id	sid	tid	token	lemma	pos
ejif-4433	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	1	2	issn	issn	VERB
ejif-4433	1	3	2421	2421	NUM
ejif-4433	1	4	-	-	SYM
ejif-4433	1	5	2172	2172	NUM
ejif-4433	1	6	1	1	NUM
ejif-4433	1	7	why	why	SCONJ
ejif-4433	1	8	islamic	islamic	ADJ
ejif-4433	1	9	banks	bank	NOUN
ejif-4433	1	10	are	be	AUX
ejif-4433	1	11	not	not	PART
ejif-4433	1	12	competitive	competitive	ADJ
ejif-4433	1	13	in	in	ADP
ejif-4433	1	14	islamic	islamic	ADJ
ejif-4433	1	15	country	country	NOUN
ejif-4433	1	16	:	:	PUNCT
ejif-4433	1	17	an	an	DET
ejif-4433	1	18	empirical	empirical	ADJ
ejif-4433	1	19	evidence	evidence	NOUN
ejif-4433	1	20	from	from	ADP
ejif-4433	1	21	pakistan	pakistan	PROPN
ejif-4433	1	22	islamic	islamic	PROPN
ejif-4433	1	23	banking	banking	NOUN
ejif-4433	1	24	sector	sector	NOUN
ejif-4433	1	25	kiran	kiran	PROPN
ejif-4433	1	26	javaria	javaria	PROPN
ejif-4433	1	27	1	1	NUM
ejif-4433	1	28	and	and	CCONJ
ejif-4433	1	29	omar	omar	PROPN
ejif-4433	1	30	masood	masood	PROPN
ejif-4433	1	31	2	2	NUM
ejif-4433	1	32	lahore	lahore	NOUN
ejif-4433	1	33	school	school	NOUN
ejif-4433	1	34	of	of	ADP
ejif-4433	1	35	accountancy	accountancy	NOUN
ejif-4433	1	36	and	and	CCONJ
ejif-4433	1	37	finance	finance	NOUN
ejif-4433	1	38	,	,	PUNCT
ejif-4433	1	39	university	university	NOUN
ejif-4433	1	40	of	of	ADP
ejif-4433	1	41	lahore	lahore	PROPN
ejif-4433	1	42	,	,	PUNCT
ejif-4433	1	43	islamabad	islamabad	PROPN
ejif-4433	1	44	,	,	PUNCT
ejif-4433	1	45	pakistan	pakistan	PROPN
ejif-4433	1	46	1	1	NUM
ejif-4433	1	47	,	,	PUNCT
ejif-4433	1	48	2	2	NUM
ejif-4433	1	49	kiranmaryam23@gmail.com	kiranmaryam23@gmail.com	X
ejif-4433	1	50	1	1	NUM
ejif-4433	1	51	;	;	PUNCT
ejif-4433	1	52	masood_omar@hotmail.com	masood_omar@hotmail.com	X
ejif-4433	1	53	2	2	NUM
ejif-4433	1	54	abstract	abstract	NOUN
ejif-4433	1	55	:	:	PUNCT
ejif-4433	1	56	islamic	islamic	ADJ
ejif-4433	1	57	banks	bank	NOUN
ejif-4433	1	58	are	be	AUX
ejif-4433	1	59	founded	found	VERB
ejif-4433	1	60	on	on	ADP
ejif-4433	1	61	principles	principle	NOUN
ejif-4433	1	62	that	that	PRON
ejif-4433	1	63	constitute	constitute	VERB
ejif-4433	1	64	the	the	DET
ejif-4433	1	65	guidelines	guideline	NOUN
ejif-4433	1	66	governing	govern	VERB
ejif-4433	1	67	any	any	DET
ejif-4433	1	68	islamic	islamic	ADJ
ejif-4433	1	69	economic	economic	ADJ
ejif-4433	1	70	or	or	CCONJ
ejif-4433	1	71	financial	financial	ADJ
ejif-4433	1	72	dealing	dealing	NOUN
ejif-4433	1	73	.	.	PUNCT
ejif-4433	2	1	there	there	PRON
ejif-4433	2	2	are	be	VERB
ejif-4433	2	3	almost	almost	ADV
ejif-4433	2	4	180	180	NUM
ejif-4433	2	5	islamic	islamic	ADJ
ejif-4433	2	6	financial	financial	ADJ
ejif-4433	2	7	institutions	institution	NOUN
ejif-4433	2	8	operating	operate	VERB
ejif-4433	2	9	all	all	ADV
ejif-4433	2	10	over	over	ADP
ejif-4433	2	11	the	the	DET
ejif-4433	2	12	world	world	NOUN
ejif-4433	2	13	with	with	ADP
ejif-4433	2	14	8,000	8,000	NUM
ejif-4433	2	15	branches	branch	NOUN
ejif-4433	2	16	contributing	contribute	VERB
ejif-4433	2	17	to	to	ADP
ejif-4433	2	18	71	71	NUM
ejif-4433	2	19	%	%	NOUN
ejif-4433	2	20	,	,	PUNCT
ejif-4433	2	21	or	or	CCONJ
ejif-4433	2	22	usd	usd	NOUN
ejif-4433	2	23	1.72	1.72	NUM
ejif-4433	2	24	trillion	trillion	NUM
ejif-4433	2	25	,	,	PUNCT
ejif-4433	2	26	of	of	ADP
ejif-4433	2	27	the	the	DET
ejif-4433	2	28	islamic	islamic	PROPN
ejif-4433	2	29	finance	finance	PROPN
ejif-4433	2	30	industry	industry	NOUN
ejif-4433	2	31	's	's	PART
ejif-4433	2	32	assets1	assets1	PROPN
ejif-4433	2	33	.	.	PUNCT
ejif-4433	3	1	there	there	PRON
ejif-4433	3	2	has	have	AUX
ejif-4433	3	3	been	be	AUX
ejif-4433	3	4	tremendous	tremendous	ADJ
ejif-4433	3	5	growth	growth	NOUN
ejif-4433	3	6	in	in	ADP
ejif-4433	3	7	the	the	DET
ejif-4433	3	8	islamic	islamic	ADJ
ejif-4433	3	9	banking	banking	NOUN
ejif-4433	3	10	sector	sector	NOUN
ejif-4433	3	11	especially	especially	ADV
ejif-4433	3	12	in	in	ADP
ejif-4433	3	13	islamic	islamic	ADJ
ejif-4433	3	14	countries	country	NOUN
ejif-4433	3	15	with	with	ADP
ejif-4433	3	16	regions	region	NOUN
ejif-4433	3	17	like	like	ADP
ejif-4433	3	18	gcc	gcc	NOUN
ejif-4433	3	19	countries	country	NOUN
ejif-4433	3	20	and	and	CCONJ
ejif-4433	3	21	malaysia	malaysia	PROPN
ejif-4433	3	22	leading	lead	VERB
ejif-4433	3	23	the	the	DET
ejif-4433	3	24	way	way	NOUN
ejif-4433	3	25	.	.	PUNCT
ejif-4433	4	1	the	the	DET
ejif-4433	4	2	situation	situation	NOUN
ejif-4433	4	3	in	in	ADP
ejif-4433	4	4	the	the	DET
ejif-4433	4	5	“	"	PUNCT
ejif-4433	4	6	islamic	islamic	PROPN
ejif-4433	4	7	republic	republic	PROPN
ejif-4433	4	8	of	of	ADP
ejif-4433	4	9	pakistan	pakistan	PROPN
ejif-4433	4	10	”	"	PUNCT
ejif-4433	4	11	has	have	AUX
ejif-4433	4	12	been	be	AUX
ejif-4433	4	13	quite	quite	ADV
ejif-4433	4	14	different	different	ADJ
ejif-4433	4	15	where	where	SCONJ
ejif-4433	4	16	there	there	PRON
ejif-4433	4	17	has	have	AUX
ejif-4433	4	18	been	be	AUX
ejif-4433	4	19	a	a	DET
ejif-4433	4	20	steady	steady	ADJ
ejif-4433	4	21	decline	decline	NOUN
ejif-4433	4	22	in	in	ADP
ejif-4433	4	23	the	the	DET
ejif-4433	4	24	total	total	ADJ
ejif-4433	4	25	number	number	NOUN
ejif-4433	4	26	of	of	ADP
ejif-4433	4	27	islamic	islamic	ADJ
ejif-4433	4	28	banks	bank	NOUN
ejif-4433	4	29	and	and	CCONJ
ejif-4433	4	30	their	their	PRON
ejif-4433	4	31	profits	profit	NOUN
ejif-4433	4	32	.	.	PUNCT
ejif-4433	5	1	it	it	PRON
ejif-4433	5	2	is	be	AUX
ejif-4433	5	3	important	important	ADJ
ejif-4433	5	4	to	to	PART
ejif-4433	5	5	identify	identify	VERB
ejif-4433	5	6	the	the	DET
ejif-4433	5	7	reason	reason	NOUN
ejif-4433	5	8	behind	behind	ADP
ejif-4433	5	9	decline	decline	NOUN
ejif-4433	5	10	and	and	CCONJ
ejif-4433	5	11	failure	failure	NOUN
ejif-4433	5	12	of	of	ADP
ejif-4433	5	13	pakistani	pakistani	ADJ
ejif-4433	5	14	fully	fully	ADV
ejif-4433	5	15	fledged	fledged	ADJ
ejif-4433	5	16	islamic	islamic	ADJ
ejif-4433	5	17	banking	banking	NOUN
ejif-4433	5	18	sector	sector	NOUN
ejif-4433	5	19	.	.	PUNCT
ejif-4433	6	1	therefore	therefore	ADV
ejif-4433	6	2	,	,	PUNCT
ejif-4433	6	3	this	this	DET
ejif-4433	6	4	study	study	NOUN
ejif-4433	6	5	purpose	purpose	NOUN
ejif-4433	6	6	is	be	AUX
ejif-4433	6	7	to	to	PART
ejif-4433	6	8	highlight	highlight	VERB
ejif-4433	6	9	the	the	DET
ejif-4433	6	10	main	main	ADJ
ejif-4433	6	11	reasons	reason	NOUN
ejif-4433	6	12	for	for	ADP
ejif-4433	6	13	the	the	DET
ejif-4433	6	14	decline	decline	NOUN
ejif-4433	6	15	of	of	ADP
ejif-4433	6	16	islamic	islamic	ADJ
ejif-4433	6	17	banking	banking	NOUN
ejif-4433	6	18	profitability	profitability	NOUN
ejif-4433	6	19	in	in	ADP
ejif-4433	6	20	pakistan	pakistan	PROPN
ejif-4433	6	21	.	.	PUNCT
ejif-4433	7	1	according	accord	VERB
ejif-4433	7	2	to	to	ADP
ejif-4433	7	3	sbp	sbp	PROPN
ejif-4433	7	4	,	,	PUNCT
ejif-4433	7	5	islamic	islamic	PROPN
ejif-4433	7	6	bank	bank	PROPN
ejif-4433	7	7	bulletin	bulletin	PROPN
ejif-4433	7	8	20182	20182	NUM
ejif-4433	7	9	,	,	PUNCT
ejif-4433	7	10	there	there	PRON
ejif-4433	7	11	are	be	VERB
ejif-4433	7	12	currently	currently	ADV
ejif-4433	7	13	four	four	NUM
ejif-4433	7	14	fully	fully	ADV
ejif-4433	7	15	fledged	fledged	ADJ
ejif-4433	7	16	islamic	islamic	ADJ
ejif-4433	7	17	banks	bank	NOUN
ejif-4433	7	18	operating	operate	VERB
ejif-4433	7	19	with	with	ADP
ejif-4433	7	20	12.9	12.9	NUM
ejif-4433	7	21	%	%	NOUN
ejif-4433	7	22	market	market	NOUN
ejif-4433	7	23	share	share	NOUN
ejif-4433	7	24	of	of	ADP
ejif-4433	7	25	pakistan	pakistan	PROPN
ejif-4433	7	26	's	's	PART
ejif-4433	7	27	banking	banking	NOUN
ejif-4433	7	28	industry	industry	NOUN
ejif-4433	7	29	.	.	PUNCT
ejif-4433	8	1	this	this	DET
ejif-4433	8	2	study	study	NOUN
ejif-4433	8	3	encompass	encompass	VERB
ejif-4433	8	4	a	a	DET
ejif-4433	8	5	period	period	NOUN
ejif-4433	8	6	of	of	ADP
ejif-4433	8	7	twelve	twelve	NUM
ejif-4433	8	8	years	year	NOUN
ejif-4433	8	9	(	(	PUNCT
ejif-4433	8	10	2007	2007	NUM
ejif-4433	8	11	to	to	ADP
ejif-4433	8	12	2018	2018	NUM
ejif-4433	8	13	)	)	PUNCT
ejif-4433	8	14	which	which	PRON
ejif-4433	8	15	shows	show	VERB
ejif-4433	8	16	a	a	DET
ejif-4433	8	17	gradual	gradual	ADJ
ejif-4433	8	18	decline	decline	NOUN
ejif-4433	8	19	in	in	ADP
ejif-4433	8	20	the	the	DET
ejif-4433	8	21	total	total	ADJ
ejif-4433	8	22	number	number	NOUN
ejif-4433	8	23	of	of	ADP
ejif-4433	8	24	fully	fully	ADV
ejif-4433	8	25	fledged	fledged	ADJ
ejif-4433	8	26	islamic	islamic	ADJ
ejif-4433	8	27	banks	bank	NOUN
ejif-4433	8	28	in	in	ADP
ejif-4433	8	29	pakistan	pakistan	PROPN
ejif-4433	8	30	and	and	CCONJ
ejif-4433	8	31	gradually	gradually	ADV
ejif-4433	8	32	in	in	ADP
ejif-4433	8	33	1	1	NUM
ejif-4433	8	34	onakoya	onakoya	NOUN
ejif-4433	8	35	,	,	PUNCT
ejif-4433	8	36	(	(	PUNCT
ejif-4433	8	37	2013	2013	NUM
ejif-4433	8	38	)	)	PUNCT
ejif-4433	8	39	;	;	PUNCT
ejif-4433	9	1	kamal	kamal	PROPN
ejif-4433	9	2	,	,	PUNCT
ejif-4433	9	3	ahmad	ahmad	PROPN
ejif-4433	9	4	&	&	CCONJ
ejif-4433	9	5	khalid	khalid	PROPN
ejif-4433	9	6	,	,	PUNCT
ejif-4433	9	7	(	(	PUNCT
ejif-4433	9	8	1999	1999	NUM
ejif-4433	9	9	)	)	PUNCT
ejif-4433	9	10	;	;	PUNCT
ejif-4433	9	11	masood	masood	PROPN
ejif-4433	9	12	,	,	PUNCT
ejif-4433	9	13	(	(	PUNCT
ejif-4433	9	14	2013	2013	NUM
ejif-4433	9	15	)	)	PUNCT
ejif-4433	9	16	;	;	PUNCT
ejif-4433	9	17	dublin	dublin	PROPN
ejif-4433	9	18	(	(	PUNCT
ejif-4433	9	19	2019	2019	NUM
ejif-4433	9	20	)	)	PUNCT
ejif-4433	9	21	global	global	ADJ
ejif-4433	9	22	islamic	islamic	ADJ
ejif-4433	9	23	finance	finance	NOUN
ejif-4433	9	24	markets	market	NOUN
ejif-4433	9	25	report	report	VERB
ejif-4433	9	26	2019	2019	NUM
ejif-4433	9	27	,	,	PUNCT
ejif-4433	9	28	"	"	PUNCT
ejif-4433	9	29	global	global	ADJ
ejif-4433	9	30	islamic	islamic	ADJ
ejif-4433	9	31	finance	finance	NOUN
ejif-4433	9	32	market	market	NOUN
ejif-4433	9	33	growth	growth	NOUN
ejif-4433	9	34	,	,	PUNCT
ejif-4433	9	35	trends	trend	NOUN
ejif-4433	9	36	,	,	PUNCT
ejif-4433	9	37	and	and	CCONJ
ejif-4433	9	38	forecast	forecast	NOUN
ejif-4433	9	39	"	"	PUNCT
ejif-4433	9	40	,	,	PUNCT
ejif-4433	9	41	source	source	NOUN
ejif-4433	9	42	:	:	PUNCT
ejif-4433	9	43	research	research	NOUN
ejif-4433	9	44	and	and	CCONJ
ejif-4433	9	45	markets	market	NOUN
ejif-4433	9	46	2	2	NUM
ejif-4433	9	47	state	state	NOUN
ejif-4433	9	48	bank	bank	NOUN
ejif-4433	9	49	of	of	ADP
ejif-4433	9	50	pakistan	pakistan	PROPN
ejif-4433	9	51	,	,	PUNCT
ejif-4433	9	52	islamic	islamic	ADJ
ejif-4433	9	53	banking	banking	NOUN
ejif-4433	9	54	bulletin	bulletin	NOUN
ejif-4433	9	55	:	:	PUNCT
ejif-4433	9	56	apriljune	apriljune	PROPN
ejif-4433	9	57	2018	2018	NUM
ejif-4433	9	58	,	,	PUNCT
ejif-4433	9	59	islamic	islamic	ADJ
ejif-4433	9	60	banking	banking	NOUN
ejif-4433	9	61	industry	industry	NOUN
ejif-4433	9	62	progress	progress	NOUN
ejif-4433	9	63	&	&	CCONJ
ejif-4433	9	64	market	market	NOUN
ejif-4433	9	65	share	share	VERB
ejif-4433	9	66	the	the	DET
ejif-4433	9	67	reduction	reduction	NOUN
ejif-4433	9	68	of	of	ADP
ejif-4433	9	69	their	their	PRON
ejif-4433	9	70	profits	profit	NOUN
ejif-4433	9	71	.	.	PUNCT
ejif-4433	10	1	this	this	DET
ejif-4433	10	2	study	study	NOUN
ejif-4433	10	3	contributes	contribute	VERB
ejif-4433	10	4	by	by	ADP
ejif-4433	10	5	analyzing	analyze	VERB
ejif-4433	10	6	both	both	CCONJ
ejif-4433	10	7	internal	internal	ADJ
ejif-4433	10	8	and	and	CCONJ
ejif-4433	10	9	external	external	ADJ
ejif-4433	10	10	factors	factor	NOUN
ejif-4433	10	11	(	(	PUNCT
ejif-4433	10	12	(	(	PUNCT
ejif-4433	10	13	back	back	ADV
ejif-4433	10	14	specific	specific	ADJ
ejif-4433	10	15	/	/	SYM
ejif-4433	10	16	internal	internal	ADJ
ejif-4433	10	17	,	,	PUNCT
ejif-4433	10	18	environmental	environmental	ADJ
ejif-4433	10	19	/	/	SYM
ejif-4433	10	20	macroeconomic	macroeconomic	ADJ
ejif-4433	10	21	and	and	CCONJ
ejif-4433	10	22	external	external	ADJ
ejif-4433	10	23	factors	factor	NOUN
ejif-4433	10	24	)	)	PUNCT
ejif-4433	10	25	which	which	PRON
ejif-4433	10	26	have	have	AUX
ejif-4433	10	27	led	lead	VERB
ejif-4433	10	28	to	to	ADP
ejif-4433	10	29	the	the	DET
ejif-4433	10	30	decline	decline	NOUN
ejif-4433	10	31	in	in	ADP
ejif-4433	10	32	the	the	DET
ejif-4433	10	33	profitability	profitability	NOUN
ejif-4433	10	34	of	of	ADP
ejif-4433	10	35	fully	fully	ADV
ejif-4433	10	36	fledged	fledged	ADJ
ejif-4433	10	37	islamic	islamic	ADJ
ejif-4433	10	38	banks	bank	NOUN
ejif-4433	10	39	.	.	PUNCT
ejif-4433	11	1	study	study	NOUN
ejif-4433	11	2	is	be	AUX
ejif-4433	11	3	quantitative	quantitative	ADJ
ejif-4433	11	4	in	in	ADP
ejif-4433	11	5	nature	nature	NOUN
ejif-4433	11	6	and	and	CCONJ
ejif-4433	11	7	primary	primary	ADJ
ejif-4433	11	8	data	datum	NOUN
ejif-4433	11	9	was	be	AUX
ejif-4433	11	10	collected	collect	VERB
ejif-4433	11	11	from	from	ADP
ejif-4433	11	12	508	508	NUM
ejif-4433	11	13	senior	senior	ADJ
ejif-4433	11	14	managers	manager	NOUN
ejif-4433	11	15	of	of	ADP
ejif-4433	11	16	pakistani	pakistani	ADJ
ejif-4433	11	17	islamic	islamic	ADJ
ejif-4433	11	18	banks	bank	NOUN
ejif-4433	11	19	.	.	PUNCT
ejif-4433	12	1	conclusively	conclusively	ADV
ejif-4433	12	2	,	,	PUNCT
ejif-4433	12	3	finding	find	VERB
ejif-4433	12	4	reveal	reveal	VERB
ejif-4433	12	5	that	that	SCONJ
ejif-4433	12	6	internal	internal	ADJ
ejif-4433	12	7	/	/	SYM
ejif-4433	12	8	bank	bank	NOUN
ejif-4433	12	9	specific	specific	ADJ
ejif-4433	12	10	,	,	PUNCT
ejif-4433	12	11	external	external	ADJ
ejif-4433	12	12	factors	factor	NOUN
ejif-4433	12	13	have	have	VERB
ejif-4433	12	14	significant	significant	ADJ
ejif-4433	12	15	and	and	CCONJ
ejif-4433	12	16	positive	positive	ADJ
ejif-4433	12	17	impact	impact	NOUN
ejif-4433	12	18	on	on	ADP
ejif-4433	12	19	islamic	islamic	PROPN
ejif-4433	12	20	bank	bank	PROPN
ejif-4433	12	21	’s	’s	PART
ejif-4433	12	22	profitability	profitability	NOUN
ejif-4433	12	23	.	.	PUNCT
ejif-4433	13	1	the	the	DET
ejif-4433	13	2	study	study	NOUN
ejif-4433	13	3	provides	provide	VERB
ejif-4433	13	4	clear	clear	ADJ
ejif-4433	13	5	,	,	PUNCT
ejif-4433	13	6	workable	workable	ADJ
ejif-4433	13	7	policy	policy	NOUN
ejif-4433	13	8	recommendations	recommendation	NOUN
ejif-4433	13	9	to	to	PART
ejif-4433	13	10	be	be	AUX
ejif-4433	13	11	followed	follow	VERB
ejif-4433	13	12	both	both	PRON
ejif-4433	13	13	by	by	ADP
ejif-4433	13	14	the	the	DET
ejif-4433	13	15	senior	senior	ADJ
ejif-4433	13	16	banks	bank	NOUN
ejif-4433	13	17	management	management	NOUN
ejif-4433	13	18	as	as	ADV
ejif-4433	13	19	well	well	ADV
ejif-4433	13	20	as	as	ADP
ejif-4433	13	21	the	the	DET
ejif-4433	13	22	regulatory	regulatory	ADJ
ejif-4433	13	23	body	body	NOUN
ejif-4433	13	24	(	(	PUNCT
ejif-4433	13	25	sbp	sbp	NOUN
ejif-4433	13	26	)	)	PUNCT
ejif-4433	13	27	.	.	PUNCT
ejif-4433	14	1	this	this	DET
ejif-4433	14	2	study	study	NOUN
ejif-4433	14	3	is	be	AUX
ejif-4433	14	4	truly	truly	ADV
ejif-4433	14	5	unique	unique	ADJ
ejif-4433	14	6	as	as	SCONJ
ejif-4433	14	7	it	it	PRON
ejif-4433	14	8	clearly	clearly	ADV
ejif-4433	14	9	emphasizes	emphasize	VERB
ejif-4433	14	10	the	the	DET
ejif-4433	14	11	core	core	ADJ
ejif-4433	14	12	weakness	weakness	NOUN
ejif-4433	14	13	within	within	ADP
ejif-4433	14	14	the	the	DET
ejif-4433	14	15	islamic	islamic	ADJ
ejif-4433	14	16	banking	banking	NOUN
ejif-4433	14	17	sector	sector	NOUN
ejif-4433	14	18	of	of	ADP
ejif-4433	14	19	pakistan	pakistan	PROPN
ejif-4433	14	20	and	and	CCONJ
ejif-4433	14	21	provides	provide	VERB
ejif-4433	14	22	practical	practical	ADJ
ejif-4433	14	23	recommendations	recommendation	NOUN
ejif-4433	14	24	and	and	CCONJ
ejif-4433	14	25	suggestions	suggestion	NOUN
ejif-4433	14	26	to	to	PART
ejif-4433	14	27	save	save	VERB
ejif-4433	14	28	this	this	DET
ejif-4433	14	29	declining	decline	VERB
ejif-4433	14	30	sector	sector	NOUN
ejif-4433	14	31	.	.	PUNCT
ejif-4433	15	1	keywords	keyword	NOUN
ejif-4433	15	2	:	:	PUNCT
ejif-4433	15	3	bank	bank	NOUN
ejif-4433	15	4	specific	specific	ADJ
ejif-4433	15	5	factors	factor	NOUN
ejif-4433	15	6	,	,	PUNCT
ejif-4433	15	7	internal	internal	ADJ
ejif-4433	15	8	factors	factor	NOUN
ejif-4433	15	9	,	,	PUNCT
ejif-4433	15	10	environment	environment	NOUN
ejif-4433	15	11	specific	specific	ADJ
ejif-4433	15	12	factors	factor	NOUN
ejif-4433	15	13	,	,	PUNCT
ejif-4433	15	14	external	external	ADJ
ejif-4433	15	15	factors	factor	NOUN
ejif-4433	15	16	,	,	PUNCT
ejif-4433	15	17	profitability	profitability	NOUN
ejif-4433	15	18	,	,	PUNCT
ejif-4433	15	19	quantitative	quantitative	ADJ
ejif-4433	15	20	research	research	NOUN
ejif-4433	15	21	,	,	PUNCT
ejif-4433	15	22	fully	fully	ADV
ejif-4433	15	23	fledged	fledged	ADJ
ejif-4433	15	24	islamic	islamic	ADJ
ejif-4433	15	25	banks	bank	NOUN
ejif-4433	15	26	,	,	PUNCT
ejif-4433	15	27	senior	senior	ADJ
ejif-4433	15	28	managers	manager	NOUN
ejif-4433	15	29	,	,	PUNCT
ejif-4433	15	30	islamic	islamic	PROPN
ejif-4433	15	31	bank	bank	PROPN
ejif-4433	15	32	bulletin	bulletin	NOUN
ejif-4433	15	33	,	,	PUNCT
ejif-4433	15	34	primary	primary	ADJ
ejif-4433	15	35	data	datum	NOUN
ejif-4433	15	36	analysis	analysis	NOUN
ejif-4433	15	37	introduction	introduction	NOUN
ejif-4433	15	38	:	:	PUNCT
ejif-4433	15	39	in	in	ADP
ejif-4433	15	40	global	global	ADJ
ejif-4433	15	41	markets	market	NOUN
ejif-4433	15	42	,	,	PUNCT
ejif-4433	15	43	financial	financial	ADJ
ejif-4433	15	44	institutions	institution	NOUN
ejif-4433	15	45	are	be	AUX
ejif-4433	15	46	the	the	DET
ejif-4433	15	47	major	major	ADJ
ejif-4433	15	48	player	player	NOUN
ejif-4433	15	49	and	and	CCONJ
ejif-4433	15	50	they	they	PRON
ejif-4433	15	51	play	play	VERB
ejif-4433	15	52	a	a	DET
ejif-4433	15	53	vital	vital	ADJ
ejif-4433	15	54	role	role	NOUN
ejif-4433	15	55	in	in	ADP
ejif-4433	15	56	creating	create	VERB
ejif-4433	15	57	and	and	CCONJ
ejif-4433	15	58	running	run	VERB
ejif-4433	15	59	country	country	NOUN
ejif-4433	15	60	’s	’s	PART
ejif-4433	15	61	economy	economy	NOUN
ejif-4433	15	62	efficiently	efficiently	ADV
ejif-4433	16	1	[	[	X
ejif-4433	16	2	19	19	NUM
ejif-4433	16	3	]	]	PUNCT
ejif-4433	16	4	.	.	PUNCT
ejif-4433	17	1	the	the	DET
ejif-4433	17	2	banking	banking	NOUN
ejif-4433	17	3	industry	industry	NOUN
ejif-4433	17	4	is	be	AUX
ejif-4433	17	5	divided	divide	VERB
ejif-4433	17	6	in	in	ADP
ejif-4433	17	7	two	two	NUM
ejif-4433	17	8	parts	part	NOUN
ejif-4433	17	9	;	;	PUNCT
ejif-4433	17	10	one	one	NUM
ejif-4433	17	11	is	be	AUX
ejif-4433	17	12	conventional	conventional	ADJ
ejif-4433	17	13	banking	banking	NOUN
ejif-4433	17	14	system	system	NOUN
ejif-4433	17	15	and	and	CCONJ
ejif-4433	17	16	second	second	ADJ
ejif-4433	17	17	is	be	AUX
ejif-4433	17	18	islamic	islamic	ADJ
ejif-4433	17	19	banking	banking	NOUN
ejif-4433	17	20	system	system	NOUN
ejif-4433	17	21	[	[	X
ejif-4433	17	22	30	30	NUM
ejif-4433	17	23	]	]	PUNCT
ejif-4433	17	24	.	.	PUNCT
ejif-4433	17	25	mailto	mailto	PROPN
ejif-4433	17	26	:	:	PUNCT
ejif-4433	18	1	kiranmaryam23@gmail.com1	kiranmaryam23@gmail.com1	PROPN
ejif-4433	18	2	mailto:masood_omar@hotmail.com	mailto:masood_omar@hotmail.com	X
ejif-4433	18	3	ejif	ejif	PROPN
ejif-4433	18	4	–	–	PUNCT
ejif-4433	18	5	european	european	PROPN
ejif-4433	18	6	journal	journal	PROPN
ejif-4433	18	7	of	of	ADP
ejif-4433	18	8	islamic	islamic	PROPN
ejif-4433	18	9	finance	finance	PROPN
ejif-4433	18	10	no15	no15	PROPN
ejif-4433	18	11	,	,	PUNCT
ejif-4433	18	12	august	august	PROPN
ejif-4433	18	13	(	(	PUNCT
ejif-4433	18	14	2020	2020	NUM
ejif-4433	18	15	)	)	PUNCT
ejif-4433	19	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	19	2	issn	issn	VERB
ejif-4433	19	3	2421	2421	NUM
ejif-4433	19	4	-	-	SYM
ejif-4433	19	5	2172	2172	NUM
ejif-4433	19	6	2	2	NUM
ejif-4433	19	7	in	in	ADP
ejif-4433	19	8	past	past	ADJ
ejif-4433	19	9	decades	decade	NOUN
ejif-4433	19	10	,	,	PUNCT
ejif-4433	19	11	there	there	PRON
ejif-4433	19	12	were	be	VERB
ejif-4433	19	13	only	only	ADV
ejif-4433	19	14	conventional	conventional	ADJ
ejif-4433	19	15	banks	bank	NOUN
ejif-4433	19	16	which	which	PRON
ejif-4433	19	17	perform	perform	VERB
ejif-4433	19	18	operations	operation	NOUN
ejif-4433	19	19	based	base	VERB
ejif-4433	19	20	on	on	ADP
ejif-4433	19	21	interest	interest	NOUN
ejif-4433	19	22	.	.	PUNCT
ejif-4433	20	1	islamic	islamic	ADJ
ejif-4433	20	2	banks	bank	NOUN
ejif-4433	20	3	were	be	AUX
ejif-4433	20	4	introduced	introduce	VERB
ejif-4433	20	5	as	as	ADP
ejif-4433	20	6	the	the	DET
ejif-4433	20	7	result	result	NOUN
ejif-4433	20	8	of	of	ADP
ejif-4433	20	9	conservativism	conservativism	NOUN
ejif-4433	20	10	trend	trend	NOUN
ejif-4433	20	11	,	,	PUNCT
ejif-4433	20	12	in	in	ADP
ejif-4433	20	13	which	which	PRON
ejif-4433	20	14	islam	islam	PROPN
ejif-4433	20	15	followers	follower	NOUN
ejif-4433	20	16	show	show	VERB
ejif-4433	20	17	their	their	PRON
ejif-4433	20	18	need	need	NOUN
ejif-4433	20	19	to	to	PART
ejif-4433	20	20	follow	follow	VERB
ejif-4433	20	21	banking	banking	NOUN
ejif-4433	20	22	practices	practice	NOUN
ejif-4433	20	23	in	in	ADP
ejif-4433	20	24	light	light	NOUN
ejif-4433	20	25	of	of	ADP
ejif-4433	20	26	sharia	sharia	PROPN
ejif-4433	20	27	laws	law	NOUN
ejif-4433	20	28	and	and	CCONJ
ejif-4433	20	29	ensure	ensure	VERB
ejif-4433	20	30	the	the	DET
ejif-4433	20	31	soundness	soundness	NOUN
ejif-4433	20	32	of	of	ADP
ejif-4433	20	33	their	their	PRON
ejif-4433	20	34	muslim	muslim	ADJ
ejif-4433	20	35	economies	economy	NOUN
ejif-4433	20	36	as	as	SCONJ
ejif-4433	20	37	explained	explain	VERB
ejif-4433	20	38	by	by	ADP
ejif-4433	20	39	masood	masood	PROPN
ejif-4433	20	40	,	,	PUNCT
ejif-4433	20	41	(	(	PUNCT
ejif-4433	20	42	2013)[18	2013)[18	NUM
ejif-4433	20	43	]	]	PUNCT
ejif-4433	20	44	.	.	PUNCT
ejif-4433	21	1	in	in	ADP
ejif-4433	21	2	today	today	NOUN
ejif-4433	21	3	’s	’s	PART
ejif-4433	21	4	environment	environment	NOUN
ejif-4433	21	5	where	where	SCONJ
ejif-4433	21	6	high	high	ADJ
ejif-4433	21	7	competition	competition	NOUN
ejif-4433	21	8	is	be	AUX
ejif-4433	21	9	prevailing	prevail	VERB
ejif-4433	21	10	in	in	ADP
ejif-4433	21	11	the	the	DET
ejif-4433	21	12	economy	economy	NOUN
ejif-4433	21	13	,	,	PUNCT
ejif-4433	21	14	in	in	ADP
ejif-4433	21	15	order	order	NOUN
ejif-4433	21	16	to	to	PART
ejif-4433	21	17	retain	retain	VERB
ejif-4433	21	18	customer	customer	NOUN
ejif-4433	21	19	in	in	ADP
ejif-4433	21	20	the	the	DET
ejif-4433	21	21	competitive	competitive	ADJ
ejif-4433	21	22	economy	economy	NOUN
ejif-4433	21	23	,	,	PUNCT
ejif-4433	21	24	financial	financial	ADJ
ejif-4433	21	25	institutions	institution	NOUN
ejif-4433	21	26	are	be	AUX
ejif-4433	21	27	focusing	focus	VERB
ejif-4433	21	28	on	on	ADP
ejif-4433	21	29	some	some	DET
ejif-4433	21	30	essential	essential	ADJ
ejif-4433	21	31	aspects	aspect	NOUN
ejif-4433	21	32	which	which	PRON
ejif-4433	21	33	enhance	enhance	VERB
ejif-4433	21	34	the	the	DET
ejif-4433	21	35	profitability	profitability	NOUN
ejif-4433	21	36	of	of	ADP
ejif-4433	21	37	islamic	islamic	ADJ
ejif-4433	21	38	banking	banking	NOUN
ejif-4433	21	39	sector	sector	NOUN
ejif-4433	21	40	[	[	X
ejif-4433	21	41	3	3	NUM
ejif-4433	21	42	]	]	PUNCT
ejif-4433	21	43	.	.	PUNCT
ejif-4433	22	1	these	these	DET
ejif-4433	22	2	important	important	ADJ
ejif-4433	22	3	factors	factor	NOUN
ejif-4433	22	4	lead	lead	VERB
ejif-4433	22	5	towards	towards	ADP
ejif-4433	22	6	a	a	DET
ejif-4433	22	7	greater	great	ADJ
ejif-4433	22	8	performance	performance	NOUN
ejif-4433	22	9	of	of	ADP
ejif-4433	22	10	financial	financial	ADJ
ejif-4433	22	11	sector	sector	NOUN
ejif-4433	22	12	i.e.	i.e.	X
ejif-4433	22	13	bigger	big	ADJ
ejif-4433	22	14	market	market	NOUN
ejif-4433	22	15	share	share	NOUN
ejif-4433	22	16	and	and	CCONJ
ejif-4433	22	17	better	well	ADJ
ejif-4433	22	18	profitability	profitability	NOUN
ejif-4433	22	19	[	[	X
ejif-4433	22	20	16	16	NUM
ejif-4433	22	21	]	]	PUNCT
ejif-4433	22	22	.	.	PUNCT
ejif-4433	23	1	today	today	NOUN
ejif-4433	23	2	major	major	ADJ
ejif-4433	23	3	problem	problem	NOUN
ejif-4433	23	4	faced	face	VERB
ejif-4433	23	5	by	by	ADP
ejif-4433	23	6	islamic	islamic	ADJ
ejif-4433	23	7	banks	bank	NOUN
ejif-4433	23	8	is	be	AUX
ejif-4433	23	9	the	the	DET
ejif-4433	23	10	decline	decline	NOUN
ejif-4433	23	11	in	in	ADP
ejif-4433	23	12	their	their	PRON
ejif-4433	23	13	profitability	profitability	NOUN
ejif-4433	23	14	and	and	CCONJ
ejif-4433	23	15	there	there	PRON
ejif-4433	23	16	are	be	VERB
ejif-4433	23	17	various	various	ADJ
ejif-4433	23	18	reasons	reason	NOUN
ejif-4433	23	19	that	that	PRON
ejif-4433	23	20	islamic	islamic	ADJ
ejif-4433	23	21	banking	banking	NOUN
ejif-4433	23	22	sector	sector	NOUN
ejif-4433	23	23	is	be	AUX
ejif-4433	23	24	not	not	PART
ejif-4433	23	25	as	as	ADV
ejif-4433	23	26	much	much	ADJ
ejif-4433	23	27	as	as	ADV
ejif-4433	23	28	profitable	profitable	ADJ
ejif-4433	23	29	as	as	ADP
ejif-4433	23	30	compared	compare	VERB
ejif-4433	23	31	to	to	ADP
ejif-4433	23	32	conventional	conventional	ADJ
ejif-4433	23	33	banks	bank	NOUN
ejif-4433	23	34	[	[	X
ejif-4433	23	35	19	19	NUM
ejif-4433	23	36	]	]	PUNCT
ejif-4433	23	37	.	.	PUNCT
ejif-4433	24	1	so	so	ADV
ejif-4433	24	2	,	,	PUNCT
ejif-4433	24	3	focus	focus	NOUN
ejif-4433	24	4	of	of	ADP
ejif-4433	24	5	this	this	DET
ejif-4433	24	6	study	study	NOUN
ejif-4433	24	7	is	be	AUX
ejif-4433	24	8	to	to	PART
ejif-4433	24	9	analyze	analyze	VERB
ejif-4433	24	10	the	the	DET
ejif-4433	24	11	reasons	reason	NOUN
ejif-4433	24	12	and	and	CCONJ
ejif-4433	24	13	factors	factor	NOUN
ejif-4433	24	14	which	which	PRON
ejif-4433	24	15	influence	influence	VERB
ejif-4433	24	16	the	the	DET
ejif-4433	24	17	islamic	islamic	ADJ
ejif-4433	24	18	banking	banking	NOUN
ejif-4433	24	19	sector	sector	NOUN
ejif-4433	24	20	profitability	profitability	NOUN
ejif-4433	24	21	in	in	ADP
ejif-4433	24	22	the	the	DET
ejif-4433	24	23	long	long	ADJ
ejif-4433	24	24	run	run	NOUN
ejif-4433	24	25	.	.	PUNCT
ejif-4433	25	1	this	this	DET
ejif-4433	25	2	study	study	NOUN
ejif-4433	25	3	is	be	AUX
ejif-4433	25	4	considering	consider	VERB
ejif-4433	25	5	eight	eight	NUM
ejif-4433	25	6	major	major	ADJ
ejif-4433	25	7	factors	factor	NOUN
ejif-4433	25	8	(	(	PUNCT
ejif-4433	25	9	quick	quick	ADJ
ejif-4433	25	10	ratio	ratio	NOUN
ejif-4433	25	11	,	,	PUNCT
ejif-4433	25	12	cash	cash	NOUN
ejif-4433	25	13	deposit	deposit	NOUN
ejif-4433	25	14	ratio	ratio	NOUN
ejif-4433	25	15	,	,	PUNCT
ejif-4433	25	16	non	non	ADJ
ejif-4433	25	17	-	-	ADJ
ejif-4433	25	18	performing	performing	ADJ
ejif-4433	25	19	loans	loan	NOUN
ejif-4433	25	20	,	,	PUNCT
ejif-4433	25	21	net	net	ADJ
ejif-4433	25	22	gearing	gearing	NOUN
ejif-4433	25	23	ratio	ratio	NOUN
ejif-4433	25	24	,	,	PUNCT
ejif-4433	25	25	asset	asset	NOUN
ejif-4433	25	26	composition	composition	NOUN
ejif-4433	25	27	ratio	ratio	NOUN
ejif-4433	25	28	,	,	PUNCT
ejif-4433	25	29	service	service	NOUN
ejif-4433	25	30	quality	quality	NOUN
ejif-4433	25	31	,	,	PUNCT
ejif-4433	25	32	religious	religious	ADJ
ejif-4433	25	33	obligation	obligation	NOUN
ejif-4433	25	34	and	and	CCONJ
ejif-4433	25	35	competitive	competitive	ADJ
ejif-4433	25	36	advantage	advantage	NOUN
ejif-4433	25	37	)	)	PUNCT
ejif-4433	25	38	,	,	PUNCT
ejif-4433	25	39	which	which	PRON
ejif-4433	25	40	may	may	AUX
ejif-4433	25	41	influence	influence	VERB
ejif-4433	25	42	the	the	DET
ejif-4433	25	43	islamic	islamic	ADJ
ejif-4433	25	44	banking	banking	NOUN
ejif-4433	25	45	sector	sector	NOUN
ejif-4433	25	46	profitability	profitability	NOUN
ejif-4433	25	47	.	.	PUNCT
ejif-4433	26	1	this	this	DET
ejif-4433	26	2	study	study	NOUN
ejif-4433	26	3	is	be	AUX
ejif-4433	26	4	helpful	helpful	ADJ
ejif-4433	26	5	to	to	PART
ejif-4433	26	6	understand	understand	VERB
ejif-4433	26	7	the	the	DET
ejif-4433	26	8	reasons	reason	NOUN
ejif-4433	26	9	of	of	ADP
ejif-4433	26	10	islamic	islamic	ADJ
ejif-4433	26	11	banks	bank	NOUN
ejif-4433	26	12	profitability	profitability	NOUN
ejif-4433	26	13	decline	decline	NOUN
ejif-4433	26	14	and	and	CCONJ
ejif-4433	26	15	low	low	ADJ
ejif-4433	26	16	market	market	NOUN
ejif-4433	26	17	share	share	NOUN
ejif-4433	27	1	[	[	X
ejif-4433	27	2	18	18	NUM
ejif-4433	27	3	]	]	PUNCT
ejif-4433	27	4	.	.	PUNCT
ejif-4433	28	1	the	the	DET
ejif-4433	28	2	study	study	NOUN
ejif-4433	28	3	will	will	AUX
ejif-4433	28	4	be	be	AUX
ejif-4433	28	5	useful	useful	ADJ
ejif-4433	28	6	for	for	ADP
ejif-4433	28	7	policy	policy	NOUN
ejif-4433	28	8	makers	maker	NOUN
ejif-4433	28	9	and	and	CCONJ
ejif-4433	28	10	practitioners	practitioner	NOUN
ejif-4433	28	11	to	to	PART
ejif-4433	28	12	make	make	VERB
ejif-4433	28	13	new	new	ADJ
ejif-4433	28	14	policies	policy	NOUN
ejif-4433	28	15	for	for	ADP
ejif-4433	28	16	islamic	islamic	ADJ
ejif-4433	28	17	banks	bank	NOUN
ejif-4433	28	18	and	and	CCONJ
ejif-4433	28	19	to	to	PART
ejif-4433	28	20	focus	focus	VERB
ejif-4433	28	21	on	on	ADP
ejif-4433	28	22	major	major	ADJ
ejif-4433	28	23	problem	problem	NOUN
ejif-4433	28	24	faced	face	VERB
ejif-4433	28	25	by	by	ADP
ejif-4433	28	26	islamic	islamic	ADJ
ejif-4433	28	27	banks	bank	NOUN
ejif-4433	28	28	[	[	X
ejif-4433	28	29	13	13	NUM
ejif-4433	28	30	]	]	PUNCT
ejif-4433	28	31	.	.	PUNCT
ejif-4433	29	1	islamic	islamic	ADJ
ejif-4433	29	2	banks	bank	NOUN
ejif-4433	29	3	profitability	profitability	NOUN
ejif-4433	29	4	:	:	PUNCT
ejif-4433	29	5	the	the	DET
ejif-4433	29	6	most	most	ADV
ejif-4433	29	7	common	common	ADJ
ejif-4433	29	8	measure	measure	NOUN
ejif-4433	29	9	used	use	VERB
ejif-4433	29	10	to	to	PART
ejif-4433	29	11	examine	examine	VERB
ejif-4433	29	12	the	the	DET
ejif-4433	29	13	efficiency	efficiency	NOUN
ejif-4433	29	14	of	of	ADP
ejif-4433	29	15	a	a	DET
ejif-4433	29	16	bank	bank	NOUN
ejif-4433	29	17	is	be	AUX
ejif-4433	29	18	called	call	VERB
ejif-4433	29	19	profitability	profitability	NOUN
ejif-4433	29	20	analysis	analysis	NOUN
ejif-4433	29	21	[	[	X
ejif-4433	29	22	15	15	NUM
ejif-4433	29	23	]	]	PUNCT
ejif-4433	29	24	.	.	PUNCT
ejif-4433	30	1	the	the	DET
ejif-4433	30	2	profitability	profitability	NOUN
ejif-4433	30	3	of	of	ADP
ejif-4433	30	4	the	the	DET
ejif-4433	30	5	islamic	islamic	PROPN
ejif-4433	30	6	bank	bank	PROPN
ejif-4433	30	7	is	be	AUX
ejif-4433	30	8	defined	define	VERB
ejif-4433	30	9	as	as	ADP
ejif-4433	30	10	how	how	SCONJ
ejif-4433	30	11	much	much	ADJ
ejif-4433	30	12	profit	profit	NOUN
ejif-4433	30	13	a	a	DET
ejif-4433	30	14	bank	bank	NOUN
ejif-4433	30	15	generates	generate	VERB
ejif-4433	30	16	in	in	ADP
ejif-4433	30	17	respect	respect	NOUN
ejif-4433	30	18	of	of	ADP
ejif-4433	30	19	its	its	PRON
ejif-4433	30	20	operations	operation	NOUN
ejif-4433	30	21	.	.	PUNCT
ejif-4433	31	1	the	the	DET
ejif-4433	31	2	profit	profit	NOUN
ejif-4433	31	3	of	of	ADP
ejif-4433	31	4	banks	bank	NOUN
ejif-4433	31	5	describes	describe	VERB
ejif-4433	31	6	how	how	SCONJ
ejif-4433	31	7	much	much	ADJ
ejif-4433	31	8	bank	bank	NOUN
ejif-4433	31	9	return	return	NOUN
ejif-4433	31	10	is	be	AUX
ejif-4433	31	11	against	against	ADP
ejif-4433	31	12	its	its	PRON
ejif-4433	31	13	paid	pay	VERB
ejif-4433	31	14	taxes	taxis	NOUN
ejif-4433	31	15	and	and	CCONJ
ejif-4433	31	16	other	other	ADJ
ejif-4433	31	17	expenses	expense	NOUN
ejif-4433	31	18	(	(	PUNCT
ejif-4433	31	19	[	[	X
ejif-4433	31	20	17][28	17][28	PROPN
ejif-4433	31	21	]	]	PUNCT
ejif-4433	31	22	)	)	PUNCT
ejif-4433	31	23	.	.	PUNCT
ejif-4433	32	1	the	the	DET
ejif-4433	32	2	most	most	ADV
ejif-4433	32	3	common	common	ADJ
ejif-4433	32	4	measure	measure	NOUN
ejif-4433	32	5	of	of	ADP
ejif-4433	32	6	bank	bank	NOUN
ejif-4433	32	7	performance	performance	NOUN
ejif-4433	32	8	and	and	CCONJ
ejif-4433	32	9	efficiency	efficiency	NOUN
ejif-4433	32	10	is	be	AUX
ejif-4433	32	11	called	call	VERB
ejif-4433	32	12	profitability	profitability	NOUN
ejif-4433	32	13	analysis	analysis	NOUN
ejif-4433	32	14	[	[	X
ejif-4433	32	15	15	15	NUM
ejif-4433	32	16	]	]	PUNCT
ejif-4433	32	17	.	.	PUNCT
ejif-4433	33	1	measuring	measure	VERB
ejif-4433	33	2	the	the	DET
ejif-4433	33	3	profitability	profitability	NOUN
ejif-4433	33	4	of	of	ADP
ejif-4433	33	5	islamic	islamic	ADJ
ejif-4433	33	6	banking	banking	NOUN
ejif-4433	33	7	sector	sector	NOUN
ejif-4433	33	8	is	be	AUX
ejif-4433	33	9	very	very	ADV
ejif-4433	33	10	important	important	ADJ
ejif-4433	33	11	as	as	SCONJ
ejif-4433	33	12	it	it	PRON
ejif-4433	33	13	enables	enable	VERB
ejif-4433	33	14	the	the	DET
ejif-4433	33	15	banking	banking	NOUN
ejif-4433	33	16	system	system	NOUN
ejif-4433	33	17	to	to	PART
ejif-4433	33	18	stay	stay	VERB
ejif-4433	33	19	competitive	competitive	ADJ
ejif-4433	33	20	and	and	CCONJ
ejif-4433	33	21	finance	finance	VERB
ejif-4433	33	22	the	the	DET
ejif-4433	33	23	operations	operation	NOUN
ejif-4433	33	24	of	of	ADP
ejif-4433	33	25	banks	bank	NOUN
ejif-4433	33	26	.	.	PUNCT
ejif-4433	34	1	several	several	ADJ
ejif-4433	34	2	researchers	researcher	NOUN
ejif-4433	34	3	anticipate	anticipate	VERB
ejif-4433	34	4	the	the	DET
ejif-4433	34	5	islamic	islamic	ADJ
ejif-4433	34	6	banking	banking	NOUN
ejif-4433	34	7	sector	sector	NOUN
ejif-4433	34	8	to	to	PART
ejif-4433	34	9	be	be	AUX
ejif-4433	34	10	more	more	ADV
ejif-4433	34	11	profitable	profitable	ADJ
ejif-4433	34	12	than	than	ADP
ejif-4433	34	13	the	the	DET
ejif-4433	34	14	conventional	conventional	ADJ
ejif-4433	34	15	banking	banking	NOUN
ejif-4433	34	16	system	system	NOUN
ejif-4433	34	17	of	of	ADP
ejif-4433	34	18	the	the	DET
ejif-4433	34	19	country	country	NOUN
ejif-4433	34	20	[	[	X
ejif-4433	34	21	4][20][14	4][20][14	PROPN
ejif-4433	34	22	]	]	PUNCT
ejif-4433	34	23	.	.	PUNCT
ejif-4433	35	1	purpose	purpose	NOUN
ejif-4433	35	2	/	/	SYM
ejif-4433	35	3	motivation	motivation	NOUN
ejif-4433	35	4	of	of	ADP
ejif-4433	35	5	study	study	NOUN
ejif-4433	35	6	:	:	PUNCT
ejif-4433	35	7	the	the	DET
ejif-4433	35	8	banking	banking	NOUN
ejif-4433	35	9	sector	sector	NOUN
ejif-4433	35	10	plays	play	VERB
ejif-4433	35	11	a	a	DET
ejif-4433	35	12	vital	vital	ADJ
ejif-4433	35	13	role	role	NOUN
ejif-4433	35	14	in	in	ADP
ejif-4433	35	15	development	development	NOUN
ejif-4433	35	16	of	of	ADP
ejif-4433	35	17	economic	economic	ADJ
ejif-4433	35	18	system	system	NOUN
ejif-4433	35	19	[	[	X
ejif-4433	35	20	23	23	NUM
ejif-4433	35	21	]	]	PUNCT
ejif-4433	35	22	.	.	PUNCT
ejif-4433	36	1	there	there	PRON
ejif-4433	36	2	has	have	AUX
ejif-4433	36	3	been	be	AUX
ejif-4433	36	4	tremendous	tremendous	ADJ
ejif-4433	36	5	growth	growth	NOUN
ejif-4433	36	6	in	in	ADP
ejif-4433	36	7	the	the	DET
ejif-4433	36	8	islamic	islamic	ADJ
ejif-4433	36	9	banking	banking	NOUN
ejif-4433	36	10	sector	sector	NOUN
ejif-4433	36	11	especially	especially	ADV
ejif-4433	36	12	in	in	ADP
ejif-4433	36	13	islamic	islamic	ADJ
ejif-4433	36	14	countries	country	NOUN
ejif-4433	36	15	with	with	ADP
ejif-4433	36	16	regions	region	NOUN
ejif-4433	36	17	like	like	ADP
ejif-4433	36	18	gcc	gcc	NOUN
ejif-4433	36	19	countries	country	NOUN
ejif-4433	36	20	and	and	CCONJ
ejif-4433	36	21	malaysia	malaysia	PROPN
ejif-4433	36	22	leading	lead	VERB
ejif-4433	36	23	the	the	DET
ejif-4433	36	24	way	way	NOUN
ejif-4433	36	25	.	.	PUNCT
ejif-4433	37	1	the	the	DET
ejif-4433	37	2	situation	situation	NOUN
ejif-4433	37	3	in	in	ADP
ejif-4433	37	4	the	the	DET
ejif-4433	37	5	“	"	PUNCT
ejif-4433	37	6	islamic	islamic	PROPN
ejif-4433	37	7	republic	republic	PROPN
ejif-4433	37	8	of	of	ADP
ejif-4433	37	9	pakistan	pakistan	PROPN
ejif-4433	37	10	”	"	PUNCT
ejif-4433	37	11	has	have	AUX
ejif-4433	37	12	been	be	AUX
ejif-4433	37	13	quite	quite	ADV
ejif-4433	37	14	different	different	ADJ
ejif-4433	37	15	where	where	SCONJ
ejif-4433	37	16	there	there	PRON
ejif-4433	37	17	has	have	AUX
ejif-4433	37	18	been	be	AUX
ejif-4433	37	19	a	a	DET
ejif-4433	37	20	steady	steady	ADJ
ejif-4433	37	21	decline	decline	NOUN
ejif-4433	37	22	in	in	ADP
ejif-4433	37	23	the	the	DET
ejif-4433	37	24	total	total	ADJ
ejif-4433	37	25	number	number	NOUN
ejif-4433	37	26	of	of	ADP
ejif-4433	37	27	islamic	islamic	ADJ
ejif-4433	37	28	banks	bank	NOUN
ejif-4433	37	29	and	and	CCONJ
ejif-4433	37	30	their	their	PRON
ejif-4433	37	31	profits	profit	NOUN
ejif-4433	37	32	.	.	PUNCT
ejif-4433	38	1	it	it	PRON
ejif-4433	38	2	is	be	AUX
ejif-4433	38	3	important	important	ADJ
ejif-4433	38	4	to	to	PART
ejif-4433	38	5	identify	identify	VERB
ejif-4433	38	6	the	the	DET
ejif-4433	38	7	reasons	reason	NOUN
ejif-4433	38	8	behind	behind	ADP
ejif-4433	38	9	decline	decline	NOUN
ejif-4433	38	10	and	and	CCONJ
ejif-4433	38	11	failure	failure	NOUN
ejif-4433	38	12	of	of	ADP
ejif-4433	38	13	the	the	DET
ejif-4433	38	14	pakistani	pakistani	ADJ
ejif-4433	38	15	fully	fully	ADV
ejif-4433	38	16	fledged	fledged	ADJ
ejif-4433	38	17	islamic	islamic	ADJ
ejif-4433	38	18	banking	banking	NOUN
ejif-4433	38	19	sector	sector	NOUN
ejif-4433	38	20	.	.	PUNCT
ejif-4433	39	1	therefore	therefore	ADV
ejif-4433	39	2	,	,	PUNCT
ejif-4433	39	3	this	this	DET
ejif-4433	39	4	study	study	NOUN
ejif-4433	39	5	purpose	purpose	NOUN
ejif-4433	39	6	is	be	AUX
ejif-4433	39	7	to	to	PART
ejif-4433	39	8	highlight	highlight	VERB
ejif-4433	39	9	the	the	DET
ejif-4433	39	10	main	main	ADJ
ejif-4433	39	11	reasons	reason	NOUN
ejif-4433	39	12	for	for	ADP
ejif-4433	39	13	the	the	DET
ejif-4433	39	14	decline	decline	NOUN
ejif-4433	39	15	of	of	ADP
ejif-4433	39	16	islamic	islamic	ADJ
ejif-4433	39	17	banking	banking	NOUN
ejif-4433	39	18	profitability	profitability	NOUN
ejif-4433	39	19	in	in	ADP
ejif-4433	39	20	pakistan	pakistan	PROPN
ejif-4433	39	21	.	.	PUNCT
ejif-4433	40	1	according	accord	VERB
ejif-4433	40	2	to	to	ADP
ejif-4433	40	3	sbp	sbp	PROPN
ejif-4433	40	4	,	,	PUNCT
ejif-4433	40	5	islamic	islamic	PROPN
ejif-4433	40	6	bank	bank	PROPN
ejif-4433	40	7	bulletin	bulletin	NOUN
ejif-4433	40	8	2018	2018	NUM
ejif-4433	40	9	3	3	NUM
ejif-4433	40	10	,	,	PUNCT
ejif-4433	40	11	there	there	PRON
ejif-4433	40	12	are	be	VERB
ejif-4433	40	13	currently	currently	ADV
ejif-4433	40	14	four	four	NUM
ejif-4433	40	15	fully	fully	ADV
ejif-4433	40	16	fledged	fledged	ADJ
ejif-4433	40	17	islamic	islamic	ADJ
ejif-4433	40	18	banks	bank	NOUN
ejif-4433	40	19	operating	operate	VERB
ejif-4433	40	20	with	with	ADP
ejif-4433	40	21	12.9	12.9	NUM
ejif-4433	40	22	%	%	NOUN
ejif-4433	40	23	market	market	NOUN
ejif-4433	40	24	share	share	NOUN
ejif-4433	40	25	of	of	ADP
ejif-4433	40	26	pakistan	pakistan	PROPN
ejif-4433	40	27	's	's	PART
ejif-4433	40	28	banking	banking	NOUN
ejif-4433	40	29	industry	industry	NOUN
ejif-4433	40	30	.	.	PUNCT
ejif-4433	41	1	this	this	DET
ejif-4433	41	2	study	study	NOUN
ejif-4433	41	3	encompass	encompass	VERB
ejif-4433	41	4	a	a	DET
ejif-4433	41	5	period	period	NOUN
ejif-4433	41	6	of	of	ADP
ejif-4433	41	7	twelve	twelve	NUM
ejif-4433	41	8	years	year	NOUN
ejif-4433	41	9	(	(	PUNCT
ejif-4433	41	10	2007	2007	NUM
ejif-4433	41	11	to	to	ADP
ejif-4433	41	12	2018	2018	NUM
ejif-4433	41	13	)	)	PUNCT
ejif-4433	41	14	which	which	PRON
ejif-4433	41	15	shows	show	VERB
ejif-4433	41	16	a	a	DET
ejif-4433	41	17	gradual	gradual	ADJ
ejif-4433	41	18	decline	decline	NOUN
ejif-4433	41	19	in	in	ADP
ejif-4433	41	20	the	the	DET
ejif-4433	41	21	total	total	ADJ
ejif-4433	41	22	number	number	NOUN
ejif-4433	41	23	of	of	ADP
ejif-4433	41	24	fully	fully	ADV
ejif-4433	41	25	fledged	fledged	ADJ
ejif-4433	41	26	islamic	islamic	ADJ
ejif-4433	41	27	banks	bank	NOUN
ejif-4433	41	28	in	in	ADP
ejif-4433	41	29	pakistan	pakistan	PROPN
ejif-4433	41	30	and	and	CCONJ
ejif-4433	41	31	gradually	gradually	ADV
ejif-4433	41	32	in	in	ADP
ejif-4433	41	33	the	the	DET
ejif-4433	41	34	reduction	reduction	NOUN
ejif-4433	41	35	of	of	ADP
ejif-4433	41	36	their	their	PRON
ejif-4433	41	37	profits	profit	NOUN
ejif-4433	41	38	.	.	PUNCT
ejif-4433	42	1	this	this	DET
ejif-4433	42	2	study	study	NOUN
ejif-4433	42	3	is	be	AUX
ejif-4433	42	4	very	very	ADV
ejif-4433	42	5	important	important	ADJ
ejif-4433	42	6	in	in	ADP
ejif-4433	42	7	nature	nature	NOUN
ejif-4433	42	8	because	because	SCONJ
ejif-4433	42	9	it	it	PRON
ejif-4433	42	10	identifies	identify	VERB
ejif-4433	42	11	the	the	DET
ejif-4433	42	12	reason	reason	NOUN
ejif-4433	42	13	that	that	SCONJ
ejif-4433	42	14	why	why	SCONJ
ejif-4433	42	15	islamic	islamic	ADJ
ejif-4433	42	16	banks	bank	NOUN
ejif-4433	42	17	are	be	AUX
ejif-4433	42	18	getting	get	VERB
ejif-4433	42	19	bankrupt	bankrupt	ADJ
ejif-4433	42	20	in	in	ADP
ejif-4433	42	21	an	an	DET
ejif-4433	42	22	islamic	islamic	ADJ
ejif-4433	42	23	country	country	NOUN
ejif-4433	42	24	of	of	ADP
ejif-4433	42	25	“	"	PUNCT
ejif-4433	42	26	islamic	islamic	PROPN
ejif-4433	42	27	republic	republic	PROPN
ejif-4433	42	28	of	of	ADP
ejif-4433	42	29	pakistan	pakistan	PROPN
ejif-4433	42	30	”	"	PUNCT
ejif-4433	42	31	.	.	PUNCT
ejif-4433	43	1	according	accord	VERB
ejif-4433	43	2	to	to	ADP
ejif-4433	43	3	previous	previous	ADJ
ejif-4433	43	4	theoretical	theoretical	ADJ
ejif-4433	43	5	background	background	NOUN
ejif-4433	43	6	and	and	CCONJ
ejif-4433	43	7	current	current	ADJ
ejif-4433	43	8	scenario	scenario	NOUN
ejif-4433	43	9	,	,	PUNCT
ejif-4433	43	10	this	this	DET
ejif-4433	43	11	paper	paper	NOUN
ejif-4433	43	12	has	have	AUX
ejif-4433	43	13	identified	identify	VERB
ejif-4433	43	14	various	various	ADJ
ejif-4433	43	15	factors	factor	NOUN
ejif-4433	43	16	/	/	SYM
ejif-4433	43	17	reasons	reason	NOUN
ejif-4433	43	18	of	of	ADP
ejif-4433	43	19	islamic	islamic	ADJ
ejif-4433	43	20	banks	bank	NOUN
ejif-4433	43	21	profitability	profitability	NOUN
ejif-4433	43	22	decline	decline	NOUN
ejif-4433	43	23	.	.	PUNCT
ejif-4433	44	1	the	the	DET
ejif-4433	44	2	factors	factor	NOUN
ejif-4433	44	3	identified	identify	VERB
ejif-4433	44	4	by	by	ADP
ejif-4433	44	5	present	present	ADJ
ejif-4433	44	6	study	study	NOUN
ejif-4433	44	7	are	be	AUX
ejif-4433	44	8	bank	bank	NOUN
ejif-4433	44	9	specific	specific	ADJ
ejif-4433	44	10	/	/	SYM
ejif-4433	44	11	internal	internal	ADJ
ejif-4433	44	12	factors	factor	NOUN
ejif-4433	44	13	and	and	CCONJ
ejif-4433	44	14	external	external	ADJ
ejif-4433	44	15	factors	factor	NOUN
ejif-4433	44	16	.	.	PUNCT
ejif-4433	45	1	this	this	DET
ejif-4433	45	2	study	study	NOUN
ejif-4433	45	3	has	have	AUX
ejif-4433	45	4	tried	try	VERB
ejif-4433	45	5	to	to	PART
ejif-4433	45	6	include	include	VERB
ejif-4433	45	7	all	all	DET
ejif-4433	45	8	aspects	aspect	NOUN
ejif-4433	45	9	and	and	CCONJ
ejif-4433	45	10	problems	problem	NOUN
ejif-4433	45	11	which	which	PRON
ejif-4433	45	12	influence	influence	VERB
ejif-4433	45	13	the	the	DET
ejif-4433	45	14	islamic	islamic	ADJ
ejif-4433	45	15	banking	banking	NOUN
ejif-4433	45	16	industry	industry	NOUN
ejif-4433	45	17	internally	internally	ADV
ejif-4433	45	18	and	and	CCONJ
ejif-4433	45	19	externally	externally	ADV
ejif-4433	45	20	.	.	PUNCT
ejif-4433	46	1	the	the	DET
ejif-4433	46	2	motivation	motivation	NOUN
ejif-4433	46	3	behind	behind	ADP
ejif-4433	46	4	this	this	DET
ejif-4433	46	5	study	study	NOUN
ejif-4433	46	6	is	be	AUX
ejif-4433	46	7	to	to	PART
ejif-4433	46	8	identify	identify	VERB
ejif-4433	46	9	the	the	DET
ejif-4433	46	10	problem	problem	NOUN
ejif-4433	46	11	/	/	SYM
ejif-4433	46	12	reasons	reason	NOUN
ejif-4433	46	13	that	that	PRON
ejif-4433	46	14	why	why	SCONJ
ejif-4433	46	15	islamic	islamic	ADJ
ejif-4433	46	16	banks	bank	NOUN
ejif-4433	46	17	are	be	AUX
ejif-4433	46	18	not	not	PART
ejif-4433	46	19	competitive	competitive	ADJ
ejif-4433	46	20	in	in	ADP
ejif-4433	46	21	an	an	DET
ejif-4433	46	22	islamic	islamic	ADJ
ejif-4433	46	23	country	country	NOUN
ejif-4433	46	24	“	"	PUNCT
ejif-4433	46	25	pakistan	pakistan	PROPN
ejif-4433	46	26	”	"	PUNCT
ejif-4433	46	27	.	.	PUNCT
ejif-4433	47	1	in	in	ADP
ejif-4433	47	2	2007	2007	NUM
ejif-4433	47	3	there	there	PRON
ejif-4433	47	4	were	be	VERB
ejif-4433	47	5	7	7	NUM
ejif-4433	47	6	islamic	islamic	ADJ
ejif-4433	47	7	banks	bank	NOUN
ejif-4433	47	8	including	include	VERB
ejif-4433	47	9	meezan	meezan	PROPN
ejif-4433	47	10	bank	bank	PROPN
ejif-4433	47	11	limited	limit	VERB
ejif-4433	47	12	,	,	PUNCT
ejif-4433	47	13	dubai	dubai	PROPN
ejif-4433	47	14	islamic	islamic	PROPN
ejif-4433	47	15	bank	bank	PROPN
ejif-4433	47	16	,	,	PUNCT
ejif-4433	47	17	bank	bank	PROPN
ejif-4433	47	18	islami	islami	PROPN
ejif-4433	47	19	pakistan	pakistan	PROPN
ejif-4433	47	20	,	,	PUNCT
ejif-4433	47	21	al	al	PROPN
ejif-4433	47	22	-	-	PUNCT
ejif-4433	47	23	baraka	baraka	PROPN
ejif-4433	47	24	(	(	PUNCT
ejif-4433	47	25	pak	pak	PROPN
ejif-4433	47	26	ltd	ltd	PROPN
ejif-4433	47	27	)	)	PUNCT
ejif-4433	47	28	,	,	PUNCT
ejif-4433	47	29	first	first	PROPN
ejif-4433	47	30	dawood	dawood	PROPN
ejif-4433	47	31	islamic	islamic	PROPN
ejif-4433	47	32	bank	bank	PROPN
ejif-4433	47	33	limited	limit	VERB
ejif-4433	47	34	(	(	PUNCT
ejif-4433	47	35	fdibl	fdibl	NOUN
ejif-4433	47	36	)	)	PUNCT
ejif-4433	47	37	,	,	PUNCT
ejif-4433	47	38	burj	burj	PROPN
ejif-4433	47	39	bank	bank	PROPN
ejif-4433	47	40	limited	limit	VERB
ejif-4433	47	41	,	,	PUNCT
ejif-4433	47	42	emirates	emirates	PROPN
ejif-4433	47	43	global	global	PROPN
ejif-4433	47	44	islamic	islamic	PROPN
ejif-4433	47	45	bank	bank	PROPN
ejif-4433	47	46	limited	limit	VERB
ejif-4433	47	47	(	(	PUNCT
ejif-4433	47	48	egibl	egibl	PROPN
ejif-4433	47	49	)	)	PUNCT
ejif-4433	47	50	were	be	AUX
ejif-4433	47	51	working	work	VERB
ejif-4433	47	52	in	in	ADP
ejif-4433	47	53	pakistan	pakistan	PROPN
ejif-4433	47	54	(	(	PUNCT
ejif-4433	47	55	sbp	sbp	PROPN
ejif-4433	47	56	islamic	islamic	PROPN
ejif-4433	47	57	bank	bank	PROPN
ejif-4433	47	58	bulletin	bulletin	NOUN
ejif-4433	47	59	,	,	PUNCT
ejif-4433	47	60	2007	2007	NUM
ejif-4433	47	61	4	4	NUM
ejif-4433	47	62	)	)	PUNCT
ejif-4433	47	63	.	.	PUNCT
ejif-4433	48	1	currently	currently	ADV
ejif-4433	48	2	there	there	PRON
ejif-4433	48	3	are	be	VERB
ejif-4433	48	4	only	only	ADV
ejif-4433	48	5	four	four	NUM
ejif-4433	48	6	fully	fully	ADV
ejif-4433	48	7	fledged	fledge	VERB
ejif-4433	48	8	islamic	islamic	ADJ
ejif-4433	48	9	banks	bank	NOUN
ejif-4433	48	10	working	work	VERB
ejif-4433	48	11	in	in	ADP
ejif-4433	48	12	pakistan	pakistan	PROPN
ejif-4433	48	13	.	.	PUNCT
ejif-4433	49	1	according	accord	VERB
ejif-4433	49	2	to	to	ADP
ejif-4433	49	3	previous	previous	ADJ
ejif-4433	49	4	studies	study	NOUN
ejif-4433	49	5	and	and	CCONJ
ejif-4433	49	6	pilot	pilot	NOUN
ejif-4433	49	7	testing	testing	NOUN
ejif-4433	49	8	results	result	NOUN
ejif-4433	49	9	,	,	PUNCT
ejif-4433	49	10	this	this	DET
ejif-4433	49	11	study	study	NOUN
ejif-4433	49	12	has	have	AUX
ejif-4433	49	13	identified	identify	VERB
ejif-4433	49	14	various	various	ADJ
ejif-4433	49	15	factors	factor	NOUN
ejif-4433	49	16	/	/	SYM
ejif-4433	49	17	reasons	reason	NOUN
ejif-4433	49	18	of	of	ADP
ejif-4433	49	19	decline	decline	NOUN
ejif-4433	49	20	in	in	ADP
ejif-4433	49	21	islamic	islamic	ADJ
ejif-4433	49	22	banks	bank	NOUN
ejif-4433	49	23	profitability	profitability	NOUN
ejif-4433	49	24	and	and	CCONJ
ejif-4433	49	25	these	these	DET
ejif-4433	49	26	factors	factor	NOUN
ejif-4433	49	27	include	include	VERB
ejif-4433	49	28	bank	bank	NOUN
ejif-4433	49	29	specific	specific	ADJ
ejif-4433	49	30	/	/	SYM
ejif-4433	49	31	internal	internal	ADJ
ejif-4433	49	32	factors	factor	NOUN
ejif-4433	49	33	(	(	PUNCT
ejif-4433	49	34	liquidity	liquidity	NOUN
ejif-4433	49	35	ratios	ratio	NOUN
ejif-4433	49	36	)	)	PUNCT
ejif-4433	49	37	and	and	CCONJ
ejif-4433	49	38	environment	environment	NOUN
ejif-4433	49	39	specific	specific	ADJ
ejif-4433	49	40	/	/	SYM
ejif-4433	49	41	external	external	ADJ
ejif-4433	49	42	factors	factor	NOUN
ejif-4433	49	43	.	.	PUNCT
ejif-4433	50	1	lack	lack	NOUN
ejif-4433	50	2	of	of	ADP
ejif-4433	50	3	liquidity	liquidity	NOUN
ejif-4433	50	4	management	management	NOUN
ejif-4433	50	5	(	(	PUNCT
ejif-4433	50	6	such	such	ADJ
ejif-4433	50	7	as	as	ADP
ejif-4433	50	8	marketable	marketable	ADJ
ejif-4433	50	9	securities	security	NOUN
ejif-4433	50	10	,	,	PUNCT
ejif-4433	50	11	treasury	treasury	PROPN
ejif-4433	50	12	bills	bill	NOUN
ejif-4433	50	13	)	)	PUNCT
ejif-4433	50	14	is	be	AUX
ejif-4433	50	15	one	one	NUM
ejif-4433	50	16	of	of	ADP
ejif-4433	50	17	the	the	DET
ejif-4433	50	18	important	important	ADJ
ejif-4433	50	19	issues	issue	NOUN
ejif-4433	50	20	faced	face	VERB
ejif-4433	50	21	by	by	ADP
ejif-4433	50	22	islamic	islamic	ADJ
ejif-4433	50	23	banks	bank	NOUN
ejif-4433	50	24	in	in	ADP
ejif-4433	50	25	pakistan	pakistan	PROPN
ejif-4433	50	26	.	.	PUNCT
ejif-4433	51	1	these	these	DET
ejif-4433	51	2	securities	security	NOUN
ejif-4433	51	3	could	could	AUX
ejif-4433	51	4	be	be	AUX
ejif-4433	51	5	utilized	utilize	VERB
ejif-4433	51	6	either	either	ADV
ejif-4433	51	7	to	to	PART
ejif-4433	51	8	manage	manage	VERB
ejif-4433	51	9	liquidity	liquidity	NOUN
ejif-4433	51	10	excess	excess	NOUN
ejif-4433	51	11	or	or	CCONJ
ejif-4433	51	12	to	to	PART
ejif-4433	51	13	cover	cover	VERB
ejif-4433	51	14	the	the	DET
ejif-4433	51	15	shortage	shortage	NOUN
ejif-4433	51	16	of	of	ADP
ejif-4433	51	17	liquidity	liquidity	NOUN
ejif-4433	51	18	[	[	X
ejif-4433	51	19	3	3	NUM
ejif-4433	51	20	]	]	PUNCT
ejif-4433	51	21	.	.	PUNCT
ejif-4433	52	1	this	this	DET
ejif-4433	52	2	issue	issue	NOUN
ejif-4433	52	3	is	be	AUX
ejif-4433	52	4	aggravated	aggravate	VERB
ejif-4433	52	5	since	since	SCONJ
ejif-4433	52	6	many	many	ADJ
ejif-4433	52	7	islamic	islamic	ADJ
ejif-4433	52	8	banks	bank	NOUN
ejif-4433	52	9	of	of	ADP
ejif-4433	52	10	pakistan	pakistan	PROPN
ejif-4433	52	11	are	be	AUX
ejif-4433	52	12	working	work	VERB
ejif-4433	52	13	under	under	ADP
ejif-4433	52	14	different	different	ADJ
ejif-4433	52	15	operational	operational	ADJ
ejif-4433	52	16	procedures	procedure	NOUN
ejif-4433	52	17	from	from	ADP
ejif-4433	52	18	those	those	PRON
ejif-4433	52	19	of	of	ADP
ejif-4433	52	20	the	the	DET
ejif-4433	52	21	conventional	conventional	ADJ
ejif-4433	52	22	banks	bank	NOUN
ejif-4433	52	23	;	;	PUNCT
ejif-4433	52	24	the	the	DET
ejif-4433	52	25	resulting	result	VERB
ejif-4433	52	26	non	non	ADJ
ejif-4433	52	27	compatibility	compatibility	NOUN
ejif-4433	52	28	prevents	prevent	VERB
ejif-4433	52	29	the	the	DET
ejif-4433	52	30	“	"	PUNCT
ejif-4433	52	31	state	state	NOUN
ejif-4433	52	32	bank	bank	PROPN
ejif-4433	52	33	of	of	ADP
ejif-4433	52	34	pakistan	pakistan	PROPN
ejif-4433	52	35	”	"	PUNCT
ejif-4433	52	36	from	from	ADP
ejif-4433	52	37	giving	give	VERB
ejif-4433	52	38	support	support	NOUN
ejif-4433	52	39	or	or	CCONJ
ejif-4433	52	40	controlling	control	VERB
ejif-4433	52	41	the	the	DET
ejif-4433	52	42	activities	activity	NOUN
ejif-4433	52	43	of	of	ADP
ejif-4433	52	44	3	3	NUM
ejif-4433	52	45	state	state	NOUN
ejif-4433	52	46	bank	bank	PROPN
ejif-4433	52	47	of	of	ADP
ejif-4433	52	48	pakistan	pakistan	PROPN
ejif-4433	52	49	,	,	PUNCT
ejif-4433	52	50	islamic	islamic	ADJ
ejif-4433	52	51	banking	banking	NOUN
ejif-4433	52	52	bulletin	bulletin	NOUN
ejif-4433	52	53	:	:	PUNCT
ejif-4433	52	54	apriljune	apriljune	PROPN
ejif-4433	52	55	2018	2018	NUM
ejif-4433	52	56	,	,	PUNCT
ejif-4433	52	57	islamic	islamic	ADJ
ejif-4433	52	58	banking	banking	NOUN
ejif-4433	52	59	industry	industry	NOUN
ejif-4433	52	60	progress	progress	NOUN
ejif-4433	52	61	&	&	CCONJ
ejif-4433	52	62	market	market	NOUN
ejif-4433	52	63	share	share	VERB
ejif-4433	52	64	4	4	NUM
ejif-4433	52	65	state	state	NOUN
ejif-4433	52	66	bank	bank	PROPN
ejif-4433	52	67	of	of	ADP
ejif-4433	52	68	pakistan	pakistan	PROPN
ejif-4433	52	69	,	,	PUNCT
ejif-4433	52	70	islamic	islamic	ADJ
ejif-4433	52	71	banking	banking	NOUN
ejif-4433	52	72	bulletin	bulletin	NOUN
ejif-4433	52	73	:	:	PUNCT
ejif-4433	52	74	apriljune	apriljune	PROPN
ejif-4433	52	75	2007	2007	NUM
ejif-4433	52	76	,	,	PUNCT
ejif-4433	52	77	islamic	islamic	ADJ
ejif-4433	52	78	banking	banking	NOUN
ejif-4433	52	79	sector	sector	NOUN
ejif-4433	52	80	ejif	ejif	PROPN
ejif-4433	52	81	–	–	PUNCT
ejif-4433	52	82	european	european	PROPN
ejif-4433	52	83	journal	journal	PROPN
ejif-4433	52	84	of	of	ADP
ejif-4433	52	85	islamic	islamic	PROPN
ejif-4433	52	86	finance	finance	PROPN
ejif-4433	52	87	no15	no15	PROPN
ejif-4433	52	88	,	,	PUNCT
ejif-4433	52	89	august	august	PROPN
ejif-4433	52	90	(	(	PUNCT
ejif-4433	52	91	2020	2020	NUM
ejif-4433	52	92	)	)	PUNCT
ejif-4433	53	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	53	2	issn	issn	VERB
ejif-4433	53	3	2421	2421	NUM
ejif-4433	53	4	-	-	SYM
ejif-4433	53	5	2172	2172	NUM
ejif-4433	53	6	3	3	NUM
ejif-4433	53	7	islamic	islamic	ADJ
ejif-4433	53	8	banks	bank	NOUN
ejif-4433	53	9	if	if	SCONJ
ejif-4433	53	10	a	a	DET
ejif-4433	53	11	shortfall	shortfall	NOUN
ejif-4433	53	12	in	in	ADP
ejif-4433	53	13	the	the	DET
ejif-4433	53	14	liquidity	liquidity	NOUN
ejif-4433	53	15	occurs	occur	VERB
ejif-4433	53	16	[	[	X
ejif-4433	53	17	27	27	NUM
ejif-4433	53	18	]	]	PUNCT
ejif-4433	53	19	.	.	PUNCT
ejif-4433	54	1	so	so	ADV
ejif-4433	54	2	,	,	PUNCT
ejif-4433	54	3	the	the	DET
ejif-4433	54	4	liquidity	liquidity	NOUN
ejif-4433	54	5	management	management	NOUN
ejif-4433	54	6	issue	issue	NOUN
ejif-4433	54	7	must	must	AUX
ejif-4433	54	8	come	come	VERB
ejif-4433	54	9	under	under	ADP
ejif-4433	54	10	the	the	DET
ejif-4433	54	11	scrutiny	scrutiny	NOUN
ejif-4433	54	12	and	and	CCONJ
ejif-4433	54	13	active	active	ADJ
ejif-4433	54	14	discussion	discussion	NOUN
ejif-4433	54	15	by	by	ADP
ejif-4433	54	16	the	the	DET
ejif-4433	54	17	involved	involved	ADJ
ejif-4433	54	18	authorities	authority	NOUN
ejif-4433	54	19	in	in	ADP
ejif-4433	54	20	islamic	islamic	PROPN
ejif-4433	54	21	bank	bank	PROPN
ejif-4433	54	22	sector	sector	NOUN
ejif-4433	54	23	of	of	ADP
ejif-4433	54	24	pakistan	pakistan	PROPN
ejif-4433	54	25	.	.	PUNCT
ejif-4433	55	1	aims	aim	NOUN
ejif-4433	55	2	and	and	CCONJ
ejif-4433	55	3	objectives	objective	NOUN
ejif-4433	55	4	of	of	ADP
ejif-4433	55	5	this	this	DET
ejif-4433	55	6	study	study	NOUN
ejif-4433	55	7	are	be	AUX
ejif-4433	55	8	:	:	PUNCT
ejif-4433	55	9	“	"	PUNCT
ejif-4433	55	10	to	to	PART
ejif-4433	55	11	identify	identify	VERB
ejif-4433	55	12	reasons	reason	NOUN
ejif-4433	55	13	of	of	ADP
ejif-4433	55	14	decline	decline	NOUN
ejif-4433	55	15	in	in	ADP
ejif-4433	55	16	profitability	profitability	NOUN
ejif-4433	55	17	/	/	SYM
ejif-4433	55	18	bankruptcy	bankruptcy	NOUN
ejif-4433	55	19	of	of	ADP
ejif-4433	55	20	pakistan	pakistan	PROPN
ejif-4433	55	21	fully	fully	ADV
ejif-4433	55	22	fledged	fledge	VERB
ejif-4433	55	23	islamic	islamic	ADJ
ejif-4433	55	24	banks	bank	NOUN
ejif-4433	55	25	.	.	PUNCT
ejif-4433	55	26	”	"	PUNCT
ejif-4433	56	1	“	"	PUNCT
ejif-4433	56	2	to	to	PART
ejif-4433	56	3	find	find	VERB
ejif-4433	56	4	the	the	DET
ejif-4433	56	5	significant	significant	ADJ
ejif-4433	56	6	relationship	relationship	NOUN
ejif-4433	56	7	between	between	ADP
ejif-4433	56	8	bank	bank	NOUN
ejif-4433	56	9	specific/	specific/	NUM
ejif-4433	56	10	internal	internal	ADJ
ejif-4433	56	11	factors	factor	NOUN
ejif-4433	56	12	(	(	PUNCT
ejif-4433	56	13	non	non	ADJ
ejif-4433	56	14	-	-	ADJ
ejif-4433	56	15	performing	performing	ADJ
ejif-4433	56	16	loans	loan	NOUN
ejif-4433	56	17	,	,	PUNCT
ejif-4433	56	18	net	net	ADJ
ejif-4433	56	19	gearing	gearing	NOUN
ejif-4433	56	20	ratio	ratio	NOUN
ejif-4433	56	21	,	,	PUNCT
ejif-4433	56	22	asset	asset	NOUN
ejif-4433	56	23	composition	composition	NOUN
ejif-4433	56	24	ratio	ratio	NOUN
ejif-4433	56	25	,	,	PUNCT
ejif-4433	56	26	quick	quick	ADJ
ejif-4433	56	27	ratio	ratio	NOUN
ejif-4433	56	28	and	and	CCONJ
ejif-4433	56	29	cash	cash	NOUN
ejif-4433	56	30	deposit	deposit	NOUN
ejif-4433	56	31	ratio	ratio	NOUN
ejif-4433	56	32	)	)	PUNCT
ejif-4433	56	33	and	and	CCONJ
ejif-4433	56	34	islamic	islamic	PROPN
ejif-4433	56	35	bank	bank	PROPN
ejif-4433	56	36	’s	’s	PART
ejif-4433	56	37	profitability	profitability	NOUN
ejif-4433	56	38	.	.	PUNCT
ejif-4433	56	39	”	"	PUNCT
ejif-4433	57	1	“	"	PUNCT
ejif-4433	57	2	to	to	PART
ejif-4433	57	3	examine	examine	VERB
ejif-4433	57	4	that	that	SCONJ
ejif-4433	57	5	weather	weather	NOUN
ejif-4433	57	6	external	external	ADJ
ejif-4433	57	7	factors	factor	NOUN
ejif-4433	57	8	(	(	PUNCT
ejif-4433	57	9	competitive	competitive	ADJ
ejif-4433	57	10	advantage	advantage	NOUN
ejif-4433	57	11	,	,	PUNCT
ejif-4433	57	12	service	service	NOUN
ejif-4433	57	13	quality	quality	NOUN
ejif-4433	57	14	and	and	CCONJ
ejif-4433	57	15	religious	religious	ADJ
ejif-4433	57	16	obligation	obligation	NOUN
ejif-4433	57	17	)	)	PUNCT
ejif-4433	57	18	have	have	VERB
ejif-4433	57	19	significant	significant	ADJ
ejif-4433	57	20	and	and	CCONJ
ejif-4433	57	21	positive	positive	ADJ
ejif-4433	57	22	influence	influence	NOUN
ejif-4433	57	23	on	on	ADP
ejif-4433	57	24	islamic	islamic	PROPN
ejif-4433	57	25	bank	bank	PROPN
ejif-4433	57	26	’s	’s	PART
ejif-4433	57	27	profitability	profitability	NOUN
ejif-4433	57	28	.	.	PUNCT
ejif-4433	57	29	”	"	PUNCT
ejif-4433	58	1	“	"	PUNCT
ejif-4433	58	2	to	to	PART
ejif-4433	58	3	identify	identify	VERB
ejif-4433	58	4	difference	difference	NOUN
ejif-4433	58	5	between	between	ADP
ejif-4433	58	6	four	four	NUM
ejif-4433	58	7	sampled	sample	VERB
ejif-4433	58	8	islamic	islamic	ADJ
ejif-4433	58	9	banks	bank	NOUN
ejif-4433	58	10	in	in	ADP
ejif-4433	58	11	relation	relation	NOUN
ejif-4433	58	12	to	to	ADP
ejif-4433	58	13	their	their	PRON
ejif-4433	58	14	internal	internal	ADJ
ejif-4433	58	15	,	,	PUNCT
ejif-4433	58	16	external	external	ADJ
ejif-4433	58	17	and	and	CCONJ
ejif-4433	58	18	macroeconomic	macroeconomic	ADJ
ejif-4433	58	19	factors	factor	NOUN
ejif-4433	58	20	”	"	PUNCT
ejif-4433	58	21	i.	i.	PROPN
ejif-4433	58	22	literature	literature	PROPN
ejif-4433	58	23	review	review	PROPN
ejif-4433	58	24	:	:	PUNCT
ejif-4433	58	25	literature	literature	NOUN
ejif-4433	58	26	review	review	NOUN
ejif-4433	58	27	chapter	chapter	NOUN
ejif-4433	58	28	explains	explain	VERB
ejif-4433	58	29	the	the	DET
ejif-4433	58	30	theoretical	theoretical	ADJ
ejif-4433	58	31	foundation	foundation	NOUN
ejif-4433	58	32	of	of	ADP
ejif-4433	58	33	study	study	NOUN
ejif-4433	58	34	.	.	PUNCT
ejif-4433	59	1	in	in	ADP
ejif-4433	59	2	pakistan	pakistan	PROPN
ejif-4433	59	3	,	,	PUNCT
ejif-4433	59	4	there	there	PRON
ejif-4433	59	5	is	be	VERB
ejif-4433	59	6	a	a	DET
ejif-4433	59	7	set	set	NOUN
ejif-4433	59	8	of	of	ADP
ejif-4433	59	9	mixed	mixed	ADJ
ejif-4433	59	10	background	background	NOUN
ejif-4433	59	11	in	in	ADP
ejif-4433	59	12	context	context	NOUN
ejif-4433	59	13	of	of	ADP
ejif-4433	59	14	ethnic	ethnic	ADJ
ejif-4433	59	15	and	and	CCONJ
ejif-4433	59	16	religion	religion	NOUN
ejif-4433	59	17	.	.	PUNCT
ejif-4433	60	1	the	the	DET
ejif-4433	60	2	banking	banking	NOUN
ejif-4433	60	3	system	system	NOUN
ejif-4433	60	4	in	in	ADP
ejif-4433	60	5	pakistan	pakistan	PROPN
ejif-4433	60	6	started	start	VERB
ejif-4433	60	7	in	in	ADP
ejif-4433	60	8	1947	1947	NUM
ejif-4433	60	9	after	after	ADP
ejif-4433	60	10	independence	independence	NOUN
ejif-4433	60	11	,	,	PUNCT
ejif-4433	60	12	but	but	CCONJ
ejif-4433	60	13	islamic	islamic	ADJ
ejif-4433	60	14	banking	banking	NOUN
ejif-4433	60	15	started	start	VERB
ejif-4433	60	16	in	in	ADP
ejif-4433	60	17	the	the	DET
ejif-4433	60	18	1980s	1980	NOUN
ejif-4433	60	19	when	when	SCONJ
ejif-4433	60	20	the	the	DET
ejif-4433	60	21	government	government	NOUN
ejif-4433	60	22	had	have	AUX
ejif-4433	60	23	identified	identify	VERB
ejif-4433	60	24	the	the	DET
ejif-4433	60	25	needs	need	NOUN
ejif-4433	60	26	of	of	ADP
ejif-4433	60	27	its	its	PRON
ejif-4433	60	28	customers	customer	NOUN
ejif-4433	60	29	[	[	X
ejif-4433	60	30	30	30	NUM
ejif-4433	60	31	]	]	PUNCT
ejif-4433	60	32	.	.	PUNCT
ejif-4433	61	1	literature	literature	PROPN
ejif-4433	61	2	review	review	PROPN
ejif-4433	61	3	chapter	chapter	NOUN
ejif-4433	61	4	explains	explain	VERB
ejif-4433	61	5	the	the	DET
ejif-4433	61	6	current	current	ADJ
ejif-4433	61	7	situation	situation	NOUN
ejif-4433	61	8	of	of	ADP
ejif-4433	61	9	islamic	islamic	ADJ
ejif-4433	61	10	banking	banking	NOUN
ejif-4433	61	11	system	system	NOUN
ejif-4433	61	12	in	in	ADP
ejif-4433	61	13	pakistan	pakistan	PROPN
ejif-4433	61	14	and	and	CCONJ
ejif-4433	61	15	how	how	SCONJ
ejif-4433	61	16	different	different	ADJ
ejif-4433	61	17	internal	internal	ADJ
ejif-4433	61	18	and	and	CCONJ
ejif-4433	61	19	external	external	ADJ
ejif-4433	61	20	factors	factor	NOUN
ejif-4433	61	21	effect	effect	VERB
ejif-4433	61	22	islamic	islamic	PROPN
ejif-4433	61	23	bank	bank	PROPN
ejif-4433	61	24	’s	’s	PART
ejif-4433	61	25	profitability	profitability	NOUN
ejif-4433	61	26	.	.	PUNCT
ejif-4433	62	1	this	this	DET
ejif-4433	62	2	chapter	chapter	NOUN
ejif-4433	62	3	is	be	AUX
ejif-4433	62	4	divided	divide	VERB
ejif-4433	62	5	into	into	ADP
ejif-4433	62	6	three	three	NUM
ejif-4433	62	7	sections	section	NOUN
ejif-4433	62	8	where	where	SCONJ
ejif-4433	62	9	section	section	NOUN
ejif-4433	62	10	one	one	NOUN
ejif-4433	62	11	explains	explain	VERB
ejif-4433	62	12	the	the	DET
ejif-4433	62	13	islamic	islamic	ADJ
ejif-4433	62	14	banking	banking	NOUN
ejif-4433	62	15	sector	sector	NOUN
ejif-4433	62	16	background	background	NOUN
ejif-4433	62	17	and	and	CCONJ
ejif-4433	62	18	current	current	ADJ
ejif-4433	62	19	situation	situation	NOUN
ejif-4433	62	20	of	of	ADP
ejif-4433	62	21	islamic	islamic	ADJ
ejif-4433	62	22	banks	bank	NOUN
ejif-4433	62	23	in	in	ADP
ejif-4433	62	24	pakistan	pakistan	PROPN
ejif-4433	62	25	.	.	PUNCT
ejif-4433	63	1	section	section	NOUN
ejif-4433	63	2	two	two	NUM
ejif-4433	63	3	explains	explain	VERB
ejif-4433	63	4	relationship	relationship	NOUN
ejif-4433	63	5	analysis	analysis	NOUN
ejif-4433	63	6	and	and	CCONJ
ejif-4433	63	7	third	third	ADJ
ejif-4433	63	8	section	section	NOUN
ejif-4433	63	9	provide	provide	VERB
ejif-4433	63	10	theoretical	theoretical	ADJ
ejif-4433	63	11	support	support	NOUN
ejif-4433	63	12	/	/	SYM
ejif-4433	63	13	foundation	foundation	NOUN
ejif-4433	63	14	of	of	ADP
ejif-4433	63	15	study	study	NOUN
ejif-4433	63	16	.	.	PUNCT
ejif-4433	64	1	section	section	NOUN
ejif-4433	64	2	1	1	NUM
ejif-4433	64	3	:	:	PUNCT
ejif-4433	64	4	islamic	islamic	ADJ
ejif-4433	64	5	banking	banking	NOUN
ejif-4433	64	6	sector	sector	NOUN
ejif-4433	64	7	and	and	CCONJ
ejif-4433	64	8	current	current	ADJ
ejif-4433	64	9	situation	situation	NOUN
ejif-4433	64	10	of	of	ADP
ejif-4433	64	11	pakistan	pakistan	PROPN
ejif-4433	64	12	islamic	islamic	PROPN
ejif-4433	64	13	banks	bank	NOUN
ejif-4433	64	14	1.1	1.1	NUM
ejif-4433	64	15	.	.	PUNCT
ejif-4433	65	1	difference	difference	NOUN
ejif-4433	65	2	between	between	ADP
ejif-4433	65	3	islamic	islamic	ADJ
ejif-4433	65	4	and	and	CCONJ
ejif-4433	65	5	conventional	conventional	ADJ
ejif-4433	65	6	banking	banking	NOUN
ejif-4433	65	7	system	system	NOUN
ejif-4433	65	8	:	:	PUNCT
ejif-4433	65	9	the	the	DET
ejif-4433	65	10	main	main	ADJ
ejif-4433	65	11	objective	objective	NOUN
ejif-4433	65	12	of	of	ADP
ejif-4433	65	13	all	all	DET
ejif-4433	65	14	organization	organization	NOUN
ejif-4433	65	15	is	be	AUX
ejif-4433	65	16	to	to	PART
ejif-4433	65	17	minimize	minimize	VERB
ejif-4433	65	18	their	their	PRON
ejif-4433	65	19	cost	cost	NOUN
ejif-4433	65	20	and	and	CCONJ
ejif-4433	65	21	maximize	maximize	VERB
ejif-4433	65	22	the	the	DET
ejif-4433	65	23	profit	profit	NOUN
ejif-4433	65	24	[	[	X
ejif-4433	65	25	17	17	NUM
ejif-4433	65	26	]	]	PUNCT
ejif-4433	65	27	.	.	PUNCT
ejif-4433	66	1	performance	performance	NOUN
ejif-4433	66	2	/	/	SYM
ejif-4433	66	3	profitability	profitability	NOUN
ejif-4433	66	4	analysis	analysis	NOUN
ejif-4433	66	5	is	be	AUX
ejif-4433	66	6	the	the	DET
ejif-4433	66	7	main	main	ADJ
ejif-4433	66	8	step	step	NOUN
ejif-4433	66	9	to	to	PART
ejif-4433	66	10	measure	measure	VERB
ejif-4433	66	11	the	the	DET
ejif-4433	66	12	efficiency	efficiency	NOUN
ejif-4433	66	13	and	and	CCONJ
ejif-4433	66	14	development	development	NOUN
ejif-4433	66	15	of	of	ADP
ejif-4433	66	16	financial	financial	ADJ
ejif-4433	66	17	institutions	institution	NOUN
ejif-4433	66	18	.	.	PUNCT
ejif-4433	67	1	the	the	DET
ejif-4433	67	2	main	main	ADJ
ejif-4433	67	3	goal	goal	NOUN
ejif-4433	67	4	of	of	ADP
ejif-4433	67	5	interest	interest	NOUN
ejif-4433	67	6	-	-	PUNCT
ejif-4433	67	7	based	base	VERB
ejif-4433	67	8	banks	bank	NOUN
ejif-4433	67	9	(	(	PUNCT
ejif-4433	67	10	commercial	commercial	ADJ
ejif-4433	67	11	banks	bank	NOUN
ejif-4433	67	12	)	)	PUNCT
ejif-4433	67	13	is	be	AUX
ejif-4433	67	14	to	to	PART
ejif-4433	67	15	earn	earn	VERB
ejif-4433	67	16	profit	profit	NOUN
ejif-4433	67	17	and	and	CCONJ
ejif-4433	67	18	to	to	PART
ejif-4433	67	19	achieve	achieve	VERB
ejif-4433	67	20	this	this	DET
ejif-4433	67	21	key	key	ADJ
ejif-4433	67	22	objective	objective	NOUN
ejif-4433	67	23	of	of	ADP
ejif-4433	67	24	profit	profit	NOUN
ejif-4433	67	25	maximization	maximization	NOUN
ejif-4433	67	26	;	;	PUNCT
ejif-4433	67	27	they	they	PRON
ejif-4433	67	28	continue	continue	VERB
ejif-4433	67	29	their	their	PRON
ejif-4433	67	30	operations	operation	NOUN
ejif-4433	67	31	and	and	CCONJ
ejif-4433	67	32	provide	provide	VERB
ejif-4433	67	33	their	their	PRON
ejif-4433	67	34	services	service	NOUN
ejif-4433	67	35	to	to	ADP
ejif-4433	67	36	customers	customer	NOUN
ejif-4433	67	37	[	[	X
ejif-4433	67	38	16	16	NUM
ejif-4433	67	39	]	]	PUNCT
ejif-4433	67	40	.	.	PUNCT
ejif-4433	68	1	while	while	SCONJ
ejif-4433	68	2	on	on	ADP
ejif-4433	68	3	the	the	DET
ejif-4433	68	4	other	other	ADJ
ejif-4433	68	5	hand	hand	NOUN
ejif-4433	68	6	interest	interest	NOUN
ejif-4433	68	7	-	-	PUNCT
ejif-4433	68	8	free	free	ADJ
ejif-4433	68	9	islamic	islamic	ADJ
ejif-4433	68	10	banks	bank	NOUN
ejif-4433	68	11	also	also	ADV
ejif-4433	68	12	do	do	AUX
ejif-4433	68	13	have	have	VERB
ejif-4433	68	14	profit	profit	NOUN
ejif-4433	68	15	earnings	earning	NOUN
ejif-4433	68	16	as	as	ADP
ejif-4433	68	17	their	their	PRON
ejif-4433	68	18	key	key	ADJ
ejif-4433	68	19	objective	objective	NOUN
ejif-4433	68	20	for	for	ADP
ejif-4433	68	21	operating	operate	VERB
ejif-4433	68	22	,	,	PUNCT
ejif-4433	68	23	but	but	CCONJ
ejif-4433	68	24	these	these	DET
ejif-4433	68	25	banks	bank	NOUN
ejif-4433	68	26	seek	seek	VERB
ejif-4433	68	27	to	to	PART
ejif-4433	68	28	achieve	achieve	VERB
ejif-4433	68	29	social	social	ADJ
ejif-4433	68	30	and	and	CCONJ
ejif-4433	68	31	economic	economic	ADJ
ejif-4433	68	32	prosperity	prosperity	NOUN
ejif-4433	68	33	without	without	ADP
ejif-4433	68	34	the	the	DET
ejif-4433	68	35	exploitation	exploitation	NOUN
ejif-4433	68	36	of	of	ADP
ejif-4433	68	37	their	their	PRON
ejif-4433	68	38	customers	customer	NOUN
ejif-4433	69	1	[	[	X
ejif-4433	69	2	1	1	NUM
ejif-4433	69	3	]	]	PUNCT
ejif-4433	69	4	.	.	PUNCT
ejif-4433	70	1	as	as	SCONJ
ejif-4433	70	2	the	the	DET
ejif-4433	70	3	interestfree	interestfree	ADJ
ejif-4433	70	4	and	and	CCONJ
ejif-4433	70	5	interest	interest	NOUN
ejif-4433	70	6	-	-	PUNCT
ejif-4433	70	7	based	base	VERB
ejif-4433	70	8	banks	bank	NOUN
ejif-4433	70	9	are	be	AUX
ejif-4433	70	10	operating	operate	VERB
ejif-4433	70	11	at	at	ADP
ejif-4433	70	12	different	different	ADJ
ejif-4433	70	13	principles	principle	NOUN
ejif-4433	70	14	.	.	PUNCT
ejif-4433	71	1	the	the	DET
ejif-4433	71	2	study	study	NOUN
ejif-4433	71	3	findings	finding	NOUN
ejif-4433	71	4	discovered	discover	VERB
ejif-4433	71	5	that	that	SCONJ
ejif-4433	71	6	in	in	ADP
ejif-4433	71	7	term	term	NOUN
ejif-4433	71	8	of	of	ADP
ejif-4433	71	9	profitability/	profitability/	NUM
ejif-4433	71	10	performance	performance	NOUN
ejif-4433	71	11	of	of	ADP
ejif-4433	71	12	both	both	DET
ejif-4433	71	13	banks	bank	NOUN
ejif-4433	71	14	(	(	PUNCT
ejif-4433	71	15	interest	interest	NOUN
ejif-4433	71	16	based	base	VERB
ejif-4433	71	17	and	and	CCONJ
ejif-4433	71	18	interest	interest	NOUN
ejif-4433	71	19	free	free	ADJ
ejif-4433	71	20	)	)	PUNCT
ejif-4433	71	21	there	there	PRON
ejif-4433	71	22	is	be	VERB
ejif-4433	71	23	no	no	DET
ejif-4433	71	24	significant	significant	ADJ
ejif-4433	71	25	difference	difference	NOUN
ejif-4433	71	26	,	,	PUNCT
ejif-4433	71	27	while	while	SCONJ
ejif-4433	71	28	in	in	ADP
ejif-4433	71	29	term	term	NOUN
ejif-4433	71	30	of	of	ADP
ejif-4433	71	31	credit	credit	NOUN
ejif-4433	71	32	performance	performance	NOUN
ejif-4433	71	33	there	there	PRON
ejif-4433	71	34	is	be	VERB
ejif-4433	71	35	significant	significant	ADJ
ejif-4433	71	36	difference	difference	NOUN
ejif-4433	71	37	of	of	ADP
ejif-4433	71	38	interest	interest	NOUN
ejif-4433	71	39	based	base	VERB
ejif-4433	71	40	as	as	ADP
ejif-4433	71	41	compare	compare	NOUN
ejif-4433	71	42	to	to	ADP
ejif-4433	71	43	interest	interest	NOUN
ejif-4433	71	44	free	free	ADJ
ejif-4433	71	45	banks[32	banks[32	PROPN
ejif-4433	71	46	]	]	PUNCT
ejif-4433	71	47	.	.	PUNCT
ejif-4433	72	1	1.2	1.2	NUM
ejif-4433	72	2	.	.	PUNCT
ejif-4433	72	3	history	history	NOUN
ejif-4433	72	4	of	of	ADP
ejif-4433	72	5	islamic	islamic	ADJ
ejif-4433	72	6	banks	bank	NOUN
ejif-4433	72	7	in	in	ADP
ejif-4433	72	8	pakistan	pakistan	PROPN
ejif-4433	72	9	in	in	ADP
ejif-4433	72	10	1980	1980	NUM
ejif-4433	72	11	,	,	PUNCT
ejif-4433	72	12	zia	zia	PROPN
ejif-4433	72	13	-	-	PROPN
ejif-4433	72	14	ul	ul	INTJ
ejif-4433	72	15	-	-	PUNCT
ejif-4433	72	16	haq	haq	PROPN
ejif-4433	72	17	a	a	DET
ejif-4433	72	18	president	president	NOUN
ejif-4433	72	19	of	of	ADP
ejif-4433	72	20	pakistan	pakistan	PROPN
ejif-4433	72	21	has	have	AUX
ejif-4433	72	22	developed	develop	VERB
ejif-4433	72	23	the	the	DET
ejif-4433	72	24	islamic	islamic	ADJ
ejif-4433	72	25	financial	financial	ADJ
ejif-4433	72	26	system	system	NOUN
ejif-4433	72	27	under	under	ADP
ejif-4433	72	28	zia	zia	PROPN
ejif-4433	72	29	’s	’s	PART
ejif-4433	72	30	islamisation	islamisation	PROPN
ejif-4433	72	31	process	process	NOUN
ejif-4433	72	32	.	.	PUNCT
ejif-4433	73	1	for	for	ADP
ejif-4433	73	2	this	this	DET
ejif-4433	73	3	purpose	purpose	NOUN
ejif-4433	73	4	,	,	PUNCT
ejif-4433	73	5	economical	economical	ADJ
ejif-4433	73	6	and	and	CCONJ
ejif-4433	73	7	financial	financial	ADJ
ejif-4433	73	8	segments	segment	NOUN
ejif-4433	73	9	were	be	AUX
ejif-4433	73	10	designed	design	VERB
ejif-4433	73	11	to	to	PART
ejif-4433	73	12	innovate	innovate	VERB
ejif-4433	73	13	with	with	ADP
ejif-4433	73	14	islamic	islamic	PROPN
ejif-4433	73	15	shariah	shariah	PROPN
ejif-4433	73	16	principles	principle	NOUN
ejif-4433	73	17	[	[	X
ejif-4433	73	18	13	13	NUM
ejif-4433	73	19	]	]	PUNCT
ejif-4433	73	20	.	.	PUNCT
ejif-4433	74	1	at	at	ADP
ejif-4433	74	2	that	that	DET
ejif-4433	74	3	time	time	NOUN
ejif-4433	74	4	banks	bank	NOUN
ejif-4433	74	5	were	be	AUX
ejif-4433	74	6	supposed	suppose	VERB
ejif-4433	74	7	to	to	PART
ejif-4433	74	8	start	start	VERB
ejif-4433	74	9	their	their	PRON
ejif-4433	74	10	operations	operation	NOUN
ejif-4433	74	11	but	but	CCONJ
ejif-4433	74	12	some	some	DET
ejif-4433	74	13	islamic	islamic	ADJ
ejif-4433	74	14	scholars	scholar	NOUN
ejif-4433	74	15	and	and	CCONJ
ejif-4433	74	16	ulmma	ulmma	PROPN
ejif-4433	74	17	gave	give	VERB
ejif-4433	74	18	reservations	reservation	NOUN
ejif-4433	74	19	on	on	ADP
ejif-4433	74	20	islamic	islamic	ADJ
ejif-4433	74	21	banking	banking	NOUN
ejif-4433	74	22	principles	principle	NOUN
ejif-4433	74	23	.	.	PUNCT
ejif-4433	75	1	at	at	ADP
ejif-4433	75	2	the	the	DET
ejif-4433	75	3	end	end	NOUN
ejif-4433	75	4	in	in	ADP
ejif-4433	75	5	1991	1991	NUM
ejif-4433	75	6	,	,	PUNCT
ejif-4433	75	7	the	the	DET
ejif-4433	75	8	supreme	supreme	PROPN
ejif-4433	75	9	court	court	PROPN
ejif-4433	75	10	of	of	ADP
ejif-4433	75	11	pakistan	pakistan	PROPN
ejif-4433	75	12	decided	decide	VERB
ejif-4433	75	13	about	about	ADP
ejif-4433	75	14	riba	riba	PROPN
ejif-4433	75	15	under	under	ADP
ejif-4433	75	16	shariah	shariah	PROPN
ejif-4433	75	17	law	law	NOUN
ejif-4433	75	18	.	.	PUNCT
ejif-4433	76	1	zaidi	zaidi	PROPN
ejif-4433	76	2	(	(	PUNCT
ejif-4433	76	3	2003	2003	NUM
ejif-4433	76	4	)	)	PUNCT
ejif-4433	77	1	[	[	X
ejif-4433	77	2	11	11	NUM
ejif-4433	77	3	]	]	PUNCT
ejif-4433	77	4	stated	state	VERB
ejif-4433	77	5	that	that	SCONJ
ejif-4433	77	6	after	after	ADP
ejif-4433	77	7	this	this	DET
ejif-4433	77	8	historic	historic	ADJ
ejif-4433	77	9	decision	decision	NOUN
ejif-4433	77	10	,	,	PUNCT
ejif-4433	77	11	the	the	DET
ejif-4433	77	12	government	government	NOUN
ejif-4433	77	13	of	of	ADP
ejif-4433	77	14	pakistan	pakistan	PROPN
ejif-4433	77	15	was	be	AUX
ejif-4433	77	16	ordered	order	VERB
ejif-4433	77	17	to	to	PART
ejif-4433	77	18	execute	execute	VERB
ejif-4433	77	19	the	the	DET
ejif-4433	77	20	islamic	islamic	ADJ
ejif-4433	77	21	financial	financial	ADJ
ejif-4433	77	22	system	system	NOUN
ejif-4433	77	23	in	in	ADP
ejif-4433	77	24	the	the	DET
ejif-4433	77	25	country	country	NOUN
ejif-4433	77	26	.	.	PUNCT
ejif-4433	78	1	the	the	DET
ejif-4433	78	2	main	main	ADJ
ejif-4433	78	3	purpose	purpose	NOUN
ejif-4433	78	4	of	of	ADP
ejif-4433	78	5	islamic	islamic	ADJ
ejif-4433	78	6	financial	financial	ADJ
ejif-4433	78	7	institutions	institution	NOUN
ejif-4433	78	8	in	in	ADP
ejif-4433	78	9	pakistan	pakistan	PROPN
ejif-4433	78	10	was	be	AUX
ejif-4433	78	11	to	to	PART
ejif-4433	78	12	initiate	initiate	VERB
ejif-4433	78	13	the	the	DET
ejif-4433	78	14	islamic	islamic	ADJ
ejif-4433	78	15	policies	policy	NOUN
ejif-4433	78	16	.	.	PUNCT
ejif-4433	79	1	according	accord	VERB
ejif-4433	79	2	to	to	ADP
ejif-4433	79	3	islamic	islamic	PROPN
ejif-4433	79	4	shariah	shariah	PROPN
ejif-4433	79	5	law	law	PROPN
ejif-4433	79	6	,	,	PUNCT
ejif-4433	79	7	it	it	PRON
ejif-4433	79	8	was	be	AUX
ejif-4433	79	9	decided	decide	VERB
ejif-4433	79	10	that	that	SCONJ
ejif-4433	79	11	to	to	PART
ejif-4433	79	12	promote	promote	VERB
ejif-4433	79	13	islamic	islamic	ADJ
ejif-4433	79	14	banking	banking	NOUN
ejif-4433	79	15	parallel	parallel	NOUN
ejif-4433	79	16	to	to	ADP
ejif-4433	79	17	the	the	DET
ejif-4433	79	18	conventional	conventional	ADJ
ejif-4433	79	19	banking	banking	NOUN
ejif-4433	79	20	system	system	NOUN
ejif-4433	79	21	.	.	PUNCT
ejif-4433	80	1	moreover	moreover	ADV
ejif-4433	80	2	,	,	PUNCT
ejif-4433	80	3	akhtar	akhtar	PROPN
ejif-4433	80	4	,	,	PUNCT
ejif-4433	80	5	(	(	PUNCT
ejif-4433	80	6	2007)[3	2007)[3	NOUN
ejif-4433	80	7	]	]	PUNCT
ejif-4433	80	8	has	have	AUX
ejif-4433	80	9	stated	state	VERB
ejif-4433	80	10	that	that	SCONJ
ejif-4433	80	11	the	the	DET
ejif-4433	80	12	state	state	NOUN
ejif-4433	80	13	bank	bank	PROPN
ejif-4433	80	14	of	of	ADP
ejif-4433	80	15	pakistan	pakistan	PROPN
ejif-4433	80	16	also	also	ADV
ejif-4433	80	17	promote	promote	VERB
ejif-4433	80	18	and	and	CCONJ
ejif-4433	80	19	permit	permit	VERB
ejif-4433	80	20	islamic	islamic	PROPN
ejif-4433	80	21	shariah	shariah	PROPN
ejif-4433	80	22	branches	branch	NOUN
ejif-4433	80	23	in	in	ADP
ejif-4433	80	24	each	each	PRON
ejif-4433	80	25	of	of	ADP
ejif-4433	80	26	the	the	DET
ejif-4433	80	27	conventional	conventional	ADJ
ejif-4433	80	28	banks[31	banks[31	NOUN
ejif-4433	80	29	]	]	X
ejif-4433	80	30	.	.	PUNCT
ejif-4433	81	1	1.3	1.3	NUM
ejif-4433	81	2	.	.	PUNCT
ejif-4433	82	1	current	current	ADJ
ejif-4433	82	2	situation	situation	NOUN
ejif-4433	82	3	of	of	ADP
ejif-4433	82	4	islamic	islamic	ADJ
ejif-4433	82	5	banking	banking	NOUN
ejif-4433	82	6	in	in	ADP
ejif-4433	82	7	pakistan	pakistan	PROPN
ejif-4433	82	8	being	be	AUX
ejif-4433	82	9	a	a	DET
ejif-4433	82	10	muslim	muslim	ADJ
ejif-4433	82	11	country	country	NOUN
ejif-4433	82	12	,	,	PUNCT
ejif-4433	82	13	pakistan	pakistan	PROPN
ejif-4433	82	14	has	have	VERB
ejif-4433	82	15	a	a	DET
ejif-4433	82	16	favourable	favourable	ADJ
ejif-4433	82	17	ground	ground	NOUN
ejif-4433	82	18	for	for	SCONJ
ejif-4433	82	19	islamic	islamic	ADJ
ejif-4433	82	20	banking	banking	NOUN
ejif-4433	82	21	to	to	PART
ejif-4433	82	22	grow	grow	VERB
ejif-4433	82	23	and	and	CCONJ
ejif-4433	82	24	explore	explore	VERB
ejif-4433	82	25	more	more	ADJ
ejif-4433	82	26	opportunities	opportunity	NOUN
ejif-4433	82	27	.	.	PUNCT
ejif-4433	83	1	as	as	ADP
ejif-4433	83	2	per	per	ADP
ejif-4433	83	3	the	the	DET
ejif-4433	83	4	teaching	teaching	NOUN
ejif-4433	83	5	of	of	ADP
ejif-4433	83	6	islam	islam	PROPN
ejif-4433	83	7	riba	riba	PROPN
ejif-4433	83	8	(	(	PUNCT
ejif-4433	83	9	interest	interest	NOUN
ejif-4433	83	10	)	)	PUNCT
ejif-4433	83	11	is	be	AUX
ejif-4433	83	12	strictly	strictly	ADV
ejif-4433	83	13	prohibited	prohibit	VERB
ejif-4433	83	14	,	,	PUNCT
ejif-4433	83	15	it	it	PRON
ejif-4433	83	16	was	be	AUX
ejif-4433	83	17	a	a	DET
ejif-4433	83	18	solid	solid	ADJ
ejif-4433	83	19	ground	ground	NOUN
ejif-4433	83	20	to	to	PART
ejif-4433	83	21	practice	practice	VERB
ejif-4433	83	22	islamic	islamic	ADJ
ejif-4433	83	23	banking	banking	NOUN
ejif-4433	83	24	after	after	ADP
ejif-4433	83	25	the	the	DET
ejif-4433	83	26	independence	independence	NOUN
ejif-4433	83	27	of	of	ADP
ejif-4433	83	28	pakistan	pakistan	PROPN
ejif-4433	83	29	.	.	PUNCT
ejif-4433	84	1	after	after	ADP
ejif-4433	84	2	independence	independence	NOUN
ejif-4433	84	3	,	,	PUNCT
ejif-4433	84	4	the	the	DET
ejif-4433	84	5	country	country	NOUN
ejif-4433	84	6	had	have	VERB
ejif-4433	84	7	no	no	DET
ejif-4433	84	8	trained	train	VERB
ejif-4433	84	9	and	and	CCONJ
ejif-4433	84	10	skilled	skilled	ADJ
ejif-4433	84	11	workforce	workforce	NOUN
ejif-4433	84	12	and	and	CCONJ
ejif-4433	84	13	there	there	PRON
ejif-4433	84	14	was	be	VERB
ejif-4433	84	15	also	also	ADV
ejif-4433	84	16	no	no	DET
ejif-4433	84	17	infrastructure	infrastructure	NOUN
ejif-4433	84	18	available	available	ADJ
ejif-4433	84	19	[	[	X
ejif-4433	84	20	28	28	NUM
ejif-4433	84	21	]	]	PUNCT
ejif-4433	84	22	.	.	PUNCT
ejif-4433	85	1	the	the	DET
ejif-4433	85	2	country	country	NOUN
ejif-4433	85	3	has	have	AUX
ejif-4433	85	4	been	be	AUX
ejif-4433	85	5	faced	face	VERB
ejif-4433	85	6	with	with	ADP
ejif-4433	85	7	many	many	ADJ
ejif-4433	85	8	problems	problem	NOUN
ejif-4433	85	9	and	and	CCONJ
ejif-4433	85	10	challenges	challenge	NOUN
ejif-4433	85	11	,	,	PUNCT
ejif-4433	85	12	and	and	CCONJ
ejif-4433	85	13	most	most	ADJ
ejif-4433	85	14	focus	focus	NOUN
ejif-4433	85	15	has	have	AUX
ejif-4433	85	16	been	be	AUX
ejif-4433	85	17	paid	pay	VERB
ejif-4433	85	18	to	to	ADP
ejif-4433	85	19	these	these	DET
ejif-4433	85	20	challenges	challenge	NOUN
ejif-4433	85	21	.	.	PUNCT
ejif-4433	86	1	the	the	DET
ejif-4433	86	2	country	country	NOUN
ejif-4433	86	3	was	be	AUX
ejif-4433	86	4	following	follow	VERB
ejif-4433	86	5	traditional	traditional	ADJ
ejif-4433	86	6	banking	banking	NOUN
ejif-4433	86	7	and	and	CCONJ
ejif-4433	86	8	left	leave	VERB
ejif-4433	86	9	by	by	ADP
ejif-4433	86	10	islamic	islamic	ADJ
ejif-4433	86	11	ethics	ethic	NOUN
ejif-4433	86	12	and	and	CCONJ
ejif-4433	86	13	norms	norm	VERB
ejif-4433	86	14	[	[	X
ejif-4433	86	15	13	13	NUM
ejif-4433	86	16	]	]	PUNCT
ejif-4433	86	17	.	.	PUNCT
ejif-4433	87	1	it	it	PRON
ejif-4433	87	2	has	have	AUX
ejif-4433	87	3	recently	recently	ADV
ejif-4433	87	4	been	be	AUX
ejif-4433	87	5	accepted	accept	VERB
ejif-4433	87	6	that	that	SCONJ
ejif-4433	87	7	islamic	islamic	ADJ
ejif-4433	87	8	banking	banking	NOUN
ejif-4433	87	9	system	system	NOUN
ejif-4433	87	10	laws	law	NOUN
ejif-4433	87	11	,	,	PUNCT
ejif-4433	87	12	standards	standard	NOUN
ejif-4433	87	13	,	,	PUNCT
ejif-4433	87	14	and	and	CCONJ
ejif-4433	87	15	ethics	ethic	NOUN
ejif-4433	87	16	are	be	AUX
ejif-4433	87	17	being	be	AUX
ejif-4433	87	18	ignored	ignore	VERB
ejif-4433	87	19	in	in	ADP
ejif-4433	87	20	islamic	islamic	ADJ
ejif-4433	87	21	ejif	ejif	PROPN
ejif-4433	87	22	–	–	PUNCT
ejif-4433	87	23	european	european	PROPN
ejif-4433	87	24	journal	journal	PROPN
ejif-4433	87	25	of	of	ADP
ejif-4433	87	26	islamic	islamic	PROPN
ejif-4433	87	27	finance	finance	PROPN
ejif-4433	87	28	no15	no15	PROPN
ejif-4433	87	29	,	,	PUNCT
ejif-4433	87	30	august	august	PROPN
ejif-4433	87	31	(	(	PUNCT
ejif-4433	87	32	2020	2020	NUM
ejif-4433	87	33	)	)	PUNCT
ejif-4433	88	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	88	2	issn	issn	VERB
ejif-4433	88	3	2421	2421	NUM
ejif-4433	88	4	-	-	SYM
ejif-4433	88	5	2172	2172	NUM
ejif-4433	88	6	4	4	NUM
ejif-4433	88	7	state	state	NOUN
ejif-4433	88	8	.	.	PUNCT
ejif-4433	89	1	therefore	therefore	ADV
ejif-4433	89	2	,	,	PUNCT
ejif-4433	89	3	the	the	DET
ejif-4433	89	4	focus	focus	NOUN
ejif-4433	89	5	has	have	AUX
ejif-4433	89	6	been	be	AUX
ejif-4433	89	7	directed	direct	VERB
ejif-4433	89	8	towards	towards	ADP
ejif-4433	89	9	the	the	DET
ejif-4433	89	10	islamic	islamic	ADJ
ejif-4433	89	11	banking	banking	NOUN
ejif-4433	89	12	system	system	NOUN
ejif-4433	89	13	and	and	CCONJ
ejif-4433	89	14	the	the	DET
ejif-4433	89	15	laws	law	NOUN
ejif-4433	89	16	for	for	ADP
ejif-4433	89	17	islamic	islamic	ADJ
ejif-4433	89	18	banking	banking	NOUN
ejif-4433	89	19	have	have	AUX
ejif-4433	89	20	been	be	AUX
ejif-4433	89	21	formulated	formulate	VERB
ejif-4433	89	22	[	[	PUNCT
ejif-4433	89	23	11	11	NUM
ejif-4433	89	24	]	]	PUNCT
ejif-4433	89	25	.	.	PUNCT
ejif-4433	90	1	an	an	DET
ejif-4433	90	2	extensive	extensive	ADJ
ejif-4433	90	3	growth	growth	NOUN
ejif-4433	90	4	was	be	AUX
ejif-4433	90	5	witnessed	witness	VERB
ejif-4433	90	6	in	in	ADP
ejif-4433	90	7	the	the	DET
ejif-4433	90	8	islamic	islamic	ADJ
ejif-4433	90	9	banking	banking	NOUN
ejif-4433	90	10	sector	sector	NOUN
ejif-4433	90	11	from	from	ADP
ejif-4433	90	12	2002	2002	NUM
ejif-4433	90	13	to	to	ADP
ejif-4433	90	14	2010	2010	NUM
ejif-4433	90	15	.	.	PUNCT
ejif-4433	91	1	although	although	SCONJ
ejif-4433	91	2	the	the	DET
ejif-4433	91	3	growth	growth	NOUN
ejif-4433	91	4	-	-	PUNCT
ejif-4433	91	5	share	share	NOUN
ejif-4433	91	6	of	of	ADP
ejif-4433	91	7	the	the	DET
ejif-4433	91	8	islamic	islamic	ADJ
ejif-4433	91	9	banking	banking	NOUN
ejif-4433	91	10	industry	industry	NOUN
ejif-4433	91	11	was	be	AUX
ejif-4433	91	12	only	only	ADV
ejif-4433	91	13	5	5	NUM
ejif-4433	91	14	percent	percent	NOUN
ejif-4433	91	15	,	,	PUNCT
ejif-4433	91	16	this	this	DET
ejif-4433	91	17	growth	growth	NOUN
ejif-4433	91	18	was	be	AUX
ejif-4433	91	19	expected	expect	VERB
ejif-4433	91	20	to	to	PART
ejif-4433	91	21	increase	increase	VERB
ejif-4433	91	22	in	in	ADP
ejif-4433	91	23	the	the	DET
ejif-4433	91	24	coming	come	VERB
ejif-4433	91	25	years	year	NOUN
ejif-4433	91	26	by	by	ADP
ejif-4433	91	27	about	about	ADV
ejif-4433	91	28	15	15	NUM
ejif-4433	91	29	percent	percent	NOUN
ejif-4433	91	30	[	[	X
ejif-4433	91	31	10	10	NUM
ejif-4433	91	32	]	]	PUNCT
ejif-4433	91	33	.	.	PUNCT
ejif-4433	92	1	yet	yet	ADV
ejif-4433	92	2	,	,	PUNCT
ejif-4433	92	3	the	the	DET
ejif-4433	92	4	expectations	expectation	NOUN
ejif-4433	92	5	did	do	AUX
ejif-4433	92	6	not	not	PART
ejif-4433	92	7	meet	meet	VERB
ejif-4433	92	8	outcomes	outcome	NOUN
ejif-4433	92	9	and	and	CCONJ
ejif-4433	92	10	the	the	DET
ejif-4433	92	11	islamic	islamic	ADJ
ejif-4433	92	12	banking	banking	NOUN
ejif-4433	92	13	industry	industry	NOUN
ejif-4433	92	14	did	do	AUX
ejif-4433	92	15	not	not	PART
ejif-4433	92	16	flourish	flourish	VERB
ejif-4433	92	17	as	as	SCONJ
ejif-4433	92	18	expected	expect	VERB
ejif-4433	92	19	to	to	PART
ejif-4433	92	20	be	be	AUX
ejif-4433	92	21	in	in	ADP
ejif-4433	92	22	the	the	DET
ejif-4433	92	23	next	next	ADJ
ejif-4433	92	24	five	five	NUM
ejif-4433	92	25	years	year	NOUN
ejif-4433	92	26	after	after	ADP
ejif-4433	92	27	2010	2010	NUM
ejif-4433	92	28	.	.	PUNCT
ejif-4433	93	1	in	in	ADP
ejif-4433	93	2	pakistan	pakistan	PROPN
ejif-4433	93	3	,	,	PUNCT
ejif-4433	93	4	the	the	DET
ejif-4433	93	5	islamic	islamic	ADJ
ejif-4433	93	6	banking	banking	NOUN
ejif-4433	93	7	sector	sector	NOUN
ejif-4433	93	8	accounted	account	VERB
ejif-4433	93	9	for	for	ADP
ejif-4433	93	10	just	just	ADV
ejif-4433	93	11	12.9	12.9	NUM
ejif-4433	93	12	percent	percent	NOUN
ejif-4433	93	13	of	of	ADP
ejif-4433	93	14	the	the	DET
ejif-4433	93	15	total	total	ADJ
ejif-4433	93	16	banking	banking	NOUN
ejif-4433	93	17	sector	sector	NOUN
ejif-4433	93	18	's	's	PART
ejif-4433	93	19	market	market	NOUN
ejif-4433	93	20	share	share	NOUN
ejif-4433	93	21	,	,	PUNCT
ejif-4433	93	22	while	while	SCONJ
ejif-4433	93	23	conventional	conventional	ADJ
ejif-4433	93	24	banking	banking	NOUN
ejif-4433	93	25	accounted	account	VERB
ejif-4433	93	26	for	for	ADP
ejif-4433	93	27	the	the	DET
ejif-4433	93	28	remaining	remain	VERB
ejif-4433	93	29	88	88	NUM
ejif-4433	93	30	percent	percent	NOUN
ejif-4433	93	31	in	in	ADP
ejif-4433	93	32	2018	2018	NUM
ejif-4433	93	33	(	(	PUNCT
ejif-4433	93	34	sbp	sbp	NOUN
ejif-4433	93	35	,	,	PUNCT
ejif-4433	93	36	islamic	islamic	ADJ
ejif-4433	93	37	banks	bank	NOUN
ejif-4433	93	38	bulletin	bulletin	NOUN
ejif-4433	93	39	,	,	PUNCT
ejif-4433	93	40	2018	2018	NUM
ejif-4433	93	41	)	)	PUNCT
ejif-4433	93	42	.	.	PUNCT
ejif-4433	94	1	there	there	PRON
ejif-4433	94	2	were	be	VERB
ejif-4433	94	3	lots	lot	NOUN
ejif-4433	94	4	of	of	ADP
ejif-4433	94	5	challenges	challenge	NOUN
ejif-4433	94	6	faced	face	VERB
ejif-4433	94	7	by	by	ADP
ejif-4433	94	8	islamic	islamic	ADJ
ejif-4433	94	9	banking	banking	NOUN
ejif-4433	94	10	sector	sector	NOUN
ejif-4433	94	11	during	during	ADP
ejif-4433	94	12	transition	transition	NOUN
ejif-4433	94	13	,	,	PUNCT
ejif-4433	94	14	at	at	ADP
ejif-4433	94	15	the	the	DET
ejif-4433	94	16	same	same	ADJ
ejif-4433	94	17	time	time	NOUN
ejif-4433	94	18	this	this	DET
ejif-4433	94	19	sector	sector	NOUN
ejif-4433	94	20	invites	invite	VERB
ejif-4433	94	21	many	many	ADJ
ejif-4433	94	22	opportunities	opportunity	NOUN
ejif-4433	94	23	for	for	ADP
ejif-4433	94	24	stakeholders	stakeholder	NOUN
ejif-4433	94	25	and	and	CCONJ
ejif-4433	94	26	scholars	scholar	NOUN
ejif-4433	94	27	to	to	PART
ejif-4433	94	28	explore	explore	VERB
ejif-4433	94	29	the	the	DET
ejif-4433	94	30	new	new	ADJ
ejif-4433	94	31	dimension	dimension	NOUN
ejif-4433	94	32	of	of	ADP
ejif-4433	94	33	banking	banking	NOUN
ejif-4433	94	34	[	[	X
ejif-4433	94	35	30	30	NUM
ejif-4433	94	36	]	]	PUNCT
ejif-4433	94	37	.	.	PUNCT
ejif-4433	95	1	there	there	PRON
ejif-4433	95	2	were	be	VERB
ejif-4433	95	3	many	many	ADJ
ejif-4433	95	4	studies	study	NOUN
ejif-4433	95	5	conducted	conduct	VERB
ejif-4433	95	6	on	on	ADP
ejif-4433	95	7	islamic	islamic	ADJ
ejif-4433	95	8	banking	banking	NOUN
ejif-4433	95	9	sector	sector	NOUN
ejif-4433	95	10	which	which	PRON
ejif-4433	95	11	were	be	AUX
ejif-4433	95	12	utilized	utilize	VERB
ejif-4433	95	13	as	as	ADP
ejif-4433	95	14	per	per	ADP
ejif-4433	95	15	need	need	NOUN
ejif-4433	95	16	of	of	ADP
ejif-4433	95	17	country	country	NOUN
ejif-4433	95	18	/	/	SYM
ejif-4433	95	19	pakistan	pakistan	PROPN
ejif-4433	96	1	[	[	X
ejif-4433	96	2	18	18	NUM
ejif-4433	96	3	]	]	PUNCT
ejif-4433	96	4	.	.	PUNCT
ejif-4433	97	1	figure	figure	NOUN
ejif-4433	97	2	1	1	NUM
ejif-4433	97	3	source	source	NOUN
ejif-4433	97	4	:	:	PUNCT
ejif-4433	97	5	spb	spb	PROPN
ejif-4433	97	6	,	,	PUNCT
ejif-4433	97	7	islamic	islamic	PROPN
ejif-4433	97	8	bank	bank	PROPN
ejif-4433	97	9	bulletin	bulletin	NOUN
ejif-4433	97	10	,	,	PUNCT
ejif-4433	97	11	(	(	PUNCT
ejif-4433	97	12	2018	2018	NUM
ejif-4433	97	13	)	)	PUNCT
ejif-4433	97	14	according	accord	VERB
ejif-4433	97	15	to	to	ADP
ejif-4433	97	16	the	the	DET
ejif-4433	97	17	sbp	sbp	NOUN
ejif-4433	97	18	report	report	NOUN
ejif-4433	97	19	(	(	PUNCT
ejif-4433	97	20	2018	2018	NUM
ejif-4433	97	21	)	)	PUNCT
ejif-4433	97	22	,	,	PUNCT
ejif-4433	97	23	the	the	DET
ejif-4433	97	24	market	market	NOUN
ejif-4433	97	25	share	share	NOUN
ejif-4433	97	26	of	of	ADP
ejif-4433	97	27	islamic	islamic	ADJ
ejif-4433	97	28	banks	bank	NOUN
ejif-4433	97	29	(	(	PUNCT
ejif-4433	97	30	deposits	deposit	NOUN
ejif-4433	97	31	)	)	PUNCT
ejif-4433	97	32	increased	increase	VERB
ejif-4433	97	33	by	by	ADP
ejif-4433	97	34	14.8	14.8	NUM
ejif-4433	97	35	percent	percent	NOUN
ejif-4433	97	36	in	in	ADP
ejif-4433	97	37	2018	2018	NUM
ejif-4433	97	38	,	,	PUNCT
ejif-4433	97	39	while	while	SCONJ
ejif-4433	97	40	the	the	DET
ejif-4433	97	41	assets	asset	NOUN
ejif-4433	97	42	base	base	NOUN
ejif-4433	97	43	decreased	decrease	VERB
ejif-4433	97	44	by	by	ADP
ejif-4433	97	45	12.9	12.9	NUM
ejif-4433	97	46	percent	percent	NOUN
ejif-4433	97	47	(	(	PUNCT
ejif-4433	97	48	figure	figure	NOUN
ejif-4433	97	49	1	1	NUM
ejif-4433	97	50	)	)	PUNCT
ejif-4433	97	51	.	.	PUNCT
ejif-4433	98	1	section	section	NOUN
ejif-4433	98	2	2	2	NUM
ejif-4433	98	3	:	:	PUNCT
ejif-4433	98	4	theoretical	theoretical	ADJ
ejif-4433	98	5	and	and	CCONJ
ejif-4433	98	6	relationship	relationship	VERB
ejif-4433	98	7	analysis	analysis	NOUN
ejif-4433	98	8	1.4	1.4	NUM
ejif-4433	98	9	.	.	PUNCT
ejif-4433	99	1	importance	importance	NOUN
ejif-4433	99	2	of	of	ADP
ejif-4433	99	3	profitability	profitability	NOUN
ejif-4433	99	4	in	in	ADP
ejif-4433	99	5	islamic	islamic	ADJ
ejif-4433	99	6	banks	bank	NOUN
ejif-4433	99	7	the	the	DET
ejif-4433	99	8	profitability	profitability	NOUN
ejif-4433	99	9	of	of	ADP
ejif-4433	99	10	islamic	islamic	ADJ
ejif-4433	99	11	banking	banking	NOUN
ejif-4433	99	12	sector	sector	NOUN
ejif-4433	99	13	defined	define	VERB
ejif-4433	99	14	that	that	SCONJ
ejif-4433	99	15	how	how	SCONJ
ejif-4433	99	16	much	much	ADJ
ejif-4433	99	17	a	a	DET
ejif-4433	99	18	bank	bank	NOUN
ejif-4433	99	19	is	be	AUX
ejif-4433	99	20	generating	generate	VERB
ejif-4433	99	21	profit	profit	NOUN
ejif-4433	99	22	with	with	ADP
ejif-4433	99	23	respect	respect	NOUN
ejif-4433	99	24	to	to	ADP
ejif-4433	99	25	its	its	PRON
ejif-4433	99	26	operations	operation	NOUN
ejif-4433	99	27	.	.	PUNCT
ejif-4433	100	1	the	the	DET
ejif-4433	100	2	profit	profit	NOUN
ejif-4433	100	3	of	of	ADP
ejif-4433	100	4	banks	bank	NOUN
ejif-4433	100	5	describes	describe	VERB
ejif-4433	100	6	that	that	SCONJ
ejif-4433	100	7	how	how	SCONJ
ejif-4433	100	8	much	much	ADJ
ejif-4433	100	9	bank	bank	NOUN
ejif-4433	100	10	return	return	NOUN
ejif-4433	100	11	is	be	AUX
ejif-4433	100	12	against	against	ADP
ejif-4433	100	13	its	its	PRON
ejif-4433	100	14	paid	pay	VERB
ejif-4433	100	15	taxes	taxis	NOUN
ejif-4433	100	16	and	and	CCONJ
ejif-4433	100	17	other	other	ADJ
ejif-4433	100	18	expenses	expense	NOUN
ejif-4433	100	19	[	[	X
ejif-4433	100	20	4	4	NUM
ejif-4433	100	21	]	]	PUNCT
ejif-4433	100	22	.	.	PUNCT
ejif-4433	101	1	the	the	DET
ejif-4433	101	2	most	most	ADV
ejif-4433	101	3	common	common	ADJ
ejif-4433	101	4	measure	measure	NOUN
ejif-4433	101	5	of	of	ADP
ejif-4433	101	6	bank	bank	NOUN
ejif-4433	101	7	performance	performance	NOUN
ejif-4433	101	8	and	and	CCONJ
ejif-4433	101	9	efficiency	efficiency	NOUN
ejif-4433	101	10	is	be	AUX
ejif-4433	101	11	called	call	VERB
ejif-4433	101	12	profitability	profitability	NOUN
ejif-4433	101	13	analysis	analysis	NOUN
ejif-4433	101	14	[	[	X
ejif-4433	101	15	15][33	15][33	X
ejif-4433	101	16	]	]	X
ejif-4433	101	17	.	.	PUNCT
ejif-4433	102	1	measuring	measure	VERB
ejif-4433	102	2	the	the	DET
ejif-4433	102	3	profitability	profitability	NOUN
ejif-4433	102	4	of	of	ADP
ejif-4433	102	5	islamic	islamic	ADJ
ejif-4433	102	6	banking	banking	NOUN
ejif-4433	102	7	sector	sector	NOUN
ejif-4433	102	8	is	be	AUX
ejif-4433	102	9	very	very	ADV
ejif-4433	102	10	important	important	ADJ
ejif-4433	102	11	as	as	SCONJ
ejif-4433	102	12	it	it	PRON
ejif-4433	102	13	enables	enable	VERB
ejif-4433	102	14	the	the	DET
ejif-4433	102	15	banking	banking	NOUN
ejif-4433	102	16	system	system	NOUN
ejif-4433	102	17	to	to	PART
ejif-4433	102	18	stay	stay	VERB
ejif-4433	102	19	competitive	competitive	ADJ
ejif-4433	102	20	and	and	CCONJ
ejif-4433	102	21	finance	finance	VERB
ejif-4433	102	22	the	the	DET
ejif-4433	102	23	operations	operation	NOUN
ejif-4433	102	24	of	of	ADP
ejif-4433	102	25	banks	bank	NOUN
ejif-4433	102	26	.	.	PUNCT
ejif-4433	103	1	there	there	PRON
ejif-4433	103	2	are	be	VERB
ejif-4433	103	3	number	number	NOUN
ejif-4433	103	4	of	of	ADP
ejif-4433	103	5	researches	research	NOUN
ejif-4433	103	6	which	which	PRON
ejif-4433	103	7	expect	expect	VERB
ejif-4433	103	8	that	that	SCONJ
ejif-4433	103	9	islamic	islamic	ADJ
ejif-4433	103	10	banking	banking	NOUN
ejif-4433	103	11	industry	industry	NOUN
ejif-4433	103	12	should	should	AUX
ejif-4433	103	13	be	be	AUX
ejif-4433	103	14	more	more	ADV
ejif-4433	103	15	profitable	profitable	ADJ
ejif-4433	103	16	than	than	ADP
ejif-4433	103	17	conventional	conventional	ADJ
ejif-4433	103	18	banking	banking	NOUN
ejif-4433	103	19	system	system	NOUN
ejif-4433	103	20	of	of	ADP
ejif-4433	103	21	country	country	NOUN
ejif-4433	103	22	[	[	X
ejif-4433	103	23	4	4	X
ejif-4433	103	24	]	]	X
ejif-4433	103	25	[	[	X
ejif-4433	103	26	14	14	NUM
ejif-4433	103	27	]	]	X
ejif-4433	104	1	[	[	X
ejif-4433	104	2	20	20	NUM
ejif-4433	104	3	]	]	PUNCT
ejif-4433	104	4	.	.	PUNCT
ejif-4433	105	1	by	by	ADP
ejif-4433	105	2	applying	apply	VERB
ejif-4433	105	3	the	the	DET
ejif-4433	105	4	non	non	ADJ
ejif-4433	105	5	linear	linear	ADJ
ejif-4433	105	6	,	,	PUNCT
ejif-4433	105	7	linear	linear	ADJ
ejif-4433	105	8	and	and	CCONJ
ejif-4433	105	9	generalized	generalized	ADJ
ejif-4433	105	10	movement	movement	NOUN
ejif-4433	105	11	method	method	NOUN
ejif-4433	105	12	statistical	statistical	ADJ
ejif-4433	105	13	tests	test	NOUN
ejif-4433	105	14	,	,	PUNCT
ejif-4433	105	15	researcher	researcher	NOUN
ejif-4433	105	16	found	find	VERB
ejif-4433	105	17	the	the	DET
ejif-4433	105	18	evidence	evidence	NOUN
ejif-4433	105	19	regarding	regard	VERB
ejif-4433	105	20	their	their	PRON
ejif-4433	105	21	hypothesis	hypothesis	NOUN
ejif-4433	105	22	.	.	PUNCT
ejif-4433	106	1	it	it	PRON
ejif-4433	106	2	is	be	AUX
ejif-4433	106	3	analyzed	analyze	VERB
ejif-4433	106	4	that	that	SCONJ
ejif-4433	106	5	the	the	DET
ejif-4433	106	6	islamic	islamic	ADJ
ejif-4433	106	7	banks	bank	NOUN
ejif-4433	106	8	higher	high	ADJ
ejif-4433	106	9	profitability	profitability	NOUN
ejif-4433	106	10	stems	stem	VERB
ejif-4433	106	11	from	from	ADP
ejif-4433	106	12	their	their	PRON
ejif-4433	106	13	restricted	restricted	ADJ
ejif-4433	106	14	access	access	NOUN
ejif-4433	106	15	of	of	ADP
ejif-4433	106	16	inter	inter	ADJ
ejif-4433	106	17	-	-	ADJ
ejif-4433	106	18	bank	bank	ADJ
ejif-4433	106	19	market	market	NOUN
ejif-4433	106	20	equity	equity	NOUN
ejif-4433	106	21	financing	financing	NOUN
ejif-4433	106	22	.	.	PUNCT
ejif-4433	107	1	thus	thus	ADV
ejif-4433	107	2	,	,	PUNCT
ejif-4433	107	3	islamic	islamic	ADJ
ejif-4433	107	4	banks	bank	NOUN
ejif-4433	107	5	have	have	VERB
ejif-4433	107	6	to	to	PART
ejif-4433	107	7	rely	rely	VERB
ejif-4433	107	8	on	on	ADP
ejif-4433	107	9	safer	safe	ADJ
ejif-4433	107	10	and	and	CCONJ
ejif-4433	107	11	cheaper	cheap	ADJ
ejif-4433	107	12	source	source	NOUN
ejif-4433	107	13	of	of	ADP
ejif-4433	107	14	investment	investment	NOUN
ejif-4433	107	15	financing	financing	NOUN
ejif-4433	107	16	like	like	ADP
ejif-4433	107	17	investment	investment	NOUN
ejif-4433	107	18	deposits	deposit	NOUN
ejif-4433	107	19	etc	etc	X
ejif-4433	108	1	[	[	X
ejif-4433	108	2	4	4	NUM
ejif-4433	108	3	]	]	PUNCT
ejif-4433	108	4	.	.	PUNCT
ejif-4433	109	1	conversely	conversely	ADV
ejif-4433	109	2	,	,	PUNCT
ejif-4433	109	3	samad	samad	PROPN
ejif-4433	109	4	(	(	PUNCT
ejif-4433	109	5	2008	2008	NUM
ejif-4433	109	6	)	)	PUNCT
ejif-4433	110	1	[	[	X
ejif-4433	110	2	25	25	NUM
ejif-4433	110	3	]	]	PUNCT
ejif-4433	110	4	conducted	conduct	VERB
ejif-4433	110	5	his	his	PRON
ejif-4433	110	6	study	study	NOUN
ejif-4433	110	7	on	on	ADP
ejif-4433	110	8	islamic	islamic	ADJ
ejif-4433	110	9	and	and	CCONJ
ejif-4433	110	10	conventional	conventional	ADJ
ejif-4433	110	11	banks	bank	NOUN
ejif-4433	110	12	profitability	profitability	NOUN
ejif-4433	110	13	analysis	analysis	NOUN
ejif-4433	110	14	through	through	ADP
ejif-4433	110	15	ratio	ratio	NOUN
ejif-4433	110	16	analysis	analysis	NOUN
ejif-4433	110	17	of	of	ADP
ejif-4433	110	18	return	return	NOUN
ejif-4433	110	19	on	on	ADP
ejif-4433	110	20	asset	asset	NOUN
ejif-4433	110	21	,	,	PUNCT
ejif-4433	110	22	return	return	VERB
ejif-4433	110	23	on	on	ADP
ejif-4433	110	24	investment	investment	NOUN
ejif-4433	110	25	and	and	CCONJ
ejif-4433	110	26	earnings	earning	NOUN
ejif-4433	110	27	per	per	ADP
ejif-4433	110	28	share	share	NOUN
ejif-4433	110	29	.	.	PUNCT
ejif-4433	111	1	the	the	DET
ejif-4433	111	2	finding	finding	NOUN
ejif-4433	111	3	of	of	ADP
ejif-4433	111	4	study	study	NOUN
ejif-4433	111	5	shows	show	VERB
ejif-4433	111	6	that	that	SCONJ
ejif-4433	111	7	conventional	conventional	ADJ
ejif-4433	111	8	banking	banking	NOUN
ejif-4433	111	9	system	system	NOUN
ejif-4433	111	10	has	have	VERB
ejif-4433	111	11	more	more	ADJ
ejif-4433	111	12	opportunities	opportunity	NOUN
ejif-4433	111	13	than	than	ADP
ejif-4433	111	14	islamic	islamic	ADJ
ejif-4433	111	15	banking	banking	NOUN
ejif-4433	111	16	system	system	NOUN
ejif-4433	111	17	and	and	CCONJ
ejif-4433	111	18	conventional	conventional	ADJ
ejif-4433	111	19	banks	bank	NOUN
ejif-4433	111	20	are	be	AUX
ejif-4433	111	21	more	more	ADV
ejif-4433	111	22	profitable	profitable	ADJ
ejif-4433	111	23	since	since	SCONJ
ejif-4433	111	24	islamic	islamic	ADJ
ejif-4433	111	25	banks	bank	NOUN
ejif-4433	111	26	opportunities	opportunity	NOUN
ejif-4433	111	27	of	of	ADP
ejif-4433	111	28	investment	investment	NOUN
ejif-4433	111	29	are	be	AUX
ejif-4433	111	30	very	very	ADV
ejif-4433	111	31	low	low	ADJ
ejif-4433	111	32	and	and	CCONJ
ejif-4433	111	33	they	they	PRON
ejif-4433	111	34	are	be	AUX
ejif-4433	111	35	not	not	PART
ejif-4433	111	36	allowed	allow	VERB
ejif-4433	111	37	to	to	PART
ejif-4433	111	38	give	give	VERB
ejif-4433	111	39	or	or	CCONJ
ejif-4433	111	40	take	take	VERB
ejif-4433	111	41	interest	interest	NOUN
ejif-4433	111	42	rate	rate	NOUN
ejif-4433	111	43	from	from	ADP
ejif-4433	111	44	depositor	depositor	NOUN
ejif-4433	111	45	and	and	CCONJ
ejif-4433	111	46	lender	lender	NOUN
ejif-4433	111	47	.	.	PUNCT
ejif-4433	112	1	1.5	1.5	NUM
ejif-4433	112	2	.	.	PUNCT
ejif-4433	113	1	relationship	relationship	NOUN
ejif-4433	113	2	analysis	analysis	NOUN
ejif-4433	113	3	influence	influence	NOUN
ejif-4433	113	4	of	of	ADP
ejif-4433	113	5	quick	quick	ADJ
ejif-4433	113	6	ratio	ratio	NOUN
ejif-4433	113	7	on	on	ADP
ejif-4433	113	8	islamic	islamic	PROPN
ejif-4433	113	9	bank	bank	PROPN
ejif-4433	113	10	’s	’s	PART
ejif-4433	113	11	profitability	profitability	NOUN
ejif-4433	113	12	:	:	PUNCT
ejif-4433	113	13	alshatti	alshatti	NOUN
ejif-4433	113	14	(	(	PUNCT
ejif-4433	113	15	2015)[5	2015)[5	PROPN
ejif-4433	113	16	]	]	PUNCT
ejif-4433	113	17	,	,	PUNCT
ejif-4433	113	18	in	in	ADP
ejif-4433	113	19	his	his	PRON
ejif-4433	113	20	study	study	NOUN
ejif-4433	113	21	,	,	PUNCT
ejif-4433	113	22	use	use	VERB
ejif-4433	113	23	quick	quick	ADJ
ejif-4433	113	24	ratio	ratio	NOUN
ejif-4433	113	25	in	in	ADP
ejif-4433	113	26	addition	addition	NOUN
ejif-4433	113	27	with	with	ADP
ejif-4433	113	28	some	some	DET
ejif-4433	113	29	other	other	ADJ
ejif-4433	113	30	ratios	ratio	NOUN
ejif-4433	113	31	.	.	PUNCT
ejif-4433	114	1	he	he	PRON
ejif-4433	114	2	calculated	calculate	VERB
ejif-4433	114	3	quick	quick	ADJ
ejif-4433	114	4	ratio	ratio	NOUN
ejif-4433	114	5	by	by	ADP
ejif-4433	114	6	subtracting	subtract	VERB
ejif-4433	114	7	current	current	ADJ
ejif-4433	114	8	assets	asset	NOUN
ejif-4433	114	9	and	and	CCONJ
ejif-4433	114	10	inventory	inventory	NOUN
ejif-4433	114	11	and	and	CCONJ
ejif-4433	114	12	then	then	ADV
ejif-4433	114	13	dividing	divide	VERB
ejif-4433	114	14	it	it	PRON
ejif-4433	114	15	by	by	ADP
ejif-4433	114	16	current	current	ADJ
ejif-4433	114	17	liabilities	liability	NOUN
ejif-4433	114	18	,	,	PUNCT
ejif-4433	114	19	and	and	CCONJ
ejif-4433	114	20	found	find	VERB
ejif-4433	114	21	that	that	SCONJ
ejif-4433	114	22	quick	quick	ADJ
ejif-4433	114	23	ratio	ratio	NOUN
ejif-4433	114	24	positively	positively	ADV
ejif-4433	114	25	and	and	CCONJ
ejif-4433	114	26	significantly	significantly	ADV
ejif-4433	114	27	associated	associate	VERB
ejif-4433	114	28	with	with	ADP
ejif-4433	114	29	profitability	profitability	NOUN
ejif-4433	114	30	of	of	ADP
ejif-4433	114	31	jordanian	jordanian	ADJ
ejif-4433	114	32	interest	interest	NOUN
ejif-4433	114	33	based	base	VERB
ejif-4433	114	34	banks	bank	NOUN
ejif-4433	114	35	.	.	PUNCT
ejif-4433	115	1	h1	h1	PROPN
ejif-4433	115	2	:	:	PUNCT
ejif-4433	115	3	quick	quick	ADJ
ejif-4433	115	4	ratios	ratio	NOUN
ejif-4433	115	5	is	be	AUX
ejif-4433	115	6	important	important	ADJ
ejif-4433	115	7	factor	factor	NOUN
ejif-4433	115	8	to	to	PART
ejif-4433	115	9	influence	influence	VERB
ejif-4433	115	10	the	the	DET
ejif-4433	115	11	islamic	islamic	ADJ
ejif-4433	115	12	banks	bank	NOUN
ejif-4433	115	13	profitability	profitability	NOUN
ejif-4433	115	14	influence	influence	NOUN
ejif-4433	115	15	of	of	ADP
ejif-4433	115	16	cash	cash	NOUN
ejif-4433	115	17	deposit	deposit	NOUN
ejif-4433	115	18	ratio	ratio	NOUN
ejif-4433	115	19	on	on	ADP
ejif-4433	115	20	islamic	islamic	PROPN
ejif-4433	115	21	bank	bank	PROPN
ejif-4433	115	22	’s	’s	PART
ejif-4433	115	23	profitability	profitability	NOUN
ejif-4433	115	24	rasul	rasul	PROPN
ejif-4433	115	25	(	(	PUNCT
ejif-4433	115	26	2013)[23	2013)[23	NOUN
ejif-4433	115	27	]	]	PUNCT
ejif-4433	115	28	,	,	PUNCT
ejif-4433	115	29	use	use	VERB
ejif-4433	115	30	the	the	DET
ejif-4433	115	31	cash	cash	NOUN
ejif-4433	115	32	deposit	deposit	NOUN
ejif-4433	115	33	ratio	ratio	NOUN
ejif-4433	115	34	to	to	PART
ejif-4433	115	35	measure	measure	VERB
ejif-4433	115	36	the	the	DET
ejif-4433	115	37	liquidity	liquidity	NOUN
ejif-4433	115	38	of	of	ADP
ejif-4433	115	39	islamic	islamic	ADJ
ejif-4433	115	40	banks	bank	NOUN
ejif-4433	115	41	of	of	ADP
ejif-4433	115	42	bangladesh	bangladesh	PROPN
ejif-4433	115	43	.	.	PUNCT
ejif-4433	116	1	study	study	PROPN
ejif-4433	116	2	examined	examine	VERB
ejif-4433	116	3	the	the	DET
ejif-4433	116	4	data	datum	NOUN
ejif-4433	116	5	of	of	ADP
ejif-4433	116	6	11	11	NUM
ejif-4433	116	7	years	year	NOUN
ejif-4433	116	8	(	(	PUNCT
ejif-4433	116	9	from	from	ADP
ejif-4433	116	10	2001	2001	NUM
ejif-4433	116	11	to	to	ADP
ejif-4433	116	12	2011	2011	NUM
ejif-4433	116	13	)	)	PUNCT
ejif-4433	116	14	,	,	PUNCT
ejif-4433	116	15	and	and	CCONJ
ejif-4433	116	16	found	find	VERB
ejif-4433	116	17	a	a	DET
ejif-4433	116	18	significant	significant	ADJ
ejif-4433	116	19	relation	relation	NOUN
ejif-4433	116	20	of	of	ADP
ejif-4433	116	21	this	this	DET
ejif-4433	116	22	variable	variable	NOUN
ejif-4433	116	23	with	with	ADP
ejif-4433	116	24	the	the	DET
ejif-4433	116	25	profitability	profitability	NOUN
ejif-4433	116	26	.	.	PUNCT
ejif-4433	117	1	h2	h2	NOUN
ejif-4433	117	2	:	:	PUNCT
ejif-4433	117	3	cash	cash	NOUN
ejif-4433	117	4	deposit	deposit	NOUN
ejif-4433	117	5	ratios	ratio	NOUN
ejif-4433	117	6	is	be	AUX
ejif-4433	117	7	important	important	ADJ
ejif-4433	117	8	factor	factor	NOUN
ejif-4433	117	9	to	to	PART
ejif-4433	117	10	influence	influence	VERB
ejif-4433	117	11	the	the	DET
ejif-4433	117	12	islamic	islamic	ADJ
ejif-4433	117	13	banks	bank	NOUN
ejif-4433	117	14	profitability	profitability	NOUN
ejif-4433	117	15	.	.	PUNCT
ejif-4433	118	1	11.6	11.6	NUM
ejif-4433	118	2	13.5	13.5	NUM
ejif-4433	118	3	12.9	12.9	NUM
ejif-4433	118	4	13.7	13.7	NUM
ejif-4433	118	5	14.6	14.6	NUM
ejif-4433	118	6	14.8	14.8	NUM
ejif-4433	118	7	0	0	NUM
ejif-4433	118	8	2	2	NUM
ejif-4433	118	9	4	4	NUM
ejif-4433	118	10	6	6	NUM
ejif-4433	118	11	8	8	NUM
ejif-4433	118	12	10	10	NUM
ejif-4433	118	13	12	12	NUM
ejif-4433	118	14	14	14	NUM
ejif-4433	118	15	16	16	NUM
ejif-4433	118	16	june	june	PROPN
ejif-4433	118	17	(	(	PUNCT
ejif-4433	118	18	2017	2017	NUM
ejif-4433	118	19	)	)	PUNCT
ejif-4433	118	20	mar	mar	PROPN
ejif-4433	118	21	(	(	PUNCT
ejif-4433	118	22	2018	2018	NUM
ejif-4433	118	23	)	)	PUNCT
ejif-4433	118	24	june	june	PROPN
ejif-4433	118	25	(	(	PUNCT
ejif-4433	118	26	2018	2018	NUM
ejif-4433	118	27	)	)	PUNCT
ejif-4433	118	28	market	market	NOUN
ejif-4433	118	29	share	share	NOUN
ejif-4433	118	30	of	of	ADP
ejif-4433	118	31	islamic	islamic	ADJ
ejif-4433	118	32	banks	bank	NOUN
ejif-4433	118	33	(	(	PUNCT
ejif-4433	118	34	share	share	VERB
ejif-4433	118	35	in	in	ADP
ejif-4433	118	36	overall	overall	ADJ
ejif-4433	118	37	industry	industry	NOUN
ejif-4433	118	38	)	)	PUNCT
ejif-4433	119	1	total	total	ADJ
ejif-4433	119	2	asset	asset	NOUN
ejif-4433	119	3	(	(	PUNCT
ejif-4433	119	4	billio	billio	NOUN
ejif-4433	119	5	n	n	CCONJ
ejif-4433	119	6	)	)	PUNCT
ejif-4433	119	7	market	market	NOUN
ejif-4433	119	8	share	share	NOUN
ejif-4433	119	9	of	of	ADP
ejif-4433	119	10	islamic	islamic	ADJ
ejif-4433	119	11	banks	bank	NOUN
ejif-4433	119	12	ejif	ejif	PROPN
ejif-4433	119	13	–	–	PUNCT
ejif-4433	119	14	european	european	PROPN
ejif-4433	119	15	journal	journal	PROPN
ejif-4433	119	16	of	of	ADP
ejif-4433	119	17	islamic	islamic	PROPN
ejif-4433	119	18	finance	finance	PROPN
ejif-4433	119	19	no15	no15	PROPN
ejif-4433	119	20	,	,	PUNCT
ejif-4433	119	21	august	august	PROPN
ejif-4433	119	22	(	(	PUNCT
ejif-4433	119	23	2020	2020	NUM
ejif-4433	119	24	)	)	PUNCT
ejif-4433	120	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	120	2	issn	issn	VERB
ejif-4433	120	3	2421	2421	NUM
ejif-4433	120	4	-	-	SYM
ejif-4433	120	5	2172	2172	NUM
ejif-4433	120	6	5	5	NUM
ejif-4433	120	7	influence	influence	NOUN
ejif-4433	120	8	of	of	ADP
ejif-4433	120	9	non	non	ADJ
ejif-4433	120	10	-	-	ADJ
ejif-4433	120	11	performing	performing	ADJ
ejif-4433	120	12	loan	loan	NOUN
ejif-4433	120	13	on	on	ADP
ejif-4433	120	14	islamic	islamic	PROPN
ejif-4433	120	15	bank	bank	PROPN
ejif-4433	120	16	’s	’s	PART
ejif-4433	120	17	profitability	profitability	NOUN
ejif-4433	120	18	bhattarai	bhattarai	NOUN
ejif-4433	120	19	(	(	PUNCT
ejif-4433	120	20	2016)[8	2016)[8	PROPN
ejif-4433	120	21	]	]	PUNCT
ejif-4433	120	22	stated	state	VERB
ejif-4433	120	23	that	that	SCONJ
ejif-4433	120	24	there	there	PRON
ejif-4433	120	25	is	be	VERB
ejif-4433	120	26	significant	significant	ADJ
ejif-4433	120	27	influence	influence	NOUN
ejif-4433	120	28	of	of	ADP
ejif-4433	120	29	non	non	ADJ
ejif-4433	120	30	-	-	ADJ
ejif-4433	120	31	performing	performing	ADJ
ejif-4433	120	32	loans	loan	NOUN
ejif-4433	120	33	on	on	ADP
ejif-4433	120	34	profitability	profitability	NOUN
ejif-4433	120	35	of	of	ADP
ejif-4433	120	36	commercial	commercial	ADJ
ejif-4433	120	37	banks	bank	NOUN
ejif-4433	120	38	working	work	VERB
ejif-4433	120	39	in	in	ADP
ejif-4433	120	40	nepal	nepal	ADJ
ejif-4433	120	41	.	.	PUNCT
ejif-4433	121	1	study	study	NOUN
ejif-4433	121	2	found	find	VERB
ejif-4433	121	3	that	that	SCONJ
ejif-4433	121	4	nonperforming	nonperforme	VERB
ejif-4433	121	5	loan	loan	NOUN
ejif-4433	121	6	has	have	VERB
ejif-4433	121	7	negative	negative	ADJ
ejif-4433	121	8	influence	influence	NOUN
ejif-4433	121	9	on	on	ADP
ejif-4433	121	10	organization	organization	NOUN
ejif-4433	121	11	return	return	VERB
ejif-4433	121	12	on	on	ADP
ejif-4433	121	13	asset	asset	NOUN
ejif-4433	121	14	whereas	whereas	SCONJ
ejif-4433	121	15	the	the	DET
ejif-4433	121	16	ratio	ratio	NOUN
ejif-4433	121	17	of	of	ADP
ejif-4433	121	18	nonperforming	nonperforme	VERB
ejif-4433	121	19	loans	loan	NOUN
ejif-4433	121	20	positively	positively	ADV
ejif-4433	121	21	influences	influence	VERB
ejif-4433	121	22	the	the	DET
ejif-4433	121	23	return	return	NOUN
ejif-4433	121	24	on	on	ADP
ejif-4433	121	25	equity	equity	NOUN
ejif-4433	121	26	of	of	ADP
ejif-4433	121	27	bank	bank	PROPN
ejif-4433	121	28	.	.	PUNCT
ejif-4433	122	1	h3	h3	NOUN
ejif-4433	122	2	:	:	PUNCT
ejif-4433	122	3	non	non	ADJ
ejif-4433	122	4	-	-	ADJ
ejif-4433	122	5	performing	perform	VERB
ejif-4433	122	6	loans	loan	NOUN
ejif-4433	122	7	is	be	AUX
ejif-4433	122	8	important	important	ADJ
ejif-4433	122	9	factor	factor	NOUN
ejif-4433	122	10	to	to	PART
ejif-4433	122	11	influence	influence	VERB
ejif-4433	122	12	islamic	islamic	ADJ
ejif-4433	122	13	banks	bank	NOUN
ejif-4433	122	14	profitability	profitability	NOUN
ejif-4433	122	15	influence	influence	NOUN
ejif-4433	122	16	of	of	ADP
ejif-4433	122	17	gearing	gear	VERB
ejif-4433	122	18	ratio	ratio	NOUN
ejif-4433	122	19	on	on	ADP
ejif-4433	122	20	islamic	islamic	PROPN
ejif-4433	122	21	bank	bank	PROPN
ejif-4433	122	22	’s	’s	PART
ejif-4433	122	23	profitability	profitability	NOUN
ejif-4433	122	24	study	study	NOUN
ejif-4433	122	25	conducted	conduct	VERB
ejif-4433	122	26	by	by	ADP
ejif-4433	122	27	[	[	X
ejif-4433	122	28	21	21	NUM
ejif-4433	122	29	]	]	PUNCT
ejif-4433	122	30	investigated	investigate	VERB
ejif-4433	122	31	the	the	DET
ejif-4433	122	32	listed	list	VERB
ejif-4433	122	33	companies	company	NOUN
ejif-4433	122	34	of	of	ADP
ejif-4433	122	35	sugar	sugar	NOUN
ejif-4433	122	36	in	in	ADP
ejif-4433	122	37	pakistan	pakistan	PROPN
ejif-4433	122	38	stock	stock	PROPN
ejif-4433	122	39	exchange	exchange	PROPN
ejif-4433	122	40	.	.	PUNCT
ejif-4433	123	1	researcher	researcher	NOUN
ejif-4433	123	2	analyzed	analyze	VERB
ejif-4433	123	3	the	the	DET
ejif-4433	123	4	association	association	NOUN
ejif-4433	123	5	between	between	ADP
ejif-4433	123	6	debt	debt	NOUN
ejif-4433	123	7	to	to	ADP
ejif-4433	123	8	equity	equity	NOUN
ejif-4433	123	9	ratio/	ratio/	NUM
ejif-4433	123	10	gearing	gearing	NOUN
ejif-4433	123	11	ratio	ratio	NOUN
ejif-4433	123	12	and	and	CCONJ
ejif-4433	123	13	profitability	profitability	NOUN
ejif-4433	123	14	of	of	ADP
ejif-4433	123	15	firm	firm	NOUN
ejif-4433	123	16	(	(	PUNCT
ejif-4433	123	17	return	return	NOUN
ejif-4433	123	18	on	on	ADP
ejif-4433	123	19	asset	asset	NOUN
ejif-4433	123	20	and	and	CCONJ
ejif-4433	123	21	return	return	VERB
ejif-4433	123	22	on	on	ADP
ejif-4433	123	23	equity	equity	NOUN
ejif-4433	123	24	)	)	PUNCT
ejif-4433	123	25	,	,	PUNCT
ejif-4433	123	26	the	the	DET
ejif-4433	123	27	results	result	NOUN
ejif-4433	123	28	of	of	ADP
ejif-4433	123	29	study	study	NOUN
ejif-4433	123	30	showed	show	VERB
ejif-4433	123	31	that	that	SCONJ
ejif-4433	123	32	there	there	PRON
ejif-4433	123	33	is	be	VERB
ejif-4433	123	34	negative	negative	ADJ
ejif-4433	123	35	and	and	CCONJ
ejif-4433	123	36	significant	significant	ADJ
ejif-4433	123	37	relationship	relationship	NOUN
ejif-4433	123	38	between	between	ADP
ejif-4433	123	39	gearing	gear	VERB
ejif-4433	123	40	ratio	ratio	NOUN
ejif-4433	123	41	and	and	CCONJ
ejif-4433	123	42	return	return	VERB
ejif-4433	123	43	on	on	ADP
ejif-4433	123	44	equity	equity	NOUN
ejif-4433	123	45	while	while	SCONJ
ejif-4433	123	46	positive	positive	ADJ
ejif-4433	123	47	influence	influence	NOUN
ejif-4433	123	48	of	of	ADP
ejif-4433	123	49	gearing	gear	VERB
ejif-4433	123	50	ratio	ratio	NOUN
ejif-4433	123	51	and	and	CCONJ
ejif-4433	123	52	return	return	VERB
ejif-4433	123	53	on	on	ADP
ejif-4433	123	54	asset	asset	NOUN
ejif-4433	123	55	.	.	PUNCT
ejif-4433	124	1	h4	h4	NOUN
ejif-4433	124	2	:	:	PUNCT
ejif-4433	124	3	net	net	ADJ
ejif-4433	124	4	gearing	gearing	NOUN
ejif-4433	124	5	ratio	ratio	NOUN
ejif-4433	124	6	is	be	AUX
ejif-4433	124	7	important	important	ADJ
ejif-4433	124	8	factor	factor	NOUN
ejif-4433	124	9	to	to	PART
ejif-4433	124	10	influence	influence	VERB
ejif-4433	124	11	the	the	DET
ejif-4433	124	12	islamic	islamic	ADJ
ejif-4433	124	13	banks	bank	NOUN
ejif-4433	124	14	profitability	profitability	NOUN
ejif-4433	124	15	influence	influence	NOUN
ejif-4433	124	16	of	of	ADP
ejif-4433	124	17	asset	asset	NOUN
ejif-4433	124	18	composition	composition	NOUN
ejif-4433	124	19	ratio	ratio	NOUN
ejif-4433	124	20	on	on	ADP
ejif-4433	124	21	islamic	islamic	PROPN
ejif-4433	124	22	bank	bank	PROPN
ejif-4433	124	23	’s	’s	PART
ejif-4433	124	24	profitability	profitability	NOUN
ejif-4433	124	25	the	the	DET
ejif-4433	124	26	study	study	NOUN
ejif-4433	124	27	conducted	conduct	VERB
ejif-4433	124	28	by	by	ADP
ejif-4433	124	29	[	[	PUNCT
ejif-4433	124	30	24	24	NUM
ejif-4433	124	31	]	]	PUNCT
ejif-4433	124	32	explained	explain	VERB
ejif-4433	124	33	that	that	SCONJ
ejif-4433	124	34	asset	asset	NOUN
ejif-4433	124	35	composition	composition	NOUN
ejif-4433	124	36	ratio	ratio	NOUN
ejif-4433	124	37	highly	highly	ADV
ejif-4433	124	38	influence	influence	VERB
ejif-4433	124	39	the	the	DET
ejif-4433	124	40	profitability	profitability	NOUN
ejif-4433	124	41	of	of	ADP
ejif-4433	124	42	firm	firm	NOUN
ejif-4433	124	43	.	.	PUNCT
ejif-4433	125	1	the	the	DET
ejif-4433	125	2	study	study	NOUN
ejif-4433	125	3	shows	show	VERB
ejif-4433	125	4	that	that	SCONJ
ejif-4433	125	5	this	this	DET
ejif-4433	125	6	ratio	ratio	NOUN
ejif-4433	125	7	explains	explain	VERB
ejif-4433	125	8	whether	whether	SCONJ
ejif-4433	125	9	asset	asset	NOUN
ejif-4433	125	10	of	of	ADP
ejif-4433	125	11	bank	bank	NOUN
ejif-4433	125	12	includes	include	VERB
ejif-4433	125	13	high	high	ADJ
ejif-4433	125	14	debt	debt	NOUN
ejif-4433	125	15	or	or	CCONJ
ejif-4433	125	16	not	not	PART
ejif-4433	125	17	.	.	PUNCT
ejif-4433	126	1	high	high	ADJ
ejif-4433	126	2	debt	debt	NOUN
ejif-4433	126	3	to	to	ADP
ejif-4433	126	4	asset	asset	NOUN
ejif-4433	126	5	ratio	ratio	NOUN
ejif-4433	126	6	is	be	AUX
ejif-4433	126	7	not	not	PART
ejif-4433	126	8	good	good	ADJ
ejif-4433	126	9	for	for	ADP
ejif-4433	126	10	organization	organization	NOUN
ejif-4433	126	11	as	as	SCONJ
ejif-4433	126	12	it	it	PRON
ejif-4433	126	13	has	have	VERB
ejif-4433	126	14	negative	negative	ADJ
ejif-4433	126	15	influence	influence	NOUN
ejif-4433	126	16	on	on	ADP
ejif-4433	126	17	the	the	DET
ejif-4433	126	18	profitability	profitability	NOUN
ejif-4433	126	19	of	of	ADP
ejif-4433	126	20	firm	firm	NOUN
ejif-4433	126	21	.	.	PUNCT
ejif-4433	127	1	h5	h5	PROPN
ejif-4433	127	2	:	:	PUNCT
ejif-4433	127	3	asset	asset	NOUN
ejif-4433	127	4	composition	composition	NOUN
ejif-4433	127	5	ratio	ratio	NOUN
ejif-4433	127	6	is	be	AUX
ejif-4433	127	7	important	important	ADJ
ejif-4433	127	8	factor	factor	NOUN
ejif-4433	127	9	to	to	PART
ejif-4433	127	10	influence	influence	VERB
ejif-4433	127	11	the	the	DET
ejif-4433	127	12	islamic	islamic	ADJ
ejif-4433	127	13	banks	bank	NOUN
ejif-4433	127	14	profitability	profitability	NOUN
ejif-4433	127	15	influence	influence	NOUN
ejif-4433	127	16	of	of	ADP
ejif-4433	127	17	competitive	competitive	ADJ
ejif-4433	127	18	advantage	advantage	NOUN
ejif-4433	127	19	on	on	ADP
ejif-4433	127	20	islamic	islamic	PROPN
ejif-4433	127	21	bank	bank	PROPN
ejif-4433	127	22	’s	’s	PART
ejif-4433	127	23	profitability	profitability	NOUN
ejif-4433	127	24	study	study	NOUN
ejif-4433	127	25	conducted	conduct	VERB
ejif-4433	127	26	by	by	ADP
ejif-4433	127	27	[	[	PUNCT
ejif-4433	127	28	10	10	NUM
ejif-4433	127	29	]	]	PUNCT
ejif-4433	127	30	results	result	NOUN
ejif-4433	127	31	revealed	reveal	VERB
ejif-4433	127	32	that	that	SCONJ
ejif-4433	127	33	the	the	DET
ejif-4433	127	34	entrant	entrant	NOUN
ejif-4433	127	35	of	of	ADP
ejif-4433	127	36	new	new	ADJ
ejif-4433	127	37	comers	comer	NOUN
ejif-4433	127	38	will	will	AUX
ejif-4433	127	39	not	not	PART
ejif-4433	127	40	affect	affect	VERB
ejif-4433	127	41	the	the	DET
ejif-4433	127	42	existing	exist	VERB
ejif-4433	127	43	banks	bank	NOUN
ejif-4433	127	44	profitability	profitability	NOUN
ejif-4433	127	45	when	when	SCONJ
ejif-4433	127	46	there	there	PRON
ejif-4433	127	47	is	be	VERB
ejif-4433	127	48	huge	huge	ADJ
ejif-4433	127	49	competition	competition	NOUN
ejif-4433	127	50	prevail	prevail	VERB
ejif-4433	127	51	in	in	ADP
ejif-4433	127	52	the	the	DET
ejif-4433	127	53	economy	economy	NOUN
ejif-4433	127	54	.	.	PUNCT
ejif-4433	128	1	researcher	researcher	NOUN
ejif-4433	128	2	stated	state	VERB
ejif-4433	128	3	that	that	SCONJ
ejif-4433	128	4	competitive	competitive	ADJ
ejif-4433	128	5	advantage	advantage	NOUN
ejif-4433	128	6	of	of	ADP
ejif-4433	128	7	banks	bank	NOUN
ejif-4433	128	8	help	help	VERB
ejif-4433	128	9	them	they	PRON
ejif-4433	128	10	to	to	PART
ejif-4433	128	11	gain	gain	VERB
ejif-4433	128	12	long	long	ADJ
ejif-4433	128	13	term	term	NOUN
ejif-4433	128	14	profit	profit	NOUN
ejif-4433	128	15	in	in	ADP
ejif-4433	128	16	the	the	DET
ejif-4433	128	17	market	market	NOUN
ejif-4433	128	18	.	.	PUNCT
ejif-4433	129	1	h6	h6	NOUN
ejif-4433	129	2	:	:	PUNCT
ejif-4433	129	3	competitive	competitive	ADJ
ejif-4433	129	4	advantage	advantage	NOUN
ejif-4433	129	5	positively	positively	ADV
ejif-4433	129	6	influence	influence	VERB
ejif-4433	129	7	the	the	DET
ejif-4433	129	8	profitability	profitability	NOUN
ejif-4433	129	9	of	of	ADP
ejif-4433	129	10	islamic	islamic	ADJ
ejif-4433	129	11	banking	banking	NOUN
ejif-4433	129	12	sector	sector	NOUN
ejif-4433	129	13	influence	influence	NOUN
ejif-4433	129	14	of	of	ADP
ejif-4433	129	15	service	service	NOUN
ejif-4433	129	16	quality	quality	NOUN
ejif-4433	129	17	on	on	ADP
ejif-4433	129	18	islamic	islamic	PROPN
ejif-4433	129	19	bank	bank	PROPN
ejif-4433	129	20	’s	’s	PART
ejif-4433	129	21	profitability	profitability	NOUN
ejif-4433	129	22	the	the	DET
ejif-4433	129	23	quality	quality	NOUN
ejif-4433	129	24	of	of	ADP
ejif-4433	129	25	service	service	NOUN
ejif-4433	129	26	generated	generate	VERB
ejif-4433	129	27	is	be	AUX
ejif-4433	129	28	highly	highly	ADV
ejif-4433	129	29	depends	depend	VERB
ejif-4433	129	30	upon	upon	SCONJ
ejif-4433	129	31	customers	customer	NOUN
ejif-4433	129	32	and	and	CCONJ
ejif-4433	129	33	their	their	PRON
ejif-4433	129	34	ability	ability	NOUN
ejif-4433	129	35	to	to	PART
ejif-4433	129	36	participate	participate	VERB
ejif-4433	129	37	in	in	ADP
ejif-4433	129	38	process	process	NOUN
ejif-4433	129	39	of	of	ADP
ejif-4433	129	40	service	service	NOUN
ejif-4433	129	41	and	and	CCONJ
ejif-4433	129	42	also	also	ADV
ejif-4433	129	43	on	on	ADP
ejif-4433	129	44	the	the	DET
ejif-4433	129	45	ability	ability	NOUN
ejif-4433	129	46	to	to	PART
ejif-4433	129	47	recognize	recognize	VERB
ejif-4433	129	48	the	the	DET
ejif-4433	129	49	service	service	NOUN
ejif-4433	129	50	quality	quality	NOUN
ejif-4433	129	51	generated	generate	VERB
ejif-4433	129	52	.	.	PUNCT
ejif-4433	130	1	according	accord	VERB
ejif-4433	130	2	to	to	ADP
ejif-4433	130	3	[	[	X
ejif-4433	130	4	6	6	NUM
ejif-4433	130	5	]	]	PUNCT
ejif-4433	130	6	,	,	PUNCT
ejif-4433	130	7	service	service	NOUN
ejif-4433	130	8	quality	quality	NOUN
ejif-4433	130	9	positively	positively	ADV
ejif-4433	130	10	and	and	CCONJ
ejif-4433	130	11	significantly	significantly	ADV
ejif-4433	130	12	influences	influence	VERB
ejif-4433	130	13	the	the	DET
ejif-4433	130	14	profitability	profitability	NOUN
ejif-4433	130	15	of	of	ADP
ejif-4433	130	16	islamic	islamic	PROPN
ejif-4433	130	17	bank	bank	PROPN
ejif-4433	130	18	as	as	ADP
ejif-4433	130	19	better	well	ADJ
ejif-4433	130	20	quality	quality	NOUN
ejif-4433	130	21	of	of	ADP
ejif-4433	130	22	services	service	NOUN
ejif-4433	130	23	is	be	AUX
ejif-4433	130	24	always	always	ADV
ejif-4433	130	25	preference	preference	NOUN
ejif-4433	130	26	of	of	ADP
ejif-4433	130	27	customer	customer	NOUN
ejif-4433	130	28	.	.	PUNCT
ejif-4433	131	1	h7	h7	PROPN
ejif-4433	131	2	:	:	PUNCT
ejif-4433	131	3	service	service	NOUN
ejif-4433	131	4	quality	quality	NOUN
ejif-4433	131	5	positively	positively	ADV
ejif-4433	131	6	influence	influence	VERB
ejif-4433	131	7	the	the	DET
ejif-4433	131	8	profitability	profitability	NOUN
ejif-4433	131	9	of	of	ADP
ejif-4433	131	10	islamic	islamic	ADJ
ejif-4433	131	11	banking	banking	NOUN
ejif-4433	131	12	sector	sector	NOUN
ejif-4433	131	13	.	.	PUNCT
ejif-4433	132	1	influence	influence	NOUN
ejif-4433	132	2	of	of	ADP
ejif-4433	132	3	religious	religious	ADJ
ejif-4433	132	4	obligation	obligation	NOUN
ejif-4433	132	5	on	on	ADP
ejif-4433	132	6	islamic	islamic	PROPN
ejif-4433	132	7	bank	bank	PROPN
ejif-4433	132	8	’s	’s	PART
ejif-4433	132	9	profitability	profitability	NOUN
ejif-4433	132	10	yusoff	yusoff	NOUN
ejif-4433	132	11	and	and	CCONJ
ejif-4433	132	12	azurah	azurah	PROPN
ejif-4433	132	13	(	(	PUNCT
ejif-4433	132	14	2014)[29	2014)[29	NOUN
ejif-4433	132	15	]	]	PUNCT
ejif-4433	132	16	asserted	assert	VERB
ejif-4433	132	17	that	that	SCONJ
ejif-4433	132	18	in	in	ADP
ejif-4433	132	19	order	order	NOUN
ejif-4433	132	20	to	to	PART
ejif-4433	132	21	figure	figure	VERB
ejif-4433	132	22	out	out	ADP
ejif-4433	132	23	the	the	DET
ejif-4433	132	24	muslims	muslim	NOUN
ejif-4433	132	25	’	'	PUNCT
ejif-4433	132	26	behavior	behavior	NOUN
ejif-4433	132	27	regarding	regard	VERB
ejif-4433	132	28	traditional	traditional	ADJ
ejif-4433	132	29	services	service	NOUN
ejif-4433	132	30	and	and	CCONJ
ejif-4433	132	31	suitability	suitability	NOUN
ejif-4433	132	32	,	,	PUNCT
ejif-4433	132	33	the	the	DET
ejif-4433	132	34	most	most	ADV
ejif-4433	132	35	essential	essential	ADJ
ejif-4433	132	36	element	element	NOUN
ejif-4433	132	37	is	be	AUX
ejif-4433	132	38	religion	religion	NOUN
ejif-4433	132	39	.	.	PUNCT
ejif-4433	133	1	based	base	VERB
ejif-4433	133	2	on	on	ADP
ejif-4433	133	3	previous	previous	ADJ
ejif-4433	133	4	studies	study	NOUN
ejif-4433	133	5	,	,	PUNCT
ejif-4433	133	6	[	[	X
ejif-4433	133	7	7	7	NUM
ejif-4433	133	8	]	]	PUNCT
ejif-4433	133	9	defined	define	VERB
ejif-4433	133	10	islamic	islamic	ADJ
ejif-4433	133	11	ethical	ethical	ADJ
ejif-4433	133	12	behavior	behavior	NOUN
ejif-4433	133	13	.	.	PUNCT
ejif-4433	134	1	this	this	DET
ejif-4433	134	2	study	study	NOUN
ejif-4433	134	3	is	be	AUX
ejif-4433	134	4	pakistan	pakistan	PROPN
ejif-4433	134	5	based	base	VERB
ejif-4433	134	6	and	and	CCONJ
ejif-4433	134	7	according	accord	VERB
ejif-4433	134	8	to	to	ADP
ejif-4433	134	9	this	this	DET
ejif-4433	134	10	study	study	NOUN
ejif-4433	134	11	customer	customer	NOUN
ejif-4433	134	12	choose	choose	VERB
ejif-4433	134	13	islamic	islamic	PROPN
ejif-4433	134	14	bank	bank	PROPN
ejif-4433	134	15	because	because	SCONJ
ejif-4433	134	16	it	it	PRON
ejif-4433	134	17	avoid	avoid	VERB
ejif-4433	134	18	interest	interest	NOUN
ejif-4433	134	19	which	which	PRON
ejif-4433	134	20	is	be	AUX
ejif-4433	134	21	prohibited	prohibit	VERB
ejif-4433	134	22	in	in	ADP
ejif-4433	134	23	islam	islam	PROPN
ejif-4433	134	24	.	.	PUNCT
ejif-4433	135	1	the	the	DET
ejif-4433	135	2	study	study	NOUN
ejif-4433	135	3	found	find	VERB
ejif-4433	135	4	positive	positive	ADJ
ejif-4433	135	5	relationship	relationship	NOUN
ejif-4433	135	6	between	between	ADP
ejif-4433	135	7	religious	religious	ADJ
ejif-4433	135	8	obligation	obligation	NOUN
ejif-4433	135	9	followed	follow	VERB
ejif-4433	135	10	by	by	ADP
ejif-4433	135	11	banks	bank	NOUN
ejif-4433	135	12	and	and	CCONJ
ejif-4433	135	13	customer	customer	NOUN
ejif-4433	135	14	preference	preference	NOUN
ejif-4433	135	15	also	also	ADV
ejif-4433	135	16	positive	positive	ADJ
ejif-4433	135	17	association	association	NOUN
ejif-4433	135	18	found	find	VERB
ejif-4433	135	19	with	with	ADP
ejif-4433	135	20	bank	bank	NOUN
ejif-4433	135	21	profitability	profitability	NOUN
ejif-4433	135	22	.	.	PUNCT
ejif-4433	136	1	h8	h8	NOUN
ejif-4433	136	2	:	:	PUNCT
ejif-4433	136	3	religious	religious	ADJ
ejif-4433	136	4	obligation	obligation	NOUN
ejif-4433	136	5	positively	positively	ADV
ejif-4433	136	6	influence	influence	VERB
ejif-4433	136	7	the	the	DET
ejif-4433	136	8	profitability	profitability	NOUN
ejif-4433	136	9	of	of	ADP
ejif-4433	136	10	islamic	islamic	ADJ
ejif-4433	136	11	banking	banking	NOUN
ejif-4433	136	12	sector	sector	NOUN
ejif-4433	136	13	.	.	PUNCT
ejif-4433	137	1	section	section	NOUN
ejif-4433	137	2	3	3	NUM
ejif-4433	137	3	:	:	PUNCT
ejif-4433	137	4	theoretical	theoretical	ADJ
ejif-4433	137	5	support/	support/	NUM
ejif-4433	137	6	foundation	foundation	NOUN
ejif-4433	137	7	in	in	ADP
ejif-4433	137	8	this	this	DET
ejif-4433	137	9	section	section	NOUN
ejif-4433	137	10	,	,	PUNCT
ejif-4433	137	11	selected	select	VERB
ejif-4433	137	12	topic	topic	NOUN
ejif-4433	137	13	is	be	AUX
ejif-4433	137	14	supported	support	VERB
ejif-4433	137	15	by	by	ADP
ejif-4433	137	16	various	various	ADJ
ejif-4433	137	17	theories	theory	NOUN
ejif-4433	137	18	which	which	PRON
ejif-4433	137	19	are	be	AUX
ejif-4433	137	20	used	use	VERB
ejif-4433	137	21	to	to	PART
ejif-4433	137	22	define	define	VERB
ejif-4433	137	23	nature	nature	NOUN
ejif-4433	137	24	of	of	ADP
ejif-4433	137	25	relationship	relationship	NOUN
ejif-4433	137	26	existence	existence	NOUN
ejif-4433	137	27	.	.	PUNCT
ejif-4433	138	1	1.6	1.6	NUM
ejif-4433	138	2	.	.	PUNCT
ejif-4433	139	1	the	the	DET
ejif-4433	139	2	anticipated	anticipate	VERB
ejif-4433	139	3	income	income	NOUN
ejif-4433	139	4	theory	theory	NOUN
ejif-4433	139	5	the	the	DET
ejif-4433	139	6	theory	theory	NOUN
ejif-4433	139	7	of	of	ADP
ejif-4433	139	8	anticipated	anticipate	VERB
ejif-4433	139	9	income	income	NOUN
ejif-4433	139	10	was	be	AUX
ejif-4433	139	11	developed	develop	VERB
ejif-4433	139	12	in	in	ADP
ejif-4433	139	13	1944	1944	NUM
ejif-4433	139	14	and	and	CCONJ
ejif-4433	139	15	author	author	NOUN
ejif-4433	139	16	of	of	ADP
ejif-4433	139	17	this	this	DET
ejif-4433	139	18	theory	theory	NOUN
ejif-4433	139	19	was	be	AUX
ejif-4433	139	20	h.v	h.v	PROPN
ejif-4433	139	21	.	.	PROPN
ejif-4433	139	22	prochanow	prochanow	PROPN
ejif-4433	139	23	.	.	PUNCT
ejif-4433	140	1	prochanow	prochanow	VERB
ejif-4433	140	2	in	in	ADP
ejif-4433	140	3	1949	1949	NUM
ejif-4433	140	4	regarding	regard	VERB
ejif-4433	140	5	liquidity	liquidity	NOUN
ejif-4433	140	6	management	management	NOUN
ejif-4433	140	7	by	by	ADP
ejif-4433	140	8	the	the	DET
ejif-4433	140	9	banks	bank	NOUN
ejif-4433	140	10	;	;	PUNCT
ejif-4433	140	11	according	accord	VERB
ejif-4433	140	12	to	to	ADP
ejif-4433	140	13	this	this	DET
ejif-4433	140	14	theory	theory	NOUN
ejif-4433	140	15	banks	bank	NOUN
ejif-4433	140	16	should	should	AUX
ejif-4433	140	17	offer	offer	VERB
ejif-4433	140	18	short	short	ADJ
ejif-4433	140	19	term	term	NOUN
ejif-4433	140	20	as	as	ADV
ejif-4433	140	21	well	well	ADV
ejif-4433	140	22	as	as	ADP
ejif-4433	140	23	long	long	ADJ
ejif-4433	140	24	term	term	NOUN
ejif-4433	140	25	loans	loan	NOUN
ejif-4433	140	26	.	.	PUNCT
ejif-4433	141	1	the	the	DET
ejif-4433	141	2	banks	bank	NOUN
ejif-4433	141	3	need	need	VERB
ejif-4433	141	4	to	to	PART
ejif-4433	141	5	keep	keep	VERB
ejif-4433	141	6	more	more	ADJ
ejif-4433	141	7	liquid	liquid	ADJ
ejif-4433	141	8	assets	asset	NOUN
ejif-4433	141	9	(	(	PUNCT
ejif-4433	141	10	quick	quick	ADJ
ejif-4433	141	11	ratio	ratio	NOUN
ejif-4433	141	12	and	and	CCONJ
ejif-4433	141	13	cash	cash	NOUN
ejif-4433	141	14	deposit	deposit	NOUN
ejif-4433	141	15	ratio	ratio	NOUN
ejif-4433	141	16	)	)	PUNCT
ejif-4433	141	17	;	;	PUNCT
ejif-4433	141	18	neither	neither	PRON
ejif-4433	141	19	needs	need	VERB
ejif-4433	141	20	to	to	PART
ejif-4433	141	21	invest	invest	VERB
ejif-4433	141	22	in	in	ADP
ejif-4433	141	23	short	short	ADJ
ejif-4433	141	24	term	term	NOUN
ejif-4433	141	25	marketable	marketable	ADJ
ejif-4433	141	26	securities	security	NOUN
ejif-4433	141	27	for	for	ADP
ejif-4433	141	28	their	their	PRON
ejif-4433	141	29	liquidity	liquidity	NOUN
ejif-4433	141	30	management	management	NOUN
ejif-4433	141	31	but	but	CCONJ
ejif-4433	141	32	they	they	PRON
ejif-4433	141	33	should	should	AUX
ejif-4433	141	34	manage	manage	VERB
ejif-4433	141	35	their	their	PRON
ejif-4433	141	36	liquidity	liquidity	NOUN
ejif-4433	141	37	on	on	ADP
ejif-4433	141	38	the	the	DET
ejif-4433	141	39	basis	basis	NOUN
ejif-4433	141	40	of	of	ADP
ejif-4433	141	41	anticipated	anticipated	ADJ
ejif-4433	141	42	income	income	NOUN
ejif-4433	141	43	of	of	ADP
ejif-4433	141	44	the	the	DET
ejif-4433	141	45	borrowers	borrower	NOUN
ejif-4433	141	46	.	.	PUNCT
ejif-4433	142	1	1.7	1.7	NUM
ejif-4433	142	2	.	.	PUNCT
ejif-4433	143	1	the	the	DET
ejif-4433	143	2	asymmetry	asymmetry	NOUN
ejif-4433	143	3	information	information	NOUN
ejif-4433	143	4	theory	theory	NOUN
ejif-4433	143	5	the	the	DET
ejif-4433	143	6	asymmetry	asymmetry	NOUN
ejif-4433	143	7	information	information	NOUN
ejif-4433	143	8	theory	theory	NOUN
ejif-4433	143	9	supported	support	VERB
ejif-4433	143	10	the	the	DET
ejif-4433	143	11	concept	concept	NOUN
ejif-4433	143	12	of	of	ADP
ejif-4433	143	13	non	non	ADJ
ejif-4433	143	14	-	-	ADJ
ejif-4433	143	15	performing	performing	ADJ
ejif-4433	143	16	loans	loan	NOUN
ejif-4433	143	17	factor	factor	NOUN
ejif-4433	143	18	selected	select	VERB
ejif-4433	143	19	by	by	ADP
ejif-4433	143	20	present	present	ADJ
ejif-4433	143	21	study	study	NOUN
ejif-4433	143	22	.	.	PUNCT
ejif-4433	144	1	according	accord	VERB
ejif-4433	144	2	to	to	ADP
ejif-4433	144	3	current	current	ADJ
ejif-4433	144	4	study	study	NOUN
ejif-4433	144	5	nonperforming	nonperforme	VERB
ejif-4433	144	6	loans	loan	NOUN
ejif-4433	144	7	of	of	ADP
ejif-4433	144	8	bank	bank	NOUN
ejif-4433	144	9	has	have	VERB
ejif-4433	144	10	serious	serious	ADJ
ejif-4433	144	11	impact	impact	NOUN
ejif-4433	144	12	on	on	ADP
ejif-4433	144	13	the	the	DET
ejif-4433	144	14	profitability	profitability	NOUN
ejif-4433	144	15	of	of	ADP
ejif-4433	144	16	organization	organization	NOUN
ejif-4433	144	17	.	.	PUNCT
ejif-4433	145	1	asymmetry	asymmetry	NOUN
ejif-4433	145	2	information	information	NOUN
ejif-4433	145	3	theory	theory	NOUN
ejif-4433	145	4	supported	support	VERB
ejif-4433	145	5	this	this	DET
ejif-4433	145	6	concept	concept	NOUN
ejif-4433	145	7	and	and	CCONJ
ejif-4433	145	8	explained	explain	VERB
ejif-4433	145	9	that	that	SCONJ
ejif-4433	145	10	ejif	ejif	PROPN
ejif-4433	145	11	–	–	PUNCT
ejif-4433	145	12	european	european	PROPN
ejif-4433	145	13	journal	journal	PROPN
ejif-4433	145	14	of	of	ADP
ejif-4433	145	15	islamic	islamic	PROPN
ejif-4433	145	16	finance	finance	PROPN
ejif-4433	145	17	no15	no15	PROPN
ejif-4433	145	18	,	,	PUNCT
ejif-4433	145	19	august	august	PROPN
ejif-4433	145	20	(	(	PUNCT
ejif-4433	145	21	2020	2020	NUM
ejif-4433	145	22	)	)	PUNCT
ejif-4433	146	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	146	2	issn	issn	VERB
ejif-4433	146	3	2421	2421	NUM
ejif-4433	146	4	-	-	SYM
ejif-4433	146	5	2172	2172	NUM
ejif-4433	146	6	6	6	NUM
ejif-4433	146	7	reasons	reason	NOUN
ejif-4433	146	8	of	of	ADP
ejif-4433	146	9	non	non	ADJ
ejif-4433	146	10	-	-	ADJ
ejif-4433	146	11	performing	performing	ADJ
ejif-4433	146	12	loans	loan	NOUN
ejif-4433	146	13	are	be	AUX
ejif-4433	146	14	wrong	wrong	ADJ
ejif-4433	146	15	and	and	CCONJ
ejif-4433	146	16	irregular	irregular	ADJ
ejif-4433	146	17	information	information	NOUN
ejif-4433	146	18	flow	flow	NOUN
ejif-4433	146	19	between	between	ADP
ejif-4433	146	20	buyers	buyer	NOUN
ejif-4433	146	21	and	and	CCONJ
ejif-4433	146	22	sellers	seller	NOUN
ejif-4433	146	23	and	and	CCONJ
ejif-4433	146	24	it	it	PRON
ejif-4433	146	25	cause	cause	VERB
ejif-4433	146	26	low	low	ADJ
ejif-4433	146	27	profitability	profitability	NOUN
ejif-4433	146	28	of	of	ADP
ejif-4433	146	29	bank	bank	NOUN
ejif-4433	146	30	.	.	PUNCT
ejif-4433	147	1	1.8	1.8	NUM
ejif-4433	147	2	.	.	PUNCT
ejif-4433	147	3	theory	theory	NOUN
ejif-4433	147	4	of	of	ADP
ejif-4433	147	5	reasoned	reason	VERB
ejif-4433	147	6	action	action	NOUN
ejif-4433	147	7	according	accord	VERB
ejif-4433	147	8	to	to	ADP
ejif-4433	147	9	this	this	DET
ejif-4433	147	10	theory	theory	NOUN
ejif-4433	147	11	our	our	PRON
ejif-4433	147	12	every	every	DET
ejif-4433	147	13	action	action	NOUN
ejif-4433	147	14	is	be	AUX
ejif-4433	147	15	based	base	VERB
ejif-4433	147	16	on	on	ADP
ejif-4433	147	17	some	some	DET
ejif-4433	147	18	reason	reason	NOUN
ejif-4433	147	19	and	and	CCONJ
ejif-4433	147	20	theory	theory	NOUN
ejif-4433	147	21	of	of	ADP
ejif-4433	147	22	reasoned	reason	VERB
ejif-4433	147	23	action	action	NOUN
ejif-4433	147	24	model	model	NOUN
ejif-4433	147	25	predict	predict	VERB
ejif-4433	147	26	the	the	DET
ejif-4433	147	27	behavioral	behavioral	ADJ
ejif-4433	147	28	intention	intention	NOUN
ejif-4433	147	29	of	of	ADP
ejif-4433	147	30	individual	individual	NOUN
ejif-4433	147	31	[	[	X
ejif-4433	147	32	12	12	NUM
ejif-4433	147	33	]	]	X
ejif-4433	148	1	[	[	X
ejif-4433	148	2	27	27	NUM
ejif-4433	148	3	]	]	PUNCT
ejif-4433	148	4	.	.	PUNCT
ejif-4433	149	1	so	so	ADV
ejif-4433	149	2	,	,	PUNCT
ejif-4433	149	3	customer	customer	NOUN
ejif-4433	149	4	action	action	NOUN
ejif-4433	149	5	of	of	ADP
ejif-4433	149	6	making	make	VERB
ejif-4433	149	7	decision	decision	NOUN
ejif-4433	149	8	regarding	regard	VERB
ejif-4433	149	9	islamic	islamic	PROPN
ejif-4433	149	10	bank	bank	NOUN
ejif-4433	149	11	product	product	NOUN
ejif-4433	149	12	is	be	AUX
ejif-4433	149	13	based	base	VERB
ejif-4433	149	14	on	on	ADP
ejif-4433	149	15	bank	bank	NOUN
ejif-4433	149	16	’s	’s	PART
ejif-4433	149	17	excellent	excellent	ADJ
ejif-4433	149	18	competitive	competitive	ADJ
ejif-4433	149	19	advantage	advantage	NOUN
ejif-4433	149	20	,	,	PUNCT
ejif-4433	149	21	service	service	NOUN
ejif-4433	149	22	quality	quality	NOUN
ejif-4433	149	23	and	and	CCONJ
ejif-4433	149	24	religious	religious	ADJ
ejif-4433	149	25	obligation	obligation	NOUN
ejif-4433	149	26	(	(	PUNCT
ejif-4433	149	27	following	follow	VERB
ejif-4433	149	28	shariah	shariah	PROPN
ejif-4433	149	29	complaints	complaint	NOUN
ejif-4433	149	30	)	)	PUNCT
ejif-4433	149	31	.	.	PUNCT
ejif-4433	150	1	1.9	1.9	NUM
ejif-4433	150	2	.	.	PUNCT
ejif-4433	150	3	conceptual	conceptual	ADJ
ejif-4433	150	4	framework	framework	PROPN
ejif-4433	150	5	ii	ii	PROPN
ejif-4433	150	6	.	.	PROPN
ejif-4433	150	7	methodology	methodology	PROPN
ejif-4433	150	8	methodology	methodology	NOUN
ejif-4433	150	9	section	section	NOUN
ejif-4433	150	10	shows	show	VERB
ejif-4433	150	11	the	the	DET
ejif-4433	150	12	research	research	NOUN
ejif-4433	150	13	approach	approach	NOUN
ejif-4433	150	14	,	,	PUNCT
ejif-4433	150	15	specification	specification	NOUN
ejif-4433	150	16	,	,	PUNCT
ejif-4433	150	17	data	datum	NOUN
ejif-4433	150	18	collection	collection	NOUN
ejif-4433	150	19	process	process	NOUN
ejif-4433	150	20	and	and	CCONJ
ejif-4433	150	21	details	detail	NOUN
ejif-4433	150	22	of	of	ADP
ejif-4433	150	23	data	datum	NOUN
ejif-4433	150	24	in	in	ADP
ejif-4433	150	25	order	order	NOUN
ejif-4433	150	26	for	for	SCONJ
ejif-4433	150	27	it	it	PRON
ejif-4433	150	28	to	to	PART
ejif-4433	150	29	be	be	AUX
ejif-4433	150	30	examined	examine	VERB
ejif-4433	150	31	.	.	PUNCT
ejif-4433	151	1	ramamurthy	ramamurthy	ADJ
ejif-4433	151	2	(	(	PUNCT
ejif-4433	151	3	2011)[22	2011)[22	PROPN
ejif-4433	151	4	]	]	PUNCT
ejif-4433	151	5	describes	describe	VERB
ejif-4433	151	6	that	that	PRON
ejif-4433	151	7	primary	primary	ADJ
ejif-4433	151	8	data	datum	NOUN
ejif-4433	151	9	source	source	NOUN
ejif-4433	151	10	provides	provide	VERB
ejif-4433	151	11	efficient	efficient	ADJ
ejif-4433	151	12	information	information	NOUN
ejif-4433	151	13	,	,	PUNCT
ejif-4433	151	14	and	and	CCONJ
ejif-4433	151	15	the	the	DET
ejif-4433	151	16	researcher	researcher	NOUN
ejif-4433	151	17	is	be	AUX
ejif-4433	151	18	able	able	ADJ
ejif-4433	151	19	to	to	PART
ejif-4433	151	20	examine	examine	VERB
ejif-4433	151	21	new	new	ADJ
ejif-4433	151	22	updated	update	VERB
ejif-4433	151	23	information	information	NOUN
ejif-4433	151	24	.	.	PUNCT
ejif-4433	152	1	study	study	NOUN
ejif-4433	152	2	utilized	utilize	VERB
ejif-4433	152	3	the	the	DET
ejif-4433	152	4	primary	primary	ADJ
ejif-4433	152	5	data	datum	NOUN
ejif-4433	152	6	collecting	collect	VERB
ejif-4433	152	7	technique	technique	NOUN
ejif-4433	152	8	.	.	PUNCT
ejif-4433	153	1	survey	survey	NOUN
ejif-4433	153	2	was	be	AUX
ejif-4433	153	3	conducted	conduct	VERB
ejif-4433	153	4	from	from	ADP
ejif-4433	153	5	senior	senior	ADJ
ejif-4433	153	6	managers	manager	NOUN
ejif-4433	153	7	of	of	ADP
ejif-4433	153	8	islamic	islamic	ADJ
ejif-4433	153	9	banks	bank	NOUN
ejif-4433	153	10	in	in	ADP
ejif-4433	153	11	order	order	NOUN
ejif-4433	153	12	to	to	PART
ejif-4433	153	13	examine	examine	VERB
ejif-4433	153	14	the	the	DET
ejif-4433	153	15	internal	internal	ADJ
ejif-4433	153	16	and	and	CCONJ
ejif-4433	153	17	external	external	ADJ
ejif-4433	153	18	factors	factor	NOUN
ejif-4433	153	19	influence	influence	NOUN
ejif-4433	153	20	on	on	ADP
ejif-4433	153	21	islamic	islamic	ADJ
ejif-4433	153	22	banks	bank	NOUN
ejif-4433	153	23	profitability	profitability	NOUN
ejif-4433	153	24	.	.	PUNCT
ejif-4433	154	1	researcher	researcher	NOUN
ejif-4433	154	2	also	also	ADV
ejif-4433	154	3	gets	get	VERB
ejif-4433	154	4	input	input	NOUN
ejif-4433	154	5	from	from	ADP
ejif-4433	154	6	senior	senior	ADJ
ejif-4433	154	7	managers	manager	NOUN
ejif-4433	154	8	regarding	regard	VERB
ejif-4433	154	9	role	role	NOUN
ejif-4433	154	10	(	(	PUNCT
ejif-4433	154	11	factors	factor	NOUN
ejif-4433	154	12	ranking	rank	VERB
ejif-4433	154	13	)	)	PUNCT
ejif-4433	154	14	of	of	ADP
ejif-4433	154	15	internal	internal	ADJ
ejif-4433	154	16	factors	factor	NOUN
ejif-4433	154	17	in	in	ADP
ejif-4433	154	18	generating	generate	VERB
ejif-4433	154	19	the	the	DET
ejif-4433	154	20	profitability	profitability	NOUN
ejif-4433	154	21	of	of	ADP
ejif-4433	154	22	islamic	islamic	ADJ
ejif-4433	154	23	banks	bank	NOUN
ejif-4433	154	24	.	.	PUNCT
ejif-4433	155	1	this	this	PRON
ejif-4433	155	2	is	be	AUX
ejif-4433	155	3	the	the	DET
ejif-4433	155	4	major	major	ADJ
ejif-4433	155	5	contribution	contribution	NOUN
ejif-4433	155	6	of	of	ADP
ejif-4433	155	7	present	present	ADJ
ejif-4433	155	8	study	study	NOUN
ejif-4433	155	9	,	,	PUNCT
ejif-4433	155	10	is	be	AUX
ejif-4433	155	11	identifying	identify	VERB
ejif-4433	155	12	the	the	DET
ejif-4433	155	13	various	various	ADJ
ejif-4433	155	14	factors	factor	NOUN
ejif-4433	155	15	external	external	ADJ
ejif-4433	155	16	and	and	CCONJ
ejif-4433	155	17	internal	internal	ADJ
ejif-4433	155	18	from	from	ADP
ejif-4433	155	19	profitability	profitability	NOUN
ejif-4433	155	20	analysis	analysis	NOUN
ejif-4433	155	21	of	of	ADP
ejif-4433	155	22	islamic	islamic	ADJ
ejif-4433	155	23	banks	bank	NOUN
ejif-4433	155	24	.	.	PUNCT
ejif-4433	156	1	another	another	DET
ejif-4433	156	2	contribution	contribution	NOUN
ejif-4433	156	3	of	of	ADP
ejif-4433	156	4	methodology	methodology	NOUN
ejif-4433	156	5	is	be	AUX
ejif-4433	156	6	that	that	PRON
ejif-4433	156	7	study	study	NOUN
ejif-4433	156	8	collected	collect	VERB
ejif-4433	156	9	data	datum	NOUN
ejif-4433	156	10	from	from	ADP
ejif-4433	156	11	fully	fully	ADV
ejif-4433	156	12	fledged	fledged	ADJ
ejif-4433	156	13	islamic	islamic	ADJ
ejif-4433	156	14	banks	bank	NOUN
ejif-4433	156	15	the	the	DET
ejif-4433	156	16	data	datum	NOUN
ejif-4433	156	17	was	be	AUX
ejif-4433	156	18	collected	collect	VERB
ejif-4433	156	19	from	from	ADP
ejif-4433	156	20	ten	ten	NUM
ejif-4433	156	21	big	big	ADJ
ejif-4433	156	22	cities	city	NOUN
ejif-4433	156	23	of	of	ADP
ejif-4433	156	24	pakistan	pakistan	PROPN
ejif-4433	156	25	.	.	PUNCT
ejif-4433	157	1	no	no	DET
ejif-4433	157	2	study	study	NOUN
ejif-4433	157	3	has	have	AUX
ejif-4433	157	4	been	be	AUX
ejif-4433	157	5	conducted	conduct	VERB
ejif-4433	157	6	to	to	PART
ejif-4433	157	7	explore	explore	VERB
ejif-4433	157	8	the	the	DET
ejif-4433	157	9	reason	reason	NOUN
ejif-4433	157	10	of	of	ADP
ejif-4433	157	11	profitability	profitability	NOUN
ejif-4433	157	12	decline	decline	NOUN
ejif-4433	157	13	and	and	CCONJ
ejif-4433	157	14	bankruptcy	bankruptcy	NOUN
ejif-4433	157	15	of	of	ADP
ejif-4433	157	16	islamic	islamic	ADJ
ejif-4433	157	17	banking	banking	NOUN
ejif-4433	157	18	from	from	ADP
ejif-4433	157	19	last	last	ADJ
ejif-4433	157	20	ten	ten	NUM
ejif-4433	157	21	year	year	NOUN
ejif-4433	157	22	.	.	PUNCT
ejif-4433	158	1	the	the	DET
ejif-4433	158	2	present	present	ADJ
ejif-4433	158	3	study	study	NOUN
ejif-4433	158	4	focuses	focus	VERB
ejif-4433	158	5	on	on	ADP
ejif-4433	158	6	fully	fully	ADV
ejif-4433	158	7	fledged	fledged	ADJ
ejif-4433	158	8	islamic	islamic	ADJ
ejif-4433	158	9	banks	bank	NOUN
ejif-4433	158	10	and	and	CCONJ
ejif-4433	158	11	data	datum	NOUN
ejif-4433	158	12	was	be	AUX
ejif-4433	158	13	collected	collect	VERB
ejif-4433	158	14	from	from	ADP
ejif-4433	158	15	major	major	ADJ
ejif-4433	158	16	ten	ten	NUM
ejif-4433	158	17	cities	city	NOUN
ejif-4433	158	18	of	of	ADP
ejif-4433	158	19	pakistan	pakistan	PROPN
ejif-4433	158	20	because	because	SCONJ
ejif-4433	158	21	these	these	DET
ejif-4433	158	22	cities	city	NOUN
ejif-4433	158	23	are	be	AUX
ejif-4433	158	24	business	business	NOUN
ejif-4433	158	25	centers	center	NOUN
ejif-4433	158	26	and	and	CCONJ
ejif-4433	158	27	every	every	DET
ejif-4433	158	28	islamic	islamic	PROPN
ejif-4433	158	29	bank	bank	PROPN
ejif-4433	158	30	has	have	VERB
ejif-4433	158	31	their	their	PRON
ejif-4433	158	32	many	many	ADJ
ejif-4433	158	33	operational	operational	ADJ
ejif-4433	158	34	branches	branch	NOUN
ejif-4433	158	35	in	in	ADP
ejif-4433	158	36	these	these	DET
ejif-4433	158	37	cities	city	NOUN
ejif-4433	158	38	.	.	PUNCT
ejif-4433	159	1	the	the	DET
ejif-4433	159	2	sample	sample	NOUN
ejif-4433	159	3	of	of	ADP
ejif-4433	159	4	four	four	NUM
ejif-4433	159	5	fully	fully	ADV
ejif-4433	159	6	fledged	fledged	ADJ
ejif-4433	159	7	islamic	islamic	ADJ
ejif-4433	159	8	banks	bank	NOUN
ejif-4433	159	9	includes	include	VERB
ejif-4433	159	10	meezan	meezan	PROPN
ejif-4433	159	11	bank	bank	PROPN
ejif-4433	159	12	limited	limit	VERB
ejif-4433	159	13	,	,	PUNCT
ejif-4433	159	14	dubai	dubai	PROPN
ejif-4433	159	15	islamic	islamic	PROPN
ejif-4433	159	16	bank	bank	PROPN
ejif-4433	159	17	,	,	PUNCT
ejif-4433	159	18	bank	bank	PROPN
ejif-4433	159	19	islami	islami	PROPN
ejif-4433	159	20	pakistan	pakistan	PROPN
ejif-4433	159	21	,	,	PUNCT
ejif-4433	160	1	al	al	PROPN
ejif-4433	160	2	-	-	PUNCT
ejif-4433	160	3	baraka	baraka	PROPN
ejif-4433	160	4	(	(	PUNCT
ejif-4433	160	5	pak	pak	PROPN
ejif-4433	160	6	ltd	ltd	PROPN
ejif-4433	160	7	)	)	PUNCT
ejif-4433	160	8	.	.	PUNCT
ejif-4433	161	1	the	the	DET
ejif-4433	161	2	study	study	NOUN
ejif-4433	161	3	is	be	AUX
ejif-4433	161	4	quantitative	quantitative	ADJ
ejif-4433	161	5	in	in	ADP
ejif-4433	161	6	nature	nature	NOUN
ejif-4433	161	7	and	and	CCONJ
ejif-4433	161	8	deductive	deductive	ADJ
ejif-4433	161	9	[	[	PUNCT
ejif-4433	161	10	9	9	NUM
ejif-4433	161	11	]	]	PUNCT
ejif-4433	161	12	reasoning	reasoning	NOUN
ejif-4433	161	13	is	be	AUX
ejif-4433	161	14	applied	apply	VERB
ejif-4433	161	15	to	to	PART
ejif-4433	161	16	test	test	VERB
ejif-4433	161	17	the	the	DET
ejif-4433	161	18	hypothesis	hypothesis	NOUN
ejif-4433	161	19	.	.	PUNCT
ejif-4433	162	1	lastly	lastly	ADV
ejif-4433	162	2	,	,	PUNCT
ejif-4433	162	3	study	study	NOUN
ejif-4433	162	4	’s	’s	PART
ejif-4433	162	5	methodology	methodology	NOUN
ejif-4433	162	6	contributed	contribute	VERB
ejif-4433	162	7	in	in	ADP
ejif-4433	162	8	sampling	sample	VERB
ejif-4433	162	9	techniques	technique	NOUN
ejif-4433	162	10	of	of	ADP
ejif-4433	162	11	study	study	NOUN
ejif-4433	162	12	,	,	PUNCT
ejif-4433	162	13	a	a	DET
ejif-4433	162	14	multi	multi	ADJ
ejif-4433	162	15	-	-	ADJ
ejif-4433	162	16	stage	stage	ADJ
ejif-4433	162	17	probability	probability	NOUN
ejif-4433	162	18	sampling	sampling	NOUN
ejif-4433	162	19	process	process	NOUN
ejif-4433	162	20	was	be	AUX
ejif-4433	162	21	used	use	VERB
ejif-4433	162	22	.	.	PUNCT
ejif-4433	163	1	for	for	ADP
ejif-4433	163	2	this	this	DET
ejif-4433	163	3	study	study	NOUN
ejif-4433	163	4	researcher	researcher	NOUN
ejif-4433	163	5	made	make	VERB
ejif-4433	163	6	strata	strata	NOUN
ejif-4433	163	7	of	of	ADP
ejif-4433	163	8	four	four	NUM
ejif-4433	163	9	provincial	provincial	ADJ
ejif-4433	163	10	capitals	capital	NOUN
ejif-4433	163	11	and	and	CCONJ
ejif-4433	163	12	one	one	NUM
ejif-4433	163	13	federal	federal	ADJ
ejif-4433	163	14	capital	capital	NOUN
ejif-4433	163	15	(	(	PUNCT
ejif-4433	163	16	punjab	punjab	ADJ
ejif-4433	163	17	,	,	PUNCT
ejif-4433	163	18	sindh	sindh	PROPN
ejif-4433	163	19	,	,	PUNCT
ejif-4433	163	20	baluchistan	baluchistan	PROPN
ejif-4433	163	21	,	,	PUNCT
ejif-4433	163	22	kpk	kpk	PROPN
ejif-4433	163	23	and	and	CCONJ
ejif-4433	163	24	islamabad	islamabad	PROPN
ejif-4433	163	25	federal	federal	ADJ
ejif-4433	163	26	capital	capital	PROPN
ejif-4433	163	27	area	area	PROPN
ejif-4433	163	28	)	)	PUNCT
ejif-4433	163	29	.	.	PUNCT
ejif-4433	164	1	further	far	ADV
ejif-4433	164	2	,	,	PUNCT
ejif-4433	164	3	researcher	researcher	NOUN
ejif-4433	164	4	made	make	VERB
ejif-4433	164	5	sub	sub	NOUN
ejif-4433	164	6	-	-	ADJ
ejif-4433	164	7	strata	strata	ADJ
ejif-4433	164	8	(	(	PUNCT
ejif-4433	164	9	from	from	ADP
ejif-4433	164	10	big	big	ADJ
ejif-4433	164	11	five	five	NUM
ejif-4433	164	12	strata	strata	NOUN
ejif-4433	164	13	)	)	PUNCT
ejif-4433	164	14	of	of	ADP
ejif-4433	164	15	ten	ten	NUM
ejif-4433	164	16	big	big	ADJ
ejif-4433	164	17	cities	city	NOUN
ejif-4433	164	18	of	of	ADP
ejif-4433	164	19	pakistan	pakistan	PROPN
ejif-4433	164	20	includes	include	VERB
ejif-4433	164	21	karachi	karachi	PROPN
ejif-4433	164	22	,	,	PUNCT
ejif-4433	164	23	lahore	lahore	PROPN
ejif-4433	164	24	,	,	PUNCT
ejif-4433	164	25	faisalabad	faisalabad	PROPN
ejif-4433	164	26	,	,	PUNCT
ejif-4433	164	27	rawalpindi	rawalpindi	PROPN
ejif-4433	164	28	/	/	SYM
ejif-4433	164	29	islamabad	islamabad	PROPN
ejif-4433	164	30	,	,	PUNCT
ejif-4433	164	31	gujranwala	gujranwala	PROPN
ejif-4433	164	32	,	,	PUNCT
ejif-4433	164	33	peshawar	peshawar	PROPN
ejif-4433	164	34	,	,	PUNCT
ejif-4433	164	35	multan	multan	PROPN
ejif-4433	164	36	,	,	PUNCT
ejif-4433	164	37	hyderabad	hyderabad	PROPN
ejif-4433	164	38	,	,	PUNCT
ejif-4433	164	39	quetta	quetta	NOUN
ejif-4433	164	40	and	and	CCONJ
ejif-4433	164	41	bahawalpur	bahawalpur	NOUN
ejif-4433	164	42	.	.	PUNCT
ejif-4433	165	1	reason	reason	NOUN
ejif-4433	165	2	of	of	ADP
ejif-4433	165	3	first	first	ADJ
ejif-4433	165	4	ten	ten	NUM
ejif-4433	165	5	big	big	ADJ
ejif-4433	165	6	cities	city	NOUN
ejif-4433	165	7	choice	choice	NOUN
ejif-4433	165	8	is	be	AUX
ejif-4433	165	9	that	that	SCONJ
ejif-4433	165	10	,	,	PUNCT
ejif-4433	165	11	these	these	DET
ejif-4433	165	12	cities	city	NOUN
ejif-4433	165	13	are	be	AUX
ejif-4433	165	14	business	business	NOUN
ejif-4433	165	15	centers	center	NOUN
ejif-4433	165	16	in	in	ADP
ejif-4433	165	17	pakistan	pakistan	PROPN
ejif-4433	165	18	and	and	CCONJ
ejif-4433	165	19	have	have	VERB
ejif-4433	165	20	large	large	ADJ
ejif-4433	165	21	population	population	NOUN
ejif-4433	165	22	that	that	PRON
ejif-4433	165	23	’s	’	VERB
ejif-4433	165	24	why	why	SCONJ
ejif-4433	165	25	banks	bank	NOUN
ejif-4433	165	26	mostly	mostly	ADV
ejif-4433	165	27	target	target	VERB
ejif-4433	165	28	their	their	PRON
ejif-4433	165	29	branch	branch	NOUN
ejif-4433	165	30	network	network	NOUN
ejif-4433	165	31	in	in	ADP
ejif-4433	165	32	these	these	DET
ejif-4433	165	33	big	big	ADJ
ejif-4433	165	34	cities	city	NOUN
ejif-4433	165	35	so	so	SCONJ
ejif-4433	165	36	they	they	PRON
ejif-4433	165	37	can	can	AUX
ejif-4433	165	38	easily	easily	ADV
ejif-4433	165	39	access	access	VERB
ejif-4433	165	40	their	their	PRON
ejif-4433	165	41	customers	customer	NOUN
ejif-4433	165	42	.	.	PUNCT
ejif-4433	166	1	after	after	ADP
ejif-4433	166	2	making	make	VERB
ejif-4433	166	3	sub	sub	NOUN
ejif-4433	166	4	-	-	NOUN
ejif-4433	166	5	strata	strata	ADJ
ejif-4433	166	6	of	of	ADP
ejif-4433	166	7	big	big	ADJ
ejif-4433	166	8	ten	ten	NUM
ejif-4433	166	9	cities	city	NOUN
ejif-4433	166	10	,	,	PUNCT
ejif-4433	166	11	the	the	DET
ejif-4433	166	12	researcher	researcher	NOUN
ejif-4433	166	13	was	be	AUX
ejif-4433	166	14	focused	focus	VERB
ejif-4433	166	15	on	on	ADP
ejif-4433	166	16	disproportionate	disproportionate	ADJ
ejif-4433	166	17	stratification	stratification	NOUN
ejif-4433	166	18	[	[	X
ejif-4433	166	19	2	2	NUM
ejif-4433	166	20	]	]	PUNCT
ejif-4433	166	21	in	in	ADP
ejif-4433	166	22	which	which	PRON
ejif-4433	166	23	the	the	DET
ejif-4433	166	24	size	size	NOUN
ejif-4433	166	25	of	of	ADP
ejif-4433	166	26	each	each	DET
ejif-4433	166	27	stratum	stratum	NOUN
ejif-4433	166	28	is	be	AUX
ejif-4433	166	29	not	not	PART
ejif-4433	166	30	proportional	proportional	ADJ
ejif-4433	166	31	to	to	ADP
ejif-4433	166	32	its	its	PRON
ejif-4433	166	33	size	size	NOUN
ejif-4433	166	34	in	in	ADP
ejif-4433	166	35	the	the	DET
ejif-4433	166	36	population	population	NOUN
ejif-4433	167	1	[	[	X
ejif-4433	167	2	26	26	NUM
ejif-4433	167	3	]	]	PUNCT
ejif-4433	167	4	.	.	PUNCT
ejif-4433	168	1	so	so	ADV
ejif-4433	168	2	for	for	ADP
ejif-4433	168	3	this	this	DET
ejif-4433	168	4	study	study	NOUN
ejif-4433	168	5	,	,	PUNCT
ejif-4433	168	6	sample	sample	NOUN
ejif-4433	168	7	of	of	ADP
ejif-4433	168	8	417	417	NUM
ejif-4433	168	9	senior	senior	ADJ
ejif-4433	168	10	bank	bank	NOUN
ejif-4433	168	11	managers	manager	NOUN
ejif-4433	168	12	who	who	PRON
ejif-4433	168	13	were	be	AUX
ejif-4433	168	14	able	able	ADJ
ejif-4433	168	15	to	to	PART
ejif-4433	168	16	provide	provide	VERB
ejif-4433	168	17	time	time	NOUN
ejif-4433	168	18	and	and	CCONJ
ejif-4433	168	19	easily	easily	ADV
ejif-4433	168	20	accessible	accessible	ADJ
ejif-4433	168	21	were	be	AUX
ejif-4433	168	22	used	use	VERB
ejif-4433	168	23	.	.	PUNCT
ejif-4433	169	1	econometric	econometric	ADJ
ejif-4433	169	2	equation	equation	NOUN
ejif-4433	169	3	:	:	PUNCT
ejif-4433	169	4	pro	pro	X
ejif-4433	169	5	(	(	PUNCT
ejif-4433	169	6	dv	dv	PROPN
ejif-4433	169	7	)	)	PUNCT
ejif-4433	169	8	=	=	SYM
ejif-4433	170	1	αo+β1	αo+β1	PROPN
ejif-4433	170	2	qr+	qr+	NOUN
ejif-4433	170	3	β2	β2	NOUN
ejif-4433	170	4	cdr+	cdr+	PRON
ejif-4433	170	5	β3	β3	VERB
ejif-4433	170	6	acr+β4	acr+β4	PROPN
ejif-4433	170	7	npl+	npl+	PROPN
ejif-4433	170	8	β5	β5	PROPN
ejif-4433	170	9	ngr+β6	ngr+β6	PROPN
ejif-4433	170	10	ca+	ca+	NOUN
ejif-4433	170	11	β7	β7	ADJ
ejif-4433	170	12	ro+	ro+	PROPN
ejif-4433	170	13	β8	β8	NOUN
ejif-4433	170	14	sq	sq	PROPN
ejif-4433	171	1	+	+	CCONJ
ejif-4433	171	2	e	e	X
ejif-4433	171	3	the	the	DET
ejif-4433	171	4	description	description	NOUN
ejif-4433	171	5	of	of	ADP
ejif-4433	171	6	the	the	DET
ejif-4433	171	7	models	model	NOUN
ejif-4433	171	8	used	use	VERB
ejif-4433	171	9	in	in	ADP
ejif-4433	171	10	the	the	DET
ejif-4433	171	11	current	current	ADJ
ejif-4433	171	12	study	study	NOUN
ejif-4433	171	13	is	be	AUX
ejif-4433	171	14	provided	provide	VERB
ejif-4433	171	15	as	as	ADP
ejif-4433	171	16	below	below	ADV
ejif-4433	171	17	:	:	PUNCT
ejif-4433	171	18	pro	pro	X
ejif-4433	171	19	(	(	PUNCT
ejif-4433	171	20	dv	dv	PROPN
ejif-4433	171	21	)	)	PUNCT
ejif-4433	171	22	=	=	SYM
ejif-4433	171	23	profitability	profitability	NOUN
ejif-4433	171	24	qr	qr	NOUN
ejif-4433	171	25	=	=	PUNCT
ejif-4433	171	26	quick	quick	ADJ
ejif-4433	171	27	ratio	ratio	NOUN
ejif-4433	171	28	cd	cd	NOUN
ejif-4433	171	29	=	=	PUNCT
ejif-4433	171	30	cash	cash	NOUN
ejif-4433	171	31	to	to	PART
ejif-4433	171	32	deposit	deposit	VERB
ejif-4433	171	33	ratio	ratio	NOUN
ejif-4433	171	34	acr	acr	PROPN
ejif-4433	171	35	=	=	PUNCT
ejif-4433	171	36	asset	asset	NOUN
ejif-4433	171	37	composition	composition	NOUN
ejif-4433	171	38	ratio	ratio	NOUN
ejif-4433	171	39	npl	npl	NOUN
ejif-4433	171	40	=	=	SYM
ejif-4433	171	41	non	non	ADJ
ejif-4433	171	42	-	-	ADJ
ejif-4433	171	43	performing	perform	VERB
ejif-4433	171	44	loan	loan	NOUN
ejif-4433	171	45	ratio	ratio	NOUN
ejif-4433	171	46	ngr	ngr	PROPN
ejif-4433	171	47	=	=	NOUN
ejif-4433	171	48	net	net	ADJ
ejif-4433	171	49	gearing	gearing	NOUN
ejif-4433	171	50	ratio	ratio	NOUN
ejif-4433	171	51	ca	ca	NOUN
ejif-4433	171	52	=	=	SYM
ejif-4433	171	53	competitive	competitive	ADJ
ejif-4433	171	54	advantage	advantage	NOUN
ejif-4433	171	55	ro	ro	NOUN
ejif-4433	172	1	=	=	NOUN
ejif-4433	172	2	religious	religious	ADJ
ejif-4433	172	3	obligation	obligation	NOUN
ejif-4433	172	4	sq	sq	NOUN
ejif-4433	172	5	=	=	NOUN
ejif-4433	172	6	service	service	NOUN
ejif-4433	172	7	quality	quality	NOUN
ejif-4433	172	8	ejif	ejif	PROPN
ejif-4433	172	9	–	–	PUNCT
ejif-4433	172	10	european	european	PROPN
ejif-4433	172	11	journal	journal	PROPN
ejif-4433	172	12	of	of	ADP
ejif-4433	172	13	islamic	islamic	PROPN
ejif-4433	172	14	finance	finance	PROPN
ejif-4433	172	15	no15	no15	PROPN
ejif-4433	172	16	,	,	PUNCT
ejif-4433	172	17	august	august	PROPN
ejif-4433	172	18	(	(	PUNCT
ejif-4433	172	19	2020	2020	NUM
ejif-4433	172	20	)	)	PUNCT
ejif-4433	173	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	173	2	issn	issn	VERB
ejif-4433	173	3	2421	2421	NUM
ejif-4433	173	4	-	-	SYM
ejif-4433	173	5	2172	2172	NUM
ejif-4433	173	6	7	7	NUM
ejif-4433	173	7	2	2	NUM
ejif-4433	173	8	.	.	PUNCT
ejif-4433	173	9	research	research	NOUN
ejif-4433	173	10	analysis	analysis	NOUN
ejif-4433	173	11	2.1	2.1	NUM
ejif-4433	173	12	.	.	PUNCT
ejif-4433	174	1	demographic	demographic	ADJ
ejif-4433	174	2	analysis	analysis	NOUN
ejif-4433	174	3	the	the	DET
ejif-4433	174	4	purpose	purpose	NOUN
ejif-4433	174	5	of	of	ADP
ejif-4433	174	6	demographic	demographic	ADJ
ejif-4433	174	7	analysis	analysis	NOUN
ejif-4433	174	8	is	be	AUX
ejif-4433	174	9	to	to	PART
ejif-4433	174	10	examine	examine	VERB
ejif-4433	174	11	the	the	DET
ejif-4433	174	12	sample	sample	NOUN
ejif-4433	174	13	characteristics	characteristic	NOUN
ejif-4433	174	14	of	of	ADP
ejif-4433	174	15	the	the	DET
ejif-4433	174	16	study	study	NOUN
ejif-4433	174	17	.	.	PUNCT
ejif-4433	175	1	this	this	DET
ejif-4433	175	2	analysis	analysis	NOUN
ejif-4433	175	3	includes	include	VERB
ejif-4433	175	4	age	age	NOUN
ejif-4433	175	5	,	,	PUNCT
ejif-4433	175	6	gender	gender	NOUN
ejif-4433	175	7	,	,	PUNCT
ejif-4433	175	8	professional	professional	ADJ
ejif-4433	175	9	training	training	NOUN
ejif-4433	175	10	and	and	CCONJ
ejif-4433	175	11	year	year	NOUN
ejif-4433	175	12	of	of	ADP
ejif-4433	175	13	experience	experience	NOUN
ejif-4433	175	14	in	in	ADP
ejif-4433	175	15	islamic	islamic	ADJ
ejif-4433	175	16	banking	banking	NOUN
ejif-4433	175	17	sector	sector	NOUN
ejif-4433	175	18	.	.	PUNCT
ejif-4433	176	1	basically	basically	ADV
ejif-4433	176	2	,	,	PUNCT
ejif-4433	176	3	demographic	demographic	ADJ
ejif-4433	176	4	analysis	analysis	NOUN
ejif-4433	176	5	is	be	AUX
ejif-4433	176	6	used	use	VERB
ejif-4433	176	7	to	to	PART
ejif-4433	176	8	analyze	analyze	VERB
ejif-4433	176	9	the	the	DET
ejif-4433	176	10	personal	personal	ADJ
ejif-4433	176	11	data	datum	NOUN
ejif-4433	176	12	regarding	regard	VERB
ejif-4433	176	13	participant	participant	NOUN
ejif-4433	176	14	of	of	ADP
ejif-4433	176	15	study	study	NOUN
ejif-4433	176	16	.	.	PUNCT
ejif-4433	177	1	table	table	NOUN
ejif-4433	177	2	1	1	NUM
ejif-4433	177	3	:	:	PUNCT
ejif-4433	177	4	demographic	demographic	ADJ
ejif-4433	177	5	analysis	analysis	NOUN
ejif-4433	177	6	questions	question	NOUN
ejif-4433	177	7	options	option	NOUN
ejif-4433	177	8	percent	percent	NOUN
ejif-4433	177	9	obs	obs	PROPN
ejif-4433	177	10	gender	gender	NOUN
ejif-4433	177	11	male	male	ADJ
ejif-4433	177	12	female	female	NOUN
ejif-4433	177	13	63.05	63.05	NUM
ejif-4433	177	14	%	%	NOUN
ejif-4433	177	15	36.95	36.95	NUM
ejif-4433	177	16	%	%	NOUN
ejif-4433	177	17	417	417	NUM
ejif-4433	177	18	age	age	NOUN
ejif-4433	177	19	below	below	ADP
ejif-4433	177	20	20	20	NUM
ejif-4433	177	21	21	21	NUM
ejif-4433	177	22	-	-	SYM
ejif-4433	177	23	30	30	NUM
ejif-4433	177	24	31	31	NUM
ejif-4433	177	25	-	-	SYM
ejif-4433	177	26	40	40	NUM
ejif-4433	177	27	41	41	NUM
ejif-4433	177	28	&	&	CCONJ
ejif-4433	177	29	above	above	ADP
ejif-4433	177	30	0.49	0.49	NUM
ejif-4433	177	31	%	%	NOUN
ejif-4433	177	32	16.75	16.75	NUM
ejif-4433	177	33	%	%	NOUN
ejif-4433	177	34	49.26	49.26	NUM
ejif-4433	177	35	%	%	NOUN
ejif-4433	177	36	33.50	33.50	NUM
ejif-4433	177	37	%	%	NOUN
ejif-4433	177	38	417	417	NUM
ejif-4433	177	39	highest	high	ADJ
ejif-4433	177	40	educational	educational	ADJ
ejif-4433	177	41	degree	degree	NOUN
ejif-4433	177	42	bachelors	bachelor	NOUN
ejif-4433	177	43	master	master	NOUN
ejif-4433	177	44	professional	professional	ADJ
ejif-4433	177	45	degree	degree	NOUN
ejif-4433	177	46	doctorate	doctorate	NOUN
ejif-4433	177	47	others	other	NOUN
ejif-4433	177	48	10.34	10.34	NUM
ejif-4433	177	49	%	%	NOUN
ejif-4433	177	50	40.89	40.89	NUM
ejif-4433	177	51	%	%	NOUN
ejif-4433	177	52	36.45	36.45	NUM
ejif-4433	177	53	%	%	NOUN
ejif-4433	177	54	0.49	0.49	NUM
ejif-4433	177	55	%	%	NOUN
ejif-4433	177	56	11.82	11.82	NUM
ejif-4433	177	57	%	%	NOUN
ejif-4433	177	58	417	417	NUM
ejif-4433	177	59	marital	marital	ADJ
ejif-4433	177	60	status	status	NOUN
ejif-4433	177	61	single	single	ADV
ejif-4433	177	62	married	marry	VERB
ejif-4433	177	63	48.77	48.77	NUM
ejif-4433	177	64	%	%	NOUN
ejif-4433	177	65	51.23	51.23	NUM
ejif-4433	177	66	%	%	NOUN
ejif-4433	177	67	417	417	NUM
ejif-4433	177	68	year	year	NOUN
ejif-4433	177	69	of	of	ADP
ejif-4433	177	70	experience	experience	NOUN
ejif-4433	177	71	1	1	NUM
ejif-4433	177	72	-	-	SYM
ejif-4433	177	73	5	5	NUM
ejif-4433	177	74	years	year	NOUN
ejif-4433	177	75	5	5	NUM
ejif-4433	177	76	-	-	SYM
ejif-4433	177	77	10	10	NUM
ejif-4433	177	78	years	year	NOUN
ejif-4433	177	79	10	10	NUM
ejif-4433	177	80	-	-	SYM
ejif-4433	177	81	15	15	NUM
ejif-4433	177	82	years	year	NOUN
ejif-4433	177	83	>	>	SYM
ejif-4433	177	84	15	15	NUM
ejif-4433	177	85	years	year	NOUN
ejif-4433	177	86	28.08	28.08	NUM
ejif-4433	177	87	%	%	NOUN
ejif-4433	177	88	39.90	39.90	NUM
ejif-4433	177	89	%	%	NOUN
ejif-4433	177	90	25.12	25.12	NUM
ejif-4433	177	91	%	%	NOUN
ejif-4433	177	92	6.90	6.90	NUM
ejif-4433	177	93	%	%	NOUN
ejif-4433	177	94	417	417	NUM
ejif-4433	177	95	professiona	professiona	NOUN
ejif-4433	177	96	l	l	NOUN
ejif-4433	177	97	trainings	training	NOUN
ejif-4433	177	98	1	1	NUM
ejif-4433	177	99	-	-	SYM
ejif-4433	177	100	5	5	NUM
ejif-4433	177	101	years	year	NOUN
ejif-4433	177	102	5	5	NUM
ejif-4433	177	103	-	-	SYM
ejif-4433	177	104	10	10	NUM
ejif-4433	177	105	years	year	NOUN
ejif-4433	177	106	10	10	NUM
ejif-4433	177	107	-	-	SYM
ejif-4433	177	108	15	15	NUM
ejif-4433	177	109	years	year	NOUN
ejif-4433	177	110	>	>	SYM
ejif-4433	177	111	15	15	NUM
ejif-4433	177	112	years	year	NOUN
ejif-4433	177	113	22.17	22.17	NUM
ejif-4433	177	114	%	%	NOUN
ejif-4433	177	115	36.45	36.45	NUM
ejif-4433	177	116	%	%	NOUN
ejif-4433	177	117	27.59	27.59	NUM
ejif-4433	177	118	%	%	NOUN
ejif-4433	177	119	13.79	13.79	NUM
ejif-4433	177	120	%	%	NOUN
ejif-4433	177	121	417	417	NUM
ejif-4433	177	122	islamic	islamic	PROPN
ejif-4433	177	123	bank	bank	PROPN
ejif-4433	177	124	meezan	meezan	PROPN
ejif-4433	177	125	bank	bank	PROPN
ejif-4433	177	126	limited	limited	PROPN
ejif-4433	177	127	dubai	dubai	PROPN
ejif-4433	177	128	islamic	islamic	PROPN
ejif-4433	177	129	bank	bank	PROPN
ejif-4433	177	130	bank	bank	PROPN
ejif-4433	177	131	islami	islami	PROPN
ejif-4433	177	132	pakistan	pakistan	PROPN
ejif-4433	177	133	al	al	PROPN
ejif-4433	177	134	-	-	PROPN
ejif-4433	177	135	baraka	baraka	PROPN
ejif-4433	177	136	(	(	PUNCT
ejif-4433	177	137	pak	pak	PROPN
ejif-4433	177	138	ltd	ltd	PROPN
ejif-4433	177	139	)	)	PUNCT
ejif-4433	177	140	26.60	26.60	NUM
ejif-4433	177	141	%	%	NOUN
ejif-4433	177	142	24.63	24.63	NUM
ejif-4433	177	143	%	%	NOUN
ejif-4433	177	144	24.63	24.63	NUM
ejif-4433	177	145	%	%	NOUN
ejif-4433	177	146	24.14	24.14	NUM
ejif-4433	177	147	%	%	NOUN
ejif-4433	177	148	417	417	NUM
ejif-4433	177	149	position/	position/	NUM
ejif-4433	177	150	role	role	NOUN
ejif-4433	177	151	in	in	ADP
ejif-4433	177	152	bank	bank	PROPN
ejif-4433	177	153	senior	senior	ADJ
ejif-4433	177	154	loan	loan	NOUN
ejif-4433	177	155	officer	officer	NOUN
ejif-4433	177	156	branch	branch	NOUN
ejif-4433	177	157	manager	manager	NOUN
ejif-4433	177	158	senior	senior	ADJ
ejif-4433	177	159	direct	direct	ADJ
ejif-4433	177	160	sales	sale	NOUN
ejif-4433	177	161	representative	representative	ADJ
ejif-4433	177	162	senior	senior	ADJ
ejif-4433	177	163	relationship	relationship	NOUN
ejif-4433	177	164	manager	manager	NOUN
ejif-4433	177	165	data	datum	NOUN
ejif-4433	177	166	processing	processing	NOUN
ejif-4433	177	167	officer	officer	NOUN
ejif-4433	177	168	customer	customer	NOUN
ejif-4433	177	169	relationship	relationship	NOUN
ejif-4433	177	170	manager	manager	NOUN
ejif-4433	177	171	general	general	PROPN
ejif-4433	177	172	manager	manager	NOUN
ejif-4433	177	173	bank	bank	PROPN
ejif-4433	177	174	marketing	marketing	PROPN
ejif-4433	177	175	representative	representative	NOUN
ejif-4433	177	176	10.84	10.84	NUM
ejif-4433	177	177	%	%	NOUN
ejif-4433	177	178	14.29	14.29	NUM
ejif-4433	177	179	%	%	NOUN
ejif-4433	177	180	11.33	11.33	NUM
ejif-4433	177	181	%	%	NOUN
ejif-4433	177	182	15.27	15.27	NUM
ejif-4433	177	183	%	%	NOUN
ejif-4433	177	184	12.32	12.32	NUM
ejif-4433	177	185	%	%	NOUN
ejif-4433	177	186	12.81	12.81	NUM
ejif-4433	177	187	%	%	NOUN
ejif-4433	177	188	11.82	11.82	NUM
ejif-4433	177	189	%	%	NOUN
ejif-4433	177	190	10.84	10.84	NUM
ejif-4433	177	191	%	%	NOUN
ejif-4433	177	192	417	417	NUM
ejif-4433	177	193	branch	branch	NOUN
ejif-4433	177	194	name	name	NOUN
ejif-4433	177	195	lahore	lahore	PROPN
ejif-4433	177	196	karachi	karachi	PROPN
ejif-4433	177	197	faisalabad	faisalabad	PROPN
ejif-4433	177	198	rwp	rwp	PROPN
ejif-4433	177	199	/	/	SYM
ejif-4433	177	200	isb	isb	PROPN
ejif-4433	177	201	gujranwala	gujranwala	PROPN
ejif-4433	177	202	10.34	10.34	NUM
ejif-4433	177	203	%	%	NOUN
ejif-4433	177	204	9.85	9.85	NUM
ejif-4433	177	205	%	%	NOUN
ejif-4433	177	206	11.82	11.82	NUM
ejif-4433	177	207	%	%	NOUN
ejif-4433	177	208	11.33	11.33	NUM
ejif-4433	177	209	%	%	NOUN
ejif-4433	177	210	10.34	10.34	NUM
ejif-4433	177	211	%	%	NOUN
ejif-4433	177	212	417	417	NUM
ejif-4433	177	213	peshawar	peshawar	PROPN
ejif-4433	177	214	multan	multan	PROPN
ejif-4433	177	215	hyderabad	hyderabad	PROPN
ejif-4433	177	216	quetta	quetta	PROPN
ejif-4433	177	217	bahawalpur	bahawalpur	PROPN
ejif-4433	177	218	9.85	9.85	NUM
ejif-4433	177	219	%	%	NOUN
ejif-4433	177	220	8.87	8.87	NUM
ejif-4433	177	221	%	%	NOUN
ejif-4433	177	222	9.36	9.36	NUM
ejif-4433	177	223	%	%	NOUN
ejif-4433	177	224	8.37	8.37	NUM
ejif-4433	177	225	%	%	NOUN
ejif-4433	177	226	11.33	11.33	NUM
ejif-4433	177	227	%	%	NOUN
ejif-4433	177	228	table	table	NOUN
ejif-4433	177	229	1	1	NUM
ejif-4433	177	230	shows	show	VERB
ejif-4433	177	231	the	the	DET
ejif-4433	177	232	demographic	demographic	ADJ
ejif-4433	177	233	analysis	analysis	NOUN
ejif-4433	177	234	of	of	ADP
ejif-4433	177	235	primary	primary	ADJ
ejif-4433	177	236	data	datum	NOUN
ejif-4433	177	237	.	.	PUNCT
ejif-4433	178	1	in	in	ADP
ejif-4433	178	2	sample	sample	NOUN
ejif-4433	178	3	of	of	ADP
ejif-4433	178	4	this	this	DET
ejif-4433	178	5	study	study	NOUN
ejif-4433	178	6	,	,	PUNCT
ejif-4433	178	7	majority	majority	NOUN
ejif-4433	178	8	of	of	ADP
ejif-4433	178	9	senior	senior	ADJ
ejif-4433	178	10	manager	manager	NOUN
ejif-4433	178	11	of	of	ADP
ejif-4433	178	12	islamic	islamic	ADJ
ejif-4433	178	13	banks	bank	NOUN
ejif-4433	178	14	were	be	AUX
ejif-4433	178	15	male	male	ADJ
ejif-4433	178	16	.	.	PUNCT
ejif-4433	179	1	the	the	DET
ejif-4433	179	2	highest	high	ADJ
ejif-4433	179	3	educational	educational	ADJ
ejif-4433	179	4	degrees	degree	NOUN
ejif-4433	179	5	of	of	ADP
ejif-4433	179	6	most	most	ADJ
ejif-4433	179	7	of	of	ADP
ejif-4433	179	8	the	the	DET
ejif-4433	179	9	manager	manager	NOUN
ejif-4433	179	10	were	be	AUX
ejif-4433	179	11	“	"	PUNCT
ejif-4433	179	12	master	master	NOUN
ejif-4433	179	13	”	"	PUNCT
ejif-4433	179	14	as	as	SCONJ
ejif-4433	179	15	shown	show	VERB
ejif-4433	179	16	in	in	ADP
ejif-4433	179	17	the	the	DET
ejif-4433	179	18	table	table	NOUN
ejif-4433	179	19	.	.	PUNCT
ejif-4433	180	1	the	the	DET
ejif-4433	180	2	answer	answer	NOUN
ejif-4433	180	3	of	of	ADP
ejif-4433	180	4	marital	marital	ADJ
ejif-4433	180	5	status	status	NOUN
ejif-4433	180	6	question	question	NOUN
ejif-4433	180	7	shows	show	VERB
ejif-4433	180	8	that	that	SCONJ
ejif-4433	180	9	most	most	ADJ
ejif-4433	180	10	of	of	ADP
ejif-4433	180	11	the	the	DET
ejif-4433	180	12	senior	senior	ADJ
ejif-4433	180	13	branch	branch	NOUN
ejif-4433	180	14	managers	manager	NOUN
ejif-4433	180	15	of	of	ADP
ejif-4433	180	16	bank	bank	NOUN
ejif-4433	180	17	were	be	AUX
ejif-4433	180	18	married	married	ADJ
ejif-4433	180	19	.	.	PUNCT
ejif-4433	181	1	after	after	SCONJ
ejif-4433	181	2	this	this	DET
ejif-4433	181	3	researcher	researcher	NOUN
ejif-4433	181	4	asked	ask	VERB
ejif-4433	181	5	for	for	ADP
ejif-4433	181	6	the	the	DET
ejif-4433	181	7	year	year	NOUN
ejif-4433	181	8	of	of	ADP
ejif-4433	181	9	experience	experience	NOUN
ejif-4433	181	10	they	they	PRON
ejif-4433	181	11	have	have	VERB
ejif-4433	181	12	in	in	ADP
ejif-4433	181	13	banking	banking	NOUN
ejif-4433	181	14	industry	industry	NOUN
ejif-4433	181	15	and	and	CCONJ
ejif-4433	181	16	it	it	PRON
ejif-4433	181	17	shows	show	VERB
ejif-4433	181	18	that	that	SCONJ
ejif-4433	181	19	most	most	ADJ
ejif-4433	181	20	of	of	ADP
ejif-4433	181	21	the	the	DET
ejif-4433	181	22	manager	manager	NOUN
ejif-4433	181	23	40	40	NUM
ejif-4433	181	24	%	%	NOUN
ejif-4433	181	25	have	have	VERB
ejif-4433	181	26	between	between	ADP
ejif-4433	181	27	5	5	NUM
ejif-4433	181	28	to	to	PART
ejif-4433	181	29	10	10	NUM
ejif-4433	181	30	year	year	NOUN
ejif-4433	181	31	experiences	experience	NOUN
ejif-4433	181	32	.	.	PUNCT
ejif-4433	182	1	according	accord	VERB
ejif-4433	182	2	to	to	ADP
ejif-4433	182	3	sample	sample	NOUN
ejif-4433	182	4	of	of	ADP
ejif-4433	182	5	islamic	islamic	ADJ
ejif-4433	182	6	banks	bank	NOUN
ejif-4433	182	7	,	,	PUNCT
ejif-4433	182	8	most	most	ADJ
ejif-4433	182	9	of	of	ADP
ejif-4433	182	10	the	the	DET
ejif-4433	182	11	“	"	PUNCT
ejif-4433	182	12	senior	senior	ADJ
ejif-4433	182	13	bank	bank	NOUN
ejif-4433	182	14	managers	manager	NOUN
ejif-4433	182	15	”	"	PUNCT
ejif-4433	182	16	were	be	AUX
ejif-4433	182	17	working	work	VERB
ejif-4433	182	18	at	at	ADP
ejif-4433	182	19	meezan	meezan	PROPN
ejif-4433	182	20	bank	bank	PROPN
ejif-4433	182	21	limited	limit	VERB
ejif-4433	182	22	.	.	PUNCT
ejif-4433	183	1	there	there	PRON
ejif-4433	183	2	were	be	VERB
ejif-4433	183	3	27	27	NUM
ejif-4433	183	4	%	%	NOUN
ejif-4433	183	5	of	of	ADP
ejif-4433	183	6	senior	senior	ADJ
ejif-4433	183	7	banks	bank	NOUN
ejif-4433	183	8	managers	manager	NOUN
ejif-4433	183	9	who	who	PRON
ejif-4433	183	10	belong	belong	VERB
ejif-4433	183	11	to	to	ADP
ejif-4433	183	12	meezan	meezan	PROPN
ejif-4433	183	13	bank	bank	PROPN
ejif-4433	183	14	limited	limited	ADJ
ejif-4433	183	15	.	.	PUNCT
ejif-4433	184	1	there	there	PRON
ejif-4433	184	2	are	be	VERB
ejif-4433	184	3	eight	eight	NUM
ejif-4433	184	4	positions	position	NOUN
ejif-4433	184	5	in	in	ADP
ejif-4433	184	6	bank	bank	NOUN
ejif-4433	184	7	which	which	PRON
ejif-4433	184	8	are	be	AUX
ejif-4433	184	9	analyzed	analyze	VERB
ejif-4433	184	10	as	as	ADP
ejif-4433	184	11	senior	senior	ADJ
ejif-4433	184	12	post/	post/	NUM
ejif-4433	184	13	role	role	NOUN
ejif-4433	184	14	in	in	ADP
ejif-4433	184	15	the	the	DET
ejif-4433	184	16	banking	banking	NOUN
ejif-4433	184	17	sector	sector	NOUN
ejif-4433	184	18	.	.	PUNCT
ejif-4433	185	1	so	so	ADV
ejif-4433	185	2	,	,	PUNCT
ejif-4433	185	3	researcher	researcher	NOUN
ejif-4433	185	4	collected	collect	VERB
ejif-4433	185	5	data	datum	NOUN
ejif-4433	185	6	from	from	ADP
ejif-4433	185	7	those	those	DET
ejif-4433	185	8	senior	senior	ADJ
ejif-4433	185	9	bankers	banker	NOUN
ejif-4433	185	10	for	for	ADP
ejif-4433	185	11	further	further	ADJ
ejif-4433	185	12	analysis	analysis	NOUN
ejif-4433	185	13	.	.	PUNCT
ejif-4433	186	1	most	most	ADJ
ejif-4433	186	2	of	of	ADP
ejif-4433	186	3	the	the	DET
ejif-4433	186	4	senior	senior	ADJ
ejif-4433	186	5	manager	manager	NOUN
ejif-4433	186	6	position	position	NOUN
ejif-4433	186	7	/	/	SYM
ejif-4433	186	8	role	role	NOUN
ejif-4433	186	9	in	in	ADP
ejif-4433	186	10	bank	bank	NOUN
ejif-4433	186	11	were	be	AUX
ejif-4433	186	12	senior	senior	ADJ
ejif-4433	186	13	relationship	relationship	NOUN
ejif-4433	186	14	manger	manger	NOUN
ejif-4433	186	15	which	which	PRON
ejif-4433	186	16	was	be	AUX
ejif-4433	186	17	about	about	ADV
ejif-4433	186	18	15	15	NUM
ejif-4433	186	19	%	%	NOUN
ejif-4433	186	20	in	in	ADP
ejif-4433	186	21	islamic	islamic	ADJ
ejif-4433	186	22	banks	bank	NOUN
ejif-4433	186	23	.	.	PUNCT
ejif-4433	187	1	the	the	DET
ejif-4433	187	2	last	last	ADJ
ejif-4433	187	3	question	question	NOUN
ejif-4433	187	4	was	be	AUX
ejif-4433	187	5	about	about	ADP
ejif-4433	187	6	their	their	PRON
ejif-4433	187	7	branch	branch	NOUN
ejif-4433	187	8	name	name	NOUN
ejif-4433	187	9	and	and	CCONJ
ejif-4433	187	10	address	address	NOUN
ejif-4433	187	11	where	where	SCONJ
ejif-4433	187	12	most	most	ADJ
ejif-4433	187	13	of	of	ADP
ejif-4433	187	14	the	the	DET
ejif-4433	187	15	data	datum	NOUN
ejif-4433	187	16	about	about	ADV
ejif-4433	187	17	12	12	NUM
ejif-4433	187	18	%	%	NOUN
ejif-4433	187	19	was	be	AUX
ejif-4433	187	20	collected	collect	VERB
ejif-4433	187	21	from	from	ADP
ejif-4433	187	22	faisalabad	faisalabad	PROPN
ejif-4433	187	23	.	.	PUNCT
ejif-4433	188	1	2.2	2.2	NUM
ejif-4433	188	2	.	.	PUNCT
ejif-4433	189	1	reliability	reliability	NOUN
ejif-4433	189	2	analysis	analysis	NOUN
ejif-4433	189	3	reliability	reliability	NOUN
ejif-4433	189	4	analysis	analysis	NOUN
ejif-4433	189	5	shows	show	VERB
ejif-4433	189	6	the	the	DET
ejif-4433	189	7	consistency	consistency	NOUN
ejif-4433	189	8	and	and	CCONJ
ejif-4433	189	9	stability	stability	NOUN
ejif-4433	189	10	of	of	ADP
ejif-4433	189	11	item	item	NOUN
ejif-4433	189	12	used	use	VERB
ejif-4433	189	13	to	to	PART
ejif-4433	189	14	conduct	conduct	VERB
ejif-4433	189	15	the	the	DET
ejif-4433	189	16	study	study	NOUN
ejif-4433	189	17	.	.	PUNCT
ejif-4433	190	1	table	table	NOUN
ejif-4433	190	2	2	2	NUM
ejif-4433	190	3	:	:	PUNCT
ejif-4433	190	4	reliability	reliability	NOUN
ejif-4433	190	5	analysis	analysis	NOUN
ejif-4433	190	6	variables	variable	NOUN
ejif-4433	190	7	no	no	PRON
ejif-4433	190	8	of	of	ADP
ejif-4433	190	9	items	item	NOUN
ejif-4433	190	10	alpha	alpha	NOUN
ejif-4433	190	11	mean	mean	VERB
ejif-4433	190	12	competitive	competitive	ADJ
ejif-4433	190	13	advantage	advantage	NOUN
ejif-4433	190	14	5	5	NUM
ejif-4433	190	15	0.928	0.928	NUM
ejif-4433	190	16	2.871	2.871	NUM
ejif-4433	190	17	religious	religious	ADJ
ejif-4433	190	18	obligation	obligation	NOUN
ejif-4433	190	19	3	3	NUM
ejif-4433	190	20	0.783	0.783	NUM
ejif-4433	190	21	2.674	2.674	NUM
ejif-4433	190	22	service	service	NOUN
ejif-4433	190	23	quality	quality	NOUN
ejif-4433	190	24	4	4	NUM
ejif-4433	190	25	0.630	0.630	NUM
ejif-4433	190	26	2.434	2.434	NUM
ejif-4433	190	27	quick	quick	ADJ
ejif-4433	190	28	ratio	ratio	NOUN
ejif-4433	190	29	4	4	NUM
ejif-4433	190	30	0.929	0.929	NUM
ejif-4433	190	31	2.359	2.359	NUM
ejif-4433	190	32	cash	cash	NOUN
ejif-4433	190	33	deposit	deposit	NOUN
ejif-4433	190	34	ratio	ratio	NOUN
ejif-4433	190	35	4	4	NUM
ejif-4433	190	36	0.705	0.705	NUM
ejif-4433	190	37	2.539	2.539	NUM
ejif-4433	190	38	non	non	ADJ
ejif-4433	190	39	performing	perform	VERB
ejif-4433	190	40	loans	loan	NOUN
ejif-4433	190	41	4	4	NUM
ejif-4433	190	42	0.929	0.929	NUM
ejif-4433	190	43	2.431	2.431	NUM
ejif-4433	190	44	net	net	ADJ
ejif-4433	190	45	gearing	gearing	NOUN
ejif-4433	190	46	ratio	ratio	NOUN
ejif-4433	190	47	4	4	NUM
ejif-4433	190	48	0.664	0.664	NUM
ejif-4433	190	49	2.468	2.468	NUM
ejif-4433	190	50	asset	asset	NOUN
ejif-4433	190	51	composition	composition	NOUN
ejif-4433	190	52	ratio	ratio	NOUN
ejif-4433	190	53	4	4	NUM
ejif-4433	190	54	0.648	0.648	NUM
ejif-4433	190	55	2.589	2.589	NUM
ejif-4433	190	56	ejif	ejif	NOUN
ejif-4433	190	57	–	–	PUNCT
ejif-4433	190	58	european	european	PROPN
ejif-4433	190	59	journal	journal	PROPN
ejif-4433	190	60	of	of	ADP
ejif-4433	190	61	islamic	islamic	PROPN
ejif-4433	190	62	finance	finance	PROPN
ejif-4433	190	63	no15	no15	PROPN
ejif-4433	190	64	,	,	PUNCT
ejif-4433	190	65	august	august	PROPN
ejif-4433	190	66	(	(	PUNCT
ejif-4433	190	67	2020	2020	NUM
ejif-4433	190	68	)	)	PUNCT
ejif-4433	191	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	191	2	issn	issn	VERB
ejif-4433	191	3	2421	2421	NUM
ejif-4433	191	4	-	-	SYM
ejif-4433	191	5	2172	2172	NUM
ejif-4433	191	6	8	8	NUM
ejif-4433	191	7	table	table	NOUN
ejif-4433	191	8	2	2	NUM
ejif-4433	191	9	shows	show	VERB
ejif-4433	191	10	the	the	DET
ejif-4433	191	11	reliability	reliability	NOUN
ejif-4433	191	12	analysis	analysis	NOUN
ejif-4433	191	13	which	which	PRON
ejif-4433	191	14	shows	show	VERB
ejif-4433	191	15	that	that	SCONJ
ejif-4433	191	16	all	all	DET
ejif-4433	191	17	items	item	NOUN
ejif-4433	191	18	understudy	understudy	NOUN
ejif-4433	191	19	are	be	AUX
ejif-4433	191	20	reliable	reliable	ADJ
ejif-4433	191	21	and	and	CCONJ
ejif-4433	191	22	consistent	consistent	ADJ
ejif-4433	191	23	.	.	PUNCT
ejif-4433	192	1	so	so	ADV
ejif-4433	192	2	,	,	PUNCT
ejif-4433	192	3	the	the	DET
ejif-4433	192	4	analysis	analysis	NOUN
ejif-4433	192	5	shows	show	VERB
ejif-4433	192	6	that	that	SCONJ
ejif-4433	192	7	all	all	DET
ejif-4433	192	8	item	item	NOUN
ejif-4433	192	9	values	value	NOUN
ejif-4433	192	10	are	be	AUX
ejif-4433	192	11	greater	great	ADJ
ejif-4433	192	12	than	than	ADP
ejif-4433	192	13	0.60	0.60	NUM
ejif-4433	192	14	and	and	CCONJ
ejif-4433	192	15	lies	lie	NOUN
ejif-4433	192	16	above	above	ADV
ejif-4433	192	17	from	from	ADP
ejif-4433	192	18	the	the	DET
ejif-4433	192	19	alpha	alpha	ADJ
ejif-4433	192	20	range	range	NOUN
ejif-4433	192	21	so	so	SCONJ
ejif-4433	192	22	it	it	PRON
ejif-4433	192	23	is	be	AUX
ejif-4433	192	24	stated	state	VERB
ejif-4433	192	25	that	that	SCONJ
ejif-4433	192	26	all	all	DET
ejif-4433	192	27	items	item	NOUN
ejif-4433	192	28	are	be	AUX
ejif-4433	192	29	reliable	reliable	ADJ
ejif-4433	192	30	and	and	CCONJ
ejif-4433	192	31	accurate	accurate	ADJ
ejif-4433	192	32	for	for	ADP
ejif-4433	192	33	further	further	ADJ
ejif-4433	192	34	analysis	analysis	NOUN
ejif-4433	192	35	.	.	PUNCT
ejif-4433	193	1	2.3	2.3	NUM
ejif-4433	193	2	.	.	PUNCT
ejif-4433	194	1	normality	normality	NOUN
ejif-4433	194	2	analysis	analysis	NOUN
ejif-4433	194	3	test	test	NOUN
ejif-4433	194	4	of	of	ADP
ejif-4433	194	5	normality	normality	NOUN
ejif-4433	194	6	analysis	analysis	NOUN
ejif-4433	194	7	is	be	AUX
ejif-4433	194	8	conducted	conduct	VERB
ejif-4433	194	9	to	to	PART
ejif-4433	194	10	measure	measure	VERB
ejif-4433	194	11	that	that	SCONJ
ejif-4433	194	12	data	datum	NOUN
ejif-4433	194	13	lies	lie	VERB
ejif-4433	194	14	in	in	ADP
ejif-4433	194	15	normal	normal	ADJ
ejif-4433	194	16	distribution	distribution	NOUN
ejif-4433	194	17	range	range	NOUN
ejif-4433	194	18	and	and	CCONJ
ejif-4433	194	19	also	also	ADV
ejif-4433	194	20	to	to	PART
ejif-4433	194	21	know	know	VERB
ejif-4433	194	22	that	that	SCONJ
ejif-4433	194	23	whether	whether	SCONJ
ejif-4433	194	24	data	datum	NOUN
ejif-4433	194	25	is	be	AUX
ejif-4433	194	26	well	well	ADV
ejif-4433	194	27	-	-	PUNCT
ejif-4433	194	28	modeled	model	VERB
ejif-4433	194	29	.	.	PUNCT
ejif-4433	195	1	table	table	NOUN
ejif-4433	195	2	3	3	NUM
ejif-4433	195	3	:	:	PUNCT
ejif-4433	195	4	normality	normality	ADJ
ejif-4433	195	5	analysis	analysis	NOUN
ejif-4433	195	6	variables	variable	NOUN
ejif-4433	195	7	skewness	skewness	NOUN
ejif-4433	195	8	kurtosis	kurtosis	VERB
ejif-4433	195	9	competitive	competitive	ADJ
ejif-4433	195	10	advantage	advantage	NOUN
ejif-4433	195	11	0.510	0.510	NUM
ejif-4433	195	12	-1.107	-1.107	PUNCT
ejif-4433	195	13	religious	religious	ADJ
ejif-4433	195	14	obligation	obligation	NOUN
ejif-4433	195	15	0.333	0.333	NUM
ejif-4433	195	16	-1.082	-1.082	PUNCT
ejif-4433	195	17	service	service	NOUN
ejif-4433	195	18	quality	quality	NOUN
ejif-4433	195	19	0.570	0.570	NUM
ejif-4433	195	20	-0.295	-0.295	NOUN
ejif-4433	195	21	cash	cash	NOUN
ejif-4433	195	22	deposit	deposit	NOUN
ejif-4433	195	23	ratio	ratio	NOUN
ejif-4433	195	24	-0.399	-0.399	NUM
ejif-4433	195	25	-0.070	-0.070	PUNCT
ejif-4433	195	26	quick	quick	ADJ
ejif-4433	195	27	ratio	ratio	NOUN
ejif-4433	195	28	0.007	0.007	NUM
ejif-4433	195	29	-0.677	-0.677	PUNCT
ejif-4433	195	30	non	non	ADJ
ejif-4433	195	31	performing	perform	VERB
ejif-4433	195	32	loans	loan	NOUN
ejif-4433	195	33	-0.218	-0.218	ADJ
ejif-4433	195	34	-0.405	-0.405	VERB
ejif-4433	195	35	net	net	ADJ
ejif-4433	195	36	gearing	gearing	NOUN
ejif-4433	195	37	ratio	ratio	NOUN
ejif-4433	195	38	0.098	0.098	NUM
ejif-4433	195	39	-0.873	-0.873	PUNCT
ejif-4433	195	40	asset	asset	NOUN
ejif-4433	195	41	composition	composition	NOUN
ejif-4433	195	42	ratio	ratio	NOUN
ejif-4433	195	43	-0.094	-0.094	VERB
ejif-4433	195	44	-0.688	-0.688	NOUN
ejif-4433	195	45	table	table	NOUN
ejif-4433	195	46	3	3	NUM
ejif-4433	195	47	shows	show	VERB
ejif-4433	195	48	the	the	DET
ejif-4433	195	49	normality	normality	NOUN
ejif-4433	195	50	analysis	analysis	NOUN
ejif-4433	195	51	of	of	ADP
ejif-4433	195	52	study	study	NOUN
ejif-4433	195	53	.	.	PUNCT
ejif-4433	196	1	this	this	DET
ejif-4433	196	2	method	method	NOUN
ejif-4433	196	3	is	be	AUX
ejif-4433	196	4	used	use	VERB
ejif-4433	196	5	to	to	PART
ejif-4433	196	6	check	check	VERB
ejif-4433	196	7	the	the	DET
ejif-4433	196	8	normality	normality	NOUN
ejif-4433	196	9	of	of	ADP
ejif-4433	196	10	data	datum	NOUN
ejif-4433	196	11	through	through	ADP
ejif-4433	196	12	value	value	NOUN
ejif-4433	196	13	of	of	ADP
ejif-4433	196	14	skewness	skewness	NOUN
ejif-4433	196	15	and	and	CCONJ
ejif-4433	196	16	kurtosis	kurtosis	NOUN
ejif-4433	196	17	.	.	PUNCT
ejif-4433	197	1	the	the	DET
ejif-4433	197	2	skewness	skewness	NOUN
ejif-4433	197	3	and	and	CCONJ
ejif-4433	197	4	kurtosis	kurtosis	VERB
ejif-4433	197	5	values	value	NOUN
ejif-4433	197	6	of	of	ADP
ejif-4433	197	7	all	all	DET
ejif-4433	197	8	variables	variable	NOUN
ejif-4433	197	9	understudy	understudy	NOUN
ejif-4433	197	10	lies	lie	VERB
ejif-4433	197	11	between	between	ADP
ejif-4433	197	12	-1	-1	PUNCT
ejif-4433	197	13	to	to	ADP
ejif-4433	197	14	+1	+1	PROPN
ejif-4433	197	15	and	and	CCONJ
ejif-4433	197	16	+3	+3	PROPN
ejif-4433	197	17	to	to	ADP
ejif-4433	197	18	-3	-3	PUNCT
ejif-4433	197	19	respectively	respectively	ADV
ejif-4433	197	20	and	and	CCONJ
ejif-4433	197	21	it	it	PRON
ejif-4433	197	22	shows	show	VERB
ejif-4433	197	23	that	that	SCONJ
ejif-4433	197	24	data	datum	NOUN
ejif-4433	197	25	lies	lie	VERB
ejif-4433	197	26	in	in	ADP
ejif-4433	197	27	range	range	NOUN
ejif-4433	197	28	of	of	ADP
ejif-4433	197	29	normality	normality	NOUN
ejif-4433	197	30	and	and	CCONJ
ejif-4433	197	31	it	it	PRON
ejif-4433	197	32	is	be	AUX
ejif-4433	197	33	normally	normally	ADV
ejif-4433	197	34	distributed	distribute	VERB
ejif-4433	197	35	.	.	PUNCT
ejif-4433	198	1	2.4	2.4	NUM
ejif-4433	198	2	.	.	PUNCT
ejif-4433	199	1	survey	survey	VERB
ejif-4433	199	2	analysis	analysis	NOUN
ejif-4433	199	3	of	of	ADP
ejif-4433	199	4	internal	internal	ADJ
ejif-4433	199	5	and	and	CCONJ
ejif-4433	199	6	external	external	ADJ
ejif-4433	199	7	factors	factor	NOUN
ejif-4433	199	8	table	table	VERB
ejif-4433	199	9	4	4	NUM
ejif-4433	199	10	:	:	PUNCT
ejif-4433	199	11	internal	internal	ADJ
ejif-4433	199	12	and	and	CCONJ
ejif-4433	199	13	external	external	ADJ
ejif-4433	199	14	factors	factor	NOUN
ejif-4433	199	15	analysis	analysis	NOUN
ejif-4433	199	16	very	very	ADV
ejif-4433	199	17	unimportant	unimportant	ADJ
ejif-4433	199	18	unimportant	unimportant	ADJ
ejif-4433	199	19	neither	neither	CCONJ
ejif-4433	199	20	important	important	ADJ
ejif-4433	199	21	nor	nor	CCONJ
ejif-4433	199	22	unimportant	unimportant	ADJ
ejif-4433	199	23	important	important	ADJ
ejif-4433	199	24	very	very	ADV
ejif-4433	199	25	important	important	ADJ
ejif-4433	199	26	cash	cash	NOUN
ejif-4433	199	27	deposit	deposit	NOUN
ejif-4433	199	28	ratio	ratio	NOUN
ejif-4433	199	29	and	and	CCONJ
ejif-4433	199	30	profitability	profitability	NOUN
ejif-4433	199	31	6.25	6.25	NUM
ejif-4433	199	32	%	%	NOUN
ejif-4433	199	33	16.38	16.38	NUM
ejif-4433	199	34	%	%	NOUN
ejif-4433	199	35	11.25	11.25	NUM
ejif-4433	199	36	%	%	NOUN
ejif-4433	199	37	41.13	41.13	NUM
ejif-4433	199	38	%	%	NOUN
ejif-4433	199	39	25.00	25.00	NUM
ejif-4433	199	40	%	%	NOUN
ejif-4433	199	41	quick	quick	ADJ
ejif-4433	199	42	ratio	ratio	NOUN
ejif-4433	199	43	and	and	CCONJ
ejif-4433	199	44	profitability	profitability	NOUN
ejif-4433	199	45	15.38	15.38	NUM
ejif-4433	199	46	%	%	NOUN
ejif-4433	199	47	29.88	29.88	NUM
ejif-4433	199	48	%	%	NOUN
ejif-4433	199	49	21.38	21.38	NUM
ejif-4433	199	50	%	%	NOUN
ejif-4433	199	51	20.50	20.50	NUM
ejif-4433	199	52	%	%	NOUN
ejif-4433	199	53	12.88	12.88	NUM
ejif-4433	199	54	%	%	NOUN
ejif-4433	199	55	non	non	NOUN
ejif-4433	199	56	performing	perform	VERB
ejif-4433	199	57	loans	loan	NOUN
ejif-4433	199	58	and	and	CCONJ
ejif-4433	199	59	profitability	profitability	NOUN
ejif-4433	199	60	8.00	8.00	NUM
ejif-4433	199	61	%	%	NOUN
ejif-4433	199	62	11.75	11.75	NUM
ejif-4433	199	63	%	%	NOUN
ejif-4433	199	64	17.38	17.38	NUM
ejif-4433	199	65	%	%	NOUN
ejif-4433	199	66	39.25	39.25	NUM
ejif-4433	199	67	%	%	NOUN
ejif-4433	199	68	23.63	23.63	NUM
ejif-4433	199	69	%	%	NOUN
ejif-4433	199	70	net	net	ADJ
ejif-4433	199	71	gearing	gearing	NOUN
ejif-4433	199	72	ratio	ratio	NOUN
ejif-4433	199	73	and	and	CCONJ
ejif-4433	199	74	profitability	profitability	NOUN
ejif-4433	199	75	14.25	14.25	NUM
ejif-4433	199	76	%	%	NOUN
ejif-4433	199	77	38.00	38.00	NUM
ejif-4433	199	78	%	%	NOUN
ejif-4433	199	79	14.00	14.00	NUM
ejif-4433	199	80	%	%	NOUN
ejif-4433	199	81	16.00	16.00	NUM
ejif-4433	199	82	%	%	NOUN
ejif-4433	199	83	17.75	17.75	NUM
ejif-4433	199	84	%	%	NOUN
ejif-4433	199	85	asset	asset	NOUN
ejif-4433	199	86	composition	composition	NOUN
ejif-4433	199	87	ratio	ratio	NOUN
ejif-4433	199	88	and	and	CCONJ
ejif-4433	199	89	profitability	profitability	NOUN
ejif-4433	199	90	9.75	9.75	NUM
ejif-4433	199	91	%	%	NOUN
ejif-4433	199	92	23.63	23.63	NUM
ejif-4433	199	93	%	%	NOUN
ejif-4433	199	94	22.13	22.13	NUM
ejif-4433	199	95	%	%	NOUN
ejif-4433	199	96	34.50	34.50	NUM
ejif-4433	199	97	%	%	NOUN
ejif-4433	199	98	10.00	10.00	NUM
ejif-4433	199	99	%	%	NOUN
ejif-4433	199	100	competitive	competitive	ADJ
ejif-4433	199	101	advantage	advantage	NOUN
ejif-4433	199	102	and	and	CCONJ
ejif-4433	199	103	profitability	profitability	NOUN
ejif-4433	199	104	0.00	0.00	NUM
ejif-4433	199	105	%	%	NOUN
ejif-4433	199	106	1.00	1.00	NUM
ejif-4433	199	107	%	%	NOUN
ejif-4433	199	108	10.25	10.25	NUM
ejif-4433	199	109	%	%	NOUN
ejif-4433	199	110	40.50	40.50	NUM
ejif-4433	199	111	%	%	NOUN
ejif-4433	199	112	48.25	48.25	NUM
ejif-4433	199	113	%	%	NOUN
ejif-4433	199	114	service	service	NOUN
ejif-4433	199	115	quality	quality	NOUN
ejif-4433	199	116	and	and	CCONJ
ejif-4433	199	117	profitability	profitability	NOUN
ejif-4433	199	118	0.00	0.00	NUM
ejif-4433	199	119	%	%	NOUN
ejif-4433	199	120	3.63	3.63	NUM
ejif-4433	199	121	%	%	NOUN
ejif-4433	199	122	15.38	15.38	NUM
ejif-4433	199	123	%	%	NOUN
ejif-4433	199	124	50.25	50.25	NUM
ejif-4433	199	125	%	%	NOUN
ejif-4433	199	126	30.75	30.75	NUM
ejif-4433	199	127	%	%	NOUN
ejif-4433	199	128	religious	religious	ADJ
ejif-4433	199	129	obligations	obligation	NOUN
ejif-4433	199	130	and	and	CCONJ
ejif-4433	199	131	profitability	profitability	NOUN
ejif-4433	199	132	0.00	0.00	NUM
ejif-4433	199	133	%	%	NOUN
ejif-4433	199	134	4.13	4.13	NUM
ejif-4433	199	135	%	%	NOUN
ejif-4433	199	136	19.75	19.75	NUM
ejif-4433	199	137	%	%	NOUN
ejif-4433	199	138	54.38	54.38	NUM
ejif-4433	199	139	%	%	NOUN
ejif-4433	199	140	21.75	21.75	NUM
ejif-4433	199	141	%	%	NOUN
ejif-4433	199	142	table	table	NOUN
ejif-4433	199	143	4	4	NUM
ejif-4433	199	144	provides	provide	VERB
ejif-4433	199	145	the	the	DET
ejif-4433	199	146	details	detail	NOUN
ejif-4433	199	147	of	of	ADP
ejif-4433	199	148	senior	senior	ADJ
ejif-4433	199	149	bank	bank	NOUN
ejif-4433	199	150	manager	manager	NOUN
ejif-4433	199	151	response	response	NOUN
ejif-4433	199	152	regarding	regard	VERB
ejif-4433	199	153	influence	influence	NOUN
ejif-4433	199	154	of	of	ADP
ejif-4433	199	155	internal	internal	ADJ
ejif-4433	199	156	and	and	CCONJ
ejif-4433	199	157	external	external	ADJ
ejif-4433	199	158	factors	factor	NOUN
ejif-4433	199	159	influence	influence	NOUN
ejif-4433	199	160	on	on	ADP
ejif-4433	199	161	islamic	islamic	ADJ
ejif-4433	199	162	banks	bank	NOUN
ejif-4433	199	163	profitability	profitability	NOUN
ejif-4433	199	164	.	.	PUNCT
ejif-4433	200	1	internal	internal	ADJ
ejif-4433	200	2	factors	factor	NOUN
ejif-4433	200	3	which	which	PRON
ejif-4433	200	4	influence	influence	VERB
ejif-4433	200	5	the	the	DET
ejif-4433	200	6	islamic	islamic	PROPN
ejif-4433	200	7	bank	bank	PROPN
ejif-4433	200	8	profitability	profitability	NOUN
ejif-4433	200	9	are	be	AUX
ejif-4433	200	10	quick	quick	ADJ
ejif-4433	200	11	ratio	ratio	NOUN
ejif-4433	200	12	,	,	PUNCT
ejif-4433	200	13	cash	cash	NOUN
ejif-4433	200	14	deposit	deposit	NOUN
ejif-4433	200	15	ratio	ratio	NOUN
ejif-4433	200	16	,	,	PUNCT
ejif-4433	200	17	nonperforming	nonperforming	ADJ
ejif-4433	200	18	loans	loan	NOUN
ejif-4433	200	19	,	,	PUNCT
ejif-4433	200	20	asset	asset	NOUN
ejif-4433	200	21	composition	composition	NOUN
ejif-4433	200	22	ratio	ratio	NOUN
ejif-4433	200	23	and	and	CCONJ
ejif-4433	200	24	net	net	ADJ
ejif-4433	200	25	gearing	gearing	NOUN
ejif-4433	200	26	ratio	ratio	NOUN
ejif-4433	200	27	.	.	PUNCT
ejif-4433	201	1	quick	quick	ADJ
ejif-4433	201	2	ratio	ratio	NOUN
ejif-4433	201	3	is	be	AUX
ejif-4433	201	4	a	a	DET
ejif-4433	201	5	measure	measure	NOUN
ejif-4433	201	6	of	of	ADP
ejif-4433	201	7	the	the	DET
ejif-4433	201	8	company	company	NOUN
ejif-4433	201	9	's	's	PART
ejif-4433	201	10	ability	ability	NOUN
ejif-4433	201	11	to	to	PART
ejif-4433	201	12	meet	meet	VERB
ejif-4433	201	13	its	its	PRON
ejif-4433	201	14	obligations	obligation	NOUN
ejif-4433	201	15	in	in	ADP
ejif-4433	201	16	the	the	DET
ejif-4433	201	17	short	short	ADJ
ejif-4433	201	18	term	term	NOUN
ejif-4433	201	19	.	.	PUNCT
ejif-4433	202	1	data	datum	NOUN
ejif-4433	202	2	collected	collect	VERB
ejif-4433	202	3	from	from	ADP
ejif-4433	202	4	the	the	DET
ejif-4433	202	5	senior	senior	ADJ
ejif-4433	202	6	manager	manager	NOUN
ejif-4433	202	7	of	of	ADP
ejif-4433	202	8	islamic	islamic	ADJ
ejif-4433	202	9	banks	bank	NOUN
ejif-4433	202	10	revealed	reveal	VERB
ejif-4433	202	11	that	that	SCONJ
ejif-4433	202	12	quick	quick	ADJ
ejif-4433	202	13	ratio	ratio	NOUN
ejif-4433	202	14	is	be	AUX
ejif-4433	202	15	an	an	DET
ejif-4433	202	16	unimportant	unimportant	ADJ
ejif-4433	202	17	factor	factor	NOUN
ejif-4433	202	18	of	of	ADP
ejif-4433	202	19	pakistan	pakistan	PROPN
ejif-4433	202	20	islamic	islamic	PROPN
ejif-4433	202	21	banks	bank	NOUN
ejif-4433	202	22	.	.	PUNCT
ejif-4433	203	1	so	so	ADV
ejif-4433	203	2	,	,	PUNCT
ejif-4433	203	3	12.88	12.88	NUM
ejif-4433	203	4	%	%	NOUN
ejif-4433	203	5	or	or	CCONJ
ejif-4433	203	6	13	13	NUM
ejif-4433	203	7	%	%	NOUN
ejif-4433	203	8	of	of	ADP
ejif-4433	203	9	the	the	DET
ejif-4433	203	10	respondent	respondent	NOUN
ejif-4433	203	11	(	(	PUNCT
ejif-4433	203	12	senior	senior	ADJ
ejif-4433	203	13	bank	bank	NOUN
ejif-4433	203	14	managers	manager	NOUN
ejif-4433	203	15	)	)	PUNCT
ejif-4433	203	16	stated	state	VERB
ejif-4433	203	17	that	that	SCONJ
ejif-4433	203	18	quick	quick	ADJ
ejif-4433	203	19	ratio	ratio	NOUN
ejif-4433	203	20	is	be	AUX
ejif-4433	203	21	very	very	ADV
ejif-4433	203	22	important	important	ADJ
ejif-4433	203	23	to	to	PART
ejif-4433	203	24	influence	influence	VERB
ejif-4433	203	25	the	the	DET
ejif-4433	203	26	profitability	profitability	NOUN
ejif-4433	203	27	of	of	ADP
ejif-4433	203	28	banks	bank	NOUN
ejif-4433	203	29	.	.	PUNCT
ejif-4433	204	1	study	study	NOUN
ejif-4433	204	2	explained	explain	VERB
ejif-4433	204	3	that	that	SCONJ
ejif-4433	204	4	quick	quick	ADJ
ejif-4433	204	5	ratio	ratio	NOUN
ejif-4433	204	6	has	have	VERB
ejif-4433	204	7	little	little	ADJ
ejif-4433	204	8	contribution	contribution	NOUN
ejif-4433	204	9	in	in	ADP
ejif-4433	204	10	generating	generate	VERB
ejif-4433	204	11	islamic	islamic	PROPN
ejif-4433	204	12	bank	bank	PROPN
ejif-4433	204	13	’s	’s	PART
ejif-4433	204	14	profitability	profitability	NOUN
ejif-4433	204	15	.	.	PUNCT
ejif-4433	205	1	in	in	ADP
ejif-4433	205	2	commercial	commercial	ADJ
ejif-4433	205	3	banks	bank	NOUN
ejif-4433	205	4	customer	customer	NOUN
ejif-4433	205	5	are	be	AUX
ejif-4433	205	6	attracted	attract	VERB
ejif-4433	205	7	with	with	ADP
ejif-4433	205	8	high	high	ADJ
ejif-4433	205	9	interest	interest	NOUN
ejif-4433	205	10	rate	rate	NOUN
ejif-4433	205	11	on	on	ADP
ejif-4433	205	12	deposits	deposit	NOUN
ejif-4433	205	13	while	while	SCONJ
ejif-4433	205	14	in	in	ADP
ejif-4433	205	15	islamic	islamic	ADJ
ejif-4433	205	16	banking	banking	NOUN
ejif-4433	205	17	system	system	NOUN
ejif-4433	205	18	this	this	DET
ejif-4433	205	19	activity	activity	NOUN
ejif-4433	205	20	is	be	AUX
ejif-4433	205	21	haram	haram	PROPN
ejif-4433	205	22	.	.	PUNCT
ejif-4433	206	1	so	so	ADV
ejif-4433	206	2	,	,	PUNCT
ejif-4433	206	3	islamic	islamic	ADJ
ejif-4433	206	4	banks	bank	NOUN
ejif-4433	206	5	need	need	VERB
ejif-4433	206	6	to	to	PART
ejif-4433	206	7	provide	provide	VERB
ejif-4433	206	8	range	range	NOUN
ejif-4433	206	9	of	of	ADP
ejif-4433	206	10	products	product	NOUN
ejif-4433	206	11	which	which	PRON
ejif-4433	206	12	are	be	AUX
ejif-4433	206	13	acceptable	acceptable	ADJ
ejif-4433	206	14	in	in	ADP
ejif-4433	206	15	islamic	islamic	PROPN
ejif-4433	206	16	shariah	shariah	PROPN
ejif-4433	206	17	and	and	CCONJ
ejif-4433	206	18	help	help	VERB
ejif-4433	206	19	to	to	PART
ejif-4433	206	20	increase	increase	VERB
ejif-4433	206	21	customer	customer	NOUN
ejif-4433	206	22	interest	interest	NOUN
ejif-4433	206	23	.	.	PUNCT
ejif-4433	207	1	this	this	DET
ejif-4433	207	2	activity	activity	NOUN
ejif-4433	207	3	help	help	VERB
ejif-4433	207	4	to	to	PART
ejif-4433	207	5	increase	increase	VERB
ejif-4433	207	6	the	the	DET
ejif-4433	207	7	islamic	islamic	ADJ
ejif-4433	207	8	banks	bank	NOUN
ejif-4433	207	9	cash	cash	NOUN
ejif-4433	207	10	deposit	deposit	NOUN
ejif-4433	207	11	ratios	ratio	NOUN
ejif-4433	207	12	and	and	CCONJ
ejif-4433	207	13	ultimately	ultimately	ADV
ejif-4433	207	14	influence	influence	VERB
ejif-4433	207	15	the	the	DET
ejif-4433	207	16	profitability	profitability	NOUN
ejif-4433	207	17	of	of	ADP
ejif-4433	207	18	islamic	islamic	ADJ
ejif-4433	207	19	banks	bank	NOUN
ejif-4433	207	20	.	.	PUNCT
ejif-4433	208	1	so	so	ADV
ejif-4433	208	2	25.00	25.00	NUM
ejif-4433	208	3	%	%	NOUN
ejif-4433	208	4	or	or	CCONJ
ejif-4433	208	5	25	25	NUM
ejif-4433	208	6	%	%	NOUN
ejif-4433	208	7	of	of	ADP
ejif-4433	208	8	the	the	DET
ejif-4433	208	9	respondent	respondent	NOUN
ejif-4433	208	10	(	(	PUNCT
ejif-4433	208	11	senior	senior	ADJ
ejif-4433	208	12	bank	bank	NOUN
ejif-4433	208	13	managers	manager	NOUN
ejif-4433	208	14	)	)	PUNCT
ejif-4433	208	15	stated	state	VERB
ejif-4433	208	16	that	that	SCONJ
ejif-4433	208	17	cash	cash	NOUN
ejif-4433	208	18	deposit	deposit	NOUN
ejif-4433	208	19	ratio	ratio	NOUN
ejif-4433	208	20	is	be	AUX
ejif-4433	208	21	very	very	ADV
ejif-4433	208	22	important	important	ADJ
ejif-4433	208	23	to	to	PART
ejif-4433	208	24	influence	influence	VERB
ejif-4433	208	25	the	the	DET
ejif-4433	208	26	profitability	profitability	NOUN
ejif-4433	208	27	of	of	ADP
ejif-4433	208	28	banks	bank	NOUN
ejif-4433	208	29	,	,	PUNCT
ejif-4433	208	30	41.13	41.13	NUM
ejif-4433	208	31	%	%	NOUN
ejif-4433	208	32	or	or	CCONJ
ejif-4433	208	33	41	41	NUM
ejif-4433	208	34	%	%	NOUN
ejif-4433	208	35	sated	sated	ADJ
ejif-4433	208	36	that	that	SCONJ
ejif-4433	208	37	cash	cash	NOUN
ejif-4433	208	38	deposit	deposit	NOUN
ejif-4433	208	39	ratio	ratio	NOUN
ejif-4433	208	40	is	be	AUX
ejif-4433	208	41	important	important	ADJ
ejif-4433	208	42	for	for	ADP
ejif-4433	208	43	islamic	islamic	ADJ
ejif-4433	208	44	banks	bank	NOUN
ejif-4433	208	45	.	.	PUNCT
ejif-4433	209	1	the	the	DET
ejif-4433	209	2	analysis	analysis	NOUN
ejif-4433	209	3	of	of	ADP
ejif-4433	209	4	nonperforming	nonperforme	VERB
ejif-4433	209	5	loans	loan	NOUN
ejif-4433	209	6	ratio	ratio	NOUN
ejif-4433	209	7	and	and	CCONJ
ejif-4433	209	8	profitability	profitability	NOUN
ejif-4433	209	9	shows	show	VERB
ejif-4433	209	10	that	that	SCONJ
ejif-4433	209	11	ejif	ejif	PROPN
ejif-4433	209	12	–	–	PUNCT
ejif-4433	209	13	european	european	PROPN
ejif-4433	209	14	journal	journal	PROPN
ejif-4433	209	15	of	of	ADP
ejif-4433	209	16	islamic	islamic	PROPN
ejif-4433	209	17	finance	finance	PROPN
ejif-4433	209	18	no15	no15	PROPN
ejif-4433	209	19	,	,	PUNCT
ejif-4433	209	20	august	august	PROPN
ejif-4433	209	21	(	(	PUNCT
ejif-4433	209	22	2020	2020	NUM
ejif-4433	209	23	)	)	PUNCT
ejif-4433	210	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	210	2	issn	issn	VERB
ejif-4433	210	3	2421	2421	NUM
ejif-4433	210	4	-	-	SYM
ejif-4433	210	5	2172	2172	NUM
ejif-4433	210	6	9	9	NUM
ejif-4433	210	7	most	most	ADJ
ejif-4433	210	8	of	of	ADP
ejif-4433	210	9	the	the	DET
ejif-4433	210	10	respondent	respondent	NOUN
ejif-4433	210	11	agreed	agree	VERB
ejif-4433	210	12	on	on	ADP
ejif-4433	210	13	the	the	DET
ejif-4433	210	14	statement	statement	NOUN
ejif-4433	210	15	that	that	SCONJ
ejif-4433	210	16	non	non	ADJ
ejif-4433	210	17	-	-	ADJ
ejif-4433	210	18	performing	performing	ADJ
ejif-4433	210	19	loans	loan	NOUN
ejif-4433	210	20	ratio	ratio	NOUN
ejif-4433	210	21	has	have	VERB
ejif-4433	210	22	negative	negative	ADJ
ejif-4433	210	23	influence	influence	NOUN
ejif-4433	210	24	on	on	ADP
ejif-4433	210	25	profitability	profitability	NOUN
ejif-4433	210	26	of	of	ADP
ejif-4433	210	27	islamic	islamic	ADJ
ejif-4433	210	28	banks	bank	NOUN
ejif-4433	210	29	.	.	PUNCT
ejif-4433	211	1	data	datum	NOUN
ejif-4433	211	2	collected	collect	VERB
ejif-4433	211	3	from	from	ADP
ejif-4433	211	4	the	the	DET
ejif-4433	211	5	senior	senior	ADJ
ejif-4433	211	6	manager	manager	NOUN
ejif-4433	211	7	of	of	ADP
ejif-4433	211	8	islamic	islamic	ADJ
ejif-4433	211	9	banks	bank	NOUN
ejif-4433	211	10	revealed	reveal	VERB
ejif-4433	211	11	that	that	SCONJ
ejif-4433	211	12	nonperforming	nonperforme	VERB
ejif-4433	211	13	loans	loan	NOUN
ejif-4433	211	14	is	be	AUX
ejif-4433	211	15	an	an	DET
ejif-4433	211	16	important	important	ADJ
ejif-4433	211	17	factor	factor	NOUN
ejif-4433	211	18	of	of	ADP
ejif-4433	211	19	pakistan	pakistan	PROPN
ejif-4433	211	20	islamic	islamic	PROPN
ejif-4433	211	21	banks	bank	NOUN
ejif-4433	211	22	.	.	PUNCT
ejif-4433	212	1	so	so	ADV
ejif-4433	212	2	,	,	PUNCT
ejif-4433	212	3	23.63	23.63	NUM
ejif-4433	212	4	%	%	NOUN
ejif-4433	212	5	or	or	CCONJ
ejif-4433	212	6	24	24	NUM
ejif-4433	212	7	%	%	NOUN
ejif-4433	212	8	of	of	ADP
ejif-4433	212	9	the	the	DET
ejif-4433	212	10	respondent	respondent	NOUN
ejif-4433	212	11	(	(	PUNCT
ejif-4433	212	12	senior	senior	ADJ
ejif-4433	212	13	bank	bank	NOUN
ejif-4433	212	14	managers	manager	NOUN
ejif-4433	212	15	)	)	PUNCT
ejif-4433	212	16	stated	state	VERB
ejif-4433	212	17	that	that	SCONJ
ejif-4433	212	18	non	non	ADJ
ejif-4433	212	19	-	-	ADJ
ejif-4433	212	20	performing	performing	ADJ
ejif-4433	212	21	loans	loan	NOUN
ejif-4433	212	22	ratio	ratio	NOUN
ejif-4433	212	23	is	be	AUX
ejif-4433	212	24	very	very	ADV
ejif-4433	212	25	important	important	ADJ
ejif-4433	212	26	to	to	PART
ejif-4433	212	27	influence	influence	VERB
ejif-4433	212	28	the	the	DET
ejif-4433	212	29	profitability	profitability	NOUN
ejif-4433	212	30	of	of	ADP
ejif-4433	212	31	banks	bank	NOUN
ejif-4433	212	32	,	,	PUNCT
ejif-4433	212	33	39.25	39.25	NUM
ejif-4433	212	34	%	%	NOUN
ejif-4433	212	35	or	or	CCONJ
ejif-4433	212	36	39	39	NUM
ejif-4433	212	37	%	%	NOUN
ejif-4433	212	38	sated	sate	VERB
ejif-4433	212	39	that	that	SCONJ
ejif-4433	212	40	nonperforming	nonperforme	VERB
ejif-4433	212	41	loans	loan	NOUN
ejif-4433	212	42	ratio	ratio	NOUN
ejif-4433	212	43	is	be	AUX
ejif-4433	212	44	important	important	ADJ
ejif-4433	212	45	for	for	ADP
ejif-4433	212	46	islamic	islamic	ADJ
ejif-4433	212	47	banks	bank	NOUN
ejif-4433	212	48	.	.	PUNCT
ejif-4433	213	1	when	when	SCONJ
ejif-4433	213	2	dues	due	NOUN
ejif-4433	213	3	are	be	AUX
ejif-4433	213	4	already	already	ADV
ejif-4433	213	5	exposed	expose	VERB
ejif-4433	213	6	to	to	ADP
ejif-4433	213	7	creditors	creditor	NOUN
ejif-4433	213	8	of	of	ADP
ejif-4433	213	9	firms	firm	NOUN
ejif-4433	213	10	,	,	PUNCT
ejif-4433	213	11	they	they	PRON
ejif-4433	213	12	understand	understand	VERB
ejif-4433	213	13	that	that	SCONJ
ejif-4433	213	14	company	company	NOUN
ejif-4433	213	15	might	might	AUX
ejif-4433	213	16	not	not	PART
ejif-4433	213	17	be	be	AUX
ejif-4433	213	18	able	able	ADJ
ejif-4433	213	19	to	to	PART
ejif-4433	213	20	pay	pay	VERB
ejif-4433	213	21	back	back	ADP
ejif-4433	213	22	its	its	PRON
ejif-4433	213	23	debts	debt	NOUN
ejif-4433	213	24	.	.	PUNCT
ejif-4433	214	1	but	but	CCONJ
ejif-4433	214	2	in	in	ADP
ejif-4433	214	3	case	case	NOUN
ejif-4433	214	4	of	of	ADP
ejif-4433	214	5	islamic	islamic	ADJ
ejif-4433	214	6	banks	bank	NOUN
ejif-4433	214	7	gearing	gear	VERB
ejif-4433	214	8	ratio	ratio	NOUN
ejif-4433	214	9	plays	play	VERB
ejif-4433	214	10	very	very	ADV
ejif-4433	214	11	small	small	ADJ
ejif-4433	214	12	role	role	NOUN
ejif-4433	214	13	as	as	SCONJ
ejif-4433	214	14	islamic	islamic	ADJ
ejif-4433	214	15	banks	bank	NOUN
ejif-4433	214	16	can	can	AUX
ejif-4433	214	17	not	not	PART
ejif-4433	214	18	make	make	VERB
ejif-4433	214	19	extra	extra	ADJ
ejif-4433	214	20	capital	capital	NOUN
ejif-4433	214	21	.	.	PUNCT
ejif-4433	215	1	islamic	islamic	ADJ
ejif-4433	215	2	banks	bank	NOUN
ejif-4433	215	3	need	need	VERB
ejif-4433	215	4	to	to	PART
ejif-4433	215	5	utilize	utilize	VERB
ejif-4433	215	6	their	their	PRON
ejif-4433	215	7	equity	equity	NOUN
ejif-4433	215	8	and	and	CCONJ
ejif-4433	215	9	they	they	PRON
ejif-4433	215	10	can	can	AUX
ejif-4433	215	11	not	not	PART
ejif-4433	215	12	rely	rely	VERB
ejif-4433	215	13	on	on	ADP
ejif-4433	215	14	debt	debt	NOUN
ejif-4433	215	15	.	.	PUNCT
ejif-4433	216	1	so	so	ADV
ejif-4433	216	2	,	,	PUNCT
ejif-4433	216	3	17.75	17.75	NUM
ejif-4433	216	4	%	%	NOUN
ejif-4433	216	5	or	or	CCONJ
ejif-4433	216	6	18	18	NUM
ejif-4433	216	7	%	%	NOUN
ejif-4433	216	8	of	of	ADP
ejif-4433	216	9	the	the	DET
ejif-4433	216	10	respondent	respondent	NOUN
ejif-4433	216	11	(	(	PUNCT
ejif-4433	216	12	senior	senior	ADJ
ejif-4433	216	13	bank	bank	NOUN
ejif-4433	216	14	managers	manager	NOUN
ejif-4433	216	15	)	)	PUNCT
ejif-4433	216	16	stated	state	VERB
ejif-4433	216	17	that	that	SCONJ
ejif-4433	216	18	net	net	ADJ
ejif-4433	216	19	gearing	gearing	NOUN
ejif-4433	216	20	ratio	ratio	NOUN
ejif-4433	216	21	is	be	AUX
ejif-4433	216	22	very	very	ADV
ejif-4433	216	23	important	important	ADJ
ejif-4433	216	24	to	to	PART
ejif-4433	216	25	influence	influence	VERB
ejif-4433	216	26	the	the	DET
ejif-4433	216	27	profitability	profitability	NOUN
ejif-4433	216	28	of	of	ADP
ejif-4433	216	29	banks	bank	NOUN
ejif-4433	216	30	.	.	PUNCT
ejif-4433	217	1	the	the	DET
ejif-4433	217	2	analysis	analysis	NOUN
ejif-4433	217	3	of	of	ADP
ejif-4433	217	4	asset	asset	NOUN
ejif-4433	217	5	composition	composition	NOUN
ejif-4433	217	6	ratio	ratio	NOUN
ejif-4433	217	7	and	and	CCONJ
ejif-4433	217	8	profitability	profitability	NOUN
ejif-4433	217	9	shows	show	VERB
ejif-4433	217	10	that	that	SCONJ
ejif-4433	217	11	most	most	ADJ
ejif-4433	217	12	of	of	ADP
ejif-4433	217	13	the	the	DET
ejif-4433	217	14	respondent	respondent	NOUN
ejif-4433	217	15	agreed	agree	VERB
ejif-4433	217	16	on	on	ADP
ejif-4433	217	17	the	the	DET
ejif-4433	217	18	statement	statement	NOUN
ejif-4433	217	19	that	that	SCONJ
ejif-4433	217	20	asset	asset	NOUN
ejif-4433	217	21	composition	composition	NOUN
ejif-4433	217	22	ratio	ratio	NOUN
ejif-4433	217	23	has	have	VERB
ejif-4433	217	24	positive	positive	ADJ
ejif-4433	217	25	influence	influence	NOUN
ejif-4433	217	26	on	on	ADP
ejif-4433	217	27	profitability	profitability	NOUN
ejif-4433	217	28	of	of	ADP
ejif-4433	217	29	islamic	islamic	ADJ
ejif-4433	217	30	banks	bank	NOUN
ejif-4433	217	31	.	.	PUNCT
ejif-4433	218	1	data	datum	NOUN
ejif-4433	218	2	collected	collect	VERB
ejif-4433	218	3	from	from	ADP
ejif-4433	218	4	the	the	DET
ejif-4433	218	5	senior	senior	ADJ
ejif-4433	218	6	manager	manager	NOUN
ejif-4433	218	7	of	of	ADP
ejif-4433	218	8	islamic	islamic	ADJ
ejif-4433	218	9	banks	bank	NOUN
ejif-4433	218	10	revealed	reveal	VERB
ejif-4433	218	11	that	that	SCONJ
ejif-4433	218	12	asset	asset	NOUN
ejif-4433	218	13	composition	composition	NOUN
ejif-4433	218	14	ratio	ratio	NOUN
ejif-4433	218	15	is	be	AUX
ejif-4433	218	16	an	an	DET
ejif-4433	218	17	important	important	ADJ
ejif-4433	218	18	factor	factor	NOUN
ejif-4433	218	19	of	of	ADP
ejif-4433	218	20	pakistan	pakistan	PROPN
ejif-4433	218	21	islamic	islamic	PROPN
ejif-4433	218	22	banks	bank	NOUN
ejif-4433	218	23	.	.	PUNCT
ejif-4433	219	1	so	so	ADV
ejif-4433	219	2	,	,	PUNCT
ejif-4433	219	3	10.00	10.00	NUM
ejif-4433	219	4	%	%	NOUN
ejif-4433	219	5	or	or	CCONJ
ejif-4433	219	6	10	10	NUM
ejif-4433	219	7	%	%	NOUN
ejif-4433	219	8	of	of	ADP
ejif-4433	219	9	the	the	DET
ejif-4433	219	10	respondent	respondent	NOUN
ejif-4433	219	11	(	(	PUNCT
ejif-4433	219	12	senior	senior	ADJ
ejif-4433	219	13	bank	bank	NOUN
ejif-4433	219	14	managers	manager	NOUN
ejif-4433	219	15	)	)	PUNCT
ejif-4433	219	16	stated	state	VERB
ejif-4433	219	17	that	that	SCONJ
ejif-4433	219	18	asset	asset	NOUN
ejif-4433	219	19	composition	composition	NOUN
ejif-4433	219	20	ratio	ratio	NOUN
ejif-4433	219	21	is	be	AUX
ejif-4433	219	22	very	very	ADV
ejif-4433	219	23	important	important	ADJ
ejif-4433	219	24	to	to	PART
ejif-4433	219	25	influence	influence	VERB
ejif-4433	219	26	the	the	DET
ejif-4433	219	27	profitability	profitability	NOUN
ejif-4433	219	28	of	of	ADP
ejif-4433	219	29	banks	bank	NOUN
ejif-4433	219	30	,	,	PUNCT
ejif-4433	219	31	34.50	34.50	NUM
ejif-4433	219	32	%	%	NOUN
ejif-4433	219	33	or	or	CCONJ
ejif-4433	219	34	35	35	NUM
ejif-4433	219	35	%	%	NOUN
ejif-4433	219	36	sated	sate	VERB
ejif-4433	219	37	that	that	SCONJ
ejif-4433	219	38	asset	asset	NOUN
ejif-4433	219	39	composition	composition	NOUN
ejif-4433	219	40	ratio	ratio	NOUN
ejif-4433	219	41	is	be	AUX
ejif-4433	219	42	important	important	ADJ
ejif-4433	219	43	for	for	ADP
ejif-4433	219	44	islamic	islamic	ADJ
ejif-4433	219	45	banks	bank	NOUN
ejif-4433	219	46	.	.	PUNCT
ejif-4433	220	1	external	external	ADJ
ejif-4433	220	2	factors	factor	NOUN
ejif-4433	220	3	which	which	PRON
ejif-4433	220	4	influence	influence	VERB
ejif-4433	220	5	the	the	DET
ejif-4433	220	6	islamic	islamic	PROPN
ejif-4433	220	7	bank	bank	PROPN
ejif-4433	220	8	profitability	profitability	NOUN
ejif-4433	220	9	are	be	AUX
ejif-4433	220	10	competitive	competitive	ADJ
ejif-4433	220	11	advantage	advantage	NOUN
ejif-4433	220	12	,	,	PUNCT
ejif-4433	220	13	service	service	NOUN
ejif-4433	220	14	quality	quality	NOUN
ejif-4433	220	15	and	and	CCONJ
ejif-4433	220	16	religious	religious	ADJ
ejif-4433	220	17	obligation	obligation	NOUN
ejif-4433	220	18	.	.	PUNCT
ejif-4433	221	1	in	in	ADP
ejif-4433	221	2	case	case	NOUN
ejif-4433	221	3	of	of	ADP
ejif-4433	221	4	religious	religious	ADJ
ejif-4433	221	5	obligation	obligation	NOUN
ejif-4433	221	6	,	,	PUNCT
ejif-4433	221	7	many	many	ADJ
ejif-4433	221	8	of	of	ADP
ejif-4433	221	9	the	the	DET
ejif-4433	221	10	senior	senior	ADJ
ejif-4433	221	11	managers	manager	NOUN
ejif-4433	221	12	stated	state	VERB
ejif-4433	221	13	that	that	SCONJ
ejif-4433	221	14	customer	customer	NOUN
ejif-4433	221	15	have	have	VERB
ejif-4433	221	16	lack	lack	NOUN
ejif-4433	221	17	of	of	ADP
ejif-4433	221	18	awareness	awareness	NOUN
ejif-4433	221	19	regarding	regard	VERB
ejif-4433	221	20	islamic	islamic	ADJ
ejif-4433	221	21	banks	bank	NOUN
ejif-4433	221	22	products	product	NOUN
ejif-4433	221	23	.	.	PUNCT
ejif-4433	222	1	they	they	PRON
ejif-4433	222	2	explained	explain	VERB
ejif-4433	222	3	that	that	SCONJ
ejif-4433	222	4	most	most	ADJ
ejif-4433	222	5	of	of	ADP
ejif-4433	222	6	the	the	DET
ejif-4433	222	7	customers	customer	NOUN
ejif-4433	222	8	think	think	VERB
ejif-4433	222	9	that	that	SCONJ
ejif-4433	222	10	islamic	islamic	ADJ
ejif-4433	222	11	banks	bank	NOUN
ejif-4433	222	12	are	be	AUX
ejif-4433	222	13	not	not	PART
ejif-4433	222	14	following	follow	VERB
ejif-4433	222	15	religious	religious	ADJ
ejif-4433	222	16	obligation	obligation	NOUN
ejif-4433	222	17	and	and	CCONJ
ejif-4433	222	18	they	they	PRON
ejif-4433	222	19	are	be	AUX
ejif-4433	222	20	charging	charge	VERB
ejif-4433	222	21	hidden	hidden	ADJ
ejif-4433	222	22	charges	charge	NOUN
ejif-4433	222	23	from	from	ADP
ejif-4433	222	24	customer	customer	NOUN
ejif-4433	222	25	which	which	PRON
ejif-4433	222	26	is	be	AUX
ejif-4433	222	27	equivalent	equivalent	ADJ
ejif-4433	222	28	to	to	ADP
ejif-4433	222	29	interest	interest	NOUN
ejif-4433	222	30	rate	rate	NOUN
ejif-4433	222	31	.	.	PUNCT
ejif-4433	223	1	the	the	DET
ejif-4433	223	2	respondent	respondent	NOUN
ejif-4433	223	3	(	(	PUNCT
ejif-4433	223	4	senior	senior	ADJ
ejif-4433	223	5	bank	bank	NOUN
ejif-4433	223	6	managers	manager	NOUN
ejif-4433	223	7	)	)	PUNCT
ejif-4433	223	8	explained	explain	VERB
ejif-4433	223	9	that	that	SCONJ
ejif-4433	223	10	it	it	PRON
ejif-4433	223	11	is	be	AUX
ejif-4433	223	12	very	very	ADV
ejif-4433	223	13	important	important	ADJ
ejif-4433	223	14	for	for	SCONJ
ejif-4433	223	15	islamic	islamic	ADJ
ejif-4433	223	16	banks	bank	NOUN
ejif-4433	223	17	to	to	PART
ejif-4433	223	18	follow	follow	VERB
ejif-4433	223	19	religious	religious	ADJ
ejif-4433	223	20	obligations	obligation	NOUN
ejif-4433	223	21	,	,	PUNCT
ejif-4433	223	22	sharia	sharia	PROPN
ejif-4433	223	23	complaints	complaint	NOUN
ejif-4433	223	24	,	,	PUNCT
ejif-4433	223	25	in	in	ADP
ejif-4433	223	26	order	order	NOUN
ejif-4433	223	27	to	to	PART
ejif-4433	223	28	become	become	VERB
ejif-4433	223	29	more	more	ADV
ejif-4433	223	30	profitable	profitable	ADJ
ejif-4433	223	31	.	.	PUNCT
ejif-4433	224	1	so	so	ADV
ejif-4433	224	2	32.17	32.17	NUM
ejif-4433	224	3	%	%	NOUN
ejif-4433	224	4	of	of	ADP
ejif-4433	224	5	the	the	DET
ejif-4433	224	6	respondent	respondent	NOUN
ejif-4433	224	7	(	(	PUNCT
ejif-4433	224	8	senior	senior	ADJ
ejif-4433	224	9	bank	bank	NOUN
ejif-4433	224	10	managers	manager	NOUN
ejif-4433	224	11	)	)	PUNCT
ejif-4433	224	12	strongly	strongly	ADV
ejif-4433	224	13	agreed	agree	VERB
ejif-4433	224	14	that	that	SCONJ
ejif-4433	224	15	religious	religious	ADJ
ejif-4433	224	16	obligation	obligation	NOUN
ejif-4433	224	17	have	have	VERB
ejif-4433	224	18	major	major	ADJ
ejif-4433	224	19	influence	influence	NOUN
ejif-4433	224	20	on	on	ADP
ejif-4433	224	21	banks	bank	NOUN
ejif-4433	224	22	profitability	profitability	NOUN
ejif-4433	224	23	.	.	PUNCT
ejif-4433	225	1	in	in	ADP
ejif-4433	225	2	case	case	NOUN
ejif-4433	225	3	of	of	ADP
ejif-4433	225	4	service	service	NOUN
ejif-4433	225	5	quality	quality	NOUN
ejif-4433	225	6	,	,	PUNCT
ejif-4433	225	7	the	the	DET
ejif-4433	225	8	senior	senior	ADJ
ejif-4433	225	9	manager	manager	NOUN
ejif-4433	225	10	describe	describe	VERB
ejif-4433	225	11	that	that	SCONJ
ejif-4433	225	12	they	they	PRON
ejif-4433	225	13	are	be	AUX
ejif-4433	225	14	trying	try	VERB
ejif-4433	225	15	to	to	PART
ejif-4433	225	16	provide	provide	VERB
ejif-4433	225	17	excellent	excellent	ADJ
ejif-4433	225	18	services	service	NOUN
ejif-4433	225	19	to	to	ADP
ejif-4433	225	20	their	their	PRON
ejif-4433	225	21	customer	customer	NOUN
ejif-4433	225	22	but	but	CCONJ
ejif-4433	225	23	their	their	PRON
ejif-4433	225	24	services	service	NOUN
ejif-4433	225	25	are	be	AUX
ejif-4433	225	26	not	not	PART
ejif-4433	225	27	competitive	competitive	ADJ
ejif-4433	225	28	to	to	ADP
ejif-4433	225	29	non	non	ADJ
ejif-4433	225	30	islamic	islamic	PROPN
ejif-4433	225	31	rivals/	rivals/	NUM
ejif-4433	225	32	conventional	conventional	ADJ
ejif-4433	225	33	banking	banking	NOUN
ejif-4433	225	34	sector	sector	NOUN
ejif-4433	225	35	of	of	ADP
ejif-4433	225	36	pakistan	pakistan	PROPN
ejif-4433	225	37	.	.	PUNCT
ejif-4433	226	1	reason	reason	NOUN
ejif-4433	226	2	behind	behind	ADP
ejif-4433	226	3	this	this	DET
ejif-4433	226	4	phenomenon	phenomenon	NOUN
ejif-4433	226	5	is	be	AUX
ejif-4433	226	6	,	,	PUNCT
ejif-4433	226	7	islamic	islamic	ADJ
ejif-4433	226	8	banks	bank	NOUN
ejif-4433	226	9	need	need	VERB
ejif-4433	226	10	to	to	PART
ejif-4433	226	11	be	be	AUX
ejif-4433	226	12	sharia	sharia	PROPN
ejif-4433	226	13	complaint	complaint	NOUN
ejif-4433	226	14	and	and	CCONJ
ejif-4433	226	15	they	they	PRON
ejif-4433	226	16	can	can	AUX
ejif-4433	226	17	not	not	PART
ejif-4433	226	18	offer	offer	VERB
ejif-4433	226	19	financing	financing	NOUN
ejif-4433	226	20	for	for	ADP
ejif-4433	226	21	“	"	PUNCT
ejif-4433	226	22	haram	haram	PROPN
ejif-4433	226	23	product	product	NOUN
ejif-4433	226	24	”	"	PUNCT
ejif-4433	226	25	which	which	PRON
ejif-4433	226	26	highly	highly	ADV
ejif-4433	226	27	influence	influence	VERB
ejif-4433	226	28	the	the	DET
ejif-4433	226	29	profitability	profitability	NOUN
ejif-4433	226	30	of	of	ADP
ejif-4433	226	31	banks	bank	NOUN
ejif-4433	226	32	.	.	PUNCT
ejif-4433	227	1	so	so	ADV
ejif-4433	227	2	51.75	51.75	NUM
ejif-4433	227	3	%	%	NOUN
ejif-4433	227	4	or	or	CCONJ
ejif-4433	227	5	52	52	NUM
ejif-4433	227	6	%	%	NOUN
ejif-4433	227	7	of	of	ADP
ejif-4433	227	8	the	the	DET
ejif-4433	227	9	respondent	respondent	NOUN
ejif-4433	227	10	(	(	PUNCT
ejif-4433	227	11	senior	senior	ADJ
ejif-4433	227	12	bank	bank	NOUN
ejif-4433	227	13	managers	manager	NOUN
ejif-4433	227	14	)	)	PUNCT
ejif-4433	227	15	strongly	strongly	ADV
ejif-4433	227	16	agreed	agree	VERB
ejif-4433	227	17	that	that	SCONJ
ejif-4433	227	18	service	service	NOUN
ejif-4433	227	19	quality	quality	NOUN
ejif-4433	227	20	has	have	VERB
ejif-4433	227	21	major	major	ADJ
ejif-4433	227	22	influence	influence	NOUN
ejif-4433	227	23	on	on	ADP
ejif-4433	227	24	banks	bank	NOUN
ejif-4433	227	25	profitability	profitability	NOUN
ejif-4433	227	26	.	.	PUNCT
ejif-4433	228	1	there	there	PRON
ejif-4433	228	2	is	be	VERB
ejif-4433	228	3	huge	huge	ADJ
ejif-4433	228	4	competition	competition	NOUN
ejif-4433	228	5	exist	exist	VERB
ejif-4433	228	6	in	in	ADP
ejif-4433	228	7	banking	banking	NOUN
ejif-4433	228	8	sector	sector	NOUN
ejif-4433	228	9	of	of	ADP
ejif-4433	228	10	pakistan	pakistan	PROPN
ejif-4433	228	11	and	and	CCONJ
ejif-4433	228	12	having	have	VERB
ejif-4433	228	13	competitive	competitive	ADJ
ejif-4433	228	14	advantage	advantage	NOUN
ejif-4433	228	15	matter	matter	NOUN
ejif-4433	228	16	most	most	ADJ
ejif-4433	228	17	for	for	ADP
ejif-4433	228	18	the	the	DET
ejif-4433	228	19	islamic	islamic	ADJ
ejif-4433	228	20	banks	bank	NOUN
ejif-4433	228	21	.	.	PUNCT
ejif-4433	229	1	islamic	islamic	PROPN
ejif-4433	229	2	are	be	AUX
ejif-4433	229	3	not	not	PART
ejif-4433	229	4	facing	face	VERB
ejif-4433	229	5	only	only	ADV
ejif-4433	229	6	islamic	islamic	ADJ
ejif-4433	229	7	rivals	rival	NOUN
ejif-4433	229	8	but	but	CCONJ
ejif-4433	229	9	they	they	PRON
ejif-4433	229	10	also	also	ADV
ejif-4433	229	11	need	need	VERB
ejif-4433	229	12	to	to	PART
ejif-4433	229	13	compete	compete	VERB
ejif-4433	229	14	with	with	ADP
ejif-4433	229	15	non	non	ADJ
ejif-4433	229	16	islamic	islamic	PROPN
ejif-4433	229	17	/	/	SYM
ejif-4433	229	18	conventional	conventional	ADJ
ejif-4433	229	19	banking	banking	NOUN
ejif-4433	229	20	rivals	rival	NOUN
ejif-4433	229	21	.	.	PUNCT
ejif-4433	230	1	so	so	ADV
ejif-4433	230	2	37.80	37.80	NUM
ejif-4433	230	3	%	%	NOUN
ejif-4433	230	4	or	or	CCONJ
ejif-4433	230	5	38	38	NUM
ejif-4433	230	6	%	%	NOUN
ejif-4433	230	7	of	of	ADP
ejif-4433	230	8	the	the	DET
ejif-4433	230	9	respondent	respondent	NOUN
ejif-4433	230	10	(	(	PUNCT
ejif-4433	230	11	senior	senior	ADJ
ejif-4433	230	12	bank	bank	NOUN
ejif-4433	230	13	managers	manager	NOUN
ejif-4433	230	14	)	)	PUNCT
ejif-4433	230	15	strongly	strongly	ADV
ejif-4433	230	16	agreed	agree	VERB
ejif-4433	230	17	that	that	SCONJ
ejif-4433	230	18	their	their	PRON
ejif-4433	230	19	competitive	competitive	ADJ
ejif-4433	230	20	advantage	advantage	NOUN
ejif-4433	230	21	have	have	VERB
ejif-4433	230	22	major	major	ADJ
ejif-4433	230	23	influence	influence	NOUN
ejif-4433	230	24	on	on	ADP
ejif-4433	230	25	banks	bank	NOUN
ejif-4433	230	26	profitability	profitability	NOUN
ejif-4433	230	27	.	.	PUNCT
ejif-4433	231	1	open	open	ADJ
ejif-4433	231	2	ended	ended	ADJ
ejif-4433	231	3	questionnaire	questionnaire	NOUN
ejif-4433	231	4	:	:	PUNCT
ejif-4433	231	5	in	in	ADP
ejif-4433	231	6	your	your	PRON
ejif-4433	231	7	opinion	opinion	NOUN
ejif-4433	231	8	what	what	PRON
ejif-4433	231	9	are	be	AUX
ejif-4433	231	10	other	other	ADJ
ejif-4433	231	11	major	major	ADJ
ejif-4433	231	12	factors	factor	NOUN
ejif-4433	231	13	and	and	CCONJ
ejif-4433	231	14	reasons	reason	NOUN
ejif-4433	231	15	of	of	ADP
ejif-4433	231	16	decline	decline	NOUN
ejif-4433	231	17	in	in	ADP
ejif-4433	231	18	profitability	profitability	NOUN
ejif-4433	231	19	of	of	ADP
ejif-4433	231	20	pakistan	pakistan	PROPN
ejif-4433	231	21	islamic	islamic	ADJ
ejif-4433	231	22	banking	banking	NOUN
ejif-4433	231	23	sector	sector	NOUN
ejif-4433	231	24	?	?	PUNCT
ejif-4433	232	1	researcher	researcher	NOUN
ejif-4433	232	2	stated	state	VERB
ejif-4433	232	3	last	last	ADJ
ejif-4433	232	4	question	question	NOUN
ejif-4433	232	5	as	as	SCONJ
ejif-4433	232	6	open	open	ADJ
ejif-4433	232	7	ended	end	VERB
ejif-4433	232	8	in	in	ADP
ejif-4433	232	9	questionnaire	questionnaire	NOUN
ejif-4433	232	10	and	and	CCONJ
ejif-4433	232	11	asked	ask	VERB
ejif-4433	232	12	for	for	ADP
ejif-4433	232	13	senior	senior	ADJ
ejif-4433	232	14	management	management	NOUN
ejif-4433	232	15	opinion	opinion	NOUN
ejif-4433	232	16	regarding	regard	VERB
ejif-4433	232	17	islamic	islamic	ADJ
ejif-4433	232	18	banks	bank	NOUN
ejif-4433	232	19	profitability	profitability	NOUN
ejif-4433	232	20	decline	decline	NOUN
ejif-4433	232	21	.	.	PUNCT
ejif-4433	233	1	there	there	PRON
ejif-4433	233	2	are	be	VERB
ejif-4433	233	3	eight	eight	NUM
ejif-4433	233	4	factors	factor	NOUN
ejif-4433	233	5	identified	identify	VERB
ejif-4433	233	6	in	in	ADP
ejif-4433	233	7	this	this	DET
ejif-4433	233	8	study	study	NOUN
ejif-4433	233	9	and	and	CCONJ
ejif-4433	233	10	researcher	researcher	NOUN
ejif-4433	233	11	asked	ask	VERB
ejif-4433	233	12	the	the	DET
ejif-4433	233	13	senior	senior	ADJ
ejif-4433	233	14	managers	manager	NOUN
ejif-4433	233	15	of	of	ADP
ejif-4433	233	16	islamic	islamic	ADJ
ejif-4433	233	17	banks	bank	NOUN
ejif-4433	233	18	to	to	PART
ejif-4433	233	19	identify	identify	VERB
ejif-4433	233	20	factors	factor	NOUN
ejif-4433	233	21	other	other	ADJ
ejif-4433	233	22	than	than	ADP
ejif-4433	233	23	variables	variable	NOUN
ejif-4433	233	24	understudy	understudy	NOUN
ejif-4433	233	25	.	.	PUNCT
ejif-4433	234	1	different	different	ADJ
ejif-4433	234	2	senior	senior	ADJ
ejif-4433	234	3	managers	manager	NOUN
ejif-4433	234	4	identified	identify	VERB
ejif-4433	234	5	different	different	ADJ
ejif-4433	234	6	factors	factor	NOUN
ejif-4433	234	7	as	as	ADP
ejif-4433	234	8	reason	reason	NOUN
ejif-4433	234	9	of	of	ADP
ejif-4433	234	10	islamic	islamic	ADJ
ejif-4433	234	11	banks	bank	NOUN
ejif-4433	234	12	profitability	profitability	NOUN
ejif-4433	234	13	decline	decline	NOUN
ejif-4433	234	14	.	.	PUNCT
ejif-4433	235	1	the	the	DET
ejif-4433	235	2	major	major	ADJ
ejif-4433	235	3	focused	focused	ADJ
ejif-4433	235	4	factors	factor	NOUN
ejif-4433	235	5	are	be	AUX
ejif-4433	235	6	given	give	VERB
ejif-4433	235	7	below	below	ADV
ejif-4433	235	8	:	:	PUNCT
ejif-4433	235	9			PROPN
ejif-4433	235	10	low	low	ADJ
ejif-4433	235	11	awareness	awareness	NOUN
ejif-4433	235	12	of	of	ADP
ejif-4433	235	13	islamic	islamic	ADJ
ejif-4433	235	14	banking	banking	NOUN
ejif-4433	235	15	products	product	NOUN
ejif-4433	235	16	and	and	CCONJ
ejif-4433	235	17	procedure	procedure	NOUN
ejif-4433	235	18	(	(	PUNCT
ejif-4433	235	19	lack	lack	NOUN
ejif-4433	235	20	of	of	ADP
ejif-4433	235	21	clarity	clarity	NOUN
ejif-4433	235	22	of	of	ADP
ejif-4433	235	23	shariah	shariah	PROPN
ejif-4433	235	24	compliance	compliance	NOUN
ejif-4433	235	25	and	and	CCONJ
ejif-4433	235	26	awareness	awareness	NOUN
ejif-4433	235	27	of	of	ADP
ejif-4433	235	28	islamic	islamic	ADJ
ejif-4433	235	29	banking	banking	NOUN
ejif-4433	235	30	practices	practice	NOUN
ejif-4433	235	31	)	)	PUNCT
ejif-4433	235	32			VERB
ejif-4433	235	33	fear	fear	NOUN
ejif-4433	235	34	of	of	ADP
ejif-4433	235	35	wrong	wrong	ADJ
ejif-4433	235	36	use	use	NOUN
ejif-4433	235	37	of	of	ADP
ejif-4433	235	38	customer	customer	NOUN
ejif-4433	235	39	money	money	NOUN
ejif-4433	235	40	in	in	ADP
ejif-4433	235	41	non	non	ADJ
ejif-4433	235	42	-	-	ADJ
ejif-4433	235	43	sharia	sharia	ADJ
ejif-4433	235	44	products	product	NOUN
ejif-4433	235	45	.	.	PUNCT
ejif-4433	236	1			ADP
ejif-4433	236	2	high	high	ADJ
ejif-4433	236	3	liquidity	liquidity	NOUN
ejif-4433	236	4	keeping	keeping	NOUN
ejif-4433	236	5			PROPN
ejif-4433	236	6	lack	lack	NOUN
ejif-4433	236	7	of	of	ADP
ejif-4433	236	8	trust	trust	NOUN
ejif-4433	236	9			PUNCT
ejif-4433	236	10	not	not	PART
ejif-4433	236	11	competitive	competitive	ADJ
ejif-4433	236	12	like	like	SCONJ
ejif-4433	236	13	conventional	conventional	ADJ
ejif-4433	236	14	banks	bank	NOUN
ejif-4433	236	15			PROPN
ejif-4433	236	16	staff	staff	NOUN
ejif-4433	236	17	is	be	AUX
ejif-4433	236	18	not	not	PART
ejif-4433	236	19	highly	highly	ADV
ejif-4433	236	20	trained	train	VERB
ejif-4433	236	21	so	so	ADV
ejif-4433	236	22	can	can	AUX
ejif-4433	236	23	not	not	PART
ejif-4433	236	24	convince	convince	VERB
ejif-4433	236	25	customer	customer	NOUN
ejif-4433	236	26	(	(	PUNCT
ejif-4433	236	27	need	need	VERB
ejif-4433	236	28	training	training	NOUN
ejif-4433	236	29	)	)	PUNCT
ejif-4433	236	30			ADP
ejif-4433	236	31	customer	customer	NOUN
ejif-4433	236	32	religion	religion	NOUN
ejif-4433	236	33	sentiments	sentiment	NOUN
ejif-4433	236	34	does	do	AUX
ejif-4433	236	35	not	not	PART
ejif-4433	236	36	match	match	VERB
ejif-4433	236	37	the	the	DET
ejif-4433	236	38	islamic	islamic	ADJ
ejif-4433	236	39	banks	bank	NOUN
ejif-4433	236	40	product	product	NOUN
ejif-4433	236	41	offering	offer	VERB
ejif-4433	236	42	ejif	ejif	PROPN
ejif-4433	236	43	–	–	PUNCT
ejif-4433	236	44	european	european	PROPN
ejif-4433	236	45	journal	journal	PROPN
ejif-4433	236	46	of	of	ADP
ejif-4433	236	47	islamic	islamic	PROPN
ejif-4433	236	48	finance	finance	PROPN
ejif-4433	236	49	no15	no15	PROPN
ejif-4433	236	50	,	,	PUNCT
ejif-4433	236	51	august	august	PROPN
ejif-4433	236	52	(	(	PUNCT
ejif-4433	236	53	2020	2020	NUM
ejif-4433	236	54	)	)	PUNCT
ejif-4433	237	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	237	2	issn	issn	VERB
ejif-4433	237	3	2421	2421	NUM
ejif-4433	237	4	-	-	SYM
ejif-4433	237	5	2172	2172	NUM
ejif-4433	237	6	10	10	NUM
ejif-4433	237	7	low	low	ADJ
ejif-4433	237	8	inner	inner	ADJ
ejif-4433	237	9	satisfaction	satisfaction	NOUN
ejif-4433	237	10	/	/	SYM
ejif-4433	237	11	faith	faith	NOUN
ejif-4433	237	12	cause	cause	VERB
ejif-4433	237	13	less	less	ADJ
ejif-4433	237	14	acceptability	acceptability	NOUN
ejif-4433	237	15	of	of	ADP
ejif-4433	237	16	islamic	islamic	ADJ
ejif-4433	237	17	banks	bank	NOUN
ejif-4433	237	18	as	as	SCONJ
ejif-4433	237	19	compare	compare	VERB
ejif-4433	237	20	to	to	ADP
ejif-4433	237	21	conventional	conventional	ADJ
ejif-4433	237	22	banking	banking	NOUN
ejif-4433	237	23	sector	sector	NOUN
ejif-4433	237	24	.	.	PUNCT
ejif-4433	238	1	table	table	NOUN
ejif-4433	238	2	5	5	NUM
ejif-4433	238	3	:	:	PUNCT
ejif-4433	238	4	result	result	VERB
ejif-4433	238	5	summary	summary	NOUN
ejif-4433	238	6	hypotheses	hypothese	VERB
ejif-4433	238	7	theoretical	theoretical	ADJ
ejif-4433	238	8	support	support	NOUN
ejif-4433	238	9	/	/	SYM
ejif-4433	238	10	results	result	VERB
ejif-4433	238	11	graphical	graphical	ADJ
ejif-4433	238	12	representation	representation	NOUN
ejif-4433	238	13	results	result	NOUN
ejif-4433	238	14	results	result	VERB
ejif-4433	238	15	/	/	SYM
ejif-4433	238	16	rea	rea	PROPN
ejif-4433	238	17	son	son	NOUN
ejif-4433	238	18	h1	h1	PROPN
ejif-4433	238	19	:	:	PUNCT
ejif-4433	238	20	quick	quick	ADJ
ejif-4433	238	21	ratios	ratio	NOUN
ejif-4433	238	22	is	be	AUX
ejif-4433	238	23	important	important	ADJ
ejif-4433	238	24	factor	factor	NOUN
ejif-4433	238	25	to	to	PART
ejif-4433	238	26	influence	influence	VERB
ejif-4433	238	27	the	the	DET
ejif-4433	238	28	islamic	islamic	ADJ
ejif-4433	238	29	banks	bank	NOUN
ejif-4433	238	30	profitability	profitability	VERB
ejif-4433	238	31	positive	positive	ADJ
ejif-4433	238	32	and	and	CCONJ
ejif-4433	238	33	sig	sig	NOUN
ejif-4433	238	34	relation	relation	NOUN
ejif-4433	238	35	alshatti	alshatti	PROPN
ejif-4433	238	36	(	(	PUNCT
ejif-4433	238	37	2015	2015	NUM
ejif-4433	238	38	)	)	PUNCT
ejif-4433	238	39	,	,	PUNCT
ejif-4433	239	1	malik	malik	PROPN
ejif-4433	239	2	et	et	PROPN
ejif-4433	239	3	al	al	PROPN
ejif-4433	239	4	.	.	PUNCT
ejif-4433	240	1	(	(	PUNCT
ejif-4433	240	2	2016	2016	NUM
ejif-4433	240	3	)	)	PUNCT
ejif-4433	240	4	,	,	PUNCT
ejif-4433	240	5	ishaq	ishaq	PROPN
ejif-4433	240	6	et	et	PROPN
ejif-4433	240	7	al	al	PROPN
ejif-4433	240	8	.	.	PROPN
ejif-4433	241	1	(	(	PUNCT
ejif-4433	241	2	2016	2016	NUM
ejif-4433	241	3	)	)	PUNCT
ejif-4433	241	4	33.38	33.38	NUM
ejif-4433	241	5	percent	percent	NOUN
ejif-4433	241	6	senior	senior	ADJ
ejif-4433	241	7	bank	bank	NOUN
ejif-4433	241	8	managers	manager	NOUN
ejif-4433	241	9	agreed	agree	VERB
ejif-4433	241	10	with	with	ADP
ejif-4433	241	11	this	this	DET
ejif-4433	241	12	statement	statement	NOUN
ejif-4433	241	13	less	less	ADJ
ejif-4433	241	14	contribution	contribution	NOUN
ejif-4433	241	15	but	but	CCONJ
ejif-4433	241	16	significant	significant	ADJ
ejif-4433	241	17	h2	h2	NOUN
ejif-4433	241	18	:	:	PUNCT
ejif-4433	241	19	cash	cash	NOUN
ejif-4433	241	20	deposit	deposit	NOUN
ejif-4433	241	21	ratios	ratio	NOUN
ejif-4433	241	22	is	be	AUX
ejif-4433	241	23	important	important	ADJ
ejif-4433	241	24	factor	factor	NOUN
ejif-4433	241	25	to	to	PART
ejif-4433	241	26	influence	influence	VERB
ejif-4433	241	27	the	the	DET
ejif-4433	241	28	islamic	islamic	ADJ
ejif-4433	241	29	banks	bank	NOUN
ejif-4433	242	1	profitability	profitability	VERB
ejif-4433	242	2	positive	positive	ADJ
ejif-4433	242	3	and	and	CCONJ
ejif-4433	242	4	sig	sig	NOUN
ejif-4433	242	5	relation	relation	PROPN
ejif-4433	242	6	mansoor	mansoor	PROPN
ejif-4433	242	7	khan	khan	PROPN
ejif-4433	242	8	,	,	PUNCT
ejif-4433	242	9	ishaq	ishaq	PROPN
ejif-4433	242	10	bhatti	bhatti	PROPN
ejif-4433	242	11	,	,	PUNCT
ejif-4433	242	12	and	and	CCONJ
ejif-4433	242	13	siddiqui	siddiqui	NOUN
ejif-4433	242	14	(	(	PUNCT
ejif-4433	242	15	2008	2008	NUM
ejif-4433	242	16	)	)	PUNCT
ejif-4433	242	17	,	,	PUNCT
ejif-4433	242	18	shahchera	shahchera	NOUN
ejif-4433	242	19	(	(	PUNCT
ejif-4433	242	20	2012	2012	NUM
ejif-4433	242	21	)	)	PUNCT
ejif-4433	242	22	66.13	66.13	NUM
ejif-4433	242	23	percent	percent	NOUN
ejif-4433	242	24	senior	senior	ADJ
ejif-4433	242	25	bank	bank	NOUN
ejif-4433	242	26	managers	manager	NOUN
ejif-4433	242	27	agreed	agree	VERB
ejif-4433	242	28	with	with	ADP
ejif-4433	242	29	this	this	DET
ejif-4433	242	30	statement	statement	NOUN
ejif-4433	242	31	positive	positive	ADJ
ejif-4433	242	32	and	and	CCONJ
ejif-4433	242	33	insignificant	insignificant	ADJ
ejif-4433	242	34	h3	h3	NOUN
ejif-4433	242	35	:	:	PUNCT
ejif-4433	242	36	nonperforming	nonperforme	VERB
ejif-4433	242	37	loans	loan	NOUN
ejif-4433	242	38	is	be	AUX
ejif-4433	242	39	important	important	ADJ
ejif-4433	242	40	factor	factor	NOUN
ejif-4433	242	41	to	to	PART
ejif-4433	242	42	influence	influence	VERB
ejif-4433	242	43	islamic	islamic	ADJ
ejif-4433	242	44	banks	bank	NOUN
ejif-4433	242	45	profitability	profitability	NOUN
ejif-4433	242	46	negative	negative	ADJ
ejif-4433	242	47	and	and	CCONJ
ejif-4433	242	48	sig	sig	NOUN
ejif-4433	242	49	relation	relation	NOUN
ejif-4433	242	50	bhattarai	bhattarai	NOUN
ejif-4433	242	51	(	(	PUNCT
ejif-4433	242	52	2016	2016	NUM
ejif-4433	242	53	)	)	PUNCT
ejif-4433	242	54	,	,	PUNCT
ejif-4433	242	55	kiran	kiran	PROPN
ejif-4433	242	56	and	and	CCONJ
ejif-4433	242	57	jones	jones	PROPN
ejif-4433	242	58	(	(	PUNCT
ejif-4433	242	59	2016	2016	NUM
ejif-4433	242	60	)	)	PUNCT
ejif-4433	242	61	,	,	PUNCT
ejif-4433	242	62	lata	lata	NOUN
ejif-4433	242	63	(	(	PUNCT
ejif-4433	242	64	2015	2015	NUM
ejif-4433	242	65	)	)	PUNCT
ejif-4433	242	66	62.88	62.88	NUM
ejif-4433	242	67	percent	percent	NOUN
ejif-4433	242	68	senior	senior	ADJ
ejif-4433	242	69	bank	bank	NOUN
ejif-4433	242	70	managers	manager	NOUN
ejif-4433	242	71	agreed	agree	VERB
ejif-4433	242	72	with	with	ADP
ejif-4433	242	73	this	this	DET
ejif-4433	242	74	statement	statement	NOUN
ejif-4433	242	75	negative	negative	ADJ
ejif-4433	242	76	and	and	CCONJ
ejif-4433	242	77	significant	significant	ADJ
ejif-4433	242	78	h4	h4	NOUN
ejif-4433	242	79	:	:	PUNCT
ejif-4433	242	80	net	net	ADJ
ejif-4433	242	81	gearing	gearing	NOUN
ejif-4433	242	82	ratio	ratio	NOUN
ejif-4433	242	83	is	be	AUX
ejif-4433	242	84	important	important	ADJ
ejif-4433	242	85	factor	factor	NOUN
ejif-4433	242	86	to	to	PART
ejif-4433	242	87	influence	influence	VERB
ejif-4433	242	88	the	the	DET
ejif-4433	242	89	islamic	islamic	ADJ
ejif-4433	242	90	banks	bank	NOUN
ejif-4433	242	91	profitability	profitability	VERB
ejif-4433	242	92	positive	positive	ADJ
ejif-4433	242	93	and	and	CCONJ
ejif-4433	242	94	sig	sig	NOUN
ejif-4433	242	95	relation	relation	NOUN
ejif-4433	242	96	nirajini	nirajini	PROPN
ejif-4433	242	97	and	and	CCONJ
ejif-4433	242	98	priya	priya	PROPN
ejif-4433	242	99	(	(	PUNCT
ejif-4433	242	100	2013	2013	NUM
ejif-4433	242	101	)	)	PUNCT
ejif-4433	242	102	,	,	PUNCT
ejif-4433	242	103	mwangi	mwangi	PROPN
ejif-4433	242	104	,	,	PUNCT
ejif-4433	242	105	et	et	PROPN
ejif-4433	242	106	al	al	PROPN
ejif-4433	242	107	.	.	PROPN
ejif-4433	242	108	,	,	PUNCT
ejif-4433	242	109	(	(	PUNCT
ejif-4433	242	110	2014	2014	NUM
ejif-4433	242	111	)	)	PUNCT
ejif-4433	242	112	,	,	PUNCT
ejif-4433	242	113	sabin	sabin	PROPN
ejif-4433	242	114	&	&	CCONJ
ejif-4433	242	115	miras	miras	PROPN
ejif-4433	242	116	,	,	PUNCT
ejif-4433	242	117	(	(	PUNCT
ejif-4433	242	118	2015	2015	NUM
ejif-4433	242	119	)	)	PUNCT
ejif-4433	242	120	33.75	33.75	NUM
ejif-4433	242	121	percent	percent	NOUN
ejif-4433	242	122	senior	senior	ADJ
ejif-4433	242	123	bank	bank	NOUN
ejif-4433	242	124	managers	manager	NOUN
ejif-4433	242	125	agreed	agree	VERB
ejif-4433	242	126	with	with	ADP
ejif-4433	242	127	this	this	DET
ejif-4433	242	128	statement	statement	NOUN
ejif-4433	242	129	less	less	ADV
ejif-4433	242	130	contributio	contributio	NOUN
ejif-4433	242	131	n	n	NOUN
ejif-4433	242	132	but	but	CCONJ
ejif-4433	242	133	significant	significant	ADJ
ejif-4433	242	134	h5	h5	NOUN
ejif-4433	242	135	:	:	PUNCT
ejif-4433	242	136	asset	asset	NOUN
ejif-4433	242	137	composition	composition	NOUN
ejif-4433	242	138	ratio	ratio	NOUN
ejif-4433	242	139	is	be	AUX
ejif-4433	242	140	important	important	ADJ
ejif-4433	242	141	factor	factor	NOUN
ejif-4433	242	142	to	to	PART
ejif-4433	242	143	influence	influence	VERB
ejif-4433	242	144	the	the	DET
ejif-4433	242	145	islamic	islamic	ADJ
ejif-4433	242	146	banks	bank	NOUN
ejif-4433	242	147	profitability	profitability	VERB
ejif-4433	242	148	positive	positive	ADJ
ejif-4433	242	149	and	and	CCONJ
ejif-4433	242	150	sig	sig	NOUN
ejif-4433	242	151	relation	relation	NOUN
ejif-4433	242	152	burki	burki	PROPN
ejif-4433	242	153	&	&	CCONJ
ejif-4433	242	154	niazi	niazi	PROPN
ejif-4433	242	155	,	,	PUNCT
ejif-4433	242	156	(	(	PUNCT
ejif-4433	242	157	2010	2010	NUM
ejif-4433	242	158	)	)	PUNCT
ejif-4433	242	159	,	,	PUNCT
ejif-4433	242	160	riaz	riaz	PROPN
ejif-4433	242	161	,	,	PUNCT
ejif-4433	242	162	(	(	PUNCT
ejif-4433	242	163	2013	2013	NUM
ejif-4433	242	164	)	)	PUNCT
ejif-4433	242	165	,	,	PUNCT
ejif-4433	242	166	ijaz	ijaz	PROPN
ejif-4433	242	167	et	et	PROPN
ejif-4433	242	168	al	al	PROPN
ejif-4433	242	169	.	.	PROPN
ejif-4433	243	1	(	(	PUNCT
ejif-4433	243	2	2015	2015	NUM
ejif-4433	243	3	)	)	PUNCT
ejif-4433	243	4	44.50	44.50	NUM
ejif-4433	243	5	percent	percent	NOUN
ejif-4433	243	6	senior	senior	ADJ
ejif-4433	243	7	bank	bank	NOUN
ejif-4433	243	8	managers	manager	NOUN
ejif-4433	243	9	agreed	agree	VERB
ejif-4433	243	10	with	with	ADP
ejif-4433	243	11	this	this	DET
ejif-4433	243	12	statement	statement	NOUN
ejif-4433	243	13	positive	positive	ADJ
ejif-4433	243	14	and	and	CCONJ
ejif-4433	243	15	significant	significant	ADJ
ejif-4433	243	16	h6	h6	NOUN
ejif-4433	243	17	:	:	PUNCT
ejif-4433	243	18	competitive	competitive	ADJ
ejif-4433	243	19	advantage	advantage	NOUN
ejif-4433	243	20	positively	positively	ADV
ejif-4433	243	21	influence	influence	VERB
ejif-4433	243	22	the	the	DET
ejif-4433	243	23	profitability	profitability	NOUN
ejif-4433	243	24	of	of	ADP
ejif-4433	243	25	islamic	islamic	ADJ
ejif-4433	243	26	banking	banking	NOUN
ejif-4433	243	27	sector	sector	NOUN
ejif-4433	243	28	positive	positive	ADJ
ejif-4433	243	29	and	and	CCONJ
ejif-4433	243	30	sig	sig	NOUN
ejif-4433	243	31	relation	relation	NOUN
ejif-4433	243	32	heikal	heikal	NOUN
ejif-4433	243	33	,	,	PUNCT
ejif-4433	243	34	malikussaleh	malikussaleh	NOUN
ejif-4433	243	35	,	,	PUNCT
ejif-4433	243	36	khaddafi	khaddafi	PROPN
ejif-4433	243	37	&	&	CCONJ
ejif-4433	243	38	malikussaleh	malikussaleh	PROPN
ejif-4433	243	39	,	,	PUNCT
ejif-4433	243	40	(	(	PUNCT
ejif-4433	243	41	2016	2016	NUM
ejif-4433	243	42	)	)	PUNCT
ejif-4433	243	43	;	;	PUNCT
ejif-4433	243	44	healy	healy	PROPN
ejif-4433	243	45	,	,	PUNCT
ejif-4433	243	46	serafeim	serafeim	PROPN
ejif-4433	243	47	,	,	PUNCT
ejif-4433	243	48	srinivasan	srinivasan	PROPN
ejif-4433	243	49	&	&	CCONJ
ejif-4433	243	50	yu	yu	PROPN
ejif-4433	243	51	,	,	PUNCT
ejif-4433	243	52	(	(	PUNCT
ejif-4433	243	53	2014	2014	NUM
ejif-4433	243	54	)	)	PUNCT
ejif-4433	243	55	61.30	61.30	NUM
ejif-4433	243	56	percent	percent	NOUN
ejif-4433	243	57	senior	senior	ADJ
ejif-4433	243	58	bank	bank	NOUN
ejif-4433	243	59	managers	manager	NOUN
ejif-4433	243	60	agreed	agree	VERB
ejif-4433	243	61	with	with	ADP
ejif-4433	243	62	this	this	DET
ejif-4433	243	63	statement	statement	NOUN
ejif-4433	243	64	positive	positive	ADJ
ejif-4433	243	65	and	and	CCONJ
ejif-4433	243	66	significant	significant	ADJ
ejif-4433	243	67	h7	h7	NOUN
ejif-4433	243	68	:	:	PUNCT
ejif-4433	243	69	service	service	NOUN
ejif-4433	243	70	quality	quality	NOUN
ejif-4433	243	71	positively	positively	ADV
ejif-4433	243	72	influence	influence	VERB
ejif-4433	243	73	the	the	DET
ejif-4433	243	74	profitability	profitability	NOUN
ejif-4433	243	75	of	of	ADP
ejif-4433	243	76	islamic	islamic	ADJ
ejif-4433	243	77	banking	banking	NOUN
ejif-4433	243	78	sector	sector	NOUN
ejif-4433	243	79	positive	positive	ADJ
ejif-4433	243	80	and	and	CCONJ
ejif-4433	243	81	sig	sig	NOUN
ejif-4433	243	82	relation	relation	NOUN
ejif-4433	243	83	wijetunge	wijetunge	NOUN
ejif-4433	243	84	,	,	PUNCT
ejif-4433	243	85	(	(	PUNCT
ejif-4433	243	86	2016	2016	NUM
ejif-4433	243	87	)	)	PUNCT
ejif-4433	243	88	;	;	PUNCT
ejif-4433	243	89	warde	warde	X
ejif-4433	243	90	,	,	PUNCT
ejif-4433	243	91	(	(	PUNCT
ejif-4433	243	92	2010	2010	NUM
ejif-4433	243	93	)	)	PUNCT
ejif-4433	243	94	;	;	PUNCT
ejif-4433	243	95	altamimi	altamimi	X
ejif-4433	243	96	(	(	PUNCT
ejif-4433	243	97	2010	2010	NUM
ejif-4433	243	98	)	)	PUNCT
ejif-4433	243	99	;	;	PUNCT
ejif-4433	243	100	khan	khan	PROPN
ejif-4433	243	101	and	and	CCONJ
ejif-4433	243	102	fasih	fasih	PROPN
ejif-4433	243	103	(	(	PUNCT
ejif-4433	243	104	2014	2014	NUM
ejif-4433	243	105	)	)	PUNCT
ejif-4433	243	106	88.75	88.75	NUM
ejif-4433	243	107	percent	percent	NOUN
ejif-4433	243	108	senior	senior	ADJ
ejif-4433	243	109	bank	bank	NOUN
ejif-4433	243	110	managers	manager	NOUN
ejif-4433	243	111	agreed	agree	VERB
ejif-4433	243	112	with	with	ADP
ejif-4433	243	113	this	this	DET
ejif-4433	243	114	statement	statement	NOUN
ejif-4433	243	115	positive	positive	ADJ
ejif-4433	243	116	and	and	CCONJ
ejif-4433	243	117	significant	significant	ADJ
ejif-4433	243	118	h8	h8	NOUN
ejif-4433	243	119	:	:	PUNCT
ejif-4433	243	120	religious	religious	ADJ
ejif-4433	243	121	obligation	obligation	NOUN
ejif-4433	243	122	positively	positively	ADV
ejif-4433	243	123	influence	influence	VERB
ejif-4433	243	124	the	the	DET
ejif-4433	243	125	profitability	profitability	NOUN
ejif-4433	243	126	of	of	ADP
ejif-4433	243	127	islamic	islamic	ADJ
ejif-4433	243	128	banking	banking	NOUN
ejif-4433	243	129	sector	sector	NOUN
ejif-4433	243	130	positive	positive	ADJ
ejif-4433	243	131	and	and	CCONJ
ejif-4433	243	132	sig	sig	NOUN
ejif-4433	243	133	relation	relation	NOUN
ejif-4433	243	134	yusoff	yusoff	NOUN
ejif-4433	243	135	and	and	CCONJ
ejif-4433	243	136	azurah	azurah	PROPN
ejif-4433	243	137	,	,	PUNCT
ejif-4433	243	138	(	(	PUNCT
ejif-4433	243	139	2014	2014	NUM
ejif-4433	243	140	)	)	PUNCT
ejif-4433	243	141	;	;	PUNCT
ejif-4433	243	142	awan	awan	PROPN
ejif-4433	243	143	and	and	CCONJ
ejif-4433	243	144	azhar	azhar	PROPN
ejif-4433	243	145	(	(	PUNCT
ejif-4433	243	146	2014	2014	NUM
ejif-4433	243	147	)	)	PUNCT
ejif-4433	243	148	87.34	87.34	NUM
ejif-4433	243	149	percent	percent	NOUN
ejif-4433	243	150	senior	senior	ADJ
ejif-4433	243	151	bank	bank	NOUN
ejif-4433	243	152	managers	manager	NOUN
ejif-4433	243	153	agreed	agree	VERB
ejif-4433	243	154	with	with	ADP
ejif-4433	243	155	this	this	DET
ejif-4433	243	156	statement	statement	NOUN
ejif-4433	243	157	positive	positive	ADJ
ejif-4433	243	158	and	and	CCONJ
ejif-4433	243	159	significant	significant	ADJ
ejif-4433	243	160	iii	iii	NOUN
ejif-4433	243	161	.	.	PUNCT
ejif-4433	244	1	conclusion	conclusion	NOUN
ejif-4433	244	2	banking	banking	NOUN
ejif-4433	244	3	system	system	NOUN
ejif-4433	244	4	is	be	AUX
ejif-4433	244	5	essential	essential	ADJ
ejif-4433	244	6	for	for	ADP
ejif-4433	244	7	the	the	DET
ejif-4433	244	8	growth	growth	NOUN
ejif-4433	244	9	and	and	CCONJ
ejif-4433	244	10	development	development	NOUN
ejif-4433	244	11	of	of	ADP
ejif-4433	244	12	any	any	DET
ejif-4433	244	13	economy	economy	NOUN
ejif-4433	244	14	.	.	PUNCT
ejif-4433	245	1	islamic	islamic	ADJ
ejif-4433	245	2	banks	bank	NOUN
ejif-4433	245	3	are	be	AUX
ejif-4433	245	4	an	an	DET
ejif-4433	245	5	important	important	ADJ
ejif-4433	245	6	part	part	NOUN
ejif-4433	245	7	of	of	ADP
ejif-4433	245	8	the	the	DET
ejif-4433	245	9	banking	banking	NOUN
ejif-4433	245	10	industry	industry	NOUN
ejif-4433	245	11	.	.	PUNCT
ejif-4433	246	1	islamic	islamic	ADJ
ejif-4433	246	2	banks	bank	NOUN
ejif-4433	246	3	follow	follow	VERB
ejif-4433	246	4	the	the	DET
ejif-4433	246	5	teaching	teaching	NOUN
ejif-4433	246	6	of	of	ADP
ejif-4433	246	7	islamic	islamic	PROPN
ejif-4433	246	8	sharia	sharia	PROPN
ejif-4433	246	9	in	in	ADP
ejif-4433	246	10	their	their	PRON
ejif-4433	246	11	operations	operation	NOUN
ejif-4433	246	12	and	and	CCONJ
ejif-4433	246	13	practices	practice	NOUN
ejif-4433	246	14	.	.	PUNCT
ejif-4433	247	1	the	the	DET
ejif-4433	247	2	interest	interest	NOUN
ejif-4433	247	3	free	free	ADJ
ejif-4433	247	4	banks	bank	NOUN
ejif-4433	247	5	’	'	PUNCT
ejif-4433	247	6	earnings	earning	NOUN
ejif-4433	247	7	are	be	AUX
ejif-4433	247	8	not	not	PART
ejif-4433	247	9	dependent	dependent	ADJ
ejif-4433	247	10	on	on	ADP
ejif-4433	247	11	any	any	DET
ejif-4433	247	12	kind	kind	NOUN
ejif-4433	247	13	of	of	ADP
ejif-4433	247	14	interest	interest	NOUN
ejif-4433	247	15	;	;	PUNCT
ejif-4433	247	16	instead	instead	ADV
ejif-4433	247	17	they	they	PRON
ejif-4433	247	18	largely	largely	ADV
ejif-4433	247	19	depend	depend	VERB
ejif-4433	247	20	on	on	ADP
ejif-4433	247	21	the	the	DET
ejif-4433	247	22	liquidity	liquidity	NOUN
ejif-4433	247	23	for	for	ADP
ejif-4433	247	24	their	their	PRON
ejif-4433	247	25	survival	survival	NOUN
ejif-4433	247	26	and	and	CCONJ
ejif-4433	247	27	capital	capital	NOUN
ejif-4433	247	28	enlargements	enlargement	NOUN
ejif-4433	247	29	.	.	PUNCT
ejif-4433	248	1	this	this	DET
ejif-4433	248	2	study	study	NOUN
ejif-4433	248	3	aims	aim	VERB
ejif-4433	248	4	to	to	PART
ejif-4433	248	5	trace	trace	VERB
ejif-4433	248	6	the	the	DET
ejif-4433	248	7	reasons	reason	NOUN
ejif-4433	248	8	behind	behind	ADP
ejif-4433	248	9	enlargement	enlargement	NOUN
ejif-4433	248	10	or	or	CCONJ
ejif-4433	248	11	shrinkage	shrinkage	NOUN
ejif-4433	248	12	of	of	ADP
ejif-4433	248	13	financial	financial	ADJ
ejif-4433	248	14	performance	performance	NOUN
ejif-4433	248	15	of	of	ADP
ejif-4433	248	16	islamic	islamic	ADJ
ejif-4433	248	17	banks	bank	NOUN
ejif-4433	248	18	.	.	PUNCT
ejif-4433	249	1	in	in	ADP
ejif-4433	249	2	a	a	DET
ejif-4433	249	3	nutshell	nutshell	NOUN
ejif-4433	249	4	,	,	PUNCT
ejif-4433	249	5	the	the	DET
ejif-4433	249	6	aim	aim	NOUN
ejif-4433	249	7	of	of	ADP
ejif-4433	249	8	study	study	NOUN
ejif-4433	249	9	was	be	AUX
ejif-4433	249	10	to	to	PART
ejif-4433	249	11	identify	identify	VERB
ejif-4433	249	12	the	the	DET
ejif-4433	249	13	reason	reason	NOUN
ejif-4433	249	14	behind	behind	ADP
ejif-4433	249	15	decline	decline	NOUN
ejif-4433	249	16	in	in	ADP
ejif-4433	249	17	the	the	DET
ejif-4433	249	18	profitability	profitability	NOUN
ejif-4433	249	19	of	of	ADP
ejif-4433	249	20	islamic	islamic	ADJ
ejif-4433	249	21	banking	banking	NOUN
ejif-4433	249	22	sector	sector	NOUN
ejif-4433	249	23	in	in	ADP
ejif-4433	249	24	pakistan	pakistan	PROPN
ejif-4433	249	25	.	.	PUNCT
ejif-4433	250	1	conclusively	conclusively	ADV
ejif-4433	250	2	finding	finding	NOUN
ejif-4433	250	3	reveals	reveal	VERB
ejif-4433	250	4	that	that	SCONJ
ejif-4433	250	5	internal	internal	ADJ
ejif-4433	250	6	/	/	SYM
ejif-4433	250	7	bank	bank	NOUN
ejif-4433	250	8	specific	specific	ADJ
ejif-4433	250	9	,	,	PUNCT
ejif-4433	250	10	environment	environment	NOUN
ejif-4433	250	11	specific	specific	ADJ
ejif-4433	250	12	/	/	SYM
ejif-4433	250	13	external	external	ADJ
ejif-4433	250	14	factors	factor	NOUN
ejif-4433	250	15	have	have	VERB
ejif-4433	250	16	significant	significant	ADJ
ejif-4433	250	17	and	and	CCONJ
ejif-4433	250	18	positive	positive	ADJ
ejif-4433	250	19	impact	impact	NOUN
ejif-4433	250	20	on	on	ADP
ejif-4433	250	21	islamic	islamic	PROPN
ejif-4433	250	22	bank	bank	PROPN
ejif-4433	250	23	’s	’s	PART
ejif-4433	250	24	profitability	profitability	NOUN
ejif-4433	250	25	.	.	PUNCT
ejif-4433	251	1	overall	overall	ADJ
ejif-4433	251	2	study	study	NOUN
ejif-4433	251	3	found	find	VERB
ejif-4433	251	4	that	that	SCONJ
ejif-4433	251	5	islamic	islamic	ADJ
ejif-4433	251	6	banks	bank	NOUN
ejif-4433	251	7	try	try	VERB
ejif-4433	251	8	to	to	PART
ejif-4433	251	9	balance	balance	VERB
ejif-4433	251	10	the	the	DET
ejif-4433	251	11	internal	internal	ADJ
ejif-4433	251	12	and	and	CCONJ
ejif-4433	251	13	external	external	ADJ
ejif-4433	251	14	factors	factor	NOUN
ejif-4433	251	15	in	in	ADP
ejif-4433	251	16	order	order	NOUN
ejif-4433	251	17	to	to	PART
ejif-4433	251	18	prevent	prevent	VERB
ejif-4433	251	19	themselves	themselves	PRON
ejif-4433	251	20	from	from	ADP
ejif-4433	251	21	bankruptcy	bankruptcy	NOUN
ejif-4433	251	22	and	and	CCONJ
ejif-4433	251	23	to	to	PART
ejif-4433	251	24	perform	perform	VERB
ejif-4433	251	25	smooth	smooth	ADJ
ejif-4433	251	26	operations	operation	NOUN
ejif-4433	251	27	.	.	PUNCT
ejif-4433	252	1	these	these	DET
ejif-4433	252	2	results	result	NOUN
ejif-4433	252	3	highlighted	highlight	VERB
ejif-4433	252	4	important	important	ADJ
ejif-4433	252	5	issues	issue	NOUN
ejif-4433	252	6	faced	face	VERB
ejif-4433	252	7	by	by	ADP
ejif-4433	252	8	islamic	islamic	ADJ
ejif-4433	252	9	banks	bank	NOUN
ejif-4433	252	10	nowadays	nowadays	ADV
ejif-4433	252	11	in	in	ADP
ejif-4433	252	12	order	order	NOUN
ejif-4433	252	13	to	to	PART
ejif-4433	252	14	maintain	maintain	VERB
ejif-4433	252	15	their	their	PRON
ejif-4433	252	16	good	good	ADJ
ejif-4433	252	17	profitability	profitability	NOUN
ejif-4433	252	18	level	level	NOUN
ejif-4433	252	19	.	.	PUNCT
ejif-4433	253	1	the	the	DET
ejif-4433	253	2	study	study	NOUN
ejif-4433	253	3	found	find	VERB
ejif-4433	253	4	that	that	SCONJ
ejif-4433	253	5	islamic	islamic	ADJ
ejif-4433	253	6	banks	bank	NOUN
ejif-4433	253	7	can	can	AUX
ejif-4433	253	8	not	not	PART
ejif-4433	253	9	achieve	achieve	VERB
ejif-4433	253	10	expected	expect	VERB
ejif-4433	253	11	profits	profit	NOUN
ejif-4433	253	12	enlargements	enlargement	NOUN
ejif-4433	253	13	without	without	ADP
ejif-4433	253	14	confirmation	confirmation	NOUN
ejif-4433	253	15	of	of	ADP
ejif-4433	253	16	its	its	PRON
ejif-4433	253	17	proper	proper	ADJ
ejif-4433	253	18	bank	bank	NOUN
ejif-4433	253	19	specific	specific	ADJ
ejif-4433	253	20	/	/	SYM
ejif-4433	253	21	liquid	liquid	ADJ
ejif-4433	253	22	asset	asset	NOUN
ejif-4433	253	23	(	(	PUNCT
ejif-4433	253	24	liquidity	liquidity	NOUN
ejif-4433	253	25	level	level	NOUN
ejif-4433	253	26	not	not	PART
ejif-4433	253	27	too	too	ADV
ejif-4433	253	28	high	high	ADJ
ejif-4433	253	29	,	,	PUNCT
ejif-4433	253	30	nor	nor	CCONJ
ejif-4433	253	31	too	too	ADV
ejif-4433	253	32	low	low	ADJ
ejif-4433	253	33	)	)	PUNCT
ejif-4433	253	34	.	.	PUNCT
ejif-4433	254	1	according	accord	VERB
ejif-4433	254	2	to	to	ADP
ejif-4433	254	3	statistics	statistic	NOUN
ejif-4433	254	4	there	there	PRON
ejif-4433	254	5	is	be	VERB
ejif-4433	254	6	increasing	increase	VERB
ejif-4433	254	7	trend	trend	NOUN
ejif-4433	254	8	found	find	VERB
ejif-4433	254	9	in	in	ADP
ejif-4433	254	10	nonperforming	nonperforme	VERB
ejif-4433	254	11	loans	loan	NOUN
ejif-4433	254	12	of	of	ADP
ejif-4433	254	13	islamic	islamic	ADJ
ejif-4433	254	14	banks	bank	NOUN
ejif-4433	254	15	which	which	PRON
ejif-4433	254	16	is	be	AUX
ejif-4433	254	17	alarming	alarming	ADJ
ejif-4433	254	18	situation	situation	NOUN
ejif-4433	254	19	for	for	ADP
ejif-4433	254	20	pakistani	pakistani	ADJ
ejif-4433	254	21	islamic	islamic	ADJ
ejif-4433	254	22	banks	bank	NOUN
ejif-4433	254	23	.	.	PUNCT
ejif-4433	255	1	results	result	NOUN
ejif-4433	255	2	of	of	ADP
ejif-4433	255	3	study	study	NOUN
ejif-4433	255	4	are	be	AUX
ejif-4433	255	5	helpful	helpful	ADJ
ejif-4433	255	6	for	for	ADP
ejif-4433	255	7	practitioners	practitioner	NOUN
ejif-4433	255	8	and	and	CCONJ
ejif-4433	255	9	policy	policy	NOUN
ejif-4433	255	10	makers	maker	NOUN
ejif-4433	255	11	to	to	PART
ejif-4433	255	12	understand	understand	VERB
ejif-4433	255	13	the	the	DET
ejif-4433	255	14	customer	customer	NOUN
ejif-4433	255	15	needs	need	NOUN
ejif-4433	255	16	of	of	ADP
ejif-4433	255	17	islamic	islamic	ADJ
ejif-4433	255	18	product	product	NOUN
ejif-4433	255	19	who	who	PRON
ejif-4433	255	20	follow	follow	VERB
ejif-4433	255	21	the	the	DET
ejif-4433	255	22	religious	religious	ADJ
ejif-4433	255	23	obligation	obligation	NOUN
ejif-4433	255	24	and	and	CCONJ
ejif-4433	255	25	customer	customer	NOUN
ejif-4433	255	26	sentiments	sentiment	NOUN
ejif-4433	255	27	.	.	PUNCT
ejif-4433	256	1	awareness	awareness	NOUN
ejif-4433	256	2	of	of	ADP
ejif-4433	256	3	islamic	islamic	ADJ
ejif-4433	256	4	product	product	NOUN
ejif-4433	256	5	is	be	AUX
ejif-4433	256	6	also	also	ADV
ejif-4433	256	7	very	very	ADV
ejif-4433	256	8	important	important	ADJ
ejif-4433	256	9	factor	factor	NOUN
ejif-4433	256	10	as	as	SCONJ
ejif-4433	256	11	it	it	PRON
ejif-4433	256	12	is	be	AUX
ejif-4433	256	13	very	very	ADV
ejif-4433	256	14	important	important	ADJ
ejif-4433	256	15	for	for	SCONJ
ejif-4433	256	16	high	high	ADJ
ejif-4433	256	17	religious	religious	ADJ
ejif-4433	256	18	sentiments	sentiment	NOUN
ejif-4433	256	19	customer	customer	NOUN
ejif-4433	256	20	to	to	PART
ejif-4433	256	21	understand	understand	VERB
ejif-4433	256	22	that	that	SCONJ
ejif-4433	256	23	offered	offer	VERB
ejif-4433	256	24	islamic	islamic	ADJ
ejif-4433	256	25	product	product	NOUN
ejif-4433	256	26	is	be	AUX
ejif-4433	256	27	not	not	PART
ejif-4433	256	28	fake	fake	ADJ
ejif-4433	256	29	.	.	PUNCT
ejif-4433	257	1	the	the	DET
ejif-4433	257	2	major	major	ADJ
ejif-4433	257	3	reason	reason	NOUN
ejif-4433	257	4	of	of	ADP
ejif-4433	257	5	profitability	profitability	NOUN
ejif-4433	257	6	decline	decline	NOUN
ejif-4433	257	7	identified	identify	VERB
ejif-4433	257	8	by	by	ADP
ejif-4433	257	9	this	this	DET
ejif-4433	257	10	study	study	NOUN
ejif-4433	257	11	is	be	AUX
ejif-4433	257	12	“	"	PUNCT
ejif-4433	257	13	non	non	ADJ
ejif-4433	257	14	-	-	ADJ
ejif-4433	257	15	performing	performing	ADJ
ejif-4433	257	16	loans	loan	NOUN
ejif-4433	257	17	”	"	PUNCT
ejif-4433	257	18	.	.	PUNCT
ejif-4433	258	1	banks	bank	NOUN
ejif-4433	258	2	should	should	AUX
ejif-4433	258	3	develop	develop	VERB
ejif-4433	258	4	specific	specific	ADJ
ejif-4433	258	5	techniques	technique	NOUN
ejif-4433	258	6	and	and	CCONJ
ejif-4433	258	7	tools	tool	NOUN
ejif-4433	258	8	to	to	PART
ejif-4433	258	9	differentiate	differentiate	VERB
ejif-4433	258	10	genuine	genuine	ADJ
ejif-4433	258	11	and	and	CCONJ
ejif-4433	258	12	willful	willful	ADJ
ejif-4433	258	13	defaulters	defaulter	NOUN
ejif-4433	258	14	.	.	PUNCT
ejif-4433	259	1	banks	bank	NOUN
ejif-4433	259	2	must	must	AUX
ejif-4433	259	3	take	take	VERB
ejif-4433	259	4	first	first	ADJ
ejif-4433	259	5	step	step	NOUN
ejif-4433	259	6	of	of	ADP
ejif-4433	259	7	“	"	PUNCT
ejif-4433	259	8	client	client	NOUN
ejif-4433	259	9	profiling	profiling	NOUN
ejif-4433	259	10	”	"	PUNCT
ejif-4433	259	11	to	to	PART
ejif-4433	259	12	improve	improve	VERB
ejif-4433	259	13	the	the	DET
ejif-4433	259	14	nonperforming	nonperforme	VERB
ejif-4433	259	15	loans	loan	NOUN
ejif-4433	259	16	management	management	NOUN
ejif-4433	259	17	.	.	PUNCT
ejif-4433	260	1	recommendations	recommendation	NOUN
ejif-4433	260	2	and	and	CCONJ
ejif-4433	260	3	future	future	ADJ
ejif-4433	260	4	suggestions	suggestion	NOUN
ejif-4433	260	5	of	of	ADP
ejif-4433	260	6	study	study	NOUN
ejif-4433	260	7	:	:	PUNCT
ejif-4433	260	8	as	as	ADP
ejif-4433	260	9	per	per	ADP
ejif-4433	260	10	this	this	DET
ejif-4433	260	11	study	study	NOUN
ejif-4433	260	12	results	result	NOUN
ejif-4433	260	13	and	and	CCONJ
ejif-4433	260	14	state	state	NOUN
ejif-4433	260	15	bank	bank	PROPN
ejif-4433	260	16	of	of	ADP
ejif-4433	260	17	pakistan	pakistan	PROPN
ejif-4433	260	18	(	(	PUNCT
ejif-4433	260	19	sbp	sbp	NOUN
ejif-4433	260	20	)	)	PUNCT
ejif-4433	260	21	report	report	NOUN
ejif-4433	260	22	of	of	ADP
ejif-4433	260	23	september	september	PROPN
ejif-4433	260	24	,	,	PUNCT
ejif-4433	260	25	2019	2019	NUM
ejif-4433	260	26	,	,	PUNCT
ejif-4433	260	27	islamic	islamic	ADJ
ejif-4433	260	28	banks	bank	NOUN
ejif-4433	260	29	deposits	deposit	NOUN
ejif-4433	260	30	dropped	drop	VERB
ejif-4433	260	31	rs	rs	PROPN
ejif-4433	260	32	8	8	NUM
ejif-4433	260	33	billion	billion	NUM
ejif-4433	260	34	in	in	ADP
ejif-4433	260	35	three	three	NUM
ejif-4433	260	36	months	month	NOUN
ejif-4433	260	37	.	.	PUNCT
ejif-4433	261	1	the	the	DET
ejif-4433	261	2	reports	report	NOUN
ejif-4433	261	3	shows	show	VERB
ejif-4433	261	4	that	that	SCONJ
ejif-4433	261	5	islamic	islamic	PROPN
ejif-4433	261	6	bank	bank	PROPN
ejif-4433	261	7	deposits	deposit	NOUN
ejif-4433	261	8	were	be	AUX
ejif-4433	261	9	rs	rs	ADJ
ejif-4433	261	10	ejif	ejif	PROPN
ejif-4433	261	11	–	–	PUNCT
ejif-4433	261	12	european	european	PROPN
ejif-4433	261	13	journal	journal	PROPN
ejif-4433	261	14	of	of	ADP
ejif-4433	261	15	islamic	islamic	PROPN
ejif-4433	261	16	finance	finance	PROPN
ejif-4433	261	17	no15	no15	PROPN
ejif-4433	261	18	,	,	PUNCT
ejif-4433	261	19	august	august	PROPN
ejif-4433	261	20	(	(	PUNCT
ejif-4433	261	21	2020	2020	NUM
ejif-4433	261	22	)	)	PUNCT
ejif-4433	262	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	262	2	issn	issn	VERB
ejif-4433	262	3	2421	2421	NUM
ejif-4433	262	4	-	-	SYM
ejif-4433	262	5	2172	2172	NUM
ejif-4433	262	6	11	11	NUM
ejif-4433	262	7	2,407	2,407	NUM
ejif-4433	262	8	billion	billion	NUM
ejif-4433	262	9	in	in	ADP
ejif-4433	262	10	month	month	NOUN
ejif-4433	262	11	of	of	ADP
ejif-4433	262	12	september	september	PROPN
ejif-4433	262	13	,	,	PUNCT
ejif-4433	262	14	as	as	SCONJ
ejif-4433	262	15	compare	compare	VERB
ejif-4433	262	16	to	to	ADP
ejif-4433	262	17	rs	rs	NOUN
ejif-4433	262	18	2,415	2,415	NUM
ejif-4433	262	19	billion	billion	NUM
ejif-4433	262	20	in	in	ADP
ejif-4433	262	21	month	month	NOUN
ejif-4433	262	22	of	of	ADP
ejif-4433	262	23	june	june	PROPN
ejif-4433	262	24	,	,	PUNCT
ejif-4433	262	25	2019	2019	NUM
ejif-4433	262	26	5	5	NUM
ejif-4433	262	27	.	.	PUNCT
ejif-4433	263	1	according	accord	VERB
ejif-4433	263	2	to	to	ADP
ejif-4433	263	3	senior	senior	ADJ
ejif-4433	263	4	managers	manager	NOUN
ejif-4433	263	5	of	of	ADP
ejif-4433	263	6	islamic	islamic	ADJ
ejif-4433	263	7	banks	bank	NOUN
ejif-4433	263	8	,	,	PUNCT
ejif-4433	263	9	ib	ib	PROPN
ejif-4433	263	10	’s	’s	PART
ejif-4433	263	11	liquidity	liquidity	NOUN
ejif-4433	263	12	is	be	AUX
ejif-4433	263	13	spilling	spill	VERB
ejif-4433	263	14	over	over	ADP
ejif-4433	263	15	since	since	SCONJ
ejif-4433	263	16	existing	exist	VERB
ejif-4433	263	17	rules	rule	NOUN
ejif-4433	263	18	and	and	CCONJ
ejif-4433	263	19	regulations	regulation	NOUN
ejif-4433	263	20	does	do	AUX
ejif-4433	263	21	not	not	PART
ejif-4433	263	22	allow	allow	VERB
ejif-4433	263	23	the	the	DET
ejif-4433	263	24	bank	bank	NOUN
ejif-4433	263	25	to	to	PART
ejif-4433	263	26	lend	lend	VERB
ejif-4433	263	27	money	money	NOUN
ejif-4433	263	28	to	to	ADP
ejif-4433	263	29	agriculturists	agriculturist	NOUN
ejif-4433	263	30	,	,	PUNCT
ejif-4433	263	31	industries	industry	NOUN
ejif-4433	263	32	and	and	CCONJ
ejif-4433	263	33	other	other	ADJ
ejif-4433	263	34	private	private	ADJ
ejif-4433	263	35	sector	sector	NOUN
ejif-4433	263	36	.	.	PUNCT
ejif-4433	264	1	there	there	PRON
ejif-4433	264	2	is	be	VERB
ejif-4433	264	3	need	need	NOUN
ejif-4433	264	4	to	to	PART
ejif-4433	264	5	revise	revise	VERB
ejif-4433	264	6	the	the	DET
ejif-4433	264	7	policies	policy	NOUN
ejif-4433	264	8	of	of	ADP
ejif-4433	264	9	islamic	islamic	ADJ
ejif-4433	264	10	banks	bank	NOUN
ejif-4433	264	11	and	and	CCONJ
ejif-4433	264	12	minimize	minimize	VERB
ejif-4433	264	13	the	the	DET
ejif-4433	264	14	unnecessary	unnecessary	ADJ
ejif-4433	264	15	over	over	ADP
ejif-4433	264	16	regulations	regulation	NOUN
ejif-4433	264	17	imposed	impose	VERB
ejif-4433	264	18	by	by	ADP
ejif-4433	264	19	sbp	sbp	PROPN
ejif-4433	264	20	.	.	PUNCT
ejif-4433	265	1	according	accord	VERB
ejif-4433	265	2	to	to	ADP
ejif-4433	265	3	senior	senior	ADJ
ejif-4433	265	4	manager	manager	NOUN
ejif-4433	265	5	of	of	ADP
ejif-4433	265	6	bank	bank	PROPN
ejif-4433	265	7	islami	islami	PROPN
ejif-4433	265	8	pakistan	pakistan	PROPN
ejif-4433	265	9	,	,	PUNCT
ejif-4433	265	10	“	"	PUNCT
ejif-4433	265	11	we	we	PRON
ejif-4433	265	12	are	be	AUX
ejif-4433	265	13	having	have	VERB
ejif-4433	265	14	rs	rs	ADP
ejif-4433	265	15	600	600	NUM
ejif-4433	265	16	billion	billion	NUM
ejif-4433	265	17	in	in	ADP
ejif-4433	265	18	surpluses	surplus	NOUN
ejif-4433	265	19	,	,	PUNCT
ejif-4433	265	20	but	but	CCONJ
ejif-4433	265	21	we	we	PRON
ejif-4433	265	22	can	can	AUX
ejif-4433	265	23	not	not	PART
ejif-4433	265	24	use	use	VERB
ejif-4433	265	25	it	it	PRON
ejif-4433	265	26	to	to	PART
ejif-4433	265	27	finance	finance	VERB
ejif-4433	265	28	the	the	DET
ejif-4433	265	29	private	private	ADJ
ejif-4433	265	30	sector	sector	NOUN
ejif-4433	265	31	due	due	ADP
ejif-4433	265	32	to	to	ADP
ejif-4433	265	33	limited	limited	ADJ
ejif-4433	265	34	sharia	sharia	PROPN
ejif-4433	265	35	compliant	compliant	ADJ
ejif-4433	265	36	products	product	NOUN
ejif-4433	265	37	.	.	PUNCT
ejif-4433	266	1	we	we	PRON
ejif-4433	266	2	are	be	AUX
ejif-4433	266	3	unable	unable	ADJ
ejif-4433	266	4	to	to	PART
ejif-4433	266	5	disperse	disperse	VERB
ejif-4433	266	6	the	the	DET
ejif-4433	266	7	surplus	surplus	NOUN
ejif-4433	266	8	amount	amount	NOUN
ejif-4433	266	9	;	;	PUNCT
ejif-4433	266	10	there	there	PRON
ejif-4433	266	11	is	be	VERB
ejif-4433	266	12	dire	dire	ADJ
ejif-4433	266	13	need	need	NOUN
ejif-4433	266	14	for	for	ADP
ejif-4433	266	15	new	new	ADJ
ejif-4433	266	16	innovative	innovative	ADJ
ejif-4433	266	17	financial	financial	ADJ
ejif-4433	266	18	regulation	regulation	NOUN
ejif-4433	266	19	and	and	CCONJ
ejif-4433	266	20	product	product	NOUN
ejif-4433	266	21	diversification	diversification	NOUN
ejif-4433	266	22	in	in	ADP
ejif-4433	266	23	islamic	islamic	ADJ
ejif-4433	266	24	banking	banking	NOUN
ejif-4433	266	25	sector	sector	NOUN
ejif-4433	266	26	”	"	PUNCT
ejif-4433	266	27	.	.	PUNCT
ejif-4433	267	1	islamic	islamic	ADJ
ejif-4433	267	2	banks	bank	NOUN
ejif-4433	267	3	should	should	AUX
ejif-4433	267	4	focus	focus	VERB
ejif-4433	267	5	on	on	ADP
ejif-4433	267	6	products	product	NOUN
ejif-4433	267	7	which	which	PRON
ejif-4433	267	8	are	be	AUX
ejif-4433	267	9	already	already	ADV
ejif-4433	267	10	sharia	sharia	PROPN
ejif-4433	267	11	compliant	compliant	NOUN
ejif-4433	267	12	such	such	ADJ
ejif-4433	267	13	as	as	ADP
ejif-4433	267	14	islamic	islamic	ADJ
ejif-4433	267	15	mortgages	mortgage	NOUN
ejif-4433	267	16	.	.	PUNCT
ejif-4433	268	1	as	as	SCONJ
ejif-4433	268	2	stated	state	VERB
ejif-4433	268	3	by	by	ADP
ejif-4433	268	4	“	"	PUNCT
ejif-4433	268	5	ahmed	ahmed	PROPN
ejif-4433	268	6	siddiqui	siddiqui	PROPN
ejif-4433	268	7	”	"	PUNCT
ejif-4433	268	8	,	,	PUNCT
ejif-4433	268	9	head	head	NOUN
ejif-4433	268	10	of	of	ADP
ejif-4433	268	11	product	product	NOUN
ejif-4433	268	12	development	development	NOUN
ejif-4433	268	13	and	and	CCONJ
ejif-4433	268	14	shariah	shariah	PROPN
ejif-4433	268	15	compliance	compliance	NOUN
ejif-4433	268	16	at	at	ADP
ejif-4433	268	17	meezan	meezan	PROPN
ejif-4433	268	18	bank	bank	PROPN
ejif-4433	268	19	ltd	ltd	PROPN
ejif-4433	268	20	“	"	PUNCT
ejif-4433	268	21	islamic	islamic	ADJ
ejif-4433	268	22	mortgage	mortgage	NOUN
ejif-4433	268	23	is	be	AUX
ejif-4433	268	24	one	one	NUM
ejif-4433	268	25	of	of	ADP
ejif-4433	268	26	the	the	DET
ejif-4433	268	27	big	big	ADJ
ejif-4433	268	28	investment	investment	NOUN
ejif-4433	268	29	opportunities	opportunity	NOUN
ejif-4433	268	30	for	for	ADP
ejif-4433	268	31	islamic	islamic	ADJ
ejif-4433	268	32	banks	bank	NOUN
ejif-4433	268	33	as	as	SCONJ
ejif-4433	268	34	these	these	DET
ejif-4433	268	35	mortgages	mortgage	NOUN
ejif-4433	268	36	are	be	AUX
ejif-4433	268	37	different	different	ADJ
ejif-4433	268	38	and	and	CCONJ
ejif-4433	268	39	better	well	ADJ
ejif-4433	268	40	than	than	ADP
ejif-4433	268	41	traditional	traditional	ADJ
ejif-4433	268	42	home	home	NOUN
ejif-4433	268	43	loans	loan	NOUN
ejif-4433	268	44	.	.	PUNCT
ejif-4433	269	1	islamic	islamic	ADJ
ejif-4433	269	2	mortgages	mortgage	NOUN
ejif-4433	269	3	do	do	AUX
ejif-4433	269	4	n't	not	PART
ejif-4433	269	5	involve	involve	VERB
ejif-4433	269	6	paying	pay	VERB
ejif-4433	269	7	interest	interest	NOUN
ejif-4433	269	8	,	,	PUNCT
ejif-4433	269	9	as	as	SCONJ
ejif-4433	269	10	it	it	PRON
ejif-4433	269	11	is	be	AUX
ejif-4433	269	12	strictly	strictly	ADV
ejif-4433	269	13	forbidden	forbid	VERB
ejif-4433	269	14	under	under	ADP
ejif-4433	269	15	sharia	sharia	PROPN
ejif-4433	269	16	law	law	NOUN
ejif-4433	269	17	.	.	PUNCT
ejif-4433	270	1	in	in	ADP
ejif-4433	270	2	order	order	NOUN
ejif-4433	270	3	to	to	PART
ejif-4433	270	4	qualify	qualify	VERB
ejif-4433	270	5	for	for	ADP
ejif-4433	270	6	a	a	DET
ejif-4433	270	7	sharia	sharia	PROPN
ejif-4433	270	8	mortgage	mortgage	NOUN
ejif-4433	270	9	,	,	PUNCT
ejif-4433	270	10	you	you	PRON
ejif-4433	270	11	will	will	AUX
ejif-4433	270	12	typically	typically	ADV
ejif-4433	270	13	need	need	VERB
ejif-4433	270	14	a	a	DET
ejif-4433	270	15	deposit	deposit	NOUN
ejif-4433	270	16	of	of	ADP
ejif-4433	270	17	at	at	ADV
ejif-4433	270	18	least	least	ADV
ejif-4433	270	19	20	20	NUM
ejif-4433	270	20	%	%	NOUN
ejif-4433	270	21	of	of	ADP
ejif-4433	270	22	the	the	DET
ejif-4433	270	23	property	property	NOUN
ejif-4433	270	24	”	"	PUNCT
ejif-4433	270	25	.	.	PUNCT
ejif-4433	271	1	the	the	DET
ejif-4433	271	2	current	current	ADJ
ejif-4433	271	3	state	state	PROPN
ejif-4433	271	4	bank	bank	PROPN
ejif-4433	271	5	of	of	ADP
ejif-4433	271	6	pakistan	pakistan	PROPN
ejif-4433	271	7	(	(	PUNCT
ejif-4433	271	8	sbp	sbp	NOUN
ejif-4433	271	9	)	)	PUNCT
ejif-4433	271	10	policy	policy	NOUN
ejif-4433	271	11	as	as	ADV
ejif-4433	271	12	well	well	ADV
ejif-4433	271	13	as	as	ADP
ejif-4433	271	14	government	government	NOUN
ejif-4433	271	15	policy	policy	NOUN
ejif-4433	271	16	is	be	AUX
ejif-4433	271	17	determined	determine	VERB
ejif-4433	271	18	to	to	PART
ejif-4433	271	19	develop	develop	VERB
ejif-4433	271	20	the	the	DET
ejif-4433	271	21	pakistani	pakistani	ADJ
ejif-4433	271	22	mortgage	mortgage	NOUN
ejif-4433	271	23	market	market	NOUN
ejif-4433	271	24	(	(	PUNCT
ejif-4433	271	25	house	house	NOUN
ejif-4433	271	26	loans	loan	NOUN
ejif-4433	271	27	)	)	PUNCT
ejif-4433	271	28	.	.	PUNCT
ejif-4433	272	1	in	in	ADP
ejif-4433	272	2	the	the	DET
ejif-4433	272	3	current	current	ADJ
ejif-4433	272	4	pakistan	pakistan	ADJ
ejif-4433	272	5	government	government	NOUN
ejif-4433	272	6	under	under	ADP
ejif-4433	272	7	the	the	DET
ejif-4433	272	8	leadership	leadership	NOUN
ejif-4433	272	9	of	of	ADP
ejif-4433	272	10	prime	prime	ADJ
ejif-4433	272	11	minister	minister	NOUN
ejif-4433	272	12	“	"	PUNCT
ejif-4433	272	13	imran	imran	PROPN
ejif-4433	272	14	khan	khan	PROPN
ejif-4433	272	15	”	"	PUNCT
ejif-4433	272	16	the	the	DET
ejif-4433	272	17	government	government	NOUN
ejif-4433	272	18	along	along	ADP
ejif-4433	272	19	with	with	ADP
ejif-4433	272	20	the	the	DET
ejif-4433	272	21	state	state	NOUN
ejif-4433	272	22	bank	bank	PROPN
ejif-4433	272	23	of	of	ADP
ejif-4433	272	24	pakistan	pakistan	PROPN
ejif-4433	272	25	has	have	AUX
ejif-4433	272	26	set	set	VERB
ejif-4433	272	27	up	up	ADP
ejif-4433	272	28	a	a	DET
ejif-4433	272	29	target	target	NOUN
ejif-4433	272	30	for	for	ADP
ejif-4433	272	31	commercial	commercial	ADJ
ejif-4433	272	32	banks	bank	NOUN
ejif-4433	272	33	to	to	PART
ejif-4433	272	34	give	give	VERB
ejif-4433	272	35	5	5	NUM
ejif-4433	272	36	%	%	NOUN
ejif-4433	272	37	of	of	ADP
ejif-4433	272	38	their	their	PRON
ejif-4433	272	39	total	total	ADJ
ejif-4433	272	40	loans	loan	NOUN
ejif-4433	272	41	portfolio	portfolio	NOUN
ejif-4433	272	42	for	for	ADP
ejif-4433	272	43	home	home	NOUN
ejif-4433	272	44	loans	loan	NOUN
ejif-4433	272	45	.	.	PUNCT
ejif-4433	273	1	this	this	PRON
ejif-4433	273	2	is	be	AUX
ejif-4433	273	3	an	an	DET
ejif-4433	273	4	excellent	excellent	ADJ
ejif-4433	273	5	market	market	NOUN
ejif-4433	273	6	prospect	prospect	NOUN
ejif-4433	273	7	and	and	CCONJ
ejif-4433	273	8	islamic	islamic	ADJ
ejif-4433	273	9	banks	bank	NOUN
ejif-4433	273	10	should	should	AUX
ejif-4433	273	11	use	use	VERB
ejif-4433	273	12	this	this	DET
ejif-4433	273	13	opportunity	opportunity	NOUN
ejif-4433	273	14	to	to	PART
ejif-4433	273	15	develop	develop	VERB
ejif-4433	273	16	this	this	DET
ejif-4433	273	17	product	product	NOUN
ejif-4433	273	18	offering	offering	NOUN
ejif-4433	273	19	for	for	ADP
ejif-4433	273	20	pakistani	pakistani	ADJ
ejif-4433	273	21	customers	customer	NOUN
ejif-4433	273	22	.	.	PUNCT
ejif-4433	274	1	islamic	islamic	ADJ
ejif-4433	274	2	banks	bank	NOUN
ejif-4433	274	3	can	can	AUX
ejif-4433	274	4	collaborate	collaborate	VERB
ejif-4433	274	5	with	with	ADP
ejif-4433	274	6	construction	construction	NOUN
ejif-4433	274	7	companies	company	NOUN
ejif-4433	274	8	to	to	PART
ejif-4433	274	9	establish	establish	VERB
ejif-4433	274	10	housing	housing	NOUN
ejif-4433	274	11	schemes	scheme	NOUN
ejif-4433	274	12	in	in	ADP
ejif-4433	274	13	urban	urban	ADJ
ejif-4433	274	14	areas	area	NOUN
ejif-4433	274	15	.	.	PUNCT
ejif-4433	275	1	it	it	PRON
ejif-4433	275	2	could	could	AUX
ejif-4433	275	3	be	be	AUX
ejif-4433	275	4	a	a	DET
ejif-4433	275	5	combination	combination	NOUN
ejif-4433	275	6	of	of	ADP
ejif-4433	275	7	mortgage	mortgage	NOUN
ejif-4433	275	8	based	base	VERB
ejif-4433	275	9	project	project	NOUN
ejif-4433	275	10	financing	financing	NOUN
ejif-4433	275	11	.	.	PUNCT
ejif-4433	276	1	5	5	NUM
ejif-4433	276	2	data	datum	NOUN
ejif-4433	276	3	submitted	submit	VERB
ejif-4433	276	4	by	by	ADP
ejif-4433	276	5	banks	bank	NOUN
ejif-4433	276	6	under	under	ADP
ejif-4433	276	7	quarterly	quarterly	ADJ
ejif-4433	276	8	reporting	reporting	NOUN
ejif-4433	276	9	chart	chart	NOUN
ejif-4433	276	10	of	of	ADP
ejif-4433	276	11	account	account	NOUN
ejif-4433	276	12	(	(	PUNCT
ejif-4433	276	13	rcoa	rcoa	NOUN
ejif-4433	276	14	)	)	PUNCT
ejif-4433	276	15	,	,	PUNCT
ejif-4433	276	16	islamic	islamic	PROPN
ejif-4433	276	17	banking	banking	PROPN
ejif-4433	276	18	department	department	PROPN
ejif-4433	276	19	state	state	PROPN
ejif-4433	276	20	bank	bank	PROPN
ejif-4433	276	21	of	of	ADP
ejif-4433	276	22	pakistan	pakistan	PROPN
ejif-4433	276	23	,	,	PUNCT
ejif-4433	276	24	2019	2019	NUM
ejif-4433	276	25	references	reference	NOUN
ejif-4433	276	26	:	:	PUNCT
ejif-4433	276	27	[	[	X
ejif-4433	276	28	1	1	NUM
ejif-4433	276	29	]	]	PUNCT
ejif-4433	276	30	.	.	PUNCT
ejif-4433	277	1	ahmad	ahmad	PROPN
ejif-4433	277	2	,	,	PUNCT
ejif-4433	277	3	r.	r.	PROPN
ejif-4433	277	4	(	(	PUNCT
ejif-4433	277	5	2016	2016	NUM
ejif-4433	277	6	)	)	PUNCT
ejif-4433	277	7	.	.	PUNCT
ejif-4433	278	1	a	a	DET
ejif-4433	278	2	study	study	NOUN
ejif-4433	278	3	of	of	ADP
ejif-4433	278	4	relationship	relationship	NOUN
ejif-4433	278	5	between	between	ADP
ejif-4433	278	6	liquidity	liquidity	NOUN
ejif-4433	278	7	and	and	CCONJ
ejif-4433	278	8	profitability	profitability	NOUN
ejif-4433	278	9	of	of	ADP
ejif-4433	278	10	standard	standard	ADJ
ejif-4433	278	11	charterd	charterd	PROPN
ejif-4433	278	12	bank	bank	PROPN
ejif-4433	278	13	pakistan	pakistan	PROPN
ejif-4433	278	14	:	:	PUNCT
ejif-4433	278	15	analysis	analysis	NOUN
ejif-4433	278	16	of	of	ADP
ejif-4433	278	17	financial	financial	ADJ
ejif-4433	278	18	statement	statement	NOUN
ejif-4433	278	19	approach	approach	NOUN
ejif-4433	278	20	.	.	PUNCT
ejif-4433	279	1	global	global	ADJ
ejif-4433	279	2	journal	journal	PROPN
ejif-4433	279	3	of	of	ADP
ejif-4433	279	4	management	management	NOUN
ejif-4433	279	5	and	and	CCONJ
ejif-4433	279	6	business	business	NOUN
ejif-4433	279	7	research	research	NOUN
ejif-4433	279	8	:	:	PUNCT
ejif-4433	279	9	c	c	PROPN
ejif-4433	279	10	finance	finance	NOUN
ejif-4433	279	11	.	.	PUNCT
ejif-4433	280	1	16(1	16(1	X
ejif-4433	280	2	):	):	PUNCT
ejif-4433	280	3	76	76	NUM
ejif-4433	280	4	-	-	SYM
ejif-4433	280	5	82	82	NUM
ejif-4433	280	6	.	.	PUNCT
ejif-4433	281	1	[	[	X
ejif-4433	281	2	2	2	NUM
ejif-4433	281	3	]	]	PUNCT
ejif-4433	281	4	.	.	PUNCT
ejif-4433	282	1	ahmad	ahmad	PROPN
ejif-4433	282	2	,	,	PUNCT
ejif-4433	282	3	r.	r.	PROPN
ejif-4433	282	4	(	(	PUNCT
ejif-4433	282	5	2016	2016	NUM
ejif-4433	282	6	)	)	PUNCT
ejif-4433	282	7	.	.	PUNCT
ejif-4433	283	1	a	a	DET
ejif-4433	283	2	study	study	NOUN
ejif-4433	283	3	of	of	ADP
ejif-4433	283	4	relationship	relationship	NOUN
ejif-4433	283	5	between	between	ADP
ejif-4433	283	6	liquidity	liquidity	NOUN
ejif-4433	283	7	and	and	CCONJ
ejif-4433	283	8	profitability	profitability	NOUN
ejif-4433	283	9	of	of	ADP
ejif-4433	283	10	standard	standard	ADJ
ejif-4433	283	11	charterd	charterd	PROPN
ejif-4433	283	12	bank	bank	PROPN
ejif-4433	283	13	pakistan	pakistan	PROPN
ejif-4433	283	14	:	:	PUNCT
ejif-4433	283	15	analysis	analysis	NOUN
ejif-4433	283	16	of	of	ADP
ejif-4433	283	17	financial	financial	ADJ
ejif-4433	283	18	statement	statement	NOUN
ejif-4433	283	19	approach	approach	NOUN
ejif-4433	283	20	.	.	PUNCT
ejif-4433	284	1	global	global	ADJ
ejif-4433	284	2	journal	journal	PROPN
ejif-4433	284	3	of	of	ADP
ejif-4433	284	4	management	management	NOUN
ejif-4433	284	5	and	and	CCONJ
ejif-4433	284	6	business	business	NOUN
ejif-4433	284	7	research	research	NOUN
ejif-4433	284	8	:	:	PUNCT
ejif-4433	284	9	c	c	PROPN
ejif-4433	284	10	finance	finance	NOUN
ejif-4433	284	11	.	.	PUNCT
ejif-4433	285	1	16(1	16(1	X
ejif-4433	285	2	):	):	PUNCT
ejif-4433	285	3	76	76	NUM
ejif-4433	285	4	-	-	SYM
ejif-4433	285	5	82	82	NUM
ejif-4433	285	6	.	.	PUNCT
ejif-4433	286	1	[	[	X
ejif-4433	286	2	3	3	NUM
ejif-4433	286	3	]	]	PUNCT
ejif-4433	286	4	.	.	PUNCT
ejif-4433	286	5	akter	akter	PROPN
ejif-4433	286	6	,	,	PUNCT
ejif-4433	286	7	a	a	PRON
ejif-4433	286	8	and	and	CCONJ
ejif-4433	286	9	mahmud	mahmud	PROPN
ejif-4433	286	10	,	,	PUNCT
ejif-4433	286	11	k	k	PROPN
ejif-4433	286	12	(	(	PUNCT
ejif-4433	286	13	2014	2014	NUM
ejif-4433	286	14	)	)	PUNCT
ejif-4433	286	15	liquidityprofitability	liquidityprofitability	NOUN
ejif-4433	286	16	relationship	relationship	NOUN
ejif-4433	286	17	in	in	ADP
ejif-4433	286	18	bangladesh	bangladesh	NOUN
ejif-4433	286	19	banking	banking	NOUN
ejif-4433	286	20	industry	industry	NOUN
ejif-4433	286	21	,	,	PUNCT
ejif-4433	286	22	international	international	ADJ
ejif-4433	286	23	journal	journal	NOUN
ejif-4433	286	24	of	of	ADP
ejif-4433	286	25	empirical	empirical	ADJ
ejif-4433	286	26	finance	finance	NOUN
ejif-4433	286	27	,	,	PUNCT
ejif-4433	286	28	2	2	NUM
ejif-4433	286	29	(	(	PUNCT
ejif-4433	286	30	4	4	NUM
ejif-4433	286	31	)	)	PUNCT
ejif-4433	286	32	,	,	PUNCT
ejif-4433	286	33	143	143	NUM
ejif-4433	286	34	-	-	SYM
ejif-4433	286	35	151	151	NUM
ejif-4433	286	36	.	.	PUNCT
ejif-4433	287	1	[	[	X
ejif-4433	287	2	4	4	NUM
ejif-4433	287	3	]	]	PUNCT
ejif-4433	287	4	.	.	PUNCT
ejif-4433	288	1	al	al	PROPN
ejif-4433	288	2	-	-	PUNCT
ejif-4433	288	3	hares	hare	NOUN
ejif-4433	288	4	,	,	PUNCT
ejif-4433	288	5	o.	o.	NOUN
ejif-4433	288	6	m.	m.	NOUN
ejif-4433	288	7	,	,	PUNCT
ejif-4433	288	8	abu	abu	PROPN
ejif-4433	288	9	ghazaleh	ghazaleh	PROPN
ejif-4433	288	10	,	,	PUNCT
ejif-4433	288	11	n.	n.	PROPN
ejif-4433	288	12	m.	m.	NOUN
ejif-4433	288	13	,	,	PUNCT
ejif-4433	288	14	&	&	CCONJ
ejif-4433	288	15	elgalfy	elgalfy	NOUN
ejif-4433	288	16	,	,	PUNCT
ejif-4433	288	17	a.	a.	NOUN
ejif-4433	288	18	m.	m.	NOUN
ejif-4433	288	19	(	(	PUNCT
ejif-4433	288	20	2013	2013	NUM
ejif-4433	288	21	)	)	PUNCT
ejif-4433	288	22	.	.	PUNCT
ejif-4433	289	1	financial	financial	ADJ
ejif-4433	289	2	performance	performance	NOUN
ejif-4433	289	3	and	and	CCONJ
ejif-4433	289	4	compliance	compliance	NOUN
ejif-4433	289	5	with	with	ADP
ejif-4433	289	6	basel	basel	PROPN
ejif-4433	289	7	iii	iii	PROPN
ejif-4433	289	8	capital	capital	NOUN
ejif-4433	289	9	standards	standard	NOUN
ejif-4433	289	10	:	:	PUNCT
ejif-4433	289	11	conventional	conventional	ADJ
ejif-4433	289	12	vs.	vs.	X
ejif-4433	289	13	islamic	islamic	ADJ
ejif-4433	289	14	banks	bank	NOUN
ejif-4433	289	15	.	.	PUNCT
ejif-4433	290	1	journal	journal	PROPN
ejif-4433	290	2	of	of	ADP
ejif-4433	290	3	applied	apply	VERB
ejif-4433	290	4	business	business	NOUN
ejif-4433	290	5	research	research	NOUN
ejif-4433	290	6	,	,	PUNCT
ejif-4433	290	7	29(4	29(4	NOUN
ejif-4433	290	8	)	)	PUNCT
ejif-4433	290	9	,	,	PUNCT
ejif-4433	290	10	1031	1031	NUM
ejif-4433	290	11	-	-	SYM
ejif-4433	290	12	1048	1048	NUM
ejif-4433	290	13	.	.	PUNCT
ejif-4433	291	1	[	[	X
ejif-4433	291	2	5	5	NUM
ejif-4433	291	3	]	]	PUNCT
ejif-4433	291	4	.	.	PUNCT
ejif-4433	292	1	alshatti	alshatti	PROPN
ejif-4433	292	2	,	,	PUNCT
ejif-4433	292	3	a.s	a.s	PROPN
ejif-4433	292	4	(	(	PUNCT
ejif-4433	292	5	2015	2015	NUM
ejif-4433	292	6	)	)	PUNCT
ejif-4433	292	7	the	the	DET
ejif-4433	292	8	effect	effect	NOUN
ejif-4433	292	9	of	of	ADP
ejif-4433	292	10	the	the	DET
ejif-4433	292	11	liquidity	liquidity	NOUN
ejif-4433	292	12	management	management	NOUN
ejif-4433	292	13	on	on	ADP
ejif-4433	292	14	profitability	profitability	NOUN
ejif-4433	292	15	in	in	ADP
ejif-4433	292	16	the	the	DET
ejif-4433	292	17	jordanian	jordanian	ADJ
ejif-4433	292	18	commercial	commercial	ADJ
ejif-4433	292	19	banks	bank	NOUN
ejif-4433	292	20	,	,	PUNCT
ejif-4433	292	21	international	international	ADJ
ejif-4433	292	22	journal	journal	NOUN
ejif-4433	292	23	of	of	ADP
ejif-4433	292	24	business	business	NOUN
ejif-4433	292	25	and	and	CCONJ
ejif-4433	292	26	management	management	NOUN
ejif-4433	292	27	,	,	PUNCT
ejif-4433	292	28	10	10	NUM
ejif-4433	292	29	(	(	PUNCT
ejif-4433	292	30	1	1	NUM
ejif-4433	292	31	)	)	PUNCT
ejif-4433	292	32	,	,	PUNCT
ejif-4433	292	33	62	62	NUM
ejif-4433	292	34	-	-	SYM
ejif-4433	292	35	71	71	NUM
ejif-4433	292	36	.	.	PUNCT
ejif-4433	293	1	[	[	X
ejif-4433	293	2	6	6	NUM
ejif-4433	293	3	]	]	PUNCT
ejif-4433	293	4	.	.	PUNCT
ejif-4433	294	1	auka	auka	PROPN
ejif-4433	294	2	,	,	PUNCT
ejif-4433	294	3	d.o	d.o	PROPN
ejif-4433	294	4	.	.	PROPN
ejif-4433	294	5	(	(	PUNCT
ejif-4433	294	6	2012	2012	NUM
ejif-4433	294	7	)	)	PUNCT
ejif-4433	294	8	.	.	PUNCT
ejif-4433	295	1	service	service	NOUN
ejif-4433	295	2	quality	quality	NOUN
ejif-4433	295	3	,	,	PUNCT
ejif-4433	295	4	satisfaction	satisfaction	NOUN
ejif-4433	295	5	,	,	PUNCT
ejif-4433	295	6	perceived	perceive	VERB
ejif-4433	295	7	value	value	NOUN
ejif-4433	295	8	and	and	CCONJ
ejif-4433	295	9	loyalty	loyalty	NOUN
ejif-4433	295	10	among	among	ADP
ejif-4433	295	11	customers	customer	NOUN
ejif-4433	295	12	in	in	ADP
ejif-4433	295	13	commercial	commercial	ADJ
ejif-4433	295	14	banking	banking	NOUN
ejif-4433	295	15	in	in	ADP
ejif-4433	295	16	nakuru	nakuru	PROPN
ejif-4433	295	17	municipality	municipality	PROPN
ejif-4433	295	18	,	,	PUNCT
ejif-4433	295	19	kenya	kenya	PROPN
ejif-4433	295	20	.	.	PUNCT
ejif-4433	296	1	african	african	ADJ
ejif-4433	296	2	journal	journal	PROPN
ejif-4433	296	3	of	of	ADP
ejif-4433	296	4	marketing	marketing	NOUN
ejif-4433	296	5	management	management	NOUN
ejif-4433	296	6	,	,	PUNCT
ejif-4433	296	7	4(5	4(5	NUM
ejif-4433	296	8	)	)	PUNCT
ejif-4433	296	9	185	185	NUM
ejif-4433	296	10	-	-	SYM
ejif-4433	296	11	203	203	NUM
ejif-4433	296	12	.	.	PUNCT
ejif-4433	297	1	[	[	X
ejif-4433	297	2	7	7	NUM
ejif-4433	297	3	]	]	PUNCT
ejif-4433	297	4	.	.	PUNCT
ejif-4433	298	1	awan	awan	PROPN
ejif-4433	298	2	,	,	PUNCT
ejif-4433	298	3	a.	a.	NOUN
ejif-4433	298	4	g.	g.	PROPN
ejif-4433	298	5	,	,	PUNCT
ejif-4433	298	6	&	&	CCONJ
ejif-4433	298	7	azhar	azhar	PROPN
ejif-4433	298	8	,	,	PUNCT
ejif-4433	298	9	m.	m.	NOUN
ejif-4433	298	10	(	(	PUNCT
ejif-4433	298	11	2014	2014	NUM
ejif-4433	298	12	)	)	PUNCT
ejif-4433	298	13	.	.	PUNCT
ejif-4433	299	1	consumer	consumer	NOUN
ejif-4433	299	2	behaviour	behaviour	NOUN
ejif-4433	299	3	towards	towards	ADP
ejif-4433	299	4	islamic	islamic	ADJ
ejif-4433	299	5	banking	banking	NOUN
ejif-4433	299	6	in	in	ADP
ejif-4433	299	7	pakistan	pakistan	PROPN
ejif-4433	299	8	.	.	PUNCT
ejif-4433	300	1	european	european	PROPN
ejif-4433	300	2	journal	journal	PROPN
ejif-4433	300	3	of	of	ADP
ejif-4433	300	4	accounting	accounting	NOUN
ejif-4433	300	5	auditing	auditing	NOUN
ejif-4433	300	6	and	and	CCONJ
ejif-4433	300	7	finance	finance	NOUN
ejif-4433	300	8	research	research	NOUN
ejif-4433	300	9	,	,	PUNCT
ejif-4433	300	10	2(9	2(9	NUM
ejif-4433	300	11	)	)	PUNCT
ejif-4433	300	12	,	,	PUNCT
ejif-4433	300	13	42–65	42–65	NUM
ejif-4433	300	14	.	.	PUNCT
ejif-4433	301	1	[	[	X
ejif-4433	301	2	8	8	NUM
ejif-4433	301	3	]	]	PUNCT
ejif-4433	301	4	.	.	PUNCT
ejif-4433	302	1	bhattarai	bhattarai	PROPN
ejif-4433	302	2	,	,	PUNCT
ejif-4433	302	3	y.r	y.r	PROPN
ejif-4433	302	4	.	.	PUNCT
ejif-4433	302	5	(	(	PUNCT
ejif-4433	302	6	2016	2016	NUM
ejif-4433	302	7	)	)	PUNCT
ejif-4433	302	8	,	,	PUNCT
ejif-4433	302	9	“	"	PUNCT
ejif-4433	302	10	effect	effect	NOUN
ejif-4433	302	11	of	of	ADP
ejif-4433	302	12	nonperforming	nonperforme	VERB
ejif-4433	302	13	loan	loan	NOUN
ejif-4433	302	14	on	on	ADP
ejif-4433	302	15	the	the	DET
ejif-4433	302	16	profitability	profitability	NOUN
ejif-4433	302	17	of	of	ADP
ejif-4433	302	18	commercial	commercial	ADJ
ejif-4433	302	19	banks	bank	NOUN
ejif-4433	302	20	in	in	ADP
ejif-4433	302	21	nepal	nepal	NOUN
ejif-4433	302	22	”	"	PUNCT
ejif-4433	302	23	,	,	PUNCT
ejif-4433	302	24	international	international	ADJ
ejif-4433	302	25	journal	journal	NOUN
ejif-4433	302	26	of	of	ADP
ejif-4433	302	27	business	business	PROPN
ejif-4433	302	28	&	&	CCONJ
ejif-4433	302	29	management	management	NOUN
ejif-4433	302	30	,	,	PUNCT
ejif-4433	302	31	volume	volume	NOUN
ejif-4433	302	32	4	4	NUM
ejif-4433	302	33	issue	issue	NOUN
ejif-4433	302	34	6	6	NUM
ejif-4433	302	35	,	,	PUNCT
ejif-4433	302	36	pp	pp	CCONJ
ejif-4433	302	37	(	(	PUNCT
ejif-4433	302	38	435	435	NUM
ejif-4433	302	39	-	-	SYM
ejif-4433	302	40	442	442	NUM
ejif-4433	302	41	)	)	PUNCT
ejif-4433	302	42	.	.	PUNCT
ejif-4433	303	1	[	[	X
ejif-4433	303	2	9	9	NUM
ejif-4433	303	3	]	]	PUNCT
ejif-4433	303	4	.	.	PUNCT
ejif-4433	304	1	bose	bose	PROPN
ejif-4433	304	2	,	,	PUNCT
ejif-4433	304	3	s.	s.	PROPN
ejif-4433	304	4	,	,	PUNCT
ejif-4433	304	5	saha	saha	PROPN
ejif-4433	304	6	,	,	PUNCT
ejif-4433	304	7	a.	a.	PROPN
ejif-4433	304	8	,	,	PUNCT
ejif-4433	304	9	zaman	zaman	PROPN
ejif-4433	304	10	,	,	PUNCT
ejif-4433	304	11	h.	h.	PROPN
ejif-4433	304	12	,	,	PUNCT
ejif-4433	304	13	&	&	CCONJ
ejif-4433	304	14	islam	islam	PROPN
ejif-4433	304	15	,	,	PUNCT
ejif-4433	304	16	s.	s.	PROPN
ejif-4433	304	17	(	(	PUNCT
ejif-4433	304	18	2017	2017	NUM
ejif-4433	304	19	)	)	PUNCT
ejif-4433	304	20	.	.	PUNCT
ejif-4433	305	1	non	non	ADJ
ejif-4433	305	2	-	-	ADJ
ejif-4433	305	3	financial	financial	ADJ
ejif-4433	305	4	disclosure	disclosure	NOUN
ejif-4433	305	5	and	and	CCONJ
ejif-4433	305	6	marketbased	marketbase	VERB
ejif-4433	305	7	firm	firm	ADJ
ejif-4433	305	8	performance	performance	NOUN
ejif-4433	305	9	:	:	PUNCT
ejif-4433	305	10	the	the	DET
ejif-4433	305	11	initiation	initiation	NOUN
ejif-4433	305	12	of	of	ADP
ejif-4433	305	13	financial	financial	ADJ
ejif-4433	305	14	inclusion	inclusion	NOUN
ejif-4433	305	15	sudipta	sudipta	NOUN
ejif-4433	305	16	.	.	PUNCT
ejif-4433	306	1	journal	journal	PROPN
ejif-4433	306	2	of	of	ADP
ejif-4433	306	3	contemporary	contemporary	PROPN
ejif-4433	306	4	accounting	accounting	PROPN
ejif-4433	306	5	&	&	CCONJ
ejif-4433	306	6	economics	economic	NOUN
ejif-4433	306	7	,	,	PUNCT
ejif-4433	306	8	13(3	13(3	NUM
ejif-4433	306	9	)	)	PUNCT
ejif-4433	306	10	,	,	PUNCT
ejif-4433	306	11	263–281	263–281	NUM
ejif-4433	306	12	.	.	PUNCT
ejif-4433	307	1	doi:10.1016	doi:10.1016	PROPN
ejif-4433	307	2	/	/	SYM
ejif-4433	307	3	j.jcae.2017.09.006	j.jcae.2017.09.006	PROPN
ejif-4433	307	4	ejif	ejif	NOUN
ejif-4433	307	5	–	–	PUNCT
ejif-4433	307	6	european	european	PROPN
ejif-4433	307	7	journal	journal	PROPN
ejif-4433	307	8	of	of	ADP
ejif-4433	307	9	islamic	islamic	PROPN
ejif-4433	307	10	finance	finance	PROPN
ejif-4433	307	11	no15	no15	PROPN
ejif-4433	307	12	,	,	PUNCT
ejif-4433	307	13	august	august	PROPN
ejif-4433	307	14	(	(	PUNCT
ejif-4433	307	15	2020	2020	NUM
ejif-4433	307	16	)	)	PUNCT
ejif-4433	308	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	308	2	issn	issn	VERB
ejif-4433	308	3	2421	2421	NUM
ejif-4433	308	4	-	-	SYM
ejif-4433	308	5	2172	2172	NUM
ejif-4433	308	6	12	12	NUM
ejif-4433	309	1	[	[	X
ejif-4433	309	2	10	10	NUM
ejif-4433	309	3	]	]	PUNCT
ejif-4433	309	4	.	.	PUNCT
ejif-4433	310	1	dickinson	dickinson	PROPN
ejif-4433	310	2	,	,	PUNCT
ejif-4433	310	3	v.	v.	PROPN
ejif-4433	310	4	,	,	PUNCT
ejif-4433	310	5	&	&	CCONJ
ejif-4433	310	6	sommers	sommers	PROPN
ejif-4433	310	7	,	,	PUNCT
ejif-4433	310	8	g.	g.	PROPN
ejif-4433	310	9	(	(	PUNCT
ejif-4433	310	10	2012	2012	NUM
ejif-4433	310	11	)	)	PUNCT
ejif-4433	310	12	.	.	PUNCT
ejif-4433	311	1	which	which	DET
ejif-4433	311	2	competitive	competitive	ADJ
ejif-4433	311	3	efforts	effort	NOUN
ejif-4433	311	4	lead	lead	VERB
ejif-4433	311	5	to	to	ADP
ejif-4433	311	6	future	future	ADJ
ejif-4433	311	7	abnormal	abnormal	ADJ
ejif-4433	311	8	economic	economic	ADJ
ejif-4433	311	9	rents	rent	NOUN
ejif-4433	311	10	?	?	PUNCT
ejif-4433	312	1	journal	journal	NOUN
ejif-4433	312	2	of	of	ADP
ejif-4433	312	3	business	business	NOUN
ejif-4433	312	4	,	,	PUNCT
ejif-4433	312	5	finance	finance	NOUN
ejif-4433	312	6	and	and	CCONJ
ejif-4433	312	7	accounting	accounting	NOUN
ejif-4433	312	8	,	,	PUNCT
ejif-4433	312	9	39(3&4	39(3&4	NUM
ejif-4433	312	10	)	)	PUNCT
ejif-4433	312	11	,	,	PUNCT
ejif-4433	312	12	360–398	360–398	NUM
ejif-4433	312	13	.	.	PUNCT
ejif-4433	313	1	[	[	X
ejif-4433	313	2	11	11	NUM
ejif-4433	313	3	]	]	PUNCT
ejif-4433	313	4	.	.	PUNCT
ejif-4433	313	5	faleel	faleel	PROPN
ejif-4433	313	6	,	,	PUNCT
ejif-4433	313	7	j.	j.	PROPN
ejif-4433	313	8	(	(	PUNCT
ejif-4433	313	9	2012	2012	NUM
ejif-4433	313	10	)	)	PUNCT
ejif-4433	313	11	.	.	PUNCT
ejif-4433	314	1	islamic	islamic	ADJ
ejif-4433	314	2	finance	finance	PROPN
ejif-4433	314	3	for	for	ADP
ejif-4433	314	4	dummies	dummy	NOUN
ejif-4433	314	5	.	.	PUNCT
ejif-4433	315	1	north	north	PROPN
ejif-4433	315	2	american	american	PROPN
ejif-4433	315	3	journal	journal	PROPN
ejif-4433	315	4	of	of	ADP
ejif-4433	315	5	economics	economic	NOUN
ejif-4433	315	6	and	and	CCONJ
ejif-4433	315	7	finance	finance	NOUN
ejif-4433	315	8	[	[	X
ejif-4433	315	9	12	12	NUM
ejif-4433	315	10	]	]	PUNCT
ejif-4433	315	11	.	.	PUNCT
ejif-4433	316	1	hamid	hamid	PROPN
ejif-4433	316	2	,	,	PUNCT
ejif-4433	316	3	m.	m.	NOUN
ejif-4433	316	4	a.	a.	PROPN
ejif-4433	316	5	,	,	PUNCT
ejif-4433	316	6	&	&	CCONJ
ejif-4433	316	7	azmi	azmi	PROPN
ejif-4433	316	8	,	,	PUNCT
ejif-4433	316	9	s.	s.	PROPN
ejif-4433	316	10	m.	m.	PROPN
ejif-4433	316	11	(	(	PUNCT
ejif-4433	316	12	2011	2011	NUM
ejif-4433	316	13	)	)	PUNCT
ejif-4433	316	14	.	.	PUNCT
ejif-4433	317	1	the	the	DET
ejif-4433	317	2	performance	performance	NOUN
ejif-4433	317	3	of	of	ADP
ejif-4433	317	4	banking	banking	NOUN
ejif-4433	317	5	during	during	ADP
ejif-4433	317	6	2000	2000	NUM
ejif-4433	317	7	-	-	SYM
ejif-4433	317	8	2009	2009	NUM
ejif-4433	317	9	:	:	PUNCT
ejif-4433	317	10	bank	bank	PROPN
ejif-4433	317	11	islam	islam	PROPN
ejif-4433	317	12	malaysia	malaysia	PROPN
ejif-4433	317	13	berhad	berhad	PROPN
ejif-4433	317	14	and	and	CCONJ
ejif-4433	317	15	conventional	conventional	ADJ
ejif-4433	317	16	banking	banking	NOUN
ejif-4433	317	17	in	in	ADP
ejif-4433	317	18	malaysia	malaysia	PROPN
ejif-4433	317	19	.	.	PUNCT
ejif-4433	318	1	international	international	ADJ
ejif-4433	318	2	journal	journal	PROPN
ejif-4433	318	3	of	of	ADP
ejif-4433	318	4	economics	economic	NOUN
ejif-4433	318	5	and	and	CCONJ
ejif-4433	318	6	management	management	NOUN
ejif-4433	318	7	sciences	science	NOUN
ejif-4433	318	8	,	,	PUNCT
ejif-4433	318	9	1(1	1(1	NUM
ejif-4433	318	10	)	)	PUNCT
ejif-4433	318	11	,	,	PUNCT
ejif-4433	318	12	09	09	NUM
ejif-4433	318	13	-	-	SYM
ejif-4433	318	14	19	19	NUM
ejif-4433	318	15	.	.	PUNCT
ejif-4433	319	1	[	[	X
ejif-4433	319	2	13	13	NUM
ejif-4433	319	3	]	]	PUNCT
ejif-4433	319	4	.	.	PUNCT
ejif-4433	319	5	inyangala	inyangala	PROPN
ejif-4433	319	6	,	,	PUNCT
ejif-4433	319	7	r.	r.	PROPN
ejif-4433	319	8	n.	n.	PROPN
ejif-4433	319	9	(	(	PUNCT
ejif-4433	319	10	2014	2014	NUM
ejif-4433	319	11	)	)	PUNCT
ejif-4433	319	12	.	.	PUNCT
ejif-4433	320	1	an	an	DET
ejif-4433	320	2	assessment	assessment	NOUN
ejif-4433	320	3	of	of	ADP
ejif-4433	320	4	the	the	DET
ejif-4433	320	5	determinants	determinant	NOUN
ejif-4433	320	6	of	of	ADP
ejif-4433	320	7	financial	financial	ADJ
ejif-4433	320	8	performance	performance	NOUN
ejif-4433	320	9	of	of	ADP
ejif-4433	320	10	islamic	islamic	ADJ
ejif-4433	320	11	banks	bank	NOUN
ejif-4433	320	12	and	and	CCONJ
ejif-4433	320	13	conventional	conventional	ADJ
ejif-4433	320	14	banks	bank	NOUN
ejif-4433	320	15	in	in	ADP
ejif-4433	320	16	kenya	kenya	PROPN
ejif-4433	320	17	(	(	PUNCT
ejif-4433	320	18	doctoral	doctoral	ADJ
ejif-4433	320	19	dissertation	dissertation	NOUN
ejif-4433	320	20	,	,	PUNCT
ejif-4433	320	21	university	university	NOUN
ejif-4433	320	22	of	of	ADP
ejif-4433	320	23	nairobi	nairobi	PROPN
ejif-4433	320	24	)	)	PUNCT
ejif-4433	320	25	.	.	PUNCT
ejif-4433	321	1	[	[	X
ejif-4433	321	2	14	14	NUM
ejif-4433	321	3	]	]	PUNCT
ejif-4433	321	4	.	.	PUNCT
ejif-4433	322	1	khediri	khediri	PROPN
ejif-4433	322	2	,	,	PUNCT
ejif-4433	322	3	k.	k.	PROPN
ejif-4433	322	4	b.	b.	PROPN
ejif-4433	322	5	,	,	PUNCT
ejif-4433	322	6	charfeddine	charfeddine	NOUN
ejif-4433	322	7	,	,	PUNCT
ejif-4433	322	8	l.	l.	PROPN
ejif-4433	322	9	,	,	PUNCT
ejif-4433	322	10	&	&	CCONJ
ejif-4433	322	11	youssef	youssef	PROPN
ejif-4433	322	12	,	,	PUNCT
ejif-4433	322	13	s.	s.	PROPN
ejif-4433	322	14	b.	b.	PROPN
ejif-4433	322	15	(	(	PUNCT
ejif-4433	322	16	2015	2015	NUM
ejif-4433	322	17	)	)	PUNCT
ejif-4433	322	18	.	.	PUNCT
ejif-4433	323	1	islamic	islamic	ADJ
ejif-4433	323	2	versus	versus	ADP
ejif-4433	323	3	conventional	conventional	ADJ
ejif-4433	323	4	banks	bank	NOUN
ejif-4433	323	5	in	in	ADP
ejif-4433	323	6	the	the	DET
ejif-4433	323	7	gcc	gcc	NOUN
ejif-4433	323	8	countries	country	NOUN
ejif-4433	323	9	:	:	PUNCT
ejif-4433	323	10	a	a	DET
ejif-4433	323	11	comparative	comparative	ADJ
ejif-4433	323	12	study	study	NOUN
ejif-4433	323	13	using	use	VERB
ejif-4433	323	14	classification	classification	NOUN
ejif-4433	323	15	techniques	technique	NOUN
ejif-4433	323	16	.	.	PUNCT
ejif-4433	324	1	research	research	NOUN
ejif-4433	324	2	in	in	ADP
ejif-4433	324	3	international	international	ADJ
ejif-4433	324	4	business	business	NOUN
ejif-4433	324	5	and	and	CCONJ
ejif-4433	324	6	finance	finance	NOUN
ejif-4433	324	7	,	,	PUNCT
ejif-4433	324	8	33	33	NUM
ejif-4433	324	9	,	,	PUNCT
ejif-4433	324	10	75	75	NUM
ejif-4433	324	11	-	-	SYM
ejif-4433	324	12	98	98	NUM
ejif-4433	324	13	.	.	PUNCT
ejif-4433	325	1	[	[	X
ejif-4433	325	2	15	15	NUM
ejif-4433	325	3	]	]	PUNCT
ejif-4433	325	4	.	.	PUNCT
ejif-4433	326	1	kumbirai	kumbirai	PROPN
ejif-4433	326	2	,	,	PUNCT
ejif-4433	326	3	m.	m.	NOUN
ejif-4433	326	4	,	,	PUNCT
ejif-4433	326	5	&	&	CCONJ
ejif-4433	326	6	webb	webb	PROPN
ejif-4433	326	7	,	,	PUNCT
ejif-4433	326	8	r.	r.	PROPN
ejif-4433	326	9	(	(	PUNCT
ejif-4433	326	10	2010	2010	NUM
ejif-4433	326	11	)	)	PUNCT
ejif-4433	326	12	.	.	PUNCT
ejif-4433	327	1	a	a	DET
ejif-4433	327	2	financial	financial	ADJ
ejif-4433	327	3	ratio	ratio	NOUN
ejif-4433	327	4	analysis	analysis	NOUN
ejif-4433	327	5	of	of	ADP
ejif-4433	327	6	commercial	commercial	ADJ
ejif-4433	327	7	bank	bank	NOUN
ejif-4433	327	8	performance	performance	NOUN
ejif-4433	327	9	in	in	ADP
ejif-4433	327	10	south	south	PROPN
ejif-4433	327	11	africa	africa	PROPN
ejif-4433	327	12	.	.	PUNCT
ejif-4433	328	1	african	african	PROPN
ejif-4433	328	2	review	review	NOUN
ejif-4433	328	3	of	of	ADP
ejif-4433	328	4	economics	economic	NOUN
ejif-4433	328	5	and	and	CCONJ
ejif-4433	328	6	finance	finance	NOUN
ejif-4433	328	7	,	,	PUNCT
ejif-4433	328	8	2(1	2(1	NUM
ejif-4433	328	9	)	)	PUNCT
ejif-4433	328	10	,	,	PUNCT
ejif-4433	328	11	30	30	NUM
ejif-4433	328	12	-	-	SYM
ejif-4433	328	13	53	53	NUM
ejif-4433	328	14	.	.	PUNCT
ejif-4433	329	1	[	[	X
ejif-4433	329	2	16	16	NUM
ejif-4433	329	3	]	]	PUNCT
ejif-4433	329	4	.	.	PUNCT
ejif-4433	330	1	maqbool	maqbool	PROPN
ejif-4433	330	2	,	,	PUNCT
ejif-4433	330	3	f.	f.	PROPN
ejif-4433	330	4	(	(	PUNCT
ejif-4433	330	5	2014	2014	NUM
ejif-4433	330	6	)	)	PUNCT
ejif-4433	330	7	,	,	PUNCT
ejif-4433	330	8	the	the	DET
ejif-4433	330	9	impact	impact	NOUN
ejif-4433	330	10	of	of	ADP
ejif-4433	330	11	liquidity	liquidity	NOUN
ejif-4433	330	12	on	on	ADP
ejif-4433	330	13	islamic	islamic	PROPN
ejif-4433	330	14	bank	bank	PROPN
ejif-4433	330	15	’s	’s	PART
ejif-4433	330	16	profitability	profitability	NOUN
ejif-4433	330	17	.	.	PUNCT
ejif-4433	331	1	international	international	ADJ
ejif-4433	331	2	journal	journal	PROPN
ejif-4433	331	3	of	of	ADP
ejif-4433	331	4	economics	economic	NOUN
ejif-4433	331	5	and	and	CCONJ
ejif-4433	331	6	finance	finance	NOUN
ejif-4433	331	7	,	,	PUNCT
ejif-4433	331	8	[	[	X
ejif-4433	331	9	17	17	NUM
ejif-4433	331	10	]	]	PUNCT
ejif-4433	331	11	.	.	PUNCT
ejif-4433	332	1	masood	masood	PROPN
ejif-4433	332	2	,	,	PUNCT
ejif-4433	332	3	o	o	PROPN
ejif-4433	332	4	&	&	CCONJ
ejif-4433	332	5	javaria	javaria	PROPN
ejif-4433	332	6	,	,	PUNCT
ejif-4433	332	7	k	k	PROPN
ejif-4433	332	8	,	,	PUNCT
ejif-4433	332	9	(	(	PUNCT
ejif-4433	332	10	2017	2017	NUM
ejif-4433	332	11	)	)	PUNCT
ejif-4433	332	12	,	,	PUNCT
ejif-4433	332	13	liquidity	liquidity	NOUN
ejif-4433	332	14	risk	risk	NOUN
ejif-4433	332	15	management	management	NOUN
ejif-4433	332	16	and	and	CCONJ
ejif-4433	332	17	financial	financial	ADJ
ejif-4433	332	18	performance	performance	NOUN
ejif-4433	332	19	of	of	ADP
ejif-4433	332	20	islamic	islamic	ADJ
ejif-4433	332	21	banks	bank	NOUN
ejif-4433	332	22	:	:	PUNCT
ejif-4433	332	23	empirical	empirical	ADJ
ejif-4433	332	24	evidence	evidence	NOUN
ejif-4433	332	25	from	from	ADP
ejif-4433	332	26	global	global	ADJ
ejif-4433	332	27	islamic	islamic	ADJ
ejif-4433	332	28	banks	bank	NOUN
ejif-4433	332	29	,	,	PUNCT
ejif-4433	332	30	journal	journal	NOUN
ejif-4433	332	31	of	of	ADP
ejif-4433	332	32	islamic	islamic	ADJ
ejif-4433	332	33	financial	financial	ADJ
ejif-4433	332	34	studies	study	NOUN
ejif-4433	332	35	,	,	PUNCT
ejif-4433	332	36	j.	j.	PROPN
ejif-4433	332	37	islam	islam	PROPN
ejif-4433	332	38	.	.	PUNCT
ejif-4433	333	1	fin	fin	PROPN
ejif-4433	333	2	.	.	PUNCT
ejif-4433	333	3	stud	stud	PROPN
ejif-4433	333	4	.	.	PUNCT
ejif-4433	334	1	3	3	NUM
ejif-4433	334	2	,	,	PUNCT
ejif-4433	334	3	no.2	no.2	PROPN
ejif-4433	334	4	,	,	PUNCT
ejif-4433	334	5	issn	issn	PROPN
ejif-4433	334	6	(	(	PUNCT
ejif-4433	334	7	2469	2469	NUM
ejif-4433	334	8	-	-	SYM
ejif-4433	334	9	259x	259x	NOUN
ejif-4433	334	10	)	)	PUNCT
ejif-4433	335	1	[	[	X
ejif-4433	335	2	18	18	NUM
ejif-4433	335	3	]	]	PUNCT
ejif-4433	335	4	.	.	PUNCT
ejif-4433	336	1	masood	masood	PROPN
ejif-4433	336	2	,	,	PUNCT
ejif-4433	336	3	o.	o.	PROPN
ejif-4433	336	4	(	(	PUNCT
ejif-4433	336	5	2013	2013	NUM
ejif-4433	336	6	)	)	PUNCT
ejif-4433	336	7	.	.	PUNCT
ejif-4433	337	1	chapter	chapter	NOUN
ejif-4433	337	2	first	first	PROPN
ejif-4433	337	3	islamic	islamic	PROPN
ejif-4433	337	4	banking	banking	NOUN
ejif-4433	337	5	,	,	PUNCT
ejif-4433	337	6	finance	finance	NOUN
ejif-4433	337	7	and	and	CCONJ
ejif-4433	337	8	financial	financial	ADJ
ejif-4433	337	9	intermediation	intermediation	NOUN
ejif-4433	337	10	:	:	PUNCT
ejif-4433	337	11	developments	development	NOUN
ejif-4433	337	12	and	and	CCONJ
ejif-4433	337	13	risk	risk	NOUN
ejif-4433	337	14	management	management	NOUN
ejif-4433	337	15	omar	omar	PROPN
ejif-4433	337	16	masood	masood	PROPN
ejif-4433	337	17	and	and	CCONJ
ejif-4433	337	18	mondher	mondher	ADJ
ejif-4433	337	19	bellalah	bellalah	PROPN
ejif-4433	337	20	.	.	PUNCT
ejif-4433	338	1	islamic	islamic	ADJ
ejif-4433	338	2	banking	banking	PROPN
ejif-4433	338	3	and	and	CCONJ
ejif-4433	338	4	finance	finance	NOUN
ejif-4433	338	5	,	,	PUNCT
ejif-4433	338	6	56	56	NUM
ejif-4433	338	7	.	.	PUNCT
ejif-4433	339	1	[	[	X
ejif-4433	339	2	19	19	NUM
ejif-4433	339	3	]	]	PUNCT
ejif-4433	339	4	.	.	PUNCT
ejif-4433	340	1	mohiuddin	mohiuddin	NOUN
ejif-4433	340	2	,	,	PUNCT
ejif-4433	340	3	z.a	z.a	PROPN
ejif-4433	340	4	.	.	PROPN
ejif-4433	340	5	,	,	PUNCT
ejif-4433	340	6	begum	begum	PROPN
ejif-4433	340	7	,	,	PUNCT
ejif-4433	340	8	r	r	NOUN
ejif-4433	340	9	&	&	CCONJ
ejif-4433	340	10	rizvi	rizvi	PROPN
ejif-4433	340	11	,	,	PUNCT
ejif-4433	340	12	f.z	f.z	PROPN
ejif-4433	340	13	.	.	PROPN
ejif-4433	340	14	(	(	PUNCT
ejif-4433	340	15	2018	2018	NUM
ejif-4433	340	16	)	)	PUNCT
ejif-4433	340	17	,	,	PUNCT
ejif-4433	340	18	ineffective	ineffective	ADJ
ejif-4433	340	19	awareness	awareness	NOUN
ejif-4433	340	20	of	of	ADP
ejif-4433	340	21	islamic	islamic	ADJ
ejif-4433	340	22	banking	banking	NOUN
ejif-4433	340	23	products	product	NOUN
ejif-4433	340	24	as	as	ADP
ejif-4433	340	25	a	a	DET
ejif-4433	340	26	root	root	NOUN
ejif-4433	340	27	cause	cause	NOUN
ejif-4433	340	28	of	of	ADP
ejif-4433	340	29	reluctance	reluctance	NOUN
ejif-4433	340	30	for	for	ADP
ejif-4433	340	31	the	the	DET
ejif-4433	340	32	same	same	ADJ
ejif-4433	340	33	by	by	ADP
ejif-4433	340	34	corporate	corporate	ADJ
ejif-4433	340	35	customers	customer	NOUN
ejif-4433	340	36	:	:	PUNCT
ejif-4433	340	37	a	a	DET
ejif-4433	340	38	case	case	NOUN
ejif-4433	340	39	study	study	NOUN
ejif-4433	340	40	of	of	ADP
ejif-4433	340	41	mcb	mcb	PROPN
ejif-4433	340	42	–	–	PUNCT
ejif-4433	340	43	nib	nib	VERB
ejif-4433	340	44	merger	merger	NOUN
ejif-4433	340	45	in	in	ADP
ejif-4433	340	46	pakistan	pakistan	PROPN
ejif-4433	340	47	,	,	PUNCT
ejif-4433	340	48	european	european	ADJ
ejif-4433	340	49	scientific	scientific	ADJ
ejif-4433	340	50	journal	journal	NOUN
ejif-4433	340	51	,	,	PUNCT
ejif-4433	340	52	14(13	14(13	NUM
ejif-4433	340	53	)	)	PUNCT
ejif-4433	340	54	,	,	PUNCT
ejif-4433	340	55	1857	1857	NUM
ejif-4433	340	56	–	–	PUNCT
ejif-4433	340	57	7881	7881	NUM
ejif-4433	340	58	[	[	SYM
ejif-4433	340	59	20	20	NUM
ejif-4433	340	60	]	]	PUNCT
ejif-4433	340	61	.	.	PUNCT
ejif-4433	341	1	olson	olson	PROPN
ejif-4433	341	2	,	,	PUNCT
ejif-4433	341	3	d.	d.	PROPN
ejif-4433	341	4	,	,	PUNCT
ejif-4433	341	5	&	&	CCONJ
ejif-4433	341	6	zoubi	zoubi	PROPN
ejif-4433	341	7	,	,	PUNCT
ejif-4433	341	8	t.	t.	NOUN
ejif-4433	341	9	a.	a.	NOUN
ejif-4433	341	10	(	(	PUNCT
ejif-4433	341	11	2008	2008	NUM
ejif-4433	341	12	)	)	PUNCT
ejif-4433	341	13	.	.	PUNCT
ejif-4433	342	1	using	use	VERB
ejif-4433	342	2	accounting	accounting	NOUN
ejif-4433	342	3	ratios	ratio	NOUN
ejif-4433	342	4	to	to	PART
ejif-4433	342	5	distinguish	distinguish	VERB
ejif-4433	342	6	between	between	ADP
ejif-4433	342	7	islamic	islamic	ADJ
ejif-4433	342	8	and	and	CCONJ
ejif-4433	342	9	conventional	conventional	ADJ
ejif-4433	342	10	banks	bank	NOUN
ejif-4433	342	11	in	in	ADP
ejif-4433	342	12	the	the	DET
ejif-4433	342	13	gcc	gcc	NOUN
ejif-4433	342	14	region	region	NOUN
ejif-4433	342	15	.	.	PUNCT
ejif-4433	343	1	the	the	DET
ejif-4433	343	2	international	international	ADJ
ejif-4433	343	3	journal	journal	NOUN
ejif-4433	343	4	of	of	ADP
ejif-4433	343	5	accounting	accounting	NOUN
ejif-4433	343	6	,	,	PUNCT
ejif-4433	343	7	43(1	43(1	NOUN
ejif-4433	343	8	)	)	PUNCT
ejif-4433	343	9	,	,	PUNCT
ejif-4433	343	10	45	45	NUM
ejif-4433	343	11	-	-	SYM
ejif-4433	343	12	65	65	NUM
ejif-4433	343	13	.	.	PUNCT
ejif-4433	344	1	[	[	X
ejif-4433	344	2	21	21	NUM
ejif-4433	344	3	]	]	PUNCT
ejif-4433	344	4	.	.	PUNCT
ejif-4433	345	1	pratheepan	pratheepan	PROPN
ejif-4433	345	2	,	,	PUNCT
ejif-4433	345	3	t.	t.	PROPN
ejif-4433	345	4	,	,	PUNCT
ejif-4433	345	5	&	&	CCONJ
ejif-4433	345	6	yatiwella	yatiwella	PROPN
ejif-4433	345	7	,	,	PUNCT
ejif-4433	345	8	w.	w.	PROPN
ejif-4433	345	9	b.	b.	PROPN
ejif-4433	345	10	(	(	PUNCT
ejif-4433	345	11	2016	2016	NUM
ejif-4433	345	12	)	)	PUNCT
ejif-4433	345	13	.	.	PUNCT
ejif-4433	346	1	the	the	DET
ejif-4433	346	2	determinants	determinant	NOUN
ejif-4433	346	3	of	of	ADP
ejif-4433	346	4	capital	capital	NOUN
ejif-4433	346	5	structure	structure	NOUN
ejif-4433	346	6	:	:	PUNCT
ejif-4433	346	7	evidence	evidence	NOUN
ejif-4433	346	8	from	from	ADP
ejif-4433	346	9	selected	select	VERB
ejif-4433	346	10	listed	list	VERB
ejif-4433	346	11	companies	company	NOUN
ejif-4433	346	12	in	in	ADP
ejif-4433	346	13	sri	sri	PROPN
ejif-4433	346	14	lanka	lanka	PROPN
ejif-4433	346	15	.	.	PUNCT
ejif-4433	347	1	international	international	ADJ
ejif-4433	347	2	journal	journal	PROPN
ejif-4433	347	3	of	of	ADP
ejif-4433	347	4	economics	economic	NOUN
ejif-4433	347	5	and	and	CCONJ
ejif-4433	347	6	finance	finance	NOUN
ejif-4433	347	7	,	,	PUNCT
ejif-4433	347	8	8(2	8(2	NUM
ejif-4433	347	9	)	)	PUNCT
ejif-4433	347	10	,	,	PUNCT
ejif-4433	347	11	94	94	NUM
ejif-4433	347	12	-	-	SYM
ejif-4433	347	13	106	106	NUM
ejif-4433	347	14	.	.	PUNCT
ejif-4433	348	1	[	[	X
ejif-4433	348	2	22	22	NUM
ejif-4433	348	3	]	]	PUNCT
ejif-4433	348	4	.	.	PUNCT
ejif-4433	348	5	ramamurthy	ramamurthy	PROPN
ejif-4433	348	6	,	,	PUNCT
ejif-4433	348	7	g.	g.	PROPN
ejif-4433	348	8	(	(	PUNCT
ejif-4433	348	9	2011	2011	NUM
ejif-4433	348	10	)	)	PUNCT
ejif-4433	348	11	.	.	PUNCT
ejif-4433	349	1	research	research	NOUN
ejif-4433	349	2	methodology	methodology	NOUN
ejif-4433	349	3	.	.	PUNCT
ejif-4433	350	1	new	new	ADJ
ejif-4433	350	2	delhi	delhi	ADJ
ejif-4433	350	3	:	:	PUNCT
ejif-4433	350	4	dream	dream	NOUN
ejif-4433	350	5	tech	tech	NOUN
ejif-4433	350	6	press	press	NOUN
ejif-4433	350	7	.	.	PUNCT
ejif-4433	351	1	[	[	X
ejif-4433	351	2	23	23	NUM
ejif-4433	351	3	]	]	PUNCT
ejif-4433	351	4	.	.	PUNCT
ejif-4433	352	1	rasul	rasul	PROPN
ejif-4433	352	2	,	,	PUNCT
ejif-4433	352	3	l.	l.	PROPN
ejif-4433	352	4	m.	m.	PROPN
ejif-4433	352	5	(	(	PUNCT
ejif-4433	352	6	2013	2013	NUM
ejif-4433	352	7	)	)	PUNCT
ejif-4433	352	8	.	.	PUNCT
ejif-4433	353	1	impact	impact	NOUN
ejif-4433	353	2	of	of	ADP
ejif-4433	353	3	liquidity	liquidity	NOUN
ejif-4433	353	4	on	on	ADP
ejif-4433	353	5	islamic	islamic	ADJ
ejif-4433	353	6	banks	bank	NOUN
ejif-4433	353	7	'	'	PART
ejif-4433	353	8	profitability	profitability	NOUN
ejif-4433	353	9	:	:	PUNCT
ejif-4433	353	10	evidence	evidence	NOUN
ejif-4433	353	11	from	from	ADP
ejif-4433	353	12	bangladesh	bangladesh	PROPN
ejif-4433	353	13	.	.	PUNCT
ejif-4433	354	1	acta	acta	PROPN
ejif-4433	354	2	universitatis	universitatis	PROPN
ejif-4433	354	3	danubius	danubius	NOUN
ejif-4433	354	4	.	.	PUNCT
ejif-4433	355	1	œconomica	œconomica	NOUN
ejif-4433	355	2	,	,	PUNCT
ejif-4433	355	3	9(2	9(2	NUM
ejif-4433	355	4	)	)	PUNCT
ejif-4433	355	5	.	.	PUNCT
ejif-4433	356	1	[	[	X
ejif-4433	356	2	24	24	NUM
ejif-4433	356	3	]	]	PUNCT
ejif-4433	356	4	.	.	PUNCT
ejif-4433	357	1	riaz	riaz	PROPN
ejif-4433	357	2	,	,	PUNCT
ejif-4433	357	3	u.	u.	PROPN
ejif-4433	357	4	,	,	PUNCT
ejif-4433	357	5	&	&	CCONJ
ejif-4433	357	6	khan	khan	PROPN
ejif-4433	357	7	,	,	PUNCT
ejif-4433	357	8	n.	n.	PROPN
ejif-4433	357	9	(	(	PUNCT
ejif-4433	357	10	2017	2017	NUM
ejif-4433	357	11	)	)	PUNCT
ejif-4433	357	12	.	.	PUNCT
ejif-4433	358	1	an	an	DET
ejif-4433	358	2	islamic	islamic	ADJ
ejif-4433	358	3	banking	banking	NOUN
ejif-4433	358	4	perspective	perspective	NOUN
ejif-4433	358	5	on	on	ADP
ejif-4433	358	6	consumers	consumer	NOUN
ejif-4433	358	7	’	'	PUNCT
ejif-4433	358	8	perception	perception	NOUN
ejif-4433	358	9	in	in	ADP
ejif-4433	358	10	pakistan	pakistan	PROPN
ejif-4433	358	11	.	.	PUNCT
ejif-4433	359	1	emerald	emerald	PROPN
ejif-4433	359	2	publishing	publishing	PROPN
ejif-4433	359	3	limited	limit	VERB
ejif-4433	359	4	.	.	PUNCT
ejif-4433	360	1	[	[	X
ejif-4433	360	2	25	25	NUM
ejif-4433	360	3	]	]	PUNCT
ejif-4433	360	4	.	.	PUNCT
ejif-4433	361	1	samad	samad	PROPN
ejif-4433	361	2	,	,	PUNCT
ejif-4433	361	3	a.	a.	NOUN
ejif-4433	361	4	(	(	PUNCT
ejif-4433	361	5	2008	2008	NUM
ejif-4433	361	6	)	)	PUNCT
ejif-4433	361	7	.	.	PUNCT
ejif-4433	362	1	market	market	NOUN
ejif-4433	362	2	structure	structure	NOUN
ejif-4433	362	3	,	,	PUNCT
ejif-4433	362	4	conduct	conduct	NOUN
ejif-4433	362	5	and	and	CCONJ
ejif-4433	362	6	performance	performance	NOUN
ejif-4433	362	7	:	:	PUNCT
ejif-4433	362	8	evidence	evidence	NOUN
ejif-4433	362	9	from	from	ADP
ejif-4433	362	10	the	the	DET
ejif-4433	362	11	bangladesh	bangladesh	PROPN
ejif-4433	362	12	banking	banking	NOUN
ejif-4433	362	13	industry	industry	NOUN
ejif-4433	362	14	.	.	PUNCT
ejif-4433	363	1	journal	journal	PROPN
ejif-4433	363	2	of	of	ADP
ejif-4433	363	3	asian	asian	ADJ
ejif-4433	363	4	economics	economic	NOUN
ejif-4433	363	5	,	,	PUNCT
ejif-4433	363	6	19(2	19(2	NUM
ejif-4433	363	7	)	)	PUNCT
ejif-4433	363	8	,	,	PUNCT
ejif-4433	363	9	181	181	NUM
ejif-4433	363	10	-	-	SYM
ejif-4433	363	11	193	193	NUM
ejif-4433	363	12	.	.	PUNCT
ejif-4433	364	1	[	[	X
ejif-4433	364	2	26	26	NUM
ejif-4433	364	3	]	]	PUNCT
ejif-4433	364	4	.	.	PUNCT
ejif-4433	365	1	sekaran	sekaran	NOUN
ejif-4433	365	2	,	,	PUNCT
ejif-4433	365	3	u	u	NOUN
ejif-4433	365	4	,	,	PUNCT
ejif-4433	365	5	(	(	PUNCT
ejif-4433	365	6	2014	2014	NUM
ejif-4433	365	7	)	)	PUNCT
ejif-4433	365	8	.	.	PUNCT
ejif-4433	366	1	stratified	stratify	VERB
ejif-4433	366	2	random	random	ADJ
ejif-4433	366	3	sampling	sampling	NOUN
ejif-4433	366	4	technique	technique	NOUN
ejif-4433	366	5	,	,	PUNCT
ejif-4433	366	6	research	research	NOUN
ejif-4433	366	7	methods	method	NOUN
ejif-4433	366	8	for	for	ADP
ejif-4433	366	9	business	business	NOUN
ejif-4433	366	10	,	,	PUNCT
ejif-4433	366	11	2nd	2nd	ADJ
ejif-4433	366	12	ed	ed	NOUN
ejif-4433	366	13	.	.	PROPN
ejif-4433	366	14	,	,	PUNCT
ejif-4433	366	15	new	new	PROPN
ejif-4433	366	16	york	york	PROPN
ejif-4433	366	17	,	,	PUNCT
ejif-4433	366	18	wiley	wiley	PROPN
ejif-4433	366	19	[	[	X
ejif-4433	366	20	27	27	NUM
ejif-4433	366	21	]	]	PUNCT
ejif-4433	366	22	.	.	PUNCT
ejif-4433	367	1	shafana	shafana	PROPN
ejif-4433	367	2	,	,	PUNCT
ejif-4433	367	3	m.	m.	NOUN
ejif-4433	367	4	(	(	PUNCT
ejif-4433	367	5	2015	2015	NUM
ejif-4433	367	6	)	)	PUNCT
ejif-4433	367	7	.	.	PUNCT
ejif-4433	368	1	liquidity	liquidity	NOUN
ejif-4433	368	2	and	and	CCONJ
ejif-4433	368	3	profitability	profitability	NOUN
ejif-4433	368	4	of	of	ADP
ejif-4433	368	5	financial	financial	ADJ
ejif-4433	368	6	institutions	institution	NOUN
ejif-4433	368	7	in	in	ADP
ejif-4433	368	8	sri	sri	PROPN
ejif-4433	368	9	lanka	lanka	PROPN
ejif-4433	368	10	.	.	PUNCT
ejif-4433	369	1	international	international	ADJ
ejif-4433	369	2	journal	journal	PROPN
ejif-4433	369	3	of	of	ADP
ejif-4433	369	4	science	science	NOUN
ejif-4433	369	5	and	and	CCONJ
ejif-4433	369	6	research	research	NOUN
ejif-4433	369	7	.	.	PUNCT
ejif-4433	370	1	4	4	NUM
ejif-4433	370	2	(	(	PUNCT
ejif-4433	370	3	6	6	NUM
ejif-4433	370	4	):	):	PUNCT
ejif-4433	370	5	589	589	NUM
ejif-4433	370	6	-	-	SYM
ejif-4433	370	7	593	593	NUM
ejif-4433	370	8	.	.	PUNCT
ejif-4433	371	1	[	[	X
ejif-4433	371	2	28	28	NUM
ejif-4433	371	3	]	]	PUNCT
ejif-4433	371	4	.	.	PUNCT
ejif-4433	372	1	wulandari	wulandari	PROPN
ejif-4433	372	2	,	,	PUNCT
ejif-4433	372	3	d.	d.	PROPN
ejif-4433	372	4	,	,	PUNCT
ejif-4433	372	5	&	&	CCONJ
ejif-4433	372	6	subagio	subagio	PROPN
ejif-4433	372	7	,	,	PUNCT
ejif-4433	372	8	a.	a.	NOUN
ejif-4433	372	9	(	(	PUNCT
ejif-4433	372	10	2015	2015	NUM
ejif-4433	372	11	)	)	PUNCT
ejif-4433	372	12	.	.	PUNCT
ejif-4433	373	1	consumer	consumer	NOUN
ejif-4433	373	2	decision	decision	NOUN
ejif-4433	373	3	making	make	VERB
ejif-4433	373	4	in	in	ADP
ejif-4433	373	5	conventional	conventional	ADJ
ejif-4433	373	6	banks	bank	NOUN
ejif-4433	373	7	and	and	CCONJ
ejif-4433	373	8	islamic	islamic	PROPN
ejif-4433	373	9	bank	bank	PROPN
ejif-4433	373	10	based	base	VERB
ejif-4433	373	11	on	on	ADP
ejif-4433	373	12	quality	quality	NOUN
ejif-4433	373	13	of	of	ADP
ejif-4433	373	14	service	service	NOUN
ejif-4433	373	15	perception	perception	NOUN
ejif-4433	373	16	.	.	PUNCT
ejif-4433	374	1	2nd	2nd	ADJ
ejif-4433	374	2	global	global	ADJ
ejif-4433	374	3	conference	conference	NOUN
ejif-4433	374	4	on	on	ADP
ejif-4433	374	5	business	business	NOUN
ejif-4433	374	6	and	and	CCONJ
ejif-4433	374	7	social	social	ADJ
ejif-4433	374	8	science2015	science2015	PROPN
ejif-4433	374	9	,	,	PUNCT
ejif-4433	374	10	gcbss2015	gcbss2015	PROPN
ejif-4433	374	11	,	,	PUNCT
ejif-4433	374	12	17	17	NUM
ejif-4433	374	13	-	-	SYM
ejif-4433	374	14	18	18	NUM
ejif-4433	374	15	(	(	PUNCT
ejif-4433	374	16	pp	pp	ADJ
ejif-4433	374	17	.	.	PUNCT
ejif-4433	375	1	471	471	NUM
ejif-4433	375	2	-	-	SYM
ejif-4433	375	3	475	475	NUM
ejif-4433	375	4	)	)	PUNCT
ejif-4433	375	5	.	.	PUNCT
ejif-4433	376	1	bali	bali	PROPN
ejif-4433	376	2	,	,	PUNCT
ejif-4433	376	3	indonesia	indonesia	PROPN
ejif-4433	376	4	:	:	PUNCT
ejif-4433	376	5	elsevier	elsevier	PROPN
ejif-4433	376	6	ltd	ltd	PROPN
ejif-4433	376	7	.	.	PUNCT
ejif-4433	377	1	[	[	X
ejif-4433	377	2	29	29	NUM
ejif-4433	377	3	]	]	PUNCT
ejif-4433	377	4	.	.	PUNCT
ejif-4433	378	1	yusoff	yusoff	PROPN
ejif-4433	378	2	,	,	PUNCT
ejif-4433	378	3	r.	r.	PROPN
ejif-4433	378	4	,	,	PUNCT
ejif-4433	378	5	&	&	CCONJ
ejif-4433	378	6	azurah	azurah	PROPN
ejif-4433	378	7	,	,	PUNCT
ejif-4433	378	8	n.	n.	PROPN
ejif-4433	378	9	m.	m.	PROPN
ejif-4433	378	10	k.	k.	PROPN
ejif-4433	379	1	(	(	PUNCT
ejif-4433	379	2	2014	2014	NUM
ejif-4433	379	3	)	)	PUNCT
ejif-4433	379	4	.	.	PUNCT
ejif-4433	380	1	selection	selection	NOUN
ejif-4433	380	2	factors	factor	NOUN
ejif-4433	380	3	of	of	ADP
ejif-4433	380	4	the	the	DET
ejif-4433	380	5	acceptance	acceptance	NOUN
ejif-4433	380	6	alijarahthumma	alijarahthumma	PROPN
ejif-4433	380	7	al	al	PROPN
ejif-4433	380	8	bay	bay	PROPN
ejif-4433	380	9	(	(	PUNCT
ejif-4433	380	10	aitab	aitab	PROPN
ejif-4433	380	11	)	)	PUNCT
ejif-4433	380	12	in	in	ADP
ejif-4433	380	13	kota	kota	PROPN
ejif-4433	380	14	bharu	bharu	PROPN
ejif-4433	380	15	,	,	PUNCT
ejif-4433	380	16	kelantan	kelantan	PROPN
ejif-4433	380	17	.	.	PUNCT
ejif-4433	381	1	malaysian	malaysian	ADJ
ejif-4433	381	2	journal	journal	PROPN
ejif-4433	381	3	of	of	ADP
ejif-4433	381	4	business	business	NOUN
ejif-4433	381	5	and	and	CCONJ
ejif-4433	381	6	economics	economic	NOUN
ejif-4433	381	7	,	,	PUNCT
ejif-4433	381	8	1(2	1(2	NUM
ejif-4433	381	9	)	)	PUNCT
ejif-4433	381	10	,	,	PUNCT
ejif-4433	381	11	23–50	23–50	NUM
ejif-4433	381	12	.	.	PUNCT
ejif-4433	382	1	[	[	X
ejif-4433	382	2	30	30	NUM
ejif-4433	382	3	]	]	PUNCT
ejif-4433	382	4	.	.	PUNCT
ejif-4433	382	5	zubair	zubair	PROPN
ejif-4433	382	6	,	,	PUNCT
ejif-4433	382	7	h.	h.	PROPN
ejif-4433	382	8	m	m	PROPN
ejif-4433	382	9	&	&	CCONJ
ejif-4433	382	10	chaudry	chaudry	PROPN
ejif-4433	382	11	,	,	PUNCT
ejif-4433	382	12	n.	n.	PROPN
ejif-4433	382	13	g.	g.	PROPN
ejif-4433	382	14	(	(	PUNCT
ejif-4433	382	15	2014	2014	NUM
ejif-4433	382	16	)	)	PUNCT
ejif-4433	382	17	,	,	PUNCT
ejif-4433	382	18	islamic	islamic	ADJ
ejif-4433	382	19	banking	banking	NOUN
ejif-4433	382	20	in	in	ADP
ejif-4433	382	21	pakistan	pakistan	PROPN
ejif-4433	382	22	:	:	PUNCT
ejif-4433	382	23	a	a	DET
ejif-4433	382	24	critical	critical	ADJ
ejif-4433	382	25	review	review	NOUN
ejif-4433	382	26	,	,	PUNCT
ejif-4433	382	27	international	international	ADJ
ejif-4433	382	28	journal	journal	NOUN
ejif-4433	382	29	of	of	ADP
ejif-4433	382	30	humanities	humanity	NOUN
ejif-4433	382	31	and	and	CCONJ
ejif-4433	382	32	social	social	ADJ
ejif-4433	382	33	scienc	scienc	PROPN
ejif-4433	382	34	,	,	PUNCT
ejif-4433	382	35	4(2	4(2	NUM
ejif-4433	382	36	)	)	PUNCT
ejif-4433	382	37	.	.	PUNCT
ejif-4433	383	1	ejif	ejif	PROPN
ejif-4433	383	2	–	–	PUNCT
ejif-4433	383	3	european	european	PROPN
ejif-4433	383	4	journal	journal	PROPN
ejif-4433	383	5	of	of	ADP
ejif-4433	383	6	islamic	islamic	PROPN
ejif-4433	383	7	finance	finance	PROPN
ejif-4433	383	8	no15	no15	PROPN
ejif-4433	383	9	,	,	PUNCT
ejif-4433	383	10	august	august	PROPN
ejif-4433	383	11	(	(	PUNCT
ejif-4433	383	12	2020	2020	NUM
ejif-4433	383	13	)	)	PUNCT
ejif-4433	384	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	384	2	issn	issn	VERB
ejif-4433	384	3	2421	2421	NUM
ejif-4433	384	4	-	-	SYM
ejif-4433	384	5	2172	2172	NUM
ejif-4433	384	6	13	13	NUM
ejif-4433	385	1	[	[	X
ejif-4433	385	2	31	31	NUM
ejif-4433	385	3	]	]	PUNCT
ejif-4433	385	4	.	.	PUNCT
ejif-4433	386	1	biancone	biancone	NOUN
ejif-4433	386	2	,	,	PUNCT
ejif-4433	386	3	p.	p.	PROPN
ejif-4433	386	4	p.	p.	PROPN
ejif-4433	386	5	,	,	PUNCT
ejif-4433	386	6	&	&	CCONJ
ejif-4433	386	7	radwan	radwan	PROPN
ejif-4433	386	8	,	,	PUNCT
ejif-4433	386	9	m.	m.	NOUN
ejif-4433	386	10	(	(	PUNCT
ejif-4433	386	11	2018	2018	NUM
ejif-4433	386	12	)	)	PUNCT
ejif-4433	386	13	.	.	PUNCT
ejif-4433	387	1	shariacompliant	shariacompliant	ADJ
ejif-4433	387	2	financing	financing	NOUN
ejif-4433	387	3	for	for	ADP
ejif-4433	387	4	public	public	ADJ
ejif-4433	387	5	utility	utility	NOUN
ejif-4433	387	6	infrastructure	infrastructure	NOUN
ejif-4433	387	7	.	.	PUNCT
ejif-4433	388	1	utilities	utility	NOUN
ejif-4433	388	2	policy	policy	NOUN
ejif-4433	388	3	,	,	PUNCT
ejif-4433	388	4	52	52	NUM
ejif-4433	388	5	,	,	PUNCT
ejif-4433	388	6	88	88	NUM
ejif-4433	388	7	-	-	SYM
ejif-4433	388	8	94	94	NUM
ejif-4433	388	9	.	.	PUNCT
ejif-4433	389	1	[	[	X
ejif-4433	389	2	32	32	NUM
ejif-4433	389	3	]	]	PUNCT
ejif-4433	389	4	.	.	PUNCT
ejif-4433	390	1	biancone	biancone	NOUN
ejif-4433	390	2	,	,	PUNCT
ejif-4433	390	3	p.	p.	NOUN
ejif-4433	390	4	,	,	PUNCT
ejif-4433	390	5	&	&	CCONJ
ejif-4433	390	6	secinaro	secinaro	NOUN
ejif-4433	390	7	,	,	PUNCT
ejif-4433	390	8	s.	s.	PROPN
ejif-4433	390	9	(	(	PUNCT
ejif-4433	390	10	2016	2016	NUM
ejif-4433	390	11	)	)	PUNCT
ejif-4433	390	12	.	.	PUNCT
ejif-4433	391	1	the	the	DET
ejif-4433	391	2	equity	equity	PROPN
ejif-4433	391	3	crowdfunding	crowdfunding	PROPN
ejif-4433	391	4	italy	italy	PROPN
ejif-4433	391	5	:	:	PUNCT
ejif-4433	391	6	a	a	DET
ejif-4433	391	7	model	model	NOUN
ejif-4433	391	8	sharia	sharia	PROPN
ejif-4433	391	9	compliant	compliant	PROPN
ejif-4433	391	10	.	.	PUNCT
ejif-4433	392	1	european	european	PROPN
ejif-4433	392	2	journal	journal	PROPN
ejif-4433	392	3	of	of	ADP
ejif-4433	392	4	islamic	islamic	PROPN
ejif-4433	392	5	finance	finance	NOUN
ejif-4433	392	6	,	,	PUNCT
ejif-4433	392	7	5	5	NUM
ejif-4433	392	8	,	,	PUNCT
ejif-4433	392	9	1	1	NUM
ejif-4433	392	10	-	-	SYM
ejif-4433	392	11	10	10	NUM
ejif-4433	392	12	.	.	PUNCT
ejif-4433	393	1	[	[	X
ejif-4433	393	2	33	33	NUM
ejif-4433	393	3	]	]	PUNCT
ejif-4433	393	4	.	.	PUNCT
ejif-4433	394	1	biancone	biancone	NOUN
ejif-4433	394	2	,	,	PUNCT
ejif-4433	394	3	p.	p.	PROPN
ejif-4433	394	4	p.	p.	PROPN
ejif-4433	394	5	,	,	PUNCT
ejif-4433	394	6	&	&	CCONJ
ejif-4433	394	7	radwan	radwan	PROPN
ejif-4433	394	8	,	,	PUNCT
ejif-4433	394	9	m.	m.	NOUN
ejif-4433	394	10	(	(	PUNCT
ejif-4433	394	11	2016	2016	NUM
ejif-4433	394	12	)	)	PUNCT
ejif-4433	394	13	.	.	PUNCT
ejif-4433	395	1	european	european	ADJ
ejif-4433	395	2	companies	company	NOUN
ejif-4433	395	3	:	:	PUNCT
ejif-4433	395	4	evaluation	evaluation	NOUN
ejif-4433	395	5	for	for	ADP
ejif-4433	395	6	sharia	sharia	PROPN
ejif-4433	395	7	compliance	compliance	NOUN
ejif-4433	395	8	“	"	PUNCT
ejif-4433	395	9	opportunities	opportunity	NOUN
ejif-4433	395	10	and	and	CCONJ
ejif-4433	395	11	challenges	challenge	NOUN
ejif-4433	395	12	”	"	PUNCT
ejif-4433	395	13	.	.	PUNCT
ejif-4433	396	1	european	european	PROPN
ejif-4433	396	2	journal	journal	PROPN
ejif-4433	396	3	of	of	ADP
ejif-4433	396	4	islamic	islamic	PROPN
ejif-4433	396	5	finance	finance	PROPN
ejif-4433	396	6	,	,	PUNCT
ejif-4433	396	7	(	(	PUNCT
ejif-4433	396	8	5	5	NUM
ejif-4433	396	9	)	)	PUNCT
ejif-4433	396	10	.	.	PUNCT
ejif-4433	397	1	ejif	ejif	PROPN
ejif-4433	397	2	–	–	PUNCT
ejif-4433	397	3	european	european	PROPN
ejif-4433	397	4	journal	journal	PROPN
ejif-4433	397	5	of	of	ADP
ejif-4433	397	6	islamic	islamic	PROPN
ejif-4433	397	7	finance	finance	PROPN
ejif-4433	397	8	no15	no15	PROPN
ejif-4433	397	9	,	,	PUNCT
ejif-4433	397	10	august	august	PROPN
ejif-4433	397	11	(	(	PUNCT
ejif-4433	397	12	2020	2020	NUM
ejif-4433	397	13	)	)	PUNCT
ejif-4433	398	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4433	398	2	issn	issn	VERB
ejif-4433	398	3	2421	2421	NUM
ejif-4433	398	4	-	-	SYM
ejif-4433	398	5	2172	2172	NUM
ejif-4433	398	6	14	14	NUM