id	sid	tid	token	lemma	pos
ejif-2832	1	1	paper	paper	NOUN
ejif-2832	1	2	title	title	NOUN
ejif-2832	1	3	(	(	PUNCT
ejif-2832	1	4	use	use	NOUN
ejif-2832	1	5	style	style	NOUN
ejif-2832	1	6	:	:	PUNCT
ejif-2832	1	7	paper	paper	NOUN
ejif-2832	1	8	title	title	NOUN
ejif-2832	1	9	)	)	PUNCT
ejif-2832	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	1	11	issn	issn	VERB
ejif-2832	1	12	2421	2421	NUM
ejif-2832	1	13	-	-	SYM
ejif-2832	1	14	2172	2172	NUM
ejif-2832	1	15	1	1	NUM
ejif-2832	1	16	issues	issue	NOUN
ejif-2832	1	17	and	and	CCONJ
ejif-2832	1	18	challenges	challenge	NOUN
ejif-2832	1	19	in	in	ADP
ejif-2832	1	20	financing	finance	VERB
ejif-2832	1	21	the	the	DET
ejif-2832	1	22	poor	poor	ADJ
ejif-2832	1	23	:	:	PUNCT
ejif-2832	1	24	lessons	lesson	NOUN
ejif-2832	1	25	learned	learn	VERB
ejif-2832	1	26	from	from	ADP
ejif-2832	1	27	islamic	islamic	ADJ
ejif-2832	1	28	microfinance	microfinance	NOUN
ejif-2832	1	29	institutions	institution	NOUN
ejif-2832	1	30	abstract	abstract	ADJ
ejif-2832	1	31	—	—	PUNCT
ejif-2832	1	32	islamic	islamic	ADJ
ejif-2832	1	33	microfinance	microfinance	NOUN
ejif-2832	1	34	institutions	institution	NOUN
ejif-2832	1	35	(	(	PUNCT
ejif-2832	1	36	imfis	imfis	NOUN
ejif-2832	1	37	)	)	PUNCT
ejif-2832	1	38	play	play	VERB
ejif-2832	1	39	a	a	DET
ejif-2832	1	40	very	very	ADV
ejif-2832	1	41	important	important	ADJ
ejif-2832	1	42	role	role	NOUN
ejif-2832	1	43	in	in	ADP
ejif-2832	1	44	contributing	contribute	VERB
ejif-2832	1	45	towards	towards	ADP
ejif-2832	1	46	higher	high	ADJ
ejif-2832	1	47	financial	financial	ADJ
ejif-2832	1	48	inclusion	inclusion	NOUN
ejif-2832	1	49	among	among	ADP
ejif-2832	1	50	the	the	DET
ejif-2832	1	51	poor	poor	ADJ
ejif-2832	1	52	,	,	PUNCT
ejif-2832	1	53	especially	especially	ADV
ejif-2832	1	54	in	in	ADP
ejif-2832	1	55	the	the	DET
ejif-2832	1	56	muslim	muslim	ADJ
ejif-2832	1	57	countries	country	NOUN
ejif-2832	1	58	.	.	PUNCT
ejif-2832	2	1	despite	despite	SCONJ
ejif-2832	2	2	their	their	PRON
ejif-2832	2	3	importance	importance	NOUN
ejif-2832	2	4	,	,	PUNCT
ejif-2832	2	5	the	the	DET
ejif-2832	2	6	imfis	imfis	ADJ
ejif-2832	2	7	face	face	NOUN
ejif-2832	2	8	wide	wide	ADJ
ejif-2832	2	9	ranging	range	VERB
ejif-2832	2	10	issues	issue	NOUN
ejif-2832	2	11	especially	especially	ADV
ejif-2832	2	12	in	in	ADP
ejif-2832	2	13	the	the	DET
ejif-2832	2	14	operational	operational	ADJ
ejif-2832	2	15	and	and	CCONJ
ejif-2832	2	16	regulatory	regulatory	ADJ
ejif-2832	2	17	aspects	aspect	NOUN
ejif-2832	2	18	,	,	PUNCT
ejif-2832	2	19	and	and	CCONJ
ejif-2832	2	20	these	these	DET
ejif-2832	2	21	issues	issue	NOUN
ejif-2832	2	22	hinder	hinder	VERB
ejif-2832	2	23	the	the	DET
ejif-2832	2	24	effective	effective	ADJ
ejif-2832	2	25	development	development	NOUN
ejif-2832	2	26	of	of	ADP
ejif-2832	2	27	the	the	DET
ejif-2832	2	28	imfis	imfis	NOUN
ejif-2832	2	29	.	.	PUNCT
ejif-2832	3	1	by	by	ADP
ejif-2832	3	2	examining	examine	VERB
ejif-2832	3	3	the	the	DET
ejif-2832	3	4	experience	experience	NOUN
ejif-2832	3	5	of	of	ADP
ejif-2832	3	6	two	two	NUM
ejif-2832	3	7	major	major	ADJ
ejif-2832	3	8	imfis	imfis	NOUN
ejif-2832	3	9	in	in	ADP
ejif-2832	3	10	indonesia	indonesia	PROPN
ejif-2832	3	11	and	and	CCONJ
ejif-2832	3	12	malaysia	malaysia	PROPN
ejif-2832	3	13	,	,	PUNCT
ejif-2832	3	14	namely	namely	ADV
ejif-2832	3	15	baitul	baitul	NOUN
ejif-2832	3	16	maal	maal	NOUN
ejif-2832	3	17	wat	wat	AUX
ejif-2832	3	18	tamwil	tamwil	VERB
ejif-2832	3	19	(	(	PUNCT
ejif-2832	3	20	bmt	bmt	PROPN
ejif-2832	3	21	)	)	PUNCT
ejif-2832	3	22	and	and	CCONJ
ejif-2832	3	23	amanah	amanah	PROPN
ejif-2832	3	24	ikhtiar	ikhtiar	VERB
ejif-2832	3	25	malaysia	malaysia	PROPN
ejif-2832	3	26	(	(	PUNCT
ejif-2832	3	27	aim	aim	PROPN
ejif-2832	3	28	)	)	PUNCT
ejif-2832	3	29	,	,	PUNCT
ejif-2832	3	30	this	this	DET
ejif-2832	3	31	study	study	NOUN
ejif-2832	3	32	offers	offer	VERB
ejif-2832	3	33	a	a	DET
ejif-2832	3	34	new	new	ADJ
ejif-2832	3	35	perspective	perspective	NOUN
ejif-2832	3	36	by	by	ADP
ejif-2832	3	37	making	make	VERB
ejif-2832	3	38	a	a	DET
ejif-2832	3	39	comparative	comparative	ADJ
ejif-2832	3	40	study	study	NOUN
ejif-2832	3	41	between	between	ADP
ejif-2832	3	42	the	the	DET
ejif-2832	3	43	two	two	NUM
ejif-2832	3	44	imfis	imfis	NOUN
ejif-2832	3	45	with	with	ADP
ejif-2832	3	46	the	the	DET
ejif-2832	3	47	aim	aim	NOUN
ejif-2832	3	48	of	of	ADP
ejif-2832	3	49	understanding	understand	VERB
ejif-2832	3	50	the	the	DET
ejif-2832	3	51	peculiarities	peculiarity	NOUN
ejif-2832	3	52	facing	face	VERB
ejif-2832	3	53	each	each	DET
ejif-2832	3	54	institution	institution	NOUN
ejif-2832	3	55	,	,	PUNCT
ejif-2832	3	56	unlike	unlike	ADP
ejif-2832	3	57	the	the	DET
ejif-2832	3	58	earlier	early	ADJ
ejif-2832	3	59	studies	study	NOUN
ejif-2832	3	60	which	which	PRON
ejif-2832	3	61	commonly	commonly	ADV
ejif-2832	3	62	focusing	focus	VERB
ejif-2832	3	63	on	on	ADP
ejif-2832	3	64	a	a	DET
ejif-2832	3	65	particular	particular	ADJ
ejif-2832	3	66	institution	institution	NOUN
ejif-2832	3	67	only	only	ADV
ejif-2832	3	68	.	.	PUNCT
ejif-2832	4	1	the	the	DET
ejif-2832	4	2	study	study	NOUN
ejif-2832	4	3	finds	find	VERB
ejif-2832	4	4	that	that	SCONJ
ejif-2832	4	5	sustainability	sustainability	NOUN
ejif-2832	4	6	and	and	CCONJ
ejif-2832	4	7	human	human	ADJ
ejif-2832	4	8	resource	resource	NOUN
ejif-2832	4	9	are	be	AUX
ejif-2832	4	10	the	the	DET
ejif-2832	4	11	main	main	ADJ
ejif-2832	4	12	issues	issue	NOUN
ejif-2832	4	13	facing	face	VERB
ejif-2832	4	14	both	both	DET
ejif-2832	4	15	imfis	imfis	ADJ
ejif-2832	4	16	.	.	PUNCT
ejif-2832	5	1	while	while	SCONJ
ejif-2832	5	2	structural	structural	ADJ
ejif-2832	5	3	issue	issue	NOUN
ejif-2832	5	4	such	such	ADJ
ejif-2832	5	5	as	as	ADP
ejif-2832	5	6	reliance	reliance	NOUN
ejif-2832	5	7	on	on	ADP
ejif-2832	5	8	subsidies	subsidy	NOUN
ejif-2832	5	9	could	could	AUX
ejif-2832	5	10	jeopardise	jeopardise	VERB
ejif-2832	5	11	the	the	DET
ejif-2832	5	12	sustainability	sustainability	NOUN
ejif-2832	5	13	in	in	ADP
ejif-2832	5	14	the	the	DET
ejif-2832	5	15	long	long	ADJ
ejif-2832	5	16	run	run	NOUN
ejif-2832	5	17	,	,	PUNCT
ejif-2832	5	18	human	human	ADJ
ejif-2832	5	19	resource	resource	NOUN
ejif-2832	5	20	is	be	AUX
ejif-2832	5	21	highly	highly	ADV
ejif-2832	5	22	critical	critical	ADJ
ejif-2832	5	23	in	in	ADP
ejif-2832	5	24	ensuring	ensure	VERB
ejif-2832	5	25	smooth	smooth	ADJ
ejif-2832	5	26	functioning	functioning	NOUN
ejif-2832	5	27	of	of	ADP
ejif-2832	5	28	the	the	DET
ejif-2832	5	29	imfis	imfis	NOUN
ejif-2832	5	30	as	as	ADV
ejif-2832	5	31	well	well	ADV
ejif-2832	5	32	as	as	ADP
ejif-2832	5	33	their	their	PRON
ejif-2832	5	34	sustainability	sustainability	NOUN
ejif-2832	5	35	even	even	ADV
ejif-2832	5	36	in	in	ADP
ejif-2832	5	37	the	the	DET
ejif-2832	5	38	short	short	ADJ
ejif-2832	5	39	run	run	NOUN
ejif-2832	5	40	.	.	PUNCT
ejif-2832	6	1	findings	finding	NOUN
ejif-2832	6	2	of	of	ADP
ejif-2832	6	3	this	this	DET
ejif-2832	6	4	study	study	NOUN
ejif-2832	6	5	contribute	contribute	VERB
ejif-2832	6	6	to	to	PART
ejif-2832	6	7	highlight	highlight	VERB
ejif-2832	6	8	the	the	DET
ejif-2832	6	9	critical	critical	ADJ
ejif-2832	6	10	factors	factor	NOUN
ejif-2832	6	11	to	to	PART
ejif-2832	6	12	be	be	AUX
ejif-2832	6	13	emphasized	emphasize	VERB
ejif-2832	6	14	in	in	ADP
ejif-2832	6	15	ensuring	ensure	VERB
ejif-2832	6	16	sustainability	sustainability	NOUN
ejif-2832	6	17	of	of	ADP
ejif-2832	6	18	imfis	imfis	NOUN
ejif-2832	6	19	.	.	PUNCT
ejif-2832	7	1	keywords	keyword	NOUN
ejif-2832	7	2	-	-	PUNCT
ejif-2832	7	3	component	component	NOUN
ejif-2832	7	4	;	;	PUNCT
ejif-2832	7	5	microfinance	microfinance	NOUN
ejif-2832	7	6	,	,	PUNCT
ejif-2832	7	7	baitul	baitul	NOUN
ejif-2832	7	8	maat	maat	NOUN
ejif-2832	7	9	wat	wat	AUX
ejif-2832	7	10	tamwil	tamwil	X
ejif-2832	7	11	(	(	PUNCT
ejif-2832	7	12	bmt	bmt	PROPN
ejif-2832	7	13	)	)	PUNCT
ejif-2832	7	14	,	,	PUNCT
ejif-2832	7	15	amanah	amanah	PROPN
ejif-2832	7	16	ikhtiar	ikhtiar	VERB
ejif-2832	7	17	malaysia	malaysia	PROPN
ejif-2832	7	18	(	(	PUNCT
ejif-2832	7	19	aim	aim	PROPN
ejif-2832	7	20	)	)	PUNCT
ejif-2832	7	21	,	,	PUNCT
ejif-2832	7	22	islamic	islamic	PROPN
ejif-2832	7	23	finance	finance	PROPN
ejif-2832	7	24	i.	i.	PROPN
ejif-2832	7	25	introduction	introduction	PROPN
ejif-2832	7	26	islamic	islamic	PROPN
ejif-2832	7	27	microfinance	microfinance	NOUN
ejif-2832	7	28	plays	play	VERB
ejif-2832	7	29	a	a	DET
ejif-2832	7	30	crucial	crucial	ADJ
ejif-2832	7	31	role	role	NOUN
ejif-2832	7	32	in	in	ADP
ejif-2832	7	33	improving	improve	VERB
ejif-2832	7	34	financial	financial	ADJ
ejif-2832	7	35	inclusion	inclusion	NOUN
ejif-2832	7	36	among	among	ADP
ejif-2832	7	37	the	the	DET
ejif-2832	7	38	poor	poor	ADJ
ejif-2832	7	39	especially	especially	ADV
ejif-2832	7	40	in	in	ADP
ejif-2832	7	41	the	the	DET
ejif-2832	7	42	muslim	muslim	ADJ
ejif-2832	7	43	nations	nation	NOUN
ejif-2832	7	44	by	by	ADP
ejif-2832	7	45	serving	serve	VERB
ejif-2832	7	46	the	the	DET
ejif-2832	7	47	financial	financial	ADJ
ejif-2832	7	48	needs	need	NOUN
ejif-2832	7	49	of	of	ADP
ejif-2832	7	50	the	the	DET
ejif-2832	7	51	poor	poor	ADJ
ejif-2832	7	52	who	who	PRON
ejif-2832	7	53	are	be	AUX
ejif-2832	7	54	commonly	commonly	ADV
ejif-2832	7	55	categorised	categorise	VERB
ejif-2832	7	56	as	as	ADP
ejif-2832	7	57	the	the	DET
ejif-2832	7	58	“	"	PUNCT
ejif-2832	7	59	unbankables	unbankable	NOUN
ejif-2832	7	60	”	"	PUNCT
ejif-2832	7	61	.	.	PUNCT
ejif-2832	8	1	in	in	ADP
ejif-2832	8	2	the	the	DET
ejif-2832	8	3	south	south	ADJ
ejif-2832	8	4	-	-	PUNCT
ejif-2832	8	5	east	east	NOUN
ejif-2832	8	6	asian	asian	ADJ
ejif-2832	8	7	region	region	NOUN
ejif-2832	8	8	,	,	PUNCT
ejif-2832	8	9	islamic	islamic	ADJ
ejif-2832	8	10	microfinance	microfinance	NOUN
ejif-2832	8	11	has	have	AUX
ejif-2832	8	12	grown	grow	VERB
ejif-2832	8	13	rapidly	rapidly	ADV
ejif-2832	8	14	particularly	particularly	ADV
ejif-2832	8	15	in	in	ADP
ejif-2832	8	16	indonesia	indonesia	PROPN
ejif-2832	8	17	and	and	CCONJ
ejif-2832	8	18	malaysia	malaysia	PROPN
ejif-2832	8	19	,	,	PUNCT
ejif-2832	8	20	where	where	SCONJ
ejif-2832	8	21	the	the	DET
ejif-2832	8	22	muslimmajority	muslimmajority	NOUN
ejif-2832	8	23	populations	population	NOUN
ejif-2832	8	24	have	have	AUX
ejif-2832	8	25	created	create	VERB
ejif-2832	8	26	a	a	DET
ejif-2832	8	27	great	great	ADJ
ejif-2832	8	28	demand	demand	NOUN
ejif-2832	8	29	for	for	ADP
ejif-2832	8	30	shari’ahcompliant	shari’ahcompliant	ADJ
ejif-2832	8	31	microfinance	microfinance	NOUN
ejif-2832	8	32	products	product	NOUN
ejif-2832	8	33	that	that	PRON
ejif-2832	8	34	can	can	AUX
ejif-2832	8	35	cater	cater	VERB
ejif-2832	8	36	for	for	ADP
ejif-2832	8	37	the	the	DET
ejif-2832	8	38	sociocultural	sociocultural	ADJ
ejif-2832	8	39	peculiarities	peculiarity	NOUN
ejif-2832	8	40	of	of	ADP
ejif-2832	8	41	the	the	DET
ejif-2832	8	42	poor	poor	ADJ
ejif-2832	8	43	in	in	ADP
ejif-2832	8	44	these	these	DET
ejif-2832	8	45	countries	country	NOUN
ejif-2832	8	46	.	.	PUNCT
ejif-2832	9	1	the	the	DET
ejif-2832	9	2	islamic	islamic	ADJ
ejif-2832	9	3	microfinance	microfinance	NOUN
ejif-2832	9	4	institutions	institution	NOUN
ejif-2832	9	5	(	(	PUNCT
ejif-2832	9	6	imfis	imfis	PROPN
ejif-2832	9	7	)	)	PUNCT
ejif-2832	9	8	continue	continue	VERB
ejif-2832	9	9	to	to	PART
ejif-2832	9	10	expand	expand	VERB
ejif-2832	9	11	their	their	PRON
ejif-2832	9	12	services	service	NOUN
ejif-2832	9	13	to	to	PART
ejif-2832	9	14	provide	provide	VERB
ejif-2832	9	15	a	a	DET
ejif-2832	9	16	variety	variety	NOUN
ejif-2832	9	17	of	of	ADP
ejif-2832	9	18	financial	financial	ADJ
ejif-2832	9	19	services	service	NOUN
ejif-2832	9	20	to	to	ADP
ejif-2832	9	21	the	the	DET
ejif-2832	9	22	poor	poor	ADJ
ejif-2832	9	23	segment	segment	NOUN
ejif-2832	9	24	of	of	ADP
ejif-2832	9	25	the	the	DET
ejif-2832	9	26	community	community	NOUN
ejif-2832	9	27	in	in	ADP
ejif-2832	9	28	the	the	DET
ejif-2832	9	29	form	form	NOUN
ejif-2832	9	30	of	of	ADP
ejif-2832	9	31	micro	micro	NOUN
ejif-2832	9	32	-	-	NOUN
ejif-2832	9	33	credit	credit	NOUN
ejif-2832	9	34	,	,	PUNCT
ejif-2832	9	35	microsavings	microsaving	NOUN
ejif-2832	9	36	and	and	CCONJ
ejif-2832	9	37	micro	micro	NOUN
ejif-2832	9	38	-	-	NOUN
ejif-2832	9	39	takaful	takaful	ADJ
ejif-2832	9	40	.	.	PUNCT
ejif-2832	10	1	efforts	effort	NOUN
ejif-2832	10	2	are	be	AUX
ejif-2832	10	3	continuously	continuously	ADV
ejif-2832	10	4	taken	take	VERB
ejif-2832	10	5	to	to	PART
ejif-2832	10	6	integrate	integrate	VERB
ejif-2832	10	7	the	the	DET
ejif-2832	10	8	islamic	islamic	ADJ
ejif-2832	10	9	third	third	ADJ
ejif-2832	10	10	sector	sector	NOUN
ejif-2832	10	11	,	,	PUNCT
ejif-2832	10	12	namely	namely	ADV
ejif-2832	10	13	zakat	zakat	X
ejif-2832	10	14	,	,	PUNCT
ejif-2832	10	15	waqf	waqf	NOUN
ejif-2832	10	16	and	and	CCONJ
ejif-2832	10	17	sadaqah	sadaqah	NOUN
ejif-2832	10	18	into	into	ADP
ejif-2832	10	19	the	the	DET
ejif-2832	10	20	islamic	islamic	ADJ
ejif-2832	10	21	microfinance	microfinance	NOUN
ejif-2832	10	22	to	to	PART
ejif-2832	10	23	help	help	VERB
ejif-2832	10	24	fully	fully	ADV
ejif-2832	10	25	mobilise	mobilise	VERB
ejif-2832	10	26	the	the	DET
ejif-2832	10	27	financing	financing	NOUN
ejif-2832	10	28	capacity	capacity	NOUN
ejif-2832	10	29	of	of	ADP
ejif-2832	10	30	islamic	islamic	ADJ
ejif-2832	10	31	social	social	ADJ
ejif-2832	10	32	finance	finance	NOUN
ejif-2832	10	33	.	.	PUNCT
ejif-2832	11	1	in	in	ADP
ejif-2832	11	2	essence	essence	NOUN
ejif-2832	11	3	,	,	PUNCT
ejif-2832	11	4	the	the	DET
ejif-2832	11	5	objective	objective	NOUN
ejif-2832	11	6	of	of	ADP
ejif-2832	11	7	islamic	islamic	ADJ
ejif-2832	11	8	microfinance	microfinance	NOUN
ejif-2832	11	9	is	be	AUX
ejif-2832	11	10	to	to	PART
ejif-2832	11	11	fulfil	fulfil	VERB
ejif-2832	11	12	the	the	DET
ejif-2832	11	13	financial	financial	ADJ
ejif-2832	11	14	needs	need	NOUN
ejif-2832	11	15	of	of	ADP
ejif-2832	11	16	the	the	DET
ejif-2832	11	17	poor	poor	ADJ
ejif-2832	11	18	and	and	CCONJ
ejif-2832	11	19	as	as	ADP
ejif-2832	11	20	a	a	DET
ejif-2832	11	21	means	means	NOUN
ejif-2832	11	22	of	of	ADP
ejif-2832	11	23	poverty	poverty	NOUN
ejif-2832	11	24	alleviation	alleviation	NOUN
ejif-2832	11	25	efforts	effort	NOUN
ejif-2832	11	26	to	to	PART
ejif-2832	11	27	achieve	achieve	VERB
ejif-2832	11	28	equitable	equitable	ADJ
ejif-2832	11	29	distribution	distribution	NOUN
ejif-2832	11	30	of	of	ADP
ejif-2832	11	31	wealth	wealth	NOUN
ejif-2832	11	32	and	and	CCONJ
ejif-2832	11	33	income	income	NOUN
ejif-2832	11	34	with	with	ADP
ejif-2832	11	35	full	full	ADJ
ejif-2832	11	36	adherence	adherence	NOUN
ejif-2832	11	37	to	to	ADP
ejif-2832	11	38	the	the	DET
ejif-2832	11	39	islamic	islamic	ADJ
ejif-2832	11	40	values	value	NOUN
ejif-2832	11	41	.	.	PUNCT
ejif-2832	12	1	over	over	ADP
ejif-2832	12	2	time	time	NOUN
ejif-2832	12	3	,	,	PUNCT
ejif-2832	12	4	this	this	DET
ejif-2832	12	5	tool	tool	NOUN
ejif-2832	12	6	has	have	AUX
ejif-2832	12	7	become	become	VERB
ejif-2832	12	8	undoubtedly	undoubtedly	ADV
ejif-2832	12	9	very	very	ADV
ejif-2832	12	10	effective	effective	ADJ
ejif-2832	12	11	in	in	ADP
ejif-2832	12	12	securing	secure	VERB
ejif-2832	12	13	sustainable	sustainable	ADJ
ejif-2832	12	14	financing	financing	NOUN
ejif-2832	12	15	supporting	support	VERB
ejif-2832	12	16	the	the	DET
ejif-2832	12	17	expanding	expand	VERB
ejif-2832	12	18	needs	need	NOUN
ejif-2832	12	19	for	for	ADP
ejif-2832	12	20	impact	impact	NOUN
ejif-2832	12	21	investment	investment	NOUN
ejif-2832	13	1	[	[	X
ejif-2832	13	2	1	1	NUM
ejif-2832	13	3	]	]	PUNCT
ejif-2832	13	4	.	.	PUNCT
ejif-2832	14	1	the	the	DET
ejif-2832	14	2	“	"	PUNCT
ejif-2832	14	3	unbankables	unbankable	NOUN
ejif-2832	14	4	”	"	PUNCT
ejif-2832	14	5	require	require	VERB
ejif-2832	14	6	small	small	ADJ
ejif-2832	14	7	amount	amount	NOUN
ejif-2832	14	8	of	of	ADP
ejif-2832	14	9	financial	financial	ADJ
ejif-2832	14	10	support	support	NOUN
ejif-2832	14	11	over	over	ADP
ejif-2832	14	12	a	a	DET
ejif-2832	14	13	period	period	NOUN
ejif-2832	14	14	of	of	ADP
ejif-2832	14	15	time	time	NOUN
ejif-2832	14	16	so	so	SCONJ
ejif-2832	14	17	that	that	SCONJ
ejif-2832	14	18	they	they	PRON
ejif-2832	14	19	can	can	AUX
ejif-2832	14	20	eventually	eventually	ADV
ejif-2832	14	21	break	break	VERB
ejif-2832	14	22	away	away	ADV
ejif-2832	14	23	from	from	ADP
ejif-2832	14	24	the	the	DET
ejif-2832	14	25	poverty	poverty	NOUN
ejif-2832	14	26	chain	chain	NOUN
ejif-2832	14	27	.	.	PUNCT
ejif-2832	15	1	the	the	DET
ejif-2832	15	2	nature	nature	NOUN
ejif-2832	15	3	of	of	ADP
ejif-2832	15	4	imfis	imfis	NOUN
ejif-2832	15	5	certainly	certainly	ADV
ejif-2832	15	6	fit	fit	ADJ
ejif-2832	15	7	into	into	ADP
ejif-2832	15	8	the	the	DET
ejif-2832	15	9	financial	financial	ADJ
ejif-2832	15	10	requirements	requirement	NOUN
ejif-2832	15	11	of	of	ADP
ejif-2832	15	12	this	this	DET
ejif-2832	15	13	group	group	NOUN
ejif-2832	15	14	of	of	ADP
ejif-2832	15	15	people	people	NOUN
ejif-2832	15	16	as	as	ADP
ejif-2832	15	17	specific	specific	ADJ
ejif-2832	15	18	financial	financial	ADJ
ejif-2832	15	19	assistance	assistance	NOUN
ejif-2832	15	20	can	can	AUX
ejif-2832	15	21	be	be	AUX
ejif-2832	15	22	structured	structure	VERB
ejif-2832	15	23	with	with	ADP
ejif-2832	15	24	back	back	NOUN
ejif-2832	15	25	-	-	PUNCT
ejif-2832	15	26	up	up	ADP
ejif-2832	15	27	trainings	training	NOUN
ejif-2832	15	28	,	,	PUNCT
ejif-2832	15	29	follow	follow	NOUN
ejif-2832	15	30	-	-	PUNCT
ejif-2832	15	31	ups	up	NOUN
ejif-2832	15	32	and	and	CCONJ
ejif-2832	15	33	consultations	consultation	NOUN
ejif-2832	15	34	.	.	PUNCT
ejif-2832	16	1	different	different	ADJ
ejif-2832	16	2	countries	country	NOUN
ejif-2832	16	3	have	have	VERB
ejif-2832	16	4	different	different	ADJ
ejif-2832	16	5	social	social	ADJ
ejif-2832	16	6	structures	structure	NOUN
ejif-2832	16	7	and	and	CCONJ
ejif-2832	16	8	financial	financial	ADJ
ejif-2832	16	9	gaps	gap	NOUN
ejif-2832	16	10	among	among	ADP
ejif-2832	16	11	the	the	DET
ejif-2832	16	12	citizens	citizen	NOUN
ejif-2832	16	13	.	.	PUNCT
ejif-2832	17	1	depending	depend	VERB
ejif-2832	17	2	solely	solely	ADV
ejif-2832	17	3	on	on	ADP
ejif-2832	17	4	the	the	DET
ejif-2832	17	5	government	government	NOUN
ejif-2832	17	6	via	via	ADP
ejif-2832	17	7	public	public	ADJ
ejif-2832	17	8	spending	spending	NOUN
ejif-2832	17	9	to	to	PART
ejif-2832	17	10	boost	boost	VERB
ejif-2832	17	11	income	income	NOUN
ejif-2832	17	12	is	be	AUX
ejif-2832	17	13	not	not	PART
ejif-2832	17	14	always	always	ADV
ejif-2832	17	15	the	the	DET
ejif-2832	17	16	only	only	ADJ
ejif-2832	17	17	successful	successful	ADJ
ejif-2832	17	18	remedy	remedy	NOUN
ejif-2832	17	19	.	.	PUNCT
ejif-2832	18	1	therefore	therefore	ADV
ejif-2832	18	2	,	,	PUNCT
ejif-2832	18	3	tapping	tap	VERB
ejif-2832	18	4	into	into	ADP
ejif-2832	18	5	islamic	islamic	ADJ
ejif-2832	18	6	social	social	ADJ
ejif-2832	18	7	finance	finance	NOUN
ejif-2832	18	8	such	such	ADJ
ejif-2832	18	9	as	as	ADP
ejif-2832	18	10	zakat	zakat	NOUN
ejif-2832	18	11	and	and	CCONJ
ejif-2832	18	12	donations	donation	NOUN
ejif-2832	18	13	is	be	AUX
ejif-2832	18	14	the	the	DET
ejif-2832	18	15	alternative	alternative	NOUN
ejif-2832	18	16	that	that	PRON
ejif-2832	18	17	should	should	AUX
ejif-2832	18	18	be	be	AUX
ejif-2832	18	19	selected	select	VERB
ejif-2832	18	20	to	to	PART
ejif-2832	18	21	combat	combat	VERB
ejif-2832	18	22	poverty	poverty	NOUN
ejif-2832	18	23	.	.	PUNCT
ejif-2832	19	1	socially	socially	ADV
ejif-2832	19	2	-	-	PUNCT
ejif-2832	19	3	related	relate	VERB
ejif-2832	19	4	problems	problem	NOUN
ejif-2832	19	5	due	due	ADJ
ejif-2832	19	6	to	to	ADP
ejif-2832	19	7	increased	increase	VERB
ejif-2832	19	8	level	level	NOUN
ejif-2832	19	9	of	of	ADP
ejif-2832	19	10	poverty	poverty	NOUN
ejif-2832	19	11	can	can	AUX
ejif-2832	19	12	possibly	possibly	ADV
ejif-2832	19	13	be	be	AUX
ejif-2832	19	14	addressed	address	VERB
ejif-2832	19	15	by	by	ADP
ejif-2832	19	16	enterprises	enterprise	NOUN
ejif-2832	19	17	that	that	PRON
ejif-2832	19	18	focus	focus	VERB
ejif-2832	19	19	on	on	ADP
ejif-2832	19	20	dual	dual	ADJ
ejif-2832	19	21	objectives	objective	NOUN
ejif-2832	19	22	of	of	ADP
ejif-2832	19	23	generating	generate	VERB
ejif-2832	19	24	social	social	ADJ
ejif-2832	19	25	impact	impact	NOUN
ejif-2832	19	26	and	and	CCONJ
ejif-2832	19	27	financial	financial	ADJ
ejif-2832	19	28	benefits	benefit	NOUN
ejif-2832	19	29	[	[	X
ejif-2832	19	30	2	2	NUM
ejif-2832	19	31	]	]	PUNCT
ejif-2832	19	32	.	.	PUNCT
ejif-2832	20	1	developing	develop	VERB
ejif-2832	20	2	countries	country	NOUN
ejif-2832	20	3	such	such	ADJ
ejif-2832	20	4	as	as	ADP
ejif-2832	20	5	malaysia	malaysia	PROPN
ejif-2832	20	6	and	and	CCONJ
ejif-2832	20	7	indonesia	indonesia	PROPN
ejif-2832	20	8	that	that	PRON
ejif-2832	20	9	continuously	continuously	ADV
ejif-2832	20	10	strive	strive	VERB
ejif-2832	20	11	to	to	PART
ejif-2832	20	12	improve	improve	VERB
ejif-2832	20	13	the	the	DET
ejif-2832	20	14	socio	socio	NOUN
ejif-2832	20	15	-	-	PUNCT
ejif-2832	20	16	economic	economic	ADJ
ejif-2832	20	17	status	status	NOUN
ejif-2832	20	18	of	of	ADP
ejif-2832	20	19	the	the	DET
ejif-2832	20	20	less	less	ADV
ejif-2832	20	21	fortunate	fortunate	ADJ
ejif-2832	20	22	have	have	AUX
ejif-2832	20	23	creatively	creatively	ADV
ejif-2832	20	24	invented	invent	VERB
ejif-2832	20	25	financial	financial	ADJ
ejif-2832	20	26	institutions	institution	NOUN
ejif-2832	20	27	to	to	PART
ejif-2832	20	28	cater	cater	VERB
ejif-2832	20	29	for	for	ADP
ejif-2832	20	30	the	the	DET
ejif-2832	20	31	issues	issue	NOUN
ejif-2832	20	32	.	.	PUNCT
ejif-2832	21	1	it	it	PRON
ejif-2832	21	2	is	be	AUX
ejif-2832	21	3	worth	worth	ADJ
ejif-2832	21	4	looking	look	VERB
ejif-2832	21	5	into	into	ADP
ejif-2832	21	6	the	the	DET
ejif-2832	21	7	two	two	NUM
ejif-2832	21	8	institutions	institution	NOUN
ejif-2832	21	9	to	to	PART
ejif-2832	21	10	learn	learn	VERB
ejif-2832	21	11	the	the	DET
ejif-2832	21	12	good	good	ADJ
ejif-2832	21	13	aspects	aspect	NOUN
ejif-2832	21	14	that	that	PRON
ejif-2832	21	15	can	can	AUX
ejif-2832	21	16	be	be	AUX
ejif-2832	21	17	replicated	replicate	VERB
ejif-2832	21	18	and	and	CCONJ
ejif-2832	21	19	refined	refine	VERB
ejif-2832	21	20	.	.	PUNCT
ejif-2832	22	1	in	in	ADP
ejif-2832	22	2	malaysia	malaysia	PROPN
ejif-2832	22	3	,	,	PUNCT
ejif-2832	22	4	amanah	amanah	PROPN
ejif-2832	22	5	ikhtiar	ikhtiar	VERB
ejif-2832	22	6	malaysia	malaysia	PROPN
ejif-2832	22	7	(	(	PUNCT
ejif-2832	22	8	aim	aim	PROPN
ejif-2832	22	9	)	)	PUNCT
ejif-2832	22	10	is	be	AUX
ejif-2832	22	11	the	the	DET
ejif-2832	22	12	largest	large	ADJ
ejif-2832	22	13	microfinance	microfinance	NOUN
ejif-2832	22	14	institution	institution	NOUN
ejif-2832	22	15	established	establish	VERB
ejif-2832	22	16	in	in	ADP
ejif-2832	22	17	1987	1987	NUM
ejif-2832	22	18	offering	offer	VERB
ejif-2832	22	19	various	various	ADJ
ejif-2832	22	20	micro	micro	ADJ
ejif-2832	22	21	financial	financial	ADJ
ejif-2832	22	22	services	service	NOUN
ejif-2832	22	23	.	.	PUNCT
ejif-2832	23	1	reflecting	reflect	VERB
ejif-2832	23	2	its	its	PRON
ejif-2832	23	3	commitment	commitment	NOUN
ejif-2832	23	4	and	and	CCONJ
ejif-2832	23	5	excellence	excellence	NOUN
ejif-2832	23	6	in	in	ADP
ejif-2832	23	7	the	the	DET
ejif-2832	23	8	effort	effort	NOUN
ejif-2832	23	9	of	of	ADP
ejif-2832	23	10	alleviating	alleviate	VERB
ejif-2832	23	11	poverty	poverty	NOUN
ejif-2832	23	12	,	,	PUNCT
ejif-2832	23	13	aim	aim	NOUN
ejif-2832	23	14	received	receive	VERB
ejif-2832	23	15	“	"	PUNCT
ejif-2832	23	16	best	best	ADJ
ejif-2832	23	17	microfinance	microfinance	NOUN
ejif-2832	23	18	institution	institution	NOUN
ejif-2832	23	19	award	award	NOUN
ejif-2832	23	20	”	"	PUNCT
ejif-2832	23	21	from	from	ADP
ejif-2832	23	22	global	global	ADJ
ejif-2832	23	23	islamic	islamic	PROPN
ejif-2832	23	24	finance	finance	PROPN
ejif-2832	23	25	awards	award	NOUN
ejif-2832	23	26	for	for	ADP
ejif-2832	23	27	four	four	NUM
ejif-2832	23	28	consecutive	consecutive	ADJ
ejif-2832	23	29	years	year	NOUN
ejif-2832	23	30	from	from	ADP
ejif-2832	23	31	2013	2013	NUM
ejif-2832	23	32	to	to	ADP
ejif-2832	23	33	2016	2016	NUM
ejif-2832	23	34	.	.	PUNCT
ejif-2832	24	1	this	this	DET
ejif-2832	24	2	institution	institution	NOUN
ejif-2832	24	3	has	have	AUX
ejif-2832	24	4	been	be	AUX
ejif-2832	24	5	mandated	mandate	VERB
ejif-2832	24	6	to	to	PART
ejif-2832	24	7	alleviate	alleviate	VERB
ejif-2832	24	8	poverty	poverty	NOUN
ejif-2832	24	9	and	and	CCONJ
ejif-2832	24	10	increase	increase	VERB
ejif-2832	24	11	the	the	DET
ejif-2832	24	12	household	household	NOUN
ejif-2832	24	13	income	income	NOUN
ejif-2832	24	14	under	under	ADP
ejif-2832	24	15	the	the	DET
ejif-2832	24	16	malaysian	malaysian	ADJ
ejif-2832	24	17	economic	economic	ADJ
ejif-2832	24	18	transformation	transformation	NOUN
ejif-2832	24	19	plan	plan	NOUN
ejif-2832	24	20	.	.	PUNCT
ejif-2832	25	1	meanwhile	meanwhile	ADV
ejif-2832	25	2	in	in	ADP
ejif-2832	25	3	indonesia	indonesia	PROPN
ejif-2832	25	4	,	,	PUNCT
ejif-2832	25	5	baitul	baitul	NOUN
ejif-2832	25	6	maal	maal	NOUN
ejif-2832	25	7	wat	wat	AUX
ejif-2832	25	8	tamwil	tamwil	VERB
ejif-2832	25	9	(	(	PUNCT
ejif-2832	25	10	bmt	bmt	PROPN
ejif-2832	25	11	)	)	PUNCT
ejif-2832	25	12	is	be	AUX
ejif-2832	25	13	one	one	NUM
ejif-2832	25	14	of	of	ADP
ejif-2832	25	15	the	the	DET
ejif-2832	25	16	successful	successful	ADJ
ejif-2832	25	17	imfis	imfis	NOUN
ejif-2832	25	18	that	that	PRON
ejif-2832	25	19	has	have	AUX
ejif-2832	25	20	grown	grow	VERB
ejif-2832	25	21	significantly	significantly	ADV
ejif-2832	25	22	in	in	ADP
ejif-2832	25	23	numbers	number	NOUN
ejif-2832	25	24	for	for	ADP
ejif-2832	25	25	the	the	DET
ejif-2832	25	26	past	past	ADJ
ejif-2832	25	27	twenty	twenty	NUM
ejif-2832	25	28	years	year	NOUN
ejif-2832	25	29	and	and	CCONJ
ejif-2832	25	30	improved	improve	VERB
ejif-2832	25	31	the	the	DET
ejif-2832	25	32	lives	life	NOUN
ejif-2832	25	33	of	of	ADP
ejif-2832	25	34	thousands	thousand	NOUN
ejif-2832	25	35	of	of	ADP
ejif-2832	25	36	poor	poor	ADJ
ejif-2832	25	37	people	people	NOUN
ejif-2832	25	38	in	in	ADP
ejif-2832	25	39	indonesia	indonesia	PROPN
ejif-2832	25	40	.	.	PUNCT
ejif-2832	26	1	despite	despite	SCONJ
ejif-2832	26	2	the	the	DET
ejif-2832	26	3	success	success	NOUN
ejif-2832	26	4	story	story	NOUN
ejif-2832	26	5	,	,	PUNCT
ejif-2832	26	6	these	these	DET
ejif-2832	26	7	two	two	NUM
ejif-2832	26	8	imfis	imfis	ADJ
ejif-2832	26	9	face	face	VERB
ejif-2832	26	10	different	different	ADJ
ejif-2832	26	11	internal	internal	ADJ
ejif-2832	26	12	and	and	CCONJ
ejif-2832	26	13	external	external	ADJ
ejif-2832	26	14	issues	issue	NOUN
ejif-2832	26	15	in	in	ADP
ejif-2832	26	16	their	their	PRON
ejif-2832	26	17	operations	operation	NOUN
ejif-2832	26	18	.	.	PUNCT
ejif-2832	27	1	while	while	SCONJ
ejif-2832	27	2	aim	aim	NOUN
ejif-2832	27	3	is	be	AUX
ejif-2832	27	4	established	establish	VERB
ejif-2832	27	5	as	as	ADP
ejif-2832	27	6	a	a	DET
ejif-2832	27	7	non	non	ADJ
ejif-2832	27	8	-	-	ADJ
ejif-2832	27	9	governmental	governmental	ADJ
ejif-2832	27	10	organisation	organisation	NOUN
ejif-2832	27	11	(	(	PUNCT
ejif-2832	27	12	ngo	ngo	PROPN
ejif-2832	27	13	)	)	PUNCT
ejif-2832	27	14	receiving	receive	VERB
ejif-2832	27	15	grant	grant	NOUN
ejif-2832	27	16	from	from	ADP
ejif-2832	27	17	the	the	DET
ejif-2832	27	18	government	government	NOUN
ejif-2832	27	19	,	,	PUNCT
ejif-2832	27	20	bmt	bmt	PROPN
ejif-2832	27	21	is	be	AUX
ejif-2832	27	22	established	establish	VERB
ejif-2832	27	23	as	as	ADP
ejif-2832	27	24	a	a	DET
ejif-2832	27	25	cooperative	cooperative	NOUN
ejif-2832	27	26	and	and	CCONJ
ejif-2832	27	27	being	be	AUX
ejif-2832	27	28	more	more	ADV
ejif-2832	27	29	independent	independent	ADJ
ejif-2832	27	30	in	in	ADP
ejif-2832	27	31	terms	term	NOUN
ejif-2832	27	32	of	of	ADP
ejif-2832	27	33	sources	source	NOUN
ejif-2832	27	34	of	of	ADP
ejif-2832	27	35	funds	fund	NOUN
ejif-2832	27	36	.	.	PUNCT
ejif-2832	28	1	being	be	AUX
ejif-2832	28	2	a	a	DET
ejif-2832	28	3	private	private	ADJ
ejif-2832	28	4	trust	trust	NOUN
ejif-2832	28	5	body	body	NOUN
ejif-2832	28	6	mandated	mandate	VERB
ejif-2832	28	7	to	to	PART
ejif-2832	28	8	reduce	reduce	VERB
ejif-2832	28	9	poverty	poverty	NOUN
ejif-2832	28	10	,	,	PUNCT
ejif-2832	28	11	aim	aim	NOUN
ejif-2832	28	12	has	have	VERB
ejif-2832	28	13	a	a	DET
ejif-2832	28	14	clearer	clear	ADJ
ejif-2832	28	15	governance	governance	NOUN
ejif-2832	28	16	structure	structure	NOUN
ejif-2832	28	17	,	,	PUNCT
ejif-2832	28	18	thus	thus	ADV
ejif-2832	28	19	has	have	VERB
ejif-2832	28	20	a	a	DET
ejif-2832	28	21	more	more	ADV
ejif-2832	28	22	stable	stable	ADJ
ejif-2832	28	23	source	source	NOUN
ejif-2832	28	24	of	of	ADP
ejif-2832	28	25	funds	fund	NOUN
ejif-2832	28	26	compared	compare	VERB
ejif-2832	28	27	to	to	PART
ejif-2832	28	28	bmt	bmt	VERB
ejif-2832	28	29	.	.	PUNCT
ejif-2832	29	1	consequently	consequently	ADV
ejif-2832	29	2	,	,	PUNCT
ejif-2832	29	3	a	a	DET
ejif-2832	29	4	number	number	NOUN
ejif-2832	29	5	of	of	ADP
ejif-2832	29	6	n.	n.	NOUN
ejif-2832	29	7	satar	satar	NOUN
ejif-2832	29	8	and	and	CCONJ
ejif-2832	30	1	dr	dr	PROPN
ejif-2832	30	2	.	.	PROPN
ejif-2832	30	3	s.	s.	PROPN
ejif-2832	30	4	kassim	kassim	PROPN
ejif-2832	31	1	ejif	ejif	PROPN
ejif-2832	31	2	–	–	PUNCT
ejif-2832	31	3	european	european	PROPN
ejif-2832	31	4	journal	journal	PROPN
ejif-2832	31	5	of	of	ADP
ejif-2832	31	6	islamic	islamic	PROPN
ejif-2832	31	7	finance	finance	PROPN
ejif-2832	31	8	no15	no15	PROPN
ejif-2832	31	9	,	,	PUNCT
ejif-2832	31	10	august	august	PROPN
ejif-2832	31	11	(	(	PUNCT
ejif-2832	31	12	2020	2020	NUM
ejif-2832	31	13	)	)	PUNCT
ejif-2832	32	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	32	2	issn	issn	VERB
ejif-2832	32	3	2421	2421	NUM
ejif-2832	32	4	-	-	SYM
ejif-2832	32	5	2172	2172	NUM
ejif-2832	32	6	2	2	NUM
ejif-2832	32	7	bmts	bmt	NOUN
ejif-2832	32	8	have	have	AUX
ejif-2832	32	9	been	be	AUX
ejif-2832	32	10	shut	shut	VERB
ejif-2832	32	11	-	-	PUNCT
ejif-2832	32	12	down	down	NOUN
ejif-2832	32	13	due	due	ADJ
ejif-2832	32	14	to	to	ADP
ejif-2832	32	15	financial	financial	ADJ
ejif-2832	32	16	problems	problem	NOUN
ejif-2832	32	17	.	.	PUNCT
ejif-2832	33	1	in	in	ADP
ejif-2832	33	2	view	view	NOUN
ejif-2832	33	3	of	of	ADP
ejif-2832	33	4	the	the	DET
ejif-2832	33	5	different	different	ADJ
ejif-2832	33	6	models	model	NOUN
ejif-2832	33	7	,	,	PUNCT
ejif-2832	33	8	if	if	SCONJ
ejif-2832	33	9	these	these	DET
ejif-2832	33	10	two	two	NUM
ejif-2832	33	11	microfinance	microfinance	NOUN
ejif-2832	33	12	institutions	institution	NOUN
ejif-2832	33	13	were	be	AUX
ejif-2832	33	14	to	to	PART
ejif-2832	33	15	be	be	AUX
ejif-2832	33	16	scrutinised	scrutinise	VERB
ejif-2832	33	17	,	,	PUNCT
ejif-2832	33	18	there	there	PRON
ejif-2832	33	19	are	be	VERB
ejif-2832	33	20	issues	issue	NOUN
ejif-2832	33	21	that	that	PRON
ejif-2832	33	22	are	be	AUX
ejif-2832	33	23	unique	unique	ADJ
ejif-2832	33	24	as	as	ADV
ejif-2832	33	25	well	well	ADV
ejif-2832	33	26	as	as	ADP
ejif-2832	33	27	common	common	ADJ
ejif-2832	33	28	to	to	ADP
ejif-2832	33	29	both	both	PRON
ejif-2832	33	30	.	.	PUNCT
ejif-2832	34	1	this	this	DET
ejif-2832	34	2	study	study	NOUN
ejif-2832	34	3	aims	aim	VERB
ejif-2832	34	4	to	to	PART
ejif-2832	34	5	highlight	highlight	VERB
ejif-2832	34	6	the	the	DET
ejif-2832	34	7	issues	issue	NOUN
ejif-2832	34	8	faced	face	VERB
ejif-2832	34	9	by	by	ADP
ejif-2832	34	10	aim	aim	NOUN
ejif-2832	34	11	and	and	CCONJ
ejif-2832	34	12	bmt	bmt	VERB
ejif-2832	34	13	and	and	CCONJ
ejif-2832	34	14	discuss	discuss	VERB
ejif-2832	34	15	how	how	SCONJ
ejif-2832	34	16	the	the	DET
ejif-2832	34	17	issues	issue	NOUN
ejif-2832	34	18	can	can	AUX
ejif-2832	34	19	be	be	AUX
ejif-2832	34	20	tackled	tackle	VERB
ejif-2832	34	21	by	by	ADP
ejif-2832	34	22	complementing	complement	VERB
ejif-2832	34	23	the	the	DET
ejif-2832	34	24	best	good	ADJ
ejif-2832	34	25	practices	practice	NOUN
ejif-2832	34	26	of	of	ADP
ejif-2832	34	27	each	each	DET
ejif-2832	34	28	imfi	imfi	NOUN
ejif-2832	34	29	.	.	PUNCT
ejif-2832	35	1	in	in	ADP
ejif-2832	35	2	comparing	compare	VERB
ejif-2832	35	3	the	the	DET
ejif-2832	35	4	issues	issue	NOUN
ejif-2832	35	5	and	and	CCONJ
ejif-2832	35	6	challenges	challenge	NOUN
ejif-2832	35	7	facing	face	VERB
ejif-2832	35	8	aim	aim	NOUN
ejif-2832	35	9	and	and	CCONJ
ejif-2832	35	10	bmt	bmt	VERB
ejif-2832	35	11	,	,	PUNCT
ejif-2832	35	12	greater	great	ADJ
ejif-2832	35	13	emphasis	emphasis	NOUN
ejif-2832	35	14	is	be	AUX
ejif-2832	35	15	given	give	VERB
ejif-2832	35	16	to	to	ADP
ejif-2832	35	17	aspects	aspect	NOUN
ejif-2832	35	18	that	that	PRON
ejif-2832	35	19	could	could	AUX
ejif-2832	35	20	possibly	possibly	ADV
ejif-2832	35	21	jeopardize	jeopardize	VERB
ejif-2832	35	22	the	the	DET
ejif-2832	35	23	smooth	smooth	ADJ
ejif-2832	35	24	running	running	NOUN
ejif-2832	35	25	of	of	ADP
ejif-2832	35	26	their	their	PRON
ejif-2832	35	27	operations	operation	NOUN
ejif-2832	35	28	as	as	ADV
ejif-2832	35	29	well	well	ADV
ejif-2832	35	30	as	as	ADP
ejif-2832	35	31	the	the	DET
ejif-2832	35	32	long	long	ADJ
ejif-2832	35	33	-	-	PUNCT
ejif-2832	35	34	term	term	NOUN
ejif-2832	35	35	survival	survival	NOUN
ejif-2832	35	36	of	of	ADP
ejif-2832	35	37	the	the	DET
ejif-2832	35	38	institutions	institution	NOUN
ejif-2832	35	39	.	.	PUNCT
ejif-2832	36	1	in	in	ADP
ejif-2832	36	2	this	this	DET
ejif-2832	36	3	study	study	NOUN
ejif-2832	36	4	,	,	PUNCT
ejif-2832	36	5	qualitative	qualitative	ADJ
ejif-2832	36	6	comparative	comparative	ADJ
ejif-2832	36	7	analysis	analysis	NOUN
ejif-2832	36	8	method	method	NOUN
ejif-2832	36	9	is	be	AUX
ejif-2832	36	10	used	use	VERB
ejif-2832	36	11	with	with	ADP
ejif-2832	36	12	extensive	extensive	ADJ
ejif-2832	36	13	article	article	NOUN
ejif-2832	36	14	reviews	review	NOUN
ejif-2832	36	15	.	.	PUNCT
ejif-2832	37	1	aim	aim	VERB
ejif-2832	37	2	and	and	CCONJ
ejif-2832	37	3	bmt	bmt	NOUN
ejif-2832	37	4	are	be	AUX
ejif-2832	37	5	chosen	choose	VERB
ejif-2832	37	6	because	because	SCONJ
ejif-2832	37	7	these	these	DET
ejif-2832	37	8	two	two	NUM
ejif-2832	37	9	institutions	institution	NOUN
ejif-2832	37	10	are	be	AUX
ejif-2832	37	11	the	the	DET
ejif-2832	37	12	leading	lead	VERB
ejif-2832	37	13	examples	example	NOUN
ejif-2832	37	14	of	of	ADP
ejif-2832	37	15	the	the	DET
ejif-2832	37	16	imfis	imfis	NOUN
ejif-2832	37	17	in	in	ADP
ejif-2832	37	18	the	the	DET
ejif-2832	37	19	world	world	NOUN
ejif-2832	37	20	and	and	CCONJ
ejif-2832	37	21	therefore	therefore	ADV
ejif-2832	37	22	,	,	PUNCT
ejif-2832	37	23	the	the	DET
ejif-2832	37	24	issues	issue	NOUN
ejif-2832	37	25	that	that	PRON
ejif-2832	37	26	they	they	PRON
ejif-2832	37	27	are	be	AUX
ejif-2832	37	28	facing	face	VERB
ejif-2832	37	29	are	be	AUX
ejif-2832	37	30	of	of	ADP
ejif-2832	37	31	important	important	ADJ
ejif-2832	37	32	interest	interest	NOUN
ejif-2832	37	33	to	to	PART
ejif-2832	37	34	be	be	AUX
ejif-2832	37	35	shared	share	VERB
ejif-2832	37	36	so	so	SCONJ
ejif-2832	37	37	that	that	SCONJ
ejif-2832	37	38	relevant	relevant	ADJ
ejif-2832	37	39	stakeholders	stakeholder	NOUN
ejif-2832	37	40	are	be	AUX
ejif-2832	37	41	equipped	equip	VERB
ejif-2832	37	42	with	with	ADP
ejif-2832	37	43	important	important	ADJ
ejif-2832	37	44	input	input	NOUN
ejif-2832	37	45	to	to	PART
ejif-2832	37	46	make	make	VERB
ejif-2832	37	47	further	further	ADJ
ejif-2832	37	48	improvement	improvement	NOUN
ejif-2832	37	49	in	in	ADP
ejif-2832	37	50	the	the	DET
ejif-2832	37	51	future	future	NOUN
ejif-2832	37	52	.	.	PUNCT
ejif-2832	38	1	ii	ii	PROPN
ejif-2832	38	2	.	.	PUNCT
ejif-2832	39	1	a	a	DET
ejif-2832	39	2	review	review	NOUN
ejif-2832	39	3	of	of	ADP
ejif-2832	39	4	issues	issue	NOUN
ejif-2832	39	5	faced	face	VERB
ejif-2832	39	6	by	by	ADP
ejif-2832	39	7	islamic	islamic	ADJ
ejif-2832	39	8	microfinance	microfinance	NOUN
ejif-2832	39	9	institutions	institution	NOUN
ejif-2832	39	10	the	the	DET
ejif-2832	39	11	noble	noble	ADJ
ejif-2832	39	12	intention	intention	NOUN
ejif-2832	39	13	of	of	ADP
ejif-2832	39	14	microfinance	microfinance	NOUN
ejif-2832	39	15	in	in	ADP
ejif-2832	39	16	improving	improve	VERB
ejif-2832	39	17	the	the	DET
ejif-2832	39	18	economic	economic	ADJ
ejif-2832	39	19	status	status	NOUN
ejif-2832	39	20	of	of	ADP
ejif-2832	39	21	the	the	DET
ejif-2832	39	22	unfortunate	unfortunate	ADJ
ejif-2832	39	23	segment	segment	NOUN
ejif-2832	39	24	of	of	ADP
ejif-2832	39	25	the	the	DET
ejif-2832	39	26	society	society	NOUN
ejif-2832	39	27	needs	need	VERB
ejif-2832	39	28	no	no	DET
ejif-2832	39	29	further	further	ADJ
ejif-2832	39	30	introduction	introduction	NOUN
ejif-2832	39	31	.	.	PUNCT
ejif-2832	40	1	different	different	ADJ
ejif-2832	40	2	microfinance	microfinance	NOUN
ejif-2832	40	3	institutions	institution	NOUN
ejif-2832	40	4	with	with	ADP
ejif-2832	40	5	different	different	ADJ
ejif-2832	40	6	operating	operating	NOUN
ejif-2832	40	7	models	model	NOUN
ejif-2832	40	8	and	and	CCONJ
ejif-2832	40	9	locations	location	NOUN
ejif-2832	40	10	would	would	AUX
ejif-2832	40	11	naturally	naturally	ADV
ejif-2832	40	12	face	face	VERB
ejif-2832	40	13	different	different	ADJ
ejif-2832	40	14	issues	issue	NOUN
ejif-2832	40	15	.	.	PUNCT
ejif-2832	41	1	in	in	ADP
ejif-2832	41	2	the	the	DET
ejif-2832	41	3	context	context	NOUN
ejif-2832	41	4	of	of	ADP
ejif-2832	41	5	aim	aim	NOUN
ejif-2832	41	6	and	and	CCONJ
ejif-2832	41	7	bmt	bmt	VERB
ejif-2832	41	8	,	,	PUNCT
ejif-2832	41	9	despite	despite	SCONJ
ejif-2832	41	10	their	their	PRON
ejif-2832	41	11	achievements	achievement	NOUN
ejif-2832	41	12	in	in	ADP
ejif-2832	41	13	combating	combat	VERB
ejif-2832	41	14	poverty	poverty	NOUN
ejif-2832	41	15	,	,	PUNCT
ejif-2832	41	16	there	there	PRON
ejif-2832	41	17	are	be	VERB
ejif-2832	41	18	still	still	ADV
ejif-2832	41	19	some	some	DET
ejif-2832	41	20	issues	issue	NOUN
ejif-2832	41	21	and	and	CCONJ
ejif-2832	41	22	challenges	challenge	NOUN
ejif-2832	41	23	they	they	PRON
ejif-2832	41	24	face	face	VERB
ejif-2832	41	25	in	in	ADP
ejif-2832	41	26	providing	provide	VERB
ejif-2832	41	27	financial	financial	ADJ
ejif-2832	41	28	access	access	NOUN
ejif-2832	41	29	to	to	ADP
ejif-2832	41	30	the	the	DET
ejif-2832	41	31	poor	poor	ADJ
ejif-2832	41	32	.	.	PUNCT
ejif-2832	42	1	this	this	DET
ejif-2832	42	2	section	section	NOUN
ejif-2832	42	3	discusses	discuss	VERB
ejif-2832	42	4	the	the	DET
ejif-2832	42	5	issues	issue	NOUN
ejif-2832	42	6	and	and	CCONJ
ejif-2832	42	7	challenges	challenge	NOUN
ejif-2832	42	8	faced	face	VERB
ejif-2832	42	9	by	by	ADP
ejif-2832	42	10	aim	aim	NOUN
ejif-2832	42	11	and	and	CCONJ
ejif-2832	42	12	bmt	bmt	VERB
ejif-2832	42	13	in	in	ADP
ejif-2832	42	14	delivering	deliver	VERB
ejif-2832	42	15	the	the	DET
ejif-2832	42	16	conscience	conscience	NOUN
ejif-2832	42	17	-	-	PUNCT
ejif-2832	42	18	based	base	VERB
ejif-2832	42	19	financing	financing	NOUN
ejif-2832	42	20	services	service	NOUN
ejif-2832	42	21	.	.	PUNCT
ejif-2832	43	1	the	the	DET
ejif-2832	43	2	success	success	NOUN
ejif-2832	43	3	of	of	ADP
ejif-2832	43	4	bmt	bmt	NOUN
ejif-2832	43	5	is	be	AUX
ejif-2832	43	6	dependent	dependent	ADJ
ejif-2832	43	7	on	on	ADP
ejif-2832	43	8	determinants	determinant	NOUN
ejif-2832	43	9	such	such	ADJ
ejif-2832	43	10	as	as	ADP
ejif-2832	43	11	capability	capability	NOUN
ejif-2832	43	12	of	of	ADP
ejif-2832	43	13	financial	financial	ADJ
ejif-2832	43	14	management	management	NOUN
ejif-2832	43	15	,	,	PUNCT
ejif-2832	43	16	characteristics	characteristic	NOUN
ejif-2832	43	17	of	of	ADP
ejif-2832	43	18	clients	client	NOUN
ejif-2832	43	19	,	,	PUNCT
ejif-2832	43	20	capability	capability	NOUN
ejif-2832	43	21	of	of	ADP
ejif-2832	43	22	risk	risk	NOUN
ejif-2832	43	23	management	management	NOUN
ejif-2832	43	24	,	,	PUNCT
ejif-2832	43	25	familiarity	familiarity	NOUN
ejif-2832	43	26	among	among	ADP
ejif-2832	43	27	clients	client	NOUN
ejif-2832	43	28	and	and	CCONJ
ejif-2832	43	29	managerial	managerial	ADJ
ejif-2832	43	30	team	team	NOUN
ejif-2832	43	31	,	,	PUNCT
ejif-2832	43	32	and	and	CCONJ
ejif-2832	43	33	suitability	suitability	NOUN
ejif-2832	43	34	of	of	ADP
ejif-2832	43	35	information	information	NOUN
ejif-2832	43	36	technology	technology	NOUN
ejif-2832	43	37	(	(	PUNCT
ejif-2832	43	38	it	it	PRON
ejif-2832	43	39	)	)	PUNCT
ejif-2832	43	40	and	and	CCONJ
ejif-2832	43	41	network	network	NOUN
ejif-2832	43	42	.	.	PUNCT
ejif-2832	44	1	however	however	ADV
ejif-2832	44	2	,	,	PUNCT
ejif-2832	44	3	due	due	ADP
ejif-2832	44	4	to	to	ADP
ejif-2832	44	5	the	the	DET
ejif-2832	44	6	nature	nature	NOUN
ejif-2832	44	7	of	of	ADP
ejif-2832	44	8	bmt	bmt	NOUN
ejif-2832	44	9	being	be	AUX
ejif-2832	44	10	heterogeneous	heterogeneous	ADJ
ejif-2832	44	11	in	in	ADP
ejif-2832	44	12	its	its	PRON
ejif-2832	44	13	nature	nature	NOUN
ejif-2832	44	14	of	of	ADP
ejif-2832	44	15	operations	operation	NOUN
ejif-2832	44	16	,	,	PUNCT
ejif-2832	44	17	different	different	ADJ
ejif-2832	44	18	locality	locality	NOUN
ejif-2832	44	19	will	will	AUX
ejif-2832	44	20	have	have	VERB
ejif-2832	44	21	different	different	ADJ
ejif-2832	44	22	sets	set	NOUN
ejif-2832	44	23	of	of	ADP
ejif-2832	44	24	determinants	determinant	NOUN
ejif-2832	44	25	[	[	X
ejif-2832	44	26	3	3	NUM
ejif-2832	44	27	]	]	PUNCT
ejif-2832	44	28	.	.	PUNCT
ejif-2832	45	1	this	this	PRON
ejif-2832	45	2	renders	render	VERB
ejif-2832	45	3	the	the	DET
ejif-2832	45	4	determinants	determinant	NOUN
ejif-2832	45	5	to	to	PART
ejif-2832	45	6	be	be	AUX
ejif-2832	45	7	very	very	ADV
ejif-2832	45	8	difficult	difficult	ADJ
ejif-2832	45	9	to	to	PART
ejif-2832	45	10	be	be	AUX
ejif-2832	45	11	generalized	generalize	VERB
ejif-2832	45	12	into	into	ADP
ejif-2832	45	13	standard	standard	ADJ
ejif-2832	45	14	forms	form	NOUN
ejif-2832	45	15	and	and	CCONJ
ejif-2832	45	16	therefore	therefore	ADV
ejif-2832	45	17	,	,	PUNCT
ejif-2832	45	18	assessing	assess	VERB
ejif-2832	45	19	the	the	DET
ejif-2832	45	20	performance	performance	NOUN
ejif-2832	45	21	and	and	CCONJ
ejif-2832	45	22	effectiveness	effectiveness	NOUN
ejif-2832	45	23	for	for	ADP
ejif-2832	45	24	comparisons	comparison	NOUN
ejif-2832	45	25	between	between	ADP
ejif-2832	45	26	different	different	ADJ
ejif-2832	45	27	bmts	bmts	NOUN
ejif-2832	45	28	is	be	AUX
ejif-2832	45	29	difficult	difficult	ADJ
ejif-2832	45	30	.	.	PUNCT
ejif-2832	46	1	in	in	ADP
ejif-2832	46	2	actual	actual	ADJ
ejif-2832	46	3	practice	practice	NOUN
ejif-2832	46	4	,	,	PUNCT
ejif-2832	46	5	each	each	DET
ejif-2832	46	6	bmt	bmt	NOUN
ejif-2832	46	7	is	be	AUX
ejif-2832	46	8	given	give	VERB
ejif-2832	46	9	the	the	DET
ejif-2832	46	10	liberty	liberty	NOUN
ejif-2832	46	11	to	to	PART
ejif-2832	46	12	run	run	VERB
ejif-2832	46	13	the	the	DET
ejif-2832	46	14	institution	institution	NOUN
ejif-2832	46	15	given	give	VERB
ejif-2832	46	16	the	the	DET
ejif-2832	46	17	peculiarities	peculiarity	NOUN
ejif-2832	46	18	brought	bring	VERB
ejif-2832	46	19	before	before	ADP
ejif-2832	46	20	them	they	PRON
ejif-2832	46	21	as	as	ADV
ejif-2832	46	22	well	well	ADV
ejif-2832	46	23	as	as	ADP
ejif-2832	46	24	the	the	DET
ejif-2832	46	25	availability	availability	NOUN
ejif-2832	46	26	of	of	ADP
ejif-2832	46	27	resources	resource	NOUN
ejif-2832	46	28	that	that	PRON
ejif-2832	46	29	they	they	PRON
ejif-2832	46	30	have	have	VERB
ejif-2832	46	31	.	.	PUNCT
ejif-2832	47	1	bmt	bmt	PROPN
ejif-2832	47	2	is	be	AUX
ejif-2832	47	3	able	able	ADJ
ejif-2832	47	4	to	to	PART
ejif-2832	47	5	maintain	maintain	VERB
ejif-2832	47	6	its	its	PRON
ejif-2832	47	7	sustainability	sustainability	NOUN
ejif-2832	47	8	through	through	ADP
ejif-2832	47	9	the	the	DET
ejif-2832	47	10	fund	fund	NOUN
ejif-2832	47	11	received	receive	VERB
ejif-2832	47	12	from	from	ADP
ejif-2832	47	13	the	the	DET
ejif-2832	47	14	social	social	ADJ
ejif-2832	47	15	and	and	CCONJ
ejif-2832	47	16	religious	religious	ADJ
ejif-2832	47	17	collection	collection	NOUN
ejif-2832	47	18	,	,	PUNCT
ejif-2832	47	19	and	and	CCONJ
ejif-2832	47	20	the	the	DET
ejif-2832	47	21	deposit	deposit	NOUN
ejif-2832	47	22	from	from	ADP
ejif-2832	47	23	saving	save	VERB
ejif-2832	47	24	facilities	facility	NOUN
ejif-2832	47	25	offered	offer	VERB
ejif-2832	47	26	by	by	ADP
ejif-2832	47	27	the	the	DET
ejif-2832	47	28	institutions	institution	NOUN
ejif-2832	47	29	[	[	X
ejif-2832	47	30	4	4	NUM
ejif-2832	47	31	]	]	PUNCT
ejif-2832	47	32	.	.	PUNCT
ejif-2832	48	1	however	however	ADV
ejif-2832	48	2	,	,	PUNCT
ejif-2832	48	3	sometimes	sometimes	ADV
ejif-2832	48	4	,	,	PUNCT
ejif-2832	48	5	bmt	bmt	PROPN
ejif-2832	48	6	runs	run	VERB
ejif-2832	48	7	out	out	ADP
ejif-2832	48	8	of	of	ADP
ejif-2832	48	9	their	their	PRON
ejif-2832	48	10	deposit	deposit	NOUN
ejif-2832	48	11	fund	fund	NOUN
ejif-2832	48	12	due	due	ADP
ejif-2832	48	13	to	to	ADP
ejif-2832	48	14	financing	financing	NOUN
ejif-2832	48	15	.	.	PUNCT
ejif-2832	49	1	undoubtedly	undoubtedly	ADV
ejif-2832	49	2	,	,	PUNCT
ejif-2832	49	3	fund	fund	NOUN
ejif-2832	49	4	raising	raising	NOUN
ejif-2832	49	5	is	be	AUX
ejif-2832	49	6	one	one	NUM
ejif-2832	49	7	of	of	ADP
ejif-2832	49	8	the	the	DET
ejif-2832	49	9	core	core	NOUN
ejif-2832	49	10	activities	activity	NOUN
ejif-2832	49	11	as	as	ADP
ejif-2832	49	12	reliance	reliance	NOUN
ejif-2832	49	13	on	on	ADP
ejif-2832	49	14	the	the	DET
ejif-2832	49	15	government	government	NOUN
ejif-2832	49	16	for	for	ADP
ejif-2832	49	17	financial	financial	ADJ
ejif-2832	49	18	allocation	allocation	NOUN
ejif-2832	49	19	is	be	AUX
ejif-2832	49	20	not	not	PART
ejif-2832	49	21	possible	possible	ADJ
ejif-2832	49	22	.	.	PUNCT
ejif-2832	50	1	dependency	dependency	NOUN
ejif-2832	50	2	on	on	ADP
ejif-2832	50	3	social	social	ADJ
ejif-2832	50	4	and	and	CCONJ
ejif-2832	50	5	religious	religious	ADJ
ejif-2832	50	6	collection	collection	NOUN
ejif-2832	50	7	on	on	ADP
ejif-2832	50	8	the	the	DET
ejif-2832	50	9	other	other	ADJ
ejif-2832	50	10	hand	hand	NOUN
ejif-2832	50	11	,	,	PUNCT
ejif-2832	50	12	hinges	hinge	NOUN
ejif-2832	50	13	on	on	ADP
ejif-2832	50	14	the	the	DET
ejif-2832	50	15	responsibility	responsibility	NOUN
ejif-2832	50	16	awareness	awareness	NOUN
ejif-2832	50	17	of	of	ADP
ejif-2832	50	18	the	the	DET
ejif-2832	50	19	surrounding	surround	VERB
ejif-2832	50	20	communities	community	NOUN
ejif-2832	50	21	;	;	PUNCT
ejif-2832	50	22	the	the	DET
ejif-2832	50	23	more	more	ADV
ejif-2832	50	24	charity	charity	NOUN
ejif-2832	50	25	-	-	PUNCT
ejif-2832	50	26	minded	minded	ADJ
ejif-2832	50	27	people	people	NOUN
ejif-2832	50	28	around	around	ADV
ejif-2832	50	29	could	could	AUX
ejif-2832	50	30	mean	mean	VERB
ejif-2832	50	31	more	more	ADJ
ejif-2832	50	32	funds	fund	NOUN
ejif-2832	50	33	coming	come	VERB
ejif-2832	50	34	in	in	ADP
ejif-2832	50	35	for	for	ADP
ejif-2832	50	36	financing	financing	NOUN
ejif-2832	50	37	activities	activity	NOUN
ejif-2832	50	38	.	.	PUNCT
ejif-2832	51	1	to	to	PART
ejif-2832	51	2	achieve	achieve	VERB
ejif-2832	51	3	sustainability	sustainability	NOUN
ejif-2832	51	4	from	from	ADP
ejif-2832	51	5	method	method	NOUN
ejif-2832	51	6	other	other	ADJ
ejif-2832	51	7	than	than	ADP
ejif-2832	51	8	religious	religious	ADJ
ejif-2832	51	9	collection	collection	NOUN
ejif-2832	51	10	,	,	PUNCT
ejif-2832	51	11	cash	cash	NOUN
ejif-2832	51	12	waqaf	waqaf	NOUN
ejif-2832	51	13	system	system	NOUN
ejif-2832	51	14	is	be	AUX
ejif-2832	51	15	an	an	DET
ejif-2832	51	16	ideal	ideal	ADJ
ejif-2832	51	17	option	option	NOUN
ejif-2832	52	1	[	[	X
ejif-2832	52	2	5	5	NUM
ejif-2832	52	3	]	]	PUNCT
ejif-2832	52	4	.	.	PUNCT
ejif-2832	53	1	the	the	DET
ejif-2832	53	2	cash	cash	NOUN
ejif-2832	53	3	from	from	ADP
ejif-2832	53	4	donor	donor	NOUN
ejif-2832	53	5	is	be	AUX
ejif-2832	53	6	channelled	channel	VERB
ejif-2832	53	7	to	to	ADP
ejif-2832	53	8	cash	cash	NOUN
ejif-2832	53	9	waqaf	waqaf	NOUN
ejif-2832	53	10	institution	institution	NOUN
ejif-2832	53	11	before	before	ADP
ejif-2832	53	12	being	be	AUX
ejif-2832	53	13	distributed	distribute	VERB
ejif-2832	53	14	to	to	ADP
ejif-2832	53	15	microentrepreneurs	microentrepreneur	NOUN
ejif-2832	53	16	involved	involve	VERB
ejif-2832	53	17	in	in	ADP
ejif-2832	53	18	a	a	DET
ejif-2832	53	19	musyarakah	musyarakah	PROPN
ejif-2832	53	20	mutanaqisah	mutanaqisah	PROPN
ejif-2832	53	21	partnership	partnership	NOUN
ejif-2832	53	22	.	.	PUNCT
ejif-2832	54	1	a	a	DET
ejif-2832	54	2	slightly	slightly	ADV
ejif-2832	54	3	different	different	ADJ
ejif-2832	54	4	model	model	NOUN
ejif-2832	54	5	of	of	ADP
ejif-2832	54	6	cash	cash	NOUN
ejif-2832	54	7	waqaf	waqaf	NOUN
ejif-2832	54	8	for	for	ADP
ejif-2832	54	9	bmt	bmt	PROPN
ejif-2832	54	10	was	be	AUX
ejif-2832	54	11	suggested	suggest	VERB
ejif-2832	54	12	by	by	ADP
ejif-2832	54	13	ascarya	ascarya	NOUN
ejif-2832	54	14	and	and	CCONJ
ejif-2832	54	15	sukmana	sukmana	ADJ
ejif-2832	55	1	[	[	X
ejif-2832	55	2	6	6	NUM
ejif-2832	55	3	]	]	PUNCT
ejif-2832	55	4	where	where	SCONJ
ejif-2832	55	5	it	it	PRON
ejif-2832	55	6	is	be	AUX
ejif-2832	55	7	suggested	suggest	VERB
ejif-2832	55	8	that	that	SCONJ
ejif-2832	55	9	the	the	DET
ejif-2832	55	10	cash	cash	NOUN
ejif-2832	55	11	waqaf	waqaf	NOUN
ejif-2832	55	12	is	be	AUX
ejif-2832	55	13	managed	manage	VERB
ejif-2832	55	14	by	by	ADP
ejif-2832	55	15	bmt	bmt	NOUN
ejif-2832	55	16	so	so	SCONJ
ejif-2832	55	17	that	that	SCONJ
ejif-2832	55	18	income	income	NOUN
ejif-2832	55	19	generation	generation	NOUN
ejif-2832	55	20	activities	activity	NOUN
ejif-2832	55	21	can	can	AUX
ejif-2832	55	22	be	be	AUX
ejif-2832	55	23	created	create	VERB
ejif-2832	55	24	,	,	PUNCT
ejif-2832	55	25	and	and	CCONJ
ejif-2832	55	26	subsequently	subsequently	ADV
ejif-2832	55	27	more	more	ADV
ejif-2832	55	28	socially	socially	ADV
ejif-2832	55	29	beneficial	beneficial	ADJ
ejif-2832	55	30	programmes	programme	NOUN
ejif-2832	55	31	can	can	AUX
ejif-2832	55	32	be	be	AUX
ejif-2832	55	33	funded	fund	VERB
ejif-2832	55	34	.	.	PUNCT
ejif-2832	56	1	through	through	ADP
ejif-2832	56	2	this	this	DET
ejif-2832	56	3	way	way	NOUN
ejif-2832	56	4	,	,	PUNCT
ejif-2832	56	5	the	the	DET
ejif-2832	56	6	microfinance	microfinance	NOUN
ejif-2832	56	7	institution	institution	NOUN
ejif-2832	56	8	is	be	AUX
ejif-2832	56	9	expected	expect	VERB
ejif-2832	56	10	to	to	PART
ejif-2832	56	11	be	be	AUX
ejif-2832	56	12	more	more	ADV
ejif-2832	56	13	independent	independent	ADJ
ejif-2832	56	14	and	and	CCONJ
ejif-2832	56	15	have	have	VERB
ejif-2832	56	16	more	more	ADJ
ejif-2832	56	17	ownership	ownership	NOUN
ejif-2832	56	18	over	over	ADP
ejif-2832	56	19	their	their	PRON
ejif-2832	56	20	operations	operation	NOUN
ejif-2832	56	21	.	.	PUNCT
ejif-2832	57	1	internal	internal	ADJ
ejif-2832	57	2	factors	factor	NOUN
ejif-2832	57	3	such	such	ADJ
ejif-2832	57	4	as	as	ADP
ejif-2832	57	5	lack	lack	NOUN
ejif-2832	57	6	of	of	ADP
ejif-2832	57	7	capital	capital	NOUN
ejif-2832	57	8	and	and	CCONJ
ejif-2832	57	9	innovation	innovation	NOUN
ejif-2832	57	10	in	in	ADP
ejif-2832	57	11	marketing	marketing	NOUN
ejif-2832	57	12	products	product	NOUN
ejif-2832	57	13	,	,	PUNCT
ejif-2832	57	14	shortage	shortage	NOUN
ejif-2832	57	15	of	of	ADP
ejif-2832	57	16	sources	source	NOUN
ejif-2832	57	17	of	of	ADP
ejif-2832	57	18	funding	funding	NOUN
ejif-2832	57	19	,	,	PUNCT
ejif-2832	57	20	employees	employee	NOUN
ejif-2832	57	21	’	’	PART
ejif-2832	57	22	underperformance	underperformance	NOUN
ejif-2832	57	23	,	,	PUNCT
ejif-2832	57	24	and	and	CCONJ
ejif-2832	57	25	facilities	facility	NOUN
ejif-2832	57	26	and	and	CCONJ
ejif-2832	57	27	technologies	technology	NOUN
ejif-2832	57	28	that	that	PRON
ejif-2832	57	29	are	be	AUX
ejif-2832	57	30	not	not	PART
ejif-2832	57	31	up	up	ADP
ejif-2832	57	32	to	to	ADP
ejif-2832	57	33	date	date	NOUN
ejif-2832	57	34	also	also	ADV
ejif-2832	57	35	affect	affect	VERB
ejif-2832	57	36	the	the	DET
ejif-2832	57	37	operational	operational	ADJ
ejif-2832	57	38	efficiency	efficiency	NOUN
ejif-2832	57	39	of	of	ADP
ejif-2832	57	40	bmts	bmts	NOUN
ejif-2832	57	41	[	[	X
ejif-2832	57	42	7	7	NUM
ejif-2832	57	43	]	]	PUNCT
ejif-2832	57	44	.	.	PUNCT
ejif-2832	58	1	meanwhile	meanwhile	ADV
ejif-2832	58	2	,	,	PUNCT
ejif-2832	58	3	the	the	DET
ejif-2832	58	4	external	external	ADJ
ejif-2832	58	5	issues	issue	NOUN
ejif-2832	58	6	are	be	AUX
ejif-2832	58	7	stiff	stiff	ADJ
ejif-2832	58	8	competition	competition	NOUN
ejif-2832	58	9	among	among	ADP
ejif-2832	58	10	the	the	DET
ejif-2832	58	11	bmts	bmts	NOUN
ejif-2832	58	12	,	,	PUNCT
ejif-2832	58	13	low	low	ADJ
ejif-2832	58	14	level	level	NOUN
ejif-2832	58	15	of	of	ADP
ejif-2832	58	16	public	public	ADJ
ejif-2832	58	17	trust	trust	NOUN
ejif-2832	58	18	towards	towards	ADP
ejif-2832	58	19	bmt	bmt	PROPN
ejif-2832	58	20	performance	performance	NOUN
ejif-2832	58	21	,	,	PUNCT
ejif-2832	58	22	lack	lack	NOUN
ejif-2832	58	23	of	of	ADP
ejif-2832	58	24	networking	networking	NOUN
ejif-2832	58	25	and	and	CCONJ
ejif-2832	58	26	co	co	NOUN
ejif-2832	58	27	-	-	NOUN
ejif-2832	58	28	operation	operation	NOUN
ejif-2832	58	29	among	among	ADP
ejif-2832	58	30	other	other	ADJ
ejif-2832	58	31	financial	financial	ADJ
ejif-2832	58	32	institutions	institution	NOUN
ejif-2832	58	33	,	,	PUNCT
ejif-2832	58	34	as	as	ADV
ejif-2832	58	35	well	well	ADV
ejif-2832	58	36	as	as	ADP
ejif-2832	58	37	lack	lack	NOUN
ejif-2832	58	38	of	of	ADP
ejif-2832	58	39	supervision	supervision	NOUN
ejif-2832	58	40	and	and	CCONJ
ejif-2832	58	41	guidance	guidance	NOUN
ejif-2832	58	42	from	from	ADP
ejif-2832	58	43	government	government	NOUN
ejif-2832	58	44	and	and	CCONJ
ejif-2832	58	45	majlis	majlis	PROPN
ejif-2832	58	46	ulama	ulama	PROPN
ejif-2832	58	47	indonesia	indonesia	PROPN
ejif-2832	58	48	.	.	PUNCT
ejif-2832	59	1	however	however	ADV
ejif-2832	59	2	,	,	PUNCT
ejif-2832	59	3	despite	despite	SCONJ
ejif-2832	59	4	the	the	DET
ejif-2832	59	5	issues	issue	NOUN
ejif-2832	59	6	,	,	PUNCT
ejif-2832	59	7	bmt	bmt	PROPN
ejif-2832	59	8	is	be	AUX
ejif-2832	59	9	still	still	ADV
ejif-2832	59	10	capable	capable	ADJ
ejif-2832	59	11	of	of	ADP
ejif-2832	59	12	connecting	connect	VERB
ejif-2832	59	13	with	with	ADP
ejif-2832	59	14	the	the	DET
ejif-2832	59	15	bottom	bottom	NOUN
ejif-2832	59	16	of	of	ADP
ejif-2832	59	17	the	the	DET
ejif-2832	59	18	economic	economic	ADJ
ejif-2832	59	19	group	group	NOUN
ejif-2832	59	20	in	in	ADP
ejif-2832	59	21	the	the	DET
ejif-2832	59	22	society	society	NOUN
ejif-2832	59	23	[	[	X
ejif-2832	59	24	8	8	NUM
ejif-2832	59	25	]	]	PUNCT
ejif-2832	59	26	.	.	PUNCT
ejif-2832	60	1	on	on	ADP
ejif-2832	60	2	the	the	DET
ejif-2832	60	3	other	other	ADJ
ejif-2832	60	4	hand	hand	NOUN
ejif-2832	60	5	,	,	PUNCT
ejif-2832	60	6	aim	aim	VERB
ejif-2832	60	7	,	,	PUNCT
ejif-2832	60	8	being	be	AUX
ejif-2832	60	9	subsidized	subsidize	VERB
ejif-2832	60	10	by	by	ADP
ejif-2832	60	11	the	the	DET
ejif-2832	60	12	government	government	NOUN
ejif-2832	60	13	,	,	PUNCT
ejif-2832	60	14	offers	offer	VERB
ejif-2832	60	15	limited	limited	ADJ
ejif-2832	60	16	microfinance	microfinance	NOUN
ejif-2832	60	17	products	product	NOUN
ejif-2832	60	18	and	and	CCONJ
ejif-2832	60	19	has	have	AUX
ejif-2832	60	20	standardized	standardize	VERB
ejif-2832	60	21	the	the	DET
ejif-2832	60	22	lending	lending	NOUN
ejif-2832	60	23	contracts	contract	NOUN
ejif-2832	61	1	[	[	X
ejif-2832	61	2	9	9	NUM
ejif-2832	61	3	]	]	PUNCT
ejif-2832	61	4	.	.	PUNCT
ejif-2832	62	1	as	as	ADP
ejif-2832	62	2	of	of	ADP
ejif-2832	62	3	today	today	NOUN
ejif-2832	62	4	,	,	PUNCT
ejif-2832	62	5	there	there	PRON
ejif-2832	62	6	are	be	VERB
ejif-2832	62	7	only	only	ADV
ejif-2832	62	8	three	three	NUM
ejif-2832	62	9	types	type	NOUN
ejif-2832	62	10	of	of	ADP
ejif-2832	62	11	services	service	NOUN
ejif-2832	62	12	offered	offer	VERB
ejif-2832	62	13	,	,	PUNCT
ejif-2832	62	14	namely	namely	ADV
ejif-2832	62	15	financing	financing	NOUN
ejif-2832	62	16	,	,	PUNCT
ejif-2832	62	17	compulsory	compulsory	ADJ
ejif-2832	62	18	savings	saving	NOUN
ejif-2832	62	19	and	and	CCONJ
ejif-2832	62	20	charity	charity	NOUN
ejif-2832	62	21	fund	fund	NOUN
ejif-2832	62	22	.	.	PUNCT
ejif-2832	63	1	more	more	ADV
ejif-2832	63	2	diversified	diversified	ADJ
ejif-2832	63	3	products	product	NOUN
ejif-2832	63	4	would	would	AUX
ejif-2832	63	5	enable	enable	VERB
ejif-2832	63	6	customers	customer	NOUN
ejif-2832	63	7	to	to	PART
ejif-2832	63	8	choose	choose	VERB
ejif-2832	63	9	based	base	VERB
ejif-2832	63	10	on	on	ADP
ejif-2832	63	11	their	their	PRON
ejif-2832	63	12	needs	need	NOUN
ejif-2832	63	13	and	and	CCONJ
ejif-2832	63	14	extend	extend	VERB
ejif-2832	63	15	the	the	DET
ejif-2832	63	16	deliverability	deliverability	NOUN
ejif-2832	63	17	of	of	ADP
ejif-2832	63	18	the	the	DET
ejif-2832	63	19	objectives	objective	NOUN
ejif-2832	63	20	of	of	ADP
ejif-2832	63	21	aim	aim	NOUN
ejif-2832	63	22	.	.	PUNCT
ejif-2832	64	1	for	for	ADP
ejif-2832	64	2	instance	instance	NOUN
ejif-2832	64	3	,	,	PUNCT
ejif-2832	64	4	products	product	NOUN
ejif-2832	64	5	should	should	AUX
ejif-2832	64	6	be	be	AUX
ejif-2832	64	7	extended	extend	VERB
ejif-2832	64	8	into	into	ADP
ejif-2832	64	9	using	use	VERB
ejif-2832	64	10	other	other	ADJ
ejif-2832	64	11	islamic	islamic	ADJ
ejif-2832	64	12	contracts	contract	NOUN
ejif-2832	64	13	such	such	ADJ
ejif-2832	64	14	as	as	ADP
ejif-2832	64	15	musyarakah	musyarakah	PROPN
ejif-2832	64	16	(	(	PUNCT
ejif-2832	64	17	partnership	partnership	NOUN
ejif-2832	64	18	)	)	PUNCT
ejif-2832	64	19	and	and	CCONJ
ejif-2832	64	20	ijarah	ijarah	NOUN
ejif-2832	64	21	(	(	PUNCT
ejif-2832	64	22	lease	lease	NOUN
ejif-2832	64	23	)	)	PUNCT
ejif-2832	64	24	.	.	PUNCT
ejif-2832	65	1	musyarakah	musyarakah	PROPN
ejif-2832	65	2	in	in	ADP
ejif-2832	65	3	particular	particular	ADJ
ejif-2832	65	4	would	would	AUX
ejif-2832	65	5	encourage	encourage	VERB
ejif-2832	65	6	and	and	CCONJ
ejif-2832	65	7	drive	drive	VERB
ejif-2832	65	8	the	the	DET
ejif-2832	65	9	clients	client	NOUN
ejif-2832	65	10	to	to	PART
ejif-2832	65	11	work	work	VERB
ejif-2832	65	12	harder	hard	ADV
ejif-2832	65	13	because	because	SCONJ
ejif-2832	65	14	of	of	ADP
ejif-2832	65	15	the	the	DET
ejif-2832	65	16	profit	profit	NOUN
ejif-2832	65	17	and	and	CCONJ
ejif-2832	65	18	loss	loss	NOUN
ejif-2832	65	19	sharing	sharing	NOUN
ejif-2832	65	20	element	element	NOUN
ejif-2832	65	21	involved	involve	VERB
ejif-2832	65	22	whereas	whereas	SCONJ
ejif-2832	65	23	simple	simple	ADJ
ejif-2832	65	24	loans	loan	NOUN
ejif-2832	65	25	really	really	ADV
ejif-2832	65	26	mimic	mimic	VERB
ejif-2832	65	27	the	the	DET
ejif-2832	65	28	conventional	conventional	ADJ
ejif-2832	65	29	method	method	NOUN
ejif-2832	65	30	only	only	ADV
ejif-2832	65	31	.	.	PUNCT
ejif-2832	66	1	this	this	DET
ejif-2832	66	2	contract	contract	NOUN
ejif-2832	66	3	gives	give	VERB
ejif-2832	66	4	honourship	honourship	NOUN
ejif-2832	66	5	and	and	CCONJ
ejif-2832	66	6	higher	high	ADJ
ejif-2832	66	7	sense	sense	NOUN
ejif-2832	66	8	of	of	ADP
ejif-2832	66	9	responsibility	responsibility	NOUN
ejif-2832	66	10	for	for	ADP
ejif-2832	66	11	the	the	DET
ejif-2832	66	12	clients	client	NOUN
ejif-2832	66	13	to	to	PART
ejif-2832	66	14	execute	execute	VERB
ejif-2832	66	15	their	their	PRON
ejif-2832	66	16	small	small	ADJ
ejif-2832	66	17	scale	scale	NOUN
ejif-2832	66	18	business	business	NOUN
ejif-2832	66	19	undertakings	undertaking	NOUN
ejif-2832	66	20	.	.	PUNCT
ejif-2832	67	1	with	with	ADP
ejif-2832	67	2	the	the	DET
ejif-2832	67	3	small	small	ADJ
ejif-2832	67	4	financing	financing	NOUN
ejif-2832	67	5	given	give	VERB
ejif-2832	67	6	,	,	PUNCT
ejif-2832	67	7	many	many	ADJ
ejif-2832	67	8	aim	aim	NOUN
ejif-2832	67	9	clients	client	NOUN
ejif-2832	67	10	utilise	utilise	VERB
ejif-2832	67	11	the	the	DET
ejif-2832	67	12	financing	financing	NOUN
ejif-2832	67	13	to	to	PART
ejif-2832	67	14	embark	embark	VERB
ejif-2832	67	15	on	on	ADP
ejif-2832	67	16	small	small	ADJ
ejif-2832	67	17	businesses	business	NOUN
ejif-2832	67	18	,	,	PUNCT
ejif-2832	67	19	even	even	ADV
ejif-2832	67	20	though	though	SCONJ
ejif-2832	67	21	these	these	DET
ejif-2832	67	22	clients	client	NOUN
ejif-2832	67	23	are	be	AUX
ejif-2832	67	24	capable	capable	ADJ
ejif-2832	67	25	to	to	ADP
ejif-2832	67	26	self	self	NOUN
ejif-2832	67	27	-	-	PUNCT
ejif-2832	67	28	employ	employ	NOUN
ejif-2832	67	29	.	.	PUNCT
ejif-2832	68	1	however	however	ADV
ejif-2832	68	2	,	,	PUNCT
ejif-2832	68	3	the	the	DET
ejif-2832	68	4	income	income	NOUN
ejif-2832	68	5	from	from	ADP
ejif-2832	68	6	the	the	DET
ejif-2832	68	7	small	small	ADJ
ejif-2832	68	8	businesses	business	NOUN
ejif-2832	68	9	may	may	AUX
ejif-2832	68	10	not	not	PART
ejif-2832	68	11	be	be	AUX
ejif-2832	68	12	higher	high	ADJ
ejif-2832	68	13	than	than	ADP
ejif-2832	68	14	the	the	DET
ejif-2832	68	15	wage	wage	NOUN
ejif-2832	68	16	income	income	NOUN
ejif-2832	68	17	.	.	PUNCT
ejif-2832	69	1	there	there	PRON
ejif-2832	69	2	must	must	AUX
ejif-2832	69	3	be	be	AUX
ejif-2832	69	4	a	a	DET
ejif-2832	69	5	way	way	NOUN
ejif-2832	69	6	to	to	PART
ejif-2832	69	7	further	far	ADV
ejif-2832	69	8	increase	increase	VERB
ejif-2832	69	9	their	their	PRON
ejif-2832	69	10	income	income	NOUN
ejif-2832	69	11	for	for	SCONJ
ejif-2832	69	12	them	they	PRON
ejif-2832	69	13	to	to	PART
ejif-2832	69	14	graduate	graduate	VERB
ejif-2832	69	15	from	from	ADP
ejif-2832	69	16	the	the	DET
ejif-2832	69	17	low	low	ADJ
ejif-2832	69	18	wage	wage	NOUN
ejif-2832	69	19	especially	especially	ADV
ejif-2832	69	20	for	for	ADP
ejif-2832	69	21	women	woman	NOUN
ejif-2832	69	22	clients	client	NOUN
ejif-2832	69	23	who	who	PRON
ejif-2832	69	24	enjoy	enjoy	VERB
ejif-2832	69	25	flexible	flexible	ADJ
ejif-2832	69	26	hours	hour	NOUN
ejif-2832	69	27	so	so	SCONJ
ejif-2832	69	28	that	that	SCONJ
ejif-2832	69	29	they	they	PRON
ejif-2832	69	30	can	can	AUX
ejif-2832	69	31	manage	manage	VERB
ejif-2832	69	32	their	their	PRON
ejif-2832	69	33	families	family	NOUN
ejif-2832	69	34	at	at	ADP
ejif-2832	69	35	the	the	DET
ejif-2832	69	36	same	same	ADJ
ejif-2832	69	37	time	time	NOUN
ejif-2832	69	38	[	[	X
ejif-2832	69	39	10	10	NUM
ejif-2832	69	40	]	]	PUNCT
ejif-2832	69	41	.	.	PUNCT
ejif-2832	70	1	iii	iii	X
ejif-2832	70	2	.	.	PUNCT
ejif-2832	71	1	issues	issue	NOUN
ejif-2832	71	2	and	and	CCONJ
ejif-2832	71	3	challenges	challenge	NOUN
ejif-2832	71	4	facing	face	VERB
ejif-2832	71	5	the	the	DET
ejif-2832	71	6	imfis	imfis	NOUN
ejif-2832	71	7	the	the	DET
ejif-2832	71	8	issues	issue	NOUN
ejif-2832	71	9	and	and	CCONJ
ejif-2832	71	10	challenges	challenge	NOUN
ejif-2832	71	11	facing	face	VERB
ejif-2832	71	12	both	both	DET
ejif-2832	71	13	aim	aim	NOUN
ejif-2832	71	14	and	and	CCONJ
ejif-2832	71	15	bmt	bmt	VERB
ejif-2832	71	16	in	in	ADP
ejif-2832	71	17	providing	provide	VERB
ejif-2832	71	18	financial	financial	ADJ
ejif-2832	71	19	access	access	NOUN
ejif-2832	71	20	to	to	ADP
ejif-2832	71	21	the	the	DET
ejif-2832	71	22	poor	poor	ADJ
ejif-2832	71	23	can	can	AUX
ejif-2832	71	24	be	be	AUX
ejif-2832	71	25	divided	divide	VERB
ejif-2832	71	26	into	into	ADP
ejif-2832	71	27	several	several	ADJ
ejif-2832	71	28	categories	category	NOUN
ejif-2832	71	29	.	.	PUNCT
ejif-2832	72	1	this	this	DET
ejif-2832	72	2	section	section	NOUN
ejif-2832	72	3	discusses	discuss	VERB
ejif-2832	72	4	these	these	DET
ejif-2832	72	5	issues	issue	NOUN
ejif-2832	72	6	and	and	CCONJ
ejif-2832	72	7	challenges	challenge	NOUN
ejif-2832	72	8	faced	face	VERB
ejif-2832	72	9	by	by	ADP
ejif-2832	72	10	aim	aim	NOUN
ejif-2832	72	11	and	and	CCONJ
ejif-2832	72	12	bmt	bmt	VERB
ejif-2832	72	13	in	in	ADP
ejif-2832	72	14	delivering	deliver	VERB
ejif-2832	72	15	the	the	DET
ejif-2832	72	16	conscience	conscience	NOUN
ejif-2832	72	17	-	-	PUNCT
ejif-2832	72	18	based	base	VERB
ejif-2832	72	19	financing	financing	NOUN
ejif-2832	72	20	services	service	NOUN
ejif-2832	72	21	.	.	PUNCT
ejif-2832	73	1	ejif	ejif	PROPN
ejif-2832	73	2	–	–	PUNCT
ejif-2832	73	3	european	european	PROPN
ejif-2832	73	4	journal	journal	PROPN
ejif-2832	73	5	of	of	ADP
ejif-2832	73	6	islamic	islamic	PROPN
ejif-2832	73	7	finance	finance	PROPN
ejif-2832	73	8	no15	no15	PROPN
ejif-2832	73	9	,	,	PUNCT
ejif-2832	73	10	august	august	PROPN
ejif-2832	73	11	(	(	PUNCT
ejif-2832	73	12	2020	2020	NUM
ejif-2832	73	13	)	)	PUNCT
ejif-2832	74	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	74	2	issn	issn	VERB
ejif-2832	74	3	2421	2421	NUM
ejif-2832	74	4	-	-	SYM
ejif-2832	74	5	2172	2172	NUM
ejif-2832	74	6	3	3	NUM
ejif-2832	74	7	a.	a.	NOUN
ejif-2832	74	8	human	human	PROPN
ejif-2832	74	9	capital	capital	NOUN
ejif-2832	74	10	performance	performance	NOUN
ejif-2832	74	11	the	the	DET
ejif-2832	74	12	challenges	challenge	NOUN
ejif-2832	74	13	of	of	ADP
ejif-2832	74	14	human	human	ADJ
ejif-2832	74	15	capital	capital	NOUN
ejif-2832	74	16	performance	performance	NOUN
ejif-2832	74	17	in	in	ADP
ejif-2832	74	18	bmt	bmt	NOUN
ejif-2832	74	19	come	come	VERB
ejif-2832	74	20	in	in	ADP
ejif-2832	74	21	several	several	ADJ
ejif-2832	74	22	dimensions	dimension	NOUN
ejif-2832	74	23	.	.	PUNCT
ejif-2832	75	1	firstly	firstly	ADV
ejif-2832	75	2	,	,	PUNCT
ejif-2832	75	3	the	the	DET
ejif-2832	75	4	staff	staff	NOUN
ejif-2832	75	5	lack	lack	VERB
ejif-2832	75	6	spirits	spirit	NOUN
ejif-2832	75	7	in	in	ADP
ejif-2832	75	8	developing	develop	VERB
ejif-2832	75	9	islamic	islamic	ADJ
ejif-2832	75	10	financial	financial	ADJ
ejif-2832	75	11	services	service	NOUN
ejif-2832	75	12	.	.	PUNCT
ejif-2832	76	1	in	in	ADP
ejif-2832	76	2	addition	addition	NOUN
ejif-2832	76	3	,	,	PUNCT
ejif-2832	76	4	there	there	PRON
ejif-2832	76	5	is	be	VERB
ejif-2832	76	6	insufficient	insufficient	ADJ
ejif-2832	76	7	human	human	ADJ
ejif-2832	76	8	resources	resource	NOUN
ejif-2832	76	9	with	with	ADP
ejif-2832	76	10	good	good	ADJ
ejif-2832	76	11	managerial	managerial	ADJ
ejif-2832	76	12	skills	skill	NOUN
ejif-2832	76	13	to	to	PART
ejif-2832	76	14	manage	manage	VERB
ejif-2832	76	15	the	the	DET
ejif-2832	76	16	performance	performance	NOUN
ejif-2832	76	17	of	of	ADP
ejif-2832	76	18	the	the	DET
ejif-2832	76	19	institutions	institution	NOUN
ejif-2832	76	20	.	.	PUNCT
ejif-2832	77	1	low	low	ADJ
ejif-2832	77	2	understanding	understanding	NOUN
ejif-2832	77	3	in	in	ADP
ejif-2832	77	4	economic	economic	ADJ
ejif-2832	77	5	principles	principle	NOUN
ejif-2832	77	6	and	and	CCONJ
ejif-2832	77	7	islamic	islamic	ADJ
ejif-2832	77	8	financial	financial	ADJ
ejif-2832	77	9	transaction	transaction	NOUN
ejif-2832	77	10	aggravate	aggravate	VERB
ejif-2832	77	11	the	the	DET
ejif-2832	77	12	performance	performance	NOUN
ejif-2832	77	13	of	of	ADP
ejif-2832	77	14	the	the	DET
ejif-2832	77	15	human	human	ADJ
ejif-2832	77	16	capital	capital	NOUN
ejif-2832	77	17	.	.	PUNCT
ejif-2832	78	1	shari’ah	shari’ah	PROPN
ejif-2832	78	2	compliance	compliance	NOUN
ejif-2832	78	3	is	be	AUX
ejif-2832	78	4	the	the	DET
ejif-2832	78	5	key	key	ADJ
ejif-2832	78	6	feature	feature	NOUN
ejif-2832	78	7	of	of	ADP
ejif-2832	78	8	doing	do	VERB
ejif-2832	78	9	business	business	NOUN
ejif-2832	78	10	in	in	ADP
ejif-2832	78	11	islamic	islamic	ADJ
ejif-2832	78	12	microfinance	microfinance	NOUN
ejif-2832	78	13	but	but	CCONJ
ejif-2832	78	14	in	in	ADP
ejif-2832	78	15	practice	practice	NOUN
ejif-2832	78	16	,	,	PUNCT
ejif-2832	78	17	many	many	ADJ
ejif-2832	78	18	officers	officer	NOUN
ejif-2832	78	19	and	and	CCONJ
ejif-2832	78	20	employees	employee	NOUN
ejif-2832	78	21	of	of	ADP
ejif-2832	78	22	bmt	bmt	PROPN
ejif-2832	78	23	have	have	VERB
ejif-2832	78	24	low	low	ADJ
ejif-2832	78	25	financial	financial	ADJ
ejif-2832	78	26	literacy	literacy	NOUN
ejif-2832	78	27	.	.	PUNCT
ejif-2832	79	1	this	this	DET
ejif-2832	79	2	situation	situation	NOUN
ejif-2832	79	3	is	be	AUX
ejif-2832	79	4	very	very	ADV
ejif-2832	79	5	upsetting	upsetting	ADJ
ejif-2832	79	6	because	because	SCONJ
ejif-2832	79	7	it	it	PRON
ejif-2832	79	8	will	will	AUX
ejif-2832	79	9	impact	impact	VERB
ejif-2832	79	10	the	the	DET
ejif-2832	79	11	perception	perception	NOUN
ejif-2832	79	12	of	of	ADP
ejif-2832	79	13	the	the	DET
ejif-2832	79	14	community	community	NOUN
ejif-2832	79	15	towards	towards	ADP
ejif-2832	79	16	the	the	DET
ejif-2832	79	17	image	image	NOUN
ejif-2832	79	18	of	of	ADP
ejif-2832	79	19	bmt	bmt	NOUN
ejif-2832	79	20	.	.	PUNCT
ejif-2832	80	1	the	the	DET
ejif-2832	80	2	members	member	NOUN
ejif-2832	80	3	of	of	ADP
ejif-2832	80	4	bmt	bmt	NOUN
ejif-2832	80	5	are	be	AUX
ejif-2832	80	6	dependent	dependent	ADJ
ejif-2832	80	7	on	on	ADP
ejif-2832	80	8	the	the	DET
ejif-2832	80	9	institution	institution	NOUN
ejif-2832	80	10	to	to	PART
ejif-2832	80	11	educate	educate	VERB
ejif-2832	80	12	and	and	CCONJ
ejif-2832	80	13	support	support	VERB
ejif-2832	80	14	them	they	PRON
ejif-2832	80	15	in	in	ADP
ejif-2832	80	16	understanding	understanding	NOUN
ejif-2832	80	17	and	and	CCONJ
ejif-2832	80	18	distinguishing	distinguish	VERB
ejif-2832	80	19	between	between	ADP
ejif-2832	80	20	bmt	bmt	NOUN
ejif-2832	80	21	and	and	CCONJ
ejif-2832	80	22	its	its	PRON
ejif-2832	80	23	conventional	conventional	ADJ
ejif-2832	80	24	counterpart	counterpart	NOUN
ejif-2832	80	25	.	.	PUNCT
ejif-2832	81	1	when	when	SCONJ
ejif-2832	81	2	this	this	DET
ejif-2832	81	3	issue	issue	NOUN
ejif-2832	81	4	with	with	ADP
ejif-2832	81	5	human	human	ADJ
ejif-2832	81	6	resources	resource	NOUN
ejif-2832	81	7	are	be	AUX
ejif-2832	81	8	not	not	PART
ejif-2832	81	9	addressed	address	VERB
ejif-2832	81	10	accordingly	accordingly	ADV
ejif-2832	81	11	,	,	PUNCT
ejif-2832	81	12	people	people	NOUN
ejif-2832	81	13	assume	assume	VERB
ejif-2832	81	14	that	that	SCONJ
ejif-2832	81	15	financial	financial	ADJ
ejif-2832	81	16	products	product	NOUN
ejif-2832	81	17	and	and	CCONJ
ejif-2832	81	18	services	service	NOUN
ejif-2832	81	19	offered	offer	VERB
ejif-2832	81	20	by	by	ADP
ejif-2832	81	21	bmt	bmt	NOUN
ejif-2832	81	22	are	be	AUX
ejif-2832	81	23	similar	similar	ADJ
ejif-2832	81	24	with	with	ADP
ejif-2832	81	25	other	other	ADJ
ejif-2832	81	26	conventional	conventional	ADJ
ejif-2832	81	27	financial	financial	ADJ
ejif-2832	81	28	institutions	institution	NOUN
ejif-2832	81	29	.	.	PUNCT
ejif-2832	82	1	in	in	ADP
ejif-2832	82	2	reality	reality	NOUN
ejif-2832	82	3	,	,	PUNCT
ejif-2832	82	4	most	most	ADJ
ejif-2832	82	5	of	of	ADP
ejif-2832	82	6	administrators	administrator	NOUN
ejif-2832	82	7	and	and	CCONJ
ejif-2832	82	8	management	management	NOUN
ejif-2832	82	9	of	of	ADP
ejif-2832	82	10	bmt	bmt	NOUN
ejif-2832	82	11	also	also	ADV
ejif-2832	82	12	have	have	VERB
ejif-2832	82	13	no	no	DET
ejif-2832	82	14	background	background	NOUN
ejif-2832	82	15	in	in	ADP
ejif-2832	82	16	finance	finance	NOUN
ejif-2832	82	17	and	and	CCONJ
ejif-2832	82	18	economic	economic	ADJ
ejif-2832	82	19	.	.	PUNCT
ejif-2832	83	1	according	accord	VERB
ejif-2832	83	2	to	to	ADP
ejif-2832	83	3	the	the	DET
ejif-2832	83	4	research	research	NOUN
ejif-2832	83	5	conducted	conduct	VERB
ejif-2832	83	6	by	by	ADP
ejif-2832	83	7	universitas	universita	NOUN
ejif-2832	83	8	islam	islam	PROPN
ejif-2832	83	9	indonesia	indonesia	PROPN
ejif-2832	83	10	,	,	PUNCT
ejif-2832	83	11	majority	majority	NOUN
ejif-2832	83	12	of	of	ADP
ejif-2832	83	13	bmt	bmt	PROPN
ejif-2832	83	14	administrators	administrator	NOUN
ejif-2832	83	15	lack	lack	VERB
ejif-2832	83	16	knowledge	knowledge	NOUN
ejif-2832	83	17	and	and	CCONJ
ejif-2832	83	18	experience	experience	NOUN
ejif-2832	83	19	in	in	ADP
ejif-2832	83	20	managing	manage	VERB
ejif-2832	83	21	islamic	islamic	ADJ
ejif-2832	83	22	finance	finance	NOUN
ejif-2832	83	23	institution	institution	NOUN
ejif-2832	83	24	,	,	PUNCT
ejif-2832	83	25	therefore	therefore	ADV
ejif-2832	83	26	in	in	ADP
ejif-2832	83	27	practice	practice	NOUN
ejif-2832	83	28	,	,	PUNCT
ejif-2832	83	29	bmt	bmt	VERB
ejif-2832	83	30	often	often	ADV
ejif-2832	83	31	deviate	deviate	VERB
ejif-2832	83	32	from	from	ADP
ejif-2832	83	33	islamic	islamic	ADJ
ejif-2832	83	34	principles	principle	NOUN
ejif-2832	83	35	and	and	CCONJ
ejif-2832	83	36	can	can	AUX
ejif-2832	83	37	not	not	PART
ejif-2832	83	38	be	be	AUX
ejif-2832	83	39	efficient	efficient	ADJ
ejif-2832	83	40	in	in	ADP
ejif-2832	83	41	business	business	NOUN
ejif-2832	83	42	management	management	NOUN
ejif-2832	83	43	.	.	PUNCT
ejif-2832	84	1	in	in	ADP
ejif-2832	84	2	general	general	ADJ
ejif-2832	84	3	,	,	PUNCT
ejif-2832	84	4	bmt	bmt	PROPN
ejif-2832	84	5	started	start	VERB
ejif-2832	84	6	as	as	ADP
ejif-2832	84	7	a	a	DET
ejif-2832	84	8	small	small	ADJ
ejif-2832	84	9	business	business	NOUN
ejif-2832	84	10	unit	unit	NOUN
ejif-2832	84	11	initiated	initiate	VERB
ejif-2832	84	12	by	by	ADP
ejif-2832	84	13	the	the	DET
ejif-2832	84	14	public	public	NOUN
ejif-2832	84	15	.	.	PUNCT
ejif-2832	85	1	having	have	VERB
ejif-2832	85	2	a	a	DET
ejif-2832	85	3	limited	limited	ADJ
ejif-2832	85	4	business	business	NOUN
ejif-2832	85	5	scope	scope	NOUN
ejif-2832	85	6	with	with	ADP
ejif-2832	85	7	limited	limited	ADJ
ejif-2832	85	8	human	human	ADJ
ejif-2832	85	9	resources	resource	NOUN
ejif-2832	85	10	capacity	capacity	NOUN
ejif-2832	85	11	,	,	PUNCT
ejif-2832	85	12	human	human	ADJ
ejif-2832	85	13	resource	resource	NOUN
ejif-2832	85	14	capability	capability	NOUN
ejif-2832	85	15	management	management	NOUN
ejif-2832	85	16	skill	skill	NOUN
ejif-2832	85	17	in	in	ADP
ejif-2832	85	18	bmt	bmt	PROPN
ejif-2832	85	19	has	have	VERB
ejif-2832	85	20	difficulty	difficulty	NOUN
ejif-2832	85	21	to	to	PART
ejif-2832	85	22	grow	grow	VERB
ejif-2832	85	23	.	.	PUNCT
ejif-2832	86	1	due	due	ADP
ejif-2832	86	2	to	to	ADP
ejif-2832	86	3	budget	budget	NOUN
ejif-2832	86	4	constraint	constraint	NOUN
ejif-2832	86	5	,	,	PUNCT
ejif-2832	86	6	human	human	ADJ
ejif-2832	86	7	development	development	NOUN
ejif-2832	86	8	training	training	NOUN
ejif-2832	86	9	can	can	AUX
ejif-2832	86	10	not	not	PART
ejif-2832	86	11	be	be	AUX
ejif-2832	86	12	done	do	VERB
ejif-2832	86	13	that	that	PRON
ejif-2832	86	14	leads	lead	VERB
ejif-2832	86	15	to	to	ADP
ejif-2832	86	16	the	the	DET
ejif-2832	86	17	poor	poor	ADJ
ejif-2832	86	18	performance	performance	NOUN
ejif-2832	86	19	of	of	ADP
ejif-2832	86	20	human	human	ADJ
ejif-2832	86	21	resources	resource	NOUN
ejif-2832	86	22	in	in	ADP
ejif-2832	86	23	bmt	bmt	NOUN
ejif-2832	86	24	.	.	PUNCT
ejif-2832	87	1	this	this	DET
ejif-2832	87	2	issue	issue	NOUN
ejif-2832	87	3	causes	cause	VERB
ejif-2832	87	4	many	many	ADJ
ejif-2832	87	5	bmts	bmt	NOUN
ejif-2832	87	6	to	to	PART
ejif-2832	87	7	suffer	suffer	VERB
ejif-2832	87	8	bankruptcy	bankruptcy	NOUN
ejif-2832	87	9	problem	problem	NOUN
ejif-2832	87	10	because	because	SCONJ
ejif-2832	87	11	of	of	ADP
ejif-2832	87	12	operational	operational	ADJ
ejif-2832	87	13	failure	failure	NOUN
ejif-2832	87	14	[	[	X
ejif-2832	87	15	11	11	NUM
ejif-2832	87	16	]	]	PUNCT
ejif-2832	87	17	.	.	PUNCT
ejif-2832	88	1	focusing	focus	VERB
ejif-2832	88	2	on	on	ADP
ejif-2832	88	3	the	the	DET
ejif-2832	88	4	case	case	NOUN
ejif-2832	88	5	of	of	ADP
ejif-2832	88	6	bmt	bmt	NOUN
ejif-2832	88	7	in	in	ADP
ejif-2832	88	8	pekan	pekan	PROPN
ejif-2832	88	9	baru	baru	PROPN
ejif-2832	88	10	,	,	PUNCT
ejif-2832	88	11	the	the	DET
ejif-2832	88	12	study	study	NOUN
ejif-2832	88	13	supports	support	VERB
ejif-2832	88	14	that	that	SCONJ
ejif-2832	88	15	lack	lack	NOUN
ejif-2832	88	16	of	of	ADP
ejif-2832	88	17	quality	quality	NOUN
ejif-2832	88	18	human	human	ADJ
ejif-2832	88	19	resource	resource	NOUN
ejif-2832	88	20	and	and	CCONJ
ejif-2832	88	21	absence	absence	NOUN
ejif-2832	88	22	of	of	ADP
ejif-2832	88	23	specific	specific	ADJ
ejif-2832	88	24	regulations	regulation	NOUN
ejif-2832	88	25	affect	affect	VERB
ejif-2832	88	26	its	its	PRON
ejif-2832	88	27	performance	performance	NOUN
ejif-2832	88	28	.	.	PUNCT
ejif-2832	89	1	the	the	DET
ejif-2832	89	2	study	study	NOUN
ejif-2832	89	3	also	also	ADV
ejif-2832	89	4	states	state	VERB
ejif-2832	89	5	most	most	ADJ
ejif-2832	89	6	of	of	ADP
ejif-2832	89	7	employees	employee	NOUN
ejif-2832	89	8	in	in	ADP
ejif-2832	89	9	bmt	bmt	NOUN
ejif-2832	89	10	do	do	AUX
ejif-2832	89	11	not	not	PART
ejif-2832	89	12	have	have	VERB
ejif-2832	89	13	competency	competency	NOUN
ejif-2832	89	14	as	as	ADP
ejif-2832	89	15	shari’ah	shari’ah	NOUN
ejif-2832	89	16	practitioners	practitioner	NOUN
ejif-2832	89	17	and	and	CCONJ
ejif-2832	89	18	do	do	AUX
ejif-2832	89	19	not	not	PART
ejif-2832	89	20	have	have	VERB
ejif-2832	89	21	understanding	understanding	NOUN
ejif-2832	89	22	about	about	ADP
ejif-2832	89	23	the	the	DET
ejif-2832	89	24	concept	concept	NOUN
ejif-2832	89	25	of	of	ADP
ejif-2832	89	26	business	business	NOUN
ejif-2832	89	27	[	[	X
ejif-2832	89	28	7	7	NUM
ejif-2832	89	29	]	]	PUNCT
ejif-2832	89	30	.	.	PUNCT
ejif-2832	90	1	little	little	ADJ
ejif-2832	90	2	or	or	CCONJ
ejif-2832	90	3	none	none	NOUN
ejif-2832	90	4	has	have	AUX
ejif-2832	90	5	been	be	AUX
ejif-2832	90	6	written	write	VERB
ejif-2832	90	7	on	on	ADP
ejif-2832	90	8	aim	aim	NOUN
ejif-2832	90	9	in	in	ADP
ejif-2832	90	10	terms	term	NOUN
ejif-2832	90	11	of	of	ADP
ejif-2832	90	12	human	human	ADJ
ejif-2832	90	13	resource	resource	NOUN
ejif-2832	90	14	performance	performance	NOUN
ejif-2832	90	15	based	base	VERB
ejif-2832	90	16	on	on	ADP
ejif-2832	90	17	the	the	DET
ejif-2832	90	18	review	review	NOUN
ejif-2832	90	19	carried	carry	VERB
ejif-2832	90	20	out	out	ADP
ejif-2832	90	21	.	.	PUNCT
ejif-2832	91	1	this	this	PRON
ejif-2832	91	2	is	be	AUX
ejif-2832	91	3	a	a	DET
ejif-2832	91	4	research	research	NOUN
ejif-2832	91	5	gap	gap	NOUN
ejif-2832	91	6	that	that	PRON
ejif-2832	91	7	can	can	AUX
ejif-2832	91	8	be	be	AUX
ejif-2832	91	9	focused	focus	VERB
ejif-2832	91	10	by	by	ADP
ejif-2832	91	11	future	future	ADJ
ejif-2832	91	12	researchers	researcher	NOUN
ejif-2832	91	13	.	.	PUNCT
ejif-2832	92	1	there	there	PRON
ejif-2832	92	2	seems	seem	VERB
ejif-2832	92	3	to	to	PART
ejif-2832	92	4	be	be	AUX
ejif-2832	92	5	many	many	ADJ
ejif-2832	92	6	articles	article	NOUN
ejif-2832	92	7	written	write	VERB
ejif-2832	92	8	on	on	ADP
ejif-2832	92	9	bmt	bmt	NOUN
ejif-2832	92	10	which	which	PRON
ejif-2832	92	11	is	be	AUX
ejif-2832	92	12	applaudable	applaudable	ADJ
ejif-2832	92	13	because	because	SCONJ
ejif-2832	92	14	it	it	PRON
ejif-2832	92	15	shows	show	VERB
ejif-2832	92	16	that	that	SCONJ
ejif-2832	92	17	there	there	PRON
ejif-2832	92	18	are	be	VERB
ejif-2832	92	19	concerns	concern	NOUN
ejif-2832	92	20	with	with	ADP
ejif-2832	92	21	bmt	bmt	NOUN
ejif-2832	93	1	and	and	CCONJ
ejif-2832	93	2	they	they	PRON
ejif-2832	93	3	want	want	VERB
ejif-2832	93	4	to	to	PART
ejif-2832	93	5	see	see	VERB
ejif-2832	93	6	improvement	improvement	NOUN
ejif-2832	93	7	due	due	ADP
ejif-2832	93	8	to	to	ADP
ejif-2832	93	9	the	the	DET
ejif-2832	93	10	big	big	ADJ
ejif-2832	93	11	potential	potential	NOUN
ejif-2832	93	12	that	that	PRON
ejif-2832	93	13	could	could	AUX
ejif-2832	93	14	benefit	benefit	VERB
ejif-2832	93	15	so	so	ADV
ejif-2832	93	16	many	many	ADJ
ejif-2832	93	17	.	.	PUNCT
ejif-2832	94	1	b.	b.	PROPN
ejif-2832	94	2	cost	cost	PROPN
ejif-2832	94	3	of	of	ADP
ejif-2832	94	4	fund	fund	NOUN
ejif-2832	94	5	and	and	CCONJ
ejif-2832	94	6	perception	perception	NOUN
ejif-2832	94	7	of	of	ADP
ejif-2832	94	8	interest	interest	NOUN
ejif-2832	94	9	cost	cost	NOUN
ejif-2832	94	10	of	of	ADP
ejif-2832	94	11	fund	fund	NOUN
ejif-2832	94	12	in	in	ADP
ejif-2832	94	13	bmt	bmt	PROPN
ejif-2832	94	14	is	be	AUX
ejif-2832	94	15	higher	high	ADJ
ejif-2832	94	16	than	than	ADP
ejif-2832	94	17	the	the	DET
ejif-2832	94	18	cost	cost	NOUN
ejif-2832	94	19	of	of	ADP
ejif-2832	94	20	fund	fund	NOUN
ejif-2832	94	21	in	in	ADP
ejif-2832	94	22	islamic	islamic	ADJ
ejif-2832	94	23	and	and	CCONJ
ejif-2832	94	24	conventional	conventional	ADJ
ejif-2832	94	25	banks	bank	NOUN
ejif-2832	94	26	.	.	PUNCT
ejif-2832	95	1	this	this	PRON
ejif-2832	95	2	is	be	AUX
ejif-2832	95	3	because	because	SCONJ
ejif-2832	95	4	bmt	bmt	PROPN
ejif-2832	95	5	has	have	VERB
ejif-2832	95	6	to	to	PART
ejif-2832	95	7	put	put	VERB
ejif-2832	95	8	in	in	ADP
ejif-2832	95	9	more	more	ADJ
ejif-2832	95	10	effort	effort	NOUN
ejif-2832	95	11	to	to	PART
ejif-2832	95	12	invite	invite	VERB
ejif-2832	95	13	customers	customer	NOUN
ejif-2832	95	14	to	to	PART
ejif-2832	95	15	save	save	VERB
ejif-2832	95	16	and	and	CCONJ
ejif-2832	95	17	deposit	deposit	VERB
ejif-2832	95	18	their	their	PRON
ejif-2832	95	19	fund	fund	NOUN
ejif-2832	95	20	in	in	ADP
ejif-2832	95	21	bmt	bmt	NOUN
ejif-2832	95	22	by	by	ADP
ejif-2832	95	23	giving	give	VERB
ejif-2832	95	24	higher	high	ADJ
ejif-2832	95	25	profit	profit	NOUN
ejif-2832	95	26	rate	rate	NOUN
ejif-2832	95	27	to	to	ADP
ejif-2832	95	28	depositor	depositor	NOUN
ejif-2832	95	29	.	.	PUNCT
ejif-2832	96	1	at	at	ADP
ejif-2832	96	2	the	the	DET
ejif-2832	96	3	same	same	ADJ
ejif-2832	96	4	time	time	NOUN
ejif-2832	96	5	,	,	PUNCT
ejif-2832	96	6	to	to	PART
ejif-2832	96	7	offset	offset	VERB
ejif-2832	96	8	that	that	DET
ejif-2832	96	9	cost	cost	NOUN
ejif-2832	96	10	,	,	PUNCT
ejif-2832	96	11	bmt	bmt	VERB
ejif-2832	96	12	transfers	transfer	VERB
ejif-2832	96	13	the	the	DET
ejif-2832	96	14	cost	cost	NOUN
ejif-2832	96	15	to	to	ADP
ejif-2832	96	16	other	other	ADJ
ejif-2832	96	17	products	product	NOUN
ejif-2832	96	18	which	which	PRON
ejif-2832	96	19	makes	make	VERB
ejif-2832	96	20	other	other	ADJ
ejif-2832	96	21	products	product	NOUN
ejif-2832	96	22	to	to	PART
ejif-2832	96	23	cost	cost	VERB
ejif-2832	96	24	more	more	ADJ
ejif-2832	96	25	.	.	PUNCT
ejif-2832	97	1	this	this	DET
ejif-2832	97	2	situation	situation	NOUN
ejif-2832	97	3	influences	influence	VERB
ejif-2832	97	4	perception	perception	NOUN
ejif-2832	97	5	of	of	ADP
ejif-2832	97	6	the	the	DET
ejif-2832	97	7	people	people	NOUN
ejif-2832	97	8	that	that	PRON
ejif-2832	97	9	bmt	bmt	VERB
ejif-2832	97	10	is	be	AUX
ejif-2832	97	11	conducting	conduct	VERB
ejif-2832	97	12	financing	financing	NOUN
ejif-2832	97	13	scheme	scheme	NOUN
ejif-2832	97	14	based	base	VERB
ejif-2832	97	15	on	on	ADP
ejif-2832	97	16	riba	riba	PROPN
ejif-2832	97	17	although	although	SCONJ
ejif-2832	97	18	bmt	bmt	VERB
ejif-2832	97	19	claim	claim	NOUN
ejif-2832	97	20	that	that	SCONJ
ejif-2832	97	21	they	they	PRON
ejif-2832	97	22	operate	operate	VERB
ejif-2832	97	23	their	their	PRON
ejif-2832	97	24	product	product	NOUN
ejif-2832	97	25	and	and	CCONJ
ejif-2832	97	26	service	service	NOUN
ejif-2832	97	27	based	base	VERB
ejif-2832	97	28	on	on	ADP
ejif-2832	97	29	shari’ah	shari’ah	PROPN
ejif-2832	97	30	principle	principle	NOUN
ejif-2832	97	31	[	[	X
ejif-2832	97	32	12	12	NUM
ejif-2832	97	33	]	]	PUNCT
ejif-2832	97	34	.	.	PUNCT
ejif-2832	98	1	it	it	PRON
ejif-2832	98	2	is	be	AUX
ejif-2832	98	3	understood	understand	VERB
ejif-2832	98	4	that	that	SCONJ
ejif-2832	98	5	the	the	DET
ejif-2832	98	6	basic	basic	NOUN
ejif-2832	98	7	of	of	ADP
ejif-2832	98	8	islamic	islamic	ADJ
ejif-2832	98	9	finance	finance	NOUN
ejif-2832	98	10	is	be	AUX
ejif-2832	98	11	the	the	DET
ejif-2832	98	12	avoidance	avoidance	NOUN
ejif-2832	98	13	of	of	ADP
ejif-2832	98	14	riba	riba	PROPN
ejif-2832	98	15	.	.	PUNCT
ejif-2832	99	1	however	however	ADV
ejif-2832	99	2	,	,	PUNCT
ejif-2832	99	3	the	the	DET
ejif-2832	99	4	perception	perception	NOUN
ejif-2832	99	5	of	of	ADP
ejif-2832	99	6	indonesian	indonesian	ADJ
ejif-2832	99	7	muslims	muslims	PROPN
ejif-2832	99	8	on	on	ADP
ejif-2832	99	9	banking	banking	NOUN
ejif-2832	99	10	interest	interest	NOUN
ejif-2832	99	11	is	be	AUX
ejif-2832	99	12	still	still	ADV
ejif-2832	99	13	divided	divide	VERB
ejif-2832	99	14	even	even	ADV
ejif-2832	99	15	though	though	SCONJ
ejif-2832	99	16	majlis	majlis	PROPN
ejif-2832	99	17	ulama	ulama	PROPN
ejif-2832	99	18	indonesia	indonesia	PROPN
ejif-2832	99	19	has	have	AUX
ejif-2832	99	20	produced	produce	VERB
ejif-2832	99	21	fatwa	fatwa	PROPN
ejif-2832	99	22	no	no	INTJ
ejif-2832	99	23	.	.	NOUN
ejif-2832	99	24	1	1	NUM
ejif-2832	99	25	in	in	ADP
ejif-2832	99	26	the	the	DET
ejif-2832	99	27	year	year	NOUN
ejif-2832	99	28	2004	2004	NUM
ejif-2832	99	29	to	to	PART
ejif-2832	99	30	forbid	forbid	VERB
ejif-2832	99	31	interest	interest	NOUN
ejif-2832	99	32	rate	rate	NOUN
ejif-2832	99	33	.	.	PUNCT
ejif-2832	100	1	it	it	PRON
ejif-2832	100	2	is	be	AUX
ejif-2832	100	3	important	important	ADJ
ejif-2832	100	4	to	to	PART
ejif-2832	100	5	note	note	VERB
ejif-2832	100	6	that	that	SCONJ
ejif-2832	100	7	the	the	DET
ejif-2832	100	8	perception	perception	NOUN
ejif-2832	100	9	of	of	ADP
ejif-2832	100	10	indonesian	indonesian	ADJ
ejif-2832	100	11	muslims	muslim	NOUN
ejif-2832	100	12	on	on	ADP
ejif-2832	100	13	interest	interest	NOUN
ejif-2832	100	14	is	be	AUX
ejif-2832	100	15	classified	classify	VERB
ejif-2832	100	16	into	into	ADP
ejif-2832	100	17	three	three	NUM
ejif-2832	100	18	groups	group	NOUN
ejif-2832	100	19	:	:	PUNCT
ejif-2832	100	20	a	a	X
ejif-2832	100	21	)	)	PUNCT
ejif-2832	100	22	interest	interest	NOUN
ejif-2832	100	23	is	be	AUX
ejif-2832	100	24	riba	riba	PROPN
ejif-2832	100	25	,	,	PUNCT
ejif-2832	100	26	thus	thus	ADV
ejif-2832	100	27	it	it	PRON
ejif-2832	100	28	is	be	AUX
ejif-2832	100	29	haram	haram	PROPN
ejif-2832	100	30	,	,	PUNCT
ejif-2832	100	31	b	b	NOUN
ejif-2832	100	32	)	)	PUNCT
ejif-2832	100	33	interest	interest	NOUN
ejif-2832	100	34	is	be	AUX
ejif-2832	100	35	halal	halal	NOUN
ejif-2832	100	36	as	as	ADV
ejif-2832	100	37	long	long	ADV
ejif-2832	100	38	as	as	SCONJ
ejif-2832	100	39	there	there	PRON
ejif-2832	100	40	is	be	VERB
ejif-2832	100	41	no	no	DET
ejif-2832	100	42	islamic	islamic	PROPN
ejif-2832	100	43	bank	bank	NOUN
ejif-2832	100	44	,	,	PUNCT
ejif-2832	100	45	and	and	CCONJ
ejif-2832	100	46	c	c	X
ejif-2832	100	47	)	)	PUNCT
ejif-2832	100	48	interest	interest	NOUN
ejif-2832	100	49	is	be	AUX
ejif-2832	100	50	halal	halal	NOUN
ejif-2832	100	51	.	.	PUNCT
ejif-2832	101	1	this	this	DET
ejif-2832	101	2	position	position	NOUN
ejif-2832	101	3	restricts	restrict	VERB
ejif-2832	101	4	the	the	DET
ejif-2832	101	5	opportunity	opportunity	NOUN
ejif-2832	101	6	of	of	ADP
ejif-2832	101	7	islamic	islamic	ADJ
ejif-2832	101	8	finance	finance	NOUN
ejif-2832	101	9	institution	institution	NOUN
ejif-2832	101	10	to	to	PART
ejif-2832	101	11	make	make	VERB
ejif-2832	101	12	ordinary	ordinary	ADJ
ejif-2832	101	13	muslims	muslim	NOUN
ejif-2832	101	14	as	as	ADP
ejif-2832	101	15	their	their	PRON
ejif-2832	101	16	target	target	NOUN
ejif-2832	101	17	market	market	NOUN
ejif-2832	101	18	because	because	SCONJ
ejif-2832	101	19	of	of	ADP
ejif-2832	101	20	the	the	DET
ejif-2832	101	21	different	different	ADJ
ejif-2832	101	22	perception	perception	NOUN
ejif-2832	101	23	on	on	ADP
ejif-2832	101	24	interest	interest	NOUN
ejif-2832	101	25	[	[	X
ejif-2832	101	26	12	12	NUM
ejif-2832	101	27	]	]	PUNCT
ejif-2832	101	28	.	.	PUNCT
ejif-2832	102	1	in	in	ADP
ejif-2832	102	2	the	the	DET
ejif-2832	102	3	case	case	NOUN
ejif-2832	102	4	of	of	ADP
ejif-2832	102	5	aim	aim	NOUN
ejif-2832	102	6	,	,	PUNCT
ejif-2832	102	7	there	there	PRON
ejif-2832	102	8	is	be	VERB
ejif-2832	102	9	zero	zero	NUM
ejif-2832	102	10	cost	cost	NOUN
ejif-2832	102	11	of	of	ADP
ejif-2832	102	12	fund	fund	NOUN
ejif-2832	102	13	because	because	SCONJ
ejif-2832	102	14	financing	financing	NOUN
ejif-2832	102	15	is	be	AUX
ejif-2832	102	16	offered	offer	VERB
ejif-2832	102	17	based	base	VERB
ejif-2832	102	18	on	on	ADP
ejif-2832	102	19	qard	qard	NOUN
ejif-2832	102	20	.	.	PUNCT
ejif-2832	103	1	however	however	ADV
ejif-2832	103	2	,	,	PUNCT
ejif-2832	103	3	a	a	DET
ejif-2832	103	4	10	10	NUM
ejif-2832	103	5	%	%	NOUN
ejif-2832	103	6	service	service	NOUN
ejif-2832	103	7	fee	fee	NOUN
ejif-2832	103	8	called	call	VERB
ejif-2832	103	9	ujrah	ujrah	PROPN
ejif-2832	103	10	is	be	AUX
ejif-2832	103	11	charged	charge	VERB
ejif-2832	103	12	to	to	ADP
ejif-2832	103	13	the	the	DET
ejif-2832	103	14	members	member	NOUN
ejif-2832	103	15	.	.	PUNCT
ejif-2832	104	1	this	this	DET
ejif-2832	104	2	rate	rate	NOUN
ejif-2832	104	3	is	be	AUX
ejif-2832	104	4	unusually	unusually	ADV
ejif-2832	104	5	high	high	ADJ
ejif-2832	104	6	due	due	ADP
ejif-2832	104	7	to	to	ADP
ejif-2832	104	8	the	the	DET
ejif-2832	104	9	unique	unique	ADJ
ejif-2832	104	10	operation	operation	NOUN
ejif-2832	104	11	of	of	ADP
ejif-2832	104	12	aim	aim	NOUN
ejif-2832	104	13	and	and	CCONJ
ejif-2832	104	14	is	be	AUX
ejif-2832	104	15	suggested	suggest	VERB
ejif-2832	104	16	to	to	PART
ejif-2832	104	17	be	be	AUX
ejif-2832	104	18	waived	waive	VERB
ejif-2832	104	19	or	or	CCONJ
ejif-2832	104	20	kept	keep	VERB
ejif-2832	104	21	to	to	AUX
ejif-2832	104	22	minimum	minimum	NOUN
ejif-2832	104	23	to	to	PART
ejif-2832	104	24	honour	honour	VERB
ejif-2832	104	25	the	the	DET
ejif-2832	104	26	spirit	spirit	NOUN
ejif-2832	104	27	of	of	ADP
ejif-2832	104	28	qard	qard	PROPN
ejif-2832	104	29	hassan	hassan	PROPN
ejif-2832	104	30	and	and	CCONJ
ejif-2832	104	31	offered	offer	VERB
ejif-2832	104	32	to	to	ADP
ejif-2832	104	33	the	the	DET
ejif-2832	104	34	hard	hard	ADJ
ejif-2832	104	35	core	core	NOUN
ejif-2832	104	36	poor	poor	ADJ
ejif-2832	105	1	only	only	ADV
ejif-2832	105	2	[	[	X
ejif-2832	105	3	13	13	NUM
ejif-2832	105	4	]	]	PUNCT
ejif-2832	105	5	.	.	PUNCT
ejif-2832	106	1	offering	offer	VERB
ejif-2832	106	2	loan	loan	NOUN
ejif-2832	106	3	in	in	ADP
ejif-2832	106	4	the	the	DET
ejif-2832	106	5	form	form	NOUN
ejif-2832	106	6	of	of	ADP
ejif-2832	106	7	qard	qard	NOUN
ejif-2832	106	8	by	by	ADP
ejif-2832	106	9	charging	charge	VERB
ejif-2832	106	10	service	service	NOUN
ejif-2832	106	11	fee	fee	NOUN
ejif-2832	106	12	resembles	resemble	VERB
ejif-2832	106	13	conventional	conventional	ADJ
ejif-2832	106	14	loan	loan	NOUN
ejif-2832	106	15	to	to	ADP
ejif-2832	106	16	the	the	DET
ejif-2832	106	17	eye	eye	NOUN
ejif-2832	106	18	of	of	ADP
ejif-2832	106	19	the	the	DET
ejif-2832	106	20	public	public	NOUN
ejif-2832	106	21	.	.	PUNCT
ejif-2832	107	1	therefore	therefore	ADV
ejif-2832	107	2	,	,	PUNCT
ejif-2832	107	3	aim	aim	VERB
ejif-2832	107	4	as	as	SCONJ
ejif-2832	107	5	an	an	DET
ejif-2832	107	6	imfi	imfi	NOUN
ejif-2832	107	7	should	should	AUX
ejif-2832	107	8	consider	consider	VERB
ejif-2832	107	9	introducing	introduce	VERB
ejif-2832	107	10	islamic	islamic	ADJ
ejif-2832	107	11	microfinance	microfinance	NOUN
ejif-2832	107	12	products	product	NOUN
ejif-2832	107	13	based	base	VERB
ejif-2832	107	14	on	on	ADP
ejif-2832	107	15	equity	equity	NOUN
ejif-2832	107	16	based	base	VERB
ejif-2832	107	17	financing	financing	NOUN
ejif-2832	107	18	such	such	ADJ
ejif-2832	107	19	as	as	ADP
ejif-2832	107	20	mudharabah	mudharabah	NOUN
ejif-2832	107	21	and	and	CCONJ
ejif-2832	107	22	musharakah	musharakah	NOUN
ejif-2832	107	23	to	to	ADP
ejif-2832	107	24	the	the	DET
ejif-2832	107	25	poor	poor	ADJ
ejif-2832	107	26	customers	customer	NOUN
ejif-2832	107	27	.	.	PUNCT
ejif-2832	108	1	by	by	ADP
ejif-2832	108	2	introducing	introduce	VERB
ejif-2832	108	3	islamic	islamic	ADJ
ejif-2832	108	4	microfinance	microfinance	NOUN
ejif-2832	108	5	products	product	NOUN
ejif-2832	108	6	,	,	PUNCT
ejif-2832	108	7	aim	aim	NOUN
ejif-2832	108	8	will	will	AUX
ejif-2832	108	9	not	not	PART
ejif-2832	108	10	only	only	ADV
ejif-2832	108	11	become	become	VERB
ejif-2832	108	12	credit	credit	NOUN
ejif-2832	108	13	provider	provider	NOUN
ejif-2832	108	14	but	but	CCONJ
ejif-2832	108	15	more	more	ADV
ejif-2832	108	16	importantly	importantly	ADV
ejif-2832	108	17	,	,	PUNCT
ejif-2832	108	18	a	a	DET
ejif-2832	108	19	business	business	NOUN
ejif-2832	108	20	partner	partner	NOUN
ejif-2832	108	21	to	to	ADP
ejif-2832	108	22	its	its	PRON
ejif-2832	108	23	clients	client	NOUN
ejif-2832	108	24	to	to	PART
ejif-2832	108	25	foster	foster	VERB
ejif-2832	108	26	their	their	PRON
ejif-2832	108	27	businesses	business	NOUN
ejif-2832	108	28	and	and	CCONJ
ejif-2832	108	29	provide	provide	VERB
ejif-2832	108	30	guidance	guidance	NOUN
ejif-2832	108	31	to	to	ADP
ejif-2832	108	32	the	the	DET
ejif-2832	108	33	clients	client	NOUN
ejif-2832	108	34	to	to	PART
ejif-2832	108	35	elevate	elevate	VERB
ejif-2832	108	36	themselves	themselves	PRON
ejif-2832	108	37	from	from	ADP
ejif-2832	108	38	the	the	DET
ejif-2832	108	39	vicious	vicious	ADJ
ejif-2832	108	40	chains	chain	NOUN
ejif-2832	108	41	of	of	ADP
ejif-2832	108	42	poverty	poverty	NOUN
ejif-2832	108	43	c.	c.	PROPN
ejif-2832	108	44	legal	legal	ADJ
ejif-2832	108	45	or	or	CCONJ
ejif-2832	108	46	structural	structural	ADJ
ejif-2832	108	47	problem	problem	NOUN
ejif-2832	108	48	and	and	CCONJ
ejif-2832	108	49	standardization	standardization	NOUN
ejif-2832	108	50	on	on	ADP
ejif-2832	108	51	establishment	establishment	NOUN
ejif-2832	108	52	and	and	CCONJ
ejif-2832	108	53	operations	operation	NOUN
ejif-2832	108	54	to	to	ADP
ejif-2832	108	55	date	date	NOUN
ejif-2832	108	56	,	,	PUNCT
ejif-2832	108	57	there	there	PRON
ejif-2832	108	58	is	be	VERB
ejif-2832	108	59	no	no	DET
ejif-2832	108	60	specific	specific	ADJ
ejif-2832	108	61	act	act	NOUN
ejif-2832	108	62	or	or	CCONJ
ejif-2832	108	63	regulation	regulation	NOUN
ejif-2832	108	64	on	on	ADP
ejif-2832	108	65	bmt	bmt	NOUN
ejif-2832	108	66	in	in	ADP
ejif-2832	108	67	indonesia	indonesia	PROPN
ejif-2832	108	68	.	.	PUNCT
ejif-2832	109	1	the	the	DET
ejif-2832	109	2	existence	existence	NOUN
ejif-2832	109	3	of	of	ADP
ejif-2832	109	4	bmt	bmt	PROPN
ejif-2832	109	5	is	be	AUX
ejif-2832	109	6	based	base	VERB
ejif-2832	109	7	on	on	ADP
ejif-2832	109	8	act	act	NOUN
ejif-2832	109	9	of	of	ADP
ejif-2832	109	10	cooperation	cooperation	NOUN
ejif-2832	109	11	and	and	CCONJ
ejif-2832	109	12	ministerial	ministerial	ADJ
ejif-2832	109	13	decree	decree	NOUN
ejif-2832	109	14	about	about	ADP
ejif-2832	109	15	kjks	kjks	PROPN
ejif-2832	109	16	(	(	PUNCT
ejif-2832	109	17	koperasi	koperasi	PROPN
ejif-2832	109	18	jasa	jasa	PROPN
ejif-2832	109	19	keuangan	keuangan	VERB
ejif-2832	109	20	syariah	syariah	PROPN
ejif-2832	109	21	/cooperation	/cooperation	PUNCT
ejif-2832	109	22	for	for	ADP
ejif-2832	109	23	shari’ah	shari’ah	NOUN
ejif-2832	109	24	finance	finance	NOUN
ejif-2832	109	25	services	service	NOUN
ejif-2832	109	26	)	)	PUNCT
ejif-2832	109	27	.	.	PUNCT
ejif-2832	110	1	this	this	PRON
ejif-2832	110	2	means	mean	VERB
ejif-2832	110	3	that	that	DET
ejif-2832	110	4	bmt	bmt	NOUN
ejif-2832	110	5	is	be	AUX
ejif-2832	110	6	still	still	ADV
ejif-2832	110	7	governed	govern	VERB
ejif-2832	110	8	by	by	ADP
ejif-2832	110	9	the	the	DET
ejif-2832	110	10	conventional	conventional	ADJ
ejif-2832	110	11	system	system	NOUN
ejif-2832	110	12	.	.	PUNCT
ejif-2832	111	1	the	the	DET
ejif-2832	111	2	act	act	NOUN
ejif-2832	111	3	of	of	ADP
ejif-2832	111	4	cooperation	cooperation	NOUN
ejif-2832	111	5	only	only	ADV
ejif-2832	111	6	regulates	regulate	VERB
ejif-2832	111	7	cooperations	cooperation	NOUN
ejif-2832	111	8	in	in	ADP
ejif-2832	111	9	conventional	conventional	ADJ
ejif-2832	111	10	structure	structure	NOUN
ejif-2832	111	11	.	.	PUNCT
ejif-2832	112	1	in	in	ADP
ejif-2832	112	2	indonesia	indonesia	PROPN
ejif-2832	112	3	,	,	PUNCT
ejif-2832	112	4	islamic	islamic	ADJ
ejif-2832	112	5	banks	bank	NOUN
ejif-2832	112	6	are	be	AUX
ejif-2832	112	7	regulated	regulate	VERB
ejif-2832	112	8	by	by	ADP
ejif-2832	112	9	a	a	DET
ejif-2832	112	10	specific	specific	ADJ
ejif-2832	112	11	act	act	NOUN
ejif-2832	112	12	(	(	PUNCT
ejif-2832	112	13	act	act	PROPN
ejif-2832	112	14	.	.	PUNCT
ejif-2832	113	1	no	no	INTJ
ejif-2832	113	2	.	.	NOUN
ejif-2832	113	3	21	21	NUM
ejif-2832	113	4	year	year	NOUN
ejif-2832	113	5	2008	2008	NUM
ejif-2832	113	6	)	)	PUNCT
ejif-2832	113	7	.	.	PUNCT
ejif-2832	114	1	there	there	PRON
ejif-2832	114	2	is	be	VERB
ejif-2832	114	3	no	no	DET
ejif-2832	114	4	formal	formal	ADJ
ejif-2832	114	5	standardized	standardized	ADJ
ejif-2832	114	6	regulation	regulation	NOUN
ejif-2832	114	7	for	for	ADP
ejif-2832	114	8	bmt	bmt	NOUN
ejif-2832	114	9	.	.	PUNCT
ejif-2832	115	1	this	this	DET
ejif-2832	115	2	problem	problem	NOUN
ejif-2832	115	3	affects	affect	VERB
ejif-2832	115	4	the	the	DET
ejif-2832	115	5	stability	stability	NOUN
ejif-2832	115	6	of	of	ADP
ejif-2832	115	7	bmt	bmt	ADJ
ejif-2832	115	8	presence	presence	NOUN
ejif-2832	115	9	because	because	SCONJ
ejif-2832	115	10	it	it	PRON
ejif-2832	115	11	gives	give	VERB
ejif-2832	115	12	opportunity	opportunity	NOUN
ejif-2832	115	13	for	for	ADP
ejif-2832	115	14	many	many	ADJ
ejif-2832	115	15	“	"	PUNCT
ejif-2832	115	16	blind	blind	ADJ
ejif-2832	115	17	passengers	passenger	NOUN
ejif-2832	115	18	”	"	PUNCT
ejif-2832	115	19	to	to	PART
ejif-2832	115	20	manipulate	manipulate	VERB
ejif-2832	115	21	the	the	DET
ejif-2832	115	22	noble	noble	ADJ
ejif-2832	115	23	aims	aim	NOUN
ejif-2832	115	24	of	of	ADP
ejif-2832	115	25	bmt	bmt	NOUN
ejif-2832	115	26	for	for	ADP
ejif-2832	115	27	their	their	PRON
ejif-2832	115	28	own	own	ADJ
ejif-2832	115	29	interest	interest	NOUN
ejif-2832	115	30	such	such	ADJ
ejif-2832	115	31	as	as	ADP
ejif-2832	115	32	accumulating	accumulate	VERB
ejif-2832	115	33	wealth	wealth	NOUN
ejif-2832	115	34	,	,	PUNCT
ejif-2832	115	35	getting	get	VERB
ejif-2832	115	36	higher	high	ADJ
ejif-2832	115	37	benefit	benefit	NOUN
ejif-2832	115	38	and	and	CCONJ
ejif-2832	115	39	misusing	misuse	VERB
ejif-2832	115	40	depositor	depositor	NOUN
ejif-2832	115	41	fund	fund	NOUN
ejif-2832	115	42	for	for	ADP
ejif-2832	115	43	their	their	PRON
ejif-2832	115	44	own	own	ADJ
ejif-2832	115	45	business	business	NOUN
ejif-2832	115	46	.	.	PUNCT
ejif-2832	116	1	the	the	DET
ejif-2832	116	2	conduct	conduct	NOUN
ejif-2832	116	3	of	of	ADP
ejif-2832	116	4	the	the	DET
ejif-2832	116	5	business	business	NOUN
ejif-2832	116	6	of	of	ADP
ejif-2832	116	7	bmt	bmt	NOUN
ejif-2832	116	8	become	become	VERB
ejif-2832	116	9	unethical	unethical	ADJ
ejif-2832	116	10	and	and	CCONJ
ejif-2832	116	11	opposite	opposite	ADJ
ejif-2832	116	12	to	to	PART
ejif-2832	116	13	shari’ah	shari’ah	NOUN
ejif-2832	116	14	and	and	CCONJ
ejif-2832	116	15	practical	practical	ADJ
ejif-2832	116	16	principle	principle	NOUN
ejif-2832	116	17	.	.	PUNCT
ejif-2832	117	1	since	since	SCONJ
ejif-2832	117	2	there	there	PRON
ejif-2832	117	3	is	be	VERB
ejif-2832	117	4	no	no	DET
ejif-2832	117	5	act	act	NOUN
ejif-2832	117	6	,	,	PUNCT
ejif-2832	117	7	regulation	regulation	NOUN
ejif-2832	117	8	or	or	CCONJ
ejif-2832	117	9	standardization	standardization	NOUN
ejif-2832	117	10	for	for	ADP
ejif-2832	117	11	bmt	bmt	NOUN
ejif-2832	117	12	’s	’s	PART
ejif-2832	117	13	establishment	establishment	NOUN
ejif-2832	117	14	and	and	CCONJ
ejif-2832	117	15	operation	operation	NOUN
ejif-2832	117	16	,	,	PUNCT
ejif-2832	117	17	fraud	fraud	NOUN
ejif-2832	117	18	cases	case	NOUN
ejif-2832	117	19	can	can	AUX
ejif-2832	117	20	not	not	PART
ejif-2832	117	21	be	be	AUX
ejif-2832	117	22	taken	take	VERB
ejif-2832	117	23	into	into	ADP
ejif-2832	117	24	court	court	NOUN
ejif-2832	117	25	of	of	ADP
ejif-2832	117	26	law	law	NOUN
ejif-2832	117	27	and	and	CCONJ
ejif-2832	117	28	punished	punish	VERB
ejif-2832	117	29	.	.	PUNCT
ejif-2832	118	1	the	the	DET
ejif-2832	118	2	consequence	consequence	NOUN
ejif-2832	118	3	of	of	ADP
ejif-2832	118	4	their	their	PRON
ejif-2832	118	5	activity	activity	NOUN
ejif-2832	118	6	is	be	AUX
ejif-2832	118	7	that	that	SCONJ
ejif-2832	118	8	the	the	DET
ejif-2832	118	9	reputation	reputation	NOUN
ejif-2832	118	10	of	of	ADP
ejif-2832	118	11	bmt	bmt	NOUN
ejif-2832	118	12	in	in	ADP
ejif-2832	118	13	the	the	DET
ejif-2832	118	14	society	society	NOUN
ejif-2832	118	15	is	be	AUX
ejif-2832	118	16	damaged	damage	VERB
ejif-2832	118	17	and	and	CCONJ
ejif-2832	118	18	compromised	compromise	VERB
ejif-2832	118	19	[	[	X
ejif-2832	118	20	12	12	NUM
ejif-2832	118	21	]	]	PUNCT
ejif-2832	118	22	.	.	PUNCT
ejif-2832	119	1	there	there	PRON
ejif-2832	119	2	is	be	VERB
ejif-2832	119	3	also	also	ADV
ejif-2832	119	4	lack	lack	NOUN
ejif-2832	119	5	of	of	ADP
ejif-2832	119	6	legal	legal	ADJ
ejif-2832	119	7	support	support	NOUN
ejif-2832	119	8	from	from	ADP
ejif-2832	119	9	government	government	NOUN
ejif-2832	119	10	to	to	PART
ejif-2832	119	11	bmt	bmt	VERB
ejif-2832	119	12	.	.	PUNCT
ejif-2832	120	1	some	some	PRON
ejif-2832	120	2	of	of	ADP
ejif-2832	120	3	the	the	DET
ejif-2832	120	4	issues	issue	NOUN
ejif-2832	120	5	are	be	AUX
ejif-2832	120	6	bmt	bmt	ADJ
ejif-2832	120	7	in	in	ADP
ejif-2832	120	8	indonesia	indonesia	PROPN
ejif-2832	120	9	is	be	AUX
ejif-2832	120	10	not	not	PART
ejif-2832	120	11	governed	govern	VERB
ejif-2832	120	12	by	by	ADP
ejif-2832	120	13	legal	legal	ADJ
ejif-2832	120	14	provisions	provision	NOUN
ejif-2832	120	15	and	and	CCONJ
ejif-2832	120	16	there	there	PRON
ejif-2832	120	17	is	be	VERB
ejif-2832	120	18	no	no	DET
ejif-2832	120	19	suitable	suitable	ADJ
ejif-2832	120	20	supervision	supervision	NOUN
ejif-2832	120	21	and	and	CCONJ
ejif-2832	120	22	guidance	guidance	NOUN
ejif-2832	120	23	system	system	NOUN
ejif-2832	120	24	.	.	PUNCT
ejif-2832	121	1	this	this	DET
ejif-2832	121	2	legal	legal	ADJ
ejif-2832	121	3	support	support	NOUN
ejif-2832	121	4	issues	issue	NOUN
ejif-2832	121	5	become	become	VERB
ejif-2832	121	6	important	important	ADJ
ejif-2832	121	7	considering	consider	VERB
ejif-2832	121	8	the	the	DET
ejif-2832	121	9	fact	fact	NOUN
ejif-2832	121	10	that	that	DET
ejif-2832	121	11	bmt	bmt	PROPN
ejif-2832	121	12	is	be	AUX
ejif-2832	121	13	the	the	DET
ejif-2832	121	14	ejif	ejif	PROPN
ejif-2832	121	15	–	–	PUNCT
ejif-2832	121	16	european	european	PROPN
ejif-2832	121	17	journal	journal	PROPN
ejif-2832	121	18	of	of	ADP
ejif-2832	121	19	islamic	islamic	PROPN
ejif-2832	121	20	finance	finance	PROPN
ejif-2832	121	21	no15	no15	PROPN
ejif-2832	121	22	,	,	PUNCT
ejif-2832	121	23	august	august	PROPN
ejif-2832	121	24	(	(	PUNCT
ejif-2832	121	25	2020	2020	NUM
ejif-2832	121	26	)	)	PUNCT
ejif-2832	122	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	122	2	issn	issn	VERB
ejif-2832	122	3	2421	2421	NUM
ejif-2832	122	4	-	-	SYM
ejif-2832	122	5	2172	2172	NUM
ejif-2832	122	6	4	4	NUM
ejif-2832	122	7	organization	organization	NOUN
ejif-2832	122	8	that	that	PRON
ejif-2832	122	9	administers	administer	VERB
ejif-2832	122	10	and	and	CCONJ
ejif-2832	122	11	manages	manage	VERB
ejif-2832	122	12	society	society	NOUN
ejif-2832	122	13	’s	’s	PART
ejif-2832	122	14	funds	fund	NOUN
ejif-2832	122	15	.	.	PUNCT
ejif-2832	123	1	banks	bank	NOUN
ejif-2832	123	2	have	have	VERB
ejif-2832	123	3	deposit	deposit	NOUN
ejif-2832	123	4	insurance	insurance	NOUN
ejif-2832	123	5	agencies	agency	NOUN
ejif-2832	123	6	in	in	ADP
ejif-2832	123	7	the	the	DET
ejif-2832	123	8	event	event	NOUN
ejif-2832	123	9	of	of	ADP
ejif-2832	123	10	liquidation	liquidation	NOUN
ejif-2832	123	11	but	but	CCONJ
ejif-2832	123	12	bmt	bmt	NOUN
ejif-2832	123	13	does	do	AUX
ejif-2832	123	14	not	not	PART
ejif-2832	123	15	have	have	VERB
ejif-2832	123	16	this	this	DET
ejif-2832	123	17	kind	kind	NOUN
ejif-2832	123	18	of	of	ADP
ejif-2832	123	19	support	support	NOUN
ejif-2832	123	20	.	.	PUNCT
ejif-2832	124	1	the	the	DET
ejif-2832	124	2	absence	absence	NOUN
ejif-2832	124	3	of	of	ADP
ejif-2832	124	4	a	a	DET
ejif-2832	124	5	clear	clear	ADJ
ejif-2832	124	6	legal	legal	ADJ
ejif-2832	124	7	framework	framework	NOUN
ejif-2832	124	8	may	may	AUX
ejif-2832	124	9	also	also	ADV
ejif-2832	124	10	lead	lead	VERB
ejif-2832	124	11	to	to	ADP
ejif-2832	124	12	the	the	DET
ejif-2832	124	13	inaccessibility	inaccessibility	NOUN
ejif-2832	124	14	of	of	ADP
ejif-2832	124	15	deposit	deposit	NOUN
ejif-2832	124	16	insurance	insurance	NOUN
ejif-2832	124	17	agency	agency	NOUN
ejif-2832	124	18	.	.	PUNCT
ejif-2832	125	1	thus	thus	ADV
ejif-2832	125	2	,	,	PUNCT
ejif-2832	125	3	public	public	ADJ
ejif-2832	125	4	savings	saving	NOUN
ejif-2832	125	5	collected	collect	VERB
ejif-2832	125	6	by	by	ADP
ejif-2832	125	7	bmt	bmt	NOUN
ejif-2832	125	8	is	be	AUX
ejif-2832	125	9	not	not	PART
ejif-2832	125	10	properly	properly	ADV
ejif-2832	125	11	protected	protect	VERB
ejif-2832	125	12	[	[	X
ejif-2832	125	13	14	14	NUM
ejif-2832	125	14	]	]	PUNCT
ejif-2832	125	15	.	.	PUNCT
ejif-2832	126	1	aim	aim	VERB
ejif-2832	126	2	,	,	PUNCT
ejif-2832	126	3	on	on	ADP
ejif-2832	126	4	the	the	DET
ejif-2832	126	5	other	other	ADJ
ejif-2832	126	6	hand	hand	NOUN
ejif-2832	126	7	,	,	PUNCT
ejif-2832	126	8	is	be	AUX
ejif-2832	126	9	a	a	DET
ejif-2832	126	10	private	private	ADJ
ejif-2832	126	11	trust	trust	NOUN
ejif-2832	126	12	body	body	NOUN
ejif-2832	126	13	that	that	PRON
ejif-2832	126	14	was	be	AUX
ejif-2832	126	15	established	establish	VERB
ejif-2832	126	16	on	on	ADP
ejif-2832	126	17	17	17	NUM
ejif-2832	126	18	september	september	PROPN
ejif-2832	126	19	1987	1987	NUM
ejif-2832	126	20	and	and	CCONJ
ejif-2832	126	21	has	have	AUX
ejif-2832	126	22	been	be	AUX
ejif-2832	126	23	registered	register	VERB
ejif-2832	126	24	under	under	ADP
ejif-2832	126	25	trust	trust	PROPN
ejif-2832	126	26	act	act	PROPN
ejif-2832	126	27	1952	1952	NUM
ejif-2832	126	28	amendment	amendment	NOUN
ejif-2832	126	29	1981	1981	NUM
ejif-2832	126	30	(	(	PUNCT
ejif-2832	126	31	act	act	NOUN
ejif-2832	126	32	258	258	NUM
ejif-2832	126	33	)	)	PUNCT
ejif-2832	126	34	.	.	PUNCT
ejif-2832	127	1	the	the	DET
ejif-2832	127	2	establishment	establishment	NOUN
ejif-2832	127	3	of	of	ADP
ejif-2832	127	4	aim	aim	NOUN
ejif-2832	127	5	is	be	AUX
ejif-2832	127	6	an	an	DET
ejif-2832	127	7	effort	effort	NOUN
ejif-2832	127	8	of	of	ADP
ejif-2832	127	9	“	"	PUNCT
ejif-2832	127	10	ikhtiar	ikhtiar	ADJ
ejif-2832	127	11	project	project	NOUN
ejif-2832	127	12	”	"	PUNCT
ejif-2832	127	13	which	which	PRON
ejif-2832	127	14	was	be	AUX
ejif-2832	127	15	a	a	DET
ejif-2832	127	16	research	research	NOUN
ejif-2832	127	17	project	project	NOUN
ejif-2832	127	18	led	lead	VERB
ejif-2832	127	19	by	by	ADP
ejif-2832	127	20	professor	professor	PROPN
ejif-2832	127	21	david	david	PROPN
ejif-2832	127	22	s.	s.	PROPN
ejif-2832	127	23	gibbons	gibbons	PROPN
ejif-2832	127	24	and	and	CCONJ
ejif-2832	127	25	professor	professor	PROPN
ejif-2832	127	26	sukor	sukor	PROPN
ejif-2832	127	27	kassim	kassim	PROPN
ejif-2832	128	1	[	[	X
ejif-2832	128	2	15	15	NUM
ejif-2832	128	3	]	]	PUNCT
ejif-2832	128	4	.	.	PUNCT
ejif-2832	129	1	as	as	ADP
ejif-2832	129	2	a	a	DET
ejif-2832	129	3	registered	register	VERB
ejif-2832	129	4	private	private	ADJ
ejif-2832	129	5	trust	trust	NOUN
ejif-2832	129	6	body	body	NOUN
ejif-2832	129	7	,	,	PUNCT
ejif-2832	129	8	aim	aim	NOUN
ejif-2832	129	9	is	be	AUX
ejif-2832	129	10	being	be	AUX
ejif-2832	129	11	governed	govern	VERB
ejif-2832	129	12	by	by	ADP
ejif-2832	129	13	lembaga	lembaga	PROPN
ejif-2832	129	14	amanah	amanah	PROPN
ejif-2832	129	15	ikhtiar	ikhtiar	VERB
ejif-2832	129	16	malaysia	malaysia	PROPN
ejif-2832	129	17	mainly	mainly	ADV
ejif-2832	129	18	by	by	ADP
ejif-2832	129	19	the	the	DET
ejif-2832	129	20	board	board	NOUN
ejif-2832	129	21	of	of	ADP
ejif-2832	129	22	trustee	trustee	NOUN
ejif-2832	129	23	in	in	ADP
ejif-2832	129	24	which	which	PRON
ejif-2832	129	25	the	the	DET
ejif-2832	129	26	membership	membership	NOUN
ejif-2832	129	27	consists	consist	VERB
ejif-2832	129	28	of	of	ADP
ejif-2832	129	29	economic	economic	ADJ
ejif-2832	129	30	planning	planning	NOUN
ejif-2832	129	31	unit	unit	NOUN
ejif-2832	129	32	and	and	CCONJ
ejif-2832	129	33	implementation	implementation	NOUN
ejif-2832	129	34	coordinator	coordinator	NOUN
ejif-2832	129	35	unit	unit	NOUN
ejif-2832	129	36	from	from	ADP
ejif-2832	129	37	the	the	DET
ejif-2832	129	38	prime	prime	PROPN
ejif-2832	129	39	minister	minister	PROPN
ejif-2832	129	40	department	department	PROPN
ejif-2832	129	41	,	,	PUNCT
ejif-2832	129	42	ministry	ministry	PROPN
ejif-2832	129	43	of	of	ADP
ejif-2832	129	44	finance	finance	PROPN
ejif-2832	129	45	malaysia	malaysia	PROPN
ejif-2832	129	46	,	,	PUNCT
ejif-2832	129	47	ministry	ministry	PROPN
ejif-2832	129	48	of	of	ADP
ejif-2832	129	49	rural	rural	ADJ
ejif-2832	129	50	and	and	CCONJ
ejif-2832	129	51	regional	regional	ADJ
ejif-2832	129	52	development	development	NOUN
ejif-2832	129	53	,	,	PUNCT
ejif-2832	129	54	state	state	NOUN
ejif-2832	129	55	representatives	representative	NOUN
ejif-2832	129	56	and	and	CCONJ
ejif-2832	129	57	some	some	DET
ejif-2832	129	58	other	other	ADJ
ejif-2832	129	59	members	member	NOUN
ejif-2832	129	60	that	that	PRON
ejif-2832	129	61	were	be	AUX
ejif-2832	129	62	appointed	appoint	VERB
ejif-2832	129	63	based	base	VERB
ejif-2832	129	64	on	on	ADP
ejif-2832	129	65	individual	individual	ADJ
ejif-2832	129	66	capacity	capacity	NOUN
ejif-2832	129	67	.	.	PUNCT
ejif-2832	130	1	the	the	DET
ejif-2832	130	2	members	member	NOUN
ejif-2832	130	3	of	of	ADP
ejif-2832	130	4	the	the	DET
ejif-2832	130	5	board	board	NOUN
ejif-2832	130	6	of	of	ADP
ejif-2832	130	7	trustee	trustee	NOUN
ejif-2832	130	8	have	have	VERB
ejif-2832	130	9	the	the	DET
ejif-2832	130	10	responsibility	responsibility	NOUN
ejif-2832	130	11	to	to	PART
ejif-2832	130	12	ensure	ensure	VERB
ejif-2832	130	13	the	the	DET
ejif-2832	130	14	administration	administration	NOUN
ejif-2832	130	15	,	,	PUNCT
ejif-2832	130	16	operation	operation	NOUN
ejif-2832	130	17	,	,	PUNCT
ejif-2832	130	18	distribution	distribution	NOUN
ejif-2832	130	19	of	of	ADP
ejif-2832	130	20	fund	fund	NOUN
ejif-2832	130	21	and	and	CCONJ
ejif-2832	130	22	the	the	DET
ejif-2832	130	23	implementation	implementation	NOUN
ejif-2832	130	24	of	of	ADP
ejif-2832	130	25	project	project	NOUN
ejif-2832	130	26	initiated	initiate	VERB
ejif-2832	130	27	for	for	ADP
ejif-2832	130	28	sahabat	sahabat	NOUN
ejif-2832	130	29	of	of	ADP
ejif-2832	130	30	aim	aim	NOUN
ejif-2832	130	31	conducted	conduct	VERB
ejif-2832	130	32	with	with	ADP
ejif-2832	130	33	due	due	ADJ
ejif-2832	130	34	diligence	diligence	NOUN
ejif-2832	130	35	without	without	ADP
ejif-2832	130	36	any	any	DET
ejif-2832	130	37	misappropriation	misappropriation	NOUN
ejif-2832	130	38	.	.	PUNCT
ejif-2832	131	1	the	the	DET
ejif-2832	131	2	operation	operation	NOUN
ejif-2832	131	3	of	of	ADP
ejif-2832	131	4	aim	aim	NOUN
ejif-2832	131	5	is	be	AUX
ejif-2832	131	6	based	base	VERB
ejif-2832	131	7	on	on	ADP
ejif-2832	131	8	the	the	DET
ejif-2832	131	9	mandate	mandate	NOUN
ejif-2832	131	10	given	give	VERB
ejif-2832	131	11	by	by	ADP
ejif-2832	131	12	the	the	DET
ejif-2832	131	13	government	government	NOUN
ejif-2832	131	14	.	.	PUNCT
ejif-2832	132	1	in	in	ADP
ejif-2832	132	2	2013	2013	NUM
ejif-2832	132	3	,	,	PUNCT
ejif-2832	132	4	this	this	DET
ejif-2832	132	5	institution	institution	NOUN
ejif-2832	132	6	was	be	AUX
ejif-2832	132	7	entrusted	entrust	VERB
ejif-2832	132	8	with	with	ADP
ejif-2832	132	9	rm	rm	PROPN
ejif-2832	132	10	300	300	NUM
ejif-2832	132	11	million	million	NUM
ejif-2832	132	12	to	to	PART
ejif-2832	132	13	benefit	benefit	VERB
ejif-2832	132	14	over	over	ADP
ejif-2832	132	15	500,000	500,000	NUM
ejif-2832	132	16	borrowers	borrower	NOUN
ejif-2832	132	17	by	by	ADP
ejif-2832	132	18	2015	2015	NUM
ejif-2832	133	1	[	[	X
ejif-2832	133	2	16	16	NUM
ejif-2832	133	3	]	]	PUNCT
ejif-2832	133	4	.	.	PUNCT
ejif-2832	134	1	d.	d.	PROPN
ejif-2832	134	2	standardization	standardization	NOUN
ejif-2832	134	3	of	of	ADP
ejif-2832	134	4	shari’ah	shari’ah	PROPN
ejif-2832	134	5	supervisory	supervisory	ADJ
ejif-2832	134	6	board	board	NOUN
ejif-2832	134	7	authors	author	NOUN
ejif-2832	134	8	and	and	CCONJ
ejif-2832	134	9	affiliations	affiliation	NOUN
ejif-2832	134	10	on	on	ADP
ejif-2832	134	11	the	the	DET
ejif-2832	134	12	topic	topic	NOUN
ejif-2832	134	13	of	of	ADP
ejif-2832	134	14	the	the	DET
ejif-2832	134	15	shari’ah	shari’ah	NOUN
ejif-2832	134	16	compliance	compliance	NOUN
ejif-2832	134	17	monitoring	monitoring	NOUN
ejif-2832	134	18	,	,	PUNCT
ejif-2832	134	19	dewan	dewan	PROPN
ejif-2832	134	20	shari’ah	shari’ah	PROPN
ejif-2832	134	21	nasional	nasional	PROPN
ejif-2832	134	22	majlis	majlis	PROPN
ejif-2832	134	23	ulama	ulama	PROPN
ejif-2832	134	24	indonesia	indonesia	PROPN
ejif-2832	134	25	(	(	PUNCT
ejif-2832	134	26	dsn	dsn	PROPN
ejif-2832	134	27	mui	mui	NOUN
ejif-2832	134	28	)	)	PUNCT
ejif-2832	134	29	has	have	AUX
ejif-2832	134	30	appointed	appoint	VERB
ejif-2832	134	31	shari’ah	shari’ah	PROPN
ejif-2832	134	32	supervisory	supervisory	ADJ
ejif-2832	134	33	board	board	NOUN
ejif-2832	134	34	(	(	PUNCT
ejif-2832	134	35	ssb	ssb	PROPN
ejif-2832	134	36	)	)	PUNCT
ejif-2832	134	37	in	in	ADP
ejif-2832	134	38	each	each	DET
ejif-2832	134	39	islamic	islamic	ADJ
ejif-2832	134	40	financial	financial	ADJ
ejif-2832	134	41	institutions	institution	NOUN
ejif-2832	134	42	(	(	PUNCT
ejif-2832	134	43	ifis	ifis	PROPN
ejif-2832	134	44	)	)	PUNCT
ejif-2832	134	45	representing	represent	VERB
ejif-2832	134	46	dsn	dsn	PROPN
ejif-2832	134	47	mui	mui	NOUN
ejif-2832	134	48	to	to	PART
ejif-2832	134	49	supervise	supervise	VERB
ejif-2832	134	50	and	and	CCONJ
ejif-2832	134	51	ensure	ensure	VERB
ejif-2832	134	52	that	that	SCONJ
ejif-2832	134	53	the	the	DET
ejif-2832	134	54	ifis	ifis	NOUN
ejif-2832	134	55	operate	operate	VERB
ejif-2832	134	56	according	accord	VERB
ejif-2832	134	57	to	to	ADP
ejif-2832	134	58	islamic	islamic	ADJ
ejif-2832	134	59	principles	principle	NOUN
ejif-2832	134	60	.	.	PUNCT
ejif-2832	135	1	however	however	ADV
ejif-2832	135	2	,	,	PUNCT
ejif-2832	135	3	the	the	DET
ejif-2832	135	4	presence	presence	NOUN
ejif-2832	135	5	of	of	ADP
ejif-2832	135	6	ssb	ssb	PROPN
ejif-2832	135	7	in	in	ADP
ejif-2832	135	8	every	every	DET
ejif-2832	135	9	ifis	ifis	NOUN
ejif-2832	135	10	does	do	AUX
ejif-2832	135	11	not	not	PART
ejif-2832	135	12	make	make	VERB
ejif-2832	135	13	the	the	DET
ejif-2832	135	14	general	general	ADJ
ejif-2832	135	15	public	public	ADJ
ejif-2832	135	16	feel	feel	NOUN
ejif-2832	135	17	reassured	reassure	VERB
ejif-2832	135	18	because	because	SCONJ
ejif-2832	135	19	people	people	NOUN
ejif-2832	135	20	still	still	ADV
ejif-2832	135	21	see	see	VERB
ejif-2832	135	22	the	the	DET
ejif-2832	135	23	gap	gap	NOUN
ejif-2832	135	24	between	between	ADP
ejif-2832	135	25	theory	theory	NOUN
ejif-2832	135	26	and	and	CCONJ
ejif-2832	135	27	practice	practice	NOUN
ejif-2832	135	28	.	.	PUNCT
ejif-2832	136	1	this	this	PRON
ejif-2832	136	2	could	could	AUX
ejif-2832	136	3	imply	imply	VERB
ejif-2832	136	4	that	that	PRON
ejif-2832	136	5	,	,	PUNCT
ejif-2832	136	6	either	either	CCONJ
ejif-2832	136	7	the	the	DET
ejif-2832	136	8	suggestions	suggestion	NOUN
ejif-2832	136	9	by	by	ADP
ejif-2832	136	10	ssb	ssb	PROPN
ejif-2832	136	11	are	be	AUX
ejif-2832	136	12	not	not	PART
ejif-2832	136	13	implemented	implement	VERB
ejif-2832	136	14	or	or	CCONJ
ejif-2832	136	15	the	the	DET
ejif-2832	136	16	general	general	ADJ
ejif-2832	136	17	public	public	NOUN
ejif-2832	136	18	does	do	AUX
ejif-2832	136	19	not	not	PART
ejif-2832	136	20	really	really	ADV
ejif-2832	136	21	understand	understand	VERB
ejif-2832	136	22	the	the	DET
ejif-2832	136	23	shari’ah	shari’ah	PROPN
ejif-2832	136	24	law	law	NOUN
ejif-2832	136	25	to	to	PART
ejif-2832	136	26	be	be	AUX
ejif-2832	136	27	able	able	ADJ
ejif-2832	136	28	to	to	PART
ejif-2832	136	29	discern	discern	VERB
ejif-2832	136	30	the	the	DET
ejif-2832	136	31	whole	whole	ADJ
ejif-2832	136	32	matter	matter	NOUN
ejif-2832	136	33	.	.	PUNCT
ejif-2832	137	1	whatever	whatever	PRON
ejif-2832	137	2	it	it	PRON
ejif-2832	137	3	is	be	AUX
ejif-2832	137	4	,	,	PUNCT
ejif-2832	137	5	the	the	DET
ejif-2832	137	6	responsibility	responsibility	NOUN
ejif-2832	137	7	lies	lie	VERB
ejif-2832	137	8	with	with	ADP
ejif-2832	137	9	bmt	bmt	NOUN
ejif-2832	137	10	to	to	PART
ejif-2832	137	11	implement	implement	VERB
ejif-2832	137	12	shari’ah	shari’ah	NOUN
ejif-2832	137	13	law	law	NOUN
ejif-2832	137	14	in	in	ADP
ejif-2832	137	15	their	their	PRON
ejif-2832	137	16	daily	daily	ADJ
ejif-2832	137	17	operations	operation	NOUN
ejif-2832	137	18	and	and	CCONJ
ejif-2832	137	19	ensure	ensure	VERB
ejif-2832	137	20	the	the	DET
ejif-2832	137	21	general	general	ADJ
ejif-2832	137	22	public	public	NOUN
ejif-2832	137	23	are	be	AUX
ejif-2832	137	24	aware	aware	ADJ
ejif-2832	137	25	that	that	SCONJ
ejif-2832	137	26	they	they	PRON
ejif-2832	137	27	are	be	AUX
ejif-2832	137	28	implementing	implement	VERB
ejif-2832	137	29	it	it	PRON
ejif-2832	137	30	.	.	PUNCT
ejif-2832	138	1	bmt	bmt	PROPN
ejif-2832	138	2	carried	carry	VERB
ejif-2832	138	3	out	out	ADP
ejif-2832	138	4	standardization	standardization	NOUN
ejif-2832	138	5	on	on	ADP
ejif-2832	138	6	three	three	NUM
ejif-2832	138	7	major	major	ADJ
ejif-2832	138	8	aspects	aspect	NOUN
ejif-2832	138	9	which	which	PRON
ejif-2832	138	10	are	be	AUX
ejif-2832	138	11	the	the	DET
ejif-2832	138	12	standard	standard	ADJ
ejif-2832	138	13	operating	operating	NOUN
ejif-2832	138	14	procedures	procedure	NOUN
ejif-2832	138	15	,	,	PUNCT
ejif-2832	138	16	human	human	ADJ
ejif-2832	138	17	resources	resource	NOUN
ejif-2832	138	18	and	and	CCONJ
ejif-2832	138	19	financial	financial	ADJ
ejif-2832	138	20	statements	statement	NOUN
ejif-2832	138	21	.	.	PUNCT
ejif-2832	139	1	even	even	ADV
ejif-2832	139	2	though	though	SCONJ
ejif-2832	139	3	ssb	ssb	PROPN
ejif-2832	139	4	is	be	AUX
ejif-2832	139	5	an	an	DET
ejif-2832	139	6	independent	independent	ADJ
ejif-2832	139	7	institution	institution	NOUN
ejif-2832	139	8	whose	whose	DET
ejif-2832	139	9	main	main	ADJ
ejif-2832	139	10	function	function	NOUN
ejif-2832	139	11	is	be	AUX
ejif-2832	139	12	to	to	PART
ejif-2832	139	13	supervise	supervise	VERB
ejif-2832	139	14	compliance	compliance	NOUN
ejif-2832	139	15	of	of	ADP
ejif-2832	139	16	shari’ah	shari’ah	PROPN
ejif-2832	139	17	in	in	ADP
ejif-2832	139	18	the	the	DET
ejif-2832	139	19	operations	operation	NOUN
ejif-2832	139	20	,	,	PUNCT
ejif-2832	139	21	ifis	ifis	PROPN
ejif-2832	139	22	need	need	VERB
ejif-2832	139	23	to	to	PART
ejif-2832	139	24	be	be	AUX
ejif-2832	139	25	aware	aware	ADJ
ejif-2832	139	26	not	not	PART
ejif-2832	139	27	to	to	PART
ejif-2832	139	28	overlook	overlook	VERB
ejif-2832	139	29	compliance	compliance	NOUN
ejif-2832	139	30	on	on	ADP
ejif-2832	139	31	islamic	islamic	ADJ
ejif-2832	139	32	principles	principle	NOUN
ejif-2832	139	33	s	s	NOUN
ejif-2832	139	34	to	to	PART
ejif-2832	139	35	avoid	avoid	VERB
ejif-2832	139	36	the	the	DET
ejif-2832	139	37	risk	risk	NOUN
ejif-2832	139	38	of	of	ADP
ejif-2832	139	39	reputational	reputational	ADJ
ejif-2832	139	40	damage	damage	NOUN
ejif-2832	139	41	.	.	PUNCT
ejif-2832	140	1	research	research	NOUN
ejif-2832	140	2	on	on	ADP
ejif-2832	140	3	bmt	bmt	PROPN
ejif-2832	140	4	yogyakarta	yogyakarta	PROPN
ejif-2832	140	5	found	find	VERB
ejif-2832	140	6	that	that	DET
ejif-2832	140	7	bmt	bmt	NOUN
ejif-2832	140	8	in	in	ADP
ejif-2832	140	9	general	general	ADJ
ejif-2832	140	10	has	have	AUX
ejif-2832	140	11	implemented	implement	VERB
ejif-2832	140	12	internal	internal	ADJ
ejif-2832	140	13	control	control	NOUN
ejif-2832	140	14	,	,	PUNCT
ejif-2832	140	15	but	but	CCONJ
ejif-2832	140	16	there	there	PRON
ejif-2832	140	17	are	be	VERB
ejif-2832	140	18	still	still	ADV
ejif-2832	140	19	weaknesses	weakness	NOUN
ejif-2832	140	20	in	in	ADP
ejif-2832	140	21	the	the	DET
ejif-2832	140	22	authorization	authorization	NOUN
ejif-2832	140	23	procedures	procedure	NOUN
ejif-2832	140	24	.	.	PUNCT
ejif-2832	141	1	from	from	ADP
ejif-2832	141	2	19	19	NUM
ejif-2832	141	3	samples	sample	NOUN
ejif-2832	141	4	,	,	PUNCT
ejif-2832	141	5	only	only	ADV
ejif-2832	141	6	11	11	NUM
ejif-2832	141	7	bmt	bmt	NOUN
ejif-2832	141	8	has	have	AUX
ejif-2832	141	9	ssb	ssb	VERB
ejif-2832	141	10	[	[	X
ejif-2832	141	11	17	17	NUM
ejif-2832	141	12	]	]	PUNCT
ejif-2832	141	13	.	.	PUNCT
ejif-2832	142	1	aim	aim	NOUN
ejif-2832	142	2	has	have	VERB
ejif-2832	142	3	its	its	PRON
ejif-2832	142	4	own	own	ADJ
ejif-2832	142	5	shari’ah	shari’ah	PROPN
ejif-2832	142	6	advisory	advisory	NOUN
ejif-2832	142	7	board	board	NOUN
ejif-2832	142	8	(	(	PUNCT
ejif-2832	142	9	panel	panel	NOUN
ejif-2832	142	10	penasihat	penasihat	ADV
ejif-2832	142	11	syari’ah	syari’ah	VERB
ejif-2832	142	12	)	)	PUNCT
ejif-2832	142	13	that	that	PRON
ejif-2832	142	14	carry	carry	VERB
ejif-2832	142	15	out	out	ADP
ejif-2832	142	16	standardized	standardized	ADJ
ejif-2832	142	17	supervision	supervision	NOUN
ejif-2832	142	18	.	.	PUNCT
ejif-2832	143	1	this	this	PRON
ejif-2832	143	2	ensures	ensure	VERB
ejif-2832	143	3	homogeneity	homogeneity	NOUN
ejif-2832	143	4	across	across	ADP
ejif-2832	143	5	the	the	DET
ejif-2832	143	6	products	product	NOUN
ejif-2832	143	7	and	and	CCONJ
ejif-2832	143	8	services	service	NOUN
ejif-2832	143	9	offered	offer	VERB
ejif-2832	143	10	.	.	PUNCT
ejif-2832	144	1	no	no	DET
ejif-2832	144	2	sources	source	NOUN
ejif-2832	144	3	are	be	AUX
ejif-2832	144	4	found	find	VERB
ejif-2832	144	5	to	to	PART
ejif-2832	144	6	criticize	criticize	VERB
ejif-2832	144	7	or	or	CCONJ
ejif-2832	144	8	claim	claim	VERB
ejif-2832	144	9	the	the	DET
ejif-2832	144	10	functions	function	NOUN
ejif-2832	144	11	of	of	ADP
ejif-2832	144	12	the	the	DET
ejif-2832	144	13	advisory	advisory	ADJ
ejif-2832	144	14	board	board	NOUN
ejif-2832	144	15	of	of	ADP
ejif-2832	144	16	aim	aim	NOUN
ejif-2832	144	17	so	so	ADV
ejif-2832	144	18	far	far	ADV
ejif-2832	144	19	.	.	PUNCT
ejif-2832	145	1	e.	e.	PROPN
ejif-2832	145	2	high	high	ADJ
ejif-2832	145	3	operating	operating	NOUN
ejif-2832	145	4	cost	cost	NOUN
ejif-2832	145	5	and	and	CCONJ
ejif-2832	145	6	reliance	reliance	NOUN
ejif-2832	145	7	of	of	ADP
ejif-2832	145	8	subsidy	subsidy	NOUN
ejif-2832	145	9	the	the	DET
ejif-2832	145	10	islamic	islamic	ADJ
ejif-2832	145	11	microfinance	microfinance	NOUN
ejif-2832	145	12	providers	provider	NOUN
ejif-2832	145	13	face	face	VERB
ejif-2832	145	14	the	the	DET
ejif-2832	145	15	issue	issue	NOUN
ejif-2832	145	16	of	of	ADP
ejif-2832	145	17	high	high	ADJ
ejif-2832	145	18	operating	operating	NOUN
ejif-2832	145	19	costs	cost	NOUN
ejif-2832	145	20	in	in	ADP
ejif-2832	145	21	order	order	NOUN
ejif-2832	145	22	to	to	PART
ejif-2832	145	23	maintain	maintain	VERB
ejif-2832	145	24	financial	financial	ADJ
ejif-2832	145	25	sustainability	sustainability	NOUN
ejif-2832	145	26	.	.	PUNCT
ejif-2832	146	1	the	the	DET
ejif-2832	146	2	cost	cost	NOUN
ejif-2832	146	3	of	of	ADP
ejif-2832	146	4	financing	financing	NOUN
ejif-2832	146	5	incurred	incur	VERB
ejif-2832	146	6	by	by	ADP
ejif-2832	146	7	bmt	bmt	PROPN
ejif-2832	146	8	is	be	AUX
ejif-2832	146	9	the	the	DET
ejif-2832	146	10	same	same	ADJ
ejif-2832	146	11	regardless	regardless	ADV
ejif-2832	146	12	of	of	ADP
ejif-2832	146	13	the	the	DET
ejif-2832	146	14	size	size	NOUN
ejif-2832	146	15	of	of	ADP
ejif-2832	146	16	the	the	DET
ejif-2832	146	17	loans	loan	NOUN
ejif-2832	146	18	provided	provide	VERB
ejif-2832	146	19	to	to	ADP
ejif-2832	146	20	the	the	DET
ejif-2832	146	21	poor	poor	ADJ
ejif-2832	146	22	.	.	PUNCT
ejif-2832	147	1	besides	besides	SCONJ
ejif-2832	147	2	,	,	PUNCT
ejif-2832	147	3	high	high	ADJ
ejif-2832	147	4	margin	margin	NOUN
ejif-2832	147	5	between	between	ADP
ejif-2832	147	6	the	the	DET
ejif-2832	147	7	loan	loan	NOUN
ejif-2832	147	8	value	value	NOUN
ejif-2832	147	9	and	and	CCONJ
ejif-2832	147	10	repayment	repayment	NOUN
ejif-2832	147	11	reflects	reflect	VERB
ejif-2832	147	12	the	the	DET
ejif-2832	147	13	problems	problem	NOUN
ejif-2832	147	14	of	of	ADP
ejif-2832	147	15	high	high	ADJ
ejif-2832	147	16	transaction	transaction	NOUN
ejif-2832	147	17	cost	cost	NOUN
ejif-2832	147	18	in	in	ADP
ejif-2832	147	19	loan	loan	NOUN
ejif-2832	147	20	processing	processing	NOUN
ejif-2832	147	21	.	.	PUNCT
ejif-2832	148	1	in	in	ADP
ejif-2832	148	2	addition	addition	NOUN
ejif-2832	148	3	,	,	PUNCT
ejif-2832	148	4	the	the	DET
ejif-2832	148	5	issue	issue	NOUN
ejif-2832	148	6	of	of	ADP
ejif-2832	148	7	high	high	ADJ
ejif-2832	148	8	cost	cost	NOUN
ejif-2832	148	9	will	will	AUX
ejif-2832	148	10	reduce	reduce	VERB
ejif-2832	148	11	financial	financial	ADJ
ejif-2832	148	12	inclusion	inclusion	NOUN
ejif-2832	148	13	.	.	PUNCT
ejif-2832	149	1	bmt	bmt	PROPN
ejif-2832	149	2	,	,	PUNCT
ejif-2832	149	3	on	on	ADP
ejif-2832	149	4	average	average	ADJ
ejif-2832	149	5	,	,	PUNCT
ejif-2832	149	6	distributes	distribute	VERB
ejif-2832	149	7	around	around	ADP
ejif-2832	149	8	us$80	us$80	NOUN
ejif-2832	149	9	-	-	PUNCT
ejif-2832	149	10	us$400	us$400	NOUN
ejif-2832	149	11	in	in	ADP
ejif-2832	149	12	loan	loan	NOUN
ejif-2832	149	13	which	which	PRON
ejif-2832	149	14	is	be	AUX
ejif-2832	149	15	considered	consider	VERB
ejif-2832	149	16	small	small	ADJ
ejif-2832	149	17	.	.	PUNCT
ejif-2832	150	1	the	the	DET
ejif-2832	150	2	administration	administration	NOUN
ejif-2832	150	3	cost	cost	NOUN
ejif-2832	150	4	that	that	PRON
ejif-2832	150	5	must	must	AUX
ejif-2832	150	6	be	be	AUX
ejif-2832	150	7	covered	cover	VERB
ejif-2832	150	8	by	by	ADP
ejif-2832	150	9	bmt	bmt	NOUN
ejif-2832	150	10	is	be	AUX
ejif-2832	150	11	around	around	ADV
ejif-2832	150	12	50	50	NUM
ejif-2832	150	13	percent	percent	NOUN
ejif-2832	150	14	from	from	ADP
ejif-2832	150	15	the	the	DET
ejif-2832	150	16	nominal	nominal	ADJ
ejif-2832	150	17	funding	funding	NOUN
ejif-2832	150	18	.	.	PUNCT
ejif-2832	151	1	this	this	PRON
ejif-2832	151	2	effectively	effectively	ADV
ejif-2832	151	3	means	mean	VERB
ejif-2832	151	4	that	that	SCONJ
ejif-2832	151	5	,	,	PUNCT
ejif-2832	151	6	if	if	SCONJ
ejif-2832	151	7	there	there	PRON
ejif-2832	151	8	is	be	VERB
ejif-2832	151	9	no	no	DET
ejif-2832	151	10	support	support	NOUN
ejif-2832	151	11	in	in	ADP
ejif-2832	151	12	terms	term	NOUN
ejif-2832	151	13	of	of	ADP
ejif-2832	151	14	subsidy	subsidy	NOUN
ejif-2832	151	15	for	for	ADP
ejif-2832	151	16	bmt	bmt	NOUN
ejif-2832	151	17	,	,	PUNCT
ejif-2832	151	18	they	they	PRON
ejif-2832	151	19	must	must	AUX
ejif-2832	151	20	charge	charge	VERB
ejif-2832	151	21	high	high	ADJ
ejif-2832	151	22	margin	margin	NOUN
ejif-2832	151	23	to	to	ADP
ejif-2832	151	24	borrowers	borrower	NOUN
ejif-2832	151	25	.	.	PUNCT
ejif-2832	152	1	therefore	therefore	ADV
ejif-2832	152	2	,	,	PUNCT
ejif-2832	152	3	the	the	DET
ejif-2832	152	4	role	role	NOUN
ejif-2832	152	5	of	of	ADP
ejif-2832	152	6	subsidy	subsidy	NOUN
ejif-2832	152	7	is	be	AUX
ejif-2832	152	8	very	very	ADV
ejif-2832	152	9	important	important	ADJ
ejif-2832	152	10	for	for	ADP
ejif-2832	152	11	bmt	bmt	NOUN
ejif-2832	152	12	to	to	PART
ejif-2832	152	13	ensure	ensure	VERB
ejif-2832	152	14	its	its	PRON
ejif-2832	152	15	sustainability	sustainability	NOUN
ejif-2832	152	16	.	.	PUNCT
ejif-2832	153	1	reduction	reduction	NOUN
ejif-2832	153	2	in	in	ADP
ejif-2832	153	3	transaction	transaction	NOUN
ejif-2832	153	4	cost	cost	NOUN
ejif-2832	153	5	is	be	AUX
ejif-2832	153	6	a	a	DET
ejif-2832	153	7	key	key	ADJ
ejif-2832	153	8	issue	issue	NOUN
ejif-2832	153	9	that	that	PRON
ejif-2832	153	10	should	should	AUX
ejif-2832	153	11	be	be	AUX
ejif-2832	153	12	resolved	resolve	VERB
ejif-2832	153	13	for	for	ADP
ejif-2832	153	14	bmt	bmt	NOUN
ejif-2832	153	15	in	in	ADP
ejif-2832	153	16	the	the	DET
ejif-2832	153	17	long	long	ADJ
ejif-2832	153	18	run	run	NOUN
ejif-2832	153	19	.	.	PUNCT
ejif-2832	154	1	this	this	DET
ejif-2832	154	2	issue	issue	NOUN
ejif-2832	154	3	is	be	AUX
ejif-2832	154	4	tricky	tricky	ADJ
ejif-2832	154	5	due	due	ADP
ejif-2832	154	6	to	to	ADP
ejif-2832	154	7	the	the	DET
ejif-2832	154	8	nature	nature	NOUN
ejif-2832	154	9	of	of	ADP
ejif-2832	154	10	the	the	DET
ejif-2832	154	11	environment	environment	NOUN
ejif-2832	154	12	bmt	bmt	NOUN
ejif-2832	154	13	is	be	AUX
ejif-2832	154	14	operating	operate	VERB
ejif-2832	154	15	in	in	ADP
ejif-2832	154	16	.	.	PUNCT
ejif-2832	155	1	offering	offer	VERB
ejif-2832	155	2	financing	financing	NOUN
ejif-2832	155	3	to	to	ADP
ejif-2832	155	4	small	small	ADJ
ejif-2832	155	5	entrepreneurs	entrepreneur	NOUN
ejif-2832	155	6	in	in	ADP
ejif-2832	155	7	rural	rural	ADJ
ejif-2832	155	8	areas	area	NOUN
ejif-2832	155	9	in	in	ADP
ejif-2832	155	10	small	small	ADJ
ejif-2832	155	11	amount	amount	NOUN
ejif-2832	155	12	can	can	AUX
ejif-2832	155	13	be	be	AUX
ejif-2832	155	14	very	very	ADV
ejif-2832	155	15	costly	costly	ADJ
ejif-2832	155	16	.	.	PUNCT
ejif-2832	156	1	subsidy	subsidy	NOUN
ejif-2832	156	2	has	have	VERB
ejif-2832	156	3	a	a	DET
ejif-2832	156	4	direct	direct	ADJ
ejif-2832	156	5	influence	influence	NOUN
ejif-2832	156	6	on	on	ADP
ejif-2832	156	7	microfinance	microfinance	NOUN
ejif-2832	156	8	.	.	PUNCT
ejif-2832	157	1	subsidized	subsidize	VERB
ejif-2832	157	2	lending	lending	NOUN
ejif-2832	157	3	will	will	AUX
ejif-2832	157	4	have	have	VERB
ejif-2832	157	5	a	a	DET
ejif-2832	157	6	positive	positive	ADJ
ejif-2832	157	7	impact	impact	NOUN
ejif-2832	157	8	on	on	ADP
ejif-2832	157	9	reducing	reduce	VERB
ejif-2832	157	10	financing	financing	NOUN
ejif-2832	157	11	rate	rate	NOUN
ejif-2832	157	12	or	or	CCONJ
ejif-2832	157	13	margin	margin	NOUN
ejif-2832	157	14	especially	especially	ADV
ejif-2832	157	15	in	in	ADP
ejif-2832	157	16	bmt	bmt	NOUN
ejif-2832	157	17	.	.	PUNCT
ejif-2832	158	1	many	many	ADJ
ejif-2832	158	2	bmts	bmt	NOUN
ejif-2832	158	3	search	search	NOUN
ejif-2832	158	4	for	for	ADP
ejif-2832	158	5	private	private	ADJ
ejif-2832	158	6	donors	donor	NOUN
ejif-2832	158	7	because	because	SCONJ
ejif-2832	158	8	the	the	DET
ejif-2832	158	9	administration	administration	NOUN
ejif-2832	158	10	is	be	AUX
ejif-2832	158	11	easier	easy	ADJ
ejif-2832	158	12	than	than	ADP
ejif-2832	158	13	public	public	ADJ
ejif-2832	158	14	subsidies	subsidy	NOUN
ejif-2832	158	15	.	.	PUNCT
ejif-2832	159	1	the	the	DET
ejif-2832	159	2	problem	problem	NOUN
ejif-2832	159	3	that	that	PRON
ejif-2832	159	4	occurs	occur	VERB
ejif-2832	159	5	in	in	ADP
ejif-2832	159	6	bmts	bmts	PROPN
ejif-2832	159	7	is	be	AUX
ejif-2832	159	8	that	that	SCONJ
ejif-2832	159	9	many	many	ADJ
ejif-2832	159	10	bmts	bmt	NOUN
ejif-2832	159	11	can	can	AUX
ejif-2832	159	12	only	only	ADV
ejif-2832	159	13	sustain	sustain	VERB
ejif-2832	159	14	in	in	ADP
ejif-2832	159	15	the	the	DET
ejif-2832	159	16	first	first	ADJ
ejif-2832	159	17	two	two	NUM
ejif-2832	159	18	years	year	NOUN
ejif-2832	159	19	without	without	ADP
ejif-2832	159	20	subsidy	subsidy	NOUN
ejif-2832	159	21	.	.	PUNCT
ejif-2832	160	1	after	after	ADP
ejif-2832	160	2	that	that	PRON
ejif-2832	160	3	,	,	PUNCT
ejif-2832	160	4	many	many	ADJ
ejif-2832	160	5	of	of	ADP
ejif-2832	160	6	them	they	PRON
ejif-2832	160	7	collapse	collapse	VERB
ejif-2832	160	8	.	.	PUNCT
ejif-2832	161	1	external	external	ADJ
ejif-2832	161	2	subsidy	subsidy	NOUN
ejif-2832	161	3	is	be	AUX
ejif-2832	161	4	crucial	crucial	ADJ
ejif-2832	161	5	especially	especially	ADV
ejif-2832	161	6	for	for	ADP
ejif-2832	161	7	the	the	DET
ejif-2832	161	8	small	small	ADJ
ejif-2832	161	9	-	-	PUNCT
ejif-2832	161	10	sized	sized	ADJ
ejif-2832	161	11	bmts	bmts	NOUN
ejif-2832	161	12	.	.	PUNCT
ejif-2832	162	1	maintaining	maintain	VERB
ejif-2832	162	2	bmt	bmt	NOUN
ejif-2832	162	3	performance	performance	NOUN
ejif-2832	162	4	by	by	ADP
ejif-2832	162	5	maintaining	maintain	VERB
ejif-2832	162	6	subsidy	subsidy	NOUN
ejif-2832	162	7	stability	stability	NOUN
ejif-2832	162	8	is	be	AUX
ejif-2832	162	9	a	a	DET
ejif-2832	162	10	challenge	challenge	NOUN
ejif-2832	162	11	for	for	ADP
ejif-2832	162	12	bmt	bmt	NOUN
ejif-2832	162	13	.	.	PUNCT
ejif-2832	163	1	the	the	DET
ejif-2832	163	2	government	government	NOUN
ejif-2832	163	3	,	,	PUNCT
ejif-2832	163	4	national	national	ADJ
ejif-2832	163	5	private	private	ADJ
ejif-2832	163	6	companies	company	NOUN
ejif-2832	163	7	and	and	CCONJ
ejif-2832	163	8	international	international	ADJ
ejif-2832	163	9	donors	donor	NOUN
ejif-2832	163	10	have	have	VERB
ejif-2832	163	11	to	to	PART
ejif-2832	163	12	keep	keep	VERB
ejif-2832	163	13	providing	provide	VERB
ejif-2832	163	14	subsidized	subsidized	ADJ
ejif-2832	163	15	financing	financing	NOUN
ejif-2832	163	16	sources	source	NOUN
ejif-2832	163	17	for	for	ADP
ejif-2832	163	18	the	the	DET
ejif-2832	163	19	poor	poor	ADJ
ejif-2832	163	20	using	use	VERB
ejif-2832	163	21	bmt	bmt	NOUN
ejif-2832	163	22	and	and	CCONJ
ejif-2832	163	23	the	the	DET
ejif-2832	163	24	importance	importance	NOUN
ejif-2832	163	25	of	of	ADP
ejif-2832	163	26	subsidy	subsidy	NOUN
ejif-2832	163	27	is	be	AUX
ejif-2832	163	28	unquestionable	unquestionable	ADJ
ejif-2832	163	29	[	[	X
ejif-2832	163	30	4	4	NUM
ejif-2832	163	31	]	]	PUNCT
ejif-2832	163	32	.	.	PUNCT
ejif-2832	164	1	customers	customer	NOUN
ejif-2832	164	2	prefers	prefer	VERB
ejif-2832	164	3	islamic	islamic	PROPN
ejif-2832	164	4	bank	bank	PROPN
ejif-2832	164	5	financing	financing	NOUN
ejif-2832	164	6	because	because	SCONJ
ejif-2832	164	7	of	of	ADP
ejif-2832	164	8	the	the	DET
ejif-2832	164	9	steadier	steady	ADJ
ejif-2832	164	10	and	and	CCONJ
ejif-2832	164	11	more	more	ADV
ejif-2832	164	12	stable	stable	ADJ
ejif-2832	164	13	flow	flow	NOUN
ejif-2832	164	14	of	of	ADP
ejif-2832	164	15	fund	fund	NOUN
ejif-2832	164	16	compared	compare	VERB
ejif-2832	164	17	to	to	PART
ejif-2832	164	18	bmt	bmt	VERB
ejif-2832	164	19	.	.	PUNCT
ejif-2832	165	1	increasing	increase	VERB
ejif-2832	165	2	asset	asset	NOUN
ejif-2832	165	3	and	and	CCONJ
ejif-2832	165	4	drastic	drastic	ADJ
ejif-2832	165	5	liability	liability	NOUN
ejif-2832	165	6	mismatch	mismatch	NOUN
ejif-2832	165	7	lead	lead	NOUN
ejif-2832	165	8	liquidity	liquidity	NOUN
ejif-2832	165	9	risk	risk	NOUN
ejif-2832	165	10	and	and	CCONJ
ejif-2832	165	11	the	the	DET
ejif-2832	165	12	less	less	ADV
ejif-2832	165	13	resilient	resilient	ADJ
ejif-2832	165	14	bmt	bmt	NOUN
ejif-2832	165	15	is	be	AUX
ejif-2832	165	16	prone	prone	ADJ
ejif-2832	165	17	to	to	ADP
ejif-2832	165	18	external	external	ADJ
ejif-2832	165	19	shocks	shock	NOUN
ejif-2832	165	20	[	[	X
ejif-2832	165	21	6	6	NUM
ejif-2832	165	22	]	]	PUNCT
ejif-2832	165	23	.	.	PUNCT
ejif-2832	166	1	delegated	delegate	VERB
ejif-2832	166	2	with	with	ADP
ejif-2832	166	3	the	the	DET
ejif-2832	166	4	task	task	NOUN
ejif-2832	166	5	of	of	ADP
ejif-2832	166	6	alleviating	alleviate	VERB
ejif-2832	166	7	poverty	poverty	NOUN
ejif-2832	166	8	in	in	ADP
ejif-2832	166	9	malaysia	malaysia	PROPN
ejif-2832	166	10	,	,	PUNCT
ejif-2832	166	11	aim	aim	NOUN
ejif-2832	166	12	receives	receive	VERB
ejif-2832	166	13	strong	strong	ADJ
ejif-2832	166	14	financial	financial	ADJ
ejif-2832	166	15	and	and	CCONJ
ejif-2832	166	16	non	non	ADJ
ejif-2832	166	17	-	-	ADJ
ejif-2832	166	18	financial	financial	ADJ
ejif-2832	166	19	support	support	NOUN
ejif-2832	166	20	from	from	ADP
ejif-2832	166	21	the	the	DET
ejif-2832	166	22	malaysian	malaysian	ADJ
ejif-2832	166	23	government	government	NOUN
ejif-2832	166	24	and	and	CCONJ
ejif-2832	166	25	its	its	PRON
ejif-2832	166	26	agencies	agency	NOUN
ejif-2832	166	27	,	,	PUNCT
ejif-2832	166	28	which	which	PRON
ejif-2832	166	29	is	be	AUX
ejif-2832	166	30	critical	critical	ADJ
ejif-2832	166	31	to	to	ADP
ejif-2832	166	32	its	its	PRON
ejif-2832	166	33	sustainability	sustainability	NOUN
ejif-2832	166	34	.	.	PUNCT
ejif-2832	167	1	financial	financial	ADJ
ejif-2832	167	2	support	support	NOUN
ejif-2832	167	3	comes	come	VERB
ejif-2832	167	4	in	in	ADP
ejif-2832	167	5	the	the	DET
ejif-2832	167	6	form	form	NOUN
ejif-2832	167	7	of	of	ADP
ejif-2832	167	8	interest	interest	NOUN
ejif-2832	167	9	-	-	PUNCT
ejif-2832	167	10	free	free	ADJ
ejif-2832	167	11	government	government	NOUN
ejif-2832	167	12	financing	financing	NOUN
ejif-2832	167	13	,	,	PUNCT
ejif-2832	167	14	grants	grant	NOUN
ejif-2832	167	15	and	and	CCONJ
ejif-2832	167	16	soft	soft	ADJ
ejif-2832	167	17	loans	loan	NOUN
ejif-2832	167	18	through	through	ADP
ejif-2832	167	19	allocations	allocation	NOUN
ejif-2832	167	20	made	make	VERB
ejif-2832	167	21	under	under	ADP
ejif-2832	167	22	various	various	ADJ
ejif-2832	167	23	malaysia	malaysia	PROPN
ejif-2832	167	24	plans	plan	NOUN
ejif-2832	167	25	.	.	PUNCT
ejif-2832	168	1	similar	similar	ADJ
ejif-2832	168	2	to	to	ADP
ejif-2832	168	3	conventional	conventional	ADJ
ejif-2832	168	4	microfinance	microfinance	NOUN
ejif-2832	168	5	institutions	institution	NOUN
ejif-2832	168	6	,	,	PUNCT
ejif-2832	168	7	aim	aim	AUX
ejif-2832	168	8	unavoidably	unavoidably	ADV
ejif-2832	168	9	experience	experience	VERB
ejif-2832	168	10	high	high	ADJ
ejif-2832	168	11	transaction	transaction	NOUN
ejif-2832	168	12	costs	cost	NOUN
ejif-2832	168	13	due	due	ADJ
ejif-2832	168	14	to	to	ADP
ejif-2832	168	15	asymmetric	asymmetric	ADJ
ejif-2832	168	16	information	information	NOUN
ejif-2832	168	17	problems	problem	NOUN
ejif-2832	168	18	.	.	PUNCT
ejif-2832	169	1	these	these	DET
ejif-2832	169	2	costs	cost	NOUN
ejif-2832	169	3	relate	relate	VERB
ejif-2832	169	4	to	to	ADP
ejif-2832	169	5	monitoring	monitoring	NOUN
ejif-2832	169	6	and	and	CCONJ
ejif-2832	169	7	searching	search	VERB
ejif-2832	169	8	costs	cost	NOUN
ejif-2832	169	9	and	and	CCONJ
ejif-2832	169	10	the	the	DET
ejif-2832	169	11	cost	cost	NOUN
ejif-2832	169	12	of	of	ADP
ejif-2832	169	13	administration	administration	NOUN
ejif-2832	169	14	,	,	PUNCT
ejif-2832	169	15	which	which	PRON
ejif-2832	169	16	are	be	AUX
ejif-2832	169	17	all	all	PRON
ejif-2832	169	18	directly	directly	ADV
ejif-2832	169	19	associated	associate	VERB
ejif-2832	169	20	with	with	ADP
ejif-2832	169	21	the	the	DET
ejif-2832	169	22	information	information	NOUN
ejif-2832	169	23	problems	problem	NOUN
ejif-2832	169	24	in	in	ADP
ejif-2832	169	25	the	the	DET
ejif-2832	169	26	rural	rural	ADJ
ejif-2832	169	27	financial	financial	ADJ
ejif-2832	169	28	markets	market	NOUN
ejif-2832	169	29	.	.	PUNCT
ejif-2832	170	1	small	small	ADJ
ejif-2832	170	2	loans	loan	NOUN
ejif-2832	170	3	are	be	AUX
ejif-2832	170	4	expensive	expensive	ADJ
ejif-2832	170	5	because	because	SCONJ
ejif-2832	170	6	of	of	ADP
ejif-2832	170	7	high	high	ADJ
ejif-2832	170	8	overhead	overhead	ADJ
ejif-2832	170	9	costs	cost	NOUN
ejif-2832	170	10	,	,	PUNCT
ejif-2832	170	11	which	which	PRON
ejif-2832	170	12	usually	usually	ADV
ejif-2832	170	13	have	have	VERB
ejif-2832	170	14	a	a	DET
ejif-2832	170	15	large	large	ADJ
ejif-2832	170	16	ejif	ejif	NOUN
ejif-2832	170	17	–	–	PUNCT
ejif-2832	170	18	european	european	PROPN
ejif-2832	170	19	journal	journal	PROPN
ejif-2832	170	20	of	of	ADP
ejif-2832	170	21	islamic	islamic	PROPN
ejif-2832	170	22	finance	finance	PROPN
ejif-2832	170	23	no15	no15	PROPN
ejif-2832	170	24	,	,	PUNCT
ejif-2832	170	25	august	august	PROPN
ejif-2832	170	26	(	(	PUNCT
ejif-2832	170	27	2020	2020	NUM
ejif-2832	170	28	)	)	PUNCT
ejif-2832	171	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	171	2	issn	issn	VERB
ejif-2832	171	3	2421	2421	NUM
ejif-2832	171	4	-	-	SYM
ejif-2832	171	5	2172	2172	NUM
ejif-2832	171	6	5	5	NUM
ejif-2832	171	7	fixed	fix	VERB
ejif-2832	171	8	cost	cost	NOUN
ejif-2832	171	9	attached	attach	VERB
ejif-2832	171	10	.	.	PUNCT
ejif-2832	172	1	aim	aim	NOUN
ejif-2832	172	2	must	must	AUX
ejif-2832	172	3	find	find	VERB
ejif-2832	172	4	a	a	DET
ejif-2832	172	5	mechanism	mechanism	NOUN
ejif-2832	172	6	to	to	PART
ejif-2832	172	7	reduce	reduce	VERB
ejif-2832	172	8	transaction	transaction	NOUN
ejif-2832	172	9	costs	cost	NOUN
ejif-2832	172	10	as	as	SCONJ
ejif-2832	172	11	added	add	VERB
ejif-2832	172	12	costs	cost	NOUN
ejif-2832	172	13	are	be	AUX
ejif-2832	172	14	often	often	ADV
ejif-2832	172	15	passed	pass	VERB
ejif-2832	172	16	onto	onto	ADP
ejif-2832	172	17	clients	client	NOUN
ejif-2832	172	18	.	.	PUNCT
ejif-2832	173	1	aim	aim	NOUN
ejif-2832	173	2	still	still	ADV
ejif-2832	173	3	depends	depend	VERB
ejif-2832	173	4	heavily	heavily	ADV
ejif-2832	173	5	on	on	ADP
ejif-2832	173	6	the	the	DET
ejif-2832	173	7	support	support	NOUN
ejif-2832	173	8	from	from	ADP
ejif-2832	173	9	the	the	DET
ejif-2832	173	10	government	government	NOUN
ejif-2832	173	11	and	and	CCONJ
ejif-2832	173	12	related	related	ADJ
ejif-2832	173	13	agencies	agency	NOUN
ejif-2832	173	14	for	for	ADP
ejif-2832	173	15	funding	funding	NOUN
ejif-2832	173	16	.	.	PUNCT
ejif-2832	174	1	the	the	DET
ejif-2832	174	2	operational	operational	ADJ
ejif-2832	174	3	cost	cost	NOUN
ejif-2832	174	4	of	of	ADP
ejif-2832	174	5	aim	aim	NOUN
ejif-2832	174	6	is	be	AUX
ejif-2832	174	7	relatively	relatively	ADV
ejif-2832	174	8	high	high	ADJ
ejif-2832	174	9	and	and	CCONJ
ejif-2832	174	10	salaries	salary	NOUN
ejif-2832	174	11	and	and	CCONJ
ejif-2832	174	12	administrative	administrative	ADJ
ejif-2832	174	13	cost	cost	NOUN
ejif-2832	174	14	from	from	ADP
ejif-2832	174	15	the	the	DET
ejif-2832	174	16	major	major	ADJ
ejif-2832	174	17	proportion	proportion	NOUN
ejif-2832	174	18	of	of	ADP
ejif-2832	174	19	operation	operation	NOUN
ejif-2832	174	20	cost	cost	NOUN
ejif-2832	174	21	,	,	PUNCT
ejif-2832	174	22	nevertheless	nevertheless	ADV
ejif-2832	174	23	creating	create	VERB
ejif-2832	174	24	only	only	ADV
ejif-2832	174	25	a	a	DET
ejif-2832	174	26	small	small	ADJ
ejif-2832	174	27	portion	portion	NOUN
ejif-2832	174	28	of	of	ADP
ejif-2832	174	29	assets	asset	NOUN
ejif-2832	174	30	.	.	PUNCT
ejif-2832	175	1	by	by	ADP
ejif-2832	175	2	means	mean	NOUN
ejif-2832	175	3	of	of	ADP
ejif-2832	175	4	a	a	DET
ejif-2832	175	5	fixed	fix	VERB
ejif-2832	175	6	administrative	administrative	ADJ
ejif-2832	175	7	charge	charge	NOUN
ejif-2832	175	8	of	of	ADP
ejif-2832	175	9	10	10	NUM
ejif-2832	175	10	%	%	NOUN
ejif-2832	175	11	,	,	PUNCT
ejif-2832	175	12	it	it	PRON
ejif-2832	175	13	does	do	AUX
ejif-2832	175	14	not	not	PART
ejif-2832	175	15	cover	cover	VERB
ejif-2832	175	16	its	its	PRON
ejif-2832	175	17	operating	operating	NOUN
ejif-2832	175	18	costs	cost	NOUN
ejif-2832	175	19	and	and	CCONJ
ejif-2832	175	20	could	could	AUX
ejif-2832	175	21	not	not	PART
ejif-2832	175	22	be	be	AUX
ejif-2832	175	23	sustainable	sustainable	ADJ
ejif-2832	175	24	and	and	CCONJ
ejif-2832	175	25	self	self	NOUN
ejif-2832	175	26	-	-	PUNCT
ejif-2832	175	27	dependent	dependent	ADJ
ejif-2832	175	28	.	.	PUNCT
ejif-2832	176	1	aim	aim	NOUN
ejif-2832	176	2	should	should	AUX
ejif-2832	176	3	look	look	VERB
ejif-2832	176	4	again	again	ADV
ejif-2832	176	5	on	on	ADP
ejif-2832	176	6	their	their	PRON
ejif-2832	176	7	fundamental	fundamental	ADJ
ejif-2832	176	8	principles	principle	NOUN
ejif-2832	176	9	because	because	SCONJ
ejif-2832	176	10	of	of	ADP
ejif-2832	176	11	the	the	DET
ejif-2832	176	12	loss	loss	NOUN
ejif-2832	176	13	of	of	ADP
ejif-2832	176	14	direction	direction	NOUN
ejif-2832	176	15	in	in	ADP
ejif-2832	176	16	focusing	focus	VERB
ejif-2832	176	17	on	on	ADP
ejif-2832	176	18	the	the	DET
ejif-2832	176	19	not	not	PART
ejif-2832	176	20	so	so	ADV
ejif-2832	176	21	poor	poor	ADJ
ejif-2832	176	22	or	or	CCONJ
ejif-2832	176	23	non	non	ADJ
ejif-2832	176	24	-	-	ADJ
ejif-2832	176	25	poor	poor	ADJ
ejif-2832	176	26	and	and	CCONJ
ejif-2832	176	27	giving	give	VERB
ejif-2832	176	28	larger	large	ADJ
ejif-2832	176	29	loans	loan	NOUN
ejif-2832	176	30	and	and	CCONJ
ejif-2832	176	31	better	well	ADJ
ejif-2832	176	32	-	-	PUNCT
ejif-2832	176	33	off	off	ADP
ejif-2832	176	34	borrowers	borrower	NOUN
ejif-2832	176	35	.	.	PUNCT
ejif-2832	177	1	therefore	therefore	ADV
ejif-2832	177	2	,	,	PUNCT
ejif-2832	177	3	there	there	PRON
ejif-2832	177	4	is	be	VERB
ejif-2832	177	5	no	no	DET
ejif-2832	177	6	incentive	incentive	NOUN
ejif-2832	177	7	from	from	ADP
ejif-2832	177	8	such	such	ADJ
ejif-2832	177	9	institutions	institution	NOUN
ejif-2832	177	10	to	to	PART
ejif-2832	177	11	offer	offer	VERB
ejif-2832	177	12	any	any	DET
ejif-2832	177	13	other	other	ADJ
ejif-2832	177	14	microfinance	microfinance	NOUN
ejif-2832	177	15	products	product	NOUN
ejif-2832	177	16	apart	apart	ADV
ejif-2832	177	17	from	from	ADP
ejif-2832	177	18	microcredit	microcredit	NOUN
ejif-2832	177	19	loans	loan	NOUN
ejif-2832	177	20	to	to	PART
ejif-2832	177	21	finance	finance	VERB
ejif-2832	177	22	their	their	PRON
ejif-2832	177	23	operation	operation	NOUN
ejif-2832	177	24	.	.	PUNCT
ejif-2832	178	1	this	this	DET
ejif-2832	178	2	theory	theory	NOUN
ejif-2832	178	3	also	also	ADV
ejif-2832	178	4	occurred	occur	VERB
ejif-2832	178	5	in	in	ADP
ejif-2832	178	6	bmt	bmt	NOUN
ejif-2832	178	7	which	which	PRON
ejif-2832	178	8	many	many	ADJ
ejif-2832	178	9	of	of	ADP
ejif-2832	178	10	them	they	PRON
ejif-2832	178	11	searching	search	VERB
ejif-2832	178	12	for	for	ADP
ejif-2832	178	13	private	private	ADJ
ejif-2832	178	14	donor	donor	NOUN
ejif-2832	178	15	because	because	SCONJ
ejif-2832	178	16	the	the	DET
ejif-2832	178	17	administration	administration	NOUN
ejif-2832	178	18	is	be	AUX
ejif-2832	178	19	easier	easy	ADJ
ejif-2832	178	20	than	than	ADP
ejif-2832	178	21	public	public	ADJ
ejif-2832	178	22	subsidies	subsidy	NOUN
ejif-2832	178	23	as	as	SCONJ
ejif-2832	178	24	mentioned	mention	VERB
ejif-2832	178	25	earlier	early	ADV
ejif-2832	178	26	[	[	X
ejif-2832	178	27	18	18	NUM
ejif-2832	178	28	]	]	PUNCT
ejif-2832	178	29	.	.	PUNCT
ejif-2832	179	1	if	if	SCONJ
ejif-2832	179	2	costs	cost	NOUN
ejif-2832	179	3	are	be	AUX
ejif-2832	179	4	not	not	PART
ejif-2832	179	5	covered	cover	VERB
ejif-2832	179	6	,	,	PUNCT
ejif-2832	179	7	the	the	DET
ejif-2832	179	8	capital	capital	NOUN
ejif-2832	179	9	will	will	AUX
ejif-2832	179	10	be	be	AUX
ejif-2832	179	11	depleted	deplete	VERB
ejif-2832	179	12	and	and	CCONJ
ejif-2832	179	13	continued	continued	ADJ
ejif-2832	179	14	access	access	NOUN
ejif-2832	179	15	to	to	ADP
ejif-2832	179	16	financial	financial	ADJ
ejif-2832	179	17	services	service	NOUN
ejif-2832	179	18	will	will	AUX
ejif-2832	179	19	be	be	AUX
ejif-2832	179	20	difficult	difficult	ADJ
ejif-2832	179	21	.	.	PUNCT
ejif-2832	180	1	therefore	therefore	ADV
ejif-2832	180	2	,	,	PUNCT
ejif-2832	180	3	aim	aim	NOUN
ejif-2832	180	4	should	should	AUX
ejif-2832	180	5	seek	seek	VERB
ejif-2832	180	6	financial	financial	ADJ
ejif-2832	180	7	funding	funding	NOUN
ejif-2832	180	8	from	from	ADP
ejif-2832	180	9	variety	variety	NOUN
ejif-2832	180	10	sources	source	NOUN
ejif-2832	180	11	other	other	ADJ
ejif-2832	180	12	than	than	ADP
ejif-2832	180	13	government	government	NOUN
ejif-2832	180	14	to	to	PART
ejif-2832	180	15	maintain	maintain	VERB
ejif-2832	180	16	their	their	PRON
ejif-2832	180	17	sustainability	sustainability	NOUN
ejif-2832	180	18	in	in	ADP
ejif-2832	180	19	the	the	DET
ejif-2832	180	20	long	long	ADJ
ejif-2832	180	21	-	-	PUNCT
ejif-2832	180	22	term	term	NOUN
ejif-2832	180	23	.	.	PUNCT
ejif-2832	181	1	f.	f.	PROPN
ejif-2832	181	2	repayment	repayment	PROPN
ejif-2832	181	3	problem	problem	NOUN
ejif-2832	181	4	among	among	ADP
ejif-2832	181	5	members	member	NOUN
ejif-2832	181	6	geographical	geographical	ADJ
ejif-2832	181	7	distance	distance	NOUN
ejif-2832	181	8	is	be	AUX
ejif-2832	181	9	important	important	ADJ
ejif-2832	181	10	because	because	SCONJ
ejif-2832	181	11	it	it	PRON
ejif-2832	181	12	will	will	AUX
ejif-2832	181	13	lead	lead	VERB
ejif-2832	181	14	to	to	ADP
ejif-2832	181	15	islamic	islamic	ADJ
ejif-2832	181	16	microfinance	microfinance	NOUN
ejif-2832	181	17	efficiency	efficiency	NOUN
ejif-2832	181	18	.	.	PUNCT
ejif-2832	182	1	the	the	DET
ejif-2832	182	2	higher	high	ADJ
ejif-2832	182	3	distance	distance	NOUN
ejif-2832	182	4	will	will	AUX
ejif-2832	182	5	cause	cause	VERB
ejif-2832	182	6	more	more	ADJ
ejif-2832	182	7	credit	credit	NOUN
ejif-2832	182	8	rationing	rationing	NOUN
ejif-2832	182	9	problem	problem	NOUN
ejif-2832	182	10	.	.	PUNCT
ejif-2832	183	1	one	one	NUM
ejif-2832	183	2	of	of	ADP
ejif-2832	183	3	the	the	DET
ejif-2832	183	4	features	feature	NOUN
ejif-2832	183	5	for	for	ADP
ejif-2832	183	6	the	the	DET
ejif-2832	183	7	people	people	NOUN
ejif-2832	183	8	at	at	ADP
ejif-2832	183	9	the	the	DET
ejif-2832	183	10	bottom	bottom	NOUN
ejif-2832	183	11	of	of	ADP
ejif-2832	183	12	the	the	DET
ejif-2832	183	13	economic	economic	ADJ
ejif-2832	183	14	pyramid	pyramid	NOUN
ejif-2832	183	15	is	be	AUX
ejif-2832	183	16	that	that	SCONJ
ejif-2832	183	17	,	,	PUNCT
ejif-2832	183	18	they	they	PRON
ejif-2832	183	19	live	live	VERB
ejif-2832	183	20	in	in	ADP
ejif-2832	183	21	remote	remote	ADJ
ejif-2832	183	22	areas	area	NOUN
ejif-2832	183	23	which	which	PRON
ejif-2832	183	24	are	be	AUX
ejif-2832	183	25	far	far	ADV
ejif-2832	183	26	away	away	ADV
ejif-2832	183	27	from	from	ADP
ejif-2832	183	28	financial	financial	ADJ
ejif-2832	183	29	institutions	institution	NOUN
ejif-2832	183	30	including	include	VERB
ejif-2832	183	31	bmt	bmt	NOUN
ejif-2832	183	32	.	.	PUNCT
ejif-2832	184	1	people	people	NOUN
ejif-2832	184	2	who	who	PRON
ejif-2832	184	3	live	live	VERB
ejif-2832	184	4	near	near	ADV
ejif-2832	184	5	to	to	ADP
ejif-2832	184	6	bmts	bmt	NOUN
ejif-2832	184	7	have	have	VERB
ejif-2832	184	8	lower	low	ADJ
ejif-2832	184	9	incidence	incidence	NOUN
ejif-2832	184	10	of	of	ADP
ejif-2832	184	11	credit	credit	NOUN
ejif-2832	184	12	rationing	rationing	NOUN
ejif-2832	184	13	and	and	CCONJ
ejif-2832	184	14	one	one	NUM
ejif-2832	184	15	of	of	ADP
ejif-2832	184	16	the	the	DET
ejif-2832	184	17	difficulties	difficulty	NOUN
ejif-2832	184	18	facing	face	VERB
ejif-2832	184	19	the	the	DET
ejif-2832	184	20	poor	poor	ADJ
ejif-2832	184	21	borrowers	borrower	NOUN
ejif-2832	184	22	in	in	ADP
ejif-2832	184	23	accessing	access	VERB
ejif-2832	184	24	credit	credit	NOUN
ejif-2832	184	25	is	be	AUX
ejif-2832	184	26	the	the	DET
ejif-2832	184	27	distance	distance	NOUN
ejif-2832	184	28	between	between	ADP
ejif-2832	184	29	their	their	PRON
ejif-2832	184	30	homes	home	NOUN
ejif-2832	184	31	and	and	CCONJ
ejif-2832	184	32	the	the	DET
ejif-2832	184	33	bmts	bmts	NOUN
ejif-2832	184	34	.	.	PUNCT
ejif-2832	185	1	in	in	ADP
ejif-2832	185	2	practice	practice	NOUN
ejif-2832	185	3	,	,	PUNCT
ejif-2832	185	4	bmts	bmt	NOUN
ejif-2832	185	5	need	need	VERB
ejif-2832	185	6	to	to	PART
ejif-2832	185	7	include	include	VERB
ejif-2832	185	8	the	the	DET
ejif-2832	185	9	distance	distance	NOUN
ejif-2832	185	10	between	between	ADP
ejif-2832	185	11	the	the	DET
ejif-2832	185	12	bmts	bmts	NOUN
ejif-2832	185	13	and	and	CCONJ
ejif-2832	185	14	the	the	DET
ejif-2832	185	15	borrower	borrower	NOUN
ejif-2832	185	16	to	to	PART
ejif-2832	185	17	help	help	VERB
ejif-2832	185	18	in	in	ADP
ejif-2832	185	19	deciding	decide	VERB
ejif-2832	185	20	whether	whether	SCONJ
ejif-2832	185	21	they	they	PRON
ejif-2832	185	22	should	should	AUX
ejif-2832	185	23	get	get	VERB
ejif-2832	185	24	financing	financing	NOUN
ejif-2832	185	25	or	or	CCONJ
ejif-2832	185	26	not	not	PART
ejif-2832	185	27	.	.	PUNCT
ejif-2832	186	1	this	this	PRON
ejif-2832	186	2	is	be	AUX
ejif-2832	186	3	because	because	SCONJ
ejif-2832	186	4	short	short	ADJ
ejif-2832	186	5	distance	distance	NOUN
ejif-2832	186	6	will	will	AUX
ejif-2832	186	7	make	make	VERB
ejif-2832	186	8	the	the	DET
ejif-2832	186	9	monitoring	monitoring	NOUN
ejif-2832	186	10	process	process	NOUN
ejif-2832	186	11	easier	easy	ADJ
ejif-2832	186	12	and	and	CCONJ
ejif-2832	186	13	the	the	DET
ejif-2832	186	14	application	application	NOUN
ejif-2832	186	15	would	would	AUX
ejif-2832	186	16	have	have	VERB
ejif-2832	186	17	a	a	DET
ejif-2832	186	18	greater	great	ADJ
ejif-2832	186	19	chance	chance	NOUN
ejif-2832	186	20	of	of	ADP
ejif-2832	186	21	being	be	AUX
ejif-2832	186	22	approved	approve	VERB
ejif-2832	186	23	.	.	PUNCT
ejif-2832	187	1	the	the	DET
ejif-2832	187	2	distance	distance	NOUN
ejif-2832	187	3	of	of	ADP
ejif-2832	187	4	a	a	DET
ejif-2832	187	5	borrower	borrower	NOUN
ejif-2832	187	6	’s	’s	PART
ejif-2832	187	7	house	house	NOUN
ejif-2832	187	8	from	from	ADP
ejif-2832	187	9	bmt	bmt	PROPN
ejif-2832	187	10	is	be	AUX
ejif-2832	187	11	also	also	ADV
ejif-2832	187	12	a	a	DET
ejif-2832	187	13	determinant	determinant	NOUN
ejif-2832	187	14	of	of	ADP
ejif-2832	187	15	credit	credit	NOUN
ejif-2832	187	16	rationing	rationing	NOUN
ejif-2832	187	17	.	.	PUNCT
ejif-2832	188	1	financial	financial	ADJ
ejif-2832	188	2	services	service	NOUN
ejif-2832	188	3	nearness	nearness	NOUN
ejif-2832	188	4	is	be	AUX
ejif-2832	188	5	described	describe	VERB
ejif-2832	188	6	as	as	ADP
ejif-2832	188	7	poor	poor	ADJ
ejif-2832	188	8	people	people	NOUN
ejif-2832	188	9	who	who	PRON
ejif-2832	188	10	live	live	VERB
ejif-2832	188	11	nearer	nearer	NOUN
ejif-2832	188	12	to	to	ADP
ejif-2832	188	13	microfinance	microfinance	NOUN
ejif-2832	188	14	institutions	institution	NOUN
ejif-2832	188	15	and	and	CCONJ
ejif-2832	188	16	can	can	AUX
ejif-2832	188	17	be	be	AUX
ejif-2832	188	18	contacted	contact	VERB
ejif-2832	188	19	.	.	PUNCT
ejif-2832	189	1	people	people	NOUN
ejif-2832	189	2	who	who	PRON
ejif-2832	189	3	live	live	VERB
ejif-2832	189	4	closer	close	ADV
ejif-2832	189	5	to	to	PART
ejif-2832	189	6	bmt	bmt	VERB
ejif-2832	189	7	will	will	AUX
ejif-2832	189	8	have	have	VERB
ejif-2832	189	9	easier	easy	ADJ
ejif-2832	189	10	access	access	NOUN
ejif-2832	189	11	to	to	ADP
ejif-2832	189	12	financing	financing	NOUN
ejif-2832	189	13	since	since	SCONJ
ejif-2832	189	14	it	it	PRON
ejif-2832	189	15	will	will	AUX
ejif-2832	189	16	reduce	reduce	VERB
ejif-2832	189	17	the	the	DET
ejif-2832	189	18	cost	cost	NOUN
ejif-2832	189	19	of	of	ADP
ejif-2832	189	20	monitoring	monitoring	NOUN
ejif-2832	189	21	because	because	SCONJ
ejif-2832	189	22	it	it	PRON
ejif-2832	189	23	does	do	AUX
ejif-2832	189	24	not	not	PART
ejif-2832	189	25	require	require	VERB
ejif-2832	189	26	bmt	bmt	ADJ
ejif-2832	189	27	staff	staff	NOUN
ejif-2832	189	28	to	to	PART
ejif-2832	189	29	take	take	VERB
ejif-2832	189	30	public	public	ADJ
ejif-2832	189	31	transportation	transportation	NOUN
ejif-2832	189	32	that	that	PRON
ejif-2832	189	33	would	would	AUX
ejif-2832	189	34	acquire	acquire	VERB
ejif-2832	189	35	a	a	DET
ejif-2832	189	36	cost	cost	NOUN
ejif-2832	189	37	.	.	PUNCT
ejif-2832	190	1	a	a	DET
ejif-2832	190	2	greater	great	ADJ
ejif-2832	190	3	risk	risk	NOUN
ejif-2832	190	4	will	will	AUX
ejif-2832	190	5	be	be	AUX
ejif-2832	190	6	faced	face	VERB
ejif-2832	190	7	by	by	ADP
ejif-2832	190	8	bmt	bmt	NOUN
ejif-2832	190	9	if	if	SCONJ
ejif-2832	190	10	they	they	PRON
ejif-2832	190	11	give	give	VERB
ejif-2832	190	12	funding	funding	NOUN
ejif-2832	190	13	to	to	PART
ejif-2832	190	14	far	far	ADV
ejif-2832	190	15	away	away	ADV
ejif-2832	190	16	borrowers	borrower	NOUN
ejif-2832	190	17	[	[	X
ejif-2832	190	18	4	4	NUM
ejif-2832	190	19	]	]	PUNCT
ejif-2832	190	20	.	.	PUNCT
ejif-2832	191	1	furthermore	furthermore	ADV
ejif-2832	191	2	,	,	PUNCT
ejif-2832	191	3	the	the	DET
ejif-2832	191	4	long	long	ADJ
ejif-2832	191	5	travel	travel	NOUN
ejif-2832	191	6	time	time	NOUN
ejif-2832	191	7	from	from	ADP
ejif-2832	191	8	home	home	NOUN
ejif-2832	191	9	to	to	PART
ejif-2832	191	10	bmt	bmt	VERB
ejif-2832	191	11	cause	cause	VERB
ejif-2832	191	12	customers	customer	NOUN
ejif-2832	191	13	to	to	PART
ejif-2832	191	14	get	get	VERB
ejif-2832	191	15	less	less	ADJ
ejif-2832	191	16	access	access	NOUN
ejif-2832	191	17	to	to	ADP
ejif-2832	191	18	information	information	NOUN
ejif-2832	191	19	and	and	CCONJ
ejif-2832	191	20	updates	update	NOUN
ejif-2832	191	21	.	.	PUNCT
ejif-2832	192	1	it	it	PRON
ejif-2832	192	2	also	also	ADV
ejif-2832	192	3	makes	make	VERB
ejif-2832	192	4	the	the	DET
ejif-2832	192	5	frequency	frequency	NOUN
ejif-2832	192	6	of	of	ADP
ejif-2832	192	7	customers	customer	NOUN
ejif-2832	192	8	’	’	PART
ejif-2832	192	9	meetings	meeting	NOUN
ejif-2832	192	10	with	with	ADP
ejif-2832	192	11	bmt	bmt	PROPN
ejif-2832	192	12	employees	employee	NOUN
ejif-2832	192	13	getting	get	VERB
ejif-2832	192	14	smaller	small	ADJ
ejif-2832	192	15	so	so	SCONJ
ejif-2832	192	16	the	the	DET
ejif-2832	192	17	chances	chance	NOUN
ejif-2832	192	18	of	of	ADP
ejif-2832	192	19	bad	bad	ADJ
ejif-2832	192	20	repayment	repayment	NOUN
ejif-2832	192	21	rate	rate	NOUN
ejif-2832	192	22	increase	increase	NOUN
ejif-2832	192	23	and	and	CCONJ
ejif-2832	192	24	also	also	ADV
ejif-2832	192	25	smaller	small	ADJ
ejif-2832	192	26	participation	participation	NOUN
ejif-2832	192	27	of	of	ADP
ejif-2832	192	28	the	the	DET
ejif-2832	192	29	customer	customer	NOUN
ejif-2832	192	30	of	of	ADP
ejif-2832	192	31	bmt	bmt	NOUN
ejif-2832	192	32	to	to	ADP
ejif-2832	192	33	borrowing	borrow	VERB
ejif-2832	192	34	.	.	PUNCT
ejif-2832	193	1	for	for	ADP
ejif-2832	193	2	example	example	NOUN
ejif-2832	193	3	,	,	PUNCT
ejif-2832	193	4	in	in	ADP
ejif-2832	193	5	bmt	bmt	NOUN
ejif-2832	193	6	khairu	khairu	PROPN
ejif-2832	193	7	ummah	ummah	PROPN
ejif-2832	193	8	located	locate	VERB
ejif-2832	193	9	on	on	ADP
ejif-2832	193	10	jalan	jalan	PROPN
ejif-2832	193	11	raya	raya	PROPN
ejif-2832	193	12	leuwiliang	leuwiliang	PROPN
ejif-2832	193	13	,	,	PUNCT
ejif-2832	193	14	leuwiliang	leuwiliang	PROPN
ejif-2832	193	15	,	,	PUNCT
ejif-2832	193	16	kabupaten	kabupaten	PROPN
ejif-2832	193	17	bogor	bogor	NOUN
ejif-2832	193	18	,	,	PUNCT
ejif-2832	193	19	as	as	ADV
ejif-2832	193	20	well	well	ADV
ejif-2832	193	21	as	as	ADP
ejif-2832	193	22	two	two	NUM
ejif-2832	193	23	branches	branch	NOUN
ejif-2832	193	24	of	of	ADP
ejif-2832	193	25	bmt	bmt	PROPN
ejif-2832	193	26	khairu	khairu	PROPN
ejif-2832	193	27	ummah	ummah	PROPN
ejif-2832	193	28	located	locate	VERB
ejif-2832	193	29	in	in	ADP
ejif-2832	193	30	the	the	DET
ejif-2832	193	31	cigudeg	cigudeg	NOUN
ejif-2832	193	32	and	and	CCONJ
ejif-2832	193	33	puraseda	puraseda	PROPN
ejif-2832	193	34	village	village	NOUN
ejif-2832	193	35	,	,	PUNCT
ejif-2832	193	36	leuwiliang	leuwiliang	PROPN
ejif-2832	193	37	have	have	VERB
ejif-2832	193	38	a	a	DET
ejif-2832	193	39	bad	bad	ADJ
ejif-2832	193	40	repayment	repayment	NOUN
ejif-2832	193	41	rate	rate	NOUN
ejif-2832	193	42	and	and	CCONJ
ejif-2832	193	43	one	one	NUM
ejif-2832	193	44	of	of	ADP
ejif-2832	193	45	the	the	DET
ejif-2832	193	46	reason	reason	NOUN
ejif-2832	193	47	are	be	AUX
ejif-2832	193	48	the	the	DET
ejif-2832	193	49	customers	customer	NOUN
ejif-2832	193	50	’	'	PUNCT
ejif-2832	193	51	home	home	NOUN
ejif-2832	193	52	are	be	AUX
ejif-2832	193	53	far	far	ADV
ejif-2832	193	54	away	away	ADV
ejif-2832	193	55	from	from	ADP
ejif-2832	193	56	the	the	DET
ejif-2832	193	57	bmt	bmt	PROPN
ejif-2832	193	58	agency	agency	NOUN
ejif-2832	193	59	[	[	X
ejif-2832	193	60	19	19	NUM
ejif-2832	193	61	]	]	PUNCT
ejif-2832	193	62	.	.	PUNCT
ejif-2832	194	1	aim	aim	NOUN
ejif-2832	194	2	members	member	NOUN
ejif-2832	194	3	also	also	ADV
ejif-2832	194	4	have	have	VERB
ejif-2832	194	5	repayment	repayment	NOUN
ejif-2832	194	6	issue	issue	NOUN
ejif-2832	194	7	but	but	CCONJ
ejif-2832	194	8	the	the	DET
ejif-2832	194	9	cause	cause	NOUN
ejif-2832	194	10	of	of	ADP
ejif-2832	194	11	the	the	DET
ejif-2832	194	12	issue	issue	NOUN
ejif-2832	194	13	is	be	AUX
ejif-2832	194	14	different	different	ADJ
ejif-2832	194	15	and	and	CCONJ
ejif-2832	194	16	related	relate	VERB
ejif-2832	194	17	to	to	ADP
ejif-2832	194	18	client	client	NOUN
ejif-2832	194	19	selection	selection	NOUN
ejif-2832	194	20	procedure	procedure	NOUN
ejif-2832	194	21	of	of	ADP
ejif-2832	194	22	aim	aim	NOUN
ejif-2832	194	23	that	that	PRON
ejif-2832	194	24	starts	start	VERB
ejif-2832	194	25	with	with	ADP
ejif-2832	194	26	measuring	measure	VERB
ejif-2832	194	27	potential	potential	ADJ
ejif-2832	194	28	clients	client	NOUN
ejif-2832	194	29	’	'	PUNCT
ejif-2832	194	30	average	average	ADJ
ejif-2832	194	31	monthly	monthly	ADJ
ejif-2832	194	32	household	household	NOUN
ejif-2832	194	33	income	income	NOUN
ejif-2832	194	34	.	.	PUNCT
ejif-2832	195	1	households	household	NOUN
ejif-2832	195	2	with	with	ADP
ejif-2832	195	3	average	average	ADJ
ejif-2832	195	4	monthly	monthly	ADJ
ejif-2832	195	5	household	household	NOUN
ejif-2832	195	6	income	income	NOUN
ejif-2832	195	7	below	below	ADP
ejif-2832	195	8	the	the	DET
ejif-2832	195	9	poverty	poverty	NOUN
ejif-2832	195	10	line	line	NOUN
ejif-2832	195	11	income	income	NOUN
ejif-2832	195	12	(	(	PUNCT
ejif-2832	195	13	pli	pli	PROPN
ejif-2832	195	14	)	)	PUNCT
ejif-2832	195	15	has	have	AUX
ejif-2832	195	16	been	be	AUX
ejif-2832	195	17	calculated	calculate	VERB
ejif-2832	195	18	by	by	ADP
ejif-2832	195	19	the	the	DET
ejif-2832	195	20	malaysian	malaysian	ADJ
ejif-2832	195	21	government	government	NOUN
ejif-2832	195	22	since	since	SCONJ
ejif-2832	195	23	the	the	DET
ejif-2832	195	24	year	year	NOUN
ejif-2832	195	25	1976	1976	NUM
ejif-2832	195	26	.	.	PUNCT
ejif-2832	196	1	it	it	PRON
ejif-2832	196	2	was	be	AUX
ejif-2832	196	3	estimated	estimate	VERB
ejif-2832	196	4	based	base	VERB
ejif-2832	196	5	on	on	ADP
ejif-2832	196	6	the	the	DET
ejif-2832	196	7	necessity	necessity	NOUN
ejif-2832	196	8	of	of	ADP
ejif-2832	196	9	food	food	NOUN
ejif-2832	196	10	and	and	CCONJ
ejif-2832	196	11	other	other	ADJ
ejif-2832	196	12	basic	basic	ADJ
ejif-2832	196	13	needs	need	NOUN
ejif-2832	196	14	and	and	CCONJ
ejif-2832	196	15	would	would	AUX
ejif-2832	196	16	be	be	AUX
ejif-2832	196	17	considered	consider	VERB
ejif-2832	196	18	as	as	ADP
ejif-2832	196	19	absolute	absolute	ADJ
ejif-2832	196	20	poor	poor	ADJ
ejif-2832	196	21	,	,	PUNCT
ejif-2832	196	22	while	while	SCONJ
ejif-2832	196	23	households	household	NOUN
ejif-2832	196	24	with	with	ADP
ejif-2832	196	25	average	average	ADJ
ejif-2832	196	26	monthly	monthly	ADJ
ejif-2832	196	27	household	household	NOUN
ejif-2832	196	28	income	income	NOUN
ejif-2832	196	29	below	below	ADP
ejif-2832	196	30	half	half	NOUN
ejif-2832	196	31	of	of	ADP
ejif-2832	196	32	the	the	DET
ejif-2832	196	33	pli	pli	PROPN
ejif-2832	196	34	would	would	AUX
ejif-2832	196	35	be	be	AUX
ejif-2832	196	36	categorized	categorize	VERB
ejif-2832	196	37	as	as	ADP
ejif-2832	196	38	hardcore	hardcore	NOUN
ejif-2832	196	39	poor	poor	ADJ
ejif-2832	196	40	.	.	PUNCT
ejif-2832	197	1	therefore	therefore	ADV
ejif-2832	197	2	,	,	PUNCT
ejif-2832	197	3	households	household	NOUN
ejif-2832	197	4	whose	whose	DET
ejif-2832	197	5	average	average	ADJ
ejif-2832	197	6	monthly	monthly	ADJ
ejif-2832	197	7	household	household	NOUN
ejif-2832	197	8	income	income	NOUN
ejif-2832	197	9	falls	fall	VERB
ejif-2832	197	10	below	below	ADP
ejif-2832	197	11	the	the	DET
ejif-2832	197	12	pli	pli	PROPN
ejif-2832	197	13	,	,	PUNCT
ejif-2832	197	14	including	include	VERB
ejif-2832	197	15	both	both	CCONJ
ejif-2832	197	16	poor	poor	ADJ
ejif-2832	197	17	and	and	CCONJ
ejif-2832	197	18	hardcore	hardcore	ADJ
ejif-2832	197	19	poor	poor	ADJ
ejif-2832	197	20	households	household	NOUN
ejif-2832	197	21	,	,	PUNCT
ejif-2832	197	22	are	be	AUX
ejif-2832	197	23	considered	consider	VERB
ejif-2832	197	24	to	to	PART
ejif-2832	197	25	be	be	AUX
ejif-2832	197	26	eligible	eligible	ADJ
ejif-2832	197	27	to	to	PART
ejif-2832	197	28	obtain	obtain	VERB
ejif-2832	197	29	microcredit	microcredit	NOUN
ejif-2832	197	30	from	from	ADP
ejif-2832	197	31	aim	aim	NOUN
ejif-2832	197	32	.	.	PUNCT
ejif-2832	198	1	based	base	VERB
ejif-2832	198	2	on	on	ADP
ejif-2832	198	3	a	a	DET
ejif-2832	198	4	survey	survey	NOUN
ejif-2832	198	5	in	in	ADP
ejif-2832	198	6	kelantan	kelantan	PROPN
ejif-2832	198	7	,	,	PUNCT
ejif-2832	198	8	terengganu	terengganu	PROPN
ejif-2832	198	9	and	and	CCONJ
ejif-2832	198	10	kedah	kedah	PROPN
ejif-2832	198	11	,	,	PUNCT
ejif-2832	198	12	more	more	ADJ
ejif-2832	198	13	than	than	ADP
ejif-2832	198	14	50	50	NUM
ejif-2832	198	15	%	%	NOUN
ejif-2832	198	16	of	of	ADP
ejif-2832	198	17	the	the	DET
ejif-2832	198	18	total	total	ADJ
ejif-2832	198	19	respondents	respondent	NOUN
ejif-2832	198	20	reported	report	VERB
ejif-2832	198	21	that	that	SCONJ
ejif-2832	198	22	they	they	PRON
ejif-2832	198	23	used	use	VERB
ejif-2832	198	24	credit	credit	NOUN
ejif-2832	198	25	in	in	ADP
ejif-2832	198	26	non	non	ADJ
ejif-2832	198	27	-	-	ADJ
ejif-2832	198	28	income	income	ADJ
ejif-2832	198	29	generating	generating	NOUN
ejif-2832	198	30	activities	activity	NOUN
ejif-2832	198	31	,	,	PUNCT
ejif-2832	198	32	which	which	PRON
ejif-2832	198	33	increases	increase	VERB
ejif-2832	198	34	the	the	DET
ejif-2832	198	35	chance	chance	NOUN
ejif-2832	198	36	of	of	ADP
ejif-2832	198	37	encountering	encounter	VERB
ejif-2832	198	38	repayment	repayment	NOUN
ejif-2832	198	39	problem	problem	NOUN
ejif-2832	198	40	.	.	PUNCT
ejif-2832	199	1	repayment	repayment	NOUN
ejif-2832	199	2	problems	problem	NOUN
ejif-2832	199	3	can	can	AUX
ejif-2832	199	4	lead	lead	VERB
ejif-2832	199	5	clients	client	NOUN
ejif-2832	199	6	to	to	PART
ejif-2832	199	7	leave	leave	VERB
ejif-2832	199	8	the	the	DET
ejif-2832	199	9	program	program	NOUN
ejif-2832	199	10	or	or	CCONJ
ejif-2832	199	11	become	become	VERB
ejif-2832	199	12	inactive	inactive	ADJ
ejif-2832	199	13	borrowers	borrower	NOUN
ejif-2832	199	14	.	.	PUNCT
ejif-2832	200	1	when	when	SCONJ
ejif-2832	200	2	hardcore	hardcore	ADJ
ejif-2832	200	3	poor	poor	ADJ
ejif-2832	200	4	households	household	NOUN
ejif-2832	200	5	’	'	PUNCT
ejif-2832	200	6	income	income	NOUN
ejif-2832	200	7	streams	stream	NOUN
ejif-2832	200	8	are	be	AUX
ejif-2832	200	9	interrupted	interrupt	VERB
ejif-2832	200	10	,	,	PUNCT
ejif-2832	200	11	which	which	PRON
ejif-2832	200	12	is	be	AUX
ejif-2832	200	13	commonly	commonly	ADV
ejif-2832	200	14	the	the	DET
ejif-2832	200	15	case	case	NOUN
ejif-2832	200	16	,	,	PUNCT
ejif-2832	200	17	the	the	DET
ejif-2832	200	18	clients	client	NOUN
ejif-2832	200	19	may	may	AUX
ejif-2832	200	20	have	have	VERB
ejif-2832	200	21	to	to	PART
ejif-2832	200	22	sell	sell	VERB
ejif-2832	200	23	their	their	PRON
ejif-2832	200	24	fixed	fix	VERB
ejif-2832	200	25	assets	asset	NOUN
ejif-2832	200	26	to	to	PART
ejif-2832	200	27	repay	repay	VERB
ejif-2832	200	28	the	the	DET
ejif-2832	200	29	loan	loan	NOUN
ejif-2832	200	30	.	.	PUNCT
ejif-2832	201	1	aim	aim	NOUN
ejif-2832	201	2	therefore	therefore	ADV
ejif-2832	201	3	has	have	VERB
ejif-2832	201	4	to	to	PART
ejif-2832	201	5	consider	consider	VERB
ejif-2832	201	6	a	a	DET
ejif-2832	201	7	flexible	flexible	ADJ
ejif-2832	201	8	loan	loan	NOUN
ejif-2832	201	9	policy	policy	NOUN
ejif-2832	201	10	to	to	PART
ejif-2832	201	11	allow	allow	VERB
ejif-2832	201	12	poor	poor	ADJ
ejif-2832	201	13	and	and	CCONJ
ejif-2832	201	14	hardcore	hardcore	ADJ
ejif-2832	201	15	poor	poor	ADJ
ejif-2832	201	16	households	household	NOUN
ejif-2832	201	17	to	to	PART
ejif-2832	201	18	reorganize	reorganize	VERB
ejif-2832	201	19	the	the	DET
ejif-2832	201	20	loan	loan	NOUN
ejif-2832	201	21	when	when	SCONJ
ejif-2832	201	22	clients	client	NOUN
ejif-2832	201	23	encounter	encounter	VERB
ejif-2832	201	24	any	any	DET
ejif-2832	201	25	financial	financial	ADJ
ejif-2832	201	26	crisis	crisis	NOUN
ejif-2832	201	27	.	.	PUNCT
ejif-2832	202	1	aim	aim	NOUN
ejif-2832	202	2	should	should	AUX
ejif-2832	202	3	also	also	ADV
ejif-2832	202	4	focus	focus	VERB
ejif-2832	202	5	on	on	ADP
ejif-2832	202	6	appropriate	appropriate	ADJ
ejif-2832	202	7	training	training	NOUN
ejif-2832	202	8	and	and	CCONJ
ejif-2832	202	9	development	development	NOUN
ejif-2832	202	10	programs	program	NOUN
ejif-2832	202	11	in	in	ADP
ejif-2832	202	12	order	order	NOUN
ejif-2832	202	13	to	to	PART
ejif-2832	202	14	enable	enable	VERB
ejif-2832	202	15	the	the	DET
ejif-2832	202	16	hardcore	hardcore	ADJ
ejif-2832	202	17	poor	poor	ADJ
ejif-2832	202	18	households	household	NOUN
ejif-2832	202	19	to	to	PART
ejif-2832	202	20	use	use	VERB
ejif-2832	202	21	credit	credit	NOUN
ejif-2832	202	22	in	in	ADP
ejif-2832	202	23	income	income	NOUN
ejif-2832	202	24	generating	generating	NOUN
ejif-2832	202	25	activities	activity	NOUN
ejif-2832	202	26	,	,	PUNCT
ejif-2832	202	27	grasp	grasp	VERB
ejif-2832	202	28	employment	employment	NOUN
ejif-2832	202	29	generating	generate	VERB
ejif-2832	202	30	opportunities	opportunity	NOUN
ejif-2832	202	31	as	as	ADV
ejif-2832	202	32	well	well	ADV
ejif-2832	202	33	as	as	ADP
ejif-2832	202	34	find	find	VERB
ejif-2832	202	35	and	and	CCONJ
ejif-2832	202	36	invest	invest	VERB
ejif-2832	202	37	in	in	ADP
ejif-2832	202	38	new	new	ADJ
ejif-2832	202	39	income	income	NOUN
ejif-2832	202	40	generating	generating	NOUN
ejif-2832	202	41	activities	activity	NOUN
ejif-2832	202	42	,	,	PUNCT
ejif-2832	202	43	which	which	PRON
ejif-2832	202	44	eventually	eventually	ADV
ejif-2832	202	45	reduce	reduce	VERB
ejif-2832	202	46	their	their	PRON
ejif-2832	202	47	repayment	repayment	NOUN
ejif-2832	202	48	problem	problem	NOUN
ejif-2832	202	49	[	[	X
ejif-2832	202	50	20	20	NUM
ejif-2832	202	51	]	]	PUNCT
ejif-2832	202	52	.	.	PUNCT
ejif-2832	203	1	g.	g.	NOUN
ejif-2832	203	2	lack	lack	NOUN
ejif-2832	203	3	of	of	ADP
ejif-2832	203	4	business	business	NOUN
ejif-2832	203	5	knowledge	knowledge	NOUN
ejif-2832	203	6	and	and	CCONJ
ejif-2832	203	7	technical	technical	ADJ
ejif-2832	203	8	skills	skill	NOUN
ejif-2832	203	9	bmt	bmt	NOUN
ejif-2832	203	10	is	be	AUX
ejif-2832	203	11	faced	face	VERB
ejif-2832	203	12	with	with	ADP
ejif-2832	203	13	the	the	DET
ejif-2832	203	14	lack	lack	NOUN
ejif-2832	203	15	of	of	ADP
ejif-2832	203	16	entrepreneurial	entrepreneurial	ADJ
ejif-2832	203	17	development	development	NOUN
ejif-2832	203	18	in	in	ADP
ejif-2832	203	19	the	the	DET
ejif-2832	203	20	community	community	NOUN
ejif-2832	203	21	[	[	X
ejif-2832	203	22	14	14	NUM
ejif-2832	203	23	]	]	PUNCT
ejif-2832	203	24	.	.	PUNCT
ejif-2832	204	1	when	when	SCONJ
ejif-2832	204	2	potential	potential	ADJ
ejif-2832	204	3	members	member	NOUN
ejif-2832	204	4	do	do	AUX
ejif-2832	204	5	not	not	PART
ejif-2832	204	6	have	have	VERB
ejif-2832	204	7	the	the	DET
ejif-2832	204	8	skill	skill	NOUN
ejif-2832	204	9	to	to	PART
ejif-2832	204	10	run	run	VERB
ejif-2832	204	11	a	a	DET
ejif-2832	204	12	business	business	NOUN
ejif-2832	204	13	,	,	PUNCT
ejif-2832	204	14	upward	upward	ADJ
ejif-2832	204	15	social	social	ADJ
ejif-2832	204	16	mobility	mobility	NOUN
ejif-2832	204	17	can	can	AUX
ejif-2832	204	18	not	not	PART
ejif-2832	204	19	be	be	AUX
ejif-2832	204	20	achieved	achieve	VERB
ejif-2832	204	21	in	in	ADP
ejif-2832	204	22	the	the	DET
ejif-2832	204	23	event	event	NOUN
ejif-2832	204	24	of	of	ADP
ejif-2832	204	25	the	the	DET
ejif-2832	204	26	members	member	NOUN
ejif-2832	204	27	fail	fail	VERB
ejif-2832	204	28	.	.	PUNCT
ejif-2832	205	1	the	the	DET
ejif-2832	205	2	lack	lack	NOUN
ejif-2832	205	3	of	of	ADP
ejif-2832	205	4	exposure	exposure	NOUN
ejif-2832	205	5	and	and	CCONJ
ejif-2832	205	6	education	education	NOUN
ejif-2832	205	7	also	also	ADV
ejif-2832	205	8	contribute	contribute	VERB
ejif-2832	205	9	to	to	ADP
ejif-2832	205	10	the	the	DET
ejif-2832	205	11	non	non	NOUN
ejif-2832	205	12	-	-	NOUN
ejif-2832	205	13	delivery	delivery	NOUN
ejif-2832	205	14	of	of	ADP
ejif-2832	205	15	the	the	DET
ejif-2832	205	16	financing	financing	NOUN
ejif-2832	205	17	granted	grant	VERB
ejif-2832	205	18	with	with	ADP
ejif-2832	205	19	the	the	DET
ejif-2832	205	20	intention	intention	NOUN
ejif-2832	205	21	to	to	PART
ejif-2832	205	22	assist	assist	VERB
ejif-2832	205	23	the	the	DET
ejif-2832	205	24	poor	poor	ADJ
ejif-2832	205	25	to	to	PART
ejif-2832	205	26	increase	increase	VERB
ejif-2832	205	27	their	their	PRON
ejif-2832	205	28	income	income	NOUN
ejif-2832	205	29	.	.	PUNCT
ejif-2832	206	1	pbmt	pbmt	PROPN
ejif-2832	206	2	institute	institute	NOUN
ejif-2832	206	3	is	be	AUX
ejif-2832	206	4	one	one	NUM
ejif-2832	206	5	initiative	initiative	NOUN
ejif-2832	206	6	to	to	PART
ejif-2832	206	7	provide	provide	VERB
ejif-2832	206	8	training	training	NOUN
ejif-2832	206	9	program	program	NOUN
ejif-2832	206	10	related	relate	VERB
ejif-2832	206	11	to	to	ADP
ejif-2832	206	12	managerial	managerial	ADJ
ejif-2832	206	13	aspect	aspect	NOUN
ejif-2832	206	14	of	of	ADP
ejif-2832	206	15	bmt	bmt	NOUN
ejif-2832	206	16	in	in	ADP
ejif-2832	206	17	order	order	NOUN
ejif-2832	206	18	to	to	PART
ejif-2832	206	19	produce	produce	VERB
ejif-2832	206	20	competent	competent	ADJ
ejif-2832	206	21	and	and	CCONJ
ejif-2832	206	22	high	high	ADJ
ejif-2832	206	23	quality	quality	NOUN
ejif-2832	206	24	staff	staff	NOUN
ejif-2832	206	25	and	and	CCONJ
ejif-2832	206	26	deal	deal	VERB
ejif-2832	206	27	with	with	ADP
ejif-2832	206	28	human	human	ADJ
ejif-2832	206	29	resources	resource	NOUN
ejif-2832	206	30	problem	problem	NOUN
ejif-2832	206	31	.	.	PUNCT
ejif-2832	207	1	however	however	ADV
ejif-2832	207	2	,	,	PUNCT
ejif-2832	207	3	not	not	PART
ejif-2832	207	4	many	many	ADJ
ejif-2832	207	5	bmts	bmt	NOUN
ejif-2832	207	6	are	be	AUX
ejif-2832	207	7	interested	interested	ADJ
ejif-2832	207	8	to	to	PART
ejif-2832	207	9	send	send	VERB
ejif-2832	207	10	their	their	PRON
ejif-2832	207	11	staff	staff	NOUN
ejif-2832	207	12	for	for	ADP
ejif-2832	207	13	the	the	DET
ejif-2832	207	14	programme	programme	NOUN
ejif-2832	207	15	since	since	SCONJ
ejif-2832	207	16	it	it	PRON
ejif-2832	207	17	requires	require	VERB
ejif-2832	207	18	some	some	DET
ejif-2832	207	19	fee	fee	NOUN
ejif-2832	207	20	payment	payment	NOUN
ejif-2832	208	1	[	[	X
ejif-2832	208	2	21	21	NUM
ejif-2832	208	3	]	]	PUNCT
ejif-2832	208	4	.	.	PUNCT
ejif-2832	209	1	in	in	ADP
ejif-2832	209	2	the	the	DET
ejif-2832	209	3	malaysian	malaysian	ADJ
ejif-2832	209	4	environment	environment	NOUN
ejif-2832	209	5	,	,	PUNCT
ejif-2832	209	6	entrepreneurship	entrepreneurship	NOUN
ejif-2832	209	7	culture	culture	NOUN
ejif-2832	209	8	does	do	AUX
ejif-2832	209	9	not	not	PART
ejif-2832	209	10	blend	blend	VERB
ejif-2832	209	11	well	well	ADV
ejif-2832	209	12	amongst	amongst	ADP
ejif-2832	209	13	the	the	DET
ejif-2832	209	14	malays	malays	PROPN
ejif-2832	209	15	and	and	CCONJ
ejif-2832	209	16	bumiputera	bumiputera	PROPN
ejif-2832	209	17	as	as	SCONJ
ejif-2832	209	18	compared	compare	VERB
ejif-2832	209	19	to	to	ADP
ejif-2832	209	20	the	the	DET
ejif-2832	209	21	chinese	chinese	PROPN
ejif-2832	209	22	.	.	PUNCT
ejif-2832	210	1	for	for	ADP
ejif-2832	210	2	chinese	chinese	PROPN
ejif-2832	210	3	,	,	PUNCT
ejif-2832	210	4	most	most	ADJ
ejif-2832	210	5	of	of	ADP
ejif-2832	210	6	their	their	PRON
ejif-2832	210	7	businesses	business	NOUN
ejif-2832	210	8	succeed	succeed	VERB
ejif-2832	210	9	and	and	CCONJ
ejif-2832	210	10	they	they	PRON
ejif-2832	210	11	transfer	transfer	VERB
ejif-2832	210	12	down	down	ADP
ejif-2832	210	13	their	their	PRON
ejif-2832	210	14	skills	skill	NOUN
ejif-2832	210	15	through	through	ADP
ejif-2832	210	16	generations	generation	NOUN
ejif-2832	210	17	.	.	PUNCT
ejif-2832	211	1	hence	hence	ADV
ejif-2832	211	2	,	,	PUNCT
ejif-2832	211	3	knowledge	knowledge	NOUN
ejif-2832	211	4	in	in	ADP
ejif-2832	211	5	business	business	NOUN
ejif-2832	211	6	management	management	NOUN
ejif-2832	211	7	and	and	CCONJ
ejif-2832	211	8	related	relate	VERB
ejif-2832	211	9	technical	technical	ADJ
ejif-2832	211	10	skills	skill	NOUN
ejif-2832	211	11	have	have	VERB
ejif-2832	211	12	to	to	PART
ejif-2832	211	13	be	be	AUX
ejif-2832	211	14	transferred	transfer	VERB
ejif-2832	211	15	to	to	ADP
ejif-2832	211	16	all	all	DET
ejif-2832	211	17	microfinance	microfinance	NOUN
ejif-2832	211	18	borrowers	borrower	NOUN
ejif-2832	211	19	since	since	SCONJ
ejif-2832	211	20	majority	majority	NOUN
ejif-2832	211	21	of	of	ADP
ejif-2832	211	22	them	they	PRON
ejif-2832	211	23	are	be	AUX
ejif-2832	211	24	malays	malays	PROPN
ejif-2832	211	25	and	and	CCONJ
ejif-2832	211	26	bumiputera	bumiputera	NOUN
ejif-2832	211	27	.	.	PUNCT
ejif-2832	212	1	realizing	realize	VERB
ejif-2832	212	2	this	this	DET
ejif-2832	212	3	issue	issue	NOUN
ejif-2832	212	4	,	,	PUNCT
ejif-2832	212	5	aim	aim	VERB
ejif-2832	212	6	provides	provide	VERB
ejif-2832	212	7	business	business	NOUN
ejif-2832	212	8	and	and	CCONJ
ejif-2832	212	9	financial	financial	ADJ
ejif-2832	212	10	management	management	NOUN
ejif-2832	212	11	course	course	NOUN
ejif-2832	212	12	to	to	ADP
ejif-2832	212	13	the	the	DET
ejif-2832	212	14	borrowers	borrower	NOUN
ejif-2832	212	15	but	but	CCONJ
ejif-2832	212	16	only	only	ADV
ejif-2832	212	17	ejif	ejif	PROPN
ejif-2832	212	18	–	–	PUNCT
ejif-2832	212	19	european	european	PROPN
ejif-2832	212	20	journal	journal	PROPN
ejif-2832	212	21	of	of	ADP
ejif-2832	212	22	islamic	islamic	PROPN
ejif-2832	212	23	finance	finance	PROPN
ejif-2832	212	24	no15	no15	PROPN
ejif-2832	212	25	,	,	PUNCT
ejif-2832	212	26	august	august	PROPN
ejif-2832	212	27	(	(	PUNCT
ejif-2832	212	28	2020	2020	NUM
ejif-2832	212	29	)	)	PUNCT
ejif-2832	213	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	213	2	issn	issn	VERB
ejif-2832	213	3	2421	2421	NUM
ejif-2832	213	4	-	-	SYM
ejif-2832	213	5	2172	2172	NUM
ejif-2832	213	6	6	6	NUM
ejif-2832	213	7	selected	select	VERB
ejif-2832	213	8	borrowers	borrower	NOUN
ejif-2832	213	9	are	be	AUX
ejif-2832	213	10	chosen	choose	VERB
ejif-2832	213	11	to	to	PART
ejif-2832	213	12	attend	attend	VERB
ejif-2832	213	13	the	the	DET
ejif-2832	213	14	course	course	NOUN
ejif-2832	213	15	.	.	PUNCT
ejif-2832	214	1	aim	aim	NOUN
ejif-2832	214	2	also	also	ADV
ejif-2832	214	3	does	do	AUX
ejif-2832	214	4	not	not	PART
ejif-2832	214	5	have	have	VERB
ejif-2832	214	6	a	a	DET
ejif-2832	214	7	standardized	standardized	ADJ
ejif-2832	214	8	module	module	NOUN
ejif-2832	214	9	of	of	ADP
ejif-2832	214	10	training	training	NOUN
ejif-2832	214	11	specially	specially	ADV
ejif-2832	214	12	to	to	PART
ejif-2832	214	13	handle	handle	VERB
ejif-2832	214	14	different	different	ADJ
ejif-2832	214	15	level	level	NOUN
ejif-2832	214	16	of	of	ADP
ejif-2832	214	17	borrowers	borrower	NOUN
ejif-2832	214	18	.	.	PUNCT
ejif-2832	215	1	for	for	ADP
ejif-2832	215	2	example	example	NOUN
ejif-2832	215	3	,	,	PUNCT
ejif-2832	215	4	the	the	DET
ejif-2832	215	5	level	level	NOUN
ejif-2832	215	6	of	of	ADP
ejif-2832	215	7	understanding	understand	VERB
ejif-2832	215	8	financial	financial	ADJ
ejif-2832	215	9	and	and	CCONJ
ejif-2832	215	10	business	business	NOUN
ejif-2832	215	11	management	management	NOUN
ejif-2832	215	12	topics	topic	NOUN
ejif-2832	215	13	may	may	AUX
ejif-2832	215	14	vary	vary	VERB
ejif-2832	215	15	from	from	ADP
ejif-2832	215	16	each	each	DET
ejif-2832	215	17	borrower	borrower	NOUN
ejif-2832	215	18	.	.	PUNCT
ejif-2832	216	1	the	the	DET
ejif-2832	216	2	trainer	trainer	NOUN
ejif-2832	216	3	or	or	CCONJ
ejif-2832	216	4	the	the	DET
ejif-2832	216	5	speaker	speaker	NOUN
ejif-2832	216	6	needs	need	VERB
ejif-2832	216	7	to	to	PART
ejif-2832	216	8	make	make	VERB
ejif-2832	216	9	it	it	PRON
ejif-2832	216	10	easy	easy	ADJ
ejif-2832	216	11	and	and	CCONJ
ejif-2832	216	12	simple	simple	ADJ
ejif-2832	216	13	for	for	ADP
ejif-2832	216	14	the	the	DET
ejif-2832	216	15	information	information	NOUN
ejif-2832	216	16	and	and	CCONJ
ejif-2832	216	17	knowledge	knowledge	NOUN
ejif-2832	216	18	to	to	PART
ejif-2832	216	19	be	be	AUX
ejif-2832	216	20	understood	understand	VERB
ejif-2832	216	21	because	because	SCONJ
ejif-2832	216	22	the	the	DET
ejif-2832	216	23	audiences	audience	NOUN
ejif-2832	216	24	lack	lack	VERB
ejif-2832	216	25	education	education	NOUN
ejif-2832	216	26	.	.	PUNCT
ejif-2832	217	1	based	base	VERB
ejif-2832	217	2	on	on	ADP
ejif-2832	217	3	the	the	DET
ejif-2832	217	4	research	research	NOUN
ejif-2832	217	5	,	,	PUNCT
ejif-2832	217	6	many	many	ADJ
ejif-2832	217	7	aim	aim	VERB
ejif-2832	217	8	borrowers	borrower	NOUN
ejif-2832	217	9	lack	lack	VERB
ejif-2832	217	10	knowledge	knowledge	NOUN
ejif-2832	217	11	on	on	ADP
ejif-2832	217	12	how	how	SCONJ
ejif-2832	217	13	to	to	PART
ejif-2832	217	14	manage	manage	VERB
ejif-2832	217	15	their	their	PRON
ejif-2832	217	16	business	business	NOUN
ejif-2832	217	17	income	income	NOUN
ejif-2832	217	18	.	.	PUNCT
ejif-2832	218	1	most	most	ADJ
ejif-2832	218	2	of	of	ADP
ejif-2832	218	3	them	they	PRON
ejif-2832	218	4	do	do	AUX
ejif-2832	218	5	not	not	PART
ejif-2832	218	6	know	know	VERB
ejif-2832	218	7	how	how	SCONJ
ejif-2832	218	8	to	to	PART
ejif-2832	218	9	separate	separate	VERB
ejif-2832	218	10	between	between	ADP
ejif-2832	218	11	their	their	PRON
ejif-2832	218	12	business	business	NOUN
ejif-2832	218	13	and	and	CCONJ
ejif-2832	218	14	personal	personal	ADJ
ejif-2832	218	15	consumption	consumption	NOUN
ejif-2832	218	16	.	.	PUNCT
ejif-2832	219	1	many	many	ADJ
ejif-2832	219	2	borrowers	borrower	NOUN
ejif-2832	219	3	allocate	allocate	VERB
ejif-2832	219	4	a	a	DET
ejif-2832	219	5	large	large	ADJ
ejif-2832	219	6	portion	portion	NOUN
ejif-2832	219	7	of	of	ADP
ejif-2832	219	8	their	their	PRON
ejif-2832	219	9	income	income	NOUN
ejif-2832	219	10	for	for	ADP
ejif-2832	219	11	personal	personal	ADJ
ejif-2832	219	12	consumption	consumption	NOUN
ejif-2832	219	13	and	and	CCONJ
ejif-2832	219	14	only	only	ADV
ejif-2832	219	15	the	the	DET
ejif-2832	219	16	least	least	ADJ
ejif-2832	219	17	amount	amount	NOUN
ejif-2832	219	18	for	for	ADP
ejif-2832	219	19	their	their	PRON
ejif-2832	219	20	businesses	business	NOUN
ejif-2832	219	21	.	.	PUNCT
ejif-2832	220	1	many	many	ADJ
ejif-2832	220	2	use	use	VERB
ejif-2832	220	3	the	the	DET
ejif-2832	220	4	income	income	NOUN
ejif-2832	220	5	to	to	PART
ejif-2832	220	6	financially	financially	ADV
ejif-2832	220	7	support	support	VERB
ejif-2832	220	8	their	their	PRON
ejif-2832	220	9	daily	daily	ADJ
ejif-2832	220	10	living	living	NOUN
ejif-2832	220	11	expenses	expense	NOUN
ejif-2832	220	12	and	and	CCONJ
ejif-2832	220	13	make	make	VERB
ejif-2832	220	14	little	little	ADJ
ejif-2832	220	15	effort	effort	NOUN
ejif-2832	220	16	to	to	PART
ejif-2832	220	17	expand	expand	VERB
ejif-2832	220	18	their	their	PRON
ejif-2832	220	19	businesses	business	NOUN
ejif-2832	220	20	.	.	PUNCT
ejif-2832	221	1	this	this	PRON
ejif-2832	221	2	is	be	AUX
ejif-2832	221	3	one	one	NUM
ejif-2832	221	4	of	of	ADP
ejif-2832	221	5	the	the	DET
ejif-2832	221	6	many	many	ADJ
ejif-2832	221	7	reasons	reason	NOUN
ejif-2832	221	8	,	,	PUNCT
ejif-2832	221	9	why	why	SCONJ
ejif-2832	221	10	some	some	PRON
ejif-2832	221	11	of	of	ADP
ejif-2832	221	12	their	their	PRON
ejif-2832	221	13	businesses	business	NOUN
ejif-2832	221	14	are	be	AUX
ejif-2832	221	15	unsuccessful	unsuccessful	ADJ
ejif-2832	221	16	even	even	ADV
ejif-2832	221	17	after	after	ADP
ejif-2832	221	18	continuous	continuous	ADJ
ejif-2832	221	19	microcredit	microcredit	NOUN
ejif-2832	221	20	loans	loan	NOUN
ejif-2832	221	21	.	.	PUNCT
ejif-2832	222	1	the	the	DET
ejif-2832	222	2	major	major	ADJ
ejif-2832	222	3	constraints	constraint	NOUN
ejif-2832	222	4	for	for	ADP
ejif-2832	222	5	the	the	DET
ejif-2832	222	6	poor	poor	ADJ
ejif-2832	222	7	have	have	AUX
ejif-2832	222	8	always	always	ADV
ejif-2832	222	9	been	be	AUX
ejif-2832	222	10	the	the	DET
ejif-2832	222	11	dependency	dependency	NOUN
ejif-2832	222	12	on	on	ADP
ejif-2832	222	13	a	a	DET
ejif-2832	222	14	single	single	ADJ
ejif-2832	222	15	economic	economic	ADJ
ejif-2832	222	16	activity	activity	NOUN
ejif-2832	222	17	and	and	CCONJ
ejif-2832	222	18	the	the	DET
ejif-2832	222	19	lack	lack	NOUN
ejif-2832	222	20	of	of	ADP
ejif-2832	222	21	skills	skill	NOUN
ejif-2832	222	22	to	to	PART
ejif-2832	222	23	vary	vary	VERB
ejif-2832	222	24	their	their	PRON
ejif-2832	222	25	sources	source	NOUN
ejif-2832	222	26	of	of	ADP
ejif-2832	222	27	income	income	NOUN
ejif-2832	222	28	to	to	PART
ejif-2832	222	29	supplement	supplement	VERB
ejif-2832	222	30	their	their	PRON
ejif-2832	222	31	daily	daily	ADJ
ejif-2832	222	32	living	living	NOUN
ejif-2832	222	33	[	[	X
ejif-2832	222	34	22	22	NUM
ejif-2832	222	35	]	]	PUNCT
ejif-2832	222	36	.	.	PUNCT
ejif-2832	223	1	the	the	DET
ejif-2832	223	2	success	success	NOUN
ejif-2832	223	3	of	of	ADP
ejif-2832	223	4	microfinance	microfinance	NOUN
ejif-2832	223	5	depends	depend	VERB
ejif-2832	223	6	largely	largely	ADV
ejif-2832	223	7	on	on	ADP
ejif-2832	223	8	the	the	DET
ejif-2832	223	9	skills	skill	NOUN
ejif-2832	223	10	and	and	CCONJ
ejif-2832	223	11	understanding	understanding	NOUN
ejif-2832	223	12	of	of	ADP
ejif-2832	223	13	the	the	DET
ejif-2832	223	14	people	people	NOUN
ejif-2832	223	15	managing	manage	VERB
ejif-2832	223	16	the	the	DET
ejif-2832	223	17	microfinance	microfinance	NOUN
ejif-2832	223	18	programme	programme	NOUN
ejif-2832	223	19	given	give	VERB
ejif-2832	223	20	the	the	DET
ejif-2832	223	21	unbankable	unbankable	ADJ
ejif-2832	223	22	nature	nature	NOUN
ejif-2832	223	23	of	of	ADP
ejif-2832	223	24	microfinance	microfinance	NOUN
ejif-2832	223	25	clients	client	NOUN
ejif-2832	223	26	themselves	themselves	PRON
ejif-2832	223	27	,	,	PUNCT
ejif-2832	223	28	namely	namely	ADV
ejif-2832	223	29	low	low	ADJ
ejif-2832	223	30	literacy	literacy	NOUN
ejif-2832	223	31	level	level	NOUN
ejif-2832	223	32	,	,	PUNCT
ejif-2832	223	33	having	have	VERB
ejif-2832	223	34	little	little	ADJ
ejif-2832	223	35	knowledge	knowledge	NOUN
ejif-2832	223	36	about	about	ADP
ejif-2832	223	37	business	business	NOUN
ejif-2832	223	38	,	,	PUNCT
ejif-2832	223	39	and	and	CCONJ
ejif-2832	223	40	having	have	VERB
ejif-2832	223	41	no	no	DET
ejif-2832	223	42	physical	physical	ADJ
ejif-2832	223	43	assets	asset	NOUN
ejif-2832	223	44	.	.	PUNCT
ejif-2832	224	1	iv	iv	X
ejif-2832	224	2	.	.	PUNCT
ejif-2832	224	3	conclusion	conclusion	NOUN
ejif-2832	224	4	facing	face	VERB
ejif-2832	224	5	different	different	ADJ
ejif-2832	224	6	operating	operating	NOUN
ejif-2832	224	7	situations	situation	NOUN
ejif-2832	224	8	and	and	CCONJ
ejif-2832	224	9	unique	unique	ADJ
ejif-2832	224	10	peculiarities	peculiarity	NOUN
ejif-2832	224	11	,	,	PUNCT
ejif-2832	224	12	both	both	PRON
ejif-2832	224	13	aim	aim	VERB
ejif-2832	224	14	and	and	CCONJ
ejif-2832	224	15	bmt	bmt	VERB
ejif-2832	224	16	have	have	VERB
ejif-2832	224	17	their	their	PRON
ejif-2832	224	18	own	own	ADJ
ejif-2832	224	19	shortfalls	shortfall	NOUN
ejif-2832	224	20	.	.	PUNCT
ejif-2832	225	1	they	they	PRON
ejif-2832	225	2	have	have	VERB
ejif-2832	225	3	almost	almost	ADV
ejif-2832	225	4	similar	similar	ADJ
ejif-2832	225	5	categories	category	NOUN
ejif-2832	225	6	of	of	ADP
ejif-2832	225	7	issues	issue	NOUN
ejif-2832	225	8	,	,	PUNCT
ejif-2832	225	9	being	be	AUX
ejif-2832	225	10	formed	form	VERB
ejif-2832	225	11	having	have	VERB
ejif-2832	225	12	the	the	DET
ejif-2832	225	13	objective	objective	NOUN
ejif-2832	225	14	of	of	ADP
ejif-2832	225	15	poverty	poverty	NOUN
ejif-2832	225	16	alleviation	alleviation	NOUN
ejif-2832	225	17	,	,	PUNCT
ejif-2832	225	18	most	most	ADJ
ejif-2832	225	19	issues	issue	NOUN
ejif-2832	225	20	stem	stem	VERB
ejif-2832	225	21	from	from	ADP
ejif-2832	225	22	criteria	criterion	NOUN
ejif-2832	225	23	of	of	ADP
ejif-2832	225	24	the	the	DET
ejif-2832	225	25	members	member	NOUN
ejif-2832	225	26	as	as	ADV
ejif-2832	225	27	well	well	ADV
ejif-2832	225	28	as	as	ADP
ejif-2832	225	29	the	the	DET
ejif-2832	225	30	staff	staff	NOUN
ejif-2832	225	31	of	of	ADP
ejif-2832	225	32	the	the	DET
ejif-2832	225	33	institutions	institution	NOUN
ejif-2832	225	34	.	.	PUNCT
ejif-2832	226	1	members	member	NOUN
ejif-2832	226	2	with	with	ADP
ejif-2832	226	3	no	no	DET
ejif-2832	226	4	background	background	NOUN
ejif-2832	226	5	in	in	ADP
ejif-2832	226	6	business	business	NOUN
ejif-2832	226	7	and	and	CCONJ
ejif-2832	226	8	imf	imf	PROPN
ejif-2832	226	9	staff	staff	NOUN
ejif-2832	226	10	with	with	ADP
ejif-2832	226	11	no	no	DET
ejif-2832	226	12	shari’ah	shari’ah	NOUN
ejif-2832	226	13	training	training	NOUN
ejif-2832	226	14	and	and	CCONJ
ejif-2832	226	15	exposure	exposure	NOUN
ejif-2832	226	16	are	be	AUX
ejif-2832	226	17	among	among	ADP
ejif-2832	226	18	the	the	DET
ejif-2832	226	19	most	most	ADV
ejif-2832	226	20	serious	serious	ADJ
ejif-2832	226	21	potential	potential	ADJ
ejif-2832	226	22	factors	factor	NOUN
ejif-2832	226	23	for	for	ADP
ejif-2832	226	24	failure	failure	NOUN
ejif-2832	226	25	.	.	PUNCT
ejif-2832	227	1	therefore	therefore	ADV
ejif-2832	227	2	,	,	PUNCT
ejif-2832	227	3	human	human	ADJ
ejif-2832	227	4	capital	capital	NOUN
ejif-2832	227	5	,	,	PUNCT
ejif-2832	227	6	from	from	ADP
ejif-2832	227	7	the	the	DET
ejif-2832	227	8	members	member	NOUN
ejif-2832	227	9	and	and	CCONJ
ejif-2832	227	10	the	the	DET
ejif-2832	227	11	imfs	imfs	NOUN
ejif-2832	227	12	,	,	PUNCT
ejif-2832	227	13	play	play	VERB
ejif-2832	227	14	pivotal	pivotal	ADJ
ejif-2832	227	15	role	role	NOUN
ejif-2832	227	16	in	in	ADP
ejif-2832	227	17	ensuring	ensure	VERB
ejif-2832	227	18	the	the	DET
ejif-2832	227	19	success	success	NOUN
ejif-2832	227	20	of	of	ADP
ejif-2832	227	21	the	the	DET
ejif-2832	227	22	social	social	ADJ
ejif-2832	227	23	financing	financing	NOUN
ejif-2832	227	24	.	.	PUNCT
ejif-2832	228	1	another	another	DET
ejif-2832	228	2	glaring	glaring	ADJ
ejif-2832	228	3	issue	issue	NOUN
ejif-2832	228	4	is	be	AUX
ejif-2832	228	5	the	the	DET
ejif-2832	228	6	reliance	reliance	NOUN
ejif-2832	228	7	on	on	ADP
ejif-2832	228	8	subsidies	subsidy	NOUN
ejif-2832	228	9	of	of	ADP
ejif-2832	228	10	aim	aim	NOUN
ejif-2832	228	11	and	and	CCONJ
ejif-2832	228	12	dependency	dependency	NOUN
ejif-2832	228	13	on	on	ADP
ejif-2832	228	14	donors	donor	NOUN
ejif-2832	228	15	by	by	ADP
ejif-2832	228	16	bmt	bmt	NOUN
ejif-2832	228	17	.	.	PUNCT
ejif-2832	229	1	inevitably	inevitably	ADV
ejif-2832	229	2	,	,	PUNCT
ejif-2832	229	3	the	the	DET
ejif-2832	229	4	nature	nature	NOUN
ejif-2832	229	5	of	of	ADP
ejif-2832	229	6	profit	profit	NOUN
ejif-2832	229	7	maximization	maximization	NOUN
ejif-2832	229	8	is	be	AUX
ejif-2832	229	9	not	not	PART
ejif-2832	229	10	the	the	DET
ejif-2832	229	11	modus	modus	NOUN
ejif-2832	229	12	operandi	operandi	NOUN
ejif-2832	229	13	,	,	PUNCT
ejif-2832	229	14	hence	hence	ADV
ejif-2832	229	15	,	,	PUNCT
ejif-2832	229	16	these	these	DET
ejif-2832	229	17	imfs	imfs	NOUN
ejif-2832	229	18	need	need	VERB
ejif-2832	229	19	to	to	PART
ejif-2832	229	20	find	find	VERB
ejif-2832	229	21	other	other	ADJ
ejif-2832	229	22	source	source	NOUN
ejif-2832	229	23	of	of	ADP
ejif-2832	229	24	funding	funding	NOUN
ejif-2832	229	25	such	such	ADJ
ejif-2832	229	26	as	as	ADP
ejif-2832	229	27	sri	sri	PROPN
ejif-2832	229	28	sukuk	sukuk	NOUN
ejif-2832	229	29	that	that	PRON
ejif-2832	229	30	has	have	AUX
ejif-2832	229	31	been	be	AUX
ejif-2832	229	32	gaining	gain	VERB
ejif-2832	229	33	ground	ground	NOUN
ejif-2832	229	34	over	over	ADP
ejif-2832	229	35	the	the	DET
ejif-2832	229	36	recent	recent	ADJ
ejif-2832	229	37	years	year	NOUN
ejif-2832	229	38	.	.	PUNCT
ejif-2832	230	1	this	this	PRON
ejif-2832	230	2	can	can	AUX
ejif-2832	230	3	be	be	AUX
ejif-2832	230	4	further	far	ADV
ejif-2832	230	5	looked	look	VERB
ejif-2832	230	6	into	into	ADP
ejif-2832	230	7	in	in	ADP
ejif-2832	230	8	future	future	ADJ
ejif-2832	230	9	research	research	NOUN
ejif-2832	230	10	.	.	PUNCT
ejif-2832	231	1	while	while	SCONJ
ejif-2832	231	2	aim	aim	NOUN
ejif-2832	231	3	is	be	AUX
ejif-2832	231	4	blessed	bless	VERB
ejif-2832	231	5	with	with	ADP
ejif-2832	231	6	the	the	DET
ejif-2832	231	7	support	support	NOUN
ejif-2832	231	8	from	from	ADP
ejif-2832	231	9	the	the	DET
ejif-2832	231	10	government	government	NOUN
ejif-2832	231	11	,	,	PUNCT
ejif-2832	231	12	the	the	DET
ejif-2832	231	13	bmt	bmt	NOUN
ejif-2832	231	14	lacks	lack	VERB
ejif-2832	231	15	this	this	DET
ejif-2832	231	16	legal	legal	ADJ
ejif-2832	231	17	support	support	NOUN
ejif-2832	231	18	.	.	PUNCT
ejif-2832	232	1	some	some	DET
ejif-2832	232	2	amendment	amendment	NOUN
ejif-2832	232	3	to	to	ADP
ejif-2832	232	4	the	the	DET
ejif-2832	232	5	laws	law	NOUN
ejif-2832	232	6	pertaining	pertain	VERB
ejif-2832	232	7	imfs	imfs	NOUN
ejif-2832	232	8	would	would	AUX
ejif-2832	232	9	accommodate	accommodate	VERB
ejif-2832	232	10	their	their	PRON
ejif-2832	232	11	growth	growth	NOUN
ejif-2832	232	12	.	.	PUNCT
ejif-2832	233	1	shari’ah	shari’ah	NOUN
ejif-2832	233	2	issue	issue	NOUN
ejif-2832	233	3	is	be	AUX
ejif-2832	233	4	not	not	PART
ejif-2832	233	5	seen	see	VERB
ejif-2832	233	6	as	as	ADP
ejif-2832	233	7	a	a	DET
ejif-2832	233	8	stumbling	stumble	VERB
ejif-2832	233	9	block	block	NOUN
ejif-2832	233	10	for	for	ADP
ejif-2832	233	11	the	the	DET
ejif-2832	233	12	operations	operation	NOUN
ejif-2832	233	13	of	of	ADP
ejif-2832	233	14	aim	aim	NOUN
ejif-2832	233	15	but	but	CCONJ
ejif-2832	233	16	for	for	ADP
ejif-2832	233	17	bmt	bmt	NOUN
ejif-2832	233	18	,	,	PUNCT
ejif-2832	233	19	it	it	PRON
ejif-2832	233	20	is	be	AUX
ejif-2832	233	21	more	more	ADV
ejif-2832	233	22	serious	serious	ADJ
ejif-2832	233	23	.	.	PUNCT
ejif-2832	234	1	the	the	DET
ejif-2832	234	2	role	role	NOUN
ejif-2832	234	3	of	of	ADP
ejif-2832	234	4	shari’ah	shari’ah	PROPN
ejif-2832	234	5	supervisory	supervisory	ADJ
ejif-2832	234	6	board	board	NOUN
ejif-2832	234	7	is	be	AUX
ejif-2832	234	8	still	still	ADV
ejif-2832	234	9	minimal	minimal	ADJ
ejif-2832	234	10	and	and	CCONJ
ejif-2832	234	11	the	the	DET
ejif-2832	234	12	mixed	mixed	ADJ
ejif-2832	234	13	perception	perception	NOUN
ejif-2832	234	14	of	of	ADP
ejif-2832	234	15	the	the	DET
ejif-2832	234	16	indonesian	indonesian	ADJ
ejif-2832	234	17	public	public	NOUN
ejif-2832	234	18	on	on	ADP
ejif-2832	234	19	riba	riba	PROPN
ejif-2832	234	20	puts	put	VERB
ejif-2832	234	21	restriction	restriction	NOUN
ejif-2832	234	22	for	for	ADP
ejif-2832	234	23	bmt	bmt	NOUN
ejif-2832	234	24	to	to	PART
ejif-2832	234	25	widen	widen	VERB
ejif-2832	234	26	its	its	PRON
ejif-2832	234	27	market	market	NOUN
ejif-2832	234	28	.	.	PUNCT
ejif-2832	235	1	between	between	ADP
ejif-2832	235	2	the	the	DET
ejif-2832	235	3	two	two	NUM
ejif-2832	235	4	institutions	institution	NOUN
ejif-2832	235	5	,	,	PUNCT
ejif-2832	235	6	credit	credit	NOUN
ejif-2832	235	7	is	be	AUX
ejif-2832	235	8	due	due	ADJ
ejif-2832	235	9	to	to	PART
ejif-2832	235	10	bmt	bmt	VERB
ejif-2832	235	11	for	for	ADP
ejif-2832	235	12	its	its	PRON
ejif-2832	235	13	non	non	ADJ
ejif-2832	235	14	-	-	NOUN
ejif-2832	235	15	dependency	dependency	NOUN
ejif-2832	235	16	on	on	ADP
ejif-2832	235	17	government	government	NOUN
ejif-2832	235	18	grant	grant	NOUN
ejif-2832	235	19	for	for	ADP
ejif-2832	235	20	source	source	NOUN
ejif-2832	235	21	of	of	ADP
ejif-2832	235	22	funds	fund	NOUN
ejif-2832	235	23	.	.	PUNCT
ejif-2832	236	1	bmt	bmt	PROPN
ejif-2832	236	2	fits	fit	VERB
ejif-2832	236	3	the	the	DET
ejif-2832	236	4	description	description	NOUN
ejif-2832	236	5	of	of	ADP
ejif-2832	236	6	imfis	imfis	NOUN
ejif-2832	236	7	that	that	PRON
ejif-2832	236	8	can	can	AUX
ejif-2832	236	9	stand	stand	VERB
ejif-2832	236	10	on	on	ADP
ejif-2832	236	11	its	its	PRON
ejif-2832	236	12	feet	foot	NOUN
ejif-2832	236	13	to	to	PART
ejif-2832	236	14	offer	offer	VERB
ejif-2832	236	15	financing	financing	NOUN
ejif-2832	236	16	to	to	ADP
ejif-2832	236	17	the	the	DET
ejif-2832	236	18	poor	poor	ADJ
ejif-2832	236	19	without	without	ADP
ejif-2832	236	20	the	the	DET
ejif-2832	236	21	government	government	NOUN
ejif-2832	236	22	having	have	VERB
ejif-2832	236	23	to	to	PART
ejif-2832	236	24	dig	dig	VERB
ejif-2832	236	25	deeper	deeply	ADV
ejif-2832	236	26	into	into	ADP
ejif-2832	236	27	their	their	PRON
ejif-2832	236	28	coffers	coffer	NOUN
ejif-2832	236	29	.	.	PUNCT
ejif-2832	237	1	they	they	PRON
ejif-2832	237	2	actually	actually	ADV
ejif-2832	237	3	help	help	VERB
ejif-2832	237	4	the	the	DET
ejif-2832	237	5	government	government	NOUN
ejif-2832	237	6	by	by	ADP
ejif-2832	237	7	serving	serve	VERB
ejif-2832	237	8	the	the	DET
ejif-2832	237	9	customers	customer	NOUN
ejif-2832	237	10	who	who	PRON
ejif-2832	237	11	are	be	AUX
ejif-2832	237	12	unbankable	unbankable	ADJ
ejif-2832	237	13	and	and	CCONJ
ejif-2832	237	14	live	live	VERB
ejif-2832	237	15	in	in	ADP
ejif-2832	237	16	different	different	ADJ
ejif-2832	237	17	types	type	NOUN
ejif-2832	237	18	of	of	ADP
ejif-2832	237	19	difficult	difficult	ADJ
ejif-2832	237	20	geographical	geographical	ADJ
ejif-2832	237	21	settings	setting	NOUN
ejif-2832	237	22	that	that	PRON
ejif-2832	237	23	can	can	AUX
ejif-2832	237	24	not	not	PART
ejif-2832	237	25	be	be	AUX
ejif-2832	237	26	reached	reach	VERB
ejif-2832	237	27	by	by	ADP
ejif-2832	237	28	the	the	DET
ejif-2832	237	29	normal	normal	ADJ
ejif-2832	237	30	financial	financial	ADJ
ejif-2832	237	31	institutions	institution	NOUN
ejif-2832	237	32	.	.	PUNCT
ejif-2832	238	1	in	in	ADP
ejif-2832	238	2	summary	summary	NOUN
ejif-2832	238	3	,	,	PUNCT
ejif-2832	238	4	internal	internal	ADJ
ejif-2832	238	5	issues	issue	NOUN
ejif-2832	238	6	can	can	AUX
ejif-2832	238	7	be	be	AUX
ejif-2832	238	8	managed	manage	VERB
ejif-2832	238	9	by	by	ADP
ejif-2832	238	10	the	the	DET
ejif-2832	238	11	imfs	imfs	NOUN
ejif-2832	238	12	and	and	CCONJ
ejif-2832	238	13	government	government	NOUN
ejif-2832	238	14	but	but	CCONJ
ejif-2832	238	15	external	external	ADJ
ejif-2832	238	16	issues	issue	NOUN
ejif-2832	238	17	that	that	PRON
ejif-2832	238	18	concerns	concern	VERB
ejif-2832	238	19	the	the	DET
ejif-2832	238	20	mindset	mindset	NOUN
ejif-2832	238	21	of	of	ADP
ejif-2832	238	22	the	the	DET
ejif-2832	238	23	members	member	NOUN
ejif-2832	238	24	need	need	VERB
ejif-2832	238	25	intervention	intervention	NOUN
ejif-2832	238	26	from	from	ADP
ejif-2832	238	27	more	more	ADJ
ejif-2832	238	28	parties	party	NOUN
ejif-2832	238	29	.	.	PUNCT
ejif-2832	239	1	bmts	bmt	NOUN
ejif-2832	239	2	issues	issue	NOUN
ejif-2832	239	3	are	be	AUX
ejif-2832	239	4	more	more	ADV
ejif-2832	239	5	complex	complex	ADJ
ejif-2832	239	6	to	to	PART
ejif-2832	239	7	be	be	AUX
ejif-2832	239	8	solved	solve	VERB
ejif-2832	239	9	because	because	SCONJ
ejif-2832	239	10	of	of	ADP
ejif-2832	239	11	the	the	DET
ejif-2832	239	12	nonstandardization	nonstandardization	NOUN
ejif-2832	239	13	elements	element	NOUN
ejif-2832	239	14	in	in	ADP
ejif-2832	239	15	the	the	DET
ejif-2832	239	16	operations	operation	NOUN
ejif-2832	239	17	as	as	SCONJ
ejif-2832	239	18	compared	compare	VERB
ejif-2832	239	19	to	to	PART
ejif-2832	239	20	aim	aim	VERB
ejif-2832	239	21	.	.	PUNCT
ejif-2832	240	1	a	a	DET
ejif-2832	240	2	special	special	ADJ
ejif-2832	240	3	task	task	NOUN
ejif-2832	240	4	force	force	NOUN
ejif-2832	240	5	looking	look	VERB
ejif-2832	240	6	into	into	ADP
ejif-2832	240	7	each	each	DET
ejif-2832	240	8	and	and	CCONJ
ejif-2832	240	9	every	every	PRON
ejif-2832	240	10	bmt	bmt	NOUN
ejif-2832	240	11	for	for	ADP
ejif-2832	240	12	improvement	improvement	NOUN
ejif-2832	240	13	is	be	AUX
ejif-2832	240	14	ideal	ideal	ADJ
ejif-2832	240	15	but	but	CCONJ
ejif-2832	240	16	difficult	difficult	ADJ
ejif-2832	240	17	to	to	PART
ejif-2832	240	18	be	be	AUX
ejif-2832	240	19	executed	execute	VERB
ejif-2832	240	20	due	due	ADP
ejif-2832	240	21	to	to	ADP
ejif-2832	240	22	its	its	PRON
ejif-2832	240	23	heterogeneity	heterogeneity	NOUN
ejif-2832	240	24	and	and	CCONJ
ejif-2832	240	25	resources	resource	NOUN
ejif-2832	240	26	to	to	PART
ejif-2832	240	27	fund	fund	VERB
ejif-2832	240	28	the	the	DET
ejif-2832	240	29	task	task	NOUN
ejif-2832	240	30	force	force	NOUN
ejif-2832	240	31	.	.	PUNCT
ejif-2832	241	1	references	reference	NOUN
ejif-2832	241	2	[	[	X
ejif-2832	241	3	1	1	NUM
ejif-2832	241	4	]	]	PUNCT
ejif-2832	241	5	biancone	biancone	NOUN
ejif-2832	241	6	,	,	PUNCT
ejif-2832	241	7	p.	p.	NOUN
ejif-2832	241	8	pietro	pietro	NOUN
ejif-2832	241	9	,	,	PUNCT
ejif-2832	241	10	&	&	CCONJ
ejif-2832	241	11	radwan	radwan	PROPN
ejif-2832	241	12	,	,	PUNCT
ejif-2832	241	13	m.	m.	NOUN
ejif-2832	241	14	(	(	PUNCT
ejif-2832	241	15	2018	2018	NUM
ejif-2832	241	16	)	)	PUNCT
ejif-2832	241	17	.	.	PUNCT
ejif-2832	242	1	social	social	ADJ
ejif-2832	242	2	finance	finance	NOUN
ejif-2832	242	3	and	and	CCONJ
ejif-2832	242	4	unconventional	unconventional	ADJ
ejif-2832	242	5	financing	financing	NOUN
ejif-2832	242	6	alternatives	alternative	NOUN
ejif-2832	242	7	:	:	PUNCT
ejif-2832	242	8	an	an	DET
ejif-2832	242	9	overview	overview	NOUN
ejif-2832	242	10	.	.	PUNCT
ejif-2832	243	1	european	european	ADJ
ejif-2832	243	2	journal	journal	PROPN
ejif-2832	243	3	of	of	ADP
ejif-2832	243	4	islamic	islamic	PROPN
ejif-2832	243	5	finance	finance	PROPN
ejif-2832	243	6	,	,	PUNCT
ejif-2832	243	7	,	,	PUNCT
ejif-2832	243	8	(	(	PUNCT
ejif-2832	243	9	10	10	NUM
ejif-2832	243	10	)	)	PUNCT
ejif-2832	243	11	,	,	PUNCT
ejif-2832	243	12	1–6	1–6	X
ejif-2832	243	13	.	.	PUNCT
ejif-2832	243	14	https://doi.org/10.13135/2421-2172/2818	https://doi.org/10.13135/2421-2172/2818	X
ejif-2832	244	1	[	[	X
ejif-2832	244	2	2	2	NUM
ejif-2832	244	3	]	]	PUNCT
ejif-2832	244	4	biancone	biancone	NOUN
ejif-2832	244	5	,	,	PUNCT
ejif-2832	244	6	p.	p.	NOUN
ejif-2832	244	7	pietro	pietro	NOUN
ejif-2832	244	8	,	,	PUNCT
ejif-2832	244	9	&	&	CCONJ
ejif-2832	244	10	radwan	radwan	PROPN
ejif-2832	244	11	,	,	PUNCT
ejif-2832	244	12	m.	m.	NOUN
ejif-2832	244	13	(	(	PUNCT
ejif-2832	244	14	2019	2019	NUM
ejif-2832	244	15	)	)	PUNCT
ejif-2832	244	16	.	.	PUNCT
ejif-2832	245	1	social	social	ADJ
ejif-2832	245	2	finance	finance	NOUN
ejif-2832	245	3	and	and	CCONJ
ejif-2832	245	4	financing	finance	VERB
ejif-2832	245	5	social	social	ADJ
ejif-2832	245	6	enterprises	enterprise	NOUN
ejif-2832	245	7	:	:	PUNCT
ejif-2832	245	8	an	an	DET
ejif-2832	245	9	islamic	islamic	ADJ
ejif-2832	245	10	finance	finance	NOUN
ejif-2832	245	11	prospective	prospective	ADJ
ejif-2832	245	12	.	.	PUNCT
ejif-2832	246	1	european	european	PROPN
ejif-2832	246	2	journal	journal	PROPN
ejif-2832	246	3	of	of	ADP
ejif-2832	246	4	islamic	islamic	PROPN
ejif-2832	246	5	finance	finance	PROPN
ejif-2832	246	6	,	,	PUNCT
ejif-2832	246	7	0(0	0(0	NUM
ejif-2832	246	8	)	)	PUNCT
ejif-2832	246	9	.	.	PUNCT
ejif-2832	247	1	https://doi.org/10.13135/24212172/3176	https://doi.org/10.13135/24212172/3176	NOUN
ejif-2832	248	1	[	[	X
ejif-2832	248	2	3	3	NUM
ejif-2832	248	3	]	]	X
ejif-2832	248	4	hosen	hosen	PROPN
ejif-2832	248	5	,	,	PUNCT
ejif-2832	248	6	m.	m.	NOUN
ejif-2832	248	7	n.	n.	PROPN
ejif-2832	248	8	,	,	PUNCT
ejif-2832	248	9	&	&	CCONJ
ejif-2832	248	10	sa	sa	VERB
ejif-2832	248	11	’	'	PUNCT
ejif-2832	248	12	roni	roni	PROPN
ejif-2832	248	13	,	,	PUNCT
ejif-2832	248	14	l.	l.	PROPN
ejif-2832	248	15	s.	s.	PROPN
ejif-2832	248	16	(	(	PUNCT
ejif-2832	248	17	2012	2012	NUM
ejif-2832	248	18	)	)	PUNCT
ejif-2832	248	19	.	.	PUNCT
ejif-2832	249	1	determinant	determinant	ADJ
ejif-2832	249	2	factors	factor	NOUN
ejif-2832	249	3	of	of	ADP
ejif-2832	249	4	the	the	DET
ejif-2832	249	5	successful	successful	ADJ
ejif-2832	249	6	of	of	ADP
ejif-2832	249	7	baitul	baitul	NOUN
ejif-2832	249	8	maal	maal	NOUN
ejif-2832	249	9	wat	wat	AUX
ejif-2832	249	10	tamwil	tamwil	VERB
ejif-2832	249	11	(	(	PUNCT
ejif-2832	249	12	bmt	bmt	PROPN
ejif-2832	249	13	)	)	PUNCT
ejif-2832	249	14	.	.	PUNCT
ejif-2832	250	1	international	international	ADJ
ejif-2832	250	2	journal	journal	PROPN
ejif-2832	250	3	of	of	ADP
ejif-2832	250	4	academic	academic	ADJ
ejif-2832	250	5	research	research	NOUN
ejif-2832	250	6	in	in	ADP
ejif-2832	250	7	economics	economic	NOUN
ejif-2832	250	8	and	and	CCONJ
ejif-2832	250	9	management	management	NOUN
ejif-2832	250	10	sciences	science	NOUN
ejif-2832	250	11	,	,	PUNCT
ejif-2832	250	12	1(4	1(4	NUM
ejif-2832	250	13	)	)	PUNCT
ejif-2832	250	14	,	,	PUNCT
ejif-2832	250	15	2226–3624	2226–3624	NUM
ejif-2832	250	16	.	.	PUNCT
ejif-2832	251	1	retrieved	retrieve	VERB
ejif-2832	251	2	from	from	ADP
ejif-2832	251	3	www.hrmars.com/journals	www.hrmars.com/journal	NOUN
ejif-2832	251	4	[	[	X
ejif-2832	251	5	4	4	NUM
ejif-2832	251	6	]	]	X
ejif-2832	251	7	wulandari	wulandari	X
ejif-2832	251	8	,	,	PUNCT
ejif-2832	251	9	p.	p.	NOUN
ejif-2832	251	10	,	,	PUNCT
ejif-2832	251	11	&	&	CCONJ
ejif-2832	251	12	kassim	kassim	PROPN
ejif-2832	251	13	,	,	PUNCT
ejif-2832	251	14	s.	s.	PROPN
ejif-2832	251	15	(	(	PUNCT
ejif-2832	251	16	2016	2016	NUM
ejif-2832	251	17	)	)	PUNCT
ejif-2832	251	18	.	.	PUNCT
ejif-2832	252	1	issues	issue	NOUN
ejif-2832	252	2	and	and	CCONJ
ejif-2832	252	3	challenges	challenge	NOUN
ejif-2832	252	4	in	in	ADP
ejif-2832	252	5	financing	finance	VERB
ejif-2832	252	6	the	the	DET
ejif-2832	252	7	poor	poor	ADJ
ejif-2832	252	8	:	:	PUNCT
ejif-2832	252	9	case	case	NOUN
ejif-2832	252	10	of	of	ADP
ejif-2832	252	11	baitul	baitul	NOUN
ejif-2832	252	12	maal	maal	PROPN
ejif-2832	252	13	wa	wa	PROPN
ejif-2832	252	14	tamwil	tamwil	VERB
ejif-2832	252	15	in	in	ADP
ejif-2832	252	16	indonesia	indonesia	PROPN
ejif-2832	252	17	,	,	PUNCT
ejif-2832	252	18	international	international	ADJ
ejif-2832	252	19	journal	journal	NOUN
ejif-2832	252	20	of	of	ADP
ejif-2832	252	21	bank	bank	PROPN
ejif-2832	252	22	marketing	marketing	NOUN
ejif-2832	252	23	,	,	PUNCT
ejif-2832	252	24	vol	vol	NOUN
ejif-2832	252	25	.	.	PROPN
ejif-2832	253	1	34	34	NUM
ejif-2832	253	2	issue	issue	NOUN
ejif-2832	253	3	:	:	PUNCT
ejif-2832	253	4	2	2	NUM
ejif-2832	253	5	,	,	PUNCT
ejif-2832	253	6	pp	pp	ADJ
ejif-2832	253	7	.	.	PUNCT
ejif-2832	254	1	216	216	NUM
ejif-2832	254	2	-	-	SYM
ejif-2832	254	3	234	234	NUM
ejif-2832	254	4	[	[	SYM
ejif-2832	254	5	5	5	NUM
ejif-2832	254	6	]	]	PUNCT
ejif-2832	254	7	asmy	asmy	NOUN
ejif-2832	254	8	,	,	PUNCT
ejif-2832	254	9	m.	m.	NOUN
ejif-2832	254	10	,	,	PUNCT
ejif-2832	254	11	mohammed	mohammed	PROPN
ejif-2832	254	12	,	,	PUNCT
ejif-2832	254	13	m.	m.	NOUN
ejif-2832	254	14	o.	o.	PROPN
ejif-2832	254	15	,	,	PUNCT
ejif-2832	254	16	&	&	CCONJ
ejif-2832	254	17	abdullah	abdullah	PROPN
ejif-2832	254	18	,	,	PUNCT
ejif-2832	254	19	m.	m.	NOUN
ejif-2832	254	20	a.	a.	NOUN
ejif-2832	254	21	(	(	PUNCT
ejif-2832	254	22	2016	2016	NUM
ejif-2832	254	23	)	)	PUNCT
ejif-2832	254	24	.	.	PUNCT
ejif-2832	255	1	developing	develop	VERB
ejif-2832	255	2	cash	cash	NOUN
ejif-2832	255	3	waqf	waqf	NOUN
ejif-2832	255	4	model	model	NOUN
ejif-2832	255	5	as	as	ADP
ejif-2832	255	6	an	an	DET
ejif-2832	255	7	alternative	alternative	ADJ
ejif-2832	255	8	source	source	NOUN
ejif-2832	255	9	of	of	ADP
ejif-2832	255	10	financing	financing	NOUN
ejif-2832	255	11	for	for	ADP
ejif-2832	255	12	micro	micro	ADJ
ejif-2832	255	13	enterprises	enterprise	NOUN
ejif-2832	255	14	in	in	ADP
ejif-2832	255	15	malaysia	malaysia	PROPN
ejif-2832	255	16	article	article	NOUN
ejif-2832	255	17	information	information	NOUN
ejif-2832	255	18	.	.	PUNCT
ejif-2832	256	1	journal	journal	PROPN
ejif-2832	256	2	of	of	ADP
ejif-2832	256	3	islamic	islamic	PROPN
ejif-2832	256	4	accounting	accounting	PROPN
ejif-2832	256	5	and	and	CCONJ
ejif-2832	256	6	business	business	NOUN
ejif-2832	256	7	research	research	NOUN
ejif-2832	256	8	,	,	PUNCT
ejif-2832	256	9	7(4	7(4	NUM
ejif-2832	256	10	)	)	PUNCT
ejif-2832	256	11	,	,	PUNCT
ejif-2832	256	12	254–267	254–267	NUM
ejif-2832	256	13	.	.	PUNCT
ejif-2832	257	1	retrieved	retrieve	VERB
ejif-2832	257	2	from	from	ADP
ejif-2832	257	3	www.emeraldinsight.com	www.emeraldinsight.com	X
ejif-2832	257	4	[	[	X
ejif-2832	257	5	6	6	NUM
ejif-2832	257	6	]	]	PUNCT
ejif-2832	257	7	ascrya	ascrya	NOUN
ejif-2832	257	8	,	,	PUNCT
ejif-2832	257	9	a.	a.	NOUN
ejif-2832	257	10	,	,	PUNCT
ejif-2832	257	11	&	&	CCONJ
ejif-2832	257	12	sukmana	sukmana	PROPN
ejif-2832	257	13	,	,	PUNCT
ejif-2832	257	14	r.	r.	PROPN
ejif-2832	257	15	(	(	PUNCT
ejif-2832	257	16	2017	2017	NUM
ejif-2832	257	17	)	)	PUNCT
ejif-2832	257	18	.	.	PUNCT
ejif-2832	258	1	cash	cash	NOUN
ejif-2832	258	2	waqf	waqf	NOUN
ejif-2832	258	3	models	model	NOUN
ejif-2832	258	4	of	of	ADP
ejif-2832	258	5	baitul	baitul	NOUN
ejif-2832	258	6	maal	maal	NOUN
ejif-2832	258	7	wat	wat	AUX
ejif-2832	258	8	tamwil	tamwil	VERB
ejif-2832	258	9	in	in	ADP
ejif-2832	258	10	indonesia	indonesia	PROPN
ejif-2832	258	11	.	.	PUNCT
ejif-2832	259	1	in	in	ADP
ejif-2832	259	2	international	international	ADJ
ejif-2832	259	3	conference	conference	NOUN
ejif-2832	259	4	and	and	CCONJ
ejif-2832	259	5	call	call	VERB
ejif-2832	259	6	for	for	ADP
ejif-2832	259	7	paper	paper	NOUN
ejif-2832	259	8	:	:	PUNCT
ejif-2832	259	9	waqf	waqf	ADJ
ejif-2832	259	10	and	and	CCONJ
ejif-2832	259	11	economic	economic	ADJ
ejif-2832	259	12	growth	growth	NOUN
ejif-2832	259	13	[	[	X
ejif-2832	259	14	7	7	X
ejif-2832	259	15	]	]	X
ejif-2832	259	16	hamzah	hamzah	PROPN
ejif-2832	259	17	,	,	PUNCT
ejif-2832	259	18	rusby	rusby	PROPN
ejif-2832	259	19	,	,	PUNCT
ejif-2832	259	20	z.	z.	PROPN
ejif-2832	259	21	,	,	PUNCT
ejif-2832	259	22	&	&	CCONJ
ejif-2832	259	23	hamzah	hamzah	PROPN
ejif-2832	259	24	,	,	PUNCT
ejif-2832	259	25	z.	z.	PROPN
ejif-2832	259	26	(	(	PUNCT
ejif-2832	259	27	2013	2013	NUM
ejif-2832	259	28	)	)	PUNCT
ejif-2832	259	29	.	.	PUNCT
ejif-2832	260	1	analysis	analysis	NOUN
ejif-2832	260	2	problem	problem	NOUN
ejif-2832	260	3	of	of	ADP
ejif-2832	260	4	baitul	baitul	NOUN
ejif-2832	260	5	maal	maal	NOUN
ejif-2832	260	6	wat	wat	AUX
ejif-2832	260	7	tamwil	tamwil	VERB
ejif-2832	260	8	(	(	PUNCT
ejif-2832	260	9	bmt	bmt	NOUN
ejif-2832	260	10	)	)	PUNCT
ejif-2832	260	11	operation	operation	NOUN
ejif-2832	260	12	in	in	ADP
ejif-2832	260	13	pekanbaru	pekanbaru	PROPN
ejif-2832	260	14	indonesia	indonesia	PROPN
ejif-2832	260	15	using	use	VERB
ejif-2832	260	16	analytical	analytical	ADJ
ejif-2832	260	17	network	network	NOUN
ejif-2832	260	18	process	process	NOUN
ejif-2832	260	19	(	(	PUNCT
ejif-2832	260	20	anp	anp	NOUN
ejif-2832	260	21	)	)	PUNCT
ejif-2832	260	22	approach	approach	NOUN
ejif-2832	260	23	.	.	PUNCT
ejif-2832	261	1	international	international	ADJ
ejif-2832	261	2	journal	journal	PROPN
ejif-2832	261	3	of	of	ADP
ejif-2832	261	4	academic	academic	ADJ
ejif-2832	261	5	research	research	NOUN
ejif-2832	261	6	in	in	ADP
ejif-2832	261	7	business	business	NOUN
ejif-2832	261	8	and	and	CCONJ
ejif-2832	261	9	social	social	ADJ
ejif-2832	261	10	sciences	science	NOUN
ejif-2832	261	11	,	,	PUNCT
ejif-2832	261	12	3(8	3(8	NUM
ejif-2832	261	13	)	)	PUNCT
ejif-2832	261	14	,	,	PUNCT
ejif-2832	261	15	215–229	215–229	NUM
ejif-2832	261	16	.	.	PUNCT
ejif-2832	262	1	https://doi.org/10.6007/ijarbss/v3-i8/138	https://doi.org/10.6007/ijarbss/v3-i8/138	PROPN
ejif-2832	262	2	[	[	X
ejif-2832	262	3	8	8	NUM
ejif-2832	262	4	]	]	PUNCT
ejif-2832	262	5	possumah	possumah	PROPN
ejif-2832	262	6	,	,	PUNCT
ejif-2832	262	7	b.	b.	PROPN
ejif-2832	262	8	t.	t.	PROPN
ejif-2832	262	9	,	,	PUNCT
ejif-2832	262	10	&	&	CCONJ
ejif-2832	262	11	baharuddin	baharuddin	PROPN
ejif-2832	262	12	,	,	PUNCT
ejif-2832	262	13	g.	g.	PROPN
ejif-2832	262	14	(	(	PUNCT
ejif-2832	262	15	2012	2012	NUM
ejif-2832	262	16	)	)	PUNCT
ejif-2832	262	17	.	.	PUNCT
ejif-2832	263	1	governing	govern	VERB
ejif-2832	263	2	baitul	baitul	NOUN
ejif-2832	263	3	mal	mal	ADJ
ejif-2832	263	4	towards	towards	ADP
ejif-2832	263	5	2020	2020	NUM
ejif-2832	263	6	;	;	PUNCT
ejif-2832	263	7	issues	issue	NOUN
ejif-2832	263	8	and	and	CCONJ
ejif-2832	263	9	challenges	challenge	NOUN
ejif-2832	263	10	:	:	PUNCT
ejif-2832	263	11	indonesia	indonesia	PROPN
ejif-2832	263	12	experiences	experience	NOUN
ejif-2832	263	13	.	.	PUNCT
ejif-2832	264	1	international	international	ADJ
ejif-2832	264	2	journal	journal	PROPN
ejif-2832	264	3	of	of	ADP
ejif-2832	264	4	business	business	NOUN
ejif-2832	264	5	and	and	CCONJ
ejif-2832	264	6	management	management	NOUN
ejif-2832	264	7	tomorrow	tomorrow	NOUN
ejif-2832	264	8	,	,	PUNCT
ejif-2832	264	9	2(10	2(10	NUM
ejif-2832	264	10	)	)	PUNCT
ejif-2832	264	11	,	,	PUNCT
ejif-2832	264	12	1	1	NUM
ejif-2832	264	13	–	–	PUNCT
ejif-2832	264	14	10	10	NUM
ejif-2832	264	15	.	.	PUNCT
ejif-2832	264	16	retrieved	retrieve	VERB
ejif-2832	264	17	from	from	ADP
ejif-2832	264	18	www.ijbmt.com	www.ijbmt.com	X
ejif-2832	265	1	[	[	X
ejif-2832	265	2	9	9	NUM
ejif-2832	265	3	]	]	SYM
ejif-2832	265	4	mokhtar	mokhtar	PROPN
ejif-2832	265	5	,	,	PUNCT
ejif-2832	265	6	s.	s.	PROPN
ejif-2832	265	7	h.	h.	PROPN
ejif-2832	265	8	,	,	PUNCT
ejif-2832	265	9	nartea	nartea	PROPN
ejif-2832	265	10	,	,	PUNCT
ejif-2832	265	11	g.	g.	PROPN
ejif-2832	265	12	,	,	PUNCT
ejif-2832	265	13	&	&	CCONJ
ejif-2832	265	14	gan	gan	PROPN
ejif-2832	265	15	,	,	PUNCT
ejif-2832	265	16	c.	c.	PROPN
ejif-2832	265	17	(	(	PUNCT
ejif-2832	265	18	2012	2012	NUM
ejif-2832	265	19	)	)	PUNCT
ejif-2832	265	20	.	.	PUNCT
ejif-2832	266	1	the	the	DET
ejif-2832	266	2	malaysian	malaysian	ADJ
ejif-2832	266	3	microfinance	microfinance	NOUN
ejif-2832	266	4	system	system	NOUN
ejif-2832	266	5	and	and	CCONJ
ejif-2832	266	6	a	a	DET
ejif-2832	266	7	comparison	comparison	NOUN
ejif-2832	266	8	with	with	ADP
ejif-2832	266	9	the	the	DET
ejif-2832	266	10	grameen	grameen	PROPN
ejif-2832	266	11	bank	bank	PROPN
ejif-2832	266	12	(	(	PUNCT
ejif-2832	266	13	bangladesh	bangladesh	PROPN
ejif-2832	266	14	)	)	PUNCT
ejif-2832	266	15	and	and	CCONJ
ejif-2832	266	16	bank	bank	PROPN
ejif-2832	266	17	perkreditan	perkreditan	PROPN
ejif-2832	266	18	rakyat	rakyat	PROPN
ejif-2832	266	19	(	(	PUNCT
ejif-2832	266	20	bpr	bpr	PROPN
ejif-2832	266	21	-	-	PUNCT
ejif-2832	266	22	indonesia	indonesia	PROPN
ejif-2832	266	23	)	)	PUNCT
ejif-2832	266	24	.	.	PUNCT
ejif-2832	267	1	journal	journal	PROPN
ejif-2832	267	2	of	of	ADP
ejif-2832	267	3	arts	art	NOUN
ejif-2832	267	4	and	and	CCONJ
ejif-2832	267	5	humanities	humanity	NOUN
ejif-2832	267	6	,	,	PUNCT
ejif-2832	267	7	1(3	1(3	NUM
ejif-2832	267	8	)	)	PUNCT
ejif-2832	267	9	,	,	PUNCT
ejif-2832	267	10	1–18	1–18	X
ejif-2832	268	1	[	[	X
ejif-2832	268	2	10	10	NUM
ejif-2832	268	3	]	]	X
ejif-2832	268	4	almamun	almamun	ADJ
ejif-2832	268	5	,	,	PUNCT
ejif-2832	268	6	a.-	a.-	PROPN
ejif-2832	268	7	,	,	PUNCT
ejif-2832	268	8	abdul	abdul	PROPN
ejif-2832	268	9	wahab	wahab	PROPN
ejif-2832	268	10	,	,	PUNCT
ejif-2832	268	11	s.	s.	PROPN
ejif-2832	268	12	,	,	PUNCT
ejif-2832	268	13	&	&	CCONJ
ejif-2832	268	14	malarvizhi	malarvizhi	PROPN
ejif-2832	268	15	,	,	PUNCT
ejif-2832	268	16	c.	c.	PROPN
ejif-2832	268	17	a.	a.	PROPN
ejif-2832	268	18	(	(	PUNCT
ejif-2832	268	19	2011	2011	NUM
ejif-2832	268	20	)	)	PUNCT
ejif-2832	268	21	.	.	PUNCT
ejif-2832	269	1	examining	examine	VERB
ejif-2832	269	2	the	the	DET
ejif-2832	269	3	effect	effect	NOUN
ejif-2832	269	4	of	of	ADP
ejif-2832	269	5	microcredit	microcredit	NOUN
ejif-2832	269	6	on	on	ADP
ejif-2832	269	7	employment	employment	NOUN
ejif-2832	269	8	in	in	ADP
ejif-2832	269	9	peninsular	peninsular	PROPN
ejif-2832	269	10	malaysia	malaysia	PROPN
ejif-2832	269	11	.	.	PUNCT
ejif-2832	270	1	journal	journal	PROPN
ejif-2832	270	2	of	of	ADP
ejif-2832	270	3	sustainable	sustainable	ADJ
ejif-2832	270	4	development	development	NOUN
ejif-2832	270	5	,	,	PUNCT
ejif-2832	270	6	4(2	4(2	NUM
ejif-2832	270	7	)	)	PUNCT
ejif-2832	270	8	,	,	PUNCT
ejif-2832	270	9	174–183	174–183	NUM
ejif-2832	270	10	.	.	PUNCT
ejif-2832	271	1	https://doi.org/10.5539/jsd.v4n2p174	https://doi.org/10.5539/jsd.v4n2p174	NOUN
ejif-2832	272	1	[	[	X
ejif-2832	272	2	11	11	NUM
ejif-2832	272	3	]	]	X
ejif-2832	272	4	nurasyiah	nurasyiah	PROPN
ejif-2832	272	5	,	,	PUNCT
ejif-2832	272	6	a.	a.	NOUN
ejif-2832	272	7	,	,	PUNCT
ejif-2832	272	8	utami	utami	NOUN
ejif-2832	272	9	,	,	PUNCT
ejif-2832	272	10	s.	s.	PROPN
ejif-2832	272	11	a.	a.	PROPN
ejif-2832	272	12	,	,	PUNCT
ejif-2832	272	13	&	&	CCONJ
ejif-2832	272	14	mahri	mahri	PROPN
ejif-2832	272	15	,	,	PUNCT
ejif-2832	272	16	a.	a.	PROPN
ejif-2832	272	17	j.	j.	PROPN
ejif-2832	272	18	w.	w.	PROPN
ejif-2832	272	19	(	(	PUNCT
ejif-2832	272	20	2016	2016	NUM
ejif-2832	272	21	)	)	PUNCT
ejif-2832	272	22	.	.	PUNCT
ejif-2832	273	1	the	the	DET
ejif-2832	273	2	challenges	challenge	NOUN
ejif-2832	273	3	of	of	ADP
ejif-2832	273	4	human	human	ADJ
ejif-2832	273	5	capital	capital	NOUN
ejif-2832	273	6	performance	performance	NOUN
ejif-2832	273	7	in	in	ADP
ejif-2832	273	8	developing	develop	VERB
ejif-2832	273	9	baitul	baitul	NOUN
ejif-2832	273	10	maal	maal	NOUN
ejif-2832	273	11	wat	wat	AUX
ejif-2832	273	12	tamwil	tamwil	VERB
ejif-2832	273	13	in	in	ADP
ejif-2832	273	14	indonesia	indonesia	PROPN
ejif-2832	273	15	,	,	PUNCT
ejif-2832	273	16	15	15	NUM
ejif-2832	273	17	,	,	PUNCT
ejif-2832	273	18	599–604	599–604	NUM
ejif-2832	273	19	[	[	X
ejif-2832	273	20	12	12	NUM
ejif-2832	273	21	]	]	PUNCT
ejif-2832	273	22	kholis	kholis	PROPN
ejif-2832	273	23	,	,	PUNCT
ejif-2832	273	24	n.	n.	NOUN
ejif-2832	273	25	(	(	PUNCT
ejif-2832	273	26	2012	2012	NUM
ejif-2832	273	27	)	)	PUNCT
ejif-2832	273	28	.	.	PUNCT
ejif-2832	274	1	the	the	DET
ejif-2832	274	2	prospect	prospect	NOUN
ejif-2832	274	3	of	of	ADP
ejif-2832	274	4	islamic	islamic	ADJ
ejif-2832	274	5	microfinance	microfinance	NOUN
ejif-2832	274	6	institutions	institution	NOUN
ejif-2832	274	7	in	in	ADP
ejif-2832	274	8	indonesia	indonesia	PROPN
ejif-2832	274	9	.	.	PUNCT
ejif-2832	275	1	episteme	episteme	PROPN
ejif-2832	275	2	,	,	PUNCT
ejif-2832	275	3	7	7	NUM
ejif-2832	275	4	[	[	SYM
ejif-2832	275	5	13	13	NUM
ejif-2832	275	6	]	]	PUNCT
ejif-2832	275	7	saad	saad	NOUN
ejif-2832	275	8	,	,	PUNCT
ejif-2832	275	9	n.	n.	PROPN
ejif-2832	275	10	m.	m.	NOUN
ejif-2832	275	11	(	(	PUNCT
ejif-2832	275	12	2012	2012	NUM
ejif-2832	275	13	)	)	PUNCT
ejif-2832	275	14	.	.	PUNCT
ejif-2832	276	1	microfinance	microfinance	NOUN
ejif-2832	276	2	and	and	CCONJ
ejif-2832	276	3	prospect	prospect	NOUN
ejif-2832	276	4	for	for	ADP
ejif-2832	276	5	islamic	islamic	ADJ
ejif-2832	276	6	microfinance	microfinance	NOUN
ejif-2832	276	7	products	product	NOUN
ejif-2832	276	8	:	:	PUNCT
ejif-2832	276	9	the	the	DET
ejif-2832	276	10	case	case	NOUN
ejif-2832	276	11	of	of	ADP
ejif-2832	276	12	amanah	amanah	PROPN
ejif-2832	276	13	ikhtiar	ikhtiar	VERB
ejif-2832	276	14	malaysia	malaysia	PROPN
ejif-2832	276	15	.	.	PUNCT
ejif-2832	277	1	advances	advance	NOUN
ejif-2832	277	2	in	in	ADP
ejif-2832	277	3	social	social	ADJ
ejif-2832	277	4	http://www.hrmars.com/journals	http://www.hrmars.com/journal	NOUN
ejif-2832	277	5	http://www.emeraldinsight.com/	http://www.emeraldinsight.com/	ADJ
ejif-2832	277	6	https://doi.org/10.6007/ijarbss/v3-i8/138	https://doi.org/10.6007/ijarbss/v3-i8/138	PROPN
ejif-2832	277	7	http://www.ijbmt.com/	http://www.ijbmt.com/	NOUN
ejif-2832	277	8	ejif	ejif	PROPN
ejif-2832	277	9	–	–	PUNCT
ejif-2832	277	10	european	european	PROPN
ejif-2832	277	11	journal	journal	PROPN
ejif-2832	277	12	of	of	ADP
ejif-2832	277	13	islamic	islamic	PROPN
ejif-2832	277	14	finance	finance	PROPN
ejif-2832	277	15	no15	no15	PROPN
ejif-2832	277	16	,	,	PUNCT
ejif-2832	277	17	august	august	PROPN
ejif-2832	277	18	(	(	PUNCT
ejif-2832	277	19	2020	2020	NUM
ejif-2832	277	20	)	)	PUNCT
ejif-2832	278	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	278	2	issn	issn	VERB
ejif-2832	278	3	2421	2421	NUM
ejif-2832	278	4	-	-	SYM
ejif-2832	278	5	2172	2172	NUM
ejif-2832	278	6	7	7	NUM
ejif-2832	278	7	science,1(1	science,1(1	ADJ
ejif-2832	278	8	)	)	PUNCT
ejif-2832	278	9	.	.	PUNCT
ejif-2832	279	1	retrieved	retrieve	VERB
ejif-2832	279	2	from	from	ADP
ejif-2832	279	3	http://irep.iium.edu.my/27269/1/possible_islamic_products_for_microcr	http://irep.iium.edu.my/27269/1/possible_islamic_products_for_microcr	VERB
ejif-2832	279	4	edit_scheme.pdf	edit_scheme.pdf	NOUN
ejif-2832	279	5	[	[	X
ejif-2832	279	6	14	14	NUM
ejif-2832	279	7	]	]	PUNCT
ejif-2832	279	8	rusydiana	rusydiana	NOUN
ejif-2832	279	9	,	,	PUNCT
ejif-2832	279	10	a.	a.	PROPN
ejif-2832	279	11	s.	s.	PROPN
ejif-2832	279	12	,	,	PUNCT
ejif-2832	279	13	&	&	CCONJ
ejif-2832	279	14	devi	devi	PROPN
ejif-2832	279	15	,	,	PUNCT
ejif-2832	279	16	a.	a.	NOUN
ejif-2832	279	17	(	(	PUNCT
ejif-2832	279	18	2013b	2013b	NUM
ejif-2832	279	19	)	)	PUNCT
ejif-2832	279	20	.	.	PUNCT
ejif-2832	280	1	challenges	challenge	NOUN
ejif-2832	280	2	in	in	ADP
ejif-2832	280	3	developing	develop	VERB
ejif-2832	280	4	baitul	baitul	NOUN
ejif-2832	280	5	maal	maal	NOUN
ejif-2832	280	6	wat	wat	AUX
ejif-2832	280	7	tamwiil	tamwiil	PROPN
ejif-2832	280	8	(	(	PUNCT
ejif-2832	280	9	bmt	bmt	NOUN
ejif-2832	280	10	)	)	PUNCT
ejif-2832	280	11	in	in	ADP
ejif-2832	280	12	indonesia	indonesia	PROPN
ejif-2832	280	13	using	use	VERB
ejif-2832	280	14	analytic	analytic	ADJ
ejif-2832	280	15	network	network	NOUN
ejif-2832	280	16	process	process	NOUN
ejif-2832	280	17	(	(	PUNCT
ejif-2832	280	18	anp	anp	PROPN
ejif-2832	280	19	)	)	PUNCT
ejif-2832	280	20	.	.	PUNCT
ejif-2832	281	1	business	business	NOUN
ejif-2832	281	2	and	and	CCONJ
ejif-2832	281	3	management	management	NOUN
ejif-2832	281	4	quarterly	quarterly	ADJ
ejif-2832	281	5	review	review	NOUN
ejif-2832	281	6	,	,	PUNCT
ejif-2832	281	7	4(2	4(2	NUM
ejif-2832	281	8	)	)	PUNCT
ejif-2832	281	9	,	,	PUNCT
ejif-2832	281	10	51	51	NUM
ejif-2832	281	11	–	–	PUNCT
ejif-2832	281	12	62	62	NUM
ejif-2832	281	13	.	.	PUNCT
ejif-2832	282	1	retrieved	retrieve	VERB
ejif-2832	282	2	from	from	ADP
ejif-2832	282	3	https://core.ac.uk/download/pdf/83283333.pdf	https://core.ac.uk/download/pdf/83283333.pdf	PROPN
ejif-2832	282	4	[	[	X
ejif-2832	282	5	15	15	NUM
ejif-2832	282	6	]	]	X
ejif-2832	282	7	https://www.aim.gov.my/maklumat-korporat-aim	https://www.aim.gov.my/maklumat-korporat-aim	NOUN
ejif-2832	283	1	[	[	X
ejif-2832	283	2	16	16	NUM
ejif-2832	283	3	]	]	SYM
ejif-2832	283	4	http://edbizconsulting.com/publications/isfire_11_2013.pdf	http://edbizconsulting.com/publications/isfire_11_2013.pdf	NOUN
ejif-2832	283	5	[	[	X
ejif-2832	283	6	17	17	NUM
ejif-2832	283	7	]	]	X
ejif-2832	283	8	mediawati	mediawati	NOUN
ejif-2832	283	9	,	,	PUNCT
ejif-2832	283	10	e.	e.	PROPN
ejif-2832	283	11	,	,	PUNCT
ejif-2832	283	12	&	&	CCONJ
ejif-2832	283	13	agustami	agustami	PROPN
ejif-2832	283	14	,	,	PUNCT
ejif-2832	283	15	s.	s.	PROPN
ejif-2832	283	16	(	(	PUNCT
ejif-2832	283	17	2016	2016	NUM
ejif-2832	283	18	)	)	PUNCT
ejif-2832	283	19	.	.	PUNCT
ejif-2832	284	1	sharia	sharia	PROPN
ejif-2832	284	2	compliance	compliance	NOUN
ejif-2832	284	3	on	on	ADP
ejif-2832	284	4	murabaha	murabaha	NOUN
ejif-2832	284	5	financing	financing	NOUN
ejif-2832	284	6	.	.	PUNCT
ejif-2832	285	1	advances	advance	NOUN
ejif-2832	285	2	in	in	ADP
ejif-2832	285	3	economics	economic	NOUN
ejif-2832	285	4	,	,	PUNCT
ejif-2832	285	5	business	business	NOUN
ejif-2832	285	6	and	and	CCONJ
ejif-2832	285	7	management	management	NOUN
ejif-2832	285	8	research	research	NOUN
ejif-2832	285	9	,	,	PUNCT
ejif-2832	285	10	15	15	NUM
ejif-2832	285	11	,	,	PUNCT
ejif-2832	285	12	161–162	161–162	NUM
ejif-2832	286	1	[	[	X
ejif-2832	286	2	18	18	NUM
ejif-2832	286	3	]	]	PUNCT
ejif-2832	286	4	abdul	abdul	PROPN
ejif-2832	286	5	rahman	rahman	PROPN
ejif-2832	286	6	,	,	PUNCT
ejif-2832	286	7	r.	r.	PROPN
ejif-2832	286	8	,	,	PUNCT
ejif-2832	286	9	&	&	CCONJ
ejif-2832	286	10	dean	dean	PROPN
ejif-2832	286	11	,	,	PUNCT
ejif-2832	286	12	f.	f.	PROPN
ejif-2832	286	13	(	(	PUNCT
ejif-2832	286	14	2013	2013	NUM
ejif-2832	286	15	)	)	PUNCT
ejif-2832	286	16	.	.	PUNCT
ejif-2832	287	1	challenges	challenge	NOUN
ejif-2832	287	2	and	and	CCONJ
ejif-2832	287	3	solutions	solution	NOUN
ejif-2832	287	4	in	in	ADP
ejif-2832	287	5	islamic	islamic	ADJ
ejif-2832	287	6	microfinance	microfinance	NOUN
ejif-2832	287	7	.	.	PUNCT
ejif-2832	288	1	humanomics	humanomic	NOUN
ejif-2832	288	2	,	,	PUNCT
ejif-2832	288	3	29(4	29(4	NOUN
ejif-2832	288	4	)	)	PUNCT
ejif-2832	288	5	,	,	PUNCT
ejif-2832	288	6	293–306	293–306	NUM
ejif-2832	288	7	.	.	PUNCT
ejif-2832	289	1	https://doi.org/10.1108/h-06-2012-0013	https://doi.org/10.1108/h-06-2012-0013	PROPN
ejif-2832	290	1	[	[	X
ejif-2832	290	2	19	19	NUM
ejif-2832	290	3	]	]	X
ejif-2832	290	4	effendi	effendi	X
ejif-2832	290	5	,	,	PUNCT
ejif-2832	290	6	j.	j.	PROPN
ejif-2832	290	7	,	,	PUNCT
ejif-2832	290	8	&	&	CCONJ
ejif-2832	290	9	utami	utami	PROPN
ejif-2832	290	10	,	,	PUNCT
ejif-2832	290	11	a.	a.	PROPN
ejif-2832	290	12	r.	r.	PROPN
ejif-2832	290	13	(	(	PUNCT
ejif-2832	290	14	2016	2016	NUM
ejif-2832	290	15	)	)	PUNCT
ejif-2832	290	16	.	.	PUNCT
ejif-2832	291	1	the	the	DET
ejif-2832	291	2	effect	effect	NOUN
ejif-2832	291	3	of	of	ADP
ejif-2832	291	4	social	social	ADJ
ejif-2832	291	5	capital	capital	NOUN
ejif-2832	291	6	on	on	ADP
ejif-2832	291	7	customer	customer	NOUN
ejif-2832	291	8	’s	’s	PART
ejif-2832	291	9	repayment	repayment	NOUN
ejif-2832	291	10	rate	rate	NOUN
ejif-2832	291	11	at	at	ADP
ejif-2832	291	12	islamic	islamic	ADJ
ejif-2832	291	13	microfinance	microfinance	NOUN
ejif-2832	291	14	institution	institution	NOUN
ejif-2832	291	15	.	.	PUNCT
ejif-2832	292	1	aliqtishad	aliqtishad	ADJ
ejif-2832	292	2	:	:	PUNCT
ejif-2832	292	3	journal	journal	NOUN
ejif-2832	292	4	of	of	ADP
ejif-2832	292	5	islamic	islamic	ADJ
ejif-2832	292	6	economics	economic	NOUN
ejif-2832	292	7	,	,	PUNCT
ejif-2832	292	8	8(2	8(2	NUM
ejif-2832	292	9	)	)	PUNCT
ejif-2832	292	10	,	,	PUNCT
ejif-2832	292	11	227–242	227–242	NUM
ejif-2832	292	12	.	.	PUNCT
ejif-2832	293	1	https://doi.org/10.15408/aiq.v8i2.2631	https://doi.org/10.15408/aiq.v8i2.2631	NOUN
ejif-2832	294	1	[	[	X
ejif-2832	294	2	20	20	NUM
ejif-2832	294	3	]	]	PUNCT
ejif-2832	294	4	abdul	abdul	PROPN
ejif-2832	294	5	wahab	wahab	PROPN
ejif-2832	294	6	,	,	PUNCT
ejif-2832	294	7	s.	s.	PROPN
ejif-2832	294	8	,	,	PUNCT
ejif-2832	294	9	almamun	almamun	ADJ
ejif-2832	294	10	,	,	PUNCT
ejif-2832	294	11	a.-	a.-	PROPN
ejif-2832	294	12	,	,	PUNCT
ejif-2832	294	13	malarvizhi	malarvizhi	PROPN
ejif-2832	294	14	,	,	PUNCT
ejif-2832	294	15	c.	c.	PROPN
ejif-2832	294	16	a.	a.	PROPN
ejif-2832	294	17	,	,	PUNCT
ejif-2832	294	18	&	&	CCONJ
ejif-2832	294	19	mariapun	mariapun	PROPN
ejif-2832	294	20	,	,	PUNCT
ejif-2832	294	21	s.	s.	PROPN
ejif-2832	294	22	(	(	PUNCT
ejif-2832	294	23	2011	2011	NUM
ejif-2832	294	24	)	)	PUNCT
ejif-2832	294	25	.	.	PUNCT
ejif-2832	295	1	examining	examine	VERB
ejif-2832	295	2	the	the	DET
ejif-2832	295	3	critical	critical	ADJ
ejif-2832	295	4	factors	factor	NOUN
ejif-2832	295	5	affecting	affect	VERB
ejif-2832	295	6	the	the	DET
ejif-2832	295	7	repayment	repayment	NOUN
ejif-2832	295	8	of	of	ADP
ejif-2832	295	9	microcredit	microcredit	NOUN
ejif-2832	295	10	schemes	scheme	NOUN
ejif-2832	295	11	in	in	ADP
ejif-2832	295	12	amanah	amanah	PROPN
ejif-2832	295	13	ikhtiar	ikhtiar	ADJ
ejif-2832	295	14	malaysia	malaysia	PROPN
ejif-2832	295	15	(	(	PUNCT
ejif-2832	295	16	aim	aim	NOUN
ejif-2832	295	17	)	)	PUNCT
ejif-2832	295	18	in	in	ADP
ejif-2832	295	19	malaysia	malaysia	PROPN
ejif-2832	295	20	.	.	PUNCT
ejif-2832	296	1	international	international	ADJ
ejif-2832	296	2	business	business	NOUN
ejif-2832	296	3	research	research	NOUN
ejif-2832	296	4	,	,	PUNCT
ejif-2832	296	5	4(2	4(2	NUM
ejif-2832	296	6	)	)	PUNCT
ejif-2832	296	7	,	,	PUNCT
ejif-2832	297	1	93–102	93–102	NUM
ejif-2832	297	2	.	.	PUNCT
ejif-2832	297	3	https://doi.org/10.5539/ibr.v4n2p93	https://doi.org/10.5539/ibr.v4n2p93	X
ejif-2832	298	1	[	[	X
ejif-2832	298	2	21	21	NUM
ejif-2832	298	3	]	]	X
ejif-2832	298	4	pbmt	pbmt	NOUN
ejif-2832	298	5	.	.	PUNCT
ejif-2832	299	1	(	(	PUNCT
ejif-2832	299	2	2015	2015	NUM
ejif-2832	299	3	)	)	PUNCT
ejif-2832	299	4	.	.	PUNCT
ejif-2832	300	1	haluan	haluan	PROPN
ejif-2832	300	2	bmt	bmt	PROPN
ejif-2832	300	3	2020	2020	NUM
ejif-2832	300	4	bmt	bmt	PROPN
ejif-2832	300	5	sebagai	sebagai	PROPN
ejif-2832	300	6	sokoguru	sokoguru	PROPN
ejif-2832	300	7	perekonomian	perekonomian	PROPN
ejif-2832	300	8	indonesia	indonesia	PROPN
ejif-2832	301	1	[	[	X
ejif-2832	301	2	22	22	NUM
ejif-2832	301	3	]	]	X
ejif-2832	301	4	mason	mason	PROPN
ejif-2832	301	5	,	,	PUNCT
ejif-2832	301	6	c.	c.	PROPN
ejif-2832	301	7	,	,	PUNCT
ejif-2832	301	8	wan	wan	PROPN
ejif-2832	301	9	azmi	azmi	PROPN
ejif-2832	301	10	,	,	PUNCT
ejif-2832	301	11	w.	w.	PROPN
ejif-2832	301	12	n.	n.	PROPN
ejif-2832	301	13	,	,	PUNCT
ejif-2832	301	14	&	&	CCONJ
ejif-2832	301	15	madden	madden	PROPN
ejif-2832	301	16	,	,	PUNCT
ejif-2832	301	17	r.	r.	PROPN
ejif-2832	301	18	(	(	PUNCT
ejif-2832	301	19	2015	2015	NUM
ejif-2832	301	20	)	)	PUNCT
ejif-2832	301	21	.	.	PUNCT
ejif-2832	302	1	aiming	aim	VERB
ejif-2832	302	2	for	for	ADP
ejif-2832	302	3	greater	great	ADJ
ejif-2832	302	4	financial	financial	ADJ
ejif-2832	302	5	inclusion	inclusion	NOUN
ejif-2832	302	6	through	through	ADP
ejif-2832	302	7	sustainable	sustainable	ADJ
ejif-2832	302	8	development	development	NOUN
ejif-2832	302	9	:	:	PUNCT
ejif-2832	302	10	the	the	DET
ejif-2832	302	11	story	story	NOUN
ejif-2832	302	12	of	of	ADP
ejif-2832	302	13	aim	aim	NOUN
ejif-2832	302	14	(	(	PUNCT
ejif-2832	302	15	amanah	amanah	PROPN
ejif-2832	302	16	ikhtiar	ikhtiar	VERB
ejif-2832	302	17	malaysia	malaysia	PROPN
ejif-2832	302	18	)	)	PUNCT
ejif-2832	303	1	https://www.aim.gov.my/maklumat-korporat-aim	https://www.aim.gov.my/maklumat-korporat-aim	PROPN
ejif-2832	303	2	http://edbizconsulting.com/publications/isfire_11_2013.pdf	http://edbizconsulting.com/publications/isfire_11_2013.pdf	NOUN
ejif-2832	303	3	https://doi.org/10.5539/ibr.v4n2p93	https://doi.org/10.5539/ibr.v4n2p93	NOUN
ejif-2832	303	4	ejif	ejif	PROPN
ejif-2832	303	5	–	–	PUNCT
ejif-2832	303	6	european	european	PROPN
ejif-2832	303	7	journal	journal	PROPN
ejif-2832	303	8	of	of	ADP
ejif-2832	303	9	islamic	islamic	PROPN
ejif-2832	303	10	finance	finance	PROPN
ejif-2832	303	11	no15	no15	PROPN
ejif-2832	303	12	,	,	PUNCT
ejif-2832	303	13	august	august	PROPN
ejif-2832	303	14	(	(	PUNCT
ejif-2832	303	15	2020	2020	NUM
ejif-2832	303	16	)	)	PUNCT
ejif-2832	304	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2832	304	2	issn	issn	VERB
ejif-2832	304	3	2421	2421	NUM
ejif-2832	304	4	-	-	SYM
ejif-2832	304	5	2172	2172	NUM
ejif-2832	304	6	8	8	NUM