id	sid	tid	token	lemma	pos
ejif-2758	1	1	paper	paper	NOUN
ejif-2758	1	2	title	title	NOUN
ejif-2758	1	3	(	(	PUNCT
ejif-2758	1	4	use	use	NOUN
ejif-2758	1	5	style	style	NOUN
ejif-2758	1	6	:	:	PUNCT
ejif-2758	1	7	paper	paper	NOUN
ejif-2758	1	8	title	title	NOUN
ejif-2758	1	9	)	)	PUNCT
ejif-2758	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	1	11	issn	issn	VERB
ejif-2758	1	12	2421	2421	NUM
ejif-2758	1	13	-	-	SYM
ejif-2758	1	14	2172	2172	NUM
ejif-2758	1	15	1	1	NUM
ejif-2758	1	16	the	the	DET
ejif-2758	1	17	challenges	challenge	NOUN
ejif-2758	1	18	of	of	ADP
ejif-2758	1	19	bad	bad	ADJ
ejif-2758	1	20	debt	debt	NOUN
ejif-2758	1	21	monitoring	monitoring	NOUN
ejif-2758	1	22	practices	practice	NOUN
ejif-2758	1	23	in	in	ADP
ejif-2758	1	24	islamic	islamic	PROPN
ejif-2758	1	25	micro	micro	PROPN
ejif-2758	1	26	banking	banking	PROPN
ejif-2758	1	27	amercu	amercu	PROPN
ejif-2758	1	28	buana	buana	PROPN
ejif-2758	1	29	university	university	PROPN
ejif-2758	1	30	,	,	PUNCT
ejif-2758	1	31	jakarta	jakarta	PROPN
ejif-2758	1	32	,	,	PUNCT
ejif-2758	1	33	indonesia	indonesia	PROPN
ejif-2758	1	34	bstudent	bstudent	NOUN
ejif-2758	1	35	of	of	ADP
ejif-2758	1	36	european	european	ADJ
ejif-2758	1	37	microfinane	microfinane	ADJ
ejif-2758	1	38	program	program	NOUN
ejif-2758	1	39	,	,	PUNCT
ejif-2758	1	40	universite	universite	PROPN
ejif-2758	1	41	libre	libre	PROPN
ejif-2758	1	42	de	de	X
ejif-2758	1	43	bruxelles	bruxelles	PROPN
ejif-2758	1	44	,	,	PUNCT
ejif-2758	1	45	belgium	belgium	NOUN
ejif-2758	1	46	abstract	abstract	NOUN
ejif-2758	1	47	—	—	PUNCT
ejif-2758	1	48	the	the	DET
ejif-2758	1	49	study	study	NOUN
ejif-2758	1	50	aims	aim	VERB
ejif-2758	1	51	to	to	PART
ejif-2758	1	52	assess	assess	VERB
ejif-2758	1	53	and	and	CCONJ
ejif-2758	1	54	compare	compare	VERB
ejif-2758	1	55	the	the	DET
ejif-2758	1	56	monitoring	monitoring	NOUN
ejif-2758	1	57	procedures	procedure	NOUN
ejif-2758	1	58	in	in	ADP
ejif-2758	1	59	two	two	NUM
ejif-2758	1	60	bank	bank	NOUN
ejif-2758	1	61	syariah	syariah	NOUN
ejif-2758	1	62	mandiri	mandiri	NOUN
ejif-2758	1	63	(	(	PUNCT
ejif-2758	1	64	bsm	bsm	PROPN
ejif-2758	1	65	)	)	PUNCT
ejif-2758	1	66	branches	branch	NOUN
ejif-2758	1	67	located	locate	VERB
ejif-2758	1	68	in	in	ADP
ejif-2758	1	69	cengkareng	cengkareng	PROPN
ejif-2758	1	70	and	and	CCONJ
ejif-2758	1	71	duri	duri	PROPN
ejif-2758	1	72	kosambi	kosambi	PROPN
ejif-2758	1	73	of	of	ADP
ejif-2758	1	74	west	west	PROPN
ejif-2758	1	75	jakarta	jakarta	PROPN
ejif-2758	1	76	city	city	PROPN
ejif-2758	1	77	.	.	PUNCT
ejif-2758	2	1	the	the	DET
ejif-2758	2	2	research	research	NOUN
ejif-2758	2	3	implemented	implement	VERB
ejif-2758	2	4	qualitative	qualitative	ADJ
ejif-2758	2	5	data	datum	NOUN
ejif-2758	2	6	analysis	analysis	NOUN
ejif-2758	2	7	tools	tool	NOUN
ejif-2758	2	8	that	that	PRON
ejif-2758	2	9	consisted	consist	VERB
ejif-2758	2	10	in	in	ADP
ejif-2758	2	11	to	to	PART
ejif-2758	2	12	develop	develop	VERB
ejif-2758	2	13	focus	focus	NOUN
ejif-2758	2	14	group	group	NOUN
ejif-2758	2	15	discussion	discussion	NOUN
ejif-2758	2	16	(	(	PUNCT
ejif-2758	2	17	fdg	fdg	PROPN
ejif-2758	2	18	)	)	PUNCT
ejif-2758	2	19	to	to	PART
ejif-2758	2	20	obtain	obtain	VERB
ejif-2758	2	21	reliable	reliable	ADJ
ejif-2758	2	22	and	and	CCONJ
ejif-2758	2	23	depth	depth	NOUN
ejif-2758	2	24	data	datum	NOUN
ejif-2758	2	25	related	relate	VERB
ejif-2758	2	26	to	to	ADP
ejif-2758	2	27	monitoring	monitor	VERB
ejif-2758	2	28	practices	practice	NOUN
ejif-2758	2	29	among	among	ADP
ejif-2758	2	30	loan	loan	NOUN
ejif-2758	2	31	officers	officer	NOUN
ejif-2758	2	32	.	.	PUNCT
ejif-2758	3	1	meanwhile	meanwhile	ADV
ejif-2758	3	2	,	,	PUNCT
ejif-2758	3	3	interviews	interview	NOUN
ejif-2758	3	4	were	be	AUX
ejif-2758	3	5	designed	design	VERB
ejif-2758	3	6	to	to	ADP
ejif-2758	3	7	the	the	DET
ejif-2758	3	8	branch	branch	NOUN
ejif-2758	3	9	managers	manager	NOUN
ejif-2758	3	10	of	of	ADP
ejif-2758	3	11	each	each	DET
ejif-2758	3	12	institution	institution	NOUN
ejif-2758	3	13	to	to	PART
ejif-2758	3	14	determine	determine	VERB
ejif-2758	3	15	their	their	PRON
ejif-2758	3	16	role	role	NOUN
ejif-2758	3	17	in	in	ADP
ejif-2758	3	18	the	the	DET
ejif-2758	3	19	npf	npf	PROPN
ejif-2758	3	20	management	management	NOUN
ejif-2758	3	21	.	.	PUNCT
ejif-2758	4	1	the	the	DET
ejif-2758	4	2	study	study	NOUN
ejif-2758	4	3	results	result	NOUN
ejif-2758	4	4	divide	divide	VERB
ejif-2758	4	5	into	into	ADP
ejif-2758	4	6	two	two	NUM
ejif-2758	4	7	parts	part	NOUN
ejif-2758	4	8	:	:	PUNCT
ejif-2758	4	9	on	on	ADP
ejif-2758	4	10	the	the	DET
ejif-2758	4	11	one	one	NUM
ejif-2758	4	12	hand	hand	NOUN
ejif-2758	4	13	,	,	PUNCT
ejif-2758	4	14	it	it	PRON
ejif-2758	4	15	highlights	highlight	VERB
ejif-2758	4	16	the	the	DET
ejif-2758	4	17	standard	standard	ADJ
ejif-2758	4	18	monitoring	monitoring	NOUN
ejif-2758	4	19	procedures	procedure	NOUN
ejif-2758	4	20	for	for	ADP
ejif-2758	4	21	the	the	DET
ejif-2758	4	22	non	non	ADJ
ejif-2758	4	23	-	-	ADJ
ejif-2758	4	24	performing	performing	ADJ
ejif-2758	4	25	financing	financing	NOUN
ejif-2758	4	26	(	(	PUNCT
ejif-2758	4	27	npf	npf	NOUN
ejif-2758	4	28	)	)	PUNCT
ejif-2758	4	29	in	in	ADP
ejif-2758	4	30	islamic	islamic	PROPN
ejif-2758	4	31	micro	micro	PROPN
ejif-2758	4	32	banking	banking	PROPN
ejif-2758	4	33	and	and	CCONJ
ejif-2758	4	34	the	the	DET
ejif-2758	4	35	main	main	ADJ
ejif-2758	4	36	differences	difference	NOUN
ejif-2758	4	37	between	between	ADP
ejif-2758	4	38	conventional	conventional	ADJ
ejif-2758	4	39	and	and	CCONJ
ejif-2758	4	40	islamic	islamic	ADJ
ejif-2758	4	41	in	in	ADP
ejif-2758	4	42	npf	npf	PROPN
ejif-2758	4	43	management	management	NOUN
ejif-2758	4	44	.	.	PUNCT
ejif-2758	5	1	on	on	ADP
ejif-2758	5	2	the	the	DET
ejif-2758	5	3	other	other	ADJ
ejif-2758	5	4	hand	hand	NOUN
ejif-2758	5	5	,	,	PUNCT
ejif-2758	5	6	the	the	DET
ejif-2758	5	7	second	second	ADJ
ejif-2758	5	8	result	result	NOUN
ejif-2758	5	9	exposes	expose	VERB
ejif-2758	5	10	three	three	NUM
ejif-2758	5	11	main	main	ADJ
ejif-2758	5	12	key	key	ADJ
ejif-2758	5	13	findings	finding	NOUN
ejif-2758	5	14	:	:	PUNCT
ejif-2758	5	15	first	first	ADJ
ejif-2758	5	16	one	one	NUM
ejif-2758	5	17	,	,	PUNCT
ejif-2758	5	18	it	it	PRON
ejif-2758	5	19	confirms	confirm	VERB
ejif-2758	5	20	the	the	DET
ejif-2758	5	21	importance	importance	NOUN
ejif-2758	5	22	of	of	ADP
ejif-2758	5	23	count	count	NOUN
ejif-2758	5	24	on	on	ADP
ejif-2758	5	25	proper	proper	ADJ
ejif-2758	5	26	risk	risk	NOUN
ejif-2758	5	27	management	management	NOUN
ejif-2758	5	28	for	for	ADP
ejif-2758	5	29	islamic	islamic	PROPN
ejif-2758	5	30	micro	micro	PROPN
ejif-2758	5	31	banking	banking	PROPN
ejif-2758	5	32	and	and	CCONJ
ejif-2758	5	33	harnessing	harnessing	NOUN
ejif-2758	5	34	of	of	ADP
ejif-2758	5	35	the	the	DET
ejif-2758	5	36	sharia	sharia	PROPN
ejif-2758	5	37	principles	principle	NOUN
ejif-2758	5	38	to	to	PART
ejif-2758	5	39	maintain	maintain	VERB
ejif-2758	5	40	the	the	DET
ejif-2758	5	41	quality	quality	NOUN
ejif-2758	5	42	of	of	ADP
ejif-2758	5	43	the	the	DET
ejif-2758	5	44	portfolio	portfolio	NOUN
ejif-2758	5	45	.	.	PUNCT
ejif-2758	6	1	second	second	ADV
ejif-2758	6	2	,	,	PUNCT
ejif-2758	6	3	the	the	DET
ejif-2758	6	4	study	study	NOUN
ejif-2758	6	5	reveals	reveal	VERB
ejif-2758	6	6	a	a	DET
ejif-2758	6	7	correlation	correlation	NOUN
ejif-2758	6	8	that	that	PRON
ejif-2758	6	9	exists	exist	VERB
ejif-2758	6	10	among	among	ADP
ejif-2758	6	11	screening	screening	NOUN
ejif-2758	6	12	,	,	PUNCT
ejif-2758	6	13	monitoring	monitoring	NOUN
ejif-2758	6	14	,	,	PUNCT
ejif-2758	6	15	and	and	CCONJ
ejif-2758	6	16	enforcement	enforcement	NOUN
ejif-2758	6	17	,	,	PUNCT
ejif-2758	6	18	thus	thus	ADV
ejif-2758	6	19	how	how	SCONJ
ejif-2758	6	20	a	a	DET
ejif-2758	6	21	proper	proper	ADJ
ejif-2758	6	22	testing	testing	NOUN
ejif-2758	6	23	and	and	CCONJ
ejif-2758	6	24	supervision	supervision	NOUN
ejif-2758	6	25	practices	practice	NOUN
ejif-2758	6	26	may	may	AUX
ejif-2758	6	27	affect	affect	VERB
ejif-2758	6	28	in	in	ADP
ejif-2758	6	29	the	the	DET
ejif-2758	6	30	following	follow	VERB
ejif-2758	6	31	steps	step	NOUN
ejif-2758	6	32	of	of	ADP
ejif-2758	6	33	the	the	DET
ejif-2758	6	34	loan	loan	NOUN
ejif-2758	6	35	cycle	cycle	NOUN
ejif-2758	6	36	.	.	PUNCT
ejif-2758	7	1	finally	finally	ADV
ejif-2758	7	2	the	the	DET
ejif-2758	7	3	third	third	ADJ
ejif-2758	7	4	one	one	NOUN
ejif-2758	7	5	,	,	PUNCT
ejif-2758	7	6	it	it	PRON
ejif-2758	7	7	shows	show	VERB
ejif-2758	7	8	the	the	DET
ejif-2758	7	9	impact	impact	NOUN
ejif-2758	7	10	of	of	ADP
ejif-2758	7	11	real	real	ADJ
ejif-2758	7	12	leadership	leadership	NOUN
ejif-2758	7	13	from	from	ADP
ejif-2758	7	14	the	the	DET
ejif-2758	7	15	head	head	NOUN
ejif-2758	7	16	manager	manager	NOUN
ejif-2758	7	17	in	in	ADP
ejif-2758	7	18	the	the	DET
ejif-2758	7	19	performance	performance	NOUN
ejif-2758	7	20	of	of	ADP
ejif-2758	7	21	the	the	DET
ejif-2758	7	22	institution	institution	NOUN
ejif-2758	7	23	.	.	PUNCT
ejif-2758	8	1	keywords	keyword	NOUN
ejif-2758	8	2	—	—	PUNCT
ejif-2758	8	3	islamic	islamic	PROPN
ejif-2758	8	4	micro	micro	PROPN
ejif-2758	8	5	banking	banking	PROPN
ejif-2758	8	6	,	,	PUNCT
ejif-2758	8	7	monitoring	monitoring	NOUN
ejif-2758	8	8	,	,	PUNCT
ejif-2758	8	9	non	non	ADJ
ejif-2758	8	10	performing	perform	VERB
ejif-2758	8	11	financing	financing	NOUN
ejif-2758	8	12	,	,	PUNCT
ejif-2758	8	13	portfolio	portfolio	NOUN
ejif-2758	8	14	quality	quality	PROPN
ejif-2758	8	15	jel	jel	PROPN
ejif-2758	8	16	classification	classification	NOUN
ejif-2758	8	17	:	:	PUNCT
ejif-2758	8	18	g02	g02	NOUN
ejif-2758	8	19	,	,	PUNCT
ejif-2758	8	20	g14	g14	PROPN
ejif-2758	8	21	,	,	PUNCT
ejif-2758	8	22	g21	g21	PROPN
ejif-2758	8	23	i.	i.	NOUN
ejif-2758	8	24	introduction	introduction	NOUN
ejif-2758	8	25	in	in	ADP
ejif-2758	8	26	the	the	DET
ejif-2758	8	27	last	last	ADJ
ejif-2758	8	28	thirty	thirty	NUM
ejif-2758	8	29	years	year	NOUN
ejif-2758	8	30	,	,	PUNCT
ejif-2758	8	31	islamic	islamic	PROPN
ejif-2758	8	32	bank	bank	PROPN
ejif-2758	8	33	has	have	AUX
ejif-2758	8	34	been	be	AUX
ejif-2758	8	35	developing	develop	VERB
ejif-2758	8	36	,	,	PUNCT
ejif-2758	8	37	and	and	CCONJ
ejif-2758	8	38	it	it	PRON
ejif-2758	8	39	started	start	VERB
ejif-2758	8	40	in	in	ADP
ejif-2758	8	41	egypt	egypt	PROPN
ejif-2758	8	42	1970	1970	NUM
ejif-2758	8	43	as	as	ADP
ejif-2758	8	44	an	an	DET
ejif-2758	8	45	initiative	initiative	NOUN
ejif-2758	8	46	in	in	ADP
ejif-2758	8	47	the	the	DET
ejif-2758	8	48	rural	rural	ADJ
ejif-2758	8	49	area	area	NOUN
ejif-2758	8	50	.	.	PUNCT
ejif-2758	9	1	since	since	SCONJ
ejif-2758	9	2	that	that	DET
ejif-2758	9	3	time	time	NOUN
ejif-2758	9	4	islamic	islamic	PROPN
ejif-2758	9	5	bank	bank	PROPN
ejif-2758	9	6	it	it	PRON
ejif-2758	9	7	has	have	AUX
ejif-2758	9	8	been	be	AUX
ejif-2758	9	9	spread	spread	VERB
ejif-2758	9	10	around	around	ADP
ejif-2758	9	11	the	the	DET
ejif-2758	9	12	world	world	NOUN
ejif-2758	9	13	especially	especially	ADV
ejif-2758	9	14	for	for	ADP
ejif-2758	9	15	those	those	DET
ejif-2758	9	16	countries	country	NOUN
ejif-2758	9	17	with	with	ADP
ejif-2758	9	18	dominant	dominant	ADJ
ejif-2758	9	19	muslim	muslim	ADJ
ejif-2758	9	20	population	population	NOUN
ejif-2758	9	21	(	(	PUNCT
ejif-2758	9	22	iqbal	iqbal	PROPN
ejif-2758	9	23	&	&	CCONJ
ejif-2758	9	24	molyneux	molyneux	PROPN
ejif-2758	9	25	,	,	PUNCT
ejif-2758	9	26	2016	2016	NUM
ejif-2758	9	27	)	)	PUNCT
ejif-2758	9	28	.	.	PUNCT
ejif-2758	10	1	furthermore	furthermore	ADV
ejif-2758	10	2	,	,	PUNCT
ejif-2758	10	3	challenges	challenge	NOUN
ejif-2758	10	4	of	of	ADP
ejif-2758	10	5	development	development	NOUN
ejif-2758	10	6	and	and	CCONJ
ejif-2758	10	7	growth	growth	NOUN
ejif-2758	10	8	of	of	ADP
ejif-2758	10	9	islamic	islamic	PROPN
ejif-2758	10	10	banking	banking	PROPN
ejif-2758	10	11	differs	differ	NOUN
ejif-2758	10	12	according	accord	VERB
ejif-2758	10	13	to	to	ADP
ejif-2758	10	14	the	the	DET
ejif-2758	10	15	country	country	NOUN
ejif-2758	10	16	thus	thus	ADV
ejif-2758	10	17	each	each	DET
ejif-2758	10	18	country	country	NOUN
ejif-2758	10	19	has	have	VERB
ejif-2758	10	20	its	its	PRON
ejif-2758	10	21	own	own	ADJ
ejif-2758	10	22	such	such	ADJ
ejif-2758	10	23	as	as	ADP
ejif-2758	10	24	historical	historical	ADJ
ejif-2758	10	25	,	,	PUNCT
ejif-2758	10	26	social	social	ADJ
ejif-2758	10	27	and	and	CCONJ
ejif-2758	10	28	economic	economic	ADJ
ejif-2758	10	29	condition	condition	NOUN
ejif-2758	10	30	.	.	PUNCT
ejif-2758	11	1	according	accord	VERB
ejif-2758	11	2	to	to	ADP
ejif-2758	11	3	sukmadilaga	sukmadilaga	PROPN
ejif-2758	11	4	&	&	CCONJ
ejif-2758	11	5	nugroho	nugroho	NOUN
ejif-2758	11	6	,	,	PUNCT
ejif-2758	11	7	(	(	PUNCT
ejif-2758	11	8	2017	2017	NUM
ejif-2758	11	9	)	)	PUNCT
ejif-2758	11	10	and	and	CCONJ
ejif-2758	11	11	anugroho	anugroho	NOUN
ejif-2758	11	12	et	et	PROPN
ejif-2758	11	13	al	al	PROPN
ejif-2758	11	14	.	.	PROPN
ejif-2758	11	15	,	,	PUNCT
ejif-2758	11	16	(	(	PUNCT
ejif-2758	11	17	2017	2017	NUM
ejif-2758	11	18	)	)	PUNCT
ejif-2758	11	19	,	,	PUNCT
ejif-2758	11	20	the	the	DET
ejif-2758	11	21	argumentation	argumentation	NOUN
ejif-2758	11	22	of	of	ADP
ejif-2758	11	23	islamic	islamic	PROPN
ejif-2758	11	24	bank	bank	PROPN
ejif-2758	11	25	established	establish	VERB
ejif-2758	11	26	in	in	ADP
ejif-2758	11	27	several	several	ADJ
ejif-2758	11	28	countries	country	NOUN
ejif-2758	11	29	as	as	SCONJ
ejif-2758	11	30	follows	follow	VERB
ejif-2758	11	31	:	:	PUNCT
ejif-2758	11	32			VERB
ejif-2758	11	33	in	in	ADP
ejif-2758	11	34	the	the	DET
ejif-2758	11	35	middle	middle	ADJ
ejif-2758	11	36	eastern	eastern	ADJ
ejif-2758	11	37	countries	country	NOUN
ejif-2758	11	38	,	,	PUNCT
ejif-2758	11	39	the	the	DET
ejif-2758	11	40	increase	increase	NOUN
ejif-2758	11	41	of	of	ADP
ejif-2758	11	42	petrodollars	petrodollar	VERB
ejif-2758	11	43	commercial	commercial	ADJ
ejif-2758	11	44	activities	activity	NOUN
ejif-2758	11	45	in	in	ADP
ejif-2758	11	46	1970	1970	NUM
ejif-2758	11	47	-	-	SYM
ejif-2758	11	48	1980	1980	NUM
ejif-2758	11	49	was	be	AUX
ejif-2758	11	50	the	the	DET
ejif-2758	11	51	most	most	ADV
ejif-2758	11	52	significant	significant	ADJ
ejif-2758	11	53	driver	driver	NOUN
ejif-2758	11	54	for	for	ADP
ejif-2758	11	55	islamic	islamic	ADJ
ejif-2758	11	56	finance	finance	NOUN
ejif-2758	11	57	development	development	NOUN
ejif-2758	11	58	.	.	PUNCT
ejif-2758	12	1	for	for	ADP
ejif-2758	12	2	middle	middle	ADJ
ejif-2758	12	3	eastern	eastern	ADJ
ejif-2758	12	4	countries	country	NOUN
ejif-2758	12	5	such	such	ADJ
ejif-2758	12	6	as	as	ADP
ejif-2758	12	7	saudi	saudi	PROPN
ejif-2758	12	8	arabia	arabia	PROPN
ejif-2758	12	9	,	,	PUNCT
ejif-2758	12	10	kuwait	kuwait	PROPN
ejif-2758	12	11	,	,	PUNCT
ejif-2758	12	12	and	and	CCONJ
ejif-2758	12	13	bahrain	bahrain	ADJ
ejif-2758	12	14	islamic	islamic	ADJ
ejif-2758	12	15	banks	bank	NOUN
ejif-2758	12	16	represent	represent	VERB
ejif-2758	12	17	around	around	ADV
ejif-2758	12	18	48.9	48.9	NUM
ejif-2758	12	19	%	%	NOUN
ejif-2758	12	20	,	,	PUNCT
ejif-2758	12	21	44.6	44.6	NUM
ejif-2758	12	22	%	%	NOUN
ejif-2758	12	23	and	and	CCONJ
ejif-2758	12	24	27.7	27.7	NUM
ejif-2758	12	25	%	%	NOUN
ejif-2758	12	26	of	of	ADP
ejif-2758	12	27	the	the	DET
ejif-2758	12	28	market	market	NOUN
ejif-2758	12	29	share	share	NOUN
ejif-2758	12	30	;	;	PUNCT
ejif-2758	12	31			VERB
ejif-2758	12	32	in	in	ADP
ejif-2758	12	33	european	european	ADJ
ejif-2758	12	34	countries	country	NOUN
ejif-2758	12	35	due	due	ADP
ejif-2758	12	36	to	to	ADP
ejif-2758	12	37	the	the	DET
ejif-2758	12	38	increasing	increase	VERB
ejif-2758	12	39	phenomena	phenomenon	NOUN
ejif-2758	12	40	of	of	ADP
ejif-2758	12	41	islamic	islamic	ADJ
ejif-2758	12	42	banking	banking	NOUN
ejif-2758	12	43	,	,	PUNCT
ejif-2758	12	44	many	many	ADJ
ejif-2758	12	45	middle	middle	PROPN
ejif-2758	12	46	east	east	PROPN
ejif-2758	12	47	investors	investor	NOUN
ejif-2758	12	48	move	move	VERB
ejif-2758	12	49	their	their	PRON
ejif-2758	12	50	funds	fund	NOUN
ejif-2758	12	51	from	from	ADP
ejif-2758	12	52	conventional	conventional	ADJ
ejif-2758	12	53	banking	banking	NOUN
ejif-2758	12	54	to	to	ADP
ejif-2758	12	55	islamic	islamic	ADJ
ejif-2758	12	56	banking	banking	NOUN
ejif-2758	12	57	in	in	ADP
ejif-2758	12	58	their	their	PRON
ejif-2758	12	59	country	country	NOUN
ejif-2758	12	60	.	.	PUNCT
ejif-2758	13	1	therefore	therefore	ADV
ejif-2758	13	2	,	,	PUNCT
ejif-2758	13	3	european	european	ADJ
ejif-2758	13	4	governments	government	NOUN
ejif-2758	13	5	especially	especially	ADV
ejif-2758	13	6	the	the	DET
ejif-2758	13	7	united	united	PROPN
ejif-2758	13	8	kingdom	kingdom	NOUN
ejif-2758	13	9	started	start	VERB
ejif-2758	13	10	to	to	PART
ejif-2758	13	11	develop	develop	VERB
ejif-2758	13	12	policies	policy	NOUN
ejif-2758	13	13	that	that	PRON
ejif-2758	13	14	boost	boost	VERB
ejif-2758	13	15	and	and	CCONJ
ejif-2758	13	16	enable	enable	VERB
ejif-2758	13	17	conventional	conventional	ADJ
ejif-2758	13	18	banks	bank	NOUN
ejif-2758	13	19	to	to	PART
ejif-2758	13	20	establish	establish	VERB
ejif-2758	13	21	either	either	CCONJ
ejif-2758	13	22	sharia	sharia	PROPN
ejif-2758	13	23	financial	financial	ADJ
ejif-2758	13	24	services	service	NOUN
ejif-2758	13	25	in	in	ADP
ejif-2758	13	26	parallel	parallel	NOUN
ejif-2758	13	27	with	with	ADP
ejif-2758	13	28	conventional	conventional	ADJ
ejif-2758	13	29	financial	financial	ADJ
ejif-2758	13	30	services	service	NOUN
ejif-2758	13	31	or	or	CCONJ
ejif-2758	13	32	only	only	ADV
ejif-2758	13	33	pure	pure	ADJ
ejif-2758	13	34	islamic	islamic	ADJ
ejif-2758	13	35	banking	banking	NOUN
ejif-2758	13	36	institutions	institution	NOUN
ejif-2758	13	37	.	.	PUNCT
ejif-2758	14	1	financial	financial	ADJ
ejif-2758	14	2	institutions	institution	NOUN
ejif-2758	14	3	that	that	PRON
ejif-2758	14	4	offer	offer	VERB
ejif-2758	14	5	both	both	DET
ejif-2758	14	6	conventional	conventional	ADJ
ejif-2758	14	7	and	and	CCONJ
ejif-2758	14	8	islamic	islamic	ADJ
ejif-2758	14	9	financial	financial	ADJ
ejif-2758	14	10	services	service	NOUN
ejif-2758	14	11	are	be	AUX
ejif-2758	14	12	named	name	VERB
ejif-2758	14	13	islamic	islamic	ADJ
ejif-2758	14	14	windows	window	NOUN
ejif-2758	14	15	.	.	PUNCT
ejif-2758	15	1	furthermore	furthermore	ADV
ejif-2758	15	2	,	,	PUNCT
ejif-2758	15	3	fully	fully	ADV
ejif-2758	15	4	sharia	sharia	NOUN
ejif-2758	15	5	-	-	PUNCT
ejif-2758	15	6	compliant	compliant	ADJ
ejif-2758	15	7	institutions	institution	NOUN
ejif-2758	15	8	were	be	AUX
ejif-2758	15	9	established	establish	VERB
ejif-2758	15	10	at	at	ADP
ejif-2758	15	11	that	that	DET
ejif-2758	15	12	time	time	NOUN
ejif-2758	15	13	;	;	PUNCT
ejif-2758	15	14			X
ejif-2758	15	15	in	in	ADP
ejif-2758	15	16	malaysia	malaysia	PROPN
ejif-2758	15	17	,	,	PUNCT
ejif-2758	15	18	the	the	DET
ejif-2758	15	19	islamic	islamic	PROPN
ejif-2758	15	20	banking	banking	PROPN
ejif-2758	15	21	development	development	NOUN
ejif-2758	15	22	was	be	AUX
ejif-2758	15	23	driven	drive	VERB
ejif-2758	15	24	by	by	ADP
ejif-2758	15	25	the	the	DET
ejif-2758	15	26	government	government	NOUN
ejif-2758	15	27	policies	policy	NOUN
ejif-2758	15	28	that	that	PRON
ejif-2758	15	29	allow	allow	VERB
ejif-2758	15	30	the	the	DET
ejif-2758	15	31	rapidly	rapidly	ADV
ejif-2758	15	32	growing	grow	VERB
ejif-2758	15	33	and	and	CCONJ
ejif-2758	15	34	the	the	DET
ejif-2758	15	35	desire	desire	NOUN
ejif-2758	15	36	to	to	PART
ejif-2758	15	37	become	become	VERB
ejif-2758	15	38	a	a	DET
ejif-2758	15	39	hub	hub	NOUN
ejif-2758	15	40	for	for	ADP
ejif-2758	15	41	international	international	ADJ
ejif-2758	15	42	islamic	islamic	ADJ
ejif-2758	15	43	funds	fund	NOUN
ejif-2758	15	44	.	.	PUNCT
ejif-2758	16	1	therefore	therefore	ADV
ejif-2758	16	2	,	,	PUNCT
ejif-2758	16	3	the	the	DET
ejif-2758	16	4	government	government	NOUN
ejif-2758	16	5	develops	develop	VERB
ejif-2758	16	6	policies	policy	NOUN
ejif-2758	16	7	related	relate	VERB
ejif-2758	16	8	to	to	ADP
ejif-2758	16	9	the	the	DET
ejif-2758	16	10	tax	tax	NOUN
ejif-2758	16	11	breaks	break	NOUN
ejif-2758	16	12	and	and	CCONJ
ejif-2758	16	13	license	license	NOUN
ejif-2758	16	14	facilities	facility	NOUN
ejif-2758	16	15	that	that	PRON
ejif-2758	16	16	look	look	VERB
ejif-2758	16	17	attractive	attractive	ADJ
ejif-2758	16	18	to	to	ADP
ejif-2758	16	19	investors	investor	NOUN
ejif-2758	16	20	in	in	ADP
ejif-2758	16	21	the	the	DET
ejif-2758	16	22	islamic	islamic	ADJ
ejif-2758	16	23	finance	finance	NOUN
ejif-2758	16	24	industry	industry	NOUN
ejif-2758	16	25	in	in	ADP
ejif-2758	16	26	malaysia	malaysia	PROPN
ejif-2758	16	27	.	.	PUNCT
ejif-2758	17	1	the	the	DET
ejif-2758	17	2	major	major	ADJ
ejif-2758	17	3	establishment	establishment	NOUN
ejif-2758	17	4	of	of	ADP
ejif-2758	17	5	islamic	islamic	ADJ
ejif-2758	17	6	banking	banking	NOUN
ejif-2758	17	7	was	be	AUX
ejif-2758	17	8	the	the	DET
ejif-2758	17	9	bank	bank	NOUN
ejif-2758	17	10	islam	islam	PROPN
ejif-2758	17	11	malaysia	malaysia	PROPN
ejif-2758	17	12	berhad	berhad	PROPN
ejif-2758	17	13	(	(	PUNCT
ejif-2758	17	14	bimb	bimb	PROPN
ejif-2758	17	15	)	)	PUNCT
ejif-2758	17	16	in	in	ADP
ejif-2758	17	17	1984	1984	NUM
ejif-2758	17	18	;	;	PUNCT
ejif-2758	17	19			VERB
ejif-2758	17	20	in	in	ADP
ejif-2758	17	21	indonesia	indonesia	PROPN
ejif-2758	17	22	,	,	PUNCT
ejif-2758	17	23	the	the	DET
ejif-2758	17	24	islamic	islamic	ADJ
ejif-2758	17	25	banking	banking	NOUN
ejif-2758	17	26	has	have	AUX
ejif-2758	17	27	been	be	AUX
ejif-2758	17	28	developed	develop	VERB
ejif-2758	17	29	relatively	relatively	ADV
ejif-2758	17	30	late	late	ADJ
ejif-2758	17	31	mainly	mainly	ADV
ejif-2758	17	32	because	because	SCONJ
ejif-2758	17	33	of	of	ADP
ejif-2758	17	34	the	the	DET
ejif-2758	17	35	pancasila	pancasila	NOUN
ejif-2758	17	36	(	(	PUNCT
ejif-2758	17	37	five	five	NUM
ejif-2758	17	38	pillars	pillar	NOUN
ejif-2758	17	39	)	)	PUNCT
ejif-2758	17	40	as	as	ADP
ejif-2758	17	41	the	the	DET
ejif-2758	17	42	fundamental	fundamental	ADJ
ejif-2758	17	43	way	way	NOUN
ejif-2758	17	44	of	of	ADP
ejif-2758	17	45	life	life	NOUN
ejif-2758	17	46	in	in	ADP
ejif-2758	17	47	indonesia	indonesia	PROPN
ejif-2758	17	48	that	that	PRON
ejif-2758	17	49	recognizes	recognize	VERB
ejif-2758	17	50	the	the	DET
ejif-2758	17	51	free	free	ADJ
ejif-2758	17	52	will	will	NOUN
ejif-2758	17	53	of	of	ADP
ejif-2758	17	54	people	people	NOUN
ejif-2758	17	55	to	to	PART
ejif-2758	17	56	hold	hold	VERB
ejif-2758	17	57	a	a	DET
ejif-2758	17	58	religion	religion	NOUN
ejif-2758	17	59	.	.	PUNCT
ejif-2758	18	1	the	the	DET
ejif-2758	18	2	recognize	recognize	VERB
ejif-2758	18	3	religion	religion	NOUN
ejif-2758	18	4	in	in	ADP
ejif-2758	18	5	indonesia	indonesia	PROPN
ejif-2758	18	6	are	be	AUX
ejif-2758	18	7	christian	christian	PROPN
ejif-2758	18	8	,	,	PUNCT
ejif-2758	18	9	budha	budha	ADJ
ejif-2758	18	10	,	,	PUNCT
ejif-2758	18	11	hindu	hindu	NOUN
ejif-2758	18	12	,	,	PUNCT
ejif-2758	18	13	catholic	catholic	ADJ
ejif-2758	18	14	,	,	PUNCT
ejif-2758	18	15	konghucu	konghucu	NOUN
ejif-2758	18	16	,	,	PUNCT
ejif-2758	18	17	and	and	CCONJ
ejif-2758	18	18	islam	islam	PROPN
ejif-2758	18	19	thus	thus	ADV
ejif-2758	18	20	the	the	DET
ejif-2758	18	21	economic	economic	ADJ
ejif-2758	18	22	activities	activity	NOUN
ejif-2758	18	23	were	be	AUX
ejif-2758	18	24	developed	develop	VERB
ejif-2758	18	25	separately	separately	ADV
ejif-2758	18	26	from	from	ADP
ejif-2758	18	27	religion	religion	NOUN
ejif-2758	18	28	.	.	PUNCT
ejif-2758	19	1	however	however	ADV
ejif-2758	19	2	,	,	PUNCT
ejif-2758	19	3	the	the	DET
ejif-2758	19	4	majority	majority	NOUN
ejif-2758	19	5	of	of	ADP
ejif-2758	19	6	the	the	DET
ejif-2758	19	7	population	population	NOUN
ejif-2758	19	8	of	of	ADP
ejif-2758	19	9	indonesia	indonesia	PROPN
ejif-2758	19	10	is	be	AUX
ejif-2758	19	11	muslim	muslim	ADJ
ejif-2758	19	12	around	around	ADP
ejif-2758	19	13	85	85	NUM
ejif-2758	19	14	%	%	NOUN
ejif-2758	19	15	(	(	PUNCT
ejif-2758	19	16	venardos	venardo	NOUN
ejif-2758	19	17	,	,	PUNCT
ejif-2758	19	18	2012	2012	NUM
ejif-2758	19	19	and	and	CCONJ
ejif-2758	19	20	bureau	bureau	NOUN
ejif-2758	19	21	statistic	statistic	NOUN
ejif-2758	19	22	of	of	ADP
ejif-2758	19	23	indonesia	indonesia	PROPN
ejif-2758	19	24	)	)	PUNCT
ejif-2758	19	25	.	.	PUNCT
ejif-2758	20	1	lucky	lucky	ADJ
ejif-2758	20	2	nugrohoa	nugrohoa	NOUN
ejif-2758	20	3	,	,	PUNCT
ejif-2758	20	4	wayra	wayra	NOUN
ejif-2758	20	5	villaroelb	villaroelb	NOUN
ejif-2758	20	6	.	.	PUNCT
ejif-2758	20	7	,	,	PUNCT
ejif-2758	20	8	and	and	CCONJ
ejif-2758	20	9	wiwik	wiwik	PROPN
ejif-2758	20	10	utamia	utamia	PROPN
ejif-2758	20	11	ejif	ejif	PROPN
ejif-2758	20	12	–	–	PUNCT
ejif-2758	20	13	european	european	PROPN
ejif-2758	20	14	journal	journal	PROPN
ejif-2758	20	15	of	of	ADP
ejif-2758	20	16	islamic	islamic	PROPN
ejif-2758	20	17	finance	finance	PROPN
ejif-2758	20	18	no11	no11	PROPN
ejif-2758	20	19	,	,	PUNCT
ejif-2758	20	20	december	december	PROPN
ejif-2758	20	21	(	(	PUNCT
ejif-2758	20	22	2018	2018	NUM
ejif-2758	20	23	)	)	PUNCT
ejif-2758	21	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	21	2	issn	issn	VERB
ejif-2758	21	3	2421	2421	NUM
ejif-2758	21	4	-	-	SYM
ejif-2758	21	5	2172	2172	NUM
ejif-2758	21	6	2	2	NUM
ejif-2758	21	7	so	so	ADV
ejif-2758	21	8	,	,	PUNCT
ejif-2758	21	9	the	the	DET
ejif-2758	21	10	religious	religious	ADJ
ejif-2758	21	11	context	context	NOUN
ejif-2758	21	12	and	and	CCONJ
ejif-2758	21	13	the	the	DET
ejif-2758	21	14	muslim	muslim	PROPN
ejif-2758	21	15	scholar	scholar	PROPN
ejif-2758	21	16	development	development	NOUN
ejif-2758	21	17	were	be	AUX
ejif-2758	21	18	the	the	DET
ejif-2758	21	19	main	main	ADJ
ejif-2758	21	20	catalysts	catalyst	NOUN
ejif-2758	21	21	that	that	PRON
ejif-2758	21	22	encouraged	encourage	VERB
ejif-2758	21	23	the	the	DET
ejif-2758	21	24	growth	growth	NOUN
ejif-2758	21	25	of	of	ADP
ejif-2758	21	26	islamic	islamic	ADJ
ejif-2758	21	27	banking	banking	NOUN
ejif-2758	21	28	activities	activity	NOUN
ejif-2758	21	29	.	.	PUNCT
ejif-2758	22	1	the	the	DET
ejif-2758	22	2	muamalat	muamalat	PROPN
ejif-2758	22	3	bank	bank	PROPN
ejif-2758	22	4	is	be	AUX
ejif-2758	22	5	the	the	DET
ejif-2758	22	6	first	first	ADJ
ejif-2758	22	7	islamic	islamic	PROPN
ejif-2758	22	8	bank	bank	PROPN
ejif-2758	22	9	in	in	ADP
ejif-2758	22	10	indonesia	indonesia	PROPN
ejif-2758	22	11	,	,	PUNCT
ejif-2758	22	12	it	it	PRON
ejif-2758	22	13	was	be	AUX
ejif-2758	22	14	established	establish	VERB
ejif-2758	22	15	in	in	ADP
ejif-2758	22	16	1992	1992	NUM
ejif-2758	22	17	.	.	PUNCT
ejif-2758	23	1	the	the	DET
ejif-2758	23	2	principle	principle	NOUN
ejif-2758	23	3	of	of	ADP
ejif-2758	23	4	islamic	islamic	ADJ
ejif-2758	23	5	finance	finance	NOUN
ejif-2758	23	6	based	base	VERB
ejif-2758	23	7	on	on	ADP
ejif-2758	23	8	equality	equality	NOUN
ejif-2758	23	9	,	,	PUNCT
ejif-2758	23	10	social	social	ADJ
ejif-2758	23	11	justice	justice	NOUN
ejif-2758	23	12	,	,	PUNCT
ejif-2758	23	13	no	no	DET
ejif-2758	23	14	discrimination	discrimination	NOUN
ejif-2758	23	15	and	and	CCONJ
ejif-2758	23	16	the	the	DET
ejif-2758	23	17	protection	protection	NOUN
ejif-2758	23	18	of	of	ADP
ejif-2758	23	19	the	the	DET
ejif-2758	23	20	weak	weak	ADJ
ejif-2758	23	21	people	people	NOUN
ejif-2758	23	22	(	(	PUNCT
ejif-2758	23	23	venardos	venardo	NOUN
ejif-2758	23	24	,	,	PUNCT
ejif-2758	23	25	2012	2012	NUM
ejif-2758	23	26	;	;	PUNCT
ejif-2758	23	27	arafah	arafah	VERB
ejif-2758	23	28	&	&	CCONJ
ejif-2758	23	29	nugroho	nugroho	NOUN
ejif-2758	23	30	,	,	PUNCT
ejif-2758	23	31	2016	2016	NUM
ejif-2758	23	32	)	)	PUNCT
ejif-2758	23	33	.	.	PUNCT
ejif-2758	24	1	such	such	ADJ
ejif-2758	24	2	concepts	concept	NOUN
ejif-2758	24	3	align	align	VERB
ejif-2758	24	4	with	with	ADP
ejif-2758	24	5	the	the	DET
ejif-2758	24	6	microfinance	microfinance	NOUN
ejif-2758	24	7	ideals	ideal	NOUN
ejif-2758	24	8	which	which	PRON
ejif-2758	24	9	pursue	pursue	VERB
ejif-2758	24	10	secure	secure	ADJ
ejif-2758	24	11	access	access	NOUN
ejif-2758	24	12	to	to	ADP
ejif-2758	24	13	financial	financial	ADJ
ejif-2758	24	14	instruments	instrument	NOUN
ejif-2758	24	15	for	for	ADP
ejif-2758	24	16	people	people	NOUN
ejif-2758	24	17	with	with	ADP
ejif-2758	24	18	low	low	ADJ
ejif-2758	24	19	income	income	NOUN
ejif-2758	24	20	exposed	expose	VERB
ejif-2758	24	21	to	to	ADP
ejif-2758	24	22	the	the	DET
ejif-2758	24	23	"	"	PUNCT
ejif-2758	24	24	triple	triple	ADJ
ejif-2758	24	25	whammy	whammy	NOUN
ejif-2758	24	26	"	"	PUNCT
ejif-2758	24	27	(	(	PUNCT
ejif-2758	24	28	mersland	mersland	PROPN
ejif-2758	24	29	&	&	CCONJ
ejif-2758	24	30	strøm	strøm	PROPN
ejif-2758	24	31	,	,	PUNCT
ejif-2758	24	32	2012	2012	NUM
ejif-2758	24	33	;	;	PUNCT
ejif-2758	24	34	collins	collins	PROPN
ejif-2758	24	35	et	et	PROPN
ejif-2758	24	36	al	al	PROPN
ejif-2758	24	37	.	.	PROPN
ejif-2758	24	38	,	,	PUNCT
ejif-2758	24	39	2009	2009	NUM
ejif-2758	24	40	)	)	PUNCT
ejif-2758	24	41	.	.	PUNCT
ejif-2758	25	1	however	however	ADV
ejif-2758	25	2	,	,	PUNCT
ejif-2758	25	3	inside	inside	ADP
ejif-2758	25	4	islamic	islamic	ADJ
ejif-2758	25	5	banking	banking	NOUN
ejif-2758	25	6	there	there	PRON
ejif-2758	25	7	is	be	VERB
ejif-2758	25	8	microfinance	microfinance	NOUN
ejif-2758	25	9	product	product	NOUN
ejif-2758	25	10	(	(	PUNCT
ejif-2758	25	11	nugroho	nugroho	NOUN
ejif-2758	25	12	,	,	PUNCT
ejif-2758	25	13	2014	2014	NUM
ejif-2758	25	14	)	)	PUNCT
ejif-2758	25	15	.	.	PUNCT
ejif-2758	26	1	according	accord	VERB
ejif-2758	26	2	to	to	ADP
ejif-2758	26	3	armendáriz	armendáriz	PROPN
ejif-2758	26	4	&	&	CCONJ
ejif-2758	26	5	morduch	morduch	PROPN
ejif-2758	26	6	(	(	PUNCT
ejif-2758	26	7	2010	2010	NUM
ejif-2758	26	8	)	)	PUNCT
ejif-2758	26	9	and	and	CCONJ
ejif-2758	26	10	sheth	sheth	PROPN
ejif-2758	26	11	et	et	PROPN
ejif-2758	26	12	al	al	PROPN
ejif-2758	26	13	.	.	PROPN
ejif-2758	27	1	(	(	PUNCT
ejif-2758	27	2	2011	2011	NUM
ejif-2758	27	3	)	)	PUNCT
ejif-2758	27	4	microfinance	microfinance	NOUN
ejif-2758	27	5	has	have	VERB
ejif-2758	27	6	to	to	PART
ejif-2758	27	7	contemplate	contemplate	VERB
ejif-2758	27	8	both	both	PRON
ejif-2758	27	9	finance	finance	NOUN
ejif-2758	27	10	and	and	CCONJ
ejif-2758	27	11	social	social	ADJ
ejif-2758	27	12	approaches	approach	NOUN
ejif-2758	27	13	to	to	PART
ejif-2758	27	14	keep	keep	VERB
ejif-2758	27	15	financial	financial	ADJ
ejif-2758	27	16	sustainability	sustainability	NOUN
ejif-2758	27	17	and	and	CCONJ
ejif-2758	27	18	expand	expand	VERB
ejif-2758	27	19	the	the	DET
ejif-2758	27	20	outreach	outreach	NOUN
ejif-2758	27	21	of	of	ADP
ejif-2758	27	22	its	its	PRON
ejif-2758	27	23	operations	operation	NOUN
ejif-2758	27	24	.	.	PUNCT
ejif-2758	28	1	concerning	concern	VERB
ejif-2758	28	2	to	to	ADP
ejif-2758	28	3	financial	financial	ADJ
ejif-2758	28	4	aspect	aspect	NOUN
ejif-2758	28	5	,	,	PUNCT
ejif-2758	28	6	sustainability	sustainability	NOUN
ejif-2758	28	7	is	be	AUX
ejif-2758	28	8	correlated	correlate	VERB
ejif-2758	28	9	to	to	PART
ejif-2758	28	10	manage	manage	VERB
ejif-2758	28	11	the	the	DET
ejif-2758	28	12	risks	risk	NOUN
ejif-2758	28	13	such	such	ADJ
ejif-2758	28	14	as	as	ADP
ejif-2758	28	15	credit	credit	NOUN
ejif-2758	28	16	risk	risk	NOUN
ejif-2758	28	17	,	,	PUNCT
ejif-2758	28	18	operational	operational	ADJ
ejif-2758	28	19	risk	risk	NOUN
ejif-2758	28	20	,	,	PUNCT
ejif-2758	28	21	reputation	reputation	NOUN
ejif-2758	28	22	risk	risk	NOUN
ejif-2758	28	23	,	,	PUNCT
ejif-2758	28	24	liquidity	liquidity	NOUN
ejif-2758	28	25	risk	risk	NOUN
ejif-2758	28	26	.	.	PUNCT
ejif-2758	29	1	therefore	therefore	ADV
ejif-2758	29	2	,	,	PUNCT
ejif-2758	29	3	since	since	SCONJ
ejif-2758	29	4	the	the	DET
ejif-2758	29	5	major	major	ADJ
ejif-2758	29	6	part	part	NOUN
ejif-2758	29	7	of	of	ADP
ejif-2758	29	8	the	the	DET
ejif-2758	29	9	asset	asset	NOUN
ejif-2758	29	10	of	of	ADP
ejif-2758	29	11	mfis	mfis	PROPN
ejif-2758	29	12	is	be	AUX
ejif-2758	29	13	compound	compound	VERB
ejif-2758	29	14	by	by	ADP
ejif-2758	29	15	the	the	DET
ejif-2758	29	16	outstanding	outstanding	ADJ
ejif-2758	29	17	loan	loan	NOUN
ejif-2758	29	18	,	,	PUNCT
ejif-2758	29	19	mfis	mfis	PROPN
ejif-2758	29	20	have	have	VERB
ejif-2758	29	21	to	to	PART
ejif-2758	29	22	focus	focus	VERB
ejif-2758	29	23	on	on	ADP
ejif-2758	29	24	the	the	DET
ejif-2758	29	25	quality	quality	NOUN
ejif-2758	29	26	of	of	ADP
ejif-2758	29	27	its	its	PRON
ejif-2758	29	28	portfolio	portfolio	NOUN
ejif-2758	29	29	and	and	CCONJ
ejif-2758	29	30	must	must	AUX
ejif-2758	29	31	develop	develop	VERB
ejif-2758	29	32	effective	effective	ADJ
ejif-2758	29	33	screening	screening	NOUN
ejif-2758	29	34	,	,	PUNCT
ejif-2758	29	35	monitoring	monitoring	NOUN
ejif-2758	29	36	and	and	CCONJ
ejif-2758	29	37	enforcement	enforcement	NOUN
ejif-2758	29	38	practices	practice	NOUN
ejif-2758	29	39	(	(	PUNCT
ejif-2758	29	40	chakrabarty	chakrabarty	NOUN
ejif-2758	29	41	&	&	CCONJ
ejif-2758	29	42	bass	bass	PROPN
ejif-2758	29	43	,	,	PUNCT
ejif-2758	29	44	2015	2015	NUM
ejif-2758	29	45	;	;	PUNCT
ejif-2758	29	46	shuteng	shuteng	PROPN
ejif-2758	29	47	et	et	PROPN
ejif-2758	29	48	al	al	PROPN
ejif-2758	29	49	.	.	PROPN
ejif-2758	29	50	,	,	PUNCT
ejif-2758	29	51	2015	2015	NUM
ejif-2758	29	52	)	)	PUNCT
ejif-2758	29	53	.	.	PUNCT
ejif-2758	30	1	microfinance	microfinance	NOUN
ejif-2758	30	2	industry	industry	NOUN
ejif-2758	30	3	has	have	VERB
ejif-2758	30	4	particular	particular	ADJ
ejif-2758	30	5	characteristics	characteristic	NOUN
ejif-2758	30	6	which	which	PRON
ejif-2758	30	7	differ	differ	VERB
ejif-2758	30	8	from	from	ADP
ejif-2758	30	9	the	the	DET
ejif-2758	30	10	conventional	conventional	ADJ
ejif-2758	30	11	banking	banking	NOUN
ejif-2758	30	12	sector	sector	NOUN
ejif-2758	30	13	such	such	ADJ
ejif-2758	30	14	as	as	ADP
ejif-2758	30	15	high	high	ADJ
ejif-2758	30	16	volume	volume	NOUN
ejif-2758	30	17	,	,	PUNCT
ejif-2758	30	18	high	high	ADJ
ejif-2758	30	19	risk	risk	NOUN
ejif-2758	30	20	and	and	CCONJ
ejif-2758	30	21	high	high	ADJ
ejif-2758	30	22	administrative	administrative	ADJ
ejif-2758	30	23	cost	cost	NOUN
ejif-2758	30	24	(	(	PUNCT
ejif-2758	30	25	mersland	mersland	PROPN
ejif-2758	30	26	&	&	CCONJ
ejif-2758	30	27	strøm	strøm	PROPN
ejif-2758	30	28	,	,	PUNCT
ejif-2758	30	29	2012	2012	NUM
ejif-2758	30	30	)	)	PUNCT
ejif-2758	30	31	.	.	PUNCT
ejif-2758	31	1	islamic	islamic	ADJ
ejif-2758	31	2	banking	banking	NOUN
ejif-2758	31	3	is	be	AUX
ejif-2758	31	4	developing	develop	VERB
ejif-2758	31	5	around	around	ADV
ejif-2758	31	6	worldwide	worldwide	ADV
ejif-2758	31	7	especially	especially	ADV
ejif-2758	31	8	for	for	ADP
ejif-2758	31	9	muslims	muslims	PROPN
ejif-2758	31	10	countries	country	NOUN
ejif-2758	31	11	as	as	ADP
ejif-2758	31	12	a	a	DET
ejif-2758	31	13	new	new	ADJ
ejif-2758	31	14	pathway	pathway	NOUN
ejif-2758	31	15	to	to	PART
ejif-2758	31	16	offer	offer	VERB
ejif-2758	31	17	microfinance	microfinance	NOUN
ejif-2758	31	18	services	service	NOUN
ejif-2758	31	19	that	that	PRON
ejif-2758	31	20	align	align	VERB
ejif-2758	31	21	with	with	ADP
ejif-2758	31	22	sharia	sharia	PROPN
ejif-2758	31	23	principles	principle	NOUN
ejif-2758	31	24	.	.	PUNCT
ejif-2758	32	1	furthermore	furthermore	ADV
ejif-2758	32	2	,	,	PUNCT
ejif-2758	32	3	within	within	ADP
ejif-2758	32	4	the	the	DET
ejif-2758	32	5	islamic	islamic	PROPN
ejif-2758	32	6	bank	bank	PROPN
ejif-2758	32	7	industry	industry	NOUN
ejif-2758	32	8	of	of	ADP
ejif-2758	32	9	indonesia	indonesia	PROPN
ejif-2758	32	10	,	,	PUNCT
ejif-2758	32	11	bank	bank	NOUN
ejif-2758	32	12	syariah	syariah	NOUN
ejif-2758	32	13	mandiri	mandiri	NOUN
ejif-2758	32	14	(	(	PUNCT
ejif-2758	32	15	bsm	bsm	PROPN
ejif-2758	32	16	)	)	PUNCT
ejif-2758	32	17	has	have	VERB
ejif-2758	32	18	the	the	DET
ejif-2758	32	19	major	major	NOUN
ejif-2758	32	20	in	in	ADP
ejif-2758	32	21	term	term	NOUN
ejif-2758	32	22	of	of	ADP
ejif-2758	32	23	their	their	PRON
ejif-2758	32	24	assets	asset	NOUN
ejif-2758	32	25	,	,	PUNCT
ejif-2758	32	26	branches	branch	NOUN
ejif-2758	32	27	(	(	PUNCT
ejif-2758	32	28	extensive	extensive	ADJ
ejif-2758	32	29	network	network	NOUN
ejif-2758	32	30	)	)	PUNCT
ejif-2758	32	31	and	and	CCONJ
ejif-2758	32	32	market	market	NOUN
ejif-2758	32	33	share	share	NOUN
ejif-2758	32	34	on	on	ADP
ejif-2758	32	35	islamic	islamic	ADJ
ejif-2758	32	36	banking	banking	NOUN
ejif-2758	32	37	.	.	PUNCT
ejif-2758	33	1	bsm	bsm	PROPN
ejif-2758	33	2	has	have	VERB
ejif-2758	33	3	microfinance	microfinance	NOUN
ejif-2758	33	4	products	product	NOUN
ejif-2758	33	5	designed	design	VERB
ejif-2758	33	6	to	to	PART
ejif-2758	33	7	fulfill	fulfill	VERB
ejif-2758	33	8	the	the	DET
ejif-2758	33	9	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	33	10	and	and	CCONJ
ejif-2758	33	11	low	low	ADJ
ejif-2758	33	12	-	-	PUNCT
ejif-2758	33	13	income	income	NOUN
ejif-2758	33	14	sector	sector	NOUN
ejif-2758	33	15	which	which	PRON
ejif-2758	33	16	follow	follow	VERB
ejif-2758	33	17	the	the	DET
ejif-2758	33	18	bsm	bsm	PROPN
ejif-2758	33	19	vision	vision	PROPN
ejif-2758	33	20	and	and	CCONJ
ejif-2758	33	21	mission	mission	NOUN
ejif-2758	33	22	(	(	PUNCT
ejif-2758	33	23	annual	annual	ADJ
ejif-2758	33	24	report	report	NOUN
ejif-2758	33	25	of	of	ADP
ejif-2758	33	26	bsm	bsm	PROPN
ejif-2758	33	27	,	,	PUNCT
ejif-2758	33	28	2015	2015	NUM
ejif-2758	33	29	)	)	PUNCT
ejif-2758	33	30	.	.	PUNCT
ejif-2758	34	1	the	the	DET
ejif-2758	34	2	rapid	rapid	ADJ
ejif-2758	34	3	growth	growth	NOUN
ejif-2758	34	4	of	of	ADP
ejif-2758	34	5	islamic	islamic	ADJ
ejif-2758	34	6	banking	banking	NOUN
ejif-2758	34	7	might	might	AUX
ejif-2758	34	8	imply	imply	VERB
ejif-2758	34	9	a	a	DET
ejif-2758	34	10	worsening	worsening	NOUN
ejif-2758	34	11	of	of	ADP
ejif-2758	34	12	the	the	DET
ejif-2758	34	13	quality	quality	NOUN
ejif-2758	34	14	of	of	ADP
ejif-2758	34	15	microfinance	microfinance	NOUN
ejif-2758	34	16	services	service	NOUN
ejif-2758	34	17	that	that	PRON
ejif-2758	34	18	means	mean	VERB
ejif-2758	34	19	a	a	DET
ejif-2758	34	20	relaxing	relaxing	NOUN
ejif-2758	34	21	on	on	ADP
ejif-2758	34	22	the	the	DET
ejif-2758	34	23	screening	screening	NOUN
ejif-2758	34	24	or	or	CCONJ
ejif-2758	34	25	monitoring	monitoring	NOUN
ejif-2758	34	26	process	process	NOUN
ejif-2758	34	27	(	(	PUNCT
ejif-2758	34	28	assefa	assefa	NOUN
ejif-2758	34	29	et	et	PROPN
ejif-2758	34	30	al	al	PROPN
ejif-2758	34	31	.	.	PROPN
ejif-2758	34	32	,	,	PUNCT
ejif-2758	34	33	2013	2013	NUM
ejif-2758	34	34	)	)	PUNCT
ejif-2758	34	35	.	.	PUNCT
ejif-2758	35	1	hence	hence	ADV
ejif-2758	35	2	an	an	DET
ejif-2758	35	3	increase	increase	NOUN
ejif-2758	35	4	of	of	ADP
ejif-2758	35	5	non	non	ADJ
ejif-2758	35	6	-	-	ADJ
ejif-2758	35	7	performing	performing	ADJ
ejif-2758	35	8	loan	loan	NOUN
ejif-2758	35	9	(	(	PUNCT
ejif-2758	35	10	npl	npl	NOUN
ejif-2758	35	11	)	)	PUNCT
ejif-2758	35	12	that	that	SCONJ
ejif-2758	35	13	since	since	SCONJ
ejif-2758	35	14	now	now	ADV
ejif-2758	35	15	is	be	AUX
ejif-2758	35	16	going	go	VERB
ejif-2758	35	17	to	to	PART
ejif-2758	35	18	be	be	AUX
ejif-2758	35	19	called	call	VERB
ejif-2758	35	20	as	as	ADP
ejif-2758	35	21	non	non	ADJ
ejif-2758	35	22	-	-	ADJ
ejif-2758	35	23	performing	performing	ADJ
ejif-2758	35	24	financing	financing	NOUN
ejif-2758	35	25	(	(	PUNCT
ejif-2758	35	26	npf	npf	PROPN
ejif-2758	35	27	)	)	PUNCT
ejif-2758	35	28	which	which	PRON
ejif-2758	35	29	is	be	AUX
ejif-2758	35	30	the	the	DET
ejif-2758	35	31	terminology	terminology	NOUN
ejif-2758	35	32	used	use	VERB
ejif-2758	35	33	in	in	ADP
ejif-2758	35	34	bank	bank	NOUN
ejif-2758	35	35	syariah	syariah	NOUN
ejif-2758	35	36	mandiri	mandiri	NOUN
ejif-2758	35	37	for	for	ADP
ejif-2758	35	38	the	the	DET
ejif-2758	35	39	npf	npf	PROPN
ejif-2758	35	40	.	.	PUNCT
ejif-2758	36	1	thus	thus	ADV
ejif-2758	36	2	,	,	PUNCT
ejif-2758	36	3	increasing	increase	VERB
ejif-2758	36	4	of	of	ADP
ejif-2758	36	5	npf	npf	NOUN
ejif-2758	36	6	become	become	VERB
ejif-2758	36	7	critical	critical	ADJ
ejif-2758	36	8	for	for	SCONJ
ejif-2758	36	9	islamic	islamic	ADJ
ejif-2758	36	10	microfinance	microfinance	NOUN
ejif-2758	36	11	services	service	NOUN
ejif-2758	36	12	providers	provider	NOUN
ejif-2758	36	13	to	to	PART
ejif-2758	36	14	work	work	VERB
ejif-2758	36	15	consistently	consistently	ADV
ejif-2758	36	16	on	on	ADP
ejif-2758	36	17	the	the	DET
ejif-2758	36	18	improvement	improvement	NOUN
ejif-2758	36	19	of	of	ADP
ejif-2758	36	20	screening	screening	NOUN
ejif-2758	36	21	,	,	PUNCT
ejif-2758	36	22	monitoring	monitoring	NOUN
ejif-2758	36	23	,	,	PUNCT
ejif-2758	36	24	and	and	CCONJ
ejif-2758	36	25	enforce	enforce	VERB
ejif-2758	36	26	collection	collection	NOUN
ejif-2758	36	27	(	(	PUNCT
ejif-2758	36	28	figure	figure	NOUN
ejif-2758	36	29	1	1	NUM
ejif-2758	36	30	)	)	PUNCT
ejif-2758	36	31	figure	figure	NOUN
ejif-2758	36	32	1	1	NUM
ejif-2758	36	33	.	.	PUNCT
ejif-2758	36	34	npf	npf	PROPN
ejif-2758	36	35	/	/	SYM
ejif-2758	36	36	l	l	PROPN
ejif-2758	36	37	of	of	ADP
ejif-2758	36	38	islamic	islamic	PROPN
ejif-2758	36	39	bank	bank	PROPN
ejif-2758	36	40	vs	vs	ADP
ejif-2758	36	41	npf	npf	PROPN
ejif-2758	36	42	/	/	SYM
ejif-2758	36	43	l	l	NOUN
ejif-2758	36	44	of	of	ADP
ejif-2758	36	45	conventional	conventional	ADJ
ejif-2758	36	46	bank	bank	NOUN
ejif-2758	36	47	1,42	1,42	NOUN
ejif-2758	36	48	4,01	4,01	NUM
ejif-2758	37	1	3,02	3,02	NUM
ejif-2758	37	2	2,52	2,52	NUM
ejif-2758	37	3	2,22	2,22	NUM
ejif-2758	37	4	2,62	2,62	NUM
ejif-2758	37	5	4,95	4,95	NUM
ejif-2758	37	6	4,84	4,84	NOUN
ejif-2758	37	7	3,20	3,20	NUM
ejif-2758	37	8	3,31	3,31	NUM
ejif-2758	37	9	2,56	2,56	NUM
ejif-2758	37	10	2,17	2,17	NUM
ejif-2758	37	11	1,87	1,87	NUM
ejif-2758	37	12	1,77	1,77	NUM
ejif-2758	37	13	2,16	2,16	NUM
ejif-2758	37	14	2,39	2,39	NOUN
ejif-2758	37	15	2008	2008	NUM
ejif-2758	37	16	2009	2009	NUM
ejif-2758	37	17	2010	2010	NUM
ejif-2758	37	18	2011	2011	NUM
ejif-2758	37	19	2012	2012	NUM
ejif-2758	37	20	2013	2013	NUM
ejif-2758	37	21	2014	2014	NUM
ejif-2758	37	22	2015	2015	NUM
ejif-2758	37	23	graphic	graphic	ADJ
ejif-2758	37	24	7	7	NUM
ejif-2758	37	25	npf	npf	NOUN
ejif-2758	37	26	of	of	ADP
ejif-2758	37	27	islamic	islamic	PROPN
ejif-2758	37	28	bank	bank	PROPN
ejif-2758	37	29	vs	vs	ADP
ejif-2758	37	30	npf	npf	NOUN
ejif-2758	37	31	of	of	ADP
ejif-2758	37	32	conventional	conventional	ADJ
ejif-2758	37	33	bank	bank	NOUN
ejif-2758	37	34	npf	npf	PROPN
ejif-2758	37	35	gross	gross	PROPN
ejif-2758	37	36	islamic	islamic	PROPN
ejif-2758	37	37	bank	bank	PROPN
ejif-2758	37	38	npf	npf	PROPN
ejif-2758	37	39	gross	gross	PROPN
ejif-2758	37	40	conventio	conventio	PROPN
ejif-2758	37	41	nal	nal	PROPN
ejif-2758	37	42	bank	bank	PROPN
ejif-2758	37	43	103,65	103,65	PROPN
ejif-2758	37	44	95,49	95,49	ADJ
ejif-2758	37	45	89,67	89,67	PROPN
ejif-2758	37	46	88,94	88,94	ADJ
ejif-2758	37	47	100,00	100,00	NUM
ejif-2758	37	48	100,32	100,32	NOUN
ejif-2758	37	49	86,66	86,66	NUM
ejif-2758	37	50	88,03	88,03	NUM
ejif-2758	37	51	74,58	74,58	NUM
ejif-2758	37	52	72,88	72,88	NUM
ejif-2758	37	53	75,21	75,21	NUM
ejif-2758	37	54	78,77	78,77	NUM
ejif-2758	37	55	83,58	83,58	NUM
ejif-2758	37	56	89,70	89,70	NUM
ejif-2758	37	57	89,42	89,42	NOUN
ejif-2758	37	58	92,11	92,11	NOUN
ejif-2758	37	59	2008	2008	NUM
ejif-2758	37	60	2009	2009	NUM
ejif-2758	37	61	2010	2010	NUM
ejif-2758	37	62	2011	2011	NUM
ejif-2758	37	63	2012	2012	NUM
ejif-2758	37	64	2013	2013	NUM
ejif-2758	37	65	2014	2014	NUM
ejif-2758	37	66	2015	2015	NUM
ejif-2758	37	67	graphic	graphic	NOUN
ejif-2758	37	68	6	6	NUM
ejif-2758	37	69	fdr	fdr	PROPN
ejif-2758	37	70	/	/	SYM
ejif-2758	37	71	ldr	ldr	PROPN
ejif-2758	37	72	of	of	ADP
ejif-2758	37	73	islamic	islamic	PROPN
ejif-2758	37	74	bank	bank	PROPN
ejif-2758	37	75	vs	vs	ADP
ejif-2758	37	76	fdr	fdr	PROPN
ejif-2758	37	77	/	/	SYM
ejif-2758	37	78	ldr	ldr	PROPN
ejif-2758	37	79	conventional	conventional	PROPN
ejif-2758	37	80	bank	bank	PROPN
ejif-2758	37	81	fdr	fdr	PROPN
ejif-2758	37	82	/	/	SYM
ejif-2758	37	83	ldr	ldr	PROPN
ejif-2758	37	84	islamic	islamic	PROPN
ejif-2758	37	85	bank	bank	PROPN
ejif-2758	37	86	fdr	fdr	PROPN
ejif-2758	37	87	/	/	SYM
ejif-2758	37	88	ldr	ldr	PROPN
ejif-2758	37	89	conventional	conventional	PROPN
ejif-2758	37	90	bank	bank	PROPN
ejif-2758	37	91	source	source	NOUN
ejif-2758	37	92	:	:	PUNCT
ejif-2758	37	93	bnugroho	bnugroho	PROPN
ejif-2758	37	94	et	et	PROPN
ejif-2758	38	1	al	al	PROPN
ejif-2758	38	2	.	.	PROPN
ejif-2758	38	3	,	,	PUNCT
ejif-2758	38	4	(	(	PUNCT
ejif-2758	38	5	2017	2017	NUM
ejif-2758	38	6	)	)	PUNCT
ejif-2758	38	7	the	the	DET
ejif-2758	38	8	nature	nature	NOUN
ejif-2758	38	9	of	of	ADP
ejif-2758	38	10	microfinance	microfinance	NOUN
ejif-2758	38	11	services	service	NOUN
ejif-2758	38	12	has	have	VERB
ejif-2758	38	13	a	a	DET
ejif-2758	38	14	focus	focus	NOUN
ejif-2758	38	15	on	on	ADP
ejif-2758	38	16	clients	client	NOUN
ejif-2758	38	17	who	who	PRON
ejif-2758	38	18	are	be	AUX
ejif-2758	38	19	exposed	expose	VERB
ejif-2758	38	20	to	to	ADP
ejif-2758	38	21	the	the	DET
ejif-2758	38	22	“	"	PUNCT
ejif-2758	38	23	triple	triple	ADJ
ejif-2758	38	24	whammy	whammy	NOUN
ejif-2758	38	25	”	"	PUNCT
ejif-2758	38	26	means	mean	VERB
ejif-2758	38	27	low	low	ADJ
ejif-2758	38	28	,	,	PUNCT
ejif-2758	38	29	irregular	irregular	ADJ
ejif-2758	38	30	and	and	CCONJ
ejif-2758	38	31	unpredictable	unpredictable	ADJ
ejif-2758	38	32	income	income	NOUN
ejif-2758	38	33	(	(	PUNCT
ejif-2758	38	34	collins	collins	PROPN
ejif-2758	38	35	et	et	PROPN
ejif-2758	38	36	al	al	PROPN
ejif-2758	38	37	.	.	PROPN
ejif-2758	38	38	,	,	PUNCT
ejif-2758	38	39	2009	2009	NUM
ejif-2758	38	40	)	)	PUNCT
ejif-2758	38	41	.	.	PUNCT
ejif-2758	39	1	moreover	moreover	ADV
ejif-2758	39	2	,	,	PUNCT
ejif-2758	39	3	most	most	ADJ
ejif-2758	39	4	of	of	ADP
ejif-2758	39	5	those	those	DET
ejif-2758	39	6	clients	client	NOUN
ejif-2758	39	7	do	do	AUX
ejif-2758	39	8	not	not	PART
ejif-2758	39	9	count	count	VERB
ejif-2758	39	10	with	with	ADP
ejif-2758	39	11	fixed	fix	VERB
ejif-2758	39	12	assets	asset	NOUN
ejif-2758	39	13	which	which	PRON
ejif-2758	39	14	in	in	ADP
ejif-2758	39	15	conventional	conventional	ADJ
ejif-2758	39	16	financial	financial	ADJ
ejif-2758	39	17	institutions	institution	NOUN
ejif-2758	39	18	are	be	AUX
ejif-2758	39	19	used	use	VERB
ejif-2758	39	20	as	as	ADP
ejif-2758	39	21	collateral	collateral	NOUN
ejif-2758	39	22	.	.	PUNCT
ejif-2758	40	1	so	so	ADV
ejif-2758	40	2	,	,	PUNCT
ejif-2758	40	3	for	for	ADP
ejif-2758	40	4	mfis	mfis	ADJ
ejif-2758	40	5	work	work	NOUN
ejif-2758	40	6	with	with	ADP
ejif-2758	40	7	this	this	DET
ejif-2758	40	8	segment	segment	NOUN
ejif-2758	40	9	of	of	ADP
ejif-2758	40	10	customers	customer	NOUN
ejif-2758	40	11	implies	imply	VERB
ejif-2758	40	12	high	high	ADJ
ejif-2758	40	13	risk	risk	NOUN
ejif-2758	40	14	.	.	PUNCT
ejif-2758	41	1	therefore	therefore	ADV
ejif-2758	41	2	to	to	PART
ejif-2758	41	3	anticipate	anticipate	VERB
ejif-2758	41	4	the	the	DET
ejif-2758	41	5	high	high	NOUN
ejif-2758	41	6	of	of	ADP
ejif-2758	41	7	npf	npf	NOUN
ejif-2758	41	8	,	,	PUNCT
ejif-2758	41	9	monitoring	monitoring	NOUN
ejif-2758	41	10	practices	practice	NOUN
ejif-2758	41	11	have	have	VERB
ejif-2758	41	12	a	a	DET
ejif-2758	41	13	significant	significant	ADJ
ejif-2758	41	14	role	role	NOUN
ejif-2758	41	15	in	in	ADP
ejif-2758	41	16	the	the	DET
ejif-2758	41	17	quality	quality	NOUN
ejif-2758	41	18	of	of	ADP
ejif-2758	41	19	the	the	DET
ejif-2758	41	20	portfolio	portfolio	NOUN
ejif-2758	41	21	,	,	PUNCT
ejif-2758	41	22	as	as	ADP
ejif-2758	41	23	a	a	DET
ejif-2758	41	24	part	part	NOUN
ejif-2758	41	25	of	of	ADP
ejif-2758	41	26	the	the	DET
ejif-2758	41	27	risk	risk	NOUN
ejif-2758	41	28	management	management	NOUN
ejif-2758	41	29	actions	action	NOUN
ejif-2758	41	30	.	.	PUNCT
ejif-2758	42	1	monitoring	monitoring	NOUN
ejif-2758	42	2	embeds	embed	VERB
ejif-2758	42	3	in	in	ADP
ejif-2758	42	4	the	the	DET
ejif-2758	42	5	credit	credit	NOUN
ejif-2758	42	6	cycle	cycle	NOUN
ejif-2758	42	7	and	and	CCONJ
ejif-2758	42	8	to	to	PART
ejif-2758	42	9	anticipate	anticipate	VERB
ejif-2758	42	10	the	the	DET
ejif-2758	42	11	default	default	NOUN
ejif-2758	42	12	by	by	ADP
ejif-2758	42	13	detecting	detect	VERB
ejif-2758	42	14	early	early	ADJ
ejif-2758	42	15	sign	sign	NOUN
ejif-2758	42	16	of	of	ADP
ejif-2758	42	17	bad	bad	ADJ
ejif-2758	42	18	debt	debt	NOUN
ejif-2758	42	19	(	(	PUNCT
ejif-2758	42	20	churchill	churchill	PROPN
ejif-2758	42	21	&	&	CCONJ
ejif-2758	42	22	coster	coster	PROPN
ejif-2758	42	23	,	,	PUNCT
ejif-2758	42	24	2001	2001	NUM
ejif-2758	42	25	)	)	PUNCT
ejif-2758	42	26	.	.	PUNCT
ejif-2758	43	1	ii	ii	PROPN
ejif-2758	43	2	.	.	PUNCT
ejif-2758	43	3	methodology	methodology	PROPN
ejif-2758	43	4	regarding	regard	VERB
ejif-2758	43	5	hulme	hulme	PROPN
ejif-2758	43	6	(	(	PUNCT
ejif-2758	43	7	2000	2000	NUM
ejif-2758	43	8	)	)	PUNCT
ejif-2758	43	9	that	that	PRON
ejif-2758	43	10	stresses	stress	VERB
ejif-2758	43	11	the	the	DET
ejif-2758	43	12	advantages	advantage	NOUN
ejif-2758	43	13	of	of	ADP
ejif-2758	43	14	qualitative	qualitative	ADJ
ejif-2758	43	15	research	research	NOUN
ejif-2758	43	16	to	to	PART
ejif-2758	43	17	get	get	VERB
ejif-2758	43	18	depth	depth	NOUN
ejif-2758	43	19	information	information	NOUN
ejif-2758	43	20	that	that	PRON
ejif-2758	43	21	quantitative	quantitative	ADJ
ejif-2758	43	22	methods	method	NOUN
ejif-2758	43	23	can	can	AUX
ejif-2758	43	24	not	not	PART
ejif-2758	43	25	achieve	achieve	VERB
ejif-2758	43	26	.	.	PUNCT
ejif-2758	44	1	therefore	therefore	ADV
ejif-2758	44	2	,	,	PUNCT
ejif-2758	44	3	the	the	DET
ejif-2758	44	4	study	study	NOUN
ejif-2758	44	5	was	be	AUX
ejif-2758	44	6	conducted	conduct	VERB
ejif-2758	44	7	in	in	ADP
ejif-2758	44	8	the	the	DET
ejif-2758	44	9	qualitative	qualitative	ADJ
ejif-2758	44	10	method	method	NOUN
ejif-2758	44	11	that	that	PRON
ejif-2758	44	12	located	locate	VERB
ejif-2758	44	13	in	in	ADP
ejif-2758	44	14	two	two	NUM
ejif-2758	44	15	bsm	bsm	NOUN
ejif-2758	44	16	branches	branch	NOUN
ejif-2758	44	17	were	be	AUX
ejif-2758	44	18	developed	develop	VERB
ejif-2758	44	19	focus	focus	NOUN
ejif-2758	44	20	group	group	NOUN
ejif-2758	44	21	discussion	discussion	NOUN
ejif-2758	44	22	(	(	PUNCT
ejif-2758	44	23	fgd	fgd	PROPN
ejif-2758	44	24	)	)	PUNCT
ejif-2758	44	25	among	among	ADP
ejif-2758	44	26	the	the	DET
ejif-2758	44	27	micro	micro	ADJ
ejif-2758	44	28	banking	banking	NOUN
ejif-2758	44	29	team	team	NOUN
ejif-2758	44	30	(	(	PUNCT
ejif-2758	44	31	loan	loan	NOUN
ejif-2758	44	32	officers	officer	NOUN
ejif-2758	44	33	,	,	PUNCT
ejif-2758	44	34	micro	micro	NOUN
ejif-2758	44	35	-	-	NOUN
ejif-2758	44	36	manager	manager	NOUN
ejif-2758	44	37	,	,	PUNCT
ejif-2758	44	38	administrative	administrative	ADJ
ejif-2758	44	39	,	,	PUNCT
ejif-2758	44	40	risk	risk	NOUN
ejif-2758	44	41	analyst	analyst	NOUN
ejif-2758	44	42	)	)	PUNCT
ejif-2758	44	43	.	.	PUNCT
ejif-2758	45	1	to	to	PART
ejif-2758	45	2	collect	collect	VERB
ejif-2758	45	3	information	information	NOUN
ejif-2758	45	4	related	relate	VERB
ejif-2758	45	5	to	to	ADP
ejif-2758	45	6	the	the	DET
ejif-2758	45	7	monitoring	monitoring	NOUN
ejif-2758	45	8	mechanism	mechanism	NOUN
ejif-2758	45	9	for	for	ADP
ejif-2758	45	10	the	the	DET
ejif-2758	45	11	clients	client	NOUN
ejif-2758	45	12	in	in	ADP
ejif-2758	45	13	arrears	arrear	NOUN
ejif-2758	45	14	,	,	PUNCT
ejif-2758	45	15	and	and	CCONJ
ejif-2758	45	16	the	the	DET
ejif-2758	45	17	main	main	ADJ
ejif-2758	45	18	differences	difference	NOUN
ejif-2758	45	19	between	between	ADP
ejif-2758	45	20	conventional	conventional	ADJ
ejif-2758	45	21	and	and	CCONJ
ejif-2758	45	22	islamic	islamic	ADJ
ejif-2758	45	23	practices	practice	NOUN
ejif-2758	45	24	.	.	PUNCT
ejif-2758	46	1	furthermore	furthermore	ADV
ejif-2758	46	2	,	,	PUNCT
ejif-2758	46	3	it	it	PRON
ejif-2758	46	4	was	be	AUX
ejif-2758	46	5	also	also	ADV
ejif-2758	46	6	conducted	conduct	VERB
ejif-2758	46	7	interviews	interview	NOUN
ejif-2758	46	8	with	with	ADP
ejif-2758	46	9	the	the	DET
ejif-2758	46	10	branch	branch	NOUN
ejif-2758	46	11	managers	manager	NOUN
ejif-2758	46	12	to	to	PART
ejif-2758	46	13	collect	collect	VERB
ejif-2758	46	14	information	information	NOUN
ejif-2758	46	15	about	about	ADP
ejif-2758	46	16	the	the	DET
ejif-2758	46	17	role	role	NOUN
ejif-2758	46	18	that	that	PRON
ejif-2758	46	19	they	they	PRON
ejif-2758	46	20	play	play	VERB
ejif-2758	46	21	in	in	ADP
ejif-2758	46	22	the	the	DET
ejif-2758	46	23	npf	npf	NOUN
ejif-2758	46	24	(	(	PUNCT
ejif-2758	46	25	same	same	ADJ
ejif-2758	46	26	as	as	ADP
ejif-2758	46	27	npl	npl	NOUN
ejif-2758	46	28	)	)	PUNCT
ejif-2758	46	29	performance	performance	NOUN
ejif-2758	46	30	.	.	PUNCT
ejif-2758	47	1	also	also	ADV
ejif-2758	47	2	,	,	PUNCT
ejif-2758	47	3	bsm	bsm	PROPN
ejif-2758	47	4	provided	provide	VERB
ejif-2758	47	5	data	datum	NOUN
ejif-2758	47	6	such	such	ADJ
ejif-2758	47	7	as	as	ADP
ejif-2758	47	8	annual	annual	ADJ
ejif-2758	47	9	report	report	NOUN
ejif-2758	47	10	,	,	PUNCT
ejif-2758	47	11	micro	micro	ADJ
ejif-2758	47	12	strategies	strategy	NOUN
ejif-2758	47	13	,	,	PUNCT
ejif-2758	47	14	and	and	CCONJ
ejif-2758	47	15	organizational	organizational	ADJ
ejif-2758	47	16	structure	structure	NOUN
ejif-2758	47	17	of	of	ADP
ejif-2758	47	18	micro	micro	PROPN
ejif-2758	47	19	banking	banking	NOUN
ejif-2758	47	20	,	,	PUNCT
ejif-2758	47	21	that	that	PRON
ejif-2758	47	22	supported	support	VERB
ejif-2758	47	23	the	the	DET
ejif-2758	47	24	research	research	NOUN
ejif-2758	47	25	.	.	PUNCT
ejif-2758	48	1	the	the	DET
ejif-2758	48	2	research	research	NOUN
ejif-2758	48	3	mechanism	mechanism	NOUN
ejif-2758	48	4	is	be	AUX
ejif-2758	48	5	going	go	VERB
ejif-2758	48	6	to	to	ADP
ejif-2758	48	7	implementing	implement	VERB
ejif-2758	48	8	as	as	ADP
ejif-2758	48	9	in	in	ADP
ejif-2758	48	10	figure	figure	NOUN
ejif-2758	48	11	2	2	NUM
ejif-2758	48	12	.	.	PUNCT
ejif-2758	49	1	flowchart	flowchart	NOUN
ejif-2758	49	2	below	below	ADV
ejif-2758	49	3	:	:	PUNCT
ejif-2758	49	4	figure	figure	NOUN
ejif-2758	49	5	2	2	NUM
ejif-2758	49	6	.	.	PUNCT
ejif-2758	49	7	research	research	NOUN
ejif-2758	49	8	mechanism	mechanism	NOUN
ejif-2758	49	9	flowchart	flowchart	NOUN
ejif-2758	49	10	start	start	VERB
ejif-2758	49	11	identification	identification	NOUN
ejif-2758	49	12	problems	problem	NOUN
ejif-2758	49	13	:	:	PUNCT
ejif-2758	50	1	1	1	X
ejif-2758	50	2	.	.	X
ejif-2758	50	3	how	how	SCONJ
ejif-2758	50	4	the	the	DET
ejif-2758	50	5	mechanism	mechanism	NOUN
ejif-2758	50	6	of	of	ADP
ejif-2758	50	7	monitoring	monitoring	NOUN
ejif-2758	50	8	in	in	ADP
ejif-2758	50	9	the	the	DET
ejif-2758	50	10	islamic	islamic	ADJ
ejif-2758	50	11	microfinance	microfinance	NOUN
ejif-2758	50	12	for	for	ADP
ejif-2758	50	13	the	the	DET
ejif-2758	50	14	nonperforming	nonperforme	VERB
ejif-2758	50	15	financing	financing	NOUN
ejif-2758	50	16	(	(	PUNCT
ejif-2758	50	17	npf	npf	PROPN
ejif-2758	50	18	)	)	PUNCT
ejif-2758	50	19	?	?	PUNCT
ejif-2758	51	1	2	2	X
ejif-2758	51	2	.	.	X
ejif-2758	52	1	what	what	PRON
ejif-2758	52	2	the	the	DET
ejif-2758	52	3	role	role	NOUN
ejif-2758	52	4	of	of	ADP
ejif-2758	52	5	branch	branch	NOUN
ejif-2758	52	6	manager	manager	NOUN
ejif-2758	52	7	to	to	PART
ejif-2758	52	8	ensure	ensure	VERB
ejif-2758	52	9	the	the	DET
ejif-2758	52	10	quality	quality	NOUN
ejif-2758	52	11	of	of	ADP
ejif-2758	52	12	non	non	ADJ
ejif-2758	52	13	-	-	ADJ
ejif-2758	52	14	performing	perform	VERB
ejif-2758	52	15	financing	financing	NOUN
ejif-2758	52	16	?	?	PUNCT
ejif-2758	53	1	3	3	X
ejif-2758	53	2	.	.	X
ejif-2758	54	1	what	what	PRON
ejif-2758	54	2	the	the	DET
ejif-2758	54	3	differences	difference	NOUN
ejif-2758	54	4	between	between	ADP
ejif-2758	54	5	conventional	conventional	ADJ
ejif-2758	54	6	and	and	CCONJ
ejif-2758	54	7	islamic	islamic	ADJ
ejif-2758	54	8	microfinance	microfinance	NOUN
ejif-2758	54	9	treatment	treatment	NOUN
ejif-2758	54	10	to	to	ADP
ejif-2758	54	11	their	their	PRON
ejif-2758	54	12	bad	bad	ADJ
ejif-2758	54	13	clients	client	NOUN
ejif-2758	54	14	?	?	PUNCT
ejif-2758	55	1	literature	literature	NOUN
ejif-2758	55	2	review	review	VERB
ejif-2758	55	3	primary	primary	ADJ
ejif-2758	55	4	data	datum	NOUN
ejif-2758	55	5	that	that	PRON
ejif-2758	55	6	supported	support	VERB
ejif-2758	55	7	by	by	ADP
ejif-2758	55	8	secondary	secondary	ADJ
ejif-2758	55	9	data	datum	NOUN
ejif-2758	55	10	data	datum	NOUN
ejif-2758	55	11	collection	collection	NOUN
ejif-2758	55	12	and	and	CCONJ
ejif-2758	55	13	sampling	sample	VERB
ejif-2758	55	14	method	method	NOUN
ejif-2758	55	15	discussion	discussion	NOUN
ejif-2758	55	16	conclusion	conclusion	NOUN
ejif-2758	55	17	finish	finish	VERB
ejif-2758	55	18	ejif	ejif	PROPN
ejif-2758	55	19	–	–	PUNCT
ejif-2758	55	20	european	european	PROPN
ejif-2758	55	21	journal	journal	PROPN
ejif-2758	55	22	of	of	ADP
ejif-2758	55	23	islamic	islamic	PROPN
ejif-2758	55	24	finance	finance	PROPN
ejif-2758	55	25	no11	no11	PROPN
ejif-2758	55	26	,	,	PUNCT
ejif-2758	55	27	december	december	PROPN
ejif-2758	55	28	(	(	PUNCT
ejif-2758	55	29	2018	2018	NUM
ejif-2758	55	30	)	)	PUNCT
ejif-2758	56	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	56	2	issn	issn	VERB
ejif-2758	56	3	2421	2421	NUM
ejif-2758	56	4	-	-	SYM
ejif-2758	56	5	2172	2172	NUM
ejif-2758	56	6	3	3	NUM
ejif-2758	56	7	source	source	NOUN
ejif-2758	56	8	:	:	PUNCT
ejif-2758	56	9	own	own	VERB
ejif-2758	56	10	the	the	DET
ejif-2758	56	11	data	datum	NOUN
ejif-2758	56	12	was	be	AUX
ejif-2758	56	13	collected	collect	VERB
ejif-2758	56	14	from	from	ADP
ejif-2758	56	15	two	two	NUM
ejif-2758	56	16	branches	branch	NOUN
ejif-2758	56	17	that	that	PRON
ejif-2758	56	18	historically	historically	ADV
ejif-2758	56	19	have	have	VERB
ejif-2758	56	20	different	different	ADJ
ejif-2758	56	21	performance	performance	NOUN
ejif-2758	56	22	regarding	regard	VERB
ejif-2758	56	23	npf	npf	NOUN
ejif-2758	56	24	thus	thus	ADV
ejif-2758	56	25	through	through	ADP
ejif-2758	56	26	a	a	DET
ejif-2758	56	27	comparison	comparison	NOUN
ejif-2758	56	28	analysis	analysis	NOUN
ejif-2758	56	29	also	also	ADV
ejif-2758	56	30	it	it	PRON
ejif-2758	56	31	was	be	AUX
ejif-2758	56	32	possible	possible	ADJ
ejif-2758	56	33	to	to	PART
ejif-2758	56	34	find	find	VERB
ejif-2758	56	35	both	both	CCONJ
ejif-2758	56	36	good	good	ADJ
ejif-2758	56	37	and	and	CCONJ
ejif-2758	56	38	bad	bad	ADJ
ejif-2758	56	39	practices	practice	NOUN
ejif-2758	56	40	.	.	PUNCT
ejif-2758	57	1	the	the	DET
ejif-2758	57	2	final	final	ADJ
ejif-2758	57	3	insights	insight	NOUN
ejif-2758	57	4	were	be	AUX
ejif-2758	57	5	used	use	VERB
ejif-2758	57	6	to	to	PART
ejif-2758	57	7	develop	develop	VERB
ejif-2758	57	8	recommended	recommend	VERB
ejif-2758	57	9	strategies	strategy	NOUN
ejif-2758	57	10	that	that	PRON
ejif-2758	57	11	might	might	AUX
ejif-2758	57	12	enhance	enhance	VERB
ejif-2758	57	13	the	the	DET
ejif-2758	57	14	current	current	ADJ
ejif-2758	57	15	operations	operation	NOUN
ejif-2758	57	16	in	in	ADP
ejif-2758	57	17	both	both	DET
ejif-2758	57	18	branches	branch	NOUN
ejif-2758	57	19	.	.	PUNCT
ejif-2758	58	1	the	the	DET
ejif-2758	58	2	structure	structure	NOUN
ejif-2758	58	3	of	of	ADP
ejif-2758	58	4	the	the	DET
ejif-2758	58	5	questionnaires	questionnaire	NOUN
ejif-2758	58	6	strives	strive	VERB
ejif-2758	58	7	to	to	PART
ejif-2758	58	8	fulfill	fulfill	VERB
ejif-2758	58	9	the	the	DET
ejif-2758	58	10	research	research	NOUN
ejif-2758	58	11	questions	question	NOUN
ejif-2758	58	12	set	set	VERB
ejif-2758	58	13	as	as	ADP
ejif-2758	58	14	objectives	objective	NOUN
ejif-2758	58	15	:	:	PUNCT
ejif-2758	58	16	description	description	NOUN
ejif-2758	58	17	of	of	ADP
ejif-2758	58	18	the	the	DET
ejif-2758	58	19	monitoring	monitoring	NOUN
ejif-2758	58	20	mechanism	mechanism	NOUN
ejif-2758	58	21	in	in	ADP
ejif-2758	58	22	islamic	islamic	ADJ
ejif-2758	58	23	banking	banking	NOUN
ejif-2758	58	24	,	,	PUNCT
ejif-2758	58	25	find	find	VERB
ejif-2758	58	26	the	the	DET
ejif-2758	58	27	main	main	ADJ
ejif-2758	58	28	difference	difference	NOUN
ejif-2758	58	29	between	between	ADP
ejif-2758	58	30	conventional	conventional	ADJ
ejif-2758	58	31	and	and	CCONJ
ejif-2758	58	32	islamic	islamic	ADJ
ejif-2758	58	33	banking	banking	NOUN
ejif-2758	58	34	,	,	PUNCT
ejif-2758	58	35	and	and	CCONJ
ejif-2758	58	36	the	the	DET
ejif-2758	58	37	role	role	NOUN
ejif-2758	58	38	of	of	ADP
ejif-2758	58	39	the	the	DET
ejif-2758	58	40	branch	branch	NOUN
ejif-2758	58	41	manager	manager	NOUN
ejif-2758	58	42	in	in	ADP
ejif-2758	58	43	the	the	DET
ejif-2758	58	44	npf	npf	PROPN
ejif-2758	58	45	management	management	NOUN
ejif-2758	58	46	.	.	PUNCT
ejif-2758	59	1	furthermore	furthermore	ADV
ejif-2758	59	2	,	,	PUNCT
ejif-2758	59	3	the	the	DET
ejif-2758	59	4	hypothesis	hypothesis	NOUN
ejif-2758	59	5	of	of	ADP
ejif-2758	59	6	scardovi	scardovi	PROPN
ejif-2758	59	7	,	,	PUNCT
ejif-2758	59	8	(	(	PUNCT
ejif-2758	59	9	2015	2015	NUM
ejif-2758	59	10	)	)	PUNCT
ejif-2758	59	11	was	be	AUX
ejif-2758	59	12	evaluated	evaluate	VERB
ejif-2758	59	13	.	.	PUNCT
ejif-2758	60	1	this	this	DET
ejif-2758	60	2	theory	theory	NOUN
ejif-2758	60	3	sustains	sustain	VERB
ejif-2758	60	4	that	that	PRON
ejif-2758	60	5	features	feature	VERB
ejif-2758	60	6	such	such	ADJ
ejif-2758	60	7	as	as	ADP
ejif-2758	60	8	a	a	DET
ejif-2758	60	9	segment	segment	NOUN
ejif-2758	60	10	of	of	ADP
ejif-2758	60	11	the	the	DET
ejif-2758	60	12	client	client	NOUN
ejif-2758	60	13	,	,	PUNCT
ejif-2758	60	14	the	the	DET
ejif-2758	60	15	training	training	NOUN
ejif-2758	60	16	degree	degree	NOUN
ejif-2758	60	17	of	of	ADP
ejif-2758	60	18	the	the	DET
ejif-2758	60	19	staff	staff	NOUN
ejif-2758	60	20	,	,	PUNCT
ejif-2758	60	21	and	and	CCONJ
ejif-2758	60	22	macroeconomic	macroeconomic	ADJ
ejif-2758	60	23	characteristics	characteristic	NOUN
ejif-2758	60	24	have	have	VERB
ejif-2758	60	25	an	an	DET
ejif-2758	60	26	impact	impact	NOUN
ejif-2758	60	27	on	on	ADP
ejif-2758	60	28	the	the	DET
ejif-2758	60	29	npf	npf	NOUN
ejif-2758	60	30	's	's	PART
ejif-2758	60	31	behavior	behavior	NOUN
ejif-2758	60	32	.	.	PUNCT
ejif-2758	61	1	therefore	therefore	ADV
ejif-2758	61	2	,	,	PUNCT
ejif-2758	61	3	as	as	ADP
ejif-2758	61	4	an	an	DET
ejif-2758	61	5	ex	ex	NOUN
ejif-2758	61	6	-	-	NOUN
ejif-2758	61	7	ante	ante	NOUN
ejif-2758	61	8	hypothesis	hypothesis	NOUN
ejif-2758	61	9	,	,	PUNCT
ejif-2758	61	10	the	the	DET
ejif-2758	61	11	study	study	NOUN
ejif-2758	61	12	considers	consider	VERB
ejif-2758	61	13	that	that	SCONJ
ejif-2758	61	14	npf	npf	PROPN
ejif-2758	61	15	performance	performance	NOUN
ejif-2758	61	16	relies	rely	VERB
ejif-2758	61	17	on	on	ADP
ejif-2758	61	18	both	both	CCONJ
ejif-2758	61	19	internal	internal	ADJ
ejif-2758	61	20	and	and	CCONJ
ejif-2758	61	21	external	external	ADJ
ejif-2758	61	22	factors	factor	NOUN
ejif-2758	61	23	(	(	PUNCT
ejif-2758	61	24	scardovi	scardovi	NOUN
ejif-2758	61	25	,	,	PUNCT
ejif-2758	61	26	2015	2015	NUM
ejif-2758	61	27	)	)	PUNCT
ejif-2758	61	28	.	.	PUNCT
ejif-2758	62	1	a.	a.	PROPN
ejif-2758	62	2	forum	forum	PROPN
ejif-2758	62	3	group	group	PROPN
ejif-2758	62	4	discussion	discussion	NOUN
ejif-2758	62	5	(	(	PUNCT
ejif-2758	62	6	fgd	fgd	PROPN
ejif-2758	62	7	)	)	PUNCT
ejif-2758	62	8	the	the	DET
ejif-2758	62	9	questionnaire	questionnaire	NOUN
ejif-2758	62	10	1	1	NUM
ejif-2758	62	11	(	(	PUNCT
ejif-2758	62	12	one	one	NUM
ejif-2758	62	13	)	)	PUNCT
ejif-2758	62	14	was	be	AUX
ejif-2758	62	15	used	use	VERB
ejif-2758	62	16	as	as	ADP
ejif-2758	62	17	a	a	DET
ejif-2758	62	18	guide	guide	NOUN
ejif-2758	62	19	to	to	PART
ejif-2758	62	20	conduct	conduct	VERB
ejif-2758	62	21	the	the	DET
ejif-2758	62	22	fgd	fgd	PROPN
ejif-2758	62	23	between	between	ADP
ejif-2758	62	24	the	the	DET
ejif-2758	62	25	micro	micro	PROPN
ejif-2758	62	26	banking	banking	NOUN
ejif-2758	62	27	team	team	NOUN
ejif-2758	62	28	(	(	PUNCT
ejif-2758	62	29	loan	loan	NOUN
ejif-2758	62	30	officers	officer	NOUN
ejif-2758	62	31	,	,	PUNCT
ejif-2758	62	32	micro	micro	ADJ
ejif-2758	62	33	banking	banking	NOUN
ejif-2758	62	34	area	area	NOUN
ejif-2758	62	35	manager	manager	NOUN
ejif-2758	62	36	,	,	PUNCT
ejif-2758	62	37	administrative	administrative	ADJ
ejif-2758	62	38	,	,	PUNCT
ejif-2758	62	39	risk	risk	NOUN
ejif-2758	62	40	analyst	analyst	NOUN
ejif-2758	62	41	)	)	PUNCT
ejif-2758	62	42	and	and	CCONJ
ejif-2758	62	43	the	the	DET
ejif-2758	62	44	researcher	researcher	NOUN
ejif-2758	62	45	.	.	PUNCT
ejif-2758	63	1	the	the	DET
ejif-2758	63	2	questionnaire	questionnaire	NOUN
ejif-2758	63	3	considered	consider	VERB
ejif-2758	63	4	two	two	NUM
ejif-2758	63	5	parts	part	NOUN
ejif-2758	63	6	;	;	PUNCT
ejif-2758	63	7	the	the	DET
ejif-2758	63	8	first	first	ADJ
ejif-2758	63	9	one	one	NOUN
ejif-2758	63	10	pursued	pursue	VERB
ejif-2758	63	11	to	to	PART
ejif-2758	63	12	understand	understand	VERB
ejif-2758	63	13	the	the	DET
ejif-2758	63	14	internal	internal	ADJ
ejif-2758	63	15	performance	performance	NOUN
ejif-2758	63	16	inside	inside	ADP
ejif-2758	63	17	the	the	DET
ejif-2758	63	18	micro	micro	PROPN
ejif-2758	63	19	banking	banking	PROPN
ejif-2758	63	20	area	area	NOUN
ejif-2758	63	21	,	,	PUNCT
ejif-2758	63	22	and	and	CCONJ
ejif-2758	63	23	the	the	DET
ejif-2758	63	24	second	second	ADJ
ejif-2758	63	25	one	one	NOUN
ejif-2758	63	26	was	be	AUX
ejif-2758	63	27	oriented	orient	VERB
ejif-2758	63	28	to	to	PART
ejif-2758	63	29	describe	describe	VERB
ejif-2758	63	30	the	the	DET
ejif-2758	63	31	monitoring	monitoring	NOUN
ejif-2758	63	32	mechanism	mechanism	NOUN
ejif-2758	63	33	.	.	PUNCT
ejif-2758	64	1	the	the	DET
ejif-2758	64	2	questionnaire	questionnaire	NOUN
ejif-2758	64	3	as	as	SCONJ
ejif-2758	64	4	follows	follow	VERB
ejif-2758	64	5	:	:	PUNCT
ejif-2758	64	6	questionaire	questionaire	NOUN
ejif-2758	64	7	1	1	NUM
ejif-2758	64	8	:	:	PUNCT
ejif-2758	64	9	the	the	DET
ejif-2758	64	10	guidance	guidance	NOUN
ejif-2758	64	11	questions	question	NOUN
ejif-2758	64	12	for	for	ADP
ejif-2758	64	13	fdg	fdg	NOUN
ejif-2758	64	14	with	with	ADP
ejif-2758	64	15	the	the	DET
ejif-2758	64	16	loan	loan	NOUN
ejif-2758	64	17	officer	officer	NOUN
ejif-2758	64	18	for	for	ADP
ejif-2758	64	19	exploring	explore	VERB
ejif-2758	64	20	information	information	NOUN
ejif-2758	64	21	related	relate	VERB
ejif-2758	64	22	to	to	ADP
ejif-2758	64	23	micro	micro	ADJ
ejif-2758	64	24	banking	bank	VERB
ejif-2758	64	25	internal	internal	ADJ
ejif-2758	64	26	practices	practice	NOUN
ejif-2758	64	27	and	and	CCONJ
ejif-2758	64	28	the	the	DET
ejif-2758	64	29	procedures	procedure	NOUN
ejif-2758	64	30	for	for	ADP
ejif-2758	64	31	clients	client	NOUN
ejif-2758	64	32	with	with	ADP
ejif-2758	64	33	arrears	arrear	NOUN
ejif-2758	64	34	as	as	SCONJ
ejif-2758	64	35	follows	follow	VERB
ejif-2758	64	36	:	:	PUNCT
ejif-2758	65	1	1	1	X
ejif-2758	65	2	.	.	X
ejif-2758	65	3	what	what	PRON
ejif-2758	65	4	is	be	AUX
ejif-2758	65	5	the	the	DET
ejif-2758	65	6	composition	composition	NOUN
ejif-2758	65	7	of	of	ADP
ejif-2758	65	8	the	the	DET
ejif-2758	65	9	client	client	NOUN
ejif-2758	65	10	portfolio	portfolio	NOUN
ejif-2758	65	11	(	(	PUNCT
ejif-2758	65	12	%	%	INTJ
ejif-2758	65	13	employees	employee	NOUN
ejif-2758	65	14	and	and	CCONJ
ejif-2758	65	15	%	%	NOUN
ejif-2758	65	16	entrepreneurs	entrepreneur	NOUN
ejif-2758	65	17	)	)	PUNCT
ejif-2758	65	18	?	?	PUNCT
ejif-2758	66	1	2	2	X
ejif-2758	66	2	.	.	X
ejif-2758	66	3	a.	a.	NOUN
ejif-2758	67	1	how	how	SCONJ
ejif-2758	67	2	often	often	ADV
ejif-2758	67	3	do	do	AUX
ejif-2758	67	4	you	you	PRON
ejif-2758	67	5	receive	receive	VERB
ejif-2758	67	6	training	training	NOUN
ejif-2758	67	7	or	or	CCONJ
ejif-2758	67	8	workshops	workshop	NOUN
ejif-2758	67	9	to	to	PART
ejif-2758	67	10	improve	improve	VERB
ejif-2758	67	11	the	the	DET
ejif-2758	67	12	quality	quality	NOUN
ejif-2758	67	13	of	of	ADP
ejif-2758	67	14	the	the	DET
ejif-2758	67	15	services	service	NOUN
ejif-2758	67	16	delivery	delivery	NOUN
ejif-2758	67	17	?	?	PUNCT
ejif-2758	68	1	(	(	PUNCT
ejif-2758	68	2	formal	formal	ADJ
ejif-2758	68	3	)	)	PUNCT
ejif-2758	68	4	b.	b.	PROPN
ejif-2758	69	1	how	how	SCONJ
ejif-2758	69	2	often	often	ADV
ejif-2758	69	3	do	do	AUX
ejif-2758	69	4	you	you	PRON
ejif-2758	69	5	organize	organize	VERB
ejif-2758	69	6	sharing	share	VERB
ejif-2758	69	7	session	session	NOUN
ejif-2758	69	8	within	within	ADP
ejif-2758	69	9	the	the	DET
ejif-2758	69	10	staff	staff	NOUN
ejif-2758	69	11	to	to	PART
ejif-2758	69	12	improve	improve	VERB
ejif-2758	69	13	the	the	DET
ejif-2758	69	14	quality	quality	NOUN
ejif-2758	69	15	of	of	ADP
ejif-2758	69	16	the	the	DET
ejif-2758	69	17	services	service	NOUN
ejif-2758	69	18	delivery	delivery	NOUN
ejif-2758	69	19	?	?	PUNCT
ejif-2758	70	1	(	(	PUNCT
ejif-2758	70	2	informal	informal	ADJ
ejif-2758	70	3	cafe	cafe	NOUN
ejif-2758	70	4	morning	morning	NOUN
ejif-2758	70	5	,	,	PUNCT
ejif-2758	70	6	etc	etc	X
ejif-2758	70	7	.	.	X
ejif-2758	70	8	)	)	PUNCT
ejif-2758	71	1	3	3	X
ejif-2758	71	2	.	.	X
ejif-2758	71	3	how	how	SCONJ
ejif-2758	71	4	do	do	AUX
ejif-2758	71	5	you	you	PRON
ejif-2758	71	6	screen	screen	VERB
ejif-2758	71	7	the	the	DET
ejif-2758	71	8	client	client	NOUN
ejif-2758	71	9	before	before	ADP
ejif-2758	71	10	the	the	DET
ejif-2758	71	11	loan	loan	NOUN
ejif-2758	71	12	disbursement	disbursement	NOUN
ejif-2758	71	13	?	?	PUNCT
ejif-2758	72	1	therefore	therefore	ADV
ejif-2758	72	2	,	,	PUNCT
ejif-2758	72	3	what	what	PRON
ejif-2758	72	4	features	feature	VERB
ejif-2758	72	5	do	do	AUX
ejif-2758	72	6	you	you	PRON
ejif-2758	72	7	analyze	analyze	VERB
ejif-2758	72	8	in	in	ADP
ejif-2758	72	9	the	the	DET
ejif-2758	72	10	character	character	NOUN
ejif-2758	72	11	,	,	PUNCT
ejif-2758	72	12	capacity	capacity	NOUN
ejif-2758	72	13	,	,	PUNCT
ejif-2758	72	14	collateral	collateral	NOUN
ejif-2758	72	15	,	,	PUNCT
ejif-2758	72	16	capital	capital	NOUN
ejif-2758	72	17	,	,	PUNCT
ejif-2758	72	18	and	and	CCONJ
ejif-2758	72	19	conditions	condition	NOUN
ejif-2758	72	20	?	?	PUNCT
ejif-2758	73	1	4	4	X
ejif-2758	73	2	.	.	X
ejif-2758	73	3	why	why	SCONJ
ejif-2758	73	4	do	do	AUX
ejif-2758	73	5	you	you	PRON
ejif-2758	73	6	think	think	VERB
ejif-2758	73	7	that	that	SCONJ
ejif-2758	73	8	5c	5c	NOUN
ejif-2758	73	9	’s	’s	PART
ejif-2758	73	10	assessment	assessment	NOUN
ejif-2758	73	11	is	be	AUX
ejif-2758	73	12	essential	essential	ADJ
ejif-2758	73	13	for	for	ADP
ejif-2758	73	14	loan	loan	NOUN
ejif-2758	73	15	approval	approval	NOUN
ejif-2758	73	16	?	?	PUNCT
ejif-2758	74	1	5	5	X
ejif-2758	74	2	.	.	X
ejif-2758	74	3	do	do	AUX
ejif-2758	74	4	you	you	PRON
ejif-2758	74	5	think	think	VERB
ejif-2758	74	6	that	that	SCONJ
ejif-2758	74	7	the	the	DET
ejif-2758	74	8	5c	5c	NOUN
ejif-2758	74	9	’s	’s	PART
ejif-2758	74	10	elements	element	NOUN
ejif-2758	74	11	have	have	VERB
ejif-2758	74	12	to	to	PART
ejif-2758	74	13	be	be	AUX
ejif-2758	74	14	embedded	embed	VERB
ejif-2758	74	15	in	in	ADP
ejif-2758	74	16	the	the	DET
ejif-2758	74	17	credit	credit	NOUN
ejif-2758	74	18	evaluation	evaluation	NOUN
ejif-2758	74	19	process	process	NOUN
ejif-2758	74	20	?	?	PUNCT
ejif-2758	75	1	6	6	X
ejif-2758	75	2	.	.	X
ejif-2758	75	3	do	do	AUX
ejif-2758	75	4	you	you	PRON
ejif-2758	75	5	have	have	VERB
ejif-2758	75	6	a	a	DET
ejif-2758	75	7	formal	formal	ADJ
ejif-2758	75	8	manual	manual	ADJ
ejif-2758	75	9	procedure	procedure	NOUN
ejif-2758	75	10	to	to	PART
ejif-2758	75	11	manage	manage	VERB
ejif-2758	75	12	the	the	DET
ejif-2758	75	13	non	non	ADJ
ejif-2758	75	14	-	-	ADJ
ejif-2758	75	15	performing	performing	ADJ
ejif-2758	75	16	financing	financing	NOUN
ejif-2758	75	17	(	(	PUNCT
ejif-2758	75	18	npf	npf	PROPN
ejif-2758	75	19	)	)	PUNCT
ejif-2758	75	20	?	?	PUNCT
ejif-2758	76	1	7	7	X
ejif-2758	76	2	.	.	X
ejif-2758	76	3	what	what	PRON
ejif-2758	76	4	are	be	AUX
ejif-2758	76	5	the	the	DET
ejif-2758	76	6	procedures	procedure	NOUN
ejif-2758	76	7	for	for	ADP
ejif-2758	76	8	the	the	DET
ejif-2758	76	9	clients	client	NOUN
ejif-2758	76	10	with	with	ADP
ejif-2758	76	11	arrears	arrear	NOUN
ejif-2758	76	12	as	as	SCONJ
ejif-2758	76	13	follows	follow	VERB
ejif-2758	76	14	?	?	PUNCT
ejif-2758	76	15	.	.	PUNCT
ejif-2758	77	1	collectibility	collectibility	NOUN
ejif-2758	77	2	1	1	NUM
ejif-2758	77	3	collectibility	collectibility	NOUN
ejif-2758	77	4	2	2	NUM
ejif-2758	77	5	collectibilityy	collectibilityy	NOUN
ejif-2758	77	6	3	3	NUM
ejif-2758	77	7	collectibility	collectibility	NOUN
ejif-2758	77	8	4	4	NUM
ejif-2758	77	9	collectibility	collectibility	NOUN
ejif-2758	77	10	5	5	NUM
ejif-2758	77	11	describe	describe	VERB
ejif-2758	77	12	the	the	DET
ejif-2758	77	13	handling	handling	NOUN
ejif-2758	77	14	of	of	ADP
ejif-2758	77	15	arrears	arrear	NOUN
ejif-2758	77	16	account	account	NOUN
ejif-2758	77	17	?	?	PUNCT
ejif-2758	78	1	financing	financing	NOUN
ejif-2758	78	2	at	at	ADP
ejif-2758	78	3	risk	risk	NOUN
ejif-2758	78	4	(	(	PUNCT
ejif-2758	78	5	far	far	ADV
ejif-2758	78	6	)	)	PUNCT
ejif-2758	78	7	(	(	PUNCT
ejif-2758	78	8	30	30	NUM
ejif-2758	78	9	days-90	days-90	PROPN
ejif-2758	78	10	days	day	NOUN
ejif-2758	78	11	)	)	PUNCT
ejif-2758	78	12	financing	financing	NOUN
ejif-2758	78	13	at	at	ADP
ejif-2758	78	14	risk	risk	NOUN
ejif-2758	78	15	(	(	PUNCT
ejif-2758	78	16	far	far	ADV
ejif-2758	78	17	)	)	PUNCT
ejif-2758	78	18	(	(	PUNCT
ejif-2758	78	19	120	120	NUM
ejif-2758	78	20	days-180	days-180	ADJ
ejif-2758	78	21	days	day	NOUN
ejif-2758	78	22	)	)	PUNCT
ejif-2758	78	23	financing	financing	NOUN
ejif-2758	78	24	at	at	ADP
ejif-2758	78	25	risk	risk	NOUN
ejif-2758	78	26	(	(	PUNCT
ejif-2758	78	27	far	far	ADV
ejif-2758	78	28	)	)	PUNCT
ejif-2758	78	29	(	(	PUNCT
ejif-2758	78	30	180	180	NUM
ejif-2758	78	31	days-270	days-270	ADJ
ejif-2758	78	32	days	day	NOUN
ejif-2758	78	33	)	)	PUNCT
ejif-2758	78	34	financing	financing	NOUN
ejif-2758	78	35	at	at	ADP
ejif-2758	78	36	risk	risk	NOUN
ejif-2758	78	37	(	(	PUNCT
ejif-2758	78	38	far	far	ADV
ejif-2758	78	39	)	)	PUNCT
ejif-2758	78	40	(	(	PUNCT
ejif-2758	78	41	>	>	SYM
ejif-2758	78	42	270	270	NUM
ejif-2758	78	43	days	day	NOUN
ejif-2758	78	44	)	)	PUNCT
ejif-2758	78	45	8	8	NUM
ejif-2758	78	46	.	.	PUNCT
ejif-2758	79	1	in	in	ADP
ejif-2758	79	2	your	your	PRON
ejif-2758	79	3	experience	experience	NOUN
ejif-2758	79	4	what	what	PRON
ejif-2758	79	5	are	be	AUX
ejif-2758	79	6	the	the	DET
ejif-2758	79	7	major	major	ADJ
ejif-2758	79	8	causes	cause	NOUN
ejif-2758	79	9	of	of	ADP
ejif-2758	79	10	default	default	NOUN
ejif-2758	79	11	among	among	ADP
ejif-2758	79	12	the	the	DET
ejif-2758	79	13	clients	client	NOUN
ejif-2758	79	14	(	(	PUNCT
ejif-2758	79	15	internal	internal	ADJ
ejif-2758	79	16	and	and	CCONJ
ejif-2758	79	17	external	external	ADJ
ejif-2758	79	18	)	)	PUNCT
ejif-2758	79	19	?	?	PUNCT
ejif-2758	80	1	9	9	X
ejif-2758	80	2	.	.	X
ejif-2758	81	1	what	what	PRON
ejif-2758	81	2	do	do	AUX
ejif-2758	81	3	you	you	PRON
ejif-2758	81	4	think	think	VERB
ejif-2758	81	5	that	that	PRON
ejif-2758	81	6	are	be	AUX
ejif-2758	81	7	the	the	DET
ejif-2758	81	8	main	main	ADJ
ejif-2758	81	9	differences	difference	NOUN
ejif-2758	81	10	between	between	ADP
ejif-2758	81	11	conventional	conventional	ADJ
ejif-2758	81	12	and	and	CCONJ
ejif-2758	81	13	islamic	islamic	ADJ
ejif-2758	81	14	banking	banking	NOUN
ejif-2758	81	15	during	during	ADP
ejif-2758	81	16	the	the	DET
ejif-2758	81	17	collection	collection	NOUN
ejif-2758	81	18	practices	practice	NOUN
ejif-2758	81	19	?	?	PUNCT
ejif-2758	82	1	b.	b.	PROPN
ejif-2758	82	2	interviews	interview	NOUN
ejif-2758	82	3	the	the	DET
ejif-2758	82	4	questionnaire	questionnaire	NOUN
ejif-2758	82	5	2	2	NUM
ejif-2758	82	6	(	(	PUNCT
ejif-2758	82	7	two	two	NUM
ejif-2758	82	8	)	)	PUNCT
ejif-2758	82	9	was	be	AUX
ejif-2758	82	10	used	use	VERB
ejif-2758	82	11	as	as	ADP
ejif-2758	82	12	a	a	DET
ejif-2758	82	13	guide	guide	NOUN
ejif-2758	82	14	to	to	ADP
ejif-2758	82	15	interviewing	interview	VERB
ejif-2758	82	16	the	the	DET
ejif-2758	82	17	branch	branch	NOUN
ejif-2758	82	18	managers	manager	NOUN
ejif-2758	82	19	and	and	CCONJ
ejif-2758	82	20	the	the	DET
ejif-2758	82	21	researcher	researcher	NOUN
ejif-2758	82	22	to	to	PART
ejif-2758	82	23	determine	determine	VERB
ejif-2758	82	24	the	the	DET
ejif-2758	82	25	role	role	NOUN
ejif-2758	82	26	of	of	ADP
ejif-2758	82	27	the	the	DET
ejif-2758	82	28	branch	branch	NOUN
ejif-2758	82	29	manager	manager	NOUN
ejif-2758	82	30	has	have	VERB
ejif-2758	82	31	in	in	ADP
ejif-2758	82	32	the	the	DET
ejif-2758	82	33	npf	npf	PROPN
ejif-2758	82	34	management	management	NOUN
ejif-2758	82	35	and	and	CCONJ
ejif-2758	82	36	the	the	DET
ejif-2758	82	37	staff	staff	NOUN
ejif-2758	82	38	performance	performance	NOUN
ejif-2758	82	39	.	.	PUNCT
ejif-2758	83	1	moreover	moreover	ADV
ejif-2758	83	2	,	,	PUNCT
ejif-2758	83	3	the	the	DET
ejif-2758	83	4	interviews	interview	NOUN
ejif-2758	83	5	were	be	AUX
ejif-2758	83	6	used	use	VERB
ejif-2758	83	7	to	to	PART
ejif-2758	83	8	reveal	reveal	VERB
ejif-2758	83	9	the	the	DET
ejif-2758	83	10	micro	micro	ADJ
ejif-2758	83	11	strategies	strategy	NOUN
ejif-2758	83	12	and	and	CCONJ
ejif-2758	83	13	also	also	ADV
ejif-2758	83	14	to	to	PART
ejif-2758	83	15	describe	describe	VERB
ejif-2758	83	16	the	the	DET
ejif-2758	83	17	segment	segment	NOUN
ejif-2758	83	18	of	of	ADP
ejif-2758	83	19	clients	client	NOUN
ejif-2758	83	20	that	that	PRON
ejif-2758	83	21	each	each	DET
ejif-2758	83	22	bsm	bsm	PROPN
ejif-2758	83	23	micro	micro	PROPN
ejif-2758	83	24	banking	banking	PROPN
ejif-2758	83	25	branch	branch	NOUN
ejif-2758	83	26	focuses	focus	VERB
ejif-2758	83	27	,	,	PUNCT
ejif-2758	83	28	the	the	DET
ejif-2758	83	29	questionnaires	questionnaire	NOUN
ejif-2758	83	30	that	that	PRON
ejif-2758	83	31	relate	relate	VERB
ejif-2758	83	32	are	be	AUX
ejif-2758	83	33	below	below	ADV
ejif-2758	83	34	:	:	PUNCT
ejif-2758	83	35	questionaire	questionaire	NOUN
ejif-2758	83	36	2	2	NUM
ejif-2758	83	37	:	:	PUNCT
ejif-2758	83	38	questionaire	questionaire	NOUN
ejif-2758	83	39	for	for	ADP
ejif-2758	83	40	the	the	DET
ejif-2758	83	41	branch	branch	NOUN
ejif-2758	83	42	manager	manager	NOUN
ejif-2758	83	43	1	1	NUM
ejif-2758	83	44	.	.	PUNCT
ejif-2758	84	1	what	what	PRON
ejif-2758	84	2	are	be	AUX
ejif-2758	84	3	the	the	DET
ejif-2758	84	4	strategies	strategy	NOUN
ejif-2758	84	5	that	that	PRON
ejif-2758	84	6	you	you	PRON
ejif-2758	84	7	apply	apply	VERB
ejif-2758	84	8	to	to	PART
ejif-2758	84	9	enhance	enhance	VERB
ejif-2758	84	10	the	the	DET
ejif-2758	84	11	performance	performance	NOUN
ejif-2758	84	12	in	in	ADP
ejif-2758	84	13	the	the	DET
ejif-2758	84	14	micro	micro	PROPN
ejif-2758	84	15	banking	banking	NOUN
ejif-2758	84	16	area	area	NOUN
ejif-2758	84	17	?	?	PUNCT
ejif-2758	85	1	2	2	X
ejif-2758	85	2	.	.	X
ejif-2758	85	3	how	how	SCONJ
ejif-2758	85	4	often	often	ADV
ejif-2758	85	5	do	do	AUX
ejif-2758	85	6	you	you	PRON
ejif-2758	85	7	organize	organize	VERB
ejif-2758	85	8	training	training	NOUN
ejif-2758	85	9	activities	activity	NOUN
ejif-2758	85	10	for	for	ADP
ejif-2758	85	11	the	the	DET
ejif-2758	85	12	staff	staff	NOUN
ejif-2758	85	13	of	of	ADP
ejif-2758	85	14	micro	micro	PROPN
ejif-2758	85	15	banking	banking	NOUN
ejif-2758	85	16	area	area	NOUN
ejif-2758	85	17	?	?	PUNCT
ejif-2758	86	1	what	what	PRON
ejif-2758	86	2	are	be	AUX
ejif-2758	86	3	the	the	DET
ejif-2758	86	4	topics	topic	NOUN
ejif-2758	86	5	?	?	PUNCT
ejif-2758	87	1	3	3	X
ejif-2758	87	2	.	.	X
ejif-2758	87	3	what	what	PRON
ejif-2758	87	4	is	be	AUX
ejif-2758	87	5	the	the	DET
ejif-2758	87	6	limit	limit	NOUN
ejif-2758	87	7	for	for	ADP
ejif-2758	87	8	npf	npf	NOUN
ejif-2758	87	9	?	?	PUNCT
ejif-2758	88	1	what	what	PRON
ejif-2758	88	2	is	be	AUX
ejif-2758	88	3	the	the	DET
ejif-2758	88	4	warning	warning	NOUN
ejif-2758	88	5	value	value	NOUN
ejif-2758	88	6	?	?	PUNCT
ejif-2758	89	1	4	4	X
ejif-2758	89	2	.	.	X
ejif-2758	89	3	what	what	PRON
ejif-2758	89	4	are	be	AUX
ejif-2758	89	5	the	the	DET
ejif-2758	89	6	characteristic	characteristic	NOUN
ejif-2758	89	7	of	of	ADP
ejif-2758	89	8	target	target	NOUN
ejif-2758	89	9	clients	client	NOUN
ejif-2758	89	10	for	for	ADP
ejif-2758	89	11	the	the	DET
ejif-2758	89	12	micro	micro	PROPN
ejif-2758	89	13	banking	banking	NOUN
ejif-2758	89	14	area	area	NOUN
ejif-2758	89	15	?	?	PUNCT
ejif-2758	90	1	5	5	X
ejif-2758	90	2	.	.	X
ejif-2758	91	1	how	how	SCONJ
ejif-2758	91	2	strong	strong	ADJ
ejif-2758	91	3	is	be	AUX
ejif-2758	91	4	the	the	DET
ejif-2758	91	5	communication	communication	NOUN
ejif-2758	91	6	between	between	ADP
ejif-2758	91	7	the	the	DET
ejif-2758	91	8	branch	branch	NOUN
ejif-2758	91	9	and	and	CCONJ
ejif-2758	91	10	headquarter	headquarter	NOUN
ejif-2758	91	11	?	?	PUNCT
ejif-2758	92	1	c.	c.	PROPN
ejif-2758	92	2	secondary	secondary	PROPN
ejif-2758	92	3	data	data	PROPN
ejif-2758	92	4	information	information	PROPN
ejif-2758	92	5	bsm	bsm	PROPN
ejif-2758	92	6	facilitated	facilitate	VERB
ejif-2758	92	7	the	the	DET
ejif-2758	92	8	access	access	NOUN
ejif-2758	92	9	to	to	ADP
ejif-2758	92	10	documents	document	NOUN
ejif-2758	92	11	that	that	PRON
ejif-2758	92	12	were	be	AUX
ejif-2758	92	13	helpful	helpful	ADJ
ejif-2758	92	14	to	to	PART
ejif-2758	92	15	support	support	VERB
ejif-2758	92	16	the	the	DET
ejif-2758	92	17	results	result	NOUN
ejif-2758	92	18	from	from	ADP
ejif-2758	92	19	the	the	DET
ejif-2758	92	20	qualitative	qualitative	ADJ
ejif-2758	92	21	methods	method	NOUN
ejif-2758	92	22	.	.	PUNCT
ejif-2758	93	1	the	the	DET
ejif-2758	93	2	annual	annual	ADJ
ejif-2758	93	3	report	report	NOUN
ejif-2758	93	4	was	be	AUX
ejif-2758	93	5	used	use	VERB
ejif-2758	93	6	to	to	PART
ejif-2758	93	7	describe	describe	VERB
ejif-2758	93	8	bsm	bsm	NOUN
ejif-2758	93	9	as	as	ADP
ejif-2758	93	10	all	all	DET
ejif-2758	93	11	islamic	islamic	PROPN
ejif-2758	93	12	bank	bank	PROPN
ejif-2758	93	13	and	and	CCONJ
ejif-2758	93	14	its	its	PRON
ejif-2758	93	15	commitment	commitment	NOUN
ejif-2758	93	16	to	to	PART
ejif-2758	93	17	pursue	pursue	VERB
ejif-2758	93	18	sustainable	sustainable	ADJ
ejif-2758	93	19	development	development	NOUN
ejif-2758	93	20	in	in	ADP
ejif-2758	93	21	indonesia	indonesia	PROPN
ejif-2758	93	22	.	.	PUNCT
ejif-2758	94	1	the	the	DET
ejif-2758	94	2	micro	micro	PROPN
ejif-2758	94	3	business	business	NOUN
ejif-2758	94	4	strategies	strategy	NOUN
ejif-2758	94	5	were	be	AUX
ejif-2758	94	6	used	use	VERB
ejif-2758	94	7	to	to	PART
ejif-2758	94	8	explain	explain	VERB
ejif-2758	94	9	the	the	DET
ejif-2758	94	10	segment	segment	NOUN
ejif-2758	94	11	orientation	orientation	NOUN
ejif-2758	94	12	of	of	ADP
ejif-2758	94	13	the	the	DET
ejif-2758	94	14	micro	micro	PROPN
ejif-2758	94	15	banking	banking	PROPN
ejif-2758	94	16	area	area	NOUN
ejif-2758	94	17	,	,	PUNCT
ejif-2758	94	18	describe	describe	VERB
ejif-2758	94	19	the	the	DET
ejif-2758	94	20	standard	standard	ADJ
ejif-2758	94	21	procedures	procedure	NOUN
ejif-2758	94	22	for	for	ADP
ejif-2758	94	23	credit	credit	NOUN
ejif-2758	94	24	processing	processing	NOUN
ejif-2758	94	25	,	,	PUNCT
ejif-2758	94	26	risk	risk	NOUN
ejif-2758	94	27	management	management	NOUN
ejif-2758	94	28	,	,	PUNCT
ejif-2758	94	29	and	and	CCONJ
ejif-2758	94	30	their	their	PRON
ejif-2758	94	31	training	training	NOUN
ejif-2758	94	32	strategies	strategy	NOUN
ejif-2758	94	33	for	for	ADP
ejif-2758	94	34	the	the	DET
ejif-2758	94	35	staff	staff	NOUN
ejif-2758	94	36	.	.	PUNCT
ejif-2758	95	1	d.	d.	PROPN
ejif-2758	95	2	forum	forum	PROPN
ejif-2758	95	3	group	group	PROPN
ejif-2758	95	4	discussion	discussion	NOUN
ejif-2758	95	5	(	(	PUNCT
ejif-2758	95	6	fgd	fgd	PROPN
ejif-2758	95	7	)	)	PUNCT
ejif-2758	95	8	observation	observation	NOUN
ejif-2758	95	9	the	the	DET
ejif-2758	95	10	principal	principal	ADJ
ejif-2758	95	11	aim	aim	NOUN
ejif-2758	95	12	of	of	ADP
ejif-2758	95	13	observation	observation	NOUN
ejif-2758	95	14	is	be	AUX
ejif-2758	95	15	to	to	PART
ejif-2758	95	16	understand	understand	VERB
ejif-2758	95	17	the	the	DET
ejif-2758	95	18	screening	screening	NOUN
ejif-2758	95	19	,	,	PUNCT
ejif-2758	95	20	monitoring	monitoring	NOUN
ejif-2758	95	21	and	and	CCONJ
ejif-2758	95	22	enforcement	enforcement	NOUN
ejif-2758	95	23	activities	activity	NOUN
ejif-2758	95	24	inside	inside	ADP
ejif-2758	95	25	the	the	DET
ejif-2758	95	26	branches	branch	NOUN
ejif-2758	95	27	through	through	ADP
ejif-2758	95	28	empirical	empirical	ADJ
ejif-2758	95	29	observation	observation	NOUN
ejif-2758	95	30	.	.	PUNCT
ejif-2758	96	1	therefore	therefore	ADV
ejif-2758	96	2	,	,	PUNCT
ejif-2758	96	3	during	during	ADP
ejif-2758	96	4	the	the	DET
ejif-2758	96	5	internship	internship	NOUN
ejif-2758	96	6	two	two	NUM
ejif-2758	96	7	weeks	week	NOUN
ejif-2758	96	8	were	be	AUX
ejif-2758	96	9	exclusively	exclusively	ADV
ejif-2758	96	10	dedicated	dedicate	VERB
ejif-2758	96	11	to	to	ADP
ejif-2758	96	12	understanding	understand	VERB
ejif-2758	96	13	the	the	DET
ejif-2758	96	14	operational	operational	ADJ
ejif-2758	96	15	mechanism	mechanism	NOUN
ejif-2758	96	16	in	in	ADP
ejif-2758	96	17	cengkareng	cengkareng	PROPN
ejif-2758	96	18	and	and	CCONJ
ejif-2758	96	19	duri	duri	PROPN
ejif-2758	96	20	kosambi	kosambi	PROPN
ejif-2758	96	21	branches	branches	PROPN
ejif-2758	96	22	units	unit	NOUN
ejif-2758	96	23	(	(	PUNCT
ejif-2758	96	24	west	west	PROPN
ejif-2758	96	25	jakarta	jakarta	PROPN
ejif-2758	96	26	,	,	PUNCT
ejif-2758	96	27	indonesia	indonesia	PROPN
ejif-2758	96	28	)	)	PUNCT
ejif-2758	96	29	.	.	PUNCT
ejif-2758	97	1	iii	iii	X
ejif-2758	97	2	.	.	PUNCT
ejif-2758	98	1	literature	literature	PROPN
ejif-2758	98	2	review	review	PROPN
ejif-2758	98	3	islam	islam	PROPN
ejif-2758	98	4	is	be	AUX
ejif-2758	98	5	a	a	DET
ejif-2758	98	6	holistic	holistic	ADJ
ejif-2758	98	7	religion	religion	NOUN
ejif-2758	98	8	.	.	PUNCT
ejif-2758	99	1	therefore	therefore	ADV
ejif-2758	99	2	,	,	PUNCT
ejif-2758	99	3	all	all	DET
ejif-2758	99	4	the	the	DET
ejif-2758	99	5	affairs	affair	NOUN
ejif-2758	99	6	of	of	ADP
ejif-2758	99	7	the	the	DET
ejif-2758	99	8	world	world	NOUN
ejif-2758	99	9	and	and	CCONJ
ejif-2758	99	10	the	the	DET
ejif-2758	99	11	hereafter	hereafter	NOUN
ejif-2758	99	12	have	have	AUX
ejif-2758	99	13	been	be	AUX
ejif-2758	99	14	described	describe	VERB
ejif-2758	99	15	in	in	ADP
ejif-2758	99	16	islam	islam	PROPN
ejif-2758	99	17	(	(	PUNCT
ejif-2758	99	18	doktoralina	doktoralina	PROPN
ejif-2758	99	19	&	&	CCONJ
ejif-2758	99	20	bahari	bahari	PROPN
ejif-2758	99	21	,	,	PUNCT
ejif-2758	99	22	2017	2017	NUM
ejif-2758	99	23	)	)	PUNCT
ejif-2758	99	24	.	.	PUNCT
ejif-2758	100	1	as	as	ADP
ejif-2758	100	2	in	in	ADP
ejif-2758	100	3	al	al	PROPN
ejif-2758	100	4	-	-	PUNCT
ejif-2758	100	5	an'am	an'am	NOUN
ejif-2758	100	6	38	38	NUM
ejif-2758	100	7	,	,	PUNCT
ejif-2758	100	8	it	it	PRON
ejif-2758	100	9	means	mean	VERB
ejif-2758	100	10	:	:	PUNCT
ejif-2758	100	11	“	"	PUNCT
ejif-2758	100	12	and	and	CCONJ
ejif-2758	100	13	there	there	PRON
ejif-2758	100	14	is	be	VERB
ejif-2758	100	15	no	no	DET
ejif-2758	100	16	creature	creature	NOUN
ejif-2758	100	17	on	on	ADP
ejif-2758	100	18	[	[	X
ejif-2758	100	19	or	or	CCONJ
ejif-2758	100	20	within	within	ADP
ejif-2758	100	21	]	]	X
ejif-2758	100	22	the	the	DET
ejif-2758	100	23	earth	earth	NOUN
ejif-2758	100	24	or	or	CCONJ
ejif-2758	100	25	bird	bird	NOUN
ejif-2758	100	26	that	that	PRON
ejif-2758	100	27	flies	fly	VERB
ejif-2758	100	28	with	with	ADP
ejif-2758	100	29	its	its	PRON
ejif-2758	100	30	wings	wing	NOUN
ejif-2758	100	31	except	except	SCONJ
ejif-2758	100	32	[	[	PUNCT
ejif-2758	100	33	that	that	SCONJ
ejif-2758	100	34	they	they	PRON
ejif-2758	100	35	are	be	AUX
ejif-2758	100	36	]	]	PUNCT
ejif-2758	100	37	communities	community	NOUN
ejif-2758	100	38	like	like	ADP
ejif-2758	100	39	you	you	PRON
ejif-2758	100	40	.	.	PUNCT
ejif-2758	101	1	we	we	PRON
ejif-2758	101	2	have	have	AUX
ejif-2758	101	3	not	not	PART
ejif-2758	101	4	neglected	neglect	VERB
ejif-2758	101	5	in	in	ADP
ejif-2758	101	6	the	the	DET
ejif-2758	101	7	register	register	NOUN
ejif-2758	101	8	a	a	DET
ejif-2758	101	9	thing	thing	NOUN
ejif-2758	101	10	.	.	PUNCT
ejif-2758	102	1	then	then	ADV
ejif-2758	102	2	unto	unto	ADP
ejif-2758	102	3	ejif	ejif	PROPN
ejif-2758	102	4	–	–	PUNCT
ejif-2758	102	5	european	european	PROPN
ejif-2758	102	6	journal	journal	PROPN
ejif-2758	102	7	of	of	ADP
ejif-2758	102	8	islamic	islamic	PROPN
ejif-2758	102	9	finance	finance	PROPN
ejif-2758	102	10	no11	no11	PROPN
ejif-2758	102	11	,	,	PUNCT
ejif-2758	102	12	december	december	PROPN
ejif-2758	102	13	(	(	PUNCT
ejif-2758	102	14	2018	2018	NUM
ejif-2758	102	15	)	)	PUNCT
ejif-2758	103	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	103	2	issn	issn	VERB
ejif-2758	103	3	2421	2421	NUM
ejif-2758	103	4	-	-	SYM
ejif-2758	103	5	2172	2172	NUM
ejif-2758	103	6	4	4	NUM
ejif-2758	103	7	their	their	PRON
ejif-2758	103	8	lord	lord	PROPN
ejif-2758	103	9	,	,	PUNCT
ejif-2758	103	10	they	they	PRON
ejif-2758	103	11	will	will	AUX
ejif-2758	103	12	be	be	AUX
ejif-2758	103	13	gathered	gather	VERB
ejif-2758	103	14	.	.	PUNCT
ejif-2758	103	15	”	"	PUNCT
ejif-2758	104	1	the	the	DET
ejif-2758	104	2	commercial	commercial	ADJ
ejif-2758	104	3	activity	activity	NOUN
ejif-2758	104	4	is	be	AUX
ejif-2758	104	5	the	the	DET
ejif-2758	104	6	nature	nature	NOUN
ejif-2758	104	7	of	of	ADP
ejif-2758	104	8	human	human	ADJ
ejif-2758	104	9	beings	being	NOUN
ejif-2758	104	10	because	because	SCONJ
ejif-2758	104	11	with	with	ADP
ejif-2758	104	12	a	a	DET
ejif-2758	104	13	human	human	ADJ
ejif-2758	104	14	endeavor	endeavor	NOUN
ejif-2758	104	15	to	to	PART
ejif-2758	104	16	fulfill	fulfill	VERB
ejif-2758	104	17	various	various	ADJ
ejif-2758	104	18	needs	need	NOUN
ejif-2758	104	19	.	.	PUNCT
ejif-2758	105	1	any	any	DET
ejif-2758	105	2	business	business	NOUN
ejif-2758	105	3	run	run	VERB
ejif-2758	105	4	by	by	ADP
ejif-2758	105	5	people	people	NOUN
ejif-2758	105	6	will	will	AUX
ejif-2758	105	7	inevitably	inevitably	ADV
ejif-2758	105	8	lead	lead	VERB
ejif-2758	105	9	to	to	ADP
ejif-2758	105	10	two	two	NUM
ejif-2758	105	11	consequences	consequence	NOUN
ejif-2758	105	12	in	in	ADP
ejif-2758	105	13	the	the	DET
ejif-2758	105	14	future	future	NOUN
ejif-2758	105	15	,	,	PUNCT
ejif-2758	105	16	namely	namely	ADV
ejif-2758	105	17	profit	profit	NOUN
ejif-2758	105	18	and	and	CCONJ
ejif-2758	105	19	loss	loss	NOUN
ejif-2758	105	20	.	.	PUNCT
ejif-2758	106	1	thus	thus	ADV
ejif-2758	106	2	the	the	DET
ejif-2758	106	3	risk	risk	NOUN
ejif-2758	106	4	itself	itself	PRON
ejif-2758	106	5	is	be	AUX
ejif-2758	106	6	a	a	DET
ejif-2758	106	7	nature	nature	NOUN
ejif-2758	106	8	that	that	PRON
ejif-2758	106	9	is	be	AUX
ejif-2758	106	10	always	always	ADV
ejif-2758	106	11	inherent	inherent	ADJ
ejif-2758	106	12	in	in	ADP
ejif-2758	106	13	human	human	ADJ
ejif-2758	106	14	life	life	NOUN
ejif-2758	106	15	.	.	PUNCT
ejif-2758	107	1	therefore	therefore	ADV
ejif-2758	107	2	islam	islam	PROPN
ejif-2758	107	3	does	do	AUX
ejif-2758	107	4	not	not	PART
ejif-2758	107	5	recognize	recognize	VERB
ejif-2758	107	6	the	the	DET
ejif-2758	107	7	existence	existence	NOUN
ejif-2758	107	8	of	of	ADP
ejif-2758	107	9	risk	risk	NOUN
ejif-2758	107	10	-	-	PUNCT
ejif-2758	107	11	free	free	ADJ
ejif-2758	107	12	business	business	NOUN
ejif-2758	107	13	transactions	transaction	NOUN
ejif-2758	107	14	.	.	PUNCT
ejif-2758	108	1	the	the	DET
ejif-2758	108	2	logical	logical	ADJ
ejif-2758	108	3	consequence	consequence	NOUN
ejif-2758	108	4	is	be	AUX
ejif-2758	108	5	the	the	DET
ejif-2758	108	6	person	person	NOUN
ejif-2758	108	7	entitled	entitle	VERB
ejif-2758	108	8	to	to	ADP
ejif-2758	108	9	profit	profit	NOUN
ejif-2758	108	10	is	be	AUX
ejif-2758	108	11	the	the	DET
ejif-2758	108	12	person	person	NOUN
ejif-2758	108	13	who	who	PRON
ejif-2758	108	14	must	must	AUX
ejif-2758	108	15	bear	bear	VERB
ejif-2758	108	16	the	the	DET
ejif-2758	108	17	loss	loss	NOUN
ejif-2758	108	18	(	(	PUNCT
ejif-2758	108	19	if	if	SCONJ
ejif-2758	108	20	it	it	PRON
ejif-2758	108	21	happens	happen	VERB
ejif-2758	108	22	)	)	PUNCT
ejif-2758	108	23	.	.	PUNCT
ejif-2758	109	1	a	a	DET
ejif-2758	109	2	trader	trader	NOUN
ejif-2758	109	3	is	be	AUX
ejif-2758	109	4	allowed	allow	VERB
ejif-2758	109	5	to	to	PART
ejif-2758	109	6	take	take	VERB
ejif-2758	109	7	advantage	advantage	NOUN
ejif-2758	109	8	of	of	ADP
ejif-2758	109	9	the	the	DET
ejif-2758	109	10	goods	good	NOUN
ejif-2758	109	11	he	he	PRON
ejif-2758	109	12	sells	sell	VERB
ejif-2758	109	13	because	because	SCONJ
ejif-2758	109	14	he	he	PRON
ejif-2758	109	15	has	have	AUX
ejif-2758	109	16	assumed	assume	VERB
ejif-2758	109	17	all	all	DET
ejif-2758	109	18	the	the	DET
ejif-2758	109	19	risks	risk	NOUN
ejif-2758	109	20	associated	associate	VERB
ejif-2758	109	21	with	with	ADP
ejif-2758	109	22	his	his	PRON
ejif-2758	109	23	merchandise	merchandise	NOUN
ejif-2758	109	24	(	(	PUNCT
ejif-2758	109	25	damage	damage	NOUN
ejif-2758	109	26	of	of	ADP
ejif-2758	109	27	property	property	NOUN
ejif-2758	109	28	before	before	ADP
ejif-2758	109	29	a	a	DET
ejif-2758	109	30	sale	sale	NOUN
ejif-2758	109	31	,	,	PUNCT
ejif-2758	109	32	loss	loss	NOUN
ejif-2758	109	33	of	of	ADP
ejif-2758	109	34	merchandise	merchandise	NOUN
ejif-2758	109	35	,	,	PUNCT
ejif-2758	109	36	unsold	unsold	ADJ
ejif-2758	109	37	and	and	CCONJ
ejif-2758	109	38	so	so	ADV
ejif-2758	109	39	on	on	ADV
ejif-2758	109	40	)	)	PUNCT
ejif-2758	109	41	.	.	PUNCT
ejif-2758	110	1	based	base	VERB
ejif-2758	110	2	on	on	ADP
ejif-2758	110	3	these	these	DET
ejif-2758	110	4	rules	rule	NOUN
ejif-2758	110	5	then	then	ADV
ejif-2758	110	6	islam	islam	PROPN
ejif-2758	110	7	prohibits	prohibit	VERB
ejif-2758	110	8	any	any	DET
ejif-2758	110	9	transactions	transaction	NOUN
ejif-2758	110	10	in	in	ADP
ejif-2758	110	11	which	which	PRON
ejif-2758	110	12	there	there	PRON
ejif-2758	110	13	is	be	VERB
ejif-2758	110	14	an	an	DET
ejif-2758	110	15	imbalance	imbalance	NOUN
ejif-2758	110	16	between	between	ADP
ejif-2758	110	17	risk	risk	NOUN
ejif-2758	110	18	and	and	CCONJ
ejif-2758	110	19	profit	profit	NOUN
ejif-2758	110	20	.	.	PUNCT
ejif-2758	111	1	in	in	ADP
ejif-2758	111	2	other	other	ADJ
ejif-2758	111	3	words	word	NOUN
ejif-2758	111	4	,	,	PUNCT
ejif-2758	111	5	islam	islam	PROPN
ejif-2758	111	6	prohibits	prohibit	VERB
ejif-2758	111	7	any	any	DET
ejif-2758	111	8	profit	profit	NOUN
ejif-2758	111	9	-	-	PUNCT
ejif-2758	111	10	making	make	VERB
ejif-2758	111	11	deal	deal	NOUN
ejif-2758	111	12	without	without	ADP
ejif-2758	111	13	any	any	DET
ejif-2758	111	14	willingness	willingness	NOUN
ejif-2758	111	15	to	to	PART
ejif-2758	111	16	bear	bear	VERB
ejif-2758	111	17	a	a	DET
ejif-2758	111	18	loss	loss	NOUN
ejif-2758	111	19	.	.	PUNCT
ejif-2758	112	1	that	that	PRON
ejif-2758	112	2	is	be	AUX
ejif-2758	112	3	why	why	SCONJ
ejif-2758	112	4	islam	islam	PROPN
ejif-2758	112	5	forbids	forbid	VERB
ejif-2758	112	6	any	any	DET
ejif-2758	112	7	additional	additional	ADJ
ejif-2758	112	8	(	(	PUNCT
ejif-2758	112	9	interest	interest	NOUN
ejif-2758	112	10	)	)	PUNCT
ejif-2758	112	11	in	in	ADP
ejif-2758	112	12	debt	debt	NOUN
ejif-2758	112	13	transactions	transaction	NOUN
ejif-2758	112	14	that	that	PRON
ejif-2758	112	15	can	can	AUX
ejif-2758	112	16	occur	occur	VERB
ejif-2758	112	17	in	in	ADP
ejif-2758	112	18	the	the	DET
ejif-2758	112	19	conventional	conventional	ADJ
ejif-2758	112	20	financial	financial	ADJ
ejif-2758	112	21	system	system	NOUN
ejif-2758	112	22	.	.	PUNCT
ejif-2758	113	1	the	the	DET
ejif-2758	113	2	lender	lender	NOUN
ejif-2758	113	3	has	have	VERB
ejif-2758	113	4	no	no	DET
ejif-2758	113	5	risk	risk	NOUN
ejif-2758	113	6	whatsoever	whatsoever	ADV
ejif-2758	113	7	for	for	ADP
ejif-2758	113	8	the	the	DET
ejif-2758	113	9	funds	fund	NOUN
ejif-2758	113	10	it	it	PRON
ejif-2758	113	11	lends	lend	VERB
ejif-2758	113	12	because	because	SCONJ
ejif-2758	113	13	islam	islam	PROPN
ejif-2758	113	14	requires	require	VERB
ejif-2758	113	15	each	each	DET
ejif-2758	113	16	borrower	borrower	NOUN
ejif-2758	113	17	to	to	PART
ejif-2758	113	18	pay	pay	VERB
ejif-2758	113	19	off	off	ADP
ejif-2758	113	20	his	his	PRON
ejif-2758	113	21	debt	debt	NOUN
ejif-2758	113	22	.	.	PUNCT
ejif-2758	114	1	therefore	therefore	ADV
ejif-2758	114	2	,	,	PUNCT
ejif-2758	114	3	any	any	DET
ejif-2758	114	4	additional	additional	ADJ
ejif-2758	114	5	debt	debt	NOUN
ejif-2758	114	6	repayments	repayment	NOUN
ejif-2758	114	7	are	be	AUX
ejif-2758	114	8	considered	consider	VERB
ejif-2758	114	9	usury	usury	ADJ
ejif-2758	114	10	.	.	PUNCT
ejif-2758	115	1	the	the	DET
ejif-2758	115	2	principle	principle	NOUN
ejif-2758	115	3	of	of	ADP
ejif-2758	115	4	risk	risk	NOUN
ejif-2758	115	5	management	management	NOUN
ejif-2758	115	6	in	in	ADP
ejif-2758	115	7	islamic	islamic	PROPN
ejif-2758	115	8	perspective	perspective	NOUN
ejif-2758	115	9	is	be	AUX
ejif-2758	115	10	“	"	PUNCT
ejif-2758	115	11	al	al	PROPN
ejif-2758	115	12	ghorm	ghorm	PROPN
ejif-2758	115	13	bil	bil	PROPN
ejif-2758	115	14	ghurmy	ghurmy	PROPN
ejif-2758	115	15	al	al	PROPN
ejif-2758	115	16	kharaj	kharaj	PROPN
ejif-2758	115	17	bid	bid	PROPN
ejif-2758	115	18	dhamany	dhamany	NOUN
ejif-2758	115	19	”	"	PUNCT
ejif-2758	115	20	(	(	PUNCT
ejif-2758	115	21	soekapdjo	soekapdjo	VERB
ejif-2758	115	22	et	et	PROPN
ejif-2758	115	23	al	al	PROPN
ejif-2758	115	24	.	.	PROPN
ejif-2758	115	25	,	,	PUNCT
ejif-2758	115	26	2018	2018	NUM
ejif-2758	115	27	)	)	PUNCT
ejif-2758	115	28	that	that	PRON
ejif-2758	115	29	means	mean	VERB
ejif-2758	115	30	“	"	PUNCT
ejif-2758	115	31	any	any	DET
ejif-2758	115	32	gains	gain	NOUN
ejif-2758	115	33	are	be	AUX
ejif-2758	115	34	risks	risk	NOUN
ejif-2758	115	35	,	,	PUNCT
ejif-2758	115	36	and	and	CCONJ
ejif-2758	115	37	these	these	DET
ejif-2758	115	38	risks	risk	NOUN
ejif-2758	115	39	must	must	AUX
ejif-2758	115	40	be	be	AUX
ejif-2758	115	41	managed	manage	VERB
ejif-2758	115	42	responsibly	responsibly	ADV
ejif-2758	115	43	.	.	PUNCT
ejif-2758	115	44	"	"	PUNCT
ejif-2758	116	1	islamic	islamic	ADJ
ejif-2758	116	2	banks	bank	NOUN
ejif-2758	116	3	in	in	ADP
ejif-2758	116	4	lending	lending	NOUN
ejif-2758	116	5	/	/	SYM
ejif-2758	116	6	financing	financing	NOUN
ejif-2758	116	7	will	will	AUX
ejif-2758	116	8	inevitably	inevitably	ADV
ejif-2758	116	9	face	face	VERB
ejif-2758	116	10	the	the	DET
ejif-2758	116	11	risk	risk	NOUN
ejif-2758	116	12	of	of	ADP
ejif-2758	116	13	financing	financing	NOUN
ejif-2758	116	14	problems	problem	NOUN
ejif-2758	116	15	.	.	PUNCT
ejif-2758	117	1	nevertheless	nevertheless	ADV
ejif-2758	117	2	,	,	PUNCT
ejif-2758	117	3	according	accord	VERB
ejif-2758	117	4	to	to	ADP
ejif-2758	117	5	soekapdjo	soekapdjo	PROPN
ejif-2758	117	6	et	et	PROPN
ejif-2758	117	7	al	al	PROPN
ejif-2758	117	8	.	.	PUNCT
ejif-2758	117	9	(	(	PUNCT
ejif-2758	117	10	2018	2018	NUM
ejif-2758	117	11	)	)	PUNCT
ejif-2758	117	12	,	,	PUNCT
ejif-2758	117	13	the	the	DET
ejif-2758	117	14	low	low	ADJ
ejif-2758	117	15	level	level	NOUN
ejif-2758	117	16	of	of	ADP
ejif-2758	117	17	risk	risk	NOUN
ejif-2758	117	18	management	management	NOUN
ejif-2758	117	19	in	in	ADP
ejif-2758	117	20	an	an	DET
ejif-2758	117	21	institution	institution	NOUN
ejif-2758	117	22	will	will	AUX
ejif-2758	117	23	fail	fail	VERB
ejif-2758	117	24	the	the	DET
ejif-2758	117	25	establishment	establishment	NOUN
ejif-2758	117	26	.	.	PUNCT
ejif-2758	118	1	moreover	moreover	ADV
ejif-2758	118	2	,	,	PUNCT
ejif-2758	118	3	it	it	PRON
ejif-2758	118	4	can	can	AUX
ejif-2758	118	5	even	even	ADV
ejif-2758	118	6	lead	lead	VERB
ejif-2758	118	7	to	to	ADP
ejif-2758	118	8	a	a	DET
ejif-2758	118	9	loss	loss	NOUN
ejif-2758	118	10	of	of	ADP
ejif-2758	118	11	confidence	confidence	NOUN
ejif-2758	118	12	from	from	ADP
ejif-2758	118	13	investors	investor	NOUN
ejif-2758	118	14	.	.	PUNCT
ejif-2758	119	1	the	the	DET
ejif-2758	119	2	internal	internal	ADJ
ejif-2758	119	3	and	and	CCONJ
ejif-2758	119	4	external	external	ADJ
ejif-2758	119	5	environments	environment	NOUN
ejif-2758	119	6	of	of	ADP
ejif-2758	119	7	the	the	DET
ejif-2758	119	8	banking	banking	NOUN
ejif-2758	119	9	sector	sector	NOUN
ejif-2758	119	10	have	have	AUX
ejif-2758	119	11	grown	grow	VERB
ejif-2758	119	12	rapidly	rapidly	ADV
ejif-2758	119	13	,	,	PUNCT
ejif-2758	119	14	resulting	result	VERB
ejif-2758	119	15	in	in	ADP
ejif-2758	119	16	increasingly	increasingly	ADV
ejif-2758	119	17	complex	complex	ADJ
ejif-2758	119	18	business	business	NOUN
ejif-2758	119	19	risks	risk	NOUN
ejif-2758	119	20	.	.	PUNCT
ejif-2758	120	1	therefore	therefore	ADV
ejif-2758	120	2	,	,	PUNCT
ejif-2758	120	3	to	to	PART
ejif-2758	120	4	keep	keep	VERB
ejif-2758	120	5	pace	pace	NOUN
ejif-2758	120	6	with	with	ADP
ejif-2758	120	7	the	the	DET
ejif-2758	120	8	rapid	rapid	ADJ
ejif-2758	120	9	development	development	NOUN
ejif-2758	120	10	of	of	ADP
ejif-2758	120	11	bank	bank	NOUN
ejif-2758	120	12	business	business	NOUN
ejif-2758	120	13	,	,	PUNCT
ejif-2758	120	14	it	it	PRON
ejif-2758	120	15	is	be	AUX
ejif-2758	120	16	necessary	necessary	ADJ
ejif-2758	120	17	to	to	PART
ejif-2758	120	18	implement	implement	VERB
ejif-2758	120	19	adequate	adequate	ADJ
ejif-2758	120	20	risk	risk	NOUN
ejif-2758	120	21	management	management	NOUN
ejif-2758	120	22	.	.	PUNCT
ejif-2758	121	1	sufficient	sufficient	ADJ
ejif-2758	121	2	risk	risk	NOUN
ejif-2758	121	3	management	management	NOUN
ejif-2758	121	4	policy	policy	NOUN
ejif-2758	121	5	can	can	AUX
ejif-2758	121	6	support	support	VERB
ejif-2758	121	7	the	the	DET
ejif-2758	121	8	bank	bank	NOUN
ejif-2758	121	9	's	's	PART
ejif-2758	121	10	business	business	NOUN
ejif-2758	121	11	growth	growth	NOUN
ejif-2758	121	12	optimally	optimally	ADV
ejif-2758	121	13	while	while	SCONJ
ejif-2758	121	14	maintaining	maintain	VERB
ejif-2758	121	15	the	the	DET
ejif-2758	121	16	principle	principle	NOUN
ejif-2758	121	17	of	of	ADP
ejif-2758	121	18	prudentiality	prudentiality	NOUN
ejif-2758	121	19	.	.	PUNCT
ejif-2758	122	1	the	the	DET
ejif-2758	122	2	primary	primary	ADJ
ejif-2758	122	3	structure	structure	NOUN
ejif-2758	122	4	of	of	ADP
ejif-2758	122	5	risk	risk	NOUN
ejif-2758	122	6	management	management	NOUN
ejif-2758	122	7	includes	include	VERB
ejif-2758	122	8	identification	identification	NOUN
ejif-2758	122	9	,	,	PUNCT
ejif-2758	122	10	quantification	quantification	NOUN
ejif-2758	122	11	,	,	PUNCT
ejif-2758	122	12	and	and	CCONJ
ejif-2758	122	13	monitoring	monitoring	NOUN
ejif-2758	122	14	of	of	ADP
ejif-2758	122	15	the	the	DET
ejif-2758	122	16	risks	risk	NOUN
ejif-2758	122	17	.	.	PUNCT
ejif-2758	123	1	therefore	therefore	ADV
ejif-2758	123	2	,	,	PUNCT
ejif-2758	123	3	the	the	DET
ejif-2758	123	4	analysis	analysis	NOUN
ejif-2758	123	5	of	of	ADP
ejif-2758	123	6	critical	critical	ADJ
ejif-2758	123	7	indicators	indicator	NOUN
ejif-2758	123	8	and	and	CCONJ
ejif-2758	123	9	risk	risk	NOUN
ejif-2758	123	10	trends	trend	NOUN
ejif-2758	123	11	is	be	AUX
ejif-2758	123	12	necessary	necessary	ADJ
ejif-2758	123	13	to	to	PART
ejif-2758	123	14	prevent	prevent	VERB
ejif-2758	123	15	and	and	CCONJ
ejif-2758	123	16	control	control	VERB
ejif-2758	123	17	the	the	DET
ejif-2758	123	18	risk	risk	NOUN
ejif-2758	123	19	among	among	ADP
ejif-2758	123	20	financial	financial	ADJ
ejif-2758	123	21	institutions	institution	NOUN
ejif-2758	123	22	(	(	PUNCT
ejif-2758	123	23	van	van	PROPN
ejif-2758	123	24	greuning	greuning	PROPN
ejif-2758	123	25	&	&	CCONJ
ejif-2758	123	26	iqbal	iqbal	PROPN
ejif-2758	123	27	,	,	PUNCT
ejif-2758	123	28	2008	2008	NUM
ejif-2758	123	29	)	)	PUNCT
ejif-2758	123	30	.	.	PUNCT
ejif-2758	124	1	indeed	indeed	ADV
ejif-2758	124	2	,	,	PUNCT
ejif-2758	124	3	there	there	PRON
ejif-2758	124	4	are	be	VERB
ejif-2758	124	5	several	several	ADJ
ejif-2758	124	6	risk	risk	NOUN
ejif-2758	124	7	drivers	driver	NOUN
ejif-2758	124	8	such	such	ADJ
ejif-2758	124	9	as	as	SCONJ
ejif-2758	124	10	include	include	VERB
ejif-2758	124	11	credit	credit	NOUN
ejif-2758	124	12	risk	risk	NOUN
ejif-2758	124	13	,	,	PUNCT
ejif-2758	124	14	operational	operational	ADJ
ejif-2758	124	15	risks	risk	NOUN
ejif-2758	124	16	,	,	PUNCT
ejif-2758	124	17	market	market	NOUN
ejif-2758	124	18	risk	risk	NOUN
ejif-2758	124	19	,	,	PUNCT
ejif-2758	124	20	liquidity	liquidity	NOUN
ejif-2758	124	21	risk	risk	NOUN
ejif-2758	124	22	and	and	CCONJ
ejif-2758	124	23	systematic	systematic	ADJ
ejif-2758	124	24	risk	risk	NOUN
ejif-2758	124	25	(	(	PUNCT
ejif-2758	124	26	churchill	churchill	NOUN
ejif-2758	124	27	and	and	CCONJ
ejif-2758	124	28	coster	coster	PROPN
ejif-2758	124	29	,	,	PUNCT
ejif-2758	124	30	2001	2001	NUM
ejif-2758	124	31	;	;	PUNCT
ejif-2758	125	1	rahman	rahman	PROPN
ejif-2758	125	2	et	et	PROPN
ejif-2758	125	3	al	al	PROPN
ejif-2758	125	4	.	.	PROPN
ejif-2758	125	5	,	,	PUNCT
ejif-2758	125	6	2014	2014	NUM
ejif-2758	125	7	)	)	PUNCT
ejif-2758	125	8	.	.	PUNCT
ejif-2758	126	1	however	however	ADV
ejif-2758	126	2	,	,	PUNCT
ejif-2758	126	3	for	for	ADP
ejif-2758	126	4	islamic	islamic	PROPN
ejif-2758	126	5	bank	bank	PROPN
ejif-2758	126	6	face	face	VERB
ejif-2758	126	7	additional	additional	ADJ
ejif-2758	126	8	risk	risk	NOUN
ejif-2758	126	9	such	such	ADJ
ejif-2758	126	10	as	as	ADP
ejif-2758	126	11	non	non	ADJ
ejif-2758	126	12	-	-	ADJ
ejif-2758	126	13	compliance	compliance	ADJ
ejif-2758	126	14	risk	risk	NOUN
ejif-2758	126	15	.	.	PUNCT
ejif-2758	127	1	nevertheless	nevertheless	ADV
ejif-2758	127	2	,	,	PUNCT
ejif-2758	127	3	regarding	regard	VERB
ejif-2758	127	4	hull	hull	NOUN
ejif-2758	127	5	(	(	PUNCT
ejif-2758	127	6	2012	2012	NUM
ejif-2758	127	7	)	)	PUNCT
ejif-2758	127	8	credit	credit	NOUN
ejif-2758	127	9	/	/	SYM
ejif-2758	127	10	financing	financing	NOUN
ejif-2758	127	11	risk	risk	NOUN
ejif-2758	127	12	is	be	AUX
ejif-2758	127	13	the	the	DET
ejif-2758	127	14	highest	high	ADJ
ejif-2758	127	15	risk	risk	NOUN
ejif-2758	127	16	that	that	PRON
ejif-2758	127	17	is	be	AUX
ejif-2758	127	18	facing	face	VERB
ejif-2758	127	19	by	by	ADP
ejif-2758	127	20	the	the	DET
ejif-2758	127	21	conventional	conventional	ADJ
ejif-2758	127	22	bank	bank	PROPN
ejif-2758	127	23	and	and	CCONJ
ejif-2758	127	24	islamic	islamic	PROPN
ejif-2758	127	25	bank	bank	PROPN
ejif-2758	127	26	.	.	PUNCT
ejif-2758	128	1	islamic	islamic	PROPN
ejif-2758	128	2	law	law	PROPN
ejif-2758	128	3	also	also	ADV
ejif-2758	128	4	teaches	teach	VERB
ejif-2758	128	5	the	the	DET
ejif-2758	128	6	"	"	PUNCT
ejif-2758	128	7	la	la	X
ejif-2758	128	8	darara	darara	NOUN
ejif-2758	128	9	wa	wa	PROPN
ejif-2758	128	10	la	la	PROPN
ejif-2758	128	11	dirara	dirara	PROPN
ejif-2758	128	12	"	"	PUNCT
ejif-2758	128	13	rule	rule	NOUN
ejif-2758	128	14	in	in	ADP
ejif-2758	128	15	which	which	PRON
ejif-2758	128	16	we	we	PRON
ejif-2758	128	17	are	be	AUX
ejif-2758	128	18	not	not	PART
ejif-2758	128	19	allowed	allow	VERB
ejif-2758	128	20	to	to	PART
ejif-2758	128	21	engage	engage	VERB
ejif-2758	128	22	ourselves	ourselves	PRON
ejif-2758	128	23	in	in	ADP
ejif-2758	128	24	harm	harm	NOUN
ejif-2758	128	25	that	that	PRON
ejif-2758	128	26	will	will	AUX
ejif-2758	128	27	harm	harm	VERB
ejif-2758	128	28	or	or	CCONJ
ejif-2758	128	29	destroy	destroy	VERB
ejif-2758	128	30	ourselves	ourselves	PRON
ejif-2758	128	31	without	without	ADP
ejif-2758	128	32	any	any	DET
ejif-2758	128	33	attempt	attempt	NOUN
ejif-2758	128	34	to	to	PART
ejif-2758	128	35	minimize	minimize	VERB
ejif-2758	128	36	the	the	DET
ejif-2758	128	37	harm	harm	NOUN
ejif-2758	128	38	.	.	PUNCT
ejif-2758	129	1	even	even	ADV
ejif-2758	129	2	in	in	ADP
ejif-2758	129	3	al	al	PROPN
ejif-2758	129	4	-	-	PUNCT
ejif-2758	129	5	baqarah	baqarah	PROPN
ejif-2758	129	6	verse	verse	NOUN
ejif-2758	129	7	195	195	NUM
ejif-2758	129	8	,	,	PUNCT
ejif-2758	129	9	its	its	PRON
ejif-2758	129	10	mean	mean	NOUN
ejif-2758	129	11	:	:	PUNCT
ejif-2758	129	12	“	"	PUNCT
ejif-2758	129	13	and	and	CCONJ
ejif-2758	129	14	spend	spend	VERB
ejif-2758	129	15	in	in	ADP
ejif-2758	129	16	the	the	DET
ejif-2758	129	17	way	way	NOUN
ejif-2758	129	18	of	of	ADP
ejif-2758	129	19	allah	allah	PROPN
ejif-2758	129	20	and	and	CCONJ
ejif-2758	129	21	do	do	AUX
ejif-2758	129	22	not	not	PART
ejif-2758	129	23	throw	throw	VERB
ejif-2758	129	24	[	[	NOUN
ejif-2758	129	25	yourselves	yourself	NOUN
ejif-2758	129	26	]	]	PUNCT
ejif-2758	129	27	with	with	ADP
ejif-2758	129	28	your	your	PRON
ejif-2758	129	29	[	[	X
ejif-2758	129	30	own	own	ADJ
ejif-2758	129	31	]	]	PUNCT
ejif-2758	129	32	hands	hand	NOUN
ejif-2758	129	33	into	into	ADP
ejif-2758	129	34	destruction	destruction	NOUN
ejif-2758	129	35	[	[	X
ejif-2758	129	36	by	by	ADP
ejif-2758	129	37	refraining	refrain	VERB
ejif-2758	129	38	]	]	PUNCT
ejif-2758	129	39	.	.	PUNCT
ejif-2758	130	1	and	and	CCONJ
ejif-2758	130	2	do	do	VERB
ejif-2758	130	3	good	good	NOUN
ejif-2758	130	4	;	;	PUNCT
ejif-2758	130	5	indeed	indeed	ADV
ejif-2758	130	6	,	,	PUNCT
ejif-2758	130	7	allah	allah	PROPN
ejif-2758	130	8	loves	love	VERB
ejif-2758	130	9	the	the	DET
ejif-2758	130	10	doers	doer	NOUN
ejif-2758	130	11	of	of	ADP
ejif-2758	130	12	good	good	NOUN
ejif-2758	130	13	.	.	PUNCT
ejif-2758	130	14	”	"	PUNCT
ejif-2758	131	1	this	this	DET
ejif-2758	131	2	rule	rule	NOUN
ejif-2758	131	3	encourages	encourage	VERB
ejif-2758	131	4	islamic	islamic	ADJ
ejif-2758	131	5	banks	bank	NOUN
ejif-2758	131	6	to	to	PART
ejif-2758	131	7	be	be	AUX
ejif-2758	131	8	more	more	ADV
ejif-2758	131	9	careful	careful	ADJ
ejif-2758	131	10	in	in	ADP
ejif-2758	131	11	managing	manage	VERB
ejif-2758	131	12	their	their	PRON
ejif-2758	131	13	business	business	NOUN
ejif-2758	131	14	activities	activity	NOUN
ejif-2758	131	15	so	so	SCONJ
ejif-2758	131	16	that	that	SCONJ
ejif-2758	131	17	any	any	DET
ejif-2758	131	18	inherent	inherent	ADJ
ejif-2758	131	19	risks	risk	NOUN
ejif-2758	131	20	to	to	ADP
ejif-2758	131	21	the	the	DET
ejif-2758	131	22	bank	bank	NOUN
ejif-2758	131	23	's	's	PART
ejif-2758	131	24	business	business	NOUN
ejif-2758	131	25	can	can	AUX
ejif-2758	131	26	be	be	AUX
ejif-2758	131	27	minimized	minimize	VERB
ejif-2758	131	28	and	and	CCONJ
ejif-2758	131	29	managed	manage	VERB
ejif-2758	131	30	properly	properly	ADV
ejif-2758	131	31	.	.	PUNCT
ejif-2758	132	1	before	before	ADP
ejif-2758	132	2	approving	approve	VERB
ejif-2758	132	3	the	the	DET
ejif-2758	132	4	financing	financing	NOUN
ejif-2758	132	5	proposal	proposal	NOUN
ejif-2758	132	6	,	,	PUNCT
ejif-2758	132	7	the	the	DET
ejif-2758	132	8	sharia	sharia	PROPN
ejif-2758	132	9	bank	bank	PROPN
ejif-2758	132	10	must	must	AUX
ejif-2758	132	11	know	know	VERB
ejif-2758	132	12	the	the	DET
ejif-2758	132	13	profile	profile	NOUN
ejif-2758	132	14	of	of	ADP
ejif-2758	132	15	the	the	DET
ejif-2758	132	16	prospective	prospective	ADJ
ejif-2758	132	17	customer	customer	NOUN
ejif-2758	132	18	,	,	PUNCT
ejif-2758	132	19	especially	especially	ADV
ejif-2758	132	20	related	relate	VERB
ejif-2758	132	21	to	to	ADP
ejif-2758	132	22	the	the	DET
ejif-2758	132	23	inherent	inherent	ADJ
ejif-2758	132	24	risk	risk	NOUN
ejif-2758	132	25	to	to	ADP
ejif-2758	132	26	the	the	DET
ejif-2758	132	27	customer	customer	NOUN
ejif-2758	132	28	.	.	PUNCT
ejif-2758	133	1	by	by	ADP
ejif-2758	133	2	knowing	know	VERB
ejif-2758	133	3	the	the	DET
ejif-2758	133	4	risk	risk	NOUN
ejif-2758	133	5	of	of	ADP
ejif-2758	133	6	each	each	DET
ejif-2758	133	7	customer	customer	NOUN
ejif-2758	133	8	,	,	PUNCT
ejif-2758	133	9	the	the	DET
ejif-2758	133	10	sharia	sharia	PROPN
ejif-2758	133	11	bank	bank	PROPN
ejif-2758	133	12	can	can	AUX
ejif-2758	133	13	develop	develop	VERB
ejif-2758	133	14	risk	risk	NOUN
ejif-2758	133	15	mitigation	mitigation	NOUN
ejif-2758	133	16	measures	measure	NOUN
ejif-2758	133	17	to	to	PART
ejif-2758	133	18	minimize	minimize	VERB
ejif-2758	133	19	the	the	DET
ejif-2758	133	20	potential	potential	ADJ
ejif-2758	133	21	loss	loss	NOUN
ejif-2758	133	22	from	from	ADP
ejif-2758	133	23	the	the	DET
ejif-2758	133	24	existing	exist	VERB
ejif-2758	133	25	risk	risk	NOUN
ejif-2758	133	26	.	.	PUNCT
ejif-2758	134	1	the	the	DET
ejif-2758	134	2	bank	bank	NOUN
ejif-2758	134	3	should	should	AUX
ejif-2758	134	4	take	take	AUX
ejif-2758	134	5	prudentially	prudentially	ADV
ejif-2758	134	6	provide	provide	VERB
ejif-2758	134	7	loan	loan	NOUN
ejif-2758	134	8	for	for	ADP
ejif-2758	134	9	the	the	DET
ejif-2758	134	10	client	client	NOUN
ejif-2758	134	11	.	.	PUNCT
ejif-2758	135	1	this	this	PRON
ejif-2758	135	2	has	have	AUX
ejif-2758	135	3	happened	happen	VERB
ejif-2758	135	4	to	to	ADP
ejif-2758	135	5	the	the	DET
ejif-2758	135	6	banking	banking	NOUN
ejif-2758	135	7	industry	industry	NOUN
ejif-2758	135	8	in	in	ADP
ejif-2758	135	9	indonesia	indonesia	PROPN
ejif-2758	135	10	1997	1997	NUM
ejif-2758	135	11	-	-	SYM
ejif-2758	135	12	1998	1998	NUM
ejif-2758	135	13	.	.	PUNCT
ejif-2758	136	1	the	the	DET
ejif-2758	136	2	banking	banking	NOUN
ejif-2758	136	3	crisis	crisis	NOUN
ejif-2758	136	4	that	that	PRON
ejif-2758	136	5	occurred	occur	VERB
ejif-2758	136	6	during	during	ADP
ejif-2758	136	7	that	that	DET
ejif-2758	136	8	period	period	NOUN
ejif-2758	136	9	was	be	AUX
ejif-2758	136	10	triggered	trigger	VERB
ejif-2758	136	11	by	by	ADP
ejif-2758	136	12	the	the	DET
ejif-2758	136	13	behavior	behavior	NOUN
ejif-2758	136	14	of	of	ADP
ejif-2758	136	15	many	many	ADJ
ejif-2758	136	16	banks	bank	NOUN
ejif-2758	136	17	in	in	ADP
ejif-2758	136	18	indonesia	indonesia	PROPN
ejif-2758	136	19	which	which	PRON
ejif-2758	136	20	easily	easily	ADV
ejif-2758	136	21	lend	lend	VERB
ejif-2758	136	22	to	to	ADP
ejif-2758	136	23	unworthy	unworthy	ADJ
ejif-2758	136	24	debtors	debtor	NOUN
ejif-2758	136	25	without	without	ADP
ejif-2758	136	26	taking	take	VERB
ejif-2758	136	27	into	into	ADP
ejif-2758	136	28	account	account	NOUN
ejif-2758	136	29	the	the	DET
ejif-2758	136	30	level	level	NOUN
ejif-2758	136	31	of	of	ADP
ejif-2758	136	32	risk	risk	NOUN
ejif-2758	136	33	and	and	CCONJ
ejif-2758	136	34	risk	risk	NOUN
ejif-2758	136	35	mitigation	mitigation	NOUN
ejif-2758	136	36	measures	measure	NOUN
ejif-2758	136	37	that	that	PRON
ejif-2758	136	38	can	can	AUX
ejif-2758	136	39	be	be	AUX
ejif-2758	136	40	done	do	VERB
ejif-2758	136	41	to	to	PART
ejif-2758	136	42	minimize	minimize	VERB
ejif-2758	136	43	potential	potential	ADJ
ejif-2758	136	44	losses	loss	NOUN
ejif-2758	136	45	that	that	PRON
ejif-2758	136	46	may	may	AUX
ejif-2758	136	47	occur	occur	VERB
ejif-2758	136	48	.	.	PUNCT
ejif-2758	137	1	the	the	DET
ejif-2758	137	2	booming	booming	ADJ
ejif-2758	137	3	loan	loan	NOUN
ejif-2758	137	4	disbursement	disbursement	NOUN
ejif-2758	137	5	resulted	result	VERB
ejif-2758	137	6	in	in	ADP
ejif-2758	137	7	high	high	ADJ
ejif-2758	137	8	bank	bank	NOUN
ejif-2758	137	9	bad	bad	ADJ
ejif-2758	137	10	debts	debt	NOUN
ejif-2758	137	11	in	in	ADP
ejif-2758	137	12	1997	1997	NUM
ejif-2758	137	13	-	-	SYM
ejif-2758	137	14	1998	1998	NUM
ejif-2758	137	15	,	,	PUNCT
ejif-2758	137	16	causing	cause	VERB
ejif-2758	137	17	public	public	ADJ
ejif-2758	137	18	confidence	confidence	NOUN
ejif-2758	137	19	in	in	ADP
ejif-2758	137	20	banking	banking	NOUN
ejif-2758	137	21	institutions	institution	NOUN
ejif-2758	137	22	to	to	PART
ejif-2758	137	23	decline	decline	VERB
ejif-2758	137	24	dramatically	dramatically	ADV
ejif-2758	137	25	,	,	PUNCT
ejif-2758	137	26	especially	especially	ADV
ejif-2758	137	27	the	the	DET
ejif-2758	137	28	bank	bank	NOUN
ejif-2758	137	29	that	that	PRON
ejif-2758	137	30	majority	majority	NOUN
ejif-2758	137	31	portfolio	portfolio	NOUN
ejif-2758	137	32	loan	loan	NOUN
ejif-2758	137	33	in	in	ADP
ejif-2758	137	34	the	the	DET
ejif-2758	137	35	corporate	corporate	ADJ
ejif-2758	137	36	segment	segment	NOUN
ejif-2758	137	37	.	.	PUNCT
ejif-2758	138	1	islamic	islamic	PROPN
ejif-2758	138	2	bank	bank	PROPN
ejif-2758	138	3	objectives	objective	NOUN
ejif-2758	138	4	is	be	AUX
ejif-2758	138	5	not	not	PART
ejif-2758	138	6	only	only	ADV
ejif-2758	138	7	to	to	PART
ejif-2758	138	8	achieve	achieve	VERB
ejif-2758	138	9	financial	financial	ADJ
ejif-2758	138	10	performance	performance	NOUN
ejif-2758	138	11	but	but	CCONJ
ejif-2758	138	12	also	also	ADV
ejif-2758	138	13	to	to	PART
ejif-2758	138	14	achieve	achieve	VERB
ejif-2758	138	15	social	social	ADJ
ejif-2758	138	16	performance	performance	NOUN
ejif-2758	138	17	that	that	SCONJ
ejif-2758	138	18	objective	objective	NOUN
ejif-2758	138	19	create	create	VERB
ejif-2758	138	20	social	social	ADJ
ejif-2758	138	21	well	well	ADV
ejif-2758	138	22	-	-	PUNCT
ejif-2758	138	23	being	be	AUX
ejif-2758	138	24	(	(	PUNCT
ejif-2758	138	25	maslahah	maslahah	NOUN
ejif-2758	138	26	/	/	SYM
ejif-2758	138	27	beneficiaries	beneficiary	NOUN
ejif-2758	138	28	for	for	ADP
ejif-2758	138	29	ummah	ummah	NOUN
ejif-2758	138	30	/	/	SYM
ejif-2758	138	31	community	community	NOUN
ejif-2758	138	32	)	)	PUNCT
ejif-2758	138	33	therefore	therefore	ADV
ejif-2758	138	34	,	,	PUNCT
ejif-2758	138	35	islamic	islamic	PROPN
ejif-2758	138	36	bank	bank	PROPN
ejif-2758	138	37	has	have	AUX
ejif-2758	138	38	focused	focus	VERB
ejif-2758	138	39	on	on	ADP
ejif-2758	138	40	microfinance	microfinance	NOUN
ejif-2758	138	41	services	service	NOUN
ejif-2758	138	42	(	(	PUNCT
ejif-2758	138	43	akhtar	akhtar	PROPN
ejif-2758	138	44	,	,	PUNCT
ejif-2758	138	45	1998	1998	NUM
ejif-2758	138	46	;	;	PUNCT
ejif-2758	138	47	dhumale	dhumale	NOUN
ejif-2758	138	48	and	and	CCONJ
ejif-2758	138	49	shapcanin	shapcanin	ADJ
ejif-2758	138	50	,	,	PUNCT
ejif-2758	138	51	1999	1999	NUM
ejif-2758	138	52	;	;	PUNCT
ejif-2758	138	53	al	al	PROPN
ejif-2758	138	54	harran	harran	PROPN
ejif-2758	138	55	,	,	PUNCT
ejif-2758	138	56	1999	1999	NUM
ejif-2758	138	57	;	;	PUNCT
ejif-2758	138	58	ahmed	ahme	VERB
ejif-2758	138	59	,	,	PUNCT
ejif-2758	138	60	2002	2002	NUM
ejif-2758	138	61	;	;	PUNCT
ejif-2758	138	62	el	el	PROPN
ejif-2758	138	63	-	-	PROPN
ejif-2758	138	64	gamal	gamal	PROPN
ejif-2758	138	65	,	,	PUNCT
ejif-2758	138	66	2006	2006	NUM
ejif-2758	138	67	;	;	PUNCT
ejif-2758	138	68	wajdi	wajdi	NOUN
ejif-2758	138	69	dusuki	dusuki	NOUN
ejif-2758	138	70	,	,	PUNCT
ejif-2758	138	71	2008	2008	NUM
ejif-2758	138	72	;	;	PUNCT
ejif-2758	138	73	arafah	arafah	VERB
ejif-2758	138	74	&	&	CCONJ
ejif-2758	138	75	nugroho	nugroho	NOUN
ejif-2758	138	76	,	,	PUNCT
ejif-2758	138	77	2016	2016	NUM
ejif-2758	138	78	;	;	PUNCT
ejif-2758	138	79	aysan	aysan	ADJ
ejif-2758	138	80	et.al	et.al	PROPN
ejif-2758	138	81	.	.	PROPN
ejif-2758	138	82	,	,	PUNCT
ejif-2758	138	83	2016	2016	NUM
ejif-2758	138	84	)	)	PUNCT
ejif-2758	138	85	.	.	PUNCT
ejif-2758	139	1	furthermore	furthermore	ADV
ejif-2758	139	2	,	,	PUNCT
ejif-2758	139	3	according	accord	VERB
ejif-2758	139	4	to	to	ADP
ejif-2758	139	5	prastowo	prastowo	PROPN
ejif-2758	139	6	(	(	PUNCT
ejif-2758	139	7	2015	2015	NUM
ejif-2758	139	8	)	)	PUNCT
ejif-2758	139	9	,	,	PUNCT
ejif-2758	139	10	islamic	islamic	ADJ
ejif-2758	139	11	principle	principle	NOUN
ejif-2758	139	12	in	in	ADP
ejif-2758	139	13	the	the	DET
ejif-2758	139	14	financial	financial	ADJ
ejif-2758	139	15	institution	institution	NOUN
ejif-2758	139	16	such	such	ADJ
ejif-2758	139	17	as	as	ADP
ejif-2758	139	18	islamic	islamic	PROPN
ejif-2758	139	19	bank	bank	PROPN
ejif-2758	139	20	should	should	AUX
ejif-2758	139	21	concern	concern	NOUN
ejif-2758	139	22	in	in	ADP
ejif-2758	139	23	sustainability	sustainability	NOUN
ejif-2758	139	24	that	that	PRON
ejif-2758	139	25	means	mean	VERB
ejif-2758	139	26	the	the	DET
ejif-2758	139	27	business	business	NOUN
ejif-2758	139	28	activity	activity	NOUN
ejif-2758	139	29	should	should	AUX
ejif-2758	139	30	be	be	AUX
ejif-2758	139	31	a	a	DET
ejif-2758	139	32	concern	concern	NOUN
ejif-2758	139	33	not	not	PART
ejif-2758	139	34	only	only	ADV
ejif-2758	139	35	for	for	ADP
ejif-2758	139	36	presents	present	NOUN
ejif-2758	139	37	condition	condition	NOUN
ejif-2758	139	38	but	but	CCONJ
ejif-2758	139	39	also	also	ADV
ejif-2758	139	40	taking	take	VERB
ejif-2758	139	41	considerations	consideration	NOUN
ejif-2758	139	42	for	for	ADP
ejif-2758	139	43	next	next	ADJ
ejif-2758	139	44	generation	generation	NOUN
ejif-2758	139	45	.	.	PUNCT
ejif-2758	140	1	in	in	ADP
ejif-2758	140	2	islamic	islamic	ADJ
ejif-2758	140	3	point	point	NOUN
ejif-2758	140	4	of	of	ADP
ejif-2758	140	5	view	view	NOUN
ejif-2758	140	6	,	,	PUNCT
ejif-2758	140	7	all	all	DET
ejif-2758	140	8	the	the	DET
ejif-2758	140	9	business	business	NOUN
ejif-2758	140	10	activity	activity	NOUN
ejif-2758	140	11	included	include	VERB
ejif-2758	140	12	islamic	islamic	PROPN
ejif-2758	140	13	bank	bank	PROPN
ejif-2758	140	14	the	the	DET
ejif-2758	140	15	objectives	objective	NOUN
ejif-2758	140	16	are	be	AUX
ejif-2758	140	17	not	not	PART
ejif-2758	140	18	only	only	ADV
ejif-2758	140	19	a	a	DET
ejif-2758	140	20	triple	triple	ADJ
ejif-2758	140	21	bottom	bottom	ADJ
ejif-2758	140	22	line	line	NOUN
ejif-2758	140	23	(	(	PUNCT
ejif-2758	140	24	profit	profit	NOUN
ejif-2758	140	25	,	,	PUNCT
ejif-2758	140	26	people	people	NOUN
ejif-2758	140	27	,	,	PUNCT
ejif-2758	140	28	and	and	CCONJ
ejif-2758	140	29	planet	planet	NOUN
ejif-2758	140	30	)	)	PUNCT
ejif-2758	140	31	but	but	CCONJ
ejif-2758	140	32	extended	extend	VERB
ejif-2758	140	33	into	into	ADP
ejif-2758	140	34	prophet	prophet	NOUN
ejif-2758	140	35	,	,	PUNCT
ejif-2758	140	36	profit	profit	NOUN
ejif-2758	140	37	,	,	PUNCT
ejif-2758	140	38	people	people	NOUN
ejif-2758	140	39	and	and	CCONJ
ejif-2758	140	40	planet	planet	NOUN
ejif-2758	140	41	which	which	PRON
ejif-2758	140	42	mean	mean	VERB
ejif-2758	140	43	the	the	DET
ejif-2758	140	44	bussiness	bussiness	NOUN
ejif-2758	140	45	activities	activity	NOUN
ejif-2758	140	46	should	should	AUX
ejif-2758	140	47	comply	comply	VERB
ejif-2758	140	48	with	with	ADP
ejif-2758	140	49	the	the	DET
ejif-2758	140	50	sharia	sharia	PROPN
ejif-2758	140	51	principle	principle	PROPN
ejif-2758	140	52	(	(	PUNCT
ejif-2758	140	53	chotib	chotib	PROPN
ejif-2758	140	54	&	&	CCONJ
ejif-2758	140	55	utami	utami	NOUN
ejif-2758	140	56	,	,	PUNCT
ejif-2758	140	57	2014	2014	NUM
ejif-2758	140	58	;	;	PUNCT
ejif-2758	140	59	nugroho	nugroho	NOUN
ejif-2758	140	60	et	et	NOUN
ejif-2758	140	61	al	al	PROPN
ejif-2758	140	62	.	.	PROPN
ejif-2758	140	63	,	,	PUNCT
ejif-2758	140	64	2018	2018	NUM
ejif-2758	140	65	)	)	PUNCT
ejif-2758	140	66	.	.	PUNCT
ejif-2758	141	1	on	on	ADP
ejif-2758	141	2	the	the	DET
ejif-2758	141	3	other	other	ADJ
ejif-2758	141	4	hand	hand	NOUN
ejif-2758	141	5	,	,	PUNCT
ejif-2758	141	6	financing	financing	NOUN
ejif-2758	141	7	to	to	ADP
ejif-2758	141	8	the	the	DET
ejif-2758	141	9	micro	micro	NOUN
ejif-2758	141	10	-	-	NOUN
ejif-2758	141	11	entrepreneur	entrepreneur	ADJ
ejif-2758	141	12	sector	sector	NOUN
ejif-2758	141	13	is	be	AUX
ejif-2758	141	14	constrained	constrain	VERB
ejif-2758	141	15	by	by	ADP
ejif-2758	141	16	several	several	ADJ
ejif-2758	141	17	things	thing	NOUN
ejif-2758	141	18	.	.	PUNCT
ejif-2758	142	1	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	142	2	do	do	AUX
ejif-2758	142	3	not	not	PART
ejif-2758	142	4	have	have	VERB
ejif-2758	142	5	a	a	DET
ejif-2758	142	6	standard	standard	ADJ
ejif-2758	142	7	financial	financial	ADJ
ejif-2758	142	8	report	report	NOUN
ejif-2758	142	9	format	format	NOUN
ejif-2758	142	10	,	,	PUNCT
ejif-2758	142	11	even	even	ADV
ejif-2758	142	12	if	if	SCONJ
ejif-2758	142	13	there	there	PRON
ejif-2758	142	14	are	be	AUX
ejif-2758	142	15	often	often	ADV
ejif-2758	142	16	unaudited	unaudite	VERB
ejif-2758	142	17	.	.	PUNCT
ejif-2758	143	1	so	so	ADV
ejif-2758	143	2	the	the	DET
ejif-2758	143	3	financial	financial	ADJ
ejif-2758	143	4	information	information	NOUN
ejif-2758	143	5	provided	provide	VERB
ejif-2758	143	6	is	be	AUX
ejif-2758	143	7	less	less	ADV
ejif-2758	143	8	reliable	reliable	ADJ
ejif-2758	143	9	(	(	PUNCT
ejif-2758	143	10	unreliable	unreliable	ADJ
ejif-2758	143	11	)	)	PUNCT
ejif-2758	143	12	.	.	PUNCT
ejif-2758	144	1	the	the	DET
ejif-2758	144	2	condition	condition	NOUN
ejif-2758	144	3	is	be	AUX
ejif-2758	144	4	theoretically	theoretically	ADV
ejif-2758	144	5	known	know	VERB
ejif-2758	144	6	as	as	ADP
ejif-2758	144	7	information	information	NOUN
ejif-2758	144	8	opacity	opacity	NOUN
ejif-2758	144	9	.	.	PUNCT
ejif-2758	145	1	in	in	ADP
ejif-2758	145	2	addition	addition	NOUN
ejif-2758	145	3	to	to	ADP
ejif-2758	145	4	information	information	NOUN
ejif-2758	145	5	opacity	opacity	NOUN
ejif-2758	145	6	,	,	PUNCT
ejif-2758	145	7	other	other	ADJ
ejif-2758	145	8	factors	factor	NOUN
ejif-2758	145	9	that	that	PRON
ejif-2758	145	10	make	make	VERB
ejif-2758	145	11	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	145	12	less	less	ADV
ejif-2758	145	13	desirable	desirable	ADJ
ejif-2758	145	14	by	by	ADP
ejif-2758	145	15	banking	banking	NOUN
ejif-2758	145	16	is	be	AUX
ejif-2758	145	17	;	;	PUNCT
ejif-2758	145	18	the	the	DET
ejif-2758	145	19	micro	micro	ADJ
ejif-2758	145	20	business	business	NOUN
ejif-2758	145	21	is	be	AUX
ejif-2758	145	22	new	new	ADJ
ejif-2758	145	23	,	,	PUNCT
ejif-2758	145	24	there	there	PRON
ejif-2758	145	25	is	be	VERB
ejif-2758	145	26	no	no	DET
ejif-2758	145	27	guarantee	guarantee	NOUN
ejif-2758	145	28	/	/	SYM
ejif-2758	145	29	adequate	adequate	ADJ
ejif-2758	145	30	collateral	collateral	NOUN
ejif-2758	145	31	,	,	PUNCT
ejif-2758	145	32	little	little	ADJ
ejif-2758	145	33	technological	technological	ADJ
ejif-2758	145	34	mastery	mastery	NOUN
ejif-2758	145	35	and	and	CCONJ
ejif-2758	145	36	the	the	DET
ejif-2758	145	37	founder	founder	NOUN
ejif-2758	145	38	and	and	CCONJ
ejif-2758	145	39	manager	manager	NOUN
ejif-2758	145	40	of	of	ADP
ejif-2758	145	41	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	145	42	do	do	AUX
ejif-2758	145	43	not	not	PART
ejif-2758	145	44	have	have	VERB
ejif-2758	145	45	sufficient	sufficient	ADJ
ejif-2758	145	46	managerial	managerial	ADJ
ejif-2758	145	47	experience	experience	NOUN
ejif-2758	145	48	managing	manage	VERB
ejif-2758	145	49	the	the	DET
ejif-2758	145	50	business	business	NOUN
ejif-2758	145	51	(	(	PUNCT
ejif-2758	145	52	track	track	NOUN
ejif-2758	145	53	record	record	NOUN
ejif-2758	145	54	)	)	PUNCT
ejif-2758	145	55	(	(	PUNCT
ejif-2758	145	56	schurmann	schurmann	NOUN
ejif-2758	145	57	and	and	CCONJ
ejif-2758	145	58	johnston	johnston	PROPN
ejif-2758	145	59	,	,	PUNCT
ejif-2758	145	60	2009	2009	NUM
ejif-2758	145	61	;	;	PUNCT
ejif-2758	145	62	ibtissem	ibtissem	NOUN
ejif-2758	145	63	and	and	CCONJ
ejif-2758	145	64	bouri	bouri	NOUN
ejif-2758	145	65	,	,	PUNCT
ejif-2758	145	66	2013	2013	NUM
ejif-2758	145	67	)	)	PUNCT
ejif-2758	145	68	.	.	PUNCT
ejif-2758	146	1	the	the	DET
ejif-2758	146	2	existence	existence	NOUN
ejif-2758	146	3	of	of	ADP
ejif-2758	146	4	information	information	NOUN
ejif-2758	146	5	opacity	opacity	NOUN
ejif-2758	146	6	,	,	PUNCT
ejif-2758	146	7	causing	cause	VERB
ejif-2758	146	8	banks	bank	NOUN
ejif-2758	146	9	are	be	AUX
ejif-2758	146	10	reluctant	reluctant	ADJ
ejif-2758	146	11	to	to	PART
ejif-2758	146	12	channel	channel	VERB
ejif-2758	146	13	funds	fund	NOUN
ejif-2758	146	14	to	to	ADP
ejif-2758	146	15	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	146	16	.	.	PUNCT
ejif-2758	147	1	if	if	SCONJ
ejif-2758	147	2	willing	willing	ADJ
ejif-2758	147	3	,	,	PUNCT
ejif-2758	147	4	the	the	DET
ejif-2758	147	5	bank	bank	NOUN
ejif-2758	147	6	will	will	AUX
ejif-2758	147	7	ask	ask	VERB
ejif-2758	147	8	for	for	ADP
ejif-2758	147	9	higher	high	ADJ
ejif-2758	147	10	yields	yield	NOUN
ejif-2758	147	11	as	as	ADP
ejif-2758	147	12	the	the	DET
ejif-2758	147	13	potential	potential	ADJ
ejif-2758	147	14	increase	increase	NOUN
ejif-2758	147	15	in	in	ADP
ejif-2758	147	16	the	the	DET
ejif-2758	147	17	number	number	NOUN
ejif-2758	147	18	of	of	ADP
ejif-2758	147	19	nonperforming	nonperforme	VERB
ejif-2758	147	20	loans	loan	NOUN
ejif-2758	147	21	as	as	ADP
ejif-2758	147	22	a	a	DET
ejif-2758	147	23	result	result	NOUN
ejif-2758	147	24	of	of	ADP
ejif-2758	147	25	mistakes	mistake	NOUN
ejif-2758	147	26	to	to	PART
ejif-2758	147	27	choose	choose	VERB
ejif-2758	147	28	the	the	DET
ejif-2758	147	29	debtor	debtor	NOUN
ejif-2758	147	30	(	(	PUNCT
ejif-2758	147	31	adverse	adverse	ADJ
ejif-2758	147	32	selection	selection	NOUN
ejif-2758	147	33	)	)	PUNCT
ejif-2758	147	34	.	.	PUNCT
ejif-2758	148	1	to	to	PART
ejif-2758	148	2	minimize	minimize	VERB
ejif-2758	148	3	this	this	DET
ejif-2758	148	4	risk	risk	NOUN
ejif-2758	148	5	,	,	PUNCT
ejif-2758	148	6	the	the	DET
ejif-2758	148	7	bank	bank	NOUN
ejif-2758	148	8	should	should	AUX
ejif-2758	148	9	use	use	VERB
ejif-2758	148	10	an	an	DET
ejif-2758	148	11	effective	effective	ADJ
ejif-2758	148	12	selection	selection	NOUN
ejif-2758	148	13	tool	tool	NOUN
ejif-2758	148	14	to	to	PART
ejif-2758	148	15	distinguish	distinguish	VERB
ejif-2758	148	16	which	which	PRON
ejif-2758	148	17	debtors	debtor	NOUN
ejif-2758	148	18	will	will	AUX
ejif-2758	148	19	default	default	VERB
ejif-2758	148	20	or	or	CCONJ
ejif-2758	148	21	fail	fail	VERB
ejif-2758	148	22	after	after	SCONJ
ejif-2758	148	23	the	the	DET
ejif-2758	148	24	bank	bank	NOUN
ejif-2758	148	25	approves	approve	VERB
ejif-2758	148	26	its	its	PRON
ejif-2758	148	27	financing	financing	NOUN
ejif-2758	148	28	request	request	NOUN
ejif-2758	148	29	.	.	PUNCT
ejif-2758	149	1	information	information	NOUN
ejif-2758	149	2	opacity	opacity	NOUN
ejif-2758	149	3	of	of	ADP
ejif-2758	149	4	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	149	5	is	be	AUX
ejif-2758	149	6	not	not	PART
ejif-2758	149	7	only	only	ADV
ejif-2758	149	8	a	a	DET
ejif-2758	149	9	problem	problem	NOUN
ejif-2758	149	10	for	for	ADP
ejif-2758	149	11	banks	bank	NOUN
ejif-2758	149	12	at	at	ADP
ejif-2758	149	13	the	the	DET
ejif-2758	149	14	time	time	NOUN
ejif-2758	149	15	of	of	ADP
ejif-2758	149	16	selection	selection	NOUN
ejif-2758	149	17	but	but	CCONJ
ejif-2758	149	18	also	also	ADV
ejif-2758	149	19	occurs	occur	VERB
ejif-2758	149	20	ejif	ejif	PROPN
ejif-2758	149	21	–	–	PUNCT
ejif-2758	149	22	european	european	ADJ
ejif-2758	149	23	journal	journal	PROPN
ejif-2758	149	24	of	of	ADP
ejif-2758	149	25	islamic	islamic	PROPN
ejif-2758	149	26	finance	finance	PROPN
ejif-2758	149	27	no11	no11	PROPN
ejif-2758	149	28	,	,	PUNCT
ejif-2758	149	29	december	december	PROPN
ejif-2758	149	30	(	(	PUNCT
ejif-2758	149	31	2018	2018	NUM
ejif-2758	149	32	)	)	PUNCT
ejif-2758	150	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	150	2	issn	issn	VERB
ejif-2758	150	3	2421	2421	NUM
ejif-2758	150	4	-	-	SYM
ejif-2758	150	5	2172	2172	NUM
ejif-2758	150	6	5	5	NUM
ejif-2758	150	7	during	during	ADP
ejif-2758	150	8	the	the	DET
ejif-2758	150	9	period	period	NOUN
ejif-2758	150	10	of	of	ADP
ejif-2758	150	11	financing	financing	NOUN
ejif-2758	150	12	running	run	VERB
ejif-2758	150	13	(	(	PUNCT
ejif-2758	150	14	kiweu	kiweu	NOUN
ejif-2758	150	15	,	,	PUNCT
ejif-2758	150	16	2011	2011	NUM
ejif-2758	150	17	)	)	PUNCT
ejif-2758	150	18	.	.	PUNCT
ejif-2758	151	1	the	the	DET
ejif-2758	151	2	value	value	NOUN
ejif-2758	151	3	of	of	ADP
ejif-2758	151	4	financing	financing	NOUN
ejif-2758	151	5	given	give	VERB
ejif-2758	151	6	to	to	ADP
ejif-2758	151	7	micro	micro	ADJ
ejif-2758	151	8	entrepreneurs	entrepreneur	NOUN
ejif-2758	151	9	are	be	AUX
ejif-2758	151	10	small	small	ADJ
ejif-2758	151	11	,	,	PUNCT
ejif-2758	151	12	but	but	CCONJ
ejif-2758	151	13	the	the	DET
ejif-2758	151	14	number	number	NOUN
ejif-2758	151	15	is	be	AUX
ejif-2758	151	16	very	very	ADV
ejif-2758	151	17	much	much	ADJ
ejif-2758	151	18	.	.	PUNCT
ejif-2758	152	1	this	this	DET
ejif-2758	152	2	condition	condition	NOUN
ejif-2758	152	3	is	be	AUX
ejif-2758	152	4	called	call	VERB
ejif-2758	152	5	granularity	granularity	NOUN
ejif-2758	152	6	and	and	CCONJ
ejif-2758	152	7	causes	cause	VERB
ejif-2758	152	8	enormous	enormous	ADJ
ejif-2758	152	9	monitoring	monitoring	NOUN
ejif-2758	152	10	costs	cost	NOUN
ejif-2758	152	11	for	for	ADP
ejif-2758	152	12	banks	bank	NOUN
ejif-2758	152	13	.	.	PUNCT
ejif-2758	153	1	in	in	ADP
ejif-2758	153	2	the	the	DET
ejif-2758	153	3	end	end	NOUN
ejif-2758	153	4	,	,	PUNCT
ejif-2758	153	5	this	this	PRON
ejif-2758	153	6	can	can	AUX
ejif-2758	153	7	reduce	reduce	VERB
ejif-2758	153	8	the	the	DET
ejif-2758	153	9	efficiency	efficiency	NOUN
ejif-2758	153	10	of	of	ADP
ejif-2758	153	11	the	the	DET
ejif-2758	153	12	bank	bank	NOUN
ejif-2758	153	13	's	's	PART
ejif-2758	153	14	operations	operation	NOUN
ejif-2758	153	15	.	.	PUNCT
ejif-2758	154	1	therefore	therefore	ADV
ejif-2758	154	2	,	,	PUNCT
ejif-2758	154	3	banks	bank	NOUN
ejif-2758	154	4	serving	serve	VERB
ejif-2758	154	5	the	the	DET
ejif-2758	154	6	sme	sme	NOUN
ejif-2758	154	7	sector	sector	NOUN
ejif-2758	154	8	are	be	AUX
ejif-2758	154	9	required	require	VERB
ejif-2758	154	10	to	to	PART
ejif-2758	154	11	have	have	VERB
ejif-2758	154	12	effective	effective	ADJ
ejif-2758	154	13	and	and	CCONJ
ejif-2758	154	14	efficient	efficient	ADJ
ejif-2758	154	15	supervision	supervision	NOUN
ejif-2758	154	16	.	.	PUNCT
ejif-2758	155	1	nevertheless	nevertheless	ADV
ejif-2758	155	2	,	,	PUNCT
ejif-2758	155	3	sharia	sharia	PROPN
ejif-2758	155	4	banks	bank	NOUN
ejif-2758	155	5	(	(	PUNCT
ejif-2758	155	6	including	include	VERB
ejif-2758	155	7	bsm	bsm	NOUN
ejif-2758	155	8	)	)	PUNCT
ejif-2758	155	9	remain	remain	VERB
ejif-2758	155	10	committed	committed	ADJ
ejif-2758	155	11	to	to	ADP
ejif-2758	155	12	developing	develop	VERB
ejif-2758	155	13	the	the	DET
ejif-2758	155	14	real	real	ADJ
ejif-2758	155	15	sector	sector	NOUN
ejif-2758	155	16	.	.	PUNCT
ejif-2758	156	1	this	this	PRON
ejif-2758	156	2	can	can	AUX
ejif-2758	156	3	be	be	AUX
ejif-2758	156	4	demonstrated	demonstrate	VERB
ejif-2758	156	5	by	by	ADP
ejif-2758	156	6	the	the	DET
ejif-2758	156	7	portion	portion	NOUN
ejif-2758	156	8	of	of	ADP
ejif-2758	156	9	financing	financing	NOUN
ejif-2758	156	10	for	for	ADP
ejif-2758	156	11	microentrepreneurs	microentrepreneur	NOUN
ejif-2758	156	12	that	that	PRON
ejif-2758	156	13	are	be	AUX
ejif-2758	156	14	consistent	consistent	ADJ
ejif-2758	156	15	at	at	ADP
ejif-2758	156	16	the	the	DET
ejif-2758	156	17	level	level	NOUN
ejif-2758	156	18	of	of	ADP
ejif-2758	156	19	60	60	NUM
ejif-2758	156	20	%	%	NOUN
ejif-2758	156	21	of	of	ADP
ejif-2758	156	22	the	the	DET
ejif-2758	156	23	financing	financing	NOUN
ejif-2758	156	24	portfolio	portfolio	NOUN
ejif-2758	156	25	provided	provide	VERB
ejif-2758	156	26	.	.	PUNCT
ejif-2758	157	1	it	it	PRON
ejif-2758	157	2	is	be	AUX
ejif-2758	157	3	no	no	DET
ejif-2758	157	4	secret	secret	NOUN
ejif-2758	157	5	that	that	SCONJ
ejif-2758	157	6	the	the	DET
ejif-2758	157	7	sme	sme	NOUN
ejif-2758	157	8	sector	sector	NOUN
ejif-2758	157	9	is	be	AUX
ejif-2758	157	10	an	an	DET
ejif-2758	157	11	area	area	NOUN
ejif-2758	157	12	with	with	ADP
ejif-2758	157	13	a	a	DET
ejif-2758	157	14	very	very	ADV
ejif-2758	157	15	high	high	ADJ
ejif-2758	157	16	yield	yield	NOUN
ejif-2758	157	17	,	,	PUNCT
ejif-2758	157	18	higher	high	ADJ
ejif-2758	157	19	than	than	ADP
ejif-2758	157	20	the	the	DET
ejif-2758	157	21	corporate	corporate	ADJ
ejif-2758	157	22	sector	sector	NOUN
ejif-2758	157	23	.	.	PUNCT
ejif-2758	158	1	al	al	PROPN
ejif-2758	158	2	ghumu	ghumu	PROPN
ejif-2758	158	3	bil	bil	NUM
ejif-2758	158	4	ghurmi	ghurmi	NOUN
ejif-2758	158	5	,	,	PUNCT
ejif-2758	158	6	high	high	ADJ
ejif-2758	158	7	-	-	PUNCT
ejif-2758	158	8	risk	risk	NOUN
ejif-2758	158	9	,	,	PUNCT
ejif-2758	158	10	high	high	ADJ
ejif-2758	158	11	return	return	NOUN
ejif-2758	158	12	,	,	PUNCT
ejif-2758	158	13	that	that	PRON
ejif-2758	158	14	is	be	AUX
ejif-2758	158	15	sunnatullah	sunnatullah	VERB
ejif-2758	158	16	.	.	PUNCT
ejif-2758	159	1	if	if	SCONJ
ejif-2758	159	2	you	you	PRON
ejif-2758	159	3	want	want	VERB
ejif-2758	159	4	to	to	PART
ejif-2758	159	5	get	get	VERB
ejif-2758	159	6	a	a	DET
ejif-2758	159	7	high	high	ADJ
ejif-2758	159	8	yield	yield	NOUN
ejif-2758	159	9	,	,	PUNCT
ejif-2758	159	10	then	then	ADV
ejif-2758	159	11	be	be	AUX
ejif-2758	159	12	prepared	prepared	ADJ
ejif-2758	159	13	to	to	PART
ejif-2758	159	14	bear	bear	VERB
ejif-2758	159	15	a	a	DET
ejif-2758	159	16	high	high	ADJ
ejif-2758	159	17	risk	risk	NOUN
ejif-2758	159	18	as	as	ADV
ejif-2758	159	19	well	well	ADV
ejif-2758	159	20	.	.	PUNCT
ejif-2758	160	1	therefore	therefore	ADV
ejif-2758	160	2	,	,	PUNCT
ejif-2758	160	3	the	the	DET
ejif-2758	160	4	islamic	islamic	PROPN
ejif-2758	160	5	bank	bank	PROPN
ejif-2758	160	6	risk	risk	NOUN
ejif-2758	160	7	management	management	NOUN
ejif-2758	160	8	system	system	NOUN
ejif-2758	160	9	needs	need	VERB
ejif-2758	160	10	to	to	PART
ejif-2758	160	11	be	be	AUX
ejif-2758	160	12	ready	ready	ADJ
ejif-2758	160	13	to	to	PART
ejif-2758	160	14	minimize	minimize	VERB
ejif-2758	160	15	adverse	adverse	ADJ
ejif-2758	160	16	selection	selection	NOUN
ejif-2758	160	17	risk	risk	NOUN
ejif-2758	160	18	and	and	CCONJ
ejif-2758	160	19	to	to	PART
ejif-2758	160	20	reduce	reduce	VERB
ejif-2758	160	21	the	the	DET
ejif-2758	160	22	necessary	necessary	ADJ
ejif-2758	160	23	monitoring	monitoring	NOUN
ejif-2758	160	24	costs	cost	NOUN
ejif-2758	160	25	.	.	PUNCT
ejif-2758	161	1	iv	iv	X
ejif-2758	161	2	.	.	NOUN
ejif-2758	161	3	results	result	NOUN
ejif-2758	161	4	and	and	CCONJ
ejif-2758	161	5	discussion	discussion	NOUN
ejif-2758	161	6	.	.	PUNCT
ejif-2758	162	1	a.	a.	PROPN
ejif-2758	162	2	bsm	bsm	PROPN
ejif-2758	162	3	micro	micro	PROPN
ejif-2758	162	4	banking	banking	PROPN
ejif-2758	162	5	scenario	scenario	PROPN
ejif-2758	162	6	as	as	SCONJ
ejif-2758	162	7	it	it	PRON
ejif-2758	162	8	was	be	AUX
ejif-2758	162	9	described	describe	VERB
ejif-2758	162	10	above	above	ADP
ejif-2758	162	11	the	the	DET
ejif-2758	162	12	analysis	analysis	NOUN
ejif-2758	162	13	was	be	AUX
ejif-2758	162	14	conducted	conduct	VERB
ejif-2758	162	15	in	in	ADP
ejif-2758	162	16	two	two	NUM
ejif-2758	162	17	bsm	bsm	PROPN
ejif-2758	162	18	sharia	sharia	PROPN
ejif-2758	162	19	branches	branch	NOUN
ejif-2758	162	20	.	.	PUNCT
ejif-2758	163	1	historically	historically	ADV
ejif-2758	163	2	,	,	PUNCT
ejif-2758	163	3	cengkareng	cengkareng	NOUN
ejif-2758	163	4	branch	branch	NOUN
ejif-2758	163	5	during	during	ADP
ejif-2758	163	6	2014	2014	NUM
ejif-2758	163	7	had	have	AUX
ejif-2758	163	8	faced	face	VERB
ejif-2758	163	9	an	an	DET
ejif-2758	163	10	unstable	unstable	ADJ
ejif-2758	163	11	financial	financial	ADJ
ejif-2758	163	12	situation	situation	NOUN
ejif-2758	163	13	where	where	SCONJ
ejif-2758	163	14	the	the	DET
ejif-2758	163	15	npf	npf	NOUN
ejif-2758	163	16	surpassed	surpass	VERB
ejif-2758	163	17	the	the	DET
ejif-2758	163	18	safe	safe	ADJ
ejif-2758	163	19	range	range	NOUN
ejif-2758	163	20	with	with	ADP
ejif-2758	163	21	an	an	DET
ejif-2758	163	22	npf	npf	NOUN
ejif-2758	163	23	higher	high	ADJ
ejif-2758	163	24	than	than	ADP
ejif-2758	163	25	10	10	NUM
ejif-2758	163	26	%	%	NOUN
ejif-2758	163	27	.	.	PUNCT
ejif-2758	164	1	therefore	therefore	ADV
ejif-2758	164	2	,	,	PUNCT
ejif-2758	164	3	cengkareng	cengkareng	PROPN
ejif-2758	164	4	had	have	VERB
ejif-2758	164	5	to	to	PART
ejif-2758	164	6	freeze	freeze	VERB
ejif-2758	164	7	the	the	DET
ejif-2758	164	8	credit	credit	NOUN
ejif-2758	164	9	unit	unit	NOUN
ejif-2758	164	10	,	,	PUNCT
ejif-2758	164	11	which	which	PRON
ejif-2758	164	12	entailed	entail	VERB
ejif-2758	164	13	that	that	SCONJ
ejif-2758	164	14	the	the	DET
ejif-2758	164	15	credit	credit	NOUN
ejif-2758	164	16	officers	officer	NOUN
ejif-2758	164	17	had	have	VERB
ejif-2758	164	18	to	to	PART
ejif-2758	164	19	stop	stop	VERB
ejif-2758	164	20	looking	look	VERB
ejif-2758	164	21	for	for	ADP
ejif-2758	164	22	clients	client	NOUN
ejif-2758	164	23	and	and	CCONJ
ejif-2758	164	24	focused	focus	VERB
ejif-2758	164	25	only	only	ADV
ejif-2758	164	26	on	on	ADP
ejif-2758	164	27	the	the	DET
ejif-2758	164	28	collection	collection	NOUN
ejif-2758	164	29	of	of	ADP
ejif-2758	164	30	installments	installment	NOUN
ejif-2758	164	31	of	of	ADP
ejif-2758	164	32	defaulting	default	VERB
ejif-2758	164	33	customers	customer	NOUN
ejif-2758	164	34	.	.	PUNCT
ejif-2758	165	1	currently	currently	ADV
ejif-2758	165	2	,	,	PUNCT
ejif-2758	165	3	cengkareng	cengkareng	PROPN
ejif-2758	165	4	branch	branch	NOUN
ejif-2758	165	5	has	have	AUX
ejif-2758	165	6	recovered	recover	VERB
ejif-2758	165	7	from	from	ADP
ejif-2758	165	8	the	the	DET
ejif-2758	165	9	bad	bad	ADJ
ejif-2758	165	10	situation	situation	NOUN
ejif-2758	165	11	and	and	CCONJ
ejif-2758	165	12	still	still	ADV
ejif-2758	165	13	walking	walk	VERB
ejif-2758	165	14	toward	toward	ADP
ejif-2758	165	15	continuous	continuous	ADJ
ejif-2758	165	16	improvement	improvement	NOUN
ejif-2758	165	17	,	,	PUNCT
ejif-2758	165	18	until	until	ADP
ejif-2758	165	19	now	now	ADV
ejif-2758	165	20	it	it	PRON
ejif-2758	165	21	has	have	VERB
ejif-2758	165	22	a	a	DET
ejif-2758	165	23	0,9	0,9	NUM
ejif-2758	165	24	%	%	NOUN
ejif-2758	165	25	of	of	ADP
ejif-2758	165	26	npf	npf	NOUN
ejif-2758	165	27	which	which	PRON
ejif-2758	165	28	still	still	ADV
ejif-2758	165	29	in	in	ADP
ejif-2758	165	30	the	the	DET
ejif-2758	165	31	green	green	PROPN
ejif-2758	165	32	zone	zone	NOUN
ejif-2758	165	33	.	.	PUNCT
ejif-2758	166	1	moreover	moreover	ADV
ejif-2758	166	2	,	,	PUNCT
ejif-2758	166	3	duri	duri	PROPN
ejif-2758	166	4	kosambi	kosambi	PROPN
ejif-2758	166	5	has	have	VERB
ejif-2758	166	6	a	a	DET
ejif-2758	166	7	different	different	ADJ
ejif-2758	166	8	landscape	landscape	NOUN
ejif-2758	166	9	because	because	SCONJ
ejif-2758	166	10	historically	historically	ADV
ejif-2758	166	11	it	it	PRON
ejif-2758	166	12	had	have	AUX
ejif-2758	166	13	managed	manage	VERB
ejif-2758	166	14	to	to	PART
ejif-2758	166	15	keep	keep	VERB
ejif-2758	166	16	an	an	DET
ejif-2758	166	17	acceptable	acceptable	ADJ
ejif-2758	166	18	npf	npf	NOUN
ejif-2758	166	19	of	of	ADP
ejif-2758	166	20	0	0	NUM
ejif-2758	166	21	%	%	NOUN
ejif-2758	166	22	,	,	PUNCT
ejif-2758	166	23	and	and	CCONJ
ejif-2758	166	24	currently	currently	ADV
ejif-2758	166	25	still	still	ADV
ejif-2758	166	26	maintains	maintain	VERB
ejif-2758	166	27	control	control	NOUN
ejif-2758	166	28	of	of	ADP
ejif-2758	166	29	the	the	DET
ejif-2758	166	30	npf	npf	NOUN
ejif-2758	166	31	because	because	SCONJ
ejif-2758	166	32	duri	duri	PROPN
ejif-2758	166	33	kosambi	kosambi	PROPN
ejif-2758	166	34	has	have	VERB
ejif-2758	166	35	active	active	ADJ
ejif-2758	166	36	screening	screening	NOUN
ejif-2758	166	37	strategies	strategy	NOUN
ejif-2758	166	38	that	that	PRON
ejif-2758	166	39	prevent	prevent	VERB
ejif-2758	166	40	adverse	adverse	ADJ
ejif-2758	166	41	selection	selection	NOUN
ejif-2758	166	42	.	.	PUNCT
ejif-2758	167	1	b.	b.	PROPN
ejif-2758	167	2	finding	finding	NOUN
ejif-2758	167	3	in	in	ADP
ejif-2758	167	4	the	the	DET
ejif-2758	167	5	fgd	fgd	PROPN
ejif-2758	167	6	with	with	ADP
ejif-2758	167	7	the	the	DET
ejif-2758	167	8	loan	loan	NOUN
ejif-2758	167	9	officers	officer	NOUN
ejif-2758	167	10	the	the	DET
ejif-2758	167	11	analysis	analysis	NOUN
ejif-2758	167	12	of	of	ADP
ejif-2758	167	13	responses	response	NOUN
ejif-2758	167	14	of	of	ADP
ejif-2758	167	15	the	the	DET
ejif-2758	167	16	fgd	fgd	PROPN
ejif-2758	167	17	in	in	ADP
ejif-2758	167	18	both	both	DET
ejif-2758	167	19	cengkareng	cengkareng	PROPN
ejif-2758	167	20	and	and	CCONJ
ejif-2758	167	21	duri	duri	PROPN
ejif-2758	167	22	kosambi	kosambi	PROPN
ejif-2758	167	23	branches	branches	PROPN
ejif-2758	167	24	highlights	highlight	VERB
ejif-2758	167	25	the	the	DET
ejif-2758	167	26	findings	finding	NOUN
ejif-2758	167	27	described	describe	VERB
ejif-2758	167	28	below	below	ADP
ejif-2758	167	29	:	:	PUNCT
ejif-2758	167	30	1	1	NUM
ejif-2758	167	31	)	)	PUNCT
ejif-2758	167	32	client	client	NOUN
ejif-2758	167	33	’s	’s	PART
ejif-2758	167	34	profile	profile	NOUN
ejif-2758	167	35	in	in	ADP
ejif-2758	167	36	cengkareng	cengkareng	NOUN
ejif-2758	167	37	,	,	PUNCT
ejif-2758	167	38	previously	previously	ADV
ejif-2758	167	39	during	during	ADP
ejif-2758	167	40	the	the	DET
ejif-2758	167	41	bad	bad	ADJ
ejif-2758	167	42	situation	situation	NOUN
ejif-2758	167	43	,	,	PUNCT
ejif-2758	167	44	the	the	DET
ejif-2758	167	45	portfolio	portfolio	NOUN
ejif-2758	167	46	was	be	AUX
ejif-2758	167	47	mainly	mainly	ADV
ejif-2758	167	48	compound	compound	VERB
ejif-2758	167	49	by	by	ADP
ejif-2758	167	50	entrepreneurs	entrepreneur	NOUN
ejif-2758	167	51	than	than	ADP
ejif-2758	167	52	employees	employee	NOUN
ejif-2758	167	53	,	,	PUNCT
ejif-2758	167	54	approximately	approximately	ADV
ejif-2758	167	55	60	60	NUM
ejif-2758	167	56	%	%	NOUN
ejif-2758	167	57	,	,	PUNCT
ejif-2758	167	58	and	and	CCONJ
ejif-2758	167	59	40	40	NUM
ejif-2758	167	60	%	%	NOUN
ejif-2758	167	61	respectively	respectively	ADV
ejif-2758	167	62	.	.	PUNCT
ejif-2758	168	1	however	however	ADV
ejif-2758	168	2	,	,	PUNCT
ejif-2758	168	3	currently	currently	ADV
ejif-2758	168	4	this	this	DET
ejif-2758	168	5	figure	figure	NOUN
ejif-2758	168	6	had	have	AUX
ejif-2758	168	7	changed	change	VERB
ejif-2758	168	8	,	,	PUNCT
ejif-2758	168	9	so	so	CCONJ
ejif-2758	168	10	at	at	ADP
ejif-2758	168	11	this	this	DET
ejif-2758	168	12	time	time	NOUN
ejif-2758	168	13	the	the	DET
ejif-2758	168	14	portfolio	portfolio	NOUN
ejif-2758	168	15	is	be	AUX
ejif-2758	168	16	60	60	NUM
ejif-2758	168	17	%	%	NOUN
ejif-2758	168	18	clients	client	NOUN
ejif-2758	168	19	with	with	ADP
ejif-2758	168	20	a	a	DET
ejif-2758	168	21	fixed	fix	VERB
ejif-2758	168	22	source	source	NOUN
ejif-2758	168	23	of	of	ADP
ejif-2758	168	24	income	income	NOUN
ejif-2758	168	25	such	such	ADJ
ejif-2758	168	26	employment	employment	NOUN
ejif-2758	168	27	,	,	PUNCT
ejif-2758	168	28	the	the	DET
ejif-2758	168	29	double	double	ADJ
ejif-2758	168	30	source	source	NOUN
ejif-2758	168	31	of	of	ADP
ejif-2758	168	32	income	income	NOUN
ejif-2758	168	33	,	,	PUNCT
ejif-2758	168	34	or	or	CCONJ
ejif-2758	168	35	lease	lease	NOUN
ejif-2758	168	36	business	business	NOUN
ejif-2758	168	37	,	,	PUNCT
ejif-2758	168	38	while	while	SCONJ
ejif-2758	168	39	the	the	DET
ejif-2758	168	40	rest	rest	NOUN
ejif-2758	168	41	40	40	NUM
ejif-2758	168	42	%	%	NOUN
ejif-2758	168	43	are	be	AUX
ejif-2758	168	44	clients	client	NOUN
ejif-2758	168	45	with	with	ADP
ejif-2758	168	46	their	their	PRON
ejif-2758	168	47	own	own	ADJ
ejif-2758	168	48	business	business	NOUN
ejif-2758	168	49	.	.	PUNCT
ejif-2758	169	1	in	in	ADP
ejif-2758	169	2	duri	duri	PROPN
ejif-2758	169	3	kosambi	kosambi	PROPN
ejif-2758	169	4	the	the	DET
ejif-2758	169	5	figure	figure	NOUN
ejif-2758	169	6	is	be	AUX
ejif-2758	169	7	opposite	opposite	ADJ
ejif-2758	169	8	;	;	PUNCT
ejif-2758	169	9	the	the	DET
ejif-2758	169	10	current	current	ADJ
ejif-2758	169	11	portfolio	portfolio	NOUN
ejif-2758	169	12	is	be	AUX
ejif-2758	169	13	mainly	mainly	ADV
ejif-2758	169	14	composed	compose	VERB
ejif-2758	169	15	of	of	ADP
ejif-2758	169	16	entrepreneurs	entrepreneur	NOUN
ejif-2758	169	17	approximately	approximately	ADV
ejif-2758	169	18	70	70	NUM
ejif-2758	169	19	%	%	NOUN
ejif-2758	169	20	,	,	PUNCT
ejif-2758	169	21	employees	employee	NOUN
ejif-2758	169	22	20	20	NUM
ejif-2758	169	23	%	%	NOUN
ejif-2758	169	24	and	and	CCONJ
ejif-2758	169	25	the	the	DET
ejif-2758	169	26	remaining	remain	VERB
ejif-2758	169	27	10	10	NUM
ejif-2758	169	28	%	%	NOUN
ejif-2758	169	29	are	be	AUX
ejif-2758	169	30	hybrid	hybrid	ADJ
ejif-2758	169	31	clients	client	NOUN
ejif-2758	169	32	,	,	PUNCT
ejif-2758	169	33	means	mean	VERB
ejif-2758	169	34	customers	customer	NOUN
ejif-2758	169	35	with	with	ADP
ejif-2758	169	36	more	more	ADJ
ejif-2758	169	37	than	than	ADP
ejif-2758	169	38	one	one	NUM
ejif-2758	169	39	source	source	NOUN
ejif-2758	169	40	of	of	ADP
ejif-2758	169	41	income	income	NOUN
ejif-2758	169	42	such	such	ADJ
ejif-2758	169	43	as	as	ADP
ejif-2758	169	44	employment	employment	NOUN
ejif-2758	169	45	and	and	CCONJ
ejif-2758	169	46	own	own	ADJ
ejif-2758	169	47	business	business	NOUN
ejif-2758	169	48	.	.	PUNCT
ejif-2758	170	1	2	2	X
ejif-2758	170	2	)	)	PUNCT
ejif-2758	170	3	training	training	NOUN
ejif-2758	170	4	for	for	ADP
ejif-2758	170	5	the	the	DET
ejif-2758	170	6	staff	staff	NOUN
ejif-2758	170	7	for	for	ADP
ejif-2758	170	8	the	the	DET
ejif-2758	170	9	staff	staff	NOUN
ejif-2758	170	10	training	training	NOUN
ejif-2758	170	11	,	,	PUNCT
ejif-2758	170	12	both	both	DET
ejif-2758	170	13	branches	branch	NOUN
ejif-2758	170	14	have	have	VERB
ejif-2758	170	15	the	the	DET
ejif-2758	170	16	same	same	ADJ
ejif-2758	170	17	understanding	understanding	NOUN
ejif-2758	170	18	of	of	ADP
ejif-2758	170	19	the	the	DET
ejif-2758	170	20	difference	difference	NOUN
ejif-2758	170	21	between	between	ADP
ejif-2758	170	22	formal	formal	ADJ
ejif-2758	170	23	and	and	CCONJ
ejif-2758	170	24	informal	informal	ADJ
ejif-2758	170	25	training	training	NOUN
ejif-2758	170	26	.	.	PUNCT
ejif-2758	171	1	in	in	ADP
ejif-2758	171	2	cengkareng	cengkareng	NOUN
ejif-2758	171	3	the	the	DET
ejif-2758	171	4	informal	informal	ADJ
ejif-2758	171	5	training	training	NOUN
ejif-2758	171	6	considers	consider	VERB
ejif-2758	171	7	a	a	DET
ejif-2758	171	8	group	group	NOUN
ejif-2758	171	9	in	in	ADP
ejif-2758	171	10	social	social	ADJ
ejif-2758	171	11	media	medium	NOUN
ejif-2758	171	12	(	(	PUNCT
ejif-2758	171	13	whatsapp	whatsapp	NOUN
ejif-2758	171	14	)	)	PUNCT
ejif-2758	171	15	that	that	PRON
ejif-2758	171	16	connects	connect	VERB
ejif-2758	171	17	all	all	DET
ejif-2758	171	18	the	the	DET
ejif-2758	171	19	micro	micro	ADJ
ejif-2758	171	20	team	team	NOUN
ejif-2758	171	21	to	to	PART
ejif-2758	171	22	share	share	VERB
ejif-2758	171	23	information	information	NOUN
ejif-2758	171	24	regarding	regard	VERB
ejif-2758	171	25	clients	client	NOUN
ejif-2758	171	26	,	,	PUNCT
ejif-2758	171	27	solve	solve	VERB
ejif-2758	171	28	together	together	ADV
ejif-2758	171	29	some	some	DET
ejif-2758	171	30	difficulties	difficulty	NOUN
ejif-2758	171	31	,	,	PUNCT
ejif-2758	171	32	etc	etc	X
ejif-2758	171	33	.	.	X
ejif-2758	172	1	furthermore	furthermore	ADV
ejif-2758	172	2	,	,	PUNCT
ejif-2758	172	3	the	the	DET
ejif-2758	172	4	team	team	NOUN
ejif-2758	172	5	has	have	VERB
ejif-2758	172	6	meetings	meeting	NOUN
ejif-2758	172	7	during	during	ADP
ejif-2758	172	8	the	the	DET
ejif-2758	172	9	breaks	break	NOUN
ejif-2758	172	10	exchange	exchange	NOUN
ejif-2758	172	11	information	information	NOUN
ejif-2758	172	12	between	between	ADP
ejif-2758	172	13	each	each	DET
ejif-2758	172	14	other	other	ADJ
ejif-2758	172	15	,	,	PUNCT
ejif-2758	172	16	also	also	ADV
ejif-2758	172	17	the	the	DET
ejif-2758	172	18	“	"	PUNCT
ejif-2758	172	19	day	day	NOUN
ejif-2758	172	20	of	of	ADP
ejif-2758	172	21	knowledge	knowledge	NOUN
ejif-2758	172	22	”	"	PUNCT
ejif-2758	172	23	(	(	PUNCT
ejif-2758	172	24	minimum	minimum	NOUN
ejif-2758	172	25	once	once	ADV
ejif-2758	172	26	per	per	ADP
ejif-2758	172	27	month	month	NOUN
ejif-2758	172	28	)	)	PUNCT
ejif-2758	172	29	to	to	PART
ejif-2758	172	30	solve	solve	VERB
ejif-2758	172	31	problems	problem	NOUN
ejif-2758	172	32	related	relate	VERB
ejif-2758	172	33	to	to	ADP
ejif-2758	172	34	the	the	DET
ejif-2758	172	35	services	service	NOUN
ejif-2758	172	36	,	,	PUNCT
ejif-2758	172	37	share	share	VERB
ejif-2758	172	38	some	some	DET
ejif-2758	172	39	knowledge	knowledge	NOUN
ejif-2758	172	40	,	,	PUNCT
ejif-2758	172	41	or	or	CCONJ
ejif-2758	172	42	answer	answer	VERB
ejif-2758	172	43	any	any	DET
ejif-2758	172	44	internal	internal	ADJ
ejif-2758	172	45	problem	problem	NOUN
ejif-2758	172	46	.	.	PUNCT
ejif-2758	173	1	in	in	ADP
ejif-2758	173	2	duri	duri	PROPN
ejif-2758	173	3	kosambi	kosambi	PROPN
ejif-2758	173	4	the	the	DET
ejif-2758	173	5	figure	figure	NOUN
ejif-2758	173	6	is	be	AUX
ejif-2758	173	7	similar	similar	ADJ
ejif-2758	173	8	.	.	PUNCT
ejif-2758	174	1	also	also	ADV
ejif-2758	174	2	,	,	PUNCT
ejif-2758	174	3	they	they	PRON
ejif-2758	174	4	have	have	VERB
ejif-2758	174	5	a	a	DET
ejif-2758	174	6	group	group	NOUN
ejif-2758	174	7	in	in	ADP
ejif-2758	174	8	the	the	DET
ejif-2758	174	9	social	social	ADJ
ejif-2758	174	10	media	medium	NOUN
ejif-2758	174	11	,	,	PUNCT
ejif-2758	174	12	but	but	CCONJ
ejif-2758	174	13	at	at	ADP
ejif-2758	174	14	the	the	DET
ejif-2758	174	15	end	end	NOUN
ejif-2758	174	16	of	of	ADP
ejif-2758	174	17	the	the	DET
ejif-2758	174	18	day	day	NOUN
ejif-2758	174	19	,	,	PUNCT
ejif-2758	174	20	all	all	DET
ejif-2758	174	21	the	the	DET
ejif-2758	174	22	micro	micro	ADJ
ejif-2758	174	23	team	team	NOUN
ejif-2758	174	24	has	have	VERB
ejif-2758	174	25	a	a	DET
ejif-2758	174	26	meeting	meeting	NOUN
ejif-2758	174	27	to	to	PART
ejif-2758	174	28	review	review	VERB
ejif-2758	174	29	the	the	DET
ejif-2758	174	30	agenda	agenda	NOUN
ejif-2758	174	31	’s	’s	PART
ejif-2758	174	32	compliance	compliance	NOUN
ejif-2758	174	33	,	,	PUNCT
ejif-2758	174	34	the	the	DET
ejif-2758	174	35	difficulties	difficulty	NOUN
ejif-2758	174	36	faced	face	VERB
ejif-2758	174	37	along	along	ADP
ejif-2758	174	38	the	the	DET
ejif-2758	174	39	day	day	NOUN
ejif-2758	174	40	and	and	CCONJ
ejif-2758	174	41	find	find	VERB
ejif-2758	174	42	together	together	ADV
ejif-2758	174	43	the	the	DET
ejif-2758	174	44	solution	solution	NOUN
ejif-2758	174	45	.	.	PUNCT
ejif-2758	175	1	for	for	ADP
ejif-2758	175	2	the	the	DET
ejif-2758	175	3	formal	formal	ADJ
ejif-2758	175	4	training	training	NOUN
ejif-2758	175	5	,	,	PUNCT
ejif-2758	175	6	both	both	DET
ejif-2758	175	7	institutions	institution	NOUN
ejif-2758	175	8	receive	receive	VERB
ejif-2758	175	9	workshops	workshop	NOUN
ejif-2758	175	10	from	from	ADP
ejif-2758	175	11	the	the	DET
ejif-2758	175	12	learning	learning	NOUN
ejif-2758	175	13	area	area	NOUN
ejif-2758	175	14	of	of	ADP
ejif-2758	175	15	bsm	bsm	PROPN
ejif-2758	175	16	headquarters	headquarters	PROPN
ejif-2758	175	17	,	,	PUNCT
ejif-2758	175	18	minimum	minimum	NOUN
ejif-2758	175	19	twice	twice	ADV
ejif-2758	175	20	per	per	ADP
ejif-2758	175	21	year	year	NOUN
ejif-2758	175	22	.	.	PUNCT
ejif-2758	176	1	the	the	DET
ejif-2758	176	2	loan	loan	NOUN
ejif-2758	176	3	officers	officer	NOUN
ejif-2758	176	4	have	have	VERB
ejif-2758	176	5	to	to	PART
ejif-2758	176	6	be	be	AUX
ejif-2758	176	7	prepared	prepare	VERB
ejif-2758	176	8	to	to	PART
ejif-2758	176	9	develop	develop	VERB
ejif-2758	176	10	many	many	ADJ
ejif-2758	176	11	functions	function	NOUN
ejif-2758	176	12	such	such	ADJ
ejif-2758	176	13	as	as	ADP
ejif-2758	176	14	sales	sale	NOUN
ejif-2758	176	15	,	,	PUNCT
ejif-2758	176	16	screening	screening	NOUN
ejif-2758	176	17	,	,	PUNCT
ejif-2758	176	18	monitoring	monitoring	NOUN
ejif-2758	176	19	,	,	PUNCT
ejif-2758	176	20	and	and	CCONJ
ejif-2758	176	21	collection	collection	NOUN
ejif-2758	176	22	.	.	PUNCT
ejif-2758	177	1	3	3	X
ejif-2758	177	2	)	)	PUNCT
ejif-2758	177	3	credit	credit	NOUN
ejif-2758	177	4	analysis	analysis	NOUN
ejif-2758	177	5	procedures	procedure	NOUN
ejif-2758	177	6	to	to	ADP
ejif-2758	177	7	some	some	DET
ejif-2758	177	8	extent	extent	NOUN
ejif-2758	177	9	,	,	PUNCT
ejif-2758	177	10	both	both	DET
ejif-2758	177	11	institutions	institution	NOUN
ejif-2758	177	12	have	have	VERB
ejif-2758	177	13	the	the	DET
ejif-2758	177	14	same	same	ADJ
ejif-2758	177	15	scheme	scheme	NOUN
ejif-2758	177	16	of	of	ADP
ejif-2758	177	17	credit	credit	NOUN
ejif-2758	177	18	analysis	analysis	NOUN
ejif-2758	177	19	thus	thus	ADV
ejif-2758	177	20	both	both	PRON
ejif-2758	177	21	assess	assess	VERB
ejif-2758	177	22	the	the	DET
ejif-2758	177	23	5c	5c	NOUN
ejif-2758	177	24	’s	’s	PART
ejif-2758	177	25	(	(	PUNCT
ejif-2758	177	26	character	character	NOUN
ejif-2758	177	27	,	,	PUNCT
ejif-2758	177	28	capacity	capacity	NOUN
ejif-2758	177	29	,	,	PUNCT
ejif-2758	177	30	collateral	collateral	NOUN
ejif-2758	177	31	,	,	PUNCT
ejif-2758	177	32	capital	capital	NOUN
ejif-2758	177	33	,	,	PUNCT
ejif-2758	177	34	and	and	CCONJ
ejif-2758	177	35	condition	condition	NOUN
ejif-2758	177	36	)	)	PUNCT
ejif-2758	177	37	.	.	PUNCT
ejif-2758	178	1	a	a	DET
ejif-2758	178	2	)	)	PUNCT
ejif-2758	178	3	character	character	NOUN
ejif-2758	178	4	:	:	PUNCT
ejif-2758	178	5	the	the	DET
ejif-2758	178	6	main	main	ADJ
ejif-2758	178	7	features	feature	NOUN
ejif-2758	178	8	that	that	PRON
ejif-2758	178	9	loan	loan	NOUN
ejif-2758	178	10	officers	officer	NOUN
ejif-2758	178	11	have	have	VERB
ejif-2758	178	12	to	to	PART
ejif-2758	178	13	consider	consider	VERB
ejif-2758	178	14	during	during	ADP
ejif-2758	178	15	the	the	DET
ejif-2758	178	16	character	character	NOUN
ejif-2758	178	17	assessment	assessment	NOUN
ejif-2758	178	18	are	be	AUX
ejif-2758	178	19	:	:	PUNCT
ejif-2758	178	20	data	datum	NOUN
ejif-2758	178	21	from	from	ADP
ejif-2758	178	22	the	the	DET
ejif-2758	178	23	credit	credit	NOUN
ejif-2758	178	24	bureau	bureau	NOUN
ejif-2758	178	25	,	,	PUNCT
ejif-2758	178	26	credit	credit	NOUN
ejif-2758	178	27	history	history	NOUN
ejif-2758	178	28	of	of	ADP
ejif-2758	178	29	the	the	DET
ejif-2758	178	30	client	client	NOUN
ejif-2758	178	31	,	,	PUNCT
ejif-2758	178	32	personal	personal	ADJ
ejif-2758	178	33	documents	document	NOUN
ejif-2758	178	34	,	,	PUNCT
ejif-2758	178	35	how	how	SCONJ
ejif-2758	178	36	is	be	AUX
ejif-2758	178	37	the	the	DET
ejif-2758	178	38	relationship	relationship	NOUN
ejif-2758	178	39	with	with	ADP
ejif-2758	178	40	his	his	PRON
ejif-2758	178	41	relatives	relative	NOUN
ejif-2758	178	42	,	,	PUNCT
ejif-2758	178	43	neighbors	neighbor	NOUN
ejif-2758	178	44	and	and	CCONJ
ejif-2758	178	45	suppliers	supplier	NOUN
ejif-2758	178	46	,	,	PUNCT
ejif-2758	178	47	testimony	testimony	NOUN
ejif-2758	178	48	from	from	ADP
ejif-2758	178	49	the	the	DET
ejif-2758	178	50	local	local	ADJ
ejif-2758	178	51	leader	leader	NOUN
ejif-2758	178	52	,	,	PUNCT
ejif-2758	178	53	corporal	corporal	ADJ
ejif-2758	178	54	expression	expression	NOUN
ejif-2758	178	55	during	during	ADP
ejif-2758	178	56	the	the	DET
ejif-2758	178	57	interview	interview	NOUN
ejif-2758	178	58	that	that	SCONJ
ejif-2758	178	59	the	the	DET
ejif-2758	178	60	client	client	NOUN
ejif-2758	178	61	’s	’s	PART
ejif-2758	178	62	honesty	honesty	NOUN
ejif-2758	178	63	.	.	PUNCT
ejif-2758	179	1	b	b	X
ejif-2758	179	2	)	)	PUNCT
ejif-2758	179	3	capacity	capacity	NOUN
ejif-2758	179	4	:	:	PUNCT
ejif-2758	179	5	at	at	ADP
ejif-2758	179	6	this	this	DET
ejif-2758	179	7	step	step	NOUN
ejif-2758	179	8	the	the	DET
ejif-2758	179	9	micro	micro	ADJ
ejif-2758	179	10	officers	officer	NOUN
ejif-2758	179	11	collect	collect	VERB
ejif-2758	179	12	information	information	NOUN
ejif-2758	179	13	from	from	ADP
ejif-2758	179	14	the	the	DET
ejif-2758	179	15	credit	credit	NOUN
ejif-2758	179	16	bureau	bureau	NOUN
ejif-2758	179	17	(	(	PUNCT
ejif-2758	179	18	collectability	collectability	NOUN
ejif-2758	179	19	category	category	NOUN
ejif-2758	179	20	,	,	PUNCT
ejif-2758	179	21	current	current	ADJ
ejif-2758	179	22	loans	loan	NOUN
ejif-2758	179	23	,	,	PUNCT
ejif-2758	179	24	etc	etc	X
ejif-2758	179	25	.	.	X
ejif-2758	179	26	)	)	PUNCT
ejif-2758	179	27	and	and	CCONJ
ejif-2758	179	28	to	to	ADP
ejif-2758	179	29	proofs	proof	NOUN
ejif-2758	179	30	of	of	ADP
ejif-2758	179	31	the	the	DET
ejif-2758	179	32	source	source	NOUN
ejif-2758	179	33	and	and	CCONJ
ejif-2758	179	34	the	the	DET
ejif-2758	179	35	amount	amount	NOUN
ejif-2758	179	36	of	of	ADP
ejif-2758	179	37	income	income	NOUN
ejif-2758	179	38	(	(	PUNCT
ejif-2758	179	39	inflows	inflow	NOUN
ejif-2758	179	40	)	)	PUNCT
ejif-2758	179	41	,	,	PUNCT
ejif-2758	179	42	clients	client	NOUN
ejif-2758	179	43	expenses	expense	NOUN
ejif-2758	179	44	(	(	PUNCT
ejif-2758	179	45	outflows	outflow	NOUN
ejif-2758	179	46	)	)	PUNCT
ejif-2758	179	47	,	,	PUNCT
ejif-2758	179	48	the	the	DET
ejif-2758	179	49	value	value	NOUN
ejif-2758	179	50	of	of	ADP
ejif-2758	179	51	the	the	DET
ejif-2758	179	52	customer	customer	NOUN
ejif-2758	179	53	’s	’s	PART
ejif-2758	179	54	ownership	ownership	NOUN
ejif-2758	179	55	(	(	PUNCT
ejif-2758	179	56	house	house	NOUN
ejif-2758	179	57	,	,	PUNCT
ejif-2758	179	58	vehicle	vehicle	NOUN
ejif-2758	179	59	,	,	PUNCT
ejif-2758	179	60	inventory	inventory	NOUN
ejif-2758	179	61	)	)	PUNCT
ejif-2758	179	62	,	,	PUNCT
ejif-2758	179	63	payment	payment	NOUN
ejif-2758	179	64	system	system	NOUN
ejif-2758	179	65	with	with	ADP
ejif-2758	179	66	his	his	PRON
ejif-2758	179	67	supplier.deletion	supplier.deletion	NOUN
ejif-2758	179	68	:	:	PUNCT
ejif-2758	179	69	delete	delete	VERB
ejif-2758	179	70	the	the	DET
ejif-2758	179	71	author	author	NOUN
ejif-2758	179	72	and	and	CCONJ
ejif-2758	179	73	affiliation	affiliation	NOUN
ejif-2758	179	74	lines	line	NOUN
ejif-2758	179	75	for	for	ADP
ejif-2758	179	76	the	the	DET
ejif-2758	179	77	second	second	ADJ
ejif-2758	179	78	affiliation	affiliation	NOUN
ejif-2758	179	79	.	.	PUNCT
ejif-2758	180	1	c	c	X
ejif-2758	180	2	)	)	PUNCT
ejif-2758	180	3	collateral	collateral	NOUN
ejif-2758	180	4	:	:	PUNCT
ejif-2758	180	5	at	at	ADP
ejif-2758	180	6	this	this	DET
ejif-2758	180	7	level	level	NOUN
ejif-2758	180	8	,	,	PUNCT
ejif-2758	180	9	the	the	DET
ejif-2758	180	10	credit	credit	NOUN
ejif-2758	180	11	agency	agency	NOUN
ejif-2758	180	12	has	have	VERB
ejif-2758	180	13	to	to	PART
ejif-2758	180	14	collect	collect	VERB
ejif-2758	180	15	information	information	NOUN
ejif-2758	180	16	about	about	ADP
ejif-2758	180	17	the	the	DET
ejif-2758	180	18	assets	asset	NOUN
ejif-2758	180	19	that	that	PRON
ejif-2758	180	20	the	the	DET
ejif-2758	180	21	clients	client	NOUN
ejif-2758	180	22	present	present	ADJ
ejif-2758	180	23	as	as	ADP
ejif-2758	180	24	collateral	collateral	NOUN
ejif-2758	180	25	such	such	ADJ
ejif-2758	180	26	us	us	PROPN
ejif-2758	180	27	certificates	certificate	NOUN
ejif-2758	180	28	of	of	ADP
ejif-2758	180	29	ownership	ownership	NOUN
ejif-2758	180	30	,	,	PUNCT
ejif-2758	180	31	land	land	NOUN
ejif-2758	180	32	location	location	NOUN
ejif-2758	180	33	,	,	PUNCT
ejif-2758	180	34	the	the	DET
ejif-2758	180	35	market	market	NOUN
ejif-2758	180	36	value	value	NOUN
ejif-2758	180	37	of	of	ADP
ejif-2758	180	38	the	the	DET
ejif-2758	180	39	property	property	NOUN
ejif-2758	180	40	,	,	PUNCT
ejif-2758	180	41	check	check	VERB
ejif-2758	180	42	the	the	DET
ejif-2758	180	43	taxation	taxation	NOUN
ejif-2758	180	44	of	of	ADP
ejif-2758	180	45	the	the	DET
ejif-2758	180	46	building.deletion	building.deletion	NOUN
ejif-2758	180	47	:	:	PUNCT
ejif-2758	180	48	delete	delete	VERB
ejif-2758	180	49	the	the	DET
ejif-2758	180	50	author	author	NOUN
ejif-2758	180	51	and	and	CCONJ
ejif-2758	180	52	affiliation	affiliation	NOUN
ejif-2758	180	53	lines	line	NOUN
ejif-2758	180	54	for	for	ADP
ejif-2758	180	55	the	the	DET
ejif-2758	180	56	second	second	ADJ
ejif-2758	180	57	affiliation	affiliation	NOUN
ejif-2758	180	58	.	.	PUNCT
ejif-2758	181	1	d	d	X
ejif-2758	181	2	)	)	PUNCT
ejif-2758	181	3	capital	capital	NOUN
ejif-2758	181	4	:	:	PUNCT
ejif-2758	181	5	the	the	DET
ejif-2758	181	6	micro	micro	ADJ
ejif-2758	181	7	officer	officer	NOUN
ejif-2758	181	8	has	have	VERB
ejif-2758	181	9	to	to	PART
ejif-2758	181	10	build	build	VERB
ejif-2758	181	11	the	the	DET
ejif-2758	181	12	balance	balance	NOUN
ejif-2758	181	13	sheet	sheet	NOUN
ejif-2758	181	14	using	use	VERB
ejif-2758	181	15	the	the	DET
ejif-2758	181	16	information	information	NOUN
ejif-2758	181	17	provided	provide	VERB
ejif-2758	181	18	by	by	ADP
ejif-2758	181	19	the	the	DET
ejif-2758	181	20	client	client	NOUN
ejif-2758	181	21	and	and	CCONJ
ejif-2758	181	22	evaluates	evaluate	VERB
ejif-2758	181	23	the	the	DET
ejif-2758	181	24	value	value	NOUN
ejif-2758	181	25	of	of	ADP
ejif-2758	181	26	the	the	DET
ejif-2758	181	27	customer	customer	NOUN
ejif-2758	181	28	’s	’s	PART
ejif-2758	181	29	equity	equity	NOUN
ejif-2758	181	30	.	.	PUNCT
ejif-2758	182	1	e	e	X
ejif-2758	182	2	)	)	PUNCT
ejif-2758	182	3	condition	condition	NOUN
ejif-2758	182	4	:	:	PUNCT
ejif-2758	182	5	this	this	DET
ejif-2758	182	6	stage	stage	NOUN
ejif-2758	182	7	entails	entail	VERB
ejif-2758	182	8	an	an	DET
ejif-2758	182	9	assessment	assessment	NOUN
ejif-2758	182	10	of	of	ADP
ejif-2758	182	11	economic	economic	ADJ
ejif-2758	182	12	and	and	CCONJ
ejif-2758	182	13	market	market	NOUN
ejif-2758	182	14	features	feature	NOUN
ejif-2758	182	15	that	that	PRON
ejif-2758	182	16	might	might	AUX
ejif-2758	182	17	insert	insert	VERB
ejif-2758	182	18	risk	risk	NOUN
ejif-2758	182	19	of	of	ADP
ejif-2758	182	20	default	default	NOUN
ejif-2758	182	21	in	in	ADP
ejif-2758	182	22	the	the	DET
ejif-2758	182	23	applicant	applicant	NOUN
ejif-2758	182	24	.	.	PUNCT
ejif-2758	183	1	both	both	DET
ejif-2758	183	2	institutions	institution	NOUN
ejif-2758	183	3	(	(	PUNCT
ejif-2758	183	4	cengkareng	cengkareng	PROPN
ejif-2758	183	5	and	and	CCONJ
ejif-2758	183	6	duri	duri	PROPN
ejif-2758	183	7	kosambi	kosambi	PROPN
ejif-2758	183	8	)	)	PUNCT
ejif-2758	183	9	are	be	AUX
ejif-2758	183	10	consistent	consistent	ADJ
ejif-2758	183	11	with	with	ADP
ejif-2758	183	12	the	the	DET
ejif-2758	183	13	fact	fact	NOUN
ejif-2758	183	14	that	that	PRON
ejif-2758	183	15	is	be	AUX
ejif-2758	183	16	important	important	ADJ
ejif-2758	183	17	to	to	PART
ejif-2758	183	18	assess	assess	VERB
ejif-2758	183	19	the	the	DET
ejif-2758	183	20	5c	5c	NOUN
ejif-2758	183	21	’s	’s	NOUN
ejif-2758	183	22	.	.	PUNCT
ejif-2758	184	1	however	however	ADV
ejif-2758	184	2	,	,	PUNCT
ejif-2758	184	3	both	both	PRON
ejif-2758	184	4	consider	consider	VERB
ejif-2758	184	5	that	that	PRON
ejif-2758	184	6	for	for	ADP
ejif-2758	184	7	micro	micro	ADJ
ejif-2758	184	8	banking	banking	NOUN
ejif-2758	184	9	clients	client	NOUN
ejif-2758	184	10	the	the	DET
ejif-2758	184	11	ejif	ejif	PROPN
ejif-2758	184	12	–	–	PUNCT
ejif-2758	184	13	european	european	PROPN
ejif-2758	184	14	journal	journal	PROPN
ejif-2758	184	15	of	of	ADP
ejif-2758	184	16	islamic	islamic	PROPN
ejif-2758	184	17	finance	finance	PROPN
ejif-2758	184	18	no11	no11	PROPN
ejif-2758	184	19	,	,	PUNCT
ejif-2758	184	20	december	december	PROPN
ejif-2758	184	21	(	(	PUNCT
ejif-2758	184	22	2018	2018	NUM
ejif-2758	184	23	)	)	PUNCT
ejif-2758	184	24	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	184	25	issn	issn	VERB
ejif-2758	184	26	2421	2421	NUM
ejif-2758	184	27	-	-	SYM
ejif-2758	184	28	2172	2172	NUM
ejif-2758	184	29	6	6	NUM
ejif-2758	184	30	character	character	NOUN
ejif-2758	184	31	,	,	PUNCT
ejif-2758	184	32	capacity	capacity	NOUN
ejif-2758	184	33	,	,	PUNCT
ejif-2758	184	34	and	and	CCONJ
ejif-2758	184	35	collateral	collateral	NOUN
ejif-2758	184	36	are	be	AUX
ejif-2758	184	37	the	the	DET
ejif-2758	184	38	most	most	ADV
ejif-2758	184	39	critical	critical	ADJ
ejif-2758	184	40	features	feature	NOUN
ejif-2758	184	41	in	in	ADP
ejif-2758	184	42	credit	credit	NOUN
ejif-2758	184	43	analysis	analysis	NOUN
ejif-2758	184	44	.	.	PUNCT
ejif-2758	185	1	4	4	X
ejif-2758	185	2	)	)	PUNCT
ejif-2758	185	3	npf	npf	NOUN
ejif-2758	185	4	management	management	NOUN
ejif-2758	185	5	both	both	DET
ejif-2758	185	6	institutions	institution	NOUN
ejif-2758	185	7	are	be	AUX
ejif-2758	185	8	governed	govern	VERB
ejif-2758	185	9	by	by	ADP
ejif-2758	185	10	the	the	DET
ejif-2758	185	11	central	central	PROPN
ejif-2758	185	12	bank	bank	PROPN
ejif-2758	185	13	regulation	regulation	NOUN
ejif-2758	185	14	that	that	PRON
ejif-2758	185	15	classifies	classify	VERB
ejif-2758	185	16	the	the	DET
ejif-2758	185	17	client	client	NOUN
ejif-2758	185	18	compliance	compliance	NOUN
ejif-2758	185	19	in	in	ADP
ejif-2758	185	20	five	five	NUM
ejif-2758	185	21	categories	category	NOUN
ejif-2758	185	22	.	.	PUNCT
ejif-2758	186	1	however	however	ADV
ejif-2758	186	2	,	,	PUNCT
ejif-2758	186	3	the	the	DET
ejif-2758	186	4	actions	action	NOUN
ejif-2758	186	5	for	for	ADP
ejif-2758	186	6	each	each	DET
ejif-2758	186	7	category	category	NOUN
ejif-2758	186	8	depending	depend	VERB
ejif-2758	186	9	on	on	ADP
ejif-2758	186	10	the	the	DET
ejif-2758	186	11	different	different	ADJ
ejif-2758	186	12	level	level	NOUN
ejif-2758	186	13	of	of	ADP
ejif-2758	186	14	client	client	NOUN
ejif-2758	186	15	's	's	PART
ejif-2758	186	16	overdue	overdue	ADJ
ejif-2758	186	17	.	.	PUNCT
ejif-2758	187	1	therefore	therefore	ADV
ejif-2758	187	2	,	,	PUNCT
ejif-2758	187	3	the	the	DET
ejif-2758	187	4	pressure	pressure	NOUN
ejif-2758	187	5	strategies	strategy	NOUN
ejif-2758	187	6	will	will	AUX
ejif-2758	187	7	tend	tend	VERB
ejif-2758	187	8	to	to	PART
ejif-2758	187	9	increase	increase	VERB
ejif-2758	187	10	in	in	ADP
ejif-2758	187	11	parallel	parallel	NOUN
ejif-2758	187	12	with	with	ADP
ejif-2758	187	13	the	the	DET
ejif-2758	187	14	time	time	NOUN
ejif-2758	187	15	of	of	ADP
ejif-2758	187	16	default	default	NOUN
ejif-2758	187	17	.	.	PUNCT
ejif-2758	188	1	the	the	DET
ejif-2758	188	2	enforcement	enforcement	NOUN
ejif-2758	188	3	tools	tool	NOUN
ejif-2758	188	4	described	describe	VERB
ejif-2758	188	5	in	in	ADP
ejif-2758	188	6	the	the	DET
ejif-2758	188	7	fgd	fgd	PROPN
ejif-2758	188	8	consider	consider	VERB
ejif-2758	188	9	calls	call	NOUN
ejif-2758	188	10	,	,	PUNCT
ejif-2758	188	11	messages	message	NOUN
ejif-2758	188	12	,	,	PUNCT
ejif-2758	188	13	and	and	CCONJ
ejif-2758	188	14	visits	visit	NOUN
ejif-2758	188	15	to	to	ADP
ejif-2758	188	16	clients	client	NOUN
ejif-2758	188	17	,	,	PUNCT
ejif-2758	188	18	shock	shock	NOUN
ejif-2758	188	19	therapies	therapy	NOUN
ejif-2758	188	20	that	that	PRON
ejif-2758	188	21	consist	consist	VERB
ejif-2758	188	22	into	into	ADP
ejif-2758	188	23	visiting	visit	VERB
ejif-2758	188	24	the	the	DET
ejif-2758	188	25	clients	client	NOUN
ejif-2758	188	26	with	with	ADP
ejif-2758	188	27	all	all	DET
ejif-2758	188	28	the	the	DET
ejif-2758	188	29	micro	micro	ADJ
ejif-2758	188	30	team	team	NOUN
ejif-2758	188	31	to	to	PART
ejif-2758	188	32	put	put	VERB
ejif-2758	188	33	pressure	pressure	NOUN
ejif-2758	188	34	on	on	ADP
ejif-2758	188	35	him	he	PRON
ejif-2758	188	36	,	,	PUNCT
ejif-2758	188	37	use	use	VERB
ejif-2758	188	38	the	the	DET
ejif-2758	188	39	religion	religion	NOUN
ejif-2758	188	40	as	as	ADP
ejif-2758	188	41	an	an	DET
ejif-2758	188	42	enforcement	enforcement	NOUN
ejif-2758	188	43	collection	collection	NOUN
ejif-2758	188	44	mechanism	mechanism	NOUN
ejif-2758	188	45	,	,	PUNCT
ejif-2758	188	46	use	use	VERB
ejif-2758	188	47	the	the	DET
ejif-2758	188	48	relatives	relative	NOUN
ejif-2758	188	49	,	,	PUNCT
ejif-2758	188	50	family	family	NOUN
ejif-2758	188	51	and	and	CCONJ
ejif-2758	188	52	local	local	ADJ
ejif-2758	188	53	leader	leader	NOUN
ejif-2758	188	54	,	,	PUNCT
ejif-2758	188	55	warning	warning	NOUN
ejif-2758	188	56	letters	letter	NOUN
ejif-2758	188	57	,	,	PUNCT
ejif-2758	188	58	among	among	ADP
ejif-2758	188	59	others	other	NOUN
ejif-2758	188	60	.	.	PUNCT
ejif-2758	189	1	table	table	NOUN
ejif-2758	189	2	1	1	NUM
ejif-2758	189	3	.	.	PUNCT
ejif-2758	190	1	the	the	DET
ejif-2758	190	2	client	client	NOUN
ejif-2758	190	3	's	's	PART
ejif-2758	190	4	compliance	compliance	NOUN
ejif-2758	190	5	they	they	PRON
ejif-2758	190	6	are	be	AUX
ejif-2758	190	7	categorized	categorize	VERB
ejif-2758	190	8	and	and	CCONJ
ejif-2758	190	9	treated	treat	VERB
ejif-2758	190	10	as	as	ADP
ejif-2758	190	11	following	follow	VERB
ejif-2758	190	12	5	5	NUM
ejif-2758	190	13	)	)	PUNCT
ejif-2758	190	14	sources	source	NOUN
ejif-2758	190	15	of	of	ADP
ejif-2758	190	16	default	default	NOUN
ejif-2758	190	17	regarding	regard	VERB
ejif-2758	190	18	the	the	DET
ejif-2758	190	19	internal	internal	ADJ
ejif-2758	190	20	source	source	NOUN
ejif-2758	190	21	of	of	ADP
ejif-2758	190	22	default	default	NOUN
ejif-2758	190	23	,	,	PUNCT
ejif-2758	190	24	the	the	DET
ejif-2758	190	25	perception	perception	NOUN
ejif-2758	190	26	of	of	ADP
ejif-2758	190	27	both	both	DET
ejif-2758	190	28	institutions	institution	NOUN
ejif-2758	190	29	is	be	AUX
ejif-2758	190	30	different	different	ADJ
ejif-2758	190	31	.	.	PUNCT
ejif-2758	191	1	in	in	ADP
ejif-2758	191	2	cengkareng	cengkareng	NOUN
ejif-2758	191	3	the	the	DET
ejif-2758	191	4	internal	internal	ADJ
ejif-2758	191	5	factors	factor	NOUN
ejif-2758	191	6	are	be	AUX
ejif-2758	191	7	related	relate	VERB
ejif-2758	191	8	to	to	ADP
ejif-2758	191	9	the	the	DET
ejif-2758	191	10	internal	internal	ADJ
ejif-2758	191	11	operations	operation	NOUN
ejif-2758	191	12	of	of	ADP
ejif-2758	191	13	the	the	DET
ejif-2758	191	14	branch	branch	NOUN
ejif-2758	191	15	while	while	SCONJ
ejif-2758	191	16	in	in	ADP
ejif-2758	191	17	duri	duri	PROPN
ejif-2758	191	18	kosambi	kosambi	PROPN
ejif-2758	191	19	the	the	DET
ejif-2758	191	20	internal	internal	ADJ
ejif-2758	191	21	source	source	NOUN
ejif-2758	191	22	is	be	AUX
ejif-2758	191	23	related	relate	VERB
ejif-2758	191	24	to	to	ADP
ejif-2758	191	25	internal	internal	ADJ
ejif-2758	191	26	problems	problem	NOUN
ejif-2758	191	27	in	in	ADP
ejif-2758	191	28	the	the	DET
ejif-2758	191	29	client	client	NOUN
ejif-2758	191	30	's	's	PART
ejif-2758	191	31	household	household	NOUN
ejif-2758	191	32	such	such	ADJ
ejif-2758	191	33	family	family	NOUN
ejif-2758	191	34	problems	problem	NOUN
ejif-2758	191	35	,	,	PUNCT
ejif-2758	191	36	loan	loan	NOUN
ejif-2758	191	37	sharing	sharing	NOUN
ejif-2758	191	38	,	,	PUNCT
ejif-2758	191	39	liquidity	liquidity	NOUN
ejif-2758	191	40	problems	problem	NOUN
ejif-2758	191	41	.	.	PUNCT
ejif-2758	192	1	though	though	ADV
ejif-2758	192	2	,	,	PUNCT
ejif-2758	192	3	regarding	regard	VERB
ejif-2758	192	4	the	the	DET
ejif-2758	192	5	external	external	ADJ
ejif-2758	192	6	source	source	NOUN
ejif-2758	192	7	of	of	ADP
ejif-2758	192	8	default	default	NOUN
ejif-2758	192	9	,	,	PUNCT
ejif-2758	192	10	both	both	DET
ejif-2758	192	11	institutions	institution	NOUN
ejif-2758	192	12	agreed	agree	VERB
ejif-2758	192	13	that	that	SCONJ
ejif-2758	192	14	the	the	DET
ejif-2758	192	15	main	main	ADJ
ejif-2758	192	16	issue	issue	NOUN
ejif-2758	192	17	is	be	AUX
ejif-2758	192	18	related	relate	VERB
ejif-2758	192	19	market	market	NOUN
ejif-2758	192	20	and	and	CCONJ
ejif-2758	192	21	economy	economy	NOUN
ejif-2758	192	22	.	.	PUNCT
ejif-2758	193	1	table	table	NOUN
ejif-2758	193	2	2	2	NUM
ejif-2758	193	3	.	.	PUNCT
ejif-2758	194	1	the	the	DET
ejif-2758	194	2	major	major	ADJ
ejif-2758	194	3	causes	cause	NOUN
ejif-2758	194	4	of	of	ADP
ejif-2758	194	5	default	default	NOUN
ejif-2758	194	6	among	among	ADP
ejif-2758	194	7	the	the	DET
ejif-2758	194	8	clients	client	NOUN
ejif-2758	194	9	(	(	PUNCT
ejif-2758	194	10	internal	internal	ADJ
ejif-2758	194	11	factor	factor	NOUN
ejif-2758	194	12	evaluation	evaluation	NOUN
ejif-2758	194	13	and	and	CCONJ
ejif-2758	194	14	external	external	ADJ
ejif-2758	194	15	factor	factor	NOUN
ejif-2758	194	16	evaluation	evaluation	NOUN
ejif-2758	194	17	)	)	PUNCT
ejif-2758	194	18	cengkareng	cengkareng	NOUN
ejif-2758	194	19	internal	internal	VERB
ejif-2758	194	20	the	the	DET
ejif-2758	194	21	performance	performance	NOUN
ejif-2758	194	22	of	of	ADP
ejif-2758	194	23	the	the	DET
ejif-2758	194	24	business	business	NOUN
ejif-2758	194	25	external	external	ADJ
ejif-2758	194	26	market	market	NOUN
ejif-2758	194	27	risk	risk	NOUN
ejif-2758	194	28	duri	duri	PROPN
ejif-2758	194	29	kosambi	kosambi	PROPN
ejif-2758	194	30	internal	internal	PROPN
ejif-2758	194	31	-family	-family	PROPN
ejif-2758	194	32	problems	problem	NOUN
ejif-2758	194	33	(	(	PUNCT
ejif-2758	194	34	marriage	marriage	NOUN
ejif-2758	194	35	,	,	PUNCT
ejif-2758	194	36	children	child	NOUN
ejif-2758	194	37	,	,	PUNCT
ejif-2758	194	38	relatives	relative	NOUN
ejif-2758	194	39	)	)	PUNCT
ejif-2758	194	40	-the	-the	DET
ejif-2758	194	41	client	client	NOUN
ejif-2758	194	42	asks	ask	VERB
ejif-2758	194	43	the	the	DET
ejif-2758	194	44	loan	loan	NOUN
ejif-2758	194	45	for	for	ADP
ejif-2758	194	46	another	another	DET
ejif-2758	194	47	person	person	NOUN
ejif-2758	194	48	(	(	PUNCT
ejif-2758	194	49	fake	fake	ADJ
ejif-2758	194	50	loans	loan	NOUN
ejif-2758	194	51	,	,	PUNCT
ejif-2758	195	1	broker	broker	NOUN
ejif-2758	195	2	)	)	PUNCT
ejif-2758	195	3	-share	-share	NOUN
ejif-2758	195	4	the	the	DET
ejif-2758	195	5	loan	loan	NOUN
ejif-2758	195	6	mainly	mainly	ADV
ejif-2758	195	7	between	between	ADP
ejif-2758	195	8	family	family	NOUN
ejif-2758	195	9	members	member	NOUN
ejif-2758	195	10	(	(	PUNCT
ejif-2758	195	11	broker	broker	NOUN
ejif-2758	195	12	activity	activity	NOUN
ejif-2758	195	13	)	)	PUNCT
ejif-2758	195	14	liquidity	liquidity	NOUN
ejif-2758	195	15	problems	problem	NOUN
ejif-2758	195	16	(	(	PUNCT
ejif-2758	195	17	accounts	account	NOUN
ejif-2758	195	18	receivables	receivables	NOUN
ejif-2758	195	19	)	)	PUNCT
ejif-2758	195	20	external	external	ADJ
ejif-2758	195	21	-market	-market	NOUN
ejif-2758	195	22	risk	risk	NOUN
ejif-2758	195	23	-changes	-change	NOUN
ejif-2758	195	24	in	in	ADP
ejif-2758	195	25	the	the	DET
ejif-2758	195	26	macro	macro	ADJ
ejif-2758	195	27	economy	economy	NOUN
ejif-2758	195	28	conditions	condition	NOUN
ejif-2758	195	29	6	6	NUM
ejif-2758	195	30	)	)	PUNCT
ejif-2758	195	31	differences	difference	NOUN
ejif-2758	195	32	between	between	ADP
ejif-2758	195	33	conventional	conventional	ADJ
ejif-2758	195	34	and	and	CCONJ
ejif-2758	195	35	islamic	islamic	ADJ
ejif-2758	195	36	banking	banking	NOUN
ejif-2758	195	37	both	both	DET
ejif-2758	195	38	institutions	institution	NOUN
ejif-2758	195	39	stress	stress	VERB
ejif-2758	195	40	that	that	SCONJ
ejif-2758	195	41	enforcement	enforcement	NOUN
ejif-2758	195	42	procedures	procedure	NOUN
ejif-2758	195	43	are	be	AUX
ejif-2758	195	44	the	the	DET
ejif-2758	195	45	main	main	ADJ
ejif-2758	195	46	difference	difference	NOUN
ejif-2758	195	47	between	between	ADP
ejif-2758	195	48	conventional	conventional	ADJ
ejif-2758	195	49	and	and	CCONJ
ejif-2758	195	50	islamic	islamic	ADJ
ejif-2758	195	51	banking	banking	NOUN
ejif-2758	195	52	.	.	PUNCT
ejif-2758	196	1	according	accord	VERB
ejif-2758	196	2	to	to	ADP
ejif-2758	196	3	their	their	PRON
ejif-2758	196	4	comments	comment	NOUN
ejif-2758	196	5	,	,	PUNCT
ejif-2758	196	6	islamic	islamic	ADJ
ejif-2758	196	7	banks	bank	NOUN
ejif-2758	196	8	use	use	VERB
ejif-2758	196	9	the	the	DET
ejif-2758	196	10	religious	religious	ADJ
ejif-2758	196	11	values	value	NOUN
ejif-2758	196	12	as	as	ADP
ejif-2758	196	13	an	an	DET
ejif-2758	196	14	enforcement	enforcement	NOUN
ejif-2758	196	15	mechanism	mechanism	NOUN
ejif-2758	196	16	thus	thus	ADV
ejif-2758	196	17	they	they	PRON
ejif-2758	196	18	appeal	appeal	VERB
ejif-2758	196	19	to	to	ADP
ejif-2758	196	20	the	the	DET
ejif-2758	196	21	client	client	NOUN
ejif-2758	196	22	’s	’s	PART
ejif-2758	196	23	conscious	conscious	ADJ
ejif-2758	196	24	.	.	PUNCT
ejif-2758	197	1	also	also	ADV
ejif-2758	197	2	,	,	PUNCT
ejif-2758	197	3	the	the	DET
ejif-2758	197	4	intensity	intensity	NOUN
ejif-2758	197	5	of	of	ADP
ejif-2758	197	6	enforcement	enforcement	NOUN
ejif-2758	197	7	practices	practice	NOUN
ejif-2758	197	8	among	among	ADP
ejif-2758	197	9	islamic	islamic	ADJ
ejif-2758	197	10	banks	bank	NOUN
ejif-2758	197	11	increases	increase	VERB
ejif-2758	197	12	progressively	progressively	ADV
ejif-2758	197	13	while	while	SCONJ
ejif-2758	197	14	in	in	ADP
ejif-2758	197	15	the	the	DET
ejif-2758	197	16	conventional	conventional	ADJ
ejif-2758	197	17	sector	sector	NOUN
ejif-2758	197	18	the	the	DET
ejif-2758	197	19	enforcement	enforcement	NOUN
ejif-2758	197	20	procedures	procedure	NOUN
ejif-2758	197	21	tend	tend	VERB
ejif-2758	197	22	to	to	PART
ejif-2758	197	23	be	be	AUX
ejif-2758	197	24	more	more	ADV
ejif-2758	197	25	severe	severe	ADJ
ejif-2758	197	26	since	since	SCONJ
ejif-2758	197	27	the	the	DET
ejif-2758	197	28	beginning	beginning	NOUN
ejif-2758	197	29	.	.	PUNCT
ejif-2758	198	1	table	table	NOUN
ejif-2758	198	2	3	3	NUM
ejif-2758	198	3	.	.	PUNCT
ejif-2758	199	1	the	the	DET
ejif-2758	199	2	main	main	ADJ
ejif-2758	199	3	differences	difference	NOUN
ejif-2758	199	4	between	between	ADP
ejif-2758	199	5	conventional	conventional	ADJ
ejif-2758	199	6	and	and	CCONJ
ejif-2758	199	7	islamic	islamic	ADJ
ejif-2758	199	8	banking	banking	NOUN
ejif-2758	199	9	during	during	ADP
ejif-2758	199	10	the	the	DET
ejif-2758	199	11	collection	collection	NOUN
ejif-2758	199	12	practices	practice	NOUN
ejif-2758	199	13	cengkareng	cengkareng	PROPN
ejif-2758	199	14	islamic	islamic	PROPN
ejif-2758	199	15	conventional	conventional	ADJ
ejif-2758	199	16	not	not	ADV
ejif-2758	199	17	allowed	allow	VERB
ejif-2758	199	18	to	to	PART
ejif-2758	199	19	be	be	AUX
ejif-2758	199	20	rude	rude	ADJ
ejif-2758	199	21	in	in	ADP
ejif-2758	199	22	the	the	DET
ejif-2758	199	23	beginning	beginning	NOUN
ejif-2758	199	24	use	use	NOUN
ejif-2758	199	25	the	the	DET
ejif-2758	199	26	sharia	sharia	PROPN
ejif-2758	199	27	principles	principle	NOUN
ejif-2758	199	28	as	as	ADP
ejif-2758	199	29	an	an	DET
ejif-2758	199	30	enforcement	enforcement	NOUN
ejif-2758	199	31	alternative	alternative	NOUN
ejif-2758	199	32	appeal	appeal	ADP
ejif-2758	199	33	to	to	ADP
ejif-2758	199	34	the	the	DET
ejif-2758	199	35	conscious	conscious	ADJ
ejif-2758	199	36	of	of	ADP
ejif-2758	199	37	the	the	DET
ejif-2758	199	38	client	client	NOUN
ejif-2758	199	39	they	they	PRON
ejif-2758	199	40	are	be	AUX
ejif-2758	199	41	rude	rude	ADJ
ejif-2758	199	42	since	since	SCONJ
ejif-2758	199	43	the	the	DET
ejif-2758	199	44	beginning	beginning	NOUN
ejif-2758	199	45	they	they	PRON
ejif-2758	199	46	do	do	AUX
ejif-2758	199	47	not	not	PART
ejif-2758	199	48	use	use	VERB
ejif-2758	199	49	the	the	DET
ejif-2758	199	50	religion	religion	NOUN
ejif-2758	199	51	as	as	SCONJ
ejif-2758	199	52	an	an	DET
ejif-2758	199	53	enforcement	enforcement	NOUN
ejif-2758	199	54	alternative	alternative	ADJ
ejif-2758	199	55	duri	duri	PROPN
ejif-2758	199	56	kosambi	kosambi	PROPN
ejif-2758	199	57	islamic	islamic	PROPN
ejif-2758	199	58	conventional	conventional	PROPN
ejif-2758	199	59	the	the	PRON
ejif-2758	199	60	client	client	NOUN
ejif-2758	199	61	receives	receive	VERB
ejif-2758	199	62	the	the	DET
ejif-2758	199	63	complete	complete	ADJ
ejif-2758	199	64	amount	amount	NOUN
ejif-2758	199	65	,	,	PUNCT
ejif-2758	199	66	but	but	CCONJ
ejif-2758	199	67	he	he	PRON
ejif-2758	199	68	has	have	VERB
ejif-2758	199	69	to	to	PART
ejif-2758	199	70	pay	pay	VERB
ejif-2758	199	71	the	the	DET
ejif-2758	199	72	up	up	ADJ
ejif-2758	199	73	-	-	PUNCT
ejif-2758	199	74	front	front	NOUN
ejif-2758	199	75	fee	fee	NOUN
ejif-2758	199	76	before	before	SCONJ
ejif-2758	199	77	to	to	PART
ejif-2758	199	78	receive	receive	VERB
ejif-2758	199	79	the	the	DET
ejif-2758	199	80	loans	loan	NOUN
ejif-2758	199	81	they	they	PRON
ejif-2758	199	82	use	use	VERB
ejif-2758	199	83	the	the	DET
ejif-2758	199	84	religion	religion	NOUN
ejif-2758	199	85	as	as	ADP
ejif-2758	199	86	an	an	DET
ejif-2758	199	87	enforcement	enforcement	NOUN
ejif-2758	199	88	strategy	strategy	NOUN
ejif-2758	199	89	they	they	PRON
ejif-2758	199	90	are	be	AUX
ejif-2758	199	91	more	more	ADV
ejif-2758	199	92	polite	polite	ADJ
ejif-2758	199	93	and	and	CCONJ
ejif-2758	199	94	diplomatic	diplomatic	ADJ
ejif-2758	199	95	.	.	PUNCT
ejif-2758	200	1	they	they	PRON
ejif-2758	200	2	use	use	VERB
ejif-2758	200	3	rigid	rigid	ADJ
ejif-2758	200	4	enforcement	enforcement	NOUN
ejif-2758	200	5	techniques	technique	NOUN
ejif-2758	200	6	only	only	ADV
ejif-2758	200	7	in	in	ADP
ejif-2758	200	8	extreme	extreme	ADJ
ejif-2758	200	9	cases	case	NOUN
ejif-2758	200	10	appeal	appeal	VERB
ejif-2758	200	11	to	to	ADP
ejif-2758	200	12	the	the	DET
ejif-2758	200	13	muslim	muslim	ADJ
ejif-2758	200	14	leader	leader	NOUN
ejif-2758	200	15	the	the	DET
ejif-2758	200	16	client	client	NOUN
ejif-2758	200	17	receives	receive	VERB
ejif-2758	200	18	the	the	DET
ejif-2758	200	19	loan	loan	NOUN
ejif-2758	200	20	amount	amount	NOUN
ejif-2758	200	21	minus	minus	ADP
ejif-2758	200	22	the	the	DET
ejif-2758	200	23	upfront	upfront	ADJ
ejif-2758	200	24	fee	fee	NOUN
ejif-2758	200	25	they	they	PRON
ejif-2758	200	26	do	do	AUX
ejif-2758	200	27	not	not	PART
ejif-2758	200	28	use	use	VERB
ejif-2758	200	29	the	the	DET
ejif-2758	200	30	religion	religion	NOUN
ejif-2758	200	31	as	as	ADP
ejif-2758	200	32	an	an	DET
ejif-2758	200	33	enforcement	enforcement	NOUN
ejif-2758	200	34	strategy	strategy	NOUN
ejif-2758	200	35			PROPN
ejif-2758	200	36	they	they	PRON
ejif-2758	200	37	apply	apply	VERB
ejif-2758	200	38	rigid	rigid	ADJ
ejif-2758	200	39	collection	collection	NOUN
ejif-2758	200	40	strategies	strategy	NOUN
ejif-2758	200	41	since	since	SCONJ
ejif-2758	200	42	the	the	DET
ejif-2758	200	43	beginning	begin	VERB
ejif-2758	200	44	7	7	NUM
ejif-2758	200	45	)	)	PUNCT
ejif-2758	200	46	screening	screening	NOUN
ejif-2758	200	47	,	,	PUNCT
ejif-2758	200	48	monitoring	monitoring	NOUN
ejif-2758	200	49	,	,	PUNCT
ejif-2758	200	50	and	and	CCONJ
ejif-2758	200	51	enforcement	enforcement	NOUN
ejif-2758	200	52	in	in	ADP
ejif-2758	200	53	cengkareng	cengkareng	PROPN
ejif-2758	200	54	vs.	vs.	X
ejif-2758	200	55	duri	duri	PROPN
ejif-2758	200	56	kosambi	kosambi	PROPN
ejif-2758	200	57	from	from	ADP
ejif-2758	200	58	the	the	DET
ejif-2758	200	59	observation	observation	NOUN
ejif-2758	200	60	of	of	ADP
ejif-2758	200	61	the	the	DET
ejif-2758	200	62	daily	daily	ADJ
ejif-2758	200	63	activities	activity	NOUN
ejif-2758	200	64	and	and	CCONJ
ejif-2758	200	65	the	the	DET
ejif-2758	200	66	comments	comment	NOUN
ejif-2758	200	67	from	from	ADP
ejif-2758	200	68	fgd	fgd	PROPN
ejif-2758	200	69	,	,	PUNCT
ejif-2758	200	70	it	it	PRON
ejif-2758	200	71	was	be	AUX
ejif-2758	200	72	possible	possible	ADJ
ejif-2758	200	73	to	to	PART
ejif-2758	200	74	recognize	recognize	VERB
ejif-2758	200	75	that	that	SCONJ
ejif-2758	200	76	there	there	PRON
ejif-2758	200	77	are	be	VERB
ejif-2758	200	78	specific	specific	ADJ
ejif-2758	200	79	differences	difference	NOUN
ejif-2758	200	80	between	between	ADP
ejif-2758	200	81	both	both	DET
ejif-2758	200	82	branches	branch	NOUN
ejif-2758	200	83	in	in	ADP
ejif-2758	200	84	the	the	DET
ejif-2758	200	85	screening	screening	NOUN
ejif-2758	200	86	,	,	PUNCT
ejif-2758	200	87	monitoring	monitoring	NOUN
ejif-2758	200	88	and	and	CCONJ
ejif-2758	200	89	enforcement	enforcement	NOUN
ejif-2758	200	90	activities	activity	NOUN
ejif-2758	200	91	a	a	DET
ejif-2758	200	92	)	)	PUNCT
ejif-2758	200	93	selection	selection	NOUN
ejif-2758	200	94	:	:	PUNCT
ejif-2758	200	95	in	in	ADP
ejif-2758	200	96	duri	duri	PROPN
ejif-2758	200	97	kosambi	kosambi	PROPN
ejif-2758	200	98	the	the	DET
ejif-2758	200	99	micro	micro	ADJ
ejif-2758	200	100	officers	officer	NOUN
ejif-2758	200	101	stress	stress	VERB
ejif-2758	200	102	a	a	DET
ejif-2758	200	103	lot	lot	NOUN
ejif-2758	200	104	on	on	ADP
ejif-2758	200	105	the	the	DET
ejif-2758	200	106	selection	selection	NOUN
ejif-2758	200	107	process	process	NOUN
ejif-2758	200	108	to	to	PART
ejif-2758	200	109	diminish	diminish	VERB
ejif-2758	200	110	adverse	adverse	ADJ
ejif-2758	200	111	selection	selection	NOUN
ejif-2758	200	112	ejif	ejif	PROPN
ejif-2758	200	113	–	–	PUNCT
ejif-2758	200	114	european	european	PROPN
ejif-2758	200	115	journal	journal	PROPN
ejif-2758	200	116	of	of	ADP
ejif-2758	200	117	islamic	islamic	PROPN
ejif-2758	200	118	finance	finance	PROPN
ejif-2758	200	119	no11	no11	PROPN
ejif-2758	200	120	,	,	PUNCT
ejif-2758	200	121	december	december	PROPN
ejif-2758	200	122	(	(	PUNCT
ejif-2758	200	123	2018	2018	NUM
ejif-2758	200	124	)	)	PUNCT
ejif-2758	201	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	201	2	issn	issn	VERB
ejif-2758	201	3	2421	2421	NUM
ejif-2758	201	4	-	-	SYM
ejif-2758	201	5	2172	2172	NUM
ejif-2758	201	6	7	7	NUM
ejif-2758	201	7	(	(	PUNCT
ejif-2758	201	8	karlan	karlan	PROPN
ejif-2758	201	9	&	&	CCONJ
ejif-2758	201	10	zinman	zinman	PROPN
ejif-2758	201	11	,	,	PUNCT
ejif-2758	201	12	2009	2009	NUM
ejif-2758	201	13	)	)	PUNCT
ejif-2758	201	14	.	.	PUNCT
ejif-2758	202	1	therefore	therefore	ADV
ejif-2758	202	2	,	,	PUNCT
ejif-2758	202	3	they	they	PRON
ejif-2758	202	4	invest	invest	VERB
ejif-2758	202	5	much	much	ADJ
ejif-2758	202	6	effort	effort	NOUN
ejif-2758	202	7	to	to	PART
ejif-2758	202	8	make	make	VERB
ejif-2758	202	9	sure	sure	ADJ
ejif-2758	202	10	that	that	SCONJ
ejif-2758	202	11	the	the	DET
ejif-2758	202	12	client	client	NOUN
ejif-2758	202	13	is	be	AUX
ejif-2758	202	14	financially	financially	ADV
ejif-2758	202	15	capable	capable	ADJ
ejif-2758	202	16	of	of	ADP
ejif-2758	202	17	affording	afford	VERB
ejif-2758	202	18	the	the	DET
ejif-2758	202	19	loan	loan	NOUN
ejif-2758	202	20	.	.	PUNCT
ejif-2758	203	1	in	in	ADP
ejif-2758	203	2	cengkareng	cengkareng	PROPN
ejif-2758	203	3	currently	currently	ADV
ejif-2758	203	4	,	,	PUNCT
ejif-2758	203	5	there	there	PRON
ejif-2758	203	6	is	be	VERB
ejif-2758	203	7	a	a	DET
ejif-2758	203	8	lack	lack	NOUN
ejif-2758	203	9	of	of	ADP
ejif-2758	203	10	administrative	administrative	ADJ
ejif-2758	203	11	personnel	personnel	NOUN
ejif-2758	203	12	.	.	PUNCT
ejif-2758	204	1	thus	thus	ADV
ejif-2758	204	2	,	,	PUNCT
ejif-2758	204	3	the	the	DET
ejif-2758	204	4	micro	micro	ADJ
ejif-2758	204	5	officers	officer	NOUN
ejif-2758	204	6	have	have	VERB
ejif-2758	204	7	to	to	PART
ejif-2758	204	8	be	be	AUX
ejif-2758	204	9	capable	capable	ADJ
ejif-2758	204	10	of	of	ADP
ejif-2758	204	11	developing	develop	VERB
ejif-2758	204	12	sales	sale	NOUN
ejif-2758	204	13	screening	screening	NOUN
ejif-2758	204	14	,	,	PUNCT
ejif-2758	204	15	monitoring	monitoring	NOUN
ejif-2758	204	16	,	,	PUNCT
ejif-2758	204	17	enforcement	enforcement	NOUN
ejif-2758	204	18	,	,	PUNCT
ejif-2758	204	19	and	and	CCONJ
ejif-2758	204	20	administrative	administrative	ADJ
ejif-2758	204	21	activities	activity	NOUN
ejif-2758	204	22	.	.	PUNCT
ejif-2758	205	1	b	b	X
ejif-2758	205	2	)	)	PUNCT
ejif-2758	205	3	additionally	additionally	ADV
ejif-2758	205	4	,	,	PUNCT
ejif-2758	205	5	the	the	DET
ejif-2758	205	6	micro	micro	ADJ
ejif-2758	205	7	staff	staff	NOUN
ejif-2758	205	8	in	in	ADP
ejif-2758	205	9	cengkareng	cengkareng	PROPN
ejif-2758	205	10	is	be	AUX
ejif-2758	205	11	quite	quite	ADV
ejif-2758	205	12	newer	new	ADJ
ejif-2758	205	13	.	.	PUNCT
ejif-2758	206	1	thus	thus	ADV
ejif-2758	206	2	,	,	PUNCT
ejif-2758	206	3	they	they	PRON
ejif-2758	206	4	have	have	VERB
ejif-2758	206	5	less	less	ADJ
ejif-2758	206	6	time	time	NOUN
ejif-2758	206	7	experience	experience	NOUN
ejif-2758	206	8	comparing	compare	VERB
ejif-2758	206	9	to	to	ADP
ejif-2758	206	10	duri	duri	PROPN
ejif-2758	206	11	kosambi	kosambi	PROPN
ejif-2758	206	12	.	.	PUNCT
ejif-2758	207	1	therefore	therefore	ADV
ejif-2758	207	2	,	,	PUNCT
ejif-2758	207	3	the	the	DET
ejif-2758	207	4	two	two	NUM
ejif-2758	207	5	extreme	extreme	ADJ
ejif-2758	207	6	difficulties	difficulty	NOUN
ejif-2758	207	7	mentioned	mention	VERB
ejif-2758	207	8	above	above	ADV
ejif-2758	207	9	have	have	VERB
ejif-2758	207	10	an	an	DET
ejif-2758	207	11	impact	impact	NOUN
ejif-2758	207	12	on	on	ADP
ejif-2758	207	13	the	the	DET
ejif-2758	207	14	screening	screen	VERB
ejif-2758	207	15	quality	quality	NOUN
ejif-2758	207	16	of	of	ADP
ejif-2758	207	17	cengkareng	cengkareng	NOUN
ejif-2758	207	18	which	which	PRON
ejif-2758	207	19	is	be	AUX
ejif-2758	207	20	still	still	ADV
ejif-2758	207	21	toward	toward	ADP
ejif-2758	207	22	continuous	continuous	ADJ
ejif-2758	207	23	improvement	improvement	NOUN
ejif-2758	207	24	of	of	ADP
ejif-2758	207	25	its	its	PRON
ejif-2758	207	26	agency	agency	NOUN
ejif-2758	207	27	's	's	PART
ejif-2758	207	28	activities	activity	NOUN
ejif-2758	207	29	.	.	PUNCT
ejif-2758	208	1	c	c	X
ejif-2758	208	2	)	)	PUNCT
ejif-2758	208	3	monitoring	monitoring	NOUN
ejif-2758	208	4	:	:	PUNCT
ejif-2758	208	5	at	at	ADP
ejif-2758	208	6	this	this	DET
ejif-2758	208	7	level	level	NOUN
ejif-2758	208	8	,	,	PUNCT
ejif-2758	208	9	both	both	PRON
ejif-2758	208	10	described	describe	VERB
ejif-2758	208	11	more	more	ADV
ejif-2758	208	12	or	or	CCONJ
ejif-2758	208	13	less	less	ADV
ejif-2758	208	14	the	the	DET
ejif-2758	208	15	same	same	ADJ
ejif-2758	208	16	monitoring	monitoring	NOUN
ejif-2758	208	17	procedures	procedure	NOUN
ejif-2758	208	18	.	.	PUNCT
ejif-2758	209	1	therefore	therefore	ADV
ejif-2758	209	2	,	,	PUNCT
ejif-2758	209	3	both	both	DET
ejif-2758	209	4	branches	branch	NOUN
ejif-2758	209	5	use	use	VERB
ejif-2758	209	6	calls	call	NOUN
ejif-2758	209	7	,	,	PUNCT
ejif-2758	209	8	message	message	NOUN
ejif-2758	209	9	and	and	CCONJ
ejif-2758	209	10	regular	regular	ADJ
ejif-2758	209	11	visits	visit	NOUN
ejif-2758	209	12	as	as	ADP
ejif-2758	209	13	a	a	DET
ejif-2758	209	14	defensive	defensive	ADJ
ejif-2758	209	15	mechanism	mechanism	NOUN
ejif-2758	209	16	to	to	PART
ejif-2758	209	17	anticipate	anticipate	VERB
ejif-2758	209	18	the	the	DET
ejif-2758	209	19	default	default	NOUN
ejif-2758	209	20	of	of	ADP
ejif-2758	209	21	the	the	DET
ejif-2758	209	22	client	client	NOUN
ejif-2758	209	23	.	.	PUNCT
ejif-2758	210	1	such	such	ADJ
ejif-2758	210	2	mechanisms	mechanism	NOUN
ejif-2758	210	3	of	of	ADP
ejif-2758	210	4	warning	warning	NOUN
ejif-2758	210	5	are	be	AUX
ejif-2758	210	6	named	name	VERB
ejif-2758	210	7	early	early	ADJ
ejif-2758	210	8	warning	warning	NOUN
ejif-2758	210	9	system	system	NOUN
ejif-2758	210	10	,	,	PUNCT
ejif-2758	210	11	however	however	ADV
ejif-2758	210	12	on	on	ADP
ejif-2758	210	13	the	the	DET
ejif-2758	210	14	other	other	ADJ
ejif-2758	210	15	hand	hand	NOUN
ejif-2758	210	16	after	after	ADP
ejif-2758	210	17	the	the	DET
ejif-2758	210	18	loan	loan	NOUN
ejif-2758	210	19	disbursement	disbursement	NOUN
ejif-2758	210	20	,	,	PUNCT
ejif-2758	210	21	the	the	DET
ejif-2758	210	22	micro	micro	ADJ
ejif-2758	210	23	officers	officer	NOUN
ejif-2758	210	24	start	start	VERB
ejif-2758	210	25	to	to	PART
ejif-2758	210	26	follow	follow	VERB
ejif-2758	210	27	the	the	DET
ejif-2758	210	28	evolution	evolution	NOUN
ejif-2758	210	29	of	of	ADP
ejif-2758	210	30	the	the	DET
ejif-2758	210	31	client	client	NOUN
ejif-2758	210	32	to	to	PART
ejif-2758	210	33	identify	identify	VERB
ejif-2758	210	34	some	some	DET
ejif-2758	210	35	signals	signal	NOUN
ejif-2758	210	36	of	of	ADP
ejif-2758	210	37	default	default	NOUN
ejif-2758	210	38	,	,	PUNCT
ejif-2758	210	39	also	also	ADV
ejif-2758	210	40	to	to	PART
ejif-2758	210	41	keep	keep	VERB
ejif-2758	210	42	strong	strong	ADJ
ejif-2758	210	43	relationships	relationship	NOUN
ejif-2758	210	44	with	with	ADP
ejif-2758	210	45	the	the	DET
ejif-2758	210	46	clients	client	NOUN
ejif-2758	210	47	.	.	PUNCT
ejif-2758	211	1	through	through	ADP
ejif-2758	211	2	the	the	DET
ejif-2758	211	3	observation	observation	NOUN
ejif-2758	211	4	method	method	NOUN
ejif-2758	211	5	,	,	PUNCT
ejif-2758	211	6	it	it	PRON
ejif-2758	211	7	was	be	AUX
ejif-2758	211	8	possible	possible	ADJ
ejif-2758	211	9	to	to	PART
ejif-2758	211	10	acknowledge	acknowledge	VERB
ejif-2758	211	11	that	that	SCONJ
ejif-2758	211	12	each	each	DET
ejif-2758	211	13	bsm	bsm	PROPN
ejif-2758	211	14	's	's	PART
ejif-2758	211	15	client	client	NOUN
ejif-2758	211	16	is	be	AUX
ejif-2758	211	17	visited	visit	VERB
ejif-2758	211	18	at	at	ADP
ejif-2758	211	19	least	least	ADJ
ejif-2758	211	20	once	once	ADV
ejif-2758	211	21	per	per	ADP
ejif-2758	211	22	month	month	NOUN
ejif-2758	211	23	.	.	PUNCT
ejif-2758	212	1	d	d	X
ejif-2758	212	2	)	)	PUNCT
ejif-2758	212	3	enforcement	enforcement	NOUN
ejif-2758	212	4	:	:	PUNCT
ejif-2758	212	5	on	on	ADP
ejif-2758	212	6	this	this	DET
ejif-2758	212	7	stage	stage	NOUN
ejif-2758	212	8	,	,	PUNCT
ejif-2758	212	9	both	both	DET
ejif-2758	212	10	institutions	institution	NOUN
ejif-2758	212	11	take	take	VERB
ejif-2758	212	12	advantage	advantage	NOUN
ejif-2758	212	13	of	of	ADP
ejif-2758	212	14	the	the	DET
ejif-2758	212	15	religion	religion	NOUN
ejif-2758	212	16	as	as	ADP
ejif-2758	212	17	an	an	DET
ejif-2758	212	18	enforcement	enforcement	NOUN
ejif-2758	212	19	tool	tool	NOUN
ejif-2758	212	20	that	that	PRON
ejif-2758	212	21	seems	seem	VERB
ejif-2758	212	22	to	to	PART
ejif-2758	212	23	have	have	VERB
ejif-2758	212	24	good	good	ADJ
ejif-2758	212	25	results	result	NOUN
ejif-2758	212	26	,	,	PUNCT
ejif-2758	212	27	as	as	SCONJ
ejif-2758	212	28	their	their	PRON
ejif-2758	212	29	portfolio	portfolio	NOUN
ejif-2758	212	30	is	be	AUX
ejif-2758	212	31	mostly	mostly	ADV
ejif-2758	212	32	compound	compound	VERB
ejif-2758	212	33	by	by	ADP
ejif-2758	212	34	muslim	muslim	ADJ
ejif-2758	212	35	clients	client	NOUN
ejif-2758	212	36	.	.	PUNCT
ejif-2758	213	1	according	accord	VERB
ejif-2758	213	2	to	to	ADP
ejif-2758	213	3	the	the	DET
ejif-2758	213	4	opinion	opinion	NOUN
ejif-2758	213	5	of	of	ADP
ejif-2758	213	6	the	the	DET
ejif-2758	213	7	micro	micro	ADJ
ejif-2758	213	8	officers	officer	NOUN
ejif-2758	213	9	,	,	PUNCT
ejif-2758	213	10	this	this	DET
ejif-2758	213	11	element	element	NOUN
ejif-2758	213	12	makes	make	VERB
ejif-2758	213	13	a	a	DET
ejif-2758	213	14	big	big	ADJ
ejif-2758	213	15	difference	difference	NOUN
ejif-2758	213	16	between	between	ADP
ejif-2758	213	17	conventional	conventional	ADJ
ejif-2758	213	18	and	and	CCONJ
ejif-2758	213	19	islamic	islamic	ADJ
ejif-2758	213	20	banking	banking	NOUN
ejif-2758	213	21	(	(	PUNCT
ejif-2758	213	22	iqbal	iqbal	PROPN
ejif-2758	213	23	et	et	PROPN
ejif-2758	213	24	al	al	PROPN
ejif-2758	213	25	.	.	PROPN
ejif-2758	213	26	,	,	PUNCT
ejif-2758	213	27	2006	2006	NUM
ejif-2758	213	28	)	)	PUNCT
ejif-2758	213	29	.	.	PUNCT
ejif-2758	214	1	moreover	moreover	ADV
ejif-2758	214	2	,	,	PUNCT
ejif-2758	214	3	the	the	DET
ejif-2758	214	4	institutions	institution	NOUN
ejif-2758	214	5	describe	describe	VERB
ejif-2758	214	6	the	the	DET
ejif-2758	214	7	enforcement	enforcement	NOUN
ejif-2758	214	8	procedures	procedure	NOUN
ejif-2758	214	9	which	which	PRON
ejif-2758	214	10	are	be	AUX
ejif-2758	214	11	soft	soft	ADJ
ejif-2758	214	12	at	at	ADP
ejif-2758	214	13	the	the	DET
ejif-2758	214	14	beginning	beginning	NOUN
ejif-2758	214	15	,	,	PUNCT
ejif-2758	214	16	but	but	CCONJ
ejif-2758	214	17	these	these	PRON
ejif-2758	214	18	tend	tend	VERB
ejif-2758	214	19	to	to	PART
ejif-2758	214	20	become	become	VERB
ejif-2758	214	21	harder	hard	ADJ
ejif-2758	214	22	as	as	ADP
ejif-2758	214	23	long	long	ADV
ejif-2758	214	24	late	late	ADJ
ejif-2758	214	25	time	time	NOUN
ejif-2758	214	26	is	be	AUX
ejif-2758	214	27	increasing	increase	VERB
ejif-2758	214	28	.	.	PUNCT
ejif-2758	215	1	c.	c.	PROPN
ejif-2758	215	2	findings	finding	NOUN
ejif-2758	215	3	in	in	ADP
ejif-2758	215	4	the	the	DET
ejif-2758	215	5	interviews	interview	NOUN
ejif-2758	215	6	1	1	NUM
ejif-2758	215	7	)	)	PUNCT
ejif-2758	215	8	micro	micro	ADJ
ejif-2758	215	9	-	-	ADJ
ejif-2758	215	10	banking	banking	ADJ
ejif-2758	215	11	strategies	strategy	NOUN
ejif-2758	215	12	bsm	bsm	PROPN
ejif-2758	215	13	settle	settle	VERB
ejif-2758	215	14	yearly	yearly	ADV
ejif-2758	215	15	the	the	DET
ejif-2758	215	16	micro	micro	NOUN
ejif-2758	215	17	-	-	NOUN
ejif-2758	215	18	strategies	strategy	NOUN
ejif-2758	215	19	that	that	PRON
ejif-2758	215	20	act	act	VERB
ejif-2758	215	21	as	as	ADP
ejif-2758	215	22	the	the	DET
ejif-2758	215	23	guide	guide	NOUN
ejif-2758	215	24	to	to	PART
ejif-2758	215	25	drive	drive	VERB
ejif-2758	215	26	the	the	DET
ejif-2758	215	27	activities	activity	NOUN
ejif-2758	215	28	of	of	ADP
ejif-2758	215	29	each	each	DET
ejif-2758	215	30	branch	branch	NOUN
ejif-2758	215	31	.	.	PUNCT
ejif-2758	216	1	however	however	ADV
ejif-2758	216	2	,	,	PUNCT
ejif-2758	216	3	the	the	DET
ejif-2758	216	4	branch	branch	NOUN
ejif-2758	216	5	manager	manager	NOUN
ejif-2758	216	6	has	have	VERB
ejif-2758	216	7	the	the	DET
ejif-2758	216	8	freedom	freedom	NOUN
ejif-2758	216	9	to	to	PART
ejif-2758	216	10	organize	organize	VERB
ejif-2758	216	11	its	its	PRON
ejif-2758	216	12	staff	staff	NOUN
ejif-2758	216	13	and	and	CCONJ
ejif-2758	216	14	activities	activity	NOUN
ejif-2758	216	15	as	as	ADV
ejif-2758	216	16	long	long	ADV
ejif-2758	216	17	as	as	SCONJ
ejif-2758	216	18	it	it	PRON
ejif-2758	216	19	fulfills	fulfill	VERB
ejif-2758	216	20	with	with	ADP
ejif-2758	216	21	the	the	DET
ejif-2758	216	22	broad	broad	ADJ
ejif-2758	216	23	parameters	parameter	NOUN
ejif-2758	216	24	of	of	ADP
ejif-2758	216	25	bsm	bsm	PROPN
ejif-2758	216	26	headquarters	headquarters	PROPN
ejif-2758	216	27	.	.	PUNCT
ejif-2758	217	1	in	in	ADP
ejif-2758	217	2	this	this	DET
ejif-2758	217	3	sense	sense	NOUN
ejif-2758	217	4	,	,	PUNCT
ejif-2758	217	5	the	the	DET
ejif-2758	217	6	strategies	strategy	NOUN
ejif-2758	217	7	within	within	ADP
ejif-2758	217	8	branches	branch	NOUN
ejif-2758	217	9	may	may	AUX
ejif-2758	217	10	vary	vary	VERB
ejif-2758	217	11	by	by	ADP
ejif-2758	217	12	the	the	DET
ejif-2758	217	13	branch	branch	NOUN
ejif-2758	217	14	manager	manager	NOUN
ejif-2758	217	15	creativity	creativity	NOUN
ejif-2758	217	16	and	and	CCONJ
ejif-2758	217	17	the	the	DET
ejif-2758	217	18	context	context	NOUN
ejif-2758	217	19	of	of	ADP
ejif-2758	217	20	each	each	DET
ejif-2758	217	21	branch	branch	NOUN
ejif-2758	217	22	.	.	PUNCT
ejif-2758	218	1	in	in	ADP
ejif-2758	218	2	cengkareng	cengkareng	PROPN
ejif-2758	218	3	for	for	ADP
ejif-2758	218	4	instance	instance	NOUN
ejif-2758	218	5	,	,	PUNCT
ejif-2758	218	6	the	the	DET
ejif-2758	218	7	branch	branch	NOUN
ejif-2758	218	8	manager	manager	NOUN
ejif-2758	218	9	drives	drive	VERB
ejif-2758	218	10	the	the	DET
ejif-2758	218	11	institution	institution	NOUN
ejif-2758	218	12	according	accord	VERB
ejif-2758	218	13	to	to	ADP
ejif-2758	218	14	what	what	PRON
ejif-2758	218	15	he	he	PRON
ejif-2758	218	16	calls	call	VERB
ejif-2758	218	17	“	"	PUNCT
ejif-2758	218	18	triangle	triangle	NOUN
ejif-2758	218	19	of	of	ADP
ejif-2758	218	20	leadership	leadership	NOUN
ejif-2758	218	21	”	"	PUNCT
ejif-2758	218	22	which	which	PRON
ejif-2758	218	23	consists	consist	VERB
ejif-2758	218	24	in	in	ADP
ejif-2758	218	25	to	to	PART
ejif-2758	218	26	develop	develop	VERB
ejif-2758	218	27	strategies	strategy	NOUN
ejif-2758	218	28	that	that	PRON
ejif-2758	218	29	boost	boost	VERB
ejif-2758	218	30	leadership	leadership	NOUN
ejif-2758	218	31	among	among	ADP
ejif-2758	218	32	all	all	DET
ejif-2758	218	33	the	the	DET
ejif-2758	218	34	stakeholders	stakeholder	NOUN
ejif-2758	218	35	.	.	PUNCT
ejif-2758	219	1	to	to	ADP
ejif-2758	219	2	this	this	DET
ejif-2758	219	3	end	end	NOUN
ejif-2758	219	4	,	,	PUNCT
ejif-2758	219	5	the	the	DET
ejif-2758	219	6	cengkareng	cengkareng	NOUN
ejif-2758	219	7	manager	manager	NOUN
ejif-2758	219	8	strives	strive	VERB
ejif-2758	219	9	to	to	PART
ejif-2758	219	10	enhance	enhance	VERB
ejif-2758	219	11	continuously	continuously	ADV
ejif-2758	219	12	the	the	DET
ejif-2758	219	13	agents	agent	NOUN
ejif-2758	219	14	which	which	PRON
ejif-2758	219	15	are	be	AUX
ejif-2758	219	16	the	the	DET
ejif-2758	219	17	leader	leader	NOUN
ejif-2758	219	18	,	,	PUNCT
ejif-2758	219	19	follower	follower	NOUN
ejif-2758	219	20	and	and	CCONJ
ejif-2758	219	21	the	the	DET
ejif-2758	219	22	environment	environment	NOUN
ejif-2758	219	23	.	.	PUNCT
ejif-2758	220	1	in	in	ADP
ejif-2758	220	2	duri	duri	PROPN
ejif-2758	220	3	kosambi	kosambi	PROPN
ejif-2758	220	4	the	the	DET
ejif-2758	220	5	branch	branch	NOUN
ejif-2758	220	6	manager	manager	NOUN
ejif-2758	220	7	has	have	VERB
ejif-2758	220	8	a	a	DET
ejif-2758	220	9	different	different	ADJ
ejif-2758	220	10	strategy	strategy	NOUN
ejif-2758	220	11	that	that	PRON
ejif-2758	220	12	encourages	encourage	VERB
ejif-2758	220	13	the	the	DET
ejif-2758	220	14	team	team	NOUN
ejif-2758	220	15	working	work	VERB
ejif-2758	220	16	and	and	CCONJ
ejif-2758	220	17	mutual	mutual	ADJ
ejif-2758	220	18	solidarity	solidarity	NOUN
ejif-2758	220	19	among	among	ADP
ejif-2758	220	20	the	the	DET
ejif-2758	220	21	staff	staff	NOUN
ejif-2758	220	22	,	,	PUNCT
ejif-2758	220	23	which	which	PRON
ejif-2758	220	24	means	mean	VERB
ejif-2758	220	25	that	that	SCONJ
ejif-2758	220	26	he	he	PRON
ejif-2758	220	27	puts	put	VERB
ejif-2758	220	28	the	the	DET
ejif-2758	220	29	effort	effort	NOUN
ejif-2758	220	30	in	in	ADP
ejif-2758	220	31	to	to	PART
ejif-2758	220	32	harmonize	harmonize	VERB
ejif-2758	220	33	the	the	DET
ejif-2758	220	34	work	work	NOUN
ejif-2758	220	35	among	among	ADP
ejif-2758	220	36	all	all	DET
ejif-2758	220	37	the	the	DET
ejif-2758	220	38	staff	staff	NOUN
ejif-2758	220	39	.	.	PUNCT
ejif-2758	221	1	2	2	X
ejif-2758	221	2	)	)	PUNCT
ejif-2758	221	3	the	the	DET
ejif-2758	221	4	role	role	NOUN
ejif-2758	221	5	in	in	ADP
ejif-2758	221	6	the	the	DET
ejif-2758	221	7	training	training	NOUN
ejif-2758	221	8	of	of	ADP
ejif-2758	221	9	the	the	DET
ejif-2758	221	10	staff	staff	NOUN
ejif-2758	221	11	all	all	DET
ejif-2758	221	12	the	the	DET
ejif-2758	221	13	branches	branch	NOUN
ejif-2758	221	14	count	count	VERB
ejif-2758	221	15	on	on	ADP
ejif-2758	221	16	a	a	DET
ejif-2758	221	17	formal	formal	ADJ
ejif-2758	221	18	manual	manual	NOUN
ejif-2758	221	19	of	of	ADP
ejif-2758	221	20	practices	practice	NOUN
ejif-2758	221	21	that	that	PRON
ejif-2758	221	22	has	have	VERB
ejif-2758	221	23	to	to	PART
ejif-2758	221	24	be	be	AUX
ejif-2758	221	25	shared	share	VERB
ejif-2758	221	26	with	with	ADP
ejif-2758	221	27	the	the	DET
ejif-2758	221	28	newer	new	ADJ
ejif-2758	221	29	staff	staff	NOUN
ejif-2758	221	30	and	and	CCONJ
ejif-2758	221	31	periodically	periodically	ADV
ejif-2758	221	32	reminded	remind	VERB
ejif-2758	221	33	of	of	ADP
ejif-2758	221	34	the	the	DET
ejif-2758	221	35	old	old	ADJ
ejif-2758	221	36	team	team	NOUN
ejif-2758	221	37	.	.	PUNCT
ejif-2758	222	1	nonetheless	nonetheless	ADV
ejif-2758	222	2	,	,	PUNCT
ejif-2758	222	3	each	each	DET
ejif-2758	222	4	branch	branch	NOUN
ejif-2758	222	5	manager	manager	NOUN
ejif-2758	222	6	has	have	VERB
ejif-2758	222	7	his	his	PRON
ejif-2758	222	8	method	method	NOUN
ejif-2758	222	9	to	to	PART
ejif-2758	222	10	spread	spread	VERB
ejif-2758	222	11	the	the	DET
ejif-2758	222	12	manual	manual	NOUN
ejif-2758	222	13	among	among	ADP
ejif-2758	222	14	the	the	DET
ejif-2758	222	15	staff	staff	NOUN
ejif-2758	222	16	likewise	likewise	ADV
ejif-2758	222	17	the	the	DET
ejif-2758	222	18	area	area	NOUN
ejif-2758	222	19	micro	micro	PROPN
ejif-2758	222	20	banking	banking	NOUN
ejif-2758	222	21	manager	manager	NOUN
ejif-2758	222	22	who	who	PRON
ejif-2758	222	23	is	be	AUX
ejif-2758	222	24	in	in	ADP
ejif-2758	222	25	charge	charge	NOUN
ejif-2758	222	26	to	to	PART
ejif-2758	222	27	make	make	VERB
ejif-2758	222	28	sure	sure	ADJ
ejif-2758	222	29	that	that	SCONJ
ejif-2758	222	30	the	the	DET
ejif-2758	222	31	staff	staff	NOUN
ejif-2758	222	32	of	of	ADP
ejif-2758	222	33	each	each	DET
ejif-2758	222	34	branch	branch	NOUN
ejif-2758	222	35	in	in	ADP
ejif-2758	222	36	west	west	PROPN
ejif-2758	222	37	jakarta	jakarta	PROPN
ejif-2758	222	38	knows	know	VERB
ejif-2758	222	39	the	the	DET
ejif-2758	222	40	formal	formal	ADJ
ejif-2758	222	41	procedures	procedure	NOUN
ejif-2758	222	42	described	describe	VERB
ejif-2758	222	43	in	in	ADP
ejif-2758	222	44	the	the	DET
ejif-2758	222	45	manual	manual	NOUN
ejif-2758	222	46	.	.	PUNCT
ejif-2758	223	1	in	in	ADP
ejif-2758	223	2	cengkareng	cengkareng	PROPN
ejif-2758	223	3	,	,	PUNCT
ejif-2758	223	4	the	the	DET
ejif-2758	223	5	branch	branch	NOUN
ejif-2758	223	6	manager	manager	NOUN
ejif-2758	223	7	created	create	VERB
ejif-2758	223	8	the	the	DET
ejif-2758	223	9	"	"	PUNCT
ejif-2758	223	10	knowledge	knowledge	NOUN
ejif-2758	223	11	day	day	NOUN
ejif-2758	223	12	"	"	PUNCT
ejif-2758	223	13	that	that	PRON
ejif-2758	223	14	regularly	regularly	ADV
ejif-2758	223	15	take	take	VERB
ejif-2758	223	16	place	place	NOUN
ejif-2758	223	17	at	at	ADP
ejif-2758	223	18	least	least	ADJ
ejif-2758	223	19	once	once	ADV
ejif-2758	223	20	per	per	ADP
ejif-2758	223	21	months	month	NOUN
ejif-2758	223	22	and	and	CCONJ
ejif-2758	223	23	consists	consist	VERB
ejif-2758	223	24	of	of	ADP
ejif-2758	223	25	a	a	DET
ejif-2758	223	26	meeting	meeting	NOUN
ejif-2758	223	27	among	among	ADP
ejif-2758	223	28	the	the	DET
ejif-2758	223	29	staff	staff	NOUN
ejif-2758	223	30	to	to	PART
ejif-2758	223	31	receive	receive	VERB
ejif-2758	223	32	some	some	DET
ejif-2758	223	33	training	training	NOUN
ejif-2758	223	34	regarding	regard	VERB
ejif-2758	223	35	topics	topic	NOUN
ejif-2758	223	36	that	that	PRON
ejif-2758	223	37	may	may	AUX
ejif-2758	223	38	be	be	AUX
ejif-2758	223	39	useful	useful	ADJ
ejif-2758	223	40	to	to	PART
ejif-2758	223	41	improve	improve	VERB
ejif-2758	223	42	the	the	DET
ejif-2758	223	43	service	service	NOUN
ejif-2758	223	44	accompanied	accompany	VERB
ejif-2758	223	45	by	by	ADP
ejif-2758	223	46	spiritual	spiritual	ADJ
ejif-2758	223	47	messages	message	NOUN
ejif-2758	223	48	.	.	PUNCT
ejif-2758	224	1	the	the	DET
ejif-2758	224	2	objective	objective	NOUN
ejif-2758	224	3	is	be	AUX
ejif-2758	224	4	to	to	PART
ejif-2758	224	5	foster	foster	PROPN
ejif-2758	224	6	bsm	bsm	PROPN
ejif-2758	224	7	values	value	NOUN
ejif-2758	224	8	in	in	ADP
ejif-2758	224	9	the	the	DET
ejif-2758	224	10	branch	branch	NOUN
ejif-2758	224	11	,	,	PUNCT
ejif-2758	224	12	positive	positive	ADJ
ejif-2758	224	13	thinking	thinking	NOUN
ejif-2758	224	14	,	,	PUNCT
ejif-2758	224	15	and	and	CCONJ
ejif-2758	224	16	proactivity	proactivity	NOUN
ejif-2758	224	17	among	among	ADP
ejif-2758	224	18	staff	staff	NOUN
ejif-2758	224	19	.	.	PUNCT
ejif-2758	225	1	moreover	moreover	ADV
ejif-2758	225	2	,	,	PUNCT
ejif-2758	225	3	the	the	DET
ejif-2758	225	4	branch	branch	NOUN
ejif-2758	225	5	manager	manager	NOUN
ejif-2758	225	6	is	be	AUX
ejif-2758	225	7	to	to	ADP
ejif-2758	225	8	any	any	DET
ejif-2758	225	9	consult	consult	NOUN
ejif-2758	225	10	from	from	ADP
ejif-2758	225	11	the	the	DET
ejif-2758	225	12	staff	staff	NOUN
ejif-2758	225	13	.	.	PUNCT
ejif-2758	226	1	in	in	ADP
ejif-2758	226	2	cengkareng	cengkareng	PROPN
ejif-2758	226	3	,	,	PUNCT
ejif-2758	226	4	the	the	DET
ejif-2758	226	5	branch	branch	NOUN
ejif-2758	226	6	manager	manager	NOUN
ejif-2758	226	7	is	be	AUX
ejif-2758	226	8	conscious	conscious	ADJ
ejif-2758	226	9	of	of	ADP
ejif-2758	226	10	the	the	DET
ejif-2758	226	11	lack	lack	NOUN
ejif-2758	226	12	of	of	ADP
ejif-2758	226	13	personality	personality	NOUN
ejif-2758	226	14	in	in	ADP
ejif-2758	226	15	the	the	DET
ejif-2758	226	16	micro	micro	NOUN
ejif-2758	226	17	banking	banking	NOUN
ejif-2758	226	18	thus	thus	ADV
ejif-2758	226	19	the	the	DET
ejif-2758	226	20	branch	branch	NOUN
ejif-2758	226	21	manager	manager	NOUN
ejif-2758	226	22	strives	strive	VERB
ejif-2758	226	23	to	to	PART
ejif-2758	226	24	boost	boost	VERB
ejif-2758	226	25	independence	independence	NOUN
ejif-2758	226	26	,	,	PUNCT
ejif-2758	226	27	proactivity	proactivity	NOUN
ejif-2758	226	28	,	,	PUNCT
ejif-2758	226	29	and	and	CCONJ
ejif-2758	226	30	creativity	creativity	NOUN
ejif-2758	226	31	among	among	ADP
ejif-2758	226	32	the	the	DET
ejif-2758	226	33	staff	staff	NOUN
ejif-2758	226	34	to	to	PART
ejif-2758	226	35	make	make	VERB
ejif-2758	226	36	them	they	PRON
ejif-2758	226	37	able	able	ADJ
ejif-2758	226	38	to	to	PART
ejif-2758	226	39	deal	deal	VERB
ejif-2758	226	40	with	with	ADP
ejif-2758	226	41	such	such	ADJ
ejif-2758	226	42	lack	lack	NOUN
ejif-2758	226	43	.	.	PUNCT
ejif-2758	227	1	therefore	therefore	ADV
ejif-2758	227	2	,	,	PUNCT
ejif-2758	227	3	each	each	DET
ejif-2758	227	4	micro	micro	ADJ
ejif-2758	227	5	agent	agent	NOUN
ejif-2758	227	6	in	in	ADP
ejif-2758	227	7	cengkareng	cengkareng	NOUN
ejif-2758	227	8	is	be	AUX
ejif-2758	227	9	capable	capable	ADJ
ejif-2758	227	10	of	of	ADP
ejif-2758	227	11	developing	develop	VERB
ejif-2758	227	12	functions	function	NOUN
ejif-2758	227	13	like	like	ADP
ejif-2758	227	14	sales	sale	NOUN
ejif-2758	227	15	,	,	PUNCT
ejif-2758	227	16	screening	screening	NOUN
ejif-2758	227	17	,	,	PUNCT
ejif-2758	227	18	monitoring	monitoring	NOUN
ejif-2758	227	19	,	,	PUNCT
ejif-2758	227	20	and	and	CCONJ
ejif-2758	227	21	enforcement	enforcement	NOUN
ejif-2758	227	22	.	.	PUNCT
ejif-2758	228	1	in	in	ADP
ejif-2758	228	2	duri	duri	PROPN
ejif-2758	228	3	kosambi	kosambi	PROPN
ejif-2758	228	4	,	,	PUNCT
ejif-2758	228	5	the	the	DET
ejif-2758	228	6	branch	branch	NOUN
ejif-2758	228	7	manager	manager	NOUN
ejif-2758	228	8	boosts	boost	VERB
ejif-2758	228	9	continuous	continuous	ADJ
ejif-2758	228	10	surveillance	surveillance	NOUN
ejif-2758	228	11	of	of	ADP
ejif-2758	228	12	the	the	DET
ejif-2758	228	13	internal	internal	ADJ
ejif-2758	228	14	performance	performance	NOUN
ejif-2758	228	15	inside	inside	ADP
ejif-2758	228	16	the	the	DET
ejif-2758	228	17	branch	branch	NOUN
ejif-2758	228	18	where	where	SCONJ
ejif-2758	228	19	the	the	DET
ejif-2758	228	20	more	more	ADJ
ejif-2758	228	21	expertise	expertise	NOUN
ejif-2758	228	22	micro	micro	NOUN
ejif-2758	228	23	officers	officer	NOUN
ejif-2758	228	24	shared	share	VERB
ejif-2758	228	25	their	their	PRON
ejif-2758	228	26	knowledge	knowledge	NOUN
ejif-2758	228	27	with	with	ADP
ejif-2758	228	28	the	the	DET
ejif-2758	228	29	newer	new	ADJ
ejif-2758	228	30	integrant	integrant	ADJ
ejif-2758	228	31	to	to	PART
ejif-2758	228	32	prepare	prepare	VERB
ejif-2758	228	33	him	he	PRON
ejif-2758	228	34	to	to	PART
ejif-2758	228	35	deal	deal	VERB
ejif-2758	228	36	with	with	ADP
ejif-2758	228	37	the	the	DET
ejif-2758	228	38	most	most	ADV
ejif-2758	228	39	demanding	demanding	ADJ
ejif-2758	228	40	clients	client	NOUN
ejif-2758	228	41	or	or	CCONJ
ejif-2758	228	42	solve	solve	VERB
ejif-2758	228	43	any	any	DET
ejif-2758	228	44	difficulty	difficulty	NOUN
ejif-2758	228	45	.	.	PUNCT
ejif-2758	229	1	besides	besides	SCONJ
ejif-2758	229	2	,	,	PUNCT
ejif-2758	229	3	as	as	ADP
ejif-2758	229	4	the	the	DET
ejif-2758	229	5	internal	internal	ADJ
ejif-2758	229	6	policy	policy	NOUN
ejif-2758	229	7	,	,	PUNCT
ejif-2758	229	8	the	the	DET
ejif-2758	229	9	micro	micro	ADJ
ejif-2758	229	10	team	team	NOUN
ejif-2758	229	11	has	have	AUX
ejif-2758	229	12	daily	daily	ADV
ejif-2758	229	13	a	a	DET
ejif-2758	229	14	meeting	meeting	NOUN
ejif-2758	229	15	to	to	PART
ejif-2758	229	16	follow	follow	VERB
ejif-2758	229	17	its	its	PRON
ejif-2758	229	18	performance	performance	NOUN
ejif-2758	229	19	and	and	CCONJ
ejif-2758	229	20	solve	solve	VERB
ejif-2758	229	21	together	together	ADP
ejif-2758	229	22	problems	problem	NOUN
ejif-2758	229	23	.	.	PUNCT
ejif-2758	230	1	moreover	moreover	ADV
ejif-2758	230	2	,	,	PUNCT
ejif-2758	230	3	the	the	DET
ejif-2758	230	4	area	area	NOUN
ejif-2758	230	5	micro	micro	PROPN
ejif-2758	230	6	banking	banking	NOUN
ejif-2758	230	7	manager	manager	NOUN
ejif-2758	230	8	is	be	AUX
ejif-2758	230	9	the	the	DET
ejif-2758	230	10	agent	agent	NOUN
ejif-2758	230	11	in	in	ADP
ejif-2758	230	12	charge	charge	NOUN
ejif-2758	230	13	of	of	ADP
ejif-2758	230	14	supervising	supervise	VERB
ejif-2758	230	15	the	the	DET
ejif-2758	230	16	performance	performance	NOUN
ejif-2758	230	17	of	of	ADP
ejif-2758	230	18	both	both	DET
ejif-2758	230	19	branches	branch	NOUN
ejif-2758	230	20	thus	thus	ADV
ejif-2758	230	21	he	he	PRON
ejif-2758	230	22	also	also	ADV
ejif-2758	230	23	delivers	deliver	VERB
ejif-2758	230	24	training	training	NOUN
ejif-2758	230	25	to	to	PART
ejif-2758	230	26	keep	keep	VERB
ejif-2758	230	27	the	the	DET
ejif-2758	230	28	staff	staff	NOUN
ejif-2758	230	29	updated	update	VERB
ejif-2758	230	30	about	about	ADP
ejif-2758	230	31	practices	practice	NOUN
ejif-2758	230	32	that	that	PRON
ejif-2758	230	33	enhance	enhance	VERB
ejif-2758	230	34	the	the	DET
ejif-2758	230	35	quality	quality	NOUN
ejif-2758	230	36	of	of	ADP
ejif-2758	230	37	service	service	NOUN
ejif-2758	230	38	likewise	likewise	ADV
ejif-2758	230	39	the	the	DET
ejif-2758	230	40	financial	financial	ADJ
ejif-2758	230	41	sustainability	sustainability	NOUN
ejif-2758	230	42	of	of	ADP
ejif-2758	230	43	the	the	DET
ejif-2758	230	44	area	area	NOUN
ejif-2758	230	45	micro	micro	NOUN
ejif-2758	230	46	.	.	PROPN
ejif-2758	231	1	3	3	X
ejif-2758	231	2	)	)	PUNCT
ejif-2758	231	3	npf	npf	NOUN
ejif-2758	231	4	limits	limit	NOUN
ejif-2758	231	5	according	accord	VERB
ejif-2758	231	6	to	to	ADP
ejif-2758	231	7	policies	policy	NOUN
ejif-2758	231	8	of	of	ADP
ejif-2758	231	9	headquarters	headquarters	NOUN
ejif-2758	231	10	,	,	PUNCT
ejif-2758	231	11	the	the	DET
ejif-2758	231	12	performance	performance	NOUN
ejif-2758	231	13	of	of	ADP
ejif-2758	231	14	the	the	DET
ejif-2758	231	15	nfp	nfp	PROPN
ejif-2758	231	16	is	be	AUX
ejif-2758	231	17	classified	classify	VERB
ejif-2758	231	18	into	into	ADP
ejif-2758	231	19	three	three	NUM
ejif-2758	231	20	zones	zone	NOUN
ejif-2758	231	21	that	that	PRON
ejif-2758	231	22	shown	show	VERB
ejif-2758	231	23	in	in	ADP
ejif-2758	231	24	figure	figure	NOUN
ejif-2758	231	25	3	3	NUM
ejif-2758	231	26	below	below	ADV
ejif-2758	231	27	:	:	PUNCT
ejif-2758	231	28	figure	figure	VERB
ejif-2758	231	29	3	3	NUM
ejif-2758	231	30	.	.	PUNCT
ejif-2758	232	1	npf	npf	PROPN
ejif-2758	232	2	classification	classification	PROPN
ejif-2758	232	3	a	a	PRON
ejif-2758	232	4	)	)	PUNCT
ejif-2758	232	5	green	green	ADJ
ejif-2758	232	6	zone	zone	NOUN
ejif-2758	232	7	:	:	PUNCT
ejif-2758	232	8	when	when	SCONJ
ejif-2758	232	9	the	the	DET
ejif-2758	232	10	npf	npf	NOUN
ejif-2758	232	11	is	be	AUX
ejif-2758	232	12	between	between	ADP
ejif-2758	232	13	0	0	NUM
ejif-2758	232	14	to	to	PART
ejif-2758	232	15	1	1	NUM
ejif-2758	232	16	%	%	NOUN
ejif-2758	232	17	,	,	PUNCT
ejif-2758	232	18	b	b	NOUN
ejif-2758	232	19	)	)	PUNCT
ejif-2758	232	20	yellow	yellow	ADJ
ejif-2758	232	21	zone	zone	NOUN
ejif-2758	232	22	:	:	PUNCT
ejif-2758	232	23	that	that	PRON
ejif-2758	232	24	goes	go	VERB
ejif-2758	232	25	from	from	ADP
ejif-2758	232	26	1	1	NUM
ejif-2758	232	27	to	to	PART
ejif-2758	232	28	3	3	NUM
ejif-2758	232	29	%	%	NOUN
ejif-2758	232	30	,	,	PUNCT
ejif-2758	232	31	c	c	NOUN
ejif-2758	232	32	)	)	PUNCT
ejif-2758	232	33	red	red	ADJ
ejif-2758	232	34	zone	zone	NOUN
ejif-2758	232	35	:	:	PUNCT
ejif-2758	232	36	when	when	SCONJ
ejif-2758	232	37	the	the	DET
ejif-2758	232	38	npf	npf	NOUN
ejif-2758	232	39	is	be	AUX
ejif-2758	232	40	higher	high	ADJ
ejif-2758	232	41	than	than	ADP
ejif-2758	232	42	3	3	NUM
ejif-2758	232	43	%	%	NOUN
ejif-2758	232	44	.	.	PUNCT
ejif-2758	233	1	on	on	ADP
ejif-2758	233	2	this	this	DET
ejif-2758	233	3	stage	stage	NOUN
ejif-2758	233	4	,	,	PUNCT
ejif-2758	233	5	both	both	DET
ejif-2758	233	6	institutions	institution	NOUN
ejif-2758	233	7	take	take	VERB
ejif-2758	233	8	advantage	advantage	NOUN
ejif-2758	233	9	of	of	ADP
ejif-2758	233	10	the	the	DET
ejif-2758	233	11	religion	religion	NOUN
ejif-2758	233	12	as	as	ADP
ejif-2758	233	13	an	an	DET
ejif-2758	233	14	enforcement	enforcement	NOUN
ejif-2758	233	15	tool	tool	NOUN
ejif-2758	233	16	that	that	PRON
ejif-2758	233	17	seems	seem	VERB
ejif-2758	233	18	to	to	PART
ejif-2758	233	19	have	have	VERB
ejif-2758	233	20	good	good	ADJ
ejif-2758	233	21	results	result	NOUN
ejif-2758	233	22	,	,	PUNCT
ejif-2758	233	23	as	as	SCONJ
ejif-2758	233	24	their	their	PRON
ejif-2758	233	25	portfolio	portfolio	NOUN
ejif-2758	233	26	is	be	AUX
ejif-2758	233	27	mostly	mostly	ADV
ejif-2758	233	28	compound	compound	VERB
ejif-2758	233	29	by	by	ADP
ejif-2758	233	30	muslim	muslim	ADJ
ejif-2758	233	31	clients	client	NOUN
ejif-2758	233	32	.	.	PUNCT
ejif-2758	234	1	according	accord	VERB
ejif-2758	234	2	to	to	ADP
ejif-2758	234	3	the	the	DET
ejif-2758	234	4	opinion	opinion	NOUN
ejif-2758	234	5	of	of	ADP
ejif-2758	234	6	the	the	DET
ejif-2758	234	7	micro	micro	ADJ
ejif-2758	234	8	officers	officer	NOUN
ejif-2758	234	9	,	,	PUNCT
ejif-2758	234	10	this	this	DET
ejif-2758	234	11	element	element	NOUN
ejif-2758	234	12	makes	make	VERB
ejif-2758	234	13	a	a	DET
ejif-2758	234	14	big	big	ADJ
ejif-2758	234	15	difference	difference	NOUN
ejif-2758	234	16	between	between	ADP
ejif-2758	234	17	conventional	conventional	ADJ
ejif-2758	234	18	and	and	CCONJ
ejif-2758	234	19	islamic	islamic	ADJ
ejif-2758	234	20	banking	banking	NOUN
ejif-2758	234	21	(	(	PUNCT
ejif-2758	234	22	iqbal	iqbal	PROPN
ejif-2758	234	23	et	et	PROPN
ejif-2758	234	24	al	al	PROPN
ejif-2758	234	25	.	.	PROPN
ejif-2758	234	26	,	,	PUNCT
ejif-2758	234	27	2006	2006	NUM
ejif-2758	234	28	)	)	PUNCT
ejif-2758	234	29	.	.	PUNCT
ejif-2758	235	1	moreover	moreover	ADV
ejif-2758	235	2	,	,	PUNCT
ejif-2758	235	3	the	the	DET
ejif-2758	235	4	institutions	institution	NOUN
ejif-2758	235	5	ejif	ejif	VERB
ejif-2758	235	6	–	–	PUNCT
ejif-2758	235	7	european	european	PROPN
ejif-2758	235	8	journal	journal	PROPN
ejif-2758	235	9	of	of	ADP
ejif-2758	235	10	islamic	islamic	PROPN
ejif-2758	235	11	finance	finance	PROPN
ejif-2758	235	12	no11	no11	PROPN
ejif-2758	235	13	,	,	PUNCT
ejif-2758	235	14	december	december	PROPN
ejif-2758	235	15	(	(	PUNCT
ejif-2758	235	16	2018	2018	NUM
ejif-2758	235	17	)	)	PUNCT
ejif-2758	236	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	236	2	issn	issn	VERB
ejif-2758	236	3	2421	2421	NUM
ejif-2758	236	4	-	-	SYM
ejif-2758	236	5	2172	2172	NUM
ejif-2758	236	6	8	8	NUM
ejif-2758	236	7	describe	describe	VERB
ejif-2758	236	8	the	the	DET
ejif-2758	236	9	enforcement	enforcement	NOUN
ejif-2758	236	10	procedures	procedure	NOUN
ejif-2758	236	11	which	which	PRON
ejif-2758	236	12	are	be	AUX
ejif-2758	236	13	soft	soft	ADJ
ejif-2758	236	14	at	at	ADP
ejif-2758	236	15	the	the	DET
ejif-2758	236	16	beginning	beginning	NOUN
ejif-2758	236	17	,	,	PUNCT
ejif-2758	236	18	but	but	CCONJ
ejif-2758	236	19	these	these	PRON
ejif-2758	236	20	tend	tend	VERB
ejif-2758	236	21	to	to	PART
ejif-2758	236	22	b.	b.	VERB
ejif-2758	236	23	furthermore	furthermore	ADV
ejif-2758	236	24	,	,	PUNCT
ejif-2758	236	25	if	if	SCONJ
ejif-2758	236	26	the	the	DET
ejif-2758	236	27	npf	npf	NOUN
ejif-2758	236	28	is	be	AUX
ejif-2758	236	29	above	above	ADP
ejif-2758	236	30	5	5	NUM
ejif-2758	236	31	%	%	NOUN
ejif-2758	236	32	the	the	DET
ejif-2758	236	33	unit	unit	NOUN
ejif-2758	236	34	of	of	ADP
ejif-2758	236	35	credit	credit	NOUN
ejif-2758	236	36	has	have	VERB
ejif-2758	236	37	to	to	PART
ejif-2758	236	38	be	be	AUX
ejif-2758	236	39	a	a	DET
ejif-2758	236	40	freeze	freeze	NOUN
ejif-2758	236	41	,	,	PUNCT
ejif-2758	236	42	means	mean	VERB
ejif-2758	236	43	that	that	SCONJ
ejif-2758	236	44	the	the	DET
ejif-2758	236	45	micro	micro	ADJ
ejif-2758	236	46	officers	officer	NOUN
ejif-2758	236	47	must	must	AUX
ejif-2758	236	48	stop	stop	VERB
ejif-2758	236	49	the	the	DET
ejif-2758	236	50	sales	sale	NOUN
ejif-2758	236	51	of	of	ADP
ejif-2758	236	52	credit	credit	NOUN
ejif-2758	236	53	and	and	CCONJ
ejif-2758	236	54	shift	shift	VERB
ejif-2758	236	55	only	only	ADV
ejif-2758	236	56	to	to	ADP
ejif-2758	236	57	collection	collection	NOUN
ejif-2758	236	58	activities	activity	NOUN
ejif-2758	236	59	until	until	SCONJ
ejif-2758	236	60	reach	reach	VERB
ejif-2758	236	61	an	an	DET
ejif-2758	236	62	acceptable	acceptable	ADJ
ejif-2758	236	63	npf	npf	NOUN
ejif-2758	236	64	.	.	PUNCT
ejif-2758	237	1	in	in	ADP
ejif-2758	237	2	this	this	DET
ejif-2758	237	3	sense	sense	NOUN
ejif-2758	237	4	,	,	PUNCT
ejif-2758	237	5	the	the	DET
ejif-2758	237	6	branch	branch	NOUN
ejif-2758	237	7	managers	manager	NOUN
ejif-2758	237	8	have	have	VERB
ejif-2758	237	9	to	to	PART
ejif-2758	237	10	follow	follow	VERB
ejif-2758	237	11	the	the	DET
ejif-2758	237	12	formal	formal	ADJ
ejif-2758	237	13	procedures	procedure	NOUN
ejif-2758	237	14	and	and	CCONJ
ejif-2758	237	15	instructions	instruction	NOUN
ejif-2758	237	16	of	of	ADP
ejif-2758	237	17	headquarters	headquarters	NOUN
ejif-2758	237	18	.	.	PUNCT
ejif-2758	238	1	ecome	ecome	VERB
ejif-2758	238	2	harder	hard	ADV
ejif-2758	238	3	as	as	ADP
ejif-2758	238	4	long	long	ADV
ejif-2758	238	5	late	late	ADJ
ejif-2758	238	6	time	time	NOUN
ejif-2758	238	7	is	be	AUX
ejif-2758	238	8	increasing	increase	VERB
ejif-2758	238	9	.	.	PUNCT
ejif-2758	239	1	4	4	X
ejif-2758	239	2	)	)	PUNCT
ejif-2758	239	3	segmentation	segmentation	NOUN
ejif-2758	239	4	although	although	SCONJ
ejif-2758	239	5	branch	branch	NOUN
ejif-2758	239	6	managers	manager	NOUN
ejif-2758	239	7	have	have	VERB
ejif-2758	239	8	the	the	DET
ejif-2758	239	9	freedom	freedom	NOUN
ejif-2758	239	10	to	to	PART
ejif-2758	239	11	manage	manage	VERB
ejif-2758	239	12	their	their	PRON
ejif-2758	239	13	agency	agency	NOUN
ejif-2758	239	14	activities	activity	NOUN
ejif-2758	239	15	,	,	PUNCT
ejif-2758	239	16	also	also	ADV
ejif-2758	239	17	they	they	PRON
ejif-2758	239	18	have	have	VERB
ejif-2758	239	19	to	to	PART
ejif-2758	239	20	drive	drive	VERB
ejif-2758	239	21	their	their	PRON
ejif-2758	239	22	strategies	strategy	NOUN
ejif-2758	239	23	toward	toward	ADP
ejif-2758	239	24	the	the	DET
ejif-2758	239	25	fulfillment	fulfillment	NOUN
ejif-2758	239	26	of	of	ADP
ejif-2758	239	27	the	the	DET
ejif-2758	239	28	business	business	NOUN
ejif-2758	239	29	strategies	strategy	NOUN
ejif-2758	239	30	of	of	ADP
ejif-2758	239	31	headquarters	headquarters	NOUN
ejif-2758	239	32	.	.	PUNCT
ejif-2758	240	1	there	there	PRON
ejif-2758	240	2	is	be	VERB
ejif-2758	240	3	not	not	PART
ejif-2758	240	4	an	an	DET
ejif-2758	240	5	explicit	explicit	ADJ
ejif-2758	240	6	instruction	instruction	NOUN
ejif-2758	240	7	for	for	ADP
ejif-2758	240	8	the	the	DET
ejif-2758	240	9	type	type	NOUN
ejif-2758	240	10	of	of	ADP
ejif-2758	240	11	client	client	NOUN
ejif-2758	240	12	(	(	PUNCT
ejif-2758	240	13	employees	employee	NOUN
ejif-2758	240	14	,	,	PUNCT
ejif-2758	240	15	entrepreneurs	entrepreneur	NOUN
ejif-2758	240	16	,	,	PUNCT
ejif-2758	240	17	hybrid	hybrid	NOUN
ejif-2758	240	18	)	)	PUNCT
ejif-2758	240	19	.	.	PUNCT
ejif-2758	241	1	thus	thus	ADV
ejif-2758	241	2	the	the	DET
ejif-2758	241	3	branch	branch	NOUN
ejif-2758	241	4	has	have	VERB
ejif-2758	241	5	the	the	DET
ejif-2758	241	6	freedom	freedom	NOUN
ejif-2758	241	7	to	to	PART
ejif-2758	241	8	settle	settle	VERB
ejif-2758	241	9	his	his	PRON
ejif-2758	241	10	portfolio	portfolio	NOUN
ejif-2758	241	11	composition	composition	NOUN
ejif-2758	241	12	as	as	ADV
ejif-2758	241	13	long	long	ADV
ejif-2758	241	14	as	as	SCONJ
ejif-2758	241	15	they	they	PRON
ejif-2758	241	16	consider	consider	VERB
ejif-2758	241	17	the	the	DET
ejif-2758	241	18	client	client	NOUN
ejif-2758	241	19	's	's	PART
ejif-2758	241	20	needs	need	NOUN
ejif-2758	241	21	.	.	PUNCT
ejif-2758	242	1	d.	d.	PROPN
ejif-2758	242	2	discussion	discussion	NOUN
ejif-2758	242	3	between	between	ADP
ejif-2758	242	4	findings	finding	NOUN
ejif-2758	242	5	and	and	CCONJ
ejif-2758	242	6	literature	literature	NOUN
ejif-2758	242	7	review	review	NOUN
ejif-2758	242	8	according	accord	VERB
ejif-2758	242	9	to	to	ADP
ejif-2758	242	10	the	the	DET
ejif-2758	242	11	interviews	interview	NOUN
ejif-2758	242	12	,	,	PUNCT
ejif-2758	242	13	it	it	PRON
ejif-2758	242	14	seems	seem	VERB
ejif-2758	242	15	that	that	SCONJ
ejif-2758	242	16	duri	duri	PROPN
ejif-2758	242	17	kosambi	kosambi	PROPN
ejif-2758	242	18	has	have	VERB
ejif-2758	242	19	better	well	ADJ
ejif-2758	242	20	risk	risk	NOUN
ejif-2758	242	21	management	management	NOUN
ejif-2758	242	22	strategies	strategy	NOUN
ejif-2758	242	23	comparing	compare	VERB
ejif-2758	242	24	to	to	ADP
ejif-2758	242	25	cengkareng	cengkareng	PROPN
ejif-2758	242	26	.	.	PUNCT
ejif-2758	243	1	duri	duri	PROPN
ejif-2758	243	2	kosambi	kosambi	PROPN
ejif-2758	243	3	emphasizes	emphasize	VERB
ejif-2758	243	4	on	on	ADP
ejif-2758	243	5	the	the	DET
ejif-2758	243	6	screening	screening	NOUN
ejif-2758	243	7	activities	activity	NOUN
ejif-2758	243	8	to	to	PART
ejif-2758	243	9	avoid	avoid	VERB
ejif-2758	243	10	the	the	DET
ejif-2758	243	11	client	client	NOUN
ejif-2758	243	12	exceeds	exceed	VERB
ejif-2758	243	13	the	the	DET
ejif-2758	243	14	collectivity	collectivity	NOUN
ejif-2758	243	15	2b	2b	NOUN
ejif-2758	243	16	which	which	PRON
ejif-2758	243	17	means	mean	VERB
ejif-2758	243	18	no	no	DET
ejif-2758	243	19	more	more	ADJ
ejif-2758	243	20	than	than	ADP
ejif-2758	243	21	two	two	NUM
ejif-2758	243	22	months	month	NOUN
ejif-2758	243	23	,	,	PUNCT
ejif-2758	243	24	according	accord	VERB
ejif-2758	243	25	to	to	ADP
ejif-2758	243	26	the	the	DET
ejif-2758	243	27	comments	comment	NOUN
ejif-2758	243	28	from	from	ADP
ejif-2758	243	29	duri	duri	PROPN
ejif-2758	243	30	kosambi	kosambi	PROPN
ejif-2758	243	31	manager	manager	NOUN
ejif-2758	243	32	the	the	DET
ejif-2758	243	33	branch	branch	NOUN
ejif-2758	243	34	has	have	AUX
ejif-2758	243	35	not	not	PART
ejif-2758	243	36	faced	face	VERB
ejif-2758	243	37	until	until	ADP
ejif-2758	243	38	now	now	ADV
ejif-2758	243	39	clients	client	NOUN
ejif-2758	243	40	that	that	PRON
ejif-2758	243	41	surpass	surpass	VERB
ejif-2758	243	42	60	60	NUM
ejif-2758	243	43	days	day	NOUN
ejif-2758	243	44	of	of	ADP
ejif-2758	243	45	overdue	overdue	ADJ
ejif-2758	243	46	.	.	PUNCT
ejif-2758	244	1	in	in	ADP
ejif-2758	244	2	contrary	contrary	ADJ
ejif-2758	244	3	cengkareng	cengkareng	NOUN
ejif-2758	244	4	during	during	ADP
ejif-2758	244	5	2014	2014	NUM
ejif-2758	244	6	had	have	VERB
ejif-2758	244	7	to	to	PART
ejif-2758	244	8	come	come	VERB
ejif-2758	244	9	out	out	ADP
ejif-2758	244	10	from	from	ADP
ejif-2758	244	11	financial	financial	ADJ
ejif-2758	244	12	instability	instability	NOUN
ejif-2758	244	13	.	.	PUNCT
ejif-2758	245	1	until	until	ADP
ejif-2758	245	2	now	now	ADV
ejif-2758	245	3	cengkareng	cengkareng	NOUN
ejif-2758	245	4	manager	manager	NOUN
ejif-2758	245	5	is	be	AUX
ejif-2758	245	6	capable	capable	ADJ
ejif-2758	245	7	of	of	ADP
ejif-2758	245	8	surfacing	surface	VERB
ejif-2758	245	9	the	the	DET
ejif-2758	245	10	crisis	crisis	NOUN
ejif-2758	245	11	and	and	CCONJ
ejif-2758	245	12	currently	currently	ADV
ejif-2758	245	13	keeps	keep	VERB
ejif-2758	245	14	an	an	DET
ejif-2758	245	15	acceptable	acceptable	ADJ
ejif-2758	245	16	npf	npf	NOUN
ejif-2758	245	17	despite	despite	SCONJ
ejif-2758	245	18	the	the	DET
ejif-2758	245	19	staff	staff	NOUN
ejif-2758	245	20	limitation	limitation	NOUN
ejif-2758	245	21	.	.	PUNCT
ejif-2758	246	1	moreover	moreover	ADV
ejif-2758	246	2	,	,	PUNCT
ejif-2758	246	3	in	in	ADP
ejif-2758	246	4	cengkareng	cengkareng	NOUN
ejif-2758	246	5	the	the	DET
ejif-2758	246	6	staff	staff	NOUN
ejif-2758	246	7	is	be	AUX
ejif-2758	246	8	newer	new	ADJ
ejif-2758	246	9	than	than	ADP
ejif-2758	246	10	duri	duri	PROPN
ejif-2758	246	11	kosambi	kosambi	PROPN
ejif-2758	246	12	thus	thus	ADV
ejif-2758	246	13	the	the	DET
ejif-2758	246	14	staff	staff	NOUN
ejif-2758	246	15	still	still	ADV
ejif-2758	246	16	has	have	VERB
ejif-2758	246	17	to	to	PART
ejif-2758	246	18	develop	develop	VERB
ejif-2758	246	19	natural	natural	ADJ
ejif-2758	246	20	skills	skill	NOUN
ejif-2758	246	21	than	than	SCONJ
ejif-2758	246	22	come	come	VERB
ejif-2758	246	23	over	over	ADP
ejif-2758	246	24	time	time	NOUN
ejif-2758	246	25	.	.	PUNCT
ejif-2758	247	1	1	1	X
ejif-2758	247	2	)	)	PUNCT
ejif-2758	247	3	risk	risk	NOUN
ejif-2758	247	4	acceptance	acceptance	NOUN
ejif-2758	247	5	according	accord	VERB
ejif-2758	247	6	to	to	ADP
ejif-2758	247	7	the	the	DET
ejif-2758	247	8	interviews	interview	NOUN
ejif-2758	247	9	,	,	PUNCT
ejif-2758	247	10	it	it	PRON
ejif-2758	247	11	seems	seem	VERB
ejif-2758	247	12	that	that	SCONJ
ejif-2758	247	13	duri	duri	PROPN
ejif-2758	247	14	kosambi	kosambi	PROPN
ejif-2758	247	15	has	have	VERB
ejif-2758	247	16	better	well	ADJ
ejif-2758	247	17	risk	risk	NOUN
ejif-2758	247	18	management	management	NOUN
ejif-2758	247	19	strategies	strategy	NOUN
ejif-2758	247	20	comparing	compare	VERB
ejif-2758	247	21	to	to	ADP
ejif-2758	247	22	cengkareng	cengkareng	PROPN
ejif-2758	247	23	.	.	PUNCT
ejif-2758	248	1	duri	duri	PROPN
ejif-2758	248	2	kosambi	kosambi	PROPN
ejif-2758	248	3	emphasizes	emphasize	VERB
ejif-2758	248	4	on	on	ADP
ejif-2758	248	5	the	the	DET
ejif-2758	248	6	screening	screening	NOUN
ejif-2758	248	7	activities	activity	NOUN
ejif-2758	248	8	to	to	PART
ejif-2758	248	9	avoid	avoid	VERB
ejif-2758	248	10	the	the	DET
ejif-2758	248	11	client	client	NOUN
ejif-2758	248	12	exceeds	exceed	VERB
ejif-2758	248	13	the	the	DET
ejif-2758	248	14	collectivity	collectivity	NOUN
ejif-2758	248	15	2b	2b	NOUN
ejif-2758	248	16	which	which	PRON
ejif-2758	248	17	means	mean	VERB
ejif-2758	248	18	no	no	DET
ejif-2758	248	19	more	more	ADJ
ejif-2758	248	20	than	than	ADP
ejif-2758	248	21	two	two	NUM
ejif-2758	248	22	months	month	NOUN
ejif-2758	248	23	,	,	PUNCT
ejif-2758	248	24	according	accord	VERB
ejif-2758	248	25	to	to	ADP
ejif-2758	248	26	the	the	DET
ejif-2758	248	27	comments	comment	NOUN
ejif-2758	248	28	from	from	ADP
ejif-2758	248	29	duri	duri	PROPN
ejif-2758	248	30	kosambi	kosambi	PROPN
ejif-2758	248	31	manager	manager	NOUN
ejif-2758	248	32	the	the	DET
ejif-2758	248	33	branch	branch	NOUN
ejif-2758	248	34	has	have	AUX
ejif-2758	248	35	not	not	PART
ejif-2758	248	36	faced	face	VERB
ejif-2758	248	37	until	until	ADP
ejif-2758	248	38	now	now	ADV
ejif-2758	248	39	clients	client	NOUN
ejif-2758	248	40	that	that	PRON
ejif-2758	248	41	surpass	surpass	VERB
ejif-2758	248	42	60	60	NUM
ejif-2758	248	43	days	day	NOUN
ejif-2758	248	44	of	of	ADP
ejif-2758	248	45	overdue	overdue	ADJ
ejif-2758	248	46	.	.	PUNCT
ejif-2758	249	1	in	in	ADP
ejif-2758	249	2	contrary	contrary	ADJ
ejif-2758	249	3	cengkareng	cengkareng	NOUN
ejif-2758	249	4	during	during	ADP
ejif-2758	249	5	2014	2014	NUM
ejif-2758	249	6	had	have	VERB
ejif-2758	249	7	to	to	PART
ejif-2758	249	8	come	come	VERB
ejif-2758	249	9	out	out	ADP
ejif-2758	249	10	from	from	ADP
ejif-2758	249	11	financial	financial	ADJ
ejif-2758	249	12	instability	instability	NOUN
ejif-2758	249	13	.	.	PUNCT
ejif-2758	250	1	until	until	ADP
ejif-2758	250	2	now	now	ADV
ejif-2758	250	3	cengkareng	cengkareng	NOUN
ejif-2758	250	4	manager	manager	NOUN
ejif-2758	250	5	is	be	AUX
ejif-2758	250	6	capable	capable	ADJ
ejif-2758	250	7	of	of	ADP
ejif-2758	250	8	surfacing	surface	VERB
ejif-2758	250	9	the	the	DET
ejif-2758	250	10	crisis	crisis	NOUN
ejif-2758	250	11	and	and	CCONJ
ejif-2758	250	12	currently	currently	ADV
ejif-2758	250	13	keeps	keep	VERB
ejif-2758	250	14	an	an	DET
ejif-2758	250	15	acceptable	acceptable	ADJ
ejif-2758	250	16	npf	npf	NOUN
ejif-2758	250	17	despite	despite	SCONJ
ejif-2758	250	18	the	the	DET
ejif-2758	250	19	staff	staff	NOUN
ejif-2758	250	20	limitation	limitation	NOUN
ejif-2758	250	21	.	.	PUNCT
ejif-2758	251	1	moreover	moreover	ADV
ejif-2758	251	2	,	,	PUNCT
ejif-2758	251	3	in	in	ADP
ejif-2758	251	4	cengkareng	cengkareng	NOUN
ejif-2758	251	5	the	the	DET
ejif-2758	251	6	staff	staff	NOUN
ejif-2758	251	7	is	be	AUX
ejif-2758	251	8	newer	new	ADJ
ejif-2758	251	9	than	than	ADP
ejif-2758	251	10	duri	duri	PROPN
ejif-2758	251	11	kosambi	kosambi	PROPN
ejif-2758	251	12	thus	thus	ADV
ejif-2758	251	13	the	the	DET
ejif-2758	251	14	staff	staff	NOUN
ejif-2758	251	15	still	still	ADV
ejif-2758	251	16	has	have	VERB
ejif-2758	251	17	to	to	PART
ejif-2758	251	18	develop	develop	VERB
ejif-2758	251	19	natural	natural	ADJ
ejif-2758	251	20	skills	skill	NOUN
ejif-2758	251	21	than	than	SCONJ
ejif-2758	251	22	come	come	VERB
ejif-2758	251	23	over	over	ADP
ejif-2758	251	24	time	time	NOUN
ejif-2758	251	25	.	.	PUNCT
ejif-2758	252	1	2	2	X
ejif-2758	252	2	)	)	PUNCT
ejif-2758	252	3	credit	credit	NOUN
ejif-2758	252	4	analysis	analysis	NOUN
ejif-2758	252	5	regarding	regard	VERB
ejif-2758	252	6	credit	credit	NOUN
ejif-2758	252	7	analysis	analysis	NOUN
ejif-2758	252	8	,	,	PUNCT
ejif-2758	252	9	both	both	DET
ejif-2758	252	10	institutions	institution	NOUN
ejif-2758	252	11	assess	assess	VERB
ejif-2758	252	12	the	the	DET
ejif-2758	252	13	5	5	NUM
ejif-2758	252	14	c	c	NOUN
ejif-2758	252	15	’s	’s	PART
ejif-2758	252	16	(	(	PUNCT
ejif-2758	252	17	character	character	NOUN
ejif-2758	252	18	,	,	PUNCT
ejif-2758	252	19	capacity	capacity	NOUN
ejif-2758	252	20	,	,	PUNCT
ejif-2758	252	21	collateral	collateral	NOUN
ejif-2758	252	22	,	,	PUNCT
ejif-2758	252	23	capital	capital	NOUN
ejif-2758	252	24	,	,	PUNCT
ejif-2758	252	25	and	and	CCONJ
ejif-2758	252	26	condition	condition	NOUN
ejif-2758	252	27	)	)	PUNCT
ejif-2758	252	28	of	of	ADP
ejif-2758	252	29	each	each	DET
ejif-2758	252	30	application	application	NOUN
ejif-2758	252	31	.	.	PUNCT
ejif-2758	253	1	however	however	ADV
ejif-2758	253	2	,	,	PUNCT
ejif-2758	253	3	both	both	PRON
ejif-2758	253	4	consider	consider	VERB
ejif-2758	253	5	the	the	DET
ejif-2758	253	6	character	character	NOUN
ejif-2758	253	7	,	,	PUNCT
ejif-2758	253	8	capacity	capacity	NOUN
ejif-2758	253	9	and	and	CCONJ
ejif-2758	253	10	collateral	collateral	ADJ
ejif-2758	253	11	assessment	assessment	NOUN
ejif-2758	253	12	as	as	ADP
ejif-2758	253	13	core	core	NOUN
ejif-2758	253	14	features	feature	NOUN
ejif-2758	253	15	in	in	ADP
ejif-2758	253	16	the	the	DET
ejif-2758	253	17	microfinance	microfinance	NOUN
ejif-2758	253	18	field	field	NOUN
ejif-2758	253	19	.	.	PUNCT
ejif-2758	254	1	the	the	DET
ejif-2758	254	2	figure	figure	NOUN
ejif-2758	254	3	between	between	ADP
ejif-2758	254	4	cengkareng	cengkareng	PROPN
ejif-2758	254	5	and	and	CCONJ
ejif-2758	254	6	duri	duri	PROPN
ejif-2758	254	7	kosambi	kosambi	PROPN
ejif-2758	254	8	is	be	AUX
ejif-2758	254	9	opposite	opposite	ADJ
ejif-2758	254	10	.	.	PUNCT
ejif-2758	255	1	however	however	ADV
ejif-2758	255	2	,	,	PUNCT
ejif-2758	255	3	both	both	PRON
ejif-2758	255	4	have	have	VERB
ejif-2758	255	5	the	the	DET
ejif-2758	255	6	same	same	ADJ
ejif-2758	255	7	appreciation	appreciation	NOUN
ejif-2758	255	8	of	of	ADP
ejif-2758	255	9	the	the	DET
ejif-2758	255	10	clients	client	NOUN
ejif-2758	255	11	which	which	PRON
ejif-2758	255	12	are	be	AUX
ejif-2758	255	13	classified	classify	VERB
ejif-2758	255	14	into	into	ADP
ejif-2758	255	15	three	three	NUM
ejif-2758	255	16	categories	category	NOUN
ejif-2758	255	17	:	:	PUNCT
ejif-2758	255	18	•	•	NUM
ejif-2758	255	19	entrepreneurs	entrepreneur	NOUN
ejif-2758	255	20	•	•	NUM
ejif-2758	255	21	employees	employee	NOUN
ejif-2758	255	22	•	•	VERB
ejif-2758	255	23	hybrid	hybrid	NOUN
ejif-2758	255	24	(	(	PUNCT
ejif-2758	255	25	those	those	PRON
ejif-2758	255	26	who	who	PRON
ejif-2758	255	27	are	be	AUX
ejif-2758	255	28	both	both	PRON
ejif-2758	255	29	at	at	ADP
ejif-2758	255	30	the	the	DET
ejif-2758	255	31	same	same	ADJ
ejif-2758	255	32	time	time	NOUN
ejif-2758	255	33	)	)	PUNCT
ejif-2758	255	34	note	note	NOUN
ejif-2758	255	35	:	:	PUNCT
ejif-2758	255	36	in	in	ADP
ejif-2758	255	37	figure	figure	NOUN
ejif-2758	255	38	4	4	NUM
ejif-2758	255	39	of	of	ADP
ejif-2758	255	40	cengkareng	cengkareng	NOUN
ejif-2758	255	41	branch	branch	NOUN
ejif-2758	255	42	the	the	DET
ejif-2758	255	43	percentage	percentage	NOUN
ejif-2758	255	44	of	of	ADP
ejif-2758	255	45	employees	employee	NOUN
ejif-2758	255	46	includes	include	VERB
ejif-2758	255	47	the	the	DET
ejif-2758	255	48	percentage	percentage	NOUN
ejif-2758	255	49	of	of	ADP
ejif-2758	255	50	hybrid	hybrid	ADJ
ejif-2758	255	51	clients	client	NOUN
ejif-2758	255	52	.	.	PUNCT
ejif-2758	256	1	cengkareng	cengkareng	PROPN
ejif-2758	256	2	currently	currently	ADV
ejif-2758	256	3	,	,	PUNCT
ejif-2758	256	4	in	in	ADP
ejif-2758	256	5	cengkareng	cengkareng	NOUN
ejif-2758	256	6	the	the	DET
ejif-2758	256	7	portfolio	portfolio	NOUN
ejif-2758	256	8	composition	composition	NOUN
ejif-2758	256	9	has	have	VERB
ejif-2758	256	10	a	a	DET
ejif-2758	256	11	major	major	ADJ
ejif-2758	256	12	percentage	percentage	NOUN
ejif-2758	256	13	of	of	ADP
ejif-2758	256	14	employees	employee	NOUN
ejif-2758	256	15	which	which	PRON
ejif-2758	256	16	are	be	AUX
ejif-2758	256	17	60	60	NUM
ejif-2758	256	18	%	%	NOUN
ejif-2758	256	19	,	,	PUNCT
ejif-2758	256	20	and	and	CCONJ
ejif-2758	256	21	40	40	NUM
ejif-2758	256	22	%	%	NOUN
ejif-2758	256	23	are	be	AUX
ejif-2758	256	24	entrepreneurs	entrepreneur	NOUN
ejif-2758	256	25	(	(	PUNCT
ejif-2758	256	26	figure	figure	NOUN
ejif-2758	256	27	4	4	NUM
ejif-2758	256	28	)	)	PUNCT
ejif-2758	256	29	.	.	PUNCT
ejif-2758	257	1	according	accord	VERB
ejif-2758	257	2	to	to	ADP
ejif-2758	257	3	the	the	DET
ejif-2758	257	4	branch	branch	NOUN
ejif-2758	257	5	manager	manager	NOUN
ejif-2758	257	6	,	,	PUNCT
ejif-2758	257	7	the	the	DET
ejif-2758	257	8	reason	reason	NOUN
ejif-2758	257	9	is	be	AUX
ejif-2758	257	10	that	that	SCONJ
ejif-2758	257	11	the	the	DET
ejif-2758	257	12	clients	client	NOUN
ejif-2758	257	13	with	with	ADP
ejif-2758	257	14	fix	fix	NOUN
ejif-2758	257	15	source	source	NOUN
ejif-2758	257	16	of	of	ADP
ejif-2758	257	17	income	income	NOUN
ejif-2758	257	18	tend	tend	VERB
ejif-2758	257	19	to	to	PART
ejif-2758	257	20	be	be	AUX
ejif-2758	257	21	less	less	ADV
ejif-2758	257	22	risky	risky	ADJ
ejif-2758	257	23	than	than	ADP
ejif-2758	257	24	real	real	ADJ
ejif-2758	257	25	entrepreneurs	entrepreneur	NOUN
ejif-2758	257	26	.	.	PUNCT
ejif-2758	258	1	therefore	therefore	ADV
ejif-2758	258	2	,	,	PUNCT
ejif-2758	258	3	they	they	PRON
ejif-2758	258	4	seek	seek	VERB
ejif-2758	258	5	customers	customer	NOUN
ejif-2758	258	6	who	who	PRON
ejif-2758	258	7	have	have	VERB
ejif-2758	258	8	a	a	DET
ejif-2758	258	9	second	second	ADJ
ejif-2758	258	10	source	source	NOUN
ejif-2758	258	11	of	of	ADP
ejif-2758	258	12	income	income	NOUN
ejif-2758	258	13	means	mean	VERB
ejif-2758	258	14	that	that	SCONJ
ejif-2758	258	15	even	even	ADV
ejif-2758	258	16	if	if	SCONJ
ejif-2758	258	17	they	they	PRON
ejif-2758	258	18	have	have	VERB
ejif-2758	258	19	a	a	DET
ejif-2758	258	20	regular	regular	ADJ
ejif-2758	258	21	job	job	NOUN
ejif-2758	258	22	in	in	ADP
ejif-2758	258	23	parallel	parallel	NOUN
ejif-2758	258	24	,	,	PUNCT
ejif-2758	258	25	they	they	PRON
ejif-2758	258	26	develop	develop	VERB
ejif-2758	258	27	their	their	PRON
ejif-2758	258	28	own	own	ADJ
ejif-2758	258	29	business	business	NOUN
ejif-2758	258	30	and	and	CCONJ
ejif-2758	258	31	need	need	VERB
ejif-2758	258	32	some	some	DET
ejif-2758	258	33	capital	capital	NOUN
ejif-2758	258	34	to	to	PART
ejif-2758	258	35	invest	invest	VERB
ejif-2758	258	36	.	.	PUNCT
ejif-2758	259	1	such	such	ADJ
ejif-2758	259	2	us	us	PROPN
ejif-2758	259	3	client	client	NOUN
ejif-2758	259	4	fulfill	fulfill	VERB
ejif-2758	259	5	the	the	DET
ejif-2758	259	6	capacity	capacity	NOUN
ejif-2758	259	7	requirements	requirement	NOUN
ejif-2758	259	8	.	.	PUNCT
ejif-2758	260	1	however	however	ADV
ejif-2758	260	2	,	,	PUNCT
ejif-2758	260	3	any	any	DET
ejif-2758	260	4	client	client	NOUN
ejif-2758	260	5	is	be	AUX
ejif-2758	260	6	a	a	DET
ejif-2758	260	7	good	good	ADJ
ejif-2758	260	8	candidate	candidate	NOUN
ejif-2758	260	9	as	as	ADV
ejif-2758	260	10	long	long	ADV
ejif-2758	260	11	as	as	SCONJ
ejif-2758	260	12	he	he	PRON
ejif-2758	260	13	is	be	AUX
ejif-2758	260	14	capable	capable	ADJ
ejif-2758	260	15	of	of	ADP
ejif-2758	260	16	proving	prove	VERB
ejif-2758	260	17	his	his	PRON
ejif-2758	260	18	financial	financial	ADJ
ejif-2758	260	19	ability	ability	NOUN
ejif-2758	260	20	to	to	PART
ejif-2758	260	21	repay	repay	VERB
ejif-2758	260	22	.	.	PUNCT
ejif-2758	261	1	figure	figure	VERB
ejif-2758	261	2	4	4	NUM
ejif-2758	261	3	.	.	PUNCT
ejif-2758	261	4	micro	micro	ADJ
ejif-2758	261	5	financing	financing	NOUN
ejif-2758	261	6	portfolio	portfolio	NOUN
ejif-2758	261	7	of	of	ADP
ejif-2758	261	8	cengkareng	cengkareng	PROPN
ejif-2758	261	9	branch	branch	NOUN
ejif-2758	261	10	the	the	DET
ejif-2758	261	11	clients	client	NOUN
ejif-2758	261	12	with	with	ADP
ejif-2758	261	13	a	a	DET
ejif-2758	261	14	second	second	ADJ
ejif-2758	261	15	source	source	NOUN
ejif-2758	261	16	of	of	ADP
ejif-2758	261	17	income	income	NOUN
ejif-2758	261	18	are	be	AUX
ejif-2758	261	19	included	include	VERB
ejif-2758	261	20	in	in	ADP
ejif-2758	261	21	the	the	DET
ejif-2758	261	22	60	60	NUM
ejif-2758	261	23	%	%	NOUN
ejif-2758	261	24	.	.	PUNCT
ejif-2758	262	1	the	the	DET
ejif-2758	262	2	history	history	NOUN
ejif-2758	262	3	of	of	ADP
ejif-2758	262	4	cengkareng	cengkareng	PROPN
ejif-2758	262	5	highlights	highlight	NOUN
ejif-2758	262	6	that	that	PRON
ejif-2758	262	7	the	the	DET
ejif-2758	262	8	behavior	behavior	NOUN
ejif-2758	262	9	of	of	ADP
ejif-2758	262	10	the	the	DET
ejif-2758	262	11	npf	npf	NOUN
ejif-2758	262	12	is	be	AUX
ejif-2758	262	13	positively	positively	ADV
ejif-2758	262	14	correlated	correlate	VERB
ejif-2758	262	15	with	with	ADP
ejif-2758	262	16	the	the	DET
ejif-2758	262	17	entrepreneur	entrepreneur	NOUN
ejif-2758	262	18	’s	’s	PART
ejif-2758	262	19	percentage	percentage	NOUN
ejif-2758	262	20	.	.	PUNCT
ejif-2758	263	1	therefore	therefore	ADV
ejif-2758	263	2	,	,	PUNCT
ejif-2758	263	3	the	the	DET
ejif-2758	263	4	meanwhile	meanwhile	ADV
ejif-2758	263	5	higher	high	ADJ
ejif-2758	263	6	percentage	percentage	NOUN
ejif-2758	263	7	of	of	ADP
ejif-2758	263	8	the	the	DET
ejif-2758	263	9	pure	pure	ADJ
ejif-2758	263	10	entrepreneur	entrepreneur	NOUN
ejif-2758	263	11	in	in	ADP
ejif-2758	263	12	the	the	DET
ejif-2758	263	13	portfolio	portfolio	NOUN
ejif-2758	263	14	,	,	PUNCT
ejif-2758	263	15	the	the	DET
ejif-2758	263	16	npf	npf	NOUN
ejif-2758	263	17	in	in	ADP
ejif-2758	263	18	cengkareng	cengkareng	PROPN
ejif-2758	263	19	tends	tend	VERB
ejif-2758	263	20	to	to	PART
ejif-2758	263	21	be	be	AUX
ejif-2758	263	22	higher	high	ADJ
ejif-2758	263	23	.	.	PUNCT
ejif-2758	264	1	duri	duri	PROPN
ejif-2758	264	2	kosambi	kosambi	PROPN
ejif-2758	264	3	according	accord	VERB
ejif-2758	264	4	to	to	ADP
ejif-2758	264	5	the	the	DET
ejif-2758	264	6	theory	theory	NOUN
ejif-2758	264	7	of	of	ADP
ejif-2758	264	8	mersland	mersland	PROPN
ejif-2758	264	9	and	and	CCONJ
ejif-2758	264	10	strom	strom	PROPN
ejif-2758	264	11	,	,	PUNCT
ejif-2758	264	12	(	(	PUNCT
ejif-2758	264	13	2010	2010	NUM
ejif-2758	264	14	)	)	PUNCT
ejif-2758	264	15	which	which	PRON
ejif-2758	264	16	supports	support	VERB
ejif-2758	264	17	that	that	SCONJ
ejif-2758	264	18	in	in	ADP
ejif-2758	264	19	emerging	emerge	VERB
ejif-2758	264	20	economies	economy	NOUN
ejif-2758	264	21	,	,	PUNCT
ejif-2758	264	22	micro	micro	NOUN
ejif-2758	264	23	and	and	CCONJ
ejif-2758	264	24	enterprises	enterprise	NOUN
ejif-2758	264	25	might	might	AUX
ejif-2758	264	26	be	be	AUX
ejif-2758	264	27	an	an	DET
ejif-2758	264	28	attractive	attractive	ADJ
ejif-2758	264	29	market	market	NOUN
ejif-2758	264	30	opportunity	opportunity	NOUN
ejif-2758	264	31	for	for	ADP
ejif-2758	264	32	microfinance	microfinance	NOUN
ejif-2758	264	33	services	service	NOUN
ejif-2758	264	34	providers	provider	NOUN
ejif-2758	264	35	.	.	PUNCT
ejif-2758	265	1	duri	duri	PROPN
ejif-2758	265	2	kosambi	kosambi	PROPN
ejif-2758	265	3	embraces	embrace	VERB
ejif-2758	265	4	this	this	DET
ejif-2758	265	5	theory	theory	NOUN
ejif-2758	265	6	thus	thus	ADV
ejif-2758	265	7	the	the	DET
ejif-2758	265	8	figure	figure	NOUN
ejif-2758	265	9	is	be	AUX
ejif-2758	265	10	different	different	ADJ
ejif-2758	265	11	,	,	PUNCT
ejif-2758	265	12	they	they	PRON
ejif-2758	265	13	support	support	VERB
ejif-2758	265	14	mostly	mostly	ADV
ejif-2758	265	15	the	the	DET
ejif-2758	265	16	entrepreneurs	entrepreneur	NOUN
ejif-2758	265	17	.	.	PUNCT
ejif-2758	266	1	the	the	DET
ejif-2758	266	2	entrepreneur	entrepreneur	NOUN
ejif-2758	266	3	sector	sector	NOUN
ejif-2758	266	4	commonly	commonly	ADV
ejif-2758	266	5	has	have	VERB
ejif-2758	266	6	an	an	DET
ejif-2758	266	7	income	income	NOUN
ejif-2758	266	8	which	which	PRON
ejif-2758	266	9	is	be	AUX
ejif-2758	266	10	sensitive	sensitive	ADJ
ejif-2758	266	11	to	to	ADP
ejif-2758	266	12	external	external	ADJ
ejif-2758	266	13	features	feature	NOUN
ejif-2758	266	14	thus	thus	ADV
ejif-2758	266	15	tend	tend	VERB
ejif-2758	266	16	to	to	PART
ejif-2758	266	17	be	be	AUX
ejif-2758	266	18	fluctuating	fluctuate	VERB
ejif-2758	266	19	.	.	PUNCT
ejif-2758	267	1	therefore	therefore	ADV
ejif-2758	267	2	,	,	PUNCT
ejif-2758	267	3	during	during	ADP
ejif-2758	267	4	the	the	DET
ejif-2758	267	5	screening	screening	NOUN
ejif-2758	267	6	process	process	NOUN
ejif-2758	267	7	in	in	ADP
ejif-2758	267	8	duri	duri	PROPN
ejif-2758	267	9	kosambi	kosambi	PROPN
ejif-2758	267	10	,	,	PUNCT
ejif-2758	267	11	the	the	DET
ejif-2758	267	12	micro	micro	ADJ
ejif-2758	267	13	officers	officer	NOUN
ejif-2758	267	14	are	be	AUX
ejif-2758	267	15	more	more	ADV
ejif-2758	267	16	exhaustive	exhaustive	ADJ
ejif-2758	267	17	.	.	PUNCT
ejif-2758	268	1	moreover	moreover	ADV
ejif-2758	268	2	,	,	PUNCT
ejif-2758	268	3	the	the	DET
ejif-2758	268	4	micro	micro	ADJ
ejif-2758	268	5	officers	officer	NOUN
ejif-2758	268	6	take	take	VERB
ejif-2758	268	7	advantage	advantage	NOUN
ejif-2758	268	8	of	of	ADP
ejif-2758	268	9	their	their	PRON
ejif-2758	268	10	innate	innate	ADJ
ejif-2758	268	11	work	work	NOUN
ejif-2758	268	12	experience	experience	NOUN
ejif-2758	268	13	that	that	PRON
ejif-2758	268	14	equips	equip	VERB
ejif-2758	268	15	them	they	PRON
ejif-2758	268	16	to	to	PART
ejif-2758	268	17	assess	assess	VERB
ejif-2758	268	18	efficiently	efficiently	ADV
ejif-2758	268	19	the	the	DET
ejif-2758	268	20	entrepreneurs	entrepreneur	NOUN
ejif-2758	268	21	’	’	PART
ejif-2758	268	22	ability	ability	NOUN
ejif-2758	268	23	to	to	PART
ejif-2758	268	24	pay	pay	VERB
ejif-2758	268	25	.	.	PUNCT
ejif-2758	269	1	in	in	ADP
ejif-2758	269	2	duri	duri	PROPN
ejif-2758	269	3	kosambi	kosambi	PROPN
ejif-2758	269	4	branch	branch	PROPN
ejif-2758	269	5	the	the	DET
ejif-2758	269	6	significant	significant	ADJ
ejif-2758	269	7	percentage	percentage	NOUN
ejif-2758	269	8	of	of	ADP
ejif-2758	269	9	the	the	DET
ejif-2758	269	10	portfolio	portfolio	NOUN
ejif-2758	269	11	is	be	AUX
ejif-2758	269	12	compounded	compound	VERB
ejif-2758	269	13	by	by	ADP
ejif-2758	269	14	clients	client	NOUN
ejif-2758	269	15	who	who	PRON
ejif-2758	269	16	are	be	AUX
ejif-2758	269	17	entrepreneurs	entrepreneur	NOUN
ejif-2758	269	18	(	(	PUNCT
ejif-2758	269	19	figure	figure	NOUN
ejif-2758	269	20	5	5	NUM
ejif-2758	269	21	)	)	PUNCT
ejif-2758	269	22	.	.	PUNCT
ejif-2758	270	1	according	accord	VERB
ejif-2758	270	2	to	to	ADP
ejif-2758	270	3	the	the	DET
ejif-2758	270	4	comments	comment	NOUN
ejif-2758	270	5	of	of	ADP
ejif-2758	270	6	the	the	DET
ejif-2758	270	7	micro	micro	ADJ
ejif-2758	270	8	officers	officer	NOUN
ejif-2758	270	9	,	,	PUNCT
ejif-2758	270	10	the	the	DET
ejif-2758	270	11	entrepreneurs	entrepreneur	NOUN
ejif-2758	270	12	'	'	PART
ejif-2758	270	13	customers	customer	NOUN
ejif-2758	270	14	in	in	ADP
ejif-2758	270	15	duri	duri	PROPN
ejif-2758	270	16	kosambi	kosambi	PROPN
ejif-2758	270	17	are	be	AUX
ejif-2758	270	18	dedicated	dedicate	VERB
ejif-2758	270	19	mostly	mostly	ADV
ejif-2758	270	20	to	to	PART
ejif-2758	270	21	rent	rent	VERB
ejif-2758	270	22	,	,	PUNCT
ejif-2758	270	23	groceries	grocery	NOUN
ejif-2758	270	24	,	,	PUNCT
ejif-2758	270	25	and	and	CCONJ
ejif-2758	270	26	repairs	repair	NOUN
ejif-2758	270	27	services	service	NOUN
ejif-2758	270	28	.	.	PUNCT
ejif-2758	271	1	figure	figure	NOUN
ejif-2758	271	2	5	5	NUM
ejif-2758	271	3	.	.	PUNCT
ejif-2758	271	4	micro	micro	PROPN
ejif-2758	271	5	financing	financing	NOUN
ejif-2758	271	6	portfolio	portfolio	NOUN
ejif-2758	271	7	of	of	ADP
ejif-2758	271	8	kosambi	kosambi	PROPN
ejif-2758	271	9	branch	branch	PROPN
ejif-2758	271	10	ejif	ejif	PROPN
ejif-2758	271	11	–	–	PUNCT
ejif-2758	271	12	european	european	PROPN
ejif-2758	271	13	journal	journal	PROPN
ejif-2758	271	14	of	of	ADP
ejif-2758	271	15	islamic	islamic	PROPN
ejif-2758	271	16	finance	finance	PROPN
ejif-2758	271	17	no11	no11	PROPN
ejif-2758	271	18	,	,	PUNCT
ejif-2758	271	19	december	december	PROPN
ejif-2758	271	20	(	(	PUNCT
ejif-2758	271	21	2018	2018	NUM
ejif-2758	271	22	)	)	PUNCT
ejif-2758	272	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	272	2	issn	issn	VERB
ejif-2758	272	3	2421	2421	NUM
ejif-2758	272	4	-	-	SYM
ejif-2758	272	5	2172	2172	NUM
ejif-2758	272	6	9	9	NUM
ejif-2758	272	7	3	3	NUM
ejif-2758	272	8	)	)	PUNCT
ejif-2758	272	9	training	training	NOUN
ejif-2758	272	10	strategies	strategy	NOUN
ejif-2758	272	11	even	even	ADV
ejif-2758	272	12	though	though	SCONJ
ejif-2758	272	13	the	the	DET
ejif-2758	272	14	topics	topic	NOUN
ejif-2758	272	15	for	for	ADP
ejif-2758	272	16	the	the	DET
ejif-2758	272	17	training	training	NOUN
ejif-2758	272	18	in	in	ADP
ejif-2758	272	19	both	both	DET
ejif-2758	272	20	institutions	institution	NOUN
ejif-2758	272	21	pursue	pursue	VERB
ejif-2758	272	22	the	the	DET
ejif-2758	272	23	continuous	continuous	ADJ
ejif-2758	272	24	enhancement	enhancement	NOUN
ejif-2758	272	25	of	of	ADP
ejif-2758	272	26	the	the	DET
ejif-2758	272	27	quality	quality	NOUN
ejif-2758	272	28	of	of	ADP
ejif-2758	272	29	services	service	NOUN
ejif-2758	272	30	,	,	PUNCT
ejif-2758	272	31	both	both	DET
ejif-2758	272	32	managers	manager	NOUN
ejif-2758	272	33	’	'	PUNCT
ejif-2758	272	34	strategies	strategy	NOUN
ejif-2758	272	35	are	be	AUX
ejif-2758	272	36	supported	support	VERB
ejif-2758	272	37	by	by	ADP
ejif-2758	272	38	different	different	ADJ
ejif-2758	272	39	bases	basis	NOUN
ejif-2758	272	40	.	.	PUNCT
ejif-2758	273	1	it	it	PRON
ejif-2758	273	2	consists	consist	VERB
ejif-2758	273	3	in	in	ADP
ejif-2758	273	4	to	to	PART
ejif-2758	273	5	boost	boost	VERB
ejif-2758	273	6	leadership	leadership	NOUN
ejif-2758	273	7	,	,	PUNCT
ejif-2758	273	8	independence	independence	NOUN
ejif-2758	273	9	,	,	PUNCT
ejif-2758	273	10	skills	skill	NOUN
ejif-2758	273	11	to	to	PART
ejif-2758	273	12	cope	cope	VERB
ejif-2758	273	13	with	with	ADP
ejif-2758	273	14	problems	problem	NOUN
ejif-2758	273	15	and	and	CCONJ
ejif-2758	273	16	creativity	creativity	NOUN
ejif-2758	273	17	.	.	PUNCT
ejif-2758	274	1	on	on	ADP
ejif-2758	274	2	the	the	DET
ejif-2758	274	3	other	other	ADJ
ejif-2758	274	4	hand	hand	NOUN
ejif-2758	274	5	,	,	PUNCT
ejif-2758	274	6	the	the	DET
ejif-2758	274	7	dimension	dimension	NOUN
ejif-2758	274	8	of	of	ADP
ejif-2758	274	9	climate	climate	NOUN
ejif-2758	274	10	environment	environment	NOUN
ejif-2758	274	11	pursues	pursue	VERB
ejif-2758	274	12	to	to	PART
ejif-2758	274	13	create	create	VERB
ejif-2758	274	14	enabling	enable	VERB
ejif-2758	274	15	an	an	DET
ejif-2758	274	16	environment	environment	NOUN
ejif-2758	274	17	that	that	PRON
ejif-2758	274	18	encourages	encourage	VERB
ejif-2758	274	19	efficiency	efficiency	NOUN
ejif-2758	274	20	,	,	PUNCT
ejif-2758	274	21	solidarity	solidarity	NOUN
ejif-2758	274	22	,	,	PUNCT
ejif-2758	274	23	and	and	CCONJ
ejif-2758	274	24	satisfaction	satisfaction	NOUN
ejif-2758	274	25	of	of	ADP
ejif-2758	274	26	the	the	DET
ejif-2758	274	27	staff	staff	NOUN
ejif-2758	274	28	.	.	PUNCT
ejif-2758	275	1	in	in	ADP
ejif-2758	275	2	duri	duri	PROPN
ejif-2758	275	3	kosambi	kosambi	PROPN
ejif-2758	275	4	the	the	DET
ejif-2758	275	5	central	central	ADJ
ejif-2758	275	6	pillar	pillar	NOUN
ejif-2758	275	7	is	be	AUX
ejif-2758	275	8	supported	support	VERB
ejif-2758	275	9	by	by	ADP
ejif-2758	275	10	work	work	NOUN
ejif-2758	275	11	team	team	NOUN
ejif-2758	275	12	and	and	CCONJ
ejif-2758	275	13	mutual	mutual	ADJ
ejif-2758	275	14	solidarity	solidarity	NOUN
ejif-2758	275	15	among	among	ADP
ejif-2758	275	16	the	the	DET
ejif-2758	275	17	staff	staff	NOUN
ejif-2758	275	18	.	.	PUNCT
ejif-2758	276	1	the	the	DET
ejif-2758	276	2	branch	branch	NOUN
ejif-2758	276	3	manager	manager	NOUN
ejif-2758	276	4	is	be	AUX
ejif-2758	276	5	entirely	entirely	ADV
ejif-2758	276	6	convinced	convince	VERB
ejif-2758	276	7	that	that	SCONJ
ejif-2758	276	8	under	under	ADP
ejif-2758	276	9	a	a	DET
ejif-2758	276	10	good	good	ADJ
ejif-2758	276	11	work	work	NOUN
ejif-2758	276	12	team	team	NOUN
ejif-2758	276	13	the	the	DET
ejif-2758	276	14	micro	micro	ADJ
ejif-2758	276	15	officers	officer	NOUN
ejif-2758	276	16	may	may	AUX
ejif-2758	276	17	quickly	quickly	ADV
ejif-2758	276	18	solve	solve	VERB
ejif-2758	276	19	any	any	DET
ejif-2758	276	20	problem	problem	NOUN
ejif-2758	276	21	inside	inside	ADP
ejif-2758	276	22	the	the	DET
ejif-2758	276	23	institution	institution	NOUN
ejif-2758	276	24	.	.	PUNCT
ejif-2758	277	1	therefore	therefore	ADV
ejif-2758	277	2	,	,	PUNCT
ejif-2758	277	3	in	in	ADP
ejif-2758	277	4	duri	duri	PROPN
ejif-2758	277	5	kosambi	kosambi	PROPN
ejif-2758	277	6	there	there	PRON
ejif-2758	277	7	is	be	VERB
ejif-2758	277	8	a	a	DET
ejif-2758	277	9	daily	daily	ADJ
ejif-2758	277	10	meeting	meeting	NOUN
ejif-2758	277	11	at	at	ADP
ejif-2758	277	12	the	the	DET
ejif-2758	277	13	end	end	NOUN
ejif-2758	277	14	of	of	ADP
ejif-2758	277	15	the	the	DET
ejif-2758	277	16	day	day	NOUN
ejif-2758	277	17	to	to	PART
ejif-2758	277	18	review	review	VERB
ejif-2758	277	19	the	the	DET
ejif-2758	277	20	daily	daily	ADJ
ejif-2758	277	21	compliance	compliance	NOUN
ejif-2758	277	22	,	,	PUNCT
ejif-2758	277	23	exchange	exchange	NOUN
ejif-2758	277	24	experience	experience	NOUN
ejif-2758	277	25	,	,	PUNCT
ejif-2758	277	26	and	and	CCONJ
ejif-2758	277	27	work	work	VERB
ejif-2758	277	28	together	together	ADV
ejif-2758	277	29	to	to	PART
ejif-2758	277	30	solve	solve	VERB
ejif-2758	277	31	problems	problem	NOUN
ejif-2758	277	32	.	.	PUNCT
ejif-2758	278	1	for	for	ADP
ejif-2758	278	2	the	the	DET
ejif-2758	278	3	newer	new	ADJ
ejif-2758	278	4	staff	staff	NOUN
ejif-2758	278	5	despite	despite	SCONJ
ejif-2758	278	6	the	the	DET
ejif-2758	278	7	formal	formal	ADJ
ejif-2758	278	8	training	training	NOUN
ejif-2758	278	9	,	,	PUNCT
ejif-2758	278	10	the	the	DET
ejif-2758	278	11	new	new	ADJ
ejif-2758	278	12	team	team	NOUN
ejif-2758	278	13	is	be	AUX
ejif-2758	278	14	supported	support	VERB
ejif-2758	278	15	by	by	ADP
ejif-2758	278	16	the	the	DET
ejif-2758	278	17	former	former	ADJ
ejif-2758	278	18	officers	officer	NOUN
ejif-2758	278	19	who	who	PRON
ejif-2758	278	20	have	have	VERB
ejif-2758	278	21	more	more	ADJ
ejif-2758	278	22	skills	skill	NOUN
ejif-2758	278	23	gained	gain	VERB
ejif-2758	278	24	in	in	ADP
ejif-2758	278	25	the	the	DET
ejif-2758	278	26	field	field	NOUN
ejif-2758	278	27	.	.	PUNCT
ejif-2758	279	1	4	4	X
ejif-2758	279	2	)	)	PUNCT
ejif-2758	279	3	collection	collection	NOUN
ejif-2758	279	4	to	to	ADP
ejif-2758	279	5	some	some	DET
ejif-2758	279	6	extent	extent	NOUN
ejif-2758	279	7	,	,	PUNCT
ejif-2758	279	8	both	both	DET
ejif-2758	279	9	institutions	institution	NOUN
ejif-2758	279	10	have	have	VERB
ejif-2758	279	11	enforcement	enforcement	NOUN
ejif-2758	279	12	techniques	technique	NOUN
ejif-2758	279	13	.	.	PUNCT
ejif-2758	280	1	however	however	ADV
ejif-2758	280	2	,	,	PUNCT
ejif-2758	280	3	in	in	ADP
ejif-2758	280	4	cengkareng	cengkareng	NOUN
ejif-2758	280	5	the	the	DET
ejif-2758	280	6	most	most	ADV
ejif-2758	280	7	effective	effective	ADJ
ejif-2758	280	8	mechanisms	mechanism	NOUN
ejif-2758	280	9	are	be	AUX
ejif-2758	280	10	the	the	DET
ejif-2758	280	11	promise	promise	NOUN
ejif-2758	280	12	of	of	ADP
ejif-2758	280	13	a	a	DET
ejif-2758	280	14	new	new	ADJ
ejif-2758	280	15	loan	loan	NOUN
ejif-2758	280	16	and	and	CCONJ
ejif-2758	280	17	encourage	encourage	VERB
ejif-2758	280	18	social	social	ADJ
ejif-2758	280	19	pressure	pressure	NOUN
ejif-2758	280	20	from	from	ADP
ejif-2758	280	21	relatives	relative	NOUN
ejif-2758	280	22	,	,	PUNCT
ejif-2758	280	23	family	family	NOUN
ejif-2758	280	24	or	or	CCONJ
ejif-2758	280	25	local	local	ADJ
ejif-2758	280	26	leader	leader	NOUN
ejif-2758	280	27	(	(	PUNCT
ejif-2758	280	28	gine	gine	NOUN
ejif-2758	280	29	&	&	CCONJ
ejif-2758	280	30	karlan	karlan	PROPN
ejif-2758	280	31	,	,	PUNCT
ejif-2758	280	32	2008	2008	NUM
ejif-2758	280	33	)	)	PUNCT
ejif-2758	280	34	.	.	PUNCT
ejif-2758	281	1	meanwhile	meanwhile	ADV
ejif-2758	281	2	,	,	PUNCT
ejif-2758	281	3	in	in	ADP
ejif-2758	281	4	duri	duri	PROPN
ejif-2758	281	5	kosambi	kosambi	PROPN
ejif-2758	281	6	the	the	DET
ejif-2758	281	7	most	most	ADV
ejif-2758	281	8	effective	effective	ADJ
ejif-2758	281	9	mechanisms	mechanism	NOUN
ejif-2758	281	10	are	be	AUX
ejif-2758	281	11	first	first	ADV
ejif-2758	281	12	the	the	DET
ejif-2758	281	13	religion	religion	NOUN
ejif-2758	281	14	and	and	CCONJ
ejif-2758	281	15	second	second	ADJ
ejif-2758	281	16	what	what	PRON
ejif-2758	281	17	is	be	AUX
ejif-2758	281	18	named	name	VERB
ejif-2758	281	19	"	"	PUNCT
ejif-2758	281	20	shock	shock	NOUN
ejif-2758	281	21	therapy	therapy	NOUN
ejif-2758	281	22	"	"	PUNCT
ejif-2758	281	23	which	which	PRON
ejif-2758	281	24	involves	involve	VERB
ejif-2758	281	25	all	all	DET
ejif-2758	281	26	the	the	DET
ejif-2758	281	27	team	team	NOUN
ejif-2758	281	28	visiting	visit	VERB
ejif-2758	281	29	the	the	DET
ejif-2758	281	30	client	client	NOUN
ejif-2758	281	31	.	.	PUNCT
ejif-2758	282	1	the	the	DET
ejif-2758	282	2	shock	shock	NOUN
ejif-2758	282	3	therapy	therapy	NOUN
ejif-2758	282	4	is	be	AUX
ejif-2758	282	5	usually	usually	ADV
ejif-2758	282	6	used	use	VERB
ejif-2758	282	7	when	when	SCONJ
ejif-2758	282	8	the	the	DET
ejif-2758	282	9	clients	client	NOUN
ejif-2758	282	10	overdue	overdue	ADJ
ejif-2758	282	11	is	be	AUX
ejif-2758	282	12	higher	high	ADJ
ejif-2758	282	13	.	.	PUNCT
ejif-2758	283	1	v.	v.	ADP
ejif-2758	283	2	conclusion	conclusion	NOUN
ejif-2758	283	3	islamic	islamic	PROPN
ejif-2758	283	4	bank	bank	PROPN
ejif-2758	283	5	acts	act	VERB
ejif-2758	283	6	as	as	ADP
ejif-2758	283	7	financial	financial	ADJ
ejif-2758	283	8	intermediaries	intermediary	NOUN
ejif-2758	283	9	providing	provide	VERB
ejif-2758	283	10	access	access	NOUN
ejif-2758	283	11	to	to	ADP
ejif-2758	283	12	financial	financial	ADJ
ejif-2758	283	13	services	service	NOUN
ejif-2758	283	14	such	such	ADJ
ejif-2758	283	15	as	as	ADP
ejif-2758	283	16	savings	saving	NOUN
ejif-2758	283	17	,	,	PUNCT
ejif-2758	283	18	loans	loan	NOUN
ejif-2758	283	19	,	,	PUNCT
ejif-2758	283	20	insurance	insurance	NOUN
ejif-2758	283	21	,	,	PUNCT
ejif-2758	283	22	remittances	remittance	NOUN
ejif-2758	283	23	.	.	PUNCT
ejif-2758	284	1	therefore	therefore	ADV
ejif-2758	284	2	,	,	PUNCT
ejif-2758	284	3	islamic	islamic	PROPN
ejif-2758	284	4	bank	bank	PROPN
ejif-2758	284	5	has	have	VERB
ejif-2758	284	6	to	to	PART
ejif-2758	284	7	be	be	AUX
ejif-2758	284	8	active	active	ADJ
ejif-2758	284	9	for	for	ADP
ejif-2758	284	10	screening	screen	VERB
ejif-2758	284	11	,	,	PUNCT
ejif-2758	284	12	monitoring	monitoring	NOUN
ejif-2758	284	13	,	,	PUNCT
ejif-2758	284	14	and	and	CCONJ
ejif-2758	284	15	enforcement	enforcement	NOUN
ejif-2758	284	16	activities	activity	NOUN
ejif-2758	284	17	.	.	PUNCT
ejif-2758	285	1	the	the	DET
ejif-2758	285	2	experience	experience	NOUN
ejif-2758	285	3	of	of	ADP
ejif-2758	285	4	bsm	bsm	PROPN
ejif-2758	285	5	proves	prove	VERB
ejif-2758	285	6	the	the	DET
ejif-2758	285	7	inherent	inherent	ADJ
ejif-2758	285	8	relation	relation	NOUN
ejif-2758	285	9	among	among	ADP
ejif-2758	285	10	screening	screening	NOUN
ejif-2758	285	11	,	,	PUNCT
ejif-2758	285	12	monitoring	monitoring	NOUN
ejif-2758	285	13	and	and	CCONJ
ejif-2758	285	14	enforcement	enforcement	NOUN
ejif-2758	285	15	and	and	CCONJ
ejif-2758	285	16	the	the	DET
ejif-2758	285	17	importance	importance	NOUN
ejif-2758	285	18	of	of	ADP
ejif-2758	285	19	developing	develop	VERB
ejif-2758	285	20	innovative	innovative	ADJ
ejif-2758	285	21	monitoring	monitoring	NOUN
ejif-2758	285	22	mechanisms	mechanism	NOUN
ejif-2758	285	23	that	that	PRON
ejif-2758	285	24	allow	allow	VERB
ejif-2758	285	25	anticipating	anticipate	VERB
ejif-2758	285	26	bad	bad	ADJ
ejif-2758	285	27	debt	debt	NOUN
ejif-2758	285	28	.	.	PUNCT
ejif-2758	286	1	also	also	ADV
ejif-2758	286	2	,	,	PUNCT
ejif-2758	286	3	it	it	PRON
ejif-2758	286	4	requires	require	VERB
ejif-2758	286	5	awareness	awareness	NOUN
ejif-2758	286	6	from	from	ADP
ejif-2758	286	7	customers	customer	NOUN
ejif-2758	286	8	that	that	PRON
ejif-2758	286	9	debt	debt	NOUN
ejif-2758	286	10	obligations	obligation	NOUN
ejif-2758	286	11	in	in	ADP
ejif-2758	286	12	the	the	DET
ejif-2758	286	13	perspective	perspective	NOUN
ejif-2758	286	14	of	of	ADP
ejif-2758	286	15	islamic	islamic	ADJ
ejif-2758	286	16	law	law	NOUN
ejif-2758	286	17	are	be	AUX
ejif-2758	286	18	mandatory	mandatory	ADJ
ejif-2758	286	19	so	so	SCONJ
ejif-2758	286	20	that	that	SCONJ
ejif-2758	286	21	in	in	ADP
ejif-2758	286	22	the	the	DET
ejif-2758	286	23	case	case	NOUN
ejif-2758	286	24	of	of	ADP
ejif-2758	286	25	arrears	arrear	NOUN
ejif-2758	286	26	,	,	PUNCT
ejif-2758	286	27	then	then	ADV
ejif-2758	286	28	it	it	PRON
ejif-2758	286	29	is	be	AUX
ejif-2758	286	30	caused	cause	VERB
ejif-2758	286	31	by	by	ADP
ejif-2758	286	32	business	business	NOUN
ejif-2758	286	33	failure	failure	NOUN
ejif-2758	286	34	is	be	AUX
ejif-2758	286	35	not	not	PART
ejif-2758	286	36	due	due	ADJ
ejif-2758	286	37	to	to	ADP
ejif-2758	286	38	bad	bad	ADJ
ejif-2758	286	39	faith	faith	NOUN
ejif-2758	286	40	from	from	ADP
ejif-2758	286	41	customers	customer	NOUN
ejif-2758	286	42	.	.	PUNCT
ejif-2758	287	1	in	in	ADP
ejif-2758	287	2	the	the	DET
ejif-2758	287	3	last	last	ADJ
ejif-2758	287	4	years	year	NOUN
ejif-2758	287	5	,	,	PUNCT
ejif-2758	287	6	technology	technology	NOUN
ejif-2758	287	7	has	have	AUX
ejif-2758	287	8	been	be	AUX
ejif-2758	287	9	developing	develop	VERB
ejif-2758	287	10	rapidly	rapidly	ADV
ejif-2758	287	11	to	to	PART
ejif-2758	287	12	facilitate	facilitate	VERB
ejif-2758	287	13	operations	operation	NOUN
ejif-2758	287	14	in	in	ADP
ejif-2758	287	15	every	every	DET
ejif-2758	287	16	kind	kind	NOUN
ejif-2758	287	17	of	of	ADP
ejif-2758	287	18	field	field	NOUN
ejif-2758	287	19	.	.	PUNCT
ejif-2758	288	1	in	in	ADP
ejif-2758	288	2	field	field	NOUN
ejif-2758	288	3	microfinance	microfinance	NOUN
ejif-2758	288	4	sector	sector	NOUN
ejif-2758	288	5	the	the	DET
ejif-2758	288	6	information	information	NOUN
ejif-2758	288	7	technology	technology	NOUN
ejif-2758	288	8	(	(	PUNCT
ejif-2758	288	9	it	it	PRON
ejif-2758	288	10	)	)	PUNCT
ejif-2758	288	11	is	be	AUX
ejif-2758	288	12	an	an	DET
ejif-2758	288	13	innovative	innovative	ADJ
ejif-2758	288	14	tool	tool	NOUN
ejif-2758	288	15	that	that	PRON
ejif-2758	288	16	can	can	AUX
ejif-2758	288	17	save	save	VERB
ejif-2758	288	18	optimize	optimize	NOUN
ejif-2758	288	19	operations	operation	NOUN
ejif-2758	288	20	and	and	CCONJ
ejif-2758	288	21	cost	cost	NOUN
ejif-2758	288	22	among	among	ADP
ejif-2758	288	23	mfis	mfis	PROPN
ejif-2758	288	24	.	.	PUNCT
ejif-2758	289	1	currently	currently	ADV
ejif-2758	289	2	,	,	PUNCT
ejif-2758	289	3	it	it	PRON
ejif-2758	289	4	has	have	AUX
ejif-2758	289	5	been	be	AUX
ejif-2758	289	6	acknowledged	acknowledge	VERB
ejif-2758	289	7	that	that	SCONJ
ejif-2758	289	8	tools	tool	NOUN
ejif-2758	289	9	such	such	ADJ
ejif-2758	289	10	as	as	ADP
ejif-2758	289	11	management	management	NOUN
ejif-2758	289	12	information	information	NOUN
ejif-2758	289	13	system	system	NOUN
ejif-2758	289	14	mis	mis	PROPN
ejif-2758	289	15	decrease	decrease	VERB
ejif-2758	289	16	significantly	significantly	ADV
ejif-2758	289	17	the	the	DET
ejif-2758	289	18	burden	burden	NOUN
ejif-2758	289	19	of	of	ADP
ejif-2758	289	20	mfis	mfis	ADJ
ejif-2758	289	21	operations	operation	NOUN
ejif-2758	289	22	.	.	PUNCT
ejif-2758	290	1	bsm	bsm	PROPN
ejif-2758	290	2	micro	micro	PROPN
ejif-2758	290	3	banking	banking	PROPN
ejif-2758	290	4	has	have	VERB
ejif-2758	290	5	basic	basic	ADJ
ejif-2758	290	6	mis	mis	NOUN
ejif-2758	290	7	that	that	PRON
ejif-2758	290	8	allows	allow	VERB
ejif-2758	290	9	them	they	PRON
ejif-2758	290	10	to	to	PART
ejif-2758	290	11	manage	manage	VERB
ejif-2758	290	12	the	the	DET
ejif-2758	290	13	information	information	NOUN
ejif-2758	290	14	of	of	ADP
ejif-2758	290	15	clients	client	NOUN
ejif-2758	290	16	and	and	CCONJ
ejif-2758	290	17	monitor	monitor	VERB
ejif-2758	290	18	the	the	DET
ejif-2758	290	19	indicators	indicator	NOUN
ejif-2758	290	20	each	each	DET
ejif-2758	290	21	certain	certain	ADJ
ejif-2758	290	22	period	period	NOUN
ejif-2758	290	23	references	reference	NOUN
ejif-2758	290	24	[	[	X
ejif-2758	290	25	1	1	NUM
ejif-2758	290	26	]	]	PUNCT
ejif-2758	290	27	ahmed	ahmed	PROPN
ejif-2758	290	28	,	,	PUNCT
ejif-2758	290	29	h.	h.	PROPN
ejif-2758	290	30	(	(	PUNCT
ejif-2758	290	31	2002	2002	NUM
ejif-2758	290	32	)	)	PUNCT
ejif-2758	290	33	.	.	PUNCT
ejif-2758	291	1	financing	financing	NOUN
ejif-2758	291	2	microenterprises	microenterprise	NOUN
ejif-2758	291	3	:	:	PUNCT
ejif-2758	291	4	an	an	DET
ejif-2758	291	5	analytical	analytical	ADJ
ejif-2758	291	6	study	study	NOUN
ejif-2758	291	7	of	of	ADP
ejif-2758	291	8	islamic	islamic	ADJ
ejif-2758	291	9	microfinance	microfinance	NOUN
ejif-2758	291	10	institutions	institution	NOUN
ejif-2758	291	11	.	.	PUNCT
ejif-2758	292	1	islamic	islamic	ADJ
ejif-2758	292	2	economic	economic	ADJ
ejif-2758	292	3	studies	study	NOUN
ejif-2758	292	4	,	,	PUNCT
ejif-2758	292	5	9(2	9(2	NUM
ejif-2758	292	6	)	)	PUNCT
ejif-2758	292	7	,	,	PUNCT
ejif-2758	292	8	2764	2764	NUM
ejif-2758	292	9	.	.	PUNCT
ejif-2758	293	1	[	[	X
ejif-2758	293	2	2	2	NUM
ejif-2758	293	3	]	]	PUNCT
ejif-2758	293	4	akhtar	akhtar	NOUN
ejif-2758	293	5	,	,	PUNCT
ejif-2758	293	6	m.	m.	PROPN
ejif-2758	293	7	r.	r.	PROPN
ejif-2758	293	8	(	(	PUNCT
ejif-2758	293	9	1998	1998	NUM
ejif-2758	293	10	)	)	PUNCT
ejif-2758	293	11	.	.	PUNCT
ejif-2758	294	1	‘	'	PUNCT
ejif-2758	294	2	islamic	islamic	ADJ
ejif-2758	294	3	microfinance	microfinance	NOUN
ejif-2758	294	4	:	:	PUNCT
ejif-2758	294	5	credit	credit	NOUN
ejif-2758	294	6	where	where	SCONJ
ejif-2758	294	7	credit	credit	NOUN
ejif-2758	294	8	is	be	AUX
ejif-2758	294	9	due	due	ADJ
ejif-2758	294	10	.	.	PUNCT
ejif-2758	295	1	islamic	islamic	ADJ
ejif-2758	295	2	banker	banker	PROPN
ejif-2758	295	3	,	,	PUNCT
ejif-2758	295	4	october	october	PROPN
ejif-2758	295	5	,	,	PUNCT
ejif-2758	295	6	8	8	NUM
ejif-2758	295	7	-	-	SYM
ejif-2758	295	8	9	9	NUM
ejif-2758	295	9	.	.	PUNCT
ejif-2758	296	1	[	[	X
ejif-2758	296	2	3	3	NUM
ejif-2758	296	3	]	]	X
ejif-2758	296	4	al	al	PROPN
ejif-2758	296	5	-	-	PUNCT
ejif-2758	296	6	harran	harran	NOUN
ejif-2758	296	7	,	,	PUNCT
ejif-2758	296	8	s.	s.	PROPN
ejif-2758	296	9	(	(	PUNCT
ejif-2758	296	10	1999	1999	NUM
ejif-2758	296	11	)	)	PUNCT
ejif-2758	296	12	.	.	PUNCT
ejif-2758	297	1	‘	'	PUNCT
ejif-2758	297	2	islamic	islamic	ADJ
ejif-2758	297	3	partnership	partnership	NOUN
ejif-2758	297	4	financing	financing	NOUN
ejif-2758	297	5	.	.	PUNCT
ejif-2758	298	1	arab	arab	PROPN
ejif-2758	298	2	law	law	PROPN
ejif-2758	298	3	quarterly	quarterly	PROPN
ejif-2758	298	4	,	,	PUNCT
ejif-2758	298	5	14(3	14(3	NUM
ejif-2758	298	6	)	)	PUNCT
ejif-2758	298	7	,	,	PUNCT
ejif-2758	298	8	193	193	NUM
ejif-2758	298	9	-	-	SYM
ejif-2758	298	10	202	202	NUM
ejif-2758	298	11	.	.	PUNCT
ejif-2758	299	1	[	[	X
ejif-2758	299	2	4	4	X
ejif-2758	299	3	]	]	X
ejif-2758	299	4	annual	annual	ADJ
ejif-2758	299	5	report	report	NOUN
ejif-2758	299	6	of	of	ADP
ejif-2758	299	7	bsm	bsm	PROPN
ejif-2758	299	8	,	,	PUNCT
ejif-2758	299	9	2015	2015	NUM
ejif-2758	299	10	avialble	avialble	ADJ
ejif-2758	299	11	online	online	ADV
ejif-2758	299	12	at	at	ADP
ejif-2758	299	13	https://www.syariahmandiri.co.id/tentang-kami/company-report/annualreport	https://www.syariahmandiri.co.id/tentang-kami/company-report/annualreport	NOUN
ejif-2758	299	14	.	.	PUNCT
ejif-2758	300	1	[	[	X
ejif-2758	300	2	5	5	NUM
ejif-2758	300	3	]	]	PUNCT
ejif-2758	300	4	arafah	arafah	NOUN
ejif-2758	300	5	,	,	PUNCT
ejif-2758	300	6	w.	w.	PROPN
ejif-2758	300	7	,	,	PUNCT
ejif-2758	300	8	&	&	CCONJ
ejif-2758	300	9	nugroho	nugroho	PROPN
ejif-2758	300	10	,	,	PUNCT
ejif-2758	300	11	l.	l.	PROPN
ejif-2758	300	12	(	(	PUNCT
ejif-2758	300	13	2016	2016	NUM
ejif-2758	300	14	)	)	PUNCT
ejif-2758	300	15	.	.	PUNCT
ejif-2758	301	1	maqhashid	maqhashid	PROPN
ejif-2758	301	2	sharia	sharia	PROPN
ejif-2758	301	3	in	in	ADP
ejif-2758	301	4	clean	clean	ADJ
ejif-2758	301	5	water	water	NOUN
ejif-2758	301	6	financing	financing	NOUN
ejif-2758	301	7	business	business	NOUN
ejif-2758	301	8	model	model	NOUN
ejif-2758	301	9	at	at	ADP
ejif-2758	301	10	islamic	islamic	PROPN
ejif-2758	301	11	bank	bank	PROPN
ejif-2758	301	12	.	.	PUNCT
ejif-2758	302	1	international	international	ADJ
ejif-2758	302	2	journal	journal	PROPN
ejif-2758	302	3	of	of	ADP
ejif-2758	302	4	business	business	NOUN
ejif-2758	302	5	and	and	CCONJ
ejif-2758	302	6	management	management	NOUN
ejif-2758	302	7	invention	invention	NOUN
ejif-2758	302	8	,	,	PUNCT
ejif-2758	302	9	5(2	5(2	NUM
ejif-2758	302	10	)	)	PUNCT
ejif-2758	302	11	,	,	PUNCT
ejif-2758	302	12	22	22	NUM
ejif-2758	302	13	-	-	SYM
ejif-2758	302	14	32	32	NUM
ejif-2758	302	15	.	.	PUNCT
ejif-2758	303	1	[	[	X
ejif-2758	303	2	6	6	NUM
ejif-2758	303	3	]	]	X
ejif-2758	303	4	assefa	assefa	PROPN
ejif-2758	303	5	,	,	PUNCT
ejif-2758	303	6	e.	e.	PROPN
ejif-2758	303	7	,	,	PUNCT
ejif-2758	303	8	hermes	hermes	PROPN
ejif-2758	303	9	,	,	PUNCT
ejif-2758	303	10	n.	n.	NOUN
ejif-2758	303	11	,	,	PUNCT
ejif-2758	303	12	&	&	CCONJ
ejif-2758	303	13	meesters	meesters	PROPN
ejif-2758	303	14	,	,	PUNCT
ejif-2758	303	15	a.	a.	NOUN
ejif-2758	303	16	(	(	PUNCT
ejif-2758	303	17	2013	2013	NUM
ejif-2758	303	18	)	)	PUNCT
ejif-2758	303	19	.	.	PUNCT
ejif-2758	304	1	competition	competition	NOUN
ejif-2758	304	2	and	and	CCONJ
ejif-2758	304	3	the	the	DET
ejif-2758	304	4	performance	performance	NOUN
ejif-2758	304	5	of	of	ADP
ejif-2758	304	6	microfinance	microfinance	NOUN
ejif-2758	304	7	institutions	institution	NOUN
ejif-2758	304	8	.	.	PUNCT
ejif-2758	305	1	applied	apply	VERB
ejif-2758	305	2	financial	financial	ADJ
ejif-2758	305	3	economics	economic	NOUN
ejif-2758	305	4	,	,	PUNCT
ejif-2758	305	5	23(9	23(9	NUM
ejif-2758	305	6	)	)	PUNCT
ejif-2758	305	7	,	,	PUNCT
ejif-2758	305	8	767	767	NUM
ejif-2758	305	9	-	-	SYM
ejif-2758	305	10	782	782	NUM
ejif-2758	305	11	.	.	PUNCT
ejif-2758	306	1	[	[	X
ejif-2758	306	2	7	7	NUM
ejif-2758	306	3	]	]	SYM
ejif-2758	306	4	armendáriz	armendáriz	NOUN
ejif-2758	306	5	,	,	PUNCT
ejif-2758	306	6	b.	b.	PROPN
ejif-2758	306	7	,	,	PUNCT
ejif-2758	306	8	&	&	CCONJ
ejif-2758	306	9	morduch	morduch	PROPN
ejif-2758	306	10	,	,	PUNCT
ejif-2758	306	11	j.	j.	PROPN
ejif-2758	306	12	(	(	PUNCT
ejif-2758	306	13	2010	2010	NUM
ejif-2758	306	14	)	)	PUNCT
ejif-2758	306	15	.	.	PUNCT
ejif-2758	307	1	the	the	DET
ejif-2758	307	2	economics	economic	NOUN
ejif-2758	307	3	of	of	ADP
ejif-2758	307	4	microfinance	microfinance	NOUN
ejif-2758	307	5	.	.	PUNCT
ejif-2758	308	1	mit	mit	PROPN
ejif-2758	308	2	press	press	NOUN
ejif-2758	308	3	.	.	PUNCT
ejif-2758	309	1	[	[	X
ejif-2758	309	2	8	8	NUM
ejif-2758	309	3	]	]	PUNCT
ejif-2758	309	4	aysan	aysan	PROPN
ejif-2758	309	5	,	,	PUNCT
ejif-2758	309	6	a.	a.	PROPN
ejif-2758	309	7	f.	f.	PROPN
ejif-2758	309	8	,	,	PUNCT
ejif-2758	309	9	disli	disli	PROPN
ejif-2758	309	10	,	,	PUNCT
ejif-2758	309	11	m.	m.	NOUN
ejif-2758	309	12	,	,	PUNCT
ejif-2758	309	13	ng	ng	PROPN
ejif-2758	309	14	,	,	PUNCT
ejif-2758	309	15	a.	a.	PROPN
ejif-2758	309	16	,	,	PUNCT
ejif-2758	309	17	&	&	CCONJ
ejif-2758	309	18	ozturk	ozturk	PROPN
ejif-2758	309	19	,	,	PUNCT
ejif-2758	309	20	h.	h.	PROPN
ejif-2758	309	21	(	(	PUNCT
ejif-2758	309	22	2016	2016	NUM
ejif-2758	309	23	)	)	PUNCT
ejif-2758	309	24	.	.	PUNCT
ejif-2758	310	1	is	be	AUX
ejif-2758	310	2	small	small	ADJ
ejif-2758	310	3	the	the	DET
ejif-2758	310	4	new	new	ADJ
ejif-2758	310	5	big	big	ADJ
ejif-2758	310	6	?	?	PUNCT
ejif-2758	311	1	islamic	islamic	ADJ
ejif-2758	311	2	banking	banking	NOUN
ejif-2758	311	3	for	for	ADP
ejif-2758	311	4	smes	sme	NOUN
ejif-2758	311	5	in	in	ADP
ejif-2758	311	6	turkey	turkey	NOUN
ejif-2758	311	7	.	.	PUNCT
ejif-2758	312	1	economic	economic	ADJ
ejif-2758	312	2	modelling	modelling	NOUN
ejif-2758	312	3	,	,	PUNCT
ejif-2758	312	4	54	54	NUM
ejif-2758	312	5	,	,	PUNCT
ejif-2758	312	6	187	187	NUM
ejif-2758	312	7	-	-	SYM
ejif-2758	312	8	194	194	NUM
ejif-2758	312	9	.	.	PUNCT
ejif-2758	313	1	[	[	X
ejif-2758	313	2	9	9	NUM
ejif-2758	313	3	]	]	SYM
ejif-2758	313	4	doktoralina	doktoralina	NOUN
ejif-2758	313	5	,	,	PUNCT
ejif-2758	313	6	c.	c.	PROPN
ejif-2758	313	7	m.	m.	PROPN
ejif-2758	313	8	,	,	PUNCT
ejif-2758	313	9	&	&	CCONJ
ejif-2758	313	10	bahari	bahari	PROPN
ejif-2758	313	11	,	,	PUNCT
ejif-2758	313	12	z.	z.	PROPN
ejif-2758	313	13	(	(	PUNCT
ejif-2758	313	14	2017	2017	NUM
ejif-2758	313	15	)	)	PUNCT
ejif-2758	313	16	.	.	PUNCT
ejif-2758	314	1	the	the	DET
ejif-2758	314	2	relationship	relationship	NOUN
ejif-2758	314	3	between	between	ADP
ejif-2758	314	4	income	income	NOUN
ejif-2758	314	5	household	household	NOUN
ejif-2758	314	6	and	and	CCONJ
ejif-2758	314	7	intention	intention	NOUN
ejif-2758	314	8	to	to	PART
ejif-2758	314	9	pay	pay	VERB
ejif-2758	314	10	zakat	zakat	NOUN
ejif-2758	314	11	on	on	ADP
ejif-2758	314	12	income	income	NOUN
ejif-2758	314	13	among	among	ADP
ejif-2758	314	14	indonesian	indonesian	ADJ
ejif-2758	314	15	academicians	academician	NOUN
ejif-2758	314	16	.	.	PUNCT
ejif-2758	315	1	mediterranean	mediterranean	PROPN
ejif-2758	315	2	journal	journal	PROPN
ejif-2758	315	3	of	of	ADP
ejif-2758	315	4	social	social	ADJ
ejif-2758	315	5	sciences	science	NOUN
ejif-2758	315	6	,	,	PUNCT
ejif-2758	315	7	8(4	8(4	NUM
ejif-2758	315	8	)	)	PUNCT
ejif-2758	315	9	,	,	PUNCT
ejif-2758	315	10	27	27	NUM
ejif-2758	315	11	-	-	SYM
ejif-2758	315	12	39	39	NUM
ejif-2758	315	13	.	.	PUNCT
ejif-2758	316	1	[	[	X
ejif-2758	316	2	10	10	NUM
ejif-2758	316	3	]	]	X
ejif-2758	316	4	chakrabarty	chakrabarty	NOUN
ejif-2758	316	5	,	,	PUNCT
ejif-2758	316	6	s.	s.	PROPN
ejif-2758	316	7	,	,	PUNCT
ejif-2758	316	8	&	&	CCONJ
ejif-2758	316	9	bass	bass	PROPN
ejif-2758	316	10	,	,	PUNCT
ejif-2758	316	11	a.	a.	PROPN
ejif-2758	316	12	e.	e.	PROPN
ejif-2758	316	13	(	(	PUNCT
ejif-2758	316	14	2015	2015	NUM
ejif-2758	316	15	)	)	PUNCT
ejif-2758	316	16	.	.	PUNCT
ejif-2758	317	1	comparing	compare	VERB
ejif-2758	317	2	virtue	virtue	NOUN
ejif-2758	317	3	,	,	PUNCT
ejif-2758	317	4	consequentialist	consequentialist	NOUN
ejif-2758	317	5	,	,	PUNCT
ejif-2758	317	6	and	and	CCONJ
ejif-2758	317	7	deontological	deontological	ADJ
ejif-2758	317	8	ethics	ethic	NOUN
ejif-2758	317	9	-	-	PUNCT
ejif-2758	317	10	based	base	VERB
ejif-2758	317	11	corporate	corporate	ADJ
ejif-2758	317	12	social	social	ADJ
ejif-2758	317	13	responsibility	responsibility	NOUN
ejif-2758	317	14	:	:	PUNCT
ejif-2758	317	15	mitigating	mitigate	VERB
ejif-2758	317	16	microfinance	microfinance	NOUN
ejif-2758	317	17	risk	risk	NOUN
ejif-2758	317	18	in	in	ADP
ejif-2758	317	19	institutional	institutional	ADJ
ejif-2758	317	20	voids	void	NOUN
ejif-2758	317	21	.	.	PUNCT
ejif-2758	318	1	journal	journal	NOUN
ejif-2758	318	2	of	of	ADP
ejif-2758	318	3	business	business	NOUN
ejif-2758	318	4	ethics	ethic	NOUN
ejif-2758	318	5	,	,	PUNCT
ejif-2758	318	6	126(3	126(3	NUM
ejif-2758	318	7	)	)	PUNCT
ejif-2758	318	8	,	,	PUNCT
ejif-2758	318	9	487	487	NUM
ejif-2758	318	10	-	-	SYM
ejif-2758	318	11	512	512	NUM
ejif-2758	318	12	.	.	PUNCT
ejif-2758	319	1	[	[	X
ejif-2758	319	2	11	11	NUM
ejif-2758	319	3	]	]	SYM
ejif-2758	319	4	chotib	chotib	X
ejif-2758	319	5	,	,	PUNCT
ejif-2758	319	6	a.	a.	NOUN
ejif-2758	319	7	,	,	PUNCT
ejif-2758	319	8	&	&	CCONJ
ejif-2758	319	9	utami	utami	PROPN
ejif-2758	319	10	,	,	PUNCT
ejif-2758	319	11	w.	w.	PROPN
ejif-2758	319	12	(	(	PUNCT
ejif-2758	319	13	2014	2014	NUM
ejif-2758	319	14	)	)	PUNCT
ejif-2758	319	15	.	.	PUNCT
ejif-2758	320	1	studi	studi	PROPN
ejif-2758	320	2	kinerja	kinerja	PROPN
ejif-2758	320	3	pt	pt	PROPN
ejif-2758	320	4	bni	bni	PROPN
ejif-2758	320	5	syariah	syariah	PROPN
ejif-2758	320	6	sesudah	sesudah	PROPN
ejif-2758	320	7	pemisahan	pemisahan	PROPN
ejif-2758	320	8	(	(	PUNCT
ejif-2758	320	9	spin	spin	VERB
ejif-2758	320	10	off	off	ADP
ejif-2758	320	11	)	)	PUNCT
ejif-2758	320	12	dari	dari	PROPN
ejif-2758	320	13	pt	pt	PROPN
ejif-2758	320	14	bank	bank	PROPN
ejif-2758	320	15	bni	bni	PROPN
ejif-2758	320	16	(	(	PUNCT
ejif-2758	320	17	persero	persero	PROPN
ejif-2758	320	18	)	)	PUNCT
ejif-2758	320	19	tbk	tbk	PROPN
ejif-2758	320	20	.	.	PUNCT
ejif-2758	321	1	akuntabilitas	akuntabilita	NOUN
ejif-2758	321	2	,	,	PUNCT
ejif-2758	321	3	7(2	7(2	NUM
ejif-2758	321	4	)	)	PUNCT
ejif-2758	321	5	,	,	PUNCT
ejif-2758	321	6	94	94	NUM
ejif-2758	321	7	-	-	SYM
ejif-2758	321	8	108	108	NUM
ejif-2758	321	9	.	.	PUNCT
ejif-2758	322	1	[	[	X
ejif-2758	322	2	12	12	NUM
ejif-2758	322	3	]	]	X
ejif-2758	322	4	churchill	churchill	PROPN
ejif-2758	322	5	,	,	PUNCT
ejif-2758	322	6	c.	c.	PROPN
ejif-2758	322	7	,	,	PUNCT
ejif-2758	322	8	&	&	CCONJ
ejif-2758	322	9	coster	coster	PROPN
ejif-2758	322	10	,	,	PUNCT
ejif-2758	322	11	d.	d.	PROPN
ejif-2758	322	12	(	(	PUNCT
ejif-2758	322	13	2001	2001	NUM
ejif-2758	322	14	)	)	PUNCT
ejif-2758	322	15	.	.	PUNCT
ejif-2758	323	1	microfinance	microfinance	NOUN
ejif-2758	323	2	risk	risk	NOUN
ejif-2758	323	3	management	management	NOUN
ejif-2758	323	4	handbook	handbook	NOUN
ejif-2758	323	5	.	.	PUNCT
ejif-2758	324	1	care	care	NOUN
ejif-2758	324	2	.	.	PUNCT
ejif-2758	325	1	ejif	ejif	PROPN
ejif-2758	325	2	–	–	PUNCT
ejif-2758	325	3	european	european	PROPN
ejif-2758	325	4	journal	journal	PROPN
ejif-2758	325	5	of	of	ADP
ejif-2758	325	6	islamic	islamic	PROPN
ejif-2758	325	7	finance	finance	PROPN
ejif-2758	325	8	no11	no11	PROPN
ejif-2758	325	9	,	,	PUNCT
ejif-2758	325	10	december	december	PROPN
ejif-2758	325	11	(	(	PUNCT
ejif-2758	325	12	2018	2018	NUM
ejif-2758	325	13	)	)	PUNCT
ejif-2758	326	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2758	326	2	issn	issn	VERB
ejif-2758	326	3	2421	2421	NUM
ejif-2758	326	4	-	-	SYM
ejif-2758	326	5	2172	2172	NUM
ejif-2758	326	6	10	10	NUM
ejif-2758	326	7	[	[	SYM
ejif-2758	326	8	13	13	NUM
ejif-2758	326	9	]	]	PUNCT
ejif-2758	326	10	collins	collins	PROPN
ejif-2758	326	11	,	,	PUNCT
ejif-2758	326	12	d.	d.	PROPN
ejif-2758	326	13	,	,	PUNCT
ejif-2758	326	14	morduch	morduch	PROPN
ejif-2758	326	15	,	,	PUNCT
ejif-2758	326	16	j.	j.	PROPN
ejif-2758	326	17	,	,	PUNCT
ejif-2758	326	18	rutherford	rutherford	PROPN
ejif-2758	326	19	,	,	PUNCT
ejif-2758	326	20	s.	s.	PROPN
ejif-2758	326	21	,	,	PUNCT
ejif-2758	326	22	&	&	CCONJ
ejif-2758	326	23	ruthven	ruthven	PROPN
ejif-2758	326	24	,	,	PUNCT
ejif-2758	326	25	o.	o.	PROPN
ejif-2758	326	26	(	(	PUNCT
ejif-2758	326	27	2009	2009	NUM
ejif-2758	326	28	)	)	PUNCT
ejif-2758	326	29	.	.	PUNCT
ejif-2758	327	1	portfolios	portfolio	NOUN
ejif-2758	327	2	of	of	ADP
ejif-2758	327	3	the	the	DET
ejif-2758	327	4	poor	poor	ADJ
ejif-2758	327	5	:	:	PUNCT
ejif-2758	327	6	how	how	SCONJ
ejif-2758	327	7	the	the	DET
ejif-2758	327	8	worlds	world	NOUN
ejif-2758	327	9	poor	poor	ADJ
ejif-2758	327	10	live	live	VERB
ejif-2758	327	11	on	on	ADP
ejif-2758	327	12	$	$	SYM
ejif-2758	327	13	2	2	NUM
ejif-2758	327	14	a	a	DET
ejif-2758	327	15	day	day	NOUN
ejif-2758	327	16	.	.	PUNCT
ejif-2758	328	1	princeton	princeton	PROPN
ejif-2758	328	2	university	university	PROPN
ejif-2758	328	3	press	press	NOUN
ejif-2758	328	4	.	.	PUNCT
ejif-2758	329	1	[	[	X
ejif-2758	329	2	14	14	NUM
ejif-2758	329	3	]	]	SYM
ejif-2758	329	4	dhumale	dhumale	PROPN
ejif-2758	329	5	,	,	PUNCT
ejif-2758	329	6	r.	r.	PROPN
ejif-2758	329	7	,	,	PUNCT
ejif-2758	329	8	&	&	CCONJ
ejif-2758	329	9	sapcanin	sapcanin	PROPN
ejif-2758	329	10	,	,	PUNCT
ejif-2758	329	11	a.	a.	NOUN
ejif-2758	329	12	(	(	PUNCT
ejif-2758	329	13	1998	1998	NUM
ejif-2758	329	14	)	)	PUNCT
ejif-2758	329	15	.	.	PUNCT
ejif-2758	330	1	an	an	DET
ejif-2758	330	2	application	application	NOUN
ejif-2758	330	3	of	of	ADP
ejif-2758	330	4	islamic	islamic	ADJ
ejif-2758	330	5	banking	banking	NOUN
ejif-2758	330	6	principles	principle	NOUN
ejif-2758	330	7	to	to	ADP
ejif-2758	330	8	microfinance	microfinance	NOUN
ejif-2758	330	9	.	.	PUNCT
ejif-2758	331	1	world	world	PROPN
ejif-2758	331	2	bank	bank	PROPN
ejif-2758	331	3	.	.	PUNCT
ejif-2758	332	1	[	[	X
ejif-2758	332	2	15	15	NUM
ejif-2758	332	3	]	]	X
ejif-2758	332	4	el	el	PROPN
ejif-2758	332	5	-	-	PROPN
ejif-2758	332	6	gamal	gamal	PROPN
ejif-2758	332	7	,	,	PUNCT
ejif-2758	332	8	mahmoud	mahmoud	PROPN
ejif-2758	332	9	a.	a.	PROPN
ejif-2758	332	10	islamic	islamic	PROPN
ejif-2758	332	11	finance	finance	PROPN
ejif-2758	332	12	:	:	PUNCT
ejif-2758	332	13	law	law	NOUN
ejif-2758	332	14	,	,	PUNCT
ejif-2758	332	15	economics	economic	NOUN
ejif-2758	332	16	,	,	PUNCT
ejif-2758	332	17	and	and	CCONJ
ejif-2758	332	18	practice	practice	NOUN
ejif-2758	332	19	.	.	PUNCT
ejif-2758	333	1	cambridge	cambridge	PROPN
ejif-2758	333	2	university	university	PROPN
ejif-2758	333	3	press	press	NOUN
ejif-2758	333	4	,	,	PUNCT
ejif-2758	333	5	2006	2006	NUM
ejif-2758	333	6	.	.	PUNCT
ejif-2758	334	1	[	[	X
ejif-2758	334	2	16	16	NUM
ejif-2758	334	3	]	]	X
ejif-2758	334	4	gine	gine	NOUN
ejif-2758	334	5	,	,	PUNCT
ejif-2758	334	6	x.	x.	NOUN
ejif-2758	334	7	,	,	PUNCT
ejif-2758	334	8	&	&	CCONJ
ejif-2758	334	9	karlan	karlan	PROPN
ejif-2758	334	10	,	,	PUNCT
ejif-2758	334	11	d.	d.	PROPN
ejif-2758	334	12	(	(	PUNCT
ejif-2758	334	13	2008	2008	NUM
ejif-2758	334	14	)	)	PUNCT
ejif-2758	334	15	.	.	PUNCT
ejif-2758	335	1	peer	peer	NOUN
ejif-2758	335	2	monitoring	monitoring	NOUN
ejif-2758	335	3	and	and	CCONJ
ejif-2758	335	4	enforcement	enforcement	NOUN
ejif-2758	335	5	:	:	PUNCT
ejif-2758	335	6	longterm	longterm	VERB
ejif-2758	335	7	evidence	evidence	NOUN
ejif-2758	335	8	from	from	ADP
ejif-2758	335	9	microcredit	microcredit	NOUN
ejif-2758	335	10	lending	lending	NOUN
ejif-2758	335	11	groups	group	NOUN
ejif-2758	335	12	with	with	ADP
ejif-2758	335	13	and	and	CCONJ
ejif-2758	335	14	without	without	ADP
ejif-2758	335	15	group	group	NOUN
ejif-2758	335	16	liability.january	liability.january	PROPN
ejif-2758	335	17	,	,	PUNCT
ejif-2758	335	18	yale	yale	PROPN
ejif-2758	335	19	university	university	PROPN
ejif-2758	335	20	department	department	PROPN
ejif-2758	335	21	of	of	ADP
ejif-2758	335	22	economics	economic	NOUN
ejif-2758	335	23	,	,	PUNCT
ejif-2758	335	24	working	working	NOUN
ejif-2758	335	25	paper	paper	NOUN
ejif-2758	335	26	;	;	PUNCT
ejif-2758	335	27	[	[	X
ejif-2758	335	28	17	17	NUM
ejif-2758	335	29	]	]	X
ejif-2758	335	30	hull	hull	NOUN
ejif-2758	335	31	,	,	PUNCT
ejif-2758	335	32	j.	j.	PROPN
ejif-2758	335	33	(	(	PUNCT
ejif-2758	335	34	2012	2012	NUM
ejif-2758	335	35	)	)	PUNCT
ejif-2758	335	36	.	.	PUNCT
ejif-2758	336	1	risk	risk	NOUN
ejif-2758	336	2	management	management	NOUN
ejif-2758	336	3	and	and	CCONJ
ejif-2758	336	4	financial	financial	ADJ
ejif-2758	336	5	institutions,+	institutions,+	PROPN
ejif-2758	336	6	web	web	NOUN
ejif-2758	336	7	site	site	NOUN
ejif-2758	336	8	(	(	PUNCT
ejif-2758	336	9	vol	vol	NOUN
ejif-2758	336	10	.	.	NOUN
ejif-2758	336	11	733	733	NUM
ejif-2758	336	12	)	)	PUNCT
ejif-2758	336	13	.	.	PUNCT
ejif-2758	337	1	john	john	PROPN
ejif-2758	337	2	wiley	wiley	PROPN
ejif-2758	337	3	&	&	CCONJ
ejif-2758	337	4	sons	son	NOUN
ejif-2758	337	5	.	.	PUNCT
ejif-2758	338	1	[	[	X
ejif-2758	338	2	18	18	NUM
ejif-2758	338	3	]	]	X
ejif-2758	338	4	hulme	hulme	PROPN
ejif-2758	338	5	,	,	PUNCT
ejif-2758	338	6	d.	d.	PROPN
ejif-2758	338	7	(	(	PUNCT
ejif-2758	338	8	2000	2000	NUM
ejif-2758	338	9	)	)	PUNCT
ejif-2758	338	10	.	.	PUNCT
ejif-2758	339	1	impact	impact	NOUN
ejif-2758	339	2	assessment	assessment	NOUN
ejif-2758	339	3	methodologies	methodology	NOUN
ejif-2758	339	4	for	for	ADP
ejif-2758	339	5	microfinance	microfinance	NOUN
ejif-2758	339	6	:	:	PUNCT
ejif-2758	340	1	theory	theory	NOUN
ejif-2758	340	2	,	,	PUNCT
ejif-2758	340	3	experience	experience	NOUN
ejif-2758	340	4	,	,	PUNCT
ejif-2758	340	5	and	and	CCONJ
ejif-2758	340	6	better	well	ADJ
ejif-2758	340	7	practice	practice	NOUN
ejif-2758	340	8	.	.	PUNCT
ejif-2758	341	1	world	world	NOUN
ejif-2758	341	2	development	development	PROPN
ejif-2758	341	3	,	,	PUNCT
ejif-2758	341	4	28(1	28(1	NOUN
ejif-2758	341	5	)	)	PUNCT
ejif-2758	341	6	,	,	PUNCT
ejif-2758	341	7	7998	7998	NUM
ejif-2758	341	8	.	.	PUNCT
ejif-2758	342	1	[	[	X
ejif-2758	342	2	19	19	NUM
ejif-2758	342	3	]	]	SYM
ejif-2758	342	4	ibtissem	ibtissem	NOUN
ejif-2758	342	5	,	,	PUNCT
ejif-2758	342	6	b.	b.	PROPN
ejif-2758	342	7	,	,	PUNCT
ejif-2758	342	8	&	&	CCONJ
ejif-2758	342	9	bouri	bouri	PROPN
ejif-2758	342	10	,	,	PUNCT
ejif-2758	342	11	a.	a.	NOUN
ejif-2758	342	12	(	(	PUNCT
ejif-2758	342	13	2013	2013	NUM
ejif-2758	342	14	)	)	PUNCT
ejif-2758	342	15	.	.	PUNCT
ejif-2758	343	1	credit	credit	NOUN
ejif-2758	343	2	risk	risk	NOUN
ejif-2758	343	3	management	management	NOUN
ejif-2758	343	4	in	in	ADP
ejif-2758	343	5	microfinance	microfinance	NOUN
ejif-2758	343	6	:	:	PUNCT
ejif-2758	343	7	the	the	DET
ejif-2758	343	8	conceptual	conceptual	ADJ
ejif-2758	343	9	framework	framework	NOUN
ejif-2758	343	10	.	.	PUNCT
ejif-2758	344	1	acrn	acrn	PROPN
ejif-2758	344	2	journal	journal	PROPN
ejif-2758	344	3	of	of	ADP
ejif-2758	344	4	finance	finance	NOUN
ejif-2758	344	5	and	and	CCONJ
ejif-2758	344	6	risk	risk	NOUN
ejif-2758	344	7	perspectives	perspective	NOUN
ejif-2758	344	8	,	,	PUNCT
ejif-2758	344	9	2(1	2(1	NUM
ejif-2758	344	10	)	)	PUNCT
ejif-2758	344	11	,	,	PUNCT
ejif-2758	344	12	9	9	NUM
ejif-2758	344	13	-	-	SYM
ejif-2758	344	14	24	24	NUM
ejif-2758	344	15	.	.	PUNCT
ejif-2758	345	1	[	[	X
ejif-2758	345	2	20	20	NUM
ejif-2758	345	3	]	]	X
ejif-2758	345	4	iqbal	iqbal	PROPN
ejif-2758	345	5	m	m	PROPN
ejif-2758	345	6	,	,	PUNCT
ejif-2758	345	7	molyneux	molyneux	PROPN
ejif-2758	345	8	p.	p.	PROPN
ejif-2758	345	9	thirty	thirty	NUM
ejif-2758	345	10	years	year	NOUN
ejif-2758	345	11	of	of	ADP
ejif-2758	345	12	islamic	islamic	ADJ
ejif-2758	345	13	banking	banking	NOUN
ejif-2758	345	14	:	:	PUNCT
ejif-2758	345	15	history	history	NOUN
ejif-2758	345	16	,	,	PUNCT
ejif-2758	345	17	performance	performance	NOUN
ejif-2758	345	18	and	and	CCONJ
ejif-2758	345	19	prospects	prospect	NOUN
ejif-2758	345	20	.	.	PUNCT
ejif-2758	346	1	springer	springer	NOUN
ejif-2758	346	2	;	;	PUNCT
ejif-2758	346	3	2016	2016	NUM
ejif-2758	346	4	jan	jan	PROPN
ejif-2758	346	5	13	13	NUM
ejif-2758	346	6	.	.	PUNCT
ejif-2758	347	1	[	[	X
ejif-2758	347	2	21	21	NUM
ejif-2758	347	3	]	]	SYM
ejif-2758	347	4	karlan	karlan	NOUN
ejif-2758	347	5	,	,	PUNCT
ejif-2758	347	6	d.	d.	PROPN
ejif-2758	347	7	,	,	PUNCT
ejif-2758	347	8	&	&	CCONJ
ejif-2758	347	9	zinman	zinman	PROPN
ejif-2758	347	10	,	,	PUNCT
ejif-2758	347	11	j.	j.	PROPN
ejif-2758	347	12	(	(	PUNCT
ejif-2758	347	13	2009	2009	NUM
ejif-2758	347	14	)	)	PUNCT
ejif-2758	347	15	.	.	PUNCT
ejif-2758	348	1	observing	observe	VERB
ejif-2758	348	2	unobservables	unobservable	NOUN
ejif-2758	348	3	:	:	PUNCT
ejif-2758	348	4	identifying	identify	VERB
ejif-2758	348	5	information	information	NOUN
ejif-2758	348	6	asymmetries	asymmetry	NOUN
ejif-2758	348	7	with	with	ADP
ejif-2758	348	8	a	a	DET
ejif-2758	348	9	consumer	consumer	NOUN
ejif-2758	348	10	credit	credit	NOUN
ejif-2758	348	11	field	field	NOUN
ejif-2758	348	12	experiment.econometrica	experiment.econometrica	PROPN
ejif-2758	348	13	,	,	PUNCT
ejif-2758	348	14	77(6	77(6	NUM
ejif-2758	348	15	)	)	PUNCT
ejif-2758	348	16	,	,	PUNCT
ejif-2758	348	17	1993	1993	NUM
ejif-2758	348	18	-	-	SYM
ejif-2758	348	19	2008	2008	NUM
ejif-2758	348	20	.	.	PUNCT
ejif-2758	349	1	[	[	X
ejif-2758	349	2	22	22	NUM
ejif-2758	349	3	]	]	X
ejif-2758	349	4	kiweu	kiweu	PROPN
ejif-2758	349	5	,	,	PUNCT
ejif-2758	349	6	j.	j.	PROPN
ejif-2758	349	7	m.	m.	PROPN
ejif-2758	349	8	(	(	PUNCT
ejif-2758	349	9	2011	2011	NUM
ejif-2758	349	10	)	)	PUNCT
ejif-2758	349	11	.	.	PUNCT
ejif-2758	350	1	relaxing	relax	VERB
ejif-2758	350	2	financing	financing	NOUN
ejif-2758	350	3	constraint	constraint	NOUN
ejif-2758	350	4	in	in	ADP
ejif-2758	350	5	the	the	DET
ejif-2758	350	6	microfinance	microfinance	NOUN
ejif-2758	350	7	industry	industry	NOUN
ejif-2758	350	8	:	:	PUNCT
ejif-2758	350	9	is	be	AUX
ejif-2758	350	10	commercialization	commercialization	NOUN
ejif-2758	350	11	the	the	DET
ejif-2758	350	12	answer	answer	NOUN
ejif-2758	350	13	?	?	PUNCT
ejif-2758	350	14	.	.	PUNCT
ejif-2758	351	1	journal	journal	PROPN
ejif-2758	351	2	of	of	ADP
ejif-2758	351	3	business	business	PROPN
ejif-2758	351	4	&	&	CCONJ
ejif-2758	351	5	economics	economics	PROPN
ejif-2758	351	6	research	research	NOUN
ejif-2758	351	7	,	,	PUNCT
ejif-2758	351	8	9(10	9(10	NUM
ejif-2758	351	9	)	)	PUNCT
ejif-2758	351	10	,	,	PUNCT
ejif-2758	351	11	87	87	NUM
ejif-2758	351	12	.	.	PUNCT
ejif-2758	352	1	[	[	X
ejif-2758	352	2	23	23	NUM
ejif-2758	352	3	]	]	X
ejif-2758	352	4	mersland	mersland	PROPN
ejif-2758	352	5	,	,	PUNCT
ejif-2758	352	6	r.	r.	PROPN
ejif-2758	352	7	,	,	PUNCT
ejif-2758	352	8	&	&	CCONJ
ejif-2758	352	9	strøm	strøm	PROPN
ejif-2758	352	10	,	,	PUNCT
ejif-2758	352	11	r.	r.	PROPN
ejif-2758	352	12	ø	ø	PROPN
ejif-2758	352	13	.	.	PUNCT
ejif-2758	353	1	(	(	PUNCT
ejif-2758	353	2	2010	2010	NUM
ejif-2758	353	3	)	)	PUNCT
ejif-2758	353	4	.	.	PUNCT
ejif-2758	354	1	microfinance	microfinance	NOUN
ejif-2758	354	2	mission	mission	NOUN
ejif-2758	354	3	drift	drift	NOUN
ejif-2758	354	4	?	?	PUNCT
ejif-2758	355	1	world	world	NOUN
ejif-2758	355	2	development	development	NOUN
ejif-2758	355	3	,	,	PUNCT
ejif-2758	355	4	38(1	38(1	NUM
ejif-2758	355	5	)	)	PUNCT
ejif-2758	355	6	,	,	PUNCT
ejif-2758	355	7	28	28	NUM
ejif-2758	355	8	-	-	SYM
ejif-2758	355	9	36	36	NUM
ejif-2758	355	10	.	.	PUNCT
ejif-2758	356	1	[	[	X
ejif-2758	356	2	24	24	NUM
ejif-2758	356	3	]	]	X
ejif-2758	356	4	mersland	mersland	PROPN
ejif-2758	356	5	,	,	PUNCT
ejif-2758	356	6	r.	r.	PROPN
ejif-2758	356	7	,	,	PUNCT
ejif-2758	356	8	&	&	CCONJ
ejif-2758	356	9	strøm	strøm	PROPN
ejif-2758	356	10	,	,	PUNCT
ejif-2758	356	11	r.	r.	PROPN
ejif-2758	356	12	ø	ø	PROPN
ejif-2758	356	13	.	.	PUNCT
ejif-2758	357	1	(	(	PUNCT
ejif-2758	357	2	2012	2012	NUM
ejif-2758	357	3	)	)	PUNCT
ejif-2758	357	4	.	.	PUNCT
ejif-2758	358	1	microfinance	microfinance	NOUN
ejif-2758	358	2	:	:	PUNCT
ejif-2758	358	3	costs	cost	NOUN
ejif-2758	358	4	,	,	PUNCT
ejif-2758	358	5	lending	lending	NOUN
ejif-2758	358	6	rates	rate	NOUN
ejif-2758	358	7	,	,	PUNCT
ejif-2758	358	8	and	and	CCONJ
ejif-2758	358	9	profitability	profitability	NOUN
ejif-2758	358	10	.	.	PUNCT
ejif-2758	359	1	in	in	ADP
ejif-2758	359	2	handbook	handbook	NOUN
ejif-2758	359	3	of	of	ADP
ejif-2758	359	4	key	key	ADJ
ejif-2758	359	5	global	global	ADJ
ejif-2758	359	6	financial	financial	ADJ
ejif-2758	359	7	markets	market	NOUN
ejif-2758	359	8	,	,	PUNCT
ejif-2758	359	9	institutions	institution	NOUN
ejif-2758	359	10	,	,	PUNCT
ejif-2758	359	11	and	and	CCONJ
ejif-2758	359	12	infrastructure	infrastructure	NOUN
ejif-2758	359	13	(	(	PUNCT
ejif-2758	359	14	pp	pp	ADJ
ejif-2758	359	15	.	.	PUNCT
ejif-2758	360	1	489	489	NUM
ejif-2758	360	2	-	-	SYM
ejif-2758	360	3	499	499	NUM
ejif-2758	360	4	)	)	PUNCT
ejif-2758	360	5	.	.	PUNCT
ejif-2758	361	1	[	[	X
ejif-2758	361	2	25	25	NUM
ejif-2758	361	3	]	]	SYM
ejif-2758	361	4	nugroho	nugroho	NOUN
ejif-2758	361	5	,	,	PUNCT
ejif-2758	361	6	l.	l.	PROPN
ejif-2758	361	7	(	(	PUNCT
ejif-2758	361	8	2014	2014	NUM
ejif-2758	361	9	)	)	PUNCT
ejif-2758	361	10	.	.	PUNCT
ejif-2758	362	1	role	role	NOUN
ejif-2758	362	2	of	of	ADP
ejif-2758	362	3	government	government	NOUN
ejif-2758	362	4	support	support	NOUN
ejif-2758	362	5	to	to	PART
ejif-2758	362	6	micro	micro	VERB
ejif-2758	362	7	financing	financing	NOUN
ejif-2758	362	8	in	in	ADP
ejif-2758	362	9	islamic	islamic	PROPN
ejif-2758	362	10	bank	bank	PROPN
ejif-2758	362	11	for	for	ADP
ejif-2758	362	12	clean	clean	ADJ
ejif-2758	362	13	water	water	NOUN
ejif-2758	362	14	connection	connection	NOUN
ejif-2758	362	15	to	to	ADP
ejif-2758	362	16	low	low	ADJ
ejif-2758	362	17	-	-	PUNCT
ejif-2758	362	18	income	income	NOUN
ejif-2758	362	19	communities	community	NOUN
ejif-2758	362	20	.	.	PUNCT
ejif-2758	363	1	research	research	NOUN
ejif-2758	363	2	journal	journal	PROPN
ejif-2758	363	3	of	of	ADP
ejif-2758	363	4	finance	finance	NOUN
ejif-2758	363	5	and	and	CCONJ
ejif-2758	363	6	accounting	accounting	NOUN
ejif-2758	363	7	,	,	PUNCT
ejif-2758	363	8	5(4	5(4	NUM
ejif-2758	363	9	)	)	PUNCT
ejif-2758	363	10	,	,	PUNCT
ejif-2758	363	11	5763	5763	NUM
ejif-2758	363	12	.	.	PUNCT
ejif-2758	364	1	[	[	X
ejif-2758	364	2	26	26	NUM
ejif-2758	364	3	]	]	PUNCT
ejif-2758	364	4	anugroho	anugroho	NOUN
ejif-2758	364	5	,	,	PUNCT
ejif-2758	364	6	l.	l.	PROPN
ejif-2758	364	7	,	,	PUNCT
ejif-2758	364	8	husnadi	husnadi	NOUN
ejif-2758	364	9	,	,	PUNCT
ejif-2758	364	10	t.	t.	PROPN
ejif-2758	364	11	c.	c.	PROPN
ejif-2758	364	12	,	,	PUNCT
ejif-2758	364	13	utami	utami	NOUN
ejif-2758	364	14	,	,	PUNCT
ejif-2758	364	15	w.	w.	PROPN
ejif-2758	364	16	,	,	PUNCT
ejif-2758	364	17	hidayah	hidayah	PROPN
ejif-2758	364	18	,	,	PUNCT
ejif-2758	364	19	n.	n.	NOUN
ejif-2758	364	20	(	(	PUNCT
ejif-2758	364	21	2017	2017	NUM
ejif-2758	364	22	)	)	PUNCT
ejif-2758	364	23	.	.	PUNCT
ejif-2758	365	1	maslahah	maslahah	NOUN
ejif-2758	365	2	and	and	CCONJ
ejif-2758	365	3	strategy	strategy	NOUN
ejif-2758	365	4	to	to	PART
ejif-2758	365	5	establish	establish	VERB
ejif-2758	365	6	a	a	DET
ejif-2758	365	7	single	single	ADJ
ejif-2758	365	8	state	state	NOUN
ejif-2758	365	9	-	-	PUNCT
ejif-2758	365	10	owned	own	VERB
ejif-2758	365	11	islamic	islamic	PROPN
ejif-2758	365	12	bank	bank	PROPN
ejif-2758	365	13	in	in	ADP
ejif-2758	365	14	indonesia	indonesia	PROPN
ejif-2758	365	15	.	.	PUNCT
ejif-2758	366	1	tazkia	tazkia	PROPN
ejif-2758	366	2	islamic	islamic	PROPN
ejif-2758	366	3	finance	finance	PROPN
ejif-2758	366	4	and	and	CCONJ
ejif-2758	366	5	business	business	NOUN
ejif-2758	366	6	review	review	NOUN
ejif-2758	366	7	,	,	PUNCT
ejif-2758	366	8	10(1	10(1	NUM
ejif-2758	366	9	)	)	PUNCT
ejif-2758	366	10	.	.	PUNCT
ejif-2758	367	1	[	[	X
ejif-2758	367	2	27	27	NUM
ejif-2758	367	3	]	]	PUNCT
ejif-2758	367	4	bnugroho	bnugroho	PROPN
ejif-2758	367	5	,	,	PUNCT
ejif-2758	367	6	l.	l.	PROPN
ejif-2758	367	7	,	,	PUNCT
ejif-2758	367	8	utami	utami	NOUN
ejif-2758	367	9	,	,	PUNCT
ejif-2758	367	10	w.	w.	PROPN
ejif-2758	367	11	,	,	PUNCT
ejif-2758	367	12	sukmadilaga	sukmadilaga	PROPN
ejif-2758	367	13	,	,	PUNCT
ejif-2758	367	14	c.	c.	PROPN
ejif-2758	367	15	,	,	PUNCT
ejif-2758	367	16	&	&	CCONJ
ejif-2758	367	17	fitrijanti	fitrijanti	PROPN
ejif-2758	367	18	,	,	PUNCT
ejif-2758	367	19	t.	t.	PROPN
ejif-2758	367	20	(	(	PUNCT
ejif-2758	367	21	2017	2017	NUM
ejif-2758	367	22	)	)	PUNCT
ejif-2758	367	23	.	.	PUNCT
ejif-2758	368	1	the	the	DET
ejif-2758	368	2	urgency	urgency	NOUN
ejif-2758	368	3	of	of	ADP
ejif-2758	368	4	allignment	allignment	PROPN
ejif-2758	368	5	islamic	islamic	PROPN
ejif-2758	368	6	bank	bank	PROPN
ejif-2758	368	7	to	to	ADP
ejif-2758	368	8	increasing	increase	VERB
ejif-2758	368	9	the	the	DET
ejif-2758	368	10	outreach	outreach	NOUN
ejif-2758	368	11	(	(	PUNCT
ejif-2758	368	12	indonesia	indonesia	PROPN
ejif-2758	368	13	evidence	evidence	NOUN
ejif-2758	368	14	)	)	PUNCT
ejif-2758	368	15	.	.	PUNCT
ejif-2758	369	1	international	international	ADJ
ejif-2758	369	2	journal	journal	PROPN
ejif-2758	369	3	of	of	ADP
ejif-2758	369	4	economics	economic	NOUN
ejif-2758	369	5	and	and	CCONJ
ejif-2758	369	6	financial	financial	ADJ
ejif-2758	369	7	issues	issue	NOUN
ejif-2758	369	8	,	,	PUNCT
ejif-2758	369	9	7(4	7(4	NUM
ejif-2758	369	10	)	)	PUNCT
ejif-2758	369	11	.	.	PUNCT
ejif-2758	370	1	[	[	X
ejif-2758	370	2	28	28	NUM
ejif-2758	370	3	]	]	SYM
ejif-2758	370	4	nugroho	nugroho	NOUN
ejif-2758	370	5	,	,	PUNCT
ejif-2758	370	6	l.	l.	PROPN
ejif-2758	370	7	,	,	PUNCT
ejif-2758	370	8	hidayah	hidayah	PROPN
ejif-2758	370	9	,	,	PUNCT
ejif-2758	370	10	n.	n.	NOUN
ejif-2758	370	11	,	,	PUNCT
ejif-2758	370	12	&	&	CCONJ
ejif-2758	370	13	badawi	badawi	PROPN
ejif-2758	370	14	,	,	PUNCT
ejif-2758	370	15	a.	a.	NOUN
ejif-2758	370	16	(	(	PUNCT
ejif-2758	370	17	2018	2018	NUM
ejif-2758	370	18	)	)	PUNCT
ejif-2758	370	19	.	.	PUNCT
ejif-2758	371	1	the	the	DET
ejif-2758	371	2	islamic	islamic	PROPN
ejif-2758	371	3	banking	banking	PROPN
ejif-2758	371	4	,	,	PUNCT
ejif-2758	371	5	asset	asset	NOUN
ejif-2758	371	6	quality:“does	quality:“doe	VERB
ejif-2758	371	7	financing	financing	NOUN
ejif-2758	371	8	segmentation	segmentation	NOUN
ejif-2758	371	9	matters”(indonesia	matters”(indonesia	PROPN
ejif-2758	371	10	evidence	evidence	NOUN
ejif-2758	371	11	)	)	PUNCT
ejif-2758	371	12	.	.	PUNCT
ejif-2758	372	1	mediterranean	mediterranean	PROPN
ejif-2758	372	2	journal	journal	PROPN
ejif-2758	372	3	of	of	ADP
ejif-2758	372	4	social	social	ADJ
ejif-2758	372	5	sciences	science	NOUN
ejif-2758	372	6	,	,	PUNCT
ejif-2758	372	7	9(5	9(5	NUM
ejif-2758	372	8	)	)	PUNCT
ejif-2758	372	9	,	,	PUNCT
ejif-2758	372	10	221	221	NUM
ejif-2758	372	11	.	.	PUNCT
ejif-2758	373	1	[	[	X
ejif-2758	373	2	29	29	NUM
ejif-2758	373	3	]	]	X
ejif-2758	373	4	prastowo	prastowo	PROPN
ejif-2758	373	5	,	,	PUNCT
ejif-2758	373	6	l.	l.	PROPN
ejif-2758	373	7	n.	n.	PROPN
ejif-2758	373	8	(	(	PUNCT
ejif-2758	373	9	2015	2015	NUM
ejif-2758	373	10	)	)	PUNCT
ejif-2758	373	11	.	.	PUNCT
ejif-2758	374	1	islamics	islamic	NOUN
ejif-2758	374	2	principle	principle	VERB
ejif-2758	374	3	versus	versus	ADP
ejif-2758	374	4	green	green	ADJ
ejif-2758	374	5	microfinance	microfinance	NOUN
ejif-2758	374	6	.	.	PUNCT
ejif-2758	375	1	european	european	PROPN
ejif-2758	375	2	journal	journal	PROPN
ejif-2758	375	3	of	of	ADP
ejif-2758	375	4	islamic	islamic	PROPN
ejif-2758	375	5	finance	finance	PROPN
ejif-2758	375	6	,	,	PUNCT
ejif-2758	375	7	(	(	PUNCT
ejif-2758	375	8	3	3	NUM
ejif-2758	375	9	)	)	PUNCT
ejif-2758	375	10	.	.	PUNCT
ejif-2758	376	1	[	[	X
ejif-2758	376	2	30	30	NUM
ejif-2758	376	3	]	]	X
ejif-2758	376	4	rahman	rahman	PROPN
ejif-2758	376	5	,	,	PUNCT
ejif-2758	376	6	r.	r.	PROPN
ejif-2758	376	7	a.	a.	PROPN
ejif-2758	376	8	,	,	PUNCT
ejif-2758	376	9	alsmady	alsmady	PROPN
ejif-2758	376	10	,	,	PUNCT
ejif-2758	376	11	a.	a.	PROPN
ejif-2758	376	12	,	,	PUNCT
ejif-2758	376	13	ibrahim	ibrahim	PROPN
ejif-2758	376	14	,	,	PUNCT
ejif-2758	376	15	z.	z.	PROPN
ejif-2758	376	16	,	,	PUNCT
ejif-2758	376	17	&	&	CCONJ
ejif-2758	376	18	muhammad	muhammad	PROPN
ejif-2758	376	19	,	,	PUNCT
ejif-2758	376	20	a.	a.	PROPN
ejif-2758	376	21	d.	d.	PROPN
ejif-2758	376	22	(	(	PUNCT
ejif-2758	376	23	2014	2014	NUM
ejif-2758	376	24	)	)	PUNCT
ejif-2758	376	25	.	.	PUNCT
ejif-2758	377	1	risk	risk	NOUN
ejif-2758	377	2	management	management	NOUN
ejif-2758	377	3	practices	practice	NOUN
ejif-2758	377	4	in	in	ADP
ejif-2758	377	5	islamic	islamic	ADJ
ejif-2758	377	6	banking	banking	NOUN
ejif-2758	377	7	institutions	institution	NOUN
ejif-2758	377	8	:	:	PUNCT
ejif-2758	377	9	a	a	DET
ejif-2758	377	10	comparative	comparative	ADJ
ejif-2758	377	11	study	study	NOUN
ejif-2758	377	12	between	between	ADP
ejif-2758	377	13	malaysia	malaysia	PROPN
ejif-2758	377	14	and	and	CCONJ
ejif-2758	377	15	jordan	jordan	PROPN
ejif-2758	377	16	.	.	PROPN
ejif-2758	378	1	journal	journal	PROPN
ejif-2758	378	2	of	of	ADP
ejif-2758	378	3	applied	apply	VERB
ejif-2758	378	4	business	business	NOUN
ejif-2758	378	5	research	research	NOUN
ejif-2758	378	6	,	,	PUNCT
ejif-2758	378	7	30(5	30(5	NUM
ejif-2758	378	8	)	)	PUNCT
ejif-2758	378	9	,	,	PUNCT
ejif-2758	378	10	1295	1295	NUM
ejif-2758	378	11	.	.	PUNCT
ejif-2758	379	1	[	[	X
ejif-2758	379	2	31	31	NUM
ejif-2758	379	3	]	]	PUNCT
ejif-2758	379	4	scardovi	scardovi	NOUN
ejif-2758	379	5	,	,	PUNCT
ejif-2758	379	6	c.	c.	NOUN
ejif-2758	379	7	(	(	PUNCT
ejif-2758	379	8	2015	2015	NUM
ejif-2758	379	9	)	)	PUNCT
ejif-2758	379	10	.	.	PUNCT
ejif-2758	380	1	holistic	holistic	ADJ
ejif-2758	380	2	active	active	ADJ
ejif-2758	380	3	management	management	NOUN
ejif-2758	380	4	of	of	ADP
ejif-2758	380	5	non	non	ADJ
ejif-2758	380	6	-	-	ADJ
ejif-2758	380	7	performing	performing	ADJ
ejif-2758	380	8	loans	loan	NOUN
ejif-2758	380	9	.	.	PUNCT
ejif-2758	381	1	springer	springer	NOUN
ejif-2758	381	2	.	.	PUNCT
ejif-2758	382	1	[	[	X
ejif-2758	382	2	32	32	NUM
ejif-2758	382	3	]	]	SYM
ejif-2758	382	4	schurmann	schurmann	NOUN
ejif-2758	382	5	,	,	PUNCT
ejif-2758	382	6	a.	a.	NOUN
ejif-2758	382	7	t.	t.	PROPN
ejif-2758	382	8	,	,	PUNCT
ejif-2758	382	9	&	&	CCONJ
ejif-2758	382	10	johnston	johnston	PROPN
ejif-2758	382	11	,	,	PUNCT
ejif-2758	382	12	h.	h.	PROPN
ejif-2758	382	13	b.	b.	PROPN
ejif-2758	382	14	(	(	PUNCT
ejif-2758	382	15	2009	2009	NUM
ejif-2758	382	16	)	)	PUNCT
ejif-2758	382	17	.	.	PUNCT
ejif-2758	383	1	the	the	DET
ejif-2758	383	2	group	group	NOUN
ejif-2758	383	3	-	-	PUNCT
ejif-2758	383	4	lending	lending	NOUN
ejif-2758	383	5	model	model	NOUN
ejif-2758	383	6	and	and	CCONJ
ejif-2758	383	7	social	social	ADJ
ejif-2758	383	8	closure	closure	NOUN
ejif-2758	383	9	:	:	PUNCT
ejif-2758	383	10	microcredit	microcredit	NOUN
ejif-2758	383	11	,	,	PUNCT
ejif-2758	383	12	exclusion	exclusion	NOUN
ejif-2758	383	13	,	,	PUNCT
ejif-2758	383	14	and	and	CCONJ
ejif-2758	383	15	health	health	NOUN
ejif-2758	383	16	in	in	ADP
ejif-2758	383	17	bangladesh	bangladesh	PROPN
ejif-2758	383	18	.	.	PUNCT
ejif-2758	384	1	journal	journal	PROPN
ejif-2758	384	2	of	of	ADP
ejif-2758	384	3	health	health	NOUN
ejif-2758	384	4	,	,	PUNCT
ejif-2758	384	5	population	population	NOUN
ejif-2758	384	6	,	,	PUNCT
ejif-2758	384	7	and	and	CCONJ
ejif-2758	384	8	nutrition	nutrition	NOUN
ejif-2758	384	9	,	,	PUNCT
ejif-2758	384	10	27(4	27(4	PROPN
ejif-2758	384	11	)	)	PUNCT
ejif-2758	384	12	,	,	PUNCT
ejif-2758	384	13	518	518	NUM
ejif-2758	384	14	.	.	PUNCT
ejif-2758	385	1	[	[	X
ejif-2758	385	2	33	33	NUM
ejif-2758	385	3	]	]	X
ejif-2758	385	4	sheth	sheth	PROPN
ejif-2758	385	5	,	,	PUNCT
ejif-2758	385	6	j.	j.	PROPN
ejif-2758	385	7	n.	n.	PROPN
ejif-2758	385	8	,	,	PUNCT
ejif-2758	385	9	sethia	sethia	PROPN
ejif-2758	385	10	,	,	PUNCT
ejif-2758	385	11	n.	n.	PROPN
ejif-2758	385	12	k.	k.	PROPN
ejif-2758	385	13	,	,	PUNCT
ejif-2758	385	14	&	&	CCONJ
ejif-2758	385	15	srinivas	srinivas	PROPN
ejif-2758	385	16	,	,	PUNCT
ejif-2758	385	17	s.	s.	PROPN
ejif-2758	385	18	(	(	PUNCT
ejif-2758	385	19	2011	2011	NUM
ejif-2758	385	20	)	)	PUNCT
ejif-2758	385	21	.	.	PUNCT
ejif-2758	386	1	mindful	mindful	ADJ
ejif-2758	386	2	consumption	consumption	NOUN
ejif-2758	386	3	:	:	PUNCT
ejif-2758	386	4	a	a	DET
ejif-2758	386	5	customer	customer	NOUN
ejif-2758	386	6	-	-	PUNCT
ejif-2758	386	7	centric	centric	NOUN
ejif-2758	386	8	approach	approach	NOUN
ejif-2758	386	9	to	to	ADP
ejif-2758	386	10	sustainability	sustainability	NOUN
ejif-2758	386	11	.	.	PUNCT
ejif-2758	387	1	journal	journal	NOUN
ejif-2758	387	2	of	of	ADP
ejif-2758	387	3	the	the	DET
ejif-2758	387	4	academy	academy	NOUN
ejif-2758	387	5	of	of	ADP
ejif-2758	387	6	marketing	marketing	NOUN
ejif-2758	387	7	science	science	NOUN
ejif-2758	387	8	,	,	PUNCT
ejif-2758	387	9	39(1	39(1	NUM
ejif-2758	387	10	)	)	PUNCT
ejif-2758	387	11	,	,	PUNCT
ejif-2758	387	12	21	21	NUM
ejif-2758	387	13	-	-	SYM
ejif-2758	387	14	39	39	NUM
ejif-2758	387	15	.	.	PUNCT
ejif-2758	388	1	[	[	X
ejif-2758	388	2	34	34	NUM
ejif-2758	388	3	]	]	X
ejif-2758	388	4	shu	shu	PROPN
ejif-2758	388	5	-	-	PUNCT
ejif-2758	388	6	teng	teng	PROPN
ejif-2758	388	7	,	,	PUNCT
ejif-2758	388	8	l.	l.	PROPN
ejif-2758	388	9	,	,	PUNCT
ejif-2758	388	10	zariyawati	zariyawati	PROPN
ejif-2758	388	11	,	,	PUNCT
ejif-2758	388	12	m.	m.	PROPN
ejif-2758	388	13	a.	a.	PROPN
ejif-2758	388	14	,	,	PUNCT
ejif-2758	388	15	suraya	suraya	NOUN
ejif-2758	388	16	-	-	PUNCT
ejif-2758	388	17	hanim	hanim	NOUN
ejif-2758	388	18	,	,	PUNCT
ejif-2758	388	19	m.	m.	NOUN
ejif-2758	388	20	,	,	PUNCT
ejif-2758	388	21	&	&	CCONJ
ejif-2758	388	22	annuar	annuar	ADJ
ejif-2758	388	23	,	,	PUNCT
ejif-2758	388	24	m.	m.	NOUN
ejif-2758	388	25	n.	n.	NOUN
ejif-2758	388	26	(	(	PUNCT
ejif-2758	388	27	2015	2015	NUM
ejif-2758	388	28	)	)	PUNCT
ejif-2758	388	29	.	.	PUNCT
ejif-2758	389	1	determinants	determinant	NOUN
ejif-2758	389	2	of	of	ADP
ejif-2758	389	3	microfinance	microfinance	NOUN
ejif-2758	389	4	repayment	repayment	NOUN
ejif-2758	389	5	performance	performance	NOUN
ejif-2758	389	6	:	:	PUNCT
ejif-2758	389	7	evidence	evidence	NOUN
ejif-2758	389	8	from	from	ADP
ejif-2758	389	9	small	small	ADJ
ejif-2758	389	10	medium	medium	ADJ
ejif-2758	389	11	enterprises	enterprise	NOUN
ejif-2758	389	12	in	in	ADP
ejif-2758	389	13	malaysia	malaysia	PROPN
ejif-2758	389	14	.	.	PUNCT
ejif-2758	390	1	international	international	ADJ
ejif-2758	390	2	journal	journal	PROPN
ejif-2758	390	3	of	of	ADP
ejif-2758	390	4	economics	economic	NOUN
ejif-2758	390	5	and	and	CCONJ
ejif-2758	390	6	finance	finance	NOUN
ejif-2758	390	7	,	,	PUNCT
ejif-2758	390	8	7(11	7(11	NUM
ejif-2758	390	9	)	)	PUNCT
ejif-2758	390	10	,	,	PUNCT
ejif-2758	390	11	110	110	NUM
ejif-2758	390	12	.	.	PUNCT
ejif-2758	391	1	[	[	X
ejif-2758	391	2	35	35	NUM
ejif-2758	391	3	]	]	PUNCT
ejif-2758	391	4	soekapdjo	soekapdjo	NOUN
ejif-2758	391	5	,	,	PUNCT
ejif-2758	391	6	s.	s.	PROPN
ejif-2758	391	7	,	,	PUNCT
ejif-2758	391	8	nugroho	nugroho	PROPN
ejif-2758	391	9	,	,	PUNCT
ejif-2758	391	10	l.	l.	PROPN
ejif-2758	391	11	,	,	PUNCT
ejif-2758	391	12	badawi	badawi	PROPN
ejif-2758	391	13	,	,	PUNCT
ejif-2758	391	14	a.	a.	NOUN
ejif-2758	391	15	,	,	PUNCT
ejif-2758	391	16	&	&	CCONJ
ejif-2758	391	17	utami	utami	PROPN
ejif-2758	391	18	,	,	PUNCT
ejif-2758	391	19	w.	w.	PROPN
ejif-2758	391	20	(	(	PUNCT
ejif-2758	391	21	2018	2018	NUM
ejif-2758	391	22	)	)	PUNCT
ejif-2758	391	23	.	.	PUNCT
ejif-2758	392	1	bad	bad	ADJ
ejif-2758	392	2	debt	debt	NOUN
ejif-2758	392	3	issues	issue	NOUN
ejif-2758	392	4	in	in	ADP
ejif-2758	392	5	islamic	islamic	PROPN
ejif-2758	392	6	bank	bank	PROPN
ejif-2758	392	7	:	:	PUNCT
ejif-2758	392	8	macro	macro	NOUN
ejif-2758	392	9	and	and	CCONJ
ejif-2758	392	10	micro	micro	ADJ
ejif-2758	392	11	influencing	influence	VERB
ejif-2758	392	12	(	(	PUNCT
ejif-2758	392	13	indonesia	indonesia	PROPN
ejif-2758	392	14	cases	case	NOUN
ejif-2758	392	15	)	)	PUNCT
ejif-2758	392	16	.	.	PUNCT
ejif-2758	393	1	international	international	ADJ
ejif-2758	393	2	journal	journal	PROPN
ejif-2758	393	3	of	of	ADP
ejif-2758	393	4	commerce	commerce	PROPN
ejif-2758	393	5	and	and	CCONJ
ejif-2758	393	6	finance	finance	NOUN
ejif-2758	393	7	4	4	NUM
ejif-2758	393	8	(	(	PUNCT
ejif-2758	393	9	1	1	NUM
ejif-2758	393	10	)	)	PUNCT
ejif-2758	393	11	,	,	PUNCT
ejif-2758	393	12	10	10	NUM
ejif-2758	393	13	-	-	SYM
ejif-2758	393	14	26	26	NUM
ejif-2758	393	15	[	[	X
ejif-2758	393	16	36	36	NUM
ejif-2758	393	17	]	]	PUNCT
ejif-2758	393	18	sukmadilaga	sukmadilaga	PROPN
ejif-2758	393	19	,	,	PUNCT
ejif-2758	393	20	c.	c.	PROPN
ejif-2758	393	21	,	,	PUNCT
ejif-2758	393	22	&	&	CCONJ
ejif-2758	393	23	nugroho	nugroho	PROPN
ejif-2758	393	24	,	,	PUNCT
ejif-2758	393	25	l.	l.	PROPN
ejif-2758	393	26	(	(	PUNCT
ejif-2758	393	27	2017	2017	NUM
ejif-2758	393	28	)	)	PUNCT
ejif-2758	393	29	.	.	PUNCT
ejif-2758	394	1	pengantar	pengantar	PROPN
ejif-2758	394	2	akuntansi	akuntansi	PROPN
ejif-2758	394	3	perbankan	perbankan	PROPN
ejif-2758	394	4	syariah	syariah	PROPN
ejif-2758	394	5	"	"	PUNCT
ejif-2758	394	6	prinsip	prinsip	NOUN
ejif-2758	394	7	,	,	PUNCT
ejif-2758	394	8	praktik	praktik	VERB
ejif-2758	394	9	dan	dan	PROPN
ejif-2758	394	10	kinerja	kinerja	PROPN
ejif-2758	394	11	.	.	PUNCT
ejif-2758	395	1	lampung	lampung	PROPN
ejif-2758	395	2	,	,	PUNCT
ejif-2758	395	3	indonesia	indonesia	PROPN
ejif-2758	395	4	,	,	PUNCT
ejif-2758	395	5	pusaka	pusaka	NOUN
ejif-2758	395	6	media	medium	NOUN
ejif-2758	395	7	.	.	PUNCT
ejif-2758	396	1	[	[	X
ejif-2758	396	2	37	37	NUM
ejif-2758	396	3	]	]	X
ejif-2758	396	4	van	van	PROPN
ejif-2758	396	5	greuning	greuning	NOUN
ejif-2758	396	6	,	,	PUNCT
ejif-2758	396	7	h.	h.	PROPN
ejif-2758	396	8	,	,	PUNCT
ejif-2758	396	9	&	&	CCONJ
ejif-2758	396	10	iqbal	iqbal	PROPN
ejif-2758	396	11	,	,	PUNCT
ejif-2758	396	12	z.	z.	PROPN
ejif-2758	396	13	(	(	PUNCT
ejif-2758	396	14	2008	2008	NUM
ejif-2758	396	15	)	)	PUNCT
ejif-2758	396	16	.	.	PUNCT
ejif-2758	397	1	risk	risk	NOUN
ejif-2758	397	2	analysis	analysis	NOUN
ejif-2758	397	3	for	for	ADP
ejif-2758	397	4	islamic	islamic	ADJ
ejif-2758	397	5	banks	bank	NOUN
ejif-2758	397	6	.	.	PUNCT
ejif-2758	398	1	world	world	PROPN
ejif-2758	398	2	bank	bank	PROPN
ejif-2758	398	3	publications	publication	NOUN
ejif-2758	398	4	.	.	PUNCT
ejif-2758	399	1	[	[	X
ejif-2758	399	2	38	38	NUM
ejif-2758	399	3	]	]	PUNCT
ejif-2758	399	4	venardos	venardo	NOUN
ejif-2758	399	5	,	,	PUNCT
ejif-2758	399	6	a.	a.	NOUN
ejif-2758	399	7	m.	m.	NOUN
ejif-2758	399	8	(	(	PUNCT
ejif-2758	399	9	2012	2012	NUM
ejif-2758	399	10	)	)	PUNCT
ejif-2758	399	11	.	.	PUNCT
ejif-2758	400	1	islamic	islamic	PROPN
ejif-2758	400	2	banking	banking	PROPN
ejif-2758	400	3	&	&	CCONJ
ejif-2758	400	4	finance	finance	PROPN
ejif-2758	400	5	in	in	ADP
ejif-2758	400	6	south	south	PROPN
ejif-2758	400	7	-	-	PUNCT
ejif-2758	400	8	east	east	NOUN
ejif-2758	400	9	asia	asia	PROPN
ejif-2758	400	10	:	:	PUNCT
ejif-2758	400	11	its	its	PRON
ejif-2758	400	12	development	development	NOUN
ejif-2758	400	13	&	&	CCONJ
ejif-2758	400	14	future	future	ADJ
ejif-2758	400	15	(	(	PUNCT
ejif-2758	400	16	vol	vol	NOUN
ejif-2758	400	17	.	.	NOUN
ejif-2758	400	18	6	6	NUM
ejif-2758	400	19	)	)	PUNCT
ejif-2758	400	20	.	.	PUNCT
ejif-2758	401	1	world	world	PROPN
ejif-2758	401	2	scientific	scientific	ADJ
ejif-2758	401	3	.	.	PUNCT
ejif-2758	402	1	[	[	X
ejif-2758	402	2	39	39	NUM
ejif-2758	402	3	]	]	PUNCT
ejif-2758	402	4	wajdi	wajdi	NOUN
ejif-2758	402	5	dusuki	dusuki	NOUN
ejif-2758	402	6	,	,	PUNCT
ejif-2758	402	7	a.	a.	NOUN
ejif-2758	402	8	(	(	PUNCT
ejif-2758	402	9	2008	2008	NUM
ejif-2758	402	10	)	)	PUNCT
ejif-2758	402	11	.	.	PUNCT
ejif-2758	403	1	banking	bank	VERB
ejif-2758	403	2	for	for	ADP
ejif-2758	403	3	the	the	DET
ejif-2758	403	4	poor	poor	ADJ
ejif-2758	403	5	:	:	PUNCT
ejif-2758	403	6	the	the	DET
ejif-2758	403	7	role	role	NOUN
ejif-2758	403	8	of	of	ADP
ejif-2758	403	9	islamic	islamic	ADJ
ejif-2758	403	10	banking	banking	NOUN
ejif-2758	403	11	in	in	ADP
ejif-2758	403	12	microfinance	microfinance	NOUN
ejif-2758	403	13	initiatives	initiative	NOUN
ejif-2758	403	14	.	.	PUNCT
ejif-2758	404	1	humanomics	humanomic	NOUN
ejif-2758	404	2	,	,	PUNCT
ejif-2758	404	3	24(1	24(1	NUM
ejif-2758	404	4	)	)	PUNCT
ejif-2758	404	5	,	,	PUNCT
ejif-2758	404	6	49	49	NUM
ejif-2758	404	7	-	-	SYM
ejif-2758	404	8	66	66	NUM
ejif-2758	404	9	.	.	PUNCT
ejif-2758	405	1	ejif	ejif	PROPN
ejif-2758	405	2	–	–	PUNCT
ejif-2758	405	3	european	european	PROPN
ejif-2758	405	4	journal	journal	PROPN
ejif-2758	405	5	of	of	ADP
ejif-2758	405	6	islamic	islamic	PROPN
ejif-2758	405	7	finance	finance	PROPN
ejif-2758	405	8	editorial	editorial	ADJ
ejif-2758	405	9	team	team	NOUN
ejif-2758	405	10	editor	editor	NOUN
ejif-2758	405	11	in	in	ADP
ejif-2758	405	12	chief	chief	ADJ
ejif-2758	405	13	prof	prof	NOUN
ejif-2758	405	14	.	.	PUNCT
ejif-2758	405	15	paolo	paolo	PROPN
ejif-2758	405	16	pietro	pietro	PROPN
ejif-2758	405	17	biancone	biancone	NOUN
ejif-2758	405	18	,	,	PUNCT
ejif-2758	405	19	university	university	PROPN
ejif-2758	405	20	of	of	ADP
ejif-2758	405	21	turin	turin	PROPN
ejif-2758	405	22	,	,	PUNCT
ejif-2758	405	23	italy	italy	PROPN
ejif-2758	405	24	editorial	editorial	PROPN
ejif-2758	405	25	board	board	PROPN
ejif-2758	405	26	prof	prof	PROPN
ejif-2758	405	27	.	.	PUNCT
ejif-2758	406	1	dian	dian	PROPN
ejif-2758	406	2	masyita	masyita	PROPN
ejif-2758	406	3	,	,	PUNCT
ejif-2758	406	4	university	university	NOUN
ejif-2758	406	5	of	of	ADP
ejif-2758	406	6	padjadjaran	padjadjaran	PROPN
ejif-2758	406	7	,	,	PUNCT
ejif-2758	406	8	indonesia	indonesia	PROPN
ejif-2758	406	9	prof	prof	PROPN
ejif-2758	406	10	.	.	PUNCT
ejif-2758	407	1	abdulazeem	abdulazeem	PROPN
ejif-2758	407	2	abozaid	abozaid	PROPN
ejif-2758	407	3	,	,	PUNCT
ejif-2758	407	4	qatar	qatar	PROPN
ejif-2758	407	5	faculty	faculty	NOUN
ejif-2758	407	6	of	of	ADP
ejif-2758	407	7	islamic	islamic	ADJ
ejif-2758	407	8	studies	study	NOUN
ejif-2758	407	9	–	–	PUNCT
ejif-2758	407	10	qatar	qatar	PROPN
ejif-2758	407	11	prof	prof	NOUN
ejif-2758	407	12	.	.	PUNCT
ejif-2758	408	1	ahmad	ahmad	PROPN
ejif-2758	408	2	aref	aref	PROPN
ejif-2758	408	3	almazari	almazari	PROPN
ejif-2758	408	4	,	,	PUNCT
ejif-2758	408	5	king	king	PROPN
ejif-2758	408	6	saud	saud	PROPN
ejif-2758	408	7	university	university	PROPN
ejif-2758	408	8	,	,	PUNCT
ejif-2758	408	9	saudi	saudi	PROPN
ejif-2758	408	10	arabia	arabia	PROPN
ejif-2758	408	11	prof	prof	PROPN
ejif-2758	408	12	.	.	PUNCT
ejif-2758	409	1	nidal	nidal	PROPN
ejif-2758	409	2	a.	a.	PROPN
ejif-2758	409	3	alsayyed	alsayye	VERB
ejif-2758	409	4	,	,	PUNCT
ejif-2758	409	5	inayah	inayah	VERB
ejif-2758	409	6	islamic	islamic	PROPN
ejif-2758	409	7	finance	finance	PROPN
ejif-2758	409	8	research	research	PROPN
ejif-2758	409	9	institute	institute	PROPN
ejif-2758	409	10	,	,	PUNCT
ejif-2758	409	11	usa	usa	PROPN
ejif-2758	409	12	prof	prof	PROPN
ejif-2758	409	13	.	.	PUNCT
ejif-2758	410	1	roberta	roberta	PROPN
ejif-2758	410	2	aluffi	aluffi	PROPN
ejif-2758	410	3	,	,	PUNCT
ejif-2758	410	4	university	university	PROPN
ejif-2758	410	5	of	of	ADP
ejif-2758	410	6	turin	turin	PROPN
ejif-2758	410	7	italy	italy	PROPN
ejif-2758	410	8	prof	prof	PROPN
ejif-2758	410	9	.	.	PUNCT
ejif-2758	411	1	ghassen	ghassen	PROPN
ejif-2758	411	2	bouslama	bouslama	PROPN
ejif-2758	411	3	,	,	PUNCT
ejif-2758	411	4	neoma	neoma	PROPN
ejif-2758	411	5	business	business	PROPN
ejif-2758	411	6	school	school	PROPN
ejif-2758	411	7	campus	campus	NOUN
ejif-2758	411	8	de	de	X
ejif-2758	411	9	reims	reims	X
ejif-2758	411	10	,	,	PUNCT
ejif-2758	411	11	france	france	PROPN
ejif-2758	411	12	prof	prof	PROPN
ejif-2758	411	13	.	.	PUNCT
ejif-2758	412	1	nazam	nazam	PROPN
ejif-2758	412	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-2758	412	3	,	,	PUNCT
ejif-2758	412	4	salford	salford	PROPN
ejif-2758	412	5	university	university	PROPN
ejif-2758	412	6	,	,	PUNCT
ejif-2758	412	7	uk	uk	PROPN
ejif-2758	412	8	prof	prof	PROPN
ejif-2758	412	9	.	.	PUNCT
ejif-2758	413	1	kabir	kabir	PROPN
ejif-2758	413	2	hassan	hassan	PROPN
ejif-2758	413	3	,	,	PUNCT
ejif-2758	413	4	university	university	NOUN
ejif-2758	413	5	of	of	ADP
ejif-2758	413	6	new	new	PROPN
ejif-2758	413	7	orleans	orleans	PROPN
ejif-2758	413	8	,	,	PUNCT
ejif-2758	413	9	usa	usa	PROPN
ejif-2758	413	10	prof	prof	PROPN
ejif-2758	413	11	.	.	PUNCT
ejif-2758	414	1	khaled	khaled	PROPN
ejif-2758	414	2	hussainey	hussainey	PROPN
ejif-2758	414	3	,	,	PUNCT
ejif-2758	414	4	university	university	NOUN
ejif-2758	414	5	of	of	ADP
ejif-2758	414	6	plymouth	plymouth	PROPN
ejif-2758	414	7	,	,	PUNCT
ejif-2758	414	8	uk	uk	PROPN
ejif-2758	414	9	prof	prof	PROPN
ejif-2758	414	10	.	.	PUNCT
ejif-2758	415	1	rifki	rifki	PROPN
ejif-2758	415	2	ismal	ismal	NOUN
ejif-2758	415	3	,	,	PUNCT
ejif-2758	415	4	university	university	NOUN
ejif-2758	415	5	of	of	ADP
ejif-2758	415	6	indonesia	indonesia	PROPN
ejif-2758	415	7	prof	prof	PROPN
ejif-2758	415	8	.	.	PUNCT
ejif-2758	416	1	tariqullah	tariqullah	PROPN
ejif-2758	416	2	khan	khan	PROPN
ejif-2758	416	3	,	,	PUNCT
ejif-2758	416	4	hamad	hamad	PROPN
ejif-2758	416	5	bin	bin	PROPN
ejif-2758	416	6	khalifa	khalifa	PROPN
ejif-2758	416	7	university	university	PROPN
ejif-2758	416	8	,	,	PUNCT
ejif-2758	416	9	qatar	qatar	PROPN
ejif-2758	416	10	prof	prof	PROPN
ejif-2758	416	11	.	.	PROPN
ejif-2758	417	1	ali	ali	PROPN
ejif-2758	417	2	khorshid	khorshid	PROPN
ejif-2758	417	3	,	,	PUNCT
ejif-2758	417	4	icma	icma	NOUN
ejif-2758	417	5	centre	centre	NOUN
ejif-2758	417	6	reading	read	VERB
ejif-2758	417	7	university	university	PROPN
ejif-2758	417	8	uk	uk	PROPN
ejif-2758	417	9	prof	prof	PROPN
ejif-2758	417	10	.	.	PUNCT
ejif-2758	418	1	amir	amir	PROPN
ejif-2758	418	2	kia	kia	PROPN
ejif-2758	418	3	,	,	PUNCT
ejif-2758	418	4	utah	utah	PROPN
ejif-2758	418	5	valley	valley	PROPN
ejif-2758	418	6	university	university	PROPN
ejif-2758	418	7	,	,	PUNCT
ejif-2758	418	8	usa	usa	PROPN
ejif-2758	418	9	prof	prof	PROPN
ejif-2758	418	10	.	.	PUNCT
ejif-2758	419	1	laurent	laurent	PROPN
ejif-2758	419	2	marliere	marliere	ADV
ejif-2758	419	3	,	,	PUNCT
ejif-2758	419	4	université	université	PROPN
ejif-2758	419	5	paris	paris	PROPN
ejif-2758	419	6	-	-	PUNCT
ejif-2758	419	7	dauphine	dauphine	PROPN
ejif-2758	419	8	france	france	PROPN
ejif-2758	419	9	prof	prof	PROPN
ejif-2758	419	10	.	.	PUNCT
ejif-2758	420	1	federica	federica	PROPN
ejif-2758	420	2	miglietta	miglietta	PROPN
ejif-2758	420	3	,	,	PUNCT
ejif-2758	420	4	university	university	NOUN
ejif-2758	420	5	of	of	ADP
ejif-2758	420	6	bari	bari	PROPN
ejif-2758	420	7	italy	italy	PROPN
ejif-2758	420	8	prof	prof	PROPN
ejif-2758	420	9	.	.	PUNCT
ejif-2758	421	1	hakim	hakim	PROPN
ejif-2758	421	2	ben	ben	PROPN
ejif-2758	421	3	othman	othman	PROPN
ejif-2758	421	4	,	,	PUNCT
ejif-2758	421	5	university	university	PROPN
ejif-2758	421	6	of	of	ADP
ejif-2758	421	7	tunis	tunis	PROPN
ejif-2758	421	8	tunisia	tunisia	PROPN
ejif-2758	421	9	prof	prof	PROPN
ejif-2758	421	10	.	.	PUNCT
ejif-2758	422	1	mohamed	mohamed	PROPN
ejif-2758	422	2	ramady	ramady	PROPN
ejif-2758	422	3	,	,	PUNCT
ejif-2758	422	4	king	king	PROPN
ejif-2758	422	5	fahd	fahd	PROPN
ejif-2758	422	6	university	university	PROPN
ejif-2758	422	7	of	of	ADP
ejif-2758	422	8	petroleum	petroleum	NOUN
ejif-2758	422	9	and	and	CCONJ
ejif-2758	422	10	minerals	mineral	NOUN
ejif-2758	422	11	,	,	PUNCT
ejif-2758	423	1	saudi	saudi	PROPN
ejif-2758	423	2	arabia	arabia	PROPN
ejif-2758	423	3	prof	prof	PROPN
ejif-2758	423	4	.	.	PROPN
ejif-2758	423	5	mamunur	mamunur	PROPN
ejif-2758	423	6	rashid	rashid	PROPN
ejif-2758	423	7	,	,	PUNCT
ejif-2758	423	8	nottingham	nottingham	PROPN
ejif-2758	423	9	university	university	PROPN
ejif-2758	423	10	,	,	PUNCT
ejif-2758	423	11	malaysia	malaysia	PROPN
ejif-2758	423	12	prof	prof	PROPN
ejif-2758	423	13	.	.	PUNCT
ejif-2758	424	1	younes	younes	PROPN
ejif-2758	424	2	soualhi	soualhi	PROPN
ejif-2758	424	3	,	,	PUNCT
ejif-2758	424	4	international	international	PROPN
ejif-2758	424	5	islamic	islamic	PROPN
ejif-2758	424	6	university	university	PROPN
ejif-2758	424	7	malaysia	malaysia	PROPN
ejif-2758	424	8	prof	prof	PROPN
ejif-2758	424	9	.	.	PUNCT
ejif-2758	425	1	laurent	laurent	PROPN
ejif-2758	425	2	weill	weill	PROPN
ejif-2758	425	3	,	,	PUNCT
ejif-2758	425	4	university	university	NOUN
ejif-2758	425	5	of	of	ADP
ejif-2758	425	6	strasbourg	strasbourg	PROPN
ejif-2758	425	7	,	,	PUNCT
ejif-2758	425	8	france	france	PROPN