	184	28	participants	participant	NOUN
ejif-2086	184	29	and	and	CCONJ
ejif-2086	184	30	takaful	takaful	ADJ
ejif-2086	184	31	operator	operator	NOUN
ejif-2086	184	32	.	.	PUNCT
ejif-2086	185	1	in	in	ADP
ejif-2086	185	2	this	this	DET
ejif-2086	185	3	case	case	NOUN
ejif-2086	185	4	,	,	PUNCT
ejif-2086	185	5	wakalah	wakalah	PROPN
ejif-2086	185	6	is	be	AUX
ejif-2086	185	7	applied	apply	VERB
ejif-2086	185	8	for	for	ADP
ejif-2086	185	9	managing	manage	VERB
ejif-2086	185	10	underwriting	underwriting	NOUN
ejif-2086	185	11	activities	activity	NOUN
ejif-2086	185	12	while	while	SCONJ
ejif-2086	185	13	mudharabah	mudharabah	NOUN
ejif-2086	185	14	is	be	AUX
ejif-2086	185	15	applied	apply	VERB
ejif-2086	185	16	in	in	ADP
ejif-2086	185	17	the	the	DET
ejif-2086	185	18	investment	investment	NOUN
ejif-2086	185	19	activities	activity	NOUN
ejif-2086	185	20	.	.	PUNCT
ejif-2086	186	1	4.2	4.2	NUM
ejif-2086	186	2	takaful	takaful	ADJ
ejif-2086	186	3	development	development	NOUN
ejif-2086	186	4	in	in	ADP
ejif-2086	186	5	nigeria	nigeria	PROPN
ejif-2086	186	6	:	:	PUNCT
ejif-2086	186	7	issues	issue	NOUN
ejif-2086	186	8	and	and	CCONJ
ejif-2086	186	9	recommendations	recommendation	NOUN
ejif-2086	186	10	the	the	DET
ejif-2086	186	11	following	follow	VERB
ejif-2086	186	12	points	point	NOUN
ejif-2086	186	13	are	be	AUX
ejif-2086	186	14	the	the	DET
ejif-2086	186	15	problems	problem	NOUN
ejif-2086	186	16	hindering	hinder	VERB
ejif-2086	186	17	rapid	rapid	ADJ
ejif-2086	186	18	development	development	NOUN
ejif-2086	186	19	of	of	ADP
ejif-2086	186	20	takaful	takaful	NOUN
ejif-2086	186	21	in	in	ADP
ejif-2086	186	22	nigeria	nigeria	PROPN
ejif-2086	186	23	as	as	SCONJ
ejif-2086	186	24	cited	cite	VERB
ejif-2086	186	25	by	by	ADP
ejif-2086	186	26	[	[	X
ejif-2086	186	27	4	4	NUM
ejif-2086	186	28	]	]	PUNCT
ejif-2086	186	29	,	,	PUNCT
ejif-2086	186	30	[	[	X
ejif-2086	186	31	27	27	NUM
ejif-2086	186	32	]	]	PUNCT
ejif-2086	186	33	,	,	PUNCT
ejif-2086	186	34	[	[	X
ejif-2086	186	35	12	12	NUM
ejif-2086	186	36	]	]	PUNCT
ejif-2086	186	37	,	,	PUNCT
ejif-2086	186	38	[	[	X
ejif-2086	186	39	2	2	NUM
ejif-2086	186	40	]	]	PUNCT
ejif-2086	186	41	and	and	CCONJ
ejif-2086	186	42	[	[	X
ejif-2086	186	43	31	31	NUM
ejif-2086	186	44	]	]	PUNCT
ejif-2086	186	45	.	.	PUNCT
ejif-2086	187	1	4.2.1	4.2.1	NUM
ejif-2086	187	2	legal	legal	ADJ
ejif-2086	187	3	/	/	SYM
ejif-2086	187	4	regulatory	regulatory	ADJ
ejif-2086	187	5	flaws	flaw	NOUN
ejif-2086	187	6	the	the	DET
ejif-2086	187	7	slow	slow	ADJ
ejif-2086	187	8	development	development	NOUN
ejif-2086	187	9	of	of	ADP
ejif-2086	187	10	takaful	takaful	ADJ
ejif-2086	187	11	operations	operation	NOUN
ejif-2086	187	12	in	in	ADP
ejif-2086	187	13	nigeria	nigeria	PROPN
ejif-2086	187	14	can	can	AUX
ejif-2086	187	15	be	be	AUX
ejif-2086	187	16	attributed	attribute	VERB
ejif-2086	187	17	to	to	ADP
ejif-2086	187	18	ambiguity	ambiguity	NOUN
ejif-2086	187	19	and	and	CCONJ
ejif-2086	187	20	apparent	apparent	ADJ
ejif-2086	187	21	lack	lack	NOUN
ejif-2086	187	22	of	of	ADP
ejif-2086	187	23	synergy	synergy	NOUN
ejif-2086	187	24	between	between	ADP
ejif-2086	187	25	major	major	ADJ
ejif-2086	187	26	regulatory	regulatory	ADJ
ejif-2086	187	27	provisions	provision	NOUN
ejif-2086	187	28	such	such	ADJ
ejif-2086	187	29	as	as	ADP
ejif-2086	187	30	insurance	insurance	NOUN
ejif-2086	187	31	act	act	NOUN
ejif-2086	187	32	2003	2003	NUM
ejif-2086	187	33	and	and	CCONJ
ejif-2086	187	34	2013	2013	NUM
ejif-2086	187	35	operational	operational	ADJ
ejif-2086	187	36	guidelines	guideline	NOUN
ejif-2086	187	37	for	for	ADP
ejif-2086	187	38	takaful	takaful	ADJ
ejif-2086	187	39	.	.	PUNCT
ejif-2086	188	1	it	it	PRON
ejif-2086	188	2	is	be	AUX
ejif-2086	188	3	important	important	ADJ
ejif-2086	188	4	to	to	PART
ejif-2086	188	5	note	note	VERB
ejif-2086	188	6	that	that	SCONJ
ejif-2086	188	7	the	the	DET
ejif-2086	188	8	insurance	insurance	NOUN
ejif-2086	188	9	act	act	NOUN
ejif-2086	188	10	has	have	AUX
ejif-2086	188	11	become	become	VERB
ejif-2086	188	12	obsolete	obsolete	ADJ
ejif-2086	188	13	in	in	ADP
ejif-2086	188	14	-	-	PUNCT
ejif-2086	188	15	view	view	NOUN
ejif-2086	188	16	of	of	ADP
ejif-2086	188	17	several	several	ADJ
ejif-2086	188	18	transformations	transformation	NOUN
ejif-2086	188	19	that	that	PRON
ejif-2086	188	20	have	have	AUX
ejif-2086	188	21	taken	take	VERB
ejif-2086	188	22	place	place	NOUN
ejif-2086	188	23	in	in	ADP
ejif-2086	188	24	the	the	DET
ejif-2086	188	25	insurance	insurance	NOUN
ejif-2086	188	26	sector	sector	NOUN
ejif-2086	188	27	since	since	SCONJ
ejif-2086	188	28	its	its	PRON
ejif-2086	188	29	enactment	enactment	NOUN
ejif-2086	188	30	.	.	PUNCT
ejif-2086	189	1	the	the	DET
ejif-2086	189	2	legislation	legislation	NOUN
ejif-2086	189	3	has	have	AUX
ejif-2086	189	4	failed	fail	VERB
ejif-2086	189	5	to	to	PART
ejif-2086	189	6	evolve	evolve	VERB
ejif-2086	189	7	accordingly	accordingly	ADV
ejif-2086	189	8	to	to	PART
ejif-2086	189	9	accommodate	accommodate	VERB
ejif-2086	189	10	significant	significant	ADJ
ejif-2086	189	11	changes	change	NOUN
ejif-2086	189	12	particularly	particularly	ADV
ejif-2086	189	13	regarding	regard	VERB
ejif-2086	189	14	takaful	takaful	ADJ
ejif-2086	189	15	.	.	PUNCT
ejif-2086	190	1	a	a	DET
ejif-2086	190	2	glaring	glaring	ADJ
ejif-2086	190	3	discrepancy	discrepancy	NOUN
ejif-2086	190	4	noticed	notice	VERB
ejif-2086	190	5	in	in	ADP
ejif-2086	190	6	the	the	DET
ejif-2086	190	7	2003	2003	NUM
ejif-2086	190	8	insurance	insurance	NOUN
ejif-2086	190	9	act	act	NOUN
ejif-2086	190	10	is	be	AUX
ejif-2086	190	11	the	the	DET
ejif-2086	190	12	omission	omission	NOUN
ejif-2086	190	13	of	of	ADP
ejif-2086	190	14	an	an	DET
ejif-2086	190	15	express	express	ADJ
ejif-2086	190	16	mention	mention	NOUN
ejif-2086	190	17	of	of	ADP
ejif-2086	190	18	takaful	takaful	ADJ
ejif-2086	190	19	or	or	CCONJ
ejif-2086	190	20	islamic	islamic	ADJ
ejif-2086	190	21	insurance	insurance	NOUN
ejif-2086	190	22	in	in	ADP
ejif-2086	190	23	the	the	DET
ejif-2086	190	24	insurance	insurance	NOUN
ejif-2086	190	25	act	act	PROPN
ejif-2086	190	26	.	.	PUNCT
ejif-2086	191	1	takaful	takaful	ADJ
ejif-2086	191	2	has	have	AUX
ejif-2086	191	3	gained	gain	VERB
ejif-2086	191	4	much	much	ADJ
ejif-2086	191	5	prominence	prominence	NOUN
ejif-2086	191	6	in	in	ADP
ejif-2086	191	7	the	the	DET
ejif-2086	191	8	global	global	ADJ
ejif-2086	191	9	financial	financial	ADJ
ejif-2086	191	10	system	system	NOUN
ejif-2086	191	11	such	such	ADJ
ejif-2086	191	12	that	that	SCONJ
ejif-2086	191	13	it	it	PRON
ejif-2086	191	14	becomes	become	VERB
ejif-2086	191	15	necessary	necessary	ADJ
ejif-2086	191	16	to	to	PART
ejif-2086	191	17	accord	accord	VERB
ejif-2086	191	18	it	it	PRON
ejif-2086	191	19	due	due	ADJ
ejif-2086	191	20	recognition	recognition	NOUN
ejif-2086	191	21	in	in	ADP
ejif-2086	191	22	the	the	DET
ejif-2086	191	23	insurance	insurance	NOUN
ejif-2086	191	24	act	act	NOUN
ejif-2086	191	25	being	be	AUX
ejif-2086	191	26	the	the	DET
ejif-2086	191	27	supreme	supreme	ADJ
ejif-2086	191	28	legislation	legislation	NOUN
ejif-2086	191	29	for	for	ADP
ejif-2086	191	30	the	the	DET
ejif-2086	191	31	nigerian	nigerian	ADJ
ejif-2086	191	32	insurance	insurance	NOUN
ejif-2086	191	33	sector	sector	NOUN
ejif-2086	191	34	.	.	PUNCT
ejif-2086	192	1	this	this	DET
ejif-2086	192	2	obvious	obvious	ADJ
ejif-2086	192	3	regulatory	regulatory	ADJ
ejif-2086	192	4	gap	gap	NOUN
ejif-2086	192	5	gives	give	VERB
ejif-2086	192	6	room	room	NOUN
ejif-2086	192	7	for	for	ADP
ejif-2086	192	8	ambiguity	ambiguity	NOUN
ejif-2086	192	9	and	and	CCONJ
ejif-2086	192	10	legislative	legislative	ADJ
ejif-2086	192	11	uncertainty	uncertainty	NOUN
ejif-2086	192	12	thereby	thereby	ADV
ejif-2086	192	13	discouraging	discourage	VERB
ejif-2086	192	14	serious	serious	ADJ
ejif-2086	192	15	investors	investor	NOUN
ejif-2086	192	16	due	due	ADP
ejif-2086	192	17	to	to	ADP
ejif-2086	192	18	the	the	DET
ejif-2086	192	19	resultant	resultant	NOUN
ejif-2086	192	20	legal	legal	ADJ
ejif-2086	192	21	risks	risk	NOUN
ejif-2086	192	22	.	.	PUNCT
ejif-2086	193	1	a	a	DET
ejif-2086	193	2	manifestation	manifestation	NOUN
ejif-2086	193	3	of	of	ADP
ejif-2086	193	4	the	the	DET
ejif-2086	193	5	consequences	consequence	NOUN
ejif-2086	193	6	of	of	ADP
ejif-2086	193	7	omitting	omit	VERB
ejif-2086	193	8	takaful	takaful	ADJ
ejif-2086	193	9	in	in	ADP
ejif-2086	193	10	the	the	DET
ejif-2086	193	11	insurance	insurance	NOUN
ejif-2086	193	12	act	act	NOUN
ejif-2086	193	13	is	be	AUX
ejif-2086	193	14	seen	see	VERB
ejif-2086	193	15	in	in	ADP
ejif-2086	193	16	section	section	NOUN
ejif-2086	193	17	10	10	NUM
ejif-2086	193	18	(	(	PUNCT
ejif-2086	193	19	1	1	NUM
ejif-2086	193	20	-	-	SYM
ejif-2086	193	21	2	2	NUM
ejif-2086	193	22	)	)	PUNCT
ejif-2086	193	23	of	of	ADP
ejif-2086	193	24	the	the	DET
ejif-2086	193	25	act	act	NOUN
ejif-2086	193	26	which	which	PRON
ejif-2086	193	27	requires	require	VERB
ejif-2086	193	28	a	a	DET
ejif-2086	193	29	prospective	prospective	ADJ
ejif-2086	193	30	insurer	insurer	NOUN
ejif-2086	193	31	to	to	PART
ejif-2086	193	32	deposit	deposit	VERB
ejif-2086	193	33	50	50	NUM
ejif-2086	193	34	%	%	NOUN
ejif-2086	193	35	of	of	ADP
ejif-2086	193	36	his	his	PRON
ejif-2086	193	37	paid	pay	VERB
ejif-2086	193	38	-	-	PUNCT
ejif-2086	193	39	up	up	ADP
ejif-2086	193	40	share	share	NOUN
ejif-2086	193	41	capital	capital	NOUN
ejif-2086	193	42	with	with	ADP
ejif-2086	193	43	the	the	DET
ejif-2086	193	44	central	central	ADJ
ejif-2086	193	45	bank	bank	PROPN
ejif-2086	193	46	of	of	ADP
ejif-2086	193	47	nigeria	nigeria	PROPN
ejif-2086	193	48	(	(	PUNCT
ejif-2086	193	49	cbn	cbn	PROPN
ejif-2086	193	50	)	)	PUNCT
ejif-2086	193	51	as	as	ADP
ejif-2086	193	52	statutory	statutory	ADJ
ejif-2086	193	53	ejif	ejif	PROPN
ejif-2086	193	54	–	–	PUNCT
ejif-2086	193	55	european	european	PROPN
ejif-2086	193	56	journal	journal	PROPN
ejif-2086	193	57	of	of	ADP
ejif-2086	193	58	islamic	islamic	PROPN
ejif-2086	193	59	finance	finance	PROPN
ejif-2086	193	60	no8	no8	PROPN
ejif-2086	193	61	,	,	PUNCT
ejif-2086	193	62	december	december	PROPN
ejif-2086	193	63	(	(	PUNCT
ejif-2086	193	64	2017	2017	NUM
ejif-2086	193	65	)	)	PUNCT
ejif-2086	194	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	194	2	issn	issn	VERB
ejif-2086	194	3	2421	2421	NUM
ejif-2086	194	4	-	-	SYM
ejif-2086	194	5	2172	2172	NUM
ejif-2086	194	6	7	7	NUM
ejif-2086	194	7	deposit	deposit	NOUN
ejif-2086	194	8	.	.	PUNCT
ejif-2086	195	1	upon	upon	SCONJ
ejif-2086	195	2	successful	successful	ADJ
ejif-2086	195	3	registration	registration	NOUN
ejif-2086	195	4	,	,	PUNCT
ejif-2086	195	5	the	the	DET
ejif-2086	195	6	cbn	cbn	PROPN
ejif-2086	195	7	returns	return	VERB
ejif-2086	195	8	80	80	NUM
ejif-2086	195	9	%	%	NOUN
ejif-2086	195	10	of	of	ADP
ejif-2086	195	11	the	the	DET
ejif-2086	195	12	statutory	statutory	ADJ
ejif-2086	195	13	deposit	deposit	NOUN
ejif-2086	195	14	with	with	ADP
ejif-2086	195	15	interest	interest	NOUN
ejif-2086	195	16	to	to	ADP
ejif-2086	195	17	the	the	DET
ejif-2086	195	18	insurer	insurer	NOUN
ejif-2086	195	19	within	within	ADP
ejif-2086	195	20	60	60	NUM
ejif-2086	195	21	days	day	NOUN
ejif-2086	195	22	from	from	ADP
ejif-2086	195	23	registration	registration	NOUN
ejif-2086	195	24	date	date	NOUN
ejif-2086	195	25	.	.	PUNCT
ejif-2086	196	1	the	the	DET
ejif-2086	196	2	act	act	NOUN
ejif-2086	196	3	failed	fail	VERB
ejif-2086	196	4	to	to	PART
ejif-2086	196	5	specify	specify	VERB
ejif-2086	196	6	any	any	DET
ejif-2086	196	7	exception	exception	NOUN
ejif-2086	196	8	to	to	ADP
ejif-2086	196	9	this	this	DET
ejif-2086	196	10	provision	provision	NOUN
ejif-2086	196	11	which	which	PRON
ejif-2086	196	12	violates	violate	VERB
ejif-2086	196	13	the	the	DET
ejif-2086	196	14	fundamental	fundamental	ADJ
ejif-2086	196	15	requirements	requirement	NOUN
ejif-2086	196	16	of	of	ADP
ejif-2086	196	17	takaful	takaful	ADJ
ejif-2086	196	18	operations	operation	NOUN
ejif-2086	196	19	being	be	AUX
ejif-2086	196	20	an	an	DET
ejif-2086	196	21	end	end	NOUN
ejif-2086	196	22	to	to	PART
ejif-2086	196	23	end	end	VERB
ejif-2086	196	24	shariah	shariah	PROPN
ejif-2086	196	25	compliant	compliant	ADJ
ejif-2086	196	26	activity	activity	NOUN
ejif-2086	196	27	.	.	PUNCT
ejif-2086	197	1	another	another	DET
ejif-2086	197	2	regulatory	regulatory	ADJ
ejif-2086	197	3	issue	issue	NOUN
ejif-2086	197	4	is	be	AUX
ejif-2086	197	5	the	the	DET
ejif-2086	197	6	capital	capital	NOUN
ejif-2086	197	7	requirement	requirement	NOUN
ejif-2086	197	8	for	for	ADP
ejif-2086	197	9	takaful	takaful	ADJ
ejif-2086	197	10	operators	operator	NOUN
ejif-2086	197	11	.	.	PUNCT
ejif-2086	198	1	although	although	SCONJ
ejif-2086	198	2	the	the	DET
ejif-2086	198	3	takaful	takaful	ADJ
ejif-2086	198	4	guidelines	guideline	NOUN
ejif-2086	198	5	scaled	scale	VERB
ejif-2086	198	6	down	down	ADP
ejif-2086	198	7	the	the	DET
ejif-2086	198	8	minimum	minimum	NOUN
ejif-2086	198	9	paid	pay	VERB
ejif-2086	198	10	up	up	ADP
ejif-2086	198	11	capital	capital	NOUN
ejif-2086	198	12	for	for	ADP
ejif-2086	198	13	takaful	takaful	ADJ
ejif-2086	198	14	operators	operator	NOUN
ejif-2086	198	15	,	,	PUNCT
ejif-2086	198	16	a	a	DET
ejif-2086	198	17	problem	problem	NOUN
ejif-2086	198	18	arises	arise	VERB
ejif-2086	198	19	considering	consider	VERB
ejif-2086	198	20	the	the	DET
ejif-2086	198	21	provisions	provision	NOUN
ejif-2086	198	22	of	of	ADP
ejif-2086	198	23	the	the	DET
ejif-2086	198	24	insurance	insurance	NOUN
ejif-2086	198	25	act	act	NOUN
ejif-2086	198	26	in	in	ADP
ejif-2086	198	27	section	section	NOUN
ejif-2086	198	28	9	9	NUM
ejif-2086	198	29	(	(	PUNCT
ejif-2086	198	30	4	4	NUM
ejif-2086	198	31	)	)	PUNCT
ejif-2086	198	32	which	which	PRON
ejif-2086	198	33	limits	limit	VERB
ejif-2086	198	34	the	the	DET
ejif-2086	198	35	powers	power	NOUN
ejif-2086	198	36	of	of	ADP
ejif-2086	198	37	naicom	naicom	NOUN
ejif-2086	198	38	to	to	ADP
ejif-2086	198	39	upward	upward	ADJ
ejif-2086	198	40	review	review	NOUN
ejif-2086	198	41	of	of	ADP
ejif-2086	198	42	paid	pay	VERB
ejif-2086	198	43	up	up	ADP
ejif-2086	198	44	share	share	NOUN
ejif-2086	198	45	capital	capital	NOUN
ejif-2086	198	46	only	only	ADV
ejif-2086	198	47	and	and	CCONJ
ejif-2086	198	48	not	not	PART
ejif-2086	198	49	downward	downward	ADJ
ejif-2086	198	50	review	review	NOUN
ejif-2086	198	51	.	.	PUNCT
ejif-2086	199	1	therefore	therefore	ADV
ejif-2086	199	2	,	,	PUNCT
ejif-2086	199	3	a	a	DET
ejif-2086	199	4	controversy	controversy	NOUN
ejif-2086	199	5	still	still	ADV
ejif-2086	199	6	lingers	linger	VERB
ejif-2086	199	7	as	as	ADP
ejif-2086	199	8	to	to	ADP
ejif-2086	199	9	whether	whether	SCONJ
ejif-2086	199	10	the	the	DET
ejif-2086	199	11	power	power	NOUN
ejif-2086	199	12	of	of	ADP
ejif-2086	199	13	naicom	naicom	NOUN
ejif-2086	199	14	to	to	PART
ejif-2086	199	15	implement	implement	VERB
ejif-2086	199	16	an	an	DET
ejif-2086	199	17	upward	upward	ADJ
ejif-2086	199	18	review	review	NOUN
ejif-2086	199	19	also	also	ADV
ejif-2086	199	20	implies	imply	VERB
ejif-2086	199	21	a	a	DET
ejif-2086	199	22	discretion	discretion	NOUN
ejif-2086	199	23	to	to	PART
ejif-2086	199	24	effect	effect	VERB
ejif-2086	199	25	a	a	DET
ejif-2086	199	26	similar	similar	ADJ
ejif-2086	199	27	downward	downward	ADJ
ejif-2086	199	28	review	review	NOUN
ejif-2086	199	29	when	when	SCONJ
ejif-2086	199	30	the	the	DET
ejif-2086	199	31	need	need	NOUN
ejif-2086	199	32	arises	arise	VERB
ejif-2086	199	33	.	.	PUNCT
ejif-2086	200	1	the	the	DET
ejif-2086	200	2	2003	2003	NUM
ejif-2086	200	3	insurance	insurance	NOUN
ejif-2086	200	4	act	act	NOUN
ejif-2086	200	5	holds	hold	VERB
ejif-2086	200	6	supremacy	supremacy	NOUN
ejif-2086	200	7	over	over	ADP
ejif-2086	200	8	any	any	DET
ejif-2086	200	9	other	other	ADJ
ejif-2086	200	10	enactment	enactment	NOUN
ejif-2086	200	11	concerning	concern	VERB
ejif-2086	200	12	insurance	insurance	NOUN
ejif-2086	200	13	practices	practice	NOUN
ejif-2086	200	14	in	in	ADP
ejif-2086	200	15	nigeria	nigeria	PROPN
ejif-2086	200	16	as	as	SCONJ
ejif-2086	200	17	stipulated	stipulate	VERB
ejif-2086	200	18	in	in	ADP
ejif-2086	200	19	section	section	NOUN
ejif-2086	200	20	100	100	NUM
ejif-2086	200	21	of	of	ADP
ejif-2086	200	22	the	the	DET
ejif-2086	200	23	act	act	NOUN
ejif-2086	200	24	.	.	PUNCT
ejif-2086	201	1	by	by	ADP
ejif-2086	201	2	implication	implication	NOUN
ejif-2086	201	3	,	,	PUNCT
ejif-2086	201	4	the	the	DET
ejif-2086	201	5	provisions	provision	NOUN
ejif-2086	201	6	of	of	ADP
ejif-2086	201	7	the	the	DET
ejif-2086	201	8	act	act	NOUN
ejif-2086	201	9	prevail	prevail	VERB
ejif-2086	201	10	over	over	ADP
ejif-2086	201	11	any	any	DET
ejif-2086	201	12	provision	provision	NOUN
ejif-2086	201	13	in	in	ADP
ejif-2086	201	14	other	other	ADJ
ejif-2086	201	15	enactments	enactment	NOUN
ejif-2086	201	16	which	which	PRON
ejif-2086	201	17	contradict	contradict	VERB
ejif-2086	201	18	it	it	PRON
ejif-2086	201	19	.	.	PUNCT
ejif-2086	202	1	as	as	ADP
ejif-2086	202	2	such	such	ADJ
ejif-2086	202	3	,	,	PUNCT
ejif-2086	202	4	it	it	PRON
ejif-2086	202	5	is	be	AUX
ejif-2086	202	6	important	important	ADJ
ejif-2086	202	7	to	to	PART
ejif-2086	202	8	ensure	ensure	VERB
ejif-2086	202	9	harmony	harmony	NOUN
ejif-2086	202	10	between	between	ADP
ejif-2086	202	11	the	the	DET
ejif-2086	202	12	insurance	insurance	NOUN
ejif-2086	202	13	act	act	NOUN
ejif-2086	202	14	and	and	CCONJ
ejif-2086	202	15	takaful	takaful	ADJ
ejif-2086	202	16	guidelines	guideline	NOUN
ejif-2086	202	17	.	.	PUNCT
ejif-2086	203	1	these	these	DET
ejif-2086	203	2	problems	problem	NOUN
ejif-2086	203	3	and	and	CCONJ
ejif-2086	203	4	many	many	ADJ
ejif-2086	203	5	others	other	NOUN
ejif-2086	203	6	relating	relate	VERB
ejif-2086	203	7	to	to	ADP
ejif-2086	203	8	legal	legal	ADJ
ejif-2086	203	9	provisions	provision	NOUN
ejif-2086	203	10	can	can	AUX
ejif-2086	203	11	only	only	ADV
ejif-2086	203	12	be	be	AUX
ejif-2086	203	13	solved	solve	VERB
ejif-2086	203	14	by	by	ADP
ejif-2086	203	15	putting	put	VERB
ejif-2086	203	16	in	in	ADP
ejif-2086	203	17	place	place	NOUN
ejif-2086	203	18	a	a	DET
ejif-2086	203	19	comprehensive	comprehensive	ADJ
ejif-2086	203	20	takaful	takaful	ADJ
ejif-2086	203	21	act	act	NOUN
ejif-2086	203	22	as	as	ADP
ejif-2086	203	23	in	in	ADP
ejif-2086	203	24	more	more	ADV
ejif-2086	203	25	established	established	ADJ
ejif-2086	203	26	takaful	takaful	ADJ
ejif-2086	203	27	markets	market	NOUN
ejif-2086	203	28	such	such	ADJ
ejif-2086	203	29	as	as	ADP
ejif-2086	203	30	malaysia	malaysia	PROPN
ejif-2086	203	31	.	.	PUNCT
ejif-2086	204	1	in	in	ADP
ejif-2086	204	2	the	the	DET
ejif-2086	204	3	absence	absence	NOUN
ejif-2086	204	4	of	of	ADP
ejif-2086	204	5	a	a	DET
ejif-2086	204	6	distinct	distinct	ADJ
ejif-2086	204	7	takaful	takaful	ADJ
ejif-2086	204	8	act	act	NOUN
ejif-2086	204	9	,	,	PUNCT
ejif-2086	204	10	the	the	DET
ejif-2086	204	11	current	current	ADJ
ejif-2086	204	12	insurance	insurance	NOUN
ejif-2086	204	13	act	act	NOUN
ejif-2086	204	14	should	should	AUX
ejif-2086	204	15	be	be	AUX
ejif-2086	204	16	adequately	adequately	ADV
ejif-2086	204	17	amended	amend	VERB
ejif-2086	204	18	to	to	PART
ejif-2086	204	19	cater	cater	VERB
ejif-2086	204	20	for	for	ADP
ejif-2086	204	21	takaful	takaful	ADJ
ejif-2086	204	22	.	.	PUNCT
ejif-2086	205	1	this	this	PRON
ejif-2086	205	2	will	will	AUX
ejif-2086	205	3	ensure	ensure	VERB
ejif-2086	205	4	effective	effective	ADJ
ejif-2086	205	5	regulatory	regulatory	ADJ
ejif-2086	205	6	certainty	certainty	NOUN
ejif-2086	205	7	and	and	CCONJ
ejif-2086	205	8	entrench	entrench	VERB
ejif-2086	205	9	confidence	confidence	NOUN
ejif-2086	205	10	in	in	ADP
ejif-2086	205	11	the	the	DET
ejif-2086	205	12	market	market	NOUN
ejif-2086	205	13	.	.	PUNCT
ejif-2086	206	1	furthermore	furthermore	ADV
ejif-2086	206	2	,	,	PUNCT
ejif-2086	206	3	a	a	DET
ejif-2086	206	4	distinct	distinct	ADJ
ejif-2086	206	5	takaful	takaful	ADJ
ejif-2086	206	6	act	act	NOUN
ejif-2086	206	7	is	be	AUX
ejif-2086	206	8	paramount	paramount	ADJ
ejif-2086	206	9	in	in	ADP
ejif-2086	206	10	the	the	DET
ejif-2086	206	11	quest	quest	NOUN
ejif-2086	206	12	to	to	PART
ejif-2086	206	13	gain	gain	VERB
ejif-2086	206	14	acceptance	acceptance	NOUN
ejif-2086	206	15	among	among	ADP
ejif-2086	206	16	the	the	DET
ejif-2086	206	17	populace	populace	NOUN
ejif-2086	206	18	and	and	CCONJ
ejif-2086	206	19	attract	attract	VERB
ejif-2086	206	20	competent	competent	ADJ
ejif-2086	206	21	market	market	NOUN
ejif-2086	206	22	players	player	NOUN
ejif-2086	206	23	[	[	X
ejif-2086	206	24	27	27	NUM
ejif-2086	206	25	]	]	PUNCT
ejif-2086	206	26	.	.	PUNCT
ejif-2086	207	1	4.2.2	4.2.2	NUM
ejif-2086	207	2	inadequate	inadequate	ADJ
ejif-2086	207	3	manpower	manpower	NOUN
ejif-2086	207	4	shortage	shortage	NOUN
ejif-2086	207	5	of	of	ADP
ejif-2086	207	6	skilled	skilled	ADJ
ejif-2086	207	7	manpower	manpower	NOUN
ejif-2086	207	8	poses	pose	VERB
ejif-2086	207	9	a	a	DET
ejif-2086	207	10	great	great	ADJ
ejif-2086	207	11	challenge	challenge	NOUN
ejif-2086	207	12	to	to	ADP
ejif-2086	207	13	the	the	DET
ejif-2086	207	14	development	development	NOUN
ejif-2086	207	15	of	of	ADP
ejif-2086	207	16	takaful	takaful	NOUN
ejif-2086	207	17	in	in	ADP
ejif-2086	207	18	nigeria	nigeria	PROPN
ejif-2086	207	19	.	.	PUNCT
ejif-2086	208	1	the	the	DET
ejif-2086	208	2	availability	availability	NOUN
ejif-2086	208	3	of	of	ADP
ejif-2086	208	4	competent	competent	ADJ
ejif-2086	208	5	personnel	personnel	NOUN
ejif-2086	208	6	with	with	ADP
ejif-2086	208	7	knowledge	knowledge	NOUN
ejif-2086	208	8	in	in	ADP
ejif-2086	208	9	both	both	CCONJ
ejif-2086	208	10	shariah	shariah	PROPN
ejif-2086	208	11	and	and	CCONJ
ejif-2086	208	12	islamic	islamic	ADJ
ejif-2086	208	13	finance	finance	NOUN
ejif-2086	208	14	,	,	PUNCT
ejif-2086	208	15	particularly	particularly	ADV
ejif-2086	208	16	takaful	takaful	ADJ
ejif-2086	208	17	is	be	AUX
ejif-2086	208	18	limited	limit	VERB
ejif-2086	208	19	.	.	PUNCT
ejif-2086	209	1	shortage	shortage	NOUN
ejif-2086	209	2	of	of	ADP
ejif-2086	209	3	competent	competent	ADJ
ejif-2086	209	4	manpower	manpower	NOUN
ejif-2086	209	5	is	be	AUX
ejif-2086	209	6	a	a	DET
ejif-2086	209	7	global	global	ADJ
ejif-2086	209	8	phenomenon	phenomenon	NOUN
ejif-2086	209	9	which	which	PRON
ejif-2086	209	10	nigeria	nigeria	PROPN
ejif-2086	209	11	also	also	ADV
ejif-2086	209	12	faces	face	VERB
ejif-2086	209	13	in	in	ADP
ejif-2086	209	14	staffing	staffing	NOUN
ejif-2086	209	15	and	and	CCONJ
ejif-2086	209	16	ace	ace	VERB
ejif-2086	209	17	membership	membership	NOUN
ejif-2086	209	18	of	of	ADP
ejif-2086	209	19	takaful	takaful	ADJ
ejif-2086	209	20	operators	operator	NOUN
ejif-2086	209	21	[	[	X
ejif-2086	209	22	31	31	NUM
ejif-2086	209	23	]	]	PUNCT
ejif-2086	209	24	.	.	PUNCT
ejif-2086	210	1	most	most	ADJ
ejif-2086	210	2	staff	staff	NOUN
ejif-2086	210	3	are	be	AUX
ejif-2086	210	4	only	only	ADV
ejif-2086	210	5	conversant	conversant	NOUN
ejif-2086	210	6	with	with	ADP
ejif-2086	210	7	conventional	conventional	ADJ
ejif-2086	210	8	insurance	insurance	NOUN
ejif-2086	210	9	while	while	SCONJ
ejif-2086	210	10	ace	ace	VERB
ejif-2086	210	11	members	member	NOUN
ejif-2086	210	12	who	who	PRON
ejif-2086	210	13	are	be	AUX
ejif-2086	210	14	mandated	mandate	VERB
ejif-2086	210	15	to	to	PART
ejif-2086	210	16	ensure	ensure	VERB
ejif-2086	210	17	shariah	shariah	PROPN
ejif-2086	210	18	compliance	compliance	NOUN
ejif-2086	210	19	are	be	AUX
ejif-2086	210	20	mostly	mostly	ADV
ejif-2086	210	21	weak	weak	ADJ
ejif-2086	210	22	in	in	ADP
ejif-2086	210	23	insurance	insurance	NOUN
ejif-2086	210	24	operational	operational	ADJ
ejif-2086	210	25	matters	matter	NOUN
ejif-2086	210	26	.	.	PUNCT
ejif-2086	211	1	due	due	ADP
ejif-2086	211	2	to	to	ADP
ejif-2086	211	3	the	the	DET
ejif-2086	211	4	apparent	apparent	ADJ
ejif-2086	211	5	shortage	shortage	NOUN
ejif-2086	211	6	of	of	ADP
ejif-2086	211	7	skilled	skilled	ADJ
ejif-2086	211	8	manpower	manpower	NOUN
ejif-2086	211	9	for	for	ADP
ejif-2086	211	10	ace	ace	NOUN
ejif-2086	211	11	membership	membership	NOUN
ejif-2086	211	12	,	,	PUNCT
ejif-2086	211	13	naicom	naicom	ADJ
ejif-2086	211	14	undertakes	undertake	NOUN
ejif-2086	211	15	to	to	PART
ejif-2086	211	16	provide	provide	VERB
ejif-2086	211	17	shariah	shariah	PROPN
ejif-2086	211	18	guidance	guidance	NOUN
ejif-2086	211	19	to	to	ADP
ejif-2086	211	20	takaful	takaful	ADJ
ejif-2086	211	21	operators	operator	NOUN
ejif-2086	211	22	through	through	ADP
ejif-2086	211	23	its	its	PRON
ejif-2086	211	24	takaful	takaful	ADJ
ejif-2086	211	25	advisory	advisory	ADJ
ejif-2086	211	26	council	council	NOUN
ejif-2086	211	27	until	until	SCONJ
ejif-2086	211	28	the	the	DET
ejif-2086	211	29	takaful	takaful	ADJ
ejif-2086	211	30	operators	operator	NOUN
ejif-2086	211	31	find	find	VERB
ejif-2086	211	32	eminently	eminently	ADV
ejif-2086	211	33	qualified	qualified	ADJ
ejif-2086	211	34	people	people	NOUN
ejif-2086	211	35	to	to	PART
ejif-2086	211	36	serve	serve	VERB
ejif-2086	211	37	as	as	ADP
ejif-2086	211	38	members	member	NOUN
ejif-2086	211	39	of	of	ADP
ejif-2086	211	40	aces	ace	NOUN
ejif-2086	211	41	.	.	PUNCT
ejif-2086	212	1	an	an	DET
ejif-2086	212	2	effective	effective	ADJ
ejif-2086	212	3	solution	solution	NOUN
ejif-2086	212	4	to	to	PART
ejif-2086	212	5	address	address	VERB
ejif-2086	212	6	the	the	DET
ejif-2086	212	7	manpower	manpower	NOUN
ejif-2086	212	8	shortage	shortage	NOUN
ejif-2086	212	9	in	in	ADP
ejif-2086	212	10	takaful	takaful	ADJ
ejif-2086	212	11	would	would	AUX
ejif-2086	212	12	require	require	VERB
ejif-2086	212	13	much	much	ADV
ejif-2086	212	14	more	more	ADJ
ejif-2086	212	15	than	than	ADP
ejif-2086	212	16	the	the	DET
ejif-2086	212	17	current	current	ADJ
ejif-2086	212	18	practice	practice	NOUN
ejif-2086	212	19	of	of	ADP
ejif-2086	212	20	organizing	organize	VERB
ejif-2086	212	21	in	in	ADP
ejif-2086	212	22	house	house	NOUN
ejif-2086	212	23	trainings	training	NOUN
ejif-2086	212	24	for	for	ADP
ejif-2086	212	25	takaful	takaful	ADJ
ejif-2086	212	26	operators	operator	NOUN
ejif-2086	212	27	staff	staff	NOUN
ejif-2086	212	28	.	.	PUNCT
ejif-2086	213	1	a	a	DET
ejif-2086	213	2	better	well	ADJ
ejif-2086	213	3	solution	solution	NOUN
ejif-2086	213	4	would	would	AUX
ejif-2086	213	5	entail	entail	VERB
ejif-2086	213	6	collaboration	collaboration	NOUN
ejif-2086	213	7	between	between	ADP
ejif-2086	213	8	regulators	regulator	NOUN
ejif-2086	213	9	,	,	PUNCT
ejif-2086	213	10	takaful	takaful	ADJ
ejif-2086	213	11	operators	operator	NOUN
ejif-2086	213	12	and	and	CCONJ
ejif-2086	213	13	leading	lead	VERB
ejif-2086	213	14	tertiary	tertiary	ADJ
ejif-2086	213	15	institutions	institution	NOUN
ejif-2086	213	16	to	to	PART
ejif-2086	213	17	introduce	introduce	VERB
ejif-2086	213	18	specially	specially	ADV
ejif-2086	213	19	tailored	tailor	VERB
ejif-2086	213	20	takaful	takaful	ADJ
ejif-2086	213	21	courses	course	NOUN
ejif-2086	213	22	for	for	ADP
ejif-2086	213	23	both	both	PRON
ejif-2086	213	24	staff	staff	NOUN
ejif-2086	213	25	and	and	CCONJ
ejif-2086	213	26	ace	ace	VERB
ejif-2086	213	27	members	member	NOUN
ejif-2086	213	28	.	.	PUNCT
ejif-2086	214	1	this	this	DET
ejif-2086	214	2	measure	measure	NOUN
ejif-2086	214	3	will	will	AUX
ejif-2086	214	4	serve	serve	VERB
ejif-2086	214	5	to	to	PART
ejif-2086	214	6	complement	complement	VERB
ejif-2086	214	7	their	their	PRON
ejif-2086	214	8	knowledge	knowledge	NOUN
ejif-2086	214	9	of	of	ADP
ejif-2086	214	10	conventional	conventional	ADJ
ejif-2086	214	11	insurance	insurance	NOUN
ejif-2086	214	12	or	or	CCONJ
ejif-2086	214	13	pure	pure	ADJ
ejif-2086	214	14	shariah	shariah	PROPN
ejif-2086	214	15	as	as	ADP
ejif-2086	214	16	the	the	DET
ejif-2086	214	17	case	case	NOUN
ejif-2086	214	18	maybe	maybe	ADV
ejif-2086	214	19	.	.	PUNCT
ejif-2086	215	1	furthermore	furthermore	ADV
ejif-2086	215	2	,	,	PUNCT
ejif-2086	215	3	the	the	DET
ejif-2086	215	4	establishment	establishment	NOUN
ejif-2086	215	5	of	of	ADP
ejif-2086	215	6	a	a	DET
ejif-2086	215	7	takaful	takaful	ADJ
ejif-2086	215	8	association	association	NOUN
ejif-2086	215	9	will	will	AUX
ejif-2086	215	10	help	help	VERB
ejif-2086	215	11	in	in	ADP
ejif-2086	215	12	enhancing	enhance	VERB
ejif-2086	215	13	knowledge	knowledge	NOUN
ejif-2086	215	14	sharing	sharing	NOUN
ejif-2086	215	15	between	between	ADP
ejif-2086	215	16	takaful	takaful	ADJ
ejif-2086	215	17	operators	operator	NOUN
ejif-2086	215	18	for	for	ADP
ejif-2086	215	19	the	the	DET
ejif-2086	215	20	benefit	benefit	NOUN
ejif-2086	215	21	of	of	ADP
ejif-2086	215	22	the	the	DET
ejif-2086	215	23	industry	industry	NOUN
ejif-2086	215	24	.	.	PUNCT
ejif-2086	216	1	4.2.3	4.2.3	NUM
ejif-2086	216	2	acceptability	acceptability	NOUN
ejif-2086	216	3	of	of	ADP
ejif-2086	216	4	islamic	islamic	ADJ
ejif-2086	216	5	finance	finance	NOUN
ejif-2086	216	6	product	product	NOUN
ejif-2086	216	7	and	and	CCONJ
ejif-2086	216	8	services	service	NOUN
ejif-2086	216	9	by	by	ADP
ejif-2086	216	10	non	non	NOUN
ejif-2086	216	11	-	-	NOUN
ejif-2086	216	12	muslims	muslim	NOUN
ejif-2086	216	13	just	just	ADV
ejif-2086	216	14	as	as	SCONJ
ejif-2086	216	15	the	the	DET
ejif-2086	216	16	introduction	introduction	NOUN
ejif-2086	216	17	of	of	ADP
ejif-2086	216	18	islamic	islamic	ADJ
ejif-2086	216	19	banking	banking	NOUN
ejif-2086	216	20	faced	face	VERB
ejif-2086	216	21	stiff	stiff	ADJ
ejif-2086	216	22	opposition	opposition	NOUN
ejif-2086	216	23	from	from	ADP
ejif-2086	216	24	a	a	DET
ejif-2086	216	25	section	section	NOUN
ejif-2086	216	26	of	of	ADP
ejif-2086	216	27	non	non	NOUN
ejif-2086	216	28	-	-	NOUN
ejif-2086	216	29	muslims	muslim	NOUN
ejif-2086	216	30	,	,	PUNCT
ejif-2086	216	31	takaful	takaful	ADJ
ejif-2086	216	32	is	be	AUX
ejif-2086	216	33	not	not	PART
ejif-2086	216	34	an	an	DET
ejif-2086	216	35	exception	exception	NOUN
ejif-2086	216	36	to	to	ADP
ejif-2086	216	37	this	this	DET
ejif-2086	216	38	primitive	primitive	ADJ
ejif-2086	216	39	ideology	ideology	NOUN
ejif-2086	216	40	of	of	ADP
ejif-2086	216	41	opposing	oppose	VERB
ejif-2086	216	42	noble	noble	ADJ
ejif-2086	216	43	ideas	idea	NOUN
ejif-2086	216	44	based	base	VERB
ejif-2086	216	45	on	on	ADP
ejif-2086	216	46	religious	religious	ADJ
ejif-2086	216	47	sentiments	sentiment	NOUN
ejif-2086	216	48	.	.	PUNCT
ejif-2086	217	1	phobia	phobia	NOUN
ejif-2086	217	2	for	for	ADP
ejif-2086	217	3	anything	anything	PRON
ejif-2086	217	4	tagged	tag	VERB
ejif-2086	217	5	islamic	islamic	ADJ
ejif-2086	217	6	by	by	ADP
ejif-2086	217	7	non	non	NOUN
ejif-2086	217	8	-	-	NOUN
ejif-2086	217	9	muslims	muslim	NOUN
ejif-2086	217	10	due	due	ADJ
ejif-2086	217	11	to	to	ADP
ejif-2086	217	12	the	the	DET
ejif-2086	217	13	activities	activity	NOUN
ejif-2086	217	14	of	of	ADP
ejif-2086	217	15	several	several	ADJ
ejif-2086	217	16	terror	terror	NOUN
ejif-2086	217	17	groups	group	NOUN
ejif-2086	217	18	falsely	falsely	ADV
ejif-2086	217	19	using	use	VERB
ejif-2086	217	20	the	the	DET
ejif-2086	217	21	name	name	NOUN
ejif-2086	217	22	of	of	ADP
ejif-2086	217	23	islam	islam	PROPN
ejif-2086	217	24	in	in	ADP
ejif-2086	217	25	their	their	PRON
ejif-2086	217	26	heinous	heinous	ADJ
ejif-2086	217	27	activities	activity	NOUN
ejif-2086	217	28	also	also	ADV
ejif-2086	217	29	contributes	contribute	VERB
ejif-2086	217	30	to	to	ADP
ejif-2086	217	31	the	the	DET
ejif-2086	217	32	problem	problem	NOUN
ejif-2086	217	33	[	[	X
ejif-2086	217	34	12	12	NUM
ejif-2086	217	35	]	]	PUNCT
ejif-2086	217	36	.	.	PUNCT
ejif-2086	218	1	this	this	DET
ejif-2086	218	2	negative	negative	ADJ
ejif-2086	218	3	attitude	attitude	NOUN
ejif-2086	218	4	poses	pose	VERB
ejif-2086	218	5	a	a	DET
ejif-2086	218	6	threat	threat	NOUN
ejif-2086	218	7	to	to	ADP
ejif-2086	218	8	the	the	DET
ejif-2086	218	9	growth	growth	NOUN
ejif-2086	218	10	of	of	ADP
ejif-2086	218	11	takaful	takaful	ADJ
ejif-2086	218	12	despite	despite	SCONJ
ejif-2086	218	13	the	the	DET
ejif-2086	218	14	immense	immense	ADJ
ejif-2086	218	15	viability	viability	NOUN
ejif-2086	218	16	of	of	ADP
ejif-2086	218	17	the	the	DET
ejif-2086	218	18	concept	concept	NOUN
ejif-2086	218	19	.	.	PUNCT
ejif-2086	219	1	such	such	DET
ejif-2086	219	2	a	a	DET
ejif-2086	219	3	problem	problem	NOUN
ejif-2086	219	4	bothering	bother	VERB
ejif-2086	219	5	on	on	ADP
ejif-2086	219	6	wrong	wrong	ADJ
ejif-2086	219	7	perception	perception	NOUN
ejif-2086	219	8	requires	require	VERB
ejif-2086	219	9	much	much	ADJ
ejif-2086	219	10	sensitisation	sensitisation	NOUN
ejif-2086	219	11	by	by	ADP
ejif-2086	219	12	all	all	DET
ejif-2086	219	13	stakeholders	stakeholder	NOUN
ejif-2086	219	14	in	in	ADP
ejif-2086	219	15	islam	islam	PROPN
ejif-2086	219	16	.	.	PUNCT
ejif-2086	220	1	beyond	beyond	ADP
ejif-2086	220	2	sensitisation	sensitisation	NOUN
ejif-2086	220	3	,	,	PUNCT
ejif-2086	220	4	a	a	DET
ejif-2086	220	5	more	more	ADV
ejif-2086	220	6	effective	effective	ADJ
ejif-2086	220	7	approach	approach	NOUN
ejif-2086	220	8	is	be	AUX
ejif-2086	220	9	the	the	DET
ejif-2086	220	10	exhibition	exhibition	NOUN
ejif-2086	220	11	of	of	ADP
ejif-2086	220	12	noble	noble	ADJ
ejif-2086	220	13	character	character	NOUN
ejif-2086	220	14	traits	trait	NOUN
ejif-2086	220	15	by	by	ADP
ejif-2086	220	16	muslims	muslim	NOUN
ejif-2086	220	17	to	to	PART
ejif-2086	220	18	discredit	discredit	VERB
ejif-2086	220	19	the	the	DET
ejif-2086	220	20	erroneous	erroneous	ADJ
ejif-2086	220	21	notion	notion	NOUN
ejif-2086	220	22	.	.	PUNCT
ejif-2086	221	1	4.2.4	4.2.4	NUM
ejif-2086	221	2	low	low	ADJ
ejif-2086	221	3	consumer	consumer	NOUN
ejif-2086	221	4	awareness	awareness	NOUN
ejif-2086	221	5	in	in	ADP
ejif-2086	221	6	-	-	PUNCT
ejif-2086	221	7	spite	spite	NOUN
ejif-2086	221	8	of	of	ADP
ejif-2086	221	9	government	government	NOUN
ejif-2086	221	10	’s	’s	PART
ejif-2086	221	11	commitment	commitment	NOUN
ejif-2086	221	12	to	to	PART
ejif-2086	221	13	increase	increase	VERB
ejif-2086	221	14	financial	financial	ADJ
ejif-2086	221	15	inclusion	inclusion	NOUN
ejif-2086	221	16	by	by	ADP
ejif-2086	221	17	deepening	deepen	VERB
ejif-2086	221	18	the	the	DET
ejif-2086	221	19	penetration	penetration	NOUN
ejif-2086	221	20	of	of	ADP
ejif-2086	221	21	financial	financial	ADJ
ejif-2086	221	22	services	service	NOUN
ejif-2086	221	23	such	such	ADJ
ejif-2086	221	24	as	as	ADP
ejif-2086	221	25	insurance	insurance	NOUN
ejif-2086	221	26	and	and	CCONJ
ejif-2086	221	27	takaful	takaful	ADJ
ejif-2086	221	28	,	,	PUNCT
ejif-2086	221	29	lack	lack	NOUN
ejif-2086	221	30	of	of	ADP
ejif-2086	221	31	basic	basic	ADJ
ejif-2086	221	32	understanding	understanding	NOUN
ejif-2086	221	33	of	of	ADP
ejif-2086	221	34	the	the	DET
ejif-2086	221	35	operations	operation	NOUN
ejif-2086	221	36	and	and	CCONJ
ejif-2086	221	37	benefits	benefit	NOUN
ejif-2086	221	38	of	of	ADP
ejif-2086	221	39	takaful	takaful	ADJ
ejif-2086	221	40	still	still	ADV
ejif-2086	221	41	prevails	prevail	VERB
ejif-2086	221	42	.	.	PUNCT
ejif-2086	222	1	takaful	takaful	ADJ
ejif-2086	222	2	services	service	NOUN
ejif-2086	222	3	are	be	AUX
ejif-2086	222	4	often	often	ADV
ejif-2086	222	5	wrongly	wrongly	ADV
ejif-2086	222	6	considered	consider	VERB
ejif-2086	222	7	as	as	ADP
ejif-2086	222	8	being	be	AUX
ejif-2086	222	9	meant	mean	VERB
ejif-2086	222	10	for	for	ADP
ejif-2086	222	11	wealthy	wealthy	ADJ
ejif-2086	222	12	people	people	NOUN
ejif-2086	222	13	.	.	PUNCT
ejif-2086	223	1	this	this	PRON
ejif-2086	223	2	is	be	AUX
ejif-2086	223	3	due	due	ADJ
ejif-2086	223	4	to	to	ADP
ejif-2086	223	5	the	the	DET
ejif-2086	223	6	ignorance	ignorance	NOUN
ejif-2086	223	7	of	of	ADP
ejif-2086	223	8	the	the	DET
ejif-2086	223	9	fact	fact	NOUN
ejif-2086	223	10	that	that	SCONJ
ejif-2086	223	11	family	family	NOUN
ejif-2086	223	12	takaful	takaful	ADJ
ejif-2086	223	13	incorporates	incorporate	VERB
ejif-2086	223	14	a	a	DET
ejif-2086	223	15	savings	saving	NOUN
ejif-2086	223	16	and	and	CCONJ
ejif-2086	223	17	investment	investment	NOUN
ejif-2086	223	18	element	element	NOUN
ejif-2086	223	19	capable	capable	ADJ
ejif-2086	223	20	of	of	ADP
ejif-2086	223	21	reducing	reduce	VERB
ejif-2086	223	22	the	the	DET
ejif-2086	223	23	effects	effect	NOUN
ejif-2086	223	24	of	of	ADP
ejif-2086	223	25	poverty	poverty	NOUN
ejif-2086	223	26	.	.	PUNCT
ejif-2086	224	1	the	the	DET
ejif-2086	224	2	belief	belief	NOUN
ejif-2086	224	3	also	also	ADV
ejif-2086	224	4	indicates	indicate	VERB
ejif-2086	224	5	lack	lack	NOUN
ejif-2086	224	6	of	of	ADP
ejif-2086	224	7	understanding	understanding	NOUN
ejif-2086	224	8	of	of	ADP
ejif-2086	224	9	the	the	DET
ejif-2086	224	10	nature	nature	NOUN
ejif-2086	224	11	of	of	ADP
ejif-2086	224	12	tabarru	tabarru	NOUN
ejif-2086	224	13	as	as	ADP
ejif-2086	224	14	a	a	DET
ejif-2086	224	15	shariah	shariah	PROPN
ejif-2086	224	16	concept	concept	NOUN
ejif-2086	224	17	.	.	PUNCT
ejif-2086	225	1	similarly	similarly	ADV
ejif-2086	225	2	,	,	PUNCT
ejif-2086	225	3	a	a	DET
ejif-2086	225	4	segment	segment	NOUN
ejif-2086	225	5	of	of	ADP
ejif-2086	225	6	the	the	DET
ejif-2086	225	7	society	society	NOUN
ejif-2086	225	8	hold	hold	VERB
ejif-2086	225	9	a	a	DET
ejif-2086	225	10	wrong	wrong	ADJ
ejif-2086	225	11	notion	notion	NOUN
ejif-2086	225	12	of	of	ADP
ejif-2086	225	13	relying	rely	VERB
ejif-2086	225	14	on	on	ADP
ejif-2086	225	15	allah	allah	PROPN
ejif-2086	225	16	and	and	CCONJ
ejif-2086	225	17	accepting	accept	VERB
ejif-2086	225	18	destiny	destiny	NOUN
ejif-2086	225	19	without	without	ADP
ejif-2086	225	20	making	make	VERB
ejif-2086	225	21	conscious	conscious	ADJ
ejif-2086	225	22	effort	effort	NOUN
ejif-2086	225	23	to	to	PART
ejif-2086	225	24	cushion	cushion	VERB
ejif-2086	225	25	the	the	DET
ejif-2086	225	26	effects	effect	NOUN
ejif-2086	225	27	of	of	ADP
ejif-2086	225	28	a	a	DET
ejif-2086	225	29	likely	likely	ADJ
ejif-2086	225	30	misfortune	misfortune	NOUN
ejif-2086	225	31	.	.	PUNCT
ejif-2086	226	1	the	the	DET
ejif-2086	226	2	development	development	NOUN
ejif-2086	226	3	of	of	ADP
ejif-2086	226	4	insurance	insurance	NOUN
ejif-2086	226	5	in	in	ADP
ejif-2086	226	6	general	general	ADJ
ejif-2086	226	7	is	be	AUX
ejif-2086	226	8	hindered	hinder	VERB
ejif-2086	226	9	by	by	ADP
ejif-2086	226	10	limited	limited	ADJ
ejif-2086	226	11	awareness	awareness	NOUN
ejif-2086	226	12	and	and	CCONJ
ejif-2086	226	13	scepticism	scepticism	NOUN
ejif-2086	226	14	;	;	PUNCT
ejif-2086	226	15	and	and	CCONJ
ejif-2086	226	16	distrust	distrust	NOUN
ejif-2086	226	17	from	from	ADP
ejif-2086	226	18	enlightened	enlightened	ADJ
ejif-2086	226	19	people	people	NOUN
ejif-2086	226	20	especially	especially	ADV
ejif-2086	226	21	urban	urban	ADJ
ejif-2086	226	22	dwellers	dweller	NOUN
ejif-2086	226	23	due	due	ADP
ejif-2086	226	24	to	to	ADP
ejif-2086	226	25	several	several	ADJ
ejif-2086	226	26	cases	case	NOUN
ejif-2086	226	27	of	of	ADP
ejif-2086	226	28	failure	failure	NOUN
ejif-2086	226	29	to	to	PART
ejif-2086	226	30	pay	pay	VERB
ejif-2086	226	31	genuine	genuine	ADJ
ejif-2086	226	32	claims	claim	NOUN
ejif-2086	226	33	[	[	X
ejif-2086	226	34	13	13	NUM
ejif-2086	226	35	]	]	PUNCT
ejif-2086	226	36	.	.	PUNCT
ejif-2086	227	1	the	the	DET
ejif-2086	227	2	average	average	ADJ
ejif-2086	227	3	nigerian	nigerian	NOUN
ejif-2086	227	4	suffers	suffer	VERB
ejif-2086	227	5	from	from	ADP
ejif-2086	227	6	lack	lack	NOUN
ejif-2086	227	7	of	of	ADP
ejif-2086	227	8	awareness	awareness	NOUN
ejif-2086	227	9	about	about	ADP
ejif-2086	227	10	insurance	insurance	NOUN
ejif-2086	227	11	process	process	NOUN
ejif-2086	227	12	[	[	X
ejif-2086	227	13	27	27	NUM
ejif-2086	227	14	]	]	PUNCT
ejif-2086	227	15	.	.	PUNCT
ejif-2086	228	1	the	the	DET
ejif-2086	228	2	problem	problem	NOUN
ejif-2086	228	3	of	of	ADP
ejif-2086	228	4	consumer	consumer	NOUN
ejif-2086	228	5	awareness	awareness	NOUN
ejif-2086	228	6	can	can	AUX
ejif-2086	228	7	only	only	ADV
ejif-2086	228	8	be	be	AUX
ejif-2086	228	9	solved	solve	VERB
ejif-2086	228	10	through	through	ADP
ejif-2086	228	11	concerted	concerted	ADJ
ejif-2086	228	12	efforts	effort	NOUN
ejif-2086	228	13	by	by	ADP
ejif-2086	228	14	the	the	DET
ejif-2086	228	15	regulator	regulator	NOUN
ejif-2086	228	16	and	and	CCONJ
ejif-2086	228	17	takaful	takaful	ADJ
ejif-2086	228	18	operators	operator	NOUN
ejif-2086	228	19	to	to	PART
ejif-2086	228	20	hold	hold	VERB
ejif-2086	228	21	enlightenment	enlightenment	PROPN
ejif-2086	228	22	ejif	ejif	PROPN
ejif-2086	228	23	–	–	PUNCT
ejif-2086	228	24	european	european	PROPN
ejif-2086	228	25	journal	journal	PROPN
ejif-2086	228	26	of	of	ADP
ejif-2086	228	27	islamic	islamic	PROPN
ejif-2086	228	28	finance	finance	PROPN
ejif-2086	228	29	no8	no8	PROPN
ejif-2086	228	30	,	,	PUNCT
ejif-2086	228	31	december	december	PROPN
ejif-2086	228	32	(	(	PUNCT
ejif-2086	228	33	2017	2017	NUM
ejif-2086	228	34	)	)	PUNCT
ejif-2086	229	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	229	2	issn	issn	VERB
ejif-2086	229	3	2421	2421	NUM
ejif-2086	229	4	-	-	SYM
ejif-2086	229	5	2172	2172	NUM
ejif-2086	229	6	8	8	NUM
ejif-2086	229	7	campaigns	campaign	NOUN
ejif-2086	229	8	aimed	aim	VERB
ejif-2086	229	9	at	at	ADP
ejif-2086	229	10	reversing	reverse	VERB
ejif-2086	229	11	the	the	DET
ejif-2086	229	12	deeply	deeply	ADV
ejif-2086	229	13	rooted	rooted	ADJ
ejif-2086	229	14	negative	negative	ADJ
ejif-2086	229	15	notion	notion	NOUN
ejif-2086	229	16	of	of	ADP
ejif-2086	229	17	insurance	insurance	NOUN
ejif-2086	229	18	among	among	ADP
ejif-2086	229	19	the	the	DET
ejif-2086	229	20	populace	populace	NOUN
ejif-2086	229	21	.	.	PUNCT
ejif-2086	230	1	the	the	DET
ejif-2086	230	2	uniqueness	uniqueness	NOUN
ejif-2086	230	3	of	of	ADP
ejif-2086	230	4	family	family	NOUN
ejif-2086	230	5	takaful	takaful	ADJ
ejif-2086	230	6	which	which	PRON
ejif-2086	230	7	incorporates	incorporate	VERB
ejif-2086	230	8	an	an	DET
ejif-2086	230	9	investment	investment	NOUN
ejif-2086	230	10	element	element	NOUN
ejif-2086	230	11	for	for	ADP
ejif-2086	230	12	the	the	DET
ejif-2086	230	13	participants	participant	NOUN
ejif-2086	230	14	can	can	AUX
ejif-2086	230	15	be	be	AUX
ejif-2086	230	16	a	a	DET
ejif-2086	230	17	good	good	ADJ
ejif-2086	230	18	selling	selling	NOUN
ejif-2086	230	19	point	point	NOUN
ejif-2086	230	20	especially	especially	ADV
ejif-2086	230	21	when	when	SCONJ
ejif-2086	230	22	advertising	advertising	NOUN
ejif-2086	230	23	to	to	ADP
ejif-2086	230	24	lower	low	ADJ
ejif-2086	230	25	income	income	NOUN
ejif-2086	230	26	segment	segment	NOUN
ejif-2086	230	27	of	of	ADP
ejif-2086	230	28	the	the	DET
ejif-2086	230	29	society	society	NOUN
ejif-2086	230	30	who	who	PRON
ejif-2086	230	31	mostly	mostly	ADV
ejif-2086	230	32	view	view	VERB
ejif-2086	230	33	insurance	insurance	NOUN
ejif-2086	230	34	as	as	ADP
ejif-2086	230	35	a	a	DET
ejif-2086	230	36	luxury	luxury	NOUN
ejif-2086	230	37	due	due	ADP
ejif-2086	230	38	to	to	ADP
ejif-2086	230	39	their	their	PRON
ejif-2086	230	40	ancient	ancient	ADJ
ejif-2086	230	41	belief	belief	NOUN
ejif-2086	230	42	:	:	PUNCT
ejif-2086	230	43	“	"	PUNCT
ejif-2086	230	44	if	if	SCONJ
ejif-2086	230	45	you	you	PRON
ejif-2086	230	46	have	have	VERB
ejif-2086	230	47	nothing	nothing	PRON
ejif-2086	230	48	,	,	PUNCT
ejif-2086	230	49	you	you	PRON
ejif-2086	230	50	have	have	VERB
ejif-2086	230	51	nothing	nothing	PRON
ejif-2086	230	52	to	to	PART
ejif-2086	230	53	lose	lose	VERB
ejif-2086	230	54	”	"	PUNCT
ejif-2086	230	55	which	which	PRON
ejif-2086	230	56	discourages	discourage	VERB
ejif-2086	230	57	them	they	PRON
ejif-2086	230	58	from	from	ADP
ejif-2086	230	59	participating	participate	VERB
ejif-2086	230	60	in	in	ADP
ejif-2086	230	61	any	any	DET
ejif-2086	230	62	form	form	NOUN
ejif-2086	230	63	of	of	ADP
ejif-2086	230	64	insurance	insurance	NOUN
ejif-2086	230	65	.	.	PUNCT
ejif-2086	231	1	more	more	ADV
ejif-2086	231	2	importantly	importantly	ADV
ejif-2086	231	3	,	,	PUNCT
ejif-2086	231	4	there	there	PRON
ejif-2086	231	5	should	should	AUX
ejif-2086	231	6	be	be	AUX
ejif-2086	231	7	more	more	ADJ
ejif-2086	231	8	sensitisation	sensitisation	NOUN
ejif-2086	231	9	on	on	ADP
ejif-2086	231	10	the	the	DET
ejif-2086	231	11	underlying	underlying	ADJ
ejif-2086	231	12	principle	principle	NOUN
ejif-2086	231	13	of	of	ADP
ejif-2086	231	14	tabarru	tabarru	NOUN
ejif-2086	231	15	being	be	AUX
ejif-2086	231	16	the	the	DET
ejif-2086	231	17	bedrock	bedrock	NOUN
ejif-2086	231	18	of	of	ADP
ejif-2086	231	19	takaful	takaful	ADJ
ejif-2086	231	20	operations	operation	NOUN
ejif-2086	231	21	.	.	PUNCT
ejif-2086	232	1	4.2.5	4.2.5	NUM
ejif-2086	232	2	limited	limit	VERB
ejif-2086	232	3	shariah	shariah	PROPN
ejif-2086	232	4	compliant	compliant	ADJ
ejif-2086	232	5	investment	investment	NOUN
ejif-2086	232	6	avenues	avenue	NOUN
ejif-2086	232	7	takaful	takaful	ADJ
ejif-2086	232	8	operators	operator	NOUN
ejif-2086	232	9	are	be	AUX
ejif-2086	232	10	required	require	VERB
ejif-2086	232	11	to	to	PART
ejif-2086	232	12	ensure	ensure	VERB
ejif-2086	232	13	end	end	NOUN
ejif-2086	232	14	to	to	PART
ejif-2086	232	15	end	end	VERB
ejif-2086	232	16	compliance	compliance	NOUN
ejif-2086	232	17	with	with	ADP
ejif-2086	232	18	shariah	shariah	PROPN
ejif-2086	232	19	as	as	ADV
ejif-2086	232	20	much	much	ADV
ejif-2086	232	21	as	as	ADP
ejif-2086	232	22	possible	possible	ADJ
ejif-2086	232	23	.	.	PUNCT
ejif-2086	233	1	this	this	PRON
ejif-2086	233	2	means	mean	VERB
ejif-2086	233	3	they	they	PRON
ejif-2086	233	4	can	can	AUX
ejif-2086	233	5	only	only	ADV
ejif-2086	233	6	invest	invest	VERB
ejif-2086	233	7	in	in	ADP
ejif-2086	233	8	shariah	shariah	PROPN
ejif-2086	233	9	compliant	compliant	ADJ
ejif-2086	233	10	avenues	avenue	NOUN
ejif-2086	233	11	.	.	PUNCT
ejif-2086	234	1	the	the	DET
ejif-2086	234	2	availability	availability	NOUN
ejif-2086	234	3	of	of	ADP
ejif-2086	234	4	such	such	ADJ
ejif-2086	234	5	avenues	avenue	NOUN
ejif-2086	234	6	is	be	AUX
ejif-2086	234	7	still	still	ADV
ejif-2086	234	8	very	very	ADV
ejif-2086	234	9	limited	limited	ADJ
ejif-2086	234	10	due	due	ADP
ejif-2086	234	11	to	to	PART
ejif-2086	234	12	slow	slow	VERB
ejif-2086	234	13	development	development	NOUN
ejif-2086	234	14	of	of	ADP
ejif-2086	234	15	the	the	DET
ejif-2086	234	16	islamic	islamic	ADJ
ejif-2086	234	17	capital	capital	NOUN
ejif-2086	234	18	markets	market	NOUN
ejif-2086	234	19	in	in	ADP
ejif-2086	234	20	nigeria	nigeria	PROPN
ejif-2086	234	21	.	.	PUNCT
ejif-2086	235	1	the	the	DET
ejif-2086	235	2	dominance	dominance	NOUN
ejif-2086	235	3	of	of	ADP
ejif-2086	235	4	interest	interest	NOUN
ejif-2086	235	5	based	base	VERB
ejif-2086	235	6	investment	investment	NOUN
ejif-2086	235	7	options	option	NOUN
ejif-2086	235	8	over	over	ADP
ejif-2086	235	9	shariah	shariah	PROPN
ejif-2086	235	10	compliant	compliant	ADJ
ejif-2086	235	11	alternatives	alternative	NOUN
ejif-2086	235	12	limits	limit	VERB
ejif-2086	235	13	the	the	DET
ejif-2086	235	14	investment	investment	NOUN
ejif-2086	235	15	options	option	NOUN
ejif-2086	235	16	for	for	ADP
ejif-2086	235	17	takaful	takaful	ADJ
ejif-2086	235	18	operators	operator	NOUN
ejif-2086	235	19	to	to	PART
ejif-2086	235	20	mostly	mostly	ADV
ejif-2086	235	21	shariah	shariah	PROPN
ejif-2086	235	22	compliant	compliant	ADJ
ejif-2086	235	23	stocks	stock	NOUN
ejif-2086	235	24	listed	list	VERB
ejif-2086	235	25	on	on	ADP
ejif-2086	235	26	nigeria	nigeria	PROPN
ejif-2086	235	27	’s	’s	PART
ejif-2086	235	28	lotus	lotus	PROPN
ejif-2086	235	29	islamic	islamic	PROPN
ejif-2086	235	30	index	index	PROPN
ejif-2086	235	31	[	[	X
ejif-2086	235	32	31	31	NUM
ejif-2086	235	33	]	]	PUNCT
ejif-2086	235	34	.	.	PUNCT
ejif-2086	236	1	this	this	DET
ejif-2086	236	2	problem	problem	NOUN
ejif-2086	236	3	is	be	AUX
ejif-2086	236	4	a	a	DET
ejif-2086	236	5	serious	serious	ADJ
ejif-2086	236	6	one	one	NOUN
ejif-2086	236	7	as	as	SCONJ
ejif-2086	236	8	it	it	PRON
ejif-2086	236	9	affects	affect	VERB
ejif-2086	236	10	the	the	DET
ejif-2086	236	11	profitability	profitability	NOUN
ejif-2086	236	12	and	and	CCONJ
ejif-2086	236	13	subsequent	subsequent	ADJ
ejif-2086	236	14	continuity	continuity	NOUN
ejif-2086	236	15	of	of	ADP
ejif-2086	236	16	takaful	takaful	ADJ
ejif-2086	236	17	operations	operation	NOUN
ejif-2086	236	18	.	.	PUNCT
ejif-2086	237	1	to	to	PART
ejif-2086	237	2	achieve	achieve	VERB
ejif-2086	237	3	the	the	DET
ejif-2086	237	4	much	much	ADV
ejif-2086	237	5	-	-	PUNCT
ejif-2086	237	6	needed	need	VERB
ejif-2086	237	7	end	end	NOUN
ejif-2086	237	8	to	to	PART
ejif-2086	237	9	end	end	VERB
ejif-2086	237	10	shariah	shariah	PROPN
ejif-2086	237	11	compliance	compliance	NOUN
ejif-2086	237	12	,	,	PUNCT
ejif-2086	237	13	there	there	PRON
ejif-2086	237	14	needs	need	VERB
ejif-2086	237	15	to	to	PART
ejif-2086	237	16	be	be	AUX
ejif-2086	237	17	a	a	DET
ejif-2086	237	18	revitalization	revitalization	NOUN
ejif-2086	237	19	of	of	ADP
ejif-2086	237	20	the	the	DET
ejif-2086	237	21	financial	financial	ADJ
ejif-2086	237	22	markets	market	NOUN
ejif-2086	237	23	to	to	PART
ejif-2086	237	24	provide	provide	VERB
ejif-2086	237	25	efficient	efficient	ADJ
ejif-2086	237	26	and	and	CCONJ
ejif-2086	237	27	profitable	profitable	ADJ
ejif-2086	237	28	shariah	shariah	PROPN
ejif-2086	237	29	compliant	compliant	ADJ
ejif-2086	237	30	investment	investment	NOUN
ejif-2086	237	31	alternatives	alternative	NOUN
ejif-2086	237	32	for	for	ADP
ejif-2086	237	33	takaful	takaful	ADJ
ejif-2086	237	34	operators	operator	NOUN
ejif-2086	237	35	and	and	CCONJ
ejif-2086	237	36	other	other	ADJ
ejif-2086	237	37	non	non	ADJ
ejif-2086	237	38	-	-	ADJ
ejif-2086	237	39	interest	interest	ADJ
ejif-2086	237	40	financial	financial	ADJ
ejif-2086	237	41	institutions	institution	NOUN
ejif-2086	237	42	.	.	PUNCT
ejif-2086	238	1	4.2.6	4.2.6	PRON
ejif-2086	238	2	inadequate	inadequate	ADJ
ejif-2086	238	3	re	re	ADJ
ejif-2086	238	4	-	-	ADJ
ejif-2086	238	5	takaful	takaful	ADJ
ejif-2086	238	6	capacity	capacity	NOUN
ejif-2086	238	7	effective	effective	ADJ
ejif-2086	238	8	functioning	functioning	NOUN
ejif-2086	238	9	of	of	ADP
ejif-2086	238	10	takaful	takaful	ADJ
ejif-2086	238	11	requires	require	VERB
ejif-2086	238	12	support	support	NOUN
ejif-2086	238	13	from	from	ADP
ejif-2086	238	14	re	re	ADJ
ejif-2086	238	15	-	-	ADJ
ejif-2086	238	16	takaful	takaful	ADJ
ejif-2086	238	17	operators	operator	NOUN
ejif-2086	238	18	who	who	PRON
ejif-2086	238	19	provide	provide	VERB
ejif-2086	238	20	cover	cover	NOUN
ejif-2086	238	21	for	for	ADP
ejif-2086	238	22	the	the	DET
ejif-2086	238	23	takaful	takaful	ADJ
ejif-2086	238	24	operators	operator	NOUN
ejif-2086	238	25	.	.	PUNCT
ejif-2086	239	1	lack	lack	NOUN
ejif-2086	239	2	of	of	ADP
ejif-2086	239	3	adequate	adequate	ADJ
ejif-2086	239	4	re	re	ADJ
ejif-2086	239	5	-	-	ADJ
ejif-2086	239	6	takaful	takaful	ADJ
ejif-2086	239	7	services	service	NOUN
ejif-2086	239	8	significantly	significantly	ADV
ejif-2086	239	9	limits	limit	VERB
ejif-2086	239	10	the	the	DET
ejif-2086	239	11	capacity	capacity	NOUN
ejif-2086	239	12	of	of	ADP
ejif-2086	239	13	takaful	takaful	ADJ
ejif-2086	239	14	operators	operator	NOUN
ejif-2086	239	15	as	as	SCONJ
ejif-2086	239	16	they	they	PRON
ejif-2086	239	17	need	need	VERB
ejif-2086	239	18	such	such	ADJ
ejif-2086	239	19	services	service	NOUN
ejif-2086	239	20	to	to	PART
ejif-2086	239	21	attain	attain	VERB
ejif-2086	239	22	optimal	optimal	ADJ
ejif-2086	239	23	operation	operation	NOUN
ejif-2086	239	24	capacity	capacity	NOUN
ejif-2086	239	25	and	and	CCONJ
ejif-2086	239	26	function	function	NOUN
ejif-2086	239	27	effectively	effectively	ADV
ejif-2086	239	28	.	.	PUNCT
ejif-2086	240	1	a	a	DET
ejif-2086	240	2	major	major	ADJ
ejif-2086	240	3	challenge	challenge	NOUN
ejif-2086	240	4	for	for	ADP
ejif-2086	240	5	present	present	ADJ
ejif-2086	240	6	and	and	CCONJ
ejif-2086	240	7	prospective	prospective	ADJ
ejif-2086	240	8	takaful	takaful	ADJ
ejif-2086	240	9	operators	operator	NOUN
ejif-2086	240	10	is	be	AUX
ejif-2086	240	11	the	the	DET
ejif-2086	240	12	lack	lack	NOUN
ejif-2086	240	13	of	of	ADP
ejif-2086	240	14	re	re	ADJ
ejif-2086	240	15	-	-	ADJ
ejif-2086	240	16	takaful	takaful	ADJ
ejif-2086	240	17	services	service	NOUN
ejif-2086	240	18	to	to	PART
ejif-2086	240	19	protect	protect	VERB
ejif-2086	240	20	their	their	PRON
ejif-2086	240	21	risk	risk	NOUN
ejif-2086	240	22	exposure	exposure	NOUN
ejif-2086	240	23	and	and	CCONJ
ejif-2086	240	24	absorb	absorb	VERB
ejif-2086	240	25	shocks	shock	NOUN
ejif-2086	240	26	in	in	ADP
ejif-2086	240	27	the	the	DET
ejif-2086	240	28	industry	industry	NOUN
ejif-2086	240	29	[	[	X
ejif-2086	240	30	2	2	NUM
ejif-2086	240	31	]	]	PUNCT
ejif-2086	240	32	.	.	PUNCT
ejif-2086	241	1	because	because	SCONJ
ejif-2086	241	2	of	of	ADP
ejif-2086	241	3	this	this	DET
ejif-2086	241	4	problem	problem	NOUN
ejif-2086	241	5	,	,	PUNCT
ejif-2086	241	6	takaful	takaful	ADJ
ejif-2086	241	7	operators	operator	NOUN
ejif-2086	241	8	are	be	AUX
ejif-2086	241	9	compelled	compel	VERB
ejif-2086	241	10	to	to	PART
ejif-2086	241	11	patronise	patronise	VERB
ejif-2086	241	12	conventional	conventional	ADJ
ejif-2086	241	13	re	re	NOUN
ejif-2086	241	14	-	-	NOUN
ejif-2086	241	15	insurance	insurance	ADJ
ejif-2086	241	16	companies	company	NOUN
ejif-2086	241	17	as	as	ADP
ejif-2086	241	18	a	a	DET
ejif-2086	241	19	last	last	ADJ
ejif-2086	241	20	resort	resort	NOUN
ejif-2086	241	21	.	.	PUNCT
ejif-2086	242	1	this	this	PRON
ejif-2086	242	2	inhibits	inhibit	VERB
ejif-2086	242	3	the	the	DET
ejif-2086	242	4	ideal	ideal	ADJ
ejif-2086	242	5	practice	practice	NOUN
ejif-2086	242	6	of	of	ADP
ejif-2086	242	7	ensuring	ensure	VERB
ejif-2086	242	8	end	end	NOUN
ejif-2086	242	9	to	to	PART
ejif-2086	242	10	end	end	VERB
ejif-2086	242	11	shariah	shariah	PROPN
ejif-2086	242	12	compliance	compliance	NOUN
ejif-2086	242	13	.	.	PUNCT
ejif-2086	243	1	therefore	therefore	ADV
ejif-2086	243	2	,	,	PUNCT
ejif-2086	243	3	the	the	DET
ejif-2086	243	4	establishment	establishment	NOUN
ejif-2086	243	5	of	of	ADP
ejif-2086	243	6	re	re	ADJ
ejif-2086	243	7	-	-	ADJ
ejif-2086	243	8	takaful	takaful	ADJ
ejif-2086	243	9	companies	company	NOUN
ejif-2086	243	10	is	be	AUX
ejif-2086	243	11	a	a	DET
ejif-2086	243	12	matter	matter	NOUN
ejif-2086	243	13	of	of	ADP
ejif-2086	243	14	urgency	urgency	NOUN
ejif-2086	243	15	for	for	ADP
ejif-2086	243	16	the	the	DET
ejif-2086	243	17	growth	growth	NOUN
ejif-2086	243	18	and	and	CCONJ
ejif-2086	243	19	development	development	NOUN
ejif-2086	243	20	of	of	ADP
ejif-2086	243	21	takaful	takaful	ADJ
ejif-2086	243	22	operations	operation	NOUN
ejif-2086	243	23	.	.	PUNCT
ejif-2086	244	1	5	5	X
ejif-2086	244	2	.	.	X
ejif-2086	244	3	conclusion	conclusion	NOUN
ejif-2086	244	4	this	this	DET
ejif-2086	244	5	research	research	NOUN
ejif-2086	244	6	provides	provide	VERB
ejif-2086	244	7	an	an	DET
ejif-2086	244	8	overview	overview	NOUN
ejif-2086	244	9	of	of	ADP
ejif-2086	244	10	takaful	takaful	ADJ
ejif-2086	244	11	operations	operation	NOUN
ejif-2086	244	12	in	in	ADP
ejif-2086	244	13	nigeria	nigeria	PROPN
ejif-2086	244	14	.	.	PUNCT
ejif-2086	245	1	generally	generally	ADV
ejif-2086	245	2	,	,	PUNCT
ejif-2086	245	3	the	the	DET
ejif-2086	245	4	potentials	potential	NOUN
ejif-2086	245	5	for	for	ADP
ejif-2086	245	6	growth	growth	NOUN
ejif-2086	245	7	are	be	AUX
ejif-2086	245	8	very	very	ADV
ejif-2086	245	9	impressive	impressive	ADJ
ejif-2086	245	10	although	although	SCONJ
ejif-2086	245	11	the	the	DET
ejif-2086	245	12	actual	actual	ADJ
ejif-2086	245	13	growth	growth	NOUN
ejif-2086	245	14	has	have	AUX
ejif-2086	245	15	not	not	PART
ejif-2086	245	16	been	be	AUX
ejif-2086	245	17	as	as	ADV
ejif-2086	245	18	impressive	impressive	ADJ
ejif-2086	245	19	.	.	PUNCT
ejif-2086	246	1	the	the	DET
ejif-2086	246	2	research	research	NOUN
ejif-2086	246	3	identified	identify	VERB
ejif-2086	246	4	several	several	ADJ
ejif-2086	246	5	challenges	challenge	NOUN
ejif-2086	246	6	as	as	ADP
ejif-2086	246	7	the	the	DET
ejif-2086	246	8	factors	factor	NOUN
ejif-2086	246	9	inhibiting	inhibit	VERB
ejif-2086	246	10	takaful	takaful	ADJ
ejif-2086	246	11	operations	operation	NOUN
ejif-2086	246	12	in	in	ADP
ejif-2086	246	13	nigeria	nigeria	PROPN
ejif-2086	246	14	.	.	PUNCT
ejif-2086	247	1	although	although	SCONJ
ejif-2086	247	2	the	the	DET
ejif-2086	247	3	challenges	challenge	NOUN
ejif-2086	247	4	have	have	AUX
ejif-2086	247	5	persisted	persist	VERB
ejif-2086	247	6	over	over	ADP
ejif-2086	247	7	the	the	DET
ejif-2086	247	8	years	year	NOUN
ejif-2086	247	9	,	,	PUNCT
ejif-2086	247	10	effective	effective	ADJ
ejif-2086	247	11	implementation	implementation	NOUN
ejif-2086	247	12	of	of	ADP
ejif-2086	247	13	the	the	DET
ejif-2086	247	14	proffered	proffered	ADJ
ejif-2086	247	15	solutions	solution	NOUN
ejif-2086	247	16	will	will	AUX
ejif-2086	247	17	certainly	certainly	ADV
ejif-2086	247	18	contribute	contribute	VERB
ejif-2086	247	19	significantly	significantly	ADV
ejif-2086	247	20	to	to	ADP
ejif-2086	247	21	enhancing	enhance	VERB
ejif-2086	247	22	the	the	DET
ejif-2086	247	23	efficiency	efficiency	NOUN
ejif-2086	247	24	and	and	CCONJ
ejif-2086	247	25	viability	viability	NOUN
ejif-2086	247	26	takaful	takaful	ADJ
ejif-2086	247	27	operations	operation	NOUN
ejif-2086	247	28	in	in	ADP
ejif-2086	247	29	the	the	DET
ejif-2086	247	30	country	country	NOUN
ejif-2086	247	31	.	.	PUNCT
ejif-2086	248	1	notably	notably	ADV
ejif-2086	248	2	,	,	PUNCT
ejif-2086	248	3	there	there	PRON
ejif-2086	248	4	is	be	VERB
ejif-2086	248	5	an	an	DET
ejif-2086	248	6	urgent	urgent	ADJ
ejif-2086	248	7	need	need	NOUN
ejif-2086	248	8	for	for	ADP
ejif-2086	248	9	a	a	DET
ejif-2086	248	10	comprehensive	comprehensive	ADJ
ejif-2086	248	11	regulatory	regulatory	ADJ
ejif-2086	248	12	framework	framework	NOUN
ejif-2086	248	13	,	,	PUNCT
ejif-2086	248	14	attractive	attractive	ADJ
ejif-2086	248	15	incentives	incentive	NOUN
ejif-2086	248	16	,	,	PUNCT
ejif-2086	248	17	awareness	awareness	NOUN
ejif-2086	248	18	creation	creation	NOUN
ejif-2086	248	19	and	and	CCONJ
ejif-2086	248	20	shariah	shariah	PROPN
ejif-2086	248	21	compliant	compliant	ADJ
ejif-2086	248	22	investment	investment	NOUN
ejif-2086	248	23	products	product	NOUN
ejif-2086	248	24	among	among	ADP
ejif-2086	248	25	other	other	ADJ
ejif-2086	248	26	necessities	necessity	NOUN
ejif-2086	248	27	.	.	PUNCT
ejif-2086	249	1	the	the	DET
ejif-2086	249	2	need	need	NOUN
ejif-2086	249	3	for	for	ADP
ejif-2086	249	4	concerted	concerted	ADJ
ejif-2086	249	5	effort	effort	NOUN
ejif-2086	249	6	to	to	PART
ejif-2086	249	7	promote	promote	VERB
ejif-2086	249	8	takaful	takaful	ADJ
ejif-2086	249	9	is	be	AUX
ejif-2086	249	10	paramount	paramount	ADJ
ejif-2086	249	11	considering	consider	VERB
ejif-2086	249	12	the	the	DET
ejif-2086	249	13	potential	potential	ADJ
ejif-2086	249	14	benefits	benefit	NOUN
ejif-2086	249	15	it	it	PRON
ejif-2086	249	16	holds	hold	VERB
ejif-2086	249	17	for	for	ADP
ejif-2086	249	18	the	the	DET
ejif-2086	249	19	nigerian	nigerian	ADJ
ejif-2086	249	20	populace	populace	NOUN
ejif-2086	249	21	and	and	CCONJ
ejif-2086	249	22	its	its	PRON
ejif-2086	249	23	vital	vital	ADJ
ejif-2086	249	24	role	role	NOUN
ejif-2086	249	25	in	in	ADP
ejif-2086	249	26	making	make	VERB
ejif-2086	249	27	the	the	DET
ejif-2086	249	28	financial	financial	ADJ
ejif-2086	249	29	system	system	NOUN
ejif-2086	249	30	strategy	strategy	NOUN
ejif-2086	249	31	2020	2020	NUM
ejif-2086	249	32	a	a	DET
ejif-2086	249	33	reality	reality	NOUN
ejif-2086	249	34	.	.	PUNCT
ejif-2086	250	1	nigeria	nigeria	PROPN
ejif-2086	250	2	as	as	ADP
ejif-2086	250	3	a	a	DET
ejif-2086	250	4	country	country	NOUN
ejif-2086	250	5	arguably	arguably	ADV
ejif-2086	250	6	referred	refer	VERB
ejif-2086	250	7	to	to	ADP
ejif-2086	250	8	as	as	SCONJ
ejif-2086	250	9	the	the	DET
ejif-2086	250	10	giant	giant	NOUN
ejif-2086	250	11	of	of	ADP
ejif-2086	250	12	africa	africa	PROPN
ejif-2086	250	13	needs	need	VERB
ejif-2086	250	14	to	to	PART
ejif-2086	250	15	take	take	VERB
ejif-2086	250	16	proactive	proactive	ADJ
ejif-2086	250	17	measures	measure	NOUN
ejif-2086	250	18	to	to	PART
ejif-2086	250	19	ensure	ensure	VERB
ejif-2086	250	20	that	that	SCONJ
ejif-2086	250	21	it	it	PRON
ejif-2086	250	22	indeed	indeed	ADV
ejif-2086	250	23	remains	remain	VERB
ejif-2086	250	24	the	the	DET
ejif-2086	250	25	giant	giant	NOUN
ejif-2086	250	26	of	of	ADP
ejif-2086	250	27	africa	africa	PROPN
ejif-2086	250	28	.	.	PUNCT
ejif-2086	251	1	this	this	PRON
ejif-2086	251	2	requires	require	VERB
ejif-2086	251	3	keeping	keep	VERB
ejif-2086	251	4	up	up	ADP
ejif-2086	251	5	with	with	ADP
ejif-2086	251	6	developments	development	NOUN
ejif-2086	251	7	in	in	ADP
ejif-2086	251	8	the	the	DET
ejif-2086	251	9	global	global	ADJ
ejif-2086	251	10	financial	financial	ADJ
ejif-2086	251	11	system	system	NOUN
ejif-2086	251	12	of	of	ADP
ejif-2086	251	13	which	which	PRON
ejif-2086	251	14	islamic	islamic	ADJ
ejif-2086	251	15	finance	finance	NOUN
ejif-2086	251	16	generally	generally	ADV
ejif-2086	251	17	is	be	AUX
ejif-2086	251	18	gaining	gain	VERB
ejif-2086	251	19	prominence	prominence	NOUN
ejif-2086	251	20	.	.	PUNCT
ejif-2086	252	1	as	as	ADP
ejif-2086	252	2	such	such	ADJ
ejif-2086	252	3	,	,	PUNCT
ejif-2086	252	4	nigeria	nigeria	PROPN
ejif-2086	252	5	should	should	AUX
ejif-2086	252	6	not	not	PART
ejif-2086	252	7	be	be	AUX
ejif-2086	252	8	left	leave	VERB
ejif-2086	252	9	out	out	ADP
ejif-2086	252	10	especially	especially	ADV
ejif-2086	252	11	in	in	ADP
ejif-2086	252	12	view	view	NOUN
ejif-2086	252	13	of	of	ADP
ejif-2086	252	14	the	the	DET
ejif-2086	252	15	need	need	NOUN
ejif-2086	252	16	for	for	ADP
ejif-2086	252	17	a	a	DET
ejif-2086	252	18	robust	robust	ADJ
ejif-2086	252	19	financial	financial	ADJ
ejif-2086	252	20	system	system	NOUN
ejif-2086	252	21	that	that	PRON
ejif-2086	252	22	will	will	AUX
ejif-2086	252	23	support	support	VERB
ejif-2086	252	24	the	the	DET
ejif-2086	252	25	country	country	NOUN
ejif-2086	252	26	’s	’s	PART
ejif-2086	252	27	quest	quest	NOUN
ejif-2086	252	28	to	to	PART
ejif-2086	252	29	attain	attain	VERB
ejif-2086	252	30	greater	great	ADJ
ejif-2086	252	31	heights	height	NOUN
ejif-2086	252	32	.	.	PUNCT
ejif-2086	253	1	despite	despite	SCONJ
ejif-2086	253	2	the	the	DET
ejif-2086	253	3	slow	slow	ADJ
ejif-2086	253	4	growth	growth	NOUN
ejif-2086	253	5	experienced	experience	VERB
ejif-2086	253	6	in	in	ADP
ejif-2086	253	7	the	the	DET
ejif-2086	253	8	takaful	takaful	ADJ
ejif-2086	253	9	sector	sector	NOUN
ejif-2086	253	10	over	over	ADP
ejif-2086	253	11	the	the	DET
ejif-2086	253	12	years	year	NOUN
ejif-2086	253	13	,	,	PUNCT
ejif-2086	253	14	the	the	DET
ejif-2086	253	15	future	future	NOUN
ejif-2086	253	16	holds	hold	VERB
ejif-2086	253	17	great	great	ADJ
ejif-2086	253	18	prospects	prospect	NOUN
ejif-2086	253	19	for	for	ADP
ejif-2086	253	20	takaful	takaful	ADJ
ejif-2086	253	21	operations	operation	NOUN
ejif-2086	253	22	in	in	ADP
ejif-2086	253	23	nigeria	nigeria	PROPN
ejif-2086	253	24	.	.	PUNCT
ejif-2086	254	1	references	reference	NOUN
ejif-2086	254	2	[	[	X
ejif-2086	254	3	1	1	NUM
ejif-2086	254	4	]	]	PUNCT
ejif-2086	254	5	accounting	accounting	NOUN
ejif-2086	254	6	and	and	CCONJ
ejif-2086	254	7	auditing	auditing	NOUN
ejif-2086	254	8	organisation	organisation	NOUN
ejif-2086	254	9	for	for	ADP
ejif-2086	254	10	islamic	islamic	ADJ
ejif-2086	254	11	financial	financial	ADJ
ejif-2086	254	12	institutions	institution	NOUN
ejif-2086	254	13	.	.	PUNCT
ejif-2086	255	1	(	(	PUNCT
ejif-2086	255	2	2015	2015	NUM
ejif-2086	255	3	)	)	PUNCT
ejif-2086	255	4	.	.	PUNCT
ejif-2086	256	1	shariah	shariah	PROPN
ejif-2086	256	2	standards	standard	NOUN
ejif-2086	256	3	.	.	PUNCT
ejif-2086	257	1	manama	manama	PROPN
ejif-2086	257	2	:	:	PUNCT
ejif-2086	257	3	dar	dar	PROPN
ejif-2086	257	4	al	al	PROPN
ejif-2086	257	5	-	-	PUNCT
ejif-2086	257	6	maiman	maiman	NOUN
ejif-2086	257	7	publishing	publishing	NOUN
ejif-2086	257	8	and	and	CCONJ
ejif-2086	257	9	distributing	distribute	VERB
ejif-2086	257	10	.	.	PUNCT
ejif-2086	258	1	[	[	X
ejif-2086	258	2	2	2	NUM
ejif-2086	258	3	]	]	PUNCT
ejif-2086	258	4	ado	ado	NOUN
ejif-2086	258	5	,	,	PUNCT
ejif-2086	258	6	a.	a.	NOUN
ejif-2086	258	7	(	(	PUNCT
ejif-2086	258	8	2014	2014	NUM
ejif-2086	258	9	)	)	PUNCT
ejif-2086	258	10	.	.	PUNCT
ejif-2086	259	1	nigeria	nigeria	PROPN
ejif-2086	259	2	:	:	PUNCT
ejif-2086	259	3	where	where	SCONJ
ejif-2086	259	4	are	be	AUX
ejif-2086	259	5	we	we	PRON
ejif-2086	259	6	?	?	PUNCT
ejif-2086	260	1	in	in	ADP
ejif-2086	260	2	s.	s.	PROPN
ejif-2086	260	3	thiagaraja	thiagaraja	PROPN
ejif-2086	260	4	,	,	PUNCT
ejif-2086	260	5	a.	a.	NOUN
ejif-2086	260	6	morgan	morgan	PROPN
ejif-2086	260	7	,	,	PUNCT
ejif-2086	260	8	a.	a.	NOUN
ejif-2086	260	9	tebbutt	tebbutt	PROPN
ejif-2086	260	10	,	,	PUNCT
ejif-2086	260	11	&	&	CCONJ
ejif-2086	260	12	g.	g.	PROPN
ejif-2086	260	13	chan	chan	PROPN
ejif-2086	260	14	,	,	PUNCT
ejif-2086	260	15	the	the	DET
ejif-2086	260	16	islamic	islamic	PROPN
ejif-2086	260	17	finance	finance	PROPN
ejif-2086	260	18	handbook	handbook	NOUN
ejif-2086	260	19	:	:	PUNCT
ejif-2086	260	20	a	a	DET
ejif-2086	260	21	practitioners	practitioner	NOUN
ejif-2086	260	22	guide	guide	VERB
ejif-2086	260	23	to	to	ADP
ejif-2086	260	24	the	the	DET
ejif-2086	260	25	global	global	ADJ
ejif-2086	260	26	markets	market	NOUN
ejif-2086	260	27	(	(	PUNCT
ejif-2086	260	28	pp	pp	ADJ
ejif-2086	260	29	.	.	PUNCT
ejif-2086	261	1	355	355	NUM
ejif-2086	261	2	-	-	SYM
ejif-2086	261	3	367	367	NUM
ejif-2086	261	4	)	)	PUNCT
ejif-2086	261	5	.	.	PUNCT
ejif-2086	262	1	singapore	singapore	PROPN
ejif-2086	262	2	:	:	PUNCT
ejif-2086	263	1	john	john	PROPN
ejif-2086	263	2	wiley	wiley	PROPN
ejif-2086	263	3	&	&	CCONJ
ejif-2086	263	4	sons	sons	PROPN
ejif-2086	263	5	singapore	singapore	PROPN
ejif-2086	263	6	pte	pte	PROPN
ejif-2086	263	7	ltd	ltd	PROPN
ejif-2086	263	8	.	.	PUNCT
ejif-2086	264	1	[	[	X
ejif-2086	264	2	3	3	NUM
ejif-2086	264	3	]	]	X
ejif-2086	264	4	ali	ali	PROPN
ejif-2086	264	5	,	,	PUNCT
ejif-2086	264	6	e.	e.	PROPN
ejif-2086	264	7	r.	r.	PROPN
ejif-2086	264	8	,	,	PUNCT
ejif-2086	264	9	&	&	CCONJ
ejif-2086	264	10	odierno	odierno	PROPN
ejif-2086	264	11	,	,	PUNCT
ejif-2086	264	12	h.	h.	PROPN
ejif-2086	264	13	s.	s.	PROPN
ejif-2086	264	14	(	(	PUNCT
ejif-2086	264	15	2008	2008	NUM
ejif-2086	264	16	)	)	PUNCT
ejif-2086	264	17	.	.	PUNCT
ejif-2086	265	1	essential	essential	ADJ
ejif-2086	265	2	guide	guide	NOUN
ejif-2086	265	3	to	to	ADP
ejif-2086	265	4	takaful	takaful	ADJ
ejif-2086	265	5	(	(	PUNCT
ejif-2086	265	6	islamic	islamic	ADJ
ejif-2086	265	7	insurance	insurance	NOUN
ejif-2086	265	8	)	)	PUNCT
ejif-2086	265	9	.	.	PUNCT
ejif-2086	266	1	kuala	kuala	PROPN
ejif-2086	266	2	lumpur	lumpur	PROPN
ejif-2086	266	3	:	:	PUNCT
ejif-2086	266	4	cert	cert	NOUN
ejif-2086	266	5	publications	publication	NOUN
ejif-2086	266	6	sdn	sdn	PROPN
ejif-2086	266	7	.	.	PUNCT
ejif-2086	267	1	bhd	bhd	PROPN
ejif-2086	267	2	.	.	PUNCT
ejif-2086	268	1	[	[	X
ejif-2086	268	2	4	4	NUM
ejif-2086	268	3	]	]	PUNCT
ejif-2086	268	4	aliyu	aliyu	NOUN
ejif-2086	268	5	,	,	PUNCT
ejif-2086	268	6	m.	m.	PROPN
ejif-2086	268	7	b.	b.	PROPN
ejif-2086	268	8	,	,	PUNCT
ejif-2086	268	9	&	&	CCONJ
ejif-2086	268	10	ahmad	ahmad	PROPN
ejif-2086	268	11	,	,	PUNCT
ejif-2086	268	12	i.	i.	PROPN
ejif-2086	268	13	m.	m.	PROPN
ejif-2086	268	14	(	(	PUNCT
ejif-2086	268	15	2014	2014	NUM
ejif-2086	268	16	)	)	PUNCT
ejif-2086	268	17	.	.	PUNCT
ejif-2086	269	1	shariah	shariah	PROPN
ejif-2086	269	2	compliant	compliant	PROPN
ejif-2086	269	3	insurance	insurance	NOUN
ejif-2086	269	4	product	product	NOUN
ejif-2086	269	5	:	:	PUNCT
ejif-2086	269	6	an	an	DET
ejif-2086	269	7	overview	overview	NOUN
ejif-2086	269	8	of	of	ADP
ejif-2086	269	9	problems	problem	NOUN
ejif-2086	269	10	and	and	CCONJ
ejif-2086	269	11	prospects	prospect	NOUN
ejif-2086	269	12	of	of	ADP
ejif-2086	269	13	takaful	takaful	ADJ
ejif-2086	269	14	-	-	PUNCT
ejif-2086	269	15	insurance	insurance	NOUN
ejif-2086	269	16	in	in	ADP
ejif-2086	269	17	nigeria	nigeria	PROPN
ejif-2086	269	18	.	.	PUNCT
ejif-2086	270	1	unilorin	unilorin	PROPN
ejif-2086	270	2	shariah	shariah	PROPN
ejif-2086	270	3	journal	journal	PROPN
ejif-2086	270	4	.	.	PUNCT
ejif-2086	271	1	[	[	X
ejif-2086	271	2	5	5	NUM
ejif-2086	271	3	]	]	PUNCT
ejif-2086	271	4	beyond	beyond	ADP
ejif-2086	271	5	the	the	DET
ejif-2086	271	6	brics	bric	NOUN
ejif-2086	271	7	:	:	PUNCT
ejif-2086	271	8	a	a	DET
ejif-2086	271	9	look	look	NOUN
ejif-2086	271	10	at	at	ADP
ejif-2086	271	11	the	the	DET
ejif-2086	271	12	"	"	PUNCT
ejif-2086	271	13	next	next	ADJ
ejif-2086	271	14	11	11	NUM
ejif-2086	271	15	"	"	PUNCT
ejif-2086	271	16	.	.	PUNCT
ejif-2086	272	1	(	(	PUNCT
ejif-2086	272	2	2007	2007	NUM
ejif-2086	272	3	)	)	PUNCT
ejif-2086	272	4	.	.	PUNCT
ejif-2086	273	1	in	in	ADP
ejif-2086	273	2	s.	s.	PROPN
ejif-2086	273	3	lawson	lawson	PROPN
ejif-2086	273	4	,	,	PUNCT
ejif-2086	273	5	d.	d.	PROPN
ejif-2086	273	6	heacock	heacock	PROPN
ejif-2086	273	7	,	,	PUNCT
ejif-2086	273	8	&	&	CCONJ
ejif-2086	273	9	a.	a.	PROPN
ejif-2086	273	10	stupnytska	stupnytska	PROPN
ejif-2086	273	11	.	.	PUNCT
ejif-2086	274	1	[	[	X
ejif-2086	274	2	6	6	NUM
ejif-2086	274	3	]	]	X
ejif-2086	274	4	central	central	ADJ
ejif-2086	274	5	bank	bank	PROPN
ejif-2086	274	6	of	of	ADP
ejif-2086	274	7	nigeria	nigeria	PROPN
ejif-2086	274	8	.	.	PUNCT
ejif-2086	275	1	(	(	PUNCT
ejif-2086	275	2	2007	2007	NUM
ejif-2086	275	3	)	)	PUNCT
ejif-2086	275	4	.	.	PUNCT
ejif-2086	276	1	financial	financial	ADJ
ejif-2086	276	2	system	system	NOUN
ejif-2086	276	3	strategy	strategy	NOUN
ejif-2086	276	4	2020	2020	NUM
ejif-2086	276	5	.	.	PUNCT
ejif-2086	277	1	central	central	ADJ
ejif-2086	277	2	bank	bank	PROPN
ejif-2086	277	3	of	of	ADP
ejif-2086	277	4	nigeria	nigeria	PROPN
ejif-2086	277	5	.	.	PUNCT
ejif-2086	278	1	[	[	X
ejif-2086	278	2	7	7	NUM
ejif-2086	278	3	]	]	X
ejif-2086	278	4	central	central	ADJ
ejif-2086	278	5	bank	bank	PROPN
ejif-2086	278	6	of	of	ADP
ejif-2086	278	7	nigeria	nigeria	PROPN
ejif-2086	278	8	.	.	PUNCT
ejif-2086	279	1	(	(	PUNCT
ejif-2086	279	2	2012	2012	NUM
ejif-2086	279	3	)	)	PUNCT
ejif-2086	279	4	.	.	PUNCT
ejif-2086	280	1	national	national	ADJ
ejif-2086	280	2	financial	financial	ADJ
ejif-2086	280	3	inclusion	inclusion	NOUN
ejif-2086	280	4	strategy	strategy	NOUN
ejif-2086	280	5	.	.	PUNCT
ejif-2086	281	1	central	central	ADJ
ejif-2086	281	2	bank	bank	PROPN
ejif-2086	281	3	of	of	ADP
ejif-2086	281	4	nigeria	nigeria	PROPN
ejif-2086	281	5	.	.	PUNCT
ejif-2086	282	1	retrieved	retrieve	VERB
ejif-2086	282	2	february	february	PROPN
ejif-2086	282	3	23	23	NUM
ejif-2086	282	4	,	,	PUNCT
ejif-2086	282	5	2017	2017	NUM
ejif-2086	282	6	,	,	PUNCT
ejif-2086	282	7	from	from	ADP
ejif-2086	282	8	https://www.cbn.gov.ng/out/2012/publications/repor	https://www.cbn.gov.ng/out/2012/publications/repor	PUNCT
ejif-2086	282	9	ts	ts	NOUN
ejif-2086	282	10	/	/	SYM
ejif-2086	282	11	dfd	dfd	NOUN
ejif-2086	282	12	/	/	SYM
ejif-2086	282	13	cbn	cbn	PROPN
ejif-2086	282	14	-	-	PUNCT
ejif-2086	282	15	summary%20report%20offinancial%20inclusion%20in%20nigeria	summary%20report%20offinancial%20inclusion%20in%20nigeria	NOUN
ejif-2086	282	16	-	-	PUNCT
ejif-2086	282	17	final.pdf	final.pdf	X
ejif-2086	282	18	[	[	NOUN
ejif-2086	282	19	8	8	NUM
ejif-2086	282	20	]	]	X
ejif-2086	282	21	central	central	ADJ
ejif-2086	282	22	intelligence	intelligence	NOUN
ejif-2086	282	23	agency	agency	NOUN
ejif-2086	282	24	.	.	PUNCT
ejif-2086	283	1	(	(	PUNCT
ejif-2086	283	2	2016	2016	NUM
ejif-2086	283	3	)	)	PUNCT
ejif-2086	283	4	.	.	PUNCT
ejif-2086	284	1	retrieved	retrieve	VERB
ejif-2086	284	2	february	february	PROPN
ejif-2086	284	3	22	22	NUM
ejif-2086	284	4	,	,	PUNCT
ejif-2086	284	5	2017	2017	NUM
ejif-2086	284	6	,	,	PUNCT
ejif-2086	284	7	from	from	ADP
ejif-2086	284	8	central	central	ADJ
ejif-2086	284	9	intelligence	intelligence	NOUN
ejif-2086	284	10	agency	agency	NOUN
ejif-2086	284	11	web	web	NOUN
ejif-2086	284	12	site	site	NOUN
ejif-2086	284	13	:	:	PUNCT
ejif-2086	284	14	ejif	ejif	PROPN
ejif-2086	284	15	–	–	PUNCT
ejif-2086	284	16	european	european	PROPN
ejif-2086	284	17	journal	journal	PROPN
ejif-2086	284	18	of	of	ADP
ejif-2086	284	19	islamic	islamic	PROPN
ejif-2086	284	20	finance	finance	PROPN
ejif-2086	284	21	no8	no8	PROPN
ejif-2086	284	22	,	,	PUNCT
ejif-2086	284	23	december	december	PROPN
ejif-2086	284	24	(	(	PUNCT
ejif-2086	284	25	2017	2017	NUM
ejif-2086	284	26	)	)	PUNCT
ejif-2086	285	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2086	285	2	issn	issn	VERB
ejif-2086	285	3	2421	2421	NUM
ejif-2086	285	4	-	-	SYM
ejif-2086	285	5	2172	2172	NUM
ejif-2086	285	6	9	9	NUM
ejif-2086	285	7	https://www.cia.gov/library/publications/the-worldfactbook/geos/ni.html	https://www.cia.gov/library/publications/the-worldfactbook/geos/ni.html	NOUN
ejif-2086	285	8	[	[	X
ejif-2086	285	9	9	9	NUM
ejif-2086	285	10	]	]	X
ejif-2086	285	11	central	central	ADJ
ejif-2086	285	12	intelligence	intelligence	NOUN
ejif-2086	285	13	agency	agency	NOUN
ejif-2086	285	14	.	.	PUNCT
ejif-2086	286	1	(	(	PUNCT
ejif-2086	286	2	2016	2016	NUM
ejif-2086	286	3	)	)	PUNCT
ejif-2086	286	4	.	.	PUNCT
ejif-2086	287	1	retrieved	retrieve	VERB
ejif-2086	287	2	november	november	PROPN
ejif-2086	287	3	28	28	NUM
ejif-2086	287	4	,	,	PUNCT
ejif-2086	287	5	2016	2016	NUM
ejif-2086	287	6	,	,	PUNCT
ejif-2086	287	7	from	from	ADP
ejif-2086	287	8	central	central	ADJ
ejif-2086	287	9	intelligence	intelligence	NOUN
ejif-2086	287	10	agency	agency	NOUN
ejif-2086	287	11	web	web	NOUN
ejif-2086	287	12	site	site	NOUN
ejif-2086	287	13	:	:	PUNCT
ejif-2086	287	14	https://www.cia.gov/library/publications/theworld-factbook/geos/ni.html	https://www.cia.gov/library/publications/theworld-factbook/geos/ni.html	X
ejif-2086	288	1	[	[	X
ejif-2086	288	2	10	10	NUM
ejif-2086	288	3	]	]	X
ejif-2086	288	4	central	central	ADJ
ejif-2086	288	5	intelligence	intelligence	NOUN
ejif-2086	288	6	agency	agency	NOUN
ejif-2086	288	7	.	.	PUNCT
ejif-2086	289	1	(	(	PUNCT
ejif-2086	289	2	2016	2016	NUM
ejif-2086	289	3	)	)	PUNCT
ejif-2086	289	4	.	.	PUNCT
ejif-2086	290	1	cia	cia	PROPN
ejif-2086	290	2	world	world	PROPN
ejif-2086	290	3	factbook	factbook	PROPN
ejif-2086	290	4	;	;	PUNCT
ejif-2086	290	5	nigeria	nigeria	PROPN
ejif-2086	290	6	.	.	PUNCT
ejif-2086	291	1	retrieved	retrieve	VERB
ejif-2086	291	2	november	november	PROPN
ejif-2086	291	3	23	23	NUM
ejif-2086	291	4	,	,	PUNCT
ejif-2086	291	5	2016	2016	NUM
ejif-2086	291	6	,	,	PUNCT
ejif-2086	291	7	from	from	ADP
ejif-2086	291	8	central	central	ADJ
ejif-2086	291	9	intelligence	intelligence	NOUN
ejif-2086	291	10	agency	agency	NOUN
ejif-2086	291	11	:	:	PUNCT
ejif-2086	291	12	https://www.cia.gov/library/publications/the-worldfactbook/geos/ni.html	https://www.cia.gov/library/publications/the-worldfactbook/geos/ni.html	PROPN
ejif-2086	292	1	[	[	X
ejif-2086	292	2	11	11	NUM
ejif-2086	292	3	]	]	PUNCT
ejif-2086	292	4	cornerstone	cornerstone	NOUN
ejif-2086	292	5	insurance	insurance	PROPN
ejif-2086	292	6	plc	plc	PROPN
ejif-2086	292	7	.	.	PUNCT
ejif-2086	293	1	(	(	PUNCT
ejif-2086	293	2	216	216	NUM
ejif-2086	293	3	)	)	PUNCT
ejif-2086	293	4	.	.	PUNCT
ejif-2086	294	1	subsidiaries	subsidiary	NOUN
ejif-2086	294	2	:	:	PUNCT
ejif-2086	294	3	cornerstone	cornerstone	PROPN
ejif-2086	294	4	insurance	insurance	PROPN
ejif-2086	294	5	plc	plc	PROPN
ejif-2086	294	6	.	.	PROPN
ejif-2086	294	7	retrieved	retrieve	VERB
ejif-2086	294	8	december	december	PROPN
ejif-2086	294	9	5	5	NUM
ejif-2086	294	10	,	,	PUNCT
ejif-2086	294	11	2016	2016	NUM
ejif-2086	294	12	,	,	PUNCT
ejif-2086	294	13	from	from	ADP
ejif-2086	294	14	cornerstone	cornerstone	NOUN
ejif-2086	294	15	insurance	insurance	PROPN
ejif-2086	294	16	plc	plc	PROPN
ejif-2086	294	17	web	web	NOUN
ejif-2086	294	18	site	site	NOUN
ejif-2086	294	19	:	:	PUNCT
ejif-2086	294	20	https://cornerstone.com.ng/corporate/subsidiaries.php	https://cornerstone.com.ng/corporate/subsidiaries.php	VERB
ejif-2086	295	1	[	[	X
ejif-2086	295	2	12	12	NUM
ejif-2086	295	3	]	]	X
ejif-2086	295	4	dewa	dewa	PROPN
ejif-2086	295	5	,	,	PUNCT
ejif-2086	295	6	n.	n.	PROPN
ejif-2086	295	7	(	(	PUNCT
ejif-2086	295	8	2013	2013	NUM
ejif-2086	295	9	)	)	PUNCT
ejif-2086	295	10	.	.	PUNCT
ejif-2086	296	1	the	the	DET
ejif-2086	296	2	introduction	introduction	NOUN
ejif-2086	296	3	of	of	ADP
ejif-2086	296	4	takaful	takaful	NOUN
ejif-2086	296	5	in	in	ADP
ejif-2086	296	6	nigeria	nigeria	PROPN
ejif-2086	296	7	.	.	PUNCT
ejif-2086	297	1	retrieved	retrieve	VERB
ejif-2086	297	2	november	november	PROPN
ejif-2086	297	3	13	13	NUM
ejif-2086	297	4	,	,	PUNCT
ejif-2086	297	5	2016	2016	NUM
ejif-2086	297	6	,	,	PUNCT
ejif-2086	297	7	from	from	ADP
ejif-2086	297	8	academia	academia	PROPN
ejif-2086	297	9	web	web	NOUN
ejif-2086	297	10	site	site	NOUN
ejif-2086	297	11	:	:	PUNCT
ejif-2086	297	12	https://www.academia.edu/5539219/the_introd	https://www.academia.edu/5539219/the_introd	VERB
ejif-2086	297	13	uction_of_takaful_in_nigeria_09132013	uction_of_takaful_in_nigeria_09132013	PRON
ejif-2086	298	1	[	[	X
ejif-2086	298	2	13	13	NUM
ejif-2086	298	3	]	]	PUNCT
ejif-2086	298	4	dias	dias	PROPN
ejif-2086	298	5	,	,	PUNCT
ejif-2086	298	6	d.	d.	PROPN
ejif-2086	298	7	,	,	PUNCT
ejif-2086	298	8	garand	garand	PROPN
ejif-2086	298	9	,	,	PUNCT
ejif-2086	298	10	d.	d.	PROPN
ejif-2086	298	11	,	,	PUNCT
ejif-2086	298	12	&	&	CCONJ
ejif-2086	298	13	swinderek	swinderek	PROPN
ejif-2086	298	14	,	,	PUNCT
ejif-2086	298	15	d.	d.	PROPN
ejif-2086	298	16	(	(	PUNCT
ejif-2086	298	17	2013	2013	NUM
ejif-2086	298	18	)	)	PUNCT
ejif-2086	298	19	.	.	PUNCT
ejif-2086	299	1	towards	towards	ADP
ejif-2086	299	2	inclusive	inclusive	ADJ
ejif-2086	299	3	insurance	insurance	NOUN
ejif-2086	299	4	in	in	ADP
ejif-2086	299	5	nigeria	nigeria	PROPN
ejif-2086	299	6	:	:	PUNCT
ejif-2086	299	7	an	an	DET
ejif-2086	299	8	analysis	analysis	NOUN
ejif-2086	299	9	of	of	ADP
ejif-2086	299	10	the	the	DET
ejif-2086	299	11	market	market	NOUN
ejif-2086	299	12	and	and	CCONJ
ejif-2086	299	13	regulations	regulation	NOUN
ejif-2086	299	14	.	.	PUNCT
ejif-2086	300	1	access	access	NOUN
ejif-2086	300	2	to	to	ADP
ejif-2086	300	3	insurance	insurance	NOUN
ejif-2086	300	4	initiative	initiative	NOUN
ejif-2086	300	5	.	.	PUNCT
ejif-2086	301	1	[	[	X
ejif-2086	301	2	14	14	NUM
ejif-2086	301	3	]	]	X
ejif-2086	301	4	investopedia	investopedia	PROPN
ejif-2086	301	5	.	.	PUNCT
ejif-2086	302	1	(	(	PUNCT
ejif-2086	302	2	2016	2016	NUM
ejif-2086	302	3	)	)	PUNCT
ejif-2086	302	4	.	.	PUNCT
ejif-2086	303	1	takaful	takaful	ADJ
ejif-2086	303	2	.	.	PUNCT
ejif-2086	304	1	retrieved	retrieve	VERB
ejif-2086	304	2	december	december	PROPN
ejif-2086	304	3	5	5	NUM
ejif-2086	304	4	,	,	PUNCT
ejif-2086	304	5	2016	2016	NUM
ejif-2086	304	6	,	,	PUNCT
ejif-2086	304	7	from	from	ADP
ejif-2086	304	8	investopedia	investopedia	PROPN
ejif-2086	304	9	web	web	NOUN
ejif-2086	304	10	site	site	NOUN
ejif-2086	304	11	:	:	PUNCT
ejif-2086	304	12	http://www.investopedia.com/terms/t/takaful.asp	http://www.investopedia.com/terms/t/takaful.asp	NOUN
ejif-2086	304	13	[	[	X
ejif-2086	304	14	15	15	NUM
ejif-2086	304	15	]	]	X
ejif-2086	304	16	ismail	ismail	PROPN
ejif-2086	304	17	,	,	PUNCT
ejif-2086	304	18	e.	e.	PROPN
ejif-2086	304	19	(	(	PUNCT
ejif-2086	304	20	2015	2015	NUM
ejif-2086	304	21	)	)	PUNCT
ejif-2086	304	22	.	.	PUNCT
ejif-2086	305	1	takaful	takaful	ADJ
ejif-2086	305	2	:	:	PUNCT
ejif-2086	305	3	the	the	DET
ejif-2086	305	4	great	great	ADJ
ejif-2086	305	5	potential	potential	NOUN
ejif-2086	305	6	in	in	ADP
ejif-2086	305	7	nigeria	nigeria	PROPN
ejif-2086	305	8	.	.	PUNCT
ejif-2086	306	1	retrieved	retrieve	VERB
ejif-2086	306	2	december	december	PROPN
ejif-2086	306	3	2	2	NUM
ejif-2086	306	4	,	,	PUNCT
ejif-2086	306	5	2016	2016	NUM
ejif-2086	306	6	,	,	PUNCT
ejif-2086	306	7	from	from	ADP
ejif-2086	306	8	meinsurancereview.com	meinsurancereview.com	X
ejif-2086	306	9	[	[	X
ejif-2086	306	10	16	16	NUM
ejif-2086	306	11	]	]	X
ejif-2086	306	12	national	national	PROPN
ejif-2086	306	13	health	health	PROPN
ejif-2086	306	14	insurance	insurance	NOUN
ejif-2086	306	15	scheme	scheme	NOUN
ejif-2086	306	16	.	.	PUNCT
ejif-2086	307	1	(	(	PUNCT
ejif-2086	307	2	1999	1999	NUM
ejif-2086	307	3	)	)	PUNCT
ejif-2086	307	4	.	.	PUNCT
ejif-2086	308	1	national	national	PROPN
ejif-2086	308	2	health	health	PROPN
ejif-2086	308	3	insurance	insurance	PROPN
ejif-2086	308	4	scheme	scheme	PROPN
ejif-2086	308	5	act	act	NOUN
ejif-2086	308	6	1999	1999	NUM
ejif-2086	308	7	.	.	PUNCT
ejif-2086	309	1	[	[	X
ejif-2086	309	2	17	17	NUM
ejif-2086	309	3	]	]	X
ejif-2086	309	4	national	national	PROPN
ejif-2086	309	5	insurance	insurance	PROPN
ejif-2086	309	6	commision	commision	PROPN
ejif-2086	309	7	of	of	ADP
ejif-2086	309	8	nigeria	nigeria	PROPN
ejif-2086	309	9	.	.	PUNCT
ejif-2086	310	1	(	(	PUNCT
ejif-2086	310	2	2013	2013	NUM
ejif-2086	310	3	)	)	PUNCT
ejif-2086	310	4	.	.	PUNCT
ejif-2086	311	1	2013	2013	NUM
ejif-2086	311	2	takaful	takaful	ADJ
ejif-2086	311	3	insurance	insurance	NOUN
ejif-2086	311	4	operational	operational	ADJ
ejif-2086	311	5	guidelines	guideline	NOUN
ejif-2086	311	6	.	.	PUNCT
ejif-2086	312	1	abuja	abuja	PROPN
ejif-2086	312	2	:	:	PUNCT
ejif-2086	312	3	national	national	PROPN
ejif-2086	312	4	insurance	insurance	PROPN
ejif-2086	312	5	commission	commission	PROPN
ejif-2086	312	6	.	.	PUNCT
ejif-2086	313	1	[	[	X
ejif-2086	313	2	18	18	NUM
ejif-2086	313	3	]	]	X
ejif-2086	313	4	national	national	PROPN
ejif-2086	313	5	insurance	insurance	PROPN
ejif-2086	313	6	commission	commission	PROPN
ejif-2086	313	7	.	.	PUNCT
ejif-2086	314	1	(	(	PUNCT
ejif-2086	314	2	2003	2003	NUM
ejif-2086	314	3	)	)	PUNCT
ejif-2086	314	4	.	.	PUNCT
ejif-2086	315	1	insurance	insurance	NOUN
ejif-2086	315	2	act	act	PROPN
ejif-2086	315	3	2003	2003	NUM
ejif-2086	315	4	.	.	PUNCT
ejif-2086	316	1	[	[	X
ejif-2086	316	2	19	19	NUM
ejif-2086	316	3	]	]	X
ejif-2086	316	4	national	national	PROPN
ejif-2086	316	5	insurance	insurance	PROPN
ejif-2086	316	6	commission	commission	PROPN
ejif-2086	316	7	.	.	PUNCT
ejif-2086	317	1	(	(	PUNCT
ejif-2086	317	2	2016	2016	NUM
ejif-2086	317	3	)	)	PUNCT
ejif-2086	317	4	.	.	PUNCT
ejif-2086	318	1	retrieved	retrieve	VERB
ejif-2086	318	2	december	december	PROPN
ejif-2086	318	3	5	5	NUM
ejif-2086	318	4	,	,	PUNCT
ejif-2086	318	5	2016	2016	NUM
ejif-2086	318	6	,	,	PUNCT
ejif-2086	318	7	from	from	ADP
ejif-2086	318	8	national	national	PROPN
ejif-2086	318	9	insurance	insurance	PROPN
ejif-2086	318	10	commission	commission	PROPN
ejif-2086	318	11	of	of	ADP
ejif-2086	318	12	nigeria	nigeria	PROPN
ejif-2086	318	13	web	web	NOUN
ejif-2086	318	14	site	site	NOUN
ejif-2086	318	15	:	:	PUNCT
ejif-2086	319	1	http://naicom.gov.ng/companies	http://naicom.gov.ng/companie	NOUN
ejif-2086	319	2	[	[	X
ejif-2086	319	3	20	20	NUM
ejif-2086	319	4	]	]	X
ejif-2086	319	5	national	national	ADJ
ejif-2086	319	6	pension	pension	PROPN
ejif-2086	319	7	commission	commission	PROPN
ejif-2086	319	8	.	.	PUNCT
ejif-2086	320	1	(	(	PUNCT
ejif-2086	320	2	2014	2014	NUM
ejif-2086	320	3	)	)	PUNCT
ejif-2086	320	4	.	.	PUNCT
ejif-2086	321	1	pension	pension	NOUN
ejif-2086	321	2	reform	reform	PROPN
ejif-2086	321	3	act	act	PROPN
ejif-2086	321	4	.	.	PUNCT
ejif-2086	322	1	retrieved	retrieve	VERB
ejif-2086	322	2	february	february	PROPN
ejif-2086	322	3	27	27	NUM
ejif-2086	322	4	,	,	PUNCT
ejif-2086	322	5	2017	2017	NUM
ejif-2086	322	6	,	,	PUNCT
ejif-2086	322	7	from	from	ADP
ejif-2086	322	8	http://www.pencom.gov.ng/docs/1448643400_pra	http://www.pencom.gov.ng/docs/1448643400_pra	NOUN
ejif-2086	322	9	_	_	PRON
ejif-2086	322	10	2014.pdf	2014.pdf	NUM
ejif-2086	323	1	[	[	X
ejif-2086	323	2	21	21	NUM
ejif-2086	323	3	]	]	X
ejif-2086	323	4	national	national	ADJ
ejif-2086	323	5	population	population	PROPN
ejif-2086	323	6	commission	commission	PROPN
ejif-2086	323	7	of	of	ADP
ejif-2086	323	8	nigeria	nigeria	PROPN
ejif-2086	323	9	.	.	PUNCT
ejif-2086	324	1	(	(	PUNCT
ejif-2086	324	2	2016	2016	NUM
ejif-2086	324	3	)	)	PUNCT
ejif-2086	324	4	.	.	PUNCT
ejif-2086	325	1	retrieved	retrieve	VERB
ejif-2086	325	2	november	november	PROPN
ejif-2086	325	3	5	5	NUM
ejif-2086	325	4	,	,	PUNCT
ejif-2086	325	5	2016	2016	NUM
ejif-2086	325	6	,	,	PUNCT
ejif-2086	325	7	from	from	ADP
ejif-2086	325	8	national	national	ADJ
ejif-2086	325	9	population	population	PROPN
ejif-2086	325	10	commission	commission	PROPN
ejif-2086	325	11	web	web	NOUN
ejif-2086	325	12	site	site	NOUN
ejif-2086	325	13	:	:	PUNCT
ejif-2086	325	14	http://www.population.gov.ng/	http://www.population.gov.ng/	PROPN
ejif-2086	326	1	[	[	X
ejif-2086	326	2	22	22	NUM
ejif-2086	326	3	]	]	PUNCT
ejif-2086	326	4	niger	niger	PROPN
ejif-2086	326	5	insurance	insurance	PROPN
ejif-2086	326	6	plc	plc	PROPN
ejif-2086	326	7	.	.	PUNCT
ejif-2086	327	1	(	(	PUNCT
ejif-2086	327	2	2016	2016	NUM
ejif-2086	327	3	)	)	PUNCT
ejif-2086	327	4	.	.	PUNCT
ejif-2086	328	1	niger	niger	NOUN
ejif-2086	328	2	mutual	mutual	ADJ
ejif-2086	328	3	halal	halal	NOUN
ejif-2086	328	4	plan	plan	NOUN
ejif-2086	328	5	.	.	PUNCT
ejif-2086	329	1	retrieved	retrieve	VERB
ejif-2086	329	2	december	december	PROPN
ejif-2086	329	3	5	5	NUM
ejif-2086	329	4	,	,	PUNCT
ejif-2086	329	5	2016	2016	NUM
ejif-2086	329	6	,	,	PUNCT
ejif-2086	329	7	from	from	ADP
ejif-2086	329	8	niger	niger	PROPN
ejif-2086	329	9	insurance	insurance	PROPN
ejif-2086	329	10	plc	plc	PROPN
ejif-2086	329	11	web	web	NOUN
ejif-2086	329	12	site	site	NOUN
ejif-2086	329	13	:	:	PUNCT
ejif-2086	329	14	http://www.nigerinsurance.com/index/general/produc	http://www.nigerinsurance.com/index/general/produc	X
ejif-2086	329	15	tdetails.php?id=3&subid=4&pid=4	tdetails.php?id=3&subid=4&pid=4	PUNCT
ejif-2086	330	1	[	[	X
ejif-2086	330	2	23	23	NUM
ejif-2086	330	3	]	]	X
ejif-2086	330	4	nigeria	nigeria	PROPN
ejif-2086	330	5	reinsurance	reinsurance	PROPN
ejif-2086	330	6	corporation	corporation	NOUN
ejif-2086	330	7	.	.	PUNCT
ejif-2086	331	1	(	(	PUNCT
ejif-2086	331	2	2016	2016	NUM
ejif-2086	331	3	)	)	PUNCT
ejif-2086	331	4	.	.	PUNCT
ejif-2086	332	1	insurance	insurance	NOUN
ejif-2086	332	2	industry	industry	NOUN
ejif-2086	332	3	outlook	outlook	NOUN
ejif-2086	332	4	for	for	ADP
ejif-2086	332	5	2016	2016	NUM
ejif-2086	332	6	.	.	PUNCT
ejif-2086	333	1	nigeria	nigeria	PROPN
ejif-2086	333	2	reinsurance	reinsurance	PROPN
ejif-2086	333	3	corporation	corporation	NOUN
ejif-2086	333	4	.	.	PUNCT
ejif-2086	334	1	[	[	X
ejif-2086	334	2	24	24	NUM
ejif-2086	334	3	]	]	X
ejif-2086	334	4	nigeria	nigeria	PROPN
ejif-2086	334	5	social	social	PROPN
ejif-2086	334	6	insurance	insurance	PROPN
ejif-2086	334	7	trust	trust	PROPN
ejif-2086	334	8	fund	fund	PROPN
ejif-2086	334	9	.	.	PUNCT
ejif-2086	335	1	(	(	PUNCT
ejif-2086	335	2	2010	2010	NUM
ejif-2086	335	3	)	)	PUNCT
ejif-2086	335	4	.	.	PUNCT
ejif-2086	336	1	employees	employee	NOUN
ejif-2086	336	2	compensation	compensation	PROPN
ejif-2086	336	3	act	act	PROPN
ejif-2086	336	4	2010	2010	NUM
ejif-2086	336	5	.	.	PUNCT
ejif-2086	337	1	retrieved	retrieve	VERB
ejif-2086	337	2	february	february	PROPN
ejif-2086	337	3	27	27	NUM
ejif-2086	337	4	,	,	PUNCT
ejif-2086	337	5	2017	2017	NUM
ejif-2086	337	6	,	,	PUNCT
ejif-2086	337	7	from	from	ADP
ejif-2086	337	8	http://www.nsitf.gov.ng/ecs3/eca%202010.pdf	http://www.nsitf.gov.ng/ecs3/eca%202010.pdf	NOUN
ejif-2086	337	9	[	[	X
ejif-2086	337	10	25	25	NUM
ejif-2086	337	11	]	]	PUNCT
ejif-2086	337	12	nigerian	nigerian	ADJ
ejif-2086	337	13	agriculture	agriculture	NOUN
ejif-2086	337	14	insurance	insurance	NOUN
ejif-2086	337	15	corporation	corporation	NOUN
ejif-2086	337	16	.	.	PUNCT
ejif-2086	338	1	(	(	PUNCT
ejif-2086	338	2	1993	1993	NUM
ejif-2086	338	3	)	)	PUNCT
ejif-2086	338	4	.	.	PUNCT
ejif-2086	339	1	nigerian	nigerian	ADJ
ejif-2086	339	2	agricultural	agricultural	ADJ
ejif-2086	339	3	insurance	insurance	NOUN
ejif-2086	339	4	corporation	corporation	NOUN
ejif-2086	339	5	decree	decree	NOUN
ejif-2086	339	6	no	no	INTJ
ejif-2086	339	7	.	.	PUNCT
ejif-2086	340	1	37	37	NUM
ejif-2086	340	2	.	.	PUNCT
ejif-2086	341	1	[	[	X
ejif-2086	341	2	26	26	NUM
ejif-2086	341	3	]	]	PUNCT
ejif-2086	341	4	oxford	oxford	PROPN
ejif-2086	341	5	business	business	NOUN
ejif-2086	341	6	group	group	NOUN
ejif-2086	341	7	.	.	PUNCT
ejif-2086	342	1	(	(	PUNCT
ejif-2086	342	2	2017	2017	NUM
ejif-2086	342	3	)	)	PUNCT
ejif-2086	342	4	.	.	PUNCT
ejif-2086	343	1	low	low	ADJ
ejif-2086	343	2	insurance	insurance	NOUN
ejif-2086	343	3	penetration	penetration	NOUN
ejif-2086	343	4	rates	rate	NOUN
ejif-2086	343	5	in	in	ADP
ejif-2086	343	6	nigeria	nigeria	PROPN
ejif-2086	343	7	suggest	suggest	VERB
ejif-2086	343	8	growth	growth	NOUN
ejif-2086	343	9	for	for	ADP
ejif-2086	343	10	local	local	ADJ
ejif-2086	343	11	players	player	NOUN
ejif-2086	343	12	.	.	PUNCT
ejif-2086	344	1	retrieved	retrieve	VERB
ejif-2086	344	2	february	february	PROPN
ejif-2086	344	3	23	23	NUM
ejif-2086	344	4	,	,	PUNCT
ejif-2086	344	5	2017	2017	NUM
ejif-2086	344	6	,	,	PUNCT
ejif-2086	344	7	from	from	ADP
ejif-2086	344	8	oxford	oxford	PROPN
ejif-2086	344	9	business	business	NOUN
ejif-2086	344	10	group	group	PROPN
ejif-2086	344	11	web	web	NOUN
ejif-2086	344	12	site	site	NOUN
ejif-2086	344	13	:	:	PUNCT
ejif-2086	344	14	https://www.oxfordbusinessgroup.com/overview/eye	https://www.oxfordbusinessgroup.com/overview/eye	PROPN
ejif-2086	344	15	s	s	PROPN
ejif-2086	344	16	-	-	PUNCT
ejif-2086	344	17	prize	prize	NOUN
ejif-2086	344	18	-	-	PUNCT
ejif-2086	344	19	low	low	ADJ
ejif-2086	344	20	-	-	PUNCT
ejif-2086	344	21	penetration	penetration	NOUN
ejif-2086	344	22	-	-	PUNCT
ejif-2086	344	23	rate	rate	NOUN
ejif-2086	344	24	-	-	PUNCT
ejif-2086	344	25	suggests	suggest	NOUN
ejif-2086	344	26	-	-	PUNCT
ejif-2086	344	27	future	future	ADJ
ejif-2086	344	28	-	-	PUNCT
ejif-2086	344	29	growthlocal	growthlocal	NOUN
ejif-2086	344	30	-	-	PUNCT
ejif-2086	344	31	insurers	insurer	NOUN
ejif-2086	344	32	[	[	X
ejif-2086	344	33	27	27	NUM
ejif-2086	344	34	]	]	X
ejif-2086	344	35	saleh	saleh	NOUN
ejif-2086	344	36	,	,	PUNCT
ejif-2086	344	37	m.	m.	NOUN
ejif-2086	344	38	m.	m.	NOUN
ejif-2086	344	39	,	,	PUNCT
ejif-2086	344	40	balan	balan	PROPN
ejif-2086	344	41	,	,	PUNCT
ejif-2086	344	42	s.	s.	PROPN
ejif-2086	344	43	a.	a.	PROPN
ejif-2086	344	44	,	,	PUNCT
ejif-2086	344	45	&	&	CCONJ
ejif-2086	344	46	ruslan	ruslan	PROPN
ejif-2086	344	47	,	,	PUNCT
ejif-2086	344	48	m.	m.	PROPN
ejif-2086	344	49	k.	k.	PROPN
ejif-2086	344	50	(	(	PUNCT
ejif-2086	344	51	2016	2016	NUM
ejif-2086	344	52	)	)	PUNCT
ejif-2086	344	53	.	.	PUNCT
ejif-2086	345	1	learning	learn	VERB
ejif-2086	345	2	from	from	ADP
ejif-2086	345	3	the	the	DET
ejif-2086	345	4	malaysian	malaysian	ADJ
ejif-2086	345	5	experience	experience	NOUN
ejif-2086	345	6	:	:	PUNCT
ejif-2086	345	7	overcoming	overcome	VERB
ejif-2086	345	8	the	the	DET
ejif-2086	345	9	regulatory	regulatory	ADJ
ejif-2086	345	10	challenges	challenge	NOUN
ejif-2086	345	11	in	in	ADP
ejif-2086	345	12	the	the	DET
ejif-2086	345	13	nascent	nascent	ADJ
ejif-2086	345	14	takaful	takaful	ADJ
ejif-2086	345	15	practice	practice	NOUN
ejif-2086	345	16	in	in	ADP
ejif-2086	345	17	nigeria	nigeria	PROPN
ejif-2086	345	18	.	.	PUNCT
ejif-2086	346	1	journal	journal	PROPN
ejif-2086	346	2	of	of	ADP
ejif-2086	346	3	politics	politic	NOUN
ejif-2086	346	4	and	and	CCONJ
ejif-2086	346	5	law	law	NOUN
ejif-2086	346	6	,	,	PUNCT
ejif-2086	346	7	9	9	NUM
ejif-2086	346	8	,	,	PUNCT
ejif-2086	346	9	142	142	NUM
ejif-2086	346	10	-	-	SYM
ejif-2086	346	11	159	159	NUM
ejif-2086	346	12	.	.	PUNCT
ejif-2086	347	1	[	[	X
ejif-2086	347	2	28	28	NUM
ejif-2086	347	3	]	]	X
ejif-2086	347	4	tahir	tahir	PROPN
ejif-2086	347	5	-	-	PUNCT
ejif-2086	347	6	ul	ul	INTJ
ejif-2086	347	7	-	-	PUNCT
ejif-2086	347	8	qadri	qadri	PROPN
ejif-2086	347	9	,	,	PUNCT
ejif-2086	347	10	m.	m.	NOUN
ejif-2086	347	11	(	(	PUNCT
ejif-2086	347	12	2012	2012	NUM
ejif-2086	347	13	)	)	PUNCT
ejif-2086	347	14	.	.	PUNCT
ejif-2086	348	1	the	the	DET
ejif-2086	348	2	constitution	constitution	NOUN
ejif-2086	348	3	of	of	ADP
ejif-2086	348	4	medina	medina	PROPN
ejif-2086	348	5	.	.	PUNCT
ejif-2086	349	1	london	london	PROPN
ejif-2086	349	2	:	:	PUNCT
ejif-2086	349	3	minhaj	minhaj	PROPN
ejif-2086	349	4	-	-	PUNCT
ejif-2086	349	5	ul	ul	INTJ
ejif-2086	349	6	-	-	PUNCT
ejif-2086	349	7	quran	quran	PROPN
ejif-2086	349	8	publications	publication	NOUN
ejif-2086	349	9	.	.	PUNCT
ejif-2086	350	1	[	[	X
ejif-2086	350	2	29	29	NUM
ejif-2086	350	3	]	]	X
ejif-2086	350	4	takaful	takaful	PROPN
ejif-2086	350	5	ikhlas	ikhlas	PROPN
ejif-2086	350	6	.	.	PUNCT
ejif-2086	351	1	(	(	PUNCT
ejif-2086	351	2	2016	2016	NUM
ejif-2086	351	3	)	)	PUNCT
ejif-2086	351	4	.	.	PUNCT
ejif-2086	352	1	the	the	DET
ejif-2086	352	2	concept	concept	NOUN
ejif-2086	352	3	and	and	CCONJ
ejif-2086	352	4	benefits	benefit	NOUN
ejif-2086	352	5	of	of	ADP
ejif-2086	352	6	takaful	takaful	ADJ
ejif-2086	352	7	.	.	PUNCT
ejif-2086	353	1	retrieved	retrieve	VERB
ejif-2086	353	2	february	february	PROPN
ejif-2086	353	3	23	23	NUM
ejif-2086	353	4	,	,	PUNCT
ejif-2086	353	5	2017	2017	NUM
ejif-2086	353	6	,	,	PUNCT
ejif-2086	353	7	from	from	ADP
ejif-2086	353	8	takaful	takaful	PROPN
ejif-2086	353	9	ikhlas	ikhlas	PROPN
ejif-2086	353	10	web	web	NOUN
ejif-2086	353	11	site	site	NOUN
ejif-2086	353	12	:	:	PUNCT
ejif-2086	353	13	http://www.takafulikhlas.com.my/corporate-info/concept-benefitstakaful	http://www.takafulikhlas.com.my/corporate-info/concept-benefitstakaful	ADJ
ejif-2086	353	14	[	[	PUNCT
ejif-2086	353	15	30	30	NUM
ejif-2086	353	16	]	]	X
ejif-2086	353	17	yusuf	yusuf	PROPN
ejif-2086	353	18	,	,	PUNCT
ejif-2086	353	19	t.	t.	PROPN
ejif-2086	353	20	o.	o.	PROPN
ejif-2086	353	21	(	(	PUNCT
ejif-2086	353	22	2012	2012	NUM
ejif-2086	353	23	)	)	PUNCT
ejif-2086	353	24	.	.	PUNCT
ejif-2086	354	1	prospects	prospect	NOUN
ejif-2086	354	2	of	of	ADP
ejif-2086	354	3	takaful	takaful	NOUN
ejif-2086	354	4	's	's	PART
ejif-2086	354	5	(	(	PUNCT
ejif-2086	354	6	islamic	islamic	ADJ
ejif-2086	354	7	insurance	insurance	NOUN
ejif-2086	354	8	)	)	PUNCT
ejif-2086	354	9	contributions	contribution	NOUN
ejif-2086	354	10	to	to	ADP
ejif-2086	354	11	the	the	DET
ejif-2086	354	12	nigerian	nigerian	ADJ
ejif-2086	354	13	economy	economy	NOUN
ejif-2086	354	14	.	.	PUNCT
ejif-2086	355	1	journal	journal	PROPN
ejif-2086	355	2	of	of	ADP
ejif-2086	355	3	finance	finance	NOUN
ejif-2086	355	4	and	and	CCONJ
ejif-2086	355	5	investment	investment	NOUN
ejif-2086	355	6	analysis	analysis	NOUN
ejif-2086	355	7	,	,	PUNCT
ejif-2086	355	8	217230	217230	NUM
ejif-2086	355	9	.	.	PUNCT
ejif-2086	356	1	[	[	X
ejif-2086	356	2	31	31	NUM
ejif-2086	356	3	]	]	X
ejif-2086	356	4	yusuf	yusuf	PROPN
ejif-2086	356	5	,	,	PUNCT
ejif-2086	356	6	t.	t.	PROPN
ejif-2086	356	7	o.	o.	PROPN
ejif-2086	356	8	,	,	PUNCT
ejif-2086	356	9	&	&	CCONJ
ejif-2086	356	10	babalola	babalola	PROPN
ejif-2086	356	11	,	,	PUNCT
ejif-2086	356	12	a.	a.	PROPN
ejif-2086	356	13	r.	r.	PROPN
ejif-2086	356	14	(	(	PUNCT
ejif-2086	356	15	2015	2015	NUM
ejif-2086	356	16	)	)	PUNCT
ejif-2086	356	17	.	.	PUNCT
ejif-2086	357	1	takaful	takaful	ADJ
ejif-2086	357	2	in	in	ADP
ejif-2086	357	3	nigeria	nigeria	PROPN
ejif-2086	357	4	:	:	PUNCT
ejif-2086	357	5	penetration	penetration	NOUN
ejif-2086	357	6	challenges	challenge	NOUN
ejif-2086	357	7	and	and	CCONJ
ejif-2086	357	8	the	the	DET
ejif-2086	357	9	way	way	NOUN
ejif-2086	357	10	forward	forward	ADV
ejif-2086	357	11	.	.	PUNCT
ejif-2086	358	1	journal	journal	PROPN
ejif-2086	358	2	of	of	ADP
ejif-2086	358	3	islamic	islamic	ADJ
ejif-2086	358	4	economics	economic	NOUN
ejif-2086	358	5	,	,	PUNCT
ejif-2086	358	6	banking	banking	NOUN
ejif-2086	358	7	and	and	CCONJ
ejif-2086	358	8	finance	finance	NOUN
ejif-2086	358	9	,	,	PUNCT
ejif-2086	358	10	11(2	11(2	NUM
ejif-2086	358	11	)	)	PUNCT
ejif-2086	358	12	,	,	PUNCT
ejif-2086	358	13	133	133	NUM
ejif-2086	358	14	-	-	SYM
ejif-2086	358	15	148	148	NUM
ejif-2086	358	16	.	.	PUNCT
ejif-2086	359	1	ejif	ejif	PROPN
ejif-2086	359	2	–	–	PUNCT
ejif-2086	359	3	european	european	PROPN
ejif-2086	359	4	journal	journal	PROPN
ejif-2086	359	5	of	of	ADP
ejif-2086	359	6	islamic	islamic	PROPN
ejif-2086	359	7	finance	finance	PROPN
ejif-2086	359	8	editorial	editorial	ADJ
ejif-2086	359	9	team	team	NOUN
ejif-2086	359	10	editor	editor	NOUN
ejif-2086	359	11	in	in	ADP
ejif-2086	359	12	chief	chief	ADJ
ejif-2086	359	13	prof	prof	NOUN
ejif-2086	359	14	.	.	PUNCT
ejif-2086	359	15	paolo	paolo	PROPN
ejif-2086	359	16	pietro	pietro	PROPN
ejif-2086	359	17	biancone	biancone	NOUN
ejif-2086	359	18	,	,	PUNCT
ejif-2086	359	19	university	university	PROPN
ejif-2086	359	20	of	of	ADP
ejif-2086	359	21	turin	turin	PROPN
ejif-2086	359	22	,	,	PUNCT
ejif-2086	359	23	italy	italy	PROPN
ejif-2086	359	24	editorial	editorial	PROPN
ejif-2086	359	25	board	board	PROPN
ejif-2086	359	26	prof	prof	PROPN
ejif-2086	359	27	.	.	PUNCT
ejif-2086	360	1	dian	dian	PROPN
ejif-2086	360	2	masyita	masyita	PROPN
ejif-2086	360	3	,	,	PUNCT
ejif-2086	360	4	university	university	NOUN
ejif-2086	360	5	of	of	ADP
ejif-2086	360	6	padjadjaran	padjadjaran	PROPN
ejif-2086	360	7	,	,	PUNCT
ejif-2086	360	8	indonesia	indonesia	PROPN
ejif-2086	360	9	prof	prof	PROPN
ejif-2086	360	10	.	.	PUNCT
ejif-2086	361	1	abdulazeem	abdulazeem	PROPN
ejif-2086	361	2	abozaid	abozaid	PROPN
ejif-2086	361	3	,	,	PUNCT
ejif-2086	361	4	qatar	qatar	PROPN
ejif-2086	361	5	faculty	faculty	NOUN
ejif-2086	361	6	of	of	ADP
ejif-2086	361	7	islamic	islamic	ADJ
ejif-2086	361	8	studies	study	NOUN
ejif-2086	361	9	–	–	PUNCT
ejif-2086	361	10	qatar	qatar	PROPN
ejif-2086	361	11	prof	prof	NOUN
ejif-2086	361	12	.	.	PUNCT
ejif-2086	362	1	ahmad	ahmad	PROPN
ejif-2086	362	2	aref	aref	PROPN
ejif-2086	362	3	almazari	almazari	PROPN
ejif-2086	362	4	,	,	PUNCT
ejif-2086	362	5	king	king	PROPN
ejif-2086	362	6	saud	saud	PROPN
ejif-2086	362	7	university	university	PROPN
ejif-2086	362	8	,	,	PUNCT
ejif-2086	362	9	saudi	saudi	PROPN
ejif-2086	362	10	arabia	arabia	PROPN
ejif-2086	362	11	prof	prof	PROPN
ejif-2086	362	12	.	.	PUNCT
ejif-2086	363	1	nidal	nidal	PROPN
ejif-2086	363	2	a.	a.	PROPN
ejif-2086	363	3	alsayyed	alsayye	VERB
ejif-2086	363	4	,	,	PUNCT
ejif-2086	363	5	inayah	inayah	VERB
ejif-2086	363	6	islamic	islamic	PROPN
ejif-2086	363	7	finance	finance	PROPN
ejif-2086	363	8	research	research	PROPN
ejif-2086	363	9	institute	institute	PROPN
ejif-2086	363	10	,	,	PUNCT
ejif-2086	363	11	usa	usa	PROPN
ejif-2086	363	12	prof	prof	PROPN
ejif-2086	363	13	.	.	PUNCT
ejif-2086	364	1	roberta	roberta	PROPN
ejif-2086	364	2	aluffi	aluffi	PROPN
ejif-2086	364	3	,	,	PUNCT
ejif-2086	364	4	university	university	PROPN
ejif-2086	364	5	of	of	ADP
ejif-2086	364	6	turin	turin	PROPN
ejif-2086	364	7	italy	italy	PROPN
ejif-2086	364	8	prof	prof	PROPN
ejif-2086	364	9	.	.	PUNCT
ejif-2086	365	1	ghassen	ghassen	PROPN
ejif-2086	365	2	bouslama	bouslama	PROPN
ejif-2086	365	3	,	,	PUNCT
ejif-2086	365	4	neoma	neoma	PROPN
ejif-2086	365	5	business	business	PROPN
ejif-2086	365	6	school	school	PROPN
ejif-2086	365	7	campus	campus	NOUN
ejif-2086	365	8	de	de	X
ejif-2086	365	9	reims	reims	X
ejif-2086	365	10	,	,	PUNCT
ejif-2086	365	11	france	france	PROPN
ejif-2086	365	12	prof	prof	PROPN
ejif-2086	365	13	.	.	PUNCT
ejif-2086	366	1	nazam	nazam	PROPN
ejif-2086	366	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-2086	366	3	,	,	PUNCT
ejif-2086	366	4	salford	salford	PROPN
ejif-2086	366	5	university	university	PROPN
ejif-2086	366	6	,	,	PUNCT
ejif-2086	366	7	uk	uk	PROPN
ejif-2086	366	8	prof	prof	PROPN
ejif-2086	366	9	.	.	PUNCT
ejif-2086	367	1	kabir	kabir	PROPN
ejif-2086	367	2	hassan	hassan	PROPN
ejif-2086	367	3	,	,	PUNCT
ejif-2086	367	4	university	university	NOUN
ejif-2086	367	5	of	of	ADP
ejif-2086	367	6	new	new	PROPN
ejif-2086	367	7	orleans	orleans	PROPN
ejif-2086	367	8	,	,	PUNCT
ejif-2086	367	9	usa	usa	PROPN
ejif-2086	367	10	prof	prof	PROPN
ejif-2086	367	11	.	.	PUNCT
ejif-2086	368	1	khaled	khaled	PROPN
ejif-2086	368	2	hussainey	hussainey	PROPN
ejif-2086	368	3	,	,	PUNCT
ejif-2086	368	4	university	university	NOUN
ejif-2086	368	5	of	of	ADP
ejif-2086	368	6	plymouth	plymouth	PROPN
ejif-2086	368	7	,	,	PUNCT
ejif-2086	368	8	uk	uk	PROPN
ejif-2086	368	9	prof	prof	PROPN
ejif-2086	368	10	.	.	PUNCT
ejif-2086	369	1	rifki	rifki	PROPN
ejif-2086	369	2	ismal	ismal	NOUN
ejif-2086	369	3	,	,	PUNCT
ejif-2086	369	4	university	university	NOUN
ejif-2086	369	5	of	of	ADP
ejif-2086	369	6	indonesia	indonesia	PROPN
ejif-2086	369	7	prof	prof	PROPN
ejif-2086	369	8	.	.	PUNCT
ejif-2086	370	1	tariqullah	tariqullah	PROPN
ejif-2086	370	2	khan	khan	PROPN
ejif-2086	370	3	,	,	PUNCT
ejif-2086	370	4	hamad	hamad	PROPN
ejif-2086	370	5	bin	bin	PROPN
ejif-2086	370	6	khalifa	khalifa	PROPN
ejif-2086	370	7	university	university	PROPN
ejif-2086	370	8	,	,	PUNCT
ejif-2086	370	9	qatar	qatar	PROPN
ejif-2086	370	10	prof	prof	PROPN
ejif-2086	370	11	.	.	PROPN
ejif-2086	371	1	ali	ali	PROPN
ejif-2086	371	2	khorshid	khorshid	PROPN
ejif-2086	371	3	,	,	PUNCT
ejif-2086	371	4	icma	icma	NOUN
ejif-2086	371	5	centre	centre	NOUN
ejif-2086	371	6	reading	read	VERB
ejif-2086	371	7	university	university	PROPN
ejif-2086	371	8	uk	uk	PROPN
ejif-2086	371	9	prof	prof	PROPN
ejif-2086	371	10	.	.	PUNCT
ejif-2086	372	1	amir	amir	PROPN
ejif-2086	372	2	kia	kia	PROPN
ejif-2086	372	3	,	,	PUNCT
ejif-2086	372	4	utah	utah	PROPN
ejif-2086	372	5	valley	valley	PROPN
ejif-2086	372	6	university	university	PROPN
ejif-2086	372	7	,	,	PUNCT
ejif-2086	372	8	usa	usa	PROPN
ejif-2086	372	9	prof	prof	PROPN
ejif-2086	372	10	.	.	PUNCT
ejif-2086	373	1	laurent	laurent	PROPN
ejif-2086	373	2	marliere	marliere	ADV
ejif-2086	373	3	,	,	PUNCT
ejif-2086	373	4	université	université	PROPN
ejif-2086	373	5	paris	paris	PROPN
ejif-2086	373	6	-	-	PUNCT
ejif-2086	373	7	dauphine	dauphine	PROPN
ejif-2086	373	8	france	france	PROPN
ejif-2086	373	9	prof	prof	PROPN
ejif-2086	373	10	.	.	PUNCT
ejif-2086	374	1	federica	federica	PROPN
ejif-2086	374	2	miglietta	miglietta	PROPN
ejif-2086	374	3	,	,	PUNCT
ejif-2086	374	4	university	university	NOUN
ejif-2086	374	5	of	of	ADP
ejif-2086	374	6	bari	bari	PROPN
ejif-2086	374	7	italy	italy	PROPN
ejif-2086	374	8	prof	prof	PROPN
ejif-2086	374	9	.	.	PUNCT
ejif-2086	375	1	hakim	hakim	PROPN
ejif-2086	375	2	ben	ben	PROPN
ejif-2086	375	3	othman	othman	PROPN
ejif-2086	375	4	,	,	PUNCT
ejif-2086	375	5	university	university	PROPN
ejif-2086	375	6	of	of	ADP
ejif-2086	375	7	tunis	tunis	PROPN
ejif-2086	375	8	tunisia	tunisia	PROPN
ejif-2086	375	9	prof	prof	PROPN
ejif-2086	375	10	.	.	PUNCT
ejif-2086	376	1	mohamed	mohamed	PROPN
ejif-2086	376	2	ramady	ramady	PROPN
ejif-2086	376	3	,	,	PUNCT
ejif-2086	376	4	king	king	PROPN
ejif-2086	376	5	fahd	fahd	PROPN
ejif-2086	376	6	university	university	PROPN
ejif-2086	376	7	of	of	ADP
ejif-2086	376	8	petroleum	petroleum	NOUN
ejif-2086	376	9	and	and	CCONJ
ejif-2086	376	10	minerals	mineral	NOUN
ejif-2086	376	11	,	,	PUNCT
ejif-2086	377	1	saudi	saudi	PROPN
ejif-2086	377	2	arabia	arabia	PROPN
ejif-2086	377	3	prof	prof	PROPN
ejif-2086	377	4	.	.	PROPN
ejif-2086	377	5	mamunur	mamunur	PROPN
ejif-2086	377	6	rashid	rashid	PROPN
ejif-2086	377	7	,	,	PUNCT
ejif-2086	377	8	nottingham	nottingham	PROPN
ejif-2086	377	9	university	university	PROPN
ejif-2086	377	10	,	,	PUNCT
ejif-2086	377	11	malaysia	malaysia	PROPN
ejif-2086	377	12	prof	prof	PROPN
ejif-2086	377	13	.	.	PUNCT
ejif-2086	378	1	younes	younes	PROPN
ejif-2086	378	2	soualhi	soualhi	PROPN
ejif-2086	378	3	,	,	PUNCT
ejif-2086	378	4	international	international	PROPN
ejif-2086	378	5	islamic	islamic	PROPN
ejif-2086	378	6	university	university	PROPN
ejif-2086	378	7	malaysia	malaysia	PROPN
ejif-2086	378	8	prof	prof	PROPN
ejif-2086	378	9	.	.	PUNCT
ejif-2086	379	1	laurent	laurent	PROPN
ejif-2086	379	2	weill	weill	PROPN
ejif-2086	379	3	,	,	PUNCT
ejif-2086	379	4	university	university	NOUN
ejif-2086	379	5	of	of	ADP
ejif-2086	379	6	strasbourg	strasbourg	PROPN
ejif-2086	379	7	,	,	PUNCT
ejif-2086	379	8	france	france	PROPN