id	sid	tid	token	lemma	pos
ejif-6202	1	1	european	european	PROPN
ejif-6202	1	2	journal	journal	PROPN
ejif-6202	1	3	of	of	ADP
ejif-6202	1	4	islamic	islamic	PROPN
ejif-6202	1	5	finance	finance	PROPN
ejif-6202	1	6	issn	issn	PROPN
ejif-6202	1	7	:	:	PUNCT
ejif-6202	1	8	2421	2421	NUM
ejif-6202	1	9	-	-	SYM
ejif-6202	1	10	2172	2172	NUM
ejif-6202	1	11	doi	doi	NOUN
ejif-6202	1	12	:	:	PUNCT
ejif-6202	1	13	10.13135/2421	10.13135/2421	NUM
ejif-6202	1	14	-	-	PUNCT
ejif-6202	1	15	2172/6202published	2172/6202publishe	VERB
ejif-6202	1	16	by	by	ADP
ejif-6202	1	17	the	the	DET
ejif-6202	1	18	university	university	PROPN
ejif-6202	1	19	of	of	ADP
ejif-6202	1	20	turin	turin	PROPN
ejif-6202	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	2	2	ejif	ejif	PROPN
ejif-6202	2	3	content	content	NOUN
ejif-6202	2	4	is	be	AUX
ejif-6202	2	5	licensed	license	VERB
ejif-6202	2	6	under	under	ADP
ejif-6202	2	7	a	a	DET
ejif-6202	2	8	creative	creative	ADJ
ejif-6202	2	9	commons	common	NOUN
ejif-6202	2	10	attribution	attribution	NOUN
ejif-6202	2	11	4.0	4.0	NUM
ejif-6202	2	12	international	international	ADJ
ejif-6202	2	13	license	license	NOUN
ejif-6202	2	14	received	receive	VERB
ejif-6202	2	15	:	:	PUNCT
ejif-6202	2	16	11/08/2021	11/08/2021	NUM
ejif-6202	2	17	accepted	accept	VERB
ejif-6202	2	18	for	for	ADP
ejif-6202	2	19	publication	publication	NOUN
ejif-6202	2	20	:	:	PUNCT
ejif-6202	2	21	20/07/2022	20/07/2022	NUM
ejif-6202	2	22	published	publish	VERB
ejif-6202	2	23	:	:	PUNCT
ejif-6202	2	24	29/07/2022	29/07/2022	NUM
ejif-6202	2	25	35	35	NUM
ejif-6202	2	26	a	a	DET
ejif-6202	2	27	deep	deep	ADJ
ejif-6202	2	28	learning	learning	NOUN
ejif-6202	2	29	approach	approach	NOUN
ejif-6202	2	30	to	to	ADP
ejif-6202	2	31	risk	risk	NOUN
ejif-6202	2	32	management	management	NOUN
ejif-6202	2	33	modeling	modeling	NOUN
ejif-6202	2	34	for	for	ADP
ejif-6202	2	35	islamic	islamic	ADJ
ejif-6202	2	36	microfinance	microfinance	NOUN
ejif-6202	2	37	klemens	klemens	PROPN
ejif-6202	2	38	katterbauer1	katterbauer1	PROPN
ejif-6202	2	39	,	,	PUNCT
ejif-6202	2	40	philippe	philippe	PROPN
ejif-6202	2	41	moschetta2	moschetta2	PROPN
ejif-6202	2	42	1,2	1,2	NUM
ejif-6202	2	43	euclid	euclid	PROPN
ejif-6202	2	44	university	university	PROPN
ejif-6202	2	45	,	,	PUNCT
ejif-6202	2	46	central	central	PROPN
ejif-6202	2	47	africa	africa	PROPN
ejif-6202	2	48	republic	republic	PROPN
ejif-6202	2	49	corresponding	correspond	VERB
ejif-6202	2	50	author	author	NOUN
ejif-6202	2	51	1	1	NUM
ejif-6202	2	52	*	*	NUM
ejif-6202	2	53	:	:	PUNCT
ejif-6202	3	1	katterbauer@euclidfaculty.net	katterbauer@euclidfaculty.net	PROPN
ejif-6202	3	2	contact	contact	NOUN
ejif-6202	3	3	author	author	NOUN
ejif-6202	3	4	2	2	NUM
ejif-6202	3	5	:	:	PUNCT
ejif-6202	3	6	philippe.1@euclidfaculty.net	philippe.1@euclidfaculty.net	ADJ
ejif-6202	3	7	abstract	abstract	NOUN
ejif-6202	3	8	—	—	PUNCT
ejif-6202	3	9	islamic	islamic	ADJ
ejif-6202	3	10	microfinance	microfinance	NOUN
ejif-6202	3	11	rides	ride	VERB
ejif-6202	3	12	two	two	NUM
ejif-6202	3	13	recent	recent	ADJ
ejif-6202	3	14	growing	grow	VERB
ejif-6202	3	15	trends	trend	NOUN
ejif-6202	3	16	:	:	PUNCT
ejif-6202	3	17	conventional	conventional	ADJ
ejif-6202	3	18	microfinance	microfinance	NOUN
ejif-6202	3	19	and	and	CCONJ
ejif-6202	3	20	islamic	islamic	ADJ
ejif-6202	3	21	banking	banking	NOUN
ejif-6202	3	22	.	.	PUNCT
ejif-6202	4	1	it	it	PRON
ejif-6202	4	2	offers	offer	VERB
ejif-6202	4	3	financial	financial	ADJ
ejif-6202	4	4	flexibility	flexibility	NOUN
ejif-6202	4	5	to	to	ADP
ejif-6202	4	6	the	the	DET
ejif-6202	4	7	poorest	poor	ADJ
ejif-6202	4	8	strata	strata	NOUN
ejif-6202	4	9	of	of	ADP
ejif-6202	4	10	the	the	DET
ejif-6202	4	11	population	population	NOUN
ejif-6202	4	12	in	in	ADP
ejif-6202	4	13	different	different	ADJ
ejif-6202	4	14	muslim	muslim	ADJ
ejif-6202	4	15	countries	country	NOUN
ejif-6202	4	16	by	by	ADP
ejif-6202	4	17	borrowing	borrow	VERB
ejif-6202	4	18	and	and	CCONJ
ejif-6202	4	19	mixing	mix	VERB
ejif-6202	4	20	techniques	technique	NOUN
ejif-6202	4	21	from	from	ADP
ejif-6202	4	22	these	these	DET
ejif-6202	4	23	two	two	NUM
ejif-6202	4	24	sources	source	NOUN
ejif-6202	4	25	.	.	PUNCT
ejif-6202	5	1	in	in	ADP
ejif-6202	5	2	particular	particular	ADJ
ejif-6202	5	3	,	,	PUNCT
ejif-6202	5	4	risk	risk	NOUN
ejif-6202	5	5	management	management	NOUN
ejif-6202	5	6	and	and	CCONJ
ejif-6202	5	7	loan	loan	NOUN
ejif-6202	5	8	qualifications	qualification	NOUN
ejif-6202	5	9	tend	tend	VERB
ejif-6202	5	10	to	to	PART
ejif-6202	5	11	be	be	AUX
ejif-6202	5	12	similar	similar	ADJ
ejif-6202	5	13	to	to	ADP
ejif-6202	5	14	those	those	PRON
ejif-6202	5	15	operating	operate	VERB
ejif-6202	5	16	inside	inside	ADP
ejif-6202	5	17	conventional	conventional	ADJ
ejif-6202	5	18	and	and	CCONJ
ejif-6202	5	19	islamic	islamic	ADJ
ejif-6202	5	20	financial	financial	ADJ
ejif-6202	5	21	institutions	institution	NOUN
ejif-6202	5	22	.	.	PUNCT
ejif-6202	6	1	the	the	DET
ejif-6202	6	2	loan	loan	NOUN
ejif-6202	6	3	approval	approval	NOUN
ejif-6202	6	4	process	process	NOUN
ejif-6202	6	5	heavily	heavily	ADV
ejif-6202	6	6	relies	rely	VERB
ejif-6202	6	7	on	on	ADP
ejif-6202	6	8	scoring	score	VERB
ejif-6202	6	9	applicants	applicant	NOUN
ejif-6202	6	10	mostly	mostly	ADV
ejif-6202	6	11	on	on	ADP
ejif-6202	6	12	their	their	PRON
ejif-6202	6	13	financial	financial	ADJ
ejif-6202	6	14	criteria	criterion	NOUN
ejif-6202	6	15	.	.	PUNCT
ejif-6202	7	1	this	this	DET
ejif-6202	7	2	paper	paper	NOUN
ejif-6202	7	3	aims	aim	VERB
ejif-6202	7	4	to	to	PART
ejif-6202	7	5	demonstrate	demonstrate	VERB
ejif-6202	7	6	that	that	SCONJ
ejif-6202	7	7	an	an	DET
ejif-6202	7	8	alternative	alternative	ADJ
ejif-6202	7	9	framework	framework	NOUN
ejif-6202	7	10	based	base	VERB
ejif-6202	7	11	on	on	ADP
ejif-6202	7	12	artificial	artificial	ADJ
ejif-6202	7	13	intelligence	intelligence	NOUN
ejif-6202	7	14	improves	improve	VERB
ejif-6202	7	15	traditional	traditional	ADJ
ejif-6202	7	16	financial	financial	ADJ
ejif-6202	7	17	techniques	technique	NOUN
ejif-6202	7	18	.	.	PUNCT
ejif-6202	8	1	this	this	DET
ejif-6202	8	2	framework	framework	NOUN
ejif-6202	8	3	also	also	ADV
ejif-6202	8	4	resonates	resonate	VERB
ejif-6202	8	5	more	more	ADV
ejif-6202	8	6	with	with	ADP
ejif-6202	8	7	the	the	DET
ejif-6202	8	8	fundamental	fundamental	ADJ
ejif-6202	8	9	and	and	CCONJ
ejif-6202	8	10	specific	specific	ADJ
ejif-6202	8	11	values	value	NOUN
ejif-6202	8	12	of	of	ADP
ejif-6202	8	13	islamic	islamic	ADJ
ejif-6202	8	14	microfinance	microfinance	NOUN
ejif-6202	8	15	as	as	SCONJ
ejif-6202	8	16	it	it	PRON
ejif-6202	8	17	captures	capture	VERB
ejif-6202	8	18	some	some	DET
ejif-6202	8	19	non	non	ADJ
ejif-6202	8	20	-	-	ADJ
ejif-6202	8	21	financial	financial	ADJ
ejif-6202	8	22	attributes	attribute	NOUN
ejif-6202	8	23	of	of	ADP
ejif-6202	8	24	the	the	DET
ejif-6202	8	25	applicant	applicant	NOUN
ejif-6202	8	26	that	that	PRON
ejif-6202	8	27	are	be	AUX
ejif-6202	8	28	informationally	informationally	ADV
ejif-6202	8	29	rich	rich	ADJ
ejif-6202	8	30	.	.	PUNCT
ejif-6202	9	1	we	we	PRON
ejif-6202	9	2	first	first	ADV
ejif-6202	9	3	present	present	VERB
ejif-6202	9	4	the	the	DET
ejif-6202	9	5	critical	critical	ADJ
ejif-6202	9	6	components	component	NOUN
ejif-6202	9	7	of	of	ADP
ejif-6202	9	8	this	this	DET
ejif-6202	9	9	novel	novel	ADJ
ejif-6202	9	10	approach	approach	NOUN
ejif-6202	9	11	.	.	PUNCT
ejif-6202	10	1	then	then	ADV
ejif-6202	10	2	,	,	PUNCT
ejif-6202	10	3	we	we	PRON
ejif-6202	10	4	apply	apply	VERB
ejif-6202	10	5	it	it	PRON
ejif-6202	10	6	to	to	ADP
ejif-6202	10	7	a	a	DET
ejif-6202	10	8	business	business	NOUN
ejif-6202	10	9	case	case	NOUN
ejif-6202	10	10	(	(	PUNCT
ejif-6202	10	11	approximately	approximately	ADV
ejif-6202	10	12	30,000	30,000	NUM
ejif-6202	10	13	applications	application	NOUN
ejif-6202	10	14	to	to	ADP
ejif-6202	10	15	a	a	DET
ejif-6202	10	16	microfinancing	microfinancing	NOUN
ejif-6202	10	17	institution	institution	NOUN
ejif-6202	10	18	in	in	ADP
ejif-6202	10	19	the	the	DET
ejif-6202	10	20	central	central	ADJ
ejif-6202	10	21	african	african	ADJ
ejif-6202	10	22	republic	republic	NOUN
ejif-6202	10	23	)	)	PUNCT
ejif-6202	10	24	to	to	PART
ejif-6202	10	25	demonstrate	demonstrate	VERB
ejif-6202	10	26	its	its	PRON
ejif-6202	10	27	usefulness	usefulness	NOUN
ejif-6202	10	28	.	.	PUNCT
ejif-6202	11	1	keywords	keyword	NOUN
ejif-6202	11	2	-	-	PUNCT
ejif-6202	11	3	component	component	NOUN
ejif-6202	11	4	;	;	PUNCT
ejif-6202	11	5	islamic	islamic	ADJ
ejif-6202	11	6	microfinancing	microfinancing	NOUN
ejif-6202	11	7	,	,	PUNCT
ejif-6202	11	8	artificial	artificial	ADJ
ejif-6202	11	9	intelligence	intelligence	NOUN
ejif-6202	11	10	,	,	PUNCT
ejif-6202	11	11	risk	risk	NOUN
ejif-6202	11	12	management	management	NOUN
ejif-6202	11	13	,	,	PUNCT
ejif-6202	11	14	shariah	shariah	PROPN
ejif-6202	11	15	law	law	PROPN
ejif-6202	11	16	,	,	PUNCT
ejif-6202	11	17	data	data	NOUN
ejif-6202	11	18	-	-	PUNCT
ejif-6202	11	19	driven	drive	VERB
ejif-6202	11	20	study	study	NOUN
ejif-6202	11	21	i.	i.	NOUN
ejif-6202	11	22	introduction	introduction	PROPN
ejif-6202	11	23	a.	a.	NOUN
ejif-6202	12	1	the	the	DET
ejif-6202	12	2	islamic	islamic	ADJ
ejif-6202	12	3	microfinance	microfinance	NOUN
ejif-6202	12	4	context	context	NOUN
ejif-6202	12	5	microfinancing	microfinancing	NOUN
ejif-6202	12	6	has	have	AUX
ejif-6202	12	7	been	be	AUX
ejif-6202	12	8	a	a	DET
ejif-6202	12	9	growth	growth	NOUN
ejif-6202	12	10	area	area	NOUN
ejif-6202	12	11	of	of	ADP
ejif-6202	12	12	modern	modern	ADJ
ejif-6202	12	13	finance	finance	NOUN
ejif-6202	12	14	in	in	ADP
ejif-6202	12	15	developing	develop	VERB
ejif-6202	12	16	countries	country	NOUN
ejif-6202	12	17	.	.	PUNCT
ejif-6202	13	1	it	it	PRON
ejif-6202	13	2	provides	provide	VERB
ejif-6202	13	3	individuals	individual	NOUN
ejif-6202	13	4	with	with	ADP
ejif-6202	13	5	modest	modest	ADJ
ejif-6202	13	6	financing	financing	NOUN
ejif-6202	13	7	options	option	NOUN
ejif-6202	13	8	.	.	PUNCT
ejif-6202	14	1	it	it	PRON
ejif-6202	14	2	allows	allow	VERB
ejif-6202	14	3	them	they	PRON
ejif-6202	14	4	to	to	PART
ejif-6202	14	5	escape	escape	VERB
ejif-6202	14	6	poverty	poverty	NOUN
ejif-6202	14	7	and	and	CCONJ
ejif-6202	14	8	overcome	overcome	VERB
ejif-6202	14	9	some	some	PRON
ejif-6202	14	10	of	of	ADP
ejif-6202	14	11	the	the	DET
ejif-6202	14	12	restrictions	restriction	NOUN
ejif-6202	14	13	encountered	encounter	VERB
ejif-6202	14	14	in	in	ADP
ejif-6202	14	15	conventional	conventional	ADJ
ejif-6202	14	16	banking	banking	NOUN
ejif-6202	14	17	based	base	VERB
ejif-6202	14	18	on	on	ADP
ejif-6202	14	19	strict	strict	ADJ
ejif-6202	14	20	demand	demand	NOUN
ejif-6202	14	21	for	for	ADP
ejif-6202	14	22	collateral	collateral	NOUN
ejif-6202	14	23	and	and	CCONJ
ejif-6202	14	24	strong	strong	ADJ
ejif-6202	14	25	credit	credit	NOUN
ejif-6202	14	26	history	history	NOUN
ejif-6202	14	27	.	.	PUNCT
ejif-6202	15	1	deprivation	deprivation	NOUN
ejif-6202	15	2	continues	continue	VERB
ejif-6202	15	3	to	to	PART
ejif-6202	15	4	be	be	AUX
ejif-6202	15	5	a	a	DET
ejif-6202	15	6	significant	significant	ADJ
ejif-6202	15	7	challenge	challenge	NOUN
ejif-6202	15	8	in	in	ADP
ejif-6202	15	9	many	many	ADJ
ejif-6202	15	10	muslim	muslim	ADJ
ejif-6202	15	11	communities	community	NOUN
ejif-6202	15	12	:	:	PUNCT
ejif-6202	15	13	more	more	ADJ
ejif-6202	15	14	than	than	ADP
ejif-6202	15	15	500	500	NUM
ejif-6202	15	16	million	million	NUM
ejif-6202	15	17	individuals	individual	NOUN
ejif-6202	15	18	live	live	VERB
ejif-6202	15	19	on	on	ADP
ejif-6202	15	20	less	less	ADJ
ejif-6202	15	21	than	than	ADP
ejif-6202	15	22	2	2	NUM
ejif-6202	15	23	us	us	PROPN
ejif-6202	15	24	dollars	dollar	NOUN
ejif-6202	15	25	per	per	ADP
ejif-6202	15	26	day	day	NOUN
ejif-6202	15	27	in	in	ADP
ejif-6202	15	28	indonesia	indonesia	PROPN
ejif-6202	15	29	,	,	PUNCT
ejif-6202	15	30	pakistan	pakistan	PROPN
ejif-6202	15	31	,	,	PUNCT
ejif-6202	15	32	india	india	PROPN
ejif-6202	15	33	,	,	PUNCT
ejif-6202	15	34	bangladesh	bangladesh	PROPN
ejif-6202	15	35	,	,	PUNCT
ejif-6202	15	36	egypt	egypt	PROPN
ejif-6202	15	37	,	,	PUNCT
ejif-6202	15	38	and	and	CCONJ
ejif-6202	15	39	nigeria	nigeria	PROPN
ejif-6202	15	40	.	.	PUNCT
ejif-6202	16	1	these	these	DET
ejif-6202	16	2	individuals	individual	NOUN
ejif-6202	16	3	struggle	struggle	VERB
ejif-6202	16	4	given	give	VERB
ejif-6202	16	5	the	the	DET
ejif-6202	16	6	lack	lack	NOUN
ejif-6202	16	7	of	of	ADP
ejif-6202	16	8	sufficient	sufficient	ADJ
ejif-6202	16	9	liquidity	liquidity	NOUN
ejif-6202	16	10	,	,	PUNCT
ejif-6202	16	11	savings	saving	NOUN
ejif-6202	16	12	management	management	NOUN
ejif-6202	16	13	,	,	PUNCT
ejif-6202	16	14	and	and	CCONJ
ejif-6202	16	15	ability	ability	NOUN
ejif-6202	16	16	to	to	PART
ejif-6202	16	17	transfer	transfer	VERB
ejif-6202	16	18	and	and	CCONJ
ejif-6202	16	19	receive	receive	VERB
ejif-6202	16	20	money	money	NOUN
ejif-6202	17	1	[	[	X
ejif-6202	17	2	1	1	NUM
ejif-6202	17	3	]	]	PUNCT
ejif-6202	17	4	.	.	PUNCT
ejif-6202	18	1	islamic	islamic	ADJ
ejif-6202	18	2	microfinance	microfinance	NOUN
ejif-6202	18	3	has	have	AUX
ejif-6202	18	4	been	be	AUX
ejif-6202	18	5	posited	posit	VERB
ejif-6202	18	6	as	as	ADP
ejif-6202	18	7	an	an	DET
ejif-6202	18	8	innovative	innovative	ADJ
ejif-6202	18	9	instrument	instrument	NOUN
ejif-6202	18	10	for	for	ADP
ejif-6202	18	11	poverty	poverty	NOUN
ejif-6202	18	12	alleviation	alleviation	NOUN
ejif-6202	18	13	.	.	PUNCT
ejif-6202	19	1	in	in	ADP
ejif-6202	19	2	contrast	contrast	NOUN
ejif-6202	19	3	with	with	ADP
ejif-6202	19	4	traditional	traditional	ADJ
ejif-6202	19	5	microloans	microloan	NOUN
ejif-6202	19	6	,	,	PUNCT
ejif-6202	19	7	shariah	shariah	PROPN
ejif-6202	19	8	-	-	PUNCT
ejif-6202	19	9	compliant	compliant	ADJ
ejif-6202	19	10	financing	financing	NOUN
ejif-6202	19	11	options	option	NOUN
ejif-6202	19	12	offer	offer	VERB
ejif-6202	19	13	a	a	DET
ejif-6202	19	14	more	more	ADV
ejif-6202	19	15	suitable	suitable	ADJ
ejif-6202	19	16	answer	answer	NOUN
ejif-6202	19	17	for	for	ADP
ejif-6202	19	18	muslim	muslim	ADJ
ejif-6202	19	19	borrowers	borrower	NOUN
ejif-6202	19	20	[	[	X
ejif-6202	19	21	2	2	NUM
ejif-6202	19	22	]	]	PUNCT
ejif-6202	19	23	.	.	PUNCT
ejif-6202	20	1	we	we	PRON
ejif-6202	20	2	often	often	ADV
ejif-6202	20	3	see	see	VERB
ejif-6202	20	4	a	a	DET
ejif-6202	20	5	recourse	recourse	NOUN
ejif-6202	20	6	to	to	ADP
ejif-6202	20	7	a	a	DET
ejif-6202	20	8	blend	blend	NOUN
ejif-6202	20	9	between	between	ADP
ejif-6202	20	10	conventional	conventional	ADJ
ejif-6202	20	11	high	high	ADJ
ejif-6202	20	12	-	-	PUNCT
ejif-6202	20	13	interest	interest	NOUN
ejif-6202	20	14	microfinancing	microfinancing	NOUN
ejif-6202	20	15	and	and	CCONJ
ejif-6202	20	16	their	their	PRON
ejif-6202	20	17	islamic	islamic	ADJ
ejif-6202	20	18	version	version	NOUN
ejif-6202	20	19	,	,	PUNCT
ejif-6202	20	20	but	but	CCONJ
ejif-6202	20	21	both	both	PRON
ejif-6202	20	22	rely	rely	VERB
ejif-6202	20	23	on	on	ADP
ejif-6202	20	24	the	the	DET
ejif-6202	20	25	existence	existence	NOUN
ejif-6202	20	26	of	of	ADP
ejif-6202	20	27	collateral	collateral	NOUN
ejif-6202	20	28	.	.	PUNCT
ejif-6202	21	1	the	the	DET
ejif-6202	21	2	first	first	ADJ
ejif-6202	21	3	advantage	advantage	NOUN
ejif-6202	21	4	of	of	ADP
ejif-6202	21	5	the	the	DET
ejif-6202	21	6	islamic	islamic	ADJ
ejif-6202	21	7	option	option	NOUN
ejif-6202	21	8	with	with	ADP
ejif-6202	21	9	collateral	collateral	NOUN
ejif-6202	21	10	(	(	PUNCT
ejif-6202	21	11	e.g.	e.g.	ADV
ejif-6202	21	12	,	,	PUNCT
ejif-6202	21	13	jewelry	jewelry	NOUN
ejif-6202	21	14	or	or	CCONJ
ejif-6202	21	15	gold	gold	NOUN
ejif-6202	21	16	)	)	PUNCT
ejif-6202	21	17	is	be	AUX
ejif-6202	21	18	the	the	DET
ejif-6202	21	19	continual	continual	ADJ
ejif-6202	21	20	roll	roll	NOUN
ejif-6202	21	21	-	-	PUNCT
ejif-6202	21	22	forward	forward	NOUN
ejif-6202	21	23	of	of	ADP
ejif-6202	21	24	the	the	DET
ejif-6202	21	25	loan	loan	NOUN
ejif-6202	21	26	with	with	ADP
ejif-6202	21	27	a	a	DET
ejif-6202	21	28	flexible	flexible	ADJ
ejif-6202	21	29	repayment	repayment	NOUN
ejif-6202	21	30	schedule	schedule	NOUN
ejif-6202	21	31	that	that	PRON
ejif-6202	21	32	allows	allow	VERB
ejif-6202	21	33	the	the	DET
ejif-6202	21	34	monetization	monetization	NOUN
ejif-6202	21	35	of	of	ADP
ejif-6202	21	36	the	the	DET
ejif-6202	21	37	collateral	collateral	NOUN
ejif-6202	21	38	by	by	ADP
ejif-6202	21	39	following	follow	VERB
ejif-6202	21	40	the	the	DET
ejif-6202	21	41	cash	cash	NOUN
ejif-6202	21	42	inflow	inflow	NOUN
ejif-6202	21	43	/	/	SYM
ejif-6202	21	44	outflow	outflow	NOUN
ejif-6202	21	45	borrower	borrower	NOUN
ejif-6202	21	46	’s	’s	PART
ejif-6202	21	47	profile	profile	NOUN
ejif-6202	21	48	.	.	PUNCT
ejif-6202	22	1	this	this	DET
ejif-6202	22	2	option	option	NOUN
ejif-6202	22	3	is	be	AUX
ejif-6202	22	4	open	open	ADJ
ejif-6202	22	5	without	without	ADP
ejif-6202	22	6	the	the	DET
ejif-6202	22	7	need	need	NOUN
ejif-6202	22	8	to	to	PART
ejif-6202	22	9	re	re	VERB
ejif-6202	22	10	-	-	VERB
ejif-6202	22	11	enter	enter	VERB
ejif-6202	22	12	a	a	DET
ejif-6202	22	13	loan	loan	NOUN
ejif-6202	22	14	application	application	NOUN
ejif-6202	22	15	process	process	NOUN
ejif-6202	22	16	every	every	DET
ejif-6202	22	17	time	time	NOUN
ejif-6202	22	18	the	the	DET
ejif-6202	22	19	borrowing	borrowing	NOUN
ejif-6202	22	20	re	re	NOUN
ejif-6202	22	21	-	-	NOUN
ejif-6202	22	22	starts	start	VERB
ejif-6202	22	23	[	[	X
ejif-6202	22	24	3	3	NUM
ejif-6202	22	25	]	]	PUNCT
ejif-6202	22	26	.	.	PUNCT
ejif-6202	23	1	the	the	DET
ejif-6202	23	2	second	second	ADJ
ejif-6202	23	3	advantage	advantage	NOUN
ejif-6202	23	4	of	of	ADP
ejif-6202	23	5	the	the	DET
ejif-6202	23	6	islamic	islamic	ADJ
ejif-6202	23	7	microfinancing	microfinancing	NOUN
ejif-6202	23	8	option	option	NOUN
ejif-6202	23	9	is	be	AUX
ejif-6202	23	10	the	the	DET
ejif-6202	23	11	safekeeping	safekeeping	NOUN
ejif-6202	23	12	of	of	ADP
ejif-6202	23	13	the	the	DET
ejif-6202	23	14	collateral	collateral	NOUN
ejif-6202	23	15	by	by	ADP
ejif-6202	23	16	the	the	DET
ejif-6202	23	17	lender	lender	NOUN
ejif-6202	23	18	at	at	ADP
ejif-6202	23	19	a	a	DET
ejif-6202	23	20	very	very	ADV
ejif-6202	23	21	low	low	ADJ
ejif-6202	23	22	cost	cost	NOUN
ejif-6202	23	23	[	[	X
ejif-6202	23	24	4	4	NUM
ejif-6202	23	25	]	]	PUNCT
ejif-6202	23	26	.	.	PUNCT
ejif-6202	24	1	finally	finally	ADV
ejif-6202	24	2	,	,	PUNCT
ejif-6202	24	3	the	the	DET
ejif-6202	24	4	overall	overall	ADJ
ejif-6202	24	5	cost	cost	NOUN
ejif-6202	24	6	to	to	ADP
ejif-6202	24	7	the	the	DET
ejif-6202	24	8	lender	lender	NOUN
ejif-6202	24	9	tends	tend	VERB
ejif-6202	24	10	to	to	PART
ejif-6202	24	11	be	be	AUX
ejif-6202	24	12	more	more	ADV
ejif-6202	24	13	competitive	competitive	ADJ
ejif-6202	24	14	than	than	ADP
ejif-6202	24	15	the	the	DET
ejif-6202	24	16	conventional	conventional	ADJ
ejif-6202	24	17	option	option	NOUN
ejif-6202	24	18	.	.	PUNCT
ejif-6202	25	1	the	the	DET
ejif-6202	25	2	limitation	limitation	NOUN
ejif-6202	25	3	of	of	ADP
ejif-6202	25	4	this	this	DET
ejif-6202	25	5	islamic	islamic	ADJ
ejif-6202	25	6	financing	financing	NOUN
ejif-6202	25	7	option	option	NOUN
ejif-6202	25	8	is	be	AUX
ejif-6202	25	9	two	two	NUM
ejif-6202	25	10	folds	fold	NOUN
ejif-6202	25	11	.	.	PUNCT
ejif-6202	26	1	first	first	ADV
ejif-6202	26	2	,	,	PUNCT
ejif-6202	26	3	the	the	DET
ejif-6202	26	4	lender	lender	NOUN
ejif-6202	26	5	usually	usually	ADV
ejif-6202	26	6	restricts	restrict	VERB
ejif-6202	26	7	these	these	DET
ejif-6202	26	8	loans	loan	NOUN
ejif-6202	26	9	to	to	ADP
ejif-6202	26	10	the	the	DET
ejif-6202	26	11	acquisition	acquisition	NOUN
ejif-6202	26	12	of	of	ADP
ejif-6202	26	13	an	an	DET
ejif-6202	26	14	asset	asset	NOUN
ejif-6202	26	15	and	and	CCONJ
ejif-6202	26	16	prohibits	prohibit	VERB
ejif-6202	26	17	discretionary	discretionary	ADJ
ejif-6202	26	18	spending	spending	NOUN
ejif-6202	26	19	.	.	PUNCT
ejif-6202	27	1	second	second	ADJ
ejif-6202	27	2	,	,	PUNCT
ejif-6202	27	3	the	the	DET
ejif-6202	27	4	absence	absence	NOUN
ejif-6202	27	5	of	of	ADP
ejif-6202	27	6	financial	financial	ADJ
ejif-6202	27	7	interest	interest	NOUN
ejif-6202	27	8	on	on	ADP
ejif-6202	27	9	the	the	DET
ejif-6202	27	10	microloan	microloan	NOUN
ejif-6202	27	11	prevents	prevent	VERB
ejif-6202	27	12	the	the	DET
ejif-6202	27	13	significant	significant	ADJ
ejif-6202	27	14	growth	growth	NOUN
ejif-6202	27	15	of	of	ADP
ejif-6202	27	16	the	the	DET
ejif-6202	27	17	loan	loan	NOUN
ejif-6202	27	18	book	book	NOUN
ejif-6202	27	19	for	for	ADP
ejif-6202	27	20	the	the	DET
ejif-6202	27	21	lender	lender	NOUN
ejif-6202	27	22	,	,	PUNCT
ejif-6202	27	23	particularly	particularly	ADV
ejif-6202	27	24	when	when	SCONJ
ejif-6202	27	25	the	the	DET
ejif-6202	27	26	financial	financial	ADJ
ejif-6202	27	27	interest	interest	NOUN
ejif-6202	27	28	is	be	AUX
ejif-6202	27	29	computed	compute	VERB
ejif-6202	27	30	to	to	PART
ejif-6202	27	31	cover	cover	VERB
ejif-6202	27	32	the	the	DET
ejif-6202	27	33	risk	risk	NOUN
ejif-6202	27	34	of	of	ADP
ejif-6202	27	35	late	late	ADJ
ejif-6202	27	36	payment	payment	NOUN
ejif-6202	27	37	or	or	CCONJ
ejif-6202	27	38	even	even	ADV
ejif-6202	27	39	of	of	ADP
ejif-6202	27	40	a	a	DET
ejif-6202	27	41	write	write	NOUN
ejif-6202	27	42	-	-	PUNCT
ejif-6202	27	43	off	off	NOUN
ejif-6202	27	44	.	.	PUNCT
ejif-6202	28	1	due	due	ADP
ejif-6202	28	2	to	to	ADP
ejif-6202	28	3	the	the	DET
ejif-6202	28	4	importance	importance	NOUN
ejif-6202	28	5	of	of	ADP
ejif-6202	28	6	managing	manage	VERB
ejif-6202	28	7	late	late	ADJ
ejif-6202	28	8	payment	payment	NOUN
ejif-6202	28	9	and	and	CCONJ
ejif-6202	28	10	default	default	NOUN
ejif-6202	28	11	risk	risk	NOUN
ejif-6202	28	12	in	in	ADP
ejif-6202	28	13	the	the	DET
ejif-6202	28	14	context	context	NOUN
ejif-6202	28	15	of	of	ADP
ejif-6202	28	16	riba	riba	NOUN
ejif-6202	28	17	-	-	PUNCT
ejif-6202	28	18	free	free	ADJ
ejif-6202	28	19	loans	loan	NOUN
ejif-6202	28	20	(	(	PUNCT
ejif-6202	28	21	i.e.	i.e.	X
ejif-6202	28	22	,	,	PUNCT
ejif-6202	28	23	absence	absence	NOUN
ejif-6202	28	24	of	of	ADP
ejif-6202	28	25	financial	financial	ADJ
ejif-6202	28	26	interest	interest	NOUN
ejif-6202	28	27	)	)	PUNCT
ejif-6202	28	28	,	,	PUNCT
ejif-6202	28	29	assessing	assess	VERB
ejif-6202	28	30	the	the	DET
ejif-6202	28	31	overall	overall	ADJ
ejif-6202	28	32	financial	financial	ADJ
ejif-6202	28	33	risk	risk	NOUN
ejif-6202	28	34	associated	associate	VERB
ejif-6202	28	35	with	with	ADP
ejif-6202	28	36	islamic	islamic	ADJ
ejif-6202	28	37	microfinance	microfinance	NOUN
ejif-6202	28	38	is	be	AUX
ejif-6202	28	39	paramount	paramount	ADJ
ejif-6202	28	40	for	for	ADP
ejif-6202	28	41	the	the	DET
ejif-6202	28	42	sustainability	sustainability	NOUN
ejif-6202	28	43	of	of	ADP
ejif-6202	28	44	this	this	DET
ejif-6202	28	45	market	market	NOUN
ejif-6202	28	46	.	.	PUNCT
ejif-6202	29	1	european	european	PROPN
ejif-6202	29	2	journal	journal	PROPN
ejif-6202	29	3	of	of	ADP
ejif-6202	29	4	islamic	islamic	PROPN
ejif-6202	29	5	finance	finance	PROPN
ejif-6202	29	6	issn	issn	PROPN
ejif-6202	29	7	:	:	PUNCT
ejif-6202	29	8	2421	2421	NUM
ejif-6202	29	9	-	-	SYM
ejif-6202	29	10	2172	2172	NUM
ejif-6202	29	11	doi	doi	NOUN
ejif-6202	29	12	:	:	PUNCT
ejif-6202	29	13	10.13135/2421	10.13135/2421	NUM
ejif-6202	29	14	-	-	PUNCT
ejif-6202	29	15	2172/6202published	2172/6202publishe	VERB
ejif-6202	29	16	by	by	ADP
ejif-6202	29	17	the	the	DET
ejif-6202	29	18	university	university	PROPN
ejif-6202	29	19	of	of	ADP
ejif-6202	29	20	turin	turin	PROPN
ejif-6202	30	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	30	2	ejif	ejif	PROPN
ejif-6202	30	3	content	content	NOUN
ejif-6202	30	4	is	be	AUX
ejif-6202	30	5	licensed	license	VERB
ejif-6202	30	6	under	under	ADP
ejif-6202	30	7	a	a	DET
ejif-6202	30	8	creative	creative	ADJ
ejif-6202	30	9	commons	common	NOUN
ejif-6202	30	10	attribution	attribution	NOUN
ejif-6202	30	11	4.0	4.0	NUM
ejif-6202	30	12	international	international	ADJ
ejif-6202	30	13	license	license	NOUN
ejif-6202	30	14	received	receive	VERB
ejif-6202	30	15	:	:	PUNCT
ejif-6202	30	16	11/08/2021	11/08/2021	NUM
ejif-6202	30	17	accepted	accept	VERB
ejif-6202	30	18	for	for	ADP
ejif-6202	30	19	publication	publication	NOUN
ejif-6202	30	20	:	:	PUNCT
ejif-6202	30	21	20/07/2022	20/07/2022	NUM
ejif-6202	30	22	published	publish	VERB
ejif-6202	30	23	:	:	PUNCT
ejif-6202	30	24	29/07/2022	29/07/2022	NUM
ejif-6202	30	25	36	36	NUM
ejif-6202	30	26	b.	b.	NOUN
ejif-6202	30	27	financial	financial	ADJ
ejif-6202	30	28	risk	risk	NOUN
ejif-6202	30	29	in	in	ADP
ejif-6202	30	30	islamic	islamic	ADJ
ejif-6202	30	31	finance	finance	NOUN
ejif-6202	30	32	risk	risk	NOUN
ejif-6202	30	33	management	management	NOUN
ejif-6202	30	34	for	for	ADP
ejif-6202	30	35	financial	financial	ADJ
ejif-6202	30	36	institutions	institution	NOUN
ejif-6202	30	37	includes	include	VERB
ejif-6202	30	38	several	several	ADJ
ejif-6202	30	39	broad	broad	ADJ
ejif-6202	30	40	risk	risk	NOUN
ejif-6202	30	41	categories	category	NOUN
ejif-6202	30	42	:	:	PUNCT
ejif-6202	30	43	market	market	NOUN
ejif-6202	30	44	risk	risk	NOUN
ejif-6202	30	45	,	,	PUNCT
ejif-6202	30	46	credit	credit	NOUN
ejif-6202	30	47	risk	risk	NOUN
ejif-6202	30	48	,	,	PUNCT
ejif-6202	30	49	operational	operational	ADJ
ejif-6202	30	50	risk	risk	NOUN
ejif-6202	30	51	,	,	PUNCT
ejif-6202	30	52	and	and	CCONJ
ejif-6202	30	53	liquidity	liquidity	NOUN
ejif-6202	30	54	risk	risk	NOUN
ejif-6202	30	55	.	.	PUNCT
ejif-6202	31	1	market	market	NOUN
ejif-6202	31	2	risk	risk	NOUN
ejif-6202	31	3	arises	arise	VERB
ejif-6202	31	4	from	from	ADP
ejif-6202	31	5	changes	change	NOUN
ejif-6202	31	6	in	in	ADP
ejif-6202	31	7	market	market	NOUN
ejif-6202	31	8	prices	price	NOUN
ejif-6202	31	9	(	(	PUNCT
ejif-6202	31	10	e.g.	e.g.	ADV
ejif-6202	31	11	,	,	PUNCT
ejif-6202	31	12	interest	interest	NOUN
ejif-6202	31	13	rates	rate	NOUN
ejif-6202	31	14	,	,	PUNCT
ejif-6202	31	15	commodity	commodity	NOUN
ejif-6202	31	16	prices	price	NOUN
ejif-6202	31	17	)	)	PUNCT
ejif-6202	31	18	.	.	PUNCT
ejif-6202	32	1	credit	credit	NOUN
ejif-6202	32	2	risk	risk	NOUN
ejif-6202	32	3	derives	derive	VERB
ejif-6202	32	4	from	from	ADP
ejif-6202	32	5	the	the	DET
ejif-6202	32	6	possibility	possibility	NOUN
ejif-6202	32	7	that	that	SCONJ
ejif-6202	32	8	the	the	DET
ejif-6202	32	9	debtor	debtor	NOUN
ejif-6202	32	10	does	do	AUX
ejif-6202	32	11	not	not	PART
ejif-6202	32	12	repay	repay	VERB
ejif-6202	32	13	the	the	DET
ejif-6202	32	14	debt	debt	NOUN
ejif-6202	32	15	in	in	ADP
ejif-6202	32	16	total	total	NOUN
ejif-6202	32	17	,	,	PUNCT
ejif-6202	32	18	and	and	CCONJ
ejif-6202	32	19	the	the	DET
ejif-6202	32	20	recovery	recovery	NOUN
ejif-6202	32	21	on	on	ADP
ejif-6202	32	22	the	the	DET
ejif-6202	32	23	net	net	ADJ
ejif-6202	32	24	value	value	NOUN
ejif-6202	32	25	of	of	ADP
ejif-6202	32	26	the	the	DET
ejif-6202	32	27	pledged	pledge	VERB
ejif-6202	32	28	asset	asset	NOUN
ejif-6202	32	29	does	do	AUX
ejif-6202	32	30	not	not	PART
ejif-6202	32	31	cover	cover	VERB
ejif-6202	32	32	the	the	DET
ejif-6202	32	33	unpaid	unpaid	ADJ
ejif-6202	32	34	balance	balance	NOUN
ejif-6202	32	35	.	.	PUNCT
ejif-6202	33	1	operational	operational	ADJ
ejif-6202	33	2	risk	risk	NOUN
ejif-6202	33	3	covers	cover	VERB
ejif-6202	33	4	negative	negative	ADJ
ejif-6202	33	5	situations	situation	NOUN
ejif-6202	33	6	caused	cause	VERB
ejif-6202	33	7	by	by	ADP
ejif-6202	33	8	failed	fail	VERB
ejif-6202	33	9	internal	internal	ADJ
ejif-6202	33	10	processes	process	NOUN
ejif-6202	33	11	,	,	PUNCT
ejif-6202	33	12	fraud	fraud	NOUN
ejif-6202	33	13	,	,	PUNCT
ejif-6202	33	14	collusion	collusion	NOUN
ejif-6202	33	15	with	with	ADP
ejif-6202	33	16	the	the	DET
ejif-6202	33	17	debtor	debtor	NOUN
ejif-6202	33	18	,	,	PUNCT
ejif-6202	33	19	mere	mere	ADJ
ejif-6202	33	20	incompetence	incompetence	NOUN
ejif-6202	33	21	of	of	ADP
ejif-6202	33	22	the	the	DET
ejif-6202	33	23	credit	credit	NOUN
ejif-6202	33	24	officer	officer	NOUN
ejif-6202	33	25	,	,	PUNCT
ejif-6202	33	26	or	or	CCONJ
ejif-6202	33	27	inadequate	inadequate	ADJ
ejif-6202	33	28	collection	collection	NOUN
ejif-6202	33	29	processes	process	NOUN
ejif-6202	33	30	.	.	PUNCT
ejif-6202	34	1	another	another	DET
ejif-6202	34	2	critical	critical	ADJ
ejif-6202	34	3	risk	risk	NOUN
ejif-6202	34	4	is	be	AUX
ejif-6202	34	5	the	the	DET
ejif-6202	34	6	liquidity	liquidity	NOUN
ejif-6202	34	7	risk	risk	NOUN
ejif-6202	34	8	,	,	PUNCT
ejif-6202	34	9	which	which	PRON
ejif-6202	34	10	implies	imply	VERB
ejif-6202	34	11	that	that	SCONJ
ejif-6202	34	12	there	there	PRON
ejif-6202	34	13	is	be	VERB
ejif-6202	34	14	not	not	PART
ejif-6202	34	15	sufficient	sufficient	ADJ
ejif-6202	34	16	liquidity	liquidity	NOUN
ejif-6202	34	17	in	in	ADP
ejif-6202	34	18	the	the	DET
ejif-6202	34	19	market	market	NOUN
ejif-6202	34	20	to	to	PART
ejif-6202	34	21	buy	buy	VERB
ejif-6202	34	22	or	or	CCONJ
ejif-6202	34	23	sell	sell	VERB
ejif-6202	34	24	assets	asset	NOUN
ejif-6202	34	25	.	.	PUNCT
ejif-6202	35	1	these	these	DET
ejif-6202	35	2	risks	risk	NOUN
ejif-6202	35	3	are	be	AUX
ejif-6202	35	4	present	present	ADJ
ejif-6202	35	5	in	in	ADP
ejif-6202	35	6	islamic	islamic	ADJ
ejif-6202	35	7	finance	finance	NOUN
ejif-6202	35	8	,	,	PUNCT
ejif-6202	35	9	so	so	CCONJ
ejif-6202	35	10	conventional	conventional	ADJ
ejif-6202	35	11	risk	risk	NOUN
ejif-6202	35	12	techniques	technique	NOUN
ejif-6202	35	13	used	use	VERB
ejif-6202	35	14	to	to	PART
ejif-6202	35	15	manage	manage	VERB
ejif-6202	35	16	them	they	PRON
ejif-6202	35	17	are	be	AUX
ejif-6202	35	18	also	also	ADV
ejif-6202	35	19	relevant	relevant	ADJ
ejif-6202	35	20	.	.	PUNCT
ejif-6202	36	1	a	a	DET
ejif-6202	36	2	difference	difference	NOUN
ejif-6202	36	3	with	with	ADP
ejif-6202	36	4	conventional	conventional	ADJ
ejif-6202	36	5	risk	risk	NOUN
ejif-6202	36	6	analysis	analysis	NOUN
ejif-6202	36	7	arises	arise	VERB
ejif-6202	36	8	with	with	ADP
ejif-6202	36	9	the	the	DET
ejif-6202	36	10	quantum	quantum	NOUN
ejif-6202	36	11	of	of	ADP
ejif-6202	36	12	risk	risk	NOUN
ejif-6202	36	13	that	that	SCONJ
ejif-6202	36	14	the	the	DET
ejif-6202	36	15	institution	institution	NOUN
ejif-6202	36	16	should	should	AUX
ejif-6202	36	17	allow	allow	VERB
ejif-6202	36	18	:	:	PUNCT
ejif-6202	36	19	“	"	PUNCT
ejif-6202	36	20	it	it	PRON
ejif-6202	36	21	[	[	X
ejif-6202	36	22	gharar	gharar	NOUN
ejif-6202	36	23	]	]	PUNCT
ejif-6202	36	24	is	be	AUX
ejif-6202	36	25	not	not	PART
ejif-6202	36	26	as	as	ADV
ejif-6202	36	27	well	well	ADV
ejif-6202	36	28	defined	define	VERB
ejif-6202	36	29	as	as	ADP
ejif-6202	36	30	riba	riba	NOUN
ejif-6202	36	31	,	,	PUNCT
ejif-6202	36	32	and	and	CCONJ
ejif-6202	36	33	a	a	DET
ejif-6202	36	34	ruling	ruling	NOUN
ejif-6202	36	35	of	of	ADP
ejif-6202	36	36	permissibility	permissibility	NOUN
ejif-6202	36	37	based	base	VERB
ejif-6202	36	38	on	on	ADP
ejif-6202	36	39	gharar	gharar	NOUN
ejif-6202	36	40	could	could	AUX
ejif-6202	36	41	take	take	VERB
ejif-6202	36	42	into	into	ADP
ejif-6202	36	43	account	account	NOUN
ejif-6202	36	44	a	a	DET
ejif-6202	36	45	cost	cost	NOUN
ejif-6202	36	46	-	-	PUNCT
ejif-6202	36	47	benefit	benefit	NOUN
ejif-6202	36	48	analysis	analysis	NOUN
ejif-6202	36	49	.	.	PUNCT
ejif-6202	36	50	”	"	PUNCT
ejif-6202	37	1	[	[	X
ejif-6202	37	2	5	5	NUM
ejif-6202	37	3	]	]	PUNCT
ejif-6202	37	4	.	.	PUNCT
ejif-6202	38	1	it	it	PRON
ejif-6202	38	2	explains	explain	VERB
ejif-6202	38	3	why	why	SCONJ
ejif-6202	38	4	the	the	DET
ejif-6202	38	5	level	level	NOUN
ejif-6202	38	6	of	of	ADP
ejif-6202	38	7	risk	risk	NOUN
ejif-6202	38	8	acceptable	acceptable	ADJ
ejif-6202	38	9	in	in	ADP
ejif-6202	38	10	islamic	islamic	ADJ
ejif-6202	38	11	finance	finance	NOUN
ejif-6202	38	12	can	can	AUX
ejif-6202	38	13	differ	differ	VERB
ejif-6202	38	14	from	from	ADP
ejif-6202	38	15	one	one	NUM
ejif-6202	38	16	institution	institution	NOUN
ejif-6202	38	17	to	to	ADP
ejif-6202	38	18	another	another	PRON
ejif-6202	38	19	.	.	PUNCT
ejif-6202	39	1	on	on	ADP
ejif-6202	39	2	the	the	DET
ejif-6202	39	3	one	one	NUM
ejif-6202	39	4	hand	hand	NOUN
ejif-6202	39	5	,	,	PUNCT
ejif-6202	39	6	one	one	PRON
ejif-6202	39	7	could	could	AUX
ejif-6202	39	8	consider	consider	VERB
ejif-6202	39	9	risk	risk	NOUN
ejif-6202	39	10	as	as	ADP
ejif-6202	39	11	intrinsic	intrinsic	ADJ
ejif-6202	39	12	to	to	ADP
ejif-6202	39	13	any	any	DET
ejif-6202	39	14	financial	financial	ADJ
ejif-6202	39	15	transaction	transaction	NOUN
ejif-6202	39	16	,	,	PUNCT
ejif-6202	39	17	hence	hence	ADV
ejif-6202	39	18	not	not	PART
ejif-6202	39	19	a	a	DET
ejif-6202	39	20	reason	reason	NOUN
ejif-6202	39	21	to	to	PART
ejif-6202	39	22	exclude	exclude	VERB
ejif-6202	39	23	from	from	ADP
ejif-6202	39	24	a	a	DET
ejif-6202	39	25	pure	pure	ADJ
ejif-6202	39	26	loan	loan	NOUN
ejif-6202	39	27	a	a	DET
ejif-6202	39	28	risk	risk	NOUN
ejif-6202	39	29	element	element	NOUN
ejif-6202	39	30	.	.	PUNCT
ejif-6202	40	1	on	on	ADP
ejif-6202	40	2	the	the	DET
ejif-6202	40	3	other	other	ADJ
ejif-6202	40	4	hand	hand	NOUN
ejif-6202	40	5	,	,	PUNCT
ejif-6202	40	6	one	one	PRON
ejif-6202	40	7	could	could	AUX
ejif-6202	40	8	be	be	AUX
ejif-6202	40	9	willing	willing	ADJ
ejif-6202	40	10	to	to	PART
ejif-6202	40	11	eliminate	eliminate	VERB
ejif-6202	40	12	any	any	DET
ejif-6202	40	13	trace	trace	NOUN
ejif-6202	40	14	of	of	ADP
ejif-6202	40	15	this	this	DET
ejif-6202	40	16	notion	notion	NOUN
ejif-6202	40	17	on	on	ADP
ejif-6202	40	18	a	a	DET
ejif-6202	40	19	loan	loan	NOUN
ejif-6202	40	20	.	.	PUNCT
ejif-6202	41	1	the	the	DET
ejif-6202	41	2	risk	risk	NOUN
ejif-6202	41	3	is	be	AUX
ejif-6202	41	4	then	then	ADV
ejif-6202	41	5	transferred	transfer	VERB
ejif-6202	41	6	to	to	ADP
ejif-6202	41	7	an	an	DET
ejif-6202	41	8	ancillary	ancillary	ADJ
ejif-6202	41	9	islamic	islamic	ADJ
ejif-6202	41	10	transaction	transaction	NOUN
ejif-6202	41	11	that	that	PRON
ejif-6202	41	12	takes	take	VERB
ejif-6202	41	13	place	place	NOUN
ejif-6202	41	14	simultaneously	simultaneously	ADV
ejif-6202	41	15	as	as	ADP
ejif-6202	41	16	the	the	DET
ejif-6202	41	17	loan	loan	NOUN
ejif-6202	41	18	transaction	transaction	NOUN
ejif-6202	41	19	.	.	PUNCT
ejif-6202	42	1	we	we	PRON
ejif-6202	42	2	observe	observe	VERB
ejif-6202	42	3	an	an	DET
ejif-6202	42	4	analogous	analogous	ADJ
ejif-6202	42	5	islamic	islamic	ADJ
ejif-6202	42	6	debate	debate	NOUN
ejif-6202	42	7	about	about	ADP
ejif-6202	42	8	the	the	DET
ejif-6202	42	9	degree	degree	NOUN
ejif-6202	42	10	of	of	ADP
ejif-6202	42	11	risk	risk	NOUN
ejif-6202	42	12	inclusion	inclusion	NOUN
ejif-6202	42	13	with	with	ADP
ejif-6202	42	14	the	the	DET
ejif-6202	42	15	concept	concept	NOUN
ejif-6202	42	16	of	of	ADP
ejif-6202	42	17	‘	'	PUNCT
ejif-6202	42	18	haram	haram	NOUN
ejif-6202	42	19	’	'	PUNCT
ejif-6202	42	20	food	food	NOUN
ejif-6202	42	21	.	.	PUNCT
ejif-6202	43	1	for	for	ADP
ejif-6202	43	2	example	example	NOUN
ejif-6202	43	3	,	,	PUNCT
ejif-6202	43	4	the	the	DET
ejif-6202	43	5	shafie	shafie	NOUN
ejif-6202	43	6	school	school	NOUN
ejif-6202	43	7	seeks	seek	VERB
ejif-6202	43	8	to	to	PART
ejif-6202	43	9	eliminate	eliminate	VERB
ejif-6202	43	10	any	any	DET
ejif-6202	43	11	najis	naji	NOUN
ejif-6202	43	12	-	-	PUNCT
ejif-6202	43	13	components	component	NOUN
ejif-6202	43	14	in	in	ADP
ejif-6202	43	15	‘	'	PUNCT
ejif-6202	43	16	halal	halal	NOUN
ejif-6202	43	17	’	'	PUNCT
ejif-6202	43	18	food	food	NOUN
ejif-6202	43	19	to	to	PART
ejif-6202	43	20	avoid	avoid	VERB
ejif-6202	43	21	potential	potential	ADJ
ejif-6202	43	22	contamination	contamination	NOUN
ejif-6202	43	23	.	.	PUNCT
ejif-6202	44	1	in	in	ADP
ejif-6202	44	2	contrast	contrast	NOUN
ejif-6202	44	3	,	,	PUNCT
ejif-6202	44	4	other	other	ADJ
ejif-6202	44	5	schools	school	NOUN
ejif-6202	44	6	may	may	AUX
ejif-6202	44	7	accept	accept	VERB
ejif-6202	44	8	a	a	DET
ejif-6202	44	9	minute	minute	ADJ
ejif-6202	44	10	percentage	percentage	NOUN
ejif-6202	44	11	of	of	ADP
ejif-6202	44	12	non	non	ADJ
ejif-6202	44	13	-	-	ADJ
ejif-6202	44	14	halal	halal	ADJ
ejif-6202	44	15	ingredients	ingredient	NOUN
ejif-6202	44	16	.	.	PUNCT
ejif-6202	45	1	similarly	similarly	ADV
ejif-6202	45	2	,	,	PUNCT
ejif-6202	45	3	uncertainty	uncertainty	NOUN
ejif-6202	45	4	related	relate	VERB
ejif-6202	45	5	to	to	ADP
ejif-6202	45	6	the	the	DET
ejif-6202	45	7	price	price	NOUN
ejif-6202	45	8	is	be	AUX
ejif-6202	45	9	equally	equally	ADV
ejif-6202	45	10	prohibited	prohibit	VERB
ejif-6202	45	11	in	in	ADP
ejif-6202	45	12	islamic	islamic	ADJ
ejif-6202	45	13	finance	finance	NOUN
ejif-6202	45	14	[	[	X
ejif-6202	45	15	6	6	NUM
ejif-6202	45	16	]	]	PUNCT
ejif-6202	45	17	.	.	PUNCT
ejif-6202	46	1	therefore	therefore	ADV
ejif-6202	46	2	,	,	PUNCT
ejif-6202	46	3	risk	risk	NOUN
ejif-6202	46	4	modeling	model	VERB
ejif-6202	46	5	techniques	technique	NOUN
ejif-6202	46	6	in	in	ADP
ejif-6202	46	7	islamic	islamic	ADJ
ejif-6202	46	8	finance	finance	NOUN
ejif-6202	46	9	institutions	institution	NOUN
ejif-6202	46	10	should	should	AUX
ejif-6202	46	11	filter	filter	VERB
ejif-6202	46	12	only	only	ADV
ejif-6202	46	13	permissible	permissible	ADJ
ejif-6202	46	14	risks	risk	NOUN
ejif-6202	46	15	.	.	PUNCT
ejif-6202	47	1	consequently	consequently	ADV
ejif-6202	47	2	,	,	PUNCT
ejif-6202	47	3	risk	risk	NOUN
ejif-6202	47	4	modeling	modeling	NOUN
ejif-6202	47	5	should	should	AUX
ejif-6202	47	6	specify	specify	VERB
ejif-6202	47	7	whether	whether	SCONJ
ejif-6202	47	8	the	the	DET
ejif-6202	47	9	variation	variation	NOUN
ejif-6202	47	10	in	in	ADP
ejif-6202	47	11	asset	asset	NOUN
ejif-6202	47	12	quality	quality	NOUN
ejif-6202	47	13	or	or	CCONJ
ejif-6202	47	14	reimbursement	reimbursement	NOUN
ejif-6202	47	15	price	price	NOUN
ejif-6202	47	16	is	be	AUX
ejif-6202	47	17	part	part	NOUN
ejif-6202	47	18	of	of	ADP
ejif-6202	47	19	the	the	DET
ejif-6202	47	20	risk	risk	NOUN
ejif-6202	47	21	model	model	NOUN
ejif-6202	47	22	.	.	PUNCT
ejif-6202	48	1	these	these	DET
ejif-6202	48	2	techniques	technique	NOUN
ejif-6202	48	3	are	be	AUX
ejif-6202	48	4	particularly	particularly	ADV
ejif-6202	48	5	relevant	relevant	ADJ
ejif-6202	48	6	for	for	ADP
ejif-6202	48	7	regulators	regulator	NOUN
ejif-6202	48	8	.	.	PUNCT
ejif-6202	49	1	their	their	PRON
ejif-6202	49	2	importance	importance	NOUN
ejif-6202	49	3	has	have	AUX
ejif-6202	49	4	been	be	AUX
ejif-6202	49	5	generally	generally	ADV
ejif-6202	49	6	increased	increase	VERB
ejif-6202	49	7	with	with	ADP
ejif-6202	49	8	each	each	DET
ejif-6202	49	9	financial	financial	ADJ
ejif-6202	49	10	crisis	crisis	NOUN
ejif-6202	49	11	.	.	PUNCT
ejif-6202	50	1	the	the	DET
ejif-6202	50	2	basel	basel	PROPN
ejif-6202	50	3	accords	accords	PROPN
ejif-6202	50	4	,	,	PUNCT
ejif-6202	50	5	set	set	VERB
ejif-6202	50	6	up	up	ADP
ejif-6202	50	7	in	in	ADP
ejif-6202	50	8	the	the	DET
ejif-6202	50	9	1980s	1980s	NUM
ejif-6202	50	10	,	,	PUNCT
ejif-6202	50	11	tried	try	VERB
ejif-6202	50	12	to	to	PART
ejif-6202	50	13	establish	establish	VERB
ejif-6202	50	14	for	for	ADP
ejif-6202	50	15	financial	financial	ADJ
ejif-6202	50	16	institutions	institution	NOUN
ejif-6202	50	17	an	an	DET
ejif-6202	50	18	international	international	ADJ
ejif-6202	50	19	standard	standard	NOUN
ejif-6202	50	20	for	for	ADP
ejif-6202	50	21	minimal	minimal	ADJ
ejif-6202	50	22	capital	capital	NOUN
ejif-6202	50	23	requirements	requirement	NOUN
ejif-6202	50	24	with	with	ADP
ejif-6202	50	25	a	a	DET
ejif-6202	50	26	particular	particular	ADJ
ejif-6202	50	27	focus	focus	NOUN
ejif-6202	50	28	on	on	ADP
ejif-6202	50	29	credit	credit	NOUN
ejif-6202	50	30	risk	risk	NOUN
ejif-6202	50	31	.	.	PUNCT
ejif-6202	51	1	the	the	DET
ejif-6202	51	2	basel	basel	PROPN
ejif-6202	51	3	ii	ii	PROPN
ejif-6202	51	4	agreement	agreement	NOUN
ejif-6202	51	5	(	(	PUNCT
ejif-6202	51	6	viz	viz	PROPN
ejif-6202	51	7	.	.	PUNCT
ejif-6202	52	1	the	the	DET
ejif-6202	52	2	revised	revise	VERB
ejif-6202	52	3	capital	capital	NOUN
ejif-6202	52	4	framework	framework	NOUN
ejif-6202	52	5	)	)	PUNCT
ejif-6202	52	6	broadened	broaden	VERB
ejif-6202	52	7	these	these	DET
ejif-6202	52	8	terms	term	NOUN
ejif-6202	52	9	in	in	ADP
ejif-6202	52	10	the	the	DET
ejif-6202	52	11	aftermath	aftermath	NOUN
ejif-6202	52	12	of	of	ADP
ejif-6202	52	13	the	the	DET
ejif-6202	52	14	200708	200708	NUM
ejif-6202	52	15	financial	financial	ADJ
ejif-6202	52	16	crisis	crisis	NOUN
ejif-6202	52	17	and	and	CCONJ
ejif-6202	52	18	incorporated	incorporate	VERB
ejif-6202	52	19	,	,	PUNCT
ejif-6202	52	20	besides	besides	SCONJ
ejif-6202	52	21	minimal	minimal	ADJ
ejif-6202	52	22	capital	capital	NOUN
ejif-6202	52	23	requirements	requirement	NOUN
ejif-6202	52	24	standards	standard	NOUN
ejif-6202	52	25	related	relate	VERB
ejif-6202	52	26	to	to	ADP
ejif-6202	52	27	supervision	supervision	NOUN
ejif-6202	52	28	and	and	CCONJ
ejif-6202	52	29	discipline	discipline	NOUN
ejif-6202	52	30	in	in	ADP
ejif-6202	52	31	financial	financial	ADJ
ejif-6202	52	32	markets	market	NOUN
ejif-6202	52	33	[	[	X
ejif-6202	52	34	7	7	NUM
ejif-6202	52	35	]	]	PUNCT
ejif-6202	52	36	.	.	PUNCT
ejif-6202	53	1	similar	similar	ADJ
ejif-6202	53	2	to	to	ADP
ejif-6202	53	3	the	the	DET
ejif-6202	53	4	basel	basel	PROPN
ejif-6202	53	5	accords	accord	NOUN
ejif-6202	53	6	,	,	PUNCT
ejif-6202	53	7	in	in	ADP
ejif-6202	53	8	case	case	NOUN
ejif-6202	53	9	an	an	DET
ejif-6202	53	10	islamic	islamic	ADJ
ejif-6202	53	11	financial	financial	ADJ
ejif-6202	53	12	institution	institution	NOUN
ejif-6202	53	13	faces	face	VERB
ejif-6202	53	14	unexpected	unexpected	ADJ
ejif-6202	53	15	losses	loss	NOUN
ejif-6202	53	16	,	,	PUNCT
ejif-6202	53	17	partners	partner	NOUN
ejif-6202	53	18	/shareholders	/shareholder	NOUN
ejif-6202	53	19	are	be	AUX
ejif-6202	53	20	required	require	VERB
ejif-6202	53	21	to	to	PART
ejif-6202	53	22	forgo	forgo	VERB
ejif-6202	53	23	a	a	DET
ejif-6202	53	24	portion	portion	NOUN
ejif-6202	53	25	of	of	ADP
ejif-6202	53	26	the	the	DET
ejif-6202	53	27	profit	profit	NOUN
ejif-6202	53	28	or	or	CCONJ
ejif-6202	53	29	,	,	PUNCT
ejif-6202	53	30	in	in	ADP
ejif-6202	53	31	the	the	DET
ejif-6202	53	32	worst	bad	ADJ
ejif-6202	53	33	case	case	NOUN
ejif-6202	53	34	,	,	PUNCT
ejif-6202	53	35	provide	provide	VERB
ejif-6202	53	36	additional	additional	ADJ
ejif-6202	53	37	equity	equity	NOUN
ejif-6202	53	38	.	.	PUNCT
ejif-6202	54	1	for	for	ADP
ejif-6202	54	2	islamic	islamic	ADJ
ejif-6202	54	3	microfinance	microfinance	NOUN
ejif-6202	54	4	institutions	institution	NOUN
ejif-6202	54	5	,	,	PUNCT
ejif-6202	54	6	these	these	DET
ejif-6202	54	7	remedies	remedy	NOUN
ejif-6202	54	8	are	be	AUX
ejif-6202	54	9	more	more	ADV
ejif-6202	54	10	difficult	difficult	ADJ
ejif-6202	54	11	to	to	PART
ejif-6202	54	12	implement	implement	VERB
ejif-6202	54	13	.	.	PUNCT
ejif-6202	55	1	these	these	DET
ejif-6202	55	2	institutions	institution	NOUN
ejif-6202	55	3	are	be	AUX
ejif-6202	55	4	not	not	PART
ejif-6202	55	5	usually	usually	ADV
ejif-6202	55	6	run	run	VERB
ejif-6202	55	7	for	for	ADP
ejif-6202	55	8	profit	profit	NOUN
ejif-6202	55	9	.	.	PUNCT
ejif-6202	56	1	they	they	PRON
ejif-6202	56	2	can	can	AUX
ejif-6202	56	3	not	not	PART
ejif-6202	56	4	absorb	absorb	VERB
ejif-6202	56	5	through	through	ADP
ejif-6202	56	6	their	their	PRON
ejif-6202	56	7	gains	gain	NOUN
ejif-6202	56	8	the	the	DET
ejif-6202	56	9	credit	credit	NOUN
ejif-6202	56	10	losses	loss	NOUN
ejif-6202	56	11	.	.	PUNCT
ejif-6202	57	1	in	in	ADP
ejif-6202	57	2	addition	addition	NOUN
ejif-6202	57	3	,	,	PUNCT
ejif-6202	57	4	the	the	DET
ejif-6202	57	5	lack	lack	NOUN
ejif-6202	57	6	of	of	ADP
ejif-6202	57	7	future	future	ADJ
ejif-6202	57	8	profitability	profitability	NOUN
ejif-6202	57	9	limits	limit	VERB
ejif-6202	57	10	the	the	DET
ejif-6202	57	11	recourse	recourse	NOUN
ejif-6202	57	12	to	to	ADP
ejif-6202	57	13	fresh	fresh	ADJ
ejif-6202	57	14	funds	fund	NOUN
ejif-6202	57	15	charitable	charitable	ADJ
ejif-6202	57	16	sources	source	NOUN
ejif-6202	57	17	.	.	PUNCT
ejif-6202	58	1	hence	hence	ADV
ejif-6202	58	2	the	the	DET
ejif-6202	58	3	heightened	heightened	ADJ
ejif-6202	58	4	need	need	NOUN
ejif-6202	58	5	to	to	PART
ejif-6202	58	6	control	control	VERB
ejif-6202	58	7	for	for	ADP
ejif-6202	58	8	risk	risk	NOUN
ejif-6202	58	9	to	to	PART
ejif-6202	58	10	minimize	minimize	VERB
ejif-6202	58	11	the	the	DET
ejif-6202	58	12	amount	amount	NOUN
ejif-6202	58	13	of	of	ADP
ejif-6202	58	14	risk	risk	NOUN
ejif-6202	58	15	that	that	SCONJ
ejif-6202	58	16	the	the	DET
ejif-6202	58	17	institution	institution	NOUN
ejif-6202	58	18	's	's	PART
ejif-6202	58	19	management	management	NOUN
ejif-6202	58	20	can	can	AUX
ejif-6202	58	21	take	take	VERB
ejif-6202	58	22	[	[	NOUN
ejif-6202	58	23	8	8	NUM
ejif-6202	58	24	]	]	PUNCT
ejif-6202	58	25	.	.	PUNCT
ejif-6202	59	1	in	in	ADP
ejif-6202	59	2	this	this	DET
ejif-6202	59	3	paper	paper	NOUN
ejif-6202	59	4	,	,	PUNCT
ejif-6202	59	5	we	we	PRON
ejif-6202	59	6	will	will	AUX
ejif-6202	59	7	first	first	ADV
ejif-6202	59	8	review	review	VERB
ejif-6202	59	9	the	the	DET
ejif-6202	59	10	current	current	ADJ
ejif-6202	59	11	practice	practice	NOUN
ejif-6202	59	12	that	that	SCONJ
ejif-6202	59	13	conventional	conventional	ADJ
ejif-6202	59	14	financial	financial	ADJ
ejif-6202	59	15	institutions	institution	NOUN
ejif-6202	59	16	use	use	VERB
ejif-6202	59	17	to	to	PART
ejif-6202	59	18	assess	assess	VERB
ejif-6202	59	19	the	the	DET
ejif-6202	59	20	borrower	borrower	NOUN
ejif-6202	59	21	's	's	PART
ejif-6202	59	22	suitability	suitability	NOUN
ejif-6202	59	23	.	.	PUNCT
ejif-6202	60	1	then	then	ADV
ejif-6202	60	2	,	,	PUNCT
ejif-6202	60	3	we	we	PRON
ejif-6202	60	4	will	will	AUX
ejif-6202	60	5	present	present	VERB
ejif-6202	60	6	a	a	DET
ejif-6202	60	7	novel	novel	ADJ
ejif-6202	60	8	framework	framework	NOUN
ejif-6202	60	9	based	base	VERB
ejif-6202	60	10	on	on	ADP
ejif-6202	60	11	artificial	artificial	ADJ
ejif-6202	60	12	intelligence	intelligence	NOUN
ejif-6202	60	13	(	(	PUNCT
ejif-6202	60	14	ai	ai	NOUN
ejif-6202	60	15	)	)	PUNCT
ejif-6202	60	16	techniques	technique	NOUN
ejif-6202	60	17	that	that	PRON
ejif-6202	60	18	will	will	AUX
ejif-6202	60	19	extract	extract	VERB
ejif-6202	60	20	from	from	ADP
ejif-6202	60	21	the	the	DET
ejif-6202	60	22	borrower	borrower	NOUN
ejif-6202	60	23	’s	’s	PART
ejif-6202	60	24	profile	profile	NOUN
ejif-6202	60	25	an	an	DET
ejif-6202	60	26	informational	informational	ADJ
ejif-6202	60	27	advantage	advantage	NOUN
ejif-6202	60	28	compared	compare	VERB
ejif-6202	60	29	to	to	ADP
ejif-6202	60	30	conventional	conventional	ADJ
ejif-6202	60	31	techniques	technique	NOUN
ejif-6202	60	32	.	.	PUNCT
ejif-6202	61	1	we	we	PRON
ejif-6202	61	2	will	will	AUX
ejif-6202	61	3	show	show	VERB
ejif-6202	61	4	that	that	SCONJ
ejif-6202	61	5	this	this	DET
ejif-6202	61	6	advantage	advantage	NOUN
ejif-6202	61	7	optimizes	optimize	VERB
ejif-6202	61	8	the	the	DET
ejif-6202	61	9	risk	risk	NOUN
ejif-6202	61	10	/	/	SYM
ejif-6202	61	11	reward	reward	NOUN
ejif-6202	61	12	equilibrium	equilibrium	NOUN
ejif-6202	61	13	of	of	ADP
ejif-6202	61	14	the	the	DET
ejif-6202	61	15	financial	financial	ADJ
ejif-6202	61	16	institution	institution	NOUN
ejif-6202	61	17	and	and	CCONJ
ejif-6202	61	18	also	also	ADV
ejif-6202	61	19	chimes	chime	VERB
ejif-6202	61	20	with	with	ADP
ejif-6202	61	21	the	the	DET
ejif-6202	61	22	islamic	islamic	ADJ
ejif-6202	61	23	values	value	NOUN
ejif-6202	61	24	that	that	PRON
ejif-6202	61	25	are	be	AUX
ejif-6202	61	26	the	the	DET
ejif-6202	61	27	cornerstones	cornerstone	NOUN
ejif-6202	61	28	of	of	ADP
ejif-6202	61	29	these	these	DET
ejif-6202	61	30	institutions	institution	NOUN
ejif-6202	61	31	.	.	PUNCT
ejif-6202	62	1	finally	finally	ADV
ejif-6202	62	2	,	,	PUNCT
ejif-6202	62	3	we	we	PRON
ejif-6202	62	4	will	will	AUX
ejif-6202	62	5	test	test	VERB
ejif-6202	62	6	this	this	DET
ejif-6202	62	7	possibility	possibility	NOUN
ejif-6202	62	8	through	through	ADP
ejif-6202	62	9	a	a	DET
ejif-6202	62	10	business	business	NOUN
ejif-6202	62	11	case	case	NOUN
ejif-6202	62	12	of	of	ADP
ejif-6202	62	13	approximately	approximately	ADV
ejif-6202	62	14	30,000	30,000	NUM
ejif-6202	62	15	applications	application	NOUN
ejif-6202	62	16	to	to	ADP
ejif-6202	62	17	a	a	DET
ejif-6202	62	18	microfinancing	microfinancing	NOUN
ejif-6202	62	19	institution	institution	NOUN
ejif-6202	62	20	in	in	ADP
ejif-6202	62	21	the	the	DET
ejif-6202	62	22	central	central	ADJ
ejif-6202	62	23	african	african	ADJ
ejif-6202	62	24	republic	republic	NOUN
ejif-6202	62	25	.	.	PUNCT
ejif-6202	63	1	ii	ii	PROPN
ejif-6202	63	2	.	.	PUNCT
ejif-6202	64	1	three	three	NUM
ejif-6202	64	2	levels	level	NOUN
ejif-6202	64	3	of	of	ADP
ejif-6202	64	4	financial	financial	ADJ
ejif-6202	64	5	risk	risk	NOUN
ejif-6202	64	6	models	model	NOUN
ejif-6202	64	7	a.	a.	NOUN
ejif-6202	64	8	conventional	conventional	ADJ
ejif-6202	64	9	risk	risk	NOUN
ejif-6202	64	10	model	model	NOUN
ejif-6202	64	11	to	to	PART
ejif-6202	64	12	manage	manage	VERB
ejif-6202	64	13	the	the	DET
ejif-6202	64	14	overall	overall	ADJ
ejif-6202	64	15	risk	risk	NOUN
ejif-6202	64	16	of	of	ADP
ejif-6202	64	17	a	a	DET
ejif-6202	64	18	financial	financial	ADJ
ejif-6202	64	19	institution	institution	NOUN
ejif-6202	64	20	,	,	PUNCT
ejif-6202	64	21	the	the	DET
ejif-6202	64	22	basel	basel	PROPN
ejif-6202	64	23	regulations	regulation	NOUN
ejif-6202	64	24	impose	impose	VERB
ejif-6202	64	25	a	a	DET
ejif-6202	64	26	minimum	minimum	ADJ
ejif-6202	64	27	coverage	coverage	NOUN
ejif-6202	64	28	ratio	ratio	NOUN
ejif-6202	64	29	of	of	ADP
ejif-6202	64	30	8	8	NUM
ejif-6202	64	31	%	%	NOUN
ejif-6202	64	32	defined	define	VERB
ejif-6202	64	33	by	by	ADP
ejif-6202	64	34	:	:	PUNCT
ejif-6202	64	35	regulatory	regulatory	ADJ
ejif-6202	64	36	capital	capital	NOUN
ejif-6202	64	37	risk	risk	NOUN
ejif-6202	64	38	-	-	PUNCT
ejif-6202	64	39	weighted	weight	VERB
ejif-6202	64	40	sum	sum	NOUN
ejif-6202	64	41	≥	≥	NUM
ejif-6202	64	42	8	8	NUM
ejif-6202	64	43	%	%	NOUN
ejif-6202	64	44	the	the	DET
ejif-6202	64	45	denominator	denominator	NOUN
ejif-6202	64	46	in	in	ADP
ejif-6202	64	47	this	this	DET
ejif-6202	64	48	model	model	NOUN
ejif-6202	64	49	is	be	AUX
ejif-6202	64	50	computed	compute	VERB
ejif-6202	64	51	by	by	ADP
ejif-6202	64	52	multiplying	multiply	VERB
ejif-6202	64	53	a	a	DET
ejif-6202	64	54	pre	pre	ADJ
ejif-6202	64	55	-	-	ADJ
ejif-6202	64	56	defined	define	VERB
ejif-6202	64	57	risk	risk	NOUN
ejif-6202	64	58	factor	factor	NOUN
ejif-6202	64	59	(	(	PUNCT
ejif-6202	64	60	specific	specific	ADJ
ejif-6202	64	61	to	to	ADP
ejif-6202	64	62	each	each	DET
ejif-6202	64	63	class	class	NOUN
ejif-6202	64	64	of	of	ADP
ejif-6202	64	65	loans	loan	NOUN
ejif-6202	64	66	)	)	PUNCT
ejif-6202	64	67	by	by	ADP
ejif-6202	64	68	the	the	DET
ejif-6202	64	69	nominal	nominal	ADJ
ejif-6202	64	70	value	value	NOUN
ejif-6202	64	71	of	of	ADP
ejif-6202	64	72	the	the	DET
ejif-6202	64	73	loan	loan	NOUN
ejif-6202	64	74	.	.	PUNCT
ejif-6202	65	1	the	the	DET
ejif-6202	65	2	main	main	ADJ
ejif-6202	65	3	advantage	advantage	NOUN
ejif-6202	65	4	of	of	ADP
ejif-6202	65	5	this	this	DET
ejif-6202	65	6	model	model	NOUN
ejif-6202	65	7	is	be	AUX
ejif-6202	65	8	its	its	PRON
ejif-6202	65	9	simplicity	simplicity	NOUN
ejif-6202	65	10	.	.	PUNCT
ejif-6202	66	1	the	the	DET
ejif-6202	66	2	regulator	regulator	NOUN
ejif-6202	66	3	can	can	AUX
ejif-6202	66	4	easily	easily	ADV
ejif-6202	66	5	audit	audit	VERB
ejif-6202	66	6	the	the	DET
ejif-6202	66	7	computation	computation	NOUN
ejif-6202	66	8	and	and	CCONJ
ejif-6202	66	9	track	track	VERB
ejif-6202	66	10	the	the	DET
ejif-6202	66	11	evolution	evolution	NOUN
ejif-6202	66	12	from	from	ADP
ejif-6202	66	13	one	one	NUM
ejif-6202	66	14	reporting	reporting	NOUN
ejif-6202	66	15	period	period	NOUN
ejif-6202	66	16	to	to	ADP
ejif-6202	66	17	the	the	DET
ejif-6202	66	18	other	other	ADJ
ejif-6202	66	19	.	.	PUNCT
ejif-6202	67	1	the	the	DET
ejif-6202	67	2	main	main	ADJ
ejif-6202	67	3	drawback	drawback	NOUN
ejif-6202	67	4	is	be	AUX
ejif-6202	67	5	the	the	DET
ejif-6202	67	6	absence	absence	NOUN
ejif-6202	67	7	of	of	ADP
ejif-6202	67	8	the	the	DET
ejif-6202	67	9	covariance	covariance	NOUN
ejif-6202	67	10	effect	effect	NOUN
ejif-6202	67	11	between	between	ADP
ejif-6202	67	12	loans	loan	NOUN
ejif-6202	67	13	.	.	PUNCT
ejif-6202	68	1	this	this	DET
ejif-6202	68	2	absence	absence	NOUN
ejif-6202	68	3	can	can	AUX
ejif-6202	68	4	work	work	VERB
ejif-6202	68	5	in	in	ADP
ejif-6202	68	6	two	two	NUM
ejif-6202	68	7	different	different	ADJ
ejif-6202	68	8	directions	direction	NOUN
ejif-6202	68	9	.	.	PUNCT
ejif-6202	69	1	for	for	ADP
ejif-6202	69	2	example	example	NOUN
ejif-6202	69	3	,	,	PUNCT
ejif-6202	69	4	the	the	DET
ejif-6202	69	5	benefit	benefit	NOUN
ejif-6202	69	6	of	of	ADP
ejif-6202	69	7	a	a	DET
ejif-6202	69	8	diversification	diversification	NOUN
ejif-6202	69	9	strategy	strategy	NOUN
ejif-6202	69	10	with	with	ADP
ejif-6202	69	11	negatively	negatively	ADV
ejif-6202	69	12	correlated	correlate	VERB
ejif-6202	69	13	loans	loan	NOUN
ejif-6202	69	14	is	be	AUX
ejif-6202	69	15	not	not	PART
ejif-6202	69	16	reflected	reflect	VERB
ejif-6202	69	17	in	in	ADP
ejif-6202	69	18	this	this	DET
ejif-6202	69	19	ratio	ratio	NOUN
ejif-6202	69	20	.	.	PUNCT
ejif-6202	70	1	the	the	DET
ejif-6202	70	2	potential	potential	ADJ
ejif-6202	70	3	negative	negative	ADJ
ejif-6202	70	4	impact	impact	NOUN
ejif-6202	70	5	of	of	ADP
ejif-6202	70	6	having	having	AUX
ejif-6202	70	7	correlated	correlate	VERB
ejif-6202	70	8	loans	loan	NOUN
ejif-6202	70	9	in	in	ADP
ejif-6202	70	10	different	different	ADJ
ejif-6202	70	11	classes	class	NOUN
ejif-6202	70	12	is	be	AUX
ejif-6202	70	13	not	not	PART
ejif-6202	70	14	translated	translate	VERB
ejif-6202	70	15	either	either	ADV
ejif-6202	70	16	.	.	PUNCT
ejif-6202	71	1	furthermore	furthermore	ADV
ejif-6202	71	2	,	,	PUNCT
ejif-6202	71	3	the	the	DET
ejif-6202	71	4	effectiveness	effectiveness	NOUN
ejif-6202	71	5	of	of	ADP
ejif-6202	71	6	this	this	DET
ejif-6202	71	7	ratio	ratio	NOUN
ejif-6202	71	8	is	be	AUX
ejif-6202	71	9	heavily	heavily	ADV
ejif-6202	71	10	dependent	dependent	ADJ
ejif-6202	71	11	on	on	ADP
ejif-6202	71	12	the	the	DET
ejif-6202	71	13	methodology	methodology	NOUN
ejif-6202	71	14	used	use	VERB
ejif-6202	71	15	to	to	PART
ejif-6202	71	16	determine	determine	VERB
ejif-6202	71	17	the	the	DET
ejif-6202	71	18	risk	risk	NOUN
ejif-6202	71	19	factor	factor	NOUN
ejif-6202	71	20	associated	associate	VERB
ejif-6202	71	21	with	with	ADP
ejif-6202	71	22	each	each	DET
ejif-6202	71	23	class	class	NOUN
ejif-6202	71	24	of	of	ADP
ejif-6202	71	25	loans	loan	NOUN
ejif-6202	71	26	.	.	PUNCT
ejif-6202	72	1	a	a	DET
ejif-6202	72	2	different	different	ADJ
ejif-6202	72	3	approach	approach	NOUN
ejif-6202	72	4	is	be	AUX
ejif-6202	72	5	the	the	DET
ejif-6202	72	6	utilization	utilization	NOUN
ejif-6202	72	7	of	of	ADP
ejif-6202	72	8	a	a	DET
ejif-6202	72	9	factor	factor	NOUN
ejif-6202	72	10	sensitivity	sensitivity	NOUN
ejif-6202	72	11	measure	measure	NOUN
ejif-6202	72	12	.	.	PUNCT
ejif-6202	73	1	this	this	DET
ejif-6202	73	2	measure	measure	NOUN
ejif-6202	73	3	can	can	AUX
ejif-6202	73	4	be	be	AUX
ejif-6202	73	5	expressed	express	VERB
ejif-6202	73	6	for	for	ADP
ejif-6202	73	7	the	the	DET
ejif-6202	73	8	value	value	NOUN
ejif-6202	73	9	of	of	ADP
ejif-6202	73	10	a	a	DET
ejif-6202	73	11	portfolio	portfolio	NOUN
ejif-6202	73	12	𝑉	𝑉	PROPN
ejif-6202	73	13	!	!	PUNCT
ejif-6202	73	14	=	=	PUNCT
ejif-6202	74	1	𝑓(𝑡	𝑓(𝑡	NOUN
ejif-6202	74	2	!	!	PROPN
ejif-6202	74	3	,	,	PUNCT
ejif-6202	74	4	𝑍	𝑍	PROPN
ejif-6202	74	5	!	!	PUNCT
ejif-6202	74	6	)	)	PUNCT
ejif-6202	75	1	at	at	ADP
ejif-6202	75	2	time	time	NOUN
ejif-6202	75	3	n	n	CCONJ
ejif-6202	75	4	,	,	PUNCT
ejif-6202	75	5	as	as	ADP
ejif-6202	75	6	𝑓"!(𝑡	𝑓"!(𝑡	PROPN
ejif-6202	75	7	!	!	PROPN
ejif-6202	75	8	,	,	PUNCT
ejif-6202	75	9	𝑍	𝑍	PROPN
ejif-6202	75	10	!	!	PUNCT
ejif-6202	75	11	)	)	PUNCT
ejif-6202	75	12	=	=	PUNCT
ejif-6202	76	1	𝜕𝑓	𝜕𝑓	ADJ
ejif-6202	76	2	𝜕𝑧	𝜕𝑧	NOUN
ejif-6202	76	3	#	#	NOUN
ejif-6202	76	4	(	(	PUNCT
ejif-6202	76	5	𝑡	𝑡	X
ejif-6202	76	6	!	!	NOUN
ejif-6202	76	7	,	,	PUNCT
ejif-6202	76	8	𝑍	𝑍	PROPN
ejif-6202	76	9	!	!	PUNCT
ejif-6202	76	10	)	)	PUNCT
ejif-6202	77	1	the	the	DET
ejif-6202	77	2	factor	factor	NOUN
ejif-6202	77	3	sensitivity	sensitivity	NOUN
ejif-6202	77	4	approach	approach	NOUN
ejif-6202	77	5	is	be	AUX
ejif-6202	77	6	important	important	ADJ
ejif-6202	77	7	to	to	PART
ejif-6202	77	8	analyze	analyze	VERB
ejif-6202	77	9	the	the	DET
ejif-6202	77	10	portfolio	portfolio	NOUN
ejif-6202	77	11	's	's	PART
ejif-6202	77	12	robustness	robustness	NOUN
ejif-6202	77	13	with	with	ADP
ejif-6202	77	14	respect	respect	NOUN
ejif-6202	77	15	to	to	ADP
ejif-6202	77	16	a	a	DET
ejif-6202	77	17	change	change	NOUN
ejif-6202	77	18	in	in	ADP
ejif-6202	77	19	risk	risk	NOUN
ejif-6202	77	20	-	-	PUNCT
ejif-6202	77	21	factor	factor	NOUN
ejif-6202	77	22	.	.	PUNCT
ejif-6202	78	1	however	however	ADV
ejif-6202	78	2	,	,	PUNCT
ejif-6202	78	3	it	it	PRON
ejif-6202	78	4	is	be	AUX
ejif-6202	78	5	difficult	difficult	ADJ
ejif-6202	78	6	to	to	PART
ejif-6202	78	7	aggregate	aggregate	VERB
ejif-6202	78	8	all	all	DET
ejif-6202	78	9	sensitivities	sensitivity	NOUN
ejif-6202	78	10	together	together	ADV
ejif-6202	78	11	to	to	PART
ejif-6202	78	12	determine	determine	VERB
ejif-6202	78	13	the	the	DET
ejif-6202	78	14	overall	overall	ADJ
ejif-6202	78	15	riskiness	riskiness	NOUN
ejif-6202	78	16	of	of	ADP
ejif-6202	78	17	the	the	DET
ejif-6202	78	18	loan	loan	NOUN
ejif-6202	78	19	portfolio	portfolio	NOUN
ejif-6202	79	1	[	[	X
ejif-6202	79	2	9	9	NUM
ejif-6202	79	3	]	]	PUNCT
ejif-6202	79	4	.	.	PUNCT
ejif-6202	80	1	the	the	DET
ejif-6202	80	2	most	most	ADV
ejif-6202	80	3	conventional	conventional	ADJ
ejif-6202	80	4	approach	approach	NOUN
ejif-6202	80	5	to	to	PART
ejif-6202	80	6	risk	risk	NOUN
ejif-6202	80	7	modeling	modeling	NOUN
ejif-6202	80	8	is	be	AUX
ejif-6202	80	9	utilizing	utilize	VERB
ejif-6202	80	10	a	a	DET
ejif-6202	80	11	loss	loss	NOUN
ejif-6202	80	12	distribution	distribution	NOUN
ejif-6202	80	13	approach	approach	NOUN
ejif-6202	80	14	.	.	PUNCT
ejif-6202	81	1	the	the	DET
ejif-6202	81	2	main	main	ADJ
ejif-6202	81	3	objective	objective	NOUN
ejif-6202	81	4	is	be	AUX
ejif-6202	81	5	to	to	PART
ejif-6202	81	6	estimate	estimate	VERB
ejif-6202	81	7	the	the	DET
ejif-6202	81	8	loss	loss	NOUN
ejif-6202	81	9	𝐿!$%	𝐿!$%	PRON
ejif-6202	81	10	given	give	VERB
ejif-6202	81	11	a	a	DET
ejif-6202	81	12	probability	probability	NOUN
ejif-6202	81	13	distribution	distribution	NOUN
ejif-6202	81	14	𝐹	𝐹	PROPN
ejif-6202	81	15	&	&	CCONJ
ejif-6202	81	16	that	that	PRON
ejif-6202	81	17	is	be	AUX
ejif-6202	81	18	estimated	estimate	VERB
ejif-6202	81	19	european	european	ADJ
ejif-6202	81	20	journal	journal	PROPN
ejif-6202	81	21	of	of	ADP
ejif-6202	81	22	islamic	islamic	PROPN
ejif-6202	81	23	finance	finance	PROPN
ejif-6202	81	24	issn	issn	PROPN
ejif-6202	81	25	:	:	PUNCT
ejif-6202	81	26	2421	2421	NUM
ejif-6202	81	27	-	-	SYM
ejif-6202	81	28	2172	2172	NUM
ejif-6202	81	29	doi	doi	NOUN
ejif-6202	81	30	:	:	PUNCT
ejif-6202	81	31	10.13135/2421	10.13135/2421	NUM
ejif-6202	81	32	-	-	PUNCT
ejif-6202	81	33	2172/6202published	2172/6202publishe	VERB
ejif-6202	81	34	by	by	ADP
ejif-6202	81	35	the	the	DET
ejif-6202	81	36	university	university	PROPN
ejif-6202	81	37	of	of	ADP
ejif-6202	81	38	turin	turin	PROPN
ejif-6202	82	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	82	2	ejif	ejif	PROPN
ejif-6202	82	3	content	content	NOUN
ejif-6202	82	4	is	be	AUX
ejif-6202	82	5	licensed	license	VERB
ejif-6202	82	6	under	under	ADP
ejif-6202	82	7	a	a	DET
ejif-6202	82	8	creative	creative	ADJ
ejif-6202	82	9	commons	common	NOUN
ejif-6202	82	10	attribution	attribution	NOUN
ejif-6202	82	11	4.0	4.0	NUM
ejif-6202	82	12	international	international	ADJ
ejif-6202	82	13	license	license	NOUN
ejif-6202	82	14	received	receive	VERB
ejif-6202	82	15	:	:	PUNCT
ejif-6202	82	16	11/08/2021	11/08/2021	NUM
ejif-6202	82	17	accepted	accept	VERB
ejif-6202	82	18	for	for	ADP
ejif-6202	82	19	publication	publication	NOUN
ejif-6202	82	20	:	:	PUNCT
ejif-6202	82	21	20/07/2022	20/07/2022	NUM
ejif-6202	82	22	published	publish	VERB
ejif-6202	82	23	:	:	PUNCT
ejif-6202	82	24	29/07/2022	29/07/2022	NUM
ejif-6202	82	25	37	37	NUM
ejif-6202	82	26	from	from	ADP
ejif-6202	82	27	historical	historical	ADJ
ejif-6202	82	28	data	datum	NOUN
ejif-6202	82	29	.	.	PUNCT
ejif-6202	83	1	the	the	DET
ejif-6202	83	2	challenge	challenge	NOUN
ejif-6202	83	3	that	that	PRON
ejif-6202	83	4	arises	arise	VERB
ejif-6202	83	5	from	from	ADP
ejif-6202	83	6	this	this	PRON
ejif-6202	83	7	is	be	AUX
ejif-6202	83	8	to	to	PART
ejif-6202	83	9	determine	determine	VERB
ejif-6202	83	10	the	the	DET
ejif-6202	83	11	distribution	distribution	NOUN
ejif-6202	83	12	and	and	CCONJ
ejif-6202	83	13	its	its	PRON
ejif-6202	83	14	parameters	parameter	NOUN
ejif-6202	83	15	[	[	X
ejif-6202	83	16	10	10	NUM
ejif-6202	83	17	]	]	PUNCT
ejif-6202	83	18	.	.	PUNCT
ejif-6202	84	1	a	a	DET
ejif-6202	84	2	widely	widely	ADV
ejif-6202	84	3	used	use	VERB
ejif-6202	84	4	parameter	parameter	NOUN
ejif-6202	84	5	used	use	VERB
ejif-6202	84	6	for	for	ADP
ejif-6202	84	7	risk	risk	NOUN
ejif-6202	84	8	assessment	assessment	NOUN
ejif-6202	84	9	is	be	AUX
ejif-6202	84	10	the	the	DET
ejif-6202	84	11	standard	standard	ADJ
ejif-6202	84	12	deviation	deviation	NOUN
ejif-6202	84	13	.	.	PUNCT
ejif-6202	85	1	however	however	ADV
ejif-6202	85	2	,	,	PUNCT
ejif-6202	85	3	this	this	PRON
ejif-6202	85	4	depends	depend	VERB
ejif-6202	85	5	on	on	ADP
ejif-6202	85	6	the	the	DET
ejif-6202	85	7	context	context	NOUN
ejif-6202	85	8	,	,	PUNCT
ejif-6202	85	9	and	and	CCONJ
ejif-6202	85	10	the	the	DET
ejif-6202	85	11	standard	standard	ADJ
ejif-6202	85	12	deviation	deviation	NOUN
ejif-6202	85	13	may	may	AUX
ejif-6202	85	14	be	be	AUX
ejif-6202	85	15	inadequate	inadequate	ADJ
ejif-6202	85	16	for	for	ADP
ejif-6202	85	17	several	several	ADJ
ejif-6202	85	18	applications	application	NOUN
ejif-6202	85	19	.	.	PUNCT
ejif-6202	86	1	specifically	specifically	ADV
ejif-6202	86	2	,	,	PUNCT
ejif-6202	86	3	the	the	DET
ejif-6202	86	4	standard	standard	ADJ
ejif-6202	86	5	deviation	deviation	NOUN
ejif-6202	86	6	is	be	AUX
ejif-6202	86	7	only	only	ADV
ejif-6202	86	8	defined	define	VERB
ejif-6202	86	9	for	for	ADP
ejif-6202	86	10	distributions	distribution	NOUN
ejif-6202	86	11	that	that	PRON
ejif-6202	86	12	fulfill	fulfill	VERB
ejif-6202	86	13	𝐸(𝐿	𝐸(𝐿	NOUN
ejif-6202	86	14	'	'	PUNCT
ejif-6202	86	15	)	)	PUNCT
ejif-6202	87	1	<	<	X
ejif-6202	87	2	∞.	∞.	PROPN
ejif-6202	87	3	probability	probability	NOUN
ejif-6202	87	4	distributions	distribution	NOUN
ejif-6202	87	5	with	with	ADP
ejif-6202	87	6	fat	fat	ADJ
ejif-6202	87	7	tails	tail	NOUN
ejif-6202	87	8	(	(	PUNCT
ejif-6202	87	9	i.e.	i.e.	X
ejif-6202	87	10	,	,	PUNCT
ejif-6202	87	11	kurtosis	kurtosis	VERB
ejif-6202	87	12	>	>	X
ejif-6202	87	13	3	3	X
ejif-6202	87	14	)	)	PUNCT
ejif-6202	87	15	do	do	AUX
ejif-6202	87	16	not	not	PART
ejif-6202	87	17	fulfill	fulfill	VERB
ejif-6202	87	18	this	this	DET
ejif-6202	87	19	criterion	criterion	NOUN
ejif-6202	87	20	.	.	PUNCT
ejif-6202	88	1	additionally	additionally	ADV
ejif-6202	88	2	,	,	PUNCT
ejif-6202	88	3	the	the	DET
ejif-6202	88	4	standard	standard	ADJ
ejif-6202	88	5	deviation	deviation	NOUN
ejif-6202	88	6	does	do	AUX
ejif-6202	88	7	not	not	PART
ejif-6202	88	8	distinguish	distinguish	VERB
ejif-6202	88	9	between	between	ADP
ejif-6202	88	10	positive	positive	ADJ
ejif-6202	88	11	and	and	CCONJ
ejif-6202	88	12	negative	negative	ADJ
ejif-6202	88	13	events	event	NOUN
ejif-6202	88	14	as	as	SCONJ
ejif-6202	88	15	it	it	PRON
ejif-6202	88	16	sums	sum	VERB
ejif-6202	88	17	the	the	DET
ejif-6202	88	18	absolute	absolute	ADJ
ejif-6202	88	19	deviation	deviation	NOUN
ejif-6202	88	20	from	from	ADP
ejif-6202	88	21	the	the	DET
ejif-6202	88	22	mean	mean	NOUN
ejif-6202	88	23	equally	equally	ADV
ejif-6202	88	24	.	.	PUNCT
ejif-6202	89	1	a	a	DET
ejif-6202	89	2	critical	critical	ADJ
ejif-6202	89	3	alternative	alternative	ADJ
ejif-6202	89	4	measurement	measurement	NOUN
ejif-6202	89	5	criterion	criterion	NOUN
ejif-6202	89	6	is	be	AUX
ejif-6202	89	7	the	the	DET
ejif-6202	89	8	value	value	NOUN
ejif-6202	89	9	-	-	PUNCT
ejif-6202	89	10	atrisk	atrisk	NOUN
ejif-6202	89	11	(	(	PUNCT
ejif-6202	89	12	var	var	NOUN
ejif-6202	89	13	)	)	PUNCT
ejif-6202	89	14	quantifier	quantifier	NOUN
ejif-6202	89	15	.	.	PUNCT
ejif-6202	90	1	the	the	DET
ejif-6202	90	2	var	var	NOUN
ejif-6202	90	3	is	be	AUX
ejif-6202	90	4	defined	define	VERB
ejif-6202	90	5	as	as	ADP
ejif-6202	90	6	𝑉𝑎𝑅((𝐿	𝑉𝑎𝑅((𝐿	ADJ
ejif-6202	90	7	)	)	PUNCT
ejif-6202	90	8	=	=	SYM
ejif-6202	90	9	inf	inf	NOUN
ejif-6202	90	10	{	{	PUNCT
ejif-6202	90	11	𝑙	𝑙	X
ejif-6202	90	12	∈	∈	PROPN
ejif-6202	90	13	ℝ	ℝ	PROPN
ejif-6202	90	14	:	:	PUNCT
ejif-6202	90	15	𝑃(𝐿	𝑃(𝐿	X
ejif-6202	90	16	>	>	X
ejif-6202	90	17	𝑙	𝑙	X
ejif-6202	90	18	)	)	PUNCT
ejif-6202	90	19	≤	≤	NUM
ejif-6202	90	20	1	1	NUM
ejif-6202	90	21	−	−	NOUN
ejif-6202	90	22	𝛼	𝛼	X
ejif-6202	90	23	}	}	PUNCT
ejif-6202	90	24	which	which	PRON
ejif-6202	90	25	implies	imply	VERB
ejif-6202	90	26	that	that	SCONJ
ejif-6202	90	27	for	for	ADP
ejif-6202	90	28	each	each	DET
ejif-6202	90	29	confidence	confidence	NOUN
ejif-6202	90	30	level	level	NOUN
ejif-6202	90	31	𝛼	𝛼	NOUN
ejif-6202	90	32	∈	∈	NOUN
ejif-6202	90	33	(	(	PUNCT
ejif-6202	90	34	[	[	X
ejif-6202	90	35	0,1	0,1	NUM
ejif-6202	90	36	]	]	PUNCT
ejif-6202	90	37	)	)	PUNCT
ejif-6202	90	38	the	the	DET
ejif-6202	90	39	probability	probability	NOUN
ejif-6202	90	40	that	that	SCONJ
ejif-6202	90	41	the	the	DET
ejif-6202	90	42	loss	loss	NOUN
ejif-6202	90	43	l	l	NOUN
ejif-6202	90	44	exceeds	exceed	NOUN
ejif-6202	90	45	l	l	NOUN
ejif-6202	90	46	is	be	AUX
ejif-6202	90	47	less	less	ADJ
ejif-6202	90	48	than	than	ADP
ejif-6202	90	49	1	1	NUM
ejif-6202	90	50	−	−	NOUN
ejif-6202	90	51	𝛼.	𝛼.	NOUN
ejif-6202	90	52	while	while	SCONJ
ejif-6202	90	53	the	the	DET
ejif-6202	90	54	var	var	NOUN
ejif-6202	90	55	is	be	AUX
ejif-6202	90	56	an	an	DET
ejif-6202	90	57	important	important	ADJ
ejif-6202	90	58	measurement	measurement	NOUN
ejif-6202	90	59	criterion	criterion	NOUN
ejif-6202	90	60	and	and	CCONJ
ejif-6202	90	61	has	have	AUX
ejif-6202	90	62	attracted	attract	VERB
ejif-6202	90	63	the	the	DET
ejif-6202	90	64	attention	attention	NOUN
ejif-6202	90	65	of	of	ADP
ejif-6202	90	66	regulators	regulator	NOUN
ejif-6202	90	67	,	,	PUNCT
ejif-6202	90	68	it	it	PRON
ejif-6202	90	69	has	have	VERB
ejif-6202	90	70	considerable	considerable	ADJ
ejif-6202	90	71	limitations	limitation	NOUN
ejif-6202	90	72	[	[	X
ejif-6202	90	73	7	7	NUM
ejif-6202	90	74	]	]	PUNCT
ejif-6202	90	75	.	.	PUNCT
ejif-6202	91	1	specifically	specifically	ADV
ejif-6202	91	2	,	,	PUNCT
ejif-6202	91	3	it	it	PRON
ejif-6202	91	4	does	do	AUX
ejif-6202	91	5	not	not	PART
ejif-6202	91	6	provide	provide	VERB
ejif-6202	91	7	any	any	DET
ejif-6202	91	8	information	information	NOUN
ejif-6202	91	9	on	on	ADP
ejif-6202	91	10	the	the	DET
ejif-6202	91	11	magnitude	magnitude	NOUN
ejif-6202	91	12	of	of	ADP
ejif-6202	91	13	the	the	DET
ejif-6202	91	14	expected	expect	VERB
ejif-6202	91	15	loss	loss	NOUN
ejif-6202	91	16	.	.	PUNCT
ejif-6202	92	1	the	the	DET
ejif-6202	92	2	shape	shape	NOUN
ejif-6202	92	3	of	of	ADP
ejif-6202	92	4	the	the	DET
ejif-6202	92	5	loss	loss	NOUN
ejif-6202	92	6	curve	curve	NOUN
ejif-6202	92	7	after	after	ADP
ejif-6202	92	8	the	the	DET
ejif-6202	92	9	var	var	NOUN
ejif-6202	92	10	point	point	NOUN
ejif-6202	92	11	does	do	AUX
ejif-6202	92	12	not	not	PART
ejif-6202	92	13	impact	impact	VERB
ejif-6202	92	14	the	the	DET
ejif-6202	92	15	var	var	NOUN
ejif-6202	92	16	calculation	calculation	NOUN
ejif-6202	92	17	.	.	PUNCT
ejif-6202	93	1	the	the	DET
ejif-6202	93	2	computation	computation	NOUN
ejif-6202	93	3	of	of	ADP
ejif-6202	93	4	the	the	DET
ejif-6202	93	5	expected	expect	VERB
ejif-6202	93	6	loss	loss	NOUN
ejif-6202	93	7	is	be	AUX
ejif-6202	93	8	necessary	necessary	ADJ
ejif-6202	93	9	.	.	PUNCT
ejif-6202	94	1	it	it	PRON
ejif-6202	94	2	is	be	AUX
ejif-6202	94	3	defined	define	VERB
ejif-6202	94	4	as	as	ADP
ejif-6202	94	5	𝐸𝑆((𝐿	𝐸𝑆((𝐿	NOUN
ejif-6202	94	6	)	)	PUNCT
ejif-6202	94	7	=	=	PUNCT
ejif-6202	95	1	𝐸(𝐿|𝐿	𝐸(𝐿|𝐿	ADJ
ejif-6202	95	2	≥	≥	NOUN
ejif-6202	95	3	𝑉𝑎𝑅((𝐿	𝑉𝑎𝑅((𝐿	NOUN
ejif-6202	95	4	)	)	PUNCT
ejif-6202	95	5	)	)	PUNCT
ejif-6202	96	1	these	these	DET
ejif-6202	96	2	computations	computation	NOUN
ejif-6202	96	3	present	present	VERB
ejif-6202	96	4	a	a	DET
ejif-6202	96	5	statistical	statistical	ADJ
ejif-6202	96	6	challenge	challenge	NOUN
ejif-6202	96	7	due	due	ADJ
ejif-6202	96	8	both	both	PRON
ejif-6202	96	9	to	to	ADP
ejif-6202	96	10	their	their	PRON
ejif-6202	96	11	limited	limited	ADJ
ejif-6202	96	12	number	number	NOUN
ejif-6202	96	13	of	of	ADP
ejif-6202	96	14	degrees	degree	NOUN
ejif-6202	96	15	of	of	ADP
ejif-6202	96	16	freedom	freedom	NOUN
ejif-6202	96	17	and	and	CCONJ
ejif-6202	96	18	to	to	ADP
ejif-6202	96	19	specific	specific	ADJ
ejif-6202	96	20	probability	probability	NOUN
ejif-6202	96	21	distribution	distribution	NOUN
ejif-6202	96	22	assumptions	assumption	NOUN
ejif-6202	96	23	on	on	ADP
ejif-6202	96	24	the	the	DET
ejif-6202	96	25	data	datum	NOUN
ejif-6202	96	26	that	that	PRON
ejif-6202	96	27	underlie	underlie	VERB
ejif-6202	96	28	them	they	PRON
ejif-6202	96	29	[	[	X
ejif-6202	96	30	9	9	NUM
ejif-6202	96	31	]	]	PUNCT
ejif-6202	96	32	.	.	PUNCT
ejif-6202	97	1	in	in	ADP
ejif-6202	97	2	summary	summary	NOUN
ejif-6202	97	3	,	,	PUNCT
ejif-6202	97	4	most	most	ADJ
ejif-6202	97	5	regulators	regulator	NOUN
ejif-6202	97	6	prefer	prefer	VERB
ejif-6202	97	7	the	the	DET
ejif-6202	97	8	ethical	ethical	ADJ
ejif-6202	97	9	transparency	transparency	NOUN
ejif-6202	97	10	and	and	CCONJ
ejif-6202	97	11	auditability	auditability	NOUN
ejif-6202	97	12	of	of	ADP
ejif-6202	97	13	such	such	ADJ
ejif-6202	97	14	established	establish	VERB
ejif-6202	97	15	statistical	statistical	ADJ
ejif-6202	97	16	models	model	NOUN
ejif-6202	97	17	primarily	primarily	ADV
ejif-6202	97	18	based	base	VERB
ejif-6202	97	19	on	on	ADP
ejif-6202	97	20	a	a	DET
ejif-6202	97	21	limited	limited	ADJ
ejif-6202	97	22	number	number	NOUN
ejif-6202	97	23	of	of	ADP
ejif-6202	97	24	frequently	frequently	ADV
ejif-6202	97	25	used	use	VERB
ejif-6202	97	26	statistical	statistical	ADJ
ejif-6202	97	27	assumptions	assumption	NOUN
ejif-6202	97	28	.	.	PUNCT
ejif-6202	98	1	therefore	therefore	ADV
ejif-6202	98	2	,	,	PUNCT
ejif-6202	98	3	understanding	understand	VERB
ejif-6202	98	4	the	the	DET
ejif-6202	98	5	model	model	NOUN
ejif-6202	98	6	becomes	become	VERB
ejif-6202	98	7	more	more	ADV
ejif-6202	98	8	important	important	ADJ
ejif-6202	98	9	than	than	ADP
ejif-6202	98	10	understanding	understand	VERB
ejif-6202	98	11	the	the	DET
ejif-6202	98	12	data	datum	NOUN
ejif-6202	98	13	.	.	PUNCT
ejif-6202	99	1	financial	financial	ADJ
ejif-6202	99	2	institutions	institution	NOUN
ejif-6202	99	3	are	be	AUX
ejif-6202	99	4	then	then	ADV
ejif-6202	99	5	tempted	tempt	VERB
ejif-6202	99	6	to	to	PART
ejif-6202	99	7	make	make	VERB
ejif-6202	99	8	the	the	DET
ejif-6202	99	9	data	datum	NOUN
ejif-6202	99	10	fit	fit	VERB
ejif-6202	99	11	the	the	DET
ejif-6202	99	12	statistical	statistical	ADJ
ejif-6202	99	13	model	model	NOUN
ejif-6202	99	14	they	they	PRON
ejif-6202	99	15	use	use	VERB
ejif-6202	99	16	,	,	PUNCT
ejif-6202	99	17	or	or	CCONJ
ejif-6202	99	18	that	that	PRON
ejif-6202	99	19	has	have	AUX
ejif-6202	99	20	been	be	AUX
ejif-6202	99	21	prescribed	prescribe	VERB
ejif-6202	99	22	by	by	ADP
ejif-6202	99	23	the	the	DET
ejif-6202	99	24	regulator	regulator	NOUN
ejif-6202	99	25	rather	rather	ADV
ejif-6202	99	26	than	than	ADP
ejif-6202	99	27	developing	develop	VERB
ejif-6202	99	28	a	a	DET
ejif-6202	99	29	fit	fit	NOUN
ejif-6202	99	30	-	-	PUNCT
ejif-6202	99	31	for	for	ADP
ejif-6202	99	32	-	-	PUNCT
ejif-6202	99	33	purpose	purpose	NOUN
ejif-6202	99	34	alternative	alternative	NOUN
ejif-6202	100	1	[	[	X
ejif-6202	100	2	11	11	NUM
ejif-6202	100	3	]	]	PUNCT
ejif-6202	100	4	.	.	PUNCT
ejif-6202	101	1	the	the	DET
ejif-6202	101	2	great	great	ADJ
ejif-6202	101	3	financial	financial	ADJ
ejif-6202	101	4	crisis	crisis	NOUN
ejif-6202	101	5	of	of	ADP
ejif-6202	101	6	2008	2008	NUM
ejif-6202	101	7	-	-	SYM
ejif-6202	101	8	2009	2009	NUM
ejif-6202	101	9	has	have	AUX
ejif-6202	101	10	amply	amply	ADV
ejif-6202	101	11	demonstrated	demonstrate	VERB
ejif-6202	101	12	that	that	SCONJ
ejif-6202	101	13	most	most	ADJ
ejif-6202	101	14	risk	risk	NOUN
ejif-6202	101	15	models	model	NOUN
ejif-6202	101	16	did	do	AUX
ejif-6202	101	17	not	not	PART
ejif-6202	101	18	sufficiently	sufficiently	ADV
ejif-6202	101	19	capture	capture	VERB
ejif-6202	101	20	capital	capital	NOUN
ejif-6202	101	21	risks	risk	NOUN
ejif-6202	101	22	.	.	PUNCT
ejif-6202	102	1	they	they	PRON
ejif-6202	102	2	were	be	AUX
ejif-6202	102	3	not	not	PART
ejif-6202	102	4	comprehensive	comprehensive	ADJ
ejif-6202	102	5	enough	enough	ADV
ejif-6202	102	6	to	to	PART
ejif-6202	102	7	include	include	VERB
ejif-6202	102	8	extreme	extreme	ADJ
ejif-6202	102	9	events	event	NOUN
ejif-6202	102	10	and	and	CCONJ
ejif-6202	102	11	underestimated	underestimate	VERB
ejif-6202	102	12	their	their	PRON
ejif-6202	102	13	true	true	ADJ
ejif-6202	102	14	frequency	frequency	NOUN
ejif-6202	102	15	,	,	PUNCT
ejif-6202	102	16	particularly	particularly	ADV
ejif-6202	102	17	the	the	DET
ejif-6202	102	18	sharp	sharp	ADJ
ejif-6202	102	19	increase	increase	NOUN
ejif-6202	102	20	of	of	ADP
ejif-6202	102	21	covariance	covariance	NOUN
ejif-6202	102	22	between	between	ADP
ejif-6202	102	23	loans	loan	NOUN
ejif-6202	102	24	at	at	ADP
ejif-6202	102	25	times	time	NOUN
ejif-6202	102	26	of	of	ADP
ejif-6202	102	27	general	general	ADJ
ejif-6202	102	28	financial	financial	ADJ
ejif-6202	102	29	stress	stress	NOUN
ejif-6202	102	30	.	.	PUNCT
ejif-6202	103	1	nevertheless	nevertheless	ADV
ejif-6202	103	2	,	,	PUNCT
ejif-6202	103	3	we	we	PRON
ejif-6202	103	4	posit	posit	VERB
ejif-6202	103	5	it	it	PRON
ejif-6202	103	6	is	be	AUX
ejif-6202	103	7	possible	possible	ADJ
ejif-6202	103	8	to	to	PART
ejif-6202	103	9	reconcile	reconcile	ADJ
ejif-6202	103	10	regulators	regulator	NOUN
ejif-6202	103	11	’	’	PART
ejif-6202	103	12	needs	need	NOUN
ejif-6202	103	13	and	and	CCONJ
ejif-6202	103	14	improved	improve	VERB
ejif-6202	103	15	outcomes	outcome	NOUN
ejif-6202	103	16	in	in	ADP
ejif-6202	103	17	risk	risk	NOUN
ejif-6202	103	18	management	management	NOUN
ejif-6202	103	19	.	.	PUNCT
ejif-6202	104	1	we	we	PRON
ejif-6202	104	2	hypothesize	hypothesize	VERB
ejif-6202	104	3	that	that	SCONJ
ejif-6202	104	4	techniques	technique	NOUN
ejif-6202	104	5	derived	derive	VERB
ejif-6202	104	6	from	from	ADP
ejif-6202	104	7	ai	ai	PROPN
ejif-6202	104	8	offer	offer	NOUN
ejif-6202	104	9	an	an	DET
ejif-6202	104	10	efficacious	efficacious	ADJ
ejif-6202	104	11	alternative	alternative	NOUN
ejif-6202	104	12	in	in	ADP
ejif-6202	104	13	building	build	VERB
ejif-6202	104	14	an	an	DET
ejif-6202	104	15	adequate	adequate	ADJ
ejif-6202	104	16	risk	risk	NOUN
ejif-6202	104	17	model	model	NOUN
ejif-6202	104	18	.	.	PUNCT
ejif-6202	105	1	these	these	DET
ejif-6202	105	2	models	model	NOUN
ejif-6202	105	3	will	will	AUX
ejif-6202	105	4	support	support	VERB
ejif-6202	105	5	better	well	ADJ
ejif-6202	105	6	decision	decision	NOUN
ejif-6202	105	7	-	-	PUNCT
ejif-6202	105	8	making	making	NOUN
ejif-6202	105	9	for	for	ADP
ejif-6202	105	10	financial	financial	ADJ
ejif-6202	105	11	institutions	institution	NOUN
ejif-6202	105	12	while	while	SCONJ
ejif-6202	105	13	allowing	allow	VERB
ejif-6202	105	14	regulators	regulator	NOUN
ejif-6202	105	15	to	to	PART
ejif-6202	105	16	monitor	monitor	VERB
ejif-6202	105	17	risk	risk	NOUN
ejif-6202	105	18	policies	policy	NOUN
ejif-6202	105	19	.	.	PUNCT
ejif-6202	106	1	b.	b.	PROPN
ejif-6202	106	2	artificial	artificial	ADJ
ejif-6202	106	3	intelligence	intelligence	NOUN
ejif-6202	106	4	risk	risk	NOUN
ejif-6202	106	5	model	model	NOUN
ejif-6202	106	6	ai	ai	VERB
ejif-6202	106	7	has	have	AUX
ejif-6202	106	8	gained	gain	VERB
ejif-6202	106	9	considerable	considerable	ADJ
ejif-6202	106	10	traction	traction	NOUN
ejif-6202	106	11	in	in	ADP
ejif-6202	106	12	a	a	DET
ejif-6202	106	13	variety	variety	NOUN
ejif-6202	106	14	of	of	ADP
ejif-6202	106	15	different	different	ADJ
ejif-6202	106	16	industrial	industrial	ADJ
ejif-6202	106	17	and	and	CCONJ
ejif-6202	106	18	business	business	NOUN
ejif-6202	106	19	applications	application	NOUN
ejif-6202	106	20	.	.	PUNCT
ejif-6202	107	1	it	it	PRON
ejif-6202	107	2	allows	allow	VERB
ejif-6202	107	3	novel	novel	ADJ
ejif-6202	107	4	insights	insight	NOUN
ejif-6202	107	5	from	from	ADP
ejif-6202	107	6	semi	semi	ADJ
ejif-6202	107	7	-	-	ADJ
ejif-6202	107	8	structured	structured	ADJ
ejif-6202	107	9	data	datum	NOUN
ejif-6202	107	10	.	.	PUNCT
ejif-6202	108	1	it	it	PRON
ejif-6202	108	2	facilitates	facilitate	VERB
ejif-6202	108	3	automatized	automatize	VERB
ejif-6202	108	4	decisions	decision	NOUN
ejif-6202	108	5	at	at	ADP
ejif-6202	108	6	a	a	DET
ejif-6202	108	7	lower	low	ADJ
ejif-6202	108	8	cost	cost	NOUN
ejif-6202	108	9	compared	compare	VERB
ejif-6202	108	10	to	to	ADP
ejif-6202	108	11	a	a	DET
ejif-6202	108	12	human	human	ADJ
ejif-6202	108	13	-	-	PUNCT
ejif-6202	108	14	only	only	ADJ
ejif-6202	108	15	process	process	NOUN
ejif-6202	108	16	.	.	PUNCT
ejif-6202	109	1	in	in	ADP
ejif-6202	109	2	the	the	DET
ejif-6202	109	3	islamic	islamic	ADJ
ejif-6202	109	4	microfinance	microfinance	NOUN
ejif-6202	109	5	context	context	NOUN
ejif-6202	109	6	,	,	PUNCT
ejif-6202	109	7	it	it	PRON
ejif-6202	109	8	considers	consider	VERB
ejif-6202	109	9	a	a	DET
ejif-6202	109	10	variety	variety	NOUN
ejif-6202	109	11	of	of	ADP
ejif-6202	109	12	different	different	ADJ
ejif-6202	109	13	quantitative	quantitative	ADJ
ejif-6202	109	14	and	and	CCONJ
ejif-6202	109	15	qualitative	qualitative	ADJ
ejif-6202	109	16	factors	factor	NOUN
ejif-6202	109	17	germane	germane	ADJ
ejif-6202	109	18	to	to	ADP
ejif-6202	109	19	the	the	DET
ejif-6202	109	20	specificity	specificity	NOUN
ejif-6202	109	21	and	and	CCONJ
ejif-6202	109	22	originality	originality	NOUN
ejif-6202	109	23	of	of	ADP
ejif-6202	109	24	that	that	DET
ejif-6202	109	25	industry	industry	NOUN
ejif-6202	109	26	.	.	PUNCT
ejif-6202	110	1	we	we	PRON
ejif-6202	110	2	can	can	AUX
ejif-6202	110	3	identify	identify	VERB
ejif-6202	110	4	at	at	ADP
ejif-6202	110	5	least	least	ADJ
ejif-6202	110	6	four	four	NUM
ejif-6202	110	7	areas	area	NOUN
ejif-6202	110	8	of	of	ADP
ejif-6202	110	9	relevance	relevance	NOUN
ejif-6202	110	10	:	:	PUNCT
ejif-6202	110	11	1	1	X
ejif-6202	110	12	)	)	PUNCT
ejif-6202	110	13	the	the	DET
ejif-6202	110	14	loan	loan	NOUN
ejif-6202	110	15	decisions	decision	NOUN
ejif-6202	110	16	in	in	ADP
ejif-6202	110	17	microfinance	microfinance	NOUN
ejif-6202	110	18	are	be	AUX
ejif-6202	110	19	numerous	numerous	ADJ
ejif-6202	110	20	and	and	CCONJ
ejif-6202	110	21	repetitive	repetitive	ADJ
ejif-6202	110	22	,	,	PUNCT
ejif-6202	110	23	2	2	NUM
ejif-6202	110	24	)	)	PUNCT
ejif-6202	110	25	the	the	DET
ejif-6202	110	26	islamic	islamic	PROPN
ejif-6202	110	27	finance	finance	PROPN
ejif-6202	110	28	construct	construct	NOUN
ejif-6202	110	29	of	of	ADP
ejif-6202	110	30	these	these	DET
ejif-6202	110	31	pure	pure	ADJ
ejif-6202	110	32	loans	loan	NOUN
ejif-6202	110	33	put	put	VERB
ejif-6202	110	34	pressure	pressure	NOUN
ejif-6202	110	35	on	on	ADP
ejif-6202	110	36	the	the	DET
ejif-6202	110	37	cost	cost	NOUN
ejif-6202	110	38	structure	structure	NOUN
ejif-6202	110	39	of	of	ADP
ejif-6202	110	40	the	the	DET
ejif-6202	110	41	financial	financial	ADJ
ejif-6202	110	42	institutions	institution	NOUN
ejif-6202	110	43	and	and	CCONJ
ejif-6202	110	44	requires	require	VERB
ejif-6202	110	45	a	a	DET
ejif-6202	110	46	high	high	ADJ
ejif-6202	110	47	level	level	NOUN
ejif-6202	110	48	of	of	ADP
ejif-6202	110	49	automation	automation	NOUN
ejif-6202	110	50	,	,	PUNCT
ejif-6202	110	51	3	3	X
ejif-6202	110	52	)	)	PUNCT
ejif-6202	110	53	shariah	shariah	PROPN
ejif-6202	110	54	law	law	NOUN
ejif-6202	110	55	promotes	promote	VERB
ejif-6202	110	56	the	the	DET
ejif-6202	110	57	avoidance	avoidance	NOUN
ejif-6202	110	58	of	of	ADP
ejif-6202	110	59	specific	specific	ADJ
ejif-6202	110	60	types	type	NOUN
ejif-6202	110	61	of	of	ADP
ejif-6202	110	62	uncertainties	uncertainty	NOUN
ejif-6202	110	63	4	4	NUM
ejif-6202	110	64	)	)	PUNCT
ejif-6202	110	65	the	the	DET
ejif-6202	110	66	tracking	tracking	NOUN
ejif-6202	110	67	of	of	ADP
ejif-6202	110	68	the	the	DET
ejif-6202	110	69	coverage	coverage	NOUN
ejif-6202	110	70	ratio	ratio	NOUN
ejif-6202	110	71	collateral	collateral	NOUN
ejif-6202	110	72	/	/	SYM
ejif-6202	110	73	loan	loan	NOUN
ejif-6202	110	74	must	must	AUX
ejif-6202	110	75	be	be	AUX
ejif-6202	110	76	done	do	VERB
ejif-6202	110	77	frequently	frequently	ADV
ejif-6202	110	78	to	to	PART
ejif-6202	110	79	minimize	minimize	VERB
ejif-6202	110	80	the	the	DET
ejif-6202	110	81	default	default	NOUN
ejif-6202	110	82	risk	risk	NOUN
ejif-6202	110	83	.	.	PUNCT
ejif-6202	111	1	[	[	X
ejif-6202	111	2	12	12	NUM
ejif-6202	111	3	]	]	PUNCT
ejif-6202	111	4	.	.	PUNCT
ejif-6202	112	1	at	at	ADP
ejif-6202	112	2	the	the	DET
ejif-6202	112	3	same	same	ADJ
ejif-6202	112	4	time	time	NOUN
ejif-6202	112	5	,	,	PUNCT
ejif-6202	112	6	ai	ai	AUX
ejif-6202	112	7	can	can	AUX
ejif-6202	112	8	draw	draw	VERB
ejif-6202	112	9	inferences	inference	NOUN
ejif-6202	112	10	from	from	ADP
ejif-6202	112	11	a	a	DET
ejif-6202	112	12	large	large	ADJ
ejif-6202	112	13	and	and	CCONJ
ejif-6202	112	14	evolving	evolve	VERB
ejif-6202	112	15	database	database	NOUN
ejif-6202	112	16	of	of	ADP
ejif-6202	112	17	user	user	NOUN
ejif-6202	112	18	data	data	PROPN
ejif-6202	112	19	.	.	PUNCT
ejif-6202	113	1	it	it	PRON
ejif-6202	113	2	can	can	AUX
ejif-6202	113	3	be	be	AUX
ejif-6202	113	4	optimized	optimize	VERB
ejif-6202	113	5	continuously	continuously	ADV
ejif-6202	113	6	.	.	PUNCT
ejif-6202	114	1	therefore	therefore	ADV
ejif-6202	114	2	,	,	PUNCT
ejif-6202	114	3	it	it	PRON
ejif-6202	114	4	can	can	AUX
ejif-6202	114	5	train	train	VERB
ejif-6202	114	6	itself	itself	PRON
ejif-6202	114	7	in	in	ADP
ejif-6202	114	8	adequate	adequate	ADJ
ejif-6202	114	9	conditions	condition	NOUN
ejif-6202	114	10	.	.	PUNCT
ejif-6202	115	1	nevertheless	nevertheless	ADV
ejif-6202	115	2	,	,	PUNCT
ejif-6202	115	3	as	as	SCONJ
ejif-6202	115	4	it	it	PRON
ejif-6202	115	5	is	be	AUX
ejif-6202	115	6	frequent	frequent	ADJ
ejif-6202	115	7	with	with	ADP
ejif-6202	115	8	ai	ai	ADJ
ejif-6202	115	9	-	-	PUNCT
ejif-6202	115	10	driven	drive	VERB
ejif-6202	115	11	decision	decision	NOUN
ejif-6202	115	12	processes	process	NOUN
ejif-6202	115	13	,	,	PUNCT
ejif-6202	115	14	machine	machine	NOUN
ejif-6202	115	15	learning	learning	NOUN
ejif-6202	115	16	models	model	NOUN
ejif-6202	115	17	provide	provide	VERB
ejif-6202	115	18	little	little	ADJ
ejif-6202	115	19	explainability	explainability	NOUN
ejif-6202	115	20	.	.	PUNCT
ejif-6202	116	1	it	it	PRON
ejif-6202	116	2	may	may	AUX
ejif-6202	116	3	cause	cause	VERB
ejif-6202	116	4	uncertainty	uncertainty	NOUN
ejif-6202	116	5	in	in	ADP
ejif-6202	116	6	the	the	DET
ejif-6202	116	7	final	final	ADJ
ejif-6202	116	8	go	go	NOUN
ejif-6202	116	9	/	/	SYM
ejif-6202	116	10	no	no	DET
ejif-6202	116	11	go	go	NOUN
ejif-6202	116	12	result	result	VERB
ejif-6202	116	13	[	[	X
ejif-6202	116	14	13	13	NUM
ejif-6202	116	15	]	]	PUNCT
ejif-6202	116	16	.	.	PUNCT
ejif-6202	117	1	so	so	ADV
ejif-6202	117	2	,	,	PUNCT
ejif-6202	117	3	financial	financial	ADJ
ejif-6202	117	4	institutions	institution	NOUN
ejif-6202	117	5	may	may	AUX
ejif-6202	117	6	be	be	AUX
ejif-6202	117	7	at	at	ADP
ejif-6202	117	8	a	a	DET
ejif-6202	117	9	loss	loss	NOUN
ejif-6202	117	10	to	to	PART
ejif-6202	117	11	explain	explain	VERB
ejif-6202	117	12	to	to	ADP
ejif-6202	117	13	loan	loan	NOUN
ejif-6202	117	14	applicants	applicant	NOUN
ejif-6202	117	15	why	why	SCONJ
ejif-6202	117	16	they	they	PRON
ejif-6202	117	17	have	have	AUX
ejif-6202	117	18	rejected	reject	VERB
ejif-6202	117	19	the	the	DET
ejif-6202	117	20	loan	loan	NOUN
ejif-6202	117	21	request	request	NOUN
ejif-6202	117	22	.	.	PUNCT
ejif-6202	118	1	it	it	PRON
ejif-6202	118	2	may	may	AUX
ejif-6202	118	3	also	also	ADV
ejif-6202	118	4	require	require	VERB
ejif-6202	118	5	constant	constant	ADJ
ejif-6202	118	6	monitoring	monitoring	NOUN
ejif-6202	118	7	to	to	PART
ejif-6202	118	8	avoid	avoid	VERB
ejif-6202	118	9	embedded	embed	VERB
ejif-6202	118	10	biases	bias	NOUN
ejif-6202	118	11	that	that	PRON
ejif-6202	118	12	could	could	AUX
ejif-6202	118	13	run	run	VERB
ejif-6202	118	14	contrary	contrary	ADV
ejif-6202	118	15	to	to	ADP
ejif-6202	118	16	the	the	DET
ejif-6202	118	17	notion	notion	NOUN
ejif-6202	118	18	of	of	ADP
ejif-6202	118	19	fair	fair	ADJ
ejif-6202	118	20	and	and	CCONJ
ejif-6202	118	21	equal	equal	ADJ
ejif-6202	118	22	treatment	treatment	NOUN
ejif-6202	118	23	,	,	PUNCT
ejif-6202	118	24	a	a	DET
ejif-6202	118	25	value	value	NOUN
ejif-6202	118	26	highly	highly	ADV
ejif-6202	118	27	promoted	promote	VERB
ejif-6202	118	28	by	by	ADP
ejif-6202	118	29	islamic	islamic	ADJ
ejif-6202	118	30	finance	finance	NOUN
ejif-6202	118	31	for	for	ADP
ejif-6202	118	32	the	the	DET
ejif-6202	118	33	umma	umma	NOUN
ejif-6202	118	34	at	at	ADP
ejif-6202	118	35	large	large	ADJ
ejif-6202	118	36	.	.	PUNCT
ejif-6202	119	1	if	if	SCONJ
ejif-6202	119	2	we	we	PRON
ejif-6202	119	3	examine	examine	VERB
ejif-6202	119	4	now	now	ADV
ejif-6202	119	5	the	the	DET
ejif-6202	119	6	steps	step	NOUN
ejif-6202	119	7	followed	follow	VERB
ejif-6202	119	8	by	by	ADP
ejif-6202	119	9	conventional	conventional	ADJ
ejif-6202	119	10	machine	machine	NOUN
ejif-6202	119	11	learning	learning	NOUN
ejif-6202	119	12	models	model	NOUN
ejif-6202	119	13	,	,	PUNCT
ejif-6202	119	14	they	they	PRON
ejif-6202	119	15	start	start	VERB
ejif-6202	119	16	out	out	ADP
ejif-6202	119	17	with	with	ADP
ejif-6202	119	18	a	a	DET
ejif-6202	119	19	pre	pre	ADJ
ejif-6202	119	20	-	-	ADJ
ejif-6202	119	21	processing	processing	ADJ
ejif-6202	119	22	step	step	NOUN
ejif-6202	119	23	to	to	PART
ejif-6202	119	24	analyze	analyze	VERB
ejif-6202	119	25	and	and	CCONJ
ejif-6202	119	26	filter	filter	VERB
ejif-6202	119	27	the	the	DET
ejif-6202	119	28	data	datum	NOUN
ejif-6202	119	29	.	.	PUNCT
ejif-6202	120	1	the	the	DET
ejif-6202	120	2	first	first	ADJ
ejif-6202	120	3	step	step	NOUN
ejif-6202	120	4	comprises	comprise	VERB
ejif-6202	120	5	data	datum	NOUN
ejif-6202	120	6	filtering	filtering	NOUN
ejif-6202	120	7	and	and	CCONJ
ejif-6202	120	8	data	datum	NOUN
ejif-6202	120	9	imputation	imputation	NOUN
ejif-6202	120	10	,	,	PUNCT
ejif-6202	120	11	as	as	ADV
ejif-6202	120	12	well	well	ADV
ejif-6202	120	13	as	as	ADP
ejif-6202	120	14	the	the	DET
ejif-6202	120	15	management	management	NOUN
ejif-6202	120	16	of	of	ADP
ejif-6202	120	17	data	datum	NOUN
ejif-6202	120	18	outliers	outlier	NOUN
ejif-6202	120	19	.	.	PUNCT
ejif-6202	121	1	this	this	DET
ejif-6202	121	2	phase	phase	NOUN
ejif-6202	121	3	is	be	AUX
ejif-6202	121	4	critical	critical	ADJ
ejif-6202	121	5	for	for	ADP
ejif-6202	121	6	ensuring	ensure	VERB
ejif-6202	121	7	that	that	SCONJ
ejif-6202	121	8	the	the	DET
ejif-6202	121	9	machine	machine	NOUN
ejif-6202	121	10	learning	learning	NOUN
ejif-6202	121	11	model	model	NOUN
ejif-6202	121	12	is	be	AUX
ejif-6202	121	13	robust	robust	ADJ
ejif-6202	121	14	and	and	CCONJ
ejif-6202	121	15	extracts	extract	NOUN
ejif-6202	121	16	the	the	DET
ejif-6202	121	17	core	core	NOUN
ejif-6202	121	18	features	feature	NOUN
ejif-6202	121	19	in	in	ADP
ejif-6202	121	20	the	the	DET
ejif-6202	121	21	data	datum	NOUN
ejif-6202	121	22	[	[	X
ejif-6202	121	23	14	14	NUM
ejif-6202	121	24	]	]	PUNCT
ejif-6202	121	25	.	.	PUNCT
ejif-6202	122	1	the	the	DET
ejif-6202	122	2	second	second	ADJ
ejif-6202	122	3	step	step	NOUN
ejif-6202	122	4	is	be	AUX
ejif-6202	122	5	the	the	DET
ejif-6202	122	6	choice	choice	NOUN
ejif-6202	122	7	between	between	ADP
ejif-6202	122	8	regression	regression	NOUN
ejif-6202	122	9	and	and	CCONJ
ejif-6202	122	10	classification	classification	NOUN
ejif-6202	122	11	,	,	PUNCT
ejif-6202	122	12	representing	represent	VERB
ejif-6202	122	13	a	a	DET
ejif-6202	122	14	significant	significant	ADJ
ejif-6202	122	15	differentiation	differentiation	NOUN
ejif-6202	122	16	between	between	ADP
ejif-6202	122	17	ai	ai	PROPN
ejif-6202	122	18	models	model	NOUN
ejif-6202	122	19	.	.	PUNCT
ejif-6202	123	1	whether	whether	SCONJ
ejif-6202	123	2	to	to	PART
ejif-6202	123	3	utilize	utilize	VERB
ejif-6202	123	4	a	a	DET
ejif-6202	123	5	classifier	classifier	NOUN
ejif-6202	123	6	or	or	CCONJ
ejif-6202	123	7	regression	regression	NOUN
ejif-6202	123	8	model	model	NOUN
ejif-6202	123	9	depends	depend	VERB
ejif-6202	123	10	on	on	ADP
ejif-6202	123	11	whether	whether	SCONJ
ejif-6202	123	12	one	one	PRON
ejif-6202	123	13	wants	want	VERB
ejif-6202	123	14	to	to	PART
ejif-6202	123	15	estimate	estimate	VERB
ejif-6202	123	16	the	the	DET
ejif-6202	123	17	potential	potential	ADJ
ejif-6202	123	18	loss	loss	NOUN
ejif-6202	123	19	or	or	CCONJ
ejif-6202	123	20	value	value	NOUN
ejif-6202	123	21	depreciation	depreciation	NOUN
ejif-6202	123	22	or	or	CCONJ
ejif-6202	123	23	aims	aim	VERB
ejif-6202	123	24	at	at	ADP
ejif-6202	123	25	classifying	classify	VERB
ejif-6202	123	26	the	the	DET
ejif-6202	123	27	risk	risk	NOUN
ejif-6202	123	28	incurred	incur	VERB
ejif-6202	123	29	.	.	PUNCT
ejif-6202	124	1	concerning	concern	VERB
ejif-6202	124	2	classifiers	classifier	NOUN
ejif-6202	124	3	,	,	PUNCT
ejif-6202	124	4	one	one	PRON
ejif-6202	124	5	can	can	AUX
ejif-6202	124	6	distinguish	distinguish	VERB
ejif-6202	124	7	either	either	DET
ejif-6202	124	8	1	1	NUM
ejif-6202	124	9	)	)	PUNCT
ejif-6202	124	10	heterogeneous	heterogeneous	ADJ
ejif-6202	124	11	,	,	PUNCT
ejif-6202	124	12	2	2	X
ejif-6202	124	13	)	)	PUNCT
ejif-6202	124	14	individual	individual	NOUN
ejif-6202	124	15	or	or	CCONJ
ejif-6202	124	16	3	3	X
ejif-6202	124	17	)	)	PUNCT
ejif-6202	124	18	homogeneous	homogeneous	ADJ
ejif-6202	124	19	classifiers	classifier	NOUN
ejif-6202	124	20	.	.	PUNCT
ejif-6202	125	1	heterogeneous	heterogeneous	ADJ
ejif-6202	125	2	classifiers	classifier	NOUN
ejif-6202	125	3	combine	combine	VERB
ejif-6202	125	4	the	the	DET
ejif-6202	125	5	predictions	prediction	NOUN
ejif-6202	125	6	from	from	ADP
ejif-6202	125	7	various	various	ADJ
ejif-6202	125	8	types	type	NOUN
ejif-6202	125	9	of	of	ADP
ejif-6202	125	10	models	model	NOUN
ejif-6202	125	11	and	and	CCONJ
ejif-6202	125	12	involve	involve	VERB
ejif-6202	125	13	stacking	stacking	NOUN
ejif-6202	125	14	,	,	PUNCT
ejif-6202	125	15	averaging	averaging	NOUN
ejif-6202	125	16	,	,	PUNCT
ejif-6202	125	17	and	and	CCONJ
ejif-6202	125	18	hill	hill	NOUN
ejif-6202	125	19	-	-	PUNCT
ejif-6202	125	20	climbing	climb	VERB
ejif-6202	125	21	algorithms	algorithm	NOUN
ejif-6202	125	22	.	.	PUNCT
ejif-6202	126	1	individual	individual	ADJ
ejif-6202	126	2	classifiers	classifier	NOUN
ejif-6202	126	3	conventionally	conventionally	ADV
ejif-6202	126	4	incorporate	incorporate	VERB
ejif-6202	126	5	logistic	logistic	ADJ
ejif-6202	126	6	regression	regression	NOUN
ejif-6202	126	7	,	,	PUNCT
ejif-6202	126	8	support	support	VERB
ejif-6202	126	9	vector	vector	NOUN
ejif-6202	126	10	machines	machine	NOUN
ejif-6202	126	11	,	,	PUNCT
ejif-6202	126	12	neural	neural	ADJ
ejif-6202	126	13	networks	network	NOUN
ejif-6202	126	14	and	and	CCONJ
ejif-6202	126	15	decision	decision	NOUN
ejif-6202	126	16	trees	tree	NOUN
ejif-6202	126	17	.	.	PUNCT
ejif-6202	127	1	finally	finally	ADV
ejif-6202	127	2	,	,	PUNCT
ejif-6202	127	3	homogeneous	homogeneous	ADJ
ejif-6202	127	4	classifiers	classifier	NOUN
ejif-6202	127	5	combine	combine	VERB
ejif-6202	127	6	the	the	DET
ejif-6202	127	7	predictions	prediction	NOUN
ejif-6202	127	8	from	from	ADP
ejif-6202	127	9	multiple	multiple	ADJ
ejif-6202	127	10	similar	similar	ADJ
ejif-6202	127	11	models	model	NOUN
ejif-6202	127	12	and	and	CCONJ
ejif-6202	127	13	achieve	achieve	VERB
ejif-6202	127	14	diversity	diversity	NOUN
ejif-6202	127	15	through	through	ADP
ejif-6202	127	16	sampling	sample	VERB
ejif-6202	127	17	.	.	PUNCT
ejif-6202	128	1	such	such	ADJ
ejif-6202	128	2	models	model	NOUN
ejif-6202	128	3	are	be	AUX
ejif-6202	128	4	called	call	VERB
ejif-6202	128	5	bagging	bagging	NOUN
ejif-6202	128	6	,	,	PUNCT
ejif-6202	128	7	random	random	ADJ
ejif-6202	128	8	forest	forest	NOUN
ejif-6202	128	9	and	and	CCONJ
ejif-6202	128	10	boosting	boosting	NOUN
ejif-6202	128	11	.	.	PUNCT
ejif-6202	129	1	researchers	researcher	NOUN
ejif-6202	129	2	can	can	AUX
ejif-6202	129	3	also	also	ADV
ejif-6202	129	4	use	use	VERB
ejif-6202	129	5	these	these	DET
ejif-6202	129	6	algorithms	algorithm	NOUN
ejif-6202	129	7	similarly	similarly	ADV
ejif-6202	129	8	for	for	ADP
ejif-6202	129	9	regression	regression	NOUN
ejif-6202	129	10	purposes	purpose	NOUN
ejif-6202	129	11	.	.	PUNCT
ejif-6202	130	1	they	they	PRON
ejif-6202	130	2	also	also	ADV
ejif-6202	130	3	exploit	exploit	VERB
ejif-6202	130	4	hyperparameter	hyperparameter	NOUN
ejif-6202	130	5	optimization	optimization	NOUN
ejif-6202	130	6	to	to	PART
ejif-6202	130	7	optimize	optimize	VERB
ejif-6202	130	8	model	model	NOUN
ejif-6202	130	9	performance	performance	NOUN
ejif-6202	130	10	[	[	X
ejif-6202	130	11	15	15	NUM
ejif-6202	130	12	]	]	PUNCT
ejif-6202	130	13	.	.	PUNCT
ejif-6202	131	1	in	in	ADP
ejif-6202	131	2	the	the	DET
ejif-6202	131	3	third	third	ADJ
ejif-6202	131	4	step	step	NOUN
ejif-6202	131	5	,	,	PUNCT
ejif-6202	131	6	data	datum	NOUN
ejif-6202	131	7	scientists	scientist	NOUN
ejif-6202	131	8	,	,	PUNCT
ejif-6202	131	9	when	when	SCONJ
ejif-6202	131	10	faced	face	VERB
ejif-6202	131	11	with	with	ADP
ejif-6202	131	12	a	a	DET
ejif-6202	131	13	large	large	ADJ
ejif-6202	131	14	number	number	NOUN
ejif-6202	131	15	of	of	ADP
ejif-6202	131	16	parameters	parameter	NOUN
ejif-6202	131	17	,	,	PUNCT
ejif-6202	131	18	follow	follow	VERB
ejif-6202	131	19	a	a	DET
ejif-6202	131	20	nonlinear	nonlinear	ADJ
ejif-6202	131	21	optimization	optimization	NOUN
ejif-6202	131	22	approach	approach	NOUN
ejif-6202	131	23	to	to	PART
ejif-6202	131	24	achieve	achieve	VERB
ejif-6202	131	25	adequate	adequate	ADJ
ejif-6202	131	26	optimization	optimization	NOUN
ejif-6202	131	27	results	result	NOUN
ejif-6202	131	28	.	.	PUNCT
ejif-6202	132	1	they	they	PRON
ejif-6202	132	2	determine	determine	VERB
ejif-6202	132	3	a	a	DET
ejif-6202	132	4	globally	globally	ADV
ejif-6202	132	5	optimal	optimal	ADJ
ejif-6202	132	6	set	set	NOUN
ejif-6202	132	7	of	of	ADP
ejif-6202	132	8	hyperparameters	hyperparameter	NOUN
ejif-6202	132	9	via	via	ADP
ejif-6202	132	10	genetic	genetic	ADJ
ejif-6202	132	11	optimization	optimization	NOUN
ejif-6202	132	12	.	.	PUNCT
ejif-6202	133	1	the	the	DET
ejif-6202	133	2	optimization	optimization	NOUN
ejif-6202	133	3	relies	rely	VERB
ejif-6202	133	4	on	on	ADP
ejif-6202	133	5	the	the	DET
ejif-6202	133	6	principles	principle	NOUN
ejif-6202	133	7	of	of	ADP
ejif-6202	133	8	natural	natural	ADJ
ejif-6202	133	9	selection	selection	NOUN
ejif-6202	133	10	to	to	PART
ejif-6202	133	11	find	find	VERB
ejif-6202	133	12	a	a	DET
ejif-6202	133	13	globally	globally	ADV
ejif-6202	133	14	optimal	optimal	ADJ
ejif-6202	133	15	solution	solution	NOUN
ejif-6202	133	16	.	.	PUNCT
ejif-6202	134	1	a	a	DET
ejif-6202	134	2	critical	critical	ADJ
ejif-6202	134	3	aspect	aspect	NOUN
ejif-6202	134	4	of	of	ADP
ejif-6202	134	5	european	european	PROPN
ejif-6202	134	6	journal	journal	PROPN
ejif-6202	134	7	of	of	ADP
ejif-6202	134	8	islamic	islamic	PROPN
ejif-6202	134	9	finance	finance	PROPN
ejif-6202	134	10	issn	issn	PROPN
ejif-6202	134	11	:	:	PUNCT
ejif-6202	134	12	2421	2421	NUM
ejif-6202	134	13	-	-	SYM
ejif-6202	134	14	2172	2172	NUM
ejif-6202	134	15	doi	doi	NOUN
ejif-6202	134	16	:	:	PUNCT
ejif-6202	134	17	10.13135/2421	10.13135/2421	NUM
ejif-6202	134	18	-	-	PUNCT
ejif-6202	134	19	2172/6202published	2172/6202publishe	VERB
ejif-6202	134	20	by	by	ADP
ejif-6202	134	21	the	the	DET
ejif-6202	134	22	university	university	PROPN
ejif-6202	134	23	of	of	ADP
ejif-6202	134	24	turin	turin	PROPN
ejif-6202	135	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	135	2	ejif	ejif	PROPN
ejif-6202	135	3	content	content	NOUN
ejif-6202	135	4	is	be	AUX
ejif-6202	135	5	licensed	license	VERB
ejif-6202	135	6	under	under	ADP
ejif-6202	135	7	a	a	DET
ejif-6202	135	8	creative	creative	ADJ
ejif-6202	135	9	commons	common	NOUN
ejif-6202	135	10	attribution	attribution	NOUN
ejif-6202	135	11	4.0	4.0	NUM
ejif-6202	135	12	international	international	ADJ
ejif-6202	135	13	license	license	NOUN
ejif-6202	135	14	received	receive	VERB
ejif-6202	135	15	:	:	PUNCT
ejif-6202	135	16	11/08/2021	11/08/2021	NUM
ejif-6202	135	17	accepted	accept	VERB
ejif-6202	135	18	for	for	ADP
ejif-6202	135	19	publication	publication	NOUN
ejif-6202	135	20	:	:	PUNCT
ejif-6202	135	21	20/07/2022	20/07/2022	NUM
ejif-6202	135	22	published	publish	VERB
ejif-6202	135	23	:	:	PUNCT
ejif-6202	135	24	29/07/2022	29/07/2022	NUM
ejif-6202	135	25	38	38	NUM
ejif-6202	135	26	genetic	genetic	ADJ
ejif-6202	135	27	programming	programming	NOUN
ejif-6202	135	28	is	be	AUX
ejif-6202	135	29	the	the	DET
ejif-6202	135	30	importance	importance	NOUN
ejif-6202	135	31	of	of	ADP
ejif-6202	135	32	the	the	DET
ejif-6202	135	33	initial	initial	ADJ
ejif-6202	135	34	solution	solution	NOUN
ejif-6202	135	35	and	and	CCONJ
ejif-6202	135	36	the	the	DET
ejif-6202	135	37	evolution	evolution	NOUN
ejif-6202	135	38	of	of	ADP
ejif-6202	135	39	the	the	DET
ejif-6202	135	40	population	population	NOUN
ejif-6202	135	41	to	to	PART
ejif-6202	135	42	find	find	VERB
ejif-6202	135	43	the	the	DET
ejif-6202	135	44	most	most	ADV
ejif-6202	135	45	optimal	optimal	ADJ
ejif-6202	135	46	solution	solution	NOUN
ejif-6202	135	47	.	.	PUNCT
ejif-6202	136	1	while	while	SCONJ
ejif-6202	136	2	the	the	DET
ejif-6202	136	3	framework	framework	NOUN
ejif-6202	136	4	's	's	PART
ejif-6202	136	5	performance	performance	NOUN
ejif-6202	136	6	depends	depend	VERB
ejif-6202	136	7	on	on	ADP
ejif-6202	136	8	the	the	DET
ejif-6202	136	9	measurement	measurement	NOUN
ejif-6202	136	10	criterion	criterion	NOUN
ejif-6202	136	11	used	use	VERB
ejif-6202	136	12	,	,	PUNCT
ejif-6202	136	13	a	a	DET
ejif-6202	136	14	considerable	considerable	ADJ
ejif-6202	136	15	improvement	improvement	NOUN
ejif-6202	136	16	may	may	AUX
ejif-6202	136	17	be	be	AUX
ejif-6202	136	18	achieved	achieve	VERB
ejif-6202	136	19	from	from	ADP
ejif-6202	136	20	intelligent	intelligent	ADJ
ejif-6202	136	21	optimization	optimization	NOUN
ejif-6202	136	22	[	[	X
ejif-6202	136	23	15	15	NUM
ejif-6202	136	24	]	]	PUNCT
ejif-6202	136	25	.	.	PUNCT
ejif-6202	137	1	after	after	ADP
ejif-6202	137	2	that	that	DET
ejif-6202	137	3	step	step	NOUN
ejif-6202	137	4	,	,	PUNCT
ejif-6202	137	5	they	they	PRON
ejif-6202	137	6	face	face	VERB
ejif-6202	137	7	the	the	DET
ejif-6202	137	8	challenge	challenge	NOUN
ejif-6202	137	9	of	of	ADP
ejif-6202	137	10	explainability	explainability	NOUN
ejif-6202	137	11	.	.	PUNCT
ejif-6202	138	1	transparency	transparency	NOUN
ejif-6202	138	2	about	about	ADP
ejif-6202	138	3	the	the	DET
ejif-6202	138	4	factors	factor	NOUN
ejif-6202	138	5	influencing	influence	VERB
ejif-6202	138	6	decision	decision	NOUN
ejif-6202	138	7	-	-	PUNCT
ejif-6202	138	8	making	making	NOUN
ejif-6202	138	9	is	be	AUX
ejif-6202	138	10	crucial	crucial	ADJ
ejif-6202	138	11	in	in	ADP
ejif-6202	138	12	islamic	islamic	ADJ
ejif-6202	138	13	finance	finance	NOUN
ejif-6202	138	14	,	,	PUNCT
ejif-6202	138	15	given	give	VERB
ejif-6202	138	16	that	that	DET
ejif-6202	138	17	risk	risk	NOUN
ejif-6202	138	18	sharing	sharing	NOUN
ejif-6202	138	19	is	be	AUX
ejif-6202	138	20	a	a	DET
ejif-6202	138	21	crucial	crucial	ADJ
ejif-6202	138	22	feature	feature	NOUN
ejif-6202	138	23	of	of	ADP
ejif-6202	138	24	islamic	islamic	ADJ
ejif-6202	138	25	finance	finance	NOUN
ejif-6202	138	26	instruments	instrument	NOUN
ejif-6202	138	27	.	.	PUNCT
ejif-6202	139	1	most	most	ADJ
ejif-6202	139	2	machine	machine	NOUN
ejif-6202	139	3	learning	learning	NOUN
ejif-6202	139	4	models	model	NOUN
ejif-6202	139	5	have	have	VERB
ejif-6202	139	6	an	an	DET
ejif-6202	139	7	inherent	inherent	ADJ
ejif-6202	139	8	but	but	CCONJ
ejif-6202	139	9	rudimentary	rudimentary	ADJ
ejif-6202	139	10	form	form	NOUN
ejif-6202	139	11	of	of	ADP
ejif-6202	139	12	explainability	explainability	NOUN
ejif-6202	139	13	.	.	PUNCT
ejif-6202	140	1	while	while	SCONJ
ejif-6202	140	2	this	this	PRON
ejif-6202	140	3	may	may	AUX
ejif-6202	140	4	not	not	PART
ejif-6202	140	5	be	be	AUX
ejif-6202	140	6	in	in	ADP
ejif-6202	140	7	the	the	DET
ejif-6202	140	8	form	form	NOUN
ejif-6202	140	9	of	of	ADP
ejif-6202	140	10	a	a	DET
ejif-6202	140	11	single	single	ADJ
ejif-6202	140	12	equation	equation	NOUN
ejif-6202	140	13	with	with	ADP
ejif-6202	140	14	a	a	DET
ejif-6202	140	15	few	few	ADJ
ejif-6202	140	16	parameters	parameter	NOUN
ejif-6202	140	17	,	,	PUNCT
ejif-6202	140	18	the	the	DET
ejif-6202	140	19	impact	impact	NOUN
ejif-6202	140	20	of	of	ADP
ejif-6202	140	21	the	the	DET
ejif-6202	140	22	various	various	ADJ
ejif-6202	140	23	input	input	NOUN
ejif-6202	140	24	data	datum	NOUN
ejif-6202	140	25	on	on	ADP
ejif-6202	140	26	the	the	DET
ejif-6202	140	27	model	model	NOUN
ejif-6202	140	28	may	may	AUX
ejif-6202	140	29	be	be	AUX
ejif-6202	140	30	conventionally	conventionally	ADV
ejif-6202	140	31	determined	determine	VERB
ejif-6202	140	32	by	by	ADP
ejif-6202	140	33	a	a	DET
ejif-6202	140	34	feature	feature	NOUN
ejif-6202	140	35	analysis	analysis	NOUN
ejif-6202	140	36	.	.	PUNCT
ejif-6202	141	1	treebased	treebased	ADJ
ejif-6202	141	2	models	model	NOUN
ejif-6202	141	3	enable	enable	VERB
ejif-6202	141	4	with	with	ADP
ejif-6202	141	5	relative	relative	ADJ
ejif-6202	141	6	ease	ease	NOUN
ejif-6202	141	7	to	to	PART
ejif-6202	141	8	measure	measure	VERB
ejif-6202	141	9	the	the	DET
ejif-6202	141	10	impact	impact	NOUN
ejif-6202	141	11	of	of	ADP
ejif-6202	141	12	each	each	DET
ejif-6202	141	13	model	model	NOUN
ejif-6202	141	14	feature	feature	NOUN
ejif-6202	141	15	and	and	CCONJ
ejif-6202	141	16	how	how	SCONJ
ejif-6202	141	17	these	these	DET
ejif-6202	141	18	features	feature	NOUN
ejif-6202	141	19	interact	interact	VERB
ejif-6202	141	20	with	with	ADP
ejif-6202	141	21	each	each	DET
ejif-6202	141	22	other	other	ADJ
ejif-6202	141	23	.	.	PUNCT
ejif-6202	142	1	quantified	quantify	VERB
ejif-6202	142	2	as	as	ADP
ejif-6202	142	3	feature	feature	NOUN
ejif-6202	142	4	importance	importance	NOUN
ejif-6202	142	5	,	,	PUNCT
ejif-6202	142	6	the	the	DET
ejif-6202	142	7	impact	impact	NOUN
ejif-6202	142	8	on	on	ADP
ejif-6202	142	9	the	the	DET
ejif-6202	142	10	model	model	NOUN
ejif-6202	142	11	evaluation	evaluation	NOUN
ejif-6202	142	12	metric	metric	NOUN
ejif-6202	142	13	is	be	AUX
ejif-6202	142	14	determined	determine	VERB
ejif-6202	142	15	via	via	ADP
ejif-6202	142	16	changing	change	VERB
ejif-6202	142	17	a	a	DET
ejif-6202	142	18	single	single	ADJ
ejif-6202	142	19	variable	variable	NOUN
ejif-6202	142	20	in	in	ADP
ejif-6202	142	21	the	the	DET
ejif-6202	142	22	tree	tree	NOUN
ejif-6202	142	23	.	.	PUNCT
ejif-6202	143	1	this	this	PRON
ejif-6202	143	2	subsequently	subsequently	ADV
ejif-6202	143	3	allows	allow	VERB
ejif-6202	143	4	the	the	DET
ejif-6202	143	5	determination	determination	NOUN
ejif-6202	143	6	of	of	ADP
ejif-6202	143	7	the	the	DET
ejif-6202	143	8	model	model	NOUN
ejif-6202	143	9	quality	quality	NOUN
ejif-6202	143	10	.	.	PUNCT
ejif-6202	144	1	to	to	PART
ejif-6202	144	2	test	test	VERB
ejif-6202	144	3	the	the	DET
ejif-6202	144	4	importance	importance	NOUN
ejif-6202	144	5	of	of	ADP
ejif-6202	144	6	a	a	DET
ejif-6202	144	7	variable	variable	NOUN
ejif-6202	144	8	,	,	PUNCT
ejif-6202	144	9	data	datum	NOUN
ejif-6202	144	10	scientists	scientist	NOUN
ejif-6202	144	11	perform	perform	VERB
ejif-6202	144	12	a	a	DET
ejif-6202	144	13	sensitivity	sensitivity	NOUN
ejif-6202	144	14	analysis	analysis	NOUN
ejif-6202	144	15	on	on	ADP
ejif-6202	144	16	the	the	DET
ejif-6202	144	17	quality	quality	NOUN
ejif-6202	144	18	of	of	ADP
ejif-6202	144	19	the	the	DET
ejif-6202	144	20	model	model	NOUN
ejif-6202	144	21	.	.	PUNCT
ejif-6202	145	1	the	the	DET
ejif-6202	145	2	most	most	ADV
ejif-6202	145	3	relevant	relevant	ADJ
ejif-6202	145	4	variables	variable	NOUN
ejif-6202	145	5	generate	generate	VERB
ejif-6202	145	6	the	the	DET
ejif-6202	145	7	most	most	ADV
ejif-6202	145	8	important	important	ADJ
ejif-6202	145	9	changes	change	NOUN
ejif-6202	145	10	in	in	ADP
ejif-6202	145	11	quality	quality	NOUN
ejif-6202	145	12	.	.	PUNCT
ejif-6202	146	1	therefore	therefore	ADV
ejif-6202	146	2	,	,	PUNCT
ejif-6202	146	3	they	they	PRON
ejif-6202	146	4	can	can	AUX
ejif-6202	146	5	address	address	VERB
ejif-6202	146	6	from	from	ADP
ejif-6202	146	7	these	these	DET
ejif-6202	146	8	most	most	ADV
ejif-6202	146	9	influential	influential	ADJ
ejif-6202	146	10	variables	variable	NOUN
ejif-6202	146	11	the	the	DET
ejif-6202	146	12	explainability	explainability	NOUN
ejif-6202	146	13	challenge	challenge	NOUN
ejif-6202	146	14	[	[	X
ejif-6202	146	15	9	9	NUM
ejif-6202	146	16	]	]	PUNCT
ejif-6202	146	17	and	and	CCONJ
ejif-6202	146	18	provide	provide	VERB
ejif-6202	146	19	in	in	ADP
ejif-6202	146	20	layman	layman	PROPN
ejif-6202	146	21	’s	’s	PART
ejif-6202	146	22	terms	term	NOUN
ejif-6202	146	23	a	a	DET
ejif-6202	146	24	simplified	simplified	ADJ
ejif-6202	146	25	causal	causal	ADJ
ejif-6202	146	26	explanation	explanation	NOUN
ejif-6202	146	27	to	to	PART
ejif-6202	146	28	loan	loan	NOUN
ejif-6202	146	29	applicants	applicant	NOUN
ejif-6202	146	30	.	.	PUNCT
ejif-6202	147	1	a	a	DET
ejif-6202	147	2	final	final	ADJ
ejif-6202	147	3	consideration	consideration	NOUN
ejif-6202	147	4	generally	generally	ADV
ejif-6202	147	5	absent	absent	ADJ
ejif-6202	147	6	from	from	ADP
ejif-6202	147	7	the	the	DET
ejif-6202	147	8	classic	classic	ADJ
ejif-6202	147	9	risk	risk	NOUN
ejif-6202	147	10	management	management	NOUN
ejif-6202	147	11	model	model	NOUN
ejif-6202	147	12	for	for	ADP
ejif-6202	147	13	financial	financial	ADJ
ejif-6202	147	14	institutions	institution	NOUN
ejif-6202	147	15	flows	flow	VERB
ejif-6202	147	16	from	from	ADP
ejif-6202	147	17	a	a	DET
ejif-6202	147	18	compulsory	compulsory	ADJ
ejif-6202	147	19	environmental	environmental	NOUN
ejif-6202	147	20	,	,	PUNCT
ejif-6202	147	21	social	social	ADJ
ejif-6202	147	22	and	and	CCONJ
ejif-6202	147	23	governance	governance	NOUN
ejif-6202	147	24	(	(	PUNCT
ejif-6202	147	25	esg	esg	NOUN
ejif-6202	147	26	)	)	PUNCT
ejif-6202	147	27	assessment	assessment	NOUN
ejif-6202	147	28	.	.	PUNCT
ejif-6202	148	1	certain	certain	ADJ
ejif-6202	148	2	elements	element	NOUN
ejif-6202	148	3	of	of	ADP
ejif-6202	148	4	the	the	DET
ejif-6202	148	5	esg	esg	NOUN
ejif-6202	148	6	schema	schema	NOUN
ejif-6202	148	7	have	have	AUX
ejif-6202	148	8	been	be	AUX
ejif-6202	148	9	included	include	VERB
ejif-6202	148	10	ab	ab	PROPN
ejif-6202	148	11	initio	initio	NOUN
ejif-6202	148	12	in	in	ADP
ejif-6202	148	13	the	the	DET
ejif-6202	148	14	islamic	islamic	PROPN
ejif-6202	148	15	finance	finance	PROPN
ejif-6202	148	16	conceptual	conceptual	ADJ
ejif-6202	148	17	framework	framework	NOUN
ejif-6202	148	18	.	.	PUNCT
ejif-6202	149	1	for	for	ADP
ejif-6202	149	2	example	example	NOUN
ejif-6202	149	3	,	,	PUNCT
ejif-6202	149	4	environmental	environmental	ADJ
ejif-6202	149	5	sustainability	sustainability	NOUN
ejif-6202	149	6	is	be	AUX
ejif-6202	149	7	a	a	DET
ejif-6202	149	8	crucial	crucial	ADJ
ejif-6202	149	9	component	component	NOUN
ejif-6202	149	10	of	of	ADP
ejif-6202	149	11	islamic	islamic	ADJ
ejif-6202	149	12	finance	finance	NOUN
ejif-6202	149	13	as	as	SCONJ
ejif-6202	149	14	shariah	shariah	PROPN
ejif-6202	149	15	law	law	NOUN
ejif-6202	149	16	stipulates	stipulate	VERB
ejif-6202	149	17	that	that	SCONJ
ejif-6202	149	18	financing	financing	NOUN
ejif-6202	149	19	projects	project	NOUN
ejif-6202	149	20	detrimental	detrimental	ADJ
ejif-6202	149	21	to	to	ADP
ejif-6202	149	22	the	the	DET
ejif-6202	149	23	environment	environment	NOUN
ejif-6202	149	24	are	be	AUX
ejif-6202	149	25	forbidden	forbid	VERB
ejif-6202	149	26	[	[	X
ejif-6202	149	27	7	7	NUM
ejif-6202	149	28	]	]	PUNCT
ejif-6202	149	29	.	.	PUNCT
ejif-6202	150	1	islamic	islamic	PROPN
ejif-6202	150	2	finance	finance	PROPN
ejif-6202	150	3	forbids	forbid	VERB
ejif-6202	150	4	other	other	ADJ
ejif-6202	150	5	sectors	sector	NOUN
ejif-6202	150	6	detrimental	detrimental	ADJ
ejif-6202	150	7	to	to	ADP
ejif-6202	150	8	a	a	DET
ejif-6202	150	9	safe	safe	ADJ
ejif-6202	150	10	environment	environment	NOUN
ejif-6202	150	11	for	for	ADP
ejif-6202	150	12	humankind	humankind	NOUN
ejif-6202	150	13	like	like	ADP
ejif-6202	150	14	pornography	pornography	NOUN
ejif-6202	150	15	,	,	PUNCT
ejif-6202	150	16	gambling	gambling	NOUN
ejif-6202	150	17	,	,	PUNCT
ejif-6202	150	18	or	or	CCONJ
ejif-6202	150	19	the	the	DET
ejif-6202	150	20	military	military	ADJ
ejif-6202	150	21	industry	industry	NOUN
ejif-6202	150	22	.	.	PUNCT
ejif-6202	151	1	in	in	ADP
ejif-6202	151	2	terms	term	NOUN
ejif-6202	151	3	of	of	ADP
ejif-6202	151	4	governance	governance	NOUN
ejif-6202	151	5	,	,	PUNCT
ejif-6202	151	6	equality	equality	NOUN
ejif-6202	151	7	between	between	ADP
ejif-6202	151	8	the	the	DET
ejif-6202	151	9	financial	financial	ADJ
ejif-6202	151	10	partners	partner	NOUN
ejif-6202	151	11	is	be	AUX
ejif-6202	151	12	another	another	DET
ejif-6202	151	13	component	component	NOUN
ejif-6202	151	14	of	of	ADP
ejif-6202	151	15	islamic	islamic	ADJ
ejif-6202	151	16	finance	finance	NOUN
ejif-6202	151	17	.	.	PUNCT
ejif-6202	152	1	given	give	VERB
ejif-6202	152	2	these	these	DET
ejif-6202	152	3	esg	esg	NOUN
ejif-6202	152	4	concerns	concern	NOUN
ejif-6202	152	5	,	,	PUNCT
ejif-6202	152	6	ai	ai	VERB
ejif-6202	152	7	is	be	AUX
ejif-6202	152	8	particularly	particularly	ADV
ejif-6202	152	9	well	well	ADV
ejif-6202	152	10	-	-	PUNCT
ejif-6202	152	11	suited	suit	VERB
ejif-6202	152	12	to	to	ADP
ejif-6202	152	13	comprehensive	comprehensive	ADJ
ejif-6202	152	14	risk	risk	NOUN
ejif-6202	152	15	modeling	modeling	NOUN
ejif-6202	152	16	that	that	PRON
ejif-6202	152	17	promotes	promote	VERB
ejif-6202	152	18	an	an	DET
ejif-6202	152	19	inclusive	inclusive	ADJ
ejif-6202	152	20	approach	approach	NOUN
ejif-6202	152	21	by	by	ADP
ejif-6202	152	22	combining	combine	VERB
ejif-6202	152	23	numerical	numerical	ADJ
ejif-6202	152	24	with	with	ADP
ejif-6202	152	25	non	non	ADJ
ejif-6202	152	26	-	-	ADJ
ejif-6202	152	27	numerical	numerical	ADJ
ejif-6202	152	28	data	datum	NOUN
ejif-6202	152	29	.	.	PUNCT
ejif-6202	153	1	while	while	SCONJ
ejif-6202	153	2	the	the	DET
ejif-6202	153	3	conventional	conventional	ADJ
ejif-6202	153	4	models	model	NOUN
ejif-6202	153	5	focus	focus	VERB
ejif-6202	153	6	on	on	ADP
ejif-6202	153	7	the	the	DET
ejif-6202	153	8	financial	financial	ADJ
ejif-6202	153	9	profitability	profitability	NOUN
ejif-6202	153	10	of	of	ADP
ejif-6202	153	11	the	the	DET
ejif-6202	153	12	loan	loan	NOUN
ejif-6202	153	13	,	,	PUNCT
ejif-6202	153	14	islamic	islamic	ADJ
ejif-6202	153	15	microfinance	microfinance	NOUN
ejif-6202	153	16	must	must	AUX
ejif-6202	153	17	incorporate	incorporate	VERB
ejif-6202	153	18	other	other	ADJ
ejif-6202	153	19	ethical	ethical	ADJ
ejif-6202	153	20	considerations	consideration	NOUN
ejif-6202	153	21	that	that	PRON
ejif-6202	153	22	are	be	AUX
ejif-6202	153	23	often	often	ADV
ejif-6202	153	24	more	more	ADV
ejif-6202	153	25	difficult	difficult	ADJ
ejif-6202	153	26	to	to	PART
ejif-6202	153	27	measure	measure	VERB
ejif-6202	153	28	in	in	ADP
ejif-6202	153	29	a	a	DET
ejif-6202	153	30	purely	purely	ADV
ejif-6202	153	31	numerical	numerical	ADJ
ejif-6202	153	32	way	way	NOUN
ejif-6202	153	33	.	.	PUNCT
ejif-6202	154	1	c.	c.	PROPN
ejif-6202	154	2	islamic	islamic	PROPN
ejif-6202	154	3	microfinance	microfinance	PROPN
ejif-6202	154	4	ai	ai	VERB
ejif-6202	154	5	risk	risk	NOUN
ejif-6202	154	6	model	model	NOUN
ejif-6202	154	7	we	we	PRON
ejif-6202	154	8	have	have	AUX
ejif-6202	154	9	developed	develop	VERB
ejif-6202	154	10	a	a	DET
ejif-6202	154	11	novel	novel	NOUN
ejif-6202	154	12	ai	ai	VERB
ejif-6202	154	13	islamic	islamic	ADJ
ejif-6202	154	14	risk	risk	NOUN
ejif-6202	154	15	management	management	NOUN
ejif-6202	154	16	framework	framework	NOUN
ejif-6202	154	17	for	for	ADP
ejif-6202	154	18	assessing	assess	VERB
ejif-6202	154	19	credit	credit	NOUN
ejif-6202	154	20	risk	risk	NOUN
ejif-6202	154	21	for	for	ADP
ejif-6202	154	22	islamic	islamic	ADJ
ejif-6202	154	23	microfinancing	microfinancing	NOUN
ejif-6202	154	24	institutions	institution	NOUN
ejif-6202	154	25	.	.	PUNCT
ejif-6202	155	1	the	the	DET
ejif-6202	155	2	framework	framework	NOUN
ejif-6202	155	3	determines	determine	VERB
ejif-6202	155	4	both	both	PRON
ejif-6202	155	5	individual	individual	ADJ
ejif-6202	155	6	and	and	CCONJ
ejif-6202	155	7	overall	overall	ADJ
ejif-6202	155	8	credit	credit	NOUN
ejif-6202	155	9	risk	risk	NOUN
ejif-6202	155	10	for	for	ADP
ejif-6202	155	11	the	the	DET
ejif-6202	155	12	islamic	islamic	ADJ
ejif-6202	155	13	microfinancing	microfinancing	NOUN
ejif-6202	155	14	market	market	NOUN
ejif-6202	155	15	.	.	PUNCT
ejif-6202	156	1	furthermore	furthermore	ADV
ejif-6202	156	2	,	,	PUNCT
ejif-6202	156	3	the	the	DET
ejif-6202	156	4	framework	framework	NOUN
ejif-6202	156	5	incorporates	incorporate	VERB
ejif-6202	156	6	a	a	DET
ejif-6202	156	7	recommendation	recommendation	NOUN
ejif-6202	156	8	engine	engine	NOUN
ejif-6202	156	9	that	that	PRON
ejif-6202	156	10	enables	enable	VERB
ejif-6202	156	11	individuals	individual	NOUN
ejif-6202	156	12	without	without	ADP
ejif-6202	156	13	formal	formal	ADJ
ejif-6202	156	14	financial	financial	ADJ
ejif-6202	156	15	qualifications	qualification	NOUN
ejif-6202	156	16	to	to	PART
ejif-6202	156	17	review	review	VERB
ejif-6202	156	18	islamic	islamic	ADJ
ejif-6202	156	19	microloans	microloan	NOUN
ejif-6202	156	20	.	.	PUNCT
ejif-6202	157	1	it	it	PRON
ejif-6202	157	2	also	also	ADV
ejif-6202	157	3	contains	contain	VERB
ejif-6202	157	4	the	the	DET
ejif-6202	157	5	value	value	NOUN
ejif-6202	157	6	risk	risk	NOUN
ejif-6202	157	7	of	of	ADP
ejif-6202	157	8	the	the	DET
ejif-6202	157	9	underlying	underlie	VERB
ejif-6202	157	10	asset	asset	NOUN
ejif-6202	157	11	[	[	X
ejif-6202	157	12	7	7	NUM
ejif-6202	157	13	]	]	PUNCT
ejif-6202	157	14	.	.	PUNCT
ejif-6202	158	1	to	to	PART
ejif-6202	158	2	develop	develop	VERB
ejif-6202	158	3	the	the	DET
ejif-6202	158	4	framework	framework	NOUN
ejif-6202	158	5	,	,	PUNCT
ejif-6202	158	6	we	we	PRON
ejif-6202	158	7	have	have	AUX
ejif-6202	158	8	utilized	utilize	VERB
ejif-6202	158	9	a	a	DET
ejif-6202	158	10	random	random	ADJ
ejif-6202	158	11	forest	forest	NOUN
ejif-6202	158	12	approach	approach	NOUN
ejif-6202	158	13	.	.	PUNCT
ejif-6202	159	1	random	random	ADJ
ejif-6202	159	2	forest	forest	NOUN
ejif-6202	159	3	methods	method	NOUN
ejif-6202	159	4	belong	belong	VERB
ejif-6202	159	5	to	to	ADP
ejif-6202	159	6	the	the	DET
ejif-6202	159	7	class	class	NOUN
ejif-6202	159	8	of	of	ADP
ejif-6202	159	9	ensemble	ensemble	ADJ
ejif-6202	159	10	learning	learning	NOUN
ejif-6202	159	11	techniques	technique	NOUN
ejif-6202	159	12	[	[	X
ejif-6202	159	13	16	16	NUM
ejif-6202	159	14	]	]	PUNCT
ejif-6202	159	15	.	.	PUNCT
ejif-6202	160	1	in	in	ADP
ejif-6202	160	2	these	these	DET
ejif-6202	160	3	techniques	technique	NOUN
ejif-6202	160	4	,	,	PUNCT
ejif-6202	160	5	the	the	DET
ejif-6202	160	6	random	random	ADJ
ejif-6202	160	7	forest	forest	NOUN
ejif-6202	160	8	consists	consist	VERB
ejif-6202	160	9	of	of	ADP
ejif-6202	160	10	multiple	multiple	ADJ
ejif-6202	160	11	decision	decision	NOUN
ejif-6202	160	12	trees	tree	NOUN
ejif-6202	160	13	where	where	SCONJ
ejif-6202	160	14	the	the	DET
ejif-6202	160	15	trees	tree	NOUN
ejif-6202	160	16	are	be	AUX
ejif-6202	160	17	trained	train	VERB
ejif-6202	160	18	by	by	ADP
ejif-6202	160	19	either	either	PRON
ejif-6202	160	20	bagging	bagging	NOUN
ejif-6202	160	21	or	or	CCONJ
ejif-6202	160	22	bootstrapping	bootstrappe	VERB
ejif-6202	160	23	.	.	PUNCT
ejif-6202	161	1	bagging	bagging	NOUN
ejif-6202	161	2	is	be	AUX
ejif-6202	161	3	an	an	DET
ejif-6202	161	4	advantageous	advantageous	ADJ
ejif-6202	161	5	ensemble	ensemble	ADJ
ejif-6202	161	6	technique	technique	NOUN
ejif-6202	161	7	for	for	ADP
ejif-6202	161	8	enhancing	enhance	VERB
ejif-6202	161	9	accuracy	accuracy	NOUN
ejif-6202	161	10	.	.	PUNCT
ejif-6202	162	1	individual	individual	ADJ
ejif-6202	162	2	decision	decision	NOUN
ejif-6202	162	3	trees	tree	NOUN
ejif-6202	162	4	are	be	AUX
ejif-6202	162	5	combined	combine	VERB
ejif-6202	162	6	into	into	ADP
ejif-6202	162	7	different	different	ADJ
ejif-6202	162	8	bags	bag	NOUN
ejif-6202	162	9	.	.	PUNCT
ejif-6202	163	1	from	from	ADP
ejif-6202	163	2	these	these	DET
ejif-6202	163	3	bags	bag	NOUN
ejif-6202	163	4	,	,	PUNCT
ejif-6202	163	5	we	we	PRON
ejif-6202	163	6	select	select	VERB
ejif-6202	163	7	the	the	DET
ejif-6202	163	8	bag	bag	NOUN
ejif-6202	163	9	with	with	ADP
ejif-6202	163	10	the	the	DET
ejif-6202	163	11	highest	high	ADJ
ejif-6202	163	12	accuracy	accuracy	NOUN
ejif-6202	163	13	to	to	PART
ejif-6202	163	14	be	be	AUX
ejif-6202	163	15	further	far	ADV
ejif-6202	163	16	branched	branch	VERB
ejif-6202	163	17	out	out	ADP
ejif-6202	163	18	.	.	PUNCT
ejif-6202	164	1	then	then	ADV
ejif-6202	164	2	,	,	PUNCT
ejif-6202	164	3	increasing	increase	VERB
ejif-6202	164	4	the	the	DET
ejif-6202	164	5	number	number	NOUN
ejif-6202	164	6	of	of	ADP
ejif-6202	164	7	trees	tree	NOUN
ejif-6202	164	8	that	that	PRON
ejif-6202	164	9	are	be	AUX
ejif-6202	164	10	incorporated	incorporate	VERB
ejif-6202	164	11	leads	lead	NOUN
ejif-6202	164	12	to	to	ADP
ejif-6202	164	13	an	an	DET
ejif-6202	164	14	increase	increase	NOUN
ejif-6202	164	15	in	in	ADP
ejif-6202	164	16	the	the	DET
ejif-6202	164	17	precision	precision	NOUN
ejif-6202	164	18	of	of	ADP
ejif-6202	164	19	the	the	DET
ejif-6202	164	20	estimates	estimate	NOUN
ejif-6202	164	21	or	or	CCONJ
ejif-6202	164	22	classification	classification	NOUN
ejif-6202	164	23	.	.	PUNCT
ejif-6202	165	1	a	a	DET
ejif-6202	165	2	critical	critical	ADJ
ejif-6202	165	3	benefit	benefit	NOUN
ejif-6202	165	4	of	of	ADP
ejif-6202	165	5	random	random	ADJ
ejif-6202	165	6	forest	forest	NOUN
ejif-6202	165	7	trees	tree	NOUN
ejif-6202	165	8	is	be	AUX
ejif-6202	165	9	the	the	DET
ejif-6202	165	10	reduction	reduction	NOUN
ejif-6202	165	11	of	of	ADP
ejif-6202	165	12	the	the	DET
ejif-6202	165	13	limitations	limitation	NOUN
ejif-6202	165	14	of	of	ADP
ejif-6202	165	15	the	the	DET
ejif-6202	165	16	decision	decision	NOUN
ejif-6202	165	17	trees	tree	NOUN
ejif-6202	165	18	,	,	PUNCT
ejif-6202	165	19	specifically	specifically	ADV
ejif-6202	165	20	when	when	SCONJ
ejif-6202	165	21	it	it	PRON
ejif-6202	165	22	comes	come	VERB
ejif-6202	165	23	to	to	ADP
ejif-6202	165	24	overfitting	overfitte	VERB
ejif-6202	165	25	[	[	X
ejif-6202	165	26	17	17	NUM
ejif-6202	165	27	]	]	PUNCT
ejif-6202	165	28	.	.	PUNCT
ejif-6202	166	1	our	our	PRON
ejif-6202	166	2	framework	framework	NOUN
ejif-6202	166	3	benefits	benefit	NOUN
ejif-6202	166	4	from	from	ADP
ejif-6202	166	5	the	the	DET
ejif-6202	166	6	effective	effective	ADJ
ejif-6202	166	7	way	way	NOUN
ejif-6202	166	8	that	that	PRON
ejif-6202	166	9	random	random	ADJ
ejif-6202	166	10	forest	forest	NOUN
ejif-6202	166	11	algorithms	algorithm	NOUN
ejif-6202	166	12	handle	handle	VERB
ejif-6202	166	13	missing	miss	VERB
ejif-6202	166	14	data	datum	NOUN
ejif-6202	166	15	.	.	PUNCT
ejif-6202	167	1	in	in	ADP
ejif-6202	167	2	addition	addition	NOUN
ejif-6202	167	3	,	,	PUNCT
ejif-6202	167	4	they	they	PRON
ejif-6202	167	5	do	do	AUX
ejif-6202	167	6	not	not	PART
ejif-6202	167	7	need	need	VERB
ejif-6202	167	8	excessive	excessive	ADJ
ejif-6202	167	9	hyperparameter	hyperparameter	NOUN
ejif-6202	167	10	tuning	tune	VERB
ejif-6202	167	11	to	to	PART
ejif-6202	167	12	achieve	achieve	VERB
ejif-6202	167	13	reasonable	reasonable	ADJ
ejif-6202	167	14	predictions	prediction	NOUN
ejif-6202	167	15	.	.	PUNCT
ejif-6202	168	1	we	we	PRON
ejif-6202	168	2	illustrate	illustrate	VERB
ejif-6202	168	3	in	in	ADP
ejif-6202	168	4	figure	figure	NOUN
ejif-6202	168	5	1	1	NUM
ejif-6202	168	6	the	the	DET
ejif-6202	168	7	various	various	ADJ
ejif-6202	168	8	types	type	NOUN
ejif-6202	168	9	of	of	ADP
ejif-6202	168	10	nodes	node	NOUN
ejif-6202	168	11	are	be	AUX
ejif-6202	168	12	encountered	encounter	VERB
ejif-6202	168	13	in	in	ADP
ejif-6202	168	14	a	a	DET
ejif-6202	168	15	random	random	ADJ
ejif-6202	168	16	forest	forest	NOUN
ejif-6202	168	17	algorithm	algorithm	NOUN
ejif-6202	169	1	[	[	X
ejif-6202	169	2	17	17	NUM
ejif-6202	169	3	]	]	PUNCT
ejif-6202	169	4	.	.	PUNCT
ejif-6202	170	1	we	we	PRON
ejif-6202	170	2	start	start	VERB
ejif-6202	170	3	with	with	ADP
ejif-6202	170	4	the	the	DET
ejif-6202	170	5	root	root	NOUN
ejif-6202	170	6	node	node	NOUN
ejif-6202	170	7	,	,	PUNCT
ejif-6202	170	8	followed	follow	VERB
ejif-6202	170	9	by	by	ADP
ejif-6202	170	10	the	the	DET
ejif-6202	170	11	decision	decision	NOUN
ejif-6202	170	12	nodes	node	NOUN
ejif-6202	170	13	and	and	CCONJ
ejif-6202	170	14	then	then	ADV
ejif-6202	170	15	the	the	DET
ejif-6202	170	16	leaf	leaf	NOUN
ejif-6202	170	17	nodes	nod	VERB
ejif-6202	170	18	.	.	PUNCT
ejif-6202	171	1	each	each	DET
ejif-6202	171	2	decision	decision	NOUN
ejif-6202	171	3	node	node	NOUN
ejif-6202	171	4	may	may	AUX
ejif-6202	171	5	have	have	VERB
ejif-6202	171	6	multiple	multiple	ADJ
ejif-6202	171	7	leaves	leave	NOUN
ejif-6202	171	8	or	or	CCONJ
ejif-6202	171	9	decision	decision	NOUN
ejif-6202	171	10	nodes	node	NOUN
ejif-6202	171	11	.	.	PUNCT
ejif-6202	172	1	a	a	DET
ejif-6202	172	2	decision	decision	NOUN
ejif-6202	172	3	node	node	NOUN
ejif-6202	172	4	with	with	ADP
ejif-6202	172	5	multiple	multiple	ADJ
ejif-6202	172	6	leaves	leave	NOUN
ejif-6202	172	7	represents	represent	VERB
ejif-6202	172	8	a	a	DET
ejif-6202	172	9	subtree	subtree	NOUN
ejif-6202	172	10	.	.	PUNCT
ejif-6202	173	1	information	information	NOUN
ejif-6202	173	2	theory	theory	NOUN
ejif-6202	173	3	provides	provide	VERB
ejif-6202	173	4	insights	insight	NOUN
ejif-6202	173	5	into	into	ADP
ejif-6202	173	6	the	the	DET
ejif-6202	173	7	way	way	NOUN
ejif-6202	173	8	decision	decision	NOUN
ejif-6202	173	9	trees	tree	NOUN
ejif-6202	173	10	and	and	CCONJ
ejif-6202	173	11	random	random	ADJ
ejif-6202	173	12	forests	forest	NOUN
ejif-6202	173	13	operate	operate	VERB
ejif-6202	173	14	.	.	PUNCT
ejif-6202	174	1	specifically	specifically	ADV
ejif-6202	174	2	,	,	PUNCT
ejif-6202	174	3	the	the	DET
ejif-6202	174	4	critical	critical	ADJ
ejif-6202	174	5	objective	objective	NOUN
ejif-6202	174	6	for	for	ADP
ejif-6202	174	7	a	a	DET
ejif-6202	174	8	decision	decision	NOUN
ejif-6202	174	9	tree	tree	NOUN
ejif-6202	174	10	is	be	AUX
ejif-6202	174	11	to	to	PART
ejif-6202	174	12	maximize	maximize	VERB
ejif-6202	174	13	its	its	PRON
ejif-6202	174	14	entropy	entropy	NOUN
ejif-6202	174	15	or	or	CCONJ
ejif-6202	174	16	information	information	NOUN
ejif-6202	174	17	gain	gain	NOUN
ejif-6202	174	18	,	,	PUNCT
ejif-6202	174	19	which	which	PRON
ejif-6202	174	20	is	be	AUX
ejif-6202	174	21	a	a	DET
ejif-6202	174	22	measure	measure	NOUN
ejif-6202	174	23	of	of	ADP
ejif-6202	174	24	uncertainty	uncertainty	NOUN
ejif-6202	174	25	[	[	X
ejif-6202	174	26	18	18	NUM
ejif-6202	174	27	]	]	PUNCT
ejif-6202	174	28	.	.	PUNCT
ejif-6202	175	1	given	give	VERB
ejif-6202	175	2	a	a	DET
ejif-6202	175	3	set	set	NOUN
ejif-6202	175	4	of	of	ADP
ejif-6202	175	5	independent	independent	ADJ
ejif-6202	175	6	variables	variable	NOUN
ejif-6202	175	7	,	,	PUNCT
ejif-6202	175	8	entropy	entropy	NOUN
ejif-6202	175	9	increases	increase	NOUN
ejif-6202	175	10	when	when	SCONJ
ejif-6202	175	11	the	the	DET
ejif-6202	175	12	uncertainty	uncertainty	NOUN
ejif-6202	175	13	is	be	AUX
ejif-6202	175	14	reduced	reduce	VERB
ejif-6202	175	15	.	.	PUNCT
ejif-6202	176	1	higher	high	ADJ
ejif-6202	176	2	entropy	entropy	PROPN
ejif-6202	176	3	means	mean	VERB
ejif-6202	176	4	that	that	SCONJ
ejif-6202	176	5	a	a	DET
ejif-6202	176	6	higher	high	ADJ
ejif-6202	176	7	degree	degree	NOUN
ejif-6202	176	8	of	of	ADP
ejif-6202	176	9	uncertainty	uncertainty	NOUN
ejif-6202	176	10	has	have	AUX
ejif-6202	176	11	been	be	AUX
ejif-6202	176	12	removed	remove	VERB
ejif-6202	176	13	during	during	ADP
ejif-6202	176	14	the	the	DET
ejif-6202	176	15	training	training	NOUN
ejif-6202	176	16	of	of	ADP
ejif-6202	176	17	the	the	DET
ejif-6202	176	18	decision	decision	NOUN
ejif-6202	176	19	trees	tree	NOUN
ejif-6202	176	20	.	.	PUNCT
ejif-6202	177	1	the	the	DET
ejif-6202	177	2	main	main	ADJ
ejif-6202	177	3	advantage	advantage	NOUN
ejif-6202	177	4	of	of	ADP
ejif-6202	177	5	the	the	DET
ejif-6202	177	6	random	random	ADJ
ejif-6202	177	7	forest	forest	NOUN
ejif-6202	177	8	method	method	NOUN
ejif-6202	177	9	is	be	AUX
ejif-6202	177	10	that	that	SCONJ
ejif-6202	177	11	the	the	DET
ejif-6202	177	12	segregation	segregation	NOUN
ejif-6202	177	13	of	of	ADP
ejif-6202	177	14	the	the	DET
ejif-6202	177	15	nodes	node	NOUN
ejif-6202	177	16	is	be	AUX
ejif-6202	177	17	performed	perform	VERB
ejif-6202	177	18	randomly	randomly	ADV
ejif-6202	177	19	through	through	ADP
ejif-6202	177	20	bagging	bagging	NOUN
ejif-6202	177	21	.	.	PUNCT
ejif-6202	178	1	this	this	DET
ejif-6202	178	2	process	process	NOUN
ejif-6202	178	3	allows	allow	VERB
ejif-6202	178	4	the	the	DET
ejif-6202	178	5	use	use	NOUN
ejif-6202	178	6	of	of	ADP
ejif-6202	178	7	different	different	ADJ
ejif-6202	178	8	samplings	sampling	NOUN
ejif-6202	178	9	for	for	ADP
ejif-6202	178	10	the	the	DET
ejif-6202	178	11	training	training	NOUN
ejif-6202	178	12	phase	phase	NOUN
ejif-6202	178	13	.	.	PUNCT
ejif-6202	179	1	figure	figure	NOUN
ejif-6202	179	2	1	1	NUM
ejif-6202	179	3	:	:	PUNCT
ejif-6202	179	4	graphical	graphical	ADJ
ejif-6202	179	5	illustration	illustration	NOUN
ejif-6202	179	6	of	of	ADP
ejif-6202	179	7	random	random	ADJ
ejif-6202	179	8	forest	forest	NOUN
ejif-6202	179	9	algorithm	algorithm	NOUN
ejif-6202	179	10	.	.	PUNCT
ejif-6202	180	1	our	our	PRON
ejif-6202	180	2	framework	framework	NOUN
ejif-6202	180	3	separates	separate	VERB
ejif-6202	180	4	the	the	DET
ejif-6202	180	5	risk	risk	NOUN
ejif-6202	180	6	management	management	NOUN
ejif-6202	180	7	model	model	NOUN
ejif-6202	180	8	into	into	ADP
ejif-6202	180	9	three	three	NUM
ejif-6202	180	10	sub	sub	NOUN
ejif-6202	180	11	-	-	NOUN
ejif-6202	180	12	models	model	NOUN
ejif-6202	180	13	:	:	PUNCT
ejif-6202	180	14	1	1	X
ejif-6202	180	15	)	)	PUNCT
ejif-6202	180	16	the	the	DET
ejif-6202	180	17	estimation	estimation	NOUN
ejif-6202	180	18	of	of	ADP
ejif-6202	180	19	the	the	DET
ejif-6202	180	20	individual	individual	ADJ
ejif-6202	180	21	credit	credit	NOUN
ejif-6202	180	22	risk	risk	NOUN
ejif-6202	180	23	,	,	PUNCT
ejif-6202	180	24	2	2	X
ejif-6202	180	25	)	)	PUNCT
ejif-6202	180	26	the	the	DET
ejif-6202	180	27	classification	classification	NOUN
ejif-6202	180	28	of	of	ADP
ejif-6202	180	29	risk	risk	NOUN
ejif-6202	180	30	and	and	CCONJ
ejif-6202	180	31	,	,	PUNCT
ejif-6202	180	32	3	3	X
ejif-6202	180	33	)	)	PUNCT
ejif-6202	180	34	the	the	DET
ejif-6202	180	35	maximum	maximum	ADJ
ejif-6202	180	36	acceptable	acceptable	ADJ
ejif-6202	180	37	loan	loan	NOUN
ejif-6202	180	38	amount	amount	NOUN
ejif-6202	180	39	.	.	PUNCT
ejif-6202	181	1	furthermore	furthermore	ADV
ejif-6202	181	2	,	,	PUNCT
ejif-6202	181	3	the	the	DET
ejif-6202	181	4	sub	sub	NOUN
ejif-6202	181	5	-	-	NOUN
ejif-6202	181	6	models	model	NOUN
ejif-6202	181	7	also	also	ADV
ejif-6202	181	8	estimate	estimate	VERB
ejif-6202	181	9	the	the	DET
ejif-6202	181	10	expected	expect	VERB
ejif-6202	181	11	value	value	NOUN
ejif-6202	181	12	at	at	ADP
ejif-6202	181	13	risk	risk	NOUN
ejif-6202	181	14	for	for	ADP
ejif-6202	181	15	the	the	DET
ejif-6202	181	16	entire	entire	ADJ
ejif-6202	181	17	islamic	islamic	ADJ
ejif-6202	181	18	microfinance	microfinance	NOUN
ejif-6202	181	19	institution	institution	NOUN
ejif-6202	181	20	.	.	PUNCT
ejif-6202	182	1	it	it	PRON
ejif-6202	182	2	also	also	ADV
ejif-6202	182	3	offers	offer	VERB
ejif-6202	182	4	alternative	alternative	ADJ
ejif-6202	182	5	recommendations	recommendation	NOUN
ejif-6202	182	6	for	for	ADP
ejif-6202	182	7	loan	loan	NOUN
ejif-6202	182	8	applicants	applicant	NOUN
ejif-6202	182	9	in	in	ADP
ejif-6202	182	10	case	case	NOUN
ejif-6202	182	11	they	they	PRON
ejif-6202	182	12	do	do	AUX
ejif-6202	182	13	not	not	PART
ejif-6202	182	14	qualify	qualify	VERB
ejif-6202	182	15	for	for	ADP
ejif-6202	182	16	a	a	DET
ejif-6202	182	17	conventional	conventional	ADJ
ejif-6202	182	18	microloan	microloan	NOUN
ejif-6202	182	19	.	.	PUNCT
ejif-6202	183	1	european	european	PROPN
ejif-6202	183	2	journal	journal	PROPN
ejif-6202	183	3	of	of	ADP
ejif-6202	183	4	islamic	islamic	PROPN
ejif-6202	183	5	finance	finance	PROPN
ejif-6202	183	6	issn	issn	PROPN
ejif-6202	183	7	:	:	PUNCT
ejif-6202	183	8	2421	2421	NUM
ejif-6202	183	9	-	-	SYM
ejif-6202	183	10	2172	2172	NUM
ejif-6202	183	11	doi	doi	NOUN
ejif-6202	183	12	:	:	PUNCT
ejif-6202	183	13	10.13135/2421	10.13135/2421	NUM
ejif-6202	183	14	-	-	PUNCT
ejif-6202	183	15	2172/6202published	2172/6202publishe	VERB
ejif-6202	183	16	by	by	ADP
ejif-6202	183	17	the	the	DET
ejif-6202	183	18	university	university	PROPN
ejif-6202	183	19	of	of	ADP
ejif-6202	183	20	turin	turin	PROPN
ejif-6202	184	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	184	2	ejif	ejif	PROPN
ejif-6202	184	3	content	content	NOUN
ejif-6202	184	4	is	be	AUX
ejif-6202	184	5	licensed	license	VERB
ejif-6202	184	6	under	under	ADP
ejif-6202	184	7	a	a	DET
ejif-6202	184	8	creative	creative	ADJ
ejif-6202	184	9	commons	common	NOUN
ejif-6202	184	10	attribution	attribution	NOUN
ejif-6202	184	11	4.0	4.0	NUM
ejif-6202	184	12	international	international	ADJ
ejif-6202	184	13	license	license	NOUN
ejif-6202	184	14	received	receive	VERB
ejif-6202	184	15	:	:	PUNCT
ejif-6202	184	16	11/08/2021	11/08/2021	NUM
ejif-6202	184	17	accepted	accept	VERB
ejif-6202	184	18	for	for	ADP
ejif-6202	184	19	publication	publication	NOUN
ejif-6202	184	20	:	:	PUNCT
ejif-6202	184	21	20/07/2022	20/07/2022	NUM
ejif-6202	184	22	published	publish	VERB
ejif-6202	184	23	:	:	PUNCT
ejif-6202	184	24	29/07/2022	29/07/2022	NUM
ejif-6202	184	25	39	39	NUM
ejif-6202	184	26	iii	iii	NOUN
ejif-6202	184	27	.	.	PUNCT
ejif-6202	184	28	case	case	NOUN
ejif-6202	184	29	study	study	NOUN
ejif-6202	184	30	a.	a.	NOUN
ejif-6202	184	31	data	data	PROPN
ejif-6202	184	32	sources	source	NOUN
ejif-6202	184	33	and	and	CCONJ
ejif-6202	184	34	structure	structure	NOUN
ejif-6202	184	35	to	to	PART
ejif-6202	184	36	evaluate	evaluate	VERB
ejif-6202	184	37	the	the	DET
ejif-6202	184	38	ai	ai	NOUN
ejif-6202	184	39	-	-	PUNCT
ejif-6202	184	40	driven	drive	VERB
ejif-6202	184	41	islamic	islamic	ADJ
ejif-6202	184	42	risk	risk	NOUN
ejif-6202	184	43	model	model	NOUN
ejif-6202	184	44	for	for	ADP
ejif-6202	184	45	microfinancing	microfinancing	NOUN
ejif-6202	184	46	,	,	PUNCT
ejif-6202	184	47	we	we	PRON
ejif-6202	184	48	collected	collect	VERB
ejif-6202	184	49	from	from	ADP
ejif-6202	184	50	an	an	DET
ejif-6202	184	51	islamic	islamic	ADJ
ejif-6202	184	52	microfinancing	microfinancing	NOUN
ejif-6202	184	53	institution	institution	NOUN
ejif-6202	184	54	a	a	DET
ejif-6202	184	55	dataset	dataset	NOUN
ejif-6202	184	56	of	of	ADP
ejif-6202	184	57	approximately	approximately	ADV
ejif-6202	184	58	30,000	30,000	NUM
ejif-6202	184	59	loan	loan	NOUN
ejif-6202	184	60	takers	taker	NOUN
ejif-6202	184	61	and	and	CCONJ
ejif-6202	184	62	applicants	applicant	NOUN
ejif-6202	184	63	in	in	ADP
ejif-6202	184	64	the	the	DET
ejif-6202	184	65	central	central	ADJ
ejif-6202	184	66	african	african	ADJ
ejif-6202	184	67	republic	republic	NOUN
ejif-6202	184	68	.	.	PUNCT
ejif-6202	185	1	the	the	DET
ejif-6202	185	2	dataset	dataset	NOUN
ejif-6202	185	3	was	be	AUX
ejif-6202	185	4	augmented	augment	VERB
ejif-6202	185	5	with	with	ADP
ejif-6202	185	6	data	datum	NOUN
ejif-6202	185	7	based	base	VERB
ejif-6202	185	8	on	on	ADP
ejif-6202	185	9	general	general	ADJ
ejif-6202	185	10	demographic	demographic	ADJ
ejif-6202	185	11	,	,	PUNCT
ejif-6202	185	12	income	income	NOUN
ejif-6202	185	13	,	,	PUNCT
ejif-6202	185	14	and	and	CCONJ
ejif-6202	185	15	societal	societal	ADJ
ejif-6202	185	16	norms	norm	NOUN
ejif-6202	185	17	when	when	SCONJ
ejif-6202	185	18	the	the	DET
ejif-6202	185	19	data	datum	NOUN
ejif-6202	185	20	was	be	AUX
ejif-6202	185	21	not	not	PART
ejif-6202	185	22	complete	complete	ADJ
ejif-6202	185	23	.	.	PUNCT
ejif-6202	186	1	the	the	DET
ejif-6202	186	2	reference	reference	NOUN
ejif-6202	186	3	data	datum	NOUN
ejif-6202	186	4	were	be	AUX
ejif-6202	186	5	taken	take	VERB
ejif-6202	186	6	from	from	ADP
ejif-6202	186	7	a	a	DET
ejif-6202	186	8	variety	variety	NOUN
ejif-6202	186	9	of	of	ADP
ejif-6202	186	10	sources	source	NOUN
ejif-6202	186	11	,	,	PUNCT
ejif-6202	186	12	such	such	ADJ
ejif-6202	186	13	as	as	ADP
ejif-6202	186	14	the	the	DET
ejif-6202	186	15	european	european	ADJ
ejif-6202	186	16	country	country	NOUN
ejif-6202	186	17	of	of	ADP
ejif-6202	186	18	origin	origin	NOUN
ejif-6202	186	19	information	information	NOUN
ejif-6202	186	20	network	network	NOUN
ejif-6202	186	21	,	,	PUNCT
ejif-6202	186	22	the	the	DET
ejif-6202	186	23	world	world	PROPN
ejif-6202	186	24	bank	bank	PROPN
ejif-6202	186	25	,	,	PUNCT
ejif-6202	186	26	the	the	DET
ejif-6202	186	27	international	international	ADJ
ejif-6202	186	28	monetary	monetary	ADJ
ejif-6202	186	29	fund	fund	NOUN
ejif-6202	186	30	,	,	PUNCT
ejif-6202	186	31	and	and	CCONJ
ejif-6202	186	32	the	the	DET
ejif-6202	186	33	united	united	PROPN
ejif-6202	186	34	nations	nations	PROPN
ejif-6202	186	35	statistics	statistic	NOUN
ejif-6202	187	1	[	[	X
ejif-6202	187	2	19	19	NUM
ejif-6202	187	3	,	,	PUNCT
ejif-6202	187	4	20	20	NUM
ejif-6202	187	5	]	]	PUNCT
ejif-6202	187	6	.	.	PUNCT
ejif-6202	188	1	table	table	NOUN
ejif-6202	188	2	1	1	NUM
ejif-6202	188	3	:	:	PUNCT
ejif-6202	188	4	dataset	dataset	ADJ
ejif-6202	188	5	parameters	parameter	NOUN
ejif-6202	188	6	categorized	categorize	VERB
ejif-6202	188	7	according	accord	VERB
ejif-6202	188	8	to	to	ADP
ejif-6202	188	9	personal	personal	ADJ
ejif-6202	188	10	data	datum	NOUN
ejif-6202	188	11	,	,	PUNCT
ejif-6202	188	12	islamic	islamic	ADJ
ejif-6202	188	13	values	value	NOUN
ejif-6202	188	14	,	,	PUNCT
ejif-6202	188	15	and	and	CCONJ
ejif-6202	188	16	financial	financial	ADJ
ejif-6202	188	17	data	datum	NOUN
ejif-6202	188	18	.	.	PUNCT
ejif-6202	189	1	data	datum	NOUN
ejif-6202	189	2	columns	column	NOUN
ejif-6202	189	3	type	type	NOUN
ejif-6202	189	4	gender	gender	NOUN
ejif-6202	189	5	personal	personal	NOUN
ejif-6202	190	1	d	d	PROPN
ejif-6202	190	2	ata	ata	ADJ
ejif-6202	190	3	age	age	NOUN
ejif-6202	190	4	job	job	NOUN
ejif-6202	190	5	marital	marital	ADJ
ejif-6202	190	6	status	status	NOUN
ejif-6202	190	7	number	number	NOUN
ejif-6202	190	8	children	child	NOUN
ejif-6202	190	9	wife	wife	NOUN
ejif-6202	190	10	is	be	AUX
ejif-6202	190	11	working	work	VERB
ejif-6202	190	12	number	number	NOUN
ejif-6202	190	13	of	of	ADP
ejif-6202	190	14	mobile	mobile	ADJ
ejif-6202	190	15	phones	phone	NOUN
ejif-6202	190	16	number	number	NOUN
ejif-6202	190	17	of	of	ADP
ejif-6202	190	18	children	child	NOUN
ejif-6202	190	19	studying	study	VERB
ejif-6202	190	20	zakat	zakat	NOUN
ejif-6202	190	21	amount	amount	NOUN
ejif-6202	190	22	paid	pay	VERB
ejif-6202	190	23	per	per	ADP
ejif-6202	190	24	year	year	NOUN
ejif-6202	190	25	islam	islam	PROPN
ejif-6202	190	26	ic	ic	PROPN
ejif-6202	190	27	value	value	PROPN
ejif-6202	190	28	s	s	PART
ejif-6202	190	29	participates	participate	VERB
ejif-6202	190	30	in	in	ADP
ejif-6202	190	31	islamic	islamic	ADJ
ejif-6202	190	32	volunteering	volunteer	VERB
ejif-6202	190	33	committed	commit	VERB
ejif-6202	190	34	crimes	crime	NOUN
ejif-6202	190	35	number	number	NOUN
ejif-6202	190	36	of	of	ADP
ejif-6202	190	37	crimes	crime	NOUN
ejif-6202	190	38	committed	commit	VERB
ejif-6202	190	39	went	go	VERB
ejif-6202	190	40	to	to	ADP
ejif-6202	190	41	an	an	DET
ejif-6202	190	42	islamic	islamic	ADJ
ejif-6202	190	43	school	school	NOUN
ejif-6202	190	44	monthly	monthly	ADJ
ejif-6202	190	45	salary	salary	NOUN
ejif-6202	191	1	financial	financial	PROPN
ejif-6202	191	2	d	d	PROPN
ejif-6202	191	3	ata	ata	VERB
ejif-6202	191	4	monthly	monthly	ADJ
ejif-6202	191	5	overall	overall	ADJ
ejif-6202	191	6	income	income	NOUN
ejif-6202	191	7	monthly	monthly	ADJ
ejif-6202	191	8	loan	loan	NOUN
ejif-6202	191	9	repayment	repayment	NOUN
ejif-6202	191	10	monthly	monthly	ADJ
ejif-6202	191	11	expenditure	expenditure	NOUN
ejif-6202	191	12	number	number	NOUN
ejif-6202	191	13	successfully	successfully	ADV
ejif-6202	191	14	repaid	repay	VERB
ejif-6202	191	15	loans	loan	NOUN
ejif-6202	191	16	number	number	NOUN
ejif-6202	191	17	defaulted	default	VERB
ejif-6202	191	18	loans	loan	NOUN
ejif-6202	191	19	value	value	NOUN
ejif-6202	191	20	of	of	ADP
ejif-6202	191	21	collateral	collateral	NOUN
ejif-6202	191	22	for	for	ADP
ejif-6202	191	23	the	the	DET
ejif-6202	191	24	risk	risk	NOUN
ejif-6202	191	25	modeling	modeling	NOUN
ejif-6202	191	26	framework	framework	NOUN
ejif-6202	191	27	,	,	PUNCT
ejif-6202	191	28	we	we	PRON
ejif-6202	191	29	analyzed	analyze	VERB
ejif-6202	191	30	initially	initially	ADV
ejif-6202	191	31	the	the	DET
ejif-6202	191	32	dataset	dataset	NOUN
ejif-6202	191	33	to	to	PART
ejif-6202	191	34	discern	discern	VERB
ejif-6202	191	35	potential	potential	ADJ
ejif-6202	191	36	correlations	correlation	NOUN
ejif-6202	191	37	and	and	CCONJ
ejif-6202	191	38	relationships	relationship	NOUN
ejif-6202	191	39	within	within	ADP
ejif-6202	191	40	the	the	DET
ejif-6202	191	41	data	datum	NOUN
ejif-6202	191	42	.	.	PUNCT
ejif-6202	192	1	the	the	DET
ejif-6202	192	2	structure	structure	NOUN
ejif-6202	192	3	of	of	ADP
ejif-6202	192	4	the	the	DET
ejif-6202	192	5	collected	collect	VERB
ejif-6202	192	6	data	datum	NOUN
ejif-6202	192	7	for	for	ADP
ejif-6202	192	8	each	each	DET
ejif-6202	192	9	individual	individual	ADJ
ejif-6202	192	10	loan	loan	NOUN
ejif-6202	192	11	applicant	applicant	NOUN
ejif-6202	192	12	is	be	AUX
ejif-6202	192	13	outlined	outline	VERB
ejif-6202	192	14	in	in	ADP
ejif-6202	192	15	table	table	NOUN
ejif-6202	192	16	1	1	NUM
ejif-6202	192	17	.	.	PUNCT
ejif-6202	193	1	the	the	DET
ejif-6202	193	2	collected	collect	VERB
ejif-6202	193	3	data	datum	NOUN
ejif-6202	193	4	were	be	AUX
ejif-6202	193	5	categorized	categorize	VERB
ejif-6202	193	6	into	into	ADP
ejif-6202	193	7	three	three	NUM
ejif-6202	193	8	different	different	ADJ
ejif-6202	193	9	types	type	NOUN
ejif-6202	193	10	:	:	PUNCT
ejif-6202	193	11	personal	personal	ADJ
ejif-6202	193	12	data	datum	NOUN
ejif-6202	193	13	,	,	PUNCT
ejif-6202	193	14	data	datum	NOUN
ejif-6202	193	15	related	relate	VERB
ejif-6202	193	16	to	to	ADP
ejif-6202	193	17	islamic	islamic	ADJ
ejif-6202	193	18	values	value	NOUN
ejif-6202	193	19	,	,	PUNCT
ejif-6202	193	20	and	and	CCONJ
ejif-6202	193	21	financial	financial	ADJ
ejif-6202	193	22	data	datum	NOUN
ejif-6202	193	23	.	.	PUNCT
ejif-6202	194	1	b.	b.	PROPN
ejif-6202	194	2	data	data	PROPN
ejif-6202	194	3	visualisation	visualisation	NOUN
ejif-6202	194	4	in	in	ADP
ejif-6202	194	5	this	this	DET
ejif-6202	194	6	section	section	NOUN
ejif-6202	194	7	,	,	PUNCT
ejif-6202	194	8	we	we	PRON
ejif-6202	194	9	describe	describe	VERB
ejif-6202	194	10	the	the	DET
ejif-6202	194	11	data	data	NOUN
ejif-6202	194	12	distributions	distribution	NOUN
ejif-6202	194	13	and	and	CCONJ
ejif-6202	194	14	composition	composition	NOUN
ejif-6202	194	15	of	of	ADP
ejif-6202	194	16	the	the	DET
ejif-6202	194	17	initial	initial	ADJ
ejif-6202	194	18	dataset	dataset	NOUN
ejif-6202	194	19	.	.	PUNCT
ejif-6202	195	1	in	in	ADP
ejif-6202	195	2	figure	figure	NOUN
ejif-6202	195	3	2	2	NUM
ejif-6202	195	4	,	,	PUNCT
ejif-6202	195	5	we	we	PRON
ejif-6202	195	6	outline	outline	VERB
ejif-6202	195	7	the	the	DET
ejif-6202	195	8	dataset	dataset	NOUN
ejif-6202	195	9	's	's	PART
ejif-6202	195	10	age	age	NOUN
ejif-6202	195	11	distribution	distribution	NOUN
ejif-6202	195	12	and	and	CCONJ
ejif-6202	195	13	marital	marital	ADJ
ejif-6202	195	14	status	status	NOUN
ejif-6202	195	15	.	.	PUNCT
ejif-6202	196	1	the	the	DET
ejif-6202	196	2	histogram	histogram	NOUN
ejif-6202	196	3	values	value	NOUN
ejif-6202	196	4	are	be	AUX
ejif-6202	196	5	all	all	PRON
ejif-6202	196	6	indicated	indicate	VERB
ejif-6202	196	7	in	in	ADP
ejif-6202	196	8	per	per	ADP
ejif-6202	196	9	cent	cent	NOUN
ejif-6202	196	10	.	.	PUNCT
ejif-6202	197	1	the	the	DET
ejif-6202	197	2	distribution	distribution	NOUN
ejif-6202	197	3	shows	show	VERB
ejif-6202	197	4	that	that	SCONJ
ejif-6202	197	5	most	most	ADJ
ejif-6202	197	6	of	of	ADP
ejif-6202	197	7	the	the	DET
ejif-6202	197	8	applicants	applicant	NOUN
ejif-6202	197	9	were	be	AUX
ejif-6202	197	10	married	marry	VERB
ejif-6202	197	11	,	,	PUNCT
ejif-6202	197	12	with	with	ADP
ejif-6202	197	13	a	a	DET
ejif-6202	197	14	few	few	ADJ
ejif-6202	197	15	being	be	AUX
ejif-6202	197	16	single	single	ADJ
ejif-6202	197	17	(	(	PUNCT
ejif-6202	197	18	less	less	ADJ
ejif-6202	197	19	than	than	ADP
ejif-6202	197	20	5	5	NUM
ejif-6202	197	21	%	%	NOUN
ejif-6202	197	22	for	for	ADP
ejif-6202	197	23	each	each	DET
ejif-6202	197	24	age	age	NOUN
ejif-6202	197	25	group	group	NOUN
ejif-6202	197	26	)	)	PUNCT
ejif-6202	197	27	and	and	CCONJ
ejif-6202	197	28	a	a	DET
ejif-6202	197	29	lesser	less	ADJ
ejif-6202	197	30	number	number	NOUN
ejif-6202	197	31	(	(	PUNCT
ejif-6202	197	32	less	less	ADJ
ejif-6202	197	33	than	than	ADP
ejif-6202	197	34	2	2	NUM
ejif-6202	197	35	%	%	NOUN
ejif-6202	197	36	)	)	PUNCT
ejif-6202	197	37	being	be	AUX
ejif-6202	197	38	divorced	divorce	VERB
ejif-6202	197	39	or	or	CCONJ
ejif-6202	197	40	widowed	widow	VERB
ejif-6202	197	41	.	.	PUNCT
ejif-6202	198	1	figure	figure	VERB
ejif-6202	198	2	2	2	NUM
ejif-6202	198	3	:	:	PUNCT
ejif-6202	198	4	histogram	histogram	NOUN
ejif-6202	198	5	of	of	ADP
ejif-6202	198	6	the	the	DET
ejif-6202	198	7	age	age	NOUN
ejif-6202	198	8	distribution	distribution	NOUN
ejif-6202	198	9	and	and	CCONJ
ejif-6202	198	10	marital	marital	ADJ
ejif-6202	198	11	status	status	NOUN
ejif-6202	198	12	.	.	PUNCT
ejif-6202	199	1	the	the	DET
ejif-6202	199	2	data	data	NOUN
ejif-6202	199	3	outline	outline	NOUN
ejif-6202	199	4	that	that	SCONJ
ejif-6202	199	5	almost	almost	ADV
ejif-6202	199	6	38	38	NUM
ejif-6202	199	7	per	per	ADP
ejif-6202	199	8	cent	cent	NOUN
ejif-6202	199	9	of	of	ADP
ejif-6202	199	10	the	the	DET
ejif-6202	199	11	women	woman	NOUN
ejif-6202	199	12	are	be	AUX
ejif-6202	199	13	married	married	ADJ
ejif-6202	199	14	,	,	PUNCT
ejif-6202	199	15	while	while	SCONJ
ejif-6202	199	16	around	around	ADV
ejif-6202	199	17	17	17	NUM
ejif-6202	199	18	per	per	NOUN
ejif-6202	199	19	cent	cent	NOUN
ejif-6202	199	20	are	be	AUX
ejif-6202	199	21	single	single	ADJ
ejif-6202	199	22	.	.	PUNCT
ejif-6202	200	1	the	the	DET
ejif-6202	200	2	overall	overall	ADJ
ejif-6202	200	3	statistics	statistic	NOUN
ejif-6202	200	4	outline	outline	VERB
ejif-6202	200	5	that	that	SCONJ
ejif-6202	200	6	the	the	DET
ejif-6202	200	7	dataset	dataset	NOUN
ejif-6202	200	8	contains	contain	VERB
ejif-6202	200	9	more	more	ADJ
ejif-6202	200	10	women	woman	NOUN
ejif-6202	200	11	as	as	ADP
ejif-6202	200	12	compared	compare	VERB
ejif-6202	200	13	to	to	ADP
ejif-6202	200	14	men	man	NOUN
ejif-6202	200	15	in	in	ADP
ejif-6202	200	16	the	the	DET
ejif-6202	200	17	dataset	dataset	NOUN
ejif-6202	200	18	.	.	PUNCT
ejif-6202	201	1	given	give	VERB
ejif-6202	201	2	that	that	SCONJ
ejif-6202	201	3	the	the	DET
ejif-6202	201	4	average	average	ADJ
ejif-6202	201	5	income	income	NOUN
ejif-6202	201	6	of	of	ADP
ejif-6202	201	7	men	man	NOUN
ejif-6202	201	8	is	be	AUX
ejif-6202	201	9	typically	typically	ADV
ejif-6202	201	10	higher	high	ADJ
ejif-6202	201	11	than	than	ADP
ejif-6202	201	12	women	woman	NOUN
ejif-6202	201	13	's	's	PART
ejif-6202	201	14	,	,	PUNCT
ejif-6202	201	15	with	with	SCONJ
ejif-6202	201	16	many	many	ADJ
ejif-6202	201	17	islamic	islamic	ADJ
ejif-6202	201	18	microfinance	microfinance	NOUN
ejif-6202	201	19	businesses	business	NOUN
ejif-6202	201	20	primarily	primarily	ADV
ejif-6202	201	21	being	be	AUX
ejif-6202	201	22	run	run	VERB
ejif-6202	201	23	by	by	ADP
ejif-6202	201	24	women	woman	NOUN
ejif-6202	201	25	,	,	PUNCT
ejif-6202	201	26	this	this	PRON
ejif-6202	201	27	is	be	AUX
ejif-6202	201	28	mirrored	mirror	VERB
ejif-6202	201	29	in	in	ADP
ejif-6202	201	30	the	the	DET
ejif-6202	201	31	dataset	dataset	NOUN
ejif-6202	201	32	.	.	PUNCT
ejif-6202	202	1	this	this	DET
ejif-6202	202	2	situation	situation	NOUN
ejif-6202	202	3	is	be	AUX
ejif-6202	202	4	outlined	outline	VERB
ejif-6202	202	5	in	in	ADP
ejif-6202	202	6	figure	figure	NOUN
ejif-6202	202	7	3	3	NUM
ejif-6202	202	8	that	that	PRON
ejif-6202	202	9	clearly	clearly	ADV
ejif-6202	202	10	outlines	outline	VERB
ejif-6202	202	11	that	that	SCONJ
ejif-6202	202	12	men	man	NOUN
ejif-6202	202	13	have	have	VERB
ejif-6202	202	14	a	a	DET
ejif-6202	202	15	shifted	shift	VERB
ejif-6202	202	16	and	and	CCONJ
ejif-6202	202	17	flatter	flatter	ADJ
ejif-6202	202	18	salary	salary	NOUN
ejif-6202	202	19	distribution	distribution	NOUN
ejif-6202	202	20	as	as	ADP
ejif-6202	202	21	,	,	PUNCT
ejif-6202	202	22	which	which	PRON
ejif-6202	202	23	clearly	clearly	ADV
ejif-6202	202	24	outlines	outline	VERB
ejif-6202	202	25	than	than	SCONJ
ejif-6202	202	26	men	man	NOUN
ejif-6202	202	27	have	have	VERB
ejif-6202	202	28	a	a	DET
ejif-6202	202	29	gone	go	VERB
ejif-6202	202	30	and	and	CCONJ
ejif-6202	202	31	flatter	flatter	ADJ
ejif-6202	202	32	salary	salary	NOUN
ejif-6202	202	33	distribution	distribution	NOUN
ejif-6202	202	34	compared	compare	VERB
ejif-6202	202	35	to	to	ADP
ejif-6202	202	36	women	woman	NOUN
ejif-6202	202	37	.	.	PUNCT
ejif-6202	203	1	another	another	DET
ejif-6202	203	2	interesting	interesting	ADJ
ejif-6202	203	3	statistic	statistic	NOUN
ejif-6202	203	4	is	be	AUX
ejif-6202	203	5	the	the	DET
ejif-6202	203	6	comparison	comparison	NOUN
ejif-6202	203	7	between	between	ADP
ejif-6202	203	8	overall	overall	ADJ
ejif-6202	203	9	monthly	monthly	ADJ
ejif-6202	203	10	income	income	NOUN
ejif-6202	203	11	and	and	CCONJ
ejif-6202	203	12	the	the	DET
ejif-6202	203	13	attendance	attendance	NOUN
ejif-6202	203	14	of	of	ADP
ejif-6202	203	15	an	an	DET
ejif-6202	203	16	islamic	islamic	ADJ
ejif-6202	203	17	school	school	NOUN
ejif-6202	203	18	.	.	PUNCT
ejif-6202	204	1	figure	figure	VERB
ejif-6202	204	2	4	4	NUM
ejif-6202	204	3	outlines	outline	VERB
ejif-6202	204	4	the	the	DET
ejif-6202	204	5	statistics	statistic	NOUN
ejif-6202	204	6	,	,	PUNCT
ejif-6202	204	7	which	which	PRON
ejif-6202	204	8	do	do	AUX
ejif-6202	204	9	not	not	PART
ejif-6202	204	10	seem	seem	VERB
ejif-6202	204	11	to	to	PART
ejif-6202	204	12	significantly	significantly	ADV
ejif-6202	204	13	impact	impact	VERB
ejif-6202	204	14	.	.	PUNCT
ejif-6202	205	1	to	to	PART
ejif-6202	205	2	understand	understand	VERB
ejif-6202	205	3	gender	gender	NOUN
ejif-6202	205	4	-	-	PUNCT
ejif-6202	205	5	induced	induce	VERB
ejif-6202	205	6	effects	effect	NOUN
ejif-6202	205	7	on	on	ADP
ejif-6202	205	8	marital	marital	ADJ
ejif-6202	205	9	status	status	NOUN
ejif-6202	205	10	,	,	PUNCT
ejif-6202	205	11	we	we	PRON
ejif-6202	205	12	visualise	visualise	VERB
ejif-6202	205	13	the	the	DET
ejif-6202	205	14	distribution	distribution	NOUN
ejif-6202	205	15	of	of	ADP
ejif-6202	205	16	the	the	DET
ejif-6202	205	17	data	datum	NOUN
ejif-6202	205	18	in	in	ADP
ejif-6202	205	19	figure	figure	NOUN
ejif-6202	205	20	5	5	NUM
ejif-6202	205	21	their	their	PRON
ejif-6202	205	22	distribution	distribution	NOUN
ejif-6202	205	23	and	and	CCONJ
ejif-6202	205	24	colour	colour	VERB
ejif-6202	205	25	each	each	PRON
ejif-6202	205	26	by	by	ADP
ejif-6202	205	27	their	their	PRON
ejif-6202	205	28	marital	marital	ADJ
ejif-6202	205	29	status	status	NOUN
ejif-6202	205	30	.	.	PUNCT
ejif-6202	206	1	60	60	NUM
ejif-6202	206	2	per	per	ADP
ejif-6202	206	3	cent	cent	NOUN
ejif-6202	206	4	of	of	ADP
ejif-6202	206	5	the	the	DET
ejif-6202	206	6	dataset	dataset	NOUN
ejif-6202	206	7	is	be	AUX
ejif-6202	206	8	made	make	VERB
ejif-6202	206	9	up	up	ADP
ejif-6202	206	10	of	of	ADP
ejif-6202	206	11	women	woman	NOUN
ejif-6202	206	12	.	.	PUNCT
ejif-6202	207	1	in	in	ADP
ejif-6202	207	2	comparison	comparison	NOUN
ejif-6202	207	3	,	,	PUNCT
ejif-6202	207	4	the	the	DET
ejif-6202	207	5	remaining	remain	VERB
ejif-6202	207	6	40	40	NUM
ejif-6202	207	7	per	per	NOUN
ejif-6202	207	8	cent	cent	NOUN
ejif-6202	207	9	constitute	constitute	VERB
ejif-6202	207	10	men	man	NOUN
ejif-6202	207	11	.	.	PUNCT
ejif-6202	208	1	most	most	ADJ
ejif-6202	208	2	of	of	ADP
ejif-6202	208	3	the	the	DET
ejif-6202	208	4	individuals	individual	NOUN
ejif-6202	208	5	are	be	AUX
ejif-6202	208	6	married	marry	VERB
ejif-6202	208	7	,	,	PUNCT
ejif-6202	208	8	with	with	ADP
ejif-6202	208	9	a	a	DET
ejif-6202	208	10	further	further	ADJ
ejif-6202	208	11	33	33	NUM
ejif-6202	208	12	per	per	NOUN
ejif-6202	208	13	cent	cent	NOUN
ejif-6202	208	14	being	be	AUX
ejif-6202	208	15	single	single	ADJ
ejif-6202	208	16	.	.	PUNCT
ejif-6202	209	1	european	european	PROPN
ejif-6202	209	2	journal	journal	PROPN
ejif-6202	209	3	of	of	ADP
ejif-6202	209	4	islamic	islamic	PROPN
ejif-6202	209	5	finance	finance	PROPN
ejif-6202	209	6	issn	issn	PROPN
ejif-6202	209	7	:	:	PUNCT
ejif-6202	209	8	2421	2421	NUM
ejif-6202	209	9	-	-	SYM
ejif-6202	209	10	2172	2172	NUM
ejif-6202	209	11	doi	doi	NOUN
ejif-6202	209	12	:	:	PUNCT
ejif-6202	209	13	10.13135/2421	10.13135/2421	NUM
ejif-6202	209	14	-	-	PUNCT
ejif-6202	209	15	2172/6202published	2172/6202publishe	VERB
ejif-6202	209	16	by	by	ADP
ejif-6202	209	17	the	the	DET
ejif-6202	209	18	university	university	PROPN
ejif-6202	209	19	of	of	ADP
ejif-6202	209	20	turin	turin	PROPN
ejif-6202	210	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	210	2	ejif	ejif	PROPN
ejif-6202	210	3	content	content	NOUN
ejif-6202	210	4	is	be	AUX
ejif-6202	210	5	licensed	license	VERB
ejif-6202	210	6	under	under	ADP
ejif-6202	210	7	a	a	DET
ejif-6202	210	8	creative	creative	ADJ
ejif-6202	210	9	commons	common	NOUN
ejif-6202	210	10	attribution	attribution	NOUN
ejif-6202	210	11	4.0	4.0	NUM
ejif-6202	210	12	international	international	ADJ
ejif-6202	210	13	license	license	NOUN
ejif-6202	210	14	received	receive	VERB
ejif-6202	210	15	:	:	PUNCT
ejif-6202	210	16	11/08/2021	11/08/2021	NUM
ejif-6202	210	17	accepted	accept	VERB
ejif-6202	210	18	for	for	ADP
ejif-6202	210	19	publication	publication	NOUN
ejif-6202	210	20	:	:	PUNCT
ejif-6202	210	21	20/07/2022	20/07/2022	NUM
ejif-6202	210	22	published	publish	VERB
ejif-6202	210	23	:	:	PUNCT
ejif-6202	210	24	29/07/2022	29/07/2022	NUM
ejif-6202	210	25	40	40	NUM
ejif-6202	210	26	figure	figure	NOUN
ejif-6202	210	27	3	3	NUM
ejif-6202	210	28	:	:	PUNCT
ejif-6202	210	29	histogram	histogram	NOUN
ejif-6202	210	30	of	of	ADP
ejif-6202	210	31	the	the	DET
ejif-6202	210	32	salary	salary	NOUN
ejif-6202	210	33	distribution	distribution	NOUN
ejif-6202	210	34	for	for	ADP
ejif-6202	210	35	different	different	ADJ
ejif-6202	210	36	genders	gender	NOUN
ejif-6202	210	37	.	.	PUNCT
ejif-6202	211	1	figure	figure	VERB
ejif-6202	211	2	4	4	NUM
ejif-6202	211	3	:	:	PUNCT
ejif-6202	211	4	histogram	histogram	NOUN
ejif-6202	211	5	comparison	comparison	NOUN
ejif-6202	211	6	of	of	ADP
ejif-6202	211	7	overall	overall	ADJ
ejif-6202	211	8	monthly	monthly	ADJ
ejif-6202	211	9	income	income	NOUN
ejif-6202	211	10	versus	versus	ADP
ejif-6202	211	11	attendance	attendance	NOUN
ejif-6202	211	12	of	of	ADP
ejif-6202	211	13	islamic	islamic	ADJ
ejif-6202	211	14	school	school	PROPN
ejif-6202	211	15	.	.	PUNCT
ejif-6202	212	1	figure	figure	VERB
ejif-6202	212	2	5	5	NUM
ejif-6202	212	3	:	:	PUNCT
ejif-6202	212	4	comparison	comparison	NOUN
ejif-6202	212	5	of	of	ADP
ejif-6202	212	6	the	the	DET
ejif-6202	212	7	distribution	distribution	NOUN
ejif-6202	212	8	of	of	ADP
ejif-6202	212	9	males	male	NOUN
ejif-6202	212	10	and	and	CCONJ
ejif-6202	212	11	females	female	NOUN
ejif-6202	212	12	according	accord	VERB
ejif-6202	212	13	to	to	ADP
ejif-6202	212	14	their	their	PRON
ejif-6202	212	15	marital	marital	ADJ
ejif-6202	212	16	status	status	NOUN
ejif-6202	212	17	.	.	PUNCT
ejif-6202	213	1	c.	c.	PROPN
ejif-6202	213	2	data	data	PROPN
ejif-6202	213	3	interpretation	interpretation	NOUN
ejif-6202	213	4	to	to	PART
ejif-6202	213	5	analyze	analyze	VERB
ejif-6202	213	6	the	the	DET
ejif-6202	213	7	data	datum	NOUN
ejif-6202	213	8	in	in	ADP
ejif-6202	213	9	greater	great	ADJ
ejif-6202	213	10	detail	detail	NOUN
ejif-6202	213	11	,	,	PUNCT
ejif-6202	213	12	we	we	PRON
ejif-6202	213	13	performed	perform	VERB
ejif-6202	213	14	hypothesis	hypothesis	NOUN
ejif-6202	213	15	testing	testing	NOUN
ejif-6202	213	16	to	to	PART
ejif-6202	213	17	ascertain	ascertain	VERB
ejif-6202	213	18	visually	visually	ADV
ejif-6202	213	19	observed	observe	VERB
ejif-6202	213	20	trends	trend	NOUN
ejif-6202	213	21	.	.	PUNCT
ejif-6202	214	1	the	the	DET
ejif-6202	214	2	first	first	ADJ
ejif-6202	214	3	visual	visual	ADJ
ejif-6202	214	4	observation	observation	NOUN
ejif-6202	214	5	is	be	AUX
ejif-6202	214	6	that	that	SCONJ
ejif-6202	214	7	the	the	DET
ejif-6202	214	8	salary	salary	NOUN
ejif-6202	214	9	levels	level	NOUN
ejif-6202	214	10	of	of	ADP
ejif-6202	214	11	the	the	DET
ejif-6202	214	12	male	male	NOUN
ejif-6202	214	13	is	be	AUX
ejif-6202	214	14	considerably	considerably	ADV
ejif-6202	214	15	higher	high	ADJ
ejif-6202	214	16	than	than	ADP
ejif-6202	214	17	those	those	PRON
ejif-6202	214	18	of	of	ADP
ejif-6202	214	19	women	woman	NOUN
ejif-6202	214	20	.	.	PUNCT
ejif-6202	215	1	to	to	PART
ejif-6202	215	2	analyze	analyze	VERB
ejif-6202	215	3	this	this	PRON
ejif-6202	215	4	,	,	PUNCT
ejif-6202	215	5	we	we	PRON
ejif-6202	215	6	performed	perform	VERB
ejif-6202	215	7	a	a	DET
ejif-6202	215	8	statistical	statistical	ADJ
ejif-6202	215	9	2	2	NUM
ejif-6202	215	10	-	-	PUNCT
ejif-6202	215	11	sampled	sample	VERB
ejif-6202	215	12	z	z	NOUN
ejif-6202	215	13	-	-	PUNCT
ejif-6202	215	14	test	test	NOUN
ejif-6202	215	15	.	.	PUNCT
ejif-6202	216	1	the	the	DET
ejif-6202	216	2	t	t	PROPN
ejif-6202	216	3	-	-	PUNCT
ejif-6202	216	4	test	test	NOUN
ejif-6202	216	5	is	be	AUX
ejif-6202	216	6	an	an	DET
ejif-6202	216	7	inferential	inferential	ADJ
ejif-6202	216	8	statistical	statistical	ADJ
ejif-6202	216	9	test	test	NOUN
ejif-6202	216	10	to	to	PART
ejif-6202	216	11	assess	assess	VERB
ejif-6202	216	12	whether	whether	SCONJ
ejif-6202	216	13	two	two	NUM
ejif-6202	216	14	groups	group	NOUN
ejif-6202	216	15	exhibit	exhibit	VERB
ejif-6202	216	16	a	a	DET
ejif-6202	216	17	significant	significant	ADJ
ejif-6202	216	18	difference	difference	NOUN
ejif-6202	216	19	in	in	ADP
ejif-6202	216	20	their	their	PRON
ejif-6202	216	21	respective	respective	ADJ
ejif-6202	216	22	means	mean	NOUN
ejif-6202	216	23	.	.	PUNCT
ejif-6202	217	1	given	give	VERB
ejif-6202	217	2	that	that	SCONJ
ejif-6202	217	3	we	we	PRON
ejif-6202	217	4	know	know	VERB
ejif-6202	217	5	from	from	ADP
ejif-6202	217	6	the	the	DET
ejif-6202	217	7	dataset	dataset	NOUN
ejif-6202	217	8	the	the	DET
ejif-6202	217	9	two	two	NUM
ejif-6202	217	10	groups	group	NOUN
ejif-6202	217	11	'	'	PART
ejif-6202	217	12	population	population	NOUN
ejif-6202	217	13	variances	variance	NOUN
ejif-6202	217	14	and	and	CCONJ
ejif-6202	217	15	a	a	DET
ejif-6202	217	16	large	large	ADJ
ejif-6202	217	17	sample	sample	NOUN
ejif-6202	217	18	size	size	NOUN
ejif-6202	217	19	,	,	PUNCT
ejif-6202	217	20	the	the	DET
ejif-6202	217	21	z	z	NOUN
ejif-6202	217	22	-	-	PUNCT
ejif-6202	217	23	test	test	NOUN
ejif-6202	217	24	is	be	AUX
ejif-6202	217	25	more	more	ADV
ejif-6202	217	26	adequate	adequate	ADJ
ejif-6202	217	27	to	to	PART
ejif-6202	217	28	determine	determine	VERB
ejif-6202	217	29	the	the	DET
ejif-6202	217	30	difference	difference	NOUN
ejif-6202	217	31	.	.	PUNCT
ejif-6202	218	1	to	to	PART
ejif-6202	218	2	statistically	statistically	ADV
ejif-6202	218	3	prove	prove	VERB
ejif-6202	218	4	that	that	SCONJ
ejif-6202	218	5	the	the	DET
ejif-6202	218	6	distributions	distribution	NOUN
ejif-6202	218	7	for	for	ADP
ejif-6202	218	8	men	man	NOUN
ejif-6202	218	9	and	and	CCONJ
ejif-6202	218	10	women	woman	NOUN
ejif-6202	218	11	are	be	AUX
ejif-6202	218	12	not	not	PART
ejif-6202	218	13	equal	equal	ADJ
ejif-6202	218	14	,	,	PUNCT
ejif-6202	218	15	we	we	PRON
ejif-6202	218	16	utilise	utilise	VERB
ejif-6202	218	17	the	the	DET
ejif-6202	218	18	null	null	ADJ
ejif-6202	218	19	hypothesis	hypothesis	NOUN
ejif-6202	218	20	that	that	SCONJ
ejif-6202	218	21	the	the	DET
ejif-6202	218	22	means	mean	NOUN
ejif-6202	218	23	of	of	ADP
ejif-6202	218	24	the	the	DET
ejif-6202	218	25	two	two	NUM
ejif-6202	218	26	groups	group	NOUN
ejif-6202	218	27	are	be	AUX
ejif-6202	218	28	identical	identical	ADJ
ejif-6202	218	29	and	and	CCONJ
ejif-6202	218	30	aim	aim	VERB
ejif-6202	218	31	to	to	PART
ejif-6202	218	32	reject	reject	VERB
ejif-6202	218	33	the	the	DET
ejif-6202	218	34	null	null	ADJ
ejif-6202	218	35	hypothesis	hypothesis	NOUN
ejif-6202	218	36	.	.	PUNCT
ejif-6202	219	1	performing	perform	VERB
ejif-6202	219	2	the	the	DET
ejif-6202	219	3	analysis	analysis	NOUN
ejif-6202	219	4	and	and	CCONJ
ejif-6202	219	5	calculating	calculate	VERB
ejif-6202	219	6	the	the	DET
ejif-6202	219	7	p	p	NOUN
ejif-6202	219	8	-	-	PUNCT
ejif-6202	219	9	value	value	NOUN
ejif-6202	219	10	,	,	PUNCT
ejif-6202	219	11	we	we	PRON
ejif-6202	219	12	could	could	AUX
ejif-6202	219	13	easily	easily	ADV
ejif-6202	219	14	reject	reject	VERB
ejif-6202	219	15	the	the	DET
ejif-6202	219	16	null	null	ADJ
ejif-6202	219	17	hypothesis	hypothesis	NOUN
ejif-6202	219	18	that	that	PRON
ejif-6202	219	19	the	the	DET
ejif-6202	219	20	two	two	NUM
ejif-6202	219	21	means	mean	NOUN
ejif-6202	219	22	are	be	AUX
ejif-6202	219	23	identical	identical	ADJ
ejif-6202	219	24	.	.	PUNCT
ejif-6202	220	1	analysing	analyse	VERB
ejif-6202	220	2	the	the	DET
ejif-6202	220	3	histograms	histogram	NOUN
ejif-6202	220	4	in	in	ADP
ejif-6202	220	5	figure	figure	NOUN
ejif-6202	220	6	3	3	NUM
ejif-6202	220	7	,	,	PUNCT
ejif-6202	220	8	we	we	PRON
ejif-6202	220	9	can	can	AUX
ejif-6202	220	10	observe	observe	VERB
ejif-6202	220	11	that	that	SCONJ
ejif-6202	220	12	the	the	DET
ejif-6202	220	13	earnings	earning	NOUN
ejif-6202	220	14	for	for	ADP
ejif-6202	220	15	males	male	NOUN
ejif-6202	220	16	are	be	AUX
ejif-6202	220	17	considerably	considerably	ADV
ejif-6202	220	18	higher	high	ADJ
ejif-6202	220	19	as	as	SCONJ
ejif-6202	220	20	compared	compare	VERB
ejif-6202	220	21	to	to	ADP
ejif-6202	220	22	women	woman	NOUN
ejif-6202	220	23	.	.	PUNCT
ejif-6202	221	1	furthermore	furthermore	ADV
ejif-6202	221	2	,	,	PUNCT
ejif-6202	221	3	we	we	PRON
ejif-6202	221	4	perform	perform	VERB
ejif-6202	221	5	statistical	statistical	ADJ
ejif-6202	221	6	analysis	analysis	NOUN
ejif-6202	221	7	with	with	ADP
ejif-6202	221	8	the	the	DET
ejif-6202	221	9	null	null	ADJ
ejif-6202	221	10	hypothesis	hypothesis	NOUN
ejif-6202	221	11	that	that	PRON
ejif-6202	221	12	the	the	DET
ejif-6202	221	13	income	income	NOUN
ejif-6202	221	14	shall	shall	AUX
ejif-6202	221	15	be	be	AUX
ejif-6202	221	16	independent	independent	ADJ
ejif-6202	221	17	for	for	ADP
ejif-6202	221	18	women	woman	NOUN
ejif-6202	221	19	whether	whether	SCONJ
ejif-6202	221	20	they	they	PRON
ejif-6202	221	21	operate	operate	VERB
ejif-6202	221	22	a	a	DET
ejif-6202	221	23	business	business	NOUN
ejif-6202	221	24	or	or	CCONJ
ejif-6202	221	25	not	not	PART
ejif-6202	221	26	.	.	PUNCT
ejif-6202	222	1	this	this	DET
ejif-6202	222	2	hypothesis	hypothesis	NOUN
ejif-6202	222	3	could	could	AUX
ejif-6202	222	4	be	be	AUX
ejif-6202	222	5	rejected	reject	VERB
ejif-6202	222	6	,	,	PUNCT
ejif-6202	222	7	indicating	indicate	VERB
ejif-6202	222	8	our	our	PRON
ejif-6202	222	9	previous	previous	ADJ
ejif-6202	222	10	results	result	NOUN
ejif-6202	222	11	.	.	PUNCT
ejif-6202	223	1	finally	finally	ADV
ejif-6202	223	2	,	,	PUNCT
ejif-6202	223	3	we	we	PRON
ejif-6202	223	4	evaluated	evaluate	VERB
ejif-6202	223	5	whether	whether	SCONJ
ejif-6202	223	6	the	the	DET
ejif-6202	223	7	attendance	attendance	NOUN
ejif-6202	223	8	of	of	ADP
ejif-6202	223	9	an	an	DET
ejif-6202	223	10	islamic	islamic	ADJ
ejif-6202	223	11	school	school	NOUN
ejif-6202	223	12	affects	affect	VERB
ejif-6202	223	13	the	the	DET
ejif-6202	223	14	income	income	NOUN
ejif-6202	223	15	level	level	NOUN
ejif-6202	223	16	.	.	PUNCT
ejif-6202	224	1	the	the	DET
ejif-6202	224	2	null	null	ADJ
ejif-6202	224	3	hypothesis	hypothesis	NOUN
ejif-6202	224	4	is	be	AUX
ejif-6202	224	5	that	that	SCONJ
ejif-6202	224	6	there	there	PRON
ejif-6202	224	7	is	be	VERB
ejif-6202	224	8	a	a	DET
ejif-6202	224	9	difference	difference	NOUN
ejif-6202	224	10	in	in	ADP
ejif-6202	224	11	income	income	NOUN
ejif-6202	224	12	level	level	NOUN
ejif-6202	224	13	between	between	ADP
ejif-6202	224	14	those	those	PRON
ejif-6202	224	15	who	who	PRON
ejif-6202	224	16	attended	attend	VERB
ejif-6202	224	17	and	and	CCONJ
ejif-6202	224	18	those	those	PRON
ejif-6202	224	19	who	who	PRON
ejif-6202	224	20	did	do	AUX
ejif-6202	224	21	not	not	PART
ejif-6202	224	22	participate	participate	VERB
ejif-6202	224	23	in	in	ADP
ejif-6202	224	24	.	.	PUNCT
ejif-6202	225	1	the	the	DET
ejif-6202	225	2	idea	idea	NOUN
ejif-6202	225	3	was	be	AUX
ejif-6202	225	4	rejected	reject	VERB
ejif-6202	225	5	,	,	PUNCT
ejif-6202	225	6	implying	imply	VERB
ejif-6202	225	7	that	that	SCONJ
ejif-6202	225	8	there	there	PRON
ejif-6202	225	9	is	be	VERB
ejif-6202	225	10	no	no	DET
ejif-6202	225	11	difference	difference	NOUN
ejif-6202	225	12	.	.	PUNCT
ejif-6202	226	1	d.	d.	PROPN
ejif-6202	226	2	ai	ai	PROPN
ejif-6202	226	3	-	-	PUNCT
ejif-6202	226	4	driven	drive	VERB
ejif-6202	226	5	loan	loan	NOUN
ejif-6202	226	6	application	application	NOUN
ejif-6202	226	7	model	model	NOUN
ejif-6202	226	8	having	having	AUX
ejif-6202	226	9	analysed	analyse	VERB
ejif-6202	226	10	the	the	DET
ejif-6202	226	11	data	datum	NOUN
ejif-6202	226	12	and	and	CCONJ
ejif-6202	226	13	its	its	PRON
ejif-6202	226	14	validity	validity	NOUN
ejif-6202	226	15	,	,	PUNCT
ejif-6202	226	16	we	we	PRON
ejif-6202	226	17	then	then	ADV
ejif-6202	226	18	aimed	aim	VERB
ejif-6202	226	19	to	to	PART
ejif-6202	226	20	develop	develop	VERB
ejif-6202	226	21	an	an	DET
ejif-6202	226	22	islamic	islamic	ADJ
ejif-6202	226	23	ai	ai	VERB
ejif-6202	226	24	-	-	PUNCT
ejif-6202	226	25	driven	drive	VERB
ejif-6202	226	26	risk	risk	NOUN
ejif-6202	226	27	model	model	NOUN
ejif-6202	226	28	to	to	PART
ejif-6202	226	29	determine	determine	VERB
ejif-6202	226	30	whether	whether	SCONJ
ejif-6202	226	31	an	an	DET
ejif-6202	226	32	individual	individual	NOUN
ejif-6202	226	33	qualifies	qualify	VERB
ejif-6202	226	34	for	for	ADP
ejif-6202	226	35	an	an	DET
ejif-6202	226	36	islamic	islamic	ADJ
ejif-6202	226	37	microfinancing	microfinancing	NOUN
ejif-6202	226	38	loan	loan	NOUN
ejif-6202	226	39	.	.	PUNCT
ejif-6202	227	1	in	in	ADP
ejif-6202	227	2	addition	addition	NOUN
ejif-6202	227	3	,	,	PUNCT
ejif-6202	227	4	the	the	DET
ejif-6202	227	5	model	model	NOUN
ejif-6202	227	6	utilises	utilise	VERB
ejif-6202	227	7	a	a	DET
ejif-6202	227	8	risk	risk	NOUN
ejif-6202	227	9	rating	rating	NOUN
ejif-6202	227	10	approach	approach	NOUN
ejif-6202	227	11	driven	drive	VERB
ejif-6202	227	12	by	by	ADP
ejif-6202	227	13	deep	deep	ADJ
ejif-6202	227	14	learning	learning	NOUN
ejif-6202	227	15	to	to	PART
ejif-6202	227	16	indicate	indicate	VERB
ejif-6202	227	17	a	a	DET
ejif-6202	227	18	maximum	maximum	ADJ
ejif-6202	227	19	loan	loan	NOUN
ejif-6202	227	20	amount	amount	NOUN
ejif-6202	227	21	.	.	PUNCT
ejif-6202	228	1	that	that	DET
ejif-6202	228	2	maximum	maximum	ADJ
ejif-6202	228	3	corresponds	correspond	VERB
ejif-6202	228	4	to	to	ADP
ejif-6202	228	5	a	a	DET
ejif-6202	228	6	high	high	ADJ
ejif-6202	228	7	probability	probability	NOUN
ejif-6202	228	8	of	of	ADP
ejif-6202	228	9	repayment	repayment	NOUN
ejif-6202	228	10	.	.	PUNCT
ejif-6202	229	1	to	to	PART
ejif-6202	229	2	evaluate	evaluate	VERB
ejif-6202	229	3	the	the	DET
ejif-6202	229	4	performance	performance	NOUN
ejif-6202	229	5	of	of	ADP
ejif-6202	229	6	the	the	DET
ejif-6202	229	7	framework	framework	NOUN
ejif-6202	229	8	for	for	ADP
ejif-6202	229	9	the	the	DET
ejif-6202	229	10	loan	loan	NOUN
ejif-6202	229	11	qualification	qualification	NOUN
ejif-6202	229	12	of	of	ADP
ejif-6202	229	13	individuals	individual	NOUN
ejif-6202	229	14	,	,	PUNCT
ejif-6202	229	15	we	we	PRON
ejif-6202	229	16	performed	perform	VERB
ejif-6202	229	17	a	a	DET
ejif-6202	229	18	confusion	confusion	NOUN
ejif-6202	229	19	matrix	matrix	NOUN
ejif-6202	229	20	comparison	comparison	NOUN
ejif-6202	229	21	.	.	PUNCT
ejif-6202	230	1	the	the	DET
ejif-6202	230	2	framework	framework	NOUN
ejif-6202	230	3	performs	perform	VERB
ejif-6202	230	4	on	on	ADP
ejif-6202	230	5	the	the	DET
ejif-6202	230	6	training	training	NOUN
ejif-6202	230	7	and	and	CCONJ
ejif-6202	230	8	testing	testing	NOUN
ejif-6202	230	9	dataset	dataset	VERB
ejif-6202	230	10	well	well	ADV
ejif-6202	230	11	,	,	PUNCT
ejif-6202	230	12	achieving	achieve	VERB
ejif-6202	230	13	perfect	perfect	ADJ
ejif-6202	230	14	accuracy	accuracy	NOUN
ejif-6202	230	15	scores	score	NOUN
ejif-6202	230	16	(	(	PUNCT
ejif-6202	230	17	figure	figure	NOUN
ejif-6202	230	18	6	6	NUM
ejif-6202	230	19	)	)	PUNCT
ejif-6202	230	20	.	.	PUNCT
ejif-6202	231	1	this	this	DET
ejif-6202	231	2	strong	strong	ADJ
ejif-6202	231	3	estimation	estimation	NOUN
ejif-6202	231	4	performance	performance	NOUN
ejif-6202	231	5	is	be	AUX
ejif-6202	231	6	due	due	ADJ
ejif-6202	231	7	to	to	ADP
ejif-6202	231	8	a	a	DET
ejif-6202	231	9	variety	variety	NOUN
ejif-6202	231	10	of	of	ADP
ejif-6202	231	11	reasons	reason	NOUN
ejif-6202	231	12	.	.	PUNCT
ejif-6202	232	1	first	first	ADV
ejif-6202	232	2	,	,	PUNCT
ejif-6202	232	3	there	there	PRON
ejif-6202	232	4	is	be	VERB
ejif-6202	232	5	a	a	DET
ejif-6202	232	6	strong	strong	ADJ
ejif-6202	232	7	correlation	correlation	NOUN
ejif-6202	232	8	between	between	ADP
ejif-6202	232	9	the	the	DET
ejif-6202	232	10	monthly	monthly	ADJ
ejif-6202	232	11	income	income	NOUN
ejif-6202	232	12	and	and	CCONJ
ejif-6202	232	13	collateral	collateral	ADJ
ejif-6202	232	14	value	value	NOUN
ejif-6202	232	15	in	in	ADP
ejif-6202	232	16	determining	determine	VERB
ejif-6202	232	17	an	an	DET
ejif-6202	232	18	individual	individual	NOUN
ejif-6202	232	19	's	's	PART
ejif-6202	232	20	qualification	qualification	NOUN
ejif-6202	232	21	for	for	ADP
ejif-6202	232	22	a	a	DET
ejif-6202	232	23	loan	loan	NOUN
ejif-6202	232	24	.	.	PUNCT
ejif-6202	233	1	higher	high	ADJ
ejif-6202	233	2	-	-	PUNCT
ejif-6202	233	3	income	income	NOUN
ejif-6202	233	4	individuals	individual	NOUN
ejif-6202	233	5	with	with	ADP
ejif-6202	233	6	sufficient	sufficient	ADJ
ejif-6202	233	7	collateral	collateral	NOUN
ejif-6202	233	8	easily	easily	ADV
ejif-6202	233	9	qualify	qualify	VERB
ejif-6202	233	10	for	for	ADP
ejif-6202	233	11	an	an	DET
ejif-6202	233	12	islamic	islamic	ADJ
ejif-6202	233	13	microfinance	microfinance	NOUN
ejif-6202	233	14	loan	loan	NOUN
ejif-6202	233	15	due	due	ADP
ejif-6202	233	16	to	to	ADP
ejif-6202	233	17	the	the	DET
ejif-6202	233	18	increased	increase	VERB
ejif-6202	233	19	probability	probability	NOUN
ejif-6202	233	20	of	of	ADP
ejif-6202	233	21	repayment	repayment	NOUN
ejif-6202	233	22	.	.	PUNCT
ejif-6202	234	1	furthermore	furthermore	ADV
ejif-6202	234	2	,	,	PUNCT
ejif-6202	234	3	the	the	DET
ejif-6202	234	4	criminality	criminality	NOUN
ejif-6202	234	5	score	score	NOUN
ejif-6202	234	6	of	of	ADP
ejif-6202	234	7	the	the	DET
ejif-6202	234	8	individual	individual	NOUN
ejif-6202	234	9	may	may	AUX
ejif-6202	234	10	also	also	ADV
ejif-6202	234	11	impact	impact	VERB
ejif-6202	234	12	the	the	DET
ejif-6202	234	13	estimates	estimate	NOUN
ejif-6202	234	14	significantly	significantly	ADV
ejif-6202	234	15	.	.	PUNCT
ejif-6202	235	1	figure	figure	VERB
ejif-6202	235	2	6	6	NUM
ejif-6202	235	3	:	:	PUNCT
ejif-6202	235	4	confusion	confusion	NOUN
ejif-6202	235	5	matrix	matrix	NOUN
ejif-6202	235	6	plot	plot	NOUN
ejif-6202	235	7	for	for	ADP
ejif-6202	235	8	the	the	DET
ejif-6202	235	9	qualification	qualification	NOUN
ejif-6202	235	10	of	of	ADP
ejif-6202	235	11	individuals	individual	NOUN
ejif-6202	235	12	for	for	ADP
ejif-6202	235	13	an	an	DET
ejif-6202	235	14	islamic	islamic	ADJ
ejif-6202	235	15	microfinance	microfinance	NOUN
ejif-6202	235	16	loan	loan	NOUN
ejif-6202	235	17	.	.	PUNCT
ejif-6202	236	1	to	to	PART
ejif-6202	236	2	evaluate	evaluate	VERB
ejif-6202	236	3	which	which	DET
ejif-6202	236	4	features	feature	VERB
ejif-6202	236	5	have	have	VERB
ejif-6202	236	6	the	the	DET
ejif-6202	236	7	most	most	ADV
ejif-6202	236	8	substantial	substantial	ADJ
ejif-6202	236	9	impact	impact	NOUN
ejif-6202	236	10	on	on	ADP
ejif-6202	236	11	the	the	DET
ejif-6202	236	12	estimation	estimation	NOUN
ejif-6202	236	13	,	,	PUNCT
ejif-6202	236	14	we	we	PRON
ejif-6202	236	15	determined	determine	VERB
ejif-6202	236	16	the	the	DET
ejif-6202	236	17	feature	feature	NOUN
ejif-6202	236	18	importance	importance	NOUN
ejif-6202	236	19	based	base	VERB
ejif-6202	236	20	on	on	ADP
ejif-6202	236	21	:	:	PUNCT
ejif-6202	236	22	1	1	X
ejif-6202	236	23	)	)	PUNCT
ejif-6202	236	24	the	the	DET
ejif-6202	236	25	mean	mean	ADJ
ejif-6202	236	26	decrease	decrease	NOUN
ejif-6202	236	27	in	in	ADP
ejif-6202	236	28	impurity	impurity	NOUN
ejif-6202	236	29	and	and	CCONJ
ejif-6202	236	30	2	2	NUM
ejif-6202	236	31	)	)	PUNCT
ejif-6202	236	32	feature	feature	NOUN
ejif-6202	236	33	permutation	permutation	NOUN
ejif-6202	236	34	.	.	PUNCT
ejif-6202	237	1	the	the	DET
ejif-6202	237	2	former	former	ADJ
ejif-6202	237	3	calculates	calculate	VERB
ejif-6202	237	4	the	the	DET
ejif-6202	237	5	mean	mean	ADJ
ejif-6202	237	6	and	and	CCONJ
ejif-6202	237	7	standard	standard	ADJ
ejif-6202	237	8	deviation	deviation	NOUN
ejif-6202	237	9	of	of	ADP
ejif-6202	237	10	the	the	DET
ejif-6202	237	11	accumulation	accumulation	NOUN
ejif-6202	237	12	of	of	ADP
ejif-6202	237	13	the	the	DET
ejif-6202	237	14	impurity	impurity	NOUN
ejif-6202	237	15	decrease	decrease	NOUN
ejif-6202	237	16	within	within	ADP
ejif-6202	237	17	each	each	DET
ejif-6202	237	18	tree	tree	NOUN
ejif-6202	237	19	.	.	PUNCT
ejif-6202	238	1	then	then	ADV
ejif-6202	238	2	,	,	PUNCT
ejif-6202	238	3	the	the	DET
ejif-6202	238	4	mean	mean	NOUN
ejif-6202	238	5	and	and	CCONJ
ejif-6202	238	6	the	the	DET
ejif-6202	238	7	standard	standard	ADJ
ejif-6202	238	8	deviation	deviation	NOUN
ejif-6202	238	9	are	be	AUX
ejif-6202	238	10	used	use	VERB
ejif-6202	238	11	to	to	PART
ejif-6202	238	12	measure	measure	VERB
ejif-6202	238	13	the	the	DET
ejif-6202	238	14	impact	impact	NOUN
ejif-6202	238	15	.	.	PUNCT
ejif-6202	239	1	for	for	ADP
ejif-6202	239	2	the	the	DET
ejif-6202	239	3	latter	latter	ADJ
ejif-6202	239	4	,	,	PUNCT
ejif-6202	239	5	the	the	DET
ejif-6202	239	6	features	feature	NOUN
ejif-6202	239	7	are	be	AUX
ejif-6202	239	8	computed	compute	VERB
ejif-6202	239	9	based	base	VERB
ejif-6202	239	10	on	on	ADP
ejif-6202	239	11	a	a	DET
ejif-6202	239	12	leftout	leftout	NOUN
ejif-6202	239	13	test	test	NOUN
ejif-6202	239	14	set	set	VERB
ejif-6202	239	15	.	.	PUNCT
ejif-6202	240	1	their	their	PRON
ejif-6202	240	2	advantage	advantage	NOUN
ejif-6202	240	3	is	be	AUX
ejif-6202	240	4	that	that	SCONJ
ejif-6202	240	5	they	they	PRON
ejif-6202	240	6	are	be	AUX
ejif-6202	240	7	less	less	ADV
ejif-6202	240	8	susceptible	susceptible	ADJ
ejif-6202	240	9	to	to	ADP
ejif-6202	240	10	a	a	DET
ejif-6202	240	11	bias	bias	NOUN
ejif-6202	240	12	towards	towards	ADP
ejif-6202	240	13	high	high	ADJ
ejif-6202	240	14	cardinality	cardinality	NOUN
ejif-6202	240	15	features	feature	NOUN
ejif-6202	240	16	.	.	PUNCT
ejif-6202	241	1	to	to	PART
ejif-6202	241	2	ensure	ensure	VERB
ejif-6202	241	3	robust	robust	ADJ
ejif-6202	241	4	calculation	calculation	NOUN
ejif-6202	241	5	of	of	ADP
ejif-6202	241	6	the	the	DET
ejif-6202	241	7	feature	feature	NOUN
ejif-6202	241	8	importance	importance	NOUN
ejif-6202	241	9	,	,	PUNCT
ejif-6202	241	10	we	we	PRON
ejif-6202	241	11	compared	compare	VERB
ejif-6202	241	12	the	the	DET
ejif-6202	241	13	results	result	NOUN
ejif-6202	241	14	for	for	ADP
ejif-6202	241	15	both	both	CCONJ
ejif-6202	241	16	versions	version	NOUN
ejif-6202	241	17	and	and	CCONJ
ejif-6202	241	18	displayed	display	VERB
ejif-6202	241	19	the	the	DET
ejif-6202	241	20	results	result	NOUN
ejif-6202	241	21	in	in	ADP
ejif-6202	241	22	figure	figure	NOUN
ejif-6202	241	23	7	7	NUM
ejif-6202	241	24	.	.	PUNCT
ejif-6202	242	1	the	the	DET
ejif-6202	242	2	results	result	NOUN
ejif-6202	242	3	indicate	indicate	VERB
ejif-6202	242	4	that	that	SCONJ
ejif-6202	242	5	the	the	DET
ejif-6202	242	6	number	number	NOUN
ejif-6202	242	7	of	of	ADP
ejif-6202	242	8	crimes	crime	NOUN
ejif-6202	242	9	and	and	CCONJ
ejif-6202	242	10	european	european	ADJ
ejif-6202	242	11	journal	journal	PROPN
ejif-6202	242	12	of	of	ADP
ejif-6202	242	13	islamic	islamic	PROPN
ejif-6202	242	14	finance	finance	PROPN
ejif-6202	242	15	issn	issn	PROPN
ejif-6202	242	16	:	:	PUNCT
ejif-6202	242	17	2421	2421	NUM
ejif-6202	242	18	-	-	SYM
ejif-6202	242	19	2172	2172	NUM
ejif-6202	242	20	doi	doi	NOUN
ejif-6202	242	21	:	:	PUNCT
ejif-6202	242	22	10.13135/2421	10.13135/2421	NUM
ejif-6202	242	23	-	-	PUNCT
ejif-6202	242	24	2172/6202published	2172/6202publishe	VERB
ejif-6202	242	25	by	by	ADP
ejif-6202	242	26	the	the	DET
ejif-6202	242	27	university	university	PROPN
ejif-6202	242	28	of	of	ADP
ejif-6202	242	29	turin	turin	PROPN
ejif-6202	243	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	243	2	ejif	ejif	PROPN
ejif-6202	243	3	content	content	NOUN
ejif-6202	243	4	is	be	AUX
ejif-6202	243	5	licensed	license	VERB
ejif-6202	243	6	under	under	ADP
ejif-6202	243	7	a	a	DET
ejif-6202	243	8	creative	creative	ADJ
ejif-6202	243	9	commons	common	NOUN
ejif-6202	243	10	attribution	attribution	NOUN
ejif-6202	243	11	4.0	4.0	NUM
ejif-6202	243	12	international	international	ADJ
ejif-6202	243	13	license	license	NOUN
ejif-6202	243	14	received	receive	VERB
ejif-6202	243	15	:	:	PUNCT
ejif-6202	243	16	11/08/2021	11/08/2021	NUM
ejif-6202	243	17	accepted	accept	VERB
ejif-6202	243	18	for	for	ADP
ejif-6202	243	19	publication	publication	NOUN
ejif-6202	243	20	:	:	PUNCT
ejif-6202	243	21	20/07/2022	20/07/2022	NUM
ejif-6202	243	22	published	publish	VERB
ejif-6202	243	23	:	:	PUNCT
ejif-6202	243	24	29/07/2022	29/07/2022	NUM
ejif-6202	243	25	41	41	NUM
ejif-6202	244	1	whether	whether	SCONJ
ejif-6202	244	2	a	a	DET
ejif-6202	244	3	crime	crime	NOUN
ejif-6202	244	4	was	be	AUX
ejif-6202	244	5	committed	commit	VERB
ejif-6202	244	6	are	be	AUX
ejif-6202	244	7	the	the	DET
ejif-6202	244	8	essential	essential	ADJ
ejif-6202	244	9	features	feature	NOUN
ejif-6202	244	10	determining	determine	VERB
ejif-6202	244	11	whether	whether	SCONJ
ejif-6202	244	12	someone	someone	PRON
ejif-6202	244	13	qualifies	qualify	VERB
ejif-6202	244	14	for	for	ADP
ejif-6202	244	15	a	a	DET
ejif-6202	244	16	loan	loan	NOUN
ejif-6202	244	17	in	in	ADP
ejif-6202	244	18	addition	addition	NOUN
ejif-6202	244	19	to	to	ADP
ejif-6202	244	20	their	their	PRON
ejif-6202	244	21	islamic	islamic	ADJ
ejif-6202	244	22	credentials	credential	NOUN
ejif-6202	244	23	,	,	PUNCT
ejif-6202	244	24	such	such	ADJ
ejif-6202	244	25	as	as	ADP
ejif-6202	244	26	the	the	DET
ejif-6202	244	27	amount	amount	NOUN
ejif-6202	244	28	of	of	ADP
ejif-6202	244	29	zakat	zakat	NOUN
ejif-6202	244	30	they	they	PRON
ejif-6202	244	31	pay	pay	VERB
ejif-6202	244	32	per	per	ADP
ejif-6202	244	33	year	year	NOUN
ejif-6202	244	34	.	.	PUNCT
ejif-6202	245	1	the	the	DET
ejif-6202	245	2	amount	amount	NOUN
ejif-6202	245	3	of	of	ADP
ejif-6202	245	4	zakat	zakat	NOUN
ejif-6202	245	5	plays	play	VERB
ejif-6202	245	6	a	a	DET
ejif-6202	245	7	critical	critical	ADJ
ejif-6202	245	8	role	role	NOUN
ejif-6202	245	9	as	as	SCONJ
ejif-6202	245	10	it	it	PRON
ejif-6202	245	11	is	be	AUX
ejif-6202	245	12	an	an	DET
ejif-6202	245	13	implicit	implicit	ADJ
ejif-6202	245	14	factor	factor	NOUN
ejif-6202	245	15	correlated	correlate	VERB
ejif-6202	245	16	to	to	ADP
ejif-6202	245	17	honesty	honesty	NOUN
ejif-6202	245	18	and	and	CCONJ
ejif-6202	245	19	commitment	commitment	NOUN
ejif-6202	245	20	to	to	ADP
ejif-6202	245	21	the	the	DET
ejif-6202	245	22	well	well	ADV
ejif-6202	245	23	-	-	PUNCT
ejif-6202	245	24	being	being	NOUN
ejif-6202	245	25	of	of	ADP
ejif-6202	245	26	others	other	NOUN
ejif-6202	245	27	.	.	PUNCT
ejif-6202	246	1	following	follow	VERB
ejif-6202	246	2	religious	religious	ADJ
ejif-6202	246	3	prescriptions	prescription	NOUN
ejif-6202	246	4	and	and	CCONJ
ejif-6202	246	5	being	be	AUX
ejif-6202	246	6	a	a	DET
ejif-6202	246	7	law	law	NOUN
ejif-6202	246	8	-	-	PUNCT
ejif-6202	246	9	abiding	abide	VERB
ejif-6202	246	10	citizen	citizen	NOUN
ejif-6202	246	11	fits	fit	VERB
ejif-6202	246	12	well	well	ADV
ejif-6202	246	13	with	with	ADP
ejif-6202	246	14	the	the	DET
ejif-6202	246	15	objectives	objective	NOUN
ejif-6202	246	16	of	of	ADP
ejif-6202	246	17	islamic	islamic	ADJ
ejif-6202	246	18	finance	finance	NOUN
ejif-6202	246	19	.	.	PUNCT
ejif-6202	247	1	this	this	PRON
ejif-6202	247	2	would	would	AUX
ejif-6202	247	3	contrast	contrast	VERB
ejif-6202	247	4	with	with	ADP
ejif-6202	247	5	conventional	conventional	ADJ
ejif-6202	247	6	risk	risk	NOUN
ejif-6202	247	7	management	management	NOUN
ejif-6202	247	8	models	model	NOUN
ejif-6202	247	9	that	that	PRON
ejif-6202	247	10	primarily	primarily	ADV
ejif-6202	247	11	focus	focus	VERB
ejif-6202	247	12	on	on	ADP
ejif-6202	247	13	income	income	NOUN
ejif-6202	247	14	levels	level	NOUN
ejif-6202	247	15	to	to	PART
ejif-6202	247	16	assess	assess	VERB
ejif-6202	247	17	the	the	DET
ejif-6202	247	18	qualification	qualification	NOUN
ejif-6202	247	19	for	for	ADP
ejif-6202	247	20	a	a	DET
ejif-6202	247	21	loan	loan	NOUN
ejif-6202	247	22	.	.	PUNCT
ejif-6202	248	1	the	the	DET
ejif-6202	248	2	amount	amount	NOUN
ejif-6202	248	3	zakat	zakat	NOUN
ejif-6202	248	4	paid	pay	VERB
ejif-6202	248	5	is	be	AUX
ejif-6202	248	6	a	a	DET
ejif-6202	248	7	handy	handy	ADJ
ejif-6202	248	8	parameter	parameter	NOUN
ejif-6202	248	9	as	as	ADP
ejif-6202	248	10	more	more	ADV
ejif-6202	248	11	significant	significant	ADJ
ejif-6202	248	12	amounts	amount	NOUN
ejif-6202	248	13	of	of	ADP
ejif-6202	248	14	zakat	zakat	NOUN
ejif-6202	248	15	paid	pay	VERB
ejif-6202	248	16	also	also	ADV
ejif-6202	248	17	implies	imply	VERB
ejif-6202	248	18	that	that	SCONJ
ejif-6202	248	19	the	the	DET
ejif-6202	248	20	individual	individual	NOUN
ejif-6202	248	21	aims	aim	VERB
ejif-6202	248	22	to	to	PART
ejif-6202	248	23	benefit	benefit	VERB
ejif-6202	248	24	society	society	NOUN
ejif-6202	248	25	to	to	PART
ejif-6202	248	26	support	support	VERB
ejif-6202	248	27	those	those	DET
ejif-6202	248	28	less	less	ADV
ejif-6202	248	29	well	well	ADV
ejif-6202	248	30	-	-	PUNCT
ejif-6202	248	31	off	off	NOUN
ejif-6202	248	32	.	.	PUNCT
ejif-6202	249	1	figure	figure	VERB
ejif-6202	249	2	7	7	NUM
ejif-6202	249	3	:	:	PUNCT
ejif-6202	249	4	feature	feature	VERB
ejif-6202	249	5	importance	importance	NOUN
ejif-6202	249	6	for	for	ADP
ejif-6202	249	7	both	both	DET
ejif-6202	249	8	mean	mean	ADJ
ejif-6202	249	9	decrease	decrease	NOUN
ejif-6202	249	10	in	in	ADP
ejif-6202	249	11	impurity	impurity	NOUN
ejif-6202	249	12	and	and	CCONJ
ejif-6202	249	13	feature	feature	NOUN
ejif-6202	249	14	permutation	permutation	NOUN
ejif-6202	249	15	for	for	ADP
ejif-6202	249	16	the	the	DET
ejif-6202	249	17	qualification	qualification	NOUN
ejif-6202	249	18	of	of	ADP
ejif-6202	249	19	individuals	individual	NOUN
ejif-6202	249	20	for	for	ADP
ejif-6202	249	21	an	an	DET
ejif-6202	249	22	islamic	islamic	ADJ
ejif-6202	249	23	microfinance	microfinance	NOUN
ejif-6202	249	24	loan	loan	NOUN
ejif-6202	249	25	.	.	PUNCT
ejif-6202	250	1	once	once	ADV
ejif-6202	250	2	completing	complete	VERB
ejif-6202	250	3	the	the	DET
ejif-6202	250	4	loan	loan	NOUN
ejif-6202	250	5	qualification	qualification	NOUN
ejif-6202	250	6	step	step	NOUN
ejif-6202	250	7	,	,	PUNCT
ejif-6202	250	8	we	we	PRON
ejif-6202	250	9	turned	turn	VERB
ejif-6202	250	10	to	to	ADP
ejif-6202	250	11	the	the	DET
ejif-6202	250	12	evaluation	evaluation	NOUN
ejif-6202	250	13	of	of	ADP
ejif-6202	250	14	the	the	DET
ejif-6202	250	15	credit	credit	NOUN
ejif-6202	250	16	default	default	NOUN
ejif-6202	250	17	risk	risk	NOUN
ejif-6202	250	18	of	of	ADP
ejif-6202	250	19	the	the	DET
ejif-6202	250	20	applicant	applicant	NOUN
ejif-6202	250	21	.	.	PUNCT
ejif-6202	251	1	we	we	PRON
ejif-6202	251	2	created	create	VERB
ejif-6202	251	3	five	five	NUM
ejif-6202	251	4	risk	risk	NOUN
ejif-6202	251	5	categories	category	NOUN
ejif-6202	251	6	,	,	PUNCT
ejif-6202	251	7	from	from	ADP
ejif-6202	251	8	shallow	shallow	ADJ
ejif-6202	251	9	risk	risk	NOUN
ejif-6202	251	10	(	(	PUNCT
ejif-6202	251	11	a	a	X
ejif-6202	251	12	)	)	PUNCT
ejif-6202	251	13	to	to	ADP
ejif-6202	251	14	severe	severe	ADJ
ejif-6202	251	15	(	(	PUNCT
ejif-6202	251	16	e	e	NOUN
ejif-6202	251	17	)	)	PUNCT
ejif-6202	251	18	.	.	PUNCT
ejif-6202	252	1	figure	figure	VERB
ejif-6202	252	2	8	8	NUM
ejif-6202	252	3	the	the	DET
ejif-6202	252	4	confusion	confusion	NOUN
ejif-6202	252	5	matrix	matrix	NOUN
ejif-6202	252	6	for	for	ADP
ejif-6202	252	7	both	both	CCONJ
ejif-6202	252	8	the	the	DET
ejif-6202	252	9	training	training	NOUN
ejif-6202	252	10	and	and	CCONJ
ejif-6202	252	11	testing	testing	NOUN
ejif-6202	252	12	dataset	dataset	NOUN
ejif-6202	252	13	.	.	PUNCT
ejif-6202	253	1	the	the	DET
ejif-6202	253	2	credit	credit	NOUN
ejif-6202	253	3	default	default	NOUN
ejif-6202	253	4	risks	risk	NOUN
ejif-6202	253	5	are	be	AUX
ejif-6202	253	6	consistent	consistent	ADJ
ejif-6202	253	7	with	with	ADP
ejif-6202	253	8	a	a	DET
ejif-6202	253	9	high	high	ADJ
ejif-6202	253	10	classification	classification	NOUN
ejif-6202	253	11	score	score	NOUN
ejif-6202	253	12	for	for	ADP
ejif-6202	253	13	both	both	CCONJ
ejif-6202	253	14	the	the	DET
ejif-6202	253	15	training	training	NOUN
ejif-6202	253	16	and	and	CCONJ
ejif-6202	253	17	testing	testing	NOUN
ejif-6202	253	18	dataset	dataset	NOUN
ejif-6202	253	19	.	.	PUNCT
ejif-6202	254	1	figure	figure	VERB
ejif-6202	254	2	8	8	NUM
ejif-6202	254	3	:	:	PUNCT
ejif-6202	254	4	confusion	confusion	NOUN
ejif-6202	254	5	matrix	matrix	NOUN
ejif-6202	254	6	plot	plot	NOUN
ejif-6202	254	7	for	for	ADP
ejif-6202	254	8	the	the	DET
ejif-6202	254	9	credit	credit	NOUN
ejif-6202	254	10	default	default	NOUN
ejif-6202	254	11	risk	risk	NOUN
ejif-6202	254	12	of	of	ADP
ejif-6202	254	13	individuals	individual	NOUN
ejif-6202	254	14	for	for	ADP
ejif-6202	254	15	an	an	DET
ejif-6202	254	16	islamic	islamic	ADJ
ejif-6202	254	17	microfinance	microfinance	NOUN
ejif-6202	254	18	loan	loan	NOUN
ejif-6202	254	19	.	.	PUNCT
ejif-6202	255	1	to	to	PART
ejif-6202	255	2	evaluate	evaluate	VERB
ejif-6202	255	3	the	the	DET
ejif-6202	255	4	feature	feature	NOUN
ejif-6202	255	5	importance	importance	NOUN
ejif-6202	255	6	impact	impact	NOUN
ejif-6202	255	7	on	on	ADP
ejif-6202	255	8	the	the	DET
ejif-6202	255	9	various	various	ADJ
ejif-6202	255	10	risk	risk	NOUN
ejif-6202	255	11	categories	category	NOUN
ejif-6202	255	12	(	(	PUNCT
ejif-6202	255	13	figure	figure	NOUN
ejif-6202	255	14	9	9	NUM
ejif-6202	255	15	)	)	PUNCT
ejif-6202	255	16	,	,	PUNCT
ejif-6202	255	17	we	we	PRON
ejif-6202	255	18	can	can	AUX
ejif-6202	255	19	observe	observe	VERB
ejif-6202	255	20	that	that	SCONJ
ejif-6202	255	21	the	the	DET
ejif-6202	255	22	value	value	NOUN
ejif-6202	255	23	of	of	ADP
ejif-6202	255	24	zakat	zakat	NOUN
ejif-6202	255	25	is	be	AUX
ejif-6202	255	26	the	the	DET
ejif-6202	255	27	most	most	ADV
ejif-6202	255	28	important	important	ADJ
ejif-6202	255	29	before	before	ADP
ejif-6202	255	30	the	the	DET
ejif-6202	255	31	value	value	NOUN
ejif-6202	255	32	of	of	ADP
ejif-6202	255	33	the	the	DET
ejif-6202	255	34	collateral	collateral	NOUN
ejif-6202	255	35	.	.	PUNCT
ejif-6202	256	1	these	these	DET
ejif-6202	256	2	islamic	islamic	ADJ
ejif-6202	256	3	results	result	NOUN
ejif-6202	256	4	are	be	AUX
ejif-6202	256	5	aligned	align	VERB
ejif-6202	256	6	with	with	ADP
ejif-6202	256	7	conventional	conventional	ADJ
ejif-6202	256	8	microfinance	microfinance	NOUN
ejif-6202	256	9	data	datum	NOUN
ejif-6202	256	10	that	that	PRON
ejif-6202	256	11	utilise	utilise	VERB
ejif-6202	256	12	islamic	islamic	ADJ
ejif-6202	256	13	values	value	NOUN
ejif-6202	256	14	and	and	CCONJ
ejif-6202	256	15	contribution	contribution	NOUN
ejif-6202	256	16	to	to	ADP
ejif-6202	256	17	society	society	NOUN
ejif-6202	256	18	as	as	ADP
ejif-6202	256	19	a	a	DET
ejif-6202	256	20	critical	critical	ADJ
ejif-6202	256	21	parameter	parameter	NOUN
ejif-6202	256	22	for	for	ADP
ejif-6202	256	23	evaluating	evaluate	VERB
ejif-6202	256	24	creditworthiness	creditworthiness	NOUN
ejif-6202	256	25	and	and	CCONJ
ejif-6202	256	26	risk	risk	NOUN
ejif-6202	256	27	.	.	PUNCT
ejif-6202	257	1	mdi	mdi	PROPN
ejif-6202	257	2	feature	feature	NOUN
ejif-6202	257	3	permutation	permutation	NOUN
ejif-6202	257	4	figure	figure	NOUN
ejif-6202	257	5	9	9	NUM
ejif-6202	257	6	:	:	PUNCT
ejif-6202	257	7	feature	feature	VERB
ejif-6202	257	8	importance	importance	NOUN
ejif-6202	257	9	for	for	ADP
ejif-6202	257	10	both	both	DET
ejif-6202	257	11	mean	mean	ADJ
ejif-6202	257	12	decrease	decrease	NOUN
ejif-6202	257	13	in	in	ADP
ejif-6202	257	14	impurity	impurity	NOUN
ejif-6202	257	15	and	and	CCONJ
ejif-6202	257	16	feature	feature	NOUN
ejif-6202	257	17	permutation	permutation	NOUN
ejif-6202	257	18	for	for	ADP
ejif-6202	257	19	the	the	DET
ejif-6202	257	20	credit	credit	NOUN
ejif-6202	257	21	default	default	NOUN
ejif-6202	257	22	risk	risk	NOUN
ejif-6202	257	23	for	for	ADP
ejif-6202	257	24	an	an	DET
ejif-6202	257	25	islamic	islamic	ADJ
ejif-6202	257	26	microfinance	microfinance	NOUN
ejif-6202	257	27	loan	loan	NOUN
ejif-6202	257	28	.	.	PUNCT
ejif-6202	258	1	as	as	ADP
ejif-6202	258	2	a	a	DET
ejif-6202	258	3	final	final	ADJ
ejif-6202	258	4	step	step	NOUN
ejif-6202	258	5	,	,	PUNCT
ejif-6202	258	6	we	we	PRON
ejif-6202	258	7	estimate	estimate	VERB
ejif-6202	258	8	the	the	DET
ejif-6202	258	9	maximum	maximum	ADJ
ejif-6202	258	10	loan	loan	NOUN
ejif-6202	258	11	an	an	DET
ejif-6202	258	12	individual	individual	NOUN
ejif-6202	258	13	can	can	AUX
ejif-6202	258	14	support	support	VERB
ejif-6202	258	15	for	for	ADP
ejif-6202	258	16	a	a	DET
ejif-6202	258	17	low	low	ADJ
ejif-6202	258	18	level	level	NOUN
ejif-6202	258	19	of	of	ADP
ejif-6202	258	20	risk	risk	NOUN
ejif-6202	258	21	.	.	PUNCT
ejif-6202	259	1	we	we	PRON
ejif-6202	259	2	developed	develop	VERB
ejif-6202	259	3	a	a	DET
ejif-6202	259	4	random	random	ADJ
ejif-6202	259	5	forest	forest	NOUN
ejif-6202	259	6	framework	framework	NOUN
ejif-6202	259	7	to	to	PART
ejif-6202	259	8	estimate	estimate	VERB
ejif-6202	259	9	the	the	DET
ejif-6202	259	10	maximum	maximum	ADJ
ejif-6202	259	11	loan	loan	NOUN
ejif-6202	259	12	amount	amount	NOUN
ejif-6202	259	13	.	.	PUNCT
ejif-6202	260	1	the	the	DET
ejif-6202	260	2	estimation	estimation	NOUN
ejif-6202	260	3	results	result	VERB
ejif-6202	260	4	for	for	ADP
ejif-6202	260	5	the	the	DET
ejif-6202	260	6	training	training	NOUN
ejif-6202	260	7	and	and	CCONJ
ejif-6202	260	8	testing	testing	NOUN
ejif-6202	260	9	dataset	dataset	NOUN
ejif-6202	260	10	are	be	AUX
ejif-6202	260	11	presented	present	VERB
ejif-6202	260	12	in	in	ADP
ejif-6202	260	13	figure	figure	NOUN
ejif-6202	260	14	10	10	NUM
ejif-6202	260	15	.	.	PUNCT
ejif-6202	261	1	for	for	ADP
ejif-6202	261	2	the	the	DET
ejif-6202	261	3	maximum	maximum	ADJ
ejif-6202	261	4	loan	loan	NOUN
ejif-6202	261	5	amount	amount	NOUN
ejif-6202	261	6	,	,	PUNCT
ejif-6202	261	7	it	it	PRON
ejif-6202	261	8	outlines	outline	VERB
ejif-6202	261	9	the	the	DET
ejif-6202	261	10	target	target	NOUN
ejif-6202	261	11	vs	vs	ADP
ejif-6202	261	12	predicted	predict	VERB
ejif-6202	261	13	result	result	NOUN
ejif-6202	261	14	.	.	PUNCT
ejif-6202	262	1	both	both	PRON
ejif-6202	262	2	summarise	summarise	VERB
ejif-6202	262	3	strong	strong	ADJ
ejif-6202	262	4	estimation	estimation	NOUN
ejif-6202	262	5	results	result	NOUN
ejif-6202	262	6	with	with	ADP
ejif-6202	262	7	a	a	DET
ejif-6202	262	8	coefficient	coefficient	NOUN
ejif-6202	262	9	of	of	ADP
ejif-6202	262	10	determination	determination	NOUN
ejif-6202	262	11	of	of	ADP
ejif-6202	262	12	0.9	0.9	NUM
ejif-6202	262	13	and	and	CCONJ
ejif-6202	262	14	0.85	0.85	NUM
ejif-6202	262	15	,	,	PUNCT
ejif-6202	262	16	respectively	respectively	ADV
ejif-6202	262	17	.	.	PUNCT
ejif-6202	263	1	the	the	DET
ejif-6202	263	2	main	main	ADJ
ejif-6202	263	3	objective	objective	NOUN
ejif-6202	263	4	of	of	ADP
ejif-6202	263	5	the	the	DET
ejif-6202	263	6	model	model	NOUN
ejif-6202	263	7	is	be	AUX
ejif-6202	263	8	to	to	PART
ejif-6202	263	9	take	take	VERB
ejif-6202	263	10	into	into	ADP
ejif-6202	263	11	account	account	NOUN
ejif-6202	263	12	islamic	islamic	ADJ
ejif-6202	263	13	factors	factor	NOUN
ejif-6202	263	14	such	such	ADJ
ejif-6202	263	15	as	as	ADP
ejif-6202	263	16	zakat	zakat	NOUN
ejif-6202	263	17	payments	payment	NOUN
ejif-6202	263	18	and	and	CCONJ
ejif-6202	263	19	the	the	DET
ejif-6202	263	20	number	number	NOUN
ejif-6202	263	21	of	of	ADP
ejif-6202	263	22	committed	committed	ADJ
ejif-6202	263	23	crimes	crime	NOUN
ejif-6202	263	24	.	.	PUNCT
ejif-6202	264	1	while	while	SCONJ
ejif-6202	264	2	the	the	DET
ejif-6202	264	3	number	number	NOUN
ejif-6202	264	4	of	of	ADP
ejif-6202	264	5	committed	committed	ADJ
ejif-6202	264	6	crimes	crime	NOUN
ejif-6202	264	7	and	and	CCONJ
ejif-6202	264	8	the	the	DET
ejif-6202	264	9	attendance	attendance	NOUN
ejif-6202	264	10	of	of	ADP
ejif-6202	264	11	an	an	DET
ejif-6202	264	12	islamic	islamic	ADJ
ejif-6202	264	13	school	school	NOUN
ejif-6202	264	14	only	only	ADV
ejif-6202	264	15	marginally	marginally	ADV
ejif-6202	264	16	affects	affect	VERB
ejif-6202	264	17	the	the	DET
ejif-6202	264	18	maximum	maximum	ADJ
ejif-6202	264	19	overall	overall	ADJ
ejif-6202	264	20	amount	amount	NOUN
ejif-6202	264	21	,	,	PUNCT
ejif-6202	264	22	the	the	DET
ejif-6202	264	23	amount	amount	NOUN
ejif-6202	264	24	of	of	ADP
ejif-6202	264	25	zakat	zakat	NOUN
ejif-6202	264	26	paid	pay	VERB
ejif-6202	264	27	represents	represent	VERB
ejif-6202	264	28	a	a	DET
ejif-6202	264	29	key	key	ADJ
ejif-6202	264	30	parameter	parameter	NOUN
ejif-6202	264	31	in	in	ADP
ejif-6202	264	32	determining	determine	VERB
ejif-6202	264	33	the	the	DET
ejif-6202	264	34	ability	ability	NOUN
ejif-6202	264	35	to	to	PART
ejif-6202	264	36	pay	pay	VERB
ejif-6202	264	37	back	back	ADP
ejif-6202	264	38	the	the	DET
ejif-6202	264	39	funds	fund	NOUN
ejif-6202	264	40	.	.	PUNCT
ejif-6202	265	1	figure	figure	VERB
ejif-6202	265	2	10	10	NUM
ejif-6202	265	3	:	:	PUNCT
ejif-6202	265	4	regression	regression	NOUN
ejif-6202	265	5	plot	plot	NOUN
ejif-6202	265	6	for	for	ADP
ejif-6202	265	7	the	the	DET
ejif-6202	265	8	maximum	maximum	ADJ
ejif-6202	265	9	number	number	NOUN
ejif-6202	265	10	of	of	ADP
ejif-6202	265	11	individuals	individual	NOUN
ejif-6202	265	12	for	for	ADP
ejif-6202	265	13	an	an	DET
ejif-6202	265	14	islamic	islamic	ADJ
ejif-6202	265	15	microfinance	microfinance	NOUN
ejif-6202	265	16	loan	loan	NOUN
ejif-6202	265	17	.	.	PUNCT
ejif-6202	266	1	in	in	ADP
ejif-6202	266	2	summary	summary	NOUN
ejif-6202	266	3	,	,	PUNCT
ejif-6202	266	4	the	the	DET
ejif-6202	266	5	most	most	ADV
ejif-6202	266	6	important	important	ADJ
ejif-6202	266	7	parameters	parameter	NOUN
ejif-6202	266	8	to	to	ADP
ejif-6202	266	9	the	the	DET
ejif-6202	266	10	model	model	NOUN
ejif-6202	266	11	are	be	AUX
ejif-6202	266	12	the	the	DET
ejif-6202	266	13	amount	amount	NOUN
ejif-6202	266	14	of	of	ADP
ejif-6202	266	15	zakat	zakat	NOUN
ejif-6202	266	16	paid	pay	VERB
ejif-6202	266	17	,	,	PUNCT
ejif-6202	266	18	number	number	NOUN
ejif-6202	266	19	of	of	ADP
ejif-6202	266	20	committed	committed	ADJ
ejif-6202	266	21	crimes	crime	NOUN
ejif-6202	266	22	and	and	CCONJ
ejif-6202	266	23	the	the	DET
ejif-6202	266	24	value	value	NOUN
ejif-6202	266	25	of	of	ADP
ejif-6202	266	26	collateral	collateral	NOUN
ejif-6202	266	27	.	.	PUNCT
ejif-6202	267	1	interestingly	interestingly	ADV
ejif-6202	267	2	,	,	PUNCT
ejif-6202	267	3	by	by	ADP
ejif-6202	267	4	using	use	VERB
ejif-6202	267	5	the	the	DET
ejif-6202	267	6	difference	difference	NOUN
ejif-6202	267	7	between	between	ADP
ejif-6202	267	8	the	the	DET
ejif-6202	267	9	mdi	mdi	PROPN
ejif-6202	267	10	and	and	CCONJ
ejif-6202	267	11	feature	feature	NOUN
ejif-6202	267	12	importance	importance	NOUN
ejif-6202	267	13	based	base	VERB
ejif-6202	267	14	on	on	ADP
ejif-6202	267	15	permutation	permutation	NOUN
ejif-6202	267	16	,	,	PUNCT
ejif-6202	267	17	the	the	DET
ejif-6202	267	18	amount	amount	NOUN
ejif-6202	267	19	of	of	ADP
ejif-6202	267	20	zakat	zakat	NOUN
ejif-6202	267	21	paid	pay	VERB
ejif-6202	267	22	as	as	ADV
ejif-6202	267	23	well	well	ADV
ejif-6202	267	24	as	as	ADP
ejif-6202	267	25	value	value	NOUN
ejif-6202	267	26	of	of	ADP
ejif-6202	267	27	collateral	collateral	NOUN
ejif-6202	267	28	,	,	PUNCT
ejif-6202	267	29	in	in	ADP
ejif-6202	267	30	addition	addition	NOUN
ejif-6202	267	31	to	to	ADP
ejif-6202	267	32	the	the	DET
ejif-6202	267	33	number	number	NOUN
ejif-6202	267	34	of	of	ADP
ejif-6202	267	35	crimes	crime	NOUN
ejif-6202	267	36	committed	commit	VERB
ejif-6202	267	37	are	be	AUX
ejif-6202	267	38	the	the	DET
ejif-6202	267	39	most	most	ADV
ejif-6202	267	40	critical	critical	ADJ
ejif-6202	267	41	parameters	parameter	NOUN
ejif-6202	267	42	.	.	PUNCT
ejif-6202	268	1	comparing	compare	VERB
ejif-6202	268	2	this	this	PRON
ejif-6202	268	3	to	to	ADP
ejif-6202	268	4	conventional	conventional	ADJ
ejif-6202	268	5	risk	risk	NOUN
ejif-6202	268	6	management	management	NOUN
ejif-6202	268	7	,	,	PUNCT
ejif-6202	268	8	the	the	DET
ejif-6202	268	9	model	model	NOUN
ejif-6202	268	10	outlines	outline	VERB
ejif-6202	268	11	the	the	DET
ejif-6202	268	12	stronger	strong	ADJ
ejif-6202	268	13	focus	focus	NOUN
ejif-6202	268	14	on	on	ADP
ejif-6202	268	15	islamic	islamic	ADJ
ejif-6202	268	16	values	value	NOUN
ejif-6202	268	17	and	and	CCONJ
ejif-6202	268	18	behavioral	behavioral	ADJ
ejif-6202	268	19	parameters	parameter	NOUN
ejif-6202	268	20	as	as	SCONJ
ejif-6202	268	21	compared	compare	VERB
ejif-6202	268	22	to	to	ADP
ejif-6202	268	23	solely	solely	ADV
ejif-6202	268	24	numerical	numerical	ADJ
ejif-6202	268	25	and	and	CCONJ
ejif-6202	268	26	income	income	NOUN
ejif-6202	268	27	derived	derive	VERB
ejif-6202	268	28	parameters	parameter	NOUN
ejif-6202	268	29	.	.	PUNCT
ejif-6202	269	1	while	while	SCONJ
ejif-6202	269	2	these	these	DET
ejif-6202	269	3	parameters	parameter	NOUN
ejif-6202	269	4	are	be	AUX
ejif-6202	269	5	taken	take	VERB
ejif-6202	269	6	into	into	ADP
ejif-6202	269	7	account	account	NOUN
ejif-6202	269	8	,	,	PUNCT
ejif-6202	269	9	contributions	contribution	NOUN
ejif-6202	269	10	to	to	ADP
ejif-6202	269	11	the	the	DET
ejif-6202	269	12	society	society	NOUN
ejif-6202	269	13	in	in	ADP
ejif-6202	269	14	the	the	DET
ejif-6202	269	15	form	form	NOUN
ejif-6202	269	16	of	of	ADP
ejif-6202	269	17	zakat	zakat	NOUN
ejif-6202	269	18	are	be	AUX
ejif-6202	269	19	utilized	utilize	VERB
ejif-6202	269	20	as	as	ADP
ejif-6202	269	21	benchmarks	benchmark	NOUN
ejif-6202	269	22	in	in	ADP
ejif-6202	269	23	order	order	NOUN
ejif-6202	269	24	to	to	PART
ejif-6202	269	25	assess	assess	VERB
ejif-6202	269	26	the	the	DET
ejif-6202	269	27	qualification	qualification	NOUN
ejif-6202	269	28	.	.	PUNCT
ejif-6202	270	1	thereby	thereby	ADV
ejif-6202	270	2	,	,	PUNCT
ejif-6202	270	3	the	the	DET
ejif-6202	270	4	financial	financial	ADJ
ejif-6202	270	5	institution	institution	NOUN
ejif-6202	270	6	aims	aim	VERB
ejif-6202	270	7	to	to	PART
ejif-6202	270	8	correlate	correlate	VERB
ejif-6202	270	9	factors	factor	NOUN
ejif-6202	270	10	such	such	ADJ
ejif-6202	270	11	as	as	ADP
ejif-6202	270	12	honesty	honesty	NOUN
ejif-6202	270	13	and	and	CCONJ
ejif-6202	270	14	high	high	ADJ
ejif-6202	270	15	charity	charity	NOUN
ejif-6202	270	16	contributions	contribution	NOUN
ejif-6202	270	17	with	with	ADP
ejif-6202	270	18	a	a	DET
ejif-6202	270	19	better	well	ADJ
ejif-6202	270	20	credit	credit	NOUN
ejif-6202	270	21	rating	rating	NOUN
ejif-6202	270	22	and	and	CCONJ
ejif-6202	270	23	likelihood	likelihood	NOUN
ejif-6202	270	24	of	of	ADP
ejif-6202	270	25	repayment	repayment	NOUN
ejif-6202	270	26	.	.	PUNCT
ejif-6202	271	1	this	this	PRON
ejif-6202	271	2	has	have	AUX
ejif-6202	271	3	been	be	AUX
ejif-6202	271	4	observed	observe	VERB
ejif-6202	271	5	in	in	ADP
ejif-6202	271	6	multiple	multiple	ADJ
ejif-6202	271	7	european	european	ADJ
ejif-6202	271	8	journal	journal	PROPN
ejif-6202	271	9	of	of	ADP
ejif-6202	271	10	islamic	islamic	PROPN
ejif-6202	271	11	finance	finance	PROPN
ejif-6202	271	12	issn	issn	PROPN
ejif-6202	271	13	:	:	PUNCT
ejif-6202	271	14	2421	2421	NUM
ejif-6202	271	15	-	-	SYM
ejif-6202	271	16	2172	2172	NUM
ejif-6202	271	17	doi	doi	NOUN
ejif-6202	271	18	:	:	PUNCT
ejif-6202	271	19	10.13135/2421	10.13135/2421	NUM
ejif-6202	271	20	-	-	PUNCT
ejif-6202	271	21	2172/6202published	2172/6202publishe	VERB
ejif-6202	271	22	by	by	ADP
ejif-6202	271	23	the	the	DET
ejif-6202	271	24	university	university	PROPN
ejif-6202	271	25	of	of	ADP
ejif-6202	271	26	turin	turin	PROPN
ejif-6202	272	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	272	2	ejif	ejif	PROPN
ejif-6202	272	3	content	content	NOUN
ejif-6202	272	4	is	be	AUX
ejif-6202	272	5	licensed	license	VERB
ejif-6202	272	6	under	under	ADP
ejif-6202	272	7	a	a	DET
ejif-6202	272	8	creative	creative	ADJ
ejif-6202	272	9	commons	common	NOUN
ejif-6202	272	10	attribution	attribution	NOUN
ejif-6202	272	11	4.0	4.0	NUM
ejif-6202	272	12	international	international	ADJ
ejif-6202	272	13	license	license	NOUN
ejif-6202	272	14	received	receive	VERB
ejif-6202	272	15	:	:	PUNCT
ejif-6202	272	16	11/08/2021	11/08/2021	NUM
ejif-6202	272	17	accepted	accept	VERB
ejif-6202	272	18	for	for	ADP
ejif-6202	272	19	publication	publication	NOUN
ejif-6202	272	20	:	:	PUNCT
ejif-6202	272	21	20/07/2022	20/07/2022	NUM
ejif-6202	272	22	published	publish	VERB
ejif-6202	272	23	:	:	PUNCT
ejif-6202	272	24	29/07/2022	29/07/2022	NUM
ejif-6202	272	25	42	42	NUM
ejif-6202	272	26	instances	instance	NOUN
ejif-6202	272	27	where	where	SCONJ
ejif-6202	272	28	individuals	individual	NOUN
ejif-6202	272	29	tried	try	VERB
ejif-6202	272	30	to	to	PART
ejif-6202	272	31	take	take	VERB
ejif-6202	272	32	advantage	advantage	NOUN
ejif-6202	272	33	of	of	ADP
ejif-6202	272	34	situations	situation	NOUN
ejif-6202	272	35	and	and	CCONJ
ejif-6202	272	36	lacked	lack	VERB
ejif-6202	272	37	honesty	honesty	NOUN
ejif-6202	272	38	,	,	PUNCT
ejif-6202	272	39	and	and	CCONJ
ejif-6202	272	40	in	in	ADP
ejif-6202	272	41	the	the	DET
ejif-6202	272	42	end	end	NOUN
ejif-6202	272	43	aimed	aim	VERB
ejif-6202	272	44	to	to	ADP
ejif-6202	272	45	severe	severe	ADJ
ejif-6202	272	46	and	and	CCONJ
ejif-6202	272	47	take	take	VERB
ejif-6202	272	48	advantage	advantage	NOUN
ejif-6202	272	49	of	of	ADP
ejif-6202	272	50	the	the	DET
ejif-6202	272	51	business	business	NOUN
ejif-6202	272	52	environment	environment	NOUN
ejif-6202	273	1	[	[	X
ejif-6202	273	2	21	21	NUM
ejif-6202	273	3	]	]	PUNCT
ejif-6202	273	4	.	.	PUNCT
ejif-6202	274	1	while	while	SCONJ
ejif-6202	274	2	treachery	treachery	NOUN
ejif-6202	274	3	may	may	AUX
ejif-6202	274	4	pay	pay	VERB
ejif-6202	274	5	off	off	ADP
ejif-6202	274	6	for	for	ADP
ejif-6202	274	7	the	the	DET
ejif-6202	274	8	loan	loan	NOUN
ejif-6202	274	9	taker	taker	NOUN
ejif-6202	274	10	that	that	PRON
ejif-6202	274	11	may	may	AUX
ejif-6202	274	12	gain	gain	VERB
ejif-6202	274	13	an	an	DET
ejif-6202	274	14	unfair	unfair	ADJ
ejif-6202	274	15	advantage	advantage	NOUN
ejif-6202	274	16	from	from	ADP
ejif-6202	274	17	dishonesty	dishonesty	NOUN
ejif-6202	274	18	,	,	PUNCT
ejif-6202	274	19	the	the	DET
ejif-6202	274	20	microfinance	microfinance	NOUN
ejif-6202	274	21	institution	institution	NOUN
ejif-6202	274	22	may	may	AUX
ejif-6202	274	23	experience	experience	VERB
ejif-6202	274	24	considerable	considerable	ADJ
ejif-6202	274	25	losses	loss	NOUN
ejif-6202	274	26	.	.	PUNCT
ejif-6202	275	1	hence	hence	ADV
ejif-6202	275	2	,	,	PUNCT
ejif-6202	275	3	a	a	DET
ejif-6202	275	4	stronger	strong	ADJ
ejif-6202	275	5	focus	focus	NOUN
ejif-6202	275	6	on	on	ADP
ejif-6202	275	7	social	social	ADJ
ejif-6202	275	8	parameters	parameter	NOUN
ejif-6202	275	9	,	,	PUNCT
ejif-6202	275	10	such	such	ADJ
ejif-6202	275	11	as	as	ADP
ejif-6202	275	12	charity	charity	NOUN
ejif-6202	275	13	contributions	contribution	NOUN
ejif-6202	275	14	and	and	CCONJ
ejif-6202	275	15	faith	faith	NOUN
ejif-6202	275	16	may	may	AUX
ejif-6202	275	17	be	be	AUX
ejif-6202	275	18	key	key	ADJ
ejif-6202	275	19	parameters	parameter	NOUN
ejif-6202	275	20	to	to	PART
ejif-6202	275	21	enhance	enhance	VERB
ejif-6202	275	22	microfinance	microfinance	NOUN
ejif-6202	275	23	efficiency	efficiency	NOUN
ejif-6202	275	24	and	and	CCONJ
ejif-6202	275	25	overcome	overcome	VERB
ejif-6202	275	26	the	the	DET
ejif-6202	275	27	challenges	challenge	NOUN
ejif-6202	275	28	of	of	ADP
ejif-6202	275	29	conventional	conventional	ADJ
ejif-6202	275	30	risk	risk	NOUN
ejif-6202	275	31	management	management	NOUN
ejif-6202	275	32	models	model	NOUN
ejif-6202	275	33	.	.	PUNCT
ejif-6202	276	1	mdi	mdi	PROPN
ejif-6202	276	2	feature	feature	NOUN
ejif-6202	276	3	permutation	permutation	NOUN
ejif-6202	276	4	figure	figure	NOUN
ejif-6202	276	5	11	11	NUM
ejif-6202	276	6	:	:	PUNCT
ejif-6202	276	7	feature	feature	VERB
ejif-6202	276	8	importance	importance	NOUN
ejif-6202	276	9	for	for	ADP
ejif-6202	276	10	both	both	DET
ejif-6202	276	11	mean	mean	ADJ
ejif-6202	276	12	decrease	decrease	NOUN
ejif-6202	276	13	in	in	ADP
ejif-6202	276	14	impurity	impurity	NOUN
ejif-6202	276	15	,	,	PUNCT
ejif-6202	276	16	and	and	CCONJ
ejif-6202	276	17	feature	feature	NOUN
ejif-6202	276	18	permutation	permutation	NOUN
ejif-6202	276	19	for	for	ADP
ejif-6202	276	20	the	the	DET
ejif-6202	276	21	maximum	maximum	ADJ
ejif-6202	276	22	loan	loan	NOUN
ejif-6202	276	23	value	value	NOUN
ejif-6202	276	24	for	for	ADP
ejif-6202	276	25	an	an	DET
ejif-6202	276	26	islamic	islamic	ADJ
ejif-6202	276	27	microfinance	microfinance	NOUN
ejif-6202	276	28	loan	loan	NOUN
ejif-6202	276	29	.	.	PUNCT
ejif-6202	277	1	iv	iv	X
ejif-6202	277	2	.	.	PUNCT
ejif-6202	277	3	conclusion	conclusion	NOUN
ejif-6202	277	4	we	we	PRON
ejif-6202	277	5	have	have	AUX
ejif-6202	277	6	presented	present	VERB
ejif-6202	277	7	in	in	ADP
ejif-6202	277	8	this	this	DET
ejif-6202	277	9	paper	paper	NOUN
ejif-6202	277	10	a	a	DET
ejif-6202	277	11	novel	novel	NOUN
ejif-6202	277	12	ai	ai	ADJ
ejif-6202	277	13	-	-	PUNCT
ejif-6202	277	14	driven	drive	VERB
ejif-6202	277	15	approach	approach	NOUN
ejif-6202	277	16	to	to	ADP
ejif-6202	277	17	financial	financial	ADJ
ejif-6202	277	18	risk	risk	NOUN
ejif-6202	277	19	management	management	NOUN
ejif-6202	277	20	for	for	ADP
ejif-6202	277	21	islamic	islamic	ADJ
ejif-6202	277	22	microfinancing	microfinancing	NOUN
ejif-6202	277	23	.	.	PUNCT
ejif-6202	278	1	the	the	DET
ejif-6202	278	2	data	data	NOUN
ejif-6202	278	3	-	-	PUNCT
ejif-6202	278	4	driven	drive	VERB
ejif-6202	278	5	framework	framework	NOUN
ejif-6202	278	6	overcomes	overcome	VERB
ejif-6202	278	7	a	a	DET
ejif-6202	278	8	key	key	ADJ
ejif-6202	278	9	challenge	challenge	NOUN
ejif-6202	278	10	in	in	ADP
ejif-6202	278	11	incorporating	incorporate	VERB
ejif-6202	278	12	islamic	islamic	ADJ
ejif-6202	278	13	values	value	NOUN
ejif-6202	278	14	in	in	ADP
ejif-6202	278	15	the	the	DET
ejif-6202	278	16	provisioning	provisioning	NOUN
ejif-6202	278	17	of	of	ADP
ejif-6202	278	18	islamic	islamic	ADJ
ejif-6202	278	19	microfinancing	microfinancing	NOUN
ejif-6202	278	20	for	for	ADP
ejif-6202	278	21	determining	determine	VERB
ejif-6202	278	22	eligibility	eligibility	NOUN
ejif-6202	278	23	for	for	ADP
ejif-6202	278	24	loans	loan	NOUN
ejif-6202	278	25	,	,	PUNCT
ejif-6202	278	26	credit	credit	NOUN
ejif-6202	278	27	risk	risk	NOUN
ejif-6202	278	28	,	,	PUNCT
ejif-6202	278	29	and	and	CCONJ
ejif-6202	278	30	the	the	DET
ejif-6202	278	31	maximum	maximum	ADJ
ejif-6202	278	32	overall	overall	ADJ
ejif-6202	278	33	amount	amount	NOUN
ejif-6202	278	34	.	.	PUNCT
ejif-6202	279	1	the	the	DET
ejif-6202	279	2	results	result	NOUN
ejif-6202	279	3	from	from	ADP
ejif-6202	279	4	the	the	DET
ejif-6202	279	5	framework	framework	NOUN
ejif-6202	279	6	represent	represent	VERB
ejif-6202	279	7	a	a	DET
ejif-6202	279	8	critical	critical	ADJ
ejif-6202	279	9	step	step	NOUN
ejif-6202	279	10	towards	towards	ADP
ejif-6202	279	11	strengthening	strengthen	VERB
ejif-6202	279	12	loan	loan	NOUN
ejif-6202	279	13	governance	governance	NOUN
ejif-6202	279	14	and	and	CCONJ
ejif-6202	279	15	evaluating	evaluate	VERB
ejif-6202	279	16	loan	loan	NOUN
ejif-6202	279	17	applicants	applicant	NOUN
ejif-6202	279	18	fairly	fairly	ADV
ejif-6202	279	19	.	.	PUNCT
ejif-6202	280	1	a	a	DET
ejif-6202	280	2	distinctive	distinctive	ADJ
ejif-6202	280	3	feature	feature	NOUN
ejif-6202	280	4	is	be	AUX
ejif-6202	280	5	to	to	PART
ejif-6202	280	6	capture	capture	VERB
ejif-6202	280	7	the	the	DET
ejif-6202	280	8	loan	loan	NOUN
ejif-6202	280	9	applicant	applicant	NOUN
ejif-6202	280	10	’s	’s	PART
ejif-6202	280	11	attitude	attitude	NOUN
ejif-6202	280	12	vis	vis	X
ejif-6202	280	13	-	-	X
ejif-6202	280	14	à	à	X
ejif-6202	280	15	-	-	PUNCT
ejif-6202	280	16	vis	vis	X
ejif-6202	280	17	islamic	islamic	ADJ
ejif-6202	280	18	values	value	NOUN
ejif-6202	280	19	.	.	PUNCT
ejif-6202	281	1	this	this	DET
ejif-6202	281	2	value	value	NOUN
ejif-6202	281	3	element	element	NOUN
ejif-6202	281	4	is	be	AUX
ejif-6202	281	5	generally	generally	ADV
ejif-6202	281	6	absent	absent	ADJ
ejif-6202	281	7	from	from	ADP
ejif-6202	281	8	conventional	conventional	ADJ
ejif-6202	281	9	microfinance	microfinance	NOUN
ejif-6202	281	10	that	that	PRON
ejif-6202	281	11	primarily	primarily	ADV
ejif-6202	281	12	focuses	focus	VERB
ejif-6202	281	13	on	on	ADP
ejif-6202	281	14	income	income	NOUN
ejif-6202	281	15	levels	level	NOUN
ejif-6202	281	16	and	and	CCONJ
ejif-6202	281	17	collateral	collateral	NOUN
ejif-6202	281	18	.	.	PUNCT
ejif-6202	282	1	an	an	DET
ejif-6202	282	2	additional	additional	ADJ
ejif-6202	282	3	benefit	benefit	NOUN
ejif-6202	282	4	of	of	ADP
ejif-6202	282	5	this	this	DET
ejif-6202	282	6	model	model	NOUN
ejif-6202	282	7	is	be	AUX
ejif-6202	282	8	the	the	DET
ejif-6202	282	9	absence	absence	NOUN
ejif-6202	282	10	of	of	ADP
ejif-6202	282	11	a	a	DET
ejif-6202	282	12	loan	loan	NOUN
ejif-6202	282	13	officer	officer	NOUN
ejif-6202	282	14	’s	’s	PART
ejif-6202	282	15	personal	personal	ADJ
ejif-6202	282	16	views	view	NOUN
ejif-6202	282	17	on	on	ADP
ejif-6202	282	18	the	the	DET
ejif-6202	282	19	individual	individual	NOUN
ejif-6202	282	20	who	who	PRON
ejif-6202	282	21	applies	apply	VERB
ejif-6202	282	22	for	for	ADP
ejif-6202	282	23	a	a	DET
ejif-6202	282	24	loan	loan	NOUN
ejif-6202	282	25	,	,	PUNCT
ejif-6202	282	26	reducing	reduce	VERB
ejif-6202	282	27	biases	bias	NOUN
ejif-6202	282	28	against	against	ADP
ejif-6202	282	29	the	the	DET
ejif-6202	282	30	most	most	ADV
ejif-6202	282	31	disadvantaged	disadvantaged	ADJ
ejif-6202	282	32	and	and	CCONJ
ejif-6202	282	33	processing	processing	NOUN
ejif-6202	282	34	costs	cost	NOUN
ejif-6202	282	35	.	.	PUNCT
ejif-6202	283	1	this	this	DET
ejif-6202	283	2	approach	approach	NOUN
ejif-6202	283	3	represents	represent	VERB
ejif-6202	283	4	a	a	DET
ejif-6202	283	5	positive	positive	ADJ
ejif-6202	283	6	step	step	NOUN
ejif-6202	283	7	toward	toward	ADP
ejif-6202	283	8	enhancing	enhance	VERB
ejif-6202	283	9	access	access	NOUN
ejif-6202	283	10	to	to	ADP
ejif-6202	283	11	islamic	islamic	ADJ
ejif-6202	283	12	microfinancing	microfinancing	NOUN
ejif-6202	283	13	.	.	PUNCT
ejif-6202	284	1	v.	v.	ADP
ejif-6202	284	2	references	reference	NOUN
ejif-6202	284	3	[	[	X
ejif-6202	284	4	1	1	NUM
ejif-6202	284	5	]	]	PUNCT
ejif-6202	284	6	b.	b.	PROPN
ejif-6202	284	7	kustin	kustin	PROPN
ejif-6202	284	8	,	,	PUNCT
ejif-6202	284	9	"	"	PUNCT
ejif-6202	284	10	islamic	islamic	ADJ
ejif-6202	284	11	(	(	PUNCT
ejif-6202	284	12	micro)finance	micro)finance	NOUN
ejif-6202	284	13	culture	culture	NOUN
ejif-6202	284	14	,	,	PUNCT
ejif-6202	284	15	context	context	NOUN
ejif-6202	284	16	,	,	PUNCT
ejif-6202	284	17	promise	promise	NOUN
ejif-6202	284	18	and	and	CCONJ
ejif-6202	284	19	challenges	challenge	NOUN
ejif-6202	284	20	,	,	PUNCT
ejif-6202	284	21	"	"	PUNCT
ejif-6202	284	22	bill	bill	PROPN
ejif-6202	284	23	&	&	CCONJ
ejif-6202	284	24	melinda	melinda	PROPN
ejif-6202	284	25	gates	gates	PROPN
ejif-6202	284	26	foundation	foundation	PROPN
ejif-6202	284	27	,	,	PUNCT
ejif-6202	284	28	2015	2015	NUM
ejif-6202	284	29	.	.	PUNCT
ejif-6202	285	1	[	[	X
ejif-6202	285	2	2	2	NUM
ejif-6202	285	3	]	]	PUNCT
ejif-6202	285	4	m.	m.	NOUN
ejif-6202	285	5	uddin	uddin	PROPN
ejif-6202	285	6	,	,	PUNCT
ejif-6202	285	7	"	"	PUNCT
ejif-6202	285	8	determinants	determinant	NOUN
ejif-6202	285	9	of	of	ADP
ejif-6202	285	10	loan	loan	NOUN
ejif-6202	285	11	default	default	NOUN
ejif-6202	285	12	of	of	ADP
ejif-6202	285	13	lowincome	lowincome	NOUN
ejif-6202	285	14	borrowers	borrower	NOUN
ejif-6202	285	15	in	in	ADP
ejif-6202	285	16	urban	urban	ADJ
ejif-6202	285	17	informal	informal	ADJ
ejif-6202	285	18	credit	credit	NOUN
ejif-6202	285	19	markets	market	NOUN
ejif-6202	285	20	:	:	PUNCT
ejif-6202	285	21	evidence	evidence	NOUN
ejif-6202	285	22	from	from	ADP
ejif-6202	285	23	dhaka	dhaka	PROPN
ejif-6202	285	24	city	city	PROPN
ejif-6202	285	25	.	.	PUNCT
ejif-6202	286	1	,	,	PUNCT
ejif-6202	286	2	"	"	PUNCT
ejif-6202	286	3	european	european	ADJ
ejif-6202	286	4	journal	journal	PROPN
ejif-6202	286	5	of	of	ADP
ejif-6202	286	6	business	business	NOUN
ejif-6202	286	7	and	and	CCONJ
ejif-6202	286	8	management	management	NOUN
ejif-6202	286	9	,	,	PUNCT
ejif-6202	286	10	vol	vol	NOUN
ejif-6202	286	11	.	.	PROPN
ejif-6202	286	12	11	11	NUM
ejif-6202	286	13	,	,	PUNCT
ejif-6202	286	14	no	no	INTJ
ejif-6202	286	15	.	.	NOUN
ejif-6202	286	16	26	26	NUM
ejif-6202	286	17	,	,	PUNCT
ejif-6202	286	18	pp	pp	ADJ
ejif-6202	286	19	.	.	PUNCT
ejif-6202	287	1	105	105	NUM
ejif-6202	287	2	-	-	SYM
ejif-6202	287	3	114	114	NUM
ejif-6202	287	4	,	,	PUNCT
ejif-6202	287	5	2019	2019	NUM
ejif-6202	287	6	.	.	PUNCT
ejif-6202	288	1	[	[	X
ejif-6202	288	2	3	3	X
ejif-6202	288	3	]	]	X
ejif-6202	288	4	m.	m.	NOUN
ejif-6202	288	5	el	el	PROPN
ejif-6202	288	6	-	-	PROPN
ejif-6202	288	7	komi	komi	PROPN
ejif-6202	288	8	and	and	CCONJ
ejif-6202	288	9	r.	r.	PROPN
ejif-6202	288	10	croson	croson	PROPN
ejif-6202	288	11	,	,	PUNCT
ejif-6202	288	12	"	"	PUNCT
ejif-6202	288	13	experiments	experiment	NOUN
ejif-6202	288	14	in	in	ADP
ejif-6202	288	15	islamic	islamic	ADJ
ejif-6202	288	16	microfinance	microfinance	NOUN
ejif-6202	288	17	,	,	PUNCT
ejif-6202	288	18	"	"	PUNCT
ejif-6202	288	19	journal	journal	NOUN
ejif-6202	288	20	of	of	ADP
ejif-6202	288	21	economic	economic	ADJ
ejif-6202	288	22	behavior	behavior	NOUN
ejif-6202	288	23	&	&	CCONJ
ejif-6202	288	24	organization	organization	PROPN
ejif-6202	288	25	,	,	PUNCT
ejif-6202	288	26	vol	vol	NOUN
ejif-6202	288	27	.	.	PROPN
ejif-6202	288	28	95	95	NUM
ejif-6202	288	29	,	,	PUNCT
ejif-6202	288	30	pp	pp	ADJ
ejif-6202	288	31	.	.	PUNCT
ejif-6202	289	1	252	252	NUM
ejif-6202	289	2	-	-	SYM
ejif-6202	289	3	269	269	NUM
ejif-6202	289	4	,	,	PUNCT
ejif-6202	289	5	2013	2013	NUM
ejif-6202	289	6	.	.	PUNCT
ejif-6202	290	1	[	[	X
ejif-6202	290	2	4	4	X
ejif-6202	290	3	]	]	X
ejif-6202	290	4	h.	h.	PROPN
ejif-6202	290	5	begum	begum	PROPN
ejif-6202	290	6	,	,	PUNCT
ejif-6202	290	7	m.	m.	PROPN
ejif-6202	290	8	r.	r.	PROPN
ejif-6202	290	9	alam	alam	PROPN
ejif-6202	290	10	,	,	PUNCT
ejif-6202	290	11	a.	a.	PROPN
ejif-6202	290	12	s.	s.	PROPN
ejif-6202	290	13	a.	a.	PROPN
ejif-6202	290	14	alam	alam	PROPN
ejif-6202	290	15	and	and	CCONJ
ejif-6202	290	16	a.	a.	PROPN
ejif-6202	290	17	h.	h.	PROPN
ejif-6202	290	18	awang	awang	PROPN
ejif-6202	290	19	,	,	PUNCT
ejif-6202	290	20	"	"	PUNCT
ejif-6202	290	21	islamic	islamic	ADJ
ejif-6202	290	22	microfinance	microfinance	NOUN
ejif-6202	290	23	as	as	ADP
ejif-6202	290	24	an	an	DET
ejif-6202	290	25	instrument	instrument	NOUN
ejif-6202	290	26	for	for	ADP
ejif-6202	290	27	poverty	poverty	NOUN
ejif-6202	290	28	alleviation	alleviation	NOUN
ejif-6202	290	29	.	.	PUNCT
ejif-6202	290	30	,	,	PUNCT
ejif-6202	290	31	"	"	PUNCT
ejif-6202	290	32	advanced	advanced	ADJ
ejif-6202	290	33	science	science	NOUN
ejif-6202	290	34	letters	letter	NOUN
ejif-6202	290	35	,	,	PUNCT
ejif-6202	290	36	vol	vol	NOUN
ejif-6202	290	37	.	.	PROPN
ejif-6202	290	38	21	21	NUM
ejif-6202	290	39	,	,	PUNCT
ejif-6202	290	40	no	no	INTJ
ejif-6202	290	41	.	.	NOUN
ejif-6202	290	42	6	6	NUM
ejif-6202	290	43	,	,	PUNCT
ejif-6202	290	44	pp	pp	ADJ
ejif-6202	290	45	.	.	PUNCT
ejif-6202	290	46	1708	1708	NUM
ejif-6202	290	47	-	-	SYM
ejif-6202	290	48	1711	1711	NUM
ejif-6202	290	49	,	,	PUNCT
ejif-6202	290	50	2015	2015	NUM
ejif-6202	290	51	.	.	PUNCT
ejif-6202	291	1	[	[	X
ejif-6202	291	2	5	5	X
ejif-6202	291	3	]	]	PUNCT
ejif-6202	291	4	b.	b.	PROPN
ejif-6202	291	5	shanmugam	shanmugam	PROPN
ejif-6202	291	6	and	and	CCONJ
ejif-6202	291	7	z.	z.	PROPN
ejif-6202	291	8	r.	r.	PROPN
ejif-6202	291	9	zahari	zahari	PROPN
ejif-6202	291	10	,	,	PUNCT
ejif-6202	291	11	a	a	DET
ejif-6202	291	12	primer	primer	NOUN
ejif-6202	291	13	on	on	ADP
ejif-6202	291	14	islamic	islamic	ADJ
ejif-6202	291	15	finance	finance	PROPN
ejif-6202	291	16	,	,	PUNCT
ejif-6202	291	17	new	new	PROPN
ejif-6202	291	18	york	york	PROPN
ejif-6202	291	19	:	:	PUNCT
ejif-6202	291	20	research	research	PROPN
ejif-6202	291	21	foundation	foundation	PROPN
ejif-6202	291	22	of	of	ADP
ejif-6202	291	23	cfa	cfa	PROPN
ejif-6202	291	24	institute	institute	PROPN
ejif-6202	291	25	,	,	PUNCT
ejif-6202	291	26	2009	2009	NUM
ejif-6202	291	27	.	.	PUNCT
ejif-6202	292	1	[	[	X
ejif-6202	292	2	6	6	NUM
ejif-6202	292	3	]	]	X
ejif-6202	292	4	c.	c.	NOUN
ejif-6202	292	5	paldi	paldi	PROPN
ejif-6202	292	6	,	,	PUNCT
ejif-6202	292	7	"	"	PUNCT
ejif-6202	292	8	understanding	understand	VERB
ejif-6202	292	9	riba	riba	NOUN
ejif-6202	292	10	and	and	CCONJ
ejif-6202	292	11	gharar	gharar	NOUN
ejif-6202	292	12	in	in	ADP
ejif-6202	292	13	islamic	islamic	ADJ
ejif-6202	292	14	finance	finance	NOUN
ejif-6202	292	15	.	.	PUNCT
ejif-6202	292	16	,	,	PUNCT
ejif-6202	292	17	"	"	PUNCT
ejif-6202	292	18	journal	journal	NOUN
ejif-6202	292	19	of	of	ADP
ejif-6202	292	20	islamic	islamic	PROPN
ejif-6202	292	21	banking	banking	NOUN
ejif-6202	292	22	and	and	CCONJ
ejif-6202	292	23	finance	finance	NOUN
ejif-6202	292	24	,	,	PUNCT
ejif-6202	292	25	vol	vol	NOUN
ejif-6202	292	26	.	.	PROPN
ejif-6202	292	27	2	2	NUM
ejif-6202	292	28	,	,	PUNCT
ejif-6202	292	29	no	no	INTJ
ejif-6202	292	30	.	.	NOUN
ejif-6202	292	31	1	1	NUM
ejif-6202	292	32	,	,	PUNCT
ejif-6202	292	33	pp	pp	ADJ
ejif-6202	292	34	.	.	PUNCT
ejif-6202	293	1	249	249	NUM
ejif-6202	293	2	-	-	SYM
ejif-6202	293	3	259	259	NUM
ejif-6202	293	4	,	,	PUNCT
ejif-6202	293	5	2014	2014	NUM
ejif-6202	293	6	.	.	PUNCT
ejif-6202	294	1	[	[	X
ejif-6202	294	2	7	7	X
ejif-6202	294	3	]	]	X
ejif-6202	294	4	n.	n.	PROPN
ejif-6202	294	5	al	al	PROPN
ejif-6202	294	6	rahahleh	rahahleh	PROPN
ejif-6202	294	7	,	,	PUNCT
ejif-6202	294	8	m.	m.	NOUN
ejif-6202	294	9	i.	i.	PROPN
ejif-6202	294	10	bhatti	bhatti	PROPN
ejif-6202	294	11	and	and	CCONJ
ejif-6202	294	12	f.	f.	PROPN
ejif-6202	294	13	n.	n.	PROPN
ejif-6202	294	14	misman	misman	PROPN
ejif-6202	294	15	,	,	PUNCT
ejif-6202	294	16	"	"	PUNCT
ejif-6202	294	17	developments	development	NOUN
ejif-6202	294	18	in	in	ADP
ejif-6202	294	19	risk	risk	NOUN
ejif-6202	294	20	management	management	NOUN
ejif-6202	294	21	in	in	ADP
ejif-6202	294	22	islamic	islamic	ADJ
ejif-6202	294	23	finance	finance	PROPN
ejif-6202	294	24	:	:	PUNCT
ejif-6202	294	25	a	a	DET
ejif-6202	294	26	review	review	NOUN
ejif-6202	294	27	.	.	PUNCT
ejif-6202	294	28	,	,	PUNCT
ejif-6202	294	29	"	"	PUNCT
ejif-6202	294	30	journal	journal	NOUN
ejif-6202	294	31	of	of	ADP
ejif-6202	294	32	risk	risk	NOUN
ejif-6202	294	33	and	and	CCONJ
ejif-6202	294	34	financial	financial	ADJ
ejif-6202	294	35	management	management	NOUN
ejif-6202	294	36	,	,	PUNCT
ejif-6202	294	37	vol	vol	NOUN
ejif-6202	294	38	.	.	PROPN
ejif-6202	294	39	12	12	NUM
ejif-6202	294	40	,	,	PUNCT
ejif-6202	294	41	no	no	INTJ
ejif-6202	294	42	.	.	NOUN
ejif-6202	294	43	1	1	NUM
ejif-6202	294	44	,	,	PUNCT
ejif-6202	294	45	p.	p.	NOUN
ejif-6202	294	46	37	37	NUM
ejif-6202	294	47	,	,	PUNCT
ejif-6202	294	48	2019	2019	NUM
ejif-6202	294	49	.	.	PUNCT
ejif-6202	295	1	[	[	X
ejif-6202	295	2	8	8	NUM
ejif-6202	295	3	]	]	PUNCT
ejif-6202	295	4	m.	m.	NOUN
ejif-6202	295	5	k.	k.	PROPN
ejif-6202	295	6	hassan	hassan	PROPN
ejif-6202	295	7	and	and	CCONJ
ejif-6202	295	8	r.	r.	PROPN
ejif-6202	295	9	n.	n.	PROPN
ejif-6202	295	10	kayed	kayed	PROPN
ejif-6202	295	11	,	,	PUNCT
ejif-6202	295	12	"	"	PUNCT
ejif-6202	295	13	the	the	DET
ejif-6202	295	14	global	global	ADJ
ejif-6202	295	15	financial	financial	ADJ
ejif-6202	295	16	crisis	crisis	NOUN
ejif-6202	295	17	,	,	PUNCT
ejif-6202	295	18	risk	risk	NOUN
ejif-6202	295	19	management	management	NOUN
ejif-6202	295	20	and	and	CCONJ
ejif-6202	295	21	social	social	ADJ
ejif-6202	295	22	justice	justice	NOUN
ejif-6202	295	23	in	in	ADP
ejif-6202	295	24	islamic	islamic	ADJ
ejif-6202	295	25	finance	finance	PROPN
ejif-6202	295	26	.	.	PUNCT
ejif-6202	296	1	,	,	PUNCT
ejif-6202	296	2	"	"	PUNCT
ejif-6202	296	3	risk	risk	NOUN
ejif-6202	296	4	management	management	NOUN
ejif-6202	296	5	and	and	CCONJ
ejif-6202	296	6	social	social	ADJ
ejif-6202	296	7	justice	justice	NOUN
ejif-6202	296	8	in	in	ADP
ejif-6202	296	9	islamic	islamic	PROPN
ejif-6202	296	10	finance	finance	NOUN
ejif-6202	296	11	,	,	PUNCT
ejif-6202	296	12	2009	2009	NUM
ejif-6202	296	13	.	.	PUNCT
ejif-6202	297	1	[	[	X
ejif-6202	297	2	9	9	NUM
ejif-6202	297	3	]	]	PUNCT
ejif-6202	297	4	p.	p.	NOUN
ejif-6202	297	5	christoffersen	christoffersen	NOUN
ejif-6202	297	6	,	,	PUNCT
ejif-6202	297	7	elements	element	NOUN
ejif-6202	297	8	of	of	ADP
ejif-6202	297	9	financial	financial	ADJ
ejif-6202	297	10	risk	risk	NOUN
ejif-6202	297	11	management	management	NOUN
ejif-6202	297	12	.	.	PUNCT
ejif-6202	298	1	,	,	PUNCT
ejif-6202	298	2	academic	academic	ADJ
ejif-6202	298	3	press	press	NOUN
ejif-6202	298	4	,	,	PUNCT
ejif-6202	298	5	2011	2011	NUM
ejif-6202	298	6	.	.	PUNCT
ejif-6202	299	1	[	[	X
ejif-6202	299	2	10	10	NUM
ejif-6202	299	3	]	]	X
ejif-6202	299	4	s.	s.	PROPN
ejif-6202	299	5	byoun	byoun	PROPN
ejif-6202	299	6	,	,	PUNCT
ejif-6202	299	7	j.	j.	PROPN
ejif-6202	299	8	kim	kim	PROPN
ejif-6202	299	9	and	and	CCONJ
ejif-6202	299	10	s.	s.	PROPN
ejif-6202	299	11	s.	s.	PROPN
ejif-6202	299	12	yoo	yoo	PROPN
ejif-6202	299	13	,	,	PUNCT
ejif-6202	299	14	"	"	PUNCT
ejif-6202	299	15	risk	risk	NOUN
ejif-6202	299	16	management	management	NOUN
ejif-6202	299	17	with	with	ADP
ejif-6202	299	18	leverage	leverage	NOUN
ejif-6202	299	19	:	:	PUNCT
ejif-6202	299	20	evidence	evidence	NOUN
ejif-6202	299	21	from	from	ADP
ejif-6202	299	22	project	project	NOUN
ejif-6202	299	23	finance	finance	NOUN
ejif-6202	299	24	.	.	PUNCT
ejif-6202	299	25	,	,	PUNCT
ejif-6202	299	26	"	"	PUNCT
ejif-6202	299	27	journal	journal	NOUN
ejif-6202	299	28	of	of	ADP
ejif-6202	299	29	financial	financial	ADJ
ejif-6202	299	30	and	and	CCONJ
ejif-6202	299	31	quantitative	quantitative	ADJ
ejif-6202	299	32	analysis	analysis	NOUN
ejif-6202	299	33	,	,	PUNCT
ejif-6202	299	34	vol	vol	NOUN
ejif-6202	299	35	.	.	PROPN
ejif-6202	299	36	48	48	NUM
ejif-6202	299	37	,	,	PUNCT
ejif-6202	299	38	no	no	INTJ
ejif-6202	299	39	.	.	NOUN
ejif-6202	299	40	2	2	NUM
ejif-6202	299	41	,	,	PUNCT
ejif-6202	299	42	pp	pp	ADJ
ejif-6202	299	43	.	.	PUNCT
ejif-6202	300	1	549	549	NUM
ejif-6202	300	2	-	-	SYM
ejif-6202	300	3	577	577	NUM
ejif-6202	300	4	,	,	PUNCT
ejif-6202	300	5	2013	2013	NUM
ejif-6202	300	6	.	.	PUNCT
ejif-6202	301	1	[	[	X
ejif-6202	301	2	11	11	NUM
ejif-6202	301	3	]	]	X
ejif-6202	301	4	h.	h.	PROPN
ejif-6202	301	5	gazali	gazali	PROPN
ejif-6202	301	6	,	,	PUNCT
ejif-6202	301	7	j.	j.	PROPN
ejif-6202	301	8	jumadi	jumadi	PROPN
ejif-6202	301	9	,	,	PUNCT
ejif-6202	301	10	n.	n.	PROPN
ejif-6202	301	11	ramlan	ramlan	PROPN
ejif-6202	301	12	,	,	PUNCT
ejif-6202	301	13	n.	n.	PROPN
ejif-6202	301	14	rahmat	rahmat	PROPN
ejif-6202	301	15	,	,	PUNCT
ejif-6202	301	16	s.	s.	PROPN
ejif-6202	301	17	uzair	uzair	PROPN
ejif-6202	301	18	and	and	CCONJ
ejif-6202	301	19	a.	a.	NOUN
ejif-6202	301	20	mohid	mohid	NOUN
ejif-6202	301	21	,	,	PUNCT
ejif-6202	301	22	"	"	PUNCT
ejif-6202	301	23	application	application	NOUN
ejif-6202	301	24	of	of	ADP
ejif-6202	301	25	artificial	artificial	ADJ
ejif-6202	301	26	intelligence	intelligence	NOUN
ejif-6202	301	27	european	european	PROPN
ejif-6202	301	28	journal	journal	PROPN
ejif-6202	301	29	of	of	ADP
ejif-6202	301	30	islamic	islamic	PROPN
ejif-6202	301	31	finance	finance	PROPN
ejif-6202	301	32	issn	issn	PROPN
ejif-6202	301	33	:	:	PUNCT
ejif-6202	301	34	2421	2421	NUM
ejif-6202	301	35	-	-	SYM
ejif-6202	301	36	2172	2172	NUM
ejif-6202	301	37	doi	doi	NOUN
ejif-6202	301	38	:	:	PUNCT
ejif-6202	301	39	10.13135/2421	10.13135/2421	NUM
ejif-6202	301	40	-	-	PUNCT
ejif-6202	301	41	2172/6202published	2172/6202publishe	VERB
ejif-6202	301	42	by	by	ADP
ejif-6202	301	43	the	the	DET
ejif-6202	301	44	university	university	PROPN
ejif-6202	301	45	of	of	ADP
ejif-6202	301	46	turin	turin	PROPN
ejif-6202	302	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6202	302	2	ejif	ejif	PROPN
ejif-6202	302	3	content	content	NOUN
ejif-6202	302	4	is	be	AUX
ejif-6202	302	5	licensed	license	VERB
ejif-6202	302	6	under	under	ADP
ejif-6202	302	7	a	a	DET
ejif-6202	302	8	creative	creative	ADJ
ejif-6202	302	9	commons	common	NOUN
ejif-6202	302	10	attribution	attribution	NOUN
ejif-6202	302	11	4.0	4.0	NUM
ejif-6202	302	12	international	international	ADJ
ejif-6202	302	13	license	license	NOUN
ejif-6202	302	14	received	receive	VERB
ejif-6202	302	15	:	:	PUNCT
ejif-6202	302	16	11/08/2021	11/08/2021	NUM
ejif-6202	302	17	accepted	accept	VERB
ejif-6202	302	18	for	for	ADP
ejif-6202	302	19	publication	publication	NOUN
ejif-6202	302	20	:	:	PUNCT
ejif-6202	302	21	20/07/2022	20/07/2022	NUM
ejif-6202	302	22	published	publish	VERB
ejif-6202	302	23	:	:	PUNCT
ejif-6202	302	24	29/07/2022	29/07/2022	NUM
ejif-6202	302	25	43	43	NUM
ejif-6202	302	26	(	(	PUNCT
ejif-6202	302	27	ai	ai	NOUN
ejif-6202	302	28	)	)	PUNCT
ejif-6202	302	29	in	in	ADP
ejif-6202	302	30	islamic	islamic	ADJ
ejif-6202	302	31	investments	investment	NOUN
ejif-6202	302	32	,	,	PUNCT
ejif-6202	302	33	"	"	PUNCT
ejif-6202	302	34	journal	journal	NOUN
ejif-6202	302	35	of	of	ADP
ejif-6202	302	36	islamic	islamic	PROPN
ejif-6202	302	37	finance	finance	PROPN
ejif-6202	302	38	,	,	PUNCT
ejif-6202	302	39	pp	pp	ADP
ejif-6202	302	40	.	.	PUNCT
ejif-6202	303	1	70	70	NUM
ejif-6202	303	2	-	-	SYM
ejif-6202	303	3	78	78	NUM
ejif-6202	303	4	,	,	PUNCT
ejif-6202	303	5	2020	2020	NUM
ejif-6202	303	6	.	.	PUNCT
ejif-6202	304	1	[	[	X
ejif-6202	304	2	12	12	NUM
ejif-6202	304	3	]	]	PUNCT
ejif-6202	304	4	t.	t.	PROPN
ejif-6202	304	5	lin	lin	PROPN
ejif-6202	304	6	,	,	PUNCT
ejif-6202	304	7	"	"	PUNCT
ejif-6202	304	8	artificial	artificial	ADJ
ejif-6202	304	9	intelligence	intelligence	NOUN
ejif-6202	304	10	,	,	PUNCT
ejif-6202	304	11	finance	finance	NOUN
ejif-6202	304	12	,	,	PUNCT
ejif-6202	304	13	and	and	CCONJ
ejif-6202	304	14	the	the	DET
ejif-6202	304	15	law	law	NOUN
ejif-6202	304	16	,	,	PUNCT
ejif-6202	304	17	"	"	PUNCT
ejif-6202	304	18	fordham	fordham	PROPN
ejif-6202	304	19	law	law	PROPN
ejif-6202	304	20	review	review	NOUN
ejif-6202	304	21	,	,	PUNCT
ejif-6202	304	22	p.	p.	NOUN
ejif-6202	304	23	531	531	NUM
ejif-6202	304	24	,	,	PUNCT
ejif-6202	304	25	2019	2019	NUM
ejif-6202	304	26	.	.	PUNCT
ejif-6202	305	1	[	[	X
ejif-6202	305	2	13	13	NUM
ejif-6202	305	3	]	]	PUNCT
ejif-6202	305	4	m.	m.	NOUN
ejif-6202	305	5	nasri	nasri	PROPN
ejif-6202	305	6	,	,	PUNCT
ejif-6202	305	7	"	"	PUNCT
ejif-6202	305	8	application	application	NOUN
ejif-6202	305	9	of	of	ADP
ejif-6202	305	10	artificial	artificial	ADJ
ejif-6202	305	11	neural	neural	ADJ
ejif-6202	305	12	networks	network	NOUN
ejif-6202	305	13	(	(	PUNCT
ejif-6202	305	14	anns	anns	PROPN
ejif-6202	305	15	)	)	PUNCT
ejif-6202	305	16	in	in	ADP
ejif-6202	305	17	prediction	prediction	NOUN
ejif-6202	305	18	models	model	NOUN
ejif-6202	305	19	in	in	ADP
ejif-6202	305	20	risk	risk	NOUN
ejif-6202	305	21	management	management	NOUN
ejif-6202	305	22	.	.	PUNCT
ejif-6202	305	23	,	,	PUNCT
ejif-6202	305	24	"	"	PUNCT
ejif-6202	305	25	world	world	NOUN
ejif-6202	305	26	applied	apply	VERB
ejif-6202	305	27	sciences	science	NOUN
ejif-6202	305	28	journal	journal	NOUN
ejif-6202	305	29	,	,	PUNCT
ejif-6202	305	30	vol	vol	NOUN
ejif-6202	305	31	.	.	PROPN
ejif-6202	305	32	10	10	NUM
ejif-6202	305	33	,	,	PUNCT
ejif-6202	305	34	no	no	INTJ
ejif-6202	305	35	.	.	NOUN
ejif-6202	305	36	12	12	NUM
ejif-6202	305	37	,	,	PUNCT
ejif-6202	305	38	pp	pp	ADJ
ejif-6202	305	39	.	.	PUNCT
ejif-6202	305	40	1493	1493	NUM
ejif-6202	305	41	-	-	SYM
ejif-6202	305	42	1500	1500	NUM
ejif-6202	305	43	,	,	PUNCT
ejif-6202	305	44	2010	2010	NUM
ejif-6202	305	45	.	.	PUNCT
ejif-6202	306	1	[	[	X
ejif-6202	306	2	14	14	NUM
ejif-6202	306	3	]	]	X
ejif-6202	306	4	p.	p.	NOUN
ejif-6202	306	5	giudici	giudici	NOUN
ejif-6202	306	6	,	,	PUNCT
ejif-6202	306	7	"	"	PUNCT
ejif-6202	306	8	fintech	fintech	NOUN
ejif-6202	306	9	risk	risk	NOUN
ejif-6202	306	10	management	management	NOUN
ejif-6202	306	11	:	:	PUNCT
ejif-6202	306	12	a	a	DET
ejif-6202	306	13	research	research	NOUN
ejif-6202	306	14	challenge	challenge	NOUN
ejif-6202	306	15	for	for	ADP
ejif-6202	306	16	artificial	artificial	ADJ
ejif-6202	306	17	intelligence	intelligence	NOUN
ejif-6202	306	18	in	in	ADP
ejif-6202	306	19	finance	finance	NOUN
ejif-6202	306	20	.	.	PUNCT
ejif-6202	307	1	,	,	PUNCT
ejif-6202	307	2	"	"	PUNCT
ejif-6202	307	3	frontiers	frontier	NOUN
ejif-6202	307	4	in	in	ADP
ejif-6202	307	5	artificial	artificial	ADJ
ejif-6202	307	6	intelligence	intelligence	NOUN
ejif-6202	307	7	,	,	PUNCT
ejif-6202	307	8	vol	vol	NOUN
ejif-6202	307	9	.	.	PROPN
ejif-6202	307	10	1	1	NUM
ejif-6202	307	11	,	,	PUNCT
ejif-6202	307	12	p.	p.	NOUN
ejif-6202	307	13	1	1	NUM
ejif-6202	307	14	,	,	PUNCT
ejif-6202	307	15	2018	2018	NUM
ejif-6202	307	16	.	.	PUNCT
ejif-6202	308	1	[	[	X
ejif-6202	308	2	15	15	NUM
ejif-6202	308	3	]	]	X
ejif-6202	308	4	n.	n.	NOUN
ejif-6202	308	5	bussmann	bussmann	PROPN
ejif-6202	308	6	,	,	PUNCT
ejif-6202	308	7	p.	p.	PROPN
ejif-6202	308	8	giudici	giudici	PROPN
ejif-6202	308	9	,	,	PUNCT
ejif-6202	308	10	d.	d.	PROPN
ejif-6202	308	11	marinelli	marinelli	PROPN
ejif-6202	308	12	and	and	CCONJ
ejif-6202	308	13	j.	j.	PROPN
ejif-6202	308	14	papenbrock	papenbrock	PROPN
ejif-6202	308	15	,	,	PUNCT
ejif-6202	308	16	"	"	PUNCT
ejif-6202	308	17	explainable	explainable	ADJ
ejif-6202	308	18	ai	ai	VERB
ejif-6202	308	19	in	in	ADP
ejif-6202	308	20	fintech	fintech	NOUN
ejif-6202	308	21	risk	risk	NOUN
ejif-6202	308	22	management	management	NOUN
ejif-6202	308	23	.	.	PUNCT
ejif-6202	309	1	,	,	PUNCT
ejif-6202	309	2	"	"	PUNCT
ejif-6202	309	3	frontiers	frontier	NOUN
ejif-6202	309	4	in	in	ADP
ejif-6202	309	5	artificial	artificial	ADJ
ejif-6202	309	6	intelligence	intelligence	NOUN
ejif-6202	309	7	,	,	PUNCT
ejif-6202	309	8	vol	vol	NOUN
ejif-6202	309	9	.	.	PROPN
ejif-6202	309	10	3	3	NUM
ejif-6202	309	11	,	,	PUNCT
ejif-6202	309	12	p.	p.	NOUN
ejif-6202	309	13	26	26	NUM
ejif-6202	309	14	,	,	PUNCT
ejif-6202	309	15	2020	2020	NUM
ejif-6202	309	16	.	.	PUNCT
ejif-6202	310	1	[	[	X
ejif-6202	310	2	16	16	NUM
ejif-6202	310	3	]	]	X
ejif-6202	310	4	l.	l.	PROPN
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ejif-6202	310	6	,	,	PUNCT
ejif-6202	310	7	f.	f.	PROPN
ejif-6202	310	8	cai	cai	PROPN
ejif-6202	310	9	and	and	CCONJ
ejif-6202	310	10	y.	y.	PROPN
ejif-6202	310	11	ouyang	ouyang	PROPN
ejif-6202	310	12	,	,	PUNCT
ejif-6202	310	13	"	"	PUNCT
ejif-6202	310	14	applying	apply	VERB
ejif-6202	310	15	a	a	DET
ejif-6202	310	16	nonparametric	nonparametric	ADJ
ejif-6202	310	17	random	random	ADJ
ejif-6202	310	18	forest	forest	NOUN
ejif-6202	310	19	algorithm	algorithm	NOUN
ejif-6202	310	20	to	to	PART
ejif-6202	310	21	assess	assess	VERB
ejif-6202	310	22	the	the	DET
ejif-6202	310	23	credit	credit	NOUN
ejif-6202	310	24	risk	risk	NOUN
ejif-6202	310	25	of	of	ADP
ejif-6202	310	26	the	the	DET
ejif-6202	310	27	energy	energy	NOUN
ejif-6202	310	28	industry	industry	NOUN
ejif-6202	310	29	in	in	ADP
ejif-6202	310	30	china	china	PROPN
ejif-6202	310	31	.	.	PUNCT
ejif-6202	310	32	,	,	PUNCT
ejif-6202	310	33	"	"	PUNCT
ejif-6202	310	34	technological	technological	ADJ
ejif-6202	310	35	forecasting	forecasting	NOUN
ejif-6202	310	36	and	and	CCONJ
ejif-6202	310	37	social	social	ADJ
ejif-6202	310	38	change	change	NOUN
ejif-6202	310	39	,	,	PUNCT
ejif-6202	310	40	vol	vol	NOUN
ejif-6202	310	41	.	.	PUNCT
ejif-6202	311	1	144	144	NUM
ejif-6202	311	2	,	,	PUNCT
ejif-6202	311	3	pp	pp	ADJ
ejif-6202	311	4	.	.	PUNCT
ejif-6202	312	1	563	563	NUM
ejif-6202	312	2	-	-	SYM
ejif-6202	312	3	572	572	NUM
ejif-6202	312	4	,	,	PUNCT
ejif-6202	312	5	2019	2019	NUM
ejif-6202	312	6	.	.	PUNCT
ejif-6202	313	1	[	[	X
ejif-6202	313	2	17	17	NUM
ejif-6202	313	3	]	]	PUNCT
ejif-6202	313	4	m.	m.	NOUN
ejif-6202	313	5	schonlau	schonlau	NOUN
ejif-6202	313	6	and	and	CCONJ
ejif-6202	313	7	r.	r.	PROPN
ejif-6202	313	8	y.	y.	PROPN
ejif-6202	313	9	zou	zou	PROPN
ejif-6202	313	10	,	,	PUNCT
ejif-6202	313	11	"	"	PUNCT
ejif-6202	313	12	the	the	DET
ejif-6202	313	13	random	random	ADJ
ejif-6202	313	14	forest	forest	NOUN
ejif-6202	313	15	algorithm	algorithm	NOUN
ejif-6202	313	16	for	for	ADP
ejif-6202	313	17	statistical	statistical	ADJ
ejif-6202	313	18	learning	learning	NOUN
ejif-6202	313	19	.	.	PUNCT
ejif-6202	314	1	,	,	PUNCT
ejif-6202	314	2	"	"	PUNCT
ejif-6202	314	3	the	the	DET
ejif-6202	314	4	stata	stata	PROPN
ejif-6202	314	5	journal	journal	PROPN
ejif-6202	314	6	,	,	PUNCT
ejif-6202	314	7	vol	vol	NOUN
ejif-6202	314	8	.	.	PROPN
ejif-6202	314	9	20	20	NUM
ejif-6202	314	10	,	,	PUNCT
ejif-6202	314	11	no	no	INTJ
ejif-6202	314	12	.	.	NOUN
ejif-6202	314	13	1	1	NUM
ejif-6202	314	14	,	,	PUNCT
ejif-6202	314	15	pp	pp	ADJ
ejif-6202	314	16	.	.	PUNCT
ejif-6202	315	1	3	3	NUM
ejif-6202	315	2	-	-	SYM
ejif-6202	315	3	29	29	NUM
ejif-6202	315	4	,	,	PUNCT
ejif-6202	315	5	2020	2020	NUM
ejif-6202	315	6	.	.	PUNCT
ejif-6202	316	1	[	[	X
ejif-6202	316	2	18	18	NUM
ejif-6202	316	3	]	]	X
ejif-6202	316	4	n.	n.	NOUN
ejif-6202	316	5	ghatasheh	ghatasheh	NOUN
ejif-6202	316	6	,	,	PUNCT
ejif-6202	316	7	"	"	PUNCT
ejif-6202	316	8	business	business	NOUN
ejif-6202	316	9	analytics	analytic	NOUN
ejif-6202	316	10	using	use	VERB
ejif-6202	316	11	random	random	ADJ
ejif-6202	316	12	forest	forest	NOUN
ejif-6202	316	13	trees	tree	NOUN
ejif-6202	316	14	for	for	ADP
ejif-6202	316	15	credit	credit	NOUN
ejif-6202	316	16	risk	risk	NOUN
ejif-6202	316	17	prediction	prediction	NOUN
ejif-6202	316	18	:	:	PUNCT
ejif-6202	316	19	a	a	DET
ejif-6202	316	20	comparison	comparison	NOUN
ejif-6202	316	21	study	study	NOUN
ejif-6202	316	22	.	.	PUNCT
ejif-6202	316	23	,	,	PUNCT
ejif-6202	316	24	"	"	PUNCT
ejif-6202	316	25	international	international	ADJ
ejif-6202	316	26	journal	journal	NOUN
ejif-6202	316	27	of	of	ADP
ejif-6202	316	28	advanced	advanced	ADJ
ejif-6202	316	29	science	science	NOUN
ejif-6202	316	30	and	and	CCONJ
ejif-6202	316	31	technology	technology	NOUN
ejif-6202	316	32	,	,	PUNCT
ejif-6202	316	33	vol	vol	NOUN
ejif-6202	316	34	.	.	PROPN
ejif-6202	316	35	72	72	NUM
ejif-6202	316	36	,	,	PUNCT
ejif-6202	316	37	pp	pp	ADJ
ejif-6202	316	38	.	.	PUNCT
ejif-6202	317	1	19	19	NUM
ejif-6202	317	2	-	-	SYM
ejif-6202	317	3	30	30	NUM
ejif-6202	317	4	,	,	PUNCT
ejif-6202	317	5	2014	2014	NUM
ejif-6202	317	6	.	.	PUNCT
ejif-6202	318	1	[	[	X
ejif-6202	318	2	19	19	NUM
ejif-6202	318	3	]	]	X
ejif-6202	318	4	austrian	austrian	PROPN
ejif-6202	318	5	red	red	PROPN
ejif-6202	318	6	cross	cross	PROPN
ejif-6202	318	7	,	,	PUNCT
ejif-6202	318	8	"	"	PUNCT
ejif-6202	318	9	central	central	ADJ
ejif-6202	318	10	african	african	ADJ
ejif-6202	318	11	republic	republic	NOUN
ejif-6202	318	12	ssptw	ssptw	NOUN
ejif-6202	318	13	2019	2019	NUM
ejif-6202	318	14	,	,	PUNCT
ejif-6202	318	15	"	"	PUNCT
ejif-6202	318	16	european	european	ADJ
ejif-6202	318	17	country	country	NOUN
ejif-6202	318	18	of	of	ADP
ejif-6202	318	19	origin	origin	NOUN
ejif-6202	318	20	information	information	NOUN
ejif-6202	318	21	network	network	NOUN
ejif-6202	318	22	,	,	PUNCT
ejif-6202	318	23	vienna	vienna	NOUN
ejif-6202	318	24	,	,	PUNCT
ejif-6202	318	25	2019	2019	NUM
ejif-6202	318	26	.	.	PUNCT
ejif-6202	319	1	[	[	X
ejif-6202	319	2	20	20	NUM
ejif-6202	319	3	]	]	PUNCT
ejif-6202	319	4	w.	w.	PROPN
ejif-6202	319	5	a.	a.	PROPN
ejif-6202	319	6	k.	k.	PROPN
ejif-6202	319	7	kouame	kouame	PROPN
ejif-6202	319	8	,	,	PUNCT
ejif-6202	319	9	h.	h.	PROPN
ejif-6202	319	10	t.	t.	PROPN
ejif-6202	319	11	edjigu	edjigu	PROPN
ejif-6202	319	12	,	,	PUNCT
ejif-6202	319	13	n.	n.	NOUN
ejif-6202	319	14	ouattara	ouattara	NOUN
ejif-6202	319	15	and	and	CCONJ
ejif-6202	319	16	s.	s.	PROPN
ejif-6202	319	17	tomi	tomi	PROPN
ejif-6202	319	18	,	,	PUNCT
ejif-6202	319	19	"	"	PUNCT
ejif-6202	319	20	central	central	ADJ
ejif-6202	319	21	african	african	ADJ
ejif-6202	319	22	republic	republic	NOUN
ejif-6202	319	23	economic	economic	ADJ
ejif-6202	319	24	update	update	NOUN
ejif-6202	319	25	:	:	PUNCT
ejif-6202	319	26	the	the	DET
ejif-6202	319	27	central	central	ADJ
ejif-6202	319	28	african	african	ADJ
ejif-6202	319	29	republic	republic	NOUN
ejif-6202	319	30	in	in	ADP
ejif-6202	319	31	times	time	NOUN
ejif-6202	319	32	of	of	ADP
ejif-6202	319	33	covid-19	covid-19	PROPN
ejif-6202	319	34	diversifying	diversify	VERB
ejif-6202	319	35	the	the	DET
ejif-6202	319	36	economy	economy	NOUN
ejif-6202	319	37	to	to	PART
ejif-6202	319	38	build	build	VERB
ejif-6202	319	39	resilience	resilience	NOUN
ejif-6202	319	40	and	and	CCONJ
ejif-6202	319	41	foster	foster	ADJ
ejif-6202	319	42	growth	growth	NOUN
ejif-6202	319	43	,	,	PUNCT
ejif-6202	319	44	"	"	PUNCT
ejif-6202	319	45	world	world	PROPN
ejif-6202	319	46	bank	bank	PROPN
ejif-6202	319	47	group	group	NOUN
ejif-6202	319	48	,	,	PUNCT
ejif-6202	319	49	washington	washington	PROPN
ejif-6202	319	50	,	,	PUNCT
ejif-6202	319	51	2020	2020	NUM
ejif-6202	319	52	.	.	PUNCT
ejif-6202	320	1	[	[	X
ejif-6202	320	2	21	21	NUM
ejif-6202	320	3	]	]	PUNCT
ejif-6202	320	4	a.	a.	NOUN
ejif-6202	320	5	bhide	bhide	NOUN
ejif-6202	320	6	and	and	CCONJ
ejif-6202	320	7	h.	h.	PROPN
ejif-6202	320	8	stevenson	stevenson	PROPN
ejif-6202	320	9	,	,	PUNCT
ejif-6202	320	10	"	"	PUNCT
ejif-6202	320	11	why	why	SCONJ
ejif-6202	320	12	be	be	AUX
ejif-6202	320	13	honest	honest	ADJ
ejif-6202	320	14	if	if	SCONJ
ejif-6202	320	15	honesty	honesty	NOUN
ejif-6202	320	16	does	do	AUX
ejif-6202	320	17	n’t	not	PART
ejif-6202	320	18	pay	pay	VERB
ejif-6202	320	19	,	,	PUNCT
ejif-6202	320	20	"	"	PUNCT
ejif-6202	320	21	harvard	harvard	PROPN
ejif-6202	320	22	business	business	PROPN
ejif-6202	320	23	review	review	PROPN
ejif-6202	320	24	,	,	PUNCT
ejif-6202	320	25	1	1	NUM
ejif-6202	320	26	october	october	NOUN
ejif-6202	320	27	1990	1990	NUM
ejif-6202	320	28	.	.	PUNCT
ejif-6202	321	1	[	[	X
ejif-6202	321	2	online	online	X
ejif-6202	321	3	]	]	X
ejif-6202	321	4	.	.	PUNCT
ejif-6202	322	1	available	available	ADJ
ejif-6202	322	2	:	:	PUNCT
ejif-6202	322	3	https://hbr.org/1990/09/whybe-honest-if-honesty-doesnt-pay	https://hbr.org/1990/09/whybe-honest-if-honesty-doesnt-pay	NOUN
ejif-6202	322	4	.	.	PUNCT
ejif-6202	323	1	[	[	X
ejif-6202	323	2	accessed	access	VERB
ejif-6202	323	3	11	11	NUM
ejif-6202	323	4	december	december	NOUN
ejif-6202	323	5	2021	2021	NUM
ejif-6202	323	6	]	]	PUNCT
ejif-6202	323	7	.	.	PUNCT