id	sid	tid	token	lemma	pos
ejif-6816	1	1	european	european	PROPN
ejif-6816	1	2	journal	journal	PROPN
ejif-6816	1	3	of	of	ADP
ejif-6816	1	4	islamic	islamic	PROPN
ejif-6816	1	5	finance	finance	PROPN
ejif-6816	1	6	issn	issn	PROPN
ejif-6816	1	7	:	:	PUNCT
ejif-6816	1	8	2421	2421	NUM
ejif-6816	1	9	-	-	SYM
ejif-6816	1	10	2172	2172	NUM
ejif-6816	1	11	doi	doi	NOUN
ejif-6816	1	12	:	:	PUNCT
ejif-6816	1	13	10.13135/2421	10.13135/2421	NUM
ejif-6816	1	14	-	-	SYM
ejif-6816	1	15	2172/6816	2172/6816	NUM
ejif-6816	1	16	published	publish	VERB
ejif-6816	1	17	by	by	ADP
ejif-6816	1	18	the	the	DET
ejif-6816	1	19	university	university	PROPN
ejif-6816	1	20	of	of	ADP
ejif-6816	1	21	turin	turin	PROPN
ejif-6816	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	2	2	ejif	ejif	PROPN
ejif-6816	2	3	content	content	NOUN
ejif-6816	2	4	is	be	AUX
ejif-6816	2	5	licensed	license	VERB
ejif-6816	2	6	under	under	ADP
ejif-6816	2	7	a	a	DET
ejif-6816	2	8	creative	creative	ADJ
ejif-6816	2	9	commons	common	NOUN
ejif-6816	2	10	attribution	attribution	NOUN
ejif-6816	2	11	4.0	4.0	NUM
ejif-6816	2	12	international	international	ADJ
ejif-6816	2	13	license	license	NOUN
ejif-6816	2	14	received	receive	VERB
ejif-6816	2	15	:	:	PUNCT
ejif-6816	2	16	08/06/2022	08/06/2022	NOUN
ejif-6816	2	17	accepted	accept	VERB
ejif-6816	2	18	for	for	ADP
ejif-6816	2	19	publication	publication	NOUN
ejif-6816	2	20	:	:	PUNCT
ejif-6816	2	21	18/11/2022	18/11/2022	NUM
ejif-6816	2	22	published	publish	VERB
ejif-6816	2	23	:	:	PUNCT
ejif-6816	2	24	29/12/2022	29/12/2022	NUM
ejif-6816	2	25	14	14	NUM
ejif-6816	2	26	a	a	DET
ejif-6816	2	27	critical	critical	ADJ
ejif-6816	2	28	shariah	shariah	PROPN
ejif-6816	2	29	and	and	CCONJ
ejif-6816	2	30	maqasid	maqasid	ADJ
ejif-6816	2	31	appraisal	appraisal	NOUN
ejif-6816	2	32	of	of	ADP
ejif-6816	2	33	islamic	islamic	ADJ
ejif-6816	2	34	credit	credit	NOUN
ejif-6816	2	35	cards	card	NOUN
ejif-6816	2	36	abdulazeem	abdulazeem	VERB
ejif-6816	2	37	abozaid1	abozaid1	ADV
ejif-6816	2	38	,	,	PUNCT
ejif-6816	2	39	saqib	saqib	PROPN
ejif-6816	2	40	hafiz	hafiz	PROPN
ejif-6816	2	41	khateeb	khateeb	PROPN
ejif-6816	2	42	2	2	NUM
ejif-6816	2	43	1,2	1,2	NUM
ejif-6816	2	44	college	college	NOUN
ejif-6816	2	45	of	of	ADP
ejif-6816	2	46	islamic	islamic	PROPN
ejif-6816	2	47	studies	study	NOUN
ejif-6816	2	48	,	,	PUNCT
ejif-6816	2	49	hamad	hamad	PROPN
ejif-6816	2	50	bin	bin	PROPN
ejif-6816	2	51	khalifa	khalifa	PROPN
ejif-6816	2	52	university	university	PROPN
ejif-6816	2	53	,	,	PUNCT
ejif-6816	2	54	doha	doha	PROPN
ejif-6816	2	55	,	,	PUNCT
ejif-6816	2	56	qatar	qatar	PROPN
ejif-6816	2	57	contact	contact	NOUN
ejif-6816	2	58	author	author	NOUN
ejif-6816	2	59	1	1	NUM
ejif-6816	2	60	:	:	PUNCT
ejif-6816	2	61	abozaid.abdulazeem@gmail.com	abozaid.abdulazeem@gmail.com	X
ejif-6816	2	62	contact	contact	NOUN
ejif-6816	2	63	author	author	NOUN
ejif-6816	2	64	2	2	NUM
ejif-6816	2	65	:	:	PUNCT
ejif-6816	2	66	saqibhk1@gmail.com	saqibhk1@gmail.com	X
ejif-6816	2	67	abstract	abstract	ADJ
ejif-6816	2	68	islamic	islamic	ADJ
ejif-6816	2	69	banks	bank	NOUN
ejif-6816	2	70	and	and	CCONJ
ejif-6816	2	71	financial	financial	ADJ
ejif-6816	2	72	institutions	institution	NOUN
ejif-6816	2	73	have	have	AUX
ejif-6816	2	74	recently	recently	ADV
ejif-6816	2	75	started	start	VERB
ejif-6816	2	76	issuing	issue	VERB
ejif-6816	2	77	islamic	islamic	ADJ
ejif-6816	2	78	credit	credit	NOUN
ejif-6816	2	79	cards	card	NOUN
ejif-6816	2	80	as	as	ADP
ejif-6816	2	81	substitutes	substitute	NOUN
ejif-6816	2	82	for	for	ADP
ejif-6816	2	83	conventional	conventional	ADJ
ejif-6816	2	84	credit	credit	NOUN
ejif-6816	2	85	cards	card	NOUN
ejif-6816	2	86	after	after	ADP
ejif-6816	2	87	the	the	DET
ejif-6816	2	88	shariah	shariah	PROPN
ejif-6816	2	89	scholars	scholars	PROPN
ejif-6816	2	90	,	,	PUNCT
ejif-6816	2	91	due	due	ADP
ejif-6816	2	92	to	to	ADP
ejif-6816	2	93	the	the	DET
ejif-6816	2	94	riba	riba	NOUN
ejif-6816	2	95	involved	involve	VERB
ejif-6816	2	96	,	,	PUNCT
ejif-6816	2	97	unanimously	unanimously	ADV
ejif-6816	2	98	deemed	deem	VERB
ejif-6816	2	99	the	the	DET
ejif-6816	2	100	traditional	traditional	ADJ
ejif-6816	2	101	credit	credit	NOUN
ejif-6816	2	102	cards	card	NOUN
ejif-6816	2	103	unlawful	unlawful	ADJ
ejif-6816	2	104	.	.	PUNCT
ejif-6816	3	1	however	however	ADV
ejif-6816	3	2	,	,	PUNCT
ejif-6816	3	3	islamic	islamic	ADJ
ejif-6816	3	4	credit	credit	NOUN
ejif-6816	3	5	cards	card	NOUN
ejif-6816	3	6	have	have	VERB
ejif-6816	3	7	different	different	ADJ
ejif-6816	3	8	structures	structure	NOUN
ejif-6816	3	9	;	;	PUNCT
ejif-6816	3	10	some	some	PRON
ejif-6816	3	11	have	have	AUX
ejif-6816	3	12	been	be	AUX
ejif-6816	3	13	structured	structure	VERB
ejif-6816	3	14	based	base	VERB
ejif-6816	3	15	on	on	ADP
ejif-6816	3	16	eina	eina	NOUN
ejif-6816	3	17	or	or	CCONJ
ejif-6816	3	18	tawarruq	tawarruq	VERB
ejif-6816	3	19	sales	sale	NOUN
ejif-6816	3	20	even	even	ADV
ejif-6816	3	21	though	though	SCONJ
ejif-6816	3	22	these	these	DET
ejif-6816	3	23	two	two	NUM
ejif-6816	3	24	types	type	NOUN
ejif-6816	3	25	of	of	ADP
ejif-6816	3	26	deals	deal	NOUN
ejif-6816	3	27	were	be	AUX
ejif-6816	3	28	ruled	rule	VERB
ejif-6816	3	29	unlawful	unlawful	ADJ
ejif-6816	3	30	by	by	ADP
ejif-6816	3	31	the	the	DET
ejif-6816	3	32	fiqh	fiqh	PROPN
ejif-6816	3	33	academies	academy	NOUN
ejif-6816	3	34	.	.	PUNCT
ejif-6816	4	1	however	however	ADV
ejif-6816	4	2	,	,	PUNCT
ejif-6816	4	3	the	the	DET
ejif-6816	4	4	most	most	ADV
ejif-6816	4	5	common	common	ADJ
ejif-6816	4	6	structure	structure	NOUN
ejif-6816	4	7	of	of	ADP
ejif-6816	4	8	islamic	islamic	ADJ
ejif-6816	4	9	credit	credit	NOUN
ejif-6816	4	10	cards	card	NOUN
ejif-6816	4	11	is	be	AUX
ejif-6816	4	12	the	the	DET
ejif-6816	4	13	ijarah	ijarah	PROPN
ejif-6816	4	14	model	model	NOUN
ejif-6816	4	15	,	,	PUNCT
ejif-6816	4	16	where	where	SCONJ
ejif-6816	4	17	the	the	DET
ejif-6816	4	18	card	card	NOUN
ejif-6816	4	19	issuer	issuer	NOUN
ejif-6816	4	20	is	be	AUX
ejif-6816	4	21	deemed	deem	VERB
ejif-6816	4	22	a	a	DET
ejif-6816	4	23	lessor	lessor	NOUN
ejif-6816	4	24	of	of	ADP
ejif-6816	4	25	the	the	DET
ejif-6816	4	26	services	service	NOUN
ejif-6816	4	27	embedded	embed	VERB
ejif-6816	4	28	in	in	ADP
ejif-6816	4	29	the	the	DET
ejif-6816	4	30	credit	credit	NOUN
ejif-6816	4	31	card	card	NOUN
ejif-6816	4	32	,	,	PUNCT
ejif-6816	4	33	apart	apart	ADV
ejif-6816	4	34	from	from	ADP
ejif-6816	4	35	the	the	DET
ejif-6816	4	36	provision	provision	NOUN
ejif-6816	4	37	of	of	ADP
ejif-6816	4	38	credit	credit	NOUN
ejif-6816	4	39	,	,	PUNCT
ejif-6816	4	40	against	against	ADP
ejif-6816	4	41	fixed	fix	VERB
ejif-6816	4	42	periodical	periodical	ADJ
ejif-6816	4	43	fees	fee	NOUN
ejif-6816	4	44	.	.	PUNCT
ejif-6816	5	1	although	although	SCONJ
ejif-6816	5	2	this	this	DET
ejif-6816	5	3	structure	structure	NOUN
ejif-6816	5	4	seems	seem	VERB
ejif-6816	5	5	acceptable	acceptable	ADJ
ejif-6816	5	6	from	from	ADP
ejif-6816	5	7	a	a	DET
ejif-6816	5	8	shariah	shariah	PROPN
ejif-6816	5	9	point	point	NOUN
ejif-6816	5	10	of	of	ADP
ejif-6816	5	11	view	view	NOUN
ejif-6816	5	12	and	and	CCONJ
ejif-6816	5	13	has	have	AUX
ejif-6816	5	14	been	be	AUX
ejif-6816	5	15	endorsed	endorse	VERB
ejif-6816	5	16	by	by	ADP
ejif-6816	5	17	the	the	DET
ejif-6816	5	18	shariah	shariah	PROPN
ejif-6816	5	19	boards	board	NOUN
ejif-6816	5	20	of	of	ADP
ejif-6816	5	21	the	the	DET
ejif-6816	5	22	issuing	issue	VERB
ejif-6816	5	23	islamic	islamic	ADJ
ejif-6816	5	24	banks	bank	NOUN
ejif-6816	5	25	,	,	PUNCT
ejif-6816	5	26	it	it	PRON
ejif-6816	5	27	involves	involve	VERB
ejif-6816	5	28	some	some	DET
ejif-6816	5	29	issues	issue	NOUN
ejif-6816	5	30	that	that	PRON
ejif-6816	5	31	must	must	AUX
ejif-6816	5	32	be	be	AUX
ejif-6816	5	33	carefully	carefully	ADV
ejif-6816	5	34	addressed	address	VERB
ejif-6816	5	35	.	.	PUNCT
ejif-6816	6	1	the	the	DET
ejif-6816	6	2	paper	paper	NOUN
ejif-6816	6	3	elaborates	elaborate	VERB
ejif-6816	6	4	on	on	ADP
ejif-6816	6	5	these	these	DET
ejif-6816	6	6	critical	critical	ADJ
ejif-6816	6	7	issues	issue	NOUN
ejif-6816	6	8	and	and	CCONJ
ejif-6816	6	9	analyses	analyse	VERB
ejif-6816	6	10	the	the	DET
ejif-6816	6	11	different	different	ADJ
ejif-6816	6	12	contractual	contractual	ADJ
ejif-6816	6	13	relationships	relationship	NOUN
ejif-6816	6	14	involved	involve	VERB
ejif-6816	6	15	in	in	ADP
ejif-6816	6	16	these	these	DET
ejif-6816	6	17	cards	card	NOUN
ejif-6816	6	18	to	to	PART
ejif-6816	6	19	outline	outline	VERB
ejif-6816	6	20	the	the	DET
ejif-6816	6	21	prospectus	prospectus	NOUN
ejif-6816	6	22	of	of	ADP
ejif-6816	6	23	a	a	DET
ejif-6816	6	24	genuine	genuine	ADJ
ejif-6816	6	25	shariah	shariah	PROPN
ejif-6816	6	26	-	-	PUNCT
ejif-6816	6	27	compliant	compliant	ADJ
ejif-6816	6	28	credit	credit	NOUN
ejif-6816	6	29	card	card	NOUN
ejif-6816	6	30	.	.	PUNCT
ejif-6816	7	1	keywords	keyword	VERB
ejif-6816	7	2	credit	credit	NOUN
ejif-6816	7	3	card	card	NOUN
ejif-6816	7	4	,	,	PUNCT
ejif-6816	7	5	islamic	islamic	ADJ
ejif-6816	7	6	credit	credit	NOUN
ejif-6816	7	7	card	card	NOUN
ejif-6816	7	8	,	,	PUNCT
ejif-6816	7	9	islamic	islamic	ADJ
ejif-6816	7	10	finance	finance	NOUN
ejif-6816	7	11	,	,	PUNCT
ejif-6816	7	12	islamic	islamic	ADJ
ejif-6816	7	13	banking	banking	NOUN
ejif-6816	7	14	,	,	PUNCT
ejif-6816	7	15	islamic	islamic	ADJ
ejif-6816	7	16	product	product	PROPN
ejif-6816	7	17	development	development	PROPN
ejif-6816	7	18	i.	i.	PROPN
ejif-6816	7	19	introduction	introduction	PROPN
ejif-6816	7	20	islamic	islamic	PROPN
ejif-6816	7	21	finance	finance	PROPN
ejif-6816	7	22	is	be	AUX
ejif-6816	7	23	a	a	DET
ejif-6816	7	24	system	system	NOUN
ejif-6816	7	25	that	that	PRON
ejif-6816	7	26	identifies	identify	VERB
ejif-6816	7	27	and	and	CCONJ
ejif-6816	7	28	promotes	promote	VERB
ejif-6816	7	29	economic	economic	ADJ
ejif-6816	7	30	and	and	CCONJ
ejif-6816	7	31	financial	financial	ADJ
ejif-6816	7	32	tools	tool	NOUN
ejif-6816	7	33	and	and	CCONJ
ejif-6816	7	34	products	product	NOUN
ejif-6816	7	35	consistent	consistent	ADJ
ejif-6816	7	36	with	with	ADP
ejif-6816	7	37	sharia	sharia	PROPN
ejif-6816	7	38	's	's	PART
ejif-6816	7	39	principles	principle	NOUN
ejif-6816	7	40	.	.	PUNCT
ejif-6816	8	1	although	although	SCONJ
ejif-6816	8	2	islamic	islamic	ADJ
ejif-6816	8	3	financial	financial	ADJ
ejif-6816	8	4	institutions	institution	NOUN
ejif-6816	8	5	share	share	VERB
ejif-6816	8	6	similarities	similarity	NOUN
ejif-6816	8	7	with	with	ADP
ejif-6816	8	8	conventional	conventional	ADJ
ejif-6816	8	9	financial	financial	ADJ
ejif-6816	8	10	intermediaries	intermediary	NOUN
ejif-6816	8	11	as	as	SCONJ
ejif-6816	8	12	both	both	PRON
ejif-6816	8	13	are	be	AUX
ejif-6816	8	14	profit	profit	NOUN
ejif-6816	8	15	-	-	PUNCT
ejif-6816	8	16	maximising	maximise	VERB
ejif-6816	8	17	institutions	institution	NOUN
ejif-6816	8	18	and	and	CCONJ
ejif-6816	8	19	offer	offer	VERB
ejif-6816	8	20	traditional	traditional	ADJ
ejif-6816	8	21	banking	banking	NOUN
ejif-6816	8	22	services	service	NOUN
ejif-6816	8	23	.	.	PUNCT
ejif-6816	9	1	still	still	ADV
ejif-6816	9	2	,	,	PUNCT
ejif-6816	9	3	they	they	PRON
ejif-6816	9	4	differ	differ	VERB
ejif-6816	9	5	in	in	ADP
ejif-6816	9	6	some	some	PRON
ejif-6816	9	7	of	of	ADP
ejif-6816	9	8	the	the	DET
ejif-6816	9	9	principles	principle	NOUN
ejif-6816	9	10	under	under	ADP
ejif-6816	9	11	which	which	PRON
ejif-6816	9	12	they	they	PRON
ejif-6816	9	13	operate	operate	VERB
ejif-6816	9	14	.	.	PUNCT
ejif-6816	10	1	islamic	islamic	ADJ
ejif-6816	10	2	principles	principle	NOUN
ejif-6816	10	3	require	require	VERB
ejif-6816	10	4	that	that	SCONJ
ejif-6816	10	5	earnings	earning	NOUN
ejif-6816	10	6	come	come	VERB
ejif-6816	10	7	from	from	ADP
ejif-6816	10	8	permissible	permissible	ADJ
ejif-6816	10	9	means	mean	NOUN
ejif-6816	10	10	and	and	CCONJ
ejif-6816	10	11	be	be	AUX
ejif-6816	10	12	spent	spend	VERB
ejif-6816	10	13	on	on	ADP
ejif-6816	10	14	good	good	ADJ
ejif-6816	10	15	categories	category	NOUN
ejif-6816	10	16	of	of	ADP
ejif-6816	10	17	expenditure	expenditure	NOUN
ejif-6816	10	18	allowed	allow	VERB
ejif-6816	10	19	in	in	ADP
ejif-6816	10	20	sharia	sharia	PROPN
ejif-6816	10	21	.	.	PUNCT
ejif-6816	11	1	generally	generally	ADV
ejif-6816	11	2	,	,	PUNCT
ejif-6816	11	3	islam	islam	PROPN
ejif-6816	11	4	prohibits	prohibit	VERB
ejif-6816	11	5	investing	invest	VERB
ejif-6816	11	6	in	in	ADP
ejif-6816	11	7	businesses	business	NOUN
ejif-6816	11	8	that	that	PRON
ejif-6816	11	9	are	be	AUX
ejif-6816	11	10	considered	consider	VERB
ejif-6816	11	11	unethical	unethical	ADJ
ejif-6816	11	12	or	or	CCONJ
ejif-6816	11	13	are	be	AUX
ejif-6816	11	14	contrary	contrary	ADJ
ejif-6816	11	15	to	to	ADP
ejif-6816	11	16	the	the	DET
ejif-6816	11	17	islamic	islamic	ADJ
ejif-6816	11	18	ethical	ethical	ADJ
ejif-6816	11	19	teachings	teaching	NOUN
ejif-6816	11	20	and	and	CCONJ
ejif-6816	11	21	values	value	NOUN
ejif-6816	11	22	,	,	PUNCT
ejif-6816	11	23	like	like	ADP
ejif-6816	11	24	dealing	deal	VERB
ejif-6816	11	25	with	with	ADP
ejif-6816	11	26	riba	riba	PROPN
ejif-6816	11	27	(	(	PUNCT
ejif-6816	11	28	usury	usury	NOUN
ejif-6816	11	29	/	/	SYM
ejif-6816	11	30	interest	interest	NOUN
ejif-6816	11	31	)	)	PUNCT
ejif-6816	11	32	,	,	PUNCT
ejif-6816	11	33	gharar	gharar	NOUN
ejif-6816	11	34	(	(	PUNCT
ejif-6816	11	35	speculation	speculation	NOUN
ejif-6816	11	36	/	/	SYM
ejif-6816	11	37	uncertainty	uncertainty	NOUN
ejif-6816	11	38	)	)	PUNCT
ejif-6816	11	39	,	,	PUNCT
ejif-6816	11	40	maysir	maysir	NOUN
ejif-6816	11	41	(	(	PUNCT
ejif-6816	11	42	gambling	gambling	NOUN
ejif-6816	11	43	)	)	PUNCT
ejif-6816	11	44	,	,	PUNCT
ejif-6816	11	45	and	and	CCONJ
ejif-6816	11	46	investing	invest	VERB
ejif-6816	11	47	in	in	ADP
ejif-6816	11	48	unpermitted	unpermitted	ADJ
ejif-6816	11	49	activities	activity	NOUN
ejif-6816	11	50	and	and	CCONJ
ejif-6816	11	51	businesses	business	NOUN
ejif-6816	11	52	in	in	ADP
ejif-6816	11	53	islam	islam	PROPN
ejif-6816	11	54	,	,	PUNCT
ejif-6816	11	55	like	like	ADP
ejif-6816	11	56	alcohol	alcohol	NOUN
ejif-6816	11	57	,	,	PUNCT
ejif-6816	11	58	tobacco	tobacco	NOUN
ejif-6816	11	59	,	,	PUNCT
ejif-6816	11	60	pork	pork	NOUN
ejif-6816	11	61	-	-	PUNCT
ejif-6816	11	62	related	relate	VERB
ejif-6816	11	63	products	product	NOUN
ejif-6816	11	64	,	,	PUNCT
ejif-6816	11	65	and	and	CCONJ
ejif-6816	11	66	pornography	pornography	NOUN
ejif-6816	11	67	etc	etc	X
ejif-6816	11	68	.	.	PUNCT
ejif-6816	12	1	[	[	X
ejif-6816	12	2	1	1	NUM
ejif-6816	12	3	]	]	PUNCT
ejif-6816	12	4	.	.	PUNCT
ejif-6816	13	1	moreover	moreover	ADV
ejif-6816	13	2	,	,	PUNCT
ejif-6816	13	3	its	its	PRON
ejif-6816	13	4	investments	investment	NOUN
ejif-6816	13	5	should	should	AUX
ejif-6816	13	6	be	be	AUX
ejif-6816	13	7	asset	asset	NOUN
ejif-6816	13	8	-	-	PUNCT
ejif-6816	13	9	backed	back	VERB
ejif-6816	13	10	or	or	CCONJ
ejif-6816	13	11	identified	identify	VERB
ejif-6816	13	12	as	as	ADP
ejif-6816	13	13	an	an	DET
ejif-6816	13	14	underlying	underlying	ADJ
ejif-6816	13	15	tangible	tangible	ADJ
ejif-6816	13	16	asset	asset	NOUN
ejif-6816	13	17	,	,	PUNCT
ejif-6816	13	18	and	and	CCONJ
ejif-6816	13	19	a	a	DET
ejif-6816	13	20	proper	proper	ADJ
ejif-6816	13	21	application	application	NOUN
ejif-6816	13	22	of	of	ADP
ejif-6816	13	23	the	the	DET
ejif-6816	13	24	profit	profit	NOUN
ejif-6816	13	25	and	and	CCONJ
ejif-6816	13	26	loss	loss	NOUN
ejif-6816	13	27	-	-	PUNCT
ejif-6816	13	28	sharing	share	VERB
ejif-6816	13	29	concept	concept	NOUN
ejif-6816	13	30	should	should	AUX
ejif-6816	13	31	be	be	AUX
ejif-6816	13	32	maintained	maintain	VERB
ejif-6816	13	33	[	[	PUNCT
ejif-6816	13	34	2	2	NUM
ejif-6816	13	35	]	]	PUNCT
ejif-6816	13	36	.	.	PUNCT
ejif-6816	14	1	islamic	islamic	ADJ
ejif-6816	14	2	economics	economic	NOUN
ejif-6816	14	3	mainly	mainly	ADV
ejif-6816	14	4	regards	regard	VERB
ejif-6816	14	5	wealth	wealth	NOUN
ejif-6816	14	6	as	as	ADP
ejif-6816	14	7	a	a	DET
ejif-6816	14	8	means	mean	NOUN
ejif-6816	14	9	for	for	ADP
ejif-6816	14	10	achieving	achieve	VERB
ejif-6816	14	11	justice	justice	NOUN
ejif-6816	14	12	,	,	PUNCT
ejif-6816	14	13	equality	equality	NOUN
ejif-6816	14	14	,	,	PUNCT
ejif-6816	14	15	fairness	fairness	NOUN
ejif-6816	14	16	,	,	PUNCT
ejif-6816	14	17	and	and	CCONJ
ejif-6816	14	18	economic	economic	ADJ
ejif-6816	14	19	equilibrium	equilibrium	NOUN
ejif-6816	14	20	in	in	ADP
ejif-6816	14	21	society	society	NOUN
ejif-6816	14	22	.	.	PUNCT
ejif-6816	15	1	islam	islam	PROPN
ejif-6816	15	2	does	do	AUX
ejif-6816	15	3	not	not	PART
ejif-6816	15	4	discourage	discourage	VERB
ejif-6816	15	5	maximising	maximise	VERB
ejif-6816	15	6	wealth	wealth	NOUN
ejif-6816	15	7	if	if	SCONJ
ejif-6816	15	8	it	it	PRON
ejif-6816	15	9	does	do	AUX
ejif-6816	15	10	not	not	PART
ejif-6816	15	11	create	create	VERB
ejif-6816	15	12	a	a	DET
ejif-6816	15	13	situation	situation	NOUN
ejif-6816	15	14	of	of	ADP
ejif-6816	15	15	social	social	ADJ
ejif-6816	15	16	distortion	distortion	NOUN
ejif-6816	15	17	or	or	CCONJ
ejif-6816	15	18	violate	violate	VERB
ejif-6816	15	19	the	the	DET
ejif-6816	15	20	norms	norm	NOUN
ejif-6816	15	21	of	of	ADP
ejif-6816	15	22	islamic	islamic	ADJ
ejif-6816	15	23	justice	justice	PROPN
ejif-6816	15	24	.	.	PUNCT
ejif-6816	16	1	elbassiouny	elbassiouny	PROPN
ejif-6816	17	1	[	[	X
ejif-6816	17	2	3	3	X
ejif-6816	17	3	]	]	X
ejif-6816	17	4	summarises	summarise	NOUN
ejif-6816	17	5	that	that	SCONJ
ejif-6816	17	6	islamic	islamic	PROPN
ejif-6816	17	7	finance	finance	PROPN
ejif-6816	17	8	's	's	PART
ejif-6816	17	9	comprehensive	comprehensive	ADJ
ejif-6816	17	10	goal	goal	NOUN
ejif-6816	17	11	is	be	AUX
ejif-6816	17	12	avoiding	avoid	VERB
ejif-6816	17	13	harm	harm	NOUN
ejif-6816	17	14	to	to	ADP
ejif-6816	17	15	all	all	DET
ejif-6816	17	16	humanity	humanity	NOUN
ejif-6816	17	17	and	and	CCONJ
ejif-6816	17	18	promoting	promote	VERB
ejif-6816	17	19	its	its	PRON
ejif-6816	17	20	properties	property	NOUN
ejif-6816	17	21	.	.	PUNCT
ejif-6816	18	1	speaking	speak	VERB
ejif-6816	18	2	of	of	ADP
ejif-6816	18	3	the	the	DET
ejif-6816	18	4	objectives	objective	NOUN
ejif-6816	18	5	of	of	ADP
ejif-6816	18	6	islam	islam	PROPN
ejif-6816	18	7	,	,	PUNCT
ejif-6816	18	8	around	around	ADP
ejif-6816	18	9	which	which	PRON
ejif-6816	18	10	the	the	DET
ejif-6816	18	11	general	general	ADJ
ejif-6816	18	12	rules	rule	NOUN
ejif-6816	18	13	of	of	ADP
ejif-6816	18	14	islam	islam	PROPN
ejif-6816	18	15	are	be	AUX
ejif-6816	18	16	based	base	VERB
ejif-6816	18	17	,	,	PUNCT
ejif-6816	18	18	dusuki	dusuki	NOUN
ejif-6816	18	19	,	,	PUNCT
ejif-6816	18	20	and	and	CCONJ
ejif-6816	18	21	abdullah	abdullah	PROPN
ejif-6816	18	22	[	[	X
ejif-6816	18	23	4	4	NUM
ejif-6816	18	24	]	]	PUNCT
ejif-6816	18	25	refer	refer	VERB
ejif-6816	18	26	that	that	SCONJ
ejif-6816	18	27	the	the	DET
ejif-6816	18	28	key	key	ADJ
ejif-6816	18	29	objectives	objective	NOUN
ejif-6816	18	30	include	include	VERB
ejif-6816	18	31	safeguarding	safeguard	VERB
ejif-6816	18	32	the	the	DET
ejif-6816	18	33	religion	religion	NOUN
ejif-6816	18	34	,	,	PUNCT
ejif-6816	18	35	the	the	DET
ejif-6816	18	36	intellect	intellect	NOUN
ejif-6816	18	37	,	,	PUNCT
ejif-6816	18	38	the	the	DET
ejif-6816	18	39	human	human	ADJ
ejif-6816	18	40	self	self	NOUN
ejif-6816	18	41	,	,	PUNCT
ejif-6816	18	42	the	the	DET
ejif-6816	18	43	progeny	progeny	NOUN
ejif-6816	18	44	,	,	PUNCT
ejif-6816	18	45	and	and	CCONJ
ejif-6816	18	46	wealth	wealth	NOUN
ejif-6816	18	47	.	.	PUNCT
ejif-6816	19	1	in	in	ADP
ejif-6816	19	2	islamic	islamic	ADJ
ejif-6816	19	3	financial	financial	ADJ
ejif-6816	19	4	institutions	institution	NOUN
ejif-6816	19	5	,	,	PUNCT
ejif-6816	19	6	adherence	adherence	NOUN
ejif-6816	19	7	to	to	ADP
ejif-6816	19	8	shariah	shariah	PROPN
ejif-6816	19	9	principles	principle	NOUN
ejif-6816	19	10	is	be	AUX
ejif-6816	19	11	monitored	monitor	VERB
ejif-6816	19	12	by	by	ADP
ejif-6816	19	13	either	either	CCONJ
ejif-6816	19	14	an	an	DET
ejif-6816	19	15	internal	internal	ADJ
ejif-6816	19	16	or	or	CCONJ
ejif-6816	19	17	external	external	ADJ
ejif-6816	19	18	shariah	shariah	PROPN
ejif-6816	19	19	supervisory	supervisory	ADJ
ejif-6816	19	20	board	board	NOUN
ejif-6816	19	21	(	(	PUNCT
ejif-6816	19	22	ssb	ssb	PROPN
ejif-6816	19	23	)	)	PUNCT
ejif-6816	19	24	.	.	PUNCT
ejif-6816	20	1	this	this	DET
ejif-6816	20	2	board	board	NOUN
ejif-6816	20	3	is	be	AUX
ejif-6816	20	4	a	a	DET
ejif-6816	20	5	panel	panel	NOUN
ejif-6816	20	6	of	of	ADP
ejif-6816	20	7	shariah	shariah	PROPN
ejif-6816	20	8	scholars	scholar	NOUN
ejif-6816	20	9	who	who	PRON
ejif-6816	20	10	assess	assess	VERB
ejif-6816	20	11	the	the	DET
ejif-6816	20	12	products	product	NOUN
ejif-6816	20	13	and	and	CCONJ
ejif-6816	20	14	practices	practice	NOUN
ejif-6816	20	15	of	of	ADP
ejif-6816	20	16	the	the	DET
ejif-6816	20	17	institution	institution	NOUN
ejif-6816	20	18	and	and	CCONJ
ejif-6816	20	19	conclude	conclude	VERB
ejif-6816	20	20	about	about	ADP
ejif-6816	20	21	the	the	DET
ejif-6816	20	22	institution	institution	NOUN
ejif-6816	20	23	’s	’s	PART
ejif-6816	20	24	compliance	compliance	NOUN
ejif-6816	20	25	with	with	ADP
ejif-6816	20	26	the	the	DET
ejif-6816	20	27	shariah	shariah	PROPN
ejif-6816	20	28	requirements	requirement	NOUN
ejif-6816	20	29	[	[	X
ejif-6816	20	30	5	5	NUM
ejif-6816	20	31	]	]	PUNCT
ejif-6816	20	32	.	.	PUNCT
ejif-6816	21	1	islamic	islamic	ADJ
ejif-6816	21	2	finance	finance	PROPN
ejif-6816	21	3	is	be	AUX
ejif-6816	21	4	the	the	DET
ejif-6816	21	5	fastest	fast	ADV
ejif-6816	21	6	-	-	PUNCT
ejif-6816	21	7	growing	grow	VERB
ejif-6816	21	8	sector	sector	NOUN
ejif-6816	21	9	of	of	ADP
ejif-6816	21	10	finance	finance	NOUN
ejif-6816	21	11	in	in	ADP
ejif-6816	21	12	the	the	DET
ejif-6816	21	13	world	world	NOUN
ejif-6816	21	14	.	.	PUNCT
ejif-6816	22	1	although	although	SCONJ
ejif-6816	22	2	it	it	PRON
ejif-6816	22	3	started	start	VERB
ejif-6816	22	4	in	in	ADP
ejif-6816	22	5	muslim	muslim	ADJ
ejif-6816	22	6	countries	country	NOUN
ejif-6816	22	7	,	,	PUNCT
ejif-6816	22	8	it	it	PRON
ejif-6816	22	9	has	have	AUX
ejif-6816	22	10	also	also	ADV
ejif-6816	22	11	spread	spread	VERB
ejif-6816	22	12	to	to	ADP
ejif-6816	22	13	non	non	ADJ
ejif-6816	22	14	-	-	ADJ
ejif-6816	22	15	muslim	muslim	ADJ
ejif-6816	22	16	countries	country	NOUN
ejif-6816	22	17	and	and	CCONJ
ejif-6816	22	18	serves	serve	VERB
ejif-6816	22	19	muslims	muslims	PROPN
ejif-6816	22	20	and	and	CCONJ
ejif-6816	22	21	non	non	NOUN
ejif-6816	22	22	-	-	NOUN
ejif-6816	22	23	muslims	muslim	NOUN
ejif-6816	22	24	alike	alike	ADV
ejif-6816	22	25	.	.	PUNCT
ejif-6816	23	1	muslims	muslim	NOUN
ejif-6816	23	2	count	count	VERB
ejif-6816	23	3	for	for	ADP
ejif-6816	23	4	around	around	ADV
ejif-6816	23	5	24	24	NUM
ejif-6816	23	6	%	%	NOUN
ejif-6816	23	7	of	of	ADP
ejif-6816	23	8	the	the	DET
ejif-6816	23	9	global	global	ADJ
ejif-6816	23	10	population	population	NOUN
ejif-6816	23	11	,	,	PUNCT
ejif-6816	23	12	and	and	CCONJ
ejif-6816	23	13	islam	islam	PROPN
ejif-6816	23	14	is	be	AUX
ejif-6816	23	15	the	the	DET
ejif-6816	23	16	world	world	NOUN
ejif-6816	23	17	’s	’s	PART
ejif-6816	23	18	secondlargest	secondlargest	NOUN
ejif-6816	23	19	religion	religion	NOUN
ejif-6816	23	20	,	,	PUNCT
ejif-6816	23	21	with	with	ADP
ejif-6816	23	22	the	the	DET
ejif-6816	23	23	fastest	fast	ADJ
ejif-6816	23	24	growth	growth	NOUN
ejif-6816	23	25	rate	rate	NOUN
ejif-6816	23	26	,	,	PUNCT
ejif-6816	23	27	according	accord	VERB
ejif-6816	23	28	to	to	ADP
ejif-6816	23	29	a	a	DET
ejif-6816	23	30	pew	pew	NOUN
ejif-6816	23	31	research	research	NOUN
ejif-6816	23	32	center	center	NOUN
ejif-6816	23	33	’s	’s	PART
ejif-6816	23	34	2011	2011	NUM
ejif-6816	23	35	report	report	NOUN
ejif-6816	23	36	[	[	X
ejif-6816	23	37	6	6	NUM
ejif-6816	23	38	]	]	PUNCT
ejif-6816	23	39	.	.	PUNCT
ejif-6816	24	1	these	these	DET
ejif-6816	24	2	factors	factor	NOUN
ejif-6816	24	3	have	have	AUX
ejif-6816	24	4	also	also	ADV
ejif-6816	24	5	assisted	assist	VERB
ejif-6816	24	6	in	in	ADP
ejif-6816	24	7	the	the	DET
ejif-6816	24	8	remarkable	remarkable	ADJ
ejif-6816	24	9	growth	growth	NOUN
ejif-6816	24	10	of	of	ADP
ejif-6816	24	11	the	the	DET
ejif-6816	24	12	industry	industry	NOUN
ejif-6816	24	13	worldwide	worldwide	ADV
ejif-6816	24	14	.	.	PUNCT
ejif-6816	25	1	moreover	moreover	ADV
ejif-6816	25	2	,	,	PUNCT
ejif-6816	25	3	biancone	biancone	NOUN
ejif-6816	25	4	and	and	CCONJ
ejif-6816	25	5	radwan	radwan	VERB
ejif-6816	25	6	’s	’s	PART
ejif-6816	25	7	[	[	X
ejif-6816	25	8	7	7	NUM
ejif-6816	25	9	]	]	PUNCT
ejif-6816	25	10	study	study	NOUN
ejif-6816	25	11	points	point	VERB
ejif-6816	25	12	out	out	ADP
ejif-6816	25	13	that	that	SCONJ
ejif-6816	25	14	countries	country	NOUN
ejif-6816	25	15	worldwide	worldwide	ADV
ejif-6816	25	16	are	be	AUX
ejif-6816	25	17	looking	look	VERB
ejif-6816	25	18	to	to	PART
ejif-6816	25	19	introduce	introduce	VERB
ejif-6816	25	20	islamic	islamic	ADJ
ejif-6816	25	21	finance	finance	NOUN
ejif-6816	25	22	as	as	ADP
ejif-6816	25	23	an	an	DET
ejif-6816	25	24	alternative	alternative	ADJ
ejif-6816	25	25	financial	financial	ADJ
ejif-6816	25	26	system	system	NOUN
ejif-6816	25	27	after	after	ADP
ejif-6816	25	28	the	the	DET
ejif-6816	25	29	recent	recent	ADJ
ejif-6816	25	30	financial	financial	ADJ
ejif-6816	25	31	crisis	crisis	NOUN
ejif-6816	25	32	.	.	PUNCT
ejif-6816	26	1	this	this	PRON
ejif-6816	26	2	is	be	AUX
ejif-6816	26	3	because	because	SCONJ
ejif-6816	26	4	,	,	PUNCT
ejif-6816	26	5	despite	despite	SCONJ
ejif-6816	26	6	the	the	DET
ejif-6816	26	7	latest	late	ADJ
ejif-6816	26	8	financial	financial	ADJ
ejif-6816	26	9	crisis	crisis	NOUN
ejif-6816	26	10	that	that	PRON
ejif-6816	26	11	caused	cause	VERB
ejif-6816	26	12	difficulties	difficulty	NOUN
ejif-6816	26	13	for	for	ADP
ejif-6816	26	14	many	many	ADJ
ejif-6816	26	15	conventional	conventional	ADJ
ejif-6816	26	16	banks	bank	NOUN
ejif-6816	26	17	worldwide	worldwide	ADV
ejif-6816	26	18	,	,	PUNCT
ejif-6816	26	19	yilmaz	yilmaz	PROPN
ejif-6816	27	1	[	[	X
ejif-6816	27	2	8	8	NUM
ejif-6816	27	3	]	]	PUNCT
ejif-6816	27	4	claims	claim	VERB
ejif-6816	27	5	that	that	SCONJ
ejif-6816	27	6	islamic	islamic	ADJ
ejif-6816	27	7	banks	bank	NOUN
ejif-6816	27	8	were	be	AUX
ejif-6816	27	9	broadly	broadly	ADV
ejif-6816	27	10	safe	safe	ADJ
ejif-6816	27	11	from	from	ADP
ejif-6816	27	12	the	the	DET
ejif-6816	27	13	situation	situation	NOUN
ejif-6816	27	14	,	,	PUNCT
ejif-6816	27	15	courtesy	courtesy	NOUN
ejif-6816	27	16	of	of	ADP
ejif-6816	27	17	their	their	PRON
ejif-6816	27	18	prudent	prudent	ADJ
ejif-6816	27	19	financial	financial	ADJ
ejif-6816	27	20	behaviours	behaviour	NOUN
ejif-6816	27	21	.	.	PUNCT
ejif-6816	28	1	the	the	DET
ejif-6816	28	2	islamic	islamic	PROPN
ejif-6816	28	3	finance	finance	NOUN
ejif-6816	28	4	industry	industry	NOUN
ejif-6816	28	5	has	have	AUX
ejif-6816	28	6	experienced	experience	VERB
ejif-6816	28	7	exponential	exponential	ADJ
ejif-6816	28	8	growth	growth	NOUN
ejif-6816	28	9	in	in	ADP
ejif-6816	28	10	recent	recent	ADJ
ejif-6816	28	11	years	year	NOUN
ejif-6816	28	12	,	,	PUNCT
ejif-6816	28	13	and	and	CCONJ
ejif-6816	28	14	the	the	DET
ejif-6816	28	15	assets	asset	NOUN
ejif-6816	28	16	held	hold	VERB
ejif-6816	28	17	under	under	ADP
ejif-6816	28	18	islamic	islamic	PROPN
ejif-6816	28	19	finance	finance	NOUN
ejif-6816	28	20	management	management	NOUN
ejif-6816	28	21	have	have	AUX
ejif-6816	28	22	already	already	ADV
ejif-6816	28	23	crossed	cross	VERB
ejif-6816	28	24	reuters	reuter	NOUN
ejif-6816	28	25	’	'	PUNCT
ejif-6816	29	1	[	[	X
ejif-6816	29	2	9	9	NUM
ejif-6816	29	3	]	]	PUNCT
ejif-6816	29	4	expectation	expectation	NOUN
ejif-6816	29	5	of	of	ADP
ejif-6816	29	6	$	$	SYM
ejif-6816	29	7	1	1	NUM
ejif-6816	29	8	trillion	trillion	NUM
ejif-6816	29	9	.	.	PUNCT
ejif-6816	30	1	conventional	conventional	ADJ
ejif-6816	30	2	financial	financial	ADJ
ejif-6816	30	3	institutions	institution	NOUN
ejif-6816	30	4	have	have	AUX
ejif-6816	30	5	extended	extend	VERB
ejif-6816	30	6	their	their	PRON
ejif-6816	30	7	operations	operation	NOUN
ejif-6816	30	8	to	to	PART
ejif-6816	30	9	provide	provide	VERB
ejif-6816	30	10	islamic	islamic	ADJ
ejif-6816	30	11	financial	financial	ADJ
ejif-6816	30	12	products	product	NOUN
ejif-6816	30	13	catering	cater	VERB
ejif-6816	30	14	to	to	ADP
ejif-6816	30	15	islamic	islamic	ADJ
ejif-6816	30	16	investors	investor	NOUN
ejif-6816	30	17	.	.	PUNCT
ejif-6816	31	1	biancone	biancone	NOUN
ejif-6816	31	2	and	and	CCONJ
ejif-6816	31	3	radwan	radwan	VERB
ejif-6816	31	4	[	[	X
ejif-6816	31	5	10	10	NUM
ejif-6816	31	6	]	]	PUNCT
ejif-6816	31	7	highlight	highlight	NOUN
ejif-6816	31	8	that	that	SCONJ
ejif-6816	31	9	entrepreneurs	entrepreneur	NOUN
ejif-6816	31	10	financed	finance	VERB
ejif-6816	31	11	by	by	ADP
ejif-6816	31	12	banks	bank	NOUN
ejif-6816	31	13	have	have	AUX
ejif-6816	31	14	been	be	AUX
ejif-6816	31	15	gradually	gradually	ADV
ejif-6816	31	16	increasing	increase	VERB
ejif-6816	31	17	in	in	ADP
ejif-6816	31	18	most	most	ADJ
ejif-6816	31	19	countries	country	NOUN
ejif-6816	31	20	where	where	SCONJ
ejif-6816	31	21	islamic	islamic	ADJ
ejif-6816	31	22	banks	bank	NOUN
ejif-6816	31	23	operate	operate	VERB
ejif-6816	31	24	,	,	PUNCT
ejif-6816	31	25	for	for	ADP
ejif-6816	31	26	example	example	NOUN
ejif-6816	31	27	,	,	PUNCT
ejif-6816	31	28	the	the	DET
ejif-6816	31	29	united	united	PROPN
ejif-6816	31	30	kingdom	kingdom	PROPN
ejif-6816	31	31	and	and	CCONJ
ejif-6816	31	32	switzerland	switzerland	PROPN
ejif-6816	31	33	,	,	PUNCT
ejif-6816	31	34	where	where	SCONJ
ejif-6816	31	35	there	there	PRON
ejif-6816	31	36	is	be	VERB
ejif-6816	31	37	a	a	DET
ejif-6816	31	38	more	more	ADV
ejif-6816	31	39	excellent	excellent	ADJ
ejif-6816	31	40	european	european	ADJ
ejif-6816	31	41	journal	journal	NOUN
ejif-6816	31	42	of	of	ADP
ejif-6816	31	43	islamic	islamic	PROPN
ejif-6816	31	44	finance	finance	PROPN
ejif-6816	31	45	issn	issn	PROPN
ejif-6816	31	46	:	:	PUNCT
ejif-6816	31	47	2421	2421	NUM
ejif-6816	31	48	-	-	SYM
ejif-6816	31	49	2172	2172	NUM
ejif-6816	31	50	doi	doi	NOUN
ejif-6816	31	51	:	:	PUNCT
ejif-6816	31	52	10.13135/2421	10.13135/2421	NUM
ejif-6816	31	53	-	-	SYM
ejif-6816	31	54	2172/6816	2172/6816	NUM
ejif-6816	31	55	published	publish	VERB
ejif-6816	31	56	by	by	ADP
ejif-6816	31	57	the	the	DET
ejif-6816	31	58	university	university	PROPN
ejif-6816	31	59	of	of	ADP
ejif-6816	31	60	turin	turin	PROPN
ejif-6816	32	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	32	2	ejif	ejif	PROPN
ejif-6816	32	3	content	content	NOUN
ejif-6816	32	4	is	be	AUX
ejif-6816	32	5	licensed	license	VERB
ejif-6816	32	6	under	under	ADP
ejif-6816	32	7	a	a	DET
ejif-6816	32	8	creative	creative	ADJ
ejif-6816	32	9	commons	common	NOUN
ejif-6816	32	10	attribution	attribution	NOUN
ejif-6816	32	11	4.0	4.0	NUM
ejif-6816	32	12	international	international	ADJ
ejif-6816	32	13	license	license	NOUN
ejif-6816	32	14	received	receive	VERB
ejif-6816	32	15	:	:	PUNCT
ejif-6816	32	16	08/06/2022	08/06/2022	NOUN
ejif-6816	32	17	accepted	accept	VERB
ejif-6816	32	18	for	for	ADP
ejif-6816	32	19	publication	publication	NOUN
ejif-6816	32	20	:	:	PUNCT
ejif-6816	32	21	18/11/2022	18/11/2022	NUM
ejif-6816	32	22	published	publish	VERB
ejif-6816	32	23	:	:	PUNCT
ejif-6816	32	24	29/12/2022	29/12/2022	NUM
ejif-6816	32	25	15	15	NUM
ejif-6816	32	26	supply	supply	NOUN
ejif-6816	32	27	of	of	ADP
ejif-6816	32	28	entrepreneurs	entrepreneur	NOUN
ejif-6816	32	29	who	who	PRON
ejif-6816	32	30	have	have	AUX
ejif-6816	32	31	started	start	VERB
ejif-6816	32	32	demanding	demand	VERB
ejif-6816	32	33	islamic	islamic	ADJ
ejif-6816	32	34	financial	financial	ADJ
ejif-6816	32	35	products	product	NOUN
ejif-6816	32	36	.	.	PUNCT
ejif-6816	33	1	the	the	DET
ejif-6816	33	2	paper	paper	NOUN
ejif-6816	33	3	is	be	AUX
ejif-6816	33	4	divided	divide	VERB
ejif-6816	33	5	into	into	ADP
ejif-6816	33	6	seven	seven	NUM
ejif-6816	33	7	sections	section	NOUN
ejif-6816	33	8	.	.	PUNCT
ejif-6816	34	1	after	after	ADP
ejif-6816	34	2	the	the	DET
ejif-6816	34	3	introduction	introduction	NOUN
ejif-6816	34	4	and	and	CCONJ
ejif-6816	34	5	literature	literature	PROPN
ejif-6816	34	6	review	review	PROPN
ejif-6816	34	7	,	,	PUNCT
ejif-6816	34	8	the	the	DET
ejif-6816	34	9	article	article	NOUN
ejif-6816	34	10	discusses	discuss	VERB
ejif-6816	34	11	the	the	DET
ejif-6816	34	12	basis	basis	NOUN
ejif-6816	34	13	and	and	CCONJ
ejif-6816	34	14	features	feature	NOUN
ejif-6816	34	15	of	of	ADP
ejif-6816	34	16	credit	credit	NOUN
ejif-6816	34	17	cards	card	NOUN
ejif-6816	34	18	,	,	PUNCT
ejif-6816	34	19	their	their	PRON
ejif-6816	34	20	advantages	advantage	NOUN
ejif-6816	34	21	,	,	PUNCT
ejif-6816	34	22	and	and	CCONJ
ejif-6816	34	23	their	their	PRON
ejif-6816	34	24	disadvantages	disadvantage	NOUN
ejif-6816	34	25	in	in	ADP
ejif-6816	34	26	section	section	NOUN
ejif-6816	34	27	iii	iii	PROPN
ejif-6816	34	28	.	.	PUNCT
ejif-6816	35	1	the	the	DET
ejif-6816	35	2	following	follow	VERB
ejif-6816	35	3	section	section	NOUN
ejif-6816	35	4	is	be	AUX
ejif-6816	35	5	the	the	DET
ejif-6816	35	6	appraisal	appraisal	NOUN
ejif-6816	35	7	of	of	ADP
ejif-6816	35	8	islamic	islamic	ADJ
ejif-6816	35	9	credit	credit	NOUN
ejif-6816	35	10	cards	card	NOUN
ejif-6816	35	11	considering	consider	VERB
ejif-6816	35	12	the	the	DET
ejif-6816	35	13	objectives	objective	NOUN
ejif-6816	35	14	of	of	ADP
ejif-6816	35	15	sharia	sharia	PROPN
ejif-6816	35	16	,	,	PUNCT
ejif-6816	35	17	which	which	PRON
ejif-6816	35	18	is	be	AUX
ejif-6816	35	19	the	the	DET
ejif-6816	35	20	main	main	ADJ
ejif-6816	35	21	subject	subject	NOUN
ejif-6816	35	22	of	of	ADP
ejif-6816	35	23	this	this	DET
ejif-6816	35	24	research	research	NOUN
ejif-6816	35	25	.	.	PUNCT
ejif-6816	36	1	it	it	PRON
ejif-6816	36	2	covers	cover	VERB
ejif-6816	36	3	the	the	DET
ejif-6816	36	4	basics	basic	NOUN
ejif-6816	36	5	of	of	ADP
ejif-6816	36	6	the	the	DET
ejif-6816	36	7	legitimacy	legitimacy	NOUN
ejif-6816	36	8	of	of	ADP
ejif-6816	36	9	different	different	ADJ
ejif-6816	36	10	types	type	NOUN
ejif-6816	36	11	of	of	ADP
ejif-6816	36	12	islamic	islamic	ADJ
ejif-6816	36	13	credit	credit	NOUN
ejif-6816	36	14	cards	card	NOUN
ejif-6816	36	15	and	and	CCONJ
ejif-6816	36	16	mentions	mention	VERB
ejif-6816	36	17	the	the	DET
ejif-6816	36	18	scholars	scholar	NOUN
ejif-6816	36	19	’	’	PART
ejif-6816	36	20	stances	stance	NOUN
ejif-6816	36	21	therein	therein	ADV
ejif-6816	36	22	.	.	PUNCT
ejif-6816	37	1	sections	section	NOUN
ejif-6816	37	2	v	v	ADP
ejif-6816	37	3	and	and	CCONJ
ejif-6816	37	4	vi	vi	PROPN
ejif-6816	37	5	discuss	discuss	VERB
ejif-6816	37	6	two	two	NUM
ejif-6816	37	7	major	major	ADJ
ejif-6816	37	8	concerns	concern	NOUN
ejif-6816	37	9	in	in	ADP
ejif-6816	37	10	using	use	VERB
ejif-6816	37	11	credit	credit	NOUN
ejif-6816	37	12	cards	card	NOUN
ejif-6816	37	13	and	and	CCONJ
ejif-6816	37	14	their	their	PRON
ejif-6816	37	15	permissibility	permissibility	NOUN
ejif-6816	37	16	.	.	PUNCT
ejif-6816	38	1	the	the	DET
ejif-6816	38	2	paper	paper	NOUN
ejif-6816	38	3	concludes	conclude	VERB
ejif-6816	38	4	by	by	ADP
ejif-6816	38	5	summarising	summarise	VERB
ejif-6816	38	6	the	the	DET
ejif-6816	38	7	results	result	NOUN
ejif-6816	38	8	and	and	CCONJ
ejif-6816	38	9	suggestions	suggestion	NOUN
ejif-6816	38	10	in	in	ADP
ejif-6816	38	11	section	section	NOUN
ejif-6816	38	12	vii	vii	PROPN
ejif-6816	38	13	.	.	PROPN
ejif-6816	38	14	ii	ii	PROPN
ejif-6816	38	15	.	.	PUNCT
ejif-6816	39	1	literature	literature	PROPN
ejif-6816	39	2	review	review	PROPN
ejif-6816	39	3	despite	despite	SCONJ
ejif-6816	39	4	the	the	DET
ejif-6816	39	5	expansion	expansion	NOUN
ejif-6816	39	6	and	and	CCONJ
ejif-6816	39	7	growth	growth	NOUN
ejif-6816	39	8	of	of	ADP
ejif-6816	39	9	islamic	islamic	ADJ
ejif-6816	39	10	finance	finance	NOUN
ejif-6816	39	11	in	in	ADP
ejif-6816	39	12	the	the	DET
ejif-6816	39	13	previous	previous	ADJ
ejif-6816	39	14	decades	decade	NOUN
ejif-6816	39	15	,	,	PUNCT
ejif-6816	39	16	its	its	PRON
ejif-6816	39	17	full	full	ADJ
ejif-6816	39	18	potential	potential	NOUN
ejif-6816	39	19	has	have	VERB
ejif-6816	39	20	yet	yet	ADV
ejif-6816	39	21	to	to	PART
ejif-6816	39	22	be	be	AUX
ejif-6816	39	23	realised	realise	VERB
ejif-6816	39	24	in	in	ADP
ejif-6816	39	25	various	various	ADJ
ejif-6816	39	26	arenas	arena	NOUN
ejif-6816	39	27	.	.	PUNCT
ejif-6816	40	1	it	it	PRON
ejif-6816	40	2	must	must	AUX
ejif-6816	40	3	expand	expand	VERB
ejif-6816	40	4	its	its	PRON
ejif-6816	40	5	services	service	NOUN
ejif-6816	40	6	to	to	ADP
ejif-6816	40	7	innovative	innovative	ADJ
ejif-6816	40	8	financial	financial	ADJ
ejif-6816	40	9	tools	tool	NOUN
ejif-6816	40	10	in	in	ADP
ejif-6816	40	11	tandem	tandem	NOUN
ejif-6816	40	12	with	with	ADP
ejif-6816	40	13	islamic	islamic	ADJ
ejif-6816	40	14	principles	principle	NOUN
ejif-6816	40	15	to	to	PART
ejif-6816	40	16	realise	realise	VERB
ejif-6816	40	17	its	its	PRON
ejif-6816	40	18	true	true	ADJ
ejif-6816	40	19	potential	potential	NOUN
ejif-6816	40	20	.	.	PUNCT
ejif-6816	41	1	one	one	NUM
ejif-6816	41	2	such	such	ADJ
ejif-6816	41	3	financial	financial	ADJ
ejif-6816	41	4	tool	tool	NOUN
ejif-6816	41	5	is	be	AUX
ejif-6816	41	6	the	the	DET
ejif-6816	41	7	introduction	introduction	NOUN
ejif-6816	41	8	of	of	ADP
ejif-6816	41	9	credit	credit	NOUN
ejif-6816	41	10	card	card	NOUN
ejif-6816	41	11	products	product	NOUN
ejif-6816	41	12	,	,	PUNCT
ejif-6816	41	13	like	like	ADP
ejif-6816	41	14	the	the	DET
ejif-6816	41	15	already	already	ADV
ejif-6816	41	16	existing	exist	VERB
ejif-6816	41	17	tool	tool	NOUN
ejif-6816	41	18	in	in	ADP
ejif-6816	41	19	conventional	conventional	ADJ
ejif-6816	41	20	financial	financial	ADJ
ejif-6816	41	21	institutions	institution	NOUN
ejif-6816	41	22	.	.	PUNCT
ejif-6816	42	1	al	al	PROPN
ejif-6816	42	2	-	-	PUNCT
ejif-6816	42	3	enazi	enazi	NOUN
ejif-6816	42	4	[	[	X
ejif-6816	42	5	11	11	NUM
ejif-6816	42	6	]	]	PUNCT
ejif-6816	42	7	claims	claim	VERB
ejif-6816	42	8	that	that	SCONJ
ejif-6816	42	9	islamic	islamic	ADJ
ejif-6816	42	10	financial	financial	ADJ
ejif-6816	42	11	institutions	institution	NOUN
ejif-6816	42	12	have	have	AUX
ejif-6816	42	13	adopted	adopt	VERB
ejif-6816	42	14	credit	credit	NOUN
ejif-6816	42	15	card	card	NOUN
ejif-6816	42	16	practices	practice	NOUN
ejif-6816	42	17	by	by	ADP
ejif-6816	42	18	altering	alter	VERB
ejif-6816	42	19	specific	specific	ADJ
ejif-6816	42	20	components	component	NOUN
ejif-6816	42	21	that	that	PRON
ejif-6816	42	22	contradict	contradict	VERB
ejif-6816	42	23	the	the	DET
ejif-6816	42	24	shari’a	shari’a	NOUN
ejif-6816	42	25	requirements	requirement	NOUN
ejif-6816	42	26	,	,	PUNCT
ejif-6816	42	27	for	for	ADP
ejif-6816	42	28	example	example	NOUN
ejif-6816	42	29	,	,	PUNCT
ejif-6816	42	30	by	by	ADP
ejif-6816	42	31	eradicating	eradicate	VERB
ejif-6816	42	32	the	the	DET
ejif-6816	42	33	interestbased	interestbase	VERB
ejif-6816	42	34	elements	element	NOUN
ejif-6816	42	35	included	include	VERB
ejif-6816	42	36	within	within	ADP
ejif-6816	42	37	conventional	conventional	ADJ
ejif-6816	42	38	credit	credit	NOUN
ejif-6816	42	39	cards	card	NOUN
ejif-6816	42	40	.	.	PUNCT
ejif-6816	43	1	most	most	ADJ
ejif-6816	43	2	of	of	ADP
ejif-6816	43	3	the	the	DET
ejif-6816	43	4	literature	literature	NOUN
ejif-6816	43	5	on	on	ADP
ejif-6816	43	6	an	an	DET
ejif-6816	43	7	islamic	islamic	ADJ
ejif-6816	43	8	credit	credit	NOUN
ejif-6816	43	9	card	card	NOUN
ejif-6816	43	10	is	be	AUX
ejif-6816	43	11	focused	focus	VERB
ejif-6816	43	12	on	on	ADP
ejif-6816	43	13	its	its	PRON
ejif-6816	43	14	basis	basis	NOUN
ejif-6816	43	15	from	from	ADP
ejif-6816	43	16	islamic	islamic	ADJ
ejif-6816	43	17	texts	text	NOUN
ejif-6816	43	18	,	,	PUNCT
ejif-6816	43	19	and	and	CCONJ
ejif-6816	43	20	a	a	DET
ejif-6816	43	21	few	few	ADJ
ejif-6816	43	22	research	research	NOUN
ejif-6816	43	23	,	,	PUNCT
ejif-6816	43	24	like	like	ADP
ejif-6816	43	25	choo	choo	NOUN
ejif-6816	43	26	et	et	PROPN
ejif-6816	43	27	al	al	PROPN
ejif-6816	43	28	.	.	PUNCT
ejif-6816	44	1	[	[	X
ejif-6816	44	2	12	12	NUM
ejif-6816	44	3	]	]	PUNCT
ejif-6816	44	4	,	,	PUNCT
ejif-6816	44	5	study	study	VERB
ejif-6816	44	6	the	the	DET
ejif-6816	44	7	consumer	consumer	NOUN
ejif-6816	44	8	’s	’s	PART
ejif-6816	44	9	choice	choice	NOUN
ejif-6816	44	10	of	of	ADP
ejif-6816	44	11	credit	credit	NOUN
ejif-6816	44	12	cards	card	NOUN
ejif-6816	44	13	and	and	CCONJ
ejif-6816	44	14	their	their	PRON
ejif-6816	44	15	acceptability	acceptability	NOUN
ejif-6816	44	16	.	.	PUNCT
ejif-6816	45	1	other	other	ADJ
ejif-6816	45	2	studies	study	NOUN
ejif-6816	45	3	,	,	PUNCT
ejif-6816	45	4	like	like	ADP
ejif-6816	45	5	johan	johan	PROPN
ejif-6816	45	6	&	&	CCONJ
ejif-6816	45	7	putit	putit	PROPN
ejif-6816	45	8	[	[	X
ejif-6816	45	9	13	13	NUM
ejif-6816	45	10	]	]	PUNCT
ejif-6816	45	11	,	,	PUNCT
ejif-6816	45	12	relate	relate	VERB
ejif-6816	45	13	to	to	ADP
ejif-6816	45	14	the	the	DET
ejif-6816	45	15	issues	issue	NOUN
ejif-6816	45	16	of	of	ADP
ejif-6816	45	17	people	people	NOUN
ejif-6816	45	18	’s	’s	PART
ejif-6816	45	19	knowledge	knowledge	NOUN
ejif-6816	45	20	and	and	CCONJ
ejif-6816	45	21	religiosity	religiosity	NOUN
ejif-6816	45	22	influencing	influence	VERB
ejif-6816	45	23	their	their	PRON
ejif-6816	45	24	decisions	decision	NOUN
ejif-6816	45	25	on	on	ADP
ejif-6816	45	26	whether	whether	SCONJ
ejif-6816	45	27	to	to	PART
ejif-6816	45	28	opt	opt	VERB
ejif-6816	45	29	for	for	ADP
ejif-6816	45	30	credit	credit	NOUN
ejif-6816	45	31	cards	card	NOUN
ejif-6816	45	32	or	or	CCONJ
ejif-6816	45	33	abstain	abstain	NOUN
ejif-6816	45	34	from	from	ADP
ejif-6816	45	35	them	they	PRON
ejif-6816	45	36	.	.	PUNCT
ejif-6816	46	1	on	on	ADP
ejif-6816	46	2	the	the	DET
ejif-6816	46	3	other	other	ADJ
ejif-6816	46	4	hand	hand	NOUN
ejif-6816	46	5	,	,	PUNCT
ejif-6816	46	6	mansor	mansor	PROPN
ejif-6816	46	7	and	and	CCONJ
ejif-6816	46	8	azman	azman	PROPN
ejif-6816	47	1	[	[	X
ejif-6816	47	2	14	14	NUM
ejif-6816	47	3	]	]	PUNCT
ejif-6816	47	4	studied	study	VERB
ejif-6816	47	5	factors	factor	NOUN
ejif-6816	47	6	,	,	PUNCT
ejif-6816	47	7	like	like	ADP
ejif-6816	47	8	demographics	demographic	NOUN
ejif-6816	47	9	,	,	PUNCT
ejif-6816	47	10	to	to	PART
ejif-6816	47	11	observe	observe	VERB
ejif-6816	47	12	whether	whether	SCONJ
ejif-6816	47	13	they	they	PRON
ejif-6816	47	14	can	can	AUX
ejif-6816	47	15	be	be	AUX
ejif-6816	47	16	a	a	DET
ejif-6816	47	17	good	good	ADJ
ejif-6816	47	18	indicator	indicator	NOUN
ejif-6816	47	19	for	for	ADP
ejif-6816	47	20	an	an	DET
ejif-6816	47	21	islamic	islamic	ADJ
ejif-6816	47	22	credit	credit	NOUN
ejif-6816	47	23	card	card	NOUN
ejif-6816	47	24	.	.	PUNCT
ejif-6816	48	1	given	give	VERB
ejif-6816	48	2	the	the	DET
ejif-6816	48	3	substantial	substantial	ADJ
ejif-6816	48	4	increase	increase	NOUN
ejif-6816	48	5	in	in	ADP
ejif-6816	48	6	electronic	electronic	ADJ
ejif-6816	48	7	payments	payment	NOUN
ejif-6816	48	8	,	,	PUNCT
ejif-6816	48	9	to	to	ADP
ejif-6816	48	10	the	the	DET
ejif-6816	48	11	detriment	detriment	NOUN
ejif-6816	48	12	of	of	ADP
ejif-6816	48	13	cash	cash	NOUN
ejif-6816	48	14	payments	payment	NOUN
ejif-6816	48	15	,	,	PUNCT
ejif-6816	48	16	islamic	islamic	ADJ
ejif-6816	48	17	credit	credit	NOUN
ejif-6816	48	18	cards	card	NOUN
ejif-6816	48	19	have	have	AUX
ejif-6816	48	20	already	already	ADV
ejif-6816	48	21	penetrated	penetrate	VERB
ejif-6816	48	22	the	the	DET
ejif-6816	48	23	banking	banking	NOUN
ejif-6816	48	24	sector	sector	NOUN
ejif-6816	48	25	and	and	CCONJ
ejif-6816	48	26	are	be	AUX
ejif-6816	48	27	abundantly	abundantly	ADV
ejif-6816	48	28	found	find	VERB
ejif-6816	48	29	in	in	ADP
ejif-6816	48	30	the	the	DET
ejif-6816	48	31	market	market	NOUN
ejif-6816	48	32	.	.	PUNCT
ejif-6816	49	1	but	but	CCONJ
ejif-6816	49	2	there	there	PRON
ejif-6816	49	3	needs	need	VERB
ejif-6816	49	4	to	to	PART
ejif-6816	49	5	be	be	AUX
ejif-6816	49	6	more	more	ADJ
ejif-6816	49	7	research	research	NOUN
ejif-6816	49	8	considering	consider	VERB
ejif-6816	49	9	the	the	DET
ejif-6816	49	10	connection	connection	NOUN
ejif-6816	49	11	between	between	ADP
ejif-6816	49	12	current	current	ADJ
ejif-6816	49	13	islamic	islamic	ADJ
ejif-6816	49	14	finance	finance	NOUN
ejif-6816	49	15	practices	practice	NOUN
ejif-6816	49	16	and	and	CCONJ
ejif-6816	49	17	their	their	PRON
ejif-6816	49	18	validity	validity	NOUN
ejif-6816	49	19	,	,	PUNCT
ejif-6816	49	20	given	give	VERB
ejif-6816	49	21	the	the	DET
ejif-6816	49	22	complexities	complexity	NOUN
ejif-6816	49	23	of	of	ADP
ejif-6816	49	24	modern	modern	ADJ
ejif-6816	49	25	-	-	PUNCT
ejif-6816	49	26	day	day	NOUN
ejif-6816	49	27	financial	financial	ADJ
ejif-6816	49	28	developments	development	NOUN
ejif-6816	49	29	.	.	PUNCT
ejif-6816	50	1	but	but	CCONJ
ejif-6816	50	2	to	to	PART
ejif-6816	50	3	ensure	ensure	VERB
ejif-6816	50	4	that	that	SCONJ
ejif-6816	50	5	the	the	DET
ejif-6816	50	6	islamic	islamic	ADJ
ejif-6816	50	7	credit	credit	NOUN
ejif-6816	50	8	card	card	NOUN
ejif-6816	50	9	and	and	CCONJ
ejif-6816	50	10	its	its	PRON
ejif-6816	50	11	services	service	NOUN
ejif-6816	50	12	can	can	AUX
ejif-6816	50	13	help	help	VERB
ejif-6816	50	14	strengthen	strengthen	VERB
ejif-6816	50	15	the	the	DET
ejif-6816	50	16	competitive	competitive	ADJ
ejif-6816	50	17	position	position	NOUN
ejif-6816	50	18	of	of	ADP
ejif-6816	50	19	islamic	islamic	ADJ
ejif-6816	50	20	banking	banking	NOUN
ejif-6816	50	21	vis	vis	X
ejif-6816	50	22	-	-	X
ejif-6816	50	23	à	à	X
ejif-6816	50	24	-	-	PUNCT
ejif-6816	50	25	vis	vis	X
ejif-6816	50	26	the	the	DET
ejif-6816	50	27	conventional	conventional	ADJ
ejif-6816	50	28	banking	banking	NOUN
ejif-6816	50	29	system	system	NOUN
ejif-6816	50	30	,	,	PUNCT
ejif-6816	50	31	the	the	DET
ejif-6816	50	32	banks	bank	NOUN
ejif-6816	50	33	must	must	AUX
ejif-6816	50	34	deepen	deepen	VERB
ejif-6816	50	35	their	their	PRON
ejif-6816	50	36	understanding	understanding	NOUN
ejif-6816	50	37	regarding	regard	VERB
ejif-6816	50	38	the	the	DET
ejif-6816	50	39	legitimacy	legitimacy	NOUN
ejif-6816	50	40	and	and	CCONJ
ejif-6816	50	41	basis	basis	NOUN
ejif-6816	50	42	of	of	ADP
ejif-6816	50	43	such	such	DET
ejif-6816	50	44	a	a	DET
ejif-6816	50	45	product	product	NOUN
ejif-6816	50	46	,	,	PUNCT
ejif-6816	50	47	too	too	ADV
ejif-6816	50	48	averse	averse	ADJ
ejif-6816	50	49	any	any	DET
ejif-6816	50	50	shariah	shariah	PROPN
ejif-6816	50	51	risk	risk	NOUN
ejif-6816	50	52	emanating	emanate	VERB
ejif-6816	50	53	from	from	ADP
ejif-6816	50	54	such	such	DET
ejif-6816	50	55	a	a	DET
ejif-6816	50	56	product	product	NOUN
ejif-6816	50	57	[	[	X
ejif-6816	50	58	15	15	NUM
ejif-6816	50	59	]	]	PUNCT
ejif-6816	50	60	.	.	PUNCT
ejif-6816	51	1	the	the	DET
ejif-6816	51	2	motivation	motivation	NOUN
ejif-6816	51	3	for	for	ADP
ejif-6816	51	4	this	this	DET
ejif-6816	51	5	paper	paper	NOUN
ejif-6816	51	6	comes	come	VERB
ejif-6816	51	7	from	from	ADP
ejif-6816	51	8	the	the	DET
ejif-6816	51	9	necessity	necessity	NOUN
ejif-6816	51	10	to	to	PART
ejif-6816	51	11	appraise	appraise	VERB
ejif-6816	51	12	the	the	DET
ejif-6816	51	13	current	current	ADJ
ejif-6816	51	14	practice	practice	NOUN
ejif-6816	51	15	of	of	ADP
ejif-6816	51	16	islamic	islamic	ADJ
ejif-6816	51	17	credit	credit	NOUN
ejif-6816	51	18	cards	card	NOUN
ejif-6816	51	19	from	from	ADP
ejif-6816	51	20	a	a	DET
ejif-6816	51	21	maqasid	maqasid	ADJ
ejif-6816	51	22	perspective	perspective	NOUN
ejif-6816	51	23	and	and	CCONJ
ejif-6816	51	24	to	to	PART
ejif-6816	51	25	assess	assess	VERB
ejif-6816	51	26	its	its	PRON
ejif-6816	51	27	legitimacy	legitimacy	NOUN
ejif-6816	51	28	since	since	SCONJ
ejif-6816	51	29	its	its	PRON
ejif-6816	51	30	issuance	issuance	NOUN
ejif-6816	51	31	and	and	CCONJ
ejif-6816	51	32	its	its	PRON
ejif-6816	51	33	underlying	underlie	VERB
ejif-6816	51	34	contracts	contract	NOUN
ejif-6816	51	35	while	while	SCONJ
ejif-6816	51	36	addressing	address	VERB
ejif-6816	51	37	the	the	DET
ejif-6816	51	38	shari’a	shari’a	NOUN
ejif-6816	51	39	perspectives	perspective	NOUN
ejif-6816	51	40	of	of	ADP
ejif-6816	51	41	credit	credit	NOUN
ejif-6816	51	42	card	card	NOUN
ejif-6816	51	43	structures	structure	NOUN
ejif-6816	51	44	.	.	PUNCT
ejif-6816	52	1	this	this	DET
ejif-6816	52	2	paper	paper	NOUN
ejif-6816	52	3	is	be	AUX
ejif-6816	52	4	exploratory	exploratory	ADJ
ejif-6816	52	5	and	and	CCONJ
ejif-6816	52	6	conceptual	conceptual	ADJ
ejif-6816	52	7	,	,	PUNCT
ejif-6816	52	8	providing	provide	VERB
ejif-6816	52	9	insights	insight	NOUN
ejif-6816	52	10	for	for	ADP
ejif-6816	52	11	researchers	researcher	NOUN
ejif-6816	52	12	,	,	PUNCT
ejif-6816	52	13	decision	decision	NOUN
ejif-6816	52	14	-	-	PUNCT
ejif-6816	52	15	makers	maker	NOUN
ejif-6816	52	16	,	,	PUNCT
ejif-6816	52	17	and	and	CCONJ
ejif-6816	52	18	practitioners	practitioner	NOUN
ejif-6816	52	19	on	on	ADP
ejif-6816	52	20	how	how	SCONJ
ejif-6816	52	21	islamic	islamic	ADJ
ejif-6816	52	22	credit	credit	NOUN
ejif-6816	52	23	cards	card	NOUN
ejif-6816	52	24	can	can	AUX
ejif-6816	52	25	prove	prove	VERB
ejif-6816	52	26	better	well	ADJ
ejif-6816	52	27	compliance	compliance	NOUN
ejif-6816	52	28	with	with	ADP
ejif-6816	52	29	sharia	sharia	PROPN
ejif-6816	52	30	.	.	PUNCT
ejif-6816	52	31	iii	iii	PROPN
ejif-6816	52	32	.	.	PUNCT
ejif-6816	52	33	credit	credit	NOUN
ejif-6816	52	34	cards	card	NOUN
ejif-6816	52	35	,	,	PUNCT
ejif-6816	52	36	its	its	PRON
ejif-6816	52	37	advantages	advantage	NOUN
ejif-6816	52	38	and	and	CCONJ
ejif-6816	52	39	disadvantages	disadvantage	VERB
ejif-6816	52	40	islamic	islamic	ADJ
ejif-6816	52	41	banks	bank	NOUN
ejif-6816	52	42	are	be	AUX
ejif-6816	52	43	required	require	VERB
ejif-6816	52	44	to	to	PART
ejif-6816	52	45	expand	expand	VERB
ejif-6816	52	46	marketable	marketable	ADJ
ejif-6816	52	47	products	product	NOUN
ejif-6816	52	48	and	and	CCONJ
ejif-6816	52	49	services	service	NOUN
ejif-6816	52	50	based	base	VERB
ejif-6816	52	51	on	on	ADP
ejif-6816	52	52	islamic	islamic	ADJ
ejif-6816	52	53	instruction	instruction	NOUN
ejif-6816	52	54	standards	standard	NOUN
ejif-6816	52	55	.	.	PUNCT
ejif-6816	53	1	one	one	NUM
ejif-6816	53	2	of	of	ADP
ejif-6816	53	3	these	these	DET
ejif-6816	53	4	services	service	NOUN
ejif-6816	53	5	,	,	PUNCT
ejif-6816	53	6	which	which	PRON
ejif-6816	53	7	is	be	AUX
ejif-6816	53	8	the	the	DET
ejif-6816	53	9	focus	focus	NOUN
ejif-6816	53	10	of	of	ADP
ejif-6816	53	11	the	the	DET
ejif-6816	53	12	study	study	NOUN
ejif-6816	53	13	,	,	PUNCT
ejif-6816	53	14	is	be	AUX
ejif-6816	53	15	the	the	DET
ejif-6816	53	16	islamic	islamic	ADJ
ejif-6816	53	17	credit	credit	NOUN
ejif-6816	53	18	card	card	NOUN
ejif-6816	53	19	.	.	PUNCT
ejif-6816	54	1	financial	financial	ADJ
ejif-6816	54	2	institutions	institution	NOUN
ejif-6816	54	3	,	,	PUNCT
ejif-6816	54	4	typically	typically	ADV
ejif-6816	54	5	banks	bank	NOUN
ejif-6816	54	6	,	,	PUNCT
ejif-6816	54	7	provide	provide	VERB
ejif-6816	54	8	a	a	DET
ejif-6816	54	9	credit	credit	NOUN
ejif-6816	54	10	card	card	NOUN
ejif-6816	54	11	that	that	PRON
ejif-6816	54	12	enables	enable	VERB
ejif-6816	54	13	the	the	DET
ejif-6816	54	14	cardholder	cardholder	NOUN
ejif-6816	54	15	to	to	PART
ejif-6816	54	16	borrow	borrow	VERB
ejif-6816	54	17	funds	fund	NOUN
ejif-6816	54	18	as	as	ADP
ejif-6816	54	19	loans	loan	NOUN
ejif-6816	54	20	from	from	ADP
ejif-6816	54	21	that	that	DET
ejif-6816	54	22	institution	institution	NOUN
ejif-6816	54	23	under	under	ADP
ejif-6816	54	24	the	the	DET
ejif-6816	54	25	agreement	agreement	NOUN
ejif-6816	54	26	to	to	PART
ejif-6816	54	27	repay	repay	VERB
ejif-6816	54	28	the	the	DET
ejif-6816	54	29	loaned	loan	VERB
ejif-6816	54	30	amount	amount	NOUN
ejif-6816	54	31	by	by	ADP
ejif-6816	54	32	the	the	DET
ejif-6816	54	33	bill	bill	NOUN
ejif-6816	54	34	’s	’s	PART
ejif-6816	54	35	due	due	ADJ
ejif-6816	54	36	date	date	NOUN
ejif-6816	54	37	or	or	CCONJ
ejif-6816	54	38	incur	incur	VERB
ejif-6816	54	39	an	an	DET
ejif-6816	54	40	additional	additional	ADJ
ejif-6816	54	41	agreed	agree	VERB
ejif-6816	54	42	amount	amount	NOUN
ejif-6816	54	43	.	.	PUNCT
ejif-6816	55	1	a	a	DET
ejif-6816	55	2	credit	credit	NOUN
ejif-6816	55	3	card	card	NOUN
ejif-6816	55	4	is	be	AUX
ejif-6816	55	5	a	a	DET
ejif-6816	55	6	means	means	NOUN
ejif-6816	55	7	of	of	ADP
ejif-6816	55	8	payment	payment	NOUN
ejif-6816	55	9	which	which	PRON
ejif-6816	55	10	involves	involve	VERB
ejif-6816	55	11	buying	buy	VERB
ejif-6816	55	12	first	first	ADV
ejif-6816	55	13	and	and	CCONJ
ejif-6816	55	14	paying	pay	VERB
ejif-6816	55	15	later	later	ADV
ejif-6816	55	16	,	,	PUNCT
ejif-6816	55	17	as	as	SCONJ
ejif-6816	55	18	defined	define	VERB
ejif-6816	55	19	by	by	ADP
ejif-6816	55	20	yee	yee	PROPN
ejif-6816	55	21	,	,	PUNCT
ejif-6816	55	22	eam	eam	PROPN
ejif-6816	55	23	and	and	CCONJ
ejif-6816	55	24	sanusi	sanusi	PROPN
ejif-6816	55	25	(	(	PUNCT
ejif-6816	55	26	2007	2007	NUM
ejif-6816	55	27	)	)	PUNCT
ejif-6816	56	1	[	[	X
ejif-6816	56	2	16	16	NUM
ejif-6816	56	3	]	]	PUNCT
ejif-6816	56	4	.	.	PUNCT
ejif-6816	57	1	it	it	PRON
ejif-6816	57	2	is	be	AUX
ejif-6816	57	3	based	base	VERB
ejif-6816	57	4	on	on	ADP
ejif-6816	57	5	the	the	DET
ejif-6816	57	6	principle	principle	NOUN
ejif-6816	57	7	of	of	ADP
ejif-6816	57	8	a	a	DET
ejif-6816	57	9	loan	loan	NOUN
ejif-6816	57	10	without	without	ADP
ejif-6816	57	11	interest	interest	NOUN
ejif-6816	57	12	(	(	PUNCT
ejif-6816	57	13	i.e.	i.e.	X
ejif-6816	57	14	,	,	PUNCT
ejif-6816	57	15	riba	riba	PROPN
ejif-6816	57	16	)	)	PUNCT
ejif-6816	57	17	if	if	SCONJ
ejif-6816	57	18	the	the	DET
ejif-6816	57	19	loan	loan	NOUN
ejif-6816	57	20	is	be	AUX
ejif-6816	57	21	repaid	repay	VERB
ejif-6816	57	22	on	on	ADP
ejif-6816	57	23	or	or	CCONJ
ejif-6816	57	24	before	before	ADP
ejif-6816	57	25	the	the	DET
ejif-6816	57	26	specified	specify	VERB
ejif-6816	57	27	date	date	NOUN
ejif-6816	57	28	,	,	PUNCT
ejif-6816	57	29	i.e.	i.e.	X
ejif-6816	57	30	,	,	PUNCT
ejif-6816	57	31	the	the	DET
ejif-6816	57	32	grace	grace	NOUN
ejif-6816	57	33	period	period	NOUN
ejif-6816	57	34	,	,	PUNCT
ejif-6816	57	35	and	and	CCONJ
ejif-6816	57	36	with	with	ADP
ejif-6816	57	37	interest	interest	NOUN
ejif-6816	57	38	if	if	SCONJ
ejif-6816	57	39	repayment	repayment	NOUN
ejif-6816	57	40	is	be	AUX
ejif-6816	57	41	delayed	delay	VERB
ejif-6816	57	42	beyond	beyond	ADP
ejif-6816	57	43	that	that	DET
ejif-6816	57	44	time	time	NOUN
ejif-6816	57	45	.	.	PUNCT
ejif-6816	58	1	charging	charge	VERB
ejif-6816	58	2	interest	interest	NOUN
ejif-6816	58	3	only	only	ADV
ejif-6816	58	4	in	in	ADP
ejif-6816	58	5	case	case	NOUN
ejif-6816	58	6	of	of	ADP
ejif-6816	58	7	delay	delay	NOUN
ejif-6816	58	8	beyond	beyond	ADP
ejif-6816	58	9	the	the	DET
ejif-6816	58	10	agreed	agree	VERB
ejif-6816	58	11	repayment	repayment	NOUN
ejif-6816	58	12	period	period	NOUN
ejif-6816	58	13	is	be	AUX
ejif-6816	58	14	one	one	NUM
ejif-6816	58	15	variety	variety	NOUN
ejif-6816	58	16	of	of	ADP
ejif-6816	58	17	riba	riba	PROPN
ejif-6816	58	18	al	al	PROPN
ejif-6816	58	19	-	-	PUNCT
ejif-6816	58	20	jahiliyya	jahiliyya	PROPN
ejif-6816	58	21	,	,	PUNCT
ejif-6816	58	22	which	which	PRON
ejif-6816	58	23	is	be	AUX
ejif-6816	58	24	impermissible	impermissible	ADJ
ejif-6816	58	25	.	.	PUNCT
ejif-6816	59	1	according	accord	VERB
ejif-6816	59	2	to	to	ADP
ejif-6816	59	3	oic	oic	PROPN
ejif-6816	59	4	fiqh	fiqh	PROPN
ejif-6816	59	5	academy	academy	PROPN
ejif-6816	59	6	[	[	X
ejif-6816	59	7	17	17	NUM
ejif-6816	59	8	]	]	PUNCT
ejif-6816	59	9	,	,	PUNCT
ejif-6816	59	10	resolution	resolution	NOUN
ejif-6816	59	11	no	no	NOUN
ejif-6816	59	12	.	.	PROPN
ejif-6816	59	13	108	108	NUM
ejif-6816	59	14	(	(	PUNCT
ejif-6816	59	15	2/12	2/12	NUM
ejif-6816	59	16	)	)	PUNCT
ejif-6816	59	17	,	,	PUNCT
ejif-6816	59	18	issuing	issue	VERB
ejif-6816	59	19	and	and	CCONJ
ejif-6816	59	20	dealing	deal	VERB
ejif-6816	59	21	with	with	ADP
ejif-6816	59	22	conventional	conventional	ADJ
ejif-6816	59	23	credit	credit	NOUN
ejif-6816	59	24	cards	card	NOUN
ejif-6816	59	25	is	be	AUX
ejif-6816	59	26	unlawful	unlawful	ADJ
ejif-6816	59	27	due	due	ADP
ejif-6816	59	28	to	to	ADP
ejif-6816	59	29	this	this	DET
ejif-6816	59	30	reason	reason	NOUN
ejif-6816	59	31	.	.	PUNCT
ejif-6816	60	1	nevertheless	nevertheless	ADV
ejif-6816	60	2	,	,	PUNCT
ejif-6816	60	3	despite	despite	SCONJ
ejif-6816	60	4	this	this	DET
ejif-6816	60	5	shariah	shariah	PROPN
ejif-6816	60	6	primary	primary	ADJ
ejif-6816	60	7	concern	concern	NOUN
ejif-6816	60	8	,	,	PUNCT
ejif-6816	60	9	credit	credit	NOUN
ejif-6816	60	10	cards	card	NOUN
ejif-6816	60	11	generally	generally	ADV
ejif-6816	60	12	have	have	VERB
ejif-6816	60	13	unique	unique	ADJ
ejif-6816	60	14	features	feature	NOUN
ejif-6816	60	15	and	and	CCONJ
ejif-6816	60	16	benefits	benefit	NOUN
ejif-6816	60	17	for	for	ADP
ejif-6816	60	18	their	their	PRON
ejif-6816	60	19	holders	holder	NOUN
ejif-6816	60	20	and	and	CCONJ
ejif-6816	60	21	issuers	issuer	NOUN
ejif-6816	60	22	.	.	PUNCT
ejif-6816	61	1	a	a	DET
ejif-6816	61	2	credit	credit	NOUN
ejif-6816	61	3	card	card	NOUN
ejif-6816	61	4	is	be	AUX
ejif-6816	61	5	one	one	NUM
ejif-6816	61	6	of	of	ADP
ejif-6816	61	7	the	the	DET
ejif-6816	61	8	most	most	ADV
ejif-6816	61	9	convenient	convenient	ADJ
ejif-6816	61	10	and	and	CCONJ
ejif-6816	61	11	secure	secure	ADJ
ejif-6816	61	12	payment	payment	NOUN
ejif-6816	61	13	tools	tool	NOUN
ejif-6816	61	14	accepted	accept	VERB
ejif-6816	61	15	worldwide	worldwide	ADV
ejif-6816	61	16	.	.	PUNCT
ejif-6816	62	1	it	it	PRON
ejif-6816	62	2	has	have	AUX
ejif-6816	62	3	replaced	replace	VERB
ejif-6816	62	4	the	the	DET
ejif-6816	62	5	need	need	NOUN
ejif-6816	62	6	to	to	PART
ejif-6816	62	7	carry	carry	VERB
ejif-6816	62	8	cash	cash	NOUN
ejif-6816	62	9	,	,	PUNCT
ejif-6816	62	10	which	which	PRON
ejif-6816	62	11	is	be	AUX
ejif-6816	62	12	especially	especially	ADV
ejif-6816	62	13	handy	handy	ADJ
ejif-6816	62	14	for	for	ADP
ejif-6816	62	15	international	international	ADJ
ejif-6816	62	16	travellers	traveller	NOUN
ejif-6816	62	17	where	where	SCONJ
ejif-6816	62	18	local	local	ADJ
ejif-6816	62	19	currency	currency	NOUN
ejif-6816	62	20	is	be	AUX
ejif-6816	62	21	needed	need	VERB
ejif-6816	62	22	or	or	CCONJ
ejif-6816	62	23	where	where	SCONJ
ejif-6816	62	24	it	it	PRON
ejif-6816	62	25	is	be	AUX
ejif-6816	62	26	difficult	difficult	ADJ
ejif-6816	62	27	to	to	PART
ejif-6816	62	28	take	take	VERB
ejif-6816	62	29	large	large	ADJ
ejif-6816	62	30	amounts	amount	NOUN
ejif-6816	62	31	of	of	ADP
ejif-6816	62	32	money	money	NOUN
ejif-6816	62	33	in	in	ADP
ejif-6816	62	34	one	one	NUM
ejif-6816	62	35	or	or	CCONJ
ejif-6816	62	36	different	different	ADJ
ejif-6816	62	37	currencies	currency	NOUN
ejif-6816	62	38	.	.	PUNCT
ejif-6816	63	1	the	the	DET
ejif-6816	63	2	cardholders	cardholder	NOUN
ejif-6816	63	3	also	also	ADV
ejif-6816	63	4	benefit	benefit	VERB
ejif-6816	63	5	from	from	ADP
ejif-6816	63	6	increased	increase	VERB
ejif-6816	63	7	purchasing	purchasing	NOUN
ejif-6816	63	8	power	power	NOUN
ejif-6816	63	9	,	,	PUNCT
ejif-6816	63	10	in	in	ADP
ejif-6816	63	11	addition	addition	NOUN
ejif-6816	63	12	to	to	ADP
ejif-6816	63	13	being	be	AUX
ejif-6816	63	14	rewarded	reward	VERB
ejif-6816	63	15	in	in	ADP
ejif-6816	63	16	the	the	DET
ejif-6816	63	17	form	form	NOUN
ejif-6816	63	18	of	of	ADP
ejif-6816	63	19	points	point	NOUN
ejif-6816	63	20	,	,	PUNCT
ejif-6816	63	21	cash	cash	NOUN
ejif-6816	63	22	-	-	PUNCT
ejif-6816	63	23	back	back	NOUN
ejif-6816	63	24	offers	offer	NOUN
ejif-6816	63	25	or	or	CCONJ
ejif-6816	63	26	gifts	gift	NOUN
ejif-6816	63	27	,	,	PUNCT
ejif-6816	63	28	prizes	prize	NOUN
ejif-6816	63	29	and	and	CCONJ
ejif-6816	63	30	discounts	discount	NOUN
ejif-6816	63	31	for	for	ADP
ejif-6816	63	32	using	use	VERB
ejif-6816	63	33	the	the	DET
ejif-6816	63	34	credit	credit	NOUN
ejif-6816	63	35	cards	card	NOUN
ejif-6816	63	36	.	.	PUNCT
ejif-6816	64	1	the	the	DET
ejif-6816	64	2	user	user	NOUN
ejif-6816	64	3	may	may	AUX
ejif-6816	64	4	qualify	qualify	VERB
ejif-6816	64	5	for	for	ADP
ejif-6816	64	6	additional	additional	ADJ
ejif-6816	64	7	credit	credit	NOUN
ejif-6816	64	8	facilities	facility	NOUN
ejif-6816	64	9	if	if	SCONJ
ejif-6816	64	10	he	he	PRON
ejif-6816	64	11	can	can	AUX
ejif-6816	64	12	build	build	VERB
ejif-6816	64	13	a	a	DET
ejif-6816	64	14	good	good	ADJ
ejif-6816	64	15	credit	credit	NOUN
ejif-6816	64	16	history	history	NOUN
ejif-6816	64	17	.	.	PUNCT
ejif-6816	65	1	a	a	DET
ejif-6816	65	2	credit	credit	NOUN
ejif-6816	65	3	card	card	NOUN
ejif-6816	65	4	holder	holder	NOUN
ejif-6816	65	5	can	can	AUX
ejif-6816	65	6	shop	shop	VERB
ejif-6816	65	7	through	through	ADP
ejif-6816	65	8	the	the	DET
ejif-6816	65	9	internet	internet	NOUN
ejif-6816	65	10	,	,	PUNCT
ejif-6816	65	11	where	where	SCONJ
ejif-6816	65	12	no	no	DET
ejif-6816	65	13	cash	cash	NOUN
ejif-6816	65	14	payment	payment	NOUN
ejif-6816	65	15	is	be	AUX
ejif-6816	65	16	accepted	accept	VERB
ejif-6816	65	17	,	,	PUNCT
ejif-6816	65	18	allowing	allow	VERB
ejif-6816	65	19	him	he	PRON
ejif-6816	65	20	more	more	ADV
ejif-6816	65	21	significant	significant	ADJ
ejif-6816	65	22	opportunities	opportunity	NOUN
ejif-6816	65	23	and	and	CCONJ
ejif-6816	65	24	possibly	possibly	ADV
ejif-6816	65	25	better	well	ADJ
ejif-6816	65	26	prices	price	NOUN
ejif-6816	65	27	,	,	PUNCT
ejif-6816	65	28	such	such	ADJ
ejif-6816	65	29	as	as	ADP
ejif-6816	65	30	buying	buy	VERB
ejif-6816	65	31	travel	travel	NOUN
ejif-6816	65	32	tickets	ticket	NOUN
ejif-6816	65	33	,	,	PUNCT
ejif-6816	65	34	booking	booking	NOUN
ejif-6816	65	35	hotels	hotel	NOUN
ejif-6816	65	36	,	,	PUNCT
ejif-6816	65	37	and	and	CCONJ
ejif-6816	65	38	participating	participate	VERB
ejif-6816	65	39	in	in	ADP
ejif-6816	65	40	international	international	ADJ
ejif-6816	65	41	auctions	auction	NOUN
ejif-6816	65	42	.	.	PUNCT
ejif-6816	66	1	cardholders	cardholder	NOUN
ejif-6816	66	2	use	use	VERB
ejif-6816	66	3	it	it	PRON
ejif-6816	66	4	for	for	ADP
ejif-6816	66	5	e	e	NOUN
ejif-6816	66	6	-	-	NOUN
ejif-6816	66	7	payments	payment	NOUN
ejif-6816	66	8	and	and	CCONJ
ejif-6816	66	9	electronic	electronic	ADJ
ejif-6816	66	10	purchases	purchase	NOUN
ejif-6816	66	11	to	to	PART
ejif-6816	66	12	guarantee	guarantee	VERB
ejif-6816	66	13	payment	payment	NOUN
ejif-6816	66	14	,	,	PUNCT
ejif-6816	66	15	which	which	PRON
ejif-6816	66	16	has	have	AUX
ejif-6816	66	17	sparked	spark	VERB
ejif-6816	66	18	explosive	explosive	ADJ
ejif-6816	66	19	sales	sale	NOUN
ejif-6816	66	20	growth	growth	NOUN
ejif-6816	66	21	for	for	ADP
ejif-6816	66	22	expenditures	expenditure	NOUN
ejif-6816	66	23	on	on	ADP
ejif-6816	66	24	transactions	transaction	NOUN
ejif-6816	66	25	which	which	PRON
ejif-6816	66	26	require	require	VERB
ejif-6816	66	27	a	a	DET
ejif-6816	66	28	system	system	NOUN
ejif-6816	66	29	of	of	ADP
ejif-6816	66	30	insuring	insure	VERB
ejif-6816	66	31	payment	payment	NOUN
ejif-6816	66	32	(	(	PUNCT
ejif-6816	66	33	fineberg	fineberg	PROPN
ejif-6816	66	34	)	)	PUNCT
ejif-6816	67	1	[	[	X
ejif-6816	67	2	18	18	NUM
ejif-6816	67	3	]	]	PUNCT
ejif-6816	67	4	.	.	PUNCT
ejif-6816	68	1	it	it	PRON
ejif-6816	68	2	can	can	AUX
ejif-6816	68	3	also	also	ADV
ejif-6816	68	4	be	be	AUX
ejif-6816	68	5	used	use	VERB
ejif-6816	68	6	to	to	PART
ejif-6816	68	7	make	make	VERB
ejif-6816	68	8	automatic	automatic	ADJ
ejif-6816	68	9	recurring	recur	VERB
ejif-6816	68	10	payments	payment	NOUN
ejif-6816	68	11	from	from	ADP
ejif-6816	68	12	the	the	DET
ejif-6816	68	13	card	card	NOUN
ejif-6816	68	14	,	,	PUNCT
ejif-6816	68	15	such	such	ADJ
ejif-6816	68	16	as	as	ADP
ejif-6816	68	17	phone	phone	NOUN
ejif-6816	68	18	,	,	PUNCT
ejif-6816	68	19	water	water	NOUN
ejif-6816	68	20	and	and	CCONJ
ejif-6816	68	21	electricity	electricity	NOUN
ejif-6816	68	22	bills	bill	NOUN
ejif-6816	68	23	.	.	PUNCT
ejif-6816	69	1	merchants	merchant	NOUN
ejif-6816	69	2	also	also	ADV
ejif-6816	69	3	have	have	VERB
ejif-6816	69	4	a	a	DET
ejif-6816	69	5	share	share	NOUN
ejif-6816	69	6	of	of	ADP
ejif-6816	69	7	benefits	benefit	NOUN
ejif-6816	69	8	from	from	ADP
ejif-6816	69	9	credit	credit	NOUN
ejif-6816	69	10	card	card	NOUN
ejif-6816	69	11	systems	system	NOUN
ejif-6816	69	12	like	like	ADP
ejif-6816	69	13	guaranteed	guarantee	VERB
ejif-6816	69	14	payment	payment	NOUN
ejif-6816	69	15	,	,	PUNCT
ejif-6816	69	16	fraud	fraud	NOUN
ejif-6816	69	17	protection	protection	NOUN
ejif-6816	69	18	,	,	PUNCT
ejif-6816	69	19	cash	cash	NOUN
ejif-6816	69	20	balance	balance	NOUN
ejif-6816	69	21	safety	safety	NOUN
ejif-6816	69	22	,	,	PUNCT
ejif-6816	69	23	and	and	CCONJ
ejif-6816	69	24	increased	increase	VERB
ejif-6816	69	25	sales	sale	NOUN
ejif-6816	69	26	and	and	CCONJ
ejif-6816	69	27	revenue	revenue	NOUN
ejif-6816	69	28	due	due	ADP
ejif-6816	69	29	to	to	ADP
ejif-6816	69	30	the	the	DET
ejif-6816	69	31	boost	boost	NOUN
ejif-6816	69	32	in	in	ADP
ejif-6816	69	33	cardholders	cardholder	NOUN
ejif-6816	69	34	’	'	PUNCT
ejif-6816	69	35	purchasing	purchase	VERB
ejif-6816	69	36	power	power	NOUN
ejif-6816	69	37	.	.	PUNCT
ejif-6816	70	1	credit	credit	NOUN
ejif-6816	70	2	cards	card	NOUN
ejif-6816	70	3	increase	increase	VERB
ejif-6816	70	4	business	business	NOUN
ejif-6816	70	5	activities	activity	NOUN
ejif-6816	70	6	and	and	CCONJ
ejif-6816	70	7	profits	profit	NOUN
ejif-6816	70	8	because	because	SCONJ
ejif-6816	70	9	it	it	PRON
ejif-6816	70	10	provides	provide	VERB
ejif-6816	70	11	people	people	NOUN
ejif-6816	70	12	access	access	NOUN
ejif-6816	70	13	to	to	ADP
ejif-6816	70	14	finance	finance	NOUN
ejif-6816	70	15	.	.	PUNCT
ejif-6816	71	1	radishe	radishe	PROPN
ejif-6816	72	1	[	[	X
ejif-6816	72	2	19	19	NUM
ejif-6816	72	3	]	]	PUNCT
ejif-6816	72	4	points	point	VERB
ejif-6816	72	5	out	out	ADP
ejif-6816	72	6	that	that	SCONJ
ejif-6816	72	7	this	this	PRON
ejif-6816	72	8	explains	explain	VERB
ejif-6816	72	9	why	why	SCONJ
ejif-6816	72	10	businesses	business	NOUN
ejif-6816	72	11	consent	consent	VERB
ejif-6816	72	12	to	to	PART
ejif-6816	72	13	waive	waive	VERB
ejif-6816	72	14	a	a	DET
ejif-6816	72	15	specific	specific	ADJ
ejif-6816	72	16	percentage	percentage	NOUN
ejif-6816	72	17	of	of	ADP
ejif-6816	72	18	the	the	DET
ejif-6816	72	19	value	value	NOUN
ejif-6816	72	20	of	of	ADP
ejif-6816	72	21	their	their	PRON
ejif-6816	72	22	sale	sale	NOUN
ejif-6816	72	23	items	item	NOUN
ejif-6816	72	24	(	(	PUNCT
ejif-6816	72	25	the	the	DET
ejif-6816	72	26	interchange	interchange	NOUN
ejif-6816	72	27	fee	fee	NOUN
ejif-6816	72	28	)	)	PUNCT
ejif-6816	72	29	for	for	ADP
ejif-6816	72	30	the	the	DET
ejif-6816	72	31	benefit	benefit	NOUN
ejif-6816	72	32	of	of	ADP
ejif-6816	72	33	the	the	DET
ejif-6816	72	34	credit	credit	NOUN
ejif-6816	72	35	card	card	NOUN
ejif-6816	72	36	issuer	issuer	NOUN
ejif-6816	72	37	.	.	PUNCT
ejif-6816	73	1	to	to	ADP
ejif-6816	73	2	this	this	DET
ejif-6816	73	3	effect	effect	NOUN
ejif-6816	73	4	,	,	PUNCT
ejif-6816	73	5	the	the	DET
ejif-6816	73	6	card	card	NOUN
ejif-6816	73	7	issuers	issuer	NOUN
ejif-6816	73	8	may	may	AUX
ejif-6816	73	9	grant	grant	VERB
ejif-6816	73	10	new	new	ADJ
ejif-6816	73	11	cardholders	cardholder	NOUN
ejif-6816	73	12	’	'	PUNCT
ejif-6816	73	13	attractive	attractive	ADJ
ejif-6816	73	14	rebates	rebate	NOUN
ejif-6816	73	15	to	to	PART
ejif-6816	73	16	lure	lure	VERB
ejif-6816	73	17	them	they	PRON
ejif-6816	73	18	into	into	ADP
ejif-6816	73	19	subscribing	subscribe	VERB
ejif-6816	73	20	to	to	ADP
ejif-6816	73	21	the	the	DET
ejif-6816	73	22	card	card	NOUN
ejif-6816	73	23	,	,	PUNCT
ejif-6816	73	24	especially	especially	ADV
ejif-6816	73	25	on	on	ADP
ejif-6816	73	26	their	their	PRON
ejif-6816	73	27	first	first	ADJ
ejif-6816	73	28	purchases	purchase	NOUN
ejif-6816	73	29	or	or	CCONJ
ejif-6816	73	30	for	for	ADP
ejif-6816	73	31	a	a	DET
ejif-6816	73	32	limited	limited	ADJ
ejif-6816	73	33	time	time	NOUN
ejif-6816	73	34	.	.	PUNCT
ejif-6816	74	1	since	since	SCONJ
ejif-6816	74	2	the	the	DET
ejif-6816	74	3	credit	credit	NOUN
ejif-6816	74	4	risk	risk	NOUN
ejif-6816	74	5	of	of	ADP
ejif-6816	74	6	cardholders	cardholder	NOUN
ejif-6816	74	7	is	be	AUX
ejif-6816	74	8	shifted	shift	VERB
ejif-6816	74	9	from	from	ADP
ejif-6816	74	10	the	the	DET
ejif-6816	74	11	merchant	merchant	NOUN
ejif-6816	74	12	to	to	ADP
ejif-6816	74	13	the	the	DET
ejif-6816	74	14	card	card	NOUN
ejif-6816	74	15	issuer	issuer	NOUN
ejif-6816	74	16	,	,	PUNCT
ejif-6816	74	17	i.e.	i.e.	X
ejif-6816	74	18	,	,	PUNCT
ejif-6816	74	19	the	the	DET
ejif-6816	74	20	bank	bank	NOUN
ejif-6816	74	21	,	,	PUNCT
ejif-6816	74	22	the	the	DET
ejif-6816	74	23	merchants	merchant	NOUN
ejif-6816	74	24	are	be	AUX
ejif-6816	74	25	guaranteed	guarantee	VERB
ejif-6816	74	26	to	to	PART
ejif-6816	74	27	receive	receive	VERB
ejif-6816	74	28	the	the	DET
ejif-6816	74	29	payments	payment	NOUN
ejif-6816	74	30	.	.	PUNCT
ejif-6816	75	1	it	it	PRON
ejif-6816	75	2	can	can	AUX
ejif-6816	75	3	also	also	ADV
ejif-6816	75	4	european	european	PROPN
ejif-6816	75	5	journal	journal	PROPN
ejif-6816	75	6	of	of	ADP
ejif-6816	75	7	islamic	islamic	PROPN
ejif-6816	75	8	finance	finance	PROPN
ejif-6816	75	9	issn	issn	PROPN
ejif-6816	75	10	:	:	PUNCT
ejif-6816	75	11	2421	2421	NUM
ejif-6816	75	12	-	-	SYM
ejif-6816	75	13	2172	2172	NUM
ejif-6816	75	14	doi	doi	NOUN
ejif-6816	75	15	:	:	PUNCT
ejif-6816	75	16	10.13135/2421	10.13135/2421	NUM
ejif-6816	75	17	-	-	SYM
ejif-6816	75	18	2172/6816	2172/6816	NUM
ejif-6816	75	19	published	publish	VERB
ejif-6816	75	20	by	by	ADP
ejif-6816	75	21	the	the	DET
ejif-6816	75	22	university	university	PROPN
ejif-6816	75	23	of	of	ADP
ejif-6816	75	24	turin	turin	PROPN
ejif-6816	76	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	76	2	ejif	ejif	PROPN
ejif-6816	76	3	content	content	NOUN
ejif-6816	76	4	is	be	AUX
ejif-6816	76	5	licensed	license	VERB
ejif-6816	76	6	under	under	ADP
ejif-6816	76	7	a	a	DET
ejif-6816	76	8	creative	creative	ADJ
ejif-6816	76	9	commons	common	NOUN
ejif-6816	76	10	attribution	attribution	NOUN
ejif-6816	76	11	4.0	4.0	NUM
ejif-6816	76	12	international	international	ADJ
ejif-6816	76	13	license	license	NOUN
ejif-6816	76	14	received	receive	VERB
ejif-6816	76	15	:	:	PUNCT
ejif-6816	76	16	08/06/2022	08/06/2022	NOUN
ejif-6816	76	17	accepted	accept	VERB
ejif-6816	76	18	for	for	ADP
ejif-6816	76	19	publication	publication	NOUN
ejif-6816	76	20	:	:	PUNCT
ejif-6816	76	21	18/11/2022	18/11/2022	NUM
ejif-6816	76	22	published	publish	VERB
ejif-6816	76	23	:	:	PUNCT
ejif-6816	76	24	29/12/2022	29/12/2022	NUM
ejif-6816	76	25	16	16	NUM
ejif-6816	76	26	help	help	NOUN
ejif-6816	76	27	traders	trader	NOUN
ejif-6816	76	28	reduce	reduce	VERB
ejif-6816	76	29	the	the	DET
ejif-6816	76	30	difficulty	difficulty	NOUN
ejif-6816	76	31	of	of	ADP
ejif-6816	76	32	handling	handle	VERB
ejif-6816	76	33	cash	cash	NOUN
ejif-6816	76	34	in	in	ADP
ejif-6816	76	35	their	their	PRON
ejif-6816	76	36	businesses	business	NOUN
ejif-6816	76	37	and	and	CCONJ
ejif-6816	76	38	the	the	DET
ejif-6816	76	39	costs	cost	NOUN
ejif-6816	76	40	of	of	ADP
ejif-6816	76	41	transporting	transport	VERB
ejif-6816	76	42	it	it	PRON
ejif-6816	76	43	to	to	ADP
ejif-6816	76	44	banks	bank	NOUN
ejif-6816	76	45	.	.	PUNCT
ejif-6816	77	1	similarly	similarly	ADV
ejif-6816	77	2	,	,	PUNCT
ejif-6816	77	3	the	the	DET
ejif-6816	77	4	credit	credit	NOUN
ejif-6816	77	5	card	card	NOUN
ejif-6816	77	6	issuers	issuer	NOUN
ejif-6816	77	7	benefit	benefit	VERB
ejif-6816	77	8	from	from	ADP
ejif-6816	77	9	different	different	ADJ
ejif-6816	77	10	types	type	NOUN
ejif-6816	77	11	of	of	ADP
ejif-6816	77	12	penalties	penalty	NOUN
ejif-6816	77	13	and	and	CCONJ
ejif-6816	77	14	fees	fee	NOUN
ejif-6816	77	15	like	like	ADP
ejif-6816	77	16	card	card	NOUN
ejif-6816	77	17	issuing	issuing	NOUN
ejif-6816	77	18	fees	fee	NOUN
ejif-6816	77	19	,	,	PUNCT
ejif-6816	77	20	annual	annual	ADJ
ejif-6816	77	21	card	card	NOUN
ejif-6816	77	22	fees	fee	NOUN
ejif-6816	77	23	,	,	PUNCT
ejif-6816	77	24	card	card	NOUN
ejif-6816	77	25	renewal	renewal	NOUN
ejif-6816	77	26	fees	fee	NOUN
ejif-6816	77	27	,	,	PUNCT
ejif-6816	77	28	cash	cash	NOUN
ejif-6816	77	29	withdrawal	withdrawal	NOUN
ejif-6816	77	30	fees	fee	NOUN
ejif-6816	77	31	,	,	PUNCT
ejif-6816	77	32	late	late	ADJ
ejif-6816	77	33	payment	payment	NOUN
ejif-6816	77	34	penalties	penalty	NOUN
ejif-6816	77	35	etc	etc	X
ejif-6816	77	36	.	.	X
ejif-6816	77	37	,	,	PUNCT
ejif-6816	77	38	in	in	ADP
ejif-6816	77	39	addition	addition	NOUN
ejif-6816	77	40	to	to	ADP
ejif-6816	77	41	the	the	DET
ejif-6816	77	42	price	price	NOUN
ejif-6816	77	43	they	they	PRON
ejif-6816	77	44	charge	charge	VERB
ejif-6816	77	45	to	to	ADP
ejif-6816	77	46	the	the	DET
ejif-6816	77	47	merchants	merchant	NOUN
ejif-6816	77	48	for	for	ADP
ejif-6816	77	49	using	use	VERB
ejif-6816	77	50	the	the	DET
ejif-6816	77	51	technological	technological	ADJ
ejif-6816	77	52	infrastructure	infrastructure	NOUN
ejif-6816	77	53	that	that	PRON
ejif-6816	77	54	they	they	PRON
ejif-6816	77	55	use	use	VERB
ejif-6816	77	56	to	to	PART
ejif-6816	77	57	accept	accept	VERB
ejif-6816	77	58	payment	payment	NOUN
ejif-6816	77	59	through	through	ADP
ejif-6816	77	60	credit	credit	NOUN
ejif-6816	77	61	cards	card	NOUN
ejif-6816	77	62	.	.	PUNCT
ejif-6816	78	1	it	it	PRON
ejif-6816	78	2	provides	provide	VERB
ejif-6816	78	3	a	a	DET
ejif-6816	78	4	profit	profit	NOUN
ejif-6816	78	5	for	for	ADP
ejif-6816	78	6	the	the	DET
ejif-6816	78	7	issuers	issuer	NOUN
ejif-6816	78	8	through	through	ADP
ejif-6816	78	9	a	a	DET
ejif-6816	78	10	percentage	percentage	NOUN
ejif-6816	78	11	on	on	ADP
ejif-6816	78	12	all	all	DET
ejif-6816	78	13	purchases	purchase	NOUN
ejif-6816	78	14	that	that	PRON
ejif-6816	78	15	are	be	AUX
ejif-6816	78	16	charged	charge	VERB
ejif-6816	78	17	(	(	PUNCT
ejif-6816	78	18	the	the	DET
ejif-6816	78	19	interchange	interchange	NOUN
ejif-6816	78	20	fee	fee	NOUN
ejif-6816	78	21	)	)	PUNCT
ejif-6816	78	22	to	to	ADP
ejif-6816	78	23	the	the	DET
ejif-6816	78	24	merchants	merchant	NOUN
ejif-6816	78	25	accepting	accept	VERB
ejif-6816	78	26	the	the	DET
ejif-6816	78	27	card	card	NOUN
ejif-6816	78	28	,	,	PUNCT
ejif-6816	78	29	in	in	ADP
ejif-6816	78	30	addition	addition	NOUN
ejif-6816	78	31	to	to	ADP
ejif-6816	78	32	the	the	DET
ejif-6816	78	33	amount	amount	NOUN
ejif-6816	78	34	charged	charge	VERB
ejif-6816	78	35	to	to	ADP
ejif-6816	78	36	the	the	DET
ejif-6816	78	37	cardholder	cardholder	NOUN
ejif-6816	78	38	if	if	SCONJ
ejif-6816	78	39	he	he	PRON
ejif-6816	78	40	delays	delay	VERB
ejif-6816	78	41	the	the	DET
ejif-6816	78	42	credit	credit	NOUN
ejif-6816	78	43	payment	payment	NOUN
ejif-6816	78	44	beyond	beyond	ADP
ejif-6816	78	45	the	the	DET
ejif-6816	78	46	grace	grace	NOUN
ejif-6816	78	47	period	period	NOUN
ejif-6816	78	48	as	as	ADV
ejif-6816	78	49	well	well	ADV
ejif-6816	78	50	as	as	ADP
ejif-6816	78	51	the	the	DET
ejif-6816	78	52	amount	amount	NOUN
ejif-6816	78	53	charged	charge	VERB
ejif-6816	78	54	for	for	ADP
ejif-6816	78	55	using	use	VERB
ejif-6816	78	56	the	the	DET
ejif-6816	78	57	card	card	NOUN
ejif-6816	78	58	to	to	PART
ejif-6816	78	59	withdraw	withdraw	VERB
ejif-6816	78	60	cash	cash	NOUN
ejif-6816	78	61	.	.	PUNCT
ejif-6816	79	1	this	this	DET
ejif-6816	79	2	interchange	interchange	NOUN
ejif-6816	79	3	fee	fee	NOUN
ejif-6816	79	4	is	be	AUX
ejif-6816	79	5	permissible	permissible	ADJ
ejif-6816	79	6	according	accord	VERB
ejif-6816	79	7	to	to	ADP
ejif-6816	79	8	oic	oic	PROPN
ejif-6816	79	9	fiqh	fiqh	PROPN
ejif-6816	79	10	academy	academy	PROPN
ejif-6816	79	11	resolution	resolution	NOUN
ejif-6816	79	12	no	no	INTJ
ejif-6816	79	13	.	.	PROPN
ejif-6816	79	14	108	108	NUM
ejif-6816	79	15	(	(	PUNCT
ejif-6816	79	16	2/12	2/12	NUM
ejif-6816	79	17	)	)	PUNCT
ejif-6816	79	18	and	and	CCONJ
ejif-6816	79	19	according	accord	VERB
ejif-6816	79	20	to	to	ADP
ejif-6816	79	21	the	the	DET
ejif-6816	79	22	shariah	shariah	PROPN
ejif-6816	79	23	standard	standard	PROPN
ejif-6816	79	24	no	no	NOUN
ejif-6816	79	25	.	.	PROPN
ejif-6816	79	26	2/5	2/5	NUM
ejif-6816	79	27	issued	issue	VERB
ejif-6816	79	28	by	by	ADP
ejif-6816	79	29	accounting	account	VERB
ejif-6816	79	30	and	and	CCONJ
ejif-6816	79	31	auditing	auditing	NOUN
ejif-6816	79	32	organization	organization	NOUN
ejif-6816	79	33	for	for	ADP
ejif-6816	79	34	islamic	islamic	ADJ
ejif-6816	79	35	financial	financial	ADJ
ejif-6816	79	36	institutions	institution	NOUN
ejif-6816	79	37	(	(	PUNCT
ejif-6816	79	38	aaoifi	aaoifi	NOUN
ejif-6816	79	39	)	)	PUNCT
ejif-6816	80	1	[	[	X
ejif-6816	80	2	20	20	NUM
ejif-6816	80	3	]	]	PUNCT
ejif-6816	80	4	.	.	PUNCT
ejif-6816	81	1	issuers	issuer	NOUN
ejif-6816	81	2	may	may	AUX
ejif-6816	81	3	also	also	ADV
ejif-6816	81	4	charge	charge	VERB
ejif-6816	81	5	issuance	issuance	NOUN
ejif-6816	81	6	or	or	CCONJ
ejif-6816	81	7	periodical	periodical	ADJ
ejif-6816	81	8	fees	fee	NOUN
ejif-6816	81	9	to	to	ADP
ejif-6816	81	10	the	the	DET
ejif-6816	81	11	cardholder	cardholder	NOUN
ejif-6816	81	12	regardless	regardless	ADV
ejif-6816	81	13	of	of	ADP
ejif-6816	81	14	whether	whether	SCONJ
ejif-6816	81	15	the	the	DET
ejif-6816	81	16	cardholder	cardholder	NOUN
ejif-6816	81	17	uses	use	VERB
ejif-6816	81	18	the	the	DET
ejif-6816	81	19	card	card	NOUN
ejif-6816	81	20	.	.	PUNCT
ejif-6816	82	1	oic	oic	PROPN
ejif-6816	82	2	fiqh	fiqh	PROPN
ejif-6816	82	3	academy	academy	PROPN
ejif-6816	82	4	’s	’s	PART
ejif-6816	82	5	resolution	resolution	NOUN
ejif-6816	82	6	no	no	NOUN
ejif-6816	82	7	.	.	PROPN
ejif-6816	82	8	108	108	NUM
ejif-6816	82	9	(	(	PUNCT
ejif-6816	82	10	2/12	2/12	NUM
ejif-6816	82	11	)	)	PUNCT
ejif-6816	82	12	deems	deem	VERB
ejif-6816	82	13	these	these	DET
ejif-6816	82	14	permissible	permissible	ADJ
ejif-6816	82	15	as	as	SCONJ
ejif-6816	82	16	they	they	PRON
ejif-6816	82	17	are	be	AUX
ejif-6816	82	18	against	against	ADP
ejif-6816	82	19	the	the	DET
ejif-6816	82	20	embedded	embed	VERB
ejif-6816	82	21	services	service	NOUN
ejif-6816	82	22	in	in	ADP
ejif-6816	82	23	the	the	DET
ejif-6816	82	24	card	card	NOUN
ejif-6816	82	25	,	,	PUNCT
ejif-6816	82	26	apart	apart	ADV
ejif-6816	82	27	from	from	ADP
ejif-6816	82	28	the	the	DET
ejif-6816	82	29	credit	credit	NOUN
ejif-6816	82	30	involved	involve	VERB
ejif-6816	82	31	.	.	PUNCT
ejif-6816	83	1	however	however	ADV
ejif-6816	83	2	,	,	PUNCT
ejif-6816	83	3	credit	credit	NOUN
ejif-6816	83	4	cards	card	NOUN
ejif-6816	83	5	have	have	VERB
ejif-6816	83	6	drawbacks	drawback	NOUN
ejif-6816	83	7	for	for	ADP
ejif-6816	83	8	cardholders	cardholder	NOUN
ejif-6816	83	9	,	,	PUNCT
ejif-6816	83	10	issuers	issuer	NOUN
ejif-6816	83	11	and	and	CCONJ
ejif-6816	83	12	accepting	accept	VERB
ejif-6816	83	13	parties	party	NOUN
ejif-6816	83	14	.	.	PUNCT
ejif-6816	84	1	the	the	DET
ejif-6816	84	2	conventional	conventional	ADJ
ejif-6816	84	3	credit	credit	NOUN
ejif-6816	84	4	cardholder	cardholder	NOUN
ejif-6816	84	5	is	be	AUX
ejif-6816	84	6	supposed	suppose	VERB
ejif-6816	84	7	to	to	PART
ejif-6816	84	8	pay	pay	VERB
ejif-6816	84	9	the	the	DET
ejif-6816	84	10	considerable	considerable	ADJ
ejif-6816	84	11	compound	compound	NOUN
ejif-6816	84	12	interest	interest	NOUN
ejif-6816	84	13	(	(	PUNCT
ejif-6816	84	14	riba	riba	PROPN
ejif-6816	84	15	)	)	PUNCT
ejif-6816	84	16	if	if	SCONJ
ejif-6816	84	17	he	he	PRON
ejif-6816	84	18	does	do	AUX
ejif-6816	84	19	not	not	PART
ejif-6816	84	20	repay	repay	VERB
ejif-6816	84	21	the	the	DET
ejif-6816	84	22	credit	credit	NOUN
ejif-6816	84	23	amount	amount	NOUN
ejif-6816	84	24	before	before	ADP
ejif-6816	84	25	the	the	DET
ejif-6816	84	26	end	end	NOUN
ejif-6816	84	27	of	of	ADP
ejif-6816	84	28	the	the	DET
ejif-6816	84	29	grace	grace	NOUN
ejif-6816	84	30	period	period	NOUN
ejif-6816	84	31	.	.	PUNCT
ejif-6816	85	1	the	the	DET
ejif-6816	85	2	interest	interest	NOUN
ejif-6816	85	3	rate	rate	NOUN
ejif-6816	85	4	is	be	AUX
ejif-6816	85	5	estimated	estimate	VERB
ejif-6816	85	6	at	at	ADP
ejif-6816	85	7	around	around	ADV
ejif-6816	85	8	2	2	NUM
ejif-6816	85	9	%	%	NOUN
ejif-6816	85	10	per	per	ADP
ejif-6816	85	11	month	month	NOUN
ejif-6816	85	12	.	.	PUNCT
ejif-6816	86	1	the	the	DET
ejif-6816	86	2	grace	grace	NOUN
ejif-6816	86	3	period	period	NOUN
ejif-6816	86	4	is	be	AUX
ejif-6816	86	5	cancelled	cancel	VERB
ejif-6816	86	6	if	if	SCONJ
ejif-6816	86	7	an	an	DET
ejif-6816	86	8	unpaid	unpaid	ADJ
ejif-6816	86	9	amount	amount	NOUN
ejif-6816	86	10	remains	remain	VERB
ejif-6816	86	11	from	from	ADP
ejif-6816	86	12	the	the	DET
ejif-6816	86	13	last	last	ADJ
ejif-6816	86	14	period	period	NOUN
ejif-6816	86	15	.	.	PUNCT
ejif-6816	87	1	the	the	DET
ejif-6816	87	2	interest	interest	NOUN
ejif-6816	87	3	calculation	calculation	NOUN
ejif-6816	87	4	begins	begin	VERB
ejif-6816	87	5	on	on	ADP
ejif-6816	87	6	the	the	DET
ejif-6816	87	7	first	first	ADJ
ejif-6816	87	8	day	day	NOUN
ejif-6816	87	9	the	the	DET
ejif-6816	87	10	monthly	monthly	ADJ
ejif-6816	87	11	bill	bill	NOUN
ejif-6816	87	12	is	be	AUX
ejif-6816	87	13	issued	issue	VERB
ejif-6816	87	14	.	.	PUNCT
ejif-6816	88	1	this	this	PRON
ejif-6816	88	2	could	could	AUX
ejif-6816	88	3	lead	lead	VERB
ejif-6816	88	4	the	the	DET
ejif-6816	88	5	cardholder	cardholder	NOUN
ejif-6816	88	6	to	to	PART
ejif-6816	88	7	be	be	AUX
ejif-6816	88	8	gripped	grip	VERB
ejif-6816	88	9	in	in	ADP
ejif-6816	88	10	the	the	DET
ejif-6816	88	11	clutches	clutch	NOUN
ejif-6816	88	12	of	of	ADP
ejif-6816	88	13	debt	debt	NOUN
ejif-6816	88	14	so	so	SCONJ
ejif-6816	88	15	that	that	SCONJ
ejif-6816	88	16	he	he	PRON
ejif-6816	88	17	may	may	AUX
ejif-6816	88	18	keep	keep	VERB
ejif-6816	88	19	paying	pay	VERB
ejif-6816	88	20	his	his	PRON
ejif-6816	88	21	debts	debt	NOUN
ejif-6816	88	22	for	for	ADP
ejif-6816	88	23	several	several	ADJ
ejif-6816	88	24	years	year	NOUN
ejif-6816	88	25	.	.	PUNCT
ejif-6816	89	1	the	the	DET
ejif-6816	89	2	issuing	issue	VERB
ejif-6816	89	3	parties	party	NOUN
ejif-6816	89	4	justify	justify	VERB
ejif-6816	89	5	the	the	DET
ejif-6816	89	6	high	high	ADJ
ejif-6816	89	7	interest	interest	NOUN
ejif-6816	89	8	by	by	ADP
ejif-6816	89	9	the	the	DET
ejif-6816	89	10	high	high	ADJ
ejif-6816	89	11	probability	probability	NOUN
ejif-6816	89	12	of	of	ADP
ejif-6816	89	13	default	default	NOUN
ejif-6816	89	14	and	and	CCONJ
ejif-6816	89	15	failure	failure	NOUN
ejif-6816	89	16	to	to	PART
ejif-6816	89	17	repay	repay	VERB
ejif-6816	89	18	the	the	DET
ejif-6816	89	19	debt	debt	NOUN
ejif-6816	89	20	.	.	PUNCT
ejif-6816	90	1	this	this	PRON
ejif-6816	90	2	means	mean	VERB
ejif-6816	90	3	that	that	SCONJ
ejif-6816	90	4	some	some	DET
ejif-6816	90	5	cardholders	cardholder	NOUN
ejif-6816	90	6	pay	pay	VERB
ejif-6816	90	7	on	on	ADP
ejif-6816	90	8	behalf	behalf	NOUN
ejif-6816	90	9	of	of	ADP
ejif-6816	90	10	others	other	NOUN
ejif-6816	90	11	to	to	PART
ejif-6816	90	12	render	render	VERB
ejif-6816	90	13	this	this	DET
ejif-6816	90	14	business	business	NOUN
ejif-6816	90	15	as	as	ADV
ejif-6816	90	16	profitable	profitable	ADJ
ejif-6816	90	17	to	to	ADP
ejif-6816	90	18	the	the	DET
ejif-6816	90	19	issuers	issuer	NOUN
ejif-6816	90	20	.	.	PUNCT
ejif-6816	91	1	apart	apart	ADV
ejif-6816	91	2	from	from	ADP
ejif-6816	91	3	this	this	DET
ejif-6816	91	4	financial	financial	ADJ
ejif-6816	91	5	disadvantage	disadvantage	NOUN
ejif-6816	91	6	,	,	PUNCT
ejif-6816	91	7	credit	credit	NOUN
ejif-6816	91	8	card	card	NOUN
ejif-6816	91	9	encourages	encourage	VERB
ejif-6816	91	10	its	its	PRON
ejif-6816	91	11	holder	holder	NOUN
ejif-6816	91	12	to	to	PART
ejif-6816	91	13	buy	buy	VERB
ejif-6816	91	14	unnecessary	unnecessary	ADJ
ejif-6816	91	15	things	thing	NOUN
ejif-6816	91	16	,	,	PUNCT
ejif-6816	91	17	encouraging	encourage	VERB
ejif-6816	91	18	thus	thus	ADV
ejif-6816	91	19	extravagance	extravagance	NOUN
ejif-6816	91	20	and	and	CCONJ
ejif-6816	91	21	the	the	DET
ejif-6816	91	22	purchase	purchase	NOUN
ejif-6816	91	23	of	of	ADP
ejif-6816	91	24	luxuries	luxury	NOUN
ejif-6816	91	25	,	,	PUNCT
ejif-6816	91	26	which	which	PRON
ejif-6816	91	27	contradicts	contradict	VERB
ejif-6816	91	28	moderate	moderate	ADJ
ejif-6816	91	29	spending	spending	NOUN
ejif-6816	91	30	and	and	CCONJ
ejif-6816	91	31	good	good	ADJ
ejif-6816	91	32	management	management	NOUN
ejif-6816	91	33	of	of	ADP
ejif-6816	91	34	money	money	NOUN
ejif-6816	91	35	.	.	PUNCT
ejif-6816	92	1	abozaid	abozaid	VERB
ejif-6816	93	1	[	[	X
ejif-6816	93	2	21	21	NUM
ejif-6816	93	3	]	]	PUNCT
ejif-6816	93	4	highlights	highlight	NOUN
ejif-6816	93	5	that	that	SCONJ
ejif-6816	93	6	it	it	PRON
ejif-6816	93	7	contradicts	contradict	VERB
ejif-6816	93	8	the	the	DET
ejif-6816	93	9	shariah	shariah	PROPN
ejif-6816	93	10	stand	stand	NOUN
ejif-6816	93	11	on	on	ADP
ejif-6816	93	12	debt	debt	NOUN
ejif-6816	93	13	,	,	PUNCT
ejif-6816	93	14	as	as	SCONJ
ejif-6816	93	15	shariah	shariah	PROPN
ejif-6816	93	16	does	do	AUX
ejif-6816	93	17	not	not	PART
ejif-6816	93	18	encourage	encourage	VERB
ejif-6816	93	19	incurring	incur	VERB
ejif-6816	93	20	debts	debt	NOUN
ejif-6816	93	21	.	.	PUNCT
ejif-6816	94	1	however	however	ADV
ejif-6816	94	2	,	,	PUNCT
ejif-6816	94	3	it	it	PRON
ejif-6816	94	4	encourages	encourage	VERB
ejif-6816	94	5	providing	provide	VERB
ejif-6816	94	6	good	good	ADJ
ejif-6816	94	7	loans	loan	NOUN
ejif-6816	94	8	to	to	ADP
ejif-6816	94	9	those	those	PRON
ejif-6816	94	10	who	who	PRON
ejif-6816	94	11	are	be	AUX
ejif-6816	94	12	impecunious	impecunious	ADJ
ejif-6816	94	13	and	and	CCONJ
ejif-6816	94	14	in	in	ADP
ejif-6816	94	15	need	need	NOUN
ejif-6816	94	16	.	.	PUNCT
ejif-6816	95	1	the	the	DET
ejif-6816	95	2	concept	concept	NOUN
ejif-6816	95	3	of	of	ADP
ejif-6816	95	4	credit	credit	NOUN
ejif-6816	95	5	cards	card	NOUN
ejif-6816	95	6	encourages	encourage	VERB
ejif-6816	95	7	consumerism	consumerism	NOUN
ejif-6816	95	8	and	and	CCONJ
ejif-6816	95	9	debt	debt	NOUN
ejif-6816	95	10	-	-	PUNCT
ejif-6816	95	11	taking	taking	NOUN
ejif-6816	95	12	,	,	PUNCT
ejif-6816	95	13	which	which	PRON
ejif-6816	95	14	leads	lead	VERB
ejif-6816	95	15	to	to	ADP
ejif-6816	95	16	mounting	mount	VERB
ejif-6816	95	17	indebtedness	indebtedness	NOUN
ejif-6816	95	18	and	and	CCONJ
ejif-6816	95	19	financial	financial	ADJ
ejif-6816	95	20	instability	instability	NOUN
ejif-6816	95	21	in	in	ADP
ejif-6816	95	22	society	society	NOUN
ejif-6816	95	23	.	.	PUNCT
ejif-6816	96	1	the	the	DET
ejif-6816	96	2	traders	trader	NOUN
ejif-6816	96	3	also	also	ADV
ejif-6816	96	4	lose	lose	VERB
ejif-6816	96	5	some	some	DET
ejif-6816	96	6	profits	profit	NOUN
ejif-6816	96	7	from	from	ADP
ejif-6816	96	8	the	the	DET
ejif-6816	96	9	credit	credit	NOUN
ejif-6816	96	10	card	card	NOUN
ejif-6816	96	11	because	because	SCONJ
ejif-6816	96	12	the	the	DET
ejif-6816	96	13	banks	bank	NOUN
ejif-6816	96	14	issuing	issue	VERB
ejif-6816	96	15	the	the	DET
ejif-6816	96	16	credit	credit	NOUN
ejif-6816	96	17	cards	card	NOUN
ejif-6816	96	18	discount	discount	VERB
ejif-6816	96	19	a	a	DET
ejif-6816	96	20	certain	certain	ADJ
ejif-6816	96	21	amount	amount	NOUN
ejif-6816	96	22	(	(	PUNCT
ejif-6816	96	23	2.5	2.5	NUM
ejif-6816	96	24	%	%	NOUN
ejif-6816	96	25	on	on	ADP
ejif-6816	96	26	average	average	ADJ
ejif-6816	96	27	)	)	PUNCT
ejif-6816	96	28	from	from	ADP
ejif-6816	96	29	the	the	DET
ejif-6816	96	30	value	value	NOUN
ejif-6816	96	31	of	of	ADP
ejif-6816	96	32	the	the	DET
ejif-6816	96	33	sale	sale	NOUN
ejif-6816	96	34	items	item	NOUN
ejif-6816	96	35	through	through	ADP
ejif-6816	96	36	the	the	DET
ejif-6816	96	37	card	card	NOUN
ejif-6816	96	38	(	(	PUNCT
ejif-6816	96	39	the	the	DET
ejif-6816	96	40	interchange	interchange	NOUN
ejif-6816	96	41	fee	fee	NOUN
ejif-6816	96	42	)	)	PUNCT
ejif-6816	96	43	.	.	PUNCT
ejif-6816	97	1	this	this	PRON
ejif-6816	97	2	could	could	AUX
ejif-6816	97	3	cause	cause	VERB
ejif-6816	97	4	businesses	business	NOUN
ejif-6816	97	5	to	to	PART
ejif-6816	97	6	increase	increase	VERB
ejif-6816	97	7	their	their	PRON
ejif-6816	97	8	prices	price	NOUN
ejif-6816	97	9	to	to	PART
ejif-6816	97	10	compensate	compensate	VERB
ejif-6816	97	11	for	for	ADP
ejif-6816	97	12	this	this	DET
ejif-6816	97	13	deduction	deduction	NOUN
ejif-6816	97	14	,	,	PUNCT
ejif-6816	97	15	and	and	CCONJ
ejif-6816	97	16	such	such	DET
ejif-6816	97	17	an	an	DET
ejif-6816	97	18	increase	increase	NOUN
ejif-6816	97	19	is	be	AUX
ejif-6816	97	20	ultimately	ultimately	ADV
ejif-6816	97	21	borne	bear	VERB
ejif-6816	97	22	by	by	ADP
ejif-6816	97	23	the	the	DET
ejif-6816	97	24	buyers	buyer	NOUN
ejif-6816	97	25	.	.	PUNCT
ejif-6816	98	1	thus	thus	ADV
ejif-6816	98	2	,	,	PUNCT
ejif-6816	98	3	credit	credit	NOUN
ejif-6816	98	4	cards	card	NOUN
ejif-6816	98	5	contain	contain	VERB
ejif-6816	98	6	benefits	benefit	NOUN
ejif-6816	98	7	and	and	CCONJ
ejif-6816	98	8	harms	harm	NOUN
ejif-6816	98	9	for	for	ADP
ejif-6816	98	10	their	their	PRON
ejif-6816	98	11	users	user	NOUN
ejif-6816	98	12	,	,	PUNCT
ejif-6816	98	13	and	and	CCONJ
ejif-6816	98	14	it	it	PRON
ejif-6816	98	15	is	be	AUX
ejif-6816	98	16	left	leave	VERB
ejif-6816	98	17	to	to	ADP
ejif-6816	98	18	the	the	DET
ejif-6816	98	19	financial	financial	ADJ
ejif-6816	98	20	skills	skill	NOUN
ejif-6816	98	21	and	and	CCONJ
ejif-6816	98	22	knowledge	knowledge	NOUN
ejif-6816	98	23	of	of	ADP
ejif-6816	98	24	the	the	DET
ejif-6816	98	25	user	user	NOUN
ejif-6816	98	26	and	and	CCONJ
ejif-6816	98	27	the	the	DET
ejif-6816	98	28	way	way	NOUN
ejif-6816	98	29	he	he	PRON
ejif-6816	98	30	/	/	PUNCT
ejif-6816	98	31	she	she	PRON
ejif-6816	98	32	chooses	choose	VERB
ejif-6816	98	33	to	to	PART
ejif-6816	98	34	use	use	VERB
ejif-6816	98	35	it	it	PRON
ejif-6816	98	36	.	.	PUNCT
ejif-6816	99	1	however	however	ADV
ejif-6816	99	2	,	,	PUNCT
ejif-6816	99	3	they	they	PRON
ejif-6816	99	4	have	have	AUX
ejif-6816	99	5	become	become	VERB
ejif-6816	99	6	part	part	NOUN
ejif-6816	99	7	of	of	ADP
ejif-6816	99	8	the	the	DET
ejif-6816	99	9	demands	demand	NOUN
ejif-6816	99	10	of	of	ADP
ejif-6816	99	11	modern	modern	ADJ
ejif-6816	99	12	life	life	NOUN
ejif-6816	99	13	.	.	PUNCT
ejif-6816	100	1	with	with	ADP
ejif-6816	100	2	an	an	DET
ejif-6816	100	3	increase	increase	NOUN
ejif-6816	100	4	in	in	ADP
ejif-6816	100	5	internet	internet	NOUN
ejif-6816	100	6	usage	usage	NOUN
ejif-6816	100	7	and	and	CCONJ
ejif-6816	100	8	the	the	DET
ejif-6816	100	9	trend	trend	NOUN
ejif-6816	100	10	of	of	ADP
ejif-6816	100	11	e	e	NOUN
ejif-6816	100	12	-	-	NOUN
ejif-6816	100	13	commerce	commerce	NOUN
ejif-6816	100	14	,	,	PUNCT
ejif-6816	100	15	and	and	CCONJ
ejif-6816	100	16	other	other	ADJ
ejif-6816	100	17	technological	technological	ADJ
ejif-6816	100	18	advancements	advancement	NOUN
ejif-6816	100	19	,	,	PUNCT
ejif-6816	100	20	the	the	DET
ejif-6816	100	21	credit	credit	NOUN
ejif-6816	100	22	card	card	NOUN
ejif-6816	100	23	has	have	AUX
ejif-6816	100	24	become	become	VERB
ejif-6816	100	25	an	an	DET
ejif-6816	100	26	indispensable	indispensable	ADJ
ejif-6816	100	27	tool	tool	NOUN
ejif-6816	100	28	for	for	ADP
ejif-6816	100	29	effecting	effect	VERB
ejif-6816	100	30	payment	payment	NOUN
ejif-6816	100	31	.	.	PUNCT
ejif-6816	101	1	there	there	PRON
ejif-6816	101	2	is	be	VERB
ejif-6816	101	3	hardly	hardly	ADV
ejif-6816	101	4	a	a	DET
ejif-6816	101	5	single	single	ADJ
ejif-6816	101	6	person	person	NOUN
ejif-6816	101	7	living	live	VERB
ejif-6816	101	8	in	in	ADP
ejif-6816	101	9	a	a	DET
ejif-6816	101	10	country	country	NOUN
ejif-6816	101	11	with	with	ADP
ejif-6816	101	12	a	a	DET
ejif-6816	101	13	developed	develop	VERB
ejif-6816	101	14	financial	financial	ADJ
ejif-6816	101	15	system	system	NOUN
ejif-6816	101	16	who	who	PRON
ejif-6816	101	17	does	do	AUX
ejif-6816	101	18	not	not	PART
ejif-6816	101	19	carry	carry	VERB
ejif-6816	101	20	a	a	DET
ejif-6816	101	21	credit	credit	NOUN
ejif-6816	101	22	card	card	NOUN
ejif-6816	101	23	,	,	PUNCT
ejif-6816	101	24	especially	especially	ADV
ejif-6816	101	25	in	in	ADP
ejif-6816	101	26	this	this	DET
ejif-6816	101	27	digital	digital	ADJ
ejif-6816	101	28	era	era	NOUN
ejif-6816	101	29	.	.	PUNCT
ejif-6816	102	1	according	accord	VERB
ejif-6816	102	2	to	to	ADP
ejif-6816	102	3	the	the	DET
ejif-6816	102	4	world	world	NOUN
ejif-6816	102	5	payments	payment	NOUN
ejif-6816	102	6	report	report	VERB
ejif-6816	102	7	2020	2020	NUM
ejif-6816	102	8	(	(	PUNCT
ejif-6816	102	9	capgemini	capgemini	NOUN
ejif-6816	102	10	)	)	PUNCT
ejif-6816	102	11	[	[	X
ejif-6816	102	12	22	22	NUM
ejif-6816	102	13	]	]	PUNCT
ejif-6816	102	14	,	,	PUNCT
ejif-6816	102	15	global	global	ADJ
ejif-6816	102	16	non	non	ADJ
ejif-6816	102	17	-	-	ADJ
ejif-6816	102	18	cash	cash	ADJ
ejif-6816	102	19	transactions	transaction	NOUN
ejif-6816	102	20	surged	surge	VERB
ejif-6816	102	21	nearly	nearly	ADV
ejif-6816	102	22	14	14	NUM
ejif-6816	102	23	%	%	NOUN
ejif-6816	102	24	from	from	ADP
ejif-6816	102	25	2018	2018	NUM
ejif-6816	102	26	-	-	SYM
ejif-6816	102	27	2019	2019	NUM
ejif-6816	102	28	to	to	PART
ejif-6816	102	29	reach	reach	VERB
ejif-6816	102	30	708.5	708.5	NUM
ejif-6816	102	31	billion	billion	NUM
ejif-6816	102	32	transactions	transaction	NOUN
ejif-6816	102	33	,	,	PUNCT
ejif-6816	102	34	the	the	DET
ejif-6816	102	35	highest	high	ADJ
ejif-6816	102	36	growth	growth	NOUN
ejif-6816	102	37	rate	rate	NOUN
ejif-6816	102	38	recorded	record	VERB
ejif-6816	102	39	in	in	ADP
ejif-6816	102	40	the	the	DET
ejif-6816	102	41	past	past	ADJ
ejif-6816	102	42	decade	decade	NOUN
ejif-6816	102	43	.	.	PUNCT
ejif-6816	103	1	the	the	DET
ejif-6816	103	2	report	report	NOUN
ejif-6816	103	3	predicts	predict	VERB
ejif-6816	103	4	a	a	DET
ejif-6816	103	5	compound	compound	NOUN
ejif-6816	103	6	annual	annual	ADJ
ejif-6816	103	7	growth	growth	NOUN
ejif-6816	103	8	rate	rate	NOUN
ejif-6816	103	9	(	(	PUNCT
ejif-6816	103	10	cagr	cagr	NOUN
ejif-6816	103	11	)	)	PUNCT
ejif-6816	103	12	of	of	ADP
ejif-6816	103	13	12	12	NUM
ejif-6816	103	14	%	%	NOUN
ejif-6816	103	15	for	for	ADP
ejif-6816	103	16	global	global	ADJ
ejif-6816	103	17	non	non	ADJ
ejif-6816	103	18	-	-	ADJ
ejif-6816	103	19	cash	cash	ADJ
ejif-6816	103	20	transactions	transaction	NOUN
ejif-6816	103	21	for	for	ADP
ejif-6816	103	22	2019	2019	NUM
ejif-6816	103	23	-	-	SYM
ejif-6816	103	24	2023	2023	NUM
ejif-6816	103	25	.	.	PUNCT
ejif-6816	104	1	does	do	AUX
ejif-6816	104	2	this	this	PRON
ejif-6816	104	3	pose	pose	VERB
ejif-6816	104	4	a	a	DET
ejif-6816	104	5	question	question	NOUN
ejif-6816	104	6	:	:	PUNCT
ejif-6816	104	7	do	do	AUX
ejif-6816	104	8	these	these	DET
ejif-6816	104	9	benefits	benefit	NOUN
ejif-6816	104	10	justify	justify	VERB
ejif-6816	104	11	using	use	VERB
ejif-6816	104	12	credit	credit	NOUN
ejif-6816	104	13	cards	card	NOUN
ejif-6816	104	14	if	if	SCONJ
ejif-6816	104	15	the	the	DET
ejif-6816	104	16	holder	holder	NOUN
ejif-6816	104	17	seeks	seek	VERB
ejif-6816	104	18	to	to	PART
ejif-6816	104	19	repay	repay	VERB
ejif-6816	104	20	the	the	DET
ejif-6816	104	21	loaned	loan	VERB
ejif-6816	104	22	amount	amount	NOUN
ejif-6816	104	23	within	within	ADP
ejif-6816	104	24	the	the	DET
ejif-6816	104	25	grace	grace	NOUN
ejif-6816	104	26	period	period	NOUN
ejif-6816	104	27	?	?	PUNCT
ejif-6816	105	1	on	on	ADP
ejif-6816	105	2	the	the	DET
ejif-6816	105	3	other	other	ADJ
ejif-6816	105	4	hand	hand	NOUN
ejif-6816	105	5	,	,	PUNCT
ejif-6816	105	6	is	be	AUX
ejif-6816	105	7	the	the	DET
ejif-6816	105	8	mere	mere	ADJ
ejif-6816	105	9	subscription	subscription	NOUN
ejif-6816	105	10	to	to	ADP
ejif-6816	105	11	a	a	DET
ejif-6816	105	12	credit	credit	NOUN
ejif-6816	105	13	card	card	NOUN
ejif-6816	105	14	a	a	DET
ejif-6816	105	15	problem	problem	NOUN
ejif-6816	105	16	from	from	ADP
ejif-6816	105	17	a	a	DET
ejif-6816	105	18	shariah	shariah	PROPN
ejif-6816	105	19	perspective	perspective	NOUN
ejif-6816	105	20	due	due	ADP
ejif-6816	105	21	to	to	ADP
ejif-6816	105	22	the	the	DET
ejif-6816	105	23	possibility	possibility	NOUN
ejif-6816	105	24	of	of	ADP
ejif-6816	105	25	paying	pay	VERB
ejif-6816	105	26	interest	interest	NOUN
ejif-6816	105	27	if	if	SCONJ
ejif-6816	105	28	there	there	PRON
ejif-6816	105	29	is	be	VERB
ejif-6816	105	30	an	an	DET
ejif-6816	105	31	unplanned	unplanned	ADJ
ejif-6816	105	32	or	or	CCONJ
ejif-6816	105	33	unintentional	unintentional	ADJ
ejif-6816	105	34	delay	delay	NOUN
ejif-6816	105	35	,	,	PUNCT
ejif-6816	105	36	or	or	CCONJ
ejif-6816	105	37	due	due	ADP
ejif-6816	105	38	to	to	ADP
ejif-6816	105	39	the	the	DET
ejif-6816	105	40	implicit	implicit	ADJ
ejif-6816	105	41	agreement	agreement	NOUN
ejif-6816	105	42	of	of	ADP
ejif-6816	105	43	paying	pay	VERB
ejif-6816	105	44	riba	riba	NOUN
ejif-6816	105	45	in	in	ADP
ejif-6816	105	46	the	the	DET
ejif-6816	105	47	case	case	NOUN
ejif-6816	105	48	of	of	ADP
ejif-6816	105	49	delayed	delay	VERB
ejif-6816	105	50	repayment	repayment	NOUN
ejif-6816	105	51	?	?	PUNCT
ejif-6816	106	1	to	to	PART
ejif-6816	106	2	answer	answer	VERB
ejif-6816	106	3	these	these	DET
ejif-6816	106	4	questions	question	NOUN
ejif-6816	106	5	,	,	PUNCT
ejif-6816	106	6	the	the	DET
ejif-6816	106	7	paper	paper	NOUN
ejif-6816	106	8	will	will	AUX
ejif-6816	106	9	present	present	VERB
ejif-6816	106	10	the	the	DET
ejif-6816	106	11	supposed	suppose	VERB
ejif-6816	106	12	alternative	alternative	NOUN
ejif-6816	106	13	to	to	ADP
ejif-6816	106	14	credit	credit	NOUN
ejif-6816	106	15	cards	card	NOUN
ejif-6816	106	16	that	that	PRON
ejif-6816	106	17	islamic	islamic	ADJ
ejif-6816	106	18	banks	bank	NOUN
ejif-6816	106	19	provide	provide	VERB
ejif-6816	106	20	.	.	PUNCT
ejif-6816	107	1	if	if	SCONJ
ejif-6816	107	2	this	this	DET
ejif-6816	107	3	alternative	alternative	NOUN
ejif-6816	107	4	were	be	AUX
ejif-6816	107	5	sound	sound	ADJ
ejif-6816	107	6	from	from	ADP
ejif-6816	107	7	the	the	DET
ejif-6816	107	8	shariah	shariah	PROPN
ejif-6816	107	9	perspective	perspective	NOUN
ejif-6816	107	10	,	,	PUNCT
ejif-6816	107	11	it	it	PRON
ejif-6816	107	12	would	would	AUX
ejif-6816	107	13	free	free	VERB
ejif-6816	107	14	us	we	PRON
ejif-6816	107	15	from	from	ADP
ejif-6816	107	16	the	the	DET
ejif-6816	107	17	need	need	NOUN
ejif-6816	107	18	to	to	PART
ejif-6816	107	19	use	use	VERB
ejif-6816	107	20	conventional	conventional	ADJ
ejif-6816	107	21	credit	credit	NOUN
ejif-6816	107	22	cards	card	NOUN
ejif-6816	107	23	,	,	PUNCT
ejif-6816	107	24	and	and	CCONJ
ejif-6816	107	25	it	it	PRON
ejif-6816	107	26	would	would	AUX
ejif-6816	107	27	assist	assist	VERB
ejif-6816	107	28	us	we	PRON
ejif-6816	107	29	in	in	ADP
ejif-6816	107	30	judging	judge	VERB
ejif-6816	107	31	their	their	PRON
ejif-6816	107	32	use	use	NOUN
ejif-6816	107	33	as	as	ADP
ejif-6816	107	34	impermissible	impermissible	ADJ
ejif-6816	107	35	.	.	PUNCT
ejif-6816	108	1	iv	iv	X
ejif-6816	108	2	.	.	PUNCT
ejif-6816	108	3	credit	credit	NOUN
ejif-6816	108	4	cards	card	NOUN
ejif-6816	108	5	issued	issue	VERB
ejif-6816	108	6	by	by	ADP
ejif-6816	108	7	islamic	islamic	ADJ
ejif-6816	108	8	banks	bank	NOUN
ejif-6816	108	9	since	since	SCONJ
ejif-6816	108	10	conventional	conventional	ADJ
ejif-6816	108	11	credit	credit	NOUN
ejif-6816	108	12	cards	card	NOUN
ejif-6816	108	13	are	be	AUX
ejif-6816	108	14	based	base	VERB
ejif-6816	108	15	on	on	ADP
ejif-6816	108	16	debt	debt	NOUN
ejif-6816	108	17	financing	financing	NOUN
ejif-6816	108	18	,	,	PUNCT
ejif-6816	108	19	and	and	CCONJ
ejif-6816	108	20	any	any	DET
ejif-6816	108	21	increment	increment	NOUN
ejif-6816	108	22	to	to	ADP
ejif-6816	108	23	the	the	DET
ejif-6816	108	24	debt	debt	NOUN
ejif-6816	108	25	violates	violate	VERB
ejif-6816	108	26	islamic	islamic	ADJ
ejif-6816	108	27	law	law	NOUN
ejif-6816	108	28	,	,	PUNCT
ejif-6816	108	29	islamic	islamic	ADJ
ejif-6816	108	30	banks	bank	NOUN
ejif-6816	108	31	started	start	VERB
ejif-6816	108	32	issuing	issue	VERB
ejif-6816	108	33	credit	credit	NOUN
ejif-6816	108	34	cards	card	NOUN
ejif-6816	108	35	as	as	ADP
ejif-6816	108	36	an	an	DET
ejif-6816	108	37	alternative	alternative	NOUN
ejif-6816	108	38	to	to	ADP
ejif-6816	108	39	conventional	conventional	ADJ
ejif-6816	108	40	credit	credit	NOUN
ejif-6816	108	41	cards	card	NOUN
ejif-6816	108	42	after	after	SCONJ
ejif-6816	108	43	the	the	DET
ejif-6816	108	44	latter	latter	ADJ
ejif-6816	108	45	was	be	AUX
ejif-6816	108	46	ruled	rule	VERB
ejif-6816	108	47	impermissible	impermissible	ADJ
ejif-6816	108	48	,	,	PUNCT
ejif-6816	108	49	given	give	VERB
ejif-6816	108	50	the	the	DET
ejif-6816	108	51	riba	riba	NOUN
ejif-6816	108	52	involved	involve	VERB
ejif-6816	108	53	.	.	PUNCT
ejif-6816	109	1	the	the	DET
ejif-6816	109	2	relationship	relationship	NOUN
ejif-6816	109	3	between	between	ADP
ejif-6816	109	4	the	the	DET
ejif-6816	109	5	conventional	conventional	ADJ
ejif-6816	109	6	credit	credit	NOUN
ejif-6816	109	7	card	card	NOUN
ejif-6816	109	8	issuer	issuer	NOUN
ejif-6816	109	9	and	and	CCONJ
ejif-6816	109	10	the	the	DET
ejif-6816	109	11	cardholder	cardholder	NOUN
ejif-6816	109	12	is	be	AUX
ejif-6816	109	13	based	base	VERB
ejif-6816	109	14	on	on	ADP
ejif-6816	109	15	riba	riba	PROPN
ejif-6816	109	16	if	if	SCONJ
ejif-6816	109	17	there	there	PRON
ejif-6816	109	18	is	be	VERB
ejif-6816	109	19	a	a	DET
ejif-6816	109	20	delay	delay	NOUN
ejif-6816	109	21	in	in	ADP
ejif-6816	109	22	repayment	repayment	NOUN
ejif-6816	109	23	beyond	beyond	ADP
ejif-6816	109	24	the	the	DET
ejif-6816	109	25	grace	grace	NOUN
ejif-6816	109	26	period	period	NOUN
ejif-6816	109	27	.	.	PUNCT
ejif-6816	110	1	the	the	DET
ejif-6816	110	2	oic	oic	PROPN
ejif-6816	110	3	fiqh	fiqh	PROPN
ejif-6816	110	4	academy	academy	PROPN
ejif-6816	110	5	,	,	PUNCT
ejif-6816	110	6	in	in	ADP
ejif-6816	110	7	its	its	PRON
ejif-6816	110	8	resolution	resolution	NOUN
ejif-6816	110	9	no	no	NOUN
ejif-6816	110	10	.	.	PROPN
ejif-6816	110	11	63	63	NUM
ejif-6816	110	12	(	(	PUNCT
ejif-6816	110	13	1/7	1/7	NUM
ejif-6816	110	14	)	)	PUNCT
ejif-6816	110	15	defines	define	VERB
ejif-6816	110	16	the	the	DET
ejif-6816	110	17	credit	credit	NOUN
ejif-6816	110	18	card	card	NOUN
ejif-6816	110	19	as	as	ADP
ejif-6816	110	20	“	"	PUNCT
ejif-6816	110	21	a	a	DET
ejif-6816	110	22	document	document	NOUN
ejif-6816	110	23	given	give	VERB
ejif-6816	110	24	by	by	ADP
ejif-6816	110	25	its	its	PRON
ejif-6816	110	26	issuer	issuer	NOUN
ejif-6816	110	27	to	to	ADP
ejif-6816	110	28	a	a	DET
ejif-6816	110	29	mutual	mutual	ADJ
ejif-6816	110	30	or	or	CCONJ
ejif-6816	110	31	a	a	DET
ejif-6816	110	32	juridical	juridical	ADJ
ejif-6816	110	33	person	person	NOUN
ejif-6816	110	34	based	base	VERB
ejif-6816	110	35	on	on	ADP
ejif-6816	110	36	a	a	DET
ejif-6816	110	37	contract	contract	NOUN
ejif-6816	110	38	between	between	ADP
ejif-6816	110	39	them	they	PRON
ejif-6816	110	40	enabling	enable	VERB
ejif-6816	110	41	it	it	PRON
ejif-6816	110	42	to	to	PART
ejif-6816	110	43	buy	buy	VERB
ejif-6816	110	44	goods	good	NOUN
ejif-6816	110	45	or	or	CCONJ
ejif-6816	110	46	services	service	NOUN
ejif-6816	110	47	from	from	ADP
ejif-6816	110	48	a	a	DET
ejif-6816	110	49	vendor	vendor	NOUN
ejif-6816	110	50	who	who	PRON
ejif-6816	110	51	approves	approve	VERB
ejif-6816	110	52	the	the	DET
ejif-6816	110	53	document	document	NOUN
ejif-6816	110	54	,	,	PUNCT
ejif-6816	110	55	without	without	ADP
ejif-6816	110	56	paying	pay	VERB
ejif-6816	110	57	the	the	DET
ejif-6816	110	58	price	price	NOUN
ejif-6816	110	59	immediately	immediately	ADV
ejif-6816	110	60	as	as	SCONJ
ejif-6816	110	61	the	the	DET
ejif-6816	110	62	document	document	NOUN
ejif-6816	110	63	includes	include	VERB
ejif-6816	110	64	the	the	DET
ejif-6816	110	65	issuer	issuer	NOUN
ejif-6816	110	66	's	's	PART
ejif-6816	110	67	commitment	commitment	NOUN
ejif-6816	110	68	to	to	PART
ejif-6816	110	69	pay	pay	VERB
ejif-6816	110	70	.	.	PUNCT
ejif-6816	110	71	”	"	PUNCT
ejif-6816	111	1	financial	financial	ADJ
ejif-6816	111	2	institutions	institution	NOUN
ejif-6816	111	3	have	have	AUX
ejif-6816	111	4	devised	devise	VERB
ejif-6816	111	5	different	different	ADJ
ejif-6816	111	6	structures	structure	NOUN
ejif-6816	111	7	of	of	ADP
ejif-6816	111	8	credit	credit	NOUN
ejif-6816	111	9	cards	card	NOUN
ejif-6816	111	10	,	,	PUNCT
ejif-6816	111	11	to	to	PART
ejif-6816	111	12	correct	correct	VERB
ejif-6816	111	13	the	the	DET
ejif-6816	111	14	riba	riba	NOUN
ejif-6816	111	15	-	-	PUNCT
ejif-6816	111	16	based	base	VERB
ejif-6816	111	17	relationship	relationship	NOUN
ejif-6816	111	18	between	between	ADP
ejif-6816	111	19	the	the	DET
ejif-6816	111	20	issuer	issuer	NOUN
ejif-6816	111	21	and	and	CCONJ
ejif-6816	111	22	the	the	DET
ejif-6816	111	23	cardholder	cardholder	NOUN
ejif-6816	111	24	.	.	PUNCT
ejif-6816	112	1	among	among	ADP
ejif-6816	112	2	these	these	DET
ejif-6816	112	3	structures	structure	NOUN
ejif-6816	112	4	,	,	PUNCT
ejif-6816	112	5	the	the	DET
ejif-6816	112	6	paper	paper	NOUN
ejif-6816	112	7	will	will	AUX
ejif-6816	112	8	discuss	discuss	VERB
ejif-6816	112	9	the	the	DET
ejif-6816	112	10	most	most	ADV
ejif-6816	112	11	popular	popular	ADJ
ejif-6816	112	12	ones	one	NOUN
ejif-6816	112	13	;	;	PUNCT
ejif-6816	112	14	credit	credit	NOUN
ejif-6816	112	15	cards	card	NOUN
ejif-6816	112	16	based	base	VERB
ejif-6816	112	17	on	on	ADP
ejif-6816	112	18	‘	'	PUNCT
ejif-6816	112	19	īna	īna	X
ejif-6816	112	20	or	or	CCONJ
ejif-6816	112	21	tawarruq	tawarruq	NOUN
ejif-6816	112	22	,	,	PUNCT
ejif-6816	112	23	and	and	CCONJ
ejif-6816	112	24	service	service	NOUN
ejif-6816	112	25	ijārah	ijārah	PROPN
ejif-6816	112	26	.	.	PUNCT
ejif-6816	113	1	a.	a.	PROPN
ejif-6816	113	2	firstly	firstly	ADV
ejif-6816	113	3	,	,	PUNCT
ejif-6816	113	4	credit	credit	NOUN
ejif-6816	113	5	cards	card	NOUN
ejif-6816	113	6	based	base	VERB
ejif-6816	113	7	on	on	ADP
ejif-6816	113	8	bay	bay	PROPN
ejif-6816	113	9	al-‘īna	al-‘īna	NOUN
ejif-6816	113	10	or	or	CCONJ
ejif-6816	113	11	tawarruq	tawarruq	NOUN
ejif-6816	113	12	tawarruq	tawarruq	NOUN
ejif-6816	113	13	refers	refer	VERB
ejif-6816	113	14	to	to	ADP
ejif-6816	113	15	buying	buy	VERB
ejif-6816	113	16	a	a	DET
ejif-6816	113	17	commodity	commodity	NOUN
ejif-6816	113	18	from	from	ADP
ejif-6816	113	19	one	one	NUM
ejif-6816	113	20	party	party	NOUN
ejif-6816	113	21	on	on	ADP
ejif-6816	113	22	credit	credit	NOUN
ejif-6816	113	23	and	and	CCONJ
ejif-6816	113	24	selling	sell	VERB
ejif-6816	113	25	it	it	PRON
ejif-6816	113	26	to	to	ADP
ejif-6816	113	27	a	a	DET
ejif-6816	113	28	different	different	ADJ
ejif-6816	113	29	party	party	NOUN
ejif-6816	113	30	for	for	ADP
ejif-6816	113	31	cash	cash	NOUN
ejif-6816	113	32	to	to	PART
ejif-6816	113	33	obtain	obtain	VERB
ejif-6816	113	34	cash	cash	NOUN
ejif-6816	113	35	.	.	PUNCT
ejif-6816	114	1	‘	'	PUNCT
ejif-6816	114	2	īna	īna	X
ejif-6816	114	3	is	be	AUX
ejif-6816	114	4	a	a	DET
ejif-6816	114	5	sale	sale	NOUN
ejif-6816	114	6	that	that	PRON
ejif-6816	114	7	is	be	AUX
ejif-6816	114	8	mostly	mostly	ADV
ejif-6816	114	9	resorted	resort	VERB
ejif-6816	114	10	to	to	PART
ejif-6816	114	11	to	to	PART
ejif-6816	114	12	circumvent	circumvent	VERB
ejif-6816	114	13	the	the	DET
ejif-6816	114	14	prohibition	prohibition	NOUN
ejif-6816	114	15	of	of	ADP
ejif-6816	114	16	riba	riba	NOUN
ejif-6816	114	17	by	by	ADP
ejif-6816	114	18	selling	sell	VERB
ejif-6816	114	19	a	a	DET
ejif-6816	114	20	commodity	commodity	NOUN
ejif-6816	114	21	to	to	ADP
ejif-6816	114	22	the	the	DET
ejif-6816	114	23	person	person	NOUN
ejif-6816	114	24	seeking	seek	VERB
ejif-6816	114	25	financing	financing	NOUN
ejif-6816	114	26	at	at	ADP
ejif-6816	114	27	a	a	DET
ejif-6816	114	28	deferred	deferred	ADJ
ejif-6816	114	29	price	price	NOUN
ejif-6816	114	30	then	then	ADV
ejif-6816	114	31	instantly	instantly	ADV
ejif-6816	114	32	buying	buy	VERB
ejif-6816	114	33	it	it	PRON
ejif-6816	114	34	back	back	ADV
ejif-6816	114	35	at	at	ADP
ejif-6816	114	36	a	a	DET
ejif-6816	114	37	lesser	less	ADJ
ejif-6816	114	38	spot	spot	NOUN
ejif-6816	114	39	price	price	NOUN
ejif-6816	114	40	.	.	PUNCT
ejif-6816	115	1	thus	thus	ADV
ejif-6816	115	2	,	,	PUNCT
ejif-6816	115	3	tawarruq	tawarruq	VERB
ejif-6816	115	4	shares	share	VERB
ejif-6816	115	5	the	the	DET
ejif-6816	115	6	same	same	ADJ
ejif-6816	115	7	objective	objective	NOUN
ejif-6816	115	8	of	of	ADP
ejif-6816	115	9	bay	bay	NOUN
ejif-6816	115	10	al-‘īna	al-‘īna	NOUN
ejif-6816	115	11	as	as	SCONJ
ejif-6816	115	12	both	both	PRON
ejif-6816	115	13	are	be	AUX
ejif-6816	115	14	meant	mean	VERB
ejif-6816	115	15	for	for	ADP
ejif-6816	115	16	extending	extend	VERB
ejif-6816	115	17	cash	cash	NOUN
ejif-6816	115	18	money	money	NOUN
ejif-6816	115	19	.	.	PUNCT
ejif-6816	116	1	however	however	ADV
ejif-6816	116	2	,	,	PUNCT
ejif-6816	116	3	tawarruq	tawarruq	NOUN
ejif-6816	116	4	remains	remains	AUX
ejif-6816	116	5	technically	technically	ADV
ejif-6816	116	6	distinguished	distinguished	ADJ
ejif-6816	116	7	from	from	ADP
ejif-6816	116	8	bay	bay	NOUN
ejif-6816	116	9	al-‘īna	al-‘īna	NOUN
ejif-6816	116	10	as	as	ADP
ejif-6816	116	11	in	in	ADP
ejif-6816	116	12	the	the	DET
ejif-6816	116	13	latter	latter	ADJ
ejif-6816	116	14	,	,	PUNCT
ejif-6816	116	15	the	the	DET
ejif-6816	116	16	commodity	commodity	NOUN
ejif-6816	116	17	is	be	AUX
ejif-6816	116	18	resold	resold	VERB
ejif-6816	116	19	to	to	ADP
ejif-6816	116	20	its	its	PRON
ejif-6816	116	21	original	original	ADJ
ejif-6816	116	22	seller	seller	NOUN
ejif-6816	116	23	,	,	PUNCT
ejif-6816	116	24	while	while	SCONJ
ejif-6816	116	25	in	in	ADP
ejif-6816	116	26	tawarruq	tawarruq	NOUN
ejif-6816	116	27	it	it	PRON
ejif-6816	116	28	is	be	AUX
ejif-6816	116	29	sold	sell	VERB
ejif-6816	116	30	to	to	ADP
ejif-6816	116	31	a	a	DET
ejif-6816	116	32	third	third	ADJ
ejif-6816	116	33	party	party	NOUN
ejif-6816	116	34	.	.	PUNCT
ejif-6816	117	1	european	european	PROPN
ejif-6816	117	2	journal	journal	PROPN
ejif-6816	117	3	of	of	ADP
ejif-6816	117	4	islamic	islamic	PROPN
ejif-6816	117	5	finance	finance	PROPN
ejif-6816	117	6	issn	issn	PROPN
ejif-6816	117	7	:	:	PUNCT
ejif-6816	117	8	2421	2421	NUM
ejif-6816	117	9	-	-	SYM
ejif-6816	117	10	2172	2172	NUM
ejif-6816	117	11	doi	doi	NOUN
ejif-6816	117	12	:	:	PUNCT
ejif-6816	117	13	10.13135/2421	10.13135/2421	NUM
ejif-6816	117	14	-	-	SYM
ejif-6816	117	15	2172/6816	2172/6816	NUM
ejif-6816	117	16	published	publish	VERB
ejif-6816	117	17	by	by	ADP
ejif-6816	117	18	the	the	DET
ejif-6816	117	19	university	university	PROPN
ejif-6816	117	20	of	of	ADP
ejif-6816	117	21	turin	turin	PROPN
ejif-6816	118	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	118	2	ejif	ejif	PROPN
ejif-6816	118	3	content	content	NOUN
ejif-6816	118	4	is	be	AUX
ejif-6816	118	5	licensed	license	VERB
ejif-6816	118	6	under	under	ADP
ejif-6816	118	7	a	a	DET
ejif-6816	118	8	creative	creative	ADJ
ejif-6816	118	9	commons	common	NOUN
ejif-6816	118	10	attribution	attribution	NOUN
ejif-6816	118	11	4.0	4.0	NUM
ejif-6816	118	12	international	international	ADJ
ejif-6816	118	13	license	license	NOUN
ejif-6816	118	14	received	receive	VERB
ejif-6816	118	15	:	:	PUNCT
ejif-6816	118	16	08/06/2022	08/06/2022	NOUN
ejif-6816	118	17	accepted	accept	VERB
ejif-6816	118	18	for	for	ADP
ejif-6816	118	19	publication	publication	NOUN
ejif-6816	118	20	:	:	PUNCT
ejif-6816	118	21	18/11/2022	18/11/2022	NUM
ejif-6816	118	22	published	publish	VERB
ejif-6816	118	23	:	:	PUNCT
ejif-6816	118	24	29/12/2022	29/12/2022	NUM
ejif-6816	118	25	17	17	NUM
ejif-6816	118	26	given	give	VERB
ejif-6816	118	27	that	that	SCONJ
ejif-6816	118	28	credit	credit	NOUN
ejif-6816	118	29	cards	card	NOUN
ejif-6816	118	30	are	be	AUX
ejif-6816	118	31	used	use	VERB
ejif-6816	118	32	for	for	ADP
ejif-6816	118	33	financing	finance	VERB
ejif-6816	118	34	the	the	DET
ejif-6816	118	35	bank	bank	NOUN
ejif-6816	118	36	provides	provide	VERB
ejif-6816	118	37	financing	financing	NOUN
ejif-6816	118	38	for	for	ADP
ejif-6816	118	39	the	the	DET
ejif-6816	118	40	cardholders	cardholder	NOUN
ejif-6816	118	41	and	and	CCONJ
ejif-6816	118	42	gains	gain	VERB
ejif-6816	118	43	its	its	PRON
ejif-6816	118	44	profits	profit	NOUN
ejif-6816	118	45	from	from	ADP
ejif-6816	118	46	that	that	DET
ejif-6816	118	47	financing	financing	NOUN
ejif-6816	118	48	and	and	CCONJ
ejif-6816	118	49	given	give	VERB
ejif-6816	118	50	that	that	DET
ejif-6816	118	51	riba	riba	PROPN
ejif-6816	118	52	is	be	AUX
ejif-6816	118	53	regarded	regard	VERB
ejif-6816	118	54	impermissible	impermissible	ADJ
ejif-6816	118	55	,	,	PUNCT
ejif-6816	118	56	some	some	DET
ejif-6816	118	57	islamic	islamic	ADJ
ejif-6816	118	58	banks	bank	NOUN
ejif-6816	118	59	structure	structure	VERB
ejif-6816	118	60	their	their	PRON
ejif-6816	118	61	cards	card	NOUN
ejif-6816	118	62	in	in	ADP
ejif-6816	118	63	the	the	DET
ejif-6816	118	64	following	follow	VERB
ejif-6816	118	65	formulas	formula	NOUN
ejif-6816	118	66	as	as	SCONJ
ejif-6816	118	67	they	they	PRON
ejif-6816	118	68	do	do	AUX
ejif-6816	118	69	not	not	PART
ejif-6816	118	70	regard	regard	VERB
ejif-6816	118	71	practising	practise	VERB
ejif-6816	118	72	tawarruq	tawarruq	NOUN
ejif-6816	118	73	and	and	CCONJ
ejif-6816	118	74	bay	bay	NOUN
ejif-6816	118	75	al-‘īna	al-‘īna	NOUN
ejif-6816	118	76	as	as	ADP
ejif-6816	118	77	problematic	problematic	ADJ
ejif-6816	118	78	.	.	PUNCT
ejif-6816	119	1	the	the	DET
ejif-6816	119	2	islamic	islamic	PROPN
ejif-6816	119	3	bank	bank	PROPN
ejif-6816	119	4	initiates	initiate	VERB
ejif-6816	119	5	a	a	DET
ejif-6816	119	6	tawarruq	tawarruq	NOUN
ejif-6816	119	7	or	or	CCONJ
ejif-6816	119	8	‘	'	PUNCT
ejif-6816	119	9	īna	īna	NOUN
ejif-6816	119	10	sale	sale	NOUN
ejif-6816	119	11	with	with	ADP
ejif-6816	119	12	the	the	DET
ejif-6816	119	13	customer	customer	NOUN
ejif-6816	119	14	.	.	PUNCT
ejif-6816	120	1	then	then	ADV
ejif-6816	120	2	it	it	PRON
ejif-6816	120	3	creates	create	VERB
ejif-6816	120	4	a	a	DET
ejif-6816	120	5	special	special	ADJ
ejif-6816	120	6	account	account	NOUN
ejif-6816	120	7	,	,	PUNCT
ejif-6816	120	8	i.e.	i.e.	X
ejif-6816	120	9	,	,	PUNCT
ejif-6816	120	10	the	the	DET
ejif-6816	120	11	customer	customer	NOUN
ejif-6816	120	12	's	's	PART
ejif-6816	120	13	credit	credit	NOUN
ejif-6816	120	14	card	card	NOUN
ejif-6816	120	15	account	account	NOUN
ejif-6816	120	16	,	,	PUNCT
ejif-6816	120	17	and	and	CCONJ
ejif-6816	120	18	places	place	VERB
ejif-6816	120	19	the	the	DET
ejif-6816	120	20	financing	financing	NOUN
ejif-6816	120	21	amount	amount	NOUN
ejif-6816	120	22	in	in	ADP
ejif-6816	120	23	it	it	PRON
ejif-6816	120	24	.	.	PUNCT
ejif-6816	121	1	the	the	DET
ejif-6816	121	2	customer	customer	NOUN
ejif-6816	121	3	is	be	AUX
ejif-6816	121	4	then	then	ADV
ejif-6816	121	5	given	give	VERB
ejif-6816	121	6	a	a	DET
ejif-6816	121	7	credit	credit	NOUN
ejif-6816	121	8	card	card	NOUN
ejif-6816	121	9	with	with	ADP
ejif-6816	121	10	a	a	DET
ejif-6816	121	11	credit	credit	NOUN
ejif-6816	121	12	limit	limit	NOUN
ejif-6816	121	13	equal	equal	ADJ
ejif-6816	121	14	to	to	ADP
ejif-6816	121	15	the	the	DET
ejif-6816	121	16	amount	amount	NOUN
ejif-6816	121	17	of	of	ADP
ejif-6816	121	18	financing	financing	NOUN
ejif-6816	121	19	stored	store	VERB
ejif-6816	121	20	in	in	ADP
ejif-6816	121	21	that	that	DET
ejif-6816	121	22	account	account	NOUN
ejif-6816	121	23	.	.	PUNCT
ejif-6816	122	1	thus	thus	ADV
ejif-6816	122	2	,	,	PUNCT
ejif-6816	122	3	the	the	DET
ejif-6816	122	4	cardholder	cardholder	NOUN
ejif-6816	122	5	is	be	AUX
ejif-6816	122	6	using	use	VERB
ejif-6816	122	7	the	the	DET
ejif-6816	122	8	card	card	NOUN
ejif-6816	122	9	to	to	PART
ejif-6816	122	10	pay	pay	VERB
ejif-6816	122	11	from	from	ADP
ejif-6816	122	12	the	the	DET
ejif-6816	122	13	money	money	NOUN
ejif-6816	122	14	he	he	PRON
ejif-6816	122	15	got	get	VERB
ejif-6816	122	16	from	from	ADP
ejif-6816	122	17	the	the	DET
ejif-6816	122	18	‘	'	PUNCT
ejif-6816	122	19	īna	īna	ADJ
ejif-6816	122	20	or	or	CCONJ
ejif-6816	122	21	tawarruq	tawarruq	NOUN
ejif-6816	122	22	procedure	procedure	NOUN
ejif-6816	122	23	and	and	CCONJ
ejif-6816	122	24	has	have	AUX
ejif-6816	122	25	not	not	PART
ejif-6816	122	26	borrowed	borrow	VERB
ejif-6816	122	27	anything	anything	PRON
ejif-6816	122	28	from	from	ADP
ejif-6816	122	29	the	the	DET
ejif-6816	122	30	card	card	NOUN
ejif-6816	122	31	issuer	issuer	NOUN
ejif-6816	122	32	,	,	PUNCT
ejif-6816	122	33	i.e.	i.e.	X
ejif-6816	122	34	,	,	PUNCT
ejif-6816	122	35	the	the	DET
ejif-6816	122	36	bank	bank	NOUN
ejif-6816	122	37	.	.	PUNCT
ejif-6816	123	1	once	once	ADV
ejif-6816	123	2	the	the	DET
ejif-6816	123	3	monthly	monthly	ADJ
ejif-6816	123	4	bill	bill	NOUN
ejif-6816	123	5	is	be	AUX
ejif-6816	123	6	issued	issue	VERB
ejif-6816	123	7	,	,	PUNCT
ejif-6816	123	8	the	the	DET
ejif-6816	123	9	cardholder	cardholder	NOUN
ejif-6816	123	10	should	should	AUX
ejif-6816	123	11	top	top	VERB
ejif-6816	123	12	up	up	ADP
ejif-6816	123	13	that	that	DET
ejif-6816	123	14	account	account	NOUN
ejif-6816	123	15	,	,	PUNCT
ejif-6816	123	16	within	within	ADP
ejif-6816	123	17	a	a	DET
ejif-6816	123	18	specified	specified	ADJ
ejif-6816	123	19	period	period	NOUN
ejif-6816	123	20	(	(	PUNCT
ejif-6816	123	21	like	like	ADP
ejif-6816	123	22	the	the	DET
ejif-6816	123	23	grace	grace	NOUN
ejif-6816	123	24	period	period	NOUN
ejif-6816	123	25	in	in	ADP
ejif-6816	123	26	a	a	DET
ejif-6816	123	27	conventional	conventional	ADJ
ejif-6816	123	28	card	card	NOUN
ejif-6816	123	29	)	)	PUNCT
ejif-6816	123	30	,	,	PUNCT
ejif-6816	123	31	with	with	SCONJ
ejif-6816	123	32	the	the	DET
ejif-6816	123	33	same	same	ADJ
ejif-6816	123	34	amount	amount	NOUN
ejif-6816	123	35	spent	spend	VERB
ejif-6816	123	36	on	on	ADP
ejif-6816	123	37	the	the	DET
ejif-6816	123	38	bill	bill	NOUN
ejif-6816	123	39	,	,	PUNCT
ejif-6816	123	40	to	to	PART
ejif-6816	123	41	renew	renew	VERB
ejif-6816	123	42	the	the	DET
ejif-6816	123	43	balance	balance	NOUN
ejif-6816	123	44	of	of	ADP
ejif-6816	123	45	his	his	PRON
ejif-6816	123	46	credit	credit	NOUN
ejif-6816	123	47	card	card	NOUN
ejif-6816	123	48	.	.	PUNCT
ejif-6816	124	1	if	if	SCONJ
ejif-6816	124	2	the	the	DET
ejif-6816	124	3	customer	customer	NOUN
ejif-6816	124	4	is	be	AUX
ejif-6816	124	5	late	late	ADJ
ejif-6816	124	6	in	in	ADP
ejif-6816	124	7	repayments	repayment	NOUN
ejif-6816	124	8	,	,	PUNCT
ejif-6816	124	9	the	the	DET
ejif-6816	124	10	bank	bank	NOUN
ejif-6816	124	11	gains	gain	VERB
ejif-6816	124	12	profit	profit	NOUN
ejif-6816	124	13	(	(	PUNCT
ejif-6816	124	14	not	not	PART
ejif-6816	124	15	riba	riba	PROPN
ejif-6816	124	16	)	)	PUNCT
ejif-6816	124	17	from	from	ADP
ejif-6816	124	18	the	the	DET
ejif-6816	124	19	difference	difference	NOUN
ejif-6816	124	20	between	between	ADP
ejif-6816	124	21	the	the	DET
ejif-6816	124	22	prices	price	NOUN
ejif-6816	124	23	in	in	ADP
ejif-6816	124	24	the	the	DET
ejif-6816	124	25	preceding	precede	VERB
ejif-6816	124	26	‘	'	PUNCT
ejif-6816	124	27	īna	īna	ADJ
ejif-6816	124	28	or	or	CCONJ
ejif-6816	124	29	tawarruq	tawarruq	VERB
ejif-6816	124	30	sale	sale	NOUN
ejif-6816	124	31	.	.	PUNCT
ejif-6816	125	1	for	for	ADP
ejif-6816	125	2	example	example	NOUN
ejif-6816	125	3	,	,	PUNCT
ejif-6816	125	4	if	if	SCONJ
ejif-6816	125	5	the	the	DET
ejif-6816	125	6	bank	bank	NOUN
ejif-6816	125	7	sells	sell	VERB
ejif-6816	125	8	a	a	DET
ejif-6816	125	9	commodity	commodity	NOUN
ejif-6816	125	10	based	base	VERB
ejif-6816	125	11	on	on	ADP
ejif-6816	125	12	‘	'	PUNCT
ejif-6816	125	13	īna	īna	X
ejif-6816	125	14	to	to	ADP
ejif-6816	125	15	a	a	DET
ejif-6816	125	16	customer	customer	NOUN
ejif-6816	125	17	for	for	ADP
ejif-6816	125	18	15000	15000	NUM
ejif-6816	125	19	on	on	ADP
ejif-6816	125	20	a	a	DET
ejif-6816	125	21	deferred	deferred	ADJ
ejif-6816	125	22	basis	basis	NOUN
ejif-6816	125	23	,	,	PUNCT
ejif-6816	125	24	and	and	CCONJ
ejif-6816	125	25	then	then	ADV
ejif-6816	125	26	buys	buy	VERB
ejif-6816	125	27	it	it	PRON
ejif-6816	125	28	from	from	ADP
ejif-6816	125	29	him	he	PRON
ejif-6816	125	30	for	for	ADP
ejif-6816	125	31	12000	12000	NUM
ejif-6816	125	32	on	on	ADP
ejif-6816	125	33	the	the	DET
ejif-6816	125	34	spot	spot	NOUN
ejif-6816	125	35	,	,	PUNCT
ejif-6816	125	36	then	then	ADV
ejif-6816	125	37	the	the	DET
ejif-6816	125	38	12000	12000	NUM
ejif-6816	125	39	is	be	AUX
ejif-6816	125	40	set	set	VERB
ejif-6816	125	41	as	as	ADP
ejif-6816	125	42	the	the	DET
ejif-6816	125	43	credit	credit	NOUN
ejif-6816	125	44	limit	limit	NOUN
ejif-6816	125	45	and	and	CCONJ
ejif-6816	125	46	is	be	AUX
ejif-6816	125	47	placed	place	VERB
ejif-6816	125	48	in	in	ADP
ejif-6816	125	49	the	the	DET
ejif-6816	125	50	card	card	NOUN
ejif-6816	125	51	’s	’s	PART
ejif-6816	125	52	account	account	NOUN
ejif-6816	125	53	and	and	CCONJ
ejif-6816	125	54	not	not	PART
ejif-6816	125	55	given	give	VERB
ejif-6816	125	56	to	to	ADP
ejif-6816	125	57	the	the	DET
ejif-6816	125	58	client	client	NOUN
ejif-6816	125	59	.	.	PUNCT
ejif-6816	126	1	if	if	SCONJ
ejif-6816	126	2	the	the	DET
ejif-6816	126	3	customer	customer	NOUN
ejif-6816	126	4	delays	delay	VERB
ejif-6816	126	5	topping	top	VERB
ejif-6816	126	6	up	up	ADP
ejif-6816	126	7	the	the	DET
ejif-6816	126	8	account	account	NOUN
ejif-6816	126	9	beyond	beyond	ADP
ejif-6816	126	10	the	the	DET
ejif-6816	126	11	grace	grace	NOUN
ejif-6816	126	12	period	period	NOUN
ejif-6816	126	13	,	,	PUNCT
ejif-6816	126	14	the	the	DET
ejif-6816	126	15	bank	bank	NOUN
ejif-6816	126	16	charges	charge	VERB
ejif-6816	126	17	the	the	DET
ejif-6816	126	18	client	client	NOUN
ejif-6816	126	19	for	for	ADP
ejif-6816	126	20	this	this	DET
ejif-6816	126	21	delay	delay	NOUN
ejif-6816	126	22	with	with	ADP
ejif-6816	126	23	a	a	DET
ejif-6816	126	24	set	set	VERB
ejif-6816	126	25	amount	amount	NOUN
ejif-6816	126	26	through	through	ADP
ejif-6816	126	27	the	the	DET
ejif-6816	126	28	difference	difference	NOUN
ejif-6816	126	29	between	between	ADP
ejif-6816	126	30	the	the	DET
ejif-6816	126	31	two	two	NUM
ejif-6816	126	32	prices	price	NOUN
ejif-6816	126	33	,	,	PUNCT
ejif-6816	126	34	i.e.	i.e.	X
ejif-6816	126	35	,	,	PUNCT
ejif-6816	126	36	3000	3000	NUM
ejif-6816	126	37	.	.	PUNCT
ejif-6816	127	1	if	if	SCONJ
ejif-6816	127	2	the	the	DET
ejif-6816	127	3	client	client	NOUN
ejif-6816	127	4	frequently	frequently	ADV
ejif-6816	127	5	delays	delay	VERB
ejif-6816	127	6	repayment	repayment	NOUN
ejif-6816	127	7	until	until	SCONJ
ejif-6816	127	8	the	the	DET
ejif-6816	127	9	amount	amount	NOUN
ejif-6816	127	10	charged	charge	VERB
ejif-6816	127	11	to	to	ADP
ejif-6816	127	12	the	the	DET
ejif-6816	127	13	customer	customer	NOUN
ejif-6816	127	14	has	have	AUX
ejif-6816	127	15	reached	reach	VERB
ejif-6816	127	16	3000	3000	NUM
ejif-6816	127	17	,	,	PUNCT
ejif-6816	127	18	the	the	DET
ejif-6816	127	19	bank	bank	NOUN
ejif-6816	127	20	requests	request	VERB
ejif-6816	127	21	him	he	PRON
ejif-6816	127	22	to	to	PART
ejif-6816	127	23	sign	sign	VERB
ejif-6816	127	24	another	another	DET
ejif-6816	127	25	‘	'	PUNCT
ejif-6816	127	26	īna	īna	X
ejif-6816	127	27	or	or	CCONJ
ejif-6816	127	28	tawarruq	tawarruq	VERB
ejif-6816	127	29	contract	contract	NOUN
ejif-6816	127	30	.	.	PUNCT
ejif-6816	128	1	this	this	PRON
ejif-6816	128	2	means	mean	VERB
ejif-6816	128	3	that	that	SCONJ
ejif-6816	128	4	the	the	DET
ejif-6816	128	5	‘	'	PUNCT
ejif-6816	128	6	īna	īna	NOUN
ejif-6816	128	7	or	or	CCONJ
ejif-6816	128	8	tawarruq	tawarruq	VERB
ejif-6816	128	9	contract	contract	NOUN
ejif-6816	128	10	does	do	AUX
ejif-6816	128	11	not	not	PART
ejif-6816	128	12	come	come	VERB
ejif-6816	128	13	into	into	ADP
ejif-6816	128	14	effect	effect	NOUN
ejif-6816	128	15	if	if	SCONJ
ejif-6816	128	16	the	the	DET
ejif-6816	128	17	client	client	NOUN
ejif-6816	128	18	repays	repay	VERB
ejif-6816	128	19	during	during	ADP
ejif-6816	128	20	the	the	DET
ejif-6816	128	21	grace	grace	NOUN
ejif-6816	128	22	period	period	NOUN
ejif-6816	128	23	or	or	CCONJ
ejif-6816	128	24	returns	return	VERB
ejif-6816	128	25	the	the	DET
ejif-6816	128	26	card	card	NOUN
ejif-6816	128	27	without	without	ADP
ejif-6816	128	28	falling	fall	VERB
ejif-6816	128	29	behind	behind	ADV
ejif-6816	128	30	on	on	ADP
ejif-6816	128	31	his	his	PRON
ejif-6816	128	32	repayments	repayment	NOUN
ejif-6816	128	33	.	.	PUNCT
ejif-6816	129	1	in	in	ADP
ejif-6816	129	2	the	the	DET
ejif-6816	129	3	latter	latter	ADJ
ejif-6816	129	4	case	case	NOUN
ejif-6816	129	5	,	,	PUNCT
ejif-6816	129	6	the	the	DET
ejif-6816	129	7	bank	bank	NOUN
ejif-6816	129	8	performs	perform	VERB
ejif-6816	129	9	a	a	DET
ejif-6816	129	10	clearing	clearing	NOUN
ejif-6816	129	11	between	between	ADP
ejif-6816	129	12	the	the	DET
ejif-6816	129	13	two	two	NUM
ejif-6816	129	14	prices	price	NOUN
ejif-6816	129	15	in	in	ADP
ejif-6816	129	16	the	the	DET
ejif-6816	129	17	īna	īna	NOUN
ejif-6816	129	18	or	or	CCONJ
ejif-6816	129	19	tawarruq	tawarruq	NOUN
ejif-6816	129	20	;	;	PUNCT
ejif-6816	129	21	the	the	DET
ejif-6816	129	22	price	price	NOUN
ejif-6816	129	23	that	that	PRON
ejif-6816	129	24	it	it	PRON
ejif-6816	129	25	is	be	AUX
ejif-6816	129	26	due	due	ADJ
ejif-6816	129	27	to	to	ADP
ejif-6816	129	28	the	the	DET
ejif-6816	129	29	client	client	NOUN
ejif-6816	129	30	(	(	PUNCT
ejif-6816	129	31	12000	12000	NUM
ejif-6816	129	32	)	)	PUNCT
ejif-6816	129	33	and	and	CCONJ
ejif-6816	129	34	the	the	DET
ejif-6816	129	35	price	price	NOUN
ejif-6816	129	36	that	that	PRON
ejif-6816	129	37	is	be	AUX
ejif-6816	129	38	due	due	ADJ
ejif-6816	129	39	to	to	ADP
ejif-6816	129	40	the	the	DET
ejif-6816	129	41	bank	bank	NOUN
ejif-6816	129	42	(	(	PUNCT
ejif-6816	129	43	15000	15000	NUM
ejif-6816	129	44	)	)	PUNCT
ejif-6816	129	45	.	.	PUNCT
ejif-6816	130	1	the	the	DET
ejif-6816	130	2	difference	difference	NOUN
ejif-6816	130	3	between	between	ADP
ejif-6816	130	4	them	they	PRON
ejif-6816	130	5	,	,	PUNCT
ejif-6816	130	6	i.e.	i.e.	X
ejif-6816	130	7	,	,	PUNCT
ejif-6816	130	8	the	the	DET
ejif-6816	130	9	profit	profit	NOUN
ejif-6816	130	10	from	from	ADP
ejif-6816	130	11	‘	'	PUNCT
ejif-6816	130	12	īna	īna	PROPN
ejif-6816	130	13	or	or	CCONJ
ejif-6816	130	14	tawarruq	tawarruq	NOUN
ejif-6816	130	15	,	,	PUNCT
ejif-6816	130	16	due	due	ADP
ejif-6816	130	17	to	to	ADP
ejif-6816	130	18	the	the	DET
ejif-6816	130	19	bank	bank	NOUN
ejif-6816	130	20	,	,	PUNCT
ejif-6816	130	21	is	be	AUX
ejif-6816	130	22	waived	waive	VERB
ejif-6816	130	23	.	.	PUNCT
ejif-6816	131	1	in	in	ADP
ejif-6816	131	2	the	the	DET
ejif-6816	131	3	previous	previous	ADJ
ejif-6816	131	4	example	example	NOUN
ejif-6816	131	5	,	,	PUNCT
ejif-6816	131	6	the	the	DET
ejif-6816	131	7	bank	bank	NOUN
ejif-6816	131	8	exonerates	exonerate	VERB
ejif-6816	131	9	the	the	DET
ejif-6816	131	10	customer	customer	NOUN
ejif-6816	131	11	of	of	ADP
ejif-6816	131	12	the	the	DET
ejif-6816	131	13	difference	difference	NOUN
ejif-6816	131	14	of	of	ADP
ejif-6816	131	15	3000	3000	NUM
ejif-6816	131	16	.	.	PUNCT
ejif-6816	132	1	exoneration	exoneration	NOUN
ejif-6816	132	2	also	also	ADV
ejif-6816	132	3	occurs	occur	VERB
ejif-6816	132	4	if	if	SCONJ
ejif-6816	132	5	the	the	DET
ejif-6816	132	6	client	client	NOUN
ejif-6816	132	7	’s	’s	PART
ejif-6816	132	8	delay	delay	NOUN
ejif-6816	132	9	does	do	AUX
ejif-6816	132	10	not	not	PART
ejif-6816	132	11	reach	reach	VERB
ejif-6816	132	12	3000	3000	NUM
ejif-6816	132	13	,	,	PUNCT
ejif-6816	132	14	as	as	SCONJ
ejif-6816	132	15	the	the	DET
ejif-6816	132	16	bank	bank	NOUN
ejif-6816	132	17	exonerates	exonerate	VERB
ejif-6816	132	18	him	he	PRON
ejif-6816	132	19	or	or	CCONJ
ejif-6816	132	20	her	she	PRON
ejif-6816	132	21	of	of	ADP
ejif-6816	132	22	the	the	DET
ejif-6816	132	23	remaining	remain	VERB
ejif-6816	132	24	amount	amount	NOUN
ejif-6816	132	25	.	.	PUNCT
ejif-6816	133	1	shariah	shariah	PROPN
ejif-6816	133	2	appraisal	appraisal	NOUN
ejif-6816	133	3	of	of	ADP
ejif-6816	133	4	‘	'	PUNCT
ejif-6816	133	5	īna	īna	ADJ
ejif-6816	133	6	/	/	SYM
ejif-6816	133	7	tawarruq	tawarruq	NOUN
ejif-6816	133	8	-	-	PUNCT
ejif-6816	133	9	based	base	VERB
ejif-6816	133	10	credit	credit	NOUN
ejif-6816	133	11	cards	card	NOUN
ejif-6816	133	12	both	both	DET
ejif-6816	133	13	‘	'	PUNCT
ejif-6816	133	14	īna	īna	X
ejif-6816	133	15	and	and	CCONJ
ejif-6816	133	16	tawarruq	tawarruq	NOUN
ejif-6816	133	17	contracts	contract	NOUN
ejif-6816	133	18	are	be	AUX
ejif-6816	133	19	meant	mean	VERB
ejif-6816	133	20	to	to	PART
ejif-6816	133	21	justify	justify	VERB
ejif-6816	133	22	profiting	profit	VERB
ejif-6816	133	23	from	from	ADP
ejif-6816	133	24	cash	cash	NOUN
ejif-6816	133	25	financing	financing	NOUN
ejif-6816	133	26	,	,	PUNCT
ejif-6816	133	27	and	and	CCONJ
ejif-6816	133	28	as	as	ADP
ejif-6816	133	29	such	such	ADJ
ejif-6816	133	30	,	,	PUNCT
ejif-6816	133	31	they	they	PRON
ejif-6816	133	32	are	be	AUX
ejif-6816	133	33	impermissible	impermissible	ADJ
ejif-6816	133	34	.	.	PUNCT
ejif-6816	134	1	tawarruq	tawarruq	NOUN
ejif-6816	134	2	was	be	AUX
ejif-6816	134	3	ruled	rule	VERB
ejif-6816	134	4	unlawful	unlawful	ADJ
ejif-6816	134	5	by	by	ADP
ejif-6816	134	6	the	the	DET
ejif-6816	134	7	oic	oic	PROPN
ejif-6816	134	8	fiqh	fiqh	PROPN
ejif-6816	134	9	academy	academy	PROPN
ejif-6816	134	10	resolution	resolution	NOUN
ejif-6816	134	11	no	no	INTJ
ejif-6816	134	12	.	.	PUNCT
ejif-6816	135	1	19/5	19/5	NUM
ejif-6816	135	2	since	since	SCONJ
ejif-6816	135	3	it	it	PRON
ejif-6816	135	4	involves	involve	VERB
ejif-6816	135	5	a	a	DET
ejif-6816	135	6	contrivance	contrivance	NOUN
ejif-6816	135	7	to	to	AUX
ejif-6816	135	8	riba	riba	PROPN
ejif-6816	135	9	.	.	PUNCT
ejif-6816	136	1	‘	'	PUNCT
ejif-6816	136	2	īna	īna	NOUN
ejif-6816	136	3	is	be	AUX
ejif-6816	136	4	,	,	PUNCT
ejif-6816	136	5	moreover	moreover	ADV
ejif-6816	136	6	,	,	PUNCT
ejif-6816	136	7	impermissible	impermissible	ADJ
ejif-6816	136	8	according	accord	VERB
ejif-6816	136	9	to	to	ADP
ejif-6816	136	10	all	all	DET
ejif-6816	136	11	jurists	jurist	NOUN
ejif-6816	136	12	,	,	PUNCT
ejif-6816	136	13	including	include	VERB
ejif-6816	136	14	shafi’is	shafi’i	NOUN
ejif-6816	136	15	,	,	PUNCT
ejif-6816	136	16	who	who	PRON
ejif-6816	136	17	only	only	ADV
ejif-6816	136	18	validate	validate	VERB
ejif-6816	136	19	its	its	PRON
ejif-6816	136	20	contract	contract	NOUN
ejif-6816	136	21	based	base	VERB
ejif-6816	136	22	on	on	ADP
ejif-6816	136	23	it	it	PRON
ejif-6816	136	24	being	be	AUX
ejif-6816	136	25	a	a	DET
ejif-6816	136	26	contract	contract	NOUN
ejif-6816	136	27	that	that	PRON
ejif-6816	136	28	has	have	AUX
ejif-6816	136	29	fulfilled	fulfil	VERB
ejif-6816	136	30	the	the	DET
ejif-6816	136	31	contractual	contractual	ADJ
ejif-6816	136	32	conditions	condition	NOUN
ejif-6816	136	33	of	of	ADP
ejif-6816	136	34	a	a	DET
ejif-6816	136	35	sale	sale	NOUN
ejif-6816	136	36	contract	contract	NOUN
ejif-6816	136	37	.	.	PUNCT
ejif-6816	137	1	however	however	ADV
ejif-6816	137	2	,	,	PUNCT
ejif-6816	137	3	as	as	SCONJ
ejif-6816	137	4	noted	note	VERB
ejif-6816	137	5	by	by	ADP
ejif-6816	137	6	al	al	PROPN
ejif-6816	137	7	-	-	PUNCT
ejif-6816	137	8	kasani	kasani	PROPN
ejif-6816	137	9	[	[	X
ejif-6816	137	10	23	23	NUM
ejif-6816	137	11	]	]	PUNCT
ejif-6816	137	12	,	,	PUNCT
ejif-6816	137	13	ibn	ibn	PROPN
ejif-6816	137	14	qudamah	qudamah	NOUN
ejif-6816	137	15	[	[	X
ejif-6816	137	16	24	24	NUM
ejif-6816	137	17	]	]	PUNCT
ejif-6816	137	18	and	and	CCONJ
ejif-6816	137	19	al	al	PROPN
ejif-6816	137	20	-	-	PUNCT
ejif-6816	137	21	dasuqi	dasuqi	NOUN
ejif-6816	138	1	[	[	X
ejif-6816	138	2	25	25	NUM
ejif-6816	138	3	]	]	PUNCT
ejif-6816	138	4	,	,	PUNCT
ejif-6816	138	5	the	the	DET
ejif-6816	138	6	shafi’is	shafi’is	PRON
ejif-6816	138	7	regard	regard	VERB
ejif-6816	138	8	it	it	PRON
ejif-6816	138	9	impermissible	impermissible	ADJ
ejif-6816	138	10	when	when	SCONJ
ejif-6816	138	11	it	it	PRON
ejif-6816	138	12	is	be	AUX
ejif-6816	138	13	intended	intend	VERB
ejif-6816	138	14	to	to	PART
ejif-6816	138	15	justify	justify	VERB
ejif-6816	138	16	profiteering	profiteer	VERB
ejif-6816	138	17	from	from	ADP
ejif-6816	138	18	a	a	DET
ejif-6816	138	19	loan	loan	NOUN
ejif-6816	138	20	contract	contract	NOUN
ejif-6816	138	21	.	.	PUNCT
ejif-6816	139	1	hence	hence	ADV
ejif-6816	139	2	,	,	PUNCT
ejif-6816	139	3	structuring	structure	VERB
ejif-6816	139	4	credit	credit	NOUN
ejif-6816	139	5	cards	card	NOUN
ejif-6816	139	6	based	base	VERB
ejif-6816	139	7	on	on	ADP
ejif-6816	139	8	them	they	PRON
ejif-6816	139	9	is	be	AUX
ejif-6816	139	10	impermissible	impermissible	ADJ
ejif-6816	139	11	.	.	PUNCT
ejif-6816	140	1	nevertheless	nevertheless	ADV
ejif-6816	140	2	,	,	PUNCT
ejif-6816	140	3	some	some	DET
ejif-6816	140	4	irregular	irregular	ADJ
ejif-6816	140	5	fatwas	fatwas	NOUN
ejif-6816	140	6	appeared	appear	VERB
ejif-6816	140	7	recently	recently	ADV
ejif-6816	140	8	to	to	PART
ejif-6816	140	9	validate	validate	VERB
ejif-6816	140	10	these	these	DET
ejif-6816	140	11	two	two	NUM
ejif-6816	140	12	sales	sale	NOUN
ejif-6816	140	13	,	,	PUNCT
ejif-6816	140	14	designed	design	VERB
ejif-6816	140	15	to	to	PART
ejif-6816	140	16	circumvent	circumvent	VERB
ejif-6816	140	17	the	the	DET
ejif-6816	140	18	riba	riba	NOUN
ejif-6816	140	19	prohibition	prohibition	NOUN
ejif-6816	140	20	and	and	CCONJ
ejif-6816	140	21	yield	yield	VERB
ejif-6816	140	22	the	the	DET
ejif-6816	140	23	same	same	ADJ
ejif-6816	140	24	result	result	NOUN
ejif-6816	140	25	as	as	ADP
ejif-6816	140	26	a	a	DET
ejif-6816	140	27	conventional	conventional	ADJ
ejif-6816	140	28	loan	loan	NOUN
ejif-6816	140	29	.	.	PUNCT
ejif-6816	141	1	some	some	DET
ejif-6816	141	2	fiqh	fiqh	ADJ
ejif-6816	141	3	scholars	scholar	NOUN
ejif-6816	141	4	,	,	PUNCT
ejif-6816	141	5	such	such	ADJ
ejif-6816	141	6	as	as	ADP
ejif-6816	141	7	the	the	DET
ejif-6816	141	8	shafi’is	shafi’i	NOUN
ejif-6816	141	9	,	,	PUNCT
ejif-6816	141	10	rule	rule	NOUN
ejif-6816	141	11	‘	'	PUNCT
ejif-6816	141	12	īna	īna	NOUN
ejif-6816	141	13	as	as	ADP
ejif-6816	141	14	a	a	DET
ejif-6816	141	15	valid	valid	ADJ
ejif-6816	141	16	sale	sale	NOUN
ejif-6816	141	17	given	give	VERB
ejif-6816	141	18	its	its	PRON
ejif-6816	141	19	valid	valid	ADJ
ejif-6816	141	20	sale	sale	NOUN
ejif-6816	141	21	structure	structure	NOUN
ejif-6816	141	22	but	but	CCONJ
ejif-6816	141	23	ruling	rule	VERB
ejif-6816	141	24	it	it	PRON
ejif-6816	141	25	as	as	ADP
ejif-6816	141	26	valid	valid	ADJ
ejif-6816	141	27	does	do	AUX
ejif-6816	141	28	not	not	PART
ejif-6816	141	29	imply	imply	VERB
ejif-6816	141	30	that	that	SCONJ
ejif-6816	141	31	it	it	PRON
ejif-6816	141	32	is	be	AUX
ejif-6816	141	33	permissible	permissible	ADJ
ejif-6816	141	34	,	,	PUNCT
ejif-6816	141	35	since	since	SCONJ
ejif-6816	141	36	a	a	DET
ejif-6816	141	37	valid	valid	ADJ
ejif-6816	141	38	contract	contract	NOUN
ejif-6816	141	39	is	be	AUX
ejif-6816	141	40	not	not	PART
ejif-6816	141	41	necessarily	necessarily	ADV
ejif-6816	141	42	permissible	permissible	ADJ
ejif-6816	141	43	,	,	PUNCT
ejif-6816	141	44	as	as	SCONJ
ejif-6816	141	45	mentioned	mention	VERB
ejif-6816	141	46	by	by	ADP
ejif-6816	141	47	abozaid	abozaid	ADJ
ejif-6816	142	1	[	[	X
ejif-6816	142	2	26	26	NUM
ejif-6816	142	3	]	]	PUNCT
ejif-6816	142	4	.	.	PUNCT
ejif-6816	143	1	b.	b.	PROPN
ejif-6816	143	2	secondly	secondly	ADV
ejif-6816	143	3	,	,	PUNCT
ejif-6816	143	4	credit	credit	NOUN
ejif-6816	143	5	cards	card	NOUN
ejif-6816	143	6	based	base	VERB
ejif-6816	143	7	on	on	ADP
ejif-6816	143	8	service	service	NOUN
ejif-6816	143	9	ijārah	ijārah	PROPN
ejif-6816	143	10	as	as	SCONJ
ejif-6816	143	11	mentioned	mention	VERB
ejif-6816	143	12	earlier	early	ADV
ejif-6816	143	13	,	,	PUNCT
ejif-6816	143	14	credit	credit	NOUN
ejif-6816	143	15	card	card	NOUN
ejif-6816	143	16	has	have	VERB
ejif-6816	143	17	several	several	ADJ
ejif-6816	143	18	advantages	advantage	NOUN
ejif-6816	143	19	for	for	ADP
ejif-6816	143	20	their	their	PRON
ejif-6816	143	21	holders	holder	NOUN
ejif-6816	143	22	,	,	PUNCT
ejif-6816	143	23	merchants	merchant	NOUN
ejif-6816	143	24	,	,	PUNCT
ejif-6816	143	25	and	and	CCONJ
ejif-6816	143	26	issuers	issuer	NOUN
ejif-6816	143	27	too	too	ADV
ejif-6816	143	28	.	.	PUNCT
ejif-6816	144	1	the	the	DET
ejif-6816	144	2	issuers	issuer	NOUN
ejif-6816	144	3	may	may	AUX
ejif-6816	144	4	charge	charge	VERB
ejif-6816	144	5	issuance	issuance	NOUN
ejif-6816	144	6	fees	fee	NOUN
ejif-6816	144	7	or	or	CCONJ
ejif-6816	144	8	periodical	periodical	ADJ
ejif-6816	144	9	fees	fee	NOUN
ejif-6816	144	10	to	to	ADP
ejif-6816	144	11	the	the	DET
ejif-6816	144	12	cardholder	cardholder	NOUN
ejif-6816	144	13	regardless	regardless	ADV
ejif-6816	144	14	of	of	ADP
ejif-6816	144	15	whether	whether	SCONJ
ejif-6816	144	16	the	the	DET
ejif-6816	144	17	cardholder	cardholder	NOUN
ejif-6816	144	18	is	be	AUX
ejif-6816	144	19	using	use	VERB
ejif-6816	144	20	the	the	DET
ejif-6816	144	21	card	card	NOUN
ejif-6816	144	22	.	.	PUNCT
ejif-6816	145	1	these	these	DET
ejif-6816	145	2	charges	charge	NOUN
ejif-6816	145	3	are	be	AUX
ejif-6816	145	4	deemed	deem	VERB
ejif-6816	145	5	permissible	permissible	ADJ
ejif-6816	145	6	by	by	ADP
ejif-6816	145	7	oic	oic	PROPN
ejif-6816	145	8	fiqh	fiqh	PROPN
ejif-6816	145	9	academy	academy	PROPN
ejif-6816	145	10	resolution	resolution	NOUN
ejif-6816	145	11	108	108	NUM
ejif-6816	145	12	(	(	PUNCT
ejif-6816	145	13	2/12	2/12	NUM
ejif-6816	145	14	)	)	PUNCT
ejif-6816	145	15	as	as	SCONJ
ejif-6816	145	16	they	they	PRON
ejif-6816	145	17	are	be	AUX
ejif-6816	145	18	against	against	ADP
ejif-6816	145	19	the	the	DET
ejif-6816	145	20	embedded	embed	VERB
ejif-6816	145	21	services	service	NOUN
ejif-6816	145	22	in	in	ADP
ejif-6816	145	23	the	the	DET
ejif-6816	145	24	card	card	NOUN
ejif-6816	145	25	or	or	CCONJ
ejif-6816	145	26	some	some	DET
ejif-6816	145	27	privileges	privilege	NOUN
ejif-6816	145	28	that	that	PRON
ejif-6816	145	29	may	may	AUX
ejif-6816	145	30	come	come	VERB
ejif-6816	145	31	with	with	ADP
ejif-6816	145	32	it	it	PRON
ejif-6816	145	33	,	,	PUNCT
ejif-6816	145	34	such	such	ADJ
ejif-6816	145	35	as	as	ADP
ejif-6816	145	36	club	club	NOUN
ejif-6816	145	37	memberships	membership	NOUN
ejif-6816	145	38	,	,	PUNCT
ejif-6816	145	39	complimentary	complimentary	ADJ
ejif-6816	145	40	insurance	insurance	NOUN
ejif-6816	145	41	,	,	PUNCT
ejif-6816	145	42	and	and	CCONJ
ejif-6816	145	43	discounts	discount	NOUN
ejif-6816	145	44	on	on	ADP
ejif-6816	145	45	some	some	DET
ejif-6816	145	46	items	item	NOUN
ejif-6816	145	47	,	,	PUNCT
ejif-6816	145	48	to	to	PART
ejif-6816	145	49	name	name	VERB
ejif-6816	145	50	a	a	DET
ejif-6816	145	51	few	few	ADJ
ejif-6816	145	52	.	.	PUNCT
ejif-6816	146	1	in	in	ADP
ejif-6816	146	2	principle	principle	NOUN
ejif-6816	146	3	,	,	PUNCT
ejif-6816	146	4	placing	place	VERB
ejif-6816	146	5	fixed	fix	VERB
ejif-6816	146	6	fees	fee	NOUN
ejif-6816	146	7	on	on	ADP
ejif-6816	146	8	credit	credit	NOUN
ejif-6816	146	9	cards	card	NOUN
ejif-6816	146	10	for	for	ADP
ejif-6816	146	11	such	such	ADJ
ejif-6816	146	12	services	service	NOUN
ejif-6816	146	13	is	be	AUX
ejif-6816	146	14	a	a	DET
ejif-6816	146	15	permitted	permit	VERB
ejif-6816	146	16	condition	condition	NOUN
ejif-6816	146	17	for	for	ADP
ejif-6816	146	18	the	the	DET
ejif-6816	146	19	permissibility	permissibility	NOUN
ejif-6816	146	20	of	of	ADP
ejif-6816	146	21	the	the	DET
ejif-6816	146	22	services	service	NOUN
ejif-6816	146	23	offered	offer	VERB
ejif-6816	146	24	.	.	PUNCT
ejif-6816	147	1	this	this	PRON
ejif-6816	147	2	is	be	AUX
ejif-6816	147	3	because	because	SCONJ
ejif-6816	147	4	it	it	PRON
ejif-6816	147	5	is	be	AUX
ejif-6816	147	6	permissible	permissible	ADJ
ejif-6816	147	7	in	in	ADP
ejif-6816	147	8	shariah	shariah	PROPN
ejif-6816	147	9	to	to	PART
ejif-6816	147	10	charge	charge	VERB
ejif-6816	147	11	a	a	DET
ejif-6816	147	12	fee	fee	NOUN
ejif-6816	147	13	for	for	ADP
ejif-6816	147	14	a	a	DET
ejif-6816	147	15	lawful	lawful	ADJ
ejif-6816	147	16	service	service	NOUN
ejif-6816	147	17	,	,	PUNCT
ejif-6816	147	18	just	just	ADV
ejif-6816	147	19	like	like	SCONJ
ejif-6816	147	20	it	it	PRON
ejif-6816	147	21	is	be	AUX
ejif-6816	147	22	permissible	permissible	ADJ
ejif-6816	147	23	to	to	PART
ejif-6816	147	24	demand	demand	VERB
ejif-6816	147	25	a	a	DET
ejif-6816	147	26	price	price	NOUN
ejif-6816	147	27	for	for	ADP
ejif-6816	147	28	selling	sell	VERB
ejif-6816	147	29	a	a	DET
ejif-6816	147	30	lawful	lawful	ADJ
ejif-6816	147	31	commodity	commodity	NOUN
ejif-6816	147	32	.	.	PUNCT
ejif-6816	148	1	ijārah	ijārah	PROPN
ejif-6816	148	2	is	be	AUX
ejif-6816	148	3	a	a	DET
ejif-6816	148	4	sale	sale	NOUN
ejif-6816	148	5	of	of	ADP
ejif-6816	148	6	a	a	DET
ejif-6816	148	7	usufruct	usufruct	NOUN
ejif-6816	148	8	or	or	CCONJ
ejif-6816	148	9	service	service	NOUN
ejif-6816	148	10	,	,	PUNCT
ejif-6816	148	11	so	so	CCONJ
ejif-6816	148	12	it	it	PRON
ejif-6816	148	13	is	be	AUX
ejif-6816	148	14	a	a	DET
ejif-6816	148	15	sale	sale	NOUN
ejif-6816	148	16	contract	contract	NOUN
ejif-6816	148	17	.	.	PUNCT
ejif-6816	149	1	the	the	DET
ejif-6816	149	2	real	real	ADJ
ejif-6816	149	3	usufructs	usufruct	NOUN
ejif-6816	149	4	that	that	SCONJ
ejif-6816	149	5	the	the	DET
ejif-6816	149	6	card	card	NOUN
ejif-6816	149	7	issuer	issuer	NOUN
ejif-6816	149	8	provides	provide	VERB
ejif-6816	149	9	to	to	ADP
ejif-6816	149	10	the	the	DET
ejif-6816	149	11	cardholder	cardholder	NOUN
ejif-6816	149	12	justify	justify	VERB
ejif-6816	149	13	for	for	SCONJ
ejif-6816	149	14	him	he	PRON
ejif-6816	149	15	to	to	PART
ejif-6816	149	16	charge	charge	VERB
ejif-6816	149	17	a	a	DET
ejif-6816	149	18	fee	fee	NOUN
ejif-6816	149	19	,	,	PUNCT
ejif-6816	149	20	whether	whether	SCONJ
ejif-6816	149	21	the	the	DET
ejif-6816	149	22	fee	fee	NOUN
ejif-6816	149	23	is	be	AUX
ejif-6816	149	24	paid	pay	VERB
ejif-6816	149	25	in	in	ADP
ejif-6816	149	26	one	one	NUM
ejif-6816	149	27	go	go	NOUN
ejif-6816	149	28	,	,	PUNCT
ejif-6816	149	29	on	on	ADP
ejif-6816	149	30	a	a	DET
ejif-6816	149	31	monthly	monthly	ADJ
ejif-6816	149	32	or	or	CCONJ
ejif-6816	149	33	yearly	yearly	ADJ
ejif-6816	149	34	basis	basis	NOUN
ejif-6816	149	35	,	,	PUNCT
ejif-6816	149	36	or	or	CCONJ
ejif-6816	149	37	a	a	DET
ejif-6816	149	38	mix	mix	NOUN
ejif-6816	149	39	of	of	ADP
ejif-6816	149	40	them	they	PRON
ejif-6816	149	41	.	.	PUNCT
ejif-6816	150	1	further	far	ADV
ejif-6816	150	2	,	,	PUNCT
ejif-6816	150	3	different	different	ADJ
ejif-6816	150	4	types	type	NOUN
ejif-6816	150	5	of	of	ADP
ejif-6816	150	6	services	service	NOUN
ejif-6816	150	7	justify	justify	VERB
ejif-6816	150	8	varying	vary	VERB
ejif-6816	150	9	fees	fee	NOUN
ejif-6816	150	10	.	.	PUNCT
ejif-6816	151	1	a	a	DET
ejif-6816	151	2	privilege	privilege	NOUN
ejif-6816	151	3	card	card	NOUN
ejif-6816	151	4	(	(	PUNCT
ejif-6816	151	5	like	like	ADP
ejif-6816	151	6	platinum	platinum	NOUN
ejif-6816	151	7	or	or	CCONJ
ejif-6816	151	8	gold	gold	NOUN
ejif-6816	151	9	)	)	PUNCT
ejif-6816	151	10	may	may	AUX
ejif-6816	151	11	be	be	AUX
ejif-6816	151	12	charged	charge	VERB
ejif-6816	151	13	higher	high	ADJ
ejif-6816	151	14	for	for	ADP
ejif-6816	151	15	its	its	PRON
ejif-6816	151	16	valued	value	VERB
ejif-6816	151	17	services	service	NOUN
ejif-6816	151	18	.	.	PUNCT
ejif-6816	152	1	the	the	DET
ejif-6816	152	2	cardholder	cardholder	NOUN
ejif-6816	152	3	pays	pay	VERB
ejif-6816	152	4	a	a	DET
ejif-6816	152	5	fixed	fix	VERB
ejif-6816	152	6	fee	fee	NOUN
ejif-6816	152	7	to	to	ADP
ejif-6816	152	8	the	the	DET
ejif-6816	152	9	issuer	issuer	NOUN
ejif-6816	152	10	in	in	ADP
ejif-6816	152	11	return	return	NOUN
ejif-6816	152	12	for	for	ADP
ejif-6816	152	13	services	service	NOUN
ejif-6816	152	14	offered	offer	VERB
ejif-6816	152	15	.	.	PUNCT
ejif-6816	153	1	this	this	DET
ejif-6816	153	2	fee	fee	NOUN
ejif-6816	153	3	remains	remain	VERB
ejif-6816	153	4	the	the	DET
ejif-6816	153	5	same	same	ADJ
ejif-6816	153	6	regardless	regardless	ADV
ejif-6816	153	7	of	of	ADP
ejif-6816	153	8	the	the	DET
ejif-6816	153	9	usage	usage	NOUN
ejif-6816	153	10	of	of	ADP
ejif-6816	153	11	the	the	DET
ejif-6816	153	12	card	card	NOUN
ejif-6816	153	13	,	,	PUNCT
ejif-6816	153	14	as	as	ADP
ejif-6816	153	15	in	in	ADP
ejif-6816	153	16	the	the	DET
ejif-6816	153	17	case	case	NOUN
ejif-6816	153	18	of	of	ADP
ejif-6816	153	19	conventional	conventional	ADJ
ejif-6816	153	20	credit	credit	NOUN
ejif-6816	153	21	cards	card	NOUN
ejif-6816	153	22	.	.	PUNCT
ejif-6816	154	1	however	however	ADV
ejif-6816	154	2	,	,	PUNCT
ejif-6816	154	3	islamic	islamic	ADJ
ejif-6816	154	4	banks	bank	NOUN
ejif-6816	154	5	that	that	PRON
ejif-6816	154	6	issue	issue	VERB
ejif-6816	154	7	these	these	DET
ejif-6816	154	8	cards	card	NOUN
ejif-6816	154	9	waive	waive	VERB
ejif-6816	154	10	the	the	DET
ejif-6816	154	11	fee	fee	NOUN
ejif-6816	154	12	if	if	SCONJ
ejif-6816	154	13	the	the	DET
ejif-6816	154	14	cardholder	cardholder	NOUN
ejif-6816	154	15	repays	repay	VERB
ejif-6816	154	16	the	the	DET
ejif-6816	154	17	full	full	ADJ
ejif-6816	154	18	value	value	NOUN
ejif-6816	154	19	during	during	ADP
ejif-6816	154	20	the	the	DET
ejif-6816	154	21	grace	grace	NOUN
ejif-6816	154	22	period	period	NOUN
ejif-6816	154	23	.	.	PUNCT
ejif-6816	155	1	otherwise	otherwise	ADV
ejif-6816	155	2	,	,	PUNCT
ejif-6816	155	3	the	the	DET
ejif-6816	155	4	bank	bank	NOUN
ejif-6816	155	5	obliges	oblige	VERB
ejif-6816	155	6	the	the	DET
ejif-6816	155	7	cardholder	cardholder	NOUN
ejif-6816	155	8	to	to	PART
ejif-6816	155	9	pay	pay	VERB
ejif-6816	155	10	the	the	DET
ejif-6816	155	11	full	full	ADJ
ejif-6816	155	12	monthly	monthly	ADJ
ejif-6816	155	13	fee	fee	NOUN
ejif-6816	155	14	,	,	PUNCT
ejif-6816	155	15	even	even	ADV
ejif-6816	155	16	if	if	SCONJ
ejif-6816	155	17	only	only	ADV
ejif-6816	155	18	a	a	DET
ejif-6816	155	19	single	single	ADJ
ejif-6816	155	20	penny	penny	NOUN
ejif-6816	155	21	is	be	AUX
ejif-6816	155	22	left	leave	VERB
ejif-6816	155	23	to	to	PART
ejif-6816	155	24	be	be	AUX
ejif-6816	155	25	repaid	repay	VERB
ejif-6816	155	26	.	.	PUNCT
ejif-6816	156	1	islamic	islamic	ADJ
ejif-6816	156	2	banks	bank	NOUN
ejif-6816	156	3	grant	grant	VERB
ejif-6816	156	4	this	this	DET
ejif-6816	156	5	waiver	waiver	NOUN
ejif-6816	156	6	regardless	regardless	ADV
ejif-6816	156	7	of	of	ADP
ejif-6816	156	8	whether	whether	SCONJ
ejif-6816	156	9	the	the	DET
ejif-6816	156	10	cardholder	cardholder	NOUN
ejif-6816	156	11	uses	use	VERB
ejif-6816	156	12	the	the	DET
ejif-6816	156	13	services	service	NOUN
ejif-6816	156	14	included	include	VERB
ejif-6816	156	15	in	in	ADP
ejif-6816	156	16	the	the	DET
ejif-6816	156	17	card	card	NOUN
ejif-6816	156	18	because	because	SCONJ
ejif-6816	156	19	the	the	DET
ejif-6816	156	20	banks	bank	NOUN
ejif-6816	156	21	want	want	VERB
ejif-6816	156	22	their	their	PRON
ejif-6816	156	23	cards	card	NOUN
ejif-6816	156	24	to	to	PART
ejif-6816	156	25	remain	remain	VERB
ejif-6816	156	26	equally	equally	ADV
ejif-6816	156	27	competitive	competitive	ADJ
ejif-6816	156	28	in	in	ADP
ejif-6816	156	29	the	the	DET
ejif-6816	156	30	market	market	NOUN
ejif-6816	156	31	since	since	SCONJ
ejif-6816	156	32	conventional	conventional	ADJ
ejif-6816	156	33	credit	credit	NOUN
ejif-6816	156	34	cards	card	NOUN
ejif-6816	156	35	waive	waive	VERB
ejif-6816	156	36	the	the	DET
ejif-6816	156	37	additional	additional	ADJ
ejif-6816	156	38	amount	amount	NOUN
ejif-6816	156	39	if	if	SCONJ
ejif-6816	156	40	the	the	DET
ejif-6816	156	41	cardholder	cardholder	NOUN
ejif-6816	156	42	repays	repay	VERB
ejif-6816	156	43	the	the	DET
ejif-6816	156	44	billed	bill	VERB
ejif-6816	156	45	amount	amount	NOUN
ejif-6816	156	46	within	within	ADP
ejif-6816	156	47	the	the	DET
ejif-6816	156	48	grace	grace	NOUN
ejif-6816	156	49	period	period	NOUN
ejif-6816	156	50	.	.	PUNCT
ejif-6816	157	1	hence	hence	ADV
ejif-6816	157	2	,	,	PUNCT
ejif-6816	157	3	one	one	PRON
ejif-6816	157	4	will	will	AUX
ejif-6816	157	5	find	find	VERB
ejif-6816	157	6	that	that	SCONJ
ejif-6816	157	7	islamic	islamic	ADJ
ejif-6816	157	8	banks	bank	NOUN
ejif-6816	157	9	offer	offer	VERB
ejif-6816	157	10	similar	similar	ADJ
ejif-6816	157	11	privileges	privilege	NOUN
ejif-6816	157	12	to	to	ADP
ejif-6816	157	13	their	their	PRON
ejif-6816	157	14	customers	customer	NOUN
ejif-6816	157	15	as	as	ADP
ejif-6816	157	16	conventional	conventional	ADJ
ejif-6816	157	17	banks	bank	NOUN
ejif-6816	157	18	.	.	PUNCT
ejif-6816	158	1	nevertheless	nevertheless	ADV
ejif-6816	158	2	,	,	PUNCT
ejif-6816	158	3	there	there	PRON
ejif-6816	158	4	is	be	VERB
ejif-6816	158	5	no	no	DET
ejif-6816	158	6	shariah	shariah	PROPN
ejif-6816	158	7	issue	issue	NOUN
ejif-6816	158	8	with	with	ADP
ejif-6816	158	9	this	this	DET
ejif-6816	158	10	waiver	waiver	NOUN
ejif-6816	158	11	,	,	PUNCT
ejif-6816	158	12	as	as	SCONJ
ejif-6816	158	13	it	it	PRON
ejif-6816	158	14	is	be	AUX
ejif-6816	158	15	given	give	VERB
ejif-6816	158	16	as	as	ADP
ejif-6816	158	17	a	a	DET
ejif-6816	158	18	gift	gift	NOUN
ejif-6816	158	19	(	(	PUNCT
ejif-6816	158	20	hiba	hiba	PROPN
ejif-6816	158	21	)	)	PUNCT
ejif-6816	158	22	.	.	PUNCT
ejif-6816	159	1	c.	c.	PROPN
ejif-6816	159	2	sharia’h	sharia’h	PROPN
ejif-6816	159	3	appraisal	appraisal	NOUN
ejif-6816	159	4	of	of	ADP
ejif-6816	159	5	ijārah	ijārah	PROPN
ejif-6816	159	6	-	-	PUNCT
ejif-6816	159	7	based	base	VERB
ejif-6816	159	8	credit	credit	NOUN
ejif-6816	159	9	cards	card	NOUN
ejif-6816	159	10	as	as	SCONJ
ejif-6816	159	11	stated	state	VERB
ejif-6816	159	12	earlier	early	ADV
ejif-6816	159	13	,	,	PUNCT
ejif-6816	159	14	a	a	DET
ejif-6816	159	15	credit	credit	NOUN
ejif-6816	159	16	card	card	NOUN
ejif-6816	159	17	provides	provide	VERB
ejif-6816	159	18	some	some	DET
ejif-6816	159	19	services	service	NOUN
ejif-6816	159	20	that	that	PRON
ejif-6816	159	21	may	may	AUX
ejif-6816	159	22	justifiably	justifiably	ADV
ejif-6816	159	23	warrant	warrant	VERB
ejif-6816	159	24	a	a	DET
ejif-6816	159	25	fee	fee	NOUN
ejif-6816	159	26	.	.	PUNCT
ejif-6816	160	1	according	accord	VERB
ejif-6816	160	2	to	to	ADP
ejif-6816	160	3	oic	oic	PROPN
ejif-6816	160	4	fiqh	fiqh	PROPN
ejif-6816	160	5	academy	academy	PROPN
ejif-6816	160	6	resolution	resolution	NOUN
ejif-6816	160	7	no	no	INTJ
ejif-6816	160	8	.	.	PROPN
ejif-6816	160	9	108	108	NUM
ejif-6816	160	10	(	(	PUNCT
ejif-6816	160	11	2/12	2/12	NUM
ejif-6816	160	12	)	)	PUNCT
ejif-6816	160	13	,	,	PUNCT
ejif-6816	160	14	charging	charge	VERB
ejif-6816	160	15	fees	fee	NOUN
ejif-6816	160	16	by	by	ADP
ejif-6816	160	17	the	the	DET
ejif-6816	160	18	card	card	NOUN
ejif-6816	160	19	issuer	issuer	NOUN
ejif-6816	160	20	against	against	ADP
ejif-6816	160	21	the	the	DET
ejif-6816	160	22	services	service	NOUN
ejif-6816	160	23	embedded	embed	VERB
ejif-6816	160	24	in	in	ADP
ejif-6816	160	25	the	the	DET
ejif-6816	160	26	card	card	NOUN
ejif-6816	160	27	,	,	PUNCT
ejif-6816	160	28	except	except	SCONJ
ejif-6816	160	29	for	for	ADP
ejif-6816	160	30	the	the	DET
ejif-6816	160	31	credit	credit	NOUN
ejif-6816	160	32	,	,	PUNCT
ejif-6816	160	33	is	be	AUX
ejif-6816	160	34	permissible	permissible	ADJ
ejif-6816	160	35	.	.	PUNCT
ejif-6816	161	1	however	however	ADV
ejif-6816	161	2	,	,	PUNCT
ejif-6816	161	3	according	accord	VERB
ejif-6816	161	4	to	to	ADP
ejif-6816	161	5	oic	oic	PROPN
ejif-6816	161	6	fiqh	fiqh	PROPN
ejif-6816	161	7	academy	academy	PROPN
ejif-6816	161	8	resolution	resolution	NOUN
ejif-6816	161	9	no	no	INTJ
ejif-6816	161	10	.	.	NOUN
ejif-6816	161	11	139	139	NUM
ejif-6816	161	12	(	(	PUNCT
ejif-6816	161	13	5/15	5/15	NUM
ejif-6816	161	14	)	)	PUNCT
ejif-6816	161	15	,	,	PUNCT
ejif-6816	161	16	these	these	DET
ejif-6816	161	17	cards	card	NOUN
ejif-6816	161	18	must	must	AUX
ejif-6816	161	19	not	not	PART
ejif-6816	161	20	include	include	VERB
ejif-6816	161	21	any	any	DET
ejif-6816	161	22	prohibited	prohibit	VERB
ejif-6816	161	23	service	service	NOUN
ejif-6816	161	24	.	.	PUNCT
ejif-6816	162	1	credit	credit	NOUN
ejif-6816	162	2	cards	card	NOUN
ejif-6816	162	3	contains	contain	VERB
ejif-6816	162	4	a	a	DET
ejif-6816	162	5	loan	loan	NOUN
ejif-6816	162	6	,	,	PUNCT
ejif-6816	162	7	in	in	ADP
ejif-6816	162	8	the	the	DET
ejif-6816	162	9	form	form	NOUN
ejif-6816	162	10	of	of	ADP
ejif-6816	162	11	the	the	DET
ejif-6816	162	12	credit	credit	NOUN
ejif-6816	162	13	card	card	NOUN
ejif-6816	162	14	limit	limit	NOUN
ejif-6816	162	15	that	that	SCONJ
ejif-6816	162	16	the	the	DET
ejif-6816	162	17	issuing	issue	VERB
ejif-6816	162	18	bank	bank	NOUN
ejif-6816	162	19	provides	provide	VERB
ejif-6816	162	20	to	to	ADP
ejif-6816	162	21	the	the	DET
ejif-6816	162	22	cardholder	cardholder	NOUN
ejif-6816	162	23	.	.	PUNCT
ejif-6816	163	1	this	this	DET
ejif-6816	163	2	credit	credit	NOUN
ejif-6816	163	3	can	can	AUX
ejif-6816	163	4	not	not	PART
ejif-6816	163	5	be	be	AUX
ejif-6816	163	6	regarded	regard	VERB
ejif-6816	163	7	except	except	SCONJ
ejif-6816	163	8	as	as	ADP
ejif-6816	163	9	a	a	DET
ejif-6816	163	10	loan	loan	NOUN
ejif-6816	163	11	,	,	PUNCT
ejif-6816	163	12	and	and	CCONJ
ejif-6816	163	13	profiting	profit	VERB
ejif-6816	163	14	from	from	ADP
ejif-6816	163	15	a	a	DET
ejif-6816	163	16	loan	loan	NOUN
ejif-6816	163	17	is	be	AUX
ejif-6816	163	18	impermissible	impermissible	ADJ
ejif-6816	163	19	,	,	PUNCT
ejif-6816	163	20	as	as	SCONJ
ejif-6816	163	21	it	it	PRON
ejif-6816	163	22	is	be	AUX
ejif-6816	163	23	riba	riba	NOUN
ejif-6816	163	24	.	.	PUNCT
ejif-6816	164	1	hence	hence	ADV
ejif-6816	164	2	,	,	PUNCT
ejif-6816	164	3	there	there	PRON
ejif-6816	164	4	are	be	VERB
ejif-6816	164	5	two	two	NUM
ejif-6816	164	6	components	component	NOUN
ejif-6816	164	7	in	in	ADP
ejif-6816	164	8	a	a	DET
ejif-6816	164	9	credit	credit	NOUN
ejif-6816	164	10	card	card	NOUN
ejif-6816	164	11	:	:	PUNCT
ejif-6816	164	12	the	the	DET
ejif-6816	164	13	services	service	NOUN
ejif-6816	164	14	and	and	CCONJ
ejif-6816	164	15	the	the	DET
ejif-6816	164	16	loan	loan	NOUN
ejif-6816	164	17	.	.	PUNCT
ejif-6816	165	1	a	a	DET
ejif-6816	165	2	profit	profit	NOUN
ejif-6816	165	3	can	can	AUX
ejif-6816	165	4	be	be	AUX
ejif-6816	165	5	earned	earn	VERB
ejif-6816	165	6	from	from	ADP
ejif-6816	165	7	the	the	DET
ejif-6816	165	8	service	service	NOUN
ejif-6816	165	9	,	,	PUNCT
ejif-6816	165	10	not	not	PART
ejif-6816	165	11	the	the	DET
ejif-6816	165	12	loan	loan	NOUN
ejif-6816	165	13	.	.	PUNCT
ejif-6816	166	1	combining	combine	VERB
ejif-6816	166	2	a	a	DET
ejif-6816	166	3	loan	loan	NOUN
ejif-6816	166	4	and	and	CCONJ
ejif-6816	166	5	any	any	DET
ejif-6816	166	6	other	other	ADJ
ejif-6816	166	7	contract	contract	NOUN
ejif-6816	166	8	like	like	ADP
ejif-6816	166	9	a	a	DET
ejif-6816	166	10	sale	sale	NOUN
ejif-6816	166	11	or	or	CCONJ
ejif-6816	166	12	a	a	DET
ejif-6816	166	13	lease	lease	NOUN
ejif-6816	166	14	european	european	PROPN
ejif-6816	166	15	journal	journal	PROPN
ejif-6816	166	16	of	of	ADP
ejif-6816	166	17	islamic	islamic	PROPN
ejif-6816	166	18	finance	finance	PROPN
ejif-6816	166	19	issn	issn	PROPN
ejif-6816	166	20	:	:	PUNCT
ejif-6816	166	21	2421	2421	NUM
ejif-6816	166	22	-	-	SYM
ejif-6816	166	23	2172	2172	NUM
ejif-6816	166	24	doi	doi	NOUN
ejif-6816	166	25	:	:	PUNCT
ejif-6816	166	26	10.13135/2421	10.13135/2421	NUM
ejif-6816	166	27	-	-	SYM
ejif-6816	166	28	2172/6816	2172/6816	NUM
ejif-6816	166	29	published	publish	VERB
ejif-6816	166	30	by	by	ADP
ejif-6816	166	31	the	the	DET
ejif-6816	166	32	university	university	PROPN
ejif-6816	166	33	of	of	ADP
ejif-6816	166	34	turin	turin	PROPN
ejif-6816	167	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	167	2	ejif	ejif	PROPN
ejif-6816	167	3	content	content	NOUN
ejif-6816	167	4	is	be	AUX
ejif-6816	167	5	licensed	license	VERB
ejif-6816	167	6	under	under	ADP
ejif-6816	167	7	a	a	DET
ejif-6816	167	8	creative	creative	ADJ
ejif-6816	167	9	commons	common	NOUN
ejif-6816	167	10	attribution	attribution	NOUN
ejif-6816	167	11	4.0	4.0	NUM
ejif-6816	167	12	international	international	ADJ
ejif-6816	167	13	license	license	NOUN
ejif-6816	167	14	received	receive	VERB
ejif-6816	167	15	:	:	PUNCT
ejif-6816	167	16	08/06/2022	08/06/2022	NOUN
ejif-6816	167	17	accepted	accept	VERB
ejif-6816	167	18	for	for	ADP
ejif-6816	167	19	publication	publication	NOUN
ejif-6816	167	20	:	:	PUNCT
ejif-6816	167	21	18/11/2022	18/11/2022	NUM
ejif-6816	167	22	published	publish	VERB
ejif-6816	167	23	:	:	PUNCT
ejif-6816	167	24	29/12/2022	29/12/2022	NUM
ejif-6816	167	25	18	18	NUM
ejif-6816	167	26	entails	entail	VERB
ejif-6816	167	27	caution	caution	NOUN
ejif-6816	167	28	from	from	ADP
ejif-6816	167	29	a	a	DET
ejif-6816	167	30	shariah	shariah	PROPN
ejif-6816	167	31	perspective	perspective	NOUN
ejif-6816	167	32	because	because	SCONJ
ejif-6816	167	33	the	the	DET
ejif-6816	167	34	fee	fee	NOUN
ejif-6816	167	35	or	or	CCONJ
ejif-6816	167	36	the	the	DET
ejif-6816	167	37	price	price	NOUN
ejif-6816	167	38	might	might	AUX
ejif-6816	167	39	be	be	AUX
ejif-6816	167	40	increased	increase	VERB
ejif-6816	167	41	in	in	ADP
ejif-6816	167	42	return	return	NOUN
ejif-6816	167	43	for	for	ADP
ejif-6816	167	44	giving	give	VERB
ejif-6816	167	45	the	the	DET
ejif-6816	167	46	loan	loan	NOUN
ejif-6816	167	47	,	,	PUNCT
ejif-6816	167	48	as	as	ADP
ejif-6816	167	49	in	in	ADP
ejif-6816	167	50	the	the	DET
ejif-6816	167	51	hadīth	hadīth	NOUN
ejif-6816	167	52	that	that	PRON
ejif-6816	167	53	suggests	suggest	VERB
ejif-6816	167	54	that	that	SCONJ
ejif-6816	167	55	“	"	PUNCT
ejif-6816	167	56	combining	combine	VERB
ejif-6816	167	57	salaf	salaf	NOUN
ejif-6816	167	58	and	and	CCONJ
ejif-6816	167	59	sale	sale	NOUN
ejif-6816	167	60	is	be	AUX
ejif-6816	167	61	not	not	PART
ejif-6816	167	62	permitted	permit	VERB
ejif-6816	167	63	”	"	PUNCT
ejif-6816	167	64	.	.	PUNCT
ejif-6816	168	1	the	the	DET
ejif-6816	168	2	hadith	hadith	NOUN
ejif-6816	168	3	,	,	PUNCT
ejif-6816	168	4	as	as	SCONJ
ejif-6816	168	5	reported	report	VERB
ejif-6816	168	6	by	by	ADP
ejif-6816	168	7	abu	abu	PROPN
ejif-6816	168	8	dawud	dawud	PROPN
ejif-6816	168	9	(	(	PUNCT
ejif-6816	168	10	hadith	hadith	PROPN
ejif-6816	168	11	no	no	INTJ
ejif-6816	168	12	.	.	PROPN
ejif-6816	168	13	3504	3504	NUM
ejif-6816	168	14	)	)	PUNCT
ejif-6816	168	15	;	;	PUNCT
ejif-6816	168	16	al	al	PROPN
ejif-6816	168	17	-	-	PUNCT
ejif-6816	168	18	tirmithi	tirmithi	PROPN
ejif-6816	168	19	(	(	PUNCT
ejif-6816	168	20	hadith	hadith	NOUN
ejif-6816	168	21	no	no	INTJ
ejif-6816	168	22	.	.	PROPN
ejif-6816	168	23	1234	1234	NUM
ejif-6816	168	24	)	)	PUNCT
ejif-6816	168	25	;	;	PUNCT
ejif-6816	168	26	al	al	PROPN
ejif-6816	168	27	-	-	PUNCT
ejif-6816	168	28	nasai	nasai	PROPN
ejif-6816	168	29	’	'	PUNCT
ejif-6816	168	30	(	(	PUNCT
ejif-6816	168	31	hadith	hadith	NOUN
ejif-6816	168	32	no	no	INTJ
ejif-6816	168	33	.	.	NOUN
ejif-6816	168	34	4611	4611	NUM
ejif-6816	168	35	)	)	PUNCT
ejif-6816	168	36	,	,	PUNCT
ejif-6816	168	37	ahmad	ahmad	PROPN
ejif-6816	168	38	(	(	PUNCT
ejif-6816	168	39	hadith	hadith	NOUN
ejif-6816	168	40	no	no	INTJ
ejif-6816	168	41	.	.	NOUN
ejif-6816	168	42	6683	6683	NUM
ejif-6816	168	43	)	)	PUNCT
ejif-6816	168	44	,	,	PUNCT
ejif-6816	168	45	reads	read	VERB
ejif-6816	168	46	:	:	PUNCT
ejif-6816	168	47	“	"	PUNCT
ejif-6816	168	48	the	the	DET
ejif-6816	168	49	messenger	messenger	NOUN
ejif-6816	168	50	of	of	ADP
ejif-6816	168	51	allah	allah	PROPN
ejif-6816	168	52	,	,	PUNCT
ejif-6816	168	53	peace	peace	NOUN
ejif-6816	168	54	be	be	VERB
ejif-6816	168	55	upon	upon	SCONJ
ejif-6816	168	56	him	he	PRON
ejif-6816	168	57	,	,	PUNCT
ejif-6816	168	58	said	say	VERB
ejif-6816	168	59	:	:	PUNCT
ejif-6816	168	60	“	"	PUNCT
ejif-6816	168	61	salaf	salaf	ADJ
ejif-6816	168	62	with	with	ADP
ejif-6816	168	63	the	the	DET
ejif-6816	168	64	sale	sale	NOUN
ejif-6816	168	65	is	be	AUX
ejif-6816	168	66	impermissible	impermissible	ADJ
ejif-6816	168	67	,	,	PUNCT
ejif-6816	168	68	or	or	CCONJ
ejif-6816	168	69	two	two	NUM
ejif-6816	168	70	conditions	condition	NOUN
ejif-6816	168	71	in	in	ADP
ejif-6816	168	72	a	a	DET
ejif-6816	168	73	sale	sale	NOUN
ejif-6816	168	74	,	,	PUNCT
ejif-6816	168	75	or	or	CCONJ
ejif-6816	168	76	gaining	gain	VERB
ejif-6816	168	77	from	from	ADP
ejif-6816	168	78	the	the	DET
ejif-6816	168	79	sale	sale	NOUN
ejif-6816	168	80	of	of	ADP
ejif-6816	168	81	something	something	PRON
ejif-6816	168	82	without	without	ADP
ejif-6816	168	83	or	or	CCONJ
ejif-6816	168	84	before	before	ADP
ejif-6816	168	85	bearing	bear	VERB
ejif-6816	168	86	its	its	PRON
ejif-6816	168	87	liability	liability	NOUN
ejif-6816	168	88	,	,	PUNCT
ejif-6816	168	89	or	or	CCONJ
ejif-6816	168	90	selling	sell	VERB
ejif-6816	168	91	what	what	PRON
ejif-6816	168	92	you	you	PRON
ejif-6816	168	93	do	do	AUX
ejif-6816	168	94	not	not	PART
ejif-6816	168	95	have	have	VERB
ejif-6816	168	96	”	"	PUNCT
ejif-6816	168	97	.	.	PUNCT
ejif-6816	169	1	al	al	PROPN
ejif-6816	169	2	-	-	PUNCT
ejif-6816	169	3	nafrawi	nafrawi	NOUN
ejif-6816	170	1	[	[	X
ejif-6816	170	2	27	27	NUM
ejif-6816	170	3	]	]	PUNCT
ejif-6816	170	4	acknowledge	acknowledge	VERB
ejif-6816	170	5	that	that	SCONJ
ejif-6816	170	6	although	although	SCONJ
ejif-6816	170	7	this	this	DET
ejif-6816	170	8	hadīth	hadīth	NOUN
ejif-6816	170	9	refers	refer	VERB
ejif-6816	170	10	to	to	ADP
ejif-6816	170	11	combining	combine	VERB
ejif-6816	170	12	a	a	DET
ejif-6816	170	13	sale	sale	NOUN
ejif-6816	170	14	with	with	ADP
ejif-6816	170	15	salaf	salaf	ADJ
ejif-6816	170	16	,	,	PUNCT
ejif-6816	170	17	i.e.	i.e.	X
ejif-6816	170	18	,	,	PUNCT
ejif-6816	170	19	a	a	DET
ejif-6816	170	20	loan	loan	NOUN
ejif-6816	170	21	,	,	PUNCT
ejif-6816	170	22	but	but	CCONJ
ejif-6816	170	23	like	like	ADP
ejif-6816	170	24	sale	sale	NOUN
ejif-6816	170	25	in	in	ADP
ejif-6816	170	26	this	this	DET
ejif-6816	170	27	regard	regard	NOUN
ejif-6816	170	28	is	be	AUX
ejif-6816	170	29	any	any	DET
ejif-6816	170	30	commutative	commutative	ADJ
ejif-6816	170	31	contract	contract	NOUN
ejif-6816	170	32	,	,	PUNCT
ejif-6816	170	33	such	such	ADJ
ejif-6816	170	34	as	as	ADP
ejif-6816	170	35	ijarah	ijarah	NOUN
ejif-6816	170	36	,	,	PUNCT
ejif-6816	170	37	as	as	SCONJ
ejif-6816	170	38	the	the	DET
ejif-6816	170	39	jurists	jurist	NOUN
ejif-6816	170	40	say	say	VERB
ejif-6816	170	41	.	.	PUNCT
ejif-6816	171	1	the	the	DET
ejif-6816	171	2	reason	reason	NOUN
ejif-6816	171	3	for	for	ADP
ejif-6816	171	4	the	the	DET
ejif-6816	171	5	prohibition	prohibition	NOUN
ejif-6816	171	6	is	be	AUX
ejif-6816	171	7	that	that	SCONJ
ejif-6816	171	8	the	the	DET
ejif-6816	171	9	price	price	NOUN
ejif-6816	171	10	of	of	ADP
ejif-6816	171	11	the	the	DET
ejif-6816	171	12	sale	sale	NOUN
ejif-6816	171	13	item	item	NOUN
ejif-6816	171	14	could	could	AUX
ejif-6816	171	15	increase	increase	VERB
ejif-6816	171	16	or	or	CCONJ
ejif-6816	171	17	decrease	decrease	VERB
ejif-6816	171	18	to	to	PART
ejif-6816	171	19	cater	cater	VERB
ejif-6816	171	20	for	for	ADP
ejif-6816	171	21	the	the	DET
ejif-6816	171	22	loan	loan	NOUN
ejif-6816	171	23	.	.	PUNCT
ejif-6816	172	1	for	for	ADP
ejif-6816	172	2	example	example	NOUN
ejif-6816	172	3	,	,	PUNCT
ejif-6816	172	4	the	the	DET
ejif-6816	172	5	lender	lender	NOUN
ejif-6816	172	6	may	may	AUX
ejif-6816	172	7	tell	tell	VERB
ejif-6816	172	8	the	the	DET
ejif-6816	172	9	borrower	borrower	NOUN
ejif-6816	172	10	:	:	PUNCT
ejif-6816	172	11	i	i	PRON
ejif-6816	172	12	will	will	AUX
ejif-6816	172	13	lend	lend	VERB
ejif-6816	172	14	you	you	PRON
ejif-6816	172	15	200	200	NUM
ejif-6816	172	16	dollars	dollar	NOUN
ejif-6816	172	17	on	on	ADP
ejif-6816	172	18	the	the	DET
ejif-6816	172	19	condition	condition	NOUN
ejif-6816	172	20	that	that	SCONJ
ejif-6816	172	21	you	you	PRON
ejif-6816	172	22	buy	buy	VERB
ejif-6816	172	23	this	this	PRON
ejif-6816	172	24	(	(	PUNCT
ejif-6816	172	25	specified	specified	ADJ
ejif-6816	172	26	)	)	PUNCT
ejif-6816	172	27	item	item	NOUN
ejif-6816	172	28	from	from	ADP
ejif-6816	172	29	me	i	PRON
ejif-6816	172	30	for	for	ADP
ejif-6816	172	31	50	50	NUM
ejif-6816	172	32	dollars	dollar	NOUN
ejif-6816	172	33	,	,	PUNCT
ejif-6816	172	34	though	though	SCONJ
ejif-6816	172	35	its	its	PRON
ejif-6816	172	36	market	market	NOUN
ejif-6816	172	37	value	value	NOUN
ejif-6816	172	38	is	be	AUX
ejif-6816	172	39	less	less	ADJ
ejif-6816	172	40	than	than	ADP
ejif-6816	172	41	50	50	NUM
ejif-6816	172	42	dollars	dollar	NOUN
ejif-6816	172	43	;	;	PUNCT
ejif-6816	172	44	or	or	CCONJ
ejif-6816	172	45	on	on	ADP
ejif-6816	172	46	the	the	DET
ejif-6816	172	47	condition	condition	NOUN
ejif-6816	172	48	that	that	SCONJ
ejif-6816	172	49	you	you	PRON
ejif-6816	172	50	sell	sell	VERB
ejif-6816	172	51	me	i	PRON
ejif-6816	172	52	this	this	DET
ejif-6816	172	53	(	(	PUNCT
ejif-6816	172	54	specified	specified	ADJ
ejif-6816	172	55	)	)	PUNCT
ejif-6816	172	56	item	item	NOUN
ejif-6816	172	57	for	for	ADP
ejif-6816	172	58	50	50	NUM
ejif-6816	172	59	dollars	dollar	NOUN
ejif-6816	172	60	,	,	PUNCT
ejif-6816	172	61	though	though	SCONJ
ejif-6816	172	62	its	its	PRON
ejif-6816	172	63	market	market	NOUN
ejif-6816	172	64	price	price	NOUN
ejif-6816	172	65	is	be	AUX
ejif-6816	172	66	higher	high	ADJ
ejif-6816	172	67	than	than	ADP
ejif-6816	172	68	50	50	NUM
ejif-6816	172	69	dollars	dollar	NOUN
ejif-6816	172	70	.	.	PUNCT
ejif-6816	173	1	nevertheless	nevertheless	ADV
ejif-6816	173	2	,	,	PUNCT
ejif-6816	173	3	the	the	DET
ejif-6816	173	4	outward	outward	ADJ
ejif-6816	173	5	text	text	NOUN
ejif-6816	173	6	of	of	ADP
ejif-6816	173	7	this	this	DET
ejif-6816	173	8	prohibition	prohibition	NOUN
ejif-6816	173	9	means	mean	VERB
ejif-6816	173	10	that	that	SCONJ
ejif-6816	173	11	all	all	DET
ejif-6816	173	12	exchanges	exchange	NOUN
ejif-6816	173	13	combined	combine	VERB
ejif-6816	173	14	with	with	ADP
ejif-6816	173	15	a	a	DET
ejif-6816	173	16	loan	loan	NOUN
ejif-6816	173	17	are	be	AUX
ejif-6816	173	18	prohibited	prohibit	VERB
ejif-6816	173	19	,	,	PUNCT
ejif-6816	173	20	including	include	VERB
ejif-6816	173	21	ijarah	ijarah	PROPN
ejif-6816	173	22	,	,	PUNCT
ejif-6816	173	23	an	an	DET
ejif-6816	173	24	exchange	exchange	NOUN
ejif-6816	173	25	contract	contract	NOUN
ejif-6816	173	26	.	.	PUNCT
ejif-6816	174	1	the	the	DET
ejif-6816	174	2	effective	effective	ADJ
ejif-6816	174	3	cause	cause	NOUN
ejif-6816	174	4	of	of	ADP
ejif-6816	174	5	the	the	DET
ejif-6816	174	6	prohibition	prohibition	NOUN
ejif-6816	174	7	is	be	AUX
ejif-6816	174	8	clear	clear	ADJ
ejif-6816	174	9	,	,	PUNCT
ejif-6816	174	10	that	that	ADV
ejif-6816	174	11	is	is	ADV
ejif-6816	174	12	,	,	PUNCT
ejif-6816	174	13	using	use	VERB
ejif-6816	174	14	an	an	DET
ejif-6816	174	15	exchange	exchange	NOUN
ejif-6816	174	16	contract	contract	NOUN
ejif-6816	174	17	as	as	ADP
ejif-6816	174	18	a	a	DET
ejif-6816	174	19	stratagem	stratagem	NOUN
ejif-6816	174	20	(	(	PUNCT
ejif-6816	174	21	tahayul	tahayul	NOUN
ejif-6816	174	22	)	)	PUNCT
ejif-6816	174	23	or	or	CCONJ
ejif-6816	174	24	a	a	DET
ejif-6816	174	25	legal	legal	ADJ
ejif-6816	174	26	artifice	artifice	NOUN
ejif-6816	174	27	to	to	PART
ejif-6816	174	28	circumvent	circumvent	VERB
ejif-6816	174	29	the	the	DET
ejif-6816	174	30	sacred	sacred	ADJ
ejif-6816	174	31	law	law	NOUN
ejif-6816	174	32	,	,	PUNCT
ejif-6816	174	33	to	to	PART
ejif-6816	174	34	enable	enable	VERB
ejif-6816	174	35	profiting	profit	VERB
ejif-6816	174	36	from	from	ADP
ejif-6816	174	37	a	a	DET
ejif-6816	174	38	loan	loan	NOUN
ejif-6816	174	39	.	.	PUNCT
ejif-6816	175	1	accordingly	accordingly	ADV
ejif-6816	175	2	,	,	PUNCT
ejif-6816	175	3	it	it	PRON
ejif-6816	175	4	could	could	AUX
ejif-6816	175	5	be	be	AUX
ejif-6816	175	6	acceptable	acceptable	ADJ
ejif-6816	175	7	to	to	PART
ejif-6816	175	8	say	say	VERB
ejif-6816	175	9	that	that	SCONJ
ejif-6816	175	10	it	it	PRON
ejif-6816	175	11	is	be	AUX
ejif-6816	175	12	possible	possible	ADJ
ejif-6816	175	13	to	to	PART
ejif-6816	175	14	excuse	excuse	VERB
ejif-6816	175	15	this	this	DET
ejif-6816	175	16	combination	combination	NOUN
ejif-6816	175	17	[	[	X
ejif-6816	175	18	of	of	ADP
ejif-6816	175	19	sale	sale	NOUN
ejif-6816	175	20	and	and	CCONJ
ejif-6816	175	21	loan	loan	NOUN
ejif-6816	175	22	]	]	PUNCT
ejif-6816	175	23	if	if	SCONJ
ejif-6816	175	24	it	it	PRON
ejif-6816	175	25	is	be	AUX
ejif-6816	175	26	not	not	PART
ejif-6816	175	27	used	use	VERB
ejif-6816	175	28	as	as	ADP
ejif-6816	175	29	a	a	DET
ejif-6816	175	30	legal	legal	ADJ
ejif-6816	175	31	trick	trick	NOUN
ejif-6816	175	32	.	.	PUNCT
ejif-6816	176	1	however	however	ADV
ejif-6816	176	2	,	,	PUNCT
ejif-6816	176	3	two	two	NUM
ejif-6816	176	4	conditions	condition	NOUN
ejif-6816	176	5	must	must	AUX
ejif-6816	176	6	be	be	AUX
ejif-6816	176	7	met	meet	VERB
ejif-6816	176	8	while	while	SCONJ
ejif-6816	176	9	applying	apply	VERB
ejif-6816	176	10	this	this	DET
ejif-6816	176	11	combination	combination	NOUN
ejif-6816	176	12	of	of	ADP
ejif-6816	176	13	sale	sale	NOUN
ejif-6816	176	14	and	and	CCONJ
ejif-6816	176	15	loan	loan	NOUN
ejif-6816	176	16	to	to	ADP
ejif-6816	176	17	the	the	DET
ejif-6816	176	18	credit	credit	NOUN
ejif-6816	176	19	card	card	NOUN
ejif-6816	176	20	’s	’s	PART
ejif-6816	176	21	structure	structure	NOUN
ejif-6816	176	22	,	,	PUNCT
ejif-6816	176	23	in	in	ADP
ejif-6816	176	24	addition	addition	NOUN
ejif-6816	176	25	to	to	ADP
ejif-6816	176	26	not	not	PART
ejif-6816	176	27	using	use	VERB
ejif-6816	176	28	it	it	PRON
ejif-6816	176	29	as	as	ADP
ejif-6816	176	30	tahayul	tahayul	NOUN
ejif-6816	176	31	:	:	PUNCT
ejif-6816	176	32	(	(	PUNCT
ejif-6816	176	33	i	i	NOUN
ejif-6816	176	34	)	)	PUNCT
ejif-6816	176	35	that	that	SCONJ
ejif-6816	176	36	the	the	DET
ejif-6816	176	37	fee	fee	NOUN
ejif-6816	176	38	charged	charge	VERB
ejif-6816	176	39	for	for	ADP
ejif-6816	176	40	credit	credit	NOUN
ejif-6816	176	41	card	card	NOUN
ejif-6816	176	42	services	service	NOUN
ejif-6816	176	43	should	should	AUX
ejif-6816	176	44	not	not	PART
ejif-6816	176	45	be	be	AUX
ejif-6816	176	46	higher	high	ADJ
ejif-6816	176	47	than	than	ADP
ejif-6816	176	48	the	the	DET
ejif-6816	176	49	normal	normal	ADJ
ejif-6816	176	50	market	market	NOUN
ejif-6816	176	51	fee	fee	NOUN
ejif-6816	176	52	(	(	PUNCT
ejif-6816	176	53	if	if	SCONJ
ejif-6816	176	54	it	it	PRON
ejif-6816	176	55	can	can	AUX
ejif-6816	176	56	be	be	AUX
ejif-6816	176	57	approximated	approximate	VERB
ejif-6816	176	58	)	)	PUNCT
ejif-6816	176	59	for	for	ADP
ejif-6816	176	60	these	these	DET
ejif-6816	176	61	services	service	NOUN
ejif-6816	176	62	,	,	PUNCT
ejif-6816	176	63	and	and	CCONJ
ejif-6816	176	64	(	(	PUNCT
ejif-6816	176	65	ii	ii	NOUN
ejif-6816	176	66	)	)	PUNCT
ejif-6816	176	67	the	the	DET
ejif-6816	176	68	fee	fee	NOUN
ejif-6816	176	69	should	should	AUX
ejif-6816	176	70	not	not	PART
ejif-6816	176	71	change	change	VERB
ejif-6816	176	72	if	if	SCONJ
ejif-6816	176	73	the	the	DET
ejif-6816	176	74	credit	credit	NOUN
ejif-6816	176	75	limit	limit	NOUN
ejif-6816	176	76	changes	change	NOUN
ejif-6816	176	77	.	.	PUNCT
ejif-6816	177	1	the	the	DET
ejif-6816	177	2	fee	fee	NOUN
ejif-6816	177	3	may	may	AUX
ejif-6816	177	4	change	change	VERB
ejif-6816	177	5	if	if	SCONJ
ejif-6816	177	6	the	the	DET
ejif-6816	177	7	credit	credit	NOUN
ejif-6816	177	8	card	card	NOUN
ejif-6816	177	9	with	with	ADP
ejif-6816	177	10	a	a	DET
ejif-6816	177	11	higher	high	ADJ
ejif-6816	177	12	credit	credit	NOUN
ejif-6816	177	13	limit	limit	NOUN
ejif-6816	177	14	provides	provide	VERB
ejif-6816	177	15	extra	extra	ADJ
ejif-6816	177	16	services	service	NOUN
ejif-6816	177	17	of	of	ADP
ejif-6816	177	18	additional	additional	ADJ
ejif-6816	177	19	market	market	NOUN
ejif-6816	177	20	value	value	NOUN
ejif-6816	177	21	that	that	PRON
ejif-6816	177	22	make	make	VERB
ejif-6816	177	23	the	the	DET
ejif-6816	177	24	difference	difference	NOUN
ejif-6816	177	25	in	in	ADP
ejif-6816	177	26	the	the	DET
ejif-6816	177	27	fee	fee	NOUN
ejif-6816	177	28	compared	compare	VERB
ejif-6816	177	29	to	to	ADP
ejif-6816	177	30	that	that	PRON
ejif-6816	177	31	of	of	ADP
ejif-6816	177	32	the	the	DET
ejif-6816	177	33	lower	low	ADJ
ejif-6816	177	34	credit	credit	NOUN
ejif-6816	177	35	card	card	NOUN
ejif-6816	177	36	limit	limit	NOUN
ejif-6816	177	37	.	.	PUNCT
ejif-6816	178	1	thus	thus	ADV
ejif-6816	178	2	,	,	PUNCT
ejif-6816	178	3	it	it	PRON
ejif-6816	178	4	is	be	AUX
ejif-6816	178	5	prohibited	prohibit	VERB
ejif-6816	178	6	that	that	SCONJ
ejif-6816	178	7	cards	card	NOUN
ejif-6816	178	8	differ	differ	VERB
ejif-6816	178	9	in	in	ADP
ejif-6816	178	10	their	their	PRON
ejif-6816	178	11	fees	fee	NOUN
ejif-6816	178	12	due	due	ADP
ejif-6816	178	13	to	to	ADP
ejif-6816	178	14	a	a	DET
ejif-6816	178	15	difference	difference	NOUN
ejif-6816	178	16	in	in	ADP
ejif-6816	178	17	their	their	PRON
ejif-6816	178	18	credit	credit	NOUN
ejif-6816	178	19	limit	limit	NOUN
ejif-6816	178	20	.	.	PUNCT
ejif-6816	179	1	however	however	ADV
ejif-6816	179	2	,	,	PUNCT
ejif-6816	179	3	if	if	SCONJ
ejif-6816	179	4	the	the	DET
ejif-6816	179	5	cards	card	NOUN
ejif-6816	179	6	with	with	ADP
ejif-6816	179	7	different	different	ADJ
ejif-6816	179	8	credit	credit	NOUN
ejif-6816	179	9	limits	limit	NOUN
ejif-6816	179	10	come	come	VERB
ejif-6816	179	11	with	with	ADP
ejif-6816	179	12	different	different	ADJ
ejif-6816	179	13	services	service	NOUN
ejif-6816	179	14	,	,	PUNCT
ejif-6816	179	15	and	and	CCONJ
ejif-6816	179	16	the	the	DET
ejif-6816	179	17	extra	extra	ADJ
ejif-6816	179	18	fee	fee	NOUN
ejif-6816	179	19	reflects	reflect	VERB
ejif-6816	179	20	the	the	DET
ejif-6816	179	21	extra	extra	ADJ
ejif-6816	179	22	service	service	NOUN
ejif-6816	179	23	's	's	PART
ejif-6816	179	24	market	market	NOUN
ejif-6816	179	25	value	value	NOUN
ejif-6816	179	26	,	,	PUNCT
ejif-6816	179	27	then	then	ADV
ejif-6816	179	28	the	the	DET
ejif-6816	179	29	fee	fee	NOUN
ejif-6816	179	30	difference	difference	NOUN
ejif-6816	179	31	can	can	AUX
ejif-6816	179	32	be	be	AUX
ejif-6816	179	33	justified	justify	VERB
ejif-6816	179	34	.	.	PUNCT
ejif-6816	180	1	this	this	PRON
ejif-6816	180	2	implies	imply	VERB
ejif-6816	180	3	that	that	SCONJ
ejif-6816	180	4	the	the	DET
ejif-6816	180	5	cards	card	NOUN
ejif-6816	180	6	that	that	PRON
ejif-6816	180	7	differ	differ	VERB
ejif-6816	180	8	only	only	ADV
ejif-6816	180	9	in	in	ADP
ejif-6816	180	10	credit	credit	NOUN
ejif-6816	180	11	limit	limit	NOUN
ejif-6816	180	12	while	while	SCONJ
ejif-6816	180	13	their	their	PRON
ejif-6816	180	14	services	service	NOUN
ejif-6816	180	15	are	be	AUX
ejif-6816	180	16	the	the	DET
ejif-6816	180	17	same	same	ADJ
ejif-6816	180	18	may	may	AUX
ejif-6816	180	19	not	not	PART
ejif-6816	180	20	vary	vary	VERB
ejif-6816	180	21	in	in	ADP
ejif-6816	180	22	fees	fee	NOUN
ejif-6816	180	23	.	.	PUNCT
ejif-6816	181	1	for	for	ADP
ejif-6816	181	2	example	example	NOUN
ejif-6816	181	3	,	,	PUNCT
ejif-6816	181	4	if	if	SCONJ
ejif-6816	181	5	the	the	DET
ejif-6816	181	6	gold	gold	NOUN
ejif-6816	181	7	-	-	PUNCT
ejif-6816	181	8	branded	brand	VERB
ejif-6816	181	9	credit	credit	NOUN
ejif-6816	181	10	card	card	NOUN
ejif-6816	181	11	has	have	VERB
ejif-6816	181	12	a	a	DET
ejif-6816	181	13	monthly	monthly	ADJ
ejif-6816	181	14	fee	fee	NOUN
ejif-6816	181	15	of	of	ADP
ejif-6816	181	16	200	200	NUM
ejif-6816	181	17	dirhams	dirham	NOUN
ejif-6816	181	18	and	and	CCONJ
ejif-6816	181	19	its	its	PRON
ejif-6816	181	20	credit	credit	NOUN
ejif-6816	181	21	limit	limit	NOUN
ejif-6816	181	22	is	be	AUX
ejif-6816	181	23	25,000	25,000	NUM
ejif-6816	181	24	dirhams	dirham	NOUN
ejif-6816	181	25	,	,	PUNCT
ejif-6816	181	26	while	while	SCONJ
ejif-6816	181	27	the	the	DET
ejif-6816	181	28	platinum	platinum	NOUN
ejif-6816	181	29	-	-	PUNCT
ejif-6816	181	30	branded	brand	VERB
ejif-6816	181	31	credit	credit	NOUN
ejif-6816	181	32	card	card	NOUN
ejif-6816	181	33	has	have	VERB
ejif-6816	181	34	a	a	DET
ejif-6816	181	35	monthly	monthly	ADJ
ejif-6816	181	36	fee	fee	NOUN
ejif-6816	181	37	of	of	ADP
ejif-6816	181	38	400	400	NUM
ejif-6816	181	39	dirhams	dirham	NOUN
ejif-6816	181	40	with	with	ADP
ejif-6816	181	41	a	a	DET
ejif-6816	181	42	credit	credit	NOUN
ejif-6816	181	43	limit	limit	NOUN
ejif-6816	181	44	of	of	ADP
ejif-6816	181	45	50,000	50,000	NUM
ejif-6816	181	46	dirhams	dirham	NOUN
ejif-6816	181	47	,	,	PUNCT
ejif-6816	181	48	and	and	CCONJ
ejif-6816	181	49	there	there	PRON
ejif-6816	181	50	is	be	VERB
ejif-6816	181	51	no	no	DET
ejif-6816	181	52	difference	difference	NOUN
ejif-6816	181	53	in	in	ADP
ejif-6816	181	54	the	the	DET
ejif-6816	181	55	services	service	NOUN
ejif-6816	181	56	offered	offer	VERB
ejif-6816	181	57	by	by	ADP
ejif-6816	181	58	the	the	DET
ejif-6816	181	59	two	two	NUM
ejif-6816	181	60	cards	card	NOUN
ejif-6816	181	61	,	,	PUNCT
ejif-6816	181	62	then	then	ADV
ejif-6816	181	63	the	the	DET
ejif-6816	181	64	difference	difference	NOUN
ejif-6816	181	65	of	of	ADP
ejif-6816	181	66	fee	fee	NOUN
ejif-6816	181	67	can	can	AUX
ejif-6816	181	68	not	not	PART
ejif-6816	181	69	be	be	AUX
ejif-6816	181	70	justified	justify	VERB
ejif-6816	181	71	.	.	PUNCT
ejif-6816	182	1	or	or	CCONJ
ejif-6816	182	2	if	if	SCONJ
ejif-6816	182	3	there	there	PRON
ejif-6816	182	4	is	be	VERB
ejif-6816	182	5	a	a	DET
ejif-6816	182	6	difference	difference	NOUN
ejif-6816	182	7	but	but	CCONJ
ejif-6816	182	8	limited	limit	VERB
ejif-6816	182	9	to	to	ADP
ejif-6816	182	10	a	a	DET
ejif-6816	182	11	restricted	restricted	ADJ
ejif-6816	182	12	number	number	NOUN
ejif-6816	182	13	of	of	ADP
ejif-6816	182	14	complimentary	complimentary	ADJ
ejif-6816	182	15	valet	valet	NOUN
ejif-6816	182	16	car	car	NOUN
ejif-6816	182	17	parking	parking	NOUN
ejif-6816	182	18	per	per	ADP
ejif-6816	182	19	month	month	NOUN
ejif-6816	182	20	,	,	PUNCT
ejif-6816	182	21	for	for	ADP
ejif-6816	182	22	example	example	NOUN
ejif-6816	182	23	,	,	PUNCT
ejif-6816	182	24	and	and	CCONJ
ejif-6816	182	25	the	the	DET
ejif-6816	182	26	monthly	monthly	ADJ
ejif-6816	182	27	market	market	NOUN
ejif-6816	182	28	total	total	NOUN
ejif-6816	182	29	value	value	NOUN
ejif-6816	182	30	of	of	ADP
ejif-6816	182	31	this	this	DET
ejif-6816	182	32	service	service	NOUN
ejif-6816	182	33	is	be	AUX
ejif-6816	182	34	only	only	ADV
ejif-6816	182	35	50	50	NUM
ejif-6816	182	36	dirhams	dirham	NOUN
ejif-6816	182	37	,	,	PUNCT
ejif-6816	182	38	then	then	ADV
ejif-6816	182	39	this	this	PRON
ejif-6816	182	40	makes	make	VERB
ejif-6816	182	41	the	the	DET
ejif-6816	182	42	remaining	remain	VERB
ejif-6816	182	43	amount	amount	NOUN
ejif-6816	182	44	between	between	ADP
ejif-6816	182	45	the	the	DET
ejif-6816	182	46	fees	fee	NOUN
ejif-6816	182	47	(	(	PUNCT
ejif-6816	182	48	150	150	NUM
ejif-6816	182	49	dirhams	dirham	NOUN
ejif-6816	182	50	)	)	PUNCT
ejif-6816	182	51	in	in	ADP
ejif-6816	182	52	return	return	NOUN
ejif-6816	182	53	for	for	ADP
ejif-6816	182	54	the	the	DET
ejif-6816	182	55	extra	extra	ADJ
ejif-6816	182	56	credit	credit	NOUN
ejif-6816	182	57	,	,	PUNCT
ejif-6816	182	58	i.e.	i.e.	X
ejif-6816	182	59	,	,	PUNCT
ejif-6816	182	60	the	the	DET
ejif-6816	182	61	loan	loan	NOUN
ejif-6816	182	62	impermissible	impermissible	ADJ
ejif-6816	182	63	.	.	PUNCT
ejif-6816	183	1	v.	v.	ADP
ejif-6816	183	2	earning	earn	VERB
ejif-6816	183	3	from	from	ADP
ejif-6816	183	4	cash	cash	NOUN
ejif-6816	183	5	withdrawals	withdrawal	NOUN
ejif-6816	183	6	it	it	PRON
ejif-6816	183	7	is	be	AUX
ejif-6816	183	8	impermissible	impermissible	ADJ
ejif-6816	183	9	for	for	SCONJ
ejif-6816	183	10	the	the	DET
ejif-6816	183	11	credit	credit	NOUN
ejif-6816	183	12	card	card	NOUN
ejif-6816	183	13	issuer	issuer	NOUN
ejif-6816	183	14	to	to	PART
ejif-6816	183	15	profit	profit	VERB
ejif-6816	183	16	from	from	ADP
ejif-6816	183	17	cash	cash	NOUN
ejif-6816	183	18	withdrawals	withdrawal	NOUN
ejif-6816	183	19	from	from	ADP
ejif-6816	183	20	atms	atms	NOUN
ejif-6816	183	21	using	use	VERB
ejif-6816	183	22	these	these	DET
ejif-6816	183	23	cards	card	NOUN
ejif-6816	183	24	.	.	PUNCT
ejif-6816	184	1	this	this	PRON
ejif-6816	184	2	is	be	AUX
ejif-6816	184	3	because	because	SCONJ
ejif-6816	184	4	the	the	DET
ejif-6816	184	5	withdrawal	withdrawal	NOUN
ejif-6816	184	6	amount	amount	NOUN
ejif-6816	184	7	is	be	AUX
ejif-6816	184	8	a	a	DET
ejif-6816	184	9	loan	loan	NOUN
ejif-6816	184	10	,	,	PUNCT
ejif-6816	184	11	and	and	CCONJ
ejif-6816	184	12	profiteering	profiteer	VERB
ejif-6816	184	13	from	from	ADP
ejif-6816	184	14	a	a	DET
ejif-6816	184	15	loan	loan	NOUN
ejif-6816	184	16	is	be	AUX
ejif-6816	184	17	riba	riba	PROPN
ejif-6816	184	18	.	.	PUNCT
ejif-6816	185	1	however	however	ADV
ejif-6816	185	2	,	,	PUNCT
ejif-6816	185	3	it	it	PRON
ejif-6816	185	4	is	be	AUX
ejif-6816	185	5	permissible	permissible	ADJ
ejif-6816	185	6	for	for	ADP
ejif-6816	185	7	the	the	DET
ejif-6816	185	8	card	card	NOUN
ejif-6816	185	9	issuer	issuer	NOUN
ejif-6816	185	10	to	to	PART
ejif-6816	185	11	cover	cover	VERB
ejif-6816	185	12	its	its	PRON
ejif-6816	185	13	actual	actual	ADJ
ejif-6816	185	14	withdrawal	withdrawal	NOUN
ejif-6816	185	15	costs	cost	NOUN
ejif-6816	185	16	,	,	PUNCT
ejif-6816	185	17	since	since	SCONJ
ejif-6816	185	18	the	the	DET
ejif-6816	185	19	issuing	issue	VERB
ejif-6816	185	20	bank	bank	NOUN
ejif-6816	185	21	incurs	incur	VERB
ejif-6816	185	22	some	some	DET
ejif-6816	185	23	costs	cost	NOUN
ejif-6816	185	24	for	for	ADP
ejif-6816	185	25	the	the	DET
ejif-6816	185	26	withdrawal	withdrawal	NOUN
ejif-6816	185	27	,	,	PUNCT
ejif-6816	185	28	especially	especially	ADV
ejif-6816	185	29	when	when	SCONJ
ejif-6816	185	30	the	the	DET
ejif-6816	185	31	withdrawal	withdrawal	NOUN
ejif-6816	185	32	occurs	occur	VERB
ejif-6816	185	33	in	in	ADP
ejif-6816	185	34	another	another	DET
ejif-6816	185	35	country	country	NOUN
ejif-6816	185	36	and	and	CCONJ
ejif-6816	185	37	with	with	ADP
ejif-6816	185	38	a	a	DET
ejif-6816	185	39	different	different	ADJ
ejif-6816	185	40	currency	currency	NOUN
ejif-6816	185	41	.	.	PUNCT
ejif-6816	186	1	on	on	ADP
ejif-6816	186	2	top	top	NOUN
ejif-6816	186	3	of	of	ADP
ejif-6816	186	4	that	that	PRON
ejif-6816	186	5	,	,	PUNCT
ejif-6816	186	6	it	it	PRON
ejif-6816	186	7	is	be	AUX
ejif-6816	186	8	permissible	permissible	ADJ
ejif-6816	186	9	for	for	SCONJ
ejif-6816	186	10	the	the	DET
ejif-6816	186	11	card	card	NOUN
ejif-6816	186	12	issuer	issuer	NOUN
ejif-6816	186	13	to	to	PART
ejif-6816	186	14	receive	receive	VERB
ejif-6816	186	15	a	a	DET
ejif-6816	186	16	fee	fee	NOUN
ejif-6816	186	17	for	for	ADP
ejif-6816	186	18	the	the	DET
ejif-6816	186	19	withdrawal	withdrawal	NOUN
ejif-6816	186	20	service	service	NOUN
ejif-6816	186	21	,	,	PUNCT
ejif-6816	186	22	provided	provide	VERB
ejif-6816	186	23	it	it	PRON
ejif-6816	186	24	is	be	AUX
ejif-6816	186	25	no	no	PRON
ejif-6816	186	26	more	more	ADJ
ejif-6816	186	27	than	than	ADP
ejif-6816	186	28	the	the	DET
ejif-6816	186	29	fee	fee	NOUN
ejif-6816	186	30	normally	normally	ADV
ejif-6816	186	31	charged	charge	VERB
ejif-6816	186	32	on	on	ADP
ejif-6816	186	33	debit	debit	NOUN
ejif-6816	186	34	cards	card	NOUN
ejif-6816	186	35	.	.	PUNCT
ejif-6816	187	1	this	this	PRON
ejif-6816	187	2	is	be	AUX
ejif-6816	187	3	to	to	PART
ejif-6816	187	4	ensure	ensure	VERB
ejif-6816	187	5	that	that	SCONJ
ejif-6816	187	6	the	the	DET
ejif-6816	187	7	credit	credit	NOUN
ejif-6816	187	8	provided	provide	VERB
ejif-6816	187	9	with	with	ADP
ejif-6816	187	10	the	the	DET
ejif-6816	187	11	credit	credit	NOUN
ejif-6816	187	12	card	card	NOUN
ejif-6816	187	13	remains	remain	VERB
ejif-6816	187	14	free	free	ADJ
ejif-6816	187	15	of	of	ADP
ejif-6816	187	16	charge	charge	NOUN
ejif-6816	187	17	.	.	PUNCT
ejif-6816	188	1	however	however	ADV
ejif-6816	188	2	,	,	PUNCT
ejif-6816	188	3	when	when	SCONJ
ejif-6816	188	4	a	a	DET
ejif-6816	188	5	withdrawal	withdrawal	NOUN
ejif-6816	188	6	with	with	ADP
ejif-6816	188	7	a	a	DET
ejif-6816	188	8	credit	credit	NOUN
ejif-6816	188	9	card	card	NOUN
ejif-6816	188	10	occurs	occur	VERB
ejif-6816	188	11	in	in	ADP
ejif-6816	188	12	another	another	DET
ejif-6816	188	13	country	country	NOUN
ejif-6816	188	14	,	,	PUNCT
ejif-6816	188	15	it	it	PRON
ejif-6816	188	16	is	be	AUX
ejif-6816	188	17	permissible	permissible	ADJ
ejif-6816	188	18	for	for	ADP
ejif-6816	188	19	the	the	DET
ejif-6816	188	20	issuer	issuer	NOUN
ejif-6816	188	21	to	to	PART
ejif-6816	188	22	take	take	VERB
ejif-6816	188	23	a	a	DET
ejif-6816	188	24	reasonable	reasonable	ADJ
ejif-6816	188	25	commission	commission	NOUN
ejif-6816	188	26	equal	equal	ADJ
ejif-6816	188	27	to	to	ADP
ejif-6816	188	28	the	the	DET
ejif-6816	188	29	usual	usual	ADJ
ejif-6816	188	30	fee	fee	NOUN
ejif-6816	188	31	for	for	ADP
ejif-6816	188	32	exchanging	exchange	VERB
ejif-6816	188	33	and	and	CCONJ
ejif-6816	188	34	transferring	transfer	VERB
ejif-6816	188	35	money	money	NOUN
ejif-6816	188	36	.	.	PUNCT
ejif-6816	189	1	this	this	PRON
ejif-6816	189	2	is	be	AUX
ejif-6816	189	3	because	because	SCONJ
ejif-6816	189	4	the	the	DET
ejif-6816	189	5	bank	bank	NOUN
ejif-6816	189	6	issuing	issue	VERB
ejif-6816	189	7	the	the	DET
ejif-6816	189	8	card	card	NOUN
ejif-6816	189	9	provides	provide	VERB
ejif-6816	189	10	the	the	DET
ejif-6816	189	11	service	service	NOUN
ejif-6816	189	12	of	of	ADP
ejif-6816	189	13	both	both	DET
ejif-6816	189	14	exchanging	exchange	VERB
ejif-6816	189	15	and	and	CCONJ
ejif-6816	189	16	transferring	transfer	VERB
ejif-6816	189	17	money	money	NOUN
ejif-6816	189	18	in	in	ADP
ejif-6816	189	19	this	this	DET
ejif-6816	189	20	case	case	NOUN
ejif-6816	189	21	.	.	PUNCT
ejif-6816	190	1	in	in	ADP
ejif-6816	190	2	this	this	DET
ejif-6816	190	3	regard	regard	NOUN
ejif-6816	190	4	,	,	PUNCT
ejif-6816	190	5	oic	oic	PROPN
ejif-6816	190	6	fiqh	fiqh	PROPN
ejif-6816	190	7	academy	academy	PROPN
ejif-6816	190	8	,	,	PUNCT
ejif-6816	190	9	in	in	ADP
ejif-6816	190	10	its	its	PRON
ejif-6816	190	11	resolution	resolution	NOUN
ejif-6816	190	12	no	no	NOUN
ejif-6816	190	13	.	.	PROPN
ejif-6816	190	14	108	108	NUM
ejif-6816	190	15	(	(	PUNCT
ejif-6816	190	16	2/12	2/12	NUM
ejif-6816	190	17	)	)	PUNCT
ejif-6816	190	18	ruled	rule	VERB
ejif-6816	190	19	that	that	SCONJ
ejif-6816	190	20	:	:	PUNCT
ejif-6816	190	21	“	"	PUNCT
ejif-6816	190	22	cash	cash	NOUN
ejif-6816	190	23	withdrawal	withdrawal	NOUN
ejif-6816	190	24	by	by	ADP
ejif-6816	190	25	the	the	DET
ejif-6816	190	26	cardholder	cardholder	NOUN
ejif-6816	190	27	is	be	AUX
ejif-6816	190	28	a	a	DET
ejif-6816	190	29	loan	loan	NOUN
ejif-6816	190	30	from	from	ADP
ejif-6816	190	31	the	the	DET
ejif-6816	190	32	issuer	issuer	NOUN
ejif-6816	190	33	,	,	PUNCT
ejif-6816	190	34	and	and	CCONJ
ejif-6816	190	35	it	it	PRON
ejif-6816	190	36	raises	raise	VERB
ejif-6816	190	37	no	no	DET
ejif-6816	190	38	shariah	shariah	PROPN
ejif-6816	190	39	objection	objection	NOUN
ejif-6816	190	40	if	if	SCONJ
ejif-6816	190	41	there	there	PRON
ejif-6816	190	42	is	be	VERB
ejif-6816	190	43	no	no	DET
ejif-6816	190	44	ribawi	ribawi	NOUN
ejif-6816	190	45	increment	increment	NOUN
ejif-6816	190	46	.	.	PUNCT
ejif-6816	191	1	not	not	PART
ejif-6816	191	2	included	include	VERB
ejif-6816	191	3	are	be	AUX
ejif-6816	191	4	flat	flat	ADJ
ejif-6816	191	5	fees	fee	NOUN
ejif-6816	191	6	in	in	ADP
ejif-6816	191	7	return	return	NOUN
ejif-6816	191	8	for	for	ADP
ejif-6816	191	9	this	this	DET
ejif-6816	191	10	service	service	NOUN
ejif-6816	191	11	and	and	CCONJ
ejif-6816	191	12	not	not	PART
ejif-6816	191	13	related	relate	VERB
ejif-6816	191	14	to	to	ADP
ejif-6816	191	15	the	the	DET
ejif-6816	191	16	amount	amount	NOUN
ejif-6816	191	17	of	of	ADP
ejif-6816	191	18	the	the	DET
ejif-6816	191	19	loan	loan	NOUN
ejif-6816	191	20	or	or	CCONJ
ejif-6816	191	21	its	its	PRON
ejif-6816	191	22	period	period	NOUN
ejif-6816	191	23	,	,	PUNCT
ejif-6816	191	24	but	but	CCONJ
ejif-6816	191	25	any	any	DET
ejif-6816	191	26	increment	increment	NOUN
ejif-6816	191	27	above	above	ADP
ejif-6816	191	28	actual	actual	ADJ
ejif-6816	191	29	service	service	NOUN
ejif-6816	191	30	is	be	AUX
ejif-6816	191	31	impermissible	impermissible	ADJ
ejif-6816	191	32	and	and	CCONJ
ejif-6816	191	33	is	be	AUX
ejif-6816	191	34	riba	riba	PROPN
ejif-6816	191	35	”	"	PUNCT
ejif-6816	191	36	.	.	PUNCT
ejif-6816	192	1	in	in	ADP
ejif-6816	192	2	this	this	DET
ejif-6816	192	3	regard	regard	NOUN
ejif-6816	192	4	,	,	PUNCT
ejif-6816	192	5	it	it	PRON
ejif-6816	192	6	is	be	AUX
ejif-6816	192	7	worth	worth	ADJ
ejif-6816	192	8	noting	note	VERB
ejif-6816	192	9	that	that	SCONJ
ejif-6816	192	10	aaoifi	aaoifi	PROPN
ejif-6816	192	11	shariah	shariah	PROPN
ejif-6816	192	12	standard	standard	PROPN
ejif-6816	192	13	no	no	INTJ
ejif-6816	192	14	.	.	NOUN
ejif-6816	192	15	2	2	NUM
ejif-6816	192	16	(	(	PUNCT
ejif-6816	192	17	4/5	4/5	NOUN
ejif-6816	192	18	)	)	PUNCT
ejif-6816	192	19	also	also	ADV
ejif-6816	192	20	allows	allow	VERB
ejif-6816	192	21	the	the	DET
ejif-6816	192	22	issuer	issuer	NOUN
ejif-6816	192	23	to	to	PART
ejif-6816	192	24	charge	charge	VERB
ejif-6816	192	25	a	a	DET
ejif-6816	192	26	flat	flat	ADJ
ejif-6816	192	27	fee	fee	NOUN
ejif-6816	192	28	against	against	ADP
ejif-6816	192	29	the	the	DET
ejif-6816	192	30	service	service	NOUN
ejif-6816	192	31	of	of	ADP
ejif-6816	192	32	cash	cash	NOUN
ejif-6816	192	33	withdrawal	withdrawal	NOUN
ejif-6816	192	34	,	,	PUNCT
ejif-6816	192	35	but	but	CCONJ
ejif-6816	192	36	it	it	PRON
ejif-6816	192	37	does	do	AUX
ejif-6816	192	38	not	not	PART
ejif-6816	192	39	restrict	restrict	VERB
ejif-6816	192	40	the	the	DET
ejif-6816	192	41	permissibility	permissibility	NOUN
ejif-6816	192	42	of	of	ADP
ejif-6816	192	43	being	be	AUX
ejif-6816	192	44	against	against	ADP
ejif-6816	192	45	the	the	DET
ejif-6816	192	46	actual	actual	ADJ
ejif-6816	192	47	service	service	NOUN
ejif-6816	192	48	.	.	PUNCT
ejif-6816	193	1	vi	vi	X
ejif-6816	193	2	.	.	NOUN
ejif-6816	194	1	using	use	VERB
ejif-6816	194	2	a	a	DET
ejif-6816	194	3	conventional	conventional	ADJ
ejif-6816	194	4	credit	credit	NOUN
ejif-6816	194	5	card	card	NOUN
ejif-6816	194	6	when	when	SCONJ
ejif-6816	194	7	no	no	DET
ejif-6816	194	8	real	real	ADJ
ejif-6816	194	9	islamic	islamic	ADJ
ejif-6816	194	10	alternative	alternative	NOUN
ejif-6816	194	11	is	be	AUX
ejif-6816	194	12	available	available	ADJ
ejif-6816	194	13	the	the	DET
ejif-6816	194	14	problem	problem	NOUN
ejif-6816	194	15	with	with	ADP
ejif-6816	194	16	conventional	conventional	ADJ
ejif-6816	194	17	credit	credit	NOUN
ejif-6816	194	18	cards	card	NOUN
ejif-6816	194	19	is	be	AUX
ejif-6816	194	20	that	that	SCONJ
ejif-6816	194	21	riba	riba	PROPN
ejif-6816	194	22	is	be	AUX
ejif-6816	194	23	conditioned	condition	VERB
ejif-6816	194	24	and	and	CCONJ
ejif-6816	194	25	paid	pay	VERB
ejif-6816	194	26	if	if	SCONJ
ejif-6816	194	27	the	the	DET
ejif-6816	194	28	cardholder	cardholder	NOUN
ejif-6816	194	29	delays	delay	VERB
ejif-6816	194	30	repayment	repayment	NOUN
ejif-6816	194	31	.	.	PUNCT
ejif-6816	195	1	payment	payment	NOUN
ejif-6816	195	2	of	of	ADP
ejif-6816	195	3	riba	riba	PROPN
ejif-6816	195	4	is	be	AUX
ejif-6816	195	5	a	a	DET
ejif-6816	195	6	grave	grave	ADJ
ejif-6816	195	7	issue	issue	NOUN
ejif-6816	195	8	that	that	PRON
ejif-6816	195	9	is	be	AUX
ejif-6816	195	10	only	only	ADV
ejif-6816	195	11	permitted	permit	VERB
ejif-6816	195	12	in	in	ADP
ejif-6816	195	13	cases	case	NOUN
ejif-6816	195	14	of	of	ADP
ejif-6816	195	15	dire	dire	ADJ
ejif-6816	195	16	necessity	necessity	NOUN
ejif-6816	195	17	.	.	PUNCT
ejif-6816	196	1	however	however	ADV
ejif-6816	196	2	,	,	PUNCT
ejif-6816	196	3	if	if	SCONJ
ejif-6816	196	4	the	the	DET
ejif-6816	196	5	cardholder	cardholder	NOUN
ejif-6816	196	6	takes	take	VERB
ejif-6816	196	7	necessary	necessary	ADJ
ejif-6816	196	8	precautions	precaution	NOUN
ejif-6816	196	9	to	to	PART
ejif-6816	196	10	avoid	avoid	VERB
ejif-6816	196	11	payment	payment	NOUN
ejif-6816	196	12	of	of	ADP
ejif-6816	196	13	riba	riba	NOUN
ejif-6816	196	14	by	by	ADP
ejif-6816	196	15	keeping	keep	VERB
ejif-6816	196	16	his	his	PRON
ejif-6816	196	17	expenditures	expenditure	NOUN
ejif-6816	196	18	within	within	ADP
ejif-6816	196	19	his	his	PRON
ejif-6816	196	20	budget	budget	NOUN
ejif-6816	196	21	and	and	CCONJ
ejif-6816	196	22	opting	opt	VERB
ejif-6816	196	23	for	for	ADP
ejif-6816	196	24	automatic	automatic	ADJ
ejif-6816	196	25	deductions	deduction	NOUN
ejif-6816	196	26	of	of	ADP
ejif-6816	196	27	the	the	DET
ejif-6816	196	28	credit	credit	NOUN
ejif-6816	196	29	used	use	VERB
ejif-6816	196	30	from	from	ADP
ejif-6816	196	31	his	his	PRON
ejif-6816	196	32	bank	bank	NOUN
ejif-6816	196	33	account	account	NOUN
ejif-6816	196	34	,	,	PUNCT
ejif-6816	196	35	then	then	ADV
ejif-6816	196	36	the	the	DET
ejif-6816	196	37	only	only	ADJ
ejif-6816	196	38	matter	matter	NOUN
ejif-6816	196	39	that	that	PRON
ejif-6816	196	40	remains	remain	VERB
ejif-6816	196	41	contested	contest	VERB
ejif-6816	196	42	is	be	AUX
ejif-6816	196	43	his	his	PRON
ejif-6816	196	44	implicit	implicit	ADJ
ejif-6816	196	45	agreement	agreement	NOUN
ejif-6816	196	46	to	to	ADP
ejif-6816	196	47	payment	payment	NOUN
ejif-6816	196	48	of	of	ADP
ejif-6816	196	49	riba	riba	PROPN
ejif-6816	196	50	.	.	PUNCT
ejif-6816	197	1	the	the	DET
ejif-6816	197	2	cardholder	cardholder	NOUN
ejif-6816	197	3	receives	receive	VERB
ejif-6816	197	4	the	the	DET
ejif-6816	197	5	card	card	NOUN
ejif-6816	197	6	after	after	ADP
ejif-6816	197	7	undertaking	undertake	VERB
ejif-6816	197	8	to	to	PART
ejif-6816	197	9	pay	pay	VERB
ejif-6816	197	10	riba	riba	NOUN
ejif-6816	197	11	if	if	SCONJ
ejif-6816	197	12	he	he	PRON
ejif-6816	197	13	delays	delay	VERB
ejif-6816	197	14	the	the	DET
ejif-6816	197	15	repayment	repayment	NOUN
ejif-6816	197	16	,	,	PUNCT
ejif-6816	197	17	and	and	CCONJ
ejif-6816	197	18	as	as	ADP
ejif-6816	197	19	such	such	ADJ
ejif-6816	197	20	,	,	PUNCT
ejif-6816	197	21	he	he	PRON
ejif-6816	197	22	is	be	AUX
ejif-6816	197	23	entering	enter	VERB
ejif-6816	197	24	into	into	ADP
ejif-6816	197	25	a	a	DET
ejif-6816	197	26	fundamentally	fundamentally	ADV
ejif-6816	197	27	impermissible	impermissible	ADJ
ejif-6816	197	28	contract	contract	NOUN
ejif-6816	197	29	.	.	PUNCT
ejif-6816	198	1	however	however	ADV
ejif-6816	198	2	,	,	PUNCT
ejif-6816	198	3	the	the	DET
ejif-6816	198	4	following	follow	VERB
ejif-6816	198	5	considerations	consideration	NOUN
ejif-6816	198	6	might	might	AUX
ejif-6816	198	7	help	help	VERB
ejif-6816	198	8	ease	ease	VERB
ejif-6816	198	9	this	this	DET
ejif-6816	198	10	particular	particular	ADJ
ejif-6816	198	11	concern	concern	NOUN
ejif-6816	198	12	:	:	PUNCT
ejif-6816	198	13	1	1	X
ejif-6816	198	14	)	)	PUNCT
ejif-6816	198	15	there	there	PRON
ejif-6816	198	16	needs	need	VERB
ejif-6816	198	17	to	to	PART
ejif-6816	198	18	be	be	AUX
ejif-6816	198	19	a	a	DET
ejif-6816	198	20	genuinely	genuinely	ADV
ejif-6816	198	21	legitimate	legitimate	ADJ
ejif-6816	198	22	islamic	islamic	ADJ
ejif-6816	198	23	alternative	alternative	NOUN
ejif-6816	198	24	that	that	PRON
ejif-6816	198	25	overcomes	overcome	VERB
ejif-6816	198	26	the	the	DET
ejif-6816	198	27	riba	riba	PROPN
ejif-6816	198	28	problem	problem	NOUN
ejif-6816	198	29	in	in	ADP
ejif-6816	198	30	credit	credit	NOUN
ejif-6816	198	31	cards	card	NOUN
ejif-6816	198	32	.	.	PUNCT
ejif-6816	199	1	2	2	X
ejif-6816	199	2	)	)	PUNCT
ejif-6816	199	3	the	the	DET
ejif-6816	199	4	undertaking	undertaking	NOUN
ejif-6816	199	5	to	to	PART
ejif-6816	199	6	pay	pay	VERB
ejif-6816	199	7	riba	riba	PROPN
ejif-6816	199	8	is	be	AUX
ejif-6816	199	9	an	an	DET
ejif-6816	199	10	enforced	enforce	VERB
ejif-6816	199	11	condition	condition	NOUN
ejif-6816	199	12	(	(	PUNCT
ejif-6816	199	13	shart	shart	PROPN
ejif-6816	199	14	ith’āni	ith’āni	PROPN
ejif-6816	199	15	)	)	PUNCT
ejif-6816	199	16	that	that	PRON
ejif-6816	199	17	can	can	AUX
ejif-6816	199	18	not	not	PART
ejif-6816	199	19	be	be	AUX
ejif-6816	199	20	changed	change	VERB
ejif-6816	199	21	or	or	CCONJ
ejif-6816	199	22	dropped	drop	VERB
ejif-6816	199	23	by	by	ADP
ejif-6816	199	24	the	the	DET
ejif-6816	199	25	subscriber	subscriber	NOUN
ejif-6816	199	26	,	,	PUNCT
ejif-6816	199	27	and	and	CCONJ
ejif-6816	199	28	it	it	PRON
ejif-6816	199	29	is	be	AUX
ejif-6816	199	30	of	of	ADP
ejif-6816	199	31	no	no	DET
ejif-6816	199	32	consequence	consequence	NOUN
ejif-6816	199	33	if	if	SCONJ
ejif-6816	199	34	the	the	DET
ejif-6816	199	35	cardholder	cardholder	NOUN
ejif-6816	199	36	always	always	ADV
ejif-6816	199	37	pays	pay	VERB
ejif-6816	199	38	during	during	ADP
ejif-6816	199	39	the	the	DET
ejif-6816	199	40	grace	grace	NOUN
ejif-6816	199	41	period	period	NOUN
ejif-6816	199	42	.	.	PUNCT
ejif-6816	200	1	3	3	X
ejif-6816	200	2	)	)	PUNCT
ejif-6816	200	3	many	many	ADJ
ejif-6816	200	4	people	people	NOUN
ejif-6816	200	5	in	in	ADP
ejif-6816	200	6	our	our	PRON
ejif-6816	200	7	time	time	NOUN
ejif-6816	200	8	need	need	VERB
ejif-6816	200	9	credit	credit	NOUN
ejif-6816	200	10	cards	card	NOUN
ejif-6816	200	11	to	to	PART
ejif-6816	200	12	buy	buy	VERB
ejif-6816	200	13	goods	good	NOUN
ejif-6816	200	14	and	and	CCONJ
ejif-6816	200	15	services	service	NOUN
ejif-6816	200	16	that	that	PRON
ejif-6816	200	17	may	may	AUX
ejif-6816	200	18	not	not	PART
ejif-6816	200	19	be	be	AUX
ejif-6816	200	20	possible	possible	ADJ
ejif-6816	200	21	through	through	ADP
ejif-6816	200	22	other	other	ADJ
ejif-6816	200	23	means	mean	NOUN
ejif-6816	200	24	or	or	CCONJ
ejif-6816	200	25	for	for	ADP
ejif-6816	200	26	the	the	DET
ejif-6816	200	27	same	same	ADJ
ejif-6816	200	28	price	price	NOUN
ejif-6816	200	29	.	.	PUNCT
ejif-6816	201	1	this	this	PRON
ejif-6816	201	2	is	be	AUX
ejif-6816	201	3	european	european	ADJ
ejif-6816	201	4	journal	journal	PROPN
ejif-6816	201	5	of	of	ADP
ejif-6816	201	6	islamic	islamic	PROPN
ejif-6816	201	7	finance	finance	PROPN
ejif-6816	201	8	issn	issn	PROPN
ejif-6816	201	9	:	:	PUNCT
ejif-6816	201	10	2421	2421	NUM
ejif-6816	201	11	-	-	SYM
ejif-6816	201	12	2172	2172	NUM
ejif-6816	201	13	doi	doi	NOUN
ejif-6816	201	14	:	:	PUNCT
ejif-6816	201	15	10.13135/2421	10.13135/2421	NUM
ejif-6816	201	16	-	-	SYM
ejif-6816	201	17	2172/6816	2172/6816	NUM
ejif-6816	201	18	published	publish	VERB
ejif-6816	201	19	by	by	ADP
ejif-6816	201	20	the	the	DET
ejif-6816	201	21	university	university	PROPN
ejif-6816	201	22	of	of	ADP
ejif-6816	201	23	turin	turin	PROPN
ejif-6816	202	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	202	2	ejif	ejif	PROPN
ejif-6816	202	3	content	content	NOUN
ejif-6816	202	4	is	be	AUX
ejif-6816	202	5	licensed	license	VERB
ejif-6816	202	6	under	under	ADP
ejif-6816	202	7	a	a	DET
ejif-6816	202	8	creative	creative	ADJ
ejif-6816	202	9	commons	common	NOUN
ejif-6816	202	10	attribution	attribution	NOUN
ejif-6816	202	11	4.0	4.0	NUM
ejif-6816	202	12	international	international	ADJ
ejif-6816	202	13	license	license	NOUN
ejif-6816	202	14	received	receive	VERB
ejif-6816	202	15	:	:	PUNCT
ejif-6816	202	16	08/06/2022	08/06/2022	NOUN
ejif-6816	202	17	accepted	accept	VERB
ejif-6816	202	18	for	for	ADP
ejif-6816	202	19	publication	publication	NOUN
ejif-6816	202	20	:	:	PUNCT
ejif-6816	202	21	18/11/2022	18/11/2022	NUM
ejif-6816	202	22	published	publish	VERB
ejif-6816	202	23	:	:	PUNCT
ejif-6816	202	24	29/12/2022	29/12/2022	NUM
ejif-6816	202	25	19	19	NUM
ejif-6816	202	26	in	in	ADP
ejif-6816	202	27	addition	addition	NOUN
ejif-6816	202	28	to	to	ADP
ejif-6816	202	29	the	the	DET
ejif-6816	202	30	inconveniences	inconvenience	NOUN
ejif-6816	202	31	associated	associate	VERB
ejif-6816	202	32	with	with	ADP
ejif-6816	202	33	carrying	carry	VERB
ejif-6816	202	34	cash	cash	NOUN
ejif-6816	202	35	especially	especially	ADV
ejif-6816	202	36	given	give	VERB
ejif-6816	202	37	the	the	DET
ejif-6816	202	38	risk	risk	NOUN
ejif-6816	202	39	involved	involve	VERB
ejif-6816	202	40	,	,	PUNCT
ejif-6816	202	41	particularly	particularly	ADV
ejif-6816	202	42	for	for	ADP
ejif-6816	202	43	travellers	traveller	NOUN
ejif-6816	202	44	.	.	PUNCT
ejif-6816	203	1	nevertheless	nevertheless	ADV
ejif-6816	203	2	,	,	PUNCT
ejif-6816	203	3	if	if	SCONJ
ejif-6816	203	4	a	a	DET
ejif-6816	203	5	card	card	NOUN
ejif-6816	203	6	that	that	PRON
ejif-6816	203	7	performs	perform	VERB
ejif-6816	203	8	the	the	DET
ejif-6816	203	9	roles	role	NOUN
ejif-6816	203	10	of	of	ADP
ejif-6816	203	11	a	a	DET
ejif-6816	203	12	credit	credit	NOUN
ejif-6816	203	13	card	card	NOUN
ejif-6816	203	14	comes	come	VERB
ejif-6816	203	15	to	to	PART
ejif-6816	203	16	exist	exist	VERB
ejif-6816	203	17	,	,	PUNCT
ejif-6816	203	18	and	and	CCONJ
ejif-6816	203	19	it	it	PRON
ejif-6816	203	20	is	be	AUX
ejif-6816	203	21	free	free	ADJ
ejif-6816	203	22	from	from	ADP
ejif-6816	203	23	the	the	DET
ejif-6816	203	24	credit	credit	NOUN
ejif-6816	203	25	,	,	PUNCT
ejif-6816	203	26	i.e.	i.e.	X
ejif-6816	203	27	,	,	PUNCT
ejif-6816	203	28	a	a	DET
ejif-6816	203	29	loan	loan	NOUN
ejif-6816	203	30	,	,	PUNCT
ejif-6816	203	31	it	it	PRON
ejif-6816	203	32	must	must	AUX
ejif-6816	203	33	be	be	AUX
ejif-6816	203	34	used	use	VERB
ejif-6816	203	35	instead	instead	ADV
ejif-6816	203	36	.	.	PUNCT
ejif-6816	204	1	according	accord	VERB
ejif-6816	204	2	to	to	ADP
ejif-6816	204	3	oic	oic	PROPN
ejif-6816	204	4	fiqh	fiqh	PROPN
ejif-6816	204	5	academy	academy	PROPN
ejif-6816	204	6	resolution	resolution	NOUN
ejif-6816	204	7	no	no	INTJ
ejif-6816	204	8	.	.	NOUN
ejif-6816	204	9	139	139	NUM
ejif-6816	204	10	(	(	PUNCT
ejif-6816	204	11	5/15	5/15	NUM
ejif-6816	204	12	)	)	PUNCT
ejif-6816	204	13	,	,	PUNCT
ejif-6816	204	14	using	use	VERB
ejif-6816	204	15	a	a	DET
ejif-6816	204	16	(	(	PUNCT
ejif-6816	204	17	debit	debit	NOUN
ejif-6816	204	18	)	)	PUNCT
ejif-6816	204	19	card	card	NOUN
ejif-6816	204	20	that	that	PRON
ejif-6816	204	21	does	do	AUX
ejif-6816	204	22	not	not	PART
ejif-6816	204	23	involve	involve	VERB
ejif-6816	204	24	credit	credit	NOUN
ejif-6816	204	25	is	be	AUX
ejif-6816	204	26	lawful	lawful	ADJ
ejif-6816	204	27	even	even	ADV
ejif-6816	204	28	if	if	SCONJ
ejif-6816	204	29	issued	issue	VERB
ejif-6816	204	30	by	by	ADP
ejif-6816	204	31	a	a	DET
ejif-6816	204	32	conventional	conventional	ADJ
ejif-6816	204	33	financial	financial	ADJ
ejif-6816	204	34	institution	institution	NOUN
ejif-6816	204	35	.	.	PUNCT
ejif-6816	205	1	to	to	PART
ejif-6816	205	2	explain	explain	VERB
ejif-6816	205	3	further	far	ADV
ejif-6816	205	4	,	,	PUNCT
ejif-6816	205	5	if	if	SCONJ
ejif-6816	205	6	a	a	DET
ejif-6816	205	7	debit	debit	NOUN
ejif-6816	205	8	card	card	NOUN
ejif-6816	205	9	performs	perform	VERB
ejif-6816	205	10	the	the	DET
ejif-6816	205	11	main	main	ADJ
ejif-6816	205	12	functions	function	NOUN
ejif-6816	205	13	of	of	ADP
ejif-6816	205	14	a	a	DET
ejif-6816	205	15	credit	credit	NOUN
ejif-6816	205	16	card	card	NOUN
ejif-6816	205	17	,	,	PUNCT
ejif-6816	205	18	it	it	PRON
ejif-6816	205	19	should	should	AUX
ejif-6816	205	20	be	be	AUX
ejif-6816	205	21	used	use	VERB
ejif-6816	205	22	instead	instead	ADV
ejif-6816	205	23	,	,	PUNCT
ejif-6816	205	24	since	since	SCONJ
ejif-6816	205	25	there	there	PRON
ejif-6816	205	26	will	will	AUX
ejif-6816	205	27	be	be	AUX
ejif-6816	205	28	no	no	DET
ejif-6816	205	29	justification	justification	NOUN
ejif-6816	205	30	then	then	ADV
ejif-6816	205	31	to	to	PART
ejif-6816	205	32	use	use	VERB
ejif-6816	205	33	a	a	DET
ejif-6816	205	34	credit	credit	NOUN
ejif-6816	205	35	card	card	NOUN
ejif-6816	205	36	and	and	CCONJ
ejif-6816	205	37	bear	bear	VERB
ejif-6816	205	38	the	the	DET
ejif-6816	205	39	cautions	caution	NOUN
ejif-6816	205	40	that	that	PRON
ejif-6816	205	41	come	come	VERB
ejif-6816	205	42	with	with	ADP
ejif-6816	205	43	it	it	PRON
ejif-6816	205	44	.	.	PUNCT
ejif-6816	206	1	those	those	DET
ejif-6816	206	2	cautions	caution	NOUN
ejif-6816	206	3	relate	relate	VERB
ejif-6816	206	4	to	to	ADP
ejif-6816	206	5	the	the	DET
ejif-6816	206	6	possibility	possibility	NOUN
ejif-6816	206	7	of	of	ADP
ejif-6816	206	8	paying	pay	VERB
ejif-6816	206	9	riba	riba	PROPN
ejif-6816	206	10	eventually	eventually	ADV
ejif-6816	206	11	and	and	CCONJ
ejif-6816	206	12	encouraging	encourage	VERB
ejif-6816	206	13	people	people	NOUN
ejif-6816	206	14	to	to	PART
ejif-6816	206	15	buy	buy	VERB
ejif-6816	206	16	non	non	ADJ
ejif-6816	206	17	-	-	NOUN
ejif-6816	206	18	necessities	necessity	NOUN
ejif-6816	206	19	using	use	VERB
ejif-6816	206	20	others	other	NOUN
ejif-6816	206	21	’	’	PART
ejif-6816	206	22	money	money	NOUN
ejif-6816	206	23	while	while	SCONJ
ejif-6816	206	24	incurring	incur	VERB
ejif-6816	206	25	unnecessary	unnecessary	ADJ
ejif-6816	206	26	debts	debt	NOUN
ejif-6816	206	27	.	.	PUNCT
ejif-6816	207	1	all	all	DET
ejif-6816	207	2	these	these	PRON
ejif-6816	207	3	contradict	contradict	VERB
ejif-6816	207	4	the	the	DET
ejif-6816	207	5	higher	high	ADJ
ejif-6816	207	6	economic	economic	ADJ
ejif-6816	207	7	objectives	objective	NOUN
ejif-6816	207	8	of	of	ADP
ejif-6816	207	9	the	the	DET
ejif-6816	207	10	islamic	islamic	ADJ
ejif-6816	207	11	shariah	shariah	PROPN
ejif-6816	207	12	and	and	CCONJ
ejif-6816	207	13	function	function	VERB
ejif-6816	207	14	against	against	ADP
ejif-6816	207	15	its	its	PRON
ejif-6816	207	16	principles	principle	NOUN
ejif-6816	207	17	in	in	ADP
ejif-6816	207	18	moderation	moderation	NOUN
ejif-6816	207	19	in	in	ADP
ejif-6816	207	20	spending	spending	NOUN
ejif-6816	207	21	and	and	CCONJ
ejif-6816	207	22	debt	debt	NOUN
ejif-6816	207	23	incurring	incur	VERB
ejif-6816	207	24	.	.	PUNCT
ejif-6816	208	1	vii	vii	PROPN
ejif-6816	208	2	.	.	PROPN
ejif-6816	208	3	conclusion	conclusion	NOUN
ejif-6816	208	4	in	in	ADP
ejif-6816	208	5	conclusion	conclusion	NOUN
ejif-6816	208	6	,	,	PUNCT
ejif-6816	208	7	structuring	structure	VERB
ejif-6816	208	8	a	a	DET
ejif-6816	208	9	credit	credit	NOUN
ejif-6816	208	10	card	card	NOUN
ejif-6816	208	11	that	that	PRON
ejif-6816	208	12	is	be	AUX
ejif-6816	208	13	compliant	compliant	ADJ
ejif-6816	208	14	with	with	ADP
ejif-6816	208	15	islamic	islamic	ADJ
ejif-6816	208	16	law	law	NOUN
ejif-6816	208	17	and	and	CCONJ
ejif-6816	208	18	in	in	ADP
ejif-6816	208	19	a	a	DET
ejif-6816	208	20	way	way	NOUN
ejif-6816	208	21	that	that	PRON
ejif-6816	208	22	is	be	AUX
ejif-6816	208	23	profitable	profitable	ADJ
ejif-6816	208	24	to	to	ADP
ejif-6816	208	25	the	the	DET
ejif-6816	208	26	issuing	issue	VERB
ejif-6816	208	27	party	party	NOUN
ejif-6816	208	28	is	be	AUX
ejif-6816	208	29	possible	possible	ADJ
ejif-6816	208	30	in	in	ADP
ejif-6816	208	31	principle	principle	NOUN
ejif-6816	208	32	.	.	PUNCT
ejif-6816	209	1	the	the	DET
ejif-6816	209	2	way	way	NOUN
ejif-6816	209	3	is	be	AUX
ejif-6816	209	4	to	to	PART
ejif-6816	209	5	charge	charge	VERB
ejif-6816	209	6	a	a	DET
ejif-6816	209	7	fee	fee	NOUN
ejif-6816	209	8	for	for	ADP
ejif-6816	209	9	the	the	DET
ejif-6816	209	10	services	service	NOUN
ejif-6816	209	11	associated	associate	VERB
ejif-6816	209	12	with	with	ADP
ejif-6816	209	13	this	this	DET
ejif-6816	209	14	card	card	NOUN
ejif-6816	209	15	but	but	CCONJ
ejif-6816	209	16	considering	consider	VERB
ejif-6816	209	17	that	that	SCONJ
ejif-6816	209	18	this	this	DET
ejif-6816	209	19	fee	fee	NOUN
ejif-6816	209	20	must	must	AUX
ejif-6816	209	21	not	not	PART
ejif-6816	209	22	be	be	AUX
ejif-6816	209	23	against	against	ADP
ejif-6816	209	24	the	the	DET
ejif-6816	209	25	loan	loan	NOUN
ejif-6816	209	26	granted	grant	VERB
ejif-6816	209	27	with	with	ADP
ejif-6816	209	28	the	the	DET
ejif-6816	209	29	card	card	NOUN
ejif-6816	209	30	.	.	PUNCT
ejif-6816	210	1	therefore	therefore	ADV
ejif-6816	210	2	,	,	PUNCT
ejif-6816	210	3	two	two	NUM
ejif-6816	210	4	conditions	condition	NOUN
ejif-6816	210	5	must	must	AUX
ejif-6816	210	6	apply	apply	VERB
ejif-6816	210	7	:	:	PUNCT
ejif-6816	210	8	the	the	DET
ejif-6816	210	9	fee	fee	NOUN
ejif-6816	210	10	should	should	AUX
ejif-6816	210	11	be	be	AUX
ejif-6816	210	12	equal	equal	ADJ
ejif-6816	210	13	to	to	ADP
ejif-6816	210	14	the	the	DET
ejif-6816	210	15	market	market	NOUN
ejif-6816	210	16	value	value	NOUN
ejif-6816	210	17	of	of	ADP
ejif-6816	210	18	these	these	DET
ejif-6816	210	19	services	service	NOUN
ejif-6816	210	20	,	,	PUNCT
ejif-6816	210	21	and	and	CCONJ
ejif-6816	210	22	it	it	PRON
ejif-6816	210	23	should	should	AUX
ejif-6816	210	24	not	not	PART
ejif-6816	210	25	increase	increase	VERB
ejif-6816	210	26	with	with	ADP
ejif-6816	210	27	the	the	DET
ejif-6816	210	28	credit	credit	NOUN
ejif-6816	210	29	limit	limit	NOUN
ejif-6816	210	30	of	of	ADP
ejif-6816	210	31	the	the	DET
ejif-6816	210	32	card	card	NOUN
ejif-6816	210	33	unless	unless	SCONJ
ejif-6816	210	34	coupled	couple	VERB
ejif-6816	210	35	with	with	ADP
ejif-6816	210	36	additional	additional	ADJ
ejif-6816	210	37	services	service	NOUN
ejif-6816	210	38	whose	whose	DET
ejif-6816	210	39	market	market	NOUN
ejif-6816	210	40	value	value	NOUN
ejif-6816	210	41	equals	equal	VERB
ejif-6816	210	42	this	this	DET
ejif-6816	210	43	difference	difference	NOUN
ejif-6816	210	44	in	in	ADP
ejif-6816	210	45	the	the	DET
ejif-6816	210	46	fee	fee	NOUN
ejif-6816	210	47	.	.	PUNCT
ejif-6816	211	1	islamic	islamic	ADJ
ejif-6816	211	2	financial	financial	ADJ
ejif-6816	211	3	instruments	instrument	NOUN
ejif-6816	211	4	require	require	VERB
ejif-6816	211	5	both	both	PRON
ejif-6816	211	6	strengthened	strengthen	VERB
ejif-6816	211	7	accounting	accounting	NOUN
ejif-6816	211	8	standards	standard	NOUN
ejif-6816	211	9	and	and	CCONJ
ejif-6816	211	10	more	more	ADJ
ejif-6816	211	11	expertise	expertise	NOUN
ejif-6816	211	12	and	and	CCONJ
ejif-6816	211	13	qualified	qualified	ADJ
ejif-6816	211	14	people	people	NOUN
ejif-6816	211	15	,	,	PUNCT
ejif-6816	211	16	and	and	CCONJ
ejif-6816	211	17	many	many	ADJ
ejif-6816	211	18	efforts	effort	NOUN
ejif-6816	211	19	are	be	AUX
ejif-6816	211	20	needed	need	VERB
ejif-6816	211	21	to	to	PART
ejif-6816	211	22	raise	raise	VERB
ejif-6816	211	23	awareness	awareness	NOUN
ejif-6816	211	24	of	of	ADP
ejif-6816	211	25	such	such	ADJ
ejif-6816	211	26	instruments	instrument	NOUN
ejif-6816	211	27	.	.	PUNCT
ejif-6816	212	1	the	the	DET
ejif-6816	212	2	paper	paper	NOUN
ejif-6816	212	3	also	also	ADV
ejif-6816	212	4	records	record	VERB
ejif-6816	212	5	the	the	DET
ejif-6816	212	6	following	follow	VERB
ejif-6816	212	7	results	result	NOUN
ejif-6816	212	8	:	:	PUNCT
ejif-6816	212	9	•	•	NUM
ejif-6816	212	10	credit	credit	NOUN
ejif-6816	212	11	cards	card	NOUN
ejif-6816	212	12	issued	issue	VERB
ejif-6816	212	13	based	base	VERB
ejif-6816	212	14	on	on	ADP
ejif-6816	212	15	‘	'	PUNCT
ejif-6816	212	16	īna	īna	X
ejif-6816	212	17	or	or	CCONJ
ejif-6816	212	18	tawarruq	tawarruq	NOUN
ejif-6816	212	19	are	be	AUX
ejif-6816	212	20	invalid	invalid	ADJ
ejif-6816	212	21	due	due	ADP
ejif-6816	212	22	to	to	ADP
ejif-6816	212	23	the	the	DET
ejif-6816	212	24	invalidity	invalidity	NOUN
ejif-6816	212	25	of	of	ADP
ejif-6816	212	26	their	their	PRON
ejif-6816	212	27	underlying	underlie	VERB
ejif-6816	212	28	contracts	contract	NOUN
ejif-6816	212	29	.	.	PUNCT
ejif-6816	213	1	issuing	issue	VERB
ejif-6816	213	2	a	a	DET
ejif-6816	213	3	credit	credit	NOUN
ejif-6816	213	4	card	card	NOUN
ejif-6816	213	5	based	base	VERB
ejif-6816	213	6	on	on	ADP
ejif-6816	213	7	service	service	NOUN
ejif-6816	213	8	ijarah	ijarah	PROPN
ejif-6816	213	9	,	,	PUNCT
ejif-6816	213	10	however	however	ADV
ejif-6816	213	11	,	,	PUNCT
ejif-6816	213	12	is	be	AUX
ejif-6816	213	13	possible	possible	ADJ
ejif-6816	213	14	but	but	CCONJ
ejif-6816	213	15	with	with	ADP
ejif-6816	213	16	conditions	condition	NOUN
ejif-6816	213	17	.	.	PUNCT
ejif-6816	214	1	•	•	NUM
ejif-6816	214	2	islamic	islamic	ADJ
ejif-6816	214	3	financial	financial	ADJ
ejif-6816	214	4	institutions	institution	NOUN
ejif-6816	214	5	issuing	issue	VERB
ejif-6816	214	6	credit	credit	NOUN
ejif-6816	214	7	cards	card	NOUN
ejif-6816	214	8	may	may	AUX
ejif-6816	214	9	charge	charge	VERB
ejif-6816	214	10	a	a	DET
ejif-6816	214	11	commission	commission	NOUN
ejif-6816	214	12	to	to	ADP
ejif-6816	214	13	the	the	DET
ejif-6816	214	14	merchants	merchant	NOUN
ejif-6816	214	15	accepting	accept	VERB
ejif-6816	214	16	the	the	DET
ejif-6816	214	17	card	card	NOUN
ejif-6816	214	18	,	,	PUNCT
ejif-6816	214	19	as	as	ADP
ejif-6816	214	20	a	a	DET
ejif-6816	214	21	percentage	percentage	NOUN
ejif-6816	214	22	of	of	ADP
ejif-6816	214	23	the	the	DET
ejif-6816	214	24	price	price	NOUN
ejif-6816	214	25	of	of	ADP
ejif-6816	214	26	the	the	DET
ejif-6816	214	27	goods	good	NOUN
ejif-6816	214	28	and	and	CCONJ
ejif-6816	214	29	services	service	NOUN
ejif-6816	214	30	.	.	PUNCT
ejif-6816	215	1	•	•	INTJ
ejif-6816	215	2	it	it	PRON
ejif-6816	215	3	is	be	AUX
ejif-6816	215	4	permissible	permissible	ADJ
ejif-6816	215	5	for	for	SCONJ
ejif-6816	215	6	the	the	DET
ejif-6816	215	7	card	card	NOUN
ejif-6816	215	8	issuer	issuer	NOUN
ejif-6816	215	9	to	to	PART
ejif-6816	215	10	receive	receive	VERB
ejif-6816	215	11	a	a	DET
ejif-6816	215	12	fee	fee	NOUN
ejif-6816	215	13	for	for	ADP
ejif-6816	215	14	the	the	DET
ejif-6816	215	15	cash	cash	NOUN
ejif-6816	215	16	withdrawal	withdrawal	NOUN
ejif-6816	215	17	service	service	NOUN
ejif-6816	215	18	provided	provide	VERB
ejif-6816	215	19	it	it	PRON
ejif-6816	215	20	is	be	AUX
ejif-6816	215	21	no	no	PRON
ejif-6816	215	22	more	more	ADJ
ejif-6816	215	23	than	than	ADP
ejif-6816	215	24	the	the	DET
ejif-6816	215	25	fee	fee	NOUN
ejif-6816	215	26	normally	normally	ADV
ejif-6816	215	27	charged	charge	VERB
ejif-6816	215	28	on	on	ADP
ejif-6816	215	29	withdrawals	withdrawal	NOUN
ejif-6816	215	30	using	use	VERB
ejif-6816	215	31	debit	debit	NOUN
ejif-6816	215	32	cards	card	NOUN
ejif-6816	215	33	.	.	PUNCT
ejif-6816	216	1	if	if	SCONJ
ejif-6816	216	2	,	,	PUNCT
ejif-6816	216	3	however	however	ADV
ejif-6816	216	4	,	,	PUNCT
ejif-6816	216	5	an	an	DET
ejif-6816	216	6	additional	additional	ADJ
ejif-6816	216	7	service	service	NOUN
ejif-6816	216	8	is	be	AUX
ejif-6816	216	9	provided	provide	VERB
ejif-6816	216	10	,	,	PUNCT
ejif-6816	216	11	such	such	ADJ
ejif-6816	216	12	as	as	ADP
ejif-6816	216	13	withdrawal	withdrawal	NOUN
ejif-6816	216	14	from	from	ADP
ejif-6816	216	15	outside	outside	ADP
ejif-6816	216	16	the	the	DET
ejif-6816	216	17	country	country	NOUN
ejif-6816	216	18	,	,	PUNCT
ejif-6816	216	19	then	then	ADV
ejif-6816	216	20	a	a	DET
ejif-6816	216	21	higher	high	ADJ
ejif-6816	216	22	fee	fee	NOUN
ejif-6816	216	23	is	be	AUX
ejif-6816	216	24	permissible	permissible	ADJ
ejif-6816	216	25	provided	provide	VERB
ejif-6816	216	26	that	that	SCONJ
ejif-6816	216	27	the	the	DET
ejif-6816	216	28	profit	profit	NOUN
ejif-6816	216	29	for	for	ADP
ejif-6816	216	30	the	the	DET
ejif-6816	216	31	additional	additional	ADJ
ejif-6816	216	32	service	service	NOUN
ejif-6816	216	33	does	do	AUX
ejif-6816	216	34	not	not	PART
ejif-6816	216	35	exceed	exceed	VERB
ejif-6816	216	36	the	the	DET
ejif-6816	216	37	normal	normal	ADJ
ejif-6816	216	38	market	market	NOUN
ejif-6816	216	39	remuneration	remuneration	NOUN
ejif-6816	216	40	for	for	ADP
ejif-6816	216	41	the	the	DET
ejif-6816	216	42	money	money	NOUN
ejif-6816	216	43	transfer	transfer	NOUN
ejif-6816	216	44	service	service	NOUN
ejif-6816	216	45	.	.	PUNCT
ejif-6816	217	1	•	•	INTJ
ejif-6816	217	2	if	if	SCONJ
ejif-6816	217	3	a	a	DET
ejif-6816	217	4	debit	debit	NOUN
ejif-6816	217	5	card	card	NOUN
ejif-6816	217	6	performs	perform	VERB
ejif-6816	217	7	the	the	DET
ejif-6816	217	8	same	same	ADJ
ejif-6816	217	9	roles	role	NOUN
ejif-6816	217	10	of	of	ADP
ejif-6816	217	11	a	a	DET
ejif-6816	217	12	credit	credit	NOUN
ejif-6816	217	13	card	card	NOUN
ejif-6816	217	14	,	,	PUNCT
ejif-6816	217	15	then	then	ADV
ejif-6816	217	16	it	it	PRON
ejif-6816	217	17	should	should	AUX
ejif-6816	217	18	be	be	AUX
ejif-6816	217	19	used	use	VERB
ejif-6816	217	20	instead	instead	ADV
ejif-6816	217	21	of	of	ADP
ejif-6816	217	22	the	the	DET
ejif-6816	217	23	credit	credit	NOUN
ejif-6816	217	24	card	card	NOUN
ejif-6816	217	25	,	,	PUNCT
ejif-6816	217	26	especially	especially	ADV
ejif-6816	217	27	since	since	SCONJ
ejif-6816	217	28	the	the	DET
ejif-6816	217	29	latter	latter	ADJ
ejif-6816	217	30	involves	involve	VERB
ejif-6816	217	31	cautions	caution	NOUN
ejif-6816	217	32	that	that	PRON
ejif-6816	217	33	contradict	contradict	VERB
ejif-6816	217	34	the	the	DET
ejif-6816	217	35	higher	high	ADJ
ejif-6816	217	36	objectives	objective	NOUN
ejif-6816	217	37	of	of	ADP
ejif-6816	217	38	the	the	DET
ejif-6816	217	39	islamic	islamic	ADJ
ejif-6816	217	40	shariah	shariah	PROPN
ejif-6816	217	41	and	and	CCONJ
ejif-6816	217	42	functions	function	NOUN
ejif-6816	217	43	against	against	ADP
ejif-6816	217	44	its	its	PRON
ejif-6816	217	45	principle	principle	NOUN
ejif-6816	217	46	of	of	ADP
ejif-6816	217	47	moderation	moderation	NOUN
ejif-6816	217	48	in	in	ADP
ejif-6816	217	49	spending	spending	NOUN
ejif-6816	217	50	and	and	CCONJ
ejif-6816	217	51	debt	debt	NOUN
ejif-6816	217	52	incurring	incur	VERB
ejif-6816	217	53	.	.	PUNCT
ejif-6816	218	1	•	•	NOUN
ejif-6816	218	2	on	on	ADP
ejif-6816	218	3	a	a	DET
ejif-6816	218	4	final	final	ADJ
ejif-6816	218	5	note	note	NOUN
ejif-6816	218	6	,	,	PUNCT
ejif-6816	218	7	issuers	issuer	NOUN
ejif-6816	218	8	of	of	ADP
ejif-6816	218	9	islamic	islamic	ADJ
ejif-6816	218	10	credit	credit	NOUN
ejif-6816	218	11	cards	card	NOUN
ejif-6816	218	12	should	should	AUX
ejif-6816	218	13	do	do	VERB
ejif-6816	218	14	all	all	PRON
ejif-6816	218	15	possible	possible	ADJ
ejif-6816	218	16	to	to	PART
ejif-6816	218	17	block	block	VERB
ejif-6816	218	18	the	the	DET
ejif-6816	218	19	card	card	NOUN
ejif-6816	218	20	from	from	ADP
ejif-6816	218	21	being	be	AUX
ejif-6816	218	22	used	use	VERB
ejif-6816	218	23	to	to	PART
ejif-6816	218	24	buy	buy	VERB
ejif-6816	218	25	unlawful	unlawful	ADJ
ejif-6816	218	26	commodities	commodity	NOUN
ejif-6816	218	27	or	or	CCONJ
ejif-6816	218	28	services	service	NOUN
ejif-6816	218	29	.	.	PUNCT
ejif-6816	219	1	references	reference	NOUN
ejif-6816	219	2	[	[	X
ejif-6816	219	3	1	1	NUM
ejif-6816	219	4	]	]	X
ejif-6816	219	5	el	el	PROPN
ejif-6816	219	6	-	-	PUNCT
ejif-6816	219	7	komi	komi	NOUN
ejif-6816	219	8	,	,	PUNCT
ejif-6816	219	9	m.	m.	NOUN
ejif-6816	219	10	and	and	CCONJ
ejif-6816	219	11	croson	croson	PROPN
ejif-6816	219	12	,	,	PUNCT
ejif-6816	219	13	r.	r.	PROPN
ejif-6816	219	14	,	,	PUNCT
ejif-6816	219	15	“	"	PUNCT
ejif-6816	219	16	experiments	experiment	NOUN
ejif-6816	219	17	in	in	ADP
ejif-6816	219	18	islamic	islamic	ADJ
ejif-6816	219	19	microfinance	microfinance	NOUN
ejif-6816	219	20	”	"	PUNCT
ejif-6816	219	21	,	,	PUNCT
ejif-6816	219	22	journal	journal	NOUN
ejif-6816	219	23	of	of	ADP
ejif-6816	219	24	economic	economic	ADJ
ejif-6816	219	25	behavior	behavior	NOUN
ejif-6816	219	26	&	&	CCONJ
ejif-6816	219	27	organization	organization	PROPN
ejif-6816	219	28	,	,	PUNCT
ejif-6816	219	29	vol	vol	NOUN
ejif-6816	219	30	.	.	PROPN
ejif-6816	219	31	95	95	NUM
ejif-6816	219	32	,	,	PUNCT
ejif-6816	219	33	pp	pp	ADJ
ejif-6816	219	34	.	.	PUNCT
ejif-6816	220	1	252	252	NUM
ejif-6816	220	2	-	-	SYM
ejif-6816	220	3	269	269	NUM
ejif-6816	220	4	,	,	PUNCT
ejif-6816	220	5	2012	2012	NUM
ejif-6816	220	6	.	.	PUNCT
ejif-6816	221	1	[	[	X
ejif-6816	221	2	2	2	NUM
ejif-6816	221	3	]	]	PUNCT
ejif-6816	221	4	biancone	biancone	NOUN
ejif-6816	221	5	,	,	PUNCT
ejif-6816	221	6	p.p	p.p	PROPN
ejif-6816	221	7	.	.	PROPN
ejif-6816	221	8	,	,	PUNCT
ejif-6816	221	9	and	and	CCONJ
ejif-6816	221	10	radwan	radwan	NOUN
ejif-6816	221	11	,	,	PUNCT
ejif-6816	221	12	m.	m.	NOUN
ejif-6816	221	13	,	,	PUNCT
ejif-6816	221	14	,	,	PUNCT
ejif-6816	221	15	“	"	PUNCT
ejif-6816	221	16	european	european	ADJ
ejif-6816	221	17	companies	company	NOUN
ejif-6816	221	18	:	:	PUNCT
ejif-6816	221	19	evaluation	evaluation	NOUN
ejif-6816	221	20	for	for	ADP
ejif-6816	221	21	sharia	sharia	PROPN
ejif-6816	221	22	compliance	compliance	NOUN
ejif-6816	221	23	‘	'	PUNCT
ejif-6816	221	24	opportunities	opportunity	NOUN
ejif-6816	221	25	and	and	CCONJ
ejif-6816	221	26	challenges	challenge	NOUN
ejif-6816	221	27	,	,	PUNCT
ejif-6816	221	28	’	'	PUNCT
ejif-6816	221	29	”	"	PUNCT
ejif-6816	221	30	european	european	PROPN
ejif-6816	221	31	journal	journal	PROPN
ejif-6816	221	32	of	of	ADP
ejif-6816	221	33	islamic	islamic	PROPN
ejif-6816	221	34	finance	finance	PROPN
ejif-6816	221	35	,	,	PUNCT
ejif-6816	221	36	no	no	INTJ
ejif-6816	221	37	.	.	NOUN
ejif-6816	221	38	5	5	NUM
ejif-6816	221	39	,	,	PUNCT
ejif-6816	221	40	jul	jul	PROPN
ejif-6816	221	41	.	.	PROPN
ejif-6816	221	42	2016	2016	NUM
ejif-6816	221	43	.	.	PUNCT
ejif-6816	222	1	[	[	X
ejif-6816	222	2	3	3	X
ejif-6816	222	3	]	]	X
ejif-6816	222	4	el	el	PROPN
ejif-6816	222	5	-	-	NOUN
ejif-6816	222	6	bassiouny	bassiouny	PROPN
ejif-6816	222	7	,	,	PUNCT
ejif-6816	222	8	n.	n.	NOUN
ejif-6816	222	9	,	,	PUNCT
ejif-6816	222	10	“	"	PUNCT
ejif-6816	222	11	the	the	DET
ejif-6816	222	12	one	one	NUM
ejif-6816	222	13	-	-	PUNCT
ejif-6816	222	14	billion	billion	NUM
ejif-6816	222	15	-	-	PUNCT
ejif-6816	222	16	plus	plus	CCONJ
ejif-6816	222	17	marginalization	marginalization	NOUN
ejif-6816	222	18	:	:	PUNCT
ejif-6816	222	19	toward	toward	ADP
ejif-6816	222	20	a	a	DET
ejif-6816	222	21	scholarly	scholarly	ADJ
ejif-6816	222	22	understanding	understanding	NOUN
ejif-6816	222	23	of	of	ADP
ejif-6816	222	24	islamic	islamic	ADJ
ejif-6816	222	25	consumers	consumer	NOUN
ejif-6816	222	26	”	"	PUNCT
ejif-6816	222	27	,	,	PUNCT
ejif-6816	222	28	journal	journal	NOUN
ejif-6816	222	29	of	of	ADP
ejif-6816	222	30	business	business	NOUN
ejif-6816	222	31	research	research	NOUN
ejif-6816	222	32	,	,	PUNCT
ejif-6816	222	33	vol	vol	NOUN
ejif-6816	222	34	.	.	PROPN
ejif-6816	222	35	67	67	NUM
ejif-6816	223	1	no	no	NOUN
ejif-6816	223	2	.	.	NOUN
ejif-6816	223	3	2	2	NUM
ejif-6816	223	4	,	,	PUNCT
ejif-6816	223	5	pp	pp	ADJ
ejif-6816	223	6	.	.	PUNCT
ejif-6816	224	1	42	42	NUM
ejif-6816	224	2	-	-	SYM
ejif-6816	224	3	49	49	NUM
ejif-6816	224	4	,	,	PUNCT
ejif-6816	224	5	2013	2013	NUM
ejif-6816	224	6	.	.	PUNCT
ejif-6816	225	1	[	[	X
ejif-6816	225	2	4	4	NUM
ejif-6816	225	3	]	]	PUNCT
ejif-6816	225	4	dusuki	dusuki	NOUN
ejif-6816	225	5	,	,	PUNCT
ejif-6816	225	6	a.w	a.w	PROPN
ejif-6816	225	7	.	.	PROPN
ejif-6816	225	8	and	and	CCONJ
ejif-6816	225	9	abdullah	abdullah	PROPN
ejif-6816	225	10	,	,	PUNCT
ejif-6816	225	11	n.i	n.i	PROPN
ejif-6816	225	12	.	.	PROPN
ejif-6816	225	13	,	,	PUNCT
ejif-6816	225	14	“	"	PUNCT
ejif-6816	225	15	maqasid	maqasid	PROPN
ejif-6816	225	16	al	al	PROPN
ejif-6816	225	17	-	-	PUNCT
ejif-6816	225	18	shari’ah	shari’ah	PROPN
ejif-6816	225	19	,	,	PUNCT
ejif-6816	225	20	maslahah	maslahah	NOUN
ejif-6816	225	21	and	and	CCONJ
ejif-6816	225	22	corporate	corporate	ADJ
ejif-6816	225	23	social	social	ADJ
ejif-6816	225	24	responsibility	responsibility	NOUN
ejif-6816	225	25	”	"	PUNCT
ejif-6816	225	26	,	,	PUNCT
ejif-6816	225	27	the	the	DET
ejif-6816	225	28	american	american	PROPN
ejif-6816	225	29	journal	journal	PROPN
ejif-6816	225	30	of	of	ADP
ejif-6816	225	31	islamic	islamic	ADJ
ejif-6816	225	32	social	social	PROPN
ejif-6816	225	33	sciences	sciences	PROPN
ejif-6816	225	34	,	,	PUNCT
ejif-6816	225	35	vol	vol	NOUN
ejif-6816	225	36	.	.	PROPN
ejif-6816	225	37	24	24	NUM
ejif-6816	225	38	no	no	NOUN
ejif-6816	225	39	.	.	NOUN
ejif-6816	225	40	1	1	NUM
ejif-6816	225	41	,	,	PUNCT
ejif-6816	225	42	pp	pp	ADJ
ejif-6816	225	43	.	.	PUNCT
ejif-6816	226	1	25	25	NUM
ejif-6816	226	2	-	-	SYM
ejif-6816	226	3	45	45	NUM
ejif-6816	226	4	,	,	PUNCT
ejif-6816	226	5	2007	2007	NUM
ejif-6816	226	6	.	.	PUNCT
ejif-6816	227	1	[	[	X
ejif-6816	227	2	5	5	NUM
ejif-6816	227	3	]	]	PUNCT
ejif-6816	227	4	jamshidi	jamshidi	PROPN
ejif-6816	227	5	,	,	PUNCT
ejif-6816	227	6	d.	d.	PROPN
ejif-6816	227	7	and	and	CCONJ
ejif-6816	227	8	hussin	hussin	PROPN
ejif-6816	227	9	,	,	PUNCT
ejif-6816	227	10	n.	n.	PROPN
ejif-6816	227	11	,	,	PUNCT
ejif-6816	227	12	“	"	PUNCT
ejif-6816	227	13	determining	determine	VERB
ejif-6816	227	14	a	a	DET
ejif-6816	227	15	conceptual	conceptual	ADJ
ejif-6816	227	16	framework	framework	NOUN
ejif-6816	227	17	for	for	ADP
ejif-6816	227	18	adoption	adoption	NOUN
ejif-6816	227	19	of	of	ADP
ejif-6816	227	20	islamic	islamic	ADJ
ejif-6816	227	21	credit	credit	NOUN
ejif-6816	227	22	card	card	NOUN
ejif-6816	227	23	in	in	ADP
ejif-6816	227	24	context	context	NOUN
ejif-6816	227	25	of	of	ADP
ejif-6816	227	26	malaysia	malaysia	PROPN
ejif-6816	227	27	”	"	PUNCT
ejif-6816	227	28	,	,	PUNCT
ejif-6816	227	29	journal	journal	NOUN
ejif-6816	227	30	of	of	ADP
ejif-6816	227	31	basic	basic	ADJ
ejif-6816	227	32	and	and	CCONJ
ejif-6816	227	33	applied	apply	VERB
ejif-6816	227	34	scientific	scientific	ADJ
ejif-6816	227	35	research	research	NOUN
ejif-6816	227	36	,	,	PUNCT
ejif-6816	227	37	vol	vol	NOUN
ejif-6816	227	38	.	.	PROPN
ejif-6816	227	39	3	3	NUM
ejif-6816	228	1	no	no	NOUN
ejif-6816	228	2	.	.	NOUN
ejif-6816	228	3	1	1	NUM
ejif-6816	228	4	,	,	PUNCT
ejif-6816	228	5	pp	pp	ADJ
ejif-6816	228	6	.	.	PUNCT
ejif-6816	229	1	188	188	NUM
ejif-6816	229	2	-	-	SYM
ejif-6816	229	3	196	196	NUM
ejif-6816	229	4	,	,	PUNCT
ejif-6816	229	5	2013	2013	NUM
ejif-6816	229	6	.	.	PUNCT
ejif-6816	230	1	[	[	X
ejif-6816	230	2	6	6	NUM
ejif-6816	230	3	]	]	PUNCT
ejif-6816	230	4	b.	b.	PROPN
ejif-6816	230	5	j.	j.	PROPN
ejif-6816	230	6	grim	grim	PROPN
ejif-6816	230	7	and	and	CCONJ
ejif-6816	230	8	m.	m.	PROPN
ejif-6816	230	9	s.	s.	PROPN
ejif-6816	230	10	karim	karim	PROPN
ejif-6816	230	11	,	,	PUNCT
ejif-6816	230	12	“	"	PUNCT
ejif-6816	230	13	the	the	DET
ejif-6816	230	14	future	future	NOUN
ejif-6816	230	15	of	of	ADP
ejif-6816	230	16	the	the	DET
ejif-6816	230	17	global	global	ADJ
ejif-6816	230	18	muslim	muslim	ADJ
ejif-6816	230	19	population	population	NOUN
ejif-6816	230	20	:	:	PUNCT
ejif-6816	230	21	projections	projection	NOUN
ejif-6816	230	22	for	for	ADP
ejif-6816	230	23	2010	2010	NUM
ejif-6816	230	24	-	-	SYM
ejif-6816	230	25	2030	2030	NUM
ejif-6816	230	26	,	,	PUNCT
ejif-6816	230	27	”	"	PUNCT
ejif-6816	230	28	washington	washington	PROPN
ejif-6816	230	29	dc	dc	PROPN
ejif-6816	230	30	pew	pew	PROPN
ejif-6816	230	31	research	research	NOUN
ejif-6816	230	32	center	center	NOUN
ejif-6816	230	33	,	,	PUNCT
ejif-6816	230	34	2011	2011	NUM
ejif-6816	230	35	.	.	PUNCT
ejif-6816	231	1	[	[	X
ejif-6816	231	2	7	7	NUM
ejif-6816	231	3	]	]	PUNCT
ejif-6816	231	4	biancone	biancone	NOUN
ejif-6816	231	5	,	,	PUNCT
ejif-6816	231	6	p.p	p.p	PROPN
ejif-6816	231	7	.	.	PROPN
ejif-6816	231	8	,	,	PUNCT
ejif-6816	231	9	and	and	CCONJ
ejif-6816	231	10	radwan	radwan	NOUN
ejif-6816	231	11	,	,	PUNCT
ejif-6816	231	12	m.	m.	NOUN
ejif-6816	231	13	,	,	PUNCT
ejif-6816	231	14	“	"	PUNCT
ejif-6816	231	15	sharia	sharia	PROPN
ejif-6816	231	16	compliant	compliant	ADJ
ejif-6816	231	17	possibility	possibility	NOUN
ejif-6816	231	18	for	for	ADP
ejif-6816	231	19	italian	italian	ADJ
ejif-6816	231	20	smes	sme	NOUN
ejif-6816	231	21	”	"	PUNCT
ejif-6816	231	22	.	.	PUNCT
ejif-6816	232	1	european	european	PROPN
ejif-6816	232	2	journal	journal	PROPN
ejif-6816	232	3	of	of	ADP
ejif-6816	232	4	islamic	islamic	PROPN
ejif-6816	232	5	finance	finance	PROPN
ejif-6816	232	6	,	,	PUNCT
ejif-6816	232	7	no	no	INTJ
ejif-6816	232	8	.	.	NOUN
ejif-6816	232	9	1	1	NUM
ejif-6816	232	10	,	,	PUNCT
ejif-6816	232	11	2014	2014	NUM
ejif-6816	232	12	.	.	PUNCT
ejif-6816	233	1	[	[	X
ejif-6816	233	2	8	8	NUM
ejif-6816	233	3	]	]	X
ejif-6816	233	4	yılmaz	yılmaz	PROPN
ejif-6816	233	5	,	,	PUNCT
ejif-6816	233	6	d.	d.	PROPN
ejif-6816	233	7	,	,	PUNCT
ejif-6816	233	8	“	"	PUNCT
ejif-6816	233	9	islamic	islamic	ADJ
ejif-6816	233	10	finance	finance	NOUN
ejif-6816	233	11	:	:	PUNCT
ejif-6816	233	12	during	during	ADP
ejif-6816	233	13	and	and	CCONJ
ejif-6816	233	14	after	after	ADP
ejif-6816	233	15	the	the	DET
ejif-6816	233	16	global	global	ADJ
ejif-6816	233	17	financial	financial	ADJ
ejif-6816	233	18	crisis	crisis	NOUN
ejif-6816	233	19	”	"	PUNCT
ejif-6816	233	20	,	,	PUNCT
ejif-6816	233	21	arabian	arabian	ADJ
ejif-6816	233	22	journal	journal	NOUN
ejif-6816	233	23	of	of	ADP
ejif-6816	233	24	business	business	NOUN
ejif-6816	233	25	and	and	CCONJ
ejif-6816	233	26	management	management	NOUN
ejif-6816	233	27	,	,	PUNCT
ejif-6816	233	28	2009	2009	NUM
ejif-6816	233	29	[	[	X
ejif-6816	233	30	9	9	NUM
ejif-6816	233	31	]	]	PUNCT
ejif-6816	233	32	reuters	reuter	NOUN
ejif-6816	233	33	,	,	PUNCT
ejif-6816	233	34	"	"	PUNCT
ejif-6816	233	35	islamic	islamic	ADJ
ejif-6816	233	36	finance	finance	NOUN
ejif-6816	233	37	set	set	VERB
ejif-6816	233	38	to	to	PART
ejif-6816	233	39	cross	cross	VERB
ejif-6816	233	40	$	$	SYM
ejif-6816	233	41	1	1	NUM
ejif-6816	233	42	trillion	trillion	NUM
ejif-6816	233	43	:	:	PUNCT
ejif-6816	233	44	moody	moody	PROPN
ejif-6816	233	45	's	's	PART
ejif-6816	233	46	,	,	PUNCT
ejif-6816	233	47	"	"	PUNCT
ejif-6816	233	48	the	the	DET
ejif-6816	233	49	economic	economic	PROPN
ejif-6816	233	50	times	time	NOUN
ejif-6816	233	51	,	,	PUNCT
ejif-6816	233	52	october	october	PROPN
ejif-6816	233	53	21	21	NUM
ejif-6816	233	54	,	,	PUNCT
ejif-6816	233	55	2010	2010	NUM
ejif-6816	233	56	.	.	PUNCT
ejif-6816	234	1	[	[	X
ejif-6816	234	2	10	10	NUM
ejif-6816	234	3	]	]	PUNCT
ejif-6816	234	4	biancone	biancone	NOUN
ejif-6816	234	5	,	,	PUNCT
ejif-6816	234	6	p.p	p.p	PROPN
ejif-6816	234	7	.	.	PROPN
ejif-6816	234	8	,	,	PUNCT
ejif-6816	234	9	and	and	CCONJ
ejif-6816	234	10	radwan	radwan	NOUN
ejif-6816	234	11	,	,	PUNCT
ejif-6816	234	12	m.	m.	NOUN
ejif-6816	234	13	,	,	PUNCT
ejif-6816	234	14	“	"	PUNCT
ejif-6816	234	15	social	social	ADJ
ejif-6816	234	16	finance	finance	NOUN
ejif-6816	234	17	and	and	CCONJ
ejif-6816	234	18	financing	finance	VERB
ejif-6816	234	19	social	social	ADJ
ejif-6816	234	20	enterprises	enterprise	NOUN
ejif-6816	234	21	:	:	PUNCT
ejif-6816	234	22	an	an	DET
ejif-6816	234	23	islamic	islamic	ADJ
ejif-6816	234	24	finance	finance	NOUN
ejif-6816	234	25	prospective	prospective	NOUN
ejif-6816	234	26	”	"	PUNCT
ejif-6816	234	27	.	.	PUNCT
ejif-6816	235	1	european	european	PROPN
ejif-6816	235	2	journal	journal	PROPN
ejif-6816	235	3	of	of	ADP
ejif-6816	235	4	islamic	islamic	PROPN
ejif-6816	235	5	finance	finance	PROPN
ejif-6816	235	6	,	,	PUNCT
ejif-6816	235	7	special	special	ADJ
ejif-6816	235	8	issue	issue	NOUN
ejif-6816	235	9	,	,	PUNCT
ejif-6816	235	10	2019	2019	NUM
ejif-6816	235	11	.	.	PUNCT
ejif-6816	236	1	[	[	X
ejif-6816	236	2	11	11	NUM
ejif-6816	236	3	]	]	X
ejif-6816	236	4	al	al	PROPN
ejif-6816	236	5	-	-	PUNCT
ejif-6816	236	6	enezi	enezi	NOUN
ejif-6816	236	7	,	,	PUNCT
ejif-6816	236	8	m.	m.	NOUN
ejif-6816	236	9	,	,	PUNCT
ejif-6816	236	10	fiqh	fiqh	NOUN
ejif-6816	236	11	of	of	ADP
ejif-6816	236	12	islamic	islamic	ADJ
ejif-6816	236	13	financial	financial	ADJ
ejif-6816	236	14	engineering	engineering	NOUN
ejif-6816	236	15	(	(	PUNCT
ejif-6816	236	16	in	in	ADP
ejif-6816	236	17	arabic	arabic	ADJ
ejif-6816	236	18	)	)	PUNCT
ejif-6816	236	19	.	.	PUNCT
ejif-6816	237	1	qassim	qassim	NOUN
ejif-6816	237	2	:	:	PUNCT
ejif-6816	237	3	qassim	qassim	PROPN
ejif-6816	237	4	university	university	NOUN
ejif-6816	237	5	,	,	PUNCT
ejif-6816	237	6	2015	2015	NUM
ejif-6816	237	7	.	.	PUNCT
ejif-6816	238	1	[	[	X
ejif-6816	238	2	12	12	NUM
ejif-6816	238	3	]	]	X
ejif-6816	238	4	choo	choo	PROPN
ejif-6816	238	5	,	,	PUNCT
ejif-6816	238	6	s.y	s.y	PROPN
ejif-6816	238	7	.	.	PROPN
ejif-6816	238	8	,	,	PUNCT
ejif-6816	238	9	lim	lim	PROPN
ejif-6816	238	10	,	,	PUNCT
ejif-6816	238	11	h.e	h.e	PROPN
ejif-6816	238	12	.	.	PROPN
ejif-6816	238	13	and	and	CCONJ
ejif-6816	238	14	sanusi	sanusi	PROPN
ejif-6816	238	15	,	,	PUNCT
ejif-6816	238	16	n.a	n.a	PROPN
ejif-6816	238	17	.	.	PROPN
ejif-6816	238	18	,	,	PUNCT
ejif-6816	238	19	“	"	PUNCT
ejif-6816	238	20	the	the	DET
ejif-6816	238	21	consumer	consumer	NOUN
ejif-6816	238	22	choice	choice	NOUN
ejif-6816	238	23	of	of	ADP
ejif-6816	238	24	islamic	islamic	ADJ
ejif-6816	238	25	-	-	PUNCT
ejif-6816	238	26	based	base	VERB
ejif-6816	238	27	credit	credit	NOUN
ejif-6816	238	28	card	card	NOUN
ejif-6816	238	29	:	:	PUNCT
ejif-6816	238	30	an	an	DET
ejif-6816	238	31	analysis	analysis	NOUN
ejif-6816	238	32	of	of	ADP
ejif-6816	238	33	bivariate	bivariate	ADJ
ejif-6816	238	34	probit	probit	NOUN
ejif-6816	238	35	model	model	NOUN
ejif-6816	238	36	”	"	PUNCT
ejif-6816	238	37	,	,	PUNCT
ejif-6816	238	38	in	in	ADP
ejif-6816	238	39	sanusi	sanusi	NOUN
ejif-6816	238	40	,	,	PUNCT
ejif-6816	238	41	n.a	n.a	PROPN
ejif-6816	238	42	.	.	PROPN
ejif-6816	238	43	,	,	PUNCT
ejif-6816	238	44	harun	harun	PROPN
ejif-6816	238	45	,	,	PUNCT
ejif-6816	238	46	m.	m.	NOUN
ejif-6816	238	47	and	and	CCONJ
ejif-6816	238	48	samsudin	samsudin	NOUN
ejif-6816	238	49	,	,	PUNCT
ejif-6816	238	50	s.	s.	PROPN
ejif-6816	238	51	(	(	PUNCT
ejif-6816	238	52	eds	eds	PROPN
ejif-6816	238	53	)	)	PUNCT
ejif-6816	238	54	,	,	PUNCT
ejif-6816	238	55	readings	reading	NOUN
ejif-6816	238	56	in	in	ADP
ejif-6816	238	57	islamic	islamic	ADJ
ejif-6816	238	58	economics	economic	NOUN
ejif-6816	238	59	and	and	CCONJ
ejif-6816	238	60	finance	finance	NOUN
ejif-6816	238	61	,	,	PUNCT
ejif-6816	238	62	universiti	universiti	NOUN
ejif-6816	238	63	utara	utara	PROPN
ejif-6816	238	64	malaysia	malaysia	PROPN
ejif-6816	238	65	press	press	PROPN
ejif-6816	238	66	,	,	PUNCT
ejif-6816	238	67	sintok	sintok	ADJ
ejif-6816	238	68	,	,	PUNCT
ejif-6816	238	69	2007	2007	NUM
ejif-6816	239	1	[	[	X
ejif-6816	239	2	13	13	NUM
ejif-6816	239	3	]	]	X
ejif-6816	239	4	johan	johan	PROPN
ejif-6816	239	5	,	,	PUNCT
ejif-6816	239	6	z.	z.	PROPN
ejif-6816	239	7	j.	j.	PROPN
ejif-6816	239	8	,	,	PUNCT
ejif-6816	239	9	&	&	CCONJ
ejif-6816	239	10	putit	putit	PROPN
ejif-6816	239	11	,	,	PUNCT
ejif-6816	239	12	l.	l.	PROPN
ejif-6816	239	13	,	,	PUNCT
ejif-6816	239	14	“	"	PUNCT
ejif-6816	239	15	conceptualizing	conceptualize	VERB
ejif-6816	239	16	the	the	DET
ejif-6816	239	17	influences	influence	NOUN
ejif-6816	239	18	of	of	ADP
ejif-6816	239	19	knowledge	knowledge	NOUN
ejif-6816	239	20	and	and	CCONJ
ejif-6816	239	21	religiosity	religiosity	NOUN
ejif-6816	239	22	on	on	ADP
ejif-6816	239	23	islamic	islamic	ADJ
ejif-6816	239	24	credit	credit	NOUN
ejif-6816	239	25	card	card	NOUN
ejif-6816	239	26	compliance	compliance	NOUN
ejif-6816	239	27	”	"	PUNCT
ejif-6816	239	28	.	.	PUNCT
ejif-6816	240	1	procedia	procedia	NOUN
ejif-6816	240	2	economics	economic	NOUN
ejif-6816	240	3	and	and	CCONJ
ejif-6816	240	4	finance	finance	NOUN
ejif-6816	240	5	,	,	PUNCT
ejif-6816	240	6	vol	vol	NOUN
ejif-6816	240	7	.	.	PROPN
ejif-6816	240	8	37	37	NUM
ejif-6816	240	9	,	,	PUNCT
ejif-6816	240	10	pp	pp	ADJ
ejif-6816	240	11	.	.	PUNCT
ejif-6816	241	1	480–487	480–487	NUM
ejif-6816	241	2	,	,	PUNCT
ejif-6816	241	3	2016	2016	NUM
ejif-6816	241	4	.	.	PUNCT
ejif-6816	242	1	[	[	X
ejif-6816	242	2	14	14	NUM
ejif-6816	242	3	]	]	X
ejif-6816	242	4	norudin	norudin	PROPN
ejif-6816	242	5	mansor	mansor	PROPN
ejif-6816	242	6	and	and	CCONJ
ejif-6816	242	7	azman	azman	PROPN
ejif-6816	242	8	che	che	PROPN
ejif-6816	242	9	mat	mat	PROPN
ejif-6816	242	10	,	,	PUNCT
ejif-6816	242	11	“	"	PUNCT
ejif-6816	242	12	islamic	islamic	ADJ
ejif-6816	242	13	credit	credit	NOUN
ejif-6816	242	14	card	card	NOUN
ejif-6816	242	15	:	:	PUNCT
ejif-6816	242	16	are	be	AUX
ejif-6816	242	17	demographics	demographic	NOUN
ejif-6816	242	18	a	a	DET
ejif-6816	242	19	good	good	ADJ
ejif-6816	242	20	indicator	indicator	NOUN
ejif-6816	242	21	?	?	PUNCT
ejif-6816	242	22	”	"	PUNCT
ejif-6816	242	23	,	,	PUNCT
ejif-6816	242	24	asian	asian	ADJ
ejif-6816	242	25	social	social	ADJ
ejif-6816	242	26	science	science	NOUN
ejif-6816	242	27	,	,	PUNCT
ejif-6816	242	28	vol	vol	NOUN
ejif-6816	242	29	5	5	NUM
ejif-6816	242	30	,	,	PUNCT
ejif-6816	242	31	no	no	INTJ
ejif-6816	242	32	.	.	NOUN
ejif-6816	242	33	12	12	NUM
ejif-6816	242	34	,	,	PUNCT
ejif-6816	242	35	2009	2009	NUM
ejif-6816	242	36	[	[	X
ejif-6816	242	37	15	15	NUM
ejif-6816	242	38	]	]	X
ejif-6816	242	39	johan	johan	PROPN
ejif-6816	242	40	,	,	PUNCT
ejif-6816	242	41	z.	z.	PROPN
ejif-6816	242	42	j.	j.	PROPN
ejif-6816	242	43	,	,	PUNCT
ejif-6816	242	44	“	"	PUNCT
ejif-6816	242	45	shariah	shariah	PROPN
ejif-6816	242	46	compliant	compliant	ADJ
ejif-6816	242	47	credit	credit	NOUN
ejif-6816	242	48	cards	card	NOUN
ejif-6816	242	49	:	:	PUNCT
ejif-6816	242	50	disputes	dispute	NOUN
ejif-6816	242	51	and	and	CCONJ
ejif-6816	242	52	steps	step	NOUN
ejif-6816	242	53	forward	forward	ADV
ejif-6816	242	54	”	"	PUNCT
ejif-6816	242	55	.	.	PUNCT
ejif-6816	243	1	journal	journal	NOUN
ejif-6816	243	2	of	of	ADP
ejif-6816	243	3	emerging	emerge	VERB
ejif-6816	243	4	economies	economy	NOUN
ejif-6816	243	5	and	and	CCONJ
ejif-6816	243	6	islamic	islamic	ADJ
ejif-6816	243	7	research	research	NOUN
ejif-6816	243	8	”	"	PUNCT
ejif-6816	243	9	,	,	PUNCT
ejif-6816	243	10	vol	vol	NOUN
ejif-6816	243	11	.	.	PROPN
ejif-6816	243	12	6	6	NUM
ejif-6816	243	13	,	,	PUNCT
ejif-6816	243	14	no	no	INTJ
ejif-6816	243	15	.	.	NOUN
ejif-6816	243	16	1	1	NUM
ejif-6816	243	17	,	,	PUNCT
ejif-6816	243	18	pp	pp	ADJ
ejif-6816	243	19	.	.	PUNCT
ejif-6816	244	1	44	44	NUM
ejif-6816	244	2	-	-	SYM
ejif-6816	244	3	54	54	NUM
ejif-6816	244	4	,	,	PUNCT
ejif-6816	244	5	2018	2018	NUM
ejif-6816	244	6	.	.	PUNCT
ejif-6816	245	1	[	[	X
ejif-6816	245	2	16	16	NUM
ejif-6816	245	3	]	]	X
ejif-6816	245	4	yee	yee	PROPN
ejif-6816	245	5	,	,	PUNCT
ejif-6816	245	6	c.s	c.s	PROPN
ejif-6816	245	7	.	.	PROPN
ejif-6816	245	8	,	,	PUNCT
ejif-6816	245	9	eam	eam	PROPN
ejif-6816	245	10	,	,	PUNCT
ejif-6816	245	11	l.h	l.h	PROPN
ejif-6816	245	12	.	.	PROPN
ejif-6816	245	13	and	and	CCONJ
ejif-6816	245	14	sanusi	sanusi	PROPN
ejif-6816	245	15	,	,	PUNCT
ejif-6816	245	16	n.a	n.a	PROPN
ejif-6816	245	17	.	.	PROPN
ejif-6816	245	18	,	,	PUNCT
ejif-6816	245	19	“	"	PUNCT
ejif-6816	245	20	the	the	DET
ejif-6816	245	21	consumer	consumer	NOUN
ejif-6816	245	22	choice	choice	NOUN
ejif-6816	245	23	of	of	ADP
ejif-6816	245	24	islamic	islamic	ADJ
ejif-6816	245	25	-	-	PUNCT
ejif-6816	245	26	based	base	VERB
ejif-6816	245	27	credit	credit	NOUN
ejif-6816	245	28	card	card	NOUN
ejif-6816	245	29	:	:	PUNCT
ejif-6816	245	30	an	an	DET
ejif-6816	245	31	analysis	analysis	NOUN
ejif-6816	245	32	of	of	ADP
ejif-6816	245	33	bivariate	bivariate	ADJ
ejif-6816	245	34	probit	probit	NOUN
ejif-6816	245	35	model	model	NOUN
ejif-6816	245	36	”	"	PUNCT
ejif-6816	245	37	,	,	PUNCT
ejif-6816	245	38	in	in	ADP
ejif-6816	245	39	readings	reading	NOUN
ejif-6816	245	40	in	in	ADP
ejif-6816	245	41	islamic	islamic	ADJ
ejif-6816	245	42	economics	economic	NOUN
ejif-6816	245	43	and	and	CCONJ
ejif-6816	245	44	finance	finance	NOUN
ejif-6816	245	45	,	,	PUNCT
ejif-6816	245	46	sanusi	sanusi	NOUN
ejif-6816	245	47	,	,	PUNCT
ejif-6816	245	48	n.a	n.a	PROPN
ejif-6816	245	49	.	.	PROPN
ejif-6816	245	50	,	,	PUNCT
ejif-6816	245	51	harun	harun	PROPN
ejif-6816	245	52	,	,	PUNCT
ejif-6816	245	53	m.	m.	NOUN
ejif-6816	245	54	&	&	CCONJ
ejif-6816	245	55	samsudin	samsudin	PROPN
ejif-6816	245	56	,	,	PUNCT
ejif-6816	245	57	s.	s.	PROPN
ejif-6816	245	58	,	,	PUNCT
ejif-6816	245	59	ed.s	ed.s	PROPN
ejif-6816	245	60	.	.	PUNCT
ejif-6816	246	1	sintok	sintok	ADJ
ejif-6816	246	2	:	:	PUNCT
ejif-6816	246	3	universiti	universiti	PROPN
ejif-6816	246	4	utara	utara	PROPN
ejif-6816	246	5	malaysia	malaysia	PROPN
ejif-6816	246	6	press	press	PROPN
ejif-6816	246	7	,	,	PUNCT
ejif-6816	246	8	2007	2007	NUM
ejif-6816	246	9	.	.	PUNCT
ejif-6816	247	1	[	[	X
ejif-6816	247	2	17	17	NUM
ejif-6816	247	3	]	]	X
ejif-6816	247	4	oic	oic	PROPN
ejif-6816	247	5	fiqh	fiqh	PROPN
ejif-6816	247	6	academy	academy	PROPN
ejif-6816	247	7	,	,	PUNCT
ejif-6816	247	8	resolutions	resolution	NOUN
ejif-6816	247	9	and	and	CCONJ
ejif-6816	247	10	recommendations	recommendation	NOUN
ejif-6816	247	11	of	of	ADP
ejif-6816	247	12	the	the	DET
ejif-6816	247	13	council	council	NOUN
ejif-6816	247	14	of	of	ADP
ejif-6816	247	15	the	the	DET
ejif-6816	247	16	islamic	islamic	PROPN
ejif-6816	247	17	fiqh	fiqh	PROPN
ejif-6816	247	18	academy	academy	PROPN
ejif-6816	247	19	1985	1985	NUM
ejif-6816	247	20	-	-	SYM
ejif-6816	247	21	2000	2000	NUM
ejif-6816	247	22	,	,	PUNCT
ejif-6816	247	23	jeddah	jeddah	PROPN
ejif-6816	247	24	:	:	PUNCT
ejif-6816	247	25	islamic	islamic	ADJ
ejif-6816	247	26	research	research	NOUN
ejif-6816	247	27	and	and	CCONJ
ejif-6816	247	28	training	training	NOUN
ejif-6816	247	29	institute	institute	PROPN
ejif-6816	247	30	&	&	CCONJ
ejif-6816	247	31	islamic	islamic	PROPN
ejif-6816	247	32	development	development	PROPN
ejif-6816	247	33	bank	bank	PROPN
ejif-6816	247	34	,	,	PUNCT
ejif-6816	247	35	2000	2000	NUM
ejif-6816	247	36	.	.	PUNCT
ejif-6816	248	1	[	[	X
ejif-6816	248	2	18	18	NUM
ejif-6816	248	3	]	]	X
ejif-6816	248	4	fineberg	fineberg	PROPN
ejif-6816	248	5	,	,	PUNCT
ejif-6816	248	6	g.	g.	PROPN
ejif-6816	248	7	,	,	PUNCT
ejif-6816	248	8	“	"	PUNCT
ejif-6816	248	9	mobile	mobile	ADJ
ejif-6816	248	10	credit	credit	NOUN
ejif-6816	248	11	:	:	PUNCT
ejif-6816	248	12	the	the	DET
ejif-6816	248	13	effect	effect	NOUN
ejif-6816	248	14	of	of	ADP
ejif-6816	248	15	credit	credit	NOUN
ejif-6816	248	16	cards	card	NOUN
ejif-6816	248	17	on	on	ADP
ejif-6816	248	18	consumer	consumer	NOUN
ejif-6816	248	19	spending	spending	NOUN
ejif-6816	248	20	in	in	ADP
ejif-6816	248	21	the	the	DET
ejif-6816	248	22	united	united	PROPN
ejif-6816	248	23	states	states	PROPN
ejif-6816	248	24	in	in	ADP
ejif-6816	248	25	the	the	DET
ejif-6816	248	26	second	second	ADJ
ejif-6816	248	27	half	half	NOUN
ejif-6816	248	28	of	of	ADP
ejif-6816	248	29	the	the	DET
ejif-6816	248	30	twentieth	twentieth	ADJ
ejif-6816	248	31	century	century	NOUN
ejif-6816	248	32	”	"	PUNCT
ejif-6816	248	33	.	.	PUNCT
ejif-6816	249	1	penn	penn	PROPN
ejif-6816	249	2	history	history	PROPN
ejif-6816	249	3	review	review	PROPN
ejif-6816	249	4	,	,	PUNCT
ejif-6816	249	5	vol	vol	NOUN
ejif-6816	249	6	.	.	PROPN
ejif-6816	249	7	20	20	NUM
ejif-6816	249	8	,	,	PUNCT
ejif-6816	249	9	n.	n.	NOUN
ejif-6816	249	10	1	1	NUM
ejif-6816	249	11	,	,	PUNCT
ejif-6816	249	12	pp	pp	ADJ
ejif-6816	249	13	.	.	PUNCT
ejif-6816	250	1	94	94	NUM
ejif-6816	250	2	–	–	PUNCT
ejif-6816	250	3	120	120	NUM
ejif-6816	250	4	,	,	PUNCT
ejif-6816	250	5	2013	2013	NUM
ejif-6816	250	6	.	.	PUNCT
ejif-6816	251	1	[	[	X
ejif-6816	251	2	19	19	NUM
ejif-6816	251	3	]	]	PUNCT
ejif-6816	251	4	radishe	radishe	NOUN
ejif-6816	251	5	,	,	PUNCT
ejif-6816	251	6	n.	n.	PROPN
ejif-6816	251	7	,	,	PUNCT
ejif-6816	251	8	the	the	DET
ejif-6816	251	9	reality	reality	NOUN
ejif-6816	251	10	of	of	ADP
ejif-6816	251	11	credit	credit	NOUN
ejif-6816	251	12	cards	card	NOUN
ejif-6816	251	13	.	.	PUNCT
ejif-6816	252	1	york	york	PROPN
ejif-6816	252	2	:	:	PUNCT
ejif-6816	252	3	hull	hull	NOUN
ejif-6816	252	4	press	press	NOUN
ejif-6816	252	5	,	,	PUNCT
ejif-6816	252	6	2003	2003	NUM
ejif-6816	252	7	[	[	X
ejif-6816	252	8	20	20	NUM
ejif-6816	252	9	]	]	PUNCT
ejif-6816	252	10	aaoifi	aaoifi	PROPN
ejif-6816	252	11	,	,	PUNCT
ejif-6816	252	12	shari’a	shari’a	VERB
ejif-6816	252	13	standards	standard	NOUN
ejif-6816	252	14	for	for	ADP
ejif-6816	252	15	islamic	islamic	ADJ
ejif-6816	252	16	financial	financial	ADJ
ejif-6816	252	17	institutions	institution	NOUN
ejif-6816	252	18	,	,	PUNCT
ejif-6816	252	19	manama	manama	PROPN
ejif-6816	252	20	:	:	PUNCT
ejif-6816	252	21	aaoifi	aaoifi	PROPN
ejif-6816	252	22	,	,	PUNCT
ejif-6816	252	23	2010	2010	NUM
ejif-6816	252	24	.	.	PUNCT
ejif-6816	253	1	european	european	PROPN
ejif-6816	253	2	journal	journal	PROPN
ejif-6816	253	3	of	of	ADP
ejif-6816	253	4	islamic	islamic	PROPN
ejif-6816	253	5	finance	finance	PROPN
ejif-6816	253	6	issn	issn	PROPN
ejif-6816	253	7	:	:	PUNCT
ejif-6816	253	8	2421	2421	NUM
ejif-6816	253	9	-	-	SYM
ejif-6816	253	10	2172	2172	NUM
ejif-6816	253	11	doi	doi	NOUN
ejif-6816	253	12	:	:	PUNCT
ejif-6816	253	13	10.13135/2421	10.13135/2421	NUM
ejif-6816	253	14	-	-	SYM
ejif-6816	253	15	2172/6816	2172/6816	NUM
ejif-6816	253	16	published	publish	VERB
ejif-6816	253	17	by	by	ADP
ejif-6816	253	18	the	the	DET
ejif-6816	253	19	university	university	PROPN
ejif-6816	253	20	of	of	ADP
ejif-6816	253	21	turin	turin	PROPN
ejif-6816	254	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-6816	254	2	ejif	ejif	PROPN
ejif-6816	254	3	content	content	NOUN
ejif-6816	254	4	is	be	AUX
ejif-6816	254	5	licensed	license	VERB
ejif-6816	254	6	under	under	ADP
ejif-6816	254	7	a	a	DET
ejif-6816	254	8	creative	creative	ADJ
ejif-6816	254	9	commons	common	NOUN
ejif-6816	254	10	attribution	attribution	NOUN
ejif-6816	254	11	4.0	4.0	NUM
ejif-6816	254	12	international	international	ADJ
ejif-6816	254	13	license	license	NOUN
ejif-6816	254	14	received	receive	VERB
ejif-6816	254	15	:	:	PUNCT
ejif-6816	254	16	08/06/2022	08/06/2022	NOUN
ejif-6816	254	17	accepted	accept	VERB
ejif-6816	254	18	for	for	ADP
ejif-6816	254	19	publication	publication	NOUN
ejif-6816	254	20	:	:	PUNCT
ejif-6816	254	21	18/11/2022	18/11/2022	NUM
ejif-6816	254	22	published	publish	VERB
ejif-6816	254	23	:	:	PUNCT
ejif-6816	254	24	29/12/2022	29/12/2022	NUM
ejif-6816	254	25	20	20	NUM
ejif-6816	254	26	[	[	SYM
ejif-6816	254	27	21	21	NUM
ejif-6816	254	28	]	]	PUNCT
ejif-6816	254	29	abozaid	abozaid	PROPN
ejif-6816	254	30	,	,	PUNCT
ejif-6816	254	31	a.	a.	PROPN
ejif-6816	254	32	,	,	PUNCT
ejif-6816	254	33	muslim	muslim	ADJ
ejif-6816	254	34	merchants	merchant	NOUN
ejif-6816	254	35	’	'	PUNCT
ejif-6816	254	36	directory	directory	NOUN
ejif-6816	254	37	to	to	ADP
ejif-6816	254	38	fiqh	fiqh	NOUN
ejif-6816	254	39	and	and	CCONJ
ejif-6816	254	40	ethics	ethic	NOUN
ejif-6816	254	41	,	,	PUNCT
ejif-6816	254	42	beirut	beirut	PROPN
ejif-6816	254	43	:	:	PUNCT
ejif-6816	254	44	al	al	PROPN
ejif-6816	254	45	-	-	PUNCT
ejif-6816	254	46	risala	risala	PROPN
ejif-6816	254	47	publishing	publishing	PROPN
ejif-6816	254	48	house	house	PROPN
ejif-6816	254	49	,	,	PUNCT
ejif-6816	254	50	2004	2004	NUM
ejif-6816	254	51	.	.	PUNCT
ejif-6816	255	1	[	[	X
ejif-6816	255	2	22	22	NUM
ejif-6816	255	3	]	]	PUNCT
ejif-6816	255	4	capgemini	capgemini	PROPN
ejif-6816	255	5	,	,	PUNCT
ejif-6816	255	6	“	"	PUNCT
ejif-6816	255	7	capgemini	capgemini	PROPN
ejif-6816	255	8	’s	’s	PART
ejif-6816	255	9	world	world	NOUN
ejif-6816	255	10	payments	payment	NOUN
ejif-6816	255	11	report	report	VERB
ejif-6816	255	12	2020	2020	NUM
ejif-6816	255	13	:	:	PUNCT
ejif-6816	255	14	will	will	AUX
ejif-6816	255	15	covid19	covid19	VERB
ejif-6816	255	16	spark	spark	VERB
ejif-6816	255	17	the	the	DET
ejif-6816	255	18	end	end	NOUN
ejif-6816	255	19	of	of	ADP
ejif-6816	255	20	cash	cash	NOUN
ejif-6816	255	21	payments	payment	NOUN
ejif-6816	255	22	?	?	PUNCT
ejif-6816	255	23	”	"	PUNCT
ejif-6816	255	24	,	,	PUNCT
ejif-6816	255	25	2020	2020	NUM
ejif-6816	255	26	.	.	PUNCT
ejif-6816	256	1	available	available	ADJ
ejif-6816	256	2	at	at	ADP
ejif-6816	256	3	:	:	PUNCT
ejif-6816	256	4	https://www.capgemini.com/news/capgeminis-world-payments-report2020/	https://www.capgemini.com/news/capgeminis-world-payments-report2020/	PROPN
ejif-6816	256	5	(	(	PUNCT
ejif-6816	256	6	accessed	access	VERB
ejif-6816	256	7	08	08	NUM
ejif-6816	256	8	-	-	PUNCT
ejif-6816	256	9	june-2022	june-2022	NOUN
ejif-6816	256	10	)	)	PUNCT
ejif-6816	256	11	.	.	PUNCT
ejif-6816	257	1	[	[	X
ejif-6816	257	2	23	23	NUM
ejif-6816	257	3	]	]	X
ejif-6816	257	4	al	al	PROPN
ejif-6816	257	5	-	-	PUNCT
ejif-6816	257	6	kasani	kasani	PROPN
ejif-6816	257	7	,	,	PUNCT
ejif-6816	257	8	badai	badai	PROPN
ejif-6816	257	9	’	'	PUNCT
ejif-6816	257	10	al	al	PROPN
ejif-6816	257	11	-	-	PUNCT
ejif-6816	257	12	sanai	sanai	PROPN
ejif-6816	257	13	’	'	PUNCT
ejif-6816	257	14	,	,	PUNCT
ejif-6816	257	15	beirut	beirut	PROPN
ejif-6816	257	16	:	:	PUNCT
ejif-6816	257	17	dar	dar	PROPN
ejif-6816	257	18	al	al	PROPN
ejif-6816	257	19	-	-	PUNCT
ejif-6816	257	20	kitab	kitab	PROPN
ejif-6816	257	21	al	al	PROPN
ejif-6816	257	22	-	-	PUNCT
ejif-6816	257	23	arabi	arabi	PROPN
ejif-6816	257	24	,	,	PUNCT
ejif-6816	257	25	1982	1982	NUM
ejif-6816	257	26	.	.	PUNCT
ejif-6816	258	1	[	[	X
ejif-6816	258	2	24	24	NUM
ejif-6816	258	3	]	]	X
ejif-6816	258	4	ibn	ibn	PROPN
ejif-6816	258	5	qudamah	qudamah	NOUN
ejif-6816	258	6	,	,	PUNCT
ejif-6816	258	7	al	al	PROPN
ejif-6816	258	8	-	-	PUNCT
ejif-6816	258	9	mughni	mughni	PROPN
ejif-6816	258	10	,	,	PUNCT
ejif-6816	258	11	beirut	beirut	PROPN
ejif-6816	258	12	:	:	PUNCT
ejif-6816	258	13	dar	dar	PROPN
ejif-6816	258	14	al	al	PROPN
ejif-6816	258	15	-	-	PUNCT
ejif-6816	258	16	fikr	fikr	PROPN
ejif-6816	258	17	,	,	PUNCT
ejif-6816	258	18	2002	2002	NUM
ejif-6816	258	19	.	.	PUNCT
ejif-6816	259	1	[	[	X
ejif-6816	259	2	25	25	NUM
ejif-6816	259	3	]	]	X
ejif-6816	259	4	al	al	PROPN
ejif-6816	259	5	-	-	PUNCT
ejif-6816	259	6	dasuqi	dasuqi	PROPN
ejif-6816	259	7	,	,	PUNCT
ejif-6816	259	8	hashiyah	hashiyah	PROPN
ejif-6816	259	9	,	,	PUNCT
ejif-6816	259	10	beirut	beirut	PROPN
ejif-6816	259	11	:	:	PUNCT
ejif-6816	259	12	dar	dar	PROPN
ejif-6816	259	13	ihya	ihya	PROPN
ejif-6816	259	14	’	'	PUNCT
ejif-6816	259	15	al	al	PROPN
ejif-6816	259	16	-	-	PUNCT
ejif-6816	259	17	kutub	kutub	PROPN
ejif-6816	259	18	al	al	PROPN
ejif-6816	259	19	-	-	PUNCT
ejif-6816	259	20	arabiyyah	arabiyyah	PROPN
ejif-6816	259	21	,	,	PUNCT
ejif-6816	259	22	2005	2005	NUM
ejif-6816	259	23	.	.	PUNCT
ejif-6816	260	1	[	[	X
ejif-6816	260	2	26	26	NUM
ejif-6816	260	3	]	]	PUNCT
ejif-6816	260	4	abozaid	abozaid	PROPN
ejif-6816	260	5	,	,	PUNCT
ejif-6816	260	6	a.	a.	NOUN
ejif-6816	260	7	,	,	PUNCT
ejif-6816	260	8	contermporary	contermporary	ADJ
ejif-6816	260	9	eina	eina	NOUN
ejif-6816	260	10	:	:	PUNCT
ejif-6816	260	11	is	be	AUX
ejif-6816	260	12	it	it	PRON
ejif-6816	260	13	a	a	DET
ejif-6816	260	14	sale	sale	NOUN
ejif-6816	260	15	of	of	ADP
ejif-6816	260	16	riba	riba	PROPN
ejif-6816	260	17	,	,	PUNCT
ejif-6816	260	18	aleppo	aleppo	PROPN
ejif-6816	260	19	:	:	PUNCT
ejif-6816	260	20	dar	dar	PROPN
ejif-6816	260	21	almultaqa	almultaqa	PROPN
ejif-6816	260	22	,	,	PUNCT
ejif-6816	260	23	2004	2004	NUM
ejif-6816	260	24	.	.	PUNCT
ejif-6816	261	1	[	[	X
ejif-6816	261	2	27	27	NUM
ejif-6816	261	3	]	]	PUNCT
ejif-6816	261	4	alnafrawi	alnafrawi	PROPN
ejif-6816	261	5	,	,	PUNCT
ejif-6816	261	6	al	al	PROPN
ejif-6816	261	7	-	-	PROPN
ejif-6816	261	8	fawakih	fawakih	PROPN
ejif-6816	261	9	al	al	PROPN
ejif-6816	261	10	-	-	PUNCT
ejif-6816	261	11	dawani	dawani	PROPN
ejif-6816	261	12	,	,	PUNCT
ejif-6816	261	13	beirut	beirut	PROPN
ejif-6816	261	14	:	:	PUNCT
ejif-6816	261	15	dar	dar	PROPN
ejif-6816	261	16	al	al	PROPN
ejif-6816	261	17	-	-	PUNCT
ejif-6816	261	18	fikr	fikr	PROPN
ejif-6816	261	19	,	,	PUNCT
ejif-6816	261	20	1994	1994	NUM
ejif-6816	261	21	.	.	PUNCT