id	sid	tid	token	lemma	pos
ejif-6714	1	1	european	european	PROPN
ejif-6714	1	2	journal	journal	PROPN
ejif-6714	1	3	of	of	ADP
ejif-6714	1	4	islamic	islamic	PROPN
ejif-6714	1	5	finance	finance	PROPN
ejif-6714	1	6	issn	issn	PROPN
ejif-6714	1	7	:	:	PUNCT
ejif-6714	1	8	2421	2421	NUM
ejif-6714	1	9	-	-	SYM
ejif-6714	1	10	2172	2172	NUM
ejif-6714	1	11	doi	doi	NOUN
ejif-6714	1	12	:	:	PUNCT
ejif-6714	1	13	10.13135/2421	10.13135/2421	NUM
ejif-6714	1	14	-	-	SYM
ejif-6714	1	15	2172/6714	2172/6714	NUM
ejif-6714	1	16	published	publish	VERB
ejif-6714	1	17	by	by	ADP
ejif-6714	1	18	the	the	DET
ejif-6714	1	19	university	university	PROPN
ejif-6714	1	20	of	of	ADP
ejif-6714	1	21	turin	turin	PROPN
ejif-6714	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	2	2	ejif	ejif	PROPN
ejif-6714	2	3	content	content	NOUN
ejif-6714	2	4	is	be	AUX
ejif-6714	2	5	licensed	license	VERB
ejif-6714	2	6	under	under	ADP
ejif-6714	2	7	a	a	DET
ejif-6714	2	8	creative	creative	ADJ
ejif-6714	2	9	commons	common	NOUN
ejif-6714	2	10	attribution	attribution	NOUN
ejif-6714	2	11	4.0	4.0	NUM
ejif-6714	2	12	international	international	ADJ
ejif-6714	2	13	license	license	NOUN
ejif-6714	2	14	received	receive	VERB
ejif-6714	2	15	:	:	PUNCT
ejif-6714	2	16	25/04/2022	25/04/2022	NUM
ejif-6714	2	17	accepted	accept	VERB
ejif-6714	2	18	for	for	ADP
ejif-6714	2	19	publication	publication	NOUN
ejif-6714	2	20	:	:	PUNCT
ejif-6714	2	21	19/11/2022	19/11/2022	NUM
ejif-6714	2	22	published	publish	VERB
ejif-6714	2	23	:	:	PUNCT
ejif-6714	2	24	29/12/2022	29/12/2022	NUM
ejif-6714	2	25	38	38	NUM
ejif-6714	2	26	islamic	islamic	ADJ
ejif-6714	2	27	bank	bank	NOUN
ejif-6714	2	28	profitability	profitability	NOUN
ejif-6714	2	29	:	:	PUNCT
ejif-6714	2	30	financing	financing	NOUN
ejif-6714	2	31	micro	micro	ADJ
ejif-6714	2	32	and	and	CCONJ
ejif-6714	2	33	small	small	ADJ
ejif-6714	2	34	segment	segment	NOUN
ejif-6714	2	35	,	,	PUNCT
ejif-6714	2	36	promotion	promotion	NOUN
ejif-6714	2	37	,	,	PUNCT
ejif-6714	2	38	financing	financing	NOUN
ejif-6714	2	39	quality	quality	NOUN
ejif-6714	2	40	,	,	PUNCT
ejif-6714	2	41	labor	labor	NOUN
ejif-6714	2	42	aspects	aspect	NOUN
ejif-6714	2	43	(	(	PUNCT
ejif-6714	2	44	indonesia	indonesia	PROPN
ejif-6714	2	45	cases	case	NOUN
ejif-6714	2	46	)	)	PUNCT
ejif-6714	2	47	lucky	lucky	ADJ
ejif-6714	2	48	nugroho1	nugroho1	PROPN
ejif-6714	2	49	,	,	PUNCT
ejif-6714	2	50	federica	federica	PROPN
ejif-6714	2	51	miglietta2	miglietta2	PROPN
ejif-6714	2	52	,	,	PUNCT
ejif-6714	2	53	erik	erik	PROPN
ejif-6714	2	54	nugraha3	nugraha3	PROPN
ejif-6714	2	55	,	,	PUNCT
ejif-6714	2	56	soeharjoto4	soeharjoto4	NOUN
ejif-6714	2	57	1	1	NUM
ejif-6714	2	58	universitas	universitas	PROPN
ejif-6714	2	59	mercu	mercu	PROPN
ejif-6714	2	60	buana	buana	PROPN
ejif-6714	2	61	,	,	PUNCT
ejif-6714	2	62	jakarta	jakarta	PROPN
ejif-6714	2	63	,	,	PUNCT
ejif-6714	2	64	indonesia	indonesia	PROPN
ejif-6714	2	65	.	.	PUNCT
ejif-6714	3	1	correspondence	correspondence	NOUN
ejif-6714	3	2	author	author	NOUN
ejif-6714	3	3	:	:	PUNCT
ejif-6714	3	4	lucky.nugroho@mercubuana.ac.id	lucky.nugroho@mercubuana.ac.id	NUM
ejif-6714	3	5	2	2	NUM
ejif-6714	3	6	università	università	PROPN
ejif-6714	3	7	degli	degli	NOUN
ejif-6714	3	8	studi	studi	PROPN
ejif-6714	3	9	di	di	PROPN
ejif-6714	3	10	bari	bari	PROPN
ejif-6714	3	11	aldo	aldo	PROPN
ejif-6714	3	12	moro	moro	PROPN
ejif-6714	3	13	,	,	PUNCT
ejif-6714	3	14	italy	italy	PROPN
ejif-6714	3	15	3	3	NUM
ejif-6714	3	16	universitas	universitas	PROPN
ejif-6714	3	17	sangga	sangga	PROPN
ejif-6714	3	18	buana	buana	PROPN
ejif-6714	3	19	ypkp	ypkp	PROPN
ejif-6714	3	20	,	,	PUNCT
ejif-6714	3	21	bandung	bandung	PROPN
ejif-6714	3	22	,	,	PUNCT
ejif-6714	3	23	indonesia	indonesia	PROPN
ejif-6714	3	24	4	4	NUM
ejif-6714	3	25	universitas	universita	NOUN
ejif-6714	3	26	trisakti	trisakti	ADJ
ejif-6714	3	27	,	,	PUNCT
ejif-6714	3	28	jakarta	jakarta	PROPN
ejif-6714	3	29	,	,	PUNCT
ejif-6714	3	30	indonesia	indonesia	PROPN
ejif-6714	3	31	abstract	abstract	ADV
ejif-6714	3	32	this	this	DET
ejif-6714	3	33	study	study	NOUN
ejif-6714	3	34	aims	aim	VERB
ejif-6714	3	35	to	to	PART
ejif-6714	3	36	analyze	analyze	VERB
ejif-6714	3	37	the	the	DET
ejif-6714	3	38	effect	effect	NOUN
ejif-6714	3	39	of	of	ADP
ejif-6714	3	40	financing	finance	VERB
ejif-6714	3	41	distribution	distribution	NOUN
ejif-6714	3	42	(	(	PUNCT
ejif-6714	3	43	fdr	fdr	PROPN
ejif-6714	3	44	)	)	PUNCT
ejif-6714	3	45	,	,	PUNCT
ejif-6714	3	46	lending	lend	VERB
ejif-6714	3	47	to	to	ADP
ejif-6714	3	48	micro	micro	ADJ
ejif-6714	3	49	and	and	CCONJ
ejif-6714	3	50	small	small	ADJ
ejif-6714	3	51	business	business	NOUN
ejif-6714	3	52	segments	segment	NOUN
ejif-6714	3	53	(	(	PUNCT
ejif-6714	3	54	msf	msf	NOUN
ejif-6714	3	55	)	)	PUNCT
ejif-6714	3	56	,	,	PUNCT
ejif-6714	3	57	promotion	promotion	NOUN
ejif-6714	3	58	cost	cost	NOUN
ejif-6714	3	59	ratio	ratio	NOUN
ejif-6714	3	60	(	(	PUNCT
ejif-6714	3	61	pcr	pcr	PROPN
ejif-6714	3	62	)	)	PUNCT
ejif-6714	3	63	,	,	PUNCT
ejif-6714	3	64	loan	loan	NOUN
ejif-6714	3	65	quality	quality	NOUN
ejif-6714	3	66	(	(	PUNCT
ejif-6714	3	67	npf	npf	PROPN
ejif-6714	3	68	)	)	PUNCT
ejif-6714	3	69	,	,	PUNCT
ejif-6714	3	70	and	and	CCONJ
ejif-6714	3	71	employee	employee	NOUN
ejif-6714	3	72	productivity	productivity	NOUN
ejif-6714	3	73	ratio	ratio	NOUN
ejif-6714	3	74	(	(	PUNCT
ejif-6714	3	75	lcr	lcr	NOUN
ejif-6714	3	76	)	)	PUNCT
ejif-6714	3	77	on	on	ADP
ejif-6714	3	78	the	the	DET
ejif-6714	3	79	profitability	profitability	NOUN
ejif-6714	3	80	ratio	ratio	NOUN
ejif-6714	3	81	of	of	ADP
ejif-6714	3	82	islamic	islamic	ADJ
ejif-6714	3	83	banks	bank	NOUN
ejif-6714	3	84	(	(	PUNCT
ejif-6714	3	85	return	return	VERB
ejif-6714	3	86	on	on	ADP
ejif-6714	3	87	assets	asset	NOUN
ejif-6714	3	88	-	-	PUNCT
ejif-6714	3	89	roa	roa	NOUN
ejif-6714	3	90	)	)	PUNCT
ejif-6714	3	91	.	.	PUNCT
ejif-6714	4	1	the	the	DET
ejif-6714	4	2	method	method	NOUN
ejif-6714	4	3	used	use	VERB
ejif-6714	4	4	in	in	ADP
ejif-6714	4	5	this	this	DET
ejif-6714	4	6	study	study	NOUN
ejif-6714	4	7	is	be	AUX
ejif-6714	4	8	a	a	DET
ejif-6714	4	9	quantitative	quantitative	ADJ
ejif-6714	4	10	method	method	NOUN
ejif-6714	4	11	using	use	VERB
ejif-6714	4	12	multiple	multiple	ADJ
ejif-6714	4	13	regression	regression	NOUN
ejif-6714	4	14	models	model	NOUN
ejif-6714	4	15	.	.	PUNCT
ejif-6714	5	1	the	the	DET
ejif-6714	5	2	data	datum	NOUN
ejif-6714	5	3	used	use	VERB
ejif-6714	5	4	is	be	AUX
ejif-6714	5	5	secondary	secondary	ADJ
ejif-6714	5	6	data	datum	NOUN
ejif-6714	5	7	from	from	ADP
ejif-6714	5	8	islamic	islamic	ADJ
ejif-6714	5	9	banks	bank	NOUN
ejif-6714	5	10	published	publish	VERB
ejif-6714	5	11	during	during	ADP
ejif-6714	5	12	the	the	DET
ejif-6714	5	13	2012	2012	NUM
ejif-6714	5	14	-	-	SYM
ejif-6714	5	15	2018	2018	NUM
ejif-6714	5	16	period	period	NOUN
ejif-6714	5	17	.	.	PUNCT
ejif-6714	6	1	furthermore	furthermore	ADV
ejif-6714	6	2	,	,	PUNCT
ejif-6714	6	3	the	the	DET
ejif-6714	6	4	number	number	NOUN
ejif-6714	6	5	of	of	ADP
ejif-6714	6	6	samples	sample	NOUN
ejif-6714	6	7	from	from	ADP
ejif-6714	6	8	this	this	DET
ejif-6714	6	9	study	study	NOUN
ejif-6714	6	10	amounted	amount	VERB
ejif-6714	6	11	to	to	ADP
ejif-6714	6	12	42	42	NUM
ejif-6714	6	13	samples	sample	NOUN
ejif-6714	6	14	of	of	ADP
ejif-6714	6	15	islamic	islamic	ADJ
ejif-6714	6	16	commercial	commercial	ADJ
ejif-6714	6	17	banks	bank	NOUN
ejif-6714	6	18	.	.	PUNCT
ejif-6714	7	1	the	the	DET
ejif-6714	7	2	results	result	NOUN
ejif-6714	7	3	of	of	ADP
ejif-6714	7	4	this	this	DET
ejif-6714	7	5	study	study	NOUN
ejif-6714	7	6	are	be	AUX
ejif-6714	7	7	that	that	SCONJ
ejif-6714	7	8	the	the	DET
ejif-6714	7	9	distribution	distribution	NOUN
ejif-6714	7	10	of	of	ADP
ejif-6714	7	11	financing	financing	NOUN
ejif-6714	7	12	(	(	PUNCT
ejif-6714	7	13	fdr	fdr	PROPN
ejif-6714	7	14	)	)	PUNCT
ejif-6714	7	15	has	have	VERB
ejif-6714	7	16	a	a	DET
ejif-6714	7	17	positive	positive	ADJ
ejif-6714	7	18	and	and	CCONJ
ejif-6714	7	19	significant	significant	ADJ
ejif-6714	7	20	effect	effect	NOUN
ejif-6714	7	21	on	on	ADP
ejif-6714	7	22	the	the	DET
ejif-6714	7	23	performance	performance	NOUN
ejif-6714	7	24	of	of	ADP
ejif-6714	7	25	islamic	islamic	ADJ
ejif-6714	7	26	banks	bank	NOUN
ejif-6714	7	27	(	(	PUNCT
ejif-6714	7	28	roa	roa	PROPN
ejif-6714	7	29	)	)	PUNCT
ejif-6714	7	30	,	,	PUNCT
ejif-6714	7	31	and	and	CCONJ
ejif-6714	7	32	the	the	DET
ejif-6714	7	33	distribution	distribution	NOUN
ejif-6714	7	34	of	of	ADP
ejif-6714	7	35	financing	financing	NOUN
ejif-6714	7	36	to	to	ADP
ejif-6714	7	37	the	the	DET
ejif-6714	7	38	micro	micro	ADJ
ejif-6714	7	39	and	and	CCONJ
ejif-6714	7	40	small	small	ADJ
ejif-6714	7	41	business	business	NOUN
ejif-6714	7	42	segment	segment	NOUN
ejif-6714	7	43	has	have	VERB
ejif-6714	7	44	a	a	DET
ejif-6714	7	45	positive	positive	ADJ
ejif-6714	7	46	and	and	CCONJ
ejif-6714	7	47	significant	significant	ADJ
ejif-6714	7	48	effect	effect	NOUN
ejif-6714	7	49	on	on	ADP
ejif-6714	7	50	the	the	DET
ejif-6714	7	51	performance	performance	NOUN
ejif-6714	7	52	of	of	ADP
ejif-6714	7	53	islamic	islamic	ADJ
ejif-6714	7	54	banks	bank	NOUN
ejif-6714	7	55	(	(	PUNCT
ejif-6714	7	56	roa	roa	PROPN
ejif-6714	7	57	)	)	PUNCT
ejif-6714	7	58	.	.	PUNCT
ejif-6714	8	1	in	in	ADP
ejif-6714	8	2	addition	addition	NOUN
ejif-6714	8	3	,	,	PUNCT
ejif-6714	8	4	promotional	promotional	ADJ
ejif-6714	8	5	activities	activity	NOUN
ejif-6714	8	6	and	and	CCONJ
ejif-6714	8	7	employee	employee	NOUN
ejif-6714	8	8	productivity	productivity	NOUN
ejif-6714	8	9	also	also	ADV
ejif-6714	8	10	have	have	VERB
ejif-6714	8	11	a	a	DET
ejif-6714	8	12	positive	positive	ADJ
ejif-6714	8	13	and	and	CCONJ
ejif-6714	8	14	significant	significant	ADJ
ejif-6714	8	15	impact	impact	NOUN
ejif-6714	8	16	on	on	ADP
ejif-6714	8	17	the	the	DET
ejif-6714	8	18	performance	performance	NOUN
ejif-6714	8	19	of	of	ADP
ejif-6714	8	20	islamic	islamic	ADJ
ejif-6714	8	21	banks	bank	NOUN
ejif-6714	8	22	(	(	PUNCT
ejif-6714	8	23	roa	roa	PROPN
ejif-6714	8	24	)	)	PUNCT
ejif-6714	8	25	.	.	PUNCT
ejif-6714	9	1	at	at	ADP
ejif-6714	9	2	the	the	DET
ejif-6714	9	3	same	same	ADJ
ejif-6714	9	4	time	time	NOUN
ejif-6714	9	5	,	,	PUNCT
ejif-6714	9	6	the	the	DET
ejif-6714	9	7	quality	quality	NOUN
ejif-6714	9	8	of	of	ADP
ejif-6714	9	9	financing	financing	NOUN
ejif-6714	9	10	has	have	VERB
ejif-6714	9	11	a	a	DET
ejif-6714	9	12	negative	negative	ADJ
ejif-6714	9	13	and	and	CCONJ
ejif-6714	9	14	significant	significant	ADJ
ejif-6714	9	15	influence	influence	NOUN
ejif-6714	9	16	on	on	ADP
ejif-6714	9	17	the	the	DET
ejif-6714	9	18	performance	performance	NOUN
ejif-6714	9	19	of	of	ADP
ejif-6714	9	20	islamic	islamic	ADJ
ejif-6714	9	21	banks	bank	NOUN
ejif-6714	9	22	(	(	PUNCT
ejif-6714	9	23	roa	roa	PROPN
ejif-6714	9	24	)	)	PUNCT
ejif-6714	9	25	.	.	PUNCT
ejif-6714	10	1	the	the	DET
ejif-6714	10	2	research	research	NOUN
ejif-6714	10	3	implications	implication	NOUN
ejif-6714	10	4	are	be	AUX
ejif-6714	10	5	to	to	PART
ejif-6714	10	6	provide	provide	VERB
ejif-6714	10	7	information	information	NOUN
ejif-6714	10	8	related	relate	VERB
ejif-6714	10	9	to	to	ADP
ejif-6714	10	10	islamic	islamic	PROPN
ejif-6714	10	11	bank	bank	PROPN
ejif-6714	10	12	performance	performance	NOUN
ejif-6714	10	13	research	research	NOUN
ejif-6714	10	14	regarding	regard	VERB
ejif-6714	10	15	promotion	promotion	NOUN
ejif-6714	10	16	effectiveness	effectiveness	NOUN
ejif-6714	10	17	and	and	CCONJ
ejif-6714	10	18	employee	employee	NOUN
ejif-6714	10	19	productivity	productivity	NOUN
ejif-6714	10	20	.	.	PUNCT
ejif-6714	11	1	keywords	keyword	VERB
ejif-6714	11	2	islamic	islamic	PROPN
ejif-6714	11	3	bank	bank	PROPN
ejif-6714	11	4	,	,	PUNCT
ejif-6714	11	5	financing	financing	NOUN
ejif-6714	11	6	,	,	PUNCT
ejif-6714	11	7	micro	micro	ADJ
ejif-6714	11	8	and	and	CCONJ
ejif-6714	11	9	small	small	ADJ
ejif-6714	11	10	financing	financing	NOUN
ejif-6714	11	11	segment	segment	NOUN
ejif-6714	11	12	,	,	PUNCT
ejif-6714	11	13	promotion	promotion	NOUN
ejif-6714	11	14	,	,	PUNCT
ejif-6714	11	15	financing	financing	NOUN
ejif-6714	11	16	quality	quality	NOUN
ejif-6714	11	17	,	,	PUNCT
ejif-6714	11	18	productivity	productivity	NOUN
ejif-6714	11	19	.	.	PUNCT
ejif-6714	12	1	jel	jel	PROPN
ejif-6714	12	2	classification	classification	NOUN
ejif-6714	12	3	:	:	PUNCT
ejif-6714	12	4	g02	g02	NOUN
ejif-6714	12	5	,	,	PUNCT
ejif-6714	12	6	g14	g14	PROPN
ejif-6714	12	7	,	,	PUNCT
ejif-6714	12	8	g21	g21	PROPN
ejif-6714	12	9	i.	i.	PROPN
ejif-6714	12	10	introduction	introduction	PROPN
ejif-6714	12	11	islamic	islamic	PROPN
ejif-6714	12	12	banking	banking	PROPN
ejif-6714	12	13	services	service	NOUN
ejif-6714	12	14	in	in	ADP
ejif-6714	12	15	indonesia	indonesia	PROPN
ejif-6714	12	16	have	have	AUX
ejif-6714	12	17	existed	exist	VERB
ejif-6714	12	18	since	since	SCONJ
ejif-6714	12	19	1992	1992	NUM
ejif-6714	12	20	when	when	SCONJ
ejif-6714	12	21	bank	bank	NOUN
ejif-6714	12	22	muamalat	muamalat	NOUN
ejif-6714	12	23	was	be	AUX
ejif-6714	12	24	the	the	DET
ejif-6714	12	25	first	first	ADJ
ejif-6714	12	26	indonesian	indonesian	PROPN
ejif-6714	12	27	islamic	islamic	PROPN
ejif-6714	12	28	bank	bank	PROPN
ejif-6714	12	29	was	be	AUX
ejif-6714	12	30	established	establish	VERB
ejif-6714	12	31	.	.	PUNCT
ejif-6714	13	1	therefore	therefore	ADV
ejif-6714	13	2	,	,	PUNCT
ejif-6714	13	3	islamic	islamic	ADJ
ejif-6714	13	4	banks	bank	NOUN
ejif-6714	13	5	in	in	ADP
ejif-6714	13	6	indonesia	indonesia	PROPN
ejif-6714	13	7	have	have	AUX
ejif-6714	13	8	served	serve	VERB
ejif-6714	13	9	the	the	DET
ejif-6714	13	10	indonesian	indonesian	ADJ
ejif-6714	13	11	people	people	NOUN
ejif-6714	13	12	for	for	ADP
ejif-6714	13	13	29	29	NUM
ejif-6714	13	14	years	year	NOUN
ejif-6714	13	15	and	and	CCONJ
ejif-6714	13	16	should	should	AUX
ejif-6714	13	17	improve	improve	VERB
ejif-6714	13	18	the	the	DET
ejif-6714	13	19	indonesian	indonesian	ADJ
ejif-6714	13	20	people	people	NOUN
ejif-6714	13	21	's	's	PART
ejif-6714	13	22	welfare	welfare	NOUN
ejif-6714	13	23	.	.	PUNCT
ejif-6714	14	1	this	this	PRON
ejif-6714	14	2	follows	follow	VERB
ejif-6714	14	3	the	the	DET
ejif-6714	14	4	objectives	objective	NOUN
ejif-6714	14	5	of	of	ADP
ejif-6714	14	6	islamic	islamic	ADJ
ejif-6714	14	7	banks	bank	NOUN
ejif-6714	14	8	,	,	PUNCT
ejif-6714	14	9	namely	namely	ADV
ejif-6714	14	10	,	,	PUNCT
ejif-6714	14	11	creating	create	VERB
ejif-6714	14	12	the	the	DET
ejif-6714	14	13	social	social	ADJ
ejif-6714	14	14	wellbeing	wellbeing	NOUN
ejif-6714	14	15	of	of	ADP
ejif-6714	14	16	humanity	humanity	NOUN
ejif-6714	14	17	[	[	X
ejif-6714	14	18	1	1	NUM
ejif-6714	14	19	]	]	PUNCT
ejif-6714	14	20	,	,	PUNCT
ejif-6714	14	21	[	[	X
ejif-6714	14	22	2	2	NUM
ejif-6714	14	23	]	]	PUNCT
ejif-6714	14	24	.	.	PUNCT
ejif-6714	15	1	however	however	ADV
ejif-6714	15	2	,	,	PUNCT
ejif-6714	15	3	the	the	DET
ejif-6714	15	4	current	current	ADJ
ejif-6714	15	5	phenomenon	phenomenon	NOUN
ejif-6714	15	6	is	be	AUX
ejif-6714	15	7	that	that	SCONJ
ejif-6714	15	8	the	the	DET
ejif-6714	15	9	performance	performance	NOUN
ejif-6714	15	10	of	of	ADP
ejif-6714	15	11	islamic	islamic	ADJ
ejif-6714	15	12	banks	bank	NOUN
ejif-6714	15	13	still	still	ADV
ejif-6714	15	14	has	have	VERB
ejif-6714	15	15	challenges	challenge	NOUN
ejif-6714	15	16	,	,	PUNCT
ejif-6714	15	17	as	as	SCONJ
ejif-6714	15	18	indicated	indicate	VERB
ejif-6714	15	19	by	by	ADP
ejif-6714	15	20	the	the	DET
ejif-6714	15	21	market	market	NOUN
ejif-6714	15	22	share	share	NOUN
ejif-6714	15	23	for	for	ADP
ejif-6714	15	24	29	29	NUM
ejif-6714	15	25	years	year	NOUN
ejif-6714	15	26	that	that	PRON
ejif-6714	15	27	has	have	AUX
ejif-6714	15	28	not	not	PART
ejif-6714	15	29	been	be	AUX
ejif-6714	15	30	able	able	ADJ
ejif-6714	15	31	to	to	PART
ejif-6714	15	32	reach	reach	VERB
ejif-6714	15	33	10	10	NUM
ejif-6714	15	34	%	%	NOUN
ejif-6714	15	35	.	.	PUNCT
ejif-6714	16	1	figure	figure	NOUN
ejif-6714	16	2	1	1	NUM
ejif-6714	16	3	.	.	PUNCT
ejif-6714	17	1	below	below	ADV
ejif-6714	17	2	is	be	AUX
ejif-6714	17	3	the	the	DET
ejif-6714	17	4	achievement	achievement	NOUN
ejif-6714	17	5	of	of	ADP
ejif-6714	17	6	islamic	islamic	PROPN
ejif-6714	17	7	bank	bank	PROPN
ejif-6714	17	8	market	market	NOUN
ejif-6714	17	9	shares	share	NOUN
ejif-6714	17	10	in	in	ADP
ejif-6714	17	11	the	the	DET
ejif-6714	17	12	last	last	ADJ
ejif-6714	17	13	four	four	NUM
ejif-6714	17	14	years	year	NOUN
ejif-6714	17	15	:	:	PUNCT
ejif-6714	17	16	figure	figure	NOUN
ejif-6714	17	17	1	1	NUM
ejif-6714	17	18	.	.	PUNCT
ejif-6714	18	1	development	development	NOUN
ejif-6714	18	2	of	of	ADP
ejif-6714	18	3	islamic	islamic	PROPN
ejif-6714	18	4	bank	bank	PROPN
ejif-6714	18	5	market	market	NOUN
ejif-6714	18	6	share	share	NOUN
ejif-6714	18	7	for	for	ADP
ejif-6714	18	8	the	the	DET
ejif-6714	18	9	2017	2017	NUM
ejif-6714	18	10	-	-	SYM
ejif-6714	18	11	2020	2020	NUM
ejif-6714	18	12	period	period	NOUN
ejif-6714	18	13	source	source	NOUN
ejif-6714	18	14	:	:	PUNCT
ejif-6714	19	1	[	[	X
ejif-6714	19	2	3	3	NUM
ejif-6714	19	3	]	]	PUNCT
ejif-6714	19	4	based	base	VERB
ejif-6714	19	5	on	on	ADP
ejif-6714	19	6	figure	figure	NOUN
ejif-6714	19	7	1	1	NUM
ejif-6714	19	8	above	above	ADV
ejif-6714	19	9	,	,	PUNCT
ejif-6714	19	10	the	the	DET
ejif-6714	19	11	growth	growth	NOUN
ejif-6714	19	12	of	of	ADP
ejif-6714	19	13	the	the	DET
ejif-6714	19	14	islamic	islamic	ADJ
ejif-6714	19	15	banking	banking	NOUN
ejif-6714	19	16	market	market	NOUN
ejif-6714	19	17	share	share	NOUN
ejif-6714	19	18	is	be	AUX
ejif-6714	19	19	6.34	6.34	NUM
ejif-6714	19	20	%	%	NOUN
ejif-6714	19	21	.	.	PUNCT
ejif-6714	20	1	therefore	therefore	ADV
ejif-6714	20	2	,	,	PUNCT
ejif-6714	20	3	if	if	SCONJ
ejif-6714	20	4	islamic	islamic	ADJ
ejif-6714	20	5	banks	bank	NOUN
ejif-6714	20	6	have	have	AUX
ejif-6714	20	7	existed	exist	VERB
ejif-6714	20	8	for	for	ADP
ejif-6714	20	9	29	29	NUM
ejif-6714	20	10	years	year	NOUN
ejif-6714	20	11	,	,	PUNCT
ejif-6714	20	12	the	the	DET
ejif-6714	20	13	market	market	NOUN
ejif-6714	20	14	share	share	NOUN
ejif-6714	20	15	growth	growth	NOUN
ejif-6714	20	16	per	per	ADP
ejif-6714	20	17	year	year	NOUN
ejif-6714	20	18	grows	grow	VERB
ejif-6714	20	19	by	by	ADP
ejif-6714	20	20	0.22	0.22	NUM
ejif-6714	20	21	%	%	NOUN
ejif-6714	20	22	.	.	PUNCT
ejif-6714	21	1	this	this	DET
ejif-6714	21	2	condition	condition	NOUN
ejif-6714	21	3	is	be	AUX
ejif-6714	21	4	contrary	contrary	ADJ
ejif-6714	21	5	to	to	ADP
ejif-6714	21	6	the	the	DET
ejif-6714	21	7	market	market	NOUN
ejif-6714	21	8	potential	potential	NOUN
ejif-6714	21	9	of	of	ADP
ejif-6714	21	10	indonesia	indonesia	PROPN
ejif-6714	21	11	as	as	ADP
ejif-6714	21	12	the	the	DET
ejif-6714	21	13	country	country	NOUN
ejif-6714	21	14	with	with	ADP
ejif-6714	21	15	the	the	DET
ejif-6714	21	16	most	most	ADV
ejif-6714	21	17	significant	significant	ADJ
ejif-6714	21	18	number	number	NOUN
ejif-6714	21	19	of	of	ADP
ejif-6714	21	20	muslims	muslims	PROPN
ejif-6714	21	21	in	in	ADP
ejif-6714	21	22	the	the	DET
ejif-6714	21	23	world	world	NOUN
ejif-6714	22	1	[	[	X
ejif-6714	22	2	4	4	NUM
ejif-6714	22	3	]	]	PUNCT
ejif-6714	22	4	.	.	PUNCT
ejif-6714	23	1	in	in	ADP
ejif-6714	23	2	addition	addition	NOUN
ejif-6714	23	3	,	,	PUNCT
ejif-6714	23	4	the	the	DET
ejif-6714	23	5	government	government	NOUN
ejif-6714	23	6	has	have	VERB
ejif-6714	23	7	a	a	DET
ejif-6714	23	8	plan	plan	NOUN
ejif-6714	23	9	to	to	PART
ejif-6714	23	10	make	make	VERB
ejif-6714	23	11	indonesia	indonesia	PROPN
ejif-6714	23	12	the	the	DET
ejif-6714	23	13	center	center	NOUN
ejif-6714	23	14	of	of	ADP
ejif-6714	23	15	the	the	DET
ejif-6714	23	16	islamic	islamic	ADJ
ejif-6714	23	17	economy	economy	NOUN
ejif-6714	23	18	and	and	CCONJ
ejif-6714	23	19	finance	finance	NOUN
ejif-6714	23	20	in	in	ADP
ejif-6714	23	21	the	the	DET
ejif-6714	23	22	world	world	NOUN
ejif-6714	23	23	.	.	PUNCT
ejif-6714	24	1	therefore	therefore	ADV
ejif-6714	24	2	,	,	PUNCT
ejif-6714	24	3	the	the	DET
ejif-6714	24	4	government	government	NOUN
ejif-6714	24	5	should	should	AUX
ejif-6714	24	6	have	have	VERB
ejif-6714	24	7	a	a	DET
ejif-6714	24	8	program	program	NOUN
ejif-6714	24	9	to	to	PART
ejif-6714	24	10	increase	increase	VERB
ejif-6714	24	11	the	the	DET
ejif-6714	24	12	market	market	NOUN
ejif-6714	24	13	share	share	NOUN
ejif-6714	24	14	of	of	ADP
ejif-6714	24	15	islamic	islamic	ADJ
ejif-6714	24	16	banks	bank	NOUN
ejif-6714	24	17	to	to	PART
ejif-6714	24	18	increase	increase	VERB
ejif-6714	24	19	the	the	DET
ejif-6714	24	20	number	number	NOUN
ejif-6714	24	21	of	of	ADP
ejif-6714	24	22	people	people	NOUN
ejif-6714	24	23	using	use	VERB
ejif-6714	24	24	the	the	DET
ejif-6714	24	25	products	product	NOUN
ejif-6714	24	26	and	and	CCONJ
ejif-6714	24	27	services	service	NOUN
ejif-6714	24	28	of	of	ADP
ejif-6714	24	29	islamic	islamic	ADJ
ejif-6714	24	30	banks	bank	NOUN
ejif-6714	24	31	[	[	X
ejif-6714	24	32	5	5	NUM
ejif-6714	24	33	]	]	PUNCT
ejif-6714	24	34	.	.	PUNCT
ejif-6714	25	1	furthermore	furthermore	ADV
ejif-6714	25	2	,	,	PUNCT
ejif-6714	25	3	compared	compare	VERB
ejif-6714	25	4	to	to	ADP
ejif-6714	25	5	other	other	ADJ
ejif-6714	25	6	countries	country	NOUN
ejif-6714	25	7	,	,	PUNCT
ejif-6714	25	8	the	the	DET
ejif-6714	25	9	performance	performance	NOUN
ejif-6714	25	10	of	of	ADP
ejif-6714	25	11	islamic	islamic	ADJ
ejif-6714	25	12	banks	bank	NOUN
ejif-6714	25	13	in	in	ADP
ejif-6714	25	14	indonesia	indonesia	PROPN
ejif-6714	25	15	still	still	ADV
ejif-6714	25	16	needs	need	VERB
ejif-6714	25	17	to	to	PART
ejif-6714	25	18	be	be	AUX
ejif-6714	25	19	improved	improve	VERB
ejif-6714	25	20	.	.	PUNCT
ejif-6714	26	1	this	this	DET
ejif-6714	26	2	phenomenon	phenomenon	NOUN
ejif-6714	26	3	is	be	AUX
ejif-6714	26	4	shown	show	VERB
ejif-6714	26	5	in	in	ADP
ejif-6714	26	6	figure	figure	NOUN
ejif-6714	26	7	2	2	NUM
ejif-6714	26	8	below	below	ADV
ejif-6714	26	9	:	:	PUNCT
ejif-6714	26	10	european	european	PROPN
ejif-6714	26	11	journal	journal	PROPN
ejif-6714	26	12	of	of	ADP
ejif-6714	26	13	islamic	islamic	PROPN
ejif-6714	26	14	finance	finance	PROPN
ejif-6714	26	15	issn	issn	PROPN
ejif-6714	26	16	:	:	PUNCT
ejif-6714	26	17	2421	2421	NUM
ejif-6714	26	18	-	-	SYM
ejif-6714	26	19	2172	2172	NUM
ejif-6714	26	20	doi	doi	NOUN
ejif-6714	26	21	:	:	PUNCT
ejif-6714	26	22	10.13135/2421	10.13135/2421	NUM
ejif-6714	26	23	-	-	SYM
ejif-6714	26	24	2172/6714	2172/6714	NUM
ejif-6714	26	25	published	publish	VERB
ejif-6714	26	26	by	by	ADP
ejif-6714	26	27	the	the	DET
ejif-6714	26	28	university	university	PROPN
ejif-6714	26	29	of	of	ADP
ejif-6714	26	30	turin	turin	PROPN
ejif-6714	27	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	27	2	ejif	ejif	PROPN
ejif-6714	27	3	content	content	NOUN
ejif-6714	27	4	is	be	AUX
ejif-6714	27	5	licensed	license	VERB
ejif-6714	27	6	under	under	ADP
ejif-6714	27	7	a	a	DET
ejif-6714	27	8	creative	creative	ADJ
ejif-6714	27	9	commons	common	NOUN
ejif-6714	27	10	attribution	attribution	NOUN
ejif-6714	27	11	4.0	4.0	NUM
ejif-6714	27	12	international	international	ADJ
ejif-6714	27	13	license	license	NOUN
ejif-6714	27	14	received	receive	VERB
ejif-6714	27	15	:	:	PUNCT
ejif-6714	27	16	25/04/2022	25/04/2022	NUM
ejif-6714	27	17	accepted	accept	VERB
ejif-6714	27	18	for	for	ADP
ejif-6714	27	19	publication	publication	NOUN
ejif-6714	27	20	:	:	PUNCT
ejif-6714	27	21	19/11/2022	19/11/2022	NUM
ejif-6714	27	22	published	publish	VERB
ejif-6714	27	23	:	:	PUNCT
ejif-6714	27	24	29/12/2022	29/12/2022	NUM
ejif-6714	27	25	39	39	NUM
ejif-6714	27	26	figure	figure	NOUN
ejif-6714	27	27	2	2	NUM
ejif-6714	27	28	.	.	PUNCT
ejif-6714	27	29	return	return	VERB
ejif-6714	27	30	on	on	ADP
ejif-6714	27	31	assets	asset	NOUN
ejif-6714	27	32	(	(	PUNCT
ejif-6714	27	33	roa	roa	NOUN
ejif-6714	27	34	)	)	PUNCT
ejif-6714	27	35	of	of	ADP
ejif-6714	27	36	indonesian	indonesian	ADJ
ejif-6714	27	37	islamic	islamic	ADJ
ejif-6714	27	38	banks	bank	NOUN
ejif-6714	27	39	and	and	CCONJ
ejif-6714	27	40	islamic	islamic	ADJ
ejif-6714	27	41	banks	bank	NOUN
ejif-6714	27	42	in	in	ADP
ejif-6714	27	43	middle	middle	ADJ
ejif-6714	27	44	eastern	eastern	ADJ
ejif-6714	27	45	countries	country	NOUN
ejif-6714	27	46	source	source	NOUN
ejif-6714	27	47	:	:	PUNCT
ejif-6714	28	1	[	[	X
ejif-6714	28	2	6	6	NUM
ejif-6714	28	3	]	]	PUNCT
ejif-6714	28	4	referring	refer	VERB
ejif-6714	28	5	to	to	PART
ejif-6714	28	6	figure	figure	VERB
ejif-6714	28	7	2	2	NUM
ejif-6714	28	8	above	above	ADV
ejif-6714	28	9	,	,	PUNCT
ejif-6714	28	10	islamic	islamic	ADJ
ejif-6714	28	11	banks	bank	NOUN
ejif-6714	28	12	in	in	ADP
ejif-6714	28	13	indonesia	indonesia	PROPN
ejif-6714	28	14	have	have	VERB
ejif-6714	28	15	the	the	DET
ejif-6714	28	16	lowest	low	ADJ
ejif-6714	28	17	return	return	NOUN
ejif-6714	28	18	on	on	ADP
ejif-6714	28	19	assets	asset	NOUN
ejif-6714	28	20	(	(	PUNCT
ejif-6714	28	21	roa	roa	NOUN
ejif-6714	28	22	)	)	PUNCT
ejif-6714	28	23	level	level	NOUN
ejif-6714	28	24	compared	compare	VERB
ejif-6714	28	25	to	to	ADP
ejif-6714	28	26	10	10	NUM
ejif-6714	28	27	other	other	ADJ
ejif-6714	28	28	countries	country	NOUN
ejif-6714	28	29	in	in	ADP
ejif-6714	28	30	the	the	DET
ejif-6714	28	31	middle	middle	PROPN
ejif-6714	28	32	east	east	PROPN
ejif-6714	28	33	.	.	PUNCT
ejif-6714	29	1	thus	thus	ADV
ejif-6714	29	2	,	,	PUNCT
ejif-6714	29	3	the	the	DET
ejif-6714	29	4	performance	performance	NOUN
ejif-6714	29	5	and	and	CCONJ
ejif-6714	29	6	profitability	profitability	NOUN
ejif-6714	29	7	of	of	ADP
ejif-6714	29	8	islamic	islamic	ADJ
ejif-6714	29	9	banks	bank	NOUN
ejif-6714	29	10	in	in	ADP
ejif-6714	29	11	indonesia	indonesia	PROPN
ejif-6714	29	12	still	still	ADV
ejif-6714	29	13	need	need	VERB
ejif-6714	29	14	to	to	PART
ejif-6714	29	15	be	be	AUX
ejif-6714	29	16	improved	improve	VERB
ejif-6714	29	17	.	.	PUNCT
ejif-6714	30	1	based	base	VERB
ejif-6714	30	2	on	on	ADP
ejif-6714	30	3	the	the	DET
ejif-6714	30	4	phenomenon	phenomenon	NOUN
ejif-6714	30	5	of	of	ADP
ejif-6714	30	6	low	low	ADJ
ejif-6714	30	7	roa	roa	NOUN
ejif-6714	30	8	in	in	ADP
ejif-6714	30	9	the	the	DET
ejif-6714	30	10	indonesian	indonesian	ADJ
ejif-6714	30	11	islamic	islamic	PROPN
ejif-6714	30	12	banking	banking	NOUN
ejif-6714	30	13	industry	industry	NOUN
ejif-6714	30	14	,	,	PUNCT
ejif-6714	30	15	islamic	islamic	ADJ
ejif-6714	30	16	banks	bank	NOUN
ejif-6714	30	17	'	'	PART
ejif-6714	30	18	contribution	contribution	NOUN
ejif-6714	30	19	to	to	ADP
ejif-6714	30	20	improving	improve	VERB
ejif-6714	30	21	people	people	NOUN
ejif-6714	30	22	's	's	PART
ejif-6714	30	23	welfare	welfare	NOUN
ejif-6714	30	24	in	in	ADP
ejif-6714	30	25	indonesia	indonesia	PROPN
ejif-6714	30	26	is	be	AUX
ejif-6714	30	27	still	still	ADV
ejif-6714	30	28	not	not	PART
ejif-6714	30	29	optimal	optimal	ADJ
ejif-6714	30	30	[	[	X
ejif-6714	30	31	7	7	NUM
ejif-6714	30	32	]	]	PUNCT
ejif-6714	30	33	.	.	PUNCT
ejif-6714	31	1	furthermore	furthermore	ADV
ejif-6714	31	2	,	,	PUNCT
ejif-6714	31	3	to	to	PART
ejif-6714	31	4	improve	improve	VERB
ejif-6714	31	5	the	the	DET
ejif-6714	31	6	performance	performance	NOUN
ejif-6714	31	7	of	of	ADP
ejif-6714	31	8	islamic	islamic	ADJ
ejif-6714	31	9	banks	bank	NOUN
ejif-6714	31	10	,	,	PUNCT
ejif-6714	31	11	it	it	PRON
ejif-6714	31	12	is	be	AUX
ejif-6714	31	13	necessary	necessary	ADJ
ejif-6714	31	14	to	to	PART
ejif-6714	31	15	optimize	optimize	VERB
ejif-6714	31	16	product	product	NOUN
ejif-6714	31	17	sales	sale	NOUN
ejif-6714	31	18	from	from	ADP
ejif-6714	31	19	islamic	islamic	ADJ
ejif-6714	31	20	banks	bank	NOUN
ejif-6714	31	21	.	.	PUNCT
ejif-6714	32	1	the	the	DET
ejif-6714	32	2	main	main	ADJ
ejif-6714	32	3	product	product	NOUN
ejif-6714	32	4	of	of	ADP
ejif-6714	32	5	islamic	islamic	ADJ
ejif-6714	32	6	banks	bank	NOUN
ejif-6714	32	7	that	that	PRON
ejif-6714	32	8	directly	directly	ADV
ejif-6714	32	9	increases	increase	VERB
ejif-6714	32	10	revenue	revenue	NOUN
ejif-6714	32	11	is	be	AUX
ejif-6714	32	12	the	the	DET
ejif-6714	32	13	distribution	distribution	NOUN
ejif-6714	32	14	of	of	ADP
ejif-6714	32	15	financing	financing	NOUN
ejif-6714	32	16	.	.	PUNCT
ejif-6714	33	1	financing	financing	NOUN
ejif-6714	33	2	in	in	ADP
ejif-6714	33	3	islamic	islamic	ADJ
ejif-6714	33	4	banks	bank	NOUN
ejif-6714	33	5	is	be	AUX
ejif-6714	33	6	the	the	DET
ejif-6714	33	7	distribution	distribution	NOUN
ejif-6714	33	8	of	of	ADP
ejif-6714	33	9	loans	loan	NOUN
ejif-6714	33	10	with	with	ADP
ejif-6714	33	11	shariah	shariah	PROPN
ejif-6714	33	12	contracts	contract	NOUN
ejif-6714	33	13	consisting	consist	VERB
ejif-6714	33	14	of	of	ADP
ejif-6714	33	15	buying	buy	VERB
ejif-6714	33	16	and	and	CCONJ
ejif-6714	33	17	selling	sell	VERB
ejif-6714	33	18	contracts	contract	NOUN
ejif-6714	33	19	(	(	PUNCT
ejif-6714	33	20	murabahah	murabahah	PROPN
ejif-6714	33	21	,	,	PUNCT
ejif-6714	33	22	istishna	istishna	PROPN
ejif-6714	33	23	,	,	PUNCT
ejif-6714	33	24	salam	salam	PROPN
ejif-6714	33	25	)	)	PUNCT
ejif-6714	33	26	and	and	CCONJ
ejif-6714	33	27	cooperation	cooperation	NOUN
ejif-6714	33	28	contracts	contract	NOUN
ejif-6714	33	29	(	(	PUNCT
ejif-6714	33	30	mudharabah	mudharabah	NOUN
ejif-6714	33	31	and	and	CCONJ
ejif-6714	33	32	musharakah	musharakah	PROPN
ejif-6714	33	33	)	)	PUNCT
ejif-6714	33	34	,	,	PUNCT
ejif-6714	33	35	and	and	CCONJ
ejif-6714	33	36	rental	rental	ADJ
ejif-6714	33	37	contracts	contract	NOUN
ejif-6714	33	38	(	(	PUNCT
ejif-6714	33	39	ijarah	ijarah	PROPN
ejif-6714	33	40	)	)	PUNCT
ejif-6714	34	1	[	[	X
ejif-6714	34	2	8	8	NUM
ejif-6714	34	3	]	]	PUNCT
ejif-6714	34	4	.	.	PUNCT
ejif-6714	35	1	if	if	SCONJ
ejif-6714	35	2	the	the	DET
ejif-6714	35	3	distribution	distribution	NOUN
ejif-6714	35	4	of	of	ADP
ejif-6714	35	5	financing	financing	NOUN
ejif-6714	35	6	increases	increase	NOUN
ejif-6714	35	7	,	,	PUNCT
ejif-6714	35	8	it	it	PRON
ejif-6714	35	9	has	have	VERB
ejif-6714	35	10	the	the	DET
ejif-6714	35	11	potential	potential	NOUN
ejif-6714	35	12	to	to	PART
ejif-6714	35	13	increase	increase	VERB
ejif-6714	35	14	income	income	NOUN
ejif-6714	35	15	from	from	ADP
ejif-6714	35	16	islamic	islamic	ADJ
ejif-6714	35	17	banks	bank	NOUN
ejif-6714	35	18	.	.	PUNCT
ejif-6714	36	1	the	the	DET
ejif-6714	36	2	type	type	NOUN
ejif-6714	36	3	of	of	ADP
ejif-6714	36	4	income	income	NOUN
ejif-6714	36	5	from	from	ADP
ejif-6714	36	6	islamic	islamic	PROPN
ejif-6714	36	7	bank	bank	PROPN
ejif-6714	36	8	financing	financing	NOUN
ejif-6714	36	9	depends	depend	VERB
ejif-6714	36	10	on	on	ADP
ejif-6714	36	11	the	the	DET
ejif-6714	36	12	financing	financing	NOUN
ejif-6714	36	13	contracts	contract	NOUN
ejif-6714	36	14	distributed	distribute	VERB
ejif-6714	36	15	by	by	ADP
ejif-6714	36	16	islamic	islamic	ADJ
ejif-6714	36	17	banks	bank	NOUN
ejif-6714	36	18	.	.	PUNCT
ejif-6714	37	1	income	income	NOUN
ejif-6714	37	2	from	from	ADP
ejif-6714	37	3	islamic	islamic	ADJ
ejif-6714	37	4	banks	bank	NOUN
ejif-6714	37	5	can	can	AUX
ejif-6714	37	6	be	be	AUX
ejif-6714	37	7	margin	margin	NOUN
ejif-6714	37	8	,	,	PUNCT
ejif-6714	37	9	ujroh	ujroh	NOUN
ejif-6714	37	10	(	(	PUNCT
ejif-6714	37	11	fee	fee	NOUN
ejif-6714	37	12	)	)	PUNCT
ejif-6714	37	13	,	,	PUNCT
ejif-6714	37	14	or	or	CCONJ
ejif-6714	37	15	profit	profit	NOUN
ejif-6714	37	16	-	-	PUNCT
ejif-6714	37	17	sharing	share	VERB
ejif-6714	37	18	ratio	ratio	NOUN
ejif-6714	38	1	[	[	X
ejif-6714	38	2	9	9	NUM
ejif-6714	38	3	]	]	PUNCT
ejif-6714	38	4	.	.	PUNCT
ejif-6714	39	1	in	in	ADP
ejif-6714	39	2	addition	addition	NOUN
ejif-6714	39	3	to	to	ADP
ejif-6714	39	4	optimizing	optimize	VERB
ejif-6714	39	5	the	the	DET
ejif-6714	39	6	distribution	distribution	NOUN
ejif-6714	39	7	of	of	ADP
ejif-6714	39	8	financing	financing	NOUN
ejif-6714	39	9	to	to	PART
ejif-6714	39	10	improve	improve	VERB
ejif-6714	39	11	performance	performance	NOUN
ejif-6714	39	12	,	,	PUNCT
ejif-6714	39	13	islamic	islamic	ADJ
ejif-6714	39	14	banks	bank	NOUN
ejif-6714	39	15	also	also	ADV
ejif-6714	39	16	need	need	VERB
ejif-6714	39	17	to	to	PART
ejif-6714	39	18	improve	improve	VERB
ejif-6714	39	19	performance	performance	NOUN
ejif-6714	39	20	by	by	ADP
ejif-6714	39	21	focusing	focus	VERB
ejif-6714	39	22	on	on	ADP
ejif-6714	39	23	business	business	NOUN
ejif-6714	39	24	segments	segment	NOUN
ejif-6714	39	25	,	,	PUNCT
ejif-6714	39	26	namely	namely	ADV
ejif-6714	39	27	the	the	DET
ejif-6714	39	28	distribution	distribution	NOUN
ejif-6714	39	29	of	of	ADP
ejif-6714	39	30	financing	financing	NOUN
ejif-6714	39	31	to	to	ADP
ejif-6714	39	32	the	the	DET
ejif-6714	39	33	micro	micro	ADJ
ejif-6714	39	34	and	and	CCONJ
ejif-6714	39	35	small	small	ADJ
ejif-6714	39	36	business	business	NOUN
ejif-6714	39	37	sectors	sector	NOUN
ejif-6714	39	38	.	.	PUNCT
ejif-6714	40	1	dusuki	dusuki	NOUN
ejif-6714	40	2	(	(	PUNCT
ejif-6714	40	3	2007	2007	NUM
ejif-6714	40	4	)	)	PUNCT
ejif-6714	40	5	and	and	CCONJ
ejif-6714	40	6	arafah	arafah	VERB
ejif-6714	40	7	&	&	CCONJ
ejif-6714	40	8	nugroho	nugroho	PROPN
ejif-6714	40	9	(	(	PUNCT
ejif-6714	40	10	2016	2016	NUM
ejif-6714	40	11	)	)	PUNCT
ejif-6714	41	1	[	[	X
ejif-6714	41	2	10	10	NUM
ejif-6714	41	3	]	]	PUNCT
ejif-6714	41	4	,	,	PUNCT
ejif-6714	41	5	[	[	X
ejif-6714	41	6	11	11	NUM
ejif-6714	41	7	]	]	PUNCT
ejif-6714	41	8	state	state	NOUN
ejif-6714	41	9	that	that	SCONJ
ejif-6714	41	10	islamic	islamic	ADJ
ejif-6714	41	11	banks	bank	NOUN
ejif-6714	41	12	as	as	ADP
ejif-6714	41	13	banks	bank	NOUN
ejif-6714	41	14	that	that	PRON
ejif-6714	41	15	carry	carry	VERB
ejif-6714	41	16	out	out	ADP
ejif-6714	41	17	their	their	PRON
ejif-6714	41	18	business	business	NOUN
ejif-6714	41	19	activities	activity	NOUN
ejif-6714	41	20	based	base	VERB
ejif-6714	41	21	on	on	ADP
ejif-6714	41	22	sharia	sharia	PROPN
ejif-6714	41	23	principles	principle	NOUN
ejif-6714	41	24	,	,	PUNCT
ejif-6714	41	25	must	must	AUX
ejif-6714	41	26	concern	concern	NOUN
ejif-6714	41	27	micro	micro	PROPN
ejif-6714	41	28	and	and	CCONJ
ejif-6714	41	29	small	small	ADJ
ejif-6714	41	30	entrepreneurs	entrepreneur	NOUN
ejif-6714	41	31	.	.	PUNCT
ejif-6714	42	1	the	the	DET
ejif-6714	42	2	majority	majority	NOUN
ejif-6714	42	3	of	of	ADP
ejif-6714	42	4	economic	economic	ADJ
ejif-6714	42	5	actors	actor	NOUN
ejif-6714	42	6	in	in	ADP
ejif-6714	42	7	indonesia	indonesia	PROPN
ejif-6714	42	8	are	be	AUX
ejif-6714	42	9	micro	micro	ADJ
ejif-6714	42	10	and	and	CCONJ
ejif-6714	42	11	small	small	ADJ
ejif-6714	42	12	entrepreneurs	entrepreneur	NOUN
ejif-6714	42	13	.	.	PUNCT
ejif-6714	43	1	so	so	ADV
ejif-6714	43	2	,	,	PUNCT
ejif-6714	43	3	focusing	focus	VERB
ejif-6714	43	4	on	on	ADP
ejif-6714	43	5	channeling	channel	VERB
ejif-6714	43	6	financing	financing	NOUN
ejif-6714	43	7	to	to	ADP
ejif-6714	43	8	the	the	DET
ejif-6714	43	9	micro	micro	ADJ
ejif-6714	43	10	and	and	CCONJ
ejif-6714	43	11	small	small	ADJ
ejif-6714	43	12	business	business	NOUN
ejif-6714	43	13	sectors	sector	NOUN
ejif-6714	43	14	will	will	AUX
ejif-6714	43	15	impact	impact	VERB
ejif-6714	43	16	helping	help	VERB
ejif-6714	43	17	to	to	PART
ejif-6714	43	18	increase	increase	VERB
ejif-6714	43	19	their	their	PRON
ejif-6714	43	20	business	business	NOUN
ejif-6714	43	21	sales	sale	NOUN
ejif-6714	43	22	turnover	turnover	NOUN
ejif-6714	43	23	[	[	X
ejif-6714	43	24	12	12	NUM
ejif-6714	43	25	]	]	PUNCT
ejif-6714	43	26	.	.	PUNCT
ejif-6714	44	1	the	the	DET
ejif-6714	44	2	increase	increase	NOUN
ejif-6714	44	3	in	in	ADP
ejif-6714	44	4	business	business	NOUN
ejif-6714	44	5	turnover	turnover	NOUN
ejif-6714	44	6	from	from	ADP
ejif-6714	44	7	micro	micro	ADJ
ejif-6714	44	8	and	and	CCONJ
ejif-6714	44	9	small	small	ADJ
ejif-6714	44	10	business	business	NOUN
ejif-6714	44	11	actors	actor	NOUN
ejif-6714	44	12	will	will	AUX
ejif-6714	44	13	have	have	VERB
ejif-6714	44	14	implications	implication	NOUN
ejif-6714	44	15	for	for	ADP
ejif-6714	44	16	increasing	increase	VERB
ejif-6714	44	17	their	their	PRON
ejif-6714	44	18	welfare	welfare	NOUN
ejif-6714	44	19	[	[	X
ejif-6714	44	20	13	13	NUM
ejif-6714	44	21	]	]	PUNCT
ejif-6714	44	22	,	,	PUNCT
ejif-6714	44	23	[	[	X
ejif-6714	44	24	14	14	NUM
ejif-6714	44	25	]	]	PUNCT
ejif-6714	44	26	.	.	PUNCT
ejif-6714	45	1	in	in	ADP
ejif-6714	45	2	addition	addition	NOUN
ejif-6714	45	3	to	to	ADP
ejif-6714	45	4	the	the	DET
ejif-6714	45	5	low	low	ADJ
ejif-6714	45	6	market	market	NOUN
ejif-6714	45	7	share	share	NOUN
ejif-6714	45	8	of	of	ADP
ejif-6714	45	9	islamic	islamic	ADJ
ejif-6714	45	10	banks	bank	NOUN
ejif-6714	45	11	,	,	PUNCT
ejif-6714	45	12	the	the	DET
ejif-6714	45	13	islamic	islamic	ADJ
ejif-6714	45	14	financial	financial	ADJ
ejif-6714	45	15	literacy	literacy	NOUN
ejif-6714	45	16	of	of	ADP
ejif-6714	45	17	the	the	DET
ejif-6714	45	18	indonesian	indonesian	ADJ
ejif-6714	45	19	people	people	NOUN
ejif-6714	45	20	was	be	AUX
ejif-6714	45	21	also	also	ADV
ejif-6714	45	22	low	low	ADJ
ejif-6714	45	23	in	in	ADP
ejif-6714	45	24	2019	2019	NUM
ejif-6714	45	25	.	.	PUNCT
ejif-6714	46	1	islamic	islamic	ADJ
ejif-6714	46	2	financial	financial	ADJ
ejif-6714	46	3	literacy	literacy	NOUN
ejif-6714	46	4	only	only	ADV
ejif-6714	46	5	reached	reach	VERB
ejif-6714	46	6	11.10	11.10	NUM
ejif-6714	46	7	%	%	NOUN
ejif-6714	46	8	.	.	PUNCT
ejif-6714	47	1	furthermore	furthermore	ADV
ejif-6714	47	2	,	,	PUNCT
ejif-6714	47	3	11.10	11.10	NUM
ejif-6714	47	4	%	%	NOUN
ejif-6714	47	5	islamic	islamic	ADJ
ejif-6714	47	6	financial	financial	ADJ
ejif-6714	47	7	literacy	literacy	NOUN
ejif-6714	47	8	achievement	achievement	NOUN
ejif-6714	47	9	shows	show	VERB
ejif-6714	47	10	that	that	SCONJ
ejif-6714	47	11	in	in	ADP
ejif-6714	47	12	the	the	DET
ejif-6714	47	13	indonesian	indonesian	ADJ
ejif-6714	47	14	population	population	NOUN
ejif-6714	47	15	who	who	PRON
ejif-6714	47	16	understood	understand	VERB
ejif-6714	47	17	islamic	islamic	ADJ
ejif-6714	47	18	financial	financial	ADJ
ejif-6714	47	19	products	product	NOUN
ejif-6714	47	20	in	in	ADP
ejif-6714	47	21	2019	2019	NUM
ejif-6714	47	22	,	,	PUNCT
ejif-6714	47	23	only	only	ADV
ejif-6714	47	24	11.1	11.1	NUM
ejif-6714	47	25	%	%	NOUN
ejif-6714	47	26	understood	understand	VERB
ejif-6714	47	27	islamic	islamic	ADJ
ejif-6714	47	28	financial	financial	ADJ
ejif-6714	47	29	products	product	NOUN
ejif-6714	47	30	.	.	PUNCT
ejif-6714	48	1	meanwhile	meanwhile	ADV
ejif-6714	48	2	,	,	PUNCT
ejif-6714	48	3	the	the	DET
ejif-6714	48	4	financial	financial	ADJ
ejif-6714	48	5	literacy	literacy	NOUN
ejif-6714	48	6	of	of	ADP
ejif-6714	48	7	the	the	DET
ejif-6714	48	8	indonesian	indonesian	ADJ
ejif-6714	48	9	people	people	NOUN
ejif-6714	48	10	has	have	AUX
ejif-6714	48	11	reached	reach	VERB
ejif-6714	48	12	38	38	NUM
ejif-6714	48	13	%	%	NOUN
ejif-6714	48	14	,	,	PUNCT
ejif-6714	48	15	so	so	CCONJ
ejif-6714	48	16	there	there	PRON
ejif-6714	48	17	is	be	VERB
ejif-6714	48	18	a	a	DET
ejif-6714	48	19	significant	significant	ADJ
ejif-6714	48	20	gap	gap	NOUN
ejif-6714	48	21	between	between	ADP
ejif-6714	48	22	islamic	islamic	ADJ
ejif-6714	48	23	financial	financial	ADJ
ejif-6714	48	24	literacy	literacy	NOUN
ejif-6714	48	25	and	and	CCONJ
ejif-6714	48	26	financial	financial	ADJ
ejif-6714	48	27	literacy	literacy	NOUN
ejif-6714	48	28	.	.	PUNCT
ejif-6714	49	1	therefore	therefore	ADV
ejif-6714	49	2	,	,	PUNCT
ejif-6714	49	3	the	the	DET
ejif-6714	49	4	low	low	ADJ
ejif-6714	49	5	islamic	islamic	ADJ
ejif-6714	49	6	financial	financial	ADJ
ejif-6714	49	7	literacy	literacy	NOUN
ejif-6714	49	8	has	have	VERB
ejif-6714	49	9	implications	implication	NOUN
ejif-6714	49	10	for	for	ADP
ejif-6714	49	11	the	the	DET
ejif-6714	49	12	low	low	ADJ
ejif-6714	49	13	number	number	NOUN
ejif-6714	49	14	of	of	ADP
ejif-6714	49	15	people	people	NOUN
ejif-6714	49	16	using	use	VERB
ejif-6714	49	17	financial	financial	ADJ
ejif-6714	49	18	products	product	NOUN
ejif-6714	49	19	and	and	CCONJ
ejif-6714	49	20	services	service	NOUN
ejif-6714	49	21	from	from	ADP
ejif-6714	49	22	islamic	islamic	ADJ
ejif-6714	49	23	banks	bank	NOUN
ejif-6714	49	24	[	[	X
ejif-6714	49	25	15	15	NUM
ejif-6714	49	26	]	]	PUNCT
ejif-6714	49	27	,	,	PUNCT
ejif-6714	49	28	[	[	X
ejif-6714	49	29	16	16	NUM
ejif-6714	49	30	]	]	PUNCT
ejif-6714	49	31	.	.	PUNCT
ejif-6714	50	1	therefore	therefore	ADV
ejif-6714	50	2	,	,	PUNCT
ejif-6714	50	3	to	to	PART
ejif-6714	50	4	increase	increase	VERB
ejif-6714	50	5	users	user	NOUN
ejif-6714	50	6	of	of	ADP
ejif-6714	50	7	islamic	islamic	ADJ
ejif-6714	50	8	financial	financial	ADJ
ejif-6714	50	9	products	product	NOUN
ejif-6714	50	10	and	and	CCONJ
ejif-6714	50	11	services	service	NOUN
ejif-6714	50	12	,	,	PUNCT
ejif-6714	50	13	promotions	promotion	NOUN
ejif-6714	50	14	are	be	AUX
ejif-6714	50	15	needed	need	VERB
ejif-6714	50	16	in	in	ADP
ejif-6714	50	17	the	the	DET
ejif-6714	50	18	form	form	NOUN
ejif-6714	50	19	of	of	ADP
ejif-6714	50	20	socialization	socialization	NOUN
ejif-6714	50	21	and	and	CCONJ
ejif-6714	50	22	other	other	ADJ
ejif-6714	50	23	forms	form	NOUN
ejif-6714	50	24	of	of	ADP
ejif-6714	50	25	dissemination	dissemination	NOUN
ejif-6714	50	26	to	to	PART
ejif-6714	50	27	provide	provide	VERB
ejif-6714	50	28	information	information	NOUN
ejif-6714	50	29	and	and	CCONJ
ejif-6714	50	30	education	education	NOUN
ejif-6714	50	31	to	to	ADP
ejif-6714	50	32	the	the	DET
ejif-6714	50	33	public	public	NOUN
ejif-6714	50	34	regarding	regard	VERB
ejif-6714	50	35	the	the	DET
ejif-6714	50	36	products	product	NOUN
ejif-6714	50	37	and	and	CCONJ
ejif-6714	50	38	services	service	NOUN
ejif-6714	50	39	of	of	ADP
ejif-6714	50	40	islamic	islamic	ADJ
ejif-6714	50	41	banks	bank	NOUN
ejif-6714	50	42	[	[	X
ejif-6714	50	43	17	17	NUM
ejif-6714	50	44	]	]	PUNCT
ejif-6714	50	45	.	.	PUNCT
ejif-6714	51	1	islamic	islamic	PROPN
ejif-6714	51	2	bank	bank	PROPN
ejif-6714	51	3	's	's	PART
ejif-6714	51	4	business	business	NOUN
ejif-6714	51	5	performance	performance	NOUN
ejif-6714	51	6	determines	determine	VERB
ejif-6714	51	7	its	its	PRON
ejif-6714	51	8	sustainability	sustainability	NOUN
ejif-6714	51	9	.	.	PUNCT
ejif-6714	52	1	the	the	PRON
ejif-6714	52	2	better	well	ADJ
ejif-6714	52	3	the	the	DET
ejif-6714	52	4	islamic	islamic	PROPN
ejif-6714	52	5	bank	bank	PROPN
ejif-6714	52	6	's	's	PART
ejif-6714	52	7	business	business	NOUN
ejif-6714	52	8	in	in	ADP
ejif-6714	52	9	distributing	distribute	VERB
ejif-6714	52	10	its	its	PRON
ejif-6714	52	11	funding	funding	NOUN
ejif-6714	52	12	with	with	ADP
ejif-6714	52	13	good	good	ADJ
ejif-6714	52	14	qualities	quality	NOUN
ejif-6714	52	15	,	,	PUNCT
ejif-6714	52	16	the	the	PRON
ejif-6714	52	17	more	more	ADV
ejif-6714	52	18	the	the	DET
ejif-6714	52	19	potential	potential	NOUN
ejif-6714	52	20	for	for	ADP
ejif-6714	52	21	the	the	DET
ejif-6714	52	22	sustainability	sustainability	NOUN
ejif-6714	52	23	of	of	ADP
ejif-6714	52	24	the	the	DET
ejif-6714	52	25	islamic	islamic	PROPN
ejif-6714	52	26	bank	bank	PROPN
ejif-6714	53	1	[	[	X
ejif-6714	53	2	6	6	NUM
ejif-6714	53	3	]	]	PUNCT
ejif-6714	53	4	,	,	PUNCT
ejif-6714	53	5	[	[	X
ejif-6714	53	6	18	18	NUM
ejif-6714	53	7	]	]	PUNCT
ejif-6714	53	8	.	.	PUNCT
ejif-6714	54	1	[	[	X
ejif-6714	54	2	18]–[20	18]–[20	X
ejif-6714	54	3	]	]	X
ejif-6714	54	4	.	.	PUNCT
ejif-6714	55	1	the	the	DET
ejif-6714	55	2	sustainability	sustainability	NOUN
ejif-6714	55	3	of	of	ADP
ejif-6714	55	4	islamic	islamic	ADJ
ejif-6714	55	5	banks	bank	NOUN
ejif-6714	55	6	is	be	AUX
ejif-6714	55	7	highly	highly	ADV
ejif-6714	55	8	dependent	dependent	ADJ
ejif-6714	55	9	on	on	ADP
ejif-6714	55	10	the	the	DET
ejif-6714	55	11	trust	trust	NOUN
ejif-6714	55	12	of	of	ADP
ejif-6714	55	13	islamic	islamic	PROPN
ejif-6714	55	14	bank	bank	PROPN
ejif-6714	55	15	stakeholders	stakeholder	NOUN
ejif-6714	55	16	.	.	PUNCT
ejif-6714	56	1	the	the	DET
ejif-6714	56	2	quality	quality	NOUN
ejif-6714	56	3	of	of	ADP
ejif-6714	56	4	the	the	DET
ejif-6714	56	5	funding	funding	NOUN
ejif-6714	56	6	has	have	VERB
ejif-6714	56	7	to	to	PART
ejif-6714	56	8	demonstrate	demonstrate	VERB
ejif-6714	56	9	the	the	DET
ejif-6714	56	10	trust	trust	NOUN
ejif-6714	56	11	of	of	ADP
ejif-6714	56	12	stakeholders	stakeholder	NOUN
ejif-6714	56	13	.	.	PUNCT
ejif-6714	57	1	if	if	SCONJ
ejif-6714	57	2	the	the	DET
ejif-6714	57	3	distribution	distribution	NOUN
ejif-6714	57	4	of	of	ADP
ejif-6714	57	5	islamic	islamic	PROPN
ejif-6714	57	6	bank	bank	PROPN
ejif-6714	57	7	financing	financing	NOUN
ejif-6714	57	8	is	be	AUX
ejif-6714	57	9	of	of	ADP
ejif-6714	57	10	quality	quality	NOUN
ejif-6714	57	11	,	,	PUNCT
ejif-6714	57	12	then	then	ADV
ejif-6714	57	13	the	the	DET
ejif-6714	57	14	risks	risk	NOUN
ejif-6714	57	15	faced	face	VERB
ejif-6714	57	16	by	by	ADP
ejif-6714	57	17	the	the	DET
ejif-6714	57	18	islamic	islamic	PROPN
ejif-6714	57	19	bank	bank	PROPN
ejif-6714	57	20	will	will	AUX
ejif-6714	57	21	be	be	AUX
ejif-6714	57	22	more	more	ADV
ejif-6714	57	23	measurable	measurable	ADJ
ejif-6714	57	24	[	[	X
ejif-6714	57	25	21	21	NUM
ejif-6714	57	26	]	]	PUNCT
ejif-6714	57	27	,	,	PUNCT
ejif-6714	57	28	[	[	X
ejif-6714	57	29	22	22	NUM
ejif-6714	57	30	]	]	PUNCT
ejif-6714	57	31	.	.	PUNCT
ejif-6714	58	1	conversely	conversely	ADV
ejif-6714	58	2	,	,	PUNCT
ejif-6714	58	3	suppose	suppose	VERB
ejif-6714	58	4	the	the	DET
ejif-6714	58	5	quality	quality	NOUN
ejif-6714	58	6	of	of	ADP
ejif-6714	58	7	islamic	islamic	PROPN
ejif-6714	58	8	bank	bank	PROPN
ejif-6714	58	9	financing	financing	NOUN
ejif-6714	58	10	distribution	distribution	NOUN
ejif-6714	58	11	is	be	AUX
ejif-6714	58	12	low	low	ADJ
ejif-6714	58	13	.	.	PUNCT
ejif-6714	59	1	in	in	ADP
ejif-6714	59	2	that	that	DET
ejif-6714	59	3	case	case	NOUN
ejif-6714	59	4	,	,	PUNCT
ejif-6714	59	5	the	the	DET
ejif-6714	59	6	islamic	islamic	PROPN
ejif-6714	59	7	bank	bank	PROPN
ejif-6714	59	8	will	will	AUX
ejif-6714	59	9	be	be	AUX
ejif-6714	59	10	exposed	expose	VERB
ejif-6714	59	11	to	to	ADP
ejif-6714	59	12	enormous	enormous	ADJ
ejif-6714	59	13	risks	risk	NOUN
ejif-6714	59	14	in	in	ADP
ejif-6714	59	15	the	the	DET
ejif-6714	59	16	future	future	NOUN
ejif-6714	59	17	,	,	PUNCT
ejif-6714	59	18	so	so	CCONJ
ejif-6714	59	19	there	there	PRON
ejif-6714	59	20	is	be	VERB
ejif-6714	59	21	the	the	DET
ejif-6714	59	22	potential	potential	NOUN
ejif-6714	59	23	to	to	PART
ejif-6714	59	24	cause	cause	VERB
ejif-6714	59	25	losses	loss	NOUN
ejif-6714	59	26	for	for	ADP
ejif-6714	59	27	the	the	DET
ejif-6714	59	28	islamic	islamic	PROPN
ejif-6714	59	29	bank	bank	PROPN
ejif-6714	59	30	.	.	PUNCT
ejif-6714	60	1	on	on	ADP
ejif-6714	60	2	the	the	DET
ejif-6714	60	3	other	other	ADJ
ejif-6714	60	4	hand	hand	NOUN
ejif-6714	60	5	,	,	PUNCT
ejif-6714	60	6	employee	employee	NOUN
ejif-6714	60	7	productivity	productivity	NOUN
ejif-6714	60	8	must	must	AUX
ejif-6714	60	9	be	be	AUX
ejif-6714	60	10	increased	increase	VERB
ejif-6714	60	11	as	as	ADV
ejif-6714	60	12	well	well	ADV
ejif-6714	60	13	.	.	PUNCT
ejif-6714	61	1	the	the	PRON
ejif-6714	61	2	higher	high	ADJ
ejif-6714	61	3	the	the	DET
ejif-6714	61	4	productivity	productivity	NOUN
ejif-6714	61	5	of	of	ADP
ejif-6714	61	6	the	the	DET
ejif-6714	61	7	workers	worker	NOUN
ejif-6714	61	8	,	,	PUNCT
ejif-6714	61	9	the	the	PRON
ejif-6714	61	10	higher	high	ADJ
ejif-6714	61	11	the	the	DET
ejif-6714	61	12	income	income	NOUN
ejif-6714	61	13	of	of	ADP
ejif-6714	61	14	the	the	DET
ejif-6714	61	15	islamic	islamic	PROPN
ejif-6714	61	16	bank	bank	PROPN
ejif-6714	61	17	.	.	PUNCT
ejif-6714	62	1	employee	employee	NOUN
ejif-6714	62	2	creativity	creativity	NOUN
ejif-6714	62	3	and	and	CCONJ
ejif-6714	62	4	innovation	innovation	NOUN
ejif-6714	62	5	in	in	ADP
ejif-6714	62	6	making	make	VERB
ejif-6714	62	7	products	product	NOUN
ejif-6714	62	8	and	and	CCONJ
ejif-6714	62	9	services	service	NOUN
ejif-6714	62	10	that	that	PRON
ejif-6714	62	11	suit	suit	VERB
ejif-6714	62	12	the	the	DET
ejif-6714	62	13	needs	need	NOUN
ejif-6714	62	14	and	and	CCONJ
ejif-6714	62	15	desires	desire	NOUN
ejif-6714	62	16	of	of	ADP
ejif-6714	62	17	the	the	DET
ejif-6714	62	18	community	community	NOUN
ejif-6714	62	19	.	.	PUNCT
ejif-6714	63	1	thus	thus	ADV
ejif-6714	63	2	,	,	PUNCT
ejif-6714	63	3	more	more	ADJ
ejif-6714	63	4	and	and	CCONJ
ejif-6714	63	5	more	more	ADJ
ejif-6714	63	6	people	people	NOUN
ejif-6714	63	7	will	will	AUX
ejif-6714	63	8	use	use	VERB
ejif-6714	63	9	the	the	DET
ejif-6714	63	10	products	product	NOUN
ejif-6714	63	11	and	and	CCONJ
ejif-6714	63	12	services	service	NOUN
ejif-6714	63	13	of	of	ADP
ejif-6714	63	14	islamic	islamic	ADJ
ejif-6714	63	15	banks	bank	NOUN
ejif-6714	63	16	,	,	PUNCT
ejif-6714	63	17	which	which	PRON
ejif-6714	63	18	will	will	AUX
ejif-6714	63	19	have	have	VERB
ejif-6714	63	20	implications	implication	NOUN
ejif-6714	63	21	for	for	ADP
ejif-6714	63	22	the	the	DET
ejif-6714	63	23	increase	increase	NOUN
ejif-6714	63	24	in	in	ADP
ejif-6714	63	25	income	income	NOUN
ejif-6714	63	26	of	of	ADP
ejif-6714	63	27	these	these	DET
ejif-6714	63	28	islamic	islamic	ADJ
ejif-6714	63	29	banks	bank	NOUN
ejif-6714	63	30	[	[	X
ejif-6714	63	31	23	23	NUM
ejif-6714	63	32	]	]	PUNCT
ejif-6714	63	33	.	.	PUNCT
ejif-6714	64	1	thus	thus	ADV
ejif-6714	64	2	,	,	PUNCT
ejif-6714	64	3	based	base	VERB
ejif-6714	64	4	on	on	ADP
ejif-6714	64	5	the	the	DET
ejif-6714	64	6	phenomena	phenomenon	NOUN
ejif-6714	64	7	mentioned	mention	VERB
ejif-6714	64	8	above	above	ADV
ejif-6714	64	9	,	,	PUNCT
ejif-6714	64	10	the	the	DET
ejif-6714	64	11	problem	problem	NOUN
ejif-6714	64	12	statements	statement	NOUN
ejif-6714	64	13	in	in	ADP
ejif-6714	64	14	this	this	DET
ejif-6714	64	15	study	study	NOUN
ejif-6714	64	16	include	include	VERB
ejif-6714	64	17	:	:	PUNCT
ejif-6714	64	18	§	§	PROPN
ejif-6714	64	19	does	do	VERB
ejif-6714	64	20	the	the	DET
ejif-6714	64	21	distribution	distribution	NOUN
ejif-6714	64	22	of	of	ADP
ejif-6714	64	23	financing	financing	NOUN
ejif-6714	64	24	affect	affect	VERB
ejif-6714	64	25	(	(	PUNCT
ejif-6714	64	26	financing	financing	NOUN
ejif-6714	64	27	to	to	PART
ejif-6714	64	28	deposit	deposit	VERB
ejif-6714	64	29	ratio	ratio	NOUN
ejif-6714	64	30	-	-	PUNCT
ejif-6714	64	31	fdr	fdr	PROPN
ejif-6714	64	32	)	)	PUNCT
ejif-6714	64	33	the	the	DET
ejif-6714	64	34	return	return	NOUN
ejif-6714	64	35	on	on	ADP
ejif-6714	64	36	assets	asset	NOUN
ejif-6714	64	37	(	(	PUNCT
ejif-6714	64	38	roa	roa	NOUN
ejif-6714	64	39	)	)	PUNCT
ejif-6714	64	40	?	?	PUNCT
ejif-6714	64	41	;	;	PUNCT
ejif-6714	64	42	§	§	PROPN
ejif-6714	64	43	does	do	AUX
ejif-6714	64	44	the	the	DET
ejif-6714	64	45	portion	portion	NOUN
ejif-6714	64	46	of	of	ADP
ejif-6714	64	47	micro	micro	ADJ
ejif-6714	64	48	and	and	CCONJ
ejif-6714	64	49	small	small	ADJ
ejif-6714	64	50	business	business	NOUN
ejif-6714	64	51	sector	sector	NOUN
ejif-6714	64	52	financing	financing	NOUN
ejif-6714	64	53	(	(	PUNCT
ejif-6714	64	54	micro	micro	ADJ
ejif-6714	64	55	and	and	CCONJ
ejif-6714	64	56	small	small	ADJ
ejif-6714	64	57	segment	segment	NOUN
ejif-6714	64	58	financing	financing	NOUN
ejif-6714	64	59	-	-	PUNCT
ejif-6714	64	60	msf	msf	NOUN
ejif-6714	64	61	)	)	PUNCT
ejif-6714	64	62	affect	affect	VERB
ejif-6714	64	63	roa	roa	PROPN
ejif-6714	64	64	?	?	PUNCT
ejif-6714	64	65	;	;	PUNCT
ejif-6714	64	66	§	§	PROPN
ejif-6714	64	67	does	do	AUX
ejif-6714	64	68	the	the	DET
ejif-6714	64	69	promotion	promotion	NOUN
ejif-6714	64	70	(	(	PUNCT
ejif-6714	64	71	promotion	promotion	NOUN
ejif-6714	64	72	cost	cost	NOUN
ejif-6714	64	73	ratio	ratio	NOUN
ejif-6714	64	74	-	-	PUNCT
ejif-6714	64	75	pcr	pcr	NOUN
ejif-6714	64	76	)	)	PUNCT
ejif-6714	64	77	of	of	ADP
ejif-6714	64	78	islamic	islamic	ADJ
ejif-6714	64	79	banks	bank	NOUN
ejif-6714	64	80	affect	affect	VERB
ejif-6714	64	81	roa	roa	PROPN
ejif-6714	64	82	?	?	PUNCT
ejif-6714	64	83	;	;	PUNCT
ejif-6714	64	84	§	§	PROPN
ejif-6714	64	85	does	do	AUX
ejif-6714	64	86	the	the	DET
ejif-6714	64	87	quality	quality	NOUN
ejif-6714	64	88	of	of	ADP
ejif-6714	64	89	islamic	islamic	PROPN
ejif-6714	64	90	bank	bank	PROPN
ejif-6714	64	91	financing	financing	NOUN
ejif-6714	64	92	(	(	PUNCT
ejif-6714	64	93	nonperforming	nonperforme	VERB
ejif-6714	64	94	financing	financing	NOUN
ejif-6714	64	95	-	-	PUNCT
ejif-6714	64	96	npf	npf	NOUN
ejif-6714	64	97	)	)	PUNCT
ejif-6714	64	98	affect	affect	VERB
ejif-6714	64	99	roa	roa	PROPN
ejif-6714	64	100	?	?	PUNCT
ejif-6714	64	101	;	;	PUNCT
ejif-6714	64	102	§	§	PROPN
ejif-6714	64	103	does	do	AUX
ejif-6714	64	104	the	the	DET
ejif-6714	64	105	productivity	productivity	NOUN
ejif-6714	64	106	of	of	ADP
ejif-6714	64	107	islamic	islamic	PROPN
ejif-6714	64	108	bank	bank	PROPN
ejif-6714	64	109	employees	employee	NOUN
ejif-6714	64	110	(	(	PUNCT
ejif-6714	64	111	labor	labor	NOUN
ejif-6714	64	112	cost	cost	NOUN
ejif-6714	64	113	ratio	ratio	NOUN
ejif-6714	64	114	-	-	PUNCT
ejif-6714	64	115	lcr	lcr	NOUN
ejif-6714	64	116	)	)	PUNCT
ejif-6714	64	117	affect	affect	VERB
ejif-6714	64	118	roa	roa	PROPN
ejif-6714	64	119	?	?	PUNCT
ejif-6714	64	120	.	.	PUNCT
ejif-6714	65	1	based	base	VERB
ejif-6714	65	2	on	on	ADP
ejif-6714	65	3	the	the	DET
ejif-6714	65	4	problem	problem	NOUN
ejif-6714	65	5	statements	statement	NOUN
ejif-6714	65	6	,	,	PUNCT
ejif-6714	65	7	this	this	DET
ejif-6714	65	8	study	study	NOUN
ejif-6714	65	9	aims	aim	VERB
ejif-6714	65	10	to	to	PART
ejif-6714	65	11	analyze	analyze	VERB
ejif-6714	65	12	the	the	DET
ejif-6714	65	13	factors	factor	NOUN
ejif-6714	65	14	that	that	PRON
ejif-6714	65	15	can	can	AUX
ejif-6714	65	16	affect	affect	VERB
ejif-6714	65	17	the	the	DET
ejif-6714	65	18	improvement	improvement	NOUN
ejif-6714	65	19	of	of	ADP
ejif-6714	65	20	the	the	DET
ejif-6714	65	21	performance	performance	NOUN
ejif-6714	65	22	of	of	ADP
ejif-6714	65	23	islamic	islamic	ADJ
ejif-6714	65	24	banks	bank	NOUN
ejif-6714	65	25	.	.	PUNCT
ejif-6714	66	1	the	the	DET
ejif-6714	66	2	urgency	urgency	NOUN
ejif-6714	66	3	of	of	ADP
ejif-6714	66	4	this	this	DET
ejif-6714	66	5	research	research	NOUN
ejif-6714	66	6	is	be	AUX
ejif-6714	66	7	to	to	PART
ejif-6714	66	8	help	help	VERB
ejif-6714	66	9	the	the	DET
ejif-6714	66	10	government	government	NOUN
ejif-6714	66	11	identify	identify	VERB
ejif-6714	66	12	the	the	DET
ejif-6714	66	13	factors	factor	NOUN
ejif-6714	66	14	that	that	PRON
ejif-6714	66	15	can	can	AUX
ejif-6714	66	16	improve	improve	VERB
ejif-6714	66	17	the	the	DET
ejif-6714	66	18	government	government	NOUN
ejif-6714	66	19	's	's	PART
ejif-6714	66	20	performance	performance	NOUN
ejif-6714	66	21	to	to	PART
ejif-6714	66	22	make	make	VERB
ejif-6714	66	23	indonesia	indonesia	PROPN
ejif-6714	66	24	a	a	DET
ejif-6714	66	25	center	center	NOUN
ejif-6714	66	26	of	of	ADP
ejif-6714	66	27	world	world	NOUN
ejif-6714	66	28	islamic	islamic	ADJ
ejif-6714	66	29	finance	finance	NOUN
ejif-6714	66	30	and	and	CCONJ
ejif-6714	66	31	economy	economy	NOUN
ejif-6714	66	32	.	.	PUNCT
ejif-6714	67	1	in	in	ADP
ejif-6714	67	2	addition	addition	NOUN
ejif-6714	67	3	,	,	PUNCT
ejif-6714	67	4	islamic	islamic	ADJ
ejif-6714	67	5	banks	bank	NOUN
ejif-6714	67	6	,	,	PUNCT
ejif-6714	67	7	as	as	ADP
ejif-6714	67	8	the	the	DET
ejif-6714	67	9	locomotive	locomotive	NOUN
ejif-6714	67	10	of	of	ADP
ejif-6714	67	11	a	a	DET
ejif-6714	67	12	country	country	NOUN
ejif-6714	67	13	's	's	PART
ejif-6714	67	14	economy	economy	NOUN
ejif-6714	67	15	,	,	PUNCT
ejif-6714	67	16	should	should	AUX
ejif-6714	67	17	have	have	VERB
ejif-6714	67	18	quality	quality	NOUN
ejif-6714	67	19	human	human	ADJ
ejif-6714	67	20	resources	resource	NOUN
ejif-6714	67	21	.	.	PUNCT
ejif-6714	68	1	the	the	DET
ejif-6714	68	2	productivity	productivity	NOUN
ejif-6714	68	3	of	of	ADP
ejif-6714	68	4	human	human	ADJ
ejif-6714	68	5	resources	resource	NOUN
ejif-6714	68	6	indicates	indicate	VERB
ejif-6714	68	7	this	this	PRON
ejif-6714	68	8	through	through	ADP
ejif-6714	68	9	innovation	innovation	NOUN
ejif-6714	68	10	and	and	CCONJ
ejif-6714	68	11	creativity	creativity	NOUN
ejif-6714	68	12	in	in	ADP
ejif-6714	68	13	developing	develop	VERB
ejif-6714	68	14	products	product	NOUN
ejif-6714	68	15	and	and	CCONJ
ejif-6714	68	16	services	service	NOUN
ejif-6714	68	17	that	that	PRON
ejif-6714	68	18	are	be	AUX
ejif-6714	68	19	of	of	ADP
ejif-6714	68	20	interest	interest	NOUN
ejif-6714	68	21	to	to	ADP
ejif-6714	68	22	the	the	DET
ejif-6714	68	23	public	public	NOUN
ejif-6714	68	24	.	.	PUNCT
ejif-6714	69	1	furthermore	furthermore	ADV
ejif-6714	69	2	,	,	PUNCT
ejif-6714	69	3	the	the	DET
ejif-6714	69	4	novelty	novelty	NOUN
ejif-6714	69	5	of	of	ADP
ejif-6714	69	6	this	this	DET
ejif-6714	69	7	study	study	NOUN
ejif-6714	69	8	is	be	AUX
ejif-6714	69	9	that	that	SCONJ
ejif-6714	69	10	the	the	DET
ejif-6714	69	11	analysis	analysis	NOUN
ejif-6714	69	12	of	of	ADP
ejif-6714	69	13	profitability	profitability	NOUN
ejif-6714	69	14	in	in	ADP
ejif-6714	69	15	terms	term	NOUN
ejif-6714	69	16	european	european	PROPN
ejif-6714	69	17	journal	journal	PROPN
ejif-6714	69	18	of	of	ADP
ejif-6714	69	19	islamic	islamic	PROPN
ejif-6714	69	20	finance	finance	PROPN
ejif-6714	69	21	issn	issn	PROPN
ejif-6714	69	22	:	:	PUNCT
ejif-6714	69	23	2421	2421	NUM
ejif-6714	69	24	-	-	SYM
ejif-6714	69	25	2172	2172	NUM
ejif-6714	69	26	doi	doi	NOUN
ejif-6714	69	27	:	:	PUNCT
ejif-6714	69	28	10.13135/2421	10.13135/2421	NUM
ejif-6714	69	29	-	-	SYM
ejif-6714	69	30	2172/6714	2172/6714	NUM
ejif-6714	69	31	published	publish	VERB
ejif-6714	69	32	by	by	ADP
ejif-6714	69	33	the	the	DET
ejif-6714	69	34	university	university	PROPN
ejif-6714	69	35	of	of	ADP
ejif-6714	69	36	turin	turin	PROPN
ejif-6714	70	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	70	2	ejif	ejif	PROPN
ejif-6714	70	3	content	content	NOUN
ejif-6714	70	4	is	be	AUX
ejif-6714	70	5	licensed	license	VERB
ejif-6714	70	6	under	under	ADP
ejif-6714	70	7	a	a	DET
ejif-6714	70	8	creative	creative	ADJ
ejif-6714	70	9	commons	common	NOUN
ejif-6714	70	10	attribution	attribution	NOUN
ejif-6714	70	11	4.0	4.0	NUM
ejif-6714	70	12	international	international	ADJ
ejif-6714	70	13	license	license	NOUN
ejif-6714	70	14	received	receive	VERB
ejif-6714	70	15	:	:	PUNCT
ejif-6714	70	16	25/04/2022	25/04/2022	NUM
ejif-6714	70	17	accepted	accept	VERB
ejif-6714	70	18	for	for	ADP
ejif-6714	70	19	publication	publication	NOUN
ejif-6714	70	20	:	:	PUNCT
ejif-6714	70	21	19/11/2022	19/11/2022	NUM
ejif-6714	70	22	published	publish	VERB
ejif-6714	70	23	:	:	PUNCT
ejif-6714	70	24	29/12/2022	29/12/2022	NUM
ejif-6714	70	25	40	40	NUM
ejif-6714	70	26	of	of	ADP
ejif-6714	70	27	business	business	NOUN
ejif-6714	70	28	,	,	PUNCT
ejif-6714	70	29	productivity	productivity	NOUN
ejif-6714	70	30	,	,	PUNCT
ejif-6714	70	31	promotion	promotion	NOUN
ejif-6714	70	32	,	,	PUNCT
ejif-6714	70	33	and	and	CCONJ
ejif-6714	70	34	financing	finance	VERB
ejif-6714	70	35	quality	quality	NOUN
ejif-6714	70	36	aspects	aspect	NOUN
ejif-6714	70	37	have	have	AUX
ejif-6714	70	38	not	not	PART
ejif-6714	70	39	been	be	AUX
ejif-6714	70	40	carried	carry	VERB
ejif-6714	70	41	out	out	ADP
ejif-6714	70	42	by	by	ADP
ejif-6714	70	43	previous	previous	ADJ
ejif-6714	70	44	researchers	researcher	NOUN
ejif-6714	70	45	.	.	PUNCT
ejif-6714	71	1	therefore	therefore	ADV
ejif-6714	71	2	,	,	PUNCT
ejif-6714	71	3	the	the	DET
ejif-6714	71	4	implications	implication	NOUN
ejif-6714	71	5	of	of	ADP
ejif-6714	71	6	this	this	DET
ejif-6714	71	7	research	research	NOUN
ejif-6714	71	8	will	will	AUX
ejif-6714	71	9	provide	provide	VERB
ejif-6714	71	10	new	new	ADJ
ejif-6714	71	11	information	information	NOUN
ejif-6714	71	12	related	relate	VERB
ejif-6714	71	13	to	to	ADP
ejif-6714	71	14	research	research	VERB
ejif-6714	71	15	topics	topic	NOUN
ejif-6714	71	16	in	in	ADP
ejif-6714	71	17	the	the	DET
ejif-6714	71	18	field	field	NOUN
ejif-6714	71	19	of	of	ADP
ejif-6714	71	20	performance	performance	NOUN
ejif-6714	71	21	of	of	ADP
ejif-6714	71	22	islamic	islamic	ADJ
ejif-6714	71	23	banks	bank	NOUN
ejif-6714	71	24	and	and	CCONJ
ejif-6714	71	25	give	give	VERB
ejif-6714	71	26	insight	insight	NOUN
ejif-6714	71	27	to	to	ADP
ejif-6714	71	28	the	the	DET
ejif-6714	71	29	government	government	NOUN
ejif-6714	71	30	to	to	PART
ejif-6714	71	31	improve	improve	VERB
ejif-6714	71	32	the	the	DET
ejif-6714	71	33	performance	performance	NOUN
ejif-6714	71	34	of	of	ADP
ejif-6714	71	35	islamic	islamic	ADJ
ejif-6714	71	36	banks	bank	NOUN
ejif-6714	71	37	through	through	ADP
ejif-6714	71	38	the	the	DET
ejif-6714	71	39	determinants	determinant	NOUN
ejif-6714	71	40	factors	factor	NOUN
ejif-6714	71	41	included	include	VERB
ejif-6714	71	42	in	in	ADP
ejif-6714	71	43	this	this	DET
ejif-6714	71	44	research	research	NOUN
ejif-6714	71	45	.	.	PUNCT
ejif-6714	72	1	ii	ii	PROPN
ejif-6714	72	2	.	.	PUNCT
ejif-6714	73	1	literature	literature	PROPN
ejif-6714	73	2	review	review	PROPN
ejif-6714	73	3	furthermore	furthermore	ADV
ejif-6714	73	4	,	,	PUNCT
ejif-6714	73	5	the	the	DET
ejif-6714	73	6	theoretical	theoretical	ADJ
ejif-6714	73	7	basis	basis	NOUN
ejif-6714	73	8	used	use	VERB
ejif-6714	73	9	in	in	ADP
ejif-6714	73	10	this	this	DET
ejif-6714	73	11	study	study	NOUN
ejif-6714	73	12	is	be	AUX
ejif-6714	73	13	the	the	DET
ejif-6714	73	14	tawhid	tawhid	NOUN
ejif-6714	73	15	string	string	NOUN
ejif-6714	73	16	relationship	relationship	NOUN
ejif-6714	73	17	(	(	PUNCT
ejif-6714	73	18	tsr	tsr	PROPN
ejif-6714	73	19	)	)	PUNCT
ejif-6714	73	20	which	which	PRON
ejif-6714	73	21	is	be	AUX
ejif-6714	73	22	a	a	DET
ejif-6714	73	23	reference	reference	NOUN
ejif-6714	73	24	to	to	ADP
ejif-6714	73	25	the	the	DET
ejif-6714	73	26	importance	importance	NOUN
ejif-6714	73	27	of	of	ADP
ejif-6714	73	28	performance	performance	NOUN
ejif-6714	73	29	for	for	ADP
ejif-6714	73	30	islamic	islamic	ADJ
ejif-6714	73	31	banks	bank	NOUN
ejif-6714	73	32	based	base	VERB
ejif-6714	73	33	on	on	ADP
ejif-6714	73	34	the	the	DET
ejif-6714	73	35	qur'an	qur'an	NOUN
ejif-6714	73	36	as	as	ADP
ejif-6714	73	37	a	a	DET
ejif-6714	73	38	source	source	NOUN
ejif-6714	73	39	of	of	ADP
ejif-6714	73	40	islamic	islamic	ADJ
ejif-6714	73	41	law	law	NOUN
ejif-6714	73	42	.	.	PUNCT
ejif-6714	74	1	the	the	DET
ejif-6714	74	2	explanation	explanation	NOUN
ejif-6714	74	3	of	of	ADP
ejif-6714	74	4	the	the	DET
ejif-6714	74	5	qur'an	qur'an	NOUN
ejif-6714	74	6	related	relate	VERB
ejif-6714	74	7	to	to	ADP
ejif-6714	74	8	the	the	DET
ejif-6714	74	9	vital	vital	ADJ
ejif-6714	74	10	role	role	NOUN
ejif-6714	74	11	of	of	ADP
ejif-6714	74	12	performance	performance	NOUN
ejif-6714	74	13	and	and	CCONJ
ejif-6714	74	14	profit	profit	NOUN
ejif-6714	74	15	is	be	AUX
ejif-6714	74	16	as	as	SCONJ
ejif-6714	74	17	follows	follow	VERB
ejif-6714	74	18	:	:	PUNCT
ejif-6714	74	19	§	§	ADJ
ejif-6714	74	20	performance	performance	NOUN
ejif-6714	74	21	is	be	AUX
ejif-6714	74	22	closely	closely	ADV
ejif-6714	74	23	related	relate	VERB
ejif-6714	74	24	to	to	ADP
ejif-6714	74	25	one	one	NUM
ejif-6714	74	26	's	's	PART
ejif-6714	74	27	deeds	deed	NOUN
ejif-6714	74	28	as	as	SCONJ
ejif-6714	74	29	stated	state	VERB
ejif-6714	74	30	in	in	ADP
ejif-6714	74	31	the	the	DET
ejif-6714	74	32	qur'an	qur'an	NOUN
ejif-6714	74	33	surah	surah	NOUN
ejif-6714	74	34	at	at	ADP
ejif-6714	74	35	tawbah	tawbah	NOUN
ejif-6714	74	36	verse	verse	NOUN
ejif-6714	74	37	105	105	NUM
ejif-6714	74	38	:	:	PUNCT
ejif-6714	74	39	and	and	CCONJ
ejif-6714	74	40	say	say	VERB
ejif-6714	74	41	,	,	PUNCT
ejif-6714	74	42	"	"	PUNCT
ejif-6714	74	43	do	do	VERB
ejif-6714	74	44	[	[	PUNCT
ejif-6714	74	45	as	as	SCONJ
ejif-6714	74	46	you	you	PRON
ejif-6714	74	47	will	will	AUX
ejif-6714	74	48	]	]	X
ejif-6714	74	49	,	,	PUNCT
ejif-6714	74	50	for	for	SCONJ
ejif-6714	74	51	allah	allah	PROPN
ejif-6714	74	52	will	will	AUX
ejif-6714	74	53	see	see	VERB
ejif-6714	74	54	your	your	PRON
ejif-6714	74	55	deeds	deed	NOUN
ejif-6714	74	56	,	,	PUNCT
ejif-6714	74	57	and	and	CCONJ
ejif-6714	74	58	[	[	X
ejif-6714	74	59	so	so	ADV
ejif-6714	74	60	will	will	AUX
ejif-6714	74	61	]	]	X
ejif-6714	74	62	his	his	PRON
ejif-6714	74	63	messenger	messenger	NOUN
ejif-6714	74	64	and	and	CCONJ
ejif-6714	74	65	the	the	DET
ejif-6714	74	66	believers	believer	NOUN
ejif-6714	74	67	.	.	PUNCT
ejif-6714	75	1	and	and	CCONJ
ejif-6714	75	2	you	you	PRON
ejif-6714	75	3	will	will	AUX
ejif-6714	75	4	be	be	AUX
ejif-6714	75	5	returned	return	VERB
ejif-6714	75	6	to	to	ADP
ejif-6714	75	7	the	the	DET
ejif-6714	75	8	knower	knower	PROPN
ejif-6714	75	9	of	of	ADP
ejif-6714	75	10	the	the	DET
ejif-6714	75	11	unseen	unseen	ADJ
ejif-6714	75	12	and	and	CCONJ
ejif-6714	75	13	the	the	DET
ejif-6714	75	14	witnessed	witness	VERB
ejif-6714	75	15	,	,	PUNCT
ejif-6714	75	16	and	and	CCONJ
ejif-6714	75	17	he	he	PRON
ejif-6714	75	18	will	will	AUX
ejif-6714	75	19	inform	inform	VERB
ejif-6714	75	20	you	you	PRON
ejif-6714	75	21	of	of	ADP
ejif-6714	75	22	what	what	PRON
ejif-6714	75	23	you	you	PRON
ejif-6714	75	24	used	use	VERB
ejif-6714	75	25	to	to	PART
ejif-6714	75	26	do	do	VERB
ejif-6714	75	27	.	.	PUNCT
ejif-6714	75	28	"	"	PUNCT
ejif-6714	76	1	§	§	NOUN
ejif-6714	76	2	performance	performance	NOUN
ejif-6714	76	3	in	in	ADP
ejif-6714	76	4	the	the	DET
ejif-6714	76	5	qur'an	qur'an	NOUN
ejif-6714	76	6	is	be	AUX
ejif-6714	76	7	also	also	ADV
ejif-6714	76	8	related	relate	VERB
ejif-6714	76	9	to	to	ADP
ejif-6714	76	10	a	a	DET
ejif-6714	76	11	person	person	NOUN
ejif-6714	76	12	's	's	PART
ejif-6714	76	13	good	good	ADJ
ejif-6714	76	14	measure	measure	NOUN
ejif-6714	76	15	based	base	VERB
ejif-6714	76	16	on	on	ADP
ejif-6714	76	17	his	his	PRON
ejif-6714	76	18	deeds	deed	NOUN
ejif-6714	76	19	and	and	CCONJ
ejif-6714	76	20	deeds	deed	NOUN
ejif-6714	76	21	listed	list	VERB
ejif-6714	76	22	in	in	ADP
ejif-6714	76	23	the	the	DET
ejif-6714	76	24	qur'an	qur'an	PROPN
ejif-6714	76	25	surah	surah	PROPN
ejif-6714	76	26	al	al	PROPN
ejif-6714	76	27	-	-	PUNCT
ejif-6714	76	28	mulk	mulk	ADJ
ejif-6714	76	29	verse	verse	NOUN
ejif-6714	76	30	2	2	NUM
ejif-6714	76	31	:	:	PUNCT
ejif-6714	76	32	“	"	PUNCT
ejif-6714	76	33	[	[	X
ejif-6714	76	34	he	he	X
ejif-6714	76	35	]	]	PUNCT
ejif-6714	76	36	who	who	PRON
ejif-6714	76	37	created	create	VERB
ejif-6714	76	38	death	death	NOUN
ejif-6714	76	39	and	and	CCONJ
ejif-6714	76	40	life	life	NOUN
ejif-6714	76	41	to	to	PART
ejif-6714	76	42	test	test	VERB
ejif-6714	76	43	you	you	PRON
ejif-6714	76	44	[	[	X
ejif-6714	76	45	as	as	ADP
ejif-6714	76	46	to	to	ADP
ejif-6714	76	47	]	]	PUNCT
ejif-6714	76	48	which	which	PRON
ejif-6714	76	49	of	of	ADP
ejif-6714	76	50	you	you	PRON
ejif-6714	76	51	is	be	AUX
ejif-6714	76	52	best	good	ADJ
ejif-6714	76	53	in	in	ADP
ejif-6714	76	54	deed	deed	NOUN
ejif-6714	76	55	and	and	CCONJ
ejif-6714	76	56	he	he	PRON
ejif-6714	76	57	is	be	AUX
ejif-6714	76	58	the	the	DET
ejif-6714	76	59	exalted	exalted	ADJ
ejif-6714	76	60	in	in	ADP
ejif-6714	76	61	might	might	NOUN
ejif-6714	76	62	,	,	PUNCT
ejif-6714	76	63	the	the	DET
ejif-6714	76	64	forgiving	forgiving	NOUN
ejif-6714	76	65	.	.	PUNCT
ejif-6714	76	66	”	"	PUNCT
ejif-6714	77	1	§	§	PROPN
ejif-6714	77	2	furthermore	furthermore	ADV
ejif-6714	77	3	,	,	PUNCT
ejif-6714	77	4	performance	performance	NOUN
ejif-6714	77	5	in	in	ADP
ejif-6714	77	6	islam	islam	PROPN
ejif-6714	77	7	,	,	PUNCT
ejif-6714	77	8	as	as	ADV
ejif-6714	77	9	well	well	ADV
ejif-6714	77	10	as	as	ADP
ejif-6714	77	11	good	good	ADJ
ejif-6714	77	12	practice	practice	NOUN
ejif-6714	77	13	,	,	PUNCT
ejif-6714	77	14	will	will	AUX
ejif-6714	77	15	have	have	VERB
ejif-6714	77	16	an	an	DET
ejif-6714	77	17	impact	impact	NOUN
ejif-6714	77	18	on	on	ADP
ejif-6714	77	19	the	the	DET
ejif-6714	77	20	safety	safety	NOUN
ejif-6714	77	21	of	of	ADP
ejif-6714	77	22	life	life	NOUN
ejif-6714	77	23	in	in	ADP
ejif-6714	77	24	the	the	DET
ejif-6714	77	25	world	world	NOUN
ejif-6714	77	26	and	and	CCONJ
ejif-6714	77	27	as	as	ADP
ejif-6714	77	28	a	a	DET
ejif-6714	77	29	provision	provision	NOUN
ejif-6714	77	30	for	for	ADP
ejif-6714	77	31	life	life	NOUN
ejif-6714	77	32	in	in	ADP
ejif-6714	77	33	the	the	DET
ejif-6714	77	34	hereafter	hereafter	NOUN
ejif-6714	77	35	,	,	PUNCT
ejif-6714	77	36	which	which	PRON
ejif-6714	77	37	is	be	AUX
ejif-6714	77	38	stated	state	VERB
ejif-6714	77	39	in	in	ADP
ejif-6714	77	40	the	the	DET
ejif-6714	77	41	qur'an	qur'an	PROPN
ejif-6714	77	42	surah	surah	PROPN
ejif-6714	77	43	an	an	PROPN
ejif-6714	77	44	-	-	PUNCT
ejif-6714	77	45	nahl	nahl	NOUN
ejif-6714	77	46	verse	verse	NOUN
ejif-6714	77	47	97	97	NUM
ejif-6714	77	48	:	:	PUNCT
ejif-6714	77	49	“	"	PUNCT
ejif-6714	77	50	whoever	whoever	PRON
ejif-6714	77	51	does	do	VERB
ejif-6714	77	52	righteousness	righteousness	NOUN
ejif-6714	77	53	,	,	PUNCT
ejif-6714	77	54	whether	whether	SCONJ
ejif-6714	77	55	male	male	ADJ
ejif-6714	77	56	or	or	CCONJ
ejif-6714	77	57	female	female	ADJ
ejif-6714	77	58	,	,	PUNCT
ejif-6714	77	59	while	while	SCONJ
ejif-6714	77	60	he	he	PRON
ejif-6714	77	61	is	be	AUX
ejif-6714	77	62	a	a	DET
ejif-6714	77	63	believer	believer	NOUN
ejif-6714	77	64	we	we	PRON
ejif-6714	77	65	will	will	AUX
ejif-6714	77	66	surely	surely	ADV
ejif-6714	77	67	cause	cause	VERB
ejif-6714	77	68	him	he	PRON
ejif-6714	77	69	to	to	PART
ejif-6714	77	70	live	live	VERB
ejif-6714	77	71	a	a	DET
ejif-6714	77	72	good	good	ADJ
ejif-6714	77	73	life	life	NOUN
ejif-6714	77	74	,	,	PUNCT
ejif-6714	77	75	and	and	CCONJ
ejif-6714	77	76	we	we	PRON
ejif-6714	77	77	will	will	AUX
ejif-6714	77	78	surely	surely	ADV
ejif-6714	77	79	give	give	VERB
ejif-6714	77	80	them	they	PRON
ejif-6714	77	81	their	their	PRON
ejif-6714	77	82	reward	reward	NOUN
ejif-6714	78	1	[	[	X
ejif-6714	78	2	in	in	ADP
ejif-6714	78	3	the	the	DET
ejif-6714	78	4	hereafter	hereafter	NOUN
ejif-6714	78	5	]	]	PUNCT
ejif-6714	78	6	according	accord	VERB
ejif-6714	78	7	to	to	ADP
ejif-6714	78	8	the	the	DET
ejif-6714	78	9	best	good	ADJ
ejif-6714	78	10	of	of	ADP
ejif-6714	78	11	what	what	PRON
ejif-6714	78	12	they	they	PRON
ejif-6714	78	13	used	use	VERB
ejif-6714	78	14	to	to	PART
ejif-6714	78	15	do	do	VERB
ejif-6714	78	16	.	.	PUNCT
ejif-6714	78	17	”	"	PUNCT
ejif-6714	79	1	in	in	ADP
ejif-6714	79	2	addition	addition	NOUN
ejif-6714	79	3	,	,	PUNCT
ejif-6714	79	4	the	the	DET
ejif-6714	79	5	theory	theory	NOUN
ejif-6714	79	6	used	use	VERB
ejif-6714	79	7	in	in	ADP
ejif-6714	79	8	this	this	DET
ejif-6714	79	9	study	study	NOUN
ejif-6714	79	10	refers	refer	VERB
ejif-6714	79	11	to	to	ADP
ejif-6714	79	12	agency	agency	NOUN
ejif-6714	79	13	theory	theory	NOUN
ejif-6714	79	14	,	,	PUNCT
ejif-6714	79	15	where	where	SCONJ
ejif-6714	79	16	agents	agent	NOUN
ejif-6714	79	17	will	will	AUX
ejif-6714	79	18	try	try	VERB
ejif-6714	79	19	to	to	PART
ejif-6714	79	20	maintain	maintain	VERB
ejif-6714	79	21	the	the	DET
ejif-6714	79	22	performance	performance	NOUN
ejif-6714	79	23	of	of	ADP
ejif-6714	79	24	the	the	DET
ejif-6714	79	25	companies	company	NOUN
ejif-6714	79	26	they	they	PRON
ejif-6714	79	27	manage	manage	VERB
ejif-6714	79	28	so	so	SCONJ
ejif-6714	79	29	that	that	SCONJ
ejif-6714	79	30	they	they	PRON
ejif-6714	79	31	can	can	AUX
ejif-6714	79	32	survive	survive	VERB
ejif-6714	79	33	in	in	ADP
ejif-6714	79	34	the	the	DET
ejif-6714	79	35	company	company	NOUN
ejif-6714	79	36	[	[	X
ejif-6714	79	37	24	24	NUM
ejif-6714	79	38	]	]	PUNCT
ejif-6714	79	39	.	.	PUNCT
ejif-6714	80	1	furthermore	furthermore	ADV
ejif-6714	80	2	,	,	PUNCT
ejif-6714	80	3	in	in	ADP
ejif-6714	80	4	maintaining	maintain	VERB
ejif-6714	80	5	the	the	DET
ejif-6714	80	6	company	company	NOUN
ejif-6714	80	7	's	's	PART
ejif-6714	80	8	performance	performance	NOUN
ejif-6714	80	9	,	,	PUNCT
ejif-6714	80	10	there	there	PRON
ejif-6714	80	11	are	be	VERB
ejif-6714	80	12	key	key	ADJ
ejif-6714	80	13	financial	financial	ADJ
ejif-6714	80	14	performance	performance	NOUN
ejif-6714	80	15	indicators	indicator	NOUN
ejif-6714	80	16	,	,	PUNCT
ejif-6714	80	17	one	one	NUM
ejif-6714	80	18	of	of	ADP
ejif-6714	80	19	which	which	PRON
ejif-6714	80	20	is	be	AUX
ejif-6714	80	21	roa	roa	PROPN
ejif-6714	80	22	[	[	X
ejif-6714	80	23	25	25	NUM
ejif-6714	80	24	]	]	PUNCT
ejif-6714	80	25	.	.	PUNCT
ejif-6714	81	1	roa	roa	PROPN
ejif-6714	81	2	is	be	AUX
ejif-6714	81	3	the	the	DET
ejif-6714	81	4	result	result	NOUN
ejif-6714	81	5	or	or	CCONJ
ejif-6714	81	6	profit	profit	NOUN
ejif-6714	81	7	from	from	ADP
ejif-6714	81	8	the	the	DET
ejif-6714	81	9	company	company	NOUN
ejif-6714	81	10	's	's	PART
ejif-6714	81	11	business	business	NOUN
ejif-6714	81	12	activities	activity	NOUN
ejif-6714	81	13	.	.	PUNCT
ejif-6714	82	1	therefore	therefore	ADV
ejif-6714	82	2	,	,	PUNCT
ejif-6714	82	3	the	the	PRON
ejif-6714	82	4	higher	high	ADJ
ejif-6714	82	5	the	the	DET
ejif-6714	82	6	roa	roa	NOUN
ejif-6714	82	7	,	,	PUNCT
ejif-6714	82	8	it	it	PRON
ejif-6714	82	9	can	can	AUX
ejif-6714	82	10	be	be	AUX
ejif-6714	82	11	reflected	reflect	VERB
ejif-6714	82	12	that	that	SCONJ
ejif-6714	82	13	the	the	DET
ejif-6714	82	14	management	management	NOUN
ejif-6714	82	15	in	in	ADP
ejif-6714	82	16	the	the	DET
ejif-6714	82	17	company	company	NOUN
ejif-6714	82	18	has	have	VERB
ejif-6714	82	19	adequate	adequate	ADJ
ejif-6714	82	20	ability	ability	NOUN
ejif-6714	82	21	to	to	PART
ejif-6714	82	22	manage	manage	VERB
ejif-6714	82	23	the	the	DET
ejif-6714	82	24	company	company	NOUN
ejif-6714	82	25	.	.	PUNCT
ejif-6714	83	1	on	on	ADP
ejif-6714	83	2	the	the	DET
ejif-6714	83	3	other	other	ADJ
ejif-6714	83	4	hand	hand	NOUN
ejif-6714	83	5	,	,	PUNCT
ejif-6714	83	6	company	company	NOUN
ejif-6714	83	7	profits	profit	NOUN
ejif-6714	83	8	come	come	VERB
ejif-6714	83	9	from	from	ADP
ejif-6714	83	10	the	the	DET
ejif-6714	83	11	company	company	NOUN
ejif-6714	83	12	's	's	PART
ejif-6714	83	13	core	core	NOUN
ejif-6714	83	14	business	business	NOUN
ejif-6714	83	15	,	,	PUNCT
ejif-6714	83	16	[	[	X
ejif-6714	83	17	26	26	NUM
ejif-6714	83	18	]	]	PUNCT
ejif-6714	83	19	.	.	PUNCT
ejif-6714	84	1	therefore	therefore	ADV
ejif-6714	84	2	,	,	PUNCT
ejif-6714	84	3	the	the	DET
ejif-6714	84	4	variable	variable	NOUN
ejif-6714	84	5	used	use	VERB
ejif-6714	84	6	in	in	ADP
ejif-6714	84	7	this	this	DET
ejif-6714	84	8	study	study	NOUN
ejif-6714	84	9	is	be	AUX
ejif-6714	84	10	the	the	DET
ejif-6714	84	11	distribution	distribution	NOUN
ejif-6714	84	12	of	of	ADP
ejif-6714	84	13	financing	financing	NOUN
ejif-6714	84	14	because	because	SCONJ
ejif-6714	84	15	it	it	PRON
ejif-6714	84	16	is	be	AUX
ejif-6714	84	17	related	relate	VERB
ejif-6714	84	18	to	to	ADP
ejif-6714	84	19	the	the	DET
ejif-6714	84	20	performance	performance	NOUN
ejif-6714	84	21	of	of	ADP
ejif-6714	84	22	islamic	islamic	ADJ
ejif-6714	84	23	banks	bank	NOUN
ejif-6714	84	24	[	[	X
ejif-6714	84	25	27	27	NUM
ejif-6714	84	26	]	]	PUNCT
ejif-6714	84	27	.	.	PUNCT
ejif-6714	85	1	however	however	ADV
ejif-6714	85	2	,	,	PUNCT
ejif-6714	85	3	according	accord	VERB
ejif-6714	85	4	to	to	ADP
ejif-6714	85	5	dusuki	dusuki	NOUN
ejif-6714	85	6	[	[	X
ejif-6714	85	7	28	28	NUM
ejif-6714	85	8	]	]	PUNCT
ejif-6714	85	9	,	,	PUNCT
ejif-6714	85	10	micro	micro	ADJ
ejif-6714	85	11	and	and	CCONJ
ejif-6714	85	12	small	small	ADJ
ejif-6714	85	13	segment	segment	NOUN
ejif-6714	85	14	financing	financing	NOUN
ejif-6714	85	15	in	in	ADP
ejif-6714	85	16	islamic	islamic	ADJ
ejif-6714	85	17	banks	bank	NOUN
ejif-6714	85	18	must	must	AUX
ejif-6714	85	19	be	be	AUX
ejif-6714	85	20	the	the	DET
ejif-6714	85	21	main	main	ADJ
ejif-6714	85	22	concern	concern	NOUN
ejif-6714	85	23	and	and	CCONJ
ejif-6714	85	24	product	product	NOUN
ejif-6714	85	25	.	.	PUNCT
ejif-6714	86	1	this	this	PRON
ejif-6714	86	2	is	be	AUX
ejif-6714	86	3	because	because	SCONJ
ejif-6714	86	4	islamic	islamic	ADJ
ejif-6714	86	5	banks	bank	NOUN
ejif-6714	86	6	must	must	AUX
ejif-6714	86	7	have	have	VERB
ejif-6714	86	8	social	social	ADJ
ejif-6714	86	9	values	value	NOUN
ejif-6714	86	10	that	that	PRON
ejif-6714	86	11	aim	aim	VERB
ejif-6714	86	12	to	to	PART
ejif-6714	86	13	benefit	benefit	VERB
ejif-6714	86	14	the	the	DET
ejif-6714	86	15	whole	whole	ADJ
ejif-6714	86	16	community	community	NOUN
ejif-6714	86	17	,	,	PUNCT
ejif-6714	86	18	especially	especially	ADV
ejif-6714	86	19	low	low	ADJ
ejif-6714	86	20	-	-	PUNCT
ejif-6714	86	21	income	income	NOUN
ejif-6714	86	22	people	people	NOUN
ejif-6714	86	23	[	[	X
ejif-6714	86	24	11	11	NUM
ejif-6714	86	25	]	]	PUNCT
ejif-6714	86	26	.	.	PUNCT
ejif-6714	87	1	however	however	ADV
ejif-6714	87	2	,	,	PUNCT
ejif-6714	87	3	banks	bank	NOUN
ejif-6714	87	4	are	be	AUX
ejif-6714	87	5	also	also	ADV
ejif-6714	87	6	financial	financial	ADJ
ejif-6714	87	7	institutions	institution	NOUN
ejif-6714	87	8	that	that	PRON
ejif-6714	87	9	are	be	AUX
ejif-6714	87	10	very	very	ADV
ejif-6714	87	11	sensitive	sensitive	ADJ
ejif-6714	87	12	to	to	ADP
ejif-6714	87	13	public	public	ADJ
ejif-6714	87	14	trust	trust	NOUN
ejif-6714	87	15	[	[	X
ejif-6714	87	16	29	29	NUM
ejif-6714	87	17	]	]	PUNCT
ejif-6714	87	18	.	.	PUNCT
ejif-6714	88	1	therefore	therefore	ADV
ejif-6714	88	2	,	,	PUNCT
ejif-6714	88	3	islamic	islamic	ADJ
ejif-6714	88	4	banks	bank	NOUN
ejif-6714	88	5	must	must	AUX
ejif-6714	88	6	also	also	ADV
ejif-6714	88	7	be	be	AUX
ejif-6714	88	8	able	able	ADJ
ejif-6714	88	9	to	to	PART
ejif-6714	88	10	maintain	maintain	VERB
ejif-6714	88	11	the	the	DET
ejif-6714	88	12	quality	quality	NOUN
ejif-6714	88	13	of	of	ADP
ejif-6714	88	14	the	the	DET
ejif-6714	88	15	financing	financing	NOUN
ejif-6714	88	16	that	that	PRON
ejif-6714	88	17	has	have	AUX
ejif-6714	88	18	been	be	AUX
ejif-6714	88	19	distributed	distribute	VERB
ejif-6714	88	20	so	so	SCONJ
ejif-6714	88	21	that	that	SCONJ
ejif-6714	88	22	the	the	DET
ejif-6714	88	23	public	public	NOUN
ejif-6714	88	24	has	have	VERB
ejif-6714	88	25	confidence	confidence	NOUN
ejif-6714	88	26	that	that	SCONJ
ejif-6714	88	27	the	the	DET
ejif-6714	88	28	funds	fund	NOUN
ejif-6714	88	29	placed	place	VERB
ejif-6714	88	30	in	in	ADP
ejif-6714	88	31	the	the	DET
ejif-6714	88	32	bank	bank	NOUN
ejif-6714	88	33	are	be	AUX
ejif-6714	88	34	safe	safe	ADJ
ejif-6714	88	35	[	[	X
ejif-6714	88	36	30	30	NUM
ejif-6714	88	37	]	]	PUNCT
ejif-6714	88	38	.	.	PUNCT
ejif-6714	89	1	the	the	PRON
ejif-6714	89	2	better	well	ADJ
ejif-6714	89	3	the	the	DET
ejif-6714	89	4	quality	quality	NOUN
ejif-6714	89	5	of	of	ADP
ejif-6714	89	6	the	the	DET
ejif-6714	89	7	bank	bank	NOUN
ejif-6714	89	8	,	,	PUNCT
ejif-6714	89	9	the	the	PRON
ejif-6714	89	10	better	well	ADJ
ejif-6714	89	11	the	the	DET
ejif-6714	89	12	performance	performance	NOUN
ejif-6714	89	13	of	of	ADP
ejif-6714	89	14	the	the	DET
ejif-6714	89	15	bank	bank	NOUN
ejif-6714	89	16	because	because	SCONJ
ejif-6714	89	17	it	it	PRON
ejif-6714	89	18	can	can	AUX
ejif-6714	89	19	mitigate	mitigate	VERB
ejif-6714	89	20	risk	risk	NOUN
ejif-6714	89	21	optimally	optimally	ADV
ejif-6714	90	1	[	[	X
ejif-6714	90	2	31	31	NUM
ejif-6714	90	3	]	]	PUNCT
ejif-6714	90	4	.	.	PUNCT
ejif-6714	91	1	furthermore	furthermore	ADV
ejif-6714	91	2	,	,	PUNCT
ejif-6714	91	3	apart	apart	ADV
ejif-6714	91	4	from	from	ADP
ejif-6714	91	5	the	the	DET
ejif-6714	91	6	core	core	NOUN
ejif-6714	91	7	business	business	NOUN
ejif-6714	91	8	,	,	PUNCT
ejif-6714	91	9	banks	bank	NOUN
ejif-6714	91	10	must	must	AUX
ejif-6714	91	11	also	also	ADV
ejif-6714	91	12	be	be	AUX
ejif-6714	91	13	able	able	ADJ
ejif-6714	91	14	to	to	PART
ejif-6714	91	15	achieve	achieve	VERB
ejif-6714	91	16	the	the	DET
ejif-6714	91	17	targets	target	NOUN
ejif-6714	91	18	set	set	VERB
ejif-6714	91	19	through	through	ADP
ejif-6714	91	20	optimal	optimal	ADJ
ejif-6714	91	21	promotional	promotional	ADJ
ejif-6714	91	22	activities	activity	NOUN
ejif-6714	91	23	so	so	SCONJ
ejif-6714	91	24	that	that	SCONJ
ejif-6714	91	25	public	public	ADJ
ejif-6714	91	26	literacy	literacy	NOUN
ejif-6714	91	27	of	of	ADP
ejif-6714	91	28	the	the	DET
ejif-6714	91	29	products	product	NOUN
ejif-6714	91	30	and	and	CCONJ
ejif-6714	91	31	services	service	NOUN
ejif-6714	91	32	owned	own	VERB
ejif-6714	91	33	by	by	ADP
ejif-6714	91	34	the	the	DET
ejif-6714	91	35	bank	bank	NOUN
ejif-6714	91	36	can	can	AUX
ejif-6714	91	37	increase	increase	VERB
ejif-6714	91	38	so	so	SCONJ
ejif-6714	91	39	that	that	SCONJ
ejif-6714	91	40	they	they	PRON
ejif-6714	91	41	decide	decide	VERB
ejif-6714	91	42	to	to	PART
ejif-6714	91	43	use	use	VERB
ejif-6714	91	44	the	the	DET
ejif-6714	91	45	bank	bank	NOUN
ejif-6714	91	46	's	's	PART
ejif-6714	91	47	products	product	NOUN
ejif-6714	91	48	and	and	CCONJ
ejif-6714	91	49	services	service	NOUN
ejif-6714	91	50	[	[	X
ejif-6714	91	51	16	16	NUM
ejif-6714	91	52	]	]	PUNCT
ejif-6714	91	53	,	,	PUNCT
ejif-6714	91	54	[	[	X
ejif-6714	91	55	32	32	NUM
ejif-6714	91	56	]	]	PUNCT
ejif-6714	91	57	.	.	PUNCT
ejif-6714	92	1	therefore	therefore	ADV
ejif-6714	92	2	,	,	PUNCT
ejif-6714	92	3	promotion	promotion	NOUN
ejif-6714	92	4	costs	cost	NOUN
ejif-6714	92	5	are	be	AUX
ejif-6714	92	6	one	one	NUM
ejif-6714	92	7	of	of	ADP
ejif-6714	92	8	the	the	DET
ejif-6714	92	9	variables	variable	NOUN
ejif-6714	92	10	used	use	VERB
ejif-6714	92	11	to	to	PART
ejif-6714	92	12	determine	determine	VERB
ejif-6714	92	13	the	the	DET
ejif-6714	92	14	roa	roa	NOUN
ejif-6714	92	15	of	of	ADP
ejif-6714	92	16	islamic	islamic	ADJ
ejif-6714	92	17	banks	bank	NOUN
ejif-6714	92	18	.	.	PUNCT
ejif-6714	93	1	furthermore	furthermore	ADV
ejif-6714	93	2	,	,	PUNCT
ejif-6714	93	3	human	human	ADJ
ejif-6714	93	4	resources	resource	NOUN
ejif-6714	93	5	have	have	VERB
ejif-6714	93	6	a	a	DET
ejif-6714	93	7	significant	significant	ADJ
ejif-6714	93	8	role	role	NOUN
ejif-6714	93	9	in	in	ADP
ejif-6714	93	10	driving	drive	VERB
ejif-6714	93	11	bank	bank	NOUN
ejif-6714	93	12	business	business	NOUN
ejif-6714	93	13	activities	activity	NOUN
ejif-6714	93	14	.	.	PUNCT
ejif-6714	94	1	the	the	DET
ejif-6714	94	2	more	more	ADV
ejif-6714	94	3	prosperous	prosperous	ADJ
ejif-6714	94	4	the	the	DET
ejif-6714	94	5	employees	employee	NOUN
ejif-6714	94	6	are	be	AUX
ejif-6714	94	7	,	,	PUNCT
ejif-6714	94	8	the	the	PRON
ejif-6714	94	9	greater	great	ADJ
ejif-6714	94	10	the	the	DET
ejif-6714	94	11	work	work	NOUN
ejif-6714	94	12	ethic	ethic	ADJ
ejif-6714	94	13	will	will	AUX
ejif-6714	94	14	be	be	AUX
ejif-6714	94	15	[	[	X
ejif-6714	94	16	33	33	NUM
ejif-6714	94	17	]	]	PUNCT
ejif-6714	94	18	.	.	PUNCT
ejif-6714	95	1	therefore	therefore	ADV
ejif-6714	95	2	,	,	PUNCT
ejif-6714	95	3	the	the	PRON
ejif-6714	95	4	higher	high	ADJ
ejif-6714	95	5	the	the	DET
ejif-6714	95	6	work	work	NOUN
ejif-6714	95	7	ethic	ethic	ADJ
ejif-6714	95	8	,	,	PUNCT
ejif-6714	95	9	the	the	PRON
ejif-6714	95	10	higher	high	ADJ
ejif-6714	95	11	the	the	DET
ejif-6714	95	12	innovation	innovation	NOUN
ejif-6714	95	13	and	and	CCONJ
ejif-6714	95	14	creativity	creativity	NOUN
ejif-6714	95	15	of	of	ADP
ejif-6714	95	16	the	the	DET
ejif-6714	95	17	employee	employee	NOUN
ejif-6714	95	18	,	,	PUNCT
ejif-6714	95	19	which	which	PRON
ejif-6714	95	20	will	will	AUX
ejif-6714	95	21	increase	increase	VERB
ejif-6714	95	22	the	the	DET
ejif-6714	95	23	bank	bank	NOUN
ejif-6714	95	24	's	's	PART
ejif-6714	95	25	productivity	productivity	NOUN
ejif-6714	95	26	.	.	PUNCT
ejif-6714	96	1	thus	thus	ADV
ejif-6714	96	2	,	,	PUNCT
ejif-6714	96	3	increasing	increase	VERB
ejif-6714	96	4	productivity	productivity	NOUN
ejif-6714	96	5	will	will	AUX
ejif-6714	96	6	have	have	VERB
ejif-6714	96	7	an	an	DET
ejif-6714	96	8	impact	impact	NOUN
ejif-6714	96	9	on	on	ADP
ejif-6714	96	10	optimal	optimal	ADJ
ejif-6714	96	11	performance	performance	NOUN
ejif-6714	96	12	of	of	ADP
ejif-6714	96	13	the	the	DET
ejif-6714	96	14	institution	institution	NOUN
ejif-6714	96	15	[	[	X
ejif-6714	96	16	34	34	NUM
ejif-6714	96	17	]	]	PUNCT
ejif-6714	96	18	.	.	PUNCT
ejif-6714	97	1	therefore	therefore	ADV
ejif-6714	97	2	,	,	PUNCT
ejif-6714	97	3	discussions	discussion	NOUN
ejif-6714	97	4	related	relate	VERB
ejif-6714	97	5	to	to	ADP
ejif-6714	97	6	the	the	DET
ejif-6714	97	7	productivity	productivity	NOUN
ejif-6714	97	8	and	and	CCONJ
ejif-6714	97	9	profitability	profitability	NOUN
ejif-6714	97	10	of	of	ADP
ejif-6714	97	11	islamic	islamic	ADJ
ejif-6714	97	12	banks	bank	NOUN
ejif-6714	97	13	are	be	AUX
ejif-6714	97	14	crucial	crucial	ADJ
ejif-6714	97	15	for	for	ADP
ejif-6714	97	16	further	further	ADJ
ejif-6714	97	17	analysis	analysis	NOUN
ejif-6714	97	18	based	base	VERB
ejif-6714	97	19	on	on	ADP
ejif-6714	97	20	several	several	ADJ
ejif-6714	97	21	aspects	aspect	NOUN
ejif-6714	97	22	such	such	ADJ
ejif-6714	97	23	as	as	ADP
ejif-6714	97	24	financing	financing	NOUN
ejif-6714	97	25	,	,	PUNCT
ejif-6714	97	26	micro	micro	NOUN
ejif-6714	97	27	,	,	PUNCT
ejif-6714	97	28	and	and	CCONJ
ejif-6714	97	29	small	small	ADJ
ejif-6714	97	30	segment	segment	NOUN
ejif-6714	97	31	,	,	PUNCT
ejif-6714	97	32	promotion	promotion	NOUN
ejif-6714	97	33	cost	cost	NOUN
ejif-6714	97	34	,	,	PUNCT
ejif-6714	97	35	financing	financing	NOUN
ejif-6714	97	36	quality	quality	NOUN
ejif-6714	97	37	,	,	PUNCT
ejif-6714	97	38	and	and	CCONJ
ejif-6714	97	39	labor	labor	NOUN
ejif-6714	97	40	cost	cost	NOUN
ejif-6714	97	41	.	.	PUNCT
ejif-6714	98	1	iii	iii	X
ejif-6714	98	2	.	.	PROPN
ejif-6714	98	3	methodology	methodology	PROPN
ejif-6714	98	4	the	the	DET
ejif-6714	98	5	research	research	NOUN
ejif-6714	98	6	method	method	NOUN
ejif-6714	98	7	used	use	VERB
ejif-6714	98	8	is	be	AUX
ejif-6714	98	9	a	a	DET
ejif-6714	98	10	quantitative	quantitative	ADJ
ejif-6714	98	11	method	method	NOUN
ejif-6714	98	12	using	use	VERB
ejif-6714	98	13	multiple	multiple	ADJ
ejif-6714	98	14	regression	regression	NOUN
ejif-6714	98	15	analysis	analysis	NOUN
ejif-6714	98	16	with	with	ADP
ejif-6714	98	17	a	a	DET
ejif-6714	98	18	data	data	NOUN
ejif-6714	98	19	panel	panel	NOUN
ejif-6714	98	20	.	.	PUNCT
ejif-6714	99	1	the	the	DET
ejif-6714	99	2	data	datum	NOUN
ejif-6714	99	3	used	use	VERB
ejif-6714	99	4	is	be	AUX
ejif-6714	99	5	secondary	secondary	ADJ
ejif-6714	99	6	data	datum	NOUN
ejif-6714	99	7	from	from	ADP
ejif-6714	99	8	the	the	DET
ejif-6714	99	9	annual	annual	ADJ
ejif-6714	99	10	reports	report	NOUN
ejif-6714	99	11	and	and	CCONJ
ejif-6714	99	12	published	publish	VERB
ejif-6714	99	13	(	(	PUNCT
ejif-6714	99	14	audited	audit	VERB
ejif-6714	99	15	)	)	PUNCT
ejif-6714	99	16	financial	financial	ADJ
ejif-6714	99	17	reports	report	NOUN
ejif-6714	99	18	.	.	PUNCT
ejif-6714	100	1	the	the	DET
ejif-6714	100	2	number	number	NOUN
ejif-6714	100	3	of	of	ADP
ejif-6714	100	4	islamic	islamic	ADJ
ejif-6714	100	5	commercial	commercial	ADJ
ejif-6714	100	6	banks	bank	NOUN
ejif-6714	100	7	used	use	VERB
ejif-6714	100	8	in	in	ADP
ejif-6714	100	9	this	this	DET
ejif-6714	100	10	study	study	NOUN
ejif-6714	100	11	from	from	ADP
ejif-6714	100	12	2012	2012	NUM
ejif-6714	100	13	to	to	ADP
ejif-6714	100	14	2018	2018	NUM
ejif-6714	100	15	was	be	AUX
ejif-6714	100	16	12	12	NUM
ejif-6714	100	17	banks	bank	NOUN
ejif-6714	100	18	.	.	PUNCT
ejif-6714	101	1	however	however	ADV
ejif-6714	101	2	,	,	PUNCT
ejif-6714	101	3	what	what	PRON
ejif-6714	101	4	can	can	AUX
ejif-6714	101	5	be	be	AUX
ejif-6714	101	6	used	use	VERB
ejif-6714	101	7	as	as	ADP
ejif-6714	101	8	samples	sample	NOUN
ejif-6714	101	9	are	be	AUX
ejif-6714	101	10	6	6	NUM
ejif-6714	101	11	islamic	islamic	ADJ
ejif-6714	101	12	commercial	commercial	ADJ
ejif-6714	101	13	banks	bank	NOUN
ejif-6714	101	14	that	that	PRON
ejif-6714	101	15	have	have	VERB
ejif-6714	101	16	complete	complete	ADJ
ejif-6714	101	17	data	datum	NOUN
ejif-6714	101	18	according	accord	VERB
ejif-6714	101	19	to	to	ADP
ejif-6714	101	20	the	the	DET
ejif-6714	101	21	needs	need	NOUN
ejif-6714	101	22	of	of	ADP
ejif-6714	101	23	this	this	DET
ejif-6714	101	24	study	study	NOUN
ejif-6714	101	25	.	.	PUNCT
ejif-6714	102	1	the	the	DET
ejif-6714	102	2	details	detail	NOUN
ejif-6714	102	3	of	of	ADP
ejif-6714	102	4	the	the	DET
ejif-6714	102	5	mechanism	mechanism	NOUN
ejif-6714	102	6	and	and	CCONJ
ejif-6714	102	7	the	the	DET
ejif-6714	102	8	criteria	criterion	NOUN
ejif-6714	102	9	for	for	ADP
ejif-6714	102	10	taking	take	VERB
ejif-6714	102	11	the	the	DET
ejif-6714	102	12	number	number	NOUN
ejif-6714	102	13	of	of	ADP
ejif-6714	102	14	samples	sample	NOUN
ejif-6714	102	15	are	be	AUX
ejif-6714	102	16	shown	show	VERB
ejif-6714	102	17	in	in	ADP
ejif-6714	102	18	table	table	NOUN
ejif-6714	102	19	1	1	NUM
ejif-6714	102	20	as	as	SCONJ
ejif-6714	102	21	follows	follow	VERB
ejif-6714	102	22	:	:	PUNCT
ejif-6714	102	23	table	table	NOUN
ejif-6714	102	24	1	1	NUM
ejif-6714	102	25	sample	sample	NOUN
ejif-6714	102	26	selection	selection	NOUN
ejif-6714	102	27	criteria	criterion	NOUN
ejif-6714	102	28	no	no	DET
ejif-6714	102	29	criteria	criterion	NOUN
ejif-6714	102	30	amount	amount	VERB
ejif-6714	102	31	1	1	NUM
ejif-6714	102	32	number	number	NOUN
ejif-6714	102	33	of	of	ADP
ejif-6714	102	34	islamic	islamic	ADJ
ejif-6714	102	35	commercial	commercial	ADJ
ejif-6714	102	36	banks	bank	NOUN
ejif-6714	102	37	in	in	ADP
ejif-6714	102	38	indonesia	indonesia	PROPN
ejif-6714	102	39	operating	operate	VERB
ejif-6714	102	40	during	during	ADP
ejif-6714	102	41	2012	2012	NUM
ejif-6714	102	42	2018	2018	NUM
ejif-6714	102	43	13	13	NUM
ejif-6714	102	44	2	2	NUM
ejif-6714	102	45	islamic	islamic	ADJ
ejif-6714	102	46	commercial	commercial	ADJ
ejif-6714	102	47	banks	bank	NOUN
ejif-6714	102	48	that	that	PRON
ejif-6714	102	49	do	do	AUX
ejif-6714	102	50	not	not	PART
ejif-6714	102	51	have	have	VERB
ejif-6714	102	52	the	the	DET
ejif-6714	102	53	complete	complete	ADJ
ejif-6714	102	54	data	datum	NOUN
ejif-6714	102	55	needed	need	VERB
ejif-6714	102	56	for	for	ADP
ejif-6714	102	57	research	research	NOUN
ejif-6714	102	58	during	during	ADP
ejif-6714	102	59	2012	2012	NUM
ejif-6714	102	60	-2018	-2018	NOUN
ejif-6714	102	61	(	(	PUNCT
ejif-6714	102	62	6	6	NUM
ejif-6714	102	63	)	)	PUNCT
ejif-6714	102	64	the	the	DET
ejif-6714	102	65	number	number	NOUN
ejif-6714	102	66	of	of	ADP
ejif-6714	102	67	islamic	islamic	ADJ
ejif-6714	102	68	commercial	commercial	ADJ
ejif-6714	102	69	banks	bank	NOUN
ejif-6714	102	70	used	use	VERB
ejif-6714	102	71	as	as	ADP
ejif-6714	102	72	samples	sample	NOUN
ejif-6714	102	73	in	in	ADP
ejif-6714	102	74	the	the	DET
ejif-6714	102	75	study	study	NOUN
ejif-6714	102	76	7	7	NUM
ejif-6714	102	77	number	number	NOUN
ejif-6714	102	78	of	of	ADP
ejif-6714	102	79	data	datum	NOUN
ejif-6714	102	80	samples	sample	NOUN
ejif-6714	102	81	observed	observe	VERB
ejif-6714	102	82	2012	2012	NUM
ejif-6714	102	83	-	-	SYM
ejif-6714	102	84	2018	2018	NUM
ejif-6714	102	85	(	(	PUNCT
ejif-6714	102	86	7x6	7x6	NUM
ejif-6714	102	87	years	year	NOUN
ejif-6714	102	88	)	)	PUNCT
ejif-6714	102	89	42	42	NUM
ejif-6714	102	90	source	source	NOUN
ejif-6714	102	91	:	:	PUNCT
ejif-6714	102	92	authors	author	NOUN
ejif-6714	102	93	’	’	PART
ejif-6714	102	94	elaboration	elaboration	NOUN
ejif-6714	102	95	furthermore	furthermore	ADV
ejif-6714	102	96	,	,	PUNCT
ejif-6714	102	97	the	the	DET
ejif-6714	102	98	development	development	NOUN
ejif-6714	102	99	of	of	ADP
ejif-6714	102	100	hypotheses	hypothesis	NOUN
ejif-6714	102	101	and	and	CCONJ
ejif-6714	102	102	operational	operational	ADJ
ejif-6714	102	103	variables	variable	NOUN
ejif-6714	102	104	from	from	ADP
ejif-6714	102	105	this	this	DET
ejif-6714	102	106	study	study	NOUN
ejif-6714	102	107	are	be	AUX
ejif-6714	102	108	as	as	SCONJ
ejif-6714	102	109	follows	follow	VERB
ejif-6714	102	110	:	:	PUNCT
ejif-6714	102	111	a.	a.	NOUN
ejif-6714	102	112	effect	effect	NOUN
ejif-6714	102	113	of	of	ADP
ejif-6714	102	114	fdr	fdr	PROPN
ejif-6714	102	115	on	on	ADP
ejif-6714	102	116	roa	roa	PROPN
ejif-6714	102	117	the	the	DET
ejif-6714	102	118	main	main	ADJ
ejif-6714	102	119	business	business	NOUN
ejif-6714	102	120	of	of	ADP
ejif-6714	102	121	islamic	islamic	ADJ
ejif-6714	102	122	banks	bank	NOUN
ejif-6714	102	123	is	be	AUX
ejif-6714	102	124	to	to	PART
ejif-6714	102	125	collect	collect	VERB
ejif-6714	102	126	funds	fund	NOUN
ejif-6714	102	127	from	from	ADP
ejif-6714	102	128	the	the	DET
ejif-6714	102	129	public	public	NOUN
ejif-6714	102	130	and	and	CCONJ
ejif-6714	102	131	channel	channel	VERB
ejif-6714	102	132	them	they	PRON
ejif-6714	102	133	back	back	ADV
ejif-6714	102	134	to	to	ADP
ejif-6714	102	135	the	the	DET
ejif-6714	102	136	community	community	NOUN
ejif-6714	102	137	in	in	ADP
ejif-6714	102	138	loans	loan	NOUN
ejif-6714	102	139	or	or	CCONJ
ejif-6714	102	140	financing	financing	NOUN
ejif-6714	102	141	.	.	PUNCT
ejif-6714	103	1	the	the	DET
ejif-6714	103	2	distribution	distribution	NOUN
ejif-6714	103	3	of	of	ADP
ejif-6714	103	4	financing	financing	NOUN
ejif-6714	103	5	to	to	ADP
ejif-6714	103	6	islamic	islamic	ADJ
ejif-6714	103	7	banks	bank	NOUN
ejif-6714	103	8	must	must	AUX
ejif-6714	103	9	be	be	AUX
ejif-6714	103	10	based	base	VERB
ejif-6714	103	11	on	on	ADP
ejif-6714	103	12	the	the	DET
ejif-6714	103	13	real	real	ADJ
ejif-6714	103	14	sector	sector	NOUN
ejif-6714	103	15	and	and	CCONJ
ejif-6714	103	16	underlying	underlying	ADJ
ejif-6714	103	17	assets	asset	NOUN
ejif-6714	103	18	to	to	PART
ejif-6714	103	19	impact	impact	VERB
ejif-6714	103	20	national	national	ADJ
ejif-6714	103	21	economic	economic	ADJ
ejif-6714	103	22	growth	growth	NOUN
ejif-6714	103	23	.	.	PUNCT
ejif-6714	104	1	in	in	ADP
ejif-6714	104	2	addition	addition	NOUN
ejif-6714	104	3	,	,	PUNCT
ejif-6714	104	4	the	the	DET
ejif-6714	104	5	internal	internal	ADJ
ejif-6714	104	6	european	european	PROPN
ejif-6714	104	7	journal	journal	PROPN
ejif-6714	104	8	of	of	ADP
ejif-6714	104	9	islamic	islamic	PROPN
ejif-6714	104	10	finance	finance	PROPN
ejif-6714	104	11	issn	issn	PROPN
ejif-6714	104	12	:	:	PUNCT
ejif-6714	104	13	2421	2421	NUM
ejif-6714	104	14	-	-	SYM
ejif-6714	104	15	2172	2172	NUM
ejif-6714	104	16	doi	doi	NOUN
ejif-6714	104	17	:	:	PUNCT
ejif-6714	104	18	10.13135/2421	10.13135/2421	NUM
ejif-6714	104	19	-	-	SYM
ejif-6714	104	20	2172/6714	2172/6714	NUM
ejif-6714	104	21	published	publish	VERB
ejif-6714	104	22	by	by	ADP
ejif-6714	104	23	the	the	DET
ejif-6714	104	24	university	university	PROPN
ejif-6714	104	25	of	of	ADP
ejif-6714	104	26	turin	turin	PROPN
ejif-6714	104	27	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	104	28	ejif	ejif	PROPN
ejif-6714	104	29	content	content	NOUN
ejif-6714	104	30	is	be	AUX
ejif-6714	104	31	licensed	license	VERB
ejif-6714	104	32	under	under	ADP
ejif-6714	104	33	a	a	DET
ejif-6714	104	34	creative	creative	ADJ
ejif-6714	104	35	commons	common	NOUN
ejif-6714	104	36	attribution	attribution	NOUN
ejif-6714	104	37	4.0	4.0	NUM
ejif-6714	104	38	international	international	ADJ
ejif-6714	104	39	license	license	NOUN
ejif-6714	104	40	received	receive	VERB
ejif-6714	104	41	:	:	PUNCT
ejif-6714	104	42	25/04/2022	25/04/2022	NUM
ejif-6714	104	43	accepted	accept	VERB
ejif-6714	104	44	for	for	ADP
ejif-6714	104	45	publication	publication	NOUN
ejif-6714	104	46	:	:	PUNCT
ejif-6714	104	47	19/11/2022	19/11/2022	NUM
ejif-6714	104	48	published	publish	VERB
ejif-6714	104	49	:	:	PUNCT
ejif-6714	104	50	29/12/2022	29/12/2022	NUM
ejif-6714	104	51	41	41	NUM
ejif-6714	104	52	distribution	distribution	NOUN
ejif-6714	104	53	of	of	ADP
ejif-6714	104	54	islamic	islamic	PROPN
ejif-6714	104	55	bank	bank	PROPN
ejif-6714	104	56	financing	financing	NOUN
ejif-6714	104	57	will	will	AUX
ejif-6714	104	58	have	have	VERB
ejif-6714	104	59	implications	implication	NOUN
ejif-6714	104	60	for	for	ADP
ejif-6714	104	61	an	an	DET
ejif-6714	104	62	increase	increase	NOUN
ejif-6714	104	63	in	in	ADP
ejif-6714	104	64	income	income	NOUN
ejif-6714	104	65	so	so	SCONJ
ejif-6714	104	66	that	that	SCONJ
ejif-6714	104	67	the	the	DET
ejif-6714	104	68	return	return	NOUN
ejif-6714	104	69	on	on	ADP
ejif-6714	104	70	assets	asset	NOUN
ejif-6714	104	71	(	(	PUNCT
ejif-6714	104	72	roa	roa	NOUN
ejif-6714	104	73	)	)	PUNCT
ejif-6714	104	74	ratio	ratio	NOUN
ejif-6714	104	75	of	of	ADP
ejif-6714	104	76	the	the	DET
ejif-6714	104	77	islamic	islamic	PROPN
ejif-6714	104	78	bank	bank	PROPN
ejif-6714	104	79	will	will	AUX
ejif-6714	104	80	also	also	ADV
ejif-6714	104	81	increase	increase	VERB
ejif-6714	104	82	.	.	PUNCT
ejif-6714	105	1	the	the	DET
ejif-6714	105	2	formula	formula	NOUN
ejif-6714	105	3	for	for	ADP
ejif-6714	105	4	fdr	fdr	PROPN
ejif-6714	105	5	is	be	AUX
ejif-6714	105	6	as	as	SCONJ
ejif-6714	105	7	follows	follow	VERB
ejif-6714	105	8	:	:	PUNCT
ejif-6714	105	9	b.	b.	NOUN
ejif-6714	105	10	effect	effect	NOUN
ejif-6714	105	11	of	of	ADP
ejif-6714	105	12	pcr	pcr	PROPN
ejif-6714	105	13	on	on	ADP
ejif-6714	105	14	roa	roa	PROPN
ejif-6714	105	15	promotion	promotion	NOUN
ejif-6714	105	16	is	be	AUX
ejif-6714	105	17	an	an	DET
ejif-6714	105	18	effort	effort	NOUN
ejif-6714	105	19	to	to	PART
ejif-6714	105	20	introduce	introduce	VERB
ejif-6714	105	21	products	product	NOUN
ejif-6714	105	22	and	and	CCONJ
ejif-6714	105	23	services	service	NOUN
ejif-6714	105	24	to	to	ADP
ejif-6714	105	25	the	the	DET
ejif-6714	105	26	public	public	NOUN
ejif-6714	105	27	to	to	PART
ejif-6714	105	28	increase	increase	VERB
ejif-6714	105	29	public	public	ADJ
ejif-6714	105	30	information	information	NOUN
ejif-6714	105	31	about	about	ADP
ejif-6714	105	32	the	the	DET
ejif-6714	105	33	promoted	promote	VERB
ejif-6714	105	34	products	product	NOUN
ejif-6714	105	35	and	and	CCONJ
ejif-6714	105	36	services	service	NOUN
ejif-6714	105	37	.	.	PUNCT
ejif-6714	106	1	increased	increase	VERB
ejif-6714	106	2	information	information	NOUN
ejif-6714	106	3	on	on	ADP
ejif-6714	106	4	products	product	NOUN
ejif-6714	106	5	and	and	CCONJ
ejif-6714	106	6	information	information	NOUN
ejif-6714	106	7	will	will	AUX
ejif-6714	106	8	motivate	motivate	VERB
ejif-6714	106	9	people	people	NOUN
ejif-6714	106	10	to	to	PART
ejif-6714	106	11	use	use	VERB
ejif-6714	106	12	or	or	CCONJ
ejif-6714	106	13	decide	decide	VERB
ejif-6714	106	14	to	to	PART
ejif-6714	106	15	buy	buy	VERB
ejif-6714	106	16	these	these	DET
ejif-6714	106	17	products	product	NOUN
ejif-6714	106	18	[	[	X
ejif-6714	106	19	35	35	NUM
ejif-6714	106	20	]	]	PUNCT
ejif-6714	106	21	.	.	PUNCT
ejif-6714	107	1	thus	thus	ADV
ejif-6714	107	2	,	,	PUNCT
ejif-6714	107	3	the	the	DET
ejif-6714	107	4	more	more	ADV
ejif-6714	107	5	influential	influential	ADJ
ejif-6714	107	6	the	the	DET
ejif-6714	107	7	promotion	promotion	NOUN
ejif-6714	107	8	of	of	ADP
ejif-6714	107	9	the	the	DET
ejif-6714	107	10	products	product	NOUN
ejif-6714	107	11	and	and	CCONJ
ejif-6714	107	12	services	service	NOUN
ejif-6714	107	13	of	of	ADP
ejif-6714	107	14	islamic	islamic	ADJ
ejif-6714	107	15	banks	bank	NOUN
ejif-6714	107	16	will	will	AUX
ejif-6714	107	17	have	have	VERB
ejif-6714	107	18	implications	implication	NOUN
ejif-6714	107	19	for	for	ADP
ejif-6714	107	20	increasing	increase	VERB
ejif-6714	107	21	the	the	DET
ejif-6714	107	22	income	income	NOUN
ejif-6714	107	23	of	of	ADP
ejif-6714	107	24	islamic	islamic	ADJ
ejif-6714	107	25	banks	bank	NOUN
ejif-6714	107	26	so	so	SCONJ
ejif-6714	107	27	that	that	SCONJ
ejif-6714	107	28	the	the	DET
ejif-6714	107	29	roa	roa	NOUN
ejif-6714	107	30	of	of	ADP
ejif-6714	107	31	islamic	islamic	ADJ
ejif-6714	107	32	banks	bank	NOUN
ejif-6714	107	33	will	will	AUX
ejif-6714	107	34	also	also	ADV
ejif-6714	107	35	increase	increase	VERB
ejif-6714	107	36	.	.	PUNCT
ejif-6714	108	1	the	the	DET
ejif-6714	108	2	variables	variable	NOUN
ejif-6714	108	3	of	of	ADP
ejif-6714	108	4	the	the	DET
ejif-6714	108	5	promotion	promotion	NOUN
ejif-6714	108	6	cost	cost	NOUN
ejif-6714	108	7	ratio	ratio	NOUN
ejif-6714	108	8	(	(	PUNCT
ejif-6714	108	9	pcr	pcr	NOUN
ejif-6714	108	10	)	)	PUNCT
ejif-6714	108	11	in	in	ADP
ejif-6714	108	12	this	this	DET
ejif-6714	108	13	study	study	NOUN
ejif-6714	108	14	are	be	AUX
ejif-6714	108	15	as	as	SCONJ
ejif-6714	108	16	follows	follow	VERB
ejif-6714	108	17	:	:	PUNCT
ejif-6714	108	18	c.	c.	NOUN
ejif-6714	108	19	effect	effect	NOUN
ejif-6714	108	20	of	of	ADP
ejif-6714	108	21	npf	npf	PROPN
ejif-6714	108	22	on	on	ADP
ejif-6714	108	23	roa	roa	PROPN
ejif-6714	108	24	the	the	DET
ejif-6714	108	25	business	business	NOUN
ejif-6714	108	26	activities	activity	NOUN
ejif-6714	108	27	of	of	ADP
ejif-6714	108	28	islamic	islamic	ADJ
ejif-6714	108	29	banks	bank	NOUN
ejif-6714	108	30	must	must	AUX
ejif-6714	108	31	be	be	AUX
ejif-6714	108	32	handled	handle	VERB
ejif-6714	108	33	responsibly	responsibly	ADV
ejif-6714	108	34	or	or	CCONJ
ejif-6714	108	35	called	call	VERB
ejif-6714	108	36	al	al	PROPN
ejif-6714	108	37	“	"	PUNCT
ejif-6714	108	38	ghorm	ghorm	NOUN
ejif-6714	108	39	bil	bil	PROPN
ejif-6714	108	40	ghurmy	ghurmy	NOUN
ejif-6714	108	41	,	,	PUNCT
ejif-6714	108	42	al	al	PROPN
ejif-6714	108	43	kharaj	kharaj	PROPN
ejif-6714	108	44	bid	bid	PROPN
ejif-6714	108	45	dhamany	dhamany	PROPN
ejif-6714	108	46	”	"	PUNCT
ejif-6714	108	47	,	,	PUNCT
ejif-6714	108	48	namely	namely	ADV
ejif-6714	108	49	business	business	NOUN
ejif-6714	108	50	activities	activity	NOUN
ejif-6714	108	51	will	will	AUX
ejif-6714	108	52	be	be	AUX
ejif-6714	108	53	risky	risky	ADJ
ejif-6714	108	54	,	,	PUNCT
ejif-6714	108	55	and	and	CCONJ
ejif-6714	108	56	these	these	DET
ejif-6714	108	57	risks	risk	NOUN
ejif-6714	108	58	must	must	AUX
ejif-6714	108	59	be	be	AUX
ejif-6714	108	60	managed	manage	VERB
ejif-6714	108	61	responsibly	responsibly	ADV
ejif-6714	108	62	[	[	X
ejif-6714	108	63	36	36	NUM
ejif-6714	108	64	]	]	PUNCT
ejif-6714	108	65	.	.	PUNCT
ejif-6714	109	1	therefore	therefore	ADV
ejif-6714	109	2	,	,	PUNCT
ejif-6714	109	3	if	if	SCONJ
ejif-6714	109	4	financing	finance	VERB
ejif-6714	109	5	distribution	distribution	NOUN
ejif-6714	109	6	to	to	ADP
ejif-6714	109	7	islamic	islamic	ADJ
ejif-6714	109	8	banks	bank	NOUN
ejif-6714	109	9	is	be	AUX
ejif-6714	109	10	good	good	ADJ
ejif-6714	109	11	,	,	PUNCT
ejif-6714	109	12	the	the	DET
ejif-6714	109	13	risk	risk	NOUN
ejif-6714	109	14	of	of	ADP
ejif-6714	109	15	losing	lose	VERB
ejif-6714	109	16	islamic	islamic	ADJ
ejif-6714	109	17	banks	bank	NOUN
ejif-6714	109	18	will	will	AUX
ejif-6714	109	19	be	be	AUX
ejif-6714	109	20	more	more	ADV
ejif-6714	109	21	predictable	predictable	ADJ
ejif-6714	109	22	[	[	X
ejif-6714	109	23	37	37	NUM
ejif-6714	109	24	]	]	PUNCT
ejif-6714	109	25	.	.	PUNCT
ejif-6714	110	1	thus	thus	ADV
ejif-6714	110	2	,	,	PUNCT
ejif-6714	110	3	if	if	SCONJ
ejif-6714	110	4	the	the	DET
ejif-6714	110	5	risk	risk	NOUN
ejif-6714	110	6	of	of	ADP
ejif-6714	110	7	loss	loss	NOUN
ejif-6714	110	8	from	from	ADP
ejif-6714	110	9	islamic	islamic	ADJ
ejif-6714	110	10	banks	bank	NOUN
ejif-6714	110	11	is	be	AUX
ejif-6714	110	12	low	low	ADJ
ejif-6714	110	13	,	,	PUNCT
ejif-6714	110	14	the	the	DET
ejif-6714	110	15	income	income	NOUN
ejif-6714	110	16	received	receive	VERB
ejif-6714	110	17	will	will	AUX
ejif-6714	110	18	also	also	ADV
ejif-6714	110	19	increase	increase	VERB
ejif-6714	110	20	,	,	PUNCT
ejif-6714	110	21	so	so	ADV
ejif-6714	110	22	the	the	DET
ejif-6714	110	23	roa	roa	NOUN
ejif-6714	110	24	of	of	ADP
ejif-6714	110	25	islamic	islamic	ADJ
ejif-6714	110	26	banks	bank	NOUN
ejif-6714	110	27	will	will	AUX
ejif-6714	110	28	also	also	ADV
ejif-6714	110	29	be	be	AUX
ejif-6714	110	30	better	well	ADJ
ejif-6714	110	31	.	.	PUNCT
ejif-6714	111	1	therefore	therefore	ADV
ejif-6714	111	2	,	,	PUNCT
ejif-6714	111	3	the	the	DET
ejif-6714	111	4	financing	financing	NOUN
ejif-6714	111	5	quality	quality	NOUN
ejif-6714	111	6	formula	formula	NOUN
ejif-6714	111	7	(	(	PUNCT
ejif-6714	111	8	npf	npf	NOUN
ejif-6714	111	9	)	)	PUNCT
ejif-6714	111	10	is	be	AUX
ejif-6714	111	11	as	as	SCONJ
ejif-6714	111	12	follows	follow	VERB
ejif-6714	111	13	:	:	PUNCT
ejif-6714	111	14	d.	d.	NOUN
ejif-6714	111	15	effect	effect	NOUN
ejif-6714	111	16	of	of	ADP
ejif-6714	111	17	lcr	lcr	NOUN
ejif-6714	111	18	on	on	ADP
ejif-6714	111	19	roa	roa	PROPN
ejif-6714	111	20	employee	employee	NOUN
ejif-6714	111	21	productivity	productivity	NOUN
ejif-6714	111	22	is	be	AUX
ejif-6714	111	23	measured	measure	VERB
ejif-6714	111	24	by	by	ADP
ejif-6714	111	25	the	the	DET
ejif-6714	111	26	results	result	NOUN
ejif-6714	111	27	obtained	obtain	VERB
ejif-6714	111	28	compared	compare	VERB
ejif-6714	111	29	to	to	ADP
ejif-6714	111	30	the	the	DET
ejif-6714	111	31	costs	cost	NOUN
ejif-6714	111	32	incurred	incur	VERB
ejif-6714	111	33	[	[	PUNCT
ejif-6714	111	34	38	38	NUM
ejif-6714	111	35	]	]	PUNCT
ejif-6714	111	36	.	.	PUNCT
ejif-6714	112	1	if	if	SCONJ
ejif-6714	112	2	the	the	DET
ejif-6714	112	3	output	output	NOUN
ejif-6714	112	4	produced	produce	VERB
ejif-6714	112	5	is	be	AUX
ejif-6714	112	6	higher	high	ADJ
ejif-6714	112	7	than	than	ADP
ejif-6714	112	8	the	the	DET
ejif-6714	112	9	expenditure	expenditure	NOUN
ejif-6714	112	10	,	,	PUNCT
ejif-6714	112	11	the	the	DET
ejif-6714	112	12	more	more	ADV
ejif-6714	112	13	productive	productive	ADJ
ejif-6714	112	14	the	the	DET
ejif-6714	112	15	activity	activity	NOUN
ejif-6714	112	16	is	be	AUX
ejif-6714	112	17	[	[	X
ejif-6714	112	18	39	39	NUM
ejif-6714	112	19	]	]	PUNCT
ejif-6714	112	20	.	.	PUNCT
ejif-6714	113	1	human	human	ADJ
ejif-6714	113	2	resources	resource	NOUN
ejif-6714	113	3	are	be	AUX
ejif-6714	113	4	vital	vital	ADJ
ejif-6714	113	5	capital	capital	NOUN
ejif-6714	113	6	for	for	SCONJ
ejif-6714	113	7	islamic	islamic	ADJ
ejif-6714	113	8	banks	bank	NOUN
ejif-6714	113	9	to	to	PART
ejif-6714	113	10	carry	carry	VERB
ejif-6714	113	11	out	out	ADP
ejif-6714	113	12	the	the	DET
ejif-6714	113	13	bank	bank	NOUN
ejif-6714	113	14	's	's	PART
ejif-6714	113	15	business	business	NOUN
ejif-6714	113	16	activities	activity	NOUN
ejif-6714	113	17	[	[	X
ejif-6714	113	18	40	40	NUM
ejif-6714	113	19	]	]	PUNCT
ejif-6714	113	20	,	,	PUNCT
ejif-6714	113	21	[	[	X
ejif-6714	113	22	41	41	NUM
ejif-6714	113	23	]	]	PUNCT
ejif-6714	113	24	.	.	PUNCT
ejif-6714	114	1	therefore	therefore	ADV
ejif-6714	114	2	,	,	PUNCT
ejif-6714	114	3	islamic	islamic	ADJ
ejif-6714	114	4	banks	bank	NOUN
ejif-6714	114	5	must	must	AUX
ejif-6714	114	6	focus	focus	VERB
ejif-6714	114	7	on	on	ADP
ejif-6714	114	8	developing	develop	VERB
ejif-6714	114	9	their	their	PRON
ejif-6714	114	10	human	human	ADJ
ejif-6714	114	11	resource	resource	NOUN
ejif-6714	114	12	capabilities	capability	NOUN
ejif-6714	114	13	through	through	ADP
ejif-6714	114	14	training	training	NOUN
ejif-6714	114	15	following	follow	VERB
ejif-6714	114	16	the	the	DET
ejif-6714	114	17	company	company	NOUN
ejif-6714	114	18	's	's	PART
ejif-6714	114	19	development	development	NOUN
ejif-6714	114	20	needs	need	NOUN
ejif-6714	114	21	and	and	CCONJ
ejif-6714	114	22	employee	employee	NOUN
ejif-6714	114	23	career	career	NOUN
ejif-6714	114	24	development	development	NOUN
ejif-6714	114	25	.	.	PUNCT
ejif-6714	115	1	furthermore	furthermore	ADV
ejif-6714	115	2	,	,	PUNCT
ejif-6714	115	3	the	the	DET
ejif-6714	115	4	productivity	productivity	NOUN
ejif-6714	115	5	of	of	ADP
ejif-6714	115	6	islamic	islamic	ADJ
ejif-6714	115	7	banks	bank	NOUN
ejif-6714	115	8	is	be	AUX
ejif-6714	115	9	determined	determine	VERB
ejif-6714	115	10	by	by	ADP
ejif-6714	115	11	creativity	creativity	NOUN
ejif-6714	115	12	and	and	CCONJ
ejif-6714	115	13	innovation	innovation	NOUN
ejif-6714	115	14	in	in	ADP
ejif-6714	115	15	marketing	marketing	NOUN
ejif-6714	115	16	and	and	CCONJ
ejif-6714	115	17	developing	develop	VERB
ejif-6714	115	18	their	their	PRON
ejif-6714	115	19	goods	good	NOUN
ejif-6714	115	20	and	and	CCONJ
ejif-6714	115	21	services	service	NOUN
ejif-6714	115	22	to	to	PART
ejif-6714	115	23	be	be	AUX
ejif-6714	115	24	accepted	accept	VERB
ejif-6714	115	25	and	and	CCONJ
ejif-6714	115	26	used	use	VERB
ejif-6714	115	27	by	by	ADP
ejif-6714	115	28	the	the	DET
ejif-6714	115	29	community	community	NOUN
ejif-6714	115	30	.	.	PUNCT
ejif-6714	116	1	therefore	therefore	ADV
ejif-6714	116	2	,	,	PUNCT
ejif-6714	116	3	the	the	DET
ejif-6714	116	4	formula	formula	NOUN
ejif-6714	116	5	for	for	ADP
ejif-6714	116	6	the	the	DET
ejif-6714	116	7	labor	labor	NOUN
ejif-6714	116	8	cost	cost	NOUN
ejif-6714	116	9	ratio	ratio	NOUN
ejif-6714	116	10	is	be	AUX
ejif-6714	116	11	as	as	SCONJ
ejif-6714	116	12	follows	follow	VERB
ejif-6714	116	13	:	:	PUNCT
ejif-6714	116	14	e.	e.	PROPN
ejif-6714	116	15	roa	roa	PROPN
ejif-6714	116	16	as	as	ADP
ejif-6714	116	17	dependent	dependent	ADJ
ejif-6714	116	18	variable	variable	NOUN
ejif-6714	116	19	the	the	DET
ejif-6714	116	20	islamic	islamic	PROPN
ejif-6714	116	21	bank	bank	PROPN
ejif-6714	116	22	's	's	PART
ejif-6714	116	23	performance	performance	NOUN
ejif-6714	116	24	achievement	achievement	NOUN
ejif-6714	116	25	is	be	AUX
ejif-6714	116	26	vital	vital	ADJ
ejif-6714	116	27	for	for	SCONJ
ejif-6714	116	28	investors	investor	NOUN
ejif-6714	116	29	and	and	CCONJ
ejif-6714	116	30	stakeholders	stakeholder	NOUN
ejif-6714	116	31	to	to	PART
ejif-6714	116	32	ensure	ensure	VERB
ejif-6714	116	33	sustainability	sustainability	NOUN
ejif-6714	116	34	in	in	ADP
ejif-6714	116	35	its	its	PRON
ejif-6714	116	36	business	business	NOUN
ejif-6714	116	37	activities	activity	NOUN
ejif-6714	116	38	[	[	X
ejif-6714	116	39	42	42	NUM
ejif-6714	116	40	]	]	PUNCT
ejif-6714	116	41	.	.	PUNCT
ejif-6714	117	1	one	one	NUM
ejif-6714	117	2	of	of	ADP
ejif-6714	117	3	the	the	DET
ejif-6714	117	4	vital	vital	ADJ
ejif-6714	117	5	indicators	indicator	NOUN
ejif-6714	117	6	to	to	PART
ejif-6714	117	7	measure	measure	VERB
ejif-6714	117	8	performance	performance	NOUN
ejif-6714	117	9	is	be	AUX
ejif-6714	117	10	profitability	profitability	NOUN
ejif-6714	117	11	,	,	PUNCT
ejif-6714	117	12	represented	represent	VERB
ejif-6714	117	13	by	by	ADP
ejif-6714	117	14	one	one	NUM
ejif-6714	117	15	of	of	ADP
ejif-6714	117	16	the	the	DET
ejif-6714	117	17	key	key	ADJ
ejif-6714	117	18	financial	financial	ADJ
ejif-6714	117	19	indicators	indicator	NOUN
ejif-6714	117	20	is	be	AUX
ejif-6714	117	21	return	return	NOUN
ejif-6714	117	22	on	on	ADP
ejif-6714	117	23	assets	asset	NOUN
ejif-6714	117	24	(	(	PUNCT
ejif-6714	117	25	roa	roa	NOUN
ejif-6714	117	26	)	)	PUNCT
ejif-6714	118	1	[	[	X
ejif-6714	118	2	43	43	NUM
ejif-6714	118	3	]	]	PUNCT
ejif-6714	118	4	.	.	PUNCT
ejif-6714	119	1	moreover	moreover	ADV
ejif-6714	119	2	,	,	PUNCT
ejif-6714	119	3	the	the	DET
ejif-6714	119	4	formula	formula	NOUN
ejif-6714	119	5	for	for	ADP
ejif-6714	119	6	roa	roa	NOUN
ejif-6714	119	7	is	be	AUX
ejif-6714	119	8	as	as	SCONJ
ejif-6714	119	9	follows	follow	VERB
ejif-6714	119	10	:	:	PUNCT
ejif-6714	119	11	furthermore	furthermore	ADV
ejif-6714	119	12	,	,	PUNCT
ejif-6714	119	13	based	base	VERB
ejif-6714	119	14	on	on	ADP
ejif-6714	119	15	the	the	DET
ejif-6714	119	16	development	development	NOUN
ejif-6714	119	17	of	of	ADP
ejif-6714	119	18	hypotheses	hypothesis	NOUN
ejif-6714	119	19	and	and	CCONJ
ejif-6714	119	20	operational	operational	ADJ
ejif-6714	119	21	variables	variable	NOUN
ejif-6714	119	22	from	from	ADP
ejif-6714	119	23	this	this	DET
ejif-6714	119	24	study	study	NOUN
ejif-6714	119	25	,	,	PUNCT
ejif-6714	119	26	the	the	DET
ejif-6714	119	27	equations	equation	NOUN
ejif-6714	119	28	of	of	ADP
ejif-6714	119	29	this	this	DET
ejif-6714	119	30	research	research	NOUN
ejif-6714	119	31	are	be	AUX
ejif-6714	119	32	as	as	SCONJ
ejif-6714	119	33	follows	follow	VERB
ejif-6714	119	34	:	:	PUNCT
ejif-6714	119	35	(	(	PUNCT
ejif-6714	119	36	1	1	X
ejif-6714	119	37	)	)	PUNCT
ejif-6714	119	38	remarks	remark	VERB
ejif-6714	119	39	:	:	PUNCT
ejif-6714	119	40	roa	roa	NOUN
ejif-6714	119	41	:	:	PUNCT
ejif-6714	119	42	return	return	VERB
ejif-6714	119	43	on	on	ADP
ejif-6714	119	44	assets	asset	NOUN
ejif-6714	119	45	;	;	PUNCT
ejif-6714	119	46	fdr	fdr	PROPN
ejif-6714	119	47	:	:	PUNCT
ejif-6714	119	48	financing	financing	NOUN
ejif-6714	119	49	to	to	PART
ejif-6714	119	50	deposit	deposit	VERB
ejif-6714	119	51	ratio	ratio	NOUN
ejif-6714	119	52	;	;	PUNCT
ejif-6714	120	1	msf	msf	NOUN
ejif-6714	120	2	:	:	PUNCT
ejif-6714	120	3	micro	micro	ADJ
ejif-6714	120	4	and	and	CCONJ
ejif-6714	120	5	small	small	ADJ
ejif-6714	120	6	financing	financing	NOUN
ejif-6714	120	7	ratio	ratio	NOUN
ejif-6714	120	8	;	;	PUNCT
ejif-6714	120	9	pcr	pcr	ADJ
ejif-6714	120	10	:	:	PUNCT
ejif-6714	120	11	promotion	promotion	NOUN
ejif-6714	120	12	cost	cost	NOUN
ejif-6714	120	13	ratio	ratio	NOUN
ejif-6714	120	14	;	;	PUNCT
ejif-6714	120	15	npf	npf	PROPN
ejif-6714	120	16	:	:	PUNCT
ejif-6714	120	17	non	non	ADJ
ejif-6714	120	18	-	-	ADJ
ejif-6714	120	19	performing	performing	ADJ
ejif-6714	120	20	financing	financing	NOUN
ejif-6714	120	21	;	;	PUNCT
ejif-6714	120	22	lcr	lcr	NOUN
ejif-6714	120	23	:	:	PUNCT
ejif-6714	120	24	labor	labor	NOUN
ejif-6714	120	25	cost	cost	NOUN
ejif-6714	120	26	ratio	ratio	NOUN
ejif-6714	120	27	.	.	PUNCT
ejif-6714	121	1	iv	iv	X
ejif-6714	121	2	.	.	PUNCT
ejif-6714	121	3	results	result	NOUN
ejif-6714	121	4	and	and	CCONJ
ejif-6714	121	5	discussion	discussion	NOUN
ejif-6714	121	6	the	the	DET
ejif-6714	121	7	test	test	NOUN
ejif-6714	121	8	model	model	NOUN
ejif-6714	121	9	was	be	AUX
ejif-6714	121	10	first	first	ADV
ejif-6714	121	11	tested	test	VERB
ejif-6714	121	12	for	for	ADP
ejif-6714	121	13	normality	normality	NOUN
ejif-6714	121	14	of	of	ADP
ejif-6714	121	15	the	the	DET
ejif-6714	121	16	residuals	residual	NOUN
ejif-6714	121	17	using	use	VERB
ejif-6714	121	18	the	the	DET
ejif-6714	121	19	jarque	jarque	NOUN
ejif-6714	121	20	-	-	PUNCT
ejif-6714	121	21	bera	bera	NOUN
ejif-6714	121	22	(	(	PUNCT
ejif-6714	121	23	j	j	PROPN
ejif-6714	121	24	-	-	PUNCT
ejif-6714	121	25	b	b	NOUN
ejif-6714	121	26	)	)	PUNCT
ejif-6714	121	27	test	test	NOUN
ejif-6714	121	28	.	.	PUNCT
ejif-6714	122	1	in	in	ADP
ejif-6714	122	2	this	this	DET
ejif-6714	122	3	study	study	NOUN
ejif-6714	122	4	,	,	PUNCT
ejif-6714	122	5	the	the	DET
ejif-6714	122	6	level	level	NOUN
ejif-6714	122	7	of	of	ADP
ejif-6714	122	8	significance	significance	NOUN
ejif-6714	122	9	used	use	VERB
ejif-6714	122	10	was	be	AUX
ejif-6714	122	11	α	α	X
ejif-6714	122	12	=	=	NOUN
ejif-6714	122	13	0.05	0.05	NUM
ejif-6714	122	14	.	.	PUNCT
ejif-6714	123	1	the	the	DET
ejif-6714	123	2	basis	basis	NOUN
ejif-6714	123	3	for	for	ADP
ejif-6714	123	4	making	make	VERB
ejif-6714	123	5	decisions	decision	NOUN
ejif-6714	123	6	is	be	AUX
ejif-6714	123	7	to	to	PART
ejif-6714	123	8	look	look	VERB
ejif-6714	123	9	at	at	ADP
ejif-6714	123	10	the	the	DET
ejif-6714	123	11	probability	probability	NOUN
ejif-6714	123	12	numbers	number	NOUN
ejif-6714	123	13	from	from	ADP
ejif-6714	123	14	the	the	DET
ejif-6714	123	15	j	j	PROPN
ejif-6714	123	16	-	-	PUNCT
ejif-6714	123	17	b	b	PROPN
ejif-6714	123	18	statistics	statistic	NOUN
ejif-6714	123	19	,	,	PUNCT
ejif-6714	123	20	with	with	ADP
ejif-6714	123	21	the	the	DET
ejif-6714	123	22	following	follow	VERB
ejif-6714	123	23	conditions	condition	NOUN
ejif-6714	123	24	:	:	PUNCT
ejif-6714	123	25	§	§	PROPN
ejif-6714	123	26	if	if	SCONJ
ejif-6714	123	27	the	the	DET
ejif-6714	123	28	probability	probability	NOUN
ejif-6714	123	29	value	value	NOUN
ejif-6714	123	30	of	of	ADP
ejif-6714	123	31	p	p	NOUN
ejif-6714	123	32	0.05	0.05	NUM
ejif-6714	123	33	,	,	PUNCT
ejif-6714	123	34	then	then	ADV
ejif-6714	123	35	the	the	DET
ejif-6714	123	36	assumption	assumption	NOUN
ejif-6714	123	37	of	of	ADP
ejif-6714	123	38	normality	normality	NOUN
ejif-6714	123	39	is	be	AUX
ejif-6714	123	40	fulfilled	fulfil	VERB
ejif-6714	123	41	;	;	PUNCT
ejif-6714	123	42	§	§	PROPN
ejif-6714	123	43	if	if	SCONJ
ejif-6714	123	44	the	the	DET
ejif-6714	123	45	probability	probability	NOUN
ejif-6714	123	46	<	<	X
ejif-6714	123	47	0.05	0.05	NUM
ejif-6714	123	48	,	,	PUNCT
ejif-6714	123	49	then	then	ADV
ejif-6714	123	50	the	the	DET
ejif-6714	123	51	normality	normality	NOUN
ejif-6714	123	52	assumption	assumption	NOUN
ejif-6714	123	53	is	be	AUX
ejif-6714	123	54	not	not	PART
ejif-6714	123	55	fulfilled	fulfil	VERB
ejif-6714	123	56	.	.	PUNCT
ejif-6714	124	1	figure	figure	VERB
ejif-6714	124	2	3	3	NUM
ejif-6714	124	3	.	.	PUNCT
ejif-6714	124	4	jarque	jarque	NOUN
ejif-6714	124	5	-	-	PUNCT
ejif-6714	124	6	bera	bera	NOUN
ejif-6714	124	7	normality	normality	NOUN
ejif-6714	124	8	test	test	NOUN
ejif-6714	124	9	source	source	NOUN
ejif-6714	124	10	:	:	PUNCT
ejif-6714	124	11	results	result	NOUN
ejif-6714	124	12	of	of	ADP
ejif-6714	124	13	the	the	DET
ejif-6714	124	14	eviews	eviews	PROPN
ejif-6714	124	15	9	9	NUM
ejif-6714	124	16	software	software	NOUN
ejif-6714	124	17	european	european	PROPN
ejif-6714	124	18	journal	journal	PROPN
ejif-6714	124	19	of	of	ADP
ejif-6714	124	20	islamic	islamic	PROPN
ejif-6714	124	21	finance	finance	PROPN
ejif-6714	124	22	issn	issn	PROPN
ejif-6714	124	23	:	:	PUNCT
ejif-6714	124	24	2421	2421	NUM
ejif-6714	124	25	-	-	SYM
ejif-6714	124	26	2172	2172	NUM
ejif-6714	124	27	doi	doi	NOUN
ejif-6714	124	28	:	:	PUNCT
ejif-6714	124	29	10.13135/2421	10.13135/2421	NUM
ejif-6714	124	30	-	-	SYM
ejif-6714	124	31	2172/6714	2172/6714	NUM
ejif-6714	124	32	published	publish	VERB
ejif-6714	124	33	by	by	ADP
ejif-6714	124	34	the	the	DET
ejif-6714	124	35	university	university	PROPN
ejif-6714	124	36	of	of	ADP
ejif-6714	124	37	turin	turin	PROPN
ejif-6714	125	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	125	2	ejif	ejif	PROPN
ejif-6714	125	3	content	content	NOUN
ejif-6714	125	4	is	be	AUX
ejif-6714	125	5	licensed	license	VERB
ejif-6714	125	6	under	under	ADP
ejif-6714	125	7	a	a	DET
ejif-6714	125	8	creative	creative	ADJ
ejif-6714	125	9	commons	common	NOUN
ejif-6714	125	10	attribution	attribution	NOUN
ejif-6714	125	11	4.0	4.0	NUM
ejif-6714	125	12	international	international	ADJ
ejif-6714	125	13	license	license	NOUN
ejif-6714	125	14	received	receive	VERB
ejif-6714	125	15	:	:	PUNCT
ejif-6714	125	16	25/04/2022	25/04/2022	NUM
ejif-6714	125	17	accepted	accept	VERB
ejif-6714	125	18	for	for	ADP
ejif-6714	125	19	publication	publication	NOUN
ejif-6714	125	20	:	:	PUNCT
ejif-6714	125	21	19/11/2022	19/11/2022	NUM
ejif-6714	125	22	published	publish	VERB
ejif-6714	125	23	:	:	PUNCT
ejif-6714	125	24	29/12/2022	29/12/2022	NUM
ejif-6714	125	25	42	42	NUM
ejif-6714	125	26	based	base	VERB
ejif-6714	125	27	on	on	ADP
ejif-6714	125	28	figure	figure	NOUN
ejif-6714	125	29	3	3	NUM
ejif-6714	125	30	above	above	ADV
ejif-6714	125	31	,	,	PUNCT
ejif-6714	125	32	it	it	PRON
ejif-6714	125	33	is	be	AUX
ejif-6714	125	34	known	know	VERB
ejif-6714	125	35	that	that	SCONJ
ejif-6714	125	36	the	the	DET
ejif-6714	125	37	probability	probability	NOUN
ejif-6714	125	38	value	value	NOUN
ejif-6714	125	39	of	of	ADP
ejif-6714	125	40	the	the	DET
ejif-6714	125	41	j	j	PROPN
ejif-6714	125	42	-	-	PUNCT
ejif-6714	125	43	b	b	PROPN
ejif-6714	125	44	statistic	statistic	NOUN
ejif-6714	125	45	is	be	AUX
ejif-6714	125	46	0.317	0.317	NUM
ejif-6714	125	47	.	.	PUNCT
ejif-6714	126	1	because	because	SCONJ
ejif-6714	126	2	the	the	DET
ejif-6714	126	3	probability	probability	NOUN
ejif-6714	126	4	value	value	NOUN
ejif-6714	126	5	of	of	ADP
ejif-6714	126	6	p	p	NOUN
ejif-6714	126	7	,	,	PUNCT
ejif-6714	126	8	which	which	PRON
ejif-6714	126	9	is	be	AUX
ejif-6714	126	10	0.853	0.853	NUM
ejif-6714	126	11	,	,	PUNCT
ejif-6714	126	12	is	be	AUX
ejif-6714	126	13	greater	great	ADJ
ejif-6714	126	14	than	than	ADP
ejif-6714	126	15	the	the	DET
ejif-6714	126	16	significance	significance	NOUN
ejif-6714	126	17	level	level	NOUN
ejif-6714	126	18	,	,	PUNCT
ejif-6714	126	19	which	which	PRON
ejif-6714	126	20	is	be	AUX
ejif-6714	126	21	0.05	0.05	NUM
ejif-6714	126	22	.	.	PUNCT
ejif-6714	127	1	this	this	PRON
ejif-6714	127	2	means	mean	VERB
ejif-6714	127	3	that	that	SCONJ
ejif-6714	127	4	the	the	DET
ejif-6714	127	5	assumption	assumption	NOUN
ejif-6714	127	6	of	of	ADP
ejif-6714	127	7	normality	normality	NOUN
ejif-6714	127	8	is	be	AUX
ejif-6714	127	9	met	meet	VERB
ejif-6714	127	10	.	.	PUNCT
ejif-6714	128	1	a.	a.	NOUN
ejif-6714	128	2	multicollinearity	multicollinearity	NOUN
ejif-6714	128	3	test	test	NOUN
ejif-6714	128	4	in	in	ADP
ejif-6714	128	5	this	this	DET
ejif-6714	128	6	study	study	NOUN
ejif-6714	128	7	,	,	PUNCT
ejif-6714	128	8	the	the	DET
ejif-6714	128	9	symptoms	symptom	NOUN
ejif-6714	128	10	of	of	ADP
ejif-6714	128	11	multicollinearity	multicollinearity	NOUN
ejif-6714	128	12	can	can	AUX
ejif-6714	128	13	be	be	AUX
ejif-6714	128	14	seen	see	VERB
ejif-6714	128	15	from	from	ADP
ejif-6714	128	16	the	the	DET
ejif-6714	128	17	vif	vif	NOUN
ejif-6714	128	18	value	value	NOUN
ejif-6714	128	19	.	.	PUNCT
ejif-6714	129	1	[	[	X
ejif-6714	129	2	44	44	NUM
ejif-6714	129	3	]	]	PUNCT
ejif-6714	129	4	states	state	VERB
ejif-6714	129	5	that	that	SCONJ
ejif-6714	129	6	if	if	SCONJ
ejif-6714	129	7	the	the	DET
ejif-6714	129	8	vif	vif	NOUN
ejif-6714	129	9	value	value	NOUN
ejif-6714	129	10	is	be	AUX
ejif-6714	129	11	>	>	X
ejif-6714	129	12	10	10	NUM
ejif-6714	129	13	,	,	PUNCT
ejif-6714	129	14	this	this	PRON
ejif-6714	129	15	indicates	indicate	VERB
ejif-6714	129	16	multicollinearity	multicollinearity	NOUN
ejif-6714	129	17	.	.	PUNCT
ejif-6714	130	1	the	the	DET
ejif-6714	130	2	results	result	NOUN
ejif-6714	130	3	of	of	ADP
ejif-6714	130	4	the	the	DET
ejif-6714	130	5	multicollinearity	multicollinearity	NOUN
ejif-6714	130	6	test	test	NOUN
ejif-6714	130	7	are	be	AUX
ejif-6714	130	8	presented	present	VERB
ejif-6714	130	9	in	in	ADP
ejif-6714	130	10	table	table	NOUN
ejif-6714	130	11	2	2	NUM
ejif-6714	130	12	below	below	ADV
ejif-6714	130	13	:	:	PUNCT
ejif-6714	130	14	table	table	NOUN
ejif-6714	130	15	2	2	NUM
ejif-6714	130	16	.	.	PUNCT
ejif-6714	130	17	multicollinearity	multicollinearity	NOUN
ejif-6714	130	18	test	test	NOUN
ejif-6714	130	19	source	source	NOUN
ejif-6714	130	20	:	:	PUNCT
ejif-6714	130	21	results	result	NOUN
ejif-6714	130	22	of	of	ADP
ejif-6714	130	23	the	the	DET
ejif-6714	130	24	eviews	eviews	PROPN
ejif-6714	130	25	9	9	NUM
ejif-6714	130	26	software	software	NOUN
ejif-6714	130	27	based	base	VERB
ejif-6714	130	28	on	on	ADP
ejif-6714	130	29	table	table	NOUN
ejif-6714	130	30	2	2	NUM
ejif-6714	130	31	above	above	ADV
ejif-6714	130	32	,	,	PUNCT
ejif-6714	130	33	the	the	DET
ejif-6714	130	34	results	result	NOUN
ejif-6714	130	35	of	of	ADP
ejif-6714	130	36	the	the	DET
ejif-6714	130	37	multicollinearity	multicollinearity	NOUN
ejif-6714	130	38	test	test	NOUN
ejif-6714	130	39	show	show	NOUN
ejif-6714	130	40	there	there	PRON
ejif-6714	130	41	are	be	VERB
ejif-6714	130	42	no	no	DET
ejif-6714	130	43	symptoms	symptom	NOUN
ejif-6714	130	44	of	of	ADP
ejif-6714	130	45	multicollinearity	multicollinearity	NOUN
ejif-6714	130	46	between	between	ADP
ejif-6714	130	47	the	the	DET
ejif-6714	130	48	independent	independent	ADJ
ejif-6714	130	49	variables	variable	NOUN
ejif-6714	130	50	.	.	PUNCT
ejif-6714	131	1	the	the	DET
ejif-6714	131	2	vif	vif	NOUN
ejif-6714	131	3	value	value	NOUN
ejif-6714	131	4	is	be	AUX
ejif-6714	131	5	not	not	PART
ejif-6714	131	6	more	more	ADJ
ejif-6714	131	7	than	than	ADP
ejif-6714	131	8	10	10	NUM
ejif-6714	132	1	[	[	X
ejif-6714	132	2	45	45	NUM
ejif-6714	132	3	]	]	PUNCT
ejif-6714	132	4	.	.	PUNCT
ejif-6714	133	1	b.	b.	PROPN
ejif-6714	133	2	autocorrelation	autocorrelation	PROPN
ejif-6714	133	3	test	test	NOUN
ejif-6714	133	4	assumptions	assumption	NOUN
ejif-6714	133	5	regarding	regard	VERB
ejif-6714	133	6	the	the	DET
ejif-6714	133	7	independence	independence	NOUN
ejif-6714	133	8	of	of	ADP
ejif-6714	133	9	the	the	DET
ejif-6714	133	10	residuals	residual	NOUN
ejif-6714	133	11	(	(	PUNCT
ejif-6714	133	12	non	non	ADJ
ejif-6714	133	13	-	-	NOUN
ejif-6714	133	14	autocorrelation	autocorrelation	NOUN
ejif-6714	133	15	)	)	PUNCT
ejif-6714	133	16	can	can	AUX
ejif-6714	133	17	be	be	AUX
ejif-6714	133	18	tested	test	VERB
ejif-6714	133	19	using	use	VERB
ejif-6714	133	20	the	the	DET
ejif-6714	133	21	durbin	durbin	ADJ
ejif-6714	133	22	-	-	PUNCT
ejif-6714	133	23	watson	watson	NOUN
ejif-6714	133	24	test	test	NOUN
ejif-6714	133	25	.	.	PUNCT
ejif-6714	134	1	the	the	DET
ejif-6714	134	2	statistical	statistical	ADJ
ejif-6714	134	3	value	value	NOUN
ejif-6714	134	4	of	of	ADP
ejif-6714	134	5	the	the	DET
ejif-6714	134	6	durbin	durbin	ADJ
ejif-6714	134	7	-	-	PUNCT
ejif-6714	134	8	watson	watson	NOUN
ejif-6714	134	9	test	test	NOUN
ejif-6714	134	10	ranged	range	VERB
ejif-6714	134	11	between	between	ADP
ejif-6714	134	12	0	0	NUM
ejif-6714	134	13	and	and	CCONJ
ejif-6714	134	14	4	4	NUM
ejif-6714	134	15	.	.	NOUN
ejif-6714	134	16	statistical	statistical	ADJ
ejif-6714	134	17	values	value	NOUN
ejif-6714	134	18	of	of	ADP
ejif-6714	134	19	the	the	DET
ejif-6714	134	20	durbin	durbin	ADJ
ejif-6714	134	21	-	-	PUNCT
ejif-6714	134	22	watson	watson	NOUN
ejif-6714	134	23	test	test	NOUN
ejif-6714	134	24	that	that	PRON
ejif-6714	134	25	were	be	AUX
ejif-6714	134	26	smaller	small	ADJ
ejif-6714	134	27	than	than	ADP
ejif-6714	134	28	1	1	NUM
ejif-6714	134	29	or	or	CCONJ
ejif-6714	134	30	greater	great	ADJ
ejif-6714	134	31	than	than	ADP
ejif-6714	134	32	3	3	NUM
ejif-6714	134	33	indicated	indicate	VERB
ejif-6714	134	34	an	an	DET
ejif-6714	134	35	autocorrelation	autocorrelation	NOUN
ejif-6714	134	36	.	.	PUNCT
ejif-6714	135	1	table	table	NOUN
ejif-6714	135	2	3	3	NUM
ejif-6714	135	3	.	.	X
ejif-6714	135	4	autocorrelation	autocorrelation	NOUN
ejif-6714	135	5	test	test	NOUN
ejif-6714	135	6	with	with	ADP
ejif-6714	135	7	durbin	durbin	ADJ
ejif-6714	135	8	-	-	PUNCT
ejif-6714	135	9	watson	watson	PROPN
ejif-6714	135	10	test	test	NOUN
ejif-6714	135	11	log	log	NOUN
ejif-6714	135	12	-	-	PUNCT
ejif-6714	135	13	likelihood	likelihood	NOUN
ejif-6714	135	14	-51.55356	-51.55356	PUNCT
ejif-6714	135	15	hannan	hannan	PROPN
ejif-6714	135	16	-	-	PUNCT
ejif-6714	135	17	quinn	quinn	PROPN
ejif-6714	135	18	criter	criter	NOUN
ejif-6714	135	19	.	.	PUNCT
ejif-6714	136	1	2.831635	2.831635	NUM
ejif-6714	136	2	durbin	durbin	ADJ
ejif-6714	136	3	-	-	PUNCT
ejif-6714	136	4	watson	watson	NOUN
ejif-6714	136	5	stat	stat	PROPN
ejif-6714	136	6	1.702421	1.702421	NUM
ejif-6714	136	7	source	source	NOUN
ejif-6714	136	8	:	:	PUNCT
ejif-6714	136	9	results	result	NOUN
ejif-6714	136	10	of	of	ADP
ejif-6714	136	11	the	the	DET
ejif-6714	136	12	eviews	eviews	PROPN
ejif-6714	136	13	9	9	NUM
ejif-6714	136	14	software	software	NOUN
ejif-6714	136	15	based	base	VERB
ejif-6714	136	16	on	on	ADP
ejif-6714	136	17	table	table	NOUN
ejif-6714	136	18	3	3	NUM
ejif-6714	136	19	above	above	ADV
ejif-6714	136	20	,	,	PUNCT
ejif-6714	136	21	the	the	DET
ejif-6714	136	22	value	value	NOUN
ejif-6714	136	23	of	of	ADP
ejif-6714	136	24	the	the	DET
ejif-6714	136	25	durbin	durbin	ADJ
ejif-6714	136	26	-	-	PUNCT
ejif-6714	136	27	watson	watson	NOUN
ejif-6714	136	28	statistic	statistic	NOUN
ejif-6714	136	29	is	be	AUX
ejif-6714	136	30	1.702	1.702	NUM
ejif-6714	136	31	because	because	SCONJ
ejif-6714	136	32	the	the	DET
ejif-6714	136	33	value	value	NOUN
ejif-6714	136	34	of	of	ADP
ejif-6714	136	35	the	the	DET
ejif-6714	136	36	durbin	durbin	ADJ
ejif-6714	136	37	-	-	PUNCT
ejif-6714	136	38	watson	watson	NOUN
ejif-6714	136	39	statistic	statistic	NOUN
ejif-6714	136	40	is	be	AUX
ejif-6714	136	41	between	between	ADP
ejif-6714	136	42	1	1	NUM
ejif-6714	136	43	and	and	CCONJ
ejif-6714	136	44	3	3	NUM
ejif-6714	136	45	,	,	PUNCT
ejif-6714	136	46	i.e.	i.e.	X
ejif-6714	136	47	,	,	PUNCT
ejif-6714	136	48	1	1	NUM
ejif-6714	136	49	<	<	X
ejif-6714	136	50	2.240788	2.240788	NUM
ejif-6714	136	51	<	<	X
ejif-6714	136	52	3	3	NUM
ejif-6714	136	53	,	,	PUNCT
ejif-6714	136	54	then	then	ADV
ejif-6714	136	55	the	the	DET
ejif-6714	136	56	non	non	ADJ
ejif-6714	136	57	-	-	NOUN
ejif-6714	136	58	autocorrelation	autocorrelation	ADJ
ejif-6714	136	59	assumption	assumption	NOUN
ejif-6714	136	60	is	be	AUX
ejif-6714	136	61	met	meet	VERB
ejif-6714	136	62	.	.	PUNCT
ejif-6714	137	1	in	in	ADP
ejif-6714	137	2	other	other	ADJ
ejif-6714	137	3	words	word	NOUN
ejif-6714	137	4	,	,	PUNCT
ejif-6714	137	5	there	there	PRON
ejif-6714	137	6	is	be	VERB
ejif-6714	137	7	no	no	DET
ejif-6714	137	8	high	high	ADJ
ejif-6714	137	9	autocorrelation	autocorrelation	NOUN
ejif-6714	137	10	symptom	symptom	NOUN
ejif-6714	137	11	in	in	ADP
ejif-6714	137	12	the	the	DET
ejif-6714	137	13	residuals	residual	NOUN
ejif-6714	137	14	.	.	PUNCT
ejif-6714	138	1	c.	c.	PROPN
ejif-6714	138	2	heteroscedasticity	heteroscedasticity	PROPN
ejif-6714	138	3	test	test	NOUN
ejif-6714	138	4	furthermore	furthermore	ADV
ejif-6714	138	5	,	,	PUNCT
ejif-6714	138	6	to	to	PART
ejif-6714	138	7	test	test	VERB
ejif-6714	138	8	whether	whether	SCONJ
ejif-6714	138	9	there	there	PRON
ejif-6714	138	10	is	be	VERB
ejif-6714	138	11	heteroscedasticity	heteroscedasticity	NOUN
ejif-6714	138	12	or	or	CCONJ
ejif-6714	138	13	not	not	PART
ejif-6714	138	14	,	,	PUNCT
ejif-6714	138	15	the	the	DET
ejif-6714	138	16	breusch	breusch	ADJ
ejif-6714	138	17	-	-	PUNCT
ejif-6714	138	18	pagan	pagan	ADJ
ejif-6714	138	19	test	test	NOUN
ejif-6714	138	20	can	can	AUX
ejif-6714	138	21	be	be	AUX
ejif-6714	138	22	used	use	VERB
ejif-6714	138	23	.	.	PUNCT
ejif-6714	139	1	table	table	NOUN
ejif-6714	139	2	4	4	NUM
ejif-6714	139	3	below	below	ADP
ejif-6714	139	4	presents	present	VERB
ejif-6714	139	5	the	the	DET
ejif-6714	139	6	results	result	NOUN
ejif-6714	139	7	of	of	ADP
ejif-6714	139	8	heteroscedasticity	heteroscedasticity	NOUN
ejif-6714	139	9	testing	testing	NOUN
ejif-6714	139	10	using	use	VERB
ejif-6714	139	11	the	the	DET
ejif-6714	139	12	breusch	breusch	ADV
ejif-6714	139	13	-	-	PUNCT
ejif-6714	139	14	pagan	pagan	ADJ
ejif-6714	139	15	test	test	NOUN
ejif-6714	139	16	.	.	PUNCT
ejif-6714	140	1	table	table	NOUN
ejif-6714	140	2	4	4	NUM
ejif-6714	140	3	.	.	PUNCT
ejif-6714	141	1	heteroscedasticity	heteroscedasticity	NOUN
ejif-6714	141	2	test	test	NOUN
ejif-6714	141	3	with	with	ADP
ejif-6714	141	4	breusch	breusch	PROPN
ejif-6714	141	5	-	-	PUNCT
ejif-6714	141	6	pagan	pagan	VERB
ejif-6714	141	7	f	f	NOUN
ejif-6714	141	8	-	-	PUNCT
ejif-6714	141	9	statistic	statistic	ADJ
ejif-6714	141	10	5.030133	5.030133	NUM
ejif-6714	141	11	prob	prob	NOUN
ejif-6714	141	12	.	.	PUNCT
ejif-6714	142	1	f	f	PROPN
ejif-6714	142	2	(	(	PUNCT
ejif-6714	142	3	5,36	5,36	NUM
ejif-6714	142	4	)	)	PUNCT
ejif-6714	142	5	0.3714	0.3714	NUM
ejif-6714	142	6	obs*r	obs*r	NOUN
ejif-6714	142	7	-	-	PUNCT
ejif-6714	142	8	squared	square	VERB
ejif-6714	142	9	17.27419	17.27419	NUM
ejif-6714	142	10	prob	prob	NOUN
ejif-6714	142	11	.	.	PUNCT
ejif-6714	143	1	chi	chi	ADJ
ejif-6714	143	2	-	-	PUNCT
ejif-6714	143	3	square	square	ADJ
ejif-6714	143	4	(	(	PUNCT
ejif-6714	143	5	5	5	NUM
ejif-6714	143	6	)	)	PUNCT
ejif-6714	143	7	0.3540	0.3540	NUM
ejif-6714	143	8	source	source	NOUN
ejif-6714	143	9	:	:	PUNCT
ejif-6714	143	10	results	result	NOUN
ejif-6714	143	11	of	of	ADP
ejif-6714	143	12	the	the	DET
ejif-6714	143	13	eviews	eviews	PROPN
ejif-6714	143	14	9	9	NUM
ejif-6714	143	15	software	software	NOUN
ejif-6714	143	16	based	base	VERB
ejif-6714	143	17	on	on	ADP
ejif-6714	143	18	the	the	DET
ejif-6714	143	19	results	result	NOUN
ejif-6714	143	20	of	of	ADP
ejif-6714	143	21	the	the	DET
ejif-6714	143	22	breusch	breusch	ADV
ejif-6714	143	23	-	-	PUNCT
ejif-6714	143	24	pagan	pagan	ADJ
ejif-6714	143	25	test	test	NOUN
ejif-6714	143	26	in	in	ADP
ejif-6714	143	27	table	table	NOUN
ejif-6714	143	28	4	4	NUM
ejif-6714	143	29	above	above	ADV
ejif-6714	143	30	,	,	PUNCT
ejif-6714	143	31	it	it	PRON
ejif-6714	143	32	is	be	AUX
ejif-6714	143	33	known	know	VERB
ejif-6714	143	34	that	that	SCONJ
ejif-6714	143	35	the	the	DET
ejif-6714	143	36	prob	prob	PROPN
ejif-6714	143	37	.	.	PUNCT
ejif-6714	144	1	chi	chi	ADJ
ejif-6714	144	2	-	-	PUNCT
ejif-6714	144	3	square	square	NOUN
ejif-6714	144	4	0.3540	0.3540	NUM
ejif-6714	144	5	>	>	X
ejif-6714	144	6	0.05	0.05	NUM
ejif-6714	144	7	,	,	PUNCT
ejif-6714	144	8	which	which	PRON
ejif-6714	144	9	means	mean	VERB
ejif-6714	144	10	there	there	PRON
ejif-6714	144	11	is	be	VERB
ejif-6714	144	12	no	no	DET
ejif-6714	144	13	heteroscedasticity	heteroscedasticity	NOUN
ejif-6714	144	14	.	.	PUNCT
ejif-6714	145	1	d.	d.	PROPN
ejif-6714	145	2	chow	chow	PROPN
ejif-6714	145	3	test	test	VERB
ejif-6714	145	4	the	the	DET
ejif-6714	145	5	chow	chow	PROPN
ejif-6714	145	6	test	test	NOUN
ejif-6714	145	7	is	be	AUX
ejif-6714	145	8	used	use	VERB
ejif-6714	145	9	to	to	PART
ejif-6714	145	10	decide	decide	VERB
ejif-6714	145	11	whether	whether	SCONJ
ejif-6714	145	12	the	the	DET
ejif-6714	145	13	model	model	NOUN
ejif-6714	145	14	used	use	VERB
ejif-6714	145	15	is	be	AUX
ejif-6714	145	16	common	common	ADJ
ejif-6714	145	17	effect	effect	NOUN
ejif-6714	145	18	or	or	CCONJ
ejif-6714	145	19	fixed	fix	VERB
ejif-6714	145	20	effect	effect	NOUN
ejif-6714	145	21	,	,	PUNCT
ejif-6714	145	22	with	with	ADP
ejif-6714	145	23	the	the	DET
ejif-6714	145	24	decision	decision	NOUN
ejif-6714	145	25	criterion	criterion	NOUN
ejif-6714	145	26	that	that	SCONJ
ejif-6714	145	27	if	if	SCONJ
ejif-6714	145	28	the	the	DET
ejif-6714	145	29	cross	cross	NOUN
ejif-6714	145	30	-	-	NOUN
ejif-6714	145	31	section	section	ADJ
ejif-6714	145	32	f	f	PROPN
ejif-6714	145	33	prob	prob	NOUN
ejif-6714	145	34	score	score	VERB
ejif-6714	145	35	>	>	X
ejif-6714	145	36	0.05	0.05	NUM
ejif-6714	145	37	,	,	PUNCT
ejif-6714	145	38	then	then	ADV
ejif-6714	145	39	the	the	DET
ejif-6714	145	40	common	common	ADJ
ejif-6714	145	41	effect	effect	NOUN
ejif-6714	145	42	model	model	NOUN
ejif-6714	145	43	will	will	AUX
ejif-6714	145	44	be	be	AUX
ejif-6714	145	45	used	use	VERB
ejif-6714	145	46	.	.	PUNCT
ejif-6714	146	1	however	however	ADV
ejif-6714	146	2	,	,	PUNCT
ejif-6714	146	3	if	if	SCONJ
ejif-6714	146	4	the	the	DET
ejif-6714	146	5	cross	cross	NOUN
ejif-6714	146	6	-	-	NOUN
ejif-6714	146	7	section	section	ADJ
ejif-6714	146	8	f	f	PROPN
ejif-6714	146	9	prob	prob	NOUN
ejif-6714	146	10	score	score	VERB
ejif-6714	146	11	<	<	X
ejif-6714	146	12	0.05	0.05	NUM
ejif-6714	146	13	,	,	PUNCT
ejif-6714	146	14	the	the	DET
ejif-6714	146	15	fixed	fix	VERB
ejif-6714	146	16	effect	effect	NOUN
ejif-6714	146	17	model	model	NOUN
ejif-6714	146	18	will	will	AUX
ejif-6714	146	19	be	be	AUX
ejif-6714	146	20	used	use	VERB
ejif-6714	146	21	.	.	PUNCT
ejif-6714	147	1	table	table	NOUN
ejif-6714	147	2	5	5	NUM
ejif-6714	147	3	below	below	ADP
ejif-6714	147	4	presents	present	VERB
ejif-6714	147	5	the	the	DET
ejif-6714	147	6	results	result	NOUN
ejif-6714	147	7	of	of	ADP
ejif-6714	147	8	the	the	DET
ejif-6714	147	9	chow	chow	PROPN
ejif-6714	147	10	test	test	NOUN
ejif-6714	147	11	as	as	SCONJ
ejif-6714	147	12	follows	follow	VERB
ejif-6714	147	13	:	:	PUNCT
ejif-6714	147	14	table	table	NOUN
ejif-6714	147	15	5	5	NUM
ejif-6714	147	16	.	.	PUNCT
ejif-6714	147	17	chow	chow	PROPN
ejif-6714	147	18	test	test	NOUN
ejif-6714	147	19	effects	effect	NOUN
ejif-6714	147	20	test	test	NOUN
ejif-6714	147	21	statistic	statistic	PROPN
ejif-6714	147	22	d.f	d.f	PROPN
ejif-6714	147	23	.	.	PROPN
ejif-6714	147	24	prob	prob	PROPN
ejif-6714	147	25	.	.	PUNCT
ejif-6714	148	1	cross	cross	NOUN
ejif-6714	148	2	-	-	NOUN
ejif-6714	148	3	section	section	ADJ
ejif-6714	148	4	f	f	PROPN
ejif-6714	148	5	0.830911	0.830911	NUM
ejif-6714	148	6	(	(	PUNCT
ejif-6714	148	7	6,30	6,30	NUM
ejif-6714	148	8	)	)	PUNCT
ejif-6714	148	9	0.5555	0.5555	NUM
ejif-6714	148	10	cross	cross	ADJ
ejif-6714	148	11	-	-	NOUN
ejif-6714	148	12	section	section	ADJ
ejif-6714	148	13	chi	chi	ADJ
ejif-6714	148	14	-	-	PUNCT
ejif-6714	148	15	square	square	NOUN
ejif-6714	148	16	6.456886	6.456886	NUM
ejif-6714	148	17	6	6	NUM
ejif-6714	148	18	0.3740	0.3740	NUM
ejif-6714	148	19	source	source	NOUN
ejif-6714	148	20	:	:	PUNCT
ejif-6714	148	21	results	result	NOUN
ejif-6714	148	22	of	of	ADP
ejif-6714	148	23	the	the	DET
ejif-6714	148	24	eviews	eviews	PROPN
ejif-6714	148	25	9	9	NUM
ejif-6714	148	26	software	software	NOUN
ejif-6714	148	27	based	base	VERB
ejif-6714	148	28	on	on	ADP
ejif-6714	148	29	the	the	DET
ejif-6714	148	30	results	result	NOUN
ejif-6714	148	31	of	of	ADP
ejif-6714	148	32	the	the	DET
ejif-6714	148	33	chow	chow	PROPN
ejif-6714	148	34	test	test	NOUN
ejif-6714	148	35	in	in	ADP
ejif-6714	148	36	table	table	NOUN
ejif-6714	148	37	5	5	NUM
ejif-6714	148	38	above	above	ADV
ejif-6714	148	39	,	,	PUNCT
ejif-6714	148	40	it	it	PRON
ejif-6714	148	41	is	be	AUX
ejif-6714	148	42	known	know	VERB
ejif-6714	148	43	that	that	SCONJ
ejif-6714	148	44	the	the	DET
ejif-6714	148	45	cross	cross	NOUN
ejif-6714	148	46	-	-	NOUN
ejif-6714	148	47	section	section	ADJ
ejif-6714	148	48	f	f	PROPN
ejif-6714	148	49	prob	prob	NOUN
ejif-6714	148	50	score	score	NOUN
ejif-6714	148	51	of	of	ADP
ejif-6714	148	52	0.5555	0.5555	NUM
ejif-6714	148	53	>	>	X
ejif-6714	148	54	0.05	0.05	NUM
ejif-6714	148	55	,	,	PUNCT
ejif-6714	148	56	then	then	ADV
ejif-6714	148	57	the	the	DET
ejif-6714	148	58	common	common	ADJ
ejif-6714	148	59	effect	effect	NOUN
ejif-6714	148	60	model	model	NOUN
ejif-6714	148	61	will	will	AUX
ejif-6714	148	62	be	be	AUX
ejif-6714	148	63	used	use	VERB
ejif-6714	148	64	.	.	PUNCT
ejif-6714	149	1	e.	e.	PROPN
ejif-6714	149	2	hypothesis	hypothesis	PROPN
ejif-6714	149	3	model	model	PROPN
ejif-6714	149	4	test	test	NOUN
ejif-6714	149	5	moreover	moreover	ADV
ejif-6714	149	6	,	,	PUNCT
ejif-6714	149	7	to	to	PART
ejif-6714	149	8	test	test	VERB
ejif-6714	149	9	the	the	DET
ejif-6714	149	10	hypothesis	hypothesis	NOUN
ejif-6714	149	11	of	of	ADP
ejif-6714	149	12	this	this	DET
ejif-6714	149	13	study	study	NOUN
ejif-6714	149	14	,	,	PUNCT
ejif-6714	149	15	a	a	DET
ejif-6714	149	16	test	test	NOUN
ejif-6714	149	17	was	be	AUX
ejif-6714	149	18	carried	carry	VERB
ejif-6714	149	19	out	out	ADP
ejif-6714	149	20	,	,	PUNCT
ejif-6714	149	21	which	which	PRON
ejif-6714	149	22	included	include	VERB
ejif-6714	149	23	analysis	analysis	NOUN
ejif-6714	149	24	of	of	ADP
ejif-6714	149	25	the	the	DET
ejif-6714	149	26	coefficient	coefficient	NOUN
ejif-6714	149	27	of	of	ADP
ejif-6714	149	28	determination	determination	NOUN
ejif-6714	149	29	,	,	PUNCT
ejif-6714	149	30	simultaneous	simultaneous	ADJ
ejif-6714	149	31	effect	effect	NOUN
ejif-6714	149	32	testing	testing	NOUN
ejif-6714	149	33	(	(	PUNCT
ejif-6714	149	34	f	f	PROPN
ejif-6714	149	35	test	test	NOUN
ejif-6714	149	36	)	)	PUNCT
ejif-6714	149	37	,	,	PUNCT
ejif-6714	149	38	and	and	CCONJ
ejif-6714	149	39	partial	partial	ADJ
ejif-6714	149	40	effect	effect	NOUN
ejif-6714	149	41	testing	testing	NOUN
ejif-6714	149	42	(	(	PUNCT
ejif-6714	149	43	t	t	NOUN
ejif-6714	149	44	-	-	PUNCT
ejif-6714	149	45	test	test	NOUN
ejif-6714	149	46	)	)	PUNCT
ejif-6714	149	47	.	.	PUNCT
ejif-6714	150	1	the	the	DET
ejif-6714	150	2	results	result	NOUN
ejif-6714	150	3	of	of	ADP
ejif-6714	150	4	the	the	DET
ejif-6714	150	5	statistical	statistical	ADJ
ejif-6714	150	6	values	value	NOUN
ejif-6714	150	7	of	of	ADP
ejif-6714	150	8	the	the	DET
ejif-6714	150	9	coefficient	coefficient	NOUN
ejif-6714	150	10	of	of	ADP
ejif-6714	150	11	determination	determination	NOUN
ejif-6714	150	12	,	,	PUNCT
ejif-6714	150	13	f	f	PROPN
ejif-6714	150	14	test	test	NOUN
ejif-6714	150	15	,	,	PUNCT
ejif-6714	150	16	and	and	CCONJ
ejif-6714	150	17	t	t	X
ejif-6714	150	18	-	-	PUNCT
ejif-6714	150	19	test	test	NOUN
ejif-6714	150	20	are	be	AUX
ejif-6714	150	21	presented	present	VERB
ejif-6714	150	22	in	in	ADP
ejif-6714	150	23	table	table	NOUN
ejif-6714	150	24	6	6	NUM
ejif-6714	150	25	below	below	ADV
ejif-6714	150	26	:	:	PUNCT
ejif-6714	150	27	coefficient	coefficient	NOUN
ejif-6714	150	28	uncentered	uncentered	ADJ
ejif-6714	150	29	centered	center	VERB
ejif-6714	150	30	variable	variable	ADJ
ejif-6714	150	31	variance	variance	NOUN
ejif-6714	150	32	vif	vif	PROPN
ejif-6714	150	33	vif	vif	PROPN
ejif-6714	150	34	c	c	PROPN
ejif-6714	150	35	0.699219	0.699219	NUM
ejif-6714	150	36	36.91701	36.91701	NUM
ejif-6714	150	37	na	na	ADP
ejif-6714	150	38	fdr	fdr	PROPN
ejif-6714	150	39	0.809947	0.809947	NUM
ejif-6714	150	40	1.661248	1.661248	NUM
ejif-6714	150	41	1.494840	1.494840	NUM
ejif-6714	150	42	msf	msf	NOUN
ejif-6714	150	43	0.009531	0.009531	NUM
ejif-6714	150	44	17.63686	17.63686	NUM
ejif-6714	150	45	1.936858	1.936858	NUM
ejif-6714	150	46	pcr	pcr	NOUN
ejif-6714	150	47	0.000763	0.000763	NOUN
ejif-6714	150	48	2.718408	2.718408	NUM
ejif-6714	150	49	1.129617	1.129617	NUM
ejif-6714	150	50	npf	npf	PROPN
ejif-6714	150	51	2.77e-05	2.77e-05	NUM
ejif-6714	150	52	2.376449	2.376449	NUM
ejif-6714	150	53	1.128585	1.128585	NUM
ejif-6714	150	54	lcr	lcr	NOUN
ejif-6714	150	55	0.114247	0.114247	NUM
ejif-6714	150	56	9.392404	9.392404	NUM
ejif-6714	150	57	1.973143	1.973143	NUM
ejif-6714	150	58	european	european	PROPN
ejif-6714	150	59	journal	journal	PROPN
ejif-6714	150	60	of	of	ADP
ejif-6714	150	61	islamic	islamic	PROPN
ejif-6714	150	62	finance	finance	PROPN
ejif-6714	150	63	issn	issn	PROPN
ejif-6714	150	64	:	:	PUNCT
ejif-6714	150	65	2421	2421	NUM
ejif-6714	150	66	-	-	SYM
ejif-6714	150	67	2172	2172	NUM
ejif-6714	150	68	doi	doi	NOUN
ejif-6714	150	69	:	:	PUNCT
ejif-6714	150	70	10.13135/2421	10.13135/2421	NUM
ejif-6714	150	71	-	-	SYM
ejif-6714	150	72	2172/6714	2172/6714	NUM
ejif-6714	150	73	published	publish	VERB
ejif-6714	150	74	by	by	ADP
ejif-6714	150	75	the	the	DET
ejif-6714	150	76	university	university	PROPN
ejif-6714	150	77	of	of	ADP
ejif-6714	150	78	turin	turin	PROPN
ejif-6714	151	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	151	2	ejif	ejif	PROPN
ejif-6714	151	3	content	content	NOUN
ejif-6714	151	4	is	be	AUX
ejif-6714	151	5	licensed	license	VERB
ejif-6714	151	6	under	under	ADP
ejif-6714	151	7	a	a	DET
ejif-6714	151	8	creative	creative	ADJ
ejif-6714	151	9	commons	common	NOUN
ejif-6714	151	10	attribution	attribution	NOUN
ejif-6714	151	11	4.0	4.0	NUM
ejif-6714	151	12	international	international	ADJ
ejif-6714	151	13	license	license	NOUN
ejif-6714	151	14	received	receive	VERB
ejif-6714	151	15	:	:	PUNCT
ejif-6714	151	16	25/04/2022	25/04/2022	NUM
ejif-6714	151	17	accepted	accept	VERB
ejif-6714	151	18	for	for	ADP
ejif-6714	151	19	publication	publication	NOUN
ejif-6714	151	20	:	:	PUNCT
ejif-6714	151	21	19/11/2022	19/11/2022	NUM
ejif-6714	151	22	published	publish	VERB
ejif-6714	151	23	:	:	PUNCT
ejif-6714	151	24	29/12/2022	29/12/2022	NUM
ejif-6714	151	25	43	43	NUM
ejif-6714	151	26	table	table	NOUN
ejif-6714	151	27	6	6	NUM
ejif-6714	151	28	.	.	PUNCT
ejif-6714	151	29	hypothesis	hypothesis	NOUN
ejif-6714	151	30	test	test	NOUN
ejif-6714	151	31	variable	variable	ADJ
ejif-6714	151	32	coefficient	coefficient	NOUN
ejif-6714	151	33	std	std	PROPN
ejif-6714	151	34	.	.	NOUN
ejif-6714	151	35	error	error	NOUN
ejif-6714	151	36	t	t	NOUN
ejif-6714	151	37	-	-	PUNCT
ejif-6714	151	38	statistic	statistic	NOUN
ejif-6714	151	39	prob	prob	NOUN
ejif-6714	151	40	.	.	PUNCT
ejif-6714	152	1	c	c	NOUN
ejif-6714	152	2	0.302120	0.302120	NUM
ejif-6714	152	3	0.836193	0.836193	NUM
ejif-6714	152	4	0.361304	0.361304	NUM
ejif-6714	152	5	0.7200	0.7200	NUM
ejif-6714	152	6	fdr	fdr	PROPN
ejif-6714	152	7	1.848839	1.848839	NUM
ejif-6714	152	8	0.899970	0.899970	NUM
ejif-6714	152	9	2.054333	2.054333	NUM
ejif-6714	152	10	0.0473	0.0473	NUM
ejif-6714	152	11	msf	msf	NOUN
ejif-6714	152	12	0.411366	0.411366	NUM
ejif-6714	152	13	0.097626	0.097626	NUM
ejif-6714	152	14	4.213707	4.213707	NUM
ejif-6714	152	15	0.0002	0.0002	NUM
ejif-6714	152	16	pcr	pcr	NOUN
ejif-6714	152	17	0.076515	0.076515	NUM
ejif-6714	152	18	0.027620	0.027620	NUM
ejif-6714	152	19	2.770304	2.770304	NUM
ejif-6714	152	20	0.0088	0.0088	NUM
ejif-6714	152	21	npf	npf	PROPN
ejif-6714	152	22	-0.013210	-0.013210	NOUN
ejif-6714	152	23	0.005259	0.005259	NUM
ejif-6714	152	24	-2.511705	-2.511705	NOUN
ejif-6714	152	25	0.0166	0.0166	NUM
ejif-6714	152	26	lcr	lcr	NOUN
ejif-6714	152	27	0.687303	0.687303	NUM
ejif-6714	152	28	0.338005	0.338005	NUM
ejif-6714	152	29	2.033410	2.033410	NUM
ejif-6714	152	30	0.0494	0.0494	NUM
ejif-6714	152	31	r	r	NOUN
ejif-6714	152	32	-	-	PUNCT
ejif-6714	152	33	squared	square	VERB
ejif-6714	152	34	0.551783	0.551783	NUM
ejif-6714	152	35	mean	mean	NOUN
ejif-6714	152	36	dependent	dependent	ADJ
ejif-6714	152	37	var	var	NOUN
ejif-6714	152	38	3.571905	3.571905	NUM
ejif-6714	152	39	adjusted	adjust	VERB
ejif-6714	152	40	r	r	NOUN
ejif-6714	152	41	-	-	PUNCT
ejif-6714	152	42	squared	square	VERB
ejif-6714	152	43	0.489530	0.489530	NUM
ejif-6714	152	44	s.d	s.d	PROPN
ejif-6714	152	45	.	.	PUNCT
ejif-6714	152	46	dependent	dependent	ADJ
ejif-6714	152	47	var	var	NOUN
ejif-6714	152	48	1.248340	1.248340	NUM
ejif-6714	152	49	s.e	s.e	PROPN
ejif-6714	152	50	.	.	PROPN
ejif-6714	152	51	of	of	ADP
ejif-6714	152	52	regression	regression	NOUN
ejif-6714	152	53	0.891903	0.891903	NUM
ejif-6714	152	54	akaike	akaike	ADJ
ejif-6714	152	55	info	info	NOUN
ejif-6714	152	56	criterion	criterion	NOUN
ejif-6714	152	57	2.740646	2.740646	NUM
ejif-6714	152	58	sum	sum	NOUN
ejif-6714	152	59	squared	square	VERB
ejif-6714	152	60	resid	resid	NOUN
ejif-6714	152	61	28.63770	28.63770	NUM
ejif-6714	152	62	schwarz	schwarz	NOUN
ejif-6714	152	63	criterion	criterion	NOUN
ejif-6714	152	64	2.988884	2.988884	NUM
ejif-6714	152	65	log	log	NOUN
ejif-6714	152	66	-	-	PUNCT
ejif-6714	152	67	likelihood	likelihood	NOUN
ejif-6714	152	68	-51.55356	-51.55356	PUNCT
ejif-6714	152	69	hannan	hannan	PROPN
ejif-6714	152	70	-	-	PUNCT
ejif-6714	152	71	quinn	quinn	PROPN
ejif-6714	152	72	criter	criter	NOUN
ejif-6714	152	73	.	.	PUNCT
ejif-6714	153	1	2.831635	2.831635	NUM
ejif-6714	153	2	f	f	X
ejif-6714	153	3	-	-	PUNCT
ejif-6714	153	4	statistic	statistic	VERB
ejif-6714	153	5	8.863635	8.863635	NUM
ejif-6714	153	6	durbin	durbin	ADJ
ejif-6714	153	7	-	-	PUNCT
ejif-6714	153	8	watson	watson	NOUN
ejif-6714	153	9	stat	stat	PROPN
ejif-6714	153	10	1.680047	1.680047	NUM
ejif-6714	153	11	prob(f	prob(f	NOUN
ejif-6714	153	12	-	-	PUNCT
ejif-6714	153	13	statistic	statistic	NOUN
ejif-6714	153	14	)	)	PUNCT
ejif-6714	153	15	0.000015	0.000015	NUM
ejif-6714	153	16	source	source	NOUN
ejif-6714	153	17	:	:	PUNCT
ejif-6714	153	18	results	result	NOUN
ejif-6714	153	19	of	of	ADP
ejif-6714	153	20	the	the	DET
ejif-6714	153	21	eviews	eviews	PROPN
ejif-6714	153	22	9	9	NUM
ejif-6714	153	23	software	software	NOUN
ejif-6714	153	24	based	base	VERB
ejif-6714	153	25	on	on	ADP
ejif-6714	153	26	table	table	NOUN
ejif-6714	153	27	6	6	NUM
ejif-6714	153	28	above	above	ADV
ejif-6714	153	29	,	,	PUNCT
ejif-6714	153	30	it	it	PRON
ejif-6714	153	31	is	be	AUX
ejif-6714	153	32	known	know	VERB
ejif-6714	153	33	the	the	DET
ejif-6714	153	34	value	value	NOUN
ejif-6714	153	35	of	of	ADP
ejif-6714	153	36	prob	prob	PROPN
ejif-6714	153	37	.	.	PUNCT
ejif-6714	154	1	(	(	PUNCT
ejif-6714	154	2	fstatistics	fstatistic	NOUN
ejif-6714	154	3	)	)	PUNCT
ejif-6714	154	4	,	,	PUNCT
ejif-6714	154	5	which	which	PRON
ejif-6714	154	6	is	be	AUX
ejif-6714	154	7	0.000	0.000	NUM
ejif-6714	154	8	<	<	X
ejif-6714	154	9	0.05	0.05	NUM
ejif-6714	154	10	,	,	PUNCT
ejif-6714	154	11	it	it	PRON
ejif-6714	154	12	can	can	AUX
ejif-6714	154	13	be	be	AUX
ejif-6714	154	14	concluded	conclude	VERB
ejif-6714	154	15	that	that	SCONJ
ejif-6714	154	16	all	all	DET
ejif-6714	154	17	independent	independent	ADJ
ejif-6714	154	18	variables	variable	NOUN
ejif-6714	154	19	,	,	PUNCT
ejif-6714	154	20	namely	namely	ADV
ejif-6714	154	21	fdr	fdr	PROPN
ejif-6714	154	22	,	,	PUNCT
ejif-6714	154	23	msf	msf	NOUN
ejif-6714	154	24	,	,	PUNCT
ejif-6714	154	25	pcr	pcr	PROPN
ejif-6714	154	26	,	,	PUNCT
ejif-6714	154	27	npf	npf	NOUN
ejif-6714	154	28	,	,	PUNCT
ejif-6714	154	29	and	and	CCONJ
ejif-6714	154	30	lcr	lcr	NOUN
ejif-6714	154	31	,	,	PUNCT
ejif-6714	154	32	simultaneously	simultaneously	ADV
ejif-6714	154	33	significantly	significantly	ADV
ejif-6714	154	34	affect	affect	VERB
ejif-6714	154	35	the	the	DET
ejif-6714	154	36	roa	roa	PROPN
ejif-6714	154	37	variable	variable	NOUN
ejif-6714	154	38	.	.	PUNCT
ejif-6714	155	1	therefore	therefore	ADV
ejif-6714	155	2	,	,	PUNCT
ejif-6714	155	3	all	all	DET
ejif-6714	155	4	independent	independent	ADJ
ejif-6714	155	5	variables	variable	NOUN
ejif-6714	155	6	used	use	VERB
ejif-6714	155	7	to	to	PART
ejif-6714	155	8	determine	determine	VERB
ejif-6714	155	9	their	their	PRON
ejif-6714	155	10	effect	effect	NOUN
ejif-6714	155	11	on	on	ADP
ejif-6714	155	12	roa	roa	PROPN
ejif-6714	155	13	,	,	PUNCT
ejif-6714	155	14	including	include	VERB
ejif-6714	155	15	fdr	fdr	PROPN
ejif-6714	155	16	,	,	PUNCT
ejif-6714	155	17	msf	msf	PROPN
ejif-6714	155	18	,	,	PUNCT
ejif-6714	155	19	ocr	ocr	PROPN
ejif-6714	155	20	,	,	PUNCT
ejif-6714	155	21	npf	npf	NOUN
ejif-6714	155	22	,	,	PUNCT
ejif-6714	155	23	and	and	CCONJ
ejif-6714	155	24	lcr	lcr	NOUN
ejif-6714	155	25	,	,	PUNCT
ejif-6714	155	26	can	can	AUX
ejif-6714	155	27	be	be	AUX
ejif-6714	155	28	used	use	VERB
ejif-6714	155	29	as	as	ADP
ejif-6714	155	30	determinants	determinant	NOUN
ejif-6714	155	31	for	for	ADP
ejif-6714	155	32	practitioners	practitioner	NOUN
ejif-6714	155	33	in	in	ADP
ejif-6714	155	34	managing	manage	VERB
ejif-6714	155	35	and	and	CCONJ
ejif-6714	155	36	improving	improve	VERB
ejif-6714	155	37	the	the	DET
ejif-6714	155	38	performance	performance	NOUN
ejif-6714	155	39	(	(	PUNCT
ejif-6714	155	40	roa	roa	NOUN
ejif-6714	155	41	)	)	PUNCT
ejif-6714	155	42	of	of	ADP
ejif-6714	155	43	islamic	islamic	ADJ
ejif-6714	155	44	banks	bank	NOUN
ejif-6714	155	45	.	.	PUNCT
ejif-6714	156	1	nevertheless	nevertheless	ADV
ejif-6714	156	2	,	,	PUNCT
ejif-6714	156	3	based	base	VERB
ejif-6714	156	4	on	on	ADP
ejif-6714	156	5	table	table	NOUN
ejif-6714	156	6	6	6	NUM
ejif-6714	156	7	above	above	ADV
ejif-6714	156	8	,	,	PUNCT
ejif-6714	156	9	the	the	DET
ejif-6714	156	10	following	follow	VERB
ejif-6714	156	11	multiple	multiple	ADJ
ejif-6714	156	12	linear	linear	ADJ
ejif-6714	156	13	regression	regression	NOUN
ejif-6714	156	14	equation	equation	NOUN
ejif-6714	156	15	is	be	AUX
ejif-6714	156	16	obtained	obtain	VERB
ejif-6714	156	17	:	:	PUNCT
ejif-6714	156	18	(	(	PUNCT
ejif-6714	156	19	2	2	X
ejif-6714	156	20	)	)	PUNCT
ejif-6714	156	21	furthermore	furthermore	ADV
ejif-6714	156	22	,	,	PUNCT
ejif-6714	156	23	according	accord	VERB
ejif-6714	156	24	to	to	ADP
ejif-6714	156	25	equation	equation	NOUN
ejif-6714	156	26	2	2	NUM
ejif-6714	156	27	and	and	CCONJ
ejif-6714	156	28	table	table	NOUN
ejif-6714	156	29	6	6	NUM
ejif-6714	156	30	then	then	ADV
ejif-6714	156	31	can	can	AUX
ejif-6714	156	32	be	be	AUX
ejif-6714	156	33	analyzed	analyze	VERB
ejif-6714	156	34	the	the	DET
ejif-6714	156	35	factors	factor	NOUN
ejif-6714	156	36	that	that	PRON
ejif-6714	156	37	affect	affect	VERB
ejif-6714	156	38	roa	roa	PROPN
ejif-6714	156	39	are	be	AUX
ejif-6714	156	40	as	as	SCONJ
ejif-6714	156	41	follows	follow	VERB
ejif-6714	156	42	:	:	PUNCT
ejif-6714	156	43	§	§	PROPN
ejif-6714	156	44	it	it	PRON
ejif-6714	156	45	is	be	AUX
ejif-6714	156	46	known	know	VERB
ejif-6714	156	47	that	that	SCONJ
ejif-6714	156	48	the	the	DET
ejif-6714	156	49	regression	regression	NOUN
ejif-6714	156	50	coefficient	coefficient	NOUN
ejif-6714	156	51	value	value	NOUN
ejif-6714	156	52	of	of	ADP
ejif-6714	156	53	fdr	fdr	PROPN
ejif-6714	156	54	is	be	AUX
ejif-6714	156	55	1.848	1.848	NUM
ejif-6714	156	56	with	with	ADP
ejif-6714	156	57	a	a	DET
ejif-6714	156	58	prob	prob	ADJ
ejif-6714	156	59	value	value	NOUN
ejif-6714	156	60	of	of	ADP
ejif-6714	156	61	0.047	0.047	NUM
ejif-6714	156	62	,	,	PUNCT
ejif-6714	156	63	which	which	PRON
ejif-6714	156	64	is	be	AUX
ejif-6714	156	65	<	<	X
ejif-6714	156	66	0.05	0.05	NUM
ejif-6714	156	67	significance	significance	NOUN
ejif-6714	156	68	level	level	NOUN
ejif-6714	156	69	,	,	PUNCT
ejif-6714	156	70	then	then	ADV
ejif-6714	156	71	fdr	fdr	PROPN
ejif-6714	156	72	has	have	VERB
ejif-6714	156	73	a	a	DET
ejif-6714	156	74	positive	positive	ADJ
ejif-6714	156	75	and	and	CCONJ
ejif-6714	156	76	significant	significant	ADJ
ejif-6714	156	77	effect	effect	NOUN
ejif-6714	156	78	on	on	ADP
ejif-6714	156	79	roa	roa	PROPN
ejif-6714	156	80	;	;	PUNCT
ejif-6714	156	81	§	§	PROPN
ejif-6714	156	82	it	it	PRON
ejif-6714	156	83	is	be	AUX
ejif-6714	156	84	known	know	VERB
ejif-6714	156	85	that	that	SCONJ
ejif-6714	156	86	the	the	DET
ejif-6714	156	87	regression	regression	NOUN
ejif-6714	156	88	coefficient	coefficient	NOUN
ejif-6714	156	89	value	value	NOUN
ejif-6714	156	90	of	of	ADP
ejif-6714	156	91	msf	msf	NOUN
ejif-6714	156	92	is	be	AUX
ejif-6714	156	93	0.411	0.411	NUM
ejif-6714	156	94	with	with	ADP
ejif-6714	156	95	a	a	DET
ejif-6714	156	96	prob	prob	ADJ
ejif-6714	156	97	value	value	NOUN
ejif-6714	156	98	of	of	ADP
ejif-6714	156	99	0.000	0.000	NUM
ejif-6714	156	100	,	,	PUNCT
ejif-6714	156	101	which	which	PRON
ejif-6714	156	102	is	be	AUX
ejif-6714	156	103	<	<	X
ejif-6714	156	104	the	the	DET
ejif-6714	156	105	significance	significance	NOUN
ejif-6714	156	106	level	level	NOUN
ejif-6714	156	107	of	of	ADP
ejif-6714	156	108	0.05	0.05	NUM
ejif-6714	156	109	,	,	PUNCT
ejif-6714	156	110	then	then	ADV
ejif-6714	156	111	msf	msf	NOUN
ejif-6714	156	112	has	have	VERB
ejif-6714	156	113	a	a	DET
ejif-6714	156	114	positive	positive	ADJ
ejif-6714	156	115	and	and	CCONJ
ejif-6714	156	116	significant	significant	ADJ
ejif-6714	156	117	effect	effect	NOUN
ejif-6714	156	118	on	on	ADP
ejif-6714	156	119	roa	roa	PROPN
ejif-6714	156	120	;	;	PUNCT
ejif-6714	156	121	§	§	PROPN
ejif-6714	156	122	it	it	PRON
ejif-6714	156	123	is	be	AUX
ejif-6714	156	124	known	know	VERB
ejif-6714	156	125	that	that	SCONJ
ejif-6714	156	126	the	the	DET
ejif-6714	156	127	regression	regression	NOUN
ejif-6714	156	128	coefficient	coefficient	NOUN
ejif-6714	156	129	value	value	NOUN
ejif-6714	156	130	of	of	ADP
ejif-6714	156	131	pcr	pcr	NOUN
ejif-6714	156	132	is	be	AUX
ejif-6714	156	133	0.076	0.076	NUM
ejif-6714	156	134	with	with	ADP
ejif-6714	156	135	a	a	DET
ejif-6714	156	136	prob	prob	ADJ
ejif-6714	156	137	value	value	NOUN
ejif-6714	156	138	of	of	ADP
ejif-6714	156	139	0.008	0.008	NUM
ejif-6714	156	140	,	,	PUNCT
ejif-6714	156	141	which	which	PRON
ejif-6714	156	142	is	be	AUX
ejif-6714	156	143	<	<	X
ejif-6714	156	144	0.05	0.05	NUM
ejif-6714	156	145	significance	significance	NOUN
ejif-6714	156	146	level	level	NOUN
ejif-6714	156	147	,	,	PUNCT
ejif-6714	156	148	then	then	ADV
ejif-6714	156	149	pcr	pcr	PROPN
ejif-6714	156	150	has	have	VERB
ejif-6714	156	151	a	a	DET
ejif-6714	156	152	positive	positive	ADJ
ejif-6714	156	153	and	and	CCONJ
ejif-6714	156	154	significant	significant	ADJ
ejif-6714	156	155	effect	effect	NOUN
ejif-6714	156	156	on	on	ADP
ejif-6714	156	157	roa	roa	PROPN
ejif-6714	156	158	;	;	PUNCT
ejif-6714	156	159	§	§	PROPN
ejif-6714	156	160	it	it	PRON
ejif-6714	156	161	is	be	AUX
ejif-6714	156	162	known	know	VERB
ejif-6714	156	163	that	that	SCONJ
ejif-6714	156	164	the	the	DET
ejif-6714	156	165	regression	regression	NOUN
ejif-6714	156	166	coefficient	coefficient	NOUN
ejif-6714	156	167	value	value	NOUN
ejif-6714	156	168	of	of	ADP
ejif-6714	156	169	the	the	DET
ejif-6714	156	170	npf	npf	NOUN
ejif-6714	156	171	is	be	AUX
ejif-6714	156	172	-0.013	-0.013	PUNCT
ejif-6714	156	173	with	with	ADP
ejif-6714	156	174	the	the	DET
ejif-6714	156	175	prob	prob	ADJ
ejif-6714	156	176	value	value	NOUN
ejif-6714	156	177	of	of	ADP
ejif-6714	156	178	0.016	0.016	NUM
ejif-6714	156	179	,	,	PUNCT
ejif-6714	156	180	which	which	PRON
ejif-6714	156	181	is	be	AUX
ejif-6714	156	182	<	<	X
ejif-6714	156	183	the	the	DET
ejif-6714	156	184	significance	significance	NOUN
ejif-6714	156	185	level	level	NOUN
ejif-6714	156	186	of	of	ADP
ejif-6714	156	187	0.05	0.05	NUM
ejif-6714	156	188	,	,	PUNCT
ejif-6714	156	189	then	then	ADV
ejif-6714	156	190	the	the	DET
ejif-6714	156	191	npf	npf	NOUN
ejif-6714	156	192	has	have	VERB
ejif-6714	156	193	a	a	DET
ejif-6714	156	194	negative	negative	ADJ
ejif-6714	156	195	and	and	CCONJ
ejif-6714	156	196	significant	significant	ADJ
ejif-6714	156	197	effect	effect	NOUN
ejif-6714	156	198	on	on	ADP
ejif-6714	156	199	roa	roa	PROPN
ejif-6714	156	200	;	;	PUNCT
ejif-6714	156	201	§	§	PROPN
ejif-6714	156	202	it	it	PRON
ejif-6714	156	203	is	be	AUX
ejif-6714	156	204	known	know	VERB
ejif-6714	156	205	that	that	SCONJ
ejif-6714	156	206	the	the	DET
ejif-6714	156	207	regression	regression	NOUN
ejif-6714	156	208	coefficient	coefficient	NOUN
ejif-6714	156	209	value	value	NOUN
ejif-6714	156	210	of	of	ADP
ejif-6714	156	211	lcr	lcr	NOUN
ejif-6714	156	212	is	be	AUX
ejif-6714	156	213	0.687	0.687	NUM
ejif-6714	156	214	with	with	ADP
ejif-6714	156	215	a	a	DET
ejif-6714	156	216	prob	prob	ADJ
ejif-6714	156	217	value	value	NOUN
ejif-6714	156	218	of	of	ADP
ejif-6714	156	219	0.049	0.049	NUM
ejif-6714	156	220	,	,	PUNCT
ejif-6714	156	221	which	which	PRON
ejif-6714	156	222	is	be	AUX
ejif-6714	156	223	<	<	X
ejif-6714	156	224	0.05	0.05	NUM
ejif-6714	156	225	significance	significance	NOUN
ejif-6714	156	226	level	level	NOUN
ejif-6714	156	227	,	,	PUNCT
ejif-6714	156	228	then	then	ADV
ejif-6714	156	229	lcr	lcr	PROPN
ejif-6714	156	230	has	have	VERB
ejif-6714	156	231	a	a	DET
ejif-6714	156	232	positive	positive	ADJ
ejif-6714	156	233	and	and	CCONJ
ejif-6714	156	234	significant	significant	ADJ
ejif-6714	156	235	effect	effect	NOUN
ejif-6714	156	236	on	on	ADP
ejif-6714	156	237	roa	roa	PROPN
ejif-6714	156	238	.	.	PUNCT
ejif-6714	157	1	the	the	DET
ejif-6714	157	2	distribution	distribution	NOUN
ejif-6714	157	3	of	of	ADP
ejif-6714	157	4	financing	financing	NOUN
ejif-6714	157	5	in	in	ADP
ejif-6714	157	6	islamic	islamic	ADJ
ejif-6714	157	7	banks	bank	NOUN
ejif-6714	157	8	has	have	VERB
ejif-6714	157	9	a	a	DET
ejif-6714	157	10	crucial	crucial	ADJ
ejif-6714	157	11	role	role	NOUN
ejif-6714	157	12	in	in	ADP
ejif-6714	157	13	generating	generate	VERB
ejif-6714	157	14	income	income	NOUN
ejif-6714	157	15	.	.	PUNCT
ejif-6714	158	1	therefore	therefore	ADV
ejif-6714	158	2	,	,	PUNCT
ejif-6714	158	3	the	the	DET
ejif-6714	158	4	results	result	NOUN
ejif-6714	158	5	of	of	ADP
ejif-6714	158	6	this	this	DET
ejif-6714	158	7	study	study	NOUN
ejif-6714	158	8	state	state	NOUN
ejif-6714	158	9	that	that	SCONJ
ejif-6714	158	10	fdr	fdr	PROPN
ejif-6714	158	11	has	have	VERB
ejif-6714	158	12	a	a	DET
ejif-6714	158	13	positive	positive	ADJ
ejif-6714	158	14	and	and	CCONJ
ejif-6714	158	15	significant	significant	ADJ
ejif-6714	158	16	effect	effect	NOUN
ejif-6714	158	17	on	on	ADP
ejif-6714	158	18	roa	roa	PROPN
ejif-6714	158	19	.	.	PUNCT
ejif-6714	159	1	moreover	moreover	ADV
ejif-6714	159	2	,	,	PUNCT
ejif-6714	159	3	islamic	islamic	ADJ
ejif-6714	159	4	banks	bank	NOUN
ejif-6714	159	5	must	must	AUX
ejif-6714	159	6	compete	compete	VERB
ejif-6714	159	7	with	with	ADP
ejif-6714	159	8	conventional	conventional	ADJ
ejif-6714	159	9	banks	bank	NOUN
ejif-6714	159	10	in	in	ADP
ejif-6714	159	11	loan	loan	NOUN
ejif-6714	159	12	products	product	NOUN
ejif-6714	159	13	so	so	SCONJ
ejif-6714	159	14	that	that	SCONJ
ejif-6714	159	15	people	people	NOUN
ejif-6714	159	16	will	will	AUX
ejif-6714	159	17	be	be	AUX
ejif-6714	159	18	interested	interested	ADJ
ejif-6714	159	19	in	in	ADP
ejif-6714	159	20	using	use	VERB
ejif-6714	159	21	loan	loan	NOUN
ejif-6714	159	22	products	product	NOUN
ejif-6714	159	23	from	from	ADP
ejif-6714	159	24	islamic	islamic	ADJ
ejif-6714	159	25	banks	bank	NOUN
ejif-6714	160	1	[	[	X
ejif-6714	160	2	46	46	NUM
ejif-6714	160	3	]	]	PUNCT
ejif-6714	160	4	.	.	PUNCT
ejif-6714	161	1	furthermore	furthermore	ADV
ejif-6714	161	2	,	,	PUNCT
ejif-6714	161	3	according	accord	VERB
ejif-6714	161	4	to	to	ADP
ejif-6714	161	5	nugroho	nugroho	PROPN
ejif-6714	161	6	et	et	PROPN
ejif-6714	161	7	al	al	PROPN
ejif-6714	161	8	.	.	PROPN
ejif-6714	162	1	(	(	PUNCT
ejif-6714	162	2	2020	2020	NUM
ejif-6714	162	3	)	)	PUNCT
ejif-6714	163	1	[	[	X
ejif-6714	163	2	47	47	NUM
ejif-6714	163	3	]	]	PUNCT
ejif-6714	163	4	,	,	PUNCT
ejif-6714	163	5	the	the	DET
ejif-6714	163	6	community	community	NOUN
ejif-6714	163	7	's	's	PART
ejif-6714	163	8	considerations	consideration	NOUN
ejif-6714	163	9	in	in	ADP
ejif-6714	163	10	using	use	VERB
ejif-6714	163	11	sharia	sharia	PROPN
ejif-6714	163	12	products	product	NOUN
ejif-6714	163	13	are	be	AUX
ejif-6714	163	14	based	base	VERB
ejif-6714	163	15	not	not	PART
ejif-6714	163	16	only	only	ADV
ejif-6714	163	17	on	on	ADP
ejif-6714	163	18	obedience	obedience	NOUN
ejif-6714	163	19	to	to	ADP
ejif-6714	163	20	the	the	DET
ejif-6714	163	21	teachings	teaching	NOUN
ejif-6714	163	22	of	of	ADP
ejif-6714	163	23	islam	islam	PROPN
ejif-6714	163	24	but	but	CCONJ
ejif-6714	163	25	also	also	ADV
ejif-6714	163	26	on	on	ADP
ejif-6714	163	27	their	their	PRON
ejif-6714	163	28	function	function	NOUN
ejif-6714	163	29	,	,	PUNCT
ejif-6714	163	30	ease	ease	NOUN
ejif-6714	163	31	of	of	ADP
ejif-6714	163	32	access	access	NOUN
ejif-6714	163	33	,	,	PUNCT
ejif-6714	163	34	and	and	CCONJ
ejif-6714	163	35	usefulness	usefulness	NOUN
ejif-6714	163	36	.	.	PUNCT
ejif-6714	164	1	during	during	ADP
ejif-6714	164	2	the	the	DET
ejif-6714	164	3	industrial	industrial	ADJ
ejif-6714	164	4	revolution	revolution	NOUN
ejif-6714	164	5	4.0	4.0	NUM
ejif-6714	164	6	,	,	PUNCT
ejif-6714	164	7	the	the	DET
ejif-6714	164	8	vuca	vuca	ADJ
ejif-6714	164	9	era	era	NOUN
ejif-6714	164	10	(	(	PUNCT
ejif-6714	164	11	volatility	volatility	NOUN
ejif-6714	164	12	,	,	PUNCT
ejif-6714	164	13	uncertainty	uncertainty	NOUN
ejif-6714	164	14	,	,	PUNCT
ejif-6714	164	15	complexity	complexity	NOUN
ejif-6714	164	16	,	,	PUNCT
ejif-6714	164	17	and	and	CCONJ
ejif-6714	164	18	ambiguity	ambiguity	NOUN
ejif-6714	164	19	)	)	PUNCT
ejif-6714	164	20	,	,	PUNCT
ejif-6714	164	21	and	and	CCONJ
ejif-6714	164	22	the	the	DET
ejif-6714	164	23	current	current	ADJ
ejif-6714	164	24	covid-19	covid-19	PROPN
ejif-6714	164	25	pandemic	pandemic	NOUN
ejif-6714	164	26	,	,	PUNCT
ejif-6714	164	27	the	the	DET
ejif-6714	164	28	banking	banking	NOUN
ejif-6714	164	29	industry	industry	NOUN
ejif-6714	164	30	,	,	PUNCT
ejif-6714	164	31	including	include	VERB
ejif-6714	164	32	the	the	DET
ejif-6714	164	33	islamic	islamic	ADJ
ejif-6714	164	34	banking	banking	NOUN
ejif-6714	164	35	industry	industry	NOUN
ejif-6714	164	36	,	,	PUNCT
ejif-6714	164	37	has	have	AUX
ejif-6714	164	38	digitalized	digitalize	VERB
ejif-6714	164	39	products	product	NOUN
ejif-6714	164	40	so	so	SCONJ
ejif-6714	164	41	that	that	SCONJ
ejif-6714	164	42	people	people	NOUN
ejif-6714	164	43	can	can	AUX
ejif-6714	164	44	use	use	VERB
ejif-6714	164	45	banking	banking	NOUN
ejif-6714	164	46	services	service	NOUN
ejif-6714	164	47	with	with	ADP
ejif-6714	164	48	limited	limited	ADJ
ejif-6714	164	49	mobility	mobility	NOUN
ejif-6714	164	50	[	[	X
ejif-6714	164	51	48	48	NUM
ejif-6714	164	52	]	]	PUNCT
ejif-6714	164	53	.	.	PUNCT
ejif-6714	165	1	according	accord	VERB
ejif-6714	165	2	to	to	ADP
ejif-6714	165	3	the	the	DET
ejif-6714	165	4	results	result	NOUN
ejif-6714	165	5	of	of	ADP
ejif-6714	165	6	this	this	DET
ejif-6714	165	7	study	study	NOUN
ejif-6714	165	8	,	,	PUNCT
ejif-6714	165	9	islamic	islamic	ADJ
ejif-6714	165	10	banks	bank	NOUN
ejif-6714	165	11	that	that	PRON
ejif-6714	165	12	have	have	VERB
ejif-6714	165	13	an	an	DET
ejif-6714	165	14	identity	identity	NOUN
ejif-6714	165	15	as	as	SCONJ
ejif-6714	165	16	pro	pro	ADJ
ejif-6714	165	17	-	-	ADJ
ejif-6714	165	18	social	social	ADJ
ejif-6714	165	19	banks	bank	NOUN
ejif-6714	165	20	should	should	AUX
ejif-6714	165	21	have	have	VERB
ejif-6714	165	22	a	a	DET
ejif-6714	165	23	business	business	NOUN
ejif-6714	165	24	focus	focus	NOUN
ejif-6714	165	25	on	on	ADP
ejif-6714	165	26	micro	micro	ADJ
ejif-6714	165	27	and	and	CCONJ
ejif-6714	165	28	small	small	ADJ
ejif-6714	165	29	entrepreneurs	entrepreneur	NOUN
ejif-6714	165	30	because	because	SCONJ
ejif-6714	165	31	these	these	DET
ejif-6714	165	32	segments	segment	NOUN
ejif-6714	165	33	contribute	contribute	VERB
ejif-6714	165	34	to	to	ADP
ejif-6714	165	35	increasing	increase	VERB
ejif-6714	165	36	income	income	NOUN
ejif-6714	165	37	from	from	ADP
ejif-6714	165	38	islamic	islamic	ADJ
ejif-6714	165	39	banks	bank	NOUN
ejif-6714	165	40	.	.	PUNCT
ejif-6714	166	1	loans	loan	NOUN
ejif-6714	166	2	to	to	ADP
ejif-6714	166	3	the	the	DET
ejif-6714	166	4	micro	micro	ADJ
ejif-6714	166	5	and	and	CCONJ
ejif-6714	166	6	small	small	ADJ
ejif-6714	166	7	business	business	NOUN
ejif-6714	166	8	segment	segment	NOUN
ejif-6714	166	9	(	(	PUNCT
ejif-6714	166	10	msf	msf	NOUN
ejif-6714	166	11	)	)	PUNCT
ejif-6714	166	12	have	have	VERB
ejif-6714	166	13	a	a	DET
ejif-6714	166	14	positive	positive	ADJ
ejif-6714	166	15	and	and	CCONJ
ejif-6714	166	16	significant	significant	ADJ
ejif-6714	166	17	impact	impact	NOUN
ejif-6714	166	18	on	on	ADP
ejif-6714	166	19	roa	roa	PROPN
ejif-6714	166	20	,	,	PUNCT
ejif-6714	166	21	so	so	ADV
ejif-6714	166	22	the	the	PRON
ejif-6714	166	23	more	more	ADJ
ejif-6714	166	24	loans	loan	NOUN
ejif-6714	166	25	disbursed	disburse	VERB
ejif-6714	166	26	to	to	ADP
ejif-6714	166	27	this	this	DET
ejif-6714	166	28	segment	segment	NOUN
ejif-6714	166	29	,	,	PUNCT
ejif-6714	166	30	the	the	PRON
ejif-6714	166	31	greater	great	ADJ
ejif-6714	166	32	the	the	DET
ejif-6714	166	33	potential	potential	NOUN
ejif-6714	166	34	for	for	ADP
ejif-6714	166	35	profit	profit	NOUN
ejif-6714	166	36	for	for	ADP
ejif-6714	166	37	islamic	islamic	ADJ
ejif-6714	166	38	banks	bank	NOUN
ejif-6714	166	39	.	.	PUNCT
ejif-6714	167	1	according	accord	VERB
ejif-6714	167	2	to	to	ADP
ejif-6714	167	3	maad	maad	PROPN
ejif-6714	167	4	et	et	PROPN
ejif-6714	167	5	al	al	PROPN
ejif-6714	167	6	.	.	PROPN
ejif-6714	168	1	(	(	PUNCT
ejif-6714	168	2	2014	2014	NUM
ejif-6714	168	3	)	)	PUNCT
ejif-6714	169	1	[	[	X
ejif-6714	169	2	49	49	NUM
ejif-6714	169	3	]	]	PUNCT
ejif-6714	169	4	,	,	PUNCT
ejif-6714	169	5	micro	micro	ADJ
ejif-6714	169	6	and	and	CCONJ
ejif-6714	169	7	small	small	ADJ
ejif-6714	169	8	entrepreneurs	entrepreneur	NOUN
ejif-6714	169	9	have	have	VERB
ejif-6714	169	10	responsible	responsible	ADJ
ejif-6714	169	11	behavior	behavior	NOUN
ejif-6714	169	12	in	in	ADP
ejif-6714	169	13	paying	pay	VERB
ejif-6714	169	14	loan	loan	NOUN
ejif-6714	169	15	installments	installment	NOUN
ejif-6714	169	16	.	.	PUNCT
ejif-6714	170	1	many	many	ADJ
ejif-6714	170	2	micro	micro	ADJ
ejif-6714	170	3	and	and	CCONJ
ejif-6714	170	4	small	small	ADJ
ejif-6714	170	5	entrepreneurs	entrepreneur	NOUN
ejif-6714	170	6	want	want	VERB
ejif-6714	170	7	to	to	PART
ejif-6714	170	8	avoid	avoid	VERB
ejif-6714	170	9	borrowing	borrow	VERB
ejif-6714	170	10	from	from	ADP
ejif-6714	170	11	banks	bank	NOUN
ejif-6714	170	12	because	because	SCONJ
ejif-6714	170	13	they	they	PRON
ejif-6714	170	14	are	be	AUX
ejif-6714	170	15	afraid	afraid	ADJ
ejif-6714	170	16	they	they	PRON
ejif-6714	170	17	will	will	AUX
ejif-6714	170	18	not	not	PART
ejif-6714	170	19	pay	pay	VERB
ejif-6714	170	20	the	the	DET
ejif-6714	170	21	installments	installment	NOUN
ejif-6714	170	22	[	[	X
ejif-6714	170	23	50	50	NUM
ejif-6714	170	24	]	]	PUNCT
ejif-6714	170	25	.	.	PUNCT
ejif-6714	171	1	therefore	therefore	ADV
ejif-6714	171	2	,	,	PUNCT
ejif-6714	171	3	most	most	ADJ
ejif-6714	171	4	micro	micro	ADJ
ejif-6714	171	5	and	and	CCONJ
ejif-6714	171	6	small	small	ADJ
ejif-6714	171	7	entrepreneurs	entrepreneur	NOUN
ejif-6714	171	8	have	have	VERB
ejif-6714	171	9	good	good	ADJ
ejif-6714	171	10	and	and	CCONJ
ejif-6714	171	11	responsible	responsible	ADJ
ejif-6714	171	12	behavior	behavior	NOUN
ejif-6714	171	13	in	in	ADP
ejif-6714	171	14	terms	term	NOUN
ejif-6714	171	15	of	of	ADP
ejif-6714	171	16	character	character	NOUN
ejif-6714	171	17	.	.	PUNCT
ejif-6714	172	1	if	if	SCONJ
ejif-6714	172	2	micro	micro	ADJ
ejif-6714	172	3	and	and	CCONJ
ejif-6714	172	4	small	small	ADJ
ejif-6714	172	5	entrepreneurs	entrepreneur	NOUN
ejif-6714	172	6	do	do	AUX
ejif-6714	172	7	not	not	PART
ejif-6714	172	8	pay	pay	VERB
ejif-6714	172	9	their	their	PRON
ejif-6714	172	10	loan	loan	NOUN
ejif-6714	172	11	installments	installment	NOUN
ejif-6714	172	12	,	,	PUNCT
ejif-6714	172	13	this	this	PRON
ejif-6714	172	14	is	be	AUX
ejif-6714	172	15	caused	cause	VERB
ejif-6714	172	16	by	by	ADP
ejif-6714	172	17	problems	problem	NOUN
ejif-6714	172	18	their	their	PRON
ejif-6714	172	19	business	business	NOUN
ejif-6714	172	20	conditions	condition	NOUN
ejif-6714	172	21	face	face	VERB
ejif-6714	172	22	[	[	X
ejif-6714	172	23	51	51	NUM
ejif-6714	172	24	]	]	PUNCT
ejif-6714	172	25	.	.	PUNCT
ejif-6714	173	1	the	the	DET
ejif-6714	173	2	islamic	islamic	ADJ
ejif-6714	173	3	financial	financial	ADJ
ejif-6714	173	4	literacy	literacy	NOUN
ejif-6714	173	5	of	of	ADP
ejif-6714	173	6	the	the	DET
ejif-6714	173	7	indonesian	indonesian	ADJ
ejif-6714	173	8	people	people	NOUN
ejif-6714	173	9	still	still	ADV
ejif-6714	173	10	needs	need	VERB
ejif-6714	173	11	to	to	PART
ejif-6714	173	12	improve	improve	VERB
ejif-6714	173	13	.	.	PUNCT
ejif-6714	174	1	therefore	therefore	ADV
ejif-6714	174	2	,	,	PUNCT
ejif-6714	174	3	islamic	islamic	ADJ
ejif-6714	174	4	banks	bank	NOUN
ejif-6714	174	5	need	need	VERB
ejif-6714	174	6	to	to	PART
ejif-6714	174	7	promote	promote	VERB
ejif-6714	174	8	and	and	CCONJ
ejif-6714	174	9	disseminate	disseminate	VERB
ejif-6714	174	10	islamic	islamic	ADJ
ejif-6714	174	11	financial	financial	ADJ
ejif-6714	174	12	products	product	NOUN
ejif-6714	174	13	and	and	CCONJ
ejif-6714	174	14	services	service	NOUN
ejif-6714	174	15	to	to	ADP
ejif-6714	174	16	the	the	DET
ejif-6714	174	17	public	public	NOUN
ejif-6714	174	18	to	to	PART
ejif-6714	174	19	increase	increase	VERB
ejif-6714	174	20	information	information	NOUN
ejif-6714	174	21	on	on	ADP
ejif-6714	174	22	the	the	DET
ejif-6714	174	23	benefits	benefit	NOUN
ejif-6714	174	24	,	,	PUNCT
ejif-6714	174	25	uses	use	NOUN
ejif-6714	174	26	,	,	PUNCT
ejif-6714	174	27	and	and	CCONJ
ejif-6714	174	28	access	access	NOUN
ejif-6714	174	29	to	to	ADP
ejif-6714	174	30	these	these	DET
ejif-6714	174	31	products	product	NOUN
ejif-6714	174	32	and	and	CCONJ
ejif-6714	174	33	services	service	NOUN
ejif-6714	174	34	.	.	PUNCT
ejif-6714	175	1	this	this	PRON
ejif-6714	175	2	is	be	AUX
ejif-6714	175	3	evident	evident	ADJ
ejif-6714	175	4	from	from	ADP
ejif-6714	175	5	the	the	DET
ejif-6714	175	6	results	result	NOUN
ejif-6714	175	7	of	of	ADP
ejif-6714	175	8	this	this	DET
ejif-6714	175	9	study	study	NOUN
ejif-6714	175	10	,	,	PUNCT
ejif-6714	175	11	where	where	SCONJ
ejif-6714	175	12	the	the	DET
ejif-6714	175	13	ratio	ratio	NOUN
ejif-6714	175	14	of	of	ADP
ejif-6714	175	15	promotional	promotional	ADJ
ejif-6714	175	16	costs	cost	NOUN
ejif-6714	175	17	(	(	PUNCT
ejif-6714	175	18	pcr	pcr	NOUN
ejif-6714	175	19	)	)	PUNCT
ejif-6714	175	20	has	have	VERB
ejif-6714	175	21	a	a	DET
ejif-6714	175	22	positive	positive	ADJ
ejif-6714	175	23	and	and	CCONJ
ejif-6714	175	24	significant	significant	ADJ
ejif-6714	175	25	effect	effect	NOUN
ejif-6714	175	26	on	on	ADP
ejif-6714	175	27	the	the	DET
ejif-6714	175	28	performance	performance	NOUN
ejif-6714	175	29	of	of	ADP
ejif-6714	175	30	islamic	islamic	ADJ
ejif-6714	175	31	banks	bank	NOUN
ejif-6714	175	32	(	(	PUNCT
ejif-6714	175	33	roa	roa	PROPN
ejif-6714	175	34	)	)	PUNCT
ejif-6714	175	35	.	.	PUNCT
ejif-6714	176	1	furthermore	furthermore	ADV
ejif-6714	176	2	,	,	PUNCT
ejif-6714	176	3	islamic	islamic	ADJ
ejif-6714	176	4	banks	bank	NOUN
ejif-6714	176	5	must	must	AUX
ejif-6714	176	6	collaborate	collaborate	VERB
ejif-6714	176	7	with	with	ADP
ejif-6714	176	8	all	all	DET
ejif-6714	176	9	relevant	relevant	ADJ
ejif-6714	176	10	stakeholders	stakeholder	NOUN
ejif-6714	176	11	in	in	ADP
ejif-6714	176	12	carrying	carry	VERB
ejif-6714	176	13	out	out	ADP
ejif-6714	176	14	promotions	promotion	NOUN
ejif-6714	176	15	so	so	SCONJ
ejif-6714	176	16	that	that	SCONJ
ejif-6714	176	17	the	the	DET
ejif-6714	176	18	information	information	NOUN
ejif-6714	176	19	transfer	transfer	NOUN
ejif-6714	176	20	process	process	NOUN
ejif-6714	176	21	becomes	become	VERB
ejif-6714	176	22	more	more	ADV
ejif-6714	176	23	effective	effective	ADJ
ejif-6714	176	24	.	.	PUNCT
ejif-6714	177	1	collaboration	collaboration	NOUN
ejif-6714	177	2	between	between	ADP
ejif-6714	177	3	parties	party	NOUN
ejif-6714	177	4	such	such	ADJ
ejif-6714	177	5	as	as	ADP
ejif-6714	177	6	islamic	islamic	ADJ
ejif-6714	177	7	banks	bank	NOUN
ejif-6714	177	8	,	,	PUNCT
ejif-6714	177	9	universities	university	NOUN
ejif-6714	177	10	,	,	PUNCT
ejif-6714	177	11	government	government	NOUN
ejif-6714	177	12	,	,	PUNCT
ejif-6714	177	13	and	and	CCONJ
ejif-6714	177	14	social	social	ADJ
ejif-6714	177	15	institutions	institution	NOUN
ejif-6714	177	16	is	be	AUX
ejif-6714	177	17	vital	vital	ADJ
ejif-6714	177	18	.	.	PUNCT
ejif-6714	178	1	as	as	ADP
ejif-6714	178	2	a	a	DET
ejif-6714	178	3	result	result	NOUN
ejif-6714	178	4	,	,	PUNCT
ejif-6714	178	5	the	the	DET
ejif-6714	178	6	socialization	socialization	NOUN
ejif-6714	178	7	impact	impact	NOUN
ejif-6714	178	8	of	of	ADP
ejif-6714	178	9	islamic	islamic	ADJ
ejif-6714	178	10	financial	financial	ADJ
ejif-6714	178	11	products	product	NOUN
ejif-6714	178	12	and	and	CCONJ
ejif-6714	178	13	services	service	NOUN
ejif-6714	178	14	becomes	become	VERB
ejif-6714	178	15	more	more	ADV
ejif-6714	178	16	effective	effective	ADJ
ejif-6714	178	17	and	and	CCONJ
ejif-6714	178	18	significant	significant	ADJ
ejif-6714	178	19	.	.	PUNCT
ejif-6714	179	1	the	the	DET
ejif-6714	179	2	quality	quality	NOUN
ejif-6714	179	3	of	of	ADP
ejif-6714	179	4	financing	financing	NOUN
ejif-6714	179	5	for	for	ADP
ejif-6714	179	6	loans	loan	NOUN
ejif-6714	179	7	disbursed	disburse	VERB
ejif-6714	179	8	by	by	ADP
ejif-6714	179	9	islamic	islamic	ADJ
ejif-6714	179	10	banks	bank	NOUN
ejif-6714	179	11	is	be	AUX
ejif-6714	179	12	crucial	crucial	ADJ
ejif-6714	179	13	in	in	ADP
ejif-6714	179	14	achieving	achieve	VERB
ejif-6714	179	15	performance	performance	NOUN
ejif-6714	179	16	.	.	PUNCT
ejif-6714	180	1	it	it	PRON
ejif-6714	180	2	is	be	AUX
ejif-6714	180	3	known	know	VERB
ejif-6714	180	4	from	from	ADP
ejif-6714	180	5	the	the	DET
ejif-6714	180	6	results	result	NOUN
ejif-6714	180	7	of	of	ADP
ejif-6714	180	8	this	this	DET
ejif-6714	180	9	study	study	NOUN
ejif-6714	180	10	that	that	SCONJ
ejif-6714	180	11	the	the	DET
ejif-6714	180	12	quality	quality	NOUN
ejif-6714	180	13	of	of	ADP
ejif-6714	180	14	financing	financing	NOUN
ejif-6714	180	15	(	(	PUNCT
ejif-6714	180	16	npf	npf	NOUN
ejif-6714	180	17	)	)	PUNCT
ejif-6714	180	18	has	have	VERB
ejif-6714	180	19	a	a	DET
ejif-6714	180	20	negative	negative	ADJ
ejif-6714	180	21	effect	effect	NOUN
ejif-6714	180	22	on	on	ADP
ejif-6714	180	23	the	the	DET
ejif-6714	180	24	performance	performance	NOUN
ejif-6714	180	25	of	of	ADP
ejif-6714	180	26	islamic	islamic	ADJ
ejif-6714	180	27	banks	bank	NOUN
ejif-6714	180	28	(	(	PUNCT
ejif-6714	180	29	roa	roa	PROPN
ejif-6714	180	30	)	)	PUNCT
ejif-6714	180	31	.	.	PUNCT
ejif-6714	181	1	the	the	PRON
ejif-6714	181	2	higher	high	ADJ
ejif-6714	181	3	the	the	DET
ejif-6714	181	4	npf	npf	PROPN
ejif-6714	181	5	,	,	PUNCT
ejif-6714	181	6	the	the	DET
ejif-6714	181	7	potential	potential	NOUN
ejif-6714	181	8	to	to	PART
ejif-6714	181	9	reduce	reduce	VERB
ejif-6714	181	10	the	the	DET
ejif-6714	181	11	profit	profit	NOUN
ejif-6714	181	12	of	of	ADP
ejif-6714	181	13	islamic	islamic	ADJ
ejif-6714	181	14	banks	bank	NOUN
ejif-6714	181	15	[	[	X
ejif-6714	181	16	19	19	NUM
ejif-6714	181	17	]	]	PUNCT
ejif-6714	181	18	.	.	PUNCT
ejif-6714	182	1	therefore	therefore	ADV
ejif-6714	182	2	,	,	PUNCT
ejif-6714	182	3	the	the	DET
ejif-6714	182	4	distribution	distribution	NOUN
ejif-6714	182	5	of	of	ADP
ejif-6714	182	6	islamic	islamic	PROPN
ejif-6714	182	7	bank	bank	PROPN
ejif-6714	182	8	financing	financing	NOUN
ejif-6714	182	9	must	must	AUX
ejif-6714	182	10	apply	apply	VERB
ejif-6714	182	11	the	the	DET
ejif-6714	182	12	principles	principle	NOUN
ejif-6714	182	13	of	of	ADP
ejif-6714	182	14	three	three	NUM
ejif-6714	182	15	pillars	pillar	NOUN
ejif-6714	182	16	which	which	DET
ejif-6714	182	17	european	european	PROPN
ejif-6714	182	18	journal	journal	PROPN
ejif-6714	182	19	of	of	ADP
ejif-6714	182	20	islamic	islamic	PROPN
ejif-6714	182	21	finance	finance	PROPN
ejif-6714	182	22	issn	issn	PROPN
ejif-6714	182	23	:	:	PUNCT
ejif-6714	182	24	2421	2421	NUM
ejif-6714	182	25	-	-	SYM
ejif-6714	182	26	2172	2172	NUM
ejif-6714	182	27	doi	doi	NOUN
ejif-6714	182	28	:	:	PUNCT
ejif-6714	182	29	10.13135/2421	10.13135/2421	NUM
ejif-6714	182	30	-	-	SYM
ejif-6714	182	31	2172/6714	2172/6714	NUM
ejif-6714	182	32	published	publish	VERB
ejif-6714	182	33	by	by	ADP
ejif-6714	182	34	the	the	DET
ejif-6714	182	35	university	university	PROPN
ejif-6714	182	36	of	of	ADP
ejif-6714	182	37	turin	turin	PROPN
ejif-6714	183	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	183	2	ejif	ejif	PROPN
ejif-6714	183	3	content	content	NOUN
ejif-6714	183	4	is	be	AUX
ejif-6714	183	5	licensed	license	VERB
ejif-6714	183	6	under	under	ADP
ejif-6714	183	7	a	a	DET
ejif-6714	183	8	creative	creative	ADJ
ejif-6714	183	9	commons	common	NOUN
ejif-6714	183	10	attribution	attribution	NOUN
ejif-6714	183	11	4.0	4.0	NUM
ejif-6714	183	12	international	international	ADJ
ejif-6714	183	13	license	license	NOUN
ejif-6714	183	14	received	receive	VERB
ejif-6714	183	15	:	:	PUNCT
ejif-6714	183	16	25/04/2022	25/04/2022	NUM
ejif-6714	183	17	accepted	accept	VERB
ejif-6714	183	18	for	for	ADP
ejif-6714	183	19	publication	publication	NOUN
ejif-6714	183	20	:	:	PUNCT
ejif-6714	183	21	19/11/2022	19/11/2022	NUM
ejif-6714	183	22	published	publish	VERB
ejif-6714	183	23	:	:	PUNCT
ejif-6714	183	24	29/12/2022	29/12/2022	NUM
ejif-6714	183	25	44	44	NUM
ejif-6714	183	26	include	include	VERB
ejif-6714	183	27	:	:	PUNCT
ejif-6714	183	28	(	(	PUNCT
ejif-6714	183	29	i	i	NOUN
ejif-6714	183	30	)	)	PUNCT
ejif-6714	183	31	business	business	NOUN
ejif-6714	183	32	aspects	aspect	NOUN
ejif-6714	183	33	,	,	PUNCT
ejif-6714	183	34	(	(	PUNCT
ejif-6714	183	35	ii	ii	NOUN
ejif-6714	183	36	)	)	PUNCT
ejif-6714	183	37	risk	risk	NOUN
ejif-6714	183	38	aspects	aspect	NOUN
ejif-6714	183	39	,	,	PUNCT
ejif-6714	183	40	and	and	CCONJ
ejif-6714	183	41	(	(	PUNCT
ejif-6714	183	42	iii	iii	X
ejif-6714	183	43	)	)	PUNCT
ejif-6714	183	44	operational	operational	ADJ
ejif-6714	183	45	aspects	aspect	NOUN
ejif-6714	183	46	.	.	PUNCT
ejif-6714	184	1	furthermore	furthermore	ADV
ejif-6714	184	2	,	,	PUNCT
ejif-6714	184	3	the	the	DET
ejif-6714	184	4	business	business	NOUN
ejif-6714	184	5	aspect	aspect	NOUN
ejif-6714	184	6	is	be	AUX
ejif-6714	184	7	that	that	SCONJ
ejif-6714	184	8	the	the	DET
ejif-6714	184	9	financing	financing	NOUN
ejif-6714	184	10	distribution	distribution	NOUN
ejif-6714	184	11	must	must	AUX
ejif-6714	184	12	follow	follow	VERB
ejif-6714	184	13	the	the	DET
ejif-6714	184	14	company	company	NOUN
ejif-6714	184	15	's	's	PART
ejif-6714	184	16	business	business	NOUN
ejif-6714	184	17	focus	focus	NOUN
ejif-6714	184	18	and	and	CCONJ
ejif-6714	184	19	the	the	DET
ejif-6714	184	20	portfolio	portfolio	NOUN
ejif-6714	184	21	guidelines	guideline	NOUN
ejif-6714	184	22	owned	own	VERB
ejif-6714	184	23	by	by	ADP
ejif-6714	184	24	the	the	DET
ejif-6714	184	25	islamic	islamic	PROPN
ejif-6714	184	26	bank	bank	PROPN
ejif-6714	184	27	.	.	PUNCT
ejif-6714	185	1	the	the	DET
ejif-6714	185	2	risk	risk	NOUN
ejif-6714	185	3	aspect	aspect	NOUN
ejif-6714	185	4	is	be	AUX
ejif-6714	185	5	applying	apply	VERB
ejif-6714	185	6	risk	risk	NOUN
ejif-6714	185	7	acceptance	acceptance	NOUN
ejif-6714	185	8	criteria	criterion	NOUN
ejif-6714	185	9	following	follow	VERB
ejif-6714	185	10	the	the	DET
ejif-6714	185	11	segment	segment	NOUN
ejif-6714	185	12	of	of	ADP
ejif-6714	185	13	the	the	DET
ejif-6714	185	14	business	business	NOUN
ejif-6714	185	15	distribution	distribution	NOUN
ejif-6714	185	16	so	so	SCONJ
ejif-6714	185	17	that	that	SCONJ
ejif-6714	185	18	the	the	DET
ejif-6714	185	19	risk	risk	NOUN
ejif-6714	185	20	of	of	ADP
ejif-6714	185	21	bad	bad	ADJ
ejif-6714	185	22	debts	debt	NOUN
ejif-6714	185	23	can	can	AUX
ejif-6714	185	24	be	be	AUX
ejif-6714	185	25	mitigated	mitigate	VERB
ejif-6714	185	26	.	.	PUNCT
ejif-6714	186	1	in	in	ADP
ejif-6714	186	2	addition	addition	NOUN
ejif-6714	186	3	,	,	PUNCT
ejif-6714	186	4	operational	operational	ADJ
ejif-6714	186	5	aspects	aspect	NOUN
ejif-6714	186	6	also	also	ADV
ejif-6714	186	7	need	need	VERB
ejif-6714	186	8	to	to	PART
ejif-6714	186	9	be	be	AUX
ejif-6714	186	10	implemented	implement	VERB
ejif-6714	186	11	to	to	PART
ejif-6714	186	12	maintain	maintain	VERB
ejif-6714	186	13	good	good	ADJ
ejif-6714	186	14	corporate	corporate	ADJ
ejif-6714	186	15	governance	governance	NOUN
ejif-6714	186	16	in	in	ADP
ejif-6714	186	17	the	the	DET
ejif-6714	186	18	distribution	distribution	NOUN
ejif-6714	186	19	of	of	ADP
ejif-6714	186	20	financing	financing	NOUN
ejif-6714	186	21	so	so	SCONJ
ejif-6714	186	22	that	that	SCONJ
ejif-6714	186	23	there	there	PRON
ejif-6714	186	24	is	be	VERB
ejif-6714	186	25	no	no	DET
ejif-6714	186	26	abuse	abuse	NOUN
ejif-6714	186	27	of	of	ADP
ejif-6714	186	28	financing	financing	NOUN
ejif-6714	186	29	approval	approval	NOUN
ejif-6714	186	30	authority	authority	NOUN
ejif-6714	186	31	in	in	ADP
ejif-6714	186	32	implementing	implement	VERB
ejif-6714	186	33	the	the	DET
ejif-6714	186	34	four	four	NUM
ejif-6714	186	35	eyes	eye	NOUN
ejif-6714	186	36	principles	principle	NOUN
ejif-6714	186	37	[	[	X
ejif-6714	186	38	52	52	NUM
ejif-6714	186	39	]	]	PUNCT
ejif-6714	186	40	.	.	PUNCT
ejif-6714	187	1	employee	employee	NOUN
ejif-6714	187	2	productivity	productivity	NOUN
ejif-6714	187	3	as	as	ADP
ejif-6714	187	4	the	the	DET
ejif-6714	187	5	principal	principal	ADJ
ejif-6714	187	6	capital	capital	NOUN
ejif-6714	187	7	of	of	ADP
ejif-6714	187	8	islamic	islamic	ADJ
ejif-6714	187	9	banks	bank	NOUN
ejif-6714	187	10	to	to	PART
ejif-6714	187	11	achieve	achieve	VERB
ejif-6714	187	12	the	the	DET
ejif-6714	187	13	performance	performance	NOUN
ejif-6714	187	14	of	of	ADP
ejif-6714	187	15	islamic	islamic	ADJ
ejif-6714	187	16	banks	bank	NOUN
ejif-6714	187	17	is	be	AUX
ejif-6714	187	18	a	a	DET
ejif-6714	187	19	determining	determine	VERB
ejif-6714	187	20	factor	factor	NOUN
ejif-6714	187	21	.	.	PUNCT
ejif-6714	188	1	it	it	PRON
ejif-6714	188	2	is	be	AUX
ejif-6714	188	3	known	know	VERB
ejif-6714	188	4	from	from	ADP
ejif-6714	188	5	this	this	DET
ejif-6714	188	6	study	study	NOUN
ejif-6714	188	7	that	that	SCONJ
ejif-6714	188	8	lcr	lcr	NOUN
ejif-6714	188	9	has	have	VERB
ejif-6714	188	10	a	a	DET
ejif-6714	188	11	positive	positive	ADJ
ejif-6714	188	12	and	and	CCONJ
ejif-6714	188	13	significant	significant	ADJ
ejif-6714	188	14	effect	effect	NOUN
ejif-6714	188	15	on	on	ADP
ejif-6714	188	16	roa	roa	PROPN
ejif-6714	188	17	.	.	PUNCT
ejif-6714	189	1	thus	thus	ADV
ejif-6714	189	2	,	,	PUNCT
ejif-6714	189	3	islamic	islamic	ADJ
ejif-6714	189	4	banks	bank	NOUN
ejif-6714	189	5	'	'	PART
ejif-6714	189	6	employee	employee	NOUN
ejif-6714	189	7	productivity	productivity	NOUN
ejif-6714	189	8	,	,	PUNCT
ejif-6714	189	9	which	which	PRON
ejif-6714	189	10	includes	include	VERB
ejif-6714	189	11	professionalism	professionalism	NOUN
ejif-6714	189	12	,	,	PUNCT
ejif-6714	189	13	innovation	innovation	NOUN
ejif-6714	189	14	,	,	PUNCT
ejif-6714	189	15	and	and	CCONJ
ejif-6714	189	16	creativity	creativity	NOUN
ejif-6714	189	17	,	,	PUNCT
ejif-6714	189	18	becomes	become	VERB
ejif-6714	189	19	essential	essential	ADJ
ejif-6714	189	20	to	to	PART
ejif-6714	189	21	improve	improve	VERB
ejif-6714	189	22	their	their	PRON
ejif-6714	189	23	performance	performance	NOUN
ejif-6714	189	24	[	[	X
ejif-6714	189	25	53	53	NUM
ejif-6714	189	26	]	]	PUNCT
ejif-6714	189	27	,	,	PUNCT
ejif-6714	189	28	[	[	X
ejif-6714	189	29	54	54	NUM
ejif-6714	189	30	]	]	PUNCT
ejif-6714	189	31	.	.	PUNCT
ejif-6714	190	1	in	in	ADP
ejif-6714	190	2	addition	addition	NOUN
ejif-6714	190	3	,	,	PUNCT
ejif-6714	190	4	the	the	PRON
ejif-6714	190	5	higher	high	ADJ
ejif-6714	190	6	the	the	DET
ejif-6714	190	7	ability	ability	NOUN
ejif-6714	190	8	to	to	PART
ejif-6714	190	9	innovate	innovate	VERB
ejif-6714	190	10	and	and	CCONJ
ejif-6714	190	11	be	be	AUX
ejif-6714	190	12	creative	creative	ADJ
ejif-6714	190	13	of	of	ADP
ejif-6714	190	14	islamic	islamic	PROPN
ejif-6714	190	15	bank	bank	PROPN
ejif-6714	190	16	employees	employee	NOUN
ejif-6714	190	17	in	in	ADP
ejif-6714	190	18	making	make	VERB
ejif-6714	190	19	products	product	NOUN
ejif-6714	190	20	and	and	CCONJ
ejif-6714	190	21	services	service	NOUN
ejif-6714	190	22	that	that	PRON
ejif-6714	190	23	are	be	AUX
ejif-6714	190	24	to	to	ADP
ejif-6714	190	25	the	the	DET
ejif-6714	190	26	needs	need	NOUN
ejif-6714	190	27	and	and	CCONJ
ejif-6714	190	28	desires	desire	NOUN
ejif-6714	190	29	of	of	ADP
ejif-6714	190	30	the	the	DET
ejif-6714	190	31	community	community	NOUN
ejif-6714	190	32	,	,	PUNCT
ejif-6714	190	33	it	it	PRON
ejif-6714	190	34	will	will	AUX
ejif-6714	190	35	have	have	VERB
ejif-6714	190	36	an	an	DET
ejif-6714	190	37	impact	impact	NOUN
ejif-6714	190	38	on	on	ADP
ejif-6714	190	39	increasing	increase	VERB
ejif-6714	190	40	income	income	NOUN
ejif-6714	190	41	from	from	ADP
ejif-6714	190	42	islamic	islamic	ADJ
ejif-6714	190	43	banks	bank	NOUN
ejif-6714	190	44	because	because	SCONJ
ejif-6714	190	45	more	more	ADJ
ejif-6714	190	46	people	people	NOUN
ejif-6714	190	47	will	will	AUX
ejif-6714	190	48	use	use	VERB
ejif-6714	190	49	the	the	DET
ejif-6714	190	50	products	product	NOUN
ejif-6714	190	51	and	and	CCONJ
ejif-6714	190	52	services	service	NOUN
ejif-6714	190	53	of	of	ADP
ejif-6714	190	54	the	the	DET
ejif-6714	190	55	islamic	islamic	PROPN
ejif-6714	190	56	bank	bank	PROPN
ejif-6714	190	57	.	.	PUNCT
ejif-6714	191	1	however	however	ADV
ejif-6714	191	2	,	,	PUNCT
ejif-6714	191	3	based	base	VERB
ejif-6714	191	4	on	on	ADP
ejif-6714	191	5	the	the	DET
ejif-6714	191	6	phenomenon	phenomenon	NOUN
ejif-6714	191	7	of	of	ADP
ejif-6714	191	8	the	the	DET
ejif-6714	191	9	low	low	ADJ
ejif-6714	191	10	market	market	NOUN
ejif-6714	191	11	share	share	NOUN
ejif-6714	191	12	of	of	ADP
ejif-6714	191	13	islamic	islamic	ADJ
ejif-6714	191	14	banks	bank	NOUN
ejif-6714	191	15	and	and	CCONJ
ejif-6714	191	16	the	the	DET
ejif-6714	191	17	results	result	NOUN
ejif-6714	191	18	of	of	ADP
ejif-6714	191	19	this	this	DET
ejif-6714	191	20	study	study	NOUN
ejif-6714	191	21	,	,	PUNCT
ejif-6714	191	22	the	the	DET
ejif-6714	191	23	input	input	NOUN
ejif-6714	191	24	to	to	ADP
ejif-6714	191	25	the	the	DET
ejif-6714	191	26	regulator	regulator	NOUN
ejif-6714	191	27	is	be	AUX
ejif-6714	191	28	to	to	PART
ejif-6714	191	29	help	help	VERB
ejif-6714	191	30	islamic	islamic	ADJ
ejif-6714	191	31	banks	bank	NOUN
ejif-6714	191	32	carry	carry	VERB
ejif-6714	191	33	out	out	ADP
ejif-6714	191	34	socialization	socialization	NOUN
ejif-6714	191	35	and	and	CCONJ
ejif-6714	191	36	dissemination	dissemination	NOUN
ejif-6714	191	37	related	relate	VERB
ejif-6714	191	38	to	to	ADP
ejif-6714	191	39	products	product	NOUN
ejif-6714	191	40	from	from	ADP
ejif-6714	191	41	islamic	islamic	ADJ
ejif-6714	191	42	banks	bank	NOUN
ejif-6714	191	43	to	to	ADP
ejif-6714	191	44	the	the	DET
ejif-6714	191	45	public	public	NOUN
ejif-6714	191	46	.	.	PUNCT
ejif-6714	192	1	in	in	ADP
ejif-6714	192	2	addition	addition	NOUN
ejif-6714	192	3	,	,	PUNCT
ejif-6714	192	4	the	the	DET
ejif-6714	192	5	government	government	NOUN
ejif-6714	192	6	also	also	ADV
ejif-6714	192	7	provides	provide	VERB
ejif-6714	192	8	an	an	DET
ejif-6714	192	9	option	option	NOUN
ejif-6714	192	10	for	for	SCONJ
ejif-6714	192	11	state	state	NOUN
ejif-6714	192	12	civil	civil	ADJ
ejif-6714	192	13	servants	servant	NOUN
ejif-6714	192	14	to	to	PART
ejif-6714	192	15	receive	receive	VERB
ejif-6714	192	16	their	their	PRON
ejif-6714	192	17	salaries	salary	NOUN
ejif-6714	192	18	using	use	VERB
ejif-6714	192	19	an	an	DET
ejif-6714	192	20	islamic	islamic	PROPN
ejif-6714	192	21	bank	bank	PROPN
ejif-6714	192	22	account	account	NOUN
ejif-6714	192	23	.	.	PUNCT
ejif-6714	193	1	v.	v.	ADP
ejif-6714	193	2	conclusion	conclusion	NOUN
ejif-6714	193	3	according	accord	VERB
ejif-6714	193	4	to	to	ADP
ejif-6714	193	5	the	the	DET
ejif-6714	193	6	results	result	NOUN
ejif-6714	193	7	and	and	CCONJ
ejif-6714	193	8	discussion	discussion	NOUN
ejif-6714	193	9	of	of	ADP
ejif-6714	193	10	the	the	DET
ejif-6714	193	11	research	research	NOUN
ejif-6714	193	12	,	,	PUNCT
ejif-6714	193	13	the	the	DET
ejif-6714	193	14	conclusions	conclusion	NOUN
ejif-6714	193	15	of	of	ADP
ejif-6714	193	16	this	this	DET
ejif-6714	193	17	study	study	NOUN
ejif-6714	193	18	are	be	AUX
ejif-6714	193	19	as	as	SCONJ
ejif-6714	193	20	follows	follow	VERB
ejif-6714	193	21	:	:	PUNCT
ejif-6714	193	22	§	§	PROPN
ejif-6714	193	23	the	the	DET
ejif-6714	193	24	ratio	ratio	NOUN
ejif-6714	193	25	of	of	ADP
ejif-6714	193	26	financing	financing	NOUN
ejif-6714	193	27	distribution	distribution	NOUN
ejif-6714	193	28	(	(	PUNCT
ejif-6714	193	29	fdr	fdr	PROPN
ejif-6714	193	30	)	)	PUNCT
ejif-6714	193	31	has	have	VERB
ejif-6714	193	32	a	a	DET
ejif-6714	193	33	positive	positive	ADJ
ejif-6714	193	34	and	and	CCONJ
ejif-6714	193	35	significant	significant	ADJ
ejif-6714	193	36	effect	effect	NOUN
ejif-6714	193	37	on	on	ADP
ejif-6714	193	38	the	the	DET
ejif-6714	193	39	roa	roa	NOUN
ejif-6714	193	40	of	of	ADP
ejif-6714	193	41	islamic	islamic	ADJ
ejif-6714	193	42	banks	bank	NOUN
ejif-6714	193	43	.	.	PUNCT
ejif-6714	194	1	therefore	therefore	ADV
ejif-6714	194	2	,	,	PUNCT
ejif-6714	194	3	islamic	islamic	ADJ
ejif-6714	194	4	banks	bank	NOUN
ejif-6714	194	5	must	must	AUX
ejif-6714	194	6	be	be	AUX
ejif-6714	194	7	able	able	ADJ
ejif-6714	194	8	to	to	PART
ejif-6714	194	9	compete	compete	VERB
ejif-6714	194	10	with	with	ADP
ejif-6714	194	11	conventional	conventional	ADJ
ejif-6714	194	12	banks	bank	NOUN
ejif-6714	194	13	in	in	ADP
ejif-6714	194	14	making	make	VERB
ejif-6714	194	15	loan	loan	NOUN
ejif-6714	194	16	products	product	NOUN
ejif-6714	194	17	that	that	PRON
ejif-6714	194	18	follow	follow	VERB
ejif-6714	194	19	the	the	DET
ejif-6714	194	20	needs	need	NOUN
ejif-6714	194	21	and	and	CCONJ
ejif-6714	194	22	desires	desire	NOUN
ejif-6714	194	23	of	of	ADP
ejif-6714	194	24	the	the	DET
ejif-6714	194	25	community	community	NOUN
ejif-6714	194	26	;	;	PUNCT
ejif-6714	194	27	§	§	PROPN
ejif-6714	194	28	the	the	DET
ejif-6714	194	29	ratio	ratio	NOUN
ejif-6714	194	30	of	of	ADP
ejif-6714	194	31	lending	lending	NOUN
ejif-6714	194	32	to	to	ADP
ejif-6714	194	33	the	the	DET
ejif-6714	194	34	micro	micro	ADJ
ejif-6714	194	35	and	and	CCONJ
ejif-6714	194	36	small	small	ADJ
ejif-6714	194	37	business	business	NOUN
ejif-6714	194	38	(	(	PUNCT
ejif-6714	194	39	msf	msf	NOUN
ejif-6714	194	40	)	)	PUNCT
ejif-6714	194	41	segment	segment	NOUN
ejif-6714	194	42	has	have	VERB
ejif-6714	194	43	a	a	DET
ejif-6714	194	44	positive	positive	ADJ
ejif-6714	194	45	and	and	CCONJ
ejif-6714	194	46	significant	significant	ADJ
ejif-6714	194	47	impact	impact	NOUN
ejif-6714	194	48	on	on	ADP
ejif-6714	194	49	the	the	DET
ejif-6714	194	50	roa	roa	NOUN
ejif-6714	194	51	of	of	ADP
ejif-6714	194	52	islamic	islamic	ADJ
ejif-6714	194	53	banks	bank	NOUN
ejif-6714	194	54	.	.	PUNCT
ejif-6714	195	1	thus	thus	ADV
ejif-6714	195	2	,	,	PUNCT
ejif-6714	195	3	islamic	islamic	ADJ
ejif-6714	195	4	banks	bank	NOUN
ejif-6714	195	5	should	should	AUX
ejif-6714	195	6	have	have	VERB
ejif-6714	195	7	a	a	DET
ejif-6714	195	8	business	business	NOUN
ejif-6714	195	9	focus	focus	NOUN
ejif-6714	195	10	on	on	ADP
ejif-6714	195	11	the	the	DET
ejif-6714	195	12	micro	micro	ADJ
ejif-6714	195	13	and	and	CCONJ
ejif-6714	195	14	small	small	ADJ
ejif-6714	195	15	business	business	NOUN
ejif-6714	195	16	segment	segment	NOUN
ejif-6714	195	17	so	so	SCONJ
ejif-6714	195	18	that	that	SCONJ
ejif-6714	195	19	the	the	DET
ejif-6714	195	20	performance	performance	NOUN
ejif-6714	195	21	and	and	CCONJ
ejif-6714	195	22	reputation	reputation	NOUN
ejif-6714	195	23	of	of	ADP
ejif-6714	195	24	islamic	islamic	ADJ
ejif-6714	195	25	banks	bank	NOUN
ejif-6714	195	26	that	that	PRON
ejif-6714	195	27	are	be	AUX
ejif-6714	195	28	pro	pro	ADJ
ejif-6714	195	29	-	-	ADJ
ejif-6714	195	30	social	social	ADJ
ejif-6714	195	31	towards	towards	ADP
ejif-6714	195	32	improving	improve	VERB
ejif-6714	195	33	welfare	welfare	NOUN
ejif-6714	195	34	will	will	AUX
ejif-6714	195	35	increase	increase	VERB
ejif-6714	195	36	in	in	ADP
ejif-6714	195	37	the	the	DET
ejif-6714	195	38	community	community	NOUN
ejif-6714	195	39	;	;	PUNCT
ejif-6714	195	40	§	§	PROPN
ejif-6714	195	41	promotional	promotional	ADJ
ejif-6714	195	42	activities	activity	NOUN
ejif-6714	195	43	(	(	PUNCT
ejif-6714	195	44	pcr	pcr	NOUN
ejif-6714	195	45	)	)	PUNCT
ejif-6714	195	46	from	from	ADP
ejif-6714	195	47	islamic	islamic	ADJ
ejif-6714	195	48	banks	bank	NOUN
ejif-6714	195	49	positively	positively	ADV
ejif-6714	195	50	and	and	CCONJ
ejif-6714	195	51	significantly	significantly	ADV
ejif-6714	195	52	affect	affect	VERB
ejif-6714	195	53	roa	roa	PROPN
ejif-6714	195	54	.	.	PUNCT
ejif-6714	196	1	based	base	VERB
ejif-6714	196	2	on	on	ADP
ejif-6714	196	3	this	this	PRON
ejif-6714	196	4	,	,	PUNCT
ejif-6714	196	5	islamic	islamic	ADJ
ejif-6714	196	6	banks	bank	NOUN
ejif-6714	196	7	must	must	AUX
ejif-6714	196	8	actively	actively	ADV
ejif-6714	196	9	promote	promote	VERB
ejif-6714	196	10	and	and	CCONJ
ejif-6714	196	11	collaborate	collaborate	VERB
ejif-6714	196	12	with	with	ADP
ejif-6714	196	13	all	all	DET
ejif-6714	196	14	stakeholders	stakeholder	NOUN
ejif-6714	196	15	,	,	PUNCT
ejif-6714	196	16	both	both	CCONJ
ejif-6714	196	17	educational	educational	ADJ
ejif-6714	196	18	institutions	institution	NOUN
ejif-6714	196	19	,	,	PUNCT
ejif-6714	196	20	regulators	regulator	NOUN
ejif-6714	196	21	,	,	PUNCT
ejif-6714	196	22	and	and	CCONJ
ejif-6714	196	23	non	non	ADJ
ejif-6714	196	24	-	-	ADJ
ejif-6714	196	25	governmental	governmental	ADJ
ejif-6714	196	26	organizations	organization	NOUN
ejif-6714	196	27	,	,	PUNCT
ejif-6714	196	28	to	to	PART
ejif-6714	196	29	improve	improve	VERB
ejif-6714	196	30	the	the	DET
ejif-6714	196	31	islamic	islamic	ADJ
ejif-6714	196	32	financial	financial	ADJ
ejif-6714	196	33	literacy	literacy	NOUN
ejif-6714	196	34	of	of	ADP
ejif-6714	196	35	the	the	DET
ejif-6714	196	36	community	community	NOUN
ejif-6714	196	37	;	;	PUNCT
ejif-6714	196	38	§	§	NOUN
ejif-6714	196	39	financing	financing	NOUN
ejif-6714	196	40	quality	quality	NOUN
ejif-6714	196	41	(	(	PUNCT
ejif-6714	196	42	npf	npf	NOUN
ejif-6714	196	43	)	)	PUNCT
ejif-6714	196	44	has	have	VERB
ejif-6714	196	45	a	a	DET
ejif-6714	196	46	negative	negative	ADJ
ejif-6714	196	47	and	and	CCONJ
ejif-6714	196	48	significant	significant	ADJ
ejif-6714	196	49	effect	effect	NOUN
ejif-6714	196	50	on	on	ADP
ejif-6714	196	51	the	the	DET
ejif-6714	196	52	roa	roa	NOUN
ejif-6714	196	53	of	of	ADP
ejif-6714	196	54	islamic	islamic	ADJ
ejif-6714	196	55	banks	bank	NOUN
ejif-6714	196	56	.	.	PUNCT
ejif-6714	197	1	therefore	therefore	ADV
ejif-6714	197	2	,	,	PUNCT
ejif-6714	197	3	the	the	DET
ejif-6714	197	4	management	management	NOUN
ejif-6714	197	5	of	of	ADP
ejif-6714	197	6	islamic	islamic	ADJ
ejif-6714	197	7	banks	bank	NOUN
ejif-6714	197	8	must	must	AUX
ejif-6714	197	9	focus	focus	VERB
ejif-6714	197	10	on	on	ADP
ejif-6714	197	11	the	the	DET
ejif-6714	197	12	quality	quality	NOUN
ejif-6714	197	13	of	of	ADP
ejif-6714	197	14	the	the	DET
ejif-6714	197	15	loans	loan	NOUN
ejif-6714	197	16	disbursed	disburse	VERB
ejif-6714	197	17	.	.	PUNCT
ejif-6714	198	1	in	in	ADP
ejif-6714	198	2	addition	addition	NOUN
ejif-6714	198	3	,	,	PUNCT
ejif-6714	198	4	the	the	DET
ejif-6714	198	5	application	application	NOUN
ejif-6714	198	6	of	of	ADP
ejif-6714	198	7	the	the	DET
ejif-6714	198	8	principle	principle	NOUN
ejif-6714	198	9	of	of	ADP
ejif-6714	198	10	prudence	prudence	NOUN
ejif-6714	198	11	is	be	AUX
ejif-6714	198	12	vital	vital	ADJ
ejif-6714	198	13	in	in	ADP
ejif-6714	198	14	mitigating	mitigate	VERB
ejif-6714	198	15	risks	risk	NOUN
ejif-6714	198	16	that	that	PRON
ejif-6714	198	17	will	will	AUX
ejif-6714	198	18	arise	arise	VERB
ejif-6714	198	19	in	in	ADP
ejif-6714	198	20	the	the	DET
ejif-6714	198	21	future	future	NOUN
ejif-6714	198	22	;	;	PUNCT
ejif-6714	198	23	§	§	PROPN
ejif-6714	198	24	employee	employee	NOUN
ejif-6714	198	25	productivity	productivity	NOUN
ejif-6714	198	26	(	(	PUNCT
ejif-6714	198	27	lcr	lcr	NOUN
ejif-6714	198	28	)	)	PUNCT
ejif-6714	198	29	has	have	VERB
ejif-6714	198	30	a	a	DET
ejif-6714	198	31	positive	positive	ADJ
ejif-6714	198	32	and	and	CCONJ
ejif-6714	198	33	significant	significant	ADJ
ejif-6714	198	34	effect	effect	NOUN
ejif-6714	198	35	on	on	ADP
ejif-6714	198	36	the	the	DET
ejif-6714	198	37	roa	roa	NOUN
ejif-6714	198	38	of	of	ADP
ejif-6714	198	39	islamic	islamic	ADJ
ejif-6714	198	40	banks	bank	NOUN
ejif-6714	198	41	.	.	PUNCT
ejif-6714	199	1	thus	thus	ADV
ejif-6714	199	2	,	,	PUNCT
ejif-6714	199	3	the	the	DET
ejif-6714	199	4	management	management	NOUN
ejif-6714	199	5	of	of	ADP
ejif-6714	199	6	islamic	islamic	ADJ
ejif-6714	199	7	banks	bank	NOUN
ejif-6714	199	8	must	must	AUX
ejif-6714	199	9	be	be	AUX
ejif-6714	199	10	concerned	concern	VERB
ejif-6714	199	11	about	about	ADP
ejif-6714	199	12	increasing	increase	VERB
ejif-6714	199	13	the	the	DET
ejif-6714	199	14	ability	ability	NOUN
ejif-6714	199	15	,	,	PUNCT
ejif-6714	199	16	innovation	innovation	NOUN
ejif-6714	199	17	,	,	PUNCT
ejif-6714	199	18	and	and	CCONJ
ejif-6714	199	19	creativity	creativity	NOUN
ejif-6714	199	20	of	of	ADP
ejif-6714	199	21	islamic	islamic	PROPN
ejif-6714	199	22	bank	bank	PROPN
ejif-6714	199	23	employees	employee	NOUN
ejif-6714	199	24	to	to	PART
ejif-6714	199	25	sell	sell	VERB
ejif-6714	199	26	products	product	NOUN
ejif-6714	199	27	and	and	CCONJ
ejif-6714	199	28	create	create	VERB
ejif-6714	199	29	products	product	NOUN
ejif-6714	199	30	and	and	CCONJ
ejif-6714	199	31	services	service	NOUN
ejif-6714	199	32	following	follow	VERB
ejif-6714	199	33	public	public	ADJ
ejif-6714	199	34	expectations	expectation	NOUN
ejif-6714	199	35	.	.	PUNCT
ejif-6714	200	1	the	the	DET
ejif-6714	200	2	implication	implication	NOUN
ejif-6714	200	3	of	of	ADP
ejif-6714	200	4	this	this	DET
ejif-6714	200	5	research	research	NOUN
ejif-6714	200	6	is	be	AUX
ejif-6714	200	7	to	to	PART
ejif-6714	200	8	provide	provide	VERB
ejif-6714	200	9	repertoire	repertoire	NOUN
ejif-6714	200	10	related	relate	VERB
ejif-6714	200	11	to	to	ADP
ejif-6714	200	12	islamic	islamic	PROPN
ejif-6714	200	13	bank	bank	PROPN
ejif-6714	200	14	performance	performance	NOUN
ejif-6714	200	15	research	research	NOUN
ejif-6714	200	16	based	base	VERB
ejif-6714	200	17	on	on	ADP
ejif-6714	200	18	the	the	DET
ejif-6714	200	19	point	point	NOUN
ejif-6714	200	20	of	of	ADP
ejif-6714	200	21	view	view	NOUN
ejif-6714	200	22	of	of	ADP
ejif-6714	200	23	the	the	DET
ejif-6714	200	24	effectiveness	effectiveness	NOUN
ejif-6714	200	25	of	of	ADP
ejif-6714	200	26	the	the	DET
ejif-6714	200	27	promotion	promotion	NOUN
ejif-6714	200	28	and	and	CCONJ
ejif-6714	200	29	the	the	DET
ejif-6714	200	30	productivity	productivity	NOUN
ejif-6714	200	31	of	of	ADP
ejif-6714	200	32	the	the	DET
ejif-6714	200	33	employees	employee	NOUN
ejif-6714	200	34	of	of	ADP
ejif-6714	200	35	the	the	DET
ejif-6714	200	36	islamic	islamic	PROPN
ejif-6714	200	37	bank	bank	PROPN
ejif-6714	200	38	.	.	PUNCT
ejif-6714	201	1	in	in	ADP
ejif-6714	201	2	addition	addition	NOUN
ejif-6714	201	3	,	,	PUNCT
ejif-6714	201	4	this	this	DET
ejif-6714	201	5	research	research	NOUN
ejif-6714	201	6	also	also	ADV
ejif-6714	201	7	has	have	VERB
ejif-6714	201	8	implications	implication	NOUN
ejif-6714	201	9	for	for	ADP
ejif-6714	201	10	regulators	regulator	NOUN
ejif-6714	201	11	and	and	CCONJ
ejif-6714	201	12	practitioners	practitioner	NOUN
ejif-6714	201	13	of	of	ADP
ejif-6714	201	14	islamic	islamic	ADJ
ejif-6714	201	15	banks	bank	NOUN
ejif-6714	201	16	to	to	PART
ejif-6714	201	17	improve	improve	VERB
ejif-6714	201	18	islamic	islamic	ADJ
ejif-6714	201	19	banks	bank	NOUN
ejif-6714	201	20	'	'	PART
ejif-6714	201	21	performance	performance	NOUN
ejif-6714	201	22	.	.	PUNCT
ejif-6714	202	1	several	several	ADJ
ejif-6714	202	2	factors	factor	NOUN
ejif-6714	202	3	need	need	VERB
ejif-6714	202	4	to	to	PART
ejif-6714	202	5	be	be	AUX
ejif-6714	202	6	a	a	DET
ejif-6714	202	7	concern	concern	NOUN
ejif-6714	202	8	,	,	PUNCT
ejif-6714	202	9	including	include	VERB
ejif-6714	202	10	the	the	DET
ejif-6714	202	11	ability	ability	NOUN
ejif-6714	202	12	to	to	PART
ejif-6714	202	13	channel	channel	VERB
ejif-6714	202	14	financing	financing	NOUN
ejif-6714	202	15	(	(	PUNCT
ejif-6714	202	16	fdr	fdr	PROPN
ejif-6714	202	17	)	)	PUNCT
ejif-6714	202	18	,	,	PUNCT
ejif-6714	202	19	lending	lend	VERB
ejif-6714	202	20	to	to	ADP
ejif-6714	202	21	the	the	DET
ejif-6714	202	22	micro	micro	ADJ
ejif-6714	202	23	and	and	CCONJ
ejif-6714	202	24	small	small	ADJ
ejif-6714	202	25	business	business	NOUN
ejif-6714	202	26	segment	segment	NOUN
ejif-6714	202	27	(	(	PUNCT
ejif-6714	202	28	msf	msf	PROPN
ejif-6714	202	29	)	)	PUNCT
ejif-6714	202	30	,	,	PUNCT
ejif-6714	202	31	increasing	increase	VERB
ejif-6714	202	32	promotion	promotion	NOUN
ejif-6714	202	33	(	(	PUNCT
ejif-6714	202	34	pcr	pcr	PROPN
ejif-6714	202	35	)	)	PUNCT
ejif-6714	202	36	,	,	PUNCT
ejif-6714	202	37	maintaining	maintain	VERB
ejif-6714	202	38	financing	finance	VERB
ejif-6714	202	39	quality	quality	NOUN
ejif-6714	202	40	(	(	PUNCT
ejif-6714	202	41	npf	npf	PROPN
ejif-6714	202	42	)	)	PUNCT
ejif-6714	202	43	,	,	PUNCT
ejif-6714	202	44	and	and	CCONJ
ejif-6714	202	45	also	also	ADV
ejif-6714	202	46	increasing	increase	VERB
ejif-6714	202	47	employee	employee	NOUN
ejif-6714	202	48	productivity	productivity	NOUN
ejif-6714	202	49	(	(	PUNCT
ejif-6714	202	50	lcr	lcr	NOUN
ejif-6714	202	51	)	)	PUNCT
ejif-6714	202	52	.	.	PUNCT
ejif-6714	203	1	nevertheless	nevertheless	ADV
ejif-6714	203	2	,	,	PUNCT
ejif-6714	203	3	the	the	DET
ejif-6714	203	4	limitation	limitation	NOUN
ejif-6714	203	5	of	of	ADP
ejif-6714	203	6	this	this	DET
ejif-6714	203	7	study	study	NOUN
ejif-6714	203	8	is	be	AUX
ejif-6714	203	9	that	that	SCONJ
ejif-6714	203	10	the	the	DET
ejif-6714	203	11	use	use	NOUN
ejif-6714	203	12	of	of	ADP
ejif-6714	203	13	factors	factor	NOUN
ejif-6714	203	14	that	that	PRON
ejif-6714	203	15	affect	affect	VERB
ejif-6714	203	16	roa	roa	PROPN
ejif-6714	203	17	is	be	AUX
ejif-6714	203	18	limited	limit	VERB
ejif-6714	203	19	to	to	ADP
ejif-6714	203	20	the	the	DET
ejif-6714	203	21	variables	variable	NOUN
ejif-6714	203	22	fdr	fdr	PROPN
ejif-6714	203	23	,	,	PUNCT
ejif-6714	203	24	msf	msf	PROPN
ejif-6714	203	25	,	,	PUNCT
ejif-6714	203	26	pcr	pcr	PROPN
ejif-6714	203	27	,	,	PUNCT
ejif-6714	203	28	npf	npf	NOUN
ejif-6714	203	29	,	,	PUNCT
ejif-6714	203	30	and	and	CCONJ
ejif-6714	203	31	lcr	lcr	NOUN
ejif-6714	203	32	.	.	PUNCT
ejif-6714	204	1	therefore	therefore	ADV
ejif-6714	204	2	,	,	PUNCT
ejif-6714	204	3	further	further	ADJ
ejif-6714	204	4	research	research	NOUN
ejif-6714	204	5	can	can	AUX
ejif-6714	204	6	add	add	VERB
ejif-6714	204	7	to	to	ADP
ejif-6714	204	8	the	the	DET
ejif-6714	204	9	factors	factor	NOUN
ejif-6714	204	10	that	that	PRON
ejif-6714	204	11	affect	affect	VERB
ejif-6714	204	12	roa	roa	PROPN
ejif-6714	204	13	.	.	PUNCT
ejif-6714	205	1	references	reference	NOUN
ejif-6714	205	2	[	[	X
ejif-6714	205	3	1	1	NUM
ejif-6714	205	4	]	]	PUNCT
ejif-6714	205	5	m.	m.	PROPN
ejif-6714	205	6	a.	a.	PROPN
ejif-6714	205	7	choudhury	choudhury	PROPN
ejif-6714	205	8	,	,	PUNCT
ejif-6714	205	9	m.	m.	PROPN
ejif-6714	205	10	s.	s.	PROPN
ejif-6714	205	11	hossain	hossain	PROPN
ejif-6714	205	12	,	,	PUNCT
ejif-6714	205	13	e	e	PROPN
ejif-6714	205	14	m.	m.	NOUN
ejif-6714	205	15	t.	t.	PROPN
ejif-6714	205	16	mohammad	mohammad	PROPN
ejif-6714	205	17	,	,	PUNCT
ejif-6714	205	18	«	«	PUNCT
ejif-6714	205	19	islamic	islamic	ADJ
ejif-6714	205	20	finance	finance	NOUN
ejif-6714	205	21	instruments	instrument	NOUN
ejif-6714	205	22	for	for	ADP
ejif-6714	205	23	promoting	promote	VERB
ejif-6714	205	24	long	long	ADJ
ejif-6714	205	25	-	-	PUNCT
ejif-6714	205	26	run	run	NOUN
ejif-6714	205	27	investment	investment	NOUN
ejif-6714	205	28	in	in	ADP
ejif-6714	205	29	the	the	DET
ejif-6714	205	30	light	light	NOUN
ejif-6714	205	31	of	of	ADP
ejif-6714	205	32	the	the	DET
ejif-6714	205	33	well	well	ADV
ejif-6714	205	34	-	-	PUNCT
ejif-6714	205	35	being	being	NOUN
ejif-6714	205	36	criterion	criterion	NOUN
ejif-6714	205	37	(	(	PUNCT
ejif-6714	205	38	maslaha	maslaha	NOUN
ejif-6714	205	39	)	)	PUNCT
ejif-6714	205	40	»	»	NOUN
ejif-6714	205	41	,	,	PUNCT
ejif-6714	206	1	j.	j.	PROPN
ejif-6714	206	2	islam	islam	PROPN
ejif-6714	206	3	.	.	PROPN
ejif-6714	206	4	account	account	PROPN
ejif-6714	206	5	.	.	PUNCT
ejif-6714	207	1	bus	bus	NOUN
ejif-6714	207	2	.	.	PUNCT
ejif-6714	208	1	res	re	NOUN
ejif-6714	208	2	.	.	PROPN
ejif-6714	208	3	,	,	PUNCT
ejif-6714	208	4	vol	vol	NOUN
ejif-6714	208	5	.	.	PROPN
ejif-6714	208	6	10	10	NUM
ejif-6714	208	7	,	,	PUNCT
ejif-6714	208	8	fasc	fasc	PROPN
ejif-6714	208	9	.	.	PROPN
ejif-6714	208	10	2	2	NUM
ejif-6714	208	11	,	,	PUNCT
ejif-6714	208	12	pp	pp	ADJ
ejif-6714	208	13	.	.	PUNCT
ejif-6714	209	1	315–339	315–339	NUM
ejif-6714	209	2	,	,	PUNCT
ejif-6714	209	3	2019	2019	NUM
ejif-6714	209	4	,	,	PUNCT
ejif-6714	209	5	doi	doi	NOUN
ejif-6714	209	6	:	:	PUNCT
ejif-6714	209	7	10.1108	10.1108	NUM
ejif-6714	209	8	/	/	SYM
ejif-6714	209	9	jiabr-11	jiabr-11	PROPN
ejif-6714	209	10	-	-	PUNCT
ejif-6714	209	11	20160133	20160133	NUM
ejif-6714	209	12	.	.	PUNCT
ejif-6714	210	1	[	[	X
ejif-6714	210	2	2	2	NUM
ejif-6714	210	3	]	]	PUNCT
ejif-6714	210	4	l.	l.	PROPN
ejif-6714	210	5	nugroho	nugroho	PROPN
ejif-6714	210	6	,	,	PUNCT
ejif-6714	210	7	t.	t.	PROPN
ejif-6714	210	8	c.	c.	PROPN
ejif-6714	210	9	husnadi	husnadi	PROPN
ejif-6714	210	10	,	,	PUNCT
ejif-6714	210	11	w.	w.	PROPN
ejif-6714	210	12	utami	utami	PROPN
ejif-6714	210	13	,	,	PUNCT
ejif-6714	210	14	e	e	PROPN
ejif-6714	210	15	n.	n.	PROPN
ejif-6714	210	16	hidayah	hidayah	PROPN
ejif-6714	210	17	,	,	PUNCT
ejif-6714	210	18	«	«	PUNCT
ejif-6714	210	19	maslahah	maslahah	NOUN
ejif-6714	210	20	and	and	CCONJ
ejif-6714	210	21	strategy	strategy	NOUN
ejif-6714	210	22	to	to	PART
ejif-6714	210	23	establish	establish	VERB
ejif-6714	210	24	a	a	DET
ejif-6714	210	25	single	single	ADJ
ejif-6714	210	26	stateowned	stateowne	VERB
ejif-6714	210	27	islamic	islamic	PROPN
ejif-6714	210	28	bank	bank	PROPN
ejif-6714	210	29	in	in	ADP
ejif-6714	210	30	indonesia	indonesia	PROPN
ejif-6714	210	31	»	»	X
ejif-6714	210	32	,	,	PUNCT
ejif-6714	210	33	tazkia	tazkia	PROPN
ejif-6714	210	34	islam	islam	PROPN
ejif-6714	210	35	.	.	PUNCT
ejif-6714	210	36	finance	finance	PROPN
ejif-6714	210	37	bus	bus	NOUN
ejif-6714	210	38	.	.	PUNCT
ejif-6714	211	1	rev	rev	PROPN
ejif-6714	211	2	.	.	PROPN
ejif-6714	211	3	,	,	PUNCT
ejif-6714	211	4	vol	vol	NOUN
ejif-6714	211	5	.	.	PROPN
ejif-6714	211	6	10	10	NUM
ejif-6714	211	7	,	,	PUNCT
ejif-6714	211	8	fasc	fasc	PROPN
ejif-6714	211	9	.	.	PROPN
ejif-6714	211	10	1	1	NUM
ejif-6714	211	11	,	,	PUNCT
ejif-6714	211	12	pp	pp	ADJ
ejif-6714	211	13	.	.	PUNCT
ejif-6714	212	1	17–33	17–33	NUM
ejif-6714	212	2	,	,	PUNCT
ejif-6714	212	3	giu	giu	PROPN
ejif-6714	212	4	.	.	PROPN
ejif-6714	212	5	2017	2017	NUM
ejif-6714	212	6	.	.	PUNCT
ejif-6714	213	1	[	[	X
ejif-6714	213	2	3	3	X
ejif-6714	213	3	]	]	X
ejif-6714	213	4	l.	l.	PROPN
ejif-6714	213	5	nugroho	nugroho	PROPN
ejif-6714	213	6	,	,	PUNCT
ejif-6714	213	7	«	«	PUNCT
ejif-6714	213	8	problematika	problematika	PROPN
ejif-6714	213	9	bank	bank	PROPN
ejif-6714	213	10	syariah	syariah	PROPN
ejif-6714	213	11	»	»	VERB
ejif-6714	213	12	,	,	PUNCT
ejif-6714	213	13	in	in	ADP
ejif-6714	213	14	bank	bank	NOUN
ejif-6714	213	15	syariah	syariah	PROPN
ejif-6714	213	16	tidak	tidak	PROPN
ejif-6714	213	17	syariah	syariah	PROPN
ejif-6714	213	18	?	?	PUNCT
ejif-6714	213	19	,	,	PUNCT
ejif-6714	213	20	acrh	acrh	PROPN
ejif-6714	213	21	:	:	PUNCT
ejif-6714	213	22	fakultas	fakultas	PROPN
ejif-6714	213	23	ekonomi	ekonomi	PROPN
ejif-6714	213	24	dan	dan	PROPN
ejif-6714	213	25	bisnis	bisnis	PROPN
ejif-6714	213	26	islam	islam	PROPN
ejif-6714	213	27	iain	iain	PROPN
ejif-6714	213	28	lhokseumawe	lhokseumawe	PROPN
ejif-6714	213	29	,	,	PUNCT
ejif-6714	213	30	2022	2022	NUM
ejif-6714	213	31	,	,	PUNCT
ejif-6714	213	32	pp	pp	ADJ
ejif-6714	213	33	.	.	PUNCT
ejif-6714	214	1	197–207	197–207	NUM
ejif-6714	214	2	.	.	PUNCT
ejif-6714	215	1	[	[	X
ejif-6714	215	2	4	4	NUM
ejif-6714	215	3	]	]	PUNCT
ejif-6714	215	4	l.	l.	PROPN
ejif-6714	215	5	h.	h.	PROPN
ejif-6714	215	6	aziz	aziz	PROPN
ejif-6714	215	7	et	et	PROPN
ejif-6714	215	8	al	al	PROPN
ejif-6714	215	9	.	.	PROPN
ejif-6714	215	10	,	,	PUNCT
ejif-6714	215	11	akuntansi	akuntansi	PROPN
ejif-6714	215	12	syariah	syariah	PROPN
ejif-6714	215	13	(	(	PUNCT
ejif-6714	215	14	sebuah	sebuah	PROPN
ejif-6714	215	15	tinjauan	tinjauan	PROPN
ejif-6714	215	16	teori	teori	PROPN
ejif-6714	215	17	dan	dan	PROPN
ejif-6714	215	18	praktis	praktis	PROPN
ejif-6714	215	19	)	)	PUNCT
ejif-6714	215	20	,	,	PUNCT
ejif-6714	215	21	first	first	ADV
ejif-6714	215	22	.	.	PUNCT
ejif-6714	216	1	bandung	bandung	PROPN
ejif-6714	216	2	:	:	PUNCT
ejif-6714	216	3	penerbit	penerbit	PROPN
ejif-6714	216	4	widina	widina	PROPN
ejif-6714	216	5	bhakti	bhakti	PROPN
ejif-6714	216	6	persada	persada	PROPN
ejif-6714	216	7	bandung	bandung	PROPN
ejif-6714	216	8	,	,	PUNCT
ejif-6714	216	9	2021	2021	NUM
ejif-6714	216	10	.	.	PUNCT
ejif-6714	217	1	[	[	X
ejif-6714	217	2	5	5	NUM
ejif-6714	217	3	]	]	X
ejif-6714	217	4	n.	n.	NOUN
ejif-6714	217	5	ihwanudin	ihwanudin	VERB
ejif-6714	217	6	et	et	PROPN
ejif-6714	217	7	al	al	PROPN
ejif-6714	217	8	.	.	PROPN
ejif-6714	217	9	,	,	PUNCT
ejif-6714	217	10	pengantar	pengantar	PROPN
ejif-6714	217	11	perbankan	perbankan	PROPN
ejif-6714	217	12	syariah	syariah	PROPN
ejif-6714	217	13	(	(	PUNCT
ejif-6714	217	14	konsep	konsep	PROPN
ejif-6714	217	15	,	,	PUNCT
ejif-6714	217	16	regulasi	regulasi	NOUN
ejif-6714	217	17	&	&	CCONJ
ejif-6714	217	18	praktis	praktis	PROPN
ejif-6714	217	19	)	)	PUNCT
ejif-6714	217	20	.	.	PUNCT
ejif-6714	218	1	widina	widina	PROPN
ejif-6714	218	2	bhakti	bhakti	PROPN
ejif-6714	218	3	persada	persada	PROPN
ejif-6714	218	4	bandung	bandung	PROPN
ejif-6714	218	5	,	,	PUNCT
ejif-6714	218	6	2020	2020	NUM
ejif-6714	218	7	.	.	PUNCT
ejif-6714	219	1	[	[	X
ejif-6714	219	2	6	6	NUM
ejif-6714	219	3	]	]	PUNCT
ejif-6714	219	4	l.	l.	PROPN
ejif-6714	219	5	nugroho	nugroho	PROPN
ejif-6714	219	6	,	,	PUNCT
ejif-6714	219	7	e.	e.	PROPN
ejif-6714	219	8	nugraha	nugraha	PROPN
ejif-6714	219	9	,	,	PUNCT
ejif-6714	219	10	e	e	PROPN
ejif-6714	219	11	a.	a.	NOUN
ejif-6714	219	12	badawi	badawi	PROPN
ejif-6714	219	13	,	,	PUNCT
ejif-6714	219	14	«	«	PUNCT
ejif-6714	219	15	comparative	comparative	ADJ
ejif-6714	219	16	analysis	analysis	NOUN
ejif-6714	219	17	of	of	ADP
ejif-6714	219	18	the	the	DET
ejif-6714	219	19	effect	effect	NOUN
ejif-6714	219	20	of	of	ADP
ejif-6714	219	21	loan	loan	NOUN
ejif-6714	219	22	/	/	SYM
ejif-6714	219	23	financing	financing	NOUN
ejif-6714	219	24	to	to	PART
ejif-6714	219	25	deposit	deposit	VERB
ejif-6714	219	26	ratio	ratio	NOUN
ejif-6714	219	27	,	,	PUNCT
ejif-6714	219	28	labor	labor	NOUN
ejif-6714	219	29	costs	cost	VERB
ejif-6714	219	30	growth	growth	NOUN
ejif-6714	219	31	and	and	CCONJ
ejif-6714	219	32	promotion	promotion	NOUN
ejif-6714	219	33	costs	cost	VERB
ejif-6714	219	34	growth	growth	NOUN
ejif-6714	219	35	to	to	ADP
ejif-6714	219	36	returns	return	NOUN
ejif-6714	219	37	on	on	ADP
ejif-6714	219	38	assets	asset	NOUN
ejif-6714	219	39	in	in	ADP
ejif-6714	219	40	islamic	islamic	ADJ
ejif-6714	219	41	banks	bank	NOUN
ejif-6714	219	42	and	and	CCONJ
ejif-6714	219	43	conventional	conventional	ADJ
ejif-6714	219	44	banks	bank	NOUN
ejif-6714	219	45	in	in	ADP
ejif-6714	219	46	indonesia	indonesia	PROPN
ejif-6714	219	47	»	»	X
ejif-6714	219	48	,	,	PUNCT
ejif-6714	219	49	int	int	PROPN
ejif-6714	219	50	.	.	PUNCT
ejif-6714	220	1	j.	j.	PROPN
ejif-6714	220	2	commer	commer	PROPN
ejif-6714	220	3	.	.	PUNCT
ejif-6714	220	4	finance	finance	PROPN
ejif-6714	220	5	,	,	PUNCT
ejif-6714	220	6	vol	vol	NOUN
ejif-6714	220	7	.	.	PROPN
ejif-6714	220	8	7	7	NUM
ejif-6714	220	9	,	,	PUNCT
ejif-6714	220	10	fasc	fasc	PROPN
ejif-6714	220	11	.	.	PROPN
ejif-6714	220	12	2	2	NUM
ejif-6714	220	13	,	,	PUNCT
ejif-6714	220	14	pp	pp	PROPN
ejif-6714	220	15	.	.	PUNCT
ejif-6714	221	1	21–49	21–49	NUM
ejif-6714	221	2	,	,	PUNCT
ejif-6714	221	3	2021	2021	NUM
ejif-6714	221	4	.	.	PUNCT
ejif-6714	222	1	[	[	X
ejif-6714	222	2	7	7	X
ejif-6714	222	3	]	]	X
ejif-6714	222	4	l.	l.	PROPN
ejif-6714	222	5	nugroho	nugroho	PROPN
ejif-6714	222	6	,	,	PUNCT
ejif-6714	222	7	a.	a.	NOUN
ejif-6714	222	8	a.	a.	NOUN
ejif-6714	222	9	mastur	mastur	PROPN
ejif-6714	222	10	,	,	PUNCT
ejif-6714	222	11	harnovinsah	harnovinsah	PROPN
ejif-6714	222	12	,	,	PUNCT
ejif-6714	222	13	e	e	PROPN
ejif-6714	222	14	w.	w.	PROPN
ejif-6714	222	15	aryanti	aryanti	PROPN
ejif-6714	222	16	,	,	PUNCT
ejif-6714	222	17	«	«	PUNCT
ejif-6714	222	18	the	the	DET
ejif-6714	222	19	contribution	contribution	NOUN
ejif-6714	222	20	of	of	ADP
ejif-6714	222	21	islamic	islamic	PROPN
ejif-6714	222	22	bank	bank	PROPN
ejif-6714	222	23	in	in	ADP
ejif-6714	222	24	poverty	poverty	NOUN
ejif-6714	222	25	alleviation	alleviation	NOUN
ejif-6714	222	26	»	»	PUNCT
ejif-6714	222	27	,	,	PUNCT
ejif-6714	222	28	al	al	PROPN
ejif-6714	222	29	-	-	PUNCT
ejif-6714	222	30	ahkam	ahkam	PROPN
ejif-6714	222	31	j.	j.	PROPN
ejif-6714	222	32	pemikir	pemikir	PROPN
ejif-6714	222	33	.	.	PUNCT
ejif-6714	223	1	huk	huk	PROPN
ejif-6714	223	2	.	.	PUNCT
ejif-6714	224	1	islam	islam	PROPN
ejif-6714	224	2	,	,	PUNCT
ejif-6714	224	3	vol	vol	NOUN
ejif-6714	224	4	.	.	PROPN
ejif-6714	224	5	30	30	NUM
ejif-6714	224	6	,	,	PUNCT
ejif-6714	224	7	european	european	ADJ
ejif-6714	224	8	journal	journal	PROPN
ejif-6714	224	9	of	of	ADP
ejif-6714	224	10	islamic	islamic	PROPN
ejif-6714	224	11	finance	finance	PROPN
ejif-6714	224	12	issn	issn	PROPN
ejif-6714	224	13	:	:	PUNCT
ejif-6714	224	14	2421	2421	NUM
ejif-6714	224	15	-	-	SYM
ejif-6714	224	16	2172	2172	NUM
ejif-6714	224	17	doi	doi	NOUN
ejif-6714	224	18	:	:	PUNCT
ejif-6714	224	19	10.13135/2421	10.13135/2421	NUM
ejif-6714	224	20	-	-	SYM
ejif-6714	224	21	2172/6714	2172/6714	NUM
ejif-6714	224	22	published	publish	VERB
ejif-6714	224	23	by	by	ADP
ejif-6714	224	24	the	the	DET
ejif-6714	224	25	university	university	PROPN
ejif-6714	224	26	of	of	ADP
ejif-6714	224	27	turin	turin	PROPN
ejif-6714	225	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	225	2	ejif	ejif	PROPN
ejif-6714	225	3	content	content	NOUN
ejif-6714	225	4	is	be	AUX
ejif-6714	225	5	licensed	license	VERB
ejif-6714	225	6	under	under	ADP
ejif-6714	225	7	a	a	DET
ejif-6714	225	8	creative	creative	ADJ
ejif-6714	225	9	commons	common	NOUN
ejif-6714	225	10	attribution	attribution	NOUN
ejif-6714	225	11	4.0	4.0	NUM
ejif-6714	225	12	international	international	ADJ
ejif-6714	225	13	license	license	NOUN
ejif-6714	225	14	received	receive	VERB
ejif-6714	225	15	:	:	PUNCT
ejif-6714	225	16	25/04/2022	25/04/2022	NUM
ejif-6714	225	17	accepted	accept	VERB
ejif-6714	225	18	for	for	ADP
ejif-6714	225	19	publication	publication	NOUN
ejif-6714	225	20	:	:	PUNCT
ejif-6714	225	21	19/11/2022	19/11/2022	NUM
ejif-6714	225	22	published	publish	VERB
ejif-6714	225	23	:	:	PUNCT
ejif-6714	225	24	29/12/2022	29/12/2022	NUM
ejif-6714	225	25	45	45	NUM
ejif-6714	225	26	fasc	fasc	NOUN
ejif-6714	225	27	.	.	PROPN
ejif-6714	225	28	1	1	NUM
ejif-6714	225	29	,	,	PUNCT
ejif-6714	225	30	pp	pp	ADJ
ejif-6714	225	31	.	.	PUNCT
ejif-6714	226	1	19–38	19–38	NUM
ejif-6714	226	2	,	,	PUNCT
ejif-6714	226	3	2020	2020	NUM
ejif-6714	226	4	.	.	PUNCT
ejif-6714	227	1	[	[	X
ejif-6714	227	2	8	8	NUM
ejif-6714	227	3	]	]	X
ejif-6714	227	4	l.	l.	PROPN
ejif-6714	227	5	nugroho	nugroho	PROPN
ejif-6714	227	6	,	,	PUNCT
ejif-6714	227	7	a.	a.	PROPN
ejif-6714	227	8	badawi	badawi	PROPN
ejif-6714	227	9	,	,	PUNCT
ejif-6714	227	10	e.	e.	PROPN
ejif-6714	227	11	nugraha	nugraha	PROPN
ejif-6714	227	12	,	,	PUNCT
ejif-6714	227	13	e	e	PROPN
ejif-6714	227	14	y.	y.	PROPN
ejif-6714	227	15	m.	m.	PROPN
ejif-6714	227	16	putra	putra	PROPN
ejif-6714	227	17	,	,	PUNCT
ejif-6714	227	18	«	«	PUNCT
ejif-6714	227	19	what	what	PRON
ejif-6714	227	20	determines	determine	VERB
ejif-6714	227	21	islamic	islamic	ADJ
ejif-6714	227	22	performance	performance	NOUN
ejif-6714	227	23	ratio	ratio	NOUN
ejif-6714	227	24	of	of	ADP
ejif-6714	227	25	islamic	islamic	ADJ
ejif-6714	227	26	banking	banking	NOUN
ejif-6714	227	27	in	in	ADP
ejif-6714	227	28	indonesia	indonesia	PROPN
ejif-6714	227	29	:	:	PUNCT
ejif-6714	227	30	an	an	DET
ejif-6714	227	31	analysis	analysis	NOUN
ejif-6714	227	32	using	use	VERB
ejif-6714	227	33	financing	financing	NOUN
ejif-6714	227	34	deposit	deposit	NOUN
ejif-6714	227	35	to	to	PART
ejif-6714	227	36	ratio	ratio	VERB
ejif-6714	227	37	as	as	ADP
ejif-6714	227	38	moderator	moderator	NOUN
ejif-6714	227	39	»	»	NOUN
ejif-6714	227	40	,	,	PUNCT
ejif-6714	227	41	share	share	PROPN
ejif-6714	227	42	j.	j.	PROPN
ejif-6714	227	43	ekon	ekon	PROPN
ejif-6714	227	44	.	.	PUNCT
ejif-6714	228	1	dan	dan	PROPN
ejif-6714	228	2	keuang	keuang	PROPN
ejif-6714	228	3	.	.	PUNCT
ejif-6714	229	1	islam	islam	PROPN
ejif-6714	229	2	,	,	PUNCT
ejif-6714	229	3	vol	vol	NOUN
ejif-6714	229	4	.	.	PROPN
ejif-6714	229	5	10	10	NUM
ejif-6714	229	6	,	,	PUNCT
ejif-6714	229	7	fasc	fasc	PROPN
ejif-6714	229	8	.	.	PROPN
ejif-6714	229	9	1	1	NUM
ejif-6714	229	10	,	,	PUNCT
ejif-6714	229	11	pp	pp	ADJ
ejif-6714	229	12	.	.	PUNCT
ejif-6714	230	1	104–123	104–123	NUM
ejif-6714	230	2	,	,	PUNCT
ejif-6714	230	3	2021	2021	NUM
ejif-6714	230	4	,	,	PUNCT
ejif-6714	230	5	doi	doi	NOUN
ejif-6714	230	6	:	:	PUNCT
ejif-6714	230	7	10.22373	10.22373	NUM
ejif-6714	230	8	/	/	SYM
ejif-6714	230	9	share.v10i1.9314	share.v10i1.9314	NOUN
ejif-6714	230	10	.	.	PUNCT
ejif-6714	231	1	[	[	X
ejif-6714	231	2	9	9	NUM
ejif-6714	231	3	]	]	PUNCT
ejif-6714	231	4	c.	c.	PROPN
ejif-6714	231	5	sukmadilaga	sukmadilaga	PROPN
ejif-6714	231	6	e	e	PROPN
ejif-6714	231	7	l.	l.	PROPN
ejif-6714	231	8	nugroho	nugroho	PROPN
ejif-6714	231	9	,	,	PUNCT
ejif-6714	231	10	pengantar	pengantar	PROPN
ejif-6714	231	11	akuntansi	akuntansi	PROPN
ejif-6714	231	12	perbankan	perbankan	PROPN
ejif-6714	231	13	syariah	syariah	PROPN
ejif-6714	231	14	prinsip	prinsip	PROPN
ejif-6714	231	15	,	,	PUNCT
ejif-6714	231	16	praktik	praktik	VERB
ejif-6714	231	17	dan	dan	PROPN
ejif-6714	231	18	kinerja	kinerja	PROPN
ejif-6714	231	19	.	.	PROPN
ejif-6714	231	20	,	,	PUNCT
ejif-6714	231	21	first	first	ADV
ejif-6714	231	22	.	.	PUNCT
ejif-6714	231	23	,	,	PUNCT
ejif-6714	231	24	fasc	fasc	PROPN
ejif-6714	231	25	.	.	PROPN
ejif-6714	231	26	1	1	NUM
ejif-6714	231	27	.	.	X
ejif-6714	231	28	lampung	lampung	NOUN
ejif-6714	231	29	:	:	PUNCT
ejif-6714	231	30	pusaka	pusaka	NOUN
ejif-6714	231	31	media	medium	NOUN
ejif-6714	231	32	,	,	PUNCT
ejif-6714	231	33	2017	2017	NUM
ejif-6714	231	34	.	.	PUNCT
ejif-6714	232	1	[	[	X
ejif-6714	232	2	10	10	NUM
ejif-6714	232	3	]	]	PUNCT
ejif-6714	232	4	a.	a.	NOUN
ejif-6714	232	5	w.	w.	PROPN
ejif-6714	232	6	dusuki	dusuki	PROPN
ejif-6714	232	7	,	,	PUNCT
ejif-6714	232	8	«	«	PUNCT
ejif-6714	232	9	banking	banking	NOUN
ejif-6714	232	10	for	for	ADP
ejif-6714	232	11	the	the	DET
ejif-6714	232	12	poor	poor	ADJ
ejif-6714	232	13	:	:	PUNCT
ejif-6714	232	14	the	the	DET
ejif-6714	232	15	role	role	NOUN
ejif-6714	232	16	of	of	ADP
ejif-6714	232	17	islamic	islamic	ADJ
ejif-6714	232	18	banking	banking	NOUN
ejif-6714	232	19	in	in	ADP
ejif-6714	232	20	microfinance	microfinance	NOUN
ejif-6714	232	21	initiatives	initiative	NOUN
ejif-6714	232	22	»	»	PUNCT
ejif-6714	232	23	,	,	PUNCT
ejif-6714	232	24	in	in	ADP
ejif-6714	232	25	proceedings	proceeding	NOUN
ejif-6714	232	26	of	of	ADP
ejif-6714	232	27	the	the	DET
ejif-6714	232	28	2nd	2nd	ADJ
ejif-6714	232	29	islamic	islamic	PROPN
ejif-6714	232	30	conference	conference	PROPN
ejif-6714	232	31	2007	2007	NUM
ejif-6714	232	32	(	(	PUNCT
ejif-6714	232	33	iecons2007	iecons2007	PROPN
ejif-6714	232	34	)	)	PUNCT
ejif-6714	232	35	,	,	PUNCT
ejif-6714	232	36	2007	2007	NUM
ejif-6714	232	37	,	,	PUNCT
ejif-6714	232	38	vol	vol	NOUN
ejif-6714	232	39	.	.	PROPN
ejif-6714	232	40	2007	2007	NUM
ejif-6714	232	41	,	,	PUNCT
ejif-6714	232	42	pp	pp	ADV
ejif-6714	232	43	.	.	PUNCT
ejif-6714	233	1	1–29	1–29	PROPN
ejif-6714	233	2	.	.	PUNCT
ejif-6714	234	1	[	[	X
ejif-6714	234	2	11	11	NUM
ejif-6714	234	3	]	]	PUNCT
ejif-6714	234	4	w.	w.	NOUN
ejif-6714	234	5	arafah	arafah	PROPN
ejif-6714	234	6	e	e	PROPN
ejif-6714	234	7	l.	l.	PROPN
ejif-6714	234	8	nugroho	nugroho	PROPN
ejif-6714	234	9	,	,	PUNCT
ejif-6714	234	10	«	«	PUNCT
ejif-6714	234	11	maqhashid	maqhashid	PROPN
ejif-6714	234	12	sharia	sharia	PROPN
ejif-6714	234	13	in	in	ADP
ejif-6714	234	14	clean	clean	ADJ
ejif-6714	234	15	water	water	NOUN
ejif-6714	234	16	financing	financing	NOUN
ejif-6714	234	17	business	business	NOUN
ejif-6714	234	18	model	model	NOUN
ejif-6714	234	19	at	at	ADP
ejif-6714	234	20	islamic	islamic	PROPN
ejif-6714	234	21	bank	bank	PROPN
ejif-6714	234	22	»	»	NOUN
ejif-6714	234	23	,	,	PUNCT
ejif-6714	234	24	int	int	NOUN
ejif-6714	234	25	.	.	PUNCT
ejif-6714	235	1	j.	j.	PROPN
ejif-6714	235	2	bus	bus	PROPN
ejif-6714	235	3	.	.	PUNCT
ejif-6714	236	1	manag	manag	PROPN
ejif-6714	236	2	.	.	PUNCT
ejif-6714	237	1	invent	invent	PROPN
ejif-6714	237	2	.	.	PUNCT
ejif-6714	238	1	ijbmi	ijbmi	PROPN
ejif-6714	238	2	,	,	PUNCT
ejif-6714	238	3	vol	vol	NOUN
ejif-6714	238	4	.	.	PROPN
ejif-6714	238	5	5	5	NUM
ejif-6714	238	6	,	,	PUNCT
ejif-6714	238	7	fasc	fasc	PROPN
ejif-6714	238	8	.	.	PROPN
ejif-6714	238	9	2	2	NUM
ejif-6714	238	10	,	,	PUNCT
ejif-6714	238	11	pp	pp	ADJ
ejif-6714	238	12	.	.	PUNCT
ejif-6714	239	1	22–32	22–32	NUM
ejif-6714	239	2	,	,	PUNCT
ejif-6714	239	3	mag	mag	NOUN
ejif-6714	239	4	.	.	PROPN
ejif-6714	239	5	2016	2016	NUM
ejif-6714	239	6	.	.	PUNCT
ejif-6714	240	1	[	[	X
ejif-6714	240	2	12	12	NUM
ejif-6714	240	3	]	]	X
ejif-6714	240	4	l.	l.	PROPN
ejif-6714	240	5	nugroho	nugroho	PROPN
ejif-6714	240	6	,	,	PUNCT
ejif-6714	240	7	n.	n.	PROPN
ejif-6714	240	8	hidayah	hidayah	PROPN
ejif-6714	240	9	,	,	PUNCT
ejif-6714	240	10	a.	a.	PROPN
ejif-6714	240	11	badawi	badawi	PROPN
ejif-6714	240	12	,	,	PUNCT
ejif-6714	240	13	e	e	PROPN
ejif-6714	240	14	a.	a.	PROPN
ejif-6714	240	15	j.	j.	PROPN
ejif-6714	240	16	ali	ali	PROPN
ejif-6714	240	17	,	,	PUNCT
ejif-6714	240	18	«	«	PUNCT
ejif-6714	240	19	socialization	socialization	NOUN
ejif-6714	240	20	of	of	ADP
ejif-6714	240	21	mobile	mobile	ADJ
ejif-6714	240	22	banking	banking	NOUN
ejif-6714	240	23	and	and	CCONJ
ejif-6714	240	24	internet	internet	NOUN
ejif-6714	240	25	banking	banking	NOUN
ejif-6714	240	26	for	for	ADP
ejif-6714	240	27	mikro	mikro	PROPN
ejif-6714	240	28	and	and	CCONJ
ejif-6714	240	29	small	small	ADJ
ejif-6714	240	30	entrepreneur	entrepreneur	NOUN
ejif-6714	240	31	(	(	PUNCT
ejif-6714	240	32	gender	gender	NOUN
ejif-6714	240	33	and	and	CCONJ
ejif-6714	240	34	business	business	NOUN
ejif-6714	240	35	sector	sector	NOUN
ejif-6714	240	36	perspectivekemayoran	perspectivekemayoran	PROPN
ejif-6714	240	37	night	night	PROPN
ejif-6714	240	38	market	market	NOUN
ejif-6714	240	39	community	community	NOUN
ejif-6714	240	40	)	)	PUNCT
ejif-6714	240	41	»	»	NOUN
ejif-6714	240	42	,	,	PUNCT
ejif-6714	240	43	iccd	iccd	NOUN
ejif-6714	240	44	,	,	PUNCT
ejif-6714	240	45	vol	vol	NOUN
ejif-6714	240	46	.	.	PROPN
ejif-6714	240	47	2	2	NUM
ejif-6714	240	48	,	,	PUNCT
ejif-6714	240	49	fasc	fasc	PROPN
ejif-6714	240	50	.	.	PROPN
ejif-6714	240	51	1	1	NUM
ejif-6714	240	52	,	,	PUNCT
ejif-6714	240	53	pp	pp	ADJ
ejif-6714	240	54	.	.	PUNCT
ejif-6714	241	1	419–426	419–426	NUM
ejif-6714	241	2	,	,	PUNCT
ejif-6714	241	3	2019	2019	NUM
ejif-6714	241	4	.	.	PUNCT
ejif-6714	242	1	[	[	X
ejif-6714	242	2	13	13	NUM
ejif-6714	242	3	]	]	PUNCT
ejif-6714	242	4	d.	d.	PROPN
ejif-6714	242	5	karlan	karlan	PROPN
ejif-6714	242	6	e	e	PROPN
ejif-6714	242	7	m.	m.	PROPN
ejif-6714	242	8	valdivia	valdivia	PROPN
ejif-6714	242	9	,	,	PUNCT
ejif-6714	242	10	«	«	PUNCT
ejif-6714	242	11	teaching	teach	VERB
ejif-6714	242	12	entrepreneurship	entrepreneurship	NOUN
ejif-6714	242	13	:	:	PUNCT
ejif-6714	242	14	impact	impact	NOUN
ejif-6714	242	15	of	of	ADP
ejif-6714	242	16	business	business	NOUN
ejif-6714	242	17	training	training	NOUN
ejif-6714	242	18	on	on	ADP
ejif-6714	242	19	microfinance	microfinance	NOUN
ejif-6714	242	20	clients	client	NOUN
ejif-6714	242	21	and	and	CCONJ
ejif-6714	242	22	institutions	institution	NOUN
ejif-6714	242	23	»	»	PUNCT
ejif-6714	242	24	,	,	PUNCT
ejif-6714	242	25	rev	rev	PROPN
ejif-6714	242	26	.	.	PROPN
ejif-6714	242	27	econ	econ	PROPN
ejif-6714	242	28	.	.	PUNCT
ejif-6714	243	1	stat	stat	PROPN
ejif-6714	243	2	.	.	PUNCT
ejif-6714	243	3	,	,	PUNCT
ejif-6714	243	4	vol	vol	NOUN
ejif-6714	243	5	.	.	PROPN
ejif-6714	243	6	93	93	NUM
ejif-6714	243	7	,	,	PUNCT
ejif-6714	243	8	fasc	fasc	PROPN
ejif-6714	243	9	.	.	PROPN
ejif-6714	243	10	2	2	NUM
ejif-6714	243	11	,	,	PUNCT
ejif-6714	243	12	pp	pp	ADJ
ejif-6714	243	13	.	.	PUNCT
ejif-6714	244	1	510	510	NUM
ejif-6714	244	2	–	–	PUNCT
ejif-6714	244	3	527	527	NUM
ejif-6714	244	4	,	,	PUNCT
ejif-6714	244	5	2011	2011	NUM
ejif-6714	244	6	,	,	PUNCT
ejif-6714	244	7	doi	doi	NOUN
ejif-6714	244	8	:	:	PUNCT
ejif-6714	244	9	10.1162	10.1162	NUM
ejif-6714	244	10	/	/	SYM
ejif-6714	244	11	rest_a_00074	rest_a_00074	NOUN
ejif-6714	244	12	.	.	PUNCT
ejif-6714	245	1	[	[	X
ejif-6714	245	2	14	14	NUM
ejif-6714	245	3	]	]	X
ejif-6714	245	4	l.	l.	PROPN
ejif-6714	245	5	nugroho	nugroho	PROPN
ejif-6714	245	6	,	,	PUNCT
ejif-6714	245	7	«	«	PUNCT
ejif-6714	245	8	challenges	challenge	VERB
ejif-6714	245	9	sharia	sharia	PROPN
ejif-6714	245	10	microfinance	microfinance	NOUN
ejif-6714	245	11	institutions	institution	NOUN
ejif-6714	245	12	:	:	PUNCT
ejif-6714	245	13	evidence	evidence	NOUN
ejif-6714	245	14	from	from	ADP
ejif-6714	245	15	indonesia	indonesia	PROPN
ejif-6714	245	16	»	»	NOUN
ejif-6714	245	17	,	,	PUNCT
ejif-6714	245	18	eur	eur	PROPN
ejif-6714	245	19	.	.	PUNCT
ejif-6714	246	1	j.	j.	PROPN
ejif-6714	246	2	islam	islam	PROPN
ejif-6714	246	3	.	.	PUNCT
ejif-6714	247	1	finance	finance	PROPN
ejif-6714	247	2	,	,	PUNCT
ejif-6714	247	3	vol	vol	NOUN
ejif-6714	247	4	.	.	PROPN
ejif-6714	247	5	1	1	NUM
ejif-6714	247	6	,	,	PUNCT
ejif-6714	247	7	pp	pp	ADJ
ejif-6714	247	8	.	.	PUNCT
ejif-6714	248	1	1–6	1–6	NUM
ejif-6714	248	2	,	,	PUNCT
ejif-6714	248	3	2014	2014	NUM
ejif-6714	248	4	.	.	PUNCT
ejif-6714	249	1	[	[	X
ejif-6714	249	2	15	15	NUM
ejif-6714	249	3	]	]	X
ejif-6714	249	4	m.	m.	NOUN
ejif-6714	249	5	albaity	albaity	PROPN
ejif-6714	249	6	e	e	PROPN
ejif-6714	249	7	m.	m.	PROPN
ejif-6714	249	8	rahman	rahman	PROPN
ejif-6714	249	9	,	,	PUNCT
ejif-6714	249	10	«	«	PUNCT
ejif-6714	249	11	the	the	DET
ejif-6714	249	12	intention	intention	NOUN
ejif-6714	249	13	to	to	PART
ejif-6714	249	14	use	use	VERB
ejif-6714	249	15	islamic	islamic	ADJ
ejif-6714	249	16	banking	banking	NOUN
ejif-6714	249	17	:	:	PUNCT
ejif-6714	249	18	an	an	DET
ejif-6714	249	19	exploratory	exploratory	ADJ
ejif-6714	249	20	study	study	NOUN
ejif-6714	249	21	to	to	PART
ejif-6714	249	22	measure	measure	VERB
ejif-6714	249	23	islamic	islamic	ADJ
ejif-6714	249	24	financial	financial	ADJ
ejif-6714	249	25	literacy	literacy	NOUN
ejif-6714	249	26	»	»	NOUN
ejif-6714	249	27	,	,	PUNCT
ejif-6714	249	28	int	int	NOUN
ejif-6714	249	29	.	.	PUNCT
ejif-6714	250	1	j.	j.	PROPN
ejif-6714	250	2	emerg	emerg	PROPN
ejif-6714	250	3	.	.	PUNCT
ejif-6714	251	1	mark	mark	PROPN
ejif-6714	251	2	.	.	PUNCT
ejif-6714	252	1	,	,	PUNCT
ejif-6714	252	2	vol	vol	NOUN
ejif-6714	252	3	.	.	PROPN
ejif-6714	252	4	14	14	NUM
ejif-6714	252	5	,	,	PUNCT
ejif-6714	252	6	fasc	fasc	PROPN
ejif-6714	252	7	.	.	PROPN
ejif-6714	252	8	5	5	NUM
ejif-6714	252	9	,	,	PUNCT
ejif-6714	252	10	pp	pp	ADJ
ejif-6714	252	11	.	.	PUNCT
ejif-6714	253	1	988–1012	988–1012	NUM
ejif-6714	253	2	,	,	PUNCT
ejif-6714	253	3	2019	2019	NUM
ejif-6714	253	4	,	,	PUNCT
ejif-6714	253	5	doi	doi	NOUN
ejif-6714	253	6	:	:	PUNCT
ejif-6714	253	7	10.1108	10.1108	NUM
ejif-6714	253	8	/	/	SYM
ejif-6714	253	9	ijoem-05	ijoem-05	PROPN
ejif-6714	253	10	-	-	PUNCT
ejif-6714	253	11	20180218	20180218	NUM
ejif-6714	253	12	.	.	PUNCT
ejif-6714	254	1	[	[	X
ejif-6714	254	2	16	16	NUM
ejif-6714	254	3	]	]	X
ejif-6714	254	4	f.	f.	PROPN
ejif-6714	254	5	mahliza	mahliza	PROPN
ejif-6714	254	6	,	,	PUNCT
ejif-6714	254	7	l.	l.	PROPN
ejif-6714	254	8	nugroho	nugroho	PROPN
ejif-6714	254	9	,	,	PUNCT
ejif-6714	254	10	e	e	PROPN
ejif-6714	254	11	a.	a.	PROPN
ejif-6714	254	12	j.	j.	PROPN
ejif-6714	254	13	ali	ali	PROPN
ejif-6714	254	14	,	,	PUNCT
ejif-6714	254	15	«	«	PUNCT
ejif-6714	254	16	antecedents	antecedent	NOUN
ejif-6714	254	17	and	and	CCONJ
ejif-6714	254	18	consequences	consequence	NOUN
ejif-6714	254	19	of	of	ADP
ejif-6714	254	20	muslim	muslim	ADJ
ejif-6714	254	21	millennials	millennial	NOUN
ejif-6714	254	22	attitude	attitude	NOUN
ejif-6714	254	23	towards	towards	ADP
ejif-6714	254	24	halal	halal	PROPN
ejif-6714	254	25	personal	personal	ADJ
ejif-6714	254	26	care	care	NOUN
ejif-6714	254	27	products	product	NOUN
ejif-6714	254	28	»	»	NOUN
ejif-6714	254	29	,	,	PUNCT
ejif-6714	254	30	ikonomika	ikonomika	NOUN
ejif-6714	254	31	,	,	PUNCT
ejif-6714	254	32	vol	vol	NOUN
ejif-6714	254	33	.	.	PROPN
ejif-6714	254	34	5	5	NUM
ejif-6714	254	35	,	,	PUNCT
ejif-6714	254	36	fasc	fasc	PROPN
ejif-6714	254	37	.	.	PROPN
ejif-6714	254	38	2	2	NUM
ejif-6714	254	39	,	,	PUNCT
ejif-6714	254	40	pp	pp	ADJ
ejif-6714	254	41	.	.	PUNCT
ejif-6714	255	1	249–270	249–270	NUM
ejif-6714	255	2	,	,	PUNCT
ejif-6714	255	3	2020	2020	NUM
ejif-6714	255	4	,	,	PUNCT
ejif-6714	255	5	doi	doi	NOUN
ejif-6714	255	6	:	:	PUNCT
ejif-6714	255	7	10.24042	10.24042	NUM
ejif-6714	255	8	/	/	SYM
ejif-6714	255	9	febi.v5i2.7203	febi.v5i2.7203	PUNCT
ejif-6714	255	10	.	.	PUNCT
ejif-6714	256	1	[	[	X
ejif-6714	256	2	17	17	NUM
ejif-6714	256	3	]	]	PUNCT
ejif-6714	256	4	l.	l.	PROPN
ejif-6714	256	5	j.	j.	PROPN
ejif-6714	256	6	bergsma	bergsma	PROPN
ejif-6714	256	7	,	,	PUNCT
ejif-6714	256	8	«	«	PUNCT
ejif-6714	256	9	empowerment	empowerment	ADJ
ejif-6714	256	10	education	education	NOUN
ejif-6714	256	11	:	:	PUNCT
ejif-6714	256	12	the	the	DET
ejif-6714	256	13	link	link	NOUN
ejif-6714	256	14	between	between	ADP
ejif-6714	256	15	media	medium	NOUN
ejif-6714	256	16	literacy	literacy	NOUN
ejif-6714	256	17	and	and	CCONJ
ejif-6714	256	18	health	health	NOUN
ejif-6714	256	19	promotion	promotion	NOUN
ejif-6714	256	20	»	»	NOUN
ejif-6714	256	21	,	,	PUNCT
ejif-6714	256	22	am	be	AUX
ejif-6714	256	23	.	.	PUNCT
ejif-6714	256	24	behav	behav	PROPN
ejif-6714	256	25	.	.	PUNCT
ejif-6714	257	1	sci	sci	PROPN
ejif-6714	257	2	.	.	PROPN
ejif-6714	257	3	,	,	PUNCT
ejif-6714	257	4	vol	vol	NOUN
ejif-6714	257	5	.	.	PROPN
ejif-6714	257	6	48	48	NUM
ejif-6714	257	7	,	,	PUNCT
ejif-6714	257	8	fasc	fasc	PROPN
ejif-6714	257	9	.	.	PROPN
ejif-6714	257	10	2	2	NUM
ejif-6714	257	11	,	,	PUNCT
ejif-6714	257	12	pp	pp	ADJ
ejif-6714	257	13	.	.	PUNCT
ejif-6714	258	1	152–164	152–164	NUM
ejif-6714	258	2	,	,	PUNCT
ejif-6714	258	3	2004	2004	NUM
ejif-6714	258	4	,	,	PUNCT
ejif-6714	258	5	doi	doi	NOUN
ejif-6714	258	6	:	:	PUNCT
ejif-6714	258	7	10.1177/0002764204267259	10.1177/0002764204267259	NUM
ejif-6714	258	8	.	.	PUNCT
ejif-6714	259	1	[	[	X
ejif-6714	259	2	18	18	NUM
ejif-6714	259	3	]	]	PUNCT
ejif-6714	259	4	a.	a.	NOUN
ejif-6714	259	5	g.	g.	PROPN
ejif-6714	259	6	ayayi	ayayi	PROPN
ejif-6714	259	7	e	e	PROPN
ejif-6714	259	8	m.	m.	NOUN
ejif-6714	259	9	sene	sene	PROPN
ejif-6714	259	10	,	,	PUNCT
ejif-6714	259	11	«	«	PUNCT
ejif-6714	259	12	what	what	PRON
ejif-6714	259	13	drives	drive	VERB
ejif-6714	259	14	microfinance	microfinance	NOUN
ejif-6714	259	15	institution	institution	NOUN
ejif-6714	259	16	’s	’s	PART
ejif-6714	259	17	financial	financial	ADJ
ejif-6714	259	18	sustainability	sustainability	NOUN
ejif-6714	259	19	»	»	NOUN
ejif-6714	259	20	,	,	PUNCT
ejif-6714	259	21	j.	j.	PROPN
ejif-6714	259	22	dev	dev	PROPN
ejif-6714	259	23	.	.	PUNCT
ejif-6714	260	1	areas	area	NOUN
ejif-6714	260	2	,	,	PUNCT
ejif-6714	260	3	vol	vol	NOUN
ejif-6714	260	4	.	.	PROPN
ejif-6714	260	5	44	44	NUM
ejif-6714	260	6	,	,	PUNCT
ejif-6714	260	7	fasc	fasc	PROPN
ejif-6714	260	8	.	.	PROPN
ejif-6714	260	9	1	1	NUM
ejif-6714	260	10	,	,	PUNCT
ejif-6714	260	11	pp	pp	ADJ
ejif-6714	260	12	.	.	PUNCT
ejif-6714	261	1	303–324	303–324	NUM
ejif-6714	261	2	,	,	PUNCT
ejif-6714	261	3	2010	2010	NUM
ejif-6714	261	4	.	.	PUNCT
ejif-6714	262	1	[	[	X
ejif-6714	262	2	19	19	NUM
ejif-6714	262	3	]	]	X
ejif-6714	262	4	l.	l.	PROPN
ejif-6714	262	5	nugroho	nugroho	PROPN
ejif-6714	262	6	e	e	PROPN
ejif-6714	262	7	a.	a.	PROPN
ejif-6714	262	8	malik	malik	PROPN
ejif-6714	262	9	,	,	PUNCT
ejif-6714	262	10	«	«	PUNCT
ejif-6714	262	11	determinasi	determinasi	ADJ
ejif-6714	262	12	kualitas	kualitas	PROPN
ejif-6714	262	13	kredit	kredit	PROPN
ejif-6714	262	14	kepemilikan	kepemilikan	PROPN
ejif-6714	262	15	rumah	rumah	PROPN
ejif-6714	262	16	(	(	PUNCT
ejif-6714	262	17	kpr	kpr	PROPN
ejif-6714	262	18	)	)	PUNCT
ejif-6714	262	19	berdasarkan	berdasarkan	PROPN
ejif-6714	262	20	perspektif	perspektif	PROPN
ejif-6714	262	21	sumber	sumber	PROPN
ejif-6714	262	22	angsuran	angsuran	PROPN
ejif-6714	262	23	dan	dan	PROPN
ejif-6714	262	24	rasio	rasio	PROPN
ejif-6714	262	25	fraud	fraud	PROPN
ejif-6714	262	26	account	account	NOUN
ejif-6714	262	27	officer	officer	NOUN
ejif-6714	262	28	»	»	NOUN
ejif-6714	262	29	,	,	PUNCT
ejif-6714	262	30	moneter	moneter	NOUN
ejif-6714	262	31	,	,	PUNCT
ejif-6714	262	32	vol	vol	NOUN
ejif-6714	262	33	.	.	PROPN
ejif-6714	262	34	7	7	NUM
ejif-6714	262	35	,	,	PUNCT
ejif-6714	262	36	fasc	fasc	PROPN
ejif-6714	262	37	.	.	PROPN
ejif-6714	262	38	1	1	NUM
ejif-6714	262	39	,	,	PUNCT
ejif-6714	262	40	pp	pp	ADJ
ejif-6714	262	41	.	.	PUNCT
ejif-6714	263	1	71–79	71–79	ADV
ejif-6714	263	2	,	,	PUNCT
ejif-6714	263	3	2020	2020	NUM
ejif-6714	263	4	.	.	PUNCT
ejif-6714	264	1	[	[	X
ejif-6714	264	2	20	20	NUM
ejif-6714	264	3	]	]	X
ejif-6714	264	4	l.	l.	PROPN
ejif-6714	264	5	nugroho	nugroho	PROPN
ejif-6714	264	6	,	,	PUNCT
ejif-6714	264	7	w.	w.	PROPN
ejif-6714	264	8	villaroel	villaroel	PROPN
ejif-6714	264	9	,	,	PUNCT
ejif-6714	264	10	e	e	PROPN
ejif-6714	264	11	w.	w.	PROPN
ejif-6714	264	12	utami	utami	PROPN
ejif-6714	264	13	,	,	PUNCT
ejif-6714	264	14	«	«	PUNCT
ejif-6714	264	15	the	the	DET
ejif-6714	264	16	challenges	challenge	NOUN
ejif-6714	264	17	of	of	ADP
ejif-6714	264	18	bad	bad	ADJ
ejif-6714	264	19	debt	debt	NOUN
ejif-6714	264	20	monitoring	monitoring	NOUN
ejif-6714	264	21	practices	practice	NOUN
ejif-6714	264	22	in	in	ADP
ejif-6714	264	23	islamic	islamic	PROPN
ejif-6714	264	24	micro	micro	PROPN
ejif-6714	264	25	banking	banking	PROPN
ejif-6714	264	26	»	»	NOUN
ejif-6714	264	27	,	,	PUNCT
ejif-6714	264	28	eur	eur	PROPN
ejif-6714	264	29	.	.	PUNCT
ejif-6714	265	1	j.	j.	PROPN
ejif-6714	265	2	islam	islam	PROPN
ejif-6714	265	3	.	.	PUNCT
ejif-6714	266	1	finance	finance	PROPN
ejif-6714	266	2	,	,	PUNCT
ejif-6714	266	3	vol	vol	NOUN
ejif-6714	266	4	.	.	PROPN
ejif-6714	266	5	11	11	NUM
ejif-6714	266	6	,	,	PUNCT
ejif-6714	266	7	pp	pp	PROPN
ejif-6714	266	8	.	.	PUNCT
ejif-6714	267	1	1–11	1–11	NOUN
ejif-6714	267	2	,	,	PUNCT
ejif-6714	267	3	2018	2018	NUM
ejif-6714	267	4	.	.	PUNCT
ejif-6714	268	1	[	[	X
ejif-6714	268	2	21	21	NUM
ejif-6714	268	3	]	]	X
ejif-6714	268	4	h.	h.	PROPN
ejif-6714	268	5	bester	bester	PROPN
ejif-6714	268	6	,	,	PUNCT
ejif-6714	268	7	«	«	PUNCT
ejif-6714	268	8	screening	screen	VERB
ejif-6714	268	9	vs	vs	ADP
ejif-6714	268	10	.	.	PUNCT
ejif-6714	269	1	rationing	ration	VERB
ejif-6714	269	2	in	in	ADP
ejif-6714	269	3	credit	credit	NOUN
ejif-6714	269	4	markets	market	NOUN
ejif-6714	269	5	with	with	ADP
ejif-6714	269	6	imperfect	imperfect	ADJ
ejif-6714	269	7	information	information	NOUN
ejif-6714	269	8	»	»	NOUN
ejif-6714	269	9	,	,	PUNCT
ejif-6714	269	10	am	be	AUX
ejif-6714	269	11	.	.	PUNCT
ejif-6714	270	1	econ	econ	PROPN
ejif-6714	270	2	.	.	PUNCT
ejif-6714	271	1	rev	rev	PROPN
ejif-6714	271	2	.	.	PROPN
ejif-6714	271	3	,	,	PUNCT
ejif-6714	271	4	vol	vol	NOUN
ejif-6714	271	5	.	.	PROPN
ejif-6714	272	1	75	75	NUM
ejif-6714	272	2	,	,	PUNCT
ejif-6714	272	3	fasc	fasc	PROPN
ejif-6714	272	4	.	.	PROPN
ejif-6714	272	5	4	4	NUM
ejif-6714	272	6	,	,	PUNCT
ejif-6714	272	7	pp	pp	ADJ
ejif-6714	272	8	.	.	PUNCT
ejif-6714	273	1	850–855	850–855	NUM
ejif-6714	273	2	,	,	PUNCT
ejif-6714	273	3	2016	2016	NUM
ejif-6714	273	4	.	.	PUNCT
ejif-6714	274	1	[	[	X
ejif-6714	274	2	22	22	NUM
ejif-6714	274	3	]	]	X
ejif-6714	274	4	s.	s.	PROPN
ejif-6714	274	5	soekapdjo	soekapdjo	PROPN
ejif-6714	274	6	,	,	PUNCT
ejif-6714	274	7	l.	l.	PROPN
ejif-6714	274	8	nugroho	nugroho	PROPN
ejif-6714	274	9	,	,	PUNCT
ejif-6714	274	10	a.	a.	PROPN
ejif-6714	274	11	badawi	badawi	PROPN
ejif-6714	274	12	,	,	PUNCT
ejif-6714	274	13	e	e	PROPN
ejif-6714	274	14	w.	w.	PROPN
ejif-6714	274	15	utami	utami	PROPN
ejif-6714	274	16	,	,	PUNCT
ejif-6714	274	17	«	«	PUNCT
ejif-6714	274	18	bad	bad	ADJ
ejif-6714	274	19	debt	debt	NOUN
ejif-6714	274	20	issues	issue	NOUN
ejif-6714	274	21	in	in	ADP
ejif-6714	274	22	islamic	islamic	PROPN
ejif-6714	274	23	bank	bank	PROPN
ejif-6714	274	24	:	:	PUNCT
ejif-6714	274	25	macro	macro	NOUN
ejif-6714	274	26	and	and	CCONJ
ejif-6714	274	27	micro	micro	ADJ
ejif-6714	274	28	influencing	influence	VERB
ejif-6714	274	29	(	(	PUNCT
ejif-6714	274	30	indonesia	indonesia	PROPN
ejif-6714	274	31	cases	case	NOUN
ejif-6714	274	32	)	)	PUNCT
ejif-6714	274	33	»	»	NOUN
ejif-6714	274	34	,	,	PUNCT
ejif-6714	274	35	int	int	PROPN
ejif-6714	274	36	.	.	PUNCT
ejif-6714	275	1	j.	j.	PROPN
ejif-6714	275	2	commer	commer	PROPN
ejif-6714	275	3	.	.	PUNCT
ejif-6714	275	4	finance	finance	PROPN
ejif-6714	275	5	,	,	PUNCT
ejif-6714	275	6	vol	vol	NOUN
ejif-6714	275	7	.	.	PROPN
ejif-6714	275	8	4	4	NUM
ejif-6714	275	9	,	,	PUNCT
ejif-6714	275	10	fasc	fasc	PROPN
ejif-6714	275	11	.	.	PROPN
ejif-6714	275	12	1	1	NUM
ejif-6714	275	13	,	,	PUNCT
ejif-6714	275	14	pp	pp	ADJ
ejif-6714	275	15	.	.	PUNCT
ejif-6714	275	16	10–26	10–26	NUM
ejif-6714	275	17	,	,	PUNCT
ejif-6714	275	18	2018	2018	NUM
ejif-6714	275	19	.	.	PUNCT
ejif-6714	276	1	[	[	X
ejif-6714	276	2	23	23	NUM
ejif-6714	276	3	]	]	PUNCT
ejif-6714	276	4	j.	j.	PROPN
ejif-6714	276	5	kandampully	kandampully	PROPN
ejif-6714	276	6	,	,	PUNCT
ejif-6714	276	7	«	«	PUNCT
ejif-6714	276	8	innovation	innovation	NOUN
ejif-6714	276	9	as	as	ADP
ejif-6714	276	10	the	the	DET
ejif-6714	276	11	core	core	NOUN
ejif-6714	276	12	competency	competency	NOUN
ejif-6714	276	13	of	of	ADP
ejif-6714	276	14	a	a	DET
ejif-6714	276	15	service	service	NOUN
ejif-6714	276	16	organisation	organisation	NOUN
ejif-6714	276	17	:	:	PUNCT
ejif-6714	276	18	the	the	DET
ejif-6714	276	19	role	role	NOUN
ejif-6714	276	20	of	of	ADP
ejif-6714	276	21	technology	technology	NOUN
ejif-6714	276	22	,	,	PUNCT
ejif-6714	276	23	knowledge	knowledge	NOUN
ejif-6714	276	24	and	and	CCONJ
ejif-6714	276	25	networks	network	NOUN
ejif-6714	276	26	»	»	PUNCT
ejif-6714	276	27	,	,	PUNCT
ejif-6714	276	28	eur	eur	PROPN
ejif-6714	276	29	.	.	PUNCT
ejif-6714	276	30	j.	j.	PROPN
ejif-6714	276	31	innov	innov	PROPN
ejif-6714	276	32	.	.	PUNCT
ejif-6714	277	1	manag	manag	PROPN
ejif-6714	277	2	.	.	PUNCT
ejif-6714	277	3	,	,	PUNCT
ejif-6714	277	4	vol	vol	NOUN
ejif-6714	277	5	.	.	PROPN
ejif-6714	277	6	5	5	NUM
ejif-6714	277	7	,	,	PUNCT
ejif-6714	277	8	fasc	fasc	PROPN
ejif-6714	277	9	.	.	PROPN
ejif-6714	277	10	1	1	NUM
ejif-6714	277	11	,	,	PUNCT
ejif-6714	277	12	pp	pp	ADJ
ejif-6714	277	13	.	.	PUNCT
ejif-6714	278	1	18–26	18–26	NUM
ejif-6714	278	2	,	,	PUNCT
ejif-6714	278	3	2002	2002	NUM
ejif-6714	278	4	,	,	PUNCT
ejif-6714	278	5	doi	doi	NOUN
ejif-6714	278	6	:	:	PUNCT
ejif-6714	278	7	10.1108/14601060210415144	10.1108/14601060210415144	NUM
ejif-6714	278	8	.	.	PUNCT
ejif-6714	279	1	[	[	X
ejif-6714	279	2	24	24	NUM
ejif-6714	279	3	]	]	PUNCT
ejif-6714	279	4	m.	m.	NOUN
ejif-6714	279	5	jensen	jensen	PROPN
ejif-6714	279	6	e	e	PROPN
ejif-6714	279	7	w.	w.	PROPN
ejif-6714	279	8	meckling	meckling	PROPN
ejif-6714	279	9	,	,	PUNCT
ejif-6714	279	10	«	«	PUNCT
ejif-6714	279	11	theory	theory	NOUN
ejif-6714	279	12	of	of	ADP
ejif-6714	279	13	the	the	DET
ejif-6714	279	14	firm	firm	NOUN
ejif-6714	279	15	:	:	PUNCT
ejif-6714	279	16	managerial	managerial	ADJ
ejif-6714	279	17	behaviour	behaviour	NOUN
ejif-6714	279	18	,	,	PUNCT
ejif-6714	279	19	agency	agency	NOUN
ejif-6714	279	20	costs	cost	NOUN
ejif-6714	279	21	and	and	CCONJ
ejif-6714	279	22	ownership	ownership	NOUN
ejif-6714	279	23	»	»	NOUN
ejif-6714	279	24	,	,	PUNCT
ejif-6714	279	25	strateg	strateg	NOUN
ejif-6714	279	26	.	.	PUNCT
ejif-6714	280	1	manag	manag	PROPN
ejif-6714	280	2	.	.	PUNCT
ejif-6714	281	1	j.	j.	PROPN
ejif-6714	281	2	,	,	PUNCT
ejif-6714	281	3	vol	vol	NOUN
ejif-6714	281	4	.	.	PROPN
ejif-6714	281	5	21	21	NUM
ejif-6714	281	6	,	,	PUNCT
ejif-6714	281	7	fasc	fasc	PROPN
ejif-6714	281	8	.	.	PROPN
ejif-6714	281	9	4	4	NUM
ejif-6714	281	10	,	,	PUNCT
ejif-6714	281	11	pp	pp	ADJ
ejif-6714	281	12	.	.	PUNCT
ejif-6714	281	13	1215–1224	1215–1224	NUM
ejif-6714	281	14	,	,	PUNCT
ejif-6714	281	15	1976	1976	NUM
ejif-6714	281	16	.	.	PUNCT
ejif-6714	282	1	[	[	X
ejif-6714	282	2	25	25	NUM
ejif-6714	282	3	]	]	PUNCT
ejif-6714	282	4	m.	m.	PROPN
ejif-6714	282	5	e.	e.	PROPN
ejif-6714	282	6	lubis	lubis	PROPN
ejif-6714	282	7	e	e	PROPN
ejif-6714	282	8	a.	a.	NOUN
ejif-6714	282	9	soemitra	soemitra	PROPN
ejif-6714	282	10	,	,	PUNCT
ejif-6714	282	11	«	«	PUNCT
ejif-6714	282	12	impact	impact	NOUN
ejif-6714	282	13	of	of	ADP
ejif-6714	282	14	dual	dual	ADJ
ejif-6714	282	15	banking	banking	NOUN
ejif-6714	282	16	system	system	NOUN
ejif-6714	282	17	on	on	ADP
ejif-6714	282	18	financial	financial	ADJ
ejif-6714	282	19	performance	performance	NOUN
ejif-6714	282	20	sharia	sharia	PROPN
ejif-6714	282	21	bank	bank	PROPN
ejif-6714	282	22	in	in	ADP
ejif-6714	282	23	indonesia	indonesia	PROPN
ejif-6714	282	24	:	:	PUNCT
ejif-6714	282	25	study	study	NOUN
ejif-6714	282	26	of	of	ADP
ejif-6714	282	27	literature	literature	NOUN
ejif-6714	282	28	and	and	CCONJ
ejif-6714	282	29	perspectives	perspective	NOUN
ejif-6714	282	30	of	of	ADP
ejif-6714	282	31	postgraduate	postgraduate	ADJ
ejif-6714	282	32	students	student	NOUN
ejif-6714	282	33	in	in	ADP
ejif-6714	282	34	sharia	sharia	PROPN
ejif-6714	282	35	economy	economy	NOUN
ejif-6714	282	36	»	»	NOUN
ejif-6714	282	37	,	,	PUNCT
ejif-6714	282	38	int	int	PROPN
ejif-6714	282	39	.	.	PUNCT
ejif-6714	283	1	j.	j.	PROPN
ejif-6714	283	2	cult	cult	PROPN
ejif-6714	283	3	.	.	PUNCT
ejif-6714	284	1	soc	soc	PROPN
ejif-6714	284	2	.	.	PUNCT
ejif-6714	285	1	sci	sci	PROPN
ejif-6714	285	2	.	.	PROPN
ejif-6714	285	3	,	,	PUNCT
ejif-6714	285	4	vol	vol	NOUN
ejif-6714	285	5	.	.	PROPN
ejif-6714	285	6	3	3	NUM
ejif-6714	285	7	,	,	PUNCT
ejif-6714	285	8	fasc	fasc	PROPN
ejif-6714	285	9	.	.	PROPN
ejif-6714	285	10	2	2	NUM
ejif-6714	285	11	,	,	PUNCT
ejif-6714	285	12	pp	pp	ADJ
ejif-6714	285	13	.	.	PUNCT
ejif-6714	286	1	168–176	168–176	NUM
ejif-6714	286	2	,	,	PUNCT
ejif-6714	286	3	2022	2022	NUM
ejif-6714	286	4	.	.	PUNCT
ejif-6714	287	1	[	[	X
ejif-6714	287	2	26	26	NUM
ejif-6714	287	3	]	]	X
ejif-6714	287	4	e.	e.	PROPN
ejif-6714	287	5	kastratovic	kastratovic	PROPN
ejif-6714	287	6	,	,	PUNCT
ejif-6714	287	7	m.	m.	NOUN
ejif-6714	287	8	kalicanin	kalicanin	PROPN
ejif-6714	287	9	,	,	PUNCT
ejif-6714	287	10	e	e	PROPN
ejif-6714	287	11	z.	z.	PROPN
ejif-6714	287	12	kalicanin	kalicanin	PROPN
ejif-6714	287	13	,	,	PUNCT
ejif-6714	287	14	«	«	PUNCT
ejif-6714	287	15	features	feature	NOUN
ejif-6714	287	16	of	of	ADP
ejif-6714	287	17	cash	cash	NOUN
ejif-6714	287	18	flow	flow	NOUN
ejif-6714	287	19	compared	compare	VERB
ejif-6714	287	20	to	to	ADP
ejif-6714	287	21	profit	profit	VERB
ejif-6714	287	22	»	»	NOUN
ejif-6714	287	23	,	,	PUNCT
ejif-6714	287	24	int	int	PROPN
ejif-6714	287	25	.	.	PUNCT
ejif-6714	287	26	rev	rev	PROPN
ejif-6714	287	27	.	.	PROPN
ejif-6714	287	28	,	,	PUNCT
ejif-6714	287	29	fasc	fasc	PROPN
ejif-6714	287	30	.	.	PROPN
ejif-6714	288	1	3–4	3–4	NUM
ejif-6714	288	2	,	,	PUNCT
ejif-6714	288	3	pp	pp	ADJ
ejif-6714	288	4	.	.	PUNCT
ejif-6714	289	1	50–56	50–56	NUM
ejif-6714	289	2	,	,	PUNCT
ejif-6714	289	3	2017	2017	NUM
ejif-6714	289	4	,	,	PUNCT
ejif-6714	289	5	doi	doi	NOUN
ejif-6714	289	6	:	:	PUNCT
ejif-6714	289	7	10.5937	10.5937	NUM
ejif-6714	289	8	/	/	SYM
ejif-6714	289	9	intrev1704050k	intrev1704050k	NOUN
ejif-6714	289	10	.	.	PUNCT
ejif-6714	290	1	[	[	X
ejif-6714	290	2	27	27	NUM
ejif-6714	290	3	]	]	X
ejif-6714	290	4	i.	i.	PROPN
ejif-6714	290	5	supriani	supriani	PROPN
ejif-6714	290	6	,	,	PUNCT
ejif-6714	290	7	b.	b.	PROPN
ejif-6714	290	8	a.	a.	NOUN
ejif-6714	290	9	fianto	fianto	PROPN
ejif-6714	290	10	,	,	PUNCT
ejif-6714	290	11	n.	n.	PROPN
ejif-6714	290	12	n.	n.	PROPN
ejif-6714	290	13	fauziah	fauziah	PROPN
ejif-6714	290	14	,	,	PUNCT
ejif-6714	290	15	e	e	PROPN
ejif-6714	290	16	r.	r.	PROPN
ejif-6714	290	17	r.	r.	PROPN
ejif-6714	290	18	maulayati	maulayati	PROPN
ejif-6714	290	19	,	,	PUNCT
ejif-6714	290	20	«	«	PUNCT
ejif-6714	290	21	revisiting	revisit	VERB
ejif-6714	290	22	the	the	DET
ejif-6714	290	23	contribution	contribution	NOUN
ejif-6714	290	24	of	of	ADP
ejif-6714	290	25	islamic	islamic	ADJ
ejif-6714	290	26	banks	bank	NOUN
ejif-6714	290	27	’	’	PART
ejif-6714	290	28	financing	financing	NOUN
ejif-6714	290	29	to	to	ADP
ejif-6714	290	30	economic	economic	ADJ
ejif-6714	290	31	growth	growth	NOUN
ejif-6714	290	32	:	:	PUNCT
ejif-6714	290	33	the	the	DET
ejif-6714	290	34	indonesian	indonesian	ADJ
ejif-6714	290	35	experience	experience	NOUN
ejif-6714	290	36	»	»	PUNCT
ejif-6714	290	37	,	,	PUNCT
ejif-6714	290	38	shirkah	shirkah	PROPN
ejif-6714	290	39	j.	j.	PROPN
ejif-6714	290	40	econ	econ	PROPN
ejif-6714	290	41	.	.	PUNCT
ejif-6714	291	1	bus	bus	PROPN
ejif-6714	291	2	.	.	PUNCT
ejif-6714	291	3	,	,	PUNCT
ejif-6714	291	4	vol	vol	NOUN
ejif-6714	291	5	.	.	PROPN
ejif-6714	291	6	6	6	NUM
ejif-6714	291	7	,	,	PUNCT
ejif-6714	291	8	fasc	fasc	PROPN
ejif-6714	291	9	.	.	PROPN
ejif-6714	291	10	1	1	NUM
ejif-6714	291	11	,	,	PUNCT
ejif-6714	291	12	pp	pp	ADJ
ejif-6714	291	13	.	.	PUNCT
ejif-6714	292	1	18–37	18–37	NUM
ejif-6714	292	2	,	,	PUNCT
ejif-6714	292	3	2021	2021	NUM
ejif-6714	292	4	,	,	PUNCT
ejif-6714	292	5	doi	doi	NOUN
ejif-6714	292	6	:	:	PUNCT
ejif-6714	292	7	10.22515	10.22515	NUM
ejif-6714	292	8	/	/	SYM
ejif-6714	292	9	shirkah.v6i1.383	shirkah.v6i1.383	PROPN
ejif-6714	292	10	.	.	PUNCT
ejif-6714	293	1	[	[	X
ejif-6714	293	2	28	28	NUM
ejif-6714	293	3	]	]	X
ejif-6714	293	4	a.	a.	NOUN
ejif-6714	293	5	wajdi	wajdi	PROPN
ejif-6714	293	6	dusuki	dusuki	PROPN
ejif-6714	293	7	,	,	PUNCT
ejif-6714	293	8	«	«	PUNCT
ejif-6714	293	9	banking	banking	NOUN
ejif-6714	293	10	for	for	ADP
ejif-6714	293	11	the	the	DET
ejif-6714	293	12	poor	poor	ADJ
ejif-6714	293	13	:	:	PUNCT
ejif-6714	293	14	the	the	DET
ejif-6714	293	15	role	role	NOUN
ejif-6714	293	16	of	of	ADP
ejif-6714	293	17	islamic	islamic	ADJ
ejif-6714	293	18	babking	babking	NOUN
ejif-6714	293	19	in	in	ADP
ejif-6714	293	20	microfinance	microfinance	NOUN
ejif-6714	293	21	initiatives	initiative	NOUN
ejif-6714	293	22	»	»	NOUN
ejif-6714	293	23	,	,	PUNCT
ejif-6714	293	24	humanomics	humanomic	NOUN
ejif-6714	293	25	,	,	PUNCT
ejif-6714	293	26	vol	vol	NOUN
ejif-6714	293	27	.	.	PROPN
ejif-6714	293	28	24	24	NUM
ejif-6714	293	29	,	,	PUNCT
ejif-6714	293	30	fasc	fasc	PROPN
ejif-6714	293	31	.	.	PROPN
ejif-6714	293	32	1	1	NUM
ejif-6714	293	33	,	,	PUNCT
ejif-6714	293	34	pp	pp	ADJ
ejif-6714	293	35	.	.	PUNCT
ejif-6714	294	1	49–66	49–66	NUM
ejif-6714	294	2	,	,	PUNCT
ejif-6714	294	3	2008	2008	NUM
ejif-6714	294	4	.	.	PUNCT
ejif-6714	295	1	[	[	X
ejif-6714	295	2	29	29	NUM
ejif-6714	295	3	]	]	X
ejif-6714	295	4	i.	i.	PROPN
ejif-6714	295	5	a.	a.	PROPN
ejif-6714	295	6	aramburu	aramburu	PROPN
ejif-6714	295	7	e	e	PROPN
ejif-6714	295	8	i.	i.	PROPN
ejif-6714	295	9	g.	g.	PROPN
ejif-6714	295	10	pescador	pescador	PROPN
ejif-6714	295	11	,	,	PUNCT
ejif-6714	295	12	«	«	PUNCT
ejif-6714	295	13	the	the	DET
ejif-6714	295	14	effects	effect	NOUN
ejif-6714	295	15	of	of	ADP
ejif-6714	295	16	corporate	corporate	ADJ
ejif-6714	295	17	social	social	ADJ
ejif-6714	295	18	responsibility	responsibility	NOUN
ejif-6714	295	19	on	on	ADP
ejif-6714	295	20	customer	customer	NOUN
ejif-6714	295	21	loyalty	loyalty	NOUN
ejif-6714	295	22	:	:	PUNCT
ejif-6714	295	23	the	the	DET
ejif-6714	295	24	mediating	mediate	VERB
ejif-6714	295	25	effect	effect	NOUN
ejif-6714	295	26	of	of	ADP
ejif-6714	295	27	reputation	reputation	NOUN
ejif-6714	295	28	in	in	ADP
ejif-6714	295	29	cooperative	cooperative	ADJ
ejif-6714	295	30	banks	bank	NOUN
ejif-6714	295	31	versus	versus	ADP
ejif-6714	295	32	commercial	commercial	ADJ
ejif-6714	295	33	banks	bank	NOUN
ejif-6714	295	34	in	in	ADP
ejif-6714	295	35	the	the	DET
ejif-6714	295	36	basque	basque	ADJ
ejif-6714	295	37	country	country	NOUN
ejif-6714	295	38	»	»	NOUN
ejif-6714	295	39	,	,	PUNCT
ejif-6714	295	40	j.	j.	PROPN
ejif-6714	295	41	bus	bus	PROPN
ejif-6714	295	42	.	.	PUNCT
ejif-6714	296	1	ethics	ethic	NOUN
ejif-6714	296	2	,	,	PUNCT
ejif-6714	296	3	vol	vol	NOUN
ejif-6714	296	4	.	.	PROPN
ejif-6714	296	5	154	154	NUM
ejif-6714	296	6	,	,	PUNCT
ejif-6714	296	7	fasc	fasc	PROPN
ejif-6714	296	8	.	.	PROPN
ejif-6714	296	9	3	3	NUM
ejif-6714	296	10	,	,	PUNCT
ejif-6714	296	11	pp	pp	ADJ
ejif-6714	296	12	.	.	PUNCT
ejif-6714	297	1	701–719	701–719	NUM
ejif-6714	297	2	,	,	PUNCT
ejif-6714	297	3	2019	2019	NUM
ejif-6714	297	4	,	,	PUNCT
ejif-6714	297	5	doi	doi	NOUN
ejif-6714	297	6	:	:	PUNCT
ejif-6714	297	7	10.1007	10.1007	NUM
ejif-6714	297	8	/	/	SYM
ejif-6714	297	9	s10551	s10551	NOUN
ejif-6714	297	10	-	-	PUNCT
ejif-6714	297	11	017	017	NUM
ejif-6714	297	12	-	-	PUNCT
ejif-6714	297	13	3438	3438	NUM
ejif-6714	297	14	-	-	SYM
ejif-6714	297	15	1	1	NUM
ejif-6714	297	16	.	.	PUNCT
ejif-6714	298	1	[	[	X
ejif-6714	298	2	30	30	NUM
ejif-6714	298	3	]	]	PUNCT
ejif-6714	298	4	m.	m.	NOUN
ejif-6714	298	5	knell	knell	PROPN
ejif-6714	298	6	e	e	PROPN
ejif-6714	298	7	h.	h.	PROPN
ejif-6714	298	8	stix	stix	PROPN
ejif-6714	298	9	,	,	PUNCT
ejif-6714	298	10	«	«	PUNCT
ejif-6714	298	11	trust	trust	NOUN
ejif-6714	298	12	in	in	ADP
ejif-6714	298	13	banks	bank	NOUN
ejif-6714	298	14	during	during	ADP
ejif-6714	298	15	normal	normal	ADJ
ejif-6714	298	16	and	and	CCONJ
ejif-6714	298	17	crisis	crisis	NOUN
ejif-6714	298	18	times	time	NOUN
ejif-6714	298	19	—	—	PUNCT
ejif-6714	298	20	evidence	evidence	NOUN
ejif-6714	298	21	from	from	ADP
ejif-6714	298	22	survey	survey	NOUN
ejif-6714	298	23	data	datum	NOUN
ejif-6714	298	24	»	»	NOUN
ejif-6714	298	25	,	,	PUNCT
ejif-6714	298	26	economica	economica	PROPN
ejif-6714	298	27	,	,	PUNCT
ejif-6714	298	28	vol	vol	NOUN
ejif-6714	298	29	.	.	PROPN
ejif-6714	298	30	82	82	NUM
ejif-6714	298	31	,	,	PUNCT
ejif-6714	298	32	fasc	fasc	PROPN
ejif-6714	298	33	.	.	PROPN
ejif-6714	298	34	december	december	PROPN
ejif-6714	298	35	2015	2015	NUM
ejif-6714	298	36	,	,	PUNCT
ejif-6714	298	37	pp	pp	ADJ
ejif-6714	298	38	.	.	PUNCT
ejif-6714	299	1	995	995	NUM
ejif-6714	299	2	–	–	PUNCT
ejif-6714	299	3	1020	1020	NUM
ejif-6714	299	4	,	,	PUNCT
ejif-6714	299	5	2022	2022	NUM
ejif-6714	299	6	.	.	PUNCT
ejif-6714	300	1	[	[	X
ejif-6714	300	2	31	31	NUM
ejif-6714	300	3	]	]	PUNCT
ejif-6714	300	4	s.	s.	PROPN
ejif-6714	300	5	sharifi	sharifi	PROPN
ejif-6714	300	6	,	,	PUNCT
ejif-6714	300	7	a.	a.	NOUN
ejif-6714	300	8	haldar	haldar	NOUN
ejif-6714	300	9	,	,	PUNCT
ejif-6714	300	10	e	e	PROPN
ejif-6714	300	11	s.	s.	PROPN
ejif-6714	300	12	v.	v.	PROPN
ejif-6714	300	13	d.	d.	PROPN
ejif-6714	300	14	n.	n.	PROPN
ejif-6714	300	15	rao	rao	PROPN
ejif-6714	300	16	,	,	PUNCT
ejif-6714	300	17	«	«	PUNCT
ejif-6714	300	18	the	the	DET
ejif-6714	300	19	relationship	relationship	NOUN
ejif-6714	300	20	between	between	ADP
ejif-6714	300	21	credit	credit	NOUN
ejif-6714	300	22	risk	risk	NOUN
ejif-6714	300	23	management	management	NOUN
ejif-6714	300	24	and	and	CCONJ
ejif-6714	300	25	nonperforming	nonperforme	VERB
ejif-6714	300	26	assets	asset	NOUN
ejif-6714	300	27	of	of	ADP
ejif-6714	300	28	commercial	commercial	ADJ
ejif-6714	300	29	banks	bank	NOUN
ejif-6714	300	30	in	in	ADP
ejif-6714	300	31	india	india	PROPN
ejif-6714	300	32	»	»	X
ejif-6714	300	33	,	,	PUNCT
ejif-6714	300	34	manag	manag	PROPN
ejif-6714	300	35	.	.	PUNCT
ejif-6714	301	1	finance	finance	PROPN
ejif-6714	301	2	,	,	PUNCT
ejif-6714	301	3	vol	vol	NOUN
ejif-6714	301	4	.	.	PROPN
ejif-6714	301	5	45	45	NUM
ejif-6714	301	6	,	,	PUNCT
ejif-6714	301	7	fasc	fasc	PROPN
ejif-6714	301	8	.	.	PROPN
ejif-6714	301	9	3	3	NUM
ejif-6714	301	10	,	,	PUNCT
ejif-6714	301	11	pp	pp	ADJ
ejif-6714	301	12	.	.	PUNCT
ejif-6714	302	1	399–412	399–412	NUM
ejif-6714	302	2	,	,	PUNCT
ejif-6714	302	3	2019	2019	NUM
ejif-6714	302	4	,	,	PUNCT
ejif-6714	302	5	doi	doi	NOUN
ejif-6714	302	6	:	:	PUNCT
ejif-6714	302	7	10.1108	10.1108	NUM
ejif-6714	302	8	/	/	SYM
ejif-6714	302	9	mf-06	mf-06	NOUN
ejif-6714	302	10	-	-	PUNCT
ejif-6714	302	11	2018	2018	NUM
ejif-6714	302	12	-	-	PUNCT
ejif-6714	302	13	0259	0259	NUM
ejif-6714	302	14	.	.	PUNCT
ejif-6714	303	1	[	[	X
ejif-6714	303	2	32	32	NUM
ejif-6714	303	3	]	]	PUNCT
ejif-6714	303	4	h.	h.	PROPN
ejif-6714	303	5	m.	m.	PROPN
ejif-6714	303	6	awan	awan	PROPN
ejif-6714	303	7	,	,	PUNCT
ejif-6714	303	8	a.	a.	PROPN
ejif-6714	303	9	n.	n.	PROPN
ejif-6714	303	10	siddiquei	siddiquei	PROPN
ejif-6714	303	11	,	,	PUNCT
ejif-6714	303	12	e	e	PROPN
ejif-6714	303	13	z.	z.	PROPN
ejif-6714	303	14	haider	haider	PROPN
ejif-6714	303	15	,	,	PUNCT
ejif-6714	303	16	«	«	PUNCT
ejif-6714	303	17	factors	factor	NOUN
ejif-6714	303	18	affecting	affect	VERB
ejif-6714	303	19	halal	halal	NOUN
ejif-6714	303	20	purchase	purchase	NOUN
ejif-6714	303	21	intention	intention	NOUN
ejif-6714	303	22	–	–	PUNCT
ejif-6714	303	23	evidence	evidence	NOUN
ejif-6714	303	24	from	from	ADP
ejif-6714	303	25	pakistan	pakistan	PROPN
ejif-6714	303	26	’s	’s	PART
ejif-6714	303	27	halal	halal	PROPN
ejif-6714	303	28	food	food	NOUN
ejif-6714	303	29	sector	sector	NOUN
ejif-6714	303	30	»	»	NOUN
ejif-6714	303	31	,	,	PUNCT
ejif-6714	303	32	manag	manag	PROPN
ejif-6714	303	33	.	.	PUNCT
ejif-6714	304	1	res	res	PROPN
ejif-6714	304	2	.	.	PUNCT
ejif-6714	305	1	rev	rev	PROPN
ejif-6714	305	2	.	.	PROPN
ejif-6714	305	3	,	,	PUNCT
ejif-6714	305	4	vol	vol	NOUN
ejif-6714	305	5	.	.	PROPN
ejif-6714	305	6	38	38	NUM
ejif-6714	305	7	,	,	PUNCT
ejif-6714	305	8	fasc	fasc	PROPN
ejif-6714	305	9	.	.	PROPN
ejif-6714	305	10	6	6	NUM
ejif-6714	305	11	,	,	PUNCT
ejif-6714	305	12	pp	pp	ADJ
ejif-6714	305	13	.	.	PUNCT
ejif-6714	306	1	640–660	640–660	NUM
ejif-6714	306	2	,	,	PUNCT
ejif-6714	306	3	2015	2015	NUM
ejif-6714	306	4	,	,	PUNCT
ejif-6714	306	5	doi	doi	NOUN
ejif-6714	306	6	:	:	PUNCT
ejif-6714	306	7	10.1108	10.1108	NUM
ejif-6714	306	8	/	/	SYM
ejif-6714	306	9	mrr-012014	mrr-012014	NOUN
ejif-6714	306	10	-	-	PUNCT
ejif-6714	306	11	0022	0022	NUM
ejif-6714	306	12	.	.	PUNCT
ejif-6714	307	1	[	[	X
ejif-6714	307	2	33	33	NUM
ejif-6714	307	3	]	]	PUNCT
ejif-6714	307	4	c.	c.	PROPN
ejif-6714	307	5	jeske	jeske	PROPN
ejif-6714	307	6	,	,	PUNCT
ejif-6714	307	7	«	«	PUNCT
ejif-6714	307	8	why	why	SCONJ
ejif-6714	307	9	work	work	NOUN
ejif-6714	307	10	?	?	PUNCT
ejif-6714	308	1	do	do	AUX
ejif-6714	308	2	we	we	PRON
ejif-6714	308	3	understand	understand	VERB
ejif-6714	308	4	what	what	PRON
ejif-6714	308	5	motivates	motivate	VERB
ejif-6714	308	6	work	work	NOUN
ejif-6714	308	7	-	-	PUNCT
ejif-6714	308	8	related	relate	VERB
ejif-6714	308	9	decisions	decision	NOUN
ejif-6714	308	10	in	in	ADP
ejif-6714	308	11	south	south	PROPN
ejif-6714	308	12	africa	africa	PROPN
ejif-6714	308	13	?	?	PUNCT
ejif-6714	309	1	»	»	PROPN
ejif-6714	309	2	,	,	PUNCT
ejif-6714	309	3	j.	j.	PROPN
ejif-6714	309	4	south	south	PROPN
ejif-6714	309	5	.	.	PUNCT
ejif-6714	310	1	afr	afr	PROPN
ejif-6714	310	2	.	.	PUNCT
ejif-6714	310	3	stud	stud	PROPN
ejif-6714	310	4	.	.	PUNCT
ejif-6714	311	1	,	,	PUNCT
ejif-6714	311	2	vol	vol	NOUN
ejif-6714	311	3	.	.	PROPN
ejif-6714	311	4	44	44	NUM
ejif-6714	311	5	,	,	PUNCT
ejif-6714	311	6	fasc	fasc	PROPN
ejif-6714	311	7	.	.	PROPN
ejif-6714	311	8	1	1	NUM
ejif-6714	311	9	,	,	PUNCT
ejif-6714	311	10	pp	pp	ADJ
ejif-6714	311	11	.	.	PUNCT
ejif-6714	312	1	27–42	27–42	NUM
ejif-6714	312	2	,	,	PUNCT
ejif-6714	312	3	2018	2018	NUM
ejif-6714	312	4	,	,	PUNCT
ejif-6714	312	5	doi	doi	NOUN
ejif-6714	312	6	:	:	PUNCT
ejif-6714	312	7	european	european	PROPN
ejif-6714	312	8	journal	journal	PROPN
ejif-6714	312	9	of	of	ADP
ejif-6714	312	10	islamic	islamic	PROPN
ejif-6714	312	11	finance	finance	PROPN
ejif-6714	312	12	issn	issn	PROPN
ejif-6714	312	13	:	:	PUNCT
ejif-6714	312	14	2421	2421	NUM
ejif-6714	312	15	-	-	SYM
ejif-6714	312	16	2172	2172	NUM
ejif-6714	312	17	doi	doi	NOUN
ejif-6714	312	18	:	:	PUNCT
ejif-6714	312	19	10.13135/2421	10.13135/2421	NUM
ejif-6714	312	20	-	-	SYM
ejif-6714	312	21	2172/6714	2172/6714	NUM
ejif-6714	312	22	published	publish	VERB
ejif-6714	312	23	by	by	ADP
ejif-6714	312	24	the	the	DET
ejif-6714	312	25	university	university	PROPN
ejif-6714	312	26	of	of	ADP
ejif-6714	312	27	turin	turin	PROPN
ejif-6714	313	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6714	313	2	ejif	ejif	PROPN
ejif-6714	313	3	content	content	NOUN
ejif-6714	313	4	is	be	AUX
ejif-6714	313	5	licensed	license	VERB
ejif-6714	313	6	under	under	ADP
ejif-6714	313	7	a	a	DET
ejif-6714	313	8	creative	creative	ADJ
ejif-6714	313	9	commons	common	NOUN
ejif-6714	313	10	attribution	attribution	NOUN
ejif-6714	313	11	4.0	4.0	NUM
ejif-6714	313	12	international	international	ADJ
ejif-6714	313	13	license	license	NOUN
ejif-6714	313	14	received	receive	VERB
ejif-6714	313	15	:	:	PUNCT
ejif-6714	313	16	25/04/2022	25/04/2022	NUM
ejif-6714	313	17	accepted	accept	VERB
ejif-6714	313	18	for	for	ADP
ejif-6714	313	19	publication	publication	NOUN
ejif-6714	313	20	:	:	PUNCT
ejif-6714	313	21	19/11/2022	19/11/2022	NUM
ejif-6714	313	22	published	publish	VERB
ejif-6714	313	23	:	:	PUNCT
ejif-6714	313	24	29/12/2022	29/12/2022	NUM
ejif-6714	313	25	46	46	NUM
ejif-6714	313	26	10.1080/03057070.2018.1403219	10.1080/03057070.2018.1403219	NUM
ejif-6714	313	27	.	.	PUNCT
ejif-6714	314	1	[	[	X
ejif-6714	314	2	34	34	NUM
ejif-6714	314	3	]	]	X
ejif-6714	314	4	r.	r.	PROPN
ejif-6714	314	5	abdullah	abdullah	PROPN
ejif-6714	314	6	,	,	PUNCT
ejif-6714	314	7	r.	r.	PROPN
ejif-6714	314	8	chauhan	chauhan	PROPN
ejif-6714	314	9	,	,	PUNCT
ejif-6714	314	10	r.	r.	PROPN
ejif-6714	314	11	kurniawan	kurniawan	PROPN
ejif-6714	314	12	,	,	PUNCT
ejif-6714	314	13	n.	n.	PROPN
ejif-6714	314	14	rajpurohit	rajpurohit	PROPN
ejif-6714	314	15	,	,	PUNCT
ejif-6714	314	16	e	e	PROPN
ejif-6714	314	17	a.	a.	PROPN
ejif-6714	314	18	hubur	hubur	PROPN
ejif-6714	314	19	,	,	PUNCT
ejif-6714	314	20	«	«	PUNCT
ejif-6714	314	21	entire	entire	ADJ
ejif-6714	314	22	system	system	NOUN
ejif-6714	314	23	of	of	ADP
ejif-6714	314	24	wages	wage	NOUN
ejif-6714	314	25	and	and	CCONJ
ejif-6714	314	26	rewards	reward	NOUN
ejif-6714	314	27	to	to	PART
ejif-6714	314	28	increase	increase	VERB
ejif-6714	314	29	productivity	productivity	NOUN
ejif-6714	314	30	in	in	ADP
ejif-6714	314	31	factory	factory	NOUN
ejif-6714	314	32	»	»	PUNCT
ejif-6714	314	33	,	,	PUNCT
ejif-6714	314	34	linguist	linguist	NOUN
ejif-6714	314	35	.	.	PUNCT
ejif-6714	315	1	cult	cult	PROPN
ejif-6714	315	2	.	.	PUNCT
ejif-6714	316	1	rev	rev	PROPN
ejif-6714	316	2	.	.	PROPN
ejif-6714	316	3	,	,	PUNCT
ejif-6714	316	4	vol	vol	NOUN
ejif-6714	316	5	.	.	PROPN
ejif-6714	316	6	5	5	NUM
ejif-6714	316	7	,	,	PUNCT
ejif-6714	316	8	fasc	fasc	PROPN
ejif-6714	316	9	.	.	PROPN
ejif-6714	316	10	s1	s1	PROPN
ejif-6714	316	11	,	,	PUNCT
ejif-6714	316	12	pp	pp	X
ejif-6714	316	13	.	.	PUNCT
ejif-6714	317	1	394–403	394–403	NUM
ejif-6714	317	2	,	,	PUNCT
ejif-6714	317	3	2021	2021	NUM
ejif-6714	317	4	,	,	PUNCT
ejif-6714	317	5	doi	doi	NOUN
ejif-6714	317	6	:	:	PUNCT
ejif-6714	317	7	10.21744	10.21744	NUM
ejif-6714	317	8	/	/	SYM
ejif-6714	317	9	lingcure.v5ns1.1405	lingcure.v5ns1.1405	NOUN
ejif-6714	317	10	.	.	PUNCT
ejif-6714	318	1	[	[	X
ejif-6714	318	2	35	35	NUM
ejif-6714	318	3	]	]	PUNCT
ejif-6714	318	4	r.	r.	PROPN
ejif-6714	318	5	k.	k.	PROPN
ejif-6714	318	6	prasad	prasad	PROPN
ejif-6714	318	7	e	e	PROPN
ejif-6714	318	8	m.	m.	PROPN
ejif-6714	318	9	k.	k.	PROPN
ejif-6714	318	10	jha	jha	PROPN
ejif-6714	318	11	,	,	PUNCT
ejif-6714	318	12	«	«	PUNCT
ejif-6714	318	13	consumer	consumer	NOUN
ejif-6714	318	14	buying	buying	NOUN
ejif-6714	318	15	decisions	decision	NOUN
ejif-6714	318	16	models	model	NOUN
ejif-6714	318	17	:	:	PUNCT
ejif-6714	318	18	a	a	DET
ejif-6714	318	19	descriptive	descriptive	ADJ
ejif-6714	318	20	study	study	NOUN
ejif-6714	318	21	»	»	NOUN
ejif-6714	318	22	,	,	PUNCT
ejif-6714	318	23	int	int	PROPN
ejif-6714	318	24	.	.	PUNCT
ejif-6714	319	1	j.	j.	PROPN
ejif-6714	319	2	innov	innov	PROPN
ejif-6714	319	3	.	.	PUNCT
ejif-6714	320	1	appl	appl	PROPN
ejif-6714	320	2	.	.	PROPN
ejif-6714	320	3	stud	stud	PROPN
ejif-6714	320	4	.	.	PUNCT
ejif-6714	321	1	issn	issn	PROPN
ejif-6714	321	2	,	,	PUNCT
ejif-6714	321	3	vol	vol	NOUN
ejif-6714	321	4	.	.	PROPN
ejif-6714	321	5	6	6	NUM
ejif-6714	321	6	,	,	PUNCT
ejif-6714	321	7	fasc	fasc	PROPN
ejif-6714	321	8	.	.	PROPN
ejif-6714	321	9	3	3	NUM
ejif-6714	321	10	,	,	PUNCT
ejif-6714	321	11	pp	pp	ADJ
ejif-6714	321	12	.	.	PUNCT
ejif-6714	322	1	2028–9324	2028–9324	NUM
ejif-6714	322	2	,	,	PUNCT
ejif-6714	322	3	2014	2014	NUM
ejif-6714	322	4	.	.	PUNCT
ejif-6714	323	1	[	[	X
ejif-6714	323	2	36	36	NUM
ejif-6714	323	3	]	]	PUNCT
ejif-6714	323	4	s.	s.	PROPN
ejif-6714	323	5	a.	a.	PROPN
ejif-6714	323	6	a.	a.	PROPN
ejif-6714	323	7	shah	shah	PROPN
ejif-6714	323	8	,	,	PUNCT
ejif-6714	323	9	r.	r.	PROPN
ejif-6714	323	10	sukmana	sukmana	PROPN
ejif-6714	323	11	,	,	PUNCT
ejif-6714	323	12	e	e	PROPN
ejif-6714	323	13	b.	b.	PROPN
ejif-6714	323	14	a.	a.	NOUN
ejif-6714	323	15	fianto	fianto	PROPN
ejif-6714	323	16	,	,	PUNCT
ejif-6714	323	17	«	«	PUNCT
ejif-6714	323	18	integration	integration	NOUN
ejif-6714	323	19	of	of	ADP
ejif-6714	323	20	islamic	islamic	PROPN
ejif-6714	323	21	bank	bank	PROPN
ejif-6714	323	22	specific	specific	ADJ
ejif-6714	323	23	risks	risk	NOUN
ejif-6714	323	24	and	and	CCONJ
ejif-6714	323	25	their	their	PRON
ejif-6714	323	26	impact	impact	NOUN
ejif-6714	323	27	on	on	ADP
ejif-6714	323	28	the	the	DET
ejif-6714	323	29	portfolios	portfolio	NOUN
ejif-6714	323	30	of	of	ADP
ejif-6714	323	31	islamic	islamic	ADJ
ejif-6714	323	32	banks	bank	NOUN
ejif-6714	323	33	»	»	PRON
ejif-6714	323	34	,	,	PUNCT
ejif-6714	323	35	int	int	PROPN
ejif-6714	323	36	.	.	PUNCT
ejif-6714	324	1	j.	j.	PROPN
ejif-6714	324	2	islam	islam	PROPN
ejif-6714	324	3	.	.	PUNCT
ejif-6714	325	1	middle	middle	PROPN
ejif-6714	325	2	east	east	PROPN
ejif-6714	325	3	.	.	PUNCT
ejif-6714	326	1	finance	finance	NOUN
ejif-6714	326	2	manag	manag	PROPN
ejif-6714	326	3	.	.	PUNCT
ejif-6714	326	4	,	,	PUNCT
ejif-6714	326	5	vol	vol	NOUN
ejif-6714	326	6	.	.	PROPN
ejif-6714	326	7	14	14	NUM
ejif-6714	326	8	,	,	PUNCT
ejif-6714	326	9	fasc	fasc	PROPN
ejif-6714	326	10	.	.	PROPN
ejif-6714	326	11	3	3	NUM
ejif-6714	326	12	,	,	PUNCT
ejif-6714	326	13	pp	pp	ADJ
ejif-6714	326	14	.	.	PUNCT
ejif-6714	327	1	561–578	561–578	NUM
ejif-6714	327	2	,	,	PUNCT
ejif-6714	327	3	2020	2020	NUM
ejif-6714	327	4	,	,	PUNCT
ejif-6714	327	5	doi	doi	NOUN
ejif-6714	327	6	:	:	PUNCT
ejif-6714	327	7	10.1108	10.1108	NUM
ejif-6714	327	8	/	/	SYM
ejif-6714	327	9	imefm-01	imefm-01	NOUN
ejif-6714	327	10	-	-	PUNCT
ejif-6714	327	11	2020	2020	NUM
ejif-6714	327	12	-	-	PUNCT
ejif-6714	327	13	0021	0021	NUM
ejif-6714	327	14	.	.	PUNCT
ejif-6714	328	1	[	[	X
ejif-6714	328	2	37	37	NUM
ejif-6714	328	3	]	]	X
ejif-6714	328	4	y.	y.	PROPN
ejif-6714	328	5	y.	y.	PROPN
ejif-6714	328	6	lee	lee	PROPN
ejif-6714	328	7	,	,	PUNCT
ejif-6714	328	8	m.	m.	PROPN
ejif-6714	328	9	h.	h.	PROPN
ejif-6714	328	10	dato	dato	PROPN
ejif-6714	328	11	haji	haji	PROPN
ejif-6714	328	12	yahya	yahya	PROPN
ejif-6714	328	13	,	,	PUNCT
ejif-6714	328	14	m.	m.	NOUN
ejif-6714	328	15	s.	s.	PROPN
ejif-6714	328	16	habibullah	habibullah	PROPN
ejif-6714	328	17	,	,	PUNCT
ejif-6714	328	18	e	e	PROPN
ejif-6714	328	19	z.	z.	PROPN
ejif-6714	328	20	mohd	mohd	PROPN
ejif-6714	328	21	ashhari	ashhari	PROPN
ejif-6714	328	22	,	,	PUNCT
ejif-6714	328	23	«	«	PUNCT
ejif-6714	328	24	non	non	ADJ
ejif-6714	328	25	-	-	ADJ
ejif-6714	328	26	performing	performing	ADJ
ejif-6714	328	27	loans	loan	NOUN
ejif-6714	328	28	in	in	ADP
ejif-6714	328	29	european	european	PROPN
ejif-6714	328	30	union	union	PROPN
ejif-6714	328	31	:	:	PUNCT
ejif-6714	328	32	country	country	NOUN
ejif-6714	328	33	governance	governance	NOUN
ejif-6714	328	34	dimensions	dimension	NOUN
ejif-6714	328	35	»	»	PUNCT
ejif-6714	328	36	,	,	PUNCT
ejif-6714	328	37	j.	j.	PROPN
ejif-6714	328	38	financ	financ	PROPN
ejif-6714	328	39	.	.	PUNCT
ejif-6714	329	1	econ	econ	PROPN
ejif-6714	329	2	.	.	PUNCT
ejif-6714	330	1	policy	policy	NOUN
ejif-6714	330	2	,	,	PUNCT
ejif-6714	330	3	vol	vol	NOUN
ejif-6714	330	4	.	.	PROPN
ejif-6714	330	5	12	12	NUM
ejif-6714	330	6	,	,	PUNCT
ejif-6714	330	7	fasc	fasc	PROPN
ejif-6714	330	8	.	.	PROPN
ejif-6714	330	9	2	2	NUM
ejif-6714	330	10	,	,	PUNCT
ejif-6714	330	11	pp	pp	ADJ
ejif-6714	330	12	.	.	PUNCT
ejif-6714	331	1	209–226	209–226	NUM
ejif-6714	331	2	,	,	PUNCT
ejif-6714	331	3	2020	2020	NUM
ejif-6714	331	4	,	,	PUNCT
ejif-6714	331	5	doi	doi	NOUN
ejif-6714	331	6	:	:	PUNCT
ejif-6714	331	7	10.1108	10.1108	NUM
ejif-6714	331	8	/	/	SYM
ejif-6714	331	9	jfep-01	jfep-01	NOUN
ejif-6714	331	10	-	-	NOUN
ejif-6714	331	11	2019	2019	NUM
ejif-6714	331	12	-	-	PUNCT
ejif-6714	331	13	0027	0027	NUM
ejif-6714	331	14	.	.	PUNCT
ejif-6714	332	1	[	[	X
ejif-6714	332	2	38	38	NUM
ejif-6714	332	3	]	]	PUNCT
ejif-6714	332	4	b.	b.	PROPN
ejif-6714	332	5	r.	r.	PROPN
ejif-6714	332	6	lensberg	lensberg	PROPN
ejif-6714	332	7	,	,	PUNCT
ejif-6714	332	8	m.	m.	PROPN
ejif-6714	332	9	f.	f.	PROPN
ejif-6714	332	10	drummond	drummond	PROPN
ejif-6714	332	11	,	,	PUNCT
ejif-6714	332	12	n.	n.	PROPN
ejif-6714	332	13	danchenko	danchenko	PROPN
ejif-6714	332	14	,	,	PUNCT
ejif-6714	332	15	n.	n.	NOUN
ejif-6714	332	16	despiégel	despiégel	NOUN
ejif-6714	332	17	,	,	PUNCT
ejif-6714	332	18	e	e	PROPN
ejif-6714	332	19	c.	c.	PROPN
ejif-6714	332	20	françois	françois	PROPN
ejif-6714	332	21	,	,	PUNCT
ejif-6714	332	22	«	«	PUNCT
ejif-6714	332	23	challenges	challenge	NOUN
ejif-6714	332	24	in	in	ADP
ejif-6714	332	25	measuring	measure	VERB
ejif-6714	332	26	and	and	CCONJ
ejif-6714	332	27	valuing	value	VERB
ejif-6714	332	28	productivity	productivity	NOUN
ejif-6714	332	29	costs	cost	NOUN
ejif-6714	332	30	,	,	PUNCT
ejif-6714	332	31	and	and	CCONJ
ejif-6714	332	32	their	their	PRON
ejif-6714	332	33	relevance	relevance	NOUN
ejif-6714	332	34	in	in	ADP
ejif-6714	332	35	mood	mood	NOUN
ejif-6714	332	36	disorders	disorder	NOUN
ejif-6714	332	37	»	»	PUNCT
ejif-6714	332	38	,	,	PUNCT
ejif-6714	332	39	clin	clin	PROPN
ejif-6714	332	40	.	.	PUNCT
ejif-6714	333	1	outcomes	outcome	NOUN
ejif-6714	333	2	res	re	NOUN
ejif-6714	333	3	.	.	PROPN
ejif-6714	333	4	,	,	PUNCT
ejif-6714	333	5	vol	vol	NOUN
ejif-6714	333	6	.	.	PROPN
ejif-6714	333	7	5	5	NUM
ejif-6714	333	8	,	,	PUNCT
ejif-6714	333	9	fasc	fasc	PROPN
ejif-6714	333	10	.	.	PROPN
ejif-6714	333	11	1	1	NUM
ejif-6714	333	12	,	,	PUNCT
ejif-6714	333	13	pp	pp	ADJ
ejif-6714	333	14	.	.	PUNCT
ejif-6714	334	1	565–573	565–573	NUM
ejif-6714	334	2	,	,	PUNCT
ejif-6714	334	3	2013	2013	NUM
ejif-6714	334	4	,	,	PUNCT
ejif-6714	334	5	doi	doi	NOUN
ejif-6714	334	6	:	:	PUNCT
ejif-6714	334	7	10.2147	10.2147	NUM
ejif-6714	334	8	/	/	SYM
ejif-6714	334	9	ceor.s44866	ceor.s44866	NOUN
ejif-6714	334	10	.	.	PUNCT
ejif-6714	335	1	[	[	X
ejif-6714	335	2	39	39	NUM
ejif-6714	335	3	]	]	PUNCT
ejif-6714	335	4	p.	p.	NOUN
ejif-6714	335	5	d.	d.	PROPN
ejif-6714	335	6	dunlop	dunlop	PROPN
ejif-6714	335	7	e	e	PROPN
ejif-6714	335	8	k.	k.	PROPN
ejif-6714	335	9	lee	lee	PROPN
ejif-6714	335	10	,	,	PUNCT
ejif-6714	335	11	«	«	PUNCT
ejif-6714	335	12	workplace	workplace	NOUN
ejif-6714	335	13	deviance	deviance	NOUN
ejif-6714	335	14	,	,	PUNCT
ejif-6714	335	15	organizational	organizational	ADJ
ejif-6714	335	16	citizenship	citizenship	NOUN
ejif-6714	335	17	behavior	behavior	NOUN
ejif-6714	335	18	,	,	PUNCT
ejif-6714	335	19	and	and	CCONJ
ejif-6714	335	20	business	business	NOUN
ejif-6714	335	21	unit	unit	NOUN
ejif-6714	335	22	performance	performance	NOUN
ejif-6714	335	23	:	:	PUNCT
ejif-6714	335	24	the	the	DET
ejif-6714	335	25	bad	bad	ADJ
ejif-6714	335	26	apples	apple	NOUN
ejif-6714	335	27	do	do	AUX
ejif-6714	335	28	spoil	spoil	VERB
ejif-6714	335	29	the	the	DET
ejif-6714	335	30	whole	whole	ADJ
ejif-6714	335	31	barrel	barrel	NOUN
ejif-6714	335	32	»	»	NOUN
ejif-6714	335	33	,	,	PUNCT
ejif-6714	335	34	j.	j.	PROPN
ejif-6714	335	35	organ	organ	PROPN
ejif-6714	335	36	.	.	PUNCT
ejif-6714	336	1	behav	behav	PROPN
ejif-6714	336	2	.	.	PUNCT
ejif-6714	336	3	,	,	PUNCT
ejif-6714	336	4	vol	vol	NOUN
ejif-6714	336	5	.	.	PROPN
ejif-6714	336	6	25	25	NUM
ejif-6714	336	7	,	,	PUNCT
ejif-6714	336	8	fasc	fasc	PROPN
ejif-6714	336	9	.	.	PROPN
ejif-6714	336	10	1	1	NUM
ejif-6714	336	11	,	,	PUNCT
ejif-6714	336	12	pp	pp	ADJ
ejif-6714	336	13	.	.	PUNCT
ejif-6714	337	1	67–80	67–80	NOUN
ejif-6714	337	2	,	,	PUNCT
ejif-6714	337	3	2004	2004	NUM
ejif-6714	337	4	,	,	PUNCT
ejif-6714	337	5	doi	doi	NOUN
ejif-6714	337	6	:	:	PUNCT
ejif-6714	337	7	10.1002	10.1002	NUM
ejif-6714	337	8	/	/	SYM
ejif-6714	337	9	job.243	job.243	NOUN
ejif-6714	337	10	.	.	PUNCT
ejif-6714	338	1	[	[	X
ejif-6714	338	2	40	40	NUM
ejif-6714	338	3	]	]	PUNCT
ejif-6714	338	4	m.	m.	NOUN
ejif-6714	338	5	do	do	VERB
ejif-6714	338	6	rosário	rosário	PROPN
ejif-6714	338	7	cabrita	cabrita	PROPN
ejif-6714	338	8	e	e	PROPN
ejif-6714	338	9	n.	n.	PROPN
ejif-6714	338	10	bontis	bontis	PROPN
ejif-6714	338	11	,	,	PUNCT
ejif-6714	338	12	«	«	PUNCT
ejif-6714	338	13	intellectual	intellectual	ADJ
ejif-6714	338	14	capital	capital	NOUN
ejif-6714	338	15	and	and	CCONJ
ejif-6714	338	16	business	business	NOUN
ejif-6714	338	17	performance	performance	NOUN
ejif-6714	338	18	in	in	ADP
ejif-6714	338	19	the	the	DET
ejif-6714	338	20	portuguese	portuguese	ADJ
ejif-6714	338	21	banking	banking	NOUN
ejif-6714	338	22	industry	industry	NOUN
ejif-6714	338	23	»	»	NOUN
ejif-6714	338	24	,	,	PUNCT
ejif-6714	338	25	int	int	PROPN
ejif-6714	338	26	.	.	PUNCT
ejif-6714	339	1	j.	j.	PROPN
ejif-6714	339	2	technol	technol	PROPN
ejif-6714	339	3	.	.	PROPN
ejif-6714	339	4	manag	manag	PROPN
ejif-6714	339	5	.	.	PUNCT
ejif-6714	339	6	,	,	PUNCT
ejif-6714	339	7	vol	vol	NOUN
ejif-6714	339	8	.	.	PROPN
ejif-6714	339	9	43	43	NUM
ejif-6714	339	10	,	,	PUNCT
ejif-6714	339	11	fasc	fasc	PROPN
ejif-6714	339	12	.	.	PROPN
ejif-6714	340	1	1–3	1–3	NUM
ejif-6714	340	2	,	,	PUNCT
ejif-6714	340	3	pp	pp	ADJ
ejif-6714	340	4	.	.	PUNCT
ejif-6714	341	1	212–237	212–237	NUM
ejif-6714	341	2	,	,	PUNCT
ejif-6714	341	3	2008	2008	NUM
ejif-6714	341	4	,	,	PUNCT
ejif-6714	341	5	doi	doi	NOUN
ejif-6714	341	6	:	:	PUNCT
ejif-6714	341	7	10.1504	10.1504	NUM
ejif-6714	341	8	/	/	SYM
ejif-6714	341	9	ijtm.2008.019416	ijtm.2008.019416	NUM
ejif-6714	341	10	.	.	PUNCT
ejif-6714	342	1	[	[	X
ejif-6714	342	2	41	41	NUM
ejif-6714	342	3	]	]	X
ejif-6714	342	4	n.	n.	PROPN
ejif-6714	342	5	hidayah	hidayah	PROPN
ejif-6714	342	6	,	,	PUNCT
ejif-6714	342	7	a.	a.	PROPN
ejif-6714	342	8	badawi	badawi	PROPN
ejif-6714	342	9	,	,	PUNCT
ejif-6714	342	10	l.	l.	PROPN
ejif-6714	342	11	nugroho	nugroho	PROPN
ejif-6714	342	12	,	,	PUNCT
ejif-6714	342	13	e	e	X
ejif-6714	342	14	moetopo	moetopo	NOUN
ejif-6714	342	15	,	,	PUNCT
ejif-6714	342	16	«	«	PUNCT
ejif-6714	342	17	human	human	ADJ
ejif-6714	342	18	capital	capital	NOUN
ejif-6714	342	19	and	and	CCONJ
ejif-6714	342	20	the	the	DET
ejif-6714	342	21	use	use	NOUN
ejif-6714	342	22	of	of	ADP
ejif-6714	342	23	information	information	NOUN
ejif-6714	342	24	technology	technology	NOUN
ejif-6714	342	25	to	to	PART
ejif-6714	342	26	enhance	enhance	VERB
ejif-6714	342	27	sustainable	sustainable	ADJ
ejif-6714	342	28	competitive	competitive	ADJ
ejif-6714	342	29	advantages	advantage	NOUN
ejif-6714	342	30	»	»	PRON
ejif-6714	342	31	,	,	PUNCT
ejif-6714	342	32	arch	arch	NOUN
ejif-6714	342	33	.	.	PUNCT
ejif-6714	343	1	bus	bus	NOUN
ejif-6714	343	2	.	.	PUNCT
ejif-6714	344	1	res	re	NOUN
ejif-6714	344	2	.	.	PROPN
ejif-6714	344	3	,	,	PUNCT
ejif-6714	344	4	vol	vol	NOUN
ejif-6714	344	5	.	.	PROPN
ejif-6714	344	6	8	8	NUM
ejif-6714	344	7	,	,	PUNCT
ejif-6714	344	8	fasc	fasc	PROPN
ejif-6714	344	9	.	.	PROPN
ejif-6714	344	10	6	6	NUM
ejif-6714	344	11	,	,	PUNCT
ejif-6714	344	12	pp	pp	ADJ
ejif-6714	344	13	.	.	PUNCT
ejif-6714	345	1	239	239	NUM
ejif-6714	345	2	–	–	PUNCT
ejif-6714	345	3	249	249	NUM
ejif-6714	345	4	,	,	PUNCT
ejif-6714	345	5	2020	2020	NUM
ejif-6714	345	6	,	,	PUNCT
ejif-6714	345	7	doi	doi	NOUN
ejif-6714	345	8	:	:	PUNCT
ejif-6714	345	9	10.14738	10.14738	NUM
ejif-6714	345	10	/	/	SYM
ejif-6714	345	11	abr.86.8536	abr.86.8536	NOUN
ejif-6714	345	12	.	.	PUNCT
ejif-6714	346	1	[	[	X
ejif-6714	346	2	42	42	NUM
ejif-6714	346	3	]	]	PUNCT
ejif-6714	346	4	j.	j.	PROPN
ejif-6714	346	5	kaczmarek	kaczmarek	PROPN
ejif-6714	346	6	,	,	PUNCT
ejif-6714	346	7	«	«	PUNCT
ejif-6714	346	8	the	the	DET
ejif-6714	346	9	mechanisms	mechanism	NOUN
ejif-6714	346	10	of	of	ADP
ejif-6714	346	11	creating	create	VERB
ejif-6714	346	12	value	value	NOUN
ejif-6714	346	13	vs.	vs.	ADP
ejif-6714	346	14	financial	financial	ADJ
ejif-6714	346	15	security	security	NOUN
ejif-6714	346	16	of	of	ADP
ejif-6714	346	17	going	go	VERB
ejif-6714	346	18	concernsustainable	concernsustainable	ADJ
ejif-6714	346	19	management	management	NOUN
ejif-6714	346	20	»	»	NOUN
ejif-6714	346	21	,	,	PUNCT
ejif-6714	346	22	sustainability	sustainability	NOUN
ejif-6714	346	23	,	,	PUNCT
ejif-6714	346	24	vol	vol	NOUN
ejif-6714	346	25	.	.	PROPN
ejif-6714	346	26	11	11	NUM
ejif-6714	346	27	,	,	PUNCT
ejif-6714	346	28	fasc	fasc	PROPN
ejif-6714	346	29	.	.	NOUN
ejif-6714	346	30	8	8	NUM
ejif-6714	346	31	,	,	PUNCT
ejif-6714	346	32	p.	p.	NOUN
ejif-6714	346	33	2278	2278	NUM
ejif-6714	346	34	,	,	PUNCT
ejif-6714	346	35	2019	2019	NUM
ejif-6714	346	36	,	,	PUNCT
ejif-6714	346	37	doi	doi	NOUN
ejif-6714	346	38	:	:	PUNCT
ejif-6714	346	39	10.3390	10.3390	NUM
ejif-6714	346	40	/	/	SYM
ejif-6714	346	41	su11082278	su11082278	NOUN
ejif-6714	346	42	.	.	PUNCT
ejif-6714	347	1	[	[	X
ejif-6714	347	2	43	43	NUM
ejif-6714	347	3	]	]	X
ejif-6714	347	4	y.	y.	PROPN
ejif-6714	347	5	a.	a.	PROPN
ejif-6714	347	6	pravasanti	pravasanti	PROPN
ejif-6714	347	7	,	,	PUNCT
ejif-6714	347	8	«	«	PUNCT
ejif-6714	347	9	pengaruh	pengaruh	NOUN
ejif-6714	347	10	npf	npf	PROPN
ejif-6714	347	11	dan	dan	PROPN
ejif-6714	347	12	fdr	fdr	PROPN
ejif-6714	347	13	terhadap	terhadap	PROPN
ejif-6714	347	14	car	car	PROPN
ejif-6714	347	15	dan	dan	PROPN
ejif-6714	347	16	dampaknya	dampaknya	PROPN
ejif-6714	347	17	terhadap	terhadap	PROPN
ejif-6714	347	18	roa	roa	PROPN
ejif-6714	347	19	pada	pada	PROPN
ejif-6714	347	20	perbankan	perbankan	PROPN
ejif-6714	347	21	syariah	syariah	PROPN
ejif-6714	347	22	di	di	PROPN
ejif-6714	347	23	indonesia	indonesia	PROPN
ejif-6714	347	24	»	»	PROPN
ejif-6714	347	25	,	,	PUNCT
ejif-6714	347	26	j.	j.	PROPN
ejif-6714	347	27	ilm	ilm	PROPN
ejif-6714	347	28	.	.	PROPN
ejif-6714	347	29	ekon	ekon	PROPN
ejif-6714	347	30	.	.	PUNCT
ejif-6714	348	1	islam	islam	PROPN
ejif-6714	348	2	,	,	PUNCT
ejif-6714	348	3	vol	vol	NOUN
ejif-6714	348	4	.	.	PROPN
ejif-6714	348	5	4	4	NUM
ejif-6714	348	6	,	,	PUNCT
ejif-6714	348	7	fasc	fasc	PROPN
ejif-6714	348	8	.	.	PROPN
ejif-6714	348	9	03	03	NUM
ejif-6714	348	10	,	,	PUNCT
ejif-6714	348	11	p.	p.	NOUN
ejif-6714	348	12	148	148	NUM
ejif-6714	348	13	,	,	PUNCT
ejif-6714	348	14	2018	2018	NUM
ejif-6714	348	15	,	,	PUNCT
ejif-6714	348	16	doi	doi	NOUN
ejif-6714	348	17	:	:	PUNCT
ejif-6714	348	18	10.29040	10.29040	NUM
ejif-6714	348	19	/	/	SYM
ejif-6714	348	20	jiei.v4i03.302	jiei.v4i03.302	X
ejif-6714	348	21	.	.	PUNCT
ejif-6714	349	1	[	[	X
ejif-6714	349	2	44	44	NUM
ejif-6714	349	3	]	]	X
ejif-6714	349	4	i.	i.	PROPN
ejif-6714	349	5	ghozali	ghozali	PROPN
ejif-6714	349	6	,	,	PUNCT
ejif-6714	349	7	aplikasi	aplikasi	NOUN
ejif-6714	349	8	analisis	analisis	NOUN
ejif-6714	349	9	multivariate	multivariate	PROPN
ejif-6714	349	10	dengan	dengan	PROPN
ejif-6714	349	11	program	program	PROPN
ejif-6714	349	12	ibm	ibm	PROPN
ejif-6714	349	13	spss	spss	PROPN
ejif-6714	349	14	21	21	NUM
ejif-6714	349	15	update	update	NOUN
ejif-6714	349	16	pls	pls	NOUN
ejif-6714	349	17	regresi	regresi	PROPN
ejif-6714	349	18	.	.	PUNCT
ejif-6714	350	1	semarang	semarang	PROPN
ejif-6714	350	2	:	:	PUNCT
ejif-6714	350	3	undip	undip	ADJ
ejif-6714	350	4	press	press	PROPN
ejif-6714	350	5	,	,	PUNCT
ejif-6714	350	6	2013	2013	NUM
ejif-6714	350	7	.	.	PUNCT
ejif-6714	351	1	[	[	X
ejif-6714	351	2	45	45	NUM
ejif-6714	351	3	]	]	X
ejif-6714	351	4	i.	i.	NOUN
ejif-6714	351	5	ghozali	ghozali	PROPN
ejif-6714	351	6	,	,	PUNCT
ejif-6714	351	7	«	«	PUNCT
ejif-6714	351	8	aplikasi	aplikasi	ADJ
ejif-6714	351	9	analisis	analisis	NOUN
ejif-6714	351	10	multivariate	multivariate	PROPN
ejif-6714	351	11	dengan	dengan	PROPN
ejif-6714	351	12	program	program	PROPN
ejif-6714	351	13	spss	spss	PROPN
ejif-6714	351	14	.	.	PUNCT
ejif-6714	352	1	semarang	semarang	PROPN
ejif-6714	352	2	:	:	PUNCT
ejif-6714	353	1	badan	badan	PROPN
ejif-6714	353	2	penerbit	penerbit	PROPN
ejif-6714	353	3	universitas	universita	NOUN
ejif-6714	353	4	diponegoro	diponegoro	PROPN
ejif-6714	353	5	.	.	PUNCT
ejif-6714	354	1	»	»	NOUN
ejif-6714	354	2	,	,	PUNCT
ejif-6714	354	3	2008	2008	NUM
ejif-6714	354	4	.	.	PUNCT
ejif-6714	355	1	[	[	X
ejif-6714	355	2	46	46	NUM
ejif-6714	355	3	]	]	PUNCT
ejif-6714	355	4	m.	m.	NOUN
ejif-6714	355	5	h.	h.	PROPN
ejif-6714	355	6	ibrahim	ibrahim	PROPN
ejif-6714	355	7	,	,	PUNCT
ejif-6714	355	8	k.	k.	PROPN
ejif-6714	355	9	salim	salim	PROPN
ejif-6714	355	10	,	,	PUNCT
ejif-6714	355	11	m.	m.	NOUN
ejif-6714	355	12	abojeib	abojeib	PROPN
ejif-6714	355	13	,	,	PUNCT
ejif-6714	355	14	e	e	PROPN
ejif-6714	355	15	l.	l.	PROPN
ejif-6714	355	16	w.	w.	PROPN
ejif-6714	355	17	yeap	yeap	PROPN
ejif-6714	355	18	,	,	PUNCT
ejif-6714	355	19	«	«	PUNCT
ejif-6714	355	20	structural	structural	ADJ
ejif-6714	355	21	changes	change	NOUN
ejif-6714	355	22	,	,	PUNCT
ejif-6714	355	23	competition	competition	NOUN
ejif-6714	355	24	and	and	CCONJ
ejif-6714	355	25	bank	bank	NOUN
ejif-6714	355	26	stability	stability	NOUN
ejif-6714	355	27	in	in	ADP
ejif-6714	355	28	malaysia	malaysia	PROPN
ejif-6714	355	29	’s	’s	PART
ejif-6714	355	30	dual	dual	ADJ
ejif-6714	355	31	banking	banking	NOUN
ejif-6714	355	32	system	system	NOUN
ejif-6714	355	33	»	»	NOUN
ejif-6714	355	34	,	,	PUNCT
ejif-6714	355	35	econ	econ	PROPN
ejif-6714	355	36	.	.	PUNCT
ejif-6714	355	37	syst	syst	PROPN
ejif-6714	355	38	.	.	PUNCT
ejif-6714	355	39	,	,	PUNCT
ejif-6714	355	40	vol	vol	NOUN
ejif-6714	355	41	.	.	PROPN
ejif-6714	355	42	43	43	NUM
ejif-6714	355	43	,	,	PUNCT
ejif-6714	355	44	fasc	fasc	PROPN
ejif-6714	355	45	.	.	PROPN
ejif-6714	355	46	1	1	NUM
ejif-6714	355	47	,	,	PUNCT
ejif-6714	355	48	pp	pp	ADJ
ejif-6714	355	49	.	.	PUNCT
ejif-6714	356	1	111–129	111–129	NUM
ejif-6714	356	2	,	,	PUNCT
ejif-6714	356	3	2019	2019	NUM
ejif-6714	356	4	,	,	PUNCT
ejif-6714	356	5	doi	doi	NOUN
ejif-6714	356	6	:	:	PUNCT
ejif-6714	356	7	10.1016	10.1016	NUM
ejif-6714	356	8	/	/	SYM
ejif-6714	356	9	j.ecosys.2018.09.001	j.ecosys.2018.09.001	PROPN
ejif-6714	356	10	.	.	PUNCT
ejif-6714	357	1	[	[	X
ejif-6714	357	2	47	47	NUM
ejif-6714	357	3	]	]	PUNCT
ejif-6714	357	4	l.	l.	PROPN
ejif-6714	357	5	nugroho	nugroho	PROPN
ejif-6714	357	6	,	,	PUNCT
ejif-6714	357	7	a.	a.	PROPN
ejif-6714	357	8	badawi	badawi	PROPN
ejif-6714	357	9	,	,	PUNCT
ejif-6714	357	10	n.	n.	PROPN
ejif-6714	357	11	hidayah	hidayah	PROPN
ejif-6714	357	12	,	,	PUNCT
ejif-6714	357	13	e	e	PROPN
ejif-6714	357	14	n.	n.	PROPN
ejif-6714	357	15	h.	h.	PROPN
ejif-6714	357	16	ahmad	ahmad	PROPN
ejif-6714	357	17	,	,	PUNCT
ejif-6714	357	18	«	«	PUNCT
ejif-6714	357	19	snapshot	snapshot	NOUN
ejif-6714	357	20	in	in	ADP
ejif-6714	357	21	customer	customer	NOUN
ejif-6714	357	22	deposit	deposit	NOUN
ejif-6714	357	23	of	of	ADP
ejif-6714	357	24	islamic	islamic	PROPN
ejif-6714	357	25	bank	bank	PROPN
ejif-6714	357	26	religion	religion	NOUN
ejif-6714	357	27	,	,	PUNCT
ejif-6714	357	28	age	age	NOUN
ejif-6714	357	29	,	,	PUNCT
ejif-6714	357	30	and	and	CCONJ
ejif-6714	357	31	gender	gender	NOUN
ejif-6714	357	32	as	as	ADP
ejif-6714	357	33	the	the	DET
ejif-6714	357	34	reflection	reflection	NOUN
ejif-6714	357	35	of	of	ADP
ejif-6714	357	36	pancasila	pancasila	PROPN
ejif-6714	357	37	five	five	NUM
ejif-6714	357	38	principles	principle	NOUN
ejif-6714	357	39	of	of	ADP
ejif-6714	357	40	indonesia	indonesia	PROPN
ejif-6714	357	41	nation	nation	PROPN
ejif-6714	357	42	»	»	PROPN
ejif-6714	357	43	,	,	PUNCT
ejif-6714	357	44	j.	j.	PROPN
ejif-6714	357	45	res	res	PROPN
ejif-6714	357	46	.	.	PUNCT
ejif-6714	358	1	bus	bus	PROPN
ejif-6714	358	2	.	.	PUNCT
ejif-6714	358	3	,	,	PUNCT
ejif-6714	358	4	vol	vol	NOUN
ejif-6714	358	5	.	.	PROPN
ejif-6714	358	6	5	5	NUM
ejif-6714	358	7	,	,	PUNCT
ejif-6714	358	8	fasc	fasc	PROPN
ejif-6714	358	9	.	.	PROPN
ejif-6714	358	10	1	1	NUM
ejif-6714	358	11	,	,	PUNCT
ejif-6714	358	12	pp	pp	ADJ
ejif-6714	358	13	.	.	PUNCT
ejif-6714	359	1	74–95	74–95	NUM
ejif-6714	359	2	,	,	PUNCT
ejif-6714	359	3	2020	2020	NUM
ejif-6714	359	4	,	,	PUNCT
ejif-6714	359	5	doi	doi	NOUN
ejif-6714	359	6	:	:	PUNCT
ejif-6714	359	7	10.35333	10.35333	NUM
ejif-6714	359	8	/	/	SYM
ejif-6714	359	9	jrb.2020.177	jrb.2020.177	PROPN
ejif-6714	359	10	.	.	PUNCT
ejif-6714	360	1	[	[	X
ejif-6714	360	2	48	48	NUM
ejif-6714	360	3	]	]	X
ejif-6714	360	4	g.	g.	NOUN
ejif-6714	360	5	zouari	zouari	PROPN
ejif-6714	360	6	e	e	PROPN
ejif-6714	360	7	m.	m.	PROPN
ejif-6714	360	8	abdelhedi	abdelhedi	PROPN
ejif-6714	360	9	,	,	PUNCT
ejif-6714	360	10	«	«	PUNCT
ejif-6714	360	11	customer	customer	NOUN
ejif-6714	360	12	satisfaction	satisfaction	NOUN
ejif-6714	360	13	in	in	ADP
ejif-6714	360	14	the	the	DET
ejif-6714	360	15	digital	digital	ADJ
ejif-6714	360	16	era	era	NOUN
ejif-6714	360	17	:	:	PUNCT
ejif-6714	360	18	evidence	evidence	NOUN
ejif-6714	360	19	from	from	ADP
ejif-6714	360	20	islamic	islamic	ADJ
ejif-6714	360	21	banking	banking	NOUN
ejif-6714	360	22	»	»	NOUN
ejif-6714	360	23	,	,	PUNCT
ejif-6714	360	24	j.	j.	PROPN
ejif-6714	360	25	innov	innov	PROPN
ejif-6714	360	26	.	.	PUNCT
ejif-6714	361	1	entrep	entrep	PROPN
ejif-6714	361	2	.	.	PROPN
ejif-6714	361	3	,	,	PUNCT
ejif-6714	361	4	vol	vol	NOUN
ejif-6714	361	5	.	.	PROPN
ejif-6714	361	6	10	10	NUM
ejif-6714	361	7	,	,	PUNCT
ejif-6714	361	8	fasc	fasc	PROPN
ejif-6714	361	9	.	.	PROPN
ejif-6714	361	10	1	1	NUM
ejif-6714	361	11	,	,	PUNCT
ejif-6714	361	12	2021	2021	NUM
ejif-6714	361	13	,	,	PUNCT
ejif-6714	361	14	doi	doi	NOUN
ejif-6714	361	15	:	:	PUNCT
ejif-6714	361	16	10.1186	10.1186	NUM
ejif-6714	361	17	/	/	SYM
ejif-6714	361	18	s13731021	s13731021	NUM
ejif-6714	361	19	-	-	PUNCT
ejif-6714	361	20	00151	00151	NUM
ejif-6714	361	21	-	-	PUNCT
ejif-6714	361	22	x.	x.	NOUN
ejif-6714	362	1	[	[	X
ejif-6714	362	2	49	49	NUM
ejif-6714	362	3	]	]	X
ejif-6714	362	4	f.	f.	PROPN
ejif-6714	362	5	maad	maad	PROPN
ejif-6714	362	6	,	,	PUNCT
ejif-6714	362	7	s.	s.	PROPN
ejif-6714	362	8	sumardjo	sumardjo	PROPN
ejif-6714	362	9	,	,	PUNCT
ejif-6714	362	10	a.	a.	NOUN
ejif-6714	362	11	saleh	saleh	NOUN
ejif-6714	362	12	,	,	PUNCT
ejif-6714	362	13	e	e	PROPN
ejif-6714	362	14	p.	p.	NOUN
ejif-6714	362	15	muljono	muljono	NOUN
ejif-6714	362	16	,	,	PUNCT
ejif-6714	362	17	«	«	PUNCT
ejif-6714	362	18	the	the	DET
ejif-6714	362	19	autonomous	autonomous	ADJ
ejif-6714	362	20	development	development	NOUN
ejif-6714	362	21	strategies	strategy	NOUN
ejif-6714	362	22	of	of	ADP
ejif-6714	362	23	micro	micro	ADJ
ejif-6714	362	24	and	and	CCONJ
ejif-6714	362	25	small	small	ADJ
ejif-6714	362	26	entrepreneurs	entrepreneur	NOUN
ejif-6714	362	27	through	through	ADP
ejif-6714	362	28	coorporate	coorporate	NOUN
ejif-6714	362	29	social	social	ADJ
ejif-6714	362	30	responsibility	responsibility	NOUN
ejif-6714	362	31	in	in	ADP
ejif-6714	362	32	bogor	bogor	PROPN
ejif-6714	362	33	district	district	PROPN
ejif-6714	362	34	of	of	ADP
ejif-6714	362	35	west	west	PROPN
ejif-6714	362	36	java	java	PROPN
ejif-6714	362	37	»	»	X
ejif-6714	362	38	,	,	PUNCT
ejif-6714	362	39	int	int	PROPN
ejif-6714	362	40	.	.	PUNCT
ejif-6714	363	1	j.	j.	PROPN
ejif-6714	363	2	sci	sci	PROPN
ejif-6714	363	3	.	.	PUNCT
ejif-6714	364	1	eng	eng	PROPN
ejif-6714	364	2	.	.	PROPN
ejif-6714	364	3	,	,	PUNCT
ejif-6714	364	4	vol	vol	NOUN
ejif-6714	364	5	.	.	PROPN
ejif-6714	364	6	7	7	NUM
ejif-6714	364	7	,	,	PUNCT
ejif-6714	364	8	fasc	fasc	PROPN
ejif-6714	364	9	.	.	PROPN
ejif-6714	364	10	1	1	NUM
ejif-6714	364	11	,	,	PUNCT
ejif-6714	364	12	pp	pp	ADJ
ejif-6714	364	13	.	.	PUNCT
ejif-6714	365	1	70–76	70–76	NUM
ejif-6714	365	2	,	,	PUNCT
ejif-6714	365	3	2014	2014	NUM
ejif-6714	365	4	,	,	PUNCT
ejif-6714	365	5	doi	doi	NOUN
ejif-6714	365	6	:	:	PUNCT
ejif-6714	365	7	10.12777	10.12777	NUM
ejif-6714	365	8	/	/	SYM
ejif-6714	365	9	ijse.7.1.70	ijse.7.1.70	NOUN
ejif-6714	365	10	-	-	PUNCT
ejif-6714	365	11	76	76	NUM
ejif-6714	365	12	.	.	PUNCT
ejif-6714	366	1	[	[	X
ejif-6714	366	2	50	50	NUM
ejif-6714	366	3	]	]	PUNCT
ejif-6714	366	4	l.	l.	PROPN
ejif-6714	366	5	nugroho	nugroho	PROPN
ejif-6714	366	6	,	,	PUNCT
ejif-6714	366	7	«	«	PUNCT
ejif-6714	366	8	kemandirian	kemandirian	PROPN
ejif-6714	366	9	umkm	umkm	PROPN
ejif-6714	366	10	dan	dan	PROPN
ejif-6714	366	11	kemandirian	kemandirian	PROPN
ejif-6714	366	12	ekonomi	ekonomi	PROPN
ejif-6714	366	13	bangsa	bangsa	PROPN
ejif-6714	366	14	»	»	VERB
ejif-6714	366	15	,	,	PUNCT
ejif-6714	366	16	in	in	ADP
ejif-6714	366	17	indonesia	indonesia	PROPN
ejif-6714	366	18	maju	maju	PROPN
ejif-6714	366	19	dan	dan	PROPN
ejif-6714	366	20	bangkit	bangkit	PROPN
ejif-6714	366	21	,	,	PUNCT
ejif-6714	366	22	1a	1a	PROPN
ejif-6714	366	23	ed	ed	NOUN
ejif-6714	366	24	.	.	PROPN
ejif-6714	366	25	,	,	PUNCT
ejif-6714	366	26	pasuruan	pasuruan	PROPN
ejif-6714	366	27	,	,	PUNCT
ejif-6714	366	28	jawa	jawa	PROPN
ejif-6714	366	29	timur	timur	PROPN
ejif-6714	366	30	,	,	PUNCT
ejif-6714	366	31	2020	2020	NUM
ejif-6714	366	32	,	,	PUNCT
ejif-6714	366	33	pp	pp	ADV
ejif-6714	366	34	.	.	PUNCT
ejif-6714	367	1	1–11	1–11	NOUN
ejif-6714	367	2	.	.	PUNCT
ejif-6714	368	1	[	[	X
ejif-6714	368	2	51	51	NUM
ejif-6714	368	3	]	]	X
ejif-6714	368	4	y.	y.	PROPN
ejif-6714	368	5	herliansyah	herliansyah	PROPN
ejif-6714	368	6	,	,	PUNCT
ejif-6714	368	7	l.	l.	PROPN
ejif-6714	368	8	nugroho	nugroho	PROPN
ejif-6714	368	9	,	,	PUNCT
ejif-6714	368	10	d.	d.	PROPN
ejif-6714	368	11	ardilla	ardilla	PROPN
ejif-6714	368	12	,	,	PUNCT
ejif-6714	368	13	e	e	PROPN
ejif-6714	368	14	y.	y.	PROPN
ejif-6714	368	15	m.	m.	PROPN
ejif-6714	368	16	putra	putra	PROPN
ejif-6714	368	17	,	,	PUNCT
ejif-6714	368	18	«	«	PUNCT
ejif-6714	368	19	the	the	DET
ejif-6714	368	20	determinants	determinant	NOUN
ejif-6714	368	21	of	of	ADP
ejif-6714	368	22	micro	micro	NOUN
ejif-6714	368	23	,	,	PUNCT
ejif-6714	368	24	small	small	ADJ
ejif-6714	368	25	and	and	CCONJ
ejif-6714	368	26	medium	medium	ADJ
ejif-6714	368	27	enterpreneur	enterpreneur	NOUN
ejif-6714	368	28	(	(	PUNCT
ejif-6714	368	29	msme	msme	NOUN
ejif-6714	368	30	)	)	PUNCT
ejif-6714	368	31	become	become	VERB
ejif-6714	368	32	customer	customer	NOUN
ejif-6714	368	33	of	of	ADP
ejif-6714	368	34	islamic	islamic	ADJ
ejif-6714	368	35	banks	bank	NOUN
ejif-6714	368	36	(	(	PUNCT
ejif-6714	368	37	religion	religion	NOUN
ejif-6714	368	38	,	,	PUNCT
ejif-6714	368	39	religiousity	religiousity	NOUN
ejif-6714	368	40	and	and	CCONJ
ejif-6714	368	41	location	location	NOUN
ejif-6714	368	42	of	of	ADP
ejif-6714	368	43	islamic	islamic	ADJ
ejif-6714	368	44	banks	bank	NOUN
ejif-6714	368	45	)	)	PUNCT
ejif-6714	368	46	»	»	ADV
ejif-6714	368	47	,	,	PUNCT
ejif-6714	368	48	in	in	ADP
ejif-6714	368	49	the	the	DET
ejif-6714	368	50	1st	1st	ADJ
ejif-6714	368	51	annual	annual	ADJ
ejif-6714	368	52	conference	conference	NOUN
ejif-6714	368	53	economics	economic	NOUN
ejif-6714	368	54	,	,	PUNCT
ejif-6714	368	55	business	business	NOUN
ejif-6714	368	56	,	,	PUNCT
ejif-6714	368	57	and	and	CCONJ
ejif-6714	368	58	social	social	ADJ
ejif-6714	368	59	sciences	science	NOUN
ejif-6714	368	60	,	,	PUNCT
ejif-6714	368	61	2020	2020	NUM
ejif-6714	368	62	,	,	PUNCT
ejif-6714	368	63	pp	pp	ADP
ejif-6714	368	64	.	.	PUNCT
ejif-6714	369	1	1–10	1–10	NOUN
ejif-6714	369	2	.	.	PUNCT
ejif-6714	370	1	doi	doi	NOUN
ejif-6714	370	2	:	:	PUNCT
ejif-6714	370	3	10.4108	10.4108	NUM
ejif-6714	370	4	/	/	SYM
ejif-6714	370	5	eai.26	eai.26	ADJ
ejif-6714	370	6	-	-	PUNCT
ejif-6714	370	7	3	3	NUM
ejif-6714	370	8	-	-	PUNCT
ejif-6714	370	9	2019.2290775	2019.2290775	NOUN
ejif-6714	370	10	.	.	PUNCT
ejif-6714	371	1	[	[	X
ejif-6714	371	2	52	52	NUM
ejif-6714	371	3	]	]	PUNCT
ejif-6714	371	4	r.	r.	PROPN
ejif-6714	371	5	suprapty	suprapty	PROPN
ejif-6714	371	6	et	et	PROPN
ejif-6714	371	7	al	al	PROPN
ejif-6714	371	8	.	.	PROPN
ejif-6714	371	9	,	,	PUNCT
ejif-6714	371	10	perbankan	perbankan	PROPN
ejif-6714	371	11	:	:	PUNCT
ejif-6714	371	12	hasil	hasil	PROPN
ejif-6714	371	13	pemikiran	pemikiran	PROPN
ejif-6714	371	14	dari	dari	PROPN
ejif-6714	371	15	para	para	PROPN
ejif-6714	371	16	dosen	dosen	PROPN
ejif-6714	371	17	berbagai	berbagai	PROPN
ejif-6714	371	18	perguruan	perguruan	PROPN
ejif-6714	371	19	tinggi	tinggi	PROPN
ejif-6714	371	20	di	di	PROPN
ejif-6714	371	21	indonesia	indonesia	PROPN
ejif-6714	371	22	,	,	PUNCT
ejif-6714	371	23	second	second	ADJ
ejif-6714	371	24	.	.	PUNCT
ejif-6714	371	25	,	,	PUNCT
ejif-6714	371	26	fasc	fasc	PROPN
ejif-6714	371	27	.	.	PROPN
ejif-6714	371	28	april	april	PROPN
ejif-6714	371	29	.	.	PUNCT
ejif-6714	372	1	sumatera	sumatera	PROPN
ejif-6714	372	2	utara	utara	NOUN
ejif-6714	372	3	:	:	PUNCT
ejif-6714	372	4	sihsawit	sihsawit	PROPN
ejif-6714	372	5	labuhan	labuhan	PROPN
ejif-6714	372	6	batu	batu	PROPN
ejif-6714	372	7	,	,	PUNCT
ejif-6714	372	8	2021	2021	NUM
ejif-6714	372	9	.	.	PUNCT
ejif-6714	373	1	[	[	X
ejif-6714	373	2	53	53	NUM
ejif-6714	373	3	]	]	PUNCT
ejif-6714	373	4	p.	p.	NOUN
ejif-6714	373	5	sahlberg	sahlberg	PROPN
ejif-6714	373	6	,	,	PUNCT
ejif-6714	373	7	«	«	PUNCT
ejif-6714	373	8	rethinking	rethink	VERB
ejif-6714	373	9	accountability	accountability	NOUN
ejif-6714	373	10	in	in	ADP
ejif-6714	373	11	a	a	DET
ejif-6714	373	12	knowledge	knowledge	NOUN
ejif-6714	373	13	society	society	NOUN
ejif-6714	373	14	»	»	NOUN
ejif-6714	373	15	,	,	PUNCT
ejif-6714	373	16	j.	j.	PROPN
ejif-6714	373	17	educ	educ	PROPN
ejif-6714	373	18	.	.	PUNCT
ejif-6714	374	1	change	change	NOUN
ejif-6714	374	2	,	,	PUNCT
ejif-6714	374	3	vol	vol	NOUN
ejif-6714	374	4	.	.	PROPN
ejif-6714	374	5	11	11	NUM
ejif-6714	374	6	,	,	PUNCT
ejif-6714	374	7	fasc	fasc	PROPN
ejif-6714	374	8	.	.	PROPN
ejif-6714	374	9	1	1	NUM
ejif-6714	374	10	,	,	PUNCT
ejif-6714	374	11	pp	pp	ADJ
ejif-6714	374	12	.	.	PUNCT
ejif-6714	375	1	45–61	45–61	NUM
ejif-6714	375	2	,	,	PUNCT
ejif-6714	375	3	2010	2010	NUM
ejif-6714	375	4	,	,	PUNCT
ejif-6714	375	5	doi	doi	NOUN
ejif-6714	375	6	:	:	PUNCT
ejif-6714	375	7	10.1007	10.1007	NUM
ejif-6714	375	8	/	/	SYM
ejif-6714	375	9	s10833	s10833	NOUN
ejif-6714	375	10	-	-	PUNCT
ejif-6714	375	11	008	008	NUM
ejif-6714	375	12	-	-	PUNCT
ejif-6714	375	13	9098	9098	NUM
ejif-6714	375	14	-	-	SYM
ejif-6714	375	15	2	2	NUM
ejif-6714	375	16	.	.	PUNCT
ejif-6714	376	1	[	[	X
ejif-6714	376	2	54	54	NUM
ejif-6714	376	3	]	]	PUNCT
ejif-6714	376	4	m.	m.	PROPN
ejif-6714	376	5	f.	f.	PROPN
ejif-6714	376	6	dulaimi	dulaimi	PROPN
ejif-6714	376	7	,	,	PUNCT
ejif-6714	376	8	m.	m.	NOUN
ejif-6714	376	9	p.	p.	PROPN
ejif-6714	376	10	nepal	nepal	PROPN
ejif-6714	376	11	,	,	PUNCT
ejif-6714	376	12	e	e	PROPN
ejif-6714	376	13	m.	m.	NOUN
ejif-6714	376	14	park	park	PROPN
ejif-6714	376	15	,	,	PUNCT
ejif-6714	376	16	«	«	PUNCT
ejif-6714	376	17	a	a	DET
ejif-6714	376	18	hierarchical	hierarchical	ADJ
ejif-6714	376	19	structural	structural	ADJ
ejif-6714	376	20	model	model	NOUN
ejif-6714	376	21	of	of	ADP
ejif-6714	376	22	assessing	assess	VERB
ejif-6714	376	23	innovation	innovation	NOUN
ejif-6714	376	24	and	and	CCONJ
ejif-6714	376	25	project	project	NOUN
ejif-6714	376	26	performance	performance	NOUN
ejif-6714	376	27	»	»	NOUN
ejif-6714	376	28	,	,	PUNCT
ejif-6714	376	29	constr	constr	NOUN
ejif-6714	376	30	.	.	PUNCT
ejif-6714	377	1	manag	manag	PROPN
ejif-6714	377	2	.	.	PUNCT
ejif-6714	378	1	econ	econ	PROPN
ejif-6714	378	2	.	.	PROPN
ejif-6714	378	3	,	,	PUNCT
ejif-6714	378	4	vol	vol	NOUN
ejif-6714	378	5	.	.	PROPN
ejif-6714	378	6	23	23	NUM
ejif-6714	378	7	,	,	PUNCT
ejif-6714	378	8	fasc	fasc	PROPN
ejif-6714	378	9	.	.	PROPN
ejif-6714	378	10	6	6	NUM
ejif-6714	378	11	,	,	PUNCT
ejif-6714	378	12	pp	pp	ADJ
ejif-6714	378	13	.	.	PUNCT
ejif-6714	379	1	565–577	565–577	NUM
ejif-6714	379	2	,	,	PUNCT
ejif-6714	379	3	2005	2005	NUM
ejif-6714	379	4	,	,	PUNCT
ejif-6714	379	5	doi	doi	NOUN
ejif-6714	379	6	:	:	PUNCT
ejif-6714	379	7	10.1080/01446190500126684	10.1080/01446190500126684	NUM
ejif-6714	379	8	.	.	PUNCT