id	sid	tid	token	lemma	pos
ejif-3301	1	1	paper	paper	NOUN
ejif-3301	1	2	title	title	NOUN
ejif-3301	1	3	(	(	PUNCT
ejif-3301	1	4	use	use	NOUN
ejif-3301	1	5	style	style	NOUN
ejif-3301	1	6	:	:	PUNCT
ejif-3301	1	7	paper	paper	NOUN
ejif-3301	1	8	title	title	NOUN
ejif-3301	1	9	)	)	PUNCT
ejif-3301	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	1	11	issn	issn	VERB
ejif-3301	1	12	2421	2421	NUM
ejif-3301	1	13	-	-	SYM
ejif-3301	1	14	2172	2172	NUM
ejif-3301	1	15	1	1	NUM
ejif-3301	1	16	impact	impact	NOUN
ejif-3301	1	17	of	of	ADP
ejif-3301	1	18	asymmetric	asymmetric	ADJ
ejif-3301	1	19	information	information	NOUN
ejif-3301	1	20	in	in	ADP
ejif-3301	1	21	islamic	islamic	ADJ
ejif-3301	1	22	financial	financial	ADJ
ejif-3301	1	23	contract	contract	NOUN
ejif-3301	1	24	:	:	PUNCT
ejif-3301	1	25	an	an	DET
ejif-3301	1	26	empirical	empirical	ADJ
ejif-3301	1	27	analysis	analysis	NOUN
ejif-3301	1	28	abstract	abstract	ADJ
ejif-3301	1	29	—	—	PUNCT
ejif-3301	1	30	a	a	DET
ejif-3301	1	31	primary	primary	ADJ
ejif-3301	1	32	source	source	NOUN
ejif-3301	1	33	of	of	ADP
ejif-3301	1	34	asymmetric	asymmetric	ADJ
ejif-3301	1	35	information	information	NOUN
ejif-3301	1	36	arises	arise	VERB
ejif-3301	1	37	from	from	ADP
ejif-3301	1	38	banks	bank	NOUN
ejif-3301	1	39	’	'	PUNCT
ejif-3301	1	40	uncertainty	uncertainty	NOUN
ejif-3301	1	41	about	about	ADP
ejif-3301	1	42	borrowers	borrower	NOUN
ejif-3301	1	43	‘	'	PUNCT
ejif-3301	1	44	creditworthiness	creditworthiness	NOUN
ejif-3301	1	45	.	.	PUNCT
ejif-3301	2	1	this	this	PRON
ejif-3301	2	2	can	can	AUX
ejif-3301	2	3	generate	generate	VERB
ejif-3301	2	4	two	two	NUM
ejif-3301	2	5	types	type	NOUN
ejif-3301	2	6	of	of	ADP
ejif-3301	2	7	barriers	barrier	NOUN
ejif-3301	2	8	to	to	ADP
ejif-3301	2	9	efficient	efficient	ADJ
ejif-3301	2	10	credit	credit	NOUN
ejif-3301	2	11	allocation	allocation	NOUN
ejif-3301	2	12	in	in	ADP
ejif-3301	2	13	the	the	DET
ejif-3301	2	14	loan	loan	NOUN
ejif-3301	2	15	market	market	NOUN
ejif-3301	2	16	:	:	PUNCT
ejif-3301	2	17	ad	ad	NOUN
ejif-3301	2	18	-	-	PUNCT
ejif-3301	2	19	verse	verse	NOUN
ejif-3301	2	20	selection	selection	NOUN
ejif-3301	2	21	in	in	ADP
ejif-3301	2	22	the	the	DET
ejif-3301	2	23	likelihood	likelihood	NOUN
ejif-3301	2	24	of	of	ADP
ejif-3301	2	25	repayment	repayment	NOUN
ejif-3301	2	26	and	and	CCONJ
ejif-3301	2	27	moral	moral	ADJ
ejif-3301	2	28	hazard	hazard	NOUN
ejif-3301	2	29	in	in	ADP
ejif-3301	2	30	the	the	DET
ejif-3301	2	31	riskiness	riskiness	NOUN
ejif-3301	2	32	of	of	ADP
ejif-3301	2	33	firms	firm	NOUN
ejif-3301	2	34	’	’	PART
ejif-3301	2	35	business	business	NOUN
ejif-3301	2	36	decisions	decision	NOUN
ejif-3301	2	37	,	,	PUNCT
ejif-3301	2	38	also	also	ADV
ejif-3301	2	39	affecting	affect	VERB
ejif-3301	2	40	repayment	repayment	NOUN
ejif-3301	2	41	.	.	PUNCT
ejif-3301	3	1	this	this	DET
ejif-3301	3	2	study	study	NOUN
ejif-3301	3	3	investigated	investigate	VERB
ejif-3301	3	4	the	the	DET
ejif-3301	3	5	consequences	consequence	NOUN
ejif-3301	3	6	of	of	ADP
ejif-3301	3	7	asymmetric	asymmetric	ADJ
ejif-3301	3	8	information	information	NOUN
ejif-3301	3	9	on	on	ADP
ejif-3301	3	10	islamic	islamic	ADJ
ejif-3301	3	11	financial	financial	ADJ
ejif-3301	3	12	contracts	contract	NOUN
ejif-3301	3	13	in	in	ADP
ejif-3301	3	14	the	the	DET
ejif-3301	3	15	pakistani	pakistani	ADJ
ejif-3301	3	16	market	market	NOUN
ejif-3301	3	17	for	for	ADP
ejif-3301	3	18	small	small	ADJ
ejif-3301	3	19	and	and	CCONJ
ejif-3301	3	20	medium	medium	ADJ
ejif-3301	3	21	enterprise	enterprise	NOUN
ejif-3301	3	22	(	(	PUNCT
ejif-3301	3	23	sme	sme	NOUN
ejif-3301	3	24	)	)	PUNCT
ejif-3301	3	25	business	business	NOUN
ejif-3301	3	26	lines	line	NOUN
ejif-3301	3	27	of	of	ADP
ejif-3301	3	28	credit	credit	NOUN
ejif-3301	3	29	.	.	PUNCT
ejif-3301	4	1	islamic	islamic	PROPN
ejif-3301	4	2	bank	bank	PROPN
ejif-3301	4	3	’s	’s	PART
ejif-3301	4	4	main	main	ADJ
ejif-3301	4	5	financial	financial	ADJ
ejif-3301	4	6	contracts	contract	NOUN
ejif-3301	4	7	were	be	AUX
ejif-3301	4	8	discuss	discuss	VERB
ejif-3301	4	9	the	the	DET
ejif-3301	4	10	two	two	NUM
ejif-3301	4	11	of	of	ADP
ejif-3301	4	12	them	they	PRON
ejif-3301	4	13	which	which	PRON
ejif-3301	4	14	are	be	AUX
ejif-3301	4	15	istisna	istisna	NOUN
ejif-3301	4	16	and	and	CCONJ
ejif-3301	4	17	murabaha	murabaha	VERB
ejif-3301	4	18	.the	.the	DET
ejif-3301	4	19	methods	method	NOUN
ejif-3301	4	20	of	of	ADP
ejif-3301	4	21	’	'	PUNCT
ejif-3301	4	22	t	t	NOUN
ejif-3301	4	23	test	test	NOUN
ejif-3301	4	24	’	'	PUNCT
ejif-3301	4	25	was	be	AUX
ejif-3301	4	26	conducted	conduct	VERB
ejif-3301	4	27	to	to	PART
ejif-3301	4	28	ascertain	ascertain	VERB
ejif-3301	4	29	the	the	DET
ejif-3301	4	30	difference	difference	NOUN
ejif-3301	4	31	in	in	ADP
ejif-3301	4	32	means	mean	NOUN
ejif-3301	4	33	of	of	ADP
ejif-3301	4	34	both	both	DET
ejif-3301	4	35	forms	form	NOUN
ejif-3301	4	36	of	of	ADP
ejif-3301	4	37	financing	financing	NOUN
ejif-3301	4	38	,	,	PUNCT
ejif-3301	4	39	whereas	whereas	SCONJ
ejif-3301	4	40	multiple	multiple	ADJ
ejif-3301	4	41	regression	regression	NOUN
ejif-3301	4	42	analysis	analysis	NOUN
ejif-3301	4	43	using	use	VERB
ejif-3301	4	44	panel	panel	NOUN
ejif-3301	4	45	data	datum	NOUN
ejif-3301	4	46	to	to	PART
ejif-3301	4	47	assess	assess	VERB
ejif-3301	4	48	the	the	DET
ejif-3301	4	49	relationship	relationship	NOUN
ejif-3301	4	50	of	of	ADP
ejif-3301	4	51	critical	critical	ADJ
ejif-3301	4	52	variables	variable	NOUN
ejif-3301	4	53	with	with	ADP
ejif-3301	4	54	disbursed	disburse	VERB
ejif-3301	4	55	amount	amount	NOUN
ejif-3301	4	56	,	,	PUNCT
ejif-3301	4	57	profit	profit	NOUN
ejif-3301	4	58	rate	rate	NOUN
ejif-3301	4	59	,	,	PUNCT
ejif-3301	4	60	spread	spread	NOUN
ejif-3301	4	61	,	,	PUNCT
ejif-3301	4	62	tenor	tenor	NOUN
ejif-3301	4	63	.	.	PUNCT
ejif-3301	5	1	data	datum	NOUN
ejif-3301	5	2	of	of	ADP
ejif-3301	5	3	three	three	NUM
ejif-3301	5	4	year	year	NOUN
ejif-3301	5	5	i.e.	i.e.	X
ejif-3301	5	6	from	from	ADP
ejif-3301	5	7	2016	2016	NUM
ejif-3301	5	8	to2018	to2018	NOUN
ejif-3301	5	9	of	of	ADP
ejif-3301	5	10	35	35	NUM
ejif-3301	5	11	firms	firm	NOUN
ejif-3301	5	12	,	,	PUNCT
ejif-3301	5	13	with	with	ADP
ejif-3301	5	14	105	105	NUM
ejif-3301	5	15	numbers	number	NOUN
ejif-3301	5	16	of	of	ADP
ejif-3301	5	17	observations	observation	NOUN
ejif-3301	5	18	having	have	VERB
ejif-3301	5	19	istisna	istisna	NOUN
ejif-3301	5	20	and	and	CCONJ
ejif-3301	5	21	murabaha	murabaha	NOUN
ejif-3301	5	22	contract	contract	NOUN
ejif-3301	5	23	,	,	PUNCT
ejif-3301	5	24	were	be	AUX
ejif-3301	5	25	taken	take	VERB
ejif-3301	5	26	.	.	PUNCT
ejif-3301	6	1	the	the	DET
ejif-3301	6	2	results	result	NOUN
ejif-3301	6	3	suggested	suggest	VERB
ejif-3301	6	4	that	that	SCONJ
ejif-3301	6	5	both	both	CCONJ
ejif-3301	6	6	the	the	DET
ejif-3301	6	7	means	mean	NOUN
ejif-3301	6	8	of	of	ADP
ejif-3301	6	9	murabaha	murabaha	NOUN
ejif-3301	6	10	and	and	CCONJ
ejif-3301	6	11	istisna	istisna	NOUN
ejif-3301	6	12	financing	financing	NOUN
ejif-3301	6	13	are	be	AUX
ejif-3301	6	14	significantly	significantly	ADV
ejif-3301	6	15	different	different	ADJ
ejif-3301	6	16	in	in	ADP
ejif-3301	6	17	major	major	ADJ
ejif-3301	6	18	performance	performance	NOUN
ejif-3301	6	19	indicators	indicator	NOUN
ejif-3301	6	20	,	,	PUNCT
ejif-3301	6	21	implicating	implicate	VERB
ejif-3301	6	22	companies	company	NOUN
ejif-3301	6	23	that	that	PRON
ejif-3301	6	24	have	have	AUX
ejif-3301	6	25	taken	take	VERB
ejif-3301	6	26	these	these	DET
ejif-3301	6	27	two	two	NUM
ejif-3301	6	28	financing	financing	NOUN
ejif-3301	6	29	have	have	AUX
ejif-3301	6	30	performed	perform	VERB
ejif-3301	6	31	differently	differently	ADV
ejif-3301	6	32	.	.	PUNCT
ejif-3301	7	1	secondly	secondly	ADV
ejif-3301	7	2	,	,	PUNCT
ejif-3301	7	3	in	in	ADP
ejif-3301	7	4	most	most	ADJ
ejif-3301	7	5	of	of	ADP
ejif-3301	7	6	the	the	DET
ejif-3301	7	7	ratio	ratio	NOUN
ejif-3301	7	8	that	that	PRON
ejif-3301	7	9	mattered	matter	VERB
ejif-3301	7	10	like	like	ADP
ejif-3301	7	11	efficiency	efficiency	NOUN
ejif-3301	7	12	and	and	CCONJ
ejif-3301	7	13	profitability	profitability	NOUN
ejif-3301	7	14	,	,	PUNCT
ejif-3301	7	15	murabaha	murabaha	NOUN
ejif-3301	7	16	based	base	VERB
ejif-3301	7	17	financing	financing	NOUN
ejif-3301	7	18	have	have	AUX
ejif-3301	7	19	yielded	yield	VERB
ejif-3301	7	20	results	result	NOUN
ejif-3301	7	21	that	that	PRON
ejif-3301	7	22	are	be	AUX
ejif-3301	7	23	more	more	ADV
ejif-3301	7	24	efficient	efficient	ADJ
ejif-3301	7	25	and	and	CCONJ
ejif-3301	7	26	better	well	ADV
ejif-3301	7	27	performed	perform	VERB
ejif-3301	7	28	as	as	ADP
ejif-3301	7	29	compared	compare	VERB
ejif-3301	7	30	to	to	ADP
ejif-3301	7	31	istisna	istisna	NOUN
ejif-3301	7	32	)	)	PUNCT
ejif-3301	7	33	keywordsasymmetric	keywordsasymmetric	ADJ
ejif-3301	7	34	information	information	NOUN
ejif-3301	7	35	;	;	PUNCT
ejif-3301	7	36	islamic	islamic	ADJ
ejif-3301	7	37	financial	financial	ADJ
ejif-3301	7	38	contracts	contract	NOUN
ejif-3301	7	39	;	;	PUNCT
ejif-3301	7	40	istisna	istisna	NOUN
ejif-3301	7	41	;	;	PUNCT
ejif-3301	7	42	murabaha	murabaha	NOUN
ejif-3301	7	43	;	;	PUNCT
ejif-3301	7	44	islamic	islamic	PROPN
ejif-3301	7	45	bank	bank	PROPN
ejif-3301	7	46	;	;	PUNCT
ejif-3301	7	47	pakistan	pakistan	PROPN
ejif-3301	7	48	;	;	PUNCT
ejif-3301	7	49	i.	i.	NOUN
ejif-3301	7	50	introduction	introduction	NOUN
ejif-3301	7	51	1.1	1.1	NUM
ejif-3301	7	52	.	.	PUNCT
ejif-3301	8	1	background	background	NOUN
ejif-3301	8	2	to	to	ADP
ejif-3301	8	3	the	the	DET
ejif-3301	8	4	study	study	NOUN
ejif-3301	8	5	banking	banking	NOUN
ejif-3301	8	6	sector	sector	NOUN
ejif-3301	8	7	serves	serve	VERB
ejif-3301	8	8	as	as	ADP
ejif-3301	8	9	the	the	DET
ejif-3301	8	10	engine	engine	NOUN
ejif-3301	8	11	of	of	ADP
ejif-3301	8	12	growth	growth	NOUN
ejif-3301	8	13	for	for	ADP
ejif-3301	8	14	any	any	DET
ejif-3301	8	15	economy	economy	NOUN
ejif-3301	8	16	.	.	PUNCT
ejif-3301	9	1	an	an	DET
ejif-3301	9	2	economy	economy	NOUN
ejif-3301	9	3	can	can	AUX
ejif-3301	9	4	not	not	PART
ejif-3301	9	5	run	run	VERB
ejif-3301	9	6	without	without	ADP
ejif-3301	9	7	the	the	DET
ejif-3301	9	8	existence	existence	NOUN
ejif-3301	9	9	of	of	ADP
ejif-3301	9	10	banking	banking	NOUN
ejif-3301	9	11	sector	sector	NOUN
ejif-3301	9	12	as	as	SCONJ
ejif-3301	9	13	it	it	PRON
ejif-3301	9	14	channelize	channelize	VERB
ejif-3301	9	15	the	the	DET
ejif-3301	9	16	funds	fund	NOUN
ejif-3301	9	17	from	from	ADP
ejif-3301	9	18	those	those	PRON
ejif-3301	9	19	who	who	PRON
ejif-3301	9	20	have	have	VERB
ejif-3301	9	21	excess	excess	NOUN
ejif-3301	9	22	to	to	ADP
ejif-3301	9	23	those	those	PRON
ejif-3301	9	24	who	who	PRON
ejif-3301	9	25	have	have	VERB
ejif-3301	9	26	opportunities	opportunity	NOUN
ejif-3301	9	27	to	to	PART
ejif-3301	9	28	deploy	deploy	VERB
ejif-3301	9	29	those	those	DET
ejif-3301	9	30	funds	fund	NOUN
ejif-3301	9	31	in	in	ADP
ejif-3301	9	32	profit	profit	NOUN
ejif-3301	9	33	generating	generating	NOUN
ejif-3301	9	34	activities	activity	NOUN
ejif-3301	9	35	and	and	CCONJ
ejif-3301	9	36	share	share	VERB
ejif-3301	9	37	the	the	DET
ejif-3301	9	38	benefits	benefit	NOUN
ejif-3301	9	39	with	with	ADP
ejif-3301	9	40	the	the	DET
ejif-3301	9	41	owners	owner	NOUN
ejif-3301	9	42	of	of	ADP
ejif-3301	9	43	the	the	DET
ejif-3301	9	44	funds	fund	NOUN
ejif-3301	9	45	.	.	PUNCT
ejif-3301	10	1	islamic	islamic	ADJ
ejif-3301	10	2	banking	banking	NOUN
ejif-3301	10	3	emerged	emerge	VERB
ejif-3301	10	4	as	as	ADP
ejif-3301	10	5	a	a	DET
ejif-3301	10	6	practical	practical	ADJ
ejif-3301	10	7	reality	reality	NOUN
ejif-3301	10	8	and	and	CCONJ
ejif-3301	10	9	started	start	VERB
ejif-3301	10	10	functioning	function	VERB
ejif-3301	10	11	in	in	ADP
ejif-3301	10	12	1970s	1970	NOUN
ejif-3301	10	13	.	.	PUNCT
ejif-3301	11	1	since	since	SCONJ
ejif-3301	11	2	then	then	ADV
ejif-3301	11	3	it	it	PRON
ejif-3301	11	4	has	have	AUX
ejif-3301	11	5	been	be	AUX
ejif-3301	11	6	growing	grow	VERB
ejif-3301	11	7	continuously	continuously	ADV
ejif-3301	11	8	all	all	ADV
ejif-3301	11	9	over	over	ADP
ejif-3301	11	10	the	the	DET
ejif-3301	11	11	world	world	NOUN
ejif-3301	11	12	.	.	PUNCT
ejif-3301	12	1	the	the	DET
ejif-3301	12	2	global	global	ADJ
ejif-3301	12	3	market	market	NOUN
ejif-3301	12	4	share	share	NOUN
ejif-3301	12	5	of	of	ADP
ejif-3301	12	6	islamic	islamic	ADJ
ejif-3301	12	7	banking	banking	NOUN
ejif-3301	12	8	in	in	ADP
ejif-3301	12	9	total	total	ADJ
ejif-3301	12	10	islamic	islamic	ADJ
ejif-3301	12	11	financial	financial	ADJ
ejif-3301	12	12	industry	industry	NOUN
ejif-3301	12	13	(	(	PUNCT
ejif-3301	12	14	ifi	ifi	PROPN
ejif-3301	12	15	)	)	PUNCT
ejif-3301	12	16	is	be	AUX
ejif-3301	12	17	equivalent	equivalent	ADJ
ejif-3301	12	18	to	to	ADP
ejif-3301	12	19	usd	usd	PROPN
ejif-3301	12	20	1,557.5	1,557.5	NUM
ejif-3301	12	21	billion	billion	NUM
ejif-3301	12	22	which	which	PRON
ejif-3301	12	23	represents	represent	VERB
ejif-3301	12	24	76	76	NUM
ejif-3301	12	25	%	%	NOUN
ejif-3301	12	26	approx	approx	NOUN
ejif-3301	12	27	.	.	PUNCT
ejif-3301	13	1	the	the	DET
ejif-3301	13	2	islamic	islamic	ADJ
ejif-3301	13	3	financial	financial	PROPN
ejif-3301	13	4	industry	industry	NOUN
ejif-3301	13	5	(	(	PUNCT
ejif-3301	13	6	ifi	ifi	PROPN
ejif-3301	13	7	)	)	PUNCT
ejif-3301	13	8	,	,	PUNCT
ejif-3301	13	9	which	which	PRON
ejif-3301	13	10	is	be	AUX
ejif-3301	13	11	equivalent	equivalent	ADJ
ejif-3301	13	12	to	to	ADP
ejif-3301	13	13	usd	usd	PROPN
ejif-3301	13	14	2,050.2	2,050.2	NUM
ejif-3301	13	15	billion	billion	NUM
ejif-3301	13	16	.	.	PUNCT
ejif-3301	14	1	the	the	DET
ejif-3301	14	2	global	global	PROPN
ejif-3301	14	3	ifi	ifi	PROPN
ejif-3301	14	4	,	,	PUNCT
ejif-3301	14	5	which	which	PRON
ejif-3301	14	6	comprises	comprise	VERB
ejif-3301	14	7	of	of	ADP
ejif-3301	14	8	islamic	islamic	ADJ
ejif-3301	14	9	banking	banking	NOUN
ejif-3301	14	10	,	,	PUNCT
ejif-3301	14	11	islamic	islamic	ADJ
ejif-3301	14	12	capital	capital	NOUN
ejif-3301	14	13	market	market	PROPN
ejif-3301	14	14	and	and	CCONJ
ejif-3301	14	15	islamic	islamic	ADJ
ejif-3301	14	16	insurance	insurance	NOUN
ejif-3301	14	17	(	(	PUNCT
ejif-3301	14	18	takaful	takaful	ADJ
ejif-3301	14	19	)	)	PUNCT
ejif-3301	14	20	sector	sector	NOUN
ejif-3301	14	21	has	have	VERB
ejif-3301	14	22	growth	growth	NOUN
ejif-3301	14	23	at	at	ADP
ejif-3301	14	24	8.30	8.30	NUM
ejif-3301	14	25	%	%	NOUN
ejif-3301	14	26	.	.	PUNCT
ejif-3301	15	1	table	table	NOUN
ejif-3301	15	2	1	1	NUM
ejif-3301	15	3	:	:	PUNCT
ejif-3301	15	4	breakdown	breakdown	NOUN
ejif-3301	15	5	of	of	ADP
ejif-3301	15	6	global	global	ADJ
ejif-3301	15	7	ifi	ifi	NOUN
ejif-3301	15	8	by	by	ADP
ejif-3301	15	9	sector	sector	NOUN
ejif-3301	15	10	source	source	NOUN
ejif-3301	15	11	:	:	PUNCT
ejif-3301	15	12	islamic	islamic	ADJ
ejif-3301	15	13	financial	financial	PROPN
ejif-3301	15	14	services	service	NOUN
ejif-3301	15	15	industry	industry	NOUN
ejif-3301	15	16	stability	stability	NOUN
ejif-3301	15	17	report	report	NOUN
ejif-3301	15	18	(	(	PUNCT
ejif-3301	15	19	2018	2018	NUM
ejif-3301	15	20	)	)	PUNCT
ejif-3301	15	21	as	as	SCONJ
ejif-3301	15	22	depicted	depict	VERB
ejif-3301	15	23	in	in	ADP
ejif-3301	15	24	above	above	ADP
ejif-3301	15	25	table	table	NOUN
ejif-3301	15	26	banking	banking	NOUN
ejif-3301	15	27	assets	asset	NOUN
ejif-3301	15	28	forms	form	VERB
ejif-3301	15	29	the	the	DET
ejif-3301	15	30	largest	large	ADJ
ejif-3301	15	31	part	part	NOUN
ejif-3301	15	32	of	of	ADP
ejif-3301	15	33	ifi	ifi	PROPN
ejif-3301	15	34	.	.	PUNCT
ejif-3301	16	1	the	the	DET
ejif-3301	16	2	islamic	islamic	PROPN
ejif-3301	16	3	finance	finance	NOUN
ejif-3301	16	4	industry	industry	NOUN
ejif-3301	16	5	has	have	AUX
ejif-3301	16	6	expanded	expand	VERB
ejif-3301	16	7	rapidly	rapidly	ADV
ejif-3301	16	8	over	over	ADP
ejif-3301	16	9	the	the	DET
ejif-3301	16	10	past	past	ADJ
ejif-3301	16	11	decade	decade	NOUN
ejif-3301	16	12	,	,	PUNCT
ejif-3301	16	13	growing	grow	VERB
ejif-3301	16	14	at	at	ADP
ejif-3301	16	15	10	10	NUM
ejif-3301	16	16	-	-	SYM
ejif-3301	16	17	12	12	NUM
ejif-3301	16	18	%	%	NOUN
ejif-3301	16	19	annually	annually	ADV
ejif-3301	16	20	.	.	PUNCT
ejif-3301	17	1	today	today	NOUN
ejif-3301	17	2	,	,	PUNCT
ejif-3301	17	3	shariah	shariah	PROPN
ejif-3301	17	4	-	-	PUNCT
ejif-3301	17	5	compliant	compliant	ADJ
ejif-3301	17	6	financial	financial	ADJ
ejif-3301	17	7	assets	asset	NOUN
ejif-3301	17	8	are	be	AUX
ejif-3301	17	9	estimated	estimate	VERB
ejif-3301	17	10	at	at	ADP
ejif-3301	17	11	roughly	roughly	ADV
ejif-3301	17	12	us$2	us$2	ADJ
ejif-3301	17	13	trillion	trillion	NUM
ejif-3301	17	14	,	,	PUNCT
ejif-3301	17	15	covering	cover	VERB
ejif-3301	17	16	bank	bank	NOUN
ejif-3301	17	17	and	and	CCONJ
ejif-3301	17	18	non	non	ADJ
ejif-3301	17	19	-	-	ADJ
ejif-3301	17	20	bank	bank	ADJ
ejif-3301	17	21	financial	financial	ADJ
ejif-3301	17	22	institutions	institution	NOUN
ejif-3301	17	23	,	,	PUNCT
ejif-3301	17	24	capital	capital	NOUN
ejif-3301	17	25	markets	market	NOUN
ejif-3301	17	26	,	,	PUNCT
ejif-3301	17	27	money	money	NOUN
ejif-3301	17	28	markets	market	NOUN
ejif-3301	17	29	and	and	CCONJ
ejif-3301	17	30	insurance	insurance	NOUN
ejif-3301	17	31	(	(	PUNCT
ejif-3301	17	32	“	"	PUNCT
ejif-3301	17	33	takaful	takaful	ADJ
ejif-3301	17	34	”	"	PUNCT
ejif-3301	17	35	)	)	PUNCT
ejif-3301	17	36	.	.	PUNCT
ejif-3301	18	1	in	in	ADP
ejif-3301	18	2	many	many	ADJ
ejif-3301	18	3	majority	majority	NOUN
ejif-3301	18	4	muslim	muslim	ADJ
ejif-3301	18	5	countries	country	NOUN
ejif-3301	18	6	,	,	PUNCT
ejif-3301	18	7	islamic	islamic	ADJ
ejif-3301	18	8	banking	banking	NOUN
ejif-3301	18	9	assets	asset	NOUN
ejif-3301	18	10	have	have	AUX
ejif-3301	18	11	been	be	AUX
ejif-3301	18	12	growing	grow	VERB
ejif-3301	18	13	faster	fast	ADV
ejif-3301	18	14	than	than	ADP
ejif-3301	18	15	conventional	conventional	ADJ
ejif-3301	18	16	banking	banking	NOUN
ejif-3301	18	17	assets	asset	NOUN
ejif-3301	18	18	.	.	PUNCT
ejif-3301	19	1	there	there	PRON
ejif-3301	19	2	has	have	AUX
ejif-3301	19	3	also	also	ADV
ejif-3301	19	4	been	be	AUX
ejif-3301	19	5	a	a	DET
ejif-3301	19	6	surge	surge	NOUN
ejif-3301	19	7	of	of	ADP
ejif-3301	19	8	interest	interest	NOUN
ejif-3301	19	9	in	in	ADP
ejif-3301	19	10	islamic	islamic	ADJ
ejif-3301	19	11	finance	finance	NOUN
ejif-3301	19	12	from	from	ADP
ejif-3301	19	13	non	non	ADJ
ejif-3301	19	14	-	-	ADJ
ejif-3301	19	15	muslim	muslim	ADJ
ejif-3301	19	16	countries	country	NOUN
ejif-3301	19	17	such	such	ADJ
ejif-3301	19	18	as	as	ADP
ejif-3301	19	19	the	the	DET
ejif-3301	19	20	uk	uk	PROPN
ejif-3301	19	21	,	,	PUNCT
ejif-3301	19	22	luxembourg	luxembourg	PROPN
ejif-3301	19	23	,	,	PUNCT
ejif-3301	19	24	south	south	PROPN
ejif-3301	19	25	africa	africa	PROPN
ejif-3301	19	26	,	,	PUNCT
ejif-3301	19	27	and	and	CCONJ
ejif-3301	19	28	hong	hong	PROPN
ejif-3301	19	29	kong	kong	PROPN
ejif-3301	19	30	.	.	PUNCT
ejif-3301	20	1	islamic	islamic	ADJ
ejif-3301	20	2	banking	banking	PROPN
ejif-3301	20	3	and	and	CCONJ
ejif-3301	20	4	finance	finance	NOUN
ejif-3301	20	5	has	have	AUX
ejif-3301	20	6	emerged	emerge	VERB
ejif-3301	20	7	as	as	ADP
ejif-3301	20	8	a	a	DET
ejif-3301	20	9	potential	potential	ADJ
ejif-3301	20	10	replacement	replacement	NOUN
ejif-3301	20	11	of	of	ADP
ejif-3301	20	12	interest	interest	NOUN
ejif-3301	20	13	based	base	VERB
ejif-3301	20	14	financial	financial	ADJ
ejif-3301	20	15	market	market	NOUN
ejif-3301	20	16	.	.	PUNCT
ejif-3301	21	1	the	the	DET
ejif-3301	21	2	growth	growth	NOUN
ejif-3301	21	3	is	be	AUX
ejif-3301	21	4	not	not	PART
ejif-3301	21	5	limited	limit	VERB
ejif-3301	21	6	to	to	ADP
ejif-3301	21	7	the	the	DET
ejif-3301	21	8	muslim	muslim	PROPN
ejif-3301	21	9	dominated	dominate	VERB
ejif-3301	21	10	countries	country	NOUN
ejif-3301	21	11	but	but	CCONJ
ejif-3301	21	12	also	also	ADV
ejif-3301	21	13	shown	show	VERB
ejif-3301	21	14	its	its	PRON
ejif-3301	21	15	foot	foot	NOUN
ejif-3301	21	16	prints	print	NOUN
ejif-3301	21	17	non	non	ADJ
ejif-3301	21	18	-	-	ADJ
ejif-3301	21	19	muslim	muslim	ADJ
ejif-3301	21	20	countries	country	NOUN
ejif-3301	21	21	.	.	PUNCT
ejif-3301	22	1	the	the	DET
ejif-3301	22	2	global	global	ADJ
ejif-3301	22	3	islamic	islamic	PROPN
ejif-3301	22	4	banking	banking	NOUN
ejif-3301	22	5	industry	industry	NOUN
ejif-3301	22	6	,	,	PUNCT
ejif-3301	22	7	operating	operate	VERB
ejif-3301	22	8	alongside	alongside	ADP
ejif-3301	22	9	conventional	conventional	ADJ
ejif-3301	22	10	financial	financial	ADJ
ejif-3301	22	11	institutions	institution	NOUN
ejif-3301	22	12	,	,	PUNCT
ejif-3301	22	13	has	have	AUX
ejif-3301	22	14	also	also	ADV
ejif-3301	22	15	weathered	weather	VERB
ejif-3301	22	16	several	several	ADJ
ejif-3301	22	17	systemic	systemic	ADJ
ejif-3301	22	18	challenges	challenge	NOUN
ejif-3301	22	19	over	over	ADP
ejif-3301	22	20	the	the	DET
ejif-3301	22	21	past	past	ADJ
ejif-3301	22	22	several	several	ADJ
ejif-3301	22	23	years	year	NOUN
ejif-3301	22	24	.	.	PUNCT
ejif-3301	23	1	1	1	NUM
ejif-3301	23	2	major	major	ADJ
ejif-3301	23	3	financial	financial	ADJ
ejif-3301	23	4	markets	market	NOUN
ejif-3301	23	5	are	be	AUX
ejif-3301	23	6	discovering	discover	VERB
ejif-3301	23	7	solid	solid	ADJ
ejif-3301	23	8	evidence	evidence	NOUN
ejif-3301	23	9	that	that	SCONJ
ejif-3301	23	10	islamic	islamic	ADJ
ejif-3301	23	11	finance	finance	NOUN
ejif-3301	23	12	has	have	AUX
ejif-3301	23	13	already	already	ADV
ejif-3301	23	14	been	be	AUX
ejif-3301	23	15	mainstreamed	mainstreame	VERB
ejif-3301	23	16	within	within	ADP
ejif-3301	23	17	the	the	DET
ejif-3301	23	18	global	global	ADJ
ejif-3301	23	19	financial	financial	ADJ
ejif-3301	23	20	system	system	NOUN
ejif-3301	23	21	–	–	PUNCT
ejif-3301	23	22	and	and	CCONJ
ejif-3301	23	23	that	that	SCONJ
ejif-3301	23	24	it	it	PRON
ejif-3301	23	25	has	have	VERB
ejif-3301	23	26	the	the	DET
ejif-3301	23	27	potential	potential	NOUN
ejif-3301	23	28	to	to	PART
ejif-3301	23	29	help	help	VERB
ejif-3301	23	30	address	address	VERB
ejif-3301	23	31	the	the	DET
ejif-3301	23	32	challenges	challenge	NOUN
ejif-3301	23	33	of	of	ADP
ejif-3301	23	34	ending	end	VERB
ejif-3301	23	35	extreme	extreme	ADJ
ejif-3301	23	36	poverty	poverty	NOUN
ejif-3301	23	37	and	and	CCONJ
ejif-3301	23	38	boosting	boost	VERB
ejif-3301	23	39	shared	shared	ADJ
ejif-3301	23	40	prosperity	prosperity	NOUN
ejif-3301	23	41	.	.	PUNCT
ejif-3301	24	1	1	1	NUM
ejif-3301	24	2	islamic	islamic	ADJ
ejif-3301	24	3	financial	financial	ADJ
ejif-3301	24	4	services	service	NOUN
ejif-3301	24	5	industry	industry	NOUN
ejif-3301	24	6	stability	stability	NOUN
ejif-3301	24	7	report	report	NOUN
ejif-3301	24	8	(	(	PUNCT
ejif-3301	24	9	2018	2018	NUM
ejif-3301	24	10	)	)	PUNCT
ejif-3301	24	11	,	,	PUNCT
ejif-3301	24	12	page	page	NOUN
ejif-3301	24	13	87	87	NUM
ejif-3301	24	14	,	,	PUNCT
ejif-3301	24	15	88	88	NUM
ejif-3301	24	16	sajjad	sajjad	PROPN
ejif-3301	24	17	hussain	hussain	PROPN
ejif-3301	24	18	zafar	zafar	PROPN
ejif-3301	24	19	,	,	PUNCT
ejif-3301	24	20	research	research	NOUN
ejif-3301	24	21	scholar	scholar	NOUN
ejif-3301	24	22	,	,	PUNCT
ejif-3301	24	23	karachi	karachi	PROPN
ejif-3301	24	24	university	university	PROPN
ejif-3301	24	25	business	business	NOUN
ejif-3301	24	26	school	school	NOUN
ejif-3301	24	27	,	,	PUNCT
ejif-3301	24	28	university	university	PROPN
ejif-3301	24	29	of	of	ADP
ejif-3301	24	30	karachi,pakistan.email:executive.scs@gmail.com	karachi,pakistan.email:executive.scs@gmail.com	PROPN
ejif-3301	24	31	dr.danish	dr.danish	PROPN
ejif-3301	24	32	ahmed	ahmed	PROPN
ejif-3301	24	33	siddiqui	siddiqui	PROPN
ejif-3301	24	34	,	,	PUNCT
ejif-3301	24	35	associate	associate	NOUN
ejif-3301	24	36	professor	professor	NOUN
ejif-3301	24	37	,	,	PUNCT
ejif-3301	24	38	karachi	karachi	PROPN
ejif-3301	24	39	university	university	PROPN
ejif-3301	24	40	business	business	NOUN
ejif-3301	24	41	school	school	PROPN
ejif-3301	24	42	,	,	PUNCT
ejif-3301	24	43	pakistan	pakistan	PROPN
ejif-3301	24	44	,	,	PUNCT
ejif-3301	24	45	email	email	NOUN
ejif-3301	24	46	:	:	PUNCT
ejif-3301	24	47	daanish79@hotmail.com	daanish79@hotmail.com	X
ejif-3301	24	48	sectors	sector	NOUN
ejif-3301	24	49	of	of	ADP
ejif-3301	24	50	ifi	ifi	PROPN
ejif-3301	24	51	banking	banking	NOUN
ejif-3301	24	52	assets	asset	NOUN
ejif-3301	24	53	sukuk	sukuk	VERB
ejif-3301	24	54	islamic	islamic	ADJ
ejif-3301	24	55	funds	funds	PROPN
ejif-3301	24	56	takaful	takaful	ADJ
ejif-3301	24	57	total	total	ADJ
ejif-3301	24	58	amount	amount	NOUN
ejif-3301	24	59	in	in	ADP
ejif-3301	24	60	usd	usd	NOUN
ejif-3301	24	61	billion	billion	NUM
ejif-3301	24	62	1,557.5	1,557.5	NUM
ejif-3301	24	63	399.9	399.9	NUM
ejif-3301	24	64	66.7	66.7	NUM
ejif-3301	24	65	26.1	26.1	NUM
ejif-3301	24	66	2,050.2	2,050.2	NUM
ejif-3301	24	67	percentage	percentage	NOUN
ejif-3301	24	68	share	share	NOUN
ejif-3301	24	69	of	of	ADP
ejif-3301	24	70	each	each	DET
ejif-3301	24	71	sector	sector	NOUN
ejif-3301	24	72	75.98	75.98	NUM
ejif-3301	24	73	%	%	NOUN
ejif-3301	24	74	19.50	19.50	NUM
ejif-3301	24	75	%	%	NOUN
ejif-3301	24	76	3.25	3.25	NUM
ejif-3301	24	77	%	%	NOUN
ejif-3301	24	78	1.27	1.27	NUM
ejif-3301	24	79	%	%	NOUN
ejif-3301	24	80	100	100	NUM
ejif-3301	24	81	%	%	NOUN
ejif-3301	24	82	ejif	ejif	PROPN
ejif-3301	24	83	–	–	PUNCT
ejif-3301	24	84	european	european	PROPN
ejif-3301	24	85	journal	journal	PROPN
ejif-3301	24	86	of	of	ADP
ejif-3301	24	87	islamic	islamic	PROPN
ejif-3301	24	88	finance	finance	PROPN
ejif-3301	24	89	no	no	DET
ejif-3301	24	90	14	14	NUM
ejif-3301	24	91	,	,	PUNCT
ejif-3301	24	92	december	december	PROPN
ejif-3301	24	93	(	(	PUNCT
ejif-3301	24	94	2019	2019	NUM
ejif-3301	24	95	)	)	PUNCT
ejif-3301	25	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	25	2	issn	issn	VERB
ejif-3301	25	3	2421	2421	NUM
ejif-3301	25	4	-	-	SYM
ejif-3301	25	5	2172	2172	NUM
ejif-3301	25	6	2	2	NUM
ejif-3301	25	7	in	in	ADP
ejif-3301	25	8	pakistan	pakistan	PROPN
ejif-3301	25	9	,	,	PUNCT
ejif-3301	25	10	the	the	DET
ejif-3301	25	11	banking	banking	NOUN
ejif-3301	25	12	industry	industry	NOUN
ejif-3301	25	13	is	be	AUX
ejif-3301	25	14	comprised	comprise	VERB
ejif-3301	25	15	of	of	ADP
ejif-3301	25	16	conventional	conventional	ADJ
ejif-3301	25	17	banking	banking	NOUN
ejif-3301	25	18	sector	sector	NOUN
ejif-3301	25	19	and	and	CCONJ
ejif-3301	25	20	islamic	islamic	ADJ
ejif-3301	25	21	banking	banking	NOUN
ejif-3301	25	22	sector	sector	NOUN
ejif-3301	25	23	with	with	ADP
ejif-3301	25	24	87.1	87.1	NUM
ejif-3301	25	25	%	%	NOUN
ejif-3301	25	26	and	and	CCONJ
ejif-3301	25	27	12.9	12.9	NUM
ejif-3301	25	28	%	%	NOUN
ejif-3301	25	29	share	share	NOUN
ejif-3301	25	30	respectively	respectively	ADV
ejif-3301	25	31	state	state	NOUN
ejif-3301	25	32	bank	bank	PROPN
ejif-3301	25	33	of	of	ADP
ejif-3301	25	34	pakistan	pakistan	PROPN
ejif-3301	25	35	(	(	PUNCT
ejif-3301	25	36	2018	2018	NUM
ejif-3301	25	37	)	)	PUNCT
ejif-3301	25	38	.	.	PUNCT
ejif-3301	26	1	being	be	AUX
ejif-3301	26	2	the	the	DET
ejif-3301	26	3	second	second	ADV
ejif-3301	26	4	largest	large	ADJ
ejif-3301	26	5	country	country	NOUN
ejif-3301	26	6	of	of	ADP
ejif-3301	26	7	muslim	muslim	ADJ
ejif-3301	26	8	population	population	PROPN
ejif-3301	26	9	after	after	ADP
ejif-3301	26	10	indonesia	indonesia	PROPN
ejif-3301	26	11	,	,	PUNCT
ejif-3301	26	12	pakistan	pakistan	PROPN
ejif-3301	26	13	has	have	VERB
ejif-3301	26	14	great	great	ADJ
ejif-3301	26	15	potential	potential	NOUN
ejif-3301	26	16	for	for	ADP
ejif-3301	26	17	growth	growth	NOUN
ejif-3301	26	18	of	of	ADP
ejif-3301	26	19	islamic	islamic	ADJ
ejif-3301	26	20	banking	banking	NOUN
ejif-3301	26	21	and	and	CCONJ
ejif-3301	26	22	financial	financial	ADJ
ejif-3301	26	23	industry	industry	NOUN
ejif-3301	26	24	.	.	PUNCT
ejif-3301	27	1	islamic	islamic	ADJ
ejif-3301	27	2	finance	finance	PROPN
ejif-3301	27	3	is	be	AUX
ejif-3301	27	4	equity	equity	NOUN
ejif-3301	27	5	-	-	PUNCT
ejif-3301	27	6	based	base	VERB
ejif-3301	27	7	,	,	PUNCT
ejif-3301	27	8	asset	asset	NOUN
ejif-3301	27	9	-	-	PUNCT
ejif-3301	27	10	backed	back	VERB
ejif-3301	27	11	,	,	PUNCT
ejif-3301	27	12	ethical	ethical	ADJ
ejif-3301	27	13	,	,	PUNCT
ejif-3301	27	14	sustainable	sustainable	ADJ
ejif-3301	27	15	,	,	PUNCT
ejif-3301	27	16	environmentallyand	environmentallyand	NOUN
ejif-3301	27	17	socially	socially	ADV
ejif-3301	27	18	-	-	PUNCT
ejif-3301	27	19	responsible	responsible	ADJ
ejif-3301	27	20	finance	finance	NOUN
ejif-3301	27	21	.	.	PUNCT
ejif-3301	28	1	it	it	PRON
ejif-3301	28	2	promotes	promote	VERB
ejif-3301	28	3	risk	risk	NOUN
ejif-3301	28	4	sharing	sharing	NOUN
ejif-3301	28	5	,	,	PUNCT
ejif-3301	28	6	connects	connect	VERB
ejif-3301	28	7	the	the	DET
ejif-3301	28	8	financial	financial	ADJ
ejif-3301	28	9	sector	sector	NOUN
ejif-3301	28	10	with	with	ADP
ejif-3301	28	11	the	the	DET
ejif-3301	28	12	real	real	ADJ
ejif-3301	28	13	economy	economy	NOUN
ejif-3301	28	14	,	,	PUNCT
ejif-3301	28	15	and	and	CCONJ
ejif-3301	28	16	emphasizes	emphasize	VERB
ejif-3301	28	17	financial	financial	ADJ
ejif-3301	28	18	inclusion	inclusion	NOUN
ejif-3301	28	19	and	and	CCONJ
ejif-3301	28	20	social	social	ADJ
ejif-3301	28	21	welfare	welfare	NOUN
ejif-3301	28	22	.	.	PUNCT
ejif-3301	29	1	the	the	DET
ejif-3301	29	2	following	follow	VERB
ejif-3301	29	3	key	key	ADJ
ejif-3301	29	4	principles	principle	NOUN
ejif-3301	29	5	guide	guide	VERB
ejif-3301	29	6	islamic	islamic	ADJ
ejif-3301	29	7	finance	finance	NOUN
ejif-3301	29	8	:	:	PUNCT
ejif-3301	29	9	1	1	X
ejif-3301	29	10	.	.	X
ejif-3301	29	11	prohibition	prohibition	NOUN
ejif-3301	29	12	of	of	ADP
ejif-3301	29	13	interest	interest	NOUN
ejif-3301	29	14	on	on	ADP
ejif-3301	29	15	transactions	transaction	NOUN
ejif-3301	29	16	(	(	PUNCT
ejif-3301	29	17	riba	riba	PROPN
ejif-3301	29	18	)	)	PUNCT
ejif-3301	29	19	;	;	PUNCT
ejif-3301	29	20	2	2	X
ejif-3301	29	21	.	.	X
ejif-3301	29	22	financing	financing	NOUN
ejif-3301	29	23	must	must	AUX
ejif-3301	29	24	be	be	AUX
ejif-3301	29	25	linked	link	VERB
ejif-3301	29	26	to	to	ADP
ejif-3301	29	27	real	real	ADJ
ejif-3301	29	28	assets	asset	NOUN
ejif-3301	29	29	(	(	PUNCT
ejif-3301	29	30	materiality	materiality	NOUN
ejif-3301	29	31	)	)	PUNCT
ejif-3301	29	32	;	;	PUNCT
ejif-3301	29	33	3	3	X
ejif-3301	29	34	.	.	X
ejif-3301	29	35	engagement	engagement	NOUN
ejif-3301	29	36	in	in	ADP
ejif-3301	29	37	immoral	immoral	ADJ
ejif-3301	29	38	or	or	CCONJ
ejif-3301	29	39	ethically	ethically	ADV
ejif-3301	29	40	problematic	problematic	ADJ
ejif-3301	29	41	businesses	business	NOUN
ejif-3301	29	42	not	not	PART
ejif-3301	29	43	allowed	allow	VERB
ejif-3301	29	44	(	(	PUNCT
ejif-3301	29	45	e.g.	e.g.	ADV
ejif-3301	29	46	,	,	PUNCT
ejif-3301	29	47	arms	arm	NOUN
ejif-3301	29	48	manufacturing	manufacturing	NOUN
ejif-3301	29	49	or	or	CCONJ
ejif-3301	29	50	alcohol	alcohol	NOUN
ejif-3301	29	51	production	production	NOUN
ejif-3301	29	52	)	)	PUNCT
ejif-3301	29	53	;	;	PUNCT
ejif-3301	30	1	4	4	X
ejif-3301	30	2	.	.	X
ejif-3301	31	1	returns	return	NOUN
ejif-3301	31	2	must	must	AUX
ejif-3301	31	3	be	be	AUX
ejif-3301	31	4	linked	link	VERB
ejif-3301	31	5	to	to	ADP
ejif-3301	31	6	risks	risk	NOUN
ejif-3301	31	7	.	.	PUNCT
ejif-3301	32	1	some	some	PRON
ejif-3301	32	2	of	of	ADP
ejif-3301	32	3	the	the	DET
ejif-3301	32	4	obvious	obvious	ADJ
ejif-3301	32	5	differences	difference	NOUN
ejif-3301	32	6	between	between	ADP
ejif-3301	32	7	islamic	islamic	ADJ
ejif-3301	32	8	and	and	CCONJ
ejif-3301	32	9	conventional	conventional	ADJ
ejif-3301	32	10	banks	bank	NOUN
ejif-3301	32	11	are	be	AUX
ejif-3301	32	12	the	the	DET
ejif-3301	32	13	nature	nature	NOUN
ejif-3301	32	14	of	of	ADP
ejif-3301	32	15	contract	contract	NOUN
ejif-3301	32	16	on	on	ADP
ejif-3301	32	17	the	the	DET
ejif-3301	32	18	basis	basis	NOUN
ejif-3301	32	19	of	of	ADP
ejif-3301	32	20	which	which	PRON
ejif-3301	32	21	financing	financing	NOUN
ejif-3301	32	22	is	be	AUX
ejif-3301	32	23	being	be	AUX
ejif-3301	32	24	extended	extend	VERB
ejif-3301	32	25	to	to	ADP
ejif-3301	32	26	the	the	DET
ejif-3301	32	27	customer	customer	NOUN
ejif-3301	32	28	and	and	CCONJ
ejif-3301	32	29	mandatory	mandatory	ADJ
ejif-3301	32	30	sharia	sharia	PROPN
ejif-3301	32	31	board	board	PROPN
ejif-3301	32	32	supervision	supervision	NOUN
ejif-3301	32	33	of	of	ADP
ejif-3301	32	34	all	all	DET
ejif-3301	32	35	islamic	islamic	ADJ
ejif-3301	32	36	banking	banking	NOUN
ejif-3301	32	37	activities	activity	NOUN
ejif-3301	32	38	including	include	VERB
ejif-3301	32	39	islamic	islamic	ADJ
ejif-3301	32	40	financing	financing	NOUN
ejif-3301	32	41	.	.	PUNCT
ejif-3301	33	1	islamic	islamic	ADJ
ejif-3301	33	2	banks	bank	NOUN
ejif-3301	33	3	extend	extend	VERB
ejif-3301	33	4	financing	financing	NOUN
ejif-3301	33	5	on	on	ADP
ejif-3301	33	6	the	the	DET
ejif-3301	33	7	basis	basis	NOUN
ejif-3301	33	8	of	of	ADP
ejif-3301	33	9	sharia	sharia	PROPN
ejif-3301	33	10	compliant	compliant	ADJ
ejif-3301	33	11	mode	mode	NOUN
ejif-3301	33	12	of	of	ADP
ejif-3301	33	13	contract	contract	NOUN
ejif-3301	33	14	while	while	SCONJ
ejif-3301	33	15	conventional	conventional	ADJ
ejif-3301	33	16	banks	bank	NOUN
ejif-3301	33	17	provide	provide	VERB
ejif-3301	33	18	financing	financing	NOUN
ejif-3301	33	19	on	on	ADP
ejif-3301	33	20	the	the	DET
ejif-3301	33	21	basis	basis	NOUN
ejif-3301	33	22	of	of	ADP
ejif-3301	33	23	loan	loan	NOUN
ejif-3301	33	24	and	and	CCONJ
ejif-3301	33	25	interest	interest	NOUN
ejif-3301	33	26	.	.	PUNCT
ejif-3301	34	1	the	the	DET
ejif-3301	34	2	other	other	ADJ
ejif-3301	34	3	major	major	ADJ
ejif-3301	34	4	factor	factor	NOUN
ejif-3301	34	5	is	be	AUX
ejif-3301	34	6	the	the	DET
ejif-3301	34	7	sharia	sharia	PROPN
ejif-3301	34	8	governance	governance	NOUN
ejif-3301	34	9	by	by	ADP
ejif-3301	34	10	sharia	sharia	PROPN
ejif-3301	34	11	board	board	PROPN
ejif-3301	34	12	of	of	ADP
ejif-3301	34	13	every	every	DET
ejif-3301	34	14	islamic	islamic	PROPN
ejif-3301	34	15	bank	bank	PROPN
ejif-3301	34	16	and	and	CCONJ
ejif-3301	34	17	islamic	islamic	ADJ
ejif-3301	34	18	banking	banking	NOUN
ejif-3301	34	19	windows	window	NOUN
ejif-3301	34	20	.	.	PUNCT
ejif-3301	35	1	in	in	ADP
ejif-3301	35	2	islamic	islamic	ADJ
ejif-3301	35	3	credit	credit	NOUN
ejif-3301	35	4	model	model	NOUN
ejif-3301	35	5	,	,	PUNCT
ejif-3301	35	6	the	the	DET
ejif-3301	35	7	customers	customer	NOUN
ejif-3301	35	8	specify	specify	VERB
ejif-3301	35	9	goods	good	NOUN
ejif-3301	35	10	to	to	PART
ejif-3301	35	11	be	be	AUX
ejif-3301	35	12	purchased	purchase	VERB
ejif-3301	35	13	through	through	ADP
ejif-3301	35	14	contracts	contract	NOUN
ejif-3301	35	15	with	with	ADP
ejif-3301	35	16	the	the	DET
ejif-3301	35	17	bank	bank	NOUN
ejif-3301	35	18	to	to	PART
ejif-3301	35	19	acquire	acquire	VERB
ejif-3301	35	20	on	on	ADP
ejif-3301	35	21	customer	customer	NOUN
ejif-3301	35	22	’s	’s	PART
ejif-3301	35	23	accounts	account	NOUN
ejif-3301	35	24	,	,	PUNCT
ejif-3301	35	25	the	the	DET
ejif-3301	35	26	banks	bank	NOUN
ejif-3301	35	27	buy	buy	VERB
ejif-3301	35	28	good	good	ADJ
ejif-3301	35	29	and	and	CCONJ
ejif-3301	35	30	attains	attain	NOUN
ejif-3301	35	31	title	title	NOUN
ejif-3301	35	32	of	of	ADP
ejif-3301	35	33	ownership	ownership	NOUN
ejif-3301	35	34	from	from	ADP
ejif-3301	35	35	seller	seller	NOUN
ejif-3301	35	36	,	,	PUNCT
ejif-3301	35	37	clients	client	NOUN
ejif-3301	35	38	take	take	VERB
ejif-3301	35	39	delivery	delivery	NOUN
ejif-3301	35	40	of	of	ADP
ejif-3301	35	41	the	the	DET
ejif-3301	35	42	product	product	NOUN
ejif-3301	35	43	and	and	CCONJ
ejif-3301	35	44	pay	pay	VERB
ejif-3301	35	45	on	on	ADP
ejif-3301	35	46	deferred	deferred	ADJ
ejif-3301	35	47	basis	basis	NOUN
ejif-3301	35	48	and	and	CCONJ
ejif-3301	35	49	if	if	SCONJ
ejif-3301	35	50	the	the	DET
ejif-3301	35	51	client	client	NOUN
ejif-3301	35	52	defaults	default	VERB
ejif-3301	35	53	,	,	PUNCT
ejif-3301	35	54	the	the	DET
ejif-3301	35	55	bank	bank	NOUN
ejif-3301	35	56	can	can	AUX
ejif-3301	35	57	not	not	PART
ejif-3301	35	58	reimburse	reimburse	VERB
ejif-3301	35	59	the	the	DET
ejif-3301	35	60	penalty	penalty	NOUN
ejif-3301	35	61	charges	charge	NOUN
ejif-3301	35	62	.	.	PUNCT
ejif-3301	36	1	elgari	elgari	PROPN
ejif-3301	36	2	(	(	PUNCT
ejif-3301	36	3	2003	2003	NUM
ejif-3301	36	4	)	)	PUNCT
ejif-3301	36	5	.	.	PUNCT
ejif-3301	37	1	here	here	ADV
ejif-3301	37	2	,	,	PUNCT
ejif-3301	37	3	structural	structural	ADJ
ejif-3301	37	4	difference	difference	NOUN
ejif-3301	37	5	with	with	ADP
ejif-3301	37	6	regards	regard	NOUN
ejif-3301	37	7	to	to	ADP
ejif-3301	37	8	financing	financing	NOUN
ejif-3301	37	9	between	between	ADP
ejif-3301	37	10	islamic	islamic	ADJ
ejif-3301	37	11	and	and	CCONJ
ejif-3301	37	12	conventional	conventional	ADJ
ejif-3301	37	13	banks	bank	NOUN
ejif-3301	37	14	is	be	AUX
ejif-3301	37	15	that	that	SCONJ
ejif-3301	37	16	sharia	sharia	PROPN
ejif-3301	37	17	compliant	compliant	ADJ
ejif-3301	37	18	financing	financing	NOUN
ejif-3301	37	19	contract	contract	NOUN
ejif-3301	37	20	should	should	AUX
ejif-3301	37	21	be	be	AUX
ejif-3301	37	22	linked	link	VERB
ejif-3301	37	23	to	to	ADP
ejif-3301	37	24	real	real	ADJ
ejif-3301	37	25	assets	asset	NOUN
ejif-3301	37	26	whereas	whereas	SCONJ
ejif-3301	37	27	in	in	ADP
ejif-3301	37	28	conventional	conventional	ADJ
ejif-3301	37	29	financing	financing	NOUN
ejif-3301	37	30	,	,	PUNCT
ejif-3301	37	31	loan	loan	NOUN
ejif-3301	37	32	is	be	AUX
ejif-3301	37	33	granted	grant	VERB
ejif-3301	37	34	and	and	CCONJ
ejif-3301	37	35	interest	interest	NOUN
ejif-3301	37	36	is	be	AUX
ejif-3301	37	37	charged	charge	VERB
ejif-3301	37	38	based	base	VERB
ejif-3301	37	39	on	on	ADP
ejif-3301	37	40	creditor	creditor	NOUN
ejif-3301	37	41	’s	’s	PART
ejif-3301	37	42	riskiness	riskiness	NOUN
ejif-3301	37	43	.	.	PUNCT
ejif-3301	38	1	subsequently	subsequently	ADV
ejif-3301	38	2	,	,	PUNCT
ejif-3301	38	3	those	those	DET
ejif-3301	38	4	funds	fund	NOUN
ejif-3301	38	5	are	be	AUX
ejif-3301	38	6	utilized	utilize	VERB
ejif-3301	38	7	to	to	PART
ejif-3301	38	8	acquire	acquire	VERB
ejif-3301	38	9	asset	asset	NOUN
ejif-3301	38	10	.	.	PUNCT
ejif-3301	39	1	this	this	PRON
ejif-3301	39	2	means	mean	VERB
ejif-3301	39	3	,	,	PUNCT
ejif-3301	39	4	no	no	DET
ejif-3301	39	5	asset	asset	NOUN
ejif-3301	39	6	is	be	AUX
ejif-3301	39	7	involved	involve	VERB
ejif-3301	39	8	directly	directly	ADV
ejif-3301	39	9	in	in	ADP
ejif-3301	39	10	contract	contract	NOUN
ejif-3301	39	11	but	but	CCONJ
ejif-3301	39	12	indirectly	indirectly	ADV
ejif-3301	39	13	as	as	ADP
ejif-3301	39	14	a	a	DET
ejif-3301	39	15	result	result	NOUN
ejif-3301	39	16	of	of	ADP
ejif-3301	39	17	the	the	DET
ejif-3301	39	18	contract	contract	NOUN
ejif-3301	39	19	.	.	PUNCT
ejif-3301	40	1	this	this	PRON
ejif-3301	40	2	would	would	AUX
ejif-3301	40	3	likely	likely	VERB
ejif-3301	40	4	to	to	PART
ejif-3301	40	5	lead	lead	VERB
ejif-3301	40	6	to	to	ADP
ejif-3301	40	7	the	the	DET
ejif-3301	40	8	problems	problem	NOUN
ejif-3301	40	9	of	of	ADP
ejif-3301	40	10	asymmetric	asymmetric	ADJ
ejif-3301	40	11	information	information	NOUN
ejif-3301	40	12	.	.	PUNCT
ejif-3301	41	1	the	the	DET
ejif-3301	41	2	borrower	borrower	NOUN
ejif-3301	41	3	has	have	VERB
ejif-3301	41	4	better	well	ADJ
ejif-3301	41	5	information	information	NOUN
ejif-3301	41	6	regarding	regard	VERB
ejif-3301	41	7	potential	potential	ADJ
ejif-3301	41	8	returns	return	NOUN
ejif-3301	41	9	and	and	CCONJ
ejif-3301	41	10	risk	risk	NOUN
ejif-3301	41	11	associated	associate	VERB
ejif-3301	41	12	with	with	ADP
ejif-3301	41	13	investment	investment	NOUN
ejif-3301	41	14	projects	project	NOUN
ejif-3301	41	15	for	for	ADP
ejif-3301	41	16	which	which	PRON
ejif-3301	41	17	financing	financing	NOUN
ejif-3301	41	18	are	be	AUX
ejif-3301	41	19	done	do	VERB
ejif-3301	41	20	,	,	PUNCT
ejif-3301	41	21	than	than	ADP
ejif-3301	41	22	the	the	DET
ejif-3301	41	23	lenders	lender	NOUN
ejif-3301	41	24	.	.	PUNCT
ejif-3301	42	1	this	this	DET
ejif-3301	42	2	information	information	NOUN
ejif-3301	42	3	primarily	primarily	ADV
ejif-3301	42	4	includes	include	VERB
ejif-3301	42	5	borrower	borrower	NOUN
ejif-3301	42	6	real	real	ADJ
ejif-3301	42	7	intention	intention	NOUN
ejif-3301	42	8	of	of	ADP
ejif-3301	42	9	utilizing	utilize	VERB
ejif-3301	42	10	borrowed	borrow	VERB
ejif-3301	42	11	funds	fund	NOUN
ejif-3301	42	12	.	.	PUNCT
ejif-3301	43	1	lack	lack	NOUN
ejif-3301	43	2	of	of	ADP
ejif-3301	43	3	information	information	NOUN
ejif-3301	43	4	creates	create	VERB
ejif-3301	43	5	problems	problem	NOUN
ejif-3301	43	6	in	in	ADP
ejif-3301	43	7	the	the	DET
ejif-3301	43	8	financial	financial	ADJ
ejif-3301	43	9	system	system	NOUN
ejif-3301	43	10	on	on	ADP
ejif-3301	43	11	two	two	NUM
ejif-3301	43	12	fronts	front	NOUN
ejif-3301	43	13	,	,	PUNCT
ejif-3301	43	14	before	before	SCONJ
ejif-3301	43	15	the	the	DET
ejif-3301	43	16	transaction	transaction	NOUN
ejif-3301	43	17	is	be	AUX
ejif-3301	43	18	entered	enter	VERB
ejif-3301	43	19	into	into	ADP
ejif-3301	43	20	and	and	CCONJ
ejif-3301	43	21	after	after	ADV
ejif-3301	43	22	.	.	PUNCT
ejif-3301	44	1	these	these	DET
ejif-3301	44	2	problems	problem	NOUN
ejif-3301	44	3	are	be	AUX
ejif-3301	44	4	referred	refer	VERB
ejif-3301	44	5	to	to	ADP
ejif-3301	44	6	adverse	adverse	ADJ
ejif-3301	44	7	selection	selection	NOUN
ejif-3301	44	8	and	and	CCONJ
ejif-3301	44	9	moral	moral	ADJ
ejif-3301	44	10	hazards	hazard	NOUN
ejif-3301	44	11	respectively	respectively	ADV
ejif-3301	44	12	stiglitz	stiglitz	NOUN
ejif-3301	44	13	and	and	CCONJ
ejif-3301	44	14	weiss	weiss	PROPN
ejif-3301	44	15	(	(	PUNCT
ejif-3301	44	16	1981	1981	NUM
ejif-3301	44	17	)	)	PUNCT
ejif-3301	44	18	.	.	PUNCT
ejif-3301	45	1	adverse	adverse	ADJ
ejif-3301	45	2	selection	selection	NOUN
ejif-3301	45	3	occurs	occur	VERB
ejif-3301	45	4	before	before	ADP
ejif-3301	45	5	making	make	VERB
ejif-3301	45	6	transaction	transaction	NOUN
ejif-3301	45	7	,	,	PUNCT
ejif-3301	45	8	when	when	SCONJ
ejif-3301	45	9	those	those	DET
ejif-3301	45	10	potential	potential	ADJ
ejif-3301	45	11	borrowers	borrower	NOUN
ejif-3301	45	12	who	who	PRON
ejif-3301	45	13	are	be	AUX
ejif-3301	45	14	most	most	ADV
ejif-3301	45	15	likely	likely	ADJ
ejif-3301	45	16	to	to	PART
ejif-3301	45	17	produce	produce	VERB
ejif-3301	45	18	an	an	DET
ejif-3301	45	19	undesirable	undesirable	ADJ
ejif-3301	45	20	outcome	outcome	NOUN
ejif-3301	45	21	-	-	PUNCT
ejif-3301	45	22	bad	bad	ADJ
ejif-3301	45	23	credit	credit	NOUN
ejif-3301	45	24	risk	risk	NOUN
ejif-3301	45	25	-	-	PUNCT
ejif-3301	45	26	are	be	AUX
ejif-3301	45	27	the	the	DET
ejif-3301	45	28	one	one	NUM
ejif-3301	45	29	who	who	PRON
ejif-3301	45	30	most	most	ADV
ejif-3301	45	31	actively	actively	ADV
ejif-3301	45	32	seeks	seek	VERB
ejif-3301	45	33	out	out	ADP
ejif-3301	45	34	a	a	DET
ejif-3301	45	35	loan	loan	NOUN
ejif-3301	45	36	and	and	CCONJ
ejif-3301	45	37	thus	thus	ADV
ejif-3301	45	38	most	most	ADV
ejif-3301	45	39	likely	likely	ADJ
ejif-3301	45	40	to	to	PART
ejif-3301	45	41	be	be	AUX
ejif-3301	45	42	selected	select	VERB
ejif-3301	45	43	.	.	PUNCT
ejif-3301	46	1	whereas	whereas	ADV
ejif-3301	46	2	,	,	PUNCT
ejif-3301	46	3	moral	moral	ADJ
ejif-3301	46	4	hazards	hazard	NOUN
ejif-3301	46	5	occurs	occur	VERB
ejif-3301	46	6	after	after	ADP
ejif-3301	46	7	making	make	VERB
ejif-3301	46	8	transaction	transaction	NOUN
ejif-3301	46	9	,	,	PUNCT
ejif-3301	46	10	whereby	whereby	SCONJ
ejif-3301	46	11	the	the	DET
ejif-3301	46	12	borrower	borrower	NOUN
ejif-3301	46	13	might	might	AUX
ejif-3301	46	14	engaged	engage	VERB
ejif-3301	46	15	in	in	ADP
ejif-3301	46	16	activities	activity	NOUN
ejif-3301	46	17	that	that	PRON
ejif-3301	46	18	are	be	AUX
ejif-3301	46	19	undesirable	undesirable	ADJ
ejif-3301	46	20	(	(	PUNCT
ejif-3301	46	21	immoral	immoral	ADJ
ejif-3301	46	22	)	)	PUNCT
ejif-3301	46	23	from	from	ADP
ejif-3301	46	24	lenders	lender	NOUN
ejif-3301	46	25	point	point	NOUN
ejif-3301	46	26	of	of	ADP
ejif-3301	46	27	view	view	NOUN
ejif-3301	46	28	because	because	SCONJ
ejif-3301	46	29	they	they	PRON
ejif-3301	46	30	make	make	VERB
ejif-3301	46	31	it	it	PRON
ejif-3301	46	32	less	less	ADV
ejif-3301	46	33	likely	likely	ADJ
ejif-3301	46	34	that	that	SCONJ
ejif-3301	46	35	loan	loan	NOUN
ejif-3301	46	36	will	will	AUX
ejif-3301	46	37	be	be	AUX
ejif-3301	46	38	paid	pay	VERB
ejif-3301	46	39	.	.	PUNCT
ejif-3301	47	1	these	these	DET
ejif-3301	47	2	activities	activity	NOUN
ejif-3301	47	3	includes	include	VERB
ejif-3301	47	4	making	make	VERB
ejif-3301	47	5	investment	investment	NOUN
ejif-3301	47	6	in	in	ADP
ejif-3301	47	7	highly	highly	ADV
ejif-3301	47	8	risky	risky	ADJ
ejif-3301	47	9	business	business	NOUN
ejif-3301	47	10	such	such	ADJ
ejif-3301	47	11	as	as	ADP
ejif-3301	47	12	real	real	ADJ
ejif-3301	47	13	estate	estate	NOUN
ejif-3301	47	14	and	and	CCONJ
ejif-3301	47	15	property	property	NOUN
ejif-3301	47	16	markets	market	NOUN
ejif-3301	47	17	while	while	SCONJ
ejif-3301	47	18	taking	take	VERB
ejif-3301	47	19	loans	loan	NOUN
ejif-3301	47	20	for	for	ADP
ejif-3301	47	21	less	less	ADV
ejif-3301	47	22	risky	risky	ADJ
ejif-3301	47	23	project	project	NOUN
ejif-3301	47	24	.	.	PUNCT
ejif-3301	48	1	moral	moral	ADJ
ejif-3301	48	2	hazard	hazard	NOUN
ejif-3301	48	3	produce	produce	VERB
ejif-3301	48	4	adverse	adverse	ADJ
ejif-3301	48	5	incentives	incentive	NOUN
ejif-3301	48	6	on	on	ADP
ejif-3301	48	7	bank	bank	NOUN
ejif-3301	48	8	owners	owner	NOUN
ejif-3301	48	9	to	to	PART
ejif-3301	48	10	act	act	VERB
ejif-3301	48	11	in	in	ADP
ejif-3301	48	12	way	way	NOUN
ejif-3301	48	13	which	which	PRON
ejif-3301	48	14	are	be	AUX
ejif-3301	48	15	contrary	contrary	ADJ
ejif-3301	48	16	to	to	ADP
ejif-3301	48	17	the	the	DET
ejif-3301	48	18	interest	interest	NOUN
ejif-3301	48	19	of	of	ADP
ejif-3301	48	20	bank	bank	NOUN
ejif-3301	48	21	’s	’s	PART
ejif-3301	48	22	creditors	creditor	NOUN
ejif-3301	48	23	mainly	mainly	ADV
ejif-3301	48	24	depositors	depositor	NOUN
ejif-3301	48	25	,	,	PUNCT
ejif-3301	48	26	by	by	ADP
ejif-3301	48	27	undertaking	undertake	VERB
ejif-3301	48	28	risky	risky	ADJ
ejif-3301	48	29	investment	investment	NOUN
ejif-3301	48	30	strategies	strategy	NOUN
ejif-3301	48	31	,	,	PUNCT
ejif-3301	48	32	which	which	PRON
ejif-3301	48	33	if	if	SCONJ
ejif-3301	48	34	unsuccessful	unsuccessful	ADJ
ejif-3301	48	35	would	would	AUX
ejif-3301	48	36	jeopardize	jeopardize	VERB
ejif-3301	48	37	the	the	DET
ejif-3301	48	38	solvency	solvency	NOUN
ejif-3301	48	39	of	of	ADP
ejif-3301	48	40	the	the	DET
ejif-3301	48	41	bank	bank	NOUN
ejif-3301	48	42	.	.	PUNCT
ejif-3301	49	1	moral	moral	ADJ
ejif-3301	49	2	hazard	hazard	NOUN
ejif-3301	49	3	on	on	ADP
ejif-3301	49	4	bank	bank	NOUN
ejif-3301	49	5	owner	owner	NOUN
ejif-3301	49	6	can	can	AUX
ejif-3301	49	7	become	become	VERB
ejif-3301	49	8	worse	bad	ADJ
ejif-3301	49	9	by	by	ADP
ejif-3301	49	10	number	number	NOUN
ejif-3301	49	11	of	of	ADP
ejif-3301	49	12	factors	factor	NOUN
ejif-3301	49	13	which	which	PRON
ejif-3301	49	14	may	may	AUX
ejif-3301	49	15	force	force	VERB
ejif-3301	49	16	borrowers	borrower	NOUN
ejif-3301	49	17	to	to	PART
ejif-3301	49	18	choose	choose	VERB
ejif-3301	49	19	investments	investment	NOUN
ejif-3301	49	20	with	with	ADP
ejif-3301	49	21	higher	high	ADJ
ejif-3301	49	22	returns	return	NOUN
ejif-3301	49	23	but	but	CCONJ
ejif-3301	49	24	with	with	ADP
ejif-3301	49	25	lower	low	ADJ
ejif-3301	49	26	probabilities	probability	NOUN
ejif-3301	49	27	of	of	ADP
ejif-3301	49	28	success	success	NOUN
ejif-3301	49	29	stiglitz	stiglitz	NOUN
ejif-3301	49	30	and	and	CCONJ
ejif-3301	49	31	weiss	weiss	PROPN
ejif-3301	49	32	(	(	PUNCT
ejif-3301	49	33	1981	1981	NUM
ejif-3301	49	34	)	)	PUNCT
ejif-3301	49	35	.	.	PUNCT
ejif-3301	50	1	similarly	similarly	ADV
ejif-3301	50	2	,	,	PUNCT
ejif-3301	50	3	adverse	adverse	ADJ
ejif-3301	50	4	selection	selection	NOUN
ejif-3301	50	5	can	can	AUX
ejif-3301	50	6	also	also	ADV
ejif-3301	50	7	affect	affect	VERB
ejif-3301	50	8	the	the	DET
ejif-3301	50	9	financial	financial	ADJ
ejif-3301	50	10	soundness	soundness	NOUN
ejif-3301	50	11	of	of	ADP
ejif-3301	50	12	a	a	DET
ejif-3301	50	13	bank	bank	NOUN
ejif-3301	50	14	.	.	PUNCT
ejif-3301	51	1	higher	high	ADJ
ejif-3301	51	2	lending	lending	NOUN
ejif-3301	51	3	rate	rate	NOUN
ejif-3301	51	4	and	and	CCONJ
ejif-3301	51	5	a	a	DET
ejif-3301	51	6	greater	great	ADJ
ejif-3301	51	7	volatility	volatility	NOUN
ejif-3301	51	8	in	in	ADP
ejif-3301	51	9	expected	expect	VERB
ejif-3301	51	10	rates	rate	NOUN
ejif-3301	51	11	of	of	ADP
ejif-3301	51	12	return	return	NOUN
ejif-3301	51	13	to	to	ADP
ejif-3301	51	14	borrowers	borrower	NOUN
ejif-3301	51	15	’	'	PUNCT
ejif-3301	51	16	project	project	NOUN
ejif-3301	51	17	can	can	AUX
ejif-3301	51	18	lead	lead	VERB
ejif-3301	51	19	to	to	PART
ejif-3301	51	20	decline	decline	VERB
ejif-3301	51	21	in	in	ADP
ejif-3301	51	22	the	the	DET
ejif-3301	51	23	average	average	ADJ
ejif-3301	51	24	quality	quality	NOUN
ejif-3301	51	25	of	of	ADP
ejif-3301	51	26	the	the	DET
ejif-3301	51	27	pool	pool	NOUN
ejif-3301	51	28	of	of	ADP
ejif-3301	51	29	the	the	DET
ejif-3301	51	30	applicants	applicant	NOUN
ejif-3301	51	31	who	who	PRON
ejif-3301	51	32	are	be	AUX
ejif-3301	51	33	willing	willing	ADJ
ejif-3301	51	34	to	to	PART
ejif-3301	51	35	borrow	borrow	VERB
ejif-3301	51	36	from	from	ADP
ejif-3301	51	37	the	the	DET
ejif-3301	51	38	bank	bank	NOUN
ejif-3301	51	39	.	.	PUNCT
ejif-3301	52	1	the	the	DET
ejif-3301	52	2	high	high	ADJ
ejif-3301	52	3	creditworthy	creditworthy	ADJ
ejif-3301	52	4	borrowing	borrowing	NOUN
ejif-3301	52	5	customers	customer	NOUN
ejif-3301	52	6	are	be	AUX
ejif-3301	52	7	driven	drive	VERB
ejif-3301	52	8	out	out	ADP
ejif-3301	52	9	of	of	ADP
ejif-3301	52	10	the	the	DET
ejif-3301	52	11	market	market	NOUN
ejif-3301	52	12	by	by	ADP
ejif-3301	52	13	higher	high	ADJ
ejif-3301	52	14	lending	lending	NOUN
ejif-3301	52	15	rates	rate	NOUN
ejif-3301	52	16	.	.	PUNCT
ejif-3301	53	1	a	a	DET
ejif-3301	53	2	prudent	prudent	ADJ
ejif-3301	53	3	bank	bank	NOUN
ejif-3301	53	4	would	would	AUX
ejif-3301	53	5	ration	ration	VERB
ejif-3301	53	6	credit	credit	NOUN
ejif-3301	53	7	in	in	ADP
ejif-3301	53	8	this	this	DET
ejif-3301	53	9	situation	situation	NOUN
ejif-3301	53	10	stiglitz	stiglitz	NOUN
ejif-3301	53	11	and	and	CCONJ
ejif-3301	53	12	weiss	weiss	PROPN
ejif-3301	53	13	(	(	PUNCT
ejif-3301	53	14	1981	1981	NUM
ejif-3301	53	15	)	)	PUNCT
ejif-3301	53	16	reliable	reliable	ADJ
ejif-3301	53	17	collateral	collateral	NOUN
ejif-3301	53	18	may	may	AUX
ejif-3301	53	19	help	help	VERB
ejif-3301	53	20	to	to	PART
ejif-3301	53	21	mitigate	mitigate	VERB
ejif-3301	53	22	the	the	DET
ejif-3301	53	23	banks	bank	NOUN
ejif-3301	53	24	'	'	PART
ejif-3301	53	25	asymmetric	asymmetric	ADJ
ejif-3301	53	26	information	information	NOUN
ejif-3301	53	27	concerns	concern	NOUN
ejif-3301	53	28	by	by	ADP
ejif-3301	53	29	ensuring	ensure	VERB
ejif-3301	53	30	repayment	repayment	NOUN
ejif-3301	53	31	(	(	PUNCT
ejif-3301	53	32	bester	bester	NOUN
ejif-3301	53	33	,	,	PUNCT
ejif-3301	53	34	1985	1985	NUM
ejif-3301	53	35	;	;	PUNCT
ejif-3301	53	36	chan	chan	PROPN
ejif-3301	53	37	and	and	CCONJ
ejif-3301	53	38	thakor	thakor	NOUN
ejif-3301	53	39	,	,	PUNCT
ejif-3301	53	40	1987	1987	NUM
ejif-3301	53	41	)	)	PUNCT
ejif-3301	53	42	.	.	PUNCT
ejif-3301	54	1	to	to	PART
ejif-3301	54	2	compensate	compensate	VERB
ejif-3301	54	3	for	for	ADP
ejif-3301	54	4	adverse	adverse	ADJ
ejif-3301	54	5	selection	selection	NOUN
ejif-3301	54	6	risks	risk	NOUN
ejif-3301	54	7	,	,	PUNCT
ejif-3301	54	8	banks	bank	NOUN
ejif-3301	54	9	may	may	AUX
ejif-3301	54	10	refrain	refrain	VERB
ejif-3301	54	11	from	from	ADP
ejif-3301	54	12	funding	fund	VERB
ejif-3301	54	13	risky	risky	ADJ
ejif-3301	54	14	firm	firm	NOUN
ejif-3301	54	15	.	.	PUNCT
ejif-3301	55	1	however	however	ADV
ejif-3301	55	2	,	,	PUNCT
ejif-3301	55	3	in	in	ADP
ejif-3301	55	4	highly	highly	ADV
ejif-3301	55	5	competitive	competitive	ADJ
ejif-3301	55	6	markets	market	NOUN
ejif-3301	55	7	,	,	PUNCT
ejif-3301	55	8	banks	bank	NOUN
ejif-3301	55	9	grossly	grossly	ADV
ejif-3301	55	10	ignore	ignore	VERB
ejif-3301	55	11	these	these	DET
ejif-3301	55	12	two	two	NUM
ejif-3301	55	13	conditions	condition	NOUN
ejif-3301	55	14	making	make	VERB
ejif-3301	55	15	their	their	PRON
ejif-3301	55	16	cash	cash	NOUN
ejif-3301	55	17	flows	flow	VERB
ejif-3301	55	18	more	more	ADV
ejif-3301	55	19	instable	instable	ADJ
ejif-3301	55	20	and	and	CCONJ
ejif-3301	55	21	can	can	AUX
ejif-3301	55	22	potently	potently	ADV
ejif-3301	55	23	lead	lead	VERB
ejif-3301	55	24	to	to	ADP
ejif-3301	55	25	higher	high	ADJ
ejif-3301	55	26	nonperforming	nonperforme	VERB
ejif-3301	55	27	loans	loan	NOUN
ejif-3301	55	28	(	(	PUNCT
ejif-3301	55	29	npl	npl	NOUN
ejif-3301	55	30	)	)	PUNCT
ejif-3301	55	31	on	on	ADP
ejif-3301	55	32	the	the	DET
ejif-3301	55	33	contrary	contrary	NOUN
ejif-3301	55	34	,	,	PUNCT
ejif-3301	55	35	as	as	SCONJ
ejif-3301	55	36	islamic	islamic	ADJ
ejif-3301	55	37	financing	financing	NOUN
ejif-3301	55	38	contract	contract	NOUN
ejif-3301	55	39	includes	include	VERB
ejif-3301	55	40	real	real	ADJ
ejif-3301	55	41	asset	asset	NOUN
ejif-3301	55	42	,	,	PUNCT
ejif-3301	55	43	the	the	DET
ejif-3301	55	44	problem	problem	NOUN
ejif-3301	55	45	of	of	ADP
ejif-3301	55	46	asymmetric	asymmetric	ADJ
ejif-3301	55	47	information	information	NOUN
ejif-3301	55	48	(	(	PUNCT
ejif-3301	55	49	that	that	PRON
ejif-3301	55	50	includes	include	VERB
ejif-3301	55	51	borrower	borrower	NOUN
ejif-3301	55	52	real	real	ADJ
ejif-3301	55	53	intention	intention	NOUN
ejif-3301	55	54	of	of	ADP
ejif-3301	55	55	utilizing	utilize	VERB
ejif-3301	55	56	borrowed	borrow	VERB
ejif-3301	55	57	funds	fund	NOUN
ejif-3301	55	58	pre	pre	VERB
ejif-3301	55	59	and	and	CCONJ
ejif-3301	55	60	post	post	VERB
ejif-3301	55	61	transaction	transaction	NOUN
ejif-3301	55	62	)	)	PUNCT
ejif-3301	55	63	is	be	AUX
ejif-3301	55	64	resolved	resolve	VERB
ejif-3301	55	65	as	as	SCONJ
ejif-3301	55	66	funds	fund	NOUN
ejif-3301	55	67	can	can	AUX
ejif-3301	55	68	only	only	ADV
ejif-3301	55	69	be	be	AUX
ejif-3301	55	70	utilized	utilize	VERB
ejif-3301	55	71	in	in	ADP
ejif-3301	55	72	buying	buy	VERB
ejif-3301	55	73	assets	asset	NOUN
ejif-3301	55	74	mentioned	mention	VERB
ejif-3301	55	75	in	in	ADP
ejif-3301	55	76	contract	contract	NOUN
ejif-3301	55	77	.	.	PUNCT
ejif-3301	56	1	this	this	PRON
ejif-3301	56	2	makes	make	VERB
ejif-3301	56	3	their	their	PRON
ejif-3301	56	4	cash	cash	NOUN
ejif-3301	56	5	flows	flow	VERB
ejif-3301	56	6	more	more	ADV
ejif-3301	56	7	stable	stable	ADJ
ejif-3301	56	8	and	and	CCONJ
ejif-3301	56	9	less	less	ADV
ejif-3301	56	10	susceptible	susceptible	ADJ
ejif-3301	56	11	to	to	PART
ejif-3301	56	12	have	have	VERB
ejif-3301	56	13	a	a	DET
ejif-3301	56	14	non	non	ADJ
ejif-3301	56	15	-	-	ADJ
ejif-3301	56	16	performing	performing	ADJ
ejif-3301	56	17	financing	financing	NOUN
ejif-3301	56	18	.	.	PUNCT
ejif-3301	57	1	1.2	1.2	NUM
ejif-3301	57	2	problem	problem	NOUN
ejif-3301	57	3	statement	statement	NOUN
ejif-3301	57	4	the	the	DET
ejif-3301	57	5	presence	presence	NOUN
ejif-3301	57	6	and	and	CCONJ
ejif-3301	57	7	consequences	consequence	NOUN
ejif-3301	57	8	of	of	ADP
ejif-3301	57	9	asymmetric	asymmetric	ADJ
ejif-3301	57	10	information	information	NOUN
ejif-3301	57	11	in	in	ADP
ejif-3301	57	12	islamic	islamic	ADJ
ejif-3301	57	13	banks	bank	NOUN
ejif-3301	57	14	financing	financing	NOUN
ejif-3301	57	15	markets	market	NOUN
ejif-3301	57	16	are	be	AUX
ejif-3301	57	17	of	of	ADP
ejif-3301	57	18	crucial	crucial	ADJ
ejif-3301	57	19	importance	importance	NOUN
ejif-3301	57	20	for	for	ADP
ejif-3301	57	21	ejif	ejif	PROPN
ejif-3301	57	22	–	–	PUNCT
ejif-3301	57	23	european	european	PROPN
ejif-3301	57	24	journal	journal	PROPN
ejif-3301	57	25	of	of	ADP
ejif-3301	57	26	islamic	islamic	PROPN
ejif-3301	57	27	finance	finance	PROPN
ejif-3301	57	28	no	no	DET
ejif-3301	57	29	14	14	NUM
ejif-3301	57	30	,	,	PUNCT
ejif-3301	57	31	december	december	PROPN
ejif-3301	57	32	(	(	PUNCT
ejif-3301	57	33	2019	2019	NUM
ejif-3301	57	34	)	)	PUNCT
ejif-3301	58	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	58	2	issn	issn	VERB
ejif-3301	58	3	2421	2421	NUM
ejif-3301	58	4	-	-	SYM
ejif-3301	58	5	2172	2172	NUM
ejif-3301	58	6	3	3	NUM
ejif-3301	58	7	credit	credit	NOUN
ejif-3301	58	8	allocation	allocation	NOUN
ejif-3301	58	9	and	and	CCONJ
ejif-3301	58	10	financial	financial	ADJ
ejif-3301	58	11	development	development	NOUN
ejif-3301	58	12	,	,	PUNCT
ejif-3301	58	13	which	which	PRON
ejif-3301	58	14	make	make	VERB
ejif-3301	58	15	the	the	DET
ejif-3301	58	16	contracts	contract	NOUN
ejif-3301	58	17	some	some	DET
ejif-3301	58	18	time	time	NOUN
ejif-3301	58	19	,	,	PUNCT
ejif-3301	58	20	void	void	NOUN
ejif-3301	58	21	.	.	PUNCT
ejif-3301	59	1	asymmetric	asymmetric	ADJ
ejif-3301	59	2	information	information	NOUN
ejif-3301	59	3	arises	arise	VERB
ejif-3301	59	4	from	from	ADP
ejif-3301	59	5	banks	bank	NOUN
ejif-3301	59	6	’	'	PUNCT
ejif-3301	59	7	uncertainty	uncertainty	NOUN
ejif-3301	59	8	about	about	ADP
ejif-3301	59	9	borrowers	borrower	NOUN
ejif-3301	59	10	’	'	PUNCT
ejif-3301	59	11	creditworthiness	creditworthiness	NOUN
ejif-3301	59	12	.	.	PUNCT
ejif-3301	60	1	it	it	PRON
ejif-3301	60	2	can	can	AUX
ejif-3301	60	3	occur	occur	VERB
ejif-3301	60	4	before	before	ADP
ejif-3301	60	5	or	or	CCONJ
ejif-3301	60	6	after	after	ADP
ejif-3301	60	7	execution	execution	NOUN
ejif-3301	60	8	of	of	ADP
ejif-3301	60	9	financial	financial	ADJ
ejif-3301	60	10	contract	contract	NOUN
ejif-3301	60	11	.	.	PUNCT
ejif-3301	61	1	asymmetric	asymmetric	ADJ
ejif-3301	61	2	information	information	NOUN
ejif-3301	61	3	can	can	AUX
ejif-3301	61	4	generate	generate	VERB
ejif-3301	61	5	two	two	NUM
ejif-3301	61	6	types	type	NOUN
ejif-3301	61	7	of	of	ADP
ejif-3301	61	8	barriers	barrier	NOUN
ejif-3301	61	9	to	to	ADP
ejif-3301	61	10	efficient	efficient	ADJ
ejif-3301	61	11	financing	financing	NOUN
ejif-3301	61	12	in	in	ADP
ejif-3301	61	13	the	the	DET
ejif-3301	61	14	islamic	islamic	ADJ
ejif-3301	61	15	financial	financial	PROPN
ejif-3301	61	16	/banks	/banks	PROPN
ejif-3301	61	17	market	market	NOUN
ejif-3301	61	18	:	:	PUNCT
ejif-3301	61	19	1	1	X
ejif-3301	61	20	)	)	PUNCT
ejif-3301	61	21	ad	ad	NOUN
ejif-3301	61	22	-	-	PUNCT
ejif-3301	61	23	verse	verse	NOUN
ejif-3301	61	24	selection	selection	NOUN
ejif-3301	61	25	in	in	ADP
ejif-3301	61	26	the	the	DET
ejif-3301	61	27	likelihood	likelihood	NOUN
ejif-3301	61	28	of	of	ADP
ejif-3301	61	29	repayment	repayment	NOUN
ejif-3301	61	30	2	2	NUM
ejif-3301	61	31	)	)	PUNCT
ejif-3301	61	32	and	and	CCONJ
ejif-3301	61	33	moral	moral	ADJ
ejif-3301	61	34	hazard	hazard	NOUN
ejif-3301	61	35	in	in	ADP
ejif-3301	61	36	the	the	DET
ejif-3301	61	37	riskiness	riskiness	NOUN
ejif-3301	61	38	of	of	ADP
ejif-3301	61	39	firms	firm	NOUN
ejif-3301	61	40	’	’	PART
ejif-3301	61	41	business	business	NOUN
ejif-3301	61	42	decisions	decision	NOUN
ejif-3301	61	43	,	,	PUNCT
ejif-3301	61	44	first	first	ADV
ejif-3301	61	45	is	be	AUX
ejif-3301	61	46	the	the	DET
ejif-3301	61	47	after	after	ADJ
ejif-3301	61	48	effect	effect	NOUN
ejif-3301	61	49	of	of	ADP
ejif-3301	61	50	holding	hold	VERB
ejif-3301	61	51	data	datum	NOUN
ejif-3301	61	52	that	that	PRON
ejif-3301	61	53	is	be	AUX
ejif-3301	61	54	obscure	obscure	ADJ
ejif-3301	61	55	to	to	ADP
ejif-3301	61	56	somewhere	somewhere	ADV
ejif-3301	61	57	around	around	ADV
ejif-3301	61	58	one	one	NUM
ejif-3301	61	59	gathering	gathering	NOUN
ejif-3301	61	60	engaged	engage	VERB
ejif-3301	61	61	with	with	ADP
ejif-3301	61	62	the	the	DET
ejif-3301	61	63	agreement	agreement	NOUN
ejif-3301	61	64	and	and	CCONJ
ejif-3301	61	65	makes	make	VERB
ejif-3301	61	66	the	the	DET
ejif-3301	61	67	individual	individual	NOUN
ejif-3301	61	68	or	or	CCONJ
ejif-3301	61	69	association	association	NOUN
ejif-3301	61	70	who	who	PRON
ejif-3301	61	71	hold	hold	VERB
ejif-3301	61	72	the	the	DET
ejif-3301	61	73	data	datum	NOUN
ejif-3301	61	74	have	have	VERB
ejif-3301	61	75	favourable	favourable	ADJ
ejif-3301	61	76	position	position	NOUN
ejif-3301	61	77	or	or	CCONJ
ejif-3301	61	78	get	get	VERB
ejif-3301	61	79	any	any	DET
ejif-3301	61	80	type	type	NOUN
ejif-3301	61	81	of	of	ADP
ejif-3301	61	82	advantages	advantage	NOUN
ejif-3301	61	83	,	,	PUNCT
ejif-3301	61	84	which	which	PRON
ejif-3301	61	85	would	would	AUX
ejif-3301	61	86	have	have	AUX
ejif-3301	61	87	not	not	PART
ejif-3301	61	88	been	be	AUX
ejif-3301	61	89	gotten	get	VERB
ejif-3301	61	90	if	if	SCONJ
ejif-3301	61	91	the	the	DET
ejif-3301	61	92	data	datum	NOUN
ejif-3301	61	93	was	be	AUX
ejif-3301	61	94	known	know	VERB
ejif-3301	61	95	to	to	ADP
ejif-3301	61	96	all	all	DET
ejif-3301	61	97	gatherings	gathering	NOUN
ejif-3301	61	98	engaged	engage	VERB
ejif-3301	61	99	with	with	ADP
ejif-3301	61	100	the	the	DET
ejif-3301	61	101	agreement	agreement	NOUN
ejif-3301	61	102	,	,	PUNCT
ejif-3301	61	103	this	this	DET
ejif-3301	61	104	type	type	NOUN
ejif-3301	61	105	of	of	ADP
ejif-3301	61	106	asymmetric	asymmetric	ADJ
ejif-3301	61	107	information	information	NOUN
ejif-3301	61	108	leads	lead	VERB
ejif-3301	61	109	to	to	ADP
ejif-3301	61	110	adverse	adverse	ADJ
ejif-3301	61	111	selection	selection	NOUN
ejif-3301	61	112	of	of	ADP
ejif-3301	61	113	products	product	NOUN
ejif-3301	61	114	or	or	CCONJ
ejif-3301	61	115	services	service	NOUN
ejif-3301	61	116	offered	offer	VERB
ejif-3301	61	117	by	by	ADP
ejif-3301	61	118	the	the	DET
ejif-3301	61	119	firms	firm	NOUN
ejif-3301	61	120	.	.	PUNCT
ejif-3301	62	1	islamic	islamic	PROPN
ejif-3301	62	2	bank	bank	PROPN
ejif-3301	62	3	face	face	VERB
ejif-3301	62	4	this	this	DET
ejif-3301	62	5	situation	situation	NOUN
ejif-3301	62	6	when	when	SCONJ
ejif-3301	62	7	asymmetric	asymmetric	ADJ
ejif-3301	62	8	of	of	ADP
ejif-3301	62	9	information	information	NOUN
ejif-3301	62	10	remains	remain	VERB
ejif-3301	62	11	unmanaged	unmanaged	ADJ
ejif-3301	62	12	.	.	PUNCT
ejif-3301	63	1	the	the	DET
ejif-3301	63	2	second	second	ADJ
ejif-3301	63	3	sort	sort	NOUN
ejif-3301	63	4	of	of	ADP
ejif-3301	63	5	asymmetric	asymmetric	ADJ
ejif-3301	63	6	information	information	NOUN
ejif-3301	63	7	is	be	AUX
ejif-3301	63	8	the	the	DET
ejif-3301	63	9	consequence	consequence	NOUN
ejif-3301	63	10	of	of	ADP
ejif-3301	63	11	exploiting	exploit	VERB
ejif-3301	63	12	holding	hold	VERB
ejif-3301	63	13	explicit	explicit	ADJ
ejif-3301	63	14	data	datum	NOUN
ejif-3301	63	15	after	after	SCONJ
ejif-3301	63	16	the	the	DET
ejif-3301	63	17	agreement	agreement	NOUN
ejif-3301	63	18	has	have	AUX
ejif-3301	63	19	been	be	AUX
ejif-3301	63	20	concurred	concur	VERB
ejif-3301	63	21	or	or	CCONJ
ejif-3301	63	22	worked	work	VERB
ejif-3301	63	23	out	out	ADP
ejif-3301	63	24	.	.	PUNCT
ejif-3301	64	1	both	both	DET
ejif-3301	64	2	type	type	NOUN
ejif-3301	64	3	of	of	ADP
ejif-3301	64	4	issues	issue	NOUN
ejif-3301	64	5	create	create	VERB
ejif-3301	64	6	the	the	DET
ejif-3301	64	7	inefficient	inefficient	ADJ
ejif-3301	64	8	allocation	allocation	NOUN
ejif-3301	64	9	of	of	ADP
ejif-3301	64	10	financing	financing	NOUN
ejif-3301	64	11	and	and	CCONJ
ejif-3301	64	12	become	become	VERB
ejif-3301	64	13	the	the	DET
ejif-3301	64	14	challenge	challenge	NOUN
ejif-3301	64	15	for	for	ADP
ejif-3301	64	16	the	the	DET
ejif-3301	64	17	validity	validity	NOUN
ejif-3301	64	18	of	of	ADP
ejif-3301	64	19	contract	contract	NOUN
ejif-3301	64	20	.	.	PUNCT
ejif-3301	65	1	the	the	DET
ejif-3301	65	2	aim	aim	NOUN
ejif-3301	65	3	of	of	ADP
ejif-3301	65	4	this	this	DET
ejif-3301	65	5	study	study	NOUN
ejif-3301	65	6	is	be	AUX
ejif-3301	65	7	to	to	PART
ejif-3301	65	8	examine	examine	VERB
ejif-3301	65	9	at	at	ADP
ejif-3301	65	10	what	what	PRON
ejif-3301	65	11	extant	extant	ADJ
ejif-3301	65	12	gharar	gharar	NOUN
ejif-3301	65	13	will	will	AUX
ejif-3301	65	14	create	create	VERB
ejif-3301	65	15	uncertainty	uncertainty	NOUN
ejif-3301	65	16	in	in	ADP
ejif-3301	65	17	the	the	DET
ejif-3301	65	18	istisna	istisna	NOUN
ejif-3301	65	19	and	and	CCONJ
ejif-3301	65	20	mudarba	mudarba	NOUN
ejif-3301	65	21	contract	contract	NOUN
ejif-3301	65	22	.	.	PUNCT
ejif-3301	66	1	islamic	islamic	ADJ
ejif-3301	66	2	banking	banking	NOUN
ejif-3301	66	3	assets	asset	NOUN
ejif-3301	66	4	are	be	AUX
ejif-3301	66	5	12.9	12.9	NUM
ejif-3301	66	6	%	%	NOUN
ejif-3301	66	7	of	of	ADP
ejif-3301	66	8	the	the	DET
ejif-3301	66	9	whole	whole	ADJ
ejif-3301	66	10	pakistanibanking	pakistanibanking	NOUN
ejif-3301	66	11	sector	sector	NOUN
ejif-3301	66	12	.	.	PUNCT
ejif-3301	67	1	however	however	ADV
ejif-3301	67	2	,	,	PUNCT
ejif-3301	67	3	by	by	ADP
ejif-3301	67	4	reviewing	review	VERB
ejif-3301	67	5	the	the	DET
ejif-3301	67	6	historical	historical	ADJ
ejif-3301	67	7	data	datum	NOUN
ejif-3301	67	8	it	it	PRON
ejif-3301	67	9	is	be	AUX
ejif-3301	67	10	been	be	AUX
ejif-3301	67	11	revealed	reveal	VERB
ejif-3301	67	12	that	that	SCONJ
ejif-3301	67	13	the	the	DET
ejif-3301	67	14	non	non	ADJ
ejif-3301	67	15	-	-	ADJ
ejif-3301	67	16	performing	performing	ADJ
ejif-3301	67	17	financing	financing	NOUN
ejif-3301	67	18	of	of	ADP
ejif-3301	67	19	islamic	islamic	ADJ
ejif-3301	67	20	banks	bank	NOUN
ejif-3301	67	21	in	in	ADP
ejif-3301	67	22	pakistan	pakistan	PROPN
ejif-3301	67	23	is	be	AUX
ejif-3301	67	24	quite	quite	ADV
ejif-3301	67	25	low	low	ADJ
ejif-3301	67	26	(	(	PUNCT
ejif-3301	67	27	2.7	2.7	NUM
ejif-3301	67	28	%	%	NOUN
ejif-3301	67	29	)	)	PUNCT
ejif-3301	67	30	as	as	SCONJ
ejif-3301	67	31	compared	compare	VERB
ejif-3301	67	32	to	to	ADP
ejif-3301	67	33	overall	overall	ADJ
ejif-3301	67	34	banking	banking	NOUN
ejif-3301	67	35	sector	sector	NOUN
ejif-3301	67	36	non	non	ADJ
ejif-3301	67	37	-	-	ADJ
ejif-3301	67	38	performing	performing	ADJ
ejif-3301	67	39	loans	loan	NOUN
ejif-3301	67	40	(	(	PUNCT
ejif-3301	67	41	7.9	7.9	NUM
ejif-3301	67	42	%	%	NOUN
ejif-3301	67	43	)	)	PUNCT
ejif-3301	67	44	.	.	PUNCT
ejif-3301	68	1	state	state	PROPN
ejif-3301	68	2	bank	bank	PROPN
ejif-3301	68	3	of	of	ADP
ejif-3301	68	4	pakistan	pakistan	PROPN
ejif-3301	68	5	(	(	PUNCT
ejif-3301	68	6	2018	2018	NUM
ejif-3301	68	7	)	)	PUNCT
ejif-3301	68	8	following	follow	VERB
ejif-3301	68	9	table	table	NOUN
ejif-3301	68	10	depicts	depict	VERB
ejif-3301	68	11	the	the	DET
ejif-3301	68	12	comparative	comparative	ADJ
ejif-3301	68	13	level	level	NOUN
ejif-3301	68	14	of	of	ADP
ejif-3301	68	15	nonperforming	nonperforme	VERB
ejif-3301	68	16	financing	financing	NOUN
ejif-3301	68	17	of	of	ADP
ejif-3301	68	18	islamic	islamic	ADJ
ejif-3301	68	19	banking	banking	NOUN
ejif-3301	68	20	and	and	CCONJ
ejif-3301	68	21	conventional	conventional	ADJ
ejif-3301	68	22	banking	banking	NOUN
ejif-3301	68	23	of	of	ADP
ejif-3301	68	24	last	last	ADJ
ejif-3301	68	25	nine	nine	NUM
ejif-3301	68	26	quarters	quarter	NOUN
ejif-3301	68	27	spanning	span	VERB
ejif-3301	68	28	from	from	ADP
ejif-3301	68	29	june	june	PROPN
ejif-3301	68	30	2016	2016	NUM
ejif-3301	68	31	to	to	ADP
ejif-3301	68	32	june	june	PROPN
ejif-3301	68	33	2018	2018	NUM
ejif-3301	68	34	.	.	PUNCT
ejif-3301	69	1	moreover	moreover	ADV
ejif-3301	69	2	,	,	PUNCT
ejif-3301	69	3	islamic	islamic	ADJ
ejif-3301	69	4	banking	banking	NOUN
ejif-3301	69	5	institutions	institution	NOUN
ejif-3301	69	6	and	and	CCONJ
ejif-3301	69	7	conventional	conventional	ADJ
ejif-3301	69	8	banking	banking	NOUN
ejif-3301	69	9	institutions	institution	NOUN
ejif-3301	69	10	are	be	AUX
ejif-3301	69	11	working	work	VERB
ejif-3301	69	12	in	in	ADP
ejif-3301	69	13	the	the	DET
ejif-3301	69	14	same	same	ADJ
ejif-3301	69	15	domestic	domestic	ADJ
ejif-3301	69	16	and	and	CCONJ
ejif-3301	69	17	worldwide	worldwide	ADJ
ejif-3301	69	18	macro	macro	ADJ
ejif-3301	69	19	-	-	ADJ
ejif-3301	69	20	economic	economic	ADJ
ejif-3301	69	21	environment	environment	NOUN
ejif-3301	69	22	but	but	CCONJ
ejif-3301	69	23	the	the	DET
ejif-3301	69	24	nonperforming	nonperforme	VERB
ejif-3301	69	25	financing	finance	VERB
ejif-3301	69	26	portfolio	portfolio	NOUN
ejif-3301	69	27	of	of	ADP
ejif-3301	69	28	the	the	DET
ejif-3301	69	29	two	two	NUM
ejif-3301	69	30	set	set	NOUN
ejif-3301	69	31	of	of	ADP
ejif-3301	69	32	banks	bank	NOUN
ejif-3301	69	33	are	be	AUX
ejif-3301	69	34	different	different	ADJ
ejif-3301	69	35	,	,	PUNCT
ejif-3301	69	36	therefore	therefore	ADV
ejif-3301	69	37	a	a	DET
ejif-3301	69	38	need	need	NOUN
ejif-3301	69	39	of	of	ADP
ejif-3301	69	40	study	study	NOUN
ejif-3301	69	41	is	be	AUX
ejif-3301	69	42	arise	arise	ADJ
ejif-3301	69	43	to	to	PART
ejif-3301	69	44	ascertain	ascertain	VERB
ejif-3301	69	45	the	the	DET
ejif-3301	69	46	factor	factor	NOUN
ejif-3301	69	47	,	,	PUNCT
ejif-3301	69	48	which	which	PRON
ejif-3301	69	49	are	be	AUX
ejif-3301	69	50	acting	act	VERB
ejif-3301	69	51	differently	differently	ADV
ejif-3301	69	52	for	for	ADP
ejif-3301	69	53	different	different	ADJ
ejif-3301	69	54	set	set	NOUN
ejif-3301	69	55	of	of	ADP
ejif-3301	69	56	banks	bank	NOUN
ejif-3301	69	57	i.e.	i.e.	X
ejif-3301	69	58	islamic	islamic	ADJ
ejif-3301	69	59	and	and	CCONJ
ejif-3301	69	60	conventional	conventional	ADJ
ejif-3301	69	61	banks	bank	NOUN
ejif-3301	69	62	.	.	PUNCT
ejif-3301	70	1	we	we	PRON
ejif-3301	70	2	need	need	VERB
ejif-3301	70	3	to	to	PART
ejif-3301	70	4	ascertain	ascertain	VERB
ejif-3301	70	5	what	what	PRON
ejif-3301	70	6	factors	factor	NOUN
ejif-3301	70	7	are	be	AUX
ejif-3301	70	8	causing	cause	VERB
ejif-3301	70	9	nonperforming	nonperforme	VERB
ejif-3301	70	10	portfolios	portfolio	NOUN
ejif-3301	70	11	in	in	ADP
ejif-3301	70	12	islamic	islamic	ADJ
ejif-3301	70	13	and	and	CCONJ
ejif-3301	70	14	conventional	conventional	ADJ
ejif-3301	70	15	banks	bank	NOUN
ejif-3301	70	16	.	.	PUNCT
ejif-3301	71	1	moreover	moreover	ADV
ejif-3301	71	2	,	,	PUNCT
ejif-3301	71	3	what	what	PRON
ejif-3301	71	4	are	be	AUX
ejif-3301	71	5	the	the	DET
ejif-3301	71	6	reasons	reason	NOUN
ejif-3301	71	7	of	of	ADP
ejif-3301	71	8	their	their	PRON
ejif-3301	71	9	disparity	disparity	NOUN
ejif-3301	71	10	?	?	PUNCT
ejif-3301	72	1	furthermore	furthermore	ADV
ejif-3301	72	2	does	do	AUX
ejif-3301	72	3	this	this	DET
ejif-3301	72	4	disparity	disparity	NOUN
ejif-3301	72	5	depict	depict	NOUN
ejif-3301	72	6	in	in	ADP
ejif-3301	72	7	performance	performance	NOUN
ejif-3301	72	8	of	of	ADP
ejif-3301	72	9	firms	firm	NOUN
ejif-3301	72	10	taking	take	VERB
ejif-3301	72	11	financing	financing	NOUN
ejif-3301	72	12	.	.	PUNCT
ejif-3301	73	1	table	table	NOUN
ejif-3301	73	2	2	2	NUM
ejif-3301	73	3	:	:	PUNCT
ejif-3301	73	4	islamic	islamic	ADJ
ejif-3301	73	5	banking	banking	NOUN
ejif-3301	73	6	npf	npf	PROPN
ejif-3301	73	7	v	v	PROPN
ejif-3301	73	8	/	/	SYM
ejif-3301	73	9	s	s	PART
ejif-3301	73	10	overall	overall	ADJ
ejif-3301	73	11	banking	banking	NOUN
ejif-3301	73	12	industry	industry	NOUN
ejif-3301	73	13	non	non	ADJ
ejif-3301	73	14	performing	perform	VERB
ejif-3301	73	15	financings	financing	NOUN
ejif-3301	73	16	to	to	ADP
ejif-3301	73	17	financings	financing	NOUN
ejif-3301	73	18	(	(	PUNCT
ejif-3301	73	19	gross	gross	ADJ
ejif-3301	73	20	)	)	PUNCT
ejif-3301	73	21	islamic	islamic	ADJ
ejif-3301	73	22	banking	banking	NOUN
ejif-3301	73	23	overall	overall	ADJ
ejif-3301	73	24	banking	banking	NOUN
ejif-3301	73	25	industry	industry	NOUN
ejif-3301	73	26	18	18	NUM
ejif-3301	73	27	-	-	PUNCT
ejif-3301	73	28	jun	jun	PROPN
ejif-3301	73	29	2.7	2.7	NUM
ejif-3301	73	30	7.9	7.9	NUM
ejif-3301	73	31	18	18	NUM
ejif-3301	73	32	-	-	PUNCT
ejif-3301	73	33	mar	mar	PROPN
ejif-3301	73	34	2.8	2.8	NUM
ejif-3301	73	35	8.3	8.3	NUM
ejif-3301	73	36	17	17	NUM
ejif-3301	73	37	-	-	PUNCT
ejif-3301	73	38	dec	dec	PROPN
ejif-3301	73	39	3	3	NUM
ejif-3301	73	40	8.4	8.4	NUM
ejif-3301	73	41	17	17	NUM
ejif-3301	73	42	-	-	PUNCT
ejif-3301	73	43	sep	sep	PROPN
ejif-3301	73	44	3.5	3.5	NUM
ejif-3301	73	45	9.2	9.2	NUM
ejif-3301	73	46	17	17	NUM
ejif-3301	73	47	-	-	PUNCT
ejif-3301	73	48	jun	jun	PROPN
ejif-3301	73	49	3.7	3.7	NUM
ejif-3301	73	50	9.3	9.3	NUM
ejif-3301	73	51	17	17	NUM
ejif-3301	73	52	-	-	PUNCT
ejif-3301	73	53	mar	mar	PROPN
ejif-3301	73	54	3.9	3.9	NUM
ejif-3301	73	55	9.9	9.9	NUM
ejif-3301	73	56	16	16	NUM
ejif-3301	73	57	-	-	PUNCT
ejif-3301	73	58	dec	dec	PROPN
ejif-3301	73	59	4.1	4.1	NUM
ejif-3301	73	60	10.1	10.1	NUM
ejif-3301	73	61	16	16	NUM
ejif-3301	73	62	-	-	PUNCT
ejif-3301	73	63	sep	sep	PROPN
ejif-3301	73	64	4.8	4.8	NUM
ejif-3301	73	65	11.3	11.3	NUM
ejif-3301	73	66	16	16	NUM
ejif-3301	73	67	-	-	PUNCT
ejif-3301	73	68	jun	jun	PROPN
ejif-3301	73	69	4.5	4.5	NUM
ejif-3301	73	70	11.1	11.1	NUM
ejif-3301	73	71	source	source	NOUN
ejif-3301	73	72	:	:	PUNCT
ejif-3301	73	73	islamic	islamic	ADJ
ejif-3301	73	74	banking	banking	NOUN
ejif-3301	73	75	bulletin	bulletin	NOUN
ejif-3301	73	76	of	of	ADP
ejif-3301	73	77	state	state	PROPN
ejif-3301	73	78	bank	bank	PROPN
ejif-3301	73	79	of	of	ADP
ejif-3301	73	80	pakistan	pakistan	PROPN
ejif-3301	73	81	,	,	PUNCT
ejif-3301	73	82	various	various	ADJ
ejif-3301	73	83	quarterly	quarterly	ADJ
ejif-3301	73	84	issues	issue	NOUN
ejif-3301	73	85	1.3	1.3	NUM
ejif-3301	73	86	gap	gap	NOUN
ejif-3301	73	87	analysis	analysis	NOUN
ejif-3301	73	88	handel	handel	NOUN
ejif-3301	73	89	(	(	PUNCT
ejif-3301	73	90	2011	2011	NUM
ejif-3301	73	91	)	)	PUNCT
ejif-3301	73	92	,	,	PUNCT
ejif-3301	73	93	(	(	PUNCT
ejif-3301	73	94	handel	handel	NOUN
ejif-3301	73	95	,	,	PUNCT
ejif-3301	73	96	2011	2011	NUM
ejif-3301	73	97	)	)	PUNCT
ejif-3301	73	98	lustig	lustig	NOUN
ejif-3301	73	99	(	(	PUNCT
ejif-3301	73	100	2011	2011	NUM
ejif-3301	73	101	)	)	PUNCT
ejif-3301	73	102	,	,	PUNCT
ejif-3301	73	103	(	(	PUNCT
ejif-3301	73	104	j	j	NOUN
ejif-3301	73	105	,	,	PUNCT
ejif-3301	73	106	2011	2011	NUM
ejif-3301	73	107	)	)	PUNCT
ejif-3301	73	108	and	and	CCONJ
ejif-3301	73	109	starc	starc	NOUN
ejif-3301	73	110	(	(	PUNCT
ejif-3301	73	111	2012	2012	NUM
ejif-3301	73	112	)	)	PUNCT
ejif-3301	73	113	(	(	PUNCT
ejif-3301	73	114	stare	stare	NOUN
ejif-3301	73	115	,	,	PUNCT
ejif-3301	73	116	2012	2012	NUM
ejif-3301	73	117	)	)	PUNCT
ejif-3301	73	118	found	find	VERB
ejif-3301	73	119	the	the	DET
ejif-3301	73	120	effects	effect	NOUN
ejif-3301	73	121	of	of	ADP
ejif-3301	73	122	adverse	adverse	ADJ
ejif-3301	73	123	selection	selection	NOUN
ejif-3301	73	124	and	and	CCONJ
ejif-3301	73	125	imperfect	imperfect	ADJ
ejif-3301	73	126	competition	competition	NOUN
ejif-3301	73	127	in	in	ADP
ejif-3301	73	128	us	us	PROPN
ejif-3301	73	129	health	health	NOUN
ejif-3301	73	130	insurance	insurance	NOUN
ejif-3301	73	131	markets	market	NOUN
ejif-3301	73	132	.	.	PUNCT
ejif-3301	74	1	however	however	ADV
ejif-3301	74	2	,	,	PUNCT
ejif-3301	74	3	they	they	PRON
ejif-3301	74	4	mainly	mainly	ADV
ejif-3301	74	5	focused	focus	VERB
ejif-3301	74	6	on	on	ADP
ejif-3301	74	7	insurance	insurance	NOUN
ejif-3301	74	8	markets	market	NOUN
ejif-3301	74	9	and	and	CCONJ
ejif-3301	74	10	no	no	DET
ejif-3301	74	11	similar	similar	ADJ
ejif-3301	74	12	work	work	NOUN
ejif-3301	74	13	was	be	AUX
ejif-3301	74	14	done	do	VERB
ejif-3301	74	15	to	to	PART
ejif-3301	74	16	measure	measure	VERB
ejif-3301	74	17	the	the	DET
ejif-3301	74	18	consequences	consequence	NOUN
ejif-3301	74	19	of	of	ADP
ejif-3301	74	20	asymmetric	asymmetric	ADJ
ejif-3301	74	21	information	information	NOUN
ejif-3301	74	22	in	in	ADP
ejif-3301	74	23	lending	lending	NOUN
ejif-3301	74	24	.	.	PUNCT
ejif-3301	75	1	few	few	ADJ
ejif-3301	75	2	papers	paper	NOUN
ejif-3301	75	3	provide	provide	VERB
ejif-3301	75	4	crude	crude	ADJ
ejif-3301	75	5	evidence	evidence	NOUN
ejif-3301	75	6	of	of	ADP
ejif-3301	75	7	the	the	DET
ejif-3301	75	8	problem	problem	NOUN
ejif-3301	75	9	of	of	ADP
ejif-3301	75	10	information	information	NOUN
ejif-3301	75	11	asymmetry	asymmetry	NOUN
ejif-3301	75	12	.	.	PUNCT
ejif-3301	76	1	for	for	ADP
ejif-3301	76	2	example	example	NOUN
ejif-3301	76	3	,	,	PUNCT
ejif-3301	76	4	bofondi	bofondi	PROPN
ejif-3301	76	5	and	and	CCONJ
ejif-3301	76	6	gobbi	gobbi	PROPN
ejif-3301	76	7	(	(	PUNCT
ejif-3301	76	8	2006	2006	NUM
ejif-3301	76	9	)	)	PUNCT
ejif-3301	76	10	show	show	VERB
ejif-3301	76	11	that	that	SCONJ
ejif-3301	76	12	new	new	ADJ
ejif-3301	76	13	banks	bank	NOUN
ejif-3301	76	14	entering	enter	VERB
ejif-3301	76	15	local	local	ADJ
ejif-3301	76	16	markets	market	NOUN
ejif-3301	76	17	perform	perform	VERB
ejif-3301	76	18	poorly	poorly	ADV
ejif-3301	76	19	relative	relative	ADJ
ejif-3301	76	20	to	to	ADP
ejif-3301	76	21	incumbents	incumbent	NOUN
ejif-3301	76	22	,	,	PUNCT
ejif-3301	76	23	as	as	SCONJ
ejif-3301	76	24	entrants	entrant	NOUN
ejif-3301	76	25	experience	experience	VERB
ejif-3301	76	26	higher	high	ADJ
ejif-3301	76	27	default	default	NOUN
ejif-3301	76	28	rates	rate	NOUN
ejif-3301	76	29	and	and	CCONJ
ejif-3301	76	30	concentration	concentration	NOUN
ejif-3301	76	31	and	and	CCONJ
ejif-3301	76	32	default	default	NOUN
ejif-3301	76	33	rates	rate	NOUN
ejif-3301	76	34	are	be	AUX
ejif-3301	76	35	positively	positively	ADV
ejif-3301	76	36	correlated	correlate	VERB
ejif-3301	76	37	.	.	PUNCT
ejif-3301	77	1	gobbi	gobbi	PROPN
ejif-3301	77	2	and	and	CCONJ
ejif-3301	77	3	lotti	lotti	PROPN
ejif-3301	77	4	(	(	PUNCT
ejif-3301	77	5	2004	2004	NUM
ejif-3301	77	6	)	)	PUNCT
ejif-3301	77	7	claim	claim	VERB
ejif-3301	77	8	that	that	SCONJ
ejif-3301	77	9	there	there	PRON
ejif-3301	77	10	is	be	VERB
ejif-3301	77	11	a	a	DET
ejif-3301	77	12	positive	positive	ADJ
ejif-3301	77	13	correlation	correlation	NOUN
ejif-3301	77	14	between	between	ADP
ejif-3301	77	15	branching	branch	VERB
ejif-3301	77	16	and	and	CCONJ
ejif-3301	77	17	markets	market	NOUN
ejif-3301	77	18	with	with	ADP
ejif-3301	77	19	low	low	ADJ
ejif-3301	77	20	proprietary	proprietary	ADJ
ejif-3301	77	21	information	information	NOUN
ejif-3301	77	22	services	service	NOUN
ejif-3301	77	23	.	.	PUNCT
ejif-3301	78	1	few	few	ADJ
ejif-3301	78	2	papers	paper	NOUN
ejif-3301	78	3	explored	explore	VERB
ejif-3301	78	4	impact	impact	NOUN
ejif-3301	78	5	of	of	ADP
ejif-3301	78	6	asymmetric	asymmetric	ADJ
ejif-3301	78	7	information	information	NOUN
ejif-3301	78	8	in	in	ADP
ejif-3301	78	9	islamic	islamic	ADJ
ejif-3301	78	10	banking	banking	NOUN
ejif-3301	78	11	.	.	PUNCT
ejif-3301	79	1	yousfi	yousfi	INTJ
ejif-3301	79	2	(	(	PUNCT
ejif-3301	79	3	2013	2013	NUM
ejif-3301	79	4	)	)	PUNCT
ejif-3301	79	5	showed	show	VERB
ejif-3301	79	6	that	that	SCONJ
ejif-3301	79	7	mudarabah	mudarabah	NOUN
ejif-3301	79	8	enables	enable	VERB
ejif-3301	79	9	to	to	PART
ejif-3301	79	10	mitigate	mitigate	VERB
ejif-3301	79	11	the	the	DET
ejif-3301	79	12	moral	moral	ADJ
ejif-3301	79	13	hazard	hazard	NOUN
ejif-3301	79	14	problem	problem	NOUN
ejif-3301	79	15	and	and	CCONJ
ejif-3301	79	16	lead	lead	VERB
ejif-3301	79	17	the	the	DET
ejif-3301	79	18	entrepreneur	entrepreneur	NOUN
ejif-3301	79	19	to	to	PART
ejif-3301	79	20	provide	provide	VERB
ejif-3301	79	21	the	the	DET
ejif-3301	79	22	first	first	ADJ
ejif-3301	79	23	best	good	ADJ
ejif-3301	79	24	levels	level	NOUN
ejif-3301	79	25	of	of	ADP
ejif-3301	79	26	effort	effort	NOUN
ejif-3301	79	27	.	.	PUNCT
ejif-3301	80	1	on	on	ADP
ejif-3301	80	2	the	the	DET
ejif-3301	80	3	contrary	contrary	NOUN
ejif-3301	80	4	,	,	PUNCT
ejif-3301	80	5	musharakah	musharakah	PROPN
ejif-3301	80	6	does	do	AUX
ejif-3301	80	7	not	not	PART
ejif-3301	80	8	solve	solve	VERB
ejif-3301	80	9	the	the	DET
ejif-3301	80	10	moral	moral	ADJ
ejif-3301	80	11	hazard	hazard	NOUN
ejif-3301	80	12	problem	problem	NOUN
ejif-3301	80	13	.	.	PUNCT
ejif-3301	81	1	one	one	NUM
ejif-3301	81	2	explanation	explanation	NOUN
ejif-3301	81	3	could	could	AUX
ejif-3301	81	4	be	be	AUX
ejif-3301	81	5	the	the	DET
ejif-3301	81	6	fact	fact	NOUN
ejif-3301	81	7	that	that	SCONJ
ejif-3301	81	8	the	the	DET
ejif-3301	81	9	two	two	NUM
ejif-3301	81	10	parties	party	NOUN
ejif-3301	81	11	jointly	jointly	ADV
ejif-3301	81	12	fund	fund	VERB
ejif-3301	81	13	the	the	DET
ejif-3301	81	14	project	project	NOUN
ejif-3301	81	15	and	and	CCONJ
ejif-3301	81	16	that	that	SCONJ
ejif-3301	81	17	both	both	PRON
ejif-3301	81	18	of	of	ADP
ejif-3301	81	19	them	they	PRON
ejif-3301	81	20	provide	provide	VERB
ejif-3301	81	21	non	non	ADJ
ejif-3301	81	22	-	-	ADJ
ejif-3301	81	23	contractible	contractible	ADJ
ejif-3301	81	24	efforts	effort	NOUN
ejif-3301	81	25	,	,	PUNCT
ejif-3301	81	26	which	which	PRON
ejif-3301	81	27	diminish	diminish	VERB
ejif-3301	81	28	their	their	PRON
ejif-3301	81	29	incentives	incentive	NOUN
ejif-3301	81	30	.	.	PUNCT
ejif-3301	82	1	david	david	PROPN
ejif-3301	82	2	kömling	kömling	PROPN
ejif-3301	82	3	(	(	PUNCT
ejif-3301	82	4	2014	2014	NUM
ejif-3301	82	5	)	)	PUNCT
ejif-3301	82	6	also	also	ADV
ejif-3301	82	7	studied	study	VERB
ejif-3301	82	8	the	the	DET
ejif-3301	82	9	link	link	NOUN
ejif-3301	82	10	between	between	ADP
ejif-3301	82	11	the	the	DET
ejif-3301	82	12	profit	profit	NOUN
ejif-3301	82	13	and	and	CCONJ
ejif-3301	82	14	loss	loss	NOUN
ejif-3301	82	15	sharing	sharing	NOUN
ejif-3301	82	16	base	base	NOUN
ejif-3301	82	17	islamic	islamic	ADJ
ejif-3301	82	18	financial	financial	ADJ
ejif-3301	82	19	contracts	contract	NOUN
ejif-3301	82	20	with	with	ADP
ejif-3301	82	21	respect	respect	NOUN
ejif-3301	82	22	to	to	ADP
ejif-3301	82	23	information	information	NOUN
ejif-3301	82	24	asymmetry	asymmetry	NOUN
ejif-3301	82	25	and	and	CCONJ
ejif-3301	82	26	shows	show	VERB
ejif-3301	82	27	that	that	SCONJ
ejif-3301	82	28	musharkah	musharkah	PROPN
ejif-3301	82	29	and	and	CCONJ
ejif-3301	82	30	mudarba	mudarba	NOUN
ejif-3301	82	31	base	base	PROPN
ejif-3301	82	32	financial	financial	ADJ
ejif-3301	82	33	contract	contract	NOUN
ejif-3301	82	34	are	be	AUX
ejif-3301	82	35	mostly	mostly	ADV
ejif-3301	82	36	facing	face	VERB
ejif-3301	82	37	the	the	DET
ejif-3301	82	38	moral	moral	ADJ
ejif-3301	82	39	hazard	hazard	NOUN
ejif-3301	82	40	and	and	CCONJ
ejif-3301	82	41	adverse	adverse	ADJ
ejif-3301	82	42	selection	selection	NOUN
ejif-3301	82	43	problem	problem	NOUN
ejif-3301	82	44	,	,	PUNCT
ejif-3301	82	45	but	but	CCONJ
ejif-3301	82	46	there	there	PRON
ejif-3301	82	47	is	be	VERB
ejif-3301	82	48	limited	limited	ADJ
ejif-3301	82	49	research	research	NOUN
ejif-3301	82	50	on	on	ADP
ejif-3301	82	51	debt	debt	NOUN
ejif-3301	82	52	base	base	NOUN
ejif-3301	82	53	islamic	islamic	ADJ
ejif-3301	82	54	financial	financial	ADJ
ejif-3301	82	55	contracts	contract	NOUN
ejif-3301	82	56	like	like	ADP
ejif-3301	82	57	murabaha	murabaha	NOUN
ejif-3301	82	58	and	and	CCONJ
ejif-3301	82	59	istisna	istisna	NOUN
ejif-3301	82	60	.	.	PUNCT
ejif-3301	83	1	shatha	shatha	PROPN
ejif-3301	83	2	(	(	PUNCT
ejif-3301	83	3	2014	2014	NUM
ejif-3301	83	4	)	)	PUNCT
ejif-3301	83	5	also	also	ADV
ejif-3301	83	6	concluded	conclude	VERB
ejif-3301	83	7	that	that	SCONJ
ejif-3301	83	8	the	the	DET
ejif-3301	83	9	profit	profit	NOUN
ejif-3301	83	10	and	and	CCONJ
ejif-3301	83	11	loss	loss	NOUN
ejif-3301	83	12	-	-	PUNCT
ejif-3301	83	13	sharing	share	VERB
ejif-3301	83	14	contracts	contract	NOUN
ejif-3301	83	15	are	be	AUX
ejif-3301	83	16	supposed	suppose	VERB
ejif-3301	83	17	to	to	PART
ejif-3301	83	18	be	be	AUX
ejif-3301	83	19	vulnerable	vulnerable	ADJ
ejif-3301	83	20	to	to	ADP
ejif-3301	83	21	any	any	DET
ejif-3301	83	22	kind	kind	NOUN
ejif-3301	83	23	of	of	ADP
ejif-3301	83	24	asymmetric	asymmetric	ADJ
ejif-3301	83	25	information	information	NOUN
ejif-3301	83	26	problems	problem	NOUN
ejif-3301	83	27	,	,	PUNCT
ejif-3301	83	28	as	as	SCONJ
ejif-3301	83	29	the	the	DET
ejif-3301	83	30	financier	financier	NOUN
ejif-3301	83	31	faces	face	VERB
ejif-3301	83	32	stronger	strong	ADJ
ejif-3301	83	33	incentives	incentive	NOUN
ejif-3301	83	34	to	to	PART
ejif-3301	83	35	closely	closely	ADV
ejif-3301	83	36	monitor	monitor	VERB
ejif-3301	83	37	his	his	PRON
ejif-3301	83	38	clients	client	NOUN
ejif-3301	83	39	than	than	SCONJ
ejif-3301	83	40	he	he	PRON
ejif-3301	83	41	would	would	AUX
ejif-3301	83	42	face	face	VERB
ejif-3301	83	43	in	in	ADP
ejif-3301	83	44	a	a	DET
ejif-3301	83	45	debt	debt	NOUN
ejif-3301	83	46	like	like	ADP
ejif-3301	83	47	contract	contract	NOUN
ejif-3301	83	48	.	.	PUNCT
ejif-3301	84	1	despite	despite	SCONJ
ejif-3301	84	2	the	the	DET
ejif-3301	84	3	fact	fact	NOUN
ejif-3301	84	4	that	that	SCONJ
ejif-3301	84	5	there	there	PRON
ejif-3301	84	6	is	be	VERB
ejif-3301	84	7	a	a	DET
ejif-3301	84	8	dearth	dearth	NOUN
ejif-3301	84	9	of	of	ADP
ejif-3301	84	10	islamic	islamic	ADJ
ejif-3301	84	11	financial	financial	ADJ
ejif-3301	84	12	literature	literature	PROPN
ejif-3301	84	13	focusing	focus	VERB
ejif-3301	84	14	on	on	ADP
ejif-3301	84	15	comparative	comparative	ADJ
ejif-3301	84	16	performance	performance	NOUN
ejif-3301	84	17	of	of	ADP
ejif-3301	84	18	islamic	islamic	ADJ
ejif-3301	84	19	and	and	CCONJ
ejif-3301	84	20	conventional	conventional	ADJ
ejif-3301	84	21	banks	bank	NOUN
ejif-3301	84	22	(	(	PUNCT
ejif-3301	84	23	see	see	VERB
ejif-3301	84	24	among	among	ADP
ejif-3301	84	25	others	other	NOUN
ejif-3301	84	26	aggrawal	aggrawal	NOUN
ejif-3301	84	27	and	and	CCONJ
ejif-3301	84	28	ejif	ejif	PROPN
ejif-3301	84	29	–	–	PUNCT
ejif-3301	84	30	european	european	PROPN
ejif-3301	84	31	journal	journal	PROPN
ejif-3301	84	32	of	of	ADP
ejif-3301	84	33	islamic	islamic	PROPN
ejif-3301	84	34	finance	finance	PROPN
ejif-3301	84	35	no	no	DET
ejif-3301	84	36	14	14	NUM
ejif-3301	84	37	,	,	PUNCT
ejif-3301	84	38	december	december	PROPN
ejif-3301	84	39	(	(	PUNCT
ejif-3301	84	40	2019	2019	NUM
ejif-3301	84	41	)	)	PUNCT
ejif-3301	85	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	85	2	issn	issn	VERB
ejif-3301	85	3	2421	2421	NUM
ejif-3301	85	4	-	-	SYM
ejif-3301	85	5	2172	2172	NUM
ejif-3301	85	6	4	4	NUM
ejif-3301	85	7	yousef	yousef	PROPN
ejif-3301	85	8	,	,	PUNCT
ejif-3301	85	9	2000	2000	NUM
ejif-3301	85	10	,	,	PUNCT
ejif-3301	85	11	abdul	abdul	PROPN
ejif-3301	85	12	-	-	PUNCT
ejif-3301	85	13	majid	majid	PROPN
ejif-3301	85	14	et	et	PROPN
ejif-3301	85	15	al	al	PROPN
ejif-3301	85	16	.	.	PROPN
ejif-3301	85	17	,	,	PUNCT
ejif-3301	85	18	2010b	2010b	NUM
ejif-3301	85	19	,	,	PUNCT
ejif-3301	85	20	beck	beck	PROPN
ejif-3301	85	21	et	et	PROPN
ejif-3301	85	22	al	al	PROPN
ejif-3301	85	23	.	.	PROPN
ejif-3301	85	24	,	,	PUNCT
ejif-3301	85	25	2010	2010	NUM
ejif-3301	85	26	;	;	PUNCT
ejif-3301	85	27	and	and	CCONJ
ejif-3301	85	28	kablan	kablan	VERB
ejif-3301	85	29	and	and	CCONJ
ejif-3301	85	30	yousfi	yousfi	ADJ
ejif-3301	85	31	,	,	PUNCT
ejif-3301	85	32	2012	2012	NUM
ejif-3301	85	33	)	)	PUNCT
ejif-3301	85	34	,	,	PUNCT
ejif-3301	85	35	there	there	PRON
ejif-3301	85	36	is	be	VERB
ejif-3301	85	37	a	a	DET
ejif-3301	85	38	large	large	ADJ
ejif-3301	85	39	gap	gap	NOUN
ejif-3301	85	40	that	that	PRON
ejif-3301	85	41	is	be	AUX
ejif-3301	85	42	not	not	PART
ejif-3301	85	43	covered	cover	VERB
ejif-3301	85	44	yet	yet	ADV
ejif-3301	85	45	.	.	PUNCT
ejif-3301	86	1	for	for	ADP
ejif-3301	86	2	instance	instance	NOUN
ejif-3301	86	3	,	,	PUNCT
ejif-3301	86	4	academic	academic	ADJ
ejif-3301	86	5	literature	literature	NOUN
ejif-3301	86	6	does	do	AUX
ejif-3301	86	7	not	not	PART
ejif-3301	86	8	provide	provide	VERB
ejif-3301	86	9	rigorous	rigorous	ADJ
ejif-3301	86	10	analysis	analysis	NOUN
ejif-3301	86	11	of	of	ADP
ejif-3301	86	12	the	the	DET
ejif-3301	86	13	islamic	islamic	ADJ
ejif-3301	86	14	financial	financial	ADJ
ejif-3301	86	15	product	product	NOUN
ejif-3301	86	16	structure	structure	NOUN
ejif-3301	86	17	,	,	PUNCT
ejif-3301	86	18	and	and	CCONJ
ejif-3301	86	19	what	what	PRON
ejif-3301	86	20	are	be	AUX
ejif-3301	86	21	their	their	PRON
ejif-3301	86	22	role	role	NOUN
ejif-3301	86	23	under	under	ADP
ejif-3301	86	24	asymmetric	asymmetric	ADJ
ejif-3301	86	25	information	information	NOUN
ejif-3301	86	26	,	,	PUNCT
ejif-3301	86	27	and	and	CCONJ
ejif-3301	86	28	how	how	SCONJ
ejif-3301	86	29	to	to	PART
ejif-3301	86	30	deter	deter	VERB
ejif-3301	86	31	opportunistic	opportunistic	ADJ
ejif-3301	86	32	behaviour	behaviour	NOUN
ejif-3301	86	33	of	of	ADP
ejif-3301	86	34	borrowers	borrower	NOUN
ejif-3301	86	35	there	there	PRON
ejif-3301	86	36	was	be	VERB
ejif-3301	86	37	one	one	NUM
ejif-3301	86	38	study	study	NOUN
ejif-3301	86	39	,	,	PUNCT
ejif-3301	86	40	crawford	crawford	PROPN
ejif-3301	86	41	etc	etc	X
ejif-3301	86	42	.	.	PUNCT
ejif-3301	87	1	al	al	PROPN
ejif-3301	87	2	.	.	PROPN
ejif-3301	88	1	(	(	PUNCT
ejif-3301	88	2	2013	2013	NUM
ejif-3301	88	3	)	)	PUNCT
ejif-3301	88	4	(	(	PUNCT
ejif-3301	88	5	crawford	crawford	PROPN
ejif-3301	88	6	,	,	PUNCT
ejif-3301	88	7	2013	2013	NUM
ejif-3301	88	8	)	)	PUNCT
ejif-3301	88	9	that	that	PRON
ejif-3301	88	10	empirically	empirically	ADV
ejif-3301	88	11	measured	measure	VERB
ejif-3301	88	12	the	the	DET
ejif-3301	88	13	extent	extent	NOUN
ejif-3301	88	14	and	and	CCONJ
ejif-3301	88	15	consequences	consequence	NOUN
ejif-3301	88	16	of	of	ADP
ejif-3301	88	17	asymmetric	asymmetric	ADJ
ejif-3301	88	18	information	information	NOUN
ejif-3301	88	19	in	in	ADP
ejif-3301	88	20	borrowing	borrowing	NOUN
ejif-3301	88	21	by	by	ADP
ejif-3301	88	22	regressing	regress	VERB
ejif-3301	88	23	different	different	ADJ
ejif-3301	88	24	efficiency	efficiency	NOUN
ejif-3301	88	25	factors	factor	NOUN
ejif-3301	88	26	on	on	ADP
ejif-3301	88	27	variables	variable	NOUN
ejif-3301	88	28	like	like	ADP
ejif-3301	88	29	loan	loan	NOUN
ejif-3301	88	30	size	size	NOUN
ejif-3301	88	31	,	,	PUNCT
ejif-3301	88	32	tenor	tenor	NOUN
ejif-3301	88	33	,	,	PUNCT
ejif-3301	88	34	and	and	CCONJ
ejif-3301	88	35	interest	interest	NOUN
ejif-3301	88	36	rate	rate	NOUN
ejif-3301	88	37	of	of	ADP
ejif-3301	88	38	loans	loan	NOUN
ejif-3301	88	39	.	.	PUNCT
ejif-3301	89	1	this	this	DET
ejif-3301	89	2	riskiness	riskiness	NOUN
ejif-3301	89	3	influences	influence	VERB
ejif-3301	89	4	banks	bank	NOUN
ejif-3301	89	5	’	’	PART
ejif-3301	89	6	pricing	pricing	NOUN
ejif-3301	89	7	of	of	ADP
ejif-3301	89	8	loans	loan	NOUN
ejif-3301	89	9	as	as	SCONJ
ejif-3301	89	10	higher	high	ADJ
ejif-3301	89	11	interest	interest	NOUN
ejif-3301	89	12	rates	rate	NOUN
ejif-3301	89	13	attract	attract	VERB
ejif-3301	89	14	a	a	DET
ejif-3301	89	15	riskier	risky	ADJ
ejif-3301	89	16	pool	pool	NOUN
ejif-3301	89	17	of	of	ADP
ejif-3301	89	18	borrowers	borrower	NOUN
ejif-3301	89	19	,	,	PUNCT
ejif-3301	89	20	increasing	increase	VERB
ejif-3301	89	21	aggregate	aggregate	ADJ
ejif-3301	89	22	default	default	NOUN
ejif-3301	89	23	probabilities	probability	NOUN
ejif-3301	89	24	.	.	PUNCT
ejif-3301	90	1	data	datum	NOUN
ejif-3301	90	2	on	on	ADP
ejif-3301	90	3	default	default	NOUN
ejif-3301	90	4	,	,	PUNCT
ejif-3301	90	5	loan	loan	NOUN
ejif-3301	90	6	size	size	NOUN
ejif-3301	90	7	,	,	PUNCT
ejif-3301	90	8	demand	demand	NOUN
ejif-3301	90	9	,	,	PUNCT
ejif-3301	90	10	and	and	CCONJ
ejif-3301	90	11	pricing	pricing	NOUN
ejif-3301	90	12	separately	separately	ADV
ejif-3301	90	13	identify	identify	VERB
ejif-3301	90	14	the	the	DET
ejif-3301	90	15	distribution	distribution	NOUN
ejif-3301	90	16	of	of	ADP
ejif-3301	90	17	private	private	ADJ
ejif-3301	90	18	riskiness	riskiness	NOUN
ejif-3301	90	19	from	from	ADP
ejif-3301	90	20	heterogeneous	heterogeneous	ADJ
ejif-3301	90	21	firm	firm	ADJ
ejif-3301	90	22	disutility	disutility	NOUN
ejif-3301	90	23	from	from	ADP
ejif-3301	90	24	paying	pay	VERB
ejif-3301	90	25	interest	interest	NOUN
ejif-3301	90	26	.	.	PUNCT
ejif-3301	91	1	results	result	NOUN
ejif-3301	91	2	suggest	suggest	VERB
ejif-3301	91	3	evidence	evidence	NOUN
ejif-3301	91	4	of	of	ADP
ejif-3301	91	5	asymmetric	asymmetric	ADJ
ejif-3301	91	6	information	information	NOUN
ejif-3301	91	7	,	,	PUNCT
ejif-3301	91	8	separately	separately	ADV
ejif-3301	91	9	identifying	identify	VERB
ejif-3301	91	10	adverse	adverse	ADJ
ejif-3301	91	11	selection	selection	NOUN
ejif-3301	91	12	and	and	CCONJ
ejif-3301	91	13	moral	moral	ADJ
ejif-3301	91	14	hazard	hazard	NOUN
ejif-3301	91	15	.	.	PUNCT
ejif-3301	92	1	however	however	ADV
ejif-3301	92	2	,	,	PUNCT
ejif-3301	92	3	these	these	DET
ejif-3301	92	4	studies	study	NOUN
ejif-3301	92	5	were	be	AUX
ejif-3301	92	6	not	not	PART
ejif-3301	92	7	done	do	VERB
ejif-3301	92	8	in	in	ADP
ejif-3301	92	9	the	the	DET
ejif-3301	92	10	context	context	NOUN
ejif-3301	92	11	of	of	ADP
ejif-3301	92	12	how	how	SCONJ
ejif-3301	92	13	financing	financing	NOUN
ejif-3301	92	14	contracts	contract	NOUN
ejif-3301	92	15	were	be	AUX
ejif-3301	92	16	designed	design	VERB
ejif-3301	92	17	,	,	PUNCT
ejif-3301	92	18	neither	neither	CCONJ
ejif-3301	92	19	have	have	AUX
ejif-3301	92	20	they	they	PRON
ejif-3301	92	21	carried	carry	VERB
ejif-3301	92	22	a	a	DET
ejif-3301	92	23	comparative	comparative	ADJ
ejif-3301	92	24	analysis	analysis	NOUN
ejif-3301	92	25	for	for	ADP
ejif-3301	92	26	different	different	ADJ
ejif-3301	92	27	mode	mode	NOUN
ejif-3301	92	28	of	of	ADP
ejif-3301	92	29	financing	financing	NOUN
ejif-3301	92	30	,	,	PUNCT
ejif-3301	92	31	and	and	CCONJ
ejif-3301	92	32	the	the	DET
ejif-3301	92	33	information	information	NOUN
ejif-3301	92	34	asymmetry	asymmetry	NOUN
ejif-3301	92	35	in	in	ADP
ejif-3301	92	36	each	each	PRON
ejif-3301	92	37	.	.	PUNCT
ejif-3301	93	1	and	and	CCONJ
ejif-3301	93	2	above	above	ADP
ejif-3301	93	3	all	all	PRON
ejif-3301	93	4	they	they	PRON
ejif-3301	93	5	were	be	AUX
ejif-3301	93	6	not	not	PART
ejif-3301	93	7	done	do	VERB
ejif-3301	93	8	in	in	ADP
ejif-3301	93	9	environment	environment	NOUN
ejif-3301	93	10	of	of	ADP
ejif-3301	93	11	a	a	DET
ejif-3301	93	12	developing	develop	VERB
ejif-3301	93	13	country	country	NOUN
ejif-3301	93	14	having	have	VERB
ejif-3301	93	15	higher	high	ADJ
ejif-3301	93	16	information	information	NOUN
ejif-3301	93	17	asymmetries	asymmetry	NOUN
ejif-3301	93	18	.	.	PUNCT
ejif-3301	94	1	moreover	moreover	ADV
ejif-3301	94	2	,	,	PUNCT
ejif-3301	94	3	there	there	PRON
ejif-3301	94	4	was	be	VERB
ejif-3301	94	5	a	a	DET
ejif-3301	94	6	need	need	NOUN
ejif-3301	94	7	to	to	PART
ejif-3301	94	8	compare	compare	VERB
ejif-3301	94	9	conventional	conventional	ADJ
ejif-3301	94	10	and	and	CCONJ
ejif-3301	94	11	islamic	islamic	ADJ
ejif-3301	94	12	mode	mode	NOUN
ejif-3301	94	13	of	of	ADP
ejif-3301	94	14	financing	financing	NOUN
ejif-3301	94	15	with	with	ADP
ejif-3301	94	16	regards	regard	NOUN
ejif-3301	94	17	to	to	ADP
ejif-3301	94	18	asymmetric	asymmetric	ADJ
ejif-3301	94	19	information	information	NOUN
ejif-3301	94	20	,	,	PUNCT
ejif-3301	94	21	as	as	SCONJ
ejif-3301	94	22	they	they	PRON
ejif-3301	94	23	are	be	AUX
ejif-3301	94	24	designed	design	VERB
ejif-3301	94	25	different	different	ADJ
ejif-3301	94	26	and	and	CCONJ
ejif-3301	94	27	the	the	DET
ejif-3301	94	28	problem	problem	NOUN
ejif-3301	94	29	of	of	ADP
ejif-3301	94	30	asymmetric	asymmetric	ADJ
ejif-3301	94	31	information	information	NOUN
ejif-3301	94	32	in	in	ADP
ejif-3301	94	33	islamic	islamic	ADJ
ejif-3301	94	34	finance	finance	NOUN
ejif-3301	94	35	is	be	AUX
ejif-3301	94	36	supposed	suppose	VERB
ejif-3301	94	37	to	to	PART
ejif-3301	94	38	be	be	AUX
ejif-3301	94	39	reduced	reduce	VERB
ejif-3301	94	40	by	by	ADP
ejif-3301	94	41	transferring	transfer	VERB
ejif-3301	94	42	physical	physical	ADJ
ejif-3301	94	43	position	position	NOUN
ejif-3301	94	44	of	of	ADP
ejif-3301	94	45	financed	finance	VERB
ejif-3301	94	46	asset	asset	NOUN
ejif-3301	94	47	.	.	PUNCT
ejif-3301	95	1	however	however	ADV
ejif-3301	95	2	,	,	PUNCT
ejif-3301	95	3	as	as	SCONJ
ejif-3301	95	4	there	there	PRON
ejif-3301	95	5	are	be	VERB
ejif-3301	95	6	many	many	ADJ
ejif-3301	95	7	other	other	ADJ
ejif-3301	95	8	factors	factor	NOUN
ejif-3301	95	9	that	that	PRON
ejif-3301	95	10	are	be	AUX
ejif-3301	95	11	different	different	ADJ
ejif-3301	95	12	in	in	ADP
ejif-3301	95	13	islamic	islamic	ADJ
ejif-3301	95	14	and	and	CCONJ
ejif-3301	95	15	conventional	conventional	ADJ
ejif-3301	95	16	banks	bank	NOUN
ejif-3301	95	17	,	,	PUNCT
ejif-3301	95	18	that	that	PRON
ejif-3301	95	19	can	can	AUX
ejif-3301	95	20	not	not	PART
ejif-3301	95	21	be	be	AUX
ejif-3301	95	22	held	hold	VERB
ejif-3301	95	23	constant	constant	ADJ
ejif-3301	95	24	,	,	PUNCT
ejif-3301	95	25	making	make	VERB
ejif-3301	95	26	their	their	PRON
ejif-3301	95	27	performance	performance	NOUN
ejif-3301	95	28	and	and	CCONJ
ejif-3301	95	29	profitability	profitability	NOUN
ejif-3301	95	30	comparison	comparison	NOUN
ejif-3301	95	31	un	un	ADJ
ejif-3301	95	32	-	-	ADJ
ejif-3301	95	33	reliable	reliable	ADJ
ejif-3301	95	34	.	.	PUNCT
ejif-3301	96	1	these	these	PRON
ejif-3301	96	2	are	be	AUX
ejif-3301	96	3	size	size	NOUN
ejif-3301	96	4	of	of	ADP
ejif-3301	96	5	business	business	NOUN
ejif-3301	96	6	,	,	PUNCT
ejif-3301	96	7	their	their	PRON
ejif-3301	96	8	past	past	ADJ
ejif-3301	96	9	loan	loan	NOUN
ejif-3301	96	10	history	history	NOUN
ejif-3301	96	11	and	and	CCONJ
ejif-3301	96	12	their	their	PRON
ejif-3301	96	13	stage	stage	NOUN
ejif-3301	96	14	in	in	ADP
ejif-3301	96	15	business	business	NOUN
ejif-3301	96	16	life	life	NOUN
ejif-3301	96	17	cycle	cycle	NOUN
ejif-3301	96	18	.	.	PUNCT
ejif-3301	97	1	businesses	business	NOUN
ejif-3301	97	2	that	that	PRON
ejif-3301	97	3	are	be	AUX
ejif-3301	97	4	more	more	ADV
ejif-3301	97	5	stable	stable	ADJ
ejif-3301	97	6	and	and	CCONJ
ejif-3301	97	7	mature	mature	ADJ
ejif-3301	97	8	normally	normally	ADV
ejif-3301	97	9	have	have	VERB
ejif-3301	97	10	long	long	ADJ
ejif-3301	97	11	term	term	NOUN
ejif-3301	97	12	credit	credit	NOUN
ejif-3301	97	13	history	history	NOUN
ejif-3301	97	14	with	with	ADP
ejif-3301	97	15	conventional	conventional	ADJ
ejif-3301	97	16	banks	bank	NOUN
ejif-3301	97	17	thereby	thereby	ADV
ejif-3301	97	18	reducing	reduce	VERB
ejif-3301	97	19	many	many	ADJ
ejif-3301	97	20	of	of	ADP
ejif-3301	97	21	the	the	DET
ejif-3301	97	22	problems	problem	NOUN
ejif-3301	97	23	of	of	ADP
ejif-3301	97	24	asymmetric	asymmetric	ADJ
ejif-3301	97	25	information	information	NOUN
ejif-3301	97	26	such	such	ADJ
ejif-3301	97	27	as	as	ADP
ejif-3301	97	28	moral	moral	ADJ
ejif-3301	97	29	hazards	hazard	NOUN
ejif-3301	97	30	and	and	CCONJ
ejif-3301	97	31	adverse	adverse	ADJ
ejif-3301	97	32	selection	selection	NOUN
ejif-3301	97	33	.	.	PUNCT
ejif-3301	98	1	islamic	islamic	ADJ
ejif-3301	98	2	banks	bank	NOUN
ejif-3301	98	3	are	be	AUX
ejif-3301	98	4	relatively	relatively	ADV
ejif-3301	98	5	new	new	ADJ
ejif-3301	98	6	and	and	CCONJ
ejif-3301	98	7	are	be	AUX
ejif-3301	98	8	facing	face	VERB
ejif-3301	98	9	more	more	ADJ
ejif-3301	98	10	information	information	NOUN
ejif-3301	98	11	asymmetry	asymmetry	NOUN
ejif-3301	98	12	.	.	PUNCT
ejif-3301	99	1	hence	hence	ADV
ejif-3301	99	2	comparing	compare	VERB
ejif-3301	99	3	those	those	PRON
ejif-3301	99	4	with	with	ADP
ejif-3301	99	5	conventional	conventional	ADJ
ejif-3301	99	6	banks	bank	NOUN
ejif-3301	99	7	might	might	AUX
ejif-3301	99	8	not	not	PART
ejif-3301	99	9	give	give	VERB
ejif-3301	99	10	credible	credible	ADJ
ejif-3301	99	11	results	result	NOUN
ejif-3301	99	12	as	as	SCONJ
ejif-3301	99	13	we	we	PRON
ejif-3301	99	14	are	be	AUX
ejif-3301	99	15	purely	purely	ADV
ejif-3301	99	16	focusing	focus	VERB
ejif-3301	99	17	on	on	ADP
ejif-3301	99	18	the	the	DET
ejif-3301	99	19	problems	problem	NOUN
ejif-3301	99	20	of	of	ADP
ejif-3301	99	21	asymmetric	asymmetric	ADJ
ejif-3301	99	22	information	information	NOUN
ejif-3301	99	23	that	that	PRON
ejif-3301	99	24	arrived	arrive	VERB
ejif-3301	99	25	from	from	ADP
ejif-3301	99	26	the	the	DET
ejif-3301	99	27	way	way	NOUN
ejif-3301	99	28	financing	financing	NOUN
ejif-3301	99	29	contracts	contract	NOUN
ejif-3301	99	30	were	be	AUX
ejif-3301	99	31	designed	design	VERB
ejif-3301	99	32	.	.	PUNCT
ejif-3301	100	1	a	a	DET
ejif-3301	100	2	work	work	NOUN
ejif-3301	100	3	around	around	ADV
ejif-3301	100	4	was	be	AUX
ejif-3301	100	5	to	to	PART
ejif-3301	100	6	compare	compare	VERB
ejif-3301	100	7	mode	mode	NOUN
ejif-3301	100	8	of	of	ADP
ejif-3301	100	9	financing	financing	NOUN
ejif-3301	100	10	within	within	ADP
ejif-3301	100	11	islamic	islamic	PROPN
ejif-3301	100	12	bank	bank	PROPN
ejif-3301	100	13	that	that	PRON
ejif-3301	100	14	does	do	AUX
ejif-3301	100	15	n’t	not	PART
ejif-3301	100	16	involved	involve	VERB
ejif-3301	100	17	new	new	ADJ
ejif-3301	100	18	assets	asset	NOUN
ejif-3301	100	19	being	be	AUX
ejif-3301	100	20	purchased	purchase	VERB
ejif-3301	100	21	(	(	PUNCT
ejif-3301	100	22	istisna	istisna	NOUN
ejif-3301	100	23	)	)	PUNCT
ejif-3301	100	24	with	with	ADP
ejif-3301	100	25	that	that	PRON
ejif-3301	100	26	in	in	ADP
ejif-3301	100	27	which	which	PRON
ejif-3301	100	28	new	new	ADJ
ejif-3301	100	29	assets	asset	NOUN
ejif-3301	100	30	are	be	AUX
ejif-3301	100	31	purchased	purchase	VERB
ejif-3301	100	32	(	(	PUNCT
ejif-3301	100	33	murabaha	murabaha	NOUN
ejif-3301	100	34	)	)	PUNCT
ejif-3301	100	35	.	.	PUNCT
ejif-3301	101	1	in	in	ADP
ejif-3301	101	2	istisna	istisna	NOUN
ejif-3301	101	3	financing	financing	NOUN
ejif-3301	101	4	,	,	PUNCT
ejif-3301	101	5	the	the	DET
ejif-3301	101	6	bank	bank	NOUN
ejif-3301	101	7	order	order	NOUN
ejif-3301	101	8	to	to	PART
ejif-3301	101	9	manufacture	manufacture	VERB
ejif-3301	101	10	some	some	DET
ejif-3301	101	11	goods	good	NOUN
ejif-3301	101	12	to	to	ADP
ejif-3301	101	13	the	the	PRON
ejif-3301	101	14	and	and	CCONJ
ejif-3301	101	15	then	then	ADV
ejif-3301	101	16	by	by	ADP
ejif-3301	101	17	an	an	DET
ejif-3301	101	18	agency	agency	NOUN
ejif-3301	101	19	agreement	agreement	NOUN
ejif-3301	101	20	customer	customer	NOUN
ejif-3301	101	21	sell	sell	VERB
ejif-3301	101	22	those	those	DET
ejif-3301	101	23	goods	good	NOUN
ejif-3301	101	24	to	to	PART
ejif-3301	101	25	end	end	VERB
ejif-3301	101	26	buyer	buyer	NOUN
ejif-3301	101	27	firms	firm	NOUN
ejif-3301	101	28	existent	existent	ADJ
ejif-3301	101	29	asset	asset	NOUN
ejif-3301	101	30	is	be	AUX
ejif-3301	101	31	purchased	purchase	VERB
ejif-3301	101	32	by	by	ADP
ejif-3301	101	33	bank	bank	NOUN
ejif-3301	101	34	and	and	CCONJ
ejif-3301	101	35	leased	lease	VERB
ejif-3301	101	36	or	or	CCONJ
ejif-3301	101	37	sale	sale	NOUN
ejif-3301	101	38	back	back	ADV
ejif-3301	101	39	to	to	PART
ejif-3301	101	40	firm	firm	VERB
ejif-3301	101	41	on	on	ADP
ejif-3301	101	42	deferred	defer	VERB
ejif-3301	101	43	payment	payment	NOUN
ejif-3301	101	44	,	,	PUNCT
ejif-3301	101	45	effectively	effectively	ADV
ejif-3301	101	46	giving	give	VERB
ejif-3301	101	47	money	money	NOUN
ejif-3301	101	48	to	to	PART
ejif-3301	101	49	firm	firm	VERB
ejif-3301	101	50	that	that	PRON
ejif-3301	101	51	can	can	AUX
ejif-3301	101	52	theoretically	theoretically	ADV
ejif-3301	101	53	utilized	utilize	VERB
ejif-3301	101	54	that	that	SCONJ
ejif-3301	101	55	in	in	ADP
ejif-3301	101	56	more	more	ADV
ejif-3301	101	57	risky	risky	ADJ
ejif-3301	101	58	businesses	business	NOUN
ejif-3301	101	59	.	.	PUNCT
ejif-3301	102	1	and	and	CCONJ
ejif-3301	102	2	because	because	SCONJ
ejif-3301	102	3	that	that	DET
ejif-3301	102	4	intention	intention	NOUN
ejif-3301	102	5	is	be	AUX
ejif-3301	102	6	not	not	PART
ejif-3301	102	7	known	know	VERB
ejif-3301	102	8	,	,	PUNCT
ejif-3301	102	9	this	this	DET
ejif-3301	102	10	information	information	NOUN
ejif-3301	102	11	asymmetry	asymmetry	NOUN
ejif-3301	102	12	would	would	AUX
ejif-3301	102	13	lead	lead	VERB
ejif-3301	102	14	to	to	ADP
ejif-3301	102	15	the	the	DET
ejif-3301	102	16	problems	problem	NOUN
ejif-3301	102	17	of	of	ADP
ejif-3301	102	18	moral	moral	ADJ
ejif-3301	102	19	hazard	hazard	NOUN
ejif-3301	102	20	and	and	CCONJ
ejif-3301	102	21	adverse	adverse	ADJ
ejif-3301	102	22	selection	selection	NOUN
ejif-3301	102	23	.	.	PUNCT
ejif-3301	103	1	whereas	whereas	SCONJ
ejif-3301	103	2	in	in	ADP
ejif-3301	103	3	murabaha	murabaha	NOUN
ejif-3301	103	4	,	,	PUNCT
ejif-3301	103	5	new	new	ADJ
ejif-3301	103	6	assets	asset	NOUN
ejif-3301	103	7	is	be	AUX
ejif-3301	103	8	purchased	purchase	VERB
ejif-3301	103	9	directly	directly	ADV
ejif-3301	103	10	by	by	ADP
ejif-3301	103	11	bank	bank	NOUN
ejif-3301	103	12	from	from	ADP
ejif-3301	103	13	the	the	DET
ejif-3301	103	14	third	third	ADJ
ejif-3301	103	15	party	party	NOUN
ejif-3301	103	16	and	and	CCONJ
ejif-3301	103	17	after	after	ADP
ejif-3301	103	18	taking	take	VERB
ejif-3301	103	19	physical	physical	ADJ
ejif-3301	103	20	or	or	CCONJ
ejif-3301	103	21	constructive	constructive	ADJ
ejif-3301	103	22	possession	possession	NOUN
ejif-3301	103	23	,	,	PUNCT
ejif-3301	103	24	it	it	PRON
ejif-3301	103	25	is	be	AUX
ejif-3301	103	26	sold	sell	VERB
ejif-3301	103	27	or	or	CCONJ
ejif-3301	103	28	leased	lease	VERB
ejif-3301	103	29	to	to	ADP
ejif-3301	103	30	that	that	DET
ejif-3301	103	31	firm	firm	NOUN
ejif-3301	103	32	,	,	PUNCT
ejif-3301	103	33	affectively	affectively	ADV
ejif-3301	103	34	not	not	PART
ejif-3301	103	35	getting	get	VERB
ejif-3301	103	36	money	money	NOUN
ejif-3301	103	37	that	that	PRON
ejif-3301	103	38	could	could	AUX
ejif-3301	103	39	be	be	AUX
ejif-3301	103	40	invested	invest	VERB
ejif-3301	103	41	somewhere	somewhere	ADV
ejif-3301	103	42	else	else	ADV
ejif-3301	103	43	,	,	PUNCT
ejif-3301	103	44	but	but	CCONJ
ejif-3301	103	45	as	as	ADP
ejif-3301	103	46	asset	asset	NOUN
ejif-3301	103	47	.	.	PUNCT
ejif-3301	104	1	this	this	PRON
ejif-3301	104	2	will	will	AUX
ejif-3301	104	3	reduce	reduce	VERB
ejif-3301	104	4	the	the	DET
ejif-3301	104	5	problem	problem	NOUN
ejif-3301	104	6	of	of	ADP
ejif-3301	104	7	information	information	NOUN
ejif-3301	104	8	asymmetry	asymmetry	NOUN
ejif-3301	104	9	.	.	PUNCT
ejif-3301	105	1	hence	hence	ADV
ejif-3301	105	2	,	,	PUNCT
ejif-3301	105	3	in	in	ADP
ejif-3301	105	4	this	this	DET
ejif-3301	105	5	way	way	NOUN
ejif-3301	105	6	factors	factor	NOUN
ejif-3301	105	7	discussed	discuss	VERB
ejif-3301	105	8	above	above	ADV
ejif-3301	105	9	were	be	AUX
ejif-3301	105	10	affectively	affectively	ADV
ejif-3301	105	11	controlled	control	VERB
ejif-3301	105	12	for	for	ADP
ejif-3301	105	13	.	.	PUNCT
ejif-3301	106	1	moreover	moreover	ADV
ejif-3301	106	2	,	,	PUNCT
ejif-3301	106	3	to	to	PART
ejif-3301	106	4	keep	keep	VERB
ejif-3301	106	5	other	other	ADJ
ejif-3301	106	6	bank	bank	NOUN
ejif-3301	106	7	specific	specific	ADJ
ejif-3301	106	8	factor	factor	NOUN
ejif-3301	106	9	constant	constant	ADJ
ejif-3301	106	10	(	(	PUNCT
ejif-3301	106	11	that	that	PRON
ejif-3301	106	12	are	be	AUX
ejif-3301	106	13	different	different	ADJ
ejif-3301	106	14	within	within	ADP
ejif-3301	106	15	islamic	islamic	ADJ
ejif-3301	106	16	banks	bank	NOUN
ejif-3301	106	17	)	)	PUNCT
ejif-3301	106	18	,	,	PUNCT
ejif-3301	106	19	we	we	PRON
ejif-3301	106	20	select	select	VERB
ejif-3301	106	21	customers	customer	NOUN
ejif-3301	106	22	from	from	ADP
ejif-3301	106	23	a	a	DET
ejif-3301	106	24	single	single	ADJ
ejif-3301	106	25	bank	bank	NOUN
ejif-3301	106	26	.	.	PUNCT
ejif-3301	107	1	we	we	PRON
ejif-3301	107	2	selected	select	VERB
ejif-3301	107	3	meezan	meezan	PROPN
ejif-3301	107	4	bank	bank	PROPN
ejif-3301	107	5	as	as	SCONJ
ejif-3301	107	6	it	it	PRON
ejif-3301	107	7	’s	’	VERB
ejif-3301	107	8	a	a	DET
ejif-3301	107	9	largest	large	ADJ
ejif-3301	107	10	full	full	ADJ
ejif-3301	107	11	fledge	fledge	ADJ
ejif-3301	107	12	islamic	islamic	PROPN
ejif-3301	107	13	bank	bank	PROPN
ejif-3301	107	14	in	in	ADP
ejif-3301	107	15	pakistan	pakistan	PROPN
ejif-3301	107	16	.	.	PUNCT
ejif-3301	108	1	moreover	moreover	ADV
ejif-3301	108	2	,	,	PUNCT
ejif-3301	108	3	country	country	NOUN
ejif-3301	108	4	pakistan	pakistan	PROPN
ejif-3301	108	5	is	be	AUX
ejif-3301	108	6	selected	select	VERB
ejif-3301	108	7	as	as	SCONJ
ejif-3301	108	8	islamic	islamic	ADJ
ejif-3301	108	9	banking	banking	NOUN
ejif-3301	108	10	is	be	AUX
ejif-3301	108	11	relatively	relatively	ADV
ejif-3301	108	12	new	new	ADJ
ejif-3301	108	13	but	but	CCONJ
ejif-3301	108	14	rapidly	rapidly	ADV
ejif-3301	108	15	growing	grow	VERB
ejif-3301	108	16	at	at	ADP
ejif-3301	108	17	the	the	DET
ejif-3301	108	18	rate	rate	NOUN
ejif-3301	108	19	of	of	ADP
ejif-3301	108	20	14	14	NUM
ejif-3301	108	21	%	%	NOUN
ejif-3301	108	22	.	.	PUNCT
ejif-3301	109	1	and	and	CCONJ
ejif-3301	109	2	new	new	ADJ
ejif-3301	109	3	banks	bank	NOUN
ejif-3301	109	4	seemed	seem	VERB
ejif-3301	109	5	to	to	PART
ejif-3301	109	6	have	have	VERB
ejif-3301	109	7	more	more	ADJ
ejif-3301	109	8	information	information	NOUN
ejif-3301	109	9	asymmetry	asymmetry	NOUN
ejif-3301	109	10	of	of	ADP
ejif-3301	109	11	borrowers	borrower	NOUN
ejif-3301	109	12	as	as	SCONJ
ejif-3301	109	13	compared	compare	VERB
ejif-3301	109	14	to	to	ADP
ejif-3301	109	15	old	old	ADJ
ejif-3301	109	16	established	establish	VERB
ejif-3301	109	17	banks	bank	NOUN
ejif-3301	109	18	where	where	SCONJ
ejif-3301	109	19	borrowers	borrower	NOUN
ejif-3301	109	20	have	have	VERB
ejif-3301	109	21	long	long	ADJ
ejif-3301	109	22	credit	credit	NOUN
ejif-3301	109	23	history	history	NOUN
ejif-3301	109	24	.	.	PUNCT
ejif-3301	110	1	1.4	1.4	NUM
ejif-3301	110	2	research	research	NOUN
ejif-3301	110	3	objective	objective	NOUN
ejif-3301	110	4	and	and	CCONJ
ejif-3301	110	5	significance	significance	NOUN
ejif-3301	110	6	in	in	ADP
ejif-3301	110	7	this	this	DET
ejif-3301	110	8	paper	paper	NOUN
ejif-3301	110	9	,	,	PUNCT
ejif-3301	110	10	we	we	PRON
ejif-3301	110	11	measure	measure	VERB
ejif-3301	110	12	the	the	DET
ejif-3301	110	13	consequences	consequence	NOUN
ejif-3301	110	14	of	of	ADP
ejif-3301	110	15	asymmetric	asymmetric	ADJ
ejif-3301	110	16	information	information	NOUN
ejif-3301	110	17	in	in	ADP
ejif-3301	110	18	the	the	DET
ejif-3301	110	19	pakistani	pakistani	ADJ
ejif-3301	110	20	market	market	NOUN
ejif-3301	110	21	for	for	ADP
ejif-3301	110	22	small	small	ADJ
ejif-3301	110	23	business	business	NOUN
ejif-3301	110	24	lines	line	NOUN
ejif-3301	110	25	of	of	ADP
ejif-3301	110	26	credit	credit	NOUN
ejif-3301	110	27	.	.	PUNCT
ejif-3301	111	1	this	this	DET
ejif-3301	111	2	riskiness	riskiness	NOUN
ejif-3301	111	3	influences	influence	VERB
ejif-3301	111	4	banks	bank	NOUN
ejif-3301	111	5	’	’	PART
ejif-3301	111	6	pricing	pricing	NOUN
ejif-3301	111	7	of	of	ADP
ejif-3301	111	8	loans	loan	NOUN
ejif-3301	111	9	as	as	SCONJ
ejif-3301	111	10	higher	high	ADJ
ejif-3301	111	11	interest	interest	NOUN
ejif-3301	111	12	rates	rate	NOUN
ejif-3301	111	13	attract	attract	VERB
ejif-3301	111	14	a	a	DET
ejif-3301	111	15	riskier	risky	ADJ
ejif-3301	111	16	pool	pool	NOUN
ejif-3301	111	17	of	of	ADP
ejif-3301	111	18	borrowers	borrower	NOUN
ejif-3301	111	19	,	,	PUNCT
ejif-3301	111	20	increasing	increase	VERB
ejif-3301	111	21	aggregate	aggregate	ADJ
ejif-3301	111	22	default	default	NOUN
ejif-3301	111	23	probabilities	probability	NOUN
ejif-3301	111	24	.	.	PUNCT
ejif-3301	112	1	to	to	PART
ejif-3301	112	2	measure	measure	VERB
ejif-3301	112	3	the	the	DET
ejif-3301	112	4	distribution	distribution	NOUN
ejif-3301	112	5	of	of	ADP
ejif-3301	112	6	asymmetric	asymmetric	ADJ
ejif-3301	112	7	firm	firm	ADJ
ejif-3301	112	8	riskiness	riskiness	NOUN
ejif-3301	112	9	,	,	PUNCT
ejif-3301	112	10	we	we	PRON
ejif-3301	112	11	estimate	estimate	VERB
ejif-3301	112	12	models	model	NOUN
ejif-3301	112	13	of	of	ADP
ejif-3301	112	14	loan	loan	NOUN
ejif-3301	112	15	size	size	NOUN
ejif-3301	112	16	,	,	PUNCT
ejif-3301	112	17	profit	profit	NOUN
ejif-3301	112	18	rate	rate	NOUN
ejif-3301	112	19	on	on	ADP
ejif-3301	112	20	financing	financing	NOUN
ejif-3301	112	21	,	,	PUNCT
ejif-3301	112	22	tenor	tenor	NOUN
ejif-3301	112	23	of	of	ADP
ejif-3301	112	24	financing	financing	NOUN
ejif-3301	112	25	,	,	PUNCT
ejif-3301	112	26	and	and	CCONJ
ejif-3301	112	27	default	default	NOUN
ejif-3301	112	28	spread	spread	NOUN
ejif-3301	112	29	.	.	PUNCT
ejif-3301	113	1	following	follow	VERB
ejif-3301	113	2	stiglitz	stiglitz	PROPN
ejif-3301	113	3	and	and	CCONJ
ejif-3301	113	4	weiss	weiss	PROPN
ejif-3301	113	5	(	(	PUNCT
ejif-3301	113	6	1981	1981	NUM
ejif-3301	113	7	)	)	PUNCT
ejif-3301	113	8	,	,	PUNCT
ejif-3301	113	9	(	(	PUNCT
ejif-3301	113	10	weiss	weiss	PROPN
ejif-3301	113	11	,	,	PUNCT
ejif-3301	113	12	1981	1981	NUM
ejif-3301	113	13	)	)	PUNCT
ejif-3301	113	14	we	we	PRON
ejif-3301	113	15	assume	assume	VERB
ejif-3301	113	16	firms	firm	NOUN
ejif-3301	113	17	seek	seek	VERB
ejif-3301	113	18	lines	line	NOUN
ejif-3301	113	19	of	of	ADP
ejif-3301	113	20	credit	credit	NOUN
ejif-3301	113	21	to	to	PART
ejif-3301	113	22	finance	finance	VERB
ejif-3301	113	23	the	the	DET
ejif-3301	113	24	on	on	ADP
ejif-3301	113	25	-	-	PUNCT
ejif-3301	113	26	going	go	VERB
ejif-3301	113	27	activities	activity	NOUN
ejif-3301	113	28	associated	associate	VERB
ejif-3301	113	29	with	with	ADP
ejif-3301	113	30	a	a	DET
ejif-3301	113	31	particular	particular	ADJ
ejif-3301	113	32	business	business	NOUN
ejif-3301	113	33	project	project	NOUN
ejif-3301	113	34	,	,	PUNCT
ejif-3301	113	35	the	the	DET
ejif-3301	113	36	riskiness	riskiness	NOUN
ejif-3301	113	37	of	of	ADP
ejif-3301	113	38	which	which	PRON
ejif-3301	113	39	is	be	AUX
ejif-3301	113	40	private	private	ADJ
ejif-3301	113	41	information	information	NOUN
ejif-3301	113	42	to	to	ADP
ejif-3301	113	43	the	the	DET
ejif-3301	113	44	firm	firm	NOUN
ejif-3301	113	45	.	.	PUNCT
ejif-3301	114	1	in	in	ADP
ejif-3301	114	2	fact	fact	NOUN
ejif-3301	114	3	those	those	DET
ejif-3301	114	4	firms	firm	NOUN
ejif-3301	114	5	know	know	VERB
ejif-3301	114	6	the	the	DET
ejif-3301	114	7	riskiness	riskiness	NOUN
ejif-3301	114	8	of	of	ADP
ejif-3301	114	9	their	their	PRON
ejif-3301	114	10	own	own	ADJ
ejif-3301	114	11	project	project	NOUN
ejif-3301	114	12	,	,	PUNCT
ejif-3301	114	13	but	but	CCONJ
ejif-3301	114	14	banks	bank	NOUN
ejif-3301	114	15	can	can	AUX
ejif-3301	114	16	only	only	ADV
ejif-3301	114	17	observe	observe	VERB
ejif-3301	114	18	the	the	DET
ejif-3301	114	19	average	average	ADJ
ejif-3301	114	20	riskiness	riskiness	NOUN
ejif-3301	114	21	of	of	ADP
ejif-3301	114	22	their	their	PRON
ejif-3301	114	23	borrowers	borrower	NOUN
ejif-3301	114	24	,	,	PUNCT
ejif-3301	114	25	conditional	conditional	ADJ
ejif-3301	114	26	on	on	ADP
ejif-3301	114	27	observable	observable	ADJ
ejif-3301	114	28	firm	firm	ADJ
ejif-3301	114	29	characteristics	characteristic	NOUN
ejif-3301	114	30	.	.	PUNCT
ejif-3301	115	1	for	for	ADP
ejif-3301	115	2	a	a	DET
ejif-3301	115	3	given	give	VERB
ejif-3301	115	4	interest	interest	NOUN
ejif-3301	115	5	rate	rate	NOUN
ejif-3301	115	6	,	,	PUNCT
ejif-3301	115	7	firms	firm	NOUN
ejif-3301	115	8	’	'	PUNCT
ejif-3301	115	9	expected	expect	VERB
ejif-3301	115	10	profits	profit	NOUN
ejif-3301	115	11	are	be	AUX
ejif-3301	115	12	increasing	increase	VERB
ejif-3301	115	13	with	with	ADP
ejif-3301	115	14	risk	risk	NOUN
ejif-3301	115	15	due	due	ADP
ejif-3301	115	16	to	to	ADP
ejif-3301	115	17	the	the	DET
ejif-3301	115	18	insurance	insurance	NOUN
ejif-3301	115	19	effect	effect	NOUN
ejif-3301	115	20	of	of	ADP
ejif-3301	115	21	loans	loan	NOUN
ejif-3301	115	22	:	:	PUNCT
ejif-3301	115	23	banks	bank	NOUN
ejif-3301	115	24	share	share	VERB
ejif-3301	115	25	a	a	DET
ejif-3301	115	26	portion	portion	NOUN
ejif-3301	115	27	of	of	ADP
ejif-3301	115	28	the	the	DET
ejif-3301	115	29	costs	cost	NOUN
ejif-3301	115	30	of	of	ADP
ejif-3301	115	31	unsuccessful	unsuccessful	ADJ
ejif-3301	115	32	projects	project	NOUN
ejif-3301	115	33	.	.	PUNCT
ejif-3301	116	1	as	as	ADP
ejif-3301	116	2	a	a	DET
ejif-3301	116	3	result	result	NOUN
ejif-3301	116	4	,	,	PUNCT
ejif-3301	116	5	higher	high	ADJ
ejif-3301	116	6	-	-	PUNCT
ejif-3301	116	7	risk	risk	NOUN
ejif-3301	116	8	firms	firm	NOUN
ejif-3301	116	9	are	be	AUX
ejif-3301	116	10	more	more	ADV
ejif-3301	116	11	willing	willing	ADJ
ejif-3301	116	12	to	to	PART
ejif-3301	116	13	demand	demand	VERB
ejif-3301	116	14	higher	high	ADJ
ejif-3301	116	15	-	-	PUNCT
ejif-3301	116	16	rate	rate	NOUN
ejif-3301	116	17	loans	loan	NOUN
ejif-3301	116	18	.	.	PUNCT
ejif-3301	117	1	this	this	PRON
ejif-3301	117	2	,	,	PUNCT
ejif-3301	117	3	in	in	ADP
ejif-3301	117	4	turn	turn	NOUN
ejif-3301	117	5	,	,	PUNCT
ejif-3301	117	6	influences	influence	VERB
ejif-3301	117	7	the	the	DET
ejif-3301	117	8	profitability	profitability	NOUN
ejif-3301	117	9	and	and	CCONJ
ejif-3301	117	10	performance	performance	NOUN
ejif-3301	117	11	of	of	ADP
ejif-3301	117	12	the	the	DET
ejif-3301	117	13	borrowing	borrowing	NOUN
ejif-3301	117	14	firms	firm	NOUN
ejif-3301	117	15	.	.	PUNCT
ejif-3301	118	1	as	as	SCONJ
ejif-3301	118	2	firms	firm	NOUN
ejif-3301	118	3	invest	invest	VERB
ejif-3301	118	4	in	in	ADP
ejif-3301	118	5	risky	risky	ADJ
ejif-3301	118	6	business	business	NOUN
ejif-3301	118	7	due	due	ADP
ejif-3301	118	8	to	to	ADP
ejif-3301	118	9	asymmetric	asymmetric	ADJ
ejif-3301	118	10	payoffs	payoff	NOUN
ejif-3301	118	11	,	,	PUNCT
ejif-3301	118	12	their	their	PRON
ejif-3301	118	13	profitability	profitability	NOUN
ejif-3301	118	14	and	and	CCONJ
ejif-3301	118	15	performance	performance	NOUN
ejif-3301	118	16	is	be	AUX
ejif-3301	118	17	compromised	compromise	VERB
ejif-3301	118	18	.	.	PUNCT
ejif-3301	119	1	banks	bank	NOUN
ejif-3301	119	2	credit	credit	NOUN
ejif-3301	119	3	department	department	PROPN
ejif-3301	119	4	filter	filter	VERB
ejif-3301	119	5	out	out	ADP
ejif-3301	119	6	these	these	DET
ejif-3301	119	7	risky	risky	ADJ
ejif-3301	119	8	firms	firm	NOUN
ejif-3301	119	9	through	through	ADP
ejif-3301	119	10	their	their	PRON
ejif-3301	119	11	credit	credit	NOUN
ejif-3301	119	12	rating	rating	NOUN
ejif-3301	119	13	,	,	PUNCT
ejif-3301	119	14	collateral	collateral	NOUN
ejif-3301	119	15	and	and	CCONJ
ejif-3301	119	16	business	business	NOUN
ejif-3301	119	17	risk	risk	NOUN
ejif-3301	119	18	.	.	PUNCT
ejif-3301	120	1	financing	financing	NOUN
ejif-3301	120	2	rates	rate	NOUN
ejif-3301	120	3	are	be	AUX
ejif-3301	120	4	charged	charge	VERB
ejif-3301	120	5	depending	depend	VERB
ejif-3301	120	6	on	on	ADP
ejif-3301	120	7	these	these	DET
ejif-3301	120	8	characteristics	characteristic	NOUN
ejif-3301	120	9	.	.	PUNCT
ejif-3301	121	1	since	since	SCONJ
ejif-3301	121	2	they	they	PRON
ejif-3301	121	3	would	would	AUX
ejif-3301	121	4	grant	grant	VERB
ejif-3301	121	5	financing	financing	NOUN
ejif-3301	121	6	for	for	ADP
ejif-3301	121	7	a	a	DET
ejif-3301	121	8	particular	particular	ADJ
ejif-3301	121	9	business	business	NOUN
ejif-3301	121	10	and	and	CCONJ
ejif-3301	121	11	in	in	ADP
ejif-3301	121	12	particular	particular	ADJ
ejif-3301	121	13	conditions	condition	NOUN
ejif-3301	121	14	,	,	PUNCT
ejif-3301	121	15	this	this	PRON
ejif-3301	121	16	would	would	AUX
ejif-3301	121	17	make	make	VERB
ejif-3301	121	18	the	the	DET
ejif-3301	121	19	firm	firm	NOUN
ejif-3301	121	20	more	more	ADV
ejif-3301	121	21	disciplined	disciplined	ADJ
ejif-3301	121	22	,	,	PUNCT
ejif-3301	121	23	and	and	CCONJ
ejif-3301	121	24	efficiency	efficiency	NOUN
ejif-3301	121	25	thereby	thereby	ADV
ejif-3301	121	26	increasing	increase	VERB
ejif-3301	121	27	their	their	PRON
ejif-3301	121	28	ejif	ejif	NOUN
ejif-3301	121	29	–	–	PUNCT
ejif-3301	121	30	european	european	ADJ
ejif-3301	121	31	journal	journal	PROPN
ejif-3301	121	32	of	of	ADP
ejif-3301	121	33	islamic	islamic	PROPN
ejif-3301	121	34	finance	finance	PROPN
ejif-3301	121	35	no	no	DET
ejif-3301	121	36	14	14	NUM
ejif-3301	121	37	,	,	PUNCT
ejif-3301	121	38	december	december	PROPN
ejif-3301	121	39	(	(	PUNCT
ejif-3301	121	40	2019	2019	NUM
ejif-3301	121	41	)	)	PUNCT
ejif-3301	122	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	122	2	issn	issn	VERB
ejif-3301	122	3	2421	2421	NUM
ejif-3301	122	4	-	-	SYM
ejif-3301	122	5	2172	2172	NUM
ejif-3301	122	6	5	5	NUM
ejif-3301	122	7	performance	performance	NOUN
ejif-3301	122	8	.	.	PUNCT
ejif-3301	123	1	however	however	ADV
ejif-3301	123	2	,	,	PUNCT
ejif-3301	123	3	there	there	PRON
ejif-3301	123	4	is	be	VERB
ejif-3301	123	5	always	always	ADV
ejif-3301	123	6	a	a	DET
ejif-3301	123	7	chance	chance	NOUN
ejif-3301	123	8	that	that	PRON
ejif-3301	123	9	firm	firm	NOUN
ejif-3301	123	10	invest	invest	VERB
ejif-3301	123	11	that	that	DET
ejif-3301	123	12	money	money	NOUN
ejif-3301	123	13	somewhere	somewhere	ADV
ejif-3301	123	14	else	else	ADV
ejif-3301	123	15	ex	ex	NOUN
ejif-3301	123	16	-	-	NOUN
ejif-3301	123	17	post	post	NOUN
ejif-3301	123	18	.	.	PUNCT
ejif-3301	124	1	since	since	SCONJ
ejif-3301	124	2	bank	bank	NOUN
ejif-3301	124	3	is	be	AUX
ejif-3301	124	4	not	not	PART
ejif-3301	124	5	aware	aware	ADJ
ejif-3301	124	6	of	of	ADP
ejif-3301	124	7	firm	firm	NOUN
ejif-3301	124	8	’s	’s	PART
ejif-3301	124	9	intention	intention	NOUN
ejif-3301	124	10	,	,	PUNCT
ejif-3301	124	11	that	that	SCONJ
ejif-3301	124	12	information	information	NOUN
ejif-3301	124	13	asymmetry	asymmetry	NOUN
ejif-3301	124	14	would	would	AUX
ejif-3301	124	15	not	not	PART
ejif-3301	124	16	only	only	ADV
ejif-3301	124	17	increase	increase	VERB
ejif-3301	124	18	risk	risk	NOUN
ejif-3301	124	19	and	and	CCONJ
ejif-3301	124	20	lowering	lower	VERB
ejif-3301	124	21	the	the	DET
ejif-3301	124	22	profitability	profitability	NOUN
ejif-3301	124	23	of	of	ADP
ejif-3301	124	24	the	the	DET
ejif-3301	124	25	bank	bank	NOUN
ejif-3301	124	26	,	,	PUNCT
ejif-3301	124	27	but	but	CCONJ
ejif-3301	124	28	also	also	ADV
ejif-3301	124	29	for	for	ADP
ejif-3301	124	30	the	the	DET
ejif-3301	124	31	firms	firm	NOUN
ejif-3301	124	32	themselves	themselves	PRON
ejif-3301	124	33	.	.	PUNCT
ejif-3301	125	1	for	for	ADP
ejif-3301	125	2	this	this	DET
ejif-3301	125	3	reason	reason	NOUN
ejif-3301	125	4	,	,	PUNCT
ejif-3301	125	5	higher	high	ADJ
ejif-3301	125	6	rates	rate	NOUN
ejif-3301	125	7	for	for	ADP
ejif-3301	125	8	any	any	DET
ejif-3301	125	9	bank	bank	NOUN
ejif-3301	125	10	also	also	ADV
ejif-3301	125	11	worsen	worsen	VERB
ejif-3301	125	12	the	the	DET
ejif-3301	125	13	risk	risk	NOUN
ejif-3301	125	14	composition	composition	NOUN
ejif-3301	125	15	of	of	ADP
ejif-3301	125	16	its	its	PRON
ejif-3301	125	17	accepted	accept	VERB
ejif-3301	125	18	loans	loan	NOUN
ejif-3301	125	19	.	.	PUNCT
ejif-3301	126	1	this	this	PRON
ejif-3301	126	2	increases	increase	VERB
ejif-3301	126	3	its	its	PRON
ejif-3301	126	4	aggregate	aggregate	ADJ
ejif-3301	126	5	default	default	NOUN
ejif-3301	126	6	rates	rate	NOUN
ejif-3301	126	7	,	,	PUNCT
ejif-3301	126	8	lowering	lower	VERB
ejif-3301	126	9	its	its	PRON
ejif-3301	126	10	profitability	profitability	NOUN
ejif-3301	126	11	.	.	PUNCT
ejif-3301	127	1	in	in	ADP
ejif-3301	127	2	this	this	DET
ejif-3301	127	3	study	study	NOUN
ejif-3301	127	4	,	,	PUNCT
ejif-3301	127	5	we	we	PRON
ejif-3301	127	6	analyzed	analyze	VERB
ejif-3301	127	7	two	two	NUM
ejif-3301	127	8	islamic	islamic	ADJ
ejif-3301	127	9	financial	financial	ADJ
ejif-3301	127	10	contracts	contract	NOUN
ejif-3301	127	11	istisna	istisna	NOUN
ejif-3301	127	12	and	and	CCONJ
ejif-3301	127	13	murabaha	murabaha	VERB
ejif-3301	127	14	to	to	PART
ejif-3301	127	15	assess	assess	VERB
ejif-3301	127	16	the	the	DET
ejif-3301	127	17	impact	impact	NOUN
ejif-3301	127	18	of	of	ADP
ejif-3301	127	19	information	information	NOUN
ejif-3301	127	20	asymmetry	asymmetry	NOUN
ejif-3301	127	21	on	on	ADP
ejif-3301	127	22	borrowers	borrower	NOUN
ejif-3301	127	23	’	'	PUNCT
ejif-3301	127	24	performance	performance	NOUN
ejif-3301	127	25	.	.	PUNCT
ejif-3301	128	1	we	we	PRON
ejif-3301	128	2	employ	employ	VERB
ejif-3301	128	3	independent	independent	ADJ
ejif-3301	128	4	t	t	NOUN
ejif-3301	128	5	-	-	PUNCT
ejif-3301	128	6	test	test	NOUN
ejif-3301	128	7	as	as	ADV
ejif-3301	128	8	well	well	ADV
ejif-3301	128	9	as	as	ADP
ejif-3301	128	10	regression	regression	NOUN
ejif-3301	128	11	and	and	CCONJ
ejif-3301	128	12	co	co	NOUN
ejif-3301	128	13	-	-	NOUN
ejif-3301	128	14	relation	relation	NOUN
ejif-3301	128	15	to	to	PART
ejif-3301	128	16	assess	assess	VERB
ejif-3301	128	17	the	the	DET
ejif-3301	128	18	extent	extent	NOUN
ejif-3301	128	19	of	of	ADP
ejif-3301	128	20	information	information	NOUN
ejif-3301	128	21	asymmetry	asymmetry	NOUN
ejif-3301	128	22	affecting	affect	VERB
ejif-3301	128	23	their	their	PRON
ejif-3301	128	24	performance	performance	NOUN
ejif-3301	128	25	.	.	PUNCT
ejif-3301	129	1	we	we	PRON
ejif-3301	129	2	also	also	ADV
ejif-3301	129	3	did	do	VERB
ejif-3301	129	4	a	a	DET
ejif-3301	129	5	comparative	comparative	ADJ
ejif-3301	129	6	analysis	analysis	NOUN
ejif-3301	129	7	of	of	ADP
ejif-3301	129	8	these	these	DET
ejif-3301	129	9	two	two	NUM
ejif-3301	129	10	modes	mode	NOUN
ejif-3301	129	11	of	of	ADP
ejif-3301	129	12	financing	financing	NOUN
ejif-3301	129	13	.	.	PUNCT
ejif-3301	130	1	four	four	NUM
ejif-3301	130	2	variables	variable	NOUN
ejif-3301	130	3	were	be	AUX
ejif-3301	130	4	proposed	propose	VERB
ejif-3301	130	5	which	which	PRON
ejif-3301	130	6	can	can	AUX
ejif-3301	130	7	affect	affect	VERB
ejif-3301	130	8	the	the	DET
ejif-3301	130	9	islamic	islamic	ADJ
ejif-3301	130	10	banks	bank	NOUN
ejif-3301	130	11	financing	financing	NOUN
ejif-3301	130	12	contracts	contract	NOUN
ejif-3301	130	13	especially	especially	ADV
ejif-3301	130	14	in	in	ADP
ejif-3301	130	15	murabaha	murabaha	NOUN
ejif-3301	130	16	and	and	CCONJ
ejif-3301	130	17	istisna	istisna	NOUN
ejif-3301	130	18	in	in	ADP
ejif-3301	130	19	the	the	DET
ejif-3301	130	20	environment	environment	NOUN
ejif-3301	130	21	of	of	ADP
ejif-3301	130	22	asymmetry	asymmetry	NOUN
ejif-3301	130	23	information	information	NOUN
ejif-3301	130	24	.	.	PUNCT
ejif-3301	131	1	we	we	PRON
ejif-3301	131	2	investigated	investigate	VERB
ejif-3301	131	3	separately	separately	ADV
ejif-3301	131	4	for	for	ADP
ejif-3301	131	5	both	both	CCONJ
ejif-3301	131	6	islamic	islamic	ADJ
ejif-3301	131	7	financial	financial	ADJ
ejif-3301	131	8	contracts	contract	NOUN
ejif-3301	131	9	and	and	CCONJ
ejif-3301	131	10	their	their	PRON
ejif-3301	131	11	impact	impact	NOUN
ejif-3301	131	12	on	on	ADP
ejif-3301	131	13	asset	asset	NOUN
ejif-3301	131	14	and	and	CCONJ
ejif-3301	131	15	liabilities	liability	NOUN
ejif-3301	131	16	that	that	PRON
ejif-3301	131	17	can	can	AUX
ejif-3301	131	18	affect	affect	VERB
ejif-3301	131	19	any	any	DET
ejif-3301	131	20	firm	firm	NOUN
ejif-3301	131	21	or	or	CCONJ
ejif-3301	131	22	complete	complete	ADJ
ejif-3301	131	23	sector	sector	NOUN
ejif-3301	131	24	.	.	PUNCT
ejif-3301	132	1	this	this	PRON
ejif-3301	132	2	will	will	AUX
ejif-3301	132	3	help	help	VERB
ejif-3301	132	4	identify	identify	VERB
ejif-3301	132	5	the	the	DET
ejif-3301	132	6	main	main	ADJ
ejif-3301	132	7	reasons	reason	NOUN
ejif-3301	132	8	for	for	ADP
ejif-3301	132	9	moral	moral	ADJ
ejif-3301	132	10	hazard	hazard	NOUN
ejif-3301	132	11	and	and	CCONJ
ejif-3301	132	12	adverse	adverse	ADJ
ejif-3301	132	13	selection	selection	NOUN
ejif-3301	132	14	so	so	SCONJ
ejif-3301	132	15	that	that	SCONJ
ejif-3301	132	16	the	the	DET
ejif-3301	132	17	bank	bank	NOUN
ejif-3301	132	18	will	will	AUX
ejif-3301	132	19	select	select	VERB
ejif-3301	132	20	the	the	DET
ejif-3301	132	21	techniques	technique	NOUN
ejif-3301	132	22	to	to	PART
ejif-3301	132	23	reduce	reduce	VERB
ejif-3301	132	24	it	it	PRON
ejif-3301	132	25	.	.	PUNCT
ejif-3301	133	1	this	this	PRON
ejif-3301	133	2	would	would	AUX
ejif-3301	133	3	also	also	ADV
ejif-3301	133	4	help	help	VERB
ejif-3301	133	5	the	the	DET
ejif-3301	133	6	bank	bank	NOUN
ejif-3301	133	7	to	to	PART
ejif-3301	133	8	avoid	avoid	VERB
ejif-3301	133	9	the	the	DET
ejif-3301	133	10	impact	impact	NOUN
ejif-3301	133	11	of	of	ADP
ejif-3301	133	12	asymmetric	asymmetric	ADJ
ejif-3301	133	13	information	information	NOUN
ejif-3301	133	14	while	while	SCONJ
ejif-3301	133	15	using	use	VERB
ejif-3301	133	16	these	these	DET
ejif-3301	133	17	two	two	NUM
ejif-3301	133	18	products	product	NOUN
ejif-3301	133	19	.	.	PUNCT
ejif-3301	134	1	1.5	1.5	NUM
ejif-3301	134	2	research	research	NOUN
ejif-3301	134	3	question	question	NOUN
ejif-3301	134	4	particularly	particularly	ADV
ejif-3301	134	5	,	,	PUNCT
ejif-3301	134	6	the	the	DET
ejif-3301	134	7	discussion	discussion	NOUN
ejif-3301	134	8	in	in	ADP
ejif-3301	134	9	this	this	DET
ejif-3301	134	10	study	study	NOUN
ejif-3301	134	11	to	to	PART
ejif-3301	134	12	review	review	VERB
ejif-3301	134	13	the	the	DET
ejif-3301	134	14	following	follow	VERB
ejif-3301	134	15	questions	question	NOUN
ejif-3301	134	16	:	:	PUNCT
ejif-3301	134	17	1	1	X
ejif-3301	134	18	.	.	X
ejif-3301	135	1	how	how	SCONJ
ejif-3301	135	2	is	be	AUX
ejif-3301	135	3	the	the	DET
ejif-3301	135	4	business	business	NOUN
ejif-3301	135	5	concept	concept	NOUN
ejif-3301	135	6	of	of	ADP
ejif-3301	135	7	islam	islam	PROPN
ejif-3301	135	8	in	in	ADP
ejif-3301	135	9	the	the	DET
ejif-3301	135	10	system	system	NOUN
ejif-3301	135	11	of	of	ADP
ejif-3301	135	12	financing	financing	NOUN
ejif-3301	135	13	in	in	ADP
ejif-3301	135	14	islamic	islamic	ADJ
ejif-3301	135	15	banking	banking	NOUN
ejif-3301	135	16	helps	help	VERB
ejif-3301	135	17	to	to	PART
ejif-3301	135	18	tackle	tackle	VERB
ejif-3301	135	19	the	the	DET
ejif-3301	135	20	problem	problem	NOUN
ejif-3301	135	21	of	of	ADP
ejif-3301	135	22	information	information	NOUN
ejif-3301	135	23	asymmetry	asymmetry	NOUN
ejif-3301	135	24	.	.	PUNCT
ejif-3301	136	1	2	2	X
ejif-3301	136	2	.	.	PUNCT
ejif-3301	136	3	by	by	ADP
ejif-3301	136	4	tackling	tackle	VERB
ejif-3301	136	5	asymmetric	asymmetric	ADJ
ejif-3301	136	6	information	information	NOUN
ejif-3301	136	7	problem	problem	NOUN
ejif-3301	136	8	like	like	ADP
ejif-3301	136	9	moral	moral	ADJ
ejif-3301	136	10	hazards	hazard	NOUN
ejif-3301	136	11	and	and	CCONJ
ejif-3301	136	12	adverse	adverse	ADJ
ejif-3301	136	13	selection	selection	NOUN
ejif-3301	136	14	,	,	PUNCT
ejif-3301	136	15	how	how	SCONJ
ejif-3301	136	16	it	it	PRON
ejif-3301	136	17	affect	affect	VERB
ejif-3301	136	18	the	the	DET
ejif-3301	136	19	ex	ex	ADJ
ejif-3301	136	20	post	post	NOUN
ejif-3301	136	21	performance	performance	NOUN
ejif-3301	136	22	of	of	ADP
ejif-3301	136	23	the	the	DET
ejif-3301	136	24	borrowers	borrower	NOUN
ejif-3301	136	25	ii	ii	PROPN
ejif-3301	136	26	.	.	PUNCT
ejif-3301	137	1	literature	literature	PROPN
ejif-3301	137	2	review	review	VERB
ejif-3301	137	3	this	this	DET
ejif-3301	137	4	section	section	NOUN
ejif-3301	137	5	of	of	ADP
ejif-3301	137	6	study	study	NOUN
ejif-3301	137	7	examines	examine	VERB
ejif-3301	137	8	the	the	DET
ejif-3301	137	9	previous	previous	ADJ
ejif-3301	137	10	studies	study	NOUN
ejif-3301	137	11	,	,	PUNCT
ejif-3301	137	12	concepts	concept	NOUN
ejif-3301	137	13	,	,	PUNCT
ejif-3301	137	14	methodologies	methodology	NOUN
ejif-3301	137	15	from	from	ADP
ejif-3301	137	16	other	other	ADJ
ejif-3301	137	17	researchers	researcher	NOUN
ejif-3301	137	18	.	.	PUNCT
ejif-3301	138	1	most	most	ADJ
ejif-3301	138	2	of	of	ADP
ejif-3301	138	3	the	the	DET
ejif-3301	138	4	studies	study	NOUN
ejif-3301	138	5	have	have	AUX
ejif-3301	138	6	done	do	VERB
ejif-3301	138	7	on	on	ADP
ejif-3301	138	8	conventional	conventional	ADJ
ejif-3301	138	9	sector	sector	NOUN
ejif-3301	138	10	to	to	PART
ejif-3301	138	11	analyses	analyse	VERB
ejif-3301	138	12	the	the	DET
ejif-3301	138	13	relationship	relationship	NOUN
ejif-3301	138	14	between	between	ADP
ejif-3301	138	15	the	the	DET
ejif-3301	138	16	asymmetric	asymmetric	ADJ
ejif-3301	138	17	information	information	NOUN
ejif-3301	138	18	and	and	CCONJ
ejif-3301	138	19	companies	company	NOUN
ejif-3301	138	20	financing	financing	NOUN
ejif-3301	138	21	and	and	CCONJ
ejif-3301	138	22	investment	investment	NOUN
ejif-3301	138	23	decisions	decision	NOUN
ejif-3301	138	24	.	.	PUNCT
ejif-3301	139	1	both	both	PRON
ejif-3301	139	2	in	in	ADP
ejif-3301	139	3	conventional	conventional	ADJ
ejif-3301	139	4	and	and	CCONJ
ejif-3301	139	5	islamic	islamic	ADJ
ejif-3301	139	6	financing	financing	NOUN
ejif-3301	139	7	and	and	CCONJ
ejif-3301	139	8	investment	investment	NOUN
ejif-3301	139	9	tools	tool	NOUN
ejif-3301	139	10	.	.	PUNCT
ejif-3301	140	1	(	(	PUNCT
ejif-3301	140	2	yousfi	yousfi	ADJ
ejif-3301	140	3	,	,	PUNCT
ejif-3301	140	4	2013	2013	NUM
ejif-3301	140	5	)	)	PUNCT
ejif-3301	140	6	(	(	PUNCT
ejif-3301	140	7	yousfi	yousfi	ADJ
ejif-3301	140	8	,	,	PUNCT
ejif-3301	140	9	asymmetric	asymmetric	ADJ
ejif-3301	140	10	information	information	NOUN
ejif-3301	140	11	and	and	CCONJ
ejif-3301	140	12	islamic	islamic	ADJ
ejif-3301	140	13	financial	financial	ADJ
ejif-3301	140	14	contracts	contract	NOUN
ejif-3301	140	15	,	,	PUNCT
ejif-3301	140	16	2018	2018	NUM
ejif-3301	140	17	)	)	PUNCT
ejif-3301	140	18	showed	show	VERB
ejif-3301	140	19	that	that	SCONJ
ejif-3301	140	20	mudarabah	mudarabah	NOUN
ejif-3301	140	21	enables	enable	VERB
ejif-3301	140	22	to	to	PART
ejif-3301	140	23	mitigate	mitigate	VERB
ejif-3301	140	24	the	the	DET
ejif-3301	140	25	moral	moral	ADJ
ejif-3301	140	26	hazard	hazard	NOUN
ejif-3301	140	27	problem	problem	NOUN
ejif-3301	140	28	and	and	CCONJ
ejif-3301	140	29	lead	lead	VERB
ejif-3301	140	30	the	the	DET
ejif-3301	140	31	entrepreneur	entrepreneur	NOUN
ejif-3301	140	32	to	to	PART
ejif-3301	140	33	provide	provide	VERB
ejif-3301	140	34	the	the	DET
ejif-3301	140	35	first	first	ADJ
ejif-3301	140	36	best	good	ADJ
ejif-3301	140	37	levels	level	NOUN
ejif-3301	140	38	of	of	ADP
ejif-3301	140	39	effort	effort	NOUN
ejif-3301	140	40	.	.	PUNCT
ejif-3301	141	1	these	these	DET
ejif-3301	141	2	efforts	effort	NOUN
ejif-3301	141	3	depend	depend	VERB
ejif-3301	141	4	on	on	ADP
ejif-3301	141	5	the	the	DET
ejif-3301	141	6	level	level	NOUN
ejif-3301	141	7	of	of	ADP
ejif-3301	141	8	risk	risk	NOUN
ejif-3301	141	9	of	of	ADP
ejif-3301	141	10	the	the	DET
ejif-3301	141	11	project	project	NOUN
ejif-3301	141	12	.	.	PUNCT
ejif-3301	142	1	first	first	ADV
ejif-3301	142	2	,	,	PUNCT
ejif-3301	142	3	the	the	DET
ejif-3301	142	4	profit	profit	NOUN
ejif-3301	142	5	share	share	NOUN
ejif-3301	142	6	of	of	ADP
ejif-3301	142	7	the	the	DET
ejif-3301	142	8	entrepreneur	entrepreneur	NOUN
ejif-3301	142	9	depends	depend	VERB
ejif-3301	142	10	closely	closely	ADV
ejif-3301	142	11	on	on	ADP
ejif-3301	142	12	the	the	DET
ejif-3301	142	13	level	level	NOUN
ejif-3301	142	14	of	of	ADP
ejif-3301	142	15	risk	risk	NOUN
ejif-3301	142	16	of	of	ADP
ejif-3301	142	17	the	the	DET
ejif-3301	142	18	project	project	NOUN
ejif-3301	142	19	.	.	PUNCT
ejif-3301	143	1	second	second	ADJ
ejif-3301	143	2	,	,	PUNCT
ejif-3301	143	3	the	the	DET
ejif-3301	143	4	threat	threat	NOUN
ejif-3301	143	5	to	to	PART
ejif-3301	143	6	have	have	AUX
ejif-3301	143	7	no	no	DET
ejif-3301	143	8	payment	payment	NOUN
ejif-3301	143	9	in	in	ADP
ejif-3301	143	10	case	case	NOUN
ejif-3301	143	11	of	of	ADP
ejif-3301	143	12	failure	failure	NOUN
ejif-3301	143	13	increases	increase	VERB
ejif-3301	143	14	the	the	DET
ejif-3301	143	15	entrepreneur	entrepreneur	NOUN
ejif-3301	143	16	's	's	PART
ejif-3301	143	17	incentives	incentive	NOUN
ejif-3301	143	18	.	.	PUNCT
ejif-3301	144	1	on	on	ADP
ejif-3301	144	2	the	the	DET
ejif-3301	144	3	contrary	contrary	NOUN
ejif-3301	144	4	,	,	PUNCT
ejif-3301	144	5	musharakah	musharakah	PROPN
ejif-3301	144	6	does	do	AUX
ejif-3301	144	7	not	not	PART
ejif-3301	144	8	solve	solve	VERB
ejif-3301	144	9	the	the	DET
ejif-3301	144	10	moral	moral	ADJ
ejif-3301	144	11	hazard	hazard	NOUN
ejif-3301	144	12	problem	problem	NOUN
ejif-3301	144	13	.	.	PUNCT
ejif-3301	145	1	one	one	NUM
ejif-3301	145	2	explanation	explanation	NOUN
ejif-3301	145	3	could	could	AUX
ejif-3301	145	4	be	be	AUX
ejif-3301	145	5	the	the	DET
ejif-3301	145	6	fact	fact	NOUN
ejif-3301	145	7	that	that	SCONJ
ejif-3301	145	8	the	the	DET
ejif-3301	145	9	two	two	NUM
ejif-3301	145	10	parties	party	NOUN
ejif-3301	145	11	jointly	jointly	ADV
ejif-3301	145	12	fund	fund	VERB
ejif-3301	145	13	the	the	DET
ejif-3301	145	14	project	project	NOUN
ejif-3301	145	15	and	and	CCONJ
ejif-3301	145	16	that	that	SCONJ
ejif-3301	145	17	both	both	PRON
ejif-3301	145	18	of	of	ADP
ejif-3301	145	19	them	they	PRON
ejif-3301	145	20	provide	provide	VERB
ejif-3301	145	21	non	non	ADJ
ejif-3301	145	22	-	-	ADJ
ejif-3301	145	23	contractible	contractible	ADJ
ejif-3301	145	24	efforts	effort	NOUN
ejif-3301	145	25	which	which	PRON
ejif-3301	145	26	diminish	diminish	VERB
ejif-3301	145	27	their	their	PRON
ejif-3301	145	28	incentives	incentive	NOUN
ejif-3301	145	29	.	.	PUNCT
ejif-3301	146	1	shatha	shatha	NOUN
ejif-3301	146	2	(	(	PUNCT
ejif-3301	146	3	2014	2014	NUM
ejif-3301	146	4	)	)	PUNCT
ejif-3301	146	5	(	(	PUNCT
ejif-3301	146	6	shatha	shatha	NOUN
ejif-3301	146	7	,	,	PUNCT
ejif-3301	146	8	2014	2014	NUM
ejif-3301	146	9	)	)	PUNCT
ejif-3301	146	10	concluded	conclude	VERB
ejif-3301	146	11	that	that	SCONJ
ejif-3301	146	12	,	,	PUNCT
ejif-3301	146	13	the	the	DET
ejif-3301	146	14	majority	majority	NOUN
ejif-3301	146	15	of	of	ADP
ejif-3301	146	16	the	the	DET
ejif-3301	146	17	islamic	islamic	ADJ
ejif-3301	146	18	investments	investment	NOUN
ejif-3301	146	19	attributed	attribute	VERB
ejif-3301	146	20	to	to	ADP
ejif-3301	146	21	murabaha	murabaha	NOUN
ejif-3301	146	22	and	and	CCONJ
ejif-3301	146	23	ignores	ignore	VERB
ejif-3301	146	24	the	the	DET
ejif-3301	146	25	other	other	ADJ
ejif-3301	146	26	islamic	islamic	ADJ
ejif-3301	146	27	investment	investment	NOUN
ejif-3301	146	28	"	"	PUNCT
ejif-3301	146	29	istisna	istisna	NOUN
ejif-3301	146	30	"	"	PUNCT
ejif-3301	146	31	.	.	PUNCT
ejif-3301	147	1	islamic	islamic	ADJ
ejif-3301	147	2	banks	bank	NOUN
ejif-3301	147	3	working	work	VERB
ejif-3301	147	4	in	in	ADP
ejif-3301	147	5	jordan	jordan	PROPN
ejif-3301	147	6	,	,	PUNCT
ejif-3301	147	7	the	the	DET
ejif-3301	147	8	majority	majority	NOUN
ejif-3301	147	9	of	of	ADP
ejif-3301	147	10	the	the	DET
ejif-3301	147	11	islamic	islamic	ADJ
ejif-3301	147	12	investments	investment	NOUN
ejif-3301	147	13	attributed	attribute	VERB
ejif-3301	147	14	to	to	ADP
ejif-3301	147	15	murabaha	murabaha	NOUN
ejif-3301	147	16	and	and	CCONJ
ejif-3301	147	17	,	,	PUNCT
ejif-3301	147	18	istesna’a	istesna’a	NOUN
ejif-3301	147	19	percentage	percentage	NOUN
ejif-3301	147	20	are	be	AUX
ejif-3301	147	21	very	very	ADV
ejif-3301	147	22	low	low	ADJ
ejif-3301	147	23	,	,	PUNCT
ejif-3301	147	24	less	less	ADJ
ejif-3301	147	25	than	than	ADP
ejif-3301	147	26	3	3	NUM
ejif-3301	147	27	%	%	NOUN
ejif-3301	147	28	.	.	PUNCT
ejif-3301	148	1	although	although	SCONJ
ejif-3301	148	2	comparisons	comparison	NOUN
ejif-3301	148	3	is	be	AUX
ejif-3301	148	4	being	be	AUX
ejif-3301	148	5	done	do	VERB
ejif-3301	148	6	between	between	ADP
ejif-3301	148	7	the	the	DET
ejif-3301	148	8	both	both	DET
ejif-3301	148	9	type	type	NOUN
ejif-3301	148	10	of	of	ADP
ejif-3301	148	11	contracts	contract	NOUN
ejif-3301	148	12	which	which	PRON
ejif-3301	148	13	highlight	highlight	VERB
ejif-3301	148	14	that	that	SCONJ
ejif-3301	148	15	the	the	DET
ejif-3301	148	16	profit	profit	NOUN
ejif-3301	148	17	and	and	CCONJ
ejif-3301	148	18	loss	loss	NOUN
ejif-3301	148	19	-	-	PUNCT
ejif-3301	148	20	sharing	share	VERB
ejif-3301	148	21	contracts	contract	NOUN
ejif-3301	148	22	are	be	AUX
ejif-3301	148	23	supposed	suppose	VERB
ejif-3301	148	24	to	to	PART
ejif-3301	148	25	be	be	AUX
ejif-3301	148	26	vulnerable	vulnerable	ADJ
ejif-3301	148	27	to	to	ADP
ejif-3301	148	28	any	any	DET
ejif-3301	148	29	kind	kind	NOUN
ejif-3301	148	30	of	of	ADP
ejif-3301	148	31	asymmetric	asymmetric	ADJ
ejif-3301	148	32	information	information	NOUN
ejif-3301	148	33	problems	problem	NOUN
ejif-3301	148	34	,	,	PUNCT
ejif-3301	148	35	as	as	SCONJ
ejif-3301	148	36	the	the	DET
ejif-3301	148	37	financier	financier	NOUN
ejif-3301	148	38	faces	face	VERB
ejif-3301	148	39	stronger	strong	ADJ
ejif-3301	148	40	incentives	incentive	NOUN
ejif-3301	148	41	to	to	PART
ejif-3301	148	42	closely	closely	ADV
ejif-3301	148	43	monitor	monitor	VERB
ejif-3301	148	44	his	his	PRON
ejif-3301	148	45	clients	client	NOUN
ejif-3301	148	46	than	than	SCONJ
ejif-3301	148	47	he	he	PRON
ejif-3301	148	48	would	would	AUX
ejif-3301	148	49	face	face	VERB
ejif-3301	148	50	in	in	ADP
ejif-3301	148	51	a	a	DET
ejif-3301	148	52	debt	debt	NOUN
ejif-3301	148	53	like	like	ADP
ejif-3301	148	54	contract	contract	NOUN
ejif-3301	148	55	.	.	PUNCT
ejif-3301	149	1	aggarwal	aggarwal	NOUN
ejif-3301	149	2	,	,	PUNCT
ejif-3301	149	3	r.k	r.k	PROPN
ejif-3301	149	4	.	.	PROPN
ejif-3301	149	5	and	and	CCONJ
ejif-3301	149	6	t.	t.	PROPN
ejif-3301	149	7	yousef	yousef	PROPN
ejif-3301	149	8	(	(	PUNCT
ejif-3301	149	9	2000	2000	NUM
ejif-3301	149	10	)	)	PUNCT
ejif-3301	149	11	(	(	PUNCT
ejif-3301	149	12	aggarwal	aggarwal	NOUN
ejif-3301	149	13	,	,	PUNCT
ejif-3301	149	14	2000	2000	NUM
ejif-3301	149	15	)	)	PUNCT
ejif-3301	149	16	studied	study	VERB
ejif-3301	149	17	the	the	DET
ejif-3301	149	18	set	set	NOUN
ejif-3301	149	19	of	of	ADP
ejif-3301	149	20	instruments	instrument	NOUN
ejif-3301	149	21	used	use	VERB
ejif-3301	149	22	by	by	ADP
ejif-3301	149	23	islamic	islamic	ADJ
ejif-3301	149	24	banks	bank	NOUN
ejif-3301	149	25	to	to	PART
ejif-3301	149	26	finance	finance	VERB
ejif-3301	149	27	projects	project	NOUN
ejif-3301	149	28	in	in	ADP
ejif-3301	149	29	muslim	muslim	ADJ
ejif-3301	149	30	countries	country	NOUN
ejif-3301	149	31	given	give	VERB
ejif-3301	149	32	that	that	SCONJ
ejif-3301	149	33	islamic	islamic	PROPN
ejif-3301	149	34	law	law	NOUN
ejif-3301	149	35	prohibits	prohibit	VERB
ejif-3301	149	36	the	the	DET
ejif-3301	149	37	charging	charging	NOUN
ejif-3301	149	38	of	of	ADP
ejif-3301	149	39	interest	interest	NOUN
ejif-3301	149	40	.	.	PUNCT
ejif-3301	150	1	the	the	DET
ejif-3301	150	2	evidence	evidence	NOUN
ejif-3301	150	3	indicates	indicate	VERB
ejif-3301	150	4	that	that	SCONJ
ejif-3301	150	5	the	the	DET
ejif-3301	150	6	bulk	bulk	NOUN
ejif-3301	150	7	of	of	ADP
ejif-3301	150	8	the	the	DET
ejif-3301	150	9	financing	financing	NOUN
ejif-3301	150	10	operations	operation	NOUN
ejif-3301	150	11	of	of	ADP
ejif-3301	150	12	islamic	islamic	ADJ
ejif-3301	150	13	banks	bank	NOUN
ejif-3301	150	14	do	do	AUX
ejif-3301	150	15	not	not	PART
ejif-3301	150	16	conform	conform	VERB
ejif-3301	150	17	to	to	ADP
ejif-3301	150	18	the	the	DET
ejif-3301	150	19	principle	principle	NOUN
ejif-3301	150	20	of	of	ADP
ejif-3301	150	21	profitand	profitand	NOUN
ejif-3301	150	22	-	-	PUNCT
ejif-3301	150	23	loss	loss	NOUN
ejif-3301	150	24	sharing	sharing	NOUN
ejif-3301	150	25	(	(	PUNCT
ejif-3301	150	26	e.g.	e.g.	ADV
ejif-3301	150	27	,	,	PUNCT
ejif-3301	150	28	equity	equity	NOUN
ejif-3301	150	29	contracts	contract	NOUN
ejif-3301	150	30	)	)	PUNCT
ejif-3301	150	31	.	.	PUNCT
ejif-3301	151	1	instead	instead	ADV
ejif-3301	151	2	,	,	PUNCT
ejif-3301	151	3	most	most	ADJ
ejif-3301	151	4	of	of	ADP
ejif-3301	151	5	the	the	DET
ejif-3301	151	6	financing	financing	NOUN
ejif-3301	151	7	is	be	AUX
ejif-3301	151	8	based	base	VERB
ejif-3301	151	9	on	on	ADP
ejif-3301	151	10	the	the	DET
ejif-3301	151	11	markup	markup	ADJ
ejif-3301	151	12	principle	principle	NOUN
ejif-3301	151	13	,	,	PUNCT
ejif-3301	151	14	and	and	CCONJ
ejif-3301	151	15	is	be	AUX
ejif-3301	151	16	very	very	ADV
ejif-3301	151	17	debt	debt	NOUN
ejif-3301	151	18	-	-	PUNCT
ejif-3301	151	19	like	like	ADJ
ejif-3301	151	20	in	in	ADP
ejif-3301	151	21	nature	nature	NOUN
ejif-3301	151	22	.	.	PUNCT
ejif-3301	152	1	they	they	PRON
ejif-3301	152	2	also	also	ADV
ejif-3301	152	3	imply	imply	VERB
ejif-3301	152	4	that	that	SCONJ
ejif-3301	152	5	economies	economy	NOUN
ejif-3301	152	6	characterized	characterize	VERB
ejif-3301	152	7	by	by	ADP
ejif-3301	152	8	adverse	adverse	ADJ
ejif-3301	152	9	selection	selection	NOUN
ejif-3301	152	10	and	and	CCONJ
ejif-3301	152	11	mora	mora	PROPN
ejif-3301	152	12	hazard	hazard	NOUN
ejif-3301	152	13	will	will	AUX
ejif-3301	152	14	be	be	AUX
ejif-3301	152	15	biased	bias	VERB
ejif-3301	152	16	towards	towards	ADP
ejif-3301	152	17	debt	debt	NOUN
ejif-3301	152	18	financing	financing	NOUN
ejif-3301	152	19	.	.	PUNCT
ejif-3301	153	1	abdul	abdul	PROPN
ejif-3301	153	2	-	-	PUNCT
ejif-3301	153	3	majid	majid	PROPN
ejif-3301	153	4	,	,	PUNCT
ejif-3301	153	5	m.	m.	NOUN
ejif-3301	153	6	;	;	PUNCT
ejif-3301	153	7	saal	saal	PROPN
ejif-3301	153	8	,	,	PUNCT
ejif-3301	153	9	d.	d.	PROPN
ejif-3301	153	10	;	;	PUNCT
ejif-3301	153	11	battisti	battisti	PROPN
ejif-3301	153	12	(	(	PUNCT
ejif-3301	153	13	2010	2010	NUM
ejif-3301	153	14	)	)	PUNCT
ejif-3301	153	15	(	(	PUNCT
ejif-3301	153	16	abdulmajid	abdulmajid	INTJ
ejif-3301	153	17	,	,	PUNCT
ejif-3301	153	18	2010	2010	NUM
ejif-3301	153	19	)	)	PUNCT
ejif-3301	153	20	investigated	investigate	VERB
ejif-3301	153	21	the	the	DET
ejif-3301	153	22	efficiency	efficiency	NOUN
ejif-3301	153	23	of	of	ADP
ejif-3301	153	24	islamic	islamic	ADJ
ejif-3301	153	25	and	and	CCONJ
ejif-3301	153	26	conventional	conventional	ADJ
ejif-3301	153	27	banks	bank	NOUN
ejif-3301	153	28	in	in	ADP
ejif-3301	153	29	10	10	NUM
ejif-3301	153	30	countries	country	NOUN
ejif-3301	153	31	that	that	PRON
ejif-3301	153	32	operate	operate	VERB
ejif-3301	153	33	islamic	islamic	ADJ
ejif-3301	153	34	banking	banking	NOUN
ejif-3301	153	35	for	for	ADP
ejif-3301	153	36	the	the	DET
ejif-3301	153	37	period	period	NOUN
ejif-3301	153	38	1996–2002	1996–2002	NUM
ejif-3301	153	39	.	.	PUNCT
ejif-3301	154	1	they	they	PRON
ejif-3301	154	2	found	find	VERB
ejif-3301	154	3	that	that	SCONJ
ejif-3301	154	4	islamic	islamic	ADJ
ejif-3301	154	5	banking	banking	NOUN
ejif-3301	154	6	appears	appear	VERB
ejif-3301	154	7	to	to	PART
ejif-3301	154	8	be	be	AUX
ejif-3301	154	9	associated	associate	VERB
ejif-3301	154	10	with	with	ADP
ejif-3301	154	11	higher	high	ADJ
ejif-3301	154	12	input	input	NOUN
ejif-3301	154	13	usage	usage	NOUN
ejif-3301	154	14	.	.	PUNCT
ejif-3301	155	1	they	they	PRON
ejif-3301	155	2	also	also	ADV
ejif-3301	155	3	found	find	VERB
ejif-3301	155	4	that	that	SCONJ
ejif-3301	155	5	islamic	islamic	ADJ
ejif-3301	155	6	banks	bank	NOUN
ejif-3301	155	7	are	be	AUX
ejif-3301	155	8	found	find	VERB
ejif-3301	155	9	to	to	PART
ejif-3301	155	10	have	have	VERB
ejif-3301	155	11	moderately	moderately	ADV
ejif-3301	155	12	higher	high	ADJ
ejif-3301	155	13	returns	return	NOUN
ejif-3301	155	14	to	to	PART
ejif-3301	155	15	scale	scale	VERB
ejif-3301	155	16	than	than	ADP
ejif-3301	155	17	conventional	conventional	ADJ
ejif-3301	155	18	banks	bank	NOUN
ejif-3301	155	19	.	.	PUNCT
ejif-3301	156	1	beck	beck	PROPN
ejif-3301	156	2	et	et	PROPN
ejif-3301	156	3	.	.	PUNCT
ejif-3301	157	1	al	al	PROPN
ejif-3301	157	2	.	.	PROPN
ejif-3301	158	1	(	(	PUNCT
ejif-3301	158	2	2010	2010	NUM
ejif-3301	158	3	)	)	PUNCT
ejif-3301	158	4	(	(	PUNCT
ejif-3301	158	5	beck	beck	NOUN
ejif-3301	158	6	,	,	PUNCT
ejif-3301	158	7	2010	2010	NUM
ejif-3301	158	8	)	)	PUNCT
ejif-3301	158	9	showed	show	VERB
ejif-3301	158	10	that	that	SCONJ
ejif-3301	158	11	many	many	ADJ
ejif-3301	158	12	of	of	ADP
ejif-3301	158	13	the	the	DET
ejif-3301	158	14	conventional	conventional	ADJ
ejif-3301	158	15	products	product	NOUN
ejif-3301	158	16	can	can	AUX
ejif-3301	158	17	be	be	AUX
ejif-3301	158	18	redrafted	redrafte	VERB
ejif-3301	158	19	as	as	ADP
ejif-3301	158	20	shariacompliant	shariacompliant	ADJ
ejif-3301	158	21	products	product	NOUN
ejif-3301	158	22	,	,	PUNCT
ejif-3301	158	23	so	so	SCONJ
ejif-3301	158	24	that	that	SCONJ
ejif-3301	158	25	the	the	DET
ejif-3301	158	26	differences	difference	NOUN
ejif-3301	158	27	are	be	AUX
ejif-3301	158	28	smaller	small	ADJ
ejif-3301	158	29	than	than	SCONJ
ejif-3301	158	30	expected	expect	VERB
ejif-3301	158	31	.	.	PUNCT
ejif-3301	159	1	while	while	SCONJ
ejif-3301	159	2	islamic	islamic	ADJ
ejif-3301	159	3	banks	bank	NOUN
ejif-3301	159	4	seem	seem	VERB
ejif-3301	159	5	more	more	ADJ
ejif-3301	159	6	cost	cost	NOUN
ejif-3301	159	7	-	-	PUNCT
ejif-3301	159	8	effective	effective	ADJ
ejif-3301	159	9	than	than	ADP
ejif-3301	159	10	conventional	conventional	ADJ
ejif-3301	159	11	banks	bank	NOUN
ejif-3301	159	12	in	in	ADP
ejif-3301	159	13	a	a	DET
ejif-3301	159	14	broad	broad	ADJ
ejif-3301	159	15	cross	cross	ADJ
ejif-3301	159	16	-	-	ADJ
ejif-3301	159	17	country	country	ADJ
ejif-3301	159	18	sample	sample	NOUN
ejif-3301	159	19	,	,	PUNCT
ejif-3301	159	20	however	however	ADV
ejif-3301	159	21	,	,	PUNCT
ejif-3301	159	22	conventional	conventional	ADJ
ejif-3301	159	23	banks	bank	NOUN
ejif-3301	159	24	that	that	PRON
ejif-3301	159	25	operate	operate	VERB
ejif-3301	159	26	in	in	ADP
ejif-3301	159	27	countries	country	NOUN
ejif-3301	159	28	with	with	ADP
ejif-3301	159	29	a	a	DET
ejif-3301	159	30	higher	high	ADJ
ejif-3301	159	31	market	market	NOUN
ejif-3301	159	32	share	share	NOUN
ejif-3301	159	33	of	of	ADP
ejif-3301	159	34	islamic	islamic	ADJ
ejif-3301	159	35	banks	bank	NOUN
ejif-3301	159	36	are	be	AUX
ejif-3301	159	37	more	more	ADV
ejif-3301	159	38	costeffective	costeffective	ADJ
ejif-3301	159	39	but	but	CCONJ
ejif-3301	159	40	less	less	ADV
ejif-3301	159	41	stable	stable	ADJ
ejif-3301	159	42	.	.	PUNCT
ejif-3301	160	1	there	there	PRON
ejif-3301	160	2	is	be	VERB
ejif-3301	160	3	also	also	ADV
ejif-3301	160	4	consistent	consistent	ADJ
ejif-3301	160	5	evidence	evidence	NOUN
ejif-3301	160	6	of	of	ADP
ejif-3301	160	7	higher	high	ADJ
ejif-3301	160	8	capitalization	capitalization	NOUN
ejif-3301	160	9	of	of	ADP
ejif-3301	160	10	islamic	islamic	ADJ
ejif-3301	160	11	banks	bank	NOUN
ejif-3301	160	12	and	and	CCONJ
ejif-3301	160	13	this	this	DET
ejif-3301	160	14	capital	capital	NOUN
ejif-3301	160	15	cushion	cushion	NOUN
ejif-3301	160	16	plus	plus	CCONJ
ejif-3301	160	17	higher	high	ADJ
ejif-3301	160	18	liquidity	liquidity	NOUN
ejif-3301	160	19	reserves	reserve	NOUN
ejif-3301	160	20	explained	explain	VERB
ejif-3301	160	21	the	the	DET
ejif-3301	160	22	ejif	ejif	PROPN
ejif-3301	160	23	–	–	PUNCT
ejif-3301	160	24	european	european	PROPN
ejif-3301	160	25	journal	journal	PROPN
ejif-3301	160	26	of	of	ADP
ejif-3301	160	27	islamic	islamic	PROPN
ejif-3301	160	28	finance	finance	PROPN
ejif-3301	160	29	no	no	DET
ejif-3301	160	30	14	14	NUM
ejif-3301	160	31	,	,	PUNCT
ejif-3301	160	32	december	december	PROPN
ejif-3301	160	33	(	(	PUNCT
ejif-3301	160	34	2019	2019	NUM
ejif-3301	160	35	)	)	PUNCT
ejif-3301	161	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	161	2	issn	issn	VERB
ejif-3301	161	3	2421	2421	NUM
ejif-3301	161	4	-	-	SYM
ejif-3301	161	5	2172	2172	NUM
ejif-3301	161	6	6	6	NUM
ejif-3301	161	7	relatively	relatively	ADV
ejif-3301	161	8	better	well	ADJ
ejif-3301	161	9	performance	performance	NOUN
ejif-3301	161	10	of	of	ADP
ejif-3301	161	11	islamic	islamic	ADJ
ejif-3301	161	12	banks	bank	NOUN
ejif-3301	161	13	during	during	ADP
ejif-3301	161	14	the	the	DET
ejif-3301	161	15	recent	recent	ADJ
ejif-3301	161	16	crisis	crisis	NOUN
ejif-3301	161	17	.	.	PUNCT
ejif-3301	162	1	kablan	kablan	NOUN
ejif-3301	162	2	and	and	CCONJ
ejif-3301	162	3	yousfi	yousfi	ADJ
ejif-3301	162	4	(	(	PUNCT
ejif-3301	162	5	2012	2012	NUM
ejif-3301	162	6	)	)	PUNCT
ejif-3301	162	7	(	(	PUNCT
ejif-3301	162	8	o.yousfi	o.yousfi	ADV
ejif-3301	162	9	,	,	PUNCT
ejif-3301	162	10	2012	2012	NUM
ejif-3301	162	11	)	)	PUNCT
ejif-3301	162	12	analyzed	analyze	VERB
ejif-3301	162	13	islamic	islamic	ADJ
ejif-3301	162	14	banks	bank	NOUN
ejif-3301	162	15	efficiency	efficiency	NOUN
ejif-3301	162	16	over	over	ADP
ejif-3301	162	17	the	the	DET
ejif-3301	162	18	period	period	NOUN
ejif-3301	162	19	2001	2001	NUM
ejif-3301	162	20	-	-	SYM
ejif-3301	162	21	2008	2008	NUM
ejif-3301	162	22	.	.	PUNCT
ejif-3301	163	1	they	they	PRON
ejif-3301	163	2	found	find	VERB
ejif-3301	163	3	that	that	SCONJ
ejif-3301	163	4	they	they	PRON
ejif-3301	163	5	were	be	AUX
ejif-3301	163	6	efficient	efficient	ADJ
ejif-3301	163	7	at	at	ADP
ejif-3301	163	8	78.9	78.9	NUM
ejif-3301	163	9	%	%	NOUN
ejif-3301	163	10	.	.	PUNCT
ejif-3301	164	1	the	the	DET
ejif-3301	164	2	level	level	NOUN
ejif-3301	164	3	of	of	ADP
ejif-3301	164	4	efficiency	efficiency	NOUN
ejif-3301	164	5	could	could	AUX
ejif-3301	164	6	however	however	ADV
ejif-3301	164	7	vary	vary	VERB
ejif-3301	164	8	according	accord	VERB
ejif-3301	164	9	to	to	ADP
ejif-3301	164	10	regions	region	NOUN
ejif-3301	164	11	.	.	PUNCT
ejif-3301	165	1	asia	asia	PROPN
ejif-3301	165	2	displays	display	VERB
ejif-3301	165	3	the	the	DET
ejif-3301	165	4	highest	high	ADJ
ejif-3301	165	5	score	score	NOUN
ejif-3301	165	6	with	with	ADP
ejif-3301	165	7	84.64	84.64	NUM
ejif-3301	165	8	%	%	NOUN
ejif-3301	165	9	.	.	PUNCT
ejif-3301	166	1	country	country	NOUN
ejif-3301	166	2	like	like	ADP
ejif-3301	166	3	malaysia	malaysia	PROPN
ejif-3301	166	4	and	and	CCONJ
ejif-3301	166	5	pakistan	pakistan	PROPN
ejif-3301	166	6	implemented	implement	VERB
ejif-3301	166	7	reforms	reform	NOUN
ejif-3301	166	8	in	in	ADP
ejif-3301	166	9	order	order	NOUN
ejif-3301	166	10	to	to	PART
ejif-3301	166	11	allow	allow	VERB
ejif-3301	166	12	islamic	islamic	ADJ
ejif-3301	166	13	banks	bank	NOUN
ejif-3301	166	14	to	to	PART
ejif-3301	166	15	better	well	ADV
ejif-3301	166	16	cope	cope	VERB
ejif-3301	166	17	with	with	ADP
ejif-3301	166	18	the	the	DET
ejif-3301	166	19	existing	exist	VERB
ejif-3301	166	20	financial	financial	ADJ
ejif-3301	166	21	system	system	NOUN
ejif-3301	166	22	.	.	PUNCT
ejif-3301	167	1	they	they	PRON
ejif-3301	167	2	also	also	ADV
ejif-3301	167	3	found	find	VERB
ejif-3301	167	4	that	that	SCONJ
ejif-3301	167	5	market	market	NOUN
ejif-3301	167	6	power	power	NOUN
ejif-3301	167	7	and	and	CCONJ
ejif-3301	167	8	profitability	profitability	NOUN
ejif-3301	167	9	have	have	VERB
ejif-3301	167	10	negative	negative	ADJ
ejif-3301	167	11	impact	impact	NOUN
ejif-3301	167	12	on	on	ADP
ejif-3301	167	13	islamic	islamic	ADJ
ejif-3301	167	14	banks	bank	NOUN
ejif-3301	167	15	efficiency	efficiency	NOUN
ejif-3301	167	16	.	.	PUNCT
ejif-3301	168	1	concentration	concentration	NOUN
ejif-3301	168	2	leads	lead	VERB
ejif-3301	168	3	to	to	ADP
ejif-3301	168	4	higher	high	ADJ
ejif-3301	168	5	costs	cost	NOUN
ejif-3301	168	6	through	through	ADP
ejif-3301	168	7	slacks	slack	NOUN
ejif-3301	168	8	and	and	CCONJ
ejif-3301	168	9	inefficiency	inefficiency	NOUN
ejif-3301	168	10	.	.	PUNCT
ejif-3301	169	1	again	again	ADV
ejif-3301	169	2	other	other	ADJ
ejif-3301	169	3	results	result	NOUN
ejif-3301	169	4	from	from	ADP
ejif-3301	169	5	robustness	robustness	NOUN
ejif-3301	169	6	checks	check	NOUN
ejif-3301	169	7	appear	appear	VERB
ejif-3301	169	8	to	to	PART
ejif-3301	169	9	stress	stress	VERB
ejif-3301	169	10	the	the	DET
ejif-3301	169	11	specificity	specificity	NOUN
ejif-3301	169	12	of	of	ADP
ejif-3301	169	13	islamic	islamic	ADJ
ejif-3301	169	14	banks	bank	NOUN
ejif-3301	169	15	,	,	PUNCT
ejif-3301	169	16	like	like	ADP
ejif-3301	169	17	their	their	PRON
ejif-3301	169	18	first	first	ADJ
ejif-3301	169	19	aim	aim	NOUN
ejif-3301	169	20	for	for	ADP
ejif-3301	169	21	financing	finance	VERB
ejif-3301	169	22	rural	rural	ADJ
ejif-3301	169	23	population	population	NOUN
ejif-3301	169	24	2.1	2.1	NUM
ejif-3301	169	25	asymmetric	asymmetric	ADJ
ejif-3301	169	26	information	information	NOUN
ejif-3301	169	27	ugo	ugo	PROPN
ejif-3301	169	28	albertazzi	albertazzi	NOUN
ejif-3301	169	29	etc	etc	X
ejif-3301	169	30	.	.	PUNCT
ejif-3301	170	1	al	al	PROPN
ejif-3301	170	2	.	.	PROPN
ejif-3301	171	1	(	(	PUNCT
ejif-3301	171	2	2014	2014	NUM
ejif-3301	171	3	)	)	PUNCT
ejif-3301	171	4	(	(	PUNCT
ejif-3301	171	5	ugo	ugo	PROPN
ejif-3301	171	6	albertazzi	albertazzi	NOUN
ejif-3301	171	7	,	,	PUNCT
ejif-3301	171	8	2014	2014	NUM
ejif-3301	171	9	)	)	PUNCT
ejif-3301	171	10	analyzed	analyze	VERB
ejif-3301	171	11	asymmetric	asymmetric	ADJ
ejif-3301	171	12	information	information	NOUN
ejif-3301	171	13	in	in	ADP
ejif-3301	171	14	securitization	securitization	NOUN
ejif-3301	171	15	deals	deal	NOUN
ejif-3301	171	16	is	be	AUX
ejif-3301	171	17	based	base	VERB
ejif-3301	171	18	on	on	ADP
ejif-3301	171	19	a	a	DET
ejif-3301	171	20	unique	unique	ADJ
ejif-3301	171	21	dataset	dataset	NOUN
ejif-3301	171	22	comprising	comprise	VERB
ejif-3301	171	23	a	a	DET
ejif-3301	171	24	million	million	NUM
ejif-3301	171	25	mortgages	mortgage	NOUN
ejif-3301	171	26	.	.	PUNCT
ejif-3301	172	1	the	the	DET
ejif-3301	172	2	main	main	ADJ
ejif-3301	172	3	finding	finding	NOUN
ejif-3301	172	4	was	be	AUX
ejif-3301	172	5	that	that	SCONJ
ejif-3301	172	6	securitized	securitize	VERB
ejif-3301	172	7	mortgages	mortgage	NOUN
ejif-3301	172	8	have	have	VERB
ejif-3301	172	9	a	a	DET
ejif-3301	172	10	lower	low	ADJ
ejif-3301	172	11	default	default	NOUN
ejif-3301	172	12	probability	probability	NOUN
ejif-3301	172	13	than	than	ADP
ejif-3301	172	14	non	non	ADJ
ejif-3301	172	15	-	-	ADJ
ejif-3301	172	16	securitized	securitized	ADJ
ejif-3301	172	17	ones	one	NOUN
ejif-3301	172	18	.	.	PUNCT
ejif-3301	173	1	crawford	crawford	PROPN
ejif-3301	173	2	etc	etc	X
ejif-3301	173	3	.	.	PUNCT
ejif-3301	174	1	al	al	PROPN
ejif-3301	174	2	.	.	PROPN
ejif-3301	174	3	2018	2018	NUM
ejif-3301	174	4	)	)	PUNCT
ejif-3301	174	5	also	also	ADV
ejif-3301	174	6	studied	study	VERB
ejif-3301	174	7	the	the	DET
ejif-3301	174	8	effects	effect	NOUN
ejif-3301	174	9	of	of	ADP
ejif-3301	174	10	asymmetric	asymmetric	ADJ
ejif-3301	174	11	information	information	NOUN
ejif-3301	174	12	and	and	CCONJ
ejif-3301	174	13	imperfect	imperfect	ADJ
ejif-3301	174	14	competition	competition	NOUN
ejif-3301	174	15	in	in	ADP
ejif-3301	174	16	the	the	DET
ejif-3301	174	17	market	market	NOUN
ejif-3301	174	18	for	for	ADP
ejif-3301	174	19	small	small	ADJ
ejif-3301	174	20	business	business	NOUN
ejif-3301	174	21	lines	line	NOUN
ejif-3301	174	22	of	of	ADP
ejif-3301	174	23	credit	credit	NOUN
ejif-3301	174	24	.	.	PUNCT
ejif-3301	175	1	they	they	PRON
ejif-3301	175	2	found	find	VERB
ejif-3301	175	3	evidence	evidence	NOUN
ejif-3301	175	4	of	of	ADP
ejif-3301	175	5	adverse	adverse	ADJ
ejif-3301	175	6	selection	selection	NOUN
ejif-3301	175	7	in	in	ADP
ejif-3301	175	8	the	the	DET
ejif-3301	175	9	form	form	NOUN
ejif-3301	175	10	of	of	ADP
ejif-3301	175	11	a	a	DET
ejif-3301	175	12	positive	positive	ADJ
ejif-3301	175	13	correlation	correlation	NOUN
ejif-3301	175	14	between	between	ADP
ejif-3301	175	15	the	the	DET
ejif-3301	175	16	unobserved	unobserved	ADJ
ejif-3301	175	17	determinants	determinant	NOUN
ejif-3301	175	18	of	of	ADP
ejif-3301	175	19	demand	demand	NOUN
ejif-3301	175	20	for	for	ADP
ejif-3301	175	21	credit	credit	NOUN
ejif-3301	175	22	and	and	CCONJ
ejif-3301	175	23	default	default	NOUN
ejif-3301	175	24	.	.	PUNCT
ejif-3301	176	1	while	while	SCONJ
ejif-3301	176	2	increases	increase	NOUN
ejif-3301	176	3	in	in	ADP
ejif-3301	176	4	adverse	adverse	ADJ
ejif-3301	176	5	selection	selection	NOUN
ejif-3301	176	6	increase	increase	NOUN
ejif-3301	176	7	prices	price	NOUN
ejif-3301	176	8	and	and	CCONJ
ejif-3301	176	9	defaults	default	NOUN
ejif-3301	176	10	on	on	ADP
ejif-3301	176	11	average	average	ADJ
ejif-3301	176	12	,	,	PUNCT
ejif-3301	176	13	reducing	reduce	VERB
ejif-3301	176	14	credit	credit	NOUN
ejif-3301	176	15	supply	supply	NOUN
ejif-3301	176	16	,	,	PUNCT
ejif-3301	176	17	banks	bank	NOUN
ejif-3301	176	18	’	'	PUNCT
ejif-3301	176	19	market	market	NOUN
ejif-3301	176	20	power	power	NOUN
ejif-3301	176	21	can	can	AUX
ejif-3301	176	22	mitigate	mitigate	VERB
ejif-3301	176	23	these	these	DET
ejif-3301	176	24	negative	negative	ADJ
ejif-3301	176	25	effects	effect	NOUN
ejif-3301	176	26	.	.	PUNCT
ejif-3301	177	1	lester	lester	PROPN
ejif-3301	177	2	et	et	PROPN
ejif-3301	177	3	al	al	PROPN
ejif-3301	177	4	.	.	PROPN
ejif-3301	178	1	(	(	PUNCT
ejif-3301	178	2	2017	2017	NUM
ejif-3301	178	3	)	)	PUNCT
ejif-3301	178	4	(	(	PUNCT
ejif-3301	178	5	lester	lester	NOUN
ejif-3301	178	6	,	,	PUNCT
ejif-3301	178	7	2017	2017	NUM
ejif-3301	178	8	)	)	PUNCT
ejif-3301	178	9	show	show	VERB
ejif-3301	178	10	that	that	SCONJ
ejif-3301	178	11	equilibrium	equilibrium	NOUN
ejif-3301	178	12	contracts	contract	NOUN
ejif-3301	178	13	in	in	ADP
ejif-3301	178	14	insurance	insurance	NOUN
ejif-3301	178	15	and	and	CCONJ
ejif-3301	178	16	credit	credit	NOUN
ejif-3301	178	17	markets	market	NOUN
ejif-3301	178	18	are	be	AUX
ejif-3301	178	19	jointly	jointly	ADV
ejif-3301	178	20	determined	determine	VERB
ejif-3301	178	21	by	by	ADP
ejif-3301	178	22	adverse	adverse	ADJ
ejif-3301	178	23	selection	selection	NOUN
ejif-3301	178	24	and	and	CCONJ
ejif-3301	178	25	market	market	NOUN
ejif-3301	178	26	power	power	NOUN
ejif-3301	178	27	,	,	PUNCT
ejif-3301	178	28	and	and	CCONJ
ejif-3301	178	29	that	that	SCONJ
ejif-3301	178	30	increased	increase	VERB
ejif-3301	178	31	competition	competition	NOUN
ejif-3301	178	32	and	and	CCONJ
ejif-3301	178	33	reduced	reduce	VERB
ejif-3301	178	34	informational	informational	ADJ
ejif-3301	178	35	asymmetries	asymmetry	NOUN
ejif-3301	178	36	can	can	AUX
ejif-3301	178	37	be	be	AUX
ejif-3301	178	38	detrimental	detrimental	ADJ
ejif-3301	178	39	for	for	ADP
ejif-3301	178	40	welfare	welfare	NOUN
ejif-3301	178	41	.	.	PUNCT
ejif-3301	179	1	karlan	karlan	NOUN
ejif-3301	179	2	and	and	CCONJ
ejif-3301	179	3	zinman	zinman	PROPN
ejif-3301	179	4	(	(	PUNCT
ejif-3301	179	5	2009	2009	NUM
ejif-3301	179	6	)	)	PUNCT
ejif-3301	179	7	(	(	PUNCT
ejif-3301	179	8	karlan	karlan	NOUN
ejif-3301	179	9	,	,	PUNCT
ejif-3301	179	10	2009	2009	NUM
ejif-3301	179	11	)	)	PUNCT
ejif-3301	179	12	estimated	estimate	VERB
ejif-3301	179	13	the	the	DET
ejif-3301	179	14	presence	presence	NOUN
ejif-3301	179	15	and	and	CCONJ
ejif-3301	179	16	importance	importance	NOUN
ejif-3301	179	17	of	of	ADP
ejif-3301	179	18	hidden	hide	VERB
ejif-3301	179	19	information	information	NOUN
ejif-3301	179	20	and	and	CCONJ
ejif-3301	179	21	hidden	hide	VERB
ejif-3301	179	22	action	action	NOUN
ejif-3301	179	23	problems	problem	NOUN
ejif-3301	179	24	in	in	ADP
ejif-3301	179	25	a	a	DET
ejif-3301	179	26	consumer	consumer	NOUN
ejif-3301	179	27	credit	credit	NOUN
ejif-3301	179	28	market	market	NOUN
ejif-3301	179	29	using	use	VERB
ejif-3301	179	30	a	a	DET
ejif-3301	179	31	new	new	ADJ
ejif-3301	179	32	field	field	NOUN
ejif-3301	179	33	experiment	experiment	NOUN
ejif-3301	179	34	methodology	methodology	NOUN
ejif-3301	179	35	.	.	PUNCT
ejif-3301	180	1	they	they	PRON
ejif-3301	180	2	randomized	randomize	VERB
ejif-3301	180	3	58,000	58,000	NUM
ejif-3301	180	4	direct	direct	ADJ
ejif-3301	180	5	mail	mail	NOUN
ejif-3301	180	6	offers	offer	VERB
ejif-3301	180	7	to	to	ADP
ejif-3301	180	8	former	former	ADJ
ejif-3301	180	9	clients	client	NOUN
ejif-3301	180	10	of	of	ADP
ejif-3301	180	11	a	a	DET
ejif-3301	180	12	major	major	ADJ
ejif-3301	180	13	south	south	ADJ
ejif-3301	180	14	african	african	ADJ
ejif-3301	180	15	lender	lender	NOUN
ejif-3301	180	16	along	along	ADP
ejif-3301	180	17	three	three	NUM
ejif-3301	180	18	dimensions	dimension	NOUN
ejif-3301	180	19	:	:	PUNCT
ejif-3301	180	20	(	(	PUNCT
ejif-3301	180	21	i	i	NOUN
ejif-3301	180	22	)	)	PUNCT
ejif-3301	180	23	an	an	DET
ejif-3301	180	24	initial	initial	ADJ
ejif-3301	180	25	"	"	PUNCT
ejif-3301	180	26	offer	offer	VERB
ejif-3301	180	27	interest	interest	NOUN
ejif-3301	180	28	rate	rate	NOUN
ejif-3301	180	29	"	"	PUNCT
ejif-3301	180	30	featured	feature	VERB
ejif-3301	180	31	on	on	ADP
ejif-3301	180	32	a	a	DET
ejif-3301	180	33	direct	direct	ADJ
ejif-3301	180	34	mail	mail	NOUN
ejif-3301	180	35	so	so	SCONJ
ejif-3301	180	36	licitation	licitation	NOUN
ejif-3301	180	37	;	;	PUNCT
ejif-3301	180	38	(	(	PUNCT
ejif-3301	180	39	ii	ii	NOUN
ejif-3301	180	40	)	)	PUNCT
ejif-3301	180	41	a	a	DET
ejif-3301	180	42	"	"	PUNCT
ejif-3301	180	43	contract	contract	NOUN
ejif-3301	180	44	interest	interest	NOUN
ejif-3301	180	45	rate	rate	NOUN
ejif-3301	180	46	"	"	PUNCT
ejif-3301	180	47	that	that	PRON
ejif-3301	180	48	was	be	AUX
ejif-3301	180	49	revealed	reveal	VERB
ejif-3301	180	50	only	only	ADV
ejif-3301	180	51	after	after	SCONJ
ejif-3301	180	52	a	a	DET
ejif-3301	180	53	borrower	borrower	NOUN
ejif-3301	180	54	agreed	agree	VERB
ejif-3301	180	55	to	to	ADP
ejif-3301	180	56	the	the	DET
ejif-3301	180	57	initial	initial	ADJ
ejif-3301	180	58	offer	offer	NOUN
ejif-3301	180	59	rate	rate	NOUN
ejif-3301	180	60	;	;	PUNCT
ejif-3301	180	61	and	and	CCONJ
ejif-3301	180	62	(	(	PUNCT
ejif-3301	180	63	ii	ii	NOUN
ejif-3301	180	64	)	)	PUNCT
ejif-3301	180	65	a	a	DET
ejif-3301	180	66	dynamic	dynamic	ADJ
ejif-3301	180	67	repayment	repayment	NOUN
ejif-3301	180	68	incentive	incentive	NOUN
ejif-3301	180	69	that	that	PRON
ejif-3301	180	70	was	be	AUX
ejif-3301	180	71	also	also	ADV
ejif-3301	180	72	a	a	DET
ejif-3301	180	73	surprise	surprise	NOUN
ejif-3301	180	74	and	and	CCONJ
ejif-3301	180	75	extended	extend	VERB
ejif-3301	180	76	preferential	preferential	ADJ
ejif-3301	180	77	pricing	pricing	NOUN
ejif-3301	180	78	on	on	ADP
ejif-3301	180	79	future	future	ADJ
ejif-3301	180	80	loans	loan	NOUN
ejif-3301	180	81	to	to	ADP
ejif-3301	180	82	borrowers	borrower	NOUN
ejif-3301	180	83	who	who	PRON
ejif-3301	180	84	remained	remain	VERB
ejif-3301	180	85	in	in	ADP
ejif-3301	180	86	good	good	ADJ
ejif-3301	180	87	standing	standing	NOUN
ejif-3301	180	88	.	.	PUNCT
ejif-3301	181	1	they	they	PRON
ejif-3301	181	2	found	find	VERB
ejif-3301	181	3	strong	strong	ADJ
ejif-3301	181	4	evidence	evidence	NOUN
ejif-3301	181	5	of	of	ADP
ejif-3301	181	6	moral	moral	ADJ
ejif-3301	181	7	hazard	hazard	NOUN
ejif-3301	181	8	and	and	CCONJ
ejif-3301	181	9	weaker	weak	ADJ
ejif-3301	181	10	evidence	evidence	NOUN
ejif-3301	181	11	of	of	ADP
ejif-3301	181	12	hidden	hide	VERB
ejif-3301	181	13	information	information	NOUN
ejif-3301	181	14	problems	problem	NOUN
ejif-3301	181	15	.	.	PUNCT
ejif-3301	182	1	a	a	DET
ejif-3301	182	2	rough	rough	ADJ
ejif-3301	182	3	estimate	estimate	NOUN
ejif-3301	182	4	suggests	suggest	VERB
ejif-3301	182	5	that	that	SCONJ
ejif-3301	182	6	perhaps	perhaps	ADV
ejif-3301	182	7	13	13	NUM
ejif-3301	182	8	%	%	NOUN
ejif-3301	182	9	to	to	PART
ejif-3301	182	10	21	21	NUM
ejif-3301	182	11	%	%	NOUN
ejif-3301	182	12	of	of	ADP
ejif-3301	182	13	default	default	NOUN
ejif-3301	182	14	is	be	AUX
ejif-3301	182	15	due	due	ADJ
ejif-3301	182	16	to	to	ADP
ejif-3301	182	17	moral	moral	ADJ
ejif-3301	182	18	hazard	hazard	NOUN
ejif-3301	182	19	.	.	PUNCT
ejif-3301	183	1	jalaluddin	jalaluddin	NOUN
ejif-3301	183	2	and	and	CCONJ
ejif-3301	183	3	metwally	metwally	ADV
ejif-3301	183	4	(	(	PUNCT
ejif-3301	183	5	1999	1999	NUM
ejif-3301	183	6	)	)	PUNCT
ejif-3301	183	7	,	,	PUNCT
ejif-3301	183	8	(	(	PUNCT
ejif-3301	183	9	jalaluddin	jalaluddin	NOUN
ejif-3301	183	10	,	,	PUNCT
ejif-3301	183	11	1999	1999	NUM
ejif-3301	183	12	)	)	PUNCT
ejif-3301	183	13	showed	show	VERB
ejif-3301	183	14	a	a	DET
ejif-3301	183	15	positive	positive	ADJ
ejif-3301	183	16	relationship	relationship	NOUN
ejif-3301	183	17	between	between	ADP
ejif-3301	183	18	the	the	DET
ejif-3301	183	19	probability	probability	NOUN
ejif-3301	183	20	of	of	ADP
ejif-3301	183	21	financing	finance	VERB
ejif-3301	183	22	through	through	ADP
ejif-3301	183	23	pls	pls	INTJ
ejif-3301	183	24	and	and	CCONJ
ejif-3301	183	25	the	the	DET
ejif-3301	183	26	business	business	NOUN
ejif-3301	183	27	risk	risk	NOUN
ejif-3301	183	28	.	.	PUNCT
ejif-3301	184	1	this	this	PRON
ejif-3301	184	2	means	mean	VERB
ejif-3301	184	3	that	that	SCONJ
ejif-3301	184	4	an	an	DET
ejif-3301	184	5	entrepreneur	entrepreneur	NOUN
ejif-3301	184	6	with	with	ADP
ejif-3301	184	7	a	a	DET
ejif-3301	184	8	risky	risky	ADJ
ejif-3301	184	9	project	project	NOUN
ejif-3301	184	10	is	be	AUX
ejif-3301	184	11	more	more	ADV
ejif-3301	184	12	willing	willing	ADJ
ejif-3301	184	13	to	to	PART
ejif-3301	184	14	enter	enter	VERB
ejif-3301	184	15	into	into	ADP
ejif-3301	184	16	a	a	DET
ejif-3301	184	17	pls	pls	NOUN
ejif-3301	184	18	contract	contract	NOUN
ejif-3301	184	19	rather	rather	ADV
ejif-3301	184	20	than	than	ADP
ejif-3301	184	21	an	an	DET
ejif-3301	184	22	entrepreneur	entrepreneur	NOUN
ejif-3301	184	23	with	with	ADP
ejif-3301	184	24	a	a	DET
ejif-3301	184	25	lesser	less	ADJ
ejif-3301	184	26	risky	risky	ADJ
ejif-3301	184	27	project	project	NOUN
ejif-3301	184	28	.	.	PUNCT
ejif-3301	185	1	they	they	PRON
ejif-3301	185	2	also	also	ADV
ejif-3301	185	3	found	find	VERB
ejif-3301	185	4	that	that	SCONJ
ejif-3301	185	5	if	if	SCONJ
ejif-3301	185	6	the	the	DET
ejif-3301	185	7	costs	cost	NOUN
ejif-3301	185	8	of	of	ADP
ejif-3301	185	9	borrowing	borrowing	NOUN
ejif-3301	185	10	(	(	PUNCT
ejif-3301	185	11	through	through	ADP
ejif-3301	185	12	interest	interest	NOUN
ejif-3301	185	13	)	)	PUNCT
ejif-3301	185	14	are	be	AUX
ejif-3301	185	15	high	high	ADJ
ejif-3301	185	16	,	,	PUNCT
ejif-3301	185	17	the	the	DET
ejif-3301	185	18	probability	probability	NOUN
ejif-3301	185	19	of	of	ADP
ejif-3301	185	20	financing	financing	NOUN
ejif-3301	185	21	through	through	ADP
ejif-3301	185	22	pls	pls	PROPN
ejif-3301	185	23	is	be	AUX
ejif-3301	185	24	higher	high	ADJ
ejif-3301	185	25	.	.	PUNCT
ejif-3301	186	1	in	in	ADP
ejif-3301	186	2	addition	addition	NOUN
ejif-3301	186	3	,	,	PUNCT
ejif-3301	186	4	they	they	PRON
ejif-3301	186	5	found	find	VERB
ejif-3301	186	6	negative	negative	ADJ
ejif-3301	186	7	relationships	relationship	NOUN
ejif-3301	186	8	between	between	ADP
ejif-3301	186	9	the	the	DET
ejif-3301	186	10	probability	probability	NOUN
ejif-3301	186	11	of	of	ADP
ejif-3301	186	12	pls	pls	PROPN
ejif-3301	186	13	funding	funding	NOUN
ejif-3301	186	14	and	and	CCONJ
ejif-3301	186	15	some	some	DET
ejif-3301	186	16	independent	independent	ADJ
ejif-3301	186	17	variables	variable	NOUN
ejif-3301	186	18	.	.	PUNCT
ejif-3301	187	1	safieddine	safieddine	PROPN
ejif-3301	187	2	(	(	PUNCT
ejif-3301	187	3	2009	2009	NUM
ejif-3301	187	4	)	)	PUNCT
ejif-3301	187	5	(	(	PUNCT
ejif-3301	187	6	safieddine	safieddine	NOUN
ejif-3301	187	7	,	,	PUNCT
ejif-3301	187	8	2009	2009	NUM
ejif-3301	187	9	)	)	PUNCT
ejif-3301	187	10	has	have	AUX
ejif-3301	187	11	done	do	VERB
ejif-3301	187	12	an	an	DET
ejif-3301	187	13	investigation	investigation	NOUN
ejif-3301	187	14	of	of	ADP
ejif-3301	187	15	the	the	DET
ejif-3301	187	16	investment	investment	NOUN
ejif-3301	187	17	accounts	account	NOUN
ejif-3301	187	18	of	of	ADP
ejif-3301	187	19	islamic	islamic	ADJ
ejif-3301	187	20	banks	bank	NOUN
ejif-3301	187	21	.	.	PUNCT
ejif-3301	188	1	he	he	PRON
ejif-3301	188	2	applied	apply	VERB
ejif-3301	188	3	agency	agency	NOUN
ejif-3301	188	4	theory	theory	NOUN
ejif-3301	188	5	to	to	ADP
ejif-3301	188	6	the	the	DET
ejif-3301	188	7	banks	bank	NOUN
ejif-3301	188	8	and	and	CCONJ
ejif-3301	188	9	found	find	VERB
ejif-3301	188	10	that	that	SCONJ
ejif-3301	188	11	investment	investment	NOUN
ejif-3301	188	12	account	account	NOUN
ejif-3301	188	13	holders	holder	NOUN
ejif-3301	188	14	expose	expose	VERB
ejif-3301	188	15	their	their	PRON
ejif-3301	188	16	money	money	NOUN
ejif-3301	188	17	to	to	ADP
ejif-3301	188	18	risks	risk	NOUN
ejif-3301	188	19	but	but	CCONJ
ejif-3301	188	20	lack	lack	VERB
ejif-3301	188	21	influence	influence	NOUN
ejif-3301	188	22	on	on	ADP
ejif-3301	188	23	the	the	DET
ejif-3301	188	24	management	management	NOUN
ejif-3301	188	25	.	.	PUNCT
ejif-3301	189	1	as	as	SCONJ
ejif-3301	189	2	,	,	PUNCT
ejif-3301	189	3	investment	investment	NOUN
ejif-3301	189	4	accounts	account	NOUN
ejif-3301	189	5	of	of	ADP
ejif-3301	189	6	islamic	islamic	ADJ
ejif-3301	189	7	banks	bank	NOUN
ejif-3301	189	8	are	be	AUX
ejif-3301	189	9	created	create	VERB
ejif-3301	189	10	through	through	ADP
ejif-3301	189	11	a	a	DET
ejif-3301	189	12	so	so	ADV
ejif-3301	189	13	called	call	VERB
ejif-3301	189	14	"	"	PUNCT
ejif-3301	189	15	two	two	NUM
ejif-3301	189	16	-	-	PUNCT
ejif-3301	189	17	tier	tier	NOUN
ejif-3301	189	18	mudarabah	mudarabah	NOUN
ejif-3301	189	19	"	"	PUNCT
ejif-3301	189	20	the	the	DET
ejif-3301	189	21	depositor	depositor	NOUN
ejif-3301	189	22	is	be	AUX
ejif-3301	189	23	therefore	therefore	ADV
ejif-3301	189	24	exposed	expose	VERB
ejif-3301	189	25	to	to	ADP
ejif-3301	189	26	risks	risk	NOUN
ejif-3301	189	27	associated	associate	VERB
ejif-3301	189	28	with	with	ADP
ejif-3301	189	29	the	the	DET
ejif-3301	189	30	investment	investment	NOUN
ejif-3301	189	31	decision	decision	NOUN
ejif-3301	189	32	of	of	ADP
ejif-3301	189	33	the	the	DET
ejif-3301	189	34	bank	bank	NOUN
ejif-3301	189	35	,	,	PUNCT
ejif-3301	189	36	but	but	CCONJ
ejif-3301	189	37	the	the	DET
ejif-3301	189	38	bank	bank	NOUN
ejif-3301	189	39	does	do	AUX
ejif-3301	189	40	not	not	PART
ejif-3301	189	41	face	face	VERB
ejif-3301	189	42	any	any	DET
ejif-3301	189	43	risk	risk	NOUN
ejif-3301	189	44	,	,	PUNCT
ejif-3301	189	45	because	because	SCONJ
ejif-3301	189	46	in	in	ADP
ejif-3301	189	47	the	the	DET
ejif-3301	189	48	mudarabah	mudarabah	NOUN
ejif-3301	189	49	contract	contract	NOUN
ejif-3301	189	50	the	the	DET
ejif-3301	189	51	supplier	supplier	NOUN
ejif-3301	189	52	of	of	ADP
ejif-3301	189	53	funds	fund	NOUN
ejif-3301	189	54	is	be	AUX
ejif-3301	189	55	solely	solely	ADV
ejif-3301	189	56	liable	liable	ADJ
ejif-3301	189	57	for	for	ADP
ejif-3301	189	58	losses	loss	NOUN
ejif-3301	189	59	.	.	PUNCT
ejif-3301	190	1	if	if	SCONJ
ejif-3301	190	2	the	the	DET
ejif-3301	190	3	investment	investment	NOUN
ejif-3301	190	4	accounts	account	VERB
ejif-3301	190	5	holders	holder	NOUN
ejif-3301	190	6	'	'	PART
ejif-3301	190	7	lack	lack	NOUN
ejif-3301	190	8	influence	influence	NOUN
ejif-3301	190	9	and	and	CCONJ
ejif-3301	190	10	monitoring	monitor	VERB
ejif-3301	190	11	possibilities	possibility	NOUN
ejif-3301	190	12	on	on	ADP
ejif-3301	190	13	the	the	DET
ejif-3301	190	14	management	management	NOUN
ejif-3301	190	15	due	due	ADP
ejif-3301	190	16	to	to	ADP
ejif-3301	190	17	difficulties	difficulty	NOUN
ejif-3301	190	18	gathering	gather	VERB
ejif-3301	190	19	information	information	NOUN
ejif-3301	190	20	,	,	PUNCT
ejif-3301	190	21	then	then	ADV
ejif-3301	190	22	there	there	PRON
ejif-3301	190	23	is	be	VERB
ejif-3301	190	24	room	room	NOUN
ejif-3301	190	25	for	for	ADP
ejif-3301	190	26	agency	agency	NOUN
ejif-3301	190	27	problems	problem	NOUN
ejif-3301	190	28	.	.	PUNCT
ejif-3301	191	1	khan	khan	PROPN
ejif-3301	191	2	(	(	PUNCT
ejif-3301	191	3	1989	1989	NUM
ejif-3301	191	4	)	)	PUNCT
ejif-3301	191	5	(	(	PUNCT
ejif-3301	191	6	khan	khan	PROPN
ejif-3301	191	7	,	,	PUNCT
ejif-3301	191	8	1989	1989	NUM
ejif-3301	191	9	)	)	PUNCT
ejif-3301	191	10	developed	develop	VERB
ejif-3301	191	11	a	a	DET
ejif-3301	191	12	model	model	NOUN
ejif-3301	191	13	which	which	PRON
ejif-3301	191	14	is	be	AUX
ejif-3301	191	15	used	use	VERB
ejif-3301	191	16	to	to	PART
ejif-3301	191	17	compare	compare	VERB
ejif-3301	191	18	variable	variable	ADJ
ejif-3301	191	19	return	return	NOUN
ejif-3301	191	20	schemes	scheme	NOUN
ejif-3301	191	21	(	(	PUNCT
ejif-3301	191	22	vrs	vrs	ADJ
ejif-3301	191	23	,	,	PUNCT
ejif-3301	191	24	like	like	ADP
ejif-3301	191	25	equity	equity	NOUN
ejif-3301	191	26	or	or	CCONJ
ejif-3301	191	27	pls	pls	INTJ
ejif-3301	191	28	)	)	PUNCT
ejif-3301	191	29	withfixed	withfixe	VERB
ejif-3301	191	30	return	return	NOUN
ejif-3301	191	31	schemes	scheme	NOUN
ejif-3301	191	32	(	(	PUNCT
ejif-3301	191	33	frs	frs	ADJ
ejif-3301	191	34	,	,	PUNCT
ejif-3301	191	35	like	like	ADP
ejif-3301	191	36	debt	debt	NOUN
ejif-3301	191	37	or	or	CCONJ
ejif-3301	191	38	markup	markup	NOUN
ejif-3301	191	39	)	)	PUNCT
ejif-3301	191	40	.	.	PUNCT
ejif-3301	192	1	he	he	PRON
ejif-3301	192	2	found	find	VERB
ejif-3301	192	3	that	that	SCONJ
ejif-3301	192	4	under	under	ADP
ejif-3301	192	5	the	the	DET
ejif-3301	192	6	assumption	assumption	NOUN
ejif-3301	192	7	of	of	ADP
ejif-3301	192	8	symmetric	symmetric	ADJ
ejif-3301	192	9	information	information	NOUN
ejif-3301	192	10	the	the	DET
ejif-3301	192	11	vrs	vrs	NOUN
ejif-3301	192	12	dominates	dominate	VERB
ejif-3301	192	13	,	,	PUNCT
ejif-3301	192	14	because	because	SCONJ
ejif-3301	192	15	it	it	PRON
ejif-3301	192	16	spreads	spread	VERB
ejif-3301	192	17	the	the	DET
ejif-3301	192	18	risk	risk	NOUN
ejif-3301	192	19	much	much	ADV
ejif-3301	192	20	better	well	ADJ
ejif-3301	192	21	than	than	SCONJ
ejif-3301	192	22	does	do	VERB
ejif-3301	192	23	frs	frs	PROPN
ejif-3301	192	24	.	.	PUNCT
ejif-3301	193	1	as	as	ADV
ejif-3301	193	2	soon	soon	ADV
ejif-3301	193	3	as	as	SCONJ
ejif-3301	193	4	he	he	PRON
ejif-3301	193	5	relaxes	relax	VERB
ejif-3301	193	6	the	the	DET
ejif-3301	193	7	assumption	assumption	NOUN
ejif-3301	193	8	of	of	ADP
ejif-3301	193	9	symmetric	symmetric	ADJ
ejif-3301	193	10	information	information	NOUN
ejif-3301	193	11	,	,	PUNCT
ejif-3301	193	12	the	the	DET
ejif-3301	193	13	frs	frs	PROPN
ejif-3301	193	14	becomes	become	VERB
ejif-3301	193	15	the	the	DET
ejif-3301	193	16	dominant	dominant	ADJ
ejif-3301	193	17	method	method	NOUN
ejif-3301	193	18	of	of	ADP
ejif-3301	193	19	financing	financing	NOUN
ejif-3301	193	20	.	.	PUNCT
ejif-3301	194	1	according	accord	VERB
ejif-3301	194	2	to	to	ADP
ejif-3301	194	3	khan	khan	PROPN
ejif-3301	194	4	(	(	PUNCT
ejif-3301	194	5	1989	1989	NUM
ejif-3301	194	6	)	)	PUNCT
ejif-3301	194	7	the	the	DET
ejif-3301	194	8	dominance	dominance	NOUN
ejif-3301	194	9	of	of	ADP
ejif-3301	194	10	frs	frs	PROPN
ejif-3301	194	11	under	under	ADP
ejif-3301	194	12	asymmetric	asymmetric	ADJ
ejif-3301	194	13	information	information	NOUN
ejif-3301	194	14	has	have	VERB
ejif-3301	194	15	two	two	NUM
ejif-3301	194	16	reasons	reason	NOUN
ejif-3301	194	17	.	.	PUNCT
ejif-3301	195	1	first	first	ADV
ejif-3301	195	2	,	,	PUNCT
ejif-3301	195	3	lesser	less	ADJ
ejif-3301	195	4	monitoring	monitoring	NOUN
ejif-3301	195	5	takes	take	VERB
ejif-3301	195	6	place	place	NOUN
ejif-3301	195	7	because	because	SCONJ
ejif-3301	195	8	only	only	ADV
ejif-3301	195	9	a	a	DET
ejif-3301	195	10	"	"	PUNCT
ejif-3301	195	11	reported	report	VERB
ejif-3301	195	12	return	return	NOUN
ejif-3301	195	13	below	below	ADP
ejif-3301	195	14	the	the	DET
ejif-3301	195	15	fixed	fix	VERB
ejif-3301	195	16	return	return	NOUN
ejif-3301	195	17	is	be	AUX
ejif-3301	195	18	suspicious	suspicious	ADJ
ejif-3301	195	19	"	"	PUNCT
ejif-3301	195	20	.	.	PUNCT
ejif-3301	196	1	second	second	ADJ
ejif-3301	196	2	,	,	PUNCT
ejif-3301	196	3	the	the	DET
ejif-3301	196	4	frs	frs	PROPN
ejif-3301	196	5	allows	allow	VERB
ejif-3301	196	6	for	for	ADP
ejif-3301	196	7	lower	low	ADJ
ejif-3301	196	8	monitoring	monitoring	NOUN
ejif-3301	196	9	costs	cost	NOUN
ejif-3301	196	10	because	because	SCONJ
ejif-3301	196	11	it	it	PRON
ejif-3301	196	12	"	"	PUNCT
ejif-3301	196	13	minimizes	minimize	VERB
ejif-3301	196	14	information	information	NOUN
ejif-3301	196	15	requirements	requirement	NOUN
ejif-3301	196	16	"	"	PUNCT
ejif-3301	196	17	.	.	PUNCT
ejif-3301	197	1	because	because	SCONJ
ejif-3301	197	2	of	of	ADP
ejif-3301	197	3	these	these	DET
ejif-3301	197	4	two	two	NUM
ejif-3301	197	5	reasons	reason	NOUN
ejif-3301	197	6	,	,	PUNCT
ejif-3301	197	7	he	he	PRON
ejif-3301	197	8	concludes	conclude	VERB
ejif-3301	197	9	that	that	SCONJ
ejif-3301	197	10	the	the	DET
ejif-3301	197	11	dominance	dominance	NOUN
ejif-3301	197	12	of	of	ADP
ejif-3301	197	13	the	the	DET
ejif-3301	197	14	debt	debt	NOUN
ejif-3301	197	15	contract	contract	NOUN
ejif-3301	197	16	stems	stem	VERB
ejif-3301	197	17	from	from	ADP
ejif-3301	197	18	the	the	DET
ejif-3301	197	19	asymmetric	asymmetric	ADJ
ejif-3301	197	20	information	information	NOUN
ejif-3301	197	21	problem	problem	NOUN
ejif-3301	197	22	observed	observe	VERB
ejif-3301	197	23	in	in	ADP
ejif-3301	197	24	practice	practice	NOUN
ejif-3301	197	25	.	.	PUNCT
ejif-3301	198	1	david	david	PROPN
ejif-3301	198	2	kmling	kmling	PROPN
ejif-3301	198	3	(	(	PUNCT
ejif-3301	198	4	2014	2014	NUM
ejif-3301	198	5	)	)	PUNCT
ejif-3301	198	6	(	(	PUNCT
ejif-3301	198	7	mling	mling	NOUN
ejif-3301	198	8	,	,	PUNCT
ejif-3301	198	9	2014	2014	NUM
ejif-3301	198	10	)	)	PUNCT
ejif-3301	198	11	compared	compare	VERB
ejif-3301	198	12	the	the	DET
ejif-3301	198	13	asymmetric	asymmetric	ADJ
ejif-3301	198	14	information	information	NOUN
ejif-3301	198	15	problem	problem	NOUN
ejif-3301	198	16	between	between	ADP
ejif-3301	198	17	a	a	DET
ejif-3301	198	18	debt	debt	NOUN
ejif-3301	198	19	like	like	ADP
ejif-3301	198	20	contract	contract	NOUN
ejif-3301	198	21	and	and	CCONJ
ejif-3301	198	22	an	an	DET
ejif-3301	198	23	equity	equity	NOUN
ejif-3301	198	24	like	like	ADP
ejif-3301	198	25	contract	contract	NOUN
ejif-3301	198	26	.	.	PUNCT
ejif-3301	199	1	it	it	PRON
ejif-3301	199	2	proved	prove	VERB
ejif-3301	199	3	that	that	SCONJ
ejif-3301	199	4	profit	profit	NOUN
ejif-3301	199	5	and	and	CCONJ
ejif-3301	199	6	loss	loss	NOUN
ejif-3301	199	7	sharing	sharing	NOUN
ejif-3301	199	8	contracts	contract	NOUN
ejif-3301	199	9	are	be	AUX
ejif-3301	199	10	more	more	ADV
ejif-3301	199	11	beneficial	beneficial	ADJ
ejif-3301	199	12	to	to	PART
ejif-3301	199	13	make	make	VERB
ejif-3301	199	14	the	the	DET
ejif-3301	199	15	project	project	NOUN
ejif-3301	199	16	successful	successful	ADJ
ejif-3301	199	17	because	because	SCONJ
ejif-3301	199	18	it	it	PRON
ejif-3301	199	19	minimizes	minimize	VERB
ejif-3301	199	20	the	the	DET
ejif-3301	199	21	risk	risk	NOUN
ejif-3301	199	22	of	of	ADP
ejif-3301	199	23	maximum	maximum	ADJ
ejif-3301	199	24	losses	loss	NOUN
ejif-3301	199	25	.	.	PUNCT
ejif-3301	200	1	rifki	rifki	PROPN
ejif-3301	200	2	ismail	ismail	NOUN
ejif-3301	200	3	(	(	PUNCT
ejif-3301	200	4	2014	2014	NUM
ejif-3301	200	5	)	)	PUNCT
ejif-3301	200	6	(	(	PUNCT
ejif-3301	200	7	isma	isma	PROPN
ejif-3301	200	8	,	,	PUNCT
ejif-3301	200	9	2014	2014	NUM
ejif-3301	200	10	)	)	PUNCT
ejif-3301	200	11	in	in	ADP
ejif-3301	200	12	another	another	DET
ejif-3301	200	13	theoretical	theoretical	ADJ
ejif-3301	200	14	study	study	NOUN
ejif-3301	200	15	,	,	PUNCT
ejif-3301	200	16	gave	give	VERB
ejif-3301	200	17	the	the	DET
ejif-3301	200	18	assessment	assessment	NOUN
ejif-3301	200	19	of	of	ADP
ejif-3301	200	20	moral	moral	ADJ
ejif-3301	200	21	hazard	hazard	NOUN
ejif-3301	200	22	in	in	ADP
ejif-3301	200	23	murabaha	murabaha	NOUN
ejif-3301	200	24	financing	financing	NOUN
ejif-3301	200	25	which	which	PRON
ejif-3301	200	26	shows	show	VERB
ejif-3301	200	27	the	the	DET
ejif-3301	200	28	impact	impact	NOUN
ejif-3301	200	29	of	of	ADP
ejif-3301	200	30	information	information	NOUN
ejif-3301	200	31	asymmetric	asymmetric	ADJ
ejif-3301	200	32	in	in	ADP
ejif-3301	200	33	moral	moral	ADJ
ejif-3301	200	34	hazard	hazard	NOUN
ejif-3301	200	35	in	in	ADP
ejif-3301	200	36	relation	relation	NOUN
ejif-3301	200	37	with	with	ADP
ejif-3301	200	38	price	price	NOUN
ejif-3301	200	39	risk	risk	NOUN
ejif-3301	200	40	(	(	PUNCT
ejif-3301	200	41	which	which	PRON
ejif-3301	200	42	is	be	AUX
ejif-3301	200	43	the	the	DET
ejif-3301	200	44	volatility	volatility	NOUN
ejif-3301	200	45	of	of	ADP
ejif-3301	200	46	commodity	commodity	NOUN
ejif-3301	200	47	price	price	NOUN
ejif-3301	200	48	)	)	PUNCT
ejif-3301	200	49	.	.	PUNCT
ejif-3301	201	1	the	the	DET
ejif-3301	201	2	study	study	NOUN
ejif-3301	201	3	ejif	ejif	PROPN
ejif-3301	201	4	–	–	PUNCT
ejif-3301	201	5	european	european	PROPN
ejif-3301	201	6	journal	journal	PROPN
ejif-3301	201	7	of	of	ADP
ejif-3301	201	8	islamic	islamic	PROPN
ejif-3301	201	9	finance	finance	PROPN
ejif-3301	201	10	no	no	DET
ejif-3301	201	11	14	14	NUM
ejif-3301	201	12	,	,	PUNCT
ejif-3301	201	13	december	december	PROPN
ejif-3301	201	14	(	(	PUNCT
ejif-3301	201	15	2019	2019	NUM
ejif-3301	201	16	)	)	PUNCT
ejif-3301	201	17	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	201	18	issn	issn	VERB
ejif-3301	201	19	2421	2421	NUM
ejif-3301	201	20	-	-	SYM
ejif-3301	201	21	2172	2172	NUM
ejif-3301	201	22	7	7	NUM
ejif-3301	201	23	also	also	ADV
ejif-3301	201	24	shows	show	VERB
ejif-3301	201	25	which	which	DET
ejif-3301	201	26	steps	step	NOUN
ejif-3301	201	27	can	can	AUX
ejif-3301	201	28	be	be	AUX
ejif-3301	201	29	taken	take	VERB
ejif-3301	201	30	when	when	SCONJ
ejif-3301	201	31	the	the	DET
ejif-3301	201	32	honest	honest	ADJ
ejif-3301	201	33	default	default	NOUN
ejif-3301	201	34	occurs	occur	VERB
ejif-3301	201	35	and	and	CCONJ
ejif-3301	201	36	when	when	SCONJ
ejif-3301	201	37	dishonest	dishonest	ADJ
ejif-3301	201	38	default	default	NOUN
ejif-3301	201	39	occurs	occur	VERB
ejif-3301	201	40	.	.	PUNCT
ejif-3301	202	1	kaouther	kaouther	PROPN
ejif-3301	202	2	jouaber	jouaber	PROPN
ejif-3301	202	3	(	(	PUNCT
ejif-3301	202	4	2012	2012	NUM
ejif-3301	202	5	)	)	PUNCT
ejif-3301	202	6	(	(	PUNCT
ejif-3301	202	7	kaouther	kaouther	PROPN
ejif-3301	202	8	jouaber	jouaber	PROPN
ejif-3301	202	9	,	,	PUNCT
ejif-3301	202	10	2012	2012	NUM
ejif-3301	202	11	)	)	PUNCT
ejif-3301	202	12	also	also	ADV
ejif-3301	202	13	showed	show	VERB
ejif-3301	202	14	the	the	DET
ejif-3301	202	15	asymmetric	asymmetric	ADJ
ejif-3301	202	16	information	information	NOUN
ejif-3301	202	17	impact	impact	NOUN
ejif-3301	202	18	in	in	ADP
ejif-3301	202	19	the	the	DET
ejif-3301	202	20	shape	shape	NOUN
ejif-3301	202	21	of	of	ADP
ejif-3301	202	22	moral	moral	ADJ
ejif-3301	202	23	hazard	hazard	NOUN
ejif-3301	202	24	in	in	ADP
ejif-3301	202	25	murabah	murabah	ADJ
ejif-3301	202	26	financing	financing	NOUN
ejif-3301	202	27	,	,	PUNCT
ejif-3301	202	28	the	the	DET
ejif-3301	202	29	study	study	NOUN
ejif-3301	202	30	aim	aim	NOUN
ejif-3301	202	31	was	be	AUX
ejif-3301	202	32	to	to	PART
ejif-3301	202	33	analyze	analyze	VERB
ejif-3301	202	34	the	the	DET
ejif-3301	202	35	price	price	NOUN
ejif-3301	202	36	risk	risk	NOUN
ejif-3301	202	37	in	in	ADP
ejif-3301	202	38	the	the	DET
ejif-3301	202	39	context	context	NOUN
ejif-3301	202	40	of	of	ADP
ejif-3301	202	41	moral	moral	ADJ
ejif-3301	202	42	hazard	hazard	NOUN
ejif-3301	202	43	,	,	PUNCT
ejif-3301	202	44	and	and	CCONJ
ejif-3301	202	45	price	price	NOUN
ejif-3301	202	46	was	be	AUX
ejif-3301	202	47	dependent	dependent	ADJ
ejif-3301	202	48	variable	variable	NOUN
ejif-3301	202	49	to	to	PART
ejif-3301	202	50	select	select	VERB
ejif-3301	202	51	the	the	DET
ejif-3301	202	52	customer	customer	NOUN
ejif-3301	202	53	by	by	ADP
ejif-3301	202	54	bank	bank	NOUN
ejif-3301	202	55	.	.	PUNCT
ejif-3301	203	1	alsayyed,(2010	alsayyed,(2010	PROPN
ejif-3301	203	2	)	)	PUNCT
ejif-3301	203	3	(	(	PUNCT
ejif-3301	203	4	alsayyed	alsayye	VERB
ejif-3301	203	5	,	,	PUNCT
ejif-3301	203	6	2010	2010	NUM
ejif-3301	203	7	)	)	PUNCT
ejif-3301	203	8	studied	study	VERB
ejif-3301	203	9	the	the	DET
ejif-3301	203	10	uses	use	NOUN
ejif-3301	203	11	of	of	ADP
ejif-3301	203	12	commodity	commodity	NOUN
ejif-3301	203	13	murabaha	murabaha	NOUN
ejif-3301	203	14	,	,	PUNCT
ejif-3301	203	15	and	and	CCONJ
ejif-3301	203	16	found	find	VERB
ejif-3301	203	17	that	that	DET
ejif-3301	203	18	murabaha	murabaha	NOUN
ejif-3301	203	19	is	be	AUX
ejif-3301	203	20	clearly	clearly	ADV
ejif-3301	203	21	the	the	DET
ejif-3301	203	22	islamic	islamic	ADJ
ejif-3301	203	23	treasurer	treasurer	NOUN
ejif-3301	203	24	’s	’s	PART
ejif-3301	203	25	funding	funding	NOUN
ejif-3301	203	26	product	product	NOUN
ejif-3301	203	27	of	of	ADP
ejif-3301	203	28	choice	choice	NOUN
ejif-3301	203	29	,	,	PUNCT
ejif-3301	203	30	as	as	SCONJ
ejif-3301	203	31	it	it	PRON
ejif-3301	203	32	is	be	AUX
ejif-3301	203	33	flexible	flexible	ADJ
ejif-3301	203	34	enough	enough	ADV
ejif-3301	203	35	to	to	PART
ejif-3301	203	36	facilitate	facilitate	VERB
ejif-3301	203	37	many	many	ADJ
ejif-3301	203	38	structures	structure	NOUN
ejif-3301	203	39	for	for	ADP
ejif-3301	203	40	financing	financing	NOUN
ejif-3301	203	41	,	,	PUNCT
ejif-3301	203	42	hedging	hedging	NOUN
ejif-3301	203	43	,	,	PUNCT
ejif-3301	203	44	and	and	CCONJ
ejif-3301	203	45	currency	currency	NOUN
ejif-3301	203	46	exchanging	exchange	VERB
ejif-3301	203	47	paolo	paolo	PROPN
ejif-3301	203	48	pietro	pietro	PROPN
ejif-3301	203	49	biancone	biancone	PROPN
ejif-3301	203	50	and	and	CCONJ
ejif-3301	203	51	maha	maha	PROPN
ejif-3301	203	52	radwan	radwan	PROPN
ejif-3301	203	53	(	(	PUNCT
ejif-3301	203	54	2018	2018	NUM
ejif-3301	203	55	)	)	PUNCT
ejif-3301	203	56	studied	study	VERB
ejif-3301	203	57	that	that	SCONJ
ejif-3301	203	58	the	the	DET
ejif-3301	203	59	unconventional	unconventional	ADJ
ejif-3301	203	60	financing	financing	NOUN
ejif-3301	203	61	alternatives	alternative	NOUN
ejif-3301	203	62	could	could	AUX
ejif-3301	203	63	positively	positively	ADV
ejif-3301	203	64	(	(	PUNCT
ejif-3301	203	65	radwan	radwan	NOUN
ejif-3301	203	66	,	,	PUNCT
ejif-3301	203	67	2018	2018	NUM
ejif-3301	203	68	)	)	PUNCT
ejif-3301	203	69	impact	impact	NOUN
ejif-3301	203	70	international	international	ADJ
ejif-3301	203	71	economics	economic	NOUN
ejif-3301	203	72	and	and	CCONJ
ejif-3301	203	73	be	be	AUX
ejif-3301	203	74	a	a	DET
ejif-3301	203	75	viable	viable	ADJ
ejif-3301	203	76	potential	potential	ADJ
ejif-3301	203	77	alternative	alternative	NOUN
ejif-3301	203	78	for	for	ADP
ejif-3301	203	79	financing	financing	NOUN
ejif-3301	203	80	with	with	ADP
ejif-3301	203	81	its	its	PRON
ejif-3301	203	82	diversified	diversified	ADJ
ejif-3301	203	83	instrument	instrument	NOUN
ejif-3301	203	84	for	for	ADP
ejif-3301	203	85	social	social	ADJ
ejif-3301	203	86	enterprise	enterprise	NOUN
ejif-3301	203	87	development	development	NOUN
ejif-3301	203	88	.	.	PUNCT
ejif-3301	204	1	iii	iii	PROPN
ejif-3301	204	2	.	.	PROPN
ejif-3301	204	3	methodology	methodology	PROPN
ejif-3301	204	4	3.1	3.1	NUM
ejif-3301	204	5	theoretical	theoretical	ADJ
ejif-3301	204	6	framework	framework	NOUN
ejif-3301	204	7	of	of	ADP
ejif-3301	204	8	study	study	NOUN
ejif-3301	204	9	:	:	PUNCT
ejif-3301	204	10	moral	moral	ADJ
ejif-3301	204	11	hazard	hazard	NOUN
ejif-3301	204	12	in	in	ADP
ejif-3301	204	13	islamic	islamic	PROPN
ejif-3301	204	14	based	base	VERB
ejif-3301	204	15	financial	financial	ADJ
ejif-3301	204	16	contracts	contract	NOUN
ejif-3301	204	17	can	can	AUX
ejif-3301	204	18	take	take	VERB
ejif-3301	204	19	different	different	ADJ
ejif-3301	204	20	forms	form	NOUN
ejif-3301	204	21	,	,	PUNCT
ejif-3301	204	22	which	which	PRON
ejif-3301	204	23	vary	vary	VERB
ejif-3301	204	24	according	accord	VERB
ejif-3301	204	25	to	to	ADP
ejif-3301	204	26	the	the	DET
ejif-3301	204	27	type	type	NOUN
ejif-3301	204	28	and	and	CCONJ
ejif-3301	204	29	nature	nature	NOUN
ejif-3301	204	30	of	of	ADP
ejif-3301	204	31	the	the	DET
ejif-3301	204	32	contract	contract	NOUN
ejif-3301	204	33	between	between	ADP
ejif-3301	204	34	the	the	DET
ejif-3301	204	35	bank	bank	NOUN
ejif-3301	204	36	and	and	CCONJ
ejif-3301	204	37	the	the	DET
ejif-3301	204	38	client	client	NOUN
ejif-3301	204	39	.	.	PUNCT
ejif-3301	205	1	the	the	DET
ejif-3301	205	2	most	most	ADV
ejif-3301	205	3	common	common	ADJ
ejif-3301	205	4	factors	factor	NOUN
ejif-3301	205	5	triggering	trigger	VERB
ejif-3301	205	6	moral	moral	ADJ
ejif-3301	205	7	hazard	hazard	NOUN
ejif-3301	205	8	are	be	AUX
ejif-3301	205	9	:	:	PUNCT
ejif-3301	205	10	(	(	PUNCT
ejif-3301	205	11	i	i	NOUN
ejif-3301	205	12	)	)	PUNCT
ejif-3301	205	13	the	the	DET
ejif-3301	205	14	borrower	borrower	NOUN
ejif-3301	205	15	using	use	VERB
ejif-3301	205	16	the	the	DET
ejif-3301	205	17	funds	fund	NOUN
ejif-3301	205	18	for	for	ADP
ejif-3301	205	19	different	different	ADJ
ejif-3301	205	20	purposes	purpose	NOUN
ejif-3301	205	21	than	than	SCONJ
ejif-3301	205	22	agreed	agree	VERB
ejif-3301	205	23	with	with	ADP
ejif-3301	205	24	the	the	DET
ejif-3301	205	25	bank	bank	NOUN
ejif-3301	205	26	;	;	PUNCT
ejif-3301	205	27	(	(	PUNCT
ejif-3301	205	28	ii	ii	NOUN
ejif-3301	205	29	)	)	PUNCT
ejif-3301	205	30	the	the	DET
ejif-3301	205	31	borrower	borrower	NOUN
ejif-3301	205	32	not	not	PART
ejif-3301	205	33	reporting	report	VERB
ejif-3301	205	34	the	the	DET
ejif-3301	205	35	profit	profit	NOUN
ejif-3301	205	36	correctly	correctly	ADV
ejif-3301	205	37	and	and	CCONJ
ejif-3301	205	38	truthfully	truthfully	ADV
ejif-3301	205	39	;	;	PUNCT
ejif-3301	205	40	and	and	CCONJ
ejif-3301	205	41	(	(	PUNCT
ejif-3301	205	42	iii	iii	NOUN
ejif-3301	205	43	)	)	PUNCT
ejif-3301	205	44	holding	hold	VERB
ejif-3301	205	45	inside	inside	ADJ
ejif-3301	205	46	information	information	NOUN
ejif-3301	205	47	used	use	VERB
ejif-3301	205	48	against	against	ADP
ejif-3301	205	49	the	the	DET
ejif-3301	205	50	interest	interest	NOUN
ejif-3301	205	51	of	of	ADP
ejif-3301	205	52	the	the	DET
ejif-3301	205	53	bank	bank	NOUN
ejif-3301	205	54	.	.	PUNCT
ejif-3301	206	1	to	to	PART
ejif-3301	206	2	tackle	tackle	VERB
ejif-3301	206	3	the	the	DET
ejif-3301	206	4	moral	moral	ADJ
ejif-3301	206	5	hazard	hazard	NOUN
ejif-3301	206	6	problem	problem	NOUN
ejif-3301	206	7	the	the	DET
ejif-3301	206	8	bank	bank	NOUN
ejif-3301	206	9	needs	need	VERB
ejif-3301	206	10	to	to	PART
ejif-3301	206	11	regularly	regularly	ADV
ejif-3301	206	12	monitor	monitor	VERB
ejif-3301	206	13	the	the	DET
ejif-3301	206	14	performance	performance	NOUN
ejif-3301	206	15	of	of	ADP
ejif-3301	206	16	the	the	DET
ejif-3301	206	17	borrowers	borrower	NOUN
ejif-3301	206	18	by	by	ADP
ejif-3301	206	19	obtaining	obtain	VERB
ejif-3301	206	20	and	and	CCONJ
ejif-3301	206	21	screening	screen	VERB
ejif-3301	206	22	various	various	ADJ
ejif-3301	206	23	types	type	NOUN
ejif-3301	206	24	of	of	ADP
ejif-3301	206	25	financial	financial	ADJ
ejif-3301	206	26	information	information	NOUN
ejif-3301	206	27	,	,	PUNCT
ejif-3301	206	28	such	such	ADJ
ejif-3301	206	29	as	as	ADP
ejif-3301	206	30	statement	statement	NOUN
ejif-3301	206	31	of	of	ADP
ejif-3301	206	32	financial	financial	ADJ
ejif-3301	206	33	position	position	NOUN
ejif-3301	206	34	,	,	PUNCT
ejif-3301	206	35	profit	profit	NOUN
ejif-3301	206	36	and	and	CCONJ
ejif-3301	206	37	loss	loss	NOUN
ejif-3301	206	38	account	account	NOUN
ejif-3301	206	39	,	,	PUNCT
ejif-3301	206	40	cash	cash	NOUN
ejif-3301	206	41	flow	flow	NOUN
ejif-3301	206	42	statement	statement	NOUN
ejif-3301	206	43	,	,	PUNCT
ejif-3301	206	44	and	and	CCONJ
ejif-3301	206	45	statement	statement	NOUN
ejif-3301	206	46	of	of	ADP
ejif-3301	206	47	change	change	NOUN
ejif-3301	206	48	in	in	ADP
ejif-3301	206	49	equity	equity	NOUN
ejif-3301	206	50	.	.	PUNCT
ejif-3301	207	1	banks	bank	NOUN
ejif-3301	207	2	also	also	ADV
ejif-3301	207	3	send	send	VERB
ejif-3301	207	4	inspectors	inspector	NOUN
ejif-3301	207	5	to	to	ADP
ejif-3301	207	6	firms	firm	NOUN
ejif-3301	207	7	to	to	PART
ejif-3301	207	8	monitor	monitor	VERB
ejif-3301	207	9	borrowers	borrower	NOUN
ejif-3301	207	10	’	'	PUNCT
ejif-3301	207	11	progress	progress	NOUN
ejif-3301	207	12	.	.	PUNCT
ejif-3301	208	1	investigating	investigate	VERB
ejif-3301	208	2	moral	moral	ADJ
ejif-3301	208	3	hazard	hazard	NOUN
ejif-3301	208	4	leads	lead	VERB
ejif-3301	208	5	to	to	ADP
ejif-3301	208	6	additional	additional	ADJ
ejif-3301	208	7	costs	cost	NOUN
ejif-3301	208	8	to	to	ADP
ejif-3301	208	9	the	the	DET
ejif-3301	208	10	bank	bank	NOUN
ejif-3301	208	11	and	and	CCONJ
ejif-3301	208	12	the	the	DET
ejif-3301	208	13	outcome	outcome	NOUN
ejif-3301	208	14	of	of	ADP
ejif-3301	208	15	investigation	investigation	NOUN
ejif-3301	208	16	can	can	AUX
ejif-3301	208	17	be	be	AUX
ejif-3301	208	18	either	either	CCONJ
ejif-3301	208	19	a	a	DET
ejif-3301	208	20	success	success	NOUN
ejif-3301	208	21	or	or	CCONJ
ejif-3301	208	22	fail	fail	ADJ
ejif-3301	208	23	.	.	PUNCT
ejif-3301	209	1	where	where	SCONJ
ejif-3301	209	2	:	:	PUNCT
ejif-3301	209	3	mc	mc	PROPN
ejif-3301	209	4	is	be	AUX
ejif-3301	209	5	the	the	DET
ejif-3301	209	6	monitoring	monitoring	NOUN
ejif-3301	209	7	cost	cost	NOUN
ejif-3301	209	8	.	.	PUNCT
ejif-3301	210	1	if	if	SCONJ
ejif-3301	210	2	the	the	DET
ejif-3301	210	3	moral	moral	ADJ
ejif-3301	210	4	hazard	hazard	NOUN
ejif-3301	210	5	is	be	AUX
ejif-3301	210	6	detected	detect	VERB
ejif-3301	210	7	the	the	DET
ejif-3301	210	8	bank	bank	NOUN
ejif-3301	210	9	takes	take	VERB
ejif-3301	210	10	back	back	ADV
ejif-3301	210	11	the	the	DET
ejif-3301	210	12	remaining	remain	VERB
ejif-3301	210	13	value	value	NOUN
ejif-3301	210	14	of	of	ADP
ejif-3301	210	15	the	the	DET
ejif-3301	210	16	asset	asset	NOUN
ejif-3301	210	17	financed	finance	VERB
ejif-3301	210	18	and	and	CCONJ
ejif-3301	210	19	needs	need	VERB
ejif-3301	210	20	to	to	PART
ejif-3301	210	21	forgo	forgo	VERB
ejif-3301	210	22	the	the	DET
ejif-3301	210	23	mark	mark	NOUN
ejif-3301	210	24	-	-	PUNCT
ejif-3301	210	25	up	up	NOUN
ejif-3301	210	26	.	.	PUNCT
ejif-3301	211	1	if	if	SCONJ
ejif-3301	211	2	the	the	DET
ejif-3301	211	3	moral	moral	ADJ
ejif-3301	211	4	hazard	hazard	NOUN
ejif-3301	211	5	is	be	AUX
ejif-3301	211	6	not	not	PART
ejif-3301	211	7	detected	detect	VERB
ejif-3301	211	8	then	then	ADV
ejif-3301	211	9	the	the	DET
ejif-3301	211	10	bank	bank	NOUN
ejif-3301	211	11	bears	bear	VERB
ejif-3301	211	12	the	the	DET
ejif-3301	211	13	monitoring	monitoring	NOUN
ejif-3301	211	14	costs	cost	NOUN
ejif-3301	211	15	and	and	CCONJ
ejif-3301	211	16	the	the	DET
ejif-3301	211	17	borrower	borrower	NOUN
ejif-3301	211	18	continuous	continuous	ADJ
ejif-3301	211	19	to	to	PART
ejif-3301	211	20	retain	retain	VERB
ejif-3301	211	21	the	the	DET
ejif-3301	211	22	asset	asset	NOUN
ejif-3301	211	23	.	.	PUNCT
ejif-3301	212	1	chart	chart	NOUN
ejif-3301	212	2	:	:	PUNCT
ejif-3301	212	3	costs	cost	VERB
ejif-3301	212	4	for	for	ADP
ejif-3301	212	5	impact	impact	NOUN
ejif-3301	212	6	of	of	ADP
ejif-3301	212	7	asymmetric	asymmetric	ADJ
ejif-3301	212	8	information	information	NOUN
ejif-3301	212	9	use	use	NOUN
ejif-3301	212	10	of	of	ADP
ejif-3301	212	11	incentive	incentive	NOUN
ejif-3301	212	12	can	can	AUX
ejif-3301	212	13	overcome	overcome	VERB
ejif-3301	212	14	the	the	DET
ejif-3301	212	15	problem	problem	NOUN
ejif-3301	212	16	of	of	ADP
ejif-3301	212	17	asymmetric	asymmetric	ADJ
ejif-3301	212	18	information	information	NOUN
ejif-3301	212	19	in	in	ADP
ejif-3301	212	20	islamic	islamic	ADJ
ejif-3301	212	21	financial	financial	ADJ
ejif-3301	212	22	contracts.it	contracts.it	PROPN
ejif-3301	212	23	will	will	AUX
ejif-3301	212	24	encourage	encourage	VERB
ejif-3301	212	25	the	the	DET
ejif-3301	212	26	borrowers	borrower	NOUN
ejif-3301	212	27	to	to	PART
ejif-3301	212	28	provide	provide	VERB
ejif-3301	212	29	the	the	DET
ejif-3301	212	30	critical	critical	ADJ
ejif-3301	212	31	data	datum	NOUN
ejif-3301	212	32	of	of	ADP
ejif-3301	212	33	company	company	NOUN
ejif-3301	212	34	that	that	PRON
ejif-3301	212	35	save	save	VERB
ejif-3301	212	36	the	the	DET
ejif-3301	212	37	islamic	islamic	ADJ
ejif-3301	212	38	financial	financial	ADJ
ejif-3301	212	39	institutions	institution	NOUN
ejif-3301	212	40	from	from	ADP
ejif-3301	212	41	moral	moral	ADJ
ejif-3301	212	42	hazard	hazard	NOUN
ejif-3301	212	43	.	.	PUNCT
ejif-3301	213	1	in	in	ADP
ejif-3301	213	2	istisna	istisna	NOUN
ejif-3301	213	3	the	the	DET
ejif-3301	213	4	industry	industry	NOUN
ejif-3301	213	5	practice	practice	NOUN
ejif-3301	213	6	is	be	AUX
ejif-3301	213	7	that	that	DET
ejif-3301	213	8	bank	bank	NOUN
ejif-3301	213	9	after	after	ADP
ejif-3301	213	10	purchasing	purchase	VERB
ejif-3301	213	11	the	the	DET
ejif-3301	213	12	product	product	NOUN
ejif-3301	213	13	from	from	ADP
ejif-3301	213	14	customer	customer	NOUN
ejif-3301	213	15	appoint	appoint	VERB
ejif-3301	213	16	him	he	PRON
ejif-3301	213	17	as	as	ADP
ejif-3301	213	18	agent	agent	NOUN
ejif-3301	213	19	of	of	ADP
ejif-3301	213	20	sale	sale	NOUN
ejif-3301	213	21	in	in	ADP
ejif-3301	213	22	the	the	DET
ejif-3301	213	23	market	market	NOUN
ejif-3301	213	24	on	on	ADP
ejif-3301	213	25	incentive	incentive	NOUN
ejif-3301	213	26	basis	basis	NOUN
ejif-3301	213	27	,	,	PUNCT
ejif-3301	213	28	so	so	CCONJ
ejif-3301	213	29	this	this	DET
ejif-3301	213	30	lead	lead	NOUN
ejif-3301	213	31	to	to	PART
ejif-3301	213	32	work	work	VERB
ejif-3301	213	33	the	the	DET
ejif-3301	213	34	customer	customer	NOUN
ejif-3301	213	35	as	as	ADP
ejif-3301	213	36	an	an	DET
ejif-3301	213	37	agent	agent	NOUN
ejif-3301	213	38	smoothly	smoothly	ADV
ejif-3301	213	39	that	that	PRON
ejif-3301	213	40	will	will	AUX
ejif-3301	213	41	safeguard	safeguard	VERB
ejif-3301	213	42	the	the	DET
ejif-3301	213	43	bank	bank	NOUN
ejif-3301	213	44	from	from	ADP
ejif-3301	213	45	moral	moral	ADJ
ejif-3301	213	46	hazard	hazard	NOUN
ejif-3301	213	47	and	and	CCONJ
ejif-3301	213	48	on	on	ADP
ejif-3301	213	49	the	the	DET
ejif-3301	213	50	other	other	ADJ
ejif-3301	213	51	hand	hand	NOUN
ejif-3301	213	52	customer	customer	NOUN
ejif-3301	213	53	do	do	AUX
ejif-3301	213	54	n’t	not	PART
ejif-3301	213	55	complete	complete	VERB
ejif-3301	213	56	his	his	PRON
ejif-3301	213	57	responsibility	responsibility	NOUN
ejif-3301	213	58	his	his	PRON
ejif-3301	213	59	incentive	incentive	NOUN
ejif-3301	213	60	become	become	VERB
ejif-3301	213	61	zero	zero	NUM
ejif-3301	213	62	so	so	SCONJ
ejif-3301	213	63	that	that	SCONJ
ejif-3301	213	64	bank	bank	NOUN
ejif-3301	213	65	can	can	AUX
ejif-3301	213	66	cover	cover	VERB
ejif-3301	213	67	its	its	PRON
ejif-3301	213	68	share	share	NOUN
ejif-3301	213	69	of	of	ADP
ejif-3301	213	70	loss	loss	NOUN
ejif-3301	213	71	of	of	ADP
ejif-3301	213	72	financing	financing	NOUN
ejif-3301	213	73	cost	cost	NOUN
ejif-3301	213	74	.	.	PUNCT
ejif-3301	214	1	the	the	DET
ejif-3301	214	2	risk	risk	NOUN
ejif-3301	214	3	of	of	ADP
ejif-3301	214	4	adverse	adverse	ADJ
ejif-3301	214	5	selection	selection	NOUN
ejif-3301	214	6	can	can	AUX
ejif-3301	214	7	be	be	AUX
ejif-3301	214	8	solving	solve	VERB
ejif-3301	214	9	by	by	ADP
ejif-3301	214	10	taking	take	VERB
ejif-3301	214	11	security	security	NOUN
ejif-3301	214	12	/collateral	/collateral	ADV
ejif-3301	214	13	from	from	ADP
ejif-3301	214	14	the	the	DET
ejif-3301	214	15	customer	customer	NOUN
ejif-3301	214	16	,	,	PUNCT
ejif-3301	214	17	this	this	PRON
ejif-3301	214	18	shows	show	VERB
ejif-3301	214	19	the	the	DET
ejif-3301	214	20	customer	customer	NOUN
ejif-3301	214	21	creditworthiness	creditworthiness	NOUN
ejif-3301	214	22	.	.	PUNCT
ejif-3301	215	1	so	so	ADV
ejif-3301	215	2	bank	bank	PROPN
ejif-3301	215	3	can	can	AUX
ejif-3301	215	4	cover	cover	VERB
ejif-3301	215	5	his	his	PRON
ejif-3301	215	6	repayment	repayment	NOUN
ejif-3301	215	7	risk	risk	NOUN
ejif-3301	215	8	in	in	ADP
ejif-3301	215	9	murabaha	murabaha	NOUN
ejif-3301	215	10	by	by	ADP
ejif-3301	215	11	disposing	dispose	VERB
ejif-3301	215	12	off	off	ADP
ejif-3301	215	13	the	the	DET
ejif-3301	215	14	security	security	NOUN
ejif-3301	215	15	islamic	islamic	PROPN
ejif-3301	215	16	bank	bank	PROPN
ejif-3301	215	17	also	also	ADV
ejif-3301	215	18	use	use	VERB
ejif-3301	215	19	the	the	DET
ejif-3301	215	20	credit	credit	NOUN
ejif-3301	215	21	rationing	ration	VERB
ejif-3301	215	22	techniques	technique	NOUN
ejif-3301	215	23	as	as	SCONJ
ejif-3301	215	24	the	the	DET
ejif-3301	215	25	conventional	conventional	ADJ
ejif-3301	215	26	do	do	AUX
ejif-3301	215	27	to	to	PART
ejif-3301	215	28	resolve	resolve	VERB
ejif-3301	215	29	the	the	DET
ejif-3301	215	30	issue	issue	NOUN
ejif-3301	215	31	of	of	ADP
ejif-3301	215	32	adverse	adverse	ADJ
ejif-3301	215	33	selection	selection	NOUN
ejif-3301	215	34	,	,	PUNCT
ejif-3301	215	35	after	after	SCONJ
ejif-3301	215	36	some	some	DET
ejif-3301	215	37	period	period	NOUN
ejif-3301	215	38	of	of	ADP
ejif-3301	215	39	time	time	NOUN
ejif-3301	215	40	bank	bank	PROPN
ejif-3301	215	41	can	can	AUX
ejif-3301	215	42	gathered	gather	VERB
ejif-3301	215	43	a	a	DET
ejif-3301	215	44	comprehensive	comprehensive	ADJ
ejif-3301	215	45	data	datum	NOUN
ejif-3301	215	46	about	about	ADP
ejif-3301	215	47	the	the	DET
ejif-3301	215	48	good	good	ADJ
ejif-3301	215	49	and	and	CCONJ
ejif-3301	215	50	bad	bad	ADJ
ejif-3301	215	51	customer	customer	NOUN
ejif-3301	215	52	with	with	ADP
ejif-3301	215	53	which	which	PRON
ejif-3301	215	54	prevent	prevent	VERB
ejif-3301	215	55	him	he	PRON
ejif-3301	215	56	from	from	ADP
ejif-3301	215	57	loss	loss	NOUN
ejif-3301	215	58	.	.	PUNCT
ejif-3301	216	1	3.2	3.2	NUM
ejif-3301	216	2	process	process	NOUN
ejif-3301	216	3	flow	flow	NOUN
ejif-3301	216	4	3.2.1	3.2.1	NUM
ejif-3301	216	5	murabaha	murabaha	NOUN
ejif-3301	216	6	the	the	DET
ejif-3301	216	7	following	follow	VERB
ejif-3301	216	8	process	process	NOUN
ejif-3301	216	9	flow	flow	NOUN
ejif-3301	216	10	serves	serve	VERB
ejif-3301	216	11	as	as	ADP
ejif-3301	216	12	the	the	DET
ejif-3301	216	13	basic	basic	ADJ
ejif-3301	216	14	process	process	NOUN
ejif-3301	216	15	flow	flow	NOUN
ejif-3301	216	16	for	for	ADP
ejif-3301	216	17	murabaha	murabaha	NOUN
ejif-3301	216	18	financing	financing	NOUN
ejif-3301	216	19	(	(	PUNCT
ejif-3301	216	20	excluding	exclude	VERB
ejif-3301	216	21	spot	spot	NOUN
ejif-3301	216	22	murabaha	murabaha	NOUN
ejif-3301	216	23	)	)	PUNCT
ejif-3301	216	24	.	.	PUNCT
ejif-3301	217	1	any	any	DET
ejif-3301	217	2	customer	customer	NOUN
ejif-3301	217	3	willing	willing	ADJ
ejif-3301	217	4	to	to	PART
ejif-3301	217	5	avail	avail	VERB
ejif-3301	217	6	murabaha	murabaha	NOUN
ejif-3301	217	7	financing	financing	NOUN
ejif-3301	217	8	must	must	AUX
ejif-3301	217	9	accept	accept	VERB
ejif-3301	217	10	this	this	DET
ejif-3301	217	11	process	process	NOUN
ejif-3301	217	12	flow	flow	VERB
ejif-3301	217	13	along	along	ADP
ejif-3301	217	14	with	with	ADP
ejif-3301	217	15	the	the	DET
ejif-3301	217	16	customer	customer	NOUN
ejif-3301	217	17	specific	specific	ADJ
ejif-3301	217	18	details	detail	NOUN
ejif-3301	217	19	and	and	CCONJ
ejif-3301	217	20	provide	provide	VERB
ejif-3301	217	21	acknowledgement	acknowledgement	NOUN
ejif-3301	217	22	on	on	ADP
ejif-3301	217	23	the	the	DET
ejif-3301	217	24	format	format	NOUN
ejif-3301	217	25	attached	attach	VERB
ejif-3301	217	26	.	.	PUNCT
ejif-3301	217	27	)	)	PUNCT
ejif-3301	217	28	.	.	PUNCT
ejif-3301	218	1	after	after	SCONJ
ejif-3301	218	2	the	the	DET
ejif-3301	218	3	necessary	necessary	ADJ
ejif-3301	218	4	credit	credit	NOUN
ejif-3301	218	5	and	and	CCONJ
ejif-3301	218	6	shariah	shariah	PROPN
ejif-3301	218	7	approvals	approval	NOUN
ejif-3301	218	8	,	,	PUNCT
ejif-3301	218	9	bank	bank	PROPN
ejif-3301	218	10	and	and	CCONJ
ejif-3301	218	11	the	the	DET
ejif-3301	218	12	customer	customer	NOUN
ejif-3301	218	13	will	will	AUX
ejif-3301	218	14	enter	enter	VERB
ejif-3301	218	15	into	into	ADP
ejif-3301	218	16	mmfa	mmfa	PROPN
ejif-3301	218	17	and	and	CCONJ
ejif-3301	218	18	agency	agency	NOUN
ejif-3301	218	19	agreement	agreement	NOUN
ejif-3301	218	20	for	for	ADP
ejif-3301	218	21	the	the	DET
ejif-3301	218	22	purchase	purchase	NOUN
ejif-3301	218	23	of	of	ADP
ejif-3301	218	24	goods	good	NOUN
ejif-3301	218	25	.	.	PUNCT
ejif-3301	219	1	the	the	DET
ejif-3301	219	2	bank	bank	NOUN
ejif-3301	219	3	representative	representative	NOUN
ejif-3301	219	4	will	will	AUX
ejif-3301	219	5	educate	educate	VERB
ejif-3301	219	6	customer	customer	NOUN
ejif-3301	219	7	about	about	ADP
ejif-3301	219	8	the	the	DET
ejif-3301	219	9	murabaha	murabaha	NOUN
ejif-3301	219	10	process	process	NOUN
ejif-3301	219	11	and	and	CCONJ
ejif-3301	219	12	especially	especially	ADV
ejif-3301	219	13	about	about	ADP
ejif-3301	219	14	the	the	DET
ejif-3301	219	15	importance	importance	NOUN
ejif-3301	219	16	of	of	ADP
ejif-3301	219	17	placing	place	VERB
ejif-3301	219	18	order	order	NOUN
ejif-3301	219	19	form	form	NOUN
ejif-3301	219	20	to	to	ADP
ejif-3301	219	21	bank	bank	NOUN
ejif-3301	219	22	before	before	ADV
ejif-3301	219	23	/	/	SYM
ejif-3301	219	24	along	along	ADP
ejif-3301	219	25	with	with	ADP
ejif-3301	219	26	finalizing	finalize	VERB
ejif-3301	219	27	order	order	NOUN
ejif-3301	219	28	with	with	ADP
ejif-3301	219	29	supplier	supplier	NOUN
ejif-3301	219	30	and	and	CCONJ
ejif-3301	219	31	well	well	ADV
ejif-3301	219	32	before	before	ADP
ejif-3301	219	33	the	the	DET
ejif-3301	219	34	dispatch	dispatch	NOUN
ejif-3301	219	35	of	of	ADP
ejif-3301	219	36	goods	good	NOUN
ejif-3301	219	37	ejif	ejif	PROPN
ejif-3301	219	38	–	–	PUNCT
ejif-3301	219	39	european	european	PROPN
ejif-3301	219	40	journal	journal	PROPN
ejif-3301	219	41	of	of	ADP
ejif-3301	219	42	islamic	islamic	PROPN
ejif-3301	219	43	finance	finance	PROPN
ejif-3301	219	44	no	no	DET
ejif-3301	219	45	14	14	NUM
ejif-3301	219	46	,	,	PUNCT
ejif-3301	219	47	december	december	PROPN
ejif-3301	219	48	(	(	PUNCT
ejif-3301	219	49	2019	2019	NUM
ejif-3301	219	50	)	)	PUNCT
ejif-3301	219	51	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	219	52	issn	issn	VERB
ejif-3301	219	53	2421	2421	NUM
ejif-3301	219	54	-	-	SYM
ejif-3301	219	55	2172	2172	NUM
ejif-3301	219	56	8	8	NUM
ejif-3301	219	57	from	from	ADP
ejif-3301	219	58	the	the	DET
ejif-3301	219	59	supplier	supplier	NOUN
ejif-3301	219	60	’s	’s	PART
ejif-3301	219	61	premises	premise	NOUN
ejif-3301	219	62	,	,	PUNCT
ejif-3301	219	63	signing	sign	VERB
ejif-3301	219	64	of	of	ADP
ejif-3301	219	65	declaration	declaration	NOUN
ejif-3301	219	66	and	and	CCONJ
ejif-3301	219	67	murabaha	murabaha	NOUN
ejif-3301	219	68	contract	contract	NOUN
ejif-3301	219	69	before	before	ADP
ejif-3301	219	70	consumption	consumption	NOUN
ejif-3301	219	71	of	of	ADP
ejif-3301	219	72	goods	good	NOUN
ejif-3301	219	73	and	and	CCONJ
ejif-3301	219	74	storing	store	VERB
ejif-3301	219	75	the	the	DET
ejif-3301	219	76	purchased	purchase	VERB
ejif-3301	219	77	stock	stock	NOUN
ejif-3301	219	78	of	of	ADP
ejif-3301	219	79	goods	good	NOUN
ejif-3301	219	80	separately	separately	ADV
ejif-3301	219	81	from	from	ADP
ejif-3301	219	82	the	the	DET
ejif-3301	219	83	stock	stock	NOUN
ejif-3301	219	84	already	already	ADV
ejif-3301	219	85	present	present	ADJ
ejif-3301	219	86	in	in	ADP
ejif-3301	219	87	the	the	DET
ejif-3301	219	88	warehouse	warehouse	NOUN
ejif-3301	219	89	for	for	ADP
ejif-3301	219	90	proper	proper	ADJ
ejif-3301	219	91	identification	identification	NOUN
ejif-3301	219	92	.	.	PUNCT
ejif-3301	220	1	as	as	ADP
ejif-3301	220	2	an	an	DET
ejif-3301	220	3	agent	agent	NOUN
ejif-3301	220	4	,	,	PUNCT
ejif-3301	220	5	the	the	DET
ejif-3301	220	6	customer	customer	NOUN
ejif-3301	220	7	will	will	AUX
ejif-3301	220	8	negotiate	negotiate	VERB
ejif-3301	220	9	the	the	DET
ejif-3301	220	10	price	price	NOUN
ejif-3301	220	11	of	of	ADP
ejif-3301	220	12	the	the	DET
ejif-3301	220	13	goods	good	NOUN
ejif-3301	220	14	in	in	ADP
ejif-3301	220	15	the	the	DET
ejif-3301	220	16	market	market	NOUN
ejif-3301	220	17	for	for	ADP
ejif-3301	220	18	bank	bank	NOUN
ejif-3301	220	19	and	and	CCONJ
ejif-3301	220	20	finalize	finalize	VERB
ejif-3301	220	21	the	the	DET
ejif-3301	220	22	details	detail	NOUN
ejif-3301	220	23	with	with	ADP
ejif-3301	220	24	the	the	DET
ejif-3301	220	25	suppliers	supplier	NOUN
ejif-3301	220	26	and	and	CCONJ
ejif-3301	220	27	deliver	deliver	VERB
ejif-3301	220	28	an	an	DET
ejif-3301	220	29	order	order	NOUN
ejif-3301	220	30	form	form	NOUN
ejif-3301	220	31	to	to	ADP
ejif-3301	220	32	the	the	DET
ejif-3301	220	33	bank	bank	NOUN
ejif-3301	220	34	before	before	ADV
ejif-3301	220	35	/	/	SYM
ejif-3301	220	36	along	along	ADP
ejif-3301	220	37	with	with	ADP
ejif-3301	220	38	finalizing	finalize	VERB
ejif-3301	220	39	order	order	NOUN
ejif-3301	220	40	with	with	ADP
ejif-3301	220	41	supplier	supplier	NOUN
ejif-3301	220	42	(	(	PUNCT
ejif-3301	220	43	before	before	ADP
ejif-3301	220	44	the	the	DET
ejif-3301	220	45	dispatch	dispatch	NOUN
ejif-3301	220	46	of	of	ADP
ejif-3301	220	47	goods	good	NOUN
ejif-3301	220	48	from	from	ADP
ejif-3301	220	49	the	the	DET
ejif-3301	220	50	supplier	supplier	NOUN
ejif-3301	220	51	’s	’s	PART
ejif-3301	220	52	premises	premise	NOUN
ejif-3301	220	53	)	)	PUNCT
ejif-3301	220	54	.	.	PUNCT
ejif-3301	221	1	the	the	DET
ejif-3301	221	2	disbursement	disbursement	NOUN
ejif-3301	221	3	must	must	AUX
ejif-3301	221	4	be	be	AUX
ejif-3301	221	5	done	do	VERB
ejif-3301	221	6	at	at	ADP
ejif-3301	221	7	the	the	DET
ejif-3301	221	8	time	time	NOUN
ejif-3301	221	9	when	when	SCONJ
ejif-3301	221	10	the	the	DET
ejif-3301	221	11	customer	customer	NOUN
ejif-3301	221	12	has	have	VERB
ejif-3301	221	13	to	to	PART
ejif-3301	221	14	make	make	VERB
ejif-3301	221	15	the	the	DET
ejif-3301	221	16	payment	payment	NOUN
ejif-3301	221	17	to	to	ADP
ejif-3301	221	18	the	the	DET
ejif-3301	221	19	supplier	supplier	NOUN
ejif-3301	221	20	.	.	PUNCT
ejif-3301	222	1	this	this	PRON
ejif-3301	222	2	implies	imply	VERB
ejif-3301	222	3	that	that	SCONJ
ejif-3301	222	4	in	in	ADP
ejif-3301	222	5	case	case	NOUN
ejif-3301	222	6	of	of	ADP
ejif-3301	222	7	advance	advance	NOUN
ejif-3301	222	8	payment	payment	NOUN
ejif-3301	222	9	,	,	PUNCT
ejif-3301	222	10	the	the	DET
ejif-3301	222	11	disbursement	disbursement	NOUN
ejif-3301	222	12	will	will	AUX
ejif-3301	222	13	be	be	AUX
ejif-3301	222	14	done	do	VERB
ejif-3301	222	15	at	at	ADP
ejif-3301	222	16	the	the	DET
ejif-3301	222	17	time	time	NOUN
ejif-3301	222	18	of	of	ADP
ejif-3301	222	19	the	the	DET
ejif-3301	222	20	order	order	NOUN
ejif-3301	222	21	form	form	NOUN
ejif-3301	222	22	.	.	PUNCT
ejif-3301	223	1	in	in	ADP
ejif-3301	223	2	case	case	NOUN
ejif-3301	223	3	of	of	ADP
ejif-3301	223	4	credit	credit	NOUN
ejif-3301	223	5	payments	payment	NOUN
ejif-3301	223	6	,	,	PUNCT
ejif-3301	223	7	the	the	DET
ejif-3301	223	8	disbursement	disbursement	NOUN
ejif-3301	223	9	will	will	AUX
ejif-3301	223	10	be	be	AUX
ejif-3301	223	11	done	do	VERB
ejif-3301	223	12	later	later	ADV
ejif-3301	223	13	i.e.	i.e.	X
ejif-3301	223	14	at	at	ADP
ejif-3301	223	15	the	the	DET
ejif-3301	223	16	expiry	expiry	NOUN
ejif-3301	223	17	of	of	ADP
ejif-3301	223	18	the	the	DET
ejif-3301	223	19	supplier	supplier	NOUN
ejif-3301	223	20	’s	’s	PART
ejif-3301	223	21	credit	credit	NOUN
ejif-3301	223	22	period	period	NOUN
ejif-3301	223	23	(	(	PUNCT
ejif-3301	223	24	which	which	PRON
ejif-3301	223	25	is	be	AUX
ejif-3301	223	26	normally	normally	ADV
ejif-3301	223	27	after	after	ADP
ejif-3301	223	28	the	the	DET
ejif-3301	223	29	declaration	declaration	NOUN
ejif-3301	223	30	and	and	CCONJ
ejif-3301	223	31	murabaha	murabaha	NOUN
ejif-3301	223	32	contract	contract	NOUN
ejif-3301	223	33	)	)	PUNCT
ejif-3301	223	34	.	.	PUNCT
ejif-3301	224	1	the	the	DET
ejif-3301	224	2	disbursement	disbursement	NOUN
ejif-3301	224	3	will	will	AUX
ejif-3301	224	4	be	be	AUX
ejif-3301	224	5	made	make	VERB
ejif-3301	224	6	to	to	ADP
ejif-3301	224	7	customer	customer	VERB
ejif-3301	224	8	’s	’s	PART
ejif-3301	224	9	account	account	NOUN
ejif-3301	224	10	with	with	ADP
ejif-3301	224	11	bank	bank	NOUN
ejif-3301	224	12	for	for	ADP
ejif-3301	224	13	onward	onward	ADJ
ejif-3301	224	14	payment	payment	NOUN
ejif-3301	224	15	to	to	ADP
ejif-3301	224	16	the	the	DET
ejif-3301	224	17	supplier	supplier	NOUN
ejif-3301	224	18	via	via	ADP
ejif-3301	224	19	any	any	DET
ejif-3301	224	20	approved	approve	VERB
ejif-3301	224	21	payment	payment	NOUN
ejif-3301	224	22	instrument	instrument	NOUN
ejif-3301	224	23	in	in	ADP
ejif-3301	224	24	favour	favour	NOUN
ejif-3301	224	25	of	of	ADP
ejif-3301	224	26	suppliers	supplier	NOUN
ejif-3301	224	27	.	.	PUNCT
ejif-3301	225	1	the	the	DET
ejif-3301	225	2	customer	customer	NOUN
ejif-3301	225	3	will	will	AUX
ejif-3301	225	4	provide	provide	VERB
ejif-3301	225	5	copy	copy	NOUN
ejif-3301	225	6	of	of	ADP
ejif-3301	225	7	this	this	DET
ejif-3301	225	8	payment	payment	NOUN
ejif-3301	225	9	instrument	instrument	NOUN
ejif-3301	225	10	payment	payment	NOUN
ejif-3301	225	11	evidence	evidence	NOUN
ejif-3301	225	12	to	to	ADP
ejif-3301	225	13	bank	bank	VERB
ejif-3301	225	14	for	for	ADP
ejif-3301	225	15	100	100	NUM
ejif-3301	225	16	%	%	NOUN
ejif-3301	225	17	of	of	ADP
ejif-3301	225	18	the	the	DET
ejif-3301	225	19	sub	sub	NOUN
ejif-3301	225	20	murabaha	murabaha	NOUN
ejif-3301	225	21	transactions	transaction	NOUN
ejif-3301	225	22	.	.	PUNCT
ejif-3301	226	1	upon	upon	SCONJ
ejif-3301	226	2	receipt	receipt	NOUN
ejif-3301	226	3	of	of	ADP
ejif-3301	226	4	goods	good	NOUN
ejif-3301	226	5	,	,	PUNCT
ejif-3301	226	6	the	the	DET
ejif-3301	226	7	customer	customer	NOUN
ejif-3301	226	8	will	will	AUX
ejif-3301	226	9	declare	declare	VERB
ejif-3301	226	10	the	the	DET
ejif-3301	226	11	goods	good	NOUN
ejif-3301	226	12	through	through	ADP
ejif-3301	226	13	declaration	declaration	NOUN
ejif-3301	226	14	form	form	NOUN
ejif-3301	226	15	in	in	ADP
ejif-3301	226	16	the	the	DET
ejif-3301	226	17	days	day	NOUN
ejif-3301	226	18	mentioned	mention	VERB
ejif-3301	226	19	in	in	ADP
ejif-3301	226	20	the	the	DET
ejif-3301	226	21	customer	customer	NOUN
ejif-3301	226	22	specific	specific	ADJ
ejif-3301	226	23	details	detail	NOUN
ejif-3301	226	24	along	along	ADP
ejif-3301	226	25	with	with	ADP
ejif-3301	226	26	providing	provide	VERB
ejif-3301	226	27	the	the	DET
ejif-3301	226	28	purchase	purchase	NOUN
ejif-3301	226	29	evidences	evidence	NOUN
ejif-3301	226	30	goods	good	NOUN
ejif-3301	226	31	receipt	receipt	NOUN
ejif-3301	226	32	evidence	evidence	NOUN
ejif-3301	226	33	for	for	ADP
ejif-3301	226	34	100	100	NUM
ejif-3301	226	35	%	%	NOUN
ejif-3301	226	36	of	of	ADP
ejif-3301	226	37	the	the	DET
ejif-3301	226	38	sub	sub	NOUN
ejif-3301	226	39	murabaha	murabaha	NOUN
ejif-3301	226	40	transactions	transaction	NOUN
ejif-3301	226	41	.	.	PUNCT
ejif-3301	227	1	simultaneously	simultaneously	ADV
ejif-3301	227	2	,	,	PUNCT
ejif-3301	227	3	customer	customer	NOUN
ejif-3301	227	4	will	will	AUX
ejif-3301	227	5	give	give	VERB
ejif-3301	227	6	an	an	DET
ejif-3301	227	7	offer	offer	NOUN
ejif-3301	227	8	to	to	PART
ejif-3301	227	9	bank	bank	VERB
ejif-3301	227	10	to	to	PART
ejif-3301	227	11	purchase	purchase	VERB
ejif-3301	227	12	the	the	DET
ejif-3301	227	13	goods	good	NOUN
ejif-3301	227	14	via	via	ADP
ejif-3301	227	15	murabaha	murabaha	NOUN
ejif-3301	227	16	contract	contract	NOUN
ejif-3301	227	17	.	.	PUNCT
ejif-3301	228	1	it	it	PRON
ejif-3301	228	2	must	must	AUX
ejif-3301	228	3	be	be	AUX
ejif-3301	228	4	ensured	ensure	VERB
ejif-3301	228	5	by	by	ADP
ejif-3301	228	6	the	the	DET
ejif-3301	228	7	customer	customer	NOUN
ejif-3301	228	8	that	that	PRON
ejif-3301	228	9	the	the	DET
ejif-3301	228	10	goods	good	NOUN
ejif-3301	228	11	are	be	AUX
ejif-3301	228	12	not	not	PART
ejif-3301	228	13	consumed	consume	VERB
ejif-3301	228	14	before	before	ADP
ejif-3301	228	15	signing	signing	NOUN
ejif-3301	228	16	of	of	ADP
ejif-3301	228	17	declaration	declaration	NOUN
ejif-3301	228	18	form	form	NOUN
ejif-3301	228	19	&	&	CCONJ
ejif-3301	228	20	murabaha	murabaha	PROPN
ejif-3301	228	21	contract	contract	NOUN
ejif-3301	228	22	.	.	PUNCT
ejif-3301	229	1	in	in	ADP
ejif-3301	229	2	case	case	NOUN
ejif-3301	229	3	of	of	ADP
ejif-3301	229	4	partial	partial	ADJ
ejif-3301	229	5	deliveries	delivery	NOUN
ejif-3301	229	6	,	,	PUNCT
ejif-3301	229	7	separate	separate	ADJ
ejif-3301	229	8	partial	partial	ADJ
ejif-3301	229	9	declaration	declaration	NOUN
ejif-3301	229	10	form	form	NOUN
ejif-3301	229	11	and	and	CCONJ
ejif-3301	229	12	murabaha	murabaha	NOUN
ejif-3301	229	13	contract	contract	NOUN
ejif-3301	229	14	must	must	AUX
ejif-3301	229	15	be	be	AUX
ejif-3301	229	16	executed	execute	VERB
ejif-3301	229	17	immediately	immediately	ADV
ejif-3301	229	18	for	for	ADP
ejif-3301	229	19	each	each	DET
ejif-3301	229	20	delivery	delivery	NOUN
ejif-3301	229	21	trench	trench	NOUN
ejif-3301	229	22	.	.	PUNCT
ejif-3301	230	1	to	to	PART
ejif-3301	230	2	ensure	ensure	VERB
ejif-3301	230	3	that	that	SCONJ
ejif-3301	230	4	goods	good	NOUN
ejif-3301	230	5	are	be	AUX
ejif-3301	230	6	not	not	PART
ejif-3301	230	7	consumed	consume	VERB
ejif-3301	230	8	before	before	ADP
ejif-3301	230	9	signing	signing	NOUN
ejif-3301	230	10	of	of	ADP
ejif-3301	230	11	declaration	declaration	NOUN
ejif-3301	230	12	form	form	NOUN
ejif-3301	230	13	&	&	CCONJ
ejif-3301	230	14	murabaha	murabaha	PROPN
ejif-3301	230	15	contract	contract	NOUN
ejif-3301	230	16	,	,	PUNCT
ejif-3301	230	17	the	the	DET
ejif-3301	230	18	bank	bank	NOUN
ejif-3301	230	19	representative	representative	NOUN
ejif-3301	230	20	will	will	AUX
ejif-3301	230	21	also	also	ADV
ejif-3301	230	22	perform	perform	VERB
ejif-3301	230	23	random	random	ADJ
ejif-3301	230	24	physical	physical	ADJ
ejif-3301	230	25	inspections	inspection	NOUN
ejif-3301	230	26	of	of	ADP
ejif-3301	230	27	purchased	purchase	VERB
ejif-3301	230	28	stock	stock	NOUN
ejif-3301	230	29	in	in	ADP
ejif-3301	230	30	the	the	DET
ejif-3301	230	31	no	no	NOUN
ejif-3301	230	32	.	.	PUNCT
ejif-3301	231	1	of	of	ADP
ejif-3301	231	2	sub	sub	PROPN
ejif-3301	231	3	murabaha	murabaha	NOUN
ejif-3301	231	4	transactions	transaction	NOUN
ejif-3301	231	5	mentioned	mention	VERB
ejif-3301	231	6	in	in	ADP
ejif-3301	231	7	the	the	DET
ejif-3301	231	8	customer	customer	NOUN
ejif-3301	231	9	specific	specific	ADJ
ejif-3301	231	10	details	detail	NOUN
ejif-3301	231	11	&	&	CCONJ
ejif-3301	231	12	telephonic	telephonic	ADJ
ejif-3301	231	13	confirmation	confirmation	NOUN
ejif-3301	231	14	report	report	NOUN
ejif-3301	231	15	(	(	PUNCT
ejif-3301	231	16	in	in	SCONJ
ejif-3301	231	17	case	case	NOUN
ejif-3301	231	18	physical	physical	ADJ
ejif-3301	231	19	inspection	inspection	NOUN
ejif-3301	231	20	is	be	AUX
ejif-3301	231	21	not	not	PART
ejif-3301	231	22	conducted	conduct	VERB
ejif-3301	231	23	)	)	PUNCT
ejif-3301	231	24	will	will	AUX
ejif-3301	231	25	also	also	ADV
ejif-3301	231	26	be	be	AUX
ejif-3301	231	27	enclosed	enclose	VERB
ejif-3301	231	28	with	with	ADP
ejif-3301	231	29	the	the	DET
ejif-3301	231	30	declaration	declaration	NOUN
ejif-3301	231	31	form	form	NOUN
ejif-3301	231	32	&	&	CCONJ
ejif-3301	231	33	murabaha	murabaha	PROPN
ejif-3301	231	34	contract	contract	NOUN
ejif-3301	231	35	.	.	PUNCT
ejif-3301	232	1	upon	upon	SCONJ
ejif-3301	232	2	confirmation	confirmation	NOUN
ejif-3301	232	3	,	,	PUNCT
ejif-3301	232	4	bank	bank	NOUN
ejif-3301	232	5	will	will	AUX
ejif-3301	232	6	accept	accept	VERB
ejif-3301	232	7	the	the	DET
ejif-3301	232	8	offer	offer	NOUN
ejif-3301	232	9	by	by	ADP
ejif-3301	232	10	signing	sign	VERB
ejif-3301	232	11	the	the	DET
ejif-3301	232	12	murabaha	murabaha	NOUN
ejif-3301	232	13	contract	contract	NOUN
ejif-3301	232	14	and	and	CCONJ
ejif-3301	232	15	the	the	DET
ejif-3301	232	16	ownership	ownership	NOUN
ejif-3301	232	17	of	of	ADP
ejif-3301	232	18	assets	asset	NOUN
ejif-3301	232	19	will	will	AUX
ejif-3301	232	20	transfer	transfer	VERB
ejif-3301	232	21	to	to	ADP
ejif-3301	232	22	the	the	DET
ejif-3301	232	23	customer	customer	NOUN
ejif-3301	232	24	.	.	PUNCT
ejif-3301	233	1	at	at	ADP
ejif-3301	233	2	this	this	DET
ejif-3301	233	3	stage	stage	NOUN
ejif-3301	233	4	,	,	PUNCT
ejif-3301	233	5	the	the	DET
ejif-3301	233	6	tenor	tenor	NOUN
ejif-3301	233	7	of	of	ADP
ejif-3301	233	8	sub	sub	PROPN
ejif-3301	233	9	murabaha	murabaha	NOUN
ejif-3301	233	10	,	,	PUNCT
ejif-3301	233	11	contract	contract	NOUN
ejif-3301	233	12	price	price	NOUN
ejif-3301	233	13	and	and	CCONJ
ejif-3301	233	14	payment	payment	NOUN
ejif-3301	233	15	schedule	schedule	NOUN
ejif-3301	233	16	will	will	AUX
ejif-3301	233	17	be	be	AUX
ejif-3301	233	18	finalized	finalize	VERB
ejif-3301	233	19	through	through	ADP
ejif-3301	233	20	payment	payment	NOUN
ejif-3301	233	21	schedule	schedule	NOUN
ejif-3301	233	22	.	.	PUNCT
ejif-3301	234	1	in	in	ADP
ejif-3301	234	2	order	order	NOUN
ejif-3301	234	3	to	to	PART
ejif-3301	234	4	ensure	ensure	VERB
ejif-3301	234	5	that	that	SCONJ
ejif-3301	234	6	acceptance	acceptance	NOUN
ejif-3301	234	7	of	of	ADP
ejif-3301	234	8	murabaha	murabaha	NOUN
ejif-3301	234	9	contract	contract	NOUN
ejif-3301	234	10	is	be	AUX
ejif-3301	234	11	communicated	communicate	VERB
ejif-3301	234	12	to	to	ADP
ejif-3301	234	13	the	the	DET
ejif-3301	234	14	customer	customer	NOUN
ejif-3301	234	15	,	,	PUNCT
ejif-3301	234	16	the	the	DET
ejif-3301	234	17	bank	bank	NOUN
ejif-3301	234	18	representative	representative	NOUN
ejif-3301	234	19	must	must	AUX
ejif-3301	234	20	communicate	communicate	VERB
ejif-3301	234	21	the	the	DET
ejif-3301	234	22	acceptance	acceptance	NOUN
ejif-3301	234	23	of	of	ADP
ejif-3301	234	24	murabaha	murabaha	NOUN
ejif-3301	234	25	contract	contract	NOUN
ejif-3301	234	26	to	to	ADP
ejif-3301	234	27	the	the	DET
ejif-3301	234	28	customer	customer	NOUN
ejif-3301	234	29	via	via	ADP
ejif-3301	234	30	email	email	NOUN
ejif-3301	234	31	/	/	SYM
ejif-3301	234	32	telephone	telephone	NOUN
ejif-3301	234	33	/	/	SYM
ejif-3301	234	34	fax	fax	NOUN
ejif-3301	234	35	etc	etc	X
ejif-3301	234	36	immediately	immediately	ADV
ejif-3301	234	37	on	on	ADP
ejif-3301	234	38	the	the	DET
ejif-3301	234	39	same	same	ADJ
ejif-3301	234	40	day	day	NOUN
ejif-3301	234	41	of	of	ADP
ejif-3301	234	42	acceptance	acceptance	NOUN
ejif-3301	234	43	of	of	ADP
ejif-3301	234	44	murabaha	murabaha	NOUN
ejif-3301	234	45	contract	contract	NOUN
ejif-3301	234	46	.	.	PUNCT
ejif-3301	235	1	for	for	ADP
ejif-3301	235	2	record	record	NOUN
ejif-3301	235	3	and	and	CCONJ
ejif-3301	235	4	control	control	NOUN
ejif-3301	235	5	purposes	purpose	NOUN
ejif-3301	235	6	the	the	DET
ejif-3301	235	7	bank	bank	NOUN
ejif-3301	235	8	's	's	PART
ejif-3301	235	9	representative	representative	NOUN
ejif-3301	235	10	must	must	AUX
ejif-3301	235	11	also	also	ADV
ejif-3301	235	12	mention	mention	VERB
ejif-3301	235	13	over	over	ADP
ejif-3301	235	14	the	the	DET
ejif-3301	235	15	murabaha	murabaha	NOUN
ejif-3301	235	16	contract	contract	NOUN
ejif-3301	235	17	the	the	DET
ejif-3301	235	18	date	date	NOUN
ejif-3301	235	19	and	and	CCONJ
ejif-3301	235	20	mode	mode	NOUN
ejif-3301	235	21	of	of	ADP
ejif-3301	235	22	communication	communication	NOUN
ejif-3301	235	23	of	of	ADP
ejif-3301	235	24	acceptance	acceptance	NOUN
ejif-3301	235	25	along	along	ADP
ejif-3301	235	26	with	with	ADP
ejif-3301	235	27	name	name	NOUN
ejif-3301	235	28	of	of	ADP
ejif-3301	235	29	the	the	DET
ejif-3301	235	30	customer	customer	NOUN
ejif-3301	235	31	's	's	PART
ejif-3301	235	32	representative	representative	NOUN
ejif-3301	235	33	to	to	PART
ejif-3301	235	34	whom	whom	PRON
ejif-3301	235	35	acceptance	acceptance	NOUN
ejif-3301	235	36	was	be	AUX
ejif-3301	235	37	communicated	communicate	VERB
ejif-3301	235	38	.	.	PUNCT
ejif-3301	236	1	in	in	ADP
ejif-3301	236	2	case	case	NOUN
ejif-3301	236	3	of	of	ADP
ejif-3301	236	4	email	email	NOUN
ejif-3301	236	5	of	of	ADP
ejif-3301	236	6	fax	fax	NOUN
ejif-3301	236	7	,	,	PUNCT
ejif-3301	236	8	a	a	DET
ejif-3301	236	9	copy	copy	NOUN
ejif-3301	236	10	of	of	ADP
ejif-3301	236	11	the	the	DET
ejif-3301	236	12	same	same	ADJ
ejif-3301	236	13	maybe	maybe	ADV
ejif-3301	236	14	attached	attach	VERB
ejif-3301	236	15	.	.	PUNCT
ejif-3301	237	1	the	the	DET
ejif-3301	237	2	customer	customer	NOUN
ejif-3301	237	3	will	will	AUX
ejif-3301	237	4	settle	settle	VERB
ejif-3301	237	5	sub	sub	NOUN
ejif-3301	237	6	murabaha	murabaha	NOUN
ejif-3301	237	7	on	on	ADP
ejif-3301	237	8	or	or	CCONJ
ejif-3301	237	9	before	before	ADP
ejif-3301	237	10	the	the	DET
ejif-3301	237	11	maturity	maturity	NOUN
ejif-3301	237	12	from	from	ADP
ejif-3301	237	13	its	its	PRON
ejif-3301	237	14	own	own	ADJ
ejif-3301	237	15	sources	source	NOUN
ejif-3301	237	16	3.2.2	3.2.2	NUM
ejif-3301	237	17	istisna	istisna	NOUN
ejif-3301	237	18	the	the	DET
ejif-3301	237	19	following	follow	VERB
ejif-3301	237	20	process	process	NOUN
ejif-3301	237	21	flow	flow	NOUN
ejif-3301	237	22	serves	serve	VERB
ejif-3301	237	23	as	as	ADP
ejif-3301	237	24	the	the	DET
ejif-3301	237	25	basic	basic	ADJ
ejif-3301	237	26	process	process	NOUN
ejif-3301	237	27	flow	flow	NOUN
ejif-3301	237	28	for	for	ADP
ejif-3301	237	29	istisna	istisna	NOUN
ejif-3301	237	30	financing	financing	NOUN
ejif-3301	237	31	.	.	PUNCT
ejif-3301	238	1	any	any	DET
ejif-3301	238	2	customer	customer	NOUN
ejif-3301	238	3	willing	willing	ADJ
ejif-3301	238	4	to	to	PART
ejif-3301	238	5	avail	avail	VERB
ejif-3301	238	6	istisna	istisna	NOUN
ejif-3301	238	7	financing	financing	NOUN
ejif-3301	238	8	must	must	AUX
ejif-3301	238	9	accept	accept	VERB
ejif-3301	238	10	this	this	DET
ejif-3301	238	11	process	process	NOUN
ejif-3301	238	12	flow	flow	VERB
ejif-3301	238	13	along	along	ADP
ejif-3301	238	14	with	with	ADP
ejif-3301	238	15	the	the	DET
ejif-3301	238	16	customer	customer	NOUN
ejif-3301	238	17	specific	specific	ADJ
ejif-3301	238	18	details	detail	NOUN
ejif-3301	238	19	and	and	CCONJ
ejif-3301	238	20	provide	provide	VERB
ejif-3301	238	21	acknowledgement	acknowledgement	NOUN
ejif-3301	238	22	on	on	ADP
ejif-3301	238	23	the	the	DET
ejif-3301	238	24	format	format	NOUN
ejif-3301	238	25	attached	attach	VERB
ejif-3301	238	26	.	.	PUNCT
ejif-3301	239	1	after	after	SCONJ
ejif-3301	239	2	the	the	DET
ejif-3301	239	3	necessary	necessary	ADJ
ejif-3301	239	4	credit	credit	NOUN
ejif-3301	239	5	and	and	CCONJ
ejif-3301	239	6	shariah	shariah	PROPN
ejif-3301	239	7	approvals	approval	NOUN
ejif-3301	239	8	,	,	PUNCT
ejif-3301	239	9	bank	bank	PROPN
ejif-3301	239	10	and	and	CCONJ
ejif-3301	239	11	the	the	DET
ejif-3301	239	12	customer	customer	NOUN
ejif-3301	239	13	will	will	AUX
ejif-3301	239	14	enter	enter	VERB
ejif-3301	239	15	into	into	ADP
ejif-3301	239	16	mifa	mifa	PROPN
ejif-3301	239	17	and	and	CCONJ
ejif-3301	239	18	agency	agency	NOUN
ejif-3301	239	19	agreement	agreement	NOUN
ejif-3301	239	20	for	for	ADP
ejif-3301	239	21	the	the	DET
ejif-3301	239	22	sale	sale	NOUN
ejif-3301	239	23	of	of	ADP
ejif-3301	239	24	goods	good	NOUN
ejif-3301	239	25	manufactured	manufacture	VERB
ejif-3301	239	26	by	by	ADP
ejif-3301	239	27	customer	customer	NOUN
ejif-3301	239	28	the	the	DET
ejif-3301	239	29	bank	bank	NOUN
ejif-3301	239	30	representative	representative	NOUN
ejif-3301	239	31	will	will	AUX
ejif-3301	239	32	educate	educate	VERB
ejif-3301	239	33	customer	customer	NOUN
ejif-3301	239	34	about	about	ADP
ejif-3301	239	35	the	the	DET
ejif-3301	239	36	istisna	istisna	NOUN
ejif-3301	239	37	process	process	NOUN
ejif-3301	239	38	and	and	CCONJ
ejif-3301	239	39	especially	especially	ADV
ejif-3301	239	40	about	about	ADP
ejif-3301	239	41	the	the	DET
ejif-3301	239	42	importance	importance	NOUN
ejif-3301	239	43	of	of	ADP
ejif-3301	239	44	placing	place	VERB
ejif-3301	239	45	written	write	VERB
ejif-3301	239	46	offer	offer	NOUN
ejif-3301	239	47	to	to	PART
ejif-3301	239	48	bank	bank	VERB
ejif-3301	239	49	before	before	ADV
ejif-3301	239	50	/	/	SYM
ejif-3301	239	51	along	along	ADP
ejif-3301	239	52	with	with	ADP
ejif-3301	239	53	finalizing	finalize	VERB
ejif-3301	239	54	order	order	NOUN
ejif-3301	239	55	,	,	PUNCT
ejif-3301	239	56	signing	sign	VERB
ejif-3301	239	57	of	of	ADP
ejif-3301	239	58	declaration	declaration	NOUN
ejif-3301	239	59	and	and	CCONJ
ejif-3301	239	60	istisna	istisna	NOUN
ejif-3301	239	61	contract	contract	NOUN
ejif-3301	239	62	before	before	ADP
ejif-3301	239	63	selling	sell	VERB
ejif-3301	239	64	the	the	DET
ejif-3301	239	65	goods	good	NOUN
ejif-3301	239	66	in	in	ADP
ejif-3301	239	67	the	the	DET
ejif-3301	239	68	market	market	NOUN
ejif-3301	239	69	on	on	ADP
ejif-3301	239	70	behalf	behalf	NOUN
ejif-3301	239	71	of	of	ADP
ejif-3301	239	72	bank	bank	NOUN
ejif-3301	239	73	agent	agent	NOUN
ejif-3301	239	74	.	.	PUNCT
ejif-3301	240	1	as	as	ADP
ejif-3301	240	2	a	a	DET
ejif-3301	240	3	manufacturer	manufacturer	NOUN
ejif-3301	240	4	,	,	PUNCT
ejif-3301	240	5	the	the	DET
ejif-3301	240	6	customer	customer	NOUN
ejif-3301	240	7	will	will	AUX
ejif-3301	240	8	negotiate	negotiate	VERB
ejif-3301	240	9	the	the	DET
ejif-3301	240	10	price	price	NOUN
ejif-3301	240	11	of	of	ADP
ejif-3301	240	12	the	the	DET
ejif-3301	240	13	goods	good	NOUN
ejif-3301	240	14	with	with	ADP
ejif-3301	240	15	the	the	DET
ejif-3301	240	16	bank	bank	NOUN
ejif-3301	240	17	,	,	PUNCT
ejif-3301	240	18	finalize	finalize	VERB
ejif-3301	240	19	the	the	DET
ejif-3301	240	20	details	detail	NOUN
ejif-3301	240	21	with	with	ADP
ejif-3301	240	22	the	the	DET
ejif-3301	240	23	bank	bank	NOUN
ejif-3301	240	24	,	,	PUNCT
ejif-3301	240	25	and	and	CCONJ
ejif-3301	240	26	deliver	deliver	VERB
ejif-3301	240	27	a	a	DET
ejif-3301	240	28	written	write	VERB
ejif-3301	240	29	offer	offer	NOUN
ejif-3301	240	30	to	to	ADP
ejif-3301	240	31	the	the	DET
ejif-3301	240	32	bank	bank	NOUN
ejif-3301	240	33	before	before	ADV
ejif-3301	240	34	/	/	SYM
ejif-3301	240	35	along	along	ADP
ejif-3301	240	36	with	with	ADP
ejif-3301	240	37	finalizing	finalize	VERB
ejif-3301	240	38	order	order	NOUN
ejif-3301	240	39	.	.	PUNCT
ejif-3301	241	1	the	the	DET
ejif-3301	241	2	disbursement	disbursement	NOUN
ejif-3301	241	3	must	must	AUX
ejif-3301	241	4	be	be	AUX
ejif-3301	241	5	done	do	VERB
ejif-3301	241	6	at	at	ADP
ejif-3301	241	7	the	the	DET
ejif-3301	241	8	time	time	NOUN
ejif-3301	241	9	when	when	SCONJ
ejif-3301	241	10	the	the	DET
ejif-3301	241	11	customer	customer	NOUN
ejif-3301	241	12	has	have	VERB
ejif-3301	241	13	to	to	PART
ejif-3301	241	14	make	make	VERB
ejif-3301	241	15	the	the	DET
ejif-3301	241	16	written	write	VERB
ejif-3301	241	17	offer	offer	NOUN
ejif-3301	241	18	to	to	ADP
ejif-3301	241	19	the	the	DET
ejif-3301	241	20	bank	bank	NOUN
ejif-3301	241	21	.	.	PUNCT
ejif-3301	242	1	in	in	ADP
ejif-3301	242	2	cases	case	NOUN
ejif-3301	242	3	there	there	PRON
ejif-3301	242	4	should	should	AUX
ejif-3301	242	5	be	be	AUX
ejif-3301	242	6	advance	advance	ADJ
ejif-3301	242	7	payment	payment	NOUN
ejif-3301	242	8	which	which	PRON
ejif-3301	242	9	generates	generate	VERB
ejif-3301	242	10	the	the	DET
ejif-3301	242	11	running	running	NOUN
ejif-3301	242	12	for	for	ADP
ejif-3301	242	13	customer	customer	NOUN
ejif-3301	242	14	.	.	PUNCT
ejif-3301	243	1	upon	upon	SCONJ
ejif-3301	243	2	receipt	receipt	NOUN
ejif-3301	243	3	of	of	ADP
ejif-3301	243	4	goods	good	NOUN
ejif-3301	243	5	,	,	PUNCT
ejif-3301	243	6	the	the	DET
ejif-3301	243	7	customer	customer	NOUN
ejif-3301	243	8	will	will	AUX
ejif-3301	243	9	declare	declare	VERB
ejif-3301	243	10	the	the	DET
ejif-3301	243	11	goods	good	NOUN
ejif-3301	243	12	through	through	ADP
ejif-3301	243	13	grn	grn	PROPN
ejif-3301	243	14	(	(	PUNCT
ejif-3301	243	15	goods	good	NOUN
ejif-3301	243	16	receiving	receive	VERB
ejif-3301	243	17	note	note	NOUN
ejif-3301	243	18	)	)	PUNCT
ejif-3301	243	19	in	in	ADP
ejif-3301	243	20	the	the	DET
ejif-3301	243	21	days	day	NOUN
ejif-3301	243	22	mentioned	mention	VERB
ejif-3301	243	23	in	in	ADP
ejif-3301	243	24	the	the	DET
ejif-3301	243	25	customer	customer	NOUN
ejif-3301	243	26	specific	specific	ADJ
ejif-3301	243	27	details	detail	NOUN
ejif-3301	243	28	along	along	ADP
ejif-3301	243	29	with	with	ADP
ejif-3301	243	30	verified	verified	ADJ
ejif-3301	243	31	quality	quality	NOUN
ejif-3301	243	32	.	.	PUNCT
ejif-3301	244	1	ejif	ejif	PROPN
ejif-3301	244	2	–	–	PUNCT
ejif-3301	244	3	european	european	PROPN
ejif-3301	244	4	journal	journal	PROPN
ejif-3301	244	5	of	of	ADP
ejif-3301	244	6	islamic	islamic	PROPN
ejif-3301	244	7	finance	finance	PROPN
ejif-3301	244	8	no	no	DET
ejif-3301	244	9	14	14	NUM
ejif-3301	244	10	,	,	PUNCT
ejif-3301	244	11	december	december	PROPN
ejif-3301	244	12	(	(	PUNCT
ejif-3301	244	13	2019	2019	NUM
ejif-3301	244	14	)	)	PUNCT
ejif-3301	245	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	245	2	issn	issn	VERB
ejif-3301	245	3	2421	2421	NUM
ejif-3301	245	4	-	-	SYM
ejif-3301	245	5	2172	2172	NUM
ejif-3301	245	6	9	9	NUM
ejif-3301	245	7	simultaneously	simultaneously	ADV
ejif-3301	245	8	,	,	PUNCT
ejif-3301	245	9	customer	customer	NOUN
ejif-3301	245	10	will	will	AUX
ejif-3301	245	11	give	give	VERB
ejif-3301	245	12	an	an	DET
ejif-3301	245	13	offer	offer	NOUN
ejif-3301	245	14	from	from	ADP
ejif-3301	245	15	bank	bank	NOUN
ejif-3301	245	16	to	to	PART
ejif-3301	245	17	sell	sell	VERB
ejif-3301	245	18	the	the	DET
ejif-3301	245	19	goods	good	NOUN
ejif-3301	245	20	via	via	ADP
ejif-3301	245	21	sale	sale	NOUN
ejif-3301	245	22	contract	contract	NOUN
ejif-3301	245	23	.	.	PUNCT
ejif-3301	246	1	the	the	DET
ejif-3301	246	2	customer	customer	NOUN
ejif-3301	246	3	act	act	NOUN
ejif-3301	246	4	as	as	ADP
ejif-3301	246	5	agent	agent	NOUN
ejif-3301	246	6	with	with	ADP
ejif-3301	246	7	agency	agency	NOUN
ejif-3301	246	8	fees	fee	NOUN
ejif-3301	246	9	also	also	ADV
ejif-3301	246	10	customer	customer	NOUN
ejif-3301	246	11	has	have	AUX
ejif-3301	246	12	given	give	VERB
ejif-3301	246	13	an	an	DET
ejif-3301	246	14	incentive	incentive	NOUN
ejif-3301	246	15	also	also	ADV
ejif-3301	246	16	which	which	PRON
ejif-3301	246	17	is	be	AUX
ejif-3301	246	18	over	over	ADV
ejif-3301	246	19	and	and	CCONJ
ejif-3301	246	20	above	above	ADP
ejif-3301	246	21	the	the	DET
ejif-3301	246	22	bank	bank	NOUN
ejif-3301	246	23	target	target	NOUN
ejif-3301	246	24	selling	sell	VERB
ejif-3301	246	25	price.in	price.in	NUM
ejif-3301	246	26	this	this	DET
ejif-3301	246	27	price	price	NOUN
ejif-3301	246	28	bank	bank	NOUN
ejif-3301	246	29	can	can	AUX
ejif-3301	246	30	receive	receive	VERB
ejif-3301	246	31	it	it	PRON
ejif-3301	246	32	’s	’	VERB
ejif-3301	246	33	in	in	ADP
ejif-3301	246	34	istisna	istisna	NOUN
ejif-3301	246	35	customer	customer	NOUN
ejif-3301	246	36	to	to	PART
ejif-3301	246	37	settle	settle	VERB
ejif-3301	246	38	the	the	DET
ejif-3301	246	39	bank	bank	NOUN
ejif-3301	246	40	payment	payment	NOUN
ejif-3301	246	41	on	on	ADP
ejif-3301	246	42	maturity	maturity	NOUN
ejif-3301	246	43	from	from	ADP
ejif-3301	246	44	original	original	ADJ
ejif-3301	246	45	proceeds	proceed	NOUN
ejif-3301	246	46	from	from	ADP
ejif-3301	246	47	end	end	NOUN
ejif-3301	246	48	buyer	buyer	NOUN
ejif-3301	246	49	,	,	PUNCT
ejif-3301	246	50	customer	customer	NOUN
ejif-3301	246	51	is	be	AUX
ejif-3301	246	52	not	not	PART
ejif-3301	246	53	allowed	allow	VERB
ejif-3301	246	54	to	to	PART
ejif-3301	246	55	repay	repay	VERB
ejif-3301	246	56	to	to	ADP
ejif-3301	246	57	from	from	ADP
ejif-3301	246	58	his	his	PRON
ejif-3301	246	59	own	own	ADJ
ejif-3301	246	60	resource	resource	NOUN
ejif-3301	246	61	because	because	SCONJ
ejif-3301	246	62	it	it	PRON
ejif-3301	246	63	is	be	AUX
ejif-3301	246	64	not	not	PART
ejif-3301	246	65	the	the	DET
ejif-3301	246	66	loan	loan	NOUN
ejif-3301	246	67	transaction	transaction	NOUN
ejif-3301	246	68	but	but	CCONJ
ejif-3301	246	69	it	it	PRON
ejif-3301	246	70	is	be	AUX
ejif-3301	246	71	sale	sale	NOUN
ejif-3301	246	72	base	base	NOUN
ejif-3301	246	73	sharia	sharia	PROPN
ejif-3301	246	74	mode	mode	NOUN
ejif-3301	246	75	of	of	ADP
ejif-3301	246	76	financing	financing	NOUN
ejif-3301	246	77	.	.	PUNCT
ejif-3301	247	1	3.2.3	3.2.3	NUM
ejif-3301	247	2	murabaha	murabaha	NOUN
ejif-3301	247	3	vs	vs	ADP
ejif-3301	247	4	istisna	istisna	NOUN
ejif-3301	247	5	with	with	ADP
ejif-3301	247	6	respect	respect	NOUN
ejif-3301	247	7	to	to	ADP
ejif-3301	247	8	moral	moral	ADJ
ejif-3301	247	9	hazard	hazard	NOUN
ejif-3301	247	10	and	and	CCONJ
ejif-3301	247	11	adverse	adverse	ADJ
ejif-3301	247	12	selection	selection	NOUN
ejif-3301	247	13	both	both	CCONJ
ejif-3301	247	14	the	the	DET
ejif-3301	247	15	islamic	islamic	ADJ
ejif-3301	247	16	financial	financial	ADJ
ejif-3301	247	17	contracts	contract	NOUN
ejif-3301	247	18	have	have	VERB
ejif-3301	247	19	risk	risk	NOUN
ejif-3301	247	20	of	of	ADP
ejif-3301	247	21	moral	moral	ADJ
ejif-3301	247	22	hazard	hazard	NOUN
ejif-3301	247	23	and	and	CCONJ
ejif-3301	247	24	adverse	adverse	ADJ
ejif-3301	247	25	selection	selection	NOUN
ejif-3301	247	26	but	but	CCONJ
ejif-3301	247	27	they	they	PRON
ejif-3301	247	28	have	have	VERB
ejif-3301	247	29	difference	difference	NOUN
ejif-3301	247	30	in	in	ADP
ejif-3301	247	31	stages	stage	NOUN
ejif-3301	247	32	where	where	SCONJ
ejif-3301	247	33	both	both	CCONJ
ejif-3301	247	34	the	the	DET
ejif-3301	247	35	problems	problem	NOUN
ejif-3301	247	36	exists	exist	VERB
ejif-3301	247	37	,	,	PUNCT
ejif-3301	247	38	e.g.	e.g.	ADV
ejif-3301	247	39	in	in	ADP
ejif-3301	247	40	murabaha	murabaha	NOUN
ejif-3301	247	41	adverse	adverse	ADJ
ejif-3301	247	42	selection	selection	NOUN
ejif-3301	247	43	risk	risk	NOUN
ejif-3301	247	44	exist	exist	VERB
ejif-3301	247	45	when	when	SCONJ
ejif-3301	247	46	customer	customer	NOUN
ejif-3301	247	47	credit	credit	NOUN
ejif-3301	247	48	proposal	proposal	NOUN
ejif-3301	247	49	is	be	AUX
ejif-3301	247	50	in	in	ADP
ejif-3301	247	51	approval	approval	NOUN
ejif-3301	247	52	process	process	NOUN
ejif-3301	247	53	if	if	SCONJ
ejif-3301	247	54	the	the	DET
ejif-3301	247	55	customer	customer	NOUN
ejif-3301	247	56	hide	hide	VERB
ejif-3301	247	57	his	his	PRON
ejif-3301	247	58	some	some	DET
ejif-3301	247	59	information	information	NOUN
ejif-3301	247	60	form	form	NOUN
ejif-3301	247	61	islamic	islamic	PROPN
ejif-3301	247	62	bank	bank	PROPN
ejif-3301	247	63	which	which	PRON
ejif-3301	247	64	purely	purely	ADV
ejif-3301	247	65	the	the	DET
ejif-3301	247	66	customer	customer	NOUN
ejif-3301	247	67	have	have	VERB
ejif-3301	247	68	and	and	CCONJ
ejif-3301	247	69	bank	bank	NOUN
ejif-3301	247	70	has	have	VERB
ejif-3301	247	71	no	no	DET
ejif-3301	247	72	direct	direct	ADJ
ejif-3301	247	73	excess	excess	NOUN
ejif-3301	247	74	on	on	ADP
ejif-3301	247	75	that	that	DET
ejif-3301	247	76	information	information	NOUN
ejif-3301	247	77	.	.	PUNCT
ejif-3301	248	1	for	for	ADP
ejif-3301	248	2	example	example	NOUN
ejif-3301	248	3	after	after	ADP
ejif-3301	248	4	providing	provide	VERB
ejif-3301	248	5	proper	proper	ADJ
ejif-3301	248	6	security	security	NOUN
ejif-3301	248	7	to	to	ADP
ejif-3301	248	8	bank	bank	VERB
ejif-3301	248	9	for	for	ADP
ejif-3301	248	10	approval	approval	NOUN
ejif-3301	248	11	of	of	ADP
ejif-3301	248	12	credit	credit	NOUN
ejif-3301	248	13	proposal	proposal	NOUN
ejif-3301	248	14	and	and	CCONJ
ejif-3301	248	15	on	on	ADP
ejif-3301	248	16	its	its	PRON
ejif-3301	248	17	behalf	behalf	NOUN
ejif-3301	248	18	customer	customer	NOUN
ejif-3301	248	19	receive	receive	VERB
ejif-3301	248	20	the	the	DET
ejif-3301	248	21	disbursement	disbursement	NOUN
ejif-3301	248	22	for	for	ADP
ejif-3301	248	23	bank	bank	NOUN
ejif-3301	248	24	and	and	CCONJ
ejif-3301	248	25	supplier	supplier	NOUN
ejif-3301	248	26	is	be	AUX
ejif-3301	248	27	fake	fake	ADJ
ejif-3301	248	28	or	or	CCONJ
ejif-3301	248	29	he	he	PRON
ejif-3301	248	30	has	have	AUX
ejif-3301	248	31	make	make	VERB
ejif-3301	248	32	fake	fake	ADJ
ejif-3301	248	33	settlement	settlement	NOUN
ejif-3301	248	34	with	with	ADP
ejif-3301	248	35	supplier	supplier	NOUN
ejif-3301	248	36	which	which	PRON
ejif-3301	248	37	is	be	AUX
ejif-3301	248	38	his	his	PRON
ejif-3301	248	39	partner	partner	NOUN
ejif-3301	248	40	but	but	CCONJ
ejif-3301	248	41	is	be	AUX
ejif-3301	248	42	not	not	PART
ejif-3301	248	43	disclose	disclose	VERB
ejif-3301	248	44	in	in	ADP
ejif-3301	248	45	any	any	DET
ejif-3301	248	46	document	document	NOUN
ejif-3301	248	47	.	.	PUNCT
ejif-3301	249	1	in	in	ADP
ejif-3301	249	2	this	this	DET
ejif-3301	249	3	situation	situation	NOUN
ejif-3301	249	4	in	in	ADP
ejif-3301	249	5	case	case	NOUN
ejif-3301	249	6	of	of	ADP
ejif-3301	249	7	disbursement	disbursement	NOUN
ejif-3301	249	8	to	to	ADP
ejif-3301	249	9	customer	customer	NOUN
ejif-3301	249	10	if	if	SCONJ
ejif-3301	249	11	bank	bank	NOUN
ejif-3301	249	12	identify	identify	VERB
ejif-3301	249	13	this	this	DET
ejif-3301	249	14	issue	issue	NOUN
ejif-3301	249	15	of	of	ADP
ejif-3301	249	16	adverse	adverse	ADJ
ejif-3301	249	17	selection	selection	NOUN
ejif-3301	249	18	bank	bank	NOUN
ejif-3301	249	19	only	only	ADV
ejif-3301	249	20	can	can	AUX
ejif-3301	249	21	receive	receive	VERB
ejif-3301	249	22	its	its	PRON
ejif-3301	249	23	principle	principle	ADJ
ejif-3301	249	24	amount	amount	NOUN
ejif-3301	249	25	without	without	ADP
ejif-3301	249	26	profit	profit	NOUN
ejif-3301	249	27	bank	bank	NOUN
ejif-3301	249	28	only	only	ADV
ejif-3301	249	29	black	black	ADJ
ejif-3301	249	30	list	list	NOUN
ejif-3301	249	31	the	the	DET
ejif-3301	249	32	customer	customer	NOUN
ejif-3301	249	33	in	in	ADP
ejif-3301	249	34	future	future	NOUN
ejif-3301	249	35	but	but	CCONJ
ejif-3301	249	36	in	in	ADP
ejif-3301	249	37	istisna	istisna	NOUN
ejif-3301	249	38	also	also	ADV
ejif-3301	249	39	the	the	DET
ejif-3301	249	40	issue	issue	NOUN
ejif-3301	249	41	but	but	CCONJ
ejif-3301	249	42	bank	bank	NOUN
ejif-3301	249	43	can	can	AUX
ejif-3301	249	44	mitigate	mitigate	VERB
ejif-3301	249	45	this	this	PRON
ejif-3301	249	46	by	by	ADP
ejif-3301	249	47	two	two	NUM
ejif-3301	249	48	ways	way	NOUN
ejif-3301	249	49	,	,	PUNCT
ejif-3301	249	50	one	one	NUM
ejif-3301	249	51	is	be	AUX
ejif-3301	249	52	that	that	SCONJ
ejif-3301	249	53	the	the	DET
ejif-3301	249	54	bank	bank	NOUN
ejif-3301	249	55	can	can	AUX
ejif-3301	249	56	ask	ask	VERB
ejif-3301	249	57	the	the	DET
ejif-3301	249	58	customer	customer	NOUN
ejif-3301	249	59	to	to	PART
ejif-3301	249	60	disburse	disburse	VERB
ejif-3301	249	61	the	the	DET
ejif-3301	249	62	amount	amount	NOUN
ejif-3301	249	63	verification	verification	NOUN
ejif-3301	249	64	of	of	ADP
ejif-3301	249	65	manufactured	manufacture	VERB
ejif-3301	249	66	good	good	ADJ
ejif-3301	249	67	if	if	SCONJ
ejif-3301	249	68	the	the	DET
ejif-3301	249	69	product	product	NOUN
ejif-3301	249	70	received	receive	VERB
ejif-3301	249	71	on	on	ADP
ejif-3301	249	72	time	time	NOUN
ejif-3301	249	73	bank	bank	PROPN
ejif-3301	249	74	made	make	VERB
ejif-3301	249	75	payment	payment	NOUN
ejif-3301	249	76	otherwise	otherwise	ADV
ejif-3301	249	77	bank	bank	NOUN
ejif-3301	249	78	can	can	AUX
ejif-3301	249	79	apologies	apology	NOUN
ejif-3301	249	80	to	to	PART
ejif-3301	249	81	disburse	disburse	VERB
ejif-3301	249	82	but	but	CCONJ
ejif-3301	249	83	by	by	ADP
ejif-3301	249	84	this	this	DET
ejif-3301	249	85	way	way	NOUN
ejif-3301	249	86	the	the	DET
ejif-3301	249	87	istisna	istisna	NOUN
ejif-3301	249	88	product	product	NOUN
ejif-3301	249	89	will	will	AUX
ejif-3301	249	90	not	not	PART
ejif-3301	249	91	remain	remain	VERB
ejif-3301	249	92	viable	viable	ADJ
ejif-3301	249	93	for	for	ADP
ejif-3301	249	94	industry	industry	NOUN
ejif-3301	249	95	because	because	SCONJ
ejif-3301	249	96	its	its	PRON
ejif-3301	249	97	nature	nature	NOUN
ejif-3301	249	98	is	be	AUX
ejif-3301	249	99	to	to	PART
ejif-3301	249	100	cooperate	cooperate	VERB
ejif-3301	249	101	with	with	ADP
ejif-3301	249	102	customer	customer	NOUN
ejif-3301	249	103	to	to	PART
ejif-3301	249	104	fulfill	fulfill	VERB
ejif-3301	249	105	his	his	PRON
ejif-3301	249	106	running	run	VERB
ejif-3301	249	107	finance	finance	NOUN
ejif-3301	249	108	needs.in	needs.in	PRON
ejif-3301	249	109	second	second	ADJ
ejif-3301	249	110	option	option	NOUN
ejif-3301	249	111	bank	bank	NOUN
ejif-3301	249	112	can	can	AUX
ejif-3301	249	113	ask	ask	VERB
ejif-3301	249	114	the	the	DET
ejif-3301	249	115	customer	customer	NOUN
ejif-3301	249	116	to	to	ADP
ejif-3301	249	117	if	if	SCONJ
ejif-3301	249	118	the	the	DET
ejif-3301	249	119	customer	customer	NOUN
ejif-3301	249	120	fails	fail	VERB
ejif-3301	249	121	to	to	PART
ejif-3301	249	122	deliver	deliver	VERB
ejif-3301	249	123	the	the	DET
ejif-3301	249	124	product	product	NOUN
ejif-3301	249	125	at	at	ADP
ejif-3301	249	126	delivery	delivery	NOUN
ejif-3301	249	127	time	time	NOUN
ejif-3301	249	128	he	he	PRON
ejif-3301	249	129	is	be	AUX
ejif-3301	249	130	bound	bind	VERB
ejif-3301	249	131	to	to	PART
ejif-3301	249	132	deliver	deliver	VERB
ejif-3301	249	133	the	the	DET
ejif-3301	249	134	goods	good	NOUN
ejif-3301	249	135	by	by	ADP
ejif-3301	249	136	purchasing	purchase	VERB
ejif-3301	249	137	from	from	ADP
ejif-3301	249	138	market	market	NOUN
ejif-3301	249	139	and	and	CCONJ
ejif-3301	249	140	also	also	ADV
ejif-3301	249	141	bank	bank	NOUN
ejif-3301	249	142	can	can	AUX
ejif-3301	249	143	stop	stop	VERB
ejif-3301	249	144	the	the	DET
ejif-3301	249	145	customer	customer	NOUN
ejif-3301	249	146	factory	factory	NOUN
ejif-3301	249	147	produced	produce	VERB
ejif-3301	249	148	to	to	PART
ejif-3301	249	149	deliver	deliver	VERB
ejif-3301	249	150	to	to	ADP
ejif-3301	249	151	any	any	DET
ejif-3301	249	152	other	other	ADJ
ejif-3301	249	153	person	person	NOUN
ejif-3301	249	154	and	and	CCONJ
ejif-3301	249	155	get	get	VERB
ejif-3301	249	156	it	it	PRON
ejif-3301	249	157	delivered	deliver	VERB
ejif-3301	249	158	to	to	PART
ejif-3301	249	159	bank	bank	VERB
ejif-3301	249	160	itself	itself	PRON
ejif-3301	249	161	by	by	ADP
ejif-3301	249	162	force	force	NOUN
ejif-3301	249	163	,	,	PUNCT
ejif-3301	249	164	finally	finally	ADV
ejif-3301	249	165	bank	bank	NOUN
ejif-3301	249	166	has	have	VERB
ejif-3301	249	167	no	no	DET
ejif-3301	249	168	need	need	NOUN
ejif-3301	249	169	to	to	PART
ejif-3301	249	170	receive	receive	VERB
ejif-3301	249	171	the	the	DET
ejif-3301	249	172	disbursed	disburse	VERB
ejif-3301	249	173	amount	amount	NOUN
ejif-3301	249	174	without	without	ADP
ejif-3301	249	175	profit	profit	NOUN
ejif-3301	249	176	but	but	CCONJ
ejif-3301	249	177	sometime	sometime	ADV
ejif-3301	249	178	this	this	PRON
ejif-3301	249	179	is	be	AUX
ejif-3301	249	180	risk	risk	NOUN
ejif-3301	249	181	in	in	ADP
ejif-3301	249	182	murabaha	murabaha	NOUN
ejif-3301	249	183	.	.	PUNCT
ejif-3301	250	1	iv	iv	X
ejif-3301	250	2	.	.	PUNCT
ejif-3301	250	3	empirical	empirical	ADJ
ejif-3301	250	4	analysis	analysis	NOUN
ejif-3301	250	5	4.1	4.1	NUM
ejif-3301	250	6	data	datum	NOUN
ejif-3301	250	7	to	to	PART
ejif-3301	250	8	attain	attain	VERB
ejif-3301	250	9	the	the	DET
ejif-3301	250	10	objective	objective	NOUN
ejif-3301	250	11	of	of	ADP
ejif-3301	250	12	this	this	DET
ejif-3301	250	13	study	study	NOUN
ejif-3301	250	14	,	,	PUNCT
ejif-3301	250	15	a	a	DET
ejif-3301	250	16	primary	primary	ADJ
ejif-3301	250	17	annual	annual	ADJ
ejif-3301	250	18	data	datum	NOUN
ejif-3301	250	19	from	from	ADP
ejif-3301	250	20	2016	2016	NUM
ejif-3301	250	21	to	to	ADP
ejif-3301	250	22	2018	2018	NUM
ejif-3301	250	23	is	be	AUX
ejif-3301	250	24	selected	select	VERB
ejif-3301	250	25	.	.	PUNCT
ejif-3301	251	1	this	this	DET
ejif-3301	251	2	data	data	NOUN
ejif-3301	251	3	is	be	AUX
ejif-3301	251	4	selected	select	VERB
ejif-3301	251	5	from	from	ADP
ejif-3301	251	6	meezan	meezan	PROPN
ejif-3301	251	7	bank	bank	PROPN
ejif-3301	251	8	of	of	ADP
ejif-3301	251	9	pakistan‘s	pakistan‘s	PROPN
ejif-3301	251	10	small	small	ADJ
ejif-3301	251	11	and	and	CCONJ
ejif-3301	251	12	medium	medium	ADJ
ejif-3301	251	13	enterprise	enterprise	NOUN
ejif-3301	251	14	(	(	PUNCT
ejif-3301	251	15	sme	sme	NOUN
ejif-3301	251	16	)	)	PUNCT
ejif-3301	251	17	and	and	CCONJ
ejif-3301	251	18	commercial	commercial	ADJ
ejif-3301	251	19	customers	customer	NOUN
ejif-3301	251	20	.	.	PUNCT
ejif-3301	252	1	the	the	DET
ejif-3301	252	2	number	number	NOUN
ejif-3301	252	3	,	,	PUNCT
ejif-3301	252	4	of	of	ADP
ejif-3301	252	5	observations	observation	NOUN
ejif-3301	252	6	are	be	AUX
ejif-3301	252	7	105	105	NUM
ejif-3301	252	8	from	from	ADP
ejif-3301	252	9	murabaha	murabaha	NOUN
ejif-3301	252	10	customers	customer	NOUN
ejif-3301	252	11	and	and	CCONJ
ejif-3301	252	12	50	50	NUM
ejif-3301	252	13	observations	observation	NOUN
ejif-3301	252	14	are	be	AUX
ejif-3301	252	15	from	from	ADP
ejif-3301	252	16	istisna	istisna	NOUN
ejif-3301	252	17	financing	financing	NOUN
ejif-3301	252	18	customers	customer	NOUN
ejif-3301	252	19	.	.	PUNCT
ejif-3301	253	1	the	the	DET
ejif-3301	253	2	data	datum	NOUN
ejif-3301	253	3	is	be	AUX
ejif-3301	253	4	selected	select	VERB
ejif-3301	253	5	on	on	ADP
ejif-3301	253	6	basis	basis	NOUN
ejif-3301	253	7	of	of	ADP
ejif-3301	253	8	their	their	PRON
ejif-3301	253	9	disbursement	disbursement	NOUN
ejif-3301	253	10	,	,	PUNCT
ejif-3301	253	11	profit	profit	NOUN
ejif-3301	253	12	rate	rate	NOUN
ejif-3301	253	13	,	,	PUNCT
ejif-3301	253	14	tenure	tenure	NOUN
ejif-3301	253	15	,	,	PUNCT
ejif-3301	253	16	along	along	ADP
ejif-3301	253	17	with	with	ADP
ejif-3301	253	18	balance	balance	NOUN
ejif-3301	253	19	sheet	sheet	NOUN
ejif-3301	253	20	and	and	CCONJ
ejif-3301	253	21	income	income	NOUN
ejif-3301	253	22	statement	statement	NOUN
ejif-3301	253	23	figures	figure	NOUN
ejif-3301	253	24	.	.	PUNCT
ejif-3301	254	1	data	datum	NOUN
ejif-3301	254	2	of	of	ADP
ejif-3301	254	3	above	above	ADV
ejif-3301	254	4	-	-	PUNCT
ejif-3301	254	5	mentioned	mention	VERB
ejif-3301	254	6	financing	financing	NOUN
ejif-3301	254	7	customers	customer	NOUN
ejif-3301	254	8	were	be	AUX
ejif-3301	254	9	collected	collect	VERB
ejif-3301	254	10	from	from	ADP
ejif-3301	254	11	directly	directly	ADV
ejif-3301	254	12	from	from	ADP
ejif-3301	254	13	meezan	meezan	PROPN
ejif-3301	254	14	bank	bank	PROPN
ejif-3301	254	15	record	record	NOUN
ejif-3301	254	16	.	.	PUNCT
ejif-3301	255	1	in	in	ADP
ejif-3301	255	2	data	datum	NOUN
ejif-3301	255	3	the	the	DET
ejif-3301	255	4	mean	mean	ADJ
ejif-3301	255	5	,	,	PUNCT
ejif-3301	255	6	standard	standard	ADJ
ejif-3301	255	7	deviation	deviation	NOUN
ejif-3301	255	8	,	,	PUNCT
ejif-3301	255	9	and	and	CCONJ
ejif-3301	255	10	probability	probability	NOUN
ejif-3301	255	11	shows	show	VERB
ejif-3301	255	12	significance	significance	NOUN
ejif-3301	255	13	level	level	NOUN
ejif-3301	255	14	,	,	PUNCT
ejif-3301	255	15	probability	probability	NOUN
ejif-3301	255	16	in	in	ADP
ejif-3301	255	17	all	all	ADV
ejif-3301	255	18	is	be	AUX
ejif-3301	255	19	less	less	ADJ
ejif-3301	255	20	than	than	ADP
ejif-3301	255	21	0.5	0.5	NUM
ejif-3301	255	22	which	which	PRON
ejif-3301	255	23	consider	consider	VERB
ejif-3301	255	24	very	very	ADV
ejif-3301	255	25	efficient	efficient	ADJ
ejif-3301	255	26	in	in	ADP
ejif-3301	255	27	industry	industry	NOUN
ejif-3301	255	28	table	table	NOUN
ejif-3301	255	29	3	3	NUM
ejif-3301	255	30	:	:	PUNCT
ejif-3301	255	31	descriptive	descriptive	ADJ
ejif-3301	255	32	statistic	statistic	NOUN
ejif-3301	255	33	(	(	PUNCT
ejif-3301	255	34	murabaha	murabaha	NOUN
ejif-3301	255	35	financing	financing	NOUN
ejif-3301	255	36	)	)	PUNCT
ejif-3301	255	37	table	table	NOUN
ejif-3301	255	38	4	4	NUM
ejif-3301	255	39	:	:	PUNCT
ejif-3301	255	40	descriptive	descriptive	ADJ
ejif-3301	255	41	statistic	statistic	NOUN
ejif-3301	255	42	(	(	PUNCT
ejif-3301	255	43	istisna	istisna	NOUN
ejif-3301	255	44	financing	financing	NOUN
ejif-3301	255	45	)	)	PUNCT
ejif-3301	255	46	see	see	VERB
ejif-3301	255	47	both	both	CCONJ
ejif-3301	255	48	in	in	ADP
ejif-3301	255	49	last	last	ADJ
ejif-3301	255	50	of	of	ADP
ejif-3301	255	51	article	article	NOUN
ejif-3301	255	52	when	when	SCONJ
ejif-3301	255	53	we	we	PRON
ejif-3301	255	54	make	make	VERB
ejif-3301	255	55	comparison	comparison	NOUN
ejif-3301	255	56	in	in	ADP
ejif-3301	255	57	both	both	DET
ejif-3301	255	58	modes	mode	NOUN
ejif-3301	255	59	of	of	ADP
ejif-3301	255	60	islamic	islamic	ADJ
ejif-3301	255	61	financing	financing	NOUN
ejif-3301	255	62	we	we	PRON
ejif-3301	255	63	found	find	VERB
ejif-3301	255	64	that	that	SCONJ
ejif-3301	255	65	probability	probability	NOUN
ejif-3301	255	66	of	of	ADP
ejif-3301	255	67	both	both	CCONJ
ejif-3301	255	68	the	the	DET
ejif-3301	255	69	financing	financing	NOUN
ejif-3301	255	70	is	be	AUX
ejif-3301	255	71	have	have	AUX
ejif-3301	255	72	level	level	NOUN
ejif-3301	255	73	of	of	ADP
ejif-3301	255	74	significance	significance	NOUN
ejif-3301	255	75	e	e	NOUN
ejif-3301	255	76	in	in	ADP
ejif-3301	255	77	murabaha	murabaha	NOUN
ejif-3301	255	78	the	the	DET
ejif-3301	255	79	level	level	NOUN
ejif-3301	255	80	is	be	AUX
ejif-3301	255	81	very	very	ADV
ejif-3301	255	82	high	high	ADJ
ejif-3301	255	83	because	because	SCONJ
ejif-3301	255	84	all	all	DET
ejif-3301	255	85	independent	independent	ADJ
ejif-3301	255	86	variables	variable	NOUN
ejif-3301	255	87	in	in	ADP
ejif-3301	255	88	relation	relation	NOUN
ejif-3301	255	89	with	with	ADP
ejif-3301	255	90	dependent	dependent	ADJ
ejif-3301	255	91	variable	variable	NOUN
ejif-3301	255	92	have	have	VERB
ejif-3301	255	93	probability	probability	NOUN
ejif-3301	255	94	under	under	ADP
ejif-3301	255	95	the	the	DET
ejif-3301	255	96	acceptable	acceptable	ADJ
ejif-3301	255	97	range	range	NOUN
ejif-3301	255	98	but	but	CCONJ
ejif-3301	255	99	in	in	ADP
ejif-3301	255	100	istisna	istisna	NOUN
ejif-3301	255	101	probability	probability	NOUN
ejif-3301	255	102	of	of	ADP
ejif-3301	255	103	dependent	dependent	ADJ
ejif-3301	255	104	variable	variable	NOUN
ejif-3301	255	105	have	have	VERB
ejif-3301	255	106	negative	negative	ADJ
ejif-3301	255	107	relation	relation	NOUN
ejif-3301	255	108	with	with	ADP
ejif-3301	255	109	independent	independent	ADJ
ejif-3301	255	110	variable	variable	NOUN
ejif-3301	256	1	but	but	CCONJ
ejif-3301	256	2	it	it	PRON
ejif-3301	256	3	does	do	AUX
ejif-3301	256	4	not	not	PART
ejif-3301	256	5	affect	affect	VERB
ejif-3301	256	6	the	the	DET
ejif-3301	256	7	real	real	ADJ
ejif-3301	256	8	factor	factor	NOUN
ejif-3301	256	9	which	which	PRON
ejif-3301	256	10	shows	show	VERB
ejif-3301	256	11	that	that	SCONJ
ejif-3301	256	12	the	the	DET
ejif-3301	256	13	istisna	istisna	NOUN
ejif-3301	256	14	financing	financing	NOUN
ejif-3301	256	15	on	on	ADP
ejif-3301	256	16	roe	roe	PROPN
ejif-3301	256	17	,	,	PUNCT
ejif-3301	256	18	icr	icr	PROPN
ejif-3301	256	19	,	,	PUNCT
ejif-3301	256	20	fat	fat	NOUN
ejif-3301	256	21	does	do	AUX
ejif-3301	256	22	not	not	PART
ejif-3301	256	23	have	have	VERB
ejif-3301	256	24	any	any	DET
ejif-3301	256	25	impact	impact	NOUN
ejif-3301	256	26	.	.	PUNCT
ejif-3301	257	1	4.2	4.2	NUM
ejif-3301	257	2	variables	variable	NOUN
ejif-3301	257	3	this	this	DET
ejif-3301	257	4	section	section	NOUN
ejif-3301	257	5	explains	explain	VERB
ejif-3301	257	6	the	the	DET
ejif-3301	257	7	econometric	econometric	ADJ
ejif-3301	257	8	models	model	NOUN
ejif-3301	257	9	used	use	VERB
ejif-3301	257	10	for	for	ADP
ejif-3301	257	11	measuring	measure	VERB
ejif-3301	257	12	impact	impact	NOUN
ejif-3301	257	13	of	of	ADP
ejif-3301	257	14	disbursed	disburse	VERB
ejif-3301	257	15	amount	amount	NOUN
ejif-3301	257	16	(	(	PUNCT
ejif-3301	257	17	da	da	NOUN
ejif-3301	257	18	)	)	PUNCT
ejif-3301	257	19	,	,	PUNCT
ejif-3301	257	20	spread	spread	VERB
ejif-3301	257	21	,	,	PUNCT
ejif-3301	257	22	profit	profit	NOUN
ejif-3301	257	23	rate	rate	NOUN
ejif-3301	257	24	(	(	PUNCT
ejif-3301	257	25	pr	pr	NOUN
ejif-3301	257	26	)	)	PUNCT
ejif-3301	257	27	and	and	CCONJ
ejif-3301	257	28	tenor	tenor	NOUN
ejif-3301	257	29	on	on	ADP
ejif-3301	257	30	various	various	ADJ
ejif-3301	257	31	efficiency	efficiency	NOUN
ejif-3301	257	32	indicators	indicator	NOUN
ejif-3301	257	33	like	like	ADP
ejif-3301	257	34	profit	profit	NOUN
ejif-3301	257	35	margin	margin	NOUN
ejif-3301	257	36	(	(	PUNCT
ejif-3301	257	37	pm	pm	NOUN
ejif-3301	257	38	)	)	PUNCT
ejif-3301	257	39	,	,	PUNCT
ejif-3301	257	40	total	total	ADJ
ejif-3301	257	41	assets	asset	NOUN
ejif-3301	257	42	turnover	turnover	NOUN
ejif-3301	257	43	(	(	PUNCT
ejif-3301	257	44	tat	tat	NOUN
ejif-3301	257	45	)	)	PUNCT
ejif-3301	257	46	,	,	PUNCT
ejif-3301	257	47	equity	equity	NOUN
ejif-3301	257	48	multiplier	multiplier	ADV
ejif-3301	257	49	(	(	PUNCT
ejif-3301	257	50	em	em	PRON
ejif-3301	257	51	)	)	PUNCT
ejif-3301	257	52	,	,	PUNCT
ejif-3301	257	53	fixed	fix	VERB
ejif-3301	257	54	asset	asset	NOUN
ejif-3301	257	55	turnover	turnover	NOUN
ejif-3301	257	56	(	(	PUNCT
ejif-3301	257	57	fat	fat	NOUN
ejif-3301	257	58	)	)	PUNCT
ejif-3301	257	59	,	,	PUNCT
ejif-3301	257	60	return	return	VERB
ejif-3301	257	61	on	on	ADP
ejif-3301	257	62	assets	asset	NOUN
ejif-3301	257	63	(	(	PUNCT
ejif-3301	257	64	roa	roa	NOUN
ejif-3301	257	65	)	)	PUNCT
ejif-3301	257	66	,	,	PUNCT
ejif-3301	257	67	and	and	CCONJ
ejif-3301	257	68	interest	interest	NOUN
ejif-3301	257	69	coverage	coverage	NOUN
ejif-3301	257	70	ratio	ratio	NOUN
ejif-3301	257	71	(	(	PUNCT
ejif-3301	257	72	icr	icr	PROPN
ejif-3301	257	73	)	)	PUNCT
ejif-3301	257	74	.	.	PUNCT
ejif-3301	258	1	4.2.1	4.2.1	NUM
ejif-3301	258	2	dependent	dependent	ADJ
ejif-3301	258	3	variables	variable	VERB
ejif-3301	258	4	the	the	DET
ejif-3301	258	5	process	process	NOUN
ejif-3301	258	6	of	of	ADP
ejif-3301	258	7	data	datum	NOUN
ejif-3301	258	8	selection	selection	NOUN
ejif-3301	258	9	and	and	CCONJ
ejif-3301	258	10	collection	collection	NOUN
ejif-3301	258	11	and	and	CCONJ
ejif-3301	258	12	issues	issue	NOUN
ejif-3301	258	13	arising	arise	VERB
ejif-3301	258	14	are	be	AUX
ejif-3301	258	15	discussed	discuss	VERB
ejif-3301	258	16	here	here	ADV
ejif-3301	258	17	.	.	PUNCT
ejif-3301	259	1	this	this	PRON
ejif-3301	259	2	is	be	AUX
ejif-3301	259	3	followed	follow	VERB
ejif-3301	259	4	by	by	ADP
ejif-3301	259	5	an	an	DET
ejif-3301	259	6	overview	overview	NOUN
ejif-3301	259	7	explaining	explain	VERB
ejif-3301	259	8	the	the	DET
ejif-3301	259	9	list	list	NOUN
ejif-3301	259	10	of	of	ADP
ejif-3301	259	11	variables	variable	NOUN
ejif-3301	259	12	used	use	VERB
ejif-3301	259	13	in	in	ADP
ejif-3301	259	14	the	the	DET
ejif-3301	259	15	econometric	econometric	ADJ
ejif-3301	259	16	models	model	NOUN
ejif-3301	259	17	.	.	PUNCT
ejif-3301	260	1	variables	variable	NOUN
ejif-3301	260	2	are	be	AUX
ejif-3301	260	3	explained	explain	VERB
ejif-3301	260	4	as	as	ADP
ejif-3301	260	5	under	under	ADV
ejif-3301	260	6	.	.	PUNCT
ejif-3301	261	1	1	1	X
ejif-3301	261	2	.	.	NUM
ejif-3301	261	3	disbursed	disburse	VERB
ejif-3301	261	4	amount	amount	NOUN
ejif-3301	261	5	:	:	PUNCT
ejif-3301	261	6	this	this	PRON
ejif-3301	261	7	measured	measure	VERB
ejif-3301	261	8	the	the	DET
ejif-3301	261	9	amount	amount	NOUN
ejif-3301	261	10	volume	volume	NOUN
ejif-3301	261	11	of	of	ADP
ejif-3301	261	12	loan	loan	NOUN
ejif-3301	261	13	sanctioned	sanction	VERB
ejif-3301	261	14	to	to	ADP
ejif-3301	261	15	the	the	DET
ejif-3301	261	16	borrower	borrower	NOUN
ejif-3301	261	17	.	.	PUNCT
ejif-3301	262	1	this	this	DET
ejif-3301	262	2	amount	amount	NOUN
ejif-3301	262	3	is	be	AUX
ejif-3301	262	4	disbursed	disburse	VERB
ejif-3301	262	5	to	to	ADP
ejif-3301	262	6	a	a	DET
ejif-3301	262	7	needy	needy	ADJ
ejif-3301	262	8	customer	customer	NOUN
ejif-3301	262	9	after	after	ADP
ejif-3301	262	10	approving	approve	VERB
ejif-3301	262	11	its	its	PRON
ejif-3301	262	12	credit	credit	NOUN
ejif-3301	262	13	proposal	proposal	NOUN
ejif-3301	262	14	from	from	ADP
ejif-3301	262	15	business	business	NOUN
ejif-3301	262	16	unit	unit	NOUN
ejif-3301	262	17	,	,	PUNCT
ejif-3301	262	18	risk	risk	NOUN
ejif-3301	262	19	,	,	PUNCT
ejif-3301	262	20	cad	cad	PROPN
ejif-3301	262	21	,	,	PUNCT
ejif-3301	262	22	management	management	NOUN
ejif-3301	262	23	office	office	NOUN
ejif-3301	262	24	and	and	CCONJ
ejif-3301	262	25	from	from	ADP
ejif-3301	262	26	sharia	sharia	PROPN
ejif-3301	262	27	dept	dept	PROPN
ejif-3301	262	28	.	.	PROPN
ejif-3301	263	1	2	2	X
ejif-3301	263	2	.	.	X
ejif-3301	263	3	spread	spread	NOUN
ejif-3301	263	4	:	:	PUNCT
ejif-3301	263	5	this	this	PRON
ejif-3301	263	6	depicts	depict	VERB
ejif-3301	263	7	credit	credit	NOUN
ejif-3301	263	8	default	default	NOUN
ejif-3301	263	9	spread	spread	NOUN
ejif-3301	263	10	,	,	PUNCT
ejif-3301	263	11	i.e.	i.e.	X
ejif-3301	263	12	additional	additional	ADJ
ejif-3301	263	13	rate	rate	NOUN
ejif-3301	263	14	charged	charge	VERB
ejif-3301	263	15	over	over	ADP
ejif-3301	263	16	and	and	CCONJ
ejif-3301	263	17	above	above	ADP
ejif-3301	263	18	the	the	DET
ejif-3301	263	19	risk	risk	NOUN
ejif-3301	263	20	free	free	ADJ
ejif-3301	263	21	rate	rate	NOUN
ejif-3301	263	22	to	to	PART
ejif-3301	263	23	compensate	compensate	VERB
ejif-3301	263	24	for	for	ADP
ejif-3301	263	25	the	the	DET
ejif-3301	263	26	probability	probability	NOUN
ejif-3301	263	27	of	of	ADP
ejif-3301	263	28	default	default	NOUN
ejif-3301	263	29	,	,	PUNCT
ejif-3301	263	30	higher	high	ADJ
ejif-3301	263	31	the	the	DET
ejif-3301	263	32	probability	probability	NOUN
ejif-3301	263	33	of	of	ADP
ejif-3301	263	34	default	default	NOUN
ejif-3301	263	35	,	,	PUNCT
ejif-3301	263	36	higher	high	ADJ
ejif-3301	263	37	would	would	AUX
ejif-3301	263	38	be	be	AUX
ejif-3301	263	39	the	the	DET
ejif-3301	263	40	spread	spread	NOUN
ejif-3301	263	41	.	.	PUNCT
ejif-3301	264	1	these	these	DET
ejif-3301	264	2	percentages	percentage	NOUN
ejif-3301	264	3	vary	vary	VERB
ejif-3301	264	4	from	from	ADP
ejif-3301	264	5	customer	customer	NOUN
ejif-3301	264	6	to	to	ADP
ejif-3301	264	7	customer	customer	NOUN
ejif-3301	264	8	as	as	ADV
ejif-3301	264	9	well	well	ADV
ejif-3301	264	10	as	as	ADP
ejif-3301	264	11	on	on	ADP
ejif-3301	264	12	basis	basis	NOUN
ejif-3301	264	13	of	of	ADP
ejif-3301	264	14	amount	amount	NOUN
ejif-3301	264	15	financed	finance	VERB
ejif-3301	264	16	and	and	CCONJ
ejif-3301	264	17	its	its	PRON
ejif-3301	264	18	tenor	tenor	NOUN
ejif-3301	264	19	.	.	PUNCT
ejif-3301	265	1	3	3	X
ejif-3301	265	2	.	.	X
ejif-3301	265	3	profit	profit	NOUN
ejif-3301	265	4	rate	rate	NOUN
ejif-3301	265	5	:	:	PUNCT
ejif-3301	265	6	the	the	DET
ejif-3301	265	7	rate	rate	NOUN
ejif-3301	265	8	of	of	ADP
ejif-3301	265	9	profit	profit	NOUN
ejif-3301	265	10	charged	charge	VERB
ejif-3301	265	11	by	by	ADP
ejif-3301	265	12	the	the	DET
ejif-3301	265	13	bank	bank	NOUN
ejif-3301	265	14	on	on	ADP
ejif-3301	265	15	the	the	DET
ejif-3301	265	16	financing	financing	NOUN
ejif-3301	265	17	amount	amount	NOUN
ejif-3301	265	18	.	.	PUNCT
ejif-3301	266	1	the	the	DET
ejif-3301	266	2	profit	profit	NOUN
ejif-3301	266	3	rate	rate	NOUN
ejif-3301	266	4	is	be	AUX
ejif-3301	266	5	the	the	DET
ejif-3301	266	6	percentage	percentage	NOUN
ejif-3301	266	7	of	of	ADP
ejif-3301	266	8	principle	principle	NOUN
ejif-3301	266	9	amount	amount	NOUN
ejif-3301	266	10	being	be	AUX
ejif-3301	266	11	financed	finance	VERB
ejif-3301	266	12	from	from	ADP
ejif-3301	266	13	a	a	DET
ejif-3301	266	14	commercial	commercial	ADJ
ejif-3301	266	15	bank	bank	NOUN
ejif-3301	266	16	to	to	ADP
ejif-3301	266	17	its	its	PRON
ejif-3301	266	18	customer	customer	NOUN
ejif-3301	266	19	usually	usually	ADV
ejif-3301	266	20	it	it	PRON
ejif-3301	266	21	followed	follow	VERB
ejif-3301	266	22	by	by	ADP
ejif-3301	266	23	a	a	DET
ejif-3301	266	24	well	well	ADV
ejif-3301	266	25	-	-	PUNCT
ejif-3301	266	26	known	know	VERB
ejif-3301	266	27	benchmark	benchmark	NOUN
ejif-3301	266	28	like	like	ADP
ejif-3301	266	29	kibor	kibor	PROPN
ejif-3301	266	30	,	,	PUNCT
ejif-3301	266	31	libor	libor	PROPN
ejif-3301	266	32	etc	etc	X
ejif-3301	266	33	.	.	PUNCT
ejif-3301	267	1	ejif	ejif	PROPN
ejif-3301	267	2	–	–	PUNCT
ejif-3301	267	3	european	european	PROPN
ejif-3301	267	4	journal	journal	PROPN
ejif-3301	267	5	of	of	ADP
ejif-3301	267	6	islamic	islamic	PROPN
ejif-3301	267	7	finance	finance	PROPN
ejif-3301	267	8	no	no	DET
ejif-3301	267	9	14	14	NUM
ejif-3301	267	10	,	,	PUNCT
ejif-3301	267	11	december	december	PROPN
ejif-3301	267	12	(	(	PUNCT
ejif-3301	267	13	2019	2019	NUM
ejif-3301	267	14	)	)	PUNCT
ejif-3301	268	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	268	2	issn	issn	VERB
ejif-3301	268	3	2421	2421	NUM
ejif-3301	268	4	-	-	SYM
ejif-3301	268	5	2172	2172	NUM
ejif-3301	268	6	10	10	NUM
ejif-3301	268	7	4	4	NUM
ejif-3301	268	8	.	.	PUNCT
ejif-3301	268	9	tenor	tenor	NOUN
ejif-3301	268	10	:	:	PUNCT
ejif-3301	268	11	the	the	DET
ejif-3301	268	12	maturity	maturity	NOUN
ejif-3301	268	13	period	period	NOUN
ejif-3301	268	14	of	of	ADP
ejif-3301	268	15	the	the	DET
ejif-3301	268	16	financing	financing	NOUN
ejif-3301	268	17	,	,	PUNCT
ejif-3301	268	18	after	after	ADP
ejif-3301	268	19	this	this	DET
ejif-3301	268	20	period	period	NOUN
ejif-3301	268	21	,	,	PUNCT
ejif-3301	268	22	the	the	DET
ejif-3301	268	23	principal	principal	NOUN
ejif-3301	268	24	become	become	VERB
ejif-3301	268	25	due	due	ADJ
ejif-3301	268	26	.	.	PUNCT
ejif-3301	269	1	4.2.2	4.2.2	NUM
ejif-3301	269	2	independent	independent	ADJ
ejif-3301	269	3	variables	variable	NOUN
ejif-3301	269	4	our	our	PRON
ejif-3301	269	5	main	main	ADJ
ejif-3301	269	6	variables	variable	NOUN
ejif-3301	269	7	consisted	consist	VERB
ejif-3301	269	8	of	of	ADP
ejif-3301	269	9	profit	profit	NOUN
ejif-3301	269	10	margin	margin	NOUN
ejif-3301	269	11	(	(	PUNCT
ejif-3301	269	12	pm	pm	NOUN
ejif-3301	269	13	)	)	PUNCT
ejif-3301	269	14	,	,	PUNCT
ejif-3301	269	15	total	total	ADJ
ejif-3301	269	16	assets	asset	NOUN
ejif-3301	269	17	turnover	turnover	NOUN
ejif-3301	269	18	(	(	PUNCT
ejif-3301	269	19	tat	tat	NOUN
ejif-3301	269	20	)	)	PUNCT
ejif-3301	269	21	,	,	PUNCT
ejif-3301	269	22	and	and	CCONJ
ejif-3301	269	23	equity	equity	NOUN
ejif-3301	269	24	multiplier	multiplier	ADV
ejif-3301	269	25	(	(	PUNCT
ejif-3301	269	26	em	em	PRON
ejif-3301	269	27	)	)	PUNCT
ejif-3301	269	28	.	.	PUNCT
ejif-3301	270	1	these	these	DET
ejif-3301	270	2	three	three	NUM
ejif-3301	270	3	financial	financial	ADJ
ejif-3301	270	4	ratios	ratio	NOUN
ejif-3301	270	5	are	be	AUX
ejif-3301	270	6	decomposition	decomposition	NOUN
ejif-3301	270	7	of	of	ADP
ejif-3301	270	8	return	return	NOUN
ejif-3301	270	9	of	of	ADP
ejif-3301	270	10	equity	equity	NOUN
ejif-3301	270	11	(	(	PUNCT
ejif-3301	270	12	roe	roe	PROPN
ejif-3301	270	13	)	)	PUNCT
ejif-3301	270	14	ratio	ratio	NOUN
ejif-3301	270	15	,	,	PUNCT
ejif-3301	270	16	and	and	CCONJ
ejif-3301	270	17	known	know	VERB
ejif-3301	270	18	as	as	ADP
ejif-3301	270	19	dupont	dupont	NOUN
ejif-3301	270	20	equation	equation	NOUN
ejif-3301	270	21	.	.	PUNCT
ejif-3301	271	1	the	the	DET
ejif-3301	271	2	du	du	ADJ
ejif-3301	271	3	-	-	ADJ
ejif-3301	271	4	pont	pont	ADJ
ejif-3301	271	5	equation	equation	NOUN
ejif-3301	271	6	in	in	ADP
ejif-3301	271	7	profitability	profitability	NOUN
ejif-3301	271	8	analysis	analysis	NOUN
ejif-3301	271	9	explains	explain	VERB
ejif-3301	271	10	the	the	DET
ejif-3301	271	11	drivers	driver	NOUN
ejif-3301	271	12	of	of	ADP
ejif-3301	271	13	profitability	profitability	NOUN
ejif-3301	271	14	in	in	ADP
ejif-3301	271	15	detail	detail	NOUN
ejif-3301	271	16	with	with	ADP
ejif-3301	271	17	three	three	NUM
ejif-3301	271	18	drivers	driver	NOUN
ejif-3301	271	19	which	which	PRON
ejif-3301	271	20	are	be	AUX
ejif-3301	271	21	asset	asset	NOUN
ejif-3301	271	22	turnover	turnover	NOUN
ejif-3301	271	23	,	,	PUNCT
ejif-3301	271	24	financial	financial	ADJ
ejif-3301	271	25	leverage	leverage	NOUN
ejif-3301	271	26	,	,	PUNCT
ejif-3301	271	27	and	and	CCONJ
ejif-3301	271	28	profit	profit	NOUN
ejif-3301	271	29	margin	margin	NOUN
ejif-3301	271	30	.	.	PUNCT
ejif-3301	272	1	succinctly	succinctly	ADV
ejif-3301	272	2	,	,	PUNCT
ejif-3301	272	3	the	the	DET
ejif-3301	272	4	dupont	dupont	NOUN
ejif-3301	272	5	model	model	NOUN
ejif-3301	272	6	enables	enable	VERB
ejif-3301	272	7	the	the	DET
ejif-3301	272	8	analyst	analyst	NOUN
ejif-3301	272	9	to	to	PART
ejif-3301	272	10	ascertain	ascertain	VERB
ejif-3301	272	11	whether	whether	SCONJ
ejif-3301	272	12	the	the	DET
ejif-3301	272	13	overall	overall	ADJ
ejif-3301	272	14	profitability	profitability	NOUN
ejif-3301	272	15	of	of	ADP
ejif-3301	272	16	a	a	DET
ejif-3301	272	17	firm	firm	NOUN
ejif-3301	272	18	is	be	AUX
ejif-3301	272	19	(	(	PUNCT
ejif-3301	272	20	1	1	X
ejif-3301	272	21	)	)	PUNCT
ejif-3301	272	22	emanating	emanate	VERB
ejif-3301	272	23	from	from	ADP
ejif-3301	272	24	the	the	DET
ejif-3301	272	25	firm	firm	NOUN
ejif-3301	272	26	’s	’s	PART
ejif-3301	272	27	income	income	NOUN
ejif-3301	272	28	minus	minus	NOUN
ejif-3301	272	29	expenses	expense	NOUN
ejif-3301	272	30	(	(	PUNCT
ejif-3301	272	31	profit	profit	NOUN
ejif-3301	272	32	margin	margin	NOUN
ejif-3301	272	33	)	)	PUNCT
ejif-3301	272	34	,	,	PUNCT
ejif-3301	272	35	(	(	PUNCT
ejif-3301	272	36	2	2	X
ejif-3301	272	37	)	)	PUNCT
ejif-3301	272	38	a	a	DET
ejif-3301	272	39	result	result	NOUN
ejif-3301	272	40	of	of	ADP
ejif-3301	272	41	effective	effective	ADJ
ejif-3301	272	42	and	and	CCONJ
ejif-3301	272	43	efficient	efficient	ADJ
ejif-3301	272	44	use	use	NOUN
ejif-3301	272	45	of	of	ADP
ejif-3301	272	46	organization	organization	NOUN
ejif-3301	272	47	’s	’s	PART
ejif-3301	272	48	asset	asset	NOUN
ejif-3301	272	49	(	(	PUNCT
ejif-3301	272	50	ato	ato	PROPN
ejif-3301	272	51	)	)	PUNCT
ejif-3301	272	52	,	,	PUNCT
ejif-3301	272	53	(	(	PUNCT
ejif-3301	272	54	3	3	X
ejif-3301	272	55	)	)	PUNCT
ejif-3301	272	56	stemming	stem	VERB
ejif-3301	272	57	from	from	ADP
ejif-3301	272	58	the	the	DET
ejif-3301	272	59	mix	mix	NOUN
ejif-3301	272	60	equity	equity	NOUN
ejif-3301	272	61	and	and	CCONJ
ejif-3301	272	62	debt	debt	NOUN
ejif-3301	272	63	employed	employ	VERB
ejif-3301	272	64	by	by	ADP
ejif-3301	272	65	the	the	DET
ejif-3301	272	66	company	company	NOUN
ejif-3301	272	67	(	(	PUNCT
ejif-3301	272	68	capital	capital	NOUN
ejif-3301	272	69	structure	structure	NOUN
ejif-3301	272	70	)	)	PUNCT
ejif-3301	272	71	,	,	PUNCT
ejif-3301	272	72	or	or	CCONJ
ejif-3301	272	73	any	any	DET
ejif-3301	272	74	combination	combination	NOUN
ejif-3301	272	75	of	of	ADP
ejif-3301	272	76	these	these	DET
ejif-3301	272	77	factors	factor	NOUN
ejif-3301	272	78	(	(	PUNCT
ejif-3301	272	79	turner	turner	NOUN
ejif-3301	272	80	,	,	PUNCT
ejif-3301	272	81	broom	broom	PROPN
ejif-3301	272	82	,	,	PUNCT
ejif-3301	272	83	elliott	elliott	PROPN
ejif-3301	272	84	&	&	CCONJ
ejif-3301	272	85	lee	lee	PROPN
ejif-3301	272	86	,	,	PUNCT
ejif-3301	272	87	2015	2015	NUM
ejif-3301	272	88	)	)	PUNCT
ejif-3301	272	89	.	.	PUNCT
ejif-3301	273	1	(	(	PUNCT
ejif-3301	273	2	turner	turner	NOUN
ejif-3301	273	3	,	,	PUNCT
ejif-3301	273	4	2015	2015	NUM
ejif-3301	273	5	)	)	PUNCT
ejif-3301	273	6	each	each	PRON
ejif-3301	273	7	of	of	ADP
ejif-3301	273	8	the	the	DET
ejif-3301	273	9	factors	factor	NOUN
ejif-3301	273	10	is	be	AUX
ejif-3301	273	11	briefly	briefly	ADV
ejif-3301	273	12	explained	explain	VERB
ejif-3301	273	13	below	below	ADP
ejif-3301	273	14	1	1	NUM
ejif-3301	273	15	.	.	PUNCT
ejif-3301	274	1	margins	margin	NOUN
ejif-3301	274	2	:	:	PUNCT
ejif-3301	274	3	net	net	ADJ
ejif-3301	274	4	income	income	NOUN
ejif-3301	274	5	/	/	SYM
ejif-3301	274	6	total	total	NOUN
ejif-3301	274	7	revenue	revenue	NOUN
ejif-3301	274	8	.	.	PUNCT
ejif-3301	275	1	high	high	ADJ
ejif-3301	275	2	margins	margin	NOUN
ejif-3301	275	3	are	be	AUX
ejif-3301	275	4	often	often	ADV
ejif-3301	275	5	associated	associate	VERB
ejif-3301	275	6	with	with	ADP
ejif-3301	275	7	organizations	organization	NOUN
ejif-3301	275	8	that	that	PRON
ejif-3301	275	9	are	be	AUX
ejif-3301	275	10	involved	involve	VERB
ejif-3301	275	11	in	in	ADP
ejif-3301	275	12	rendering	render	VERB
ejif-3301	275	13	niche	niche	NOUN
ejif-3301	275	14	services	service	NOUN
ejif-3301	275	15	/	/	SYM
ejif-3301	275	16	products	product	NOUN
ejif-3301	275	17	,	,	PUNCT
ejif-3301	275	18	have	have	VERB
ejif-3301	275	19	stringent	stringent	ADJ
ejif-3301	275	20	control	control	NOUN
ejif-3301	275	21	over	over	ADP
ejif-3301	275	22	its	its	PRON
ejif-3301	275	23	cost	cost	NOUN
ejif-3301	275	24	structure	structure	NOUN
ejif-3301	275	25	(	(	PUNCT
ejif-3301	275	26	economies	economy	NOUN
ejif-3301	275	27	of	of	ADP
ejif-3301	275	28	scales	scale	NOUN
ejif-3301	275	29	or	or	CCONJ
ejif-3301	275	30	effective	effective	ADJ
ejif-3301	275	31	use	use	NOUN
ejif-3301	275	32	of	of	ADP
ejif-3301	275	33	assets	asset	NOUN
ejif-3301	275	34	)	)	PUNCT
ejif-3301	275	35	,	,	PUNCT
ejif-3301	275	36	and	and	CCONJ
ejif-3301	275	37	the	the	DET
ejif-3301	275	38	ones	one	NOUN
ejif-3301	275	39	enjoying	enjoy	VERB
ejif-3301	275	40	monopolistic	monopolistic	ADJ
ejif-3301	275	41	market	market	NOUN
ejif-3301	275	42	conditions	condition	NOUN
ejif-3301	275	43	.	.	PUNCT
ejif-3301	276	1	2	2	X
ejif-3301	276	2	.	.	X
ejif-3301	276	3	efficiency	efficiency	NOUN
ejif-3301	276	4	:	:	PUNCT
ejif-3301	276	5	asset	asset	NOUN
ejif-3301	276	6	turnover	turnover	NOUN
ejif-3301	276	7	ratio	ratio	NOUN
ejif-3301	276	8	is	be	AUX
ejif-3301	276	9	a	a	DET
ejif-3301	276	10	metric	metric	ADJ
ejif-3301	276	11	most	most	ADV
ejif-3301	276	12	commonly	commonly	ADV
ejif-3301	276	13	used	use	VERB
ejif-3301	276	14	for	for	ADP
ejif-3301	276	15	measuring	measure	VERB
ejif-3301	276	16	firm	firm	NOUN
ejif-3301	276	17	’s	’s	PART
ejif-3301	276	18	efficiency	efficiency	NOUN
ejif-3301	276	19	by	by	ADP
ejif-3301	276	20	dividing	divide	VERB
ejif-3301	276	21	total	total	ADJ
ejif-3301	276	22	sales	sale	NOUN
ejif-3301	276	23	with	with	ADP
ejif-3301	276	24	total	total	ADJ
ejif-3301	276	25	assets	asset	NOUN
ejif-3301	276	26	.	.	PUNCT
ejif-3301	277	1	it	it	PRON
ejif-3301	277	2	allows	allow	VERB
ejif-3301	277	3	the	the	DET
ejif-3301	277	4	users	user	NOUN
ejif-3301	277	5	of	of	ADP
ejif-3301	277	6	financial	financial	ADJ
ejif-3301	277	7	information	information	NOUN
ejif-3301	277	8	to	to	PART
ejif-3301	277	9	assess	assess	VERB
ejif-3301	277	10	how	how	SCONJ
ejif-3301	277	11	effectively	effectively	ADV
ejif-3301	277	12	the	the	DET
ejif-3301	277	13	firms	firm	NOUN
ejif-3301	277	14	is	be	AUX
ejif-3301	277	15	capitalizing	capitalize	VERB
ejif-3301	277	16	its	its	PRON
ejif-3301	277	17	assets	asset	NOUN
ejif-3301	277	18	in	in	ADP
ejif-3301	277	19	generating	generate	VERB
ejif-3301	277	20	profitability	profitability	NOUN
ejif-3301	277	21	3	3	NUM
ejif-3301	277	22	.	.	PUNCT
ejif-3301	277	23	financing	finance	VERB
ejif-3301	277	24	policy	policy	NOUN
ejif-3301	277	25	:	:	PUNCT
ejif-3301	277	26	the	the	DET
ejif-3301	277	27	third	third	ADJ
ejif-3301	277	28	component	component	NOUN
ejif-3301	277	29	of	of	ADP
ejif-3301	277	30	dupont	dupont	PROPN
ejif-3301	277	31	model	model	NOUN
ejif-3301	277	32	pertains	pertain	VERB
ejif-3301	277	33	to	to	PART
ejif-3301	277	34	measurement	measurement	NOUN
ejif-3301	277	35	of	of	ADP
ejif-3301	277	36	company	company	NOUN
ejif-3301	277	37	’s	’s	PART
ejif-3301	277	38	financial	financial	ADJ
ejif-3301	277	39	leverage	leverage	NOUN
ejif-3301	277	40	by	by	ADP
ejif-3301	277	41	means	mean	NOUN
ejif-3301	277	42	of	of	ADP
ejif-3301	277	43	equity	equity	NOUN
ejif-3301	277	44	multiplier	multiplier	ADV
ejif-3301	277	45	.	.	PUNCT
ejif-3301	278	1	it	it	PRON
ejif-3301	278	2	is	be	AUX
ejif-3301	278	3	a	a	DET
ejif-3301	278	4	financial	financial	ADJ
ejif-3301	278	5	ratio	ratio	NOUN
ejif-3301	278	6	determined	determine	VERB
ejif-3301	278	7	by	by	ADP
ejif-3301	278	8	dividing	divide	VERB
ejif-3301	278	9	a	a	DET
ejif-3301	278	10	company	company	NOUN
ejif-3301	278	11	's	's	PART
ejif-3301	278	12	total	total	ADJ
ejif-3301	278	13	asset	asset	NOUN
ejif-3301	278	14	value	value	NOUN
ejif-3301	278	15	by	by	ADP
ejif-3301	278	16	total	total	ADJ
ejif-3301	278	17	net	net	ADJ
ejif-3301	278	18	equity	equity	NOUN
ejif-3301	278	19	.	.	PUNCT
ejif-3301	279	1	other	other	ADJ
ejif-3301	279	2	ratios	ratio	NOUN
ejif-3301	279	3	that	that	PRON
ejif-3301	279	4	depicted	depict	VERB
ejif-3301	279	5	performance	performance	NOUN
ejif-3301	279	6	were	be	AUX
ejif-3301	279	7	also	also	ADV
ejif-3301	279	8	analysed	analyse	VERB
ejif-3301	279	9	,	,	PUNCT
ejif-3301	279	10	these	these	PRON
ejif-3301	279	11	includes	include	VERB
ejif-3301	279	12	4	4	NUM
ejif-3301	279	13	.	.	PUNCT
ejif-3301	279	14	fixed	fix	VERB
ejif-3301	279	15	asset	asset	NOUN
ejif-3301	279	16	turnover	turnover	NOUN
ejif-3301	279	17	:	:	PUNCT
ejif-3301	279	18	it	it	PRON
ejif-3301	279	19	is	be	AUX
ejif-3301	279	20	used	use	VERB
ejif-3301	279	21	by	by	ADP
ejif-3301	279	22	analysts	analyst	NOUN
ejif-3301	279	23	to	to	PART
ejif-3301	279	24	measure	measure	VERB
ejif-3301	279	25	operating	operating	NOUN
ejif-3301	279	26	performance	performance	NOUN
ejif-3301	279	27	.	.	PUNCT
ejif-3301	280	1	this	this	DET
ejif-3301	280	2	efficiency	efficiency	NOUN
ejif-3301	280	3	ratio	ratio	NOUN
ejif-3301	280	4	compares	compare	VERB
ejif-3301	280	5	net	net	ADJ
ejif-3301	280	6	sales	sale	NOUN
ejif-3301	280	7	(	(	PUNCT
ejif-3301	280	8	income	income	NOUN
ejif-3301	280	9	statement	statement	NOUN
ejif-3301	280	10	)	)	PUNCT
ejif-3301	280	11	to	to	ADP
ejif-3301	280	12	fixed	fix	VERB
ejif-3301	280	13	assets	asset	NOUN
ejif-3301	280	14	(	(	PUNCT
ejif-3301	280	15	balance	balance	NOUN
ejif-3301	280	16	sheet	sheet	NOUN
ejif-3301	280	17	)	)	PUNCT
ejif-3301	280	18	and	and	CCONJ
ejif-3301	280	19	measures	measure	VERB
ejif-3301	280	20	a	a	DET
ejif-3301	280	21	company	company	NOUN
ejif-3301	280	22	's	's	PART
ejif-3301	280	23	ability	ability	NOUN
ejif-3301	280	24	to	to	PART
ejif-3301	280	25	generate	generate	VERB
ejif-3301	280	26	net	net	ADJ
ejif-3301	280	27	sales	sale	NOUN
ejif-3301	280	28	from	from	ADP
ejif-3301	280	29	its	its	PRON
ejif-3301	280	30	fixed	fix	VERB
ejif-3301	280	31	-	-	PUNCT
ejif-3301	280	32	asset	asset	NOUN
ejif-3301	280	33	investments	investment	NOUN
ejif-3301	280	34	,	,	PUNCT
ejif-3301	280	35	namely	namely	ADV
ejif-3301	280	36	property	property	NOUN
ejif-3301	280	37	,	,	PUNCT
ejif-3301	280	38	plant	plant	NOUN
ejif-3301	280	39	,	,	PUNCT
ejif-3301	280	40	and	and	CCONJ
ejif-3301	280	41	equipment	equipment	NOUN
ejif-3301	280	42	(	(	PUNCT
ejif-3301	280	43	pp&e	pp&e	PROPN
ejif-3301	280	44	)	)	PUNCT
ejif-3301	280	45	.	.	PUNCT
ejif-3301	281	1	in	in	ADP
ejif-3301	281	2	general	general	ADJ
ejif-3301	281	3	,	,	PUNCT
ejif-3301	281	4	a	a	DET
ejif-3301	281	5	higher	high	ADJ
ejif-3301	281	6	fixed	fix	VERB
ejif-3301	281	7	asset	asset	NOUN
ejif-3301	281	8	turnover	turnover	NOUN
ejif-3301	281	9	ratio	ratio	NOUN
ejif-3301	281	10	indicates	indicate	VERB
ejif-3301	281	11	that	that	SCONJ
ejif-3301	281	12	a	a	DET
ejif-3301	281	13	company	company	NOUN
ejif-3301	281	14	has	have	AUX
ejif-3301	281	15	more	more	ADV
ejif-3301	281	16	effectively	effectively	ADV
ejif-3301	281	17	and	and	CCONJ
ejif-3301	281	18	efficiently	efficiently	ADV
ejif-3301	281	19	utilized	utilize	VERB
ejif-3301	281	20	its	its	PRON
ejif-3301	281	21	fixed	fix	VERB
ejif-3301	281	22	assets	asset	NOUN
ejif-3301	281	23	.	.	PUNCT
ejif-3301	282	1	5	5	X
ejif-3301	282	2	.	.	X
ejif-3301	282	3	return	return	VERB
ejif-3301	282	4	on	on	ADP
ejif-3301	282	5	assets	asset	NOUN
ejif-3301	282	6	(	(	PUNCT
ejif-3301	282	7	roa	roa	NOUN
ejif-3301	282	8	):	):	PUNCT
ejif-3301	282	9	is	be	AUX
ejif-3301	282	10	an	an	DET
ejif-3301	282	11	indicator	indicator	NOUN
ejif-3301	282	12	of	of	ADP
ejif-3301	282	13	how	how	SCONJ
ejif-3301	282	14	profitable	profitable	ADJ
ejif-3301	282	15	a	a	DET
ejif-3301	282	16	company	company	NOUN
ejif-3301	282	17	is	be	AUX
ejif-3301	282	18	relative	relative	ADJ
ejif-3301	282	19	to	to	ADP
ejif-3301	282	20	its	its	PRON
ejif-3301	282	21	total	total	ADJ
ejif-3301	282	22	assets	asset	NOUN
ejif-3301	282	23	.	.	PUNCT
ejif-3301	283	1	roa	roa	PROPN
ejif-3301	283	2	gives	give	VERB
ejif-3301	283	3	a	a	DET
ejif-3301	283	4	manager	manager	NOUN
ejif-3301	283	5	,	,	PUNCT
ejif-3301	283	6	investor	investor	NOUN
ejif-3301	283	7	,	,	PUNCT
ejif-3301	283	8	or	or	CCONJ
ejif-3301	283	9	analyst	analyst	NOUN
ejif-3301	283	10	an	an	DET
ejif-3301	283	11	idea	idea	NOUN
ejif-3301	283	12	as	as	ADP
ejif-3301	283	13	to	to	ADP
ejif-3301	283	14	how	how	SCONJ
ejif-3301	283	15	efficient	efficient	ADJ
ejif-3301	283	16	a	a	DET
ejif-3301	283	17	company	company	NOUN
ejif-3301	283	18	's	's	PART
ejif-3301	283	19	management	management	NOUN
ejif-3301	283	20	is	be	AUX
ejif-3301	283	21	at	at	ADP
ejif-3301	283	22	using	use	VERB
ejif-3301	283	23	its	its	PRON
ejif-3301	283	24	assets	asset	NOUN
ejif-3301	283	25	to	to	PART
ejif-3301	283	26	generate	generate	VERB
ejif-3301	283	27	earnings	earning	NOUN
ejif-3301	283	28	6	6	NUM
ejif-3301	283	29	.	.	PUNCT
ejif-3301	284	1	interest	interest	NOUN
ejif-3301	284	2	coverage	coverage	NOUN
ejif-3301	284	3	ratio	ratio	NOUN
ejif-3301	284	4	is	be	AUX
ejif-3301	284	5	a	a	DET
ejif-3301	284	6	debt	debt	NOUN
ejif-3301	284	7	ratio	ratio	NOUN
ejif-3301	284	8	and	and	CCONJ
ejif-3301	284	9	profitability	profitability	NOUN
ejif-3301	284	10	ratio	ratio	NOUN
ejif-3301	284	11	used	use	VERB
ejif-3301	284	12	to	to	PART
ejif-3301	284	13	determine	determine	VERB
ejif-3301	284	14	how	how	SCONJ
ejif-3301	284	15	easily	easily	ADV
ejif-3301	284	16	a	a	DET
ejif-3301	284	17	company	company	NOUN
ejif-3301	284	18	can	can	AUX
ejif-3301	284	19	pay	pay	VERB
ejif-3301	284	20	interest	interest	NOUN
ejif-3301	284	21	on	on	ADP
ejif-3301	284	22	its	its	PRON
ejif-3301	284	23	outstanding	outstanding	ADJ
ejif-3301	284	24	debt	debt	NOUN
ejif-3301	284	25	.	.	PUNCT
ejif-3301	285	1	the	the	DET
ejif-3301	285	2	interest	interest	NOUN
ejif-3301	285	3	coverage	coverage	NOUN
ejif-3301	285	4	ratio	ratio	NOUN
ejif-3301	285	5	may	may	AUX
ejif-3301	285	6	be	be	AUX
ejif-3301	285	7	calculated	calculate	VERB
ejif-3301	285	8	by	by	ADP
ejif-3301	285	9	dividing	divide	VERB
ejif-3301	285	10	a	a	DET
ejif-3301	285	11	company	company	NOUN
ejif-3301	285	12	's	's	PART
ejif-3301	285	13	earnings	earning	NOUN
ejif-3301	285	14	before	before	ADP
ejif-3301	285	15	interest	interest	NOUN
ejif-3301	285	16	and	and	CCONJ
ejif-3301	285	17	taxes	taxis	NOUN
ejif-3301	285	18	(	(	PUNCT
ejif-3301	285	19	ebit	ebit	PROPN
ejif-3301	285	20	)	)	PUNCT
ejif-3301	285	21	during	during	ADP
ejif-3301	285	22	a	a	DET
ejif-3301	285	23	given	give	VERB
ejif-3301	285	24	period	period	NOUN
ejif-3301	285	25	by	by	ADP
ejif-3301	285	26	the	the	DET
ejif-3301	285	27	company	company	NOUN
ejif-3301	285	28	's	's	PART
ejif-3301	285	29	interest	interest	NOUN
ejif-3301	285	30	payments	payment	NOUN
ejif-3301	285	31	due	due	ADJ
ejif-3301	285	32	within	within	ADP
ejif-3301	285	33	the	the	DET
ejif-3301	285	34	same	same	ADJ
ejif-3301	285	35	period	period	NOUN
ejif-3301	285	36	.	.	PUNCT
ejif-3301	286	1	the	the	DET
ejif-3301	286	2	interest	interest	NOUN
ejif-3301	286	3	coverage	coverage	NOUN
ejif-3301	286	4	ratio	ratio	NOUN
ejif-3301	286	5	is	be	AUX
ejif-3301	286	6	also	also	ADV
ejif-3301	286	7	called	call	VERB
ejif-3301	286	8	“	"	PUNCT
ejif-3301	286	9	times	time	NOUN
ejif-3301	286	10	interest	interest	NOUN
ejif-3301	286	11	earned	earn	VERB
ejif-3301	286	12	.	.	PUNCT
ejif-3301	286	13	”	"	PUNCT
ejif-3301	287	1	lenders	lender	NOUN
ejif-3301	287	2	,	,	PUNCT
ejif-3301	287	3	investors	investor	NOUN
ejif-3301	287	4	,	,	PUNCT
ejif-3301	287	5	and	and	CCONJ
ejif-3301	287	6	creditors	creditor	NOUN
ejif-3301	287	7	often	often	ADV
ejif-3301	287	8	use	use	VERB
ejif-3301	287	9	this	this	DET
ejif-3301	287	10	formula	formula	NOUN
ejif-3301	287	11	to	to	PART
ejif-3301	287	12	determine	determine	VERB
ejif-3301	287	13	a	a	DET
ejif-3301	287	14	company	company	NOUN
ejif-3301	287	15	's	's	PART
ejif-3301	287	16	riskiness	riskiness	NOUN
ejif-3301	287	17	relative	relative	ADJ
ejif-3301	287	18	to	to	ADP
ejif-3301	287	19	its	its	PRON
ejif-3301	287	20	current	current	ADJ
ejif-3301	287	21	debt	debt	NOUN
ejif-3301	287	22	or	or	CCONJ
ejif-3301	287	23	for	for	ADP
ejif-3301	287	24	future	future	ADJ
ejif-3301	287	25	borrowing	borrowing	NOUN
ejif-3301	287	26	.	.	PUNCT
ejif-3301	288	1	4.3	4.3	NUM
ejif-3301	288	2	methodology	methodology	NOUN
ejif-3301	288	3	we	we	PRON
ejif-3301	288	4	attempted	attempt	VERB
ejif-3301	288	5	3	3	NUM
ejif-3301	288	6	pronged	pronged	ADJ
ejif-3301	288	7	approach	approach	NOUN
ejif-3301	288	8	for	for	ADP
ejif-3301	288	9	analysing	analyse	VERB
ejif-3301	288	10	the	the	DET
ejif-3301	288	11	problems	problem	NOUN
ejif-3301	288	12	of	of	ADP
ejif-3301	288	13	moral	moral	ADJ
ejif-3301	288	14	hazards	hazard	NOUN
ejif-3301	288	15	and	and	CCONJ
ejif-3301	288	16	adverse	adverse	ADJ
ejif-3301	288	17	selection	selection	NOUN
ejif-3301	288	18	.	.	PUNCT
ejif-3301	289	1	at	at	ADP
ejif-3301	289	2	first	first	ADV
ejif-3301	289	3	,	,	PUNCT
ejif-3301	289	4	we	we	PRON
ejif-3301	289	5	compare	compare	VERB
ejif-3301	289	6	the	the	DET
ejif-3301	289	7	mean	mean	NOUN
ejif-3301	289	8	and	and	CCONJ
ejif-3301	289	9	variance	variance	NOUN
ejif-3301	289	10	of	of	ADP
ejif-3301	289	11	different	different	ADJ
ejif-3301	289	12	efficiency	efficiency	NOUN
ejif-3301	289	13	and	and	CCONJ
ejif-3301	289	14	performance	performance	NOUN
ejif-3301	289	15	measure	measure	NOUN
ejif-3301	289	16	and	and	CCONJ
ejif-3301	289	17	performed	perform	VERB
ejif-3301	289	18	independent	independent	ADJ
ejif-3301	289	19	t	t	PROPN
ejif-3301	289	20	test	test	NOUN
ejif-3301	289	21	to	to	PART
ejif-3301	289	22	ascertain	ascertain	VERB
ejif-3301	289	23	whether	whether	SCONJ
ejif-3301	289	24	the	the	DET
ejif-3301	289	25	performance	performance	NOUN
ejif-3301	289	26	to	to	ADP
ejif-3301	289	27	the	the	DET
ejif-3301	289	28	two	two	NUM
ejif-3301	289	29	modes	mode	NOUN
ejif-3301	289	30	of	of	ADP
ejif-3301	289	31	finance	finance	NOUN
ejif-3301	289	32	statically	statically	ADV
ejif-3301	289	33	different	different	ADJ
ejif-3301	289	34	.	.	PUNCT
ejif-3301	290	1	4.3.1	4.3.1	NUM
ejif-3301	290	2	performance	performance	NOUN
ejif-3301	290	3	comparison	comparison	NOUN
ejif-3301	290	4	of	of	ADP
ejif-3301	290	5	the	the	DET
ejif-3301	290	6	two	two	NUM
ejif-3301	290	7	modes	mode	NOUN
ejif-3301	290	8	of	of	ADP
ejif-3301	290	9	financing	finance	VERB
ejif-3301	290	10	the	the	DET
ejif-3301	290	11	first	first	ADJ
ejif-3301	290	12	four	four	NUM
ejif-3301	290	13	dependent	dependent	ADJ
ejif-3301	290	14	variables	variable	NOUN
ejif-3301	290	15	were	be	AUX
ejif-3301	290	16	financing	finance	VERB
ejif-3301	290	17	details	detail	NOUN
ejif-3301	290	18	and	and	CCONJ
ejif-3301	290	19	subsequent	subsequent	ADJ
ejif-3301	290	20	six	six	NUM
ejif-3301	290	21	variables	variable	NOUN
ejif-3301	290	22	are	be	AUX
ejif-3301	290	23	performance	performance	NOUN
ejif-3301	290	24	details	detail	NOUN
ejif-3301	290	25	of	of	ADP
ejif-3301	290	26	three	three	NUM
ejif-3301	290	27	years	year	NOUN
ejif-3301	290	28	after	after	SCONJ
ejif-3301	290	29	financing	financing	NOUN
ejif-3301	290	30	have	have	AUX
ejif-3301	290	31	being	be	AUX
ejif-3301	290	32	taken	take	VERB
ejif-3301	290	33	.	.	PUNCT
ejif-3301	291	1	we	we	PRON
ejif-3301	291	2	hypothesized	hypothesize	VERB
ejif-3301	291	3	that	that	SCONJ
ejif-3301	291	4	in	in	ADP
ejif-3301	291	5	murabaha	murabaha	NOUN
ejif-3301	291	6	financing	financing	NOUN
ejif-3301	291	7	,	,	PUNCT
ejif-3301	291	8	where	where	SCONJ
ejif-3301	291	9	problems	problem	NOUN
ejif-3301	291	10	of	of	ADP
ejif-3301	291	11	asymmetric	asymmetric	ADJ
ejif-3301	291	12	information	information	NOUN
ejif-3301	291	13	is	be	AUX
ejif-3301	291	14	less	less	ADJ
ejif-3301	291	15	because	because	SCONJ
ejif-3301	291	16	of	of	ADP
ejif-3301	291	17	position	position	NOUN
ejif-3301	291	18	transfer	transfer	NOUN
ejif-3301	291	19	mechanism	mechanism	NOUN
ejif-3301	291	20	discussed	discuss	VERB
ejif-3301	291	21	above	above	ADV
ejif-3301	291	22	,	,	PUNCT
ejif-3301	291	23	this	this	PRON
ejif-3301	291	24	will	will	AUX
ejif-3301	291	25	more	more	ADV
ejif-3301	291	26	efficiently	efficiently	ADV
ejif-3301	291	27	be	be	AUX
ejif-3301	291	28	utilized	utilize	VERB
ejif-3301	291	29	in	in	ADP
ejif-3301	291	30	the	the	DET
ejif-3301	291	31	business	business	NOUN
ejif-3301	291	32	,	,	PUNCT
ejif-3301	291	33	these	these	DET
ejif-3301	291	34	funds	fund	NOUN
ejif-3301	291	35	would	would	AUX
ejif-3301	291	36	not	not	PART
ejif-3301	291	37	be	be	AUX
ejif-3301	291	38	diverted	divert	VERB
ejif-3301	291	39	in	in	ADP
ejif-3301	291	40	other	other	ADJ
ejif-3301	291	41	risky	risky	ADJ
ejif-3301	291	42	sectors	sector	NOUN
ejif-3301	291	43	that	that	PRON
ejif-3301	291	44	would	would	AUX
ejif-3301	291	45	increase	increase	VERB
ejif-3301	291	46	the	the	DET
ejif-3301	291	47	risk	risk	NOUN
ejif-3301	291	48	and	and	CCONJ
ejif-3301	291	49	reduce	reduce	VERB
ejif-3301	291	50	the	the	DET
ejif-3301	291	51	performance	performance	NOUN
ejif-3301	291	52	in	in	ADP
ejif-3301	291	53	long	long	ADJ
ejif-3301	291	54	run	run	NOUN
ejif-3301	291	55	.	.	PUNCT
ejif-3301	292	1	in	in	ADP
ejif-3301	292	2	short	short	ADJ
ejif-3301	292	3	run	run	NOUN
ejif-3301	292	4	,	,	PUNCT
ejif-3301	292	5	they	they	PRON
ejif-3301	292	6	might	might	AUX
ejif-3301	292	7	benefit	benefit	VERB
ejif-3301	292	8	from	from	ADP
ejif-3301	292	9	the	the	DET
ejif-3301	292	10	windfall	windfall	NOUN
ejif-3301	292	11	profit	profit	NOUN
ejif-3301	292	12	in	in	ADP
ejif-3301	292	13	risk	risk	NOUN
ejif-3301	292	14	businesses	business	NOUN
ejif-3301	292	15	but	but	CCONJ
ejif-3301	292	16	due	due	ADP
ejif-3301	292	17	to	to	ADP
ejif-3301	292	18	stochastic	stochastic	ADJ
ejif-3301	292	19	nature	nature	NOUN
ejif-3301	292	20	of	of	ADP
ejif-3301	292	21	risky	risky	ADJ
ejif-3301	292	22	returns	return	NOUN
ejif-3301	292	23	,	,	PUNCT
ejif-3301	292	24	these	these	PRON
ejif-3301	292	25	will	will	AUX
ejif-3301	292	26	cancel	cancel	VERB
ejif-3301	292	27	off	off	ADP
ejif-3301	292	28	in	in	ADP
ejif-3301	292	29	long	long	ADJ
ejif-3301	292	30	run	run	NOUN
ejif-3301	292	31	thereby	thereby	ADV
ejif-3301	292	32	decreasing	decrease	VERB
ejif-3301	292	33	the	the	DET
ejif-3301	292	34	performance	performance	NOUN
ejif-3301	292	35	and	and	CCONJ
ejif-3301	292	36	efficiency	efficiency	NOUN
ejif-3301	292	37	.	.	PUNCT
ejif-3301	293	1	table	table	NOUN
ejif-3301	293	2	5	5	NUM
ejif-3301	293	3	:	:	PUNCT
ejif-3301	293	4	t	t	NOUN
ejif-3301	293	5	-	-	PUNCT
ejif-3301	293	6	test	test	NOUN
ejif-3301	293	7	:	:	PUNCT
ejif-3301	293	8	two	two	NUM
ejif-3301	293	9	-	-	PUNCT
ejif-3301	293	10	sample	sample	NOUN
ejif-3301	293	11	assuming	assume	VERB
ejif-3301	293	12	unequal	unequal	ADJ
ejif-3301	293	13	variances	variance	NOUN
ejif-3301	293	14	see	see	VERB
ejif-3301	293	15	in	in	ADP
ejif-3301	293	16	last	last	ADJ
ejif-3301	293	17	of	of	ADP
ejif-3301	293	18	article	article	NOUN
ejif-3301	293	19	table	table	NOUN
ejif-3301	293	20	4	4	NUM
ejif-3301	293	21	showed	show	VERB
ejif-3301	293	22	that	that	SCONJ
ejif-3301	293	23	the	the	DET
ejif-3301	293	24	input	input	NOUN
ejif-3301	293	25	variables	variable	NOUN
ejif-3301	293	26	do	do	AUX
ejif-3301	293	27	not	not	PART
ejif-3301	293	28	depict	depict	VERB
ejif-3301	293	29	any	any	DET
ejif-3301	293	30	significant	significant	ADJ
ejif-3301	293	31	difference	difference	NOUN
ejif-3301	293	32	apart	apart	ADV
ejif-3301	293	33	from	from	ADP
ejif-3301	293	34	disbursed	disburse	VERB
ejif-3301	293	35	amount	amount	NOUN
ejif-3301	293	36	.	.	PUNCT
ejif-3301	294	1	especially	especially	ADV
ejif-3301	294	2	the	the	DET
ejif-3301	294	3	profit	profit	NOUN
ejif-3301	294	4	rate	rate	NOUN
ejif-3301	294	5	and	and	CCONJ
ejif-3301	294	6	spread	spread	VERB
ejif-3301	294	7	that	that	PRON
ejif-3301	294	8	depict	depict	VERB
ejif-3301	294	9	the	the	DET
ejif-3301	294	10	riskiness	riskiness	NOUN
ejif-3301	294	11	of	of	ADP
ejif-3301	294	12	investment	investment	NOUN
ejif-3301	294	13	did	do	AUX
ejif-3301	294	14	n’t	not	PART
ejif-3301	294	15	seemed	seem	VERB
ejif-3301	294	16	to	to	PART
ejif-3301	294	17	differ	differ	VERB
ejif-3301	294	18	significantly	significantly	ADV
ejif-3301	294	19	(	(	PUNCT
ejif-3301	294	20	p	p	NOUN
ejif-3301	294	21	value	value	NOUN
ejif-3301	294	22	0.99	0.99	NUM
ejif-3301	294	23	,	,	PUNCT
ejif-3301	294	24	and	and	CCONJ
ejif-3301	294	25	0.23	0.23	NUM
ejif-3301	294	26	)	)	PUNCT
ejif-3301	294	27	.	.	PUNCT
ejif-3301	295	1	this	this	PRON
ejif-3301	295	2	means	mean	VERB
ejif-3301	295	3	that	that	SCONJ
ejif-3301	295	4	both	both	DET
ejif-3301	295	5	modes	mode	NOUN
ejif-3301	295	6	of	of	ADP
ejif-3301	295	7	financing	financing	NOUN
ejif-3301	295	8	have	have	VERB
ejif-3301	295	9	more	more	ADJ
ejif-3301	295	10	or	or	CCONJ
ejif-3301	295	11	less	less	ADV
ejif-3301	295	12	the	the	DET
ejif-3301	295	13	same	same	ADJ
ejif-3301	295	14	risk	risk	NOUN
ejif-3301	295	15	level	level	NOUN
ejif-3301	295	16	of	of	ADP
ejif-3301	295	17	customers	customer	NOUN
ejif-3301	295	18	.	.	PUNCT
ejif-3301	296	1	despite	despite	SCONJ
ejif-3301	296	2	the	the	DET
ejif-3301	296	3	fact	fact	NOUN
ejif-3301	296	4	that	that	SCONJ
ejif-3301	296	5	on	on	ADP
ejif-3301	296	6	average	average	ADJ
ejif-3301	296	7	murabaha	murabaha	NOUN
ejif-3301	296	8	financing	financing	NOUN
ejif-3301	296	9	has	have	AUX
ejif-3301	296	10	slightly	slightly	ADV
ejif-3301	296	11	more	more	ADJ
ejif-3301	296	12	maturity	maturity	NOUN
ejif-3301	296	13	that	that	PRON
ejif-3301	296	14	is	be	AUX
ejif-3301	296	15	significantly	significantly	ADV
ejif-3301	296	16	different	different	ADJ
ejif-3301	296	17	.	.	PUNCT
ejif-3301	297	1	ejif	ejif	PROPN
ejif-3301	297	2	–	–	PUNCT
ejif-3301	297	3	european	european	PROPN
ejif-3301	297	4	journal	journal	PROPN
ejif-3301	297	5	of	of	ADP
ejif-3301	297	6	islamic	islamic	PROPN
ejif-3301	297	7	finance	finance	PROPN
ejif-3301	297	8	no	no	DET
ejif-3301	297	9	14	14	NUM
ejif-3301	297	10	,	,	PUNCT
ejif-3301	297	11	december	december	PROPN
ejif-3301	297	12	(	(	PUNCT
ejif-3301	297	13	2019	2019	NUM
ejif-3301	297	14	)	)	PUNCT
ejif-3301	298	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	298	2	issn	issn	VERB
ejif-3301	298	3	2421	2421	NUM
ejif-3301	298	4	-	-	SYM
ejif-3301	298	5	2172	2172	NUM
ejif-3301	298	6	11	11	NUM
ejif-3301	298	7	on	on	ADP
ejif-3301	298	8	the	the	DET
ejif-3301	298	9	other	other	ADJ
ejif-3301	298	10	hand	hand	NOUN
ejif-3301	298	11	,	,	PUNCT
ejif-3301	298	12	the	the	DET
ejif-3301	298	13	output	output	NOUN
ejif-3301	298	14	variables	variable	NOUN
ejif-3301	298	15	depict	depict	VERB
ejif-3301	298	16	a	a	DET
ejif-3301	298	17	slightly	slightly	ADV
ejif-3301	298	18	different	different	ADJ
ejif-3301	298	19	picture	picture	NOUN
ejif-3301	298	20	.	.	PUNCT
ejif-3301	299	1	two	two	NUM
ejif-3301	299	2	out	out	ADP
ejif-3301	299	3	of	of	ADP
ejif-3301	299	4	three	three	NUM
ejif-3301	299	5	dupont	dupont	NOUN
ejif-3301	299	6	measures	measure	NOUN
ejif-3301	299	7	showed	show	VERB
ejif-3301	299	8	mildly	mildly	ADV
ejif-3301	299	9	significantly	significantly	ADJ
ejif-3301	299	10	difference	difference	NOUN
ejif-3301	299	11	among	among	ADP
ejif-3301	299	12	them	they	PRON
ejif-3301	299	13	.	.	PUNCT
ejif-3301	300	1	with	with	ADP
ejif-3301	300	2	both	both	DET
ejif-3301	300	3	profit	profit	NOUN
ejif-3301	300	4	margin	margin	NOUN
ejif-3301	300	5	and	and	CCONJ
ejif-3301	300	6	turnover	turnover	NOUN
ejif-3301	300	7	that	that	PRON
ejif-3301	300	8	showed	show	VERB
ejif-3301	300	9	demand	demand	NOUN
ejif-3301	300	10	and	and	CCONJ
ejif-3301	300	11	supply	supply	NOUN
ejif-3301	300	12	side	side	NOUN
ejif-3301	300	13	performance	performance	NOUN
ejif-3301	300	14	and	and	CCONJ
ejif-3301	300	15	efficiency	efficiency	NOUN
ejif-3301	300	16	respectively	respectively	ADV
ejif-3301	300	17	are	be	AUX
ejif-3301	300	18	on	on	ADP
ejif-3301	300	19	average	average	ADJ
ejif-3301	300	20	higher	high	ADJ
ejif-3301	300	21	for	for	ADP
ejif-3301	300	22	murabaha	murabaha	NOUN
ejif-3301	300	23	financing	financing	NOUN
ejif-3301	300	24	.	.	PUNCT
ejif-3301	301	1	where	where	SCONJ
ejif-3301	301	2	tijara	tijara	NOUN
ejif-3301	301	3	and	and	CCONJ
ejif-3301	301	4	istisna	istisna	NOUN
ejif-3301	301	5	is	be	AUX
ejif-3301	301	6	mainly	mainly	ADV
ejif-3301	301	7	benefiting	benefit	VERB
ejif-3301	301	8	from	from	ADP
ejif-3301	301	9	leverage	leverage	NOUN
ejif-3301	301	10	however	however	ADV
ejif-3301	301	11	the	the	DET
ejif-3301	301	12	difference	difference	NOUN
ejif-3301	301	13	showed	show	VERB
ejif-3301	301	14	insignificant	insignificant	ADJ
ejif-3301	301	15	.	.	PUNCT
ejif-3301	302	1	the	the	DET
ejif-3301	302	2	other	other	ADJ
ejif-3301	302	3	ratios	ratio	NOUN
ejif-3301	302	4	like	like	ADP
ejif-3301	302	5	roa	roa	NOUN
ejif-3301	302	6	and	and	CCONJ
ejif-3301	302	7	interest	interest	NOUN
ejif-3301	302	8	coverage	coverage	NOUN
ejif-3301	302	9	,	,	PUNCT
ejif-3301	302	10	also	also	ADV
ejif-3301	302	11	shown	show	VERB
ejif-3301	302	12	better	well	ADJ
ejif-3301	302	13	performance	performance	NOUN
ejif-3301	302	14	for	for	ADP
ejif-3301	302	15	murabaha	murabaha	NOUN
ejif-3301	302	16	financing	financing	NOUN
ejif-3301	302	17	with	with	ADP
ejif-3301	302	18	higher	high	ADJ
ejif-3301	302	19	mean	mean	NOUN
ejif-3301	302	20	and	and	CCONJ
ejif-3301	302	21	both	both	CCONJ
ejif-3301	302	22	significant	significant	ADJ
ejif-3301	302	23	at	at	ADP
ejif-3301	302	24	10	10	NUM
ejif-3301	302	25	%	%	NOUN
ejif-3301	302	26	and	and	CCONJ
ejif-3301	302	27	5	5	NUM
ejif-3301	302	28	%	%	NOUN
ejif-3301	302	29	respectively	respectively	ADV
ejif-3301	302	30	.	.	PUNCT
ejif-3301	303	1	this	this	DET
ejif-3301	303	2	analysis	analysis	NOUN
ejif-3301	303	3	showed	show	VERB
ejif-3301	303	4	two	two	NUM
ejif-3301	303	5	major	major	ADJ
ejif-3301	303	6	findings	finding	NOUN
ejif-3301	303	7	1	1	NUM
ejif-3301	303	8	.	.	PUNCT
ejif-3301	303	9	both	both	DET
ejif-3301	303	10	the	the	DET
ejif-3301	303	11	means	mean	NOUN
ejif-3301	303	12	of	of	ADP
ejif-3301	303	13	murabaha	murabaha	NOUN
ejif-3301	303	14	and	and	CCONJ
ejif-3301	303	15	istisna	istisna	NOUN
ejif-3301	303	16	financing	financing	NOUN
ejif-3301	303	17	are	be	AUX
ejif-3301	303	18	significantly	significantly	ADV
ejif-3301	303	19	different	different	ADJ
ejif-3301	303	20	in	in	ADP
ejif-3301	303	21	major	major	ADJ
ejif-3301	303	22	performance	performance	NOUN
ejif-3301	303	23	indicators	indicator	NOUN
ejif-3301	303	24	,	,	PUNCT
ejif-3301	303	25	implicating	implicate	VERB
ejif-3301	303	26	companies	company	NOUN
ejif-3301	303	27	that	that	PRON
ejif-3301	303	28	have	have	AUX
ejif-3301	303	29	taken	take	VERB
ejif-3301	303	30	these	these	DET
ejif-3301	303	31	two	two	NUM
ejif-3301	303	32	financing	financing	NOUN
ejif-3301	303	33	have	have	AUX
ejif-3301	303	34	performed	perform	VERB
ejif-3301	303	35	differently	differently	ADV
ejif-3301	303	36	.	.	PUNCT
ejif-3301	304	1	2	2	X
ejif-3301	304	2	.	.	X
ejif-3301	304	3	in	in	ADP
ejif-3301	304	4	most	most	ADJ
ejif-3301	304	5	of	of	ADP
ejif-3301	304	6	the	the	DET
ejif-3301	304	7	ratio	ratio	NOUN
ejif-3301	304	8	that	that	PRON
ejif-3301	304	9	mattered	matter	VERB
ejif-3301	304	10	like	like	ADP
ejif-3301	304	11	efficiency	efficiency	NOUN
ejif-3301	304	12	and	and	CCONJ
ejif-3301	304	13	profitability	profitability	NOUN
ejif-3301	304	14	,	,	PUNCT
ejif-3301	304	15	murabaha	murabaha	NOUN
ejif-3301	304	16	based	base	VERB
ejif-3301	304	17	financing	financing	NOUN
ejif-3301	304	18	have	have	AUX
ejif-3301	304	19	yielded	yield	VERB
ejif-3301	304	20	results	result	NOUN
ejif-3301	304	21	that	that	PRON
ejif-3301	304	22	are	be	AUX
ejif-3301	304	23	more	more	ADV
ejif-3301	304	24	efficient	efficient	ADJ
ejif-3301	304	25	and	and	CCONJ
ejif-3301	304	26	better	well	ADV
ejif-3301	304	27	performed	perform	VERB
ejif-3301	304	28	as	as	ADP
ejif-3301	304	29	compared	compare	VERB
ejif-3301	304	30	to	to	ADP
ejif-3301	304	31	istisna	istisna	NOUN
ejif-3301	304	32	.	.	PUNCT
ejif-3301	305	1	4.4	4.4	NUM
ejif-3301	305	2	correlation	correlation	NOUN
ejif-3301	305	3	analysis	analysis	NOUN
ejif-3301	305	4	table	table	NOUN
ejif-3301	305	5	6	6	NUM
ejif-3301	305	6	:	:	PUNCT
ejif-3301	305	7	correlations	correlation	NOUN
ejif-3301	305	8	(	(	PUNCT
ejif-3301	305	9	murabaha	murabaha	NOUN
ejif-3301	305	10	financing	financing	NOUN
ejif-3301	305	11	)	)	PUNCT
ejif-3301	305	12	table	table	NOUN
ejif-3301	305	13	7	7	NUM
ejif-3301	305	14	:	:	PUNCT
ejif-3301	305	15	correlations	correlation	NOUN
ejif-3301	305	16	(	(	PUNCT
ejif-3301	305	17	istisna	istisna	NOUN
ejif-3301	305	18	financing	financing	NOUN
ejif-3301	305	19	)	)	PUNCT
ejif-3301	305	20	see	see	VERB
ejif-3301	305	21	in	in	ADP
ejif-3301	305	22	last	last	ADJ
ejif-3301	305	23	of	of	ADP
ejif-3301	305	24	article	article	NOUN
ejif-3301	305	25	the	the	DET
ejif-3301	305	26	above	above	ADP
ejif-3301	305	27	two	two	NUM
ejif-3301	305	28	tables	table	NOUN
ejif-3301	305	29	showed	show	VERB
ejif-3301	305	30	coefficient	coefficient	NOUN
ejif-3301	305	31	of	of	ADP
ejif-3301	305	32	correlation	correlation	NOUN
ejif-3301	305	33	among	among	ADP
ejif-3301	305	34	the	the	DET
ejif-3301	305	35	variables	variable	NOUN
ejif-3301	305	36	of	of	ADP
ejif-3301	305	37	istisna	istisna	NOUN
ejif-3301	305	38	and	and	CCONJ
ejif-3301	305	39	murabaha	murabaha	NOUN
ejif-3301	305	40	financing	financing	NOUN
ejif-3301	305	41	.	.	PUNCT
ejif-3301	306	1	it	it	PRON
ejif-3301	306	2	is	be	AUX
ejif-3301	306	3	evident	evident	ADJ
ejif-3301	306	4	that	that	SCONJ
ejif-3301	306	5	a	a	DET
ejif-3301	306	6	moderate	moderate	ADJ
ejif-3301	306	7	correlation	correlation	NOUN
ejif-3301	306	8	exists	exist	VERB
ejif-3301	306	9	between	between	ADP
ejif-3301	306	10	disbursed	disburse	VERB
ejif-3301	306	11	amount	amount	NOUN
ejif-3301	306	12	and	and	CCONJ
ejif-3301	306	13	the	the	DET
ejif-3301	306	14	profit	profit	NOUN
ejif-3301	306	15	rate	rate	NOUN
ejif-3301	306	16	.	.	PUNCT
ejif-3301	307	1	spread	spread	NOUN
ejif-3301	307	2	is	be	AUX
ejif-3301	307	3	also	also	ADV
ejif-3301	307	4	highly	highly	ADV
ejif-3301	307	5	correlated	correlate	VERB
ejif-3301	307	6	with	with	ADP
ejif-3301	307	7	tenor	tenor	NOUN
ejif-3301	307	8	for	for	ADP
ejif-3301	307	9	istisna	istisna	NOUN
ejif-3301	307	10	financing	financing	NOUN
ejif-3301	307	11	.	.	PUNCT
ejif-3301	308	1	tenor	tenor	NOUN
ejif-3301	308	2	is	be	AUX
ejif-3301	308	3	also	also	ADV
ejif-3301	308	4	moderately	moderately	ADV
ejif-3301	308	5	linked	link	VERB
ejif-3301	308	6	with	with	ADP
ejif-3301	308	7	the	the	DET
ejif-3301	308	8	profit	profit	NOUN
ejif-3301	308	9	rate	rate	NOUN
ejif-3301	308	10	.	.	PUNCT
ejif-3301	309	1	this	this	DET
ejif-3301	309	2	kind	kind	NOUN
ejif-3301	309	3	of	of	ADP
ejif-3301	309	4	relationship	relationship	NOUN
ejif-3301	309	5	is	be	AUX
ejif-3301	309	6	not	not	PART
ejif-3301	309	7	evident	evident	ADJ
ejif-3301	309	8	in	in	ADP
ejif-3301	309	9	case	case	NOUN
ejif-3301	309	10	of	of	ADP
ejif-3301	309	11	murabaha	murabaha	NOUN
ejif-3301	309	12	financing	financing	NOUN
ejif-3301	309	13	.	.	PUNCT
ejif-3301	310	1	this	this	PRON
ejif-3301	310	2	showed	show	VERB
ejif-3301	310	3	that	that	SCONJ
ejif-3301	310	4	istisna	istisna	NOUN
ejif-3301	310	5	more	more	ADV
ejif-3301	310	6	closely	closely	ADV
ejif-3301	310	7	behaved	behave	VERB
ejif-3301	310	8	with	with	ADP
ejif-3301	310	9	debt	debt	NOUN
ejif-3301	310	10	security	security	NOUN
ejif-3301	310	11	then	then	ADV
ejif-3301	310	12	murabaha	murabaha	VERB
ejif-3301	310	13	.	.	PUNCT
ejif-3301	311	1	roa	roa	PROPN
ejif-3301	311	2	and	and	CCONJ
ejif-3301	311	3	profit	profit	NOUN
ejif-3301	311	4	margins	margin	NOUN
ejif-3301	311	5	seems	seem	VERB
ejif-3301	311	6	to	to	PART
ejif-3301	311	7	have	have	VERB
ejif-3301	311	8	high	high	ADJ
ejif-3301	311	9	correlation	correlation	NOUN
ejif-3301	311	10	as	as	SCONJ
ejif-3301	311	11	expected	expect	VERB
ejif-3301	311	12	,	,	PUNCT
ejif-3301	311	13	this	this	PRON
ejif-3301	311	14	suggested	suggest	VERB
ejif-3301	311	15	that	that	SCONJ
ejif-3301	311	16	main	main	ADJ
ejif-3301	311	17	driver	driver	NOUN
ejif-3301	311	18	for	for	ADP
ejif-3301	311	19	return	return	NOUN
ejif-3301	311	20	were	be	AUX
ejif-3301	311	21	demand	demand	NOUN
ejif-3301	311	22	led	lead	VERB
ejif-3301	311	23	growth	growth	NOUN
ejif-3301	311	24	rather	rather	ADV
ejif-3301	311	25	than	than	ADP
ejif-3301	311	26	supply	supply	NOUN
ejif-3301	311	27	led	lead	VERB
ejif-3301	311	28	efficiencies	efficiency	NOUN
ejif-3301	311	29	.	.	PUNCT
ejif-3301	312	1	4.5	4.5	NUM
ejif-3301	312	2	regression	regression	NOUN
ejif-3301	312	3	analysis	analysis	NOUN
ejif-3301	312	4	:	:	PUNCT
ejif-3301	312	5	we	we	PRON
ejif-3301	312	6	apply	apply	VERB
ejif-3301	312	7	multi	multi	ADJ
ejif-3301	312	8	-	-	ADJ
ejif-3301	312	9	regression	regression	NOUN
ejif-3301	312	10	analysis	analysis	NOUN
ejif-3301	312	11	to	to	PART
ejif-3301	312	12	analyse	analyse	VERB
ejif-3301	312	13	the	the	DET
ejif-3301	312	14	impact	impact	NOUN
ejif-3301	312	15	of	of	ADP
ejif-3301	312	16	disbursed	disburse	VERB
ejif-3301	312	17	amount	amount	NOUN
ejif-3301	312	18	,	,	PUNCT
ejif-3301	312	19	spread	spread	NOUN
ejif-3301	312	20	,	,	PUNCT
ejif-3301	312	21	profit	profit	NOUN
ejif-3301	312	22	rate	rate	NOUN
ejif-3301	312	23	,	,	PUNCT
ejif-3301	312	24	and	and	CCONJ
ejif-3301	312	25	tenor	tenor	NOUN
ejif-3301	312	26	.	.	PUNCT
ejif-3301	313	1	we	we	PRON
ejif-3301	313	2	made	make	VERB
ejif-3301	313	3	fourteen	fourteen	NUM
ejif-3301	313	4	models	model	NOUN
ejif-3301	313	5	,	,	PUNCT
ejif-3301	313	6	the	the	DET
ejif-3301	313	7	first	first	ADJ
ejif-3301	313	8	six	six	NUM
ejif-3301	313	9	models	model	NOUN
ejif-3301	313	10	were	be	AUX
ejif-3301	313	11	regressed	regress	VERB
ejif-3301	313	12	with	with	ADP
ejif-3301	313	13	the	the	DET
ejif-3301	313	14	total	total	ADJ
ejif-3301	313	15	asset	asset	NOUN
ejif-3301	313	16	,	,	PUNCT
ejif-3301	313	17	total	total	ADJ
ejif-3301	313	18	liabilities	liability	NOUN
ejif-3301	313	19	,	,	PUNCT
ejif-3301	313	20	sale	sale	NOUN
ejif-3301	313	21	,	,	PUNCT
ejif-3301	313	22	and	and	CCONJ
ejif-3301	313	23	net	net	ADJ
ejif-3301	313	24	profit	profit	NOUN
ejif-3301	313	25	.	.	PUNCT
ejif-3301	314	1	in	in	ADP
ejif-3301	314	2	this	this	DET
ejif-3301	314	3	analysis	analysis	NOUN
ejif-3301	314	4	,	,	PUNCT
ejif-3301	314	5	we	we	PRON
ejif-3301	314	6	consider	consider	VERB
ejif-3301	314	7	total	total	ADJ
ejif-3301	314	8	asset	asset	NOUN
ejif-3301	314	9	,	,	PUNCT
ejif-3301	314	10	total	total	ADJ
ejif-3301	314	11	liabilities	liability	NOUN
ejif-3301	314	12	,	,	PUNCT
ejif-3301	314	13	sale	sale	NOUN
ejif-3301	314	14	,	,	PUNCT
ejif-3301	314	15	net	net	ADJ
ejif-3301	314	16	profit	profit	NOUN
ejif-3301	314	17	as	as	ADP
ejif-3301	314	18	independent	independent	ADJ
ejif-3301	314	19	variables	variable	NOUN
ejif-3301	314	20	and	and	CCONJ
ejif-3301	314	21	disbursed	disburse	VERB
ejif-3301	314	22	amount	amount	NOUN
ejif-3301	314	23	,	,	PUNCT
ejif-3301	314	24	spread	spread	NOUN
ejif-3301	314	25	,	,	PUNCT
ejif-3301	314	26	profit	profit	NOUN
ejif-3301	314	27	rate	rate	NOUN
ejif-3301	314	28	as	as	ADP
ejif-3301	314	29	dependent	dependent	ADJ
ejif-3301	314	30	variable	variable	NOUN
ejif-3301	314	31	.	.	PUNCT
ejif-3301	315	1	we	we	PRON
ejif-3301	315	2	employ	employ	VERB
ejif-3301	315	3	the	the	DET
ejif-3301	315	4	following	follow	VERB
ejif-3301	315	5	regression	regression	NOUN
ejif-3301	315	6	equation	equation	NOUN
ejif-3301	315	7	y	y	NOUN
ejif-3301	315	8	’	'	PUNCT
ejif-3301	315	9	=	=	SYM
ejif-3301	315	10	α	α	PROPN
ejif-3301	315	11	+	+	X
ejif-3301	316	1	β1	β1	X
ejif-3301	316	2	ta	ta	ADP
ejif-3301	316	3	+	+	CCONJ
ejif-3301	316	4	β2tl	β2tl	PUNCT
ejif-3301	316	5	+	+	CCONJ
ejif-3301	316	6	β3sale	β3sale	ADJ
ejif-3301	316	7	+	+	CCONJ
ejif-3301	316	8	β4np	β4np	PUNCT
ejif-3301	316	9	the	the	DET
ejif-3301	316	10	rest	rest	NOUN
ejif-3301	316	11	of	of	ADP
ejif-3301	316	12	the	the	DET
ejif-3301	316	13	models	model	NOUN
ejif-3301	316	14	were	be	AUX
ejif-3301	316	15	regressed	regress	VERB
ejif-3301	316	16	in	in	ADP
ejif-3301	316	17	different	different	ADJ
ejif-3301	316	18	performance	performance	NOUN
ejif-3301	316	19	ratios	ratio	NOUN
ejif-3301	316	20	.	.	PUNCT
ejif-3301	317	1	these	these	PRON
ejif-3301	317	2	included	include	VERB
ejif-3301	317	3	profit	profit	NOUN
ejif-3301	317	4	margin	margin	NOUN
ejif-3301	317	5	(	(	PUNCT
ejif-3301	317	6	pm	pm	NOUN
ejif-3301	317	7	)	)	PUNCT
ejif-3301	317	8	,	,	PUNCT
ejif-3301	317	9	total	total	ADJ
ejif-3301	317	10	assets	asset	NOUN
ejif-3301	317	11	turnover	turnover	NOUN
ejif-3301	317	12	(	(	PUNCT
ejif-3301	317	13	tat	tat	NOUN
ejif-3301	317	14	)	)	PUNCT
ejif-3301	317	15	,	,	PUNCT
ejif-3301	317	16	earning	earn	VERB
ejif-3301	317	17	multiplier	multipli	ADJ
ejif-3301	317	18	(	(	PUNCT
ejif-3301	317	19	em	em	PRON
ejif-3301	317	20	)	)	PUNCT
ejif-3301	317	21	as	as	ADP
ejif-3301	317	22	a	a	DET
ejif-3301	317	23	proxy	proxy	NOUN
ejif-3301	317	24	of	of	ADP
ejif-3301	317	25	leverage	leverage	NOUN
ejif-3301	317	26	,	,	PUNCT
ejif-3301	317	27	fixed	fix	VERB
ejif-3301	317	28	assets	asset	NOUN
ejif-3301	317	29	turnover	turnover	NOUN
ejif-3301	317	30	(	(	PUNCT
ejif-3301	317	31	fat	fat	NOUN
ejif-3301	317	32	)	)	PUNCT
ejif-3301	317	33	to	to	PART
ejif-3301	317	34	assess	assess	VERB
ejif-3301	317	35	the	the	DET
ejif-3301	317	36	quality	quality	NOUN
ejif-3301	317	37	of	of	ADP
ejif-3301	317	38	fixed	fix	VERB
ejif-3301	317	39	assets	asset	NOUN
ejif-3301	317	40	,	,	PUNCT
ejif-3301	317	41	return	return	VERB
ejif-3301	317	42	on	on	ADP
ejif-3301	317	43	assets	asset	NOUN
ejif-3301	317	44	(	(	PUNCT
ejif-3301	317	45	roa	roa	NOUN
ejif-3301	317	46	)	)	PUNCT
ejif-3301	317	47	,	,	PUNCT
ejif-3301	317	48	and	and	CCONJ
ejif-3301	317	49	interest	interest	NOUN
ejif-3301	317	50	coverage	coverage	NOUN
ejif-3301	317	51	ratio	ratio	NOUN
ejif-3301	317	52	(	(	PUNCT
ejif-3301	317	53	icr	icr	PROPN
ejif-3301	317	54	)	)	PUNCT
ejif-3301	317	55	we	we	PRON
ejif-3301	317	56	employ	employ	VERB
ejif-3301	317	57	this	this	PRON
ejif-3301	317	58	in	in	ADP
ejif-3301	317	59	the	the	DET
ejif-3301	317	60	following	follow	VERB
ejif-3301	317	61	regression	regression	NOUN
ejif-3301	317	62	equation	equation	NOUN
ejif-3301	317	63	y	y	NOUN
ejif-3301	317	64	’	'	PUNCT
ejif-3301	317	65	=	=	SYM
ejif-3301	317	66	α	α	PROPN
ejif-3301	318	1	+	+	X
ejif-3301	318	2	β1pm+	β1pm+	X
ejif-3301	318	3	β2tat	β2tat	PUNCT
ejif-3301	319	1	+	+	CCONJ
ejif-3301	319	2	β3	β3	VERB
ejif-3301	319	3	em	em	PRON
ejif-3301	319	4	+	+	CCONJ
ejif-3301	319	5	β4	β4	ADJ
ejif-3301	319	6	fat	fat	NOUN
ejif-3301	319	7	+	+	CCONJ
ejif-3301	319	8	β5	β5	ADJ
ejif-3301	319	9	roa	roa	NOUN
ejif-3301	319	10	+	+	CCONJ
ejif-3301	319	11	β6	β6	PROPN
ejif-3301	319	12	icr	icr	PROPN
ejif-3301	319	13	table	table	NOUN
ejif-3301	319	14	8	8	NUM
ejif-3301	319	15	:	:	PUNCT
ejif-3301	319	16	regression	regression	NOUN
ejif-3301	319	17	equation	equation	NOUN
ejif-3301	319	18	result	result	NOUN
ejif-3301	319	19	see	see	VERB
ejif-3301	319	20	in	in	ADP
ejif-3301	319	21	last	last	ADJ
ejif-3301	319	22	of	of	ADP
ejif-3301	319	23	article	article	NOUN
ejif-3301	319	24	in	in	ADP
ejif-3301	319	25	model	model	NOUN
ejif-3301	319	26	1	1	NUM
ejif-3301	319	27	,	,	PUNCT
ejif-3301	319	28	disbursed	disburse	VERB
ejif-3301	319	29	amount	amount	NOUN
ejif-3301	319	30	is	be	AUX
ejif-3301	319	31	significantly	significantly	ADV
ejif-3301	319	32	affected	affect	VERB
ejif-3301	319	33	by	by	ADP
ejif-3301	319	34	total	total	ADJ
ejif-3301	319	35	assets	asset	NOUN
ejif-3301	319	36	,	,	PUNCT
ejif-3301	319	37	where	where	SCONJ
ejif-3301	319	38	in	in	ADP
ejif-3301	319	39	model	model	NOUN
ejif-3301	319	40	2	2	NUM
ejif-3301	319	41	(	(	PUNCT
ejif-3301	319	42	istisna	istisna	NOUN
ejif-3301	319	43	)	)	PUNCT
ejif-3301	319	44	it	it	PRON
ejif-3301	319	45	remained	remain	VERB
ejif-3301	319	46	insignificant	insignificant	ADJ
ejif-3301	319	47	.	.	PUNCT
ejif-3301	320	1	this	this	PRON
ejif-3301	320	2	showed	show	VERB
ejif-3301	320	3	that	that	SCONJ
ejif-3301	320	4	in	in	ADP
ejif-3301	320	5	murabaha	murabaha	NOUN
ejif-3301	320	6	financing	financing	NOUN
ejif-3301	320	7	,	,	PUNCT
ejif-3301	320	8	more	more	ADJ
ejif-3301	320	9	assets	asset	NOUN
ejif-3301	320	10	leads	lead	VERB
ejif-3301	320	11	to	to	ADP
ejif-3301	320	12	more	more	ADJ
ejif-3301	320	13	loans	loan	NOUN
ejif-3301	320	14	as	as	SCONJ
ejif-3301	320	15	expected	expect	VERB
ejif-3301	320	16	,	,	PUNCT
ejif-3301	320	17	but	but	CCONJ
ejif-3301	320	18	not	not	PART
ejif-3301	320	19	for	for	ADP
ejif-3301	320	20	istisna	istisna	NOUN
ejif-3301	320	21	.	.	PUNCT
ejif-3301	321	1	this	this	PRON
ejif-3301	321	2	could	could	AUX
ejif-3301	321	3	be	be	AUX
ejif-3301	321	4	because	because	SCONJ
ejif-3301	321	5	the	the	DET
ejif-3301	321	6	istisna	istisna	NOUN
ejif-3301	321	7	have	have	VERB
ejif-3301	321	8	no	no	DET
ejif-3301	321	9	direct	direct	ADJ
ejif-3301	321	10	effect	effect	NOUN
ejif-3301	321	11	on	on	ADP
ejif-3301	321	12	customer	customer	NOUN
ejif-3301	321	13	assets	asset	NOUN
ejif-3301	321	14	as	as	ADP
ejif-3301	321	15	in	in	ADP
ejif-3301	321	16	istisna	istisna	NOUN
ejif-3301	321	17	customer	customer	NOUN
ejif-3301	321	18	produce	produce	VERB
ejif-3301	321	19	the	the	DET
ejif-3301	321	20	goods	good	NOUN
ejif-3301	321	21	and	and	CCONJ
ejif-3301	321	22	sell	sell	VERB
ejif-3301	321	23	to	to	ADP
ejif-3301	321	24	the	the	DET
ejif-3301	321	25	customer	customer	NOUN
ejif-3301	321	26	/	/	SYM
ejif-3301	321	27	ultimate	ultimate	ADJ
ejif-3301	321	28	buyer	buyer	NOUN
ejif-3301	321	29	.	.	PUNCT
ejif-3301	322	1	similarly	similarly	ADV
ejif-3301	322	2	,	,	PUNCT
ejif-3301	322	3	total	total	ADJ
ejif-3301	322	4	liabilities	liability	NOUN
ejif-3301	322	5	have	have	VERB
ejif-3301	322	6	a	a	DET
ejif-3301	322	7	more	more	ADV
ejif-3301	322	8	significant	significant	ADJ
ejif-3301	322	9	effect	effect	NOUN
ejif-3301	322	10	on	on	ADP
ejif-3301	322	11	disbursed	disburse	VERB
ejif-3301	322	12	amount	amount	NOUN
ejif-3301	322	13	in	in	ADP
ejif-3301	322	14	case	case	NOUN
ejif-3301	322	15	of	of	ADP
ejif-3301	322	16	istisna	istisna	NOUN
ejif-3301	322	17	.	.	PUNCT
ejif-3301	323	1	this	this	PRON
ejif-3301	323	2	means	mean	VERB
ejif-3301	323	3	more	more	ADJ
ejif-3301	323	4	borrowing	borrowing	NOUN
ejif-3301	323	5	in	in	ADP
ejif-3301	323	6	case	case	NOUN
ejif-3301	323	7	of	of	ADP
ejif-3301	323	8	more	more	ADJ
ejif-3301	323	9	liability	liability	NOUN
ejif-3301	323	10	.	.	PUNCT
ejif-3301	324	1	it	it	PRON
ejif-3301	324	2	could	could	AUX
ejif-3301	324	3	be	be	AUX
ejif-3301	324	4	a	a	DET
ejif-3301	324	5	sign	sign	NOUN
ejif-3301	324	6	that	that	SCONJ
ejif-3301	324	7	company	company	NOUN
ejif-3301	324	8	is	be	AUX
ejif-3301	324	9	utilizing	utilize	VERB
ejif-3301	324	10	additional	additional	ADJ
ejif-3301	324	11	borrowing	borrowing	NOUN
ejif-3301	324	12	so	so	SCONJ
ejif-3301	324	13	where	where	SCONJ
ejif-3301	324	14	else	else	ADV
ejif-3301	324	15	.	.	PUNCT
ejif-3301	325	1	however	however	ADV
ejif-3301	325	2	,	,	PUNCT
ejif-3301	325	3	it	it	PRON
ejif-3301	325	4	is	be	AUX
ejif-3301	325	5	not	not	PART
ejif-3301	325	6	the	the	DET
ejif-3301	325	7	case	case	NOUN
ejif-3301	325	8	in	in	ADP
ejif-3301	325	9	murabaha	murabaha	NOUN
ejif-3301	325	10	due	due	ADJ
ejif-3301	325	11	injection	injection	NOUN
ejif-3301	325	12	of	of	ADP
ejif-3301	325	13	payment	payment	NOUN
ejif-3301	325	14	in	in	ADP
ejif-3301	325	15	real	real	ADJ
ejif-3301	325	16	asset	asset	NOUN
ejif-3301	325	17	as	as	SCONJ
ejif-3301	325	18	bank	bank	NOUN
ejif-3301	325	19	try	try	VERB
ejif-3301	325	20	to	to	PART
ejif-3301	325	21	utilizes	utilize	VERB
ejif-3301	325	22	the	the	DET
ejif-3301	325	23	amount	amount	NOUN
ejif-3301	325	24	in	in	ADP
ejif-3301	325	25	real	real	ADJ
ejif-3301	325	26	purchasing	purchasing	NOUN
ejif-3301	325	27	.	.	PUNCT
ejif-3301	326	1	total	total	ADJ
ejif-3301	326	2	assets	asset	NOUN
ejif-3301	326	3	have	have	VERB
ejif-3301	326	4	more	more	ADV
ejif-3301	326	5	pronounced	pronounced	ADJ
ejif-3301	326	6	effect	effect	NOUN
ejif-3301	326	7	in	in	ADP
ejif-3301	326	8	spreads	spread	NOUN
ejif-3301	326	9	in	in	ADP
ejif-3301	326	10	model	model	NOUN
ejif-3301	326	11	3	3	NUM
ejif-3301	326	12	(	(	PUNCT
ejif-3301	326	13	murabaha	murabaha	NOUN
ejif-3301	326	14	)	)	PUNCT
ejif-3301	326	15	.	.	PUNCT
ejif-3301	327	1	more	more	ADJ
ejif-3301	327	2	asset	asset	NOUN
ejif-3301	327	3	leads	lead	VERB
ejif-3301	327	4	to	to	ADP
ejif-3301	327	5	lesser	less	ADJ
ejif-3301	327	6	spread	spread	NOUN
ejif-3301	327	7	as	as	SCONJ
ejif-3301	327	8	accepted	accept	VERB
ejif-3301	327	9	for	for	ADP
ejif-3301	327	10	murabaha	murabaha	NOUN
ejif-3301	327	11	,	,	PUNCT
ejif-3301	327	12	but	but	CCONJ
ejif-3301	327	13	for	for	ADP
ejif-3301	327	14	istisna	istisna	NOUN
ejif-3301	327	15	,	,	PUNCT
ejif-3301	327	16	the	the	DET
ejif-3301	327	17	relationship	relationship	NOUN
ejif-3301	327	18	is	be	AUX
ejif-3301	327	19	inversed	inverse	VERB
ejif-3301	327	20	.	.	PUNCT
ejif-3301	328	1	this	this	PRON
ejif-3301	328	2	means	mean	VERB
ejif-3301	328	3	that	that	SCONJ
ejif-3301	328	4	assets	asset	NOUN
ejif-3301	328	5	quality	quality	NOUN
ejif-3301	328	6	was	be	AUX
ejif-3301	328	7	not	not	PART
ejif-3301	328	8	captured	capture	VERB
ejif-3301	328	9	in	in	ADP
ejif-3301	328	10	istisna	istisna	NOUN
ejif-3301	328	11	leading	lead	VERB
ejif-3301	328	12	moral	moral	ADJ
ejif-3301	328	13	hazards	hazard	NOUN
ejif-3301	328	14	.	.	PUNCT
ejif-3301	329	1	spread	spread	NOUN
ejif-3301	329	2	was	be	AUX
ejif-3301	329	3	also	also	ADV
ejif-3301	329	4	seemed	seem	VERB
ejif-3301	329	5	to	to	PART
ejif-3301	329	6	be	be	AUX
ejif-3301	329	7	influenced	influence	VERB
ejif-3301	329	8	by	by	ADP
ejif-3301	329	9	total	total	ADJ
ejif-3301	329	10	liabilities	liability	NOUN
ejif-3301	329	11	in	in	ADP
ejif-3301	329	12	istisna	istisna	NOUN
ejif-3301	329	13	financing	financing	NOUN
ejif-3301	329	14	(	(	PUNCT
ejif-3301	329	15	model	model	NOUN
ejif-3301	329	16	4	4	NUM
ejif-3301	329	17	)	)	PUNCT
ejif-3301	329	18	.	.	PUNCT
ejif-3301	330	1	this	this	PRON
ejif-3301	330	2	clearly	clearly	ADV
ejif-3301	330	3	showed	show	VERB
ejif-3301	330	4	,	,	PUNCT
ejif-3301	330	5	more	more	ADJ
ejif-3301	330	6	liability	liability	NOUN
ejif-3301	330	7	,	,	PUNCT
ejif-3301	330	8	leads	lead	VERB
ejif-3301	330	9	to	to	ADP
ejif-3301	330	10	more	more	ADJ
ejif-3301	330	11	spread	spread	VERB
ejif-3301	330	12	for	for	ADP
ejif-3301	330	13	murabaha	murabaha	NOUN
ejif-3301	330	14	,	,	PUNCT
ejif-3301	330	15	but	but	CCONJ
ejif-3301	330	16	not	not	PART
ejif-3301	330	17	for	for	ADP
ejif-3301	330	18	istisna	istisna	NOUN
ejif-3301	330	19	this	this	DET
ejif-3301	330	20	mean	mean	ADJ
ejif-3301	330	21	information	information	NOUN
ejif-3301	330	22	is	be	AUX
ejif-3301	330	23	not	not	PART
ejif-3301	330	24	properly	properly	ADV
ejif-3301	330	25	absorbed	absorb	VERB
ejif-3301	330	26	in	in	ADP
ejif-3301	330	27	spreads	spread	NOUN
ejif-3301	330	28	for	for	ADP
ejif-3301	330	29	the	the	DET
ejif-3301	330	30	case	case	NOUN
ejif-3301	330	31	of	of	ADP
ejif-3301	330	32	istisna	istisna	NOUN
ejif-3301	330	33	.	.	PUNCT
ejif-3301	331	1	similar	similar	ADJ
ejif-3301	331	2	to	to	ADP
ejif-3301	331	3	spreads	spread	NOUN
ejif-3301	331	4	and	and	CCONJ
ejif-3301	331	5	total	total	ADJ
ejif-3301	331	6	assets	asset	NOUN
ejif-3301	331	7	,	,	PUNCT
ejif-3301	331	8	the	the	DET
ejif-3301	331	9	profit	profit	NOUN
ejif-3301	331	10	rate	rate	NOUN
ejif-3301	331	11	were	be	AUX
ejif-3301	331	12	also	also	ADV
ejif-3301	331	13	significantly	significantly	ADV
ejif-3301	331	14	influenced	influence	VERB
ejif-3301	331	15	in	in	ADP
ejif-3301	331	16	assets	asset	NOUN
ejif-3301	331	17	in	in	ADP
ejif-3301	331	18	case	case	NOUN
ejif-3301	331	19	of	of	ADP
ejif-3301	331	20	murabaha	murabaha	NOUN
ejif-3301	331	21	,	,	PUNCT
ejif-3301	331	22	this	this	PRON
ejif-3301	331	23	indicated	indicate	VERB
ejif-3301	331	24	increase	increase	NOUN
ejif-3301	331	25	in	in	ADP
ejif-3301	331	26	assets	asset	NOUN
ejif-3301	331	27	followed	follow	VERB
ejif-3301	331	28	by	by	ADP
ejif-3301	331	29	more	more	ADJ
ejif-3301	331	30	risky	risky	ADJ
ejif-3301	331	31	financing	financing	NOUN
ejif-3301	331	32	.	.	PUNCT
ejif-3301	332	1	similarly	similarly	ADV
ejif-3301	332	2	,	,	PUNCT
ejif-3301	332	3	liabilities	liability	NOUN
ejif-3301	332	4	also	also	ADV
ejif-3301	332	5	have	have	VERB
ejif-3301	332	6	a	a	DET
ejif-3301	332	7	significant	significant	ADJ
ejif-3301	332	8	effect	effect	NOUN
ejif-3301	332	9	in	in	ADP
ejif-3301	332	10	profit	profit	NOUN
ejif-3301	332	11	rate	rate	NOUN
ejif-3301	332	12	as	as	ADP
ejif-3301	332	13	in	in	ADP
ejif-3301	332	14	spread	spread	NOUN
ejif-3301	332	15	.	.	PUNCT
ejif-3301	333	1	means	mean	VERB
ejif-3301	333	2	risky	risky	ADJ
ejif-3301	333	3	investment	investment	NOUN
ejif-3301	333	4	were	be	AUX
ejif-3301	333	5	charged	charge	VERB
ejif-3301	333	6	more	more	ADV
ejif-3301	333	7	in	in	ADP
ejif-3301	333	8	case	case	NOUN
ejif-3301	333	9	on	on	ADP
ejif-3301	333	10	murabaha	murabaha	NOUN
ejif-3301	333	11	,	,	PUNCT
ejif-3301	333	12	lowering	lower	VERB
ejif-3301	333	13	the	the	DET
ejif-3301	333	14	problems	problem	NOUN
ejif-3301	333	15	in	in	ADP
ejif-3301	333	16	information	information	NOUN
ejif-3301	333	17	asymmetry	asymmetry	NOUN
ejif-3301	333	18	.	.	PUNCT
ejif-3301	334	1	the	the	DET
ejif-3301	334	2	factors	factor	NOUN
ejif-3301	334	3	in	in	ADP
ejif-3301	334	4	istisna	istisna	NOUN
ejif-3301	334	5	remained	remain	VERB
ejif-3301	334	6	insignificant	insignificant	ADJ
ejif-3301	334	7	.	.	PUNCT
ejif-3301	335	1	ejif	ejif	PROPN
ejif-3301	335	2	–	–	PUNCT
ejif-3301	335	3	european	european	PROPN
ejif-3301	335	4	journal	journal	PROPN
ejif-3301	335	5	of	of	ADP
ejif-3301	335	6	islamic	islamic	PROPN
ejif-3301	335	7	finance	finance	PROPN
ejif-3301	335	8	no	no	DET
ejif-3301	335	9	14	14	NUM
ejif-3301	335	10	,	,	PUNCT
ejif-3301	335	11	december	december	PROPN
ejif-3301	335	12	(	(	PUNCT
ejif-3301	335	13	2019	2019	NUM
ejif-3301	335	14	)	)	PUNCT
ejif-3301	336	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	336	2	issn	issn	VERB
ejif-3301	336	3	2421	2421	NUM
ejif-3301	336	4	-	-	SYM
ejif-3301	336	5	2172	2172	NUM
ejif-3301	336	6	12	12	NUM
ejif-3301	336	7	in	in	ADP
ejif-3301	336	8	model	model	NOUN
ejif-3301	336	9	7	7	NUM
ejif-3301	336	10	(	(	PUNCT
ejif-3301	336	11	table	table	NOUN
ejif-3301	336	12	8)	8)	NUM
ejif-3301	336	13	,	,	PUNCT
ejif-3301	336	14	profit	profit	NOUN
ejif-3301	336	15	margin	margin	NOUN
ejif-3301	336	16	had	have	VERB
ejif-3301	336	17	a	a	DET
ejif-3301	336	18	strong	strong	ADJ
ejif-3301	336	19	and	and	CCONJ
ejif-3301	336	20	significant	significant	ADJ
ejif-3301	336	21	impact	impact	NOUN
ejif-3301	336	22	on	on	ADP
ejif-3301	336	23	disbursed	disburse	VERB
ejif-3301	336	24	amount	amount	NOUN
ejif-3301	336	25	for	for	ADP
ejif-3301	336	26	murabaha	murabaha	NOUN
ejif-3301	336	27	financing	financing	NOUN
ejif-3301	336	28	as	as	SCONJ
ejif-3301	336	29	compared	compare	VERB
ejif-3301	336	30	to	to	ADP
ejif-3301	336	31	istisna	istisna	NOUN
ejif-3301	336	32	.	.	PUNCT
ejif-3301	337	1	this	this	PRON
ejif-3301	337	2	means	mean	VERB
ejif-3301	337	3	,	,	PUNCT
ejif-3301	337	4	in	in	ADP
ejif-3301	337	5	case	case	NOUN
ejif-3301	337	6	of	of	ADP
ejif-3301	337	7	murabaha	murabaha	NOUN
ejif-3301	337	8	,	,	PUNCT
ejif-3301	337	9	higher	high	ADJ
ejif-3301	337	10	profits	profit	NOUN
ejif-3301	337	11	are	be	AUX
ejif-3301	337	12	better	well	ADV
ejif-3301	337	13	captured	capture	VERB
ejif-3301	337	14	by	by	ADP
ejif-3301	337	15	banks	bank	NOUN
ejif-3301	337	16	,	,	PUNCT
ejif-3301	337	17	and	and	CCONJ
ejif-3301	337	18	disbursed	disburse	VERB
ejif-3301	337	19	amount	amount	NOUN
ejif-3301	337	20	are	be	AUX
ejif-3301	337	21	better	well	ADV
ejif-3301	337	22	utilized	utilize	VERB
ejif-3301	337	23	.	.	PUNCT
ejif-3301	338	1	the	the	DET
ejif-3301	338	2	reason	reason	NOUN
ejif-3301	338	3	is	be	AUX
ejif-3301	338	4	that	that	SCONJ
ejif-3301	338	5	,	,	PUNCT
ejif-3301	338	6	in	in	ADP
ejif-3301	338	7	islamic	islamic	ADJ
ejif-3301	338	8	financial	financial	ADJ
ejif-3301	338	9	contracts	contract	NOUN
ejif-3301	338	10	,	,	PUNCT
ejif-3301	338	11	banks	bank	NOUN
ejif-3301	338	12	focus	focus	VERB
ejif-3301	338	13	on	on	ADP
ejif-3301	338	14	sale	sale	NOUN
ejif-3301	338	15	contract	contract	NOUN
ejif-3301	338	16	for	for	ADP
ejif-3301	338	17	customer	customer	NOUN
ejif-3301	338	18	financing	financing	NOUN
ejif-3301	338	19	.	.	PUNCT
ejif-3301	339	1	whereas	whereas	ADV
ejif-3301	339	2	,	,	PUNCT
ejif-3301	339	3	disbursed	disburse	VERB
ejif-3301	339	4	amount	amount	NOUN
ejif-3301	339	5	were	be	AUX
ejif-3301	339	6	not	not	PART
ejif-3301	339	7	seemed	seem	VERB
ejif-3301	339	8	to	to	PART
ejif-3301	339	9	be	be	AUX
ejif-3301	339	10	effected	effect	VERB
ejif-3301	339	11	from	from	ADP
ejif-3301	339	12	quality	quality	NOUN
ejif-3301	339	13	of	of	ADP
ejif-3301	339	14	fixed	fix	VERB
ejif-3301	339	15	assets	asset	NOUN
ejif-3301	339	16	for	for	ADP
ejif-3301	339	17	both	both	DET
ejif-3301	339	18	model	model	NOUN
ejif-3301	339	19	7	7	NUM
ejif-3301	339	20	and	and	CCONJ
ejif-3301	339	21	8	8	NUM
ejif-3301	339	22	.	.	PUNCT
ejif-3301	339	23	disbursed	disburse	VERB
ejif-3301	339	24	amount	amount	NOUN
ejif-3301	339	25	was	be	AUX
ejif-3301	339	26	also	also	ADV
ejif-3301	339	27	affected	affect	VERB
ejif-3301	339	28	by	by	ADP
ejif-3301	339	29	financial	financial	ADJ
ejif-3301	339	30	leverage	leverage	NOUN
ejif-3301	339	31	for	for	ADP
ejif-3301	339	32	model	model	NOUN
ejif-3301	339	33	7	7	NUM
ejif-3301	339	34	(	(	PUNCT
ejif-3301	339	35	murabaha	murabaha	NOUN
ejif-3301	339	36	)	)	PUNCT
ejif-3301	339	37	.	.	PUNCT
ejif-3301	340	1	this	this	PRON
ejif-3301	340	2	showed	show	VERB
ejif-3301	340	3	higher	high	ADJ
ejif-3301	340	4	disbursement	disbursement	NOUN
ejif-3301	340	5	,	,	PUNCT
ejif-3301	340	6	leads	lead	VERB
ejif-3301	340	7	to	to	PART
ejif-3301	340	8	increase	increase	VERB
ejif-3301	340	9	leverage	leverage	NOUN
ejif-3301	340	10	effect	effect	NOUN
ejif-3301	340	11	,	,	PUNCT
ejif-3301	340	12	this	this	PRON
ejif-3301	340	13	would	would	AUX
ejif-3301	340	14	ultimately	ultimately	ADV
ejif-3301	340	15	be	be	AUX
ejif-3301	340	16	increasing	increase	VERB
ejif-3301	340	17	riskiness	riskiness	NOUN
ejif-3301	340	18	of	of	ADP
ejif-3301	340	19	roe	roe	NOUN
ejif-3301	340	20	,	,	PUNCT
ejif-3301	340	21	whereas	whereas	SCONJ
ejif-3301	340	22	that	that	DET
ejif-3301	340	23	relationship	relationship	NOUN
ejif-3301	340	24	is	be	AUX
ejif-3301	340	25	not	not	PART
ejif-3301	340	26	significant	significant	ADJ
ejif-3301	340	27	in	in	ADP
ejif-3301	340	28	istisna	istisna	NOUN
ejif-3301	340	29	.	.	PUNCT
ejif-3301	341	1	similarly	similarly	ADV
ejif-3301	341	2	,	,	PUNCT
ejif-3301	341	3	in	in	ADP
ejif-3301	341	4	model	model	NOUN
ejif-3301	341	5	7	7	NUM
ejif-3301	341	6	and	and	CCONJ
ejif-3301	341	7	8	8	NUM
ejif-3301	341	8	,	,	PUNCT
ejif-3301	341	9	quality	quality	NOUN
ejif-3301	341	10	of	of	ADP
ejif-3301	341	11	fixed	fix	VERB
ejif-3301	341	12	assets	asset	NOUN
ejif-3301	341	13	did	do	AUX
ejif-3301	341	14	n’t	not	PART
ejif-3301	341	15	seem	seem	VERB
ejif-3301	341	16	to	to	PART
ejif-3301	341	17	effect	effect	VERB
ejif-3301	341	18	the	the	DET
ejif-3301	341	19	disbursed	disburse	VERB
ejif-3301	341	20	amount	amount	NOUN
ejif-3301	341	21	in	in	ADP
ejif-3301	341	22	both	both	CCONJ
ejif-3301	341	23	the	the	DET
ejif-3301	341	24	cases	case	NOUN
ejif-3301	341	25	.	.	PUNCT
ejif-3301	342	1	table	table	NOUN
ejif-3301	342	2	9	9	NUM
ejif-3301	342	3	:	:	PUNCT
ejif-3301	342	4	regression	regression	NOUN
ejif-3301	342	5	equation	equation	NOUN
ejif-3301	342	6	result	result	NOUN
ejif-3301	342	7	see	see	VERB
ejif-3301	342	8	in	in	ADP
ejif-3301	342	9	last	last	ADJ
ejif-3301	342	10	of	of	ADP
ejif-3301	342	11	the	the	DET
ejif-3301	342	12	article	article	NOUN
ejif-3301	342	13	the	the	DET
ejif-3301	342	14	effect	effect	NOUN
ejif-3301	342	15	of	of	ADP
ejif-3301	342	16	return	return	NOUN
ejif-3301	342	17	on	on	ADP
ejif-3301	342	18	asset	asset	NOUN
ejif-3301	342	19	(	(	PUNCT
ejif-3301	342	20	roa	roa	NOUN
ejif-3301	342	21	)	)	PUNCT
ejif-3301	342	22	on	on	ADP
ejif-3301	342	23	dispersed	disperse	VERB
ejif-3301	342	24	amount	amount	NOUN
ejif-3301	342	25	was	be	AUX
ejif-3301	342	26	highly	highly	ADV
ejif-3301	342	27	significant	significant	ADJ
ejif-3301	342	28	for	for	ADP
ejif-3301	342	29	murabaha	murabaha	NOUN
ejif-3301	342	30	,	,	PUNCT
ejif-3301	342	31	whereas	whereas	SCONJ
ejif-3301	342	32	insignificant	insignificant	ADJ
ejif-3301	342	33	for	for	ADP
ejif-3301	342	34	istisna	istisna	NOUN
ejif-3301	342	35	.	.	PUNCT
ejif-3301	343	1	this	this	PRON
ejif-3301	343	2	showed	show	VERB
ejif-3301	343	3	borrowing	borrowing	NOUN
ejif-3301	343	4	are	be	AUX
ejif-3301	343	5	affectively	affectively	ADV
ejif-3301	343	6	utilized	utilize	VERB
ejif-3301	343	7	in	in	ADP
ejif-3301	343	8	murabaha	murabaha	NOUN
ejif-3301	343	9	as	as	ADP
ejif-3301	343	10	compared	compare	VERB
ejif-3301	343	11	to	to	ADP
ejif-3301	343	12	istisna	istisna	NOUN
ejif-3301	343	13	,	,	PUNCT
ejif-3301	343	14	the	the	DET
ejif-3301	343	15	reason	reason	NOUN
ejif-3301	343	16	behind	behind	ADV
ejif-3301	343	17	is	be	AUX
ejif-3301	343	18	that	that	SCONJ
ejif-3301	343	19	in	in	ADP
ejif-3301	343	20	murabaha	murabaha	NOUN
ejif-3301	343	21	customer	customer	NOUN
ejif-3301	343	22	purchases	purchase	VERB
ejif-3301	343	23	the	the	DET
ejif-3301	343	24	goods	good	NOUN
ejif-3301	343	25	from	from	ADP
ejif-3301	343	26	bank	bank	NOUN
ejif-3301	343	27	at	at	ADP
ejif-3301	343	28	the	the	DET
ejif-3301	343	29	market	market	NOUN
ejif-3301	343	30	rate	rate	NOUN
ejif-3301	343	31	.	.	PUNCT
ejif-3301	344	1	that	that	DET
ejif-3301	344	2	variation	variation	NOUN
ejif-3301	344	3	in	in	ADP
ejif-3301	344	4	prices	price	NOUN
ejif-3301	344	5	produced	produce	VERB
ejif-3301	344	6	more	more	ADJ
ejif-3301	344	7	effect	effect	NOUN
ejif-3301	344	8	on	on	ADP
ejif-3301	344	9	return	return	NOUN
ejif-3301	344	10	on	on	ADP
ejif-3301	344	11	equity	equity	NOUN
ejif-3301	344	12	(	(	PUNCT
ejif-3301	344	13	roe	roe	PROPN
ejif-3301	344	14	)	)	PUNCT
ejif-3301	344	15	.	.	PUNCT
ejif-3301	345	1	however	however	ADV
ejif-3301	345	2	,	,	PUNCT
ejif-3301	345	3	customer	customer	NOUN
ejif-3301	345	4	can	can	AUX
ejif-3301	345	5	not	not	PART
ejif-3301	345	6	capitalized	capitalize	VERB
ejif-3301	345	7	on	on	ADP
ejif-3301	345	8	higher	high	ADJ
ejif-3301	345	9	market	market	NOUN
ejif-3301	345	10	rate	rate	NOUN
ejif-3301	345	11	as	as	ADP
ejif-3301	345	12	in	in	ADP
ejif-3301	345	13	istisna	istisna	NOUN
ejif-3301	345	14	,	,	PUNCT
ejif-3301	345	15	because	because	SCONJ
ejif-3301	345	16	customer	customer	NOUN
ejif-3301	345	17	sell	sell	VERB
ejif-3301	345	18	the	the	DET
ejif-3301	345	19	goods	good	NOUN
ejif-3301	345	20	to	to	ADP
ejif-3301	345	21	bank	bank	NOUN
ejif-3301	345	22	,	,	PUNCT
ejif-3301	345	23	and	and	CCONJ
ejif-3301	345	24	now	now	ADV
ejif-3301	345	25	bank	bank	NOUN
ejif-3301	345	26	can	can	AUX
ejif-3301	345	27	set	set	VERB
ejif-3301	345	28	the	the	DET
ejif-3301	345	29	price	price	NOUN
ejif-3301	345	30	that	that	PRON
ejif-3301	345	31	would	would	AUX
ejif-3301	345	32	not	not	PART
ejif-3301	345	33	necessarily	necessarily	ADV
ejif-3301	345	34	depicted	depict	VERB
ejif-3301	345	35	in	in	ADP
ejif-3301	345	36	market	market	NOUN
ejif-3301	345	37	.	.	PUNCT
ejif-3301	346	1	high	high	ADJ
ejif-3301	346	2	significance	significance	NOUN
ejif-3301	346	3	of	of	ADP
ejif-3301	346	4	interest	interest	NOUN
ejif-3301	346	5	coverage	coverage	NOUN
ejif-3301	346	6	ratio	ratio	NOUN
ejif-3301	346	7	on	on	ADP
ejif-3301	346	8	disbursed	disburse	VERB
ejif-3301	346	9	amount	amount	NOUN
ejif-3301	346	10	in	in	ADP
ejif-3301	346	11	model	model	NOUN
ejif-3301	346	12	7	7	NUM
ejif-3301	346	13	showed	show	VERB
ejif-3301	346	14	istisna	istisna	NOUN
ejif-3301	346	15	business	business	NOUN
ejif-3301	346	16	have	have	AUX
ejif-3301	346	17	more	more	ADV
ejif-3301	346	18	safely	safely	ADV
ejif-3301	346	19	covered	cover	VERB
ejif-3301	346	20	from	from	ADP
ejif-3301	346	21	default	default	NOUN
ejif-3301	346	22	risk	risk	NOUN
ejif-3301	346	23	.	.	PUNCT
ejif-3301	347	1	in	in	ADP
ejif-3301	347	2	model	model	NOUN
ejif-3301	347	3	9	9	NUM
ejif-3301	347	4	and	and	CCONJ
ejif-3301	347	5	10	10	NUM
ejif-3301	347	6	,	,	PUNCT
ejif-3301	347	7	different	different	ADJ
ejif-3301	347	8	performance	performance	NOUN
ejif-3301	347	9	variables	variable	NOUN
ejif-3301	347	10	were	be	AUX
ejif-3301	347	11	regressed	regress	VERB
ejif-3301	347	12	on	on	ADP
ejif-3301	347	13	default	default	NOUN
ejif-3301	347	14	spreads	spread	NOUN
ejif-3301	347	15	.	.	PUNCT
ejif-3301	348	1	profit	profit	NOUN
ejif-3301	348	2	margin	margin	NOUN
ejif-3301	348	3	have	have	VERB
ejif-3301	348	4	highly	highly	ADV
ejif-3301	348	5	significant	significant	ADJ
ejif-3301	348	6	effect	effect	NOUN
ejif-3301	348	7	on	on	ADP
ejif-3301	348	8	default	default	NOUN
ejif-3301	348	9	spread	spread	NOUN
ejif-3301	348	10	,	,	PUNCT
ejif-3301	348	11	for	for	ADP
ejif-3301	348	12	both	both	DET
ejif-3301	348	13	cases	case	NOUN
ejif-3301	348	14	,	,	PUNCT
ejif-3301	348	15	this	this	PRON
ejif-3301	348	16	showed	show	VERB
ejif-3301	348	17	risky	risky	ADJ
ejif-3301	348	18	projects	project	NOUN
ejif-3301	348	19	were	be	AUX
ejif-3301	348	20	effectively	effectively	ADV
ejif-3301	348	21	captured	capture	VERB
ejif-3301	348	22	by	by	ADP
ejif-3301	348	23	the	the	DET
ejif-3301	348	24	bank	bank	NOUN
ejif-3301	348	25	in	in	ADP
ejif-3301	348	26	higher	high	ADJ
ejif-3301	348	27	spreads	spread	NOUN
ejif-3301	348	28	.	.	PUNCT
ejif-3301	349	1	similarly	similarly	ADV
ejif-3301	349	2	,	,	PUNCT
ejif-3301	349	3	financial	financial	ADJ
ejif-3301	349	4	risk	risk	NOUN
ejif-3301	349	5	due	due	ADP
ejif-3301	349	6	to	to	ADP
ejif-3301	349	7	leverage	leverage	NOUN
ejif-3301	349	8	was	be	AUX
ejif-3301	349	9	also	also	ADV
ejif-3301	349	10	captured	capture	VERB
ejif-3301	349	11	adequately	adequately	ADV
ejif-3301	349	12	in	in	ADP
ejif-3301	349	13	default	default	NOUN
ejif-3301	349	14	spreads	spread	NOUN
ejif-3301	349	15	in	in	ADP
ejif-3301	349	16	case	case	NOUN
ejif-3301	349	17	of	of	ADP
ejif-3301	349	18	murabaha	murabaha	NOUN
ejif-3301	349	19	.	.	PUNCT
ejif-3301	350	1	higher	high	ADJ
ejif-3301	350	2	spread	spread	NOUN
ejif-3301	350	3	also	also	ADV
ejif-3301	350	4	leads	lead	VERB
ejif-3301	350	5	to	to	ADP
ejif-3301	350	6	lower	low	ADJ
ejif-3301	350	7	total	total	ADJ
ejif-3301	350	8	assets	asset	NOUN
ejif-3301	350	9	turnover	turnover	NOUN
ejif-3301	350	10	in	in	ADP
ejif-3301	350	11	model	model	NOUN
ejif-3301	350	12	9	9	NUM
ejif-3301	350	13	,	,	PUNCT
ejif-3301	350	14	according	accord	VERB
ejif-3301	350	15	to	to	ADP
ejif-3301	350	16	expectations	expectation	NOUN
ejif-3301	350	17	,	,	PUNCT
ejif-3301	350	18	whereas	whereas	SCONJ
ejif-3301	350	19	the	the	DET
ejif-3301	350	20	relationship	relationship	NOUN
ejif-3301	350	21	is	be	AUX
ejif-3301	350	22	inverse	inverse	ADJ
ejif-3301	350	23	and	and	CCONJ
ejif-3301	350	24	significant	significant	ADJ
ejif-3301	350	25	to	to	ADP
ejif-3301	350	26	istisna	istisna	NOUN
ejif-3301	350	27	(	(	PUNCT
ejif-3301	350	28	model	model	NOUN
ejif-3301	350	29	10	10	NUM
ejif-3301	350	30	)	)	PUNCT
ejif-3301	350	31	.	.	PUNCT
ejif-3301	351	1	this	this	PRON
ejif-3301	351	2	could	could	AUX
ejif-3301	351	3	mean	mean	VERB
ejif-3301	351	4	,	,	PUNCT
ejif-3301	351	5	in	in	ADP
ejif-3301	351	6	istisna	istisna	NOUN
ejif-3301	351	7	,	,	PUNCT
ejif-3301	351	8	fund	fund	NOUN
ejif-3301	351	9	were	be	AUX
ejif-3301	351	10	invested	invest	VERB
ejif-3301	351	11	in	in	ADP
ejif-3301	351	12	those	those	DET
ejif-3301	351	13	areas	area	NOUN
ejif-3301	351	14	where	where	SCONJ
ejif-3301	351	15	risk	risk	NOUN
ejif-3301	351	16	was	be	AUX
ejif-3301	351	17	not	not	PART
ejif-3301	351	18	captured	capture	VERB
ejif-3301	351	19	by	by	ADP
ejif-3301	351	20	the	the	DET
ejif-3301	351	21	bank	bank	NOUN
ejif-3301	351	22	,	,	PUNCT
ejif-3301	351	23	evidence	evidence	NOUN
ejif-3301	351	24	of	of	ADP
ejif-3301	351	25	asymmetric	asymmetric	ADJ
ejif-3301	351	26	information	information	NOUN
ejif-3301	351	27	.	.	PUNCT
ejif-3301	352	1	similarly	similarly	ADV
ejif-3301	352	2	,	,	PUNCT
ejif-3301	352	3	spreads	spread	NOUN
ejif-3301	352	4	are	be	AUX
ejif-3301	352	5	also	also	ADV
ejif-3301	352	6	being	be	AUX
ejif-3301	352	7	influenced	influence	VERB
ejif-3301	352	8	by	by	ADP
ejif-3301	352	9	financial	financial	ADJ
ejif-3301	352	10	leverage	leverage	NOUN
ejif-3301	352	11	(	(	PUNCT
ejif-3301	352	12	em	em	PRON
ejif-3301	352	13	)	)	PUNCT
ejif-3301	352	14	for	for	ADP
ejif-3301	352	15	istisna	istisna	NOUN
ejif-3301	352	16	but	but	CCONJ
ejif-3301	352	17	the	the	DET
ejif-3301	352	18	effect	effect	NOUN
ejif-3301	352	19	remained	remain	VERB
ejif-3301	352	20	insignificant	insignificant	ADJ
ejif-3301	352	21	at	at	ADP
ejif-3301	352	22	5	5	NUM
ejif-3301	352	23	%	%	NOUN
ejif-3301	352	24	,	,	PUNCT
ejif-3301	352	25	showing	show	VERB
ejif-3301	352	26	information	information	NOUN
ejif-3301	352	27	asymmetries	asymmetry	NOUN
ejif-3301	352	28	not	not	PART
ejif-3301	352	29	fully	fully	ADV
ejif-3301	352	30	captured	capture	VERB
ejif-3301	352	31	by	by	ADP
ejif-3301	352	32	the	the	DET
ejif-3301	352	33	bank	bank	NOUN
ejif-3301	352	34	in	in	ADP
ejif-3301	352	35	model	model	NOUN
ejif-3301	352	36	9	9	NUM
ejif-3301	352	37	(	(	PUNCT
ejif-3301	352	38	murabah	murabah	NOUN
ejif-3301	352	39	)	)	PUNCT
ejif-3301	352	40	,	,	PUNCT
ejif-3301	352	41	fixed	fix	VERB
ejif-3301	352	42	asset	asset	NOUN
ejif-3301	352	43	turnover	turnover	NOUN
ejif-3301	352	44	,	,	PUNCT
ejif-3301	352	45	had	have	VERB
ejif-3301	352	46	a	a	DET
ejif-3301	352	47	strong	strong	ADJ
ejif-3301	352	48	and	and	CCONJ
ejif-3301	352	49	significant	significant	ADJ
ejif-3301	352	50	effect	effect	NOUN
ejif-3301	352	51	on	on	ADP
ejif-3301	352	52	default	default	NOUN
ejif-3301	352	53	spreads	spread	NOUN
ejif-3301	352	54	.	.	PUNCT
ejif-3301	353	1	this	this	PRON
ejif-3301	353	2	indicated	indicate	VERB
ejif-3301	353	3	that	that	SCONJ
ejif-3301	353	4	better	well	ADJ
ejif-3301	353	5	fixed	fix	VERB
ejif-3301	353	6	assets	asset	NOUN
ejif-3301	353	7	utilization	utilization	NOUN
ejif-3301	353	8	increase	increase	VERB
ejif-3301	353	9	their	their	PRON
ejif-3301	353	10	turnover	turnover	NOUN
ejif-3301	353	11	at	at	ADP
ejif-3301	353	12	a	a	DET
ejif-3301	353	13	higher	high	ADJ
ejif-3301	353	14	spread	spread	NOUN
ejif-3301	353	15	.	.	PUNCT
ejif-3301	354	1	this	this	PRON
ejif-3301	354	2	means	mean	VERB
ejif-3301	354	3	more	more	ADV
ejif-3301	354	4	risky	risky	ADJ
ejif-3301	354	5	business	business	NOUN
ejif-3301	354	6	are	be	AUX
ejif-3301	354	7	utilizing	utilize	VERB
ejif-3301	354	8	funds	fund	NOUN
ejif-3301	354	9	efficiently	efficiently	ADV
ejif-3301	354	10	,	,	PUNCT
ejif-3301	354	11	however	however	ADV
ejif-3301	354	12	it	it	PRON
ejif-3301	354	13	remained	remain	VERB
ejif-3301	354	14	insignificant	insignificant	ADJ
ejif-3301	354	15	for	for	ADP
ejif-3301	354	16	istisna	istisna	NOUN
ejif-3301	354	17	case	case	NOUN
ejif-3301	354	18	.	.	PUNCT
ejif-3301	355	1	this	this	DET
ejif-3301	355	2	relationship	relationship	NOUN
ejif-3301	355	3	is	be	AUX
ejif-3301	355	4	also	also	ADV
ejif-3301	355	5	valid	valid	ADJ
ejif-3301	355	6	to	to	PART
ejif-3301	355	7	return	return	VERB
ejif-3301	355	8	on	on	ADP
ejif-3301	355	9	assets	asset	NOUN
ejif-3301	355	10	,	,	PUNCT
ejif-3301	355	11	as	as	SCONJ
ejif-3301	355	12	both	both	PRON
ejif-3301	355	13	is	be	AUX
ejif-3301	355	14	significantly	significantly	ADV
ejif-3301	355	15	influencing	influence	VERB
ejif-3301	355	16	the	the	DET
ejif-3301	355	17	spreads	spread	NOUN
ejif-3301	355	18	.	.	PUNCT
ejif-3301	356	1	in	in	ADP
ejif-3301	356	2	model	model	NOUN
ejif-3301	356	3	11	11	NUM
ejif-3301	356	4	and	and	CCONJ
ejif-3301	356	5	12	12	NUM
ejif-3301	356	6	,	,	PUNCT
ejif-3301	356	7	financing	financing	NOUN
ejif-3301	356	8	rates	rate	NOUN
ejif-3301	356	9	were	be	AUX
ejif-3301	356	10	negatively	negatively	ADV
ejif-3301	356	11	affected	affect	VERB
ejif-3301	356	12	by	by	ADP
ejif-3301	356	13	profit	profit	NOUN
ejif-3301	356	14	margin	margin	NOUN
ejif-3301	356	15	for	for	ADP
ejif-3301	356	16	both	both	DET
ejif-3301	356	17	forms	form	NOUN
ejif-3301	356	18	,	,	PUNCT
ejif-3301	356	19	indicating	indicate	VERB
ejif-3301	356	20	risky	risky	ADJ
ejif-3301	356	21	investments	investment	NOUN
ejif-3301	356	22	seems	seem	VERB
ejif-3301	356	23	to	to	PART
ejif-3301	356	24	have	have	VERB
ejif-3301	356	25	lower	low	ADJ
ejif-3301	356	26	profitability	profitability	NOUN
ejif-3301	356	27	,	,	PUNCT
ejif-3301	356	28	the	the	DET
ejif-3301	356	29	effect	effect	NOUN
ejif-3301	356	30	is	be	AUX
ejif-3301	356	31	however	however	ADV
ejif-3301	356	32	insignificant	insignificant	ADJ
ejif-3301	356	33	for	for	ADP
ejif-3301	356	34	murabaha	murabaha	NOUN
ejif-3301	356	35	maybe	maybe	ADV
ejif-3301	356	36	because	because	SCONJ
ejif-3301	356	37	of	of	ADP
ejif-3301	356	38	better	well	ADJ
ejif-3301	356	39	utilization	utilization	NOUN
ejif-3301	356	40	of	of	ADP
ejif-3301	356	41	financing	financing	NOUN
ejif-3301	356	42	.	.	PUNCT
ejif-3301	357	1	the	the	DET
ejif-3301	357	2	same	same	ADJ
ejif-3301	357	3	effect	effect	NOUN
ejif-3301	357	4	is	be	AUX
ejif-3301	357	5	witnessed	witness	VERB
ejif-3301	357	6	for	for	ADP
ejif-3301	357	7	total	total	ADJ
ejif-3301	357	8	assets	asset	NOUN
ejif-3301	357	9	turnover	turnover	NOUN
ejif-3301	357	10	.	.	PUNCT
ejif-3301	358	1	financial	financial	ADJ
ejif-3301	358	2	leverage	leverage	NOUN
ejif-3301	358	3	also	also	ADV
ejif-3301	358	4	negatively	negatively	ADV
ejif-3301	358	5	affected	affect	VERB
ejif-3301	358	6	that	that	SCONJ
ejif-3301	358	7	financing	financing	NOUN
ejif-3301	358	8	rate	rate	NOUN
ejif-3301	358	9	as	as	ADP
ejif-3301	358	10	in	in	ADP
ejif-3301	358	11	case	case	NOUN
ejif-3301	358	12	with	with	ADP
ejif-3301	358	13	spreads	spread	NOUN
ejif-3301	358	14	.	.	PUNCT
ejif-3301	359	1	the	the	DET
ejif-3301	359	2	effect	effect	NOUN
ejif-3301	359	3	is	be	AUX
ejif-3301	359	4	significant	significant	ADJ
ejif-3301	359	5	for	for	SCONJ
ejif-3301	359	6	istisna	istisna	NOUN
ejif-3301	359	7	(	(	PUNCT
ejif-3301	359	8	model	model	NOUN
ejif-3301	359	9	12	12	NUM
ejif-3301	359	10	)	)	PUNCT
ejif-3301	359	11	return	return	NOUN
ejif-3301	359	12	on	on	ADP
ejif-3301	359	13	assets	asset	NOUN
ejif-3301	359	14	was	be	AUX
ejif-3301	359	15	also	also	ADV
ejif-3301	359	16	positively	positively	ADV
ejif-3301	359	17	related	relate	VERB
ejif-3301	359	18	to	to	ADP
ejif-3301	359	19	financing	finance	VERB
ejif-3301	359	20	rates	rate	NOUN
ejif-3301	359	21	for	for	ADP
ejif-3301	359	22	both	both	DET
ejif-3301	359	23	forms	form	NOUN
ejif-3301	359	24	however	however	ADV
ejif-3301	359	25	,	,	PUNCT
ejif-3301	359	26	the	the	DET
ejif-3301	359	27	effect	effect	NOUN
ejif-3301	359	28	is	be	AUX
ejif-3301	359	29	significant	significant	ADJ
ejif-3301	359	30	for	for	ADP
ejif-3301	359	31	istisna	istisna	NOUN
ejif-3301	359	32	(	(	PUNCT
ejif-3301	359	33	model	model	NOUN
ejif-3301	359	34	12	12	NUM
ejif-3301	359	35	)	)	PUNCT
ejif-3301	359	36	.	.	PUNCT
ejif-3301	360	1	it	it	PRON
ejif-3301	360	2	showed	show	VERB
ejif-3301	360	3	that	that	SCONJ
ejif-3301	360	4	higher	high	ADJ
ejif-3301	360	5	financing	financing	NOUN
ejif-3301	360	6	rate	rate	NOUN
ejif-3301	360	7	leads	lead	VERB
ejif-3301	360	8	to	to	ADP
ejif-3301	360	9	higher	high	ADJ
ejif-3301	360	10	returns	return	NOUN
ejif-3301	360	11	afterwards	afterwards	ADV
ejif-3301	360	12	,	,	PUNCT
ejif-3301	360	13	it	it	PRON
ejif-3301	360	14	could	could	AUX
ejif-3301	360	15	mean	mean	VERB
ejif-3301	360	16	,	,	PUNCT
ejif-3301	360	17	in	in	ADP
ejif-3301	360	18	case	case	NOUN
ejif-3301	360	19	of	of	ADP
ejif-3301	360	20	istisna	istisna	NOUN
ejif-3301	360	21	,	,	PUNCT
ejif-3301	360	22	that	that	SCONJ
ejif-3301	360	23	banks	bank	NOUN
ejif-3301	360	24	were	be	AUX
ejif-3301	360	25	funding	fund	VERB
ejif-3301	360	26	business	business	NOUN
ejif-3301	360	27	that	that	PRON
ejif-3301	360	28	were	be	AUX
ejif-3301	360	29	more	more	ADV
ejif-3301	360	30	cyclical	cyclical	ADJ
ejif-3301	360	31	in	in	ADP
ejif-3301	360	32	nature	nature	NOUN
ejif-3301	360	33	,	,	PUNCT
ejif-3301	360	34	whereas	whereas	SCONJ
ejif-3301	360	35	in	in	ADP
ejif-3301	360	36	murabaha	murabaha	NOUN
ejif-3301	360	37	financing	financing	NOUN
ejif-3301	360	38	,	,	PUNCT
ejif-3301	360	39	funds	fund	NOUN
ejif-3301	360	40	were	be	AUX
ejif-3301	360	41	invested	invest	VERB
ejif-3301	360	42	in	in	ADP
ejif-3301	360	43	core	core	NOUN
ejif-3301	360	44	activities	activity	NOUN
ejif-3301	360	45	that	that	PRON
ejif-3301	360	46	did	do	AUX
ejif-3301	360	47	n’t	not	PART
ejif-3301	360	48	significantly	significantly	ADV
ejif-3301	360	49	move	move	VERB
ejif-3301	360	50	with	with	ADP
ejif-3301	360	51	the	the	DET
ejif-3301	360	52	rates	rate	NOUN
ejif-3301	360	53	.	.	PUNCT
ejif-3301	361	1	in	in	ADP
ejif-3301	361	2	model	model	NOUN
ejif-3301	361	3	13	13	NUM
ejif-3301	361	4	and	and	CCONJ
ejif-3301	361	5	14	14	NUM
ejif-3301	361	6	,	,	PUNCT
ejif-3301	361	7	profit	profit	NOUN
ejif-3301	361	8	margins	margin	NOUN
ejif-3301	361	9	had	have	VERB
ejif-3301	361	10	inverse	inverse	ADJ
ejif-3301	361	11	effect	effect	NOUN
ejif-3301	361	12	on	on	ADP
ejif-3301	361	13	tenor	tenor	NOUN
ejif-3301	361	14	,	,	PUNCT
ejif-3301	361	15	the	the	DET
ejif-3301	361	16	effect	effect	NOUN
ejif-3301	361	17	is	be	AUX
ejif-3301	361	18	significant	significant	ADJ
ejif-3301	361	19	for	for	ADP
ejif-3301	361	20	istisna	istisna	NOUN
ejif-3301	361	21	.	.	PUNCT
ejif-3301	362	1	this	this	PRON
ejif-3301	362	2	showed	show	VERB
ejif-3301	362	3	that	that	SCONJ
ejif-3301	362	4	long	long	ADJ
ejif-3301	362	5	term	term	NOUN
ejif-3301	362	6	projects	project	NOUN
ejif-3301	362	7	yields	yield	VERB
ejif-3301	362	8	more	more	ADJ
ejif-3301	362	9	profit	profit	NOUN
ejif-3301	362	10	as	as	ADP
ejif-3301	362	11	compared	compare	VERB
ejif-3301	362	12	to	to	ADP
ejif-3301	362	13	short	short	ADJ
ejif-3301	362	14	term	term	NOUN
ejif-3301	362	15	,	,	PUNCT
ejif-3301	362	16	however	however	ADV
ejif-3301	362	17	the	the	DET
ejif-3301	362	18	effect	effect	NOUN
ejif-3301	362	19	was	be	AUX
ejif-3301	362	20	not	not	PART
ejif-3301	362	21	significant	significant	ADJ
ejif-3301	362	22	for	for	ADP
ejif-3301	362	23	murabaha	murabaha	NOUN
ejif-3301	362	24	.	.	PUNCT
ejif-3301	363	1	similar	similar	ADJ
ejif-3301	363	2	result	result	NOUN
ejif-3301	363	3	were	be	AUX
ejif-3301	363	4	found	find	VERB
ejif-3301	363	5	with	with	ADP
ejif-3301	363	6	fixed	fix	VERB
ejif-3301	363	7	assets	asset	NOUN
ejif-3301	363	8	turnover	turnover	NOUN
ejif-3301	363	9	and	and	CCONJ
ejif-3301	363	10	return	return	VERB
ejif-3301	363	11	on	on	ADP
ejif-3301	363	12	assets	asset	NOUN
ejif-3301	363	13	,	,	PUNCT
ejif-3301	363	14	as	as	SCONJ
ejif-3301	363	15	it	it	PRON
ejif-3301	363	16	positively	positively	ADV
ejif-3301	363	17	and	and	CCONJ
ejif-3301	363	18	significantly	significantly	ADV
ejif-3301	363	19	affected	affect	VERB
ejif-3301	363	20	the	the	DET
ejif-3301	363	21	tenor	tenor	NOUN
ejif-3301	363	22	for	for	ADP
ejif-3301	363	23	istisna	istisna	NOUN
ejif-3301	363	24	(	(	PUNCT
ejif-3301	363	25	model	model	NOUN
ejif-3301	363	26	14	14	NUM
ejif-3301	363	27	)	)	PUNCT
ejif-3301	363	28	,	,	PUNCT
ejif-3301	363	29	indicating	indicate	VERB
ejif-3301	363	30	more	more	ADJ
ejif-3301	363	31	efficiencies	efficiency	NOUN
ejif-3301	363	32	in	in	ADP
ejif-3301	363	33	longer	long	ADJ
ejif-3301	363	34	run	run	NOUN
ejif-3301	363	35	,	,	PUNCT
ejif-3301	363	36	however	however	ADV
ejif-3301	363	37	it	it	PRON
ejif-3301	363	38	remained	remain	VERB
ejif-3301	363	39	insignificant	insignificant	ADJ
ejif-3301	363	40	for	for	ADP
ejif-3301	363	41	murabaha	murabaha	NOUN
ejif-3301	363	42	.	.	PUNCT
ejif-3301	364	1	at	at	ADP
ejif-3301	364	2	last	last	ADJ
ejif-3301	364	3	,	,	PUNCT
ejif-3301	364	4	interest	interest	NOUN
ejif-3301	364	5	coverage	coverage	NOUN
ejif-3301	364	6	ratio	ratio	NOUN
ejif-3301	364	7	largely	largely	ADV
ejif-3301	364	8	remained	remain	VERB
ejif-3301	364	9	in	in	ADP
ejif-3301	364	10	significant	significant	ADJ
ejif-3301	364	11	in	in	ADP
ejif-3301	364	12	all	all	DET
ejif-3301	364	13	models	model	NOUN
ejif-3301	364	14	..	..	PUNCT
ejif-3301	365	1	v.	v.	ADP
ejif-3301	365	2	conclusion	conclusion	NOUN
ejif-3301	365	3	asymmetric	asymmetric	ADJ
ejif-3301	365	4	information	information	NOUN
ejif-3301	365	5	topic	topic	NOUN
ejif-3301	365	6	has	have	AUX
ejif-3301	365	7	widely	widely	ADV
ejif-3301	365	8	discussed	discuss	VERB
ejif-3301	365	9	in	in	ADP
ejif-3301	365	10	relation	relation	NOUN
ejif-3301	365	11	with	with	ADP
ejif-3301	365	12	conventional	conventional	ADJ
ejif-3301	365	13	banks	bank	NOUN
ejif-3301	365	14	.	.	PUNCT
ejif-3301	366	1	some	some	DET
ejif-3301	366	2	studies	study	NOUN
ejif-3301	366	3	have	have	AUX
ejif-3301	366	4	been	be	AUX
ejif-3301	366	5	done	do	VERB
ejif-3301	366	6	on	on	ADP
ejif-3301	366	7	asymmetric	asymmetric	ADJ
ejif-3301	366	8	information	information	NOUN
ejif-3301	366	9	in	in	ADP
ejif-3301	366	10	relation	relation	NOUN
ejif-3301	366	11	with	with	ADP
ejif-3301	366	12	islamic	islamic	ADJ
ejif-3301	366	13	financial	financial	ADJ
ejif-3301	366	14	contracts	contract	NOUN
ejif-3301	366	15	as	as	SCONJ
ejif-3301	366	16	it	it	PRON
ejif-3301	366	17	discussed	discuss	VERB
ejif-3301	366	18	in	in	ADP
ejif-3301	366	19	literature	literature	NOUN
ejif-3301	366	20	review	review	NOUN
ejif-3301	366	21	but	but	CCONJ
ejif-3301	366	22	majority	majority	NOUN
ejif-3301	366	23	studies	study	NOUN
ejif-3301	366	24	are	be	AUX
ejif-3301	366	25	on	on	ADP
ejif-3301	366	26	equity	equity	NOUN
ejif-3301	366	27	base	base	NOUN
ejif-3301	366	28	islamic	islamic	ADJ
ejif-3301	366	29	financial	financial	ADJ
ejif-3301	366	30	contracts	contract	NOUN
ejif-3301	366	31	like	like	ADP
ejif-3301	366	32	musharkah	musharkah	PROPN
ejif-3301	366	33	and	and	CCONJ
ejif-3301	366	34	mudarba	mudarba	NOUN
ejif-3301	366	35	with	with	ADP
ejif-3301	366	36	respect	respect	NOUN
ejif-3301	366	37	to	to	ADP
ejif-3301	366	38	both	both	PRON
ejif-3301	366	39	aspect	aspect	VERB
ejif-3301	366	40	adverse	adverse	ADJ
ejif-3301	366	41	selection	selection	NOUN
ejif-3301	366	42	and	and	CCONJ
ejif-3301	366	43	moral	moral	ADJ
ejif-3301	366	44	hazard	hazard	NOUN
ejif-3301	366	45	,	,	PUNCT
ejif-3301	366	46	the	the	DET
ejif-3301	366	47	studies	study	NOUN
ejif-3301	366	48	shows	show	VERB
ejif-3301	366	49	that	that	SCONJ
ejif-3301	366	50	both	both	DET
ejif-3301	366	51	problem	problem	NOUN
ejif-3301	366	52	exist	exist	VERB
ejif-3301	366	53	in	in	ADP
ejif-3301	366	54	musharkah	musharkah	PROPN
ejif-3301	366	55	and	and	CCONJ
ejif-3301	366	56	mudarbah	mudarbah	NOUN
ejif-3301	366	57	and	and	CCONJ
ejif-3301	366	58	has	have	AUX
ejif-3301	366	59	been	be	AUX
ejif-3301	366	60	discussed	discuss	VERB
ejif-3301	366	61	their	their	PRON
ejif-3301	366	62	solution	solution	NOUN
ejif-3301	366	63	.	.	PUNCT
ejif-3301	367	1	there	there	PRON
ejif-3301	367	2	is	be	VERB
ejif-3301	367	3	another	another	DET
ejif-3301	367	4	type	type	NOUN
ejif-3301	367	5	of	of	ADP
ejif-3301	367	6	islamic	islamic	ADJ
ejif-3301	367	7	financial	financial	ADJ
ejif-3301	367	8	contract	contract	NOUN
ejif-3301	367	9	which	which	PRON
ejif-3301	367	10	is	be	AUX
ejif-3301	367	11	consider	consider	VERB
ejif-3301	367	12	on	on	ADP
ejif-3301	367	13	debt	debt	NOUN
ejif-3301	367	14	base	base	NOUN
ejif-3301	368	1	i.e	i.e	X
ejif-3301	368	2	ejif	ejif	ADJ
ejif-3301	368	3	–	–	PUNCT
ejif-3301	368	4	european	european	PROPN
ejif-3301	368	5	journal	journal	PROPN
ejif-3301	368	6	of	of	ADP
ejif-3301	368	7	islamic	islamic	PROPN
ejif-3301	368	8	finance	finance	PROPN
ejif-3301	368	9	no	no	DET
ejif-3301	368	10	14	14	NUM
ejif-3301	368	11	,	,	PUNCT
ejif-3301	368	12	december	december	PROPN
ejif-3301	368	13	(	(	PUNCT
ejif-3301	368	14	2019	2019	NUM
ejif-3301	368	15	)	)	PUNCT
ejif-3301	368	16	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	368	17	issn	issn	VERB
ejif-3301	368	18	2421	2421	NUM
ejif-3301	368	19	-	-	SYM
ejif-3301	368	20	2172	2172	NUM
ejif-3301	368	21	13	13	NUM
ejif-3301	368	22	murabaha	murabaha	NOUN
ejif-3301	368	23	,	,	PUNCT
ejif-3301	368	24	istisna	istisna	NOUN
ejif-3301	368	25	few	few	ADJ
ejif-3301	368	26	article	article	NOUN
ejif-3301	368	27	are	be	AUX
ejif-3301	368	28	on	on	ADP
ejif-3301	368	29	one	one	NUM
ejif-3301	368	30	side	side	NOUN
ejif-3301	368	31	of	of	ADP
ejif-3301	368	32	effect	effect	NOUN
ejif-3301	368	33	of	of	ADP
ejif-3301	368	34	asymmetric	asymmetric	ADJ
ejif-3301	368	35	information	information	NOUN
ejif-3301	368	36	as	as	ADP
ejif-3301	368	37	moral	moral	ADJ
ejif-3301	368	38	hazard	hazard	NOUN
ejif-3301	368	39	in	in	ADP
ejif-3301	368	40	murabaha	murabaha	NOUN
ejif-3301	368	41	but	but	CCONJ
ejif-3301	368	42	no	no	DET
ejif-3301	368	43	study	study	NOUN
ejif-3301	368	44	found	find	VERB
ejif-3301	368	45	on	on	ADP
ejif-3301	368	46	istisna	istisna	NOUN
ejif-3301	368	47	in	in	ADP
ejif-3301	368	48	connection	connection	NOUN
ejif-3301	368	49	with	with	ADP
ejif-3301	368	50	moral	moral	ADJ
ejif-3301	368	51	hazard	hazard	NOUN
ejif-3301	368	52	and	and	CCONJ
ejif-3301	368	53	adverse	adverse	ADJ
ejif-3301	368	54	selection	selection	NOUN
ejif-3301	368	55	.	.	PUNCT
ejif-3301	369	1	this	this	DET
ejif-3301	369	2	study	study	NOUN
ejif-3301	369	3	not	not	PART
ejif-3301	369	4	only	only	ADV
ejif-3301	369	5	focused	focus	VERB
ejif-3301	369	6	on	on	ADP
ejif-3301	369	7	murabaha	murabaha	NOUN
ejif-3301	369	8	but	but	CCONJ
ejif-3301	369	9	also	also	ADV
ejif-3301	369	10	compared	compare	VERB
ejif-3301	369	11	it	it	PRON
ejif-3301	369	12	with	with	ADP
ejif-3301	369	13	istisna	istisna	NOUN
ejif-3301	369	14	,	,	PUNCT
ejif-3301	369	15	it	it	PRON
ejif-3301	369	16	proved	prove	VERB
ejif-3301	369	17	that	that	PRON
ejif-3301	369	18	murabaha	murabaha	NOUN
ejif-3301	369	19	also	also	ADV
ejif-3301	369	20	have	have	VERB
ejif-3301	369	21	the	the	DET
ejif-3301	369	22	problems	problem	NOUN
ejif-3301	369	23	of	of	ADP
ejif-3301	369	24	adverse	adverse	ADJ
ejif-3301	369	25	selection	selection	NOUN
ejif-3301	369	26	in	in	ADP
ejif-3301	369	27	a	a	DET
ejif-3301	369	28	way	way	NOUN
ejif-3301	369	29	that	that	PRON
ejif-3301	369	30	at	at	ADP
ejif-3301	369	31	time	time	NOUN
ejif-3301	369	32	of	of	ADP
ejif-3301	369	33	selection	selection	NOUN
ejif-3301	369	34	of	of	ADP
ejif-3301	369	35	a	a	DET
ejif-3301	369	36	customer	customer	NOUN
ejif-3301	369	37	a	a	DET
ejif-3301	369	38	bank	bank	NOUN
ejif-3301	369	39	may	may	AUX
ejif-3301	369	40	make	make	VERB
ejif-3301	369	41	mistake	mistake	NOUN
ejif-3301	369	42	in	in	ADP
ejif-3301	369	43	credit	credit	NOUN
ejif-3301	369	44	worthiness	worthiness	NOUN
ejif-3301	369	45	checking	checking	NOUN
ejif-3301	369	46	of	of	ADP
ejif-3301	369	47	client	client	NOUN
ejif-3301	369	48	,	,	PUNCT
ejif-3301	369	49	however	however	ADV
ejif-3301	369	50	,	,	PUNCT
ejif-3301	369	51	it	it	PRON
ejif-3301	369	52	can	can	AUX
ejif-3301	369	53	be	be	AUX
ejif-3301	369	54	cover	cover	VERB
ejif-3301	369	55	by	by	ADP
ejif-3301	369	56	taking	take	VERB
ejif-3301	369	57	security	security	NOUN
ejif-3301	369	58	.	.	PUNCT
ejif-3301	370	1	in	in	ADP
ejif-3301	370	2	istisna	istisna	NOUN
ejif-3301	370	3	it	it	PRON
ejif-3301	370	4	can	can	AUX
ejif-3301	370	5	be	be	AUX
ejif-3301	370	6	covered	cover	VERB
ejif-3301	370	7	by	by	ADP
ejif-3301	370	8	not	not	PART
ejif-3301	370	9	making	make	VERB
ejif-3301	370	10	disbursement	disbursement	NOUN
ejif-3301	370	11	till	till	SCONJ
ejif-3301	370	12	time	time	NOUN
ejif-3301	370	13	of	of	ADP
ejif-3301	370	14	delivery	delivery	NOUN
ejif-3301	370	15	of	of	ADP
ejif-3301	370	16	final	final	ADJ
ejif-3301	370	17	product	product	NOUN
ejif-3301	370	18	to	to	ADP
ejif-3301	370	19	the	the	DET
ejif-3301	370	20	bank	bank	NOUN
ejif-3301	370	21	although	although	SCONJ
ejif-3301	370	22	as	as	SCONJ
ejif-3301	370	23	per	per	ADP
ejif-3301	370	24	sharia	sharia	PROPN
ejif-3301	370	25	disbursement	disbursement	NOUN
ejif-3301	370	26	to	to	ADP
ejif-3301	370	27	customer	customer	NOUN
ejif-3301	370	28	is	be	AUX
ejif-3301	370	29	allowed	allow	VERB
ejif-3301	370	30	before	before	ADP
ejif-3301	370	31	the	the	DET
ejif-3301	370	32	delivery	delivery	NOUN
ejif-3301	370	33	as	as	ADV
ejif-3301	370	34	well	well	ADV
ejif-3301	370	35	as	as	ADP
ejif-3301	370	36	at	at	ADP
ejif-3301	370	37	time	time	NOUN
ejif-3301	370	38	of	of	ADP
ejif-3301	370	39	making	make	VERB
ejif-3301	370	40	istisna	istisna	NOUN
ejif-3301	370	41	order	order	NOUN
ejif-3301	370	42	,	,	PUNCT
ejif-3301	370	43	but	but	CCONJ
ejif-3301	370	44	practically	practically	ADV
ejif-3301	370	45	if	if	SCONJ
ejif-3301	370	46	the	the	DET
ejif-3301	370	47	islamic	islamic	ADJ
ejif-3301	370	48	banks	bank	NOUN
ejif-3301	370	49	restrict	restrict	VERB
ejif-3301	370	50	the	the	DET
ejif-3301	370	51	disbursement	disbursement	NOUN
ejif-3301	370	52	till	till	SCONJ
ejif-3301	370	53	delivery	delivery	NOUN
ejif-3301	370	54	the	the	DET
ejif-3301	370	55	product	product	NOUN
ejif-3301	370	56	will	will	AUX
ejif-3301	370	57	not	not	PART
ejif-3301	370	58	remain	remain	VERB
ejif-3301	370	59	viable	viable	ADJ
ejif-3301	370	60	for	for	ADP
ejif-3301	370	61	market	market	NOUN
ejif-3301	370	62	because	because	SCONJ
ejif-3301	370	63	the	the	DET
ejif-3301	370	64	customer	customer	NOUN
ejif-3301	370	65	needs	need	VERB
ejif-3301	370	66	financing	financing	NOUN
ejif-3301	370	67	for	for	ADP
ejif-3301	370	68	purchasing	purchase	VERB
ejif-3301	370	69	the	the	DET
ejif-3301	370	70	raw	raw	ADJ
ejif-3301	370	71	material	material	NOUN
ejif-3301	370	72	,	,	PUNCT
ejif-3301	370	73	although	although	SCONJ
ejif-3301	370	74	it	it	PRON
ejif-3301	370	75	is	be	AUX
ejif-3301	370	76	risky	risky	ADJ
ejif-3301	370	77	which	which	PRON
ejif-3301	370	78	leads	lead	VERB
ejif-3301	370	79	to	to	ADP
ejif-3301	370	80	moral	moral	ADJ
ejif-3301	370	81	hazard	hazard	NOUN
ejif-3301	370	82	we	we	PRON
ejif-3301	370	83	selected	select	VERB
ejif-3301	370	84	three	three	NUM
ejif-3301	370	85	years	year	NOUN
ejif-3301	370	86	annual	annual	ADJ
ejif-3301	370	87	data	datum	NOUN
ejif-3301	370	88	of	of	ADP
ejif-3301	370	89	35	35	NUM
ejif-3301	370	90	customers	customer	NOUN
ejif-3301	370	91	with	with	ADP
ejif-3301	370	92	the	the	DET
ejif-3301	370	93	105	105	NUM
ejif-3301	370	94	number	number	NOUN
ejif-3301	370	95	of	of	ADP
ejif-3301	370	96	observation	observation	NOUN
ejif-3301	370	97	of	of	ADP
ejif-3301	370	98	islamic	islamic	PROPN
ejif-3301	370	99	bank	bank	PROPN
ejif-3301	370	100	,	,	PUNCT
ejif-3301	370	101	which	which	PRON
ejif-3301	370	102	are	be	AUX
ejif-3301	370	103	utilizing	utilize	VERB
ejif-3301	370	104	many	many	ADJ
ejif-3301	370	105	sharia	sharia	ADJ
ejif-3301	370	106	compliant	compliant	ADJ
ejif-3301	370	107	financing	financing	NOUN
ejif-3301	370	108	facilities	facility	NOUN
ejif-3301	370	109	,	,	PUNCT
ejif-3301	370	110	but	but	CCONJ
ejif-3301	370	111	i	i	PRON
ejif-3301	370	112	select	select	VERB
ejif-3301	370	113	two	two	NUM
ejif-3301	370	114	:	:	PUNCT
ejif-3301	370	115	istisna	istisna	NOUN
ejif-3301	370	116	and	and	CCONJ
ejif-3301	370	117	murabaha	murabaha	NOUN
ejif-3301	370	118	financing	financing	NOUN
ejif-3301	370	119	products	product	NOUN
ejif-3301	370	120	in	in	ADP
ejif-3301	370	121	different	different	ADJ
ejif-3301	370	122	commodities	commodity	NOUN
ejif-3301	370	123	like	like	ADP
ejif-3301	370	124	cotton	cotton	NOUN
ejif-3301	370	125	bales	bale	NOUN
ejif-3301	370	126	,	,	PUNCT
ejif-3301	370	127	fertilizer	fertilizer	NOUN
ejif-3301	370	128	,	,	PUNCT
ejif-3301	370	129	pesticide	pesticide	NOUN
ejif-3301	370	130	,	,	PUNCT
ejif-3301	370	131	oil	oil	NOUN
ejif-3301	370	132	cake	cake	NOUN
ejif-3301	370	133	,	,	PUNCT
ejif-3301	370	134	rice	rice	NOUN
ejif-3301	370	135	,	,	PUNCT
ejif-3301	370	136	wheat	wheat	NOUN
ejif-3301	370	137	seed	seed	NOUN
ejif-3301	370	138	,	,	PUNCT
ejif-3301	370	139	cotton	cotton	NOUN
ejif-3301	370	140	seed	seed	NOUN
ejif-3301	370	141	,	,	PUNCT
ejif-3301	370	142	chipboard	chipboard	NOUN
ejif-3301	370	143	,	,	PUNCT
ejif-3301	370	144	fans	fan	NOUN
ejif-3301	370	145	,	,	PUNCT
ejif-3301	370	146	auto	auto	NOUN
ejif-3301	370	147	parts	part	NOUN
ejif-3301	370	148	,	,	PUNCT
ejif-3301	370	149	canola	canola	NOUN
ejif-3301	370	150	seed	seed	NOUN
ejif-3301	370	151	and	and	CCONJ
ejif-3301	370	152	medicines	medicine	NOUN
ejif-3301	370	153	.	.	PUNCT
ejif-3301	371	1	we	we	PRON
ejif-3301	371	2	found	find	VERB
ejif-3301	371	3	no	no	DET
ejif-3301	371	4	payment	payment	NOUN
ejif-3301	371	5	delay	delay	NOUN
ejif-3301	371	6	in	in	ADP
ejif-3301	371	7	all	all	DET
ejif-3301	371	8	customer	customer	NOUN
ejif-3301	371	9	which	which	PRON
ejif-3301	371	10	are	be	AUX
ejif-3301	371	11	from	from	ADP
ejif-3301	371	12	very	very	ADV
ejif-3301	371	13	different	different	ADJ
ejif-3301	371	14	segments	segment	NOUN
ejif-3301	371	15	unlike	unlike	ADP
ejif-3301	371	16	in	in	ADP
ejif-3301	371	17	case	case	NOUN
ejif-3301	371	18	of	of	ADP
ejif-3301	371	19	conventional	conventional	ADJ
ejif-3301	371	20	financing	financing	NOUN
ejif-3301	371	21	,	,	PUNCT
ejif-3301	371	22	where	where	SCONJ
ejif-3301	371	23	this	this	DET
ejif-3301	371	24	ratio	ratio	NOUN
ejif-3301	371	25	relatively	relatively	ADV
ejif-3301	371	26	high	high	ADJ
ejif-3301	371	27	.	.	PUNCT
ejif-3301	372	1	in	in	ADP
ejif-3301	372	2	islamic	islamic	ADJ
ejif-3301	372	3	financing	financing	NOUN
ejif-3301	372	4	contract	contract	NOUN
ejif-3301	372	5	,	,	PUNCT
ejif-3301	372	6	the	the	DET
ejif-3301	372	7	disbursement	disbursement	NOUN
ejif-3301	372	8	amount	amount	NOUN
ejif-3301	372	9	actually	actually	ADV
ejif-3301	372	10	placed	place	VERB
ejif-3301	372	11	in	in	ADP
ejif-3301	372	12	asset	asset	NOUN
ejif-3301	372	13	which	which	PRON
ejif-3301	372	14	has	have	VERB
ejif-3301	372	15	its	its	PRON
ejif-3301	372	16	monetary	monetary	ADJ
ejif-3301	372	17	value	value	NOUN
ejif-3301	372	18	so	so	ADV
ejif-3301	372	19	in	in	ADP
ejif-3301	372	20	case	case	NOUN
ejif-3301	372	21	of	of	ADP
ejif-3301	372	22	any	any	DET
ejif-3301	372	23	loss	loss	NOUN
ejif-3301	372	24	due	due	ADP
ejif-3301	372	25	to	to	ADP
ejif-3301	372	26	availability	availability	NOUN
ejif-3301	372	27	of	of	ADP
ejif-3301	372	28	actual	actual	ADJ
ejif-3301	372	29	asset	asset	NOUN
ejif-3301	372	30	customer	customer	NOUN
ejif-3301	372	31	can	can	AUX
ejif-3301	372	32	recover	recover	VERB
ejif-3301	372	33	major	major	ADJ
ejif-3301	372	34	portion	portion	NOUN
ejif-3301	372	35	of	of	ADP
ejif-3301	372	36	his	his	PRON
ejif-3301	372	37	disbursed	disburse	VERB
ejif-3301	372	38	amount	amount	NOUN
ejif-3301	372	39	and	and	CCONJ
ejif-3301	372	40	will	will	AUX
ejif-3301	372	41	be	be	AUX
ejif-3301	372	42	able	able	ADJ
ejif-3301	372	43	to	to	PART
ejif-3301	372	44	pay	pay	VERB
ejif-3301	372	45	the	the	DET
ejif-3301	372	46	bank	bank	NOUN
ejif-3301	372	47	financing	financing	NOUN
ejif-3301	372	48	at	at	ADP
ejif-3301	372	49	the	the	DET
ejif-3301	372	50	time	time	NOUN
ejif-3301	372	51	of	of	ADP
ejif-3301	372	52	maturity	maturity	NOUN
ejif-3301	372	53	,	,	PUNCT
ejif-3301	372	54	but	but	CCONJ
ejif-3301	372	55	in	in	ADP
ejif-3301	372	56	the	the	DET
ejif-3301	372	57	conventional	conventional	ADJ
ejif-3301	372	58	bank	bank	NOUN
ejif-3301	372	59	,	,	PUNCT
ejif-3301	372	60	the	the	DET
ejif-3301	372	61	disbursed	disburse	VERB
ejif-3301	372	62	amount	amount	NOUN
ejif-3301	372	63	did	do	AUX
ejif-3301	372	64	not	not	PART
ejif-3301	372	65	inject	inject	VERB
ejif-3301	372	66	directly	directly	ADV
ejif-3301	372	67	in	in	ADP
ejif-3301	372	68	physical	physical	ADJ
ejif-3301	372	69	asset	asset	NOUN
ejif-3301	372	70	so	so	ADV
ejif-3301	372	71	at	at	ADP
ejif-3301	372	72	time	time	NOUN
ejif-3301	372	73	of	of	ADP
ejif-3301	372	74	repayment	repayment	NOUN
ejif-3301	372	75	if	if	SCONJ
ejif-3301	372	76	customer	customer	NOUN
ejif-3301	372	77	has	have	AUX
ejif-3301	372	78	not	not	PART
ejif-3301	372	79	got	get	VERB
ejif-3301	372	80	enough	enough	ADJ
ejif-3301	372	81	,	,	PUNCT
ejif-3301	372	82	liquidity	liquidity	NOUN
ejif-3301	372	83	he	he	PRON
ejif-3301	372	84	would	would	AUX
ejif-3301	372	85	default	default	VERB
ejif-3301	372	86	.	.	PUNCT
ejif-3301	373	1	this	this	PRON
ejif-3301	373	2	leads	lead	VERB
ejif-3301	373	3	to	to	ADP
ejif-3301	373	4	the	the	DET
ejif-3301	373	5	problem	problem	NOUN
ejif-3301	373	6	moral	moral	ADJ
ejif-3301	373	7	hazard	hazard	NOUN
ejif-3301	373	8	ultimately	ultimately	ADV
ejif-3301	373	9	.	.	PUNCT
ejif-3301	374	1	hence	hence	ADV
ejif-3301	374	2	,	,	PUNCT
ejif-3301	374	3	the	the	DET
ejif-3301	374	4	injection	injection	NOUN
ejif-3301	374	5	of	of	ADP
ejif-3301	374	6	disbursed	disburse	VERB
ejif-3301	374	7	amount	amount	NOUN
ejif-3301	374	8	in	in	ADP
ejif-3301	374	9	real	real	ADJ
ejif-3301	374	10	asset	asset	NOUN
ejif-3301	374	11	is	be	AUX
ejif-3301	374	12	more	more	ADV
ejif-3301	374	13	beneficial	beneficial	ADJ
ejif-3301	374	14	for	for	ADP
ejif-3301	374	15	economy	economy	NOUN
ejif-3301	374	16	.	.	PUNCT
ejif-3301	375	1	recommendations	recommendation	NOUN
ejif-3301	375	2	the	the	DET
ejif-3301	375	3	study	study	NOUN
ejif-3301	375	4	suggested	suggest	VERB
ejif-3301	375	5	that	that	SCONJ
ejif-3301	375	6	sme	sme	NOUN
ejif-3301	375	7	and	and	CCONJ
ejif-3301	375	8	commercial	commercial	ADJ
ejif-3301	375	9	sector	sector	NOUN
ejif-3301	375	10	to	to	PART
ejif-3301	375	11	finance	finance	VERB
ejif-3301	375	12	their	their	PRON
ejif-3301	375	13	projects	project	NOUN
ejif-3301	375	14	under	under	ADP
ejif-3301	375	15	the	the	DET
ejif-3301	375	16	islamic	islamic	ADJ
ejif-3301	375	17	financial	financial	ADJ
ejif-3301	375	18	contracts	contract	NOUN
ejif-3301	375	19	.	.	PUNCT
ejif-3301	376	1	it	it	PRON
ejif-3301	376	2	is	be	AUX
ejif-3301	376	3	more	more	ADV
ejif-3301	376	4	secure	secure	ADJ
ejif-3301	376	5	and	and	CCONJ
ejif-3301	376	6	disciplined	discipline	VERB
ejif-3301	376	7	way	way	NOUN
ejif-3301	376	8	for	for	ADP
ejif-3301	376	9	both	both	CCONJ
ejif-3301	376	10	the	the	DET
ejif-3301	376	11	sectors	sector	NOUN
ejif-3301	376	12	.	.	PUNCT
ejif-3301	377	1	benefit	benefit	NOUN
ejif-3301	377	2	of	of	ADP
ejif-3301	377	3	using	use	VERB
ejif-3301	377	4	these	these	DET
ejif-3301	377	5	contracts	contract	NOUN
ejif-3301	377	6	is	be	AUX
ejif-3301	377	7	firstly	firstly	ADV
ejif-3301	377	8	to	to	PART
ejif-3301	377	9	avoid	avoid	VERB
ejif-3301	377	10	interestbased	interestbase	VERB
ejif-3301	377	11	transactions	transaction	NOUN
ejif-3301	377	12	,	,	PUNCT
ejif-3301	377	13	also	also	ADV
ejif-3301	377	14	these	these	DET
ejif-3301	377	15	contact	contact	NOUN
ejif-3301	377	16	does	do	AUX
ejif-3301	377	17	not	not	PART
ejif-3301	377	18	create	create	VERB
ejif-3301	377	19	the	the	DET
ejif-3301	377	20	bubble	bubble	NOUN
ejif-3301	377	21	in	in	ADP
ejif-3301	377	22	economy	economy	NOUN
ejif-3301	377	23	,	,	PUNCT
ejif-3301	377	24	which	which	PRON
ejif-3301	377	25	can	can	AUX
ejif-3301	377	26	burst	burst	VERB
ejif-3301	377	27	at	at	ADP
ejif-3301	377	28	any	any	DET
ejif-3301	377	29	time	time	NOUN
ejif-3301	377	30	acknowledgments	acknowledgment	NOUN
ejif-3301	377	31	:	:	PUNCT
ejif-3301	377	32	foremost	foremost	ADV
ejif-3301	377	33	,	,	PUNCT
ejif-3301	377	34	i	i	PRON
ejif-3301	377	35	would	would	AUX
ejif-3301	377	36	like	like	VERB
ejif-3301	377	37	to	to	PART
ejif-3301	377	38	express	express	VERB
ejif-3301	377	39	my	my	PRON
ejif-3301	377	40	sincere	sincere	ADJ
ejif-3301	377	41	gratitude	gratitude	NOUN
ejif-3301	377	42	to	to	ADP
ejif-3301	377	43	my	my	PRON
ejif-3301	377	44	advisor	advisor	PROPN
ejif-3301	377	45	dr	dr	PROPN
ejif-3301	377	46	.	.	PROPN
ejif-3301	377	47	danish	danish	PROPN
ejif-3301	377	48	ahmed	ahmed	PROPN
ejif-3301	377	49	siddiqui	siddiqui	PROPN
ejif-3301	377	50	associate	associate	PROPN
ejif-3301	377	51	professor	professor	PROPN
ejif-3301	377	52	karachi	karachi	PROPN
ejif-3301	377	53	university	university	PROPN
ejif-3301	377	54	business	business	NOUN
ejif-3301	377	55	school	school	NOUN
ejif-3301	377	56	,	,	PUNCT
ejif-3301	377	57	university	university	PROPN
ejif-3301	377	58	of	of	ADP
ejif-3301	377	59	karachi	karachi	PROPN
ejif-3301	377	60	,	,	PUNCT
ejif-3301	377	61	pakistan	pakistan	PROPN
ejif-3301	377	62	for	for	ADP
ejif-3301	377	63	the	the	DET
ejif-3301	377	64	continuous	continuous	ADJ
ejif-3301	377	65	support	support	NOUN
ejif-3301	377	66	of	of	ADP
ejif-3301	377	67	my	my	PRON
ejif-3301	377	68	m.phil	m.phil	NOUN
ejif-3301	377	69	.	.	PUNCT
ejif-3301	378	1	study	study	NOUN
ejif-3301	378	2	and	and	CCONJ
ejif-3301	378	3	research	research	NOUN
ejif-3301	378	4	,	,	PUNCT
ejif-3301	378	5	for	for	ADP
ejif-3301	378	6	his	his	PRON
ejif-3301	378	7	patience	patience	NOUN
ejif-3301	378	8	,	,	PUNCT
ejif-3301	378	9	motivation	motivation	NOUN
ejif-3301	378	10	,	,	PUNCT
ejif-3301	378	11	enthusiasm	enthusiasm	NOUN
ejif-3301	378	12	,	,	PUNCT
ejif-3301	378	13	and	and	CCONJ
ejif-3301	378	14	immense	immense	ADJ
ejif-3301	378	15	knowledge	knowledge	NOUN
ejif-3301	378	16	.	.	PUNCT
ejif-3301	379	1	his	his	PRON
ejif-3301	379	2	guidance	guidance	NOUN
ejif-3301	379	3	helped	help	VERB
ejif-3301	379	4	me	i	PRON
ejif-3301	379	5	in	in	ADP
ejif-3301	379	6	all	all	DET
ejif-3301	379	7	the	the	DET
ejif-3301	379	8	time	time	NOUN
ejif-3301	379	9	of	of	ADP
ejif-3301	379	10	research	research	NOUN
ejif-3301	379	11	and	and	CCONJ
ejif-3301	379	12	writing	writing	NOUN
ejif-3301	379	13	of	of	ADP
ejif-3301	379	14	this	this	DET
ejif-3301	379	15	thesis	thesis	NOUN
ejif-3301	379	16	.	.	PUNCT
ejif-3301	380	1	i	i	PRON
ejif-3301	380	2	could	could	AUX
ejif-3301	380	3	not	not	PART
ejif-3301	380	4	have	have	AUX
ejif-3301	380	5	imagined	imagine	VERB
ejif-3301	380	6	having	have	VERB
ejif-3301	380	7	a	a	DET
ejif-3301	380	8	better	well	ADJ
ejif-3301	380	9	advisor	advisor	NOUN
ejif-3301	380	10	and	and	CCONJ
ejif-3301	380	11	mentor	mentor	NOUN
ejif-3301	380	12	for	for	ADP
ejif-3301	380	13	my	my	PRON
ejif-3301	380	14	ph.d	ph.d	PROPN
ejif-3301	380	15	.	.	PUNCT
ejif-3301	381	1	study	study	NOUN
ejif-3301	382	1	i	i	PRON
ejif-3301	382	2	thank	thank	VERB
ejif-3301	382	3	my	my	PRON
ejif-3301	382	4	entire	entire	ADJ
ejif-3301	382	5	fellow	fellow	NOUN
ejif-3301	382	6	and	and	CCONJ
ejif-3301	382	7	class	class	NOUN
ejif-3301	382	8	matches	match	NOUN
ejif-3301	382	9	for	for	ADP
ejif-3301	382	10	the	the	DET
ejif-3301	382	11	stimulating	stimulating	ADJ
ejif-3301	382	12	discussions	discussion	NOUN
ejif-3301	382	13	,	,	PUNCT
ejif-3301	382	14	for	for	ADP
ejif-3301	382	15	the	the	DET
ejif-3301	382	16	sleepless	sleepless	ADJ
ejif-3301	382	17	nights	night	NOUN
ejif-3301	382	18	we	we	PRON
ejif-3301	382	19	were	be	AUX
ejif-3301	382	20	working	work	VERB
ejif-3301	382	21	together	together	ADV
ejif-3301	382	22	before	before	ADP
ejif-3301	382	23	deadlines	deadline	NOUN
ejif-3301	382	24	,	,	PUNCT
ejif-3301	382	25	and	and	CCONJ
ejif-3301	382	26	for	for	ADP
ejif-3301	382	27	all	all	DET
ejif-3301	382	28	the	the	DET
ejif-3301	382	29	fun	fun	NOUN
ejif-3301	382	30	we	we	PRON
ejif-3301	382	31	have	have	AUX
ejif-3301	382	32	had	have	VERB
ejif-3301	382	33	in	in	ADP
ejif-3301	382	34	the	the	DET
ejif-3301	382	35	last	last	ADJ
ejif-3301	382	36	three	three	NUM
ejif-3301	382	37	years	year	NOUN
ejif-3301	382	38	.	.	PUNCT
ejif-3301	383	1	last	last	ADJ
ejif-3301	383	2	but	but	CCONJ
ejif-3301	383	3	not	not	PART
ejif-3301	383	4	the	the	DET
ejif-3301	383	5	least	least	ADJ
ejif-3301	383	6	;	;	PUNCT
ejif-3301	383	7	i	i	PRON
ejif-3301	383	8	would	would	AUX
ejif-3301	383	9	like	like	VERB
ejif-3301	383	10	to	to	PART
ejif-3301	383	11	thank	thank	VERB
ejif-3301	383	12	my	my	PRON
ejif-3301	383	13	family	family	NOUN
ejif-3301	383	14	:	:	PUNCT
ejif-3301	383	15	my	my	PRON
ejif-3301	383	16	parents	parent	NOUN
ejif-3301	383	17	,	,	PUNCT
ejif-3301	383	18	for	for	ADP
ejif-3301	383	19	supporting	support	VERB
ejif-3301	383	20	me	i	PRON
ejif-3301	383	21	spiritually	spiritually	ADV
ejif-3301	383	22	throughout	throughout	ADP
ejif-3301	383	23	my	my	PRON
ejif-3301	383	24	life	life	NOUN
ejif-3301	383	25	.	.	PUNCT
ejif-3301	384	1	references	reference	NOUN
ejif-3301	384	2	[	[	X
ejif-3301	384	3	1	1	NUM
ejif-3301	384	4	]	]	PUNCT
ejif-3301	384	5	abdulmajid	abdulmajid	NOUN
ejif-3301	384	6	,	,	PUNCT
ejif-3301	384	7	m.	m.	PROPN
ejif-3301	384	8	s.	s.	PROPN
ejif-3301	384	9	(	(	PUNCT
ejif-3301	384	10	2010	2010	NUM
ejif-3301	384	11	)	)	PUNCT
ejif-3301	384	12	.	.	PUNCT
ejif-3301	385	1	efficency	efficency	NOUN
ejif-3301	385	2	in	in	ADP
ejif-3301	385	3	islamic	islamic	ADJ
ejif-3301	385	4	and	and	CCONJ
ejif-3301	385	5	conventional	conventional	ADJ
ejif-3301	385	6	banking	banking	NOUN
ejif-3301	385	7	:	:	PUNCT
ejif-3301	385	8	an	an	DET
ejif-3301	385	9	international	international	ADJ
ejif-3301	385	10	comparison	comparison	NOUN
ejif-3301	385	11	.	.	PUNCT
ejif-3301	386	1	journal	journal	PROPN
ejif-3301	386	2	of	of	ADP
ejif-3301	386	3	productivity	productivity	NOUN
ejif-3301	386	4	analysis	analysis	NOUN
ejif-3301	386	5	.	.	PUNCT
ejif-3301	387	1	[	[	X
ejif-3301	387	2	2	2	NUM
ejif-3301	387	3	]	]	PUNCT
ejif-3301	387	4	aggarwal	aggarwal	NOUN
ejif-3301	387	5	,	,	PUNCT
ejif-3301	387	6	r.	r.	PROPN
ejif-3301	387	7	a.	a.	PROPN
ejif-3301	387	8	(	(	PUNCT
ejif-3301	387	9	2000	2000	NUM
ejif-3301	387	10	)	)	PUNCT
ejif-3301	387	11	.	.	PUNCT
ejif-3301	388	1	islamic	islamic	ADJ
ejif-3301	388	2	banks	bank	NOUN
ejif-3301	388	3	and	and	CCONJ
ejif-3301	388	4	investment	investment	NOUN
ejif-3301	388	5	financing	financing	NOUN
ejif-3301	388	6	.	.	PUNCT
ejif-3301	389	1	journal	journal	NOUN
ejif-3301	389	2	of	of	ADP
ejif-3301	389	3	money	money	NOUN
ejif-3301	389	4	,	,	PUNCT
ejif-3301	389	5	credit	credit	NOUN
ejif-3301	389	6	and	and	CCONJ
ejif-3301	389	7	banking	banking	NOUN
ejif-3301	389	8	.	.	PUNCT
ejif-3301	390	1	[	[	X
ejif-3301	390	2	3	3	NUM
ejif-3301	390	3	]	]	PUNCT
ejif-3301	390	4	alsayyed	alsayyed	ADJ
ejif-3301	390	5	,	,	PUNCT
ejif-3301	390	6	m.	m.	NOUN
ejif-3301	390	7	(	(	PUNCT
ejif-3301	390	8	2010	2010	NUM
ejif-3301	390	9	)	)	PUNCT
ejif-3301	390	10	.	.	PUNCT
ejif-3301	391	1	the	the	DET
ejif-3301	391	2	use	use	NOUN
ejif-3301	391	3	and	and	CCONJ
ejif-3301	391	4	misuses	misuse	NOUN
ejif-3301	391	5	of	of	ADP
ejif-3301	391	6	commodity	commodity	NOUN
ejif-3301	391	7	murabaha	murabaha	NOUN
ejif-3301	391	8	:	:	PUNCT
ejif-3301	391	9	islamic	islamic	ADJ
ejif-3301	391	10	economics	economics	PROPN
ejif-3301	391	11	perspective	perspective	PROPN
ejif-3301	391	12	.	.	PUNCT
ejif-3301	392	1	phd	phd	NOUN
ejif-3301	392	2	researcher	researcher	PROPN
ejif-3301	392	3	islamic	islamic	PROPN
ejif-3301	392	4	economics	economic	NOUN
ejif-3301	392	5	,	,	PUNCT
ejif-3301	392	6	the	the	DET
ejif-3301	392	7	global	global	ADJ
ejif-3301	392	8	university	university	PROPN
ejif-3301	392	9	in	in	ADP
ejif-3301	392	10	islamic	islamic	PROPN
ejif-3301	392	11	finance	finance	NOUN
ejif-3301	392	12	(	(	PUNCT
ejif-3301	392	13	inceif)malaysia	inceif)malaysia	PROPN
ejif-3301	392	14	.	.	PUNCT
ejif-3301	393	1	[	[	X
ejif-3301	393	2	4	4	NUM
ejif-3301	393	3	]	]	X
ejif-3301	393	4	beck	beck	NOUN
ejif-3301	393	5	,	,	PUNCT
ejif-3301	393	6	t.	t.	PROPN
ejif-3301	393	7	d.-k	d.-k	PROPN
ejif-3301	393	8	.	.	PUNCT
ejif-3301	394	1	(	(	PUNCT
ejif-3301	394	2	2010	2010	NUM
ejif-3301	394	3	)	)	PUNCT
ejif-3301	394	4	.	.	PUNCT
ejif-3301	395	1	islamic	islamic	PROPN
ejif-3301	395	2	vs.	vs.	ADP
ejif-3301	395	3	conventional	conventional	ADJ
ejif-3301	395	4	banking	banking	NOUN
ejif-3301	395	5	:	:	PUNCT
ejif-3301	395	6	business	business	NOUN
ejif-3301	395	7	model	model	NOUN
ejif-3301	395	8	:	:	PUNCT
ejif-3301	395	9	efficency	efficency	NOUN
ejif-3301	395	10	and	and	CCONJ
ejif-3301	395	11	stability	stability	NOUN
ejif-3301	395	12	.	.	PUNCT
ejif-3301	396	1	policy	policy	NOUN
ejif-3301	396	2	reseach	reseach	NOUN
ejif-3301	396	3	working	work	VERB
ejif-3301	396	4	paperseries	paperserie	NOUN
ejif-3301	396	5	5446	5446	NUM
ejif-3301	396	6	.	.	PUNCT
ejif-3301	397	1	[	[	X
ejif-3301	397	2	5	5	NUM
ejif-3301	397	3	]	]	X
ejif-3301	397	4	crawford	crawford	PROPN
ejif-3301	397	5	.	.	PUNCT
ejif-3301	398	1	(	(	PUNCT
ejif-3301	398	2	2013	2013	NUM
ejif-3301	398	3	)	)	PUNCT
ejif-3301	398	4	.	.	PUNCT
ejif-3301	399	1	[	[	X
ejif-3301	399	2	6	6	NUM
ejif-3301	399	3	]	]	X
ejif-3301	399	4	handel	handel	X
ejif-3301	399	5	,	,	PUNCT
ejif-3301	399	6	b.	b.	PROPN
ejif-3301	399	7	(	(	PUNCT
ejif-3301	399	8	2011	2011	NUM
ejif-3301	399	9	)	)	PUNCT
ejif-3301	399	10	.	.	PUNCT
ejif-3301	399	11	adverse	adverse	ADJ
ejif-3301	399	12	selection	selection	NOUN
ejif-3301	399	13	and	and	CCONJ
ejif-3301	399	14	switching	switch	VERB
ejif-3301	399	15	cost	cost	NOUN
ejif-3301	399	16	in	in	ADP
ejif-3301	399	17	health	health	NOUN
ejif-3301	399	18	insurance	insurance	NOUN
ejif-3301	399	19	markets	market	NOUN
ejif-3301	399	20	:	:	PUNCT
ejif-3301	399	21	when	when	SCONJ
ejif-3301	399	22	nudging	nudging	NOUN
ejif-3301	399	23	hurts	hurt	VERB
ejif-3301	399	24	.	.	PUNCT
ejif-3301	400	1	american	american	PROPN
ejif-3301	400	2	economic	economic	PROPN
ejif-3301	400	3	review	review	PROPN
ejif-3301	400	4	revise	revise	NOUN
ejif-3301	400	5	and	and	CCONJ
ejif-3301	400	6	resubmit	resubmit	VERB
ejif-3301	400	7	.	.	PUNCT
ejif-3301	401	1	[	[	X
ejif-3301	401	2	7	7	NUM
ejif-3301	401	3	]	]	X
ejif-3301	401	4	isma	isma	PROPN
ejif-3301	401	5	,	,	PUNCT
ejif-3301	401	6	r.	r.	PROPN
ejif-3301	401	7	(	(	PUNCT
ejif-3301	401	8	2014	2014	NUM
ejif-3301	401	9	)	)	PUNCT
ejif-3301	401	10	.	.	PUNCT
ejif-3301	402	1	assessing	assess	VERB
ejif-3301	402	2	moral	moral	ADJ
ejif-3301	402	3	hazard	hazard	NOUN
ejif-3301	402	4	problem	problem	NOUN
ejif-3301	402	5	in	in	ADP
ejif-3301	402	6	murabahah	murabahah	NOUN
ejif-3301	402	7	financing	financing	NOUN
ejif-3301	402	8	.	.	PUNCT
ejif-3301	403	1	journal	journal	PROPN
ejif-3301	403	2	of	of	ADP
ejif-3301	403	3	islamic	islamic	ADJ
ejif-3301	403	4	economics	economic	NOUN
ejif-3301	403	5	,	,	PUNCT
ejif-3301	403	6	banking	banking	NOUN
ejif-3301	403	7	and	and	CCONJ
ejif-3301	403	8	finance	finance	NOUN
ejif-3301	403	9	,	,	PUNCT
ejif-3301	403	10	volume-5	volume-5	X
ejif-3301	403	11	number-2	number-2	NUM
ejif-3301	403	12	.	.	PUNCT
ejif-3301	404	1	[	[	X
ejif-3301	404	2	8	8	NUM
ejif-3301	404	3	]	]	SYM
ejif-3301	404	4	j	j	PROPN
ejif-3301	404	5	,	,	PUNCT
ejif-3301	404	6	l.	l.	PROPN
ejif-3301	404	7	(	(	PUNCT
ejif-3301	404	8	2011	2011	NUM
ejif-3301	404	9	)	)	PUNCT
ejif-3301	404	10	.	.	PUNCT
ejif-3301	405	1	measuring	measure	VERB
ejif-3301	405	2	welfare	welfare	NOUN
ejif-3301	405	3	losses	loss	NOUN
ejif-3301	405	4	from	from	ADP
ejif-3301	405	5	adverse	adverse	ADJ
ejif-3301	405	6	selection	selection	NOUN
ejif-3301	405	7	and	and	CCONJ
ejif-3301	405	8	imperfect	imperfect	ADJ
ejif-3301	405	9	competition	competition	NOUN
ejif-3301	405	10	in	in	ADP
ejif-3301	405	11	privatized	privatized	ADJ
ejif-3301	405	12	mediare	mediare	NOUN
ejif-3301	405	13	.	.	PUNCT
ejif-3301	406	1	bostin	bostin	PROPN
ejif-3301	406	2	university	university	PROPN
ejif-3301	406	3	working	working	NOUN
ejif-3301	406	4	paper	paper	NOUN
ejif-3301	406	5	.	.	PUNCT
ejif-3301	407	1	[	[	X
ejif-3301	407	2	9	9	NUM
ejif-3301	407	3	]	]	PUNCT
ejif-3301	407	4	jalaluddin	jalaluddin	NOUN
ejif-3301	407	5	,	,	PUNCT
ejif-3301	407	6	a.	a.	NOUN
ejif-3301	407	7	a.	a.	NOUN
ejif-3301	407	8	(	(	PUNCT
ejif-3301	407	9	1999	1999	NUM
ejif-3301	407	10	)	)	PUNCT
ejif-3301	407	11	.	.	PUNCT
ejif-3301	408	1	prof	prof	NOUN
ejif-3301	408	2	/	/	SYM
ejif-3301	408	3	loss	loss	NOUN
ejif-3301	408	4	sharing	sharing	NOUN
ejif-3301	408	5	:	:	PUNCT
ejif-3301	408	6	an	an	DET
ejif-3301	408	7	alternative	alternative	ADJ
ejif-3301	408	8	method	method	NOUN
ejif-3301	408	9	of	of	ADP
ejif-3301	408	10	nancing	nance	VERB
ejif-3301	408	11	small	small	ADJ
ejif-3301	408	12	business	business	NOUN
ejif-3301	408	13	in	in	ADP
ejif-3301	408	14	australia	australia	PROPN
ejif-3301	408	15	.	.	PUNCT
ejif-3301	409	1	middle	middle	PROPN
ejif-3301	409	2	east	east	PROPN
ejif-3301	409	3	business	business	NOUN
ejif-3301	409	4	and	and	CCONJ
ejif-3301	409	5	economics	economic	NOUN
ejif-3301	409	6	.	.	PUNCT
ejif-3301	410	1	[	[	X
ejif-3301	410	2	10	10	NUM
ejif-3301	410	3	]	]	PUNCT
ejif-3301	410	4	kaouther	kaouther	NOUN
ejif-3301	410	5	jouaber	jouaber	PROPN
ejif-3301	410	6	,	,	PUNCT
ejif-3301	410	7	m.	m.	NOUN
ejif-3301	410	8	m.	m.	NOUN
ejif-3301	410	9	(	(	PUNCT
ejif-3301	410	10	2012	2012	NUM
ejif-3301	410	11	)	)	PUNCT
ejif-3301	410	12	.	.	PUNCT
ejif-3301	411	1	a	a	DET
ejif-3301	411	2	theory	theory	NOUN
ejif-3301	411	3	of	of	ADP
ejif-3301	411	4	profit	profit	NOUN
ejif-3301	411	5	sharing	sharing	NOUN
ejif-3301	411	6	ratio	ratio	NOUN
ejif-3301	411	7	under	under	ADP
ejif-3301	411	8	adverse	adverse	ADJ
ejif-3301	411	9	selection	selection	NOUN
ejif-3301	411	10	:	:	PUNCT
ejif-3301	411	11	.	.	PUNCT
ejif-3301	412	1	[	[	X
ejif-3301	412	2	11	11	NUM
ejif-3301	412	3	]	]	SYM
ejif-3301	412	4	karlan	karlan	NOUN
ejif-3301	412	5	,	,	PUNCT
ejif-3301	412	6	d.	d.	PROPN
ejif-3301	412	7	a.	a.	PROPN
ejif-3301	412	8	(	(	PUNCT
ejif-3301	412	9	2009	2009	NUM
ejif-3301	412	10	)	)	PUNCT
ejif-3301	412	11	.	.	PUNCT
ejif-3301	413	1	identifying	identify	VERB
ejif-3301	413	2	information	information	NOUN
ejif-3301	413	3	asymmetries	asymmetry	NOUN
ejif-3301	413	4	with	with	ADP
ejif-3301	413	5	a	a	DET
ejif-3301	413	6	consumer	consumer	NOUN
ejif-3301	413	7	credit	credit	NOUN
ejif-3301	413	8	field	field	NOUN
ejif-3301	413	9	experiment	experiment	NOUN
ejif-3301	413	10	.	.	PUNCT
ejif-3301	414	1	[	[	X
ejif-3301	414	2	12	12	NUM
ejif-3301	414	3	]	]	X
ejif-3301	414	4	khan	khan	PROPN
ejif-3301	414	5	,	,	PUNCT
ejif-3301	414	6	w.	w.	PROPN
ejif-3301	414	7	m.	m.	PROPN
ejif-3301	414	8	(	(	PUNCT
ejif-3301	414	9	1989	1989	NUM
ejif-3301	414	10	)	)	PUNCT
ejif-3301	414	11	.	.	PUNCT
ejif-3301	415	1	towards	towards	ADP
ejif-3301	415	2	an	an	DET
ejif-3301	415	3	interest	interest	NOUN
ejif-3301	415	4	-free	-free	ADJ
ejif-3301	415	5	islamic	islamic	ADJ
ejif-3301	415	6	economic	economic	ADJ
ejif-3301	415	7	system	system	NOUN
ejif-3301	415	8	.	.	PUNCT
ejif-3301	416	1	jkau	jkau	ADV
ejif-3301	416	2	:	:	PUNCT
ejif-3301	416	3	islam	islam	PROPN
ejif-3301	416	4	economics	economics	PROPN
ejif-3301	416	5	1,3	1,3	NUM
ejif-3301	416	6	-	-	SYM
ejif-3301	416	7	38	38	NUM
ejif-3301	416	8	.	.	PUNCT
ejif-3301	417	1	[	[	X
ejif-3301	417	2	13	13	NUM
ejif-3301	417	3	]	]	SYM
ejif-3301	417	4	lester	lester	NOUN
ejif-3301	417	5	,	,	PUNCT
ejif-3301	417	6	b.	b.	PROPN
ejif-3301	417	7	a.	a.	PROPN
ejif-3301	417	8	(	(	PUNCT
ejif-3301	417	9	2017	2017	NUM
ejif-3301	417	10	)	)	PUNCT
ejif-3301	417	11	.	.	PUNCT
ejif-3301	418	1	screening	screening	NOUN
ejif-3301	418	2	and	and	CCONJ
ejif-3301	418	3	adverse	adverse	ADJ
ejif-3301	418	4	selection	selection	NOUN
ejif-3301	418	5	in	in	ADP
ejif-3301	418	6	frictional	frictional	ADJ
ejif-3301	418	7	markets	market	NOUN
ejif-3301	418	8	.	.	PUNCT
ejif-3301	419	1	journal	journal	NOUN
ejif-3301	419	2	of	of	ADP
ejif-3301	419	3	political	political	ADJ
ejif-3301	419	4	economy	economy	NOUN
ejif-3301	419	5	.	.	PUNCT
ejif-3301	420	1	ejif	ejif	PROPN
ejif-3301	420	2	–	–	PUNCT
ejif-3301	420	3	european	european	PROPN
ejif-3301	420	4	journal	journal	PROPN
ejif-3301	420	5	of	of	ADP
ejif-3301	420	6	islamic	islamic	PROPN
ejif-3301	420	7	finance	finance	PROPN
ejif-3301	420	8	no	no	DET
ejif-3301	420	9	14	14	NUM
ejif-3301	420	10	,	,	PUNCT
ejif-3301	420	11	december	december	PROPN
ejif-3301	420	12	(	(	PUNCT
ejif-3301	420	13	2019	2019	NUM
ejif-3301	420	14	)	)	PUNCT
ejif-3301	421	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	421	2	issn	issn	VERB
ejif-3301	421	3	2421	2421	NUM
ejif-3301	421	4	-	-	SYM
ejif-3301	421	5	2172	2172	NUM
ejif-3301	421	6	14	14	NUM
ejif-3301	421	7	[	[	SYM
ejif-3301	421	8	14	14	NUM
ejif-3301	421	9	]	]	SYM
ejif-3301	421	10	mling	mling	NOUN
ejif-3301	421	11	,	,	PUNCT
ejif-3301	421	12	d.	d.	PROPN
ejif-3301	421	13	k.	k.	PROPN
ejif-3301	421	14	(	(	PUNCT
ejif-3301	421	15	2014	2014	NUM
ejif-3301	421	16	)	)	PUNCT
ejif-3301	421	17	.	.	PUNCT
ejif-3301	422	1	asymmetric	asymmetric	ADJ
ejif-3301	422	2	information	information	NOUN
ejif-3301	422	3	in	in	ADP
ejif-3301	422	4	profit	profit	NOUN
ejif-3301	422	5	and	and	CCONJ
ejif-3301	422	6	loss	loss	NOUN
ejif-3301	422	7	sharing	sharing	NOUN
ejif-3301	422	8	contratcs	contratcs	NOUN
ejif-3301	422	9	.	.	PUNCT
ejif-3301	423	1	[	[	X
ejif-3301	423	2	15	15	NUM
ejif-3301	423	3	]	]	PUNCT
ejif-3301	423	4	o.yousfi	o.yousfi	ADV
ejif-3301	423	5	,	,	PUNCT
ejif-3301	423	6	k.	k.	PROPN
ejif-3301	423	7	s.	s.	PROPN
ejif-3301	423	8	(	(	PUNCT
ejif-3301	423	9	2012	2012	NUM
ejif-3301	423	10	)	)	PUNCT
ejif-3301	423	11	.	.	PUNCT
ejif-3301	424	1	efficency	efficency	NOUN
ejif-3301	424	2	of	of	ADP
ejif-3301	424	3	islamic	islamic	ADJ
ejif-3301	424	4	banks	bank	NOUN
ejif-3301	424	5	in	in	ADP
ejif-3301	424	6	middle	middle	PROPN
ejif-3301	424	7	east	east	PROPN
ejif-3301	424	8	and	and	CCONJ
ejif-3301	424	9	emerging	emerge	VERB
ejif-3301	424	10	counttries	counttrie	NOUN
ejif-3301	424	11	.	.	PUNCT
ejif-3301	425	1	mrpa	mrpa	PROPN
ejif-3301	425	2	working	working	NOUN
ejif-3301	425	3	paper	paper	NOUN
ejif-3301	425	4	.	.	PUNCT
ejif-3301	426	1	[	[	X
ejif-3301	426	2	16	16	NUM
ejif-3301	426	3	]	]	PUNCT
ejif-3301	426	4	safieddine	safieddine	NOUN
ejif-3301	426	5	.	.	PUNCT
ejif-3301	427	1	(	(	PUNCT
ejif-3301	427	2	2009	2009	NUM
ejif-3301	427	3	)	)	PUNCT
ejif-3301	427	4	.	.	PUNCT
ejif-3301	428	1	islamic	islamic	ADJ
ejif-3301	428	2	financial	financial	ADJ
ejif-3301	428	3	institution	institution	NOUN
ejif-3301	428	4	and	and	CCONJ
ejif-3301	428	5	corporate	corporate	ADJ
ejif-3301	428	6	governance	governance	NOUN
ejif-3301	428	7	:	:	PUNCT
ejif-3301	428	8	new	new	ADJ
ejif-3301	428	9	insight	insight	NOUN
ejif-3301	428	10	for	for	ADP
ejif-3301	428	11	agency	agency	NOUN
ejif-3301	428	12	theory	theory	NOUN
ejif-3301	428	13	.	.	PUNCT
ejif-3301	429	1	an	an	DET
ejif-3301	429	2	international	international	ADJ
ejif-3301	429	3	review	review	NOUN
ejif-3301	429	4	17(2	17(2	NUM
ejif-3301	429	5	)	)	PUNCT
ejif-3301	429	6	.	.	PUNCT
ejif-3301	430	1	[	[	X
ejif-3301	430	2	17	17	NUM
ejif-3301	430	3	]	]	PUNCT
ejif-3301	430	4	shatha	shatha	NOUN
ejif-3301	430	5	.	.	PUNCT
ejif-3301	431	1	(	(	PUNCT
ejif-3301	431	2	2014	2014	NUM
ejif-3301	431	3	)	)	PUNCT
ejif-3301	431	4	.	.	PUNCT
ejif-3301	432	1	comparision	comparision	NOUN
ejif-3301	432	2	study	study	NOUN
ejif-3301	432	3	of	of	ADP
ejif-3301	432	4	murbaha	murbaha	NOUN
ejif-3301	432	5	and	and	CCONJ
ejif-3301	432	6	istisna	istisna	NOUN
ejif-3301	432	7	in	in	ADP
ejif-3301	432	8	islamic	islamic	ADJ
ejif-3301	432	9	banking	banking	NOUN
ejif-3301	432	10	in	in	ADP
ejif-3301	432	11	jorden	jorden	PROPN
ejif-3301	432	12	.	.	PUNCT
ejif-3301	433	1	interdisciplinary	interdisciplinary	ADJ
ejif-3301	433	2	journal	journal	PROPN
ejif-3301	433	3	of	of	ADP
ejif-3301	433	4	contemporary	contemporary	ADJ
ejif-3301	433	5	research	research	NOUN
ejif-3301	433	6	in	in	ADP
ejif-3301	433	7	business	business	NOUN
ejif-3301	433	8	.	.	PUNCT
ejif-3301	434	1	[	[	X
ejif-3301	434	2	18	18	NUM
ejif-3301	434	3	]	]	PUNCT
ejif-3301	434	4	stare	stare	NOUN
ejif-3301	434	5	,	,	PUNCT
ejif-3301	434	6	a.	a.	NOUN
ejif-3301	434	7	(	(	PUNCT
ejif-3301	434	8	2012	2012	NUM
ejif-3301	434	9	)	)	PUNCT
ejif-3301	434	10	.	.	PUNCT
ejif-3301	435	1	insurer	insurer	NOUN
ejif-3301	435	2	pricing	pricing	NOUN
ejif-3301	435	3	and	and	CCONJ
ejif-3301	435	4	consumer	consumer	NOUN
ejif-3301	435	5	welfare	welfare	NOUN
ejif-3301	435	6	:	:	PUNCT
ejif-3301	435	7	evidance	evidance	NOUN
ejif-3301	435	8	from	from	ADP
ejif-3301	435	9	medigap	medigap	PROPN
ejif-3301	435	10	.	.	PUNCT
ejif-3301	436	1	the	the	DET
ejif-3301	436	2	wharton	wharton	PROPN
ejif-3301	436	3	school	school	PROPN
ejif-3301	436	4	,	,	PUNCT
ejif-3301	436	5	university	university	PROPN
ejif-3301	436	6	of	of	ADP
ejif-3301	436	7	pennsylvania	pennsylvania	PROPN
ejif-3301	436	8	working	working	PROPN
ejif-3301	436	9	paper	paper	NOUN
ejif-3301	436	10	.	.	PUNCT
ejif-3301	437	1	[	[	X
ejif-3301	437	2	19	19	NUM
ejif-3301	437	3	]	]	X
ejif-3301	437	4	turner	turner	NOUN
ejif-3301	437	5	,	,	PUNCT
ejif-3301	437	6	j.	j.	PROPN
ejif-3301	437	7	b.	b.	PROPN
ejif-3301	437	8	(	(	PUNCT
ejif-3301	437	9	2015	2015	NUM
ejif-3301	437	10	)	)	PUNCT
ejif-3301	437	11	.	.	PUNCT
ejif-3301	438	1	a	a	DET
ejif-3301	438	2	decomposition	decomposition	NOUN
ejif-3301	438	3	of	of	ADP
ejif-3301	438	4	hospital	hospital	NOUN
ejif-3301	438	5	profitibality	profitibality	NOUN
ejif-3301	438	6	:	:	PUNCT
ejif-3301	438	7	an	an	DET
ejif-3301	438	8	application	application	NOUN
ejif-3301	438	9	of	of	ADP
ejif-3301	438	10	duepont	duepont	NOUN
ejif-3301	438	11	analysis	analysis	NOUN
ejif-3301	438	12	to	to	ADP
ejif-3301	438	13	the	the	DET
ejif-3301	438	14	us	us	PROPN
ejif-3301	438	15	market	market	NOUN
ejif-3301	438	16	.	.	PUNCT
ejif-3301	439	1	[	[	X
ejif-3301	439	2	20	20	NUM
ejif-3301	439	3	]	]	X
ejif-3301	439	4	ugo	ugo	PROPN
ejif-3301	439	5	albertazzi	albertazzi	NOUN
ejif-3301	439	6	,	,	PUNCT
ejif-3301	439	7	g.	g.	PROPN
ejif-3301	439	8	e.	e.	PROPN
ejif-3301	439	9	(	(	PUNCT
ejif-3301	439	10	2014	2014	NUM
ejif-3301	439	11	)	)	PUNCT
ejif-3301	439	12	.	.	PUNCT
ejif-3301	440	1	asymmetric	asymmetric	ADJ
ejif-3301	440	2	information	information	NOUN
ejif-3301	440	3	in	in	ADP
ejif-3301	440	4	securtization	securtization	NOUN
ejif-3301	440	5	:	:	PUNCT
ejif-3301	440	6	an	an	DET
ejif-3301	440	7	empirical	empirical	ADJ
ejif-3301	440	8	assessment	assessment	NOUN
ejif-3301	440	9	.	.	PUNCT
ejif-3301	441	1	journal	journal	NOUN
ejif-3301	441	2	of	of	ADP
ejif-3301	441	3	monetrary	monetrary	ADJ
ejif-3301	441	4	economics	economic	NOUN
ejif-3301	441	5	.	.	PUNCT
ejif-3301	442	1	[	[	X
ejif-3301	442	2	21	21	NUM
ejif-3301	442	3	]	]	SYM
ejif-3301	442	4	weiss	weiss	PROPN
ejif-3301	442	5	,	,	PUNCT
ejif-3301	442	6	s.	s.	PROPN
ejif-3301	442	7	j.	j.	PROPN
ejif-3301	442	8	(	(	PUNCT
ejif-3301	442	9	1981	1981	NUM
ejif-3301	442	10	)	)	PUNCT
ejif-3301	442	11	.	.	PUNCT
ejif-3301	443	1	credit	credit	NOUN
ejif-3301	443	2	rationing	ration	VERB
ejif-3301	443	3	in	in	ADP
ejif-3301	443	4	markets	market	NOUN
ejif-3301	443	5	with	with	ADP
ejif-3301	443	6	imperfect	imperfect	ADJ
ejif-3301	443	7	information	information	NOUN
ejif-3301	443	8	.	.	PUNCT
ejif-3301	444	1	american	american	ADJ
ejif-3301	444	2	economic	economic	PROPN
ejif-3301	444	3	review	review	PROPN
ejif-3301	444	4	.	.	PUNCT
ejif-3301	445	1	[	[	X
ejif-3301	445	2	22	22	NUM
ejif-3301	445	3	]	]	PUNCT
ejif-3301	445	4	yousfi	yousfi	NOUN
ejif-3301	445	5	.	.	PUNCT
ejif-3301	446	1	(	(	PUNCT
ejif-3301	446	2	2013	2013	NUM
ejif-3301	446	3	)	)	PUNCT
ejif-3301	446	4	.	.	PUNCT
ejif-3301	447	1	mudarab	mudarab	PROPN
ejif-3301	447	2	contract	contract	PROPN
ejif-3301	447	3	.	.	PUNCT
ejif-3301	448	1	journa	journa	PROPN
ejif-3301	448	2	of	of	ADP
ejif-3301	448	3	king	king	PROPN
ejif-3301	448	4	abdul	abdul	PROPN
ejif-3301	448	5	aziz	aziz	PROPN
ejif-3301	448	6	university	university	PROPN
ejif-3301	448	7	.	.	PUNCT
ejif-3301	449	1	[	[	X
ejif-3301	449	2	23	23	NUM
ejif-3301	449	3	]	]	X
ejif-3301	449	4	yousfi	yousfi	NOUN
ejif-3301	449	5	.	.	PUNCT
ejif-3301	450	1	(	(	PUNCT
ejif-3301	450	2	2018	2018	NUM
ejif-3301	450	3	)	)	PUNCT
ejif-3301	450	4	.	.	PUNCT
ejif-3301	451	1	asymmetric	asymmetric	ADJ
ejif-3301	451	2	information	information	NOUN
ejif-3301	451	3	and	and	CCONJ
ejif-3301	451	4	islamic	islamic	ADJ
ejif-3301	451	5	financial	financial	ADJ
ejif-3301	451	6	contracts	contract	NOUN
ejif-3301	451	7	.	.	PUNCT
ejif-3301	452	1	international	international	ADJ
ejif-3301	452	2	journal	journal	PROPN
ejif-3301	452	3	of	of	ADP
ejif-3301	452	4	economics	economic	NOUN
ejif-3301	452	5	and	and	CCONJ
ejif-3301	452	6	finance	finance	NOUN
ejif-3301	452	7	.	.	PUNCT
ejif-3301	453	1	[	[	X
ejif-3301	453	2	24	24	NUM
ejif-3301	453	3	]	]	X
ejif-3301	453	4	paolo	paolo	PROPN
ejif-3301	453	5	pietro	pietro	PROPN
ejif-3301	453	6	biancone	biancone	PROPN
ejif-3301	453	7	and	and	CCONJ
ejif-3301	453	8	maha	maha	PROPN
ejif-3301	453	9	radwan	radwan	PROPN
ejif-3301	453	10	(	(	PUNCT
ejif-3301	453	11	2018	2018	NUM
ejif-3301	453	12	)	)	PUNCT
ejif-3301	453	13	social	social	ADJ
ejif-3301	453	14	finance	finance	NOUN
ejif-3301	453	15	and	and	CCONJ
ejif-3301	453	16	unconventional	unconventional	ADJ
ejif-3301	453	17	financing	financing	NOUN
ejif-3301	453	18	alternatives	alternative	NOUN
ejif-3301	453	19	an	an	DET
ejif-3301	453	20	overview	overview	NOUN
ejif-3301	453	21	.	.	PUNCT
ejif-3301	454	1	european	european	ADJ
ejif-3301	454	2	journal	journal	PROPN
ejif-3301	454	3	of	of	ADP
ejif-3301	454	4	islamic	islamic	PROPN
ejif-3301	454	5	finance	finance	PROPN
ejif-3301	454	6	ejif	ejif	PROPN
ejif-3301	454	7	–	–	PUNCT
ejif-3301	454	8	european	european	PROPN
ejif-3301	454	9	journal	journal	PROPN
ejif-3301	454	10	of	of	ADP
ejif-3301	454	11	islamic	islamic	PROPN
ejif-3301	454	12	finance	finance	PROPN
ejif-3301	454	13	no	no	DET
ejif-3301	454	14	14	14	NUM
ejif-3301	454	15	,	,	PUNCT
ejif-3301	454	16	december	december	PROPN
ejif-3301	454	17	(	(	PUNCT
ejif-3301	454	18	2019	2019	NUM
ejif-3301	454	19	)	)	PUNCT
ejif-3301	455	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	455	2	issn	issn	VERB
ejif-3301	455	3	2421	2421	NUM
ejif-3301	455	4	-	-	SYM
ejif-3301	455	5	2172	2172	NUM
ejif-3301	455	6	15	15	NUM
ejif-3301	455	7	table	table	NOUN
ejif-3301	455	8	3	3	NUM
ejif-3301	455	9	:	:	PUNCT
ejif-3301	455	10	descriptive	descriptive	ADJ
ejif-3301	455	11	statistic	statistic	NOUN
ejif-3301	455	12	(	(	PUNCT
ejif-3301	455	13	murabaha	murabaha	NOUN
ejif-3301	455	14	financing	financing	NOUN
ejif-3301	455	15	)	)	PUNCT
ejif-3301	455	16	da	da	NOUN
ejif-3301	455	17	spred	spre	VERB
ejif-3301	455	18	pr	pr	NOUN
ejif-3301	455	19	tenor	tenor	NOUN
ejif-3301	455	20	pm	pm	NOUN
ejif-3301	455	21	tat	tat	VERB
ejif-3301	455	22	em	em	PRON
ejif-3301	455	23	fat	fat	PROPN
ejif-3301	455	24	roa	roa	PROPN
ejif-3301	455	25	icr	icr	PROPN
ejif-3301	455	26	mean	mean	VERB
ejif-3301	455	27	4868653	4868653	NUM
ejif-3301	455	28	0.022594	0.022594	NUM
ejif-3301	455	29	0.096346	0.096346	NUM
ejif-3301	455	30	148.2762	148.2762	NUM
ejif-3301	455	31	0.209546	0.209546	NUM
ejif-3301	455	32	5.271286	5.271286	NUM
ejif-3301	455	33	1.690048	1.690048	NUM
ejif-3301	455	34	83.51522	83.51522	NUM
ejif-3301	455	35	0.466732	0.466732	NUM
ejif-3301	455	36	0.838144	0.838144	NUM
ejif-3301	455	37	median	median	NOUN
ejif-3301	455	38	2000000	2000000	NUM
ejif-3301	455	39	0.0225	0.0225	NUM
ejif-3301	455	40	0.0868	0.0868	NUM
ejif-3301	455	41	178	178	NUM
ejif-3301	455	42	0.0699	0.0699	NUM
ejif-3301	455	43	3.50137	3.50137	NUM
ejif-3301	455	44	1.2189	1.2189	NUM
ejif-3301	455	45	15.76127	15.76127	NUM
ejif-3301	455	46	0.2241	0.2241	NUM
ejif-3301	455	47	0.2659	0.2659	NUM
ejif-3301	455	48	maximum	maximum	ADJ
ejif-3301	455	49	25000000	25000000	NUM
ejif-3301	455	50	0.0565	0.0565	NUM
ejif-3301	455	51	0.951	0.951	NUM
ejif-3301	455	52	270	270	NUM
ejif-3301	455	53	7.51657	7.51657	NUM
ejif-3301	455	54	71.40822	71.40822	NUM
ejif-3301	455	55	7.80021	7.80021	NUM
ejif-3301	455	56	964.8595	964.8595	NUM
ejif-3301	455	57	10.1659	10.1659	NUM
ejif-3301	455	58	10.705	10.705	NUM
ejif-3301	455	59	minimum	minimum	NOUN
ejif-3301	455	60	125000	125000	NUM
ejif-3301	455	61	0.01	0.01	NUM
ejif-3301	455	62	0.0716	0.0716	NUM
ejif-3301	455	63	1	1	NUM
ejif-3301	455	64	0.00271	0.00271	NUM
ejif-3301	455	65	0.08189	0.08189	NUM
ejif-3301	455	66	0.16777	0.16777	NUM
ejif-3301	455	67	0.1108	0.1108	NUM
ejif-3301	455	68	0.0162	0.0162	NUM
ejif-3301	455	69	0.0175	0.0175	NUM
ejif-3301	455	70	std	std	NOUN
ejif-3301	455	71	.	.	PUNCT
ejif-3301	455	72	dev	dev	PROPN
ejif-3301	455	73	.	.	PUNCT
ejif-3301	456	1	6570561	6570561	NUM
ejif-3301	457	1	0.011326	0.011326	NUM
ejif-3301	457	2	0.084895	0.084895	NUM
ejif-3301	457	3	62.0977	62.0977	NUM
ejif-3301	457	4	0.749522	0.749522	NUM
ejif-3301	457	5	7.606361	7.606361	NUM
ejif-3301	457	6	1.384871	1.384871	NUM
ejif-3301	457	7	189.9784	189.9784	NUM
ejif-3301	457	8	1.091595	1.091595	NUM
ejif-3301	457	9	2.256208	2.256208	NUM
ejif-3301	457	10	skewness	skewness	NOUN
ejif-3301	457	11	2.020009	2.020009	NUM
ejif-3301	457	12	0.769974	0.769974	NUM
ejif-3301	457	13	9.853098	9.853098	NUM
ejif-3301	457	14	-0.12034	-0.12034	NOUN
ejif-3301	457	15	9.009218	9.009218	NUM
ejif-3301	457	16	6.442254	6.442254	NUM
ejif-3301	457	17	1.917884	1.917884	NUM
ejif-3301	457	18	3.324476	3.324476	NUM
ejif-3301	457	19	7.216809	7.216809	NUM
ejif-3301	457	20	4.027875	4.027875	NUM
ejif-3301	457	21	kurtosis	kurtosis	VERB
ejif-3301	457	22	6.113479	6.113479	NUM
ejif-3301	457	23	3.37444	3.37444	NUM
ejif-3301	457	24	99.71429	99.71429	NUM
ejif-3301	457	25	2.15708	2.15708	NUM
ejif-3301	457	26	87.78951	87.78951	NUM
ejif-3301	457	27	55.70852	55.70852	NUM
ejif-3301	457	28	6.847657	6.847657	NUM
ejif-3301	457	29	13.60189	13.60189	NUM
ejif-3301	457	30	61.89783	61.89783	NUM
ejif-3301	457	31	17.7666	17.7666	NUM
ejif-3301	457	32	jarque	jarque	NOUN
ejif-3301	457	33	-	-	PUNCT
ejif-3301	457	34	bera	bera	NOUN
ejif-3301	457	35	113.8178	113.8178	NUM
ejif-3301	457	36	10.98845	10.98845	NUM
ejif-3301	457	37	42621.19	42621.19	NUM
ejif-3301	457	38	3.361932	3.361932	NUM
ejif-3301	457	39	32873.42	32873.42	NUM
ejif-3301	457	40	12880.87	12880.87	NUM
ejif-3301	457	41	129.1394	129.1394	NUM
ejif-3301	457	42	685.163	685.163	NUM
ejif-3301	457	43	16088.12	16088.12	NUM
ejif-3301	457	44	1237.896	1237.896	NUM
ejif-3301	457	45	probability	probability	NOUN
ejif-3301	457	46	0	0	NUM
ejif-3301	457	47	0.00411	0.00411	NUM
ejif-3301	457	48	0	0	NUM
ejif-3301	458	1	0.186194	0.186194	NUM
ejif-3301	458	2	0	0	NUM
ejif-3301	458	3	0	0	NUM
ejif-3301	458	4	0	0	NUM
ejif-3301	458	5	0	0	NUM
ejif-3301	458	6	0	0	NUM
ejif-3301	458	7	0	0	NUM
ejif-3301	458	8	observations	observation	NOUN
ejif-3301	458	9	105	105	NUM
ejif-3301	458	10	105	105	NUM
ejif-3301	458	11	105	105	NUM
ejif-3301	458	12	105	105	NUM
ejif-3301	458	13	105	105	NUM
ejif-3301	458	14	105	105	NUM
ejif-3301	458	15	105	105	NUM
ejif-3301	458	16	105	105	NUM
ejif-3301	458	17	105	105	NUM
ejif-3301	458	18	105	105	NUM
ejif-3301	458	19	table	table	NOUN
ejif-3301	458	20	4	4	NUM
ejif-3301	458	21	:	:	PUNCT
ejif-3301	458	22	descriptive	descriptive	ADJ
ejif-3301	458	23	statistic	statistic	NOUN
ejif-3301	458	24	(	(	PUNCT
ejif-3301	458	25	istisna	istisna	NOUN
ejif-3301	458	26	financing	financing	NOUN
ejif-3301	458	27	)	)	PUNCT
ejif-3301	458	28	da	da	NOUN
ejif-3301	458	29	spread	spread	VERB
ejif-3301	458	30	pr	pr	NOUN
ejif-3301	458	31	tenor	tenor	NOUN
ejif-3301	458	32	pm	pm	NOUN
ejif-3301	458	33	tat	tat	VERB
ejif-3301	458	34	em	em	PRON
ejif-3301	458	35	fat	fat	PROPN
ejif-3301	458	36	roa	roa	PROPN
ejif-3301	458	37	icr	icr	PROPN
ejif-3301	458	38	mean	mean	PROPN
ejif-3301	458	39	11337259	11337259	NUM
ejif-3301	458	40	0.020625	0.020625	NUM
ejif-3301	458	41	0.096258	0.096258	NUM
ejif-3301	458	42	114.1667	114.1667	NUM
ejif-3301	458	43	0.094464	0.094464	NUM
ejif-3301	458	44	3.820821	3.820821	NUM
ejif-3301	458	45	2.981174	2.981174	NUM
ejif-3301	458	46	190.9057	190.9057	NUM
ejif-3301	458	47	0.265353	0.265353	NUM
ejif-3301	458	48	0.315242	0.315242	NUM
ejif-3301	458	49	median	median	NOUN
ejif-3301	458	50	11292534	11292534	NUM
ejif-3301	458	51	0.0225	0.0225	NUM
ejif-3301	458	52	0.0938	0.0938	NUM
ejif-3301	458	53	90	90	NUM
ejif-3301	458	54	0.0583	0.0583	NUM
ejif-3301	458	55	2.839515	2.839515	NUM
ejif-3301	458	56	0.991115	0.991115	NUM
ejif-3301	458	57	19.61888	19.61888	NUM
ejif-3301	458	58	0.1969	0.1969	NUM
ejif-3301	458	59	0.16465	0.16465	NUM
ejif-3301	458	60	maximum	maximum	NOUN
ejif-3301	458	61	29583360	29583360	NUM
ejif-3301	458	62	0.03	0.03	NUM
ejif-3301	458	63	0.1159	0.1159	NUM
ejif-3301	458	64	180	180	NUM
ejif-3301	458	65	0.39321	0.39321	NUM
ejif-3301	458	66	13.11266	13.11266	NUM
ejif-3301	458	67	64.71127	64.71127	NUM
ejif-3301	458	68	1939.676	1939.676	NUM
ejif-3301	458	69	1.4742	1.4742	NUM
ejif-3301	458	70	2.5346	2.5346	NUM
ejif-3301	458	71	minimum	minimum	NOUN
ejif-3301	458	72	1160430	1160430	NUM
ejif-3301	458	73	0.01	0.01	NUM
ejif-3301	459	1	0.0721	0.0721	NUM
ejif-3301	459	2	60	60	NUM
ejif-3301	459	3	0.0001	0.0001	NUM
ejif-3301	459	4	0.25657	0.25657	NUM
ejif-3301	459	5	0.15068	0.15068	NUM
ejif-3301	459	6	1.22244	1.22244	NUM
ejif-3301	459	7	0.0007	0.0007	NUM
ejif-3301	459	8	0.0175	0.0175	NUM
ejif-3301	459	9	std	std	NOUN
ejif-3301	459	10	.	.	PUNCT
ejif-3301	459	11	dev	dev	PROPN
ejif-3301	459	12	.	.	PUNCT
ejif-3301	460	1	7775263	7775263	NUM
ejif-3301	460	2	0.007328	0.007328	NUM
ejif-3301	460	3	0.012527	0.012527	NUM
ejif-3301	460	4	47.29089	47.29089	NUM
ejif-3301	461	1	0.100509	0.100509	NUM
ejif-3301	461	2	2.861496	2.861496	NUM
ejif-3301	461	3	10.65358	10.65358	NUM
ejif-3301	461	4	447.9905	447.9905	NUM
ejif-3301	461	5	0.285906	0.285906	NUM
ejif-3301	461	6	0.453498	0.453498	NUM
ejif-3301	461	7	skewness	skewness	NOUN
ejif-3301	461	8	0.816737	0.816737	NUM
ejif-3301	461	9	-0.24978	-0.24978	NOUN
ejif-3301	461	10	-0.03201	-0.03201	VERB
ejif-3301	461	11	0.317256	0.317256	NUM
ejif-3301	462	1	1.71419	1.71419	NUM
ejif-3301	462	2	1.250137	1.250137	NUM
ejif-3301	462	3	5.631386	5.631386	NUM
ejif-3301	462	4	2.87391	2.87391	NUM
ejif-3301	462	5	2.580821	2.580821	NUM
ejif-3301	462	6	3.585734	3.585734	NUM
ejif-3301	462	7	kurtosis	kurtosis	VERB
ejif-3301	462	8	3.347564	3.347564	NUM
ejif-3301	462	9	1.881462	1.881462	NUM
ejif-3301	462	10	2.319252	2.319252	NUM
ejif-3301	462	11	1.509492	1.509492	NUM
ejif-3301	462	12	4.874004	4.874004	NUM
ejif-3301	462	13	4.402553	4.402553	NUM
ejif-3301	462	14	33.1287	33.1287	NUM
ejif-3301	462	15	10.38909	10.38909	NUM
ejif-3301	462	16	10.61087	10.61087	NUM
ejif-3301	462	17	17.36472	17.36472	NUM
ejif-3301	462	18	jarque	jarque	NOUN
ejif-3301	462	19	-	-	PUNCT
ejif-3301	462	20	bera	bera	NOUN
ejif-3301	463	1	4.183553	4.183553	NUM
ejif-3301	463	2	2.251022	2.251022	NUM
ejif-3301	463	3	0.701275	0.701275	NUM
ejif-3301	463	4	3.936327	3.936327	NUM
ejif-3301	463	5	22.89852	22.89852	NUM
ejif-3301	463	6	12.32779	12.32779	NUM
ejif-3301	463	7	1551.883	1551.883	NUM
ejif-3301	463	8	131.4541	131.4541	NUM
ejif-3301	463	9	126.8519	126.8519	NUM
ejif-3301	463	10	386.6626	386.6626	NUM
ejif-3301	463	11	probability	probability	NOUN
ejif-3301	463	12	0.123468	0.123468	NUM
ejif-3301	463	13	0.324487	0.324487	NUM
ejif-3301	463	14	0.704239	0.704239	NUM
ejif-3301	463	15	0.139713	0.139713	NUM
ejif-3301	463	16	0.000011	0.000011	NUM
ejif-3301	463	17	0.002104	0.002104	NUM
ejif-3301	463	18	0	0	NUM
ejif-3301	463	19	0	0	NUM
ejif-3301	463	20	0	0	NUM
ejif-3301	463	21	0	0	NUM
ejif-3301	464	1	observations	observation	NOUN
ejif-3301	464	2	36	36	NUM
ejif-3301	464	3	36	36	NUM
ejif-3301	464	4	36	36	NUM
ejif-3301	464	5	36	36	NUM
ejif-3301	464	6	36	36	NUM
ejif-3301	464	7	36	36	NUM
ejif-3301	464	8	36	36	NUM
ejif-3301	464	9	36	36	NUM
ejif-3301	464	10	36	36	NUM
ejif-3301	464	11	36	36	NUM
ejif-3301	464	12	table	table	NOUN
ejif-3301	464	13	5	5	NUM
ejif-3301	464	14	:	:	PUNCT
ejif-3301	464	15	t	t	NOUN
ejif-3301	464	16	-	-	PUNCT
ejif-3301	464	17	test	test	NOUN
ejif-3301	464	18	:	:	PUNCT
ejif-3301	464	19	two	two	NUM
ejif-3301	464	20	-	-	PUNCT
ejif-3301	464	21	sample	sample	NOUN
ejif-3301	464	22	assuming	assume	VERB
ejif-3301	464	23	unequal	unequal	ADJ
ejif-3301	464	24	variances	variance	NOUN
ejif-3301	464	25	mean	mean	VERB
ejif-3301	464	26	variance	variance	NOUN
ejif-3301	464	27	t	t	PROPN
ejif-3301	464	28	stat	stat	PROPN
ejif-3301	464	29	p	p	PROPN
ejif-3301	464	30	value	value	NOUN
ejif-3301	464	31	(	(	PUNCT
ejif-3301	464	32	two	two	NUM
ejif-3301	464	33	-	-	PUNCT
ejif-3301	464	34	tail	tail	NOUN
ejif-3301	464	35	)	)	PUNCT
ejif-3301	464	36	disbursed	disburse	VERB
ejif-3301	464	37	amount	amount	NOUN
ejif-3301	464	38	murabaha	murabaha	NOUN
ejif-3301	464	39	4868652.95	4868652.95	NUM
ejif-3301	464	40	4.317e+13	4.317e+13	NUM
ejif-3301	464	41	-4.473934	-4.473934	NOUN
ejif-3301	464	42	4.098e-05	4.098e-05	NUM
ejif-3301	464	43	tigara	tigara	NOUN
ejif-3301	464	44	/	/	SYM
ejif-3301	464	45	istisna	istisna	NOUN
ejif-3301	464	46	11337259.25	11337259.25	NUM
ejif-3301	464	47	6.045e+13	6.045e+13	NUM
ejif-3301	464	48	spread	spread	VERB
ejif-3301	464	49	murabaha	murabaha	NOUN
ejif-3301	465	1	0.022592143	0.022592143	VERB
ejif-3301	465	2	0.0001283	0.0001283	NUM
ejif-3301	465	3	1.1941622	1.1941622	NUM
ejif-3301	465	4	0.2354193	0.2354193	NUM
ejif-3301	465	5	tigara	tigara	NOUN
ejif-3301	465	6	/	/	SYM
ejif-3301	465	7	istisna	istisna	NOUN
ejif-3301	465	8	0.020625	0.020625	NUM
ejif-3301	465	9	5.371e-05	5.371e-05	NUM
ejif-3301	465	10	profit	profit	NOUN
ejif-3301	465	11	rate	rate	NOUN
ejif-3301	465	12	%	%	NOUN
ejif-3301	465	13	murabaha	murabaha	NOUN
ejif-3301	465	14	0.096345714	0.096345714	NUM
ejif-3301	465	15	0.0072072	0.0072072	NUM
ejif-3301	465	16	0.0102272	0.0102272	NUM
ejif-3301	465	17	0.9918576	0.9918576	NUM
ejif-3301	465	18	tigara	tigara	NOUN
ejif-3301	465	19	/	/	SYM
ejif-3301	465	20	istisna	istisna	NOUN
ejif-3301	465	21	0.096258333	0.096258333	NUM
ejif-3301	465	22	0.0001569	0.0001569	NUM
ejif-3301	465	23	tenor	tenor	NOUN
ejif-3301	465	24	murabaha	murabaha	NOUN
ejif-3301	465	25	148.2761905	148.2761905	NUM
ejif-3301	466	1	3856.1249	3856.1249	NUM
ejif-3301	466	2	3.4307706	3.4307706	NUM
ejif-3301	466	3	0.0009599	0.0009599	NUM
ejif-3301	466	4	tigara	tigara	PROPN
ejif-3301	466	5	/	/	SYM
ejif-3301	466	6	istisna	istisna	PROPN
ejif-3301	466	7	114.1666667	114.1666667	NUM
ejif-3301	466	8	2236.4286	2236.4286	NOUN
ejif-3301	466	9	profit	profit	NOUN
ejif-3301	466	10	margin	margin	NOUN
ejif-3301	466	11	murabaha	murabaha	NOUN
ejif-3301	466	12	0.20954618	0.20954618	NUM
ejif-3301	466	13	0.5617825	0.5617825	NUM
ejif-3301	466	14	1.5336053	1.5336053	NUM
ejif-3301	466	15	0.1278974	0.1278974	NUM
ejif-3301	466	16	tigara	tigara	PROPN
ejif-3301	466	17	/	/	SYM
ejif-3301	466	18	istisna	istisna	PROPN
ejif-3301	466	19	0.094465318	0.094465318	NUM
ejif-3301	466	20	0.0101018	0.0101018	NUM
ejif-3301	466	21	total	total	ADJ
ejif-3301	466	22	assets	asset	NOUN
ejif-3301	466	23	turnover	turnover	NOUN
ejif-3301	466	24	murabaha	murabaha	VERB
ejif-3301	466	25	5.27128662	5.27128662	NUM
ejif-3301	466	26	57.856728	57.856728	NUM
ejif-3301	466	27	1.6439478	1.6439478	NUM
ejif-3301	466	28	0.1024633	0.1024633	NUM
ejif-3301	466	29	tigara	tigara	PROPN
ejif-3301	466	30	/	/	SYM
ejif-3301	466	31	istisna	istisna	PROPN
ejif-3301	466	32	3.820820235	3.820820235	NUM
ejif-3301	466	33	8.1881596	8.1881596	NUM
ejif-3301	466	34	equity	equity	NOUN
ejif-3301	466	35	multiplier	multipli	ADJ
ejif-3301	466	36	murabaha	murabaha	NOUN
ejif-3301	466	37	1.690048252	1.690048252	NUM
ejif-3301	466	38	1.9178672	1.9178672	NUM
ejif-3301	466	39	-0.725054	-0.725054	NOUN
ejif-3301	467	1	0.473239	0.473239	NUM
ejif-3301	467	2	tigara	tigara	PROPN
ejif-3301	467	3	/	/	SYM
ejif-3301	467	4	istisna	istisna	NOUN
ejif-3301	467	5	2.98117466	2.98117466	NUM
ejif-3301	467	6	113.49866	113.49866	NUM
ejif-3301	467	7	fixed	fix	VERB
ejif-3301	467	8	asset	asset	NOUN
ejif-3301	467	9	turnover	turnover	NOUN
ejif-3301	467	10	murabaha	murabaha	NOUN
ejif-3301	467	11	83.51521608	83.51521608	NUM
ejif-3301	467	12	36091.792	36091.792	NUM
ejif-3301	467	13	-1.395906	-1.395906	NOUN
ejif-3301	467	14	0.1706391	0.1706391	NUM
ejif-3301	467	15	tigara	tigara	X
ejif-3301	467	16	/	/	SYM
ejif-3301	467	17	istisna	istisna	PROPN
ejif-3301	467	18	190.9057377	190.9057377	NUM
ejif-3301	467	19	200695.48	200695.48	NUM
ejif-3301	467	20	return	return	NOUN
ejif-3301	467	21	on	on	ADP
ejif-3301	467	22	assets	asset	NOUN
ejif-3301	467	23	murabaha	murabaha	VERB
ejif-3301	467	24	0.466730561	0.466730561	NUM
ejif-3301	468	1	1.1915714	1.1915714	NUM
ejif-3301	468	2	1.7256025	1.7256025	NUM
ejif-3301	468	3	0.0867241	0.0867241	NUM
ejif-3301	468	4	tigara	tigara	NOUN
ejif-3301	468	5	/	/	SYM
ejif-3301	468	6	istisna	istisna	NOUN
ejif-3301	468	7	0.265352763	0.265352763	NUM
ejif-3301	468	8	0.0817412	0.0817412	NUM
ejif-3301	468	9	interest	interest	NOUN
ejif-3301	468	10	coverage	coverage	NOUN
ejif-3301	468	11	ratio	ratio	NOUN
ejif-3301	468	12	murabaha	murabaha	NOUN
ejif-3301	468	13	0.83814381	0.83814381	NUM
ejif-3301	468	14	5.0904723	5.0904723	NUM
ejif-3301	468	15	2.246192	2.246192	NUM
ejif-3301	468	16	0.0264473	0.0264473	NUM
ejif-3301	468	17	ejif	ejif	PROPN
ejif-3301	468	18	–	–	PUNCT
ejif-3301	468	19	european	european	ADJ
ejif-3301	468	20	journal	journal	PROPN
ejif-3301	468	21	of	of	ADP
ejif-3301	468	22	islamic	islamic	PROPN
ejif-3301	468	23	finance	finance	PROPN
ejif-3301	468	24	no	no	DET
ejif-3301	468	25	14	14	NUM
ejif-3301	468	26	,	,	PUNCT
ejif-3301	468	27	december	december	PROPN
ejif-3301	468	28	(	(	PUNCT
ejif-3301	468	29	2019	2019	NUM
ejif-3301	468	30	)	)	PUNCT
ejif-3301	469	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	469	2	issn	issn	VERB
ejif-3301	469	3	2421	2421	NUM
ejif-3301	469	4	-	-	SYM
ejif-3301	469	5	2172	2172	NUM
ejif-3301	469	6	16	16	NUM
ejif-3301	469	7	tigara	tigara	NOUN
ejif-3301	469	8	/	/	SYM
ejif-3301	469	9	istisna	istisna	NOUN
ejif-3301	469	10	0.315241667	0.315241667	NUM
ejif-3301	469	11	0.2056607	0.2056607	NUM
ejif-3301	469	12	table	table	NOUN
ejif-3301	469	13	6	6	NUM
ejif-3301	469	14	:	:	PUNCT
ejif-3301	469	15	correlations	correlation	NOUN
ejif-3301	469	16	(	(	PUNCT
ejif-3301	469	17	murabaha	murabaha	NOUN
ejif-3301	469	18	financing	financing	NOUN
ejif-3301	469	19	)	)	PUNCT
ejif-3301	469	20	da	da	NOUN
ejif-3301	469	21	spread	spread	VERB
ejif-3301	469	22	pr	pr	NOUN
ejif-3301	469	23	tenor	tenor	NOUN
ejif-3301	469	24	pm	pm	NOUN
ejif-3301	469	25	tat	tat	VERB
ejif-3301	469	26	em	em	PRON
ejif-3301	469	27	fat	fat	PROPN
ejif-3301	469	28	roa	roa	PROPN
ejif-3301	470	1	icr	icr	PROPN
ejif-3301	470	2	da	da	PROPN
ejif-3301	470	3	1	1	NUM
ejif-3301	470	4	spread	spread	VERB
ejif-3301	470	5	-0.27472	-0.27472	NOUN
ejif-3301	470	6	1	1	NUM
ejif-3301	470	7	pr	pr	NOUN
ejif-3301	470	8	-0.09311	-0.09311	NOUN
ejif-3301	470	9	0.092426	0.092426	NUM
ejif-3301	470	10	1	1	NUM
ejif-3301	470	11	tenor	tenor	NOUN
ejif-3301	470	12	-0.01075	-0.01075	NOUN
ejif-3301	470	13	-0.0843	-0.0843	NOUN
ejif-3301	471	1	0.042247	0.042247	NUM
ejif-3301	471	2	1	1	NUM
ejif-3301	471	3	pm	pm	NOUN
ejif-3301	471	4	0.031218	0.031218	NUM
ejif-3301	471	5	-0.12306	-0.12306	NOUN
ejif-3301	471	6	0.009017	0.009017	NUM
ejif-3301	471	7	0.082282	0.082282	NUM
ejif-3301	471	8	1	1	NUM
ejif-3301	471	9	tat	tat	NOUN
ejif-3301	471	10	-0.08757	-0.08757	NOUN
ejif-3301	471	11	0.116757	0.116757	NUM
ejif-3301	471	12	-0.03406	-0.03406	ADJ
ejif-3301	471	13	-0.06473	-0.06473	NOUN
ejif-3301	471	14	-0.11296	-0.11296	NOUN
ejif-3301	471	15	1	1	NUM
ejif-3301	471	16	em	em	PRON
ejif-3301	471	17	0.249122	0.249122	NUM
ejif-3301	471	18	-0.00623	-0.00623	NOUN
ejif-3301	471	19	-0.04887	-0.04887	VERB
ejif-3301	471	20	-0.17097	-0.17097	PROPN
ejif-3301	472	1	0.131437	0.131437	NUM
ejif-3301	472	2	-0.27927	-0.27927	VERB
ejif-3301	472	3	1	1	NUM
ejif-3301	472	4	fat	fat	NOUN
ejif-3301	472	5	-0.14753	-0.14753	NOUN
ejif-3301	472	6	0.001317	0.001317	NUM
ejif-3301	472	7	-0.04144	-0.04144	NOUN
ejif-3301	472	8	-0.07998	-0.07998	PART
ejif-3301	473	1	-0.08376	-0.08376	NOUN
ejif-3301	473	2	0.27007	0.27007	NUM
ejif-3301	473	3	-0.08386	-0.08386	NOUN
ejif-3301	473	4	1	1	NUM
ejif-3301	473	5	roa	roa	NOUN
ejif-3301	473	6	0.022575	0.022575	NUM
ejif-3301	473	7	-0.11195	-0.11195	NOUN
ejif-3301	473	8	-0.00483	-0.00483	NOUN
ejif-3301	474	1	0.140907	0.140907	NUM
ejif-3301	474	2	0.92926	0.92926	NUM
ejif-3301	474	3	-0.00232	-0.00232	NOUN
ejif-3301	474	4	-0.00657	-0.00657	PART
ejif-3301	474	5	-0.06791	-0.06791	NOUN
ejif-3301	474	6	1	1	NUM
ejif-3301	474	7	icr	icr	PROPN
ejif-3301	474	8	-0.06703	-0.06703	NOUN
ejif-3301	474	9	0.081098	0.081098	NUM
ejif-3301	474	10	-0.00194	-0.00194	NOUN
ejif-3301	474	11	-0.15856	-0.15856	NOUN
ejif-3301	474	12	-0.05555	-0.05555	NOUN
ejif-3301	475	1	-0.02268	-0.02268	PROPN
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ejif-3301	475	3	0.342279	0.342279	NUM
ejif-3301	475	4	-0.04688	-0.04688	NOUN
ejif-3301	475	5	1	1	NUM
ejif-3301	475	6	table	table	NOUN
ejif-3301	475	7	7	7	NUM
ejif-3301	475	8	:	:	PUNCT
ejif-3301	475	9	correlations	correlation	NOUN
ejif-3301	475	10	(	(	PUNCT
ejif-3301	475	11	istisna	istisna	NOUN
ejif-3301	475	12	financing	financing	NOUN
ejif-3301	475	13	)	)	PUNCT
ejif-3301	475	14	da	da	NOUN
ejif-3301	475	15	spread	spread	VERB
ejif-3301	475	16	pr	pr	NOUN
ejif-3301	475	17	tenor	tenor	NOUN
ejif-3301	476	1	pm	pm	NOUN
ejif-3301	476	2	tat	tat	VERB
ejif-3301	476	3	em	em	PRON
ejif-3301	476	4	fat	fat	PROPN
ejif-3301	476	5	roa	roa	PROPN
ejif-3301	476	6	icr	icr	PROPN
ejif-3301	476	7	da	da	PROPN
ejif-3301	476	8	1	1	NUM
ejif-3301	476	9	spread	spread	VERB
ejif-3301	476	10	-0.32479	-0.32479	NOUN
ejif-3301	476	11	1	1	NUM
ejif-3301	476	12	pr	pr	NOUN
ejif-3301	476	13	-0.41417	-0.41417	NOUN
ejif-3301	476	14	-0.16076	-0.16076	VERB
ejif-3301	476	15	1	1	NUM
ejif-3301	476	16	tenor	tenor	NOUN
ejif-3301	476	17	0.010577	0.010577	NUM
ejif-3301	476	18	-0.80535	-0.80535	NOUN
ejif-3301	476	19	0.554143	0.554143	ADJ
ejif-3301	476	20	1	1	NUM
ejif-3301	476	21	pm	pm	NOUN
ejif-3301	476	22	0.271207	0.271207	NUM
ejif-3301	476	23	0.121269	0.121269	NUM
ejif-3301	476	24	-0.31829	-0.31829	PUNCT
ejif-3301	476	25	-0.30769	-0.30769	NOUN
ejif-3301	476	26	1	1	NUM
ejif-3301	476	27	tat	tat	NOUN
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ejif-3301	476	30	0.270035	0.270035	NUM
ejif-3301	476	31	-0.00617	-0.00617	NOUN
ejif-3301	476	32	-0.34183	-0.34183	NOUN
ejif-3301	477	1	1	1	NUM
ejif-3301	477	2	em	em	PRON
ejif-3301	477	3	0.421303	0.421303	NUM
ejif-3301	477	4	0.030758	0.030758	NUM
ejif-3301	477	5	-0.11262	-0.11262	NOUN
ejif-3301	477	6	-0.07605	-0.07605	X
ejif-3301	477	7	-0.13625	-0.13625	PUNCT
ejif-3301	477	8	-0.23603	-0.23603	PROPN
ejif-3301	477	9	1	1	NUM
ejif-3301	477	10	fat	fat	ADJ
ejif-3301	477	11	-0.41584	-0.41584	NOUN
ejif-3301	477	12	0.388901	0.388901	NUM
ejif-3301	477	13	-0.05242	-0.05242	VERB
ejif-3301	477	14	-0.2192	-0.2192	AUX
ejif-3301	477	15	-0.21631	-0.21631	VERB
ejif-3301	477	16	0.36147	0.36147	NUM
ejif-3301	477	17	-0.06091	-0.06091	NOUN
ejif-3301	477	18	1	1	NUM
ejif-3301	477	19	roa	roa	NOUN
ejif-3301	477	20	-0.01726	-0.01726	NOUN
ejif-3301	477	21	0.040757	0.040757	NUM
ejif-3301	477	22	-0.10336	-0.10336	NOUN
ejif-3301	477	23	-0.19104	-0.19104	X
ejif-3301	478	1	0.545513	0.545513	NUM
ejif-3301	478	2	0.342778	0.342778	NUM
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ejif-3301	478	4	-0.03569	-0.03569	PROPN
ejif-3301	478	5	1	1	NUM
ejif-3301	478	6	icr	icr	PROPN
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ejif-3301	478	8	-0.00123	-0.00123	PROPN
ejif-3301	478	9	-0.37336	-0.37336	PROPN
ejif-3301	478	10	-0.01824	-0.01824	NOUN
ejif-3301	479	1	0.058583	0.058583	NUM
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ejif-3301	479	5	-0.0884	-0.0884	NOUN
ejif-3301	479	6	1	1	NUM
ejif-3301	479	7	table	table	NOUN
ejif-3301	479	8	8	8	NUM
ejif-3301	479	9	:	:	PUNCT
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ejif-3301	479	14	1	1	NUM
ejif-3301	479	15	model	model	NOUN
ejif-3301	479	16	2	2	NUM
ejif-3301	479	17	model	model	NOUN
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ejif-3301	479	20	4	4	NUM
ejif-3301	479	21	model	model	NOUN
ejif-3301	479	22	5	5	NUM
ejif-3301	479	23	model	model	NOUN
ejif-3301	479	24	6	6	NUM
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ejif-3301	479	32	variable	variable	ADJ
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ejif-3301	479	35	pr	pr	NOUN
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ejif-3301	479	37	d	d	PROPN
ejif-3301	479	38	e	e	PROPN
ejif-3301	479	39	p	p	PROPN
ejif-3301	479	40	e	e	PROPN
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ejif-3301	479	42	d	d	PROPN
ejif-3301	479	43	e	e	PROPN
ejif-3301	479	44	n	n	PROPN
ejif-3301	479	45	t	t	PROPN
ejif-3301	479	46	v	v	NOUN
ejif-3301	479	47	a	a	DET
ejif-3301	479	48	r	r	NOUN
ejif-3301	479	49	ia	ia	PROPN
ejif-3301	479	50	b	b	X
ejif-3301	479	51	le	le	X
ejif-3301	479	52	s	s	PROPN
ejif-3301	479	53	c	c	PROPN
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ejif-3301	479	55	4868653	4868653	NUM
ejif-3301	479	56	11337259	11337259	NUM
ejif-3301	479	57	1.326763	1.326763	NUM
ejif-3301	479	58	0.020625	0.020625	NUM
ejif-3301	479	59	4.883189	4.883189	NUM
ejif-3301	479	60	4.563633	4.563633	NUM
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ejif-3301	479	62	-	-	PUNCT
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ejif-3301	481	5	0	0	NUM
ejif-3301	482	1	ta	ta	PART
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ejif-3301	482	9	t	t	PROPN
ejif-3301	482	10	-	-	PUNCT
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ejif-3301	482	19	.	.	PUNCT
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ejif-3301	483	6	tl	tl	PROPN
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ejif-3301	483	13	-6.73e-20	-6.73e-20	PROPN
ejif-3301	483	14	t	t	PROPN
ejif-3301	483	15	-	-	PUNCT
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ejif-3301	484	4	prob	prob	PROPN
ejif-3301	484	5	.	.	PUNCT
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ejif-3301	485	1	0.144	0.144	NUM
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ejif-3301	485	4	0.0065	0.0065	NUM
ejif-3301	485	5	0.2825	0.2825	NUM
ejif-3301	485	6	sale	sale	NOUN
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ejif-3301	485	9	7.10e-14	7.10e-14	NUM
ejif-3301	485	10	-2.15e-07	-2.15e-07	NOUN
ejif-3301	485	11	2.59e-22	2.59e-22	NUM
ejif-3301	485	12	2.57e-20	2.57e-20	NUM
ejif-3301	485	13	3.68e-20	3.68e-20	NUM
ejif-3301	485	14	t	t	NOUN
ejif-3301	485	15	-	-	PUNCT
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ejif-3301	485	17	-2.63802	-2.63802	NOUN
ejif-3301	485	18	3.38702	3.38702	NUM
ejif-3301	485	19	-1.6498	-1.6498	NOUN
ejif-3301	486	1	3.385334	3.385334	NUM
ejif-3301	486	2	3.594217	3.594217	NUM
ejif-3301	486	3	3.239574	3.239574	NUM
ejif-3301	486	4	prob	prob	NOUN
ejif-3301	486	5	.	.	PUNCT
ejif-3301	487	1	0.0105	0.0105	NUM
ejif-3301	487	2	0.0033	0.0033	NUM
ejif-3301	487	3	0.1039	0.1039	NUM
ejif-3301	487	4	0.0033	0.0033	NUM
ejif-3301	487	5	0.0006	0.0006	NUM
ejif-3301	487	6	0.0045	0.0045	NUM
ejif-3301	487	7	np	np	ADP
ejif-3301	487	8	coefficient	coefficient	NOUN
ejif-3301	487	9	-1.17e-14	-1.17e-14	VERB
ejif-3301	487	10	0	0	NUM
ejif-3301	487	11	2.06e-08	2.06e-08	NUM
ejif-3301	487	12	-1.75e-22	-1.75e-22	NOUN
ejif-3301	487	13	-2.23e-20	-2.23e-20	NOUN
ejif-3301	487	14	8.98e-20	8.98e-20	NUM
ejif-3301	487	15	t	t	NOUN
ejif-3301	487	16	-	-	PUNCT
ejif-3301	487	17	statistic	statistic	NOUN
ejif-3301	487	18	-1.19641	-1.19641	NOUN
ejif-3301	487	19	0	0	NUM
ejif-3301	487	20	0.042645	0.042645	NUM
ejif-3301	487	21	-0.50374	-0.50374	NOUN
ejif-3301	487	22	-0.84463	-0.84463	NOUN
ejif-3301	488	1	1.736886	1.736886	NUM
ejif-3301	488	2	prob	prob	NOUN
ejif-3301	488	3	.	.	PUNCT
ejif-3301	489	1	0.236	0.236	NUM
ejif-3301	489	2	1	1	NUM
ejif-3301	489	3	0.9661	0.9661	NUM
ejif-3301	489	4	0.6206	0.6206	NUM
ejif-3301	489	5	0.4015	0.4015	NUM
ejif-3301	489	6	0.0995	0.0995	NUM
ejif-3301	489	7	ejif	ejif	NOUN
ejif-3301	489	8	–	–	PUNCT
ejif-3301	489	9	european	european	PROPN
ejif-3301	489	10	journal	journal	PROPN
ejif-3301	489	11	of	of	ADP
ejif-3301	489	12	islamic	islamic	PROPN
ejif-3301	489	13	finance	finance	PROPN
ejif-3301	489	14	no	no	DET
ejif-3301	489	15	14	14	NUM
ejif-3301	489	16	,	,	PUNCT
ejif-3301	489	17	december	december	PROPN
ejif-3301	489	18	(	(	PUNCT
ejif-3301	489	19	2019	2019	NUM
ejif-3301	489	20	)	)	PUNCT
ejif-3301	490	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-3301	490	2	issn	issn	VERB
ejif-3301	490	3	2421	2421	NUM
ejif-3301	490	4	-	-	SYM
ejif-3301	490	5	2172	2172	NUM
ejif-3301	490	6	17	17	NUM
ejif-3301	490	7	r	r	NOUN
ejif-3301	490	8	-	-	PUNCT
ejif-3301	490	9	squared	square	VERB
ejif-3301	490	10	1	1	NUM
ejif-3301	490	11	1	1	NUM
ejif-3301	490	12	0.976313	0.976313	NUM
ejif-3301	490	13	1	1	NUM
ejif-3301	490	14	1	1	NUM
ejif-3301	490	15	1	1	NUM
ejif-3301	490	16	adjusted	adjust	VERB
ejif-3301	490	17	r	r	NOUN
ejif-3301	490	18	-	-	PUNCT
ejif-3301	490	19	squared	square	VERB
ejif-3301	490	20	1	1	NUM
ejif-3301	490	21	1	1	NUM
ejif-3301	490	22	0.961508	0.961508	NUM
ejif-3301	490	23	1	1	NUM
ejif-3301	490	24	1	1	NUM
ejif-3301	490	25	1	1	NUM
ejif-3301	490	26	f	f	X
ejif-3301	490	27	-	-	PUNCT
ejif-3301	490	28	statistic	statistic	ADJ
ejif-3301	490	29	3.51e+30	3.51e+30	PROPN
ejif-3301	490	30	1.32e+30	1.32e+30	NUM
ejif-3301	490	31	65.94629	65.94629	NUM
ejif-3301	490	32	8.79e+28	8.79e+28	NUM
ejif-3301	490	33	2.27e+29	2.27e+29	NUM
ejif-3301	490	34	2.16e+30	2.16e+30	NUM
ejif-3301	490	35	prob(f	prob(f	NOUN
ejif-3301	490	36	-	-	PUNCT
ejif-3301	490	37	statistic	statistic	NOUN
ejif-3301	490	38	)	)	PUNCT
ejif-3301	490	39	0	0	NUM
ejif-3301	491	1	0	0	NUM
ejif-3301	491	2	0	0	NUM
ejif-3301	491	3	0	0	NUM
ejif-3301	491	4	0	0	NUM
ejif-3301	491	5	0	0	NUM
ejif-3301	491	6	durbin	durbin	ADJ
ejif-3301	491	7	-	-	PUNCT
ejif-3301	491	8	watson	watson	NOUN
ejif-3301	491	9	stat	stat	NOUN
ejif-3301	491	10	3.034791	3.034791	NUM
ejif-3301	491	11	2.512496	2.512496	NUM
ejif-3301	491	12	1.515861	1.515861	NUM
ejif-3301	491	13	2.528205	2.528205	NUM
ejif-3301	491	14	2.815141	2.815141	NUM
ejif-3301	491	15	2.240126	2.240126	NUM
ejif-3301	491	16	table	table	NOUN
ejif-3301	491	17	9	9	NUM
ejif-3301	491	18	:	:	PUNCT
ejif-3301	491	19	regression	regression	NOUN
ejif-3301	491	20	equation	equation	NOUN
ejif-3301	491	21	result	result	NOUN
ejif-3301	491	22	periods	period	NOUN
ejif-3301	491	23	included	include	VERB
ejif-3301	491	24	:	:	PUNCT
ejif-3301	491	25	3	3	NUM
ejif-3301	491	26	(	(	PUNCT
ejif-3301	491	27	2016	2016	NUM
ejif-3301	491	28	2018	2018	NUM
ejif-3301	491	29	)	)	PUNCT
ejif-3301	491	30	companies	company	NOUN
ejif-3301	491	31	included	include	VERB
ejif-3301	491	32	:	:	PUNCT
ejif-3301	491	33	35	35	NUM
ejif-3301	491	34	for	for	ADP
ejif-3301	491	35	murabaha	murabaha	NOUN
ejif-3301	491	36	and	and	CCONJ
ejif-3301	491	37	12	12	NUM
ejif-3301	491	38	for	for	ADP
ejif-3301	491	39	tijara	tijara	NOUN
ejif-3301	491	40	and	and	CCONJ
ejif-3301	491	41	istisna	istisna	PROPN
ejif-3301	491	42	total	total	ADJ
ejif-3301	491	43	panel	panel	NOUN
ejif-3301	491	44	observations	observation	NOUN
ejif-3301	491	45	:	:	PUNCT
ejif-3301	491	46	105	105	NUM
ejif-3301	491	47	for	for	ADP
ejif-3301	491	48	murabaha	murabaha	NOUN
ejif-3301	491	49	,	,	PUNCT
ejif-3301	491	50	and	and	CCONJ
ejif-3301	491	51	36	36	NUM
ejif-3301	491	52	for	for	ADP
ejif-3301	491	53	tijara	tijara	NOUN
ejif-3301	491	54	and	and	CCONJ
ejif-3301	491	55	istisna	istisna	PROPN
ejif-3301	491	56	effects	effect	NOUN
ejif-3301	491	57	specification	specification	NOUN
ejif-3301	491	58	:	:	PUNCT
ejif-3301	492	1	1	1	X
ejif-3301	492	2	.	.	X
ejif-3301	492	3	cross	cross	ADJ
ejif-3301	492	4	-	-	NOUN
ejif-3301	492	5	section	section	NOUN
ejif-3301	492	6	fixed	fix	VERB
ejif-3301	492	7	(	(	PUNCT
ejif-3301	492	8	dummy	dummy	ADJ
ejif-3301	492	9	variables	variable	NOUN
ejif-3301	492	10	)	)	PUNCT
ejif-3301	492	11	2	2	NUM
ejif-3301	492	12	.	.	NOUN
ejif-3301	492	13	period	period	NOUN
ejif-3301	492	14	fixed	fix	VERB
ejif-3301	492	15	(	(	PUNCT
ejif-3301	492	16	dummy	dummy	ADJ
ejif-3301	492	17	variables	variable	NOUN
ejif-3301	492	18	)	)	PUNCT
ejif-3301	492	19	.	.	PUNCT
ejif-3301	493	1	model	model	NOUN
ejif-3301	493	2	7	7	NUM
ejif-3301	493	3	model	model	NOUN
ejif-3301	493	4	8	8	NUM
ejif-3301	493	5	model	model	NOUN
ejif-3301	493	6	9	9	NUM
ejif-3301	493	7	model	model	NOUN
ejif-3301	493	8	10	10	NUM
ejif-3301	493	9	model	model	NOUN
ejif-3301	493	10	11	11	NUM
ejif-3301	493	11	model	model	NOUN
ejif-3301	493	12	12	12	NUM
ejif-3301	493	13	model	model	NOUN
ejif-3301	493	14	13	13	NUM
ejif-3301	493	15	model	model	NOUN
ejif-3301	493	16	14	14	NUM
ejif-3301	493	17	murabah	murabah	PROPN
ejif-3301	493	18	istisna	istisna	PROPN
ejif-3301	493	19	murabah	murabah	PROPN
ejif-3301	493	20	istisna	istisna	PROPN
ejif-3301	493	21	murabah	murabah	PROPN
ejif-3301	493	22	istisna	istisna	PROPN
ejif-3301	493	23	murabah	murabah	PROPN
ejif-3301	493	24	istisna	istisna	PROPN
ejif-3301	493	25	dependent	dependent	ADJ
ejif-3301	493	26	variable	variable	ADJ
ejif-3301	493	27	da	da	NOUN
ejif-3301	493	28	spread	spread	VERB
ejif-3301	493	29	pr	pr	NOUN
ejif-3301	493	30	tenor	tenor	NOUN
ejif-3301	493	31	in	in	ADP
ejif-3301	493	32	d	d	PROPN
ejif-3301	493	33	e	e	PROPN
ejif-3301	493	34	p	p	PROPN
ejif-3301	493	35	e	e	PROPN
ejif-3301	493	36	n	n	PROPN
ejif-3301	493	37	d	d	PROPN
ejif-3301	493	38	e	e	PROPN
ejif-3301	493	39	n	n	PROPN
ejif-3301	493	40	t	t	PROPN
ejif-3301	493	41	v	v	NOUN
ejif-3301	493	42	a	a	DET
ejif-3301	493	43	r	r	NOUN
ejif-3301	493	44	ia	ia	PROPN
ejif-3301	493	45	b	b	X
ejif-3301	493	46	le	le	X
ejif-3301	493	47	s	s	PROPN
ejif-3301	493	48	c	c	PROPN
ejif-3301	493	49	coefficient	coefficient	NOUN
ejif-3301	493	50	4868653	4868653	NUM
ejif-3301	493	51	11337259	11337259	NUM
ejif-3301	493	52	0.022594	0.022594	NUM
ejif-3301	493	53	0.020625	0.020625	NUM
ejif-3301	493	54	0.097613	0.097613	NUM
ejif-3301	493	55	0.096258	0.096258	NUM
ejif-3301	493	56	147.6912	147.6912	NUM
ejif-3301	493	57	114.1667	114.1667	NUM
ejif-3301	493	58	t	t	NOUN
ejif-3301	493	59	-	-	PUNCT
ejif-3301	493	60	statistic	statistic	NOUN
ejif-3301	493	61	8.68e+14	8.68e+14	NUM
ejif-3301	493	62	2.06e+15	2.06e+15	NUM
ejif-3301	494	1	5.48e+14	5.48e+14	NUM
ejif-3301	494	2	2.38e+15	2.38e+15	NUM
ejif-3301	494	3	4.20e+00	4.20e+00	NUM
ejif-3301	495	1	4.16e+15	4.16e+15	NUM
ejif-3301	495	2	27.96855	27.96855	NUM
ejif-3301	495	3	9.38e+14	9.38e+14	NUM
ejif-3301	495	4	prob	prob	NOUN
ejif-3301	495	5	.	.	PUNCT
ejif-3301	496	1	0	0	NUM
ejif-3301	496	2	0	0	NUM
ejif-3301	496	3	0	0	NUM
ejif-3301	496	4	0	0	NUM
ejif-3301	496	5	0.0001	0.0001	NUM
ejif-3301	496	6	0	0	NUM
ejif-3301	496	7	0	0	NUM
ejif-3301	496	8	0	0	NUM
ejif-3301	496	9	pm	pm	NOUN
ejif-3301	496	10	coefficient	coefficient	VERB
ejif-3301	496	11	4.92e-08	4.92e-08	DET
ejif-3301	496	12	1.26e-08	1.26e-08	NUM
ejif-3301	496	13	2.76e-16	2.76e-16	NUM
ejif-3301	496	14	1.90e-16	1.90e-16	NUM
ejif-3301	496	15	-1.57e-03	-1.57e-03	NOUN
ejif-3301	496	16	-5.24e-16	-5.24e-16	PROPN
ejif-3301	496	17	-2.507764	-2.507764	PROPN
ejif-3301	496	18	-2.04e-12	-2.04e-12	PROPN
ejif-3301	496	19	t	t	PROPN
ejif-3301	496	20	-	-	PUNCT
ejif-3301	496	21	statistic	statistic	NOUN
ejif-3301	496	22	4.421539	4.421539	NUM
ejif-3301	496	23	0.3378	0.3378	NUM
ejif-3301	496	24	3.372805	3.372805	NUM
ejif-3301	496	25	3.242665	3.242665	NUM
ejif-3301	496	26	-0.03404	-0.03404	NOUN
ejif-3301	496	27	-3.35607	-3.35607	ADJ
ejif-3301	496	28	-0.239335	-0.239335	PROPN
ejif-3301	496	29	-2.4852	-2.4852	PROPN
ejif-3301	496	30	prob	prob	PROPN
ejif-3301	496	31	.	.	PUNCT
ejif-3301	496	32	0	0	NUM
ejif-3301	497	1	0.7399	0.7399	NUM
ejif-3301	497	2	0.0013	0.0013	NUM
ejif-3301	497	3	0.0051	0.0051	NUM
ejif-3301	497	4	0.973	0.973	NUM
ejif-3301	497	5	0.004	0.004	NUM
ejif-3301	497	6	0.8116	0.8116	NUM
ejif-3301	497	7	0.0244	0.0244	NUM
ejif-3301	497	8	tat	tat	NOUN
ejif-3301	497	9	coefficient	coefficient	NOUN
ejif-3301	497	10	-5.73e-10	-5.73e-10	PRON
ejif-3301	497	11	2.06e-09	2.06e-09	NUM
ejif-3301	497	12	-7.94e-19	-7.94e-19	PROPN
ejif-3301	497	13	3.32e-18	3.32e-18	NUM
ejif-3301	497	14	-3.23e-04	-3.23e-04	PROPN
ejif-3301	498	1	-1.12e-17	-1.12e-17	PROPN
ejif-3301	498	2	-0.278474	-0.278474	PROPN
ejif-3301	499	1	-1.15e-14	-1.15e-14	PROPN
ejif-3301	499	2	t	t	PROPN
ejif-3301	499	3	-	-	PUNCT
ejif-3301	499	4	statistic	statistic	NOUN
ejif-3301	499	5	-1.41543	-1.41543	NOUN
ejif-3301	499	6	1.806613	1.806613	NUM
ejif-3301	499	7	-0.26658	-0.26658	NOUN
ejif-3301	499	8	1.84579	1.84579	NUM
ejif-3301	499	9	-0.19212	-0.19212	NOUN
ejif-3301	499	10	-2.33601	-2.33601	PROPN
ejif-3301	499	11	-0.730447	-0.730447	PROPN
ejif-3301	499	12	-0.45658	-0.45658	PROPN
ejif-3301	499	13	prob	prob	PROPN
ejif-3301	499	14	.	.	PUNCT
ejif-3301	500	1	0.1619	0.1619	NUM
ejif-3301	500	2	0.0897	0.0897	NUM
ejif-3301	500	3	0.7907	0.7907	NUM
ejif-3301	500	4	0.0835	0.0835	NUM
ejif-3301	500	5	0.8483	0.8483	NUM
ejif-3301	500	6	0.0328	0.0328	NUM
ejif-3301	500	7	0.4679	0.4679	NUM
ejif-3301	500	8	0.6541	0.6541	NUM
ejif-3301	500	9	em	em	PRON
ejif-3301	500	10	coefficient	coefficient	VERB
ejif-3301	500	11	-1.72e-08	-1.72e-08	NOUN
ejif-3301	500	12	9.48e-11	9.48e-11	NUM
ejif-3301	500	13	-1.38e-16	-1.38e-16	NOUN
ejif-3301	500	14	6.71e-19	6.71e-19	NUM
ejif-3301	500	15	-9.84e-04	-9.84e-04	PRON
ejif-3301	500	16	-2.59e-18	-2.59e-18	NOUN
ejif-3301	501	1	0.784259	0.784259	NUM
ejif-3301	501	2	-5.46e-15	-5.46e-15	NOUN
ejif-3301	501	3	t	t	NOUN
ejif-3301	501	4	-	-	PUNCT
ejif-3301	501	5	statistic	statistic	NOUN
ejif-3301	501	6	-6.62061	-6.62061	PROPN
ejif-3301	501	7	0.401951	0.401951	NUM
ejif-3301	501	8	-7.22397	-7.22397	NOUN
ejif-3301	501	9	1.805494	1.805494	NUM
ejif-3301	501	10	-0.09137	-0.09137	NOUN
ejif-3301	501	11	-2.6208	-2.6208	NOUN
ejif-3301	501	12	0.320848	0.320848	NUM
ejif-3301	501	13	-1.04933	-1.04933	NOUN
ejif-3301	501	14	prob	prob	NOUN
ejif-3301	501	15	.	.	PUNCT
ejif-3301	501	16	0	0	NUM
ejif-3301	502	1	0.693	0.693	NUM
ejif-3301	502	2	0	0	NUM
ejif-3301	502	3	0.0898	0.0898	NUM
ejif-3301	502	4	0.9275	0.9275	NUM
ejif-3301	502	5	0.0185	0.0185	NUM
ejif-3301	502	6	0.7494	0.7494	NUM
ejif-3301	502	7	0.3096	0.3096	NUM
ejif-3301	502	8	fat	fat	ADJ
ejif-3301	502	9	coefficient	coefficient	NOUN
ejif-3301	502	10	3.22e-11	3.22e-11	NUM
ejif-3301	502	11	1.77e-11	1.77e-11	NUM
ejif-3301	502	12	9.01e-20	9.01e-20	NUM
ejif-3301	502	13	-4.45e-20	-4.45e-20	ADV
ejif-3301	502	14	1.35e-05	1.35e-05	NUM
ejif-3301	502	15	4.76e-20	4.76e-20	NUM
ejif-3301	502	16	0.000389	0.000389	NUM
ejif-3301	502	17	4.65e-16	4.65e-16	NUM
ejif-3301	502	18	t	t	NOUN
ejif-3301	502	19	-	-	PUNCT
ejif-3301	502	20	statistic	statistic	NOUN
ejif-3301	502	21	1.387443	1.387443	NUM
ejif-3301	502	22	1.697593	1.697593	NUM
ejif-3301	502	23	0.528691	0.528691	NUM
ejif-3301	502	24	-2.71063	-2.71063	PUNCT
ejif-3301	503	1	0.140065	0.140065	NUM
ejif-3301	503	2	1.088375	1.088375	NUM
ejif-3301	503	3	0.017831	0.017831	NUM
ejif-3301	503	4	2.020786	2.020786	NUM
ejif-3301	503	5	prob	prob	NOUN
ejif-3301	503	6	.	.	PUNCT
ejif-3301	504	1	0.1703	0.1703	NUM
ejif-3301	504	2	0.1089	0.1089	NUM
ejif-3301	504	3	0.5989	0.5989	NUM
ejif-3301	504	4	0.0154	0.0154	NUM
ejif-3301	504	5	0.8891	0.8891	NUM
ejif-3301	504	6	0.2926	0.2926	NUM
ejif-3301	504	7	0.9858	0.9858	NUM
ejif-3301	504	8	0.0604	0.0604	NUM
ejif-3301	504	9	roa	roa	PROPN
ejif-3301	504	10	coefficient	coefficient	NOUN
ejif-3301	504	11	-3.50e-08	-3.50e-08	NOUN
ejif-3301	504	12	-3.96e-10	-3.96e-10	VERB
ejif-3301	504	13	-2.00e-16	-2.00e-16	NOUN
ejif-3301	504	14	-4.85e-17	-4.85e-17	NOUN
ejif-3301	505	1	2.13e-03	2.13e-03	NUM
ejif-3301	505	2	1.93e-16	1.93e-16	NUM
ejif-3301	505	3	2.865672	2.865672	NUM
ejif-3301	505	4	7.85e-13	7.85e-13	NUM
ejif-3301	505	5	t	t	NOUN
ejif-3301	505	6	-	-	PUNCT
ejif-3301	505	7	statistic	statistic	NOUN
ejif-3301	505	8	-4.60894	-4.60894	ADJ
ejif-3301	505	9	-0.03227	-0.03227	PROPN
ejif-3301	505	10	-3.57496	-3.57496	PROPN
ejif-3301	505	11	-2.51129	-2.51129	VERB
ejif-3301	505	12	0.06753	0.06753	NUM
ejif-3301	505	13	3.755108	3.755108	NUM
ejif-3301	505	14	0.400819	0.400819	NUM
ejif-3301	505	15	2.899575	2.899575	NUM
ejif-3301	505	16	prob	prob	NOUN
ejif-3301	505	17	.	.	PUNCT
ejif-3301	505	18	0	0	NUM
ejif-3301	506	1	0.9747	0.9747	NUM
ejif-3301	506	2	0.0007	0.0007	NUM
ejif-3301	506	3	0.0231	0.0231	NUM
ejif-3301	506	4	0.9464	0.9464	NUM
ejif-3301	506	5	0.0017	0.0017	NUM
ejif-3301	506	6	0.6899	0.6899	NUM
ejif-3301	506	7	0.0105	0.0105	NUM
ejif-3301	506	8	icr	icr	PROPN
ejif-3301	506	9	coefficient	coefficient	NOUN
ejif-3301	506	10	-8.33e-10	-8.33e-10	NOUN
ejif-3301	506	11	1.02e-08	1.02e-08	NUM
ejif-3301	506	12	1.55e-18	1.55e-18	NUM
ejif-3301	506	13	6.31e-18	6.31e-18	NUM
ejif-3301	506	14	3.68e-04	3.68e-04	NUM
ejif-3301	506	15	0	0	NUM
ejif-3301	506	16	-0.139678	-0.139678	NOUN
ejif-3301	506	17	1.55e-13	1.55e-13	NUM
ejif-3301	506	18	t	t	PROPN
ejif-3301	506	19	-	-	PUNCT
ejif-3301	506	20	statistic	statistic	NOUN
ejif-3301	506	21	-0.66846	-0.66846	NOUN
ejif-3301	506	22	2.291651	2.291651	NUM
ejif-3301	506	23	0.16934	0.16934	NUM
ejif-3301	506	24	0.903412	0.903412	NUM
ejif-3301	506	25	0.071191	0.071191	NUM
ejif-3301	506	26	0	0	NUM
ejif-3301	506	27	-0.119114	-0.119114	PROPN
ejif-3301	506	28	1.58471	1.58471	NUM
ejif-3301	506	29	prob	prob	NOUN
ejif-3301	506	30	.	.	PUNCT
ejif-3301	507	1	0.5063	0.5063	NUM
ejif-3301	507	2	0.0358	0.0358	NUM
ejif-3301	507	3	0.8661	0.8661	NUM
ejif-3301	507	4	0.3797	0.3797	NUM
ejif-3301	507	5	0.9435	0.9435	NUM
ejif-3301	507	6	1	1	NUM
ejif-3301	507	7	0.9056	0.9056	NUM
ejif-3301	507	8	0.1326	0.1326	NUM
ejif-3301	507	9	adjusted	adjusted	ADJ
ejif-3301	507	10	r	r	NOUN
ejif-3301	507	11	-	-	PUNCT
ejif-3301	507	12	squared	square	VERB
ejif-3301	507	13	1	1	NUM
ejif-3301	507	14	1	1	NUM
ejif-3301	507	15	1	1	NUM
ejif-3301	507	16	1	1	NUM
ejif-3301	507	17	-0.06035	-0.06035	NUM
ejif-3301	507	18	1	1	NUM
ejif-3301	507	19	0.897888	0.897888	NUM
ejif-3301	507	20	1	1	NUM
ejif-3301	507	21	prob(f	prob(f	NOUN
ejif-3301	507	22	-	-	PUNCT
ejif-3301	507	23	statistic	statistic	NOUN
ejif-3301	507	24	)	)	PUNCT
ejif-3301	507	25	0	0	NUM
ejif-3301	507	26	0	0	NUM
ejif-3301	507	27	0	0	NUM
ejif-3301	507	28	0	0	NUM
ejif-3301	507	29	0.696332	0.696332	NUM
ejif-3301	507	30	0	0	NUM
ejif-3301	507	31	0.00	0.00	NUM
ejif-3301	507	32	0	0	NUM
ejif-3301	507	33	durbin	durbin	ADJ
ejif-3301	507	34	-	-	PUNCT
ejif-3301	507	35	watson	watson	NOUN
ejif-3301	507	36	stat	stat	PROPN
ejif-3301	507	37	2.773731	2.773731	NUM
ejif-3301	507	38	2.046115	2.046115	NUM
ejif-3301	507	39	2.793367	2.793367	NUM
ejif-3301	507	40	2.317264	2.317264	NUM
ejif-3301	507	41	4.434157	4.434157	NUM
ejif-3301	507	42	2.275504	2.275504	NUM
ejif-3301	507	43	4.400719	4.400719	NUM
ejif-3301	507	44	1.9269	1.9269	NUM
ejif-3301	507	45	ejif	ejif	NOUN
ejif-3301	507	46	–	–	PUNCT
ejif-3301	507	47	european	european	PROPN
ejif-3301	507	48	journal	journal	PROPN
ejif-3301	507	49	of	of	ADP
ejif-3301	507	50	islamic	islamic	PROPN
ejif-3301	507	51	finance	finance	PROPN
ejif-3301	507	52	editorial	editorial	ADJ
ejif-3301	507	53	team	team	NOUN
ejif-3301	507	54	editor	editor	NOUN
ejif-3301	507	55	in	in	ADP
ejif-3301	507	56	chief	chief	ADJ
ejif-3301	507	57	prof	prof	NOUN
ejif-3301	507	58	.	.	PUNCT
ejif-3301	507	59	paolo	paolo	PROPN
ejif-3301	507	60	pietro	pietro	PROPN
ejif-3301	507	61	biancone	biancone	NOUN
ejif-3301	507	62	,	,	PUNCT
ejif-3301	507	63	university	university	PROPN
ejif-3301	507	64	of	of	ADP
ejif-3301	507	65	turin	turin	PROPN
ejif-3301	507	66	,	,	PUNCT
ejif-3301	507	67	italy	italy	PROPN
ejif-3301	507	68	editorial	editorial	PROPN
ejif-3301	507	69	board	board	PROPN
ejif-3301	507	70	prof	prof	PROPN
ejif-3301	507	71	.	.	PUNCT
ejif-3301	508	1	dian	dian	PROPN
ejif-3301	508	2	masyita	masyita	PROPN
ejif-3301	508	3	,	,	PUNCT
ejif-3301	508	4	university	university	NOUN
ejif-3301	508	5	of	of	ADP
ejif-3301	508	6	padjadjaran	padjadjaran	PROPN
ejif-3301	508	7	,	,	PUNCT
ejif-3301	508	8	indonesia	indonesia	PROPN
ejif-3301	508	9	prof	prof	PROPN
ejif-3301	508	10	.	.	PUNCT
ejif-3301	509	1	abdulazeem	abdulazeem	PROPN
ejif-3301	509	2	abozaid	abozaid	PROPN
ejif-3301	509	3	,	,	PUNCT
ejif-3301	509	4	qatar	qatar	PROPN
ejif-3301	509	5	faculty	faculty	NOUN
ejif-3301	509	6	of	of	ADP
ejif-3301	509	7	islamic	islamic	ADJ
ejif-3301	509	8	studies	study	NOUN
ejif-3301	509	9	,	,	PUNCT
ejif-3301	509	10	qatar	qatar	PROPN
ejif-3301	509	11	prof	prof	PROPN
ejif-3301	509	12	.	.	PUNCT
ejif-3301	510	1	ahmad	ahmad	PROPN
ejif-3301	510	2	aref	aref	PROPN
ejif-3301	510	3	almazari	almazari	PROPN
ejif-3301	510	4	,	,	PUNCT
ejif-3301	510	5	king	king	PROPN
ejif-3301	510	6	saud	saud	PROPN
ejif-3301	510	7	university	university	PROPN
ejif-3301	510	8	,	,	PUNCT
ejif-3301	510	9	saudi	saudi	PROPN
ejif-3301	510	10	arabia	arabia	PROPN
ejif-3301	510	11	prof	prof	PROPN
ejif-3301	510	12	.	.	PUNCT
ejif-3301	511	1	marco	marco	PROPN
ejif-3301	511	2	meneguzzo	meneguzzo	PROPN
ejif-3301	511	3	,	,	PUNCT
ejif-3301	511	4	università	università	PROPN
ejif-3301	511	5	degli	degli	PROPN
ejif-3301	511	6	studi	studi	PROPN
ejif-3301	511	7	di	di	X
ejif-3301	511	8	roma	roma	PROPN
ejif-3301	511	9	"	"	PUNCT
ejif-3301	511	10	tor	tor	NOUN
ejif-3301	511	11	vergata	vergata	NOUN
ejif-3301	511	12	"	"	PUNCT
ejif-3301	511	13	,	,	PUNCT
ejif-3301	511	14	italy	italy	PROPN
ejif-3301	511	15	prof	prof	PROPN
ejif-3301	511	16	.	.	PUNCT
ejif-3301	512	1	nidal	nidal	PROPN
ejif-3301	512	2	a.	a.	PROPN
ejif-3301	512	3	alsayyed	alsayye	VERB
ejif-3301	512	4	,	,	PUNCT
ejif-3301	512	5	inayah	inayah	VERB
ejif-3301	512	6	islamic	islamic	PROPN
ejif-3301	512	7	finance	finance	PROPN
ejif-3301	512	8	research	research	PROPN
ejif-3301	512	9	institute	institute	PROPN
ejif-3301	512	10	,	,	PUNCT
ejif-3301	512	11	usa	usa	PROPN
ejif-3301	512	12	prof	prof	PROPN
ejif-3301	512	13	.	.	PUNCT
ejif-3301	513	1	roberta	roberta	PROPN
ejif-3301	513	2	aluffi	aluffi	PROPN
ejif-3301	513	3	,	,	PUNCT
ejif-3301	513	4	university	university	PROPN
ejif-3301	513	5	of	of	ADP
ejif-3301	513	6	turin	turin	PROPN
ejif-3301	513	7	,	,	PUNCT
ejif-3301	513	8	italy	italy	PROPN
ejif-3301	513	9	prof	prof	PROPN
ejif-3301	513	10	.	.	PUNCT
ejif-3301	514	1	ghassen	ghassen	PROPN
ejif-3301	514	2	bouslama	bouslama	PROPN
ejif-3301	514	3	,	,	PUNCT
ejif-3301	514	4	neoma	neoma	PROPN
ejif-3301	514	5	business	business	NOUN
ejif-3301	514	6	school	school	NOUN
ejif-3301	514	7	,	,	PUNCT
ejif-3301	514	8	campus	campus	NOUN
ejif-3301	514	9	de	de	X
ejif-3301	514	10	reims	reims	X
ejif-3301	514	11	,	,	PUNCT
ejif-3301	514	12	france	france	PROPN
ejif-3301	514	13	prof	prof	PROPN
ejif-3301	514	14	.	.	PUNCT
ejif-3301	515	1	nazam	nazam	PROPN
ejif-3301	515	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-3301	515	3	,	,	PUNCT
ejif-3301	515	4	salford	salford	PROPN
ejif-3301	515	5	university	university	PROPN
ejif-3301	515	6	,	,	PUNCT
ejif-3301	515	7	uk	uk	PROPN
ejif-3301	515	8	prof	prof	PROPN
ejif-3301	515	9	.	.	PUNCT
ejif-3301	516	1	kabir	kabir	PROPN
ejif-3301	516	2	hassan	hassan	PROPN
ejif-3301	516	3	,	,	PUNCT
ejif-3301	516	4	university	university	NOUN
ejif-3301	516	5	of	of	ADP
ejif-3301	516	6	new	new	PROPN
ejif-3301	516	7	orleans	orleans	PROPN
ejif-3301	516	8	,	,	PUNCT
ejif-3301	516	9	usa	usa	PROPN
ejif-3301	516	10	prof	prof	PROPN
ejif-3301	516	11	.	.	PUNCT
ejif-3301	517	1	khaled	khaled	PROPN
ejif-3301	517	2	hussainey	hussainey	PROPN
ejif-3301	517	3	,	,	PUNCT
ejif-3301	517	4	university	university	NOUN
ejif-3301	517	5	of	of	ADP
ejif-3301	517	6	plymouth	plymouth	PROPN
ejif-3301	517	7	,	,	PUNCT
ejif-3301	517	8	uk	uk	PROPN
ejif-3301	517	9	prof	prof	PROPN
ejif-3301	517	10	.	.	PUNCT
ejif-3301	518	1	rifki	rifki	PROPN
ejif-3301	518	2	ismal	ismal	NOUN
ejif-3301	518	3	,	,	PUNCT
ejif-3301	518	4	university	university	NOUN
ejif-3301	518	5	of	of	ADP
ejif-3301	518	6	indonesia	indonesia	PROPN
ejif-3301	518	7	prof	prof	PROPN
ejif-3301	518	8	.	.	PUNCT
ejif-3301	519	1	tariqullah	tariqullah	PROPN
ejif-3301	519	2	khan	khan	PROPN
ejif-3301	519	3	,	,	PUNCT
ejif-3301	519	4	hamad	hamad	PROPN
ejif-3301	519	5	bin	bin	PROPN
ejif-3301	519	6	khalifa	khalifa	PROPN
ejif-3301	519	7	university	university	PROPN
ejif-3301	519	8	,	,	PUNCT
ejif-3301	519	9	qatar	qatar	PROPN
ejif-3301	519	10	prof	prof	PROPN
ejif-3301	519	11	.	.	PROPN
ejif-3301	520	1	ali	ali	PROPN
ejif-3301	520	2	khorshid	khorshid	PROPN
ejif-3301	520	3	,	,	PUNCT
ejif-3301	520	4	icma	icma	NOUN
ejif-3301	520	5	centre	centre	PROPN
ejif-3301	520	6	reading	read	VERB
ejif-3301	520	7	university	university	NOUN
ejif-3301	520	8	,	,	PUNCT
ejif-3301	520	9	uk	uk	PROPN
ejif-3301	520	10	prof	prof	PROPN
ejif-3301	520	11	.	.	PUNCT
ejif-3301	521	1	amir	amir	PROPN
ejif-3301	521	2	kia	kia	PROPN
ejif-3301	521	3	,	,	PUNCT
ejif-3301	521	4	utah	utah	PROPN
ejif-3301	521	5	valley	valley	PROPN
ejif-3301	521	6	university	university	PROPN
ejif-3301	521	7	,	,	PUNCT
ejif-3301	521	8	usa	usa	PROPN
ejif-3301	521	9	prof	prof	PROPN
ejif-3301	521	10	.	.	PUNCT
ejif-3301	522	1	laurent	laurent	PROPN
ejif-3301	522	2	marliere	marliere	ADV
ejif-3301	522	3	,	,	PUNCT
ejif-3301	522	4	université	université	PROPN
ejif-3301	522	5	paris	paris	PROPN
ejif-3301	522	6	-	-	PUNCT
ejif-3301	522	7	dauphine	dauphine	PROPN
ejif-3301	522	8	,	,	PUNCT
ejif-3301	522	9	france	france	PROPN
ejif-3301	522	10	prof	prof	PROPN
ejif-3301	522	11	.	.	PUNCT
ejif-3301	523	1	federica	federica	PROPN
ejif-3301	523	2	miglietta	miglietta	PROPN
ejif-3301	523	3	,	,	PUNCT
ejif-3301	523	4	university	university	NOUN
ejif-3301	523	5	of	of	ADP
ejif-3301	523	6	bari	bari	NOUN
ejif-3301	523	7	,	,	PUNCT
ejif-3301	523	8	italy	italy	PROPN
ejif-3301	523	9	prof	prof	PROPN
ejif-3301	523	10	.	.	PUNCT
ejif-3301	524	1	hakim	hakim	PROPN
ejif-3301	524	2	ben	ben	PROPN
ejif-3301	524	3	othman	othman	PROPN
ejif-3301	524	4	,	,	PUNCT
ejif-3301	524	5	university	university	PROPN
ejif-3301	524	6	of	of	ADP
ejif-3301	524	7	tunis	tunis	PROPN
ejif-3301	524	8	,	,	PUNCT
ejif-3301	524	9	tunisia	tunisia	PROPN
ejif-3301	524	10	prof	prof	PROPN
ejif-3301	524	11	.	.	PUNCT
ejif-3301	525	1	mohamed	mohamed	PROPN
ejif-3301	525	2	ramady	ramady	PROPN
ejif-3301	525	3	,	,	PUNCT
ejif-3301	525	4	king	king	PROPN
ejif-3301	525	5	fahd	fahd	PROPN
ejif-3301	525	6	university	university	PROPN
ejif-3301	525	7	of	of	ADP
ejif-3301	525	8	petroleum	petroleum	NOUN
ejif-3301	525	9	and	and	CCONJ
ejif-3301	525	10	minerals	mineral	NOUN
ejif-3301	525	11	,	,	PUNCT
ejif-3301	526	1	saudi	saudi	PROPN
ejif-3301	526	2	arabia	arabia	PROPN
ejif-3301	526	3	prof	prof	PROPN
ejif-3301	526	4	.	.	PROPN
ejif-3301	526	5	mamunur	mamunur	PROPN
ejif-3301	526	6	rashid	rashid	PROPN
ejif-3301	526	7	,	,	PUNCT
ejif-3301	526	8	nottingham	nottingham	PROPN
ejif-3301	526	9	university	university	PROPN
ejif-3301	526	10	,	,	PUNCT
ejif-3301	526	11	malaysia	malaysia	PROPN
ejif-3301	526	12	prof	prof	PROPN
ejif-3301	526	13	.	.	PUNCT
ejif-3301	527	1	younes	younes	PROPN
ejif-3301	527	2	soualhi	soualhi	PROPN
ejif-3301	527	3	,	,	PUNCT
ejif-3301	527	4	international	international	ADJ
ejif-3301	527	5	islamic	islamic	PROPN
ejif-3301	527	6	university	university	PROPN
ejif-3301	527	7	,	,	PUNCT
ejif-3301	527	8	malaysia	malaysia	PROPN
ejif-3301	527	9	prof	prof	PROPN
ejif-3301	527	10	.	.	PUNCT
ejif-3301	528	1	laurent	laurent	PROPN
ejif-3301	528	2	weill	weill	PROPN
ejif-3301	528	3	,	,	PUNCT
ejif-3301	528	4	university	university	NOUN
ejif-3301	528	5	of	of	ADP
ejif-3301	528	6	strasbourg	strasbourg	PROPN
ejif-3301	528	7	,	,	PUNCT
ejif-3301	528	8	france	france	PROPN