id	sid	tid	token	lemma	pos
ejif-4307	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	1	2	issn	issn	VERB
ejif-4307	1	3	2421	2421	NUM
ejif-4307	1	4	-	-	SYM
ejif-4307	1	5	2172	2172	NUM
ejif-4307	1	6	1	1	NUM
ejif-4307	1	7	contemporary	contemporary	ADJ
ejif-4307	1	8	responses	response	NOUN
ejif-4307	1	9	to	to	ADP
ejif-4307	1	10	the	the	DET
ejif-4307	1	11	criticism	criticism	NOUN
ejif-4307	1	12	of	of	ADP
ejif-4307	1	13	islamic	islamic	ADJ
ejif-4307	1	14	banks	bank	NOUN
ejif-4307	1	15	in	in	ADP
ejif-4307	1	16	malaysia	malaysia	PROPN
ejif-4307	1	17	department	department	PROPN
ejif-4307	1	18	of	of	ADP
ejif-4307	1	19	finance	finance	NOUN
ejif-4307	1	20	,	,	PUNCT
ejif-4307	1	21	international	international	PROPN
ejif-4307	1	22	islamic	islamic	PROPN
ejif-4307	1	23	university	university	PROPN
ejif-4307	1	24	malaysia	malaysia	PROPN
ejif-4307	1	25	department	department	PROPN
ejif-4307	1	26	of	of	ADP
ejif-4307	1	27	business	business	PROPN
ejif-4307	1	28	administration	administration	PROPN
ejif-4307	1	29	,	,	PUNCT
ejif-4307	1	30	international	international	PROPN
ejif-4307	1	31	islamic	islamic	PROPN
ejif-4307	1	32	university	university	PROPN
ejif-4307	1	33	malaysia	malaysia	PROPN
ejif-4307	1	34	department	department	PROPN
ejif-4307	1	35	of	of	ADP
ejif-4307	1	36	finance	finance	NOUN
ejif-4307	1	37	,	,	PUNCT
ejif-4307	1	38	international	international	PROPN
ejif-4307	1	39	islamic	islamic	PROPN
ejif-4307	1	40	university	university	PROPN
ejif-4307	1	41	malaysia	malaysia	PROPN
ejif-4307	1	42	department	department	PROPN
ejif-4307	1	43	of	of	ADP
ejif-4307	1	44	economics	economic	NOUN
ejif-4307	1	45	,	,	PUNCT
ejif-4307	1	46	international	international	ADJ
ejif-4307	1	47	islamic	islamic	PROPN
ejif-4307	1	48	university	university	PROPN
ejif-4307	1	49	malaysia	malaysia	PROPN
ejif-4307	1	50	abstract	abstract	NOUN
ejif-4307	1	51	--	--	PUNCT
ejif-4307	1	52	the	the	DET
ejif-4307	1	53	rapid	rapid	ADJ
ejif-4307	1	54	growth	growth	NOUN
ejif-4307	1	55	of	of	ADP
ejif-4307	1	56	islamic	islamic	ADJ
ejif-4307	1	57	banks	bank	NOUN
ejif-4307	1	58	has	have	AUX
ejif-4307	1	59	become	become	VERB
ejif-4307	1	60	a	a	DET
ejif-4307	1	61	focus	focus	NOUN
ejif-4307	1	62	of	of	ADP
ejif-4307	1	63	all	all	DET
ejif-4307	1	64	investors	investor	NOUN
ejif-4307	1	65	and	and	CCONJ
ejif-4307	1	66	consumers	consumer	NOUN
ejif-4307	1	67	.	.	PUNCT
ejif-4307	2	1	malaysia	malaysia	PROPN
ejif-4307	2	2	has	have	AUX
ejif-4307	2	3	put	put	VERB
ejif-4307	2	4	in	in	ADP
ejif-4307	2	5	a	a	DET
ejif-4307	2	6	lot	lot	NOUN
ejif-4307	2	7	of	of	ADP
ejif-4307	2	8	effort	effort	NOUN
ejif-4307	2	9	to	to	PART
ejif-4307	2	10	develop	develop	VERB
ejif-4307	2	11	and	and	CCONJ
ejif-4307	2	12	gather	gather	VERB
ejif-4307	2	13	acceptance	acceptance	NOUN
ejif-4307	2	14	from	from	ADP
ejif-4307	2	15	all	all	DET
ejif-4307	2	16	citizens	citizen	NOUN
ejif-4307	2	17	of	of	ADP
ejif-4307	2	18	the	the	DET
ejif-4307	2	19	country	country	NOUN
ejif-4307	2	20	for	for	ADP
ejif-4307	2	21	islamic	islamic	ADJ
ejif-4307	2	22	banking	banking	NOUN
ejif-4307	2	23	.	.	PUNCT
ejif-4307	3	1	hence	hence	ADV
ejif-4307	3	2	,	,	PUNCT
ejif-4307	3	3	throughout	throughout	ADP
ejif-4307	3	4	the	the	DET
ejif-4307	3	5	sector	sector	NOUN
ejif-4307	3	6	’s	’s	PART
ejif-4307	3	7	expansion	expansion	NOUN
ejif-4307	3	8	,	,	PUNCT
ejif-4307	3	9	there	there	PRON
ejif-4307	3	10	have	have	AUX
ejif-4307	3	11	been	be	AUX
ejif-4307	3	12	several	several	ADJ
ejif-4307	3	13	critics	critic	NOUN
ejif-4307	3	14	,	,	PUNCT
ejif-4307	3	15	such	such	ADJ
ejif-4307	3	16	as	as	ADP
ejif-4307	3	17	shariah	shariah	PROPN
ejif-4307	3	18	scholars	scholars	PROPN
ejif-4307	3	19	,	,	PUNCT
ejif-4307	3	20	investors	investor	NOUN
ejif-4307	3	21	,	,	PUNCT
ejif-4307	3	22	and	and	CCONJ
ejif-4307	3	23	consumers	consumer	NOUN
ejif-4307	3	24	.	.	PUNCT
ejif-4307	4	1	for	for	ADP
ejif-4307	4	2	instance	instance	NOUN
ejif-4307	4	3	;	;	PUNCT
ejif-4307	4	4	a	a	DET
ejif-4307	4	5	lack	lack	NOUN
ejif-4307	4	6	of	of	ADP
ejif-4307	4	7	shariah	shariah	PROPN
ejif-4307	4	8	experts	expert	NOUN
ejif-4307	4	9	in	in	ADP
ejif-4307	4	10	both	both	DET
ejif-4307	4	11	economics	economic	NOUN
ejif-4307	4	12	and	and	CCONJ
ejif-4307	4	13	shariah	shariah	PROPN
ejif-4307	4	14	itself	itself	PRON
ejif-4307	4	15	,	,	PUNCT
ejif-4307	4	16	interest	interest	NOUN
ejif-4307	4	17	rates	rate	NOUN
ejif-4307	4	18	as	as	ADP
ejif-4307	4	19	benchmark	benchmark	NOUN
ejif-4307	4	20	,	,	PUNCT
ejif-4307	4	21	similarities	similarity	NOUN
ejif-4307	4	22	with	with	ADP
ejif-4307	4	23	conventional	conventional	ADJ
ejif-4307	4	24	banks	bank	NOUN
ejif-4307	4	25	etc	etc	X
ejif-4307	4	26	.	.	X
ejif-4307	4	27	as	as	SCONJ
ejif-4307	4	28	the	the	DET
ejif-4307	4	29	malaysian	malaysian	ADJ
ejif-4307	4	30	islamic	islamic	ADJ
ejif-4307	4	31	banking	banking	NOUN
ejif-4307	4	32	system	system	NOUN
ejif-4307	4	33	is	be	AUX
ejif-4307	4	34	growing	grow	VERB
ejif-4307	4	35	and	and	CCONJ
ejif-4307	4	36	expanding	expand	VERB
ejif-4307	4	37	,	,	PUNCT
ejif-4307	4	38	as	as	SCONJ
ejif-4307	4	39	are	be	AUX
ejif-4307	4	40	its	its	PRON
ejif-4307	4	41	critics	critic	NOUN
ejif-4307	4	42	.	.	PUNCT
ejif-4307	5	1	therefore	therefore	ADV
ejif-4307	5	2	,	,	PUNCT
ejif-4307	5	3	the	the	DET
ejif-4307	5	4	main	main	ADJ
ejif-4307	5	5	purpose	purpose	NOUN
ejif-4307	5	6	of	of	ADP
ejif-4307	5	7	this	this	DET
ejif-4307	5	8	study	study	NOUN
ejif-4307	5	9	to	to	PART
ejif-4307	5	10	provide	provide	VERB
ejif-4307	5	11	adequate	adequate	ADJ
ejif-4307	5	12	arguments	argument	NOUN
ejif-4307	5	13	on	on	ADP
ejif-4307	5	14	the	the	DET
ejif-4307	5	15	contemporary	contemporary	ADJ
ejif-4307	5	16	criticisms	criticism	NOUN
ejif-4307	5	17	and	and	CCONJ
ejif-4307	5	18	challenges	challenge	NOUN
ejif-4307	5	19	being	be	AUX
ejif-4307	5	20	faced	face	VERB
ejif-4307	5	21	by	by	ADP
ejif-4307	5	22	islamic	islamic	ADJ
ejif-4307	5	23	banks	bank	NOUN
ejif-4307	5	24	in	in	ADP
ejif-4307	5	25	malaysia	malaysia	PROPN
ejif-4307	5	26	.	.	PUNCT
ejif-4307	6	1	this	this	DET
ejif-4307	6	2	study	study	NOUN
ejif-4307	6	3	has	have	AUX
ejif-4307	6	4	adopted	adopt	VERB
ejif-4307	6	5	a	a	DET
ejif-4307	6	6	qualitative	qualitative	ADJ
ejif-4307	6	7	approach	approach	NOUN
ejif-4307	6	8	;	;	PUNCT
ejif-4307	6	9	conducting	conduct	VERB
ejif-4307	6	10	semistructured	semistructure	VERB
ejif-4307	6	11	interviews	interview	NOUN
ejif-4307	6	12	and	and	CCONJ
ejif-4307	6	13	observations	observation	NOUN
ejif-4307	6	14	.	.	PUNCT
ejif-4307	7	1	the	the	DET
ejif-4307	7	2	findings	finding	NOUN
ejif-4307	7	3	recognised	recognise	VERB
ejif-4307	7	4	shariah	shariah	PROPN
ejif-4307	7	5	compliancy	compliancy	PROPN
ejif-4307	7	6	,	,	PUNCT
ejif-4307	7	7	interest	interest	NOUN
ejif-4307	7	8	rates	rate	NOUN
ejif-4307	7	9	as	as	ADP
ejif-4307	7	10	a	a	DET
ejif-4307	7	11	benchmark	benchmark	NOUN
ejif-4307	7	12	,	,	PUNCT
ejif-4307	7	13	and	and	CCONJ
ejif-4307	7	14	a	a	DET
ejif-4307	7	15	lack	lack	NOUN
ejif-4307	7	16	of	of	ADP
ejif-4307	7	17	shariah	shariah	PROPN
ejif-4307	7	18	scholars	scholar	NOUN
ejif-4307	7	19	are	be	AUX
ejif-4307	7	20	the	the	DET
ejif-4307	7	21	most	most	ADV
ejif-4307	7	22	pertinent	pertinent	ADJ
ejif-4307	7	23	current	current	ADJ
ejif-4307	7	24	issues	issue	NOUN
ejif-4307	7	25	for	for	ADP
ejif-4307	7	26	islamic	islamic	ADJ
ejif-4307	7	27	banks	bank	NOUN
ejif-4307	7	28	in	in	ADP
ejif-4307	7	29	malaysia	malaysia	PROPN
ejif-4307	7	30	.	.	PUNCT
ejif-4307	8	1	through	through	ADP
ejif-4307	8	2	the	the	DET
ejif-4307	8	3	supports	support	NOUN
ejif-4307	8	4	of	of	ADP
ejif-4307	8	5	scholars	scholar	NOUN
ejif-4307	8	6	,	,	PUNCT
ejif-4307	8	7	policy	policy	NOUN
ejif-4307	8	8	makers	maker	NOUN
ejif-4307	8	9	,	,	PUNCT
ejif-4307	8	10	and	and	CCONJ
ejif-4307	8	11	consumers	consumer	NOUN
ejif-4307	8	12	,	,	PUNCT
ejif-4307	8	13	these	these	DET
ejif-4307	8	14	issues	issue	NOUN
ejif-4307	8	15	can	can	AUX
ejif-4307	8	16	be	be	AUX
ejif-4307	8	17	resolved	resolve	VERB
ejif-4307	8	18	over	over	ADP
ejif-4307	8	19	time	time	NOUN
ejif-4307	8	20	with	with	ADP
ejif-4307	8	21	islamic	islamic	ADJ
ejif-4307	8	22	finance	finance	NOUN
ejif-4307	8	23	literacy	literacy	NOUN
ejif-4307	8	24	.	.	PUNCT
ejif-4307	9	1	the	the	DET
ejif-4307	9	2	outcome	outcome	NOUN
ejif-4307	9	3	of	of	ADP
ejif-4307	9	4	this	this	DET
ejif-4307	9	5	study	study	NOUN
ejif-4307	9	6	may	may	AUX
ejif-4307	9	7	benefit	benefit	VERB
ejif-4307	9	8	policy	policy	NOUN
ejif-4307	9	9	makers	maker	NOUN
ejif-4307	9	10	,	,	PUNCT
ejif-4307	9	11	investors	investor	NOUN
ejif-4307	9	12	,	,	PUNCT
ejif-4307	9	13	muslim	muslim	ADJ
ejif-4307	9	14	consumers	consumer	NOUN
ejif-4307	9	15	,	,	PUNCT
ejif-4307	9	16	as	as	ADV
ejif-4307	9	17	well	well	ADV
ejif-4307	9	18	as	as	ADP
ejif-4307	9	19	stakeholders	stakeholder	NOUN
ejif-4307	9	20	of	of	ADP
ejif-4307	9	21	islamic	islamic	ADJ
ejif-4307	9	22	banking	banking	NOUN
ejif-4307	9	23	and	and	CCONJ
ejif-4307	9	24	finance	finance	NOUN
ejif-4307	9	25	.	.	PUNCT
ejif-4307	10	1	keywords	keyword	NOUN
ejif-4307	10	2	:	:	PUNCT
ejif-4307	10	3	issues	issue	NOUN
ejif-4307	10	4	and	and	CCONJ
ejif-4307	10	5	challenges	challenge	NOUN
ejif-4307	10	6	,	,	PUNCT
ejif-4307	10	7	criticisms	criticism	NOUN
ejif-4307	10	8	,	,	PUNCT
ejif-4307	10	9	islamic	islamic	ADJ
ejif-4307	10	10	banks	bank	NOUN
ejif-4307	10	11	,	,	PUNCT
ejif-4307	10	12	islamic	islamic	ADJ
ejif-4307	10	13	banking	banking	NOUN
ejif-4307	10	14	and	and	CCONJ
ejif-4307	10	15	finance	finance	NOUN
ejif-4307	10	16	,	,	PUNCT
ejif-4307	10	17	malaysia	malaysia	PROPN
ejif-4307	10	18	i.	i.	PROPN
ejif-4307	10	19	introduction	introduction	PROPN
ejif-4307	10	20	islamic	islamic	PROPN
ejif-4307	10	21	banking	banking	NOUN
ejif-4307	10	22	is	be	AUX
ejif-4307	10	23	defined	define	VERB
ejif-4307	10	24	as	as	ADP
ejif-4307	10	25	a	a	DET
ejif-4307	10	26	banking	banking	NOUN
ejif-4307	10	27	system	system	NOUN
ejif-4307	10	28	which	which	PRON
ejif-4307	10	29	is	be	AUX
ejif-4307	10	30	in	in	ADP
ejif-4307	10	31	consonance	consonance	NOUN
ejif-4307	10	32	with	with	ADP
ejif-4307	10	33	the	the	DET
ejif-4307	10	34	spirit	spirit	NOUN
ejif-4307	10	35	,	,	PUNCT
ejif-4307	10	36	ethos	ethos	NOUN
ejif-4307	10	37	,	,	PUNCT
ejif-4307	10	38	and	and	CCONJ
ejif-4307	10	39	value	value	NOUN
ejif-4307	10	40	system	system	NOUN
ejif-4307	10	41	of	of	ADP
ejif-4307	10	42	islam	islam	PROPN
ejif-4307	10	43	and	and	CCONJ
ejif-4307	10	44	governed	govern	VERB
ejif-4307	10	45	by	by	ADP
ejif-4307	10	46	the	the	DET
ejif-4307	10	47	principles	principle	NOUN
ejif-4307	10	48	based	base	VERB
ejif-4307	10	49	on	on	ADP
ejif-4307	10	50	islamic	islamic	ADJ
ejif-4307	10	51	law	law	PROPN
ejif-4307	10	52	(	(	PUNCT
ejif-4307	10	53	shariah	shariah	PROPN
ejif-4307	10	54	)	)	PUNCT
ejif-4307	10	55	(	(	PUNCT
ejif-4307	10	56	kunhibava	kunhibava	NOUN
ejif-4307	10	57	,	,	PUNCT
ejif-4307	10	58	2012	2012	NUM
ejif-4307	10	59	;	;	PUNCT
ejif-4307	10	60	mustafa	mustafa	PROPN
ejif-4307	10	61	,	,	PUNCT
ejif-4307	10	62	2019	2019	NUM
ejif-4307	10	63	)	)	PUNCT
ejif-4307	10	64	.	.	PUNCT
ejif-4307	11	1	as	as	ADP
ejif-4307	11	2	a	a	DET
ejif-4307	11	3	consequence	consequence	NOUN
ejif-4307	11	4	,	,	PUNCT
ejif-4307	11	5	justice	justice	NOUN
ejif-4307	11	6	and	and	CCONJ
ejif-4307	11	7	fairness	fairness	NOUN
ejif-4307	11	8	are	be	AUX
ejif-4307	11	9	the	the	DET
ejif-4307	11	10	core	core	ADJ
ejif-4307	11	11	institutional	institutional	ADJ
ejif-4307	11	12	pillars	pillar	NOUN
ejif-4307	11	13	of	of	ADP
ejif-4307	11	14	islamic	islamic	ADJ
ejif-4307	11	15	law	law	NOUN
ejif-4307	11	16	and	and	CCONJ
ejif-4307	11	17	it‟s	it‟s	PROPN
ejif-4307	11	18	inherent	inherent	ADJ
ejif-4307	11	19	in	in	ADP
ejif-4307	11	20	the	the	DET
ejif-4307	11	21	legal	legal	ADJ
ejif-4307	11	22	framework	framework	NOUN
ejif-4307	11	23	to	to	PART
ejif-4307	11	24	ensure	ensure	VERB
ejif-4307	11	25	all	all	DET
ejif-4307	11	26	activities	activity	NOUN
ejif-4307	11	27	including	include	VERB
ejif-4307	11	28	economic	economic	ADJ
ejif-4307	11	29	endeavors	endeavor	NOUN
ejif-4307	11	30	are	be	AUX
ejif-4307	11	31	compliant(arumsari	compliant(arumsari	PROPN
ejif-4307	11	32	,	,	PUNCT
ejif-4307	11	33	wiranatakusuma	wiranatakusuma	PROPN
ejif-4307	11	34	,	,	PUNCT
ejif-4307	11	35	&	&	CCONJ
ejif-4307	11	36	ahmad	ahmad	PROPN
ejif-4307	11	37	,	,	PUNCT
ejif-4307	11	38	2018	2018	NUM
ejif-4307	11	39	;	;	PUNCT
ejif-4307	11	40	mohamed	mohame	VERB
ejif-4307	11	41	,	,	PUNCT
ejif-4307	11	42	2019	2019	NUM
ejif-4307	11	43	)	)	PUNCT
ejif-4307	11	44	.	.	PUNCT
ejif-4307	12	1	thus	thus	ADV
ejif-4307	12	2	,	,	PUNCT
ejif-4307	12	3	it	it	PRON
ejif-4307	12	4	follows	follow	VERB
ejif-4307	12	5	that	that	SCONJ
ejif-4307	12	6	shariah	shariah	PROPN
ejif-4307	12	7	,	,	PUNCT
ejif-4307	12	8	called	call	VERB
ejif-4307	12	9	fiqh	fiqh	PROPN
ejif-4307	12	10	muamalat	muamalat	NOUN
ejif-4307	12	11	(	(	PUNCT
ejif-4307	12	12	islamic	islamic	ADJ
ejif-4307	12	13	rules	rule	NOUN
ejif-4307	12	14	on	on	ADP
ejif-4307	12	15	transactions),the	transactions),the	DET
ejif-4307	12	16	rules	rule	NOUN
ejif-4307	12	17	and	and	CCONJ
ejif-4307	12	18	practices	practice	NOUN
ejif-4307	12	19	of	of	ADP
ejif-4307	12	20	fiqh	fiqh	NOUN
ejif-4307	12	21	muamalatare	muamalatare	NOUN
ejif-4307	12	22	derived	derive	VERB
ejif-4307	12	23	from	from	ADP
ejif-4307	12	24	the	the	DET
ejif-4307	12	25	quran	quran	PROPN
ejif-4307	12	26	and	and	CCONJ
ejif-4307	12	27	sunnah	sunnah	NOUN
ejif-4307	12	28	,	,	PUNCT
ejif-4307	12	29	as	as	ADV
ejif-4307	12	30	well	well	ADV
ejif-4307	12	31	as	as	ADP
ejif-4307	12	32	other	other	ADJ
ejif-4307	12	33	secondary	secondary	ADJ
ejif-4307	12	34	sources	source	NOUN
ejif-4307	12	35	of	of	ADP
ejif-4307	12	36	islamic	islamic	ADJ
ejif-4307	12	37	law	law	NOUN
ejif-4307	12	38	such	such	ADJ
ejif-4307	12	39	as	as	ADP
ejif-4307	12	40	opinions	opinion	NOUN
ejif-4307	12	41	collectively	collectively	ADV
ejif-4307	12	42	agreed	agree	VERB
ejif-4307	12	43	among	among	ADP
ejif-4307	12	44	shariah	shariah	PROPN
ejif-4307	12	45	scholars	scholar	NOUN
ejif-4307	12	46	,	,	PUNCT
ejif-4307	12	47	analogy	analogy	NOUN
ejif-4307	12	48	,	,	PUNCT
ejif-4307	12	49	and	and	CCONJ
ejif-4307	12	50	personal	personal	ADJ
ejif-4307	12	51	reasoning	reasoning	NOUN
ejif-4307	12	52	.	.	PUNCT
ejif-4307	13	1	interest	interest	NOUN
ejif-4307	13	2	free	free	ADJ
ejif-4307	13	3	banking	banking	NOUN
ejif-4307	13	4	is	be	AUX
ejif-4307	13	5	a	a	DET
ejif-4307	13	6	narrow	narrow	ADJ
ejif-4307	13	7	concept	concept	NOUN
ejif-4307	13	8	denoting	denote	VERB
ejif-4307	13	9	a	a	DET
ejif-4307	13	10	number	number	NOUN
ejif-4307	13	11	of	of	ADP
ejif-4307	13	12	banking	banking	NOUN
ejif-4307	13	13	instruments	instrument	NOUN
ejif-4307	13	14	or	or	CCONJ
ejif-4307	13	15	operations	operation	NOUN
ejif-4307	13	16	which	which	PRON
ejif-4307	13	17	evade	evade	VERB
ejif-4307	13	18	interest	interest	NOUN
ejif-4307	13	19	(	(	PUNCT
ejif-4307	13	20	rhanoui	rhanoui	NOUN
ejif-4307	13	21	&	&	CCONJ
ejif-4307	13	22	belkhoutout	belkhoutout	NOUN
ejif-4307	13	23	,	,	PUNCT
ejif-4307	13	24	2017	2017	NUM
ejif-4307	13	25	;	;	PUNCT
ejif-4307	13	26	samad	samad	PROPN
ejif-4307	13	27	,	,	PUNCT
ejif-4307	13	28	2019	2019	NUM
ejif-4307	13	29	;	;	PUNCT
ejif-4307	13	30	sanyinna	sanyinna	NOUN
ejif-4307	13	31	&	&	CCONJ
ejif-4307	13	32	omar	omar	PROPN
ejif-4307	13	33	,	,	PUNCT
ejif-4307	13	34	2017	2017	NUM
ejif-4307	13	35	)	)	PUNCT
ejif-4307	13	36	.	.	PUNCT
ejif-4307	14	1	islamic	islamic	PROPN
ejif-4307	14	2	banking	banking	PROPN
ejif-4307	14	3	,	,	PUNCT
ejif-4307	14	4	the	the	DET
ejif-4307	14	5	more	more	ADV
ejif-4307	14	6	general	general	ADJ
ejif-4307	14	7	term	term	NOUN
ejif-4307	14	8	,	,	PUNCT
ejif-4307	14	9	is	be	AUX
ejif-4307	14	10	not	not	PART
ejif-4307	14	11	only	only	ADV
ejif-4307	14	12	to	to	PART
ejif-4307	14	13	avoid	avoid	VERB
ejif-4307	14	14	interest	interest	NOUN
ejif-4307	14	15	-	-	PUNCT
ejif-4307	14	16	based	base	VERB
ejif-4307	14	17	transactions	transaction	NOUN
ejif-4307	14	18	banned	ban	VERB
ejif-4307	14	19	in	in	ADP
ejif-4307	14	20	islamic	islamic	PROPN
ejif-4307	14	21	shariah	shariah	PROPN
ejif-4307	14	22	,	,	PUNCT
ejif-4307	14	23	but	but	CCONJ
ejif-4307	14	24	also	also	ADV
ejif-4307	14	25	to	to	PART
ejif-4307	14	26	remove	remove	VERB
ejif-4307	14	27	unethical	unethical	ADJ
ejif-4307	14	28	and	and	CCONJ
ejif-4307	14	29	un	un	ADJ
ejif-4307	14	30	-	-	ADJ
ejif-4307	14	31	social	social	ADJ
ejif-4307	14	32	practices	practice	NOUN
ejif-4307	14	33	along	along	ADV
ejif-4307	14	34	with	with	ADP
ejif-4307	14	35	avoiding	avoid	VERB
ejif-4307	14	36	the	the	DET
ejif-4307	14	37	receipt	receipt	NOUN
ejif-4307	14	38	and	and	CCONJ
ejif-4307	14	39	payment	payment	NOUN
ejif-4307	14	40	of	of	ADP
ejif-4307	14	41	interest	interest	NOUN
ejif-4307	14	42	in	in	ADP
ejif-4307	14	43	its	its	PRON
ejif-4307	14	44	transactions	transaction	NOUN
ejif-4307	14	45	and	and	CCONJ
ejif-4307	14	46	operations(kunhibava	operations(kunhibava	PROPN
ejif-4307	14	47	,	,	PUNCT
ejif-4307	14	48	2012	2012	NUM
ejif-4307	14	49	)	)	PUNCT
ejif-4307	14	50	.	.	PUNCT
ejif-4307	15	1	in	in	ADP
ejif-4307	15	2	a	a	DET
ejif-4307	15	3	practical	practical	ADJ
ejif-4307	15	4	sense	sense	NOUN
ejif-4307	15	5	,	,	PUNCT
ejif-4307	15	6	islamic	islamic	ADJ
ejif-4307	15	7	banking	banking	NOUN
ejif-4307	15	8	is	be	AUX
ejif-4307	15	9	the	the	DET
ejif-4307	15	10	transformation	transformation	NOUN
ejif-4307	15	11	of	of	ADP
ejif-4307	15	12	conventional	conventional	ADJ
ejif-4307	15	13	money	money	NOUN
ejif-4307	15	14	lending	lending	NOUN
ejif-4307	15	15	into	into	ADP
ejif-4307	15	16	transactions	transaction	NOUN
ejif-4307	15	17	based	base	VERB
ejif-4307	15	18	on	on	ADP
ejif-4307	15	19	tangible	tangible	ADJ
ejif-4307	15	20	assets	asset	NOUN
ejif-4307	15	21	and	and	CCONJ
ejif-4307	15	22	real	real	ADJ
ejif-4307	15	23	services	service	NOUN
ejif-4307	15	24	and	and	CCONJ
ejif-4307	15	25	whose	whose	DET
ejif-4307	15	26	operation	operation	NOUN
ejif-4307	15	27	is	be	AUX
ejif-4307	15	28	based	base	VERB
ejif-4307	15	29	on	on	ADP
ejif-4307	15	30	islamic	islamic	ADJ
ejif-4307	15	31	principles	principle	NOUN
ejif-4307	15	32	of	of	ADP
ejif-4307	15	33	transactions	transaction	NOUN
ejif-4307	15	34	of	of	ADP
ejif-4307	15	35	which	which	DET
ejif-4307	15	36	profit	profit	NOUN
ejif-4307	15	37	and	and	CCONJ
ejif-4307	15	38	loss	loss	NOUN
ejif-4307	15	39	sharing	sharing	NOUN
ejif-4307	15	40	(	(	PUNCT
ejif-4307	15	41	pls	pls	INTJ
ejif-4307	15	42	)	)	PUNCT
ejif-4307	15	43	is	be	AUX
ejif-4307	15	44	also	also	ADV
ejif-4307	15	45	key	key	ADJ
ejif-4307	15	46	feature	feature	NOUN
ejif-4307	15	47	in	in	ADP
ejif-4307	15	48	islamic	islamic	ADJ
ejif-4307	15	49	banking	banking	NOUN
ejif-4307	15	50	,	,	PUNCT
ejif-4307	15	51	as	as	ADV
ejif-4307	15	52	well	well	ADV
ejif-4307	15	53	as	as	ADP
ejif-4307	15	54	participating	participate	VERB
ejif-4307	15	55	in	in	ADP
ejif-4307	15	56	a	a	DET
ejif-4307	15	57	business	business	NOUN
ejif-4307	15	58	with	with	ADP
ejif-4307	15	59	the	the	DET
ejif-4307	15	60	client	client	NOUN
ejif-4307	15	61	as	as	ADP
ejif-4307	15	62	financier	financier	NOUN
ejif-4307	15	63	in	in	ADP
ejif-4307	15	64	different	different	ADJ
ejif-4307	15	65	as	as	ADP
ejif-4307	15	66	financial	financial	ADJ
ejif-4307	15	67	positions	position	NOUN
ejif-4307	15	68	(	(	PUNCT
ejif-4307	15	69	lo	lo	PROPN
ejif-4307	15	70	&	&	CCONJ
ejif-4307	15	71	leow	leow	PROPN
ejif-4307	15	72	,	,	PUNCT
ejif-4307	15	73	2014	2014	NUM
ejif-4307	15	74	;	;	PUNCT
ejif-4307	15	75	samad	samad	PROPN
ejif-4307	15	76	,	,	PUNCT
ejif-4307	15	77	2019	2019	NUM
ejif-4307	15	78	)	)	PUNCT
ejif-4307	15	79	.	.	PUNCT
ejif-4307	16	1	however	however	ADV
ejif-4307	16	2	,	,	PUNCT
ejif-4307	16	3	odeduntan	odeduntan	ADJ
ejif-4307	16	4	and	and	CCONJ
ejif-4307	16	5	adewale(2013	adewale(2013	NUM
ejif-4307	16	6	)	)	PUNCT
ejif-4307	16	7	reiterated	reiterate	VERB
ejif-4307	16	8	that	that	SCONJ
ejif-4307	16	9	islamic	islamic	ADJ
ejif-4307	16	10	banks	bank	NOUN
ejif-4307	16	11	are	be	AUX
ejif-4307	16	12	steadier	steady	ADJ
ejif-4307	16	13	than	than	ADP
ejif-4307	16	14	conventional	conventional	ADJ
ejif-4307	16	15	banks	bank	NOUN
ejif-4307	16	16	in	in	ADP
ejif-4307	16	17	terms	term	NOUN
ejif-4307	16	18	of	of	ADP
ejif-4307	16	19	their	their	PRON
ejif-4307	16	20	financial	financial	ADJ
ejif-4307	16	21	engagements	engagement	NOUN
ejif-4307	16	22	in	in	ADP
ejif-4307	16	23	the	the	DET
ejif-4307	16	24	current	current	ADJ
ejif-4307	16	25	time	time	NOUN
ejif-4307	16	26	.	.	PUNCT
ejif-4307	17	1	the	the	DET
ejif-4307	17	2	model	model	NOUN
ejif-4307	17	3	of	of	ADP
ejif-4307	17	4	an	an	DET
ejif-4307	17	5	islamic	islamic	ADJ
ejif-4307	17	6	banking	banking	NOUN
ejif-4307	17	7	system	system	NOUN
ejif-4307	17	8	leads	lead	VERB
ejif-4307	17	9	towards	towards	ADP
ejif-4307	17	10	the	the	DET
ejif-4307	17	11	achievement	achievement	NOUN
ejif-4307	17	12	of	of	ADP
ejif-4307	17	13	a	a	DET
ejif-4307	17	14	system	system	NOUN
ejif-4307	17	15	which	which	PRON
ejif-4307	17	16	helps	help	VERB
ejif-4307	17	17	to	to	PART
ejif-4307	17	18	achieve	achieve	VERB
ejif-4307	17	19	the	the	DET
ejif-4307	17	20	objectives	objective	NOUN
ejif-4307	17	21	of	of	ADP
ejif-4307	17	22	islamic	islamic	ADJ
ejif-4307	17	23	economic	economic	ADJ
ejif-4307	17	24	prosperity	prosperity	NOUN
ejif-4307	17	25	.	.	PUNCT
ejif-4307	18	1	along	along	ADP
ejif-4307	18	2	with	with	ADP
ejif-4307	18	3	the	the	DET
ejif-4307	18	4	growth	growth	NOUN
ejif-4307	18	5	of	of	ADP
ejif-4307	18	6	islamic	islamic	ADJ
ejif-4307	18	7	banking	banking	NOUN
ejif-4307	18	8	globally	globally	ADV
ejif-4307	18	9	(	(	PUNCT
ejif-4307	18	10	aldarabseh	aldarabseh	PROPN
ejif-4307	18	11	,	,	PUNCT
ejif-4307	18	12	2019	2019	NUM
ejif-4307	18	13	;	;	PUNCT
ejif-4307	18	14	rhanoui	rhanoui	PROPN
ejif-4307	18	15	&	&	CCONJ
ejif-4307	18	16	mohammad	mohammad	PROPN
ejif-4307	18	17	abdul	abdul	PROPN
ejif-4307	18	18	matin	matin	PROPN
ejif-4307	18	19	chowdhury	chowdhury	PROPN
ejif-4307	18	20	1	1	NUM
ejif-4307	18	21	,	,	PUNCT
ejif-4307	18	22	md	md	PROPN
ejif-4307	18	23	.	.	PROPN
ejif-4307	18	24	abdullah	abdullah	PROPN
ejif-4307	18	25	al	al	PROPN
ejif-4307	18	26	masud	masud	PROPN
ejif-4307	18	27	2	2	NUM
ejif-4307	18	28	,	,	PUNCT
ejif-4307	18	29	md	md	PROPN
ejif-4307	18	30	atiullah	atiullah	ADP
ejif-4307	18	31	3	3	NUM
ejif-4307	18	32	,	,	PUNCT
ejif-4307	18	33	and	and	CCONJ
ejif-4307	18	34	jayadul	jayadul	PROPN
ejif-4307	18	35	islam	islam	PROPN
ejif-4307	18	36	tanvir	tanvir	PROPN
ejif-4307	18	37	4	4	NUM
ejif-4307	18	38	ejif	ejif	ADJ
ejif-4307	18	39	–	–	PUNCT
ejif-4307	18	40	european	european	ADJ
ejif-4307	18	41	journal	journal	PROPN
ejif-4307	18	42	of	of	ADP
ejif-4307	18	43	islamic	islamic	PROPN
ejif-4307	18	44	finance	finance	PROPN
ejif-4307	18	45	no15	no15	PROPN
ejif-4307	18	46	,	,	PUNCT
ejif-4307	18	47	august	august	PROPN
ejif-4307	18	48	(	(	PUNCT
ejif-4307	18	49	2020	2020	NUM
ejif-4307	18	50	)	)	PUNCT
ejif-4307	19	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	19	2	issn	issn	VERB
ejif-4307	19	3	2421	2421	NUM
ejif-4307	19	4	-	-	SYM
ejif-4307	19	5	2172	2172	NUM
ejif-4307	19	6	2	2	NUM
ejif-4307	19	7	belkhoutout	belkhoutout	NOUN
ejif-4307	19	8	,	,	PUNCT
ejif-4307	19	9	2017	2017	NUM
ejif-4307	19	10	)	)	PUNCT
ejif-4307	19	11	,	,	PUNCT
ejif-4307	19	12	the	the	DET
ejif-4307	19	13	islamic	islamic	ADJ
ejif-4307	19	14	banking	banking	NOUN
ejif-4307	19	15	sector	sector	NOUN
ejif-4307	19	16	has	have	AUX
ejif-4307	19	17	taken	take	VERB
ejif-4307	19	18	further	further	ADJ
ejif-4307	19	19	steps	step	NOUN
ejif-4307	19	20	in	in	ADP
ejif-4307	19	21	malaysia	malaysia	PROPN
ejif-4307	19	22	by	by	ADP
ejif-4307	19	23	the	the	DET
ejif-4307	19	24	grace	grace	NOUN
ejif-4307	19	25	of	of	ADP
ejif-4307	19	26	the	the	DET
ejif-4307	19	27	almighty	almighty	ADJ
ejif-4307	19	28	and	and	CCONJ
ejif-4307	19	29	through	through	ADP
ejif-4307	19	30	the	the	DET
ejif-4307	19	31	efforts	effort	NOUN
ejif-4307	19	32	of	of	ADP
ejif-4307	19	33	malaysian	malaysian	ADJ
ejif-4307	19	34	central	central	PROPN
ejif-4307	19	35	bank	bank	PROPN
ejif-4307	19	36	(	(	PUNCT
ejif-4307	19	37	bnm	bnm	PROPN
ejif-4307	19	38	)	)	PUNCT
ejif-4307	19	39	(	(	PUNCT
ejif-4307	19	40	majid	majid	PROPN
ejif-4307	19	41	,	,	PUNCT
ejif-4307	19	42	samsudin	samsudin	PROPN
ejif-4307	19	43	,	,	PUNCT
ejif-4307	19	44	laton	laton	PROPN
ejif-4307	19	45	,	,	PUNCT
ejif-4307	19	46	&	&	CCONJ
ejif-4307	19	47	aziz	aziz	PROPN
ejif-4307	19	48	,	,	PUNCT
ejif-4307	19	49	2016	2016	NUM
ejif-4307	19	50	)	)	PUNCT
ejif-4307	19	51	.	.	PUNCT
ejif-4307	20	1	malaysia	malaysia	PROPN
ejif-4307	20	2	is	be	AUX
ejif-4307	20	3	said	say	VERB
ejif-4307	20	4	to	to	PART
ejif-4307	20	5	be	be	AUX
ejif-4307	20	6	the	the	DET
ejif-4307	20	7	hub	hub	NOUN
ejif-4307	20	8	for	for	ADP
ejif-4307	20	9	the	the	DET
ejif-4307	20	10	islamic	islamic	ADJ
ejif-4307	20	11	banking	banking	NOUN
ejif-4307	20	12	industry	industry	NOUN
ejif-4307	20	13	in	in	ADP
ejif-4307	20	14	the	the	DET
ejif-4307	20	15	world	world	NOUN
ejif-4307	20	16	(	(	PUNCT
ejif-4307	20	17	lo	lo	PROPN
ejif-4307	20	18	&	&	CCONJ
ejif-4307	20	19	leow	leow	PROPN
ejif-4307	20	20	,	,	PUNCT
ejif-4307	20	21	2014	2014	NUM
ejif-4307	20	22	;	;	PUNCT
ejif-4307	21	1	majid	majid	PROPN
ejif-4307	21	2	et	et	PROPN
ejif-4307	21	3	al	al	PROPN
ejif-4307	21	4	.	.	PROPN
ejif-4307	21	5	,	,	PUNCT
ejif-4307	21	6	2016	2016	NUM
ejif-4307	21	7	)	)	PUNCT
ejif-4307	21	8	.	.	PUNCT
ejif-4307	22	1	nowadays	nowadays	ADV
ejif-4307	22	2	,	,	PUNCT
ejif-4307	22	3	the	the	DET
ejif-4307	22	4	number	number	NOUN
ejif-4307	22	5	of	of	ADP
ejif-4307	22	6	banks	bank	NOUN
ejif-4307	22	7	is	be	AUX
ejif-4307	22	8	growing	grow	VERB
ejif-4307	22	9	,	,	PUNCT
ejif-4307	22	10	as	as	ADV
ejif-4307	22	11	well	well	ADV
ejif-4307	22	12	as	as	ADP
ejif-4307	22	13	facing	face	VERB
ejif-4307	22	14	challenges	challenge	NOUN
ejif-4307	22	15	and	and	CCONJ
ejif-4307	22	16	criticisms	criticism	NOUN
ejif-4307	22	17	by	by	ADP
ejif-4307	22	18	the	the	DET
ejif-4307	22	19	public	public	ADJ
ejif-4307	22	20	and	and	CCONJ
ejif-4307	22	21	policy	policy	NOUN
ejif-4307	22	22	makers	maker	NOUN
ejif-4307	22	23	in	in	ADP
ejif-4307	22	24	regards	regard	NOUN
ejif-4307	22	25	to	to	ADP
ejif-4307	22	26	current	current	ADJ
ejif-4307	22	27	islamic	islamic	ADJ
ejif-4307	22	28	banking	banking	NOUN
ejif-4307	22	29	practices	practice	NOUN
ejif-4307	22	30	.	.	PUNCT
ejif-4307	23	1	moreover	moreover	ADV
ejif-4307	23	2	,	,	PUNCT
ejif-4307	23	3	the	the	DET
ejif-4307	23	4	rapid	rapid	ADJ
ejif-4307	23	5	growth	growth	NOUN
ejif-4307	23	6	of	of	ADP
ejif-4307	23	7	the	the	DET
ejif-4307	23	8	islamic	islamic	ADJ
ejif-4307	23	9	banking	banking	NOUN
ejif-4307	23	10	sector	sector	NOUN
ejif-4307	23	11	worldwide	worldwide	ADV
ejif-4307	23	12	has	have	AUX
ejif-4307	23	13	opened	open	VERB
ejif-4307	23	14	the	the	DET
ejif-4307	23	15	eyes	eye	NOUN
ejif-4307	23	16	of	of	ADP
ejif-4307	23	17	policymakers	policymaker	NOUN
ejif-4307	23	18	and	and	CCONJ
ejif-4307	23	19	shareholders	shareholder	NOUN
ejif-4307	23	20	in	in	ADP
ejif-4307	23	21	conventional	conventional	ADJ
ejif-4307	23	22	banks	bank	NOUN
ejif-4307	23	23	(	(	PUNCT
ejif-4307	23	24	biancone	biancone	NOUN
ejif-4307	23	25	&	&	CCONJ
ejif-4307	23	26	radwan	radwan	PROPN
ejif-4307	23	27	,	,	PUNCT
ejif-4307	23	28	2016	2016	NUM
ejif-4307	23	29	)	)	PUNCT
ejif-4307	23	30	.	.	PUNCT
ejif-4307	24	1	in	in	ADP
ejif-4307	24	2	terms	term	NOUN
ejif-4307	24	3	of	of	ADP
ejif-4307	24	4	trust	trust	NOUN
ejif-4307	24	5	and	and	CCONJ
ejif-4307	24	6	confidence	confidence	NOUN
ejif-4307	24	7	in	in	ADP
ejif-4307	24	8	islamic	islamic	ADJ
ejif-4307	24	9	banks	bank	NOUN
ejif-4307	24	10	as	as	SCONJ
ejif-4307	24	11	compared	compare	VERB
ejif-4307	24	12	to	to	ADP
ejif-4307	24	13	conventional	conventional	ADJ
ejif-4307	24	14	banks	bank	NOUN
ejif-4307	24	15	,	,	PUNCT
ejif-4307	24	16	it	it	PRON
ejif-4307	24	17	has	have	AUX
ejif-4307	24	18	been	be	AUX
ejif-4307	24	19	found	find	VERB
ejif-4307	24	20	that	that	SCONJ
ejif-4307	24	21	,	,	PUNCT
ejif-4307	24	22	though	though	SCONJ
ejif-4307	24	23	islamic	islamic	ADJ
ejif-4307	24	24	banks	bank	NOUN
ejif-4307	24	25	have	have	VERB
ejif-4307	24	26	less	less	ADJ
ejif-4307	24	27	liquidity	liquidity	NOUN
ejif-4307	24	28	,	,	PUNCT
ejif-4307	24	29	these	these	DET
ejif-4307	24	30	banks	bank	NOUN
ejif-4307	24	31	provide	provide	VERB
ejif-4307	24	32	more	more	ADJ
ejif-4307	24	33	assurance	assurance	NOUN
ejif-4307	24	34	and	and	CCONJ
ejif-4307	24	35	confidence	confidence	NOUN
ejif-4307	24	36	to	to	ADP
ejif-4307	24	37	their	their	PRON
ejif-4307	24	38	customers	customer	NOUN
ejif-4307	24	39	(	(	PUNCT
ejif-4307	24	40	rahman	rahman	PROPN
ejif-4307	24	41	,	,	PUNCT
ejif-4307	24	42	2019	2019	NUM
ejif-4307	24	43	;	;	PUNCT
ejif-4307	24	44	biancone	biancone	NOUN
ejif-4307	24	45	&	&	CCONJ
ejif-4307	24	46	radwan	radwan	PROPN
ejif-4307	24	47	,	,	PUNCT
ejif-4307	24	48	2018).attention	2018).attention	NOUN
ejif-4307	24	49	has	have	AUX
ejif-4307	24	50	also	also	ADV
ejif-4307	24	51	been	be	AUX
ejif-4307	24	52	drawn	draw	VERB
ejif-4307	24	53	by	by	ADP
ejif-4307	24	54	western	western	ADJ
ejif-4307	24	55	countries	country	NOUN
ejif-4307	24	56	and	and	CCONJ
ejif-4307	24	57	the	the	DET
ejif-4307	24	58	business	business	NOUN
ejif-4307	24	59	community	community	NOUN
ejif-4307	24	60	from	from	ADP
ejif-4307	24	61	all	all	DET
ejif-4307	24	62	other	other	ADJ
ejif-4307	24	63	faiths	faith	NOUN
ejif-4307	24	64	.	.	PUNCT
ejif-4307	25	1	transactions	transaction	NOUN
ejif-4307	25	2	in	in	ADP
ejif-4307	25	3	islamic	islamic	ADJ
ejif-4307	25	4	finance	finance	NOUN
ejif-4307	25	5	and	and	CCONJ
ejif-4307	25	6	banking	banking	NOUN
ejif-4307	25	7	are	be	AUX
ejif-4307	25	8	facing	face	VERB
ejif-4307	25	9	challenges	challenge	NOUN
ejif-4307	25	10	in	in	ADP
ejif-4307	25	11	the	the	DET
ejif-4307	25	12	modern	modern	ADJ
ejif-4307	25	13	era	era	NOUN
ejif-4307	25	14	of	of	ADP
ejif-4307	25	15	technology	technology	NOUN
ejif-4307	25	16	and	and	CCONJ
ejif-4307	25	17	economic	economic	ADJ
ejif-4307	25	18	development	development	NOUN
ejif-4307	25	19	.	.	PUNCT
ejif-4307	26	1	for	for	ADP
ejif-4307	26	2	instance	instance	NOUN
ejif-4307	26	3	;	;	PUNCT
ejif-4307	26	4	a	a	DET
ejif-4307	26	5	lack	lack	NOUN
ejif-4307	26	6	of	of	ADP
ejif-4307	26	7	qualified	qualified	ADJ
ejif-4307	26	8	islamic	islamic	ADJ
ejif-4307	26	9	economic	economic	ADJ
ejif-4307	26	10	expert	expert	NOUN
ejif-4307	26	11	,	,	PUNCT
ejif-4307	26	12	particularly	particularly	ADV
ejif-4307	26	13	those	those	PRON
ejif-4307	26	14	that	that	PRON
ejif-4307	26	15	have	have	VERB
ejif-4307	26	16	both	both	CCONJ
ejif-4307	26	17	conventional	conventional	ADJ
ejif-4307	26	18	banking	banking	NOUN
ejif-4307	26	19	and	and	CCONJ
ejif-4307	26	20	shariah	shariah	PROPN
ejif-4307	26	21	background	background	NOUN
ejif-4307	26	22	(	(	PUNCT
ejif-4307	26	23	supardin	supardin	PROPN
ejif-4307	26	24	,	,	PUNCT
ejif-4307	26	25	2020	2020	NUM
ejif-4307	26	26	)	)	PUNCT
ejif-4307	26	27	.	.	PUNCT
ejif-4307	27	1	furthermore	furthermore	ADV
ejif-4307	27	2	,	,	PUNCT
ejif-4307	27	3	islamic	islamic	ADJ
ejif-4307	27	4	banks	bank	NOUN
ejif-4307	27	5	are	be	AUX
ejif-4307	27	6	criticised	criticise	VERB
ejif-4307	27	7	for	for	ADP
ejif-4307	27	8	being	be	AUX
ejif-4307	27	9	too	too	ADV
ejif-4307	27	10	similar	similar	ADJ
ejif-4307	27	11	to	to	ADP
ejif-4307	27	12	conventional	conventional	ADJ
ejif-4307	27	13	banking	banking	NOUN
ejif-4307	27	14	in	in	ADP
ejif-4307	27	15	malaysia	malaysia	PROPN
ejif-4307	27	16	(	(	PUNCT
ejif-4307	27	17	kitamura	kitamura	PROPN
ejif-4307	27	18	,	,	PUNCT
ejif-4307	27	19	2019	2019	NUM
ejif-4307	27	20	)	)	PUNCT
ejif-4307	27	21	.	.	PUNCT
ejif-4307	28	1	these	these	DET
ejif-4307	28	2	critiques	critique	NOUN
ejif-4307	28	3	and	and	CCONJ
ejif-4307	28	4	issues	issue	NOUN
ejif-4307	28	5	have	have	AUX
ejif-4307	28	6	been	be	AUX
ejif-4307	28	7	described	describe	VERB
ejif-4307	28	8	by	by	ADP
ejif-4307	28	9	consumers	consumer	NOUN
ejif-4307	28	10	and	and	CCONJ
ejif-4307	28	11	policymakers	policymaker	NOUN
ejif-4307	28	12	as	as	ADV
ejif-4307	28	13	well	well	ADV
ejif-4307	28	14	as	as	ADP
ejif-4307	28	15	shareholders	shareholder	NOUN
ejif-4307	28	16	,	,	PUNCT
ejif-4307	28	17	expressing	express	VERB
ejif-4307	28	18	concerns	concern	NOUN
ejif-4307	28	19	about	about	ADP
ejif-4307	28	20	shariah	shariah	PROPN
ejif-4307	28	21	compliance	compliance	NOUN
ejif-4307	28	22	and	and	CCONJ
ejif-4307	28	23	the	the	DET
ejif-4307	28	24	interest	interest	NOUN
ejif-4307	28	25	rate	rate	NOUN
ejif-4307	28	26	benchmark	benchmark	NOUN
ejif-4307	28	27	.	.	PUNCT
ejif-4307	29	1	the	the	DET
ejif-4307	29	2	core	core	NOUN
ejif-4307	29	3	objective	objective	NOUN
ejif-4307	29	4	of	of	ADP
ejif-4307	29	5	this	this	DET
ejif-4307	29	6	research	research	NOUN
ejif-4307	29	7	is	be	AUX
ejif-4307	29	8	to	to	PART
ejif-4307	29	9	analyse	analyse	VERB
ejif-4307	29	10	the	the	DET
ejif-4307	29	11	criticisms	criticism	NOUN
ejif-4307	29	12	and	and	CCONJ
ejif-4307	29	13	challenges	challenge	NOUN
ejif-4307	29	14	of	of	ADP
ejif-4307	29	15	the	the	DET
ejif-4307	29	16	current	current	ADJ
ejif-4307	29	17	islamic	islamic	ADJ
ejif-4307	29	18	banking	banking	NOUN
ejif-4307	29	19	practices	practice	NOUN
ejif-4307	29	20	in	in	ADP
ejif-4307	29	21	malaysia	malaysia	NOUN
ejif-4307	29	22	which	which	PRON
ejif-4307	29	23	have	have	AUX
ejif-4307	29	24	arose	arise	VERB
ejif-4307	29	25	throughout	throughout	ADP
ejif-4307	29	26	the	the	DET
ejif-4307	29	27	years	year	NOUN
ejif-4307	29	28	.	.	PUNCT
ejif-4307	30	1	in	in	ADP
ejif-4307	30	2	addition	addition	NOUN
ejif-4307	30	3	,	,	PUNCT
ejif-4307	30	4	past	past	ADP
ejif-4307	30	5	research	research	NOUN
ejif-4307	30	6	and	and	CCONJ
ejif-4307	30	7	consumers	consumer	NOUN
ejif-4307	30	8	have	have	AUX
ejif-4307	30	9	also	also	ADV
ejif-4307	30	10	acknowledged	acknowledge	VERB
ejif-4307	30	11	the	the	DET
ejif-4307	30	12	facts	fact	NOUN
ejif-4307	30	13	and	and	CCONJ
ejif-4307	30	14	that	that	SCONJ
ejif-4307	30	15	banks	bank	NOUN
ejif-4307	30	16	need	need	VERB
ejif-4307	30	17	to	to	PART
ejif-4307	30	18	deliver	deliver	VERB
ejif-4307	30	19	effective	effective	ADJ
ejif-4307	30	20	evidence	evidence	NOUN
ejif-4307	30	21	to	to	PART
ejif-4307	30	22	ensure	ensure	VERB
ejif-4307	30	23	the	the	DET
ejif-4307	30	24	compatibility	compatibility	NOUN
ejif-4307	30	25	of	of	ADP
ejif-4307	30	26	current	current	ADJ
ejif-4307	30	27	islamic	islamic	ADJ
ejif-4307	30	28	banking	banking	NOUN
ejif-4307	30	29	practices	practice	NOUN
ejif-4307	30	30	are	be	AUX
ejif-4307	30	31	abided	abide	VERB
ejif-4307	30	32	by	by	ADP
ejif-4307	30	33	under	under	ADP
ejif-4307	30	34	shariah	shariah	PROPN
ejif-4307	30	35	rules	rule	NOUN
ejif-4307	30	36	and	and	CCONJ
ejif-4307	30	37	regulations	regulation	NOUN
ejif-4307	30	38	.	.	PUNCT
ejif-4307	31	1	nonetheless	nonetheless	ADV
ejif-4307	31	2	,	,	PUNCT
ejif-4307	31	3	to	to	PART
ejif-4307	31	4	achieve	achieve	VERB
ejif-4307	31	5	the	the	DET
ejif-4307	31	6	objective	objective	NOUN
ejif-4307	31	7	of	of	ADP
ejif-4307	31	8	this	this	DET
ejif-4307	31	9	paper	paper	NOUN
ejif-4307	31	10	,	,	PUNCT
ejif-4307	31	11	there	there	PRON
ejif-4307	31	12	are	be	VERB
ejif-4307	31	13	two	two	NUM
ejif-4307	31	14	questions	question	NOUN
ejif-4307	31	15	to	to	PART
ejif-4307	31	16	be	be	AUX
ejif-4307	31	17	scrutinised	scrutinise	VERB
ejif-4307	31	18	.	.	PUNCT
ejif-4307	32	1	firstly	firstly	ADV
ejif-4307	32	2	,	,	PUNCT
ejif-4307	32	3	how	how	SCONJ
ejif-4307	32	4	does	do	AUX
ejif-4307	32	5	the	the	DET
ejif-4307	32	6	islamic	islamic	ADJ
ejif-4307	32	7	banking	banking	NOUN
ejif-4307	32	8	industry	industry	NOUN
ejif-4307	32	9	remain	remain	VERB
ejif-4307	32	10	compliant	compliant	ADJ
ejif-4307	32	11	with	with	ADP
ejif-4307	32	12	islamic	islamic	ADJ
ejif-4307	32	13	knowledge	knowledge	NOUN
ejif-4307	32	14	and	and	CCONJ
ejif-4307	32	15	shariah	shariah	PROPN
ejif-4307	32	16	compliance	compliance	NOUN
ejif-4307	32	17	?	?	PUNCT
ejif-4307	33	1	secondly	secondly	ADV
ejif-4307	33	2	,	,	PUNCT
ejif-4307	33	3	how	how	SCONJ
ejif-4307	33	4	are	be	AUX
ejif-4307	33	5	islamic	islamic	ADJ
ejif-4307	33	6	banks	bank	NOUN
ejif-4307	33	7	going	go	VERB
ejif-4307	33	8	to	to	PART
ejif-4307	33	9	improve	improve	VERB
ejif-4307	33	10	the	the	DET
ejif-4307	33	11	current	current	ADJ
ejif-4307	33	12	practices	practice	NOUN
ejif-4307	33	13	of	of	ADP
ejif-4307	33	14	the	the	DET
ejif-4307	33	15	islamic	islamic	ADJ
ejif-4307	33	16	banking	banking	NOUN
ejif-4307	33	17	industry	industry	NOUN
ejif-4307	33	18	to	to	PART
ejif-4307	33	19	enhance	enhance	VERB
ejif-4307	33	20	their	their	PRON
ejif-4307	33	21	sustainability	sustainability	NOUN
ejif-4307	33	22	?	?	PUNCT
ejif-4307	34	1	ii	ii	PROPN
ejif-4307	34	2	.	.	PUNCT
ejif-4307	35	1	theoretical	theoretical	ADJ
ejif-4307	35	2	background	background	NOUN
ejif-4307	35	3	in	in	ADP
ejif-4307	35	4	this	this	DET
ejif-4307	35	5	paper	paper	NOUN
ejif-4307	35	6	,	,	PUNCT
ejif-4307	35	7	two	two	NUM
ejif-4307	35	8	theories	theory	NOUN
ejif-4307	35	9	are	be	AUX
ejif-4307	35	10	being	be	AUX
ejif-4307	35	11	adopted	adopt	VERB
ejif-4307	35	12	and	and	CCONJ
ejif-4307	35	13	discussed	discuss	VERB
ejif-4307	35	14	to	to	PART
ejif-4307	35	15	explain	explain	VERB
ejif-4307	35	16	the	the	DET
ejif-4307	35	17	contemporary	contemporary	ADJ
ejif-4307	35	18	issues	issue	NOUN
ejif-4307	35	19	and	and	CCONJ
ejif-4307	35	20	challenges	challenge	NOUN
ejif-4307	35	21	of	of	ADP
ejif-4307	35	22	current	current	ADJ
ejif-4307	35	23	islamic	islamic	ADJ
ejif-4307	35	24	banking	banking	NOUN
ejif-4307	35	25	practices	practice	NOUN
ejif-4307	35	26	.	.	PUNCT
ejif-4307	36	1	namely	namely	ADV
ejif-4307	36	2	,	,	PUNCT
ejif-4307	36	3	islamic	islamic	ADJ
ejif-4307	36	4	banking	banking	NOUN
ejif-4307	36	5	and	and	CCONJ
ejif-4307	36	6	finance	finance	NOUN
ejif-4307	36	7	theory	theory	NOUN
ejif-4307	36	8	and	and	CCONJ
ejif-4307	36	9	the	the	DET
ejif-4307	36	10	tawhidic	tawhidic	ADJ
ejif-4307	36	11	paradigm	paradigm	NOUN
ejif-4307	36	12	will	will	AUX
ejif-4307	36	13	be	be	AUX
ejif-4307	36	14	discussed	discuss	VERB
ejif-4307	36	15	.	.	PUNCT
ejif-4307	37	1	these	these	DET
ejif-4307	37	2	theories	theory	NOUN
ejif-4307	37	3	also	also	ADV
ejif-4307	37	4	are	be	AUX
ejif-4307	37	5	facilitated	facilitate	VERB
ejif-4307	37	6	by	by	ADP
ejif-4307	37	7	the	the	DET
ejif-4307	37	8	authors	author	NOUN
ejif-4307	37	9	to	to	PART
ejif-4307	37	10	provide	provide	VERB
ejif-4307	37	11	in	in	ADP
ejif-4307	37	12	-	-	PUNCT
ejif-4307	37	13	depth	depth	NOUN
ejif-4307	37	14	knowledge	knowledge	NOUN
ejif-4307	37	15	concerning	concern	VERB
ejif-4307	37	16	islamic	islamic	ADJ
ejif-4307	37	17	banking	banking	NOUN
ejif-4307	37	18	and	and	CCONJ
ejif-4307	37	19	its	its	PRON
ejif-4307	37	20	current	current	ADJ
ejif-4307	37	21	practices	practice	NOUN
ejif-4307	37	22	.	.	PUNCT
ejif-4307	38	1	a.	a.	PROPN
ejif-4307	38	2	islamic	islamic	PROPN
ejif-4307	38	3	banking	banking	PROPN
ejif-4307	38	4	islamic	islamic	PROPN
ejif-4307	38	5	banking	banking	NOUN
ejif-4307	38	6	is	be	AUX
ejif-4307	38	7	the	the	DET
ejif-4307	38	8	way	way	NOUN
ejif-4307	38	9	of	of	ADP
ejif-4307	38	10	conducting	conduct	VERB
ejif-4307	38	11	transactions	transaction	NOUN
ejif-4307	38	12	which	which	PRON
ejif-4307	38	13	observes	observe	VERB
ejif-4307	38	14	islamic	islamic	ADJ
ejif-4307	38	15	rules	rule	NOUN
ejif-4307	38	16	and	and	CCONJ
ejif-4307	38	17	regulations	regulation	NOUN
ejif-4307	38	18	(	(	PUNCT
ejif-4307	38	19	samad	samad	PROPN
ejif-4307	38	20	,	,	PUNCT
ejif-4307	38	21	2019	2019	NUM
ejif-4307	38	22	)	)	PUNCT
ejif-4307	38	23	.	.	PUNCT
ejif-4307	39	1	it	it	PRON
ejif-4307	39	2	is	be	AUX
ejif-4307	39	3	mainly	mainly	ADV
ejif-4307	39	4	to	to	PART
ejif-4307	39	5	confirm	confirm	VERB
ejif-4307	39	6	the	the	DET
ejif-4307	39	7	eligibility	eligibility	NOUN
ejif-4307	39	8	of	of	ADP
ejif-4307	39	9	islamic	islamic	ADJ
ejif-4307	39	10	norms	norm	NOUN
ejif-4307	39	11	in	in	ADP
ejif-4307	39	12	transactions(rhanoui	transactions(rhanoui	PROPN
ejif-4307	39	13	&	&	CCONJ
ejif-4307	39	14	belkhoutout	belkhoutout	NOUN
ejif-4307	39	15	,	,	PUNCT
ejif-4307	39	16	2017	2017	NUM
ejif-4307	39	17	)	)	PUNCT
ejif-4307	39	18	.	.	PUNCT
ejif-4307	40	1	in	in	ADP
ejif-4307	40	2	malaysia	malaysia	PROPN
ejif-4307	40	3	,	,	PUNCT
ejif-4307	40	4	islamic	islamic	ADJ
ejif-4307	40	5	banking	banking	NOUN
ejif-4307	40	6	activities	activity	NOUN
ejif-4307	40	7	started	start	VERB
ejif-4307	40	8	in	in	ADP
ejif-4307	40	9	the	the	DET
ejif-4307	40	10	1980s	1980	NOUN
ejif-4307	40	11	(	(	PUNCT
ejif-4307	40	12	kunhibava	kunhibava	NOUN
ejif-4307	40	13	,	,	PUNCT
ejif-4307	40	14	2012	2012	NUM
ejif-4307	40	15	;	;	PUNCT
ejif-4307	40	16	lo	lo	PROPN
ejif-4307	40	17	&	&	CCONJ
ejif-4307	40	18	leow	leow	PROPN
ejif-4307	40	19	,	,	PUNCT
ejif-4307	40	20	2014	2014	NUM
ejif-4307	40	21	)	)	PUNCT
ejif-4307	40	22	and	and	CCONJ
ejif-4307	40	23	the	the	DET
ejif-4307	40	24	first	first	ADJ
ejif-4307	40	25	ever	ever	ADV
ejif-4307	40	26	fully	fully	ADV
ejif-4307	40	27	fledged	fledge	VERB
ejif-4307	40	28	islamic	islamic	PROPN
ejif-4307	40	29	bank	bank	PROPN
ejif-4307	40	30	was	be	AUX
ejif-4307	40	31	established	establish	VERB
ejif-4307	40	32	in	in	ADP
ejif-4307	40	33	1983	1983	NUM
ejif-4307	40	34	,	,	PUNCT
ejif-4307	40	35	offering	offer	VERB
ejif-4307	40	36	islamic	islamic	ADJ
ejif-4307	40	37	banking	banking	NOUN
ejif-4307	40	38	products	product	NOUN
ejif-4307	40	39	and	and	CCONJ
ejif-4307	40	40	services	service	NOUN
ejif-4307	40	41	(	(	PUNCT
ejif-4307	40	42	kunhibava	kunhibava	NOUN
ejif-4307	40	43	,	,	PUNCT
ejif-4307	40	44	2012	2012	NUM
ejif-4307	40	45	)	)	PUNCT
ejif-4307	40	46	.	.	PUNCT
ejif-4307	41	1	however	however	ADV
ejif-4307	41	2	,	,	PUNCT
ejif-4307	41	3	over	over	ADP
ejif-4307	41	4	time	time	NOUN
ejif-4307	41	5	,	,	PUNCT
ejif-4307	41	6	there	there	PRON
ejif-4307	41	7	have	have	AUX
ejif-4307	41	8	been	be	AUX
ejif-4307	41	9	many	many	ADJ
ejif-4307	41	10	islamic	islamic	ADJ
ejif-4307	41	11	banks	bank	NOUN
ejif-4307	41	12	established	establish	VERB
ejif-4307	41	13	which	which	PRON
ejif-4307	41	14	have	have	AUX
ejif-4307	41	15	started	start	VERB
ejif-4307	41	16	to	to	PART
ejif-4307	41	17	offer	offer	VERB
ejif-4307	41	18	many	many	ADJ
ejif-4307	41	19	products	product	NOUN
ejif-4307	41	20	.	.	PUNCT
ejif-4307	42	1	lately	lately	ADV
ejif-4307	42	2	,	,	PUNCT
ejif-4307	42	3	the	the	DET
ejif-4307	42	4	introduction	introduction	NOUN
ejif-4307	42	5	of	of	ADP
ejif-4307	42	6	several	several	ADJ
ejif-4307	42	7	financial	financial	ADJ
ejif-4307	42	8	instruments	instrument	NOUN
ejif-4307	42	9	and	and	CCONJ
ejif-4307	42	10	products	product	NOUN
ejif-4307	42	11	have	have	AUX
ejif-4307	42	12	enlarged	enlarge	VERB
ejif-4307	42	13	the	the	DET
ejif-4307	42	14	market	market	NOUN
ejif-4307	42	15	over	over	ADP
ejif-4307	42	16	the	the	DET
ejif-4307	42	17	years	year	NOUN
ejif-4307	42	18	with	with	ADP
ejif-4307	42	19	the	the	DET
ejif-4307	42	20	refinement	refinement	NOUN
ejif-4307	42	21	of	of	ADP
ejif-4307	42	22	islamic	islamic	ADJ
ejif-4307	42	23	scholars	scholar	NOUN
ejif-4307	42	24	.	.	PUNCT
ejif-4307	43	1	these	these	PRON
ejif-4307	43	2	include	include	VERB
ejif-4307	43	3	mudarabah	mudarabah	NOUN
ejif-4307	43	4	(	(	PUNCT
ejif-4307	43	5	trust	trust	NOUN
ejif-4307	43	6	financing	financing	NOUN
ejif-4307	43	7	)	)	PUNCT
ejif-4307	43	8	,	,	PUNCT
ejif-4307	43	9	murabaha	murabaha	INTJ
ejif-4307	43	10	(	(	PUNCT
ejif-4307	43	11	trade	trade	NOUN
ejif-4307	43	12	financing	financing	NOUN
ejif-4307	43	13	)	)	PUNCT
ejif-4307	43	14	,	,	PUNCT
ejif-4307	43	15	musharakah	musharakah	PROPN
ejif-4307	43	16	(	(	PUNCT
ejif-4307	43	17	equity	equity	NOUN
ejif-4307	43	18	financing	financing	NOUN
ejif-4307	43	19	)	)	PUNCT
ejif-4307	43	20	,	,	PUNCT
ejif-4307	43	21	ijarah	ijarah	PROPN
ejif-4307	43	22	(	(	PUNCT
ejif-4307	43	23	lease	lease	NOUN
ejif-4307	43	24	financing	financing	NOUN
ejif-4307	43	25	)	)	PUNCT
ejif-4307	43	26	,	,	PUNCT
ejif-4307	43	27	and	and	CCONJ
ejif-4307	43	28	many	many	ADJ
ejif-4307	43	29	other	other	ADJ
ejif-4307	43	30	products	product	NOUN
ejif-4307	43	31	that	that	PRON
ejif-4307	43	32	are	be	AUX
ejif-4307	43	33	based	base	VERB
ejif-4307	43	34	on	on	ADP
ejif-4307	43	35	several	several	ADJ
ejif-4307	43	36	islamic	islamic	ADJ
ejif-4307	43	37	contracts	contract	NOUN
ejif-4307	43	38	(	(	PUNCT
ejif-4307	43	39	mustafa	mustafa	PROPN
ejif-4307	43	40	,	,	PUNCT
ejif-4307	43	41	2019	2019	NUM
ejif-4307	43	42	)	)	PUNCT
ejif-4307	43	43	.	.	PUNCT
ejif-4307	44	1	islamic	islamic	ADJ
ejif-4307	44	2	banking	banking	PROPN
ejif-4307	44	3	and	and	CCONJ
ejif-4307	44	4	financial	financial	ADJ
ejif-4307	44	5	institutions	institution	NOUN
ejif-4307	44	6	are	be	AUX
ejif-4307	44	7	established	establish	VERB
ejif-4307	44	8	based	base	VERB
ejif-4307	44	9	on	on	ADP
ejif-4307	44	10	shariah	shariah	PROPN
ejif-4307	44	11	or	or	CCONJ
ejif-4307	44	12	islamic	islamic	ADJ
ejif-4307	44	13	rules	rule	NOUN
ejif-4307	44	14	and	and	CCONJ
ejif-4307	44	15	regulations	regulation	NOUN
ejif-4307	44	16	.	.	PUNCT
ejif-4307	45	1	the	the	DET
ejif-4307	45	2	foundations	foundation	NOUN
ejif-4307	45	3	are	be	AUX
ejif-4307	45	4	initiated	initiate	VERB
ejif-4307	45	5	from	from	ADP
ejif-4307	45	6	the	the	DET
ejif-4307	45	7	holy	holy	PROPN
ejif-4307	45	8	scriptures	scripture	NOUN
ejif-4307	45	9	,	,	PUNCT
ejif-4307	45	10	fiqh	fiqh	NOUN
ejif-4307	45	11	,	,	PUNCT
ejif-4307	45	12	and	and	CCONJ
ejif-4307	45	13	islamic	islamic	PROPN
ejif-4307	45	14	revealed	reveal	VERB
ejif-4307	45	15	knowledge	knowledge	NOUN
ejif-4307	45	16	(	(	PUNCT
ejif-4307	45	17	lo	lo	PROPN
ejif-4307	45	18	&	&	CCONJ
ejif-4307	45	19	leow	leow	PROPN
ejif-4307	45	20	,	,	PUNCT
ejif-4307	45	21	2014	2014	NUM
ejif-4307	45	22	;	;	PUNCT
ejif-4307	45	23	samad	samad	PROPN
ejif-4307	45	24	,	,	PUNCT
ejif-4307	45	25	2019	2019	NUM
ejif-4307	45	26	)	)	PUNCT
ejif-4307	45	27	.	.	PUNCT
ejif-4307	46	1	therefore	therefore	ADV
ejif-4307	46	2	,	,	PUNCT
ejif-4307	46	3	islamic	islamic	ADJ
ejif-4307	46	4	banks	bank	NOUN
ejif-4307	46	5	and	and	CCONJ
ejif-4307	46	6	financial	financial	ADJ
ejif-4307	46	7	institutions	institution	NOUN
ejif-4307	46	8	are	be	AUX
ejif-4307	46	9	strictly	strictly	ADV
ejif-4307	46	10	constrained	constrain	VERB
ejif-4307	46	11	to	to	PART
ejif-4307	46	12	follow	follow	VERB
ejif-4307	46	13	a	a	DET
ejif-4307	46	14	few	few	ADJ
ejif-4307	46	15	principles	principle	NOUN
ejif-4307	46	16	,	,	PUNCT
ejif-4307	46	17	such	such	ADJ
ejif-4307	46	18	as	as	ADP
ejif-4307	46	19	not	not	PART
ejif-4307	46	20	dealing	deal	VERB
ejif-4307	46	21	with	with	ADP
ejif-4307	46	22	interest	interest	NOUN
ejif-4307	46	23	,	,	PUNCT
ejif-4307	46	24	illegal	illegal	ADJ
ejif-4307	46	25	goods	good	NOUN
ejif-4307	46	26	and	and	CCONJ
ejif-4307	46	27	services	service	NOUN
ejif-4307	46	28	related	relate	VERB
ejif-4307	46	29	transactions	transaction	NOUN
ejif-4307	46	30	,	,	PUNCT
ejif-4307	46	31	activities	activity	NOUN
ejif-4307	46	32	,	,	PUNCT
ejif-4307	46	33	and	and	CCONJ
ejif-4307	46	34	transactions	transaction	NOUN
ejif-4307	46	35	that	that	PRON
ejif-4307	46	36	involve	involve	VERB
ejif-4307	46	37	speculations	speculation	NOUN
ejif-4307	46	38	(	(	PUNCT
ejif-4307	46	39	rhanoui	rhanoui	NOUN
ejif-4307	46	40	&	&	CCONJ
ejif-4307	46	41	belkhoutout	belkhoutout	NOUN
ejif-4307	46	42	,	,	PUNCT
ejif-4307	46	43	2017	2017	NUM
ejif-4307	46	44	)	)	PUNCT
ejif-4307	46	45	.	.	PUNCT
ejif-4307	47	1	b.	b.	PROPN
ejif-4307	47	2	tawhidic	tawhidic	ADJ
ejif-4307	47	3	paradigm	paradigm	NOUN
ejif-4307	47	4	the	the	DET
ejif-4307	47	5	tawhidic	tawhidic	ADJ
ejif-4307	47	6	paradigm	paradigm	NOUN
ejif-4307	47	7	is	be	AUX
ejif-4307	47	8	a	a	DET
ejif-4307	47	9	paradigm	paradigm	NOUN
ejif-4307	47	10	which	which	PRON
ejif-4307	47	11	relates	relate	VERB
ejif-4307	47	12	to	to	ADP
ejif-4307	47	13	attaining	attain	VERB
ejif-4307	47	14	performance	performance	NOUN
ejif-4307	47	15	in	in	ADP
ejif-4307	47	16	line	line	NOUN
ejif-4307	47	17	with	with	ADP
ejif-4307	47	18	faith	faith	NOUN
ejif-4307	47	19	(	(	PUNCT
ejif-4307	47	20	„	„	PUNCT
ejif-4307	47	21	aqīdāh	aqīdāh	NOUN
ejif-4307	47	22	)	)	PUNCT
ejif-4307	47	23	,	,	PUNCT
ejif-4307	47	24	worship	worship	NOUN
ejif-4307	47	25	(	(	PUNCT
ejif-4307	47	26	„	„	PUNCT
ejif-4307	47	27	ibādāh	ibādāh	NOUN
ejif-4307	47	28	)	)	PUNCT
ejif-4307	47	29	,	,	PUNCT
ejif-4307	47	30	and	and	CCONJ
ejif-4307	47	31	ethics	ethic	NOUN
ejif-4307	47	32	(	(	PUNCT
ejif-4307	47	33	akhlāq	akhlāq	PROPN
ejif-4307	47	34	)	)	PUNCT
ejif-4307	47	35	in	in	ADP
ejif-4307	47	36	life	life	NOUN
ejif-4307	47	37	as	as	ADP
ejif-4307	47	38	servants	servant	NOUN
ejif-4307	47	39	and	and	CCONJ
ejif-4307	47	40	vicegerents	vicegerent	NOUN
ejif-4307	47	41	of	of	ADP
ejif-4307	47	42	allah	allah	PROPN
ejif-4307	47	43	.	.	PUNCT
ejif-4307	48	1	in	in	ADP
ejif-4307	48	2	daily	daily	ADJ
ejif-4307	48	3	life	life	NOUN
ejif-4307	48	4	,	,	PUNCT
ejif-4307	48	5	one	one	PRON
ejif-4307	48	6	must	must	AUX
ejif-4307	48	7	earn	earn	VERB
ejif-4307	48	8	excellent	excellent	ADJ
ejif-4307	48	9	value	value	NOUN
ejif-4307	48	10	that	that	PRON
ejif-4307	48	11	is	be	AUX
ejif-4307	48	12	compounded	compound	VERB
ejif-4307	48	13	upon	upon	SCONJ
ejif-4307	48	14	the	the	DET
ejif-4307	48	15	value	value	NOUN
ejif-4307	48	16	of	of	ADP
ejif-4307	48	17	life	life	NOUN
ejif-4307	48	18	as	as	ADP
ejif-4307	48	19	servant	servant	NOUN
ejif-4307	48	20	and	and	CCONJ
ejif-4307	48	21	vicegerent	vicegerent	ADJ
ejif-4307	48	22	of	of	ADP
ejif-4307	48	23	allah	allah	PROPN
ejif-4307	48	24	in	in	ADP
ejif-4307	48	25	the	the	DET
ejif-4307	48	26	world	world	NOUN
ejif-4307	48	27	and	and	CCONJ
ejif-4307	48	28	days	day	NOUN
ejif-4307	48	29	after	after	ADP
ejif-4307	48	30	death	death	NOUN
ejif-4307	48	31	.	.	PUNCT
ejif-4307	49	1	in	in	ADP
ejif-4307	49	2	addition	addition	NOUN
ejif-4307	49	3	,	,	PUNCT
ejif-4307	49	4	the	the	DET
ejif-4307	49	5	tawhidic	tawhidic	ADJ
ejif-4307	49	6	paradigm	paradigm	NOUN
ejif-4307	49	7	brings	bring	VERB
ejif-4307	49	8	the	the	DET
ejif-4307	49	9	fundamental	fundamental	ADJ
ejif-4307	49	10	philosophies	philosophy	NOUN
ejif-4307	49	11	of	of	ADP
ejif-4307	49	12	islamic	islamic	ADJ
ejif-4307	49	13	teaching	teaching	NOUN
ejif-4307	49	14	into	into	ADP
ejif-4307	49	15	administrative	administrative	ADJ
ejif-4307	49	16	activities	activity	NOUN
ejif-4307	49	17	.	.	PUNCT
ejif-4307	50	1	on	on	ADP
ejif-4307	50	2	the	the	DET
ejif-4307	50	3	one	one	NUM
ejif-4307	50	4	hand	hand	NOUN
ejif-4307	50	5	,	,	PUNCT
ejif-4307	50	6	the	the	DET
ejif-4307	50	7	islamic	islamic	ADJ
ejif-4307	50	8	way	way	NOUN
ejif-4307	50	9	of	of	ADP
ejif-4307	50	10	life	life	NOUN
ejif-4307	50	11	is	be	AUX
ejif-4307	50	12	entrenched	entrench	VERB
ejif-4307	50	13	in	in	ADP
ejif-4307	50	14	any	any	DET
ejif-4307	50	15	action	action	NOUN
ejif-4307	50	16	as	as	ADP
ejif-4307	50	17	in	in	ADP
ejif-4307	50	18	doing	do	VERB
ejif-4307	50	19	charitable	charitable	ADJ
ejif-4307	50	20	deeds	deed	NOUN
ejif-4307	50	21	for	for	ADP
ejif-4307	50	22	individuals	individual	NOUN
ejif-4307	50	23	and	and	CCONJ
ejif-4307	50	24	society	society	NOUN
ejif-4307	50	25	.	.	PUNCT
ejif-4307	51	1	furthermore	furthermore	ADV
ejif-4307	51	2	,	,	PUNCT
ejif-4307	51	3	both	both	DET
ejif-4307	51	4	tasks	task	NOUN
ejif-4307	51	5	,	,	PUNCT
ejif-4307	51	6	personal	personal	ADJ
ejif-4307	51	7	interest	interest	NOUN
ejif-4307	51	8	and	and	CCONJ
ejif-4307	51	9	collective	collective	ADJ
ejif-4307	51	10	interest	interest	NOUN
ejif-4307	51	11	,	,	PUNCT
ejif-4307	51	12	must	must	AUX
ejif-4307	51	13	be	be	AUX
ejif-4307	51	14	combined	combine	VERB
ejif-4307	51	15	as	as	ADP
ejif-4307	51	16	an	an	DET
ejif-4307	51	17	act	act	NOUN
ejif-4307	51	18	of	of	ADP
ejif-4307	51	19	worship	worship	NOUN
ejif-4307	51	20	to	to	PART
ejif-4307	51	21	please	please	VERB
ejif-4307	51	22	allah	allah	PROPN
ejif-4307	51	23	.	.	PUNCT
ejif-4307	52	1	while	while	SCONJ
ejif-4307	52	2	humans	human	NOUN
ejif-4307	52	3	can	can	AUX
ejif-4307	52	4	use	use	VERB
ejif-4307	52	5	their	their	PRON
ejif-4307	52	6	cognition	cognition	NOUN
ejif-4307	52	7	to	to	PART
ejif-4307	52	8	formulate	formulate	VERB
ejif-4307	52	9	,	,	PUNCT
ejif-4307	52	10	implement	implement	VERB
ejif-4307	52	11	,	,	PUNCT
ejif-4307	52	12	and	and	CCONJ
ejif-4307	52	13	evaluate	evaluate	VERB
ejif-4307	52	14	administrative	administrative	ADJ
ejif-4307	52	15	strategy	strategy	NOUN
ejif-4307	52	16	,	,	PUNCT
ejif-4307	52	17	the	the	DET
ejif-4307	52	18	revelations	revelation	NOUN
ejif-4307	52	19	from	from	ADP
ejif-4307	52	20	the	the	DET
ejif-4307	52	21	quran	quran	PROPN
ejif-4307	52	22	and	and	CCONJ
ejif-4307	52	23	the	the	DET
ejif-4307	52	24	sunnah	sunnah	NOUN
ejif-4307	52	25	of	of	ADP
ejif-4307	52	26	the	the	DET
ejif-4307	52	27	prophet	prophet	NOUN
ejif-4307	52	28	,	,	PUNCT
ejif-4307	52	29	pbuh	pbuh	PROPN
ejif-4307	52	30	,	,	PUNCT
ejif-4307	52	31	guide	guide	VERB
ejif-4307	52	32	human	human	ADJ
ejif-4307	52	33	reasoning	reasoning	NOUN
ejif-4307	52	34	.	.	PUNCT
ejif-4307	53	1	according	accord	VERB
ejif-4307	53	2	to	to	ADP
ejif-4307	53	3	sarif	sarif	PROPN
ejif-4307	53	4	(	(	PUNCT
ejif-4307	53	5	2014	2014	NUM
ejif-4307	53	6	)	)	PUNCT
ejif-4307	53	7	,	,	PUNCT
ejif-4307	53	8	the	the	DET
ejif-4307	53	9	tawhidic	tawhidic	ADJ
ejif-4307	53	10	paradigm	paradigm	NOUN
ejif-4307	53	11	framework	framework	NOUN
ejif-4307	53	12	is	be	AUX
ejif-4307	53	13	connected	connect	VERB
ejif-4307	53	14	with	with	ADP
ejif-4307	53	15	two	two	NUM
ejif-4307	53	16	dimensions	dimension	NOUN
ejif-4307	53	17	of	of	ADP
ejif-4307	53	18	human	human	ADJ
ejif-4307	53	19	life	life	NOUN
ejif-4307	53	20	,	,	PUNCT
ejif-4307	53	21	ejif	ejif	PROPN
ejif-4307	53	22	–	–	PUNCT
ejif-4307	53	23	european	european	PROPN
ejif-4307	53	24	journal	journal	PROPN
ejif-4307	53	25	of	of	ADP
ejif-4307	53	26	islamic	islamic	PROPN
ejif-4307	53	27	finance	finance	PROPN
ejif-4307	53	28	no15	no15	PROPN
ejif-4307	53	29	,	,	PUNCT
ejif-4307	53	30	august	august	PROPN
ejif-4307	53	31	(	(	PUNCT
ejif-4307	53	32	2020	2020	NUM
ejif-4307	53	33	)	)	PUNCT
ejif-4307	54	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	54	2	issn	issn	VERB
ejif-4307	54	3	2421	2421	NUM
ejif-4307	54	4	-	-	SYM
ejif-4307	54	5	2172	2172	NUM
ejif-4307	54	6	3	3	NUM
ejif-4307	54	7	which	which	PRON
ejif-4307	54	8	are	be	AUX
ejif-4307	54	9	worldly	worldly	ADJ
ejif-4307	54	10	and	and	CCONJ
ejif-4307	54	11	the	the	DET
ejif-4307	54	12	hereafter	hereafter	NOUN
ejif-4307	54	13	,	,	PUNCT
ejif-4307	54	14	in	in	ADP
ejif-4307	54	15	the	the	DET
ejif-4307	54	16	aspect	aspect	NOUN
ejif-4307	54	17	of	of	ADP
ejif-4307	54	18	all	all	DET
ejif-4307	54	19	types	type	NOUN
ejif-4307	54	20	of	of	ADP
ejif-4307	54	21	decision	decision	NOUN
ejif-4307	54	22	making	making	NOUN
ejif-4307	54	23	,	,	PUNCT
ejif-4307	54	24	operating	operate	VERB
ejif-4307	54	25	business	business	NOUN
ejif-4307	54	26	endeavours	endeavour	VERB
ejif-4307	54	27	,	,	PUNCT
ejif-4307	54	28	and	and	CCONJ
ejif-4307	54	29	creating	create	VERB
ejif-4307	54	30	new	new	ADJ
ejif-4307	54	31	ideas	idea	NOUN
ejif-4307	54	32	.	.	PUNCT
ejif-4307	55	1	the	the	DET
ejif-4307	55	2	author	author	NOUN
ejif-4307	55	3	also	also	ADV
ejif-4307	55	4	added	add	VERB
ejif-4307	55	5	that	that	SCONJ
ejif-4307	55	6	it	it	PRON
ejif-4307	55	7	imitates	imitate	VERB
ejif-4307	55	8	the	the	DET
ejif-4307	55	9	application	application	NOUN
ejif-4307	55	10	of	of	ADP
ejif-4307	55	11	rationality	rationality	NOUN
ejif-4307	55	12	in	in	ADP
ejif-4307	55	13	expressing	express	VERB
ejif-4307	55	14	,	,	PUNCT
ejif-4307	55	15	applying	apply	VERB
ejif-4307	55	16	,	,	PUNCT
ejif-4307	55	17	and	and	CCONJ
ejif-4307	55	18	assessing	assess	VERB
ejif-4307	55	19	tactics	tactic	NOUN
ejif-4307	55	20	with	with	ADP
ejif-4307	55	21	the	the	DET
ejif-4307	55	22	intent	intent	NOUN
ejif-4307	55	23	to	to	PART
ejif-4307	55	24	implement	implement	VERB
ejif-4307	55	25	the	the	DET
ejif-4307	55	26	faith	faith	NOUN
ejif-4307	55	27	as	as	ADP
ejif-4307	55	28	retainer	retainer	NOUN
ejif-4307	55	29	and	and	CCONJ
ejif-4307	55	30	vicegerent	vicegerent	ADJ
ejif-4307	55	31	of	of	ADP
ejif-4307	55	32	the	the	DET
ejif-4307	55	33	almighty	almighty	ADJ
ejif-4307	55	34	allah	allah	PROPN
ejif-4307	55	35	in	in	ADP
ejif-4307	55	36	the	the	DET
ejif-4307	55	37	highest	high	ADJ
ejif-4307	55	38	possible	possible	ADJ
ejif-4307	55	39	way	way	NOUN
ejif-4307	55	40	.	.	PUNCT
ejif-4307	56	1	iii	iii	X
ejif-4307	56	2	.	.	PUNCT
ejif-4307	56	3	literature	literature	PROPN
ejif-4307	56	4	review	review	VERB
ejif-4307	56	5	the	the	DET
ejif-4307	56	6	essence	essence	NOUN
ejif-4307	56	7	of	of	ADP
ejif-4307	56	8	existing	exist	VERB
ejif-4307	56	9	literature	literature	NOUN
ejif-4307	56	10	is	be	AUX
ejif-4307	56	11	to	to	PART
ejif-4307	56	12	comprehend	comprehend	VERB
ejif-4307	56	13	past	past	ADP
ejif-4307	56	14	studies	study	NOUN
ejif-4307	56	15	on	on	ADP
ejif-4307	56	16	issues	issue	NOUN
ejif-4307	56	17	of	of	ADP
ejif-4307	56	18	islamic	islamic	ADJ
ejif-4307	56	19	banking	banking	NOUN
ejif-4307	56	20	,	,	PUNCT
ejif-4307	56	21	with	with	ADP
ejif-4307	56	22	a	a	DET
ejif-4307	56	23	concentration	concentration	NOUN
ejif-4307	56	24	on	on	ADP
ejif-4307	56	25	different	different	ADJ
ejif-4307	56	26	countries	country	NOUN
ejif-4307	56	27	.	.	PUNCT
ejif-4307	57	1	islamic	islamic	ADJ
ejif-4307	57	2	banks	bank	NOUN
ejif-4307	57	3	are	be	AUX
ejif-4307	57	4	profit	profit	NOUN
ejif-4307	57	5	-	-	PUNCT
ejif-4307	57	6	oriented	orient	VERB
ejif-4307	57	7	associations	association	NOUN
ejif-4307	57	8	with	with	ADP
ejif-4307	57	9	the	the	DET
ejif-4307	57	10	distinction	distinction	NOUN
ejif-4307	57	11	that	that	SCONJ
ejif-4307	57	12	they	they	PRON
ejif-4307	57	13	lead	lead	VERB
ejif-4307	57	14	their	their	PRON
ejif-4307	57	15	undertakings	undertaking	NOUN
ejif-4307	57	16	exclusively	exclusively	ADV
ejif-4307	57	17	with	with	ADP
ejif-4307	57	18	the	the	DET
ejif-4307	57	19	aims	aim	NOUN
ejif-4307	57	20	of	of	ADP
ejif-4307	57	21	making	make	VERB
ejif-4307	57	22	decisions	decision	NOUN
ejif-4307	57	23	based	base	VERB
ejif-4307	57	24	on	on	ADP
ejif-4307	57	25	shariah	shariah	PROPN
ejif-4307	57	26	and	and	CCONJ
ejif-4307	57	27	in	in	ADP
ejif-4307	57	28	accordance	accordance	NOUN
ejif-4307	57	29	with	with	ADP
ejif-4307	57	30	its	its	PRON
ejif-4307	57	31	general	general	ADJ
ejif-4307	57	32	aims	aim	NOUN
ejif-4307	57	33	(	(	PUNCT
ejif-4307	57	34	kahf	kahf	PROPN
ejif-4307	57	35	,	,	PUNCT
ejif-4307	57	36	2005	2005	NUM
ejif-4307	57	37	)	)	PUNCT
ejif-4307	57	38	.	.	PUNCT
ejif-4307	58	1	islamic	islamic	ADJ
ejif-4307	58	2	banks	bank	NOUN
ejif-4307	58	3	are	be	AUX
ejif-4307	58	4	not	not	PART
ejif-4307	58	5	very	very	ADV
ejif-4307	58	6	different	different	ADJ
ejif-4307	58	7	from	from	ADP
ejif-4307	58	8	conventional	conventional	ADJ
ejif-4307	58	9	,	,	PUNCT
ejif-4307	58	10	on	on	ADP
ejif-4307	58	11	the	the	DET
ejif-4307	58	12	basis	basis	NOUN
ejif-4307	58	13	of	of	ADP
ejif-4307	58	14	pls	pls	PROPN
ejif-4307	58	15	(	(	PUNCT
ejif-4307	58	16	profit	profit	NOUN
ejif-4307	58	17	and	and	CCONJ
ejif-4307	58	18	loss	loss	NOUN
ejif-4307	58	19	sharing	sharing	NOUN
ejif-4307	58	20	)	)	PUNCT
ejif-4307	58	21	paradigm	paradigm	NOUN
ejif-4307	58	22	(	(	PUNCT
ejif-4307	58	23	beck	beck	NOUN
ejif-4307	58	24	,	,	PUNCT
ejif-4307	58	25	demirgüç	demirgüç	PROPN
ejif-4307	58	26	-	-	PUNCT
ejif-4307	58	27	kunt	kunt	PROPN
ejif-4307	58	28	,	,	PUNCT
ejif-4307	58	29	&	&	CCONJ
ejif-4307	58	30	merrouche	merrouche	PROPN
ejif-4307	58	31	,	,	PUNCT
ejif-4307	58	32	2013	2013	NUM
ejif-4307	58	33	;	;	PUNCT
ejif-4307	58	34	chong	chong	PROPN
ejif-4307	58	35	&	&	CCONJ
ejif-4307	58	36	liu	liu	PROPN
ejif-4307	58	37	,	,	PUNCT
ejif-4307	58	38	2009	2009	NUM
ejif-4307	58	39	;	;	PUNCT
ejif-4307	58	40	mallin	mallin	PROPN
ejif-4307	58	41	,	,	PUNCT
ejif-4307	58	42	farag	farag	NOUN
ejif-4307	58	43	,	,	PUNCT
ejif-4307	58	44	&	&	CCONJ
ejif-4307	58	45	ow	ow	PROPN
ejif-4307	58	46	-	-	PUNCT
ejif-4307	58	47	yong	yong	PROPN
ejif-4307	58	48	,	,	PUNCT
ejif-4307	58	49	2014	2014	NUM
ejif-4307	58	50	)	)	PUNCT
ejif-4307	58	51	.	.	PUNCT
ejif-4307	59	1	similarly	similarly	ADV
ejif-4307	59	2	,	,	PUNCT
ejif-4307	59	3	majid	majid	PROPN
ejif-4307	59	4	et	et	PROPN
ejif-4307	59	5	al.(2016	al.(2016	PROPN
ejif-4307	59	6	)	)	PUNCT
ejif-4307	59	7	posited	posit	VERB
ejif-4307	59	8	that	that	SCONJ
ejif-4307	59	9	the	the	DET
ejif-4307	59	10	islamic	islamic	ADJ
ejif-4307	59	11	banking	banking	NOUN
ejif-4307	59	12	framework	framework	NOUN
ejif-4307	59	13	is	be	AUX
ejif-4307	59	14	no	no	ADV
ejif-4307	59	15	different	different	ADJ
ejif-4307	59	16	than	than	ADP
ejif-4307	59	17	conventional	conventional	ADJ
ejif-4307	59	18	banking	banking	NOUN
ejif-4307	59	19	in	in	ADP
ejif-4307	59	20	malaysia	malaysia	PROPN
ejif-4307	59	21	.	.	PUNCT
ejif-4307	60	1	however	however	ADV
ejif-4307	60	2	,	,	PUNCT
ejif-4307	60	3	there	there	PRON
ejif-4307	60	4	are	be	VERB
ejif-4307	60	5	apparent	apparent	ADJ
ejif-4307	60	6	similarities	similarity	NOUN
ejif-4307	60	7	and	and	CCONJ
ejif-4307	60	8	differences	difference	NOUN
ejif-4307	60	9	between	between	ADP
ejif-4307	60	10	both	both	CCONJ
ejif-4307	60	11	islamic	islamic	ADJ
ejif-4307	60	12	and	and	CCONJ
ejif-4307	60	13	conventional	conventional	ADJ
ejif-4307	60	14	banks	bank	NOUN
ejif-4307	60	15	(	(	PUNCT
ejif-4307	60	16	mahmood	mahmood	PROPN
ejif-4307	60	17	,	,	PUNCT
ejif-4307	60	18	2010	2010	NUM
ejif-4307	60	19	)	)	PUNCT
ejif-4307	60	20	.	.	PUNCT
ejif-4307	61	1	islamic	islamic	ADJ
ejif-4307	61	2	banks	bank	NOUN
ejif-4307	61	3	still	still	ADV
ejif-4307	61	4	remain	remain	VERB
ejif-4307	61	5	indistinguishable	indistinguishable	ADJ
ejif-4307	61	6	through	through	ADP
ejif-4307	61	7	function	function	NOUN
ejif-4307	61	8	and	and	CCONJ
ejif-4307	61	9	operation	operation	NOUN
ejif-4307	61	10	from	from	ADP
ejif-4307	61	11	conventional	conventional	ADJ
ejif-4307	61	12	banking	banking	NOUN
ejif-4307	61	13	(	(	PUNCT
ejif-4307	61	14	alam	alam	PROPN
ejif-4307	61	15	et	et	PROPN
ejif-4307	61	16	al	al	PROPN
ejif-4307	61	17	.	.	PROPN
ejif-4307	61	18	,	,	PUNCT
ejif-4307	61	19	2019	2019	NUM
ejif-4307	61	20	;	;	PUNCT
ejif-4307	61	21	khan	khan	PROPN
ejif-4307	61	22	,	,	PUNCT
ejif-4307	61	23	2010	2010	NUM
ejif-4307	61	24	)	)	PUNCT
ejif-4307	61	25	.	.	PUNCT
ejif-4307	62	1	islamic	islamic	ADJ
ejif-4307	62	2	banks	bank	NOUN
ejif-4307	62	3	are	be	AUX
ejif-4307	62	4	different	different	ADJ
ejif-4307	62	5	than	than	ADP
ejif-4307	62	6	conventional	conventional	ADJ
ejif-4307	62	7	counterparts	counterpart	NOUN
ejif-4307	62	8	in	in	ADP
ejif-4307	62	9	their	their	PRON
ejif-4307	62	10	operations	operation	NOUN
ejif-4307	62	11	,	,	PUNCT
ejif-4307	62	12	even	even	ADV
ejif-4307	62	13	though	though	SCONJ
ejif-4307	62	14	they	they	PRON
ejif-4307	62	15	play	play	VERB
ejif-4307	62	16	a	a	DET
ejif-4307	62	17	similar	similar	ADJ
ejif-4307	62	18	role	role	NOUN
ejif-4307	62	19	to	to	ADP
ejif-4307	62	20	financial	financial	ADJ
ejif-4307	62	21	intermediaries	intermediary	NOUN
ejif-4307	62	22	that	that	PRON
ejif-4307	62	23	are	be	AUX
ejif-4307	62	24	monitored	monitor	VERB
ejif-4307	62	25	by	by	ADP
ejif-4307	62	26	shariah	shariah	PROPN
ejif-4307	62	27	law	law	PROPN
ejif-4307	62	28	(	(	PUNCT
ejif-4307	62	29	louhichi	louhichi	PROPN
ejif-4307	62	30	,	,	PUNCT
ejif-4307	62	31	louati	louati	PROPN
ejif-4307	62	32	,	,	PUNCT
ejif-4307	62	33	&	&	CCONJ
ejif-4307	62	34	boujelbene	boujelbene	PROPN
ejif-4307	62	35	,	,	PUNCT
ejif-4307	62	36	2019	2019	NUM
ejif-4307	62	37	)	)	PUNCT
ejif-4307	62	38	.	.	PUNCT
ejif-4307	63	1	the	the	DET
ejif-4307	63	2	contracts	contract	NOUN
ejif-4307	63	3	that	that	PRON
ejif-4307	63	4	are	be	AUX
ejif-4307	63	5	implemented	implement	VERB
ejif-4307	63	6	in	in	ADP
ejif-4307	63	7	islamic	islamic	ADJ
ejif-4307	63	8	banking	banking	NOUN
ejif-4307	63	9	products	product	NOUN
ejif-4307	63	10	and	and	CCONJ
ejif-4307	63	11	services	service	NOUN
ejif-4307	63	12	differ	differ	VERB
ejif-4307	63	13	from	from	ADP
ejif-4307	63	14	conventional	conventional	ADJ
ejif-4307	63	15	structures(doumpos	structures(doumpos	PROPN
ejif-4307	63	16	,	,	PUNCT
ejif-4307	63	17	hasan	hasan	PROPN
ejif-4307	63	18	,	,	PUNCT
ejif-4307	63	19	&	&	CCONJ
ejif-4307	63	20	pasiouras	pasioura	NOUN
ejif-4307	63	21	,	,	PUNCT
ejif-4307	63	22	2017	2017	NUM
ejif-4307	63	23	)	)	PUNCT
ejif-4307	63	24	.	.	PUNCT
ejif-4307	64	1	interestingly	interestingly	ADV
ejif-4307	64	2	,	,	PUNCT
ejif-4307	64	3	khan	khan	PROPN
ejif-4307	64	4	(	(	PUNCT
ejif-4307	64	5	2010	2010	NUM
ejif-4307	64	6	)	)	PUNCT
ejif-4307	64	7	found	find	VERB
ejif-4307	64	8	that	that	SCONJ
ejif-4307	64	9	majority	majority	NOUN
ejif-4307	64	10	of	of	ADP
ejif-4307	64	11	islamic	islamic	ADJ
ejif-4307	64	12	banks	bank	NOUN
ejif-4307	64	13	are	be	AUX
ejif-4307	64	14	impotent	impotent	ADJ
ejif-4307	64	15	to	to	PART
ejif-4307	64	16	provide	provide	VERB
ejif-4307	64	17	shariah	shariah	PROPN
ejif-4307	64	18	compliant	compliant	ADJ
ejif-4307	64	19	vehicles	vehicle	NOUN
ejif-4307	64	20	.	.	PUNCT
ejif-4307	65	1	therefore	therefore	ADV
ejif-4307	65	2	,	,	PUNCT
ejif-4307	65	3	they	they	PRON
ejif-4307	65	4	find	find	VERB
ejif-4307	65	5	several	several	ADJ
ejif-4307	65	6	shariah	shariah	PROPN
ejif-4307	65	7	scholars	scholar	NOUN
ejif-4307	65	8	those	those	PRON
ejif-4307	65	9	are	be	AUX
ejif-4307	65	10	willing	willing	ADJ
ejif-4307	65	11	to	to	PART
ejif-4307	65	12	certify	certify	VERB
ejif-4307	65	13	controversial	controversial	ADJ
ejif-4307	65	14	instruments	instrument	NOUN
ejif-4307	65	15	as	as	ADP
ejif-4307	65	16	shariah	shariah	PROPN
ejif-4307	65	17	compliant	compliant	PROPN
ejif-4307	65	18	.	.	PUNCT
ejif-4307	66	1	this	this	DET
ejif-4307	66	2	idea	idea	NOUN
ejif-4307	66	3	is	be	AUX
ejif-4307	66	4	supported	support	VERB
ejif-4307	66	5	by	by	ADP
ejif-4307	66	6	ali	ali	PROPN
ejif-4307	66	7	and	and	CCONJ
ejif-4307	66	8	kasim	kasim	PROPN
ejif-4307	66	9	(	(	PUNCT
ejif-4307	66	10	2019	2019	NUM
ejif-4307	66	11	)	)	PUNCT
ejif-4307	66	12	.	.	PUNCT
ejif-4307	67	1	successively	successively	ADV
ejif-4307	67	2	,	,	PUNCT
ejif-4307	67	3	bank	bank	NOUN
ejif-4307	67	4	directors	director	NOUN
ejif-4307	67	5	are	be	AUX
ejif-4307	67	6	using	use	VERB
ejif-4307	67	7	shariah	shariah	PROPN
ejif-4307	67	8	supervisory	supervisory	ADJ
ejif-4307	67	9	boards	board	NOUN
ejif-4307	67	10	in	in	ADP
ejif-4307	67	11	order	order	NOUN
ejif-4307	67	12	to	to	PART
ejif-4307	67	13	achieve	achieve	VERB
ejif-4307	67	14	their	their	PRON
ejif-4307	67	15	objectives	objective	NOUN
ejif-4307	67	16	and	and	CCONJ
ejif-4307	67	17	engage	engage	VERB
ejif-4307	67	18	in	in	ADP
ejif-4307	67	19	all	all	DET
ejif-4307	67	20	shariah	shariah	PROPN
ejif-4307	67	21	activities	activity	NOUN
ejif-4307	67	22	which	which	PRON
ejif-4307	67	23	have	have	AUX
ejif-4307	67	24	created	create	VERB
ejif-4307	67	25	a	a	DET
ejif-4307	67	26	few	few	ADJ
ejif-4307	67	27	issues	issue	NOUN
ejif-4307	67	28	for	for	ADP
ejif-4307	67	29	islamic	islamic	ADJ
ejif-4307	67	30	banks	bank	NOUN
ejif-4307	67	31	in	in	ADP
ejif-4307	67	32	bangladesh	bangladesh	PROPN
ejif-4307	67	33	(	(	PUNCT
ejif-4307	67	34	alam	alam	PROPN
ejif-4307	67	35	et	et	PROPN
ejif-4307	67	36	al	al	PROPN
ejif-4307	67	37	.	.	PROPN
ejif-4307	67	38	,	,	PUNCT
ejif-4307	67	39	2019	2019	NUM
ejif-4307	67	40	)	)	PUNCT
ejif-4307	67	41	.	.	PUNCT
ejif-4307	68	1	although	although	SCONJ
ejif-4307	68	2	,	,	PUNCT
ejif-4307	68	3	islamic	islamic	ADJ
ejif-4307	68	4	banks	bank	NOUN
ejif-4307	68	5	are	be	AUX
ejif-4307	68	6	solvent	solvent	ADJ
ejif-4307	68	7	in	in	ADP
ejif-4307	68	8	regards	regard	NOUN
ejif-4307	68	9	to	to	ADP
ejif-4307	68	10	managing	manage	VERB
ejif-4307	68	11	risks	risk	NOUN
ejif-4307	68	12	,	,	PUNCT
ejif-4307	68	13	since	since	SCONJ
ejif-4307	68	14	they	they	PRON
ejif-4307	68	15	have	have	VERB
ejif-4307	68	16	good	good	ADJ
ejif-4307	68	17	quality	quality	NOUN
ejif-4307	68	18	assets	asset	NOUN
ejif-4307	68	19	and	and	CCONJ
ejif-4307	68	20	sufficient	sufficient	ADJ
ejif-4307	68	21	funds	fund	NOUN
ejif-4307	68	22	(	(	PUNCT
ejif-4307	68	23	beck	beck	NOUN
ejif-4307	68	24	et	et	PROPN
ejif-4307	68	25	al	al	PROPN
ejif-4307	68	26	.	.	PROPN
ejif-4307	68	27	,	,	PUNCT
ejif-4307	68	28	2013	2013	NUM
ejif-4307	68	29	)	)	PUNCT
ejif-4307	68	30	.	.	PUNCT
ejif-4307	69	1	louhichi	louhichi	PROPN
ejif-4307	69	2	et	et	PROPN
ejif-4307	69	3	al	al	PROPN
ejif-4307	69	4	.	.	PROPN
ejif-4307	70	1	(	(	PUNCT
ejif-4307	70	2	2019	2019	NUM
ejif-4307	70	3	)	)	PUNCT
ejif-4307	70	4	outlined	outline	VERB
ejif-4307	70	5	that	that	SCONJ
ejif-4307	70	6	islamic	islamic	ADJ
ejif-4307	70	7	banks	bank	NOUN
ejif-4307	70	8	provide	provide	VERB
ejif-4307	70	9	many	many	ADJ
ejif-4307	70	10	diverse	diverse	ADJ
ejif-4307	70	11	products	product	NOUN
ejif-4307	70	12	that	that	PRON
ejif-4307	70	13	are	be	AUX
ejif-4307	70	14	based	base	VERB
ejif-4307	70	15	on	on	ADP
ejif-4307	70	16	profit	profit	NOUN
ejif-4307	70	17	and	and	CCONJ
ejif-4307	70	18	loss	loss	NOUN
ejif-4307	70	19	sharing	sharing	NOUN
ejif-4307	70	20	,	,	PUNCT
ejif-4307	70	21	and	and	CCONJ
ejif-4307	70	22	several	several	ADJ
ejif-4307	70	23	products	product	NOUN
ejif-4307	70	24	are	be	AUX
ejif-4307	70	25	based	base	VERB
ejif-4307	70	26	on	on	ADP
ejif-4307	70	27	mark	mark	NOUN
ejif-4307	70	28	-	-	PUNCT
ejif-4307	70	29	up	up	ADP
ejif-4307	70	30	percentage	percentage	NOUN
ejif-4307	70	31	.	.	PUNCT
ejif-4307	71	1	indeed	indeed	ADV
ejif-4307	71	2	,	,	PUNCT
ejif-4307	71	3	there	there	PRON
ejif-4307	71	4	is	be	VERB
ejif-4307	71	5	an	an	DET
ejif-4307	71	6	ongoing	ongoing	ADJ
ejif-4307	71	7	debate	debate	NOUN
ejif-4307	71	8	on	on	ADP
ejif-4307	71	9	interest	interest	NOUN
ejif-4307	71	10	rates	rate	NOUN
ejif-4307	71	11	as	as	ADP
ejif-4307	71	12	a	a	DET
ejif-4307	71	13	mark	mark	NOUN
ejif-4307	71	14	-	-	PUNCT
ejif-4307	71	15	up	up	NOUN
ejif-4307	71	16	for	for	ADP
ejif-4307	71	17	islamic	islamic	ADJ
ejif-4307	71	18	debt	debt	NOUN
ejif-4307	71	19	instruments	instrument	NOUN
ejif-4307	71	20	used	use	VERB
ejif-4307	71	21	by	by	ADP
ejif-4307	71	22	islamic	islamic	ADJ
ejif-4307	71	23	banks	bank	NOUN
ejif-4307	71	24	(	(	PUNCT
ejif-4307	71	25	ibrahim	ibrahim	PROPN
ejif-4307	71	26	&	&	CCONJ
ejif-4307	71	27	shah	shah	PROPN
ejif-4307	71	28	,	,	PUNCT
ejif-4307	71	29	2012	2012	NUM
ejif-4307	71	30	;	;	PUNCT
ejif-4307	71	31	waemustafa	waemustafa	PROPN
ejif-4307	71	32	,	,	PUNCT
ejif-4307	71	33	2013	2013	NUM
ejif-4307	71	34	)	)	PUNCT
ejif-4307	71	35	which	which	PRON
ejif-4307	71	36	is	be	AUX
ejif-4307	71	37	not	not	PART
ejif-4307	71	38	permitted	permit	VERB
ejif-4307	71	39	by	by	ADP
ejif-4307	71	40	extant	extant	ADJ
ejif-4307	71	41	shariah	shariah	PROPN
ejif-4307	71	42	scholars	scholar	NOUN
ejif-4307	71	43	(	(	PUNCT
ejif-4307	71	44	hermanto	hermanto	NOUN
ejif-4307	71	45	,	,	PUNCT
ejif-4307	71	46	2018	2018	NUM
ejif-4307	71	47	;	;	PUNCT
ejif-4307	71	48	samad	samad	PROPN
ejif-4307	71	49	,	,	PUNCT
ejif-4307	71	50	2019	2019	NUM
ejif-4307	71	51	)	)	PUNCT
ejif-4307	71	52	.	.	PUNCT
ejif-4307	72	1	thus	thus	ADV
ejif-4307	72	2	,	,	PUNCT
ejif-4307	72	3	interest	interest	NOUN
ejif-4307	72	4	rates	rate	NOUN
ejif-4307	72	5	are	be	AUX
ejif-4307	72	6	used	use	VERB
ejif-4307	72	7	as	as	ADP
ejif-4307	72	8	benchmark	benchmark	NOUN
ejif-4307	72	9	by	by	ADP
ejif-4307	72	10	islamic	islamic	ADJ
ejif-4307	72	11	banks	bank	NOUN
ejif-4307	72	12	which	which	PRON
ejif-4307	72	13	known	know	VERB
ejif-4307	72	14	as	as	ADP
ejif-4307	72	15	the	the	DET
ejif-4307	72	16	rate	rate	NOUN
ejif-4307	72	17	of	of	ADP
ejif-4307	72	18	return	return	NOUN
ejif-4307	72	19	(	(	PUNCT
ejif-4307	72	20	majid	majid	PROPN
ejif-4307	72	21	et	et	PROPN
ejif-4307	72	22	al	al	PROPN
ejif-4307	72	23	.	.	PROPN
ejif-4307	72	24	,	,	PUNCT
ejif-4307	72	25	2016	2016	NUM
ejif-4307	72	26	;	;	PUNCT
ejif-4307	72	27	rhanoui	rhanoui	NOUN
ejif-4307	72	28	&	&	CCONJ
ejif-4307	72	29	belkhoutout	belkhoutout	NOUN
ejif-4307	72	30	,	,	PUNCT
ejif-4307	72	31	2019	2019	NUM
ejif-4307	72	32	)	)	PUNCT
ejif-4307	72	33	.	.	PUNCT
ejif-4307	73	1	determining	determine	VERB
ejif-4307	73	2	the	the	DET
ejif-4307	73	3	rate	rate	NOUN
ejif-4307	73	4	of	of	ADP
ejif-4307	73	5	return	return	NOUN
ejif-4307	73	6	for	for	ADP
ejif-4307	73	7	islamic	islamic	ADJ
ejif-4307	73	8	banks	bank	NOUN
ejif-4307	73	9	is	be	AUX
ejif-4307	73	10	one	one	NUM
ejif-4307	73	11	of	of	ADP
ejif-4307	73	12	the	the	DET
ejif-4307	73	13	biggest	big	ADJ
ejif-4307	73	14	challenges	challenge	NOUN
ejif-4307	73	15	to	to	PART
ejif-4307	73	16	accommodate	accommodate	VERB
ejif-4307	73	17	in	in	ADP
ejif-4307	73	18	the	the	DET
ejif-4307	73	19	modern	modern	ADJ
ejif-4307	73	20	banking	banking	NOUN
ejif-4307	73	21	system	system	NOUN
ejif-4307	73	22	and	and	CCONJ
ejif-4307	73	23	in	in	ADP
ejif-4307	73	24	islamic	islamic	ADJ
ejif-4307	73	25	banking	banking	NOUN
ejif-4307	73	26	system	system	NOUN
ejif-4307	73	27	,	,	PUNCT
ejif-4307	73	28	it	it	PRON
ejif-4307	73	29	is	be	AUX
ejif-4307	73	30	known	know	VERB
ejif-4307	73	31	that	that	SCONJ
ejif-4307	73	32	the	the	DET
ejif-4307	73	33	rate	rate	NOUN
ejif-4307	73	34	of	of	ADP
ejif-4307	73	35	return	return	NOUN
ejif-4307	73	36	is	be	AUX
ejif-4307	73	37	pls	pls	ADV
ejif-4307	73	38	-	-	PUNCT
ejif-4307	73	39	based	base	VERB
ejif-4307	73	40	for	for	ADP
ejif-4307	73	41	depositors	depositor	NOUN
ejif-4307	73	42	.	.	PUNCT
ejif-4307	74	1	hence	hence	ADV
ejif-4307	74	2	,	,	PUNCT
ejif-4307	74	3	there	there	PRON
ejif-4307	74	4	is	be	VERB
ejif-4307	74	5	no	no	DET
ejif-4307	74	6	noteworthy	noteworthy	ADJ
ejif-4307	74	7	difference	difference	NOUN
ejif-4307	74	8	between	between	ADP
ejif-4307	74	9	interest	interest	NOUN
ejif-4307	74	10	rates	rate	NOUN
ejif-4307	74	11	of	of	ADP
ejif-4307	74	12	conventional	conventional	ADJ
ejif-4307	74	13	banks	bank	NOUN
ejif-4307	74	14	and	and	CCONJ
ejif-4307	74	15	the	the	DET
ejif-4307	74	16	rate	rate	NOUN
ejif-4307	74	17	of	of	ADP
ejif-4307	74	18	return	return	NOUN
ejif-4307	74	19	that	that	SCONJ
ejif-4307	74	20	islamic	islamic	ADJ
ejif-4307	74	21	banks	bank	NOUN
ejif-4307	74	22	pay	pay	VERB
ejif-4307	74	23	to	to	ADP
ejif-4307	74	24	their	their	PRON
ejif-4307	74	25	depositors	depositor	NOUN
ejif-4307	74	26	,	,	PUNCT
ejif-4307	74	27	though	though	SCONJ
ejif-4307	74	28	islamic	islamic	ADJ
ejif-4307	74	29	banks	bank	NOUN
ejif-4307	74	30	are	be	AUX
ejif-4307	74	31	plsbased	plsbase	VERB
ejif-4307	74	32	(	(	PUNCT
ejif-4307	74	33	chong	chong	PROPN
ejif-4307	74	34	&	&	CCONJ
ejif-4307	74	35	liu	liu	PROPN
ejif-4307	74	36	,	,	PUNCT
ejif-4307	74	37	2009	2009	NUM
ejif-4307	74	38	;	;	PUNCT
ejif-4307	74	39	ito	ito	PROPN
ejif-4307	74	40	,	,	PUNCT
ejif-4307	74	41	2013	2013	NUM
ejif-4307	74	42	;	;	PUNCT
ejif-4307	74	43	mushtaq	mushtaq	PROPN
ejif-4307	74	44	&	&	CCONJ
ejif-4307	74	45	siddiqui	siddiqui	PROPN
ejif-4307	74	46	,	,	PUNCT
ejif-4307	74	47	2017	2017	NUM
ejif-4307	74	48	;	;	PUNCT
ejif-4307	74	49	mustafa	mustafa	PROPN
ejif-4307	74	50	,	,	PUNCT
ejif-4307	74	51	2019	2019	NUM
ejif-4307	74	52	)	)	PUNCT
ejif-4307	74	53	.	.	PUNCT
ejif-4307	75	1	remarkably	remarkably	ADV
ejif-4307	75	2	,	,	PUNCT
ejif-4307	75	3	islamic	islamic	ADJ
ejif-4307	75	4	banks	bank	NOUN
ejif-4307	75	5	are	be	AUX
ejif-4307	75	6	highly	highly	ADV
ejif-4307	75	7	responsive	responsive	ADJ
ejif-4307	75	8	with	with	ADP
ejif-4307	75	9	rates	rate	NOUN
ejif-4307	75	10	of	of	ADP
ejif-4307	75	11	returns	return	NOUN
ejif-4307	75	12	movements	movement	NOUN
ejif-4307	75	13	for	for	ADP
ejif-4307	75	14	depositors	depositor	NOUN
ejif-4307	75	15	during	during	ADP
ejif-4307	75	16	interest	interest	NOUN
ejif-4307	75	17	rate	rate	NOUN
ejif-4307	75	18	hikes	hike	NOUN
ejif-4307	75	19	(	(	PUNCT
ejif-4307	75	20	akhatova	akhatova	PROPN
ejif-4307	75	21	,	,	PUNCT
ejif-4307	75	22	zainal	zainal	PROPN
ejif-4307	75	23	,	,	PUNCT
ejif-4307	75	24	&	&	CCONJ
ejif-4307	75	25	ibrahim	ibrahim	PROPN
ejif-4307	75	26	,	,	PUNCT
ejif-4307	75	27	2016	2016	NUM
ejif-4307	75	28	;	;	PUNCT
ejif-4307	75	29	aysan	aysan	ADJ
ejif-4307	75	30	,	,	PUNCT
ejif-4307	75	31	disli	disli	PROPN
ejif-4307	75	32	,	,	PUNCT
ejif-4307	75	33	ng	ng	PROPN
ejif-4307	75	34	,	,	PUNCT
ejif-4307	75	35	&	&	CCONJ
ejif-4307	75	36	ozturk	ozturk	PROPN
ejif-4307	75	37	,	,	PUNCT
ejif-4307	75	38	2016	2016	NUM
ejif-4307	75	39	)	)	PUNCT
ejif-4307	75	40	.	.	PUNCT
ejif-4307	76	1	moreover	moreover	ADV
ejif-4307	76	2	,	,	PUNCT
ejif-4307	76	3	in	in	ADP
ejif-4307	76	4	malaysia	malaysia	PROPN
ejif-4307	76	5	,	,	PUNCT
ejif-4307	76	6	a	a	DET
ejif-4307	76	7	tawarruq	tawarruq	NOUN
ejif-4307	76	8	contract	contract	NOUN
ejif-4307	76	9	does	do	AUX
ejif-4307	76	10	not	not	PART
ejif-4307	76	11	fulfil	fulfil	VERB
ejif-4307	76	12	the	the	DET
ejif-4307	76	13	sale	sale	NOUN
ejif-4307	76	14	contract	contract	NOUN
ejif-4307	76	15	requirement	requirement	NOUN
ejif-4307	76	16	(	(	PUNCT
ejif-4307	76	17	fa	fa	PROPN
ejif-4307	76	18	-	-	PUNCT
ejif-4307	76	19	yusuf	yusuf	PROPN
ejif-4307	76	20	&	&	CCONJ
ejif-4307	76	21	ndiaye	ndiaye	NOUN
ejif-4307	76	22	,	,	PUNCT
ejif-4307	76	23	2017	2017	NUM
ejif-4307	76	24	)	)	PUNCT
ejif-4307	76	25	and	and	CCONJ
ejif-4307	76	26	it	it	PRON
ejif-4307	76	27	is	be	AUX
ejif-4307	76	28	a	a	DET
ejif-4307	76	29	way	way	NOUN
ejif-4307	76	30	to	to	PART
ejif-4307	76	31	bypass	bypass	VERB
ejif-4307	76	32	interest	interest	NOUN
ejif-4307	76	33	taking	taking	NOUN
ejif-4307	76	34	(	(	PUNCT
ejif-4307	76	35	bilal	bilal	PROPN
ejif-4307	76	36	&	&	CCONJ
ejif-4307	76	37	meera	meera	PROPN
ejif-4307	76	38	,	,	PUNCT
ejif-4307	76	39	2015	2015	NUM
ejif-4307	76	40	)	)	PUNCT
ejif-4307	76	41	.	.	PUNCT
ejif-4307	77	1	khan	khan	PROPN
ejif-4307	77	2	(	(	PUNCT
ejif-4307	77	3	2010	2010	NUM
ejif-4307	77	4	)	)	PUNCT
ejif-4307	77	5	and	and	CCONJ
ejif-4307	77	6	majid	majid	PROPN
ejif-4307	77	7	et	et	PROPN
ejif-4307	77	8	al	al	PROPN
ejif-4307	77	9	.	.	PROPN
ejif-4307	78	1	(	(	PUNCT
ejif-4307	78	2	2016	2016	NUM
ejif-4307	78	3	)	)	PUNCT
ejif-4307	78	4	noted	note	VERB
ejif-4307	78	5	that	that	SCONJ
ejif-4307	78	6	the	the	DET
ejif-4307	78	7	price	price	NOUN
ejif-4307	78	8	of	of	ADP
ejif-4307	78	9	products	product	NOUN
ejif-4307	78	10	and	and	CCONJ
ejif-4307	78	11	services	service	NOUN
ejif-4307	78	12	of	of	ADP
ejif-4307	78	13	islamic	islamic	ADJ
ejif-4307	78	14	banks	bank	NOUN
ejif-4307	78	15	are	be	AUX
ejif-4307	78	16	higher	high	ADJ
ejif-4307	78	17	than	than	ADP
ejif-4307	78	18	conventional	conventional	ADJ
ejif-4307	78	19	banks	bank	NOUN
ejif-4307	78	20	.	.	PUNCT
ejif-4307	79	1	unexpectedly	unexpectedly	ADV
ejif-4307	79	2	,	,	PUNCT
ejif-4307	79	3	naqvi	naqvi	PROPN
ejif-4307	79	4	et	et	PROPN
ejif-4307	79	5	al	al	PROPN
ejif-4307	79	6	.	.	PROPN
ejif-4307	80	1	(	(	PUNCT
ejif-4307	80	2	2017	2017	NUM
ejif-4307	80	3	)	)	PUNCT
ejif-4307	80	4	outlined	outline	VERB
ejif-4307	80	5	that	that	SCONJ
ejif-4307	80	6	there	there	PRON
ejif-4307	80	7	three	three	NUM
ejif-4307	80	8	main	main	ADJ
ejif-4307	80	9	features	feature	NOUN
ejif-4307	80	10	of	of	ADP
ejif-4307	80	11	islamic	islamic	ADJ
ejif-4307	80	12	banks	bank	NOUN
ejif-4307	80	13	that	that	PRON
ejif-4307	80	14	initiate	initiate	VERB
ejif-4307	80	15	a	a	DET
ejif-4307	80	16	high	high	ADJ
ejif-4307	80	17	degree	degree	NOUN
ejif-4307	80	18	of	of	ADP
ejif-4307	80	19	inter	inter	NOUN
ejif-4307	80	20	-	-	NOUN
ejif-4307	80	21	mediation	mediation	NOUN
ejif-4307	80	22	which	which	PRON
ejif-4307	80	23	are	be	AUX
ejif-4307	80	24	;	;	PUNCT
ejif-4307	80	25	capitalization	capitalization	NOUN
ejif-4307	80	26	,	,	PUNCT
ejif-4307	80	27	improved	improve	VERB
ejif-4307	80	28	liquidity	liquidity	NOUN
ejif-4307	80	29	,	,	PUNCT
ejif-4307	80	30	and	and	CCONJ
ejif-4307	80	31	better	well	ADJ
ejif-4307	80	32	service	service	NOUN
ejif-4307	80	33	quality	quality	NOUN
ejif-4307	80	34	.	.	PUNCT
ejif-4307	81	1	these	these	DET
ejif-4307	81	2	findings	finding	NOUN
ejif-4307	81	3	are	be	AUX
ejif-4307	81	4	supported	support	VERB
ejif-4307	81	5	by	by	ADP
ejif-4307	81	6	a	a	DET
ejif-4307	81	7	previous	previous	ADJ
ejif-4307	81	8	study	study	NOUN
ejif-4307	81	9	by	by	ADP
ejif-4307	81	10	shabbir	shabbir	PROPN
ejif-4307	81	11	and	and	CCONJ
ejif-4307	81	12	rehman	rehman	PROPN
ejif-4307	81	13	(	(	PUNCT
ejif-4307	81	14	2019	2019	NUM
ejif-4307	81	15	)	)	PUNCT
ejif-4307	81	16	,	,	PUNCT
ejif-4307	81	17	which	which	PRON
ejif-4307	81	18	states	state	VERB
ejif-4307	81	19	that	that	SCONJ
ejif-4307	81	20	bank	bank	NOUN
ejif-4307	81	21	employees	employee	NOUN
ejif-4307	81	22	are	be	AUX
ejif-4307	81	23	not	not	PART
ejif-4307	81	24	knowledgeable	knowledgeable	ADJ
ejif-4307	81	25	in	in	ADP
ejif-4307	81	26	regards	regard	NOUN
ejif-4307	81	27	to	to	ADP
ejif-4307	81	28	being	be	AUX
ejif-4307	81	29	responsive	responsive	ADJ
ejif-4307	81	30	when	when	SCONJ
ejif-4307	81	31	serving	serve	VERB
ejif-4307	81	32	customers	customer	NOUN
ejif-4307	81	33	.	.	PUNCT
ejif-4307	82	1	subsequently	subsequently	ADV
ejif-4307	82	2	,	,	PUNCT
ejif-4307	82	3	waemustafa	waemustafa	PROPN
ejif-4307	82	4	(	(	PUNCT
ejif-4307	82	5	2013	2013	NUM
ejif-4307	82	6	)	)	PUNCT
ejif-4307	82	7	identified	identify	VERB
ejif-4307	82	8	that	that	SCONJ
ejif-4307	82	9	the	the	DET
ejif-4307	82	10	education	education	NOUN
ejif-4307	82	11	of	of	ADP
ejif-4307	82	12	islamic	islamic	ADJ
ejif-4307	82	13	banking	banking	NOUN
ejif-4307	82	14	and	and	CCONJ
ejif-4307	82	15	finance	finance	NOUN
ejif-4307	82	16	are	be	AUX
ejif-4307	82	17	not	not	PART
ejif-4307	82	18	expressly	expressly	ADV
ejif-4307	82	19	provided	provide	VERB
ejif-4307	82	20	for	for	ADP
ejif-4307	82	21	clients	client	NOUN
ejif-4307	82	22	and	and	CCONJ
ejif-4307	82	23	staff	staff	NOUN
ejif-4307	82	24	.	.	PUNCT
ejif-4307	83	1	likewise	likewise	ADV
ejif-4307	83	2	,	,	PUNCT
ejif-4307	83	3	majid	majid	PROPN
ejif-4307	83	4	et	et	PROPN
ejif-4307	83	5	al	al	PROPN
ejif-4307	83	6	.	.	PROPN
ejif-4307	84	1	(	(	PUNCT
ejif-4307	84	2	2016	2016	NUM
ejif-4307	84	3	)	)	PUNCT
ejif-4307	84	4	found	find	VERB
ejif-4307	84	5	the	the	DET
ejif-4307	84	6	lack	lack	NOUN
ejif-4307	84	7	of	of	ADP
ejif-4307	84	8	awareness	awareness	NOUN
ejif-4307	84	9	and	and	CCONJ
ejif-4307	84	10	knowledge	knowledge	NOUN
ejif-4307	84	11	about	about	ADP
ejif-4307	84	12	islamic	islamic	ADJ
ejif-4307	84	13	finance	finance	NOUN
ejif-4307	84	14	in	in	ADP
ejif-4307	84	15	malaysia	malaysia	PROPN
ejif-4307	84	16	.	.	PUNCT
ejif-4307	85	1	it	it	PRON
ejif-4307	85	2	was	be	AUX
ejif-4307	85	3	also	also	ADV
ejif-4307	85	4	found	find	VERB
ejif-4307	85	5	that	that	SCONJ
ejif-4307	85	6	islamic	islamic	ADJ
ejif-4307	85	7	banking	banking	NOUN
ejif-4307	85	8	and	and	CCONJ
ejif-4307	85	9	finance	finance	NOUN
ejif-4307	85	10	plays	play	VERB
ejif-4307	85	11	a	a	DET
ejif-4307	85	12	significant	significant	ADJ
ejif-4307	85	13	role	role	NOUN
ejif-4307	85	14	in	in	ADP
ejif-4307	85	15	economic	economic	ADJ
ejif-4307	85	16	growth	growth	NOUN
ejif-4307	85	17	and	and	CCONJ
ejif-4307	85	18	development	development	NOUN
ejif-4307	85	19	in	in	ADP
ejif-4307	85	20	malaysia	malaysia	PROPN
ejif-4307	85	21	(	(	PUNCT
ejif-4307	85	22	khaliq	khaliq	PROPN
ejif-4307	85	23	&	&	CCONJ
ejif-4307	85	24	thaker	thaker	PROPN
ejif-4307	85	25	,	,	PUNCT
ejif-4307	85	26	2014	2014	NUM
ejif-4307	85	27	)	)	PUNCT
ejif-4307	85	28	.	.	PUNCT
ejif-4307	86	1	from	from	ADP
ejif-4307	86	2	past	past	ADJ
ejif-4307	86	3	studies	study	NOUN
ejif-4307	86	4	,	,	PUNCT
ejif-4307	86	5	there	there	PRON
ejif-4307	86	6	are	be	VERB
ejif-4307	86	7	two	two	NUM
ejif-4307	86	8	types	type	NOUN
ejif-4307	86	9	of	of	ADP
ejif-4307	86	10	criticism	criticism	NOUN
ejif-4307	86	11	laid	lay	VERB
ejif-4307	86	12	at	at	ADP
ejif-4307	86	13	the	the	DET
ejif-4307	86	14	door	door	NOUN
ejif-4307	86	15	of	of	ADP
ejif-4307	86	16	the	the	DET
ejif-4307	86	17	islamic	islamic	ADJ
ejif-4307	86	18	banking	banking	NOUN
ejif-4307	86	19	industry	industry	NOUN
ejif-4307	86	20	.	.	PUNCT
ejif-4307	87	1	one	one	NUM
ejif-4307	87	2	group	group	NOUN
ejif-4307	87	3	criticise	criticise	VERB
ejif-4307	87	4	constructively	constructively	ADV
ejif-4307	87	5	and	and	CCONJ
ejif-4307	87	6	another	another	DET
ejif-4307	87	7	group	group	NOUN
ejif-4307	87	8	destructively	destructively	ADV
ejif-4307	87	9	(	(	PUNCT
ejif-4307	87	10	lone	lone	PROPN
ejif-4307	87	11	&	&	CCONJ
ejif-4307	87	12	ahmad	ahmad	PROPN
ejif-4307	87	13	,	,	PUNCT
ejif-4307	87	14	2017	2017	NUM
ejif-4307	87	15	)	)	PUNCT
ejif-4307	87	16	.	.	PUNCT
ejif-4307	88	1	in	in	ADP
ejif-4307	88	2	detail	detail	NOUN
ejif-4307	88	3	,	,	PUNCT
ejif-4307	88	4	one	one	NUM
ejif-4307	88	5	group	group	NOUN
ejif-4307	88	6	offers	offer	VERB
ejif-4307	88	7	criticism	criticism	NOUN
ejif-4307	88	8	to	to	PART
ejif-4307	88	9	improve	improve	VERB
ejif-4307	88	10	the	the	DET
ejif-4307	88	11	industry	industry	NOUN
ejif-4307	88	12	whereas	whereas	SCONJ
ejif-4307	88	13	the	the	DET
ejif-4307	88	14	other	other	ADJ
ejif-4307	88	15	party	party	NOUN
ejif-4307	88	16	is	be	AUX
ejif-4307	88	17	very	very	ADV
ejif-4307	88	18	cynical	cynical	ADJ
ejif-4307	88	19	about	about	ADP
ejif-4307	88	20	the	the	DET
ejif-4307	88	21	islamic	islamic	ADJ
ejif-4307	88	22	banking	banking	NOUN
ejif-4307	88	23	industry	industry	NOUN
ejif-4307	88	24	.	.	PUNCT
ejif-4307	89	1	in	in	ADP
ejif-4307	89	2	fact	fact	NOUN
ejif-4307	89	3	,	,	PUNCT
ejif-4307	89	4	islamic	islamic	ADJ
ejif-4307	89	5	banks	bank	NOUN
ejif-4307	89	6	are	be	AUX
ejif-4307	89	7	not	not	PART
ejif-4307	89	8	charitable	charitable	ADJ
ejif-4307	89	9	institutions	institution	NOUN
ejif-4307	89	10	but	but	CCONJ
ejif-4307	89	11	are	be	AUX
ejif-4307	89	12	the	the	DET
ejif-4307	89	13	institutions	institution	NOUN
ejif-4307	89	14	that	that	PRON
ejif-4307	89	15	consider	consider	VERB
ejif-4307	89	16	the	the	DET
ejif-4307	89	17	investors‟	investors‟	NOUN
ejif-4307	89	18	desire	desire	NOUN
ejif-4307	89	19	through	through	ADP
ejif-4307	89	20	the	the	DET
ejif-4307	89	21	time	time	NOUN
ejif-4307	89	22	value	value	NOUN
ejif-4307	89	23	of	of	ADP
ejif-4307	89	24	money	money	NOUN
ejif-4307	89	25	and	and	CCONJ
ejif-4307	89	26	returns	return	NOUN
ejif-4307	89	27	on	on	ADP
ejif-4307	89	28	their	their	PRON
ejif-4307	89	29	capital	capital	NOUN
ejif-4307	89	30	investment	investment	NOUN
ejif-4307	89	31	align	align	VERB
ejif-4307	89	32	with	with	ADP
ejif-4307	89	33	market	market	NOUN
ejif-4307	89	34	variations	variation	NOUN
ejif-4307	89	35	.	.	PUNCT
ejif-4307	90	1	a	a	DET
ejif-4307	90	2	study	study	NOUN
ejif-4307	90	3	criticised	criticise	VERB
ejif-4307	90	4	islamic	islamic	ADJ
ejif-4307	90	5	economics	economic	NOUN
ejif-4307	90	6	(	(	PUNCT
ejif-4307	90	7	kuran	kuran	NOUN
ejif-4307	90	8	,	,	PUNCT
ejif-4307	90	9	2004)as	2004)as	PROPN
ejif-4307	90	10	irrelevant	irrelevant	ADJ
ejif-4307	90	11	to	to	ADP
ejif-4307	90	12	modern	modern	ADJ
ejif-4307	90	13	economic	economic	ADJ
ejif-4307	90	14	ejif	ejif	NOUN
ejif-4307	90	15	–	–	PUNCT
ejif-4307	90	16	european	european	PROPN
ejif-4307	90	17	journal	journal	PROPN
ejif-4307	90	18	of	of	ADP
ejif-4307	90	19	islamic	islamic	PROPN
ejif-4307	90	20	finance	finance	PROPN
ejif-4307	90	21	no15	no15	PROPN
ejif-4307	90	22	,	,	PUNCT
ejif-4307	90	23	august	august	PROPN
ejif-4307	90	24	(	(	PUNCT
ejif-4307	90	25	2020	2020	NUM
ejif-4307	90	26	)	)	PUNCT
ejif-4307	91	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	91	2	issn	issn	VERB
ejif-4307	91	3	2421	2421	NUM
ejif-4307	91	4	-	-	SYM
ejif-4307	91	5	2172	2172	NUM
ejif-4307	91	6	4	4	NUM
ejif-4307	91	7	challenges	challenge	NOUN
ejif-4307	91	8	,	,	PUNCT
ejif-4307	91	9	but	but	CCONJ
ejif-4307	91	10	another	another	DET
ejif-4307	91	11	study	study	NOUN
ejif-4307	91	12	by	by	ADP
ejif-4307	91	13	the	the	DET
ejif-4307	91	14	same	same	ADJ
ejif-4307	91	15	author	author	NOUN
ejif-4307	91	16	criticised	criticise	VERB
ejif-4307	91	17	the	the	DET
ejif-4307	91	18	concept	concept	NOUN
ejif-4307	91	19	of	of	ADP
ejif-4307	91	20	islam	islam	PROPN
ejif-4307	91	21	(	(	PUNCT
ejif-4307	91	22	kuran	kuran	PROPN
ejif-4307	91	23	,	,	PUNCT
ejif-4307	91	24	2012	2012	NUM
ejif-4307	91	25	)	)	PUNCT
ejif-4307	91	26	.	.	PUNCT
ejif-4307	92	1	similarly	similarly	ADV
ejif-4307	92	2	,	,	PUNCT
ejif-4307	92	3	khan	khan	PROPN
ejif-4307	92	4	(	(	PUNCT
ejif-4307	92	5	2010	2010	NUM
ejif-4307	92	6	)	)	PUNCT
ejif-4307	92	7	pointed	point	VERB
ejif-4307	92	8	out	out	ADP
ejif-4307	92	9	the	the	DET
ejif-4307	92	10	extensive	extensive	ADJ
ejif-4307	92	11	discrepancies	discrepancy	NOUN
ejif-4307	92	12	between	between	ADP
ejif-4307	92	13	ideals	ideal	NOUN
ejif-4307	92	14	and	and	CCONJ
ejif-4307	92	15	practices	practice	NOUN
ejif-4307	92	16	of	of	ADP
ejif-4307	92	17	islamic	islamic	ADJ
ejif-4307	92	18	banking	banking	NOUN
ejif-4307	92	19	and	and	CCONJ
ejif-4307	92	20	finance	finance	NOUN
ejif-4307	92	21	.	.	PUNCT
ejif-4307	93	1	khan	khan	PROPN
ejif-4307	93	2	(	(	PUNCT
ejif-4307	93	3	2016	2016	NUM
ejif-4307	93	4	)	)	PUNCT
ejif-4307	93	5	made	make	VERB
ejif-4307	93	6	suggestions	suggestion	NOUN
ejif-4307	93	7	to	to	PART
ejif-4307	93	8	improve	improve	VERB
ejif-4307	93	9	islamic	islamic	ADJ
ejif-4307	93	10	banking	banking	NOUN
ejif-4307	93	11	,	,	PUNCT
ejif-4307	93	12	making	make	VERB
ejif-4307	93	13	it	it	PRON
ejif-4307	93	14	even	even	ADV
ejif-4307	93	15	more	more	ADV
ejif-4307	93	16	islamic	islamic	ADJ
ejif-4307	93	17	.	.	PUNCT
ejif-4307	94	1	subsequently	subsequently	ADV
ejif-4307	94	2	,	,	PUNCT
ejif-4307	94	3	it	it	PRON
ejif-4307	94	4	was	be	AUX
ejif-4307	94	5	clear	clear	ADJ
ejif-4307	94	6	that	that	SCONJ
ejif-4307	94	7	there	there	PRON
ejif-4307	94	8	are	be	VERB
ejif-4307	94	9	many	many	ADJ
ejif-4307	94	10	scholars	scholar	NOUN
ejif-4307	94	11	who	who	PRON
ejif-4307	94	12	aren‟t	aren‟t	PRON
ejif-4307	94	13	clear	clear	ADJ
ejif-4307	94	14	about	about	ADP
ejif-4307	94	15	the	the	DET
ejif-4307	94	16	concept	concept	NOUN
ejif-4307	94	17	,	,	PUNCT
ejif-4307	94	18	process	process	NOUN
ejif-4307	94	19	,	,	PUNCT
ejif-4307	94	20	and	and	CCONJ
ejif-4307	94	21	implementation	implementation	NOUN
ejif-4307	94	22	of	of	ADP
ejif-4307	94	23	islamic	islamic	ADJ
ejif-4307	94	24	banking	banking	PROPN
ejif-4307	94	25	.	.	PUNCT
ejif-4307	95	1	ali	ali	PROPN
ejif-4307	95	2	et	et	PROPN
ejif-4307	95	3	al	al	PROPN
ejif-4307	95	4	.	.	PROPN
ejif-4307	96	1	(	(	PUNCT
ejif-4307	96	2	2014	2014	NUM
ejif-4307	96	3	)	)	PUNCT
ejif-4307	96	4	hinted	hint	VERB
ejif-4307	96	5	that	that	SCONJ
ejif-4307	96	6	shariah	shariah	PROPN
ejif-4307	96	7	scholars	scholar	NOUN
ejif-4307	96	8	have	have	VERB
ejif-4307	96	9	limited	limit	VERB
ejif-4307	96	10	knowledge	knowledge	NOUN
ejif-4307	96	11	and	and	CCONJ
ejif-4307	96	12	experiences	experience	NOUN
ejif-4307	96	13	over	over	ADP
ejif-4307	96	14	islamic	islamic	ADJ
ejif-4307	96	15	finance	finance	NOUN
ejif-4307	96	16	and	and	CCONJ
ejif-4307	96	17	banking	banking	NOUN
ejif-4307	96	18	in	in	ADP
ejif-4307	96	19	bangladesh	bangladesh	NOUN
ejif-4307	96	20	.	.	PUNCT
ejif-4307	97	1	in	in	ADP
ejif-4307	97	2	alignment	alignment	NOUN
ejif-4307	97	3	with	with	ADP
ejif-4307	97	4	the	the	DET
ejif-4307	97	5	idea	idea	NOUN
ejif-4307	97	6	,	,	PUNCT
ejif-4307	97	7	majid	majid	PROPN
ejif-4307	97	8	et	et	PROPN
ejif-4307	97	9	al	al	PROPN
ejif-4307	97	10	.	.	PROPN
ejif-4307	98	1	(	(	PUNCT
ejif-4307	98	2	2016	2016	NUM
ejif-4307	98	3	)	)	PUNCT
ejif-4307	98	4	clarified	clarify	VERB
ejif-4307	98	5	that	that	SCONJ
ejif-4307	98	6	there	there	PRON
ejif-4307	98	7	is	be	VERB
ejif-4307	98	8	very	very	ADV
ejif-4307	98	9	few	few	ADJ
ejif-4307	98	10	knowledgeable	knowledgeable	ADJ
ejif-4307	98	11	and	and	CCONJ
ejif-4307	98	12	expert	expert	ADJ
ejif-4307	98	13	people	people	NOUN
ejif-4307	98	14	in	in	ADP
ejif-4307	98	15	islamic	islamic	ADJ
ejif-4307	98	16	finance	finance	NOUN
ejif-4307	98	17	and	and	CCONJ
ejif-4307	98	18	banking	banking	NOUN
ejif-4307	98	19	,	,	PUNCT
ejif-4307	98	20	supported	support	VERB
ejif-4307	98	21	by	by	ADP
ejif-4307	98	22	abdul	abdul	PROPN
ejif-4307	98	23	-	-	PUNCT
ejif-4307	98	24	rahman	rahman	PROPN
ejif-4307	98	25	,	,	PUNCT
ejif-4307	98	26	latif	latif	PROPN
ejif-4307	98	27	,	,	PUNCT
ejif-4307	98	28	muda	muda	PROPN
ejif-4307	98	29	,	,	PUNCT
ejif-4307	98	30	&	&	CCONJ
ejif-4307	98	31	abdullah	abdullah	PROPN
ejif-4307	98	32	,	,	PUNCT
ejif-4307	98	33	2014	2014	NUM
ejif-4307	98	34	;	;	PUNCT
ejif-4307	98	35	abosedra	abosedra	PROPN
ejif-4307	98	36	&	&	CCONJ
ejif-4307	98	37	bernard	bernard	PROPN
ejif-4307	98	38	,	,	PUNCT
ejif-4307	98	39	2018	2018	NUM
ejif-4307	98	40	;	;	PUNCT
ejif-4307	98	41	amin	amin	NOUN
ejif-4307	98	42	,	,	PUNCT
ejif-4307	98	43	abdul	abdul	PROPN
ejif-4307	98	44	-	-	PUNCT
ejif-4307	98	45	rahman	rahman	PROPN
ejif-4307	98	46	,	,	PUNCT
ejif-4307	98	47	&	&	CCONJ
ejif-4307	98	48	razak	razak	PROPN
ejif-4307	98	49	,	,	PUNCT
ejif-4307	98	50	2014	2014	NUM
ejif-4307	98	51	;	;	PUNCT
ejif-4307	98	52	kamil	kamil	PROPN
ejif-4307	98	53	&	&	CCONJ
ejif-4307	98	54	iqbal	iqbal	PROPN
ejif-4307	98	55	,	,	PUNCT
ejif-4307	98	56	2017	2017	NUM
ejif-4307	98	57	;	;	PUNCT
ejif-4307	98	58	kasim	kasim	PROPN
ejif-4307	98	59	,	,	PUNCT
ejif-4307	98	60	sanusi	sanusi	NOUN
ejif-4307	98	61	,	,	PUNCT
ejif-4307	98	62	mutamimah	mutamimah	PROPN
ejif-4307	98	63	,	,	PUNCT
ejif-4307	98	64	&	&	CCONJ
ejif-4307	98	65	handoyo	handoyo	PROPN
ejif-4307	98	66	,	,	PUNCT
ejif-4307	98	67	2013	2013	NUM
ejif-4307	98	68	;	;	PUNCT
ejif-4307	98	69	rhanoui	rhanoui	NOUN
ejif-4307	98	70	&	&	CCONJ
ejif-4307	98	71	belkhoutout	belkhoutout	NOUN
ejif-4307	98	72	,	,	PUNCT
ejif-4307	98	73	2017	2017	NUM
ejif-4307	98	74	;	;	PUNCT
ejif-4307	98	75	and	and	CCONJ
ejif-4307	98	76	yaacob	yaacob	PROPN
ejif-4307	98	77	&	&	CCONJ
ejif-4307	98	78	donglah	donglah	PROPN
ejif-4307	98	79	,	,	PUNCT
ejif-4307	98	80	2012.furthermore	2012.furthermore	CCONJ
ejif-4307	98	81	,	,	PUNCT
ejif-4307	98	82	an	an	DET
ejif-4307	98	83	islamic	islamic	ADJ
ejif-4307	98	84	bank	bank	NOUN
ejif-4307	98	85	can	can	AUX
ejif-4307	98	86	educate	educate	VERB
ejif-4307	98	87	those	those	PRON
ejif-4307	98	88	with	with	ADP
ejif-4307	98	89	a	a	DET
ejif-4307	98	90	non	non	ADJ
ejif-4307	98	91	-	-	ADJ
ejif-4307	98	92	islamic	islamic	ADJ
ejif-4307	98	93	shariah	shariah	PROPN
ejif-4307	98	94	background	background	NOUN
ejif-4307	98	95	bankers	banker	NOUN
ejif-4307	98	96	in	in	ADP
ejif-4307	98	97	regards	regard	NOUN
ejif-4307	98	98	to	to	ADP
ejif-4307	98	99	managing	manage	VERB
ejif-4307	98	100	a	a	DET
ejif-4307	98	101	bank‟s	bank‟s	ADJ
ejif-4307	98	102	operations(ahmed	operations(ahmed	PROPN
ejif-4307	98	103	,	,	PUNCT
ejif-4307	98	104	manwani	manwani	NOUN
ejif-4307	98	105	,	,	PUNCT
ejif-4307	98	106	&	&	CCONJ
ejif-4307	98	107	ahmed	ahmed	PROPN
ejif-4307	98	108	,	,	PUNCT
ejif-4307	98	109	2018	2018	NUM
ejif-4307	98	110	;	;	PUNCT
ejif-4307	98	111	waemustafa	waemustafa	PROPN
ejif-4307	98	112	,	,	PUNCT
ejif-4307	98	113	2013	2013	NUM
ejif-4307	98	114	)	)	PUNCT
ejif-4307	98	115	.	.	PUNCT
ejif-4307	99	1	dr	dr	PROPN
ejif-4307	99	2	.	.	PROPN
ejif-4307	99	3	mohd	mohd	PROPN
ejif-4307	99	4	daud	daud	PROPN
ejif-4307	99	5	bakar	bakar	PROPN
ejif-4307	99	6	(	(	PUNCT
ejif-4307	99	7	the	the	DET
ejif-4307	99	8	chairman	chairman	NOUN
ejif-4307	99	9	of	of	ADP
ejif-4307	99	10	the	the	DET
ejif-4307	99	11	shariah	shariah	PROPN
ejif-4307	99	12	advisory	advisory	PROPN
ejif-4307	99	13	council	council	PROPN
ejif-4307	99	14	,	,	PUNCT
ejif-4307	99	15	malaysia	malaysia	PROPN
ejif-4307	99	16	)	)	PUNCT
ejif-4307	99	17	noted	note	VERB
ejif-4307	99	18	that	that	SCONJ
ejif-4307	99	19	shariah	shariah	PROPN
ejif-4307	99	20	scholars	scholar	NOUN
ejif-4307	99	21	do	do	AUX
ejif-4307	99	22	not	not	PART
ejif-4307	99	23	permit	permit	VERB
ejif-4307	99	24	digital	digital	ADJ
ejif-4307	99	25	currency	currency	NOUN
ejif-4307	99	26	in	in	ADP
ejif-4307	99	27	islamic	islamic	ADJ
ejif-4307	99	28	finance	finance	NOUN
ejif-4307	99	29	because	because	SCONJ
ejif-4307	99	30	they	they	PRON
ejif-4307	99	31	do	do	AUX
ejif-4307	99	32	not	not	PART
ejif-4307	99	33	understand	understand	VERB
ejif-4307	99	34	the	the	DET
ejif-4307	99	35	concept	concept	NOUN
ejif-4307	99	36	of	of	ADP
ejif-4307	99	37	digital	digital	ADJ
ejif-4307	99	38	currencies	currency	NOUN
ejif-4307	99	39	(	(	PUNCT
ejif-4307	99	40	pikri	pikri	NOUN
ejif-4307	99	41	,	,	PUNCT
ejif-4307	99	42	2018	2018	NUM
ejif-4307	99	43	)	)	PUNCT
ejif-4307	99	44	.	.	PUNCT
ejif-4307	100	1	as	as	ADP
ejif-4307	100	2	a	a	DET
ejif-4307	100	3	result	result	NOUN
ejif-4307	100	4	,	,	PUNCT
ejif-4307	100	5	it	it	PRON
ejif-4307	100	6	is	be	AUX
ejif-4307	100	7	difficult	difficult	ADJ
ejif-4307	100	8	for	for	SCONJ
ejif-4307	100	9	shariah	shariah	PROPN
ejif-4307	100	10	supervisory	supervisory	ADJ
ejif-4307	100	11	boards	board	NOUN
ejif-4307	100	12	to	to	PART
ejif-4307	100	13	find	find	VERB
ejif-4307	100	14	adequate	adequate	ADJ
ejif-4307	100	15	and	and	CCONJ
ejif-4307	100	16	expert	expert	ADJ
ejif-4307	100	17	scholars	scholar	NOUN
ejif-4307	100	18	to	to	PART
ejif-4307	100	19	guide	guide	VERB
ejif-4307	100	20	islamic	islamic	PROPN
ejif-4307	100	21	banks‟	banks‟	CCONJ
ejif-4307	100	22	operations	operation	NOUN
ejif-4307	100	23	and	and	CCONJ
ejif-4307	100	24	activities	activity	NOUN
ejif-4307	100	25	(	(	PUNCT
ejif-4307	100	26	alam	alam	PROPN
ejif-4307	100	27	et	et	PROPN
ejif-4307	100	28	al	al	PROPN
ejif-4307	100	29	.	.	PROPN
ejif-4307	100	30	,	,	PUNCT
ejif-4307	100	31	2019	2019	NUM
ejif-4307	100	32	)	)	PUNCT
ejif-4307	100	33	.	.	PUNCT
ejif-4307	101	1	however	however	ADV
ejif-4307	101	2	,	,	PUNCT
ejif-4307	101	3	there	there	PRON
ejif-4307	101	4	are	be	VERB
ejif-4307	101	5	still	still	ADV
ejif-4307	101	6	instrumental	instrumental	ADJ
ejif-4307	101	7	deficient	deficient	ADJ
ejif-4307	101	8	among	among	ADP
ejif-4307	101	9	islamic	islamic	ADJ
ejif-4307	101	10	banks	bank	NOUN
ejif-4307	101	11	and	and	CCONJ
ejif-4307	101	12	institutions	institution	NOUN
ejif-4307	101	13	in	in	ADP
ejif-4307	101	14	order	order	NOUN
ejif-4307	101	15	to	to	PART
ejif-4307	101	16	adopt	adopt	VERB
ejif-4307	101	17	crypto	crypto	NOUN
ejif-4307	101	18	currency	currency	NOUN
ejif-4307	101	19	or	or	CCONJ
ejif-4307	101	20	digital	digital	ADJ
ejif-4307	101	21	currency	currency	NOUN
ejif-4307	101	22	by	by	ADP
ejif-4307	101	23	following	follow	VERB
ejif-4307	101	24	shariah	shariah	PROPN
ejif-4307	101	25	principles	principle	NOUN
ejif-4307	101	26	(	(	PUNCT
ejif-4307	101	27	chowdhury	chowdhury	PROPN
ejif-4307	101	28	&	&	CCONJ
ejif-4307	101	29	razak	razak	PROPN
ejif-4307	101	30	,	,	PUNCT
ejif-4307	101	31	2019	2019	NUM
ejif-4307	101	32	)	)	PUNCT
ejif-4307	101	33	.	.	PUNCT
ejif-4307	102	1	iv	iv	X
ejif-4307	102	2	.	.	PUNCT
ejif-4307	102	3	methodology	methodology	NOUN
ejif-4307	102	4	this	this	DET
ejif-4307	102	5	study	study	NOUN
ejif-4307	102	6	is	be	AUX
ejif-4307	102	7	descriptive	descriptive	ADJ
ejif-4307	102	8	exploratory	exploratory	ADJ
ejif-4307	102	9	and	and	CCONJ
ejif-4307	102	10	explanatory	explanatory	ADJ
ejif-4307	102	11	in	in	ADP
ejif-4307	102	12	nature	nature	NOUN
ejif-4307	102	13	.	.	PUNCT
ejif-4307	103	1	the	the	DET
ejif-4307	103	2	objective	objective	NOUN
ejif-4307	103	3	is	be	AUX
ejif-4307	103	4	to	to	PART
ejif-4307	103	5	employ	employ	VERB
ejif-4307	103	6	a	a	DET
ejif-4307	103	7	qualitative	qualitative	ADJ
ejif-4307	103	8	research	research	NOUN
ejif-4307	103	9	approach	approach	NOUN
ejif-4307	103	10	as	as	ADP
ejif-4307	103	11	the	the	DET
ejif-4307	103	12	key	key	ADJ
ejif-4307	103	13	research	research	NOUN
ejif-4307	103	14	methodology	methodology	NOUN
ejif-4307	103	15	to	to	PART
ejif-4307	103	16	have	have	VERB
ejif-4307	103	17	a	a	DET
ejif-4307	103	18	deeper	deep	ADJ
ejif-4307	103	19	understanding	understanding	NOUN
ejif-4307	103	20	of	of	ADP
ejif-4307	103	21	the	the	DET
ejif-4307	103	22	issues	issue	NOUN
ejif-4307	103	23	connected	connect	VERB
ejif-4307	103	24	to	to	ADP
ejif-4307	103	25	the	the	DET
ejif-4307	103	26	involvement	involvement	NOUN
ejif-4307	103	27	of	of	ADP
ejif-4307	103	28	the	the	DET
ejif-4307	103	29	improvement	improvement	NOUN
ejif-4307	103	30	of	of	ADP
ejif-4307	103	31	banking	banking	NOUN
ejif-4307	103	32	services	service	NOUN
ejif-4307	103	33	provided	provide	VERB
ejif-4307	103	34	by	by	ADP
ejif-4307	103	35	islamic	islamic	ADJ
ejif-4307	103	36	banks	bank	NOUN
ejif-4307	103	37	.	.	PUNCT
ejif-4307	104	1	this	this	DET
ejif-4307	104	2	study	study	NOUN
ejif-4307	104	3	articulates	articulate	VERB
ejif-4307	104	4	some	some	DET
ejif-4307	104	5	issues	issue	NOUN
ejif-4307	104	6	and	and	CCONJ
ejif-4307	104	7	interviewed	interview	VERB
ejif-4307	104	8	two	two	NUM
ejif-4307	104	9	experts	expert	NOUN
ejif-4307	104	10	from	from	ADP
ejif-4307	104	11	the	the	DET
ejif-4307	104	12	industry	industry	NOUN
ejif-4307	104	13	.	.	PUNCT
ejif-4307	105	1	the	the	DET
ejif-4307	105	2	first	first	ADJ
ejif-4307	105	3	participant	participant	NOUN
ejif-4307	105	4	is	be	AUX
ejif-4307	105	5	currently	currently	ADV
ejif-4307	105	6	serving	serve	VERB
ejif-4307	105	7	an	an	DET
ejif-4307	105	8	islamic	islamic	ADJ
ejif-4307	105	9	bank	bank	PROPN
ejif-4307	105	10	as	as	ADP
ejif-4307	105	11	the	the	DET
ejif-4307	105	12	shariah	shariah	PROPN
ejif-4307	105	13	advisor	advisor	NOUN
ejif-4307	105	14	and	and	CCONJ
ejif-4307	105	15	the	the	DET
ejif-4307	105	16	second	second	ADJ
ejif-4307	105	17	participant	participant	NOUN
ejif-4307	105	18	is	be	AUX
ejif-4307	105	19	a	a	DET
ejif-4307	105	20	former	former	ADJ
ejif-4307	105	21	islamic	islamic	PROPN
ejif-4307	105	22	bank	bank	PROPN
ejif-4307	105	23	employee	employee	NOUN
ejif-4307	105	24	.	.	PUNCT
ejif-4307	106	1	both	both	PRON
ejif-4307	106	2	of	of	ADP
ejif-4307	106	3	the	the	DET
ejif-4307	106	4	participants	participant	NOUN
ejif-4307	106	5	are	be	AUX
ejif-4307	106	6	also	also	ADV
ejif-4307	106	7	academic	academic	ADJ
ejif-4307	106	8	members	member	NOUN
ejif-4307	106	9	of	of	ADP
ejif-4307	106	10	respective	respective	ADJ
ejif-4307	106	11	universities	university	NOUN
ejif-4307	106	12	.	.	PUNCT
ejif-4307	107	1	the	the	DET
ejif-4307	107	2	study	study	NOUN
ejif-4307	107	3	has	have	AUX
ejif-4307	107	4	undertaken	undertake	VERB
ejif-4307	107	5	an	an	DET
ejif-4307	107	6	observation	observation	NOUN
ejif-4307	107	7	at	at	ADP
ejif-4307	107	8	bank	bank	NOUN
ejif-4307	107	9	premises	premise	NOUN
ejif-4307	107	10	to	to	PART
ejif-4307	107	11	observe	observe	VERB
ejif-4307	107	12	the	the	DET
ejif-4307	107	13	banking	banking	NOUN
ejif-4307	107	14	services	service	NOUN
ejif-4307	107	15	of	of	ADP
ejif-4307	107	16	the	the	DET
ejif-4307	107	17	bank	bank	NOUN
ejif-4307	107	18	as	as	ADV
ejif-4307	107	19	well	well	ADV
ejif-4307	107	20	.	.	PUNCT
ejif-4307	108	1	the	the	DET
ejif-4307	108	2	approach	approach	NOUN
ejif-4307	108	3	involves	involve	VERB
ejif-4307	108	4	the	the	DET
ejif-4307	108	5	use	use	NOUN
ejif-4307	108	6	of	of	ADP
ejif-4307	108	7	detailed	detailed	ADJ
ejif-4307	108	8	observation	observation	NOUN
ejif-4307	108	9	of	of	ADP
ejif-4307	108	10	the	the	DET
ejif-4307	108	11	banking	banking	NOUN
ejif-4307	108	12	services	service	NOUN
ejif-4307	108	13	and	and	CCONJ
ejif-4307	108	14	conducting	conduct	VERB
ejif-4307	108	15	an	an	DET
ejif-4307	108	16	intense	intense	ADJ
ejif-4307	108	17	and/or	and/or	CCONJ
ejif-4307	108	18	prolonged	prolonged	ADJ
ejif-4307	108	19	contact	contact	NOUN
ejif-4307	108	20	with	with	ADP
ejif-4307	108	21	participants	participant	NOUN
ejif-4307	108	22	.	.	PUNCT
ejif-4307	109	1	this	this	PRON
ejif-4307	109	2	will	will	AUX
ejif-4307	109	3	allow	allow	VERB
ejif-4307	109	4	the	the	DET
ejif-4307	109	5	researcher	researcher	NOUN
ejif-4307	109	6	to	to	PART
ejif-4307	109	7	gain	gain	VERB
ejif-4307	109	8	a	a	DET
ejif-4307	109	9	holistic	holistic	ADJ
ejif-4307	109	10	overview	overview	NOUN
ejif-4307	109	11	of	of	ADP
ejif-4307	109	12	the	the	DET
ejif-4307	109	13	context	context	NOUN
ejif-4307	109	14	under	under	ADP
ejif-4307	109	15	the	the	DET
ejif-4307	109	16	study	study	NOUN
ejif-4307	109	17	and	and	CCONJ
ejif-4307	109	18	capture	capture	VERB
ejif-4307	109	19	data	datum	NOUN
ejif-4307	109	20	on	on	ADP
ejif-4307	109	21	the	the	DET
ejif-4307	109	22	perceptions	perception	NOUN
ejif-4307	109	23	of	of	ADP
ejif-4307	109	24	actors	actor	NOUN
ejif-4307	109	25	from	from	ADP
ejif-4307	109	26	the	the	DET
ejif-4307	109	27	inside	inside	NOUN
ejif-4307	109	28	(	(	PUNCT
ejif-4307	109	29	lee	lee	PROPN
ejif-4307	109	30	,	,	PUNCT
ejif-4307	109	31	collier	collier	NOUN
ejif-4307	109	32	,	,	PUNCT
ejif-4307	109	33	&	&	CCONJ
ejif-4307	109	34	cullen	cullen	PROPN
ejif-4307	109	35	,	,	PUNCT
ejif-4307	109	36	2007	2007	NUM
ejif-4307	109	37	)	)	PUNCT
ejif-4307	109	38	.	.	PUNCT
ejif-4307	110	1	to	to	PART
ejif-4307	110	2	accomplish	accomplish	VERB
ejif-4307	110	3	the	the	DET
ejif-4307	110	4	objective	objective	NOUN
ejif-4307	110	5	of	of	ADP
ejif-4307	110	6	the	the	DET
ejif-4307	110	7	research	research	NOUN
ejif-4307	110	8	,	,	PUNCT
ejif-4307	110	9	an	an	DET
ejif-4307	110	10	exploratory	exploratory	ADJ
ejif-4307	110	11	study	study	NOUN
ejif-4307	110	12	has	have	AUX
ejif-4307	110	13	been	be	AUX
ejif-4307	110	14	conducted	conduct	VERB
ejif-4307	110	15	to	to	PART
ejif-4307	110	16	help	help	VERB
ejif-4307	110	17	the	the	DET
ejif-4307	110	18	researcher	researcher	NOUN
ejif-4307	110	19	spell	spell	VERB
ejif-4307	110	20	out	out	ADP
ejif-4307	110	21	the	the	DET
ejif-4307	110	22	understanding	understanding	NOUN
ejif-4307	110	23	of	of	ADP
ejif-4307	110	24	the	the	DET
ejif-4307	110	25	problem	problem	NOUN
ejif-4307	110	26	and	and	CCONJ
ejif-4307	110	27	be	be	AUX
ejif-4307	110	28	able	able	ADJ
ejif-4307	110	29	to	to	PART
ejif-4307	110	30	find	find	VERB
ejif-4307	110	31	out	out	ADP
ejif-4307	110	32	what	what	PRON
ejif-4307	110	33	is	be	AUX
ejif-4307	110	34	happening	happen	VERB
ejif-4307	110	35	,	,	PUNCT
ejif-4307	110	36	to	to	PART
ejif-4307	110	37	seek	seek	VERB
ejif-4307	110	38	new	new	ADJ
ejif-4307	110	39	insights	insight	NOUN
ejif-4307	110	40	,	,	PUNCT
ejif-4307	110	41	to	to	PART
ejif-4307	110	42	ask	ask	VERB
ejif-4307	110	43	questions	question	NOUN
ejif-4307	110	44	,	,	PUNCT
ejif-4307	110	45	and	and	CCONJ
ejif-4307	110	46	assess	assess	VERB
ejif-4307	110	47	the	the	DET
ejif-4307	110	48	phenomena	phenomenon	NOUN
ejif-4307	110	49	in	in	ADP
ejif-4307	110	50	a	a	DET
ejif-4307	110	51	new	new	ADJ
ejif-4307	110	52	light	light	NOUN
ejif-4307	110	53	(	(	PUNCT
ejif-4307	110	54	saunders	saunder	NOUN
ejif-4307	110	55	,	,	PUNCT
ejif-4307	110	56	lewis	lewis	PROPN
ejif-4307	110	57	,	,	PUNCT
ejif-4307	110	58	&	&	CCONJ
ejif-4307	110	59	thornhill	thornhill	PROPN
ejif-4307	110	60	,	,	PUNCT
ejif-4307	110	61	2007	2007	NUM
ejif-4307	110	62	)	)	PUNCT
ejif-4307	110	63	.	.	PUNCT
ejif-4307	111	1	v.	v.	ADP
ejif-4307	111	2	findings	finding	VERB
ejif-4307	111	3	a	a	DET
ejif-4307	111	4	summary	summary	NOUN
ejif-4307	111	5	of	of	ADP
ejif-4307	111	6	the	the	DET
ejif-4307	111	7	semi#-structured	semi#-structured	ADJ
ejif-4307	111	8	interviews	interview	NOUN
ejif-4307	111	9	with	with	ADP
ejif-4307	111	10	two	two	NUM
ejif-4307	111	11	islamic	islamic	ADJ
ejif-4307	111	12	banking	banking	NOUN
ejif-4307	111	13	practitioners	practitioner	NOUN
ejif-4307	111	14	and	and	CCONJ
ejif-4307	111	15	academics	academic	NOUN
ejif-4307	111	16	and	and	CCONJ
ejif-4307	111	17	a	a	DET
ejif-4307	111	18	previous	previous	ADJ
ejif-4307	111	19	islamic	islamic	ADJ
ejif-4307	111	20	banker	banker	NOUN
ejif-4307	111	21	in	in	ADP
ejif-4307	111	22	malaysia	malaysia	PROPN
ejif-4307	111	23	is	be	AUX
ejif-4307	111	24	presented	present	VERB
ejif-4307	111	25	below	below	ADV
ejif-4307	111	26	(	(	PUNCT
ejif-4307	111	27	table	table	VERB
ejif-4307	111	28	1).the	1).the	DET
ejif-4307	111	29	first	first	ADJ
ejif-4307	111	30	interviewee	interviewee	NOUN
ejif-4307	111	31	is	be	AUX
ejif-4307	111	32	a	a	DET
ejif-4307	111	33	shariah	shariah	PROPN
ejif-4307	111	34	adviser	adviser	NOUN
ejif-4307	111	35	who	who	PRON
ejif-4307	111	36	served	serve	VERB
ejif-4307	111	37	in	in	ADP
ejif-4307	111	38	an	an	DET
ejif-4307	111	39	islamic	islamic	ADJ
ejif-4307	111	40	bank	bank	PROPN
ejif-4307	111	41	in	in	ADP
ejif-4307	111	42	malaysia	malaysia	PROPN
ejif-4307	111	43	and	and	CCONJ
ejif-4307	111	44	the	the	DET
ejif-4307	111	45	other	other	ADJ
ejif-4307	111	46	interviewee	interviewee	NOUN
ejif-4307	111	47	is	be	AUX
ejif-4307	111	48	presently	presently	ADV
ejif-4307	111	49	serving	serve	VERB
ejif-4307	111	50	as	as	ADP
ejif-4307	111	51	an	an	DET
ejif-4307	111	52	academic	academic	ADJ
ejif-4307	111	53	member	member	NOUN
ejif-4307	111	54	of	of	ADP
ejif-4307	111	55	a	a	DET
ejif-4307	111	56	reputed	reputed	ADJ
ejif-4307	111	57	university	university	NOUN
ejif-4307	111	58	,	,	PUNCT
ejif-4307	111	59	but	but	CCONJ
ejif-4307	111	60	he	he	PRON
ejif-4307	111	61	was	be	AUX
ejif-4307	111	62	also	also	ADV
ejif-4307	111	63	an	an	DET
ejif-4307	111	64	islamic	islamic	ADJ
ejif-4307	111	65	banker	banker	NOUN
ejif-4307	111	66	in	in	ADP
ejif-4307	111	67	malaysia	malaysia	PROPN
ejif-4307	111	68	.	.	PUNCT
ejif-4307	112	1	the	the	DET
ejif-4307	112	2	findings	finding	NOUN
ejif-4307	112	3	from	from	ADP
ejif-4307	112	4	the	the	DET
ejif-4307	112	5	two	two	NUM
ejif-4307	112	6	participants	participant	NOUN
ejif-4307	112	7	are	be	AUX
ejif-4307	112	8	discussed	discuss	VERB
ejif-4307	112	9	in	in	ADP
ejif-4307	112	10	this	this	DET
ejif-4307	112	11	part	part	NOUN
ejif-4307	112	12	of	of	ADP
ejif-4307	112	13	the	the	DET
ejif-4307	112	14	study	study	NOUN
ejif-4307	112	15	.	.	PUNCT
ejif-4307	113	1	from	from	ADP
ejif-4307	113	2	the	the	DET
ejif-4307	113	3	participants‟	participants‟	ADJ
ejif-4307	113	4	interview	interview	NOUN
ejif-4307	113	5	,	,	PUNCT
ejif-4307	113	6	this	this	DET
ejif-4307	113	7	study	study	NOUN
ejif-4307	113	8	identified	identify	VERB
ejif-4307	113	9	four	four	NUM
ejif-4307	113	10	themes	theme	NOUN
ejif-4307	113	11	in	in	ADP
ejif-4307	113	12	the	the	DET
ejif-4307	113	13	data	datum	NOUN
ejif-4307	113	14	which	which	PRON
ejif-4307	113	15	are	be	AUX
ejif-4307	113	16	summarised	summarise	VERB
ejif-4307	113	17	in	in	ADP
ejif-4307	113	18	the	the	DET
ejif-4307	113	19	table	table	NOUN
ejif-4307	113	20	below	below	ADV
ejif-4307	113	21	:	:	PUNCT
ejif-4307	113	22	table	table	NOUN
ejif-4307	113	23	:	:	PUNCT
ejif-4307	113	24	summary	summary	NOUN
ejif-4307	113	25	of	of	ADP
ejif-4307	113	26	findings	finding	NOUN
ejif-4307	113	27	theme	theme	NOUN
ejif-4307	113	28	participant	participant	NOUN
ejif-4307	113	29	1	1	NUM
ejif-4307	113	30	participant	participant	ADJ
ejif-4307	113	31	2	2	NUM
ejif-4307	113	32	discussion	discussion	NOUN
ejif-4307	113	33	shariah	shariah	PROPN
ejif-4307	113	34	governance	governance	NOUN
ejif-4307	113	35	structure	structure	NOUN
ejif-4307	113	36	bank	bank	PROPN
ejif-4307	113	37	negara	negara	PROPN
ejif-4307	113	38	malaysia	malaysia	PROPN
ejif-4307	113	39	has	have	AUX
ejif-4307	113	40	offered	offer	VERB
ejif-4307	113	41	a	a	DET
ejif-4307	113	42	structure	structure	NOUN
ejif-4307	113	43	of	of	ADP
ejif-4307	113	44	a	a	DET
ejif-4307	113	45	shariah	shariah	PROPN
ejif-4307	113	46	governance	governance	NOUN
ejif-4307	113	47	framework	framework	NOUN
ejif-4307	113	48	to	to	PART
ejif-4307	113	49	ensure	ensure	VERB
ejif-4307	113	50	the	the	DET
ejif-4307	113	51	bank	bank	NOUN
ejif-4307	113	52	practices	practice	NOUN
ejif-4307	113	53	are	be	AUX
ejif-4307	113	54	compliant	compliant	ADJ
ejif-4307	113	55	with	with	ADP
ejif-4307	113	56	shariah	shariah	PROPN
ejif-4307	113	57	.	.	PUNCT
ejif-4307	114	1	the	the	DET
ejif-4307	114	2	government	government	NOUN
ejif-4307	114	3	shouldn‟t	shouldn‟t	ADV
ejif-4307	114	4	see	see	VERB
ejif-4307	114	5	it	it	PRON
ejif-4307	114	6	only	only	ADV
ejif-4307	114	7	from	from	ADP
ejif-4307	114	8	the	the	DET
ejif-4307	114	9	banking	banking	NOUN
ejif-4307	114	10	side	side	NOUN
ejif-4307	114	11	.	.	PUNCT
ejif-4307	115	1	if	if	SCONJ
ejif-4307	115	2	it	it	PRON
ejif-4307	115	3	is	be	AUX
ejif-4307	115	4	islamic	islamic	ADJ
ejif-4307	115	5	banking	banking	NOUN
ejif-4307	115	6	and	and	CCONJ
ejif-4307	115	7	finance	finance	NOUN
ejif-4307	115	8	,	,	PUNCT
ejif-4307	115	9	there	there	PRON
ejif-4307	115	10	are	be	VERB
ejif-4307	115	11	many	many	ADJ
ejif-4307	115	12	other	other	ADJ
ejif-4307	115	13	sides	side	NOUN
ejif-4307	115	14	such	such	ADJ
ejif-4307	115	15	as	as	ADP
ejif-4307	115	16	waqf	waqf	NOUN
ejif-4307	115	17	,	,	PUNCT
ejif-4307	115	18	zakat	zakat	NOUN
ejif-4307	115	19	,	,	PUNCT
ejif-4307	115	20	sadaqah	sadaqah	PROPN
ejif-4307	115	21	etc	etc	X
ejif-4307	115	22	.	.	PUNCT
ejif-4307	116	1	government	government	NOUN
ejif-4307	116	2	should	should	AUX
ejif-4307	116	3	look	look	VERB
ejif-4307	116	4	at	at	ADP
ejif-4307	116	5	those	those	DET
ejif-4307	116	6	concepts	concept	NOUN
ejif-4307	116	7	to	to	PART
ejif-4307	116	8	develop	develop	VERB
ejif-4307	116	9	when	when	SCONJ
ejif-4307	116	10	it	it	PRON
ejif-4307	116	11	is	be	AUX
ejif-4307	116	12	islamic	islamic	ADJ
ejif-4307	116	13	banking	banking	NOUN
ejif-4307	116	14	and	and	CCONJ
ejif-4307	116	15	finance	finance	NOUN
ejif-4307	116	16	.	.	PUNCT
ejif-4307	117	1	malaysia	malaysia	PROPN
ejif-4307	117	2	is	be	AUX
ejif-4307	117	3	very	very	ADV
ejif-4307	117	4	successful	successful	ADJ
ejif-4307	117	5	because	because	SCONJ
ejif-4307	117	6	of	of	ADP
ejif-4307	117	7	very	very	ADV
ejif-4307	117	8	good	good	ADJ
ejif-4307	117	9	infrastructure	infrastructure	NOUN
ejif-4307	117	10	,	,	PUNCT
ejif-4307	117	11	rules	rule	NOUN
ejif-4307	117	12	and	and	CCONJ
ejif-4307	117	13	regulations	regulation	NOUN
ejif-4307	117	14	,	,	PUNCT
ejif-4307	117	15	and	and	CCONJ
ejif-4307	117	16	the	the	DET
ejif-4307	117	17	government	government	NOUN
ejif-4307	117	18	currently	currently	ADV
ejif-4307	117	19	giving	give	VERB
ejif-4307	117	20	very	very	ADV
ejif-4307	117	21	strong	strong	ADJ
ejif-4307	117	22	support	support	NOUN
ejif-4307	117	23	.	.	PUNCT
ejif-4307	118	1	however	however	ADV
ejif-4307	118	2	,	,	PUNCT
ejif-4307	118	3	what	what	PRON
ejif-4307	118	4	we	we	PRON
ejif-4307	118	5	want	want	VERB
ejif-4307	118	6	to	to	PART
ejif-4307	118	7	see	see	VERB
ejif-4307	118	8	is	be	AUX
ejif-4307	118	9	more	more	ADJ
ejif-4307	118	10	improvement	improvement	NOUN
ejif-4307	118	11	of	of	ADP
ejif-4307	118	12	islamic	islamic	ADJ
ejif-4307	118	13	finance	finance	NOUN
ejif-4307	118	14	;	;	PUNCT
ejif-4307	118	15	all	all	DET
ejif-4307	118	16	islamic	islamic	ADJ
ejif-4307	118	17	finance	finance	NOUN
ejif-4307	118	18	is	be	AUX
ejif-4307	118	19	mostly	mostly	ADV
ejif-4307	118	20	contained	contain	VERB
ejif-4307	118	21	in	in	ADP
ejif-4307	118	22	conventional	conventional	ADJ
ejif-4307	118	23	system	system	NOUN
ejif-4307	118	24	such	such	ADJ
ejif-4307	118	25	as	as	ADP
ejif-4307	118	26	contracts	contract	NOUN
ejif-4307	118	27	,	,	PUNCT
ejif-4307	118	28	the	the	DET
ejif-4307	118	29	products	product	NOUN
ejif-4307	118	30	concept	concept	NOUN
ejif-4307	118	31	is	be	AUX
ejif-4307	118	32	more	more	ADJ
ejif-4307	118	33	towards	towards	ADP
ejif-4307	118	34	a	a	DET
ejif-4307	118	35	debt	debt	NOUN
ejif-4307	118	36	concept	concept	NOUN
ejif-4307	118	37	.	.	PUNCT
ejif-4307	119	1	islamic	islamic	ADJ
ejif-4307	119	2	banks	bank	NOUN
ejif-4307	119	3	are	be	AUX
ejif-4307	119	4	obliged	oblige	VERB
ejif-4307	119	5	to	to	PART
ejif-4307	119	6	follow	follow	VERB
ejif-4307	119	7	the	the	DET
ejif-4307	119	8	rules	rule	NOUN
ejif-4307	119	9	and	and	CCONJ
ejif-4307	119	10	regulations	regulation	NOUN
ejif-4307	119	11	that	that	PRON
ejif-4307	119	12	are	be	AUX
ejif-4307	119	13	imposed	impose	VERB
ejif-4307	119	14	by	by	ADP
ejif-4307	119	15	bank	bank	PROPN
ejif-4307	119	16	negara	negara	PROPN
ejif-4307	119	17	malaysia	malaysia	PROPN
ejif-4307	119	18	(	(	PUNCT
ejif-4307	119	19	bnm	bnm	PROPN
ejif-4307	119	20	)	)	PUNCT
ejif-4307	119	21	.	.	PUNCT
ejif-4307	120	1	in	in	ADP
ejif-4307	120	2	fact	fact	NOUN
ejif-4307	120	3	,	,	PUNCT
ejif-4307	120	4	all	all	DET
ejif-4307	120	5	islamic	islamic	ADJ
ejif-4307	120	6	banks	bank	NOUN
ejif-4307	120	7	are	be	AUX
ejif-4307	120	8	bound	bind	VERB
ejif-4307	120	9	to	to	PART
ejif-4307	120	10	follow	follow	VERB
ejif-4307	120	11	the	the	DET
ejif-4307	120	12	structure	structure	NOUN
ejif-4307	120	13	and	and	CCONJ
ejif-4307	120	14	systems	system	NOUN
ejif-4307	120	15	that	that	PRON
ejif-4307	120	16	have	have	AUX
ejif-4307	120	17	been	be	AUX
ejif-4307	120	18	introduced	introduce	VERB
ejif-4307	120	19	by	by	ADP
ejif-4307	120	20	bnm	bnm	PROPN
ejif-4307	120	21	.	.	PUNCT
ejif-4307	121	1	therefore	therefore	ADV
ejif-4307	121	2	,	,	PUNCT
ejif-4307	121	3	there	there	PRON
ejif-4307	121	4	is	be	VERB
ejif-4307	121	5	no	no	DET
ejif-4307	121	6	way	way	NOUN
ejif-4307	121	7	to	to	PART
ejif-4307	121	8	adopt	adopt	VERB
ejif-4307	121	9	any	any	DET
ejif-4307	121	10	prohibited	prohibit	VERB
ejif-4307	121	11	structures	structure	NOUN
ejif-4307	121	12	to	to	PART
ejif-4307	121	13	practice	practice	VERB
ejif-4307	121	14	by	by	ADP
ejif-4307	121	15	islamic	islamic	ADJ
ejif-4307	121	16	banks	bank	NOUN
ejif-4307	121	17	in	in	ADP
ejif-4307	121	18	malaysia	malaysia	PROPN
ejif-4307	121	19	.	.	PUNCT
ejif-4307	122	1	conventional	conventional	ADJ
ejif-4307	122	2	benchmark	benchmark	NOUN
ejif-4307	122	3	because	because	SCONJ
ejif-4307	122	4	conventional	conventional	ADJ
ejif-4307	122	5	banking	banking	NOUN
ejif-4307	122	6	has	have	AUX
ejif-4307	122	7	dominated	dominate	VERB
ejif-4307	122	8	the	the	PRON
ejif-4307	122	9	there	there	PRON
ejif-4307	122	10	is	be	VERB
ejif-4307	122	11	no	no	DET
ejif-4307	122	12	other	other	ADJ
ejif-4307	122	13	benchmark	benchmark	NOUN
ejif-4307	122	14	to	to	PART
ejif-4307	122	15	determine	determine	VERB
ejif-4307	122	16	the	the	PRON
ejif-4307	122	17	in	in	ADP
ejif-4307	122	18	regards	regard	NOUN
ejif-4307	122	19	to	to	ADP
ejif-4307	122	20	benchmarks	benchmark	NOUN
ejif-4307	122	21	,	,	PUNCT
ejif-4307	122	22	islamic	islamic	ADJ
ejif-4307	122	23	banks	bank	NOUN
ejif-4307	122	24	are	be	AUX
ejif-4307	122	25	ejif	ejif	ADJ
ejif-4307	122	26	–	–	PUNCT
ejif-4307	122	27	european	european	ADJ
ejif-4307	122	28	journal	journal	PROPN
ejif-4307	122	29	of	of	ADP
ejif-4307	122	30	islamic	islamic	PROPN
ejif-4307	122	31	finance	finance	PROPN
ejif-4307	122	32	no15	no15	PROPN
ejif-4307	122	33	,	,	PUNCT
ejif-4307	122	34	august	august	PROPN
ejif-4307	122	35	(	(	PUNCT
ejif-4307	122	36	2020	2020	NUM
ejif-4307	122	37	)	)	PUNCT
ejif-4307	123	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	123	2	issn	issn	VERB
ejif-4307	123	3	2421	2421	NUM
ejif-4307	123	4	-	-	SYM
ejif-4307	123	5	2172	2172	NUM
ejif-4307	123	6	5	5	NUM
ejif-4307	123	7	financial	financial	ADJ
ejif-4307	123	8	system	system	NOUN
ejif-4307	123	9	for	for	ADP
ejif-4307	123	10	a	a	DET
ejif-4307	123	11	long	long	ADJ
ejif-4307	123	12	period	period	NOUN
ejif-4307	123	13	,	,	PUNCT
ejif-4307	123	14	islamic	islamic	ADJ
ejif-4307	123	15	banks	bank	NOUN
ejif-4307	123	16	are	be	AUX
ejif-4307	123	17	still	still	ADV
ejif-4307	123	18	a	a	DET
ejif-4307	123	19	new	new	ADJ
ejif-4307	123	20	industry	industry	NOUN
ejif-4307	123	21	in	in	ADP
ejif-4307	123	22	the	the	DET
ejif-4307	123	23	market	market	NOUN
ejif-4307	123	24	.	.	PUNCT
ejif-4307	124	1	there	there	PRON
ejif-4307	124	2	are	be	VERB
ejif-4307	124	3	a	a	DET
ejif-4307	124	4	lot	lot	NOUN
ejif-4307	124	5	of	of	ADP
ejif-4307	124	6	major	major	ADJ
ejif-4307	124	7	players	player	NOUN
ejif-4307	124	8	in	in	ADP
ejif-4307	124	9	terms	term	NOUN
ejif-4307	124	10	of	of	ADP
ejif-4307	124	11	conventional	conventional	ADJ
ejif-4307	124	12	banks	bank	NOUN
ejif-4307	124	13	and	and	CCONJ
ejif-4307	124	14	they	they	PRON
ejif-4307	124	15	are	be	AUX
ejif-4307	124	16	experts	expert	NOUN
ejif-4307	124	17	,	,	PUNCT
ejif-4307	124	18	whereas	whereas	SCONJ
ejif-4307	124	19	islamic	islamic	ADJ
ejif-4307	124	20	banks	bank	NOUN
ejif-4307	124	21	are	be	AUX
ejif-4307	124	22	still	still	ADV
ejif-4307	124	23	lacking	lack	VERB
ejif-4307	124	24	structuring	structuring	NOUN
ejif-4307	124	25	of	of	ADP
ejif-4307	124	26	the	the	DET
ejif-4307	124	27	benchmark	benchmark	NOUN
ejif-4307	124	28	to	to	PART
ejif-4307	124	29	determine	determine	VERB
ejif-4307	124	30	their	their	PRON
ejif-4307	124	31	pricing	pricing	NOUN
ejif-4307	124	32	and	and	CCONJ
ejif-4307	124	33	profit	profit	NOUN
ejif-4307	124	34	rate	rate	NOUN
ejif-4307	124	35	.	.	PUNCT
ejif-4307	125	1	there	there	PRON
ejif-4307	125	2	is	be	VERB
ejif-4307	125	3	no	no	DET
ejif-4307	125	4	other	other	ADJ
ejif-4307	125	5	option	option	NOUN
ejif-4307	125	6	to	to	PART
ejif-4307	125	7	follow	follow	VERB
ejif-4307	125	8	by	by	ADP
ejif-4307	125	9	the	the	DET
ejif-4307	125	10	islamic	islamic	ADJ
ejif-4307	125	11	banks	bank	NOUN
ejif-4307	125	12	to	to	PART
ejif-4307	125	13	be	be	AUX
ejif-4307	125	14	acceptable	acceptable	ADJ
ejif-4307	125	15	worldwide	worldwide	ADV
ejif-4307	125	16	.	.	PUNCT
ejif-4307	126	1	however	however	ADV
ejif-4307	126	2	,	,	PUNCT
ejif-4307	126	3	there	there	PRON
ejif-4307	126	4	could	could	AUX
ejif-4307	126	5	be	be	AUX
ejif-4307	126	6	research	research	NOUN
ejif-4307	126	7	about	about	ADP
ejif-4307	126	8	the	the	DET
ejif-4307	126	9	structure	structure	NOUN
ejif-4307	126	10	of	of	ADP
ejif-4307	126	11	islamic	islamic	ADJ
ejif-4307	126	12	banking	banking	NOUN
ejif-4307	126	13	benchmark	benchmark	NOUN
ejif-4307	126	14	.	.	PUNCT
ejif-4307	127	1	interest	interest	NOUN
ejif-4307	127	2	rate	rate	NOUN
ejif-4307	127	3	.	.	PUNCT
ejif-4307	128	1	then	then	ADV
ejif-4307	128	2	again	again	ADV
ejif-4307	128	3	,	,	PUNCT
ejif-4307	128	4	there	there	PRON
ejif-4307	128	5	are	be	VERB
ejif-4307	128	6	some	some	DET
ejif-4307	128	7	other	other	ADJ
ejif-4307	128	8	concept	concept	NOUN
ejif-4307	128	9	that	that	PRON
ejif-4307	128	10	exist	exist	VERB
ejif-4307	128	11	such	such	ADJ
ejif-4307	128	12	as	as	ADP
ejif-4307	128	13	palm	palm	NOUN
ejif-4307	128	14	oil	oil	NOUN
ejif-4307	128	15	,	,	PUNCT
ejif-4307	128	16	gold	gold	NOUN
ejif-4307	128	17	,	,	PUNCT
ejif-4307	128	18	tawarruq	tawarruq	NOUN
ejif-4307	128	19	etc	etc	X
ejif-4307	128	20	,	,	PUNCT
ejif-4307	128	21	all	all	DET
ejif-4307	128	22	these	these	PRON
ejif-4307	128	23	are	be	AUX
ejif-4307	128	24	based	base	VERB
ejif-4307	128	25	on	on	ADP
ejif-4307	128	26	commodities	commodity	NOUN
ejif-4307	128	27	,	,	PUNCT
ejif-4307	128	28	but	but	CCONJ
ejif-4307	128	29	still	still	ADV
ejif-4307	128	30	,	,	PUNCT
ejif-4307	128	31	the	the	DET
ejif-4307	128	32	benchmark	benchmark	NOUN
ejif-4307	128	33	of	of	ADP
ejif-4307	128	34	commodities	commodity	NOUN
ejif-4307	128	35	is	be	AUX
ejif-4307	128	36	also	also	ADV
ejif-4307	128	37	interest	interest	NOUN
ejif-4307	128	38	.	.	PUNCT
ejif-4307	129	1	now	now	ADV
ejif-4307	129	2	,	,	PUNCT
ejif-4307	129	3	islamic	islamic	PROPN
ejif-4307	129	4	bank	bank	PROPN
ejif-4307	129	5	must	must	AUX
ejif-4307	129	6	find	find	VERB
ejif-4307	129	7	some	some	DET
ejif-4307	129	8	alternative	alternative	ADJ
ejif-4307	129	9	benchmarks	benchmark	NOUN
ejif-4307	129	10	rather	rather	ADV
ejif-4307	129	11	than	than	ADP
ejif-4307	129	12	using	use	VERB
ejif-4307	129	13	conventional	conventional	ADJ
ejif-4307	129	14	benchmarks	benchmark	NOUN
ejif-4307	129	15	.	.	PUNCT
ejif-4307	130	1	required	require	VERB
ejif-4307	130	2	to	to	PART
ejif-4307	130	3	maintain	maintain	VERB
ejif-4307	130	4	worldwide	worldwide	ADJ
ejif-4307	130	5	transactions	transaction	NOUN
ejif-4307	130	6	and	and	CCONJ
ejif-4307	130	7	policies	policy	NOUN
ejif-4307	130	8	.	.	PUNCT
ejif-4307	131	1	indeed	indeed	ADV
ejif-4307	131	2	,	,	PUNCT
ejif-4307	131	3	the	the	DET
ejif-4307	131	4	industry	industry	NOUN
ejif-4307	131	5	is	be	AUX
ejif-4307	131	6	still	still	ADV
ejif-4307	131	7	new	new	ADJ
ejif-4307	131	8	in	in	ADP
ejif-4307	131	9	the	the	DET
ejif-4307	131	10	financial	financial	ADJ
ejif-4307	131	11	market	market	NOUN
ejif-4307	131	12	.	.	PUNCT
ejif-4307	132	1	therefore	therefore	ADV
ejif-4307	132	2	,	,	PUNCT
ejif-4307	132	3	it	it	PRON
ejif-4307	132	4	is	be	AUX
ejif-4307	132	5	still	still	ADV
ejif-4307	132	6	structuring	structure	VERB
ejif-4307	132	7	its	its	PRON
ejif-4307	132	8	own	own	ADJ
ejif-4307	132	9	benchmarks	benchmark	NOUN
ejif-4307	132	10	to	to	PART
ejif-4307	132	11	apply	apply	VERB
ejif-4307	132	12	in	in	ADP
ejif-4307	132	13	the	the	DET
ejif-4307	132	14	financial	financial	ADJ
ejif-4307	132	15	market	market	NOUN
ejif-4307	132	16	.	.	PUNCT
ejif-4307	133	1	in	in	ADP
ejif-4307	133	2	addition	addition	NOUN
ejif-4307	133	3	,	,	PUNCT
ejif-4307	133	4	even	even	ADV
ejif-4307	133	5	though	though	SCONJ
ejif-4307	133	6	there	there	PRON
ejif-4307	133	7	are	be	VERB
ejif-4307	133	8	some	some	DET
ejif-4307	133	9	products	product	NOUN
ejif-4307	133	10	and	and	CCONJ
ejif-4307	133	11	transactions	transaction	NOUN
ejif-4307	133	12	that	that	PRON
ejif-4307	133	13	are	be	AUX
ejif-4307	133	14	like	like	ADP
ejif-4307	133	15	conventional	conventional	ADJ
ejif-4307	133	16	banks	bank	NOUN
ejif-4307	133	17	,	,	PUNCT
ejif-4307	133	18	these	these	PRON
ejif-4307	133	19	are	be	AUX
ejif-4307	133	20	still	still	ADV
ejif-4307	133	21	in	in	ADP
ejif-4307	133	22	alignment	alignment	NOUN
ejif-4307	133	23	with	with	ADP
ejif-4307	133	24	islamic	islamic	ADJ
ejif-4307	133	25	contracts	contract	NOUN
ejif-4307	133	26	and	and	CCONJ
ejif-4307	133	27	rules	rule	NOUN
ejif-4307	133	28	.	.	PUNCT
ejif-4307	134	1	therefore	therefore	ADV
ejif-4307	134	2	,	,	PUNCT
ejif-4307	134	3	it	it	PRON
ejif-4307	134	4	is	be	AUX
ejif-4307	134	5	not	not	PART
ejif-4307	134	6	wise	wise	ADJ
ejif-4307	134	7	to	to	PART
ejif-4307	134	8	find	find	VERB
ejif-4307	134	9	the	the	DET
ejif-4307	134	10	similarities	similarity	NOUN
ejif-4307	134	11	among	among	ADP
ejif-4307	134	12	the	the	DET
ejif-4307	134	13	products	product	NOUN
ejif-4307	134	14	from	from	ADP
ejif-4307	134	15	conventional	conventional	ADJ
ejif-4307	134	16	and	and	CCONJ
ejif-4307	134	17	islamic	islamic	ADJ
ejif-4307	134	18	products	product	NOUN
ejif-4307	134	19	.	.	PUNCT
ejif-4307	135	1	shariah	shariah	PROPN
ejif-4307	135	2	experts	expert	NOUN
ejif-4307	135	3	and	and	CCONJ
ejif-4307	135	4	islamic	islamic	ADJ
ejif-4307	135	5	finance	finance	NOUN
ejif-4307	135	6	scholar	scholar	NOUN
ejif-4307	135	7	previously	previously	ADV
ejif-4307	135	8	,	,	PUNCT
ejif-4307	135	9	they	they	PRON
ejif-4307	135	10	were	be	AUX
ejif-4307	135	11	limited	limit	VERB
ejif-4307	135	12	but	but	CCONJ
ejif-4307	135	13	with	with	ADP
ejif-4307	135	14	the	the	DET
ejif-4307	135	15	support	support	NOUN
ejif-4307	135	16	and	and	CCONJ
ejif-4307	135	17	efforts	effort	NOUN
ejif-4307	135	18	of	of	ADP
ejif-4307	135	19	bnm	bnm	PROPN
ejif-4307	135	20	,	,	PUNCT
ejif-4307	135	21	it	it	PRON
ejif-4307	135	22	has	have	AUX
ejif-4307	135	23	structured	structure	VERB
ejif-4307	135	24	some	some	DET
ejif-4307	135	25	special	special	ADJ
ejif-4307	135	26	universities	university	NOUN
ejif-4307	135	27	like	like	ADP
ejif-4307	135	28	inceif	inceif	NOUN
ejif-4307	135	29	and	and	CCONJ
ejif-4307	135	30	research	research	NOUN
ejif-4307	135	31	institutions	institution	NOUN
ejif-4307	135	32	like	like	ADP
ejif-4307	135	33	isra	isra	NOUN
ejif-4307	135	34	to	to	PART
ejif-4307	135	35	come	come	VERB
ejif-4307	135	36	up	up	ADP
ejif-4307	135	37	with	with	ADP
ejif-4307	135	38	experts	expert	NOUN
ejif-4307	135	39	in	in	ADP
ejif-4307	135	40	islamic	islamic	ADJ
ejif-4307	135	41	finance	finance	NOUN
ejif-4307	135	42	.	.	PUNCT
ejif-4307	136	1	however	however	ADV
ejif-4307	136	2	,	,	PUNCT
ejif-4307	136	3	the	the	DET
ejif-4307	136	4	numbers	number	NOUN
ejif-4307	136	5	are	be	AUX
ejif-4307	136	6	still	still	ADV
ejif-4307	136	7	not	not	PART
ejif-4307	136	8	enough	enough	ADJ
ejif-4307	136	9	,	,	PUNCT
ejif-4307	136	10	but	but	CCONJ
ejif-4307	136	11	it	it	PRON
ejif-4307	136	12	has	have	AUX
ejif-4307	136	13	been	be	AUX
ejif-4307	136	14	increasing	increase	VERB
ejif-4307	136	15	recently	recently	ADV
ejif-4307	136	16	as	as	SCONJ
ejif-4307	136	17	some	some	PRON
ejif-4307	136	18	of	of	ADP
ejif-4307	136	19	the	the	DET
ejif-4307	136	20	universities	university	NOUN
ejif-4307	136	21	focus	focus	VERB
ejif-4307	136	22	on	on	ADP
ejif-4307	136	23	islamic	islamic	ADJ
ejif-4307	136	24	financing	financing	NOUN
ejif-4307	136	25	in	in	ADP
ejif-4307	136	26	more	more	ADJ
ejif-4307	136	27	depth	depth	NOUN
ejif-4307	136	28	.	.	PUNCT
ejif-4307	137	1	therefore	therefore	ADV
ejif-4307	137	2	,	,	PUNCT
ejif-4307	137	3	many	many	ADJ
ejif-4307	137	4	experts	expert	NOUN
ejif-4307	137	5	they	they	PRON
ejif-4307	137	6	have	have	VERB
ejif-4307	137	7	to	to	PART
ejif-4307	137	8	have	have	VERB
ejif-4307	137	9	different	different	ADJ
ejif-4307	137	10	scholars	scholar	NOUN
ejif-4307	137	11	in	in	ADP
ejif-4307	137	12	each	each	PRON
ejif-4307	137	13	and	and	CCONJ
ejif-4307	137	14	every	every	DET
ejif-4307	137	15	different	different	ADJ
ejif-4307	137	16	concept	concept	NOUN
ejif-4307	137	17	of	of	ADP
ejif-4307	137	18	shariah	shariah	PROPN
ejif-4307	137	19	.	.	PUNCT
ejif-4307	138	1	everything	everything	PRON
ejif-4307	138	2	can	can	AUX
ejif-4307	138	3	properly	properly	ADV
ejif-4307	138	4	work	work	VERB
ejif-4307	138	5	with	with	ADP
ejif-4307	138	6	due	due	ADJ
ejif-4307	138	7	respect	respect	NOUN
ejif-4307	138	8	of	of	ADP
ejif-4307	138	9	ummah	ummah	PROPN
ejif-4307	138	10	.	.	PUNCT
ejif-4307	139	1	the	the	DET
ejif-4307	139	2	definition	definition	NOUN
ejif-4307	139	3	is	be	AUX
ejif-4307	139	4	very	very	ADV
ejif-4307	139	5	strong	strong	ADJ
ejif-4307	139	6	.	.	PUNCT
ejif-4307	140	1	if	if	SCONJ
ejif-4307	140	2	they	they	PRON
ejif-4307	140	3	find	find	VERB
ejif-4307	140	4	things	thing	NOUN
ejif-4307	140	5	wrong	wrong	ADJ
ejif-4307	140	6	everything	everything	PRON
ejif-4307	140	7	will	will	AUX
ejif-4307	140	8	be	be	AUX
ejif-4307	140	9	wrong	wrong	ADJ
ejif-4307	140	10	.	.	PUNCT
ejif-4307	141	1	if	if	SCONJ
ejif-4307	141	2	the	the	DET
ejif-4307	141	3	right	right	ADJ
ejif-4307	141	4	definition	definition	NOUN
ejif-4307	141	5	can	can	AUX
ejif-4307	141	6	be	be	AUX
ejif-4307	141	7	found	find	VERB
ejif-4307	141	8	,	,	PUNCT
ejif-4307	141	9	everything	everything	PRON
ejif-4307	141	10	should	should	AUX
ejif-4307	141	11	be	be	AUX
ejif-4307	141	12	done	do	VERB
ejif-4307	141	13	the	the	DET
ejif-4307	141	14	right	right	ADJ
ejif-4307	141	15	way	way	NOUN
ejif-4307	141	16	.	.	PUNCT
ejif-4307	142	1	numbers	number	NOUN
ejif-4307	142	2	of	of	ADP
ejif-4307	142	3	islamic	islamic	ADJ
ejif-4307	142	4	scholars	scholar	NOUN
ejif-4307	142	5	can	can	AUX
ejif-4307	142	6	be	be	AUX
ejif-4307	142	7	improved	improve	VERB
ejif-4307	142	8	in	in	ADP
ejif-4307	142	9	this	this	DET
ejif-4307	142	10	way	way	NOUN
ejif-4307	142	11	.	.	PUNCT
ejif-4307	143	1	it	it	PRON
ejif-4307	143	2	is	be	AUX
ejif-4307	143	3	observed	observe	VERB
ejif-4307	143	4	that	that	SCONJ
ejif-4307	143	5	some	some	DET
ejif-4307	143	6	universities	university	NOUN
ejif-4307	143	7	and	and	CCONJ
ejif-4307	143	8	institutions	institution	NOUN
ejif-4307	143	9	in	in	ADP
ejif-4307	143	10	malaysia	malaysia	PROPN
ejif-4307	143	11	are	be	AUX
ejif-4307	143	12	offering	offer	VERB
ejif-4307	143	13	islamic	islamic	ADJ
ejif-4307	143	14	banking	banking	NOUN
ejif-4307	143	15	courses	course	NOUN
ejif-4307	143	16	and	and	CCONJ
ejif-4307	143	17	training	training	NOUN
ejif-4307	143	18	for	for	ADP
ejif-4307	143	19	students	student	NOUN
ejif-4307	143	20	,	,	PUNCT
ejif-4307	143	21	increasing	increase	VERB
ejif-4307	143	22	the	the	DET
ejif-4307	143	23	number	number	NOUN
ejif-4307	143	24	of	of	ADP
ejif-4307	143	25	scholars	scholar	NOUN
ejif-4307	143	26	in	in	ADP
ejif-4307	143	27	the	the	DET
ejif-4307	143	28	industry	industry	NOUN
ejif-4307	143	29	,	,	PUNCT
ejif-4307	143	30	as	as	ADV
ejif-4307	143	31	well	well	ADV
ejif-4307	143	32	as	as	ADP
ejif-4307	143	33	experts	expert	NOUN
ejif-4307	143	34	.	.	PUNCT
ejif-4307	144	1	therefore	therefore	ADV
ejif-4307	144	2	,	,	PUNCT
ejif-4307	144	3	the	the	DET
ejif-4307	144	4	growth	growth	NOUN
ejif-4307	144	5	of	of	ADP
ejif-4307	144	6	islamic	islamic	ADJ
ejif-4307	144	7	scholars	scholar	NOUN
ejif-4307	144	8	is	be	AUX
ejif-4307	144	9	not	not	PART
ejif-4307	144	10	lacking	lack	VERB
ejif-4307	144	11	anymore	anymore	ADV
ejif-4307	144	12	.	.	PUNCT
ejif-4307	145	1	are	be	AUX
ejif-4307	145	2	appearing	appear	VERB
ejif-4307	145	3	.	.	PUNCT
ejif-4307	146	1	challenges	challenge	NOUN
ejif-4307	146	2	and	and	CCONJ
ejif-4307	146	3	criticism	criticism	NOUN
ejif-4307	146	4	of	of	ADP
ejif-4307	146	5	islamic	islamic	ADJ
ejif-4307	146	6	banks	bank	NOUN
ejif-4307	146	7	customer	customer	NOUN
ejif-4307	146	8	awareness	awareness	NOUN
ejif-4307	146	9	and	and	CCONJ
ejif-4307	146	10	knowledge	knowledge	NOUN
ejif-4307	146	11	of	of	ADP
ejif-4307	146	12	islamic	islamic	ADJ
ejif-4307	146	13	finance	finance	NOUN
ejif-4307	146	14	are	be	AUX
ejif-4307	146	15	the	the	DET
ejif-4307	146	16	challenges	challenge	NOUN
ejif-4307	146	17	of	of	ADP
ejif-4307	146	18	the	the	DET
ejif-4307	146	19	islamic	islamic	ADJ
ejif-4307	146	20	banks	bank	NOUN
ejif-4307	146	21	.	.	PUNCT
ejif-4307	147	1	there	there	PRON
ejif-4307	147	2	are	be	VERB
ejif-4307	147	3	some	some	DET
ejif-4307	147	4	things	thing	NOUN
ejif-4307	147	5	that	that	PRON
ejif-4307	147	6	are	be	AUX
ejif-4307	147	7	necessary	necessary	ADJ
ejif-4307	147	8	to	to	PART
ejif-4307	147	9	overcome	overcome	VERB
ejif-4307	147	10	these	these	DET
ejif-4307	147	11	challenges	challenge	NOUN
ejif-4307	147	12	like	like	ADP
ejif-4307	147	13	trainings	training	NOUN
ejif-4307	147	14	,	,	PUNCT
ejif-4307	147	15	educating	educate	VERB
ejif-4307	147	16	the	the	DET
ejif-4307	147	17	public	public	NOUN
ejif-4307	147	18	in	in	ADP
ejif-4307	147	19	the	the	DET
ejif-4307	147	20	schools	school	NOUN
ejif-4307	147	21	from	from	ADP
ejif-4307	147	22	primary	primary	ADJ
ejif-4307	147	23	level	level	NOUN
ejif-4307	147	24	.	.	PUNCT
ejif-4307	148	1	the	the	DET
ejif-4307	148	2	real	real	ADJ
ejif-4307	148	3	challenges	challenge	NOUN
ejif-4307	148	4	are	be	AUX
ejif-4307	148	5	that	that	SCONJ
ejif-4307	148	6	the	the	DET
ejif-4307	148	7	products	product	NOUN
ejif-4307	148	8	look	look	VERB
ejif-4307	148	9	like	like	ADP
ejif-4307	148	10	conventional	conventional	ADJ
ejif-4307	148	11	banking	banking	NOUN
ejif-4307	148	12	;	;	PUNCT
ejif-4307	148	13	the	the	DET
ejif-4307	148	14	lack	lack	NOUN
ejif-4307	148	15	of	of	ADP
ejif-4307	148	16	islamic	islamic	ADJ
ejif-4307	148	17	scholars	scholar	NOUN
ejif-4307	148	18	who	who	PRON
ejif-4307	148	19	know	know	VERB
ejif-4307	148	20	about	about	ADP
ejif-4307	148	21	islamic	islamic	ADJ
ejif-4307	148	22	finance	finance	NOUN
ejif-4307	148	23	very	very	ADV
ejif-4307	148	24	concisely	concisely	ADV
ejif-4307	148	25	.	.	PUNCT
ejif-4307	149	1	in	in	ADP
ejif-4307	149	2	order	order	NOUN
ejif-4307	149	3	to	to	PART
ejif-4307	149	4	overcome	overcome	VERB
ejif-4307	149	5	those	those	DET
ejif-4307	149	6	challenges	challenge	NOUN
ejif-4307	149	7	,	,	PUNCT
ejif-4307	149	8	the	the	DET
ejif-4307	149	9	government	government	NOUN
ejif-4307	149	10	should	should	AUX
ejif-4307	149	11	give	give	VERB
ejif-4307	149	12	full	full	ADJ
ejif-4307	149	13	support	support	NOUN
ejif-4307	149	14	.	.	PUNCT
ejif-4307	150	1	in	in	ADP
ejif-4307	150	2	that	that	DET
ejif-4307	150	3	regard	regard	NOUN
ejif-4307	150	4	,	,	PUNCT
ejif-4307	150	5	the	the	DET
ejif-4307	150	6	government	government	NOUN
ejif-4307	150	7	shouldn‟t	shouldn‟t	ADV
ejif-4307	150	8	see	see	VERB
ejif-4307	150	9	it	it	PRON
ejif-4307	150	10	only	only	ADV
ejif-4307	150	11	from	from	ADP
ejif-4307	150	12	the	the	DET
ejif-4307	150	13	banking	banking	NOUN
ejif-4307	150	14	side	side	NOUN
ejif-4307	150	15	.	.	PUNCT
ejif-4307	151	1	if	if	SCONJ
ejif-4307	151	2	it‟s	it‟s	PROPN
ejif-4307	151	3	islamic	islamic	ADJ
ejif-4307	151	4	banking	banking	NOUN
ejif-4307	151	5	and	and	CCONJ
ejif-4307	151	6	finance	finance	NOUN
ejif-4307	151	7	,	,	PUNCT
ejif-4307	151	8	there	there	PRON
ejif-4307	151	9	are	be	VERB
ejif-4307	151	10	many	many	ADJ
ejif-4307	151	11	other	other	ADJ
ejif-4307	151	12	sides	side	NOUN
ejif-4307	151	13	such	such	ADJ
ejif-4307	151	14	as	as	ADP
ejif-4307	151	15	waqf	waqf	NOUN
ejif-4307	151	16	,	,	PUNCT
ejif-4307	151	17	zakat	zakat	NOUN
ejif-4307	151	18	,	,	PUNCT
ejif-4307	151	19	sadaqah	sadaqah	PROPN
ejif-4307	151	20	etc	etc	X
ejif-4307	151	21	.	.	PUNCT
ejif-4307	152	1	the	the	DET
ejif-4307	152	2	government	government	NOUN
ejif-4307	152	3	should	should	AUX
ejif-4307	152	4	look	look	VERB
ejif-4307	152	5	at	at	ADP
ejif-4307	152	6	those	those	DET
ejif-4307	152	7	concepts	concept	NOUN
ejif-4307	152	8	to	to	PART
ejif-4307	152	9	develop	develop	VERB
ejif-4307	152	10	when	when	SCONJ
ejif-4307	152	11	it	it	PRON
ejif-4307	152	12	is	be	AUX
ejif-4307	152	13	islamic	islamic	ADJ
ejif-4307	152	14	banking	banking	NOUN
ejif-4307	152	15	and	and	CCONJ
ejif-4307	152	16	finance	finance	NOUN
ejif-4307	152	17	.	.	PUNCT
ejif-4307	153	1	islamic	islamic	ADJ
ejif-4307	153	2	banks	bank	NOUN
ejif-4307	153	3	should	should	AUX
ejif-4307	153	4	come	come	VERB
ejif-4307	153	5	out	out	ADP
ejif-4307	153	6	from	from	ADP
ejif-4307	153	7	the	the	DET
ejif-4307	153	8	conventional	conventional	ADJ
ejif-4307	153	9	systems	system	NOUN
ejif-4307	153	10	as	as	ADV
ejif-4307	153	11	much	much	ADV
ejif-4307	153	12	as	as	SCONJ
ejif-4307	153	13	they	they	PRON
ejif-4307	153	14	can	can	AUX
ejif-4307	153	15	,	,	PUNCT
ejif-4307	153	16	and	and	CCONJ
ejif-4307	153	17	the	the	DET
ejif-4307	153	18	government	government	NOUN
ejif-4307	153	19	should	should	AUX
ejif-4307	153	20	fully	fully	ADV
ejif-4307	153	21	support	support	VERB
ejif-4307	153	22	this	this	PRON
ejif-4307	153	23	.	.	PUNCT
ejif-4307	154	1	the	the	DET
ejif-4307	154	2	challenges	challenge	NOUN
ejif-4307	154	3	and	and	CCONJ
ejif-4307	154	4	criticism	criticism	NOUN
ejif-4307	154	5	of	of	ADP
ejif-4307	154	6	islamic	islamic	ADJ
ejif-4307	154	7	banking	banking	NOUN
ejif-4307	154	8	practices	practice	NOUN
ejif-4307	154	9	are	be	AUX
ejif-4307	154	10	solved	solve	VERB
ejif-4307	154	11	slowly	slowly	ADV
ejif-4307	154	12	.	.	PUNCT
ejif-4307	155	1	it	it	PRON
ejif-4307	155	2	is	be	AUX
ejif-4307	155	3	noteworthy	noteworthy	ADJ
ejif-4307	155	4	that	that	SCONJ
ejif-4307	155	5	there	there	PRON
ejif-4307	155	6	are	be	VERB
ejif-4307	155	7	very	very	ADV
ejif-4307	155	8	few	few	ADJ
ejif-4307	155	9	minor	minor	ADJ
ejif-4307	155	10	criticisms	criticism	NOUN
ejif-4307	155	11	is	be	AUX
ejif-4307	155	12	in	in	ADP
ejif-4307	155	13	the	the	DET
ejif-4307	155	14	market	market	NOUN
ejif-4307	155	15	.	.	PUNCT
ejif-4307	156	1	however	however	ADV
ejif-4307	156	2	,	,	PUNCT
ejif-4307	156	3	those	those	DET
ejif-4307	156	4	criticisms	criticism	NOUN
ejif-4307	156	5	can	can	AUX
ejif-4307	156	6	be	be	AUX
ejif-4307	156	7	solved	solve	VERB
ejif-4307	156	8	according	accord	VERB
ejif-4307	156	9	to	to	ADP
ejif-4307	156	10	the	the	DET
ejif-4307	156	11	grace	grace	NOUN
ejif-4307	156	12	of	of	ADP
ejif-4307	156	13	holy	holy	PROPN
ejif-4307	156	14	scriptures	scripture	NOUN
ejif-4307	156	15	and	and	CCONJ
ejif-4307	156	16	the	the	DET
ejif-4307	156	17	tawhidic	tawhidic	ADJ
ejif-4307	156	18	paradigm	paradigm	NOUN
ejif-4307	156	19	.	.	PUNCT
ejif-4307	157	1	scholars	scholar	NOUN
ejif-4307	157	2	put	put	VERB
ejif-4307	157	3	effort	effort	NOUN
ejif-4307	157	4	into	into	ADP
ejif-4307	157	5	solving	solve	VERB
ejif-4307	157	6	issues	issue	NOUN
ejif-4307	157	7	and	and	CCONJ
ejif-4307	157	8	at	at	ADP
ejif-4307	157	9	the	the	DET
ejif-4307	157	10	same	same	ADJ
ejif-4307	157	11	time	time	NOUN
ejif-4307	157	12	,	,	PUNCT
ejif-4307	157	13	provide	provide	VERB
ejif-4307	157	14	innovative	innovative	ADJ
ejif-4307	157	15	ideas	idea	NOUN
ejif-4307	157	16	to	to	PART
ejif-4307	157	17	tackle	tackle	VERB
ejif-4307	157	18	the	the	DET
ejif-4307	157	19	challenges	challenge	NOUN
ejif-4307	157	20	.	.	PUNCT
ejif-4307	158	1	moreover	moreover	ADV
ejif-4307	158	2	,	,	PUNCT
ejif-4307	158	3	the	the	DET
ejif-4307	158	4	government	government	NOUN
ejif-4307	158	5	also	also	ADV
ejif-4307	158	6	must	must	AUX
ejif-4307	158	7	offer	offer	VERB
ejif-4307	158	8	full	full	ADJ
ejif-4307	158	9	support	support	NOUN
ejif-4307	158	10	to	to	PART
ejif-4307	158	11	overcome	overcome	VERB
ejif-4307	158	12	those	those	DET
ejif-4307	158	13	challenges	challenge	NOUN
ejif-4307	158	14	and	and	CCONJ
ejif-4307	158	15	lessen	lessen	VERB
ejif-4307	158	16	the	the	DET
ejif-4307	158	17	criticism	criticism	NOUN
ejif-4307	158	18	about	about	ADP
ejif-4307	158	19	islamic	islamic	ADJ
ejif-4307	158	20	banking	banking	NOUN
ejif-4307	158	21	practice	practice	NOUN
ejif-4307	158	22	.	.	PUNCT
ejif-4307	159	1	vi	vi	X
ejif-4307	159	2	.	.	NOUN
ejif-4307	159	3	discussion	discussion	NOUN
ejif-4307	159	4	and	and	CCONJ
ejif-4307	159	5	suggestions	suggestion	NOUN
ejif-4307	159	6	from	from	ADP
ejif-4307	159	7	the	the	DET
ejif-4307	159	8	interviews	interview	NOUN
ejif-4307	159	9	,	,	PUNCT
ejif-4307	159	10	it	it	PRON
ejif-4307	159	11	is	be	AUX
ejif-4307	159	12	observed	observe	VERB
ejif-4307	159	13	that	that	SCONJ
ejif-4307	159	14	islamic	islamic	ADJ
ejif-4307	159	15	banks	bank	NOUN
ejif-4307	159	16	are	be	AUX
ejif-4307	159	17	obliged	oblige	VERB
ejif-4307	159	18	to	to	PART
ejif-4307	159	19	follow	follow	VERB
ejif-4307	159	20	the	the	DET
ejif-4307	159	21	rules	rule	NOUN
ejif-4307	159	22	and	and	CCONJ
ejif-4307	159	23	regulations	regulation	NOUN
ejif-4307	159	24	that	that	PRON
ejif-4307	159	25	are	be	AUX
ejif-4307	159	26	imposed	impose	VERB
ejif-4307	159	27	by	by	ADP
ejif-4307	159	28	bank	bank	PROPN
ejif-4307	159	29	negara	negara	PROPN
ejif-4307	159	30	malaysia	malaysia	PROPN
ejif-4307	159	31	(	(	PUNCT
ejif-4307	159	32	bnm	bnm	PROPN
ejif-4307	159	33	)	)	PUNCT
ejif-4307	159	34	.	.	PUNCT
ejif-4307	160	1	it	it	PRON
ejif-4307	160	2	is	be	AUX
ejif-4307	160	3	also	also	ADV
ejif-4307	160	4	acknowledged	acknowledge	VERB
ejif-4307	160	5	that	that	SCONJ
ejif-4307	160	6	all	all	DET
ejif-4307	160	7	islamic	islamic	ADJ
ejif-4307	160	8	banks	bank	NOUN
ejif-4307	160	9	are	be	AUX
ejif-4307	160	10	obliged	oblige	VERB
ejif-4307	160	11	to	to	PART
ejif-4307	160	12	follow	follow	VERB
ejif-4307	160	13	the	the	DET
ejif-4307	160	14	structure	structure	NOUN
ejif-4307	160	15	and	and	CCONJ
ejif-4307	160	16	systems	system	NOUN
ejif-4307	160	17	that	that	PRON
ejif-4307	160	18	are	be	AUX
ejif-4307	160	19	formulated	formulate	VERB
ejif-4307	160	20	by	by	ADP
ejif-4307	160	21	bnm(majid	bnm(majid	PROPN
ejif-4307	160	22	et	et	PROPN
ejif-4307	160	23	al	al	PROPN
ejif-4307	160	24	.	.	PROPN
ejif-4307	160	25	,	,	PUNCT
ejif-4307	160	26	2016	2016	NUM
ejif-4307	160	27	)	)	PUNCT
ejif-4307	160	28	.	.	PUNCT
ejif-4307	161	1	this	this	DET
ejif-4307	161	2	finding	finding	NOUN
ejif-4307	161	3	is	be	AUX
ejif-4307	161	4	supported	support	VERB
ejif-4307	161	5	by	by	ADP
ejif-4307	161	6	louhichi	louhichi	PROPN
ejif-4307	161	7	et	et	PROPN
ejif-4307	161	8	al	al	PROPN
ejif-4307	161	9	.	.	PROPN
ejif-4307	162	1	(	(	PUNCT
ejif-4307	162	2	2019	2019	NUM
ejif-4307	162	3	)	)	PUNCT
ejif-4307	162	4	.	.	PUNCT
ejif-4307	163	1	due	due	ADP
ejif-4307	163	2	to	to	ADP
ejif-4307	163	3	this	this	PRON
ejif-4307	163	4	,	,	PUNCT
ejif-4307	163	5	it	it	PRON
ejif-4307	163	6	would	would	AUX
ejif-4307	163	7	be	be	AUX
ejif-4307	163	8	illegitimate	illegitimate	ADJ
ejif-4307	163	9	to	to	PART
ejif-4307	163	10	adopt	adopt	VERB
ejif-4307	163	11	any	any	DET
ejif-4307	163	12	prohibited	prohibit	VERB
ejif-4307	163	13	structures	structure	NOUN
ejif-4307	163	14	to	to	PART
ejif-4307	163	15	practice	practice	VERB
ejif-4307	163	16	islamic	islamic	ADJ
ejif-4307	163	17	banking	banking	NOUN
ejif-4307	163	18	in	in	ADP
ejif-4307	163	19	malaysia	malaysia	PROPN
ejif-4307	163	20	.	.	PUNCT
ejif-4307	164	1	in	in	ADP
ejif-4307	164	2	regards	regard	NOUN
ejif-4307	164	3	to	to	ADP
ejif-4307	164	4	competition	competition	NOUN
ejif-4307	164	5	ejif	ejif	PROPN
ejif-4307	164	6	–	–	PUNCT
ejif-4307	164	7	european	european	PROPN
ejif-4307	164	8	journal	journal	PROPN
ejif-4307	164	9	of	of	ADP
ejif-4307	164	10	islamic	islamic	PROPN
ejif-4307	164	11	finance	finance	PROPN
ejif-4307	164	12	no15	no15	PROPN
ejif-4307	164	13	,	,	PUNCT
ejif-4307	164	14	august	august	PROPN
ejif-4307	164	15	(	(	PUNCT
ejif-4307	164	16	2020	2020	NUM
ejif-4307	164	17	)	)	PUNCT
ejif-4307	165	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	165	2	issn	issn	VERB
ejif-4307	165	3	2421	2421	NUM
ejif-4307	165	4	-	-	SYM
ejif-4307	165	5	2172	2172	NUM
ejif-4307	165	6	6	6	NUM
ejif-4307	165	7	with	with	ADP
ejif-4307	165	8	conventional	conventional	ADJ
ejif-4307	165	9	banks	bank	NOUN
ejif-4307	165	10	,	,	PUNCT
ejif-4307	165	11	islamic	islamic	ADJ
ejif-4307	165	12	banks	bank	NOUN
ejif-4307	165	13	can	can	AUX
ejif-4307	165	14	tackle	tackle	VERB
ejif-4307	165	15	it	it	PRON
ejif-4307	165	16	with	with	ADP
ejif-4307	165	17	innovative	innovative	ADJ
ejif-4307	165	18	products	product	NOUN
ejif-4307	165	19	and	and	CCONJ
ejif-4307	165	20	operational	operational	ADJ
ejif-4307	165	21	activities	activity	NOUN
ejif-4307	165	22	(	(	PUNCT
ejif-4307	165	23	kitamura	kitamura	NOUN
ejif-4307	165	24	,	,	PUNCT
ejif-4307	165	25	2019	2019	NUM
ejif-4307	165	26	)	)	PUNCT
ejif-4307	165	27	.	.	PUNCT
ejif-4307	166	1	it	it	PRON
ejif-4307	166	2	is	be	AUX
ejif-4307	166	3	observable	observable	ADJ
ejif-4307	166	4	that	that	SCONJ
ejif-4307	166	5	islamic	islamic	ADJ
ejif-4307	166	6	banks	bank	NOUN
ejif-4307	166	7	are	be	AUX
ejif-4307	166	8	successful	successful	ADJ
ejif-4307	166	9	in	in	ADP
ejif-4307	166	10	competing	compete	VERB
ejif-4307	166	11	with	with	ADP
ejif-4307	166	12	the	the	DET
ejif-4307	166	13	existing	exist	VERB
ejif-4307	166	14	banking	banking	NOUN
ejif-4307	166	15	industry	industry	NOUN
ejif-4307	166	16	.	.	PUNCT
ejif-4307	167	1	in	in	ADP
ejif-4307	167	2	addition	addition	NOUN
ejif-4307	167	3	,	,	PUNCT
ejif-4307	167	4	islamic	islamic	ADJ
ejif-4307	167	5	banks	bank	NOUN
ejif-4307	167	6	performed	perform	VERB
ejif-4307	167	7	better	well	ADV
ejif-4307	167	8	than	than	ADP
ejif-4307	167	9	conventional	conventional	ADJ
ejif-4307	167	10	banks	bank	NOUN
ejif-4307	167	11	during	during	ADP
ejif-4307	167	12	a	a	DET
ejif-4307	167	13	financial	financial	ADJ
ejif-4307	167	14	crisis	crisis	NOUN
ejif-4307	167	15	(	(	PUNCT
ejif-4307	167	16	bitar	bitar	PROPN
ejif-4307	167	17	,	,	PUNCT
ejif-4307	167	18	hassan	hassan	PROPN
ejif-4307	167	19	,	,	PUNCT
ejif-4307	167	20	&	&	CCONJ
ejif-4307	167	21	walker	walker	PROPN
ejif-4307	167	22	,	,	PUNCT
ejif-4307	167	23	2017	2017	NUM
ejif-4307	167	24	;	;	PUNCT
ejif-4307	167	25	doumpos	doumpos	PROPN
ejif-4307	167	26	et	et	PROPN
ejif-4307	167	27	al	al	PROPN
ejif-4307	167	28	.	.	PROPN
ejif-4307	167	29	,	,	PUNCT
ejif-4307	167	30	2017	2017	NUM
ejif-4307	167	31	;	;	PUNCT
ejif-4307	167	32	ebrahim	ebrahim	PROPN
ejif-4307	167	33	,	,	PUNCT
ejif-4307	167	34	jaafar	jaafar	ADV
ejif-4307	167	35	,	,	PUNCT
ejif-4307	167	36	omar	omar	PROPN
ejif-4307	167	37	,	,	PUNCT
ejif-4307	167	38	&	&	CCONJ
ejif-4307	167	39	salleh	salleh	PROPN
ejif-4307	167	40	,	,	PUNCT
ejif-4307	167	41	2016	2016	NUM
ejif-4307	167	42	;	;	PUNCT
ejif-4307	167	43	li	li	PROPN
ejif-4307	167	44	,	,	PUNCT
ejif-4307	167	45	ee	ee	PROPN
ejif-4307	167	46	,	,	PUNCT
ejif-4307	167	47	boo	boo	NOUN
ejif-4307	167	48	,	,	PUNCT
ejif-4307	167	49	&	&	CCONJ
ejif-4307	167	50	rashid	rashid	PROPN
ejif-4307	167	51	,	,	PUNCT
ejif-4307	167	52	2016	2016	NUM
ejif-4307	167	53	;	;	PUNCT
ejif-4307	167	54	louhichi	louhichi	PROPN
ejif-4307	167	55	et	et	PROPN
ejif-4307	167	56	al	al	PROPN
ejif-4307	167	57	.	.	PROPN
ejif-4307	167	58	,	,	PUNCT
ejif-4307	167	59	2019	2019	NUM
ejif-4307	167	60	;	;	PUNCT
ejif-4307	167	61	narayan	narayan	NOUN
ejif-4307	167	62	,	,	PUNCT
ejif-4307	167	63	rizvi	rizvi	PROPN
ejif-4307	167	64	,	,	PUNCT
ejif-4307	167	65	sakti	sakti	PROPN
ejif-4307	167	66	,	,	PUNCT
ejif-4307	167	67	&	&	CCONJ
ejif-4307	167	68	syarifuddin	syarifuddin	PROPN
ejif-4307	167	69	,	,	PUNCT
ejif-4307	167	70	2019	2019	NUM
ejif-4307	167	71	)	)	PUNCT
ejif-4307	167	72	.	.	PUNCT
ejif-4307	168	1	as	as	ADP
ejif-4307	168	2	a	a	DET
ejif-4307	168	3	result	result	NOUN
ejif-4307	168	4	,	,	PUNCT
ejif-4307	168	5	islamic	islamic	ADJ
ejif-4307	168	6	banks	bank	NOUN
ejif-4307	168	7	are	be	AUX
ejif-4307	168	8	growing	grow	VERB
ejif-4307	168	9	and	and	CCONJ
ejif-4307	168	10	conventional	conventional	ADJ
ejif-4307	168	11	banks	bank	NOUN
ejif-4307	168	12	are	be	AUX
ejif-4307	168	13	also	also	ADV
ejif-4307	168	14	operating	operate	VERB
ejif-4307	168	15	islamic	islamic	ADJ
ejif-4307	168	16	banking	banking	NOUN
ejif-4307	168	17	branches	branch	NOUN
ejif-4307	168	18	due	due	ADJ
ejif-4307	168	19	its	its	PRON
ejif-4307	168	20	significant	significant	ADJ
ejif-4307	168	21	performance	performance	NOUN
ejif-4307	168	22	(	(	PUNCT
ejif-4307	168	23	biancone	biancone	NOUN
ejif-4307	168	24	&	&	CCONJ
ejif-4307	168	25	radwan	radwan	PROPN
ejif-4307	168	26	,	,	PUNCT
ejif-4307	168	27	2018	2018	NUM
ejif-4307	168	28	)	)	PUNCT
ejif-4307	168	29	.	.	PUNCT
ejif-4307	169	1	both	both	DET
ejif-4307	169	2	interviewees	interviewee	NOUN
ejif-4307	169	3	admitted	admit	VERB
ejif-4307	169	4	that	that	SCONJ
ejif-4307	169	5	the	the	DET
ejif-4307	169	6	challenges	challenge	NOUN
ejif-4307	169	7	and	and	CCONJ
ejif-4307	169	8	criticisms	criticism	NOUN
ejif-4307	169	9	of	of	ADP
ejif-4307	169	10	islamic	islamic	ADJ
ejif-4307	169	11	banking	banking	NOUN
ejif-4307	169	12	practices	practice	NOUN
ejif-4307	169	13	are	be	AUX
ejif-4307	169	14	diminishing	diminish	VERB
ejif-4307	169	15	slowly	slowly	ADV
ejif-4307	169	16	.	.	PUNCT
ejif-4307	170	1	it	it	PRON
ejif-4307	170	2	is	be	AUX
ejif-4307	170	3	noticeable	noticeable	ADJ
ejif-4307	170	4	that	that	SCONJ
ejif-4307	170	5	there	there	PRON
ejif-4307	170	6	are	be	VERB
ejif-4307	170	7	very	very	ADV
ejif-4307	170	8	few	few	ADJ
ejif-4307	170	9	minor	minor	ADJ
ejif-4307	170	10	criticisms	criticism	NOUN
ejif-4307	170	11	in	in	ADP
ejif-4307	170	12	the	the	DET
ejif-4307	170	13	market	market	NOUN
ejif-4307	170	14	.	.	PUNCT
ejif-4307	171	1	however	however	ADV
ejif-4307	171	2	,	,	PUNCT
ejif-4307	171	3	those	those	DET
ejif-4307	171	4	criticisms	criticism	NOUN
ejif-4307	171	5	have	have	AUX
ejif-4307	171	6	been	be	AUX
ejif-4307	171	7	solved	solve	VERB
ejif-4307	171	8	by	by	ADP
ejif-4307	171	9	the	the	DET
ejif-4307	171	10	grace	grace	NOUN
ejif-4307	171	11	of	of	ADP
ejif-4307	171	12	the	the	DET
ejif-4307	171	13	holy	holy	PROPN
ejif-4307	171	14	scriptures	scripture	NOUN
ejif-4307	171	15	and	and	CCONJ
ejif-4307	171	16	tawhidic	tawhidic	ADJ
ejif-4307	171	17	paradigm	paradigm	NOUN
ejif-4307	171	18	.	.	PUNCT
ejif-4307	172	1	scholars	scholar	NOUN
ejif-4307	172	2	must	must	AUX
ejif-4307	172	3	put	put	VERB
ejif-4307	172	4	their	their	PRON
ejif-4307	172	5	efforts	effort	NOUN
ejif-4307	172	6	into	into	ADP
ejif-4307	172	7	solving	solve	VERB
ejif-4307	172	8	these	these	DET
ejif-4307	172	9	issues	issue	NOUN
ejif-4307	172	10	and	and	CCONJ
ejif-4307	172	11	,	,	PUNCT
ejif-4307	172	12	at	at	ADP
ejif-4307	172	13	the	the	DET
ejif-4307	172	14	same	same	ADJ
ejif-4307	172	15	time	time	NOUN
ejif-4307	172	16	,	,	PUNCT
ejif-4307	172	17	provide	provide	VERB
ejif-4307	172	18	innovative	innovative	ADJ
ejif-4307	172	19	ideas	idea	NOUN
ejif-4307	172	20	to	to	PART
ejif-4307	172	21	tackle	tackle	VERB
ejif-4307	172	22	these	these	DET
ejif-4307	172	23	challenges	challenge	NOUN
ejif-4307	172	24	.	.	PUNCT
ejif-4307	173	1	indeed	indeed	ADV
ejif-4307	173	2	,	,	PUNCT
ejif-4307	173	3	shariah	shariah	PROPN
ejif-4307	173	4	compliance	compliance	NOUN
ejif-4307	173	5	denotes	denote	VERB
ejif-4307	173	6	two	two	NUM
ejif-4307	173	7	types	type	NOUN
ejif-4307	173	8	of	of	ADP
ejif-4307	173	9	perspectives	perspective	NOUN
ejif-4307	173	10	;	;	PUNCT
ejif-4307	173	11	conservative	conservative	ADJ
ejif-4307	173	12	and	and	CCONJ
ejif-4307	173	13	moderate	moderate	ADJ
ejif-4307	173	14	ways	way	NOUN
ejif-4307	173	15	obligated	obligate	VERB
ejif-4307	173	16	to	to	PART
ejif-4307	173	17	involve	involve	VERB
ejif-4307	173	18	in	in	ADP
ejif-4307	173	19	islamic	islamic	ADJ
ejif-4307	173	20	financial	financial	ADJ
ejif-4307	173	21	activities	activity	NOUN
ejif-4307	173	22	(	(	PUNCT
ejif-4307	173	23	hermanto	hermanto	NOUN
ejif-4307	173	24	,	,	PUNCT
ejif-4307	173	25	2018	2018	NUM
ejif-4307	173	26	)	)	PUNCT
ejif-4307	173	27	.	.	PUNCT
ejif-4307	174	1	also	also	ADV
ejif-4307	174	2	,	,	PUNCT
ejif-4307	174	3	in	in	ADP
ejif-4307	174	4	regards	regard	NOUN
ejif-4307	174	5	to	to	ADP
ejif-4307	174	6	benchmarks	benchmark	NOUN
ejif-4307	174	7	,	,	PUNCT
ejif-4307	174	8	islamic	islamic	ADJ
ejif-4307	174	9	banks	bank	NOUN
ejif-4307	174	10	are	be	AUX
ejif-4307	174	11	required	require	VERB
ejif-4307	174	12	to	to	PART
ejif-4307	174	13	maintain	maintain	VERB
ejif-4307	174	14	worldwide	worldwide	ADJ
ejif-4307	174	15	transactions	transaction	NOUN
ejif-4307	174	16	and	and	CCONJ
ejif-4307	174	17	policies	policy	NOUN
ejif-4307	174	18	.	.	PUNCT
ejif-4307	175	1	certainly	certainly	ADV
ejif-4307	175	2	,	,	PUNCT
ejif-4307	175	3	the	the	DET
ejif-4307	175	4	industry	industry	NOUN
ejif-4307	175	5	is	be	AUX
ejif-4307	175	6	still	still	ADV
ejif-4307	175	7	new	new	ADJ
ejif-4307	175	8	in	in	ADP
ejif-4307	175	9	the	the	DET
ejif-4307	175	10	financial	financial	ADJ
ejif-4307	175	11	market	market	NOUN
ejif-4307	175	12	.	.	PUNCT
ejif-4307	176	1	hence	hence	ADV
ejif-4307	176	2	,	,	PUNCT
ejif-4307	176	3	it	it	PRON
ejif-4307	176	4	is	be	AUX
ejif-4307	176	5	still	still	ADV
ejif-4307	176	6	working	work	VERB
ejif-4307	176	7	to	to	PART
ejif-4307	176	8	structure	structure	VERB
ejif-4307	176	9	its	its	PRON
ejif-4307	176	10	own	own	ADJ
ejif-4307	176	11	benchmark	benchmark	NOUN
ejif-4307	176	12	to	to	PART
ejif-4307	176	13	apply	apply	VERB
ejif-4307	176	14	in	in	ADP
ejif-4307	176	15	the	the	DET
ejif-4307	176	16	financial	financial	ADJ
ejif-4307	176	17	market	market	NOUN
ejif-4307	176	18	.	.	PUNCT
ejif-4307	177	1	even	even	ADV
ejif-4307	177	2	though	though	SCONJ
ejif-4307	177	3	there	there	PRON
ejif-4307	177	4	are	be	VERB
ejif-4307	177	5	some	some	DET
ejif-4307	177	6	products	product	NOUN
ejif-4307	177	7	and	and	CCONJ
ejif-4307	177	8	transactions	transaction	NOUN
ejif-4307	177	9	that	that	PRON
ejif-4307	177	10	are	be	AUX
ejif-4307	177	11	like	like	ADP
ejif-4307	177	12	conventional	conventional	ADJ
ejif-4307	177	13	banks	bank	NOUN
ejif-4307	177	14	,	,	PUNCT
ejif-4307	177	15	those	those	PRON
ejif-4307	177	16	are	be	AUX
ejif-4307	177	17	still	still	ADV
ejif-4307	177	18	in	in	ADP
ejif-4307	177	19	alignment	alignment	NOUN
ejif-4307	177	20	with	with	ADP
ejif-4307	177	21	islamic	islamic	ADJ
ejif-4307	177	22	contracts	contract	NOUN
ejif-4307	177	23	and	and	CCONJ
ejif-4307	177	24	rules	rule	NOUN
ejif-4307	177	25	.	.	PUNCT
ejif-4307	178	1	this	this	PRON
ejif-4307	178	2	enables	enable	VERB
ejif-4307	178	3	malaysian	malaysian	ADJ
ejif-4307	178	4	muslims	muslim	NOUN
ejif-4307	178	5	to	to	PART
ejif-4307	178	6	use	use	VERB
ejif-4307	178	7	modern	modern	ADJ
ejif-4307	178	8	banking	banking	NOUN
ejif-4307	178	9	systems	system	NOUN
ejif-4307	178	10	under	under	ADP
ejif-4307	178	11	an	an	DET
ejif-4307	178	12	islamic	islamic	ADJ
ejif-4307	178	13	umbrella	umbrella	NOUN
ejif-4307	178	14	(	(	PUNCT
ejif-4307	178	15	kitamura	kitamura	PROPN
ejif-4307	178	16	,	,	PUNCT
ejif-4307	178	17	2019	2019	NUM
ejif-4307	178	18	)	)	PUNCT
ejif-4307	178	19	.	.	PUNCT
ejif-4307	179	1	in	in	ADP
ejif-4307	179	2	this	this	DET
ejif-4307	179	3	scenario	scenario	NOUN
ejif-4307	179	4	,	,	PUNCT
ejif-4307	179	5	islamic	islamic	ADJ
ejif-4307	179	6	banks	bank	NOUN
ejif-4307	179	7	put	put	VERB
ejif-4307	179	8	maximum	maximum	ADJ
ejif-4307	179	9	effort	effort	NOUN
ejif-4307	179	10	into	into	ADP
ejif-4307	179	11	maintaining	maintain	VERB
ejif-4307	179	12	their	their	PRON
ejif-4307	179	13	shariah	shariah	PROPN
ejif-4307	179	14	policies	policy	NOUN
ejif-4307	179	15	through	through	ADP
ejif-4307	179	16	banking	banking	NOUN
ejif-4307	179	17	activities	activity	NOUN
ejif-4307	179	18	.	.	PUNCT
ejif-4307	180	1	islamic	islamic	ADJ
ejif-4307	180	2	banking	banking	NOUN
ejif-4307	180	3	and	and	CCONJ
ejif-4307	180	4	finance	finance	NOUN
ejif-4307	180	5	has	have	VERB
ejif-4307	180	6	a	a	DET
ejif-4307	180	7	lack	lack	NOUN
ejif-4307	180	8	of	of	ADP
ejif-4307	180	9	qualified	qualified	ADJ
ejif-4307	180	10	islamic	islamic	ADJ
ejif-4307	180	11	economic	economic	ADJ
ejif-4307	180	12	experts	expert	NOUN
ejif-4307	180	13	who	who	PRON
ejif-4307	180	14	have	have	VERB
ejif-4307	180	15	an	an	DET
ejif-4307	180	16	integrated	integrated	ADJ
ejif-4307	180	17	modern	modern	ADJ
ejif-4307	180	18	banking	banking	NOUN
ejif-4307	180	19	and	and	CCONJ
ejif-4307	180	20	shariah	shariah	PROPN
ejif-4307	180	21	background	background	NOUN
ejif-4307	180	22	(	(	PUNCT
ejif-4307	180	23	supardin	supardin	PROPN
ejif-4307	180	24	,	,	PUNCT
ejif-4307	180	25	2020	2020	NUM
ejif-4307	180	26	)	)	PUNCT
ejif-4307	180	27	.	.	PUNCT
ejif-4307	181	1	in	in	ADP
ejif-4307	181	2	regards	regard	NOUN
ejif-4307	181	3	to	to	ADP
ejif-4307	181	4	the	the	DET
ejif-4307	181	5	scarcity	scarcity	NOUN
ejif-4307	181	6	of	of	ADP
ejif-4307	181	7	knowledgeable	knowledgeable	ADJ
ejif-4307	181	8	,	,	PUNCT
ejif-4307	181	9	shariah	shariah	PROPN
ejif-4307	181	10	scholars	scholars	PROPN
ejif-4307	181	11	,	,	PUNCT
ejif-4307	181	12	the	the	DET
ejif-4307	181	13	interviewees	interviewee	NOUN
ejif-4307	181	14	noted	note	VERB
ejif-4307	181	15	that	that	SCONJ
ejif-4307	181	16	universities	university	NOUN
ejif-4307	181	17	and	and	CCONJ
ejif-4307	181	18	institutions	institution	NOUN
ejif-4307	181	19	in	in	ADP
ejif-4307	181	20	malaysia	malaysia	PROPN
ejif-4307	181	21	are	be	AUX
ejif-4307	181	22	offering	offer	VERB
ejif-4307	181	23	islamic	islamic	ADJ
ejif-4307	181	24	banking	banking	NOUN
ejif-4307	181	25	courses	course	NOUN
ejif-4307	181	26	and	and	CCONJ
ejif-4307	181	27	training	training	NOUN
ejif-4307	181	28	for	for	ADP
ejif-4307	181	29	students	student	NOUN
ejif-4307	181	30	.	.	PUNCT
ejif-4307	182	1	as	as	ADP
ejif-4307	182	2	a	a	DET
ejif-4307	182	3	result	result	NOUN
ejif-4307	182	4	,	,	PUNCT
ejif-4307	182	5	there	there	PRON
ejif-4307	182	6	is	be	VERB
ejif-4307	182	7	potential	potential	ADJ
ejif-4307	182	8	for	for	ADP
ejif-4307	182	9	development	development	NOUN
ejif-4307	182	10	in	in	ADP
ejif-4307	182	11	shariah	shariah	PROPN
ejif-4307	182	12	related	relate	VERB
ejif-4307	182	13	human	human	ADJ
ejif-4307	182	14	capital	capital	NOUN
ejif-4307	182	15	in	in	ADP
ejif-4307	182	16	malaysia	malaysia	PROPN
ejif-4307	182	17	.	.	PUNCT
ejif-4307	183	1	not	not	PART
ejif-4307	183	2	to	to	PART
ejif-4307	183	3	mention	mention	VERB
ejif-4307	183	4	,	,	PUNCT
ejif-4307	183	5	the	the	DET
ejif-4307	183	6	interviewees	interviewee	NOUN
ejif-4307	183	7	agreed	agree	VERB
ejif-4307	183	8	with	with	ADP
ejif-4307	183	9	the	the	DET
ejif-4307	183	10	challenges	challenge	NOUN
ejif-4307	183	11	of	of	ADP
ejif-4307	183	12	insufficient	insufficient	ADJ
ejif-4307	183	13	innovative	innovative	ADJ
ejif-4307	183	14	products	product	NOUN
ejif-4307	183	15	,	,	PUNCT
ejif-4307	183	16	talent	talent	NOUN
ejif-4307	183	17	,	,	PUNCT
ejif-4307	183	18	and	and	CCONJ
ejif-4307	183	19	slow	slow	ADJ
ejif-4307	183	20	adoption	adoption	NOUN
ejif-4307	183	21	of	of	ADP
ejif-4307	183	22	financial	financial	ADJ
ejif-4307	183	23	technologies	technology	NOUN
ejif-4307	183	24	facing	face	VERB
ejif-4307	183	25	islamic	islamic	ADJ
ejif-4307	183	26	banks	bank	NOUN
ejif-4307	183	27	,	,	PUNCT
ejif-4307	183	28	as	as	SCONJ
ejif-4307	183	29	also	also	ADV
ejif-4307	183	30	supported	support	VERB
ejif-4307	183	31	by	by	ADP
ejif-4307	183	32	majid	majid	PROPN
ejif-4307	183	33	et	et	PROPN
ejif-4307	183	34	al.(2016	al.(2016	PROPN
ejif-4307	183	35	)	)	PUNCT
ejif-4307	183	36	.	.	PUNCT
ejif-4307	184	1	though	though	SCONJ
ejif-4307	184	2	some	some	PRON
ejif-4307	184	3	of	of	ADP
ejif-4307	184	4	the	the	DET
ejif-4307	184	5	islamic	islamic	ADJ
ejif-4307	184	6	banks	bank	NOUN
ejif-4307	184	7	are	be	AUX
ejif-4307	184	8	using	use	VERB
ejif-4307	184	9	financial	financial	ADJ
ejif-4307	184	10	technology	technology	NOUN
ejif-4307	184	11	(	(	PUNCT
ejif-4307	184	12	fintech	fintech	NOUN
ejif-4307	184	13	)	)	PUNCT
ejif-4307	184	14	currently	currently	ADV
ejif-4307	184	15	,	,	PUNCT
ejif-4307	184	16	several	several	ADJ
ejif-4307	184	17	banks	bank	NOUN
ejif-4307	184	18	are	be	AUX
ejif-4307	184	19	unable	unable	ADJ
ejif-4307	184	20	to	to	PART
ejif-4307	184	21	adopt	adopt	VERB
ejif-4307	184	22	innovations	innovation	NOUN
ejif-4307	184	23	due	due	ADJ
ejif-4307	184	24	to	to	ADP
ejif-4307	184	25	high	high	ADJ
ejif-4307	184	26	costs	cost	NOUN
ejif-4307	184	27	.	.	PUNCT
ejif-4307	185	1	moreover	moreover	ADV
ejif-4307	185	2	,	,	PUNCT
ejif-4307	185	3	the	the	DET
ejif-4307	185	4	response	response	NOUN
ejif-4307	185	5	to	to	ADP
ejif-4307	185	6	fintech	fintech	NOUN
ejif-4307	185	7	by	by	ADP
ejif-4307	185	8	islamic	islamic	ADJ
ejif-4307	185	9	banks	bank	NOUN
ejif-4307	185	10	is	be	AUX
ejif-4307	185	11	slow	slow	ADJ
ejif-4307	185	12	,	,	PUNCT
ejif-4307	185	13	notwithstanding	notwithstanding	ADP
ejif-4307	185	14	their	their	PRON
ejif-4307	185	15	comprehension	comprehension	NOUN
ejif-4307	185	16	of	of	ADP
ejif-4307	185	17	the	the	DET
ejif-4307	185	18	potential	potential	ADJ
ejif-4307	185	19	impact	impact	NOUN
ejif-4307	185	20	(	(	PUNCT
ejif-4307	185	21	ali	ali	PROPN
ejif-4307	185	22	,	,	PUNCT
ejif-4307	185	23	abdullah	abdullah	PROPN
ejif-4307	185	24	,	,	PUNCT
ejif-4307	185	25	&	&	CCONJ
ejif-4307	185	26	zaini	zaini	PROPN
ejif-4307	185	27	,	,	PUNCT
ejif-4307	185	28	2019	2019	NUM
ejif-4307	185	29	)	)	PUNCT
ejif-4307	185	30	.	.	PUNCT
ejif-4307	186	1	therefore	therefore	ADV
ejif-4307	186	2	,	,	PUNCT
ejif-4307	186	3	it	it	PRON
ejif-4307	186	4	is	be	AUX
ejif-4307	186	5	a	a	DET
ejif-4307	186	6	huge	huge	ADJ
ejif-4307	186	7	challenge	challenge	NOUN
ejif-4307	186	8	for	for	ADP
ejif-4307	186	9	islamic	islamic	ADJ
ejif-4307	186	10	banks	bank	NOUN
ejif-4307	186	11	that	that	PRON
ejif-4307	186	12	are	be	AUX
ejif-4307	186	13	not	not	PART
ejif-4307	186	14	able	able	ADJ
ejif-4307	186	15	to	to	PART
ejif-4307	186	16	adopt	adopt	VERB
ejif-4307	186	17	financial	financial	ADJ
ejif-4307	186	18	technology	technology	NOUN
ejif-4307	186	19	across	across	ADP
ejif-4307	186	20	the	the	DET
ejif-4307	186	21	board	board	NOUN
ejif-4307	186	22	.	.	PUNCT
ejif-4307	187	1	surprisingly	surprisingly	ADV
ejif-4307	187	2	,	,	PUNCT
ejif-4307	187	3	the	the	DET
ejif-4307	187	4	reflective	reflective	ADJ
ejif-4307	187	5	part	part	NOUN
ejif-4307	187	6	of	of	ADP
ejif-4307	187	7	the	the	DET
ejif-4307	187	8	observation	observation	NOUN
ejif-4307	187	9	identified	identify	VERB
ejif-4307	187	10	both	both	CCONJ
ejif-4307	187	11	the	the	DET
ejif-4307	187	12	strengths	strength	NOUN
ejif-4307	187	13	and	and	CCONJ
ejif-4307	187	14	weaknesses	weakness	NOUN
ejif-4307	187	15	of	of	ADP
ejif-4307	187	16	the	the	DET
ejif-4307	187	17	banks	bank	NOUN
ejif-4307	187	18	.	.	PUNCT
ejif-4307	188	1	as	as	ADP
ejif-4307	188	2	a	a	DET
ejif-4307	188	3	customer	customer	NOUN
ejif-4307	188	4	,	,	PUNCT
ejif-4307	188	5	we	we	PRON
ejif-4307	188	6	never	never	ADV
ejif-4307	188	7	realize	realize	VERB
ejif-4307	188	8	how	how	SCONJ
ejif-4307	188	9	to	to	PART
ejif-4307	188	10	respond	respond	VERB
ejif-4307	188	11	from	from	ADP
ejif-4307	188	12	an	an	DET
ejif-4307	188	13	employee‟s	employee‟s	ADJ
ejif-4307	188	14	perspective	perspective	NOUN
ejif-4307	188	15	.	.	PUNCT
ejif-4307	189	1	as	as	ADP
ejif-4307	189	2	an	an	DET
ejif-4307	189	3	observer	observer	NOUN
ejif-4307	189	4	,	,	PUNCT
ejif-4307	189	5	we	we	PRON
ejif-4307	189	6	saw	see	VERB
ejif-4307	189	7	from	from	ADP
ejif-4307	189	8	both	both	DET
ejif-4307	189	9	sides	side	NOUN
ejif-4307	189	10	.	.	PUNCT
ejif-4307	190	1	this	this	DET
ejif-4307	190	2	study	study	NOUN
ejif-4307	190	3	observed	observe	VERB
ejif-4307	190	4	that	that	SCONJ
ejif-4307	190	5	the	the	DET
ejif-4307	190	6	service	service	NOUN
ejif-4307	190	7	quality	quality	NOUN
ejif-4307	190	8	needs	need	VERB
ejif-4307	190	9	to	to	PART
ejif-4307	190	10	be	be	AUX
ejif-4307	190	11	improved	improve	VERB
ejif-4307	190	12	by	by	ADP
ejif-4307	190	13	the	the	DET
ejif-4307	190	14	islamic	islamic	ADJ
ejif-4307	190	15	banks	bank	NOUN
ejif-4307	190	16	especially	especially	ADV
ejif-4307	190	17	behavior	behavior	NOUN
ejif-4307	190	18	,	,	PUNCT
ejif-4307	190	19	approach	approach	NOUN
ejif-4307	190	20	,	,	PUNCT
ejif-4307	190	21	and	and	CCONJ
ejif-4307	190	22	professionalism	professionalism	NOUN
ejif-4307	190	23	towards	towards	ADP
ejif-4307	190	24	customers	customer	NOUN
ejif-4307	190	25	.	.	PUNCT
ejif-4307	191	1	in	in	ADP
ejif-4307	191	2	several	several	ADJ
ejif-4307	191	3	discussions	discussion	NOUN
ejif-4307	191	4	,	,	PUNCT
ejif-4307	191	5	the	the	DET
ejif-4307	191	6	service	service	NOUN
ejif-4307	191	7	quality	quality	NOUN
ejif-4307	191	8	is	be	AUX
ejif-4307	191	9	observed	observe	VERB
ejif-4307	191	10	to	to	PART
ejif-4307	191	11	be	be	AUX
ejif-4307	191	12	not	not	PART
ejif-4307	191	13	up	up	ADP
ejif-4307	191	14	to	to	PART
ejif-4307	191	15	mark	mark	VERB
ejif-4307	191	16	(	(	PUNCT
ejif-4307	191	17	m.	m.	PROPN
ejif-4307	191	18	ali	ali	PROPN
ejif-4307	191	19	&	&	CCONJ
ejif-4307	191	20	raza	raza	PROPN
ejif-4307	191	21	,	,	PUNCT
ejif-4307	191	22	2015	2015	NUM
ejif-4307	191	23	;	;	PUNCT
ejif-4307	191	24	kunhibava	kunhibava	NOUN
ejif-4307	191	25	,	,	PUNCT
ejif-4307	191	26	linga	linga	NOUN
ejif-4307	191	27	,	,	PUNCT
ejif-4307	191	28	&	&	CCONJ
ejif-4307	191	29	ruslan	ruslan	PROPN
ejif-4307	191	30	,	,	PUNCT
ejif-4307	191	31	2018	2018	NUM
ejif-4307	191	32	;	;	PUNCT
ejif-4307	191	33	sukmana	sukmana	PROPN
ejif-4307	191	34	&	&	CCONJ
ejif-4307	191	35	ibrahim	ibrahim	PROPN
ejif-4307	191	36	,	,	PUNCT
ejif-4307	191	37	2017	2017	NUM
ejif-4307	191	38	)	)	PUNCT
ejif-4307	191	39	.	.	PUNCT
ejif-4307	192	1	moreover	moreover	ADV
ejif-4307	192	2	,	,	PUNCT
ejif-4307	192	3	banks	bank	NOUN
ejif-4307	192	4	must	must	AUX
ejif-4307	192	5	provide	provide	VERB
ejif-4307	192	6	sufficient	sufficient	ADJ
ejif-4307	192	7	information	information	NOUN
ejif-4307	192	8	in	in	ADP
ejif-4307	192	9	regards	regard	NOUN
ejif-4307	192	10	to	to	ADP
ejif-4307	192	11	all	all	DET
ejif-4307	192	12	products	product	NOUN
ejif-4307	192	13	and	and	CCONJ
ejif-4307	192	14	services	service	NOUN
ejif-4307	192	15	offered	offer	VERB
ejif-4307	192	16	(	(	PUNCT
ejif-4307	192	17	amin	amin	NOUN
ejif-4307	192	18	,	,	PUNCT
ejif-4307	192	19	2019	2019	NUM
ejif-4307	192	20	)	)	PUNCT
ejif-4307	192	21	.	.	PUNCT
ejif-4307	193	1	according	accord	VERB
ejif-4307	193	2	to	to	ADP
ejif-4307	193	3	ali	ali	PROPN
ejif-4307	193	4	and	and	CCONJ
ejif-4307	193	5	raza	raza	PROPN
ejif-4307	193	6	(	(	PUNCT
ejif-4307	193	7	2015	2015	NUM
ejif-4307	193	8	)	)	PUNCT
ejif-4307	193	9	,	,	PUNCT
ejif-4307	193	10	a	a	DET
ejif-4307	193	11	lot	lot	NOUN
ejif-4307	193	12	of	of	ADP
ejif-4307	193	13	services	service	NOUN
ejif-4307	193	14	need	need	VERB
ejif-4307	193	15	to	to	PART
ejif-4307	193	16	follow	follow	VERB
ejif-4307	193	17	the	the	DET
ejif-4307	193	18	model	model	NOUN
ejif-4307	193	19	of	of	ADP
ejif-4307	193	20	conventional	conventional	ADJ
ejif-4307	193	21	banks	bank	NOUN
ejif-4307	193	22	in	in	ADP
ejif-4307	193	23	terms	term	NOUN
ejif-4307	193	24	of	of	ADP
ejif-4307	193	25	business	business	NOUN
ejif-4307	193	26	model	model	NOUN
ejif-4307	193	27	,	,	PUNCT
ejif-4307	193	28	customer	customer	NOUN
ejif-4307	193	29	satisfaction	satisfaction	NOUN
ejif-4307	193	30	,	,	PUNCT
ejif-4307	193	31	and	and	CCONJ
ejif-4307	193	32	efficiency	efficiency	NOUN
ejif-4307	193	33	(	(	PUNCT
ejif-4307	193	34	see	see	VERB
ejif-4307	193	35	also	also	ADV
ejif-4307	193	36	,	,	PUNCT
ejif-4307	193	37	sanyinna	sanyinna	NOUN
ejif-4307	193	38	&	&	CCONJ
ejif-4307	193	39	omar	omar	PROPN
ejif-4307	193	40	,	,	PUNCT
ejif-4307	193	41	2017	2017	NUM
ejif-4307	193	42	)	)	PUNCT
ejif-4307	193	43	.	.	PUNCT
ejif-4307	194	1	however	however	ADV
ejif-4307	194	2	,	,	PUNCT
ejif-4307	194	3	in	in	ADP
ejif-4307	194	4	some	some	DET
ejif-4307	194	5	situations	situation	NOUN
ejif-4307	194	6	,	,	PUNCT
ejif-4307	194	7	it	it	PRON
ejif-4307	194	8	is	be	AUX
ejif-4307	194	9	questionable	questionable	ADJ
ejif-4307	194	10	whether	whether	SCONJ
ejif-4307	194	11	the	the	DET
ejif-4307	194	12	business	business	NOUN
ejif-4307	194	13	model	model	NOUN
ejif-4307	194	14	is	be	AUX
ejif-4307	194	15	islamic	islamic	ADJ
ejif-4307	194	16	or	or	CCONJ
ejif-4307	194	17	conventional	conventional	ADJ
ejif-4307	194	18	due	due	ADJ
ejif-4307	194	19	to	to	ADP
ejif-4307	194	20	similar	similar	ADJ
ejif-4307	194	21	forms	form	NOUN
ejif-4307	194	22	and	and	CCONJ
ejif-4307	194	23	computation	computation	NOUN
ejif-4307	194	24	.	.	PUNCT
ejif-4307	195	1	service	service	NOUN
ejif-4307	195	2	quality	quality	NOUN
ejif-4307	195	3	has	have	VERB
ejif-4307	195	4	no	no	DET
ejif-4307	195	5	issue	issue	NOUN
ejif-4307	195	6	with	with	ADP
ejif-4307	195	7	compliance	compliance	NOUN
ejif-4307	195	8	;	;	PUNCT
ejif-4307	195	9	therefore	therefore	ADV
ejif-4307	195	10	,	,	PUNCT
ejif-4307	195	11	bank	bank	NOUN
ejif-4307	195	12	directors	director	NOUN
ejif-4307	195	13	and	and	CCONJ
ejif-4307	195	14	managers	manager	NOUN
ejif-4307	195	15	are	be	AUX
ejif-4307	195	16	required	require	VERB
ejif-4307	195	17	to	to	PART
ejif-4307	195	18	train	train	VERB
ejif-4307	195	19	and	and	CCONJ
ejif-4307	195	20	educate	educate	VERB
ejif-4307	195	21	employees	employee	NOUN
ejif-4307	195	22	to	to	PART
ejif-4307	195	23	serve	serve	VERB
ejif-4307	195	24	customer	customer	NOUN
ejif-4307	195	25	with	with	ADP
ejif-4307	195	26	professionalism	professionalism	NOUN
ejif-4307	195	27	.	.	PUNCT
ejif-4307	196	1	vii	vii	PROPN
ejif-4307	196	2	.	.	PROPN
ejif-4307	196	3	conclusion	conclusion	NOUN
ejif-4307	196	4	and	and	CCONJ
ejif-4307	196	5	recommendations	recommendation	NOUN
ejif-4307	196	6	religious	religious	ADJ
ejif-4307	196	7	names	name	NOUN
ejif-4307	196	8	and	and	CCONJ
ejif-4307	196	9	concepts	concept	NOUN
ejif-4307	196	10	are	be	AUX
ejif-4307	196	11	very	very	ADV
ejif-4307	196	12	sensitive	sensitive	ADJ
ejif-4307	196	13	when	when	SCONJ
ejif-4307	196	14	they	they	PRON
ejif-4307	196	15	are	be	AUX
ejif-4307	196	16	used	use	VERB
ejif-4307	196	17	in	in	ADP
ejif-4307	196	18	practice	practice	NOUN
ejif-4307	196	19	.	.	PUNCT
ejif-4307	197	1	the	the	DET
ejif-4307	197	2	first	first	ADJ
ejif-4307	197	3	issue	issue	NOUN
ejif-4307	197	4	arises	arise	VERB
ejif-4307	197	5	with	with	ADP
ejif-4307	197	6	regard	regard	NOUN
ejif-4307	197	7	to	to	ADP
ejif-4307	197	8	the	the	DET
ejif-4307	197	9	compliance	compliance	NOUN
ejif-4307	197	10	of	of	ADP
ejif-4307	197	11	implementing	implement	VERB
ejif-4307	197	12	the	the	DET
ejif-4307	197	13	concept	concept	NOUN
ejif-4307	197	14	of	of	ADP
ejif-4307	197	15	sharia	sharia	PROPN
ejif-4307	197	16	into	into	ADP
ejif-4307	197	17	the	the	DET
ejif-4307	197	18	practical	practical	ADJ
ejif-4307	197	19	world	world	NOUN
ejif-4307	197	20	,	,	PUNCT
ejif-4307	197	21	based	base	VERB
ejif-4307	197	22	on	on	ADP
ejif-4307	197	23	shariah	shariah	PROPN
ejif-4307	197	24	rules	rule	NOUN
ejif-4307	197	25	and	and	CCONJ
ejif-4307	197	26	regulations	regulation	NOUN
ejif-4307	197	27	and	and	CCONJ
ejif-4307	197	28	using	use	VERB
ejif-4307	197	29	islam	islam	PROPN
ejif-4307	197	30	in	in	ADP
ejif-4307	197	31	a	a	DET
ejif-4307	197	32	commercial	commercial	ADJ
ejif-4307	197	33	perspective	perspective	NOUN
ejif-4307	197	34	(	(	PUNCT
ejif-4307	197	35	rhanoui	rhanoui	NOUN
ejif-4307	197	36	&	&	CCONJ
ejif-4307	197	37	belkhoutout	belkhoutout	NOUN
ejif-4307	197	38	,	,	PUNCT
ejif-4307	197	39	2017	2017	NUM
ejif-4307	197	40	)	)	PUNCT
ejif-4307	197	41	.	.	PUNCT
ejif-4307	198	1	it	it	PRON
ejif-4307	198	2	is	be	AUX
ejif-4307	198	3	crucial	crucial	ADJ
ejif-4307	198	4	nowadays	nowadays	ADV
ejif-4307	198	5	to	to	PART
ejif-4307	198	6	be	be	AUX
ejif-4307	198	7	compliant	compliant	ADJ
ejif-4307	198	8	,	,	PUNCT
ejif-4307	198	9	since	since	SCONJ
ejif-4307	198	10	critics	critic	NOUN
ejif-4307	198	11	are	be	AUX
ejif-4307	198	12	keen	keen	ADJ
ejif-4307	198	13	to	to	PART
ejif-4307	198	14	point	point	VERB
ejif-4307	198	15	out	out	ADP
ejif-4307	198	16	the	the	DET
ejif-4307	198	17	compliance	compliance	NOUN
ejif-4307	198	18	of	of	ADP
ejif-4307	198	19	shariah	shariah	PROPN
ejif-4307	198	20	in	in	ADP
ejif-4307	198	21	application	application	NOUN
ejif-4307	198	22	to	to	ADP
ejif-4307	198	23	islamic	islamic	ADJ
ejif-4307	198	24	banking	banking	NOUN
ejif-4307	198	25	industries	industry	NOUN
ejif-4307	198	26	.	.	PUNCT
ejif-4307	199	1	islamic	islamic	ADJ
ejif-4307	199	2	banks	bank	NOUN
ejif-4307	199	3	are	be	AUX
ejif-4307	199	4	trying	try	VERB
ejif-4307	199	5	to	to	PART
ejif-4307	199	6	offer	offer	VERB
ejif-4307	199	7	distinct	distinct	ADJ
ejif-4307	199	8	products	product	NOUN
ejif-4307	199	9	and	and	CCONJ
ejif-4307	199	10	services	service	NOUN
ejif-4307	199	11	as	as	ADV
ejif-4307	199	12	well	well	ADV
ejif-4307	199	13	as	as	ADP
ejif-4307	199	14	working	work	VERB
ejif-4307	199	15	to	to	PART
ejif-4307	199	16	islamise	islamise	VERB
ejif-4307	199	17	conventional	conventional	ADJ
ejif-4307	199	18	banking	banking	NOUN
ejif-4307	199	19	operations	operation	NOUN
ejif-4307	199	20	in	in	ADP
ejif-4307	199	21	order	order	NOUN
ejif-4307	199	22	to	to	PART
ejif-4307	199	23	be	be	AUX
ejif-4307	199	24	competitive	competitive	ADJ
ejif-4307	199	25	in	in	ADP
ejif-4307	199	26	the	the	DET
ejif-4307	199	27	market	market	NOUN
ejif-4307	199	28	.	.	PUNCT
ejif-4307	200	1	however	however	ADV
ejif-4307	200	2	,	,	PUNCT
ejif-4307	200	3	the	the	DET
ejif-4307	200	4	practical	practical	ADJ
ejif-4307	200	5	issues	issue	NOUN
ejif-4307	200	6	of	of	ADP
ejif-4307	200	7	the	the	DET
ejif-4307	200	8	islamic	islamic	ADJ
ejif-4307	200	9	banking	banking	NOUN
ejif-4307	200	10	industry	industry	NOUN
ejif-4307	200	11	are	be	AUX
ejif-4307	200	12	the	the	DET
ejif-4307	200	13	key	key	ADJ
ejif-4307	200	14	factor	factor	NOUN
ejif-4307	200	15	to	to	PART
ejif-4307	200	16	find	find	VERB
ejif-4307	200	17	the	the	DET
ejif-4307	200	18	reliability	reliability	NOUN
ejif-4307	200	19	for	for	ADP
ejif-4307	200	20	muslim	muslim	ADJ
ejif-4307	200	21	ummah	ummah	PROPN
ejif-4307	200	22	(	(	PUNCT
ejif-4307	200	23	sanyinna	sanyinna	NOUN
ejif-4307	200	24	&	&	CCONJ
ejif-4307	200	25	omar	omar	PROPN
ejif-4307	200	26	,	,	PUNCT
ejif-4307	200	27	2017	2017	NUM
ejif-4307	200	28	)	)	PUNCT
ejif-4307	200	29	.	.	PUNCT
ejif-4307	201	1	according	accord	VERB
ejif-4307	201	2	to	to	ADP
ejif-4307	201	3	the	the	DET
ejif-4307	201	4	interview	interview	NOUN
ejif-4307	201	5	data	datum	NOUN
ejif-4307	201	6	,	,	PUNCT
ejif-4307	201	7	both	both	PRON
ejif-4307	201	8	of	of	ADP
ejif-4307	201	9	our	our	PRON
ejif-4307	201	10	respondents	respondent	NOUN
ejif-4307	201	11	admitted	admit	VERB
ejif-4307	201	12	the	the	DET
ejif-4307	201	13	reliability	reliability	NOUN
ejif-4307	201	14	of	of	ADP
ejif-4307	201	15	islamic	islamic	ADJ
ejif-4307	201	16	banking	banking	NOUN
ejif-4307	201	17	and	and	CCONJ
ejif-4307	201	18	its	its	PRON
ejif-4307	201	19	practices	practice	NOUN
ejif-4307	201	20	are	be	AUX
ejif-4307	201	21	in	in	ADP
ejif-4307	201	22	line	line	NOUN
ejif-4307	201	23	with	with	ADP
ejif-4307	201	24	islamic	islamic	ADJ
ejif-4307	201	25	knowledge	knowledge	NOUN
ejif-4307	201	26	.	.	PUNCT
ejif-4307	202	1	islamic	islamic	ADJ
ejif-4307	202	2	finance	finance	PROPN
ejif-4307	202	3	and	and	CCONJ
ejif-4307	202	4	banking	banking	NOUN
ejif-4307	202	5	refers	refer	VERB
ejif-4307	202	6	to	to	ADP
ejif-4307	202	7	shariah	shariah	PROPN
ejif-4307	202	8	compliant	compliant	ADJ
ejif-4307	202	9	financial	financial	ADJ
ejif-4307	202	10	transactions	transaction	NOUN
ejif-4307	202	11	.	.	PUNCT
ejif-4307	203	1	adding	add	VERB
ejif-4307	203	2	to	to	ADP
ejif-4307	203	3	it	it	PRON
ejif-4307	203	4	,	,	PUNCT
ejif-4307	203	5	the	the	DET
ejif-4307	203	6	products	product	NOUN
ejif-4307	203	7	and	and	CCONJ
ejif-4307	203	8	services	service	NOUN
ejif-4307	203	9	that	that	PRON
ejif-4307	203	10	are	be	AUX
ejif-4307	203	11	offered	offer	VERB
ejif-4307	203	12	by	by	ADP
ejif-4307	203	13	islamic	islamic	ADJ
ejif-4307	203	14	banks	bank	NOUN
ejif-4307	203	15	do	do	AUX
ejif-4307	203	16	not	not	PART
ejif-4307	203	17	contain	contain	VERB
ejif-4307	203	18	any	any	DET
ejif-4307	203	19	prohibited	prohibit	VERB
ejif-4307	203	20	practices	practice	NOUN
ejif-4307	203	21	or	or	CCONJ
ejif-4307	203	22	conditions	condition	NOUN
ejif-4307	203	23	that	that	PRON
ejif-4307	203	24	are	be	AUX
ejif-4307	203	25	ejif	ejif	PROPN
ejif-4307	203	26	–	–	PUNCT
ejif-4307	203	27	european	european	ADJ
ejif-4307	203	28	journal	journal	PROPN
ejif-4307	203	29	of	of	ADP
ejif-4307	203	30	islamic	islamic	PROPN
ejif-4307	203	31	finance	finance	PROPN
ejif-4307	203	32	no15	no15	PROPN
ejif-4307	203	33	,	,	PUNCT
ejif-4307	203	34	august	august	PROPN
ejif-4307	203	35	(	(	PUNCT
ejif-4307	203	36	2020	2020	NUM
ejif-4307	203	37	)	)	PUNCT
ejif-4307	204	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	204	2	issn	issn	VERB
ejif-4307	204	3	2421	2421	NUM
ejif-4307	204	4	-	-	SYM
ejif-4307	204	5	2172	2172	NUM
ejif-4307	204	6	7	7	NUM
ejif-4307	204	7	inconsistent	inconsistent	ADJ
ejif-4307	204	8	with	with	ADP
ejif-4307	204	9	islamic	islamic	ADJ
ejif-4307	204	10	principles	principle	NOUN
ejif-4307	204	11	and	and	CCONJ
ejif-4307	204	12	laws	law	NOUN
ejif-4307	204	13	.	.	PUNCT
ejif-4307	205	1	there	there	PRON
ejif-4307	205	2	are	be	VERB
ejif-4307	205	3	some	some	DET
ejif-4307	205	4	products	product	NOUN
ejif-4307	205	5	or	or	CCONJ
ejif-4307	205	6	services	service	NOUN
ejif-4307	205	7	that	that	PRON
ejif-4307	205	8	are	be	AUX
ejif-4307	205	9	offered	offer	VERB
ejif-4307	205	10	by	by	ADP
ejif-4307	205	11	islamic	islamic	ADJ
ejif-4307	205	12	banks	bank	NOUN
ejif-4307	205	13	which	which	PRON
ejif-4307	205	14	are	be	AUX
ejif-4307	205	15	similar	similar	ADJ
ejif-4307	205	16	to	to	ADP
ejif-4307	205	17	conventional	conventional	ADJ
ejif-4307	205	18	banks‟	banks‟	CCONJ
ejif-4307	205	19	products	product	NOUN
ejif-4307	205	20	,	,	PUNCT
ejif-4307	205	21	but	but	CCONJ
ejif-4307	205	22	it	it	PRON
ejif-4307	205	23	does	do	AUX
ejif-4307	205	24	not	not	PART
ejif-4307	205	25	relate	relate	VERB
ejif-4307	205	26	to	to	ADP
ejif-4307	205	27	the	the	DET
ejif-4307	205	28	repealing	repealing	NOUN
ejif-4307	205	29	the	the	DET
ejif-4307	205	30	islamic	islamic	ADJ
ejif-4307	205	31	norms	norm	NOUN
ejif-4307	205	32	and	and	CCONJ
ejif-4307	205	33	regulations	regulation	NOUN
ejif-4307	205	34	(	(	PUNCT
ejif-4307	205	35	mustafa	mustafa	PROPN
ejif-4307	205	36	,	,	PUNCT
ejif-4307	205	37	2019	2019	NUM
ejif-4307	205	38	)	)	PUNCT
ejif-4307	205	39	.	.	PUNCT
ejif-4307	206	1	those	those	DET
ejif-4307	206	2	concepts	concept	NOUN
ejif-4307	206	3	are	be	AUX
ejif-4307	206	4	adopted	adopt	VERB
ejif-4307	206	5	from	from	ADP
ejif-4307	206	6	the	the	DET
ejif-4307	206	7	current	current	ADJ
ejif-4307	206	8	practices	practice	NOUN
ejif-4307	206	9	of	of	ADP
ejif-4307	206	10	conventional	conventional	ADJ
ejif-4307	206	11	banking	banking	NOUN
ejif-4307	206	12	that	that	PRON
ejif-4307	206	13	and	and	CCONJ
ejif-4307	206	14	have	have	AUX
ejif-4307	206	15	been	be	AUX
ejif-4307	206	16	analysed	analyse	VERB
ejif-4307	206	17	by	by	ADP
ejif-4307	206	18	islamic	islamic	ADJ
ejif-4307	206	19	jurists	jurist	NOUN
ejif-4307	206	20	to	to	PART
ejif-4307	206	21	evaluate	evaluate	VERB
ejif-4307	206	22	the	the	DET
ejif-4307	206	23	compliance	compliance	NOUN
ejif-4307	206	24	of	of	ADP
ejif-4307	206	25	islamic	islamic	ADJ
ejif-4307	206	26	rules	rule	NOUN
ejif-4307	206	27	so	so	SCONJ
ejif-4307	206	28	that	that	SCONJ
ejif-4307	206	29	they	they	PRON
ejif-4307	206	30	don‟t	don‟t	X
ejif-4307	206	31	contain	contain	VERB
ejif-4307	206	32	any	any	DET
ejif-4307	206	33	forbidden	forbid	VERB
ejif-4307	206	34	concepts	concept	NOUN
ejif-4307	206	35	.	.	PUNCT
ejif-4307	207	1	islamic	islamic	ADJ
ejif-4307	207	2	banks	bank	NOUN
ejif-4307	207	3	are	be	AUX
ejif-4307	207	4	indeed	indeed	ADV
ejif-4307	207	5	providing	provide	VERB
ejif-4307	207	6	an	an	DET
ejif-4307	207	7	immense	immense	ADJ
ejif-4307	207	8	service	service	NOUN
ejif-4307	207	9	to	to	ADP
ejif-4307	207	10	the	the	DET
ejif-4307	207	11	muslim	muslim	ADJ
ejif-4307	207	12	ummah	ummah	PROPN
ejif-4307	207	13	while	while	SCONJ
ejif-4307	207	14	competing	compete	VERB
ejif-4307	207	15	with	with	ADP
ejif-4307	207	16	conventional	conventional	ADJ
ejif-4307	207	17	giants	giant	NOUN
ejif-4307	207	18	in	in	ADP
ejif-4307	207	19	an	an	DET
ejif-4307	207	20	environment	environment	NOUN
ejif-4307	207	21	where	where	SCONJ
ejif-4307	207	22	all	all	DET
ejif-4307	207	23	infrastructures	infrastructure	NOUN
ejif-4307	207	24	has	have	AUX
ejif-4307	207	25	been	be	AUX
ejif-4307	207	26	tailor	tailor	NOUN
ejif-4307	207	27	-	-	PUNCT
ejif-4307	207	28	made	make	VERB
ejif-4307	207	29	for	for	ADP
ejif-4307	207	30	the	the	DET
ejif-4307	207	31	latter	latter	ADJ
ejif-4307	207	32	.	.	PUNCT
ejif-4307	208	1	just	just	ADV
ejif-4307	208	2	as	as	SCONJ
ejif-4307	208	3	other	other	ADJ
ejif-4307	208	4	banks	bank	NOUN
ejif-4307	208	5	are	be	AUX
ejif-4307	208	6	profit	profit	NOUN
ejif-4307	208	7	-	-	PUNCT
ejif-4307	208	8	making	making	NOUN
ejif-4307	208	9	,	,	PUNCT
ejif-4307	208	10	islamic	islamic	ADJ
ejif-4307	208	11	banks	bank	NOUN
ejif-4307	208	12	also	also	ADV
ejif-4307	208	13	exist	exist	VERB
ejif-4307	208	14	to	to	PART
ejif-4307	208	15	make	make	VERB
ejif-4307	208	16	profit	profit	NOUN
ejif-4307	208	17	but	but	CCONJ
ejif-4307	208	18	in	in	ADP
ejif-4307	208	19	accordance	accordance	NOUN
ejif-4307	208	20	with	with	ADP
ejif-4307	208	21	shariah	shariah	PROPN
ejif-4307	208	22	.	.	PUNCT
ejif-4307	209	1	someone	someone	PRON
ejif-4307	209	2	may	may	AUX
ejif-4307	209	3	perceive	perceive	VERB
ejif-4307	209	4	this	this	DET
ejif-4307	209	5	profit	profit	NOUN
ejif-4307	209	6	motive	motive	NOUN
ejif-4307	209	7	as	as	ADP
ejif-4307	209	8	an	an	DET
ejif-4307	209	9	un	un	ADJ
ejif-4307	209	10	-	-	ADJ
ejif-4307	209	11	islamic	islamic	ADJ
ejif-4307	209	12	approach	approach	NOUN
ejif-4307	209	13	,	,	PUNCT
ejif-4307	209	14	however	however	ADV
ejif-4307	209	15	these	these	DET
ejif-4307	209	16	profits	profit	NOUN
ejif-4307	209	17	are	be	AUX
ejif-4307	209	18	not	not	PART
ejif-4307	209	19	un	un	ADJ
ejif-4307	209	20	-	-	ADJ
ejif-4307	209	21	islamic	islamic	ADJ
ejif-4307	209	22	and	and	CCONJ
ejif-4307	209	23	islamic	islamic	ADJ
ejif-4307	209	24	banks	bank	NOUN
ejif-4307	209	25	purify	purify	VERB
ejif-4307	209	26	their	their	PRON
ejif-4307	209	27	income	income	NOUN
ejif-4307	209	28	with	with	ADP
ejif-4307	209	29	zakat	zakat	NOUN
ejif-4307	209	30	and	and	CCONJ
ejif-4307	209	31	charitable	charitable	ADJ
ejif-4307	209	32	activities	activity	NOUN
ejif-4307	209	33	,	,	PUNCT
ejif-4307	209	34	just	just	ADV
ejif-4307	209	35	as	as	SCONJ
ejif-4307	209	36	other	other	ADJ
ejif-4307	209	37	businesses	business	NOUN
ejif-4307	209	38	do	do	VERB
ejif-4307	209	39	.	.	PUNCT
ejif-4307	210	1	even	even	ADV
ejif-4307	210	2	though	though	SCONJ
ejif-4307	210	3	the	the	DET
ejif-4307	210	4	islamic	islamic	ADJ
ejif-4307	210	5	finance	finance	PROPN
ejif-4307	210	6	and	and	CCONJ
ejif-4307	210	7	banking	banking	NOUN
ejif-4307	210	8	industry	industry	NOUN
ejif-4307	210	9	is	be	AUX
ejif-4307	210	10	littered	litter	VERB
ejif-4307	210	11	with	with	ADP
ejif-4307	210	12	plenty	plenty	NOUN
ejif-4307	210	13	of	of	ADP
ejif-4307	210	14	criticism	criticism	NOUN
ejif-4307	210	15	and	and	CCONJ
ejif-4307	210	16	allegations	allegation	NOUN
ejif-4307	210	17	,	,	PUNCT
ejif-4307	210	18	its	its	PRON
ejif-4307	210	19	progress	progress	NOUN
ejif-4307	210	20	is	be	AUX
ejif-4307	210	21	an	an	DET
ejif-4307	210	22	important	important	ADJ
ejif-4307	210	23	and	and	CCONJ
ejif-4307	210	24	notable	notable	ADJ
ejif-4307	210	25	factor	factor	NOUN
ejif-4307	210	26	and	and	CCONJ
ejif-4307	210	27	,	,	PUNCT
ejif-4307	210	28	as	as	ADP
ejif-4307	210	29	in	in	ADP
ejif-4307	210	30	every	every	DET
ejif-4307	210	31	industry	industry	NOUN
ejif-4307	210	32	,	,	PUNCT
ejif-4307	210	33	there	there	PRON
ejif-4307	210	34	will	will	AUX
ejif-4307	210	35	be	be	AUX
ejif-4307	210	36	pros	pro	NOUN
ejif-4307	210	37	and	and	CCONJ
ejif-4307	210	38	cons	con	NOUN
ejif-4307	210	39	,	,	PUNCT
ejif-4307	210	40	but	but	CCONJ
ejif-4307	210	41	as	as	SCONJ
ejif-4307	210	42	muslims	muslim	NOUN
ejif-4307	210	43	there	there	PRON
ejif-4307	210	44	is	be	VERB
ejif-4307	210	45	a	a	DET
ejif-4307	210	46	duty	duty	NOUN
ejif-4307	210	47	to	to	PART
ejif-4307	210	48	protect	protect	VERB
ejif-4307	210	49	the	the	DET
ejif-4307	210	50	industry	industry	NOUN
ejif-4307	210	51	.	.	PUNCT
ejif-4307	211	1	one	one	PRON
ejif-4307	211	2	can	can	AUX
ejif-4307	211	3	use	use	VERB
ejif-4307	211	4	his	his	PRON
ejif-4307	211	5	academic	academic	ADJ
ejif-4307	211	6	writing	writing	NOUN
ejif-4307	211	7	and	and	CCONJ
ejif-4307	211	8	oration	oration	NOUN
ejif-4307	211	9	abilities	ability	NOUN
ejif-4307	211	10	to	to	PART
ejif-4307	211	11	criticise	criticise	VERB
ejif-4307	211	12	the	the	DET
ejif-4307	211	13	practices	practice	NOUN
ejif-4307	211	14	of	of	ADP
ejif-4307	211	15	the	the	DET
ejif-4307	211	16	islamic	islamic	ADJ
ejif-4307	211	17	banking	banking	PROPN
ejif-4307	211	18	and	and	CCONJ
ejif-4307	211	19	finance	finance	NOUN
ejif-4307	211	20	industry	industry	NOUN
ejif-4307	211	21	as	as	ADP
ejif-4307	211	22	un	un	NOUN
ejif-4307	211	23	-	-	ADJ
ejif-4307	211	24	islamic	islamic	ADJ
ejif-4307	211	25	,	,	PUNCT
ejif-4307	211	26	but	but	CCONJ
ejif-4307	211	27	it	it	PRON
ejif-4307	211	28	does	do	AUX
ejif-4307	211	29	not	not	PART
ejif-4307	211	30	contribute	contribute	VERB
ejif-4307	211	31	to	to	ADP
ejif-4307	211	32	society	society	NOUN
ejif-4307	211	33	,	,	PUNCT
ejif-4307	211	34	rather	rather	ADV
ejif-4307	211	35	it	it	PRON
ejif-4307	211	36	will	will	AUX
ejif-4307	211	37	distance	distance	VERB
ejif-4307	211	38	ummah	ummah	PROPN
ejif-4307	211	39	from	from	ADP
ejif-4307	211	40	the	the	DET
ejif-4307	211	41	industry	industry	NOUN
ejif-4307	211	42	and	and	CCONJ
ejif-4307	211	43	they	they	PRON
ejif-4307	211	44	will	will	AUX
ejif-4307	211	45	continue	continue	VERB
ejif-4307	211	46	to	to	PART
ejif-4307	211	47	use	use	VERB
ejif-4307	211	48	interest	interest	NOUN
ejif-4307	211	49	-	-	PUNCT
ejif-4307	211	50	based	base	VERB
ejif-4307	211	51	finance	finance	NOUN
ejif-4307	211	52	.	.	PUNCT
ejif-4307	212	1	despite	despite	SCONJ
ejif-4307	212	2	critiques	critique	NOUN
ejif-4307	212	3	about	about	ADP
ejif-4307	212	4	the	the	DET
ejif-4307	212	5	industry	industry	NOUN
ejif-4307	212	6	,	,	PUNCT
ejif-4307	212	7	scholars	scholar	NOUN
ejif-4307	212	8	and	and	CCONJ
ejif-4307	212	9	orators	orator	NOUN
ejif-4307	212	10	should	should	AUX
ejif-4307	212	11	come	come	VERB
ejif-4307	212	12	up	up	ADP
ejif-4307	212	13	with	with	ADP
ejif-4307	212	14	solutions	solution	NOUN
ejif-4307	212	15	which	which	PRON
ejif-4307	212	16	will	will	AUX
ejif-4307	212	17	encourage	encourage	VERB
ejif-4307	212	18	islamic	islamic	ADJ
ejif-4307	212	19	banks	bank	NOUN
ejif-4307	212	20	to	to	PART
ejif-4307	212	21	be	be	AUX
ejif-4307	212	22	more	more	ADV
ejif-4307	212	23	islamic	islamic	ADJ
ejif-4307	212	24	and	and	CCONJ
ejif-4307	212	25	compliant	compliant	ADJ
ejif-4307	212	26	.	.	PUNCT
ejif-4307	213	1	the	the	DET
ejif-4307	213	2	findings	finding	NOUN
ejif-4307	213	3	recommend	recommend	VERB
ejif-4307	213	4	that	that	SCONJ
ejif-4307	213	5	future	future	ADJ
ejif-4307	213	6	researchers	researcher	NOUN
ejif-4307	213	7	explore	explore	VERB
ejif-4307	213	8	the	the	DET
ejif-4307	213	9	islamic	islamic	ADJ
ejif-4307	213	10	banking	banking	NOUN
ejif-4307	213	11	system	system	NOUN
ejif-4307	213	12	and	and	CCONJ
ejif-4307	213	13	whether	whether	SCONJ
ejif-4307	213	14	it	it	PRON
ejif-4307	213	15	can	can	AUX
ejif-4307	213	16	be	be	AUX
ejif-4307	213	17	a	a	DET
ejif-4307	213	18	viable	viable	ADJ
ejif-4307	213	19	,	,	PUNCT
ejif-4307	213	20	unique	unique	ADJ
ejif-4307	213	21	alternative	alternative	NOUN
ejif-4307	213	22	to	to	ADP
ejif-4307	213	23	the	the	DET
ejif-4307	213	24	conventional	conventional	ADJ
ejif-4307	213	25	banking	banking	NOUN
ejif-4307	213	26	system	system	NOUN
ejif-4307	213	27	.	.	PUNCT
ejif-4307	214	1	also	also	ADV
ejif-4307	214	2	,	,	PUNCT
ejif-4307	214	3	the	the	DET
ejif-4307	214	4	findings	finding	NOUN
ejif-4307	214	5	of	of	ADP
ejif-4307	214	6	this	this	DET
ejif-4307	214	7	study	study	NOUN
ejif-4307	214	8	point	point	NOUN
ejif-4307	214	9	in	in	ADP
ejif-4307	214	10	a	a	DET
ejif-4307	214	11	direction	direction	NOUN
ejif-4307	214	12	to	to	PART
ejif-4307	214	13	investigate	investigate	VERB
ejif-4307	214	14	the	the	DET
ejif-4307	214	15	way	way	NOUN
ejif-4307	214	16	to	to	PART
ejif-4307	214	17	develop	develop	VERB
ejif-4307	214	18	islamic	islamic	ADJ
ejif-4307	214	19	banking	banking	NOUN
ejif-4307	214	20	systems	system	NOUN
ejif-4307	214	21	to	to	PART
ejif-4307	214	22	be	be	AUX
ejif-4307	214	23	more	more	ADV
ejif-4307	214	24	competitive	competitive	ADJ
ejif-4307	214	25	,	,	PUNCT
ejif-4307	214	26	with	with	ADP
ejif-4307	214	27	significant	significant	ADJ
ejif-4307	214	28	and	and	CCONJ
ejif-4307	214	29	workable	workable	ADJ
ejif-4307	214	30	products	product	NOUN
ejif-4307	214	31	and	and	CCONJ
ejif-4307	214	32	services	service	NOUN
ejif-4307	214	33	that	that	PRON
ejif-4307	214	34	are	be	AUX
ejif-4307	214	35	compliant	compliant	ADJ
ejif-4307	214	36	with	with	ADP
ejif-4307	214	37	islamic	islamic	ADJ
ejif-4307	214	38	principles	principle	NOUN
ejif-4307	214	39	.	.	PUNCT
ejif-4307	215	1	finally	finally	ADV
ejif-4307	215	2	,	,	PUNCT
ejif-4307	215	3	this	this	DET
ejif-4307	215	4	study	study	NOUN
ejif-4307	215	5	can	can	AUX
ejif-4307	215	6	contribute	contribute	VERB
ejif-4307	215	7	to	to	ADP
ejif-4307	215	8	future	future	ADJ
ejif-4307	215	9	study	study	NOUN
ejif-4307	215	10	as	as	ADP
ejif-4307	215	11	part	part	NOUN
ejif-4307	215	12	of	of	ADP
ejif-4307	215	13	literature	literature	NOUN
ejif-4307	215	14	reviews	review	NOUN
ejif-4307	215	15	as	as	ADP
ejif-4307	215	16	positive	positive	ADJ
ejif-4307	215	17	views	view	NOUN
ejif-4307	215	18	on	on	ADP
ejif-4307	215	19	islamic	islamic	ADJ
ejif-4307	215	20	banking	banking	NOUN
ejif-4307	215	21	and	and	CCONJ
ejif-4307	215	22	finance	finance	NOUN
ejif-4307	215	23	and	and	CCONJ
ejif-4307	215	24	its	its	PRON
ejif-4307	215	25	acceptability	acceptability	NOUN
ejif-4307	215	26	as	as	ADP
ejif-4307	215	27	islamic	islamic	ADJ
ejif-4307	215	28	compliant	compliant	ADJ
ejif-4307	215	29	financial	financial	ADJ
ejif-4307	215	30	system	system	NOUN
ejif-4307	215	31	.	.	PUNCT
ejif-4307	216	1	references	reference	NOUN
ejif-4307	216	2	[	[	X
ejif-4307	216	3	1	1	NUM
ejif-4307	216	4	]	]	PUNCT
ejif-4307	216	5	abdul	abdul	PROPN
ejif-4307	216	6	-	-	PUNCT
ejif-4307	216	7	rahman	rahman	PROPN
ejif-4307	216	8	,	,	PUNCT
ejif-4307	216	9	a.	a.	PROPN
ejif-4307	216	10	,	,	PUNCT
ejif-4307	216	11	latif	latif	PROPN
ejif-4307	216	12	,	,	PUNCT
ejif-4307	216	13	r.	r.	PROPN
ejif-4307	216	14	a.	a.	PROPN
ejif-4307	216	15	,	,	PUNCT
ejif-4307	216	16	muda	muda	PROPN
ejif-4307	216	17	,	,	PUNCT
ejif-4307	216	18	r.	r.	PROPN
ejif-4307	216	19	,	,	PUNCT
ejif-4307	216	20	&	&	CCONJ
ejif-4307	216	21	abdullah	abdullah	PROPN
ejif-4307	216	22	,	,	PUNCT
ejif-4307	216	23	m.	m.	NOUN
ejif-4307	216	24	a.	a.	NOUN
ejif-4307	216	25	(	(	PUNCT
ejif-4307	216	26	2014	2014	NUM
ejif-4307	216	27	)	)	PUNCT
ejif-4307	216	28	.	.	PUNCT
ejif-4307	217	1	failure	failure	NOUN
ejif-4307	217	2	and	and	CCONJ
ejif-4307	217	3	potential	potential	NOUN
ejif-4307	217	4	of	of	ADP
ejif-4307	217	5	profit	profit	NOUN
ejif-4307	217	6	-	-	PUNCT
ejif-4307	217	7	loss	loss	NOUN
ejif-4307	217	8	sharing	sharing	NOUN
ejif-4307	217	9	contracts	contract	NOUN
ejif-4307	217	10	 	 	SPACE
ejif-4307	217	11	:	:	PUNCT
ejif-4307	217	12	a	a	DET
ejif-4307	217	13	perspective	perspective	NOUN
ejif-4307	217	14	of	of	ADP
ejif-4307	217	15	new	new	ADJ
ejif-4307	217	16	institutional	institutional	ADJ
ejif-4307	217	17	,	,	PUNCT
ejif-4307	217	18	economic	economic	ADJ
ejif-4307	217	19	(	(	PUNCT
ejif-4307	217	20	nie	nie	PROPN
ejif-4307	217	21	)	)	PUNCT
ejif-4307	217	22	theory	theory	NOUN
ejif-4307	217	23	.	.	PUNCT
ejif-4307	218	1	pacific	pacific	ADJ
ejif-4307	218	2	-	-	PUNCT
ejif-4307	218	3	basin	basin	NOUN
ejif-4307	218	4	finance	finance	NOUN
ejif-4307	218	5	journal	journal	NOUN
ejif-4307	218	6	,	,	PUNCT
ejif-4307	218	7	2864377	2864377	NUM
ejif-4307	218	8	,	,	PUNCT
ejif-4307	218	9	1–16	1–16	PROPN
ejif-4307	218	10	.	.	PUNCT
ejif-4307	219	1	https://doi.org/10.1016/j.pacfin.2014.01	https://doi.org/10.1016/j.pacfin.2014.01	PROPN
ejif-4307	219	2	.	.	PUNCT
ejif-4307	220	1	004	004	NUM
ejif-4307	221	1	[	[	X
ejif-4307	221	2	2	2	NUM
ejif-4307	221	3	]	]	PUNCT
ejif-4307	221	4	abosedra	abosedra	PROPN
ejif-4307	221	5	,	,	PUNCT
ejif-4307	221	6	s.	s.	PROPN
ejif-4307	221	7	,	,	PUNCT
ejif-4307	221	8	&	&	CCONJ
ejif-4307	221	9	bernard	bernard	PROPN
ejif-4307	221	10	,	,	PUNCT
ejif-4307	221	11	b.	b.	PROPN
ejif-4307	221	12	s.	s.	PROPN
ejif-4307	221	13	(	(	PUNCT
ejif-4307	221	14	2018	2018	NUM
ejif-4307	221	15	)	)	PUNCT
ejif-4307	221	16	.	.	PUNCT
ejif-4307	222	1	finance	finance	NOUN
ejif-4307	222	2	-	-	PUNCT
ejif-4307	222	3	growth	growth	NOUN
ejif-4307	222	4	volatility	volatility	NOUN
ejif-4307	222	5	nexus	nexus	NOUN
ejif-4307	222	6	:	:	PUNCT
ejif-4307	222	7	evidence	evidence	NOUN
ejif-4307	222	8	from	from	ADP
ejif-4307	222	9	lebanon	lebanon	PROPN
ejif-4307	222	10	.	.	PUNCT
ejif-4307	223	1	asian	asian	ADJ
ejif-4307	223	2	economic	economic	ADJ
ejif-4307	223	3	and	and	CCONJ
ejif-4307	223	4	financial	financial	ADJ
ejif-4307	223	5	review	review	NOUN
ejif-4307	223	6	,	,	PUNCT
ejif-4307	223	7	8(4	8(4	NUM
ejif-4307	223	8	)	)	PUNCT
ejif-4307	223	9	,	,	PUNCT
ejif-4307	223	10	466–477	466–477	NUM
ejif-4307	223	11	.	.	PUNCT
ejif-4307	224	1	https://doi.org/10.18488/journal.aefr.201	https://doi.org/10.18488/journal.aefr.201	NOUN
ejif-4307	224	2	8.84.466.477	8.84.466.477	NUM
ejif-4307	224	3	[	[	X
ejif-4307	224	4	3	3	NUM
ejif-4307	224	5	]	]	PUNCT
ejif-4307	224	6	ahmed	ahmed	PROPN
ejif-4307	224	7	,	,	PUNCT
ejif-4307	224	8	f.	f.	PROPN
ejif-4307	224	9	,	,	PUNCT
ejif-4307	224	10	manwani	manwani	PROPN
ejif-4307	224	11	,	,	PUNCT
ejif-4307	224	12	a.	a.	PROPN
ejif-4307	224	13	,	,	PUNCT
ejif-4307	224	14	&	&	CCONJ
ejif-4307	224	15	ahmed	ahmed	PROPN
ejif-4307	224	16	,	,	PUNCT
ejif-4307	224	17	s.	s.	PROPN
ejif-4307	224	18	(	(	PUNCT
ejif-4307	224	19	2018	2018	NUM
ejif-4307	224	20	)	)	PUNCT
ejif-4307	224	21	.	.	PUNCT
ejif-4307	225	1	merger	merger	PROPN
ejif-4307	225	2	&	&	CCONJ
ejif-4307	225	3	acquisition	acquisition	NOUN
ejif-4307	225	4	strategy	strategy	NOUN
ejif-4307	225	5	for	for	ADP
ejif-4307	225	6	growth	growth	NOUN
ejif-4307	225	7	,	,	PUNCT
ejif-4307	225	8	improved	improved	ADJ
ejif-4307	225	9	performance	performance	NOUN
ejif-4307	225	10	and	and	CCONJ
ejif-4307	225	11	survival	survival	NOUN
ejif-4307	225	12	in	in	ADP
ejif-4307	225	13	the	the	DET
ejif-4307	225	14	financial	financial	ADJ
ejif-4307	225	15	sector	sector	NOUN
ejif-4307	225	16	.	.	PUNCT
ejif-4307	226	1	jurnal	jurnal	ADJ
ejif-4307	226	2	perspektif	perspektif	PROPN
ejif-4307	226	3	pembiayaan	pembiayaan	VERB
ejif-4307	226	4	dan	dan	PROPN
ejif-4307	226	5	pembangunan	pembangunan	PROPN
ejif-4307	226	6	daerah	daerah	PROPN
ejif-4307	226	7	,	,	PUNCT
ejif-4307	226	8	5(4	5(4	NUM
ejif-4307	226	9	)	)	PUNCT
ejif-4307	226	10	,	,	PUNCT
ejif-4307	226	11	196–214	196–214	NUM
ejif-4307	226	12	.	.	PUNCT
ejif-4307	227	1	[	[	X
ejif-4307	227	2	4	4	NUM
ejif-4307	227	3	]	]	PUNCT
ejif-4307	227	4	akhatova	akhatova	PROPN
ejif-4307	227	5	,	,	PUNCT
ejif-4307	227	6	m.	m.	NOUN
ejif-4307	227	7	,	,	PUNCT
ejif-4307	227	8	zainal	zainal	NOUN
ejif-4307	227	9	,	,	PUNCT
ejif-4307	227	10	m.	m.	NOUN
ejif-4307	227	11	p.	p.	PROPN
ejif-4307	227	12	,	,	PUNCT
ejif-4307	227	13	&	&	CCONJ
ejif-4307	227	14	ibrahim	ibrahim	PROPN
ejif-4307	227	15	,	,	PUNCT
ejif-4307	227	16	m.	m.	PROPN
ejif-4307	227	17	h.	h.	PROPN
ejif-4307	227	18	(	(	PUNCT
ejif-4307	227	19	2016	2016	NUM
ejif-4307	227	20	)	)	PUNCT
ejif-4307	227	21	.	.	PUNCT
ejif-4307	228	1	banking	banking	NOUN
ejif-4307	228	2	models	model	NOUN
ejif-4307	228	3	and	and	CCONJ
ejif-4307	228	4	monetary	monetary	ADJ
ejif-4307	228	5	transmission	transmission	NOUN
ejif-4307	228	6	mechanisms	mechanism	NOUN
ejif-4307	228	7	in	in	ADP
ejif-4307	228	8	malaysia	malaysia	PROPN
ejif-4307	228	9	 	 	SPACE
ejif-4307	228	10	:	:	PUNCT
ejif-4307	228	11	are	be	AUX
ejif-4307	228	12	islamic	islamic	ADJ
ejif-4307	228	13	banks	bank	NOUN
ejif-4307	228	14	different	different	ADJ
ejif-4307	228	15	 	 	SPACE
ejif-4307	228	16	?	?	PUNCT
ejif-4307	229	1	economic	economic	ADJ
ejif-4307	229	2	papers	paper	NOUN
ejif-4307	229	3	,	,	PUNCT
ejif-4307	229	4	35(2	35(2	NUM
ejif-4307	229	5	)	)	PUNCT
ejif-4307	229	6	,	,	PUNCT
ejif-4307	229	7	169–183	169–183	NUM
ejif-4307	229	8	.	.	PUNCT
ejif-4307	230	1	https://doi.org/10.1111/1759-3441.12131	https://doi.org/10.1111/1759-3441.12131	NOUN
ejif-4307	231	1	[	[	X
ejif-4307	231	2	5	5	NUM
ejif-4307	231	3	]	]	X
ejif-4307	231	4	alam	alam	PROPN
ejif-4307	231	5	,	,	PUNCT
ejif-4307	231	6	m.	m.	PROPN
ejif-4307	231	7	k.	k.	PROPN
ejif-4307	231	8	,	,	PUNCT
ejif-4307	231	9	ab	ab	PROPN
ejif-4307	231	10	,	,	PUNCT
ejif-4307	231	11	s.	s.	PROPN
ejif-4307	231	12	r.	r.	PROPN
ejif-4307	231	13	,	,	PUNCT
ejif-4307	231	14	mustafa	mustafa	PROPN
ejif-4307	231	15	,	,	PUNCT
ejif-4307	231	16	h.	h.	PROPN
ejif-4307	231	17	,	,	PUNCT
ejif-4307	231	18	shah	shah	PROPN
ejif-4307	231	19	,	,	PUNCT
ejif-4307	231	20	s.	s.	PROPN
ejif-4307	231	21	m.	m.	PROPN
ejif-4307	231	22	,	,	PUNCT
ejif-4307	231	23	&	&	CCONJ
ejif-4307	231	24	hossain	hossain	PROPN
ejif-4307	231	25	,	,	PUNCT
ejif-4307	231	26	m.	m.	NOUN
ejif-4307	231	27	s.	s.	PROPN
ejif-4307	231	28	(	(	PUNCT
ejif-4307	231	29	2019	2019	NUM
ejif-4307	231	30	)	)	PUNCT
ejif-4307	231	31	.	.	PUNCT
ejif-4307	232	1	shariah	shariah	PROPN
ejif-4307	232	2	governance	governance	NOUN
ejif-4307	232	3	framework	framework	NOUN
ejif-4307	232	4	of	of	ADP
ejif-4307	232	5	islamic	islamic	ADJ
ejif-4307	232	6	banks	bank	NOUN
ejif-4307	232	7	in	in	ADP
ejif-4307	232	8	bangladesh	bangladesh	NOUN
ejif-4307	232	9	:	:	PUNCT
ejif-4307	232	10	practices	practice	NOUN
ejif-4307	232	11	,	,	PUNCT
ejif-4307	232	12	problems	problem	NOUN
ejif-4307	232	13	and	and	CCONJ
ejif-4307	232	14	recommendations	recommendation	NOUN
ejif-4307	232	15	.	.	PUNCT
ejif-4307	233	1	asian	asian	ADJ
ejif-4307	233	2	economic	economic	ADJ
ejif-4307	233	3	and	and	CCONJ
ejif-4307	233	4	financial	financial	ADJ
ejif-4307	233	5	review	review	NOUN
ejif-4307	233	6	,	,	PUNCT
ejif-4307	233	7	9(1	9(1	NUM
ejif-4307	233	8	)	)	PUNCT
ejif-4307	233	9	,	,	PUNCT
ejif-4307	233	10	118–132	118–132	NUM
ejif-4307	233	11	.	.	PUNCT
ejif-4307	234	1	https://doi.org/10.18488/journal.aefr.201	https://doi.org/10.18488/journal.aefr.201	NOUN
ejif-4307	234	2	9.91.118.132	9.91.118.132	NUM
ejif-4307	234	3	[	[	X
ejif-4307	234	4	6	6	NUM
ejif-4307	234	5	]	]	SYM
ejif-4307	234	6	aldarabseh	aldarabseh	PROPN
ejif-4307	234	7	,	,	PUNCT
ejif-4307	234	8	w.	w.	PROPN
ejif-4307	234	9	m.	m.	NOUN
ejif-4307	234	10	(	(	PUNCT
ejif-4307	234	11	2019	2019	NUM
ejif-4307	234	12	)	)	PUNCT
ejif-4307	234	13	.	.	PUNCT
ejif-4307	235	1	factors	factor	NOUN
ejif-4307	235	2	associated	associate	VERB
ejif-4307	235	3	with	with	ADP
ejif-4307	235	4	taking	take	VERB
ejif-4307	235	5	out	out	ADP
ejif-4307	235	6	a	a	DET
ejif-4307	235	7	personal	personal	ADJ
ejif-4307	235	8	finance	finance	NOUN
ejif-4307	235	9	from	from	ADP
ejif-4307	235	10	islamic	islamic	ADJ
ejif-4307	235	11	banks	bank	NOUN
ejif-4307	235	12	 	 	SPACE
ejif-4307	235	13	:	:	PUNCT
ejif-4307	235	14	a	a	DET
ejif-4307	235	15	study	study	NOUN
ejif-4307	235	16	from	from	ADP
ejif-4307	235	17	almadinah	almadinah	ADJ
ejif-4307	235	18	,	,	PUNCT
ejif-4307	235	19	saudi	saudi	PROPN
ejif-4307	235	20	arabia	arabia	PROPN
ejif-4307	235	21	.	.	PUNCT
ejif-4307	236	1	journal	journal	PROPN
ejif-4307	236	2	of	of	ADP
ejif-4307	236	3	islamic	islamic	PROPN
ejif-4307	236	4	banking	banking	NOUN
ejif-4307	236	5	and	and	CCONJ
ejif-4307	236	6	finance	finance	NOUN
ejif-4307	236	7	,	,	PUNCT
ejif-4307	236	8	7(1	7(1	NUM
ejif-4307	236	9	)	)	PUNCT
ejif-4307	236	10	,	,	PUNCT
ejif-4307	236	11	27–33	27–33	NUM
ejif-4307	236	12	.	.	PUNCT
ejif-4307	237	1	https://doi.org/10.15640/jibf.v7n1a3	https://doi.org/10.15640/jibf.v7n1a3	PROPN
ejif-4307	237	2	[	[	X
ejif-4307	237	3	7	7	NUM
ejif-4307	237	4	]	]	SYM
ejif-4307	237	5	ali	ali	PROPN
ejif-4307	237	6	,	,	PUNCT
ejif-4307	237	7	h.	h.	PROPN
ejif-4307	237	8	,	,	PUNCT
ejif-4307	237	9	abdullah	abdullah	PROPN
ejif-4307	237	10	,	,	PUNCT
ejif-4307	237	11	r.	r.	PROPN
ejif-4307	237	12	,	,	PUNCT
ejif-4307	237	13	&	&	CCONJ
ejif-4307	237	14	zaini	zaini	PROPN
ejif-4307	237	15	,	,	PUNCT
ejif-4307	237	16	m.	m.	NOUN
ejif-4307	237	17	z.	z.	PROPN
ejif-4307	237	18	(	(	PUNCT
ejif-4307	237	19	2019	2019	NUM
ejif-4307	237	20	)	)	PUNCT
ejif-4307	237	21	.	.	PUNCT
ejif-4307	238	1	fintech	fintech	NOUN
ejif-4307	238	2	and	and	CCONJ
ejif-4307	238	3	its	its	PRON
ejif-4307	238	4	potential	potential	ADJ
ejif-4307	238	5	impact	impact	NOUN
ejif-4307	238	6	on	on	ADP
ejif-4307	238	7	islamic	islamic	ADJ
ejif-4307	238	8	banking	banking	NOUN
ejif-4307	238	9	and	and	CCONJ
ejif-4307	238	10	finance	finance	NOUN
ejif-4307	238	11	industry	industry	NOUN
ejif-4307	238	12	 	 	SPACE
ejif-4307	238	13	:	:	PUNCT
ejif-4307	238	14	a	a	DET
ejif-4307	238	15	case	case	NOUN
ejif-4307	238	16	study	study	NOUN
ejif-4307	238	17	of	of	ADP
ejif-4307	238	18	brunei	brunei	PROPN
ejif-4307	238	19	darussalam	darussalam	PROPN
ejif-4307	238	20	and	and	CCONJ
ejif-4307	238	21	malaysia	malaysia	PROPN
ejif-4307	238	22	.	.	PUNCT
ejif-4307	239	1	international	international	ADJ
ejif-4307	239	2	journal	journal	PROPN
ejif-4307	239	3	of	of	ADP
ejif-4307	239	4	islamic	islamic	ADJ
ejif-4307	239	5	economics	economic	NOUN
ejif-4307	239	6	and	and	CCONJ
ejif-4307	239	7	finance	finance	NOUN
ejif-4307	239	8	,	,	PUNCT
ejif-4307	239	9	2(1	2(1	NUM
ejif-4307	239	10	)	)	PUNCT
ejif-4307	239	11	,	,	PUNCT
ejif-4307	239	12	73–108	73–108	NUM
ejif-4307	239	13	.	.	PUNCT
ejif-4307	240	1	[	[	X
ejif-4307	240	2	8	8	NUM
ejif-4307	240	3	]	]	X
ejif-4307	240	4	ali	ali	PROPN
ejif-4307	240	5	,	,	PUNCT
ejif-4307	240	6	m.	m.	NOUN
ejif-4307	240	7	,	,	PUNCT
ejif-4307	240	8	&	&	CCONJ
ejif-4307	240	9	raza	raza	PROPN
ejif-4307	240	10	,	,	PUNCT
ejif-4307	240	11	s.	s.	PROPN
ejif-4307	240	12	a.	a.	PROPN
ejif-4307	240	13	(	(	PUNCT
ejif-4307	240	14	2015	2015	NUM
ejif-4307	240	15	)	)	PUNCT
ejif-4307	240	16	.	.	PUNCT
ejif-4307	241	1	total	total	ADJ
ejif-4307	241	2	quality	quality	PROPN
ejif-4307	241	3	management	management	PROPN
ejif-4307	241	4	&	&	CCONJ
ejif-4307	241	5	service	service	NOUN
ejif-4307	241	6	quality	quality	NOUN
ejif-4307	241	7	perception	perception	NOUN
ejif-4307	241	8	and	and	CCONJ
ejif-4307	241	9	customer	customer	NOUN
ejif-4307	241	10	satisfaction	satisfaction	NOUN
ejif-4307	241	11	in	in	ADP
ejif-4307	241	12	islamic	islamic	ADJ
ejif-4307	241	13	banks	bank	NOUN
ejif-4307	241	14	of	of	ADP
ejif-4307	241	15	pakistan	pakistan	PROPN
ejif-4307	241	16	:	:	PUNCT
ejif-4307	241	17	the	the	DET
ejif-4307	241	18	modified	modify	VERB
ejif-4307	241	19	servqual	servqual	ADJ
ejif-4307	241	20	model	model	NOUN
ejif-4307	241	21	.	.	PUNCT
ejif-4307	242	1	total	total	ADJ
ejif-4307	242	2	quality	quality	PROPN
ejif-4307	242	3	management	management	PROPN
ejif-4307	242	4	&	&	CCONJ
ejif-4307	242	5	business	business	PROPN
ejif-4307	242	6	excellence	excellence	PROPN
ejif-4307	242	7	,	,	PUNCT
ejif-4307	242	8	1	1	NUM
ejif-4307	242	9	–	–	PUNCT
ejif-4307	242	10	19	19	NUM
ejif-4307	242	11	.	.	PUNCT
ejif-4307	243	1	https://doi.org/10.1080/14783363.2015.1	https://doi.org/10.1080/14783363.2015.1	PROPN
ejif-4307	243	2	100517	100517	NUM
ejif-4307	244	1	[	[	X
ejif-4307	244	2	9	9	NUM
ejif-4307	244	3	]	]	SYM
ejif-4307	244	4	ali	ali	PROPN
ejif-4307	244	5	,	,	PUNCT
ejif-4307	244	6	n.	n.	PROPN
ejif-4307	244	7	a.	a.	NOUN
ejif-4307	244	8	m.	m.	PROPN
ejif-4307	244	9	,	,	PUNCT
ejif-4307	244	10	&	&	CCONJ
ejif-4307	244	11	kasim	kasim	PROPN
ejif-4307	244	12	,	,	PUNCT
ejif-4307	244	13	n.	n.	PROPN
ejif-4307	244	14	(	(	PUNCT
ejif-4307	244	15	2019	2019	NUM
ejif-4307	244	16	)	)	PUNCT
ejif-4307	244	17	.	.	PUNCT
ejif-4307	245	1	ejif	ejif	PROPN
ejif-4307	245	2	–	–	PUNCT
ejif-4307	245	3	european	european	PROPN
ejif-4307	245	4	journal	journal	PROPN
ejif-4307	245	5	of	of	ADP
ejif-4307	245	6	islamic	islamic	PROPN
ejif-4307	245	7	finance	finance	PROPN
ejif-4307	245	8	no15	no15	PROPN
ejif-4307	245	9	,	,	PUNCT
ejif-4307	245	10	august	august	PROPN
ejif-4307	245	11	(	(	PUNCT
ejif-4307	245	12	2020	2020	NUM
ejif-4307	245	13	)	)	PUNCT
ejif-4307	246	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	246	2	issn	issn	VERB
ejif-4307	246	3	2421	2421	NUM
ejif-4307	246	4	-	-	SYM
ejif-4307	246	5	2172	2172	NUM
ejif-4307	246	6	8	8	NUM
ejif-4307	246	7	talent	talent	NOUN
ejif-4307	246	8	management	management	NOUN
ejif-4307	246	9	for	for	ADP
ejif-4307	246	10	shariah	shariah	PROPN
ejif-4307	246	11	auditors	auditor	NOUN
ejif-4307	246	12	 	 	SPACE
ejif-4307	246	13	:	:	PUNCT
ejif-4307	246	14	case	case	NOUN
ejif-4307	246	15	study	study	NOUN
ejif-4307	246	16	evidence	evidence	NOUN
ejif-4307	246	17	from	from	ADP
ejif-4307	246	18	the	the	DET
ejif-4307	246	19	practitioners	practitioner	NOUN
ejif-4307	246	20	.	.	PUNCT
ejif-4307	247	1	international	international	ADJ
ejif-4307	247	2	journal	journal	PROPN
ejif-4307	247	3	of	of	ADP
ejif-4307	247	4	financial	financial	ADJ
ejif-4307	247	5	research	research	NOUN
ejif-4307	247	6	,	,	PUNCT
ejif-4307	247	7	10(3	10(3	NUM
ejif-4307	247	8	)	)	PUNCT
ejif-4307	247	9	,	,	PUNCT
ejif-4307	247	10	252–266	252–266	NUM
ejif-4307	247	11	.	.	PUNCT
ejif-4307	248	1	https://doi.org/10.5430/ijfr.v10n3p252	https://doi.org/10.5430/ijfr.v10n3p252	PROPN
ejif-4307	249	1	[	[	X
ejif-4307	249	2	10	10	NUM
ejif-4307	249	3	]	]	X
ejif-4307	249	4	ali	ali	PROPN
ejif-4307	249	5	,	,	PUNCT
ejif-4307	249	6	n.	n.	PROPN
ejif-4307	249	7	a.	a.	NOUN
ejif-4307	249	8	m.	m.	PROPN
ejif-4307	249	9	,	,	PUNCT
ejif-4307	249	10	shahimi	shahimi	PROPN
ejif-4307	249	11	,	,	PUNCT
ejif-4307	249	12	z.	z.	PROPN
ejif-4307	249	13	m.	m.	PROPN
ejif-4307	249	14	m.	m.	PROPN
ejif-4307	249	15	s.	s.	PROPN
ejif-4307	249	16	,	,	PUNCT
ejif-4307	249	17	&	&	CCONJ
ejif-4307	249	18	shafii	shafii	ADJ
ejif-4307	249	19	,	,	PUNCT
ejif-4307	249	20	z.	z.	PROPN
ejif-4307	249	21	(	(	PUNCT
ejif-4307	249	22	2014	2014	NUM
ejif-4307	249	23	)	)	PUNCT
ejif-4307	249	24	.	.	PUNCT
ejif-4307	250	1	competency	competency	NOUN
ejif-4307	250	2	of	of	ADP
ejif-4307	250	3	shariah	shariah	PROPN
ejif-4307	250	4	auditors	auditor	NOUN
ejif-4307	250	5	in	in	ADP
ejif-4307	250	6	malaysia	malaysia	PROPN
ejif-4307	250	7	 	 	SPACE
ejif-4307	250	8	:	:	PUNCT
ejif-4307	250	9	issues	issue	NOUN
ejif-4307	250	10	and	and	CCONJ
ejif-4307	250	11	challenges	challenge	NOUN
ejif-4307	250	12	.	.	PUNCT
ejif-4307	251	1	in	in	ADP
ejif-4307	251	2	2nd	2nd	PROPN
ejif-4307	251	3	asean	asean	PROPN
ejif-4307	251	4	international	international	PROPN
ejif-4307	251	5	conference	conference	NOUN
ejif-4307	251	6	on	on	ADP
ejif-4307	251	7	islamic	islamic	ADJ
ejif-4307	251	8	finance	finance	NOUN
ejif-4307	251	9	(	(	PUNCT
ejif-4307	251	10	pp	pp	ADJ
ejif-4307	251	11	.	.	NOUN
ejif-4307	251	12	1	1	NUM
ejif-4307	251	13	–	–	PUNCT
ejif-4307	251	14	10	10	NUM
ejif-4307	251	15	)	)	PUNCT
ejif-4307	251	16	.	.	PUNCT
ejif-4307	252	1	yogjakarta	yogjakarta	PROPN
ejif-4307	252	2	,	,	PUNCT
ejif-4307	252	3	indonesia	indonesia	PROPN
ejif-4307	252	4	.	.	PUNCT
ejif-4307	253	1	[	[	X
ejif-4307	253	2	11	11	NUM
ejif-4307	253	3	]	]	X
ejif-4307	253	4	amin	amin	NOUN
ejif-4307	253	5	,	,	PUNCT
ejif-4307	253	6	h.	h.	PROPN
ejif-4307	253	7	(	(	PUNCT
ejif-4307	253	8	2019	2019	NUM
ejif-4307	253	9	)	)	PUNCT
ejif-4307	253	10	.	.	PUNCT
ejif-4307	254	1	understanding	understand	VERB
ejif-4307	254	2	consumer	consumer	NOUN
ejif-4307	254	3	receptiveness	receptiveness	NOUN
ejif-4307	254	4	of	of	ADP
ejif-4307	254	5	mortgagebased	mortgagebase	VERB
ejif-4307	254	6	islamic	islamic	ADJ
ejif-4307	254	7	social	social	ADJ
ejif-4307	254	8	finance	finance	NOUN
ejif-4307	254	9	using	use	VERB
ejif-4307	254	10	a	a	DET
ejif-4307	254	11	maqasid	maqasid	ADJ
ejif-4307	254	12	framework	framework	NOUN
ejif-4307	254	13	 	 	SPACE
ejif-4307	254	14	:	:	PUNCT
ejif-4307	254	15	a	a	DET
ejif-4307	254	16	preliminary	preliminary	ADJ
ejif-4307	254	17	study	study	NOUN
ejif-4307	254	18	.	.	PUNCT
ejif-4307	255	1	international	international	ADJ
ejif-4307	255	2	journal	journal	PROPN
ejif-4307	255	3	of	of	ADP
ejif-4307	255	4	islamic	islamic	ADJ
ejif-4307	255	5	economics	economic	NOUN
ejif-4307	255	6	and	and	CCONJ
ejif-4307	255	7	finance	finance	NOUN
ejif-4307	255	8	,	,	PUNCT
ejif-4307	255	9	1(2	1(2	NUM
ejif-4307	255	10	)	)	PUNCT
ejif-4307	255	11	,	,	PUNCT
ejif-4307	255	12	47–72	47–72	NUM
ejif-4307	255	13	.	.	PUNCT
ejif-4307	256	1	[	[	X
ejif-4307	256	2	12	12	NUM
ejif-4307	256	3	]	]	X
ejif-4307	256	4	amin	amin	PROPN
ejif-4307	256	5	,	,	PUNCT
ejif-4307	256	6	h.	h.	PROPN
ejif-4307	256	7	,	,	PUNCT
ejif-4307	256	8	abdul	abdul	PROPN
ejif-4307	256	9	-	-	PUNCT
ejif-4307	256	10	rahman	rahman	PROPN
ejif-4307	256	11	,	,	PUNCT
ejif-4307	256	12	a.	a.	PROPN
ejif-4307	256	13	r.	r.	PROPN
ejif-4307	256	14	,	,	PUNCT
ejif-4307	256	15	&	&	CCONJ
ejif-4307	256	16	razak	razak	PROPN
ejif-4307	256	17	,	,	PUNCT
ejif-4307	256	18	d.	d.	PROPN
ejif-4307	256	19	a.	a.	PROPN
ejif-4307	256	20	(	(	PUNCT
ejif-4307	256	21	2014	2014	NUM
ejif-4307	256	22	)	)	PUNCT
ejif-4307	256	23	.	.	PUNCT
ejif-4307	257	1	theory	theory	NOUN
ejif-4307	257	2	of	of	ADP
ejif-4307	257	3	islamic	islamic	ADJ
ejif-4307	257	4	consumer	consumer	NOUN
ejif-4307	257	5	behaviour	behaviour	NOUN
ejif-4307	257	6	:	:	PUNCT
ejif-4307	257	7	an	an	DET
ejif-4307	257	8	empirical	empirical	ADJ
ejif-4307	257	9	study	study	NOUN
ejif-4307	257	10	of	of	ADP
ejif-4307	257	11	consumer	consumer	NOUN
ejif-4307	257	12	behaviour	behaviour	NOUN
ejif-4307	257	13	of	of	ADP
ejif-4307	257	14	islamic	islamic	ADJ
ejif-4307	257	15	mortgage	mortgage	NOUN
ejif-4307	257	16	in	in	ADP
ejif-4307	257	17	malaysia	malaysia	PROPN
ejif-4307	257	18	.	.	PUNCT
ejif-4307	258	1	journal	journal	PROPN
ejif-4307	258	2	of	of	ADP
ejif-4307	258	3	islamic	islamic	PROPN
ejif-4307	258	4	marketing	marketing	NOUN
ejif-4307	258	5	,	,	PUNCT
ejif-4307	258	6	5(2	5(2	NUM
ejif-4307	258	7	)	)	PUNCT
ejif-4307	258	8	,	,	PUNCT
ejif-4307	258	9	273–301	273–301	NUM
ejif-4307	258	10	.	.	PUNCT
ejif-4307	259	1	https://doi.org/10.1108/jima-06-20130042	https://doi.org/10.1108/jima-06-20130042	NOUN
ejif-4307	259	2	[	[	X
ejif-4307	259	3	13	13	NUM
ejif-4307	259	4	]	]	PUNCT
ejif-4307	259	5	arumsari	arumsari	PROPN
ejif-4307	259	6	,	,	PUNCT
ejif-4307	259	7	f.	f.	PROPN
ejif-4307	259	8	,	,	PUNCT
ejif-4307	259	9	wiranatakusuma	wiranatakusuma	PROPN
ejif-4307	259	10	,	,	PUNCT
ejif-4307	259	11	d.	d.	PROPN
ejif-4307	259	12	b.	b.	PROPN
ejif-4307	259	13	,	,	PUNCT
ejif-4307	259	14	&	&	CCONJ
ejif-4307	259	15	ahmad	ahmad	PROPN
ejif-4307	259	16	,	,	PUNCT
ejif-4307	259	17	a.	a.	PROPN
ejif-4307	259	18	u.	u.	PROPN
ejif-4307	259	19	f.	f.	PROPN
ejif-4307	259	20	(	(	PUNCT
ejif-4307	259	21	2018	2018	NUM
ejif-4307	259	22	)	)	PUNCT
ejif-4307	259	23	.	.	PUNCT
ejif-4307	260	1	building	build	VERB
ejif-4307	260	2	the	the	DET
ejif-4307	260	3	index	index	NOUN
ejif-4307	260	4	of	of	ADP
ejif-4307	260	5	resilience	resilience	NOUN
ejif-4307	260	6	for	for	ADP
ejif-4307	260	7	islamic	islamic	ADJ
ejif-4307	260	8	banking	banking	NOUN
ejif-4307	260	9	in	in	ADP
ejif-4307	260	10	indonesia	indonesia	PROPN
ejif-4307	260	11	:	:	PUNCT
ejif-4307	260	12	a	a	DET
ejif-4307	260	13	preliminary	preliminary	ADJ
ejif-4307	260	14	research	research	NOUN
ejif-4307	260	15	.	.	PUNCT
ejif-4307	261	1	international	international	ADJ
ejif-4307	261	2	journal	journal	PROPN
ejif-4307	261	3	of	of	ADP
ejif-4307	261	4	islamic	islamic	ADJ
ejif-4307	261	5	economics	economic	NOUN
ejif-4307	261	6	and	and	CCONJ
ejif-4307	261	7	finance	finance	NOUN
ejif-4307	261	8	,	,	PUNCT
ejif-4307	261	9	1(1	1(1	NUM
ejif-4307	261	10	)	)	PUNCT
ejif-4307	261	11	,	,	PUNCT
ejif-4307	261	12	77–108	77–108	NUM
ejif-4307	261	13	.	.	PUNCT
ejif-4307	262	1	[	[	X
ejif-4307	262	2	14	14	NUM
ejif-4307	262	3	]	]	PUNCT
ejif-4307	262	4	aysan	aysan	PROPN
ejif-4307	262	5	,	,	PUNCT
ejif-4307	262	6	a.	a.	PROPN
ejif-4307	262	7	f.	f.	PROPN
ejif-4307	262	8	,	,	PUNCT
ejif-4307	262	9	disli	disli	PROPN
ejif-4307	262	10	,	,	PUNCT
ejif-4307	262	11	m.	m.	NOUN
ejif-4307	262	12	,	,	PUNCT
ejif-4307	262	13	ng	ng	PROPN
ejif-4307	262	14	,	,	PUNCT
ejif-4307	262	15	a.	a.	PROPN
ejif-4307	262	16	,	,	PUNCT
ejif-4307	262	17	&	&	CCONJ
ejif-4307	262	18	ozturk	ozturk	PROPN
ejif-4307	262	19	,	,	PUNCT
ejif-4307	262	20	h.	h.	PROPN
ejif-4307	262	21	(	(	PUNCT
ejif-4307	262	22	2016	2016	NUM
ejif-4307	262	23	)	)	PUNCT
ejif-4307	262	24	.	.	PUNCT
ejif-4307	262	25	is	be	AUX
ejif-4307	262	26	small	small	ADJ
ejif-4307	262	27	the	the	DET
ejif-4307	262	28	new	new	ADJ
ejif-4307	262	29	big	big	ADJ
ejif-4307	262	30	 	 	SPACE
ejif-4307	262	31	?	?	PUNCT
ejif-4307	263	1	islamic	islamic	ADJ
ejif-4307	263	2	banking	banking	NOUN
ejif-4307	263	3	for	for	ADP
ejif-4307	263	4	smes	sme	NOUN
ejif-4307	263	5	in	in	ADP
ejif-4307	263	6	turkey	turkey	NOUN
ejif-4307	263	7	.	.	PUNCT
ejif-4307	264	1	economic	economic	ADJ
ejif-4307	264	2	modelling	modelling	NOUN
ejif-4307	264	3	,	,	PUNCT
ejif-4307	264	4	54	54	NUM
ejif-4307	264	5	,	,	PUNCT
ejif-4307	264	6	187–194	187–194	NUM
ejif-4307	264	7	.	.	PUNCT
ejif-4307	265	1	https://doi.org/10.1016/j.econmod.2015.1	https://doi.org/10.1016/j.econmod.2015.1	NUM
ejif-4307	265	2	2.031	2.031	NUM
ejif-4307	265	3	[	[	X
ejif-4307	265	4	15	15	NUM
ejif-4307	265	5	]	]	X
ejif-4307	265	6	beck	beck	NOUN
ejif-4307	265	7	,	,	PUNCT
ejif-4307	265	8	t.	t.	PROPN
ejif-4307	265	9	,	,	PUNCT
ejif-4307	265	10	demirgüç	demirgüç	PROPN
ejif-4307	265	11	-	-	PUNCT
ejif-4307	265	12	kunt	kunt	PROPN
ejif-4307	265	13	,	,	PUNCT
ejif-4307	265	14	a.	a.	PROPN
ejif-4307	265	15	,	,	PUNCT
ejif-4307	265	16	&	&	CCONJ
ejif-4307	265	17	merrouche	merrouche	PROPN
ejif-4307	265	18	,	,	PUNCT
ejif-4307	265	19	o.	o.	PROPN
ejif-4307	265	20	(	(	PUNCT
ejif-4307	265	21	2013	2013	NUM
ejif-4307	265	22	)	)	PUNCT
ejif-4307	265	23	.	.	PUNCT
ejif-4307	266	1	islamic	islamic	PROPN
ejif-4307	266	2	vs	vs	ADP
ejif-4307	266	3	.	.	PUNCT
ejif-4307	267	1	conventional	conventional	ADJ
ejif-4307	267	2	banking	banking	NOUN
ejif-4307	267	3	 	 	SPACE
ejif-4307	267	4	:	:	PUNCT
ejif-4307	267	5	business	business	NOUN
ejif-4307	267	6	model	model	NOUN
ejif-4307	267	7	,	,	PUNCT
ejif-4307	267	8	efficiency	efficiency	NOUN
ejif-4307	267	9	and	and	CCONJ
ejif-4307	267	10	stability	stability	NOUN
ejif-4307	267	11	.	.	PUNCT
ejif-4307	268	1	journal	journal	NOUN
ejif-4307	268	2	of	of	ADP
ejif-4307	268	3	banking	banking	NOUN
ejif-4307	268	4	and	and	CCONJ
ejif-4307	268	5	finance	finance	NOUN
ejif-4307	268	6	,	,	PUNCT
ejif-4307	268	7	37(2	37(2	PROPN
ejif-4307	268	8	)	)	PUNCT
ejif-4307	268	9	,	,	PUNCT
ejif-4307	268	10	433–447	433–447	NUM
ejif-4307	268	11	.	.	PUNCT
ejif-4307	269	1	https://doi.org/10.1016/j.jbankfin.2012.0	https://doi.org/10.1016/j.jbankfin.2012.0	NUM
ejif-4307	269	2	9.016	9.016	NUM
ejif-4307	269	3	[	[	SYM
ejif-4307	269	4	16	16	NUM
ejif-4307	269	5	]	]	PUNCT
ejif-4307	269	6	biancone	biancone	NOUN
ejif-4307	269	7	,	,	PUNCT
ejif-4307	269	8	p.	p.	NOUN
ejif-4307	269	9	pietro	pietro	NOUN
ejif-4307	269	10	,	,	PUNCT
ejif-4307	269	11	&	&	CCONJ
ejif-4307	269	12	radwan	radwan	PROPN
ejif-4307	269	13	,	,	PUNCT
ejif-4307	269	14	m.	m.	NOUN
ejif-4307	269	15	(	(	PUNCT
ejif-4307	269	16	2016	2016	NUM
ejif-4307	269	17	)	)	PUNCT
ejif-4307	269	18	.	.	PUNCT
ejif-4307	270	1	european	european	ADJ
ejif-4307	270	2	companies	company	NOUN
ejif-4307	270	3	:	:	PUNCT
ejif-4307	270	4	evaluation	evaluation	NOUN
ejif-4307	270	5	for	for	ADP
ejif-4307	270	6	sharia	sharia	PROPN
ejif-4307	270	7	compliance	compliance	NOUN
ejif-4307	270	8	“	"	PUNCT
ejif-4307	270	9	opportunities	opportunity	NOUN
ejif-4307	270	10	and	and	CCONJ
ejif-4307	270	11	challenges	challenge	NOUN
ejif-4307	270	12	.	.	PUNCT
ejif-4307	270	13	”	"	PUNCT
ejif-4307	271	1	european	european	PROPN
ejif-4307	271	2	journal	journal	PROPN
ejif-4307	271	3	of	of	ADP
ejif-4307	271	4	islamic	islamic	PROPN
ejif-4307	271	5	finance	finance	NOUN
ejif-4307	271	6	,	,	PUNCT
ejif-4307	271	7	5	5	NUM
ejif-4307	271	8	,	,	PUNCT
ejif-4307	271	9	1–8	1–8	NUM
ejif-4307	271	10	.	.	PUNCT
ejif-4307	271	11	https://doi.org/10.13135/2421-2172/1803	https://doi.org/10.13135/2421-2172/1803	NOUN
ejif-4307	272	1	[	[	X
ejif-4307	272	2	17	17	NUM
ejif-4307	272	3	]	]	PUNCT
ejif-4307	272	4	biancone	biancone	NOUN
ejif-4307	272	5	,	,	PUNCT
ejif-4307	272	6	p.	p.	NOUN
ejif-4307	272	7	pietro	pietro	NOUN
ejif-4307	272	8	,	,	PUNCT
ejif-4307	272	9	&	&	CCONJ
ejif-4307	272	10	radwan	radwan	PROPN
ejif-4307	272	11	,	,	PUNCT
ejif-4307	272	12	m.	m.	NOUN
ejif-4307	272	13	(	(	PUNCT
ejif-4307	272	14	2018	2018	NUM
ejif-4307	272	15	)	)	PUNCT
ejif-4307	272	16	.	.	PUNCT
ejif-4307	273	1	social	social	ADJ
ejif-4307	273	2	finance	finance	NOUN
ejif-4307	273	3	and	and	CCONJ
ejif-4307	273	4	unconventional	unconventional	ADJ
ejif-4307	273	5	financing	financing	NOUN
ejif-4307	273	6	alternatives	alternative	NOUN
ejif-4307	273	7	:	:	PUNCT
ejif-4307	273	8	an	an	DET
ejif-4307	273	9	overview	overview	NOUN
ejif-4307	273	10	.	.	PUNCT
ejif-4307	274	1	european	european	ADJ
ejif-4307	274	2	journal	journal	PROPN
ejif-4307	274	3	of	of	ADP
ejif-4307	274	4	islamic	islamic	PROPN
ejif-4307	274	5	finance	finance	NOUN
ejif-4307	274	6	,	,	PUNCT
ejif-4307	274	7	10	10	NUM
ejif-4307	274	8	,	,	PUNCT
ejif-4307	274	9	1–6	1–6	NUM
ejif-4307	274	10	.	.	PUNCT
ejif-4307	274	11	https://doi.org/10.13135/2421-2172/2818	https://doi.org/10.13135/2421-2172/2818	X
ejif-4307	275	1	[	[	X
ejif-4307	275	2	18	18	NUM
ejif-4307	275	3	]	]	PUNCT
ejif-4307	275	4	biancone	biancone	NOUN
ejif-4307	275	5	,	,	PUNCT
ejif-4307	275	6	p.	p.	NOUN
ejif-4307	275	7	pietro	pietro	NOUN
ejif-4307	275	8	,	,	PUNCT
ejif-4307	275	9	&	&	CCONJ
ejif-4307	275	10	secinaro	secinaro	NOUN
ejif-4307	275	11	,	,	PUNCT
ejif-4307	275	12	s.	s.	PROPN
ejif-4307	275	13	(	(	PUNCT
ejif-4307	275	14	2016	2016	NUM
ejif-4307	275	15	)	)	PUNCT
ejif-4307	275	16	.	.	PUNCT
ejif-4307	276	1	the	the	DET
ejif-4307	276	2	equity	equity	PROPN
ejif-4307	276	3	crowdfunding	crowdfunding	PROPN
ejif-4307	276	4	italy	italy	PROPN
ejif-4307	276	5	:	:	PUNCT
ejif-4307	276	6	a	a	DET
ejif-4307	276	7	model	model	NOUN
ejif-4307	276	8	sharia	sharia	PROPN
ejif-4307	276	9	compliant	compliant	PROPN
ejif-4307	276	10	.	.	PUNCT
ejif-4307	277	1	european	european	PROPN
ejif-4307	277	2	journal	journal	PROPN
ejif-4307	277	3	of	of	ADP
ejif-4307	277	4	islamic	islamic	PROPN
ejif-4307	277	5	finance	finance	NOUN
ejif-4307	277	6	,	,	PUNCT
ejif-4307	277	7	5	5	NUM
ejif-4307	277	8	,	,	PUNCT
ejif-4307	277	9	1–10	1–10	NOUN
ejif-4307	277	10	.	.	PUNCT
ejif-4307	278	1	https://doi.org/10.13135/2421-2172/1797	https://doi.org/10.13135/2421-2172/1797	X
ejif-4307	279	1	[	[	X
ejif-4307	279	2	19	19	NUM
ejif-4307	279	3	]	]	X
ejif-4307	279	4	bilal	bilal	PROPN
ejif-4307	279	5	,	,	PUNCT
ejif-4307	279	6	m.	m.	NOUN
ejif-4307	279	7	,	,	PUNCT
ejif-4307	279	8	&	&	CCONJ
ejif-4307	279	9	meera	meera	PROPN
ejif-4307	279	10	,	,	PUNCT
ejif-4307	279	11	a.	a.	PROPN
ejif-4307	279	12	k.	k.	PROPN
ejif-4307	279	13	m.	m.	PROPN
ejif-4307	279	14	(	(	PUNCT
ejif-4307	279	15	2015	2015	NUM
ejif-4307	279	16	)	)	PUNCT
ejif-4307	279	17	.	.	PUNCT
ejif-4307	280	1	almuqassah	almuqassah	NOUN
ejif-4307	280	2	model	model	NOUN
ejif-4307	280	3	credit	credit	NOUN
ejif-4307	280	4	card	card	NOUN
ejif-4307	280	5	model	model	NOUN
ejif-4307	280	6	for	for	ADP
ejif-4307	280	7	islamic	islamic	ADJ
ejif-4307	280	8	financial	financial	ADJ
ejif-4307	280	9	institutions	institution	NOUN
ejif-4307	280	10	in	in	ADP
ejif-4307	280	11	malaysia	malaysia	PROPN
ejif-4307	280	12	.	.	PUNCT
ejif-4307	281	1	international	international	ADJ
ejif-4307	281	2	journal	journal	PROPN
ejif-4307	281	3	of	of	ADP
ejif-4307	281	4	islamic	islamic	ADJ
ejif-4307	281	5	and	and	CCONJ
ejif-4307	281	6	middle	middle	ADJ
ejif-4307	281	7	eastern	eastern	ADJ
ejif-4307	281	8	finance	finance	NOUN
ejif-4307	281	9	and	and	CCONJ
ejif-4307	281	10	management	management	NOUN
ejif-4307	281	11	,	,	PUNCT
ejif-4307	281	12	8(4	8(4	NUM
ejif-4307	281	13	)	)	PUNCT
ejif-4307	281	14	,	,	PUNCT
ejif-4307	281	15	418–438	418–438	NUM
ejif-4307	281	16	.	.	PUNCT
ejif-4307	282	1	https://doi.org/10.1108/imefm-062014-0052	https://doi.org/10.1108/imefm-062014-0052	X
ejif-4307	283	1	[	[	X
ejif-4307	283	2	20	20	NUM
ejif-4307	283	3	]	]	X
ejif-4307	283	4	bitar	bitar	NOUN
ejif-4307	283	5	,	,	PUNCT
ejif-4307	283	6	m.	m.	NOUN
ejif-4307	283	7	,	,	PUNCT
ejif-4307	283	8	hassan	hassan	PROPN
ejif-4307	283	9	,	,	PUNCT
ejif-4307	283	10	m.	m.	PROPN
ejif-4307	283	11	k.	k.	PROPN
ejif-4307	283	12	,	,	PUNCT
ejif-4307	283	13	&	&	CCONJ
ejif-4307	283	14	walker	walker	PROPN
ejif-4307	283	15	,	,	PUNCT
ejif-4307	283	16	t.	t.	PROPN
ejif-4307	283	17	(	(	PUNCT
ejif-4307	283	18	2017	2017	NUM
ejif-4307	283	19	)	)	PUNCT
ejif-4307	283	20	.	.	PUNCT
ejif-4307	284	1	political	political	ADJ
ejif-4307	284	2	systems	system	NOUN
ejif-4307	284	3	and	and	CCONJ
ejif-4307	284	4	the	the	DET
ejif-4307	284	5	financial	financial	ADJ
ejif-4307	284	6	soundness	soundness	NOUN
ejif-4307	284	7	of	of	ADP
ejif-4307	284	8	islamic	islamic	ADJ
ejif-4307	284	9	banks	banks	PROPN
ejif-4307	284	10	ଝ.	ଝ.	PROPN
ejif-4307	284	11	journal	journal	PROPN
ejif-4307	284	12	of	of	ADP
ejif-4307	284	13	financial	financial	ADJ
ejif-4307	284	14	stability	stability	NOUN
ejif-4307	284	15	,	,	PUNCT
ejif-4307	284	16	31	31	NUM
ejif-4307	284	17	,	,	PUNCT
ejif-4307	284	18	18–44	18–44	NUM
ejif-4307	284	19	.	.	PUNCT
ejif-4307	285	1	https://doi.org/10.1016/j.jfs.2017.06.002	https://doi.org/10.1016/j.jfs.2017.06.002	NOUN
ejif-4307	285	2	[	[	X
ejif-4307	285	3	21	21	NUM
ejif-4307	285	4	]	]	X
ejif-4307	285	5	chong	chong	PROPN
ejif-4307	285	6	,	,	PUNCT
ejif-4307	285	7	b.	b.	PROPN
ejif-4307	285	8	s.	s.	PROPN
ejif-4307	285	9	,	,	PUNCT
ejif-4307	285	10	&	&	CCONJ
ejif-4307	285	11	liu	liu	PROPN
ejif-4307	285	12	,	,	PUNCT
ejif-4307	285	13	m.	m.	NOUN
ejif-4307	285	14	(	(	PUNCT
ejif-4307	285	15	2009	2009	NUM
ejif-4307	285	16	)	)	PUNCT
ejif-4307	285	17	.	.	PUNCT
ejif-4307	286	1	islamic	islamic	ADJ
ejif-4307	286	2	banking	banking	PROPN
ejif-4307	286	3	 	 	SPACE
ejif-4307	286	4	:	:	PUNCT
ejif-4307	286	5	interest	interest	NOUN
ejif-4307	286	6	-	-	PUNCT
ejif-4307	286	7	free	free	ADJ
ejif-4307	286	8	or	or	CCONJ
ejif-4307	286	9	interest	interest	NOUN
ejif-4307	286	10	-	-	PUNCT
ejif-4307	286	11	based	base	VERB
ejif-4307	286	12	 	 	SPACE
ejif-4307	286	13	?	?	PUNCT
ejif-4307	287	1	☆	☆	NOUN
ejif-4307	287	2	.	.	PUNCT
ejif-4307	287	3	pacific	pacific	ADJ
ejif-4307	287	4	-	-	PUNCT
ejif-4307	287	5	basin	basin	NOUN
ejif-4307	287	6	finance	finance	NOUN
ejif-4307	287	7	journal	journal	NOUN
ejif-4307	287	8	,	,	PUNCT
ejif-4307	287	9	17(1	17(1	NUM
ejif-4307	287	10	)	)	PUNCT
ejif-4307	287	11	,	,	PUNCT
ejif-4307	287	12	125–144	125–144	NUM
ejif-4307	287	13	.	.	PUNCT
ejif-4307	288	1	https://doi.org/10.1016/j.pacfin.2007.12	https://doi.org/10.1016/j.pacfin.2007.12	X
ejif-4307	288	2	.	.	PUNCT
ejif-4307	288	3	003	003	NUM
ejif-4307	289	1	[	[	X
ejif-4307	289	2	22	22	NUM
ejif-4307	289	3	]	]	PUNCT
ejif-4307	289	4	chowdhury	chowdhury	PROPN
ejif-4307	289	5	,	,	PUNCT
ejif-4307	289	6	m.	m.	NOUN
ejif-4307	289	7	a.	a.	NOUN
ejif-4307	289	8	m.	m.	PROPN
ejif-4307	289	9	,	,	PUNCT
ejif-4307	289	10	&	&	CCONJ
ejif-4307	289	11	razak	razak	PROPN
ejif-4307	289	12	,	,	PUNCT
ejif-4307	289	13	d.	d.	PROPN
ejif-4307	289	14	b.	b.	PROPN
ejif-4307	289	15	a.	a.	PROPN
ejif-4307	289	16	(	(	PUNCT
ejif-4307	289	17	2019	2019	NUM
ejif-4307	289	18	)	)	PUNCT
ejif-4307	289	19	.	.	PUNCT
ejif-4307	290	1	dynamism	dynamism	NOUN
ejif-4307	290	2	and	and	CCONJ
ejif-4307	290	3	mechanism	mechanism	NOUN
ejif-4307	290	4	of	of	ADP
ejif-4307	290	5	digital	digital	ADJ
ejif-4307	290	6	currency	currency	NOUN
ejif-4307	290	7	(	(	PUNCT
ejif-4307	290	8	cryptocurrency	cryptocurrency	NOUN
ejif-4307	290	9	)	)	PUNCT
ejif-4307	290	10	towards	towards	ADP
ejif-4307	290	11	islamic	islamic	ADJ
ejif-4307	290	12	finance	finance	PROPN
ejif-4307	290	13	.	.	PUNCT
ejif-4307	291	1	european	european	PROPN
ejif-4307	291	2	journal	journal	PROPN
ejif-4307	291	3	of	of	ADP
ejif-4307	291	4	islamic	islamic	PROPN
ejif-4307	291	5	finance	finance	PROPN
ejif-4307	291	6	(	(	PUNCT
ejif-4307	291	7	ejif	ejif	PROPN
ejif-4307	291	8	)	)	PUNCT
ejif-4307	291	9	,	,	PUNCT
ejif-4307	291	10	(	(	PUNCT
ejif-4307	291	11	14	14	NUM
ejif-4307	291	12	)	)	PUNCT
ejif-4307	291	13	,	,	PUNCT
ejif-4307	291	14	1–9	1–9	NOUN
ejif-4307	291	15	.	.	PUNCT
ejif-4307	292	1	https://doi.org/10.13135/24212172/3736	https://doi.org/10.13135/24212172/3736	NOUN
ejif-4307	293	1	[	[	X
ejif-4307	293	2	23	23	NUM
ejif-4307	293	3	]	]	X
ejif-4307	293	4	doumpos	doumpos	NOUN
ejif-4307	293	5	,	,	PUNCT
ejif-4307	293	6	m.	m.	NOUN
ejif-4307	293	7	,	,	PUNCT
ejif-4307	293	8	hasan	hasan	PROPN
ejif-4307	293	9	,	,	PUNCT
ejif-4307	293	10	i.	i.	PROPN
ejif-4307	293	11	,	,	PUNCT
ejif-4307	293	12	&	&	CCONJ
ejif-4307	293	13	pasiouras	pasiouras	PROPN
ejif-4307	293	14	,	,	PUNCT
ejif-4307	293	15	f.	f.	PROPN
ejif-4307	293	16	(	(	PUNCT
ejif-4307	293	17	2017	2017	NUM
ejif-4307	293	18	)	)	PUNCT
ejif-4307	293	19	.	.	PUNCT
ejif-4307	294	1	bank	bank	NOUN
ejif-4307	294	2	overall	overall	ADJ
ejif-4307	294	3	financial	financial	ADJ
ejif-4307	294	4	strength	strength	NOUN
ejif-4307	294	5	 	 	SPACE
ejif-4307	294	6	:	:	PUNCT
ejif-4307	294	7	islamic	islamic	ADJ
ejif-4307	294	8	versus	versus	ADP
ejif-4307	294	9	conventional	conventional	ADJ
ejif-4307	294	10	banks	bank	NOUN
ejif-4307	294	11	.	.	PUNCT
ejif-4307	295	1	economic	economic	ADJ
ejif-4307	295	2	modelling	modelling	NOUN
ejif-4307	295	3	,	,	PUNCT
ejif-4307	295	4	xxx(xxxx	xxx(xxxx	PROPN
ejif-4307	295	5	)	)	PUNCT
ejif-4307	295	6	,	,	PUNCT
ejif-4307	295	7	1	1	NUM
ejif-4307	295	8	–	–	PUNCT
ejif-4307	295	9	11	11	NUM
ejif-4307	295	10	.	.	PUNCT
ejif-4307	296	1	https://doi.org/10.1016/j.econmod.2017.0	https://doi.org/10.1016/j.econmod.2017.0	NUM
ejif-4307	296	2	3.026	3.026	NUM
ejif-4307	297	1	[	[	X
ejif-4307	297	2	24	24	NUM
ejif-4307	297	3	]	]	SYM
ejif-4307	297	4	ebrahim	ebrahim	PROPN
ejif-4307	297	5	,	,	PUNCT
ejif-4307	297	6	m.	m.	PROPN
ejif-4307	297	7	s.	s.	PROPN
ejif-4307	297	8	,	,	PUNCT
ejif-4307	297	9	jaafar	jaafar	ADV
ejif-4307	297	10	,	,	PUNCT
ejif-4307	297	11	a.	a.	NOUN
ejif-4307	297	12	,	,	PUNCT
ejif-4307	297	13	omar	omar	PROPN
ejif-4307	297	14	,	,	PUNCT
ejif-4307	297	15	f.	f.	PROPN
ejif-4307	297	16	a.	a.	PROPN
ejif-4307	297	17	,	,	PUNCT
ejif-4307	297	18	&	&	CCONJ
ejif-4307	297	19	salleh	salleh	PROPN
ejif-4307	297	20	,	,	PUNCT
ejif-4307	297	21	m.	m.	NOUN
ejif-4307	297	22	o.	o.	PROPN
ejif-4307	297	23	(	(	PUNCT
ejif-4307	297	24	2016	2016	NUM
ejif-4307	297	25	)	)	PUNCT
ejif-4307	297	26	.	.	PUNCT
ejif-4307	298	1	can	can	AUX
ejif-4307	298	2	islamic	islamic	VERB
ejif-4307	298	3	injunctions	injunction	NOUN
ejif-4307	298	4	indemnify	indemnify	VERB
ejif-4307	298	5	the	the	DET
ejif-4307	298	6	structural	structural	ADJ
ejif-4307	298	7	fl	fl	NOUN
ejif-4307	298	8	aws	aw	NOUN
ejif-4307	298	9	of	of	ADP
ejif-4307	298	10	securitized	securitize	VERB
ejif-4307	298	11	debt	debt	NOUN
ejif-4307	298	12	 	 	SPACE
ejif-4307	298	13	?	?	PUNCT
ejif-4307	299	1	journal	journal	NOUN
ejif-4307	299	2	of	of	ADP
ejif-4307	299	3	corporate	corporate	ADJ
ejif-4307	299	4	finance	finance	NOUN
ejif-4307	299	5	,	,	PUNCT
ejif-4307	299	6	1–16	1–16	PROPN
ejif-4307	299	7	.	.	PUNCT
ejif-4307	300	1	https://doi.org/10.1016/j.jcorpfin.2016.01	https://doi.org/10.1016/j.jcorpfin.2016.01	PROPN
ejif-4307	300	2	.002	.002	NUM
ejif-4307	301	1	[	[	X
ejif-4307	301	2	25	25	NUM
ejif-4307	301	3	]	]	X
ejif-4307	301	4	fa	fa	PROPN
ejif-4307	301	5	-	-	PUNCT
ejif-4307	301	6	yusuf	yusuf	PROPN
ejif-4307	301	7	,	,	PUNCT
ejif-4307	301	8	h.	h.	PROPN
ejif-4307	301	9	s.	s.	PROPN
ejif-4307	301	10	,	,	PUNCT
ejif-4307	301	11	&	&	CCONJ
ejif-4307	301	12	ndiaye	ndiaye	NOUN
ejif-4307	301	13	,	,	PUNCT
ejif-4307	301	14	n.	n.	PROPN
ejif-4307	301	15	d.	d.	PROPN
ejif-4307	301	16	(	(	PUNCT
ejif-4307	301	17	2017	2017	NUM
ejif-4307	301	18	)	)	PUNCT
ejif-4307	301	19	.	.	PUNCT
ejif-4307	302	1	issues	issue	NOUN
ejif-4307	302	2	with	with	ADP
ejif-4307	302	3	the	the	DET
ejif-4307	302	4	use	use	NOUN
ejif-4307	302	5	of	of	ADP
ejif-4307	302	6	tawarruq	tawarruq	NOUN
ejif-4307	302	7	in	in	ADP
ejif-4307	302	8	malaysia	malaysia	PROPN
ejif-4307	302	9	.	.	PUNCT
ejif-4307	303	1	journal	journal	PROPN
ejif-4307	303	2	of	of	ADP
ejif-4307	303	3	islamic	islamic	PROPN
ejif-4307	303	4	banking	banking	NOUN
ejif-4307	303	5	and	and	CCONJ
ejif-4307	303	6	finance	finance	NOUN
ejif-4307	303	7	,	,	PUNCT
ejif-4307	303	8	5(2	5(2	NUM
ejif-4307	303	9	)	)	PUNCT
ejif-4307	303	10	,	,	PUNCT
ejif-4307	303	11	30–36	30–36	NUM
ejif-4307	303	12	.	.	PUNCT
ejif-4307	304	1	https://doi.org/10.15640/jibf.v5n2a5	https://doi.org/10.15640/jibf.v5n2a5	PROPN
ejif-4307	304	2	[	[	X
ejif-4307	304	3	26	26	NUM
ejif-4307	304	4	]	]	SYM
ejif-4307	304	5	hermanto	hermanto	NOUN
ejif-4307	304	6	,	,	PUNCT
ejif-4307	304	7	b.	b.	PROPN
ejif-4307	304	8	(	(	PUNCT
ejif-4307	304	9	2018	2018	NUM
ejif-4307	304	10	)	)	PUNCT
ejif-4307	304	11	.	.	PUNCT
ejif-4307	305	1	the	the	DET
ejif-4307	305	2	role	role	NOUN
ejif-4307	305	3	of	of	ADP
ejif-4307	305	4	dsnmui	dsnmui	NOUN
ejif-4307	305	5	to	to	PART
ejif-4307	305	6	ensure	ensure	VERB
ejif-4307	305	7	shariah	shariah	PROPN
ejif-4307	305	8	compliance	compliance	NOUN
ejif-4307	305	9	of	of	ADP
ejif-4307	305	10	islamic	islamic	ADJ
ejif-4307	305	11	financial	financial	ADJ
ejif-4307	305	12	transactions	transaction	NOUN
ejif-4307	305	13	in	in	ADP
ejif-4307	305	14	indonesia	indonesia	PROPN
ejif-4307	305	15	(	(	PUNCT
ejif-4307	305	16	a	a	DET
ejif-4307	305	17	political	political	ADJ
ejif-4307	305	18	ambiguity	ambiguity	NOUN
ejif-4307	305	19	perspective	perspective	NOUN
ejif-4307	305	20	)	)	PUNCT
ejif-4307	305	21	.	.	PUNCT
ejif-4307	306	1	journal	journal	PROPN
ejif-4307	306	2	of	of	ADP
ejif-4307	306	3	islamic	islamic	PROPN
ejif-4307	306	4	banking	banking	NOUN
ejif-4307	306	5	and	and	CCONJ
ejif-4307	306	6	finance	finance	NOUN
ejif-4307	306	7	,	,	PUNCT
ejif-4307	306	8	6(1	6(1	NUM
ejif-4307	306	9	)	)	PUNCT
ejif-4307	306	10	,	,	PUNCT
ejif-4307	306	11	37–44	37–44	NUM
ejif-4307	306	12	.	.	PUNCT
ejif-4307	307	1	https://doi.org/10.15640/jibf.v6n1a4	https://doi.org/10.15640/jibf.v6n1a4	PROPN
ejif-4307	307	2	[	[	X
ejif-4307	307	3	27	27	NUM
ejif-4307	307	4	]	]	X
ejif-4307	307	5	ibrahim	ibrahim	PROPN
ejif-4307	307	6	,	,	PUNCT
ejif-4307	307	7	m.	m.	PROPN
ejif-4307	307	8	h.	h.	PROPN
ejif-4307	307	9	,	,	PUNCT
ejif-4307	307	10	&	&	CCONJ
ejif-4307	307	11	shah	shah	PROPN
ejif-4307	307	12	,	,	PUNCT
ejif-4307	307	13	m.	m.	PROPN
ejif-4307	307	14	e.	e.	PROPN
ejif-4307	307	15	(	(	PUNCT
ejif-4307	307	16	2012	2012	NUM
ejif-4307	307	17	)	)	PUNCT
ejif-4307	307	18	.	.	PUNCT
ejif-4307	308	1	bank	bank	NOUN
ejif-4307	308	2	lending	lending	NOUN
ejif-4307	308	3	,	,	PUNCT
ejif-4307	308	4	macroeconomic	macroeconomic	ADJ
ejif-4307	308	5	conditions	condition	NOUN
ejif-4307	308	6	and	and	CCONJ
ejif-4307	308	7	financial	financial	ADJ
ejif-4307	308	8	uncertainty	uncertainty	NOUN
ejif-4307	308	9	 	 	SPACE
ejif-4307	308	10	:	:	PUNCT
ejif-4307	308	11	evidence	evidence	NOUN
ejif-4307	308	12	from	from	ADP
ejif-4307	308	13	malaysia	malaysia	PROPN
ejif-4307	308	14	.	.	PUNCT
ejif-4307	309	1	review	review	PROPN
ejif-4307	309	2	ofdevelopment	ofdevelopment	PROPN
ejif-4307	309	3	finance	finance	NOUN
ejif-4307	309	4	,	,	PUNCT
ejif-4307	309	5	2	2	NUM
ejif-4307	309	6	,	,	PUNCT
ejif-4307	309	7	156–164	156–164	NUM
ejif-4307	309	8	.	.	PUNCT
ejif-4307	310	1	https://doi.org/10.1016/j.rdf.2012.09.001	https://doi.org/10.1016/j.rdf.2012.09.001	X
ejif-4307	311	1	[	[	X
ejif-4307	311	2	28	28	NUM
ejif-4307	311	3	]	]	SYM
ejif-4307	311	4	ito	ito	PROPN
ejif-4307	311	5	,	,	PUNCT
ejif-4307	311	6	t.	t.	PROPN
ejif-4307	311	7	(	(	PUNCT
ejif-4307	311	8	2013	2013	NUM
ejif-4307	311	9	)	)	PUNCT
ejif-4307	311	10	.	.	PUNCT
ejif-4307	312	1	islamic	islamic	ADJ
ejif-4307	312	2	rates	rate	NOUN
ejif-4307	312	3	of	of	ADP
ejif-4307	312	4	return	return	NOUN
ejif-4307	312	5	and	and	CCONJ
ejif-4307	312	6	ejif	ejif	PROPN
ejif-4307	312	7	–	–	PUNCT
ejif-4307	312	8	european	european	PROPN
ejif-4307	312	9	journal	journal	PROPN
ejif-4307	312	10	of	of	ADP
ejif-4307	312	11	islamic	islamic	PROPN
ejif-4307	312	12	finance	finance	PROPN
ejif-4307	312	13	no15	no15	PROPN
ejif-4307	312	14	,	,	PUNCT
ejif-4307	312	15	august	august	PROPN
ejif-4307	312	16	(	(	PUNCT
ejif-4307	312	17	2020	2020	NUM
ejif-4307	312	18	)	)	PUNCT
ejif-4307	313	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	313	2	issn	issn	VERB
ejif-4307	313	3	2421	2421	NUM
ejif-4307	313	4	-	-	SYM
ejif-4307	313	5	2172	2172	NUM
ejif-4307	313	6	9	9	NUM
ejif-4307	313	7	conventional	conventional	ADJ
ejif-4307	313	8	interest	interest	NOUN
ejif-4307	313	9	rates	rate	NOUN
ejif-4307	313	10	in	in	ADP
ejif-4307	313	11	the	the	DET
ejif-4307	313	12	malaysian	malaysian	ADJ
ejif-4307	313	13	deposit	deposit	NOUN
ejif-4307	313	14	market	market	NOUN
ejif-4307	313	15	.	.	PUNCT
ejif-4307	314	1	international	international	ADJ
ejif-4307	314	2	journal	journal	PROPN
ejif-4307	314	3	of	of	ADP
ejif-4307	314	4	islamic	islamic	ADJ
ejif-4307	314	5	and	and	CCONJ
ejif-4307	314	6	middle	middle	ADJ
ejif-4307	314	7	eastern	eastern	ADJ
ejif-4307	314	8	finance	finance	NOUN
ejif-4307	314	9	and	and	CCONJ
ejif-4307	314	10	management	management	NOUN
ejif-4307	314	11	,	,	PUNCT
ejif-4307	314	12	6(4	6(4	NOUN
ejif-4307	314	13	)	)	PUNCT
ejif-4307	314	14	,	,	PUNCT
ejif-4307	314	15	290	290	NUM
ejif-4307	314	16	–	–	PUNCT
ejif-4307	314	17	303	303	NUM
ejif-4307	314	18	.	.	PUNCT
ejif-4307	315	1	https://doi.org/10.1108/imefm-112012-0113	https://doi.org/10.1108/imefm-112012-0113	X
ejif-4307	316	1	[	[	X
ejif-4307	316	2	29	29	NUM
ejif-4307	316	3	]	]	X
ejif-4307	316	4	kahf	kahf	PROPN
ejif-4307	316	5	,	,	PUNCT
ejif-4307	316	6	m.	m.	NOUN
ejif-4307	316	7	(	(	PUNCT
ejif-4307	316	8	2005	2005	NUM
ejif-4307	316	9	)	)	PUNCT
ejif-4307	316	10	.	.	PUNCT
ejif-4307	317	1	basel	basel	PROPN
ejif-4307	317	2	ii	ii	PROPN
ejif-4307	317	3	 	 	SPACE
ejif-4307	317	4	:	:	PUNCT
ejif-4307	317	5	implications	implication	NOUN
ejif-4307	317	6	for	for	ADP
ejif-4307	317	7	islamic	islamic	ADJ
ejif-4307	317	8	banking	banking	NOUN
ejif-4307	317	9	.	.	PUNCT
ejif-4307	318	1	in	in	ADP
ejif-4307	318	2	6th	6th	ADJ
ejif-4307	318	3	international	international	ADJ
ejif-4307	318	4	conference	conference	NOUN
ejif-4307	318	5	on	on	ADP
ejif-4307	318	6	islamic	islamic	ADJ
ejif-4307	318	7	economics	economic	NOUN
ejif-4307	318	8	and	and	CCONJ
ejif-4307	318	9	banking	banking	NOUN
ejif-4307	318	10	(	(	PUNCT
ejif-4307	318	11	pp	pp	ADJ
ejif-4307	318	12	.	.	PUNCT
ejif-4307	319	1	20–21	20–21	NUM
ejif-4307	319	2	)	)	PUNCT
ejif-4307	319	3	.	.	PUNCT
ejif-4307	320	1	jakarta	jakarta	PROPN
ejif-4307	320	2	.	.	PUNCT
ejif-4307	321	1	[	[	X
ejif-4307	321	2	30	30	NUM
ejif-4307	321	3	]	]	X
ejif-4307	321	4	kamil	kamil	PROPN
ejif-4307	321	5	,	,	PUNCT
ejif-4307	321	6	b.	b.	PROPN
ejif-4307	321	7	a.	a.	PROPN
ejif-4307	321	8	m.	m.	PROPN
ejif-4307	321	9	,	,	PUNCT
ejif-4307	321	10	&	&	CCONJ
ejif-4307	321	11	iqbal	iqbal	PROPN
ejif-4307	321	12	,	,	PUNCT
ejif-4307	321	13	f.	f.	PROPN
ejif-4307	321	14	i.	i.	PROPN
ejif-4307	321	15	(	(	PUNCT
ejif-4307	321	16	2017	2017	NUM
ejif-4307	321	17	)	)	PUNCT
ejif-4307	321	18	.	.	PUNCT
ejif-4307	322	1	develop	develop	VERB
ejif-4307	322	2	and	and	CCONJ
ejif-4307	322	3	engage	engage	VERB
ejif-4307	322	4	talents	talent	NOUN
ejif-4307	322	5	 	 	SPACE
ejif-4307	322	6	:	:	PUNCT
ejif-4307	322	7	a	a	DET
ejif-4307	322	8	preliminary	preliminary	ADJ
ejif-4307	322	9	study	study	NOUN
ejif-4307	322	10	at	at	ADP
ejif-4307	322	11	islamic	islamic	ADJ
ejif-4307	322	12	banks	bank	NOUN
ejif-4307	322	13	in	in	ADP
ejif-4307	322	14	northern	northern	ADJ
ejif-4307	322	15	region	region	NOUN
ejif-4307	322	16	of	of	ADP
ejif-4307	322	17	malaysia	malaysia	PROPN
ejif-4307	322	18	.	.	PUNCT
ejif-4307	323	1	journal	journal	PROPN
ejif-4307	323	2	of	of	ADP
ejif-4307	323	3	accounting	accounting	NOUN
ejif-4307	323	4	and	and	CCONJ
ejif-4307	323	5	finance	finance	NOUN
ejif-4307	323	6	in	in	ADP
ejif-4307	323	7	emerging	emerge	VERB
ejif-4307	323	8	economies	economy	NOUN
ejif-4307	323	9	,	,	PUNCT
ejif-4307	323	10	3(2	3(2	NUM
ejif-4307	323	11	)	)	PUNCT
ejif-4307	323	12	,	,	PUNCT
ejif-4307	323	13	113–122	113–122	NUM
ejif-4307	323	14	.	.	PUNCT
ejif-4307	324	1	[	[	X
ejif-4307	324	2	31	31	NUM
ejif-4307	324	3	]	]	X
ejif-4307	324	4	kasim	kasim	PROPN
ejif-4307	324	5	,	,	PUNCT
ejif-4307	324	6	n.	n.	NOUN
ejif-4307	324	7	,	,	PUNCT
ejif-4307	324	8	sanusi	sanusi	PROPN
ejif-4307	324	9	,	,	PUNCT
ejif-4307	324	10	z.	z.	PROPN
ejif-4307	324	11	m.	m.	PROPN
ejif-4307	324	12	,	,	PUNCT
ejif-4307	324	13	mutamimah	mutamimah	PROPN
ejif-4307	324	14	,	,	PUNCT
ejif-4307	324	15	t.	t.	PROPN
ejif-4307	324	16	,	,	PUNCT
ejif-4307	324	17	&	&	CCONJ
ejif-4307	324	18	handoyo	handoyo	PROPN
ejif-4307	324	19	,	,	PUNCT
ejif-4307	324	20	s.	s.	PROPN
ejif-4307	324	21	(	(	PUNCT
ejif-4307	324	22	2013	2013	NUM
ejif-4307	324	23	)	)	PUNCT
ejif-4307	324	24	.	.	PUNCT
ejif-4307	325	1	assessing	assess	VERB
ejif-4307	325	2	the	the	DET
ejif-4307	325	3	current	current	ADJ
ejif-4307	325	4	practice	practice	NOUN
ejif-4307	325	5	of	of	ADP
ejif-4307	325	6	auditing	auditing	NOUN
ejif-4307	325	7	in	in	ADP
ejif-4307	325	8	islamic	islamic	ADJ
ejif-4307	325	9	financial	financial	ADJ
ejif-4307	325	10	institutions	institution	NOUN
ejif-4307	325	11	in	in	ADP
ejif-4307	325	12	malaysia	malaysia	PROPN
ejif-4307	325	13	and	and	CCONJ
ejif-4307	325	14	indonesia	indonesia	PROPN
ejif-4307	325	15	.	.	PUNCT
ejif-4307	326	1	international	international	PROPN
ejif-4307	326	2	journal	journal	PROPN
ejif-4307	326	3	of	of	ADP
ejif-4307	326	4	trade	trade	NOUN
ejif-4307	326	5	,	,	PUNCT
ejif-4307	326	6	economics	economic	NOUN
ejif-4307	326	7	and	and	CCONJ
ejif-4307	326	8	finance	finance	NOUN
ejif-4307	326	9	,	,	PUNCT
ejif-4307	326	10	4(6	4(6	NUM
ejif-4307	326	11	)	)	PUNCT
ejif-4307	326	12	,	,	PUNCT
ejif-4307	326	13	414–418	414–418	NUM
ejif-4307	326	14	.	.	PUNCT
ejif-4307	327	1	https://doi.org/10.7763/ijtef.2013.v4.3	https://doi.org/10.7763/ijtef.2013.v4.3	NOUN
ejif-4307	327	2	28	28	NUM
ejif-4307	328	1	[	[	X
ejif-4307	328	2	32	32	NUM
ejif-4307	328	3	]	]	SYM
ejif-4307	328	4	khaliq	khaliq	PROPN
ejif-4307	328	5	,	,	PUNCT
ejif-4307	328	6	a.	a.	NOUN
ejif-4307	328	7	,	,	PUNCT
ejif-4307	328	8	&	&	CCONJ
ejif-4307	328	9	thaker	thaker	PROPN
ejif-4307	328	10	,	,	PUNCT
ejif-4307	328	11	h.	h.	PROPN
ejif-4307	328	12	m.	m.	PROPN
ejif-4307	328	13	t.	t.	PROPN
ejif-4307	328	14	(	(	PUNCT
ejif-4307	328	15	2014	2014	NUM
ejif-4307	328	16	)	)	PUNCT
ejif-4307	328	17	.	.	PUNCT
ejif-4307	329	1	dynamic	dynamic	ADJ
ejif-4307	329	2	causal	causal	NOUN
ejif-4307	329	3	relationship	relationship	NOUN
ejif-4307	329	4	between	between	ADP
ejif-4307	329	5	islamic	islamic	ADJ
ejif-4307	329	6	banking	banking	NOUN
ejif-4307	329	7	and	and	CCONJ
ejif-4307	329	8	economic	economic	ADJ
ejif-4307	329	9	growth	growth	NOUN
ejif-4307	329	10	:	:	PUNCT
ejif-4307	329	11	malaysian	malaysian	ADJ
ejif-4307	329	12	evidence	evidence	NOUN
ejif-4307	329	13	.	.	PUNCT
ejif-4307	330	1	european	european	ADJ
ejif-4307	330	2	journal	journal	PROPN
ejif-4307	330	3	of	of	ADP
ejif-4307	330	4	islamic	islamic	PROPN
ejif-4307	330	5	finance	finance	NOUN
ejif-4307	330	6	,	,	PUNCT
ejif-4307	330	7	8	8	NUM
ejif-4307	330	8	,	,	PUNCT
ejif-4307	330	9	1–11	1–11	NOUN
ejif-4307	330	10	.	.	PUNCT
ejif-4307	331	1	[	[	X
ejif-4307	331	2	33	33	NUM
ejif-4307	331	3	]	]	X
ejif-4307	331	4	khan	khan	PROPN
ejif-4307	331	5	,	,	PUNCT
ejif-4307	331	6	f.	f.	PROPN
ejif-4307	331	7	(	(	PUNCT
ejif-4307	331	8	2010	2010	NUM
ejif-4307	331	9	)	)	PUNCT
ejif-4307	331	10	.	.	PUNCT
ejif-4307	332	1	how	how	SCONJ
ejif-4307	332	2	„	„	PUNCT
ejif-4307	332	3	islamic	islamic	PROPN
ejif-4307	332	4	‟	‟	PROPN
ejif-4307	332	5	is	be	AUX
ejif-4307	332	6	islamic	islamic	ADJ
ejif-4307	332	7	banking	banking	NOUN
ejif-4307	332	8	 	 	SPACE
ejif-4307	332	9	?	?	PUNCT
ejif-4307	333	1	journal	journal	NOUN
ejif-4307	333	2	of	of	ADP
ejif-4307	333	3	economic	economic	ADJ
ejif-4307	333	4	behavior	behavior	NOUN
ejif-4307	333	5	&	&	CCONJ
ejif-4307	333	6	organization	organization	PROPN
ejif-4307	333	7	,	,	PUNCT
ejif-4307	333	8	76	76	NUM
ejif-4307	333	9	,	,	PUNCT
ejif-4307	333	10	805–820	805–820	NUM
ejif-4307	333	11	.	.	PUNCT
ejif-4307	334	1	https://doi.org/10.1016/j.jebo.2010.09.01	https://doi.org/10.1016/j.jebo.2010.09.01	PROPN
ejif-4307	334	2	5	5	NUM
ejif-4307	334	3	[	[	SYM
ejif-4307	334	4	34	34	NUM
ejif-4307	334	5	]	]	X
ejif-4307	334	6	khan	khan	PROPN
ejif-4307	334	7	,	,	PUNCT
ejif-4307	334	8	m.	m.	NOUN
ejif-4307	334	9	m.	m.	NOUN
ejif-4307	334	10	(	(	PUNCT
ejif-4307	334	11	2016	2016	NUM
ejif-4307	334	12	)	)	PUNCT
ejif-4307	334	13	.	.	PUNCT
ejif-4307	335	1	csr	csr	NOUN
ejif-4307	335	2	standards	standard	NOUN
ejif-4307	335	3	and	and	CCONJ
ejif-4307	335	4	islamic	islamic	ADJ
ejif-4307	335	5	banknig	banknig	NOUN
ejif-4307	335	6	practice	practice	NOUN
ejif-4307	335	7	:	:	PUNCT
ejif-4307	335	8	a	a	DET
ejif-4307	335	9	case	case	NOUN
ejif-4307	335	10	of	of	ADP
ejif-4307	335	11	meezan	meezan	PROPN
ejif-4307	335	12	bank	bank	PROPN
ejif-4307	335	13	of	of	ADP
ejif-4307	335	14	pakistan	pakistan	PROPN
ejif-4307	335	15	.	.	PUNCT
ejif-4307	336	1	the	the	DET
ejif-4307	336	2	journal	journal	NOUN
ejif-4307	336	3	of	of	ADP
ejif-4307	336	4	developing	develop	VERB
ejif-4307	336	5	areas	area	NOUN
ejif-4307	336	6	,	,	PUNCT
ejif-4307	336	7	50(5	50(5	NUM
ejif-4307	336	8	)	)	PUNCT
ejif-4307	336	9	,	,	PUNCT
ejif-4307	336	10	295–306	295–306	NUM
ejif-4307	336	11	.	.	PUNCT
ejif-4307	337	1	https://doi.org/10.1353/jda.2016.0046	https://doi.org/10.1353/jda.2016.0046	NOUN
ejif-4307	337	2	[	[	X
ejif-4307	337	3	35	35	NUM
ejif-4307	337	4	]	]	X
ejif-4307	337	5	kitamura	kitamura	PROPN
ejif-4307	337	6	,	,	PUNCT
ejif-4307	337	7	h.	h.	PROPN
ejif-4307	337	8	(	(	PUNCT
ejif-4307	337	9	2019	2019	NUM
ejif-4307	337	10	)	)	PUNCT
ejif-4307	337	11	.	.	PUNCT
ejif-4307	338	1	who	who	PRON
ejif-4307	338	2	pioneered	pioneer	VERB
ejif-4307	338	3	islamic	islamic	ADJ
ejif-4307	338	4	banking	banking	NOUN
ejif-4307	338	5	in	in	ADP
ejif-4307	338	6	malaysia	malaysia	PROPN
ejif-4307	338	7	?	?	PUNCT
ejif-4307	339	1	the	the	DET
ejif-4307	339	2	background	background	NOUN
ejif-4307	339	3	of	of	ADP
ejif-4307	339	4	the	the	DET
ejif-4307	339	5	pioneers	pioneer	NOUN
ejif-4307	339	6	of	of	ADP
ejif-4307	339	7	bank	bank	PROPN
ejif-4307	339	8	islam	islam	PROPN
ejif-4307	339	9	malaysia	malaysia	PROPN
ejif-4307	339	10	berhad	berhad	PROPN
ejif-4307	339	11	.	.	PUNCT
ejif-4307	340	1	contemporary	contemporary	PROPN
ejif-4307	340	2	islam	islam	PROPN
ejif-4307	340	3	,	,	PUNCT
ejif-4307	340	4	14(1	14(1	NUM
ejif-4307	340	5	)	)	PUNCT
ejif-4307	340	6	,	,	PUNCT
ejif-4307	340	7	75–93	75–93	NUM
ejif-4307	340	8	.	.	PUNCT
ejif-4307	341	1	https://doi.org/10.1007/s11562-01900443-w	https://doi.org/10.1007/s11562-01900443-w	NOUN
ejif-4307	342	1	[	[	X
ejif-4307	342	2	36	36	NUM
ejif-4307	342	3	]	]	X
ejif-4307	342	4	kunhibava	kunhibava	NOUN
ejif-4307	342	5	,	,	PUNCT
ejif-4307	342	6	s.	s.	PROPN
ejif-4307	342	7	(	(	PUNCT
ejif-4307	342	8	2012	2012	NUM
ejif-4307	342	9	)	)	PUNCT
ejif-4307	342	10	.	.	PUNCT
ejif-4307	343	1	islamic	islamic	ADJ
ejif-4307	343	2	banking	banking	PROPN
ejif-4307	343	3	in	in	ADP
ejif-4307	343	4	malaysia	malaysia	PROPN
ejif-4307	343	5	.	.	PUNCT
ejif-4307	344	1	international	international	ADJ
ejif-4307	344	2	journal	journal	PROPN
ejif-4307	344	3	of	of	ADP
ejif-4307	344	4	legal	legal	ADJ
ejif-4307	344	5	information	information	NOUN
ejif-4307	344	6	spring	spring	NOUN
ejif-4307	344	7	,	,	PUNCT
ejif-4307	344	8	40(january	40(january	NUM
ejif-4307	344	9	2012	2012	NUM
ejif-4307	344	10	)	)	PUNCT
ejif-4307	344	11	,	,	PUNCT
ejif-4307	344	12	1–10	1–10	NOUN
ejif-4307	344	13	.	.	PUNCT
ejif-4307	345	1	https://doi.org/10.1017/s0731126500006	https://doi.org/10.1017/s0731126500006	NUM
ejif-4307	345	2	478	478	NUM
ejif-4307	345	3	[	[	X
ejif-4307	345	4	37	37	NUM
ejif-4307	345	5	]	]	X
ejif-4307	345	6	kunhibava	kunhibava	NOUN
ejif-4307	345	7	,	,	PUNCT
ejif-4307	345	8	s.	s.	PROPN
ejif-4307	345	9	,	,	PUNCT
ejif-4307	345	10	linga	linga	PROPN
ejif-4307	345	11	,	,	PUNCT
ejif-4307	345	12	s.	s.	PROPN
ejif-4307	345	13	t.	t.	PROPN
ejif-4307	345	14	y.	y.	PROPN
ejif-4307	345	15	,	,	PUNCT
ejif-4307	345	16	&	&	CCONJ
ejif-4307	345	17	ruslan	ruslan	PROPN
ejif-4307	345	18	,	,	PUNCT
ejif-4307	345	19	m.	m.	PROPN
ejif-4307	345	20	k.	k.	PROPN
ejif-4307	345	21	(	(	PUNCT
ejif-4307	345	22	2018	2018	NUM
ejif-4307	345	23	)	)	PUNCT
ejif-4307	345	24	.	.	PUNCT
ejif-4307	346	1	sustainable	sustainable	ADJ
ejif-4307	346	2	financing	financing	NOUN
ejif-4307	346	3	and	and	CCONJ
ejif-4307	346	4	enhancing	enhance	VERB
ejif-4307	346	5	the	the	DET
ejif-4307	346	6	role	role	NOUN
ejif-4307	346	7	of	of	ADP
ejif-4307	346	8	islamic	islamic	ADJ
ejif-4307	346	9	banks	bank	NOUN
ejif-4307	346	10	in	in	ADP
ejif-4307	346	11	malaysia	malaysia	PROPN
ejif-4307	346	12	.	.	PUNCT
ejif-4307	347	1	arab	arab	PROPN
ejif-4307	347	2	law	law	PROPN
ejif-4307	347	3	quarterly	quarterly	ADV
ejif-4307	347	4	,	,	PUNCT
ejif-4307	347	5	32	32	NUM
ejif-4307	347	6	,	,	PUNCT
ejif-4307	347	7	129–157	129–157	NUM
ejif-4307	347	8	.	.	PUNCT
ejif-4307	348	1	https://doi.org/10.1163/1573025512322023	https://doi.org/10.1163/1573025512322023	X
ejif-4307	349	1	[	[	X
ejif-4307	349	2	38	38	NUM
ejif-4307	349	3	]	]	PUNCT
ejif-4307	349	4	kuran	kuran	NOUN
ejif-4307	349	5	,	,	PUNCT
ejif-4307	349	6	t.	t.	PROPN
ejif-4307	349	7	(	(	PUNCT
ejif-4307	349	8	2004	2004	NUM
ejif-4307	349	9	)	)	PUNCT
ejif-4307	349	10	.	.	PUNCT
ejif-4307	350	1	islam	islam	PROPN
ejif-4307	350	2	and	and	CCONJ
ejif-4307	350	3	mammon	mammon	PROPN
ejif-4307	350	4	:	:	PUNCT
ejif-4307	350	5	the	the	DET
ejif-4307	350	6	economic	economic	ADJ
ejif-4307	350	7	predicaments	predicament	NOUN
ejif-4307	350	8	of	of	ADP
ejif-4307	350	9	islamism	islamism	PROPN
ejif-4307	350	10	.	.	PUNCT
ejif-4307	351	1	new	new	PROPN
ejif-4307	351	2	jersey	jersey	PROPN
ejif-4307	351	3	:	:	PUNCT
ejif-4307	351	4	princeton	princeton	PROPN
ejif-4307	351	5	university	university	PROPN
ejif-4307	351	6	press	press	NOUN
ejif-4307	351	7	.	.	PUNCT
ejif-4307	352	1	[	[	X
ejif-4307	352	2	39	39	NUM
ejif-4307	352	3	]	]	X
ejif-4307	352	4	lee	lee	PROPN
ejif-4307	352	5	,	,	PUNCT
ejif-4307	352	6	b.	b.	PROPN
ejif-4307	352	7	,	,	PUNCT
ejif-4307	352	8	collier	collier	NOUN
ejif-4307	352	9	,	,	PUNCT
ejif-4307	352	10	p.	p.	NOUN
ejif-4307	352	11	m.	m.	NOUN
ejif-4307	352	12	,	,	PUNCT
ejif-4307	352	13	&	&	CCONJ
ejif-4307	352	14	cullen	cullen	PROPN
ejif-4307	352	15	,	,	PUNCT
ejif-4307	352	16	j.	j.	PROPN
ejif-4307	352	17	(	(	PUNCT
ejif-4307	352	18	2007	2007	NUM
ejif-4307	352	19	)	)	PUNCT
ejif-4307	352	20	.	.	PUNCT
ejif-4307	353	1	reflections	reflection	NOUN
ejif-4307	353	2	on	on	ADP
ejif-4307	353	3	the	the	DET
ejif-4307	353	4	use	use	NOUN
ejif-4307	353	5	of	of	ADP
ejif-4307	353	6	case	case	NOUN
ejif-4307	353	7	studies	study	NOUN
ejif-4307	353	8	in	in	ADP
ejif-4307	353	9	the	the	DET
ejif-4307	353	10	accounting	accounting	NOUN
ejif-4307	353	11	,	,	PUNCT
ejif-4307	353	12	management	management	NOUN
ejif-4307	353	13	and	and	CCONJ
ejif-4307	353	14	organizational	organizational	ADJ
ejif-4307	353	15	disciplines	discipline	NOUN
ejif-4307	353	16	.	.	PUNCT
ejif-4307	354	1	qualitative	qualitative	ADJ
ejif-4307	354	2	research	research	NOUN
ejif-4307	354	3	in	in	ADP
ejif-4307	354	4	organizations	organization	NOUN
ejif-4307	354	5	and	and	CCONJ
ejif-4307	354	6	management	management	NOUN
ejif-4307	354	7	,	,	PUNCT
ejif-4307	354	8	2(3	2(3	NUM
ejif-4307	354	9	)	)	PUNCT
ejif-4307	354	10	,	,	PUNCT
ejif-4307	354	11	169–178	169–178	NUM
ejif-4307	354	12	.	.	PUNCT
ejif-4307	355	1	https://doi.org/10.1108/17465640710835	https://doi.org/10.1108/17465640710835	NOUN
ejif-4307	355	2	337	337	NUM
ejif-4307	356	1	[	[	X
ejif-4307	356	2	40	40	NUM
ejif-4307	356	3	]	]	SYM
ejif-4307	356	4	li	li	PROPN
ejif-4307	356	5	,	,	PUNCT
ejif-4307	356	6	b.	b.	PROPN
ejif-4307	356	7	,	,	PUNCT
ejif-4307	356	8	ee	ee	PROPN
ejif-4307	356	9	,	,	PUNCT
ejif-4307	356	10	m.	m.	PROPN
ejif-4307	356	11	s.	s.	PROPN
ejif-4307	356	12	,	,	PUNCT
ejif-4307	356	13	boo	boo	VERB
ejif-4307	356	14	,	,	PUNCT
ejif-4307	356	15	y.	y.	PROPN
ejif-4307	356	16	l.	l.	PROPN
ejif-4307	356	17	,	,	PUNCT
ejif-4307	356	18	&	&	CCONJ
ejif-4307	356	19	rashid	rashid	PROPN
ejif-4307	356	20	,	,	PUNCT
ejif-4307	356	21	m.	m.	NOUN
ejif-4307	356	22	(	(	PUNCT
ejif-4307	356	23	2016	2016	NUM
ejif-4307	356	24	)	)	PUNCT
ejif-4307	356	25	.	.	PUNCT
ejif-4307	357	1	islamic	islamic	ADJ
ejif-4307	357	2	or	or	CCONJ
ejif-4307	357	3	conventional	conventional	ADJ
ejif-4307	357	4	mutual	mutual	ADJ
ejif-4307	357	5	funds	fund	NOUN
ejif-4307	357	6	:	:	PUNCT
ejif-4307	357	7	who	who	PRON
ejif-4307	357	8	has	have	VERB
ejif-4307	357	9	the	the	DET
ejif-4307	357	10	upper	upper	ADJ
ejif-4307	357	11	hand	hand	NOUN
ejif-4307	357	12	?	?	PUNCT
ejif-4307	358	1	evidence	evidence	NOUN
ejif-4307	358	2	from	from	ADP
ejif-4307	358	3	malaysia	malaysia	PROPN
ejif-4307	358	4	.	.	PUNCT
ejif-4307	359	1	pacific	pacific	ADJ
ejif-4307	359	2	-	-	PUNCT
ejif-4307	359	3	basin	basin	NOUN
ejif-4307	359	4	finance	finance	NOUN
ejif-4307	359	5	journal	journal	NOUN
ejif-4307	359	6	,	,	PUNCT
ejif-4307	359	7	1–14	1–14	PROPN
ejif-4307	359	8	.	.	PUNCT
ejif-4307	360	1	https://doi.org/10.1016/j.pacfin.2016.01	https://doi.org/10.1016/j.pacfin.2016.01	PROPN
ejif-4307	360	2	.	.	PUNCT
ejif-4307	361	1	004	004	NUM
ejif-4307	362	1	[	[	X
ejif-4307	362	2	41	41	NUM
ejif-4307	362	3	]	]	X
ejif-4307	362	4	lo	lo	PROPN
ejif-4307	362	5	,	,	PUNCT
ejif-4307	362	6	c.	c.	PROPN
ejif-4307	362	7	w.	w.	PROPN
ejif-4307	362	8	,	,	PUNCT
ejif-4307	362	9	&	&	CCONJ
ejif-4307	362	10	leow	leow	PROPN
ejif-4307	362	11	,	,	PUNCT
ejif-4307	362	12	c.	c.	PROPN
ejif-4307	362	13	s.	s.	PROPN
ejif-4307	362	14	(	(	PUNCT
ejif-4307	362	15	2014	2014	NUM
ejif-4307	362	16	)	)	PUNCT
ejif-4307	362	17	.	.	PUNCT
ejif-4307	363	1	islamic	islamic	ADJ
ejif-4307	363	2	banking	banking	PROPN
ejif-4307	363	3	in	in	ADP
ejif-4307	363	4	malaysia	malaysia	PROPN
ejif-4307	363	5	 	 	SPACE
ejif-4307	363	6	:	:	PUNCT
ejif-4307	363	7	a	a	DET
ejif-4307	363	8	sustainable	sustainable	ADJ
ejif-4307	363	9	growth	growth	NOUN
ejif-4307	363	10	of	of	ADP
ejif-4307	363	11	the	the	DET
ejif-4307	363	12	consumer	consumer	NOUN
ejif-4307	363	13	market	market	NOUN
ejif-4307	363	14	.	.	PUNCT
ejif-4307	364	1	international	international	ADJ
ejif-4307	364	2	journal	journal	PROPN
ejif-4307	364	3	of	of	ADP
ejif-4307	364	4	trade	trade	NOUN
ejif-4307	364	5	,	,	PUNCT
ejif-4307	364	6	economics	economic	NOUN
ejif-4307	364	7	and	and	CCONJ
ejif-4307	364	8	finance	finance	NOUN
ejif-4307	364	9	,	,	PUNCT
ejif-4307	364	10	5(6	5(6	NUM
ejif-4307	364	11	)	)	PUNCT
ejif-4307	364	12	,	,	PUNCT
ejif-4307	364	13	526–529	526–529	NUM
ejif-4307	364	14	.	.	PUNCT
ejif-4307	365	1	https://doi.org/10.7763/ijtef.2014.v5.4	https://doi.org/10.7763/ijtef.2014.v5.4	NOUN
ejif-4307	365	2	27	27	NUM
ejif-4307	366	1	[	[	X
ejif-4307	366	2	42	42	NUM
ejif-4307	366	3	]	]	X
ejif-4307	366	4	lone	lone	PROPN
ejif-4307	366	5	,	,	PUNCT
ejif-4307	366	6	f.	f.	PROPN
ejif-4307	366	7	a.	a.	PROPN
ejif-4307	366	8	,	,	PUNCT
ejif-4307	366	9	&	&	CCONJ
ejif-4307	366	10	ahmad	ahmad	PROPN
ejif-4307	366	11	,	,	PUNCT
ejif-4307	366	12	s.	s.	PROPN
ejif-4307	366	13	(	(	PUNCT
ejif-4307	366	14	2017	2017	NUM
ejif-4307	366	15	)	)	PUNCT
ejif-4307	366	16	.	.	PUNCT
ejif-4307	367	1	islamic	islamic	PROPN
ejif-4307	367	2	finance	finance	PROPN
ejif-4307	367	3	 	 	SPACE
ejif-4307	367	4	:	:	PUNCT
ejif-4307	367	5	more	more	ADJ
ejif-4307	367	6	expectations	expectation	NOUN
ejif-4307	367	7	and	and	CCONJ
ejif-4307	367	8	less	less	ADJ
ejif-4307	367	9	disappointment	disappointment	NOUN
ejif-4307	367	10	.	.	PUNCT
ejif-4307	368	1	investment	investment	NOUN
ejif-4307	368	2	management	management	NOUN
ejif-4307	368	3	and	and	CCONJ
ejif-4307	368	4	financial	financial	ADJ
ejif-4307	368	5	innovations	innovation	NOUN
ejif-4307	368	6	,	,	PUNCT
ejif-4307	368	7	14(134–141	14(134–141	NUM
ejif-4307	368	8	)	)	PUNCT
ejif-4307	368	9	.	.	PUNCT
ejif-4307	369	1	https://doi.org/10.21511/imfi.14(1).2017	https://doi.org/10.21511/imfi.14(1).2017	PROPN
ejif-4307	369	2	.	.	PUNCT
ejif-4307	370	1	14	14	NUM
ejif-4307	371	1	[	[	SYM
ejif-4307	371	2	43	43	NUM
ejif-4307	371	3	]	]	X
ejif-4307	371	4	louhichi	louhichi	PROPN
ejif-4307	371	5	,	,	PUNCT
ejif-4307	371	6	a.	a.	PROPN
ejif-4307	371	7	,	,	PUNCT
ejif-4307	371	8	louati	louati	PROPN
ejif-4307	371	9	,	,	PUNCT
ejif-4307	371	10	s.	s.	PROPN
ejif-4307	371	11	,	,	PUNCT
ejif-4307	371	12	&	&	CCONJ
ejif-4307	371	13	boujelbene	boujelbene	PROPN
ejif-4307	371	14	,	,	PUNCT
ejif-4307	371	15	y.	y.	PROPN
ejif-4307	371	16	(	(	PUNCT
ejif-4307	371	17	2019	2019	NUM
ejif-4307	371	18	)	)	PUNCT
ejif-4307	371	19	.	.	PUNCT
ejif-4307	372	1	the	the	DET
ejif-4307	372	2	regulations	regulation	NOUN
ejif-4307	372	3	–	–	PUNCT
ejif-4307	372	4	risk	risk	NOUN
ejif-4307	372	5	taking	take	VERB
ejif-4307	372	6	nexus	nexus	NOUN
ejif-4307	372	7	under	under	ADP
ejif-4307	372	8	competitive	competitive	ADJ
ejif-4307	372	9	pressure	pressure	NOUN
ejif-4307	372	10	:	:	PUNCT
ejif-4307	372	11	what	what	PRON
ejif-4307	372	12	about	about	ADP
ejif-4307	372	13	the	the	DET
ejif-4307	372	14	islamic	islamic	ADJ
ejif-4307	372	15	banking	banking	NOUN
ejif-4307	372	16	system	system	NOUN
ejif-4307	372	17	?	?	PUNCT
ejif-4307	373	1	research	research	NOUN
ejif-4307	373	2	in	in	ADP
ejif-4307	373	3	international	international	ADJ
ejif-4307	373	4	business	business	NOUN
ejif-4307	373	5	and	and	CCONJ
ejif-4307	373	6	finance	finance	NOUN
ejif-4307	373	7	,	,	PUNCT
ejif-4307	373	8	18	18	NUM
ejif-4307	373	9	.	.	PUNCT
ejif-4307	374	1	https://doi.org/10.1016/j.ribaf.2019.1010	https://doi.org/10.1016/j.ribaf.2019.1010	NOUN
ejif-4307	374	2	74	74	NUM
ejif-4307	374	3	[	[	SYM
ejif-4307	374	4	44	44	NUM
ejif-4307	374	5	]	]	X
ejif-4307	374	6	mahmood	mahmood	PROPN
ejif-4307	374	7	,	,	PUNCT
ejif-4307	374	8	s.	s.	PROPN
ejif-4307	374	9	a.	a.	PROPN
ejif-4307	374	10	i.	i.	PROPN
ejif-4307	374	11	(	(	PUNCT
ejif-4307	374	12	2010	2010	NUM
ejif-4307	374	13	)	)	PUNCT
ejif-4307	374	14	.	.	PUNCT
ejif-4307	375	1	public	public	ADJ
ejif-4307	375	2	procurement	procurement	NOUN
ejif-4307	375	3	and	and	CCONJ
ejif-4307	375	4	corruption	corruption	NOUN
ejif-4307	375	5	in	in	ADP
ejif-4307	375	6	bangladesh	bangladesh	NOUN
ejif-4307	375	7	confronting	confront	VERB
ejif-4307	375	8	the	the	DET
ejif-4307	375	9	challenges	challenge	NOUN
ejif-4307	375	10	and	and	CCONJ
ejif-4307	375	11	opportunities	opportunity	NOUN
ejif-4307	375	12	.	.	PUNCT
ejif-4307	376	1	journal	journal	NOUN
ejif-4307	376	2	of	of	ADP
ejif-4307	376	3	public	public	ADJ
ejif-4307	376	4	administration	administration	NOUN
ejif-4307	376	5	and	and	CCONJ
ejif-4307	376	6	policy	policy	NOUN
ejif-4307	376	7	research	research	NOUN
ejif-4307	376	8	,	,	PUNCT
ejif-4307	376	9	2(6	2(6	NUM
ejif-4307	376	10	)	)	PUNCT
ejif-4307	376	11	,	,	PUNCT
ejif-4307	376	12	103–111	103–111	NUM
ejif-4307	376	13	.	.	PUNCT
ejif-4307	377	1	[	[	X
ejif-4307	377	2	45	45	NUM
ejif-4307	377	3	]	]	X
ejif-4307	377	4	majid	majid	PROPN
ejif-4307	377	5	,	,	PUNCT
ejif-4307	377	6	a.	a.	NOUN
ejif-4307	377	7	a.	a.	PROPN
ejif-4307	377	8	,	,	PUNCT
ejif-4307	377	9	samsudin	samsudin	NOUN
ejif-4307	377	10	,	,	PUNCT
ejif-4307	377	11	m.	m.	NOUN
ejif-4307	377	12	a.	a.	PROPN
ejif-4307	377	13	,	,	PUNCT
ejif-4307	377	14	laton	laton	PROPN
ejif-4307	377	15	,	,	PUNCT
ejif-4307	377	16	m.	m.	NOUN
ejif-4307	377	17	z.	z.	PROPN
ejif-4307	377	18	,	,	PUNCT
ejif-4307	377	19	&	&	CCONJ
ejif-4307	377	20	aziz	aziz	PROPN
ejif-4307	377	21	,	,	PUNCT
ejif-4307	377	22	n.	n.	PROPN
ejif-4307	377	23	n.	n.	PROPN
ejif-4307	377	24	a.	a.	PROPN
ejif-4307	377	25	(	(	PUNCT
ejif-4307	377	26	2016	2016	NUM
ejif-4307	377	27	)	)	PUNCT
ejif-4307	377	28	.	.	PUNCT
ejif-4307	378	1	islamic	islamic	ADJ
ejif-4307	378	2	finances	finance	NOUN
ejif-4307	378	3	growth	growth	NOUN
ejif-4307	378	4	in	in	ADP
ejif-4307	378	5	malaysia	malaysia	PROPN
ejif-4307	378	6	 	 	SPACE
ejif-4307	378	7	:	:	PUNCT
ejif-4307	378	8	the	the	DET
ejif-4307	378	9	challenges	challenge	NOUN
ejif-4307	378	10	.	.	PUNCT
ejif-4307	379	1	konaka	konaka	PROPN
ejif-4307	379	2	,	,	PUNCT
ejif-4307	379	3	(	(	PUNCT
ejif-4307	379	4	july	july	PROPN
ejif-4307	379	5	)	)	PUNCT
ejif-4307	379	6	,	,	PUNCT
ejif-4307	379	7	327–332	327–332	NUM
ejif-4307	379	8	.	.	PUNCT
ejif-4307	380	1	[	[	X
ejif-4307	380	2	46	46	NUM
ejif-4307	380	3	]	]	X
ejif-4307	380	4	mallin	mallin	PROPN
ejif-4307	380	5	,	,	PUNCT
ejif-4307	380	6	c.	c.	PROPN
ejif-4307	380	7	,	,	PUNCT
ejif-4307	380	8	farag	farag	PROPN
ejif-4307	380	9	,	,	PUNCT
ejif-4307	380	10	h.	h.	PROPN
ejif-4307	380	11	,	,	PUNCT
ejif-4307	380	12	&	&	CCONJ
ejif-4307	380	13	ow	ow	PROPN
ejif-4307	380	14	-	-	PUNCT
ejif-4307	380	15	yong	yong	PROPN
ejif-4307	380	16	,	,	PUNCT
ejif-4307	380	17	k.	k.	PROPN
ejif-4307	380	18	(	(	PUNCT
ejif-4307	380	19	2014	2014	NUM
ejif-4307	380	20	)	)	PUNCT
ejif-4307	380	21	.	.	PUNCT
ejif-4307	381	1	corporate	corporate	ADJ
ejif-4307	381	2	social	social	ADJ
ejif-4307	381	3	responsibility	responsibility	NOUN
ejif-4307	381	4	and	and	CCONJ
ejif-4307	381	5	financial	financial	ADJ
ejif-4307	381	6	performance	performance	NOUN
ejif-4307	381	7	in	in	ADP
ejif-4307	381	8	islamic	islamic	ADJ
ejif-4307	381	9	banks	bank	NOUN
ejif-4307	381	10	.	.	PUNCT
ejif-4307	382	1	journal	journal	PROPN
ejif-4307	382	2	of	of	ADP
ejif-4307	382	3	economic	economic	ADJ
ejif-4307	382	4	behavior	behavior	NOUN
ejif-4307	382	5	and	and	CCONJ
ejif-4307	382	6	organization	organization	NOUN
ejif-4307	382	7	,	,	PUNCT
ejif-4307	382	8	103(march	103(march	NUM
ejif-4307	382	9	2013	2013	NUM
ejif-4307	382	10	)	)	PUNCT
ejif-4307	382	11	,	,	PUNCT
ejif-4307	382	12	s21	s21	NOUN
ejif-4307	382	13	–	–	PUNCT
ejif-4307	382	14	s38	s38	NOUN
ejif-4307	382	15	.	.	PUNCT
ejif-4307	383	1	https://doi.org/10.1016/j.jebo.2014.03.00	https://doi.org/10.1016/j.jebo.2014.03.00	PROPN
ejif-4307	383	2	1	1	NUM
ejif-4307	383	3	[	[	X
ejif-4307	383	4	47	47	NUM
ejif-4307	383	5	]	]	PUNCT
ejif-4307	383	6	mohamed	mohamed	PROPN
ejif-4307	383	7	,	,	PUNCT
ejif-4307	383	8	h.	h.	PROPN
ejif-4307	383	9	(	(	PUNCT
ejif-4307	383	10	2019	2019	NUM
ejif-4307	383	11	)	)	PUNCT
ejif-4307	383	12	.	.	PUNCT
ejif-4307	384	1	investigating	investigate	VERB
ejif-4307	384	2	fairness	fairness	NOUN
ejif-4307	384	3	in	in	ADP
ejif-4307	384	4	economic	economic	ADJ
ejif-4307	384	5	transactions	transaction	NOUN
ejif-4307	384	6	 	 	SPACE
ejif-4307	384	7	:	:	PUNCT
ejif-4307	384	8	ejif	ejif	PROPN
ejif-4307	384	9	–	–	PUNCT
ejif-4307	384	10	european	european	PROPN
ejif-4307	384	11	journal	journal	PROPN
ejif-4307	384	12	of	of	ADP
ejif-4307	384	13	islamic	islamic	PROPN
ejif-4307	384	14	finance	finance	PROPN
ejif-4307	384	15	no15	no15	PROPN
ejif-4307	384	16	,	,	PUNCT
ejif-4307	384	17	august	august	PROPN
ejif-4307	384	18	(	(	PUNCT
ejif-4307	384	19	2020	2020	NUM
ejif-4307	384	20	)	)	PUNCT
ejif-4307	385	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	385	2	issn	issn	VERB
ejif-4307	385	3	2421	2421	NUM
ejif-4307	385	4	-	-	SYM
ejif-4307	385	5	2172	2172	NUM
ejif-4307	385	6	10	10	NUM
ejif-4307	385	7	evidence	evidence	NOUN
ejif-4307	385	8	in	in	ADP
ejif-4307	385	9	belief	belief	NOUN
ejif-4307	385	10	systems	system	NOUN
ejif-4307	385	11	*	*	PUNCT
ejif-4307	385	12	.	.	PUNCT
ejif-4307	386	1	international	international	ADJ
ejif-4307	386	2	journal	journal	PROPN
ejif-4307	386	3	of	of	ADP
ejif-4307	386	4	islamic	islamic	ADJ
ejif-4307	386	5	economics	economic	NOUN
ejif-4307	386	6	and	and	CCONJ
ejif-4307	386	7	finance	finance	NOUN
ejif-4307	386	8	,	,	PUNCT
ejif-4307	386	9	1(2	1(2	NUM
ejif-4307	386	10	)	)	PUNCT
ejif-4307	386	11	,	,	PUNCT
ejif-4307	386	12	123–144	123–144	NUM
ejif-4307	386	13	.	.	PUNCT
ejif-4307	387	1	https://doi.org/10.18196/ijief.127	https://doi.org/10.18196/ijief.127	NOUN
ejif-4307	388	1	[	[	X
ejif-4307	388	2	48	48	NUM
ejif-4307	388	3	]	]	SYM
ejif-4307	388	4	mushtaq	mushtaq	PROPN
ejif-4307	388	5	,	,	PUNCT
ejif-4307	388	6	s.	s.	PROPN
ejif-4307	388	7	,	,	PUNCT
ejif-4307	388	8	&	&	CCONJ
ejif-4307	388	9	siddiqui	siddiqui	PROPN
ejif-4307	388	10	,	,	PUNCT
ejif-4307	388	11	d.	d.	PROPN
ejif-4307	388	12	a.	a.	PROPN
ejif-4307	388	13	(	(	PUNCT
ejif-4307	388	14	2017	2017	NUM
ejif-4307	388	15	)	)	PUNCT
ejif-4307	388	16	.	.	PUNCT
ejif-4307	389	1	effect	effect	NOUN
ejif-4307	389	2	of	of	ADP
ejif-4307	389	3	interest	interest	NOUN
ejif-4307	389	4	rate	rate	NOUN
ejif-4307	389	5	on	on	ADP
ejif-4307	389	6	bank	bank	NOUN
ejif-4307	389	7	deposits	deposit	NOUN
ejif-4307	389	8	 	 	SPACE
ejif-4307	390	1	:	:	PUNCT
ejif-4307	390	2	evidences	evidence	NOUN
ejif-4307	390	3	from	from	ADP
ejif-4307	390	4	islamic	islamic	ADJ
ejif-4307	390	5	and	and	CCONJ
ejif-4307	390	6	non	non	ADJ
ejif-4307	390	7	-	-	ADJ
ejif-4307	390	8	islamic	islamic	ADJ
ejif-4307	390	9	economies	economy	NOUN
ejif-4307	390	10	.	.	PUNCT
ejif-4307	391	1	future	future	ADJ
ejif-4307	391	2	business	business	NOUN
ejif-4307	391	3	journal	journal	NOUN
ejif-4307	391	4	,	,	PUNCT
ejif-4307	391	5	3(1	3(1	NUM
ejif-4307	391	6	)	)	PUNCT
ejif-4307	391	7	,	,	PUNCT
ejif-4307	391	8	1–8	1–8	X
ejif-4307	391	9	.	.	PUNCT
ejif-4307	392	1	https://doi.org/10.1016/j.fbj.2017.01.002	https://doi.org/10.1016/j.fbj.2017.01.002	PROPN
ejif-4307	393	1	[	[	X
ejif-4307	393	2	49	49	NUM
ejif-4307	393	3	]	]	X
ejif-4307	393	4	mustafa	mustafa	PROPN
ejif-4307	393	5	,	,	PUNCT
ejif-4307	393	6	o.	o.	PROPN
ejif-4307	393	7	a.	a.	NOUN
ejif-4307	393	8	o.	o.	PROPN
ejif-4307	393	9	(	(	PUNCT
ejif-4307	393	10	2019	2019	NUM
ejif-4307	393	11	)	)	PUNCT
ejif-4307	393	12	.	.	PUNCT
ejif-4307	394	1	assessment	assessment	NOUN
ejif-4307	394	2	of	of	ADP
ejif-4307	394	3	the	the	DET
ejif-4307	394	4	financial	financial	ADJ
ejif-4307	394	5	performance	performance	NOUN
ejif-4307	394	6	of	of	ADP
ejif-4307	394	7	islamic	islamic	ADJ
ejif-4307	394	8	commercial	commercial	ADJ
ejif-4307	394	9	banks	bank	NOUN
ejif-4307	394	10	in	in	ADP
ejif-4307	394	11	sudan	sudan	PROPN
ejif-4307	394	12	under	under	ADP
ejif-4307	394	13	credit	credit	NOUN
ejif-4307	394	14	risk	risk	NOUN
ejif-4307	394	15	and	and	CCONJ
ejif-4307	394	16	inflation	inflation	NOUN
ejif-4307	394	17	pressures	pressure	NOUN
ejif-4307	394	18	(	(	PUNCT
ejif-4307	394	19	1995	1995	NUM
ejif-4307	394	20	-	-	SYM
ejif-4307	394	21	2017	2017	NUM
ejif-4307	394	22	)	)	PUNCT
ejif-4307	394	23	.	.	PUNCT
ejif-4307	395	1	journal	journal	PROPN
ejif-4307	395	2	of	of	ADP
ejif-4307	395	3	islamic	islamic	PROPN
ejif-4307	395	4	banking	banking	NOUN
ejif-4307	395	5	and	and	CCONJ
ejif-4307	395	6	finance	finance	NOUN
ejif-4307	395	7	,	,	PUNCT
ejif-4307	395	8	7(1	7(1	NUM
ejif-4307	395	9	)	)	PUNCT
ejif-4307	395	10	,	,	PUNCT
ejif-4307	395	11	14–26	14–26	NUM
ejif-4307	395	12	.	.	PUNCT
ejif-4307	396	1	https://doi.org/10.15640/jibf.v7n1a2	https://doi.org/10.15640/jibf.v7n1a2	PROPN
ejif-4307	396	2	[	[	X
ejif-4307	396	3	50	50	NUM
ejif-4307	396	4	]	]	PUNCT
ejif-4307	396	5	naqvi	naqvi	NOUN
ejif-4307	396	6	,	,	PUNCT
ejif-4307	396	7	b.	b.	PROPN
ejif-4307	396	8	,	,	PUNCT
ejif-4307	396	9	rizvi	rizvi	PROPN
ejif-4307	396	10	,	,	PUNCT
ejif-4307	396	11	s.	s.	PROPN
ejif-4307	396	12	k.	k.	PROPN
ejif-4307	396	13	a.	a.	PROPN
ejif-4307	396	14	,	,	PUNCT
ejif-4307	396	15	uqaili	uqaili	PROPN
ejif-4307	396	16	,	,	PUNCT
ejif-4307	396	17	h.	h.	PROPN
ejif-4307	396	18	a.	a.	PROPN
ejif-4307	396	19	,	,	PUNCT
ejif-4307	396	20	&	&	CCONJ
ejif-4307	396	21	chaudhry	chaudhry	PROPN
ejif-4307	396	22	,	,	PUNCT
ejif-4307	396	23	s.	s.	PROPN
ejif-4307	396	24	m.	m.	PROPN
ejif-4307	396	25	(	(	PUNCT
ejif-4307	396	26	2017	2017	NUM
ejif-4307	396	27	)	)	PUNCT
ejif-4307	396	28	.	.	PUNCT
ejif-4307	397	1	what	what	PRON
ejif-4307	397	2	enables	enable	VERB
ejif-4307	397	3	islamic	islamic	ADJ
ejif-4307	397	4	banks	bank	NOUN
ejif-4307	397	5	to	to	PART
ejif-4307	397	6	contribute	contribute	VERB
ejif-4307	397	7	in	in	ADP
ejif-4307	397	8	global	global	ADJ
ejif-4307	397	9	financial	financial	ADJ
ejif-4307	397	10	reintermediation	reintermediation	NOUN
ejif-4307	397	11	?	?	PUNCT
ejif-4307	398	1	pacific	pacific	ADJ
ejif-4307	398	2	-	-	PUNCT
ejif-4307	398	3	basin	basin	NOUN
ejif-4307	398	4	finance	finance	NOUN
ejif-4307	398	5	journal	journal	NOUN
ejif-4307	398	6	,	,	PUNCT
ejif-4307	398	7	1–21	1–21	PROPN
ejif-4307	398	8	.	.	PUNCT
ejif-4307	399	1	https://doi.org/10.1016/j.pacfin.2017.12	https://doi.org/10.1016/j.pacfin.2017.12	PROPN
ejif-4307	399	2	.	.	NOUN
ejif-4307	399	3	001	001	NUM
ejif-4307	400	1	[	[	X
ejif-4307	400	2	51	51	NUM
ejif-4307	400	3	]	]	PUNCT
ejif-4307	400	4	narayan	narayan	NOUN
ejif-4307	400	5	,	,	PUNCT
ejif-4307	400	6	p.	p.	PROPN
ejif-4307	400	7	k.	k.	PROPN
ejif-4307	400	8	,	,	PUNCT
ejif-4307	400	9	rizvi	rizvi	PROPN
ejif-4307	400	10	,	,	PUNCT
ejif-4307	400	11	s.	s.	PROPN
ejif-4307	400	12	a.	a.	PROPN
ejif-4307	400	13	r.	r.	PROPN
ejif-4307	400	14	,	,	PUNCT
ejif-4307	400	15	sakti	sakti	PROPN
ejif-4307	400	16	,	,	PUNCT
ejif-4307	400	17	a.	a.	PROPN
ejif-4307	400	18	,	,	PUNCT
ejif-4307	400	19	&	&	CCONJ
ejif-4307	400	20	syarifuddin	syarifuddin	PROPN
ejif-4307	400	21	,	,	PUNCT
ejif-4307	400	22	f.	f.	PROPN
ejif-4307	400	23	(	(	PUNCT
ejif-4307	400	24	2019	2019	NUM
ejif-4307	400	25	)	)	PUNCT
ejif-4307	400	26	.	.	PUNCT
ejif-4307	401	1	role	role	NOUN
ejif-4307	401	2	of	of	ADP
ejif-4307	401	3	islamic	islamic	ADJ
ejif-4307	401	4	banks	bank	NOUN
ejif-4307	401	5	in	in	ADP
ejif-4307	401	6	indonesian	indonesian	ADJ
ejif-4307	401	7	banking	banking	NOUN
ejif-4307	401	8	industry	industry	NOUN
ejif-4307	401	9	:	:	PUNCT
ejif-4307	401	10	an	an	DET
ejif-4307	401	11	empirical	empirical	ADJ
ejif-4307	401	12	exploration	exploration	NOUN
ejif-4307	401	13	paresh	paresh	NOUN
ejif-4307	401	14	.	.	PUNCT
ejif-4307	402	1	pacificbasin	pacificbasin	PROPN
ejif-4307	402	2	finance	finance	PROPN
ejif-4307	402	3	journal	journal	PROPN
ejif-4307	402	4	,	,	PUNCT
ejif-4307	402	5	2–14	2–14	PROPN
ejif-4307	402	6	.	.	PUNCT
ejif-4307	403	1	https://doi.org/10.1016/j.pacfin.2019.02	https://doi.org/10.1016/j.pacfin.2019.02	PROPN
ejif-4307	403	2	.	.	PUNCT
ejif-4307	403	3	002	002	NUM
ejif-4307	404	1	[	[	X
ejif-4307	404	2	52	52	NUM
ejif-4307	404	3	]	]	PUNCT
ejif-4307	404	4	odeduntan	odeduntan	ADJ
ejif-4307	404	5	,	,	PUNCT
ejif-4307	404	6	a.	a.	PROPN
ejif-4307	404	7	k.	k.	PROPN
ejif-4307	404	8	,	,	PUNCT
ejif-4307	404	9	&	&	CCONJ
ejif-4307	404	10	adewale	adewale	PROPN
ejif-4307	404	11	,	,	PUNCT
ejif-4307	404	12	a.	a.	NOUN
ejif-4307	404	13	a.	a.	NOUN
ejif-4307	404	14	(	(	PUNCT
ejif-4307	404	15	2013	2013	NUM
ejif-4307	404	16	)	)	PUNCT
ejif-4307	404	17	.	.	PUNCT
ejif-4307	405	1	financial	financial	ADJ
ejif-4307	405	2	stability	stability	NOUN
ejif-4307	405	3	of	of	ADP
ejif-4307	405	4	islamic	islamic	ADJ
ejif-4307	405	5	banks	bank	NOUN
ejif-4307	405	6	:	:	PUNCT
ejif-4307	405	7	a	a	DET
ejif-4307	405	8	review	review	NOUN
ejif-4307	405	9	of	of	ADP
ejif-4307	405	10	the	the	DET
ejif-4307	405	11	literature	literature	NOUN
ejif-4307	405	12	.	.	PUNCT
ejif-4307	406	1	european	european	PROPN
ejif-4307	406	2	journal	journal	PROPN
ejif-4307	406	3	of	of	ADP
ejif-4307	406	4	islamic	islamic	PROPN
ejif-4307	406	5	finance	finance	NOUN
ejif-4307	406	6	,	,	PUNCT
ejif-4307	406	7	2	2	NUM
ejif-4307	406	8	,	,	PUNCT
ejif-4307	406	9	1–9	1–9	NOUN
ejif-4307	406	10	.	.	PUNCT
ejif-4307	407	1	[	[	X
ejif-4307	407	2	53	53	NUM
ejif-4307	407	3	]	]	X
ejif-4307	407	4	pikri	pikri	NOUN
ejif-4307	407	5	,	,	PUNCT
ejif-4307	407	6	e.	e.	PROPN
ejif-4307	407	7	(	(	PUNCT
ejif-4307	407	8	2018	2018	NUM
ejif-4307	407	9	,	,	PUNCT
ejif-4307	407	10	february	february	PROPN
ejif-4307	407	11	1	1	NUM
ejif-4307	407	12	)	)	PUNCT
ejif-4307	407	13	.	.	PUNCT
ejif-4307	407	14	is	be	AUX
ejif-4307	407	15	cryptocurrency	cryptocurrency	NOUN
ejif-4307	407	16	haram	haram	NOUN
ejif-4307	407	17	?	?	PUNCT
ejif-4307	408	1	the	the	DET
ejif-4307	408	2	chairmain	chairmain	NOUN
ejif-4307	408	3	of	of	ADP
ejif-4307	408	4	bnm‟s	bnm‟s	ADJ
ejif-4307	408	5	shariah	shariah	PROPN
ejif-4307	408	6	advisory	advisory	PROPN
ejif-4307	408	7	council	council	PROPN
ejif-4307	408	8	says	say	VERB
ejif-4307	408	9	no	no	INTJ
ejif-4307	408	10	.	.	PUNCT
ejif-4307	409	1	vulcan	vulcan	PROPN
ejif-4307	409	2	post	post	PROPN
ejif-4307	409	3	.	.	PUNCT
ejif-4307	409	4	retrieved	retrieve	VERB
ejif-4307	409	5	from	from	ADP
ejif-4307	409	6	https://vulcanpost.com/632153/haramcryptocurrency-syariah-advisory-council/	https://vulcanpost.com/632153/haramcryptocurrency-syariah-advisory-council/	PROPN
ejif-4307	409	7	[	[	X
ejif-4307	409	8	54	54	NUM
ejif-4307	409	9	]	]	X
ejif-4307	409	10	rahman	rahman	PROPN
ejif-4307	409	11	,	,	PUNCT
ejif-4307	409	12	s.	s.	PROPN
ejif-4307	409	13	(	(	PUNCT
ejif-4307	409	14	2019	2019	NUM
ejif-4307	409	15	)	)	PUNCT
ejif-4307	409	16	.	.	PUNCT
ejif-4307	410	1	a	a	DET
ejif-4307	410	2	comparative	comparative	ADJ
ejif-4307	410	3	study	study	NOUN
ejif-4307	410	4	of	of	ADP
ejif-4307	410	5	stability	stability	NOUN
ejif-4307	410	6	&	&	CCONJ
ejif-4307	410	7	consumer	consumer	NOUN
ejif-4307	410	8	confidence	confidence	NOUN
ejif-4307	410	9	between	between	ADP
ejif-4307	410	10	islamic	islamic	PROPN
ejif-4307	410	11	&	&	CCONJ
ejif-4307	410	12	conventional	conventional	ADJ
ejif-4307	410	13	banks	bank	NOUN
ejif-4307	410	14	in	in	ADP
ejif-4307	410	15	bangladesh	bangladesh	NOUN
ejif-4307	410	16	.	.	PUNCT
ejif-4307	411	1	european	european	PROPN
ejif-4307	411	2	journal	journal	PROPN
ejif-4307	411	3	of	of	ADP
ejif-4307	411	4	islamic	islamic	PROPN
ejif-4307	411	5	finance	finance	NOUN
ejif-4307	411	6	,	,	PUNCT
ejif-4307	411	7	13	13	NUM
ejif-4307	411	8	,	,	PUNCT
ejif-4307	411	9	1–9	1–9	NOUN
ejif-4307	411	10	.	.	PUNCT
ejif-4307	412	1	[	[	X
ejif-4307	412	2	55	55	NUM
ejif-4307	412	3	]	]	X
ejif-4307	412	4	rhanoui	rhanoui	NOUN
ejif-4307	412	5	,	,	PUNCT
ejif-4307	412	6	s.	s.	PROPN
ejif-4307	412	7	,	,	PUNCT
ejif-4307	412	8	&	&	CCONJ
ejif-4307	412	9	belkhoutout	belkhoutout	PROPN
ejif-4307	412	10	,	,	PUNCT
ejif-4307	412	11	k.	k.	PROPN
ejif-4307	412	12	(	(	PUNCT
ejif-4307	412	13	2017	2017	NUM
ejif-4307	412	14	)	)	PUNCT
ejif-4307	412	15	.	.	PUNCT
ejif-4307	413	1	islamic	islamic	ADJ
ejif-4307	413	2	banking	banking	PROPN
ejif-4307	413	3	in	in	ADP
ejif-4307	413	4	morocco	morocco	PROPN
ejif-4307	413	5	 	 	SPACE
ejif-4307	413	6	:	:	PUNCT
ejif-4307	413	7	the	the	DET
ejif-4307	413	8	factors	factor	NOUN
ejif-4307	413	9	of	of	ADP
ejif-4307	413	10	a	a	DET
ejif-4307	413	11	promising	promising	ADJ
ejif-4307	413	12	future	future	NOUN
ejif-4307	413	13	.	.	PUNCT
ejif-4307	414	1	journal	journal	PROPN
ejif-4307	414	2	of	of	ADP
ejif-4307	414	3	islamic	islamic	PROPN
ejif-4307	414	4	banking	banking	NOUN
ejif-4307	414	5	and	and	CCONJ
ejif-4307	414	6	finance	finance	NOUN
ejif-4307	414	7	,	,	PUNCT
ejif-4307	414	8	5(1	5(1	NUM
ejif-4307	414	9	)	)	PUNCT
ejif-4307	414	10	,	,	PUNCT
ejif-4307	414	11	7	7	NUM
ejif-4307	414	12	–	–	SYM
ejif-4307	414	13	14	14	NUM
ejif-4307	414	14	.	.	PUNCT
ejif-4307	415	1	https://doi.org/10.15640/jibf.v5n1a2	https://doi.org/10.15640/jibf.v5n1a2	PROPN
ejif-4307	416	1	[	[	X
ejif-4307	416	2	56	56	NUM
ejif-4307	416	3	]	]	X
ejif-4307	416	4	rhanoui	rhanoui	NOUN
ejif-4307	416	5	,	,	PUNCT
ejif-4307	416	6	s.	s.	PROPN
ejif-4307	416	7	,	,	PUNCT
ejif-4307	416	8	&	&	CCONJ
ejif-4307	416	9	belkhoutout	belkhoutout	PROPN
ejif-4307	416	10	,	,	PUNCT
ejif-4307	416	11	k.	k.	PROPN
ejif-4307	416	12	(	(	PUNCT
ejif-4307	416	13	2019	2019	NUM
ejif-4307	416	14	)	)	PUNCT
ejif-4307	416	15	.	.	PUNCT
ejif-4307	417	1	risks	risk	NOUN
ejif-4307	417	2	faced	face	VERB
ejif-4307	417	3	by	by	ADP
ejif-4307	417	4	islamic	islamic	ADJ
ejif-4307	417	5	banks	bank	NOUN
ejif-4307	417	6	 	 	SPACE
ejif-4307	417	7	:	:	PUNCT
ejif-4307	417	8	a	a	DET
ejif-4307	417	9	study	study	NOUN
ejif-4307	417	10	on	on	ADP
ejif-4307	417	11	the	the	DET
ejif-4307	417	12	compliance	compliance	NOUN
ejif-4307	417	13	between	between	ADP
ejif-4307	417	14	theory	theory	NOUN
ejif-4307	417	15	and	and	CCONJ
ejif-4307	417	16	practice	practice	NOUN
ejif-4307	417	17	.	.	PUNCT
ejif-4307	418	1	international	international	ADJ
ejif-4307	418	2	journal	journal	PROPN
ejif-4307	418	3	of	of	ADP
ejif-4307	418	4	financial	financial	ADJ
ejif-4307	418	5	research	research	NOUN
ejif-4307	418	6	,	,	PUNCT
ejif-4307	418	7	10(2	10(2	NUM
ejif-4307	418	8	)	)	PUNCT
ejif-4307	418	9	,	,	PUNCT
ejif-4307	418	10	137–146	137–146	NUM
ejif-4307	418	11	.	.	PUNCT
ejif-4307	419	1	https://doi.org/10.5430/ijfr.v10n2p137	https://doi.org/10.5430/ijfr.v10n2p137	NOUN
ejif-4307	419	2	[	[	X
ejif-4307	419	3	57	57	NUM
ejif-4307	419	4	]	]	SYM
ejif-4307	419	5	samad	samad	PROPN
ejif-4307	419	6	,	,	PUNCT
ejif-4307	419	7	a.	a.	NOUN
ejif-4307	419	8	(	(	PUNCT
ejif-4307	419	9	2019	2019	NUM
ejif-4307	419	10	)	)	PUNCT
ejif-4307	419	11	.	.	PUNCT
ejif-4307	420	1	determinants	determinant	NOUN
ejif-4307	420	2	of	of	ADP
ejif-4307	420	3	efficiency	efficiency	NOUN
ejif-4307	420	4	of	of	ADP
ejif-4307	420	5	the	the	DET
ejif-4307	420	6	islamic	islamic	ADJ
ejif-4307	420	7	banks	bank	NOUN
ejif-4307	420	8	of	of	ADP
ejif-4307	420	9	bangladesh	bangladesh	NOUN
ejif-4307	420	10	during	during	ADP
ejif-4307	420	11	2008	2008	NUM
ejif-4307	420	12	-	-	SYM
ejif-4307	420	13	2012	2012	NUM
ejif-4307	420	14	.	.	PUNCT
ejif-4307	421	1	journal	journal	PROPN
ejif-4307	421	2	of	of	ADP
ejif-4307	421	3	islamic	islamic	PROPN
ejif-4307	421	4	banking	banking	NOUN
ejif-4307	421	5	and	and	CCONJ
ejif-4307	421	6	finance	finance	NOUN
ejif-4307	421	7	,	,	PUNCT
ejif-4307	421	8	7(1	7(1	NUM
ejif-4307	421	9	)	)	PUNCT
ejif-4307	421	10	,	,	PUNCT
ejif-4307	421	11	1	1	NUM
ejif-4307	421	12	–	–	PUNCT
ejif-4307	421	13	13	13	NUM
ejif-4307	421	14	.	.	PUNCT
ejif-4307	422	1	https://doi.org/10.15640/jibf.v7n1a1	https://doi.org/10.15640/jibf.v7n1a1	PROPN
ejif-4307	423	1	[	[	X
ejif-4307	423	2	58	58	NUM
ejif-4307	423	3	]	]	PUNCT
ejif-4307	423	4	sanyinna	sanyinna	NOUN
ejif-4307	423	5	,	,	PUNCT
ejif-4307	423	6	a.	a.	NOUN
ejif-4307	423	7	y.	y.	PROPN
ejif-4307	423	8	,	,	PUNCT
ejif-4307	423	9	&	&	CCONJ
ejif-4307	423	10	omar	omar	PROPN
ejif-4307	423	11	,	,	PUNCT
ejif-4307	423	12	h.	h.	PROPN
ejif-4307	423	13	h.	h.	PROPN
ejif-4307	423	14	(	(	PUNCT
ejif-4307	423	15	2017	2017	NUM
ejif-4307	423	16	)	)	PUNCT
ejif-4307	423	17	.	.	PUNCT
ejif-4307	424	1	frontiers	frontier	NOUN
ejif-4307	424	2	and	and	CCONJ
ejif-4307	424	3	mechanics	mechanic	NOUN
ejif-4307	424	4	of	of	ADP
ejif-4307	424	5	risk	risk	NOUN
ejif-4307	424	6	management	management	NOUN
ejif-4307	424	7	in	in	ADP
ejif-4307	424	8	islamic	islamic	ADJ
ejif-4307	424	9	banking	banking	NOUN
ejif-4307	424	10	system	system	NOUN
ejif-4307	424	11	policy	policy	NOUN
ejif-4307	424	12	measures	measure	NOUN
ejif-4307	424	13	for	for	ADP
ejif-4307	424	14	effective	effective	ADJ
ejif-4307	424	15	risk	risk	NOUN
ejif-4307	424	16	mitigation	mitigation	NOUN
ejif-4307	424	17	.	.	PUNCT
ejif-4307	425	1	journal	journal	PROPN
ejif-4307	425	2	of	of	ADP
ejif-4307	425	3	islamic	islamic	PROPN
ejif-4307	425	4	banking	banking	NOUN
ejif-4307	425	5	and	and	CCONJ
ejif-4307	425	6	finance	finance	NOUN
ejif-4307	425	7	,	,	PUNCT
ejif-4307	425	8	5(1	5(1	NUM
ejif-4307	425	9	)	)	PUNCT
ejif-4307	425	10	,	,	PUNCT
ejif-4307	425	11	26–35	26–35	NUM
ejif-4307	425	12	.	.	PUNCT
ejif-4307	426	1	https://doi.org/10.15640/jibf.v5n1a4	https://doi.org/10.15640/jibf.v5n1a4	PROPN
ejif-4307	426	2	[	[	PUNCT
ejif-4307	426	3	59	59	NUM
ejif-4307	426	4	]	]	SYM
ejif-4307	426	5	sarif	sarif	PROPN
ejif-4307	426	6	,	,	PUNCT
ejif-4307	426	7	s.	s.	PROPN
ejif-4307	426	8	m.	m.	PROPN
ejif-4307	426	9	(	(	PUNCT
ejif-4307	426	10	2014	2014	NUM
ejif-4307	426	11	)	)	PUNCT
ejif-4307	426	12	.	.	PUNCT
ejif-4307	427	1	tawhidic	tawhidic	ADJ
ejif-4307	427	2	paradigm	paradigm	NOUN
ejif-4307	427	3	and	and	CCONJ
ejif-4307	427	4	organizational	organizational	ADJ
ejif-4307	427	5	policy	policy	NOUN
ejif-4307	427	6	and	and	CCONJ
ejif-4307	427	7	strategy	strategy	NOUN
ejif-4307	427	8	practices	practice	NOUN
ejif-4307	427	9	.	.	PUNCT
ejif-4307	428	1	south	south	PROPN
ejif-4307	428	2	east	east	PROPN
ejif-4307	428	3	asia	asia	PROPN
ejif-4307	428	4	journal	journal	PROPN
ejif-4307	428	5	of	of	ADP
ejif-4307	428	6	contemporary	contemporary	PROPN
ejif-4307	428	7	business	business	NOUN
ejif-4307	428	8	,	,	PUNCT
ejif-4307	428	9	economics	economic	NOUN
ejif-4307	428	10	and	and	CCONJ
ejif-4307	428	11	law	law	NOUN
ejif-4307	428	12	,	,	PUNCT
ejif-4307	428	13	5(2	5(2	NUM
ejif-4307	428	14	)	)	PUNCT
ejif-4307	428	15	,	,	PUNCT
ejif-4307	428	16	28–35	28–35	NUM
ejif-4307	428	17	.	.	PUNCT
ejif-4307	429	1	[	[	X
ejif-4307	429	2	60	60	NUM
ejif-4307	429	3	]	]	X
ejif-4307	429	4	saunders	saunder	NOUN
ejif-4307	429	5	,	,	PUNCT
ejif-4307	429	6	m.	m.	NOUN
ejif-4307	429	7	,	,	PUNCT
ejif-4307	429	8	lewis	lewis	PROPN
ejif-4307	429	9	,	,	PUNCT
ejif-4307	429	10	p.	p.	PROPN
ejif-4307	429	11	,	,	PUNCT
ejif-4307	429	12	&	&	CCONJ
ejif-4307	429	13	thornhill	thornhill	PROPN
ejif-4307	429	14	,	,	PUNCT
ejif-4307	429	15	a.	a.	NOUN
ejif-4307	429	16	(	(	PUNCT
ejif-4307	429	17	2007	2007	NUM
ejif-4307	429	18	)	)	PUNCT
ejif-4307	429	19	.	.	PUNCT
ejif-4307	430	1	research	research	NOUN
ejif-4307	430	2	methods	method	NOUN
ejif-4307	430	3	for	for	ADP
ejif-4307	430	4	business	business	NOUN
ejif-4307	430	5	students	student	NOUN
ejif-4307	430	6	(	(	PUNCT
ejif-4307	430	7	4th	4th	ADJ
ejif-4307	430	8	ed	ed	NOUN
ejif-4307	430	9	.	.	PUNCT
ejif-4307	430	10	)	)	PUNCT
ejif-4307	430	11	.	.	PUNCT
ejif-4307	431	1	essex	essex	PROPN
ejif-4307	431	2	:	:	PUNCT
ejif-4307	431	3	pearson	pearson	PROPN
ejif-4307	431	4	education	education	PROPN
ejif-4307	431	5	limited	limit	VERB
ejif-4307	431	6	.	.	PUNCT
ejif-4307	432	1	[	[	X
ejif-4307	432	2	61	61	NUM
ejif-4307	432	3	]	]	X
ejif-4307	432	4	shabbir	shabbir	PROPN
ejif-4307	432	5	,	,	PUNCT
ejif-4307	432	6	m.	m.	NOUN
ejif-4307	432	7	s.	s.	PROPN
ejif-4307	432	8	,	,	PUNCT
ejif-4307	432	9	&	&	CCONJ
ejif-4307	432	10	rehman	rehman	PROPN
ejif-4307	432	11	,	,	PUNCT
ejif-4307	432	12	a.	a.	NOUN
ejif-4307	432	13	(	(	PUNCT
ejif-4307	432	14	2019	2019	NUM
ejif-4307	432	15	)	)	PUNCT
ejif-4307	432	16	.	.	PUNCT
ejif-4307	433	1	layers	layer	NOUN
ejif-4307	433	2	of	of	ADP
ejif-4307	433	3	misconceptions	misconception	NOUN
ejif-4307	433	4	about	about	ADP
ejif-4307	433	5	islamic	islamic	ADJ
ejif-4307	433	6	banking	banking	NOUN
ejif-4307	433	7	are	be	AUX
ejif-4307	433	8	islamic	islamic	ADJ
ejif-4307	433	9	banks	bank	NOUN
ejif-4307	433	10	threats	threat	NOUN
ejif-4307	433	11	,	,	PUNCT
ejif-4307	433	12	challenges	challenge	NOUN
ejif-4307	433	13	and	and	CCONJ
ejif-4307	433	14	opportunities	opportunity	NOUN
ejif-4307	433	15	for	for	ADP
ejif-4307	433	16	investors	investor	NOUN
ejif-4307	433	17	?	?	PUNCT
ejif-4307	434	1	journal	journal	PROPN
ejif-4307	434	2	of	of	ADP
ejif-4307	434	3	islamic	islamic	PROPN
ejif-4307	434	4	marketing	marketing	NOUN
ejif-4307	434	5	,	,	PUNCT
ejif-4307	434	6	2–20	2–20	NOUN
ejif-4307	434	7	.	.	PUNCT
ejif-4307	435	1	https://doi.org/10.1108/jima-022018-0026	https://doi.org/10.1108/jima-022018-0026	PROPN
ejif-4307	436	1	[	[	X
ejif-4307	436	2	62	62	NUM
ejif-4307	436	3	]	]	SYM
ejif-4307	436	4	sukmana	sukmana	PROPN
ejif-4307	436	5	,	,	PUNCT
ejif-4307	436	6	r.	r.	PROPN
ejif-4307	436	7	,	,	PUNCT
ejif-4307	436	8	&	&	CCONJ
ejif-4307	436	9	ibrahim	ibrahim	PROPN
ejif-4307	436	10	,	,	PUNCT
ejif-4307	436	11	m.	m.	PROPN
ejif-4307	436	12	h.	h.	PROPN
ejif-4307	436	13	(	(	PUNCT
ejif-4307	436	14	2017	2017	NUM
ejif-4307	436	15	)	)	PUNCT
ejif-4307	436	16	.	.	PUNCT
ejif-4307	437	1	how	how	SCONJ
ejif-4307	437	2	islamic	islamic	ADJ
ejif-4307	437	3	are	be	AUX
ejif-4307	437	4	islamic	islamic	ADJ
ejif-4307	437	5	banks	bank	NOUN
ejif-4307	437	6	 	 	SPACE
ejif-4307	437	7	?	?	PUNCT
ejif-4307	438	1	a	a	DET
ejif-4307	438	2	nonlinear	nonlinear	ADJ
ejif-4307	438	3	assessment	assessment	NOUN
ejif-4307	438	4	of	of	ADP
ejif-4307	438	5	islamic	islamic	ADJ
ejif-4307	438	6	rate	rate	NOUN
ejif-4307	438	7	–	–	PUNCT
ejif-4307	438	8	conventional	conventional	ADJ
ejif-4307	438	9	rate	rate	NOUN
ejif-4307	438	10	relations	relation	NOUN
ejif-4307	438	11	.	.	PUNCT
ejif-4307	439	1	economic	economic	ADJ
ejif-4307	439	2	modelling	modelling	NOUN
ejif-4307	439	3	,	,	PUNCT
ejif-4307	439	4	1–6	1–6	NUM
ejif-4307	439	5	.	.	PUNCT
ejif-4307	439	6	https://doi.org/10.1016/j.econmod.2017.0	https://doi.org/10.1016/j.econmod.2017.0	NUM
ejif-4307	439	7	2.025	2.025	NUM
ejif-4307	439	8	[	[	PUNCT
ejif-4307	439	9	63	63	NUM
ejif-4307	439	10	]	]	X
ejif-4307	439	11	supardin	supardin	NOUN
ejif-4307	439	12	.	.	PUNCT
ejif-4307	440	1	(	(	PUNCT
ejif-4307	440	2	2020	2020	NUM
ejif-4307	440	3	)	)	PUNCT
ejif-4307	440	4	.	.	PUNCT
ejif-4307	441	1	the	the	DET
ejif-4307	441	2	challenges	challenge	NOUN
ejif-4307	441	3	of	of	ADP
ejif-4307	441	4	islamic	islamic	ADJ
ejif-4307	441	5	economic	economic	ADJ
ejif-4307	441	6	law	law	NOUN
ejif-4307	441	7	in	in	ADP
ejif-4307	441	8	the	the	DET
ejif-4307	441	9	industrial	industrial	ADJ
ejif-4307	441	10	revolution	revolution	NOUN
ejif-4307	441	11	.	.	PUNCT
ejif-4307	442	1	jurisdictie	jurisdictie	PROPN
ejif-4307	442	2	,	,	PUNCT
ejif-4307	442	3	11(1	11(1	NUM
ejif-4307	442	4	)	)	PUNCT
ejif-4307	442	5	,	,	PUNCT
ejif-4307	442	6	125–138	125–138	NUM
ejif-4307	442	7	.	.	PUNCT
ejif-4307	442	8	https://doi.org/10.18860/j.v11i1.8875	https://doi.org/10.18860/j.v11i1.8875	X
ejif-4307	443	1	[	[	X
ejif-4307	443	2	64	64	NUM
ejif-4307	443	3	]	]	PUNCT
ejif-4307	443	4	timur	timur	ADJ
ejif-4307	443	5	kuran	kuran	PROPN
ejif-4307	443	6	.	.	PUNCT
ejif-4307	444	1	(	(	PUNCT
ejif-4307	444	2	2012	2012	NUM
ejif-4307	444	3	)	)	PUNCT
ejif-4307	444	4	.	.	PUNCT
ejif-4307	445	1	the	the	DET
ejif-4307	445	2	long	long	ADJ
ejif-4307	445	3	divergence	divergence	NOUN
ejif-4307	445	4	:	:	PUNCT
ejif-4307	445	5	how	how	SCONJ
ejif-4307	445	6	islamic	islamic	ADJ
ejif-4307	445	7	law	law	NOUN
ejif-4307	445	8	held	hold	VERB
ejif-4307	445	9	back	back	ADP
ejif-4307	445	10	the	the	DET
ejif-4307	445	11	middle	middle	PROPN
ejif-4307	445	12	east	east	PROPN
ejif-4307	445	13	.	.	PUNCT
ejif-4307	446	1	new	new	PROPN
ejif-4307	446	2	jersey	jersey	PROPN
ejif-4307	446	3	:	:	PUNCT
ejif-4307	446	4	princeton	princeton	PROPN
ejif-4307	446	5	university	university	PROPN
ejif-4307	446	6	press	press	NOUN
ejif-4307	446	7	.	.	PUNCT
ejif-4307	447	1	[	[	X
ejif-4307	447	2	65	65	NUM
ejif-4307	447	3	]	]	X
ejif-4307	447	4	waemustafa	waemustafa	PROPN
ejif-4307	447	5	,	,	PUNCT
ejif-4307	447	6	w.	w.	PROPN
ejif-4307	447	7	(	(	PUNCT
ejif-4307	447	8	2013	2013	NUM
ejif-4307	447	9	)	)	PUNCT
ejif-4307	447	10	.	.	PUNCT
ejif-4307	448	1	the	the	DET
ejif-4307	448	2	emergence	emergence	NOUN
ejif-4307	448	3	of	of	ADP
ejif-4307	448	4	islamic	islamic	ADJ
ejif-4307	448	5	banking	banking	NOUN
ejif-4307	448	6	:	:	PUNCT
ejif-4307	448	7	development	development	NOUN
ejif-4307	448	8	,	,	PUNCT
ejif-4307	448	9	trends	trend	NOUN
ejif-4307	448	10	,	,	PUNCT
ejif-4307	448	11	and	and	CCONJ
ejif-4307	448	12	challenges	challenge	NOUN
ejif-4307	448	13	.	.	PUNCT
ejif-4307	449	1	iosr	iosr	ADJ
ejif-4307	449	2	journal	journal	PROPN
ejif-4307	449	3	of	of	ADP
ejif-4307	449	4	business	business	NOUN
ejif-4307	449	5	and	and	CCONJ
ejif-4307	449	6	management	management	NOUN
ejif-4307	449	7	,	,	PUNCT
ejif-4307	449	8	7(2	7(2	NUM
ejif-4307	449	9	)	)	PUNCT
ejif-4307	449	10	,	,	PUNCT
ejif-4307	449	11	67	67	NUM
ejif-4307	449	12	–	–	SYM
ejif-4307	449	13	71	71	NUM
ejif-4307	449	14	.	.	PUNCT
ejif-4307	450	1	[	[	X
ejif-4307	450	2	66	66	NUM
ejif-4307	450	3	]	]	PUNCT
ejif-4307	450	4	yaacob	yaacob	NOUN
ejif-4307	450	5	,	,	PUNCT
ejif-4307	450	6	h.	h.	PROPN
ejif-4307	450	7	,	,	PUNCT
ejif-4307	450	8	&	&	CCONJ
ejif-4307	450	9	donglah	donglah	PROPN
ejif-4307	450	10	,	,	PUNCT
ejif-4307	450	11	n.	n.	PROPN
ejif-4307	450	12	k.	k.	PROPN
ejif-4307	450	13	(	(	PUNCT
ejif-4307	450	14	2012	2012	NUM
ejif-4307	450	15	)	)	PUNCT
ejif-4307	450	16	.	.	PUNCT
ejif-4307	451	1	shari‟ah	shari‟ah	PRON
ejif-4307	451	2	audit	audit	NOUN
ejif-4307	451	3	in	in	ADP
ejif-4307	451	4	islamic	islamic	ADJ
ejif-4307	451	5	financial	financial	ADJ
ejif-4307	451	6	institutions	institution	NOUN
ejif-4307	451	7	 	 	SPACE
ejif-4307	451	8	:	:	PUNCT
ejif-4307	451	9	the	the	DET
ejif-4307	451	10	postgraduates	postgraduate	NOUN
ejif-4307	451	11	‟perspective	‟perspective	VERB
ejif-4307	451	12	.	.	PUNCT
ejif-4307	452	1	international	international	ADJ
ejif-4307	452	2	journal	journal	PROPN
ejif-4307	452	3	of	of	ADP
ejif-4307	452	4	economics	economic	NOUN
ejif-4307	452	5	and	and	CCONJ
ejif-4307	452	6	finance	finance	NOUN
ejif-4307	452	7	,	,	PUNCT
ejif-4307	452	8	4(12	4(12	NUM
ejif-4307	452	9	)	)	PUNCT
ejif-4307	452	10	,	,	PUNCT
ejif-4307	452	11	224–239	224–239	NUM
ejif-4307	452	12	.	.	PUNCT
ejif-4307	453	1	https://doi.org/10.5539/ijef.v4n12p224	https://doi.org/10.5539/ijef.v4n12p224	PROPN
ejif-4307	453	2	ejif	ejif	PROPN
ejif-4307	453	3	–	–	PUNCT
ejif-4307	453	4	european	european	PROPN
ejif-4307	453	5	journal	journal	PROPN
ejif-4307	453	6	of	of	ADP
ejif-4307	453	7	islamic	islamic	PROPN
ejif-4307	453	8	finance	finance	PROPN
ejif-4307	453	9	no15	no15	PROPN
ejif-4307	453	10	,	,	PUNCT
ejif-4307	453	11	august	august	PROPN
ejif-4307	453	12	(	(	PUNCT
ejif-4307	453	13	2020	2020	NUM
ejif-4307	453	14	)	)	PUNCT
ejif-4307	454	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4307	454	2	issn	issn	VERB
ejif-4307	454	3	2421	2421	NUM
ejif-4307	454	4	-	-	SYM
ejif-4307	454	5	2172	2172	NUM
ejif-4307	454	6	11	11	NUM