id	sid	tid	token	lemma	pos
ejif-3269	1	1	paper	paper	NOUN
ejif-3269	1	2	title	title	NOUN
ejif-3269	1	3	(	(	PUNCT
ejif-3269	1	4	use	use	NOUN
ejif-3269	1	5	style	style	NOUN
ejif-3269	1	6	:	:	PUNCT
ejif-3269	1	7	paper	paper	NOUN
ejif-3269	1	8	title	title	NOUN
ejif-3269	1	9	)	)	PUNCT
ejif-3269	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	1	11	issn	issn	VERB
ejif-3269	1	12	2421	2421	NUM
ejif-3269	1	13	-	-	SYM
ejif-3269	1	14	2172	2172	NUM
ejif-3269	1	15	1	1	NUM
ejif-3269	1	16	future	future	ADJ
ejif-3269	1	17	trends	trend	NOUN
ejif-3269	1	18	and	and	CCONJ
ejif-3269	1	19	finance	finance	NOUN
ejif-3269	1	20	approaches	approach	NOUN
ejif-3269	1	21	in	in	ADP
ejif-3269	1	22	islamic	islamic	ADJ
ejif-3269	1	23	banking	banking	NOUN
ejif-3269	1	24	1	1	NUM
ejif-3269	1	25	university	university	PROPN
ejif-3269	1	26	of	of	ADP
ejif-3269	1	27	turin	turin	PROPN
ejif-3269	1	28	,	,	PUNCT
ejif-3269	1	29	italy	italy	PROPN
ejif-3269	1	30	,	,	PUNCT
ejif-3269	1	31	sepideh.khavarinezhad@unito.it	sepideh.khavarinezhad@unito.it	VERB
ejif-3269	1	32	2	2	NUM
ejif-3269	1	33	university	university	NOUN
ejif-3269	1	34	of	of	ADP
ejif-3269	1	35	turin	turin	PROPN
ejif-3269	1	36	,	,	PUNCT
ejif-3269	1	37	italy	italy	PROPN
ejif-3269	1	38	,	,	PUNCT
ejif-3269	1	39	paolo.biancone@unito.it	paolo.biancone@unito.it	NOUN
ejif-3269	1	40	abstract	abstract	ADV
ejif-3269	1	41	briefly	briefly	ADV
ejif-3269	1	42	,	,	PUNCT
ejif-3269	1	43	islamic	islamic	ADJ
ejif-3269	1	44	banking	banking	NOUN
ejif-3269	1	45	refers	refer	VERB
ejif-3269	1	46	to	to	ADP
ejif-3269	1	47	financial	financial	ADJ
ejif-3269	1	48	activities	activity	NOUN
ejif-3269	1	49	that	that	PRON
ejif-3269	1	50	are	be	AUX
ejif-3269	1	51	governed	govern	VERB
ejif-3269	1	52	by	by	ADP
ejif-3269	1	53	the	the	DET
ejif-3269	1	54	teachings	teaching	NOUN
ejif-3269	1	55	of	of	ADP
ejif-3269	1	56	the	the	DET
ejif-3269	1	57	islamic	islamic	ADJ
ejif-3269	1	58	law	law	PROPN
ejif-3269	1	59	(	(	PUNCT
ejif-3269	1	60	quran	quran	PROPN
ejif-3269	1	61	,	,	PUNCT
ejif-3269	1	62	sharia	sharia	PROPN
ejif-3269	1	63	)	)	PUNCT
ejif-3269	1	64	and	and	CCONJ
ejif-3269	1	65	essentially	essentially	ADV
ejif-3269	1	66	prevent	prevent	VERB
ejif-3269	1	67	payments	payment	NOUN
ejif-3269	1	68	and	and	CCONJ
ejif-3269	1	69	receive	receive	VERB
ejif-3269	1	70	interests	interest	NOUN
ejif-3269	1	71	.	.	PUNCT
ejif-3269	2	1	islamic	islamic	ADJ
ejif-3269	2	2	banking	banking	NOUN
ejif-3269	2	3	today	today	NOUN
ejif-3269	2	4	attracts	attract	VERB
ejif-3269	2	5	muslim	muslim	ADJ
ejif-3269	2	6	and	and	CCONJ
ejif-3269	2	7	non	non	ADJ
ejif-3269	2	8	-	-	ADJ
ejif-3269	2	9	muslim	muslim	ADJ
ejif-3269	2	10	market	market	NOUN
ejif-3269	2	11	player	player	NOUN
ejif-3269	2	12	.	.	PUNCT
ejif-3269	3	1	while	while	SCONJ
ejif-3269	3	2	the	the	DET
ejif-3269	3	3	global	global	ADJ
ejif-3269	3	4	financial	financial	ADJ
ejif-3269	3	5	tension	tension	NOUN
ejif-3269	3	6	has	have	AUX
ejif-3269	3	7	created	create	VERB
ejif-3269	3	8	new	new	ADJ
ejif-3269	3	9	weaknesses	weakness	NOUN
ejif-3269	3	10	in	in	ADP
ejif-3269	3	11	the	the	DET
ejif-3269	3	12	international	international	ADJ
ejif-3269	3	13	financial	financial	ADJ
ejif-3269	3	14	system	system	NOUN
ejif-3269	3	15	around	around	ADP
ejif-3269	3	16	the	the	DET
ejif-3269	3	17	world	world	NOUN
ejif-3269	3	18	,	,	PUNCT
ejif-3269	3	19	islamic	islamic	ADJ
ejif-3269	3	20	banking	banking	NOUN
ejif-3269	3	21	demonstrate	demonstrate	NOUN
ejif-3269	3	22	symptoms	symptom	NOUN
ejif-3269	3	23	of	of	ADP
ejif-3269	3	24	relative	relative	ADJ
ejif-3269	3	25	resistance	resistance	NOUN
ejif-3269	3	26	to	to	ADP
ejif-3269	3	27	these	these	DET
ejif-3269	3	28	shocks	shock	NOUN
ejif-3269	3	29	.	.	PUNCT
ejif-3269	4	1	it	it	PRON
ejif-3269	4	2	is	be	AUX
ejif-3269	4	3	even	even	ADV
ejif-3269	4	4	argued	argue	VERB
ejif-3269	4	5	that	that	SCONJ
ejif-3269	4	6	if	if	SCONJ
ejif-3269	4	7	islamic	islamic	ADJ
ejif-3269	4	8	principles	principle	NOUN
ejif-3269	4	9	were	be	AUX
ejif-3269	4	10	implemented	implement	VERB
ejif-3269	4	11	,	,	PUNCT
ejif-3269	4	12	it	it	PRON
ejif-3269	4	13	would	would	AUX
ejif-3269	4	14	prevent	prevent	VERB
ejif-3269	4	15	a	a	DET
ejif-3269	4	16	financial	financial	ADJ
ejif-3269	4	17	crisis	crisis	NOUN
ejif-3269	4	18	.	.	PUNCT
ejif-3269	5	1	despite	despite	SCONJ
ejif-3269	5	2	the	the	DET
ejif-3269	5	3	fact	fact	NOUN
ejif-3269	5	4	that	that	SCONJ
ejif-3269	5	5	the	the	DET
ejif-3269	5	6	growth	growth	NOUN
ejif-3269	5	7	of	of	ADP
ejif-3269	5	8	islamic	islamic	ADJ
ejif-3269	5	9	banking	banking	NOUN
ejif-3269	5	10	in	in	ADP
ejif-3269	5	11	recent	recent	ADJ
ejif-3269	5	12	years	year	NOUN
ejif-3269	5	13	has	have	AUX
ejif-3269	5	14	promising	promise	VERB
ejif-3269	5	15	a	a	DET
ejif-3269	5	16	bright	bright	ADJ
ejif-3269	5	17	future	future	NOUN
ejif-3269	5	18	in	in	ADP
ejif-3269	5	19	this	this	DET
ejif-3269	5	20	area	area	NOUN
ejif-3269	5	21	,	,	PUNCT
ejif-3269	5	22	it	it	PRON
ejif-3269	5	23	is	be	AUX
ejif-3269	5	24	imperative	imperative	ADJ
ejif-3269	5	25	that	that	SCONJ
ejif-3269	5	26	islamic	islamic	ADJ
ejif-3269	5	27	financial	financial	ADJ
ejif-3269	5	28	institutions	institution	NOUN
ejif-3269	5	29	and	and	CCONJ
ejif-3269	5	30	islamic	islamic	ADJ
ejif-3269	5	31	banks	bank	NOUN
ejif-3269	5	32	do	do	VERB
ejif-3269	5	33	many	many	ADJ
ejif-3269	5	34	things	thing	NOUN
ejif-3269	5	35	.	.	PUNCT
ejif-3269	6	1	islamic	islamic	ADJ
ejif-3269	6	2	banks	bank	NOUN
ejif-3269	6	3	,	,	PUNCT
ejif-3269	6	4	which	which	PRON
ejif-3269	6	5	are	be	AUX
ejif-3269	6	6	now	now	ADV
ejif-3269	6	7	focusing	focus	VERB
ejif-3269	6	8	on	on	ADP
ejif-3269	6	9	strategic	strategic	ADJ
ejif-3269	6	10	options	option	NOUN
ejif-3269	6	11	and	and	CCONJ
ejif-3269	6	12	basic	basic	ADJ
ejif-3269	6	13	operations	operation	NOUN
ejif-3269	6	14	and	and	CCONJ
ejif-3269	6	15	infrastructure	infrastructure	NOUN
ejif-3269	6	16	,	,	PUNCT
ejif-3269	6	17	will	will	AUX
ejif-3269	6	18	be	be	AUX
ejif-3269	6	19	in	in	ADP
ejif-3269	6	20	a	a	DET
ejif-3269	6	21	more	more	ADV
ejif-3269	6	22	powerful	powerful	ADJ
ejif-3269	6	23	position	position	NOUN
ejif-3269	6	24	in	in	ADP
ejif-3269	6	25	order	order	NOUN
ejif-3269	6	26	to	to	PART
ejif-3269	6	27	achieve	achieve	VERB
ejif-3269	6	28	the	the	DET
ejif-3269	6	29	intact	intact	ADJ
ejif-3269	6	30	market	market	NOUN
ejif-3269	6	31	excellent	excellent	ADJ
ejif-3269	6	32	opportunities	opportunity	NOUN
ejif-3269	6	33	and	and	CCONJ
ejif-3269	6	34	manipulate	manipulate	VERB
ejif-3269	6	35	the	the	DET
ejif-3269	6	36	changing	change	VERB
ejif-3269	6	37	dynamics	dynamic	NOUN
ejif-3269	6	38	of	of	ADP
ejif-3269	6	39	their	their	PRON
ejif-3269	6	40	industry	industry	NOUN
ejif-3269	6	41	.	.	PUNCT
ejif-3269	7	1	keywords	keyword	VERB
ejif-3269	7	2	islamic	islamic	ADJ
ejif-3269	7	3	banking	banking	NOUN
ejif-3269	7	4	,	,	PUNCT
ejif-3269	7	5	conventional	conventional	ADJ
ejif-3269	7	6	banking	banking	NOUN
ejif-3269	7	7	,	,	PUNCT
ejif-3269	7	8	market	market	NOUN
ejif-3269	7	9	strategy	strategy	NOUN
ejif-3269	7	10	,	,	PUNCT
ejif-3269	7	11	operational	operational	ADJ
ejif-3269	7	12	efficiency	efficiency	NOUN
ejif-3269	7	13	,	,	PUNCT
ejif-3269	7	14	finance	finance	NOUN
ejif-3269	7	15	approaches	approach	VERB
ejif-3269	7	16	i.	i.	NOUN
ejif-3269	7	17	introduction	introduction	NOUN
ejif-3269	7	18	in	in	ADP
ejif-3269	7	19	brief	brief	NOUN
ejif-3269	7	20	,	,	PUNCT
ejif-3269	7	21	the	the	DET
ejif-3269	7	22	existence	existence	NOUN
ejif-3269	7	23	of	of	ADP
ejif-3269	7	24	islamic	islamic	ADJ
ejif-3269	7	25	banks	bank	NOUN
ejif-3269	7	26	in	in	ADP
ejif-3269	7	27	the	the	DET
ejif-3269	7	28	second	second	ADJ
ejif-3269	7	29	half	half	NOUN
ejif-3269	7	30	of	of	ADP
ejif-3269	7	31	the	the	DET
ejif-3269	7	32	20th	20th	ADJ
ejif-3269	7	33	century	century	NOUN
ejif-3269	7	34	came	come	VERB
ejif-3269	7	35	as	as	ADP
ejif-3269	7	36	an	an	DET
ejif-3269	7	37	offshoot	offshoot	NOUN
ejif-3269	7	38	of	of	ADP
ejif-3269	7	39	the	the	DET
ejif-3269	7	40	newly	newly	ADV
ejif-3269	7	41	rediscovered	rediscover	VERB
ejif-3269	7	42	islamic	islamic	ADJ
ejif-3269	7	43	economics	economic	NOUN
ejif-3269	7	44	[	[	X
ejif-3269	7	45	1	1	NUM
ejif-3269	7	46	]	]	PUNCT
ejif-3269	7	47	.	.	PUNCT
ejif-3269	8	1	the	the	DET
ejif-3269	8	2	purpose	purpose	NOUN
ejif-3269	8	3	of	of	ADP
ejif-3269	8	4	islamic	islamic	ADJ
ejif-3269	8	5	banking	banking	NOUN
ejif-3269	8	6	is	be	AUX
ejif-3269	8	7	to	to	PART
ejif-3269	8	8	finance	finance	VERB
ejif-3269	8	9	activities	activity	NOUN
ejif-3269	8	10	that	that	PRON
ejif-3269	8	11	are	be	AUX
ejif-3269	8	12	governed	govern	VERB
ejif-3269	8	13	by	by	ADP
ejif-3269	8	14	the	the	DET
ejif-3269	8	15	doctrine	doctrine	NOUN
ejif-3269	8	16	of	of	ADP
ejif-3269	8	17	the	the	DET
ejif-3269	8	18	islamic	islamic	ADJ
ejif-3269	8	19	principle	principle	NOUN
ejif-3269	8	20	of	of	ADP
ejif-3269	8	21	islam	islam	PROPN
ejif-3269	8	22	and	and	CCONJ
ejif-3269	8	23	essentially	essentially	ADV
ejif-3269	8	24	prevent	prevent	VERB
ejif-3269	8	25	payments	payment	NOUN
ejif-3269	8	26	and	and	CCONJ
ejif-3269	8	27	receive	receive	VERB
ejif-3269	8	28	interests	interest	NOUN
ejif-3269	8	29	[	[	X
ejif-3269	8	30	2	2	NUM
ejif-3269	8	31	]	]	PUNCT
ejif-3269	8	32	.	.	PUNCT
ejif-3269	9	1	islamic	islamic	ADJ
ejif-3269	9	2	banking	banking	PROPN
ejif-3269	9	3	today	today	NOUN
ejif-3269	9	4	attracts	attract	VERB
ejif-3269	9	5	muslim	muslim	ADJ
ejif-3269	9	6	and	and	CCONJ
ejif-3269	9	7	non	non	ADJ
ejif-3269	9	8	-	-	ADJ
ejif-3269	9	9	muslim	muslim	ADJ
ejif-3269	9	10	market	market	NOUN
ejif-3269	9	11	players	player	NOUN
ejif-3269	9	12	.	.	PUNCT
ejif-3269	10	1	the	the	DET
ejif-3269	10	2	global	global	ADJ
ejif-3269	10	3	market	market	NOUN
ejif-3269	10	4	for	for	ADP
ejif-3269	10	5	sharia	sharia	NOUN
ejif-3269	10	6	-	-	PUNCT
ejif-3269	10	7	compliant	compliant	ADJ
ejif-3269	10	8	financial	financial	ADJ
ejif-3269	10	9	products	product	NOUN
ejif-3269	10	10	is	be	AUX
ejif-3269	10	11	estimated	estimate	VERB
ejif-3269	10	12	at	at	ADP
ejif-3269	10	13	$	$	SYM
ejif-3269	10	14	800	800	NUM
ejif-3269	10	15	billion	billion	NUM
ejif-3269	10	16	to	to	PART
ejif-3269	10	17	$	$	SYM
ejif-3269	10	18	1	1	NUM
ejif-3269	10	19	trillion	trillion	NUM
ejif-3269	10	20	.	.	PUNCT
ejif-3269	11	1	according	accord	VERB
ejif-3269	11	2	to	to	ADP
ejif-3269	11	3	international	international	ADJ
ejif-3269	11	4	financial	financial	ADJ
ejif-3269	11	5	services	service	NOUN
ejif-3269	11	6	london	london	PROPN
ejif-3269	11	7	,	,	PUNCT
ejif-3269	11	8	by	by	ADP
ejif-3269	11	9	the	the	DET
ejif-3269	11	10	end	end	NOUN
ejif-3269	11	11	of	of	ADP
ejif-3269	11	12	2008	2008	NUM
ejif-3269	11	13	,	,	PUNCT
ejif-3269	11	14	sharia	sharia	PROPN
ejif-3269	11	15	(	(	PUNCT
ejif-3269	11	16	religious	religious	ADJ
ejif-3269	11	17	l	l	NOUN
ejif-3269	11	18	-	-	PUNCT
ejif-3269	11	19	owned	own	VERB
ejif-3269	11	20	assets	asset	NOUN
ejif-3269	11	21	have	have	AUX
ejif-3269	11	22	risen	rise	VERB
ejif-3269	11	23	to	to	ADP
ejif-3269	11	24	$	$	SYM
ejif-3269	11	25	951	951	NUM
ejif-3269	11	26	billion	billion	NUM
ejif-3269	11	27	that	that	PRON
ejif-3269	11	28	increase	increase	NOUN
ejif-3269	11	29	of	of	ADP
ejif-3269	11	30	25	25	NUM
ejif-3269	11	31	per	per	NOUN
ejif-3269	11	32	cent	cent	NOUN
ejif-3269	11	33	from	from	ADP
ejif-3269	11	34	$	$	SYM
ejif-3269	11	35	758	758	NUM
ejif-3269	11	36	billion	billion	NUM
ejif-3269	11	37	in	in	ADP
ejif-3269	11	38	2016	2016	NUM
ejif-3269	11	39	and	and	CCONJ
ejif-3269	11	40	75	75	NUM
ejif-3269	11	41	per	per	ADP
ejif-3269	11	42	cent	cent	NOUN
ejif-3269	11	43	from	from	ADP
ejif-3269	11	44	$	$	SYM
ejif-3269	11	45	549	549	NUM
ejif-3269	11	46	billion	billion	NUM
ejif-3269	11	47	in	in	ADP
ejif-3269	11	48	2018	2018	NUM
ejif-3269	11	49	(	(	PUNCT
ejif-3269	11	50	the	the	DET
ejif-3269	11	51	islamic	islamic	PROPN
ejif-3269	11	52	finance	finance	NOUN
ejif-3269	11	53	industry	industry	NOUN
ejif-3269	11	54	has	have	AUX
ejif-3269	11	55	grown	grow	VERB
ejif-3269	11	56	at	at	ADP
ejif-3269	11	57	an	an	DET
ejif-3269	11	58	annual	annual	ADJ
ejif-3269	11	59	rate	rate	NOUN
ejif-3269	11	60	of	of	ADP
ejif-3269	11	61	15	15	NUM
ejif-3269	11	62	-	-	SYM
ejif-3269	11	63	20	20	NUM
ejif-3269	11	64	%	%	NOUN
ejif-3269	11	65	,	,	PUNCT
ejif-3269	11	66	much	much	ADV
ejif-3269	11	67	larger	large	ADJ
ejif-3269	11	68	than	than	ADP
ejif-3269	11	69	the	the	DET
ejif-3269	11	70	growth	growth	NOUN
ejif-3269	11	71	of	of	ADP
ejif-3269	11	72	the	the	DET
ejif-3269	11	73	traditional	traditional	ADJ
ejif-3269	11	74	financial	financial	ADJ
ejif-3269	11	75	industry	industry	NOUN
ejif-3269	11	76	(	(	PUNCT
ejif-3269	11	77	conventional	conventional	ADJ
ejif-3269	11	78	)	)	PUNCT
ejif-3269	11	79	.	.	PUNCT
ejif-3269	12	1	islamic	islamic	ADJ
ejif-3269	12	2	financing	financing	NOUN
ejif-3269	12	3	mechanisms	mechanism	NOUN
ejif-3269	12	4	have	have	VERB
ejif-3269	12	5	different	different	ADJ
ejif-3269	12	6	alternative	alternative	ADJ
ejif-3269	12	7	forms	form	NOUN
ejif-3269	12	8	and	and	CCONJ
ejif-3269	12	9	transactions	transaction	NOUN
ejif-3269	12	10	from	from	ADP
ejif-3269	12	11	the	the	DET
ejif-3269	12	12	conventional	conventional	ADJ
ejif-3269	12	13	financial	financial	ADJ
ejif-3269	12	14	institutions	institution	NOUN
ejif-3269	12	15	in	in	ADP
ejif-3269	12	16	which	which	PRON
ejif-3269	12	17	they	they	PRON
ejif-3269	12	18	do	do	AUX
ejif-3269	12	19	not	not	PART
ejif-3269	12	20	deal	deal	VERB
ejif-3269	12	21	with	with	ADP
ejif-3269	12	22	interest	interest	NOUN
ejif-3269	12	23	[	[	X
ejif-3269	12	24	1	1	NUM
ejif-3269	12	25	]	]	PUNCT
ejif-3269	12	26	.	.	PUNCT
ejif-3269	13	1	while	while	SCONJ
ejif-3269	13	2	the	the	DET
ejif-3269	13	3	global	global	ADJ
ejif-3269	13	4	financial	financial	ADJ
ejif-3269	13	5	crisis	crisis	NOUN
ejif-3269	13	6	has	have	AUX
ejif-3269	13	7	created	create	VERB
ejif-3269	13	8	new	new	ADJ
ejif-3269	13	9	weaknesses	weakness	NOUN
ejif-3269	13	10	in	in	ADP
ejif-3269	13	11	the	the	DET
ejif-3269	13	12	international	international	ADJ
ejif-3269	13	13	financial	financial	ADJ
ejif-3269	13	14	system	system	NOUN
ejif-3269	13	15	around	around	ADP
ejif-3269	13	16	the	the	DET
ejif-3269	13	17	world	world	NOUN
ejif-3269	13	18	,	,	PUNCT
ejif-3269	13	19	islamic	islamic	ADJ
ejif-3269	13	20	financial	financial	PROPN
ejif-3269	13	21	showed	show	VERB
ejif-3269	13	22	an	an	DET
ejif-3269	13	23	indication	indication	NOUN
ejif-3269	13	24	of	of	ADP
ejif-3269	13	25	relative	relative	ADJ
ejif-3269	13	26	resistance	resistance	NOUN
ejif-3269	13	27	to	to	ADP
ejif-3269	13	28	shocks	shock	NOUN
ejif-3269	13	29	.	.	PUNCT
ejif-3269	14	1	it	it	PRON
ejif-3269	14	2	is	be	AUX
ejif-3269	14	3	even	even	ADV
ejif-3269	14	4	argued	argue	VERB
ejif-3269	14	5	that	that	SCONJ
ejif-3269	14	6	if	if	SCONJ
ejif-3269	14	7	the	the	DET
ejif-3269	14	8	islamic	islamic	ADJ
ejif-3269	14	9	principles	principle	NOUN
ejif-3269	14	10	were	be	AUX
ejif-3269	14	11	implemented	implement	VERB
ejif-3269	14	12	,	,	PUNCT
ejif-3269	14	13	it	it	PRON
ejif-3269	14	14	would	would	AUX
ejif-3269	14	15	prevent	prevent	VERB
ejif-3269	14	16	a	a	DET
ejif-3269	14	17	financial	financial	ADJ
ejif-3269	14	18	crisis	crisis	NOUN
ejif-3269	14	19	[	[	X
ejif-3269	14	20	2	2	NUM
ejif-3269	14	21	]	]	PUNCT
ejif-3269	14	22	.	.	PUNCT
ejif-3269	15	1	these	these	DET
ejif-3269	15	2	sharia	sharia	PROPN
ejif-3269	15	3	principles	principle	NOUN
ejif-3269	15	4	have	have	VERB
ejif-3269	15	5	a	a	DET
ejif-3269	15	6	fundamental	fundamental	ADJ
ejif-3269	15	7	concept	concept	NOUN
ejif-3269	15	8	that	that	SCONJ
ejif-3269	15	9	god	god	PROPN
ejif-3269	15	10	is	be	AUX
ejif-3269	15	11	the	the	DET
ejif-3269	15	12	owner	owner	NOUN
ejif-3269	15	13	of	of	ADP
ejif-3269	15	14	the	the	DET
ejif-3269	15	15	whole	whole	ADJ
ejif-3269	15	16	world	world	NOUN
ejif-3269	15	17	as	as	ADV
ejif-3269	15	18	well	well	ADV
ejif-3269	15	19	as	as	ADP
ejif-3269	15	20	the	the	DET
ejif-3269	15	21	whole	whole	ADJ
ejif-3269	15	22	wealth	wealth	NOUN
ejif-3269	15	23	.	.	PUNCT
ejif-3269	16	1	muslims	muslim	NOUN
ejif-3269	16	2	have	have	VERB
ejif-3269	16	3	the	the	DET
ejif-3269	16	4	right	right	NOUN
ejif-3269	16	5	to	to	PART
ejif-3269	16	6	enjoy	enjoy	VERB
ejif-3269	16	7	their	their	PRON
ejif-3269	16	8	wealth	wealth	NOUN
ejif-3269	16	9	providing	provide	VERB
ejif-3269	16	10	that	that	SCONJ
ejif-3269	16	11	it	it	PRON
ejif-3269	16	12	is	be	AUX
ejif-3269	16	13	realized	realize	VERB
ejif-3269	16	14	or	or	CCONJ
ejif-3269	16	15	invested	invest	VERB
ejif-3269	16	16	in	in	ADP
ejif-3269	16	17	a	a	DET
ejif-3269	16	18	way	way	NOUN
ejif-3269	16	19	that	that	PRON
ejif-3269	16	20	is	be	AUX
ejif-3269	16	21	adhering	adhere	VERB
ejif-3269	16	22	to	to	ADP
ejif-3269	16	23	sharia	sharia	PROPN
ejif-3269	16	24	principles	principle	NOUN
ejif-3269	16	25	[	[	X
ejif-3269	16	26	1	1	NUM
ejif-3269	16	27	]	]	PUNCT
ejif-3269	16	28	.	.	PUNCT
ejif-3269	17	1	islamic	islamic	ADJ
ejif-3269	17	2	financial	financial	ADJ
ejif-3269	17	3	instruments	instrument	NOUN
ejif-3269	17	4	should	should	AUX
ejif-3269	17	5	all	all	ADV
ejif-3269	17	6	follow	follow	VERB
ejif-3269	17	7	the	the	DET
ejif-3269	17	8	sharia	sharia	PROPN
ejif-3269	17	9	dictates.[3	dictates.[3	NOUN
ejif-3269	17	10	]	]	PUNCT
ejif-3269	17	11	however	however	ADV
ejif-3269	17	12	,	,	PUNCT
ejif-3269	17	13	some	some	PRON
ejif-3269	17	14	of	of	ADP
ejif-3269	17	15	the	the	DET
ejif-3269	17	16	effects	effect	NOUN
ejif-3269	17	17	of	of	ADP
ejif-3269	17	18	the	the	DET
ejif-3269	17	19	crisis	crisis	NOUN
ejif-3269	17	20	were	be	AUX
ejif-3269	17	21	felt	feel	VERB
ejif-3269	17	22	in	in	ADP
ejif-3269	17	23	the	the	DET
ejif-3269	17	24	industry	industry	NOUN
ejif-3269	17	25	and	and	CCONJ
ejif-3269	17	26	exposed	expose	VERB
ejif-3269	17	27	vulnerabilities	vulnerability	NOUN
ejif-3269	17	28	that	that	PRON
ejif-3269	17	29	need	need	VERB
ejif-3269	17	30	to	to	PART
ejif-3269	17	31	be	be	AUX
ejif-3269	17	32	quickly	quickly	ADV
ejif-3269	17	33	identified	identify	VERB
ejif-3269	17	34	in	in	ADP
ejif-3269	17	35	order	order	NOUN
ejif-3269	17	36	to	to	PART
ejif-3269	17	37	sustain	sustain	VERB
ejif-3269	17	38	the	the	DET
ejif-3269	17	39	growth	growth	NOUN
ejif-3269	17	40	of	of	ADP
ejif-3269	17	41	islamic	islamic	ADJ
ejif-3269	17	42	banking	banking	NOUN
ejif-3269	18	1	[	[	X
ejif-3269	18	2	3	3	NUM
ejif-3269	18	3	]	]	PUNCT
ejif-3269	18	4	.	.	PUNCT
ejif-3269	19	1	in	in	ADP
ejif-3269	19	2	spite	spite	NOUN
ejif-3269	19	3	of	of	ADP
ejif-3269	19	4	the	the	DET
ejif-3269	19	5	fact	fact	NOUN
ejif-3269	19	6	that	that	SCONJ
ejif-3269	19	7	there	there	PRON
ejif-3269	19	8	is	be	VERB
ejif-3269	19	9	no	no	DET
ejif-3269	19	10	consensus	consensus	NOUN
ejif-3269	19	11	about	about	ADP
ejif-3269	19	12	the	the	DET
ejif-3269	19	13	causes	cause	NOUN
ejif-3269	19	14	of	of	ADP
ejif-3269	19	15	the	the	DET
ejif-3269	19	16	global	global	ADJ
ejif-3269	19	17	financial	financial	ADJ
ejif-3269	19	18	crisis	crisis	NOUN
ejif-3269	19	19	,	,	PUNCT
ejif-3269	19	20	there	there	PRON
ejif-3269	19	21	are	be	VERB
ejif-3269	19	22	a	a	DET
ejif-3269	19	23	number	number	NOUN
ejif-3269	19	24	of	of	ADP
ejif-3269	19	25	different	different	ADJ
ejif-3269	19	26	authors	author	NOUN
ejif-3269	19	27	who	who	PRON
ejif-3269	19	28	have	have	AUX
ejif-3269	19	29	made	make	VERB
ejif-3269	19	30	a	a	DET
ejif-3269	19	31	lot	lot	NOUN
ejif-3269	19	32	of	of	ADP
ejif-3269	19	33	guesses	guess	NOUN
ejif-3269	19	34	.	.	PUNCT
ejif-3269	20	1	some	some	PRON
ejif-3269	20	2	argue	argue	VERB
ejif-3269	20	3	that	that	SCONJ
ejif-3269	20	4	the	the	DET
ejif-3269	20	5	complex	complex	ADJ
ejif-3269	20	6	and	and	CCONJ
ejif-3269	20	7	excessive	excessive	ADJ
ejif-3269	20	8	use	use	NOUN
ejif-3269	20	9	of	of	ADP
ejif-3269	20	10	structured	structured	ADJ
ejif-3269	20	11	finance	finance	NOUN
ejif-3269	20	12	products	product	NOUN
ejif-3269	20	13	,	,	PUNCT
ejif-3269	20	14	derivatives	derivative	NOUN
ejif-3269	20	15	and	and	CCONJ
ejif-3269	20	16	other	other	ADJ
ejif-3269	20	17	unreliable	unreliable	ADJ
ejif-3269	20	18	assets	asset	NOUN
ejif-3269	20	19	in	in	ADP
ejif-3269	20	20	the	the	DET
ejif-3269	20	21	wake	wake	NOUN
ejif-3269	20	22	of	of	ADP
ejif-3269	20	23	the	the	DET
ejif-3269	20	24	financial	financial	ADJ
ejif-3269	20	25	crisis	crisis	NOUN
ejif-3269	20	26	is	be	AUX
ejif-3269	20	27	to	to	PART
ejif-3269	20	28	blame	blame	VERB
ejif-3269	20	29	.	.	PUNCT
ejif-3269	21	1	others	other	NOUN
ejif-3269	21	2	argue	argue	VERB
ejif-3269	21	3	that	that	SCONJ
ejif-3269	21	4	monetary	monetary	ADJ
ejif-3269	21	5	policy	policy	NOUN
ejif-3269	21	6	,	,	PUNCT
ejif-3269	21	7	financial	financial	ADJ
ejif-3269	21	8	supervision	supervision	NOUN
ejif-3269	21	9	and	and	CCONJ
ejif-3269	21	10	easy	easy	ADJ
ejif-3269	21	11	regulation	regulation	NOUN
ejif-3269	21	12	combined	combine	VERB
ejif-3269	21	13	with	with	ADP
ejif-3269	21	14	surplus	surplus	ADJ
ejif-3269	21	15	leverage	leverage	NOUN
ejif-3269	21	16	and	and	CCONJ
ejif-3269	21	17	credit	credit	NOUN
ejif-3269	21	18	growth	growth	NOUN
ejif-3269	21	19	are	be	AUX
ejif-3269	21	20	fundamental	fundamental	ADJ
ejif-3269	21	21	factors	factor	NOUN
ejif-3269	21	22	that	that	PRON
ejif-3269	21	23	triggered	trigger	VERB
ejif-3269	21	24	the	the	DET
ejif-3269	21	25	crisis	crisis	NOUN
ejif-3269	21	26	.	.	PUNCT
ejif-3269	22	1	all	all	PRON
ejif-3269	22	2	of	of	ADP
ejif-3269	22	3	the	the	DET
ejif-3269	22	4	above	above	ADJ
ejif-3269	22	5	items	item	NOUN
ejif-3269	22	6	require	require	VERB
ejif-3269	22	7	prudential	prudential	ADJ
ejif-3269	22	8	regulation	regulation	NOUN
ejif-3269	22	9	and	and	CCONJ
ejif-3269	22	10	supervision	supervision	NOUN
ejif-3269	22	11	.	.	PUNCT
ejif-3269	23	1	the	the	DET
ejif-3269	23	2	lack	lack	NOUN
ejif-3269	23	3	of	of	ADP
ejif-3269	23	4	supervision	supervision	NOUN
ejif-3269	23	5	and	and	CCONJ
ejif-3269	23	6	regulation	regulation	NOUN
ejif-3269	23	7	in	in	ADP
ejif-3269	23	8	the	the	DET
ejif-3269	23	9	financial	financial	ADJ
ejif-3269	23	10	sector	sector	NOUN
ejif-3269	23	11	played	play	VERB
ejif-3269	23	12	an	an	DET
ejif-3269	23	13	important	important	ADJ
ejif-3269	23	14	role	role	NOUN
ejif-3269	23	15	in	in	ADP
ejif-3269	23	16	the	the	DET
ejif-3269	23	17	financial	financial	ADJ
ejif-3269	23	18	crisis	crisis	NOUN
ejif-3269	23	19	,	,	PUNCT
ejif-3269	23	20	which	which	PRON
ejif-3269	23	21	led	lead	VERB
ejif-3269	23	22	to	to	ADP
ejif-3269	23	23	poor	poor	ADJ
ejif-3269	23	24	liquidity	liquidity	NOUN
ejif-3269	23	25	management	management	NOUN
ejif-3269	23	26	.	.	PUNCT
ejif-3269	24	1	islamic	islamic	ADJ
ejif-3269	24	2	banking	banking	PROPN
ejif-3269	24	3	,	,	PUNCT
ejif-3269	24	4	as	as	ADP
ejif-3269	24	5	a	a	DET
ejif-3269	24	6	solid	solid	ADJ
ejif-3269	24	7	industry	industry	NOUN
ejif-3269	24	8	,	,	PUNCT
ejif-3269	24	9	faces	face	VERB
ejif-3269	24	10	many	many	ADJ
ejif-3269	24	11	challenges	challenge	NOUN
ejif-3269	24	12	.	.	PUNCT
ejif-3269	25	1	for	for	ADP
ejif-3269	25	2	example	example	NOUN
ejif-3269	25	3	,	,	PUNCT
ejif-3269	25	4	the	the	DET
ejif-3269	25	5	lack	lack	NOUN
ejif-3269	25	6	of	of	ADP
ejif-3269	25	7	effective	effective	ADJ
ejif-3269	25	8	regulatory	regulatory	ADJ
ejif-3269	25	9	frameworks	framework	NOUN
ejif-3269	25	10	,	,	PUNCT
ejif-3269	25	11	standards	standard	NOUN
ejif-3269	25	12	and	and	CCONJ
ejif-3269	25	13	guidelines	guideline	NOUN
ejif-3269	25	14	,	,	PUNCT
ejif-3269	25	15	decent	decent	ADJ
ejif-3269	25	16	manpower	manpower	NOUN
ejif-3269	25	17	,	,	PUNCT
ejif-3269	25	18	effective	effective	ADJ
ejif-3269	25	19	government	government	NOUN
ejif-3269	25	20	support	support	NOUN
ejif-3269	25	21	,	,	PUNCT
ejif-3269	25	22	regulations	regulation	NOUN
ejif-3269	25	23	and	and	CCONJ
ejif-3269	25	24	prudential	prudential	ADJ
ejif-3269	25	25	supervision	supervision	NOUN
ejif-3269	25	26	,	,	PUNCT
ejif-3269	25	27	risk	risk	NOUN
ejif-3269	25	28	management	management	NOUN
ejif-3269	25	29	and	and	CCONJ
ejif-3269	25	30	external	external	ADJ
ejif-3269	25	31	auditing	auditing	NOUN
ejif-3269	25	32	for	for	ADP
ejif-3269	25	33	islamic	islamic	ADJ
ejif-3269	25	34	banks	bank	NOUN
ejif-3269	25	35	are	be	AUX
ejif-3269	25	36	challenges	challenge	NOUN
ejif-3269	25	37	facing	face	VERB
ejif-3269	25	38	the	the	DET
ejif-3269	25	39	industry	industry	NOUN
ejif-3269	25	40	for	for	ADP
ejif-3269	25	41	future	future	ADJ
ejif-3269	25	42	growth	growth	NOUN
ejif-3269	25	43	.	.	PUNCT
ejif-3269	26	1	the	the	DET
ejif-3269	26	2	methodology	methodology	NOUN
ejif-3269	26	3	of	of	ADP
ejif-3269	26	4	this	this	DET
ejif-3269	26	5	study	study	NOUN
ejif-3269	26	6	is	be	AUX
ejif-3269	26	7	documenting	document	VERB
ejif-3269	26	8	analysis	analysis	NOUN
ejif-3269	26	9	with	with	ADP
ejif-3269	26	10	a	a	DET
ejif-3269	26	11	comparative	comparative	ADJ
ejif-3269	26	12	approach	approach	NOUN
ejif-3269	26	13	.	.	PUNCT
ejif-3269	27	1	secondary	secondary	ADJ
ejif-3269	27	2	data	datum	NOUN
ejif-3269	27	3	has	have	AUX
ejif-3269	27	4	been	be	AUX
ejif-3269	27	5	collected	collect	VERB
ejif-3269	27	6	through	through	ADP
ejif-3269	27	7	manuals	manual	NOUN
ejif-3269	27	8	,	,	PUNCT
ejif-3269	27	9	religious	religious	ADJ
ejif-3269	27	10	texts	text	NOUN
ejif-3269	27	11	,	,	PUNCT
ejif-3269	27	12	islamic	islamic	ADJ
ejif-3269	27	13	finance	finance	NOUN
ejif-3269	27	14	related	relate	VERB
ejif-3269	27	15	websites	website	NOUN
ejif-3269	27	16	,	,	PUNCT
ejif-3269	27	17	guidelines	guideline	NOUN
ejif-3269	27	18	issued	issue	VERB
ejif-3269	27	19	by	by	ADP
ejif-3269	27	20	various	various	ADJ
ejif-3269	27	21	regulatory	regulatory	ADJ
ejif-3269	27	22	bodies	body	NOUN
ejif-3269	27	23	,	,	PUNCT
ejif-3269	27	24	guidance	guidance	NOUN
ejif-3269	27	25	note	note	NOUN
ejif-3269	27	26	suggested	suggest	VERB
ejif-3269	27	27	by	by	ADP
ejif-3269	27	28	various	various	ADJ
ejif-3269	27	29	institutes	institute	NOUN
ejif-3269	27	30	,	,	PUNCT
ejif-3269	27	31	legal	legal	ADJ
ejif-3269	27	32	provisions	provision	NOUN
ejif-3269	27	33	in	in	ADP
ejif-3269	27	34	the	the	DET
ejif-3269	27	35	legislation	legislation	NOUN
ejif-3269	27	36	of	of	ADP
ejif-3269	27	37	several	several	ADJ
ejif-3269	27	38	countries	country	NOUN
ejif-3269	27	39	and	and	CCONJ
ejif-3269	27	40	various	various	ADJ
ejif-3269	27	41	research	research	NOUN
ejif-3269	27	42	papers	paper	NOUN
ejif-3269	27	43	were	be	AUX
ejif-3269	27	44	reviewed	review	VERB
ejif-3269	27	45	and	and	CCONJ
ejif-3269	27	46	their	their	PRON
ejif-3269	27	47	findings	finding	NOUN
ejif-3269	27	48	were	be	AUX
ejif-3269	27	49	used	use	VERB
ejif-3269	27	50	as	as	ADP
ejif-3269	27	51	a	a	DET
ejif-3269	27	52	secondary	secondary	ADJ
ejif-3269	27	53	data	datum	NOUN
ejif-3269	27	54	to	to	PART
ejif-3269	27	55	expand	expand	VERB
ejif-3269	27	56	this	this	DET
ejif-3269	27	57	paper	paper	NOUN
ejif-3269	28	1	[	[	X
ejif-3269	28	2	4	4	NUM
ejif-3269	28	3	]	]	PUNCT
ejif-3269	28	4	.	.	PUNCT
ejif-3269	29	1	sepideh	sepideh	NOUN
ejif-3269	29	2	khavarinezhad1	khavarinezhad1	ADJ
ejif-3269	29	3	,	,	PUNCT
ejif-3269	29	4	paolo	paolo	PROPN
ejif-3269	29	5	pietro	pietro	PROPN
ejif-3269	29	6	biancone2	biancone2	PROPN
ejif-3269	29	7	ejif	ejif	PROPN
ejif-3269	29	8	–	–	PUNCT
ejif-3269	29	9	european	european	PROPN
ejif-3269	29	10	journal	journal	PROPN
ejif-3269	29	11	of	of	ADP
ejif-3269	29	12	islamic	islamic	PROPN
ejif-3269	29	13	finance	finance	PROPN
ejif-3269	29	14	no	no	DET
ejif-3269	29	15	12	12	NUM
ejif-3269	29	16	,	,	PUNCT
ejif-3269	29	17	april	april	PROPN
ejif-3269	29	18	(	(	PUNCT
ejif-3269	29	19	2019	2019	NUM
ejif-3269	29	20	)	)	PUNCT
ejif-3269	30	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	30	2	issn	issn	VERB
ejif-3269	30	3	2421	2421	NUM
ejif-3269	30	4	-	-	SYM
ejif-3269	30	5	2172	2172	NUM
ejif-3269	30	6	2	2	NUM
ejif-3269	30	7	this	this	DET
ejif-3269	30	8	paper	paper	NOUN
ejif-3269	30	9	is	be	AUX
ejif-3269	30	10	organized	organize	VERB
ejif-3269	30	11	as	as	ADP
ejif-3269	30	12	follow	follow	NOUN
ejif-3269	30	13	:	:	PUNCT
ejif-3269	30	14	we	we	PRON
ejif-3269	30	15	conduct	conduct	VERB
ejif-3269	30	16	in	in	ADP
ejif-3269	30	17	section	section	PROPN
ejif-3269	30	18	ii	ii	PROPN
ejif-3269	30	19	,	,	PUNCT
ejif-3269	30	20	according	accord	VERB
ejif-3269	30	21	to	to	ADP
ejif-3269	30	22	the	the	DET
ejif-3269	30	23	mentioned	mention	VERB
ejif-3269	30	24	comprehension	comprehension	NOUN
ejif-3269	30	25	,	,	PUNCT
ejif-3269	30	26	the	the	DET
ejif-3269	30	27	growth	growth	NOUN
ejif-3269	30	28	trend	trend	NOUN
ejif-3269	30	29	of	of	ADP
ejif-3269	30	30	islamic	islamic	ADJ
ejif-3269	30	31	banks	bank	NOUN
ejif-3269	30	32	has	have	AUX
ejif-3269	30	33	been	be	AUX
ejif-3269	30	34	investigated	investigate	VERB
ejif-3269	30	35	from	from	ADP
ejif-3269	30	36	the	the	DET
ejif-3269	30	37	profitability	profitability	NOUN
ejif-3269	30	38	factor	factor	NOUN
ejif-3269	30	39	.	.	PUNCT
ejif-3269	31	1	in	in	ADP
ejif-3269	31	2	section	section	PROPN
ejif-3269	31	3	iii	iii	PROPN
ejif-3269	31	4	,	,	PUNCT
ejif-3269	31	5	scrutiny	scrutiny	VERB
ejif-3269	31	6	the	the	DET
ejif-3269	31	7	challenges	challenge	NOUN
ejif-3269	31	8	faced	face	VERB
ejif-3269	31	9	by	by	ADP
ejif-3269	31	10	islamic	islamic	ADJ
ejif-3269	31	11	banks	bank	NOUN
ejif-3269	31	12	.	.	PUNCT
ejif-3269	32	1	in	in	ADP
ejif-3269	32	2	section	section	NOUN
ejif-3269	32	3	iv	iv	NUM
ejif-3269	32	4	,	,	PUNCT
ejif-3269	32	5	proposed	propose	VERB
ejif-3269	32	6	the	the	DET
ejif-3269	32	7	most	most	ADV
ejif-3269	32	8	important	important	ADJ
ejif-3269	32	9	markets	market	NOUN
ejif-3269	32	10	that	that	PRON
ejif-3269	32	11	operate	operate	VERB
ejif-3269	32	12	are	be	AUX
ejif-3269	32	13	in	in	ADP
ejif-3269	32	14	accordance	accordance	NOUN
ejif-3269	32	15	with	with	ADP
ejif-3269	32	16	islamic	islamic	ADJ
ejif-3269	32	17	law	law	NOUN
ejif-3269	32	18	;	;	PUNCT
ejif-3269	32	19	in	in	ADP
ejif-3269	32	20	section	section	NOUN
ejif-3269	32	21	v	v	NOUN
ejif-3269	32	22	,	,	PUNCT
ejif-3269	32	23	competition	competition	NOUN
ejif-3269	32	24	between	between	ADP
ejif-3269	32	25	these	these	DET
ejif-3269	32	26	banks	bank	NOUN
ejif-3269	32	27	and	and	CCONJ
ejif-3269	32	28	conventional	conventional	ADJ
ejif-3269	32	29	banks	bank	NOUN
ejif-3269	32	30	is	be	AUX
ejif-3269	32	31	examined	examine	VERB
ejif-3269	32	32	in	in	ADP
ejif-3269	32	33	terms	term	NOUN
ejif-3269	32	34	of	of	ADP
ejif-3269	32	35	customer	customer	NOUN
ejif-3269	32	36	-	-	PUNCT
ejif-3269	32	37	centric	centric	NOUN
ejif-3269	32	38	approach	approach	NOUN
ejif-3269	32	39	;	;	PUNCT
ejif-3269	32	40	in	in	ADP
ejif-3269	32	41	section	section	NOUN
ejif-3269	32	42	vi	vi	PROPN
ejif-3269	32	43	,	,	PUNCT
ejif-3269	32	44	presented	present	VERB
ejif-3269	32	45	derivatives	derivative	NOUN
ejif-3269	32	46	islamic	islamic	ADJ
ejif-3269	32	47	instruments	instrument	NOUN
ejif-3269	32	48	and	and	CCONJ
ejif-3269	32	49	its	its	PRON
ejif-3269	32	50	challenges	challenge	NOUN
ejif-3269	32	51	have	have	AUX
ejif-3269	32	52	been	be	AUX
ejif-3269	32	53	raised	raise	VERB
ejif-3269	32	54	and	and	CCONJ
ejif-3269	32	55	some	some	DET
ejif-3269	32	56	examples	example	NOUN
ejif-3269	32	57	of	of	ADP
ejif-3269	32	58	islamic	islamic	ADJ
ejif-3269	32	59	banks	bank	NOUN
ejif-3269	32	60	have	have	AUX
ejif-3269	32	61	been	be	AUX
ejif-3269	32	62	mentioned	mention	VERB
ejif-3269	32	63	.	.	PUNCT
ejif-3269	33	1	in	in	ADP
ejif-3269	33	2	section	section	PROPN
ejif-3269	33	3	vii	vii	PROPN
ejif-3269	33	4	,	,	PUNCT
ejif-3269	33	5	presents	present	VERB
ejif-3269	33	6	prospects	prospect	NOUN
ejif-3269	33	7	and	and	CCONJ
ejif-3269	33	8	opportunities	opportunity	NOUN
ejif-3269	33	9	for	for	ADP
ejif-3269	33	10	better	well	ADJ
ejif-3269	33	11	efficiency	efficiency	NOUN
ejif-3269	33	12	and	and	CCONJ
ejif-3269	33	13	solutions	solution	NOUN
ejif-3269	33	14	to	to	PART
ejif-3269	33	15	improve	improve	VERB
ejif-3269	33	16	the	the	DET
ejif-3269	33	17	performance	performance	NOUN
ejif-3269	33	18	of	of	ADP
ejif-3269	33	19	executive	executive	ADJ
ejif-3269	33	20	management	management	NOUN
ejif-3269	33	21	,	,	PUNCT
ejif-3269	33	22	create	create	VERB
ejif-3269	33	23	opportunities	opportunity	NOUN
ejif-3269	33	24	,	,	PUNCT
ejif-3269	33	25	and	and	CCONJ
ejif-3269	33	26	achieve	achieve	VERB
ejif-3269	33	27	effective	effective	ADJ
ejif-3269	33	28	efficiency	efficiency	NOUN
ejif-3269	33	29	.	.	PUNCT
ejif-3269	34	1	at	at	ADP
ejif-3269	34	2	the	the	DET
ejif-3269	34	3	end	end	NOUN
ejif-3269	34	4	of	of	ADP
ejif-3269	34	5	the	the	DET
ejif-3269	34	6	paper	paper	NOUN
ejif-3269	34	7	in	in	ADP
ejif-3269	34	8	section	section	NOUN
ejif-3269	34	9	viii	viii	PROPN
ejif-3269	34	10	,	,	PUNCT
ejif-3269	34	11	we	we	PRON
ejif-3269	34	12	have	have	AUX
ejif-3269	34	13	collected	collect	VERB
ejif-3269	34	14	and	and	CCONJ
ejif-3269	34	15	concluded	conclude	VERB
ejif-3269	34	16	the	the	DET
ejif-3269	34	17	discussed	discuss	VERB
ejif-3269	34	18	issues	issue	NOUN
ejif-3269	34	19	.	.	PUNCT
ejif-3269	35	1	the	the	DET
ejif-3269	35	2	strategy	strategy	NOUN
ejif-3269	35	3	of	of	ADP
ejif-3269	35	4	this	this	DET
ejif-3269	35	5	paper	paper	NOUN
ejif-3269	35	6	focuses	focus	VERB
ejif-3269	35	7	on	on	ADP
ejif-3269	35	8	finding	find	VERB
ejif-3269	35	9	a	a	DET
ejif-3269	35	10	position	position	NOUN
ejif-3269	35	11	and	and	CCONJ
ejif-3269	35	12	attaining	attain	VERB
ejif-3269	35	13	sustainable	sustainable	ADJ
ejif-3269	35	14	growth	growth	NOUN
ejif-3269	35	15	through	through	ADP
ejif-3269	35	16	more	more	ADV
ejif-3269	35	17	efficient	efficient	ADJ
ejif-3269	35	18	use	use	NOUN
ejif-3269	35	19	of	of	ADP
ejif-3269	35	20	opportunities	opportunity	NOUN
ejif-3269	35	21	and	and	CCONJ
ejif-3269	35	22	opportunities	opportunity	NOUN
ejif-3269	35	23	.	.	PUNCT
ejif-3269	36	1	ii	ii	PROPN
ejif-3269	36	2	.	.	PUNCT
ejif-3269	37	1	islamic	islamic	ADJ
ejif-3269	37	2	banking	banking	NOUN
ejif-3269	37	3	dynamics	dynamic	NOUN
ejif-3269	37	4	a	a	DET
ejif-3269	37	5	closer	close	ADJ
ejif-3269	37	6	look	look	NOUN
ejif-3269	37	7	reveals	reveal	VERB
ejif-3269	37	8	that	that	SCONJ
ejif-3269	37	9	dynamics	dynamic	NOUN
ejif-3269	37	10	and	and	CCONJ
ejif-3269	37	11	market	market	NOUN
ejif-3269	37	12	forces	force	NOUN
ejif-3269	37	13	are	be	AUX
ejif-3269	37	14	changing	change	VERB
ejif-3269	37	15	,	,	PUNCT
ejif-3269	37	16	and	and	CCONJ
ejif-3269	37	17	two	two	NUM
ejif-3269	37	18	key	key	ADJ
ejif-3269	37	19	indicators	indicator	NOUN
ejif-3269	37	20	in	in	ADP
ejif-3269	37	21	the	the	DET
ejif-3269	37	22	islamic	islamic	ADJ
ejif-3269	37	23	banking	banking	NOUN
ejif-3269	37	24	industry	industry	NOUN
ejif-3269	37	25	indicate	indicate	VERB
ejif-3269	37	26	the	the	DET
ejif-3269	37	27	need	need	NOUN
ejif-3269	37	28	to	to	PART
ejif-3269	37	29	review	review	VERB
ejif-3269	37	30	strategies	strategy	NOUN
ejif-3269	37	31	in	in	ADP
ejif-3269	37	32	this	this	DET
ejif-3269	37	33	industry	industry	NOUN
ejif-3269	37	34	:	:	PUNCT
ejif-3269	37	35	figure	figure	NOUN
ejif-3269	37	36	1	1	NUM
ejif-3269	37	37	:	:	PUNCT
ejif-3269	37	38	the	the	DET
ejif-3269	37	39	difference	difference	NOUN
ejif-3269	37	40	between	between	ADP
ejif-3269	37	41	growth	growth	NOUN
ejif-3269	37	42	in	in	ADP
ejif-3269	37	43	islamic	islamic	ADJ
ejif-3269	37	44	banking	banking	NOUN
ejif-3269	37	45	and	and	CCONJ
ejif-3269	37	46	banking	banking	NOUN
ejif-3269	37	47	assets	asset	NOUN
ejif-3269	37	48	(	(	PUNCT
ejif-3269	37	49	%	%	INTJ
ejif-3269	37	50	)	)	PUNCT
ejif-3269	37	51	source	source	NOUN
ejif-3269	37	52	:	:	PUNCT
ejif-3269	37	53	bank	bank	PROPN
ejif-3269	37	54	negara	negara	PROPN
ejif-3269	37	55	malaysia	malaysia	PROPN
ejif-3269	37	56	(	(	PUNCT
ejif-3269	37	57	2018	2018	NUM
ejif-3269	37	58	)	)	PUNCT
ejif-3269	37	59	figure	figure	NOUN
ejif-3269	37	60	2	2	NUM
ejif-3269	37	61	:	:	PUNCT
ejif-3269	37	62	cost	cost	NOUN
ejif-3269	37	63	to	to	PART
ejif-3269	37	64	income	income	NOUN
ejif-3269	37	65	ratio	ratio	NOUN
ejif-3269	37	66	source	source	PROPN
ejif-3269	37	67	:	:	PUNCT
ejif-3269	37	68	bank	bank	PROPN
ejif-3269	37	69	negara	negara	PROPN
ejif-3269	37	70	malaysia	malaysia	PROPN
ejif-3269	37	71	(	(	PUNCT
ejif-3269	37	72	2018	2018	NUM
ejif-3269	37	73	)	)	PUNCT
ejif-3269	37	74	islamic	islamic	ADJ
ejif-3269	37	75	assets	asset	NOUN
ejif-3269	37	76	of	of	ADP
ejif-3269	37	77	conventional	conventional	ADJ
ejif-3269	37	78	banks	bank	NOUN
ejif-3269	37	79	are	be	AUX
ejif-3269	37	80	considered	consider	VERB
ejif-3269	37	81	in	in	ADP
ejif-3269	37	82	the	the	DET
ejif-3269	37	83	level	level	NOUN
ejif-3269	37	84	of	of	ADP
ejif-3269	37	85	conventional	conventional	ADJ
ejif-3269	37	86	banks	bank	NOUN
ejif-3269	37	87	because	because	SCONJ
ejif-3269	37	88	they	they	PRON
ejif-3269	37	89	are	be	AUX
ejif-3269	37	90	considered	consider	VERB
ejif-3269	37	91	to	to	PART
ejif-3269	37	92	be	be	AUX
ejif-3269	37	93	the	the	DET
ejif-3269	37	94	yield	yield	NOUN
ejif-3269	37	95	of	of	ADP
ejif-3269	37	96	the	the	DET
ejif-3269	37	97	conventional	conventional	ADJ
ejif-3269	37	98	bank[4	bank[4	NOUN
ejif-3269	37	99	]	]	X
ejif-3269	37	100	.	.	PUNCT
ejif-3269	38	1	1	1	X
ejif-3269	38	2	.	.	X
ejif-3269	38	3	slow	slow	ADJ
ejif-3269	38	4	growth	growth	NOUN
ejif-3269	38	5	current	current	ADJ
ejif-3269	38	6	after	after	ADP
ejif-3269	38	7	several	several	ADJ
ejif-3269	38	8	years	year	NOUN
ejif-3269	38	9	of	of	ADP
ejif-3269	38	10	rapid	rapid	ADJ
ejif-3269	38	11	growth	growth	NOUN
ejif-3269	38	12	in	in	ADP
ejif-3269	38	13	which	which	PRON
ejif-3269	38	14	islamic	islamic	ADJ
ejif-3269	38	15	banking	banking	NOUN
ejif-3269	38	16	surpassed	surpass	VERB
ejif-3269	38	17	many	many	ADJ
ejif-3269	38	18	of	of	ADP
ejif-3269	38	19	the	the	DET
ejif-3269	38	20	conventional	conventional	ADJ
ejif-3269	38	21	banks	bank	NOUN
ejif-3269	38	22	,	,	PUNCT
ejif-3269	38	23	the	the	DET
ejif-3269	38	24	growth	growth	NOUN
ejif-3269	38	25	of	of	ADP
ejif-3269	38	26	asset	asset	NOUN
ejif-3269	38	27	differentials	differential	NOUN
ejif-3269	38	28	in	in	ADP
ejif-3269	38	29	key	key	ADJ
ejif-3269	38	30	geographic	geographic	ADJ
ejif-3269	38	31	districts	district	NOUN
ejif-3269	38	32	,	,	PUNCT
ejif-3269	38	33	including	include	VERB
ejif-3269	38	34	saudi	saudi	PROPN
ejif-3269	38	35	arabia	arabia	PROPN
ejif-3269	38	36	and	and	CCONJ
ejif-3269	38	37	the	the	DET
ejif-3269	38	38	united	united	PROPN
ejif-3269	38	39	arab	arab	PROPN
ejif-3269	38	40	emirates	emirates	PROPN
ejif-3269	38	41	,	,	PUNCT
ejif-3269	38	42	was	be	AUX
ejif-3269	38	43	stopped	stop	VERB
ejif-3269	38	44	.	.	PUNCT
ejif-3269	39	1	soon	soon	ADV
ejif-3269	39	2	,	,	PUNCT
ejif-3269	39	3	growth	growth	NOUN
ejif-3269	39	4	in	in	ADP
ejif-3269	39	5	islamic	islamic	ADJ
ejif-3269	39	6	banking	banking	NOUN
ejif-3269	39	7	can	can	AUX
ejif-3269	39	8	be	be	AUX
ejif-3269	39	9	reduced	reduce	VERB
ejif-3269	39	10	due	due	ADP
ejif-3269	39	11	to	to	ADP
ejif-3269	39	12	the	the	DET
ejif-3269	39	13	full	full	ADJ
ejif-3269	39	14	market	market	NOUN
ejif-3269	39	15	,	,	PUNCT
ejif-3269	39	16	and	and	CCONJ
ejif-3269	39	17	islamic	islamic	ADJ
ejif-3269	39	18	banks	bank	NOUN
ejif-3269	39	19	will	will	AUX
ejif-3269	39	20	lose	lose	VERB
ejif-3269	39	21	their	their	PRON
ejif-3269	39	22	"	"	PUNCT
ejif-3269	39	23	normal	normal	ADJ
ejif-3269	39	24	"	"	PUNCT
ejif-3269	39	25	share[5	share[5	PROPN
ejif-3269	39	26	]	]	PUNCT
ejif-3269	39	27	.	.	PUNCT
ejif-3269	40	1	although	although	SCONJ
ejif-3269	40	2	current	current	ADJ
ejif-3269	40	3	data	datum	NOUN
ejif-3269	40	4	are	be	AUX
ejif-3269	40	5	non	non	ADJ
ejif-3269	40	6	-	-	ADJ
ejif-3269	40	7	deterministic	deterministic	ADJ
ejif-3269	40	8	,	,	PUNCT
ejif-3269	40	9	they	they	PRON
ejif-3269	40	10	can	can	AUX
ejif-3269	40	11	be	be	AUX
ejif-3269	40	12	considered	consider	VERB
ejif-3269	40	13	as	as	ADP
ejif-3269	40	14	a	a	DET
ejif-3269	40	15	primary	primary	ADJ
ejif-3269	40	16	indication	indication	NOUN
ejif-3269	40	17	.	.	PUNCT
ejif-3269	41	1	2	2	X
ejif-3269	41	2	.	.	NUM
ejif-3269	41	3	reduced	reduce	VERB
ejif-3269	41	4	profitability	profitability	NOUN
ejif-3269	41	5	although	although	SCONJ
ejif-3269	41	6	islamic	islamic	ADJ
ejif-3269	41	7	banks	bank	NOUN
ejif-3269	41	8	have	have	AUX
ejif-3269	41	9	surpassed	surpass	VERB
ejif-3269	41	10	conventional	conventional	ADJ
ejif-3269	41	11	banks	bank	NOUN
ejif-3269	41	12	in	in	ADP
ejif-3269	41	13	terms	term	NOUN
ejif-3269	41	14	of	of	ADP
ejif-3269	41	15	growth	growth	NOUN
ejif-3269	41	16	in	in	ADP
ejif-3269	41	17	recent	recent	ADJ
ejif-3269	41	18	decades	decade	NOUN
ejif-3269	41	19	,	,	PUNCT
ejif-3269	41	20	they	they	PRON
ejif-3269	41	21	are	be	AUX
ejif-3269	41	22	not	not	PART
ejif-3269	41	23	higher	high	ADJ
ejif-3269	41	24	to	to	ADP
ejif-3269	41	25	profitability	profitability	NOUN
ejif-3269	41	26	.	.	PUNCT
ejif-3269	42	1	for	for	ADP
ejif-3269	42	2	example	example	NOUN
ejif-3269	42	3	,	,	PUNCT
ejif-3269	42	4	many	many	ADJ
ejif-3269	42	5	small	small	ADJ
ejif-3269	42	6	islamic	islamic	ADJ
ejif-3269	42	7	banks	bank	NOUN
ejif-3269	42	8	in	in	ADP
ejif-3269	42	9	the	the	DET
ejif-3269	42	10	gcc	gcc	NOUN
ejif-3269	42	11	have	have	AUX
ejif-3269	42	12	been	be	AUX
ejif-3269	42	13	struggling	struggle	VERB
ejif-3269	42	14	to	to	PART
ejif-3269	42	15	profitably	profitably	ADV
ejif-3269	42	16	for	for	ADP
ejif-3269	42	17	many	many	ADJ
ejif-3269	42	18	years	year	NOUN
ejif-3269	42	19	;	;	PUNCT
ejif-3269	42	20	some	some	PRON
ejif-3269	42	21	have	have	AUX
ejif-3269	42	22	also	also	ADV
ejif-3269	42	23	suffered	suffer	VERB
ejif-3269	42	24	from	from	ADP
ejif-3269	42	25	a	a	DET
ejif-3269	42	26	regional	regional	ADJ
ejif-3269	42	27	economic	economic	ADJ
ejif-3269	42	28	crisis	crisis	NOUN
ejif-3269	42	29	that	that	PRON
ejif-3269	42	30	is	be	AUX
ejif-3269	42	31	mentioned	mention	VERB
ejif-3269	42	32	in	in	ADP
ejif-3269	42	33	the	the	DET
ejif-3269	42	34	"	"	PUNCT
ejif-3269	42	35	islamic	islamic	ADJ
ejif-3269	42	36	banking	banking	NOUN
ejif-3269	42	37	challenges	challenge	NOUN
ejif-3269	42	38	"	"	PUNCT
ejif-3269	42	39	section	section	NOUN
ejif-3269	42	40	[	[	X
ejif-3269	42	41	6	6	NUM
ejif-3269	42	42	]	]	PUNCT
ejif-3269	42	43	.	.	PUNCT
ejif-3269	43	1	most	most	ADV
ejif-3269	43	2	importantly	importantly	ADV
ejif-3269	43	3	,	,	PUNCT
ejif-3269	43	4	some	some	DET
ejif-3269	43	5	important	important	ADJ
ejif-3269	43	6	islamic	islamic	ADJ
ejif-3269	43	7	banks	bank	NOUN
ejif-3269	43	8	,	,	PUNCT
ejif-3269	43	9	especially	especially	ADV
ejif-3269	43	10	gcc	gcc	NOUN
ejif-3269	43	11	,	,	PUNCT
ejif-3269	43	12	have	have	AUX
ejif-3269	43	13	seen	see	VERB
ejif-3269	43	14	a	a	DET
ejif-3269	43	15	drop	drop	VERB
ejif-3269	43	16	-	-	PUNCT
ejif-3269	43	17	in	in	ADP
ejif-3269	43	18	margin	margin	NOUN
ejif-3269	43	19	in	in	ADP
ejif-3269	43	20	the	the	DET
ejif-3269	43	21	last	last	ADJ
ejif-3269	43	22	five	five	NUM
ejif-3269	43	23	years	year	NOUN
ejif-3269	43	24	.	.	PUNCT
ejif-3269	44	1	in	in	ADP
ejif-3269	44	2	order	order	NOUN
ejif-3269	44	3	to	to	PART
ejif-3269	44	4	maintain	maintain	VERB
ejif-3269	44	5	profitability	profitability	NOUN
ejif-3269	44	6	,	,	PUNCT
ejif-3269	44	7	the	the	DET
ejif-3269	44	8	ability	ability	NOUN
ejif-3269	44	9	to	to	PART
ejif-3269	44	10	increase	increase	VERB
ejif-3269	44	11	the	the	DET
ejif-3269	44	12	capacity	capacity	NOUN
ejif-3269	44	13	of	of	ADP
ejif-3269	44	14	islamic	islamic	ADJ
ejif-3269	44	15	banking	banking	NOUN
ejif-3269	44	16	,	,	PUNCT
ejif-3269	44	17	especially	especially	ADV
ejif-3269	44	18	those	those	PRON
ejif-3269	44	19	that	that	PRON
ejif-3269	44	20	have	have	AUX
ejif-3269	44	21	not	not	PART
ejif-3269	44	22	yet	yet	ADV
ejif-3269	44	23	been	be	AUX
ejif-3269	44	24	exploited	exploit	VERB
ejif-3269	44	25	,	,	PUNCT
ejif-3269	44	26	is	be	AUX
ejif-3269	44	27	essential	essential	ADJ
ejif-3269	44	28	.	.	PUNCT
ejif-3269	45	1	from	from	ADP
ejif-3269	45	2	a	a	DET
ejif-3269	45	3	strategic	strategic	ADJ
ejif-3269	45	4	point	point	NOUN
ejif-3269	45	5	of	of	ADP
ejif-3269	45	6	view	view	NOUN
ejif-3269	45	7	,	,	PUNCT
ejif-3269	45	8	this	this	PRON
ejif-3269	45	9	means	mean	VERB
ejif-3269	45	10	that	that	SCONJ
ejif-3269	45	11	islamic	islamic	ADJ
ejif-3269	45	12	banks	bank	NOUN
ejif-3269	45	13	,	,	PUNCT
ejif-3269	45	14	which	which	PRON
ejif-3269	45	15	so	so	ADV
ejif-3269	45	16	far	far	ADV
ejif-3269	45	17	only	only	ADV
ejif-3269	45	18	imitated	imitate	VERB
ejif-3269	45	19	conventional	conventional	ADJ
ejif-3269	45	20	banks	bank	NOUN
ejif-3269	45	21	,	,	PUNCT
ejif-3269	45	22	need	need	VERB
ejif-3269	45	23	to	to	PART
ejif-3269	45	24	rethink	rethink	VERB
ejif-3269	45	25	their	their	PRON
ejif-3269	45	26	position	position	NOUN
ejif-3269	45	27	[	[	X
ejif-3269	45	28	7	7	NUM
ejif-3269	45	29	]	]	PUNCT
ejif-3269	45	30	.	.	PUNCT
ejif-3269	46	1	from	from	ADP
ejif-3269	46	2	an	an	DET
ejif-3269	46	3	operational	operational	ADJ
ejif-3269	46	4	point	point	NOUN
ejif-3269	46	5	of	of	ADP
ejif-3269	46	6	view	view	NOUN
ejif-3269	46	7	,	,	PUNCT
ejif-3269	46	8	islamic	islamic	ADJ
ejif-3269	46	9	banks	bank	NOUN
ejif-3269	46	10	need	need	VERB
ejif-3269	46	11	more	more	ADJ
ejif-3269	46	12	efficiency	efficiency	NOUN
ejif-3269	46	13	over	over	ADP
ejif-3269	46	14	their	their	PRON
ejif-3269	46	15	value	value	NOUN
ejif-3269	46	16	chain	chain	NOUN
ejif-3269	46	17	.	.	PUNCT
ejif-3269	47	1	iii	iii	X
ejif-3269	47	2	.	.	PUNCT
ejif-3269	48	1	the	the	DET
ejif-3269	48	2	challenges	challenge	NOUN
ejif-3269	48	3	of	of	ADP
ejif-3269	48	4	isl1amic	isl1amic	ADJ
ejif-3269	48	5	banking	banking	NOUN
ejif-3269	48	6	considering	consider	VERB
ejif-3269	48	7	the	the	DET
ejif-3269	48	8	slow	slow	ADJ
ejif-3269	48	9	growth	growth	NOUN
ejif-3269	48	10	and	and	CCONJ
ejif-3269	48	11	the	the	DET
ejif-3269	48	12	reduction	reduction	NOUN
ejif-3269	48	13	in	in	ADP
ejif-3269	48	14	the	the	DET
ejif-3269	48	15	profitability	profitability	NOUN
ejif-3269	48	16	of	of	ADP
ejif-3269	48	17	islamic	islamic	ADJ
ejif-3269	48	18	banking	banking	NOUN
ejif-3269	48	19	,	,	PUNCT
ejif-3269	48	20	we	we	PRON
ejif-3269	48	21	will	will	AUX
ejif-3269	48	22	address	address	VERB
ejif-3269	48	23	some	some	PRON
ejif-3269	48	24	of	of	ADP
ejif-3269	48	25	the	the	DET
ejif-3269	48	26	major	major	ADJ
ejif-3269	48	27	challenges	challenge	NOUN
ejif-3269	48	28	facing	face	VERB
ejif-3269	48	29	this	this	DET
ejif-3269	48	30	industry	industry	NOUN
ejif-3269	48	31	.	.	PUNCT
ejif-3269	49	1	1	1	X
ejif-3269	49	2	.	.	X
ejif-3269	49	3	the	the	DET
ejif-3269	49	4	size	size	NOUN
ejif-3269	49	5	it	it	PRON
ejif-3269	49	6	has	have	AUX
ejif-3269	49	7	been	be	AUX
ejif-3269	49	8	observed	observe	VERB
ejif-3269	49	9	that	that	SCONJ
ejif-3269	49	10	many	many	ADJ
ejif-3269	49	11	islamic	islamic	ADJ
ejif-3269	49	12	banks	bank	NOUN
ejif-3269	49	13	are	be	AUX
ejif-3269	49	14	smaller	small	ADJ
ejif-3269	49	15	than	than	ADP
ejif-3269	49	16	their	their	PRON
ejif-3269	49	17	usual	usual	ADJ
ejif-3269	49	18	rivals	rival	NOUN
ejif-3269	49	19	in	in	ADP
ejif-3269	49	20	their	their	PRON
ejif-3269	49	21	domestic	domestic	ADJ
ejif-3269	49	22	markets	market	NOUN
ejif-3269	49	23	.	.	PUNCT
ejif-3269	50	1	so	so	SCONJ
ejif-3269	50	2	that	that	SCONJ
ejif-3269	50	3	even	even	ADV
ejif-3269	50	4	the	the	DET
ejif-3269	50	5	major	major	ADJ
ejif-3269	50	6	’s	’s	PART
ejif-3269	50	7	islamic	islamic	ADJ
ejif-3269	50	8	banks	bank	NOUN
ejif-3269	50	9	are	be	AUX
ejif-3269	50	10	usually	usually	ADV
ejif-3269	50	11	compared	compare	VERB
ejif-3269	50	12	to	to	ADP
ejif-3269	50	13	conventional	conventional	ADJ
ejif-3269	50	14	international	international	ADJ
ejif-3269	50	15	competitors	competitor	NOUN
ejif-3269	50	16	.	.	PUNCT
ejif-3269	51	1	[	[	X
ejif-3269	51	2	8	8	NUM
ejif-3269	51	3	]	]	PUNCT
ejif-3269	51	4	.	.	PUNCT
ejif-3269	52	1	in	in	ADP
ejif-3269	52	2	fact	fact	NOUN
ejif-3269	52	3	,	,	PUNCT
ejif-3269	52	4	there	there	PRON
ejif-3269	52	5	is	be	VERB
ejif-3269	52	6	no	no	DET
ejif-3269	52	7	islamic	islamic	ADJ
ejif-3269	52	8	advance	advance	NOUN
ejif-3269	52	9	bank	bank	PROPN
ejif-3269	52	10	in	in	ADP
ejif-3269	52	11	the	the	DET
ejif-3269	52	12	world	world	NOUN
ejif-3269	52	13	that	that	PRON
ejif-3269	52	14	has	have	VERB
ejif-3269	52	15	a	a	DET
ejif-3269	52	16	particular	particular	ADJ
ejif-3269	52	17	islamic	islamic	ADJ
ejif-3269	52	18	or	or	CCONJ
ejif-3269	52	19	broad	broad	ADV
ejif-3269	52	20	-	-	PUNCT
ejif-3269	52	21	based	base	VERB
ejif-3269	52	22	business	business	NOUN
ejif-3269	52	23	model	model	NOUN
ejif-3269	53	1	[	[	X
ejif-3269	53	2	9	9	NUM
ejif-3269	53	3	]	]	SYM
ejif-3269	53	4	.	.	PUNCT
ejif-3269	54	1	2	2	X
ejif-3269	54	2	.	.	X
ejif-3269	54	3	competition	competition	NOUN
ejif-3269	54	4	although	although	SCONJ
ejif-3269	54	5	the	the	DET
ejif-3269	54	6	growth	growth	NOUN
ejif-3269	54	7	of	of	ADP
ejif-3269	54	8	the	the	DET
ejif-3269	54	9	market	market	NOUN
ejif-3269	54	10	is	be	AUX
ejif-3269	54	11	declining	decline	VERB
ejif-3269	54	12	,	,	PUNCT
ejif-3269	54	13	the	the	DET
ejif-3269	54	14	number	number	NOUN
ejif-3269	54	15	of	of	ADP
ejif-3269	54	16	islamic	islamic	ADJ
ejif-3269	54	17	banks	bank	NOUN
ejif-3269	54	18	and	and	CCONJ
ejif-3269	54	19	financial	financial	ADJ
ejif-3269	54	20	institutions	institution	NOUN
ejif-3269	54	21	is	be	AUX
ejif-3269	54	22	on	on	ADP
ejif-3269	54	23	the	the	DET
ejif-3269	54	24	rise	rise	NOUN
ejif-3269	54	25	.	.	PUNCT
ejif-3269	55	1	for	for	ADP
ejif-3269	55	2	example	example	NOUN
ejif-3269	55	3	,	,	PUNCT
ejif-3269	55	4	the	the	DET
ejif-3269	55	5	only	only	ADJ
ejif-3269	55	6	new	new	ADJ
ejif-3269	55	7	banking	banking	NOUN
ejif-3269	55	8	licenses	license	NOUN
ejif-3269	55	9	issued	issue	VERB
ejif-3269	55	10	in	in	ADP
ejif-3269	55	11	the	the	DET
ejif-3269	55	12	united	united	PROPN
ejif-3269	55	13	arab	arab	PROPN
ejif-3269	55	14	emirates	emirates	PROPN
ejif-3269	55	15	in	in	ADP
ejif-3269	55	16	recent	recent	ADJ
ejif-3269	55	17	years	year	NOUN
ejif-3269	55	18	have	have	AUX
ejif-3269	55	19	been	be	AUX
ejif-3269	55	20	for	for	ADP
ejif-3269	55	21	islamic	islamic	ADJ
ejif-3269	55	22	banks	bank	NOUN
ejif-3269	55	23	,	,	PUNCT
ejif-3269	55	24	while	while	SCONJ
ejif-3269	55	25	conventional	conventional	ADJ
ejif-3269	55	26	banks	bank	NOUN
ejif-3269	55	27	are	be	AUX
ejif-3269	55	28	opening	open	VERB
ejif-3269	55	29	up	up	ADP
ejif-3269	55	30	and	and	CCONJ
ejif-3269	55	31	providing	provide	VERB
ejif-3269	55	32	islamic	islamic	ADJ
ejif-3269	55	33	instruments	instrument	NOUN
ejif-3269	55	34	.	.	PUNCT
ejif-3269	56	1	consequently	consequently	ADV
ejif-3269	56	2	,	,	PUNCT
ejif-3269	56	3	it	it	PRON
ejif-3269	56	4	is	be	AUX
ejif-3269	56	5	not	not	PART
ejif-3269	56	6	a	a	DET
ejif-3269	56	7	significant	significant	ADJ
ejif-3269	56	8	distinction	distinction	NOUN
ejif-3269	56	9	only	only	ADV
ejif-3269	56	10	in	in	ADP
ejif-3269	56	11	accordance	accordance	NOUN
ejif-3269	56	12	with	with	ADP
ejif-3269	56	13	the	the	DET
ejif-3269	56	14	sharia[10	sharia[10	NOUN
ejif-3269	56	15	]	]	X
ejif-3269	56	16	.	.	PUNCT
ejif-3269	57	1	3	3	X
ejif-3269	57	2	.	.	X
ejif-3269	57	3	standardization	standardization	NOUN
ejif-3269	57	4	and	and	CCONJ
ejif-3269	57	5	legislation	legislation	NOUN
ejif-3269	57	6	standardization	standardization	NOUN
ejif-3269	57	7	and	and	CCONJ
ejif-3269	57	8	legislation	legislation	NOUN
ejif-3269	57	9	are	be	AUX
ejif-3269	57	10	the	the	DET
ejif-3269	57	11	constant	constant	ADJ
ejif-3269	57	12	challenges	challenge	NOUN
ejif-3269	57	13	of	of	ADP
ejif-3269	57	14	islamic	islamic	ADJ
ejif-3269	57	15	banks	bank	NOUN
ejif-3269	57	16	.	.	PUNCT
ejif-3269	58	1	different	different	ADJ
ejif-3269	58	2	perceptions	perception	NOUN
ejif-3269	58	3	of	of	ADP
ejif-3269	58	4	accepting	accept	VERB
ejif-3269	58	5	various	various	ADJ
ejif-3269	58	6	products	product	NOUN
ejif-3269	58	7	from	from	ADP
ejif-3269	58	8	the	the	DET
ejif-3269	58	9	sharia	sharia	PROPN
ejif-3269	58	10	perspective	perspective	NOUN
ejif-3269	58	11	make	make	VERB
ejif-3269	58	12	standardization	standardization	NOUN
ejif-3269	58	13	difficult	difficult	ADJ
ejif-3269	58	14	.	.	PUNCT
ejif-3269	59	1	for	for	ADP
ejif-3269	59	2	example	example	NOUN
ejif-3269	59	3	,	,	PUNCT
ejif-3269	59	4	an	an	DET
ejif-3269	59	5	islamic	islamic	ADJ
ejif-3269	59	6	financial	financial	ADJ
ejif-3269	59	7	instrument	instrument	NOUN
ejif-3269	59	8	can	can	AUX
ejif-3269	59	9	be	be	AUX
ejif-3269	59	10	accepted	accept	VERB
ejif-3269	59	11	by	by	ADP
ejif-3269	59	12	a	a	DET
ejif-3269	59	13	group	group	NOUN
ejif-3269	59	14	of	of	ADP
ejif-3269	59	15	angels	angel	NOUN
ejif-3269	59	16	and	and	CCONJ
ejif-3269	59	17	rejected	reject	VERB
ejif-3269	59	18	by	by	ADP
ejif-3269	59	19	another	another	DET
ejif-3269	59	20	group	group	NOUN
ejif-3269	59	21	,	,	PUNCT
ejif-3269	59	22	because	because	SCONJ
ejif-3269	59	23	the	the	DET
ejif-3269	59	24	sharia	sharia	PROPN
ejif-3269	59	25	and	and	CCONJ
ejif-3269	59	26	jurisprudence	jurisprudence	NOUN
ejif-3269	59	27	decrees	decree	NOUN
ejif-3269	59	28	issued	issue	VERB
ejif-3269	59	29	by	by	ADP
ejif-3269	59	30	these	these	DET
ejif-3269	59	31	ejif	ejif	PROPN
ejif-3269	59	32	–	–	PUNCT
ejif-3269	59	33	european	european	PROPN
ejif-3269	59	34	journal	journal	PROPN
ejif-3269	59	35	of	of	ADP
ejif-3269	59	36	islamic	islamic	PROPN
ejif-3269	59	37	finance	finance	PROPN
ejif-3269	59	38	no	no	DET
ejif-3269	59	39	12	12	NUM
ejif-3269	59	40	,	,	PUNCT
ejif-3269	59	41	april	april	PROPN
ejif-3269	59	42	(	(	PUNCT
ejif-3269	59	43	2019	2019	NUM
ejif-3269	59	44	)	)	PUNCT
ejif-3269	59	45	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	59	46	issn	issn	VERB
ejif-3269	59	47	2421	2421	NUM
ejif-3269	59	48	-	-	SYM
ejif-3269	59	49	2172	2172	NUM
ejif-3269	59	50	3	3	NUM
ejif-3269	59	51	jurists	jurist	NOUN
ejif-3269	59	52	are	be	AUX
ejif-3269	59	53	based	base	VERB
ejif-3269	59	54	on	on	ADP
ejif-3269	59	55	their	their	PRON
ejif-3269	59	56	personal	personal	ADJ
ejif-3269	59	57	perception	perception	NOUN
ejif-3269	59	58	and	and	CCONJ
ejif-3269	59	59	jurisprudential	jurisprudential	ADJ
ejif-3269	59	60	rules[2	rules[2	PROPN
ejif-3269	59	61	]	]	PUNCT
ejif-3269	59	62	.	.	PUNCT
ejif-3269	60	1	moreover	moreover	ADV
ejif-3269	60	2	,	,	PUNCT
ejif-3269	60	3	there	there	PRON
ejif-3269	60	4	is	be	VERB
ejif-3269	60	5	a	a	DET
ejif-3269	60	6	difference	difference	NOUN
ejif-3269	60	7	in	in	ADP
ejif-3269	60	8	the	the	DET
ejif-3269	60	9	admission	admission	NOUN
ejif-3269	60	10	of	of	ADP
ejif-3269	60	11	products	product	NOUN
ejif-3269	60	12	and	and	CCONJ
ejif-3269	60	13	services	service	NOUN
ejif-3269	60	14	between	between	ADP
ejif-3269	60	15	southeast	southeast	PROPN
ejif-3269	60	16	asia	asia	PROPN
ejif-3269	60	17	and	and	CCONJ
ejif-3269	60	18	the	the	DET
ejif-3269	60	19	middle	middle	PROPN
ejif-3269	60	20	east	east	PROPN
ejif-3269	60	21	and	and	CCONJ
ejif-3269	60	22	now	now	ADV
ejif-3269	60	23	,	,	PUNCT
ejif-3269	60	24	an	an	DET
ejif-3269	60	25	approach	approach	NOUN
ejif-3269	60	26	has	have	AUX
ejif-3269	60	27	emerged	emerge	VERB
ejif-3269	60	28	.	.	PUNCT
ejif-3269	61	1	as	as	SCONJ
ejif-3269	61	2	the	the	DET
ejif-3269	61	3	bank	bank	NOUN
ejif-3269	61	4	of	of	ADP
ejif-3269	61	5	nigeria	nigeria	PROPN
ejif-3269	61	6	(	(	PUNCT
ejif-3269	61	7	the	the	DET
ejif-3269	61	8	central	central	ADJ
ejif-3269	61	9	bank	bank	PROPN
ejif-3269	61	10	of	of	ADP
ejif-3269	61	11	malaysia	malaysia	PROPN
ejif-3269	61	12	)	)	PUNCT
ejif-3269	61	13	avoids	avoid	VERB
ejif-3269	61	14	selling	sell	VERB
ejif-3269	61	15	gcc	gcc	NOUN
ejif-3269	61	16	-	-	PUNCT
ejif-3269	61	17	denominated	denominate	VERB
ejif-3269	61	18	banking	banking	NOUN
ejif-3269	61	19	products	product	NOUN
ejif-3269	61	20	to	to	PART
ejif-3269	61	21	increase	increase	VERB
ejif-3269	61	22	standardization	standardization	NOUN
ejif-3269	61	23	in	in	ADP
ejif-3269	61	24	the	the	DET
ejif-3269	61	25	industry	industry	NOUN
ejif-3269	61	26	;	;	PUNCT
ejif-3269	61	27	legal	legal	ADJ
ejif-3269	61	28	issues	issue	NOUN
ejif-3269	61	29	could	could	AUX
ejif-3269	61	30	also	also	ADV
ejif-3269	61	31	arise	arise	VERB
ejif-3269	61	32	from	from	ADP
ejif-3269	61	33	the	the	DET
ejif-3269	61	34	absence	absence	NOUN
ejif-3269	61	35	of	of	ADP
ejif-3269	61	36	specific	specific	ADJ
ejif-3269	61	37	islamic	islamic	ADJ
ejif-3269	61	38	banking	banking	NOUN
ejif-3269	61	39	laws	law	NOUN
ejif-3269	61	40	in	in	ADP
ejif-3269	61	41	some	some	DET
ejif-3269	61	42	countries[11	countries[11	NOUN
ejif-3269	61	43	]	]	X
ejif-3269	61	44	.	.	PUNCT
ejif-3269	62	1	4	4	X
ejif-3269	62	2	.	.	X
ejif-3269	62	3	cost	cost	NOUN
ejif-3269	62	4	structure	structure	NOUN
ejif-3269	62	5	most	most	ADJ
ejif-3269	62	6	islamic	islamic	ADJ
ejif-3269	62	7	banks	bank	NOUN
ejif-3269	62	8	,	,	PUNCT
ejif-3269	62	9	despite	despite	SCONJ
ejif-3269	62	10	the	the	DET
ejif-3269	62	11	dramatic	dramatic	ADJ
ejif-3269	62	12	growth	growth	NOUN
ejif-3269	62	13	,	,	PUNCT
ejif-3269	62	14	have	have	AUX
ejif-3269	62	15	not	not	PART
ejif-3269	62	16	been	be	AUX
ejif-3269	62	17	continuously	continuously	ADV
ejif-3269	62	18	profitable	profitable	ADJ
ejif-3269	62	19	,	,	PUNCT
ejif-3269	62	20	especially	especially	ADV
ejif-3269	62	21	after	after	ADP
ejif-3269	62	22	the	the	DET
ejif-3269	62	23	global	global	ADJ
ejif-3269	62	24	banking	banking	NOUN
ejif-3269	62	25	crisis	crisis	NOUN
ejif-3269	62	26	.	.	PUNCT
ejif-3269	63	1	part	part	NOUN
ejif-3269	63	2	of	of	ADP
ejif-3269	63	3	this	this	DET
ejif-3269	63	4	defect	defect	NOUN
ejif-3269	63	5	is	be	AUX
ejif-3269	63	6	the	the	DET
ejif-3269	63	7	structural	structural	ADJ
ejif-3269	63	8	factors	factor	NOUN
ejif-3269	63	9	.	.	PUNCT
ejif-3269	64	1	because	because	SCONJ
ejif-3269	64	2	islamic	islamic	ADJ
ejif-3269	64	3	instruments	instrument	NOUN
ejif-3269	64	4	are	be	AUX
ejif-3269	64	5	usually	usually	ADV
ejif-3269	64	6	more	more	ADV
ejif-3269	64	7	complex	complex	ADJ
ejif-3269	64	8	than	than	ADP
ejif-3269	64	9	conventional	conventional	ADJ
ejif-3269	64	10	tools	tool	NOUN
ejif-3269	64	11	,	,	PUNCT
ejif-3269	64	12	which	which	PRON
ejif-3269	64	13	increases	increase	VERB
ejif-3269	64	14	the	the	DET
ejif-3269	64	15	cost	cost	NOUN
ejif-3269	64	16	of	of	ADP
ejif-3269	64	17	providing	provide	VERB
ejif-3269	64	18	and	and	CCONJ
ejif-3269	64	19	producing	produce	VERB
ejif-3269	64	20	these	these	DET
ejif-3269	64	21	services[12	services[12	NOUN
ejif-3269	64	22	]	]	X
ejif-3269	64	23	.	.	PUNCT
ejif-3269	65	1	banks	bank	NOUN
ejif-3269	65	2	'	'	PART
ejif-3269	65	3	specific	specific	ADJ
ejif-3269	65	4	weaknesses	weakness	NOUN
ejif-3269	65	5	,	,	PUNCT
ejif-3269	65	6	for	for	ADP
ejif-3269	65	7	example	example	NOUN
ejif-3269	65	8	,	,	PUNCT
ejif-3269	65	9	risk	risk	NOUN
ejif-3269	65	10	management	management	NOUN
ejif-3269	65	11	and	and	CCONJ
ejif-3269	65	12	operational	operational	ADJ
ejif-3269	65	13	efficiency	efficiency	NOUN
ejif-3269	65	14	,	,	PUNCT
ejif-3269	65	15	also	also	ADV
ejif-3269	65	16	contribute	contribute	VERB
ejif-3269	65	17	to	to	ADP
ejif-3269	65	18	this	this	DET
ejif-3269	65	19	issue	issue	NOUN
ejif-3269	65	20	.	.	PUNCT
ejif-3269	66	1	iv	iv	X
ejif-3269	66	2	.	.	PUNCT
ejif-3269	66	3	overview	overview	NOUN
ejif-3269	66	4	of	of	ADP
ejif-3269	66	5	the	the	DET
ejif-3269	66	6	market	market	NOUN
ejif-3269	66	7	islamic	islamic	ADJ
ejif-3269	66	8	banking	banking	NOUN
ejif-3269	66	9	financial	financial	ADJ
ejif-3269	66	10	activities	activity	NOUN
ejif-3269	66	11	in	in	ADP
ejif-3269	66	12	accordance	accordance	NOUN
ejif-3269	66	13	with	with	ADP
ejif-3269	66	14	sharia	sharia	PROPN
ejif-3269	66	15	and	and	CCONJ
ejif-3269	66	16	jurisprudence	jurisprudence	NOUN
ejif-3269	66	17	and	and	CCONJ
ejif-3269	66	18	islamic	islamic	ADJ
ejif-3269	66	19	law	law	NOUN
ejif-3269	66	20	have	have	AUX
ejif-3269	66	21	become	become	VERB
ejif-3269	66	22	part	part	NOUN
ejif-3269	66	23	of	of	ADP
ejif-3269	66	24	the	the	DET
ejif-3269	66	25	global	global	ADJ
ejif-3269	66	26	financial	financial	PROPN
ejif-3269	66	27	services	service	NOUN
ejif-3269	66	28	industry	industry	NOUN
ejif-3269	66	29	,	,	PUNCT
ejif-3269	66	30	which	which	PRON
ejif-3269	66	31	has	have	AUX
ejif-3269	66	32	seen	see	VERB
ejif-3269	66	33	rapid	rapid	ADJ
ejif-3269	66	34	growth	growth	NOUN
ejif-3269	66	35	both	both	CCONJ
ejif-3269	66	36	in	in	ADP
ejif-3269	66	37	size	size	NOUN
ejif-3269	66	38	and	and	CCONJ
ejif-3269	66	39	in	in	ADP
ejif-3269	66	40	terms	term	NOUN
ejif-3269	66	41	of	of	ADP
ejif-3269	66	42	structure[2	structure[2	PROPN
ejif-3269	66	43	]	]	PUNCT
ejif-3269	66	44	.	.	PUNCT
ejif-3269	67	1	the	the	DET
ejif-3269	67	2	total	total	ADJ
ejif-3269	67	3	islamic	islamic	ADJ
ejif-3269	67	4	assets	asset	NOUN
ejif-3269	67	5	in	in	ADP
ejif-3269	67	6	2016	2016	NUM
ejif-3269	67	7	are	be	AUX
ejif-3269	67	8	estimated	estimate	VERB
ejif-3269	67	9	at	at	ADP
ejif-3269	67	10	around	around	ADP
ejif-3269	67	11	$	$	SYM
ejif-3269	67	12	1200	1200	NUM
ejif-3269	67	13	billion	billion	NUM
ejif-3269	67	14	.	.	PUNCT
ejif-3269	68	1	islamic	islamic	PROPN
ejif-3269	68	2	bank	bank	PROPN
ejif-3269	68	3	assets	asset	NOUN
ejif-3269	68	4	account	account	VERB
ejif-3269	68	5	for	for	ADP
ejif-3269	68	6	about	about	ADV
ejif-3269	68	7	90	90	NUM
ejif-3269	68	8	per	per	NOUN
ejif-3269	68	9	cent	cent	NOUN
ejif-3269	68	10	of	of	ADP
ejif-3269	68	11	this	this	DET
ejif-3269	68	12	figure	figure	NOUN
ejif-3269	68	13	,	,	PUNCT
ejif-3269	68	14	while	while	SCONJ
ejif-3269	68	15	islamic	islamic	ADJ
ejif-3269	68	16	capital	capital	NOUN
ejif-3269	68	17	accounts	account	VERB
ejif-3269	68	18	for	for	ADP
ejif-3269	68	19	10	10	NUM
ejif-3269	68	20	per	per	ADP
ejif-3269	68	21	cent	cent	NOUN
ejif-3269	68	22	of	of	ADP
ejif-3269	68	23	the	the	DET
ejif-3269	68	24	remainder	remainder	NOUN
ejif-3269	68	25	.	.	PUNCT
ejif-3269	69	1	the	the	DET
ejif-3269	69	2	main	main	ADJ
ejif-3269	69	3	geographic	geographic	ADJ
ejif-3269	69	4	markets	market	NOUN
ejif-3269	69	5	are	be	AUX
ejif-3269	69	6	iran	iran	PROPN
ejif-3269	69	7	,	,	PUNCT
ejif-3269	69	8	saudi	saudi	PROPN
ejif-3269	69	9	arabia	arabia	PROPN
ejif-3269	69	10	,	,	PUNCT
ejif-3269	69	11	united	united	PROPN
ejif-3269	69	12	arab	arab	PROPN
ejif-3269	69	13	emirates	emirates	PROPN
ejif-3269	69	14	,	,	PUNCT
ejif-3269	69	15	malaysia	malaysia	PROPN
ejif-3269	69	16	,	,	PUNCT
ejif-3269	69	17	kuwait	kuwait	PROPN
ejif-3269	69	18	,	,	PUNCT
ejif-3269	69	19	qatar	qatar	PROPN
ejif-3269	69	20	and	and	CCONJ
ejif-3269	69	21	turkey	turkey	NOUN
ejif-3269	69	22	(	(	PUNCT
ejif-3269	69	23	figure	figure	NOUN
ejif-3269	69	24	3	3	NUM
ejif-3269	69	25	)	)	PUNCT
ejif-3269	69	26	.	.	PUNCT
ejif-3269	70	1	figure	figure	VERB
ejif-3269	70	2	3	3	NUM
ejif-3269	70	3	:	:	PUNCT
ejif-3269	70	4	the	the	DET
ejif-3269	70	5	eight	eight	NUM
ejif-3269	70	6	core	core	NOUN
ejif-3269	70	7	markets	market	NOUN
ejif-3269	70	8	are	be	AUX
ejif-3269	70	9	the	the	DET
ejif-3269	70	10	growth	growth	NOUN
ejif-3269	70	11	engine	engine	NOUN
ejif-3269	70	12	for	for	ADP
ejif-3269	70	13	global	global	ADJ
ejif-3269	70	14	industry	industry	NOUN
ejif-3269	70	15	and	and	CCONJ
ejif-3269	70	16	require	require	VERB
ejif-3269	70	17	tailored	tailored	ADJ
ejif-3269	70	18	strategies	strategy	NOUN
ejif-3269	70	19	.	.	PUNCT
ejif-3269	71	1	sources	source	NOUN
ejif-3269	71	2	:	:	PUNCT
ejif-3269	71	3	central	central	ADJ
ejif-3269	71	4	banks	bank	NOUN
ejif-3269	71	5	,	,	PUNCT
ejif-3269	71	6	ey	ey	PRON
ejif-3269	71	7	analysis	analysis	NOUN
ejif-3269	71	8	(	(	PUNCT
ejif-3269	71	9	2018	2018	NUM
ejif-3269	71	10	)	)	PUNCT
ejif-3269	71	11	in	in	ADP
ejif-3269	71	12	recent	recent	ADJ
ejif-3269	71	13	years	year	NOUN
ejif-3269	71	14	,	,	PUNCT
ejif-3269	71	15	islamic	islamic	ADJ
ejif-3269	71	16	banking	banking	NOUN
ejif-3269	71	17	has	have	AUX
ejif-3269	71	18	had	have	VERB
ejif-3269	71	19	a	a	DET
ejif-3269	71	20	significant	significant	ADJ
ejif-3269	71	21	growth	growth	NOUN
ejif-3269	71	22	rate	rate	NOUN
ejif-3269	71	23	.	.	PUNCT
ejif-3269	72	1	for	for	ADP
ejif-3269	72	2	example	example	NOUN
ejif-3269	72	3	,	,	PUNCT
ejif-3269	72	4	the	the	DET
ejif-3269	72	5	combination	combination	NOUN
ejif-3269	72	6	of	of	ADP
ejif-3269	72	7	the	the	DET
ejif-3269	72	8	annual	annual	ADJ
ejif-3269	72	9	rate	rate	NOUN
ejif-3269	72	10	of	of	ADP
ejif-3269	72	11	growth	growth	NOUN
ejif-3269	72	12	(	(	PUNCT
ejif-3269	72	13	cagr	cagr	NOUN
ejif-3269	72	14	)	)	PUNCT
ejif-3269	72	15	in	in	ADP
ejif-3269	72	16	saudi	saudi	PROPN
ejif-3269	72	17	arabia	arabia	PROPN
ejif-3269	72	18	was	be	AUX
ejif-3269	72	19	21	21	NUM
ejif-3269	72	20	%	%	NOUN
ejif-3269	72	21	between	between	ADP
ejif-3269	72	22	2006	2006	NUM
ejif-3269	72	23	and	and	CCONJ
ejif-3269	72	24	2010	2010	NUM
ejif-3269	72	25	,	,	PUNCT
ejif-3269	72	26	and	and	CCONJ
ejif-3269	72	27	in	in	ADP
ejif-3269	72	28	malaysia	malaysia	PROPN
ejif-3269	72	29	,	,	PUNCT
ejif-3269	72	30	it	it	PRON
ejif-3269	72	31	was	be	AUX
ejif-3269	72	32	24	24	NUM
ejif-3269	72	33	%	%	NOUN
ejif-3269	72	34	.	.	PUNCT
ejif-3269	73	1	markets	market	NOUN
ejif-3269	73	2	in	in	ADP
ejif-3269	73	3	the	the	DET
ejif-3269	73	4	form	form	NOUN
ejif-3269	73	5	of	of	ADP
ejif-3269	73	6	the	the	DET
ejif-3269	73	7	influence	influence	NOUN
ejif-3269	73	8	of	of	ADP
ejif-3269	73	9	islamic	islamic	ADJ
ejif-3269	73	10	banking	banking	NOUN
ejif-3269	73	11	(	(	PUNCT
ejif-3269	73	12	the	the	DET
ejif-3269	73	13	number	number	NOUN
ejif-3269	73	14	of	of	ADP
ejif-3269	73	15	islamic	islamic	ADJ
ejif-3269	73	16	banks	bank	NOUN
ejif-3269	73	17	'	'	PART
ejif-3269	73	18	assets	asset	NOUN
ejif-3269	73	19	as	as	ADP
ejif-3269	73	20	a	a	DET
ejif-3269	73	21	percentage	percentage	NOUN
ejif-3269	73	22	of	of	ADP
ejif-3269	73	23	total	total	ADJ
ejif-3269	73	24	bank	bank	NOUN
ejif-3269	73	25	assets	asset	NOUN
ejif-3269	73	26	)	)	PUNCT
ejif-3269	73	27	can	can	AUX
ejif-3269	73	28	be	be	AUX
ejif-3269	73	29	divided	divide	VERB
ejif-3269	73	30	into	into	ADP
ejif-3269	73	31	three	three	NUM
ejif-3269	73	32	main	main	ADJ
ejif-3269	73	33	categories	category	NOUN
ejif-3269	73	34	:	:	PUNCT
ejif-3269	73	35	fixed	fix	VERB
ejif-3269	73	36	,	,	PUNCT
ejif-3269	73	37	emerging	emerge	VERB
ejif-3269	73	38	and	and	CCONJ
ejif-3269	73	39	intact	intact	ADJ
ejif-3269	73	40	(	(	PUNCT
ejif-3269	73	41	table	table	NOUN
ejif-3269	73	42	1	1	NUM
ejif-3269	73	43	)	)	PUNCT
ejif-3269	73	44	.	.	PUNCT
ejif-3269	74	1	the	the	DET
ejif-3269	74	2	consolidated	consolidated	ADJ
ejif-3269	74	3	category	category	NOUN
ejif-3269	74	4	of	of	ADP
ejif-3269	74	5	islamic	islamic	ADJ
ejif-3269	74	6	banking	banking	NOUN
ejif-3269	74	7	in	in	ADP
ejif-3269	74	8	the	the	DET
ejif-3269	74	9	middle	middle	PROPN
ejif-3269	74	10	east	east	PROPN
ejif-3269	74	11	and	and	CCONJ
ejif-3269	74	12	southeast	southeast	PROPN
ejif-3269	74	13	asia	asia	PROPN
ejif-3269	74	14	comes	come	VERB
ejif-3269	74	15	with	with	ADP
ejif-3269	74	16	some	some	PRON
ejif-3269	74	17	of	of	ADP
ejif-3269	74	18	the	the	DET
ejif-3269	74	19	most	most	ADV
ejif-3269	74	20	active	active	ADJ
ejif-3269	74	21	global	global	ADJ
ejif-3269	74	22	markets	market	NOUN
ejif-3269	74	23	like	like	ADP
ejif-3269	74	24	kuwait	kuwait	PROPN
ejif-3269	74	25	,	,	PUNCT
ejif-3269	74	26	saudi	saudi	PROPN
ejif-3269	74	27	arabia	arabia	PROPN
ejif-3269	74	28	,	,	PUNCT
ejif-3269	74	29	the	the	DET
ejif-3269	74	30	united	united	PROPN
ejif-3269	74	31	arab	arab	PROPN
ejif-3269	74	32	emirates	emirates	PROPN
ejif-3269	74	33	and	and	CCONJ
ejif-3269	74	34	malaysia	malaysia	PROPN
ejif-3269	74	35	.	.	PUNCT
ejif-3269	75	1	emerging	emerge	VERB
ejif-3269	75	2	markets	market	NOUN
ejif-3269	75	3	such	such	ADJ
ejif-3269	75	4	as	as	ADP
ejif-3269	75	5	pakistan	pakistan	PROPN
ejif-3269	75	6	and	and	CCONJ
ejif-3269	75	7	indonesia	indonesia	PROPN
ejif-3269	75	8	have	have	VERB
ejif-3269	75	9	a	a	DET
ejif-3269	75	10	large	large	ADJ
ejif-3269	75	11	muslim	muslim	ADJ
ejif-3269	75	12	population	population	NOUN
ejif-3269	75	13	and	and	CCONJ
ejif-3269	75	14	with	with	ADP
ejif-3269	75	15	this	this	PRON
ejif-3269	75	16	in	in	ADP
ejif-3269	75	17	mind	mind	NOUN
ejif-3269	75	18	,	,	PUNCT
ejif-3269	75	19	it	it	PRON
ejif-3269	75	20	is	be	AUX
ejif-3269	75	21	expected	expect	VERB
ejif-3269	75	22	to	to	PART
ejif-3269	75	23	have	have	VERB
ejif-3269	75	24	a	a	DET
ejif-3269	75	25	good	good	ADJ
ejif-3269	75	26	perspective	perspective	NOUN
ejif-3269	75	27	in	in	ADP
ejif-3269	75	28	the	the	DET
ejif-3269	75	29	future	future	NOUN
ejif-3269	75	30	.	.	PUNCT
ejif-3269	76	1	similarly	similarly	ADV
ejif-3269	76	2	,	,	PUNCT
ejif-3269	76	3	large	large	ADJ
ejif-3269	76	4	and	and	CCONJ
ejif-3269	76	5	untapped	untapped	ADJ
ejif-3269	76	6	markets	market	NOUN
ejif-3269	76	7	like	like	ADP
ejif-3269	76	8	india	india	PROPN
ejif-3269	76	9	are	be	AUX
ejif-3269	76	10	considered	consider	VERB
ejif-3269	76	11	to	to	PART
ejif-3269	76	12	be	be	AUX
ejif-3269	76	13	a	a	DET
ejif-3269	76	14	tremendous	tremendous	ADJ
ejif-3269	76	15	asset	asset	NOUN
ejif-3269	76	16	for	for	ADP
ejif-3269	76	17	courageous	courageous	ADJ
ejif-3269	76	18	investors	investor	NOUN
ejif-3269	76	19	.	.	PUNCT
ejif-3269	77	1	sources	source	NOUN
ejif-3269	77	2	:	:	PUNCT
ejif-3269	77	3	company	company	NOUN
ejif-3269	77	4	financial	financial	ADJ
ejif-3269	77	5	reports	report	NOUN
ejif-3269	77	6	,	,	PUNCT
ejif-3269	77	7	ey	ey	PRON
ejif-3269	77	8	universe	universe	NOUN
ejif-3269	77	9	,	,	PUNCT
ejif-3269	77	10	ey	ey	PRON
ejif-3269	77	11	analysis	analysis	NOUN
ejif-3269	77	12	(	(	PUNCT
ejif-3269	77	13	2018	2018	NUM
ejif-3269	77	14	)	)	PUNCT
ejif-3269	77	15	at	at	ADP
ejif-3269	77	16	present	present	ADJ
ejif-3269	77	17	,	,	PUNCT
ejif-3269	77	18	there	there	PRON
ejif-3269	77	19	has	have	AUX
ejif-3269	77	20	been	be	AUX
ejif-3269	77	21	no	no	DET
ejif-3269	77	22	effective	effective	ADJ
ejif-3269	77	23	step	step	NOUN
ejif-3269	77	24	in	in	ADP
ejif-3269	77	25	promoting	promote	VERB
ejif-3269	77	26	the	the	DET
ejif-3269	77	27	expansion	expansion	NOUN
ejif-3269	77	28	of	of	ADP
ejif-3269	77	29	islamic	islamic	ADJ
ejif-3269	77	30	banking	banking	NOUN
ejif-3269	77	31	.	.	PUNCT
ejif-3269	78	1	from	from	ADP
ejif-3269	78	2	a	a	DET
ejif-3269	78	3	strategic	strategic	ADJ
ejif-3269	78	4	point	point	NOUN
ejif-3269	78	5	of	of	ADP
ejif-3269	78	6	view	view	NOUN
ejif-3269	78	7	,	,	PUNCT
ejif-3269	78	8	markets	market	NOUN
ejif-3269	78	9	like	like	ADP
ejif-3269	78	10	india	india	PROPN
ejif-3269	78	11	are	be	AUX
ejif-3269	78	12	a	a	DET
ejif-3269	78	13	great	great	ADJ
ejif-3269	78	14	opportunity	opportunity	NOUN
ejif-3269	78	15	to	to	PART
ejif-3269	78	16	develop	develop	VERB
ejif-3269	78	17	.	.	PUNCT
ejif-3269	79	1	the	the	DET
ejif-3269	79	2	three	three	NUM
ejif-3269	79	3	main	main	ADJ
ejif-3269	79	4	types	type	NOUN
ejif-3269	79	5	of	of	ADP
ejif-3269	79	6	actors	actor	NOUN
ejif-3269	79	7	in	in	ADP
ejif-3269	79	8	the	the	DET
ejif-3269	79	9	islamic	islamic	ADJ
ejif-3269	79	10	banking	banking	NOUN
ejif-3269	79	11	industry	industry	NOUN
ejif-3269	79	12	are	be	AUX
ejif-3269	79	13	noteworthy	noteworthy	ADJ
ejif-3269	79	14	:	:	PUNCT
ejif-3269	79	15	islamic	islamic	ADJ
ejif-3269	79	16	banks	bank	NOUN
ejif-3269	79	17	and	and	CCONJ
ejif-3269	79	18	islamic	islamic	ADJ
ejif-3269	79	19	financial	financial	ADJ
ejif-3269	79	20	companies	company	NOUN
ejif-3269	79	21	.	.	PUNCT
ejif-3269	80	1	all	all	DET
ejif-3269	80	2	islamic	islamic	ADJ
ejif-3269	80	3	banks	bank	NOUN
ejif-3269	80	4	or	or	CCONJ
ejif-3269	80	5	institutions	institution	NOUN
ejif-3269	80	6	are	be	AUX
ejif-3269	80	7	entirely	entirely	ADV
ejif-3269	80	8	independent	independent	ADJ
ejif-3269	80	9	or	or	CCONJ
ejif-3269	80	10	are	be	AUX
ejif-3269	80	11	under	under	ADP
ejif-3269	80	12	the	the	DET
ejif-3269	80	13	umbrella	umbrella	NOUN
ejif-3269	80	14	of	of	ADP
ejif-3269	80	15	conventional	conventional	ADJ
ejif-3269	80	16	banks	bank	NOUN
ejif-3269	80	17	,	,	PUNCT
ejif-3269	80	18	with	with	ADP
ejif-3269	80	19	islamic	islamic	ADJ
ejif-3269	80	20	instruments	instrument	NOUN
ejif-3269	80	21	,	,	PUNCT
ejif-3269	80	22	are	be	AUX
ejif-3269	80	23	abandoned	abandon	VERB
ejif-3269	80	24	and	and	CCONJ
ejif-3269	80	25	isolated	isolate	VERB
ejif-3269	80	26	in	in	ADP
ejif-3269	80	27	islamic	islamic	ADJ
ejif-3269	80	28	banking	banking	NOUN
ejif-3269	80	29	,	,	PUNCT
ejif-3269	80	30	which	which	PRON
ejif-3269	80	31	are	be	AUX
ejif-3269	80	32	placed	place	VERB
ejif-3269	80	33	within	within	ADP
ejif-3269	80	34	conventional	conventional	ADJ
ejif-3269	80	35	banks.[13	banks.[13	NOUN
ejif-3269	80	36	]	]	PUNCT
ejif-3269	80	37	islamic	islamic	ADJ
ejif-3269	80	38	financial	financial	ADJ
ejif-3269	80	39	institutions	institution	NOUN
ejif-3269	80	40	focus	focus	VERB
ejif-3269	80	41	on	on	ADP
ejif-3269	80	42	providing	provide	VERB
ejif-3269	80	43	financial	financial	ADJ
ejif-3269	80	44	instruments	instrument	NOUN
ejif-3269	80	45	based	base	VERB
ejif-3269	80	46	on	on	ADP
ejif-3269	80	47	jurisprudence	jurisprudence	NOUN
ejif-3269	80	48	and	and	CCONJ
ejif-3269	80	49	religious	religious	ADJ
ejif-3269	80	50	law	law	NOUN
ejif-3269	80	51	,	,	PUNCT
ejif-3269	80	52	such	such	ADJ
ejif-3269	80	53	as	as	ADP
ejif-3269	80	54	housing	housing	NOUN
ejif-3269	80	55	and	and	CCONJ
ejif-3269	80	56	automobile	automobile	NOUN
ejif-3269	80	57	financing	financing	NOUN
ejif-3269	80	58	,	,	PUNCT
ejif-3269	80	59	and	and	CCONJ
ejif-3269	80	60	are	be	AUX
ejif-3269	80	61	not	not	PART
ejif-3269	80	62	allowed	allow	VERB
ejif-3269	80	63	to	to	PART
ejif-3269	80	64	receive	receive	VERB
ejif-3269	80	65	interests	interest	NOUN
ejif-3269	80	66	.	.	PUNCT
ejif-3269	81	1	1	1	X
ejif-3269	81	2	.	.	X
ejif-3269	81	3	is	be	AUX
ejif-3269	81	4	there	there	PRON
ejif-3269	81	5	a	a	DET
ejif-3269	81	6	market	market	NOUN
ejif-3269	81	7	or	or	CCONJ
ejif-3269	81	8	niche	niche	NOUN
ejif-3269	81	9	market	market	NOUN
ejif-3269	81	10	?	?	PUNCT
ejif-3269	82	1	basically	basically	ADV
ejif-3269	82	2	,	,	PUNCT
ejif-3269	82	3	islamic	islamic	ADJ
ejif-3269	82	4	banks	bank	NOUN
ejif-3269	82	5	have	have	VERB
ejif-3269	82	6	two	two	NUM
ejif-3269	82	7	strategic	strategic	ADJ
ejif-3269	82	8	options	option	NOUN
ejif-3269	82	9	ahead	ahead	ADV
ejif-3269	82	10	:	:	PUNCT
ejif-3269	82	11	the	the	DET
ejif-3269	82	12	exploitation	exploitation	NOUN
ejif-3269	82	13	of	of	ADP
ejif-3269	82	14	the	the	DET
ejif-3269	82	15	islamic	islamic	ADJ
ejif-3269	82	16	banking	banking	PROPN
ejif-3269	82	17	niche	niche	NOUN
ejif-3269	82	18	market	market	NOUN
ejif-3269	82	19	in	in	ADP
ejif-3269	82	20	full	full	ADJ
ejif-3269	82	21	contrast	contrast	NOUN
ejif-3269	82	22	with	with	ADP
ejif-3269	82	23	conventional	conventional	ADJ
ejif-3269	82	24	banks	bank	NOUN
ejif-3269	82	25	before	before	ADP
ejif-3269	82	26	moving	move	VERB
ejif-3269	82	27	on	on	ADP
ejif-3269	82	28	any	any	PRON
ejif-3269	82	29	of	of	ADP
ejif-3269	82	30	these	these	DET
ejif-3269	82	31	paths	path	NOUN
ejif-3269	82	32	,	,	PUNCT
ejif-3269	82	33	by	by	ADP
ejif-3269	82	34	adopting	adopt	VERB
ejif-3269	82	35	a	a	DET
ejif-3269	82	36	mixture	mixture	NOUN
ejif-3269	82	37	of	of	ADP
ejif-3269	82	38	both	both	DET
ejif-3269	82	39	strategies	strategy	NOUN
ejif-3269	82	40	,	,	PUNCT
ejif-3269	82	41	we	we	PRON
ejif-3269	82	42	present	present	VERB
ejif-3269	82	43	concepts	concept	NOUN
ejif-3269	82	44	from	from	ADP
ejif-3269	82	45	each	each	PRON
ejif-3269	82	46	of	of	ADP
ejif-3269	82	47	them[8	them[8	PROPN
ejif-3269	82	48	]	]	PUNCT
ejif-3269	82	49	.	.	PUNCT
ejif-3269	83	1	2	2	X
ejif-3269	83	2	.	.	X
ejif-3269	83	3	exploitation	exploitation	NOUN
ejif-3269	83	4	of	of	ADP
ejif-3269	83	5	the	the	DET
ejif-3269	83	6	niche	niche	NOUN
ejif-3269	83	7	market	market	NOUN
ejif-3269	83	8	the	the	DET
ejif-3269	83	9	full	full	ADJ
ejif-3269	83	10	exploitation	exploitation	NOUN
ejif-3269	83	11	of	of	ADP
ejif-3269	83	12	the	the	DET
ejif-3269	83	13	niche	niche	NOUN
ejif-3269	83	14	market	market	NOUN
ejif-3269	83	15	is	be	AUX
ejif-3269	83	16	intended	intend	VERB
ejif-3269	83	17	to	to	PART
ejif-3269	83	18	target	target	VERB
ejif-3269	83	19	segments	segment	NOUN
ejif-3269	83	20	of	of	ADP
ejif-3269	83	21	customers	customer	NOUN
ejif-3269	83	22	who	who	PRON
ejif-3269	83	23	are	be	AUX
ejif-3269	83	24	heavily	heavily	ADV
ejif-3269	83	25	involved	involve	VERB
ejif-3269	83	26	in	in	ADP
ejif-3269	83	27	financial	financial	ADJ
ejif-3269	83	28	transactions	transaction	NOUN
ejif-3269	83	29	in	in	ADP
ejif-3269	83	30	compliance	compliance	NOUN
ejif-3269	83	31	with	with	ADP
ejif-3269	83	32	religious	religious	ADJ
ejif-3269	83	33	law	law	NOUN
ejif-3269	83	34	.	.	PUNCT
ejif-3269	84	1	as	as	ADV
ejif-3269	84	2	well	well	ADV
ejif-3269	84	3	as	as	ADP
ejif-3269	84	4	the	the	DET
ejif-3269	84	5	provision	provision	NOUN
ejif-3269	84	6	of	of	ADP
ejif-3269	84	7	products	product	NOUN
ejif-3269	84	8	and	and	CCONJ
ejif-3269	84	9	services	service	NOUN
ejif-3269	84	10	that	that	PRON
ejif-3269	84	11	not	not	PART
ejif-3269	84	12	only	only	ADV
ejif-3269	84	13	address	address	VERB
ejif-3269	84	14	public	public	ADJ
ejif-3269	84	15	financing	financing	NOUN
ejif-3269	84	16	but	but	CCONJ
ejif-3269	84	17	also	also	ADV
ejif-3269	84	18	the	the	DET
ejif-3269	84	19	specific	specific	ADJ
ejif-3269	84	20	needs	need	NOUN
ejif-3269	84	21	of	of	ADP
ejif-3269	84	22	muslim	muslim	ADJ
ejif-3269	84	23	customers	customer	NOUN
ejif-3269	84	24	.	.	PUNCT
ejif-3269	85	1	while	while	SCONJ
ejif-3269	85	2	islamic	islamic	ADJ
ejif-3269	85	3	banking	banking	NOUN
ejif-3269	85	4	services	service	NOUN
ejif-3269	85	5	are	be	AUX
ejif-3269	85	6	plentiful	plentiful	ADJ
ejif-3269	85	7	in	in	ADP
ejif-3269	85	8	banking	banking	NOUN
ejif-3269	85	9	(	(	PUNCT
ejif-3269	85	10	for	for	ADP
ejif-3269	85	11	example	example	NOUN
ejif-3269	85	12	,	,	PUNCT
ejif-3269	85	13	auto	auto	NOUN
ejif-3269	85	14	loans	loan	NOUN
ejif-3269	85	15	and	and	CCONJ
ejif-3269	85	16	credit	credit	NOUN
ejif-3269	85	17	cards	card	NOUN
ejif-3269	85	18	)	)	PUNCT
ejif-3269	85	19	,	,	PUNCT
ejif-3269	85	20	while	while	SCONJ
ejif-3269	85	21	there	there	PRON
ejif-3269	85	22	are	be	VERB
ejif-3269	85	23	vacancies	vacancy	NOUN
ejif-3269	85	24	in	in	ADP
ejif-3269	85	25	some	some	DET
ejif-3269	85	26	more	more	ADV
ejif-3269	85	27	complex	complex	ADJ
ejif-3269	85	28	and	and	CCONJ
ejif-3269	85	29	advanced	advanced	ADJ
ejif-3269	85	30	areas	area	NOUN
ejif-3269	85	31	(	(	PUNCT
ejif-3269	85	32	for	for	ADP
ejif-3269	85	33	example	example	NOUN
ejif-3269	85	34	,	,	PUNCT
ejif-3269	85	35	asset	asset	NOUN
ejif-3269	85	36	management	management	NOUN
ejif-3269	85	37	and	and	CCONJ
ejif-3269	85	38	wealth	wealth	NOUN
ejif-3269	85	39	management	management	NOUN
ejif-3269	85	40	)	)	PUNCT
ejif-3269	85	41	,	,	PUNCT
ejif-3269	85	42	such	such	ADJ
ejif-3269	85	43	products	product	NOUN
ejif-3269	85	44	that	that	PRON
ejif-3269	85	45	are	be	AUX
ejif-3269	85	46	ejif	ejif	PROPN
ejif-3269	85	47	–	–	PUNCT
ejif-3269	85	48	european	european	ADJ
ejif-3269	85	49	journal	journal	PROPN
ejif-3269	85	50	of	of	ADP
ejif-3269	85	51	islamic	islamic	PROPN
ejif-3269	85	52	finance	finance	PROPN
ejif-3269	85	53	no	no	DET
ejif-3269	85	54	12	12	NUM
ejif-3269	85	55	,	,	PUNCT
ejif-3269	85	56	april	april	PROPN
ejif-3269	85	57	(	(	PUNCT
ejif-3269	85	58	2019	2019	NUM
ejif-3269	85	59	)	)	PUNCT
ejif-3269	86	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	86	2	issn	issn	VERB
ejif-3269	86	3	2421	2421	NUM
ejif-3269	86	4	-	-	SYM
ejif-3269	86	5	2172	2172	NUM
ejif-3269	86	6	4	4	NUM
ejif-3269	86	7	appropriate	appropriate	ADJ
ejif-3269	86	8	to	to	ADP
ejif-3269	86	9	the	the	DET
ejif-3269	86	10	specific	specific	ADJ
ejif-3269	86	11	needs	need	NOUN
ejif-3269	86	12	of	of	ADP
ejif-3269	86	13	muslim	muslim	ADJ
ejif-3269	86	14	customers	customer	NOUN
ejif-3269	86	15	,	,	PUNCT
ejif-3269	86	16	provide	provide	VERB
ejif-3269	86	17	a	a	DET
ejif-3269	86	18	ground	ground	NOUN
ejif-3269	86	19	for	for	ADP
ejif-3269	86	20	actual	actual	ADJ
ejif-3269	86	21	distinction	distinction	NOUN
ejif-3269	86	22	[	[	X
ejif-3269	86	23	14	14	NUM
ejif-3269	86	24	]	]	PUNCT
ejif-3269	86	25	.	.	PUNCT
ejif-3269	87	1	in	in	ADP
ejif-3269	87	2	microfinance	microfinance	NOUN
ejif-3269	87	3	,	,	PUNCT
ejif-3269	87	4	target	target	NOUN
ejif-3269	87	5	customers	customer	NOUN
ejif-3269	87	6	can	can	AUX
ejif-3269	87	7	consist	consist	VERB
ejif-3269	87	8	religious	religious	ADJ
ejif-3269	87	9	conservatives	conservative	NOUN
ejif-3269	87	10	,	,	PUNCT
ejif-3269	87	11	clerics	cleric	NOUN
ejif-3269	87	12	,	,	PUNCT
ejif-3269	87	13	endowment	endowment	NOUN
ejif-3269	87	14	organs	organ	NOUN
ejif-3269	87	15	,	,	PUNCT
ejif-3269	87	16	or	or	CCONJ
ejif-3269	87	17	members	member	NOUN
ejif-3269	87	18	of	of	ADP
ejif-3269	87	19	the	the	DET
ejif-3269	87	20	islamic	islamic	ADJ
ejif-3269	87	21	ministries	ministry	NOUN
ejif-3269	87	22	of	of	ADP
ejif-3269	87	23	justice	justice	NOUN
ejif-3269	87	24	.	.	PUNCT
ejif-3269	88	1	an	an	DET
ejif-3269	88	2	example	example	NOUN
ejif-3269	88	3	case	case	NOUN
ejif-3269	88	4	of	of	ADP
ejif-3269	88	5	a	a	DET
ejif-3269	88	6	microfinance	microfinance	NOUN
ejif-3269	88	7	product	product	NOUN
ejif-3269	88	8	that	that	PRON
ejif-3269	88	9	is	be	AUX
ejif-3269	88	10	specific	specific	ADJ
ejif-3269	88	11	to	to	ADP
ejif-3269	88	12	muslims	muslims	PROPN
ejif-3269	88	13	is	be	AUX
ejif-3269	88	14	the	the	DET
ejif-3269	88	15	financing	financing	NOUN
ejif-3269	88	16	of	of	ADP
ejif-3269	88	17	pilgrimage	pilgrimage	NOUN
ejif-3269	88	18	to	to	ADP
ejif-3269	88	19	hajj	hajj	PROPN
ejif-3269	88	20	pilgrimages	pilgrimage	NOUN
ejif-3269	88	21	.	.	PUNCT
ejif-3269	89	1	this	this	DET
ejif-3269	89	2	service	service	NOUN
ejif-3269	89	3	is	be	AUX
ejif-3269	89	4	also	also	ADV
ejif-3269	89	5	suitable	suitable	ADJ
ejif-3269	89	6	for	for	ADP
ejif-3269	89	7	clients	client	NOUN
ejif-3269	89	8	who	who	PRON
ejif-3269	89	9	commonly	commonly	ADV
ejif-3269	89	10	consider	consider	VERB
ejif-3269	89	11	less	less	ADJ
ejif-3269	89	12	importance	importance	NOUN
ejif-3269	89	13	in	in	ADP
ejif-3269	89	14	their	their	PRON
ejif-3269	89	15	finances	finance	NOUN
ejif-3269	89	16	to	to	PART
ejif-3269	89	17	comply	comply	VERB
ejif-3269	89	18	with	with	ADP
ejif-3269	89	19	religious	religious	ADJ
ejif-3269	89	20	law	law	NOUN
ejif-3269	89	21	.	.	PUNCT
ejif-3269	90	1	such	such	ADJ
ejif-3269	90	2	products	product	NOUN
ejif-3269	90	3	are	be	AUX
ejif-3269	90	4	now	now	ADV
ejif-3269	90	5	existing	exist	VERB
ejif-3269	90	6	in	in	ADP
ejif-3269	90	7	some	some	DET
ejif-3269	90	8	muslim	muslim	ADJ
ejif-3269	90	9	countries	country	NOUN
ejif-3269	90	10	;	;	PUNCT
ejif-3269	90	11	for	for	ADP
ejif-3269	90	12	instance	instance	NOUN
ejif-3269	90	13	,	,	PUNCT
ejif-3269	90	14	the	the	DET
ejif-3269	90	15	tabung	tabung	PROPN
ejif-3269	90	16	banking	banking	NOUN
ejif-3269	90	17	in	in	ADP
ejif-3269	90	18	malaysia	malaysia	PROPN
ejif-3269	90	19	and	and	CCONJ
ejif-3269	90	20	brunei[15	brunei[15	NOUN
ejif-3269	90	21	]	]	X
ejif-3269	90	22	.	.	PUNCT
ejif-3269	91	1	in	in	ADP
ejif-3269	91	2	personal	personal	ADJ
ejif-3269	91	3	banking	banking	NOUN
ejif-3269	91	4	,	,	PUNCT
ejif-3269	91	5	the	the	DET
ejif-3269	91	6	objective	objective	ADJ
ejif-3269	91	7	sectors	sector	NOUN
ejif-3269	91	8	may	may	AUX
ejif-3269	91	9	comprise	comprise	VERB
ejif-3269	91	10	the	the	DET
ejif-3269	91	11	holders	holder	NOUN
ejif-3269	91	12	of	of	ADP
ejif-3269	91	13	halal	halal	NOUN
ejif-3269	91	14	industries	industry	NOUN
ejif-3269	91	15	.	.	PUNCT
ejif-3269	92	1	providing	provide	VERB
ejif-3269	92	2	expert	expert	NOUN
ejif-3269	92	3	consultation	consultation	NOUN
ejif-3269	92	4	to	to	ADP
ejif-3269	92	5	people	people	NOUN
ejif-3269	92	6	with	with	ADP
ejif-3269	92	7	great	great	ADJ
ejif-3269	92	8	particular	particular	ADJ
ejif-3269	92	9	worthwhile	worthwhile	ADJ
ejif-3269	92	10	sketching	sketching	NOUN
ejif-3269	92	11	for	for	ADP
ejif-3269	92	12	the	the	DET
ejif-3269	92	13	endowment	endowment	NOUN
ejif-3269	92	14	can	can	AUX
ejif-3269	92	15	be	be	AUX
ejif-3269	92	16	a	a	DET
ejif-3269	92	17	various	various	ADJ
ejif-3269	92	18	and	and	CCONJ
ejif-3269	92	19	specific	specific	ADJ
ejif-3269	92	20	service	service	NOUN
ejif-3269	92	21	in	in	ADP
ejif-3269	92	22	this	this	DET
ejif-3269	92	23	section	section	NOUN
ejif-3269	92	24	.	.	PUNCT
ejif-3269	93	1	in	in	ADP
ejif-3269	93	2	corporate	corporate	ADJ
ejif-3269	93	3	banking	banking	NOUN
ejif-3269	93	4	,	,	PUNCT
ejif-3269	93	5	the	the	DET
ejif-3269	93	6	target	target	NOUN
ejif-3269	93	7	sectors	sector	NOUN
ejif-3269	93	8	could	could	AUX
ejif-3269	93	9	include	include	VERB
ejif-3269	93	10	islamic	islamic	ADJ
ejif-3269	93	11	philanthropy	philanthropy	NOUN
ejif-3269	93	12	foundations	foundation	NOUN
ejif-3269	93	13	and	and	CCONJ
ejif-3269	93	14	the	the	DET
ejif-3269	93	15	halal	halal	NOUN
ejif-3269	93	16	industry[16	industry[16	PROPN
ejif-3269	93	17	]	]	PUNCT
ejif-3269	93	18	.	.	PUNCT
ejif-3269	94	1	asset	asset	NOUN
ejif-3269	94	2	management	management	NOUN
ejif-3269	94	3	for	for	ADP
ejif-3269	94	4	endowments	endowment	NOUN
ejif-3269	94	5	,	,	PUNCT
ejif-3269	94	6	funded	fund	VERB
ejif-3269	94	7	by	by	ADP
ejif-3269	94	8	western	western	ADJ
ejif-3269	94	9	organizations	organization	NOUN
ejif-3269	94	10	,	,	PUNCT
ejif-3269	94	11	purchased	purchase	VERB
ejif-3269	94	12	by	by	ADP
ejif-3269	94	13	private	private	ADJ
ejif-3269	94	14	companies	company	NOUN
ejif-3269	94	15	based	base	VERB
ejif-3269	94	16	on	on	ADP
ejif-3269	94	17	religious	religious	ADJ
ejif-3269	94	18	law	law	NOUN
ejif-3269	94	19	,	,	PUNCT
ejif-3269	94	20	can	can	AUX
ejif-3269	94	21	be	be	AUX
ejif-3269	94	22	considered	consider	VERB
ejif-3269	94	23	as	as	ADP
ejif-3269	94	24	an	an	DET
ejif-3269	94	25	essential	essential	ADJ
ejif-3269	94	26	service	service	NOUN
ejif-3269	94	27	in	in	ADP
ejif-3269	94	28	the	the	DET
ejif-3269	94	29	field	field	NOUN
ejif-3269	94	30	of	of	ADP
ejif-3269	94	31	islamic	islamic	ADJ
ejif-3269	94	32	banking	banking	NOUN
ejif-3269	94	33	.	.	PUNCT
ejif-3269	95	1	in	in	ADP
ejif-3269	95	2	institutional	institutional	ADJ
ejif-3269	95	3	banking	banking	NOUN
ejif-3269	95	4	,	,	PUNCT
ejif-3269	95	5	other	other	ADJ
ejif-3269	95	6	financial	financial	ADJ
ejif-3269	95	7	institutions	institution	NOUN
ejif-3269	95	8	can	can	AUX
ejif-3269	95	9	serve	serve	VERB
ejif-3269	95	10	the	the	DET
ejif-3269	95	11	purpose	purpose	NOUN
ejif-3269	95	12	of	of	ADP
ejif-3269	95	13	providing	provide	VERB
ejif-3269	95	14	specialized	specialized	ADJ
ejif-3269	95	15	banking	banking	NOUN
ejif-3269	95	16	services	service	NOUN
ejif-3269	95	17	to	to	PART
ejif-3269	95	18	support	support	VERB
ejif-3269	95	19	the	the	DET
ejif-3269	95	20	development	development	NOUN
ejif-3269	95	21	of	of	ADP
ejif-3269	95	22	islamic	islamic	ADJ
ejif-3269	95	23	financial	financial	ADJ
ejif-3269	95	24	activities	activity	NOUN
ejif-3269	95	25	.	.	PUNCT
ejif-3269	96	1	on	on	ADP
ejif-3269	96	2	the	the	DET
ejif-3269	96	3	other	other	ADJ
ejif-3269	96	4	hand	hand	NOUN
ejif-3269	96	5	,	,	PUNCT
ejif-3269	96	6	the	the	DET
ejif-3269	96	7	full	full	ADJ
ejif-3269	96	8	exploitation	exploitation	NOUN
ejif-3269	96	9	of	of	ADP
ejif-3269	96	10	islamic	islamic	ADJ
ejif-3269	96	11	banking	banking	NOUN
ejif-3269	96	12	requires	require	VERB
ejif-3269	96	13	attention	attention	NOUN
ejif-3269	96	14	to	to	ADP
ejif-3269	96	15	pricing	pricing	NOUN
ejif-3269	96	16	.	.	PUNCT
ejif-3269	97	1	since	since	SCONJ
ejif-3269	97	2	target	target	NOUN
ejif-3269	97	3	customers	customer	NOUN
ejif-3269	97	4	are	be	AUX
ejif-3269	97	5	less	less	ADV
ejif-3269	97	6	willing	willing	ADJ
ejif-3269	97	7	to	to	PART
ejif-3269	97	8	accept	accept	VERB
ejif-3269	97	9	conventional	conventional	ADJ
ejif-3269	97	10	banking	banking	NOUN
ejif-3269	97	11	products	product	NOUN
ejif-3269	97	12	,	,	PUNCT
ejif-3269	97	13	islamic	islamic	ADJ
ejif-3269	97	14	banking	banking	NOUN
ejif-3269	97	15	products	product	NOUN
ejif-3269	97	16	can	can	AUX
ejif-3269	97	17	be	be	AUX
ejif-3269	97	18	priced	price	VERB
ejif-3269	97	19	at	at	ADP
ejif-3269	97	20	a	a	DET
ejif-3269	97	21	higher	high	ADJ
ejif-3269	97	22	price	price	NOUN
ejif-3269	97	23	than	than	ADP
ejif-3269	97	24	conventional	conventional	ADJ
ejif-3269	97	25	products	product	NOUN
ejif-3269	97	26	,	,	PUNCT
ejif-3269	97	27	provided	provide	VERB
ejif-3269	97	28	they	they	PRON
ejif-3269	97	29	remain	remain	VERB
ejif-3269	97	30	competitive	competitive	ADJ
ejif-3269	97	31	among	among	ADP
ejif-3269	97	32	islamic	islamic	ADJ
ejif-3269	97	33	products.[15	products.[15	PROPN
ejif-3269	97	34	,	,	PUNCT
ejif-3269	97	35	p.	p.	NOUN
ejif-3269	97	36	04	04	NUM
ejif-3269	97	37	]	]	PUNCT
ejif-3269	97	38	maintaining	maintain	VERB
ejif-3269	97	39	a	a	DET
ejif-3269	97	40	personal	personal	ADJ
ejif-3269	97	41	relationship	relationship	NOUN
ejif-3269	97	42	in	in	ADP
ejif-3269	97	43	gaining	gain	VERB
ejif-3269	97	44	"	"	PUNCT
ejif-3269	97	45	loyalties	loyalty	NOUN
ejif-3269	97	46	to	to	ADP
ejif-3269	97	47	islamic	islamic	ADJ
ejif-3269	97	48	banking	banking	NOUN
ejif-3269	97	49	is	be	AUX
ejif-3269	97	50	important	important	ADJ
ejif-3269	97	51	,	,	PUNCT
ejif-3269	97	52	and	and	CCONJ
ejif-3269	97	53	this	this	PRON
ejif-3269	97	54	means	mean	VERB
ejif-3269	97	55	providing	provide	VERB
ejif-3269	97	56	bricks	brick	NOUN
ejif-3269	97	57	and	and	CCONJ
ejif-3269	97	58	cement	cement	NOUN
ejif-3269	97	59	(	(	PUNCT
ejif-3269	97	60	physical	physical	ADJ
ejif-3269	97	61	)	)	PUNCT
ejif-3269	97	62	branches	branch	NOUN
ejif-3269	97	63	where	where	SCONJ
ejif-3269	97	64	the	the	DET
ejif-3269	97	65	line	line	NOUN
ejif-3269	97	66	staff	staff	NOUN
ejif-3269	97	67	can	can	AUX
ejif-3269	97	68	faceto	faceto	VERB
ejif-3269	97	69	-	-	PUNCT
ejif-3269	97	70	face	face	NOUN
ejif-3269	97	71	meetings	meeting	NOUN
ejif-3269	97	72	with	with	ADP
ejif-3269	97	73	customers[17	customers[17	PROPN
ejif-3269	97	74	]	]	PUNCT
ejif-3269	97	75	.	.	PUNCT
ejif-3269	98	1	at	at	ADP
ejif-3269	98	2	the	the	DET
ejif-3269	98	3	same	same	ADJ
ejif-3269	98	4	time	time	NOUN
ejif-3269	98	5	,	,	PUNCT
ejif-3269	98	6	non	non	X
ejif-3269	98	7	traditional	traditional	ADJ
ejif-3269	98	8	methods	method	NOUN
ejif-3269	98	9	to	to	PART
ejif-3269	98	10	reach	reach	VERB
ejif-3269	98	11	customers	customer	NOUN
ejif-3269	98	12	through	through	ADP
ejif-3269	98	13	alternative	alternative	ADJ
ejif-3269	98	14	ways	way	NOUN
ejif-3269	98	15	,	,	PUNCT
ejif-3269	98	16	like	like	ADP
ejif-3269	98	17	the	the	DET
ejif-3269	98	18	phone	phone	NOUN
ejif-3269	98	19	bank	bank	NOUN
ejif-3269	98	20	,	,	PUNCT
ejif-3269	98	21	should	should	AUX
ejif-3269	98	22	also	also	ADV
ejif-3269	98	23	be	be	AUX
ejif-3269	98	24	taken	take	VERB
ejif-3269	98	25	into	into	ADP
ejif-3269	98	26	consideration[18	consideration[18	NOUN
ejif-3269	98	27	]	]	PUNCT
ejif-3269	98	28	.	.	PUNCT
ejif-3269	99	1	in	in	ADP
ejif-3269	99	2	addition	addition	NOUN
ejif-3269	99	3	,	,	PUNCT
ejif-3269	99	4	the	the	DET
ejif-3269	99	5	social	social	ADJ
ejif-3269	99	6	responsibility	responsibility	NOUN
ejif-3269	99	7	of	of	ADP
ejif-3269	99	8	the	the	DET
ejif-3269	99	9	organization	organization	NOUN
ejif-3269	99	10	,	,	PUNCT
ejif-3269	99	11	for	for	ADP
ejif-3269	99	12	example	example	NOUN
ejif-3269	99	13	,	,	PUNCT
ejif-3269	99	14	to	to	PART
ejif-3269	99	15	support	support	VERB
ejif-3269	99	16	local	local	ADJ
ejif-3269	99	17	community	community	NOUN
ejif-3269	99	18	associations	association	NOUN
ejif-3269	99	19	and	and	CCONJ
ejif-3269	99	20	the	the	DET
ejif-3269	99	21	establishment	establishment	NOUN
ejif-3269	99	22	of	of	ADP
ejif-3269	99	23	islamic	islamic	ADJ
ejif-3269	99	24	philanthropy	philanthropy	PROPN
ejif-3269	99	25	foundations	foundation	NOUN
ejif-3269	99	26	,	,	PUNCT
ejif-3269	99	27	can	can	AUX
ejif-3269	99	28	be	be	AUX
ejif-3269	99	29	strongly	strongly	ADV
ejif-3269	99	30	requested	request	VERB
ejif-3269	99	31	by	by	ADP
ejif-3269	99	32	islamic	islamic	ADJ
ejif-3269	99	33	banking	banking	NOUN
ejif-3269	99	34	customers	customer	NOUN
ejif-3269	99	35	.	.	PUNCT
ejif-3269	100	1	some	some	DET
ejif-3269	100	2	international	international	ADJ
ejif-3269	100	3	banks	bank	NOUN
ejif-3269	100	4	have	have	VERB
ejif-3269	100	5	islamic	islamic	ADJ
ejif-3269	100	6	effects	effect	NOUN
ejif-3269	100	7	in	in	ADP
ejif-3269	100	8	many	many	ADJ
ejif-3269	100	9	countries	country	NOUN
ejif-3269	100	10	,	,	PUNCT
ejif-3269	100	11	for	for	ADP
ejif-3269	100	12	example	example	NOUN
ejif-3269	100	13	,	,	PUNCT
ejif-3269	100	14	hsbc	hsbc	PROPN
ejif-3269	100	15	annual	annual	NOUN
ejif-3269	100	16	in	in	ADP
ejif-3269	100	17	malaysia	malaysia	PROPN
ejif-3269	100	18	and	and	CCONJ
ejif-3269	100	19	some	some	DET
ejif-3269	100	20	islamic	islamic	ADJ
ejif-3269	100	21	banking	banking	NOUN
ejif-3269	100	22	communities	community	NOUN
ejif-3269	100	23	that	that	PRON
ejif-3269	100	24	are	be	AUX
ejif-3269	100	25	resident	resident	ADJ
ejif-3269	100	26	in	in	ADP
ejif-3269	100	27	the	the	DET
ejif-3269	100	28	gcc	gcc	NOUN
ejif-3269	100	29	have	have	VERB
ejif-3269	100	30	significant	significant	ADJ
ejif-3269	100	31	geographical	geographical	ADJ
ejif-3269	100	32	envelopment[19	envelopment[19	NOUN
ejif-3269	100	33	]	]	PUNCT
ejif-3269	100	34	.	.	PUNCT
ejif-3269	101	1	although	although	SCONJ
ejif-3269	101	2	some	some	DET
ejif-3269	101	3	banks	bank	NOUN
ejif-3269	101	4	focus	focus	VERB
ejif-3269	101	5	on	on	ADP
ejif-3269	101	6	the	the	DET
ejif-3269	101	7	same	same	ADJ
ejif-3269	101	8	country	country	NOUN
ejif-3269	101	9	,	,	PUNCT
ejif-3269	101	10	geographic	geographic	ADJ
ejif-3269	101	11	extension	extension	NOUN
ejif-3269	101	12	is	be	AUX
ejif-3269	101	13	considered	consider	VERB
ejif-3269	101	14	an	an	DET
ejif-3269	101	15	opportunity	opportunity	NOUN
ejif-3269	101	16	for	for	ADP
ejif-3269	101	17	growth	growth	NOUN
ejif-3269	101	18	for	for	ADP
ejif-3269	101	19	centralized	centralized	ADJ
ejif-3269	101	20	banks	bank	NOUN
ejif-3269	101	21	on	on	ADP
ejif-3269	101	22	niche	niche	NOUN
ejif-3269	101	23	market	market	NOUN
ejif-3269	101	24	.	.	PUNCT
ejif-3269	102	1	there	there	PRON
ejif-3269	102	2	are	be	VERB
ejif-3269	102	3	good	good	ADJ
ejif-3269	102	4	markets	market	NOUN
ejif-3269	102	5	outside	outside	ADP
ejif-3269	102	6	malaysia	malaysia	PROPN
ejif-3269	102	7	and	and	CCONJ
ejif-3269	102	8	the	the	DET
ejif-3269	102	9	gcc	gcc	NOUN
ejif-3269	102	10	,	,	PUNCT
ejif-3269	102	11	including	include	VERB
ejif-3269	102	12	emerging	emerge	VERB
ejif-3269	102	13	markets	market	NOUN
ejif-3269	102	14	with	with	ADP
ejif-3269	102	15	a	a	DET
ejif-3269	102	16	majority	majority	NOUN
ejif-3269	102	17	of	of	ADP
ejif-3269	102	18	muslim	muslim	ADJ
ejif-3269	102	19	populations	population	NOUN
ejif-3269	102	20	,	,	PUNCT
ejif-3269	102	21	like	like	ADP
ejif-3269	102	22	indonesia	indonesia	PROPN
ejif-3269	102	23	and	and	CCONJ
ejif-3269	102	24	iraq	iraq	PROPN
ejif-3269	102	25	,	,	PUNCT
ejif-3269	102	26	and	and	CCONJ
ejif-3269	102	27	rich	rich	ADJ
ejif-3269	102	28	and	and	CCONJ
ejif-3269	102	29	developed	developed	ADJ
ejif-3269	102	30	markets	market	NOUN
ejif-3269	102	31	with	with	ADP
ejif-3269	102	32	muslim	muslim	ADJ
ejif-3269	102	33	minorities	minority	NOUN
ejif-3269	102	34	like	like	ADP
ejif-3269	102	35	germany	germany	PROPN
ejif-3269	102	36	and	and	CCONJ
ejif-3269	102	37	france	france	PROPN
ejif-3269	102	38	.	.	PUNCT
ejif-3269	103	1	in	in	ADP
ejif-3269	103	2	these	these	DET
ejif-3269	103	3	two	two	NUM
ejif-3269	103	4	countries	country	NOUN
ejif-3269	103	5	,	,	PUNCT
ejif-3269	103	6	venture	venture	NOUN
ejif-3269	103	7	cooperatives	cooperative	NOUN
ejif-3269	103	8	can	can	AUX
ejif-3269	103	9	be	be	AUX
ejif-3269	103	10	the	the	DET
ejif-3269	103	11	best	good	ADJ
ejif-3269	103	12	entry	entry	NOUN
ejif-3269	103	13	strategy	strategy	NOUN
ejif-3269	103	14	[	[	X
ejif-3269	103	15	18	18	NUM
ejif-3269	103	16	]	]	PUNCT
ejif-3269	103	17	.	.	PUNCT
ejif-3269	104	1	market	market	NOUN
ejif-3269	104	2	vacuums	vacuum	NOUN
ejif-3269	104	3	are	be	AUX
ejif-3269	104	4	very	very	ADV
ejif-3269	104	5	diverse	diverse	ADJ
ejif-3269	104	6	so	so	SCONJ
ejif-3269	104	7	that	that	SCONJ
ejif-3269	104	8	opportunities	opportunity	NOUN
ejif-3269	104	9	to	to	PART
ejif-3269	104	10	meet	meet	VERB
ejif-3269	104	11	the	the	DET
ejif-3269	104	12	specific	specific	ADJ
ejif-3269	104	13	needs	need	NOUN
ejif-3269	104	14	of	of	ADP
ejif-3269	104	15	muslim	muslim	ADJ
ejif-3269	104	16	customers	customer	NOUN
ejif-3269	104	17	with	with	ADP
ejif-3269	104	18	special	special	ADJ
ejif-3269	104	19	banking	banking	NOUN
ejif-3269	104	20	outcomes	outcome	NOUN
ejif-3269	104	21	consistent	consistent	ADJ
ejif-3269	104	22	with	with	ADP
ejif-3269	104	23	fundamental	fundamental	ADJ
ejif-3269	104	24	islamic	islamic	ADJ
ejif-3269	104	25	values	value	NOUN
ejif-3269	104	26	are	be	AUX
ejif-3269	104	27	still	still	ADV
ejif-3269	104	28	not	not	PART
ejif-3269	104	29	developed	develop	VERB
ejif-3269	104	30	and	and	CCONJ
ejif-3269	104	31	provide	provide	VERB
ejif-3269	104	32	adsorbent	adsorbent	NOUN
ejif-3269	104	33	areas	area	NOUN
ejif-3269	104	34	for	for	ADP
ejif-3269	104	35	development	development	NOUN
ejif-3269	104	36	and	and	CCONJ
ejif-3269	104	37	profit	profit	NOUN
ejif-3269	104	38	for	for	ADP
ejif-3269	104	39	those	those	PRON
ejif-3269	104	40	who	who	PRON
ejif-3269	104	41	are	be	AUX
ejif-3269	104	42	keen	keen	ADJ
ejif-3269	104	43	on	on	ADP
ejif-3269	104	44	exploiting	exploit	VERB
ejif-3269	104	45	niche	niche	NOUN
ejif-3269	104	46	market	market	NOUN
ejif-3269	104	47	[	[	X
ejif-3269	104	48	20	20	NUM
ejif-3269	104	49	]	]	PUNCT
ejif-3269	104	50	.	.	PUNCT
ejif-3269	105	1	3	3	X
ejif-3269	105	2	.	.	X
ejif-3269	105	3	face	face	NOUN
ejif-3269	105	4	-	-	PUNCT
ejif-3269	105	5	to	to	ADP
ejif-3269	105	6	-	-	PUNCT
ejif-3269	105	7	face	face	NOUN
ejif-3269	105	8	competition	competition	NOUN
ejif-3269	105	9	with	with	ADP
ejif-3269	105	10	conventional	conventional	ADJ
ejif-3269	105	11	banks	bank	NOUN
ejif-3269	105	12	it	it	PRON
ejif-3269	105	13	is	be	AUX
ejif-3269	105	14	the	the	DET
ejif-3269	105	15	obvious	obvious	ADJ
ejif-3269	105	16	that	that	SCONJ
ejif-3269	105	17	many	many	ADJ
ejif-3269	105	18	islamic	islamic	ADJ
ejif-3269	105	19	banks	bank	NOUN
ejif-3269	105	20	challenge	challenge	VERB
ejif-3269	105	21	versus	versus	ADP
ejif-3269	105	22	their	their	PRON
ejif-3269	105	23	competitors	competitor	NOUN
ejif-3269	105	24	.	.	PUNCT
ejif-3269	106	1	at	at	ADP
ejif-3269	106	2	the	the	DET
ejif-3269	106	3	same	same	ADJ
ejif-3269	106	4	time	time	NOUN
ejif-3269	106	5	,	,	PUNCT
ejif-3269	106	6	everybody	everybody	PRON
ejif-3269	106	7	does	do	AUX
ejif-3269	106	8	not	not	PART
ejif-3269	106	9	notice	notice	VERB
ejif-3269	106	10	that	that	SCONJ
ejif-3269	106	11	the	the	DET
ejif-3269	106	12	face	face	NOUN
ejif-3269	106	13	-	-	PUNCT
ejif-3269	106	14	to	to	ADP
ejif-3269	106	15	-	-	PUNCT
ejif-3269	106	16	face	face	NOUN
ejif-3269	106	17	strategy	strategy	NOUN
ejif-3269	106	18	is	be	AUX
ejif-3269	106	19	essentially	essentially	ADV
ejif-3269	106	20	different	different	ADJ
ejif-3269	106	21	to	to	ADP
ejif-3269	106	22	the	the	DET
ejif-3269	106	23	strategy	strategy	NOUN
ejif-3269	106	24	of	of	ADP
ejif-3269	106	25	exploiting	exploit	VERB
ejif-3269	106	26	the	the	DET
ejif-3269	106	27	niche	niche	NOUN
ejif-3269	106	28	market	market	NOUN
ejif-3269	106	29	islamic	islamic	ADJ
ejif-3269	106	30	banking	banking	NOUN
ejif-3269	106	31	.	.	PUNCT
ejif-3269	107	1	competition	competition	NOUN
ejif-3269	107	2	against	against	ADP
ejif-3269	107	3	conventional	conventional	ADJ
ejif-3269	107	4	banks	bank	NOUN
ejif-3269	107	5	means	mean	VERB
ejif-3269	107	6	attracting	attract	VERB
ejif-3269	107	7	customers	customer	NOUN
ejif-3269	107	8	who	who	PRON
ejif-3269	107	9	are	be	AUX
ejif-3269	107	10	less	less	ADV
ejif-3269	107	11	important	important	ADJ
ejif-3269	107	12	in	in	ADP
ejif-3269	107	13	their	their	PRON
ejif-3269	107	14	financial	financial	ADJ
ejif-3269	107	15	activities	activity	NOUN
ejif-3269	107	16	to	to	PART
ejif-3269	107	17	comply	comply	VERB
ejif-3269	107	18	with	with	ADP
ejif-3269	107	19	religious	religious	ADJ
ejif-3269	107	20	rules	rule	NOUN
ejif-3269	107	21	and	and	CCONJ
ejif-3269	107	22	pay	pay	VERB
ejif-3269	107	23	more	more	ADJ
ejif-3269	107	24	attention	attention	NOUN
ejif-3269	107	25	to	to	ADP
ejif-3269	107	26	competitive	competitive	ADJ
ejif-3269	107	27	products	product	NOUN
ejif-3269	107	28	and	and	CCONJ
ejif-3269	107	29	effective	effective	ADJ
ejif-3269	107	30	services	service	NOUN
ejif-3269	107	31	in	in	ADP
ejif-3269	107	32	the	the	DET
ejif-3269	107	33	banking	banking	NOUN
ejif-3269	107	34	market[21	market[21	PROPN
ejif-3269	107	35	]	]	PUNCT
ejif-3269	107	36	.	.	PUNCT
ejif-3269	108	1	there	there	PRON
ejif-3269	108	2	are	be	VERB
ejif-3269	108	3	three	three	NUM
ejif-3269	108	4	key	key	ADJ
ejif-3269	108	5	principles	principle	NOUN
ejif-3269	108	6	in	in	ADP
ejif-3269	108	7	targeting	target	VERB
ejif-3269	108	8	the	the	DET
ejif-3269	108	9	customer	customer	NOUN
ejif-3269	108	10	segments	segment	NOUN
ejif-3269	108	11	.	.	PUNCT
ejif-3269	109	1	first	first	ADV
ejif-3269	109	2	,	,	PUNCT
ejif-3269	109	3	identifying	identify	VERB
ejif-3269	109	4	the	the	DET
ejif-3269	109	5	segments	segment	NOUN
ejif-3269	109	6	of	of	ADP
ejif-3269	109	7	the	the	DET
ejif-3269	109	8	customers	customer	NOUN
ejif-3269	109	9	who	who	PRON
ejif-3269	109	10	have	have	VERB
ejif-3269	109	11	the	the	DET
ejif-3269	109	12	least	least	ADJ
ejif-3269	109	13	openness	openness	NOUN
ejif-3269	109	14	to	to	ADP
ejif-3269	109	15	islamic	islamic	ADJ
ejif-3269	109	16	banking	banking	NOUN
ejif-3269	109	17	(	(	PUNCT
ejif-3269	109	18	to	to	PART
ejif-3269	109	19	prevent	prevent	VERB
ejif-3269	109	20	)	)	PUNCT
ejif-3269	109	21	.	.	PUNCT
ejif-3269	110	1	second	second	ADV
ejif-3269	110	2	,	,	PUNCT
ejif-3269	110	3	identifying	identify	VERB
ejif-3269	110	4	sectors	sector	NOUN
ejif-3269	110	5	that	that	PRON
ejif-3269	110	6	are	be	AUX
ejif-3269	110	7	not	not	PART
ejif-3269	110	8	fully	fully	ADV
ejif-3269	110	9	compliant	compliant	ADJ
ejif-3269	110	10	with	with	ADP
ejif-3269	110	11	religious	religious	ADJ
ejif-3269	110	12	law	law	NOUN
ejif-3269	110	13	(	(	PUNCT
ejif-3269	110	14	to	to	PART
ejif-3269	110	15	understand	understand	VERB
ejif-3269	110	16	the	the	DET
ejif-3269	110	17	shortcomings	shortcoming	NOUN
ejif-3269	110	18	)	)	PUNCT
ejif-3269	110	19	and	and	CCONJ
ejif-3269	110	20	third	third	ADV
ejif-3269	110	21	,	,	PUNCT
ejif-3269	110	22	identify	identify	VERB
ejif-3269	110	23	the	the	DET
ejif-3269	110	24	sectors	sector	NOUN
ejif-3269	110	25	open	open	ADJ
ejif-3269	110	26	to	to	ADP
ejif-3269	110	27	ethical	ethical	ADJ
ejif-3269	110	28	banking	banking	NOUN
ejif-3269	110	29	(	(	PUNCT
ejif-3269	110	30	to	to	PART
ejif-3269	110	31	reach	reach	VERB
ejif-3269	110	32	muslim	muslim	ADJ
ejif-3269	110	33	and	and	CCONJ
ejif-3269	110	34	non	non	ADJ
ejif-3269	110	35	-	-	ADJ
ejif-3269	110	36	muslim	muslim	ADJ
ejif-3269	110	37	audiences	audience	NOUN
ejif-3269	110	38	[	[	X
ejif-3269	110	39	17	17	NUM
ejif-3269	110	40	]	]	PUNCT
ejif-3269	110	41	.	.	PUNCT
ejif-3269	111	1	v.	v.	ADP
ejif-3269	111	2	increasing	increase	VERB
ejif-3269	111	3	competition	competition	NOUN
ejif-3269	111	4	and	and	CCONJ
ejif-3269	111	5	the	the	DET
ejif-3269	111	6	need	need	NOUN
ejif-3269	111	7	for	for	ADP
ejif-3269	111	8	customer	customer	NOUN
ejif-3269	111	9	-	-	PUNCT
ejif-3269	111	10	centric	centric	NOUN
ejif-3269	111	11	approaches	approach	NOUN
ejif-3269	111	12	in	in	ADP
ejif-3269	111	13	islamic	islamic	ADJ
ejif-3269	111	14	banks	bank	NOUN
ejif-3269	111	15	the	the	DET
ejif-3269	111	16	attraction	attraction	NOUN
ejif-3269	111	17	of	of	ADP
ejif-3269	111	18	these	these	DET
ejif-3269	111	19	customers	customer	NOUN
ejif-3269	111	20	’	'	PUNCT
ejif-3269	111	21	needs	need	VERB
ejif-3269	111	22	to	to	PART
ejif-3269	111	23	satisfy	satisfy	VERB
ejif-3269	111	24	a	a	DET
ejif-3269	111	25	wider	wide	ADJ
ejif-3269	111	26	range	range	NOUN
ejif-3269	111	27	of	of	ADP
ejif-3269	111	28	customer	customer	NOUN
ejif-3269	111	29	needs	need	NOUN
ejif-3269	111	30	and	and	CCONJ
ejif-3269	111	31	,	,	PUNCT
ejif-3269	111	32	therefore	therefore	ADV
ejif-3269	111	33	,	,	PUNCT
ejif-3269	111	34	due	due	ADP
ejif-3269	111	35	to	to	ADP
ejif-3269	111	36	the	the	DET
ejif-3269	111	37	ease	ease	NOUN
ejif-3269	111	38	of	of	ADP
ejif-3269	111	39	use	use	NOUN
ejif-3269	111	40	and	and	CCONJ
ejif-3269	111	41	reasonable	reasonable	ADJ
ejif-3269	111	42	prices	price	NOUN
ejif-3269	111	43	compared	compare	VERB
ejif-3269	111	44	to	to	ADP
ejif-3269	111	45	conventional	conventional	ADJ
ejif-3269	111	46	banks	bank	NOUN
ejif-3269	111	47	.	.	PUNCT
ejif-3269	112	1	to	to	PART
ejif-3269	112	2	achieve	achieve	VERB
ejif-3269	112	3	this	this	DET
ejif-3269	112	4	goal	goal	NOUN
ejif-3269	112	5	,	,	PUNCT
ejif-3269	112	6	product	product	NOUN
ejif-3269	112	7	innovation	innovation	NOUN
ejif-3269	112	8	in	in	ADP
ejif-3269	112	9	the	the	DET
ejif-3269	112	10	form	form	NOUN
ejif-3269	112	11	of	of	ADP
ejif-3269	112	12	expanding	expand	VERB
ejif-3269	112	13	services	service	NOUN
ejif-3269	112	14	using	use	VERB
ejif-3269	112	15	existing	exist	VERB
ejif-3269	112	16	islamic	islamic	ADJ
ejif-3269	112	17	structures	structure	NOUN
ejif-3269	112	18	and	and	CCONJ
ejif-3269	112	19	the	the	DET
ejif-3269	112	20	design	design	NOUN
ejif-3269	112	21	of	of	ADP
ejif-3269	112	22	new	new	ADJ
ejif-3269	112	23	islamic	islamic	ADJ
ejif-3269	112	24	structures	structure	NOUN
ejif-3269	112	25	has	have	VERB
ejif-3269	112	26	a	a	DET
ejif-3269	112	27	special	special	ADJ
ejif-3269	112	28	priority	priority	NOUN
ejif-3269	112	29	[	[	X
ejif-3269	112	30	22	22	NUM
ejif-3269	112	31	]	]	PUNCT
ejif-3269	112	32	.	.	PUNCT
ejif-3269	113	1	financial	financial	ADJ
ejif-3269	113	2	services	service	NOUN
ejif-3269	113	3	and	and	CCONJ
ejif-3269	113	4	products	product	NOUN
ejif-3269	113	5	for	for	ADP
ejif-3269	113	6	small	small	ADJ
ejif-3269	113	7	and	and	CCONJ
ejif-3269	113	8	medium	medium	ADJ
ejif-3269	113	9	-	-	PUNCT
ejif-3269	113	10	sized	sized	ADJ
ejif-3269	113	11	enterprises	enterprise	NOUN
ejif-3269	113	12	appear	appear	VERB
ejif-3269	113	13	in	in	ADP
ejif-3269	113	14	emerging	emerge	VERB
ejif-3269	113	15	islamic	islamic	ADJ
ejif-3269	113	16	banking	banking	NOUN
ejif-3269	113	17	and	and	CCONJ
ejif-3269	113	18	moral	moral	ADJ
ejif-3269	113	19	banking	banking	NOUN
ejif-3269	113	20	products	product	NOUN
ejif-3269	113	21	,	,	PUNCT
ejif-3269	113	22	investment	investment	NOUN
ejif-3269	113	23	in	in	ADP
ejif-3269	113	24	sustainable	sustainable	ADJ
ejif-3269	113	25	energy	energy	NOUN
ejif-3269	113	26	,	,	PUNCT
ejif-3269	113	27	are	be	AUX
ejif-3269	113	28	an	an	DET
ejif-3269	113	29	opportunity	opportunity	NOUN
ejif-3269	113	30	to	to	PART
ejif-3269	113	31	expand	expand	VERB
ejif-3269	113	32	the	the	DET
ejif-3269	113	33	range	range	NOUN
ejif-3269	113	34	of	of	ADP
ejif-3269	113	35	services	service	NOUN
ejif-3269	113	36	provided	provide	VERB
ejif-3269	113	37	.	.	PUNCT
ejif-3269	114	1	the	the	DET
ejif-3269	114	2	structures	structure	NOUN
ejif-3269	114	3	of	of	ADP
ejif-3269	114	4	new	new	ADJ
ejif-3269	114	5	islamic	islamic	ADJ
ejif-3269	114	6	banking	banking	NOUN
ejif-3269	114	7	products	product	NOUN
ejif-3269	114	8	do	do	AUX
ejif-3269	114	9	not	not	PART
ejif-3269	114	10	easily	easily	ADV
ejif-3269	114	11	fit	fit	VERB
ejif-3269	114	12	with	with	ADP
ejif-3269	114	13	religious	religious	ADJ
ejif-3269	114	14	rules	rule	NOUN
ejif-3269	114	15	.	.	PUNCT
ejif-3269	115	1	these	these	PRON
ejif-3269	115	2	include	include	VERB
ejif-3269	115	3	covert	covert	ADJ
ejif-3269	115	4	funds	fund	NOUN
ejif-3269	115	5	(	(	PUNCT
ejif-3269	115	6	a	a	DET
ejif-3269	115	7	speciality	speciality	NOUN
ejif-3269	115	8	of	of	ADP
ejif-3269	115	9	alternative	alternative	ADJ
ejif-3269	115	10	assets	asset	NOUN
ejif-3269	115	11	for	for	ADP
ejif-3269	115	12	individuals	individual	NOUN
ejif-3269	115	13	with	with	ADP
ejif-3269	115	14	a	a	DET
ejif-3269	115	15	net	net	ADJ
ejif-3269	115	16	asset	asset	NOUN
ejif-3269	115	17	value	value	NOUN
ejif-3269	115	18	and	and	CCONJ
ejif-3269	115	19	derivative	derivative	ADJ
ejif-3269	115	20	instruments	instrument	NOUN
ejif-3269	115	21	for	for	ADP
ejif-3269	115	22	corporate	corporate	ADJ
ejif-3269	115	23	and	and	CCONJ
ejif-3269	115	24	institutional	institutional	ADJ
ejif-3269	115	25	customers	customer	NOUN
ejif-3269	115	26	.	.	PUNCT
ejif-3269	116	1	although	although	SCONJ
ejif-3269	116	2	some	some	DET
ejif-3269	116	3	islamic	islamic	ADJ
ejif-3269	116	4	banks	bank	NOUN
ejif-3269	116	5	provide	provide	VERB
ejif-3269	116	6	islamic	islamic	ADJ
ejif-3269	116	7	derivative	derivative	ADJ
ejif-3269	116	8	instruments	instrument	NOUN
ejif-3269	116	9	,	,	PUNCT
ejif-3269	116	10	such	such	ADJ
ejif-3269	116	11	tools	tool	NOUN
ejif-3269	116	12	,	,	PUNCT
ejif-3269	116	13	in	in	ADP
ejif-3269	116	14	general	general	ADJ
ejif-3269	116	15	,	,	PUNCT
ejif-3269	116	16	they	they	PRON
ejif-3269	116	17	are	be	AUX
ejif-3269	116	18	not	not	PART
ejif-3269	116	19	accepted	accept	VERB
ejif-3269	116	20	as	as	ADP
ejif-3269	116	21	products	product	NOUN
ejif-3269	116	22	based	base	VERB
ejif-3269	116	23	on	on	ADP
ejif-3269	116	24	religious	religious	ADJ
ejif-3269	116	25	law	law	NOUN
ejif-3269	116	26	[	[	X
ejif-3269	116	27	12	12	NUM
ejif-3269	116	28	]	]	PUNCT
ejif-3269	116	29	.	.	PUNCT
ejif-3269	117	1	islamic	islamic	ADJ
ejif-3269	117	2	banks	bank	NOUN
ejif-3269	117	3	are	be	AUX
ejif-3269	117	4	usually	usually	ADV
ejif-3269	117	5	at	at	ADP
ejif-3269	117	6	a	a	DET
ejif-3269	117	7	disadvantage	disadvantage	NOUN
ejif-3269	117	8	in	in	ADP
ejif-3269	117	9	competing	compete	VERB
ejif-3269	117	10	with	with	ADP
ejif-3269	117	11	their	their	PRON
ejif-3269	117	12	conventional	conventional	ADJ
ejif-3269	117	13	counterparts	counterpart	NOUN
ejif-3269	117	14	because	because	SCONJ
ejif-3269	117	15	they	they	PRON
ejif-3269	117	16	usually	usually	ADV
ejif-3269	117	17	have	have	VERB
ejif-3269	117	18	smaller	small	ADJ
ejif-3269	117	19	sizes	size	NOUN
ejif-3269	117	20	(	(	PUNCT
ejif-3269	117	21	figure	figure	NOUN
ejif-3269	117	22	4	4	NUM
ejif-3269	117	23	)	)	PUNCT
ejif-3269	117	24	.	.	PUNCT
ejif-3269	118	1	for	for	ADP
ejif-3269	118	2	example	example	NOUN
ejif-3269	118	3	,	,	PUNCT
ejif-3269	118	4	in	in	ADP
ejif-3269	118	5	microfinance	microfinance	NOUN
ejif-3269	118	6	,	,	PUNCT
ejif-3269	118	7	the	the	DET
ejif-3269	118	8	extent	extent	NOUN
ejif-3269	118	9	and	and	CCONJ
ejif-3269	118	10	scope	scope	NOUN
ejif-3269	118	11	of	of	ADP
ejif-3269	118	12	the	the	DET
ejif-3269	118	13	network	network	NOUN
ejif-3269	118	14	are	be	AUX
ejif-3269	118	15	more	more	ADV
ejif-3269	118	16	dramatic	dramatic	ADJ
ejif-3269	118	17	[	[	X
ejif-3269	118	18	20	20	NUM
ejif-3269	118	19	]	]	PUNCT
ejif-3269	118	20	.	.	PUNCT
ejif-3269	119	1	to	to	PART
ejif-3269	119	2	compete	compete	VERB
ejif-3269	119	3	successful	successful	ADJ
ejif-3269	119	4	,	,	PUNCT
ejif-3269	119	5	focusing	focus	VERB
ejif-3269	119	6	on	on	ADP
ejif-3269	119	7	two	two	NUM
ejif-3269	119	8	areas	area	NOUN
ejif-3269	119	9	is	be	AUX
ejif-3269	119	10	essential	essential	ADJ
ejif-3269	119	11	.	.	PUNCT
ejif-3269	120	1	first	first	ADV
ejif-3269	120	2	,	,	PUNCT
ejif-3269	120	3	islamic	islamic	ADJ
ejif-3269	120	4	banks	bank	NOUN
ejif-3269	120	5	should	should	AUX
ejif-3269	120	6	pay	pay	VERB
ejif-3269	120	7	attention	attention	NOUN
ejif-3269	120	8	to	to	ADP
ejif-3269	120	9	using	use	VERB
ejif-3269	120	10	alternative	alternative	ADJ
ejif-3269	120	11	ways	way	NOUN
ejif-3269	120	12	likewise	likewise	ADV
ejif-3269	120	13	,	,	PUNCT
ejif-3269	120	14	internet	internet	NOUN
ejif-3269	120	15	banking	banking	NOUN
ejif-3269	120	16	and	and	CCONJ
ejif-3269	120	17	mobile	mobile	NOUN
ejif-3269	120	18	banking	banking	NOUN
ejif-3269	120	19	to	to	ADP
ejif-3269	120	20	attainment	attainment	ADJ
ejif-3269	120	21	market	market	NOUN
ejif-3269	120	22	contribution	contribution	NOUN
ejif-3269	120	23	.	.	PUNCT
ejif-3269	121	1	applying	apply	VERB
ejif-3269	121	2	these	these	PRON
ejif-3269	121	3	as	as	ADP
ejif-3269	121	4	a	a	DET
ejif-3269	121	5	sales	sale	NOUN
ejif-3269	121	6	channel	channel	NOUN
ejif-3269	121	7	is	be	AUX
ejif-3269	121	8	superior	superior	ADJ
ejif-3269	121	9	to	to	ADP
ejif-3269	121	10	focusing	focus	VERB
ejif-3269	121	11	on	on	ADP
ejif-3269	121	12	services	service	NOUN
ejif-3269	121	13	that	that	PRON
ejif-3269	121	14	are	be	AUX
ejif-3269	121	15	already	already	ADV
ejif-3269	121	16	customary	customary	ADJ
ejif-3269	121	17	.	.	PUNCT
ejif-3269	122	1	second	second	ADV
ejif-3269	122	2	,	,	PUNCT
ejif-3269	122	3	the	the	DET
ejif-3269	122	4	use	use	NOUN
ejif-3269	122	5	of	of	ADP
ejif-3269	122	6	ejif	ejif	PROPN
ejif-3269	122	7	–	–	PUNCT
ejif-3269	122	8	european	european	PROPN
ejif-3269	122	9	journal	journal	PROPN
ejif-3269	122	10	of	of	ADP
ejif-3269	122	11	islamic	islamic	PROPN
ejif-3269	122	12	finance	finance	PROPN
ejif-3269	122	13	no	no	DET
ejif-3269	122	14	12	12	NUM
ejif-3269	122	15	,	,	PUNCT
ejif-3269	122	16	april	april	PROPN
ejif-3269	122	17	(	(	PUNCT
ejif-3269	122	18	2019	2019	NUM
ejif-3269	122	19	)	)	PUNCT
ejif-3269	123	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	123	2	issn	issn	VERB
ejif-3269	123	3	2421	2421	NUM
ejif-3269	123	4	-	-	SYM
ejif-3269	123	5	2172	2172	NUM
ejif-3269	123	6	5	5	NUM
ejif-3269	123	7	different	different	ADJ
ejif-3269	123	8	branch	branch	NOUN
ejif-3269	123	9	patterns	pattern	NOUN
ejif-3269	123	10	should	should	AUX
ejif-3269	123	11	be	be	AUX
ejif-3269	123	12	investigated	investigate	VERB
ejif-3269	123	13	according	accord	VERB
ejif-3269	123	14	to	to	ADP
ejif-3269	123	15	the	the	DET
ejif-3269	123	16	needs	need	NOUN
ejif-3269	123	17	of	of	ADP
ejif-3269	123	18	target	target	NOUN
ejif-3269	123	19	customers	customer	NOUN
ejif-3269	123	20	.	.	PUNCT
ejif-3269	124	1	these	these	DET
ejif-3269	124	2	patterns	pattern	NOUN
ejif-3269	124	3	include	include	VERB
ejif-3269	124	4	a	a	DET
ejif-3269	124	5	range	range	NOUN
ejif-3269	124	6	of	of	ADP
ejif-3269	124	7	service	service	NOUN
ejif-3269	124	8	delivery	delivery	NOUN
ejif-3269	124	9	,	,	PUNCT
ejif-3269	124	10	focusing	focus	VERB
ejif-3269	124	11	on	on	ADP
ejif-3269	124	12	a	a	DET
ejif-3269	124	13	wider	wide	ADJ
ejif-3269	124	14	range	range	NOUN
ejif-3269	124	15	of	of	ADP
ejif-3269	124	16	customers	customer	NOUN
ejif-3269	124	17	,	,	PUNCT
ejif-3269	124	18	to	to	PART
ejif-3269	124	19	complete	complete	VERB
ejif-3269	124	20	branches	branch	NOUN
ejif-3269	124	21	that	that	PRON
ejif-3269	124	22	cover	cover	VERB
ejif-3269	124	23	all	all	DET
ejif-3269	124	24	customer	customer	NOUN
ejif-3269	124	25	segments	segment	NOUN
ejif-3269	124	26	.	.	PUNCT
ejif-3269	125	1	alternative	alternative	ADJ
ejif-3269	125	2	subsurface	subsurface	NOUN
ejif-3269	125	3	patterns	pattern	NOUN
ejif-3269	125	4	have	have	VERB
ejif-3269	125	5	other	other	ADJ
ejif-3269	125	6	advantages	advantage	NOUN
ejif-3269	125	7	,	,	PUNCT
ejif-3269	125	8	which	which	PRON
ejif-3269	125	9	include	include	VERB
ejif-3269	125	10	reducing	reduce	VERB
ejif-3269	125	11	investment	investment	NOUN
ejif-3269	125	12	costs	cost	NOUN
ejif-3269	125	13	,	,	PUNCT
ejif-3269	125	14	operating	operating	NOUN
ejif-3269	125	15	costs	cost	NOUN
ejif-3269	125	16	,	,	PUNCT
ejif-3269	125	17	and	and	CCONJ
ejif-3269	125	18	deployment	deployment	NOUN
ejif-3269	125	19	times	time	NOUN
ejif-3269	125	20	and	and	CCONJ
ejif-3269	125	21	,	,	PUNCT
ejif-3269	125	22	if	if	SCONJ
ejif-3269	125	23	combined	combine	VERB
ejif-3269	125	24	with	with	ADP
ejif-3269	125	25	alternatives	alternative	NOUN
ejif-3269	125	26	,	,	PUNCT
ejif-3269	125	27	will	will	AUX
ejif-3269	125	28	be	be	AUX
ejif-3269	125	29	very	very	ADV
ejif-3269	125	30	powerful	powerful	ADJ
ejif-3269	125	31	.	.	PUNCT
ejif-3269	126	1	a	a	DET
ejif-3269	126	2	new	new	ADJ
ejif-3269	126	3	and	and	CCONJ
ejif-3269	126	4	customer	customer	NOUN
ejif-3269	126	5	-	-	PUNCT
ejif-3269	126	6	focused	focus	VERB
ejif-3269	126	7	illustration	illustration	NOUN
ejif-3269	126	8	that	that	PRON
ejif-3269	126	9	emphasizes	emphasize	VERB
ejif-3269	126	10	ethical	ethical	ADJ
ejif-3269	126	11	and	and	CCONJ
ejif-3269	126	12	social	social	ADJ
ejif-3269	126	13	values	value	NOUN
ejif-3269	126	14	or	or	CCONJ
ejif-3269	126	15	environmental	environmental	ADJ
ejif-3269	126	16	efforts	effort	NOUN
ejif-3269	126	17	will	will	AUX
ejif-3269	126	18	reach	reach	VERB
ejif-3269	126	19	the	the	DET
ejif-3269	126	20	largest	large	ADJ
ejif-3269	126	21	collection	collection	NOUN
ejif-3269	126	22	of	of	ADP
ejif-3269	126	23	muslim	muslim	ADJ
ejif-3269	126	24	and	and	CCONJ
ejif-3269	126	25	non	non	ADJ
ejif-3269	126	26	-	-	ADJ
ejif-3269	126	27	muslim	muslim	ADJ
ejif-3269	126	28	audiences	audience	NOUN
ejif-3269	126	29	[	[	X
ejif-3269	126	30	23	23	NUM
ejif-3269	126	31	]	]	PUNCT
ejif-3269	126	32	.	.	PUNCT
ejif-3269	127	1	therefore	therefore	ADV
ejif-3269	127	2	,	,	PUNCT
ejif-3269	127	3	training	training	NOUN
ejif-3269	127	4	programs	program	NOUN
ejif-3269	127	5	on	on	ADP
ejif-3269	127	6	islamic	islamic	ADJ
ejif-3269	127	7	banking	banking	NOUN
ejif-3269	127	8	products	product	NOUN
ejif-3269	127	9	and	and	CCONJ
ejif-3269	127	10	structures	structure	NOUN
ejif-3269	127	11	are	be	AUX
ejif-3269	127	12	also	also	ADV
ejif-3269	127	13	needed	need	VERB
ejif-3269	127	14	.	.	PUNCT
ejif-3269	128	1	when	when	SCONJ
ejif-3269	128	2	facing	face	VERB
ejif-3269	128	3	with	with	ADP
ejif-3269	128	4	the	the	DET
ejif-3269	128	5	conventional	conventional	ADJ
ejif-3269	128	6	banks	bank	NOUN
ejif-3269	128	7	,	,	PUNCT
ejif-3269	128	8	the	the	DET
ejif-3269	128	9	first	first	ADJ
ejif-3269	128	10	step	step	NOUN
ejif-3269	128	11	before	before	SCONJ
ejif-3269	128	12	the	the	DET
ejif-3269	128	13	international	international	ADJ
ejif-3269	128	14	expansion	expansion	NOUN
ejif-3269	128	15	is	be	AUX
ejif-3269	128	16	to	to	PART
ejif-3269	128	17	build	build	VERB
ejif-3269	128	18	a	a	DET
ejif-3269	128	19	strong	strong	ADJ
ejif-3269	128	20	domestic	domestic	ADJ
ejif-3269	128	21	foundation	foundation	NOUN
ejif-3269	128	22	.	.	PUNCT
ejif-3269	129	1	integration	integration	NOUN
ejif-3269	129	2	and	and	CCONJ
ejif-3269	129	3	ownership	ownership	NOUN
ejif-3269	129	4	provide	provide	VERB
ejif-3269	129	5	intriguing	intriguing	ADJ
ejif-3269	129	6	opportunities	opportunity	NOUN
ejif-3269	129	7	for	for	ADP
ejif-3269	129	8	achieving	achieve	VERB
ejif-3269	129	9	synergies	synergy	NOUN
ejif-3269	129	10	related	relate	VERB
ejif-3269	129	11	to	to	PART
ejif-3269	129	12	scale	scale	VERB
ejif-3269	129	13	from	from	ADP
ejif-3269	129	14	wider	wide	ADJ
ejif-3269	129	15	operations	operation	NOUN
ejif-3269	129	16	.	.	PUNCT
ejif-3269	130	1	[	[	X
ejif-3269	130	2	24	24	NUM
ejif-3269	130	3	]	]	X
ejif-3269	130	4	strategic	strategic	ADJ
ejif-3269	130	5	integration	integration	NOUN
ejif-3269	130	6	and	and	CCONJ
ejif-3269	130	7	ownership	ownership	NOUN
ejif-3269	130	8	of	of	ADP
ejif-3269	130	9	islamic	islamic	ADJ
ejif-3269	130	10	banks	bank	NOUN
ejif-3269	130	11	allows	allow	VERB
ejif-3269	130	12	the	the	DET
ejif-3269	130	13	expansion	expansion	NOUN
ejif-3269	130	14	of	of	ADP
ejif-3269	130	15	their	their	PRON
ejif-3269	130	16	branch	branch	NOUN
ejif-3269	130	17	networks	network	NOUN
ejif-3269	130	18	,	,	PUNCT
ejif-3269	130	19	the	the	DET
ejif-3269	130	20	exploitation	exploitation	NOUN
ejif-3269	130	21	of	of	ADP
ejif-3269	130	22	synergies	synergy	NOUN
ejif-3269	130	23	operational	operational	ADJ
ejif-3269	130	24	and	and	CCONJ
ejif-3269	130	25	financial	financial	ADJ
ejif-3269	130	26	penetration	penetration	NOUN
ejif-3269	130	27	is	be	AUX
ejif-3269	130	28	more	more	ADV
ejif-3269	130	29	effective	effective	ADJ
ejif-3269	130	30	than	than	ADP
ejif-3269	130	31	conventional	conventional	ADJ
ejif-3269	130	32	banks[10	banks[10	NOUN
ejif-3269	130	33	]	]	PUNCT
ejif-3269	130	34	.	.	PUNCT
ejif-3269	131	1	figure	figure	NOUN
ejif-3269	131	2	4	4	NUM
ejif-3269	131	3	.	.	PUNCT
ejif-3269	132	1	the	the	DET
ejif-3269	132	2	size	size	NOUN
ejif-3269	132	3	of	of	ADP
ejif-3269	132	4	conventional	conventional	ADJ
ejif-3269	132	5	banks	bank	NOUN
ejif-3269	132	6	compared	compare	VERB
ejif-3269	132	7	to	to	ADP
ejif-3269	132	8	islamic	islamic	ADJ
ejif-3269	132	9	sources	source	NOUN
ejif-3269	132	10	:	:	PUNCT
ejif-3269	132	11	central	central	ADJ
ejif-3269	132	12	banks	bank	NOUN
ejif-3269	132	13	,	,	PUNCT
ejif-3269	132	14	ey	ey	PRON
ejif-3269	132	15	analysis	analysis	NOUN
ejif-3269	132	16	(	(	PUNCT
ejif-3269	132	17	2018	2018	NUM
ejif-3269	132	18	)	)	PUNCT
ejif-3269	132	19	vi	vi	NOUN
ejif-3269	132	20	.	.	PUNCT
ejif-3269	133	1	derivatives	derivative	NOUN
ejif-3269	133	2	islamic	islamic	ADJ
ejif-3269	133	3	instruments	instrument	NOUN
ejif-3269	133	4	combination	combination	NOUN
ejif-3269	133	5	tools	tool	NOUN
ejif-3269	133	6	are	be	AUX
ejif-3269	133	7	very	very	ADV
ejif-3269	133	8	common	common	ADJ
ejif-3269	133	9	in	in	ADP
ejif-3269	133	10	islamic	islamic	ADJ
ejif-3269	133	11	banking	banking	NOUN
ejif-3269	133	12	.	.	PUNCT
ejif-3269	134	1	some	some	DET
ejif-3269	134	2	experts	expert	NOUN
ejif-3269	134	3	in	in	ADP
ejif-3269	134	4	the	the	DET
ejif-3269	134	5	islamic	islamic	ADJ
ejif-3269	134	6	banking	banking	NOUN
ejif-3269	134	7	industry	industry	NOUN
ejif-3269	134	8	condemn	condemn	VERB
ejif-3269	134	9	these	these	DET
ejif-3269	134	10	tools	tool	NOUN
ejif-3269	134	11	because	because	SCONJ
ejif-3269	134	12	they	they	PRON
ejif-3269	134	13	consider	consider	VERB
ejif-3269	134	14	these	these	DET
ejif-3269	134	15	tools	tool	NOUN
ejif-3269	134	16	to	to	PART
ejif-3269	134	17	be	be	AUX
ejif-3269	134	18	incompatible	incompatible	ADJ
ejif-3269	134	19	with	with	ADP
ejif-3269	134	20	religious	religious	ADJ
ejif-3269	134	21	principles	principle	NOUN
ejif-3269	134	22	[	[	X
ejif-3269	134	23	25	25	NUM
ejif-3269	134	24	]	]	PUNCT
ejif-3269	134	25	.	.	PUNCT
ejif-3269	135	1	they	they	PRON
ejif-3269	135	2	believe	believe	VERB
ejif-3269	135	3	that	that	SCONJ
ejif-3269	135	4	a	a	DET
ejif-3269	135	5	delay	delay	NOUN
ejif-3269	135	6	in	in	ADP
ejif-3269	135	7	bilateral	bilateral	ADJ
ejif-3269	135	8	commitments	commitment	NOUN
ejif-3269	135	9	to	to	ADP
ejif-3269	135	10	future	future	ADJ
ejif-3269	135	11	time	time	NOUN
ejif-3269	135	12	is	be	AUX
ejif-3269	135	13	implied	imply	VERB
ejif-3269	135	14	in	in	ADP
ejif-3269	135	15	the	the	DET
ejif-3269	135	16	debt	debt	NOUN
ejif-3269	135	17	swap	swap	NOUN
ejif-3269	135	18	ruling	ruling	NOUN
ejif-3269	135	19	without	without	ADP
ejif-3269	135	20	the	the	DET
ejif-3269	135	21	transfer	transfer	NOUN
ejif-3269	135	22	of	of	ADP
ejif-3269	135	23	an	an	DET
ejif-3269	135	24	initial	initial	ADJ
ejif-3269	135	25	asset	asset	NOUN
ejif-3269	135	26	,	,	PUNCT
ejif-3269	135	27	which	which	PRON
ejif-3269	135	28	is	be	AUX
ejif-3269	135	29	considered	consider	VERB
ejif-3269	135	30	to	to	PART
ejif-3269	135	31	be	be	AUX
ejif-3269	135	32	the	the	DET
ejif-3269	135	33	probability	probability	NOUN
ejif-3269	135	34	of	of	ADP
ejif-3269	135	35	a	a	DET
ejif-3269	135	36	transaction	transaction	NOUN
ejif-3269	135	37	speculated	speculate	VERB
ejif-3269	135	38	.	.	PUNCT
ejif-3269	136	1	this	this	PRON
ejif-3269	136	2	is	be	AUX
ejif-3269	136	3	the	the	DET
ejif-3269	136	4	most	most	ADV
ejif-3269	136	5	important	important	ADJ
ejif-3269	136	6	reason	reason	NOUN
ejif-3269	136	7	for	for	ADP
ejif-3269	136	8	the	the	DET
ejif-3269	136	9	rejection	rejection	NOUN
ejif-3269	136	10	of	of	ADP
ejif-3269	136	11	derivatives	derivative	NOUN
ejif-3269	136	12	instruments	instrument	NOUN
ejif-3269	136	13	in	in	ADP
ejif-3269	136	14	the	the	DET
ejif-3269	136	15	muslim	muslim	ADJ
ejif-3269	136	16	world	world	NOUN
ejif-3269	136	17	,	,	PUNCT
ejif-3269	136	18	especially	especially	ADV
ejif-3269	136	19	the	the	DET
ejif-3269	136	20	gulf	gulf	PROPN
ejif-3269	136	21	states	state	NOUN
ejif-3269	136	22	.	.	PUNCT
ejif-3269	137	1	at	at	ADP
ejif-3269	137	2	the	the	DET
ejif-3269	137	3	same	same	ADJ
ejif-3269	137	4	time	time	NOUN
ejif-3269	137	5	,	,	PUNCT
ejif-3269	137	6	some	some	PRON
ejif-3269	137	7	of	of	ADP
ejif-3269	137	8	the	the	DET
ejif-3269	137	9	leaders	leader	NOUN
ejif-3269	137	10	of	of	ADP
ejif-3269	137	11	the	the	DET
ejif-3269	137	12	islamic	islamic	ADJ
ejif-3269	137	13	financial	financial	ADJ
ejif-3269	137	14	functions	function	NOUN
ejif-3269	137	15	industry	industry	NOUN
ejif-3269	137	16	need	need	VERB
ejif-3269	137	17	to	to	PART
ejif-3269	137	18	understand	understand	VERB
ejif-3269	137	19	the	the	DET
ejif-3269	137	20	need	need	NOUN
ejif-3269	137	21	to	to	PART
ejif-3269	137	22	manage	manage	VERB
ejif-3269	137	23	the	the	DET
ejif-3269	137	24	potential	potential	ADJ
ejif-3269	137	25	risks	risk	NOUN
ejif-3269	137	26	and	and	CCONJ
ejif-3269	137	27	potential	potential	ADJ
ejif-3269	137	28	benefits	benefit	NOUN
ejif-3269	137	29	of	of	ADP
ejif-3269	137	30	their	their	PRON
ejif-3269	137	31	tools	tool	NOUN
ejif-3269	137	32	to	to	PART
ejif-3269	137	33	cover	cover	VERB
ejif-3269	137	34	.	.	PUNCT
ejif-3269	138	1	for	for	ADP
ejif-3269	138	2	example	example	NOUN
ejif-3269	138	3	,	,	PUNCT
ejif-3269	138	4	the	the	DET
ejif-3269	138	5	central	central	ADJ
ejif-3269	138	6	bank	bank	NOUN
ejif-3269	138	7	of	of	ADP
ejif-3269	138	8	malaysia	malaysia	PROPN
ejif-3269	138	9	(	(	PUNCT
ejif-3269	138	10	negara	negara	PROPN
ejif-3269	138	11	)	)	PUNCT
ejif-3269	138	12	,	,	PUNCT
ejif-3269	138	13	which	which	PRON
ejif-3269	138	14	has	have	AUX
ejif-3269	138	15	always	always	ADV
ejif-3269	138	16	been	be	AUX
ejif-3269	138	17	the	the	DET
ejif-3269	138	18	defendant	defendant	NOUN
ejif-3269	138	19	of	of	ADP
ejif-3269	138	20	mentioning	mention	VERB
ejif-3269	138	21	and	and	CCONJ
ejif-3269	138	22	providing	provide	VERB
ejif-3269	138	23	derivative	derivative	ADJ
ejif-3269	138	24	instruments	instrument	NOUN
ejif-3269	138	25	in	in	ADP
ejif-3269	138	26	islamic	islamic	ADJ
ejif-3269	138	27	banking	banking	NOUN
ejif-3269	138	28	,	,	PUNCT
ejif-3269	138	29	assigns	assign	VERB
ejif-3269	138	30	that	that	SCONJ
ejif-3269	138	31	with	with	ADP
ejif-3269	138	32	the	the	DET
ejif-3269	138	33	juridical	juridical	ADJ
ejif-3269	138	34	,	,	PUNCT
ejif-3269	138	35	regulatory	regulatory	ADJ
ejif-3269	138	36	and	and	CCONJ
ejif-3269	138	37	corporate	corporate	ADJ
ejif-3269	138	38	governance	governance	NOUN
ejif-3269	138	39	framework	framework	NOUN
ejif-3269	138	40	,	,	PUNCT
ejif-3269	138	41	the	the	DET
ejif-3269	138	42	islamic	islamic	ADJ
ejif-3269	138	43	finance	finance	NOUN
ejif-3269	138	44	system	system	NOUN
ejif-3269	138	45	can	can	AUX
ejif-3269	138	46	be	be	AUX
ejif-3269	138	47	reclaim	reclaim	VERB
ejif-3269	138	48	and	and	CCONJ
ejif-3269	138	49	expanded[26	expanded[26	NOUN
ejif-3269	138	50	]	]	X
ejif-3269	138	51	.	.	PUNCT
ejif-3269	139	1	the	the	DET
ejif-3269	139	2	bank	bank	NOUN
ejif-3269	139	3	presented	present	VERB
ejif-3269	139	4	the	the	DET
ejif-3269	139	5	first	first	ADJ
ejif-3269	139	6	islamic	islamic	PROPN
ejif-3269	139	7	international	international	PROPN
ejif-3269	139	8	instrument	instrument	PROPN
ejif-3269	139	9	settlement	settlement	NOUN
ejif-3269	139	10	to	to	PART
ejif-3269	139	11	document	document	VERB
ejif-3269	139	12	islamic	islamic	ADJ
ejif-3269	139	13	transactions	transaction	NOUN
ejif-3269	139	14	in	in	ADP
ejif-3269	139	15	2007	2007	NUM
ejif-3269	139	16	.	.	PUNCT
ejif-3269	140	1	the	the	DET
ejif-3269	140	2	malaysian	malaysian	PROPN
ejif-3269	140	3	bank	bank	PROPN
ejif-3269	140	4	also	also	ADV
ejif-3269	140	5	introduced	introduce	VERB
ejif-3269	140	6	the	the	DET
ejif-3269	140	7	first	first	ADJ
ejif-3269	140	8	islamic	islamic	ADJ
ejif-3269	140	9	-	-	PUNCT
ejif-3269	140	10	derived	derive	VERB
ejif-3269	140	11	yield	yield	NOUN
ejif-3269	140	12	in	in	ADP
ejif-3269	140	13	2005	2005	NUM
ejif-3269	140	14	(	(	PUNCT
ejif-3269	140	15	the	the	DET
ejif-3269	140	16	exchange	exchange	NOUN
ejif-3269	140	17	rate	rate	NOUN
ejif-3269	140	18	for	for	ADP
ejif-3269	140	19	islamic	islamic	ADJ
ejif-3269	140	20	interest	interest	NOUN
ejif-3269	140	21	)	)	PUNCT
ejif-3269	140	22	.	.	PUNCT
ejif-3269	141	1	another	another	DET
ejif-3269	141	2	milestone	milestone	NOUN
ejif-3269	141	3	is	be	AUX
ejif-3269	141	4	for	for	ADP
ejif-3269	141	5	tahawwat	tahawwat	ADJ
ejif-3269	141	6	's	's	PART
ejif-3269	141	7	islamic	islamic	ADJ
ejif-3269	141	8	derivative	derivative	ADJ
ejif-3269	141	9	instruments	instrument	NOUN
ejif-3269	141	10	,	,	PUNCT
ejif-3269	141	11	which	which	PRON
ejif-3269	141	12	were	be	AUX
ejif-3269	141	13	presented	present	VERB
ejif-3269	141	14	by	by	ADP
ejif-3269	141	15	the	the	DET
ejif-3269	141	16	islamic	islamic	PROPN
ejif-3269	141	17	international	international	ADJ
ejif-3269	141	18	financial	financial	ADJ
ejif-3269	141	19	market	market	NOUN
ejif-3269	141	20	in	in	ADP
ejif-3269	141	21	2010	2010	NUM
ejif-3269	141	22	(	(	PUNCT
ejif-3269	141	23	a	a	DET
ejif-3269	141	24	bahraini	bahraini	NOUN
ejif-3269	141	25	standardization	standardization	NOUN
ejif-3269	141	26	standard	standard	NOUN
ejif-3269	141	27	for	for	ADP
ejif-3269	141	28	islamic	islamic	ADJ
ejif-3269	141	29	money	money	NOUN
ejif-3269	141	30	and	and	CCONJ
ejif-3269	141	31	capital	capital	NOUN
ejif-3269	141	32	markets	market	NOUN
ejif-3269	141	33	and	and	CCONJ
ejif-3269	141	34	the	the	DET
ejif-3269	141	35	international	international	ADJ
ejif-3269	141	36	association	association	NOUN
ejif-3269	141	37	of	of	ADP
ejif-3269	141	38	swaps	swap	NOUN
ejif-3269	141	39	and	and	CCONJ
ejif-3269	141	40	derivatives	derivative	NOUN
ejif-3269	141	41	instruments	instrument	NOUN
ejif-3269	141	42	)	)	PUNCT
ejif-3269	142	1	[	[	X
ejif-3269	142	2	25	25	NUM
ejif-3269	142	3	]	]	PUNCT
ejif-3269	142	4	.	.	PUNCT
ejif-3269	143	1	contracts	contract	NOUN
ejif-3269	143	2	,	,	PUNCT
ejif-3269	143	3	including	include	VERB
ejif-3269	143	4	modaraba	modaraba	NOUN
ejif-3269	143	5	,	,	PUNCT
ejif-3269	143	6	mosavama	mosavama	NOUN
ejif-3269	143	7	,	,	PUNCT
ejif-3269	143	8	indicate	indicate	VERB
ejif-3269	143	9	which	which	PRON
ejif-3269	143	10	of	of	ADP
ejif-3269	143	11	the	the	DET
ejif-3269	143	12	parties	party	NOUN
ejif-3269	143	13	can	can	AUX
ejif-3269	143	14	obtain	obtain	VERB
ejif-3269	143	15	into	into	ADP
ejif-3269	143	16	risk	risk	NOUN
ejif-3269	143	17	management	management	NOUN
ejif-3269	143	18	adjustments	adjustment	NOUN
ejif-3269	143	19	for	for	ADP
ejif-3269	143	20	covert	covert	ADJ
ejif-3269	143	21	funds	fund	NOUN
ejif-3269	143	22	,	,	PUNCT
ejif-3269	143	23	standard	standard	ADJ
ejif-3269	143	24	anatomies	anatomy	NOUN
ejif-3269	143	25	and	and	CCONJ
ejif-3269	143	26	documentation[2	documentation[2	NOUN
ejif-3269	143	27	]	]	PUNCT
ejif-3269	143	28	.	.	PUNCT
ejif-3269	144	1	these	these	DET
ejif-3269	144	2	new	new	ADJ
ejif-3269	144	3	standards	standard	NOUN
ejif-3269	144	4	,	,	PUNCT
ejif-3269	144	5	if	if	SCONJ
ejif-3269	144	6	broadly	broadly	ADV
ejif-3269	144	7	accepted	accept	VERB
ejif-3269	144	8	,	,	PUNCT
ejif-3269	144	9	could	could	AUX
ejif-3269	144	10	strengthen	strengthen	VERB
ejif-3269	144	11	the	the	DET
ejif-3269	144	12	market	market	NOUN
ejif-3269	144	13	for	for	ADP
ejif-3269	144	14	islamic	islamic	ADJ
ejif-3269	144	15	derivative	derivative	NOUN
ejif-3269	144	16	.	.	PUNCT
ejif-3269	145	1	presently	presently	ADV
ejif-3269	145	2	,	,	PUNCT
ejif-3269	145	3	malaysian	malaysian	ADJ
ejif-3269	145	4	banks	bank	NOUN
ejif-3269	145	5	and	and	CCONJ
ejif-3269	145	6	main	main	ADJ
ejif-3269	145	7	international	international	ADJ
ejif-3269	145	8	banks	bank	NOUN
ejif-3269	145	9	present	present	VERB
ejif-3269	145	10	islamic	islamic	ADJ
ejif-3269	145	11	derivatives	derivative	NOUN
ejif-3269	145	12	.	.	PUNCT
ejif-3269	146	1	the	the	DET
ejif-3269	146	2	most	most	ADV
ejif-3269	146	3	comprehensive	comprehensive	ADJ
ejif-3269	146	4	of	of	ADP
ejif-3269	146	5	these	these	DET
ejif-3269	146	6	instruments	instrument	NOUN
ejif-3269	146	7	is	be	AUX
ejif-3269	146	8	the	the	DET
ejif-3269	146	9	swap	swap	NOUN
ejif-3269	146	10	of	of	ADP
ejif-3269	146	11	the	the	DET
ejif-3269	146	12	islamic	islamic	ADJ
ejif-3269	146	13	interest	interest	NOUN
ejif-3269	146	14	,	,	PUNCT
ejif-3269	146	15	exchange	exchange	NOUN
ejif-3269	146	16	swaps	swap	NOUN
ejif-3269	146	17	,	,	PUNCT
ejif-3269	146	18	exchange	exchange	NOUN
ejif-3269	146	19	rate	rate	NOUN
ejif-3269	146	20	swaps	swap	NOUN
ejif-3269	146	21	,	,	PUNCT
ejif-3269	146	22	futures	future	NOUN
ejif-3269	146	23	contracts	contract	NOUN
ejif-3269	146	24	and	and	CCONJ
ejif-3269	146	25	structured	structured	ADJ
ejif-3269	146	26	products	product	NOUN
ejif-3269	146	27	of	of	ADP
ejif-3269	146	28	shares	share	NOUN
ejif-3269	146	29	of	of	ADP
ejif-3269	146	30	islamic	islamic	ADJ
ejif-3269	146	31	instruments	instrument	NOUN
ejif-3269	146	32	,	,	PUNCT
ejif-3269	146	33	unlike	unlike	ADP
ejif-3269	146	34	traditional	traditional	ADJ
ejif-3269	146	35	instruments	instrument	NOUN
ejif-3269	146	36	,	,	PUNCT
ejif-3269	146	37	can	can	AUX
ejif-3269	146	38	not	not	PART
ejif-3269	146	39	be	be	AUX
ejif-3269	146	40	traded	trade	VERB
ejif-3269	146	41	because	because	SCONJ
ejif-3269	146	42	their	their	PRON
ejif-3269	146	43	goal	goal	NOUN
ejif-3269	146	44	is	be	AUX
ejif-3269	146	45	only	only	ADV
ejif-3269	146	46	to	to	PART
ejif-3269	146	47	cover	cover	VERB
ejif-3269	146	48	and	and	CCONJ
ejif-3269	146	49	not	not	PART
ejif-3269	146	50	speculative	speculative	ADJ
ejif-3269	146	51	tools	tool	NOUN
ejif-3269	146	52	.	.	PUNCT
ejif-3269	147	1	reducing	reduce	VERB
ejif-3269	147	2	development	development	NOUN
ejif-3269	147	3	and	and	CCONJ
ejif-3269	147	4	profitability	profitability	NOUN
ejif-3269	147	5	shows	show	VERB
ejif-3269	147	6	that	that	SCONJ
ejif-3269	147	7	the	the	DET
ejif-3269	147	8	time	time	NOUN
ejif-3269	147	9	has	have	AUX
ejif-3269	147	10	come	come	VERB
ejif-3269	147	11	to	to	PART
ejif-3269	147	12	exploit	exploit	VERB
ejif-3269	147	13	the	the	DET
ejif-3269	147	14	potential	potential	NOUN
ejif-3269	147	15	of	of	ADP
ejif-3269	147	16	islamic	islamic	ADJ
ejif-3269	147	17	banking	banking	NOUN
ejif-3269	147	18	.	.	PUNCT
ejif-3269	148	1	in	in	ADP
ejif-3269	148	2	this	this	DET
ejif-3269	148	3	regard	regard	NOUN
ejif-3269	148	4	,	,	PUNCT
ejif-3269	148	5	islamic	islamic	ADJ
ejif-3269	148	6	banks	bank	NOUN
ejif-3269	148	7	should	should	AUX
ejif-3269	148	8	inspection	inspection	VERB
ejif-3269	148	9	their	their	PRON
ejif-3269	148	10	tactical	tactical	ADJ
ejif-3269	148	11	position	position	NOUN
ejif-3269	148	12	and	and	CCONJ
ejif-3269	148	13	increment	increment	VERB
ejif-3269	148	14	their	their	PRON
ejif-3269	148	15	functioning	functioning	ADJ
ejif-3269	148	16	efficiency[27	efficiency[27	NOUN
ejif-3269	148	17	]	]	PUNCT
ejif-3269	148	18	.	.	PUNCT
ejif-3269	149	1	over	over	ADP
ejif-3269	149	2	the	the	DET
ejif-3269	149	3	years	year	NOUN
ejif-3269	149	4	,	,	PUNCT
ejif-3269	149	5	multitude	multitude	NOUN
ejif-3269	149	6	of	of	ADP
ejif-3269	149	7	islamic	islamic	ADJ
ejif-3269	149	8	banks	bank	NOUN
ejif-3269	149	9	have	have	AUX
ejif-3269	149	10	experienced	experience	VERB
ejif-3269	149	11	a	a	DET
ejif-3269	149	12	two	two	NUM
ejif-3269	149	13	-	-	PUNCT
ejif-3269	149	14	digit	digit	NOUN
ejif-3269	149	15	growth	growth	NOUN
ejif-3269	149	16	rate	rate	NOUN
ejif-3269	149	17	that	that	PRON
ejif-3269	149	18	surpassed	surpass	VERB
ejif-3269	149	19	their	their	PRON
ejif-3269	149	20	rivals	rival	NOUN
ejif-3269	149	21	in	in	ADP
ejif-3269	149	22	conventional	conventional	ADJ
ejif-3269	149	23	banking	banking	NOUN
ejif-3269	149	24	.	.	PUNCT
ejif-3269	150	1	at	at	ADP
ejif-3269	150	2	first	first	ADJ
ejif-3269	150	3	sight	sight	NOUN
ejif-3269	150	4	,	,	PUNCT
ejif-3269	150	5	everything	everything	PRON
ejif-3269	150	6	looks	look	VERB
ejif-3269	150	7	good	good	ADJ
ejif-3269	150	8	for	for	ADP
ejif-3269	150	9	banking	banking	NOUN
ejif-3269	150	10	.	.	PUNCT
ejif-3269	151	1	there	there	PRON
ejif-3269	151	2	is	be	VERB
ejif-3269	151	3	abundance	abundance	NOUN
ejif-3269	151	4	of	of	ADP
ejif-3269	151	5	circumstances	circumstance	NOUN
ejif-3269	151	6	for	for	ADP
ejif-3269	151	7	growth	growth	NOUN
ejif-3269	151	8	and	and	CCONJ
ejif-3269	151	9	advancement	advancement	NOUN
ejif-3269	151	10	,	,	PUNCT
ejif-3269	151	11	as	as	ADP
ejif-3269	151	12	islamic	islamic	ADJ
ejif-3269	151	13	banking	banking	NOUN
ejif-3269	151	14	,	,	PUNCT
ejif-3269	151	15	even	even	ADV
ejif-3269	151	16	at	at	ADP
ejif-3269	151	17	the	the	DET
ejif-3269	151	18	gulf	gulf	PROPN
ejif-3269	151	19	cooperation	cooperation	PROPN
ejif-3269	151	20	council	council	PROPN
ejif-3269	151	21	(	(	PUNCT
ejif-3269	151	22	gcc	gcc	NOUN
ejif-3269	151	23	)	)	PUNCT
ejif-3269	151	24	and	and	CCONJ
ejif-3269	151	25	malaysia	malaysia	NOUN
ejif-3269	151	26	,	,	PUNCT
ejif-3269	151	27	seldom	seldom	ADV
ejif-3269	151	28	soars	soar	VERB
ejif-3269	151	29	a	a	DET
ejif-3269	151	30	third	third	NOUN
ejif-3269	151	31	of	of	ADP
ejif-3269	151	32	the	the	DET
ejif-3269	151	33	universal	universal	ADJ
ejif-3269	151	34	market	market	NOUN
ejif-3269	151	35	quota	quota	NOUN
ejif-3269	151	36	.	.	PUNCT
ejif-3269	152	1	many	many	ADJ
ejif-3269	152	2	potential	potential	ADJ
ejif-3269	152	3	markets	market	NOUN
ejif-3269	152	4	that	that	PRON
ejif-3269	152	5	are	be	AUX
ejif-3269	152	6	full	full	ADJ
ejif-3269	152	7	of	of	ADP
ejif-3269	152	8	muslim	muslim	ADJ
ejif-3269	152	9	populations	population	NOUN
ejif-3269	152	10	(	(	PUNCT
ejif-3269	152	11	such	such	ADJ
ejif-3269	152	12	as	as	ADP
ejif-3269	152	13	india	india	PROPN
ejif-3269	152	14	and	and	CCONJ
ejif-3269	152	15	the	the	DET
ejif-3269	152	16	commonwealth	commonwealth	NOUN
ejif-3269	152	17	of	of	ADP
ejif-3269	152	18	independent	independent	ADJ
ejif-3269	152	19	states	state	NOUN
ejif-3269	152	20	(	(	PUNCT
ejif-3269	152	21	cis	cis	NOUN
ejif-3269	152	22	)	)	PUNCT
ejif-3269	152	23	from	from	ADP
ejif-3269	152	24	the	the	DET
ejif-3269	152	25	former	former	ADJ
ejif-3269	152	26	soviet	soviet	PROPN
ejif-3269	152	27	union	union	PROPN
ejif-3269	152	28	remain	remain	VERB
ejif-3269	152	29	intact[22	intact[22	ADJ
ejif-3269	152	30	]	]	PUNCT
ejif-3269	152	31	.	.	PUNCT
ejif-3269	153	1	in	in	ADP
ejif-3269	153	2	addition	addition	NOUN
ejif-3269	153	3	,	,	PUNCT
ejif-3269	153	4	the	the	DET
ejif-3269	153	5	general	general	ADJ
ejif-3269	153	6	influence	influence	NOUN
ejif-3269	153	7	of	of	ADP
ejif-3269	153	8	banking	banking	NOUN
ejif-3269	153	9	on	on	ADP
ejif-3269	153	10	multitude	multitude	NOUN
ejif-3269	153	11	grand	grand	ADJ
ejif-3269	153	12	industry	industry	NOUN
ejif-3269	153	13	markets	market	NOUN
ejif-3269	153	14	are	be	AUX
ejif-3269	153	15	still	still	ADV
ejif-3269	153	16	slight	slight	ADJ
ejif-3269	153	17	.	.	PUNCT
ejif-3269	154	1	for	for	ADP
ejif-3269	154	2	example	example	NOUN
ejif-3269	154	3	,	,	PUNCT
ejif-3269	154	4	the	the	DET
ejif-3269	154	5	gcc	gcc	NOUN
ejif-3269	154	6	countries	country	NOUN
ejif-3269	154	7	have	have	AUX
ejif-3269	154	8	not	not	PART
ejif-3269	154	9	yet	yet	ADV
ejif-3269	154	10	attained	attain	VERB
ejif-3269	154	11	the	the	DET
ejif-3269	154	12	level	level	NOUN
ejif-3269	154	13	of	of	ADP
ejif-3269	154	14	banking	banking	NOUN
ejif-3269	154	15	in	in	ADP
ejif-3269	154	16	countries	country	NOUN
ejif-3269	154	17	such	such	ADJ
ejif-3269	154	18	as	as	ADP
ejif-3269	154	19	france	france	PROPN
ejif-3269	154	20	and	and	CCONJ
ejif-3269	154	21	britain	britain	PROPN
ejif-3269	154	22	.	.	PUNCT
ejif-3269	155	1	meanwhile	meanwhile	ADV
ejif-3269	155	2	,	,	PUNCT
ejif-3269	155	3	several	several	ADJ
ejif-3269	155	4	emerging	emerge	VERB
ejif-3269	155	5	markets	market	NOUN
ejif-3269	155	6	have	have	AUX
ejif-3269	155	7	been	be	AUX
ejif-3269	155	8	opened	open	VERB
ejif-3269	155	9	up	up	ADP
ejif-3269	155	10	to	to	ADP
ejif-3269	155	11	islamic	islamic	ADJ
ejif-3269	155	12	banking	banking	NOUN
ejif-3269	156	1	[	[	X
ejif-3269	156	2	22	22	NUM
ejif-3269	156	3	]	]	PUNCT
ejif-3269	156	4	.	.	PUNCT
ejif-3269	157	1	vii	vii	PROPN
ejif-3269	157	2	.	.	PUNCT
ejif-3269	157	3	opportunities	opportunity	NOUN
ejif-3269	157	4	for	for	ADP
ejif-3269	157	5	improving	improve	VERB
ejif-3269	157	6	efficiency	efficiency	NOUN
ejif-3269	157	7	an	an	DET
ejif-3269	157	8	islamic	islamic	ADJ
ejif-3269	157	9	bank	bank	NOUN
ejif-3269	157	10	pursues	pursue	VERB
ejif-3269	157	11	any	any	DET
ejif-3269	157	12	strategic	strategic	ADJ
ejif-3269	157	13	position	position	NOUN
ejif-3269	157	14	,	,	PUNCT
ejif-3269	157	15	requires	require	VERB
ejif-3269	157	16	more	more	ADJ
ejif-3269	157	17	efficiency	efficiency	NOUN
ejif-3269	157	18	for	for	ADP
ejif-3269	157	19	processor	processor	NOUN
ejif-3269	157	20	activities	activity	NOUN
ejif-3269	157	21	to	to	ADP
ejif-3269	157	22	adding	add	VERB
ejif-3269	157	23	value	value	NOUN
ejif-3269	157	24	.	.	PUNCT
ejif-3269	158	1	like	like	ADP
ejif-3269	158	2	other	other	ADJ
ejif-3269	158	3	gcc	gcc	NOUN
ejif-3269	158	4	banks	bank	NOUN
ejif-3269	158	5	,	,	PUNCT
ejif-3269	158	6	crucial	crucial	ADJ
ejif-3269	158	7	areas	area	NOUN
ejif-3269	158	8	include	include	VERB
ejif-3269	158	9	sales	sale	NOUN
ejif-3269	158	10	advantage	advantage	NOUN
ejif-3269	158	11	,	,	PUNCT
ejif-3269	158	12	operational	operational	ADJ
ejif-3269	158	13	efficiency	efficiency	NOUN
ejif-3269	158	14	,	,	PUNCT
ejif-3269	158	15	and	and	CCONJ
ejif-3269	158	16	efficiency	efficiency	NOUN
ejif-3269	158	17	management	management	NOUN
ejif-3269	158	18	.	.	PUNCT
ejif-3269	159	1	1	1	X
ejif-3269	159	2	.	.	X
ejif-3269	159	3	focus	focus	VERB
ejif-3269	159	4	on	on	ADP
ejif-3269	159	5	the	the	DET
ejif-3269	159	6	customer	customer	NOUN
ejif-3269	159	7	the	the	DET
ejif-3269	159	8	number	number	NOUN
ejif-3269	159	9	of	of	ADP
ejif-3269	159	10	banking	banking	NOUN
ejif-3269	159	11	products	product	NOUN
ejif-3269	159	12	and	and	CCONJ
ejif-3269	159	13	income	income	NOUN
ejif-3269	159	14	per	per	ADP
ejif-3269	159	15	client	client	NOUN
ejif-3269	159	16	in	in	ADP
ejif-3269	159	17	the	the	DET
ejif-3269	159	18	gcc	gcc	NOUN
ejif-3269	159	19	remains	remain	VERB
ejif-3269	159	20	comparatively	comparatively	ADV
ejif-3269	159	21	low	low	ADJ
ejif-3269	159	22	compared	compare	VERB
ejif-3269	159	23	to	to	ADP
ejif-3269	159	24	developed	develop	VERB
ejif-3269	159	25	markets	market	NOUN
ejif-3269	159	26	.	.	PUNCT
ejif-3269	160	1	customer	customer	NOUN
ejif-3269	160	2	euphoria	euphoria	NOUN
ejif-3269	160	3	is	be	AUX
ejif-3269	160	4	a	a	DET
ejif-3269	160	5	vital	vital	ADJ
ejif-3269	160	6	element	element	NOUN
ejif-3269	160	7	in	in	ADP
ejif-3269	160	8	expanding	expand	VERB
ejif-3269	160	9	the	the	DET
ejif-3269	160	10	market	market	NOUN
ejif-3269	160	11	share	share	NOUN
ejif-3269	160	12	of	of	ADP
ejif-3269	160	13	banks	bank	NOUN
ejif-3269	160	14	,	,	PUNCT
ejif-3269	160	15	while	while	SCONJ
ejif-3269	160	16	studies	study	NOUN
ejif-3269	160	17	have	have	AUX
ejif-3269	160	18	shown	show	VERB
ejif-3269	160	19	that	that	PRON
ejif-3269	160	20	gcc	gcc	NOUN
ejif-3269	160	21	ejif	ejif	NOUN
ejif-3269	160	22	–	–	PUNCT
ejif-3269	160	23	european	european	PROPN
ejif-3269	160	24	journal	journal	PROPN
ejif-3269	160	25	of	of	ADP
ejif-3269	160	26	islamic	islamic	PROPN
ejif-3269	160	27	finance	finance	PROPN
ejif-3269	160	28	no	no	DET
ejif-3269	160	29	12	12	NUM
ejif-3269	160	30	,	,	PUNCT
ejif-3269	160	31	april	april	PROPN
ejif-3269	160	32	(	(	PUNCT
ejif-3269	160	33	2019	2019	NUM
ejif-3269	160	34	)	)	PUNCT
ejif-3269	161	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	161	2	issn	issn	VERB
ejif-3269	161	3	2421	2421	NUM
ejif-3269	161	4	-	-	SYM
ejif-3269	161	5	2172	2172	NUM
ejif-3269	161	6	6	6	NUM
ejif-3269	161	7	banks	bank	NOUN
ejif-3269	161	8	do	do	AUX
ejif-3269	161	9	not	not	PART
ejif-3269	161	10	care	care	VERB
ejif-3269	161	11	about	about	ADP
ejif-3269	161	12	customer	customer	NOUN
ejif-3269	161	13	satisfaction	satisfaction	NOUN
ejif-3269	161	14	as	as	ADP
ejif-3269	161	15	a	a	DET
ejif-3269	161	16	priority	priority	NOUN
ejif-3269	161	17	.	.	PUNCT
ejif-3269	162	1	the	the	DET
ejif-3269	162	2	three	three	NUM
ejif-3269	162	3	main	main	ADJ
ejif-3269	162	4	areas	area	NOUN
ejif-3269	162	5	for	for	ADP
ejif-3269	162	6	improving	improve	VERB
ejif-3269	162	7	customer	customer	NOUN
ejif-3269	162	8	focus	focus	NOUN
ejif-3269	162	9	can	can	AUX
ejif-3269	162	10	be	be	AUX
ejif-3269	162	11	:	:	PUNCT
ejif-3269	162	12			PRON
ejif-3269	162	13	workers	worker	NOUN
ejif-3269	162	14	:	:	PUNCT
ejif-3269	162	15	line	line	NOUN
ejif-3269	162	16	staff	staff	NOUN
ejif-3269	162	17	(	(	PUNCT
ejif-3269	162	18	sales	sale	NOUN
ejif-3269	162	19	staff	staff	NOUN
ejif-3269	162	20	have	have	VERB
ejif-3269	162	21	a	a	DET
ejif-3269	162	22	very	very	ADV
ejif-3269	162	23	limited	limited	ADJ
ejif-3269	162	24	knowledge	knowledge	NOUN
ejif-3269	162	25	of	of	ADP
ejif-3269	162	26	the	the	DET
ejif-3269	162	27	services	service	NOUN
ejif-3269	162	28	and	and	CCONJ
ejif-3269	162	29	products	product	NOUN
ejif-3269	162	30	they	they	PRON
ejif-3269	162	31	provide	provide	VERB
ejif-3269	162	32	)	)	PUNCT
ejif-3269	162	33	,	,	PUNCT
ejif-3269	162	34	which	which	PRON
ejif-3269	162	35	is	be	AUX
ejif-3269	162	36	more	more	ADV
ejif-3269	162	37	common	common	ADJ
ejif-3269	162	38	in	in	ADP
ejif-3269	162	39	islamic	islamic	ADJ
ejif-3269	162	40	banking	banking	NOUN
ejif-3269	162	41	,	,	PUNCT
ejif-3269	162	42	while	while	SCONJ
ejif-3269	162	43	that	that	SCONJ
ejif-3269	162	44	islamic	islamic	ADJ
ejif-3269	162	45	banking	banking	NOUN
ejif-3269	162	46	customers	customer	NOUN
ejif-3269	162	47	need	need	VERB
ejif-3269	162	48	additional	additional	ADJ
ejif-3269	162	49	explanations	explanation	NOUN
ejif-3269	162	50	for	for	ADP
ejif-3269	162	51	sharia	sharia	NOUN
ejif-3269	162	52	-	-	PUNCT
ejif-3269	162	53	based	base	VERB
ejif-3269	162	54	structures	structure	NOUN
ejif-3269	162	55	and	and	CCONJ
ejif-3269	162	56	products	product	NOUN
ejif-3269	162	57	.	.	PUNCT
ejif-3269	163	1	there	there	PRON
ejif-3269	163	2	is	be	VERB
ejif-3269	163	3	also	also	ADV
ejif-3269	163	4	a	a	DET
ejif-3269	163	5	need	need	NOUN
ejif-3269	163	6	to	to	PART
ejif-3269	163	7	improve	improve	VERB
ejif-3269	163	8	responsiveness	responsiveness	NOUN
ejif-3269	163	9	,	,	PUNCT
ejif-3269	163	10	for	for	ADP
ejif-3269	163	11	example	example	NOUN
ejif-3269	163	12	,	,	PUNCT
ejif-3269	163	13	customer	customer	NOUN
ejif-3269	163	14	contact	contact	NOUN
ejif-3269	163	15	at	at	ADP
ejif-3269	163	16	the	the	DET
ejif-3269	163	17	right	right	NOUN
ejif-3269	163	18	time.[2	time.[2	NOUN
ejif-3269	163	19	]	]	PUNCT
ejif-3269	163	20			PRON
ejif-3269	163	21	information	information	NOUN
ejif-3269	163	22	:	:	PUNCT
ejif-3269	163	23	when	when	SCONJ
ejif-3269	163	24	customers	customer	NOUN
ejif-3269	163	25	have	have	VERB
ejif-3269	163	26	important	important	ADJ
ejif-3269	163	27	information	information	NOUN
ejif-3269	163	28	about	about	ADP
ejif-3269	163	29	a	a	DET
ejif-3269	163	30	product	product	NOUN
ejif-3269	163	31	before	before	SCONJ
ejif-3269	163	32	do	do	AUX
ejif-3269	163	33	not	not	PART
ejif-3269	163	34	buy	buy	VERB
ejif-3269	163	35	,	,	PUNCT
ejif-3269	163	36	usually	usually	ADV
ejif-3269	163	37	leads	lead	VERB
ejif-3269	163	38	to	to	ADP
ejif-3269	163	39	serious	serious	ADJ
ejif-3269	163	40	and	and	CCONJ
ejif-3269	163	41	lasting	lasting	ADJ
ejif-3269	163	42	damage	damage	NOUN
ejif-3269	163	43	to	to	ADP
ejif-3269	163	44	brand	brand	NOUN
ejif-3269	163	45	loyalty	loyalty	NOUN
ejif-3269	163	46	(	(	PUNCT
ejif-3269	163	47	for	for	ADP
ejif-3269	163	48	example	example	NOUN
ejif-3269	163	49	,	,	PUNCT
ejif-3269	163	50	awareness	awareness	NOUN
ejif-3269	163	51	of	of	ADP
ejif-3269	163	52	additional	additional	ADJ
ejif-3269	163	53	costs	cost	NOUN
ejif-3269	163	54	after	after	ADP
ejif-3269	163	55	purchase	purchase	NOUN
ejif-3269	163	56	)	)	PUNCT
ejif-3269	163	57			NOUN
ejif-3269	163	58	contact	contact	NOUN
ejif-3269	163	59	facilities	facility	NOUN
ejif-3269	163	60	:	:	PUNCT
ejif-3269	163	61	customers	customer	NOUN
ejif-3269	163	62	usually	usually	ADV
ejif-3269	163	63	have	have	VERB
ejif-3269	163	64	a	a	DET
ejif-3269	163	65	limited	limited	ADJ
ejif-3269	163	66	number	number	NOUN
ejif-3269	163	67	of	of	ADP
ejif-3269	163	68	calls	call	NOUN
ejif-3269	163	69	centres	centre	NOUN
ejif-3269	163	70	or	or	CCONJ
ejif-3269	163	71	services	service	NOUN
ejif-3269	163	72	and	and	CCONJ
ejif-3269	163	73	often	often	ADV
ejif-3269	163	74	go	go	VERB
ejif-3269	163	75	from	from	ADP
ejif-3269	163	76	part	part	NOUN
ejif-3269	163	77	to	to	ADP
ejif-3269	163	78	another	another	PRON
ejif-3269	163	79	.	.	PUNCT
ejif-3269	164	1	there	there	PRON
ejif-3269	164	2	are	be	VERB
ejif-3269	164	3	only	only	ADV
ejif-3269	164	4	a	a	DET
ejif-3269	164	5	few	few	ADJ
ejif-3269	164	6	islamic	islamic	ADJ
ejif-3269	164	7	banks	bank	NOUN
ejif-3269	164	8	that	that	PRON
ejif-3269	164	9	have	have	VERB
ejif-3269	164	10	a	a	DET
ejif-3269	164	11	many	many	ADJ
ejif-3269	164	12	-	-	PUNCT
ejif-3269	164	13	sided	sided	ADJ
ejif-3269	164	14	client	client	NOUN
ejif-3269	164	15	relationship	relationship	NOUN
ejif-3269	164	16	perspective	perspective	NOUN
ejif-3269	164	17	.	.	PUNCT
ejif-3269	165	1	improving	improve	VERB
ejif-3269	165	2	client	client	NOUN
ejif-3269	165	3	service	service	NOUN
ejif-3269	165	4	begins	begin	VERB
ejif-3269	165	5	with	with	ADP
ejif-3269	165	6	a	a	DET
ejif-3269	165	7	framework	framework	NOUN
ejif-3269	165	8	in	in	ADP
ejif-3269	165	9	which	which	PRON
ejif-3269	165	10	consistent	consistent	ADJ
ejif-3269	165	11	with	with	ADP
ejif-3269	165	12	all	all	DET
ejif-3269	165	13	features	feature	NOUN
ejif-3269	165	14	of	of	ADP
ejif-3269	165	15	the	the	DET
ejif-3269	165	16	institution	institution	NOUN
ejif-3269	165	17	(	(	PUNCT
ejif-3269	165	18	people	people	NOUN
ejif-3269	165	19	,	,	PUNCT
ejif-3269	165	20	culture	culture	NOUN
ejif-3269	165	21	,	,	PUNCT
ejif-3269	165	22	performance	performance	NOUN
ejif-3269	165	23	metrics	metric	NOUN
ejif-3269	165	24	,	,	PUNCT
ejif-3269	165	25	processes	process	NOUN
ejif-3269	165	26	,	,	PUNCT
ejif-3269	165	27	and	and	CCONJ
ejif-3269	165	28	infrastructure	infrastructure	NOUN
ejif-3269	165	29	)	)	PUNCT
ejif-3269	165	30	.	.	PUNCT
ejif-3269	166	1	when	when	SCONJ
ejif-3269	166	2	the	the	DET
ejif-3269	166	3	rivalry	rivalry	NOUN
ejif-3269	166	4	escalates	escalate	VERB
ejif-3269	166	5	,	,	PUNCT
ejif-3269	166	6	a	a	DET
ejif-3269	166	7	more	more	ADV
ejif-3269	166	8	intelligent	intelligent	ADJ
ejif-3269	166	9	,	,	PUNCT
ejif-3269	166	10	complicated	complicated	ADJ
ejif-3269	166	11	and	and	CCONJ
ejif-3269	166	12	customer	customer	NOUN
ejif-3269	166	13	-	-	PUNCT
ejif-3269	166	14	centred	centre	VERB
ejif-3269	166	15	approach	approach	NOUN
ejif-3269	166	16	to	to	ADP
ejif-3269	166	17	islamic	islamic	ADJ
ejif-3269	166	18	banks	bank	NOUN
ejif-3269	166	19	is	be	AUX
ejif-3269	166	20	needed	need	VERB
ejif-3269	166	21	.	.	PUNCT
ejif-3269	167	1	redesigning	redesign	VERB
ejif-3269	167	2	sales	sale	NOUN
ejif-3269	167	3	staff	staff	NOUN
ejif-3269	167	4	and	and	CCONJ
ejif-3269	167	5	shifting	shift	VERB
ejif-3269	167	6	the	the	DET
ejif-3269	167	7	focus	focus	NOUN
ejif-3269	167	8	from	from	ADP
ejif-3269	167	9	product	product	NOUN
ejif-3269	167	10	to	to	ADP
ejif-3269	167	11	customer	customer	NOUN
ejif-3269	167	12	segments	segment	NOUN
ejif-3269	167	13	,	,	PUNCT
ejif-3269	167	14	improving	improve	VERB
ejif-3269	167	15	skills	skill	NOUN
ejif-3269	167	16	and	and	CCONJ
ejif-3269	167	17	sales	sale	NOUN
ejif-3269	167	18	techniques	technique	NOUN
ejif-3269	167	19	,	,	PUNCT
ejif-3269	167	20	and	and	CCONJ
ejif-3269	167	21	deploying	deploy	VERB
ejif-3269	167	22	multi	multi	ADJ
ejif-3269	167	23	-	-	ADJ
ejif-3269	167	24	channel	channel	ADJ
ejif-3269	167	25	delivery	delivery	NOUN
ejif-3269	167	26	through	through	ADP
ejif-3269	167	27	organizational	organizational	ADJ
ejif-3269	167	28	coordination	coordination	NOUN
ejif-3269	167	29	will	will	AUX
ejif-3269	167	30	maintain	maintain	VERB
ejif-3269	167	31	costs	cost	NOUN
ejif-3269	167	32	down	down	ADP
ejif-3269	167	33	and	and	CCONJ
ejif-3269	167	34	increase	increase	VERB
ejif-3269	167	35	customer	customer	NOUN
ejif-3269	167	36	satisfaction	satisfaction	NOUN
ejif-3269	167	37	.	.	PUNCT
ejif-3269	168	1	preserving	preserve	VERB
ejif-3269	168	2	a	a	DET
ejif-3269	168	3	viewpoint	viewpoint	NOUN
ejif-3269	168	4	towards	towards	ADP
ejif-3269	168	5	the	the	DET
ejif-3269	168	6	customer	customer	NOUN
ejif-3269	168	7	in	in	ADP
ejif-3269	168	8	all	all	DET
ejif-3269	168	9	aspects	aspect	NOUN
ejif-3269	168	10	has	have	VERB
ejif-3269	168	11	a	a	DET
ejif-3269	168	12	specific	specific	ADJ
ejif-3269	168	13	advantage	advantage	NOUN
ejif-3269	168	14	.	.	PUNCT
ejif-3269	169	1	2	2	X
ejif-3269	169	2	.	.	X
ejif-3269	169	3	operational	operational	ADJ
ejif-3269	169	4	efficiency	efficiency	NOUN
ejif-3269	169	5	most	most	ADJ
ejif-3269	169	6	of	of	ADP
ejif-3269	169	7	banking	banking	NOUN
ejif-3269	169	8	processes	process	NOUN
ejif-3269	169	9	in	in	ADP
ejif-3269	169	10	the	the	DET
ejif-3269	169	11	gcc	gcc	NOUN
ejif-3269	169	12	are	be	AUX
ejif-3269	169	13	still	still	ADV
ejif-3269	169	14	handy	handy	ADJ
ejif-3269	169	15	,	,	PUNCT
ejif-3269	169	16	with	with	ADP
ejif-3269	169	17	numerous	numerous	ADJ
ejif-3269	169	18	paper	paper	NOUN
ejif-3269	169	19	documents	document	NOUN
ejif-3269	169	20	and	and	CCONJ
ejif-3269	169	21	layers	layer	NOUN
ejif-3269	169	22	of	of	ADP
ejif-3269	169	23	decision	decision	NOUN
ejif-3269	169	24	making	making	NOUN
ejif-3269	169	25	.	.	PUNCT
ejif-3269	170	1	this	this	DET
ejif-3269	170	2	issue	issue	NOUN
ejif-3269	170	3	is	be	AUX
ejif-3269	170	4	very	very	ADV
ejif-3269	170	5	difficult	difficult	ADJ
ejif-3269	170	6	in	in	ADP
ejif-3269	170	7	islamic	islamic	ADJ
ejif-3269	170	8	banking	banking	NOUN
ejif-3269	170	9	because	because	SCONJ
ejif-3269	170	10	there	there	PRON
ejif-3269	170	11	is	be	VERB
ejif-3269	170	12	always	always	ADV
ejif-3269	170	13	a	a	DET
ejif-3269	170	14	transfer	transfer	NOUN
ejif-3269	170	15	of	of	ADP
ejif-3269	170	16	an	an	DET
ejif-3269	170	17	asset	asset	NOUN
ejif-3269	170	18	in	in	ADP
ejif-3269	170	19	islamic	islamic	PROPN
ejif-3269	170	20	banking[28	banking[28	PROPN
ejif-3269	170	21	]	]	PUNCT
ejif-3269	170	22	.	.	PUNCT
ejif-3269	171	1	redesigning	redesign	VERB
ejif-3269	171	2	processes	process	NOUN
ejif-3269	171	3	can	can	AUX
ejif-3269	171	4	bring	bring	VERB
ejif-3269	171	5	significant	significant	ADJ
ejif-3269	171	6	improvements	improvement	NOUN
ejif-3269	171	7	and	and	CCONJ
ejif-3269	171	8	,	,	PUNCT
ejif-3269	171	9	even	even	ADV
ejif-3269	171	10	in	in	ADP
ejif-3269	171	11	some	some	DET
ejif-3269	171	12	cases	case	NOUN
ejif-3269	171	13	,	,	PUNCT
ejif-3269	171	14	reduce	reduce	VERB
ejif-3269	171	15	resource	resource	NOUN
ejif-3269	171	16	requirements	requirement	NOUN
ejif-3269	171	17	by	by	ADP
ejif-3269	171	18	up	up	ADP
ejif-3269	171	19	to	to	PART
ejif-3269	171	20	50	50	NUM
ejif-3269	171	21	%	%	NOUN
ejif-3269	171	22	.	.	PUNCT
ejif-3269	172	1	in	in	ADP
ejif-3269	172	2	spite	spite	NOUN
ejif-3269	172	3	of	of	ADP
ejif-3269	172	4	the	the	DET
ejif-3269	172	5	fact	fact	NOUN
ejif-3269	172	6	that	that	SCONJ
ejif-3269	172	7	automation	automation	NOUN
ejif-3269	172	8	is	be	AUX
ejif-3269	172	9	very	very	ADV
ejif-3269	172	10	significant	significant	ADJ
ejif-3269	172	11	,	,	PUNCT
ejif-3269	172	12	it	it	PRON
ejif-3269	172	13	is	be	AUX
ejif-3269	172	14	not	not	PART
ejif-3269	172	15	consistently	consistently	ADV
ejif-3269	172	16	obligatory	obligatory	ADJ
ejif-3269	172	17	,	,	PUNCT
ejif-3269	172	18	especially	especially	ADV
ejif-3269	172	19	considering	consider	VERB
ejif-3269	172	20	the	the	DET
ejif-3269	172	21	low	low	ADJ
ejif-3269	172	22	cost	cost	NOUN
ejif-3269	172	23	of	of	ADP
ejif-3269	172	24	working	work	VERB
ejif-3269	172	25	in	in	ADP
ejif-3269	172	26	the	the	DET
ejif-3269	172	27	gulf	gulf	PROPN
ejif-3269	172	28	cooperation	cooperation	PROPN
ejif-3269	172	29	council	council	PROPN
ejif-3269	172	30	.	.	PUNCT
ejif-3269	173	1	targeted	target	VERB
ejif-3269	173	2	it	it	PRON
ejif-3269	173	3	investments	investment	NOUN
ejif-3269	173	4	are	be	AUX
ejif-3269	173	5	significant	significant	ADJ
ejif-3269	173	6	because	because	SCONJ
ejif-3269	173	7	they	they	PRON
ejif-3269	173	8	align	align	VERB
ejif-3269	173	9	the	the	DET
ejif-3269	173	10	all	all	DET
ejif-3269	173	11	organization	organization	NOUN
ejif-3269	173	12	with	with	ADP
ejif-3269	173	13	respect	respect	NOUN
ejif-3269	173	14	to	to	ADP
ejif-3269	173	15	the	the	DET
ejif-3269	173	16	strategy	strategy	NOUN
ejif-3269	173	17	and	and	CCONJ
ejif-3269	173	18	recapitulation	recapitulation	NOUN
ejif-3269	173	19	of	of	ADP
ejif-3269	173	20	the	the	DET
ejif-3269	173	21	structures	structure	NOUN
ejif-3269	173	22	and	and	CCONJ
ejif-3269	173	23	can	can	AUX
ejif-3269	173	24	dramatically	dramatically	ADV
ejif-3269	173	25	improve	improve	VERB
ejif-3269	173	26	performance	performance	NOUN
ejif-3269	173	27	.	.	PUNCT
ejif-3269	174	1	outsourcing	outsourcing	NOUN
ejif-3269	174	2	offer	offer	NOUN
ejif-3269	174	3	options	option	NOUN
ejif-3269	174	4	for	for	ADP
ejif-3269	174	5	focusing	focus	VERB
ejif-3269	174	6	on	on	ADP
ejif-3269	174	7	business	business	NOUN
ejif-3269	174	8	processes	process	NOUN
ejif-3269	174	9	,	,	PUNCT
ejif-3269	174	10	developing	develop	VERB
ejif-3269	174	11	service	service	NOUN
ejif-3269	174	12	surfaces	surface	NOUN
ejif-3269	174	13	,	,	PUNCT
ejif-3269	174	14	and	and	CCONJ
ejif-3269	174	15	raising	raise	VERB
ejif-3269	174	16	controls	control	NOUN
ejif-3269	174	17	.	.	PUNCT
ejif-3269	175	1	despite	despite	SCONJ
ejif-3269	175	2	the	the	DET
ejif-3269	175	3	fact	fact	NOUN
ejif-3269	175	4	that	that	PRON
ejif-3269	175	5	is	be	AUX
ejif-3269	175	6	a	a	DET
ejif-3269	175	7	relatively	relatively	ADV
ejif-3269	175	8	new	new	ADJ
ejif-3269	175	9	concept	concept	NOUN
ejif-3269	175	10	in	in	ADP
ejif-3269	175	11	the	the	DET
ejif-3269	175	12	gcc	gcc	NOUN
ejif-3269	175	13	,	,	PUNCT
ejif-3269	175	14	many	many	ADJ
ejif-3269	175	15	regional	regional	ADJ
ejif-3269	175	16	banks	bank	NOUN
ejif-3269	175	17	have	have	AUX
ejif-3269	175	18	successfully	successfully	ADV
ejif-3269	175	19	outsourced	outsource	VERB
ejif-3269	175	20	their	their	PRON
ejif-3269	175	21	relatively	relatively	ADV
ejif-3269	175	22	simple	simple	ADJ
ejif-3269	175	23	processes	process	NOUN
ejif-3269	175	24	to	to	ADP
ejif-3269	175	25	india	india	PROPN
ejif-3269	175	26	and	and	CCONJ
ejif-3269	175	27	egypt	egypt	PROPN
ejif-3269	175	28	.	.	PUNCT
ejif-3269	176	1	a	a	DET
ejif-3269	176	2	structured	structured	ADJ
ejif-3269	176	3	approach	approach	NOUN
ejif-3269	176	4	to	to	ADP
ejif-3269	176	5	product	product	NOUN
ejif-3269	176	6	design	design	NOUN
ejif-3269	176	7	and	and	CCONJ
ejif-3269	176	8	offering	offering	NOUN
ejif-3269	176	9	(	(	PUNCT
ejif-3269	176	10	cost	cost	VERB
ejif-3269	176	11	analysis	analysis	NOUN
ejif-3269	176	12	and	and	CCONJ
ejif-3269	176	13	cost	cost	NOUN
ejif-3269	176	14	savings	saving	NOUN
ejif-3269	176	15	identification	identification	NOUN
ejif-3269	176	16	for	for	ADP
ejif-3269	176	17	strategic	strategic	ADJ
ejif-3269	176	18	and	and	CCONJ
ejif-3269	176	19	functioning	function	VERB
ejif-3269	176	20	costs	cost	NOUN
ejif-3269	176	21	can	can	AUX
ejif-3269	176	22	decrease	decrease	VERB
ejif-3269	176	23	costs	cost	NOUN
ejif-3269	176	24	in	in	ADP
ejif-3269	176	25	some	some	DET
ejif-3269	176	26	cases	case	NOUN
ejif-3269	176	27	by	by	ADP
ejif-3269	176	28	up	up	ADP
ejif-3269	176	29	to	to	PART
ejif-3269	176	30	30	30	NUM
ejif-3269	176	31	%	%	NOUN
ejif-3269	176	32	.	.	PUNCT
ejif-3269	176	33	)	)	PUNCT
ejif-3269	177	1	3	3	X
ejif-3269	177	2	.	.	X
ejif-3269	177	3	performance	performance	NOUN
ejif-3269	177	4	management	management	NOUN
ejif-3269	177	5	supervising	supervising	NOUN
ejif-3269	177	6	and	and	CCONJ
ejif-3269	177	7	rewarding	reward	VERB
ejif-3269	177	8	the	the	DET
ejif-3269	177	9	most	most	ADV
ejif-3269	177	10	successful	successful	ADJ
ejif-3269	177	11	people	people	NOUN
ejif-3269	177	12	are	be	AUX
ejif-3269	177	13	the	the	DET
ejif-3269	177	14	clue	clue	NOUN
ejif-3269	177	15	to	to	ADP
ejif-3269	177	16	improving	improve	VERB
ejif-3269	177	17	performance	performance	NOUN
ejif-3269	177	18	surfaces	surface	NOUN
ejif-3269	177	19	.	.	PUNCT
ejif-3269	178	1	remunerations	remuneration	NOUN
ejif-3269	178	2	can	can	AUX
ejif-3269	178	3	be	be	AUX
ejif-3269	178	4	financially	financially	ADV
ejif-3269	178	5	,	,	PUNCT
ejif-3269	178	6	career	career	NOUN
ejif-3269	178	7	progression	progression	NOUN
ejif-3269	178	8	,	,	PUNCT
ejif-3269	178	9	or	or	CCONJ
ejif-3269	178	10	introduction	introduction	NOUN
ejif-3269	178	11	of	of	ADP
ejif-3269	178	12	people	people	NOUN
ejif-3269	178	13	in	in	ADP
ejif-3269	178	14	an	an	DET
ejif-3269	178	15	organization[23	organization[23	NOUN
ejif-3269	178	16	]	]	PUNCT
ejif-3269	178	17	.	.	PUNCT
ejif-3269	179	1	an	an	DET
ejif-3269	179	2	appropriate	appropriate	ADJ
ejif-3269	179	3	and	and	CCONJ
ejif-3269	179	4	structured	structured	ADJ
ejif-3269	179	5	motivational	motivational	ADJ
ejif-3269	179	6	system	system	NOUN
ejif-3269	179	7	can	can	AUX
ejif-3269	179	8	be	be	AUX
ejif-3269	179	9	a	a	DET
ejif-3269	179	10	powerful	powerful	ADJ
ejif-3269	179	11	tool	tool	NOUN
ejif-3269	179	12	for	for	ADP
ejif-3269	179	13	maintaining	maintain	VERB
ejif-3269	179	14	employees	employee	NOUN
ejif-3269	179	15	,	,	PUNCT
ejif-3269	179	16	especially	especially	ADV
ejif-3269	179	17	in	in	ADP
ejif-3269	179	18	islamic	islamic	ADJ
ejif-3269	179	19	banking	banking	NOUN
ejif-3269	179	20	,	,	PUNCT
ejif-3269	179	21	which	which	PRON
ejif-3269	179	22	has	have	VERB
ejif-3269	179	23	a	a	DET
ejif-3269	179	24	deficiency	deficiency	NOUN
ejif-3269	179	25	of	of	ADP
ejif-3269	179	26	experienced	experienced	ADJ
ejif-3269	179	27	human	human	ADJ
ejif-3269	179	28	resources	resource	NOUN
ejif-3269	179	29	.	.	PUNCT
ejif-3269	180	1	the	the	DET
ejif-3269	180	2	key	key	ADJ
ejif-3269	180	3	factor	factor	NOUN
ejif-3269	180	4	here	here	ADV
ejif-3269	180	5	is	be	AUX
ejif-3269	180	6	the	the	DET
ejif-3269	180	7	direct	direct	ADJ
ejif-3269	180	8	linking	linking	NOUN
ejif-3269	180	9	of	of	ADP
ejif-3269	180	10	rewards	reward	NOUN
ejif-3269	180	11	to	to	PART
ejif-3269	180	12	implement	implement	VERB
ejif-3269	180	13	actions	action	NOUN
ejif-3269	180	14	that	that	PRON
ejif-3269	180	15	have	have	AUX
ejif-3269	180	16	already	already	ADV
ejif-3269	180	17	been	be	AUX
ejif-3269	180	18	defined	define	VERB
ejif-3269	180	19	at	at	ADP
ejif-3269	180	20	employee	employee	NOUN
ejif-3269	180	21	level	level	NOUN
ejif-3269	180	22	(	(	PUNCT
ejif-3269	180	23	so	so	SCONJ
ejif-3269	180	24	that	that	SCONJ
ejif-3269	180	25	improvements	improvement	NOUN
ejif-3269	180	26	can	can	AUX
ejif-3269	180	27	be	be	AUX
ejif-3269	180	28	made	make	VERB
ejif-3269	180	29	at	at	ADP
ejif-3269	180	30	a	a	DET
ejif-3269	180	31	high	high	ADJ
ejif-3269	180	32	cost	cost	NOUN
ejif-3269	180	33	)	)	PUNCT
ejif-3269	180	34	.	.	PUNCT
ejif-3269	181	1	viii	viii	PROPN
ejif-3269	181	2	.	.	PUNCT
ejif-3269	182	1	summary	summary	NOUN
ejif-3269	182	2	and	and	CCONJ
ejif-3269	182	3	conclusion	conclusion	NOUN
ejif-3269	182	4	this	this	DET
ejif-3269	182	5	study	study	NOUN
ejif-3269	182	6	,	,	PUNCT
ejif-3269	182	7	however	however	ADV
ejif-3269	182	8	,	,	PUNCT
ejif-3269	182	9	focused	focus	VERB
ejif-3269	182	10	on	on	ADP
ejif-3269	182	11	the	the	DET
ejif-3269	182	12	islamic	islamic	ADJ
ejif-3269	182	13	banking	banking	NOUN
ejif-3269	182	14	segment	segment	NOUN
ejif-3269	182	15	only	only	ADV
ejif-3269	182	16	;	;	PUNCT
ejif-3269	182	17	and	and	CCONJ
ejif-3269	182	18	noted	note	VERB
ejif-3269	182	19	that	that	SCONJ
ejif-3269	182	20	there	there	PRON
ejif-3269	182	21	are	be	VERB
ejif-3269	182	22	also	also	ADV
ejif-3269	182	23	new	new	ADJ
ejif-3269	182	24	instruments	instrument	NOUN
ejif-3269	182	25	for	for	ADP
ejif-3269	182	26	financing	financing	NOUN
ejif-3269	182	27	and	and	CCONJ
ejif-3269	182	28	capital	capital	NOUN
ejif-3269	182	29	market	market	NOUN
ejif-3269	182	30	products	product	NOUN
ejif-3269	182	31	,	,	PUNCT
ejif-3269	182	32	islamic	islamic	ADJ
ejif-3269	182	33	banks	bank	NOUN
ejif-3269	182	34	were	be	AUX
ejif-3269	182	35	among	among	ADP
ejif-3269	182	36	the	the	DET
ejif-3269	182	37	first	first	ADJ
ejif-3269	182	38	categories	category	NOUN
ejif-3269	182	39	of	of	ADP
ejif-3269	182	40	financial	financial	ADJ
ejif-3269	182	41	institutions	institution	NOUN
ejif-3269	182	42	that	that	PRON
ejif-3269	182	43	emerged	emerge	VERB
ejif-3269	182	44	in	in	ADP
ejif-3269	182	45	islamic	islamic	ADJ
ejif-3269	182	46	financial	financial	PROPN
ejif-3269	182	47	services	service	NOUN
ejif-3269	182	48	industry	industry	NOUN
ejif-3269	182	49	.	.	PUNCT
ejif-3269	183	1	as	as	SCONJ
ejif-3269	183	2	this	this	DET
ejif-3269	183	3	industry	industry	NOUN
ejif-3269	183	4	expanded	expand	VERB
ejif-3269	183	5	,	,	PUNCT
ejif-3269	183	6	and	and	CCONJ
ejif-3269	183	7	as	as	SCONJ
ejif-3269	183	8	the	the	DET
ejif-3269	183	9	conventional	conventional	ADJ
ejif-3269	183	10	financial	financial	ADJ
ejif-3269	183	11	sector	sector	NOUN
ejif-3269	183	12	in	in	ADP
ejif-3269	183	13	mena	mena	PROPN
ejif-3269	183	14	countries	country	NOUN
ejif-3269	183	15	diversified	diversify	VERB
ejif-3269	183	16	into	into	ADP
ejif-3269	183	17	capital	capital	NOUN
ejif-3269	183	18	markets	market	NOUN
ejif-3269	183	19	and	and	CCONJ
ejif-3269	183	20	other	other	ADJ
ejif-3269	183	21	segments	segment	NOUN
ejif-3269	183	22	,	,	PUNCT
ejif-3269	183	23	many	many	ADJ
ejif-3269	183	24	islamic	islamic	ADJ
ejif-3269	183	25	non	non	ADJ
ejif-3269	183	26	-	-	ADJ
ejif-3269	183	27	bank	bank	ADJ
ejif-3269	183	28	financial	financial	ADJ
ejif-3269	183	29	institutions	institution	NOUN
ejif-3269	183	30	and	and	CCONJ
ejif-3269	183	31	services	service	NOUN
ejif-3269	183	32	also	also	ADV
ejif-3269	183	33	emerged	emerge	VERB
ejif-3269	183	34	in	in	ADP
ejif-3269	183	35	islamic	islamic	ADJ
ejif-3269	183	36	finance	finance	NOUN
ejif-3269	183	37	.	.	PUNCT
ejif-3269	184	1	now	now	ADV
ejif-3269	184	2	the	the	DET
ejif-3269	184	3	islamic	islamic	ADJ
ejif-3269	184	4	financial	financial	PROPN
ejif-3269	184	5	services	service	NOUN
ejif-3269	184	6	industry	industry	NOUN
ejif-3269	184	7	is	be	AUX
ejif-3269	184	8	not	not	PART
ejif-3269	184	9	only	only	ADV
ejif-3269	184	10	composed	compose	VERB
ejif-3269	184	11	of	of	ADP
ejif-3269	184	12	islamic	islamic	ADJ
ejif-3269	184	13	banks	bank	NOUN
ejif-3269	184	14	but	but	CCONJ
ejif-3269	184	15	also	also	ADV
ejif-3269	184	16	includes	include	VERB
ejif-3269	184	17	investment	investment	NOUN
ejif-3269	184	18	and	and	CCONJ
ejif-3269	184	19	mutual	mutual	ADJ
ejif-3269	184	20	funds	fund	NOUN
ejif-3269	184	21	,	,	PUNCT
ejif-3269	184	22	project	project	NOUN
ejif-3269	184	23	finance	finance	NOUN
ejif-3269	184	24	companies	company	NOUN
ejif-3269	184	25	and	and	CCONJ
ejif-3269	184	26	takaful	takaful	ADJ
ejif-3269	184	27	institutions.[26	institutions.[26	PROPN
ejif-3269	184	28	]	]	PUNCT
ejif-3269	184	29	the	the	DET
ejif-3269	184	30	growth	growth	NOUN
ejif-3269	184	31	of	of	ADP
ejif-3269	184	32	islamic	islamic	ADJ
ejif-3269	184	33	banking	banking	NOUN
ejif-3269	184	34	in	in	ADP
ejif-3269	184	35	recent	recent	ADJ
ejif-3269	184	36	years	year	NOUN
ejif-3269	184	37	has	have	AUX
ejif-3269	184	38	promising	promise	VERB
ejif-3269	184	39	a	a	DET
ejif-3269	184	40	bright	bright	ADJ
ejif-3269	184	41	future	future	NOUN
ejif-3269	184	42	in	in	ADP
ejif-3269	184	43	this	this	DET
ejif-3269	184	44	area	area	NOUN
ejif-3269	184	45	.	.	PUNCT
ejif-3269	185	1	but	but	CCONJ
ejif-3269	185	2	along	along	ADP
ejif-3269	185	3	with	with	ADP
ejif-3269	185	4	increasing	increase	VERB
ejif-3269	185	5	competition	competition	NOUN
ejif-3269	185	6	and	and	CCONJ
ejif-3269	185	7	some	some	DET
ejif-3269	185	8	recent	recent	ADJ
ejif-3269	185	9	signs	sign	NOUN
ejif-3269	185	10	of	of	ADP
ejif-3269	185	11	this	this	DET
ejif-3269	185	12	growth	growth	NOUN
ejif-3269	185	13	has	have	AUX
ejif-3269	185	14	declined	decline	VERB
ejif-3269	185	15	,	,	PUNCT
ejif-3269	185	16	so	so	CCONJ
ejif-3269	185	17	it	it	PRON
ejif-3269	185	18	is	be	AUX
ejif-3269	185	19	necessary	necessary	ADJ
ejif-3269	185	20	for	for	SCONJ
ejif-3269	185	21	the	the	DET
ejif-3269	185	22	financial	financial	ADJ
ejif-3269	185	23	institutions	institution	NOUN
ejif-3269	185	24	and	and	CCONJ
ejif-3269	185	25	islamic	islamic	ADJ
ejif-3269	185	26	banks	bank	NOUN
ejif-3269	185	27	to	to	PART
ejif-3269	185	28	do	do	VERB
ejif-3269	185	29	many	many	ADJ
ejif-3269	185	30	things	thing	NOUN
ejif-3269	185	31	.	.	PUNCT
ejif-3269	186	1	in	in	ADP
ejif-3269	186	2	islamic	islamic	ADJ
ejif-3269	186	3	banking	banking	NOUN
ejif-3269	186	4	,	,	PUNCT
ejif-3269	186	5	with	with	ADP
ejif-3269	186	6	any	any	DET
ejif-3269	186	7	strategy	strategy	NOUN
ejif-3269	186	8	that	that	PRON
ejif-3269	186	9	a	a	DET
ejif-3269	186	10	strategy	strategy	NOUN
ejif-3269	186	11	focuses	focus	VERB
ejif-3269	186	12	on	on	ADP
ejif-3269	186	13	locating	locate	VERB
ejif-3269	186	14	in	in	ADP
ejif-3269	186	15	the	the	DET
ejif-3269	186	16	context	context	NOUN
ejif-3269	186	17	of	of	ADP
ejif-3269	186	18	,	,	PUNCT
ejif-3269	186	19	or	or	CCONJ
ejif-3269	186	20	competing	compete	VERB
ejif-3269	186	21	with	with	ADP
ejif-3269	186	22	,	,	PUNCT
ejif-3269	186	23	conventional	conventional	ADJ
ejif-3269	186	24	banks	bank	NOUN
ejif-3269	186	25	either	either	CCONJ
ejif-3269	186	26	face	face	NOUN
ejif-3269	186	27	-	-	PUNCT
ejif-3269	186	28	to	to	ADP
ejif-3269	186	29	-	-	PUNCT
ejif-3269	186	30	face	face	NOUN
ejif-3269	186	31	or	or	CCONJ
ejif-3269	186	32	a	a	DET
ejif-3269	186	33	combination	combination	NOUN
ejif-3269	186	34	of	of	ADP
ejif-3269	186	35	both	both	PRON
ejif-3269	186	36	,	,	PUNCT
ejif-3269	186	37	sustaining	sustain	VERB
ejif-3269	186	38	growth	growth	NOUN
ejif-3269	186	39	requires	require	VERB
ejif-3269	186	40	more	more	ADJ
ejif-3269	186	41	efficiency	efficiency	NOUN
ejif-3269	186	42	along	along	ADP
ejif-3269	186	43	the	the	DET
ejif-3269	186	44	supply	supply	NOUN
ejif-3269	186	45	chain	chain	NOUN
ejif-3269	186	46	.	.	PUNCT
ejif-3269	187	1	the	the	DET
ejif-3269	187	2	islamic	islamic	PROPN
ejif-3269	187	3	finance	finance	NOUN
ejif-3269	187	4	industry	industry	NOUN
ejif-3269	187	5	is	be	AUX
ejif-3269	187	6	in	in	ADP
ejif-3269	187	7	the	the	DET
ejif-3269	187	8	midst	midst	NOUN
ejif-3269	187	9	of	of	ADP
ejif-3269	187	10	a	a	DET
ejif-3269	187	11	phenomenal	phenomenal	ADJ
ejif-3269	187	12	expansionary	expansionary	ADJ
ejif-3269	187	13	phase	phase	NOUN
ejif-3269	187	14	,	,	PUNCT
ejif-3269	187	15	exhibiting	exhibit	VERB
ejif-3269	187	16	average	average	ADJ
ejif-3269	187	17	annual	annual	ADJ
ejif-3269	187	18	grown	grow	VERB
ejif-3269	187	19	rates	rate	NOUN
ejif-3269	187	20	of	of	ADP
ejif-3269	187	21	about	about	ADV
ejif-3269	187	22	15	15	NUM
ejif-3269	187	23	per	per	ADP
ejif-3269	187	24	cent	cent	NOUN
ejif-3269	187	25	in	in	ADP
ejif-3269	187	26	recent	recent	ADJ
ejif-3269	187	27	years	year	NOUN
ejif-3269	187	28	.	.	PUNCT
ejif-3269	188	1	this	this	DET
ejif-3269	188	2	rapid	rapid	ADJ
ejif-3269	188	3	growth	growth	NOUN
ejif-3269	188	4	has	have	AUX
ejif-3269	188	5	been	be	AUX
ejif-3269	188	6	fueled	fuel	VERB
ejif-3269	188	7	not	not	PART
ejif-3269	188	8	only	only	ADV
ejif-3269	188	9	by	by	ADP
ejif-3269	188	10	surging	surge	VERB
ejif-3269	188	11	demand	demand	NOUN
ejif-3269	188	12	for	for	ADP
ejif-3269	188	13	sharia	sharia	NOUN
ejif-3269	188	14	-	-	PUNCT
ejif-3269	188	15	compliant	compliant	ADJ
ejif-3269	188	16	products	product	NOUN
ejif-3269	188	17	from	from	ADP
ejif-3269	188	18	financiers	financier	NOUN
ejif-3269	188	19	from	from	ADP
ejif-3269	188	20	the	the	DET
ejif-3269	188	21	middle	middle	PROPN
ejif-3269	188	22	east	east	PROPN
ejif-3269	188	23	and	and	CCONJ
ejif-3269	188	24	other	other	ADJ
ejif-3269	188	25	muslim	muslim	ADJ
ejif-3269	188	26	countries	country	NOUN
ejif-3269	188	27	but	but	CCONJ
ejif-3269	188	28	also	also	ADV
ejif-3269	188	29	by	by	ADP
ejif-3269	188	30	investors	investor	NOUN
ejif-3269	188	31	around	around	ADP
ejif-3269	188	32	the	the	DET
ejif-3269	188	33	world	world	NOUN
ejif-3269	188	34	,	,	PUNCT
ejif-3269	188	35	thus	thus	ADV
ejif-3269	188	36	rendering	render	VERB
ejif-3269	188	37	the	the	DET
ejif-3269	188	38	expansion	expansion	NOUN
ejif-3269	188	39	of	of	ADP
ejif-3269	188	40	islamic	islamic	PROPN
ejif-3269	188	41	finance	finance	PROPN
ejif-3269	188	42	a	a	DET
ejif-3269	188	43	global	global	ADJ
ejif-3269	188	44	phenomenon[8	phenomenon[8	NOUN
ejif-3269	188	45	]	]	PUNCT
ejif-3269	188	46	.	.	PUNCT
ejif-3269	189	1	new	new	ADJ
ejif-3269	189	2	product	product	NOUN
ejif-3269	189	3	innovation	innovation	NOUN
ejif-3269	189	4	is	be	AUX
ejif-3269	189	5	also	also	ADV
ejif-3269	189	6	driven	drive	VERB
ejif-3269	189	7	by	by	ADP
ejif-3269	189	8	domestic	domestic	ADJ
ejif-3269	189	9	banks	bank	NOUN
ejif-3269	189	10	’	’	PART
ejif-3269	189	11	interest	interest	NOUN
ejif-3269	189	12	in	in	ADP
ejif-3269	189	13	risk	risk	NOUN
ejif-3269	189	14	diversification	diversification	NOUN
ejif-3269	189	15	.	.	PUNCT
ejif-3269	190	1	with	with	ADP
ejif-3269	190	2	a	a	DET
ejif-3269	190	3	large	large	ADJ
ejif-3269	190	4	number	number	NOUN
ejif-3269	190	5	of	of	ADP
ejif-3269	190	6	new	new	ADJ
ejif-3269	190	7	islamic	islamic	ADJ
ejif-3269	190	8	banks	bank	NOUN
ejif-3269	190	9	across	across	ADP
ejif-3269	190	10	the	the	DET
ejif-3269	190	11	middle	middle	PROPN
ejif-3269	190	12	east	east	PROPN
ejif-3269	190	13	and	and	CCONJ
ejif-3269	190	14	asia	asia	PROPN
ejif-3269	190	15	especially	especially	ADV
ejif-3269	190	16	,	,	PUNCT
ejif-3269	190	17	diversification	diversification	NOUN
ejif-3269	190	18	of	of	ADP
ejif-3269	190	19	products	product	NOUN
ejif-3269	190	20	enables	enable	VERB
ejif-3269	190	21	banks	bank	NOUN
ejif-3269	190	22	to	to	PART
ejif-3269	190	23	offer	offer	VERB
ejif-3269	190	24	the	the	DET
ejif-3269	190	25	right	right	ADJ
ejif-3269	190	26	product	product	NOUN
ejif-3269	190	27	mix	mix	NOUN
ejif-3269	190	28	to	to	ADP
ejif-3269	190	29	more	more	ADV
ejif-3269	190	30	sophisticated	sophisticated	ADJ
ejif-3269	190	31	clients	client	NOUN
ejif-3269	190	32	.	.	PUNCT
ejif-3269	191	1	a	a	DET
ejif-3269	191	2	few	few	ADJ
ejif-3269	191	3	banks	bank	NOUN
ejif-3269	191	4	are	be	AUX
ejif-3269	191	5	already	already	ADV
ejif-3269	191	6	active	active	ADJ
ejif-3269	191	7	across	across	ADP
ejif-3269	191	8	different	different	ADJ
ejif-3269	191	9	jurisdictions	jurisdiction	NOUN
ejif-3269	191	10	,	,	PUNCT
ejif-3269	191	11	and	and	CCONJ
ejif-3269	191	12	this	this	DET
ejif-3269	191	13	trend	trend	NOUN
ejif-3269	191	14	is	be	AUX
ejif-3269	191	15	certainly	certainly	ADV
ejif-3269	191	16	going	go	VERB
ejif-3269	191	17	to	to	PART
ejif-3269	191	18	continue	continue	VERB
ejif-3269	191	19	in	in	ADP
ejif-3269	191	20	the	the	DET
ejif-3269	191	21	near	near	ADJ
ejif-3269	191	22	future	future	NOUN
ejif-3269	191	23	with	with	ADP
ejif-3269	191	24	possibly	possibly	ADV
ejif-3269	191	25	some	some	DET
ejif-3269	191	26	consolidation	consolidation	NOUN
ejif-3269	191	27	.	.	PUNCT
ejif-3269	192	1	infrastructure	infrastructure	NOUN
ejif-3269	192	2	plays	play	VERB
ejif-3269	192	3	an	an	DET
ejif-3269	192	4	important	important	ADJ
ejif-3269	192	5	role	role	NOUN
ejif-3269	192	6	in	in	ADP
ejif-3269	192	7	supporting	support	VERB
ejif-3269	192	8	a	a	DET
ejif-3269	192	9	nation	nation	NOUN
ejif-3269	192	10	's	's	PART
ejif-3269	192	11	economic	economic	ADJ
ejif-3269	192	12	growth	growth	NOUN
ejif-3269	192	13	[	[	X
ejif-3269	192	14	29	29	NUM
ejif-3269	192	15	-	-	SYM
ejif-3269	192	16	31	31	NUM
ejif-3269	192	17	]	]	PUNCT
ejif-3269	192	18	.	.	PUNCT
ejif-3269	193	1	islamic	islamic	ADJ
ejif-3269	193	2	banks	bank	NOUN
ejif-3269	193	3	,	,	PUNCT
ejif-3269	193	4	which	which	PRON
ejif-3269	193	5	are	be	AUX
ejif-3269	193	6	already	already	ADV
ejif-3269	193	7	focusing	focus	VERB
ejif-3269	193	8	on	on	ADP
ejif-3269	193	9	strategic	strategic	ADJ
ejif-3269	193	10	and	and	CCONJ
ejif-3269	193	11	basic	basic	ADJ
ejif-3269	193	12	operations	operation	NOUN
ejif-3269	193	13	and	and	CCONJ
ejif-3269	193	14	infrastructure	infrastructure	NOUN
ejif-3269	193	15	,	,	PUNCT
ejif-3269	193	16	will	will	AUX
ejif-3269	193	17	be	be	AUX
ejif-3269	193	18	in	in	ADP
ejif-3269	193	19	a	a	DET
ejif-3269	193	20	more	more	ADV
ejif-3269	193	21	formidable	formidable	ADJ
ejif-3269	193	22	circumstances	circumstance	NOUN
ejif-3269	193	23	in	in	ADP
ejif-3269	193	24	regards	regard	NOUN
ejif-3269	193	25	to	to	PART
ejif-3269	193	26	achieve	achieve	VERB
ejif-3269	193	27	pristine	pristine	ADJ
ejif-3269	193	28	ejif	ejif	PROPN
ejif-3269	193	29	–	–	PUNCT
ejif-3269	193	30	european	european	PROPN
ejif-3269	193	31	journal	journal	PROPN
ejif-3269	193	32	of	of	ADP
ejif-3269	193	33	islamic	islamic	PROPN
ejif-3269	193	34	finance	finance	PROPN
ejif-3269	193	35	no	no	DET
ejif-3269	193	36	12	12	NUM
ejif-3269	193	37	,	,	PUNCT
ejif-3269	193	38	april	april	PROPN
ejif-3269	193	39	(	(	PUNCT
ejif-3269	193	40	2019	2019	NUM
ejif-3269	193	41	)	)	PUNCT
ejif-3269	194	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3269	194	2	issn	issn	VERB
ejif-3269	194	3	2421	2421	NUM
ejif-3269	194	4	-	-	SYM
ejif-3269	194	5	2172	2172	NUM
ejif-3269	194	6	7	7	NUM
ejif-3269	194	7	market	market	NOUN
ejif-3269	194	8	opportunities	opportunity	NOUN
ejif-3269	194	9	and	and	CCONJ
ejif-3269	194	10	manage	manage	VERB
ejif-3269	194	11	dynamic	dynamic	ADJ
ejif-3269	194	12	variables	variable	NOUN
ejif-3269	194	13	in	in	ADP
ejif-3269	194	14	their	their	PRON
ejif-3269	194	15	industry	industry	NOUN
ejif-3269	194	16	.	.	PUNCT
ejif-3269	195	1	references	reference	NOUN
ejif-3269	195	2	[	[	X
ejif-3269	195	3	1	1	NUM
ejif-3269	195	4	]	]	PUNCT
ejif-3269	195	5	p.	p.	NOUN
ejif-3269	195	6	p.	p.	NOUN
ejif-3269	195	7	biancone	biancone	NOUN
ejif-3269	195	8	and	and	CCONJ
ejif-3269	195	9	m.	m.	NOUN
ejif-3269	195	10	radwan	radwan	NOUN
ejif-3269	195	11	,	,	PUNCT
ejif-3269	195	12	“	"	PUNCT
ejif-3269	195	13	social	social	ADJ
ejif-3269	195	14	finance	finance	NOUN
ejif-3269	195	15	and	and	CCONJ
ejif-3269	195	16	unconventional	unconventional	ADJ
ejif-3269	195	17	financing	financing	NOUN
ejif-3269	195	18	alternatives	alternative	NOUN
ejif-3269	195	19	:	:	PUNCT
ejif-3269	195	20	an	an	DET
ejif-3269	195	21	overview	overview	NOUN
ejif-3269	195	22	,	,	PUNCT
ejif-3269	195	23	”	"	PUNCT
ejif-3269	195	24	p.	p.	NOUN
ejif-3269	195	25	6	6	NUM
ejif-3269	195	26	,	,	PUNCT
ejif-3269	195	27	2018	2018	NUM
ejif-3269	195	28	.	.	PUNCT
ejif-3269	196	1	[	[	X
ejif-3269	196	2	2	2	X
ejif-3269	196	3	]	]	PUNCT
ejif-3269	196	4	v.	v.	PROPN
ejif-3269	196	5	j.	j.	PROPN
ejif-3269	196	6	sadeghi	sadeghi	PROPN
ejif-3269	196	7	and	and	CCONJ
ejif-3269	196	8	p.	p.	PROPN
ejif-3269	196	9	p.	p.	PROPN
ejif-3269	196	10	biancone	biancone	NOUN
ejif-3269	196	11	,	,	PUNCT
ejif-3269	196	12	“	"	PUNCT
ejif-3269	196	13	shariah	shariah	PROPN
ejif-3269	196	14	-	-	PUNCT
ejif-3269	196	15	compliant	compliant	ADJ
ejif-3269	196	16	international	international	ADJ
ejif-3269	196	17	entrepreneurship	entrepreneurship	NOUN
ejif-3269	196	18	:	:	PUNCT
ejif-3269	196	19	a	a	DET
ejif-3269	196	20	study	study	NOUN
ejif-3269	196	21	of	of	ADP
ejif-3269	196	22	islamic	islamic	ADJ
ejif-3269	196	23	finance	finance	PROPN
ejif-3269	196	24	in	in	ADP
ejif-3269	196	25	europe	europe	PROPN
ejif-3269	196	26	,	,	PUNCT
ejif-3269	196	27	”	"	PUNCT
ejif-3269	196	28	p.	p.	NOUN
ejif-3269	196	29	8	8	NUM
ejif-3269	196	30	,	,	PUNCT
ejif-3269	196	31	2017	2017	NUM
ejif-3269	196	32	.	.	PUNCT
ejif-3269	197	1	[	[	X
ejif-3269	197	2	3	3	X
ejif-3269	197	3	]	]	PUNCT
ejif-3269	197	4	p.	p.	NOUN
ejif-3269	197	5	p.	p.	NOUN
ejif-3269	197	6	biancone	biancone	NOUN
ejif-3269	197	7	and	and	CCONJ
ejif-3269	197	8	m.	m.	NOUN
ejif-3269	197	9	radwan	radwan	NOUN
ejif-3269	197	10	,	,	PUNCT
ejif-3269	197	11	“	"	PUNCT
ejif-3269	197	12	social	social	ADJ
ejif-3269	197	13	finance	finance	NOUN
ejif-3269	197	14	and	and	CCONJ
ejif-3269	197	15	financing	finance	VERB
ejif-3269	197	16	social	social	ADJ
ejif-3269	197	17	enterprises	enterprise	NOUN
ejif-3269	197	18	:	:	PUNCT
ejif-3269	197	19	an	an	DET
ejif-3269	197	20	islamic	islamic	ADJ
ejif-3269	197	21	finance	finance	NOUN
ejif-3269	197	22	perspective	perspective	NOUN
ejif-3269	197	23	,	,	PUNCT
ejif-3269	197	24	”	"	PUNCT
ejif-3269	197	25	p.	p.	NOUN
ejif-3269	197	26	7	7	NUM
ejif-3269	197	27	,	,	PUNCT
ejif-3269	197	28	2019	2019	NUM
ejif-3269	197	29	.	.	PUNCT
ejif-3269	198	1	[	[	X
ejif-3269	198	2	4	4	NUM
ejif-3269	198	3	]	]	PUNCT
ejif-3269	198	4	m.	m.	NOUN
ejif-3269	198	5	mansoor	mansoor	PROPN
ejif-3269	198	6	khan	khan	PROPN
ejif-3269	198	7	and	and	CCONJ
ejif-3269	198	8	m.	m.	PROPN
ejif-3269	198	9	ishaq	ishaq	PROPN
ejif-3269	198	10	bhatti	bhatti	PROPN
ejif-3269	198	11	,	,	PUNCT
ejif-3269	198	12	“	"	PUNCT
ejif-3269	198	13	islamic	islamic	ADJ
ejif-3269	198	14	banking	banking	NOUN
ejif-3269	198	15	and	and	CCONJ
ejif-3269	198	16	finance	finance	NOUN
ejif-3269	198	17	:	:	PUNCT
ejif-3269	198	18	on	on	ADP
ejif-3269	198	19	its	its	PRON
ejif-3269	198	20	way	way	NOUN
ejif-3269	198	21	to	to	ADP
ejif-3269	198	22	globalization	globalization	NOUN
ejif-3269	198	23	,	,	PUNCT
ejif-3269	198	24	”	"	PUNCT
ejif-3269	198	25	managerial	managerial	ADJ
ejif-3269	198	26	finance	finance	NOUN
ejif-3269	198	27	,	,	PUNCT
ejif-3269	198	28	vol	vol	NOUN
ejif-3269	198	29	.	.	PROPN
ejif-3269	199	1	34	34	NUM
ejif-3269	199	2	,	,	PUNCT
ejif-3269	199	3	no	no	INTJ
ejif-3269	199	4	.	.	NOUN
ejif-3269	199	5	10	10	NUM
ejif-3269	199	6	,	,	PUNCT
ejif-3269	199	7	pp	pp	ADJ
ejif-3269	199	8	.	.	PUNCT
ejif-3269	200	1	708–725	708–725	NUM
ejif-3269	200	2	,	,	PUNCT
ejif-3269	200	3	aug	aug	PROPN
ejif-3269	200	4	.	.	PROPN
ejif-3269	200	5	2008	2008	NUM
ejif-3269	200	6	.	.	PUNCT
ejif-3269	201	1	[	[	X
ejif-3269	201	2	5	5	X
ejif-3269	201	3	]	]	PUNCT
ejif-3269	201	4	m.	m.	NOUN
ejif-3269	201	5	iqbal	iqbal	PROPN
ejif-3269	201	6	and	and	CCONJ
ejif-3269	201	7	r.	r.	PROPN
ejif-3269	201	8	wilson	wilson	PROPN
ejif-3269	201	9	,	,	PUNCT
ejif-3269	201	10	islamic	islamic	ADJ
ejif-3269	201	11	perspectives	perspective	NOUN
ejif-3269	201	12	on	on	ADP
ejif-3269	201	13	wealth	wealth	NOUN
ejif-3269	201	14	creation	creation	NOUN
ejif-3269	201	15	.	.	PUNCT
ejif-3269	202	1	edinburgh	edinburgh	PROPN
ejif-3269	202	2	university	university	PROPN
ejif-3269	202	3	press	press	NOUN
ejif-3269	202	4	,	,	PUNCT
ejif-3269	202	5	2005	2005	NUM
ejif-3269	202	6	.	.	PUNCT
ejif-3269	203	1	[	[	X
ejif-3269	203	2	6	6	NUM
ejif-3269	203	3	]	]	PUNCT
ejif-3269	203	4	m.	m.	NOUN
ejif-3269	203	5	obaidullah	obaidullah	NOUN
ejif-3269	203	6	and	and	CCONJ
ejif-3269	203	7	t.	t.	PROPN
ejif-3269	203	8	khan	khan	PROPN
ejif-3269	203	9	,	,	PUNCT
ejif-3269	203	10	“	"	PUNCT
ejif-3269	203	11	islamic	islamic	ADJ
ejif-3269	203	12	microfinance	microfinance	NOUN
ejif-3269	203	13	development	development	NOUN
ejif-3269	203	14	:	:	PUNCT
ejif-3269	203	15	challenges	challenge	NOUN
ejif-3269	203	16	and	and	CCONJ
ejif-3269	203	17	initiatives	initiative	NOUN
ejif-3269	203	18	,	,	PUNCT
ejif-3269	203	19	”	"	PUNCT
ejif-3269	203	20	ssrn	ssrn	PROPN
ejif-3269	203	21	electronic	electronic	ADJ
ejif-3269	203	22	journal	journal	NOUN
ejif-3269	203	23	,	,	PUNCT
ejif-3269	203	24	2008	2008	NUM
ejif-3269	203	25	.	.	PUNCT
ejif-3269	204	1	[	[	X
ejif-3269	204	2	7	7	X
ejif-3269	204	3	]	]	PUNCT
ejif-3269	204	4	p.	p.	NOUN
ejif-3269	204	5	p.	p.	NOUN
ejif-3269	204	6	biancone	biancone	NOUN
ejif-3269	204	7	and	and	CCONJ
ejif-3269	204	8	m.	m.	NOUN
ejif-3269	204	9	z.	z.	PROPN
ejif-3269	204	10	shakhatreh	shakhatreh	PROPN
ejif-3269	204	11	,	,	PUNCT
ejif-3269	204	12	“	"	PUNCT
ejif-3269	204	13	using	use	VERB
ejif-3269	204	14	islamic	islamic	ADJ
ejif-3269	204	15	finance	finance	NOUN
ejif-3269	204	16	for	for	ADP
ejif-3269	204	17	infrastructure	infrastructure	NOUN
ejif-3269	204	18	projects	project	NOUN
ejif-3269	204	19	in	in	ADP
ejif-3269	204	20	non	non	ADJ
ejif-3269	204	21	-	-	ADJ
ejif-3269	204	22	muslim	muslim	ADJ
ejif-3269	204	23	countries	country	NOUN
ejif-3269	204	24	,	,	PUNCT
ejif-3269	204	25	”	"	PUNCT
ejif-3269	204	26	p.	p.	NOUN
ejif-3269	204	27	9	9	NUM
ejif-3269	204	28	,	,	PUNCT
ejif-3269	204	29	2015	2015	NUM
ejif-3269	204	30	.	.	PUNCT
ejif-3269	205	1	[	[	X
ejif-3269	205	2	8	8	X
ejif-3269	205	3	]	]	X
ejif-3269	205	4	h.	h.	PROPN
ejif-3269	205	5	hesse	hesse	PROPN
ejif-3269	205	6	,	,	PUNCT
ejif-3269	205	7	a.	a.	PROPN
ejif-3269	205	8	a.	a.	PROPN
ejif-3269	205	9	jobst	jobst	PROPN
ejif-3269	205	10	,	,	PUNCT
ejif-3269	205	11	and	and	CCONJ
ejif-3269	205	12	j.	j.	PROPN
ejif-3269	205	13	solé	solé	PROPN
ejif-3269	205	14	,	,	PUNCT
ejif-3269	205	15	“	"	PUNCT
ejif-3269	205	16	trends	trend	NOUN
ejif-3269	205	17	and	and	CCONJ
ejif-3269	205	18	challenges	challenge	NOUN
ejif-3269	205	19	in	in	ADP
ejif-3269	205	20	islamic	islamic	ADJ
ejif-3269	205	21	finance	finance	NOUN
ejif-3269	205	22	,	,	PUNCT
ejif-3269	205	23	”	"	PUNCT
ejif-3269	205	24	vol	vol	NOUN
ejif-3269	205	25	.	.	PROPN
ejif-3269	205	26	9	9	NUM
ejif-3269	205	27	,	,	PUNCT
ejif-3269	205	28	no	no	INTJ
ejif-3269	205	29	.	.	NOUN
ejif-3269	205	30	2	2	NUM
ejif-3269	205	31	,	,	PUNCT
ejif-3269	205	32	p.	p.	NOUN
ejif-3269	205	33	20	20	NUM
ejif-3269	205	34	,	,	PUNCT
ejif-3269	205	35	2008	2008	NUM
ejif-3269	205	36	.	.	PUNCT
ejif-3269	206	1	[	[	X
ejif-3269	206	2	9	9	X
ejif-3269	206	3	]	]	X
ejif-3269	206	4	muhammad	muhammad	PROPN
ejif-3269	206	5	ridhwan	ridhwan	PROPN
ejif-3269	206	6	ab	ab	PROPN
ejif-3269	206	7	.	.	PUNCT
ejif-3269	206	8	aziz	aziz	PROPN
ejif-3269	206	9	,	,	PUNCT
ejif-3269	206	10	introduction	introduction	NOUN
ejif-3269	206	11	to	to	ADP
ejif-3269	206	12	islamic	islamic	ADJ
ejif-3269	206	13	institutions	institution	NOUN
ejif-3269	206	14	in	in	ADP
ejif-3269	206	15	economics	economic	NOUN
ejif-3269	206	16	and	and	CCONJ
ejif-3269	206	17	finance	finance	NOUN
ejif-3269	206	18	.	.	PUNCT
ejif-3269	207	1	bandar	bandar	PROPN
ejif-3269	207	2	baru	baru	PROPN
ejif-3269	207	3	nilai	nilai	PROPN
ejif-3269	207	4	:	:	PUNCT
ejif-3269	207	5	usim	usim	PROPN
ejif-3269	207	6	publ	publ	NOUN
ejif-3269	207	7	,	,	PUNCT
ejif-3269	207	8	2012	2012	NUM
ejif-3269	207	9	.	.	PUNCT
ejif-3269	208	1	[	[	X
ejif-3269	208	2	10	10	NUM
ejif-3269	208	3	]	]	PUNCT
ejif-3269	208	4	t.	t.	PROPN
ejif-3269	208	5	beck	beck	PROPN
ejif-3269	208	6	,	,	PUNCT
ejif-3269	208	7	a.	a.	PROPN
ejif-3269	208	8	demirgüç	demirgüç	PROPN
ejif-3269	208	9	-	-	PUNCT
ejif-3269	208	10	kunt	kunt	PROPN
ejif-3269	208	11	,	,	PUNCT
ejif-3269	208	12	and	and	CCONJ
ejif-3269	208	13	o.	o.	PROPN
ejif-3269	208	14	merrouche	merrouche	PROPN
ejif-3269	208	15	,	,	PUNCT
ejif-3269	208	16	“	"	PUNCT
ejif-3269	208	17	islamic	islamic	X
ejif-3269	208	18	vs.	vs.	ADP
ejif-3269	208	19	conventional	conventional	ADJ
ejif-3269	208	20	banking	banking	NOUN
ejif-3269	208	21	:	:	PUNCT
ejif-3269	208	22	business	business	NOUN
ejif-3269	208	23	model	model	NOUN
ejif-3269	208	24	,	,	PUNCT
ejif-3269	208	25	efficiency	efficiency	NOUN
ejif-3269	208	26	and	and	CCONJ
ejif-3269	208	27	stability	stability	NOUN
ejif-3269	208	28	,	,	PUNCT
ejif-3269	208	29	”	"	PUNCT
ejif-3269	208	30	p.	p.	NOUN
ejif-3269	208	31	44	44	NUM
ejif-3269	208	32	,	,	PUNCT
ejif-3269	208	33	2010	2010	NUM
ejif-3269	208	34	.	.	PUNCT
ejif-3269	209	1	[	[	X
ejif-3269	209	2	11	11	NUM
ejif-3269	209	3	]	]	PUNCT
ejif-3269	209	4	m.	m.	NOUN
ejif-3269	209	5	a.	a.	PROPN
ejif-3269	209	6	el	el	PROPN
ejif-3269	209	7	-	-	PROPN
ejif-3269	209	8	gamal	gamal	PROPN
ejif-3269	209	9	,	,	PUNCT
ejif-3269	209	10	“	"	PUNCT
ejif-3269	209	11	a	a	DET
ejif-3269	209	12	basic	basic	ADJ
ejif-3269	209	13	guide	guide	NOUN
ejif-3269	209	14	to	to	ADP
ejif-3269	209	15	contemporary	contemporary	ADJ
ejif-3269	209	16	islamic	islamic	ADJ
ejif-3269	209	17	banking	banking	NOUN
ejif-3269	209	18	and	and	CCONJ
ejif-3269	209	19	finance	finance	NOUN
ejif-3269	209	20	,	,	PUNCT
ejif-3269	209	21	”	"	PUNCT
ejif-3269	209	22	p.	p.	NOUN
ejif-3269	209	23	49	49	NUM
ejif-3269	209	24	.	.	PUNCT
ejif-3269	210	1	[	[	X
ejif-3269	210	2	12	12	NUM
ejif-3269	210	3	]	]	X
ejif-3269	210	4	y.	y.	PROPN
ejif-3269	210	5	abdul	abdul	PROPN
ejif-3269	210	6	-	-	PUNCT
ejif-3269	210	7	rahman	rahman	PROPN
ejif-3269	210	8	,	,	PUNCT
ejif-3269	210	9	“	"	PUNCT
ejif-3269	210	10	islamic	islamic	ADJ
ejif-3269	210	11	instruments	instrument	NOUN
ejif-3269	210	12	for	for	ADP
ejif-3269	210	13	managing	manage	VERB
ejif-3269	210	14	liquidity	liquidity	NOUN
ejif-3269	210	15	,	,	PUNCT
ejif-3269	210	16	”	"	PUNCT
ejif-3269	210	17	vol	vol	NOUN
ejif-3269	210	18	.	.	PROPN
ejif-3269	210	19	1	1	NUM
ejif-3269	210	20	,	,	PUNCT
ejif-3269	210	21	p.	p.	NOUN
ejif-3269	210	22	7	7	NUM
ejif-3269	210	23	.	.	PUNCT
ejif-3269	211	1	[	[	X
ejif-3269	211	2	13	13	NUM
ejif-3269	211	3	]	]	PUNCT
ejif-3269	211	4	“	"	PUNCT
ejif-3269	211	5	world	world	NOUN
ejif-3269	211	6	islamic	islamic	ADJ
ejif-3269	211	7	banking	banking	NOUN
ejif-3269	211	8	competitiveness	competitiveness	NOUN
ejif-3269	211	9	report	report	NOUN
ejif-3269	211	10	2016	2016	NUM
ejif-3269	211	11	,	,	PUNCT
ejif-3269	211	12	”	"	PUNCT
ejif-3269	211	13	p.	p.	NOUN
ejif-3269	211	14	68	68	NUM
ejif-3269	211	15	.	.	PUNCT
ejif-3269	212	1	[	[	X
ejif-3269	212	2	14	14	NUM
ejif-3269	212	3	]	]	X
ejif-3269	212	4	p.	p.	NOUN
ejif-3269	212	5	imam	imam	PROPN
ejif-3269	212	6	and	and	CCONJ
ejif-3269	212	7	k.	k.	PROPN
ejif-3269	212	8	kpodar	kpodar	PROPN
ejif-3269	212	9	,	,	PUNCT
ejif-3269	212	10	“	"	PUNCT
ejif-3269	212	11	islamic	islamic	ADJ
ejif-3269	212	12	banking	banking	NOUN
ejif-3269	212	13	:	:	PUNCT
ejif-3269	212	14	how	how	SCONJ
ejif-3269	212	15	has	have	AUX
ejif-3269	212	16	it	it	PRON
ejif-3269	212	17	expanded	expand	VERB
ejif-3269	212	18	,	,	PUNCT
ejif-3269	212	19	”	"	PUNCT
ejif-3269	212	20	emerging	emerge	VERB
ejif-3269	212	21	markets	market	NOUN
ejif-3269	212	22	finance	finance	NOUN
ejif-3269	212	23	and	and	CCONJ
ejif-3269	212	24	trade	trade	NOUN
ejif-3269	212	25	,	,	PUNCT
ejif-3269	212	26	vol	vol	NOUN
ejif-3269	212	27	.	.	PROPN
ejif-3269	212	28	49	49	NUM
ejif-3269	212	29	,	,	PUNCT
ejif-3269	212	30	no	no	INTJ
ejif-3269	212	31	.	.	NOUN
ejif-3269	212	32	6	6	NUM
ejif-3269	212	33	,	,	PUNCT
ejif-3269	212	34	pp	pp	ADJ
ejif-3269	212	35	.	.	PUNCT
ejif-3269	213	1	112–137	112–137	NUM
ejif-3269	213	2	,	,	PUNCT
ejif-3269	213	3	nov	nov	PROPN
ejif-3269	213	4	.	.	PROPN
ejif-3269	213	5	2013	2013	NUM
ejif-3269	213	6	.	.	PUNCT
ejif-3269	214	1	[	[	X
ejif-3269	214	2	15	15	NUM
ejif-3269	214	3	]	]	X
ejif-3269	214	4	a.	a.	NOUN
ejif-3269	214	5	samad	samad	PROPN
ejif-3269	214	6	and	and	CCONJ
ejif-3269	214	7	m.	m.	PROPN
ejif-3269	214	8	k.	k.	PROPN
ejif-3269	214	9	hassan	hassan	PROPN
ejif-3269	214	10	,	,	PUNCT
ejif-3269	214	11	“	"	PUNCT
ejif-3269	214	12	the	the	DET
ejif-3269	214	13	performance	performance	NOUN
ejif-3269	214	14	of	of	ADP
ejif-3269	214	15	malaysian	malaysian	ADJ
ejif-3269	214	16	islamic	islamic	PROPN
ejif-3269	214	17	bank	bank	PROPN
ejif-3269	214	18	during	during	ADP
ejif-3269	214	19	1984–1997	1984–1997	NUM
ejif-3269	214	20	:	:	PUNCT
ejif-3269	214	21	an	an	DET
ejif-3269	214	22	exploratory	exploratory	ADJ
ejif-3269	214	23	study	study	NOUN
ejif-3269	214	24	,	,	PUNCT
ejif-3269	214	25	”	"	PUNCT
ejif-3269	214	26	ssrn	ssrn	PROPN
ejif-3269	214	27	electronic	electronic	ADJ
ejif-3269	214	28	journal	journal	NOUN
ejif-3269	214	29	,	,	PUNCT
ejif-3269	214	30	2006	2006	NUM
ejif-3269	214	31	.	.	PUNCT
ejif-3269	215	1	[	[	X
ejif-3269	215	2	16	16	NUM
ejif-3269	215	3	]	]	PUNCT
ejif-3269	215	4	a.	a.	NOUN
ejif-3269	215	5	m.	m.	PROPN
ejif-3269	215	6	bohari	bohari	PROPN
ejif-3269	215	7	,	,	PUNCT
ejif-3269	215	8	c.	c.	PROPN
ejif-3269	215	9	w.	w.	PROPN
ejif-3269	215	10	hin	hin	PROPN
ejif-3269	215	11	,	,	PUNCT
ejif-3269	215	12	and	and	CCONJ
ejif-3269	215	13	n.	n.	PROPN
ejif-3269	215	14	fuad	fuad	PROPN
ejif-3269	215	15	,	,	PUNCT
ejif-3269	215	16	“	"	PUNCT
ejif-3269	215	17	the	the	DET
ejif-3269	215	18	competitiveness	competitiveness	NOUN
ejif-3269	215	19	of	of	ADP
ejif-3269	215	20	halal	halal	NOUN
ejif-3269	215	21	food	food	NOUN
ejif-3269	215	22	industry	industry	NOUN
ejif-3269	215	23	in	in	ADP
ejif-3269	215	24	malaysia	malaysia	PROPN
ejif-3269	215	25	:	:	PUNCT
ejif-3269	215	26	a	a	DET
ejif-3269	215	27	swot	swot	PROPN
ejif-3269	215	28	ict	ict	PROPN
ejif-3269	215	29	analysis	analysis	NOUN
ejif-3269	215	30	,	,	PUNCT
ejif-3269	215	31	”	"	PUNCT
ejif-3269	215	32	no	no	NOUN
ejif-3269	215	33	.	.	NOUN
ejif-3269	215	34	1	1	NUM
ejif-3269	215	35	,	,	PUNCT
ejif-3269	215	36	p.	p.	NOUN
ejif-3269	215	37	9	9	NUM
ejif-3269	215	38	.	.	PUNCT
ejif-3269	216	1	[	[	X
ejif-3269	216	2	17	17	NUM
ejif-3269	216	3	]	]	PUNCT
ejif-3269	216	4	m.	m.	NOUN
ejif-3269	216	5	amin	amin	PROPN
ejif-3269	216	6	,	,	PUNCT
ejif-3269	216	7	z.	z.	PROPN
ejif-3269	216	8	isa	isa	PROPN
ejif-3269	216	9	,	,	PUNCT
ejif-3269	216	10	and	and	CCONJ
ejif-3269	216	11	r.	r.	PROPN
ejif-3269	216	12	fontaine	fontaine	PROPN
ejif-3269	216	13	,	,	PUNCT
ejif-3269	216	14	“	"	PUNCT
ejif-3269	216	15	islamic	islamic	ADJ
ejif-3269	216	16	banks	bank	NOUN
ejif-3269	216	17	:	:	PUNCT
ejif-3269	216	18	contrasting	contrast	VERB
ejif-3269	216	19	the	the	DET
ejif-3269	216	20	drivers	driver	NOUN
ejif-3269	216	21	of	of	ADP
ejif-3269	216	22	customer	customer	NOUN
ejif-3269	216	23	satisfaction	satisfaction	NOUN
ejif-3269	216	24	on	on	ADP
ejif-3269	216	25	image	image	NOUN
ejif-3269	216	26	,	,	PUNCT
ejif-3269	216	27	trust	trust	NOUN
ejif-3269	216	28	,	,	PUNCT
ejif-3269	216	29	and	and	CCONJ
ejif-3269	216	30	loyalty	loyalty	NOUN
ejif-3269	216	31	of	of	ADP
ejif-3269	216	32	muslim	muslim	ADJ
ejif-3269	216	33	and	and	CCONJ
ejif-3269	216	34	non‐muslim	non‐muslim	ADJ
ejif-3269	216	35	customers	customer	NOUN
ejif-3269	216	36	in	in	ADP
ejif-3269	216	37	malaysia	malaysia	PROPN
ejif-3269	216	38	,	,	PUNCT
ejif-3269	216	39	”	"	PUNCT
ejif-3269	216	40	international	international	ADJ
ejif-3269	216	41	journal	journal	NOUN
ejif-3269	216	42	of	of	ADP
ejif-3269	216	43	bank	bank	PROPN
ejif-3269	216	44	marketing	marketing	NOUN
ejif-3269	216	45	,	,	PUNCT
ejif-3269	216	46	vol	vol	NOUN
ejif-3269	216	47	.	.	PROPN
ejif-3269	216	48	31	31	NUM
ejif-3269	216	49	,	,	PUNCT
ejif-3269	216	50	no	no	INTJ
ejif-3269	216	51	.	.	NOUN
ejif-3269	216	52	2	2	NUM
ejif-3269	216	53	,	,	PUNCT
ejif-3269	216	54	pp	pp	ADJ
ejif-3269	216	55	.	.	PUNCT
ejif-3269	217	1	79–97	79–97	NUM
ejif-3269	217	2	,	,	PUNCT
ejif-3269	217	3	feb	feb	PROPN
ejif-3269	217	4	.	.	PROPN
ejif-3269	217	5	2013	2013	NUM
ejif-3269	217	6	.	.	PUNCT
ejif-3269	218	1	[	[	X
ejif-3269	218	2	18	18	NUM
ejif-3269	218	3	]	]	PUNCT
ejif-3269	218	4	m.	m.	NOUN
ejif-3269	218	5	rezaei	rezaei	NOUN
ejif-3269	218	6	,	,	PUNCT
ejif-3269	218	7	“	"	PUNCT
ejif-3269	218	8	islamic	islamic	ADJ
ejif-3269	218	9	accounting	accounting	NOUN
ejif-3269	218	10	laws	law	NOUN
ejif-3269	218	11	or	or	CCONJ
ejif-3269	218	12	islamic	islamic	ADJ
ejif-3269	218	13	laws	law	NOUN
ejif-3269	218	14	in	in	ADP
ejif-3269	218	15	accounting	accounting	NOUN
ejif-3269	218	16	,	,	PUNCT
ejif-3269	218	17	”	"	PUNCT
ejif-3269	218	18	p.	p.	NOUN
ejif-3269	218	19	8	8	NUM
ejif-3269	218	20	,	,	PUNCT
ejif-3269	218	21	2018	2018	NUM
ejif-3269	218	22	.	.	PUNCT
ejif-3269	219	1	[	[	X
ejif-3269	219	2	19	19	NUM
ejif-3269	219	3	]	]	PUNCT
ejif-3269	219	4	m.	m.	NOUN
ejif-3269	219	5	h.	h.	PROPN
ejif-3269	219	6	kadri	kadri	PROPN
ejif-3269	219	7	,	,	PUNCT
ejif-3269	219	8	“	"	PUNCT
ejif-3269	219	9	islamic	islamic	ADJ
ejif-3269	219	10	financial	financial	ADJ
ejif-3269	219	11	reporting	reporting	NOUN
ejif-3269	219	12	:	:	PUNCT
ejif-3269	219	13	evidence	evidence	NOUN
ejif-3269	219	14	from	from	ADP
ejif-3269	219	15	malaysia	malaysia	PROPN
ejif-3269	219	16	,	,	PUNCT
ejif-3269	219	17	”	"	PUNCT
ejif-3269	219	18	ssrn	ssrn	PROPN
ejif-3269	219	19	electronic	electronic	ADJ
ejif-3269	219	20	journal	journal	NOUN
ejif-3269	219	21	,	,	PUNCT
ejif-3269	219	22	2016	2016	NUM
ejif-3269	219	23	.	.	PUNCT
ejif-3269	220	1	[	[	X
ejif-3269	220	2	20	20	NUM
ejif-3269	220	3	]	]	PUNCT
ejif-3269	220	4	h.	h.	PROPN
ejif-3269	220	5	ahmed	ahmed	PROPN
ejif-3269	220	6	,	,	PUNCT
ejif-3269	220	7	“	"	PUNCT
ejif-3269	220	8	financing	financing	NOUN
ejif-3269	220	9	microenterprises	microenterprise	NOUN
ejif-3269	220	10	:	:	PUNCT
ejif-3269	220	11	an	an	DET
ejif-3269	220	12	analytical	analytical	ADJ
ejif-3269	220	13	study	study	NOUN
ejif-3269	220	14	of	of	ADP
ejif-3269	220	15	islamic	islamic	ADJ
ejif-3269	220	16	microfinance	microfinance	NOUN
ejif-3269	220	17	institutions	institution	NOUN
ejif-3269	220	18	,	,	PUNCT
ejif-3269	220	19	”	"	PUNCT
ejif-3269	220	20	islamic	islamic	ADJ
ejif-3269	220	21	economic	economic	ADJ
ejif-3269	220	22	studies	study	NOUN
ejif-3269	220	23	,	,	PUNCT
ejif-3269	220	24	vol	vol	NOUN
ejif-3269	220	25	.	.	PROPN
ejif-3269	221	1	9	9	NUM
ejif-3269	221	2	,	,	PUNCT
ejif-3269	221	3	no	no	INTJ
ejif-3269	221	4	.	.	NOUN
ejif-3269	221	5	2	2	NUM
ejif-3269	221	6	,	,	PUNCT
ejif-3269	221	7	p.	p.	NOUN
ejif-3269	221	8	38	38	NUM
ejif-3269	221	9	,	,	PUNCT
ejif-3269	221	10	2002	2002	NUM
ejif-3269	221	11	.	.	PUNCT
ejif-3269	222	1	[	[	X
ejif-3269	222	2	21	21	NUM
ejif-3269	222	3	]	]	X
ejif-3269	222	4	h.	h.	PROPN
ejif-3269	222	5	amin	amin	PROPN
ejif-3269	222	6	,	,	PUNCT
ejif-3269	222	7	a.	a.	PROPN
ejif-3269	222	8	rahim	rahim	PROPN
ejif-3269	222	9	abdul	abdul	PROPN
ejif-3269	222	10	rahman	rahman	PROPN
ejif-3269	222	11	,	,	PUNCT
ejif-3269	222	12	s.	s.	PROPN
ejif-3269	222	13	laison	laison	PROPN
ejif-3269	222	14	sondoh	sondoh	PROPN
ejif-3269	222	15	,	,	PUNCT
ejif-3269	222	16	and	and	CCONJ
ejif-3269	222	17	a.	a.	PROPN
ejif-3269	222	18	magdalene	magdalene	PROPN
ejif-3269	222	19	chooi	chooi	PROPN
ejif-3269	222	20	hwa	hwa	PROPN
ejif-3269	222	21	,	,	PUNCT
ejif-3269	222	22	“	"	PUNCT
ejif-3269	222	23	determinants	determinant	NOUN
ejif-3269	222	24	of	of	ADP
ejif-3269	222	25	customers	customer	NOUN
ejif-3269	222	26	’	’	PART
ejif-3269	222	27	intention	intention	NOUN
ejif-3269	222	28	to	to	PART
ejif-3269	222	29	use	use	VERB
ejif-3269	222	30	islamic	islamic	ADJ
ejif-3269	222	31	personal	personal	ADJ
ejif-3269	222	32	financing	financing	NOUN
ejif-3269	222	33	:	:	PUNCT
ejif-3269	222	34	the	the	DET
ejif-3269	222	35	case	case	NOUN
ejif-3269	222	36	of	of	ADP
ejif-3269	222	37	malaysian	malaysian	ADJ
ejif-3269	222	38	islamic	islamic	ADJ
ejif-3269	222	39	banks	bank	NOUN
ejif-3269	222	40	,	,	PUNCT
ejif-3269	222	41	”	"	PUNCT
ejif-3269	222	42	journal	journal	NOUN
ejif-3269	222	43	of	of	ADP
ejif-3269	222	44	islamic	islamic	PROPN
ejif-3269	222	45	accounting	accounting	PROPN
ejif-3269	222	46	and	and	CCONJ
ejif-3269	222	47	business	business	NOUN
ejif-3269	222	48	research	research	NOUN
ejif-3269	222	49	,	,	PUNCT
ejif-3269	222	50	vol	vol	NOUN
ejif-3269	222	51	.	.	PROPN
ejif-3269	222	52	2	2	NUM
ejif-3269	222	53	,	,	PUNCT
ejif-3269	222	54	no	no	INTJ
ejif-3269	222	55	.	.	NOUN
ejif-3269	222	56	1	1	NUM
ejif-3269	222	57	,	,	PUNCT
ejif-3269	222	58	pp	pp	ADJ
ejif-3269	222	59	.	.	PUNCT
ejif-3269	222	60	22–42	22–42	NUM
ejif-3269	222	61	,	,	PUNCT
ejif-3269	222	62	apr	apr	PROPN
ejif-3269	222	63	.	.	PROPN
ejif-3269	222	64	2011	2011	NUM
ejif-3269	222	65	.	.	PUNCT
ejif-3269	223	1	[	[	X
ejif-3269	223	2	22	22	NUM
ejif-3269	223	3	]	]	PUNCT
ejif-3269	223	4	s.	s.	PROPN
ejif-3269	223	5	a.	a.	PROPN
ejif-3269	223	6	srairi	srairi	PROPN
ejif-3269	223	7	,	,	PUNCT
ejif-3269	223	8	“	"	PUNCT
ejif-3269	223	9	cost	cost	NOUN
ejif-3269	223	10	and	and	CCONJ
ejif-3269	223	11	profit	profit	NOUN
ejif-3269	223	12	efficiency	efficiency	NOUN
ejif-3269	223	13	of	of	ADP
ejif-3269	223	14	conventional	conventional	ADJ
ejif-3269	223	15	and	and	CCONJ
ejif-3269	223	16	islamic	islamic	ADJ
ejif-3269	223	17	banks	bank	NOUN
ejif-3269	223	18	in	in	ADP
ejif-3269	223	19	gcc	gcc	NOUN
ejif-3269	223	20	countries	country	NOUN
ejif-3269	223	21	,	,	PUNCT
ejif-3269	223	22	”	"	PUNCT
ejif-3269	223	23	journal	journal	NOUN
ejif-3269	223	24	of	of	ADP
ejif-3269	223	25	productivity	productivity	NOUN
ejif-3269	223	26	analysis	analysis	NOUN
ejif-3269	223	27	,	,	PUNCT
ejif-3269	223	28	vol	vol	NOUN
ejif-3269	223	29	.	.	PROPN
ejif-3269	224	1	34	34	NUM
ejif-3269	224	2	,	,	PUNCT
ejif-3269	224	3	no	no	INTJ
ejif-3269	224	4	.	.	NOUN
ejif-3269	224	5	1	1	NUM
ejif-3269	224	6	,	,	PUNCT
ejif-3269	224	7	pp	pp	ADJ
ejif-3269	224	8	.	.	PUNCT
ejif-3269	225	1	45–62	45–62	NUM
ejif-3269	225	2	,	,	PUNCT
ejif-3269	225	3	aug	aug	PROPN
ejif-3269	225	4	.	.	PROPN
ejif-3269	225	5	2010	2010	NUM
ejif-3269	225	6	.	.	PUNCT
ejif-3269	226	1	[	[	X
ejif-3269	226	2	23	23	NUM
ejif-3269	226	3	]	]	PUNCT
ejif-3269	226	4	m.	m.	PROPN
ejif-3269	226	5	f.	f.	PROPN
ejif-3269	226	6	akhtar	akhtar	PROPN
ejif-3269	226	7	,	,	PUNCT
ejif-3269	226	8	k.	k.	PROPN
ejif-3269	226	9	ali	ali	PROPN
ejif-3269	226	10	,	,	PUNCT
ejif-3269	226	11	and	and	CCONJ
ejif-3269	226	12	s.	s.	PROPN
ejif-3269	226	13	sadaqat	sadaqat	PROPN
ejif-3269	226	14	,	,	PUNCT
ejif-3269	226	15	“	"	PUNCT
ejif-3269	226	16	liquidity	liquidity	NOUN
ejif-3269	226	17	risk	risk	NOUN
ejif-3269	226	18	management	management	NOUN
ejif-3269	226	19	:	:	PUNCT
ejif-3269	226	20	a	a	DET
ejif-3269	226	21	comparative	comparative	ADJ
ejif-3269	226	22	study	study	NOUN
ejif-3269	226	23	between	between	ADP
ejif-3269	226	24	conventional	conventional	ADJ
ejif-3269	226	25	and	and	CCONJ
ejif-3269	226	26	islamic	islamic	ADJ
ejif-3269	226	27	banks	bank	NOUN
ejif-3269	226	28	of	of	ADP
ejif-3269	226	29	pakistan	pakistan	PROPN
ejif-3269	226	30	,	,	PUNCT
ejif-3269	226	31	”	"	PUNCT
ejif-3269	226	32	vol	vol	NOUN
ejif-3269	226	33	.	.	PROPN
ejif-3269	226	34	1	1	NUM
ejif-3269	226	35	,	,	PUNCT
ejif-3269	226	36	no	no	INTJ
ejif-3269	226	37	.	.	NOUN
ejif-3269	226	38	1	1	NUM
ejif-3269	226	39	,	,	PUNCT
ejif-3269	226	40	p.	p.	NOUN
ejif-3269	226	41	10	10	NUM
ejif-3269	226	42	,	,	PUNCT
ejif-3269	226	43	2011	2011	NUM
ejif-3269	226	44	.	.	PUNCT
ejif-3269	227	1	[	[	X
ejif-3269	227	2	24	24	NUM
ejif-3269	227	3	]	]	PUNCT
ejif-3269	227	4	s.	s.	PROPN
ejif-3269	227	5	a.	a.	PROPN
ejif-3269	227	6	metawa	metawa	PROPN
ejif-3269	227	7	and	and	CCONJ
ejif-3269	227	8	m.	m.	PROPN
ejif-3269	227	9	almossawi	almossawi	PROPN
ejif-3269	227	10	,	,	PUNCT
ejif-3269	227	11	“	"	PUNCT
ejif-3269	227	12	banking	banking	NOUN
ejif-3269	227	13	behaviour	behaviour	NOUN
ejif-3269	227	14	of	of	ADP
ejif-3269	227	15	islamic	islamic	PROPN
ejif-3269	227	16	bank	bank	PROPN
ejif-3269	227	17	customers	customer	NOUN
ejif-3269	227	18	:	:	PUNCT
ejif-3269	227	19	perspectives	perspective	NOUN
ejif-3269	227	20	and	and	CCONJ
ejif-3269	227	21	implications	implication	NOUN
ejif-3269	227	22	,	,	PUNCT
ejif-3269	227	23	”	"	PUNCT
ejif-3269	227	24	international	international	ADJ
ejif-3269	227	25	journal	journal	NOUN
ejif-3269	227	26	of	of	ADP
ejif-3269	227	27	bank	bank	PROPN
ejif-3269	227	28	marketing	marketing	NOUN
ejif-3269	227	29	,	,	PUNCT
ejif-3269	227	30	vol	vol	NOUN
ejif-3269	227	31	.	.	PROPN
ejif-3269	227	32	16	16	NUM
ejif-3269	227	33	,	,	PUNCT
ejif-3269	227	34	no	no	INTJ
ejif-3269	227	35	.	.	NOUN
ejif-3269	227	36	7	7	NUM
ejif-3269	227	37	,	,	PUNCT
ejif-3269	227	38	pp	pp	ADJ
ejif-3269	227	39	.	.	PUNCT
ejif-3269	228	1	299–313	299–313	NUM
ejif-3269	228	2	,	,	PUNCT
ejif-3269	228	3	dec	dec	PROPN
ejif-3269	228	4	.	.	PROPN
ejif-3269	228	5	1998	1998	NUM
ejif-3269	228	6	.	.	PUNCT
ejif-3269	229	1	[	[	X
ejif-3269	229	2	25	25	NUM
ejif-3269	229	3	]	]	X
ejif-3269	229	4	o.	o.	PROPN
ejif-3269	229	5	i.	i.	PROPN
ejif-3269	229	6	bacha	bacha	PROPN
ejif-3269	229	7	,	,	PUNCT
ejif-3269	229	8	“	"	PUNCT
ejif-3269	229	9	derivative	derivative	ADJ
ejif-3269	229	10	instruments	instrument	NOUN
ejif-3269	229	11	and	and	CCONJ
ejif-3269	229	12	islamic	islamic	ADJ
ejif-3269	229	13	finance	finance	NOUN
ejif-3269	229	14	:	:	PUNCT
ejif-3269	229	15	some	some	DET
ejif-3269	229	16	thoughts	thought	NOUN
ejif-3269	229	17	for	for	ADP
ejif-3269	229	18	a	a	DET
ejif-3269	229	19	reconsideration	reconsideration	NOUN
ejif-3269	229	20	,	,	PUNCT
ejif-3269	229	21	”	"	PUNCT
ejif-3269	229	22	p.	p.	NOUN
ejif-3269	229	23	34	34	NUM
ejif-3269	229	24	,	,	PUNCT
ejif-3269	229	25	1999	1999	NUM
ejif-3269	229	26	.	.	PUNCT
ejif-3269	230	1	[	[	X
ejif-3269	230	2	26	26	NUM
ejif-3269	230	3	]	]	PUNCT
ejif-3269	230	4	s.	s.	PROPN
ejif-3269	230	5	s.	s.	PROPN
ejif-3269	230	6	ali	ali	PROPN
ejif-3269	230	7	,	,	PUNCT
ejif-3269	230	8	“	"	PUNCT
ejif-3269	230	9	islamic	islamic	ADJ
ejif-3269	230	10	banking	banking	NOUN
ejif-3269	230	11	in	in	ADP
ejif-3269	230	12	the	the	DET
ejif-3269	230	13	mena	mena	PROPN
ejif-3269	230	14	region	region	PROPN
ejif-3269	230	15	,	,	PUNCT
ejif-3269	230	16	”	"	PUNCT
ejif-3269	230	17	p.	p.	NOUN
ejif-3269	230	18	45	45	NUM
ejif-3269	230	19	.	.	PUNCT
ejif-3269	231	1	[	[	X
ejif-3269	231	2	27	27	NUM
ejif-3269	231	3	]	]	X
ejif-3269	231	4	w.	w.	NOUN
ejif-3269	231	5	poon	poon	NOUN
ejif-3269	231	6	,	,	PUNCT
ejif-3269	231	7	“	"	PUNCT
ejif-3269	231	8	users	user	NOUN
ejif-3269	231	9	’	'	PUNCT
ejif-3269	231	10	adoption	adoption	NOUN
ejif-3269	231	11	of	of	ADP
ejif-3269	231	12	e‐banking	e‐banking	PROPN
ejif-3269	231	13	services	service	NOUN
ejif-3269	231	14	:	:	PUNCT
ejif-3269	231	15	the	the	DET
ejif-3269	231	16	malaysian	malaysian	PROPN
ejif-3269	231	17	perspective	perspective	NOUN
ejif-3269	231	18	,	,	PUNCT
ejif-3269	231	19	”	"	PUNCT
ejif-3269	231	20	journal	journal	NOUN
ejif-3269	231	21	of	of	ADP
ejif-3269	231	22	business	business	PROPN
ejif-3269	231	23	&	&	CCONJ
ejif-3269	231	24	industrial	industrial	ADJ
ejif-3269	231	25	marketing	marketing	NOUN
ejif-3269	231	26	,	,	PUNCT
ejif-3269	231	27	vol	vol	NOUN
ejif-3269	231	28	.	.	PROPN
ejif-3269	231	29	23	23	NUM
ejif-3269	231	30	,	,	PUNCT
ejif-3269	231	31	no	no	INTJ
ejif-3269	231	32	.	.	NOUN
ejif-3269	231	33	1	1	NUM
ejif-3269	231	34	,	,	PUNCT
ejif-3269	231	35	pp	pp	ADJ
ejif-3269	231	36	.	.	PUNCT
ejif-3269	232	1	59–69	59–69	NUM
ejif-3269	232	2	,	,	PUNCT
ejif-3269	232	3	dec	dec	PROPN
ejif-3269	232	4	.	.	PROPN
ejif-3269	232	5	2007	2007	NUM
ejif-3269	232	6	.	.	PUNCT
ejif-3269	233	1	[	[	X
ejif-3269	233	2	28	28	NUM
ejif-3269	233	3	]	]	X
ejif-3269	233	4	h.	h.	PROPN
ejif-3269	233	5	s.	s.	PROPN
ejif-3269	233	6	a.	a.	PROPN
ejif-3269	233	7	mokhtar	mokhtar	PROPN
ejif-3269	233	8	,	,	PUNCT
ejif-3269	233	9	n.	n.	PROPN
ejif-3269	233	10	abdullah	abdullah	PROPN
ejif-3269	233	11	,	,	PUNCT
ejif-3269	233	12	and	and	CCONJ
ejif-3269	233	13	s.	s.	PROPN
ejif-3269	233	14	m.	m.	PROPN
ejif-3269	233	15	al	al	PROPN
ejif-3269	233	16	-	-	PUNCT
ejif-3269	233	17	habshi	habshi	PROPN
ejif-3269	233	18	,	,	PUNCT
ejif-3269	233	19	“	"	PUNCT
ejif-3269	233	20	efficiency	efficiency	NOUN
ejif-3269	233	21	of	of	ADP
ejif-3269	233	22	islamic	islamic	ADJ
ejif-3269	233	23	banking	banking	NOUN
ejif-3269	233	24	in	in	ADP
ejif-3269	233	25	malaysia	malaysia	PROPN
ejif-3269	233	26	:	:	PUNCT
ejif-3269	233	27	a	a	DET
ejif-3269	233	28	stochastic	stochastic	ADJ
ejif-3269	233	29	frontier	frontier	NOUN
ejif-3269	233	30	approach	approach	NOUN
ejif-3269	233	31	,	,	PUNCT
ejif-3269	233	32	”	"	PUNCT
ejif-3269	233	33	p.	p.	NOUN
ejif-3269	233	34	34	34	NUM
ejif-3269	233	35	,	,	PUNCT
ejif-3269	233	36	2006	2006	NUM
ejif-3269	233	37	.	.	PUNCT
ejif-3269	234	1	[	[	X
ejif-3269	234	2	29	29	NUM
ejif-3269	234	3	]	]	PUNCT
ejif-3269	234	4	p.	p.	NOUN
ejif-3269	234	5	p.	p.	NOUN
ejif-3269	234	6	biancone	biancone	NOUN
ejif-3269	234	7	and	and	CCONJ
ejif-3269	234	8	m.	m.	NOUN
ejif-3269	234	9	radwan	radwan	NOUN
ejif-3269	234	10	,	,	PUNCT
ejif-3269	234	11	“	"	PUNCT
ejif-3269	234	12	sharia	sharia	ADJ
ejif-3269	234	13	-	-	PUNCT
ejif-3269	234	14	compliant	compliant	NOUN
ejif-3269	234	15	financing	financing	NOUN
ejif-3269	234	16	for	for	ADP
ejif-3269	234	17	public	public	ADJ
ejif-3269	234	18	utility	utility	NOUN
ejif-3269	234	19	infrastructure	infrastructure	NOUN
ejif-3269	234	20	,	,	PUNCT
ejif-3269	234	21	”	"	PUNCT
ejif-3269	234	22	utilities	utility	NOUN
ejif-3269	234	23	policy	policy	NOUN
ejif-3269	234	24	,	,	PUNCT
ejif-3269	234	25	vol	vol	NOUN
ejif-3269	234	26	.	.	PROPN
ejif-3269	234	27	52	52	NUM
ejif-3269	234	28	,	,	PUNCT
ejif-3269	234	29	pp	pp	ADJ
ejif-3269	234	30	.	.	PUNCT
ejif-3269	235	1	88–94	88–94	NUM
ejif-3269	235	2	,	,	PUNCT
ejif-3269	235	3	jun	jun	PROPN
ejif-3269	235	4	.	.	PROPN
ejif-3269	235	5	2018	2018	NUM
ejif-3269	235	6	.	.	PUNCT
ejif-3269	236	1	[	[	X
ejif-3269	236	2	30	30	NUM
ejif-3269	236	3	]	]	PUNCT
ejif-3269	236	4	biancone	biancone	NOUN
ejif-3269	236	5	,	,	PUNCT
ejif-3269	236	6	p.	p.	NOUN
ejif-3269	236	7	,	,	PUNCT
ejif-3269	236	8	&	&	CCONJ
ejif-3269	236	9	secinaro	secinaro	NOUN
ejif-3269	236	10	,	,	PUNCT
ejif-3269	236	11	s.	s.	PROPN
ejif-3269	236	12	(	(	PUNCT
ejif-3269	236	13	2016	2016	NUM
ejif-3269	236	14	)	)	PUNCT
ejif-3269	236	15	.	.	PUNCT
ejif-3269	237	1	the	the	DET
ejif-3269	237	2	equity	equity	PROPN
ejif-3269	237	3	crowdfunding	crowdfunding	PROPN
ejif-3269	237	4	italy	italy	PROPN
ejif-3269	237	5	:	:	PUNCT
ejif-3269	237	6	a	a	DET
ejif-3269	237	7	model	model	NOUN
ejif-3269	237	8	sharia	sharia	PROPN
ejif-3269	237	9	compliant	compliant	PROPN
ejif-3269	237	10	.	.	PUNCT
ejif-3269	238	1	european	european	PROPN
ejif-3269	238	2	journal	journal	PROPN
ejif-3269	238	3	of	of	ADP
ejif-3269	238	4	islamic	islamic	PROPN
ejif-3269	238	5	finance	finance	NOUN
ejif-3269	238	6	,	,	PUNCT
ejif-3269	238	7	5	5	NUM
ejif-3269	238	8	,	,	PUNCT
ejif-3269	238	9	1	1	NUM
ejif-3269	238	10	-	-	SYM
ejif-3269	238	11	10	10	NUM
ejif-3269	238	12	.	.	PUNCT
ejif-3269	239	1	[	[	X
ejif-3269	239	2	31	31	NUM
ejif-3269	239	3	]	]	PUNCT
ejif-3269	239	4	secinaro	secinaro	NOUN
ejif-3269	239	5	,	,	PUNCT
ejif-3269	239	6	s.	s.	PROPN
ejif-3269	239	7	(	(	PUNCT
ejif-3269	239	8	2017	2017	NUM
ejif-3269	239	9	)	)	PUNCT
ejif-3269	239	10	.	.	PUNCT
ejif-3269	240	1	equity	equity	NOUN
ejif-3269	240	2	crowdfunding	crowdfunding	PROPN
ejif-3269	240	3	sharia	sharia	PROPN
ejif-3269	240	4	compliant	compliant	PROPN
ejif-3269	240	5	(	(	PUNCT
ejif-3269	240	6	vol	vol	NOUN
ejif-3269	240	7	.	.	NOUN
ejif-3269	240	8	1	1	NUM
ejif-3269	240	9	)	)	PUNCT
ejif-3269	240	10	.	.	PUNCT
ejif-3269	241	1	g	g	PROPN
ejif-3269	241	2	giappichelli	giappichelli	PROPN
ejif-3269	241	3	editore	editore	PROPN
ejif-3269	241	4	.	.	PUNCT
ejif-3269	242	1	ejif	ejif	PROPN
ejif-3269	242	2	–	–	PUNCT
ejif-3269	242	3	european	european	PROPN
ejif-3269	242	4	journal	journal	PROPN
ejif-3269	242	5	of	of	ADP
ejif-3269	242	6	islamic	islamic	PROPN
ejif-3269	242	7	finance	finance	PROPN
ejif-3269	242	8	editorial	editorial	ADJ
ejif-3269	242	9	team	team	NOUN
ejif-3269	242	10	editor	editor	NOUN
ejif-3269	242	11	in	in	ADP
ejif-3269	242	12	chief	chief	ADJ
ejif-3269	242	13	prof	prof	NOUN
ejif-3269	242	14	.	.	PUNCT
ejif-3269	242	15	paolo	paolo	PROPN
ejif-3269	242	16	pietro	pietro	PROPN
ejif-3269	242	17	biancone	biancone	NOUN
ejif-3269	242	18	,	,	PUNCT
ejif-3269	242	19	university	university	PROPN
ejif-3269	242	20	of	of	ADP
ejif-3269	242	21	turin	turin	PROPN
ejif-3269	242	22	,	,	PUNCT
ejif-3269	242	23	italy	italy	PROPN
ejif-3269	242	24	editorial	editorial	PROPN
ejif-3269	242	25	board	board	PROPN
ejif-3269	242	26	prof	prof	PROPN
ejif-3269	242	27	.	.	PUNCT
ejif-3269	243	1	dian	dian	PROPN
ejif-3269	243	2	masyita	masyita	PROPN
ejif-3269	243	3	,	,	PUNCT
ejif-3269	243	4	university	university	NOUN
ejif-3269	243	5	of	of	ADP
ejif-3269	243	6	padjadjaran	padjadjaran	PROPN
ejif-3269	243	7	,	,	PUNCT
ejif-3269	243	8	indonesia	indonesia	PROPN
ejif-3269	243	9	prof	prof	PROPN
ejif-3269	243	10	.	.	PUNCT
ejif-3269	244	1	abdulazeem	abdulazeem	PROPN
ejif-3269	244	2	abozaid	abozaid	PROPN
ejif-3269	244	3	,	,	PUNCT
ejif-3269	244	4	qatar	qatar	PROPN
ejif-3269	244	5	faculty	faculty	NOUN
ejif-3269	244	6	of	of	ADP
ejif-3269	244	7	islamic	islamic	ADJ
ejif-3269	244	8	studies	study	NOUN
ejif-3269	244	9	,	,	PUNCT
ejif-3269	244	10	qatar	qatar	PROPN
ejif-3269	244	11	prof	prof	PROPN
ejif-3269	244	12	.	.	PUNCT
ejif-3269	245	1	ahmad	ahmad	PROPN
ejif-3269	245	2	aref	aref	PROPN
ejif-3269	245	3	almazari	almazari	PROPN
ejif-3269	245	4	,	,	PUNCT
ejif-3269	245	5	king	king	PROPN
ejif-3269	245	6	saud	saud	PROPN
ejif-3269	245	7	university	university	PROPN
ejif-3269	245	8	,	,	PUNCT
ejif-3269	245	9	saudi	saudi	PROPN
ejif-3269	245	10	arabia	arabia	PROPN
ejif-3269	245	11	prof	prof	PROPN
ejif-3269	245	12	.	.	PUNCT
ejif-3269	246	1	marco	marco	PROPN
ejif-3269	246	2	meneguzzo	meneguzzo	PROPN
ejif-3269	246	3	,	,	PUNCT
ejif-3269	246	4	università	università	PROPN
ejif-3269	246	5	degli	degli	PROPN
ejif-3269	246	6	studi	studi	PROPN
ejif-3269	246	7	di	di	X
ejif-3269	246	8	roma	roma	PROPN
ejif-3269	246	9	"	"	PUNCT
ejif-3269	246	10	tor	tor	NOUN
ejif-3269	246	11	vergata	vergata	NOUN
ejif-3269	246	12	"	"	PUNCT
ejif-3269	246	13	,	,	PUNCT
ejif-3269	246	14	italy	italy	PROPN
ejif-3269	246	15	prof	prof	PROPN
ejif-3269	246	16	.	.	PUNCT
ejif-3269	247	1	nidal	nidal	PROPN
ejif-3269	247	2	a.	a.	PROPN
ejif-3269	247	3	alsayyed	alsayye	VERB
ejif-3269	247	4	,	,	PUNCT
ejif-3269	247	5	inayah	inayah	VERB
ejif-3269	247	6	islamic	islamic	PROPN
ejif-3269	247	7	finance	finance	PROPN
ejif-3269	247	8	research	research	PROPN
ejif-3269	247	9	institute	institute	PROPN
ejif-3269	247	10	,	,	PUNCT
ejif-3269	247	11	usa	usa	PROPN
ejif-3269	247	12	prof	prof	PROPN
ejif-3269	247	13	.	.	PUNCT
ejif-3269	248	1	roberta	roberta	PROPN
ejif-3269	248	2	aluffi	aluffi	PROPN
ejif-3269	248	3	,	,	PUNCT
ejif-3269	248	4	university	university	PROPN
ejif-3269	248	5	of	of	ADP
ejif-3269	248	6	turin	turin	PROPN
ejif-3269	248	7	,	,	PUNCT
ejif-3269	248	8	italy	italy	PROPN
ejif-3269	248	9	prof	prof	PROPN
ejif-3269	248	10	.	.	PUNCT
ejif-3269	249	1	ghassen	ghassen	PROPN
ejif-3269	249	2	bouslama	bouslama	PROPN
ejif-3269	249	3	,	,	PUNCT
ejif-3269	249	4	neoma	neoma	PROPN
ejif-3269	249	5	business	business	NOUN
ejif-3269	249	6	school	school	NOUN
ejif-3269	249	7	,	,	PUNCT
ejif-3269	249	8	campus	campus	NOUN
ejif-3269	249	9	de	de	X
ejif-3269	249	10	reims	reims	X
ejif-3269	249	11	,	,	PUNCT
ejif-3269	249	12	france	france	PROPN
ejif-3269	249	13	prof	prof	PROPN
ejif-3269	249	14	.	.	PUNCT
ejif-3269	250	1	nazam	nazam	PROPN
ejif-3269	250	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-3269	250	3	,	,	PUNCT
ejif-3269	250	4	salford	salford	PROPN
ejif-3269	250	5	university	university	PROPN
ejif-3269	250	6	,	,	PUNCT
ejif-3269	250	7	uk	uk	PROPN
ejif-3269	250	8	prof	prof	PROPN
ejif-3269	250	9	.	.	PUNCT
ejif-3269	251	1	kabir	kabir	PROPN
ejif-3269	251	2	hassan	hassan	PROPN
ejif-3269	251	3	,	,	PUNCT
ejif-3269	251	4	university	university	NOUN
ejif-3269	251	5	of	of	ADP
ejif-3269	251	6	new	new	PROPN
ejif-3269	251	7	orleans	orleans	PROPN
ejif-3269	251	8	,	,	PUNCT
ejif-3269	251	9	usa	usa	PROPN
ejif-3269	251	10	prof	prof	PROPN
ejif-3269	251	11	.	.	PUNCT
ejif-3269	252	1	khaled	khaled	PROPN
ejif-3269	252	2	hussainey	hussainey	PROPN
ejif-3269	252	3	,	,	PUNCT
ejif-3269	252	4	university	university	NOUN
ejif-3269	252	5	of	of	ADP
ejif-3269	252	6	plymouth	plymouth	PROPN
ejif-3269	252	7	,	,	PUNCT
ejif-3269	252	8	uk	uk	PROPN
ejif-3269	252	9	prof	prof	PROPN
ejif-3269	252	10	.	.	PUNCT
ejif-3269	253	1	rifki	rifki	PROPN
ejif-3269	253	2	ismal	ismal	NOUN
ejif-3269	253	3	,	,	PUNCT
ejif-3269	253	4	university	university	NOUN
ejif-3269	253	5	of	of	ADP
ejif-3269	253	6	indonesia	indonesia	PROPN
ejif-3269	253	7	prof	prof	PROPN
ejif-3269	253	8	.	.	PUNCT
ejif-3269	254	1	tariqullah	tariqullah	PROPN
ejif-3269	254	2	khan	khan	PROPN
ejif-3269	254	3	,	,	PUNCT
ejif-3269	254	4	hamad	hamad	PROPN
ejif-3269	254	5	bin	bin	PROPN
ejif-3269	254	6	khalifa	khalifa	PROPN
ejif-3269	254	7	university	university	PROPN
ejif-3269	254	8	,	,	PUNCT
ejif-3269	254	9	qatar	qatar	PROPN
ejif-3269	254	10	prof	prof	PROPN
ejif-3269	254	11	.	.	PROPN
ejif-3269	255	1	ali	ali	PROPN
ejif-3269	255	2	khorshid	khorshid	PROPN
ejif-3269	255	3	,	,	PUNCT
ejif-3269	255	4	icma	icma	NOUN
ejif-3269	255	5	centre	centre	PROPN
ejif-3269	255	6	reading	read	VERB
ejif-3269	255	7	university	university	NOUN
ejif-3269	255	8	,	,	PUNCT
ejif-3269	255	9	uk	uk	PROPN
ejif-3269	255	10	prof	prof	PROPN
ejif-3269	255	11	.	.	PUNCT
ejif-3269	256	1	amir	amir	PROPN
ejif-3269	256	2	kia	kia	PROPN
ejif-3269	256	3	,	,	PUNCT
ejif-3269	256	4	utah	utah	PROPN
ejif-3269	256	5	valley	valley	PROPN
ejif-3269	256	6	university	university	PROPN
ejif-3269	256	7	,	,	PUNCT
ejif-3269	256	8	usa	usa	PROPN
ejif-3269	256	9	prof	prof	PROPN
ejif-3269	256	10	.	.	PUNCT
ejif-3269	257	1	laurent	laurent	PROPN
ejif-3269	257	2	marliere	marliere	ADV
ejif-3269	257	3	,	,	PUNCT
ejif-3269	257	4	université	université	PROPN
ejif-3269	257	5	paris	paris	PROPN
ejif-3269	257	6	-	-	PUNCT
ejif-3269	257	7	dauphine	dauphine	PROPN
ejif-3269	257	8	,	,	PUNCT
ejif-3269	257	9	france	france	PROPN
ejif-3269	257	10	prof	prof	PROPN
ejif-3269	257	11	.	.	PUNCT
ejif-3269	258	1	federica	federica	PROPN
ejif-3269	258	2	miglietta	miglietta	PROPN
ejif-3269	258	3	,	,	PUNCT
ejif-3269	258	4	university	university	NOUN
ejif-3269	258	5	of	of	ADP
ejif-3269	258	6	bari	bari	NOUN
ejif-3269	258	7	,	,	PUNCT
ejif-3269	258	8	italy	italy	PROPN
ejif-3269	258	9	prof	prof	PROPN
ejif-3269	258	10	.	.	PUNCT
ejif-3269	259	1	hakim	hakim	PROPN
ejif-3269	259	2	ben	ben	PROPN
ejif-3269	259	3	othman	othman	PROPN
ejif-3269	259	4	,	,	PUNCT
ejif-3269	259	5	university	university	PROPN
ejif-3269	259	6	of	of	ADP
ejif-3269	259	7	tunis	tunis	PROPN
ejif-3269	259	8	,	,	PUNCT
ejif-3269	259	9	tunisia	tunisia	PROPN
ejif-3269	259	10	prof	prof	PROPN
ejif-3269	259	11	.	.	PUNCT
ejif-3269	260	1	mohamed	mohamed	PROPN
ejif-3269	260	2	ramady	ramady	PROPN
ejif-3269	260	3	,	,	PUNCT
ejif-3269	260	4	king	king	PROPN
ejif-3269	260	5	fahd	fahd	PROPN
ejif-3269	260	6	university	university	PROPN
ejif-3269	260	7	of	of	ADP
ejif-3269	260	8	petroleum	petroleum	NOUN
ejif-3269	260	9	and	and	CCONJ
ejif-3269	260	10	minerals	mineral	NOUN
ejif-3269	260	11	,	,	PUNCT
ejif-3269	261	1	saudi	saudi	PROPN
ejif-3269	261	2	arabia	arabia	PROPN
ejif-3269	261	3	prof	prof	PROPN
ejif-3269	261	4	.	.	PROPN
ejif-3269	261	5	mamunur	mamunur	PROPN
ejif-3269	261	6	rashid	rashid	PROPN
ejif-3269	261	7	,	,	PUNCT
ejif-3269	261	8	nottingham	nottingham	PROPN
ejif-3269	261	9	university	university	PROPN
ejif-3269	261	10	,	,	PUNCT
ejif-3269	261	11	malaysia	malaysia	PROPN
ejif-3269	261	12	prof	prof	PROPN
ejif-3269	261	13	.	.	PUNCT
ejif-3269	262	1	younes	younes	PROPN
ejif-3269	262	2	soualhi	soualhi	PROPN
ejif-3269	262	3	,	,	PUNCT
ejif-3269	262	4	international	international	ADJ
ejif-3269	262	5	islamic	islamic	PROPN
ejif-3269	262	6	university	university	PROPN
ejif-3269	262	7	,	,	PUNCT
ejif-3269	262	8	malaysia	malaysia	PROPN
ejif-3269	262	9	prof	prof	PROPN
ejif-3269	262	10	.	.	PUNCT
ejif-3269	263	1	laurent	laurent	PROPN
ejif-3269	263	2	weill	weill	PROPN
ejif-3269	263	3	,	,	PUNCT
ejif-3269	263	4	university	university	NOUN
ejif-3269	263	5	of	of	ADP
ejif-3269	263	6	strasbourg	strasbourg	PROPN
ejif-3269	263	7	,	,	PUNCT
ejif-3269	263	8	france	france	PROPN