id	sid	tid	token	lemma	pos
ejif-2230	1	1	paper	paper	NOUN
ejif-2230	1	2	title	title	NOUN
ejif-2230	1	3	(	(	PUNCT
ejif-2230	1	4	use	use	NOUN
ejif-2230	1	5	style	style	NOUN
ejif-2230	1	6	:	:	PUNCT
ejif-2230	1	7	paper	paper	NOUN
ejif-2230	1	8	title	title	NOUN
ejif-2230	1	9	)	)	PUNCT
ejif-2230	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	1	11	issn	issn	VERB
ejif-2230	1	12	2421	2421	NUM
ejif-2230	1	13	-	-	SYM
ejif-2230	1	14	2172	2172	NUM
ejif-2230	1	15	1	1	NUM
ejif-2230	1	16	analysis	analysis	NOUN
ejif-2230	1	17	the	the	DET
ejif-2230	1	18	gap	gap	NOUN
ejif-2230	1	19	between	between	ADP
ejif-2230	1	20	bnm	bnm	PROPN
ejif-2230	1	21	regulation	regulation	NOUN
ejif-2230	1	22	and	and	CCONJ
ejif-2230	1	23	mm	mm	NUM
ejif-2230	1	24	application	application	NOUN
ejif-2230	1	25	in	in	ADP
ejif-2230	1	26	islamic	islamic	ADJ
ejif-2230	1	27	banking	banking	NOUN
ejif-2230	1	28	abstract	abstract	NOUN
ejif-2230	1	29	—	—	PUNCT
ejif-2230	1	30	bank	bank	PROPN
ejif-2230	1	31	negara	negara	PROPN
ejif-2230	1	32	malaysia	malaysia	PROPN
ejif-2230	1	33	resolved	resolve	VERB
ejif-2230	1	34	the	the	DET
ejif-2230	1	35	utilization	utilization	NOUN
ejif-2230	1	36	of	of	ADP
ejif-2230	1	37	musharakah	musharakah	PROPN
ejif-2230	1	38	mutanaqisah	mutanaqisah	NOUN
ejif-2230	1	39	on	on	ADP
ejif-2230	1	40	the	the	DET
ejif-2230	1	41	shariah	shariah	PROPN
ejif-2230	1	42	advisory	advisory	PROPN
ejif-2230	1	43	committee	committee	PROPN
ejif-2230	1	44	56th	56th	ADJ
ejif-2230	1	45	meeting	meeting	NOUN
ejif-2230	1	46	in	in	ADP
ejif-2230	1	47	2010	2010	NUM
ejif-2230	1	48	.	.	PUNCT
ejif-2230	2	1	in	in	ADP
ejif-2230	2	2	the	the	DET
ejif-2230	2	3	practice	practice	NOUN
ejif-2230	2	4	,	,	PUNCT
ejif-2230	2	5	most	most	ADJ
ejif-2230	2	6	of	of	ADP
ejif-2230	2	7	the	the	DET
ejif-2230	2	8	bank	bank	NOUN
ejif-2230	2	9	use	use	VERB
ejif-2230	2	10	musharakah	musharakah	NOUN
ejif-2230	2	11	mutanaqisah	mutanaqisah	NOUN
ejif-2230	2	12	for	for	ADP
ejif-2230	2	13	the	the	DET
ejif-2230	2	14	home	home	NOUN
ejif-2230	2	15	financing	financing	NOUN
ejif-2230	2	16	purpose	purpose	NOUN
ejif-2230	2	17	.	.	PUNCT
ejif-2230	3	1	this	this	DET
ejif-2230	3	2	study	study	NOUN
ejif-2230	3	3	examines	examine	VERB
ejif-2230	3	4	the	the	DET
ejif-2230	3	5	gap	gap	NOUN
ejif-2230	3	6	between	between	ADP
ejif-2230	3	7	the	the	DET
ejif-2230	3	8	bnm	bnm	PROPN
ejif-2230	3	9	regulation	regulation	NOUN
ejif-2230	3	10	and	and	CCONJ
ejif-2230	3	11	both	both	CCONJ
ejif-2230	3	12	the	the	DET
ejif-2230	3	13	maybank	maybank	PROPN
ejif-2230	3	14	islamic	islamic	PROPN
ejif-2230	3	15	and	and	CCONJ
ejif-2230	3	16	hsbc	hsbc	PROPN
ejif-2230	3	17	amanah	amanah	PROPN
ejif-2230	3	18	practices	practice	NOUN
ejif-2230	3	19	.	.	PUNCT
ejif-2230	4	1	the	the	DET
ejif-2230	4	2	method	method	NOUN
ejif-2230	4	3	of	of	ADP
ejif-2230	4	4	analysis	analysis	NOUN
ejif-2230	4	5	is	be	AUX
ejif-2230	4	6	using	use	VERB
ejif-2230	4	7	qualitative	qualitative	ADJ
ejif-2230	4	8	study	study	NOUN
ejif-2230	4	9	based	base	VERB
ejif-2230	4	10	on	on	ADP
ejif-2230	4	11	the	the	DET
ejif-2230	4	12	library	library	NOUN
ejif-2230	4	13	research	research	NOUN
ejif-2230	4	14	.	.	PUNCT
ejif-2230	5	1	the	the	DET
ejif-2230	5	2	result	result	NOUN
ejif-2230	5	3	has	have	AUX
ejif-2230	5	4	found	find	VERB
ejif-2230	5	5	the	the	DET
ejif-2230	5	6	gaps	gap	NOUN
ejif-2230	5	7	whcih	whcih	NOUN
ejif-2230	5	8	consist	consist	NOUN
ejif-2230	5	9	of	of	ADP
ejif-2230	5	10	one	one	NUM
ejif-2230	5	11	major	major	ADJ
ejif-2230	5	12	gap	gap	NOUN
ejif-2230	5	13	and	and	CCONJ
ejif-2230	5	14	three	three	NUM
ejif-2230	5	15	minor	minor	ADJ
ejif-2230	5	16	gaps	gap	NOUN
ejif-2230	5	17	,	,	PUNCT
ejif-2230	5	18	the	the	DET
ejif-2230	5	19	major	major	ADJ
ejif-2230	5	20	gap	gap	NOUN
ejif-2230	5	21	is	be	AUX
ejif-2230	5	22	related	relate	VERB
ejif-2230	5	23	to	to	ADP
ejif-2230	5	24	charging	charge	VERB
ejif-2230	5	25	early	early	ADJ
ejif-2230	5	26	settlement	settlement	NOUN
ejif-2230	5	27	fee	fee	NOUN
ejif-2230	5	28	by	by	ADP
ejif-2230	5	29	hsbc	hsbc	PROPN
ejif-2230	5	30	amanah	amanah	PROPN
ejif-2230	5	31	.	.	PUNCT
ejif-2230	6	1	in	in	ADP
ejif-2230	6	2	addition	addition	NOUN
ejif-2230	6	3	,	,	PUNCT
ejif-2230	6	4	three	three	NUM
ejif-2230	6	5	minor	minor	ADJ
ejif-2230	6	6	gaps	gap	NOUN
ejif-2230	6	7	are	be	AUX
ejif-2230	6	8	related	relate	VERB
ejif-2230	6	9	to	to	ADP
ejif-2230	6	10	wa’d	wa’d	ADJ
ejif-2230	6	11	statement	statement	NOUN
ejif-2230	6	12	in	in	ADP
ejif-2230	6	13	both	both	DET
ejif-2230	6	14	banks	bank	NOUN
ejif-2230	6	15	,	,	PUNCT
ejif-2230	6	16	pledge	pledge	VERB
ejif-2230	6	17	statement	statement	NOUN
ejif-2230	6	18	in	in	ADP
ejif-2230	6	19	maybank	maybank	PROPN
ejif-2230	6	20	side	side	NOUN
ejif-2230	6	21	,	,	PUNCT
ejif-2230	6	22	and	and	CCONJ
ejif-2230	6	23	default	default	NOUN
ejif-2230	6	24	approach	approach	NOUN
ejif-2230	6	25	compliance	compliance	NOUN
ejif-2230	6	26	in	in	ADP
ejif-2230	6	27	both	both	DET
ejif-2230	6	28	banks	bank	NOUN
ejif-2230	6	29	.	.	PUNCT
ejif-2230	7	1	however	however	ADV
ejif-2230	7	2	,	,	PUNCT
ejif-2230	7	3	this	this	DET
ejif-2230	7	4	study	study	NOUN
ejif-2230	7	5	does	do	AUX
ejif-2230	7	6	not	not	PART
ejif-2230	7	7	examine	examine	VERB
ejif-2230	7	8	the	the	DET
ejif-2230	7	9	gap	gap	NOUN
ejif-2230	7	10	that	that	PRON
ejif-2230	7	11	related	relate	VERB
ejif-2230	7	12	to	to	ADP
ejif-2230	7	13	the	the	DET
ejif-2230	7	14	contract	contract	NOUN
ejif-2230	7	15	validity	validity	NOUN
ejif-2230	7	16	.	.	PUNCT
ejif-2230	8	1	nevertheless	nevertheless	ADV
ejif-2230	8	2	,	,	PUNCT
ejif-2230	8	3	one	one	NUM
ejif-2230	8	4	single	single	ADJ
ejif-2230	8	5	gap	gap	NOUN
ejif-2230	8	6	found	find	VERB
ejif-2230	8	7	might	might	AUX
ejif-2230	8	8	create	create	VERB
ejif-2230	8	9	the	the	DET
ejif-2230	8	10	serious	serious	ADJ
ejif-2230	8	11	issue	issue	NOUN
ejif-2230	8	12	that	that	PRON
ejif-2230	8	13	leads	lead	VERB
ejif-2230	8	14	to	to	PART
ejif-2230	8	15	effect	effect	VERB
ejif-2230	8	16	the	the	DET
ejif-2230	8	17	contract	contract	NOUN
ejif-2230	8	18	validity	validity	NOUN
ejif-2230	8	19	of	of	ADP
ejif-2230	8	20	the	the	DET
ejif-2230	8	21	product	product	NOUN
ejif-2230	8	22	.	.	PUNCT
ejif-2230	9	1	by	by	ADP
ejif-2230	9	2	uncovering	uncover	VERB
ejif-2230	9	3	one	one	NUM
ejif-2230	9	4	gap	gap	NOUN
ejif-2230	9	5	that	that	PRON
ejif-2230	9	6	existed	exist	VERB
ejif-2230	9	7	in	in	ADP
ejif-2230	9	8	their	their	PRON
ejif-2230	9	9	practices	practice	NOUN
ejif-2230	9	10	,	,	PUNCT
ejif-2230	9	11	this	this	DET
ejif-2230	9	12	study	study	NOUN
ejif-2230	9	13	suggests	suggest	VERB
ejif-2230	9	14	for	for	ADP
ejif-2230	9	15	better	well	ADJ
ejif-2230	9	16	monitoring	monitoring	NOUN
ejif-2230	9	17	and	and	CCONJ
ejif-2230	9	18	supervision	supervision	NOUN
ejif-2230	9	19	conducted	conduct	VERB
ejif-2230	9	20	by	by	ADP
ejif-2230	9	21	all	all	DET
ejif-2230	9	22	involved	involved	ADJ
ejif-2230	9	23	parties	party	NOUN
ejif-2230	9	24	.	.	PUNCT
ejif-2230	10	1	bnm	bnm	PROPN
ejif-2230	10	2	shariah	shariah	PROPN
ejif-2230	10	3	advisory	advisory	PROPN
ejif-2230	10	4	council	council	PROPN
ejif-2230	10	5	and	and	CCONJ
ejif-2230	10	6	respective	respective	ADJ
ejif-2230	10	7	islamic	islamic	PROPN
ejif-2230	10	8	bank	bank	PROPN
ejif-2230	10	9	committee	committee	PROPN
ejif-2230	10	10	should	should	AUX
ejif-2230	10	11	verify	verify	VERB
ejif-2230	10	12	the	the	DET
ejif-2230	10	13	practice	practice	NOUN
ejif-2230	10	14	that	that	PRON
ejif-2230	10	15	may	may	AUX
ejif-2230	10	16	cause	cause	VERB
ejif-2230	10	17	the	the	DET
ejif-2230	10	18	contract	contract	NOUN
ejif-2230	10	19	to	to	PART
ejif-2230	10	20	become	become	VERB
ejif-2230	10	21	void	void	ADJ
ejif-2230	10	22	.	.	PUNCT
ejif-2230	11	1	in	in	ADP
ejif-2230	11	2	addition	addition	NOUN
ejif-2230	11	3	,	,	PUNCT
ejif-2230	11	4	the	the	DET
ejif-2230	11	5	islamic	islamic	ADJ
ejif-2230	11	6	financial	financial	ADJ
ejif-2230	11	7	institutions	institution	NOUN
ejif-2230	11	8	should	should	AUX
ejif-2230	11	9	strictly	strictly	ADV
ejif-2230	11	10	follow	follow	VERB
ejif-2230	11	11	all	all	DET
ejif-2230	11	12	the	the	DET
ejif-2230	11	13	regulation	regulation	NOUN
ejif-2230	11	14	issued	issue	VERB
ejif-2230	11	15	by	by	ADP
ejif-2230	11	16	the	the	DET
ejif-2230	11	17	bank	bank	NOUN
ejif-2230	11	18	negara	negara	PROPN
ejif-2230	11	19	malaysia	malaysia	PROPN
ejif-2230	11	20	in	in	ADP
ejif-2230	11	21	all	all	DET
ejif-2230	11	22	their	their	PRON
ejif-2230	11	23	practices	practice	NOUN
ejif-2230	11	24	and	and	CCONJ
ejif-2230	11	25	publication	publication	NOUN
ejif-2230	11	26	in	in	ADP
ejif-2230	11	27	order	order	NOUN
ejif-2230	11	28	to	to	PART
ejif-2230	11	29	make	make	VERB
ejif-2230	11	30	the	the	DET
ejif-2230	11	31	contracts	contract	NOUN
ejif-2230	11	32	acceptable	acceptable	ADJ
ejif-2230	11	33	according	accord	VERB
ejif-2230	11	34	to	to	ADP
ejif-2230	11	35	shariah	shariah	PROPN
ejif-2230	11	36	and	and	CCONJ
ejif-2230	11	37	to	to	PART
ejif-2230	11	38	cater	cater	VERB
ejif-2230	11	39	public	public	ADJ
ejif-2230	11	40	confidence	confidence	NOUN
ejif-2230	11	41	.	.	PUNCT
ejif-2230	12	1	adhering	adhere	VERB
ejif-2230	12	2	to	to	ADP
ejif-2230	12	3	guidelines	guideline	NOUN
ejif-2230	12	4	along	along	ADP
ejif-2230	12	5	with	with	ADP
ejif-2230	12	6	the	the	DET
ejif-2230	12	7	sharia	sharia	PROPN
ejif-2230	12	8	standard	standard	NOUN
ejif-2230	12	9	of	of	ADP
ejif-2230	12	10	the	the	DET
ejif-2230	12	11	product	product	NOUN
ejif-2230	12	12	further	far	ADV
ejif-2230	12	13	increases	increase	VERB
ejif-2230	12	14	accountability	accountability	NOUN
ejif-2230	12	15	and	and	CCONJ
ejif-2230	12	16	trustworthy	trustworthy	ADJ
ejif-2230	12	17	of	of	ADP
ejif-2230	12	18	sharia	sharia	PROPN
ejif-2230	12	19	compliancy	compliancy	PROPN
ejif-2230	12	20	in	in	ADP
ejif-2230	12	21	particular	particular	ADJ
ejif-2230	12	22	product	product	NOUN
ejif-2230	12	23	.	.	PUNCT
ejif-2230	13	1	keywords	keyword	NOUN
ejif-2230	13	2	-	-	PUNCT
ejif-2230	13	3	component	component	NOUN
ejif-2230	13	4	;	;	PUNCT
ejif-2230	13	5	musharakah	musharakah	PROPN
ejif-2230	13	6	mutanaqisah	mutanaqisah	PROPN
ejif-2230	13	7	,	,	PUNCT
ejif-2230	13	8	gap	gap	NOUN
ejif-2230	13	9	,	,	PUNCT
ejif-2230	13	10	bank	bank	NOUN
ejif-2230	13	11	practices	practice	NOUN
ejif-2230	13	12	.	.	PUNCT
ejif-2230	14	1	i.	i.	PROPN
ejif-2230	14	2	introduction	introduction	PROPN
ejif-2230	14	3	a.	a.	NOUN
ejif-2230	14	4	background	background	NOUN
ejif-2230	14	5	of	of	ADP
ejif-2230	14	6	the	the	DET
ejif-2230	14	7	study	study	NOUN
ejif-2230	14	8	the	the	DET
ejif-2230	14	9	scholars	scholar	NOUN
ejif-2230	14	10	and	and	CCONJ
ejif-2230	14	11	the	the	DET
ejif-2230	14	12	independent	independent	ADJ
ejif-2230	14	13	bodies	body	NOUN
ejif-2230	14	14	in	in	ADP
ejif-2230	14	15	the	the	DET
ejif-2230	14	16	field	field	NOUN
ejif-2230	14	17	of	of	ADP
ejif-2230	14	18	islamic	islamic	ADJ
ejif-2230	14	19	banking	banking	NOUN
ejif-2230	14	20	and	and	CCONJ
ejif-2230	14	21	finance	finance	NOUN
ejif-2230	14	22	have	have	AUX
ejif-2230	14	23	designed	design	VERB
ejif-2230	14	24	the	the	DET
ejif-2230	14	25	financial	financial	ADJ
ejif-2230	14	26	and	and	CCONJ
ejif-2230	14	27	deposits	deposit	NOUN
ejif-2230	14	28	products	product	NOUN
ejif-2230	14	29	using	use	VERB
ejif-2230	14	30	sharia	sharia	PROPN
ejif-2230	14	31	compliant	compliant	ADJ
ejif-2230	14	32	contracts	contract	NOUN
ejif-2230	14	33	.	.	PUNCT
ejif-2230	15	1	the	the	DET
ejif-2230	15	2	musharakah	musharakah	PROPN
ejif-2230	15	3	mutanaqisah	mutanaqisah	NOUN
ejif-2230	15	4	(	(	PUNCT
ejif-2230	15	5	mm	mm	NOUN
ejif-2230	15	6	)	)	PUNCT
ejif-2230	15	7	which	which	PRON
ejif-2230	15	8	is	be	AUX
ejif-2230	15	9	discussed	discuss	VERB
ejif-2230	15	10	in	in	ADP
ejif-2230	15	11	this	this	DET
ejif-2230	15	12	paper	paper	NOUN
ejif-2230	15	13	is	be	AUX
ejif-2230	15	14	also	also	ADV
ejif-2230	15	15	one	one	NUM
ejif-2230	15	16	of	of	ADP
ejif-2230	15	17	the	the	DET
ejif-2230	15	18	products	product	NOUN
ejif-2230	15	19	suggested	suggest	VERB
ejif-2230	15	20	for	for	ADP
ejif-2230	15	21	financing	financing	NOUN
ejif-2230	15	22	purpose	purpose	NOUN
ejif-2230	15	23	.	.	PUNCT
ejif-2230	16	1	mm	mm	PROPN
ejif-2230	16	2	is	be	AUX
ejif-2230	16	3	a	a	DET
ejif-2230	16	4	concept	concept	NOUN
ejif-2230	16	5	invented	invent	VERB
ejif-2230	16	6	by	by	ADP
ejif-2230	16	7	the	the	DET
ejif-2230	16	8	scholars	scholar	NOUN
ejif-2230	16	9	from	from	ADP
ejif-2230	16	10	musharakah	musharakah	PROPN
ejif-2230	16	11	(	(	PUNCT
ejif-2230	16	12	partnership	partnership	NOUN
ejif-2230	16	13	)	)	PUNCT
ejif-2230	16	14	as	as	ADP
ejif-2230	16	15	the	the	DET
ejif-2230	16	16	basis	basis	NOUN
ejif-2230	16	17	which	which	PRON
ejif-2230	16	18	is	be	AUX
ejif-2230	16	19	one	one	NUM
ejif-2230	16	20	of	of	ADP
ejif-2230	16	21	the	the	DET
ejif-2230	16	22	nominate	nominate	ADJ
ejif-2230	16	23	contracts	contract	NOUN
ejif-2230	16	24	(	(	PUNCT
ejif-2230	16	25	al-‘uqud	al-‘uqud	PROPN
ejif-2230	16	26	al	al	PROPN
ejif-2230	16	27	-	-	PUNCT
ejif-2230	16	28	musamma	musamma	PROPN
ejif-2230	16	29	)	)	PUNCT
ejif-2230	16	30	in	in	ADP
ejif-2230	16	31	fiqh	fiqh	PROPN
ejif-2230	16	32	.	.	PUNCT
ejif-2230	17	1	the	the	DET
ejif-2230	17	2	aaoifi	aaoifi	NOUN
ejif-2230	17	3	defined	define	VERB
ejif-2230	17	4	the	the	DET
ejif-2230	17	5	mm	mm	PROPN
ejif-2230	17	6	as	as	SCONJ
ejif-2230	17	7	follows	follow	VERB
ejif-2230	17	8	:	:	PUNCT
ejif-2230	17	9	“	"	PUNCT
ejif-2230	17	10	musharakah	musharakah	PROPN
ejif-2230	17	11	mutanaqisah	mutanaqisah	NOUN
ejif-2230	17	12	is	be	AUX
ejif-2230	17	13	a	a	DET
ejif-2230	17	14	form	form	NOUN
ejif-2230	17	15	of	of	ADP
ejif-2230	17	16	partnership	partnership	NOUN
ejif-2230	17	17	in	in	ADP
ejif-2230	17	18	which	which	PRON
ejif-2230	17	19	one	one	NUM
ejif-2230	17	20	of	of	ADP
ejif-2230	17	21	the	the	DET
ejif-2230	17	22	partner	partner	NOUN
ejif-2230	17	23	promises	promise	VERB
ejif-2230	17	24	to	to	PART
ejif-2230	17	25	buy	buy	VERB
ejif-2230	17	26	the	the	DET
ejif-2230	17	27	equity	equity	NOUN
ejif-2230	17	28	share	share	NOUN
ejif-2230	17	29	of	of	ADP
ejif-2230	17	30	the	the	DET
ejif-2230	17	31	other	other	ADJ
ejif-2230	17	32	partner	partner	NOUN
ejif-2230	17	33	gradually	gradually	ADV
ejif-2230	17	34	until	until	SCONJ
ejif-2230	17	35	the	the	DET
ejif-2230	17	36	title	title	NOUN
ejif-2230	17	37	to	to	ADP
ejif-2230	17	38	the	the	DET
ejif-2230	17	39	equity	equity	NOUN
ejif-2230	17	40	is	be	AUX
ejif-2230	17	41	completely	completely	ADV
ejif-2230	17	42	transferred	transfer	VERB
ejif-2230	17	43	to	to	ADP
ejif-2230	17	44	him	he	PRON
ejif-2230	17	45	.	.	PUNCT
ejif-2230	18	1	this	this	DET
ejif-2230	18	2	transaction	transaction	NOUN
ejif-2230	18	3	starts	start	VERB
ejif-2230	18	4	with	with	ADP
ejif-2230	18	5	the	the	DET
ejif-2230	18	6	formation	formation	NOUN
ejif-2230	18	7	of	of	ADP
ejif-2230	18	8	a	a	DET
ejif-2230	18	9	partnership	partnership	NOUN
ejif-2230	18	10	,	,	PUNCT
ejif-2230	18	11	after	after	SCONJ
ejif-2230	18	12	which	which	DET
ejif-2230	18	13	buying	buy	VERB
ejif-2230	18	14	and	and	CCONJ
ejif-2230	18	15	selling	selling	NOUN
ejif-2230	18	16	of	of	ADP
ejif-2230	18	17	the	the	DET
ejif-2230	18	18	equity	equity	NOUN
ejif-2230	18	19	take	take	VERB
ejif-2230	18	20	place	place	NOUN
ejif-2230	18	21	between	between	ADP
ejif-2230	18	22	the	the	DET
ejif-2230	18	23	two	two	NUM
ejif-2230	18	24	partners	partner	NOUN
ejif-2230	18	25	.	.	PUNCT
ejif-2230	19	1	it	it	PRON
ejif-2230	19	2	is	be	AUX
ejif-2230	19	3	therefore	therefore	ADV
ejif-2230	19	4	necessary	necessary	ADJ
ejif-2230	19	5	that	that	SCONJ
ejif-2230	19	6	this	this	DET
ejif-2230	19	7	buying	buying	NOUN
ejif-2230	19	8	and	and	CCONJ
ejif-2230	19	9	selling	selling	NOUN
ejif-2230	19	10	should	should	AUX
ejif-2230	19	11	not	not	PART
ejif-2230	19	12	be	be	AUX
ejif-2230	19	13	stipulated	stipulate	VERB
ejif-2230	19	14	in	in	ADP
ejif-2230	19	15	the	the	DET
ejif-2230	19	16	partnership	partnership	NOUN
ejif-2230	19	17	contract	contract	NOUN
ejif-2230	19	18	.	.	PUNCT
ejif-2230	20	1	in	in	ADP
ejif-2230	20	2	other	other	ADJ
ejif-2230	20	3	words	word	NOUN
ejif-2230	20	4	,	,	PUNCT
ejif-2230	20	5	the	the	DET
ejif-2230	20	6	buying	buying	NOUN
ejif-2230	20	7	partner	partner	NOUN
ejif-2230	20	8	is	be	AUX
ejif-2230	20	9	allowed	allow	VERB
ejif-2230	20	10	to	to	PART
ejif-2230	20	11	give	give	VERB
ejif-2230	20	12	only	only	ADV
ejif-2230	20	13	a	a	DET
ejif-2230	20	14	promise	promise	NOUN
ejif-2230	20	15	to	to	PART
ejif-2230	20	16	buy	buy	VERB
ejif-2230	20	17	.	.	PUNCT
ejif-2230	21	1	this	this	DET
ejif-2230	21	2	promise	promise	NOUN
ejif-2230	21	3	should	should	AUX
ejif-2230	21	4	be	be	AUX
ejif-2230	21	5	independent	independent	ADJ
ejif-2230	21	6	of	of	ADP
ejif-2230	21	7	the	the	DET
ejif-2230	21	8	partnership	partnership	NOUN
ejif-2230	21	9	contract	contract	NOUN
ejif-2230	21	10	.	.	PUNCT
ejif-2230	22	1	in	in	ADP
ejif-2230	22	2	addition	addition	NOUN
ejif-2230	22	3	,	,	PUNCT
ejif-2230	22	4	the	the	DET
ejif-2230	22	5	buying	buying	NOUN
ejif-2230	22	6	and	and	CCONJ
ejif-2230	22	7	selling	selling	NOUN
ejif-2230	22	8	agreement	agreement	NOUN
ejif-2230	22	9	must	must	AUX
ejif-2230	22	10	be	be	AUX
ejif-2230	22	11	independent	independent	ADJ
ejif-2230	22	12	of	of	ADP
ejif-2230	22	13	the	the	DET
ejif-2230	22	14	partnership	partnership	NOUN
ejif-2230	22	15	contract	contract	NOUN
ejif-2230	22	16	.	.	PUNCT
ejif-2230	23	1	it	it	PRON
ejif-2230	23	2	is	be	AUX
ejif-2230	23	3	not	not	PART
ejif-2230	23	4	permitted	permit	VERB
ejif-2230	23	5	that	that	SCONJ
ejif-2230	23	6	one	one	NUM
ejif-2230	23	7	contract	contract	NOUN
ejif-2230	23	8	be	be	AUX
ejif-2230	23	9	entered	enter	VERB
ejif-2230	23	10	into	into	ADP
ejif-2230	23	11	as	as	ADP
ejif-2230	23	12	a	a	DET
ejif-2230	23	13	condition	condition	NOUN
ejif-2230	23	14	for	for	ADP
ejif-2230	23	15	concluding	conclude	VERB
ejif-2230	23	16	the	the	DET
ejif-2230	23	17	other	other	ADJ
ejif-2230	23	18	”	"	PUNCT
ejif-2230	23	19	(	(	PUNCT
ejif-2230	23	20	aaoifi	aaoifi	NOUN
ejif-2230	23	21	,	,	PUNCT
ejif-2230	23	22	2008	2008	NUM
ejif-2230	23	23	,	,	PUNCT
ejif-2230	23	24	shariah	shariah	PROPN
ejif-2230	23	25	standard	standard	PROPN
ejif-2230	23	26	no.12	no.12	PROPN
ejif-2230	23	27	,	,	PUNCT
ejif-2230	23	28	5/1	5/1	NUM
ejif-2230	23	29	,	,	PUNCT
ejif-2230	23	30	p.217	p.217	NUM
ejif-2230	23	31	)	)	PUNCT
ejif-2230	23	32	.	.	PUNCT
ejif-2230	24	1	from	from	ADP
ejif-2230	24	2	aaoifi	aaoifi	PROPN
ejif-2230	24	3	definition	definition	NOUN
ejif-2230	24	4	,	,	PUNCT
ejif-2230	24	5	it	it	PRON
ejif-2230	24	6	implies	imply	VERB
ejif-2230	24	7	that	that	SCONJ
ejif-2230	24	8	mm	mm	PROPN
ejif-2230	24	9	comprises	comprise	VERB
ejif-2230	24	10	three	three	NUM
ejif-2230	24	11	independent	independent	ADJ
ejif-2230	24	12	contracts	contract	NOUN
ejif-2230	24	13	e.g.	e.g.	ADV
ejif-2230	24	14	musharakah	musharakah	NOUN
ejif-2230	24	15	(	(	PUNCT
ejif-2230	24	16	joint	joint	ADJ
ejif-2230	24	17	venture	venture	NOUN
ejif-2230	24	18	)	)	PUNCT
ejif-2230	24	19	,	,	PUNCT
ejif-2230	24	20	ijarah	ijarah	PROPN
ejif-2230	24	21	(	(	PUNCT
ejif-2230	24	22	lease	lease	NOUN
ejif-2230	24	23	)	)	PUNCT
ejif-2230	24	24	,	,	PUNCT
ejif-2230	24	25	and	and	CCONJ
ejif-2230	24	26	bay	bay	NOUN
ejif-2230	24	27	(	(	PUNCT
ejif-2230	24	28	sale	sale	NOUN
ejif-2230	24	29	)	)	PUNCT
ejif-2230	24	30	.	.	PUNCT
ejif-2230	25	1	in	in	ADP
ejif-2230	25	2	addition	addition	NOUN
ejif-2230	25	3	,	,	PUNCT
ejif-2230	25	4	it	it	PRON
ejif-2230	25	5	also	also	ADV
ejif-2230	25	6	stated	state	VERB
ejif-2230	25	7	unilateral	unilateral	ADJ
ejif-2230	25	8	promise	promise	NOUN
ejif-2230	25	9	(	(	PUNCT
ejif-2230	25	10	wa’d	wa’d	PROPN
ejif-2230	25	11	)	)	PUNCT
ejif-2230	25	12	as	as	SCONJ
ejif-2230	25	13	it	it	PRON
ejif-2230	25	14	comes	come	VERB
ejif-2230	25	15	from	from	ADP
ejif-2230	25	16	the	the	DET
ejif-2230	25	17	buyer	buyer	NOUN
ejif-2230	25	18	side	side	NOUN
ejif-2230	25	19	to	to	PART
ejif-2230	25	20	buy	buy	VERB
ejif-2230	25	21	bank	bank	NOUN
ejif-2230	25	22	’s	’s	PART
ejif-2230	25	23	portion	portion	NOUN
ejif-2230	25	24	.	.	PUNCT
ejif-2230	26	1	accordingly	accordingly	ADV
ejif-2230	26	2	,	,	PUNCT
ejif-2230	26	3	musharakah	musharakah	PROPN
ejif-2230	26	4	mutanaqisah	mutanaqisah	PROPN
ejif-2230	26	5	(	(	PUNCT
ejif-2230	26	6	mm	mm	INTJ
ejif-2230	26	7	)	)	PUNCT
ejif-2230	26	8	is	be	AUX
ejif-2230	26	9	basically	basically	ADV
ejif-2230	26	10	a	a	DET
ejif-2230	26	11	partnership	partnership	NOUN
ejif-2230	26	12	contract	contract	NOUN
ejif-2230	26	13	whereby	whereby	SCONJ
ejif-2230	26	14	the	the	DET
ejif-2230	26	15	share	share	NOUN
ejif-2230	26	16	of	of	ADP
ejif-2230	26	17	one	one	NUM
ejif-2230	26	18	partner	partner	NOUN
ejif-2230	26	19	as	as	ADP
ejif-2230	26	20	an	an	DET
ejif-2230	26	21	islamic	islamic	ADJ
ejif-2230	26	22	bank	bank	NOUN
ejif-2230	26	23	diminishes	diminish	VERB
ejif-2230	26	24	while	while	SCONJ
ejif-2230	26	25	other	other	ADJ
ejif-2230	26	26	partner	partner	NOUN
ejif-2230	26	27	’s	’	VERB
ejif-2230	26	28	as	as	SCONJ
ejif-2230	26	29	a	a	DET
ejif-2230	26	30	customer	customer	NOUN
ejif-2230	26	31	increases	increase	VERB
ejif-2230	26	32	until	until	SCONJ
ejif-2230	26	33	the	the	DET
ejif-2230	26	34	later	later	NOUN
ejif-2230	26	35	becomes	become	VERB
ejif-2230	26	36	the	the	DET
ejif-2230	26	37	sole	sole	ADJ
ejif-2230	26	38	owner	owner	NOUN
ejif-2230	26	39	.	.	PUNCT
ejif-2230	27	1	the	the	DET
ejif-2230	27	2	mm	mm	PROPN
ejif-2230	27	3	can	can	AUX
ejif-2230	27	4	be	be	AUX
ejif-2230	27	5	arranged	arrange	VERB
ejif-2230	27	6	for	for	ADP
ejif-2230	27	7	the	the	DET
ejif-2230	27	8	purpose	purpose	NOUN
ejif-2230	27	9	of	of	ADP
ejif-2230	27	10	financing	financing	NOUN
ejif-2230	27	11	for	for	ADP
ejif-2230	27	12	asset	asset	NOUN
ejif-2230	27	13	acquisition	acquisition	NOUN
ejif-2230	27	14	as	as	ADV
ejif-2230	27	15	well	well	ADV
ejif-2230	27	16	as	as	ADP
ejif-2230	27	17	for	for	ADP
ejif-2230	27	18	financing	financing	NOUN
ejif-2230	27	19	for	for	ADP
ejif-2230	27	20	business	business	NOUN
ejif-2230	27	21	venture	venture	NOUN
ejif-2230	27	22	.	.	PUNCT
ejif-2230	28	1	therefore	therefore	ADV
ejif-2230	28	2	,	,	PUNCT
ejif-2230	28	3	according	accord	VERB
ejif-2230	28	4	to	to	ADP
ejif-2230	28	5	bnm	bnm	PROPN
ejif-2230	28	6	(	(	PUNCT
ejif-2230	28	7	2010	2010	NUM
ejif-2230	28	8	)	)	PUNCT
ejif-2230	28	9	,	,	PUNCT
ejif-2230	28	10	if	if	SCONJ
ejif-2230	28	11	the	the	DET
ejif-2230	28	12	partnership	partnership	NOUN
ejif-2230	28	13	established	establish	VERB
ejif-2230	28	14	for	for	ADP
ejif-2230	28	15	the	the	DET
ejif-2230	28	16	purpose	purpose	NOUN
ejif-2230	28	17	of	of	ADP
ejif-2230	28	18	acquiring	acquire	VERB
ejif-2230	28	19	asset	asset	NOUN
ejif-2230	28	20	,	,	PUNCT
ejif-2230	28	21	it	it	PRON
ejif-2230	28	22	should	should	AUX
ejif-2230	28	23	be	be	AUX
ejif-2230	28	24	governed	govern	VERB
ejif-2230	28	25	by	by	ADP
ejif-2230	28	26	the	the	DET
ejif-2230	28	27	rules	rule	NOUN
ejif-2230	28	28	of	of	ADP
ejif-2230	28	29	‘	'	PUNCT
ejif-2230	28	30	sharikat	sharikat	PROPN
ejif-2230	28	31	al	al	PROPN
ejif-2230	28	32	milk	milk	NOUN
ejif-2230	28	33	’	'	PUNCT
ejif-2230	28	34	,	,	PUNCT
ejif-2230	28	35	if	if	SCONJ
ejif-2230	28	36	it	it	PRON
ejif-2230	28	37	is	be	AUX
ejif-2230	28	38	for	for	ADP
ejif-2230	28	39	the	the	DET
ejif-2230	28	40	business	business	NOUN
ejif-2230	28	41	venture	venture	NOUN
ejif-2230	28	42	,	,	PUNCT
ejif-2230	28	43	it	it	PRON
ejif-2230	28	44	should	should	AUX
ejif-2230	28	45	be	be	AUX
ejif-2230	28	46	governed	govern	VERB
ejif-2230	28	47	by	by	ADP
ejif-2230	28	48	the	the	DET
ejif-2230	28	49	rules	rule	NOUN
ejif-2230	28	50	of	of	ADP
ejif-2230	28	51	‘	'	PUNCT
ejif-2230	28	52	sharikat	sharikat	PROPN
ejif-2230	28	53	al	al	PROPN
ejif-2230	28	54	aqd	aqd	PROPN
ejif-2230	28	55	’	'	PUNCT
ejif-2230	28	56	.	.	PUNCT
ejif-2230	29	1	some	some	DET
ejif-2230	29	2	researches	research	NOUN
ejif-2230	29	3	argue	argue	VERB
ejif-2230	29	4	that	that	SCONJ
ejif-2230	29	5	mm	mm	PROPN
ejif-2230	29	6	for	for	ADP
ejif-2230	29	7	asset	asset	NOUN
ejif-2230	29	8	acquisition	acquisition	NOUN
ejif-2230	29	9	is	be	AUX
ejif-2230	29	10	considered	consider	VERB
ejif-2230	29	11	as	as	ADP
ejif-2230	29	12	shirkat	shirkat	NOUN
ejif-2230	29	13	alaqad	alaqad	NOUN
ejif-2230	29	14	when	when	SCONJ
ejif-2230	29	15	the	the	DET
ejif-2230	29	16	intention	intention	NOUN
ejif-2230	29	17	of	of	ADP
ejif-2230	29	18	one	one	NUM
ejif-2230	29	19	party	party	NOUN
ejif-2230	29	20	to	to	PART
ejif-2230	29	21	generate	generate	VERB
ejif-2230	29	22	returns	return	NOUN
ejif-2230	29	23	(	(	PUNCT
ejif-2230	29	24	aif	aif	PROPN
ejif-2230	29	25	,	,	PUNCT
ejif-2230	29	26	2013	2013	NUM
ejif-2230	29	27	)	)	PUNCT
ejif-2230	29	28	.	.	PUNCT
ejif-2230	30	1	however	however	ADV
ejif-2230	30	2	,	,	PUNCT
ejif-2230	30	3	in	in	ADP
ejif-2230	30	4	malaysia	malaysia	PROPN
ejif-2230	30	5	,	,	PUNCT
ejif-2230	30	6	mm	mm	PROPN
ejif-2230	30	7	is	be	AUX
ejif-2230	30	8	considered	consider	VERB
ejif-2230	30	9	as	as	ADP
ejif-2230	30	10	shirkat	shirkat	NOUN
ejif-2230	30	11	almilk	almilk	NOUN
ejif-2230	30	12	as	as	SCONJ
ejif-2230	30	13	stated	state	VERB
ejif-2230	30	14	in	in	ADP
ejif-2230	30	15	the	the	DET
ejif-2230	30	16	concept	concept	NOUN
ejif-2230	30	17	paper	paper	NOUN
ejif-2230	30	18	,	,	PUNCT
ejif-2230	30	19	as	as	SCONJ
ejif-2230	30	20	the	the	DET
ejif-2230	30	21	own	own	ADJ
ejif-2230	30	22	purpose	purpose	NOUN
ejif-2230	30	23	is	be	AUX
ejif-2230	30	24	to	to	PART
ejif-2230	30	25	jointly	jointly	ADV
ejif-2230	30	26	own	own	VERB
ejif-2230	30	27	asset	asset	NOUN
ejif-2230	30	28	rather	rather	ADV
ejif-2230	30	29	than	than	ADP
ejif-2230	30	30	profit	profit	NOUN
ejif-2230	30	31	generation	generation	NOUN
ejif-2230	30	32	.	.	PUNCT
ejif-2230	31	1	furthermore	furthermore	ADV
ejif-2230	31	2	,	,	PUNCT
ejif-2230	31	3	the	the	DET
ejif-2230	31	4	asset	asset	NOUN
ejif-2230	31	5	in	in	ADP
ejif-2230	31	6	mm	mm	PROPN
ejif-2230	31	7	contract	contract	NOUN
ejif-2230	31	8	can	can	AUX
ejif-2230	31	9	be	be	AUX
ejif-2230	31	10	an	an	DET
ejif-2230	31	11	already	already	ADV
ejif-2230	31	12	completed	complete	VERB
ejif-2230	31	13	or	or	CCONJ
ejif-2230	31	14	incomplete	incomplete	ADJ
ejif-2230	31	15	asset	asset	NOUN
ejif-2230	31	16	(	(	PUNCT
ejif-2230	31	17	under	under	ADP
ejif-2230	31	18	construction	construction	NOUN
ejif-2230	31	19	asset	asset	NOUN
ejif-2230	31	20	)	)	PUNCT
ejif-2230	31	21	.	.	PUNCT
ejif-2230	32	1	mm	mm	INTJ
ejif-2230	32	2	for	for	ADP
ejif-2230	32	3	the	the	DET
ejif-2230	32	4	completed	complete	VERB
ejif-2230	32	5	asset	asset	NOUN
ejif-2230	32	6	may	may	AUX
ejif-2230	32	7	be	be	AUX
ejif-2230	32	8	arranged	arrange	VERB
ejif-2230	32	9	with	with	ADP
ejif-2230	32	10	ijarah	ijarah	NOUN
ejif-2230	32	11	(	(	PUNCT
ejif-2230	32	12	lease	lease	NOUN
ejif-2230	32	13	)	)	PUNCT
ejif-2230	32	14	and	and	CCONJ
ejif-2230	32	15	sale	sale	NOUN
ejif-2230	32	16	and	and	CCONJ
ejif-2230	32	17	for	for	SCONJ
ejif-2230	32	18	the	the	DET
ejif-2230	32	19	asset	asset	NOUN
ejif-2230	32	20	to	to	PART
ejif-2230	32	21	be	be	AUX
ejif-2230	32	22	constructed	construct	VERB
ejif-2230	32	23	may	may	AUX
ejif-2230	32	24	be	be	AUX
ejif-2230	32	25	arranged	arrange	VERB
ejif-2230	32	26	with	with	ADP
ejif-2230	32	27	istisna	istisna	NOUN
ejif-2230	32	28	contract	contract	NOUN
ejif-2230	32	29	,	,	PUNCT
ejif-2230	32	30	ijarah	ijarah	NOUN
ejif-2230	32	31	mawsufa	mawsufa	NOUN
ejif-2230	32	32	fi	fi	NOUN
ejif-2230	32	33	zimmah	zimmah	NOUN
ejif-2230	32	34	and	and	CCONJ
ejif-2230	32	35	sale	sale	NOUN
ejif-2230	32	36	.	.	PUNCT
ejif-2230	33	1	on	on	ADP
ejif-2230	33	2	the	the	DET
ejif-2230	33	3	other	other	ADJ
ejif-2230	33	4	hand	hand	NOUN
ejif-2230	33	5	,	,	PUNCT
ejif-2230	33	6	mm	mm	PROPN
ejif-2230	33	7	for	for	ADP
ejif-2230	33	8	venture	venture	NOUN
ejif-2230	33	9	is	be	AUX
ejif-2230	33	10	governed	govern	VERB
ejif-2230	33	11	by	by	ADP
ejif-2230	33	12	the	the	DET
ejif-2230	33	13	rules	rule	NOUN
ejif-2230	33	14	of	of	ADP
ejif-2230	33	15	‘	'	PUNCT
ejif-2230	33	16	sharikat	sharikat	PROPN
ejif-2230	33	17	al	al	PROPN
ejif-2230	33	18	aqd	aqd	PROPN
ejif-2230	33	19	’	'	PUNCT
ejif-2230	33	20	because	because	SCONJ
ejif-2230	33	21	it	it	PRON
ejif-2230	33	22	is	be	AUX
ejif-2230	33	23	meant	mean	VERB
ejif-2230	33	24	for	for	ADP
ejif-2230	33	25	sharing	share	VERB
ejif-2230	33	26	profits	profit	NOUN
ejif-2230	33	27	even	even	ADV
ejif-2230	33	28	audia	audia	NOUN
ejif-2230	33	29	syafa’atur	syafa’atur	VERB
ejif-2230	33	30	rahman	rahman	PROPN
ejif-2230	33	31	,	,	PUNCT
ejif-2230	33	32	hayathu	hayathu	PROPN
ejif-2230	33	33	mohammed	mohammed	PROPN
ejif-2230	33	34	ahamed	ahamed	PROPN
ejif-2230	34	1	hilmy	hilmy	PROPN
ejif-2230	34	2	,	,	PUNCT
ejif-2230	34	3	adi	adi	PROPN
ejif-2230	34	4	saifurrahman	saifurrahman	PROPN
ejif-2230	34	5	institute	institute	PROPN
ejif-2230	34	6	of	of	ADP
ejif-2230	34	7	islamic	islamic	PROPN
ejif-2230	34	8	banking	banking	PROPN
ejif-2230	34	9	and	and	CCONJ
ejif-2230	34	10	finance	finance	NOUN
ejif-2230	34	11	,	,	PUNCT
ejif-2230	34	12	international	international	ADJ
ejif-2230	34	13	islamic	islamic	PROPN
ejif-2230	34	14	university	university	PROPN
ejif-2230	34	15	malaysia	malaysia	PROPN
ejif-2230	34	16	email	email	NOUN
ejif-2230	34	17	:	:	PUNCT
ejif-2230	34	18	audiasyafaaturrahman@gmail.com	audiasyafaaturrahman@gmail.com	PROPN
ejif-2230	34	19	,	,	PUNCT
ejif-2230	34	20	ahamedhilmy@gmail.com	ahamedhilmy@gmail.com	PROPN
ejif-2230	34	21	,	,	PUNCT
ejif-2230	34	22	say4m@gmail.com	say4m@gmail.com	X
ejif-2230	34	23	rusni	rusni	PROPN
ejif-2230	34	24	hassan	hassan	PROPN
ejif-2230	34	25	institute	institute	PROPN
ejif-2230	34	26	of	of	ADP
ejif-2230	34	27	islamic	islamic	PROPN
ejif-2230	34	28	banking	banking	PROPN
ejif-2230	34	29	and	and	CCONJ
ejif-2230	34	30	finance	finance	NOUN
ejif-2230	34	31	,	,	PUNCT
ejif-2230	34	32	international	international	ADJ
ejif-2230	34	33	islamic	islamic	PROPN
ejif-2230	34	34	university	university	PROPN
ejif-2230	34	35	malaysia	malaysia	PROPN
ejif-2230	34	36	hrusni@iium.edu.my	hrusni@iium.edu.my	PROPN
ejif-2230	34	37	ejif	ejif	PROPN
ejif-2230	34	38	–	–	PUNCT
ejif-2230	34	39	european	european	PROPN
ejif-2230	34	40	journal	journal	PROPN
ejif-2230	34	41	of	of	ADP
ejif-2230	34	42	islamic	islamic	PROPN
ejif-2230	34	43	finance	finance	PROPN
ejif-2230	34	44	no8	no8	PROPN
ejif-2230	34	45	,	,	PUNCT
ejif-2230	34	46	december	december	PROPN
ejif-2230	34	47	(	(	PUNCT
ejif-2230	34	48	2017	2017	NUM
ejif-2230	34	49	)	)	PUNCT
ejif-2230	35	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	35	2	issn	issn	VERB
ejif-2230	35	3	2421	2421	NUM
ejif-2230	35	4	-	-	SYM
ejif-2230	35	5	2172	2172	NUM
ejif-2230	35	6	2	2	NUM
ejif-2230	35	7	though	though	SCONJ
ejif-2230	35	8	there	there	PRON
ejif-2230	35	9	are	be	VERB
ejif-2230	35	10	elements	element	NOUN
ejif-2230	35	11	of	of	ADP
ejif-2230	35	12	‘	'	PUNCT
ejif-2230	35	13	diminishing	diminish	VERB
ejif-2230	35	14	’	'	PUNCT
ejif-2230	35	15	aspect	aspect	NOUN
ejif-2230	35	16	to	to	PART
ejif-2230	35	17	allow	allow	VERB
ejif-2230	35	18	venture	venture	NOUN
ejif-2230	35	19	capitalist	capitalist	NOUN
ejif-2230	35	20	to	to	PART
ejif-2230	35	21	acquire	acquire	VERB
ejif-2230	35	22	the	the	DET
ejif-2230	35	23	business	business	NOUN
ejif-2230	35	24	profits	profit	NOUN
ejif-2230	35	25	.	.	PUNCT
ejif-2230	36	1	the	the	DET
ejif-2230	36	2	following	follow	VERB
ejif-2230	36	3	diagram	diagram	NOUN
ejif-2230	36	4	summarizes	summarize	VERB
ejif-2230	36	5	the	the	DET
ejif-2230	36	6	components	component	NOUN
ejif-2230	36	7	of	of	ADP
ejif-2230	36	8	mm	mm	NOUN
ejif-2230	36	9	:	:	PUNCT
ejif-2230	36	10	figure	figure	NOUN
ejif-2230	36	11	1.1	1.1	NUM
ejif-2230	36	12	musharakah	musharakah	PROPN
ejif-2230	36	13	mutanaqisah	mutanaqisah	NOUN
ejif-2230	36	14	contract	contract	NOUN
ejif-2230	36	15	scheme	scheme	PROPN
ejif-2230	36	16	b.	b.	PROPN
ejif-2230	36	17	objective	objective	NOUN
ejif-2230	36	18	of	of	ADP
ejif-2230	36	19	the	the	DET
ejif-2230	36	20	study	study	NOUN
ejif-2230	36	21	mm	mm	PROPN
ejif-2230	36	22	is	be	AUX
ejif-2230	36	23	a	a	DET
ejif-2230	36	24	product	product	NOUN
ejif-2230	36	25	approved	approve	VERB
ejif-2230	36	26	by	by	ADP
ejif-2230	36	27	bank	bank	PROPN
ejif-2230	36	28	negara	negara	PROPN
ejif-2230	36	29	malaysia	malaysia	PROPN
ejif-2230	36	30	.	.	PUNCT
ejif-2230	37	1	according	accord	VERB
ejif-2230	37	2	to	to	ADP
ejif-2230	37	3	bnm	bnm	PROPN
ejif-2230	37	4	(	(	PUNCT
ejif-2230	37	5	2010	2010	NUM
ejif-2230	37	6	)	)	PUNCT
ejif-2230	37	7	,	,	PUNCT
ejif-2230	37	8	shariah	shariah	PROPN
ejif-2230	37	9	advisory	advisory	PROPN
ejif-2230	37	10	committee	committee	PROPN
ejif-2230	37	11	56th	56th	ADJ
ejif-2230	37	12	meeting	meeting	NOUN
ejif-2230	37	13	resolved	resolve	VERB
ejif-2230	37	14	that	that	SCONJ
ejif-2230	37	15	musharakah	musharakah	PROPN
ejif-2230	37	16	mutanaqisah	mutanaqisah	NOUN
ejif-2230	37	17	is	be	AUX
ejif-2230	37	18	“	"	PUNCT
ejif-2230	37	19	collective	collective	ADJ
ejif-2230	37	20	usage	usage	NOUN
ejif-2230	37	21	of	of	ADP
ejif-2230	37	22	contracts	contract	NOUN
ejif-2230	37	23	of	of	ADP
ejif-2230	37	24	musharakah	musharakah	PROPN
ejif-2230	37	25	,	,	PUNCT
ejif-2230	37	26	ijarah	ijarah	PROPN
ejif-2230	37	27	,	,	PUNCT
ejif-2230	37	28	and	and	CCONJ
ejif-2230	37	29	sale	sale	NOUN
ejif-2230	37	30	in	in	ADP
ejif-2230	37	31	one	one	NUM
ejif-2230	37	32	document	document	NOUN
ejif-2230	37	33	of	of	ADP
ejif-2230	37	34	agreement	agreement	NOUN
ejif-2230	37	35	is	be	AUX
ejif-2230	37	36	permissible	permissible	ADJ
ejif-2230	37	37	as	as	ADV
ejif-2230	37	38	long	long	ADV
ejif-2230	37	39	as	as	SCONJ
ejif-2230	37	40	all	all	DET
ejif-2230	37	41	contracts	contract	NOUN
ejif-2230	37	42	are	be	AUX
ejif-2230	37	43	concluded	conclude	VERB
ejif-2230	37	44	separately	separately	ADV
ejif-2230	37	45	and	and	CCONJ
ejif-2230	37	46	clearly	clearly	ADV
ejif-2230	37	47	”	"	PUNCT
ejif-2230	37	48	.	.	PUNCT
ejif-2230	38	1	the	the	DET
ejif-2230	38	2	resolution	resolution	NOUN
ejif-2230	38	3	considered	consider	VERB
ejif-2230	38	4	that	that	SCONJ
ejif-2230	38	5	“	"	PUNCT
ejif-2230	38	6	a	a	DET
ejif-2230	38	7	musharakah	musharakah	PROPN
ejif-2230	38	8	mutanaqisah	mutanaqisah	NOUN
ejif-2230	38	9	contract	contract	NOUN
ejif-2230	38	10	that	that	PRON
ejif-2230	38	11	uses	use	VERB
ejif-2230	38	12	both	both	DET
ejif-2230	38	13	musharakah	musharakah	PROPN
ejif-2230	38	14	and	and	CCONJ
ejif-2230	38	15	ijarah	ijarah	NOUN
ejif-2230	38	16	contracts	contract	NOUN
ejif-2230	38	17	is	be	AUX
ejif-2230	38	18	deemed	deem	VERB
ejif-2230	38	19	as	as	ADP
ejif-2230	38	20	one	one	NUM
ejif-2230	38	21	form	form	NOUN
ejif-2230	38	22	of	of	ADP
ejif-2230	38	23	contemporary	contemporary	ADJ
ejif-2230	38	24	contract	contract	NOUN
ejif-2230	38	25	(	(	PUNCT
ejif-2230	38	26	`	`	PUNCT
ejif-2230	38	27	uqud	uqud	PROPN
ejif-2230	38	28	mustajiddah	mustajiddah	PROPN
ejif-2230	38	29	)	)	PUNCT
ejif-2230	38	30	recognised	recognise	VERB
ejif-2230	38	31	by	by	ADP
ejif-2230	38	32	fiqh	fiqh	ADJ
ejif-2230	38	33	scholars	scholar	NOUN
ejif-2230	38	34	in	in	ADP
ejif-2230	38	35	order	order	NOUN
ejif-2230	38	36	to	to	PART
ejif-2230	38	37	fulfill	fulfill	VERB
ejif-2230	38	38	the	the	DET
ejif-2230	38	39	contemporary	contemporary	ADJ
ejif-2230	38	40	needs	need	NOUN
ejif-2230	38	41	of	of	ADP
ejif-2230	38	42	islamic	islamic	PROPN
ejif-2230	38	43	mu`amalah	mu`amalah	PROPN
ejif-2230	38	44	”	"	PUNCT
ejif-2230	38	45	.	.	PUNCT
ejif-2230	39	1	the	the	DET
ejif-2230	39	2	operational	operational	ADJ
ejif-2230	39	3	requirement	requirement	NOUN
ejif-2230	39	4	of	of	ADP
ejif-2230	39	5	mm	mm	PROPN
ejif-2230	39	6	is	be	AUX
ejif-2230	39	7	regulated	regulate	VERB
ejif-2230	39	8	under	under	ADP
ejif-2230	39	9	a	a	DET
ejif-2230	39	10	bnm	bnm	NOUN
ejif-2230	39	11	regulation	regulation	NOUN
ejif-2230	39	12	which	which	PRON
ejif-2230	39	13	issued	issue	VERB
ejif-2230	39	14	by	by	ADP
ejif-2230	39	15	bank	bank	PROPN
ejif-2230	39	16	negara	negara	PROPN
ejif-2230	39	17	malaysia	malaysia	PROPN
ejif-2230	39	18	.	.	PUNCT
ejif-2230	40	1	few	few	ADJ
ejif-2230	40	2	islamic	islamic	ADJ
ejif-2230	40	3	banks	bank	NOUN
ejif-2230	40	4	in	in	ADP
ejif-2230	40	5	malaysia	malaysia	PROPN
ejif-2230	40	6	adhere	adhere	VERB
ejif-2230	40	7	to	to	ADP
ejif-2230	40	8	mm	mm	NOUN
ejif-2230	40	9	product	product	NOUN
ejif-2230	40	10	especially	especially	ADV
ejif-2230	40	11	for	for	ADP
ejif-2230	40	12	home	home	NOUN
ejif-2230	40	13	financing	financing	NOUN
ejif-2230	40	14	(	(	PUNCT
ejif-2230	40	15	lung	lung	NOUN
ejif-2230	40	16	,	,	PUNCT
ejif-2230	40	17	2013	2013	NUM
ejif-2230	40	18	)	)	PUNCT
ejif-2230	40	19	.	.	PUNCT
ejif-2230	41	1	the	the	DET
ejif-2230	41	2	objective	objective	NOUN
ejif-2230	41	3	of	of	ADP
ejif-2230	41	4	this	this	DET
ejif-2230	41	5	study	study	NOUN
ejif-2230	41	6	is	be	AUX
ejif-2230	41	7	to	to	PART
ejif-2230	41	8	examine	examine	VERB
ejif-2230	41	9	the	the	DET
ejif-2230	41	10	regulation	regulation	NOUN
ejif-2230	41	11	of	of	ADP
ejif-2230	41	12	bnm	bnm	PROPN
ejif-2230	41	13	which	which	PRON
ejif-2230	41	14	is	be	AUX
ejif-2230	41	15	represented	represent	VERB
ejif-2230	41	16	by	by	ADP
ejif-2230	41	17	shariah	shariah	PROPN
ejif-2230	41	18	standard	standard	PROPN
ejif-2230	41	19	and	and	CCONJ
ejif-2230	41	20	exposure	exposure	NOUN
ejif-2230	41	21	draft	draft	NOUN
ejif-2230	41	22	in	in	ADP
ejif-2230	41	23	comparison	comparison	NOUN
ejif-2230	41	24	with	with	ADP
ejif-2230	41	25	mm	mm	NOUN
ejif-2230	41	26	which	which	PRON
ejif-2230	41	27	are	be	AUX
ejif-2230	41	28	actually	actually	ADV
ejif-2230	41	29	been	be	AUX
ejif-2230	41	30	practiced	practice	VERB
ejif-2230	41	31	by	by	ADP
ejif-2230	41	32	the	the	DET
ejif-2230	41	33	islamic	islamic	ADJ
ejif-2230	41	34	banks	bank	NOUN
ejif-2230	41	35	in	in	ADP
ejif-2230	41	36	malaysia	malaysia	PROPN
ejif-2230	41	37	.	.	PUNCT
ejif-2230	42	1	besides	besides	SCONJ
ejif-2230	42	2	that	that	PRON
ejif-2230	42	3	,	,	PUNCT
ejif-2230	42	4	it	it	PRON
ejif-2230	42	5	also	also	ADV
ejif-2230	42	6	to	to	PART
ejif-2230	42	7	find	find	VERB
ejif-2230	42	8	the	the	DET
ejif-2230	42	9	gap	gap	NOUN
ejif-2230	42	10	between	between	ADP
ejif-2230	42	11	bnm	bnm	PROPN
ejif-2230	42	12	regulation	regulation	NOUN
ejif-2230	42	13	and	and	CCONJ
ejif-2230	42	14	the	the	DET
ejif-2230	42	15	practices	practice	NOUN
ejif-2230	42	16	.	.	PUNCT
ejif-2230	43	1	c.	c.	PROPN
ejif-2230	43	2	research	research	PROPN
ejif-2230	43	3	method	method	NOUN
ejif-2230	43	4	and	and	CCONJ
ejif-2230	43	5	scope	scope	NOUN
ejif-2230	43	6	according	accord	VERB
ejif-2230	43	7	to	to	ADP
ejif-2230	43	8	the	the	DET
ejif-2230	43	9	research	research	NOUN
ejif-2230	43	10	carried	carry	VERB
ejif-2230	43	11	out	out	ADP
ejif-2230	43	12	by	by	ADP
ejif-2230	43	13	lung	lung	PROPN
ejif-2230	43	14	(	(	PUNCT
ejif-2230	43	15	2013	2013	NUM
ejif-2230	43	16	)	)	PUNCT
ejif-2230	43	17	,	,	PUNCT
ejif-2230	43	18	there	there	PRON
ejif-2230	43	19	are	be	VERB
ejif-2230	43	20	only	only	ADV
ejif-2230	43	21	six	six	NUM
ejif-2230	43	22	banks	bank	NOUN
ejif-2230	43	23	having	have	VERB
ejif-2230	43	24	mm	mm	NUM
ejif-2230	43	25	concept	concept	NOUN
ejif-2230	43	26	for	for	ADP
ejif-2230	43	27	home	home	NOUN
ejif-2230	43	28	financing	financing	NOUN
ejif-2230	43	29	.	.	PUNCT
ejif-2230	44	1	maybank	maybank	PROPN
ejif-2230	44	2	islamic	islamic	PROPN
ejif-2230	44	3	and	and	CCONJ
ejif-2230	44	4	rhb	rhb	PROPN
ejif-2230	44	5	islamic	islamic	PROPN
ejif-2230	44	6	as	as	ADP
ejif-2230	44	7	the	the	DET
ejif-2230	44	8	representative	representative	NOUN
ejif-2230	44	9	for	for	ADP
ejif-2230	44	10	the	the	DET
ejif-2230	44	11	local	local	ADJ
ejif-2230	44	12	banks	bank	NOUN
ejif-2230	44	13	and	and	CCONJ
ejif-2230	44	14	asian	asian	ADJ
ejif-2230	44	15	finance	finance	PROPN
ejif-2230	44	16	bank	bank	PROPN
ejif-2230	44	17	,	,	PUNCT
ejif-2230	44	18	hsbc	hsbc	PROPN
ejif-2230	44	19	amanah	amanah	PROPN
ejif-2230	44	20	malaysia	malaysia	PROPN
ejif-2230	44	21	,	,	PUNCT
ejif-2230	44	22	kuwait	kuwait	PROPN
ejif-2230	44	23	finance	finance	PROPN
ejif-2230	44	24	house	house	PROPN
ejif-2230	44	25	,	,	PUNCT
ejif-2230	44	26	ocbc	ocbc	PROPN
ejif-2230	44	27	al	al	PROPN
ejif-2230	44	28	-	-	PROPN
ejif-2230	44	29	amin	amin	PROPN
ejif-2230	44	30	bank	bank	PROPN
ejif-2230	44	31	,	,	PUNCT
ejif-2230	44	32	and	and	CCONJ
ejif-2230	44	33	standard	standard	ADJ
ejif-2230	44	34	chartered	chartered	ADJ
ejif-2230	44	35	saadiq	saadiq	PROPN
ejif-2230	44	36	as	as	ADP
ejif-2230	44	37	the	the	DET
ejif-2230	44	38	representative	representative	NOUN
ejif-2230	44	39	of	of	ADP
ejif-2230	44	40	foreign	foreign	ADJ
ejif-2230	44	41	banks	bank	NOUN
ejif-2230	44	42	.	.	PUNCT
ejif-2230	45	1	table	table	NOUN
ejif-2230	45	2	1.1.lists	1.1.lists	PROPN
ejif-2230	45	3	of	of	ADP
ejif-2230	45	4	bank	bank	NOUN
ejif-2230	45	5	in	in	ADP
ejif-2230	45	6	malaysia	malaysia	PROPN
ejif-2230	45	7	implemented	implement	VERB
ejif-2230	45	8	musharakah	musharakah	PROPN
ejif-2230	45	9	mutanaqisah	mutanaqisah	PROPN
ejif-2230	45	10	bank	bank	PROPN
ejif-2230	45	11	home	home	NOUN
ejif-2230	45	12	financing	financing	NOUN
ejif-2230	45	13	products	product	NOUN
ejif-2230	45	14	name	name	VERB
ejif-2230	45	15	sharia	sharia	PROPN
ejif-2230	45	16	concept	concept	PROPN
ejif-2230	45	17	local	local	PROPN
ejif-2230	45	18	bank	bank	PROPN
ejif-2230	45	19	maybank	maybank	PROPN
ejif-2230	45	20	islamic	islamic	PROPN
ejif-2230	45	21	bank	bank	PROPN
ejif-2230	46	1	home	home	PROPN
ejif-2230	46	2	equity	equity	PROPN
ejif-2230	46	3	-	-	PUNCT
ejif-2230	46	4	i	i	PROPN
ejif-2230	46	5	mmp	mmp	PROPN
ejif-2230	46	6	rhb	rhb	PROPN
ejif-2230	46	7	islamic	islamic	PROPN
ejif-2230	46	8	bank	bank	PROPN
ejif-2230	46	9	equity	equity	PROPN
ejif-2230	46	10	home	home	PROPN
ejif-2230	46	11	fin.-i	fin.-i	PROPN
ejif-2230	46	12	mmp	mmp	PROPN
ejif-2230	46	13	foreign	foreign	PROPN
ejif-2230	46	14	bank	bank	PROPN
ejif-2230	46	15	asian	asian	PROPN
ejif-2230	46	16	finance	finance	PROPN
ejif-2230	46	17	bank	bank	PROPN
ejif-2230	46	18	(	(	PUNCT
ejif-2230	46	19	min	min	NOUN
ejif-2230	46	20	fin	fin	NOUN
ejif-2230	46	21	amount	amount	NOUN
ejif-2230	46	22	rm500k	rm500k	NOUN
ejif-2230	46	23	)	)	PUNCT
ejif-2230	46	24	home	home	NOUN
ejif-2230	46	25	fin.-i	fin.-i	PROPN
ejif-2230	46	26	mmp	mmp	PROPN
ejif-2230	46	27	hsbc	hsbc	PROPN
ejif-2230	46	28	amanah	amanah	PROPN
ejif-2230	46	29	malaysia	malaysia	PROPN
ejif-2230	46	30	home	home	PROPN
ejif-2230	46	31	smart	smart	ADJ
ejif-2230	46	32	-	-	PUNCT
ejif-2230	46	33	i	i	PROPN
ejif-2230	46	34	mmp	mmp	PROPN
ejif-2230	46	35	kuwait	kuwait	PROPN
ejif-2230	46	36	finance	finance	PROPN
ejif-2230	46	37	house	house	PROPN
ejif-2230	46	38	mm	mm	PROPN
ejif-2230	46	39	home	home	ADV
ejif-2230	47	1	fin.-i	fin.-i	PRON
ejif-2230	47	2	mmp	mmp	PROPN
ejif-2230	47	3	ocbc	ocbc	PROPN
ejif-2230	47	4	al	al	PROPN
ejif-2230	47	5	-	-	PROPN
ejif-2230	47	6	amin	amin	PROPN
ejif-2230	47	7	bank	bank	PROPN
ejif-2230	47	8	manarat	manarat	PROPN
ejif-2230	47	9	home	home	PROPN
ejif-2230	47	10	-	-	PUNCT
ejif-2230	47	11	i	i	PROPN
ejif-2230	47	12	mmp	mmp	PROPN
ejif-2230	47	13	standard	standard	PROPN
ejif-2230	47	14	chartered	chartered	PROPN
ejif-2230	47	15	saadiq	saadiq	PROPN
ejif-2230	47	16	saadiq	saadiq	PROPN
ejif-2230	47	17	my	my	PRON
ejif-2230	47	18	home	home	NOUN
ejif-2230	47	19	-	-	PUNCT
ejif-2230	47	20	i	i	PROPN
ejif-2230	47	21	mmp	mmp	PROPN
ejif-2230	47	22	source	source	PROPN
ejif-2230	47	23	:	:	PUNCT
ejif-2230	47	24	lung	lung	PROPN
ejif-2230	47	25	(	(	PUNCT
ejif-2230	47	26	2013	2013	NUM
ejif-2230	47	27	)	)	PUNCT
ejif-2230	47	28	this	this	DET
ejif-2230	47	29	study	study	NOUN
ejif-2230	47	30	examined	examine	VERB
ejif-2230	47	31	maybank	maybank	PROPN
ejif-2230	47	32	islamic	islamic	PROPN
ejif-2230	47	33	and	and	CCONJ
ejif-2230	47	34	hsbc	hsbc	PROPN
ejif-2230	47	35	amanah	amanah	PROPN
ejif-2230	47	36	respectively	respectively	ADV
ejif-2230	47	37	to	to	PART
ejif-2230	47	38	represent	represent	VERB
ejif-2230	47	39	the	the	DET
ejif-2230	47	40	local	local	ADJ
ejif-2230	47	41	bank	bank	NOUN
ejif-2230	47	42	and	and	CCONJ
ejif-2230	47	43	foreign	foreign	ADJ
ejif-2230	47	44	bank	bank	NOUN
ejif-2230	47	45	.	.	PUNCT
ejif-2230	48	1	likewise	likewise	ADV
ejif-2230	48	2	,	,	PUNCT
ejif-2230	48	3	this	this	DET
ejif-2230	48	4	study	study	NOUN
ejif-2230	48	5	focus	focus	VERB
ejif-2230	48	6	on	on	ADP
ejif-2230	48	7	the	the	DET
ejif-2230	48	8	practice	practice	NOUN
ejif-2230	48	9	of	of	ADP
ejif-2230	48	10	mm	mm	PROPN
ejif-2230	48	11	for	for	ADP
ejif-2230	48	12	completed	complete	VERB
ejif-2230	48	13	asset	asset	NOUN
ejif-2230	48	14	.	.	PUNCT
ejif-2230	49	1	the	the	DET
ejif-2230	49	2	method	method	NOUN
ejif-2230	49	3	adopted	adopt	VERB
ejif-2230	49	4	in	in	ADP
ejif-2230	49	5	this	this	DET
ejif-2230	49	6	analysis	analysis	NOUN
ejif-2230	49	7	is	be	AUX
ejif-2230	49	8	qualitative	qualitative	VERB
ejif-2230	49	9	based	base	VERB
ejif-2230	49	10	on	on	ADP
ejif-2230	49	11	the	the	DET
ejif-2230	49	12	library	library	NOUN
ejif-2230	49	13	research	research	NOUN
ejif-2230	49	14	.	.	PUNCT
ejif-2230	50	1	the	the	DET
ejif-2230	50	2	primary	primary	ADJ
ejif-2230	50	3	resources	resource	NOUN
ejif-2230	50	4	come	come	VERB
ejif-2230	50	5	from	from	ADP
ejif-2230	50	6	bnm	bnm	PROPN
ejif-2230	50	7	regulations	regulation	NOUN
ejif-2230	50	8	,	,	PUNCT
ejif-2230	50	9	bnm	bnm	PROPN
ejif-2230	50	10	guidance	guidance	NOUN
ejif-2230	50	11	,	,	PUNCT
ejif-2230	50	12	concept	concept	NOUN
ejif-2230	50	13	paper	paper	NOUN
ejif-2230	50	14	and	and	CCONJ
ejif-2230	50	15	product	product	NOUN
ejif-2230	50	16	disclosure	disclosure	NOUN
ejif-2230	50	17	sheets	sheet	NOUN
ejif-2230	50	18	on	on	ADP
ejif-2230	50	19	the	the	DET
ejif-2230	50	20	respective	respective	ADJ
ejif-2230	50	21	banks	bank	NOUN
ejif-2230	50	22	.	.	PUNCT
ejif-2230	51	1	the	the	DET
ejif-2230	51	2	secondary	secondary	ADJ
ejif-2230	51	3	resources	resource	NOUN
ejif-2230	51	4	come	come	VERB
ejif-2230	51	5	from	from	ADP
ejif-2230	51	6	research	research	NOUN
ejif-2230	51	7	articles	article	NOUN
ejif-2230	51	8	.	.	PUNCT
ejif-2230	52	1	on	on	ADP
ejif-2230	52	2	the	the	DET
ejif-2230	52	3	next	next	ADJ
ejif-2230	52	4	section	section	NOUN
ejif-2230	52	5	,	,	PUNCT
ejif-2230	52	6	it	it	PRON
ejif-2230	52	7	reviews	review	VERB
ejif-2230	52	8	the	the	DET
ejif-2230	52	9	literature	literature	NOUN
ejif-2230	52	10	which	which	PRON
ejif-2230	52	11	consists	consist	VERB
ejif-2230	52	12	of	of	ADP
ejif-2230	52	13	musharakah	musharakah	PROPN
ejif-2230	52	14	mutanaqisah	mutanaqisah	NOUN
ejif-2230	52	15	concept	concept	NOUN
ejif-2230	52	16	,	,	PUNCT
ejif-2230	52	17	practical	practical	ADJ
ejif-2230	52	18	issues	issue	NOUN
ejif-2230	52	19	,	,	PUNCT
ejif-2230	52	20	and	and	CCONJ
ejif-2230	52	21	bnm	bnm	PROPN
ejif-2230	52	22	regulation	regulation	NOUN
ejif-2230	52	23	.	.	PUNCT
ejif-2230	53	1	ii	ii	PROPN
ejif-2230	53	2	.	.	PUNCT
ejif-2230	54	1	literature	literature	PROPN
ejif-2230	54	2	review	review	PROPN
ejif-2230	54	3	a.	a.	NOUN
ejif-2230	54	4	musharakah	musharakah	PROPN
ejif-2230	54	5	mutanaqisah	mutanaqisah	PROPN
ejif-2230	54	6	concept	concept	NOUN
ejif-2230	54	7	musharakah	musharakah	PROPN
ejif-2230	54	8	mutanaqisah	mutanaqisah	PROPN
ejif-2230	54	9	(	(	PUNCT
ejif-2230	54	10	mm	mm	INTJ
ejif-2230	54	11	)	)	PUNCT
ejif-2230	54	12	is	be	AUX
ejif-2230	54	13	normally	normally	ADV
ejif-2230	54	14	utilized	utilize	VERB
ejif-2230	54	15	for	for	ADP
ejif-2230	54	16	financing	finance	VERB
ejif-2230	54	17	the	the	DET
ejif-2230	54	18	asset	asset	NOUN
ejif-2230	54	19	acquisition	acquisition	NOUN
ejif-2230	54	20	.	.	PUNCT
ejif-2230	55	1	according	accord	VERB
ejif-2230	55	2	to	to	ADP
ejif-2230	55	3	usmani	usmani	PROPN
ejif-2230	55	4	(	(	PUNCT
ejif-2230	55	5	2004	2004	NUM
ejif-2230	55	6	)	)	PUNCT
ejif-2230	55	7	,	,	PUNCT
ejif-2230	55	8	mm	mm	PROPN
ejif-2230	55	9	is	be	AUX
ejif-2230	55	10	established	establish	VERB
ejif-2230	55	11	by	by	ADP
ejif-2230	55	12	having	have	VERB
ejif-2230	55	13	joint	joint	ADJ
ejif-2230	55	14	ownership	ownership	NOUN
ejif-2230	55	15	in	in	ADP
ejif-2230	55	16	the	the	DET
ejif-2230	55	17	property	property	NOUN
ejif-2230	55	18	(	(	PUNCT
ejif-2230	55	19	shirkat	shirkat	NOUN
ejif-2230	55	20	al	al	PROPN
ejif-2230	55	21	milk	milk	PROPN
ejif-2230	55	22	)	)	PUNCT
ejif-2230	55	23	.	.	PUNCT
ejif-2230	56	1	for	for	ADP
ejif-2230	56	2	utilization	utilization	NOUN
ejif-2230	56	3	of	of	ADP
ejif-2230	56	4	the	the	DET
ejif-2230	56	5	property	property	NOUN
ejif-2230	56	6	,	,	PUNCT
ejif-2230	56	7	the	the	DET
ejif-2230	56	8	customer	customer	NOUN
ejif-2230	56	9	leases	lease	VERB
ejif-2230	56	10	the	the	DET
ejif-2230	56	11	asset	asset	NOUN
ejif-2230	56	12	and	and	CCONJ
ejif-2230	56	13	subsequently	subsequently	ADV
ejif-2230	56	14	pays	pay	VERB
ejif-2230	56	15	the	the	DET
ejif-2230	56	16	rental	rental	NOUN
ejif-2230	56	17	to	to	ADP
ejif-2230	56	18	the	the	DET
ejif-2230	56	19	bank	bank	NOUN
ejif-2230	56	20	.	.	PUNCT
ejif-2230	57	1	afterwards	afterwards	ADV
ejif-2230	57	2	,	,	PUNCT
ejif-2230	57	3	customer	customer	NOUN
ejif-2230	57	4	promises	promise	VERB
ejif-2230	57	5	to	to	ADP
ejif-2230	57	6	the	the	DET
ejif-2230	57	7	bank	bank	NOUN
ejif-2230	57	8	that	that	PRON
ejif-2230	57	9	the	the	DET
ejif-2230	57	10	customer	customer	NOUN
ejif-2230	57	11	will	will	AUX
ejif-2230	57	12	reduce	reduce	VERB
ejif-2230	57	13	bank	bank	NOUN
ejif-2230	57	14	’s	’s	PART
ejif-2230	57	15	unit	unit	NOUN
ejif-2230	57	16	share	share	NOUN
ejif-2230	57	17	by	by	ADP
ejif-2230	57	18	purchasing	purchase	VERB
ejif-2230	57	19	the	the	DET
ejif-2230	57	20	bank	bank	NOUN
ejif-2230	57	21	’s	’s	PART
ejif-2230	57	22	portion	portion	NOUN
ejif-2230	57	23	.	.	PUNCT
ejif-2230	58	1	at	at	ADP
ejif-2230	58	2	the	the	DET
ejif-2230	58	3	end	end	NOUN
ejif-2230	58	4	time	time	NOUN
ejif-2230	58	5	,	,	PUNCT
ejif-2230	58	6	customer	customer	NOUN
ejif-2230	58	7	will	will	AUX
ejif-2230	58	8	be	be	AUX
ejif-2230	58	9	the	the	DET
ejif-2230	58	10	sole	sole	ADJ
ejif-2230	58	11	owner	owner	NOUN
ejif-2230	58	12	of	of	ADP
ejif-2230	58	13	the	the	DET
ejif-2230	58	14	asset	asset	NOUN
ejif-2230	58	15	.	.	PUNCT
ejif-2230	59	1	according	accord	VERB
ejif-2230	59	2	to	to	ADP
ejif-2230	59	3	bnm	bnm	PROPN
ejif-2230	59	4	(	(	PUNCT
ejif-2230	59	5	2010	2010	NUM
ejif-2230	59	6	)	)	PUNCT
ejif-2230	59	7	,	,	PUNCT
ejif-2230	59	8	shariah	shariah	PROPN
ejif-2230	59	9	advisory	advisory	PROPN
ejif-2230	59	10	committee	committee	PROPN
ejif-2230	59	11	56th	56th	ADJ
ejif-2230	59	12	meeting	meeting	NOUN
ejif-2230	59	13	resolved	resolve	VERB
ejif-2230	59	14	that	that	DET
ejif-2230	59	15	collective	collective	ADJ
ejif-2230	59	16	contracts	contract	NOUN
ejif-2230	59	17	which	which	PRON
ejif-2230	59	18	comprise	comprise	VERB
ejif-2230	59	19	of	of	ADP
ejif-2230	59	20	musharakah	musharakah	PROPN
ejif-2230	59	21	,	,	PUNCT
ejif-2230	59	22	ijarah	ijarah	PROPN
ejif-2230	59	23	,	,	PUNCT
ejif-2230	59	24	and	and	CCONJ
ejif-2230	59	25	sale	sale	NOUN
ejif-2230	59	26	are	be	AUX
ejif-2230	59	27	allowed	allow	VERB
ejif-2230	59	28	as	as	ADV
ejif-2230	59	29	long	long	ADV
ejif-2230	59	30	as	as	SCONJ
ejif-2230	59	31	they	they	PRON
ejif-2230	59	32	are	be	AUX
ejif-2230	59	33	concluded	conclude	VERB
ejif-2230	59	34	separately	separately	ADV
ejif-2230	59	35	and	and	CCONJ
ejif-2230	59	36	clearly	clearly	ADV
ejif-2230	59	37	.	.	PUNCT
ejif-2230	60	1	the	the	DET
ejif-2230	60	2	musharakah	musharakah	PROPN
ejif-2230	60	3	mutanaqisah	mutanaqisah	NOUN
ejif-2230	60	4	model	model	NOUN
ejif-2230	60	5	can	can	AUX
ejif-2230	60	6	be	be	AUX
ejif-2230	60	7	executed	execute	VERB
ejif-2230	60	8	for	for	ADP
ejif-2230	60	9	different	different	ADJ
ejif-2230	60	10	kind	kind	NOUN
ejif-2230	60	11	of	of	ADP
ejif-2230	60	12	usages	usage	NOUN
ejif-2230	60	13	.	.	PUNCT
ejif-2230	61	1	however	however	ADV
ejif-2230	61	2	,	,	PUNCT
ejif-2230	61	3	most	most	ADJ
ejif-2230	61	4	of	of	ADP
ejif-2230	61	5	banks	bank	NOUN
ejif-2230	61	6	use	use	VERB
ejif-2230	61	7	this	this	DET
ejif-2230	61	8	model	model	NOUN
ejif-2230	61	9	for	for	ADP
ejif-2230	61	10	home	home	NOUN
ejif-2230	61	11	financing	financing	NOUN
ejif-2230	61	12	purposes	purpose	NOUN
ejif-2230	61	13	.	.	PUNCT
ejif-2230	62	1	musharakah	musharakah	PROPN
ejif-2230	62	2	mutanaqisah	mutanaqisah	PROPN
ejif-2230	62	3	scheme	scheme	NOUN
ejif-2230	62	4	for	for	ADP
ejif-2230	62	5	home	home	NOUN
ejif-2230	62	6	financing	financing	NOUN
ejif-2230	62	7	may	may	AUX
ejif-2230	62	8	be	be	AUX
ejif-2230	62	9	structured	structure	VERB
ejif-2230	62	10	as	as	SCONJ
ejif-2230	62	11	follows	follow	VERB
ejif-2230	62	12	:	:	PUNCT
ejif-2230	63	1	ejif	ejif	PROPN
ejif-2230	63	2	–	–	PUNCT
ejif-2230	63	3	european	european	PROPN
ejif-2230	63	4	journal	journal	PROPN
ejif-2230	63	5	of	of	ADP
ejif-2230	63	6	islamic	islamic	PROPN
ejif-2230	63	7	finance	finance	PROPN
ejif-2230	63	8	no8	no8	PROPN
ejif-2230	63	9	,	,	PUNCT
ejif-2230	63	10	december	december	PROPN
ejif-2230	63	11	(	(	PUNCT
ejif-2230	63	12	2017	2017	NUM
ejif-2230	63	13	)	)	PUNCT
ejif-2230	64	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	64	2	issn	issn	VERB
ejif-2230	64	3	2421	2421	NUM
ejif-2230	64	4	-	-	SYM
ejif-2230	64	5	2172	2172	NUM
ejif-2230	64	6	3	3	NUM
ejif-2230	64	7	figure	figure	NOUN
ejif-2230	64	8	2.1	2.1	NUM
ejif-2230	64	9	musharakah	musharakah	PROPN
ejif-2230	64	10	mutanaqisah	mutanaqisah	PROPN
ejif-2230	64	11	model	model	NOUN
ejif-2230	64	12	source	source	NOUN
ejif-2230	64	13	:	:	PUNCT
ejif-2230	64	14	isra	isra	PROPN
ejif-2230	64	15	(	(	PUNCT
ejif-2230	64	16	2010	2010	NUM
ejif-2230	64	17	):	):	PUNCT
ejif-2230	64	18	bulletin	bulletin	NOUN
ejif-2230	64	19	managing	managing	NOUN
ejif-2230	64	20	default	default	NOUN
ejif-2230	64	21	in	in	ADP
ejif-2230	64	22	musharakah	musharakah	PROPN
ejif-2230	64	23	mutanaqisah	mutanaqisah	VERB
ejif-2230	64	24	the	the	DET
ejif-2230	64	25	steps	step	NOUN
ejif-2230	64	26	of	of	ADP
ejif-2230	64	27	mm	mm	NUM
ejif-2230	64	28	start	start	NOUN
ejif-2230	64	29	,	,	PUNCT
ejif-2230	64	30	firstly	firstly	ADV
ejif-2230	64	31	,	,	PUNCT
ejif-2230	64	32	with	with	ADP
ejif-2230	64	33	the	the	DET
ejif-2230	64	34	customer	customer	NOUN
ejif-2230	64	35	by	by	ADP
ejif-2230	64	36	choosing	choose	VERB
ejif-2230	64	37	house	house	NOUN
ejif-2230	64	38	and	and	CCONJ
ejif-2230	64	39	apply	apply	VERB
ejif-2230	64	40	for	for	ADP
ejif-2230	64	41	financing	financing	NOUN
ejif-2230	64	42	to	to	ADP
ejif-2230	64	43	the	the	DET
ejif-2230	64	44	bank	bank	NOUN
ejif-2230	64	45	.	.	PUNCT
ejif-2230	65	1	secondly	secondly	ADV
ejif-2230	65	2	,	,	PUNCT
ejif-2230	65	3	bank	bank	NOUN
ejif-2230	65	4	considers	consider	VERB
ejif-2230	65	5	to	to	PART
ejif-2230	65	6	approve	approve	VERB
ejif-2230	65	7	or	or	CCONJ
ejif-2230	65	8	not	not	PART
ejif-2230	65	9	to	to	PART
ejif-2230	65	10	approve	approve	VERB
ejif-2230	65	11	the	the	DET
ejif-2230	65	12	customers	customer	NOUN
ejif-2230	65	13	’	'	PUNCT
ejif-2230	65	14	application	application	NOUN
ejif-2230	65	15	.	.	PUNCT
ejif-2230	66	1	once	once	ADV
ejif-2230	66	2	,	,	PUNCT
ejif-2230	66	3	it	it	PRON
ejif-2230	66	4	has	have	AUX
ejif-2230	66	5	been	be	AUX
ejif-2230	66	6	approved	approve	VERB
ejif-2230	66	7	by	by	ADP
ejif-2230	66	8	the	the	DET
ejif-2230	66	9	bank	bank	NOUN
ejif-2230	66	10	,	,	PUNCT
ejif-2230	66	11	bank	bank	NOUN
ejif-2230	66	12	and	and	CCONJ
ejif-2230	66	13	customer	customer	NOUN
ejif-2230	66	14	will	will	AUX
ejif-2230	66	15	incorporated	incorporate	VERB
ejif-2230	66	16	the	the	DET
ejif-2230	66	17	musharakah	musharakah	ADJ
ejif-2230	66	18	agreement	agreement	NOUN
ejif-2230	66	19	.	.	PUNCT
ejif-2230	67	1	thirdly	thirdly	ADV
ejif-2230	67	2	,	,	PUNCT
ejif-2230	67	3	customer	customer	NOUN
ejif-2230	67	4	leases	lease	VERB
ejif-2230	67	5	bank	bank	PROPN
ejif-2230	67	6	’s	’s	PART
ejif-2230	67	7	portion	portion	NOUN
ejif-2230	67	8	for	for	ADP
ejif-2230	67	9	the	the	DET
ejif-2230	67	10	house	house	NOUN
ejif-2230	67	11	.	.	PUNCT
ejif-2230	68	1	fourthly	fourthly	ADV
ejif-2230	68	2	,	,	PUNCT
ejif-2230	68	3	monthly	monthly	ADJ
ejif-2230	68	4	payment	payment	NOUN
ejif-2230	68	5	must	must	AUX
ejif-2230	68	6	be	be	AUX
ejif-2230	68	7	paid	pay	VERB
ejif-2230	68	8	with	with	ADP
ejif-2230	68	9	along	along	ADP
ejif-2230	68	10	with	with	ADP
ejif-2230	68	11	the	the	DET
ejif-2230	68	12	rental	rental	ADJ
ejif-2230	68	13	payment	payment	NOUN
ejif-2230	68	14	in	in	ADP
ejif-2230	68	15	order	order	NOUN
ejif-2230	68	16	to	to	PART
ejif-2230	68	17	purchase	purchase	VERB
ejif-2230	68	18	the	the	DET
ejif-2230	68	19	bank	bank	NOUN
ejif-2230	68	20	’s	’s	PART
ejif-2230	68	21	share	share	NOUN
ejif-2230	68	22	.	.	PUNCT
ejif-2230	69	1	finally	finally	ADV
ejif-2230	69	2	,	,	PUNCT
ejif-2230	69	3	the	the	DET
ejif-2230	69	4	partnership	partnership	NOUN
ejif-2230	69	5	will	will	AUX
ejif-2230	69	6	be	be	AUX
ejif-2230	69	7	ended	end	VERB
ejif-2230	69	8	by	by	ADP
ejif-2230	69	9	the	the	DET
ejif-2230	69	10	customer	customer	NOUN
ejif-2230	69	11	owning	own	VERB
ejif-2230	69	12	100	100	NUM
ejif-2230	69	13	%	%	NOUN
ejif-2230	69	14	of	of	ADP
ejif-2230	69	15	the	the	DET
ejif-2230	69	16	house	house	NOUN
ejif-2230	69	17	and	and	CCONJ
ejif-2230	69	18	ownership	ownership	NOUN
ejif-2230	69	19	title	title	NOUN
ejif-2230	69	20	will	will	AUX
ejif-2230	69	21	be	be	AUX
ejif-2230	69	22	transferred	transfer	VERB
ejif-2230	69	23	to	to	ADP
ejif-2230	69	24	the	the	DET
ejif-2230	69	25	customer	customer	NOUN
ejif-2230	69	26	.	.	PUNCT
ejif-2230	70	1	b.	b.	PROPN
ejif-2230	70	2	practical	practical	ADJ
ejif-2230	70	3	issues	issue	NOUN
ejif-2230	70	4	in	in	ADP
ejif-2230	70	5	practice	practice	NOUN
ejif-2230	70	6	,	,	PUNCT
ejif-2230	70	7	according	accord	VERB
ejif-2230	70	8	to	to	ADP
ejif-2230	70	9	meera	meera	PROPN
ejif-2230	70	10	and	and	CCONJ
ejif-2230	70	11	razak	razak	PROPN
ejif-2230	70	12	(	(	PUNCT
ejif-2230	70	13	2009	2009	NUM
ejif-2230	70	14	)	)	PUNCT
ejif-2230	70	15	,	,	PUNCT
ejif-2230	70	16	musharakah	musharakah	PROPN
ejif-2230	70	17	mutanaqisah	mutanaqisah	NOUN
ejif-2230	70	18	implementation	implementation	NOUN
ejif-2230	70	19	is	be	AUX
ejif-2230	70	20	not	not	PART
ejif-2230	70	21	exactly	exactly	ADV
ejif-2230	70	22	in	in	ADP
ejif-2230	70	23	line	line	NOUN
ejif-2230	70	24	with	with	ADP
ejif-2230	70	25	sharia	sharia	PROPN
ejif-2230	70	26	law	law	NOUN
ejif-2230	70	27	.	.	PUNCT
ejif-2230	71	1	several	several	ADJ
ejif-2230	71	2	practical	practical	ADJ
ejif-2230	71	3	issues	issue	NOUN
ejif-2230	71	4	arise	arise	VERB
ejif-2230	71	5	in	in	ADP
ejif-2230	71	6	the	the	DET
ejif-2230	71	7	mm	mm	PROPN
ejif-2230	71	8	implementation	implementation	NOUN
ejif-2230	71	9	specifically	specifically	ADV
ejif-2230	71	10	which	which	PRON
ejif-2230	71	11	influenced	influence	VERB
ejif-2230	71	12	the	the	DET
ejif-2230	71	13	changes	change	NOUN
ejif-2230	71	14	on	on	ADP
ejif-2230	71	15	the	the	DET
ejif-2230	71	16	rental	rental	ADJ
ejif-2230	71	17	rates	rate	NOUN
ejif-2230	71	18	,	,	PUNCT
ejif-2230	71	19	wa’ad	wa’ad	PROPN
ejif-2230	71	20	,	,	PUNCT
ejif-2230	71	21	defaults	default	NOUN
ejif-2230	71	22	,	,	PUNCT
ejif-2230	71	23	and	and	CCONJ
ejif-2230	71	24	early	early	ADJ
ejif-2230	71	25	termination	termination	NOUN
ejif-2230	71	26	of	of	ADP
ejif-2230	71	27	contract	contract	NOUN
ejif-2230	71	28	.	.	PUNCT
ejif-2230	72	1	1	1	NUM
ejif-2230	72	2	)	)	PUNCT
ejif-2230	72	3	rental	rental	NOUN
ejif-2230	72	4	rates	rate	NOUN
ejif-2230	72	5	the	the	DET
ejif-2230	72	6	rental	rental	ADJ
ejif-2230	72	7	issue	issue	NOUN
ejif-2230	72	8	is	be	AUX
ejif-2230	72	9	very	very	ADV
ejif-2230	72	10	important	important	ADJ
ejif-2230	72	11	as	as	SCONJ
ejif-2230	72	12	its	its	PRON
ejif-2230	72	13	utilization	utilization	NOUN
ejif-2230	72	14	in	in	ADP
ejif-2230	72	15	musharakah	musharakah	PROPN
ejif-2230	72	16	mutanaqisah	mutanaqisah	PROPN
ejif-2230	72	17	home	home	NOUN
ejif-2230	72	18	financing	financing	NOUN
ejif-2230	72	19	could	could	AUX
ejif-2230	72	20	replace	replace	VERB
ejif-2230	72	21	interest	interest	NOUN
ejif-2230	72	22	rate	rate	NOUN
ejif-2230	72	23	as	as	ADP
ejif-2230	72	24	a	a	DET
ejif-2230	72	25	benchmark	benchmark	NOUN
ejif-2230	72	26	.	.	PUNCT
ejif-2230	73	1	hashim	hashim	PROPN
ejif-2230	73	2	and	and	CCONJ
ejif-2230	73	3	hassan	hassan	PROPN
ejif-2230	73	4	(	(	PUNCT
ejif-2230	73	5	2015	2015	NUM
ejif-2230	73	6	)	)	PUNCT
ejif-2230	73	7	stated	state	VERB
ejif-2230	73	8	that	that	SCONJ
ejif-2230	73	9	the	the	DET
ejif-2230	73	10	current	current	ADJ
ejif-2230	73	11	practice	practice	NOUN
ejif-2230	73	12	to	to	PART
ejif-2230	73	13	determine	determine	VERB
ejif-2230	73	14	the	the	DET
ejif-2230	73	15	lease	lease	NOUN
ejif-2230	73	16	rental	rental	NOUN
ejif-2230	73	17	based	base	VERB
ejif-2230	73	18	on	on	ADP
ejif-2230	73	19	the	the	DET
ejif-2230	73	20	conventional	conventional	ADJ
ejif-2230	73	21	benchmark	benchmark	NOUN
ejif-2230	73	22	like	like	ADP
ejif-2230	73	23	klibor	klibor	PROPN
ejif-2230	73	24	and	and	CCONJ
ejif-2230	73	25	libor	libor	PROPN
ejif-2230	73	26	.	.	PUNCT
ejif-2230	74	1	besides	besides	ADV
ejif-2230	74	2	,	,	PUNCT
ejif-2230	74	3	it	it	PRON
ejif-2230	74	4	can	can	AUX
ejif-2230	74	5	also	also	ADV
ejif-2230	74	6	use	use	VERB
ejif-2230	74	7	market	market	NOUN
ejif-2230	74	8	price	price	NOUN
ejif-2230	74	9	by	by	ADP
ejif-2230	74	10	inventing	invent	VERB
ejif-2230	74	11	the	the	DET
ejif-2230	74	12	market	market	NOUN
ejif-2230	74	13	price	price	NOUN
ejif-2230	74	14	which	which	PRON
ejif-2230	74	15	has	have	AUX
ejif-2230	74	16	been	be	AUX
ejif-2230	74	17	practiced	practice	VERB
ejif-2230	74	18	in	in	ADP
ejif-2230	74	19	us	we	PRON
ejif-2230	74	20	by	by	ADP
ejif-2230	74	21	lariba	lariba	PROPN
ejif-2230	74	22	.	.	PUNCT
ejif-2230	75	1	in	in	ADP
ejif-2230	75	2	agreement	agreement	NOUN
ejif-2230	75	3	with	with	ADP
ejif-2230	75	4	hashim	hashim	PROPN
ejif-2230	75	5	and	and	CCONJ
ejif-2230	75	6	hassan	hassan	PROPN
ejif-2230	75	7	(	(	PUNCT
ejif-2230	75	8	2015	2015	NUM
ejif-2230	75	9	)	)	PUNCT
ejif-2230	75	10	,	,	PUNCT
ejif-2230	75	11	taib	taib	PROPN
ejif-2230	75	12	et	et	PROPN
ejif-2230	75	13	al	al	PROPN
ejif-2230	75	14	(	(	PUNCT
ejif-2230	75	15	2008	2008	NUM
ejif-2230	75	16	)	)	PUNCT
ejif-2230	75	17	and	and	CCONJ
ejif-2230	75	18	smolo	smolo	NOUN
ejif-2230	75	19	and	and	CCONJ
ejif-2230	75	20	hassan	hassan	PROPN
ejif-2230	75	21	(	(	PUNCT
ejif-2230	75	22	2011	2011	NUM
ejif-2230	75	23	)	)	PUNCT
ejif-2230	75	24	stated	state	VERB
ejif-2230	75	25	that	that	SCONJ
ejif-2230	75	26	mm	mm	PROPN
ejif-2230	75	27	home	home	NOUN
ejif-2230	75	28	financing	financing	NOUN
ejif-2230	75	29	can	can	AUX
ejif-2230	75	30	solve	solve	VERB
ejif-2230	75	31	the	the	DET
ejif-2230	75	32	use	use	NOUN
ejif-2230	75	33	of	of	ADP
ejif-2230	75	34	interest	interest	NOUN
ejif-2230	75	35	rate	rate	NOUN
ejif-2230	75	36	as	as	ADP
ejif-2230	75	37	a	a	DET
ejif-2230	75	38	benchmark	benchmark	NOUN
ejif-2230	75	39	through	through	ADP
ejif-2230	75	40	the	the	DET
ejif-2230	75	41	utilization	utilization	NOUN
ejif-2230	75	42	of	of	ADP
ejif-2230	75	43	the	the	DET
ejif-2230	75	44	rental	rental	ADJ
ejif-2230	75	45	income	income	NOUN
ejif-2230	75	46	.	.	PUNCT
ejif-2230	76	1	those	those	DET
ejif-2230	76	2	scholars	scholar	NOUN
ejif-2230	76	3	opined	opine	VERB
ejif-2230	76	4	that	that	SCONJ
ejif-2230	76	5	benchmarking	benchmarke	VERB
ejif-2230	76	6	or	or	CCONJ
ejif-2230	76	7	setting	set	VERB
ejif-2230	76	8	the	the	DET
ejif-2230	76	9	rental	rental	ADJ
ejif-2230	76	10	level	level	NOUN
ejif-2230	76	11	with	with	ADP
ejif-2230	76	12	market	market	NOUN
ejif-2230	76	13	interest	interest	NOUN
ejif-2230	76	14	rates	rate	NOUN
ejif-2230	76	15	is	be	AUX
ejif-2230	76	16	not	not	PART
ejif-2230	76	17	by	by	ADP
ejif-2230	76	18	itself	itself	PRON
ejif-2230	76	19	prohibited	prohibit	VERB
ejif-2230	76	20	.	.	PUNCT
ejif-2230	77	1	however	however	ADV
ejif-2230	77	2	,	,	PUNCT
ejif-2230	77	3	certain	certain	ADJ
ejif-2230	77	4	conditions	condition	NOUN
ejif-2230	77	5	have	have	VERB
ejif-2230	77	6	to	to	PART
ejif-2230	77	7	be	be	AUX
ejif-2230	77	8	followed	follow	VERB
ejif-2230	77	9	such	such	ADJ
ejif-2230	77	10	as	as	ADP
ejif-2230	77	11	(	(	PUNCT
ejif-2230	77	12	i	i	NOUN
ejif-2230	77	13	)	)	PUNCT
ejif-2230	77	14	the	the	DET
ejif-2230	77	15	rental	rental	NOUN
ejif-2230	77	16	since	since	SCONJ
ejif-2230	77	17	the	the	DET
ejif-2230	77	18	first	first	ADJ
ejif-2230	77	19	period	period	NOUN
ejif-2230	77	20	of	of	ADP
ejif-2230	77	21	the	the	DET
ejif-2230	77	22	contract	contract	NOUN
ejif-2230	77	23	have	have	VERB
ejif-2230	77	24	to	to	PART
ejif-2230	77	25	be	be	AUX
ejif-2230	77	26	determined	determine	VERB
ejif-2230	77	27	(	(	PUNCT
ejif-2230	77	28	ii	ii	NOUN
ejif-2230	77	29	)	)	PUNCT
ejif-2230	77	30	subsequent	subsequent	ADJ
ejif-2230	77	31	periods	period	NOUN
ejif-2230	77	32	have	have	VERB
ejif-2230	77	33	to	to	PART
ejif-2230	77	34	be	be	AUX
ejif-2230	77	35	specified	specify	VERB
ejif-2230	77	36	to	to	ADP
ejif-2230	77	37	a	a	DET
ejif-2230	77	38	certain	certain	ADJ
ejif-2230	77	39	benchmark	benchmark	NOUN
ejif-2230	77	40	on	on	ADP
ejif-2230	77	41	condition	condition	NOUN
ejif-2230	77	42	which	which	PRON
ejif-2230	77	43	such	such	ADJ
ejif-2230	77	44	benchmark	benchmark	NOUN
ejif-2230	77	45	build	build	NOUN
ejif-2230	77	46	upon	upon	SCONJ
ejif-2230	77	47	a	a	DET
ejif-2230	77	48	clear	clear	ADJ
ejif-2230	77	49	formula	formula	NOUN
ejif-2230	77	50	.	.	PUNCT
ejif-2230	78	1	the	the	DET
ejif-2230	78	2	formula	formula	NOUN
ejif-2230	78	3	is	be	AUX
ejif-2230	78	4	not	not	PART
ejif-2230	78	5	subject	subject	ADJ
ejif-2230	78	6	to	to	ADP
ejif-2230	78	7	dispute	dispute	NOUN
ejif-2230	78	8	.	.	PUNCT
ejif-2230	79	1	in	in	ADP
ejif-2230	79	2	accordance	accordance	NOUN
ejif-2230	79	3	with	with	ADP
ejif-2230	79	4	abovementioned	abovementione	VERB
ejif-2230	79	5	,	,	PUNCT
ejif-2230	79	6	al	al	PROPN
ejif-2230	79	7	-	-	PUNCT
ejif-2230	79	8	baraka	baraka	PROPN
ejif-2230	79	9	fatwa	fatwa	PROPN
ejif-2230	79	10	on	on	ADP
ejif-2230	79	11	inceif	inceif	NOUN
ejif-2230	79	12	(	(	PUNCT
ejif-2230	79	13	2015	2015	NUM
ejif-2230	79	14	)	)	PUNCT
ejif-2230	79	15	stated	state	VERB
ejif-2230	79	16	related	relate	VERB
ejif-2230	79	17	to	to	ADP
ejif-2230	79	18	interest	interest	NOUN
ejif-2230	79	19	rate	rate	NOUN
ejif-2230	79	20	benchmarking	benchmarking	NOUN
ejif-2230	79	21	,	,	PUNCT
ejif-2230	79	22	“	"	PUNCT
ejif-2230	79	23	there	there	PRON
ejif-2230	79	24	is	be	VERB
ejif-2230	79	25	no	no	DET
ejif-2230	79	26	prohibition	prohibition	NOUN
ejif-2230	79	27	in	in	ADP
ejif-2230	79	28	relying	rely	VERB
ejif-2230	79	29	on	on	ADP
ejif-2230	79	30	the	the	DET
ejif-2230	79	31	interest	interest	NOUN
ejif-2230	79	32	rate	rate	NOUN
ejif-2230	79	33	benchmarking	benchmarke	VERB
ejif-2230	79	34	in	in	ADP
ejif-2230	79	35	pricing	price	VERB
ejif-2230	79	36	the	the	DET
ejif-2230	79	37	islamic	islamic	ADJ
ejif-2230	79	38	products	product	NOUN
ejif-2230	79	39	of	of	ADP
ejif-2230	79	40	which	which	PRON
ejif-2230	79	41	such	such	ADJ
ejif-2230	79	42	use	use	NOUN
ejif-2230	79	43	of	of	ADP
ejif-2230	79	44	benchmark	benchmark	NOUN
ejif-2230	79	45	does	do	AUX
ejif-2230	79	46	not	not	PART
ejif-2230	79	47	contradict	contradict	VERB
ejif-2230	79	48	the	the	DET
ejif-2230	79	49	products	product	NOUN
ejif-2230	79	50	’	'	PUNCT
ejif-2230	79	51	nature	nature	NOUN
ejif-2230	79	52	of	of	ADP
ejif-2230	79	53	conforming	conform	VERB
ejif-2230	79	54	to	to	ADP
ejif-2230	79	55	the	the	DET
ejif-2230	79	56	shariah	shariah	PROPN
ejif-2230	79	57	upon	upon	SCONJ
ejif-2230	79	58	its	its	PRON
ejif-2230	79	59	usage	usage	NOUN
ejif-2230	79	60	”	"	PUNCT
ejif-2230	79	61	.	.	PUNCT
ejif-2230	80	1	it	it	PRON
ejif-2230	80	2	means	mean	VERB
ejif-2230	80	3	that	that	SCONJ
ejif-2230	80	4	interest	interest	NOUN
ejif-2230	80	5	-	-	PUNCT
ejif-2230	80	6	rate	rate	NOUN
ejif-2230	80	7	benchmarking	benchmarking	NOUN
ejif-2230	80	8	is	be	AUX
ejif-2230	80	9	allowed	allow	VERB
ejif-2230	80	10	for	for	ADP
ejif-2230	80	11	the	the	DET
ejif-2230	80	12	financial	financial	ADJ
ejif-2230	80	13	instruments	instrument	NOUN
ejif-2230	80	14	which	which	PRON
ejif-2230	80	15	do	do	AUX
ejif-2230	80	16	not	not	PART
ejif-2230	80	17	engage	engage	VERB
ejif-2230	80	18	in	in	ADP
ejif-2230	80	19	qard	qard	NOUN
ejif-2230	80	20	.	.	PUNCT
ejif-2230	81	1	in	in	ADP
ejif-2230	81	2	addition	addition	NOUN
ejif-2230	81	3	,	,	PUNCT
ejif-2230	81	4	the	the	DET
ejif-2230	81	5	absence	absence	NOUN
ejif-2230	81	6	of	of	ADP
ejif-2230	81	7	representative	representative	ADJ
ejif-2230	81	8	islamic	islamic	ADJ
ejif-2230	81	9	financial	financial	ADJ
ejif-2230	81	10	benchmark	benchmark	NOUN
ejif-2230	81	11	as	as	ADP
ejif-2230	81	12	one	one	NUM
ejif-2230	81	13	strong	strong	ADJ
ejif-2230	81	14	reason	reason	NOUN
ejif-2230	81	15	.	.	PUNCT
ejif-2230	82	1	syekh	syekh	PROPN
ejif-2230	82	2	taqi	taqi	PROPN
ejif-2230	82	3	usmai	usmai	PROPN
ejif-2230	82	4	warn	warn	VERB
ejif-2230	82	5	that	that	SCONJ
ejif-2230	82	6	“	"	PUNCT
ejif-2230	82	7	it	it	PRON
ejif-2230	82	8	is	be	AUX
ejif-2230	82	9	however	however	ADV
ejif-2230	82	10	true	true	ADJ
ejif-2230	82	11	that	that	SCONJ
ejif-2230	82	12	the	the	DET
ejif-2230	82	13	islamic	islamic	ADJ
ejif-2230	82	14	banks	bank	NOUN
ejif-2230	82	15	and	and	CCONJ
ejif-2230	82	16	financial	financial	ADJ
ejif-2230	82	17	institutions	institution	NOUN
ejif-2230	82	18	should	should	AUX
ejif-2230	82	19	get	get	AUX
ejif-2230	82	20	rid	rid	VERB
ejif-2230	82	21	of	of	ADP
ejif-2230	82	22	this	this	DET
ejif-2230	82	23	practice	practice	NOUN
ejif-2230	82	24	as	as	ADV
ejif-2230	82	25	soon	soon	ADV
ejif-2230	82	26	as	as	ADP
ejif-2230	82	27	possible	possible	ADJ
ejif-2230	82	28	,	,	PUNCT
ejif-2230	82	29	because	because	SCONJ
ejif-2230	82	30	,	,	PUNCT
ejif-2230	82	31	firstly	firstly	ADV
ejif-2230	82	32	,	,	PUNCT
ejif-2230	82	33	it	it	PRON
ejif-2230	82	34	takes	take	VERB
ejif-2230	82	35	the	the	DET
ejif-2230	82	36	rate	rate	NOUN
ejif-2230	82	37	of	of	ADP
ejif-2230	82	38	interest	interest	NOUN
ejif-2230	82	39	as	as	ADP
ejif-2230	82	40	an	an	DET
ejif-2230	82	41	ideal	ideal	NOUN
ejif-2230	82	42	for	for	ADP
ejif-2230	82	43	a	a	DET
ejif-2230	82	44	halal	halal	NOUN
ejif-2230	82	45	business	business	NOUN
ejif-2230	82	46	which	which	PRON
ejif-2230	82	47	is	be	AUX
ejif-2230	82	48	not	not	PART
ejif-2230	82	49	desirable	desirable	ADJ
ejif-2230	82	50	,	,	PUNCT
ejif-2230	82	51	and	and	CCONJ
ejif-2230	82	52	secondly	secondly	ADV
ejif-2230	82	53	because	because	SCONJ
ejif-2230	82	54	it	it	PRON
ejif-2230	82	55	does	do	AUX
ejif-2230	82	56	not	not	PART
ejif-2230	82	57	advance	advance	VERB
ejif-2230	82	58	the	the	DET
ejif-2230	82	59	basic	basic	ADJ
ejif-2230	82	60	philosophy	philosophy	NOUN
ejif-2230	82	61	of	of	ADP
ejif-2230	82	62	islamic	islamic	ADJ
ejif-2230	82	63	economy	economy	NOUN
ejif-2230	82	64	having	have	VERB
ejif-2230	82	65	no	no	DET
ejif-2230	82	66	impact	impact	NOUN
ejif-2230	82	67	on	on	ADP
ejif-2230	82	68	the	the	DET
ejif-2230	82	69	system	system	NOUN
ejif-2230	82	70	of	of	ADP
ejif-2230	82	71	distribution	distribution	NOUN
ejif-2230	82	72	.	.	PUNCT
ejif-2230	83	1	therefore	therefore	ADV
ejif-2230	83	2	islamic	islamic	ADJ
ejif-2230	83	3	banks	bank	NOUN
ejif-2230	83	4	and	and	CCONJ
ejif-2230	83	5	financial	financial	ADJ
ejif-2230	83	6	institutions	institution	NOUN
ejif-2230	83	7	should	should	AUX
ejif-2230	83	8	strive	strive	VERB
ejif-2230	83	9	for	for	ADP
ejif-2230	83	10	developing	develop	VERB
ejif-2230	83	11	their	their	PRON
ejif-2230	83	12	own	own	ADJ
ejif-2230	83	13	benchmark	benchmark	NOUN
ejif-2230	83	14	”	"	PUNCT
ejif-2230	83	15	.	.	PUNCT
ejif-2230	84	1	2	2	X
ejif-2230	84	2	)	)	PUNCT
ejif-2230	84	3	wa’ad	wa’ad	PROPN
ejif-2230	84	4	application	application	NOUN
ejif-2230	84	5	and	and	CCONJ
ejif-2230	84	6	its	its	PRON
ejif-2230	84	7	implication	implication	NOUN
ejif-2230	84	8	wa’ad	wa’ad	NOUN
ejif-2230	84	9	with	with	ADP
ejif-2230	84	10	the	the	DET
ejif-2230	84	11	intended	intended	ADJ
ejif-2230	84	12	effect	effect	NOUN
ejif-2230	84	13	to	to	PART
ejif-2230	84	14	guarantee	guarantee	VERB
ejif-2230	84	15	the	the	DET
ejif-2230	84	16	payment	payment	NOUN
ejif-2230	84	17	for	for	ADP
ejif-2230	84	18	the	the	DET
ejif-2230	84	19	share	share	NOUN
ejif-2230	84	20	of	of	ADP
ejif-2230	84	21	the	the	DET
ejif-2230	84	22	other	other	ADJ
ejif-2230	84	23	partner	partner	NOUN
ejif-2230	84	24	raises	raise	VERB
ejif-2230	84	25	shariah	shariah	PROPN
ejif-2230	84	26	issue	issue	NOUN
ejif-2230	84	27	in	in	ADP
ejif-2230	84	28	mm	mm	PROPN
ejif-2230	84	29	.	.	PUNCT
ejif-2230	85	1	it	it	PRON
ejif-2230	85	2	is	be	AUX
ejif-2230	85	3	not	not	PART
ejif-2230	85	4	permitted	permit	VERB
ejif-2230	85	5	for	for	SCONJ
ejif-2230	85	6	one	one	NUM
ejif-2230	85	7	party	party	NOUN
ejif-2230	85	8	to	to	PART
ejif-2230	85	9	establish	establish	VERB
ejif-2230	85	10	wa’ad	wa’ad	NOUN
ejif-2230	85	11	to	to	PART
ejif-2230	85	12	purchase	purchase	VERB
ejif-2230	85	13	the	the	DET
ejif-2230	85	14	other	other	ADJ
ejif-2230	85	15	’s	’s	PART
ejif-2230	85	16	party	party	NOUN
ejif-2230	85	17	share	share	NOUN
ejif-2230	85	18	at	at	ADP
ejif-2230	85	19	the	the	DET
ejif-2230	85	20	value	value	NOUN
ejif-2230	85	21	of	of	ADP
ejif-2230	85	22	the	the	DET
ejif-2230	85	23	share	share	NOUN
ejif-2230	85	24	on	on	ADP
ejif-2230	85	25	the	the	DET
ejif-2230	85	26	day	day	NOUN
ejif-2230	85	27	of	of	ADP
ejif-2230	85	28	the	the	DET
ejif-2230	85	29	partnership	partnership	NOUN
ejif-2230	85	30	is	be	AUX
ejif-2230	85	31	created	create	VERB
ejif-2230	85	32	.	.	PUNCT
ejif-2230	86	1	the	the	DET
ejif-2230	86	2	reason	reason	NOUN
ejif-2230	86	3	stated	state	VERB
ejif-2230	86	4	that	that	SCONJ
ejif-2230	86	5	wa’ad	wa’ad	PROPN
ejif-2230	86	6	become	become	VERB
ejif-2230	86	7	a	a	DET
ejif-2230	86	8	guarantee	guarantee	NOUN
ejif-2230	86	9	to	to	ADP
ejif-2230	86	10	the	the	DET
ejif-2230	86	11	share	share	NOUN
ejif-2230	86	12	of	of	ADP
ejif-2230	86	13	the	the	DET
ejif-2230	86	14	partner	partner	NOUN
ejif-2230	86	15	.	.	PUNCT
ejif-2230	87	1	in	in	ADP
ejif-2230	87	2	mm	mm	PROPN
ejif-2230	87	3	,	,	PUNCT
ejif-2230	87	4	unilateral	unilateral	ADJ
ejif-2230	87	5	wa’ad	wa’ad	NOUN
ejif-2230	87	6	is	be	AUX
ejif-2230	87	7	utilized	utilize	VERB
ejif-2230	87	8	for	for	ADP
ejif-2230	87	9	from	from	ADP
ejif-2230	87	10	sides	side	NOUN
ejif-2230	87	11	of	of	ADP
ejif-2230	87	12	the	the	DET
ejif-2230	87	13	bank	bank	NOUN
ejif-2230	87	14	or	or	CCONJ
ejif-2230	87	15	customer	customer	NOUN
ejif-2230	87	16	.	.	PUNCT
ejif-2230	88	1	the	the	DET
ejif-2230	88	2	bank	bank	NOUN
ejif-2230	88	3	sells	sell	VERB
ejif-2230	88	4	its	its	PRON
ejif-2230	88	5	shares	share	NOUN
ejif-2230	88	6	on	on	ADP
ejif-2230	88	7	periodical	periodical	ADJ
ejif-2230	88	8	basis	basis	NOUN
ejif-2230	88	9	to	to	ADP
ejif-2230	88	10	the	the	DET
ejif-2230	88	11	customer	customer	NOUN
ejif-2230	88	12	or	or	CCONJ
ejif-2230	88	13	wa’ad	wa’ad	PROPN
ejif-2230	88	14	from	from	ADP
ejif-2230	88	15	the	the	DET
ejif-2230	88	16	customer	customer	NOUN
ejif-2230	88	17	to	to	PART
ejif-2230	88	18	purchase	purchase	VERB
ejif-2230	88	19	the	the	DET
ejif-2230	88	20	bank	bank	NOUN
ejif-2230	88	21	’s	’s	PART
ejif-2230	88	22	shares	share	NOUN
ejif-2230	88	23	(	(	PUNCT
ejif-2230	88	24	smolo	smolo	ADJ
ejif-2230	88	25	,	,	PUNCT
ejif-2230	88	26	2011	2011	NUM
ejif-2230	88	27	)	)	PUNCT
ejif-2230	88	28	.	.	PUNCT
ejif-2230	89	1	the	the	DET
ejif-2230	89	2	wa’ad	wa’ad	PROPN
ejif-2230	89	3	utilization	utilization	NOUN
ejif-2230	89	4	is	be	AUX
ejif-2230	89	5	catered	cater	VERB
ejif-2230	89	6	as	as	ADP
ejif-2230	89	7	a	a	DET
ejif-2230	89	8	risk	risk	NOUN
ejif-2230	89	9	mitigation	mitigation	NOUN
ejif-2230	89	10	tool	tool	NOUN
ejif-2230	89	11	to	to	PART
ejif-2230	89	12	evade	evade	VERB
ejif-2230	89	13	any	any	DET
ejif-2230	89	14	financial	financial	ADJ
ejif-2230	89	15	loss	loss	NOUN
ejif-2230	89	16	against	against	ADP
ejif-2230	89	17	the	the	DET
ejif-2230	89	18	bank	bank	NOUN
ejif-2230	89	19	and	and	CCONJ
ejif-2230	89	20	show	show	VERB
ejif-2230	89	21	the	the	DET
ejif-2230	89	22	parties	party	NOUN
ejif-2230	89	23	’	’	PART
ejif-2230	89	24	commitment	commitment	NOUN
ejif-2230	89	25	to	to	PART
ejif-2230	89	26	perform	perform	VERB
ejif-2230	89	27	their	their	PRON
ejif-2230	89	28	contract	contract	NOUN
ejif-2230	89	29	as	as	ADP
ejif-2230	89	30	mutually	mutually	ADV
ejif-2230	89	31	intended	intend	VERB
ejif-2230	89	32	(	(	PUNCT
ejif-2230	89	33	abdullah	abdullah	PROPN
ejif-2230	89	34	,	,	PUNCT
ejif-2230	89	35	2009	2009	NUM
ejif-2230	89	36	;	;	PUNCT
ejif-2230	89	37	dar	dar	NOUN
ejif-2230	89	38	,	,	PUNCT
ejif-2230	89	39	2010	2010	NUM
ejif-2230	89	40	)	)	PUNCT
ejif-2230	89	41	.	.	PUNCT
ejif-2230	90	1	in	in	ADP
ejif-2230	90	2	the	the	DET
ejif-2230	90	3	default	default	NOUN
ejif-2230	90	4	case	case	NOUN
ejif-2230	90	5	,	,	PUNCT
ejif-2230	90	6	discontinuation	discontinuation	NOUN
ejif-2230	90	7	of	of	ADP
ejif-2230	90	8	musharakah	musharakah	PROPN
ejif-2230	90	9	mutanaqisah	mutanaqisah	NOUN
ejif-2230	90	10	can	can	AUX
ejif-2230	90	11	be	be	AUX
ejif-2230	90	12	solved	solve	VERB
ejif-2230	90	13	with	with	ADP
ejif-2230	90	14	two	two	NUM
ejif-2230	90	15	methods	method	NOUN
ejif-2230	90	16	i.e.	i.e.	X
ejif-2230	90	17	without	without	ADP
ejif-2230	90	18	wa’ad	wa’ad	NOUN
ejif-2230	90	19	or	or	CCONJ
ejif-2230	90	20	with	with	ADP
ejif-2230	90	21	wa’ad	wa’ad	PROPN
ejif-2230	90	22	.	.	PUNCT
ejif-2230	91	1	if	if	SCONJ
ejif-2230	91	2	it	it	PRON
ejif-2230	91	3	solves	solve	VERB
ejif-2230	91	4	without	without	ADP
ejif-2230	91	5	wa’ad	wa’ad	PROPN
ejif-2230	91	6	,	,	PUNCT
ejif-2230	91	7	the	the	DET
ejif-2230	91	8	underlying	underlie	VERB
ejif-2230	91	9	asset	asset	NOUN
ejif-2230	91	10	will	will	AUX
ejif-2230	91	11	be	be	AUX
ejif-2230	91	12	disposed	dispose	VERB
ejif-2230	91	13	to	to	ADP
ejif-2230	91	14	the	the	DET
ejif-2230	91	15	market	market	NOUN
ejif-2230	91	16	and	and	CCONJ
ejif-2230	91	17	the	the	DET
ejif-2230	91	18	proceeds	proceed	NOUN
ejif-2230	91	19	will	will	AUX
ejif-2230	91	20	be	be	AUX
ejif-2230	91	21	shared	share	VERB
ejif-2230	91	22	according	accord	VERB
ejif-2230	91	23	to	to	ADP
ejif-2230	91	24	the	the	DET
ejif-2230	91	25	latest	late	ADJ
ejif-2230	91	26	ownership	ownership	NOUN
ejif-2230	91	27	share	share	NOUN
ejif-2230	91	28	ratio	ratio	NOUN
ejif-2230	91	29	(	(	PUNCT
ejif-2230	91	30	after	after	SCONJ
ejif-2230	91	31	all	all	DET
ejif-2230	91	32	the	the	DET
ejif-2230	91	33	outstanding	outstanding	ADJ
ejif-2230	91	34	costs	cost	NOUN
ejif-2230	91	35	and	and	CCONJ
ejif-2230	91	36	payments	payment	NOUN
ejif-2230	91	37	settled	settle	VERB
ejif-2230	91	38	such	such	ADJ
ejif-2230	91	39	as	as	ADP
ejif-2230	91	40	outstanding	outstanding	ADJ
ejif-2230	91	41	rents	rent	NOUN
ejif-2230	91	42	and	and	CCONJ
ejif-2230	91	43	legal	legal	ADJ
ejif-2230	91	44	fees	fee	NOUN
ejif-2230	91	45	)	)	PUNCT
ejif-2230	91	46	.	.	PUNCT
ejif-2230	92	1	if	if	SCONJ
ejif-2230	92	2	it	it	PRON
ejif-2230	92	3	solves	solve	VERB
ejif-2230	92	4	with	with	ADP
ejif-2230	92	5	wa’ad	wa’ad	PROPN
ejif-2230	92	6	,	,	PUNCT
ejif-2230	92	7	the	the	DET
ejif-2230	92	8	customer	customer	NOUN
ejif-2230	92	9	have	have	VERB
ejif-2230	92	10	to	to	PART
ejif-2230	92	11	purchase	purchase	VERB
ejif-2230	92	12	the	the	DET
ejif-2230	92	13	remaining	remain	VERB
ejif-2230	92	14	shares	share	NOUN
ejif-2230	92	15	of	of	ADP
ejif-2230	92	16	the	the	DET
ejif-2230	92	17	bank	bank	NOUN
ejif-2230	92	18	.	.	PUNCT
ejif-2230	93	1	wa’ad	wa’ad	PROPN
ejif-2230	93	2	in	in	ADP
ejif-2230	93	3	the	the	DET
ejif-2230	93	4	default	default	NOUN
ejif-2230	93	5	makes	make	VERB
ejif-2230	93	6	a	a	DET
ejif-2230	93	7	legal	legal	ADJ
ejif-2230	93	8	obligation	obligation	NOUN
ejif-2230	93	9	on	on	ADP
ejif-2230	93	10	the	the	DET
ejif-2230	93	11	customer	customer	NOUN
ejif-2230	93	12	to	to	PART
ejif-2230	93	13	purchase	purchase	VERB
ejif-2230	93	14	all	all	DET
ejif-2230	93	15	outstanding	outstanding	ADJ
ejif-2230	93	16	shares	share	NOUN
ejif-2230	93	17	of	of	ADP
ejif-2230	93	18	the	the	DET
ejif-2230	93	19	bank	bank	NOUN
ejif-2230	93	20	and	and	CCONJ
ejif-2230	93	21	to	to	PART
ejif-2230	93	22	pay	pay	VERB
ejif-2230	93	23	outstanding	outstanding	ADJ
ejif-2230	93	24	rental	rental	NOUN
ejif-2230	93	25	and	and	CCONJ
ejif-2230	93	26	other	other	ADJ
ejif-2230	93	27	fees	fee	NOUN
ejif-2230	93	28	.	.	PUNCT
ejif-2230	94	1	after	after	ADP
ejif-2230	94	2	that	that	PRON
ejif-2230	94	3	,	,	PUNCT
ejif-2230	94	4	debt	debt	NOUN
ejif-2230	94	5	is	be	AUX
ejif-2230	94	6	created	create	VERB
ejif-2230	94	7	and	and	CCONJ
ejif-2230	94	8	this	this	DET
ejif-2230	94	9	debt	debt	NOUN
ejif-2230	94	10	is	be	AUX
ejif-2230	94	11	to	to	PART
ejif-2230	94	12	be	be	AUX
ejif-2230	94	13	settled	settle	VERB
ejif-2230	94	14	by	by	ADP
ejif-2230	94	15	the	the	DET
ejif-2230	94	16	customer	customer	NOUN
ejif-2230	94	17	(	(	PUNCT
ejif-2230	94	18	smolo	smolo	ADJ
ejif-2230	94	19	,	,	PUNCT
ejif-2230	94	20	2011	2011	NUM
ejif-2230	94	21	)	)	PUNCT
ejif-2230	94	22	.	.	PUNCT
ejif-2230	95	1	according	accord	VERB
ejif-2230	95	2	to	to	ADP
ejif-2230	95	3	hanafi	hanafi	X
ejif-2230	95	4	(	(	PUNCT
ejif-2230	95	5	2012	2012	NUM
ejif-2230	95	6	)	)	PUNCT
ejif-2230	95	7	,	,	PUNCT
ejif-2230	95	8	this	this	DET
ejif-2230	95	9	practice	practice	NOUN
ejif-2230	95	10	with	with	ADP
ejif-2230	95	11	wa’ad	wa’ad	NOUN
ejif-2230	95	12	caters	cater	NOUN
ejif-2230	95	13	as	as	ADP
ejif-2230	95	14	‘	'	PUNCT
ejif-2230	95	15	capital	capital	NOUN
ejif-2230	95	16	guarantee	guarantee	NOUN
ejif-2230	95	17	’	'	PUNCT
ejif-2230	95	18	over	over	ADP
ejif-2230	95	19	the	the	DET
ejif-2230	95	20	bank	bank	NOUN
ejif-2230	95	21	’s	’s	PART
ejif-2230	95	22	credit	credit	NOUN
ejif-2230	95	23	risk	risk	NOUN
ejif-2230	95	24	.	.	PUNCT
ejif-2230	96	1	the	the	DET
ejif-2230	96	2	use	use	NOUN
ejif-2230	96	3	of	of	ADP
ejif-2230	96	4	purchase	purchase	NOUN
ejif-2230	96	5	undertaking	undertaking	NOUN
ejif-2230	96	6	should	should	AUX
ejif-2230	96	7	be	be	AUX
ejif-2230	96	8	done	do	VERB
ejif-2230	96	9	with	with	ADP
ejif-2230	96	10	necessary	necessary	ADJ
ejif-2230	96	11	caution	caution	NOUN
ejif-2230	96	12	,	,	PUNCT
ejif-2230	96	13	as	as	SCONJ
ejif-2230	96	14	itwill	itwill	NOUN
ejif-2230	96	15	contradict	contradict	VERB
ejif-2230	96	16	the	the	DET
ejif-2230	96	17	basic	basic	ADJ
ejif-2230	96	18	principles	principle	NOUN
ejif-2230	96	19	of	of	ADP
ejif-2230	96	20	profit	profit	NOUN
ejif-2230	96	21	and	and	CCONJ
ejif-2230	96	22	loss	loss	NOUN
ejif-2230	96	23	sharing	sharing	NOUN
ejif-2230	96	24	contract	contract	NOUN
ejif-2230	96	25	,	,	PUNCT
ejif-2230	96	26	as	as	SCONJ
ejif-2230	96	27	it	it	PRON
ejif-2230	96	28	can	can	AUX
ejif-2230	96	29	not	not	PART
ejif-2230	96	30	be	be	AUX
ejif-2230	96	31	systematically	systematically	ADV
ejif-2230	96	32	made	make	VERB
ejif-2230	96	33	dependant	dependant	ADJ
ejif-2230	96	34	on	on	ADP
ejif-2230	96	35	collateral	collateral	NOUN
ejif-2230	96	36	or	or	CCONJ
ejif-2230	96	37	guarantees	guarantee	NOUN
ejif-2230	96	38	to	to	PART
ejif-2230	96	39	reduce	reduce	VERB
ejif-2230	96	40	credit	credit	NOUN
ejif-2230	96	41	risk	risk	NOUN
ejif-2230	96	42	ejif	ejif	PROPN
ejif-2230	96	43	–	–	PUNCT
ejif-2230	96	44	european	european	PROPN
ejif-2230	96	45	journal	journal	PROPN
ejif-2230	96	46	of	of	ADP
ejif-2230	96	47	islamic	islamic	PROPN
ejif-2230	96	48	finance	finance	PROPN
ejif-2230	96	49	no8	no8	PROPN
ejif-2230	96	50	,	,	PUNCT
ejif-2230	96	51	december	december	PROPN
ejif-2230	96	52	(	(	PUNCT
ejif-2230	96	53	2017	2017	NUM
ejif-2230	96	54	)	)	PUNCT
ejif-2230	97	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	97	2	issn	issn	VERB
ejif-2230	97	3	2421	2421	NUM
ejif-2230	97	4	-	-	SYM
ejif-2230	97	5	2172	2172	NUM
ejif-2230	97	6	4	4	NUM
ejif-2230	97	7	(	(	PUNCT
ejif-2230	97	8	sundararajan	sundararajan	NOUN
ejif-2230	97	9	and	and	CCONJ
ejif-2230	97	10	errico	errico	NOUN
ejif-2230	97	11	,	,	PUNCT
ejif-2230	97	12	2002	2002	NUM
ejif-2230	97	13	;	;	PUNCT
ejif-2230	97	14	smolo	smolo	PROPN
ejif-2230	97	15	,	,	PUNCT
ejif-2230	97	16	2010	2010	NUM
ejif-2230	97	17	;	;	PUNCT
ejif-2230	97	18	naim	naim	NOUN
ejif-2230	97	19	,	,	PUNCT
ejif-2230	97	20	2011	2011	NUM
ejif-2230	97	21	)	)	PUNCT
ejif-2230	97	22	.	.	PUNCT
ejif-2230	98	1	in	in	ADP
ejif-2230	98	2	addition	addition	NOUN
ejif-2230	98	3	,	,	PUNCT
ejif-2230	98	4	since	since	SCONJ
ejif-2230	98	5	mm	mm	PROPN
ejif-2230	98	6	for	for	ADP
ejif-2230	98	7	asset	asset	NOUN
ejif-2230	98	8	acquisition	acquisition	NOUN
ejif-2230	98	9	based	base	VERB
ejif-2230	98	10	on	on	ADP
ejif-2230	98	11	shirkat	shirkat	NOUN
ejif-2230	98	12	almilk	almilk	NOUN
ejif-2230	98	13	,	,	PUNCT
ejif-2230	98	14	when	when	SCONJ
ejif-2230	98	15	it	it	PRON
ejif-2230	98	16	comes	come	VERB
ejif-2230	98	17	to	to	ADP
ejif-2230	98	18	the	the	DET
ejif-2230	98	19	loss	loss	NOUN
ejif-2230	98	20	,	,	PUNCT
ejif-2230	98	21	each	each	DET
ejif-2230	98	22	partner	partner	NOUN
ejif-2230	98	23	shall	shall	AUX
ejif-2230	98	24	bear	bear	VERB
ejif-2230	98	25	ownership	ownership	NOUN
ejif-2230	98	26	related	relate	VERB
ejif-2230	98	27	expenses	expense	NOUN
ejif-2230	98	28	/	/	SYM
ejif-2230	98	29	liabilities	liability	NOUN
ejif-2230	98	30	or	or	CCONJ
ejif-2230	98	31	loss	loss	NOUN
ejif-2230	98	32	,	,	PUNCT
ejif-2230	98	33	on	on	ADP
ejif-2230	98	34	pro	pro	ADJ
ejif-2230	98	35	rate	rate	NOUN
ejif-2230	98	36	basis	basis	NOUN
ejif-2230	98	37	.	.	PUNCT
ejif-2230	99	1	in	in	ADP
ejif-2230	99	2	addition	addition	NOUN
ejif-2230	99	3	,	,	PUNCT
ejif-2230	99	4	the	the	DET
ejif-2230	99	5	practice	practice	NOUN
ejif-2230	99	6	of	of	ADP
ejif-2230	99	7	transferring	transfer	VERB
ejif-2230	99	8	all	all	DET
ejif-2230	99	9	the	the	DET
ejif-2230	99	10	obligations	obligation	NOUN
ejif-2230	99	11	on	on	ADP
ejif-2230	99	12	the	the	DET
ejif-2230	99	13	maintenance	maintenance	NOUN
ejif-2230	99	14	and	and	CCONJ
ejif-2230	99	15	takaful	takaful	ADJ
ejif-2230	99	16	solely	solely	ADV
ejif-2230	99	17	to	to	ADP
ejif-2230	99	18	the	the	DET
ejif-2230	99	19	customer	customer	NOUN
ejif-2230	99	20	(	(	PUNCT
ejif-2230	99	21	even	even	ADV
ejif-2230	99	22	has	have	AUX
ejif-2230	99	23	been	be	AUX
ejif-2230	99	24	agreed	agree	VERB
ejif-2230	99	25	upon	upon	SCONJ
ejif-2230	99	26	by	by	ADP
ejif-2230	99	27	both	both	DET
ejif-2230	99	28	parties	party	NOUN
ejif-2230	99	29	)	)	PUNCT
ejif-2230	99	30	may	may	AUX
ejif-2230	99	31	suggest	suggest	VERB
ejif-2230	99	32	that	that	SCONJ
ejif-2230	99	33	the	the	DET
ejif-2230	99	34	bank	bank	NOUN
ejif-2230	99	35	does	do	AUX
ejif-2230	99	36	not	not	PART
ejif-2230	99	37	‘	'	PUNCT
ejif-2230	99	38	truly	truly	ADV
ejif-2230	99	39	’	'	PUNCT
ejif-2230	99	40	have	have	VERB
ejif-2230	99	41	ownership	ownership	NOUN
ejif-2230	99	42	risk	risk	NOUN
ejif-2230	99	43	over	over	ADP
ejif-2230	99	44	the	the	DET
ejif-2230	99	45	house	house	NOUN
ejif-2230	99	46	.	.	PUNCT
ejif-2230	100	1	hence	hence	ADV
ejif-2230	100	2	,	,	PUNCT
ejif-2230	100	3	such	such	DET
ejif-2230	100	4	a	a	DET
ejif-2230	100	5	practice	practice	NOUN
ejif-2230	100	6	does	do	AUX
ejif-2230	100	7	not	not	PART
ejif-2230	100	8	render	render	VERB
ejif-2230	100	9	genuine	genuine	ADJ
ejif-2230	100	10	musharakah	musharakah	NOUN
ejif-2230	100	11	when	when	SCONJ
ejif-2230	100	12	one	one	NUM
ejif-2230	100	13	party	party	NOUN
ejif-2230	100	14	has	have	VERB
ejif-2230	100	15	superior	superior	ADJ
ejif-2230	100	16	advantage	advantage	NOUN
ejif-2230	100	17	over	over	ADP
ejif-2230	100	18	the	the	DET
ejif-2230	100	19	other	other	ADJ
ejif-2230	100	20	party	party	NOUN
ejif-2230	100	21	.	.	PUNCT
ejif-2230	101	1	c.	c.	PROPN
ejif-2230	101	2	bnm	bnm	PROPN
ejif-2230	101	3	regulation	regulation	NOUN
ejif-2230	101	4	compliance	compliance	NOUN
ejif-2230	101	5	with	with	ADP
ejif-2230	101	6	shariah	shariah	PROPN
ejif-2230	101	7	requirement	requirement	NOUN
ejif-2230	101	8	is	be	AUX
ejif-2230	101	9	a	a	DET
ejif-2230	101	10	prerequisite	prerequisite	NOUN
ejif-2230	101	11	to	to	PART
ejif-2230	101	12	ensure	ensure	VERB
ejif-2230	101	13	the	the	DET
ejif-2230	101	14	legitimacy	legitimacy	NOUN
ejif-2230	101	15	of	of	ADP
ejif-2230	101	16	islamic	islamic	ADJ
ejif-2230	101	17	financial	financial	ADJ
ejif-2230	101	18	products	product	NOUN
ejif-2230	101	19	and	and	CCONJ
ejif-2230	101	20	services	service	NOUN
ejif-2230	101	21	.	.	PUNCT
ejif-2230	102	1	the	the	DET
ejif-2230	102	2	shariah	shariah	PROPN
ejif-2230	102	3	contract	contract	NOUN
ejif-2230	102	4	-	-	PUNCT
ejif-2230	102	5	based	base	VERB
ejif-2230	102	6	regulatory	regulatory	ADJ
ejif-2230	102	7	policy	policy	NOUN
ejif-2230	102	8	is	be	AUX
ejif-2230	102	9	intended	intend	VERB
ejif-2230	102	10	to	to	PART
ejif-2230	102	11	ensure	ensure	VERB
ejif-2230	102	12	end	end	VERB
ejif-2230	102	13	-	-	PUNCT
ejif-2230	102	14	to	to	ADP
ejif-2230	102	15	-	-	PUNCT
ejif-2230	102	16	end	end	NOUN
ejif-2230	102	17	compliance	compliance	NOUN
ejif-2230	102	18	with	with	ADP
ejif-2230	102	19	shariah	shariah	PROPN
ejif-2230	102	20	and	and	CCONJ
ejif-2230	102	21	hence	hence	ADV
ejif-2230	102	22	,	,	PUNCT
ejif-2230	102	23	enhance	enhance	VERB
ejif-2230	102	24	the	the	DET
ejif-2230	102	25	integrity	integrity	NOUN
ejif-2230	102	26	and	and	CCONJ
ejif-2230	102	27	sustainability	sustainability	NOUN
ejif-2230	102	28	of	of	ADP
ejif-2230	102	29	the	the	DET
ejif-2230	102	30	ifi	ifi	PROPN
ejif-2230	102	31	.	.	PUNCT
ejif-2230	103	1	in	in	ADP
ejif-2230	103	2	policy	policy	NOUN
ejif-2230	103	3	document	document	NOUN
ejif-2230	103	4	,	,	PUNCT
ejif-2230	103	5	there	there	PRON
ejif-2230	103	6	are	be	VERB
ejif-2230	103	7	two	two	NUM
ejif-2230	103	8	denotations	denotation	NOUN
ejif-2230	103	9	.	.	PUNCT
ejif-2230	104	1	“	"	PUNCT
ejif-2230	104	2	s	s	X
ejif-2230	104	3	”	"	PUNCT
ejif-2230	104	4	means	mean	VERB
ejif-2230	104	5	a	a	DET
ejif-2230	104	6	standards	standard	NOUN
ejif-2230	104	7	,	,	PUNCT
ejif-2230	104	8	and	and	CCONJ
ejif-2230	104	9	obligation	obligation	NOUN
ejif-2230	104	10	,	,	PUNCT
ejif-2230	104	11	a	a	DET
ejif-2230	104	12	requirement	requirement	NOUN
ejif-2230	104	13	,	,	PUNCT
ejif-2230	104	14	specification	specification	NOUN
ejif-2230	104	15	,	,	PUNCT
ejif-2230	104	16	direction	direction	NOUN
ejif-2230	104	17	,	,	PUNCT
ejif-2230	104	18	condition	condition	NOUN
ejif-2230	104	19	and	and	CCONJ
ejif-2230	104	20	any	any	DET
ejif-2230	104	21	interpretative	interpretative	ADJ
ejif-2230	104	22	,	,	PUNCT
ejif-2230	104	23	supplemental	supplemental	ADJ
ejif-2230	104	24	and	and	CCONJ
ejif-2230	104	25	transitional	transitional	ADJ
ejif-2230	104	26	provisions	provision	NOUN
ejif-2230	104	27	that	that	PRON
ejif-2230	104	28	must	must	AUX
ejif-2230	104	29	complied	comply	VERB
ejif-2230	104	30	with	with	ADP
ejif-2230	104	31	.	.	PUNCT
ejif-2230	105	1	if	if	SCONJ
ejif-2230	105	2	noncompliance	noncompliance	NOUN
ejif-2230	105	3	occurs	occur	VERB
ejif-2230	105	4	,	,	PUNCT
ejif-2230	105	5	it	it	PRON
ejif-2230	105	6	may	may	AUX
ejif-2230	105	7	result	result	VERB
ejif-2230	105	8	in	in	ADP
ejif-2230	105	9	enforcement	enforcement	NOUN
ejif-2230	105	10	actions	action	NOUN
ejif-2230	105	11	.	.	PUNCT
ejif-2230	106	1	“	"	PUNCT
ejif-2230	106	2	g	g	NOUN
ejif-2230	106	3	”	"	PUNCT
ejif-2230	106	4	means	mean	NOUN
ejif-2230	106	5	as	as	ADP
ejif-2230	106	6	guidance	guidance	NOUN
ejif-2230	106	7	which	which	PRON
ejif-2230	106	8	may	may	AUX
ejif-2230	106	9	comprise	comprise	VERB
ejif-2230	106	10	of	of	ADP
ejif-2230	106	11	statements	statement	NOUN
ejif-2230	106	12	or	or	CCONJ
ejif-2230	106	13	information	information	NOUN
ejif-2230	106	14	,	,	PUNCT
ejif-2230	106	15	intended	intend	VERB
ejif-2230	106	16	to	to	PART
ejif-2230	106	17	promote	promote	VERB
ejif-2230	106	18	common	common	ADJ
ejif-2230	106	19	understanding	understanding	NOUN
ejif-2230	106	20	and	and	CCONJ
ejif-2230	106	21	advice	advice	NOUN
ejif-2230	106	22	or	or	CCONJ
ejif-2230	106	23	recommendations	recommendation	NOUN
ejif-2230	106	24	which	which	PRON
ejif-2230	106	25	are	be	AUX
ejif-2230	106	26	encouraged	encourage	VERB
ejif-2230	106	27	to	to	PART
ejif-2230	106	28	be	be	AUX
ejif-2230	106	29	adopted	adopt	VERB
ejif-2230	106	30	.	.	PUNCT
ejif-2230	107	1	in	in	ADP
ejif-2230	107	2	this	this	DET
ejif-2230	107	3	research	research	NOUN
ejif-2230	107	4	,	,	PUNCT
ejif-2230	107	5	musharakah	musharakah	NOUN
ejif-2230	107	6	and	and	CCONJ
ejif-2230	107	7	ijarah	ijarah	PROPN
ejif-2230	107	8	bnm	bnm	PROPN
ejif-2230	107	9	sharia	sharia	PROPN
ejif-2230	107	10	standards	standard	NOUN
ejif-2230	107	11	are	be	AUX
ejif-2230	107	12	examined	examine	VERB
ejif-2230	107	13	as	as	ADP
ejif-2230	107	14	the	the	DET
ejif-2230	107	15	main	main	ADJ
ejif-2230	107	16	contracts	contract	NOUN
ejif-2230	107	17	and	and	CCONJ
ejif-2230	107	18	also	also	ADV
ejif-2230	107	19	relevant	relevant	ADJ
ejif-2230	107	20	concept	concept	NOUN
ejif-2230	107	21	paper	paper	NOUN
ejif-2230	107	22	for	for	ADP
ejif-2230	107	23	the	the	DET
ejif-2230	107	24	supporting	support	VERB
ejif-2230	107	25	contracts	contract	NOUN
ejif-2230	107	26	such	such	ADJ
ejif-2230	107	27	as	as	ADP
ejif-2230	107	28	wa’ad	wa’ad	PROPN
ejif-2230	107	29	and	and	CCONJ
ejif-2230	107	30	ta’widh	ta’widh	NOUN
ejif-2230	107	31	.	.	PUNCT
ejif-2230	108	1	in	in	ADP
ejif-2230	108	2	addition	addition	NOUN
ejif-2230	108	3	,	,	PUNCT
ejif-2230	108	4	guidelines	guideline	NOUN
ejif-2230	108	5	on	on	ADP
ejif-2230	108	6	ibra	ibra	NOUN
ejif-2230	108	7	’	'	PUNCT
ejif-2230	108	8	(	(	PUNCT
ejif-2230	108	9	rebate	rebate	NOUN
ejif-2230	108	10	)	)	PUNCT
ejif-2230	108	11	for	for	ADP
ejif-2230	108	12	salebased	salebased	ADJ
ejif-2230	108	13	financing	financing	NOUN
ejif-2230	108	14	is	be	AUX
ejif-2230	108	15	also	also	ADV
ejif-2230	108	16	used	use	VERB
ejif-2230	108	17	.	.	PUNCT
ejif-2230	109	1	iii	iii	X
ejif-2230	109	2	.	.	PUNCT
ejif-2230	109	3	discussion	discussion	NOUN
ejif-2230	109	4	and	and	CCONJ
ejif-2230	109	5	findings	finding	VERB
ejif-2230	109	6	the	the	DET
ejif-2230	109	7	table	table	NOUN
ejif-2230	109	8	below	below	ADV
ejif-2230	109	9	describes	describe	VERB
ejif-2230	109	10	the	the	DET
ejif-2230	109	11	regulations	regulation	NOUN
ejif-2230	109	12	that	that	PRON
ejif-2230	109	13	governed	govern	VERB
ejif-2230	109	14	mm	mm	NOUN
ejif-2230	109	15	and	and	CCONJ
ejif-2230	109	16	the	the	DET
ejif-2230	109	17	practices	practice	NOUN
ejif-2230	109	18	of	of	ADP
ejif-2230	109	19	both	both	DET
ejif-2230	109	20	banks	bank	NOUN
ejif-2230	109	21	.	.	PUNCT
ejif-2230	110	1	since	since	SCONJ
ejif-2230	110	2	the	the	DET
ejif-2230	110	3	mm	mm	PROPN
ejif-2230	110	4	is	be	AUX
ejif-2230	110	5	hybrid	hybrid	ADJ
ejif-2230	110	6	contract	contract	NOUN
ejif-2230	110	7	,	,	PUNCT
ejif-2230	110	8	this	this	DET
ejif-2230	110	9	study	study	NOUN
ejif-2230	110	10	refers	refer	VERB
ejif-2230	110	11	to	to	ADP
ejif-2230	110	12	the	the	DET
ejif-2230	110	13	bnm	bnm	PROPN
ejif-2230	110	14	sharia	sharia	PROPN
ejif-2230	110	15	standards	standard	NOUN
ejif-2230	110	16	of	of	ADP
ejif-2230	110	17	musharakah	musharakah	NOUN
ejif-2230	110	18	and	and	CCONJ
ejif-2230	110	19	ijarah	ijarah	PROPN
ejif-2230	110	20	.	.	PUNCT
ejif-2230	111	1	furthermore	furthermore	ADV
ejif-2230	111	2	,	,	PUNCT
ejif-2230	111	3	for	for	ADP
ejif-2230	111	4	the	the	DET
ejif-2230	111	5	supporting	support	VERB
ejif-2230	111	6	contracts	contract	NOUN
ejif-2230	111	7	,	,	PUNCT
ejif-2230	111	8	we	we	PRON
ejif-2230	111	9	referred	refer	VERB
ejif-2230	111	10	to	to	ADP
ejif-2230	111	11	the	the	DET
ejif-2230	111	12	concept	concept	NOUN
ejif-2230	111	13	paper	paper	NOUN
ejif-2230	111	14	on	on	ADP
ejif-2230	111	15	wa’ad	wa’ad	PROPN
ejif-2230	111	16	,	,	PUNCT
ejif-2230	111	17	ibra	ibra	NOUN
ejif-2230	111	18	and	and	CCONJ
ejif-2230	111	19	ta’widh	ta’widh	NOUN
ejif-2230	111	20	.	.	PUNCT
ejif-2230	111	21	to	to	PART
ejif-2230	111	22	find	find	VERB
ejif-2230	111	23	out	out	ADP
ejif-2230	111	24	the	the	DET
ejif-2230	111	25	banking	banking	NOUN
ejif-2230	111	26	practices	practice	NOUN
ejif-2230	111	27	on	on	ADP
ejif-2230	111	28	relevant	relevant	ADJ
ejif-2230	111	29	aspects	aspect	NOUN
ejif-2230	111	30	,	,	PUNCT
ejif-2230	111	31	the	the	DET
ejif-2230	111	32	study	study	NOUN
ejif-2230	111	33	focuses	focus	VERB
ejif-2230	111	34	on	on	ADP
ejif-2230	111	35	their	their	PRON
ejif-2230	111	36	product	product	NOUN
ejif-2230	111	37	disclosure	disclosure	NOUN
ejif-2230	111	38	sheets	sheet	NOUN
ejif-2230	111	39	(	(	PUNCT
ejif-2230	111	40	pds	pds	NOUN
ejif-2230	111	41	)	)	PUNCT
ejif-2230	111	42	,	,	PUNCT
ejif-2230	111	43	banks	bank	NOUN
ejif-2230	111	44	’	'	PUNCT
ejif-2230	111	45	policy	policy	NOUN
ejif-2230	111	46	on	on	ADP
ejif-2230	111	47	payment	payment	NOUN
ejif-2230	111	48	and	and	CCONJ
ejif-2230	111	49	profit	profit	NOUN
ejif-2230	111	50	calculation	calculation	NOUN
ejif-2230	111	51	.	.	PUNCT
ejif-2230	112	1	a.	a.	NOUN
ejif-2230	112	2	definition	definition	NOUN
ejif-2230	112	3	application	application	NOUN
ejif-2230	112	4	of	of	ADP
ejif-2230	112	5	musharakah	musharakah	PROPN
ejif-2230	112	6	mutanaqisah	mutanaqisah	NOUN
ejif-2230	112	7	institution	institution	NOUN
ejif-2230	112	8	information	information	NOUN
ejif-2230	112	9	note	note	NOUN
ejif-2230	112	10	bnm	bnm	PROPN
ejif-2230	112	11	regulation	regulation	NOUN
ejif-2230	112	12	musharakah	musharakah	NOUN
ejif-2230	112	13	may	may	AUX
ejif-2230	112	14	be	be	AUX
ejif-2230	112	15	entered	enter	VERB
ejif-2230	112	16	into	into	ADP
ejif-2230	112	17	by	by	ADP
ejif-2230	112	18	two	two	NUM
ejif-2230	112	19	or	or	CCONJ
ejif-2230	112	20	more	more	ADJ
ejif-2230	112	21	parties	party	NOUN
ejif-2230	112	22	on	on	ADP
ejif-2230	112	23	a	a	DET
ejif-2230	112	24	particular	particular	ADJ
ejif-2230	112	25	asset	asset	NOUN
ejif-2230	112	26	or	or	CCONJ
ejif-2230	112	27	venture	venture	NOUN
ejif-2230	112	28	which	which	PRON
ejif-2230	112	29	allows	allow	VERB
ejif-2230	112	30	one	one	NUM
ejif-2230	112	31	of	of	ADP
ejif-2230	112	32	the	the	DET
ejif-2230	112	33	partners	partner	NOUN
ejif-2230	112	34	to	to	PART
ejif-2230	112	35	gradually	gradually	ADV
ejif-2230	112	36	acquire	acquire	VERB
ejif-2230	112	37	the	the	DET
ejif-2230	112	38	shareholding	shareholding	NOUN
ejif-2230	112	39	of	of	ADP
ejif-2230	112	40	the	the	DET
ejif-2230	112	41	other	other	ADJ
ejif-2230	112	42	partner	partner	NOUN
ejif-2230	112	43	through	through	ADP
ejif-2230	112	44	an	an	DET
ejif-2230	112	45	agreed	agree	VERB
ejif-2230	112	46	redemption	redemption	NOUN
ejif-2230	112	47	method	method	NOUN
ejif-2230	112	48	during	during	ADP
ejif-2230	112	49	the	the	DET
ejif-2230	112	50	tenure	tenure	NOUN
ejif-2230	112	51	of	of	ADP
ejif-2230	112	52	the	the	DET
ejif-2230	112	53	contract	contract	NOUN
ejif-2230	112	54	.	.	PUNCT
ejif-2230	113	1	such	such	ADJ
ejif-2230	113	2	arrangement	arrangement	NOUN
ejif-2230	113	3	is	be	AUX
ejif-2230	113	4	commonly	commonly	ADV
ejif-2230	113	5	referred	refer	VERB
ejif-2230	113	6	to	to	ADP
ejif-2230	113	7	as	as	ADP
ejif-2230	113	8	musharakah	musharakah	PROPN
ejif-2230	113	9	mutanaqisah	mutanaqisah	NOUN
ejif-2230	113	10	(	(	PUNCT
ejif-2230	113	11	diminishing	diminishing	NOUN
ejif-2230	113	12	musharakah	musharakah	PROPN
ejif-2230	113	13	)	)	PUNCT
ejif-2230	113	14	(	(	PUNCT
ejif-2230	113	15	bnm	bnm	PROPN
ejif-2230	113	16	regulation	regulation	NOUN
ejif-2230	113	17	,	,	PUNCT
ejif-2230	113	18	2015	2015	NUM
ejif-2230	113	19	,	,	PUNCT
ejif-2230	113	20	musyarakah	musyarakah	PROPN
ejif-2230	113	21	,	,	PUNCT
ejif-2230	113	22	provision	provision	NOUN
ejif-2230	113	23	21.1	21.1	NUM
ejif-2230	113	24	)	)	PUNCT
ejif-2230	113	25	.	.	PUNCT
ejif-2230	114	1	guidance	guidance	NOUN
ejif-2230	114	2	–	–	PUNCT
ejif-2230	114	3	two	two	NUM
ejif-2230	114	4	main	main	ADJ
ejif-2230	114	5	essences	essence	NOUN
ejif-2230	114	6	are	be	AUX
ejif-2230	114	7	shareholding	shareholde	VERB
ejif-2230	114	8	and	and	CCONJ
ejif-2230	114	9	partners	partner	NOUN
ejif-2230	114	10	to	to	PART
ejif-2230	114	11	gradually	gradually	ADV
ejif-2230	114	12	acquire	acquire	VERB
ejif-2230	114	13	maybank	maybank	PROPN
ejif-2230	114	14	islamic	islamic	PROPN
ejif-2230	114	15	musharakah	musharakah	PROPN
ejif-2230	114	16	mutanaqisah	mutanaqisah	PROPN
ejif-2230	114	17	(	(	PUNCT
ejif-2230	114	18	diminishing	diminishing	NOUN
ejif-2230	114	19	partnership	partnership	NOUN
ejif-2230	114	20	)	)	PUNCT
ejif-2230	114	21	.	.	PUNCT
ejif-2230	115	1	this	this	PRON
ejif-2230	115	2	is	be	AUX
ejif-2230	115	3	an	an	DET
ejif-2230	115	4	islamic	islamic	ADJ
ejif-2230	115	5	property	property	NOUN
ejif-2230	115	6	financing	financing	NOUN
ejif-2230	115	7	based	base	VERB
ejif-2230	115	8	on	on	ADP
ejif-2230	115	9	a	a	DET
ejif-2230	115	10	no	no	DET
ejif-2230	115	11	gap	gap	NOUN
ejif-2230	115	12	–	–	PUNCT
ejif-2230	115	13	different	different	ADJ
ejif-2230	115	14	terms	term	NOUN
ejif-2230	115	15	used	use	VERB
ejif-2230	115	16	combination	combination	NOUN
ejif-2230	115	17	of	of	ADP
ejif-2230	115	18	shariah	shariah	PROPN
ejif-2230	115	19	contracts	contract	NOUN
ejif-2230	115	20	of	of	ADP
ejif-2230	115	21	musharakah	musharakah	PROPN
ejif-2230	115	22	(	(	PUNCT
ejif-2230	115	23	partnership	partnership	NOUN
ejif-2230	115	24	)	)	PUNCT
ejif-2230	115	25	and	and	CCONJ
ejif-2230	115	26	ijarah	ijarah	NOUN
ejif-2230	115	27	(	(	PUNCT
ejif-2230	115	28	leasing	leasing	NOUN
ejif-2230	115	29	)	)	PUNCT
ejif-2230	115	30	.	.	PUNCT
ejif-2230	116	1	it	it	PRON
ejif-2230	116	2	is	be	AUX
ejif-2230	116	3	a	a	DET
ejif-2230	116	4	form	form	NOUN
ejif-2230	116	5	of	of	ADP
ejif-2230	116	6	diminishing	diminish	VERB
ejif-2230	116	7	partnership	partnership	NOUN
ejif-2230	116	8	contract	contract	NOUN
ejif-2230	116	9	whereby	whereby	SCONJ
ejif-2230	116	10	the	the	DET
ejif-2230	116	11	customer	customer	NOUN
ejif-2230	116	12	and	and	CCONJ
ejif-2230	116	13	the	the	DET
ejif-2230	116	14	bank	bank	NOUN
ejif-2230	116	15	jointly	jointly	ADV
ejif-2230	116	16	acquire	acquire	VERB
ejif-2230	116	17	and	and	CCONJ
ejif-2230	116	18	own	own	VERB
ejif-2230	116	19	a	a	DET
ejif-2230	116	20	property	property	NOUN
ejif-2230	116	21	.	.	PUNCT
ejif-2230	117	1	once	once	SCONJ
ejif-2230	117	2	the	the	DET
ejif-2230	117	3	bank	bank	NOUN
ejif-2230	117	4	leases	lease	VERB
ejif-2230	117	5	the	the	DET
ejif-2230	117	6	property	property	NOUN
ejif-2230	117	7	to	to	ADP
ejif-2230	117	8	the	the	DET
ejif-2230	117	9	customer	customer	NOUN
ejif-2230	117	10	,	,	PUNCT
ejif-2230	117	11	the	the	DET
ejif-2230	117	12	installment	installment	NOUN
ejif-2230	117	13	payments	payment	NOUN
ejif-2230	117	14	shall	shall	AUX
ejif-2230	117	15	gradually	gradually	ADV
ejif-2230	117	16	transfer	transfer	VERB
ejif-2230	117	17	the	the	DET
ejif-2230	117	18	bank	bank	NOUN
ejif-2230	117	19	’s	’s	PART
ejif-2230	117	20	ownership	ownership	NOUN
ejif-2230	117	21	to	to	ADP
ejif-2230	117	22	the	the	DET
ejif-2230	117	23	customer	customer	NOUN
ejif-2230	117	24	.	.	PUNCT
ejif-2230	118	1	(	(	PUNCT
ejif-2230	118	2	pds	pds	NOUN
ejif-2230	118	3	,	,	PUNCT
ejif-2230	118	4	pg.2	pg.2	PROPN
ejif-2230	118	5	)	)	PUNCT
ejif-2230	118	6	.	.	PUNCT
ejif-2230	119	1	which	which	PRON
ejif-2230	119	2	are	be	AUX
ejif-2230	119	3	jointly	jointly	ADV
ejif-2230	119	4	acquire	acquire	VERB
ejif-2230	119	5	and	and	CCONJ
ejif-2230	119	6	own	own	VERB
ejif-2230	119	7	a	a	DET
ejif-2230	119	8	property	property	NOUN
ejif-2230	119	9	and	and	CCONJ
ejif-2230	119	10	gradually	gradually	ADV
ejif-2230	119	11	transfer	transfer	VERB
ejif-2230	119	12	hsbc	hsbc	PROPN
ejif-2230	119	13	amanah	amanah	PROPN
ejif-2230	119	14	the	the	DET
ejif-2230	119	15	customer	customer	NOUN
ejif-2230	119	16	and	and	CCONJ
ejif-2230	119	17	the	the	DET
ejif-2230	119	18	bank	bank	NOUN
ejif-2230	119	19	will	will	AUX
ejif-2230	119	20	be	be	AUX
ejif-2230	119	21	in	in	ADP
ejif-2230	119	22	a	a	DET
ejif-2230	119	23	partnership	partnership	NOUN
ejif-2230	119	24	to	to	PART
ejif-2230	119	25	purchase	purchase	VERB
ejif-2230	119	26	a	a	DET
ejif-2230	119	27	property	property	NOUN
ejif-2230	119	28	.	.	PUNCT
ejif-2230	120	1	the	the	DET
ejif-2230	120	2	bank	bank	NOUN
ejif-2230	120	3	’s	’s	PART
ejif-2230	120	4	share	share	NOUN
ejif-2230	120	5	of	of	ADP
ejif-2230	120	6	the	the	DET
ejif-2230	120	7	property	property	NOUN
ejif-2230	120	8	will	will	AUX
ejif-2230	120	9	diminish	diminish	VERB
ejif-2230	120	10	over	over	ADP
ejif-2230	120	11	time	time	NOUN
ejif-2230	120	12	during	during	ADP
ejif-2230	120	13	the	the	DET
ejif-2230	120	14	tenure	tenure	NOUN
ejif-2230	120	15	,	,	PUNCT
ejif-2230	120	16	while	while	SCONJ
ejif-2230	120	17	the	the	DET
ejif-2230	120	18	customer	customer	NOUN
ejif-2230	120	19	’s	’s	PART
ejif-2230	120	20	share	share	NOUN
ejif-2230	120	21	of	of	ADP
ejif-2230	120	22	the	the	DET
ejif-2230	120	23	property	property	NOUN
ejif-2230	120	24	will	will	AUX
ejif-2230	120	25	increase	increase	VERB
ejif-2230	120	26	at	at	ADP
ejif-2230	120	27	the	the	DET
ejif-2230	120	28	same	same	ADJ
ejif-2230	120	29	time	time	NOUN
ejif-2230	120	30	as	as	ADP
ejif-2230	120	31	a	a	DET
ejif-2230	120	32	result	result	NOUN
ejif-2230	120	33	from	from	ADP
ejif-2230	120	34	the	the	DET
ejif-2230	120	35	monthly	monthly	ADJ
ejif-2230	120	36	payments	payment	NOUN
ejif-2230	120	37	to	to	ADP
ejif-2230	120	38	the	the	DET
ejif-2230	120	39	bank	bank	NOUN
ejif-2230	120	40	.	.	PUNCT
ejif-2230	121	1	ultimately	ultimately	ADV
ejif-2230	121	2	,	,	PUNCT
ejif-2230	121	3	the	the	DET
ejif-2230	121	4	bank	bank	NOUN
ejif-2230	121	5	will	will	AUX
ejif-2230	121	6	transfer	transfer	VERB
ejif-2230	121	7	the	the	DET
ejif-2230	121	8	full	full	ADJ
ejif-2230	121	9	ownership	ownership	NOUN
ejif-2230	121	10	of	of	ADP
ejif-2230	121	11	the	the	DET
ejif-2230	121	12	property	property	NOUN
ejif-2230	121	13	to	to	ADP
ejif-2230	121	14	the	the	DET
ejif-2230	121	15	customer	customer	NOUN
ejif-2230	121	16	at	at	ADP
ejif-2230	121	17	the	the	DET
ejif-2230	121	18	end	end	NOUN
ejif-2230	121	19	of	of	ADP
ejif-2230	121	20	the	the	DET
ejif-2230	121	21	facility	facility	NOUN
ejif-2230	121	22	or	or	CCONJ
ejif-2230	121	23	upon	upon	SCONJ
ejif-2230	121	24	early	early	ADJ
ejif-2230	121	25	settlement	settlement	NOUN
ejif-2230	121	26	by	by	ADP
ejif-2230	121	27	the	the	DET
ejif-2230	121	28	customer	customer	NOUN
ejif-2230	121	29	,	,	PUNCT
ejif-2230	121	30	whichever	whichever	PRON
ejif-2230	121	31	is	be	AUX
ejif-2230	121	32	earlier	early	ADV
ejif-2230	121	33	”	"	PUNCT
ejif-2230	121	34	(	(	PUNCT
ejif-2230	121	35	pds	pds	NOUN
ejif-2230	121	36	,	,	PUNCT
ejif-2230	121	37	pg.1	pg.1	PROPN
ejif-2230	121	38	)	)	PUNCT
ejif-2230	121	39	.	.	PUNCT
ejif-2230	122	1	no	no	DET
ejif-2230	122	2	gap	gap	NOUN
ejif-2230	122	3	different	different	ADJ
ejif-2230	122	4	terms	term	NOUN
ejif-2230	122	5	which	which	PRON
ejif-2230	122	6	are	be	AUX
ejif-2230	122	7	partnership	partnership	NOUN
ejif-2230	122	8	and	and	CCONJ
ejif-2230	122	9	diminish	diminish	VERB
ejif-2230	122	10	comment	comment	NOUN
ejif-2230	122	11	the	the	DET
ejif-2230	122	12	essence	essence	NOUN
ejif-2230	122	13	of	of	ADP
ejif-2230	122	14	definitions	definition	NOUN
ejif-2230	122	15	for	for	ADP
ejif-2230	122	16	bnm	bnm	PROPN
ejif-2230	122	17	and	and	CCONJ
ejif-2230	122	18	maybank	maybank	PROPN
ejif-2230	122	19	islamic	islamic	PROPN
ejif-2230	122	20	are	be	AUX
ejif-2230	122	21	similar	similar	ADJ
ejif-2230	122	22	.	.	PUNCT
ejif-2230	123	1	however	however	ADV
ejif-2230	123	2	,	,	PUNCT
ejif-2230	123	3	hsbc	hsbc	PROPN
ejif-2230	123	4	amanah	amanah	PROPN
ejif-2230	123	5	stated	state	VERB
ejif-2230	123	6	that	that	SCONJ
ejif-2230	123	7	the	the	DET
ejif-2230	123	8	full	full	ADJ
ejif-2230	123	9	transfer	transfer	NOUN
ejif-2230	123	10	of	of	ADP
ejif-2230	123	11	property	property	NOUN
ejif-2230	123	12	ownership	ownership	NOUN
ejif-2230	123	13	can	can	AUX
ejif-2230	123	14	be	be	AUX
ejif-2230	123	15	conducted	conduct	VERB
ejif-2230	123	16	by	by	ADP
ejif-2230	123	17	the	the	DET
ejif-2230	123	18	customer	customer	NOUN
ejif-2230	123	19	either	either	CCONJ
ejif-2230	123	20	at	at	ADP
ejif-2230	123	21	the	the	DET
ejif-2230	123	22	end	end	NOUN
ejif-2230	123	23	of	of	ADP
ejif-2230	123	24	tenure	tenure	NOUN
ejif-2230	123	25	or	or	CCONJ
ejif-2230	123	26	upon	upon	SCONJ
ejif-2230	123	27	early	early	ADJ
ejif-2230	123	28	settlement	settlement	NOUN
ejif-2230	123	29	,	,	PUNCT
ejif-2230	123	30	of	of	ADP
ejif-2230	123	31	which	which	PRON
ejif-2230	123	32	maybank	maybank	PROPN
ejif-2230	123	33	islamic	islamic	PROPN
ejif-2230	123	34	only	only	ADV
ejif-2230	123	35	mentioned	mention	VERB
ejif-2230	123	36	about	about	ADP
ejif-2230	123	37	transfer	transfer	NOUN
ejif-2230	123	38	of	of	ADP
ejif-2230	123	39	ownership	ownership	NOUN
ejif-2230	123	40	at	at	ADP
ejif-2230	123	41	the	the	DET
ejif-2230	123	42	end	end	NOUN
ejif-2230	123	43	of	of	ADP
ejif-2230	123	44	the	the	DET
ejif-2230	123	45	tenure	tenure	NOUN
ejif-2230	123	46	.	.	PUNCT
ejif-2230	124	1	since	since	SCONJ
ejif-2230	124	2	,	,	PUNCT
ejif-2230	124	3	the	the	DET
ejif-2230	124	4	essence	essence	NOUN
ejif-2230	124	5	of	of	ADP
ejif-2230	124	6	definitions	definition	NOUN
ejif-2230	124	7	are	be	AUX
ejif-2230	124	8	similar	similar	ADJ
ejif-2230	124	9	,	,	PUNCT
ejif-2230	124	10	it	it	PRON
ejif-2230	124	11	does	do	AUX
ejif-2230	124	12	not	not	PART
ejif-2230	124	13	deviate	deviate	VERB
ejif-2230	124	14	from	from	ADP
ejif-2230	124	15	the	the	DET
ejif-2230	124	16	definition	definition	NOUN
ejif-2230	124	17	which	which	PRON
ejif-2230	124	18	is	be	AUX
ejif-2230	124	19	guided	guide	VERB
ejif-2230	124	20	by	by	ADP
ejif-2230	124	21	bnm	bnm	PROPN
ejif-2230	124	22	.	.	PUNCT
ejif-2230	125	1	b.	b.	PROPN
ejif-2230	125	2	contract	contract	PROPN
ejif-2230	125	3	application	application	NOUN
ejif-2230	125	4	on	on	ADP
ejif-2230	125	5	musharakah	musharakah	PROPN
ejif-2230	125	6	mutanaqisah	mutanaqisah	NOUN
ejif-2230	125	7	for	for	ADP
ejif-2230	125	8	asset	asset	NOUN
ejif-2230	125	9	acquisition	acquisition	NOUN
ejif-2230	125	10	purpose	purpose	NOUN
ejif-2230	125	11	institution	institution	NOUN
ejif-2230	125	12	information	information	NOUN
ejif-2230	125	13	note	note	NOUN
ejif-2230	125	14	bnm	bnm	PROPN
ejif-2230	125	15	regulation	regulation	NOUN
ejif-2230	125	16	musyarakah	musyarakah	PROPN
ejif-2230	125	17	mutanaqisah	mutanaqisah	VERB
ejif-2230	125	18	for	for	ADP
ejif-2230	125	19	the	the	DET
ejif-2230	125	20	purpose	purpose	NOUN
ejif-2230	125	21	of	of	ADP
ejif-2230	125	22	acquiring	acquire	VERB
ejif-2230	125	23	completed	complete	VERB
ejif-2230	125	24	assets	asset	NOUN
ejif-2230	125	25	may	may	AUX
ejif-2230	125	26	be	be	AUX
ejif-2230	125	27	arranged	arrange	VERB
ejif-2230	125	28	whereby	whereby	SCONJ
ejif-2230	125	29	the	the	DET
ejif-2230	125	30	partners	partner	NOUN
ejif-2230	125	31	jointly	jointly	ADV
ejif-2230	125	32	purchase	purchase	VERB
ejif-2230	125	33	an	an	DET
ejif-2230	125	34	asset	asset	NOUN
ejif-2230	125	35	from	from	ADP
ejif-2230	125	36	a	a	DET
ejif-2230	125	37	third	third	ADJ
ejif-2230	125	38	party	party	NOUN
ejif-2230	125	39	.	.	PUNCT
ejif-2230	126	1	subsequently	subsequently	ADV
ejif-2230	126	2	,	,	PUNCT
ejif-2230	126	3	one	one	NUM
ejif-2230	126	4	of	of	ADP
ejif-2230	126	5	the	the	DET
ejif-2230	126	6	partners	partner	NOUN
ejif-2230	126	7	will	will	AUX
ejif-2230	126	8	lease	lease	VERB
ejif-2230	126	9	his	his	PRON
ejif-2230	126	10	share	share	NOUN
ejif-2230	126	11	of	of	ADP
ejif-2230	126	12	the	the	DET
ejif-2230	126	13	asset	asset	NOUN
ejif-2230	126	14	ownership	ownership	NOUN
ejif-2230	126	15	to	to	ADP
ejif-2230	126	16	the	the	DET
ejif-2230	126	17	other	other	ADJ
ejif-2230	126	18	partner	partner	NOUN
ejif-2230	126	19	based	base	VERB
ejif-2230	126	20	on	on	ADP
ejif-2230	126	21	ijarah	ijarah	PROPN
ejif-2230	126	22	.	.	PUNCT
ejif-2230	127	1	simultaneously	simultaneously	ADV
ejif-2230	127	2	,	,	PUNCT
ejif-2230	127	3	the	the	DET
ejif-2230	127	4	partner	partner	NOUN
ejif-2230	127	5	who	who	PRON
ejif-2230	127	6	is	be	AUX
ejif-2230	127	7	the	the	DET
ejif-2230	127	8	lessee	lessee	NOUN
ejif-2230	127	9	will	will	AUX
ejif-2230	127	10	purchase	purchase	VERB
ejif-2230	127	11	the	the	DET
ejif-2230	127	12	share	share	NOUN
ejif-2230	127	13	of	of	ADP
ejif-2230	127	14	the	the	DET
ejif-2230	127	15	other	other	ADJ
ejif-2230	127	16	partner	partner	NOUN
ejif-2230	127	17	on	on	ADP
ejif-2230	127	18	a	a	DET
ejif-2230	127	19	gradual	gradual	ADJ
ejif-2230	127	20	basis	basis	NOUN
ejif-2230	127	21	and	and	CCONJ
ejif-2230	127	22	ultimately	ultimately	ADV
ejif-2230	127	23	become	become	VERB
ejif-2230	127	24	the	the	DET
ejif-2230	127	25	sole	sole	ADJ
ejif-2230	127	26	owner	owner	NOUN
ejif-2230	127	27	of	of	ADP
ejif-2230	127	28	the	the	DET
ejif-2230	127	29	asset	asset	NOUN
ejif-2230	127	30	.	.	PUNCT
ejif-2230	128	1	(	(	PUNCT
ejif-2230	128	2	bnm	bnm	PROPN
ejif-2230	128	3	regulation	regulation	NOUN
ejif-2230	128	4	,	,	PUNCT
ejif-2230	128	5	2015,musyarakah	2015,musyarakah	NUM
ejif-2230	128	6	,	,	PUNCT
ejif-2230	128	7	provision	provision	NOUN
ejif-2230	128	8	22.2	22.2	NUM
ejif-2230	128	9	)	)	PUNCT
ejif-2230	128	10	guidance	guidance	NOUN
ejif-2230	128	11	–	–	PUNCT
ejif-2230	128	12	three	three	NUM
ejif-2230	128	13	contracts	contract	NOUN
ejif-2230	128	14	:	:	PUNCT
ejif-2230	128	15	jointly	jointly	ADV
ejif-2230	128	16	purchase	purchase	NOUN
ejif-2230	128	17	,	,	PUNCT
ejif-2230	128	18	lease	lease	NOUN
ejif-2230	128	19	,	,	PUNCT
ejif-2230	128	20	and	and	CCONJ
ejif-2230	128	21	gradually	gradually	ADV
ejif-2230	128	22	purchase	purchase	VERB
ejif-2230	128	23	the	the	DET
ejif-2230	128	24	other	other	ADJ
ejif-2230	128	25	partner	partner	NOUN
ejif-2230	128	26	’s	’s	PART
ejif-2230	128	27	share	share	PROPN
ejif-2230	128	28	maybank	maybank	PROPN
ejif-2230	128	29	islamic	islamic	PROPN
ejif-2230	128	30	musharakah	musharakah	PROPN
ejif-2230	128	31	mutanaqisah	mutanaqisah	PROPN
ejif-2230	128	32	(	(	PUNCT
ejif-2230	128	33	diminishing	diminishing	NOUN
ejif-2230	128	34	partnership	partnership	NOUN
ejif-2230	128	35	)	)	PUNCT
ejif-2230	128	36	.	.	PUNCT
ejif-2230	129	1	this	this	PRON
ejif-2230	129	2	is	be	AUX
ejif-2230	129	3	an	an	DET
ejif-2230	129	4	islamic	islamic	ADJ
ejif-2230	129	5	property	property	NOUN
ejif-2230	129	6	financing	financing	NOUN
ejif-2230	129	7	based	base	VERB
ejif-2230	129	8	on	on	ADP
ejif-2230	129	9	a	a	DET
ejif-2230	129	10	combination	combination	NOUN
ejif-2230	129	11	of	of	ADP
ejif-2230	129	12	shariah	shariah	PROPN
ejif-2230	129	13	contracts	contract	NOUN
ejif-2230	129	14	of	of	ADP
ejif-2230	129	15	musharakah	musharakah	PROPN
ejif-2230	129	16	(	(	PUNCT
ejif-2230	129	17	partnership	partnership	NOUN
ejif-2230	129	18	)	)	PUNCT
ejif-2230	129	19	and	and	CCONJ
ejif-2230	129	20	ijarah	ijarah	NOUN
ejif-2230	129	21	(	(	PUNCT
ejif-2230	129	22	leasing	leasing	NOUN
ejif-2230	129	23	)	)	PUNCT
ejif-2230	129	24	.	.	PUNCT
ejif-2230	130	1	it	it	PRON
ejif-2230	130	2	is	be	AUX
ejif-2230	130	3	a	a	DET
ejif-2230	130	4	form	form	NOUN
ejif-2230	130	5	of	of	ADP
ejif-2230	130	6	diminishing	diminish	VERB
ejif-2230	130	7	partnership	partnership	NOUN
ejif-2230	130	8	contract	contract	NOUN
ejif-2230	130	9	whereby	whereby	SCONJ
ejif-2230	130	10	the	the	DET
ejif-2230	130	11	customer	customer	NOUN
ejif-2230	130	12	and	and	CCONJ
ejif-2230	130	13	the	the	DET
ejif-2230	130	14	bank	bank	NOUN
ejif-2230	130	15	jointly	jointly	ADV
ejif-2230	130	16	acquire	acquire	VERB
ejif-2230	130	17	and	and	CCONJ
ejif-2230	130	18	own	own	VERB
ejif-2230	130	19	a	a	DET
ejif-2230	130	20	property	property	NOUN
ejif-2230	130	21	.	.	PUNCT
ejif-2230	131	1	once	once	SCONJ
ejif-2230	131	2	the	the	DET
ejif-2230	131	3	bank	bank	NOUN
ejif-2230	131	4	leases	lease	VERB
ejif-2230	131	5	the	the	DET
ejif-2230	131	6	property	property	NOUN
ejif-2230	131	7	to	to	ADP
ejif-2230	131	8	the	the	DET
ejif-2230	131	9	customer	customer	NOUN
ejif-2230	131	10	,	,	PUNCT
ejif-2230	131	11	the	the	DET
ejif-2230	131	12	instalment	instalment	NOUN
ejif-2230	131	13	payments	payment	NOUN
ejif-2230	131	14	shall	shall	AUX
ejif-2230	131	15	gradually	gradually	ADV
ejif-2230	131	16	transfer	transfer	VERB
ejif-2230	131	17	the	the	DET
ejif-2230	131	18	bank	bank	NOUN
ejif-2230	131	19	’s	’s	PART
ejif-2230	131	20	ownership	ownership	NOUN
ejif-2230	131	21	to	to	ADP
ejif-2230	131	22	the	the	DET
ejif-2230	131	23	customer	customer	NOUN
ejif-2230	131	24	.	.	PUNCT
ejif-2230	132	1	(	(	PUNCT
ejif-2230	132	2	pds	pds	NOUN
ejif-2230	132	3	(	(	PUNCT
ejif-2230	132	4	1	1	NUM
ejif-2230	132	5	)	)	PUNCT
ejif-2230	132	6	,	,	PUNCT
ejif-2230	132	7	pg.2	pg.2	PROPN
ejif-2230	132	8	)	)	PUNCT
ejif-2230	132	9	no	no	DET
ejif-2230	132	10	gap	gap	NOUN
ejif-2230	132	11	–	–	PUNCT
ejif-2230	132	12	three	three	NUM
ejif-2230	132	13	contracts	contract	NOUN
ejif-2230	132	14	:	:	PUNCT
ejif-2230	132	15	partnership	partnership	NOUN
ejif-2230	132	16	,	,	PUNCT
ejif-2230	132	17	leasing	leasing	NOUN
ejif-2230	132	18	,	,	PUNCT
ejif-2230	132	19	and	and	CCONJ
ejif-2230	132	20	gradually	gradually	ADV
ejif-2230	132	21	transfer	transfer	VERB
ejif-2230	132	22	the	the	DET
ejif-2230	132	23	bank	bank	NOUN
ejif-2230	132	24	’s	’s	PART
ejif-2230	132	25	ownership	ownership	NOUN
ejif-2230	132	26	hsbc	hsbc	PROPN
ejif-2230	132	27	the	the	DET
ejif-2230	132	28	shariah	shariah	PROPN
ejif-2230	132	29	concept	concept	NOUN
ejif-2230	132	30	applicable	applicable	ADJ
ejif-2230	132	31	is	be	AUX
ejif-2230	132	32	no	no	DET
ejif-2230	132	33	gap	gap	NOUN
ejif-2230	132	34	–	–	PUNCT
ejif-2230	132	35	1pds	1pds	NUM
ejif-2230	132	36	:	:	PUNCT
ejif-2230	132	37	product	product	NOUN
ejif-2230	132	38	disclosure	disclosure	NOUN
ejif-2230	132	39	sheet	sheet	NOUN
ejif-2230	132	40	ejif	ejif	PROPN
ejif-2230	132	41	–	–	PUNCT
ejif-2230	132	42	european	european	PROPN
ejif-2230	132	43	journal	journal	PROPN
ejif-2230	132	44	of	of	ADP
ejif-2230	132	45	islamic	islamic	PROPN
ejif-2230	132	46	finance	finance	PROPN
ejif-2230	132	47	no8	no8	PROPN
ejif-2230	132	48	,	,	PUNCT
ejif-2230	132	49	december	december	PROPN
ejif-2230	132	50	(	(	PUNCT
ejif-2230	132	51	2017	2017	NUM
ejif-2230	132	52	)	)	PUNCT
ejif-2230	132	53	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	132	54	issn	issn	VERB
ejif-2230	132	55	2421	2421	NUM
ejif-2230	132	56	-	-	SYM
ejif-2230	132	57	2172	2172	NUM
ejif-2230	132	58	5	5	NUM
ejif-2230	132	59	amanah	amanah	NOUN
ejif-2230	132	60	diminishing	diminish	VERB
ejif-2230	132	61	musharakah	musharakah	PROPN
ejif-2230	132	62	(	(	PUNCT
ejif-2230	132	63	coownership	coownership	NOUN
ejif-2230	132	64	)	)	PUNCT
ejif-2230	132	65	.	.	PUNCT
ejif-2230	133	1	diminishing	diminish	VERB
ejif-2230	133	2	musharakah	musharakah	PROPN
ejif-2230	133	3	involves	involve	VERB
ejif-2230	133	4	three	three	NUM
ejif-2230	133	5	underlying	underlie	VERB
ejif-2230	133	6	contracts	contract	NOUN
ejif-2230	133	7	independent	independent	ADJ
ejif-2230	133	8	from	from	ADP
ejif-2230	133	9	each	each	DET
ejif-2230	133	10	other	other	ADJ
ejif-2230	133	11	,	,	PUNCT
ejif-2230	133	12	those	those	PRON
ejif-2230	133	13	are	be	AUX
ejif-2230	133	14	:	:	PUNCT
ejif-2230	133	15	(	(	PUNCT
ejif-2230	133	16	i	i	NOUN
ejif-2230	133	17	)	)	PUNCT
ejif-2230	133	18	co	co	NOUN
ejif-2230	133	19	-	-	NOUN
ejif-2230	133	20	ownership	ownership	NOUN
ejif-2230	133	21	:	:	PUNCT
ejif-2230	133	22	the	the	DET
ejif-2230	133	23	bank	bank	NOUN
ejif-2230	133	24	participates	participate	VERB
ejif-2230	133	25	as	as	ADP
ejif-2230	133	26	a	a	DET
ejif-2230	133	27	financial	financial	ADJ
ejif-2230	133	28	partner	partner	NOUN
ejif-2230	133	29	in	in	ADP
ejif-2230	133	30	the	the	DET
ejif-2230	133	31	acquisition	acquisition	NOUN
ejif-2230	133	32	of	of	ADP
ejif-2230	133	33	the	the	DET
ejif-2230	133	34	property	property	NOUN
ejif-2230	133	35	.	.	PUNCT
ejif-2230	134	1	you	you	PRON
ejif-2230	134	2	and	and	CCONJ
ejif-2230	134	3	the	the	DET
ejif-2230	134	4	bank	bank	NOUN
ejif-2230	134	5	contribute	contribute	VERB
ejif-2230	134	6	the	the	DET
ejif-2230	134	7	capital	capital	NOUN
ejif-2230	134	8	to	to	PART
ejif-2230	134	9	own	own	VERB
ejif-2230	134	10	the	the	DET
ejif-2230	134	11	property	property	NOUN
ejif-2230	134	12	.	.	PUNCT
ejif-2230	135	1	(	(	PUNCT
ejif-2230	135	2	ii	ii	NOUN
ejif-2230	135	3	)	)	PUNCT
ejif-2230	135	4	lease	lease	NOUN
ejif-2230	135	5	:	:	PUNCT
ejif-2230	135	6	the	the	DET
ejif-2230	135	7	bank	bank	NOUN
ejif-2230	135	8	then	then	ADV
ejif-2230	135	9	leases	lease	VERB
ejif-2230	135	10	its	its	PRON
ejif-2230	135	11	share	share	NOUN
ejif-2230	135	12	of	of	ADP
ejif-2230	135	13	the	the	DET
ejif-2230	135	14	property	property	NOUN
ejif-2230	135	15	to	to	ADP
ejif-2230	135	16	you	you	PRON
ejif-2230	135	17	for	for	ADP
ejif-2230	135	18	‘	'	PUNCT
ejif-2230	135	19	rental	rental	ADJ
ejif-2230	135	20	payment	payment	NOUN
ejif-2230	135	21	’	'	PUNCT
ejif-2230	135	22	.	.	PUNCT
ejif-2230	136	1	(	(	PUNCT
ejif-2230	136	2	iii	iii	NOUN
ejif-2230	136	3	)	)	PUNCT
ejif-2230	136	4	purchase	purchase	NOUN
ejif-2230	136	5	:	:	PUNCT
ejif-2230	136	6	on	on	ADP
ejif-2230	136	7	monthly	monthly	ADJ
ejif-2230	136	8	basis	basis	NOUN
ejif-2230	136	9	,	,	PUNCT
ejif-2230	136	10	you	you	PRON
ejif-2230	136	11	purchase	purchase	VERB
ejif-2230	136	12	a	a	DET
ejif-2230	136	13	portion	portion	NOUN
ejif-2230	136	14	of	of	ADP
ejif-2230	136	15	the	the	DET
ejif-2230	136	16	bank	bank	NOUN
ejif-2230	136	17	’s	’	VERB
ejif-2230	136	18	shares.this	shares.this	DET
ejif-2230	136	19	purchase	purchase	NOUN
ejif-2230	136	20	is	be	AUX
ejif-2230	136	21	affected	affect	VERB
ejif-2230	136	22	against	against	ADP
ejif-2230	136	23	“	"	PUNCT
ejif-2230	136	24	purchse	purchse	ADJ
ejif-2230	136	25	price	price	NOUN
ejif-2230	136	26	”	"	PUNCT
ejif-2230	136	27	paid	pay	VERB
ejif-2230	136	28	by	by	ADP
ejif-2230	136	29	you	you	PRON
ejif-2230	136	30	(	(	PUNCT
ejif-2230	136	31	pds	pds	NOUN
ejif-2230	136	32	:	:	PUNCT
ejif-2230	136	33	no.1	no.1	PROPN
ejif-2230	136	34	-	-	PUNCT
ejif-2230	136	35	i	i	PROPN
ejif-2230	136	36	,	,	PUNCT
ejif-2230	136	37	ii	ii	PROPN
ejif-2230	136	38	,	,	PUNCT
ejif-2230	136	39	iii	iii	NOUN
ejif-2230	136	40	)	)	PUNCT
ejif-2230	136	41	three	three	NUM
ejif-2230	136	42	contracts	contract	NOUN
ejif-2230	136	43	:	:	PUNCT
ejif-2230	136	44	coownership	coownership	NOUN
ejif-2230	136	45	,	,	PUNCT
ejif-2230	136	46	lease	lease	VERB
ejif-2230	136	47	and	and	CCONJ
ejif-2230	136	48	purchase	purchase	VERB
ejif-2230	136	49	the	the	DET
ejif-2230	136	50	bank	bank	NOUN
ejif-2230	136	51	’s	’s	PART
ejif-2230	136	52	share	share	NOUN
ejif-2230	136	53	comment	comment	PROPN
ejif-2230	136	54	maybank	maybank	PROPN
ejif-2230	136	55	islamic	islamic	PROPN
ejif-2230	136	56	and	and	CCONJ
ejif-2230	136	57	hsbc	hsbc	PROPN
ejif-2230	136	58	amanah	amanah	PROPN
ejif-2230	136	59	stated	state	VERB
ejif-2230	136	60	similar	similar	ADJ
ejif-2230	136	61	contract	contract	NOUN
ejif-2230	136	62	application	application	NOUN
ejif-2230	136	63	of	of	ADP
ejif-2230	136	64	mm	mm	PROPN
ejif-2230	136	65	as	as	SCONJ
ejif-2230	136	66	stated	state	VERB
ejif-2230	136	67	on	on	ADP
ejif-2230	136	68	bnm	bnm	PROPN
ejif-2230	136	69	regulation	regulation	NOUN
ejif-2230	136	70	.	.	PUNCT
ejif-2230	137	1	the	the	DET
ejif-2230	137	2	terms	term	NOUN
ejif-2230	137	3	used	use	VERB
ejif-2230	137	4	by	by	ADP
ejif-2230	137	5	hsbc	hsbc	PROPN
ejif-2230	137	6	amanah	amanah	PROPN
ejif-2230	137	7	slightly	slightly	ADV
ejif-2230	137	8	different	different	ADJ
ejif-2230	138	1	but	but	CCONJ
ejif-2230	138	2	it	it	PRON
ejif-2230	138	3	gives	give	VERB
ejif-2230	138	4	the	the	DET
ejif-2230	138	5	explanation	explanation	NOUN
ejif-2230	138	6	.	.	PUNCT
ejif-2230	139	1	c.	c.	PROPN
ejif-2230	139	2	wa’ad	wa’ad	PROPN
ejif-2230	139	3	(	(	PUNCT
ejif-2230	139	4	promise	promise	NOUN
ejif-2230	139	5	)	)	PUNCT
ejif-2230	139	6	application	application	NOUN
ejif-2230	139	7	on	on	ADP
ejif-2230	139	8	musharakah	musharakah	PROPN
ejif-2230	139	9	mutanaqisah	mutanaqisah	PROPN
ejif-2230	139	10	institution	institution	NOUN
ejif-2230	139	11	information	information	NOUN
ejif-2230	139	12	note	note	VERB
ejif-2230	139	13	bnm	bnm	PROPN
ejif-2230	139	14	regulation	regulation	NOUN
ejif-2230	139	15	a	a	DET
ejif-2230	139	16	partner	partner	NOUN
ejif-2230	139	17	may	may	AUX
ejif-2230	139	18	,	,	PUNCT
ejif-2230	139	19	at	at	ADP
ejif-2230	139	20	the	the	DET
ejif-2230	139	21	time	time	NOUN
ejif-2230	139	22	of	of	ADP
ejif-2230	139	23	entering	enter	VERB
ejif-2230	139	24	into	into	ADP
ejif-2230	139	25	the	the	DET
ejif-2230	139	26	contract	contract	NOUN
ejif-2230	139	27	,	,	PUNCT
ejif-2230	139	28	request	request	VERB
ejif-2230	139	29	other	other	ADJ
ejif-2230	139	30	partner	partner	NOUN
ejif-2230	139	31	to	to	PART
ejif-2230	139	32	give	give	VERB
ejif-2230	139	33	a	a	DET
ejif-2230	139	34	promise	promise	NOUN
ejif-2230	139	35	(	(	PUNCT
ejif-2230	139	36	wa`d	wa`d	NOUN
ejif-2230	139	37	)	)	PUNCT
ejif-2230	139	38	to	to	PART
ejif-2230	139	39	gradually	gradually	ADV
ejif-2230	139	40	purchase	purchase	VERB
ejif-2230	139	41	the	the	DET
ejif-2230	139	42	former	former	ADJ
ejif-2230	139	43	’s	’s	PART
ejif-2230	139	44	share	share	NOUN
ejif-2230	139	45	of	of	ADP
ejif-2230	139	46	the	the	DET
ejif-2230	139	47	asset	asset	NOUN
ejif-2230	139	48	over	over	ADP
ejif-2230	139	49	an	an	DET
ejif-2230	139	50	agreed	agree	VERB
ejif-2230	139	51	period	period	NOUN
ejif-2230	139	52	of	of	ADP
ejif-2230	139	53	time	time	NOUN
ejif-2230	139	54	at	at	ADP
ejif-2230	139	55	market	market	NOUN
ejif-2230	139	56	value	value	NOUN
ejif-2230	139	57	,	,	PUNCT
ejif-2230	139	58	fair	fair	ADJ
ejif-2230	139	59	value	value	NOUN
ejif-2230	139	60	or	or	CCONJ
ejif-2230	139	61	any	any	DET
ejif-2230	139	62	price	price	NOUN
ejif-2230	139	63	to	to	PART
ejif-2230	139	64	be	be	AUX
ejif-2230	139	65	agreed	agree	VERB
ejif-2230	139	66	by	by	ADP
ejif-2230	139	67	the	the	DET
ejif-2230	139	68	partners	partner	NOUN
ejif-2230	139	69	.	.	PUNCT
ejif-2230	140	1	(	(	PUNCT
ejif-2230	140	2	bnm	bnm	PROPN
ejif-2230	140	3	regulation	regulation	NOUN
ejif-2230	140	4	,	,	PUNCT
ejif-2230	140	5	2015	2015	NUM
ejif-2230	140	6	,	,	PUNCT
ejif-2230	140	7	musyarakah	musyarakah	PROPN
ejif-2230	140	8	,	,	PUNCT
ejif-2230	140	9	22.5	22.5	NUM
ejif-2230	140	10	)	)	PUNCT
ejif-2230	140	11	.	.	PUNCT
ejif-2230	141	1	guidance	guidance	NOUN
ejif-2230	141	2	–	–	PUNCT
ejif-2230	141	3	wa’d	wa’d	VERB
ejif-2230	141	4	needed	need	VERB
ejif-2230	141	5	from	from	ADP
ejif-2230	141	6	the	the	DET
ejif-2230	141	7	customer	customer	NOUN
ejif-2230	141	8	to	to	PART
ejif-2230	141	9	purchase	purchase	VERB
ejif-2230	141	10	bank	bank	NOUN
ejif-2230	141	11	’s	’s	PART
ejif-2230	141	12	share	share	PROPN
ejif-2230	141	13	maybank	maybank	PROPN
ejif-2230	141	14	islamic	islamic	PROPN
ejif-2230	141	15	product	product	NOUN
ejif-2230	141	16	disclosure	disclosure	NOUN
ejif-2230	141	17	sheet	sheet	NOUN
ejif-2230	141	18	does	do	AUX
ejif-2230	141	19	not	not	PART
ejif-2230	141	20	stated	state	VERB
ejif-2230	141	21	about	about	ADP
ejif-2230	141	22	wa’d	wa’d	PROPN
ejif-2230	141	23	(	(	PUNCT
ejif-2230	141	24	purchase	purchase	NOUN
ejif-2230	141	25	undertaking	undertaking	NOUN
ejif-2230	141	26	)	)	PUNCT
ejif-2230	141	27	gap	gap	NOUN
ejif-2230	141	28	–	–	PUNCT
ejif-2230	141	29	pds	pds	NOUN
ejif-2230	141	30	does	do	AUX
ejif-2230	141	31	not	not	PART
ejif-2230	141	32	stated	state	VERB
ejif-2230	141	33	anything	anything	PRON
ejif-2230	141	34	about	about	ADP
ejif-2230	141	35	wa’d	wa’d	NOUN
ejif-2230	141	36	hsbc	hsbc	PROPN
ejif-2230	141	37	amanah	amanah	PROPN
ejif-2230	141	38	product	product	NOUN
ejif-2230	141	39	disclosure	disclosure	NOUN
ejif-2230	141	40	sheet	sheet	NOUN
ejif-2230	141	41	does	do	AUX
ejif-2230	141	42	not	not	PART
ejif-2230	141	43	stated	state	VERB
ejif-2230	141	44	about	about	ADP
ejif-2230	141	45	wa’d	wa’d	PROPN
ejif-2230	141	46	(	(	PUNCT
ejif-2230	141	47	purchase	purchase	NOUN
ejif-2230	141	48	undertaking	undertaking	NOUN
ejif-2230	141	49	)	)	PUNCT
ejif-2230	141	50	gap	gap	NOUN
ejif-2230	141	51	pds	pds	NOUN
ejif-2230	141	52	does	do	AUX
ejif-2230	141	53	not	not	PART
ejif-2230	141	54	stated	state	VERB
ejif-2230	141	55	anything	anything	PRON
ejif-2230	141	56	about	about	ADP
ejif-2230	141	57	wa’d	wa’d	ADJ
ejif-2230	141	58	comment	comment	NOUN
ejif-2230	141	59	the	the	DET
ejif-2230	141	60	gap	gap	NOUN
ejif-2230	141	61	is	be	AUX
ejif-2230	141	62	found	find	VERB
ejif-2230	141	63	since	since	SCONJ
ejif-2230	141	64	pds	pds	NOUN
ejif-2230	141	65	of	of	ADP
ejif-2230	141	66	maybank	maybank	PROPN
ejif-2230	141	67	islamic	islamic	PROPN
ejif-2230	141	68	and	and	CCONJ
ejif-2230	141	69	hsbc	hsbc	PROPN
ejif-2230	141	70	amanah	amanah	PROPN
ejif-2230	141	71	does	do	AUX
ejif-2230	141	72	not	not	PART
ejif-2230	141	73	state	state	VERB
ejif-2230	141	74	anything	anything	PRON
ejif-2230	141	75	about	about	ADP
ejif-2230	141	76	wa’ad	wa’ad	PROPN
ejif-2230	141	77	.	.	PUNCT
ejif-2230	142	1	however	however	ADV
ejif-2230	142	2	,	,	PUNCT
ejif-2230	142	3	this	this	DET
ejif-2230	142	4	gap	gap	NOUN
ejif-2230	142	5	does	do	AUX
ejif-2230	142	6	not	not	PART
ejif-2230	142	7	affect	affect	VERB
ejif-2230	142	8	product	product	NOUN
ejif-2230	142	9	validity	validity	NOUN
ejif-2230	142	10	and	and	CCONJ
ejif-2230	142	11	the	the	DET
ejif-2230	142	12	legal	legal	ADJ
ejif-2230	142	13	requirement	requirement	NOUN
ejif-2230	142	14	,	,	PUNCT
ejif-2230	142	15	because	because	SCONJ
ejif-2230	142	16	wa’d	wa’d	NOUN
ejif-2230	142	17	in	in	ADP
ejif-2230	142	18	the	the	DET
ejif-2230	142	19	contract	contract	NOUN
ejif-2230	142	20	is	be	AUX
ejif-2230	142	21	only	only	ADV
ejif-2230	142	22	the	the	DET
ejif-2230	142	23	guidance	guidance	NOUN
ejif-2230	142	24	of	of	ADP
ejif-2230	142	25	bnm	bnm	PROPN
ejif-2230	142	26	regulation	regulation	NOUN
ejif-2230	142	27	.	.	PUNCT
ejif-2230	143	1	in	in	ADP
ejif-2230	143	2	order	order	NOUN
ejif-2230	143	3	to	to	PART
ejif-2230	143	4	fully	fully	ADV
ejif-2230	143	5	comply	comply	VERB
ejif-2230	143	6	with	with	ADP
ejif-2230	143	7	bnm	bnm	PROPN
ejif-2230	143	8	regulation	regulation	NOUN
ejif-2230	143	9	,	,	PUNCT
ejif-2230	143	10	pds	pds	NOUN
ejif-2230	143	11	should	should	AUX
ejif-2230	143	12	present	present	VERB
ejif-2230	143	13	the	the	DET
ejif-2230	143	14	wa’d	wa’d	PROPN
ejif-2230	143	15	.	.	PUNCT
ejif-2230	144	1	d.	d.	PROPN
ejif-2230	144	2	pricing	pricing	PROPN
ejif-2230	144	3	method	method	PROPN
ejif-2230	144	4	institution	institution	NOUN
ejif-2230	144	5	information	information	NOUN
ejif-2230	144	6	note	note	NOUN
ejif-2230	144	7	bnm	bnm	PROPN
ejif-2230	144	8	regulation	regulation	NOUN
ejif-2230	144	9	the	the	DET
ejif-2230	144	10	contracting	contracting	NOUN
ejif-2230	144	11	parties	party	NOUN
ejif-2230	144	12	may	may	AUX
ejif-2230	144	13	agree	agree	VERB
ejif-2230	144	14	for	for	ADP
ejif-2230	144	15	the	the	DET
ejif-2230	144	16	rental	rental	ADJ
ejif-2230	144	17	amount	amount	NOUN
ejif-2230	144	18	a	a	NOUN
ejif-2230	144	19	)	)	PUNCT
ejif-2230	144	20	to	to	PART
ejif-2230	144	21	be	be	AUX
ejif-2230	144	22	paid	pay	VERB
ejif-2230	144	23	in	in	ADP
ejif-2230	144	24	a	a	DET
ejif-2230	144	25	fixed	fix	VERB
ejif-2230	144	26	amount	amount	NOUN
ejif-2230	144	27	b	b	NOUN
ejif-2230	144	28	)	)	PUNCT
ejif-2230	144	29	to	to	PART
ejif-2230	144	30	be	be	AUX
ejif-2230	144	31	determined	determine	VERB
ejif-2230	144	32	via	via	ADP
ejif-2230	144	33	a	a	DET
ejif-2230	144	34	reference	reference	NOUN
ejif-2230	144	35	to	to	ADP
ejif-2230	144	36	a	a	DET
ejif-2230	144	37	specified	specified	ADJ
ejif-2230	144	38	benchmark	benchmark	NOUN
ejif-2230	144	39	or	or	CCONJ
ejif-2230	144	40	formula	formula	NOUN
ejif-2230	144	41	;	;	PUNCT
ejif-2230	144	42	or	or	CCONJ
ejif-2230	144	43	c	c	X
ejif-2230	144	44	)	)	PUNCT
ejif-2230	144	45	to	to	PART
ejif-2230	144	46	be	be	AUX
ejif-2230	144	47	paid	pay	VERB
ejif-2230	144	48	using	use	VERB
ejif-2230	144	49	a	a	DET
ejif-2230	144	50	combination	combination	NOUN
ejif-2230	144	51	of	of	ADP
ejif-2230	144	52	guidance	guidance	NOUN
ejif-2230	144	53	–	–	PUNCT
ejif-2230	144	54	3	3	NUM
ejif-2230	144	55	types	type	NOUN
ejif-2230	144	56	of	of	ADP
ejif-2230	144	57	pricing	pricing	NOUN
ejif-2230	144	58	method	method	NOUN
ejif-2230	144	59	i.e.	i.e.	X
ejif-2230	144	60	fixed	fix	VERB
ejif-2230	144	61	,	,	PUNCT
ejif-2230	144	62	specified	specify	VERB
ejif-2230	144	63	benchmark	benchmark	NOUN
ejif-2230	144	64	paragraph	paragraph	NOUN
ejif-2230	144	65	14.3(a	14.3(a	NUM
ejif-2230	144	66	)	)	PUNCT
ejif-2230	144	67	and	and	CCONJ
ejif-2230	144	68	14.3(b	14.3(b	NUM
ejif-2230	144	69	)	)	PUNCT
ejif-2230	144	70	above	above	ADP
ejif-2230	144	71	(	(	PUNCT
ejif-2230	144	72	bnm	bnm	PROPN
ejif-2230	144	73	regulation	regulation	PROPN
ejif-2230	144	74	,	,	PUNCT
ejif-2230	144	75	ijarah	ijarah	PROPN
ejif-2230	144	76	,	,	PUNCT
ejif-2230	144	77	provision	provision	NOUN
ejif-2230	144	78	14.3	14.3	NUM
ejif-2230	144	79	)	)	PUNCT
ejif-2230	144	80	.	.	PUNCT
ejif-2230	145	1	or	or	CCONJ
ejif-2230	145	2	combination	combination	NOUN
ejif-2230	145	3	maybank	maybank	PROPN
ejif-2230	145	4	islamic	islamic	NOUN
ejif-2230	145	5	the	the	DET
ejif-2230	145	6	pricing	pricing	NOUN
ejif-2230	145	7	is	be	AUX
ejif-2230	145	8	competitive	competitive	ADJ
ejif-2230	145	9	as	as	ADP
ejif-2230	145	10	per	per	ADP
ejif-2230	145	11	the	the	DET
ejif-2230	145	12	conventional	conventional	ADJ
ejif-2230	145	13	loan	loan	NOUN
ejif-2230	145	14	which	which	PRON
ejif-2230	145	15	could	could	AUX
ejif-2230	145	16	be	be	AUX
ejif-2230	145	17	offered	offer	VERB
ejif-2230	145	18	under	under	ADP
ejif-2230	145	19	:	:	PUNCT
ejif-2230	145	20			X
ejif-2230	145	21	fixed	fix	VERB
ejif-2230	145	22	rate	rate	NOUN
ejif-2230	145	23	;	;	PUNCT
ejif-2230	145	24	or	or	CCONJ
ejif-2230	145	25	(	(	PUNCT
ejif-2230	145	26	refer	refer	VERB
ejif-2230	145	27	to	to	ADP
ejif-2230	145	28	bnm	bnm	PROPN
ejif-2230	145	29	regulation	regulation	NOUN
ejif-2230	145	30	point	point	NOUN
ejif-2230	145	31	a	a	PRON
ejif-2230	145	32	)	)	PUNCT
ejif-2230	145	33			NOUN
ejif-2230	145	34	floating	float	VERB
ejif-2230	145	35	rate	rate	NOUN
ejif-2230	145	36	;	;	PUNCT
ejif-2230	145	37	or	or	CCONJ
ejif-2230	145	38	(	(	PUNCT
ejif-2230	145	39	refer	refer	VERB
ejif-2230	145	40	to	to	ADP
ejif-2230	145	41	bnm	bnm	PROPN
ejif-2230	145	42	regulation	regulation	NOUN
ejif-2230	145	43	point	point	NOUN
ejif-2230	145	44	b	b	NOUN
ejif-2230	145	45	)	)	PUNCT
ejif-2230	145	46			NOUN
ejif-2230	146	1	a	a	DET
ejif-2230	146	2	combination	combination	NOUN
ejif-2230	146	3	of	of	ADP
ejif-2230	146	4	fixed	fix	VERB
ejif-2230	146	5	rate	rate	NOUN
ejif-2230	146	6	and	and	CCONJ
ejif-2230	146	7	floating	float	VERB
ejif-2230	146	8	rate	rate	NOUN
ejif-2230	146	9	.	.	PUNCT
ejif-2230	147	1	(	(	PUNCT
ejif-2230	147	2	mmtfi	mmtfi	NOUN
ejif-2230	147	3	maybank)(2	maybank)(2	PROPN
ejif-2230	147	4	)	)	PUNCT
ejif-2230	147	5	(	(	PUNCT
ejif-2230	147	6	refer	refer	VERB
ejif-2230	147	7	to	to	ADP
ejif-2230	147	8	bnm	bnm	PROPN
ejif-2230	147	9	regulation	regulation	NOUN
ejif-2230	147	10	point	point	NOUN
ejif-2230	147	11	c	c	NOUN
ejif-2230	147	12	)	)	PUNCT
ejif-2230	147	13	the	the	DET
ejif-2230	147	14	profit	profit	NOUN
ejif-2230	147	15	rate	rate	NOUN
ejif-2230	147	16	used	use	VERB
ejif-2230	147	17	for	for	ADP
ejif-2230	147	18	computation	computation	NOUN
ejif-2230	147	19	of	of	ADP
ejif-2230	147	20	selling	sell	VERB
ejif-2230	147	21	price	price	NOUN
ejif-2230	147	22	rate	rate	NOUN
ejif-2230	147	23	is	be	AUX
ejif-2230	147	24	determined	determine	VERB
ejif-2230	147	25	upfront	upfront	ADJ
ejif-2230	147	26	i.e.	i.e.	X
ejif-2230	147	27	bfr	bfr	NOUN
ejif-2230	147	28	+	+	CCONJ
ejif-2230	147	29	4	4	NUM
ejif-2230	147	30	%	%	NOUN
ejif-2230	147	31	or	or	CCONJ
ejif-2230	147	32	10.00	10.00	NUM
ejif-2230	147	33	%	%	NOUN
ejif-2230	147	34	whichever	whichever	PRON
ejif-2230	147	35	is	be	AUX
ejif-2230	147	36	higher	high	ADJ
ejif-2230	147	37	upon	upon	SCONJ
ejif-2230	147	38	the	the	DET
ejif-2230	147	39	offer	offer	NOUN
ejif-2230	147	40	and	and	CCONJ
ejif-2230	147	41	acceptance	acceptance	NOUN
ejif-2230	147	42	of	of	ADP
ejif-2230	147	43	financing	financing	NOUN
ejif-2230	147	44	.	.	PUNCT
ejif-2230	148	1	this	this	DET
ejif-2230	148	2	selling	selling	NOUN
ejif-2230	148	3	price	price	NOUN
ejif-2230	148	4	or	or	CCONJ
ejif-2230	148	5	known	know	VERB
ejif-2230	148	6	as	as	ADP
ejif-2230	148	7	ceiling	ceiling	NOUN
ejif-2230	148	8	rate	rate	NOUN
ejif-2230	148	9	provides	provide	VERB
ejif-2230	148	10	the	the	DET
ejif-2230	148	11	customers	customer	NOUN
ejif-2230	148	12	with	with	ADP
ejif-2230	148	13	maximum	maximum	ADJ
ejif-2230	148	14	capping	capping	NOUN
ejif-2230	148	15	for	for	ADP
ejif-2230	148	16	the	the	DET
ejif-2230	148	17	total	total	ADJ
ejif-2230	148	18	amount	amount	NOUN
ejif-2230	148	19	of	of	ADP
ejif-2230	148	20	financing	financing	NOUN
ejif-2230	148	21	payment	payment	NOUN
ejif-2230	148	22	regardless	regardless	ADV
ejif-2230	148	23	of	of	ADP
ejif-2230	148	24	periodical	periodical	ADJ
ejif-2230	148	25	changes	change	NOUN
ejif-2230	148	26	in	in	ADP
ejif-2230	148	27	the	the	DET
ejif-2230	148	28	bfr	bfr	NOUN
ejif-2230	148	29	.	.	PUNCT
ejif-2230	149	1	(	(	PUNCT
ejif-2230	149	2	pds	pds	NOUN
ejif-2230	149	3	,	,	PUNCT
ejif-2230	149	4	pg.1	pg.1	NUM
ejif-2230	149	5	)	)	PUNCT
ejif-2230	149	6	no	no	DET
ejif-2230	149	7	gap	gap	NOUN
ejif-2230	149	8	–	–	PUNCT
ejif-2230	149	9	bfr	bfr	NOUN
ejif-2230	149	10	as	as	SCONJ
ejif-2230	149	11	the	the	DET
ejif-2230	149	12	benchmark	benchmark	NOUN
ejif-2230	149	13	ceiling	ceiling	NOUN
ejif-2230	149	14	rate	rate	NOUN
ejif-2230	149	15	is	be	AUX
ejif-2230	149	16	stated	state	VERB
ejif-2230	149	17	hsbc	hsbc	PROPN
ejif-2230	149	18	amanah	amanah	PROPN
ejif-2230	149	19	your	your	PRON
ejif-2230	149	20	monthly	monthly	ADJ
ejif-2230	149	21	payment	payment	NOUN
ejif-2230	149	22	and	and	CCONJ
ejif-2230	149	23	total	total	NOUN
ejif-2230	149	24	amount	amount	NOUN
ejif-2230	149	25	to	to	PART
ejif-2230	149	26	be	be	AUX
ejif-2230	149	27	paid	pay	VERB
ejif-2230	149	28	will	will	AUX
ejif-2230	149	29	vary	vary	VERB
ejif-2230	149	30	if	if	SCONJ
ejif-2230	149	31	the	the	DET
ejif-2230	149	32	br	br	X
ejif-2230	149	33	(	(	PUNCT
ejif-2230	149	34	base	base	NOUN
ejif-2230	149	35	rate	rate	NOUN
ejif-2230	149	36	)	)	PUNCT
ejif-2230	149	37	changes	change	NOUN
ejif-2230	149	38	.	.	PUNCT
ejif-2230	150	1	(	(	PUNCT
ejif-2230	150	2	pds	pds	NOUN
ejif-2230	150	3	,	,	PUNCT
ejif-2230	150	4	pg.2	pg.2	PROPN
ejif-2230	150	5	)	)	PUNCT
ejif-2230	150	6	the	the	DET
ejif-2230	150	7	home	home	NOUN
ejif-2230	150	8	smart	smart	ADJ
ejif-2230	150	9	-	-	PUNCT
ejif-2230	150	10	i	i	PRON
ejif-2230	150	11	profit	profit	NOUN
ejif-2230	150	12	rate	rate	NOUN
ejif-2230	150	13	is	be	AUX
ejif-2230	150	14	pegged	peg	VERB
ejif-2230	150	15	to	to	PART
ejif-2230	150	16	base	base	VERB
ejif-2230	150	17	financing	financing	NOUN
ejif-2230	150	18	rate	rate	NOUN
ejif-2230	150	19	(	(	PUNCT
ejif-2230	150	20	bfr	bfr	PROPN
ejif-2230	150	21	)	)	PUNCT
ejif-2230	150	22	with	with	ADP
ejif-2230	150	23	a	a	DET
ejif-2230	150	24	spread	spread	ADJ
ejif-2230	150	25	(	(	PUNCT
ejif-2230	150	26	pds	pds	NOUN
ejif-2230	150	27	,	,	PUNCT
ejif-2230	150	28	pg.1	pg.1	PROPN
ejif-2230	150	29	)	)	PUNCT
ejif-2230	150	30	.	.	PUNCT
ejif-2230	151	1	effective	effective	ADJ
ejif-2230	151	2	from	from	ADP
ejif-2230	151	3	2	2	NUM
ejif-2230	151	4	january	january	NOUN
ejif-2230	151	5	2015	2015	NUM
ejif-2230	151	6	,	,	PUNCT
ejif-2230	151	7	the	the	DET
ejif-2230	151	8	home	home	NOUN
ejif-2230	151	9	smart	smart	ADJ
ejif-2230	151	10	-	-	PUNCT
ejif-2230	151	11	i	i	PRON
ejif-2230	151	12	profit	profit	NOUN
ejif-2230	151	13	rate	rate	NOUN
ejif-2230	151	14	is	be	AUX
ejif-2230	151	15	pegged	peg	VERB
ejif-2230	151	16	to	to	PART
ejif-2230	151	17	base	base	VERB
ejif-2230	151	18	rate	rate	NOUN
ejif-2230	151	19	(	(	PUNCT
ejif-2230	151	20	br	br	NOUN
ejif-2230	151	21	)	)	PUNCT
ejif-2230	151	22	with	with	ADP
ejif-2230	151	23	a	a	DET
ejif-2230	151	24	spread	spread	NOUN
ejif-2230	151	25	.	.	PUNCT
ejif-2230	152	1	no	no	DET
ejif-2230	152	2	gap	gap	NOUN
ejif-2230	152	3	–	–	PUNCT
ejif-2230	152	4	br	br	NOUN
ejif-2230	152	5	as	as	SCONJ
ejif-2230	152	6	the	the	DET
ejif-2230	152	7	benchmark	benchmark	NOUN
ejif-2230	152	8	ceiling	ceiling	NOUN
ejif-2230	152	9	rate	rate	NOUN
ejif-2230	152	10	is	be	AUX
ejif-2230	152	11	not	not	PART
ejif-2230	152	12	stated	state	VERB
ejif-2230	152	13	comment	comment	NOUN
ejif-2230	152	14	bnm	bnm	PROPN
ejif-2230	152	15	stated	state	VERB
ejif-2230	152	16	that	that	SCONJ
ejif-2230	152	17	rental	rental	ADJ
ejif-2230	152	18	amount	amount	NOUN
ejif-2230	152	19	of	of	ADP
ejif-2230	152	20	mm	mm	PROPN
ejif-2230	152	21	can	can	AUX
ejif-2230	152	22	be	be	AUX
ejif-2230	152	23	determined	determine	VERB
ejif-2230	152	24	fixed	fix	VERB
ejif-2230	152	25	amount	amount	NOUN
ejif-2230	152	26	,	,	PUNCT
ejif-2230	152	27	reference	reference	NOUN
ejif-2230	152	28	to	to	ADP
ejif-2230	152	29	specified	specify	VERB
ejif-2230	152	30	benchmarks	benchmark	NOUN
ejif-2230	152	31	,	,	PUNCT
ejif-2230	152	32	or	or	CCONJ
ejif-2230	152	33	combination	combination	NOUN
ejif-2230	152	34	of	of	ADP
ejif-2230	152	35	both	both	PRON
ejif-2230	152	36	.	.	PUNCT
ejif-2230	153	1	maybank	maybank	PROPN
ejif-2230	153	2	islamic	islamic	PROPN
ejif-2230	153	3	and	and	CCONJ
ejif-2230	153	4	hsbc	hsbc	PROPN
ejif-2230	153	5	amanah	amanah	PROPN
ejif-2230	153	6	follow	follow	VERB
ejif-2230	153	7	the	the	DET
ejif-2230	153	8	guidance	guidance	NOUN
ejif-2230	153	9	to	to	PART
ejif-2230	153	10	determine	determine	VERB
ejif-2230	153	11	the	the	DET
ejif-2230	153	12	rental	rental	ADJ
ejif-2230	153	13	amount	amount	NOUN
ejif-2230	153	14	.	.	PUNCT
ejif-2230	154	1	therefore	therefore	ADV
ejif-2230	154	2	,	,	PUNCT
ejif-2230	154	3	there	there	PRON
ejif-2230	154	4	is	be	VERB
ejif-2230	154	5	no	no	DET
ejif-2230	154	6	gap	gap	NOUN
ejif-2230	154	7	in	in	ADP
ejif-2230	154	8	term	term	NOUN
ejif-2230	154	9	of	of	ADP
ejif-2230	154	10	method	method	NOUN
ejif-2230	154	11	between	between	ADP
ejif-2230	154	12	bnm	bnm	PROPN
ejif-2230	154	13	regulation	regulation	NOUN
ejif-2230	154	14	and	and	CCONJ
ejif-2230	154	15	bank	bank	NOUN
ejif-2230	154	16	practices	practice	NOUN
ejif-2230	154	17	.	.	PUNCT
ejif-2230	155	1	however	however	ADV
ejif-2230	155	2	,	,	PUNCT
ejif-2230	155	3	maybank	maybank	PROPN
ejif-2230	155	4	islamic	islamic	PROPN
ejif-2230	155	5	and	and	CCONJ
ejif-2230	155	6	hsbc	hsbc	PROPN
ejif-2230	155	7	use	use	VERB
ejif-2230	155	8	different	different	ADJ
ejif-2230	155	9	approach	approach	NOUN
ejif-2230	155	10	for	for	ADP
ejif-2230	155	11	their	their	PRON
ejif-2230	155	12	rate	rate	NOUN
ejif-2230	155	13	.	.	PUNCT
ejif-2230	156	1	maybank	maybank	PROPN
ejif-2230	156	2	islamic	islamic	ADJ
ejif-2230	156	3	use	use	NOUN
ejif-2230	156	4	bfr	bfr	NOUN
ejif-2230	156	5	and	and	CCONJ
ejif-2230	156	6	hsbc	hsbc	PROPN
ejif-2230	156	7	amanah	amanah	PROPN
ejif-2230	156	8	use	use	VERB
ejif-2230	156	9	br	br	NOUN
ejif-2230	156	10	as	as	ADP
ejif-2230	156	11	the	the	DET
ejif-2230	156	12	recent	recent	ADJ
ejif-2230	156	13	reference	reference	NOUN
ejif-2230	156	14	rate	rate	NOUN
ejif-2230	156	15	.	.	PUNCT
ejif-2230	157	1	since	since	SCONJ
ejif-2230	157	2	both	both	DET
ejif-2230	157	3	banks	bank	NOUN
ejif-2230	157	4	using	use	VERB
ejif-2230	157	5	br	br	NOUN
ejif-2230	157	6	and	and	CCONJ
ejif-2230	157	7	bfr	bfr	NOUN
ejif-2230	157	8	,	,	PUNCT
ejif-2230	157	9	question	question	NOUN
ejif-2230	157	10	arise	arise	NOUN
ejif-2230	157	11	which	which	DET
ejif-2230	157	12	one	one	NOUN
ejif-2230	157	13	is	be	AUX
ejif-2230	157	14	better	well	ADJ
ejif-2230	157	15	for	for	ADP
ejif-2230	157	16	the	the	DET
ejif-2230	157	17	customer	customer	NOUN
ejif-2230	157	18	,	,	PUNCT
ejif-2230	157	19	bank	bank	NOUN
ejif-2230	157	20	,	,	PUNCT
ejif-2230	157	21	and	and	CCONJ
ejif-2230	157	22	its	its	PRON
ejif-2230	157	23	shareholders	shareholder	NOUN
ejif-2230	157	24	.	.	PUNCT
ejif-2230	158	1	e.	e.	PROPN
ejif-2230	158	2	pledge	pledge	PROPN
ejif-2230	158	3	institution	institution	PROPN
ejif-2230	158	4	information	information	NOUN
ejif-2230	158	5	note	note	VERB
ejif-2230	158	6	bnm	bnm	PROPN
ejif-2230	158	7	regulation	regulation	NOUN
ejif-2230	158	8	a	a	DET
ejif-2230	158	9	partner	partner	NOUN
ejif-2230	158	10	may	may	AUX
ejif-2230	158	11	pledge	pledge	VERB
ejif-2230	158	12	his	his	PRON
ejif-2230	158	13	ownership	ownership	NOUN
ejif-2230	158	14	share	share	NOUN
ejif-2230	158	15	of	of	ADP
ejif-2230	158	16	the	the	DET
ejif-2230	158	17	completed	complete	VERB
ejif-2230	158	18	asset	asset	NOUN
ejif-2230	158	19	as	as	ADP
ejif-2230	158	20	collateral	collateral	NOUN
ejif-2230	158	21	to	to	ADP
ejif-2230	158	22	the	the	DET
ejif-2230	158	23	other	other	ADJ
ejif-2230	158	24	partners	partner	NOUN
ejif-2230	158	25	(	(	PUNCT
ejif-2230	158	26	bnm	bnm	PROPN
ejif-2230	158	27	regulation	regulation	NOUN
ejif-2230	158	28	,	,	PUNCT
ejif-2230	158	29	2015	2015	NUM
ejif-2230	158	30	,	,	PUNCT
ejif-2230	158	31	musyarakah	musyarakah	PROPN
ejif-2230	158	32	,	,	PUNCT
ejif-2230	158	33	22.8	22.8	NUM
ejif-2230	158	34	)	)	PUNCT
ejif-2230	158	35	.	.	PUNCT
ejif-2230	159	1	guidance	guidance	NOUN
ejif-2230	159	2	–	–	PUNCT
ejif-2230	159	3	customer	customer	NOUN
ejif-2230	159	4	pledge	pledge	VERB
ejif-2230	159	5	his	his	PRON
ejif-2230	159	6	ownership	ownership	NOUN
ejif-2230	159	7	for	for	ADP
ejif-2230	159	8	security	security	NOUN
ejif-2230	159	9	purpose	purpose	NOUN
ejif-2230	159	10	maybank	maybank	PROPN
ejif-2230	159	11	islamic	islamic	PROPN
ejif-2230	159	12	this	this	DET
ejif-2230	159	13	facility	facility	NOUN
ejif-2230	159	14	is	be	AUX
ejif-2230	159	15	secured	secure	VERB
ejif-2230	159	16	against	against	ADP
ejif-2230	159	17	residential	residential	ADJ
ejif-2230	159	18	or	or	CCONJ
ejif-2230	159	19	commercial	commercial	ADJ
ejif-2230	159	20	properties	property	NOUN
ejif-2230	159	21	.	.	PUNCT
ejif-2230	160	1	nonetheless	nonetheless	ADV
ejif-2230	160	2	,	,	PUNCT
ejif-2230	160	3	additional	additional	ADJ
ejif-2230	160	4	security	security	NOUN
ejif-2230	160	5	such	such	ADJ
ejif-2230	160	6	as	as	ADP
ejif-2230	160	7	fixed	fix	VERB
ejif-2230	160	8	deposits	deposit	NOUN
ejif-2230	160	9	,	,	PUNCT
ejif-2230	160	10	guarantors	guarantor	NOUN
ejif-2230	160	11	,	,	PUNCT
ejif-2230	160	12	etc	etc	X
ejif-2230	160	13	.	.	X
ejif-2230	160	14	may	may	AUX
ejif-2230	160	15	be	be	AUX
ejif-2230	160	16	requested	request	VERB
ejif-2230	160	17	depending	depend	VERB
ejif-2230	160	18	on	on	ADP
ejif-2230	160	19	the	the	DET
ejif-2230	160	20	credit	credit	NOUN
ejif-2230	160	21	assessment	assessment	NOUN
ejif-2230	160	22	.	.	PUNCT
ejif-2230	161	1	gap	gap	NOUN
ejif-2230	161	2	–	–	PUNCT
ejif-2230	161	3	different	different	ADJ
ejif-2230	161	4	approach	approach	NOUN
ejif-2230	161	5	for	for	ADP
ejif-2230	161	6	pledge	pledge	NOUN
ejif-2230	161	7	hsbc	hsbc	PROPN
ejif-2230	161	8	amanah	amanah	PROPN
ejif-2230	161	9	customer	customer	NOUN
ejif-2230	161	10	are	be	AUX
ejif-2230	161	11	pledging	pledge	VERB
ejif-2230	161	12	the	the	DET
ejif-2230	161	13	house	house	NOUN
ejif-2230	161	14	as	as	ADP
ejif-2230	161	15	a	a	DET
ejif-2230	161	16	security	security	NOUN
ejif-2230	161	17	for	for	ADP
ejif-2230	161	18	this	this	DET
ejif-2230	161	19	financing	financing	NOUN
ejif-2230	161	20	(	(	PUNCT
ejif-2230	161	21	pds	pds	NOUN
ejif-2230	161	22	,	,	PUNCT
ejif-2230	161	23	pg.1	pg.1	PROPN
ejif-2230	161	24	)	)	PUNCT
ejif-2230	161	25	.	.	PUNCT
ejif-2230	162	1	no	no	DET
ejif-2230	162	2	gap	gap	NOUN
ejif-2230	162	3	–	–	PUNCT
ejif-2230	162	4	exactly	exactly	ADV
ejif-2230	162	5	2maybank2u.com	2maybank2u.com	NUM
ejif-2230	162	6	musharakah	musharakah	PROPN
ejif-2230	162	7	mutanaqisah	mutanaqisah	PROPN
ejif-2230	162	8	term	term	NOUN
ejif-2230	162	9	financingi	financingi	PROPN
ejif-2230	162	10	(	(	PUNCT
ejif-2230	162	11	mmtfi	mmtfi	NOUN
ejif-2230	162	12	)	)	PUNCT
ejif-2230	162	13	ejif	ejif	PROPN
ejif-2230	162	14	–	–	PUNCT
ejif-2230	162	15	european	european	PROPN
ejif-2230	162	16	journal	journal	PROPN
ejif-2230	162	17	of	of	ADP
ejif-2230	162	18	islamic	islamic	PROPN
ejif-2230	162	19	finance	finance	PROPN
ejif-2230	162	20	no8	no8	PROPN
ejif-2230	162	21	,	,	PUNCT
ejif-2230	162	22	december	december	PROPN
ejif-2230	162	23	(	(	PUNCT
ejif-2230	162	24	2017	2017	NUM
ejif-2230	162	25	)	)	PUNCT
ejif-2230	163	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	163	2	issn	issn	VERB
ejif-2230	163	3	2421	2421	NUM
ejif-2230	163	4	-	-	SYM
ejif-2230	163	5	2172	2172	NUM
ejif-2230	163	6	6	6	NUM
ejif-2230	163	7	following	follow	VERB
ejif-2230	163	8	bnm	bnm	PROPN
ejif-2230	163	9	guidance	guidance	NOUN
ejif-2230	163	10	comment	comment	NOUN
ejif-2230	163	11	bnm	bnm	PROPN
ejif-2230	163	12	regulation	regulation	NOUN
ejif-2230	163	13	stated	state	VERB
ejif-2230	163	14	guidance	guidance	NOUN
ejif-2230	163	15	(	(	PUNCT
ejif-2230	163	16	g	g	NOUN
ejif-2230	163	17	)	)	PUNCT
ejif-2230	163	18	that	that	SCONJ
ejif-2230	163	19	the	the	DET
ejif-2230	163	20	customer	customer	NOUN
ejif-2230	163	21	may	may	AUX
ejif-2230	163	22	pledge	pledge	VERB
ejif-2230	163	23	his	his	PRON
ejif-2230	163	24	ownership	ownership	NOUN
ejif-2230	163	25	share	share	NOUN
ejif-2230	163	26	to	to	ADP
ejif-2230	163	27	the	the	DET
ejif-2230	163	28	bank	bank	NOUN
ejif-2230	163	29	.	.	PUNCT
ejif-2230	164	1	hsbc	hsbc	PROPN
ejif-2230	164	2	amanah	amanah	PROPN
ejif-2230	164	3	requires	require	VERB
ejif-2230	164	4	the	the	DET
ejif-2230	164	5	customer	customer	NOUN
ejif-2230	164	6	to	to	PART
ejif-2230	164	7	pledge	pledge	VERB
ejif-2230	164	8	the	the	DET
ejif-2230	164	9	property	property	NOUN
ejif-2230	164	10	as	as	ADP
ejif-2230	164	11	the	the	DET
ejif-2230	164	12	security	security	NOUN
ejif-2230	164	13	in	in	ADP
ejif-2230	164	14	the	the	DET
ejif-2230	164	15	financing	financing	NOUN
ejif-2230	164	16	arrangement	arrangement	NOUN
ejif-2230	164	17	.	.	PUNCT
ejif-2230	165	1	however	however	ADV
ejif-2230	165	2	,	,	PUNCT
ejif-2230	165	3	maybank	maybank	PROPN
ejif-2230	165	4	islamic	islamic	PROPN
ejif-2230	165	5	state	state	PROPN
ejif-2230	165	6	some	some	DET
ejif-2230	165	7	security	security	NOUN
ejif-2230	165	8	arrangement	arrangement	NOUN
ejif-2230	165	9	at	at	ADP
ejif-2230	165	10	the	the	DET
ejif-2230	165	11	time	time	NOUN
ejif-2230	165	12	of	of	ADP
ejif-2230	165	13	mm	mm	PROPN
ejif-2230	165	14	contract	contract	NOUN
ejif-2230	165	15	,	,	PUNCT
ejif-2230	165	16	not	not	PART
ejif-2230	165	17	specifically	specifically	ADV
ejif-2230	165	18	related	relate	VERB
ejif-2230	165	19	to	to	ADP
ejif-2230	165	20	pledging	pledge	VERB
ejif-2230	165	21	of	of	ADP
ejif-2230	165	22	ownership	ownership	NOUN
ejif-2230	165	23	.	.	PUNCT
ejif-2230	166	1	since	since	SCONJ
ejif-2230	166	2	,	,	PUNCT
ejif-2230	166	3	it	it	PRON
ejif-2230	166	4	is	be	AUX
ejif-2230	166	5	only	only	ADV
ejif-2230	166	6	the	the	DET
ejif-2230	166	7	guidance	guidance	NOUN
ejif-2230	166	8	by	by	ADP
ejif-2230	166	9	the	the	DET
ejif-2230	166	10	bnm	bnm	PROPN
ejif-2230	166	11	,	,	PUNCT
ejif-2230	166	12	maybank	maybank	PROPN
ejif-2230	166	13	islamic	islamic	PROPN
ejif-2230	166	14	does	do	AUX
ejif-2230	166	15	not	not	PART
ejif-2230	166	16	follow	follow	VERB
ejif-2230	166	17	strictly	strictly	ADV
ejif-2230	166	18	.	.	PUNCT
ejif-2230	167	1	this	this	DET
ejif-2230	167	2	difference	difference	NOUN
ejif-2230	167	3	can	can	AUX
ejif-2230	167	4	not	not	PART
ejif-2230	167	5	be	be	AUX
ejif-2230	167	6	considered	consider	VERB
ejif-2230	167	7	as	as	ADP
ejif-2230	167	8	a	a	DET
ejif-2230	167	9	major	major	ADJ
ejif-2230	167	10	gap	gap	NOUN
ejif-2230	167	11	.	.	PUNCT
ejif-2230	168	1	however	however	ADV
ejif-2230	168	2	,	,	PUNCT
ejif-2230	168	3	it	it	PRON
ejif-2230	168	4	is	be	AUX
ejif-2230	168	5	important	important	ADJ
ejif-2230	168	6	to	to	PART
ejif-2230	168	7	note	note	VERB
ejif-2230	168	8	here	here	ADV
ejif-2230	168	9	that	that	SCONJ
ejif-2230	168	10	pledging	pledge	VERB
ejif-2230	168	11	the	the	DET
ejif-2230	168	12	asset	asset	NOUN
ejif-2230	168	13	is	be	AUX
ejif-2230	168	14	more	more	ADV
ejif-2230	168	15	useful	useful	ADJ
ejif-2230	168	16	for	for	ADP
ejif-2230	168	17	the	the	DET
ejif-2230	168	18	bank	bank	NOUN
ejif-2230	168	19	because	because	SCONJ
ejif-2230	168	20	the	the	DET
ejif-2230	168	21	title	title	NOUN
ejif-2230	168	22	ownership	ownership	NOUN
ejif-2230	168	23	of	of	ADP
ejif-2230	168	24	the	the	DET
ejif-2230	168	25	house	house	NOUN
ejif-2230	168	26	registered	register	VERB
ejif-2230	168	27	in	in	ADP
ejif-2230	168	28	malaysia	malaysia	PROPN
ejif-2230	168	29	under	under	ADP
ejif-2230	168	30	the	the	DET
ejif-2230	168	31	customer	customer	NOUN
ejif-2230	168	32	’s	’s	PART
ejif-2230	168	33	name	name	NOUN
ejif-2230	168	34	as	as	ADP
ejif-2230	168	35	the	the	DET
ejif-2230	168	36	legal	legal	ADJ
ejif-2230	168	37	owner	owner	NOUN
ejif-2230	168	38	.	.	PUNCT
ejif-2230	169	1	it	it	PRON
ejif-2230	169	2	might	might	AUX
ejif-2230	169	3	carry	carry	VERB
ejif-2230	169	4	severe	severe	ADJ
ejif-2230	169	5	problem	problem	NOUN
ejif-2230	169	6	.	.	PUNCT
ejif-2230	170	1	f.	f.	PROPN
ejif-2230	170	2	early	early	ADJ
ejif-2230	170	3	payment	payment	NOUN
ejif-2230	170	4	institution	institution	NOUN
ejif-2230	170	5	information	information	NOUN
ejif-2230	170	6	note	note	NOUN
ejif-2230	170	7	bnm	bnm	PROPN
ejif-2230	170	8	regulation	regulation	NOUN
ejif-2230	170	9	where	where	SCONJ
ejif-2230	170	10	the	the	DET
ejif-2230	170	11	customer	customer	NOUN
ejif-2230	170	12	wishes	wish	VERB
ejif-2230	170	13	to	to	PART
ejif-2230	170	14	make	make	VERB
ejif-2230	170	15	an	an	DET
ejif-2230	170	16	early	early	ADJ
ejif-2230	170	17	settlement	settlement	NOUN
ejif-2230	170	18	of	of	ADP
ejif-2230	170	19	the	the	DET
ejif-2230	170	20	musyarakah	musyarakah	PROPN
ejif-2230	170	21	financing	financing	NOUN
ejif-2230	170	22	,	,	PUNCT
ejif-2230	170	23	the	the	DET
ejif-2230	170	24	amount	amount	NOUN
ejif-2230	170	25	to	to	PART
ejif-2230	170	26	be	be	AUX
ejif-2230	170	27	paid	pay	VERB
ejif-2230	170	28	to	to	ADP
ejif-2230	170	29	the	the	DET
ejif-2230	170	30	ifi	ifi	NOUN
ejif-2230	170	31	shall	shall	AUX
ejif-2230	170	32	be	be	AUX
ejif-2230	170	33	the	the	DET
ejif-2230	170	34	outstanding	outstanding	ADJ
ejif-2230	170	35	amount	amount	NOUN
ejif-2230	170	36	(	(	PUNCT
ejif-2230	170	37	principal	principal	NOUN
ejif-2230	170	38	plus	plus	CCONJ
ejif-2230	170	39	accrued	accrue	VERB
ejif-2230	170	40	profit	profit	NOUN
ejif-2230	170	41	)	)	PUNCT
ejif-2230	170	42	(	(	PUNCT
ejif-2230	170	43	bnm	bnm	PROPN
ejif-2230	170	44	regulation	regulation	NOUN
ejif-2230	170	45	,	,	PUNCT
ejif-2230	170	46	2015	2015	NUM
ejif-2230	170	47	,	,	PUNCT
ejif-2230	170	48	musyarakah	musyarakah	PROPN
ejif-2230	170	49	,	,	PUNCT
ejif-2230	170	50	34.1	34.1	NUM
ejif-2230	170	51	)	)	PUNCT
ejif-2230	170	52	.	.	PUNCT
ejif-2230	171	1	an	an	DET
ejif-2230	171	2	ifi	ifi	PROPN
ejif-2230	171	3	shall	shall	AUX
ejif-2230	171	4	not	not	PART
ejif-2230	171	5	claim	claim	VERB
ejif-2230	171	6	any	any	DET
ejif-2230	171	7	penalty	penalty	NOUN
ejif-2230	171	8	charges	charge	NOUN
ejif-2230	171	9	or	or	CCONJ
ejif-2230	171	10	impose	impose	VERB
ejif-2230	171	11	any	any	DET
ejif-2230	171	12	other	other	ADJ
ejif-2230	171	13	charges	charge	NOUN
ejif-2230	171	14	on	on	ADP
ejif-2230	171	15	the	the	DET
ejif-2230	171	16	customer	customer	NOUN
ejif-2230	171	17	unless	unless	SCONJ
ejif-2230	171	18	the	the	DET
ejif-2230	171	19	charges	charge	NOUN
ejif-2230	171	20	represent	represent	VERB
ejif-2230	171	21	the	the	DET
ejif-2230	171	22	costs	cost	NOUN
ejif-2230	171	23	incurred	incur	VERB
ejif-2230	171	24	by	by	ADP
ejif-2230	171	25	the	the	DET
ejif-2230	171	26	ifi	ifi	NOUN
ejif-2230	171	27	due	due	ADP
ejif-2230	171	28	to	to	ADP
ejif-2230	171	29	early	early	ADJ
ejif-2230	171	30	settlement	settlement	NOUN
ejif-2230	171	31	by	by	ADP
ejif-2230	171	32	the	the	DET
ejif-2230	171	33	customer	customer	NOUN
ejif-2230	171	34	.	.	PUNCT
ejif-2230	172	1	the	the	DET
ejif-2230	172	2	reasonable	reasonable	ADJ
ejif-2230	172	3	estimation	estimation	NOUN
ejif-2230	172	4	of	of	ADP
ejif-2230	172	5	costs	cost	NOUN
ejif-2230	172	6	to	to	PART
ejif-2230	172	7	be	be	AUX
ejif-2230	172	8	incurred	incur	VERB
ejif-2230	172	9	must	must	AUX
ejif-2230	172	10	be	be	AUX
ejif-2230	172	11	in	in	ADP
ejif-2230	172	12	line	line	NOUN
ejif-2230	172	13	with	with	ADP
ejif-2230	172	14	the	the	DET
ejif-2230	172	15	guidelines	guideline	NOUN
ejif-2230	172	16	on	on	ADP
ejif-2230	172	17	ibra	ibra	NOUN
ejif-2230	172	18	’	'	PUNCT
ejif-2230	172	19	(	(	PUNCT
ejif-2230	172	20	rebate	rebate	NOUN
ejif-2230	172	21	)	)	PUNCT
ejif-2230	172	22	for	for	ADP
ejif-2230	172	23	salebased	salebased	ADJ
ejif-2230	172	24	financing	financing	NOUN
ejif-2230	172	25	(	(	PUNCT
ejif-2230	172	26	bnm	bnm	PROPN
ejif-2230	172	27	regulation	regulation	NOUN
ejif-2230	172	28	,	,	PUNCT
ejif-2230	172	29	2015	2015	NUM
ejif-2230	172	30	,	,	PUNCT
ejif-2230	172	31	musyarakah	musyarakah	PROPN
ejif-2230	172	32	,	,	PUNCT
ejif-2230	172	33	34.2	34.2	NUM
ejif-2230	172	34	)	)	PUNCT
ejif-2230	172	35	.	.	PUNCT
ejif-2230	173	1	standard	standard	PROPN
ejif-2230	173	2	–	–	PUNCT
ejif-2230	173	3	islamic	islamic	PROPN
ejif-2230	173	4	bank	bank	PROPN
ejif-2230	173	5	can	can	AUX
ejif-2230	173	6	not	not	PART
ejif-2230	173	7	charge	charge	VERB
ejif-2230	173	8	early	early	ADJ
ejif-2230	173	9	settlement	settlement	NOUN
ejif-2230	173	10	fee	fee	NOUN
ejif-2230	173	11	maybank	maybank	PROPN
ejif-2230	173	12	islamic	islamic	PROPN
ejif-2230	173	13	no	no	DET
ejif-2230	173	14	early	early	ADJ
ejif-2230	173	15	settlement	settlement	NOUN
ejif-2230	173	16	fee	fee	NOUN
ejif-2230	173	17	will	will	AUX
ejif-2230	173	18	be	be	AUX
ejif-2230	173	19	charged	charge	VERB
ejif-2230	173	20	(	(	PUNCT
ejif-2230	173	21	pds	pds	NOUN
ejif-2230	173	22	,	,	PUNCT
ejif-2230	173	23	point	point	NOUN
ejif-2230	173	24	7	7	NUM
ejif-2230	173	25	,	,	PUNCT
ejif-2230	173	26	pg.4	pg.4	NUM
ejif-2230	173	27	)	)	PUNCT
ejif-2230	173	28	customer	customer	NOUN
ejif-2230	173	29	will	will	AUX
ejif-2230	173	30	need	need	VERB
ejif-2230	173	31	to	to	PART
ejif-2230	173	32	pay	pay	VERB
ejif-2230	173	33	the	the	DET
ejif-2230	173	34	outstanding	outstanding	ADJ
ejif-2230	173	35	balance	balance	NOUN
ejif-2230	173	36	,	,	PUNCT
ejif-2230	173	37	current	current	ADJ
ejif-2230	173	38	monthly	monthly	ADJ
ejif-2230	173	39	profit	profit	NOUN
ejif-2230	173	40	and	and	CCONJ
ejif-2230	173	41	any	any	DET
ejif-2230	173	42	amount	amount	NOUN
ejif-2230	173	43	due	due	ADJ
ejif-2230	173	44	and	and	CCONJ
ejif-2230	173	45	payable	payable	ADJ
ejif-2230	173	46	to	to	ADP
ejif-2230	173	47	the	the	DET
ejif-2230	173	48	bank	bank	NOUN
ejif-2230	173	49	(	(	PUNCT
ejif-2230	173	50	pds	pds	NOUN
ejif-2230	173	51	,	,	PUNCT
ejif-2230	173	52	point	point	NOUN
ejif-2230	173	53	7	7	NUM
ejif-2230	173	54	,	,	PUNCT
ejif-2230	173	55	pg.4	pg.4	NUM
ejif-2230	173	56	)	)	PUNCT
ejif-2230	173	57	no	no	DET
ejif-2230	173	58	gap	gap	NOUN
ejif-2230	173	59	–	–	PUNCT
ejif-2230	173	60	no	no	DET
ejif-2230	173	61	early	early	ADJ
ejif-2230	173	62	settlement	settlement	NOUN
ejif-2230	173	63	fee	fee	NOUN
ejif-2230	173	64	charged	charge	VERB
ejif-2230	173	65	hsbc	hsbc	PROPN
ejif-2230	173	66	amanah	amanah	PROPN
ejif-2230	173	67	early	early	ADJ
ejif-2230	173	68	termination	termination	NOUN
ejif-2230	173	69	fee	fee	NOUN
ejif-2230	173	70	=	=	PUNCT
ejif-2230	173	71	(	(	PUNCT
ejif-2230	173	72	2	2	NUM
ejif-2230	173	73	%	%	NOUN
ejif-2230	173	74	x	x	NOUN
ejif-2230	173	75	facility	facility	NOUN
ejif-2230	173	76	amount	amount	NOUN
ejif-2230	173	77	x	x	NOUN
ejif-2230	173	78	number	number	NOUN
ejif-2230	173	79	of	of	ADP
ejif-2230	173	80	remaining	remain	VERB
ejif-2230	173	81	months	month	NOUN
ejif-2230	173	82	within	within	ADP
ejif-2230	173	83	the	the	DET
ejif-2230	173	84	lock	lock	NOUN
ejif-2230	173	85	-	-	PUNCT
ejif-2230	173	86	in	in	ADP
ejif-2230	173	87	period	period	NOUN
ejif-2230	173	88	)	)	PUNCT
ejif-2230	173	89	/	/	SYM
ejif-2230	173	90	total	total	ADJ
ejif-2230	173	91	lock	lock	NOUN
ejif-2230	173	92	-	-	PUNCT
ejif-2230	173	93	in	in	ADP
ejif-2230	173	94	period	period	NOUN
ejif-2230	173	95	in	in	ADP
ejif-2230	173	96	months	month	NOUN
ejif-2230	173	97	(	(	PUNCT
ejif-2230	173	98	pds	pds	NOUN
ejif-2230	173	99	,	,	PUNCT
ejif-2230	173	100	point	point	NOUN
ejif-2230	173	101	6	6	NUM
ejif-2230	173	102	,	,	PUNCT
ejif-2230	173	103	pg.3	pg.3	PROPN
ejif-2230	173	104	)	)	PUNCT
ejif-2230	173	105	customers	customer	NOUN
ejif-2230	173	106	can	can	AUX
ejif-2230	173	107	request	request	VERB
ejif-2230	173	108	for	for	ADP
ejif-2230	173	109	early	early	ADJ
ejif-2230	173	110	settlement	settlement	NOUN
ejif-2230	173	111	and	and	CCONJ
ejif-2230	173	112	redeem	redeem	VERB
ejif-2230	173	113	the	the	DET
ejif-2230	173	114	financing	financing	NOUN
ejif-2230	173	115	by	by	ADP
ejif-2230	173	116	providing	provide	VERB
ejif-2230	173	117	the	the	DET
ejif-2230	173	118	bank	bank	NOUN
ejif-2230	173	119	1	1	NUM
ejif-2230	173	120	month	month	NOUN
ejif-2230	173	121	written	write	VERB
ejif-2230	173	122	notice	notice	NOUN
ejif-2230	173	123	or	or	CCONJ
ejif-2230	173	124	pay	pay	VERB
ejif-2230	173	125	1	1	NUM
ejif-2230	173	126	month	month	NOUN
ejif-2230	173	127	profit	profit	NOUN
ejif-2230	173	128	in	in	ADP
ejif-2230	173	129	lieu	lieu	NOUN
ejif-2230	173	130	of	of	ADP
ejif-2230	173	131	notice	notice	NOUN
ejif-2230	173	132	.	.	PUNCT
ejif-2230	174	1	if	if	SCONJ
ejif-2230	174	2	home	home	NOUN
ejif-2230	174	3	smart	smart	ADJ
ejif-2230	174	4	-	-	PUNCT
ejif-2230	174	5	i	i	PRON
ejif-2230	174	6	financing	financing	NOUN
ejif-2230	174	7	is	be	AUX
ejif-2230	174	8	still	still	ADV
ejif-2230	174	9	within	within	ADP
ejif-2230	174	10	the	the	DET
ejif-2230	174	11	lock	lock	NOUN
ejif-2230	174	12	-	-	PUNCT
ejif-2230	174	13	in	in	ADP
ejif-2230	174	14	period	period	NOUN
ejif-2230	174	15	,	,	PUNCT
ejif-2230	174	16	customers	customer	NOUN
ejif-2230	174	17	are	be	AUX
ejif-2230	174	18	required	require	VERB
ejif-2230	174	19	to	to	PART
ejif-2230	174	20	pay	pay	VERB
ejif-2230	174	21	the	the	DET
ejif-2230	174	22	early	early	ADJ
ejif-2230	174	23	settlement	settlement	NOUN
ejif-2230	174	24	charges	charge	NOUN
ejif-2230	174	25	(	(	PUNCT
ejif-2230	174	26	hsbc	hsbc	PROPN
ejif-2230	174	27	faq	faq	NOUN
ejif-2230	174	28	,	,	PUNCT
ejif-2230	174	29	point	point	NOUN
ejif-2230	174	30	8	8	NUM
ejif-2230	174	31	,	,	PUNCT
ejif-2230	174	32	pg.2	pg.2	PROPN
ejif-2230	174	33	)	)	PUNCT
ejif-2230	174	34	gap	gap	NOUN
ejif-2230	174	35	:	:	PUNCT
ejif-2230	174	36	early	early	ADJ
ejif-2230	174	37	terminati	terminati	NOUN
ejif-2230	174	38	on	on	ADP
ejif-2230	174	39	fee	fee	NOUN
ejif-2230	174	40	comment	comment	NOUN
ejif-2230	174	41	based	base	VERB
ejif-2230	174	42	on	on	ADP
ejif-2230	174	43	bnm	bnm	PROPN
ejif-2230	174	44	regulation	regulation	NOUN
ejif-2230	174	45	,	,	PUNCT
ejif-2230	174	46	bank	bank	PROPN
ejif-2230	174	47	has	have	VERB
ejif-2230	174	48	no	no	DET
ejif-2230	174	49	right	right	NOUN
ejif-2230	174	50	to	to	PART
ejif-2230	174	51	charge	charge	VERB
ejif-2230	174	52	early	early	ADJ
ejif-2230	174	53	settlement	settlement	NOUN
ejif-2230	174	54	fee	fee	NOUN
ejif-2230	174	55	.	.	PUNCT
ejif-2230	175	1	maybank	maybank	PROPN
ejif-2230	175	2	islamic	islamic	PROPN
ejif-2230	175	3	comply	comply	ADV
ejif-2230	175	4	by	by	ADP
ejif-2230	175	5	not	not	PART
ejif-2230	175	6	charging	charge	VERB
ejif-2230	175	7	early	early	ADJ
ejif-2230	175	8	settlement	settlement	NOUN
ejif-2230	175	9	fee	fee	NOUN
ejif-2230	175	10	but	but	CCONJ
ejif-2230	175	11	customers	customer	NOUN
ejif-2230	175	12	have	have	VERB
ejif-2230	175	13	to	to	PART
ejif-2230	175	14	pay	pay	VERB
ejif-2230	175	15	outstanding	outstanding	ADJ
ejif-2230	175	16	balance	balance	NOUN
ejif-2230	175	17	,	,	PUNCT
ejif-2230	175	18	current	current	ADJ
ejif-2230	175	19	monthly	monthly	ADJ
ejif-2230	175	20	profit	profit	NOUN
ejif-2230	175	21	and	and	CCONJ
ejif-2230	175	22	amount	amount	NOUN
ejif-2230	175	23	due	due	ADJ
ejif-2230	175	24	and	and	CCONJ
ejif-2230	175	25	payable	payable	ADJ
ejif-2230	175	26	to	to	ADP
ejif-2230	175	27	the	the	DET
ejif-2230	175	28	bank	bank	NOUN
ejif-2230	175	29	.	.	PUNCT
ejif-2230	176	1	however	however	ADV
ejif-2230	176	2	,	,	PUNCT
ejif-2230	176	3	hsbc	hsbc	PROPN
ejif-2230	176	4	amanah	amanah	PROPN
ejif-2230	176	5	charges	charge	VERB
ejif-2230	176	6	early	early	ADJ
ejif-2230	176	7	termination	termination	NOUN
ejif-2230	176	8	fee	fee	NOUN
ejif-2230	176	9	as	as	SCONJ
ejif-2230	176	10	stated	state	VERB
ejif-2230	176	11	in	in	ADP
ejif-2230	176	12	their	their	PRON
ejif-2230	176	13	product	product	NOUN
ejif-2230	176	14	disclosure	disclosure	NOUN
ejif-2230	176	15	sheet	sheet	NOUN
ejif-2230	176	16	.	.	PUNCT
ejif-2230	177	1	hsbc	hsbc	PROPN
ejif-2230	177	2	amanah	amanah	PROPN
ejif-2230	177	3	needs	need	VERB
ejif-2230	177	4	to	to	PART
ejif-2230	177	5	follow	follow	VERB
ejif-2230	177	6	the	the	DET
ejif-2230	177	7	standard	standard	NOUN
ejif-2230	177	8	because	because	SCONJ
ejif-2230	177	9	it	it	PRON
ejif-2230	177	10	will	will	AUX
ejif-2230	177	11	cause	cause	VERB
ejif-2230	177	12	the	the	DET
ejif-2230	177	13	legal	legal	ADJ
ejif-2230	177	14	impact	impact	NOUN
ejif-2230	177	15	and	and	CCONJ
ejif-2230	177	16	affect	affect	VERB
ejif-2230	177	17	contract	contract	NOUN
ejif-2230	177	18	validity	validity	NOUN
ejif-2230	177	19	.	.	PUNCT
ejif-2230	178	1	moreover	moreover	ADV
ejif-2230	178	2	,	,	PUNCT
ejif-2230	178	3	it	it	PRON
ejif-2230	178	4	will	will	AUX
ejif-2230	178	5	lead	lead	VERB
ejif-2230	178	6	to	to	ADP
ejif-2230	178	7	non	non	ADJ
ejif-2230	178	8	-	-	ADJ
ejif-2230	178	9	compliance	compliance	ADJ
ejif-2230	178	10	practice	practice	NOUN
ejif-2230	178	11	in	in	ADP
ejif-2230	178	12	both	both	CCONJ
ejif-2230	178	13	shariah	shariah	PROPN
ejif-2230	178	14	and	and	CCONJ
ejif-2230	178	15	regulation	regulation	NOUN
ejif-2230	178	16	perspective	perspective	NOUN
ejif-2230	178	17	.	.	PUNCT
ejif-2230	179	1	in	in	ADP
ejif-2230	179	2	case	case	NOUN
ejif-2230	179	3	the	the	DET
ejif-2230	179	4	bank	bank	NOUN
ejif-2230	179	5	already	already	ADV
ejif-2230	179	6	takes	take	VERB
ejif-2230	179	7	the	the	DET
ejif-2230	179	8	early	early	ADJ
ejif-2230	179	9	settlement	settlement	NOUN
ejif-2230	179	10	fee	fee	NOUN
ejif-2230	179	11	,	,	PUNCT
ejif-2230	179	12	it	it	PRON
ejif-2230	179	13	is	be	AUX
ejif-2230	179	14	recommended	recommend	VERB
ejif-2230	179	15	for	for	SCONJ
ejif-2230	179	16	the	the	DET
ejif-2230	179	17	respective	respective	ADJ
ejif-2230	179	18	bank	bank	NOUN
ejif-2230	179	19	to	to	PART
ejif-2230	179	20	channel	channel	VERB
ejif-2230	179	21	those	those	DET
ejif-2230	179	22	funds	fund	NOUN
ejif-2230	179	23	to	to	ADP
ejif-2230	179	24	the	the	DET
ejif-2230	179	25	charity	charity	NOUN
ejif-2230	179	26	.	.	PUNCT
ejif-2230	180	1	g.	g.	PROPN
ejif-2230	180	2	late	late	ADJ
ejif-2230	180	3	payment	payment	NOUN
ejif-2230	180	4	institution	institution	NOUN
ejif-2230	180	5	information	information	NOUN
ejif-2230	180	6	note	note	VERB
ejif-2230	180	7	bnm	bnm	PROPN
ejif-2230	180	8	regulation	regulation	PROPN
ejif-2230	180	9	compensation	compensation	NOUN
ejif-2230	180	10	(	(	PUNCT
ejif-2230	180	11	ta’widh	ta’widh	NOUN
ejif-2230	180	12	)	)	PUNCT
ejif-2230	180	13	can	can	AUX
ejif-2230	180	14	be	be	AUX
ejif-2230	180	15	charged	charge	VERB
ejif-2230	180	16	.	.	PUNCT
ejif-2230	181	1	however	however	ADV
ejif-2230	181	2	,	,	PUNCT
ejif-2230	181	3	this	this	DET
ejif-2230	181	4	amount	amount	NOUN
ejif-2230	181	5	shall	shall	AUX
ejif-2230	181	6	not	not	PART
ejif-2230	181	7	be	be	AUX
ejif-2230	181	8	more	more	ADJ
ejif-2230	181	9	than	than	ADP
ejif-2230	181	10	1	1	NUM
ejif-2230	181	11	%	%	NOUN
ejif-2230	181	12	per	per	ADP
ejif-2230	181	13	annum	annum	X
ejif-2230	181	14	(	(	PUNCT
ejif-2230	181	15	table	table	NOUN
ejif-2230	181	16	3.2	3.2	NUM
ejif-2230	181	17	,	,	PUNCT
ejif-2230	181	18	regulation	regulation	NOUN
ejif-2230	181	19	and	and	CCONJ
ejif-2230	181	20	supervision	supervision	NOUN
ejif-2230	181	21	,	,	PUNCT
ejif-2230	181	22	bnm	bnm	PROPN
ejif-2230	181	23	)	)	PUNCT
ejif-2230	181	24	.	.	PUNCT
ejif-2230	182	1			PUNCT
ejif-2230	183	1	the	the	DET
ejif-2230	183	2	overdue	overdue	ADJ
ejif-2230	183	3	instalments	instalment	NOUN
ejif-2230	183	4	of	of	ADP
ejif-2230	183	5	the	the	DET
ejif-2230	183	6	islamic	islamic	ADJ
ejif-2230	183	7	product	product	NOUN
ejif-2230	183	8	in	in	ADP
ejif-2230	183	9	the	the	DET
ejif-2230	183	10	case	case	NOUN
ejif-2230	183	11	of	of	ADP
ejif-2230	183	12	default	default	NOUN
ejif-2230	183	13	of	of	ADP
ejif-2230	183	14	scheduled	schedule	VERB
ejif-2230	183	15	payments	payment	NOUN
ejif-2230	183	16	;	;	PUNCT
ejif-2230	183	17	or	or	CCONJ
ejif-2230	183	18			NOUN
ejif-2230	183	19	the	the	DET
ejif-2230	183	20	outstanding	outstanding	ADJ
ejif-2230	183	21	balance	balance	NOUN
ejif-2230	183	22	of	of	ADP
ejif-2230	183	23	the	the	DET
ejif-2230	183	24	islamic	islamic	ADJ
ejif-2230	183	25	product	product	NOUN
ejif-2230	183	26	where	where	SCONJ
ejif-2230	183	27	a	a	DET
ejif-2230	183	28	default	default	NOUN
ejif-2230	183	29	results	result	NOUN
ejif-2230	183	30	in	in	ADP
ejif-2230	183	31	the	the	DET
ejif-2230	183	32	entire	entire	ADJ
ejif-2230	183	33	facility	facility	NOUN
ejif-2230	183	34	being	be	AUX
ejif-2230	183	35	recalled	recall	VERB
ejif-2230	183	36	or	or	CCONJ
ejif-2230	183	37	brought	bring	VERB
ejif-2230	183	38	to	to	ADP
ejif-2230	183	39	court	court	NOUN
ejif-2230	183	40	for	for	ADP
ejif-2230	183	41	judgment	judgment	NOUN
ejif-2230	183	42	prior	prior	ADV
ejif-2230	183	43	to	to	ADP
ejif-2230	183	44	maturity	maturity	NOUN
ejif-2230	183	45	.	.	PUNCT
ejif-2230	184	1	for	for	ADP
ejif-2230	184	2	delays	delay	NOUN
ejif-2230	184	3	occurring	occur	VERB
ejif-2230	184	4	after	after	ADP
ejif-2230	184	5	maturity	maturity	NOUN
ejif-2230	184	6	of	of	ADP
ejif-2230	184	7	a	a	DET
ejif-2230	184	8	financing	financing	NOUN
ejif-2230	184	9	contract	contract	NOUN
ejif-2230	184	10	,	,	PUNCT
ejif-2230	184	11	islamic	islamic	ADJ
ejif-2230	184	12	banks	bank	NOUN
ejif-2230	184	13	are	be	AUX
ejif-2230	184	14	only	only	ADV
ejif-2230	184	15	allowed	allow	VERB
ejif-2230	184	16	to	to	PART
ejif-2230	184	17	charge	charge	VERB
ejif-2230	184	18	ta’widh	ta’widh	PRON
ejif-2230	184	19	at	at	ADP
ejif-2230	184	20	a	a	DET
ejif-2230	184	21	reduced	reduce	VERB
ejif-2230	184	22	rate	rate	NOUN
ejif-2230	184	23	based	base	VERB
ejif-2230	184	24	on	on	ADP
ejif-2230	184	25	daily	daily	PROPN
ejif-2230	184	26	overnight	overnight	PROPN
ejif-2230	184	27	islamic	islamic	ADJ
ejif-2230	184	28	interbank	interbank	NOUN
ejif-2230	184	29	money	money	NOUN
ejif-2230	184	30	market	market	NOUN
ejif-2230	184	31	rate	rate	NOUN
ejif-2230	184	32	.	.	PUNCT
ejif-2230	185	1	the	the	DET
ejif-2230	185	2	rate	rate	NOUN
ejif-2230	185	3	1	1	NUM
ejif-2230	185	4	%	%	NOUN
ejif-2230	185	5	for	for	ADP
ejif-2230	185	6	ta’widh	ta’widh	PRON
ejif-2230	185	7	maybank	maybank	ADJ
ejif-2230	185	8	islamic	islamic	ADJ
ejif-2230	185	9	overdue	overdue	ADJ
ejif-2230	185	10	installment	installment	NOUN
ejif-2230	185	11	or	or	CCONJ
ejif-2230	185	12	scheduled	schedule	VERB
ejif-2230	185	13	payment	payment	NOUN
ejif-2230	185	14	:	:	PUNCT
ejif-2230	185	15	a	a	X
ejif-2230	185	16	)	)	PUNCT
ejif-2230	185	17	1	1	NUM
ejif-2230	185	18	%	%	NOUN
ejif-2230	185	19	p.a	p.a	PROPN
ejif-2230	185	20	.	.	PROPN
ejif-2230	185	21	on	on	ADP
ejif-2230	185	22	the	the	DET
ejif-2230	185	23	installment	installment	NOUN
ejif-2230	185	24	amount	amount	NOUN
ejif-2230	185	25	in	in	ADP
ejif-2230	185	26	arrears	arrear	NOUN
ejif-2230	185	27	from	from	ADP
ejif-2230	185	28	the	the	DET
ejif-2230	185	29	date	date	NOUN
ejif-2230	185	30	of	of	ADP
ejif-2230	185	31	the	the	DET
ejif-2230	185	32	first	first	ADJ
ejif-2230	185	33	drawdown	drawdown	NOUN
ejif-2230	185	34	of	of	ADP
ejif-2230	185	35	the	the	DET
ejif-2230	185	36	facility	facility	NOUN
ejif-2230	185	37	until	until	ADP
ejif-2230	185	38	its	its	PRON
ejif-2230	185	39	maturity	maturity	NOUN
ejif-2230	185	40	date	date	NOUN
ejif-2230	185	41	(	(	PUNCT
ejif-2230	185	42	pds	pds	NOUN
ejif-2230	185	43	,	,	PUNCT
ejif-2230	185	44	point	point	NOUN
ejif-2230	185	45	6	6	NUM
ejif-2230	185	46	,	,	PUNCT
ejif-2230	185	47	pg.4	pg.4	PROPN
ejif-2230	185	48	)	)	PUNCT
ejif-2230	185	49	b	b	NOUN
ejif-2230	185	50	)	)	PUNCT
ejif-2230	185	51	upon	upon	SCONJ
ejif-2230	185	52	maturity	maturity	NOUN
ejif-2230	185	53	date	date	NOUN
ejif-2230	185	54	of	of	ADP
ejif-2230	185	55	the	the	DET
ejif-2230	185	56	facility	facility	NOUN
ejif-2230	185	57	or	or	CCONJ
ejif-2230	185	58	upon	upon	SCONJ
ejif-2230	185	59	judgment	judgment	NOUN
ejif-2230	185	60	,	,	PUNCT
ejif-2230	185	61	whichever	whichever	PRON
ejif-2230	185	62	is	be	AUX
ejif-2230	185	63	earlier	early	ADV
ejif-2230	185	64	:	:	PUNCT
ejif-2230	185	65	prevailing	prevail	VERB
ejif-2230	185	66	daily	daily	ADJ
ejif-2230	185	67	overnight	overnight	PROPN
ejif-2230	185	68	islamic	islamic	ADJ
ejif-2230	185	69	interbank	interbank	NOUN
ejif-2230	185	70	money	money	NOUN
ejif-2230	185	71	market	market	NOUN
ejif-2230	185	72	(	(	PUNCT
ejif-2230	185	73	iimm	iimm	NOUN
ejif-2230	185	74	)	)	PUNCT
ejif-2230	185	75	rate	rate	NOUN
ejif-2230	185	76	on	on	ADP
ejif-2230	185	77	the	the	DET
ejif-2230	185	78	outstanding	outstanding	ADJ
ejif-2230	185	79	balance	balance	NOUN
ejif-2230	185	80	due	due	ADJ
ejif-2230	185	81	and	and	CCONJ
ejif-2230	185	82	payable	payable	ADJ
ejif-2230	185	83	no	no	DET
ejif-2230	185	84	gap	gap	NOUN
ejif-2230	185	85	–	–	PUNCT
ejif-2230	185	86	the	the	DET
ejif-2230	185	87	rate	rate	NOUN
ejif-2230	185	88	is	be	AUX
ejif-2230	185	89	1	1	NUM
ejif-2230	185	90	%	%	NOUN
ejif-2230	185	91	p.a	p.a	PROPN
ejif-2230	185	92	.	.	PUNCT
ejif-2230	186	1	hsbc	hsbc	PROPN
ejif-2230	186	2	amanah	amanah	PROPN
ejif-2230	186	3	during	during	ADP
ejif-2230	186	4	financing	financing	NOUN
ejif-2230	186	5	tenure	tenure	NOUN
ejif-2230	186	6	:	:	PUNCT
ejif-2230	186	7	1	1	NUM
ejif-2230	186	8	%	%	NOUN
ejif-2230	186	9	p.a	p.a	PROPN
ejif-2230	186	10	.	.	PROPN
ejif-2230	187	1	on	on	ADP
ejif-2230	187	2	the	the	DET
ejif-2230	187	3	overdue	overdue	ADJ
ejif-2230	187	4	installment	installment	NOUN
ejif-2230	187	5	example	example	NOUN
ejif-2230	187	6	:	:	PUNCT
ejif-2230	187	7	overdue	overdue	ADJ
ejif-2230	187	8	instalment	instalment	NOUN
ejif-2230	187	9	amount	amount	NOUN
ejif-2230	187	10	in	in	ADP
ejif-2230	187	11	arrears	arrear	NOUN
ejif-2230	187	12	x	x	PUNCT
ejif-2230	187	13	1	1	NUM
ejif-2230	187	14	%	%	NOUN
ejif-2230	187	15	x	x	SYM
ejif-2230	187	16	n/365	n/365	NOUN
ejif-2230	187	17	(	(	PUNCT
ejif-2230	187	18	n=	n=	ADJ
ejif-2230	187	19	number	number	NOUN
ejif-2230	187	20	of	of	ADP
ejif-2230	187	21	days	day	NOUN
ejif-2230	187	22	overdue	overdue	ADJ
ejif-2230	187	23	(	(	PUNCT
ejif-2230	187	24	pds	pds	NOUN
ejif-2230	187	25	,	,	PUNCT
ejif-2230	187	26	point	point	NOUN
ejif-2230	187	27	6	6	NUM
ejif-2230	187	28	,	,	PUNCT
ejif-2230	187	29	pg.3	pg.3	PROPN
ejif-2230	187	30	)	)	PUNCT
ejif-2230	187	31	after	after	ADP
ejif-2230	187	32	expiry	expiry	NOUN
ejif-2230	187	33	of	of	ADP
ejif-2230	187	34	financing	financing	NOUN
ejif-2230	187	35	tenure	tenure	NOUN
ejif-2230	187	36	at	at	ADP
ejif-2230	187	37	a	a	DET
ejif-2230	187	38	rate	rate	NOUN
ejif-2230	187	39	not	not	PART
ejif-2230	187	40	exceeding	exceed	VERB
ejif-2230	187	41	the	the	DET
ejif-2230	187	42	prevailing	prevail	VERB
ejif-2230	187	43	iimm	iimm	NOUN
ejif-2230	187	44	-	-	PUNCT
ejif-2230	187	45	rate	rate	NOUN
ejif-2230	187	46	,	,	PUNCT
ejif-2230	187	47	on	on	ADP
ejif-2230	187	48	the	the	DET
ejif-2230	187	49	outstanding	outstanding	ADJ
ejif-2230	187	50	amount	amount	NOUN
ejif-2230	187	51	financed	finance	VERB
ejif-2230	187	52	(	(	PUNCT
ejif-2230	187	53	after	after	ADP
ejif-2230	187	54	the	the	DET
ejif-2230	187	55	tenure	tenure	NOUN
ejif-2230	187	56	)	)	PUNCT
ejif-2230	187	57	(	(	PUNCT
ejif-2230	187	58	iimm	iimm	NOUN
ejif-2230	187	59	-	-	PUNCT
ejif-2230	187	60	rate	rate	NOUN
ejif-2230	187	61	is	be	AUX
ejif-2230	187	62	the	the	DET
ejif-2230	187	63	daily	daily	ADJ
ejif-2230	187	64	weighted	weight	VERB
ejif-2230	187	65	average	average	ADJ
ejif-2230	187	66	overnight	overnight	ADJ
ejif-2230	187	67	rate	rate	NOUN
ejif-2230	187	68	for	for	ADP
ejif-2230	187	69	islamic	islamic	ADJ
ejif-2230	187	70	financial	financial	ADJ
ejif-2230	187	71	instruments	instrument	NOUN
ejif-2230	187	72	quoted	quote	VERB
ejif-2230	187	73	in	in	ADP
ejif-2230	187	74	malaysia	malaysia	PROPN
ejif-2230	187	75	’s	’s	PART
ejif-2230	187	76	islamic	islamic	ADJ
ejif-2230	187	77	interbank	interbank	NOUN
ejif-2230	187	78	money	money	NOUN
ejif-2230	187	79	market	market	NOUN
ejif-2230	187	80	no	no	DET
ejif-2230	187	81	gap	gap	NOUN
ejif-2230	187	82	–	–	PUNCT
ejif-2230	187	83	the	the	DET
ejif-2230	187	84	rate	rate	NOUN
ejif-2230	187	85	is	be	AUX
ejif-2230	187	86	1	1	NUM
ejif-2230	187	87	%	%	NOUN
ejif-2230	187	88	p.a	p.a	PROPN
ejif-2230	187	89	.	.	PROPN
ejif-2230	187	90	comment	comment	PROPN
ejif-2230	187	91	bnm	bnm	PROPN
ejif-2230	187	92	regulation	regulation	PROPN
ejif-2230	187	93	,	,	PUNCT
ejif-2230	187	94	maybank	maybank	PROPN
ejif-2230	187	95	islamic	islamic	PROPN
ejif-2230	187	96	,	,	PUNCT
ejif-2230	187	97	and	and	CCONJ
ejif-2230	187	98	hsbc	hsbc	PROPN
ejif-2230	187	99	amanah	amanah	PROPN
ejif-2230	187	100	have	have	VERB
ejif-2230	187	101	similar	similar	ADJ
ejif-2230	187	102	statement	statement	NOUN
ejif-2230	187	103	regarding	regard	VERB
ejif-2230	187	104	to	to	ADP
ejif-2230	187	105	the	the	DET
ejif-2230	187	106	ta’widh	ta’widh	NOUN
ejif-2230	187	107	during	during	ADP
ejif-2230	187	108	the	the	DET
ejif-2230	187	109	financing	financing	NOUN
ejif-2230	187	110	tenure	tenure	NOUN
ejif-2230	187	111	.	.	PUNCT
ejif-2230	188	1	iimm	iimm	NOUN
ejif-2230	188	2	-	-	PUNCT
ejif-2230	188	3	rate	rate	NOUN
ejif-2230	188	4	utilization	utilization	NOUN
ejif-2230	188	5	as	as	ADP
ejif-2230	188	6	the	the	DET
ejif-2230	188	7	rate	rate	NOUN
ejif-2230	188	8	for	for	ADP
ejif-2230	188	9	outstanding	outstanding	ADJ
ejif-2230	188	10	balance	balance	NOUN
ejif-2230	188	11	stated	state	VERB
ejif-2230	188	12	by	by	ADP
ejif-2230	188	13	bnm	bnm	PROPN
ejif-2230	188	14	,	,	PUNCT
ejif-2230	188	15	maybank	maybank	PROPN
ejif-2230	188	16	islamic	islamic	PROPN
ejif-2230	188	17	,	,	PUNCT
ejif-2230	188	18	and	and	CCONJ
ejif-2230	188	19	hsbc	hsbc	PROPN
ejif-2230	188	20	amanah	amanah	PROPN
ejif-2230	188	21	.	.	PUNCT
ejif-2230	189	1	h.	h.	PROPN
ejif-2230	190	1	in	in	ADP
ejif-2230	190	2	case	case	NOUN
ejif-2230	190	3	of	of	ADP
ejif-2230	190	4	customer	customer	NOUN
ejif-2230	190	5	default	default	NOUN
ejif-2230	190	6	institution	institution	NOUN
ejif-2230	190	7	information	information	NOUN
ejif-2230	190	8	note	note	NOUN
ejif-2230	190	9	bnm	bnm	PROPN
ejif-2230	190	10	regulation	regulation	NOUN
ejif-2230	190	11	a	a	DET
ejif-2230	190	12	)	)	PUNCT
ejif-2230	190	13	promisee	promisee	NOUN
ejif-2230	190	14	invokes	invoke	VERB
ejif-2230	190	15	the	the	DET
ejif-2230	190	16	promise	promise	NOUN
ejif-2230	190	17	to	to	PART
ejif-2230	190	18	purchase	purchase	VERB
ejif-2230	190	19	and	and	CCONJ
ejif-2230	190	20	where	where	SCONJ
ejif-2230	190	21	the	the	DET
ejif-2230	190	22	promisor	promisor	NOUN
ejif-2230	190	23	fails	fail	VERB
ejif-2230	190	24	to	to	PART
ejif-2230	190	25	perform	perform	VERB
ejif-2230	190	26	the	the	DET
ejif-2230	190	27	promise	promise	NOUN
ejif-2230	190	28	,	,	PUNCT
ejif-2230	190	29	the	the	DET
ejif-2230	190	30	partners	partner	NOUN
ejif-2230	190	31	shall	shall	AUX
ejif-2230	190	32	jointly	jointly	ADV
ejif-2230	190	33	sell	sell	VERB
ejif-2230	190	34	the	the	DET
ejif-2230	190	35	asset	asset	NOUN
ejif-2230	190	36	to	to	ADP
ejif-2230	190	37	a	a	DET
ejif-2230	190	38	third	third	ADJ
ejif-2230	190	39	party	party	NOUN
ejif-2230	190	40	.	.	PUNCT
ejif-2230	191	1	b	b	X
ejif-2230	191	2	)	)	PUNCT
ejif-2230	191	3	the	the	DET
ejif-2230	191	4	proceeds	proceed	NOUN
ejif-2230	191	5	of	of	ADP
ejif-2230	191	6	the	the	DET
ejif-2230	191	7	sale	sale	NOUN
ejif-2230	191	8	shall	shall	AUX
ejif-2230	191	9	be	be	AUX
ejif-2230	191	10	guidance	guidance	NOUN
ejif-2230	191	11	–	–	PUNCT
ejif-2230	191	12	two	two	NUM
ejif-2230	191	13	different	different	ADJ
ejif-2230	191	14	approaches	approach	NOUN
ejif-2230	191	15	in	in	ADP
ejif-2230	191	16	case	case	NOUN
ejif-2230	191	17	of	of	ADP
ejif-2230	191	18	customer	customer	NOUN
ejif-2230	191	19	ejif	ejif	PROPN
ejif-2230	191	20	–	–	PUNCT
ejif-2230	191	21	european	european	PROPN
ejif-2230	191	22	journal	journal	PROPN
ejif-2230	191	23	of	of	ADP
ejif-2230	191	24	islamic	islamic	PROPN
ejif-2230	191	25	finance	finance	PROPN
ejif-2230	191	26	no8	no8	PROPN
ejif-2230	191	27	,	,	PUNCT
ejif-2230	191	28	december	december	PROPN
ejif-2230	191	29	(	(	PUNCT
ejif-2230	191	30	2017	2017	NUM
ejif-2230	191	31	)	)	PUNCT
ejif-2230	191	32	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	191	33	issn	issn	VERB
ejif-2230	191	34	2421	2421	NUM
ejif-2230	191	35	-	-	SYM
ejif-2230	191	36	2172	2172	NUM
ejif-2230	191	37	7	7	NUM
ejif-2230	191	38	allocated	allocate	VERB
ejif-2230	191	39	to	to	ADP
ejif-2230	191	40	all	all	DET
ejif-2230	191	41	partners	partner	NOUN
ejif-2230	191	42	based	base	VERB
ejif-2230	191	43	on	on	ADP
ejif-2230	191	44	the	the	DET
ejif-2230	191	45	ownership	ownership	NOUN
ejif-2230	191	46	share	share	NOUN
ejif-2230	191	47	at	at	ADP
ejif-2230	191	48	the	the	DET
ejif-2230	191	49	point	point	NOUN
ejif-2230	191	50	of	of	ADP
ejif-2230	191	51	sale	sale	NOUN
ejif-2230	191	52	based	base	VERB
ejif-2230	191	53	on	on	ADP
ejif-2230	191	54	the	the	DET
ejif-2230	191	55	following	follow	VERB
ejif-2230	191	56	options	option	NOUN
ejif-2230	191	57	:	:	PUNCT
ejif-2230	191	58	(	(	PUNCT
ejif-2230	191	59	i	i	NOUN
ejif-2230	191	60	)	)	PUNCT
ejif-2230	191	61	allocation	allocation	NOUN
ejif-2230	191	62	to	to	ADP
ejif-2230	191	63	all	all	DET
ejif-2230	191	64	partners	partner	NOUN
ejif-2230	191	65	is	be	AUX
ejif-2230	191	66	made	make	VERB
ejif-2230	191	67	after	after	ADP
ejif-2230	191	68	deducting	deduct	VERB
ejif-2230	191	69	all	all	DET
ejif-2230	191	70	costs	cost	NOUN
ejif-2230	191	71	related	relate	VERB
ejif-2230	191	72	to	to	ADP
ejif-2230	191	73	asset	asset	NOUN
ejif-2230	191	74	liquidation	liquidation	NOUN
ejif-2230	191	75	from	from	ADP
ejif-2230	191	76	the	the	DET
ejif-2230	191	77	proceeds	proceed	NOUN
ejif-2230	191	78	of	of	ADP
ejif-2230	191	79	the	the	DET
ejif-2230	191	80	sale	sale	NOUN
ejif-2230	191	81	;	;	PUNCT
ejif-2230	191	82	or	or	CCONJ
ejif-2230	191	83	(	(	PUNCT
ejif-2230	191	84	ii	ii	NOUN
ejif-2230	191	85	)	)	PUNCT
ejif-2230	191	86	allocation	allocation	NOUN
ejif-2230	191	87	to	to	ADP
ejif-2230	191	88	all	all	DET
ejif-2230	191	89	partners	partner	NOUN
ejif-2230	191	90	is	be	AUX
ejif-2230	191	91	made	make	VERB
ejif-2230	191	92	without	without	ADP
ejif-2230	191	93	prior	prior	ADJ
ejif-2230	191	94	deduction	deduction	NOUN
ejif-2230	191	95	of	of	ADP
ejif-2230	191	96	costs	cost	NOUN
ejif-2230	191	97	related	relate	VERB
ejif-2230	191	98	to	to	ADP
ejif-2230	191	99	asset	asset	NOUN
ejif-2230	191	100	liquidation	liquidation	NOUN
ejif-2230	191	101	from	from	ADP
ejif-2230	191	102	the	the	DET
ejif-2230	191	103	proceeds	proceed	NOUN
ejif-2230	191	104	.	.	PUNCT
ejif-2230	192	1	under	under	ADP
ejif-2230	192	2	this	this	DET
ejif-2230	192	3	approach	approach	NOUN
ejif-2230	192	4	,	,	PUNCT
ejif-2230	192	5	the	the	DET
ejif-2230	192	6	cost	cost	NOUN
ejif-2230	192	7	related	relate	VERB
ejif-2230	192	8	to	to	ADP
ejif-2230	192	9	asset	asset	NOUN
ejif-2230	192	10	liquidation	liquidation	NOUN
ejif-2230	192	11	is	be	AUX
ejif-2230	192	12	deducted	deduct	VERB
ejif-2230	192	13	only	only	ADV
ejif-2230	192	14	from	from	ADP
ejif-2230	192	15	promisor	promisor	NOUN
ejif-2230	192	16	’s	’s	PART
ejif-2230	192	17	share	share	NOUN
ejif-2230	192	18	of	of	ADP
ejif-2230	192	19	the	the	DET
ejif-2230	192	20	proceeds	proceed	NOUN
ejif-2230	192	21	.	.	PUNCT
ejif-2230	193	1	c	c	X
ejif-2230	193	2	)	)	PUNCT
ejif-2230	193	3	the	the	DET
ejif-2230	193	4	promisee	promisee	NOUN
ejif-2230	193	5	may	may	AUX
ejif-2230	193	6	claim	claim	VERB
ejif-2230	193	7	the	the	DET
ejif-2230	193	8	rental	rental	NOUN
ejif-2230	193	9	due	due	ADJ
ejif-2230	193	10	(	(	PUNCT
ejif-2230	193	11	if	if	SCONJ
ejif-2230	193	12	any	any	PRON
ejif-2230	193	13	)	)	PUNCT
ejif-2230	193	14	from	from	ADP
ejif-2230	193	15	the	the	DET
ejif-2230	193	16	promisor	promisor	NOUN
ejif-2230	193	17	’s	’s	PART
ejif-2230	193	18	share	share	NOUN
ejif-2230	193	19	of	of	ADP
ejif-2230	193	20	the	the	DET
ejif-2230	193	21	proceeds	proceed	NOUN
ejif-2230	193	22	.	.	PUNCT
ejif-2230	194	1	d	d	X
ejif-2230	194	2	)	)	PUNCT
ejif-2230	194	3	the	the	DET
ejif-2230	194	4	promisee	promisee	NOUN
ejif-2230	194	5	may	may	AUX
ejif-2230	194	6	claim	claim	VERB
ejif-2230	194	7	a	a	DET
ejif-2230	194	8	compensation	compensation	NOUN
ejif-2230	194	9	amount	amount	NOUN
ejif-2230	194	10	from	from	ADP
ejif-2230	194	11	the	the	DET
ejif-2230	194	12	promisor	promisor	NOUN
ejif-2230	194	13	’s	’s	PART
ejif-2230	194	14	share	share	NOUN
ejif-2230	194	15	of	of	ADP
ejif-2230	194	16	the	the	DET
ejif-2230	194	17	proceeds	proceed	NOUN
ejif-2230	194	18	.	.	PUNCT
ejif-2230	195	1	the	the	DET
ejif-2230	195	2	compensation	compensation	NOUN
ejif-2230	195	3	amount	amount	NOUN
ejif-2230	195	4	shall	shall	AUX
ejif-2230	195	5	be	be	AUX
ejif-2230	195	6	the	the	DET
ejif-2230	195	7	difference	difference	NOUN
ejif-2230	195	8	between	between	ADP
ejif-2230	195	9	the	the	DET
ejif-2230	195	10	agreed	agree	VERB
ejif-2230	195	11	purchase	purchase	NOUN
ejif-2230	195	12	price	price	NOUN
ejif-2230	195	13	(	(	PUNCT
ejif-2230	195	14	as	as	SCONJ
ejif-2230	195	15	promised	promise	VERB
ejif-2230	195	16	)	)	PUNCT
ejif-2230	195	17	and	and	CCONJ
ejif-2230	195	18	the	the	DET
ejif-2230	195	19	realised	realise	VERB
ejif-2230	195	20	proceeds	proceed	NOUN
ejif-2230	195	21	portion	portion	NOUN
ejif-2230	195	22	allocated	allocate	VERB
ejif-2230	195	23	for	for	ADP
ejif-2230	195	24	the	the	DET
ejif-2230	195	25	promisee	promisee	NOUN
ejif-2230	195	26	.	.	PUNCT
ejif-2230	196	1	e	e	X
ejif-2230	196	2	)	)	PUNCT
ejif-2230	196	3	in	in	ADP
ejif-2230	196	4	the	the	DET
ejif-2230	196	5	event	event	NOUN
ejif-2230	196	6	that	that	SCONJ
ejif-2230	196	7	the	the	DET
ejif-2230	196	8	promisor	promisor	NOUN
ejif-2230	196	9	’s	’s	PART
ejif-2230	196	10	share	share	NOUN
ejif-2230	196	11	of	of	ADP
ejif-2230	196	12	the	the	DET
ejif-2230	196	13	proceeds	proceed	NOUN
ejif-2230	196	14	is	be	AUX
ejif-2230	196	15	inadequate	inadequate	ADJ
ejif-2230	196	16	to	to	PART
ejif-2230	196	17	meet	meet	VERB
ejif-2230	196	18	the	the	DET
ejif-2230	196	19	claim	claim	NOUN
ejif-2230	196	20	under	under	ADP
ejif-2230	196	21	paragraph	paragraph	NOUN
ejif-2230	196	22	(	(	PUNCT
ejif-2230	196	23	d	d	NOUN
ejif-2230	196	24	)	)	PUNCT
ejif-2230	196	25	,	,	PUNCT
ejif-2230	196	26	the	the	DET
ejif-2230	196	27	promisee	promisee	NOUN
ejif-2230	196	28	may	may	AUX
ejif-2230	196	29	demand	demand	VERB
ejif-2230	196	30	the	the	DET
ejif-2230	196	31	remaining	remain	VERB
ejif-2230	196	32	difference	difference	NOUN
ejif-2230	196	33	from	from	ADP
ejif-2230	196	34	the	the	DET
ejif-2230	196	35	promisor	promisor	NOUN
ejif-2230	196	36	.	.	PUNCT
ejif-2230	197	1	f	f	X
ejif-2230	197	2	)	)	PUNCT
ejif-2230	197	3	in	in	ADP
ejif-2230	197	4	the	the	DET
ejif-2230	197	5	event	event	NOUN
ejif-2230	197	6	that	that	PRON
ejif-2230	197	7	the	the	DET
ejif-2230	197	8	promisee	promisee	NOUN
ejif-2230	197	9	’s	’s	PART
ejif-2230	197	10	share	share	NOUN
ejif-2230	197	11	of	of	ADP
ejif-2230	197	12	the	the	DET
ejif-2230	197	13	proceeds	proceed	NOUN
ejif-2230	197	14	is	be	AUX
ejif-2230	197	15	equivalent	equivalent	ADJ
ejif-2230	197	16	to	to	ADP
ejif-2230	197	17	or	or	CCONJ
ejif-2230	197	18	higher	high	ADJ
ejif-2230	197	19	than	than	ADP
ejif-2230	197	20	the	the	DET
ejif-2230	197	21	promised	promise	VERB
ejif-2230	197	22	purchase	purchase	NOUN
ejif-2230	197	23	price	price	NOUN
ejif-2230	197	24	,	,	PUNCT
ejif-2230	197	25	the	the	DET
ejif-2230	197	26	provisions	provision	NOUN
ejif-2230	197	27	on	on	ADP
ejif-2230	197	28	compensation	compensation	NOUN
ejif-2230	197	29	under	under	ADP
ejif-2230	197	30	paragraph	paragraph	NOUN
ejif-2230	197	31	(	(	PUNCT
ejif-2230	197	32	d	d	NOUN
ejif-2230	197	33	)	)	PUNCT
ejif-2230	197	34	and	and	CCONJ
ejif-2230	197	35	(	(	PUNCT
ejif-2230	197	36	e	e	NOUN
ejif-2230	197	37	)	)	PUNCT
ejif-2230	197	38	shall	shall	AUX
ejif-2230	197	39	not	not	PART
ejif-2230	197	40	be	be	AUX
ejif-2230	197	41	applicable	applicable	ADJ
ejif-2230	197	42	.	.	PUNCT
ejif-2230	198	1	g	g	NOUN
ejif-2230	198	2	)	)	PUNCT
ejif-2230	198	3	in	in	ADP
ejif-2230	198	4	the	the	DET
ejif-2230	198	5	event	event	NOUN
ejif-2230	198	6	that	that	SCONJ
ejif-2230	198	7	the	the	DET
ejif-2230	198	8	promisee	promisee	NOUN
ejif-2230	198	9	's	's	PART
ejif-2230	198	10	portion	portion	NOUN
ejif-2230	198	11	of	of	ADP
ejif-2230	198	12	proceeds	proceed	NOUN
ejif-2230	198	13	exceeds	exceed	VERB
ejif-2230	198	14	the	the	DET
ejif-2230	198	15	promised	promise	VERB
ejif-2230	198	16	purchase	purchase	NOUN
ejif-2230	198	17	price	price	NOUN
ejif-2230	198	18	,	,	PUNCT
ejif-2230	198	19	the	the	DET
ejif-2230	198	20	promisee	promisee	NOUN
ejif-2230	198	21	may	may	AUX
ejif-2230	198	22	share	share	VERB
ejif-2230	198	23	his	his	PRON
ejif-2230	198	24	excess	excess	ADJ
ejif-2230	198	25	proceeds	proceed	NOUN
ejif-2230	198	26	with	with	ADP
ejif-2230	198	27	the	the	DET
ejif-2230	198	28	promisor	promisor	NOUN
ejif-2230	198	29	(	(	PUNCT
ejif-2230	198	30	bnm	bnm	PROPN
ejif-2230	198	31	regulation	regulation	NOUN
ejif-2230	198	32	,	,	PUNCT
ejif-2230	198	33	2015	2015	NUM
ejif-2230	198	34	,	,	PUNCT
ejif-2230	198	35	musyarakah	musyarakah	PROPN
ejif-2230	198	36	,	,	PUNCT
ejif-2230	198	37	point	point	VERB
ejif-2230	198	38	22.10	22.10	NUM
ejif-2230	198	39	,	,	PUNCT
ejif-2230	198	40	approach	approach	NOUN
ejif-2230	198	41	1	1	NUM
ejif-2230	198	42	)	)	PUNCT
ejif-2230	198	43	.	.	PUNCT
ejif-2230	199	1	a	a	X
ejif-2230	199	2	)	)	PUNCT
ejif-2230	199	3	the	the	DET
ejif-2230	199	4	promisee	promisee	NOUN
ejif-2230	199	5	may	may	AUX
ejif-2230	199	6	invoke	invoke	VERB
ejif-2230	199	7	the	the	DET
ejif-2230	199	8	promise	promise	NOUN
ejif-2230	199	9	to	to	PART
ejif-2230	199	10	purchase	purchase	VERB
ejif-2230	199	11	.	.	PUNCT
ejif-2230	200	1	where	where	SCONJ
ejif-2230	200	2	the	the	DET
ejif-2230	200	3	promisor	promisor	NOUN
ejif-2230	200	4	fails	fail	VERB
ejif-2230	200	5	to	to	PART
ejif-2230	200	6	perform	perform	VERB
ejif-2230	200	7	the	the	DET
ejif-2230	200	8	promise	promise	NOUN
ejif-2230	200	9	,	,	PUNCT
ejif-2230	200	10	the	the	DET
ejif-2230	200	11	promisee	promisee	NOUN
ejif-2230	200	12	may	may	AUX
ejif-2230	200	13	sell	sell	VERB
ejif-2230	200	14	his	his	PRON
ejif-2230	200	15	remaining	remain	VERB
ejif-2230	200	16	ownership	ownership	NOUN
ejif-2230	200	17	share	share	NOUN
ejif-2230	200	18	to	to	ADP
ejif-2230	200	19	the	the	DET
ejif-2230	200	20	promisor	promisor	NOUN
ejif-2230	200	21	on	on	ADP
ejif-2230	200	22	credit	credit	NOUN
ejif-2230	200	23	based	base	VERB
ejif-2230	200	24	on	on	ADP
ejif-2230	200	25	a	a	DET
ejif-2230	200	26	price	price	NOUN
ejif-2230	200	27	agreed	agree	VERB
ejif-2230	200	28	by	by	ADP
ejif-2230	200	29	both	both	DET
ejif-2230	200	30	parties	party	NOUN
ejif-2230	200	31	.	.	PUNCT
ejif-2230	201	1	b	b	X
ejif-2230	201	2	)	)	PUNCT
ejif-2230	201	3	the	the	DET
ejif-2230	201	4	promisee	promisee	NOUN
ejif-2230	201	5	may	may	AUX
ejif-2230	201	6	take	take	VERB
ejif-2230	201	7	the	the	DET
ejif-2230	201	8	asset	asset	NOUN
ejif-2230	201	9	as	as	ADP
ejif-2230	201	10	collateral	collateral	NOUN
ejif-2230	201	11	to	to	PART
ejif-2230	201	12	secure	secure	VERB
ejif-2230	201	13	the	the	DET
ejif-2230	201	14	payments	payment	NOUN
ejif-2230	201	15	of	of	ADP
ejif-2230	201	16	the	the	DET
ejif-2230	201	17	deferred	defer	VERB
ejif-2230	201	18	price	price	NOUN
ejif-2230	201	19	as	as	SCONJ
ejif-2230	201	20	agreed	agree	VERB
ejif-2230	201	21	under	under	ADP
ejif-2230	201	22	paragraph	paragraph	NOUN
ejif-2230	201	23	(	(	PUNCT
ejif-2230	201	24	a	a	NOUN
ejif-2230	201	25	)	)	PUNCT
ejif-2230	201	26	.	.	PUNCT
ejif-2230	202	1	c	c	X
ejif-2230	202	2	)	)	PUNCT
ejif-2230	202	3	in	in	ADP
ejif-2230	202	4	the	the	DET
ejif-2230	202	5	event	event	NOUN
ejif-2230	202	6	that	that	SCONJ
ejif-2230	202	7	the	the	DET
ejif-2230	202	8	promisee	promisee	NOUN
ejif-2230	202	9	as	as	SCONJ
ejif-2230	202	10	the	the	DET
ejif-2230	202	11	creditor	creditor	NOUN
ejif-2230	202	12	liquidates	liquidate	VERB
ejif-2230	202	13	the	the	DET
ejif-2230	202	14	collateral	collateral	NOUN
ejif-2230	202	15	,	,	PUNCT
ejif-2230	202	16	the	the	DET
ejif-2230	202	17	following	following	NOUN
ejif-2230	202	18	may	may	AUX
ejif-2230	202	19	be	be	AUX
ejif-2230	202	20	applied	apply	VERB
ejif-2230	202	21	:	:	PUNCT
ejif-2230	202	22	i.	i.	NOUN
ejif-2230	202	23	the	the	DET
ejif-2230	202	24	promisee	promisee	NOUN
ejif-2230	202	25	may	may	AUX
ejif-2230	202	26	claim	claim	VERB
ejif-2230	202	27	the	the	DET
ejif-2230	202	28	rental	rental	NOUN
ejif-2230	202	29	due	due	ADJ
ejif-2230	202	30	,	,	PUNCT
ejif-2230	202	31	the	the	DET
ejif-2230	202	32	purchase	purchase	NOUN
ejif-2230	202	33	price	price	NOUN
ejif-2230	202	34	as	as	SCONJ
ejif-2230	202	35	agreed	agree	VERB
ejif-2230	202	36	in	in	ADP
ejif-2230	202	37	the	the	DET
ejif-2230	202	38	promise	promise	NOUN
ejif-2230	202	39	to	to	PART
ejif-2230	202	40	purchase	purchase	VERB
ejif-2230	202	41	and	and	CCONJ
ejif-2230	202	42	costs	cost	NOUN
ejif-2230	202	43	related	relate	VERB
ejif-2230	202	44	to	to	ADP
ejif-2230	202	45	liquidation	liquidation	NOUN
ejif-2230	202	46	of	of	ADP
ejif-2230	202	47	the	the	DET
ejif-2230	202	48	collateral	collateral	NOUN
ejif-2230	202	49	.	.	PUNCT
ejif-2230	203	1	defaults	default	NOUN
ejif-2230	203	2	ii	ii	PROPN
ejif-2230	203	3	.	.	PUNCT
ejif-2230	204	1	in	in	ADP
ejif-2230	204	2	the	the	DET
ejif-2230	204	3	event	event	NOUN
ejif-2230	204	4	that	that	SCONJ
ejif-2230	204	5	the	the	DET
ejif-2230	204	6	proceeds	proceed	NOUN
ejif-2230	204	7	from	from	ADP
ejif-2230	204	8	the	the	DET
ejif-2230	204	9	liquidation	liquidation	NOUN
ejif-2230	204	10	of	of	ADP
ejif-2230	204	11	the	the	DET
ejif-2230	204	12	collateral	collateral	NOUN
ejif-2230	204	13	is	be	AUX
ejif-2230	204	14	inadequate	inadequate	ADJ
ejif-2230	204	15	to	to	PART
ejif-2230	204	16	meet	meet	VERB
ejif-2230	204	17	the	the	DET
ejif-2230	204	18	claim	claim	NOUN
ejif-2230	204	19	under	under	ADP
ejif-2230	204	20	paragraph	paragraph	NOUN
ejif-2230	204	21	(	(	PUNCT
ejif-2230	204	22	i	i	NOUN
ejif-2230	204	23	)	)	PUNCT
ejif-2230	204	24	,	,	PUNCT
ejif-2230	204	25	the	the	DET
ejif-2230	204	26	promisee	promisee	NOUN
ejif-2230	204	27	as	as	ADP
ejif-2230	204	28	creditor	creditor	NOUN
ejif-2230	204	29	may	may	AUX
ejif-2230	204	30	demand	demand	VERB
ejif-2230	204	31	the	the	DET
ejif-2230	204	32	remaining	remain	VERB
ejif-2230	204	33	difference	difference	NOUN
ejif-2230	204	34	.	.	PUNCT
ejif-2230	205	1	iii	iii	X
ejif-2230	205	2	.	.	PUNCT
ejif-2230	206	1	if	if	SCONJ
ejif-2230	206	2	there	there	PRON
ejif-2230	206	3	is	be	VERB
ejif-2230	206	4	any	any	DET
ejif-2230	206	5	excess	excess	ADJ
ejif-2230	206	6	amount	amount	NOUN
ejif-2230	206	7	from	from	ADP
ejif-2230	206	8	the	the	DET
ejif-2230	206	9	proceeds	proceed	NOUN
ejif-2230	206	10	of	of	ADP
ejif-2230	206	11	the	the	DET
ejif-2230	206	12	collateral	collateral	ADJ
ejif-2230	206	13	liquidation	liquidation	NOUN
ejif-2230	206	14	after	after	ADP
ejif-2230	206	15	the	the	DET
ejif-2230	206	16	deduction	deduction	NOUN
ejif-2230	206	17	of	of	ADP
ejif-2230	206	18	claims	claim	NOUN
ejif-2230	206	19	under	under	ADP
ejif-2230	206	20	paragraph	paragraph	NOUN
ejif-2230	206	21	(	(	PUNCT
ejif-2230	206	22	i	i	NOUN
ejif-2230	206	23	)	)	PUNCT
ejif-2230	206	24	,	,	PUNCT
ejif-2230	206	25	the	the	DET
ejif-2230	206	26	excess	excess	ADJ
ejif-2230	206	27	amount	amount	NOUN
ejif-2230	206	28	shall	shall	AUX
ejif-2230	206	29	belong	belong	VERB
ejif-2230	206	30	to	to	ADP
ejif-2230	206	31	the	the	DET
ejif-2230	206	32	promisor	promisor	NOUN
ejif-2230	206	33	.	.	PUNCT
ejif-2230	207	1	(	(	PUNCT
ejif-2230	207	2	bnm	bnm	PROPN
ejif-2230	207	3	regulation	regulation	NOUN
ejif-2230	207	4	,	,	PUNCT
ejif-2230	207	5	2015	2015	NUM
ejif-2230	207	6	,	,	PUNCT
ejif-2230	207	7	musyarakah	musyarakah	PROPN
ejif-2230	207	8	,	,	PUNCT
ejif-2230	207	9	point	point	VERB
ejif-2230	207	10	22.10	22.10	NUM
ejif-2230	207	11	,	,	PUNCT
ejif-2230	207	12	approach	approach	NOUN
ejif-2230	207	13	2	2	NUM
ejif-2230	207	14	)	)	PUNCT
ejif-2230	207	15	.	.	PUNCT
ejif-2230	208	1	maybank	maybank	PROPN
ejif-2230	208	2	islamic	islamic	PROPN
ejif-2230	208	3	1	1	X
ejif-2230	208	4	.	.	PUNCT
ejif-2230	209	1	in	in	ADP
ejif-2230	209	2	the	the	DET
ejif-2230	209	3	event	event	NOUN
ejif-2230	209	4	of	of	ADP
ejif-2230	209	5	default	default	NOUN
ejif-2230	209	6	(	(	PUNCT
ejif-2230	209	7	nonpayment	nonpayment	NOUN
ejif-2230	209	8	)	)	PUNCT
ejif-2230	209	9	on	on	ADP
ejif-2230	209	10	three	three	NUM
ejif-2230	209	11	consecutive	consecutive	ADJ
ejif-2230	209	12	payments	payment	NOUN
ejif-2230	209	13	of	of	ADP
ejif-2230	209	14	profit	profit	NOUN
ejif-2230	209	15	pending	pende	VERB
ejif-2230	209	16	the	the	DET
ejif-2230	209	17	commencement	commencement	NOUN
ejif-2230	209	18	of	of	ADP
ejif-2230	209	19	instalment	instalment	NOUN
ejif-2230	209	20	or	or	CCONJ
ejif-2230	209	21	during	during	ADP
ejif-2230	209	22	the	the	DET
ejif-2230	209	23	payment	payment	NOUN
ejif-2230	209	24	of	of	ADP
ejif-2230	209	25	monthly	monthly	ADJ
ejif-2230	209	26	instalment	instalment	NOUN
ejif-2230	209	27	.	.	PUNCT
ejif-2230	210	1	the	the	DET
ejif-2230	210	2	bank	bank	NOUN
ejif-2230	210	3	shall	shall	AUX
ejif-2230	210	4	be	be	AUX
ejif-2230	210	5	entitled	entitle	VERB
ejif-2230	210	6	to	to	PART
ejif-2230	210	7	convert	convert	VERB
ejif-2230	210	8	the	the	DET
ejif-2230	210	9	agreed	agree	VERB
ejif-2230	210	10	rate	rate	NOUN
ejif-2230	210	11	to	to	ADP
ejif-2230	210	12	bfr+2.5	bfr+2.5	NOUN
ejif-2230	210	13	%	%	NOUN
ejif-2230	210	14	per	per	ADP
ejif-2230	210	15	annum	annum	NOUN
ejif-2230	210	16	calculated	calculate	VERB
ejif-2230	210	17	in	in	ADP
ejif-2230	210	18	the	the	DET
ejif-2230	210	19	daily	daily	ADJ
ejif-2230	210	20	balance	balance	NOUN
ejif-2230	210	21	basis	basis	NOUN
ejif-2230	210	22	or	or	CCONJ
ejif-2230	210	23	such	such	ADJ
ejif-2230	210	24	other	other	ADJ
ejif-2230	210	25	rate	rate	NOUN
ejif-2230	210	26	as	as	SCONJ
ejif-2230	210	27	the	the	DET
ejif-2230	210	28	bank	bank	NOUN
ejif-2230	210	29	may	may	AUX
ejif-2230	210	30	prescribe	prescribe	VERB
ejif-2230	210	31	from	from	ADP
ejif-2230	210	32	time	time	NOUN
ejif-2230	210	33	to	to	ADP
ejif-2230	210	34	time	time	NOUN
ejif-2230	210	35	subject	subject	ADJ
ejif-2230	210	36	always	always	ADV
ejif-2230	210	37	to	to	ADP
ejif-2230	210	38	the	the	DET
ejif-2230	210	39	selling	selling	NOUN
ejif-2230	210	40	price	price	NOUN
ejif-2230	210	41	(	(	PUNCT
ejif-2230	210	42	pds	pds	NOUN
ejif-2230	210	43	,	,	PUNCT
ejif-2230	210	44	pg.4	pg.4	PROPN
ejif-2230	210	45	)	)	PUNCT
ejif-2230	210	46	.	.	PUNCT
ejif-2230	211	1	2	2	X
ejif-2230	211	2	.	.	X
ejif-2230	211	3	right	right	NOUN
ejif-2230	211	4	to	to	PART
ejif-2230	211	5	set	set	VERB
ejif-2230	211	6	-	-	PUNCT
ejif-2230	211	7	off	off	ADP
ejif-2230	211	8	bank	bank	NOUN
ejif-2230	211	9	has	have	VERB
ejif-2230	211	10	the	the	DET
ejif-2230	211	11	right	right	NOUN
ejif-2230	211	12	to	to	PART
ejif-2230	211	13	set	set	VERB
ejif-2230	211	14	-	-	PUNCT
ejif-2230	211	15	off	off	ADP
ejif-2230	211	16	any	any	DET
ejif-2230	211	17	credit	credit	NOUN
ejif-2230	211	18	balance	balance	NOUN
ejif-2230	211	19	in	in	ADP
ejif-2230	211	20	your	your	PRON
ejif-2230	211	21	deposit	deposit	NOUN
ejif-2230	211	22	accounts	account	NOUN
ejif-2230	211	23	maintained	maintain	VERB
ejif-2230	211	24	with	with	ADP
ejif-2230	211	25	the	the	DET
ejif-2230	211	26	bank	bank	NOUN
ejif-2230	211	27	against	against	ADP
ejif-2230	211	28	any	any	DET
ejif-2230	211	29	outstanding	outstanding	ADJ
ejif-2230	211	30	balance	balance	NOUN
ejif-2230	211	31	(	(	PUNCT
ejif-2230	211	32	pds	pds	NOUN
ejif-2230	211	33	,	,	PUNCT
ejif-2230	211	34	pg.4	pg.4	PROPN
ejif-2230	211	35	)	)	PUNCT
ejif-2230	211	36	.	.	PUNCT
ejif-2230	212	1	3	3	X
ejif-2230	212	2	.	.	X
ejif-2230	213	1	right	right	ADJ
ejif-2230	213	2	to	to	PART
ejif-2230	213	3	commence	commence	VERB
ejif-2230	213	4	recovery	recovery	NOUN
ejif-2230	213	5	or	or	CCONJ
ejif-2230	213	6	legal	legal	ADJ
ejif-2230	213	7	action	action	NOUN
ejif-2230	213	8	.	.	PUNCT
ejif-2230	214	1	legal	legal	ADJ
ejif-2230	214	2	action	action	NOUN
ejif-2230	214	3	will	will	AUX
ejif-2230	214	4	be	be	AUX
ejif-2230	214	5	taken	take	VERB
ejif-2230	214	6	if	if	SCONJ
ejif-2230	214	7	the	the	DET
ejif-2230	214	8	customer	customer	NOUN
ejif-2230	214	9	fail	fail	VERB
ejif-2230	214	10	to	to	PART
ejif-2230	214	11	respond	respond	VERB
ejif-2230	214	12	to	to	ADP
ejif-2230	214	13	remainder	remainder	NOUN
ejif-2230	214	14	notices	notice	NOUN
ejif-2230	214	15	.	.	PUNCT
ejif-2230	215	1	customer	customer	NOUN
ejif-2230	215	2	’s	’s	PART
ejif-2230	215	3	property	property	NOUN
ejif-2230	215	4	maybe	maybe	ADV
ejif-2230	215	5	subjected	subject	VERB
ejif-2230	215	6	to	to	ADP
ejif-2230	215	7	foreclosure	foreclosure	NOUN
ejif-2230	215	8	and	and	CCONJ
ejif-2230	215	9	customer	customer	NOUN
ejif-2230	215	10	will	will	AUX
ejif-2230	215	11	have	have	AUX
ejif-2230	215	12	bear	bear	VERB
ejif-2230	215	13	all	all	DET
ejif-2230	215	14	the	the	DET
ejif-2230	215	15	costs	cost	NOUN
ejif-2230	215	16	.	.	PUNCT
ejif-2230	216	1	the	the	DET
ejif-2230	216	2	bank	bank	NOUN
ejif-2230	216	3	have	have	VERB
ejif-2230	216	4	a	a	DET
ejif-2230	216	5	right	right	NOUN
ejif-2230	216	6	to	to	ADP
ejif-2230	216	7	comments	comment	NOUN
ejif-2230	216	8	recovery	recovery	NOUN
ejif-2230	216	9	activities	activity	NOUN
ejif-2230	216	10	(	(	PUNCT
ejif-2230	216	11	including	include	VERB
ejif-2230	216	12	engaging	engage	VERB
ejif-2230	216	13	third	third	ADJ
ejif-2230	216	14	party	party	NOUN
ejif-2230	216	15	debt	debt	NOUN
ejif-2230	216	16	collections	collection	NOUN
ejif-2230	216	17	agencies	agency	NOUN
ejif-2230	216	18	)	)	PUNCT
ejif-2230	216	19	foreclosure	foreclosure	NOUN
ejif-2230	216	20	and	and	CCONJ
ejif-2230	216	21	bankruptcy	bankruptcy	NOUN
ejif-2230	216	22	proceedings	proceeding	NOUN
ejif-2230	216	23	(	(	PUNCT
ejif-2230	216	24	pds	pds	NOUN
ejif-2230	216	25	,	,	PUNCT
ejif-2230	216	26	pg.4	pg.4	PROPN
ejif-2230	216	27	)	)	PUNCT
ejif-2230	216	28	.	.	PUNCT
ejif-2230	217	1	4	4	X
ejif-2230	217	2	.	.	X
ejif-2230	217	3	right	right	NOUN
ejif-2230	217	4	to	to	PART
ejif-2230	217	5	review	review	VERB
ejif-2230	217	6	and	and	CCONJ
ejif-2230	217	7	terminate	terminate	VERB
ejif-2230	217	8	the	the	DET
ejif-2230	217	9	facility	facility	NOUN
ejif-2230	217	10	upon	upon	SCONJ
ejif-2230	217	11	the	the	DET
ejif-2230	217	12	occurrence	occurrence	NOUN
ejif-2230	217	13	any	any	DET
ejif-2230	217	14	other	other	ADJ
ejif-2230	217	15	events	event	NOUN
ejif-2230	217	16	of	of	ADP
ejif-2230	217	17	defaults	default	NOUN
ejif-2230	217	18	as	as	SCONJ
ejif-2230	217	19	agreed	agree	VERB
ejif-2230	217	20	in	in	ADP
ejif-2230	217	21	terms	term	NOUN
ejif-2230	217	22	and	and	CCONJ
ejif-2230	217	23	condition	condition	NOUN
ejif-2230	217	24	of	of	ADP
ejif-2230	217	25	the	the	DET
ejif-2230	217	26	facility	facility	NOUN
ejif-2230	217	27	(	(	PUNCT
ejif-2230	217	28	pds	pds	NOUN
ejif-2230	217	29	,	,	PUNCT
ejif-2230	217	30	pg.4	pg.4	PROPN
ejif-2230	217	31	)	)	PUNCT
ejif-2230	217	32	.	.	PUNCT
ejif-2230	218	1	gap	gap	NOUN
ejif-2230	218	2	since	since	SCONJ
ejif-2230	218	3	maybank	maybank	PROPN
ejif-2230	218	4	does	do	AUX
ejif-2230	218	5	not	not	PART
ejif-2230	218	6	follow	follow	VERB
ejif-2230	218	7	exactly	exactly	ADV
ejif-2230	218	8	the	the	DET
ejif-2230	218	9	guidance	guidance	NOUN
ejif-2230	218	10	given	give	VERB
ejif-2230	218	11	by	by	ADP
ejif-2230	218	12	the	the	DET
ejif-2230	218	13	bnm	bnm	PROPN
ejif-2230	218	14	inconsiste	inconsiste	PROPN
ejif-2230	218	15	ncy	ncy	PROPN
ejif-2230	218	16	issue	issue	NOUN
ejif-2230	218	17	hsbc	hsbc	PROPN
ejif-2230	218	18	amanah	amanah	PROPN
ejif-2230	218	19	1	1	NUM
ejif-2230	218	20	.	.	PUNCT
ejif-2230	219	1	right	right	ADJ
ejif-2230	219	2	to	to	PART
ejif-2230	219	3	set	set	VERB
ejif-2230	219	4	-	-	PUNCT
ejif-2230	219	5	off	off	ADP
ejif-2230	219	6	:	:	PUNCT
ejif-2230	219	7	the	the	DET
ejif-2230	219	8	bank	bank	NOUN
ejif-2230	219	9	have	have	VERB
ejif-2230	219	10	the	the	DET
ejif-2230	219	11	right	right	NOUN
ejif-2230	219	12	to	to	PART
ejif-2230	219	13	set	set	VERB
ejif-2230	219	14	-	-	PUNCT
ejif-2230	219	15	off	off	ADP
ejif-2230	219	16	any	any	DET
ejif-2230	219	17	credit	credit	NOUN
ejif-2230	219	18	balance	balance	NOUN
ejif-2230	219	19	in	in	ADP
ejif-2230	219	20	customer	customer	NOUN
ejif-2230	219	21	account(s	account(s	NOUN
ejif-2230	219	22	)	)	PUNCT
ejif-2230	219	23	maintained	maintain	VERB
ejif-2230	219	24	with	with	ADP
ejif-2230	219	25	us	we	PRON
ejif-2230	219	26	against	against	ADP
ejif-2230	219	27	any	any	DET
ejif-2230	219	28	outstanding	outstanding	ADJ
ejif-2230	219	29	balance	balance	NOUN
ejif-2230	219	30	in	in	ADP
ejif-2230	219	31	this	this	DET
ejif-2230	219	32	financing	financing	NOUN
ejif-2230	219	33	account	account	NOUN
ejif-2230	219	34	(	(	PUNCT
ejif-2230	219	35	pds	pds	NOUN
ejif-2230	219	36	hsbc	hsbc	PROPN
ejif-2230	219	37	,	,	PUNCT
ejif-2230	219	38	pg.3	pg.3	PROPN
ejif-2230	219	39	)	)	PUNCT
ejif-2230	219	40	.	.	PUNCT
ejif-2230	220	1	2	2	X
ejif-2230	220	2	.	.	X
ejif-2230	220	3	legal	legal	ADJ
ejif-2230	220	4	action	action	NOUN
ejif-2230	220	5	will	will	AUX
ejif-2230	220	6	be	be	AUX
ejif-2230	220	7	taken	take	VERB
ejif-2230	220	8	if	if	SCONJ
ejif-2230	220	9	customer	customer	NOUN
ejif-2230	220	10	fail	fail	VERB
ejif-2230	220	11	to	to	PART
ejif-2230	220	12	respond	respond	VERB
ejif-2230	220	13	to	to	ADP
ejif-2230	220	14	reminder	reminder	NOUN
ejif-2230	220	15	notices	notice	NOUN
ejif-2230	220	16	issued	issue	VERB
ejif-2230	220	17	.	.	PUNCT
ejif-2230	221	1	customer	customer	NOUN
ejif-2230	221	2	property	property	NOUN
ejif-2230	221	3	may	may	AUX
ejif-2230	221	4	be	be	AUX
ejif-2230	221	5	foreclosed	foreclose	VERB
ejif-2230	221	6	and	and	CCONJ
ejif-2230	221	7	gap	gap	NOUN
ejif-2230	221	8	since	since	SCONJ
ejif-2230	221	9	hsbc	hsbc	PROPN
ejif-2230	221	10	does	do	AUX
ejif-2230	221	11	not	not	PART
ejif-2230	221	12	follow	follow	VERB
ejif-2230	221	13	exactly	exactly	ADV
ejif-2230	221	14	the	the	DET
ejif-2230	221	15	guidance	guidance	NOUN
ejif-2230	221	16	given	give	VERB
ejif-2230	221	17	by	by	ADP
ejif-2230	221	18	the	the	DET
ejif-2230	221	19	bnm	bnm	PROPN
ejif-2230	221	20	ejif	ejif	PROPN
ejif-2230	221	21	–	–	PUNCT
ejif-2230	221	22	european	european	PROPN
ejif-2230	221	23	journal	journal	PROPN
ejif-2230	221	24	of	of	ADP
ejif-2230	221	25	islamic	islamic	PROPN
ejif-2230	221	26	finance	finance	PROPN
ejif-2230	221	27	no8	no8	PROPN
ejif-2230	221	28	,	,	PUNCT
ejif-2230	221	29	december	december	PROPN
ejif-2230	221	30	(	(	PUNCT
ejif-2230	221	31	2017	2017	NUM
ejif-2230	221	32	)	)	PUNCT
ejif-2230	222	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	222	2	issn	issn	VERB
ejif-2230	222	3	2421	2421	NUM
ejif-2230	222	4	-	-	SYM
ejif-2230	222	5	2172	2172	NUM
ejif-2230	222	6	8	8	NUM
ejif-2230	222	7	customer	customer	NOUN
ejif-2230	222	8	will	will	AUX
ejif-2230	222	9	have	have	VERB
ejif-2230	222	10	to	to	PART
ejif-2230	222	11	bear	bear	VERB
ejif-2230	222	12	all	all	DET
ejif-2230	222	13	related	related	ADJ
ejif-2230	222	14	costs	cost	NOUN
ejif-2230	222	15	.	.	PUNCT
ejif-2230	223	1	customers	customer	NOUN
ejif-2230	223	2	are	be	AUX
ejif-2230	223	3	also	also	ADV
ejif-2230	223	4	responsible	responsible	ADJ
ejif-2230	223	5	to	to	PART
ejif-2230	223	6	settle	settle	VERB
ejif-2230	223	7	any	any	DET
ejif-2230	223	8	shortfall	shortfall	NOUN
ejif-2230	223	9	after	after	SCONJ
ejif-2230	223	10	your	your	PRON
ejif-2230	223	11	property	property	NOUN
ejif-2230	223	12	is	be	AUX
ejif-2230	223	13	sold	sell	VERB
ejif-2230	223	14	(	(	PUNCT
ejif-2230	223	15	pds	pds	NOUN
ejif-2230	223	16	hsbc	hsbc	PROPN
ejif-2230	223	17	,	,	PUNCT
ejif-2230	223	18	pg.3	pg.3	PROPN
ejif-2230	223	19	)	)	PUNCT
ejif-2230	223	20	.	.	PUNCT
ejif-2230	224	1	3	3	X
ejif-2230	224	2	.	.	X
ejif-2230	224	3	legal	legal	ADJ
ejif-2230	224	4	action	action	NOUN
ejif-2230	224	5	against	against	ADP
ejif-2230	224	6	customer	customer	NOUN
ejif-2230	224	7	may	may	AUX
ejif-2230	224	8	affect	affect	VERB
ejif-2230	224	9	the	the	DET
ejif-2230	224	10	customer	customer	NOUN
ejif-2230	224	11	credit	credit	NOUN
ejif-2230	224	12	rating	rating	NOUN
ejif-2230	224	13	leading	lead	VERB
ejif-2230	224	14	to	to	ADP
ejif-2230	224	15	the	the	DET
ejif-2230	224	16	credit	credit	NOUN
ejif-2230	224	17	being	be	AUX
ejif-2230	224	18	more	more	ADV
ejif-2230	224	19	difficult	difficult	ADJ
ejif-2230	224	20	or	or	CCONJ
ejif-2230	224	21	expensive	expensive	ADJ
ejif-2230	224	22	to	to	ADP
ejif-2230	224	23	customer	customer	NOUN
ejif-2230	224	24	(	(	PUNCT
ejif-2230	224	25	pds	pds	NOUN
ejif-2230	224	26	hsbc	hsbc	PROPN
ejif-2230	224	27	,	,	PUNCT
ejif-2230	224	28	pg.3	pg.3	PROPN
ejif-2230	224	29	)	)	PUNCT
ejif-2230	224	30	.	.	PUNCT
ejif-2230	225	1	comment	comment	VERB
ejif-2230	225	2	the	the	DET
ejif-2230	225	3	bnm	bnm	PROPN
ejif-2230	225	4	has	have	AUX
ejif-2230	225	5	given	give	VERB
ejif-2230	225	6	the	the	DET
ejif-2230	225	7	two	two	NUM
ejif-2230	225	8	possible	possible	ADJ
ejif-2230	225	9	approaches	approach	NOUN
ejif-2230	225	10	that	that	PRON
ejif-2230	225	11	the	the	DET
ejif-2230	225	12	islamic	islamic	PROPN
ejif-2230	225	13	bank	bank	PROPN
ejif-2230	225	14	can	can	AUX
ejif-2230	225	15	do	do	VERB
ejif-2230	225	16	in	in	ADP
ejif-2230	225	17	case	case	NOUN
ejif-2230	225	18	of	of	ADP
ejif-2230	225	19	their	their	PRON
ejif-2230	225	20	customer	customer	NOUN
ejif-2230	225	21	defaulting	default	VERB
ejif-2230	225	22	,	,	PUNCT
ejif-2230	225	23	however	however	ADV
ejif-2230	225	24	,	,	PUNCT
ejif-2230	225	25	in	in	SCONJ
ejif-2230	225	26	the	the	DET
ejif-2230	225	27	real	real	ADJ
ejif-2230	225	28	practice	practice	NOUN
ejif-2230	225	29	maybank	maybank	PROPN
ejif-2230	225	30	and	and	CCONJ
ejif-2230	225	31	hsbc	hsbc	PROPN
ejif-2230	225	32	do	do	AUX
ejif-2230	225	33	not	not	PART
ejif-2230	225	34	follow	follow	VERB
ejif-2230	225	35	exactly	exactly	ADV
ejif-2230	225	36	the	the	DET
ejif-2230	225	37	recommendation	recommendation	NOUN
ejif-2230	225	38	given	give	VERB
ejif-2230	225	39	by	by	ADP
ejif-2230	225	40	the	the	DET
ejif-2230	225	41	bnm	bnm	PROPN
ejif-2230	225	42	,	,	PUNCT
ejif-2230	225	43	these	these	DET
ejif-2230	225	44	different	different	ADJ
ejif-2230	225	45	approaches	approach	NOUN
ejif-2230	225	46	implemented	implement	VERB
ejif-2230	225	47	by	by	ADP
ejif-2230	225	48	both	both	DET
ejif-2230	225	49	banks	bank	NOUN
ejif-2230	225	50	can	can	AUX
ejif-2230	225	51	not	not	PART
ejif-2230	225	52	be	be	AUX
ejif-2230	225	53	considered	consider	VERB
ejif-2230	225	54	a	a	DET
ejif-2230	225	55	major	major	ADJ
ejif-2230	225	56	gap	gap	NOUN
ejif-2230	225	57	,	,	PUNCT
ejif-2230	225	58	since	since	SCONJ
ejif-2230	225	59	it	it	PRON
ejif-2230	225	60	is	be	AUX
ejif-2230	225	61	only	only	ADV
ejif-2230	225	62	the	the	DET
ejif-2230	225	63	guidance	guidance	NOUN
ejif-2230	225	64	and	and	CCONJ
ejif-2230	225	65	not	not	PART
ejif-2230	225	66	standard	standard	NOUN
ejif-2230	225	67	.	.	PUNCT
ejif-2230	226	1	in	in	ADP
ejif-2230	226	2	maybank	maybank	PROPN
ejif-2230	226	3	practice	practice	NOUN
ejif-2230	226	4	,	,	PUNCT
ejif-2230	226	5	in	in	ADP
ejif-2230	226	6	the	the	DET
ejif-2230	226	7	case	case	NOUN
ejif-2230	226	8	of	of	ADP
ejif-2230	226	9	default	default	NOUN
ejif-2230	226	10	,	,	PUNCT
ejif-2230	226	11	the	the	DET
ejif-2230	226	12	bank	bank	NOUN
ejif-2230	226	13	converts	convert	VERB
ejif-2230	226	14	the	the	DET
ejif-2230	226	15	agreed	agree	VERB
ejif-2230	226	16	profit	profit	NOUN
ejif-2230	226	17	rate	rate	NOUN
ejif-2230	226	18	into	into	ADP
ejif-2230	226	19	bfr	bfr	NOUN
ejif-2230	226	20	+	+	CCONJ
ejif-2230	226	21	2.5	2.5	NUM
ejif-2230	226	22	%	%	NOUN
ejif-2230	226	23	.	.	PUNCT
ejif-2230	227	1	or	or	CCONJ
ejif-2230	227	2	any	any	DET
ejif-2230	227	3	rate	rate	NOUN
ejif-2230	227	4	the	the	DET
ejif-2230	227	5	bank	bank	NOUN
ejif-2230	227	6	wishes	wish	VERB
ejif-2230	227	7	.	.	PUNCT
ejif-2230	228	1	the	the	DET
ejif-2230	228	2	question	question	NOUN
ejif-2230	228	3	is	be	AUX
ejif-2230	228	4	,	,	PUNCT
ejif-2230	228	5	this	this	DET
ejif-2230	228	6	type	type	NOUN
ejif-2230	228	7	of	of	ADP
ejif-2230	228	8	practice	practice	NOUN
ejif-2230	228	9	is	be	AUX
ejif-2230	228	10	considered	consider	VERB
ejif-2230	228	11	shariah	shariah	PROPN
ejif-2230	228	12	compliant	compliant	NOUN
ejif-2230	228	13	or	or	CCONJ
ejif-2230	228	14	not	not	PART
ejif-2230	228	15	?	?	PUNCT
ejif-2230	229	1	since	since	SCONJ
ejif-2230	229	2	the	the	DET
ejif-2230	229	3	bank	bank	NOUN
ejif-2230	229	4	already	already	ADV
ejif-2230	229	5	have	have	VERB
ejif-2230	229	6	the	the	DET
ejif-2230	229	7	agreement	agreement	NOUN
ejif-2230	229	8	with	with	ADP
ejif-2230	229	9	the	the	DET
ejif-2230	229	10	customer	customer	NOUN
ejif-2230	229	11	upfront	upfront	ADJ
ejif-2230	229	12	about	about	ADP
ejif-2230	229	13	the	the	DET
ejif-2230	229	14	profit	profit	NOUN
ejif-2230	229	15	rate	rate	NOUN
ejif-2230	229	16	.	.	PUNCT
ejif-2230	230	1	iv	iv	X
ejif-2230	230	2	.	.	PUNCT
ejif-2230	230	3	conclusion	conclusion	NOUN
ejif-2230	230	4	and	and	CCONJ
ejif-2230	230	5	recommendation	recommendation	NOUN
ejif-2230	230	6	for	for	ADP
ejif-2230	230	7	future	future	ADJ
ejif-2230	230	8	research	research	NOUN
ejif-2230	230	9	mm	mm	PROPN
ejif-2230	230	10	has	have	AUX
ejif-2230	230	11	been	be	AUX
ejif-2230	230	12	implemented	implement	VERB
ejif-2230	230	13	in	in	ADP
ejif-2230	230	14	malaysia	malaysia	PROPN
ejif-2230	230	15	by	by	ADP
ejif-2230	230	16	several	several	ADJ
ejif-2230	230	17	islamic	islamic	ADJ
ejif-2230	230	18	banks	bank	NOUN
ejif-2230	230	19	.	.	PUNCT
ejif-2230	231	1	this	this	DET
ejif-2230	231	2	financing	financing	NOUN
ejif-2230	231	3	mode	mode	NOUN
ejif-2230	231	4	is	be	AUX
ejif-2230	231	5	regulated	regulate	VERB
ejif-2230	231	6	under	under	ADP
ejif-2230	231	7	bnm	bnm	PROPN
ejif-2230	231	8	regulation	regulation	NOUN
ejif-2230	231	9	.	.	PUNCT
ejif-2230	232	1	along	along	ADP
ejif-2230	232	2	the	the	DET
ejif-2230	232	3	way	way	NOUN
ejif-2230	232	4	,	,	PUNCT
ejif-2230	232	5	in	in	ADP
ejif-2230	232	6	real	real	ADJ
ejif-2230	232	7	practices	practice	NOUN
ejif-2230	232	8	,	,	PUNCT
ejif-2230	232	9	banks	bank	NOUN
ejif-2230	232	10	may	may	AUX
ejif-2230	232	11	perform	perform	VERB
ejif-2230	232	12	differently	differently	ADV
ejif-2230	232	13	.	.	PUNCT
ejif-2230	233	1	this	this	DET
ejif-2230	233	2	study	study	NOUN
ejif-2230	233	3	found	find	VERB
ejif-2230	233	4	the	the	DET
ejif-2230	233	5	gap	gap	NOUN
ejif-2230	233	6	between	between	ADP
ejif-2230	233	7	bnm	bnm	PROPN
ejif-2230	233	8	regulation	regulation	NOUN
ejif-2230	233	9	and	and	CCONJ
ejif-2230	233	10	both	both	DET
ejif-2230	233	11	maybank	maybank	PROPN
ejif-2230	233	12	islamic	islamic	PROPN
ejif-2230	233	13	and	and	CCONJ
ejif-2230	233	14	hsbc	hsbc	PROPN
ejif-2230	233	15	amanah	amanah	PROPN
ejif-2230	233	16	practices	practice	NOUN
ejif-2230	233	17	related	relate	VERB
ejif-2230	233	18	to	to	ADP
ejif-2230	233	19	musharakah	musharakah	PROPN
ejif-2230	233	20	mutanaqisah	mutanaqisah	PROPN
ejif-2230	233	21	.	.	PUNCT
ejif-2230	234	1	in	in	ADP
ejif-2230	234	2	the	the	DET
ejif-2230	234	3	aforementioned	aforementioned	ADJ
ejif-2230	234	4	eight	eight	NUM
ejif-2230	234	5	points	point	NOUN
ejif-2230	234	6	,	,	PUNCT
ejif-2230	234	7	there	there	PRON
ejif-2230	234	8	are	be	VERB
ejif-2230	234	9	four	four	NUM
ejif-2230	234	10	gaps	gap	NOUN
ejif-2230	234	11	consist	consist	NOUN
ejif-2230	234	12	of	of	ADP
ejif-2230	234	13	one	one	NUM
ejif-2230	234	14	major	major	ADJ
ejif-2230	234	15	gap	gap	NOUN
ejif-2230	234	16	and	and	CCONJ
ejif-2230	234	17	three	three	NUM
ejif-2230	234	18	minor	minor	ADJ
ejif-2230	234	19	gaps	gap	NOUN
ejif-2230	234	20	,	,	PUNCT
ejif-2230	234	21	the	the	DET
ejif-2230	234	22	major	major	ADJ
ejif-2230	234	23	gap	gap	NOUN
ejif-2230	234	24	is	be	AUX
ejif-2230	234	25	related	relate	VERB
ejif-2230	234	26	to	to	ADP
ejif-2230	234	27	charging	charge	VERB
ejif-2230	234	28	early	early	ADJ
ejif-2230	234	29	settlement	settlement	NOUN
ejif-2230	234	30	fee	fee	NOUN
ejif-2230	234	31	by	by	ADP
ejif-2230	234	32	hsbc	hsbc	PROPN
ejif-2230	234	33	amanah	amanah	PROPN
ejif-2230	234	34	.	.	PUNCT
ejif-2230	235	1	in	in	ADP
ejif-2230	235	2	addition	addition	NOUN
ejif-2230	235	3	,	,	PUNCT
ejif-2230	235	4	three	three	NUM
ejif-2230	235	5	minor	minor	ADJ
ejif-2230	235	6	gaps	gap	NOUN
ejif-2230	235	7	are	be	AUX
ejif-2230	235	8	related	relate	VERB
ejif-2230	235	9	to	to	ADP
ejif-2230	235	10	wa’d	wa’d	ADJ
ejif-2230	235	11	statement	statement	NOUN
ejif-2230	235	12	in	in	ADP
ejif-2230	235	13	both	both	DET
ejif-2230	235	14	banks	bank	NOUN
ejif-2230	235	15	,	,	PUNCT
ejif-2230	235	16	pledge	pledge	VERB
ejif-2230	235	17	statement	statement	NOUN
ejif-2230	235	18	in	in	ADP
ejif-2230	235	19	maybank	maybank	PROPN
ejif-2230	235	20	side	side	NOUN
ejif-2230	235	21	,	,	PUNCT
ejif-2230	235	22	and	and	CCONJ
ejif-2230	235	23	default	default	NOUN
ejif-2230	235	24	approach	approach	NOUN
ejif-2230	235	25	compliance	compliance	NOUN
ejif-2230	235	26	in	in	ADP
ejif-2230	235	27	both	both	DET
ejif-2230	235	28	banks	bank	NOUN
ejif-2230	235	29	.	.	PUNCT
ejif-2230	236	1	furthermore	furthermore	ADV
ejif-2230	236	2	,	,	PUNCT
ejif-2230	236	3	this	this	DET
ejif-2230	236	4	study	study	NOUN
ejif-2230	236	5	found	find	VERB
ejif-2230	236	6	the	the	DET
ejif-2230	236	7	possible	possible	ADJ
ejif-2230	236	8	shariah	shariah	PROPN
ejif-2230	236	9	issue	issue	NOUN
ejif-2230	236	10	on	on	ADP
ejif-2230	236	11	maybank	maybank	PROPN
ejif-2230	236	12	practice	practice	NOUN
ejif-2230	236	13	in	in	ADP
ejif-2230	236	14	the	the	DET
ejif-2230	236	15	default	default	NOUN
ejif-2230	236	16	cases	case	NOUN
ejif-2230	236	17	where	where	SCONJ
ejif-2230	236	18	the	the	DET
ejif-2230	236	19	bank	bank	NOUN
ejif-2230	236	20	has	have	VERB
ejif-2230	236	21	right	right	NOUN
ejif-2230	236	22	to	to	PART
ejif-2230	236	23	change	change	VERB
ejif-2230	236	24	the	the	DET
ejif-2230	236	25	already	already	ADV
ejif-2230	236	26	agreed	agree	VERB
ejif-2230	236	27	profit	profit	NOUN
ejif-2230	236	28	rate	rate	NOUN
ejif-2230	236	29	to	to	ADP
ejif-2230	236	30	whatever	whatever	PRON
ejif-2230	236	31	they	they	PRON
ejif-2230	236	32	like	like	VERB
ejif-2230	236	33	.	.	PUNCT
ejif-2230	237	1	however	however	ADV
ejif-2230	237	2	,	,	PUNCT
ejif-2230	237	3	this	this	DET
ejif-2230	237	4	study	study	NOUN
ejif-2230	237	5	does	do	AUX
ejif-2230	237	6	not	not	PART
ejif-2230	237	7	examine	examine	VERB
ejif-2230	237	8	the	the	DET
ejif-2230	237	9	gap	gap	NOUN
ejif-2230	237	10	that	that	PRON
ejif-2230	237	11	related	relate	VERB
ejif-2230	237	12	to	to	ADP
ejif-2230	237	13	the	the	DET
ejif-2230	237	14	contract	contract	NOUN
ejif-2230	237	15	validity	validity	NOUN
ejif-2230	237	16	.	.	PUNCT
ejif-2230	238	1	nevertheless	nevertheless	ADV
ejif-2230	238	2	,	,	PUNCT
ejif-2230	238	3	even	even	ADV
ejif-2230	238	4	a	a	DET
ejif-2230	238	5	single	single	ADJ
ejif-2230	238	6	gap	gap	NOUN
ejif-2230	238	7	which	which	PRON
ejif-2230	238	8	found	find	VERB
ejif-2230	238	9	in	in	ADP
ejif-2230	238	10	each	each	DET
ejif-2230	238	11	bank	bank	NOUN
ejif-2230	238	12	practice	practice	NOUN
ejif-2230	238	13	,	,	PUNCT
ejif-2230	238	14	it	it	PRON
ejif-2230	238	15	can	can	AUX
ejif-2230	238	16	be	be	AUX
ejif-2230	238	17	considered	consider	VERB
ejif-2230	238	18	the	the	DET
ejif-2230	238	19	serious	serious	ADJ
ejif-2230	238	20	issue	issue	NOUN
ejif-2230	238	21	because	because	SCONJ
ejif-2230	238	22	this	this	DET
ejif-2230	238	23	gap	gap	NOUN
ejif-2230	238	24	affects	affect	VERB
ejif-2230	238	25	the	the	DET
ejif-2230	238	26	contract	contract	NOUN
ejif-2230	238	27	validity	validity	NOUN
ejif-2230	238	28	of	of	ADP
ejif-2230	238	29	the	the	DET
ejif-2230	238	30	product	product	NOUN
ejif-2230	238	31	.	.	PUNCT
ejif-2230	239	1	by	by	ADP
ejif-2230	239	2	uncovering	uncover	VERB
ejif-2230	239	3	several	several	ADJ
ejif-2230	239	4	gaps	gap	NOUN
ejif-2230	239	5	that	that	PRON
ejif-2230	239	6	existed	exist	VERB
ejif-2230	239	7	in	in	ADP
ejif-2230	239	8	their	their	PRON
ejif-2230	239	9	practices	practice	NOUN
ejif-2230	239	10	,	,	PUNCT
ejif-2230	239	11	this	this	DET
ejif-2230	239	12	study	study	NOUN
ejif-2230	239	13	suggests	suggest	VERB
ejif-2230	239	14	for	for	ADP
ejif-2230	239	15	better	well	ADJ
ejif-2230	239	16	monitoring	monitoring	NOUN
ejif-2230	239	17	and	and	CCONJ
ejif-2230	239	18	supervision	supervision	NOUN
ejif-2230	239	19	conducted	conduct	VERB
ejif-2230	239	20	by	by	ADP
ejif-2230	239	21	all	all	DET
ejif-2230	239	22	involved	involved	ADJ
ejif-2230	239	23	parties	party	NOUN
ejif-2230	239	24	.	.	PUNCT
ejif-2230	240	1	bnm	bnm	PROPN
ejif-2230	240	2	shariah	shariah	PROPN
ejif-2230	240	3	advisory	advisory	PROPN
ejif-2230	240	4	council	council	PROPN
ejif-2230	240	5	and	and	CCONJ
ejif-2230	240	6	shariah	shariah	PROPN
ejif-2230	240	7	committee	committee	PROPN
ejif-2230	240	8	of	of	ADP
ejif-2230	240	9	respective	respective	ADJ
ejif-2230	240	10	islamic	islamic	PROPN
ejif-2230	240	11	bank	bank	PROPN
ejif-2230	240	12	should	should	AUX
ejif-2230	240	13	verify	verify	VERB
ejif-2230	240	14	the	the	DET
ejif-2230	240	15	practice	practice	NOUN
ejif-2230	240	16	that	that	PRON
ejif-2230	240	17	may	may	AUX
ejif-2230	240	18	cause	cause	VERB
ejif-2230	240	19	the	the	DET
ejif-2230	240	20	contract	contract	NOUN
ejif-2230	240	21	to	to	PART
ejif-2230	240	22	become	become	VERB
ejif-2230	240	23	void	void	ADJ
ejif-2230	240	24	.	.	PUNCT
ejif-2230	241	1	in	in	ADP
ejif-2230	241	2	addition	addition	NOUN
ejif-2230	241	3	,	,	PUNCT
ejif-2230	241	4	the	the	DET
ejif-2230	241	5	islamic	islamic	ADJ
ejif-2230	241	6	financial	financial	ADJ
ejif-2230	241	7	institutions	institution	NOUN
ejif-2230	241	8	should	should	AUX
ejif-2230	241	9	strictly	strictly	ADV
ejif-2230	241	10	follow	follow	VERB
ejif-2230	241	11	all	all	DET
ejif-2230	241	12	the	the	DET
ejif-2230	241	13	regulation	regulation	NOUN
ejif-2230	241	14	issued	issue	VERB
ejif-2230	241	15	by	by	ADP
ejif-2230	241	16	the	the	DET
ejif-2230	241	17	bank	bank	NOUN
ejif-2230	241	18	negara	negara	PROPN
ejif-2230	241	19	malaysia	malaysia	PROPN
ejif-2230	242	1	even	even	ADV
ejif-2230	242	2	it	it	PRON
ejif-2230	242	3	was	be	AUX
ejif-2230	242	4	the	the	DET
ejif-2230	242	5	guidance	guidance	NOUN
ejif-2230	242	6	in	in	ADP
ejif-2230	242	7	all	all	DET
ejif-2230	242	8	their	their	PRON
ejif-2230	242	9	practices	practice	NOUN
ejif-2230	242	10	and	and	CCONJ
ejif-2230	242	11	publication	publication	NOUN
ejif-2230	242	12	in	in	ADP
ejif-2230	242	13	order	order	NOUN
ejif-2230	242	14	to	to	PART
ejif-2230	242	15	make	make	VERB
ejif-2230	242	16	the	the	DET
ejif-2230	242	17	practices	practice	NOUN
ejif-2230	242	18	fully	fully	ADV
ejif-2230	242	19	compliant	compliant	ADJ
ejif-2230	242	20	with	with	ADP
ejif-2230	242	21	bnm	bnm	PROPN
ejif-2230	242	22	regulations	regulation	NOUN
ejif-2230	242	23	and	and	CCONJ
ejif-2230	242	24	to	to	PART
ejif-2230	242	25	cater	cater	VERB
ejif-2230	242	26	public	public	ADJ
ejif-2230	242	27	confidence	confidence	NOUN
ejif-2230	242	28	.	.	PUNCT
ejif-2230	243	1	a.	a.	NOUN
ejif-2230	243	2	recommendation	recommendation	NOUN
ejif-2230	243	3	for	for	ADP
ejif-2230	243	4	future	future	ADJ
ejif-2230	243	5	research	research	NOUN
ejif-2230	243	6	this	this	DET
ejif-2230	243	7	study	study	NOUN
ejif-2230	243	8	is	be	AUX
ejif-2230	243	9	conducted	conduct	VERB
ejif-2230	243	10	by	by	ADP
ejif-2230	243	11	identifying	identify	VERB
ejif-2230	243	12	two	two	NUM
ejif-2230	243	13	major	major	ADJ
ejif-2230	243	14	islamic	islamic	ADJ
ejif-2230	243	15	banks	bank	NOUN
ejif-2230	243	16	in	in	ADP
ejif-2230	243	17	malaysia	malaysia	PROPN
ejif-2230	243	18	which	which	PRON
ejif-2230	243	19	are	be	AUX
ejif-2230	243	20	maybank	maybank	PROPN
ejif-2230	243	21	islamic	islamic	NOUN
ejif-2230	243	22	and	and	CCONJ
ejif-2230	243	23	hsbc	hsbc	PROPN
ejif-2230	243	24	amanah	amanah	PROPN
ejif-2230	243	25	.	.	PUNCT
ejif-2230	244	1	as	as	SCONJ
ejif-2230	244	2	this	this	DET
ejif-2230	244	3	research	research	NOUN
ejif-2230	244	4	only	only	ADV
ejif-2230	244	5	found	find	VERB
ejif-2230	244	6	one	one	NUM
ejif-2230	244	7	major	major	ADJ
ejif-2230	244	8	gap	gap	NOUN
ejif-2230	244	9	between	between	ADP
ejif-2230	244	10	the	the	DET
ejif-2230	244	11	practice	practice	NOUN
ejif-2230	244	12	and	and	CCONJ
ejif-2230	244	13	regulations	regulation	NOUN
ejif-2230	244	14	,	,	PUNCT
ejif-2230	244	15	it	it	PRON
ejif-2230	244	16	still	still	ADV
ejif-2230	244	17	needs	need	VERB
ejif-2230	244	18	further	further	ADJ
ejif-2230	244	19	development	development	NOUN
ejif-2230	244	20	for	for	ADP
ejif-2230	244	21	future	future	ADJ
ejif-2230	244	22	research	research	NOUN
ejif-2230	244	23	by	by	ADP
ejif-2230	244	24	analyzing	analyze	VERB
ejif-2230	244	25	and	and	CCONJ
ejif-2230	244	26	examining	examine	VERB
ejif-2230	244	27	more	more	ADJ
ejif-2230	244	28	islamic	islamic	ADJ
ejif-2230	244	29	banks	bank	NOUN
ejif-2230	244	30	that	that	PRON
ejif-2230	244	31	offers	offer	VERB
ejif-2230	244	32	this	this	DET
ejif-2230	244	33	type	type	NOUN
ejif-2230	244	34	of	of	ADP
ejif-2230	244	35	product	product	NOUN
ejif-2230	244	36	and	and	CCONJ
ejif-2230	244	37	also	also	ADV
ejif-2230	244	38	by	by	ADP
ejif-2230	244	39	conducting	conduct	VERB
ejif-2230	244	40	interviews	interview	NOUN
ejif-2230	244	41	and	and	CCONJ
ejif-2230	244	42	field	field	NOUN
ejif-2230	244	43	based	base	VERB
ejif-2230	244	44	group	group	NOUN
ejif-2230	244	45	discussion	discussion	NOUN
ejif-2230	244	46	.	.	PUNCT
ejif-2230	245	1	the	the	DET
ejif-2230	245	2	researchers	researcher	NOUN
ejif-2230	245	3	believe	believe	VERB
ejif-2230	245	4	that	that	SCONJ
ejif-2230	245	5	there	there	PRON
ejif-2230	245	6	are	be	VERB
ejif-2230	245	7	still	still	ADV
ejif-2230	245	8	many	many	ADJ
ejif-2230	245	9	gaps	gap	NOUN
ejif-2230	245	10	to	to	PART
ejif-2230	245	11	be	be	AUX
ejif-2230	245	12	exposed	expose	VERB
ejif-2230	245	13	if	if	SCONJ
ejif-2230	245	14	the	the	DET
ejif-2230	245	15	future	future	ADJ
ejif-2230	245	16	researcher	researcher	NOUN
ejif-2230	245	17	is	be	AUX
ejif-2230	245	18	willing	willing	ADJ
ejif-2230	245	19	to	to	PART
ejif-2230	245	20	do	do	VERB
ejif-2230	245	21	the	the	DET
ejif-2230	245	22	complex	complex	ADJ
ejif-2230	245	23	research	research	NOUN
ejif-2230	245	24	by	by	ADP
ejif-2230	245	25	comparing	compare	VERB
ejif-2230	245	26	multiple	multiple	ADJ
ejif-2230	245	27	banks	bank	NOUN
ejif-2230	245	28	and	and	CCONJ
ejif-2230	245	29	interviewing	interview	VERB
ejif-2230	245	30	the	the	DET
ejif-2230	245	31	respective	respective	ADJ
ejif-2230	245	32	bank	bank	NOUN
ejif-2230	245	33	for	for	ADP
ejif-2230	245	34	the	the	DET
ejif-2230	245	35	product	product	NOUN
ejif-2230	245	36	that	that	PRON
ejif-2230	245	37	they	they	PRON
ejif-2230	245	38	offer	offer	VERB
ejif-2230	245	39	.	.	PUNCT
ejif-2230	246	1	references	reference	NOUN
ejif-2230	246	2	[	[	X
ejif-2230	246	3	1	1	NUM
ejif-2230	246	4	]	]	X
ejif-2230	246	5	abdullah	abdullah	PROPN
ejif-2230	246	6	,	,	PUNCT
ejif-2230	246	7	nurdianawati	nurdianawati	PROPN
ejif-2230	246	8	irwani	irwani	PROPN
ejif-2230	246	9	.	.	PUNCT
ejif-2230	247	1	(	(	PUNCT
ejif-2230	247	2	2009	2009	NUM
ejif-2230	247	3	)	)	PUNCT
ejif-2230	247	4	.	.	PUNCT
ejif-2230	248	1	application	application	NOUN
ejif-2230	248	2	of	of	ADP
ejif-2230	248	3	promise	promise	NOUN
ejif-2230	248	4	(	(	PUNCT
ejif-2230	248	5	wa’ad	wa’ad	PROPN
ejif-2230	248	6	)	)	PUNCT
ejif-2230	248	7	in	in	ADP
ejif-2230	248	8	islamic	islamic	ADJ
ejif-2230	248	9	banking	banking	NOUN
ejif-2230	248	10	and	and	CCONJ
ejif-2230	248	11	securities	security	NOUN
ejif-2230	248	12	:	:	PUNCT
ejif-2230	248	13	a	a	DET
ejif-2230	248	14	risk	risk	NOUN
ejif-2230	248	15	management	management	NOUN
ejif-2230	248	16	or	or	CCONJ
ejif-2230	248	17	unjust	unjust	ADJ
ejif-2230	248	18	management	management	NOUN
ejif-2230	248	19	,	,	PUNCT
ejif-2230	248	20	paper	paper	NOUN
ejif-2230	248	21	presented	present	VERB
ejif-2230	248	22	at	at	ADP
ejif-2230	248	23	international	international	ADJ
ejif-2230	248	24	conference	conference	NOUN
ejif-2230	248	25	of	of	ADP
ejif-2230	248	26	islamic	islamic	PROPN
ejif-2230	248	27	perspective	perspective	NOUN
ejif-2230	248	28	of	of	ADP
ejif-2230	248	29	management	management	NOUN
ejif-2230	248	30	and	and	CCONJ
ejif-2230	248	31	finance	finance	NOUN
ejif-2230	248	32	,	,	PUNCT
ejif-2230	248	33	1	1	NUM
ejif-2230	248	34	-	-	SYM
ejif-2230	248	35	2	2	NUM
ejif-2230	248	36	july	july	NOUN
ejif-2230	248	37	2009	2009	NUM
ejif-2230	248	38	,	,	PUNCT
ejif-2230	248	39	leicester	leicester	NOUN
ejif-2230	248	40	university	university	PROPN
ejif-2230	248	41	,	,	PUNCT
ejif-2230	248	42	uk	uk	PROPN
ejif-2230	248	43	.	.	PUNCT
ejif-2230	249	1	[	[	X
ejif-2230	249	2	2	2	NUM
ejif-2230	249	3	]	]	X
ejif-2230	249	4	asian	asian	PROPN
ejif-2230	249	5	institute	institute	PROPN
ejif-2230	249	6	of	of	ADP
ejif-2230	249	7	finance	finance	PROPN
ejif-2230	249	8	(	(	PUNCT
ejif-2230	249	9	2013	2013	NUM
ejif-2230	249	10	)	)	PUNCT
ejif-2230	249	11	.	.	PUNCT
ejif-2230	250	1	musharakah	musharakah	PROPN
ejif-2230	250	2	mutanaqisah	mutanaqisah	PROPN
ejif-2230	250	3	home	home	NOUN
ejif-2230	250	4	financing	financing	NOUN
ejif-2230	250	5	.	.	PUNCT
ejif-2230	251	1	retrieved	retrieve	VERB
ejif-2230	251	2	from	from	ADP
ejif-2230	251	3	http://www.aif.org.my/clients/aif_d01/assets/multimediams/publication/	http://www.aif.org.my/clients/aif_d01/assets/multimediams/publication/	NOUN
ejif-2230	251	4	casestudy_musharakah.pdf	casestudy_musharakah.pdf	NOUN
ejif-2230	251	5	[	[	X
ejif-2230	251	6	3	3	X
ejif-2230	251	7	]	]	X
ejif-2230	251	8	bank	bank	NOUN
ejif-2230	251	9	negara	negara	PROPN
ejif-2230	251	10	malaysia	malaysia	PROPN
ejif-2230	251	11	(	(	PUNCT
ejif-2230	251	12	2010	2010	NUM
ejif-2230	251	13	)	)	PUNCT
ejif-2230	251	14	.	.	PUNCT
ejif-2230	252	1	shariah	shariah	PROPN
ejif-2230	252	2	resolutions	resolution	NOUN
ejif-2230	252	3	in	in	ADP
ejif-2230	252	4	islamic	islamic	PROPN
ejif-2230	252	5	finance	finance	PROPN
ejif-2230	252	6	2nd	2nd	PROPN
ejif-2230	252	7	edition	edition	PROPN
ejif-2230	252	8	.	.	PUNCT
ejif-2230	253	1	kuala	kuala	PROPN
ejif-2230	253	2	lumpur	lumpur	PROPN
ejif-2230	253	3	,	,	PUNCT
ejif-2230	253	4	malaysia	malaysia	PROPN
ejif-2230	254	1	[	[	X
ejif-2230	254	2	4	4	NUM
ejif-2230	254	3	]	]	X
ejif-2230	254	4	bnm	bnm	X
ejif-2230	254	5	(	(	PUNCT
ejif-2230	254	6	2011	2011	NUM
ejif-2230	254	7	)	)	PUNCT
ejif-2230	254	8	.	.	PUNCT
ejif-2230	255	1	regulatory	regulatory	ADJ
ejif-2230	255	2	and	and	CCONJ
ejif-2230	255	3	supervisory	supervisory	ADJ
ejif-2230	255	4	framework	framework	NOUN
ejif-2230	255	5	.	.	PUNCT
ejif-2230	256	1	retrieved	retrieve	VERB
ejif-2230	256	2	from	from	ADP
ejif-2230	256	3	http://www.bnm.gov.my/files/publication/fsps/en/2011/fs2011_book.pdf	http://www.bnm.gov.my/files/publication/fsps/en/2011/fs2011_book.pdf	NOUN
ejif-2230	256	4	[	[	X
ejif-2230	256	5	5	5	NUM
ejif-2230	256	6	]	]	X
ejif-2230	256	7	bnm	bnm	PROPN
ejif-2230	256	8	(	(	PUNCT
ejif-2230	256	9	2015	2015	NUM
ejif-2230	256	10	)	)	PUNCT
ejif-2230	256	11	.	.	PUNCT
ejif-2230	257	1	musyarakah	musyarakah	PROPN
ejif-2230	257	2	sharia	sharia	PROPN
ejif-2230	257	3	standard	standard	PROPN
ejif-2230	257	4	retrieved	retrieve	VERB
ejif-2230	257	5	from	from	ADP
ejif-2230	257	6	http	http	ADJ
ejif-2230	257	7	:	:	PUNCT
ejif-2230	257	8	//www	//www	PROPN
ejif-2230	257	9	.	.	PUNCT
ejif-2230	258	1	bnm.gov.my/	bnm.gov.my/	PROPN
ejif-2230	258	2	guidelines/	guidelines/	NUM
ejif-2230	258	3	05_shariah/	05_shariah/	NUM
ejif-2230	258	4	musyarakah.pdf	musyarakah.pdf	NOUN
ejif-2230	259	1	[	[	X
ejif-2230	259	2	6	6	NUM
ejif-2230	259	3	]	]	X
ejif-2230	259	4	bnm	bnm	PROPN
ejif-2230	259	5	(	(	PUNCT
ejif-2230	259	6	2016	2016	NUM
ejif-2230	259	7	)	)	PUNCT
ejif-2230	259	8	.	.	PUNCT
ejif-2230	260	1	ijarah	ijarah	PROPN
ejif-2230	260	2	sharia	sharia	PROPN
ejif-2230	260	3	standard	standard	PROPN
ejif-2230	260	4	.	.	PUNCT
ejif-2230	261	1	retrieved	retrieve	VERB
ejif-2230	261	2	from	from	ADP
ejif-2230	261	3	http://	http://	PROPN
ejif-2230	261	4	www	www	PROPN
ejif-2230	261	5	.	.	PROPN
ejif-2230	261	6	bnm	bnm	PROPN
ejif-2230	261	7	.	.	PUNCT
ejif-2230	262	1	gov	gov	PROPN
ejif-2230	262	2	.	.	PUNCT
ejif-2230	263	1	my/	my/	PROPN
ejif-2230	264	1	guidelines/	guidelines/	NUM
ejif-2230	264	2	05	05	NUM
ejif-2230	264	3	_	_	NOUN
ejif-2230	264	4	shariah/	shariah/	NUM
ejif-2230	264	5	pd_ijarah.pdf	pd_ijarah.pdf	PROPN
ejif-2230	264	6	[	[	X
ejif-2230	264	7	7	7	X
ejif-2230	264	8	]	]	X
ejif-2230	264	9	bnm	bnm	PROPN
ejif-2230	264	10	(	(	PUNCT
ejif-2230	264	11	2013	2013	NUM
ejif-2230	264	12	)	)	PUNCT
ejif-2230	264	13	.	.	PUNCT
ejif-2230	265	1	guidelines	guideline	NOUN
ejif-2230	265	2	on	on	ADP
ejif-2230	265	3	ibra	ibra	NOUN
ejif-2230	265	4	’	'	PUNCT
ejif-2230	265	5	(	(	PUNCT
ejif-2230	265	6	rebate	rebate	NOUN
ejif-2230	265	7	)	)	PUNCT
ejif-2230	265	8	for	for	ADP
ejif-2230	265	9	sale	sale	NOUN
ejif-2230	265	10	-	-	PUNCT
ejif-2230	265	11	based	base	VERB
ejif-2230	265	12	financing	financing	NOUN
ejif-2230	265	13	.	.	PUNCT
ejif-2230	265	14	retrieved	retrieve	VERB
ejif-2230	265	15	http://www.bnm.gov.my/guidelines/01_banking/04_prudential_stds/upd	http://www.bnm.gov.my/guidelines/01_banking/04_prudential_stds/upd	NOUN
ejif-2230	265	16	ated_gl_on_ibra_final_sept2013.pdf	ated_gl_on_ibra_final_sept2013.pdf	PUNCT
ejif-2230	266	1	[	[	X
ejif-2230	266	2	8	8	NUM
ejif-2230	266	3	]	]	X
ejif-2230	266	4	hanafi	hanafi	NOUN
ejif-2230	266	5	,	,	PUNCT
ejif-2230	266	6	h.h	h.h	PROPN
ejif-2230	266	7	.	.	PROPN
ejif-2230	266	8	(	(	PUNCT
ejif-2230	266	9	2012	2012	NUM
ejif-2230	266	10	)	)	PUNCT
ejif-2230	266	11	.	.	PUNCT
ejif-2230	267	1	critical	critical	ADJ
ejif-2230	267	2	perspectives	perspective	NOUN
ejif-2230	267	3	on	on	ADP
ejif-2230	267	4	musharakah	musharakah	PROPN
ejif-2230	267	5	mutanaqisah	mutanaqisah	PROPN
ejif-2230	267	6	home	home	NOUN
ejif-2230	267	7	financing	financing	NOUN
ejif-2230	267	8	in	in	ADP
ejif-2230	267	9	malaysia	malaysia	PROPN
ejif-2230	267	10	:	:	PUNCT
ejif-2230	267	11	exploring	explore	VERB
ejif-2230	267	12	legal	legal	ADJ
ejif-2230	267	13	regulative	regulative	ADJ
ejif-2230	267	14	and	and	CCONJ
ejif-2230	267	15	financial	financial	ADJ
ejif-2230	267	16	challenges	challenge	NOUN
ejif-2230	267	17	(	(	PUNCT
ejif-2230	267	18	doctoral	doctoral	ADJ
ejif-2230	267	19	thesis	thesis	NOUN
ejif-2230	267	20	)	)	PUNCT
ejif-2230	267	21	,	,	PUNCT
ejif-2230	267	22	university	university	NOUN
ejif-2230	267	23	of	of	ADP
ejif-2230	267	24	durham	durham	PROPN
ejif-2230	267	25	,	,	PUNCT
ejif-2230	267	26	united	united	ADJ
ejif-2230	267	27	kingdom	kingdom	NOUN
ejif-2230	267	28	.	.	PUNCT
ejif-2230	268	1	[	[	X
ejif-2230	268	2	9	9	NUM
ejif-2230	268	3	]	]	X
ejif-2230	268	4	hashim	hashim	PROPN
ejif-2230	268	5	&	&	CCONJ
ejif-2230	268	6	hassan	hassan	PROPN
ejif-2230	268	7	(	(	PUNCT
ejif-2230	268	8	2015	2015	NUM
ejif-2230	268	9	)	)	PUNCT
ejif-2230	268	10	.	.	PUNCT
ejif-2230	268	11	musharakah	musharakah	PROPN
ejif-2230	268	12	mutanaqisah	mutanaqisah	PROPN
ejif-2230	268	13	(	(	PUNCT
ejif-2230	268	14	mm	mm	NOUN
ejif-2230	268	15	)	)	PUNCT
ejif-2230	268	16	from	from	ADP
ejif-2230	268	17	shari’ah	shari’ah	PROPN
ejif-2230	268	18	perspectives	perspective	NOUN
ejif-2230	268	19	[	[	X
ejif-2230	268	20	10	10	NUM
ejif-2230	268	21	]	]	X
ejif-2230	268	22	hsbc	hsbc	PROPN
ejif-2230	268	23	amanah	amanah	PROPN
ejif-2230	268	24	(	(	PUNCT
ejif-2230	268	25	2016	2016	NUM
ejif-2230	268	26	)	)	PUNCT
ejif-2230	268	27	.	.	PUNCT
ejif-2230	269	1	product	product	NOUN
ejif-2230	269	2	disclosure	disclosure	NOUN
ejif-2230	269	3	sheet	sheet	NOUN
ejif-2230	269	4	home	home	NOUN
ejif-2230	269	5	smart	smart	ADJ
ejif-2230	269	6	-	-	PUNCT
ejif-2230	269	7	i.	i.	NOUN
ejif-2230	269	8	retrieved	retrieve	VERB
ejif-2230	269	9	from	from	ADP
ejif-2230	269	10	http://www.hsbcamanah.com.my/1/2/amanah/personal/financing/homes	http://www.hsbcamanah.com.my/1/2/amanah/personal/financing/homes	PROPN
ejif-2230	269	11	mart	mart	PROPN
ejif-2230	269	12	-	-	PUNCT
ejif-2230	269	13	i.	i.	NOUN
ejif-2230	270	1	[	[	X
ejif-2230	270	2	11	11	NUM
ejif-2230	270	3	]	]	SYM
ejif-2230	270	4	inceif	inceif	NOUN
ejif-2230	270	5	(	(	PUNCT
ejif-2230	270	6	2015	2015	NUM
ejif-2230	270	7	)	)	PUNCT
ejif-2230	270	8	.	.	PUNCT
ejif-2230	271	1	is	be	AUX
ejif-2230	271	2	interest	interest	NOUN
ejif-2230	271	3	-	-	PUNCT
ejif-2230	271	4	rate	rate	NOUN
ejif-2230	271	5	benchmarking	benchmarke	VERB
ejif-2230	271	6	good	good	ADJ
ejif-2230	271	7	enough	enough	ADV
ejif-2230	271	8	?	?	PUNCT
ejif-2230	271	9	.	.	PUNCT
ejif-2230	272	1	retrieved	retrieve	VERB
ejif-2230	272	2	from	from	ADP
ejif-2230	272	3	http://www.inceif.org/blog/interest-rate-benchmarking-goodenough/	http://www.inceif.org/blog/interest-rate-benchmarking-goodenough/	NOUN
ejif-2230	272	4	[	[	X
ejif-2230	272	5	12	12	NUM
ejif-2230	272	6	]	]	X
ejif-2230	272	7	isra	isra	ADJ
ejif-2230	272	8	(	(	PUNCT
ejif-2230	272	9	2010	2010	NUM
ejif-2230	272	10	)	)	PUNCT
ejif-2230	272	11	.	.	PUNCT
ejif-2230	273	1	managing	manage	VERB
ejif-2230	273	2	default	default	NOUN
ejif-2230	273	3	in	in	ADP
ejif-2230	273	4	musharakah	musharakah	PROPN
ejif-2230	273	5	mutanaqisah	mutanaqisah	PROPN
ejif-2230	273	6	.	.	PUNCT
ejif-2230	274	1	isra	isra	PROPN
ejif-2230	274	2	bulletin	bulletin	PROPN
ejif-2230	274	3	,	,	PUNCT
ejif-2230	274	4	(	(	PUNCT
ejif-2230	274	5	5	5	NUM
ejif-2230	274	6	)	)	PUNCT
ejif-2230	274	7	,	,	PUNCT
ejif-2230	274	8	5	5	NUM
ejif-2230	274	9	-	-	SYM
ejif-2230	274	10	7	7	NUM
ejif-2230	274	11	[	[	SYM
ejif-2230	274	12	13	13	NUM
ejif-2230	274	13	]	]	PUNCT
ejif-2230	274	14	maybank	maybank	PROPN
ejif-2230	274	15	islamic	islamic	NOUN
ejif-2230	274	16	(	(	PUNCT
ejif-2230	274	17	2016	2016	NUM
ejif-2230	274	18	)	)	PUNCT
ejif-2230	274	19	.	.	PUNCT
ejif-2230	275	1	product	product	NOUN
ejif-2230	275	2	disclosure	disclosure	NOUN
ejif-2230	275	3	sheet	sheet	NOUN
ejif-2230	275	4	.	.	PUNCT
ejif-2230	276	1	retrieved	retrieve	VERB
ejif-2230	276	2	fromhttp://www	fromhttp://www	PROPN
ejif-2230	276	3	.	.	PUNCT
ejif-2230	277	1	maybank2u	maybank2u	PROPN
ejif-2230	277	2	.	.	PUNCT
ejif-2230	278	1	com.my/mbb	com.my/mbb	PROPN
ejif-2230	279	1	_	_	DET
ejif-2230	279	2	info	info	NOUN
ejif-2230	279	3	/	/	SYM
ejif-2230	279	4	m2u	m2u	NOUN
ejif-2230	279	5	/public/	/public/	SYM
ejif-2230	279	6	personaldetail04	personaldetail04	NOUN
ejif-2230	279	7	[	[	X
ejif-2230	279	8	14	14	NUM
ejif-2230	279	9	]	]	X
ejif-2230	279	10	meera	meera	PROPN
ejif-2230	279	11	,	,	PUNCT
ejif-2230	279	12	a.k.m	a.k.m	PROPN
ejif-2230	279	13	.	.	PROPN
ejif-2230	279	14	&	&	CCONJ
ejif-2230	279	15	razak	razak	PROPN
ejif-2230	279	16	,	,	PUNCT
ejif-2230	279	17	d.j	d.j	PROPN
ejif-2230	279	18	.	.	PROPN
ejif-2230	279	19	(	(	PUNCT
ejif-2230	279	20	2009	2009	NUM
ejif-2230	279	21	)	)	PUNCT
ejif-2230	279	22	.	.	PUNCT
ejif-2230	280	1	home	home	NOUN
ejif-2230	280	2	financing	financing	NOUN
ejif-2230	280	3	through	through	ADP
ejif-2230	280	4	the	the	DET
ejif-2230	280	5	musharakah	musharakah	PROPN
ejif-2230	280	6	mutanaqisah	mutanaqisah	NOUN
ejif-2230	280	7	contracts	contract	NOUN
ejif-2230	280	8	:	:	PUNCT
ejif-2230	280	9	some	some	DET
ejif-2230	280	10	practical	practical	ADJ
ejif-2230	280	11	issues	issue	NOUN
ejif-2230	280	12	.	.	PUNCT
ejif-2230	281	1	islamic	islamic	ADJ
ejif-2230	281	2	economics	economics	PROPN
ejif-2230	281	3	journal	journal	PROPN
ejif-2230	281	4	,	,	PUNCT
ejif-2230	281	5	22(1	22(1	NUM
ejif-2230	281	6	)	)	PUNCT
ejif-2230	281	7	,	,	PUNCT
ejif-2230	281	8	121	121	NUM
ejif-2230	281	9	-	-	SYM
ejif-2230	281	10	143	143	NUM
ejif-2230	281	11	[	[	X
ejif-2230	281	12	15	15	NUM
ejif-2230	281	13	]	]	X
ejif-2230	281	14	naim	naim	NOUN
ejif-2230	281	15	,	,	PUNCT
ejif-2230	281	16	asmadi	asmadi	PROPN
ejif-2230	281	17	mohamed	mohamed	PROPN
ejif-2230	281	18	.	.	PUNCT
ejif-2230	282	1	(	(	PUNCT
ejif-2230	282	2	2011	2011	NUM
ejif-2230	282	3	)	)	PUNCT
ejif-2230	282	4	.	.	PUNCT
ejif-2230	283	1	“	"	PUNCT
ejif-2230	283	2	purchase	purchase	VERB
ejif-2230	283	3	undertaking	undertaking	NOUN
ejif-2230	283	4	issues	issue	NOUN
ejif-2230	283	5	in	in	ADP
ejif-2230	283	6	musharakah	musharakah	PROPN
ejif-2230	283	7	mutanaqisah	mutanaqisah	PROPN
ejif-2230	283	8	home	home	NOUN
ejif-2230	283	9	financing	financing	NOUN
ejif-2230	283	10	”	"	PUNCT
ejif-2230	283	11	.	.	PUNCT
ejif-2230	284	1	isra	isra	PROPN
ejif-2230	284	2	international	international	PROPN
ejif-2230	284	3	journal	journal	PROPN
ejif-2230	284	4	of	of	ADP
ejif-2230	284	5	islamic	islamic	PROPN
ejif-2230	284	6	finance	finance	NOUN
ejif-2230	284	7	,	,	PUNCT
ejif-2230	284	8	3(1	3(1	NUM
ejif-2230	284	9	)	)	PUNCT
ejif-2230	284	10	,	,	PUNCT
ejif-2230	284	11	25	25	NUM
ejif-2230	284	12	-	-	SYM
ejif-2230	284	13	47	47	NUM
ejif-2230	285	1	[	[	X
ejif-2230	285	2	16	16	NUM
ejif-2230	285	3	]	]	X
ejif-2230	285	4	lung	lung	PROPN
ejif-2230	285	5	,	,	PUNCT
ejif-2230	285	6	l.c	l.c	PROPN
ejif-2230	285	7	.	.	PROPN
ejif-2230	285	8	(	(	PUNCT
ejif-2230	285	9	2013	2013	NUM
ejif-2230	285	10	)	)	PUNCT
ejif-2230	285	11	.	.	PUNCT
ejif-2230	286	1	musharakah	musharakah	PROPN
ejif-2230	286	2	mutanaqisah	mutanaqisah	PROPN
ejif-2230	286	3	partnership	partnership	NOUN
ejif-2230	286	4	in	in	ADP
ejif-2230	286	5	malaysia	malaysia	PROPN
ejif-2230	286	6	’s	’s	PART
ejif-2230	286	7	islamic	islamic	PROPN
ejif-2230	286	8	bank	bank	PROPN
ejif-2230	286	9	:	:	PUNCT
ejif-2230	286	10	a	a	DET
ejif-2230	286	11	comparison	comparison	NOUN
ejif-2230	286	12	between	between	ADP
ejif-2230	286	13	theory	theory	NOUN
ejif-2230	286	14	and	and	CCONJ
ejif-2230	286	15	practice	practice	NOUN
ejif-2230	286	16	.	.	PUNCT
ejif-2230	287	1	american	american	ADJ
ejif-2230	287	2	journal	journal	PROPN
ejif-2230	287	3	of	of	ADP
ejif-2230	287	4	economics	economics	PROPN
ejif-2230	287	5	and	and	CCONJ
ejif-2230	287	6	business	business	NOUN
ejif-2230	287	7	administration	administration	NOUN
ejif-2230	287	8	,	,	PUNCT
ejif-2230	287	9	5	5	NUM
ejif-2230	287	10	(	(	PUNCT
ejif-2230	287	11	3	3	NUM
ejif-2230	287	12	)	)	PUNCT
ejif-2230	287	13	,	,	PUNCT
ejif-2230	287	14	95	95	NUM
ejif-2230	287	15	-	-	SYM
ejif-2230	287	16	106	106	NUM
ejif-2230	287	17	ejif	ejif	NOUN
ejif-2230	287	18	–	–	PUNCT
ejif-2230	287	19	european	european	ADJ
ejif-2230	287	20	journal	journal	PROPN
ejif-2230	287	21	of	of	ADP
ejif-2230	287	22	islamic	islamic	PROPN
ejif-2230	287	23	finance	finance	PROPN
ejif-2230	287	24	no8	no8	PROPN
ejif-2230	287	25	,	,	PUNCT
ejif-2230	287	26	december	december	PROPN
ejif-2230	287	27	(	(	PUNCT
ejif-2230	287	28	2017	2017	NUM
ejif-2230	287	29	)	)	PUNCT
ejif-2230	287	30	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2230	287	31	issn	issn	VERB
ejif-2230	287	32	2421	2421	NUM
ejif-2230	287	33	-	-	SYM
ejif-2230	287	34	2172	2172	NUM
ejif-2230	287	35	9	9	NUM
ejif-2230	287	36	[	[	SYM
ejif-2230	287	37	17	17	NUM
ejif-2230	287	38	]	]	PUNCT
ejif-2230	287	39	smolo	smolo	ADJ
ejif-2230	287	40	,	,	PUNCT
ejif-2230	287	41	edib	edib	NOUN
ejif-2230	287	42	.	.	PUNCT
ejif-2230	288	1	(	(	PUNCT
ejif-2230	288	2	2010	2010	NUM
ejif-2230	288	3	)	)	PUNCT
ejif-2230	288	4	.	.	PUNCT
ejif-2230	289	1	managing	manage	VERB
ejif-2230	289	2	default	default	NOUN
ejif-2230	289	3	in	in	ADP
ejif-2230	289	4	musharakah	musharakah	PROPN
ejif-2230	289	5	mutanaqisah	mutanaqisah	PROPN
ejif-2230	289	6	,	,	PUNCT
ejif-2230	289	7	isra	isra	ADJ
ejif-2230	289	8	bulletin	bulletin	NOUN
ejif-2230	289	9	,	,	PUNCT
ejif-2230	289	10	5	5	NUM
ejif-2230	289	11	,	,	PUNCT
ejif-2230	289	12	june	june	PROPN
ejif-2230	289	13	2010	2010	NUM
ejif-2230	289	14	.	.	PUNCT
ejif-2230	290	1	[	[	X
ejif-2230	290	2	18	18	NUM
ejif-2230	290	3	]	]	PUNCT
ejif-2230	290	4	smolo	smolo	ADJ
ejif-2230	290	5	,	,	PUNCT
ejif-2230	290	6	edib	edib	NOUN
ejif-2230	290	7	,	,	PUNCT
ejif-2230	290	8	and	and	CCONJ
ejif-2230	290	9	hassan	hassan	PROPN
ejif-2230	290	10	,	,	PUNCT
ejif-2230	290	11	mohd	mohd	PROPN
ejif-2230	290	12	kabir	kabir	PROPN
ejif-2230	290	13	.	.	PUNCT
ejif-2230	291	1	(	(	PUNCT
ejif-2230	291	2	2011	2011	NUM
ejif-2230	291	3	)	)	PUNCT
ejif-2230	291	4	.	.	PUNCT
ejif-2230	292	1	“	"	PUNCT
ejif-2230	292	2	the	the	DET
ejif-2230	292	3	potential	potential	NOUN
ejif-2230	292	4	of	of	ADP
ejif-2230	292	5	musharakah	musharakah	PROPN
ejif-2230	292	6	mutanaqisah	mutanaqisah	NOUN
ejif-2230	292	7	for	for	ADP
ejif-2230	292	8	islamic	islamic	ADJ
ejif-2230	292	9	housing	housing	PROPN
ejif-2230	292	10	finance”.international	finance”.international	ADJ
ejif-2230	292	11	journal	journal	NOUN
ejif-2230	292	12	of	of	ADP
ejif-2230	292	13	islamic	islamic	ADJ
ejif-2230	292	14	and	and	CCONJ
ejif-2230	292	15	middle	middle	ADJ
ejif-2230	292	16	eastern	eastern	ADJ
ejif-2230	292	17	finance	finance	PROPN
ejif-2230	292	18	&	&	CCONJ
ejif-2230	292	19	management	management	PROPN
ejif-2230	292	20	,	,	PUNCT
ejif-2230	292	21	4(3	4(3	NUM
ejif-2230	292	22	)	)	PUNCT
ejif-2230	292	23	,	,	PUNCT
ejif-2230	292	24	237	237	NUM
ejif-2230	292	25	-	-	SYM
ejif-2230	292	26	258	258	NUM
ejif-2230	292	27	.	.	PUNCT
ejif-2230	293	1	[	[	X
ejif-2230	293	2	19	19	NUM
ejif-2230	293	3	]	]	X
ejif-2230	293	4	sundararajan	sundararajan	NOUN
ejif-2230	293	5	,	,	PUNCT
ejif-2230	293	6	v.	v.	ADV
ejif-2230	293	7	,	,	PUNCT
ejif-2230	293	8	and	and	CCONJ
ejif-2230	293	9	errico	errico	PROPN
ejif-2230	293	10	,	,	PUNCT
ejif-2230	293	11	l.	l.	PROPN
ejif-2230	293	12	(	(	PUNCT
ejif-2230	293	13	november	november	PROPN
ejif-2230	293	14	2002	2002	NUM
ejif-2230	293	15	)	)	PUNCT
ejif-2230	293	16	.	.	PUNCT
ejif-2230	294	1	islamic	islamic	ADJ
ejif-2230	294	2	financial	financial	ADJ
ejif-2230	294	3	institutions	institution	NOUN
ejif-2230	294	4	and	and	CCONJ
ejif-2230	294	5	the	the	DET
ejif-2230	294	6	products	product	NOUN
ejif-2230	294	7	in	in	ADP
ejif-2230	294	8	the	the	DET
ejif-2230	294	9	global	global	ADJ
ejif-2230	294	10	financial	financial	ADJ
ejif-2230	294	11	system	system	NOUN
ejif-2230	294	12	:	:	PUNCT
ejif-2230	294	13	key	key	ADJ
ejif-2230	294	14	issues	issue	NOUN
ejif-2230	294	15	in	in	ADP
ejif-2230	294	16	risk	risk	NOUN
ejif-2230	294	17	management	management	NOUN
ejif-2230	294	18	and	and	CCONJ
ejif-2230	294	19	challenges	challenge	NOUN
ejif-2230	294	20	ahead	ahead	ADV
ejif-2230	294	21	:	:	PUNCT
ejif-2230	294	22	imf	imf	PROPN
ejif-2230	294	23	working	working	PROPN
ejif-2230	294	24	paper	paper	NOUN
ejif-2230	294	25	.	.	PUNCT
ejif-2230	295	1	[	[	X
ejif-2230	295	2	20	20	NUM
ejif-2230	295	3	]	]	SYM
ejif-2230	295	4	taib	taib	PROPN
ejif-2230	295	5	,	,	PUNCT
ejif-2230	295	6	fauziah	fauziah	PROPN
ejif-2230	295	7	md	md	PROPN
ejif-2230	295	8	,	,	PUNCT
ejif-2230	295	9	ramayah	ramayah	NOUN
ejif-2230	295	10	,	,	PUNCT
ejif-2230	295	11	t.	t.	NOUN
ejif-2230	295	12	,	,	PUNCT
ejif-2230	295	13	and	and	CCONJ
ejif-2230	295	14	razak	razak	PROPN
ejif-2230	295	15	,	,	PUNCT
ejif-2230	295	16	dzuljastri	dzuljastri	NOUN
ejif-2230	295	17	abdul.(2008).“factors	abdul.(2008).“factor	NOUN
ejif-2230	295	18	influencing	influence	VERB
ejif-2230	295	19	intention	intention	NOUN
ejif-2230	295	20	to	to	PART
ejif-2230	295	21	use	use	VERB
ejif-2230	295	22	diminishing	diminishing	NOUN
ejif-2230	295	23	partnership	partnership	NOUN
ejif-2230	295	24	home	home	PROPN
ejif-2230	295	25	financing”.international	financing”.international	ADJ
ejif-2230	295	26	journal	journal	NOUN
ejif-2230	295	27	of	of	ADP
ejif-2230	295	28	islamic	islamic	ADJ
ejif-2230	295	29	and	and	CCONJ
ejif-2230	295	30	middle	middle	ADJ
ejif-2230	295	31	eastern	eastern	ADJ
ejif-2230	295	32	finance	finance	NOUN
ejif-2230	295	33	and	and	CCONJ
ejif-2230	295	34	management	management	NOUN
ejif-2230	295	35	.	.	PUNCT
ejif-2230	296	1	1(3	1(3	NUM
ejif-2230	296	2	)	)	PUNCT
ejif-2230	296	3	,	,	PUNCT
ejif-2230	296	4	235	235	NUM
ejif-2230	296	5	-	-	SYM
ejif-2230	296	6	248	248	NUM
ejif-2230	296	7	.	.	PUNCT
ejif-2230	297	1	[	[	X
ejif-2230	297	2	21	21	NUM
ejif-2230	297	3	]	]	X
ejif-2230	297	4	usmani	usmani	ADJ
ejif-2230	297	5	,	,	PUNCT
ejif-2230	297	6	t.	t.	PROPN
ejif-2230	297	7	(	(	PUNCT
ejif-2230	297	8	2004	2004	NUM
ejif-2230	297	9	)	)	PUNCT
ejif-2230	297	10	.	.	PUNCT
ejif-2230	298	1	an	an	DET
ejif-2230	298	2	introduction	introduction	NOUN
ejif-2230	298	3	to	to	ADP
ejif-2230	298	4	islamic	islamic	ADJ
ejif-2230	298	5	finance	finance	NOUN
ejif-2230	298	6	.	.	PUNCT
ejif-2230	299	1	maktab	maktab	PROPN
ejif-2230	299	2	maa’rul	maa’rul	PROPN
ejif-2230	299	3	quran	quran	PROPN
ejif-2230	299	4	,	,	PUNCT
ejif-2230	299	5	karachi	karachi	PROPN
ejif-2230	299	6	,	,	PUNCT
ejif-2230	299	7	pakistan	pakistan	PROPN
ejif-2230	299	8	.	.	PUNCT
ejif-2230	300	1	ejif	ejif	PROPN
ejif-2230	300	2	–	–	PUNCT
ejif-2230	300	3	european	european	PROPN
ejif-2230	300	4	journal	journal	PROPN
ejif-2230	300	5	of	of	ADP
ejif-2230	300	6	islamic	islamic	PROPN
ejif-2230	300	7	finance	finance	PROPN
ejif-2230	300	8	editorial	editorial	ADJ
ejif-2230	300	9	team	team	NOUN
ejif-2230	300	10	editor	editor	NOUN
ejif-2230	300	11	in	in	ADP
ejif-2230	300	12	chief	chief	ADJ
ejif-2230	300	13	prof	prof	NOUN
ejif-2230	300	14	.	.	PUNCT
ejif-2230	300	15	paolo	paolo	PROPN
ejif-2230	300	16	pietro	pietro	PROPN
ejif-2230	300	17	biancone	biancone	NOUN
ejif-2230	300	18	,	,	PUNCT
ejif-2230	300	19	university	university	PROPN
ejif-2230	300	20	of	of	ADP
ejif-2230	300	21	turin	turin	PROPN
ejif-2230	300	22	,	,	PUNCT
ejif-2230	300	23	italy	italy	PROPN
ejif-2230	300	24	editorial	editorial	PROPN
ejif-2230	300	25	board	board	PROPN
ejif-2230	300	26	prof	prof	PROPN
ejif-2230	300	27	.	.	PUNCT
ejif-2230	301	1	dian	dian	PROPN
ejif-2230	301	2	masyita	masyita	PROPN
ejif-2230	301	3	,	,	PUNCT
ejif-2230	301	4	university	university	NOUN
ejif-2230	301	5	of	of	ADP
ejif-2230	301	6	padjadjaran	padjadjaran	PROPN
ejif-2230	301	7	,	,	PUNCT
ejif-2230	301	8	indonesia	indonesia	PROPN
ejif-2230	301	9	prof	prof	PROPN
ejif-2230	301	10	.	.	PUNCT
ejif-2230	302	1	abdulazeem	abdulazeem	PROPN
ejif-2230	302	2	abozaid	abozaid	PROPN
ejif-2230	302	3	,	,	PUNCT
ejif-2230	302	4	qatar	qatar	PROPN
ejif-2230	302	5	faculty	faculty	NOUN
ejif-2230	302	6	of	of	ADP
ejif-2230	302	7	islamic	islamic	ADJ
ejif-2230	302	8	studies	study	NOUN
ejif-2230	302	9	–	–	PUNCT
ejif-2230	302	10	qatar	qatar	PROPN
ejif-2230	302	11	prof	prof	NOUN
ejif-2230	302	12	.	.	PUNCT
ejif-2230	303	1	ahmad	ahmad	PROPN
ejif-2230	303	2	aref	aref	PROPN
ejif-2230	303	3	almazari	almazari	PROPN
ejif-2230	303	4	,	,	PUNCT
ejif-2230	303	5	king	king	PROPN
ejif-2230	303	6	saud	saud	PROPN
ejif-2230	303	7	university	university	PROPN
ejif-2230	303	8	,	,	PUNCT
ejif-2230	303	9	saudi	saudi	PROPN
ejif-2230	303	10	arabia	arabia	PROPN
ejif-2230	303	11	prof	prof	PROPN
ejif-2230	303	12	.	.	PUNCT
ejif-2230	304	1	nidal	nidal	PROPN
ejif-2230	304	2	a.	a.	PROPN
ejif-2230	304	3	alsayyed	alsayye	VERB
ejif-2230	304	4	,	,	PUNCT
ejif-2230	304	5	inayah	inayah	VERB
ejif-2230	304	6	islamic	islamic	PROPN
ejif-2230	304	7	finance	finance	PROPN
ejif-2230	304	8	research	research	PROPN
ejif-2230	304	9	institute	institute	PROPN
ejif-2230	304	10	,	,	PUNCT
ejif-2230	304	11	usa	usa	PROPN
ejif-2230	304	12	prof	prof	PROPN
ejif-2230	304	13	.	.	PUNCT
ejif-2230	305	1	roberta	roberta	PROPN
ejif-2230	305	2	aluffi	aluffi	PROPN
ejif-2230	305	3	,	,	PUNCT
ejif-2230	305	4	university	university	PROPN
ejif-2230	305	5	of	of	ADP
ejif-2230	305	6	turin	turin	PROPN
ejif-2230	305	7	italy	italy	PROPN
ejif-2230	305	8	prof	prof	PROPN
ejif-2230	305	9	.	.	PUNCT
ejif-2230	306	1	ghassen	ghassen	PROPN
ejif-2230	306	2	bouslama	bouslama	PROPN
ejif-2230	306	3	,	,	PUNCT
ejif-2230	306	4	neoma	neoma	PROPN
ejif-2230	306	5	business	business	PROPN
ejif-2230	306	6	school	school	PROPN
ejif-2230	306	7	campus	campus	NOUN
ejif-2230	306	8	de	de	X
ejif-2230	306	9	reims	reims	X
ejif-2230	306	10	,	,	PUNCT
ejif-2230	306	11	france	france	PROPN
ejif-2230	306	12	prof	prof	PROPN
ejif-2230	306	13	.	.	PUNCT
ejif-2230	307	1	nazam	nazam	PROPN
ejif-2230	307	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-2230	307	3	,	,	PUNCT
ejif-2230	307	4	salford	salford	PROPN
ejif-2230	307	5	university	university	PROPN
ejif-2230	307	6	,	,	PUNCT
ejif-2230	307	7	uk	uk	PROPN
ejif-2230	307	8	prof	prof	PROPN
ejif-2230	307	9	.	.	PUNCT
ejif-2230	308	1	kabir	kabir	PROPN
ejif-2230	308	2	hassan	hassan	PROPN
ejif-2230	308	3	,	,	PUNCT
ejif-2230	308	4	university	university	NOUN
ejif-2230	308	5	of	of	ADP
ejif-2230	308	6	new	new	PROPN
ejif-2230	308	7	orleans	orleans	PROPN
ejif-2230	308	8	,	,	PUNCT
ejif-2230	308	9	usa	usa	PROPN
ejif-2230	308	10	prof	prof	PROPN
ejif-2230	308	11	.	.	PUNCT
ejif-2230	309	1	khaled	khaled	PROPN
ejif-2230	309	2	hussainey	hussainey	PROPN
ejif-2230	309	3	,	,	PUNCT
ejif-2230	309	4	university	university	NOUN
ejif-2230	309	5	of	of	ADP
ejif-2230	309	6	plymouth	plymouth	PROPN
ejif-2230	309	7	,	,	PUNCT
ejif-2230	309	8	uk	uk	PROPN
ejif-2230	309	9	prof	prof	PROPN
ejif-2230	309	10	.	.	PUNCT
ejif-2230	310	1	rifki	rifki	PROPN
ejif-2230	310	2	ismal	ismal	NOUN
ejif-2230	310	3	,	,	PUNCT
ejif-2230	310	4	university	university	NOUN
ejif-2230	310	5	of	of	ADP
ejif-2230	310	6	indonesia	indonesia	PROPN
ejif-2230	310	7	prof	prof	PROPN
ejif-2230	310	8	.	.	PUNCT
ejif-2230	311	1	tariqullah	tariqullah	PROPN
ejif-2230	311	2	khan	khan	PROPN
ejif-2230	311	3	,	,	PUNCT
ejif-2230	311	4	hamad	hamad	PROPN
ejif-2230	311	5	bin	bin	PROPN
ejif-2230	311	6	khalifa	khalifa	PROPN
ejif-2230	311	7	university	university	PROPN
ejif-2230	311	8	,	,	PUNCT
ejif-2230	311	9	qatar	qatar	PROPN
ejif-2230	311	10	prof	prof	PROPN
ejif-2230	311	11	.	.	PROPN
ejif-2230	312	1	ali	ali	PROPN
ejif-2230	312	2	khorshid	khorshid	PROPN
ejif-2230	312	3	,	,	PUNCT
ejif-2230	312	4	icma	icma	NOUN
ejif-2230	312	5	centre	centre	NOUN
ejif-2230	312	6	reading	read	VERB
ejif-2230	312	7	university	university	PROPN
ejif-2230	312	8	uk	uk	PROPN
ejif-2230	312	9	prof	prof	PROPN
ejif-2230	312	10	.	.	PUNCT
ejif-2230	313	1	amir	amir	PROPN
ejif-2230	313	2	kia	kia	PROPN
ejif-2230	313	3	,	,	PUNCT
ejif-2230	313	4	utah	utah	PROPN
ejif-2230	313	5	valley	valley	PROPN
ejif-2230	313	6	university	university	PROPN
ejif-2230	313	7	,	,	PUNCT
ejif-2230	313	8	usa	usa	PROPN
ejif-2230	313	9	prof	prof	PROPN
ejif-2230	313	10	.	.	PUNCT
ejif-2230	314	1	laurent	laurent	PROPN
ejif-2230	314	2	marliere	marliere	ADV
ejif-2230	314	3	,	,	PUNCT
ejif-2230	314	4	université	université	PROPN
ejif-2230	314	5	paris	paris	PROPN
ejif-2230	314	6	-	-	PUNCT
ejif-2230	314	7	dauphine	dauphine	PROPN
ejif-2230	314	8	france	france	PROPN
ejif-2230	314	9	prof	prof	PROPN
ejif-2230	314	10	.	.	PUNCT
ejif-2230	315	1	federica	federica	PROPN
ejif-2230	315	2	miglietta	miglietta	PROPN
ejif-2230	315	3	,	,	PUNCT
ejif-2230	315	4	university	university	NOUN
ejif-2230	315	5	of	of	ADP
ejif-2230	315	6	bari	bari	PROPN
ejif-2230	315	7	italy	italy	PROPN
ejif-2230	315	8	prof	prof	PROPN
ejif-2230	315	9	.	.	PUNCT
ejif-2230	316	1	hakim	hakim	PROPN
ejif-2230	316	2	ben	ben	PROPN
ejif-2230	316	3	othman	othman	PROPN
ejif-2230	316	4	,	,	PUNCT
ejif-2230	316	5	university	university	PROPN
ejif-2230	316	6	of	of	ADP
ejif-2230	316	7	tunis	tunis	PROPN
ejif-2230	316	8	tunisia	tunisia	PROPN
ejif-2230	316	9	prof	prof	PROPN
ejif-2230	316	10	.	.	PUNCT
ejif-2230	317	1	mohamed	mohamed	PROPN
ejif-2230	317	2	ramady	ramady	PROPN
ejif-2230	317	3	,	,	PUNCT
ejif-2230	317	4	king	king	PROPN
ejif-2230	317	5	fahd	fahd	PROPN
ejif-2230	317	6	university	university	PROPN
ejif-2230	317	7	of	of	ADP
ejif-2230	317	8	petroleum	petroleum	NOUN
ejif-2230	317	9	and	and	CCONJ
ejif-2230	317	10	minerals	mineral	NOUN
ejif-2230	317	11	,	,	PUNCT
ejif-2230	318	1	saudi	saudi	PROPN
ejif-2230	318	2	arabia	arabia	PROPN
ejif-2230	318	3	prof	prof	PROPN
ejif-2230	318	4	.	.	PROPN
ejif-2230	318	5	mamunur	mamunur	PROPN
ejif-2230	318	6	rashid	rashid	PROPN
ejif-2230	318	7	,	,	PUNCT
ejif-2230	318	8	nottingham	nottingham	PROPN
ejif-2230	318	9	university	university	PROPN
ejif-2230	318	10	,	,	PUNCT
ejif-2230	318	11	malaysia	malaysia	PROPN
ejif-2230	318	12	prof	prof	PROPN
ejif-2230	318	13	.	.	PUNCT
ejif-2230	319	1	younes	younes	PROPN
ejif-2230	319	2	soualhi	soualhi	PROPN
ejif-2230	319	3	,	,	PUNCT
ejif-2230	319	4	international	international	PROPN
ejif-2230	319	5	islamic	islamic	PROPN
ejif-2230	319	6	university	university	PROPN
ejif-2230	319	7	malaysia	malaysia	PROPN
ejif-2230	319	8	prof	prof	PROPN
ejif-2230	319	9	.	.	PUNCT
ejif-2230	320	1	laurent	laurent	PROPN
ejif-2230	320	2	weill	weill	PROPN
ejif-2230	320	3	,	,	PUNCT
ejif-2230	320	4	university	university	NOUN
ejif-2230	320	5	of	of	ADP
ejif-2230	320	6	strasbourg	strasbourg	PROPN
ejif-2230	320	7	,	,	PUNCT
ejif-2230	320	8	france	france	PROPN