id	sid	tid	token	lemma	pos
ejif-8706	1	1	03_ejif_adebesin	03_ejif_adebesin	NUM
ejif-8706	1	2	european	european	PROPN
ejif-8706	1	3	journal	journal	PROPN
ejif-8706	1	4	of	of	ADP
ejif-8706	1	5	islamic	islamic	PROPN
ejif-8706	1	6	finance	finance	PROPN
ejif-8706	1	7	issn	issn	PROPN
ejif-8706	1	8	:	:	PUNCT
ejif-8706	1	9	2421	2421	NUM
ejif-8706	1	10	-	-	SYM
ejif-8706	1	11	2172	2172	NUM
ejif-8706	1	12	doi	doi	NOUN
ejif-8706	1	13	:	:	PUNCT
ejif-8706	1	14	10.13135/2421	10.13135/2421	NUM
ejif-8706	1	15	-	-	SYM
ejif-8706	1	16	2172/8706	2172/8706	NUM
ejif-8706	1	17	published	publish	VERB
ejif-8706	1	18	by	by	ADP
ejif-8706	1	19	university	university	PROPN
ejif-8706	1	20	of	of	ADP
ejif-8706	1	21	turin	turin	PROPN
ejif-8706	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	2	2	ejif	ejif	PROPN
ejif-8706	2	3	content	content	NOUN
ejif-8706	2	4	is	be	AUX
ejif-8706	2	5	licensed	license	VERB
ejif-8706	2	6	under	under	ADP
ejif-8706	2	7	a	a	DET
ejif-8706	2	8	creative	creative	ADJ
ejif-8706	2	9	commons	common	NOUN
ejif-8706	2	10	attribution	attribution	NOUN
ejif-8706	2	11	4.0	4.0	NUM
ejif-8706	2	12	international	international	ADJ
ejif-8706	2	13	license	license	NOUN
ejif-8706	2	14	47	47	NUM
ejif-8706	2	15	quantifying	quantify	VERB
ejif-8706	2	16	the	the	DET
ejif-8706	2	17	effect	effect	NOUN
ejif-8706	2	18	of	of	ADP
ejif-8706	2	19	interest	interest	NOUN
ejif-8706	2	20	rate	rate	NOUN
ejif-8706	2	21	on	on	ADP
ejif-8706	2	22	islamic	islamic	ADJ
ejif-8706	2	23	banks	bank	NOUN
ejif-8706	2	24	financing	financing	NOUN
ejif-8706	2	25	in	in	ADP
ejif-8706	2	26	the	the	DET
ejif-8706	2	27	united	united	PROPN
ejif-8706	2	28	kingdom	kingdom	PROPN
ejif-8706	2	29	sulaimon	sulaimon	PROPN
ejif-8706	2	30	adebesin1	adebesin1	PROPN
ejif-8706	2	31	*	*	SYM
ejif-8706	2	32	1	1	NUM
ejif-8706	2	33	university	university	NOUN
ejif-8706	2	34	of	of	ADP
ejif-8706	2	35	dundee	dundee	PROPN
ejif-8706	2	36	,	,	PUNCT
ejif-8706	2	37	school	school	NOUN
ejif-8706	2	38	of	of	ADP
ejif-8706	2	39	business	business	NOUN
ejif-8706	2	40	,	,	PUNCT
ejif-8706	2	41	dundee	dundee	PROPN
ejif-8706	2	42	,	,	PUNCT
ejif-8706	2	43	united	united	ADJ
ejif-8706	2	44	kingdom	kingdom	PROPN
ejif-8706	2	45	(	(	PUNCT
ejif-8706	2	46	uk	uk	PROPN
ejif-8706	2	47	)	)	PUNCT
ejif-8706	2	48	.	.	PUNCT
ejif-8706	3	1	1	1	NUM
ejif-8706	3	2	-	-	SYM
ejif-8706	3	3	3	3	NUM
ejif-8706	3	4	perth	perth	NOUN
ejif-8706	3	5	road	road	NOUN
ejif-8706	3	6	,	,	PUNCT
ejif-8706	3	7	dundee	dundee	PROPN
ejif-8706	3	8	,	,	PUNCT
ejif-8706	3	9	dd1	dd1	NOUN
ejif-8706	3	10	4jw	4jw	ADJ
ejif-8706	3	11	email	email	NOUN
ejif-8706	3	12	:	:	PUNCT
ejif-8706	3	13	sulaimon55@yahoo.com	sulaimon55@yahoo.com	PROPN
ejif-8706	3	14	received	receive	VERB
ejif-8706	3	15	:	:	PUNCT
ejif-8706	3	16	10/11/2023	10/11/2023	NUM
ejif-8706	3	17	accepted	accept	VERB
ejif-8706	3	18	for	for	ADP
ejif-8706	3	19	publication	publication	NOUN
ejif-8706	3	20	:	:	PUNCT
ejif-8706	3	21	02/12/2024	02/12/2024	NUM
ejif-8706	3	22	published	publish	VERB
ejif-8706	3	23	:	:	PUNCT
ejif-8706	3	24	23/12/2024	23/12/2024	NUM
ejif-8706	3	25	abstract	abstract	NOUN
ejif-8706	3	26	the	the	DET
ejif-8706	3	27	conceptual	conceptual	ADJ
ejif-8706	3	28	framework	framework	NOUN
ejif-8706	3	29	of	of	ADP
ejif-8706	3	30	islamic	islamic	ADJ
ejif-8706	3	31	banking	banking	NOUN
ejif-8706	3	32	and	and	CCONJ
ejif-8706	3	33	finance	finance	NOUN
ejif-8706	3	34	is	be	AUX
ejif-8706	3	35	predicated	predicate	VERB
ejif-8706	3	36	on	on	ADP
ejif-8706	3	37	prohibiting	prohibit	VERB
ejif-8706	3	38	riba	riba	PROPN
ejif-8706	3	39	(	(	PUNCT
ejif-8706	3	40	interest	interest	NOUN
ejif-8706	3	41	)	)	PUNCT
ejif-8706	3	42	and	and	CCONJ
ejif-8706	3	43	avoiding	avoid	VERB
ejif-8706	3	44	business	business	NOUN
ejif-8706	3	45	practices	practice	NOUN
ejif-8706	3	46	that	that	PRON
ejif-8706	3	47	contravene	contravene	VERB
ejif-8706	3	48	ethical	ethical	ADJ
ejif-8706	3	49	norms	norm	NOUN
ejif-8706	3	50	,	,	PUNCT
ejif-8706	3	51	potentially	potentially	ADV
ejif-8706	3	52	leading	lead	VERB
ejif-8706	3	53	to	to	ADP
ejif-8706	3	54	injustice	injustice	NOUN
ejif-8706	3	55	.	.	PUNCT
ejif-8706	4	1	notwithstanding	notwithstanding	ADP
ejif-8706	4	2	its	its	PRON
ejif-8706	4	3	professed	professed	ADJ
ejif-8706	4	4	commitment	commitment	NOUN
ejif-8706	4	5	to	to	PART
ejif-8706	4	6	eschew	eschew	VERB
ejif-8706	4	7	interest	interest	NOUN
ejif-8706	4	8	-	-	PUNCT
ejif-8706	4	9	based	base	VERB
ejif-8706	4	10	transactions	transaction	NOUN
ejif-8706	4	11	,	,	PUNCT
ejif-8706	4	12	there	there	PRON
ejif-8706	4	13	is	be	VERB
ejif-8706	4	14	a	a	DET
ejif-8706	4	15	prevalent	prevalent	ADJ
ejif-8706	4	16	concern	concern	NOUN
ejif-8706	4	17	among	among	ADP
ejif-8706	4	18	scholars	scholar	NOUN
ejif-8706	4	19	and	and	CCONJ
ejif-8706	4	20	researchers	researcher	NOUN
ejif-8706	4	21	that	that	PRON
ejif-8706	4	22	islamic	islamic	ADJ
ejif-8706	4	23	banking	banking	NOUN
ejif-8706	4	24	remains	remain	VERB
ejif-8706	4	25	susceptible	susceptible	ADJ
ejif-8706	4	26	to	to	ADP
ejif-8706	4	27	the	the	DET
ejif-8706	4	28	vicissitudes	vicissitude	NOUN
ejif-8706	4	29	of	of	ADP
ejif-8706	4	30	interest	interest	NOUN
ejif-8706	4	31	rate	rate	NOUN
ejif-8706	4	32	fluctuations	fluctuation	NOUN
ejif-8706	4	33	.	.	PUNCT
ejif-8706	5	1	this	this	DET
ejif-8706	5	2	research	research	NOUN
ejif-8706	5	3	examines	examine	VERB
ejif-8706	5	4	the	the	DET
ejif-8706	5	5	nexus	nexus	NOUN
ejif-8706	5	6	between	between	ADP
ejif-8706	5	7	interest	interest	NOUN
ejif-8706	5	8	rates	rate	NOUN
ejif-8706	5	9	and	and	CCONJ
ejif-8706	5	10	islamic	islamic	PROPN
ejif-8706	5	11	bank	bank	PROPN
ejif-8706	5	12	financing	financing	NOUN
ejif-8706	5	13	within	within	ADP
ejif-8706	5	14	the	the	DET
ejif-8706	5	15	united	united	ADJ
ejif-8706	5	16	kingdom	kingdom	PROPN
ejif-8706	5	17	,	,	PUNCT
ejif-8706	5	18	which	which	PRON
ejif-8706	5	19	is	be	AUX
ejif-8706	5	20	recognised	recognise	VERB
ejif-8706	5	21	as	as	ADP
ejif-8706	5	22	a	a	DET
ejif-8706	5	23	pivotal	pivotal	ADJ
ejif-8706	5	24	centre	centre	NOUN
ejif-8706	5	25	for	for	ADP
ejif-8706	5	26	islamic	islamic	ADJ
ejif-8706	5	27	finance	finance	PROPN
ejif-8706	5	28	in	in	ADP
ejif-8706	5	29	europe	europe	PROPN
ejif-8706	5	30	.	.	PUNCT
ejif-8706	6	1	employing	employ	VERB
ejif-8706	6	2	a	a	DET
ejif-8706	6	3	panel	panel	NOUN
ejif-8706	6	4	dataset	dataset	VERB
ejif-8706	6	5	that	that	PRON
ejif-8706	6	6	includes	include	VERB
ejif-8706	6	7	60	60	NUM
ejif-8706	6	8	observations	observation	NOUN
ejif-8706	6	9	spanning	span	VERB
ejif-8706	6	10	from	from	ADP
ejif-8706	6	11	2008	2008	NUM
ejif-8706	6	12	to	to	ADP
ejif-8706	6	13	2021	2021	NUM
ejif-8706	6	14	,	,	PUNCT
ejif-8706	6	15	derived	derive	VERB
ejif-8706	6	16	from	from	ADP
ejif-8706	6	17	the	the	DET
ejif-8706	6	18	annual	annual	ADJ
ejif-8706	6	19	reports	report	NOUN
ejif-8706	6	20	of	of	ADP
ejif-8706	6	21	the	the	DET
ejif-8706	6	22	four	four	NUM
ejif-8706	6	23	fullfledged	fullfledged	ADJ
ejif-8706	6	24	islamic	islamic	ADJ
ejif-8706	6	25	banks	bank	NOUN
ejif-8706	6	26	in	in	ADP
ejif-8706	6	27	the	the	DET
ejif-8706	6	28	uk	uk	PROPN
ejif-8706	6	29	,	,	PUNCT
ejif-8706	6	30	and	and	CCONJ
ejif-8706	6	31	utilising	utilise	VERB
ejif-8706	6	32	the	the	DET
ejif-8706	6	33	random	random	ADJ
ejif-8706	6	34	effect	effect	NOUN
ejif-8706	6	35	model	model	NOUN
ejif-8706	6	36	,	,	PUNCT
ejif-8706	6	37	our	our	PRON
ejif-8706	6	38	analysis	analysis	NOUN
ejif-8706	6	39	discloses	disclose	VERB
ejif-8706	6	40	a	a	DET
ejif-8706	6	41	negative	negative	ADJ
ejif-8706	6	42	,	,	PUNCT
ejif-8706	6	43	albeit	albeit	SCONJ
ejif-8706	6	44	statistically	statistically	ADV
ejif-8706	6	45	insignificant	insignificant	ADJ
ejif-8706	6	46	,	,	PUNCT
ejif-8706	6	47	correlation	correlation	NOUN
ejif-8706	6	48	between	between	ADP
ejif-8706	6	49	the	the	DET
ejif-8706	6	50	financing	financing	NOUN
ejif-8706	6	51	activities	activity	NOUN
ejif-8706	6	52	of	of	ADP
ejif-8706	6	53	islamic	islamic	ADJ
ejif-8706	6	54	banks	bank	NOUN
ejif-8706	6	55	and	and	CCONJ
ejif-8706	6	56	interest	interest	NOUN
ejif-8706	6	57	rates	rate	NOUN
ejif-8706	6	58	in	in	ADP
ejif-8706	6	59	the	the	DET
ejif-8706	6	60	uk	uk	PROPN
ejif-8706	6	61	.	.	PUNCT
ejif-8706	7	1	furthermore	furthermore	ADV
ejif-8706	7	2	,	,	PUNCT
ejif-8706	7	3	the	the	DET
ejif-8706	7	4	study	study	NOUN
ejif-8706	7	5	elucidates	elucidate	VERB
ejif-8706	7	6	that	that	SCONJ
ejif-8706	7	7	interest	interest	NOUN
ejif-8706	7	8	rates	rate	NOUN
ejif-8706	7	9	adversely	adversely	ADV
ejif-8706	7	10	impact	impact	VERB
ejif-8706	7	11	deposit	deposit	NOUN
ejif-8706	7	12	accumulation	accumulation	NOUN
ejif-8706	7	13	in	in	ADP
ejif-8706	7	14	islamic	islamic	ADJ
ejif-8706	7	15	banks	bank	NOUN
ejif-8706	7	16	,	,	PUNCT
ejif-8706	7	17	consequently	consequently	ADV
ejif-8706	7	18	hindering	hinder	VERB
ejif-8706	7	19	their	their	PRON
ejif-8706	7	20	capacity	capacity	NOUN
ejif-8706	7	21	to	to	PART
ejif-8706	7	22	extend	extend	VERB
ejif-8706	7	23	credit	credit	NOUN
ejif-8706	7	24	to	to	ADP
ejif-8706	7	25	their	their	PRON
ejif-8706	7	26	clientele	clientele	NOUN
ejif-8706	7	27	.	.	PUNCT
ejif-8706	8	1	as	as	ADP
ejif-8706	8	2	a	a	DET
ejif-8706	8	3	result	result	NOUN
ejif-8706	8	4	,	,	PUNCT
ejif-8706	8	5	it	it	PRON
ejif-8706	8	6	becomes	become	VERB
ejif-8706	8	7	imperative	imperative	ADJ
ejif-8706	8	8	for	for	SCONJ
ejif-8706	8	9	islamic	islamic	ADJ
ejif-8706	8	10	banks	bank	NOUN
ejif-8706	8	11	to	to	PART
ejif-8706	8	12	diminish	diminish	VERB
ejif-8706	8	13	their	their	PRON
ejif-8706	8	14	dependency	dependency	NOUN
ejif-8706	8	15	on	on	ADP
ejif-8706	8	16	conventional	conventional	ADJ
ejif-8706	8	17	interest	interest	NOUN
ejif-8706	8	18	rates	rate	NOUN
ejif-8706	8	19	to	to	PART
ejif-8706	8	20	maintain	maintain	VERB
ejif-8706	8	21	the	the	DET
ejif-8706	8	22	trust	trust	NOUN
ejif-8706	8	23	of	of	ADP
ejif-8706	8	24	stakeholders	stakeholder	NOUN
ejif-8706	8	25	,	,	PUNCT
ejif-8706	8	26	who	who	PRON
ejif-8706	8	27	are	be	AUX
ejif-8706	8	28	motivated	motivate	VERB
ejif-8706	8	29	by	by	ADP
ejif-8706	8	30	the	the	DET
ejif-8706	8	31	intention	intention	NOUN
ejif-8706	8	32	to	to	PART
ejif-8706	8	33	avoid	avoid	VERB
ejif-8706	8	34	interest	interest	NOUN
ejif-8706	8	35	-	-	PUNCT
ejif-8706	8	36	based	base	VERB
ejif-8706	8	37	transactions	transaction	NOUN
ejif-8706	8	38	in	in	ADP
ejif-8706	8	39	all	all	DET
ejif-8706	8	40	their	their	PRON
ejif-8706	8	41	manifestations	manifestation	NOUN
ejif-8706	8	42	.	.	PUNCT
ejif-8706	9	1	this	this	DET
ejif-8706	9	2	study	study	NOUN
ejif-8706	9	3	contributes	contribute	VERB
ejif-8706	9	4	to	to	ADP
ejif-8706	9	5	the	the	DET
ejif-8706	9	6	enrichment	enrichment	NOUN
ejif-8706	9	7	of	of	ADP
ejif-8706	9	8	the	the	DET
ejif-8706	9	9	extant	extant	ADJ
ejif-8706	9	10	literature	literature	NOUN
ejif-8706	9	11	by	by	ADP
ejif-8706	9	12	convincingly	convincingly	ADV
ejif-8706	9	13	demonstrating	demonstrate	VERB
ejif-8706	9	14	that	that	SCONJ
ejif-8706	9	15	the	the	DET
ejif-8706	9	16	influence	influence	NOUN
ejif-8706	9	17	of	of	ADP
ejif-8706	9	18	interest	interest	NOUN
ejif-8706	9	19	rates	rate	NOUN
ejif-8706	9	20	on	on	ADP
ejif-8706	9	21	islamic	islamic	ADJ
ejif-8706	9	22	banking	banking	NOUN
ejif-8706	9	23	financing	financing	NOUN
ejif-8706	9	24	in	in	ADP
ejif-8706	9	25	the	the	DET
ejif-8706	9	26	uk	uk	PROPN
ejif-8706	9	27	aligns	align	VERB
ejif-8706	9	28	with	with	ADP
ejif-8706	9	29	the	the	DET
ejif-8706	9	30	findings	finding	NOUN
ejif-8706	9	31	from	from	ADP
ejif-8706	9	32	other	other	ADJ
ejif-8706	9	33	jurisdictions	jurisdiction	NOUN
ejif-8706	9	34	reported	report	VERB
ejif-8706	9	35	in	in	ADP
ejif-8706	9	36	similar	similar	ADJ
ejif-8706	9	37	research	research	NOUN
ejif-8706	9	38	endeavours	endeavour	NOUN
ejif-8706	9	39	.	.	PUNCT
ejif-8706	10	1	keywords	keyword	NOUN
ejif-8706	10	2	:	:	PUNCT
ejif-8706	10	3	islamic	islamic	ADJ
ejif-8706	10	4	banks	bank	NOUN
ejif-8706	10	5	,	,	PUNCT
ejif-8706	10	6	conventional	conventional	ADJ
ejif-8706	10	7	banks	bank	NOUN
ejif-8706	10	8	,	,	PUNCT
ejif-8706	10	9	interest	interest	NOUN
ejif-8706	10	10	rate	rate	NOUN
ejif-8706	10	11	,	,	PUNCT
ejif-8706	10	12	islamic	islamic	ADJ
ejif-8706	10	13	finance	finance	NOUN
ejif-8706	10	14	,	,	PUNCT
ejif-8706	10	15	united	united	PROPN
ejif-8706	10	16	kingdom	kingdom	PROPN
ejif-8706	10	17	european	european	PROPN
ejif-8706	10	18	journal	journal	PROPN
ejif-8706	10	19	of	of	ADP
ejif-8706	10	20	islamic	islamic	PROPN
ejif-8706	10	21	finance	finance	PROPN
ejif-8706	10	22	issn	issn	PROPN
ejif-8706	10	23	:	:	PUNCT
ejif-8706	10	24	2421	2421	NUM
ejif-8706	10	25	-	-	SYM
ejif-8706	10	26	2172	2172	NUM
ejif-8706	10	27	doi	doi	NOUN
ejif-8706	10	28	:	:	PUNCT
ejif-8706	10	29	10.13135/2421	10.13135/2421	NUM
ejif-8706	10	30	-	-	SYM
ejif-8706	10	31	2172/8706	2172/8706	NUM
ejif-8706	10	32	published	publish	VERB
ejif-8706	10	33	by	by	ADP
ejif-8706	10	34	university	university	PROPN
ejif-8706	10	35	of	of	ADP
ejif-8706	10	36	turin	turin	PROPN
ejif-8706	11	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	11	2	ejif	ejif	PROPN
ejif-8706	11	3	content	content	NOUN
ejif-8706	11	4	is	be	AUX
ejif-8706	11	5	licensed	license	VERB
ejif-8706	11	6	under	under	ADP
ejif-8706	11	7	a	a	DET
ejif-8706	11	8	creative	creative	ADJ
ejif-8706	11	9	commons	common	NOUN
ejif-8706	11	10	attribution	attribution	NOUN
ejif-8706	11	11	4.0	4.0	NUM
ejif-8706	11	12	international	international	ADJ
ejif-8706	11	13	license	license	NOUN
ejif-8706	11	14	48	48	NUM
ejif-8706	11	15	1	1	NUM
ejif-8706	11	16	.	.	PUNCT
ejif-8706	12	1	introduction	introduction	NOUN
ejif-8706	12	2	the	the	DET
ejif-8706	12	3	emergence	emergence	NOUN
ejif-8706	12	4	of	of	ADP
ejif-8706	12	5	islamic	islamic	ADJ
ejif-8706	12	6	banking	banking	NOUN
ejif-8706	12	7	is	be	AUX
ejif-8706	12	8	arguably	arguably	ADV
ejif-8706	12	9	one	one	NUM
ejif-8706	12	10	of	of	ADP
ejif-8706	12	11	the	the	DET
ejif-8706	12	12	most	most	ADV
ejif-8706	12	13	significant	significant	ADJ
ejif-8706	12	14	events	event	NOUN
ejif-8706	12	15	of	of	ADP
ejif-8706	12	16	the	the	DET
ejif-8706	12	17	21st	21st	ADJ
ejif-8706	12	18	century	century	NOUN
ejif-8706	12	19	in	in	ADP
ejif-8706	12	20	the	the	DET
ejif-8706	12	21	global	global	ADJ
ejif-8706	12	22	financial	financial	ADJ
ejif-8706	12	23	industry	industry	NOUN
ejif-8706	12	24	,	,	PUNCT
ejif-8706	12	25	growing	grow	VERB
ejif-8706	12	26	phenomenally	phenomenally	ADV
ejif-8706	12	27	across	across	ADP
ejif-8706	12	28	various	various	ADJ
ejif-8706	12	29	jurisdictions	jurisdiction	NOUN
ejif-8706	12	30	.	.	PUNCT
ejif-8706	13	1	particularly	particularly	ADV
ejif-8706	13	2	of	of	ADP
ejif-8706	13	3	interest	interest	NOUN
ejif-8706	13	4	is	be	AUX
ejif-8706	13	5	the	the	DET
ejif-8706	13	6	fact	fact	NOUN
ejif-8706	13	7	that	that	SCONJ
ejif-8706	13	8	the	the	DET
ejif-8706	13	9	sphere	sphere	NOUN
ejif-8706	13	10	of	of	ADP
ejif-8706	13	11	influence	influence	NOUN
ejif-8706	13	12	of	of	ADP
ejif-8706	13	13	islamic	islamic	ADJ
ejif-8706	13	14	banking	banking	NOUN
ejif-8706	13	15	has	have	AUX
ejif-8706	13	16	gone	go	VERB
ejif-8706	13	17	beyond	beyond	ADP
ejif-8706	13	18	the	the	DET
ejif-8706	13	19	traditional	traditional	ADJ
ejif-8706	13	20	islamic	islamic	ADJ
ejif-8706	13	21	countries	country	NOUN
ejif-8706	13	22	,	,	PUNCT
ejif-8706	13	23	extending	extend	VERB
ejif-8706	13	24	to	to	ADP
ejif-8706	13	25	asia	asia	PROPN
ejif-8706	13	26	and	and	CCONJ
ejif-8706	13	27	europe	europe	PROPN
ejif-8706	13	28	.	.	PUNCT
ejif-8706	14	1	presently	presently	ADV
ejif-8706	14	2	,	,	PUNCT
ejif-8706	14	3	a	a	DET
ejif-8706	14	4	little	little	ADJ
ejif-8706	14	5	above	above	ADP
ejif-8706	14	6	500	500	NUM
ejif-8706	14	7	islamic	islamic	ADJ
ejif-8706	14	8	banks	bank	NOUN
ejif-8706	14	9	are	be	AUX
ejif-8706	14	10	operating	operate	VERB
ejif-8706	14	11	in	in	ADP
ejif-8706	14	12	about	about	ADV
ejif-8706	14	13	90	90	NUM
ejif-8706	14	14	countries	country	NOUN
ejif-8706	14	15	across	across	ADP
ejif-8706	14	16	the	the	DET
ejif-8706	14	17	globe	globe	NOUN
ejif-8706	14	18	,	,	PUNCT
ejif-8706	14	19	15	15	NUM
ejif-8706	14	20	of	of	ADP
ejif-8706	14	21	which	which	PRON
ejif-8706	14	22	have	have	AUX
ejif-8706	14	23	attained	attain	VERB
ejif-8706	14	24	the	the	DET
ejif-8706	14	25	status	status	NOUN
ejif-8706	14	26	of	of	ADP
ejif-8706	14	27	systemic	systemic	ADJ
ejif-8706	14	28	significance	significance	NOUN
ejif-8706	14	29	(	(	PUNCT
ejif-8706	14	30	ifdi	ifdi	ADJ
ejif-8706	14	31	,	,	PUNCT
ejif-8706	14	32	2022	2022	NUM
ejif-8706	14	33	)	)	PUNCT
ejif-8706	14	34	.	.	PUNCT
ejif-8706	15	1	with	with	ADP
ejif-8706	15	2	a	a	DET
ejif-8706	15	3	total	total	ADJ
ejif-8706	15	4	asset	asset	NOUN
ejif-8706	15	5	jumping	jump	VERB
ejif-8706	15	6	from	from	ADP
ejif-8706	15	7	$	$	SYM
ejif-8706	15	8	1.6	1.6	NUM
ejif-8706	15	9	trillion	trillion	NUM
ejif-8706	15	10	in	in	ADP
ejif-8706	15	11	2015	2015	NUM
ejif-8706	15	12	to	to	PART
ejif-8706	15	13	$	$	SYM
ejif-8706	15	14	2.8	2.8	NUM
ejif-8706	15	15	trillion	trillion	NUM
ejif-8706	15	16	in	in	ADP
ejif-8706	15	17	2021	2021	NUM
ejif-8706	15	18	and	and	CCONJ
ejif-8706	15	19	a	a	DET
ejif-8706	15	20	projection	projection	NOUN
ejif-8706	15	21	of	of	ADP
ejif-8706	15	22	$	$	SYM
ejif-8706	15	23	4.0	4.0	NUM
ejif-8706	15	24	trillion	trillion	NUM
ejif-8706	15	25	by	by	ADP
ejif-8706	15	26	2026(ifdi	2026(ifdi	NUM
ejif-8706	15	27	,	,	PUNCT
ejif-8706	15	28	2022	2022	NUM
ejif-8706	15	29	)	)	PUNCT
ejif-8706	15	30	,	,	PUNCT
ejif-8706	15	31	islamic	islamic	ADJ
ejif-8706	15	32	banking	banking	NOUN
ejif-8706	15	33	is	be	AUX
ejif-8706	15	34	poised	poise	VERB
ejif-8706	15	35	to	to	PART
ejif-8706	15	36	sustain	sustain	VERB
ejif-8706	15	37	its	its	PRON
ejif-8706	15	38	growth	growth	NOUN
ejif-8706	15	39	trajectory	trajectory	NOUN
ejif-8706	15	40	beyond	beyond	ADP
ejif-8706	15	41	the	the	DET
ejif-8706	15	42	immediate	immediate	ADJ
ejif-8706	15	43	era	era	NOUN
ejif-8706	15	44	.	.	PUNCT
ejif-8706	16	1	a	a	DET
ejif-8706	16	2	well	well	ADV
ejif-8706	16	3	-	-	PUNCT
ejif-8706	16	4	known	know	VERB
ejif-8706	16	5	distinguishing	distinguish	VERB
ejif-8706	16	6	feature	feature	NOUN
ejif-8706	16	7	of	of	ADP
ejif-8706	16	8	islamic	islamic	ADJ
ejif-8706	16	9	banking	banking	NOUN
ejif-8706	16	10	is	be	AUX
ejif-8706	16	11	the	the	DET
ejif-8706	16	12	avoidance	avoidance	NOUN
ejif-8706	16	13	of	of	ADP
ejif-8706	16	14	interest	interest	NOUN
ejif-8706	16	15	.	.	PUNCT
ejif-8706	17	1	this	this	PRON
ejif-8706	17	2	is	be	AUX
ejif-8706	17	3	so	so	SCONJ
ejif-8706	17	4	because	because	SCONJ
ejif-8706	17	5	islam	islam	PROPN
ejif-8706	17	6	abhors	abhor	VERB
ejif-8706	17	7	and	and	CCONJ
ejif-8706	17	8	prohibits	prohibit	VERB
ejif-8706	17	9	riba	riba	PROPN
ejif-8706	17	10	(	(	PUNCT
ejif-8706	17	11	loosely	loosely	ADV
ejif-8706	17	12	interpreted	interpret	VERB
ejif-8706	17	13	as	as	ADP
ejif-8706	17	14	interest	interest	NOUN
ejif-8706	17	15	)	)	PUNCT
ejif-8706	17	16	,	,	PUNCT
ejif-8706	17	17	a	a	DET
ejif-8706	17	18	form	form	NOUN
ejif-8706	17	19	of	of	ADP
ejif-8706	17	20	excess	excess	NOUN
ejif-8706	17	21	repayable	repayable	ADJ
ejif-8706	17	22	by	by	ADP
ejif-8706	17	23	a	a	DET
ejif-8706	17	24	debtor	debtor	NOUN
ejif-8706	17	25	over	over	ADP
ejif-8706	17	26	the	the	DET
ejif-8706	17	27	original	original	ADJ
ejif-8706	17	28	amount	amount	NOUN
ejif-8706	17	29	borrowed	borrow	VERB
ejif-8706	17	30	.	.	PUNCT
ejif-8706	18	1	hence	hence	ADV
ejif-8706	18	2	,	,	PUNCT
ejif-8706	18	3	all	all	DET
ejif-8706	18	4	transactions	transaction	NOUN
ejif-8706	18	5	of	of	ADP
ejif-8706	18	6	an	an	DET
ejif-8706	18	7	islamic	islamic	PROPN
ejif-8706	18	8	bank	bank	NOUN
ejif-8706	18	9	are	be	AUX
ejif-8706	18	10	expected	expect	VERB
ejif-8706	18	11	to	to	PART
ejif-8706	18	12	be	be	AUX
ejif-8706	18	13	devoid	devoid	ADJ
ejif-8706	18	14	of	of	ADP
ejif-8706	18	15	paying	pay	VERB
ejif-8706	18	16	or	or	CCONJ
ejif-8706	18	17	receiving	receive	VERB
ejif-8706	18	18	interest	interest	NOUN
ejif-8706	18	19	.	.	PUNCT
ejif-8706	19	1	instead	instead	ADV
ejif-8706	19	2	,	,	PUNCT
ejif-8706	19	3	the	the	DET
ejif-8706	19	4	principle	principle	NOUN
ejif-8706	19	5	of	of	ADP
ejif-8706	19	6	profit	profit	NOUN
ejif-8706	19	7	and	and	CCONJ
ejif-8706	19	8	loss	loss	NOUN
ejif-8706	19	9	sharing	sharing	NOUN
ejif-8706	19	10	(	(	PUNCT
ejif-8706	19	11	pls	pls	INTJ
ejif-8706	19	12	)	)	PUNCT
ejif-8706	19	13	is	be	AUX
ejif-8706	19	14	adopted	adopt	VERB
ejif-8706	19	15	as	as	ADP
ejif-8706	19	16	the	the	DET
ejif-8706	19	17	basis	basis	NOUN
ejif-8706	19	18	of	of	ADP
ejif-8706	19	19	financing	financing	NOUN
ejif-8706	19	20	in	in	ADP
ejif-8706	19	21	islamic	islamic	ADJ
ejif-8706	19	22	banking	banking	NOUN
ejif-8706	19	23	.	.	PUNCT
ejif-8706	20	1	this	this	PRON
ejif-8706	20	2	ensures	ensure	VERB
ejif-8706	20	3	that	that	SCONJ
ejif-8706	20	4	stakeholders	stakeholder	NOUN
ejif-8706	20	5	in	in	ADP
ejif-8706	20	6	any	any	DET
ejif-8706	20	7	financial	financial	ADJ
ejif-8706	20	8	dealing	dealing	NOUN
ejif-8706	20	9	share	share	NOUN
ejif-8706	20	10	both	both	DET
ejif-8706	20	11	risks	risk	NOUN
ejif-8706	20	12	and	and	CCONJ
ejif-8706	20	13	benefits	benefit	NOUN
ejif-8706	20	14	from	from	ADP
ejif-8706	20	15	the	the	DET
ejif-8706	20	16	transaction	transaction	NOUN
ejif-8706	20	17	.	.	PUNCT
ejif-8706	21	1	islamic	islamic	ADJ
ejif-8706	21	2	banking	banking	NOUN
ejif-8706	21	3	is	be	AUX
ejif-8706	21	4	also	also	ADV
ejif-8706	21	5	asset	asset	NOUN
ejif-8706	21	6	-	-	PUNCT
ejif-8706	21	7	based	base	VERB
ejif-8706	21	8	as	as	ADP
ejif-8706	21	9	against	against	ADP
ejif-8706	21	10	conventional	conventional	ADJ
ejif-8706	21	11	banking	banking	NOUN
ejif-8706	21	12	,	,	PUNCT
ejif-8706	21	13	is	be	AUX
ejif-8706	21	14	interest	interest	NOUN
ejif-8706	21	15	-	-	PUNCT
ejif-8706	21	16	based	base	VERB
ejif-8706	21	17	;	;	PUNCT
ejif-8706	21	18	this	this	PRON
ejif-8706	21	19	makes	make	VERB
ejif-8706	21	20	it	it	PRON
ejif-8706	21	21	more	more	ADV
ejif-8706	21	22	resilient	resilient	ADJ
ejif-8706	21	23	during	during	ADP
ejif-8706	21	24	the	the	DET
ejif-8706	21	25	crisis	crisis	NOUN
ejif-8706	21	26	(	(	PUNCT
ejif-8706	21	27	m.	m.	NOUN
ejif-8706	21	28	h.	h.	PROPN
ejif-8706	21	29	ali	ali	PROPN
ejif-8706	21	30	et	et	PROPN
ejif-8706	21	31	al	al	PROPN
ejif-8706	21	32	.	.	PROPN
ejif-8706	21	33	,	,	PUNCT
ejif-8706	21	34	2020	2020	NUM
ejif-8706	21	35	)	)	PUNCT
ejif-8706	21	36	just	just	ADV
ejif-8706	21	37	as	as	SCONJ
ejif-8706	21	38	it	it	PRON
ejif-8706	21	39	is	be	AUX
ejif-8706	21	40	less	less	ADV
ejif-8706	21	41	prone	prone	ADJ
ejif-8706	21	42	to	to	ADP
ejif-8706	21	43	interest	interest	NOUN
ejif-8706	21	44	rate	rate	NOUN
ejif-8706	21	45	risk	risk	NOUN
ejif-8706	21	46	(	(	PUNCT
ejif-8706	21	47	kia	kia	PROPN
ejif-8706	21	48	&	&	CCONJ
ejif-8706	21	49	darrat	darrat	PROPN
ejif-8706	21	50	,	,	PUNCT
ejif-8706	21	51	2007	2007	NUM
ejif-8706	21	52	)	)	PUNCT
ejif-8706	21	53	.	.	PUNCT
ejif-8706	22	1	additionally	additionally	ADV
ejif-8706	22	2	,	,	PUNCT
ejif-8706	22	3	islamic	islamic	ADJ
ejif-8706	22	4	banks	bank	NOUN
ejif-8706	22	5	operate	operate	VERB
ejif-8706	22	6	based	base	VERB
ejif-8706	22	7	on	on	ADP
ejif-8706	22	8	another	another	DET
ejif-8706	22	9	set	set	NOUN
ejif-8706	22	10	of	of	ADP
ejif-8706	22	11	shari'ah	shari'ah	NOUN
ejif-8706	22	12	rules	rule	NOUN
ejif-8706	22	13	,	,	PUNCT
ejif-8706	22	14	which	which	PRON
ejif-8706	22	15	prohibit	prohibit	VERB
ejif-8706	22	16	gambling	gambling	NOUN
ejif-8706	22	17	,	,	PUNCT
ejif-8706	22	18	excessive	excessive	ADJ
ejif-8706	22	19	uncertainties	uncertainty	NOUN
ejif-8706	22	20	and	and	CCONJ
ejif-8706	22	21	dealing	deal	VERB
ejif-8706	22	22	in	in	ADP
ejif-8706	22	23	immoral	immoral	ADJ
ejif-8706	22	24	,	,	PUNCT
ejif-8706	22	25	unethical	unethical	ADJ
ejif-8706	22	26	'	'	PUNCT
ejif-8706	22	27	goods	good	NOUN
ejif-8706	22	28	'	'	PUNCT
ejif-8706	22	29	such	such	ADJ
ejif-8706	22	30	as	as	ADP
ejif-8706	22	31	pornography	pornography	NOUN
ejif-8706	22	32	.	.	PUNCT
ejif-8706	23	1	however	however	ADV
ejif-8706	23	2	,	,	PUNCT
ejif-8706	23	3	the	the	DET
ejif-8706	23	4	major	major	ADJ
ejif-8706	23	5	signpost	signpost	NOUN
ejif-8706	23	6	of	of	ADP
ejif-8706	23	7	islamic	islamic	ADJ
ejif-8706	23	8	banking	banking	NOUN
ejif-8706	23	9	remains	remain	VERB
ejif-8706	23	10	its	its	PRON
ejif-8706	23	11	non	non	ADJ
ejif-8706	23	12	-	-	ADJ
ejif-8706	23	13	interest	interest	ADJ
ejif-8706	23	14	disposition	disposition	NOUN
ejif-8706	23	15	.	.	PUNCT
ejif-8706	24	1	in	in	ADP
ejif-8706	24	2	most	most	ADJ
ejif-8706	24	3	jurisdictions	jurisdiction	NOUN
ejif-8706	24	4	,	,	PUNCT
ejif-8706	24	5	islamic	islamic	ADJ
ejif-8706	24	6	banks	bank	NOUN
ejif-8706	24	7	operate	operate	VERB
ejif-8706	24	8	alongside	alongside	ADP
ejif-8706	24	9	conventional	conventional	ADJ
ejif-8706	24	10	banks	bank	NOUN
ejif-8706	24	11	in	in	ADP
ejif-8706	24	12	a	a	DET
ejif-8706	24	13	dual	dual	ADJ
ejif-8706	24	14	banking	banking	NOUN
ejif-8706	24	15	system	system	NOUN
ejif-8706	24	16	,	,	PUNCT
ejif-8706	24	17	in	in	ADP
ejif-8706	24	18	the	the	DET
ejif-8706	24	19	same	same	ADJ
ejif-8706	24	20	market	market	NOUN
ejif-8706	24	21	,	,	PUNCT
ejif-8706	24	22	and	and	CCONJ
ejif-8706	24	23	under	under	ADP
ejif-8706	24	24	the	the	DET
ejif-8706	24	25	same	same	ADJ
ejif-8706	24	26	regulatory	regulatory	ADJ
ejif-8706	24	27	environments	environment	NOUN
ejif-8706	24	28	.	.	PUNCT
ejif-8706	25	1	this	this	PRON
ejif-8706	25	2	poses	pose	VERB
ejif-8706	25	3	a	a	DET
ejif-8706	25	4	significant	significant	ADJ
ejif-8706	25	5	challenge	challenge	NOUN
ejif-8706	25	6	to	to	ADP
ejif-8706	25	7	the	the	DET
ejif-8706	25	8	ability	ability	NOUN
ejif-8706	25	9	of	of	ADP
ejif-8706	25	10	islamic	islamic	ADJ
ejif-8706	25	11	banks	bank	NOUN
ejif-8706	25	12	to	to	PART
ejif-8706	25	13	maintain	maintain	VERB
ejif-8706	25	14	their	their	PRON
ejif-8706	25	15	distinct	distinct	ADJ
ejif-8706	25	16	identity	identity	NOUN
ejif-8706	25	17	(	(	PUNCT
ejif-8706	25	18	nouman	nouman	NOUN
ejif-8706	25	19	et	et	PROPN
ejif-8706	25	20	al	al	PROPN
ejif-8706	25	21	.	.	PROPN
ejif-8706	25	22	,	,	PUNCT
ejif-8706	25	23	2022	2022	NUM
ejif-8706	25	24	)	)	PUNCT
ejif-8706	25	25	.	.	PUNCT
ejif-8706	26	1	while	while	SCONJ
ejif-8706	26	2	islamic	islamic	ADJ
ejif-8706	26	3	banks	bank	NOUN
ejif-8706	26	4	do	do	AUX
ejif-8706	26	5	not	not	PART
ejif-8706	26	6	charge	charge	VERB
ejif-8706	26	7	or	or	CCONJ
ejif-8706	26	8	pay	pay	VERB
ejif-8706	26	9	interest	interest	NOUN
ejif-8706	26	10	,	,	PUNCT
ejif-8706	26	11	the	the	DET
ejif-8706	26	12	quest	quest	NOUN
ejif-8706	26	13	to	to	PART
ejif-8706	26	14	compete	compete	VERB
ejif-8706	26	15	effectively	effectively	ADV
ejif-8706	26	16	with	with	ADP
ejif-8706	26	17	conventional	conventional	ADJ
ejif-8706	26	18	banks	bank	NOUN
ejif-8706	26	19	has	have	AUX
ejif-8706	26	20	seen	see	VERB
ejif-8706	26	21	them	they	PRON
ejif-8706	26	22	benchmarking	benchmarke	VERB
ejif-8706	26	23	their	their	PRON
ejif-8706	26	24	products	product	NOUN
ejif-8706	26	25	against	against	ADP
ejif-8706	26	26	conventional	conventional	ADJ
ejif-8706	26	27	interest	interest	NOUN
ejif-8706	26	28	rates	rate	NOUN
ejif-8706	26	29	such	such	ADJ
ejif-8706	26	30	as	as	ADP
ejif-8706	26	31	the	the	DET
ejif-8706	26	32	london	london	PROPN
ejif-8706	26	33	interbank	interbank	NOUN
ejif-8706	26	34	offer	offer	NOUN
ejif-8706	26	35	rate	rate	NOUN
ejif-8706	26	36	(	(	PUNCT
ejif-8706	26	37	libor	libor	PROPN
ejif-8706	26	38	)	)	PUNCT
ejif-8706	26	39	,	,	PUNCT
ejif-8706	26	40	karachi	karachi	PROPN
ejif-8706	26	41	interbank	interbank	NOUN
ejif-8706	26	42	offer	offer	NOUN
ejif-8706	26	43	rate(kibor	rate(kibor	PROPN
ejif-8706	26	44	)	)	PUNCT
ejif-8706	26	45	,	,	PUNCT
ejif-8706	26	46	kuala	kuala	PROPN
ejif-8706	26	47	-	-	PUNCT
ejif-8706	26	48	lumpur	lumpur	NOUN
ejif-8706	26	49	interbank	interbank	NOUN
ejif-8706	26	50	offer	offer	NOUN
ejif-8706	26	51	rate	rate	NOUN
ejif-8706	26	52	(	(	PUNCT
ejif-8706	26	53	klibor	klibor	PROPN
ejif-8706	26	54	)	)	PUNCT
ejif-8706	26	55	etc.(ahmed	etc.(ahmed	PROPN
ejif-8706	26	56	et	et	PROPN
ejif-8706	26	57	al	al	PROPN
ejif-8706	26	58	.	.	PROPN
ejif-8706	26	59	,	,	PUNCT
ejif-8706	26	60	2018	2018	NUM
ejif-8706	26	61	;	;	PUNCT
ejif-8706	26	62	nouman	nouman	NOUN
ejif-8706	26	63	et	et	PROPN
ejif-8706	26	64	al	al	PROPN
ejif-8706	26	65	.	.	PROPN
ejif-8706	26	66	,	,	PUNCT
ejif-8706	26	67	2022	2022	NUM
ejif-8706	26	68	)	)	PUNCT
ejif-8706	26	69	.	.	PUNCT
ejif-8706	27	1	the	the	DET
ejif-8706	27	2	implication	implication	NOUN
ejif-8706	27	3	is	be	AUX
ejif-8706	27	4	that	that	SCONJ
ejif-8706	27	5	islamic	islamic	ADJ
ejif-8706	27	6	banks	bank	NOUN
ejif-8706	27	7	become	become	VERB
ejif-8706	27	8	exposed	expose	VERB
ejif-8706	27	9	to	to	ADP
ejif-8706	27	10	interest	interest	NOUN
ejif-8706	27	11	rate	rate	NOUN
ejif-8706	27	12	volatility	volatility	NOUN
ejif-8706	27	13	(	(	PUNCT
ejif-8706	27	14	archer	archer	PROPN
ejif-8706	27	15	&	&	CCONJ
ejif-8706	27	16	karim	karim	PROPN
ejif-8706	27	17	,	,	PUNCT
ejif-8706	27	18	2019	2019	NUM
ejif-8706	27	19	)	)	PUNCT
ejif-8706	27	20	.	.	PUNCT
ejif-8706	28	1	consequently	consequently	ADV
ejif-8706	28	2	,	,	PUNCT
ejif-8706	28	3	it	it	PRON
ejif-8706	28	4	would	would	AUX
ejif-8706	28	5	appear	appear	VERB
ejif-8706	28	6	that	that	SCONJ
ejif-8706	28	7	islamic	islamic	ADJ
ejif-8706	28	8	banks	bank	NOUN
ejif-8706	28	9	may	may	AUX
ejif-8706	28	10	have	have	AUX
ejif-8706	28	11	drifted	drift	VERB
ejif-8706	28	12	and	and	CCONJ
ejif-8706	28	13	deviated	deviate	VERB
ejif-8706	28	14	from	from	ADP
ejif-8706	28	15	the	the	DET
ejif-8706	28	16	lofty	lofty	ADJ
ejif-8706	28	17	ideal	ideal	NOUN
ejif-8706	28	18	model	model	NOUN
ejif-8706	28	19	(	(	PUNCT
ejif-8706	28	20	šeho	šeho	PROPN
ejif-8706	28	21	et	et	PROPN
ejif-8706	28	22	al	al	PROPN
ejif-8706	28	23	.	.	PROPN
ejif-8706	28	24	,	,	PUNCT
ejif-8706	28	25	2020a	2020a	NUM
ejif-8706	28	26	)	)	PUNCT
ejif-8706	28	27	.	.	PUNCT
ejif-8706	29	1	it	it	PRON
ejif-8706	29	2	is	be	AUX
ejif-8706	29	3	,	,	PUNCT
ejif-8706	29	4	therefore	therefore	ADV
ejif-8706	29	5	,	,	PUNCT
ejif-8706	29	6	not	not	PART
ejif-8706	29	7	surprising	surprising	ADJ
ejif-8706	29	8	that	that	SCONJ
ejif-8706	29	9	concerns	concern	NOUN
ejif-8706	29	10	are	be	AUX
ejif-8706	29	11	being	be	AUX
ejif-8706	29	12	raised	raise	VERB
ejif-8706	29	13	that	that	SCONJ
ejif-8706	29	14	the	the	DET
ejif-8706	29	15	activities	activity	NOUN
ejif-8706	29	16	of	of	ADP
ejif-8706	29	17	islamic	islamic	ADJ
ejif-8706	29	18	banks	bank	NOUN
ejif-8706	29	19	have	have	AUX
ejif-8706	29	20	continued	continue	VERB
ejif-8706	29	21	to	to	PART
ejif-8706	29	22	mirror	mirror	VERB
ejif-8706	29	23	those	those	PRON
ejif-8706	29	24	of	of	ADP
ejif-8706	29	25	conventional	conventional	ADJ
ejif-8706	29	26	banks	bank	NOUN
ejif-8706	29	27	not	not	PART
ejif-8706	29	28	only	only	ADV
ejif-8706	29	29	in	in	ADP
ejif-8706	29	30	terms	term	NOUN
ejif-8706	29	31	of	of	ADP
ejif-8706	29	32	product	product	NOUN
ejif-8706	29	33	offerings	offering	NOUN
ejif-8706	29	34	and	and	CCONJ
ejif-8706	29	35	benchmarking	benchmarking	NOUN
ejif-8706	29	36	of	of	ADP
ejif-8706	29	37	their	their	PRON
ejif-8706	29	38	profit	profit	NOUN
ejif-8706	29	39	rates	rate	NOUN
ejif-8706	29	40	against	against	ADP
ejif-8706	29	41	traditional	traditional	ADJ
ejif-8706	29	42	interest	interest	NOUN
ejif-8706	29	43	rates	rate	NOUN
ejif-8706	29	44	but	but	CCONJ
ejif-8706	29	45	also	also	ADV
ejif-8706	29	46	in	in	ADP
ejif-8706	29	47	terms	term	NOUN
ejif-8706	29	48	of	of	ADP
ejif-8706	29	49	how	how	SCONJ
ejif-8706	29	50	financing	financing	NOUN
ejif-8706	29	51	activities	activity	NOUN
ejif-8706	29	52	of	of	ADP
ejif-8706	29	53	islamic	islamic	ADJ
ejif-8706	29	54	banks	bank	NOUN
ejif-8706	29	55	appear	appear	VERB
ejif-8706	29	56	to	to	PART
ejif-8706	29	57	be	be	AUX
ejif-8706	29	58	driven	drive	VERB
ejif-8706	29	59	by	by	ADP
ejif-8706	29	60	gyrations	gyration	NOUN
ejif-8706	29	61	in	in	ADP
ejif-8706	29	62	interest	interest	NOUN
ejif-8706	29	63	rate	rate	NOUN
ejif-8706	29	64	.	.	PUNCT
ejif-8706	30	1	several	several	ADJ
ejif-8706	30	2	studies	study	NOUN
ejif-8706	30	3	have	have	AUX
ejif-8706	30	4	investigated	investigate	VERB
ejif-8706	30	5	the	the	DET
ejif-8706	30	6	link	link	NOUN
ejif-8706	30	7	between	between	ADP
ejif-8706	30	8	islamic	islamic	ADJ
ejif-8706	30	9	banking	banking	NOUN
ejif-8706	30	10	financing	financing	NOUN
ejif-8706	30	11	and	and	CCONJ
ejif-8706	30	12	interest	interest	NOUN
ejif-8706	30	13	rates	rate	NOUN
ejif-8706	30	14	and	and	CCONJ
ejif-8706	30	15	have	have	AUX
ejif-8706	30	16	found	find	VERB
ejif-8706	30	17	results	result	NOUN
ejif-8706	30	18	that	that	PRON
ejif-8706	30	19	largely	largely	ADV
ejif-8706	30	20	corroborate	corroborate	VERB
ejif-8706	30	21	the	the	DET
ejif-8706	30	22	insinuation	insinuation	NOUN
ejif-8706	30	23	that	that	SCONJ
ejif-8706	30	24	interest	interest	NOUN
ejif-8706	30	25	rates	rate	NOUN
ejif-8706	30	26	somewhat	somewhat	ADV
ejif-8706	30	27	drive	drive	VERB
ejif-8706	30	28	islamic	islamic	ADJ
ejif-8706	30	29	banking	banking	NOUN
ejif-8706	30	30	financing	financing	NOUN
ejif-8706	30	31	.	.	PUNCT
ejif-8706	31	1	these	these	DET
ejif-8706	31	2	studies	study	NOUN
ejif-8706	31	3	include	include	VERB
ejif-8706	31	4	aysan	aysan	ADJ
ejif-8706	31	5	,	,	PUNCT
ejif-8706	31	6	disli	disli	ADJ
ejif-8706	31	7	,	,	PUNCT
ejif-8706	31	8	&	&	CCONJ
ejif-8706	31	9	ozturk	ozturk	PROPN
ejif-8706	31	10	(	(	PUNCT
ejif-8706	31	11	2018	2018	NUM
ejif-8706	31	12	)	)	PUNCT
ejif-8706	31	13	;	;	PUNCT
ejif-8706	32	1	ergeç	ergeç	PROPN
ejif-8706	32	2	&	&	CCONJ
ejif-8706	32	3	arslan	arslan	PROPN
ejif-8706	32	4	(	(	PUNCT
ejif-8706	32	5	2013	2013	NUM
ejif-8706	32	6	;	;	PUNCT
ejif-8706	32	7	saeed	saeed	PROPN
ejif-8706	32	8	et	et	PROPN
ejif-8706	32	9	al	al	PROPN
ejif-8706	32	10	.	.	PROPN
ejif-8706	32	11	(	(	PUNCT
ejif-8706	32	12	2023	2023	NUM
ejif-8706	32	13	)	)	PUNCT
ejif-8706	32	14	;	;	PUNCT
ejif-8706	32	15	šeho	šeho	PROPN
ejif-8706	32	16	et	et	PROPN
ejif-8706	32	17	al	al	PROPN
ejif-8706	32	18	.	.	PROPN
ejif-8706	32	19	(	(	PUNCT
ejif-8706	32	20	2020a	2020a	NOUN
ejif-8706	32	21	)	)	PUNCT
ejif-8706	32	22	and	and	CCONJ
ejif-8706	32	23	zulkhibri	zulkhibri	NOUN
ejif-8706	32	24	(	(	PUNCT
ejif-8706	32	25	2018	2018	NUM
ejif-8706	32	26	)	)	PUNCT
ejif-8706	32	27	.	.	PUNCT
ejif-8706	33	1	however	however	ADV
ejif-8706	33	2	,	,	PUNCT
ejif-8706	33	3	all	all	DET
ejif-8706	33	4	the	the	DET
ejif-8706	33	5	studies	study	NOUN
ejif-8706	33	6	cited	cite	VERB
ejif-8706	33	7	above	above	ADV
ejif-8706	33	8	have	have	AUX
ejif-8706	33	9	focused	focus	VERB
ejif-8706	33	10	on	on	ADP
ejif-8706	33	11	islamic	islamic	ADJ
ejif-8706	33	12	banks	bank	NOUN
ejif-8706	33	13	in	in	ADP
ejif-8706	33	14	the	the	DET
ejif-8706	33	15	gcc	gcc	NOUN
ejif-8706	33	16	countries	country	NOUN
ejif-8706	33	17	or	or	CCONJ
ejif-8706	33	18	south	south	ADJ
ejif-8706	33	19	-	-	PUNCT
ejif-8706	33	20	asian	asian	ADJ
ejif-8706	33	21	countries	country	NOUN
ejif-8706	33	22	.	.	PUNCT
ejif-8706	34	1	to	to	ADP
ejif-8706	34	2	my	my	PRON
ejif-8706	34	3	knowledge	knowledge	NOUN
ejif-8706	34	4	,	,	PUNCT
ejif-8706	34	5	no	no	DET
ejif-8706	34	6	study	study	NOUN
ejif-8706	34	7	has	have	AUX
ejif-8706	34	8	investigated	investigate	VERB
ejif-8706	34	9	the	the	DET
ejif-8706	34	10	effect	effect	NOUN
ejif-8706	34	11	of	of	ADP
ejif-8706	34	12	interest	interest	NOUN
ejif-8706	34	13	rates	rate	NOUN
ejif-8706	34	14	on	on	ADP
ejif-8706	34	15	islamic	islamic	PROPN
ejif-8706	34	16	bank	bank	PROPN
ejif-8706	34	17	financing	financing	NOUN
ejif-8706	34	18	in	in	ADP
ejif-8706	34	19	europe	europe	PROPN
ejif-8706	34	20	or	or	CCONJ
ejif-8706	34	21	elsewhere	elsewhere	ADV
ejif-8706	34	22	.	.	PUNCT
ejif-8706	35	1	therefore	therefore	ADV
ejif-8706	35	2	,	,	PUNCT
ejif-8706	35	3	this	this	DET
ejif-8706	35	4	study	study	NOUN
ejif-8706	35	5	seeks	seek	VERB
ejif-8706	35	6	to	to	PART
ejif-8706	35	7	fill	fill	VERB
ejif-8706	35	8	the	the	DET
ejif-8706	35	9	gap	gap	NOUN
ejif-8706	35	10	and	and	CCONJ
ejif-8706	35	11	expand	expand	VERB
ejif-8706	35	12	the	the	DET
ejif-8706	35	13	frontier	frontier	NOUN
ejif-8706	35	14	of	of	ADP
ejif-8706	35	15	knowledge	knowledge	NOUN
ejif-8706	35	16	by	by	ADP
ejif-8706	35	17	investigating	investigate	VERB
ejif-8706	35	18	the	the	DET
ejif-8706	35	19	effect	effect	NOUN
ejif-8706	35	20	of	of	ADP
ejif-8706	35	21	interest	interest	NOUN
ejif-8706	35	22	rates	rate	NOUN
ejif-8706	35	23	on	on	ADP
ejif-8706	35	24	islamic	islamic	PROPN
ejif-8706	35	25	bank	bank	PROPN
ejif-8706	35	26	financing	financing	NOUN
ejif-8706	35	27	in	in	ADP
ejif-8706	35	28	the	the	DET
ejif-8706	35	29	united	united	ADJ
ejif-8706	35	30	kingdom	kingdom	PROPN
ejif-8706	35	31	.	.	PUNCT
ejif-8706	36	1	in	in	ADP
ejif-8706	36	2	achieving	achieve	VERB
ejif-8706	36	3	the	the	DET
ejif-8706	36	4	set	set	NOUN
ejif-8706	36	5	objective	objective	NOUN
ejif-8706	36	6	,	,	PUNCT
ejif-8706	36	7	the	the	DET
ejif-8706	36	8	study	study	NOUN
ejif-8706	36	9	specifically	specifically	ADV
ejif-8706	36	10	aims	aim	VERB
ejif-8706	36	11	to	to	PART
ejif-8706	36	12	answer	answer	VERB
ejif-8706	36	13	the	the	DET
ejif-8706	36	14	following	follow	VERB
ejif-8706	36	15	questions	question	NOUN
ejif-8706	36	16	:	:	PUNCT
ejif-8706	36	17	european	european	PROPN
ejif-8706	36	18	journal	journal	PROPN
ejif-8706	36	19	of	of	ADP
ejif-8706	36	20	islamic	islamic	PROPN
ejif-8706	36	21	finance	finance	PROPN
ejif-8706	36	22	issn	issn	PROPN
ejif-8706	36	23	:	:	PUNCT
ejif-8706	36	24	2421	2421	NUM
ejif-8706	36	25	-	-	SYM
ejif-8706	36	26	2172	2172	NUM
ejif-8706	36	27	doi	doi	NOUN
ejif-8706	36	28	:	:	PUNCT
ejif-8706	36	29	10.13135/2421	10.13135/2421	NUM
ejif-8706	36	30	-	-	SYM
ejif-8706	36	31	2172/8706	2172/8706	NUM
ejif-8706	36	32	published	publish	VERB
ejif-8706	36	33	by	by	ADP
ejif-8706	36	34	university	university	PROPN
ejif-8706	36	35	of	of	ADP
ejif-8706	36	36	turin	turin	PROPN
ejif-8706	37	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	37	2	ejif	ejif	PROPN
ejif-8706	37	3	content	content	NOUN
ejif-8706	37	4	is	be	AUX
ejif-8706	37	5	licensed	license	VERB
ejif-8706	37	6	under	under	ADP
ejif-8706	37	7	a	a	DET
ejif-8706	37	8	creative	creative	ADJ
ejif-8706	37	9	commons	common	NOUN
ejif-8706	37	10	attribution	attribution	NOUN
ejif-8706	37	11	4.0	4.0	NUM
ejif-8706	37	12	international	international	ADJ
ejif-8706	37	13	license	license	NOUN
ejif-8706	37	14	49	49	NUM
ejif-8706	37	15	rq1	rq1	NOUN
ejif-8706	37	16	:	:	PUNCT
ejif-8706	37	17	is	be	AUX
ejif-8706	37	18	islamic	islamic	PROPN
ejif-8706	37	19	bank	bank	PROPN
ejif-8706	37	20	financing	financing	NOUN
ejif-8706	37	21	in	in	ADP
ejif-8706	37	22	the	the	DET
ejif-8706	37	23	uk	uk	PROPN
ejif-8706	37	24	influenced	influence	VERB
ejif-8706	37	25	by	by	ADP
ejif-8706	37	26	changes	change	NOUN
ejif-8706	37	27	in	in	ADP
ejif-8706	37	28	the	the	DET
ejif-8706	37	29	interest	interest	NOUN
ejif-8706	37	30	rate	rate	NOUN
ejif-8706	37	31	?	?	PUNCT
ejif-8706	38	1	rq2	rq2	NOUN
ejif-8706	38	2	:	:	PUNCT
ejif-8706	38	3	how	how	SCONJ
ejif-8706	38	4	does	do	AUX
ejif-8706	38	5	an	an	DET
ejif-8706	38	6	islamic	islamic	PROPN
ejif-8706	38	7	bank	bank	PROPN
ejif-8706	38	8	deposit	deposit	NOUN
ejif-8706	38	9	respond	respond	VERB
ejif-8706	38	10	to	to	ADP
ejif-8706	38	11	changes	change	NOUN
ejif-8706	38	12	in	in	ADP
ejif-8706	38	13	interest	interest	NOUN
ejif-8706	38	14	rate	rate	NOUN
ejif-8706	38	15	?	?	PUNCT
ejif-8706	39	1	the	the	DET
ejif-8706	39	2	choice	choice	NOUN
ejif-8706	39	3	of	of	ADP
ejif-8706	39	4	the	the	DET
ejif-8706	39	5	uk	uk	PROPN
ejif-8706	39	6	is	be	AUX
ejif-8706	39	7	based	base	VERB
ejif-8706	39	8	on	on	ADP
ejif-8706	39	9	the	the	DET
ejif-8706	39	10	country	country	NOUN
ejif-8706	39	11	's	's	PART
ejif-8706	39	12	position	position	NOUN
ejif-8706	39	13	as	as	ADP
ejif-8706	39	14	the	the	DET
ejif-8706	39	15	hub	hub	NOUN
ejif-8706	39	16	of	of	ADP
ejif-8706	39	17	islamic	islamic	ADJ
ejif-8706	39	18	finance	finance	PROPN
ejif-8706	39	19	in	in	ADP
ejif-8706	39	20	europe	europe	PROPN
ejif-8706	39	21	.	.	PUNCT
ejif-8706	40	1	outside	outside	ADP
ejif-8706	40	2	of	of	ADP
ejif-8706	40	3	the	the	DET
ejif-8706	40	4	muslimdominated	muslimdominate	VERB
ejif-8706	40	5	countries	country	NOUN
ejif-8706	40	6	of	of	ADP
ejif-8706	40	7	southeast	southeast	PROPN
ejif-8706	40	8	asia	asia	PROPN
ejif-8706	40	9	and	and	CCONJ
ejif-8706	40	10	the	the	DET
ejif-8706	40	11	middle	middle	PROPN
ejif-8706	40	12	east	east	PROPN
ejif-8706	40	13	,	,	PUNCT
ejif-8706	40	14	the	the	DET
ejif-8706	40	15	united	united	PROPN
ejif-8706	40	16	kingdom	kingdom	NOUN
ejif-8706	40	17	is	be	AUX
ejif-8706	40	18	one	one	NUM
ejif-8706	40	19	country	country	NOUN
ejif-8706	40	20	where	where	SCONJ
ejif-8706	40	21	islamic	islamic	ADJ
ejif-8706	40	22	finance	finance	NOUN
ejif-8706	40	23	has	have	AUX
ejif-8706	40	24	shown	show	VERB
ejif-8706	40	25	strong	strong	ADJ
ejif-8706	40	26	signs	sign	NOUN
ejif-8706	40	27	of	of	ADP
ejif-8706	40	28	a	a	DET
ejif-8706	40	29	promising	promising	ADJ
ejif-8706	40	30	future	future	NOUN
ejif-8706	40	31	.	.	PUNCT
ejif-8706	41	1	according	accord	VERB
ejif-8706	41	2	to	to	ADP
ejif-8706	41	3	the	the	DET
ejif-8706	41	4	islamic	islamic	PROPN
ejif-8706	41	5	finance	finance	PROPN
ejif-8706	41	6	development	development	NOUN
ejif-8706	41	7	indicators	indicator	NOUN
ejif-8706	41	8	,	,	PUNCT
ejif-8706	41	9	ifdi	ifdi	ADJ
ejif-8706	41	10	(	(	PUNCT
ejif-8706	41	11	2022	2022	NUM
ejif-8706	41	12	)	)	PUNCT
ejif-8706	41	13	report	report	NOUN
ejif-8706	41	14	,	,	PUNCT
ejif-8706	41	15	the	the	DET
ejif-8706	41	16	uk	uk	PROPN
ejif-8706	41	17	's	's	PART
ejif-8706	41	18	total	total	ADJ
ejif-8706	41	19	islamic	islamic	ADJ
ejif-8706	41	20	banking	banking	NOUN
ejif-8706	41	21	assets	asset	NOUN
ejif-8706	41	22	,	,	PUNCT
ejif-8706	41	23	worth	worth	ADJ
ejif-8706	41	24	$	$	SYM
ejif-8706	41	25	7.5	7.5	NUM
ejif-8706	41	26	billion	billion	NUM
ejif-8706	41	27	as	as	ADP
ejif-8706	41	28	of	of	ADP
ejif-8706	41	29	2021	2021	NUM
ejif-8706	41	30	,	,	PUNCT
ejif-8706	41	31	accounted	account	VERB
ejif-8706	41	32	for	for	ADP
ejif-8706	41	33	85	85	NUM
ejif-8706	41	34	%	%	NOUN
ejif-8706	41	35	of	of	ADP
ejif-8706	41	36	total	total	ADJ
ejif-8706	41	37	islamic	islamic	ADJ
ejif-8706	41	38	banking	banking	NOUN
ejif-8706	41	39	assets	asset	NOUN
ejif-8706	41	40	in	in	ADP
ejif-8706	41	41	europe	europe	PROPN
ejif-8706	41	42	.	.	PUNCT
ejif-8706	42	1	the	the	DET
ejif-8706	42	2	uk	uk	PROPN
ejif-8706	42	3	also	also	ADV
ejif-8706	42	4	ranked	rank	VERB
ejif-8706	42	5	27th	27th	NOUN
ejif-8706	42	6	out	out	ADP
ejif-8706	42	7	of	of	ADP
ejif-8706	42	8	136	136	NUM
ejif-8706	42	9	countries	country	NOUN
ejif-8706	42	10	in	in	ADP
ejif-8706	42	11	terms	term	NOUN
ejif-8706	42	12	of	of	ADP
ejif-8706	42	13	growth	growth	NOUN
ejif-8706	42	14	of	of	ADP
ejif-8706	42	15	islamic	islamic	ADJ
ejif-8706	42	16	finance	finance	NOUN
ejif-8706	42	17	.	.	PUNCT
ejif-8706	43	1	despite	despite	SCONJ
ejif-8706	43	2	controlling	control	VERB
ejif-8706	43	3	only	only	ADV
ejif-8706	43	4	0.3	0.3	NUM
ejif-8706	43	5	%	%	NOUN
ejif-8706	43	6	of	of	ADP
ejif-8706	43	7	global	global	ADJ
ejif-8706	43	8	islamic	islamic	ADJ
ejif-8706	43	9	banking	banking	NOUN
ejif-8706	43	10	assets	asset	NOUN
ejif-8706	43	11	,	,	PUNCT
ejif-8706	43	12	the	the	DET
ejif-8706	43	13	uk	uk	PROPN
ejif-8706	43	14	occupies	occupy	VERB
ejif-8706	43	15	an	an	DET
ejif-8706	43	16	enviable	enviable	ADJ
ejif-8706	43	17	2nd	2nd	ADJ
ejif-8706	43	18	position	position	NOUN
ejif-8706	43	19	regarding	regard	VERB
ejif-8706	43	20	the	the	DET
ejif-8706	43	21	number	number	NOUN
ejif-8706	43	22	of	of	ADP
ejif-8706	43	23	companies	company	NOUN
ejif-8706	43	24	offering	offer	VERB
ejif-8706	43	25	islamic	islamic	ADJ
ejif-8706	43	26	financerelated	financerelate	VERB
ejif-8706	43	27	professional	professional	ADJ
ejif-8706	43	28	services	service	NOUN
ejif-8706	43	29	.	.	PUNCT
ejif-8706	44	1	after	after	ADP
ejif-8706	44	2	indonesia	indonesia	PROPN
ejif-8706	44	3	,	,	PUNCT
ejif-8706	44	4	the	the	DET
ejif-8706	44	5	uk	uk	PROPN
ejif-8706	44	6	also	also	ADV
ejif-8706	44	7	comes	come	VERB
ejif-8706	44	8	second	second	ADV
ejif-8706	44	9	in	in	ADP
ejif-8706	44	10	the	the	DET
ejif-8706	44	11	number	number	NOUN
ejif-8706	44	12	of	of	ADP
ejif-8706	44	13	islamic	islamic	ADJ
ejif-8706	44	14	fintech	fintech	NOUN
ejif-8706	44	15	companies	company	NOUN
ejif-8706	44	16	.	.	PUNCT
ejif-8706	45	1	it	it	PRON
ejif-8706	45	2	is	be	AUX
ejif-8706	45	3	also	also	ADV
ejif-8706	45	4	remarkable	remarkable	ADJ
ejif-8706	45	5	to	to	PART
ejif-8706	45	6	note	note	VERB
ejif-8706	45	7	that	that	SCONJ
ejif-8706	45	8	the	the	DET
ejif-8706	45	9	london	london	PROPN
ejif-8706	45	10	stock	stock	NOUN
ejif-8706	45	11	exchange	exchange	NOUN
ejif-8706	45	12	has	have	AUX
ejif-8706	45	13	become	become	VERB
ejif-8706	45	14	a	a	DET
ejif-8706	45	15	preferred	preferred	ADJ
ejif-8706	45	16	exchange	exchange	NOUN
ejif-8706	45	17	for	for	ADP
ejif-8706	45	18	listing	list	VERB
ejif-8706	45	19	sukuk	sukuk	NOUN
ejif-8706	45	20	.	.	PUNCT
ejif-8706	46	1	interestingly	interestingly	ADV
ejif-8706	46	2	,	,	PUNCT
ejif-8706	46	3	the	the	DET
ejif-8706	46	4	uk	uk	PROPN
ejif-8706	46	5	authorities	authority	NOUN
ejif-8706	46	6	have	have	AUX
ejif-8706	46	7	reacted	react	VERB
ejif-8706	46	8	to	to	ADP
ejif-8706	46	9	the	the	DET
ejif-8706	46	10	growth	growth	NOUN
ejif-8706	46	11	of	of	ADP
ejif-8706	46	12	this	this	DET
ejif-8706	46	13	industry	industry	NOUN
ejif-8706	46	14	by	by	ADP
ejif-8706	46	15	ensuring	ensure	VERB
ejif-8706	46	16	that	that	SCONJ
ejif-8706	46	17	regulations	regulation	NOUN
ejif-8706	46	18	governing	govern	VERB
ejif-8706	46	19	financial	financial	ADJ
ejif-8706	46	20	services	service	NOUN
ejif-8706	46	21	in	in	ADP
ejif-8706	46	22	the	the	DET
ejif-8706	46	23	uk	uk	PROPN
ejif-8706	46	24	give	give	VERB
ejif-8706	46	25	adequate	adequate	ADJ
ejif-8706	46	26	recognition	recognition	NOUN
ejif-8706	46	27	to	to	ADP
ejif-8706	46	28	this	this	DET
ejif-8706	46	29	segment	segment	NOUN
ejif-8706	46	30	of	of	ADP
ejif-8706	46	31	the	the	DET
ejif-8706	46	32	industry	industry	NOUN
ejif-8706	46	33	.	.	PUNCT
ejif-8706	47	1	tax	tax	NOUN
ejif-8706	47	2	laws	law	NOUN
ejif-8706	47	3	on	on	ADP
ejif-8706	47	4	financial	financial	ADJ
ejif-8706	47	5	products	product	NOUN
ejif-8706	47	6	and	and	CCONJ
ejif-8706	47	7	services	service	NOUN
ejif-8706	47	8	have	have	AUX
ejif-8706	47	9	also	also	ADV
ejif-8706	47	10	been	be	AUX
ejif-8706	47	11	amended	amend	VERB
ejif-8706	47	12	to	to	PART
ejif-8706	47	13	apply	apply	VERB
ejif-8706	47	14	to	to	ADP
ejif-8706	47	15	islamic	islamic	PROPN
ejif-8706	47	16	bank	bank	PROPN
ejif-8706	47	17	's	's	PART
ejif-8706	47	18	products	product	NOUN
ejif-8706	47	19	appropriately	appropriately	ADV
ejif-8706	47	20	.	.	PUNCT
ejif-8706	48	1	perhaps	perhaps	ADV
ejif-8706	48	2	most	most	ADV
ejif-8706	48	3	significant	significant	ADJ
ejif-8706	48	4	is	be	AUX
ejif-8706	48	5	the	the	DET
ejif-8706	48	6	issuance	issuance	NOUN
ejif-8706	48	7	of	of	ADP
ejif-8706	48	8	the	the	DET
ejif-8706	48	9	uk	uk	PROPN
ejif-8706	48	10	government	government	NOUN
ejif-8706	48	11	's	's	PART
ejif-8706	48	12	first	first	ADJ
ejif-8706	48	13	-	-	PUNCT
ejif-8706	48	14	ever	ever	ADV
ejif-8706	48	15	sovereign	sovereign	ADJ
ejif-8706	48	16	sukuk	sukuk	NOUN
ejif-8706	48	17	in	in	ADP
ejif-8706	48	18	the	the	DET
ejif-8706	48	19	west	west	NOUN
ejif-8706	48	20	in	in	ADP
ejif-8706	48	21	2014(british	2014(british	NUM
ejif-8706	48	22	embassy	embassy	NOUN
ejif-8706	48	23	,	,	PUNCT
ejif-8706	48	24	bishkek	bishkek	PROPN
ejif-8706	48	25	,	,	PUNCT
ejif-8706	48	26	2023	2023	NUM
ejif-8706	48	27	)	)	PUNCT
ejif-8706	48	28	.	.	PUNCT
ejif-8706	49	1	the	the	DET
ejif-8706	49	2	remainder	remainder	NOUN
ejif-8706	49	3	of	of	ADP
ejif-8706	49	4	the	the	DET
ejif-8706	49	5	study	study	NOUN
ejif-8706	49	6	is	be	AUX
ejif-8706	49	7	structured	structure	VERB
ejif-8706	49	8	as	as	SCONJ
ejif-8706	49	9	follows	follow	VERB
ejif-8706	49	10	:	:	PUNCT
ejif-8706	49	11	section	section	NOUN
ejif-8706	49	12	two	two	NUM
ejif-8706	49	13	discusses	discuss	VERB
ejif-8706	49	14	the	the	DET
ejif-8706	49	15	theoretical	theoretical	ADJ
ejif-8706	49	16	and	and	CCONJ
ejif-8706	49	17	empirical	empirical	ADJ
ejif-8706	49	18	literature	literature	NOUN
ejif-8706	49	19	on	on	ADP
ejif-8706	49	20	the	the	DET
ejif-8706	49	21	topic	topic	NOUN
ejif-8706	49	22	,	,	PUNCT
ejif-8706	49	23	while	while	SCONJ
ejif-8706	49	24	section	section	NOUN
ejif-8706	49	25	three	three	NUM
ejif-8706	49	26	sets	set	VERB
ejif-8706	49	27	out	out	ADP
ejif-8706	49	28	the	the	DET
ejif-8706	49	29	data	data	NOUN
ejif-8706	49	30	specification	specification	NOUN
ejif-8706	49	31	and	and	CCONJ
ejif-8706	49	32	methodology	methodology	NOUN
ejif-8706	49	33	.	.	PUNCT
ejif-8706	50	1	section	section	NOUN
ejif-8706	50	2	four	four	NUM
ejif-8706	50	3	is	be	AUX
ejif-8706	50	4	dedicated	dedicate	VERB
ejif-8706	50	5	to	to	ADP
ejif-8706	50	6	the	the	DET
ejif-8706	50	7	presentation	presentation	NOUN
ejif-8706	50	8	of	of	ADP
ejif-8706	50	9	the	the	DET
ejif-8706	50	10	results	result	NOUN
ejif-8706	50	11	and	and	CCONJ
ejif-8706	50	12	a	a	DET
ejif-8706	50	13	discussion	discussion	NOUN
ejif-8706	50	14	of	of	ADP
ejif-8706	50	15	key	key	ADJ
ejif-8706	50	16	findings	finding	NOUN
ejif-8706	50	17	.	.	PUNCT
ejif-8706	51	1	section	section	NOUN
ejif-8706	51	2	five	five	NUM
ejif-8706	51	3	concludes	conclude	VERB
ejif-8706	51	4	the	the	DET
ejif-8706	51	5	essay	essay	NOUN
ejif-8706	51	6	.	.	PUNCT
ejif-8706	52	1	2	2	X
ejif-8706	52	2	.	.	X
ejif-8706	52	3	literature	literature	NOUN
ejif-8706	52	4	review	review	VERB
ejif-8706	52	5	one	one	NUM
ejif-8706	52	6	of	of	ADP
ejif-8706	52	7	the	the	DET
ejif-8706	52	8	earliest	early	ADJ
ejif-8706	52	9	works	work	NOUN
ejif-8706	52	10	on	on	ADP
ejif-8706	52	11	this	this	DET
ejif-8706	52	12	subject	subject	NOUN
ejif-8706	52	13	matter	matter	NOUN
ejif-8706	52	14	is	be	AUX
ejif-8706	52	15	that	that	PRON
ejif-8706	52	16	of	of	ADP
ejif-8706	52	17	rosly	rosly	ADV
ejif-8706	52	18	(	(	PUNCT
ejif-8706	52	19	1999	1999	NUM
ejif-8706	52	20	)	)	PUNCT
ejif-8706	52	21	,	,	PUNCT
ejif-8706	52	22	who	who	PRON
ejif-8706	52	23	explained	explain	VERB
ejif-8706	52	24	the	the	DET
ejif-8706	52	25	relationship	relationship	NOUN
ejif-8706	52	26	between	between	ADP
ejif-8706	52	27	interest	interest	NOUN
ejif-8706	52	28	rates	rate	NOUN
ejif-8706	52	29	and	and	CCONJ
ejif-8706	52	30	islamic	islamic	ADJ
ejif-8706	52	31	bank	bank	PROPN
ejif-8706	52	32	financing	financing	NOUN
ejif-8706	52	33	.	.	PUNCT
ejif-8706	53	1	his	his	PRON
ejif-8706	53	2	postulations	postulation	NOUN
ejif-8706	53	3	are	be	AUX
ejif-8706	53	4	hinged	hinge	VERB
ejif-8706	53	5	on	on	ADP
ejif-8706	53	6	the	the	DET
ejif-8706	53	7	assumption	assumption	NOUN
ejif-8706	53	8	that	that	SCONJ
ejif-8706	53	9	islamic	islamic	PROPN
ejif-8706	53	10	bank	bank	PROPN
ejif-8706	53	11	financing	financing	NOUN
ejif-8706	53	12	is	be	AUX
ejif-8706	53	13	dominated	dominate	VERB
ejif-8706	53	14	by	by	ADP
ejif-8706	53	15	ba'i	ba'i	PROPN
ejif-8706	53	16	bithamana	bithamana	PROPN
ejif-8706	53	17	ajal	ajal	VERB
ejif-8706	53	18	(	(	PUNCT
ejif-8706	53	19	bba	bba	NOUN
ejif-8706	53	20	)	)	PUNCT
ejif-8706	53	21	,	,	PUNCT
ejif-8706	53	22	also	also	ADV
ejif-8706	53	23	known	know	VERB
ejif-8706	53	24	as	as	ADP
ejif-8706	53	25	differed	differ	VERB
ejif-8706	53	26	payment	payment	NOUN
ejif-8706	53	27	sales	sale	NOUN
ejif-8706	53	28	and	and	CCONJ
ejif-8706	53	29	that	that	SCONJ
ejif-8706	53	30	islamic	islamic	ADJ
ejif-8706	53	31	banks	bank	NOUN
ejif-8706	53	32	operate	operate	VERB
ejif-8706	53	33	in	in	ADP
ejif-8706	53	34	a	a	DET
ejif-8706	53	35	dual	dual	ADJ
ejif-8706	53	36	banking	banking	NOUN
ejif-8706	53	37	system	system	NOUN
ejif-8706	53	38	.	.	PUNCT
ejif-8706	54	1	according	accord	VERB
ejif-8706	54	2	to	to	ADP
ejif-8706	54	3	rosly	rosly	ADV
ejif-8706	54	4	,	,	PUNCT
ejif-8706	54	5	when	when	SCONJ
ejif-8706	54	6	the	the	DET
ejif-8706	54	7	market	market	NOUN
ejif-8706	54	8	interest	interest	NOUN
ejif-8706	54	9	rate	rate	NOUN
ejif-8706	54	10	rises	rise	NOUN
ejif-8706	54	11	,	,	PUNCT
ejif-8706	54	12	conventional	conventional	ADJ
ejif-8706	54	13	banks	bank	NOUN
ejif-8706	54	14	increase	increase	VERB
ejif-8706	54	15	the	the	DET
ejif-8706	54	16	interest	interest	NOUN
ejif-8706	54	17	on	on	ADP
ejif-8706	54	18	deposits	deposit	NOUN
ejif-8706	54	19	and	and	CCONJ
ejif-8706	54	20	raise	raise	VERB
ejif-8706	54	21	interest	interest	NOUN
ejif-8706	54	22	charges	charge	NOUN
ejif-8706	54	23	on	on	ADP
ejif-8706	54	24	loans	loan	NOUN
ejif-8706	54	25	to	to	PART
ejif-8706	54	26	maintain	maintain	VERB
ejif-8706	54	27	a	a	DET
ejif-8706	54	28	stable	stable	ADJ
ejif-8706	54	29	profit	profit	NOUN
ejif-8706	54	30	margin	margin	NOUN
ejif-8706	54	31	.	.	PUNCT
ejif-8706	55	1	on	on	ADP
ejif-8706	55	2	the	the	DET
ejif-8706	55	3	other	other	ADJ
ejif-8706	55	4	hand	hand	NOUN
ejif-8706	55	5	,	,	PUNCT
ejif-8706	55	6	islamic	islamic	ADJ
ejif-8706	55	7	banks	bank	NOUN
ejif-8706	55	8	can	can	AUX
ejif-8706	55	9	not	not	PART
ejif-8706	55	10	adjust	adjust	VERB
ejif-8706	55	11	the	the	DET
ejif-8706	55	12	fixed	fix	VERB
ejif-8706	55	13	rate	rate	NOUN
ejif-8706	55	14	on	on	ADP
ejif-8706	55	15	their	their	PRON
ejif-8706	55	16	existing	exist	VERB
ejif-8706	55	17	bba	bba	NOUN
ejif-8706	55	18	contracts	contract	NOUN
ejif-8706	55	19	,	,	PUNCT
ejif-8706	55	20	nor	nor	CCONJ
ejif-8706	55	21	can	can	AUX
ejif-8706	55	22	they	they	PRON
ejif-8706	55	23	increase	increase	VERB
ejif-8706	55	24	the	the	DET
ejif-8706	55	25	return	return	NOUN
ejif-8706	55	26	payable	payable	ADJ
ejif-8706	55	27	on	on	ADP
ejif-8706	55	28	wadiah	wadiah	PROPN
ejif-8706	55	29	deposits	deposit	NOUN
ejif-8706	55	30	or	or	CCONJ
ejif-8706	55	31	dividends	dividend	NOUN
ejif-8706	55	32	payable	payable	ADJ
ejif-8706	55	33	to	to	PART
ejif-8706	55	34	murabaha	murabaha	VERB
ejif-8706	55	35	account	account	NOUN
ejif-8706	55	36	holders	holder	NOUN
ejif-8706	55	37	.	.	PUNCT
ejif-8706	56	1	this	this	PRON
ejif-8706	56	2	effectively	effectively	ADV
ejif-8706	56	3	makes	make	VERB
ejif-8706	56	4	islamic	islamic	PROPN
ejif-8706	56	5	bank	bank	PROPN
ejif-8706	56	6	deposits	deposit	NOUN
ejif-8706	56	7	decline	decline	VERB
ejif-8706	56	8	as	as	ADP
ejif-8706	56	9	non	non	ADJ
ejif-8706	56	10	-	-	ADJ
ejif-8706	56	11	muslim	muslim	ADJ
ejif-8706	56	12	customers	customer	NOUN
ejif-8706	56	13	,	,	PUNCT
ejif-8706	56	14	who	who	PRON
ejif-8706	56	15	are	be	AUX
ejif-8706	56	16	only	only	ADV
ejif-8706	56	17	driven	drive	VERB
ejif-8706	56	18	by	by	ADP
ejif-8706	56	19	pecuniary	pecuniary	ADJ
ejif-8706	56	20	considerations	consideration	NOUN
ejif-8706	56	21	,	,	PUNCT
ejif-8706	56	22	move	move	VERB
ejif-8706	56	23	their	their	PRON
ejif-8706	56	24	deposits	deposit	NOUN
ejif-8706	56	25	to	to	ADP
ejif-8706	56	26	conventional	conventional	ADJ
ejif-8706	56	27	banks	bank	NOUN
ejif-8706	56	28	to	to	PART
ejif-8706	56	29	benefit	benefit	VERB
ejif-8706	56	30	from	from	ADP
ejif-8706	56	31	higher	high	ADJ
ejif-8706	56	32	interest	interest	NOUN
ejif-8706	56	33	rates	rate	NOUN
ejif-8706	56	34	.	.	PUNCT
ejif-8706	57	1	in	in	ADP
ejif-8706	57	2	the	the	DET
ejif-8706	57	3	same	same	ADJ
ejif-8706	57	4	breath	breath	NOUN
ejif-8706	57	5	,	,	PUNCT
ejif-8706	57	6	the	the	DET
ejif-8706	57	7	fixed	fix	VERB
ejif-8706	57	8	rate	rate	NOUN
ejif-8706	57	9	bba	bba	NOUN
ejif-8706	57	10	financing	financing	NOUN
ejif-8706	57	11	provided	provide	VERB
ejif-8706	57	12	by	by	ADP
ejif-8706	57	13	islamic	islamic	ADJ
ejif-8706	57	14	banks	bank	NOUN
ejif-8706	57	15	becomes	become	VERB
ejif-8706	57	16	cheaper	cheap	ADJ
ejif-8706	57	17	than	than	ADP
ejif-8706	57	18	traditional	traditional	ADJ
ejif-8706	57	19	loans	loan	NOUN
ejif-8706	57	20	.	.	PUNCT
ejif-8706	58	1	this	this	PRON
ejif-8706	58	2	leads	lead	VERB
ejif-8706	58	3	to	to	ADP
ejif-8706	58	4	a	a	DET
ejif-8706	58	5	surge	surge	NOUN
ejif-8706	58	6	in	in	ADP
ejif-8706	58	7	demand	demand	NOUN
ejif-8706	58	8	for	for	ADP
ejif-8706	58	9	islamic	islamic	PROPN
ejif-8706	58	10	bank	bank	PROPN
ejif-8706	58	11	financing	financing	NOUN
ejif-8706	58	12	,	,	PUNCT
ejif-8706	58	13	which	which	PRON
ejif-8706	58	14	the	the	DET
ejif-8706	58	15	banks	bank	NOUN
ejif-8706	58	16	can	can	AUX
ejif-8706	58	17	not	not	PART
ejif-8706	58	18	meet	meet	VERB
ejif-8706	58	19	given	give	VERB
ejif-8706	58	20	declining	decline	VERB
ejif-8706	58	21	deposits	deposit	NOUN
ejif-8706	58	22	.	.	PUNCT
ejif-8706	59	1	however	however	ADV
ejif-8706	59	2	,	,	PUNCT
ejif-8706	59	3	during	during	ADP
ejif-8706	59	4	periods	period	NOUN
ejif-8706	59	5	of	of	ADP
ejif-8706	59	6	economic	economic	ADJ
ejif-8706	59	7	slowdown	slowdown	NOUN
ejif-8706	59	8	when	when	SCONJ
ejif-8706	59	9	interest	interest	NOUN
ejif-8706	59	10	rates	rate	NOUN
ejif-8706	59	11	are	be	AUX
ejif-8706	59	12	falling	fall	VERB
ejif-8706	59	13	,	,	PUNCT
ejif-8706	59	14	the	the	DET
ejif-8706	59	15	conventional	conventional	ADJ
ejif-8706	59	16	deposit	deposit	NOUN
ejif-8706	59	17	rate	rate	NOUN
ejif-8706	59	18	falls	fall	VERB
ejif-8706	59	19	while	while	SCONJ
ejif-8706	59	20	the	the	DET
ejif-8706	59	21	loan	loan	NOUN
ejif-8706	59	22	interest	interest	NOUN
ejif-8706	59	23	rate	rate	NOUN
ejif-8706	59	24	follows	follow	VERB
ejif-8706	59	25	suit	suit	NOUN
ejif-8706	59	26	.	.	PUNCT
ejif-8706	60	1	again	again	ADV
ejif-8706	60	2	,	,	PUNCT
ejif-8706	60	3	islamic	islamic	ADJ
ejif-8706	60	4	banks	bank	NOUN
ejif-8706	60	5	are	be	AUX
ejif-8706	60	6	not	not	PART
ejif-8706	60	7	allowed	allow	VERB
ejif-8706	60	8	to	to	PART
ejif-8706	60	9	reduce	reduce	VERB
ejif-8706	60	10	the	the	DET
ejif-8706	60	11	rate	rate	NOUN
ejif-8706	60	12	on	on	ADP
ejif-8706	60	13	bba	bba	NOUN
ejif-8706	60	14	since	since	SCONJ
ejif-8706	60	15	it	it	PRON
ejif-8706	60	16	is	be	AUX
ejif-8706	60	17	a	a	DET
ejif-8706	60	18	fixed	fix	VERB
ejif-8706	60	19	-	-	PUNCT
ejif-8706	60	20	price	price	NOUN
ejif-8706	60	21	contract	contract	NOUN
ejif-8706	60	22	,	,	PUNCT
ejif-8706	60	23	even	even	ADV
ejif-8706	60	24	though	though	SCONJ
ejif-8706	60	25	they	they	PRON
ejif-8706	60	26	can	can	AUX
ejif-8706	60	27	reduce	reduce	VERB
ejif-8706	60	28	the	the	DET
ejif-8706	60	29	rate	rate	NOUN
ejif-8706	60	30	they	they	PRON
ejif-8706	60	31	pay	pay	VERB
ejif-8706	60	32	on	on	ADP
ejif-8706	60	33	wadiah	wadiah	NOUN
ejif-8706	60	34	's	's	PART
ejif-8706	60	35	deposit	deposit	NOUN
ejif-8706	60	36	.	.	PUNCT
ejif-8706	61	1	but	but	CCONJ
ejif-8706	61	2	they	they	PRON
ejif-8706	61	3	are	be	AUX
ejif-8706	61	4	not	not	PART
ejif-8706	61	5	likely	likely	ADJ
ejif-8706	61	6	to	to	PART
ejif-8706	61	7	do	do	VERB
ejif-8706	61	8	so	so	ADV
ejif-8706	61	9	.	.	PUNCT
ejif-8706	62	1	this	this	DET
ejif-8706	62	2	situation	situation	NOUN
ejif-8706	62	3	incentivises	incentivise	VERB
ejif-8706	62	4	"	"	PUNCT
ejif-8706	62	5	rational	rational	ADJ
ejif-8706	62	6	"	"	PUNCT
ejif-8706	62	7	,	,	PUNCT
ejif-8706	62	8	mainly	mainly	ADV
ejif-8706	62	9	non	non	ADJ
ejif-8706	62	10	-	-	ADJ
ejif-8706	62	11	muslim	muslim	ADJ
ejif-8706	62	12	customers	customer	NOUN
ejif-8706	62	13	,	,	PUNCT
ejif-8706	62	14	to	to	PART
ejif-8706	62	15	move	move	VERB
ejif-8706	62	16	their	their	PRON
ejif-8706	62	17	deposits	deposit	NOUN
ejif-8706	62	18	from	from	ADP
ejif-8706	62	19	conventional	conventional	ADJ
ejif-8706	62	20	banks	bank	NOUN
ejif-8706	62	21	to	to	ADP
ejif-8706	62	22	islamic	islamic	ADJ
ejif-8706	62	23	banks	bank	NOUN
ejif-8706	62	24	where	where	SCONJ
ejif-8706	62	25	deposit	deposit	NOUN
ejif-8706	62	26	rates	rate	NOUN
ejif-8706	62	27	(	(	PUNCT
ejif-8706	62	28	returns	return	NOUN
ejif-8706	62	29	on	on	ADP
ejif-8706	62	30	investment	investment	NOUN
ejif-8706	62	31	account	account	NOUN
ejif-8706	62	32	)	)	PUNCT
ejif-8706	62	33	now	now	ADV
ejif-8706	62	34	appear	appear	VERB
ejif-8706	62	35	higher	high	ADJ
ejif-8706	62	36	.	.	PUNCT
ejif-8706	63	1	however	however	ADV
ejif-8706	63	2	,	,	PUNCT
ejif-8706	63	3	demand	demand	NOUN
ejif-8706	63	4	for	for	ADP
ejif-8706	63	5	islamic	islamic	ADJ
ejif-8706	63	6	financing	financing	NOUN
ejif-8706	63	7	will	will	AUX
ejif-8706	63	8	decline	decline	VERB
ejif-8706	63	9	as	as	SCONJ
ejif-8706	63	10	conventional	conventional	ADJ
ejif-8706	63	11	loans	loan	NOUN
ejif-8706	63	12	become	become	VERB
ejif-8706	63	13	cheaper	cheap	ADJ
ejif-8706	63	14	.	.	PUNCT
ejif-8706	64	1	the	the	DET
ejif-8706	64	2	increased	increase	VERB
ejif-8706	64	3	deposit	deposit	NOUN
ejif-8706	64	4	recorded	record	VERB
ejif-8706	64	5	by	by	ADP
ejif-8706	64	6	islamic	islamic	ADJ
ejif-8706	64	7	banks	bank	NOUN
ejif-8706	64	8	leads	lead	VERB
ejif-8706	64	9	to	to	ADP
ejif-8706	64	10	excess	excess	ADJ
ejif-8706	64	11	but	but	CCONJ
ejif-8706	64	12	idle	idle	ADJ
ejif-8706	64	13	liquidity	liquidity	NOUN
ejif-8706	64	14	.	.	PUNCT
ejif-8706	65	1	european	european	PROPN
ejif-8706	65	2	journal	journal	PROPN
ejif-8706	65	3	of	of	ADP
ejif-8706	65	4	islamic	islamic	PROPN
ejif-8706	65	5	finance	finance	PROPN
ejif-8706	65	6	issn	issn	PROPN
ejif-8706	65	7	:	:	PUNCT
ejif-8706	65	8	2421	2421	NUM
ejif-8706	65	9	-	-	SYM
ejif-8706	65	10	2172	2172	NUM
ejif-8706	65	11	doi	doi	NOUN
ejif-8706	65	12	:	:	PUNCT
ejif-8706	65	13	10.13135/2421	10.13135/2421	NUM
ejif-8706	65	14	-	-	SYM
ejif-8706	65	15	2172/8706	2172/8706	NUM
ejif-8706	65	16	published	publish	VERB
ejif-8706	65	17	by	by	ADP
ejif-8706	65	18	university	university	PROPN
ejif-8706	65	19	of	of	ADP
ejif-8706	65	20	turin	turin	PROPN
ejif-8706	66	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	66	2	ejif	ejif	PROPN
ejif-8706	66	3	content	content	NOUN
ejif-8706	66	4	is	be	AUX
ejif-8706	66	5	licensed	license	VERB
ejif-8706	66	6	under	under	ADP
ejif-8706	66	7	a	a	DET
ejif-8706	66	8	creative	creative	ADJ
ejif-8706	66	9	commons	common	NOUN
ejif-8706	66	10	attribution	attribution	NOUN
ejif-8706	66	11	4.0	4.0	NUM
ejif-8706	66	12	international	international	ADJ
ejif-8706	66	13	license	license	NOUN
ejif-8706	66	14	50	50	NUM
ejif-8706	66	15	therefore	therefore	ADV
ejif-8706	66	16	,	,	PUNCT
ejif-8706	66	17	islamic	islamic	ADJ
ejif-8706	66	18	banks	bank	NOUN
ejif-8706	66	19	tend	tend	VERB
ejif-8706	66	20	to	to	PART
ejif-8706	66	21	benefit	benefit	VERB
ejif-8706	66	22	more	more	ADV
ejif-8706	66	23	when	when	SCONJ
ejif-8706	66	24	interest	interest	NOUN
ejif-8706	66	25	rates	rate	NOUN
ejif-8706	66	26	fall	fall	VERB
ejif-8706	66	27	.	.	PUNCT
ejif-8706	67	1	they	they	PRON
ejif-8706	67	2	maintain	maintain	VERB
ejif-8706	67	3	the	the	DET
ejif-8706	67	4	fixed	fix	VERB
ejif-8706	67	5	rate	rate	NOUN
ejif-8706	67	6	on	on	ADP
ejif-8706	67	7	the	the	DET
ejif-8706	67	8	existing	exist	VERB
ejif-8706	67	9	bba	bba	NOUN
ejif-8706	67	10	while	while	SCONJ
ejif-8706	67	11	being	be	AUX
ejif-8706	67	12	able	able	ADJ
ejif-8706	67	13	to	to	PART
ejif-8706	67	14	reduce	reduce	VERB
ejif-8706	67	15	the	the	DET
ejif-8706	67	16	hibah	hibah	NOUN
ejif-8706	67	17	they	they	PRON
ejif-8706	67	18	pay	pay	VERB
ejif-8706	67	19	on	on	ADP
ejif-8706	67	20	wadiah	wadiah	NOUN
ejif-8706	67	21	's	's	PART
ejif-8706	67	22	deposit	deposit	NOUN
ejif-8706	67	23	.	.	PUNCT
ejif-8706	68	1	but	but	CCONJ
ejif-8706	68	2	they	they	PRON
ejif-8706	68	3	are	be	AUX
ejif-8706	68	4	also	also	ADV
ejif-8706	68	5	trapped	trap	VERB
ejif-8706	68	6	in	in	ADP
ejif-8706	68	7	the	the	DET
ejif-8706	68	8	web	web	NOUN
ejif-8706	68	9	of	of	ADP
ejif-8706	68	10	excess	excess	ADJ
ejif-8706	68	11	liquidity	liquidity	NOUN
ejif-8706	68	12	without	without	ADP
ejif-8706	68	13	additional	additional	ADJ
ejif-8706	68	14	earnings	earning	NOUN
ejif-8706	68	15	.	.	PUNCT
ejif-8706	69	1	thus	thus	ADV
ejif-8706	69	2	,	,	PUNCT
ejif-8706	69	3	it	it	PRON
ejif-8706	69	4	would	would	AUX
ejif-8706	69	5	appear	appear	VERB
ejif-8706	69	6	that	that	SCONJ
ejif-8706	69	7	non	non	ADJ
ejif-8706	69	8	-	-	ADJ
ejif-8706	69	9	muslim	muslim	ADJ
ejif-8706	69	10	customers	customer	NOUN
ejif-8706	69	11	,	,	PUNCT
ejif-8706	69	12	as	as	ADV
ejif-8706	69	13	well	well	ADV
ejif-8706	69	14	as	as	ADP
ejif-8706	69	15	less	less	ADV
ejif-8706	69	16	-	-	PUNCT
ejif-8706	69	17	devout	devout	ADJ
ejif-8706	69	18	muslim	muslim	ADJ
ejif-8706	69	19	customers	customer	NOUN
ejif-8706	69	20	,	,	PUNCT
ejif-8706	69	21	are	be	AUX
ejif-8706	69	22	the	the	DET
ejif-8706	69	23	greatest	great	ADJ
ejif-8706	69	24	beneficiaries	beneficiary	NOUN
ejif-8706	69	25	of	of	ADP
ejif-8706	69	26	the	the	DET
ejif-8706	69	27	dual	dual	ADJ
ejif-8706	69	28	banking	banking	NOUN
ejif-8706	69	29	system	system	NOUN
ejif-8706	69	30	and	and	CCONJ
ejif-8706	69	31	are	be	AUX
ejif-8706	69	32	the	the	DET
ejif-8706	69	33	destabilising	destabilising	ADJ
ejif-8706	69	34	agents	agent	NOUN
ejif-8706	69	35	through	through	ADP
ejif-8706	69	36	whom	whom	PRON
ejif-8706	69	37	interest	interest	NOUN
ejif-8706	69	38	rate	rate	NOUN
ejif-8706	69	39	influences	influence	VERB
ejif-8706	69	40	the	the	DET
ejif-8706	69	41	activities	activity	NOUN
ejif-8706	69	42	and	and	CCONJ
ejif-8706	69	43	operations	operation	NOUN
ejif-8706	69	44	of	of	ADP
ejif-8706	69	45	islamic	islamic	ADJ
ejif-8706	69	46	banks	bank	NOUN
ejif-8706	69	47	.	.	PUNCT
ejif-8706	70	1	the	the	DET
ejif-8706	70	2	issue	issue	NOUN
ejif-8706	70	3	of	of	ADP
ejif-8706	70	4	how	how	SCONJ
ejif-8706	70	5	islamic	islamic	ADJ
ejif-8706	70	6	banking	banking	NOUN
ejif-8706	70	7	activities	activity	NOUN
ejif-8706	70	8	are	be	AUX
ejif-8706	70	9	intertwined	intertwine	VERB
ejif-8706	70	10	with	with	ADP
ejif-8706	70	11	conventional	conventional	ADJ
ejif-8706	70	12	banking	banking	NOUN
ejif-8706	70	13	activities	activity	NOUN
ejif-8706	70	14	has	have	AUX
ejif-8706	70	15	long	long	ADV
ejif-8706	70	16	become	become	VERB
ejif-8706	70	17	a	a	DET
ejif-8706	70	18	subject	subject	NOUN
ejif-8706	70	19	of	of	ADP
ejif-8706	70	20	interest	interest	NOUN
ejif-8706	70	21	not	not	PART
ejif-8706	70	22	only	only	ADV
ejif-8706	70	23	to	to	ADP
ejif-8706	70	24	promoters	promoter	NOUN
ejif-8706	70	25	of	of	ADP
ejif-8706	70	26	islamic	islamic	ADJ
ejif-8706	70	27	banking	banking	NOUN
ejif-8706	70	28	and	and	CCONJ
ejif-8706	70	29	finance	finance	NOUN
ejif-8706	70	30	(	(	PUNCT
ejif-8706	70	31	ibf	ibf	PROPN
ejif-8706	70	32	)	)	PUNCT
ejif-8706	70	33	but	but	CCONJ
ejif-8706	70	34	it	it	PRON
ejif-8706	70	35	has	have	AUX
ejif-8706	70	36	also	also	ADV
ejif-8706	70	37	become	become	VERB
ejif-8706	70	38	a	a	DET
ejif-8706	70	39	potent	potent	ADJ
ejif-8706	70	40	weapon	weapon	NOUN
ejif-8706	70	41	in	in	ADP
ejif-8706	70	42	the	the	DET
ejif-8706	70	43	hands	hand	NOUN
ejif-8706	70	44	of	of	ADP
ejif-8706	70	45	critics	critic	NOUN
ejif-8706	70	46	of	of	ADP
ejif-8706	70	47	the	the	DET
ejif-8706	70	48	new	new	ADJ
ejif-8706	70	49	paradigm	paradigm	NOUN
ejif-8706	70	50	,	,	PUNCT
ejif-8706	70	51	who	who	PRON
ejif-8706	70	52	see	see	VERB
ejif-8706	70	53	islamic	islamic	ADJ
ejif-8706	70	54	finance	finance	NOUN
ejif-8706	70	55	as	as	ADP
ejif-8706	70	56	nothing	nothing	PRON
ejif-8706	70	57	but	but	SCONJ
ejif-8706	70	58	a	a	DET
ejif-8706	70	59	smokescreen	smokescreen	NOUN
ejif-8706	70	60	to	to	PART
ejif-8706	70	61	charge	charge	VERB
ejif-8706	70	62	interest	interest	NOUN
ejif-8706	70	63	.	.	PUNCT
ejif-8706	71	1	few	few	ADJ
ejif-8706	71	2	have	have	AUX
ejif-8706	71	3	argued	argue	VERB
ejif-8706	71	4	that	that	SCONJ
ejif-8706	71	5	islamic	islamic	ADJ
ejif-8706	71	6	banks	bank	NOUN
ejif-8706	71	7	have	have	AUX
ejif-8706	71	8	deviated	deviate	VERB
ejif-8706	71	9	from	from	ADP
ejif-8706	71	10	their	their	PRON
ejif-8706	71	11	original	original	ADJ
ejif-8706	71	12	ideals	ideal	NOUN
ejif-8706	71	13	through	through	ADP
ejif-8706	71	14	their	their	PRON
ejif-8706	71	15	emulation	emulation	NOUN
ejif-8706	71	16	and	and	CCONJ
ejif-8706	71	17	replication	replication	NOUN
ejif-8706	71	18	of	of	ADP
ejif-8706	71	19	conventional	conventional	ADJ
ejif-8706	71	20	banking	banking	NOUN
ejif-8706	71	21	practices	practice	NOUN
ejif-8706	71	22	and	and	CCONJ
ejif-8706	71	23	techniques	technique	NOUN
ejif-8706	71	24	(	(	PUNCT
ejif-8706	71	25	iqbal	iqbal	PROPN
ejif-8706	71	26	et	et	PROPN
ejif-8706	71	27	al	al	PROPN
ejif-8706	71	28	.	.	PROPN
ejif-8706	71	29	,	,	PUNCT
ejif-8706	71	30	2015	2015	NUM
ejif-8706	71	31	)	)	PUNCT
ejif-8706	71	32	.	.	PUNCT
ejif-8706	72	1	this	this	PRON
ejif-8706	72	2	explains	explain	VERB
ejif-8706	72	3	why	why	SCONJ
ejif-8706	72	4	even	even	ADV
ejif-8706	72	5	islamic	islamic	ADJ
ejif-8706	72	6	banks	bank	NOUN
ejif-8706	72	7	have	have	AUX
ejif-8706	72	8	become	become	VERB
ejif-8706	72	9	as	as	ADV
ejif-8706	72	10	vulnerable	vulnerable	ADJ
ejif-8706	72	11	as	as	ADP
ejif-8706	72	12	their	their	PRON
ejif-8706	72	13	conventional	conventional	ADJ
ejif-8706	72	14	counterparts	counterpart	NOUN
ejif-8706	72	15	(	(	PUNCT
ejif-8706	72	16	seho	seho	NOUN
ejif-8706	72	17	et	et	PROPN
ejif-8706	72	18	al	al	PROPN
ejif-8706	72	19	.	.	PROPN
ejif-8706	72	20	,	,	PUNCT
ejif-8706	72	21	2020a	2020a	NUM
ejif-8706	72	22	)	)	PUNCT
ejif-8706	72	23	.	.	PUNCT
ejif-8706	73	1	the	the	DET
ejif-8706	73	2	ideal	ideal	ADJ
ejif-8706	73	3	islamic	islamic	ADJ
ejif-8706	73	4	banking	banking	NOUN
ejif-8706	73	5	model	model	NOUN
ejif-8706	73	6	envisioned	envision	VERB
ejif-8706	73	7	by	by	ADP
ejif-8706	73	8	its	its	PRON
ejif-8706	73	9	proponents	proponent	NOUN
ejif-8706	73	10	is	be	AUX
ejif-8706	73	11	based	base	VERB
ejif-8706	73	12	on	on	ADP
ejif-8706	73	13	risk	risk	NOUN
ejif-8706	73	14	-	-	PUNCT
ejif-8706	73	15	sharing	sharing	NOUN
ejif-8706	73	16	that	that	PRON
ejif-8706	73	17	enables	enable	VERB
ejif-8706	73	18	both	both	CCONJ
ejif-8706	73	19	the	the	DET
ejif-8706	73	20	bank	bank	NOUN
ejif-8706	73	21	and	and	CCONJ
ejif-8706	73	22	entrepreneur	entrepreneur	NOUN
ejif-8706	73	23	to	to	PART
ejif-8706	73	24	jointly	jointly	ADV
ejif-8706	73	25	partake	partake	VERB
ejif-8706	73	26	in	in	ADP
ejif-8706	73	27	a	a	DET
ejif-8706	73	28	business	business	NOUN
ejif-8706	73	29	venture	venture	NOUN
ejif-8706	73	30	's	's	PART
ejif-8706	73	31	management	management	NOUN
ejif-8706	73	32	,	,	PUNCT
ejif-8706	73	33	profit	profit	NOUN
ejif-8706	73	34	,	,	PUNCT
ejif-8706	73	35	and	and	CCONJ
ejif-8706	73	36	loss	loss	NOUN
ejif-8706	73	37	.	.	PUNCT
ejif-8706	74	1	this	this	PRON
ejif-8706	74	2	implies	imply	VERB
ejif-8706	74	3	that	that	SCONJ
ejif-8706	74	4	islamic	islamic	ADJ
ejif-8706	74	5	banks	bank	NOUN
ejif-8706	74	6	are	be	AUX
ejif-8706	74	7	expected	expect	VERB
ejif-8706	74	8	to	to	PART
ejif-8706	74	9	act	act	VERB
ejif-8706	74	10	as	as	ADP
ejif-8706	74	11	venture	venture	NOUN
ejif-8706	74	12	capital	capital	NOUN
ejif-8706	74	13	providers	provider	NOUN
ejif-8706	74	14	,	,	PUNCT
ejif-8706	74	15	promoting	promote	VERB
ejif-8706	74	16	entrepreneurship	entrepreneurship	NOUN
ejif-8706	74	17	.	.	PUNCT
ejif-8706	75	1	the	the	DET
ejif-8706	75	2	centrality	centrality	NOUN
ejif-8706	75	3	of	of	ADP
ejif-8706	75	4	risk	risk	NOUN
ejif-8706	75	5	-	-	PUNCT
ejif-8706	75	6	sharing	sharing	NOUN
ejif-8706	75	7	in	in	ADP
ejif-8706	75	8	islamic	islamic	ADJ
ejif-8706	75	9	finance	finance	NOUN
ejif-8706	75	10	has	have	AUX
ejif-8706	75	11	been	be	AUX
ejif-8706	75	12	emphasised	emphasise	VERB
ejif-8706	75	13	by	by	ADP
ejif-8706	75	14	many	many	ADJ
ejif-8706	75	15	shari'ah	shari'ah	NOUN
ejif-8706	75	16	scholars(alaabed	scholars(alaabed	PROPN
ejif-8706	75	17	&	&	CCONJ
ejif-8706	75	18	masih	masih	PROPN
ejif-8706	75	19	,	,	PUNCT
ejif-8706	75	20	2016	2016	NUM
ejif-8706	75	21	)	)	PUNCT
ejif-8706	75	22	,	,	PUNCT
ejif-8706	75	23	who	who	PRON
ejif-8706	75	24	have	have	AUX
ejif-8706	75	25	also	also	ADV
ejif-8706	75	26	warned	warn	VERB
ejif-8706	75	27	against	against	ADP
ejif-8706	75	28	debt	debt	NOUN
ejif-8706	75	29	-	-	PUNCT
ejif-8706	75	30	based	base	VERB
ejif-8706	75	31	financing	financing	NOUN
ejif-8706	75	32	,	,	PUNCT
ejif-8706	75	33	which	which	PRON
ejif-8706	75	34	is	be	AUX
ejif-8706	75	35	interest	interest	NOUN
ejif-8706	75	36	-	-	PUNCT
ejif-8706	75	37	based	base	VERB
ejif-8706	75	38	(	(	PUNCT
ejif-8706	75	39	iqbal	iqbal	PROPN
ejif-8706	75	40	&	&	CCONJ
ejif-8706	75	41	mirakhor	mirakhor	NOUN
ejif-8706	75	42	,	,	PUNCT
ejif-8706	75	43	2013	2013	NUM
ejif-8706	75	44	)	)	PUNCT
ejif-8706	75	45	.	.	PUNCT
ejif-8706	76	1	nonetheless	nonetheless	ADV
ejif-8706	76	2	,	,	PUNCT
ejif-8706	76	3	many	many	ADJ
ejif-8706	76	4	studies	study	NOUN
ejif-8706	76	5	have	have	AUX
ejif-8706	76	6	shown	show	VERB
ejif-8706	76	7	that	that	SCONJ
ejif-8706	76	8	islamic	islamic	ADJ
ejif-8706	76	9	banks	bank	NOUN
ejif-8706	76	10	have	have	AUX
ejif-8706	76	11	concentrated	concentrate	VERB
ejif-8706	76	12	more	more	ADJ
ejif-8706	76	13	on	on	ADP
ejif-8706	76	14	debt	debt	NOUN
ejif-8706	76	15	-	-	PUNCT
ejif-8706	76	16	based	base	VERB
ejif-8706	76	17	rather	rather	ADV
ejif-8706	76	18	than	than	ADP
ejif-8706	76	19	risk	risk	NOUN
ejif-8706	76	20	-	-	PUNCT
ejif-8706	76	21	sharing	share	VERB
ejif-8706	76	22	financing	financing	NOUN
ejif-8706	76	23	.	.	PUNCT
ejif-8706	77	1	for	for	ADP
ejif-8706	77	2	example	example	NOUN
ejif-8706	77	3	,	,	PUNCT
ejif-8706	77	4	khan	khan	PROPN
ejif-8706	77	5	(	(	PUNCT
ejif-8706	77	6	2010	2010	NUM
ejif-8706	77	7	)	)	PUNCT
ejif-8706	77	8	showed	show	VERB
ejif-8706	77	9	evidence	evidence	NOUN
ejif-8706	77	10	that	that	SCONJ
ejif-8706	77	11	non	non	ADJ
ejif-8706	77	12	-	-	ADJ
ejif-8706	77	13	pls	pls	ADJ
ejif-8706	77	14	type	type	NOUN
ejif-8706	77	15	constituted	constitute	VERB
ejif-8706	77	16	more	more	ADJ
ejif-8706	77	17	than	than	ADP
ejif-8706	77	18	90	90	NUM
ejif-8706	77	19	%	%	NOUN
ejif-8706	77	20	of	of	ADP
ejif-8706	77	21	funding	funding	NOUN
ejif-8706	77	22	provided	provide	VERB
ejif-8706	77	23	by	by	ADP
ejif-8706	77	24	the	the	DET
ejif-8706	77	25	most	most	ADV
ejif-8706	77	26	prominent	prominent	ADJ
ejif-8706	77	27	islamic	islamic	ADJ
ejif-8706	77	28	banks	bank	NOUN
ejif-8706	77	29	in	in	ADP
ejif-8706	77	30	the	the	DET
ejif-8706	77	31	mena	mena	PROPN
ejif-8706	77	32	region	region	PROPN
ejif-8706	77	33	.	.	PUNCT
ejif-8706	78	1	rosly	rosly	ADV
ejif-8706	78	2	(	(	PUNCT
ejif-8706	78	3	1999	1999	NUM
ejif-8706	78	4	)	)	PUNCT
ejif-8706	78	5	it	it	PRON
ejif-8706	78	6	also	also	ADV
ejif-8706	78	7	found	find	VERB
ejif-8706	78	8	that	that	SCONJ
ejif-8706	78	9	at	at	ADP
ejif-8706	78	10	some	some	DET
ejif-8706	78	11	point	point	NOUN
ejif-8706	78	12	,	,	PUNCT
ejif-8706	78	13	sales	sale	NOUN
ejif-8706	78	14	-	-	PUNCT
ejif-8706	78	15	based	base	VERB
ejif-8706	78	16	financing	financing	NOUN
ejif-8706	78	17	accounted	account	VERB
ejif-8706	78	18	for	for	ADP
ejif-8706	78	19	over	over	ADP
ejif-8706	78	20	94	94	NUM
ejif-8706	78	21	%	%	NOUN
ejif-8706	78	22	of	of	ADP
ejif-8706	78	23	funding	funding	NOUN
ejif-8706	78	24	provided	provide	VERB
ejif-8706	78	25	by	by	ADP
ejif-8706	78	26	bank	bank	PROPN
ejif-8706	78	27	islam	islam	PROPN
ejif-8706	78	28	malaysia	malaysia	PROPN
ejif-8706	78	29	berhad	berhad	PROPN
ejif-8706	78	30	,	,	PUNCT
ejif-8706	78	31	the	the	DET
ejif-8706	78	32	most	most	ADV
ejif-8706	78	33	prominent	prominent	ADJ
ejif-8706	78	34	islamic	islamic	PROPN
ejif-8706	78	35	bank	bank	PROPN
ejif-8706	78	36	in	in	ADP
ejif-8706	78	37	malaysia	malaysia	PROPN
ejif-8706	78	38	.	.	PUNCT
ejif-8706	79	1	in	in	ADP
ejif-8706	79	2	explaining	explain	VERB
ejif-8706	79	3	the	the	DET
ejif-8706	79	4	dominance	dominance	NOUN
ejif-8706	79	5	of	of	ADP
ejif-8706	79	6	debt	debt	NOUN
ejif-8706	79	7	-	-	PUNCT
ejif-8706	79	8	based	base	VERB
ejif-8706	79	9	financing	financing	NOUN
ejif-8706	79	10	in	in	ADP
ejif-8706	79	11	the	the	DET
ejif-8706	79	12	portfolio	portfolio	NOUN
ejif-8706	79	13	of	of	ADP
ejif-8706	79	14	islamic	islamic	PROPN
ejif-8706	79	15	banks	banks	PROPN
ejif-8706	79	16	,	,	PUNCT
ejif-8706	79	17	azmat	azmat	PROPN
ejif-8706	79	18	et	et	PROPN
ejif-8706	79	19	al	al	PROPN
ejif-8706	79	20	.	.	PROPN
ejif-8706	80	1	(	(	PUNCT
ejif-8706	80	2	2015	2015	NUM
ejif-8706	80	3	)	)	PUNCT
ejif-8706	80	4	argued	argue	VERB
ejif-8706	80	5	that	that	SCONJ
ejif-8706	80	6	the	the	DET
ejif-8706	80	7	fact	fact	NOUN
ejif-8706	80	8	that	that	SCONJ
ejif-8706	80	9	depositors	depositor	NOUN
ejif-8706	80	10	of	of	ADP
ejif-8706	80	11	islamic	islamic	ADJ
ejif-8706	80	12	banks	bank	NOUN
ejif-8706	80	13	are	be	AUX
ejif-8706	80	14	mainly	mainly	ADV
ejif-8706	80	15	risk	risk	NOUN
ejif-8706	80	16	-	-	PUNCT
ejif-8706	80	17	averse	averse	ADJ
ejif-8706	80	18	is	be	AUX
ejif-8706	80	19	why	why	SCONJ
ejif-8706	80	20	the	the	DET
ejif-8706	80	21	banks	bank	NOUN
ejif-8706	80	22	prefer	prefer	VERB
ejif-8706	80	23	short	short	ADJ
ejif-8706	80	24	-	-	PUNCT
ejif-8706	80	25	term	term	NOUN
ejif-8706	80	26	debt	debt	NOUN
ejif-8706	80	27	-	-	PUNCT
ejif-8706	80	28	like	like	ADJ
ejif-8706	80	29	financing	financing	NOUN
ejif-8706	80	30	,	,	PUNCT
ejif-8706	80	31	which	which	PRON
ejif-8706	80	32	is	be	AUX
ejif-8706	80	33	less	less	ADV
ejif-8706	80	34	risky	risky	ADJ
ejif-8706	80	35	than	than	ADP
ejif-8706	80	36	joint	joint	ADJ
ejif-8706	80	37	venture	venture	NOUN
ejif-8706	80	38	partnerships	partnership	NOUN
ejif-8706	80	39	.	.	PUNCT
ejif-8706	81	1	furthermore	furthermore	ADV
ejif-8706	81	2	,	,	PUNCT
ejif-8706	81	3	they	they	PRON
ejif-8706	81	4	noted	note	VERB
ejif-8706	81	5	that	that	SCONJ
ejif-8706	81	6	pls	pls	PROPN
ejif-8706	81	7	financing	financing	NOUN
ejif-8706	81	8	is	be	AUX
ejif-8706	81	9	more	more	ADV
ejif-8706	81	10	prone	prone	ADJ
ejif-8706	81	11	to	to	ADP
ejif-8706	81	12	the	the	DET
ejif-8706	81	13	twin	twin	ADJ
ejif-8706	81	14	evil	evil	NOUN
ejif-8706	81	15	of	of	ADP
ejif-8706	81	16	moral	moral	ADJ
ejif-8706	81	17	hazard	hazard	NOUN
ejif-8706	81	18	and	and	CCONJ
ejif-8706	81	19	adverse	adverse	ADJ
ejif-8706	81	20	selection	selection	NOUN
ejif-8706	81	21	.	.	PUNCT
ejif-8706	82	1	unfortunately	unfortunately	ADV
ejif-8706	82	2	,	,	PUNCT
ejif-8706	82	3	this	this	DET
ejif-8706	82	4	preference	preference	NOUN
ejif-8706	82	5	for	for	ADP
ejif-8706	82	6	debt	debt	NOUN
ejif-8706	82	7	-	-	PUNCT
ejif-8706	82	8	based	base	VERB
ejif-8706	82	9	funding	funding	NOUN
ejif-8706	82	10	exposes	expose	VERB
ejif-8706	82	11	islamic	islamic	ADJ
ejif-8706	82	12	banks	bank	NOUN
ejif-8706	82	13	to	to	ADP
ejif-8706	82	14	interest	interest	NOUN
ejif-8706	82	15	rate	rate	NOUN
ejif-8706	82	16	shocks	shock	NOUN
ejif-8706	82	17	.	.	PUNCT
ejif-8706	83	1	it	it	PRON
ejif-8706	83	2	is	be	AUX
ejif-8706	83	3	a	a	DET
ejif-8706	83	4	fact	fact	NOUN
ejif-8706	83	5	that	that	SCONJ
ejif-8706	83	6	interest	interest	NOUN
ejif-8706	83	7	rates	rate	NOUN
ejif-8706	83	8	are	be	AUX
ejif-8706	83	9	at	at	ADP
ejif-8706	83	10	the	the	DET
ejif-8706	83	11	heart	heart	NOUN
ejif-8706	83	12	of	of	ADP
ejif-8706	83	13	modern	modern	ADJ
ejif-8706	83	14	conventional	conventional	ADJ
ejif-8706	83	15	banking	banking	NOUN
ejif-8706	83	16	.	.	PUNCT
ejif-8706	84	1	however	however	ADV
ejif-8706	84	2	,	,	PUNCT
ejif-8706	84	3	samuelson	samuelson	PROPN
ejif-8706	84	4	(	(	PUNCT
ejif-8706	84	5	1958	1958	NUM
ejif-8706	84	6	)	)	PUNCT
ejif-8706	84	7	opined	opine	VERB
ejif-8706	84	8	that	that	SCONJ
ejif-8706	84	9	a	a	DET
ejif-8706	84	10	nominal	nominal	ADJ
ejif-8706	84	11	interest	interest	NOUN
ejif-8706	84	12	rate	rate	NOUN
ejif-8706	84	13	of	of	ADP
ejif-8706	84	14	zero	zero	NUM
ejif-8706	84	15	percent	percent	NOUN
ejif-8706	84	16	would	would	AUX
ejif-8706	84	17	better	well	ADV
ejif-8706	84	18	ensure	ensure	VERB
ejif-8706	84	19	optimal	optimal	ADJ
ejif-8706	84	20	resource	resource	NOUN
ejif-8706	84	21	allocation	allocation	NOUN
ejif-8706	84	22	in	in	ADP
ejif-8706	84	23	an	an	DET
ejif-8706	84	24	economy	economy	NOUN
ejif-8706	84	25	.	.	PUNCT
ejif-8706	85	1	in	in	ADP
ejif-8706	85	2	the	the	DET
ejif-8706	85	3	view	view	NOUN
ejif-8706	85	4	of	of	ADP
ejif-8706	85	5	al	al	PROPN
ejif-8706	85	6	-	-	PUNCT
ejif-8706	85	7	jarhi	jarhi	PROPN
ejif-8706	85	8	(	(	PUNCT
ejif-8706	85	9	2017	2017	NUM
ejif-8706	85	10	)	)	PUNCT
ejif-8706	85	11	,	,	PUNCT
ejif-8706	85	12	this	this	PRON
ejif-8706	85	13	confers	confer	VERB
ejif-8706	85	14	a	a	DET
ejif-8706	85	15	distinct	distinct	ADJ
ejif-8706	85	16	advantage	advantage	NOUN
ejif-8706	85	17	on	on	ADP
ejif-8706	85	18	islamic	islamic	ADJ
ejif-8706	85	19	finance	finance	NOUN
ejif-8706	85	20	as	as	ADP
ejif-8706	85	21	a	a	DET
ejif-8706	85	22	vehicle	vehicle	NOUN
ejif-8706	85	23	for	for	ADP
ejif-8706	85	24	economic	economic	ADJ
ejif-8706	85	25	justice	justice	NOUN
ejif-8706	85	26	and	and	CCONJ
ejif-8706	85	27	fairness	fairness	NOUN
ejif-8706	85	28	and	and	CCONJ
ejif-8706	85	29	as	as	ADP
ejif-8706	85	30	an	an	DET
ejif-8706	85	31	agent	agent	NOUN
ejif-8706	85	32	for	for	ADP
ejif-8706	85	33	reforming	reform	VERB
ejif-8706	85	34	the	the	DET
ejif-8706	85	35	current	current	ADJ
ejif-8706	85	36	market	market	NOUN
ejif-8706	85	37	economy	economy	NOUN
ejif-8706	85	38	.	.	PUNCT
ejif-8706	86	1	an	an	DET
ejif-8706	86	2	essential	essential	ADJ
ejif-8706	86	3	distinction	distinction	NOUN
ejif-8706	86	4	between	between	ADP
ejif-8706	86	5	islamic	islamic	ADJ
ejif-8706	86	6	and	and	CCONJ
ejif-8706	86	7	conventional	conventional	ADJ
ejif-8706	86	8	banking	banking	NOUN
ejif-8706	86	9	models	model	NOUN
ejif-8706	86	10	is	be	AUX
ejif-8706	86	11	that	that	SCONJ
ejif-8706	86	12	whereas	whereas	SCONJ
ejif-8706	86	13	the	the	DET
ejif-8706	86	14	latter	latter	NOUN
ejif-8706	86	15	thrives	thrive	VERB
ejif-8706	86	16	on	on	ADP
ejif-8706	86	17	interest	interest	NOUN
ejif-8706	86	18	,	,	PUNCT
ejif-8706	86	19	the	the	DET
ejif-8706	86	20	former	former	ADJ
ejif-8706	86	21	is	be	AUX
ejif-8706	86	22	devoid	devoid	ADJ
ejif-8706	86	23	of	of	ADP
ejif-8706	86	24	interest	interest	NOUN
ejif-8706	86	25	,	,	PUNCT
ejif-8706	86	26	at	at	ADP
ejif-8706	86	27	least	least	ADJ
ejif-8706	86	28	in	in	ADP
ejif-8706	86	29	theory	theory	NOUN
ejif-8706	86	30	.	.	PUNCT
ejif-8706	87	1	it	it	PRON
ejif-8706	87	2	may	may	AUX
ejif-8706	87	3	then	then	ADV
ejif-8706	87	4	appear	appear	VERB
ejif-8706	87	5	as	as	ADP
ejif-8706	87	6	a	a	DET
ejif-8706	87	7	paradox	paradox	NOUN
ejif-8706	87	8	,	,	PUNCT
ejif-8706	87	9	seeking	seek	VERB
ejif-8706	87	10	to	to	PART
ejif-8706	87	11	investigate	investigate	VERB
ejif-8706	87	12	the	the	DET
ejif-8706	87	13	effect	effect	NOUN
ejif-8706	87	14	of	of	ADP
ejif-8706	87	15	interest	interest	NOUN
ejif-8706	87	16	rates	rate	NOUN
ejif-8706	87	17	on	on	ADP
ejif-8706	87	18	islamic	islamic	PROPN
ejif-8706	87	19	bank	bank	PROPN
ejif-8706	87	20	financing	financing	NOUN
ejif-8706	87	21	.	.	PUNCT
ejif-8706	88	1	various	various	ADJ
ejif-8706	88	2	studies	study	NOUN
ejif-8706	88	3	have	have	AUX
ejif-8706	88	4	investigated	investigate	VERB
ejif-8706	88	5	the	the	DET
ejif-8706	88	6	connection	connection	NOUN
ejif-8706	88	7	between	between	ADP
ejif-8706	88	8	interest	interest	NOUN
ejif-8706	88	9	rates	rate	NOUN
ejif-8706	88	10	and	and	CCONJ
ejif-8706	88	11	islamic	islamic	ADJ
ejif-8706	88	12	banking	banking	NOUN
ejif-8706	88	13	operations	operation	NOUN
ejif-8706	88	14	,	,	PUNCT
ejif-8706	88	15	especially	especially	ADV
ejif-8706	88	16	concerning	concern	VERB
ejif-8706	88	17	the	the	DET
ejif-8706	88	18	provision	provision	NOUN
ejif-8706	88	19	of	of	ADP
ejif-8706	88	20	finance	finance	NOUN
ejif-8706	88	21	and	and	CCONJ
ejif-8706	88	22	deposits	deposit	NOUN
ejif-8706	88	23	.	.	PUNCT
ejif-8706	89	1	these	these	DET
ejif-8706	89	2	studies	study	NOUN
ejif-8706	89	3	have	have	AUX
ejif-8706	89	4	attempted	attempt	VERB
ejif-8706	89	5	to	to	PART
ejif-8706	89	6	dissect	dissect	VERB
ejif-8706	89	7	the	the	DET
ejif-8706	89	8	issues	issue	NOUN
ejif-8706	89	9	from	from	ADP
ejif-8706	89	10	different	different	ADJ
ejif-8706	89	11	perspectives	perspective	NOUN
ejif-8706	89	12	,	,	PUNCT
ejif-8706	89	13	focusing	focus	VERB
ejif-8706	89	14	primarily	primarily	ADV
ejif-8706	89	15	on	on	ADP
ejif-8706	89	16	countries	country	NOUN
ejif-8706	89	17	operating	operate	VERB
ejif-8706	89	18	dual	dual	ADJ
ejif-8706	89	19	banking	banking	NOUN
ejif-8706	89	20	systems	system	NOUN
ejif-8706	89	21	.	.	PUNCT
ejif-8706	90	1	the	the	DET
ejif-8706	90	2	results	result	NOUN
ejif-8706	90	3	have	have	AUX
ejif-8706	90	4	,	,	PUNCT
ejif-8706	90	5	however	however	ADV
ejif-8706	90	6	,	,	PUNCT
ejif-8706	90	7	been	be	AUX
ejif-8706	90	8	quite	quite	ADV
ejif-8706	90	9	contradictory	contradictory	ADJ
ejif-8706	90	10	,	,	PUNCT
ejif-8706	90	11	suggesting	suggest	VERB
ejif-8706	90	12	the	the	DET
ejif-8706	90	13	need	need	NOUN
ejif-8706	90	14	for	for	ADP
ejif-8706	90	15	further	further	ADJ
ejif-8706	90	16	empirical	empirical	ADJ
ejif-8706	90	17	evidence	evidence	NOUN
ejif-8706	90	18	.	.	PUNCT
ejif-8706	91	1	the	the	DET
ejif-8706	91	2	issues	issue	NOUN
ejif-8706	91	3	analysed	analyse	VERB
ejif-8706	91	4	in	in	ADP
ejif-8706	91	5	the	the	DET
ejif-8706	91	6	literature	literature	NOUN
ejif-8706	91	7	have	have	AUX
ejif-8706	91	8	ranged	range	VERB
ejif-8706	91	9	from	from	ADP
ejif-8706	91	10	how	how	SCONJ
ejif-8706	91	11	interest	interest	NOUN
ejif-8706	91	12	rates	rate	NOUN
ejif-8706	91	13	influence	influence	VERB
ejif-8706	91	14	islamic	islamic	ADJ
ejif-8706	91	15	banks	bank	NOUN
ejif-8706	91	16	'	'	PART
ejif-8706	91	17	financing	financing	NOUN
ejif-8706	91	18	and	and	CCONJ
ejif-8706	91	19	deposits	deposit	NOUN
ejif-8706	91	20	as	as	ADP
ejif-8706	91	21	compared	compare	VERB
ejif-8706	91	22	to	to	ADP
ejif-8706	91	23	conventional	conventional	ADJ
ejif-8706	91	24	banks	bank	NOUN
ejif-8706	91	25	'	'	PART
ejif-8706	91	26	funding	funding	NOUN
ejif-8706	91	27	and	and	CCONJ
ejif-8706	91	28	deposit	deposit	NOUN
ejif-8706	91	29	,	,	PUNCT
ejif-8706	91	30	the	the	DET
ejif-8706	91	31	relationship	relationship	NOUN
ejif-8706	91	32	between	between	ADP
ejif-8706	91	33	traditional	traditional	ADJ
ejif-8706	91	34	deposit	deposit	NOUN
ejif-8706	91	35	rates	rate	NOUN
ejif-8706	91	36	and	and	CCONJ
ejif-8706	91	37	the	the	DET
ejif-8706	91	38	rate	rate	NOUN
ejif-8706	91	39	of	of	ADP
ejif-8706	91	40	return	return	NOUN
ejif-8706	91	41	on	on	ADP
ejif-8706	91	42	islamic	islamic	ADJ
ejif-8706	91	43	banks	bank	NOUN
ejif-8706	91	44	'	'	PART
ejif-8706	91	45	deposits	deposit	NOUN
ejif-8706	91	46	,	,	PUNCT
ejif-8706	91	47	similarities	similarity	NOUN
ejif-8706	91	48	or	or	CCONJ
ejif-8706	91	49	differences	difference	NOUN
ejif-8706	91	50	in	in	ADP
ejif-8706	91	51	the	the	DET
ejif-8706	91	52	monetary	monetary	ADJ
ejif-8706	91	53	european	european	PROPN
ejif-8706	91	54	journal	journal	PROPN
ejif-8706	91	55	of	of	ADP
ejif-8706	91	56	islamic	islamic	PROPN
ejif-8706	91	57	finance	finance	PROPN
ejif-8706	91	58	issn	issn	PROPN
ejif-8706	91	59	:	:	PUNCT
ejif-8706	91	60	2421	2421	NUM
ejif-8706	91	61	-	-	SYM
ejif-8706	91	62	2172	2172	NUM
ejif-8706	91	63	doi	doi	NOUN
ejif-8706	91	64	:	:	PUNCT
ejif-8706	91	65	10.13135/2421	10.13135/2421	NUM
ejif-8706	91	66	-	-	SYM
ejif-8706	91	67	2172/8706	2172/8706	NUM
ejif-8706	91	68	published	publish	VERB
ejif-8706	91	69	by	by	ADP
ejif-8706	91	70	university	university	PROPN
ejif-8706	91	71	of	of	ADP
ejif-8706	91	72	turin	turin	PROPN
ejif-8706	92	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	92	2	ejif	ejif	PROPN
ejif-8706	92	3	content	content	NOUN
ejif-8706	92	4	is	be	AUX
ejif-8706	92	5	licensed	license	VERB
ejif-8706	92	6	under	under	ADP
ejif-8706	92	7	a	a	DET
ejif-8706	92	8	creative	creative	ADJ
ejif-8706	92	9	commons	common	NOUN
ejif-8706	92	10	attribution	attribution	NOUN
ejif-8706	92	11	4.0	4.0	NUM
ejif-8706	92	12	international	international	ADJ
ejif-8706	92	13	license	license	NOUN
ejif-8706	92	14	51	51	NUM
ejif-8706	92	15	transmission	transmission	NOUN
ejif-8706	92	16	mechanisms	mechanism	NOUN
ejif-8706	92	17	between	between	ADP
ejif-8706	92	18	islamic	islamic	ADJ
ejif-8706	92	19	and	and	CCONJ
ejif-8706	92	20	conventional	conventional	ADJ
ejif-8706	92	21	banks	bank	NOUN
ejif-8706	92	22	;	;	PUNCT
ejif-8706	92	23	the	the	DET
ejif-8706	92	24	response	response	NOUN
ejif-8706	92	25	of	of	ADP
ejif-8706	92	26	islamic	islamic	ADJ
ejif-8706	92	27	banks	bank	NOUN
ejif-8706	92	28	depositors	depositor	NOUN
ejif-8706	92	29	to	to	PART
ejif-8706	92	30	changes	change	NOUN
ejif-8706	92	31	in	in	ADP
ejif-8706	92	32	interest	interest	NOUN
ejif-8706	92	33	rate	rate	NOUN
ejif-8706	92	34	;	;	PUNCT
ejif-8706	92	35	among	among	ADP
ejif-8706	92	36	others	other	NOUN
ejif-8706	92	37	.	.	PUNCT
ejif-8706	93	1	hakan	hakan	PROPN
ejif-8706	93	2	&	&	CCONJ
ejif-8706	93	3	gülümser	gülümser	PROPN
ejif-8706	93	4	(	(	PUNCT
ejif-8706	93	5	2011	2011	NUM
ejif-8706	93	6	)	)	PUNCT
ejif-8706	93	7	examined	examine	VERB
ejif-8706	93	8	how	how	SCONJ
ejif-8706	93	9	interest	interest	NOUN
ejif-8706	93	10	rate	rate	NOUN
ejif-8706	93	11	affects	affect	VERB
ejif-8706	93	12	deposits	deposit	NOUN
ejif-8706	93	13	and	and	CCONJ
ejif-8706	93	14	loan	loan	NOUN
ejif-8706	93	15	advances	advance	NOUN
ejif-8706	93	16	(	(	PUNCT
ejif-8706	93	17	financing	financing	NOUN
ejif-8706	93	18	)	)	PUNCT
ejif-8706	93	19	in	in	ADP
ejif-8706	93	20	both	both	CCONJ
ejif-8706	93	21	conventional	conventional	ADJ
ejif-8706	93	22	and	and	CCONJ
ejif-8706	93	23	islamic	islamic	ADJ
ejif-8706	93	24	banks	bank	NOUN
ejif-8706	93	25	in	in	ADP
ejif-8706	93	26	turkey	turkey	NOUN
ejif-8706	93	27	using	use	VERB
ejif-8706	93	28	the	the	DET
ejif-8706	93	29	vector	vector	NOUN
ejif-8706	93	30	error	error	NOUN
ejif-8706	93	31	correction	correction	NOUN
ejif-8706	93	32	(	(	PUNCT
ejif-8706	93	33	vec	vec	NOUN
ejif-8706	93	34	)	)	PUNCT
ejif-8706	93	35	methodology	methodology	NOUN
ejif-8706	93	36	on	on	ADP
ejif-8706	93	37	monthly	monthly	ADJ
ejif-8706	93	38	data	datum	NOUN
ejif-8706	93	39	covering	cover	VERB
ejif-8706	93	40	december	december	PROPN
ejif-8706	93	41	2005	2005	NUM
ejif-8706	93	42	to	to	ADP
ejif-8706	93	43	april	april	PROPN
ejif-8706	93	44	2009	2009	NUM
ejif-8706	93	45	.	.	PUNCT
ejif-8706	94	1	they	they	PRON
ejif-8706	94	2	found	find	VERB
ejif-8706	94	3	that	that	SCONJ
ejif-8706	94	4	a	a	DET
ejif-8706	94	5	rise	rise	NOUN
ejif-8706	94	6	in	in	ADP
ejif-8706	94	7	interest	interest	NOUN
ejif-8706	94	8	rates	rate	NOUN
ejif-8706	94	9	results	result	VERB
ejif-8706	94	10	in	in	ADP
ejif-8706	94	11	an	an	DET
ejif-8706	94	12	increase	increase	NOUN
ejif-8706	94	13	in	in	ADP
ejif-8706	94	14	conventional	conventional	ADJ
ejif-8706	94	15	deposits	deposit	NOUN
ejif-8706	94	16	and	and	CCONJ
ejif-8706	94	17	a	a	DET
ejif-8706	94	18	drop	drop	NOUN
ejif-8706	94	19	in	in	ADP
ejif-8706	94	20	islamic	islamic	PROPN
ejif-8706	94	21	bank	bank	NOUN
ejif-8706	94	22	deposits	deposit	NOUN
ejif-8706	94	23	.	.	PUNCT
ejif-8706	95	1	this	this	PRON
ejif-8706	95	2	happens	happen	VERB
ejif-8706	95	3	perhaps	perhaps	ADV
ejif-8706	95	4	because	because	SCONJ
ejif-8706	95	5	islamic	islamic	ADJ
ejif-8706	95	6	banks	bank	NOUN
ejif-8706	95	7	can	can	AUX
ejif-8706	95	8	not	not	PART
ejif-8706	95	9	adjust	adjust	VERB
ejif-8706	95	10	their	their	PRON
ejif-8706	95	11	rate	rate	NOUN
ejif-8706	95	12	as	as	ADV
ejif-8706	95	13	quickly	quickly	ADV
ejif-8706	95	14	as	as	SCONJ
ejif-8706	95	15	traditional	traditional	ADJ
ejif-8706	95	16	banks	bank	NOUN
ejif-8706	95	17	would	would	AUX
ejif-8706	95	18	do	do	VERB
ejif-8706	95	19	in	in	ADP
ejif-8706	95	20	the	the	DET
ejif-8706	95	21	circumstance	circumstance	NOUN
ejif-8706	95	22	,	,	PUNCT
ejif-8706	95	23	forcing	force	VERB
ejif-8706	95	24	some	some	DET
ejif-8706	95	25	customers	customer	NOUN
ejif-8706	95	26	to	to	PART
ejif-8706	95	27	move	move	VERB
ejif-8706	95	28	their	their	PRON
ejif-8706	95	29	deposits	deposit	NOUN
ejif-8706	95	30	to	to	ADP
ejif-8706	95	31	conventional	conventional	ADJ
ejif-8706	95	32	banks	bank	NOUN
ejif-8706	95	33	to	to	PART
ejif-8706	95	34	take	take	VERB
ejif-8706	95	35	advantage	advantage	NOUN
ejif-8706	95	36	of	of	ADP
ejif-8706	95	37	the	the	DET
ejif-8706	95	38	arbitrage	arbitrage	NOUN
ejif-8706	95	39	opportunity	opportunity	NOUN
ejif-8706	95	40	that	that	SCONJ
ejif-8706	95	41	a	a	DET
ejif-8706	95	42	rise	rise	NOUN
ejif-8706	95	43	in	in	ADP
ejif-8706	95	44	deposit	deposit	NOUN
ejif-8706	95	45	rates	rate	NOUN
ejif-8706	95	46	in	in	ADP
ejif-8706	95	47	conventional	conventional	ADJ
ejif-8706	95	48	banks	bank	NOUN
ejif-8706	95	49	presents	present	NOUN
ejif-8706	95	50	.	.	PUNCT
ejif-8706	96	1	but	but	CCONJ
ejif-8706	96	2	contrary	contrary	ADJ
ejif-8706	96	3	to	to	ADP
ejif-8706	96	4	this	this	DET
ejif-8706	96	5	line	line	NOUN
ejif-8706	96	6	of	of	ADP
ejif-8706	96	7	thought	thought	NOUN
ejif-8706	96	8	,	,	PUNCT
ejif-8706	96	9	saeed	saeed	PROPN
ejif-8706	96	10	et	et	PROPN
ejif-8706	96	11	al	al	PROPN
ejif-8706	96	12	.	.	PROPN
ejif-8706	97	1	(	(	PUNCT
ejif-8706	97	2	2023	2023	NUM
ejif-8706	97	3	)	)	PUNCT
ejif-8706	97	4	found	find	VERB
ejif-8706	97	5	evidence	evidence	NOUN
ejif-8706	97	6	that	that	SCONJ
ejif-8706	97	7	islamic	islamic	PROPN
ejif-8706	97	8	bank	bank	PROPN
ejif-8706	97	9	rates	rate	NOUN
ejif-8706	97	10	in	in	ADP
ejif-8706	97	11	malaysia	malaysia	PROPN
ejif-8706	97	12	positively	positively	ADV
ejif-8706	97	13	adjust	adjust	VERB
ejif-8706	97	14	to	to	ADP
ejif-8706	97	15	changes	change	NOUN
ejif-8706	97	16	in	in	ADP
ejif-8706	97	17	conventional	conventional	ADJ
ejif-8706	97	18	bank	bank	NOUN
ejif-8706	97	19	rates	rate	NOUN
ejif-8706	97	20	to	to	PART
ejif-8706	97	21	avoid	avoid	VERB
ejif-8706	97	22	withdrawal	withdrawal	NOUN
ejif-8706	97	23	risk	risk	NOUN
ejif-8706	97	24	of	of	ADP
ejif-8706	97	25	investment	investment	NOUN
ejif-8706	97	26	deposits	deposit	NOUN
ejif-8706	97	27	by	by	ADP
ejif-8706	97	28	profit	profit	NOUN
ejif-8706	97	29	-	-	PUNCT
ejif-8706	97	30	driven	drive	VERB
ejif-8706	97	31	depositors	depositor	NOUN
ejif-8706	97	32	who	who	PRON
ejif-8706	97	33	find	find	VERB
ejif-8706	97	34	islamic	islamic	ADJ
ejif-8706	97	35	investment	investment	NOUN
ejif-8706	97	36	deposits	deposit	NOUN
ejif-8706	97	37	and	and	CCONJ
ejif-8706	97	38	conventional	conventional	ADJ
ejif-8706	97	39	fixed	fix	VERB
ejif-8706	97	40	deposits	deposit	NOUN
ejif-8706	97	41	as	as	ADP
ejif-8706	97	42	substitutes	substitute	NOUN
ejif-8706	97	43	.	.	PUNCT
ejif-8706	98	1	this	this	DET
ejif-8706	98	2	empirical	empirical	ADJ
ejif-8706	98	3	evidence	evidence	NOUN
ejif-8706	98	4	also	also	ADV
ejif-8706	98	5	challenges	challenge	VERB
ejif-8706	98	6	the	the	DET
ejif-8706	98	7	theoretical	theoretical	ADJ
ejif-8706	98	8	postulation	postulation	NOUN
ejif-8706	98	9	of	of	ADP
ejif-8706	98	10	usmani	usmani	PROPN
ejif-8706	98	11	&	&	CCONJ
ejif-8706	98	12	ʻus̲mānī	ʻus̲mānī	PROPN
ejif-8706	98	13	(	(	PUNCT
ejif-8706	98	14	2002	2002	NUM
ejif-8706	98	15	)	)	PUNCT
ejif-8706	98	16	,	,	PUNCT
ejif-8706	98	17	who	who	PRON
ejif-8706	98	18	had	have	AUX
ejif-8706	98	19	argued	argue	VERB
ejif-8706	98	20	that	that	SCONJ
ejif-8706	98	21	investment	investment	NOUN
ejif-8706	98	22	account	account	NOUN
ejif-8706	98	23	deposits	deposit	NOUN
ejif-8706	98	24	are	be	AUX
ejif-8706	98	25	insulated	insulate	VERB
ejif-8706	98	26	from	from	ADP
ejif-8706	98	27	withdrawal	withdrawal	NOUN
ejif-8706	98	28	risk	risk	NOUN
ejif-8706	98	29	since	since	ADV
ejif-8706	98	30	,	,	PUNCT
ejif-8706	98	31	by	by	ADP
ejif-8706	98	32	conceptualisation	conceptualisation	NOUN
ejif-8706	98	33	,	,	PUNCT
ejif-8706	98	34	the	the	DET
ejif-8706	98	35	islamic	islamic	PROPN
ejif-8706	98	36	bank	bank	PROPN
ejif-8706	98	37	is	be	AUX
ejif-8706	98	38	under	under	ADP
ejif-8706	98	39	no	no	DET
ejif-8706	98	40	obligation	obligation	NOUN
ejif-8706	98	41	to	to	PART
ejif-8706	98	42	refund	refund	VERB
ejif-8706	98	43	the	the	DET
ejif-8706	98	44	deposit	deposit	NOUN
ejif-8706	98	45	of	of	ADP
ejif-8706	98	46	this	this	DET
ejif-8706	98	47	category	category	NOUN
ejif-8706	98	48	of	of	ADP
ejif-8706	98	49	customers	customer	NOUN
ejif-8706	98	50	.	.	PUNCT
ejif-8706	99	1	according	accord	VERB
ejif-8706	99	2	to	to	ADP
ejif-8706	99	3	him	he	PRON
ejif-8706	99	4	,	,	PUNCT
ejif-8706	99	5	the	the	DET
ejif-8706	99	6	bank	bank	NOUN
ejif-8706	99	7	can	can	AUX
ejif-8706	99	8	refuse	refuse	VERB
ejif-8706	99	9	withdrawal	withdrawal	NOUN
ejif-8706	99	10	requests	request	NOUN
ejif-8706	99	11	by	by	ADP
ejif-8706	99	12	investment	investment	NOUN
ejif-8706	99	13	account	account	NOUN
ejif-8706	99	14	holders	holder	NOUN
ejif-8706	99	15	.	.	PUNCT
ejif-8706	100	1	perhaps	perhaps	ADV
ejif-8706	100	2	one	one	NUM
ejif-8706	100	3	study	study	NOUN
ejif-8706	100	4	that	that	PRON
ejif-8706	100	5	buttresses	buttress	VERB
ejif-8706	100	6	the	the	DET
ejif-8706	100	7	fact	fact	NOUN
ejif-8706	100	8	that	that	SCONJ
ejif-8706	100	9	islamic	islamic	ADJ
ejif-8706	100	10	banks	bank	NOUN
ejif-8706	100	11	in	in	ADP
ejif-8706	100	12	malaysia	malaysia	PROPN
ejif-8706	100	13	can	can	AUX
ejif-8706	100	14	forestall	forestall	VERB
ejif-8706	100	15	the	the	DET
ejif-8706	100	16	withdrawal	withdrawal	NOUN
ejif-8706	100	17	of	of	ADP
ejif-8706	100	18	investment	investment	NOUN
ejif-8706	100	19	deposits	deposit	NOUN
ejif-8706	100	20	in	in	ADP
ejif-8706	100	21	response	response	NOUN
ejif-8706	100	22	to	to	ADP
ejif-8706	100	23	an	an	DET
ejif-8706	100	24	increase	increase	NOUN
ejif-8706	100	25	in	in	ADP
ejif-8706	100	26	interest	interest	NOUN
ejif-8706	100	27	rate	rate	NOUN
ejif-8706	100	28	is	be	AUX
ejif-8706	100	29	ali	ali	PROPN
ejif-8706	100	30	et	et	PROPN
ejif-8706	100	31	al	al	PROPN
ejif-8706	100	32	.	.	PROPN
ejif-8706	101	1	(	(	PUNCT
ejif-8706	101	2	2020	2020	NUM
ejif-8706	101	3	)	)	PUNCT
ejif-8706	101	4	,	,	PUNCT
ejif-8706	101	5	who	who	PRON
ejif-8706	101	6	examines	examine	VERB
ejif-8706	101	7	how	how	SCONJ
ejif-8706	101	8	changes	change	NOUN
ejif-8706	101	9	in	in	ADP
ejif-8706	101	10	interbank	interbank	NOUN
ejif-8706	101	11	interest	interest	NOUN
ejif-8706	101	12	rates	rate	NOUN
ejif-8706	101	13	in	in	ADP
ejif-8706	101	14	malaysia	malaysia	PROPN
ejif-8706	101	15	affect	affect	VERB
ejif-8706	101	16	islamic	islamic	ADJ
ejif-8706	101	17	banks	bank	NOUN
ejif-8706	101	18	'	'	PART
ejif-8706	101	19	deposit	deposit	NOUN
ejif-8706	101	20	and	and	CCONJ
ejif-8706	101	21	financing	financing	NOUN
ejif-8706	101	22	,	,	PUNCT
ejif-8706	101	23	using	use	VERB
ejif-8706	101	24	auto	auto	NOUN
ejif-8706	101	25	regressive	regressive	ADJ
ejif-8706	101	26	distributed	distribute	VERB
ejif-8706	101	27	lag	lag	NOUN
ejif-8706	101	28	(	(	PUNCT
ejif-8706	101	29	ardl	ardl	NOUN
ejif-8706	101	30	)	)	PUNCT
ejif-8706	101	31	and	and	CCONJ
ejif-8706	101	32	data	datum	NOUN
ejif-8706	101	33	covering	cover	VERB
ejif-8706	101	34	2007	2007	NUM
ejif-8706	101	35	to	to	ADP
ejif-8706	101	36	2018	2018	NUM
ejif-8706	101	37	.	.	PUNCT
ejif-8706	102	1	their	their	PRON
ejif-8706	102	2	findings	finding	NOUN
ejif-8706	102	3	reveal	reveal	VERB
ejif-8706	102	4	that	that	SCONJ
ejif-8706	102	5	the	the	DET
ejif-8706	102	6	interbank	interbank	NOUN
ejif-8706	102	7	interest	interest	NOUN
ejif-8706	102	8	rate	rate	NOUN
ejif-8706	102	9	positively	positively	ADV
ejif-8706	102	10	correlates	correlate	VERB
ejif-8706	102	11	with	with	ADP
ejif-8706	102	12	islamic	islamic	ADJ
ejif-8706	102	13	banks	bank	NOUN
ejif-8706	102	14	'	'	PART
ejif-8706	102	15	deposits	deposit	NOUN
ejif-8706	102	16	and	and	CCONJ
ejif-8706	102	17	total	total	ADJ
ejif-8706	102	18	financing	financing	NOUN
ejif-8706	102	19	.	.	PUNCT
ejif-8706	103	1	the	the	DET
ejif-8706	103	2	observed	observed	ADJ
ejif-8706	103	3	increase	increase	NOUN
ejif-8706	103	4	in	in	ADP
ejif-8706	103	5	islamic	islamic	ADJ
ejif-8706	103	6	banks	bank	NOUN
ejif-8706	103	7	'	'	PART
ejif-8706	103	8	deposits	deposit	NOUN
ejif-8706	103	9	may	may	AUX
ejif-8706	103	10	be	be	AUX
ejif-8706	103	11	due	due	ADJ
ejif-8706	103	12	to	to	ADP
ejif-8706	103	13	the	the	DET
ejif-8706	103	14	adjustments	adjustment	NOUN
ejif-8706	103	15	they	they	PRON
ejif-8706	103	16	can	can	AUX
ejif-8706	103	17	make	make	VERB
ejif-8706	103	18	in	in	ADP
ejif-8706	103	19	response	response	NOUN
ejif-8706	103	20	to	to	ADP
ejif-8706	103	21	conventional	conventional	ADJ
ejif-8706	103	22	bank	bank	NOUN
ejif-8706	103	23	rate	rate	NOUN
ejif-8706	103	24	changes	change	NOUN
ejif-8706	103	25	.	.	PUNCT
ejif-8706	104	1	this	this	DET
ejif-8706	104	2	outcome	outcome	NOUN
ejif-8706	104	3	contradicts	contradict	VERB
ejif-8706	104	4	the	the	DET
ejif-8706	104	5	findings	finding	NOUN
ejif-8706	104	6	of	of	ADP
ejif-8706	104	7	hakan	hakan	PROPN
ejif-8706	104	8	&	&	CCONJ
ejif-8706	104	9	gülümser	gülümser	PROPN
ejif-8706	104	10	(	(	PUNCT
ejif-8706	104	11	2011	2011	NUM
ejif-8706	104	12	)	)	PUNCT
ejif-8706	104	13	,	,	PUNCT
ejif-8706	104	14	who	who	PRON
ejif-8706	104	15	found	find	VERB
ejif-8706	104	16	that	that	SCONJ
ejif-8706	104	17	islamic	islamic	ADJ
ejif-8706	104	18	banks	bank	NOUN
ejif-8706	104	19	'	'	PART
ejif-8706	104	20	deposits	deposit	NOUN
ejif-8706	104	21	drop	drop	VERB
ejif-8706	104	22	with	with	ADP
ejif-8706	104	23	rising	rise	VERB
ejif-8706	104	24	interest	interest	NOUN
ejif-8706	104	25	rates	rate	NOUN
ejif-8706	104	26	.	.	PUNCT
ejif-8706	105	1	both	both	DET
ejif-8706	105	2	studies	study	NOUN
ejif-8706	105	3	,	,	PUNCT
ejif-8706	105	4	however	however	ADV
ejif-8706	105	5	,	,	PUNCT
ejif-8706	105	6	agree	agree	VERB
ejif-8706	105	7	on	on	ADP
ejif-8706	105	8	the	the	DET
ejif-8706	105	9	point	point	NOUN
ejif-8706	105	10	that	that	SCONJ
ejif-8706	105	11	a	a	DET
ejif-8706	105	12	rise	rise	NOUN
ejif-8706	105	13	in	in	ADP
ejif-8706	105	14	interest	interest	NOUN
ejif-8706	105	15	causes	cause	VERB
ejif-8706	105	16	islamic	islamic	ADJ
ejif-8706	105	17	loans	loan	NOUN
ejif-8706	105	18	(	(	PUNCT
ejif-8706	105	19	financing	financing	NOUN
ejif-8706	105	20	)	)	PUNCT
ejif-8706	105	21	to	to	PART
ejif-8706	105	22	increase	increase	VERB
ejif-8706	105	23	.	.	PUNCT
ejif-8706	106	1	other	other	ADJ
ejif-8706	106	2	studies	study	NOUN
ejif-8706	106	3	that	that	PRON
ejif-8706	106	4	have	have	AUX
ejif-8706	106	5	found	find	VERB
ejif-8706	106	6	evidence	evidence	NOUN
ejif-8706	106	7	that	that	SCONJ
ejif-8706	106	8	islamic	islamic	PROPN
ejif-8706	106	9	bank	bank	PROPN
ejif-8706	106	10	financing	financing	NOUN
ejif-8706	106	11	responds	respond	VERB
ejif-8706	106	12	positively	positively	ADV
ejif-8706	106	13	to	to	ADP
ejif-8706	106	14	the	the	DET
ejif-8706	106	15	increase	increase	NOUN
ejif-8706	106	16	in	in	ADP
ejif-8706	106	17	interest	interest	NOUN
ejif-8706	106	18	rate	rate	NOUN
ejif-8706	106	19	include	include	VERB
ejif-8706	106	20	ergeç	ergeç	PROPN
ejif-8706	106	21	&	&	CCONJ
ejif-8706	106	22	arslan	arslan	PROPN
ejif-8706	106	23	(	(	PUNCT
ejif-8706	106	24	2013	2013	NUM
ejif-8706	106	25	)	)	PUNCT
ejif-8706	106	26	,	,	PUNCT
ejif-8706	106	27	sukmana	sukmana	PROPN
ejif-8706	106	28	&	&	CCONJ
ejif-8706	106	29	kassim	kassim	PROPN
ejif-8706	106	30	(	(	PUNCT
ejif-8706	106	31	2010	2010	NUM
ejif-8706	106	32	)	)	PUNCT
ejif-8706	106	33	and	and	CCONJ
ejif-8706	106	34	rosly	rosly	ADV
ejif-8706	106	35	(	(	PUNCT
ejif-8706	106	36	1999	1999	NUM
ejif-8706	106	37	)	)	PUNCT
ejif-8706	106	38	.	.	PUNCT
ejif-8706	107	1	the	the	DET
ejif-8706	107	2	causal	causal	ADJ
ejif-8706	107	3	effect	effect	NOUN
ejif-8706	107	4	of	of	ADP
ejif-8706	107	5	conventional	conventional	ADJ
ejif-8706	107	6	banks	bank	NOUN
ejif-8706	107	7	'	'	PART
ejif-8706	107	8	deposit	deposit	NOUN
ejif-8706	107	9	rate	rate	NOUN
ejif-8706	107	10	on	on	ADP
ejif-8706	107	11	islamic	islamic	PROPN
ejif-8706	107	12	bank	bank	PROPN
ejif-8706	107	13	investment	investment	NOUN
ejif-8706	107	14	deposit	deposit	NOUN
ejif-8706	107	15	rate(return	rate(return	NOUN
ejif-8706	107	16	rate	rate	NOUN
ejif-8706	107	17	)	)	PUNCT
ejif-8706	107	18	was	be	AUX
ejif-8706	107	19	also	also	ADV
ejif-8706	107	20	established	establish	VERB
ejif-8706	107	21	by	by	ADP
ejif-8706	107	22	chong	chong	PROPN
ejif-8706	107	23	&	&	CCONJ
ejif-8706	107	24	liu	liu	PROPN
ejif-8706	107	25	(	(	PUNCT
ejif-8706	107	26	2009	2009	NUM
ejif-8706	107	27	)	)	PUNCT
ejif-8706	107	28	,	,	PUNCT
ejif-8706	107	29	who	who	PRON
ejif-8706	107	30	investigated	investigate	VERB
ejif-8706	107	31	the	the	DET
ejif-8706	107	32	relationship	relationship	NOUN
ejif-8706	107	33	between	between	ADP
ejif-8706	107	34	the	the	DET
ejif-8706	107	35	two	two	NUM
ejif-8706	107	36	rates	rate	NOUN
ejif-8706	107	37	in	in	ADP
ejif-8706	107	38	malaysia	malaysia	PROPN
ejif-8706	107	39	.	.	PUNCT
ejif-8706	108	1	the	the	DET
ejif-8706	108	2	study	study	NOUN
ejif-8706	108	3	used	use	VERB
ejif-8706	108	4	the	the	DET
ejif-8706	108	5	bivariate	bivariate	ADJ
ejif-8706	108	6	granger	granger	PROPN
ejif-8706	108	7	causality	causality	NOUN
ejif-8706	108	8	test	test	NOUN
ejif-8706	108	9	for	for	ADP
ejif-8706	108	10	long	long	ADJ
ejif-8706	108	11	-	-	PUNCT
ejif-8706	108	12	term	term	NOUN
ejif-8706	108	13	relationships	relationship	NOUN
ejif-8706	108	14	and	and	CCONJ
ejif-8706	108	15	the	the	DET
ejif-8706	108	16	error	error	NOUN
ejif-8706	108	17	correction	correction	NOUN
ejif-8706	108	18	representation	representation	NOUN
ejif-8706	108	19	method	method	NOUN
ejif-8706	108	20	to	to	PART
ejif-8706	108	21	determine	determine	VERB
ejif-8706	108	22	the	the	DET
ejif-8706	108	23	short	short	ADJ
ejif-8706	108	24	-	-	PUNCT
ejif-8706	108	25	term	term	NOUN
ejif-8706	108	26	relationship	relationship	NOUN
ejif-8706	108	27	.	.	PUNCT
ejif-8706	109	1	an	an	DET
ejif-8706	109	2	analysis	analysis	NOUN
ejif-8706	109	3	of	of	ADP
ejif-8706	109	4	monthly	monthly	ADJ
ejif-8706	109	5	data	datum	NOUN
ejif-8706	109	6	from	from	ADP
ejif-8706	109	7	1995	1995	NUM
ejif-8706	109	8	to	to	ADP
ejif-8706	109	9	2004	2004	NUM
ejif-8706	109	10	and	and	CCONJ
ejif-8706	109	11	109	109	NUM
ejif-8706	109	12	sample	sample	NOUN
ejif-8706	109	13	size	size	NOUN
ejif-8706	109	14	for	for	ADP
ejif-8706	109	15	each	each	DET
ejif-8706	109	16	time	time	NOUN
ejif-8706	109	17	series	series	NOUN
ejif-8706	109	18	revealed	reveal	VERB
ejif-8706	109	19	changes	change	NOUN
ejif-8706	109	20	in	in	ADP
ejif-8706	109	21	conventional	conventional	ADJ
ejif-8706	109	22	deposit	deposit	NOUN
ejif-8706	109	23	rate	rate	NOUN
ejif-8706	109	24	granger	granger	NOUN
ejif-8706	109	25	-	-	PUNCT
ejif-8706	109	26	cause	cause	NOUN
ejif-8706	109	27	changes	change	NOUN
ejif-8706	109	28	in	in	ADP
ejif-8706	109	29	islamic	islamic	ADJ
ejif-8706	109	30	investment	investment	NOUN
ejif-8706	109	31	rate	rate	NOUN
ejif-8706	109	32	but	but	CCONJ
ejif-8706	109	33	not	not	PART
ejif-8706	109	34	vice	vice	ADV
ejif-8706	109	35	versa	versa	ADV
ejif-8706	109	36	.	.	PUNCT
ejif-8706	110	1	the	the	DET
ejif-8706	110	2	study	study	NOUN
ejif-8706	110	3	further	far	ADV
ejif-8706	110	4	confirms	confirm	VERB
ejif-8706	110	5	a	a	DET
ejif-8706	110	6	long	long	ADJ
ejif-8706	110	7	-	-	PUNCT
ejif-8706	110	8	term	term	NOUN
ejif-8706	110	9	cointegration	cointegration	NOUN
ejif-8706	110	10	between	between	ADP
ejif-8706	110	11	the	the	DET
ejif-8706	110	12	islamic	islamic	ADJ
ejif-8706	110	13	investment	investment	NOUN
ejif-8706	110	14	rate	rate	NOUN
ejif-8706	110	15	and	and	CCONJ
ejif-8706	110	16	the	the	DET
ejif-8706	110	17	traditional	traditional	ADJ
ejif-8706	110	18	deposit	deposit	NOUN
ejif-8706	110	19	rate	rate	NOUN
ejif-8706	110	20	of	of	ADP
ejif-8706	110	21	both	both	DET
ejif-8706	110	22	bank	bank	PROPN
ejif-8706	110	23	and	and	CCONJ
ejif-8706	110	24	nonbank	nonbank	PROPN
ejif-8706	110	25	financial	financial	ADJ
ejif-8706	110	26	institutions	institution	NOUN
ejif-8706	110	27	in	in	ADP
ejif-8706	110	28	malaysia	malaysia	PROPN
ejif-8706	110	29	.	.	PUNCT
ejif-8706	111	1	islamic	islamic	ADJ
ejif-8706	111	2	deposit	deposit	NOUN
ejif-8706	111	3	rates	rate	NOUN
ejif-8706	111	4	are	be	AUX
ejif-8706	111	5	found	find	VERB
ejif-8706	111	6	to	to	PART
ejif-8706	111	7	be	be	AUX
ejif-8706	111	8	pegged	peg	VERB
ejif-8706	111	9	to	to	ADP
ejif-8706	111	10	conventional	conventional	ADJ
ejif-8706	111	11	rates	rate	NOUN
ejif-8706	111	12	.	.	PUNCT
ejif-8706	112	1	the	the	DET
ejif-8706	112	2	reason	reason	NOUN
ejif-8706	112	3	for	for	ADP
ejif-8706	112	4	this	this	DET
ejif-8706	112	5	relationship	relationship	NOUN
ejif-8706	112	6	,	,	PUNCT
ejif-8706	112	7	the	the	DET
ejif-8706	112	8	study	study	NOUN
ejif-8706	112	9	notes	note	VERB
ejif-8706	112	10	,	,	PUNCT
ejif-8706	112	11	is	be	AUX
ejif-8706	112	12	the	the	DET
ejif-8706	112	13	environment	environment	NOUN
ejif-8706	112	14	in	in	ADP
ejif-8706	112	15	which	which	PRON
ejif-8706	112	16	islamic	islamic	ADJ
ejif-8706	112	17	banks	bank	NOUN
ejif-8706	112	18	operate	operate	VERB
ejif-8706	112	19	,	,	PUNCT
ejif-8706	112	20	which	which	PRON
ejif-8706	112	21	requires	require	VERB
ejif-8706	112	22	them	they	PRON
ejif-8706	112	23	to	to	PART
ejif-8706	112	24	compete	compete	VERB
ejif-8706	112	25	with	with	ADP
ejif-8706	112	26	their	their	PRON
ejif-8706	112	27	traditional	traditional	ADJ
ejif-8706	112	28	counterparts	counterpart	NOUN
ejif-8706	112	29	.	.	PUNCT
ejif-8706	113	1	other	other	ADJ
ejif-8706	113	2	studies	study	NOUN
ejif-8706	113	3	such	such	ADJ
ejif-8706	113	4	as	as	ADP
ejif-8706	113	5	cevik	cevik	NOUN
ejif-8706	113	6	&	&	CCONJ
ejif-8706	113	7	charap	charap	PROPN
ejif-8706	113	8	(	(	PUNCT
ejif-8706	113	9	2015	2015	NUM
ejif-8706	113	10	)	)	PUNCT
ejif-8706	113	11	,	,	PUNCT
ejif-8706	113	12	abdurraheem	abdurraheem	PROPN
ejif-8706	113	13	&	&	CCONJ
ejif-8706	113	14	mohamed	mohamed	PROPN
ejif-8706	113	15	naim	naim	PROPN
ejif-8706	113	16	(	(	PUNCT
ejif-8706	113	17	2016	2016	NUM
ejif-8706	113	18	)	)	PUNCT
ejif-8706	113	19	,	,	PUNCT
ejif-8706	113	20	anuar	anuar	PROPN
ejif-8706	113	21	et	et	PROPN
ejif-8706	113	22	al	al	PROPN
ejif-8706	113	23	.	.	PROPN
ejif-8706	113	24	(	(	PUNCT
ejif-8706	113	25	2014	2014	NUM
ejif-8706	113	26	)	)	PUNCT
ejif-8706	113	27	and	and	CCONJ
ejif-8706	113	28	yüksel	yüksel	PROPN
ejif-8706	113	29	et	et	PROPN
ejif-8706	113	30	al	al	PROPN
ejif-8706	113	31	.	.	PROPN
ejif-8706	113	32	(	(	PUNCT
ejif-8706	113	33	2017	2017	NUM
ejif-8706	113	34	)	)	PUNCT
ejif-8706	113	35	have	have	AUX
ejif-8706	113	36	all	all	PRON
ejif-8706	113	37	found	find	VERB
ejif-8706	113	38	corroborating	corroborate	VERB
ejif-8706	113	39	evidence	evidence	NOUN
ejif-8706	113	40	for	for	ADP
ejif-8706	113	41	the	the	DET
ejif-8706	113	42	nexus	nexus	NOUN
ejif-8706	113	43	between	between	ADP
ejif-8706	113	44	conventional	conventional	ADJ
ejif-8706	113	45	banks	bank	NOUN
ejif-8706	113	46	deposit	deposit	NOUN
ejif-8706	113	47	rates	rate	NOUN
ejif-8706	113	48	and	and	CCONJ
ejif-8706	113	49	islamic	islamic	ADJ
ejif-8706	113	50	banks	bank	NOUN
ejif-8706	113	51	return	return	VERB
ejif-8706	113	52	rate	rate	NOUN
ejif-8706	113	53	on	on	ADP
ejif-8706	113	54	investment	investment	NOUN
ejif-8706	113	55	account	account	NOUN
ejif-8706	113	56	deposits	deposit	NOUN
ejif-8706	113	57	.	.	PUNCT
ejif-8706	114	1	in	in	ADP
ejif-8706	114	2	justifying	justify	VERB
ejif-8706	114	3	the	the	DET
ejif-8706	114	4	above	above	ADJ
ejif-8706	114	5	findings	finding	NOUN
ejif-8706	114	6	,	,	PUNCT
ejif-8706	114	7	saeed	saeed	PROPN
ejif-8706	114	8	et	et	PROPN
ejif-8706	114	9	al	al	PROPN
ejif-8706	114	10	.	.	PROPN
ejif-8706	115	1	(	(	PUNCT
ejif-8706	115	2	2023	2023	NUM
ejif-8706	115	3	)	)	PUNCT
ejif-8706	115	4	explained	explain	VERB
ejif-8706	115	5	that	that	SCONJ
ejif-8706	115	6	when	when	SCONJ
ejif-8706	115	7	deposit	deposit	NOUN
ejif-8706	115	8	rates	rate	NOUN
ejif-8706	115	9	go	go	VERB
ejif-8706	115	10	up	up	ADP
ejif-8706	115	11	in	in	ADP
ejif-8706	115	12	conventional	conventional	ADJ
ejif-8706	115	13	banks	bank	NOUN
ejif-8706	115	14	,	,	PUNCT
ejif-8706	115	15	islamic	islamic	ADJ
ejif-8706	115	16	banks	bank	NOUN
ejif-8706	115	17	try	try	VERB
ejif-8706	115	18	to	to	PART
ejif-8706	115	19	forestall	forestall	VERB
ejif-8706	115	20	withdrawals	withdrawal	NOUN
ejif-8706	115	21	of	of	ADP
ejif-8706	115	22	deposits	deposit	NOUN
ejif-8706	115	23	by	by	ADP
ejif-8706	115	24	profit	profit	NOUN
ejif-8706	115	25	-	-	PUNCT
ejif-8706	115	26	driven	drive	VERB
ejif-8706	115	27	customers	customer	NOUN
ejif-8706	115	28	by	by	ADP
ejif-8706	115	29	using	use	VERB
ejif-8706	115	30	some	some	PRON
ejif-8706	115	31	of	of	ADP
ejif-8706	115	32	their	their	PRON
ejif-8706	115	33	earnings	earning	NOUN
ejif-8706	115	34	to	to	PART
ejif-8706	115	35	argue	argue	VERB
ejif-8706	115	36	the	the	DET
ejif-8706	115	37	european	european	PROPN
ejif-8706	115	38	journal	journal	PROPN
ejif-8706	115	39	of	of	ADP
ejif-8706	115	40	islamic	islamic	PROPN
ejif-8706	115	41	finance	finance	PROPN
ejif-8706	115	42	issn	issn	PROPN
ejif-8706	115	43	:	:	PUNCT
ejif-8706	115	44	2421	2421	NUM
ejif-8706	115	45	-	-	SYM
ejif-8706	115	46	2172	2172	NUM
ejif-8706	115	47	doi	doi	NOUN
ejif-8706	115	48	:	:	PUNCT
ejif-8706	115	49	10.13135/2421	10.13135/2421	NUM
ejif-8706	115	50	-	-	SYM
ejif-8706	115	51	2172/8706	2172/8706	NUM
ejif-8706	115	52	published	publish	VERB
ejif-8706	115	53	by	by	ADP
ejif-8706	115	54	university	university	PROPN
ejif-8706	115	55	of	of	ADP
ejif-8706	115	56	turin	turin	PROPN
ejif-8706	115	57	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	115	58	ejif	ejif	PROPN
ejif-8706	115	59	content	content	NOUN
ejif-8706	115	60	is	be	AUX
ejif-8706	115	61	licensed	license	VERB
ejif-8706	115	62	under	under	ADP
ejif-8706	115	63	a	a	DET
ejif-8706	115	64	creative	creative	ADJ
ejif-8706	115	65	commons	common	NOUN
ejif-8706	115	66	attribution	attribution	NOUN
ejif-8706	115	67	4.0	4.0	NUM
ejif-8706	115	68	international	international	ADJ
ejif-8706	115	69	license	license	NOUN
ejif-8706	115	70	52	52	NUM
ejif-8706	115	71	returns	return	NOUN
ejif-8706	115	72	payable	payable	ADJ
ejif-8706	115	73	to	to	ADP
ejif-8706	115	74	investment	investment	NOUN
ejif-8706	115	75	account	account	NOUN
ejif-8706	115	76	holders	holder	NOUN
ejif-8706	115	77	.	.	PUNCT
ejif-8706	116	1	where	where	SCONJ
ejif-8706	116	2	the	the	DET
ejif-8706	116	3	earnings	earning	NOUN
ejif-8706	116	4	are	be	AUX
ejif-8706	116	5	inadequate	inadequate	ADJ
ejif-8706	116	6	to	to	PART
ejif-8706	116	7	cater	cater	VERB
ejif-8706	116	8	to	to	ADP
ejif-8706	116	9	this	this	DET
ejif-8706	116	10	need	need	NOUN
ejif-8706	116	11	,	,	PUNCT
ejif-8706	116	12	part	part	NOUN
ejif-8706	116	13	of	of	ADP
ejif-8706	116	14	the	the	DET
ejif-8706	116	15	banks	bank	NOUN
ejif-8706	116	16	'	'	PART
ejif-8706	116	17	capital	capital	NOUN
ejif-8706	116	18	is	be	AUX
ejif-8706	116	19	deployed	deploy	VERB
ejif-8706	116	20	to	to	ADP
ejif-8706	116	21	the	the	DET
ejif-8706	116	22	rescue	rescue	NOUN
ejif-8706	116	23	,	,	PUNCT
ejif-8706	116	24	leading	lead	VERB
ejif-8706	116	25	to	to	ADP
ejif-8706	116	26	displaced	displace	VERB
ejif-8706	116	27	commercial	commercial	ADJ
ejif-8706	116	28	risk	risk	NOUN
ejif-8706	116	29	.	.	PUNCT
ejif-8706	117	1	on	on	ADP
ejif-8706	117	2	his	his	PRON
ejif-8706	117	3	part	part	NOUN
ejif-8706	117	4	,	,	PUNCT
ejif-8706	117	5	khalidin	khalidin	X
ejif-8706	117	6	(	(	PUNCT
ejif-8706	117	7	2017	2017	NUM
ejif-8706	117	8	)	)	PUNCT
ejif-8706	117	9	examined	examine	VERB
ejif-8706	117	10	how	how	SCONJ
ejif-8706	117	11	conventional	conventional	ADJ
ejif-8706	117	12	banks	bank	NOUN
ejif-8706	117	13	'	'	PART
ejif-8706	117	14	interest	interest	NOUN
ejif-8706	117	15	rate	rate	NOUN
ejif-8706	117	16	on	on	ADP
ejif-8706	117	17	consumption	consumption	NOUN
ejif-8706	117	18	,	,	PUNCT
ejif-8706	117	19	the	the	DET
ejif-8706	117	20	interest	interest	NOUN
ejif-8706	117	21	rate	rate	NOUN
ejif-8706	117	22	on	on	ADP
ejif-8706	117	23	working	work	VERB
ejif-8706	117	24	capital	capital	NOUN
ejif-8706	117	25	and	and	CCONJ
ejif-8706	117	26	interbank	interbank	NOUN
ejif-8706	117	27	money	money	NOUN
ejif-8706	117	28	market	market	NOUN
ejif-8706	117	29	rates	rate	NOUN
ejif-8706	117	30	affects	affect	VERB
ejif-8706	117	31	islamic	islamic	PROPN
ejif-8706	117	32	bank	bank	PROPN
ejif-8706	117	33	's	's	PART
ejif-8706	117	34	total	total	ADJ
ejif-8706	117	35	financing	financing	NOUN
ejif-8706	117	36	and	and	CCONJ
ejif-8706	117	37	murabaha	murabaha	NOUN
ejif-8706	117	38	financing	financing	NOUN
ejif-8706	117	39	in	in	ADP
ejif-8706	117	40	indonesia	indonesia	PROPN
ejif-8706	117	41	through	through	ADP
ejif-8706	117	42	the	the	DET
ejif-8706	117	43	instrumentality	instrumentality	NOUN
ejif-8706	117	44	of	of	ADP
ejif-8706	117	45	a	a	DET
ejif-8706	117	46	vector	vector	NOUN
ejif-8706	117	47	auto	auto	NOUN
ejif-8706	117	48	regression	regression	NOUN
ejif-8706	117	49	model	model	NOUN
ejif-8706	117	50	covering	cover	VERB
ejif-8706	117	51	the	the	DET
ejif-8706	117	52	period	period	NOUN
ejif-8706	117	53	between	between	ADP
ejif-8706	117	54	2009	2009	NUM
ejif-8706	117	55	and	and	CCONJ
ejif-8706	117	56	2015	2015	NUM
ejif-8706	117	57	.	.	PUNCT
ejif-8706	118	1	the	the	DET
ejif-8706	118	2	study	study	NOUN
ejif-8706	118	3	finds	find	VERB
ejif-8706	118	4	that	that	SCONJ
ejif-8706	118	5	while	while	SCONJ
ejif-8706	118	6	commercial	commercial	ADJ
ejif-8706	118	7	banks	bank	NOUN
ejif-8706	118	8	'	'	PART
ejif-8706	118	9	rate	rate	NOUN
ejif-8706	118	10	on	on	ADP
ejif-8706	118	11	working	work	VERB
ejif-8706	118	12	capital	capital	NOUN
ejif-8706	118	13	and	and	CCONJ
ejif-8706	118	14	inter	inter	ADJ
ejif-8706	118	15	-	-	ADJ
ejif-8706	118	16	bank	bank	ADJ
ejif-8706	118	17	money	money	NOUN
ejif-8706	118	18	market	market	NOUN
ejif-8706	118	19	rates	rate	NOUN
ejif-8706	118	20	influence	influence	VERB
ejif-8706	118	21	islamic	islamic	ADJ
ejif-8706	118	22	banks	bank	NOUN
ejif-8706	118	23	'	'	PART
ejif-8706	118	24	total	total	ADJ
ejif-8706	118	25	financing	financing	NOUN
ejif-8706	118	26	,	,	PUNCT
ejif-8706	118	27	commercial	commercial	ADJ
ejif-8706	118	28	banks	bank	NOUN
ejif-8706	118	29	'	'	PART
ejif-8706	118	30	rate	rate	NOUN
ejif-8706	118	31	on	on	ADP
ejif-8706	118	32	consumption	consumption	NOUN
ejif-8706	118	33	influences	influence	NOUN
ejif-8706	118	34	murabaha	murabaha	NOUN
ejif-8706	118	35	financing	financing	NOUN
ejif-8706	118	36	.	.	PUNCT
ejif-8706	119	1	curiously	curiously	ADV
ejif-8706	119	2	,	,	PUNCT
ejif-8706	119	3	the	the	DET
ejif-8706	119	4	study	study	NOUN
ejif-8706	119	5	is	be	AUX
ejif-8706	119	6	silent	silent	ADJ
ejif-8706	119	7	on	on	ADP
ejif-8706	119	8	the	the	DET
ejif-8706	119	9	nature	nature	NOUN
ejif-8706	119	10	of	of	ADP
ejif-8706	119	11	the	the	DET
ejif-8706	119	12	effect	effect	NOUN
ejif-8706	119	13	,	,	PUNCT
ejif-8706	119	14	whether	whether	SCONJ
ejif-8706	119	15	it	it	PRON
ejif-8706	119	16	is	be	AUX
ejif-8706	119	17	positive	positive	ADJ
ejif-8706	119	18	or	or	CCONJ
ejif-8706	119	19	negative	negative	ADJ
ejif-8706	119	20	.	.	PUNCT
ejif-8706	120	1	however	however	ADV
ejif-8706	120	2	,	,	PUNCT
ejif-8706	120	3	looking	look	VERB
ejif-8706	120	4	at	at	ADP
ejif-8706	120	5	the	the	DET
ejif-8706	120	6	result	result	NOUN
ejif-8706	120	7	,	,	PUNCT
ejif-8706	120	8	one	one	PRON
ejif-8706	120	9	can	can	AUX
ejif-8706	120	10	deduce	deduce	VERB
ejif-8706	120	11	that	that	SCONJ
ejif-8706	120	12	the	the	DET
ejif-8706	120	13	relationship	relationship	NOUN
ejif-8706	120	14	is	be	AUX
ejif-8706	120	15	negative	negative	ADJ
ejif-8706	120	16	.	.	PUNCT
ejif-8706	121	1	nouman	nouman	NOUN
ejif-8706	121	2	et	et	PROPN
ejif-8706	121	3	al	al	PROPN
ejif-8706	121	4	.	.	PROPN
ejif-8706	121	5	's	's	PART
ejif-8706	121	6	(	(	PUNCT
ejif-8706	121	7	2022	2022	NUM
ejif-8706	121	8	)	)	PUNCT
ejif-8706	121	9	study	study	NOUN
ejif-8706	121	10	on	on	ADP
ejif-8706	121	11	interest	interest	NOUN
ejif-8706	121	12	rate	rate	NOUN
ejif-8706	121	13	volatility	volatility	NOUN
ejif-8706	121	14	and	and	CCONJ
ejif-8706	121	15	islamic	islamic	PROPN
ejif-8706	121	16	bank	bank	PROPN
ejif-8706	121	17	financing	financing	NOUN
ejif-8706	121	18	in	in	ADP
ejif-8706	121	19	pakistan	pakistan	PROPN
ejif-8706	121	20	also	also	ADV
ejif-8706	121	21	reveals	reveal	VERB
ejif-8706	121	22	both	both	CCONJ
ejif-8706	121	23	short	short	ADJ
ejif-8706	121	24	and	and	CCONJ
ejif-8706	121	25	long	long	ADJ
ejif-8706	121	26	-	-	PUNCT
ejif-8706	121	27	term	term	NOUN
ejif-8706	121	28	relationships	relationship	NOUN
ejif-8706	121	29	between	between	ADP
ejif-8706	121	30	interest	interest	NOUN
ejif-8706	121	31	rate	rate	NOUN
ejif-8706	121	32	volatility	volatility	NOUN
ejif-8706	121	33	and	and	CCONJ
ejif-8706	121	34	islamic	islamic	ADJ
ejif-8706	121	35	banks	bank	NOUN
ejif-8706	121	36	'	'	PART
ejif-8706	121	37	financing	financing	NOUN
ejif-8706	121	38	,	,	PUNCT
ejif-8706	121	39	which	which	PRON
ejif-8706	121	40	the	the	DET
ejif-8706	121	41	authors	author	NOUN
ejif-8706	121	42	attribute	attribute	VERB
ejif-8706	121	43	to	to	ADP
ejif-8706	121	44	the	the	DET
ejif-8706	121	45	prevalence	prevalence	NOUN
ejif-8706	121	46	of	of	ADP
ejif-8706	121	47	the	the	DET
ejif-8706	121	48	use	use	NOUN
ejif-8706	121	49	of	of	ADP
ejif-8706	121	50	conventional	conventional	ADJ
ejif-8706	121	51	interest	interest	NOUN
ejif-8706	121	52	rate	rate	NOUN
ejif-8706	121	53	as	as	ADP
ejif-8706	121	54	a	a	DET
ejif-8706	121	55	benchmark	benchmark	NOUN
ejif-8706	121	56	for	for	ADP
ejif-8706	121	57	pricing	price	VERB
ejif-8706	121	58	islamic	islamic	ADJ
ejif-8706	121	59	banks	bank	NOUN
ejif-8706	121	60	products	product	NOUN
ejif-8706	121	61	in	in	ADP
ejif-8706	121	62	the	the	DET
ejif-8706	121	63	country	country	NOUN
ejif-8706	121	64	.	.	PUNCT
ejif-8706	122	1	they	they	PRON
ejif-8706	122	2	employed	employ	VERB
ejif-8706	122	3	data	datum	NOUN
ejif-8706	122	4	on	on	ADP
ejif-8706	122	5	islamic	islamic	ADJ
ejif-8706	122	6	banks	bank	NOUN
ejif-8706	122	7	'	'	PART
ejif-8706	122	8	financing	financing	NOUN
ejif-8706	122	9	to	to	ADP
ejif-8706	122	10	various	various	ADJ
ejif-8706	122	11	sectors	sector	NOUN
ejif-8706	122	12	and	and	CCONJ
ejif-8706	122	13	the	the	DET
ejif-8706	122	14	karachi	karachi	PROPN
ejif-8706	122	15	inter	inter	PROPN
ejif-8706	122	16	-	-	ADJ
ejif-8706	122	17	bank	bank	ADJ
ejif-8706	122	18	offer	offer	NOUN
ejif-8706	122	19	rate	rate	NOUN
ejif-8706	122	20	(	(	PUNCT
ejif-8706	122	21	kibor	kibor	PROPN
ejif-8706	122	22	)	)	PUNCT
ejif-8706	122	23	from	from	ADP
ejif-8706	122	24	2006	2006	NUM
ejif-8706	122	25	to	to	ADP
ejif-8706	122	26	2020	2020	NUM
ejif-8706	122	27	comprising	comprise	VERB
ejif-8706	122	28	734	734	NUM
ejif-8706	122	29	observations	observation	NOUN
ejif-8706	122	30	while	while	SCONJ
ejif-8706	122	31	carrying	carry	VERB
ejif-8706	122	32	out	out	ADP
ejif-8706	122	33	unit	unit	NOUN
ejif-8706	122	34	root	root	NOUN
ejif-8706	122	35	test	test	NOUN
ejif-8706	122	36	,	,	PUNCT
ejif-8706	122	37	cointegration	cointegration	NOUN
ejif-8706	122	38	test	test	NOUN
ejif-8706	122	39	,	,	PUNCT
ejif-8706	122	40	and	and	CCONJ
ejif-8706	122	41	test	test	VERB
ejif-8706	122	42	for	for	ADP
ejif-8706	122	43	error	error	NOUN
ejif-8706	122	44	correction	correction	NOUN
ejif-8706	122	45	.	.	PUNCT
ejif-8706	123	1	the	the	DET
ejif-8706	123	2	study	study	NOUN
ejif-8706	123	3	further	far	ADV
ejif-8706	123	4	finds	find	VERB
ejif-8706	123	5	a	a	DET
ejif-8706	123	6	linkage	linkage	NOUN
ejif-8706	123	7	between	between	ADP
ejif-8706	123	8	interest	interest	NOUN
ejif-8706	123	9	rate	rate	NOUN
ejif-8706	123	10	volatility	volatility	NOUN
ejif-8706	123	11	and	and	CCONJ
ejif-8706	123	12	volatility	volatility	NOUN
ejif-8706	123	13	of	of	ADP
ejif-8706	123	14	financing	finance	VERB
ejif-8706	123	15	portfolios	portfolio	NOUN
ejif-8706	123	16	of	of	ADP
ejif-8706	123	17	islamic	islamic	ADJ
ejif-8706	123	18	banks	bank	NOUN
ejif-8706	123	19	.	.	PUNCT
ejif-8706	124	1	a	a	DET
ejif-8706	124	2	similar	similar	ADJ
ejif-8706	124	3	study	study	NOUN
ejif-8706	124	4	in	in	ADP
ejif-8706	124	5	malaysia	malaysia	PROPN
ejif-8706	124	6	investigated	investigate	VERB
ejif-8706	124	7	whether	whether	SCONJ
ejif-8706	124	8	there	there	PRON
ejif-8706	124	9	is	be	VERB
ejif-8706	124	10	any	any	DET
ejif-8706	124	11	difference	difference	NOUN
ejif-8706	124	12	in	in	ADP
ejif-8706	124	13	the	the	DET
ejif-8706	124	14	responses	response	NOUN
ejif-8706	124	15	of	of	ADP
ejif-8706	124	16	islamic	islamic	ADJ
ejif-8706	124	17	financing	financing	NOUN
ejif-8706	124	18	and	and	CCONJ
ejif-8706	124	19	conventional	conventional	ADJ
ejif-8706	124	20	credit	credit	NOUN
ejif-8706	124	21	to	to	ADP
ejif-8706	124	22	shocks	shock	NOUN
ejif-8706	124	23	in	in	ADP
ejif-8706	124	24	monetary	monetary	ADJ
ejif-8706	124	25	policy	policy	NOUN
ejif-8706	124	26	using	use	VERB
ejif-8706	124	27	the	the	DET
ejif-8706	124	28	structural	structural	ADJ
ejif-8706	124	29	vector	vector	NOUN
ejif-8706	124	30	auto	auto	NOUN
ejif-8706	124	31	regression	regression	NOUN
ejif-8706	124	32	and	and	CCONJ
ejif-8706	124	33	quarterly	quarterly	ADJ
ejif-8706	124	34	data	datum	NOUN
ejif-8706	124	35	spanning	span	VERB
ejif-8706	124	36	2000	2000	NUM
ejif-8706	124	37	to	to	ADP
ejif-8706	124	38	2013	2013	NUM
ejif-8706	124	39	(	(	PUNCT
ejif-8706	124	40	akhatova	akhatova	PROPN
ejif-8706	124	41	et	et	PROPN
ejif-8706	124	42	al	al	PROPN
ejif-8706	124	43	.	.	PROPN
ejif-8706	124	44	,	,	PUNCT
ejif-8706	124	45	2016	2016	NUM
ejif-8706	124	46	)	)	PUNCT
ejif-8706	124	47	.	.	PUNCT
ejif-8706	125	1	their	their	PRON
ejif-8706	125	2	results	result	NOUN
ejif-8706	125	3	reveal	reveal	VERB
ejif-8706	125	4	that	that	SCONJ
ejif-8706	125	5	while	while	SCONJ
ejif-8706	125	6	islamic	islamic	ADJ
ejif-8706	125	7	financing	financing	NOUN
ejif-8706	125	8	responds	respond	VERB
ejif-8706	125	9	instantaneously	instantaneously	ADV
ejif-8706	125	10	to	to	ADP
ejif-8706	125	11	monetary	monetary	ADJ
ejif-8706	125	12	policy	policy	NOUN
ejif-8706	125	13	shocks	shock	NOUN
ejif-8706	125	14	,	,	PUNCT
ejif-8706	125	15	conventional	conventional	ADJ
ejif-8706	125	16	credits	credit	NOUN
ejif-8706	125	17	exhibit	exhibit	VERB
ejif-8706	125	18	delayed	delay	VERB
ejif-8706	125	19	response	response	NOUN
ejif-8706	125	20	.	.	PUNCT
ejif-8706	126	1	reasons	reason	NOUN
ejif-8706	126	2	advanced	advanced	ADJ
ejif-8706	126	3	include	include	VERB
ejif-8706	126	4	the	the	DET
ejif-8706	126	5	fact	fact	NOUN
ejif-8706	126	6	that	that	SCONJ
ejif-8706	126	7	islamic	islamic	ADJ
ejif-8706	126	8	banks	bank	NOUN
ejif-8706	126	9	are	be	AUX
ejif-8706	126	10	mainly	mainly	ADV
ejif-8706	126	11	limited	limit	VERB
ejif-8706	126	12	to	to	ADP
ejif-8706	126	13	customer	customer	NOUN
ejif-8706	126	14	deposits	deposit	NOUN
ejif-8706	126	15	as	as	ADP
ejif-8706	126	16	a	a	DET
ejif-8706	126	17	source	source	NOUN
ejif-8706	126	18	of	of	ADP
ejif-8706	126	19	funds	fund	NOUN
ejif-8706	126	20	,	,	PUNCT
ejif-8706	126	21	hence	hence	ADV
ejif-8706	126	22	a	a	DET
ejif-8706	126	23	contraction	contraction	NOUN
ejif-8706	126	24	in	in	ADP
ejif-8706	126	25	deposits	deposit	NOUN
ejif-8706	126	26	due	due	ADJ
ejif-8706	126	27	to	to	ADP
ejif-8706	126	28	increased	increase	VERB
ejif-8706	126	29	interest	interest	NOUN
ejif-8706	126	30	rates	rate	NOUN
ejif-8706	126	31	,	,	PUNCT
ejif-8706	126	32	which	which	PRON
ejif-8706	126	33	may	may	AUX
ejif-8706	126	34	motivate	motivate	VERB
ejif-8706	126	35	less	less	ADJ
ejif-8706	126	36	-	-	PUNCT
ejif-8706	126	37	religious	religious	ADJ
ejif-8706	126	38	customers	customer	NOUN
ejif-8706	126	39	to	to	PART
ejif-8706	126	40	move	move	VERB
ejif-8706	126	41	their	their	PRON
ejif-8706	126	42	funds	fund	NOUN
ejif-8706	126	43	to	to	ADP
ejif-8706	126	44	conventional	conventional	ADJ
ejif-8706	126	45	banks	bank	NOUN
ejif-8706	126	46	,	,	PUNCT
ejif-8706	126	47	seriously	seriously	ADV
ejif-8706	126	48	impacting	impact	VERB
ejif-8706	126	49	their	their	PRON
ejif-8706	126	50	financing	financing	NOUN
ejif-8706	126	51	.	.	PUNCT
ejif-8706	127	1	ali	ali	PROPN
ejif-8706	127	2	,	,	PUNCT
ejif-8706	127	3	a.	a.	NOUN
ejif-8706	127	4	o.	o.	PROPN
ejif-8706	127	5	(	(	PUNCT
ejif-8706	127	6	2021	2021	NUM
ejif-8706	127	7	)	)	PUNCT
ejif-8706	127	8	,	,	PUNCT
ejif-8706	127	9	on	on	ADP
ejif-8706	127	10	his	his	PRON
ejif-8706	127	11	part	part	NOUN
ejif-8706	127	12	,	,	PUNCT
ejif-8706	127	13	evaluated	evaluate	VERB
ejif-8706	127	14	how	how	SCONJ
ejif-8706	127	15	monetary	monetary	ADJ
ejif-8706	127	16	policy	policy	NOUN
ejif-8706	127	17	,	,	PUNCT
ejif-8706	127	18	as	as	SCONJ
ejif-8706	127	19	represented	represent	VERB
ejif-8706	127	20	by	by	ADP
ejif-8706	127	21	overnight	overnight	ADJ
ejif-8706	127	22	policy	policy	NOUN
ejif-8706	127	23	rate	rate	NOUN
ejif-8706	127	24	,	,	PUNCT
ejif-8706	127	25	affects	affect	VERB
ejif-8706	127	26	islamic	islamic	ADJ
ejif-8706	127	27	banks	bank	NOUN
ejif-8706	127	28	'	'	PART
ejif-8706	127	29	"	"	PUNCT
ejif-8706	127	30	loans	loan	NOUN
ejif-8706	127	31	"	"	PUNCT
ejif-8706	127	32	and	and	CCONJ
ejif-8706	127	33	conventional	conventional	ADJ
ejif-8706	127	34	banks	bank	NOUN
ejif-8706	127	35	'	'	PART
ejif-8706	127	36	loan	loan	NOUN
ejif-8706	127	37	advances	advance	NOUN
ejif-8706	127	38	using	use	VERB
ejif-8706	127	39	auto	auto	NOUN
ejif-8706	127	40	regressive	regressive	ADJ
ejif-8706	127	41	distributed	distribute	VERB
ejif-8706	127	42	lag	lag	NOUN
ejif-8706	127	43	(	(	PUNCT
ejif-8706	127	44	ardl	ardl	NOUN
ejif-8706	127	45	)	)	PUNCT
ejif-8706	127	46	and	and	CCONJ
ejif-8706	127	47	monthly	monthly	ADJ
ejif-8706	127	48	data	datum	NOUN
ejif-8706	127	49	from	from	ADP
ejif-8706	127	50	2015	2015	NUM
ejif-8706	127	51	to	to	ADP
ejif-8706	127	52	2018	2018	NUM
ejif-8706	127	53	.	.	PUNCT
ejif-8706	128	1	the	the	DET
ejif-8706	128	2	study	study	NOUN
ejif-8706	128	3	finds	find	VERB
ejif-8706	128	4	that	that	SCONJ
ejif-8706	128	5	interest	interest	NOUN
ejif-8706	128	6	rate	rate	NOUN
ejif-8706	128	7	has	have	VERB
ejif-8706	128	8	a	a	DET
ejif-8706	128	9	statistically	statistically	ADV
ejif-8706	128	10	negative	negative	ADJ
ejif-8706	128	11	impact	impact	NOUN
ejif-8706	128	12	on	on	ADP
ejif-8706	128	13	islamic	islamic	ADJ
ejif-8706	128	14	banks	bank	NOUN
ejif-8706	128	15	'	'	PART
ejif-8706	128	16	loans	loan	NOUN
ejif-8706	128	17	in	in	ADP
ejif-8706	128	18	the	the	DET
ejif-8706	128	19	short	short	ADJ
ejif-8706	128	20	run	run	NOUN
ejif-8706	128	21	but	but	CCONJ
ejif-8706	128	22	not	not	PART
ejif-8706	128	23	in	in	ADP
ejif-8706	128	24	the	the	DET
ejif-8706	128	25	long	long	ADJ
ejif-8706	128	26	run	run	NOUN
ejif-8706	128	27	.	.	PUNCT
ejif-8706	129	1	for	for	ADP
ejif-8706	129	2	conventional	conventional	ADJ
ejif-8706	129	3	banks	bank	NOUN
ejif-8706	129	4	,	,	PUNCT
ejif-8706	129	5	the	the	DET
ejif-8706	129	6	effect	effect	NOUN
ejif-8706	129	7	of	of	ADP
ejif-8706	129	8	interest	interest	NOUN
ejif-8706	129	9	rates	rate	NOUN
ejif-8706	129	10	is	be	AUX
ejif-8706	129	11	negative	negative	ADJ
ejif-8706	129	12	in	in	ADP
ejif-8706	129	13	the	the	DET
ejif-8706	129	14	short	short	ADJ
ejif-8706	129	15	run	run	NOUN
ejif-8706	129	16	and	and	CCONJ
ejif-8706	129	17	positive	positive	ADJ
ejif-8706	129	18	in	in	ADP
ejif-8706	129	19	the	the	DET
ejif-8706	129	20	long	long	ADJ
ejif-8706	129	21	run	run	NOUN
ejif-8706	129	22	.	.	PUNCT
ejif-8706	130	1	a	a	DET
ejif-8706	130	2	similar	similar	ADJ
ejif-8706	130	3	study	study	NOUN
ejif-8706	130	4	in	in	ADP
ejif-8706	130	5	malaysia	malaysia	PROPN
ejif-8706	130	6	reported	report	VERB
ejif-8706	130	7	that	that	SCONJ
ejif-8706	130	8	the	the	DET
ejif-8706	130	9	response	response	NOUN
ejif-8706	130	10	of	of	ADP
ejif-8706	130	11	islamic	islamic	PROPN
ejif-8706	130	12	bank	bank	PROPN
ejif-8706	130	13	financing	financing	NOUN
ejif-8706	130	14	to	to	ADP
ejif-8706	130	15	changes	change	NOUN
ejif-8706	130	16	in	in	ADP
ejif-8706	130	17	monetary	monetary	ADJ
ejif-8706	130	18	policy	policy	NOUN
ejif-8706	130	19	is	be	AUX
ejif-8706	130	20	no	no	ADV
ejif-8706	130	21	different	different	ADJ
ejif-8706	130	22	from	from	ADP
ejif-8706	130	23	that	that	PRON
ejif-8706	130	24	of	of	ADP
ejif-8706	130	25	conventional	conventional	ADJ
ejif-8706	130	26	banks	bank	NOUN
ejif-8706	130	27	,	,	PUNCT
ejif-8706	130	28	with	with	ADP
ejif-8706	130	29	no	no	DET
ejif-8706	130	30	distinction	distinction	NOUN
ejif-8706	130	31	between	between	ADP
ejif-8706	130	32	the	the	DET
ejif-8706	130	33	short	short	ADJ
ejif-8706	130	34	and	and	CCONJ
ejif-8706	130	35	long	long	ADJ
ejif-8706	130	36	run	run	NOUN
ejif-8706	130	37	.	.	PUNCT
ejif-8706	131	1	finally	finally	ADV
ejif-8706	131	2	,	,	PUNCT
ejif-8706	131	3	šeho	šeho	VERB
ejif-8706	131	4	et	et	PROPN
ejif-8706	131	5	al	al	PROPN
ejif-8706	131	6	.	.	PROPN
ejif-8706	132	1	(	(	PUNCT
ejif-8706	132	2	2020	2020	NUM
ejif-8706	132	3	)	)	PUNCT
ejif-8706	132	4	took	take	VERB
ejif-8706	132	5	an	an	DET
ejif-8706	132	6	innovative	innovative	ADJ
ejif-8706	132	7	approach	approach	NOUN
ejif-8706	132	8	to	to	ADP
ejif-8706	132	9	the	the	DET
ejif-8706	132	10	issue	issue	NOUN
ejif-8706	132	11	by	by	ADP
ejif-8706	132	12	disaggregating	disaggregate	VERB
ejif-8706	132	13	islamic	islamic	PROPN
ejif-8706	132	14	bank	bank	PROPN
ejif-8706	132	15	financing	financing	NOUN
ejif-8706	132	16	into	into	ADP
ejif-8706	132	17	three	three	NUM
ejif-8706	132	18	categories	category	NOUN
ejif-8706	132	19	comprising	comprise	VERB
ejif-8706	132	20	sales	sale	NOUN
ejif-8706	132	21	-	-	PUNCT
ejif-8706	132	22	based	base	VERB
ejif-8706	132	23	,	,	PUNCT
ejif-8706	132	24	lease	lease	NOUN
ejif-8706	132	25	-	-	PUNCT
ejif-8706	132	26	based	base	VERB
ejif-8706	132	27	and	and	CCONJ
ejif-8706	132	28	risk	risk	NOUN
ejif-8706	132	29	-	-	PUNCT
ejif-8706	132	30	sharing	share	VERB
ejif-8706	132	31	financing	financing	NOUN
ejif-8706	132	32	types	type	NOUN
ejif-8706	132	33	while	while	SCONJ
ejif-8706	132	34	seeking	seek	VERB
ejif-8706	132	35	to	to	PART
ejif-8706	132	36	investigate	investigate	VERB
ejif-8706	132	37	the	the	DET
ejif-8706	132	38	impact	impact	NOUN
ejif-8706	132	39	of	of	ADP
ejif-8706	132	40	interest	interest	NOUN
ejif-8706	132	41	rates	rate	NOUN
ejif-8706	132	42	on	on	ADP
ejif-8706	132	43	each	each	DET
ejif-8706	132	44	type	type	NOUN
ejif-8706	132	45	.	.	PUNCT
ejif-8706	133	1	they	they	PRON
ejif-8706	133	2	also	also	ADV
ejif-8706	133	3	used	use	VERB
ejif-8706	133	4	cross	cross	ADJ
ejif-8706	133	5	-	-	ADJ
ejif-8706	133	6	country	country	ADJ
ejif-8706	133	7	panel	panel	NOUN
ejif-8706	133	8	data	datum	NOUN
ejif-8706	133	9	containing	contain	VERB
ejif-8706	133	10	77	77	NUM
ejif-8706	133	11	islamic	islamic	ADJ
ejif-8706	133	12	banks	bank	NOUN
ejif-8706	133	13	from	from	ADP
ejif-8706	133	14	13	13	NUM
ejif-8706	133	15	countries	country	NOUN
ejif-8706	133	16	,	,	PUNCT
ejif-8706	133	17	including	include	VERB
ejif-8706	133	18	southeast	southeast	PROPN
ejif-8706	133	19	asia	asia	PROPN
ejif-8706	133	20	and	and	CCONJ
ejif-8706	133	21	gcc	gcc	NOUN
ejif-8706	133	22	countries	country	NOUN
ejif-8706	133	23	,	,	PUNCT
ejif-8706	133	24	covering	cover	VERB
ejif-8706	133	25	2003	2003	NUM
ejif-8706	133	26	-	-	SYM
ejif-8706	133	27	2017	2017	NUM
ejif-8706	133	28	.	.	PUNCT
ejif-8706	134	1	this	this	PRON
ejif-8706	134	2	is	be	AUX
ejif-8706	134	3	unlike	unlike	ADP
ejif-8706	134	4	most	most	ADJ
ejif-8706	134	5	other	other	ADJ
ejif-8706	134	6	studies	study	NOUN
ejif-8706	134	7	which	which	PRON
ejif-8706	134	8	focus	focus	VERB
ejif-8706	134	9	on	on	ADP
ejif-8706	134	10	individual	individual	ADJ
ejif-8706	134	11	countries	country	NOUN
ejif-8706	134	12	.	.	PUNCT
ejif-8706	135	1	their	their	PRON
ejif-8706	135	2	analysis	analysis	NOUN
ejif-8706	135	3	of	of	ADP
ejif-8706	135	4	data	datum	NOUN
ejif-8706	135	5	obtained	obtain	VERB
ejif-8706	135	6	using	use	VERB
ejif-8706	135	7	the	the	DET
ejif-8706	135	8	gmm	gmm	PROPN
ejif-8706	135	9	estimator	estimator	NOUN
ejif-8706	135	10	is	be	AUX
ejif-8706	135	11	,	,	PUNCT
ejif-8706	135	12	perhaps	perhaps	ADV
ejif-8706	135	13	,	,	PUNCT
ejif-8706	135	14	the	the	DET
ejif-8706	135	15	most	most	ADV
ejif-8706	135	16	comprehensive	comprehensive	ADJ
ejif-8706	135	17	and	and	CCONJ
ejif-8706	135	18	most	most	ADV
ejif-8706	135	19	robust	robust	ADJ
ejif-8706	135	20	on	on	ADP
ejif-8706	135	21	this	this	DET
ejif-8706	135	22	subject	subject	NOUN
ejif-8706	135	23	in	in	ADP
ejif-8706	135	24	the	the	DET
ejif-8706	135	25	literature	literature	NOUN
ejif-8706	135	26	,	,	PUNCT
ejif-8706	135	27	creating	create	VERB
ejif-8706	135	28	deeper	deep	ADJ
ejif-8706	135	29	insight	insight	NOUN
ejif-8706	135	30	into	into	ADP
ejif-8706	135	31	how	how	SCONJ
ejif-8706	135	32	interest	interest	NOUN
ejif-8706	135	33	rate	rate	NOUN
ejif-8706	135	34	affects	affect	VERB
ejif-8706	135	35	different	different	ADJ
ejif-8706	135	36	components	component	NOUN
ejif-8706	135	37	of	of	ADP
ejif-8706	135	38	islamic	islamic	ADJ
ejif-8706	135	39	banks	bank	NOUN
ejif-8706	135	40	'	'	PART
ejif-8706	135	41	financing	financing	NOUN
ejif-8706	135	42	.	.	PUNCT
ejif-8706	136	1	the	the	DET
ejif-8706	136	2	results	result	NOUN
ejif-8706	136	3	show	show	VERB
ejif-8706	136	4	that	that	SCONJ
ejif-8706	136	5	while	while	SCONJ
ejif-8706	136	6	interest	interest	NOUN
ejif-8706	136	7	rate	rate	NOUN
ejif-8706	136	8	has	have	VERB
ejif-8706	136	9	a	a	DET
ejif-8706	136	10	negative	negative	ADJ
ejif-8706	136	11	effect	effect	NOUN
ejif-8706	136	12	on	on	ADP
ejif-8706	136	13	sales	sale	NOUN
ejif-8706	136	14	-	-	PUNCT
ejif-8706	136	15	based	base	VERB
ejif-8706	136	16	and	and	CCONJ
ejif-8706	136	17	lease	lease	NOUN
ejif-8706	136	18	-	-	PUNCT
ejif-8706	136	19	based	base	VERB
ejif-8706	136	20	financing	financing	NOUN
ejif-8706	136	21	types	type	NOUN
ejif-8706	136	22	,	,	PUNCT
ejif-8706	136	23	the	the	DET
ejif-8706	136	24	effect	effect	NOUN
ejif-8706	136	25	is	be	AUX
ejif-8706	136	26	neutral	neutral	ADJ
ejif-8706	136	27	on	on	ADP
ejif-8706	136	28	risk	risk	NOUN
ejif-8706	136	29	-	-	PUNCT
ejif-8706	136	30	sharing	share	VERB
ejif-8706	136	31	financing	financing	NOUN
ejif-8706	136	32	.	.	PUNCT
ejif-8706	137	1	this	this	PRON
ejif-8706	137	2	underscores	underscore	VERB
ejif-8706	137	3	the	the	DET
ejif-8706	137	4	importance	importance	NOUN
ejif-8706	137	5	of	of	ADP
ejif-8706	137	6	the	the	DET
ejif-8706	137	7	risk	risk	NOUN
ejif-8706	137	8	-	-	PUNCT
ejif-8706	137	9	based	base	VERB
ejif-8706	137	10	financing	financing	NOUN
ejif-8706	137	11	type	type	NOUN
ejif-8706	137	12	as	as	ADP
ejif-8706	137	13	the	the	DET
ejif-8706	137	14	most	most	ADV
ejif-8706	137	15	ideal	ideal	ADJ
ejif-8706	137	16	islamic	islamic	ADJ
ejif-8706	137	17	financing	financing	NOUN
ejif-8706	137	18	model	model	NOUN
ejif-8706	137	19	.	.	PUNCT
ejif-8706	138	1	the	the	DET
ejif-8706	138	2	study	study	NOUN
ejif-8706	138	3	finds	find	VERB
ejif-8706	138	4	that	that	SCONJ
ejif-8706	138	5	even	even	ADV
ejif-8706	138	6	in	in	ADP
ejif-8706	138	7	jurisdictions	jurisdiction	NOUN
ejif-8706	138	8	where	where	SCONJ
ejif-8706	138	9	islamic	islamic	ADJ
ejif-8706	138	10	banks	bank	NOUN
ejif-8706	138	11	have	have	AUX
ejif-8706	138	12	attained	attain	VERB
ejif-8706	138	13	systemic	systemic	ADJ
ejif-8706	138	14	significance	significance	NOUN
ejif-8706	138	15	,	,	PUNCT
ejif-8706	138	16	interest	interest	NOUN
ejif-8706	138	17	rate	rate	NOUN
ejif-8706	138	18	continues	continue	VERB
ejif-8706	138	19	to	to	PART
ejif-8706	138	20	have	have	VERB
ejif-8706	138	21	a	a	DET
ejif-8706	138	22	statistically	statistically	ADV
ejif-8706	138	23	significant	significant	ADJ
ejif-8706	138	24	negative	negative	ADJ
ejif-8706	138	25	influence	influence	NOUN
ejif-8706	138	26	on	on	ADP
ejif-8706	138	27	sales	sale	NOUN
ejif-8706	138	28	-	-	PUNCT
ejif-8706	138	29	based	base	VERB
ejif-8706	138	30	financing	financing	NOUN
ejif-8706	138	31	but	but	CCONJ
ejif-8706	138	32	not	not	PART
ejif-8706	138	33	on	on	ADP
ejif-8706	138	34	lease	lease	NOUN
ejif-8706	138	35	-	-	PUNCT
ejif-8706	138	36	based	base	VERB
ejif-8706	138	37	and	and	CCONJ
ejif-8706	138	38	risk	risk	NOUN
ejif-8706	138	39	-	-	PUNCT
ejif-8706	138	40	sharing	share	VERB
ejif-8706	138	41	financing	financing	NOUN
ejif-8706	138	42	.	.	PUNCT
ejif-8706	139	1	european	european	PROPN
ejif-8706	139	2	journal	journal	PROPN
ejif-8706	139	3	of	of	ADP
ejif-8706	139	4	islamic	islamic	PROPN
ejif-8706	139	5	finance	finance	PROPN
ejif-8706	139	6	issn	issn	PROPN
ejif-8706	139	7	:	:	PUNCT
ejif-8706	139	8	2421	2421	NUM
ejif-8706	139	9	-	-	SYM
ejif-8706	139	10	2172	2172	NUM
ejif-8706	139	11	doi	doi	NOUN
ejif-8706	139	12	:	:	PUNCT
ejif-8706	139	13	10.13135/2421	10.13135/2421	NUM
ejif-8706	139	14	-	-	SYM
ejif-8706	139	15	2172/8706	2172/8706	NUM
ejif-8706	139	16	published	publish	VERB
ejif-8706	139	17	by	by	ADP
ejif-8706	139	18	university	university	PROPN
ejif-8706	139	19	of	of	ADP
ejif-8706	139	20	turin	turin	PROPN
ejif-8706	140	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	140	2	ejif	ejif	PROPN
ejif-8706	140	3	content	content	NOUN
ejif-8706	140	4	is	be	AUX
ejif-8706	140	5	licensed	license	VERB
ejif-8706	140	6	under	under	ADP
ejif-8706	140	7	a	a	DET
ejif-8706	140	8	creative	creative	ADJ
ejif-8706	140	9	commons	common	NOUN
ejif-8706	140	10	attribution	attribution	NOUN
ejif-8706	140	11	4.0	4.0	NUM
ejif-8706	140	12	international	international	ADJ
ejif-8706	140	13	license	license	NOUN
ejif-8706	140	14	53	53	NUM
ejif-8706	140	15	3	3	NUM
ejif-8706	140	16	.	.	PUNCT
ejif-8706	140	17	methodology	methodology	NOUN
ejif-8706	140	18	this	this	DET
ejif-8706	140	19	study	study	NOUN
ejif-8706	140	20	aims	aim	VERB
ejif-8706	140	21	to	to	PART
ejif-8706	140	22	evaluate	evaluate	VERB
ejif-8706	140	23	the	the	DET
ejif-8706	140	24	effect	effect	NOUN
ejif-8706	140	25	of	of	ADP
ejif-8706	140	26	interest	interest	NOUN
ejif-8706	140	27	rates	rate	NOUN
ejif-8706	140	28	on	on	ADP
ejif-8706	140	29	islamic	islamic	PROPN
ejif-8706	140	30	bank	bank	PROPN
ejif-8706	140	31	financing	financing	NOUN
ejif-8706	140	32	in	in	ADP
ejif-8706	140	33	the	the	DET
ejif-8706	140	34	united	united	ADJ
ejif-8706	140	35	kingdom	kingdom	PROPN
ejif-8706	140	36	.	.	PUNCT
ejif-8706	141	1	we	we	PRON
ejif-8706	141	2	use	use	VERB
ejif-8706	141	3	annual	annual	ADJ
ejif-8706	141	4	data	datum	NOUN
ejif-8706	141	5	for	for	ADP
ejif-8706	141	6	total	total	ADJ
ejif-8706	141	7	funding	funding	NOUN
ejif-8706	141	8	,	,	PUNCT
ejif-8706	141	9	assets	asset	NOUN
ejif-8706	141	10	,	,	PUNCT
ejif-8706	141	11	and	and	CCONJ
ejif-8706	141	12	deposits	deposit	NOUN
ejif-8706	141	13	of	of	ADP
ejif-8706	141	14	all	all	DET
ejif-8706	141	15	four	four	NUM
ejif-8706	141	16	full	full	ADV
ejif-8706	141	17	-	-	PUNCT
ejif-8706	141	18	fledged	fledged	ADJ
ejif-8706	141	19	islamic	islamic	ADJ
ejif-8706	141	20	banks	bank	NOUN
ejif-8706	141	21	in	in	ADP
ejif-8706	141	22	the	the	DET
ejif-8706	141	23	uk	uk	PROPN
ejif-8706	141	24	.	.	PUNCT
ejif-8706	142	1	our	our	PRON
ejif-8706	142	2	sample	sample	NOUN
ejif-8706	142	3	consists	consist	VERB
ejif-8706	142	4	of	of	ADP
ejif-8706	142	5	the	the	DET
ejif-8706	142	6	following	follow	VERB
ejif-8706	142	7	banks	bank	NOUN
ejif-8706	142	8	:	:	PUNCT
ejif-8706	142	9	al	al	PROPN
ejif-8706	142	10	-	-	PUNCT
ejif-8706	142	11	rayan	rayan	PROPN
ejif-8706	142	12	bank	bank	PROPN
ejif-8706	142	13	,	,	PUNCT
ejif-8706	142	14	bank	bank	PROPN
ejif-8706	142	15	of	of	ADP
ejif-8706	142	16	london	london	PROPN
ejif-8706	142	17	and	and	CCONJ
ejif-8706	142	18	middle	middle	PROPN
ejif-8706	142	19	east	east	PROPN
ejif-8706	142	20	,	,	PUNCT
ejif-8706	142	21	qatar	qatar	PROPN
ejif-8706	142	22	islamic	islamic	PROPN
ejif-8706	142	23	bank	bank	PROPN
ejif-8706	142	24	,	,	PUNCT
ejif-8706	142	25	and	and	CCONJ
ejif-8706	142	26	gatehouse	gatehouse	NOUN
ejif-8706	142	27	bank	bank	PROPN
ejif-8706	142	28	.	.	PUNCT
ejif-8706	143	1	data	datum	NOUN
ejif-8706	143	2	covering	cover	VERB
ejif-8706	143	3	2008	2008	NUM
ejif-8706	143	4	to	to	ADP
ejif-8706	143	5	2021	2021	NUM
ejif-8706	143	6	was	be	AUX
ejif-8706	143	7	obtained	obtain	VERB
ejif-8706	143	8	from	from	ADP
ejif-8706	143	9	the	the	DET
ejif-8706	143	10	bank	bank	NOUN
ejif-8706	143	11	's	's	PART
ejif-8706	143	12	annual	annual	ADJ
ejif-8706	143	13	financial	financial	ADJ
ejif-8706	143	14	statements	statement	NOUN
ejif-8706	143	15	to	to	PART
ejif-8706	143	16	form	form	VERB
ejif-8706	143	17	panel	panel	NOUN
ejif-8706	143	18	data	datum	NOUN
ejif-8706	143	19	comprising	comprise	VERB
ejif-8706	143	20	60	60	NUM
ejif-8706	143	21	observations	observation	NOUN
ejif-8706	143	22	.	.	PUNCT
ejif-8706	144	1	similarly	similarly	ADV
ejif-8706	144	2	,	,	PUNCT
ejif-8706	144	3	data	datum	NOUN
ejif-8706	144	4	on	on	ADP
ejif-8706	144	5	the	the	DET
ejif-8706	144	6	united	united	PROPN
ejif-8706	144	7	kingdom	kingdom	PROPN
ejif-8706	144	8	's	's	PART
ejif-8706	144	9	macroeconomic	macroeconomic	ADJ
ejif-8706	144	10	variables	variable	NOUN
ejif-8706	144	11	,	,	PUNCT
ejif-8706	144	12	such	such	ADJ
ejif-8706	144	13	as	as	ADP
ejif-8706	144	14	inflation	inflation	NOUN
ejif-8706	144	15	rate	rate	NOUN
ejif-8706	144	16	,	,	PUNCT
ejif-8706	144	17	interest	interest	NOUN
ejif-8706	144	18	rate	rate	NOUN
ejif-8706	144	19	(	(	PUNCT
ejif-8706	144	20	proxied	proxie	VERB
ejif-8706	144	21	by	by	ADP
ejif-8706	144	22	bank	bank	NOUN
ejif-8706	144	23	rate	rate	NOUN
ejif-8706	144	24	)	)	PUNCT
ejif-8706	144	25	and	and	CCONJ
ejif-8706	144	26	gdp	gdp	NOUN
ejif-8706	144	27	growth	growth	NOUN
ejif-8706	144	28	rate	rate	NOUN
ejif-8706	144	29	,	,	PUNCT
ejif-8706	144	30	were	be	AUX
ejif-8706	144	31	obtained	obtain	VERB
ejif-8706	144	32	from	from	ADP
ejif-8706	144	33	www.macrotrends.net	www.macrotrends.net	NOUN
ejif-8706	144	34	.	.	PUNCT
ejif-8706	145	1	the	the	DET
ejif-8706	145	2	natural	natural	ADJ
ejif-8706	145	3	log	log	NOUN
ejif-8706	145	4	of	of	ADP
ejif-8706	145	5	total	total	ADJ
ejif-8706	145	6	financing	financing	NOUN
ejif-8706	145	7	,	,	PUNCT
ejif-8706	145	8	total	total	ADJ
ejif-8706	145	9	assets	asset	NOUN
ejif-8706	145	10	and	and	CCONJ
ejif-8706	145	11	total	total	ADJ
ejif-8706	145	12	deposits	deposit	NOUN
ejif-8706	145	13	addresses	address	VERB
ejif-8706	145	14	the	the	DET
ejif-8706	145	15	trend	trend	NOUN
ejif-8706	145	16	problem	problem	NOUN
ejif-8706	145	17	in	in	ADP
ejif-8706	145	18	the	the	DET
ejif-8706	145	19	data	datum	NOUN
ejif-8706	145	20	.	.	PUNCT
ejif-8706	146	1	panel	panel	NOUN
ejif-8706	146	2	data	datum	NOUN
ejif-8706	146	3	has	have	AUX
ejif-8706	146	4	been	be	AUX
ejif-8706	146	5	adopted	adopt	VERB
ejif-8706	146	6	because	because	SCONJ
ejif-8706	146	7	it	it	PRON
ejif-8706	146	8	is	be	AUX
ejif-8706	146	9	more	more	ADV
ejif-8706	146	10	informative	informative	ADJ
ejif-8706	146	11	and	and	CCONJ
ejif-8706	146	12	reduces	reduce	VERB
ejif-8706	146	13	the	the	DET
ejif-8706	146	14	incidence	incidence	NOUN
ejif-8706	146	15	of	of	ADP
ejif-8706	146	16	collinearity	collinearity	NOUN
ejif-8706	146	17	among	among	ADP
ejif-8706	146	18	variables	variable	NOUN
ejif-8706	146	19	of	of	ADP
ejif-8706	146	20	interest	interest	NOUN
ejif-8706	146	21	.	.	PUNCT
ejif-8706	147	1	furthermore	furthermore	ADV
ejif-8706	147	2	,	,	PUNCT
ejif-8706	147	3	it	it	PRON
ejif-8706	147	4	enables	enable	VERB
ejif-8706	147	5	the	the	DET
ejif-8706	147	6	relaxation	relaxation	NOUN
ejif-8706	147	7	of	of	ADP
ejif-8706	147	8	the	the	DET
ejif-8706	147	9	zero	zero	NUM
ejif-8706	147	10	conditional	conditional	ADJ
ejif-8706	147	11	mean	mean	NOUN
ejif-8706	147	12	assumption	assumption	NOUN
ejif-8706	147	13	to	to	PART
ejif-8706	147	14	derive	derive	VERB
ejif-8706	147	15	consistent	consistent	ADJ
ejif-8706	147	16	and	and	CCONJ
ejif-8706	147	17	unbiased	unbiased	ADJ
ejif-8706	147	18	estimates	estimate	NOUN
ejif-8706	147	19	for	for	ADP
ejif-8706	147	20	our	our	PRON
ejif-8706	147	21	regression	regression	NOUN
ejif-8706	147	22	coefficients	coefficient	NOUN
ejif-8706	147	23	.	.	PUNCT
ejif-8706	148	1	the	the	DET
ejif-8706	148	2	random	random	ADJ
ejif-8706	148	3	effect	effect	NOUN
ejif-8706	148	4	estimation	estimation	NOUN
ejif-8706	148	5	technique	technique	NOUN
ejif-8706	148	6	is	be	AUX
ejif-8706	148	7	adopted	adopt	VERB
ejif-8706	148	8	to	to	PART
ejif-8706	148	9	analyse	analyse	VERB
ejif-8706	148	10	the	the	DET
ejif-8706	148	11	data	datum	NOUN
ejif-8706	148	12	.	.	PUNCT
ejif-8706	149	1	this	this	DET
ejif-8706	149	2	technique	technique	NOUN
ejif-8706	149	3	is	be	AUX
ejif-8706	149	4	chosen	choose	VERB
ejif-8706	149	5	after	after	ADP
ejif-8706	149	6	carrying	carry	VERB
ejif-8706	149	7	out	out	ADP
ejif-8706	149	8	the	the	DET
ejif-8706	149	9	hausman	hausman	ADJ
ejif-8706	149	10	test	test	NOUN
ejif-8706	149	11	for	for	ADP
ejif-8706	149	12	each	each	DET
ejif-8706	149	13	version	version	NOUN
ejif-8706	149	14	of	of	ADP
ejif-8706	149	15	the	the	DET
ejif-8706	149	16	regression	regression	NOUN
ejif-8706	149	17	models	model	NOUN
ejif-8706	149	18	specified	specify	VERB
ejif-8706	149	19	in	in	ADP
ejif-8706	149	20	the	the	DET
ejif-8706	149	21	study	study	NOUN
ejif-8706	149	22	.	.	PUNCT
ejif-8706	150	1	the	the	DET
ejif-8706	150	2	method	method	NOUN
ejif-8706	150	3	provides	provide	VERB
ejif-8706	150	4	for	for	ADP
ejif-8706	150	5	time	time	NOUN
ejif-8706	150	6	-	-	PUNCT
ejif-8706	150	7	invariant	invariant	ADJ
ejif-8706	150	8	unobserved	unobserved	ADJ
ejif-8706	150	9	variables	variable	NOUN
ejif-8706	150	10	,	,	PUNCT
ejif-8706	150	11	which	which	PRON
ejif-8706	150	12	are	be	AUX
ejif-8706	150	13	assumed	assume	VERB
ejif-8706	150	14	to	to	PART
ejif-8706	150	15	be	be	AUX
ejif-8706	150	16	uncorrelated	uncorrelate	VERB
ejif-8706	150	17	with	with	ADP
ejif-8706	150	18	the	the	DET
ejif-8706	150	19	explanatory	explanatory	ADJ
ejif-8706	150	20	variables	variable	NOUN
ejif-8706	150	21	.	.	PUNCT
ejif-8706	151	1	the	the	DET
ejif-8706	151	2	choice	choice	NOUN
ejif-8706	151	3	of	of	ADP
ejif-8706	151	4	variables	variable	NOUN
ejif-8706	151	5	follows	follow	VERB
ejif-8706	151	6	what	what	PRON
ejif-8706	151	7	is	be	AUX
ejif-8706	151	8	found	find	VERB
ejif-8706	151	9	in	in	ADP
ejif-8706	151	10	various	various	ADJ
ejif-8706	151	11	literature	literature	NOUN
ejif-8706	151	12	,	,	PUNCT
ejif-8706	151	13	such	such	ADJ
ejif-8706	151	14	as	as	ADP
ejif-8706	151	15	zulkhibri	zulkhibri	NOUN
ejif-8706	151	16	(	(	PUNCT
ejif-8706	151	17	2018	2018	NUM
ejif-8706	151	18	)	)	PUNCT
ejif-8706	151	19	and	and	CCONJ
ejif-8706	151	20	ergeç	ergeç	PROPN
ejif-8706	151	21	&	&	CCONJ
ejif-8706	151	22	arslan(2013	arslan(2013	NUM
ejif-8706	151	23	)	)	PUNCT
ejif-8706	151	24	.	.	PUNCT
ejif-8706	152	1	the	the	DET
ejif-8706	152	2	following	follow	VERB
ejif-8706	152	3	hypotheses	hypothesis	NOUN
ejif-8706	152	4	have	have	AUX
ejif-8706	152	5	been	be	AUX
ejif-8706	152	6	defined	define	VERB
ejif-8706	152	7	:	:	PUNCT
ejif-8706	152	8	ho	ho	ADJ
ejif-8706	152	9	:	:	PUNCT
ejif-8706	152	10	interest	interest	NOUN
ejif-8706	152	11	rate	rate	NOUN
ejif-8706	152	12	does	do	AUX
ejif-8706	152	13	not	not	PART
ejif-8706	152	14	have	have	VERB
ejif-8706	152	15	any	any	DET
ejif-8706	152	16	effect	effect	NOUN
ejif-8706	152	17	on	on	ADP
ejif-8706	152	18	islamic	islamic	ADJ
ejif-8706	152	19	banks	bank	NOUN
ejif-8706	152	20	'	'	PART
ejif-8706	152	21	financing	financing	NOUN
ejif-8706	152	22	h1	h1	NOUN
ejif-8706	152	23	:	:	PUNCT
ejif-8706	152	24	interest	interest	NOUN
ejif-8706	152	25	rate	rate	NOUN
ejif-8706	152	26	has	have	VERB
ejif-8706	152	27	a	a	DET
ejif-8706	152	28	significant	significant	ADJ
ejif-8706	152	29	effect	effect	NOUN
ejif-8706	152	30	on	on	ADP
ejif-8706	152	31	islamic	islamic	ADJ
ejif-8706	152	32	banks	bank	NOUN
ejif-8706	152	33	'	'	PART
ejif-8706	152	34	financing	financing	NOUN
ejif-8706	152	35	.	.	PUNCT
ejif-8706	153	1	accordingly	accordingly	ADV
ejif-8706	153	2	,	,	PUNCT
ejif-8706	153	3	the	the	DET
ejif-8706	153	4	following	follow	VERB
ejif-8706	153	5	random	random	ADJ
ejif-8706	153	6	effect	effect	NOUN
ejif-8706	153	7	baseline	baseline	NOUN
ejif-8706	153	8	model	model	NOUN
ejif-8706	153	9	is	be	AUX
ejif-8706	153	10	specified	specify	VERB
ejif-8706	153	11	to	to	PART
ejif-8706	153	12	quantify	quantify	VERB
ejif-8706	153	13	the	the	DET
ejif-8706	153	14	relationship	relationship	NOUN
ejif-8706	153	15	between	between	ADP
ejif-8706	153	16	islamic	islamic	PROPN
ejif-8706	153	17	bank	bank	PROPN
ejif-8706	153	18	financing	financing	NOUN
ejif-8706	153	19	and	and	CCONJ
ejif-8706	153	20	interest	interest	NOUN
ejif-8706	153	21	rate	rate	NOUN
ejif-8706	153	22	as	as	SCONJ
ejif-8706	153	23	represented	represent	VERB
ejif-8706	153	24	by	by	ADP
ejif-8706	153	25	the	the	DET
ejif-8706	153	26	bank	bank	PROPN
ejif-8706	153	27	of	of	ADP
ejif-8706	153	28	england	england	PROPN
ejif-8706	153	29	rate	rate	PROPN
ejif-8706	153	30	or	or	CCONJ
ejif-8706	153	31	bank	bank	NOUN
ejif-8706	153	32	rate	rate	NOUN
ejif-8706	153	33	for	for	ADP
ejif-8706	153	34	short	short	ADJ
ejif-8706	153	35	,	,	PUNCT
ejif-8706	153	36	while	while	SCONJ
ejif-8706	153	37	controlling	control	VERB
ejif-8706	153	38	for	for	ADP
ejif-8706	153	39	total	total	ADJ
ejif-8706	153	40	deposit	deposit	NOUN
ejif-8706	153	41	,	,	PUNCT
ejif-8706	153	42	total	total	ADJ
ejif-8706	153	43	assets	asset	NOUN
ejif-8706	153	44	,	,	PUNCT
ejif-8706	153	45	and	and	CCONJ
ejif-8706	153	46	other	other	ADJ
ejif-8706	153	47	microeconomic	microeconomic	ADJ
ejif-8706	153	48	variables	variable	NOUN
ejif-8706	153	49	including	include	VERB
ejif-8706	153	50	inflation	inflation	NOUN
ejif-8706	153	51	and	and	CCONJ
ejif-8706	153	52	gdp	gdp	NOUN
ejif-8706	153	53	growth	growth	NOUN
ejif-8706	153	54	rate	rate	NOUN
ejif-8706	153	55	.	.	PUNCT
ejif-8706	154	1	lntfinit	lntfinit	PROPN
ejif-8706	154	2	=	=	PRON
ejif-8706	154	3	αi	αi	VERB
ejif-8706	155	1	+	+	CCONJ
ejif-8706	155	2	β1intrit	β1intrit	PROPN
ejif-8706	155	3	+	+	CCONJ
ejif-8706	155	4	β2	β2	NOUN
ejif-8706	155	5	inflit	inflit	VERB
ejif-8706	155	6	+	+	CCONJ
ejif-8706	155	7	β3	β3	VERB
ejif-8706	155	8	lntdpit	lntdpit	NOUN
ejif-8706	155	9	+	+	CCONJ
ejif-8706	155	10	lnassetit	lnassetit	NOUN
ejif-8706	155	11	+	+	CCONJ
ejif-8706	155	12	gdpgrtit	gdpgrtit	NOUN
ejif-8706	155	13	+	+	CCONJ
ejif-8706	155	14	ƴzi	ƴzi	X
ejif-8706	155	15	+	+	CCONJ
ejif-8706	155	16	eit	eit	NOUN
ejif-8706	155	17	……	……	NOUN
ejif-8706	155	18	(	(	PUNCT
ejif-8706	155	19	1	1	NUM
ejif-8706	155	20	)	)	PUNCT
ejif-8706	155	21	lntfinit	lntfinit	NOUN
ejif-8706	155	22	=	=	SYM
ejif-8706	155	23	αi	αi	VERB
ejif-8706	156	1	+	+	CCONJ
ejif-8706	156	2	β1intrit	β1intrit	PROPN
ejif-8706	156	3	+	+	CCONJ
ejif-8706	156	4	β2	β2	NOUN
ejif-8706	156	5	lntdpit	lntdpit	NOUN
ejif-8706	156	6	+	+	CCONJ
ejif-8706	156	7	β3lnassetit	β3lnassetit	X
ejif-8706	156	8	+	+	CCONJ
ejif-8706	156	9	ƴzi	ƴzi	X
ejif-8706	157	1	+	+	CCONJ
ejif-8706	157	2	eit	eit	NOUN
ejif-8706	157	3	…	…	PUNCT
ejif-8706	157	4	……	……	X
ejif-8706	157	5	(	(	PUNCT
ejif-8706	157	6	2	2	NUM
ejif-8706	157	7	)	)	PUNCT
ejif-8706	157	8	lntfinit	lntfinit	NOUN
ejif-8706	157	9	=	=	SYM
ejif-8706	157	10	αi	αi	VERB
ejif-8706	158	1	+	+	CCONJ
ejif-8706	158	2	β1intrit	β1intrit	PROPN
ejif-8706	158	3	+	+	CCONJ
ejif-8706	158	4	β2	β2	NOUN
ejif-8706	158	5	lntdpit	lntdpit	NOUN
ejif-8706	158	6	+	+	CCONJ
ejif-8706	158	7	ƴzi	ƴzi	VERB
ejif-8706	158	8	+	+	CCONJ
ejif-8706	158	9	eit	eit	NOUN
ejif-8706	158	10	…	…	PUNCT
ejif-8706	158	11	……	……	X
ejif-8706	158	12	(	(	PUNCT
ejif-8706	158	13	3	3	NUM
ejif-8706	158	14	)	)	PUNCT
ejif-8706	158	15	lntfinit	lntfinit	NOUN
ejif-8706	158	16	=	=	SYM
ejif-8706	158	17	αi	αi	VERB
ejif-8706	159	1	+	+	CCONJ
ejif-8706	159	2	β1intrit	β1intrit	X
ejif-8706	159	3	+	+	CCONJ
ejif-8706	159	4	ƴzi	ƴzi	VERB
ejif-8706	160	1	+	+	X
ejif-8706	160	2	eit	eit	INTJ
ejif-8706	160	3	…	…	PUNCT
ejif-8706	160	4	…	…	PUNCT
ejif-8706	160	5	……	……	X
ejif-8706	160	6	(	(	PUNCT
ejif-8706	160	7	4	4	NUM
ejif-8706	160	8	)	)	PUNCT
ejif-8706	160	9	lntfinit	lntfinit	NOUN
ejif-8706	160	10	=	=	SYM
ejif-8706	160	11	αi	αi	NOUN
ejif-8706	161	1	+	+	CCONJ
ejif-8706	161	2	β1	β1	PROPN
ejif-8706	161	3	lntdpit	lntdpit	NOUN
ejif-8706	161	4	+	+	CCONJ
ejif-8706	161	5	ƴzi	ƴzi	X
ejif-8706	161	6	+	+	CCONJ
ejif-8706	161	7	eit	eit	NOUN
ejif-8706	161	8	…	…	PUNCT
ejif-8706	161	9	……	……	X
ejif-8706	161	10	(	(	PUNCT
ejif-8706	161	11	5	5	NUM
ejif-8706	161	12	)	)	PUNCT
ejif-8706	161	13	where	where	SCONJ
ejif-8706	161	14	:	:	PUNCT
ejif-8706	161	15	lntfin=	lntfin=	NUM
ejif-8706	161	16	log	log	NOUN
ejif-8706	161	17	of	of	ADP
ejif-8706	161	18	total	total	ADJ
ejif-8706	161	19	financing	financing	NOUN
ejif-8706	161	20	of	of	ADP
ejif-8706	161	21	islamic	islamic	ADJ
ejif-8706	161	22	banks	bank	NOUN
ejif-8706	161	23	intr	intr	NOUN
ejif-8706	161	24	=	=	PUNCT
ejif-8706	161	25	interest	interest	NOUN
ejif-8706	161	26	rate	rate	NOUN
ejif-8706	161	27	(	(	PUNCT
ejif-8706	161	28	as	as	SCONJ
ejif-8706	161	29	proxied	proxie	VERB
ejif-8706	161	30	by	by	ADP
ejif-8706	161	31	policy	policy	NOUN
ejif-8706	161	32	rate	rate	NOUN
ejif-8706	161	33	)	)	PUNCT
ejif-8706	161	34	infl=	infl=	NUM
ejif-8706	161	35	inflation	inflation	NOUN
ejif-8706	161	36	rate	rate	NOUN
ejif-8706	161	37	lntdp=	lntdp=	VERB
ejif-8706	161	38	log	log	NOUN
ejif-8706	161	39	of	of	ADP
ejif-8706	161	40	total	total	ADJ
ejif-8706	161	41	deposit	deposit	NOUN
ejif-8706	161	42	of	of	ADP
ejif-8706	161	43	islamic	islamic	ADJ
ejif-8706	161	44	banks	bank	NOUN
ejif-8706	161	45	lnasset=	lnasset=	DET
ejif-8706	161	46	log	log	NOUN
ejif-8706	161	47	of	of	ADP
ejif-8706	161	48	total	total	ADJ
ejif-8706	161	49	assets	asset	NOUN
ejif-8706	161	50	of	of	ADP
ejif-8706	161	51	islamic	islamic	ADJ
ejif-8706	161	52	banks	bank	NOUN
ejif-8706	161	53	gdpgrt=	gdpgrt=	PROPN
ejif-8706	161	54	gdp	gdp	NOUN
ejif-8706	161	55	growth	growth	PROPN
ejif-8706	161	56	rate	rate	NOUN
ejif-8706	161	57	european	european	PROPN
ejif-8706	161	58	journal	journal	PROPN
ejif-8706	161	59	of	of	ADP
ejif-8706	161	60	islamic	islamic	PROPN
ejif-8706	161	61	finance	finance	PROPN
ejif-8706	161	62	issn	issn	PROPN
ejif-8706	161	63	:	:	PUNCT
ejif-8706	161	64	2421	2421	NUM
ejif-8706	161	65	-	-	SYM
ejif-8706	161	66	2172	2172	NUM
ejif-8706	161	67	doi	doi	NOUN
ejif-8706	161	68	:	:	PUNCT
ejif-8706	161	69	10.13135/2421	10.13135/2421	NUM
ejif-8706	161	70	-	-	SYM
ejif-8706	161	71	2172/8706	2172/8706	NUM
ejif-8706	161	72	published	publish	VERB
ejif-8706	161	73	by	by	ADP
ejif-8706	161	74	university	university	PROPN
ejif-8706	161	75	of	of	ADP
ejif-8706	161	76	turin	turin	PROPN
ejif-8706	162	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	162	2	ejif	ejif	PROPN
ejif-8706	162	3	content	content	NOUN
ejif-8706	162	4	is	be	AUX
ejif-8706	162	5	licensed	license	VERB
ejif-8706	162	6	under	under	ADP
ejif-8706	162	7	a	a	DET
ejif-8706	162	8	creative	creative	ADJ
ejif-8706	162	9	commons	common	NOUN
ejif-8706	162	10	attribution	attribution	NOUN
ejif-8706	162	11	4.0	4.0	NUM
ejif-8706	162	12	international	international	ADJ
ejif-8706	162	13	license	license	NOUN
ejif-8706	162	14	54	54	NUM
ejif-8706	162	15	zi	zi	NOUN
ejif-8706	162	16	=	=	SYM
ejif-8706	162	17	time	time	NOUN
ejif-8706	162	18	invariant	invariant	ADJ
ejif-8706	162	19	unobserved	unobserved	ADJ
ejif-8706	162	20	variables	variable	NOUN
ejif-8706	162	21	e	e	NOUN
ejif-8706	162	22	=	=	PUNCT
ejif-8706	162	23	idiosyncratic	idiosyncratic	ADJ
ejif-8706	162	24	error	error	NOUN
ejif-8706	162	25	term	term	NOUN
ejif-8706	162	26	interest	interest	NOUN
ejif-8706	162	27	rate	rate	NOUN
ejif-8706	162	28	is	be	AUX
ejif-8706	162	29	included	include	VERB
ejif-8706	162	30	in	in	ADP
ejif-8706	162	31	the	the	DET
ejif-8706	162	32	model	model	NOUN
ejif-8706	162	33	as	as	ADP
ejif-8706	162	34	the	the	DET
ejif-8706	162	35	main	main	ADJ
ejif-8706	162	36	explanatory	explanatory	ADJ
ejif-8706	162	37	variable	variable	NOUN
ejif-8706	162	38	,	,	PUNCT
ejif-8706	162	39	given	give	VERB
ejif-8706	162	40	that	that	SCONJ
ejif-8706	162	41	our	our	PRON
ejif-8706	162	42	primary	primary	ADJ
ejif-8706	162	43	focus	focus	NOUN
ejif-8706	162	44	is	be	AUX
ejif-8706	162	45	to	to	PART
ejif-8706	162	46	establish	establish	VERB
ejif-8706	162	47	whether	whether	SCONJ
ejif-8706	162	48	or	or	CCONJ
ejif-8706	162	49	not	not	PART
ejif-8706	162	50	conventional	conventional	ADJ
ejif-8706	162	51	interest	interest	NOUN
ejif-8706	162	52	rates	rate	NOUN
ejif-8706	162	53	influence	influence	VERB
ejif-8706	162	54	islamic	islamic	ADJ
ejif-8706	162	55	banks	bank	NOUN
ejif-8706	162	56	'	'	PART
ejif-8706	162	57	financing	financing	NOUN
ejif-8706	162	58	.	.	PUNCT
ejif-8706	163	1	the	the	DET
ejif-8706	163	2	inclusion	inclusion	NOUN
ejif-8706	163	3	of	of	ADP
ejif-8706	163	4	inflation	inflation	NOUN
ejif-8706	163	5	as	as	ADP
ejif-8706	163	6	a	a	DET
ejif-8706	163	7	control	control	NOUN
ejif-8706	163	8	variable	variable	NOUN
ejif-8706	163	9	is	be	AUX
ejif-8706	163	10	based	base	VERB
ejif-8706	163	11	on	on	ADP
ejif-8706	163	12	the	the	DET
ejif-8706	163	13	fact	fact	NOUN
ejif-8706	163	14	that	that	SCONJ
ejif-8706	163	15	inflation	inflation	NOUN
ejif-8706	163	16	affects	affect	VERB
ejif-8706	163	17	islamic	islamic	PROPN
ejif-8706	163	18	bank	bank	PROPN
ejif-8706	163	19	financing	financing	NOUN
ejif-8706	163	20	as	as	SCONJ
ejif-8706	163	21	borrowers	borrower	NOUN
ejif-8706	163	22	slow	slow	VERB
ejif-8706	163	23	down	down	ADP
ejif-8706	163	24	on	on	ADP
ejif-8706	163	25	borrowing	borrow	VERB
ejif-8706	163	26	during	during	ADP
ejif-8706	163	27	periods	period	NOUN
ejif-8706	163	28	of	of	ADP
ejif-8706	163	29	high	high	ADJ
ejif-8706	163	30	inflation(m	inflation(m	NOUN
ejif-8706	163	31	.	.	PUNCT
ejif-8706	164	1	h.	h.	PROPN
ejif-8706	164	2	ali	ali	PROPN
ejif-8706	164	3	et	et	PROPN
ejif-8706	164	4	al	al	PROPN
ejif-8706	164	5	.	.	PROPN
ejif-8706	164	6	,	,	PUNCT
ejif-8706	164	7	2020	2020	NUM
ejif-8706	164	8	)	)	PUNCT
ejif-8706	164	9	.	.	PUNCT
ejif-8706	165	1	it	it	PRON
ejif-8706	165	2	also	also	ADV
ejif-8706	165	3	follows	follow	VERB
ejif-8706	165	4	what	what	PRON
ejif-8706	165	5	is	be	AUX
ejif-8706	165	6	found	find	VERB
ejif-8706	165	7	in	in	ADP
ejif-8706	165	8	previous	previous	ADJ
ejif-8706	165	9	works	work	NOUN
ejif-8706	165	10	such	such	ADJ
ejif-8706	165	11	as	as	ADP
ejif-8706	165	12	(	(	PUNCT
ejif-8706	165	13	zulkhibri	zulkhibri	NOUN
ejif-8706	165	14	,	,	PUNCT
ejif-8706	165	15	2018	2018	NUM
ejif-8706	165	16	)	)	PUNCT
ejif-8706	165	17	and	and	CCONJ
ejif-8706	165	18	(	(	PUNCT
ejif-8706	165	19	ergeç	ergeç	PROPN
ejif-8706	165	20	&	&	CCONJ
ejif-8706	165	21	arslan	arslan	PROPN
ejif-8706	165	22	,	,	PUNCT
ejif-8706	165	23	2013	2013	NUM
ejif-8706	165	24	)	)	PUNCT
ejif-8706	165	25	.	.	PUNCT
ejif-8706	166	1	the	the	DET
ejif-8706	166	2	total	total	ADJ
ejif-8706	166	3	deposit	deposit	NOUN
ejif-8706	166	4	of	of	ADP
ejif-8706	166	5	islamic	islamic	ADJ
ejif-8706	166	6	banks	bank	NOUN
ejif-8706	166	7	is	be	AUX
ejif-8706	166	8	undoubtedly	undoubtedly	ADV
ejif-8706	166	9	a	a	DET
ejif-8706	166	10	determinant	determinant	NOUN
ejif-8706	166	11	of	of	ADP
ejif-8706	166	12	the	the	DET
ejif-8706	166	13	capacity	capacity	NOUN
ejif-8706	166	14	of	of	ADP
ejif-8706	166	15	the	the	DET
ejif-8706	166	16	banks	bank	NOUN
ejif-8706	166	17	to	to	PART
ejif-8706	166	18	extend	extend	VERB
ejif-8706	166	19	financing	financing	NOUN
ejif-8706	166	20	to	to	ADP
ejif-8706	166	21	their	their	PRON
ejif-8706	166	22	customers	customer	NOUN
ejif-8706	166	23	.	.	PUNCT
ejif-8706	167	1	its	its	PRON
ejif-8706	167	2	inclusion	inclusion	NOUN
ejif-8706	167	3	in	in	ADP
ejif-8706	167	4	our	our	PRON
ejif-8706	167	5	model	model	NOUN
ejif-8706	167	6	follows	follow	VERB
ejif-8706	167	7	the	the	DET
ejif-8706	167	8	example	example	NOUN
ejif-8706	167	9	of	of	ADP
ejif-8706	167	10	ergeç	ergeç	PROPN
ejif-8706	167	11	&	&	CCONJ
ejif-8706	167	12	arslan	arslan	PROPN
ejif-8706	167	13	(	(	PUNCT
ejif-8706	167	14	2013	2013	NUM
ejif-8706	167	15	)	)	PUNCT
ejif-8706	167	16	and	and	CCONJ
ejif-8706	167	17	(	(	PUNCT
ejif-8706	167	18	m.	m.	PROPN
ejif-8706	167	19	h.	h.	PROPN
ejif-8706	167	20	ali	ali	PROPN
ejif-8706	167	21	et	et	PROPN
ejif-8706	167	22	al	al	PROPN
ejif-8706	167	23	.	.	PROPN
ejif-8706	167	24	,	,	PUNCT
ejif-8706	167	25	2020	2020	NUM
ejif-8706	167	26	)	)	PUNCT
ejif-8706	167	27	.	.	PUNCT
ejif-8706	168	1	another	another	DET
ejif-8706	168	2	bankspecific	bankspecific	ADJ
ejif-8706	168	3	variable	variable	NOUN
ejif-8706	168	4	introduced	introduce	VERB
ejif-8706	168	5	is	be	AUX
ejif-8706	168	6	total	total	ADJ
ejif-8706	168	7	assets	asset	NOUN
ejif-8706	168	8	in	in	ADP
ejif-8706	168	9	line	line	NOUN
ejif-8706	168	10	with	with	ADP
ejif-8706	168	11	existing	exist	VERB
ejif-8706	168	12	literature((šeho	literature((šeho	NOUN
ejif-8706	168	13	et	et	PROPN
ejif-8706	168	14	al	al	PROPN
ejif-8706	168	15	.	.	PROPN
ejif-8706	168	16	,	,	PUNCT
ejif-8706	168	17	2020b	2020b	NUM
ejif-8706	168	18	)	)	PUNCT
ejif-8706	168	19	.	.	PUNCT
ejif-8706	169	1	finally	finally	ADV
ejif-8706	169	2	,	,	PUNCT
ejif-8706	169	3	including	include	VERB
ejif-8706	169	4	the	the	DET
ejif-8706	169	5	gdp	gdp	NOUN
ejif-8706	169	6	growth	growth	NOUN
ejif-8706	169	7	rate	rate	NOUN
ejif-8706	169	8	also	also	ADV
ejif-8706	169	9	follows	follow	VERB
ejif-8706	169	10	the	the	DET
ejif-8706	169	11	example	example	NOUN
ejif-8706	169	12	(	(	PUNCT
ejif-8706	169	13	zulkhibri	zulkhibri	NOUN
ejif-8706	169	14	,	,	PUNCT
ejif-8706	169	15	2018	2018	NUM
ejif-8706	169	16	)	)	PUNCT
ejif-8706	169	17	.	.	PUNCT
ejif-8706	170	1	in	in	ADP
ejif-8706	170	2	line	line	NOUN
ejif-8706	170	3	with	with	ADP
ejif-8706	170	4	the	the	DET
ejif-8706	170	5	findings	finding	NOUN
ejif-8706	170	6	of	of	ADP
ejif-8706	170	7	some	some	DET
ejif-8706	170	8	previous	previous	ADJ
ejif-8706	170	9	studies	study	NOUN
ejif-8706	170	10	,	,	PUNCT
ejif-8706	170	11	such	such	ADJ
ejif-8706	170	12	as	as	ADP
ejif-8706	170	13	šeho	šeho	PROPN
ejif-8706	170	14	et	et	PROPN
ejif-8706	170	15	al	al	PROPN
ejif-8706	170	16	.	.	PROPN
ejif-8706	170	17	(	(	PUNCT
ejif-8706	170	18	2020a	2020a	NUM
ejif-8706	170	19	)	)	PUNCT
ejif-8706	170	20	,	,	PUNCT
ejif-8706	170	21	we	we	PRON
ejif-8706	170	22	assume	assume	VERB
ejif-8706	170	23	a	a	DET
ejif-8706	170	24	negative	negative	ADJ
ejif-8706	170	25	relationship	relationship	NOUN
ejif-8706	170	26	to	to	PART
ejif-8706	170	27	exist	exist	VERB
ejif-8706	170	28	between	between	ADP
ejif-8706	170	29	interest	interest	NOUN
ejif-8706	170	30	rates	rate	NOUN
ejif-8706	170	31	and	and	CCONJ
ejif-8706	170	32	islamic	islamic	ADJ
ejif-8706	170	33	banks	bank	NOUN
ejif-8706	170	34	'	'	PART
ejif-8706	170	35	financing	financing	NOUN
ejif-8706	170	36	,	,	PUNCT
ejif-8706	170	37	a	a	DET
ejif-8706	170	38	positive	positive	ADJ
ejif-8706	170	39	relationship	relationship	NOUN
ejif-8706	170	40	between	between	ADP
ejif-8706	170	41	deposit	deposit	NOUN
ejif-8706	170	42	and	and	CCONJ
ejif-8706	170	43	funding	funding	NOUN
ejif-8706	170	44	,	,	PUNCT
ejif-8706	170	45	a	a	DET
ejif-8706	170	46	positive	positive	ADJ
ejif-8706	170	47	relationship	relationship	NOUN
ejif-8706	170	48	between	between	ADP
ejif-8706	170	49	banks	bank	NOUN
ejif-8706	170	50	'	'	PART
ejif-8706	170	51	total	total	ADJ
ejif-8706	170	52	asset	asset	NOUN
ejif-8706	170	53	and	and	CCONJ
ejif-8706	170	54	financing	financing	NOUN
ejif-8706	170	55	;	;	PUNCT
ejif-8706	170	56	a	a	DET
ejif-8706	170	57	negative	negative	ADJ
ejif-8706	170	58	relationship	relationship	NOUN
ejif-8706	170	59	between	between	ADP
ejif-8706	170	60	inflation	inflation	NOUN
ejif-8706	170	61	and	and	CCONJ
ejif-8706	170	62	islamic	islamic	ADJ
ejif-8706	170	63	banks	bank	NOUN
ejif-8706	170	64	'	'	PART
ejif-8706	170	65	financing	financing	NOUN
ejif-8706	170	66	and	and	CCONJ
ejif-8706	170	67	;	;	PUNCT
ejif-8706	170	68	a	a	DET
ejif-8706	170	69	positive	positive	ADJ
ejif-8706	170	70	relationship	relationship	NOUN
ejif-8706	170	71	between	between	ADP
ejif-8706	170	72	gdp	gdp	NOUN
ejif-8706	170	73	growth	growth	NOUN
ejif-8706	170	74	rate	rate	NOUN
ejif-8706	170	75	and	and	CCONJ
ejif-8706	170	76	islamic	islamic	ADJ
ejif-8706	170	77	banks	bank	NOUN
ejif-8706	170	78	'	'	PART
ejif-8706	170	79	financing	financing	NOUN
ejif-8706	170	80	.	.	PUNCT
ejif-8706	171	1	we	we	PRON
ejif-8706	171	2	also	also	ADV
ejif-8706	171	3	seek	seek	VERB
ejif-8706	171	4	to	to	PART
ejif-8706	171	5	test	test	VERB
ejif-8706	171	6	whether	whether	SCONJ
ejif-8706	171	7	changes	change	NOUN
ejif-8706	171	8	in	in	ADP
ejif-8706	171	9	interest	interest	NOUN
ejif-8706	171	10	rates	rate	NOUN
ejif-8706	171	11	have	have	VERB
ejif-8706	171	12	any	any	DET
ejif-8706	171	13	effect	effect	NOUN
ejif-8706	171	14	on	on	ADP
ejif-8706	171	15	islamic	islamic	ADJ
ejif-8706	171	16	banks	bank	NOUN
ejif-8706	171	17	'	'	PART
ejif-8706	171	18	deposits	deposit	NOUN
ejif-8706	171	19	,	,	PUNCT
ejif-8706	171	20	as	as	SCONJ
ejif-8706	171	21	postulated	postulate	VERB
ejif-8706	171	22	by	by	ADP
ejif-8706	171	23	rosly	rosly	ADV
ejif-8706	171	24	(	(	PUNCT
ejif-8706	171	25	1999	1999	NUM
ejif-8706	171	26	)	)	PUNCT
ejif-8706	171	27	,	,	PUNCT
ejif-8706	171	28	by	by	ADP
ejif-8706	171	29	specifying	specify	VERB
ejif-8706	171	30	the	the	DET
ejif-8706	171	31	following	follow	VERB
ejif-8706	171	32	hypothesis	hypothesis	NOUN
ejif-8706	171	33	and	and	CCONJ
ejif-8706	171	34	model	model	NOUN
ejif-8706	171	35	:	:	PUNCT
ejif-8706	171	36	h0	h0	NOUN
ejif-8706	171	37	:	:	PUNCT
ejif-8706	171	38	interest	interest	NOUN
ejif-8706	171	39	rate	rate	NOUN
ejif-8706	171	40	does	do	AUX
ejif-8706	171	41	not	not	PART
ejif-8706	171	42	have	have	VERB
ejif-8706	171	43	a	a	DET
ejif-8706	171	44	significant	significant	ADJ
ejif-8706	171	45	impact	impact	NOUN
ejif-8706	171	46	on	on	ADP
ejif-8706	171	47	islamic	islamic	ADJ
ejif-8706	171	48	banks	bank	NOUN
ejif-8706	171	49	'	'	PART
ejif-8706	171	50	deposits	deposit	NOUN
ejif-8706	171	51	h1	h1	PROPN
ejif-8706	171	52	:	:	PUNCT
ejif-8706	171	53	interest	interest	NOUN
ejif-8706	171	54	rate	rate	NOUN
ejif-8706	171	55	has	have	VERB
ejif-8706	171	56	a	a	DET
ejif-8706	171	57	substantial	substantial	ADJ
ejif-8706	171	58	impact	impact	NOUN
ejif-8706	171	59	on	on	ADP
ejif-8706	171	60	islamic	islamic	ADJ
ejif-8706	171	61	banks	bank	NOUN
ejif-8706	171	62	'	'	PART
ejif-8706	171	63	deposits	deposit	NOUN
ejif-8706	171	64	to	to	PART
ejif-8706	171	65	test	test	VERB
ejif-8706	171	66	this	this	DET
ejif-8706	171	67	hypothesis	hypothesis	NOUN
ejif-8706	171	68	,	,	PUNCT
ejif-8706	171	69	we	we	PRON
ejif-8706	171	70	specify	specify	VERB
ejif-8706	171	71	the	the	DET
ejif-8706	171	72	model	model	NOUN
ejif-8706	171	73	below	below	ADV
ejif-8706	171	74	:	:	PUNCT
ejif-8706	171	75	lntdpit	lntdpit	NOUN
ejif-8706	172	1	=	=	NOUN
ejif-8706	172	2	αi	αi	NOUN
ejif-8706	173	1	+	+	CCONJ
ejif-8706	173	2	β1	β1	PROPN
ejif-8706	173	3	intrit	intrit	PROPN
ejif-8706	173	4	+	+	CCONJ
ejif-8706	173	5	ƴzi	ƴzi	VERB
ejif-8706	174	1	+	+	X
ejif-8706	174	2	eit	eit	INTJ
ejif-8706	174	3	…	…	PUNCT
ejif-8706	174	4	…	…	PUNCT
ejif-8706	174	5	……	……	X
ejif-8706	174	6	(	(	PUNCT
ejif-8706	174	7	6	6	NUM
ejif-8706	174	8	)	)	PUNCT
ejif-8706	174	9	where	where	SCONJ
ejif-8706	174	10	all	all	DET
ejif-8706	174	11	variables	variable	NOUN
ejif-8706	174	12	remain	remain	VERB
ejif-8706	174	13	as	as	SCONJ
ejif-8706	174	14	specified	specify	VERB
ejif-8706	174	15	above	above	ADV
ejif-8706	174	16	.	.	PUNCT
ejif-8706	175	1	the	the	DET
ejif-8706	175	2	expectation	expectation	NOUN
ejif-8706	175	3	is	be	AUX
ejif-8706	175	4	a	a	DET
ejif-8706	175	5	negative	negative	ADJ
ejif-8706	175	6	relationship	relationship	NOUN
ejif-8706	175	7	between	between	ADP
ejif-8706	175	8	interest	interest	NOUN
ejif-8706	175	9	rates	rate	NOUN
ejif-8706	175	10	and	and	CCONJ
ejif-8706	175	11	islamic	islamic	ADJ
ejif-8706	175	12	banks	bank	NOUN
ejif-8706	175	13	'	'	PART
ejif-8706	175	14	deposits	deposit	NOUN
ejif-8706	175	15	.	.	PUNCT
ejif-8706	176	1	4	4	X
ejif-8706	176	2	.	.	NOUN
ejif-8706	176	3	results	result	NOUN
ejif-8706	176	4	table	table	NOUN
ejif-8706	176	5	1	1	NUM
ejif-8706	176	6	presents	present	VERB
ejif-8706	176	7	all	all	DET
ejif-8706	176	8	our	our	PRON
ejif-8706	176	9	variables	variable	NOUN
ejif-8706	176	10	'	'	PART
ejif-8706	176	11	mean	mean	ADJ
ejif-8706	176	12	,	,	PUNCT
ejif-8706	176	13	standard	standard	ADJ
ejif-8706	176	14	deviation	deviation	NOUN
ejif-8706	176	15	,	,	PUNCT
ejif-8706	176	16	minimum	minimum	ADJ
ejif-8706	176	17	and	and	CCONJ
ejif-8706	176	18	maximum	maximum	ADJ
ejif-8706	176	19	values	value	NOUN
ejif-8706	176	20	.	.	PUNCT
ejif-8706	177	1	the	the	DET
ejif-8706	177	2	average	average	ADJ
ejif-8706	177	3	amount	amount	NOUN
ejif-8706	177	4	of	of	ADP
ejif-8706	177	5	funding	funding	NOUN
ejif-8706	177	6	provided	provide	VERB
ejif-8706	177	7	by	by	ADP
ejif-8706	177	8	all	all	DET
ejif-8706	177	9	four	four	NUM
ejif-8706	177	10	islamic	islamic	ADJ
ejif-8706	177	11	banks	bank	NOUN
ejif-8706	177	12	in	in	ADP
ejif-8706	177	13	the	the	DET
ejif-8706	177	14	uk	uk	PROPN
ejif-8706	177	15	over	over	ADP
ejif-8706	177	16	the	the	DET
ejif-8706	177	17	period	period	NOUN
ejif-8706	177	18	is	be	AUX
ejif-8706	177	19	£	£	SYM
ejif-8706	177	20	532,025	532,025	NUM
ejif-8706	177	21	with	with	ADP
ejif-8706	177	22	a	a	DET
ejif-8706	177	23	standard	standard	ADJ
ejif-8706	177	24	deviation	deviation	NOUN
ejif-8706	177	25	of	of	ADP
ejif-8706	177	26	£	£	SYM
ejif-8706	177	27	551,414	551,414	NUM
ejif-8706	177	28	,	,	PUNCT
ejif-8706	177	29	while	while	SCONJ
ejif-8706	177	30	the	the	DET
ejif-8706	177	31	average	average	ADJ
ejif-8706	177	32	total	total	ADJ
ejif-8706	177	33	deposit	deposit	NOUN
ejif-8706	177	34	is	be	AUX
ejif-8706	177	35	£	£	SYM
ejif-8706	177	36	492,698	492,698	NUM
ejif-8706	177	37	with	with	ADP
ejif-8706	177	38	a	a	DET
ejif-8706	177	39	standard	standard	ADJ
ejif-8706	177	40	deviation	deviation	NOUN
ejif-8706	177	41	of	of	ADP
ejif-8706	177	42	£	£	SYM
ejif-8706	177	43	574,558	574,558	NUM
ejif-8706	177	44	.	.	PUNCT
ejif-8706	178	1	the	the	DET
ejif-8706	178	2	average	average	ADJ
ejif-8706	178	3	total	total	ADJ
ejif-8706	178	4	asset	asset	NOUN
ejif-8706	178	5	is	be	AUX
ejif-8706	178	6	£	£	SYM
ejif-8706	178	7	792,348	792,348	NUM
ejif-8706	178	8	.	.	PUNCT
ejif-8706	179	1	the	the	DET
ejif-8706	179	2	average	average	ADJ
ejif-8706	179	3	interest	interest	NOUN
ejif-8706	179	4	rate	rate	NOUN
ejif-8706	179	5	over	over	ADP
ejif-8706	179	6	the	the	DET
ejif-8706	179	7	same	same	ADJ
ejif-8706	179	8	period	period	NOUN
ejif-8706	179	9	is	be	AUX
ejif-8706	179	10	0.9	0.9	NUM
ejif-8706	179	11	,	,	PUNCT
ejif-8706	179	12	hovering	hover	VERB
ejif-8706	179	13	only	only	ADV
ejif-8706	179	14	between	between	ADP
ejif-8706	179	15	0.16	0.16	NUM
ejif-8706	179	16	%	%	NOUN
ejif-8706	179	17	and	and	CCONJ
ejif-8706	179	18	2.57	2.57	NUM
ejif-8706	179	19	%	%	NOUN
ejif-8706	179	20	.	.	PUNCT
ejif-8706	180	1	the	the	DET
ejif-8706	180	2	average	average	ADJ
ejif-8706	180	3	growth	growth	NOUN
ejif-8706	180	4	rate	rate	NOUN
ejif-8706	180	5	is	be	AUX
ejif-8706	180	6	1.08	1.08	NUM
ejif-8706	180	7	%	%	NOUN
ejif-8706	180	8	,	,	PUNCT
ejif-8706	180	9	with	with	ADP
ejif-8706	180	10	a	a	DET
ejif-8706	180	11	standard	standard	ADJ
ejif-8706	180	12	deviation	deviation	NOUN
ejif-8706	180	13	of	of	ADP
ejif-8706	180	14	4.06	4.06	NUM
ejif-8706	180	15	%	%	NOUN
ejif-8706	180	16	.	.	PUNCT
ejif-8706	181	1	the	the	DET
ejif-8706	181	2	high	high	ADJ
ejif-8706	181	3	standard	standard	ADJ
ejif-8706	181	4	deviations	deviation	NOUN
ejif-8706	181	5	recorded	record	VERB
ejif-8706	181	6	suggest	suggest	VERB
ejif-8706	181	7	some	some	DET
ejif-8706	181	8	abnormality	abnormality	NOUN
ejif-8706	181	9	in	in	ADP
ejif-8706	181	10	the	the	DET
ejif-8706	181	11	data	datum	NOUN
ejif-8706	181	12	distribution	distribution	NOUN
ejif-8706	181	13	.	.	PUNCT
ejif-8706	182	1	european	european	ADJ
ejif-8706	182	2	journal	journal	PROPN
ejif-8706	182	3	of	of	ADP
ejif-8706	182	4	islamic	islamic	PROPN
ejif-8706	182	5	finance	finance	PROPN
ejif-8706	182	6	issn	issn	PROPN
ejif-8706	182	7	:	:	PUNCT
ejif-8706	182	8	2421	2421	NUM
ejif-8706	182	9	-	-	SYM
ejif-8706	182	10	2172	2172	NUM
ejif-8706	182	11	doi	doi	NOUN
ejif-8706	182	12	:	:	PUNCT
ejif-8706	182	13	10.13135/2421	10.13135/2421	NUM
ejif-8706	182	14	-	-	SYM
ejif-8706	182	15	2172/8706	2172/8706	NUM
ejif-8706	182	16	published	publish	VERB
ejif-8706	182	17	by	by	ADP
ejif-8706	182	18	university	university	PROPN
ejif-8706	182	19	of	of	ADP
ejif-8706	182	20	turin	turin	PROPN
ejif-8706	183	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	183	2	ejif	ejif	PROPN
ejif-8706	183	3	content	content	NOUN
ejif-8706	183	4	is	be	AUX
ejif-8706	183	5	licensed	license	VERB
ejif-8706	183	6	under	under	ADP
ejif-8706	183	7	a	a	DET
ejif-8706	183	8	creative	creative	ADJ
ejif-8706	183	9	commons	common	NOUN
ejif-8706	183	10	attribution	attribution	NOUN
ejif-8706	183	11	4.0	4.0	NUM
ejif-8706	183	12	international	international	ADJ
ejif-8706	183	13	license	license	NOUN
ejif-8706	183	14	55	55	NUM
ejif-8706	183	15	table	table	NOUN
ejif-8706	183	16	1	1	NUM
ejif-8706	183	17	.	.	PUNCT
ejif-8706	184	1	summary	summary	NOUN
ejif-8706	184	2	statistics	statistic	NOUN
ejif-8706	184	3	variables	variable	VERB
ejif-8706	184	4	obs	obs	PROPN
ejif-8706	184	5	.	.	PUNCT
ejif-8706	185	1	mean	mean	PROPN
ejif-8706	185	2	std.dev	std.dev	PROPN
ejif-8706	185	3	.	.	PUNCT
ejif-8706	186	1	min	min	PROPN
ejif-8706	186	2	max	max	PROPN
ejif-8706	186	3	finance	finance	PROPN
ejif-8706	186	4	60	60	NUM
ejif-8706	186	5	532025	532025	NUM
ejif-8706	186	6	551414.8	551414.8	NUM
ejif-8706	186	7	0	0	NUM
ejif-8706	186	8	1997919	1997919	NUM
ejif-8706	186	9	deposit	deposit	NOUN
ejif-8706	186	10	60	60	NUM
ejif-8706	186	11	492696.8	492696.8	NUM
ejif-8706	186	12	574558.4	574558.4	NUM
ejif-8706	186	13	0	0	NUM
ejif-8706	186	14	2044149	2044149	NUM
ejif-8706	186	15	asset	asset	NOUN
ejif-8706	186	16	60	60	NUM
ejif-8706	186	17	792348.5	792348.5	NUM
ejif-8706	186	18	662324	662324	NUM
ejif-8706	186	19	31453	31453	NUM
ejif-8706	186	20	2400294	2400294	NUM
ejif-8706	186	21	interest	interest	NOUN
ejif-8706	186	22	rate	rate	NOUN
ejif-8706	186	23	60	60	NUM
ejif-8706	186	24	0.90200	0.90200	NUM
ejif-8706	186	25	0.914146	0.914146	NUM
ejif-8706	186	26	0.16	0.16	NUM
ejif-8706	186	27	2.57	2.57	NUM
ejif-8706	186	28	inflation	inflation	NOUN
ejif-8706	186	29	60	60	NUM
ejif-8706	186	30	2.579393	2.579393	NUM
ejif-8706	186	31	1.967023	1.967023	NUM
ejif-8706	186	32	0.368	0.368	NUM
ejif-8706	186	33	9.07	9.07	NUM
ejif-8706	186	34	gdp	gdp	NOUN
ejif-8706	186	35	growth	growth	NOUN
ejif-8706	186	36	rate	rate	NOUN
ejif-8706	186	37	60	60	NUM
ejif-8706	186	38	1.080413	1.080413	NUM
ejif-8706	186	39	4.054998	4.054998	NUM
ejif-8706	186	40	-11.0309	-11.0309	SYM
ejif-8706	186	41	7.5249	7.5249	NUM
ejif-8706	186	42	source	source	NOUN
ejif-8706	186	43	:	:	PUNCT
ejif-8706	186	44	authors	author	NOUN
ejif-8706	186	45	’	'	PUNCT
ejif-8706	186	46	elaboration	elaboration	NOUN
ejif-8706	186	47	the	the	DET
ejif-8706	186	48	results	result	NOUN
ejif-8706	186	49	presented	present	VERB
ejif-8706	186	50	in	in	ADP
ejif-8706	186	51	table	table	NOUN
ejif-8706	186	52	2	2	NUM
ejif-8706	186	53	show	show	VERB
ejif-8706	186	54	that	that	SCONJ
ejif-8706	186	55	for	for	ADP
ejif-8706	186	56	model	model	NOUN
ejif-8706	186	57	1	1	NUM
ejif-8706	186	58	,	,	PUNCT
ejif-8706	186	59	a	a	DET
ejif-8706	186	60	negative	negative	ADJ
ejif-8706	186	61	but	but	CCONJ
ejif-8706	186	62	statistically	statistically	ADV
ejif-8706	186	63	insignificant	insignificant	ADJ
ejif-8706	186	64	relationship	relationship	NOUN
ejif-8706	186	65	exists	exist	VERB
ejif-8706	186	66	between	between	ADP
ejif-8706	186	67	interest	interest	NOUN
ejif-8706	186	68	rate	rate	NOUN
ejif-8706	186	69	and	and	CCONJ
ejif-8706	186	70	financing	financing	NOUN
ejif-8706	186	71	.	.	PUNCT
ejif-8706	187	1	a	a	DET
ejif-8706	187	2	1	1	NUM
ejif-8706	187	3	%	%	NOUN
ejif-8706	187	4	increase	increase	NOUN
ejif-8706	187	5	in	in	ADP
ejif-8706	187	6	the	the	DET
ejif-8706	187	7	interest	interest	NOUN
ejif-8706	187	8	rate	rate	NOUN
ejif-8706	187	9	causes	cause	VERB
ejif-8706	187	10	a	a	DET
ejif-8706	187	11	0.07	0.07	NUM
ejif-8706	187	12	%	%	NOUN
ejif-8706	187	13	decrease	decrease	NOUN
ejif-8706	187	14	in	in	ADP
ejif-8706	187	15	funding	funding	NOUN
ejif-8706	187	16	.	.	PUNCT
ejif-8706	188	1	as	as	SCONJ
ejif-8706	188	2	expected	expect	VERB
ejif-8706	188	3	,	,	PUNCT
ejif-8706	188	4	a	a	DET
ejif-8706	188	5	positive	positive	ADJ
ejif-8706	188	6	relationship	relationship	NOUN
ejif-8706	188	7	is	be	AUX
ejif-8706	188	8	observed	observe	VERB
ejif-8706	188	9	between	between	ADP
ejif-8706	188	10	islamic	islamic	ADJ
ejif-8706	188	11	banks	bank	NOUN
ejif-8706	188	12	'	'	PART
ejif-8706	188	13	deposits	deposit	NOUN
ejif-8706	188	14	and	and	CCONJ
ejif-8706	188	15	financing	financing	NOUN
ejif-8706	188	16	with	with	ADP
ejif-8706	188	17	a	a	DET
ejif-8706	188	18	coefficient	coefficient	NOUN
ejif-8706	188	19	of	of	ADP
ejif-8706	188	20	0.1138	0.1138	NUM
ejif-8706	188	21	.	.	PUNCT
ejif-8706	189	1	a	a	DET
ejif-8706	189	2	1	1	NUM
ejif-8706	189	3	%	%	NOUN
ejif-8706	189	4	increase	increase	NOUN
ejif-8706	189	5	in	in	ADP
ejif-8706	189	6	deposits	deposit	NOUN
ejif-8706	189	7	leads	lead	VERB
ejif-8706	189	8	to	to	ADP
ejif-8706	189	9	a	a	DET
ejif-8706	189	10	0.11	0.11	NUM
ejif-8706	189	11	%	%	NOUN
ejif-8706	189	12	increase	increase	NOUN
ejif-8706	189	13	in	in	ADP
ejif-8706	189	14	financing	financing	NOUN
ejif-8706	189	15	.	.	PUNCT
ejif-8706	190	1	the	the	DET
ejif-8706	190	2	coefficient	coefficient	NOUN
ejif-8706	190	3	is	be	AUX
ejif-8706	190	4	statistically	statistically	ADV
ejif-8706	190	5	significant	significant	ADJ
ejif-8706	190	6	.	.	PUNCT
ejif-8706	191	1	total	total	ADJ
ejif-8706	191	2	assets	asset	NOUN
ejif-8706	191	3	similarly	similarly	ADV
ejif-8706	191	4	exhibit	exhibit	VERB
ejif-8706	191	5	a	a	DET
ejif-8706	191	6	statistically	statistically	ADV
ejif-8706	191	7	significant	significant	ADJ
ejif-8706	191	8	positive	positive	ADJ
ejif-8706	191	9	relationship	relationship	NOUN
ejif-8706	191	10	with	with	ADP
ejif-8706	191	11	financing	financing	NOUN
ejif-8706	191	12	.	.	PUNCT
ejif-8706	192	1	the	the	DET
ejif-8706	192	2	inflation	inflation	NOUN
ejif-8706	192	3	coefficient	coefficient	NOUN
ejif-8706	192	4	is	be	AUX
ejif-8706	192	5	negatively	negatively	ADV
ejif-8706	192	6	signed	sign	VERB
ejif-8706	192	7	,	,	PUNCT
ejif-8706	192	8	implying	imply	VERB
ejif-8706	192	9	a	a	DET
ejif-8706	192	10	negative	negative	ADJ
ejif-8706	192	11	relationship	relationship	NOUN
ejif-8706	192	12	between	between	ADP
ejif-8706	192	13	price	price	NOUN
ejif-8706	192	14	levels	level	NOUN
ejif-8706	192	15	and	and	CCONJ
ejif-8706	192	16	islamic	islamic	ADJ
ejif-8706	192	17	bank	bank	PROPN
ejif-8706	192	18	financing	financing	NOUN
ejif-8706	192	19	.	.	PUNCT
ejif-8706	193	1	although	although	SCONJ
ejif-8706	193	2	unexpected	unexpected	ADJ
ejif-8706	193	3	,	,	PUNCT
ejif-8706	193	4	the	the	DET
ejif-8706	193	5	coefficient	coefficient	NOUN
ejif-8706	193	6	of	of	ADP
ejif-8706	193	7	growth	growth	NOUN
ejif-8706	193	8	rate	rate	NOUN
ejif-8706	193	9	also	also	ADV
ejif-8706	193	10	turns	turn	VERB
ejif-8706	193	11	up	up	ADP
ejif-8706	193	12	with	with	ADP
ejif-8706	193	13	a	a	DET
ejif-8706	193	14	negative	negative	ADJ
ejif-8706	193	15	sign	sign	NOUN
ejif-8706	193	16	but	but	CCONJ
ejif-8706	193	17	not	not	PART
ejif-8706	193	18	statistically	statistically	ADV
ejif-8706	193	19	significant	significant	ADJ
ejif-8706	193	20	.	.	PUNCT
ejif-8706	194	1	the	the	DET
ejif-8706	194	2	pattern	pattern	NOUN
ejif-8706	194	3	is	be	AUX
ejif-8706	194	4	the	the	DET
ejif-8706	194	5	same	same	ADJ
ejif-8706	194	6	for	for	ADP
ejif-8706	194	7	all	all	DET
ejif-8706	194	8	the	the	DET
ejif-8706	194	9	variables	variable	NOUN
ejif-8706	194	10	in	in	ADP
ejif-8706	194	11	all	all	DET
ejif-8706	194	12	other	other	ADJ
ejif-8706	194	13	models	model	NOUN
ejif-8706	194	14	(	(	PUNCT
ejif-8706	194	15	2	2	NUM
ejif-8706	194	16	-	-	SYM
ejif-8706	194	17	5	5	NUM
ejif-8706	194	18	)	)	PUNCT
ejif-8706	194	19	in	in	ADP
ejif-8706	194	20	terms	term	NOUN
ejif-8706	194	21	of	of	ADP
ejif-8706	194	22	the	the	DET
ejif-8706	194	23	signs	sign	NOUN
ejif-8706	194	24	and	and	CCONJ
ejif-8706	194	25	significance	significance	NOUN
ejif-8706	194	26	of	of	ADP
ejif-8706	194	27	the	the	DET
ejif-8706	194	28	coefficients	coefficient	NOUN
ejif-8706	194	29	of	of	ADP
ejif-8706	194	30	the	the	DET
ejif-8706	194	31	variables	variable	NOUN
ejif-8706	194	32	.	.	PUNCT
ejif-8706	195	1	table	table	NOUN
ejif-8706	195	2	2	2	NUM
ejif-8706	195	3	.	.	PUNCT
ejif-8706	195	4	empirical	empirical	ADJ
ejif-8706	195	5	result	result	NOUN
ejif-8706	195	6	of	of	ADP
ejif-8706	195	7	regression	regression	NOUN
ejif-8706	195	8	of	of	ADP
ejif-8706	195	9	islamic	islamic	ADJ
ejif-8706	195	10	banks	bank	NOUN
ejif-8706	195	11	financing	finance	VERB
ejif-8706	195	12	on	on	ADP
ejif-8706	195	13	interest	interest	NOUN
ejif-8706	195	14	rate	rate	NOUN
ejif-8706	195	15	and	and	CCONJ
ejif-8706	195	16	other	other	ADJ
ejif-8706	195	17	explanatory	explanatory	ADJ
ejif-8706	195	18	variables	variable	NOUN
ejif-8706	195	19	(	(	PUNCT
ejif-8706	195	20	using	use	VERB
ejif-8706	195	21	policy	policy	NOUN
ejif-8706	195	22	rate	rate	NOUN
ejif-8706	195	23	as	as	ADP
ejif-8706	195	24	proxy	proxy	NOUN
ejif-8706	195	25	for	for	ADP
ejif-8706	195	26	interest	interest	NOUN
ejif-8706	195	27	rate	rate	NOUN
ejif-8706	195	28	)	)	PUNCT
ejif-8706	195	29	explanatory	explanatory	ADJ
ejif-8706	195	30	variables	variable	NOUN
ejif-8706	195	31	model	model	VERB
ejif-8706	195	32	1	1	NUM
ejif-8706	195	33	model	model	NOUN
ejif-8706	195	34	2	2	NUM
ejif-8706	195	35	model	model	NOUN
ejif-8706	195	36	3	3	NUM
ejif-8706	195	37	model	model	NOUN
ejif-8706	195	38	4	4	NUM
ejif-8706	195	39	model	model	NOUN
ejif-8706	195	40	5	5	NUM
ejif-8706	195	41	interest	interest	NOUN
ejif-8706	195	42	rate	rate	NOUN
ejif-8706	195	43	(	(	PUNCT
ejif-8706	195	44	policy	policy	NOUN
ejif-8706	195	45	rate	rate	NOUN
ejif-8706	195	46	)	)	PUNCT
ejif-8706	195	47	-0.0735151	-0.0735151	X
ejif-8706	195	48	(	(	PUNCT
ejif-8706	195	49	0.346	0.346	NUM
ejif-8706	195	50	)	)	PUNCT
ejif-8706	195	51	-0.0702932	-0.0702932	NOUN
ejif-8706	195	52	(	(	PUNCT
ejif-8706	195	53	0.292	0.292	NUM
ejif-8706	195	54	)	)	PUNCT
ejif-8706	195	55	-0.1218636	-0.1218636	NOUN
ejif-8706	195	56	(	(	PUNCT
ejif-8706	195	57	0.387	0.387	NUM
ejif-8706	195	58	)	)	PUNCT
ejif-8706	195	59	-0.6568117	-0.6568117	NOUN
ejif-8706	196	1	(	(	PUNCT
ejif-8706	196	2	0.002	0.002	NUM
ejif-8706	196	3	)	)	PUNCT
ejif-8706	196	4	deposit	deposit	NOUN
ejif-8706	196	5	0.1137954	0.1137954	NUM
ejif-8706	196	6	(	(	PUNCT
ejif-8706	196	7	0.008	0.008	NUM
ejif-8706	196	8	)	)	PUNCT
ejif-8706	196	9	0.1139481	0.1139481	NUM
ejif-8706	196	10	(	(	PUNCT
ejif-8706	196	11	0.006	0.006	NUM
ejif-8706	196	12	)	)	PUNCT
ejif-8706	196	13	0.6199302	0.6199302	NUM
ejif-8706	196	14	(	(	PUNCT
ejif-8706	196	15	0.000	0.000	NUM
ejif-8706	196	16	)	)	PUNCT
ejif-8706	196	17	0.6415234	0.6415234	NUM
ejif-8706	196	18	(	(	PUNCT
ejif-8706	196	19	0.000	0.000	NUM
ejif-8706	196	20	)	)	PUNCT
ejif-8706	196	21	total	total	ADJ
ejif-8706	196	22	assets	asset	NOUN
ejif-8706	196	23	1.176687	1.176687	NUM
ejif-8706	196	24	(	(	PUNCT
ejif-8706	196	25	0.000	0.000	NUM
ejif-8706	196	26	)	)	PUNCT
ejif-8706	196	27	1.176766	1.176766	NUM
ejif-8706	196	28	(	(	PUNCT
ejif-8706	196	29	0.000	0.000	NUM
ejif-8706	196	30	)	)	PUNCT
ejif-8706	196	31	inflation	inflation	NOUN
ejif-8706	196	32	-0.0031052	-0.0031052	PUNCT
ejif-8706	196	33	(	(	PUNCT
ejif-8706	196	34	0.920	0.920	NUM
ejif-8706	196	35	)	)	PUNCT
ejif-8706	196	36	gdp	gdp	NOUN
ejif-8706	196	37	growth	growth	NOUN
ejif-8706	196	38	rate	rate	NOUN
ejif-8706	196	39	-0.0022587	-0.0022587	PROPN
ejif-8706	196	40	(	(	PUNCT
ejif-8706	196	41	0.863	0.863	NUM
ejif-8706	196	42	)	)	PUNCT
ejif-8706	196	43	constant	constant	ADJ
ejif-8706	196	44	-4.3545	-4.3545	NOUN
ejif-8706	196	45	(	(	PUNCT
ejif-8706	196	46	0.000	0.000	NUM
ejif-8706	196	47	)	)	PUNCT
ejif-8706	196	48	-4.355034	-4.355034	NOUN
ejif-8706	196	49	(	(	PUNCT
ejif-8706	196	50	0.000	0.000	NUM
ejif-8706	196	51	)	)	PUNCT
ejif-8706	196	52	5.092334	5.092334	NUM
ejif-8706	196	53	(	(	PUNCT
ejif-8706	196	54	0.000	0.000	NUM
ejif-8706	196	55	)	)	PUNCT
ejif-8706	196	56	13.04434	13.04434	NUM
ejif-8706	196	57	(	(	PUNCT
ejif-8706	196	58	0.000	0.000	NUM
ejif-8706	196	59	)	)	PUNCT
ejif-8706	196	60	4.712806	4.712806	NUM
ejif-8706	196	61	(	(	PUNCT
ejif-8706	196	62	0.000	0.000	NUM
ejif-8706	196	63	)	)	PUNCT
ejif-8706	196	64	r	r	X
ejif-8706	196	65	-	-	PUNCT
ejif-8706	196	66	squared	square	VERB
ejif-8706	196	67	0.9397	0.9397	NUM
ejif-8706	196	68	0.9397	0.9397	NUM
ejif-8706	196	69	0.6499	0.6499	NUM
ejif-8706	196	70	0.0925	0.0925	NUM
ejif-8706	196	71	0.6459	0.6459	NUM
ejif-8706	196	72	hausman	hausman	ADJ
ejif-8706	196	73	test	test	NOUN
ejif-8706	196	74	chi2(5	chi2(5	PROPN
ejif-8706	196	75	)	)	PUNCT
ejif-8706	197	1	10.71	10.71	NUM
ejif-8706	197	2	11.25	11.25	NUM
ejif-8706	197	3	10.71	10.71	NUM
ejif-8706	197	4	10.71	10.71	NUM
ejif-8706	197	5	10.71	10.71	NUM
ejif-8706	197	6	chi2	chi2	NOUN
ejif-8706	197	7	0.0575	0.0575	NUM
ejif-8706	197	8	0.0105	0.0105	NUM
ejif-8706	197	9	0.0575	0.0575	NUM
ejif-8706	197	10	0.0575	0.0575	NUM
ejif-8706	197	11	0.0575	0.0575	NUM
ejif-8706	197	12	source	source	NOUN
ejif-8706	197	13	:	:	PUNCT
ejif-8706	197	14	authors	author	NOUN
ejif-8706	197	15	’	’	PART
ejif-8706	197	16	elaboration	elaboration	PROPN
ejif-8706	197	17	european	european	PROPN
ejif-8706	197	18	journal	journal	PROPN
ejif-8706	197	19	of	of	ADP
ejif-8706	197	20	islamic	islamic	PROPN
ejif-8706	197	21	finance	finance	PROPN
ejif-8706	197	22	issn	issn	PROPN
ejif-8706	197	23	:	:	PUNCT
ejif-8706	197	24	2421	2421	NUM
ejif-8706	197	25	-	-	SYM
ejif-8706	197	26	2172	2172	NUM
ejif-8706	197	27	doi	doi	NOUN
ejif-8706	197	28	:	:	PUNCT
ejif-8706	197	29	10.13135/2421	10.13135/2421	NUM
ejif-8706	197	30	-	-	SYM
ejif-8706	197	31	2172/8706	2172/8706	NUM
ejif-8706	197	32	published	publish	VERB
ejif-8706	197	33	by	by	ADP
ejif-8706	197	34	university	university	PROPN
ejif-8706	197	35	of	of	ADP
ejif-8706	197	36	turin	turin	PROPN
ejif-8706	198	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	198	2	ejif	ejif	PROPN
ejif-8706	198	3	content	content	NOUN
ejif-8706	198	4	is	be	AUX
ejif-8706	198	5	licensed	license	VERB
ejif-8706	198	6	under	under	ADP
ejif-8706	198	7	a	a	DET
ejif-8706	198	8	creative	creative	ADJ
ejif-8706	198	9	commons	common	NOUN
ejif-8706	198	10	attribution	attribution	NOUN
ejif-8706	198	11	4.0	4.0	NUM
ejif-8706	198	12	international	international	ADJ
ejif-8706	198	13	license	license	NOUN
ejif-8706	198	14	56	56	NUM
ejif-8706	198	15	finally	finally	ADV
ejif-8706	198	16	,	,	PUNCT
ejif-8706	198	17	table	table	NOUN
ejif-8706	198	18	3	3	NUM
ejif-8706	198	19	presents	present	VERB
ejif-8706	198	20	the	the	DET
ejif-8706	198	21	results	result	NOUN
ejif-8706	198	22	of	of	ADP
ejif-8706	198	23	the	the	DET
ejif-8706	198	24	estimation	estimation	NOUN
ejif-8706	198	25	of	of	ADP
ejif-8706	198	26	model	model	NOUN
ejif-8706	198	27	6	6	NUM
ejif-8706	198	28	.	.	PUNCT
ejif-8706	199	1	we	we	PRON
ejif-8706	199	2	find	find	VERB
ejif-8706	199	3	a	a	DET
ejif-8706	199	4	negative	negative	ADJ
ejif-8706	199	5	and	and	CCONJ
ejif-8706	199	6	statistically	statistically	ADV
ejif-8706	199	7	significant	significant	ADJ
ejif-8706	199	8	relationship	relationship	NOUN
ejif-8706	199	9	between	between	ADP
ejif-8706	199	10	conventional	conventional	ADJ
ejif-8706	199	11	interest	interest	NOUN
ejif-8706	199	12	rates	rate	NOUN
ejif-8706	199	13	and	and	CCONJ
ejif-8706	199	14	islamic	islamic	ADJ
ejif-8706	199	15	bank	bank	NOUN
ejif-8706	199	16	deposits	deposit	NOUN
ejif-8706	199	17	.	.	PUNCT
ejif-8706	200	1	this	this	PRON
ejif-8706	200	2	conforms	conform	VERB
ejif-8706	200	3	with	with	ADP
ejif-8706	200	4	expectations	expectation	NOUN
ejif-8706	200	5	.	.	PUNCT
ejif-8706	201	1	table	table	NOUN
ejif-8706	201	2	3	3	NUM
ejif-8706	201	3	.	.	PUNCT
ejif-8706	201	4	empirical	empirical	ADJ
ejif-8706	201	5	result	result	NOUN
ejif-8706	201	6	of	of	ADP
ejif-8706	201	7	regression	regression	NOUN
ejif-8706	201	8	of	of	ADP
ejif-8706	201	9	islamic	islamic	ADJ
ejif-8706	201	10	banks	bank	NOUN
ejif-8706	201	11	deposit	deposit	VERB
ejif-8706	201	12	on	on	ADP
ejif-8706	201	13	interest	interest	NOUN
ejif-8706	201	14	rate	rate	NOUN
ejif-8706	201	15	interest	interest	NOUN
ejif-8706	201	16	-0.930674	-0.930674	NOUN
ejif-8706	201	17	(	(	PUNCT
ejif-8706	201	18	0.000	0.000	X
ejif-8706	201	19	)	)	PUNCT
ejif-8706	201	20	constant	constant	ADJ
ejif-8706	201	21	12.9387	12.9387	NUM
ejif-8706	201	22	r	r	NOUN
ejif-8706	201	23	-	-	PUNCT
ejif-8706	201	24	squared	square	VERB
ejif-8706	201	25	0.1656	0.1656	NUM
ejif-8706	201	26	hausman	hausman	ADJ
ejif-8706	201	27	test	test	NOUN
ejif-8706	201	28	chi2(5	chi2(5	PROPN
ejif-8706	201	29	)	)	PUNCT
ejif-8706	201	30	10.71	10.71	NUM
ejif-8706	201	31	chi2	chi2	NOUN
ejif-8706	201	32	0.0575	0.0575	NUM
ejif-8706	201	33	source	source	NOUN
ejif-8706	201	34	:	:	PUNCT
ejif-8706	201	35	authors	author	NOUN
ejif-8706	201	36	’	’	PART
ejif-8706	201	37	elaboration	elaboration	NOUN
ejif-8706	201	38	5	5	NUM
ejif-8706	201	39	.	.	PUNCT
ejif-8706	201	40	discussion	discussion	NOUN
ejif-8706	201	41	from	from	ADP
ejif-8706	201	42	the	the	DET
ejif-8706	201	43	result	result	NOUN
ejif-8706	201	44	of	of	ADP
ejif-8706	201	45	our	our	PRON
ejif-8706	201	46	analysis	analysis	NOUN
ejif-8706	201	47	presented	present	VERB
ejif-8706	201	48	in	in	ADP
ejif-8706	201	49	table	table	NOUN
ejif-8706	201	50	2	2	NUM
ejif-8706	201	51	above	above	ADV
ejif-8706	201	52	,	,	PUNCT
ejif-8706	201	53	model	model	NOUN
ejif-8706	201	54	1	1	NUM
ejif-8706	201	55	,	,	PUNCT
ejif-8706	201	56	which	which	PRON
ejif-8706	201	57	is	be	AUX
ejif-8706	201	58	our	our	PRON
ejif-8706	201	59	baseline	baseline	NOUN
ejif-8706	201	60	model	model	NOUN
ejif-8706	201	61	,	,	PUNCT
ejif-8706	201	62	reveals	reveal	VERB
ejif-8706	201	63	a	a	DET
ejif-8706	201	64	negative	negative	ADJ
ejif-8706	201	65	but	but	CCONJ
ejif-8706	201	66	statistically	statistically	ADV
ejif-8706	201	67	insignificant	insignificant	ADJ
ejif-8706	201	68	relationship	relationship	NOUN
ejif-8706	201	69	between	between	ADP
ejif-8706	201	70	the	the	DET
ejif-8706	201	71	bank	bank	NOUN
ejif-8706	201	72	rate	rate	NOUN
ejif-8706	201	73	and	and	CCONJ
ejif-8706	201	74	islamic	islamic	ADJ
ejif-8706	201	75	bank	bank	PROPN
ejif-8706	201	76	financing	financing	NOUN
ejif-8706	201	77	.	.	PUNCT
ejif-8706	202	1	it	it	PRON
ejif-8706	202	2	means	mean	VERB
ejif-8706	202	3	that	that	SCONJ
ejif-8706	202	4	a	a	DET
ejif-8706	202	5	1	1	NUM
ejif-8706	202	6	%	%	NOUN
ejif-8706	202	7	increase	increase	NOUN
ejif-8706	202	8	in	in	ADP
ejif-8706	202	9	interest	interest	NOUN
ejif-8706	202	10	rate	rate	NOUN
ejif-8706	202	11	causes	cause	VERB
ejif-8706	202	12	islamic	islamic	ADJ
ejif-8706	202	13	banks	bank	NOUN
ejif-8706	202	14	'	'	PART
ejif-8706	202	15	financing	financing	NOUN
ejif-8706	202	16	to	to	PART
ejif-8706	202	17	decline	decline	VERB
ejif-8706	202	18	by	by	ADP
ejif-8706	202	19	0.07	0.07	NUM
ejif-8706	202	20	%	%	NOUN
ejif-8706	202	21	.	.	PUNCT
ejif-8706	203	1	this	this	DET
ejif-8706	203	2	result	result	NOUN
ejif-8706	203	3	aligns	align	VERB
ejif-8706	203	4	with	with	ADP
ejif-8706	203	5	the	the	DET
ejif-8706	203	6	findings	finding	NOUN
ejif-8706	203	7	of	of	ADP
ejif-8706	203	8	ali	ali	PROPN
ejif-8706	203	9	,	,	PUNCT
ejif-8706	203	10	a.	a.	NOUN
ejif-8706	203	11	o.	o.	PROPN
ejif-8706	203	12	(	(	PUNCT
ejif-8706	203	13	2021	2021	NUM
ejif-8706	203	14	)	)	PUNCT
ejif-8706	203	15	,	,	PUNCT
ejif-8706	203	16	zulkhibri	zulkhibri	NOUN
ejif-8706	203	17	(	(	PUNCT
ejif-8706	203	18	2018	2018	NUM
ejif-8706	203	19	)	)	PUNCT
ejif-8706	203	20	,	,	PUNCT
ejif-8706	203	21	khalidin	khalidin	NOUN
ejif-8706	203	22	(	(	PUNCT
ejif-8706	203	23	2017	2017	NUM
ejif-8706	203	24	)	)	PUNCT
ejif-8706	203	25	and	and	CCONJ
ejif-8706	203	26	šeho	šeho	VERB
ejif-8706	203	27	et	et	PROPN
ejif-8706	203	28	al	al	PROPN
ejif-8706	203	29	.	.	PROPN
ejif-8706	204	1	(	(	PUNCT
ejif-8706	204	2	2020	2020	NUM
ejif-8706	204	3	)	)	PUNCT
ejif-8706	204	4	,	,	PUNCT
ejif-8706	204	5	all	all	PRON
ejif-8706	204	6	of	of	ADP
ejif-8706	204	7	those	those	PRON
ejif-8706	204	8	who	who	PRON
ejif-8706	204	9	found	find	VERB
ejif-8706	204	10	evidence	evidence	NOUN
ejif-8706	204	11	of	of	ADP
ejif-8706	204	12	a	a	DET
ejif-8706	204	13	statistically	statistically	ADV
ejif-8706	204	14	significant	significant	ADJ
ejif-8706	204	15	negative	negative	ADJ
ejif-8706	204	16	relationship	relationship	NOUN
ejif-8706	204	17	between	between	ADP
ejif-8706	204	18	interest	interest	NOUN
ejif-8706	204	19	rates	rate	NOUN
ejif-8706	204	20	and	and	CCONJ
ejif-8706	204	21	islamic	islamic	ADJ
ejif-8706	204	22	banks	bank	NOUN
ejif-8706	204	23	'	'	PART
ejif-8706	204	24	financing	financing	NOUN
ejif-8706	204	25	.	.	PUNCT
ejif-8706	205	1	this	this	PRON
ejif-8706	205	2	is	be	AUX
ejif-8706	205	3	perhaps	perhaps	ADV
ejif-8706	205	4	because	because	SCONJ
ejif-8706	205	5	rising	rise	VERB
ejif-8706	205	6	interest	interest	NOUN
ejif-8706	205	7	rates	rate	NOUN
ejif-8706	205	8	have	have	AUX
ejif-8706	205	9	been	be	AUX
ejif-8706	205	10	found	find	VERB
ejif-8706	205	11	to	to	PART
ejif-8706	205	12	cause	cause	VERB
ejif-8706	205	13	islamic	islamic	ADJ
ejif-8706	205	14	banks	bank	NOUN
ejif-8706	205	15	to	to	PART
ejif-8706	205	16	lose	lose	VERB
ejif-8706	205	17	deposits	deposit	NOUN
ejif-8706	205	18	(	(	PUNCT
ejif-8706	205	19	rosly,1999	rosly,1999	NOUN
ejif-8706	205	20	;	;	PUNCT
ejif-8706	205	21	hakan	hakan	PROPN
ejif-8706	205	22	&	&	CCONJ
ejif-8706	205	23	gülümser	gülümser	PROPN
ejif-8706	205	24	,	,	PUNCT
ejif-8706	205	25	2011	2011	NUM
ejif-8706	205	26	)	)	PUNCT
ejif-8706	205	27	,	,	PUNCT
ejif-8706	205	28	which	which	PRON
ejif-8706	205	29	constitute	constitute	VERB
ejif-8706	205	30	the	the	DET
ejif-8706	205	31	primary	primary	ADJ
ejif-8706	205	32	source	source	NOUN
ejif-8706	205	33	of	of	ADP
ejif-8706	205	34	"	"	PUNCT
ejif-8706	205	35	loanable	loanable	ADJ
ejif-8706	205	36	"	"	PUNCT
ejif-8706	205	37	funds	fund	NOUN
ejif-8706	205	38	for	for	ADP
ejif-8706	205	39	them	they	PRON
ejif-8706	205	40	(	(	PUNCT
ejif-8706	205	41	sukmana	sukmana	PROPN
ejif-8706	205	42	&	&	CCONJ
ejif-8706	205	43	ibrahim	ibrahim	PROPN
ejif-8706	205	44	,	,	PUNCT
ejif-8706	205	45	2017	2017	NUM
ejif-8706	205	46	)	)	PUNCT
ejif-8706	205	47	.	.	PUNCT
ejif-8706	206	1	the	the	DET
ejif-8706	206	2	decline	decline	NOUN
ejif-8706	206	3	in	in	ADP
ejif-8706	206	4	islamic	islamic	ADJ
ejif-8706	206	5	banks	bank	NOUN
ejif-8706	206	6	'	'	PART
ejif-8706	206	7	financing	financing	NOUN
ejif-8706	206	8	may	may	AUX
ejif-8706	206	9	also	also	ADV
ejif-8706	206	10	indicate	indicate	VERB
ejif-8706	206	11	an	an	DET
ejif-8706	206	12	increase	increase	NOUN
ejif-8706	206	13	in	in	ADP
ejif-8706	206	14	the	the	DET
ejif-8706	206	15	rate	rate	NOUN
ejif-8706	206	16	of	of	ADP
ejif-8706	206	17	return	return	NOUN
ejif-8706	206	18	they	they	PRON
ejif-8706	206	19	demand	demand	VERB
ejif-8706	206	20	from	from	ADP
ejif-8706	206	21	customers	customer	NOUN
ejif-8706	206	22	,	,	PUNCT
ejif-8706	206	23	leading	lead	VERB
ejif-8706	206	24	customers	customer	NOUN
ejif-8706	206	25	to	to	PART
ejif-8706	206	26	shun	shun	VERB
ejif-8706	206	27	requests	request	NOUN
ejif-8706	206	28	for	for	ADP
ejif-8706	206	29	financing	financing	NOUN
ejif-8706	206	30	.	.	PUNCT
ejif-8706	207	1	thus	thus	ADV
ejif-8706	207	2	,	,	PUNCT
ejif-8706	207	3	contrary	contrary	ADV
ejif-8706	207	4	to	to	ADP
ejif-8706	207	5	the	the	DET
ejif-8706	207	6	impression	impression	NOUN
ejif-8706	207	7	that	that	SCONJ
ejif-8706	207	8	islamic	islamic	ADJ
ejif-8706	207	9	banks	bank	NOUN
ejif-8706	207	10	are	be	AUX
ejif-8706	207	11	insulated	insulate	VERB
ejif-8706	207	12	from	from	ADP
ejif-8706	207	13	interest	interest	NOUN
ejif-8706	207	14	rate	rate	NOUN
ejif-8706	207	15	shocks	shock	NOUN
ejif-8706	207	16	just	just	ADV
ejif-8706	207	17	because	because	SCONJ
ejif-8706	207	18	they	they	PRON
ejif-8706	207	19	operate	operate	VERB
ejif-8706	207	20	non	non	ADJ
ejif-8706	207	21	-	-	ADJ
ejif-8706	207	22	interest	interest	ADJ
ejif-8706	207	23	banking	banking	NOUN
ejif-8706	207	24	,	,	PUNCT
ejif-8706	207	25	our	our	PRON
ejif-8706	207	26	findings	finding	NOUN
ejif-8706	207	27	,	,	PUNCT
ejif-8706	207	28	corroborated	corroborate	VERB
ejif-8706	207	29	by	by	ADP
ejif-8706	207	30	similar	similar	ADJ
ejif-8706	207	31	studies	study	NOUN
ejif-8706	207	32	,	,	PUNCT
ejif-8706	207	33	have	have	AUX
ejif-8706	207	34	proved	prove	VERB
ejif-8706	207	35	otherwise	otherwise	ADV
ejif-8706	207	36	.	.	PUNCT
ejif-8706	208	1	our	our	PRON
ejif-8706	208	2	result	result	NOUN
ejif-8706	208	3	,	,	PUNCT
ejif-8706	208	4	however	however	ADV
ejif-8706	208	5	,	,	PUNCT
ejif-8706	208	6	contradicts	contradict	VERB
ejif-8706	208	7	what	what	PRON
ejif-8706	208	8	was	be	AUX
ejif-8706	208	9	theorised	theorise	VERB
ejif-8706	208	10	by	by	ADP
ejif-8706	208	11	rosly	rosly	ADV
ejif-8706	208	12	(	(	PUNCT
ejif-8706	208	13	1999	1999	NUM
ejif-8706	208	14	)	)	PUNCT
ejif-8706	208	15	and	and	CCONJ
ejif-8706	208	16	corroborated	corroborate	VERB
ejif-8706	208	17	by	by	ADP
ejif-8706	208	18	the	the	DET
ejif-8706	208	19	empirical	empirical	ADJ
ejif-8706	208	20	studies	study	NOUN
ejif-8706	208	21	of	of	ADP
ejif-8706	208	22	hakan	hakan	PROPN
ejif-8706	208	23	&	&	CCONJ
ejif-8706	208	24	gülümser	gülümser	PROPN
ejif-8706	208	25	(	(	PUNCT
ejif-8706	208	26	2011	2011	NUM
ejif-8706	208	27	)	)	PUNCT
ejif-8706	208	28	and	and	CCONJ
ejif-8706	208	29	ergeç	ergeç	PROPN
ejif-8706	208	30	&	&	CCONJ
ejif-8706	208	31	arslan	arslan	PROPN
ejif-8706	208	32	(	(	PUNCT
ejif-8706	208	33	2013	2013	NUM
ejif-8706	208	34	)	)	PUNCT
ejif-8706	208	35	.	.	PUNCT
ejif-8706	209	1	furthermore	furthermore	ADV
ejif-8706	209	2	,	,	PUNCT
ejif-8706	209	3	we	we	PRON
ejif-8706	209	4	found	find	VERB
ejif-8706	209	5	evidence	evidence	NOUN
ejif-8706	209	6	of	of	ADP
ejif-8706	209	7	a	a	DET
ejif-8706	209	8	statistically	statistically	ADV
ejif-8706	209	9	significant	significant	ADJ
ejif-8706	209	10	positive	positive	ADJ
ejif-8706	209	11	relationship	relationship	NOUN
ejif-8706	209	12	between	between	ADP
ejif-8706	209	13	islamic	islamic	ADJ
ejif-8706	209	14	banks	bank	NOUN
ejif-8706	209	15	'	'	PART
ejif-8706	209	16	financing	financing	NOUN
ejif-8706	209	17	and	and	CCONJ
ejif-8706	209	18	deposits	deposit	NOUN
ejif-8706	209	19	.	.	PUNCT
ejif-8706	210	1	this	this	DET
ejif-8706	210	2	result	result	NOUN
ejif-8706	210	3	is	be	AUX
ejif-8706	210	4	expected	expect	VERB
ejif-8706	210	5	as	as	SCONJ
ejif-8706	210	6	the	the	DET
ejif-8706	210	7	bulk	bulk	NOUN
ejif-8706	210	8	of	of	ADP
ejif-8706	210	9	funds	fund	NOUN
ejif-8706	210	10	for	for	ADP
ejif-8706	210	11	financing	financing	NOUN
ejif-8706	210	12	in	in	ADP
ejif-8706	210	13	an	an	DET
ejif-8706	210	14	islamic	islamic	PROPN
ejif-8706	210	15	bank	bank	NOUN
ejif-8706	210	16	comes	come	VERB
ejif-8706	210	17	from	from	ADP
ejif-8706	210	18	customers	customer	NOUN
ejif-8706	210	19	'	'	PART
ejif-8706	210	20	deposits	deposit	NOUN
ejif-8706	210	21	,	,	PUNCT
ejif-8706	210	22	as	as	SCONJ
ejif-8706	210	23	noted	note	VERB
ejif-8706	210	24	earlier	early	ADV
ejif-8706	210	25	.	.	PUNCT
ejif-8706	211	1	a	a	DET
ejif-8706	211	2	1	1	NUM
ejif-8706	211	3	%	%	NOUN
ejif-8706	211	4	increase	increase	NOUN
ejif-8706	211	5	in	in	ADP
ejif-8706	211	6	deposits	deposit	NOUN
ejif-8706	211	7	is	be	AUX
ejif-8706	211	8	associated	associate	VERB
ejif-8706	211	9	with	with	ADP
ejif-8706	211	10	about	about	ADP
ejif-8706	211	11	a	a	DET
ejif-8706	211	12	0.11	0.11	NUM
ejif-8706	211	13	%	%	NOUN
ejif-8706	211	14	increase	increase	NOUN
ejif-8706	211	15	in	in	ADP
ejif-8706	211	16	financing	financing	NOUN
ejif-8706	211	17	.	.	PUNCT
ejif-8706	212	1	šeho	šeho	PROPN
ejif-8706	212	2	et	et	PROPN
ejif-8706	212	3	al	al	PROPN
ejif-8706	212	4	.	.	PROPN
ejif-8706	212	5	(	(	PUNCT
ejif-8706	212	6	2020b	2020b	NUM
ejif-8706	212	7	)	)	PUNCT
ejif-8706	212	8	found	find	VERB
ejif-8706	212	9	a	a	DET
ejif-8706	212	10	similar	similar	ADJ
ejif-8706	212	11	relationship	relationship	NOUN
ejif-8706	212	12	between	between	ADP
ejif-8706	212	13	deposit	deposit	NOUN
ejif-8706	212	14	and	and	CCONJ
ejif-8706	212	15	risk	risk	NOUN
ejif-8706	212	16	-	-	PUNCT
ejif-8706	212	17	based	base	VERB
ejif-8706	212	18	financing	financing	NOUN
ejif-8706	212	19	in	in	ADP
ejif-8706	212	20	cross	cross	ADJ
ejif-8706	212	21	-	-	ADJ
ejif-8706	212	22	country	country	ADJ
ejif-8706	212	23	panel	panel	NOUN
ejif-8706	212	24	data	datum	NOUN
ejif-8706	212	25	.	.	PUNCT
ejif-8706	213	1	the	the	DET
ejif-8706	213	2	total	total	ADJ
ejif-8706	213	3	assets	asset	NOUN
ejif-8706	213	4	of	of	ADP
ejif-8706	213	5	islamic	islamic	ADJ
ejif-8706	213	6	banks	bank	NOUN
ejif-8706	213	7	also	also	ADV
ejif-8706	213	8	exhibit	exhibit	VERB
ejif-8706	213	9	a	a	DET
ejif-8706	213	10	statistically	statistically	ADV
ejif-8706	213	11	significant	significant	ADJ
ejif-8706	213	12	positive	positive	ADJ
ejif-8706	213	13	relationship	relationship	NOUN
ejif-8706	213	14	with	with	ADP
ejif-8706	213	15	their	their	PRON
ejif-8706	213	16	funding	funding	NOUN
ejif-8706	213	17	,	,	PUNCT
ejif-8706	213	18	which	which	PRON
ejif-8706	213	19	confirms	confirm	VERB
ejif-8706	213	20	zulkhibri	zulkhibri	NOUN
ejif-8706	213	21	's	's	PART
ejif-8706	213	22	finding	finding	NOUN
ejif-8706	213	23	of	of	ADP
ejif-8706	213	24	zulkhibri	zulkhibri	NOUN
ejif-8706	213	25	(	(	PUNCT
ejif-8706	213	26	2018	2018	NUM
ejif-8706	213	27	)	)	PUNCT
ejif-8706	213	28	in	in	ADP
ejif-8706	213	29	his	his	PRON
ejif-8706	213	30	study	study	NOUN
ejif-8706	213	31	on	on	ADP
ejif-8706	213	32	malaysia	malaysia	PROPN
ejif-8706	213	33	.	.	PUNCT
ejif-8706	214	1	a	a	DET
ejif-8706	214	2	coefficient	coefficient	NOUN
ejif-8706	214	3	of	of	ADP
ejif-8706	214	4	1.177	1.177	NUM
ejif-8706	214	5	means	mean	VERB
ejif-8706	214	6	that	that	SCONJ
ejif-8706	214	7	a	a	DET
ejif-8706	214	8	1	1	NUM
ejif-8706	214	9	%	%	NOUN
ejif-8706	214	10	increase	increase	NOUN
ejif-8706	214	11	in	in	ADP
ejif-8706	214	12	total	total	ADJ
ejif-8706	214	13	assets	asset	NOUN
ejif-8706	214	14	causes	cause	VERB
ejif-8706	214	15	a	a	DET
ejif-8706	214	16	1.17	1.17	NUM
ejif-8706	214	17	%	%	NOUN
ejif-8706	214	18	increase	increase	NOUN
ejif-8706	214	19	in	in	ADP
ejif-8706	214	20	islamic	islamic	ADJ
ejif-8706	214	21	banks	bank	NOUN
ejif-8706	214	22	'	'	PART
ejif-8706	214	23	financing	financing	NOUN
ejif-8706	214	24	in	in	ADP
ejif-8706	214	25	the	the	DET
ejif-8706	214	26	uk	uk	PROPN
ejif-8706	214	27	.	.	PUNCT
ejif-8706	215	1	this	this	DET
ejif-8706	215	2	result	result	NOUN
ejif-8706	215	3	underscores	underscore	VERB
ejif-8706	215	4	the	the	DET
ejif-8706	215	5	importance	importance	NOUN
ejif-8706	215	6	of	of	ADP
ejif-8706	215	7	an	an	DET
ejif-8706	215	8	islamic	islamic	PROPN
ejif-8706	215	9	bank	bank	NOUN
ejif-8706	215	10	's	's	PART
ejif-8706	215	11	size	size	NOUN
ejif-8706	215	12	in	in	ADP
ejif-8706	215	13	determining	determine	VERB
ejif-8706	215	14	its	its	PRON
ejif-8706	215	15	funding	funding	NOUN
ejif-8706	215	16	.	.	PUNCT
ejif-8706	216	1	regarding	regard	VERB
ejif-8706	216	2	the	the	DET
ejif-8706	216	3	macroeconomic	macroeconomic	ADJ
ejif-8706	216	4	variables	variable	NOUN
ejif-8706	216	5	used	use	VERB
ejif-8706	216	6	in	in	ADP
ejif-8706	216	7	the	the	DET
ejif-8706	216	8	model	model	NOUN
ejif-8706	216	9	,	,	PUNCT
ejif-8706	216	10	the	the	DET
ejif-8706	216	11	result	result	NOUN
ejif-8706	216	12	shows	show	VERB
ejif-8706	216	13	that	that	SCONJ
ejif-8706	216	14	islamic	islamic	ADJ
ejif-8706	216	15	banks	bank	NOUN
ejif-8706	216	16	financing	financing	NOUN
ejif-8706	216	17	declines	decline	NOUN
ejif-8706	216	18	as	as	ADP
ejif-8706	216	19	the	the	DET
ejif-8706	216	20	inflation	inflation	NOUN
ejif-8706	216	21	rate	rate	NOUN
ejif-8706	216	22	rises	rise	NOUN
ejif-8706	216	23	.	.	PUNCT
ejif-8706	217	1	this	this	PRON
ejif-8706	217	2	is	be	AUX
ejif-8706	217	3	consistent	consistent	ADJ
ejif-8706	217	4	with	with	ADP
ejif-8706	217	5	the	the	DET
ejif-8706	217	6	findings	finding	NOUN
ejif-8706	217	7	of	of	ADP
ejif-8706	217	8	other	other	ADJ
ejif-8706	217	9	studies	study	NOUN
ejif-8706	217	10	,	,	PUNCT
ejif-8706	217	11	including	include	VERB
ejif-8706	217	12	(	(	PUNCT
ejif-8706	217	13	m.	m.	PROPN
ejif-8706	217	14	h.	h.	PROPN
ejif-8706	217	15	ali	ali	PROPN
ejif-8706	217	16	et	et	PROPN
ejif-8706	217	17	al	al	PROPN
ejif-8706	217	18	.	.	PROPN
ejif-8706	217	19	,	,	PUNCT
ejif-8706	217	20	2020	2020	NUM
ejif-8706	217	21	)	)	PUNCT
ejif-8706	217	22	and	and	CCONJ
ejif-8706	217	23	(	(	PUNCT
ejif-8706	217	24	zulkhibri	zulkhibri	NOUN
ejif-8706	217	25	,	,	PUNCT
ejif-8706	217	26	2018	2018	NUM
ejif-8706	217	27	)	)	PUNCT
ejif-8706	217	28	.	.	PUNCT
ejif-8706	218	1	this	this	DET
ejif-8706	218	2	outcome	outcome	NOUN
ejif-8706	218	3	is	be	AUX
ejif-8706	218	4	not	not	PART
ejif-8706	218	5	unexpected	unexpected	ADJ
ejif-8706	218	6	,	,	PUNCT
ejif-8706	218	7	considering	consider	VERB
ejif-8706	218	8	that	that	SCONJ
ejif-8706	218	9	when	when	SCONJ
ejif-8706	218	10	inflation	inflation	NOUN
ejif-8706	218	11	rises	rise	VERB
ejif-8706	218	12	,	,	PUNCT
ejif-8706	218	13	monetary	monetary	ADJ
ejif-8706	218	14	authorities	authority	NOUN
ejif-8706	218	15	usually	usually	ADV
ejif-8706	218	16	respond	respond	VERB
ejif-8706	218	17	by	by	ADP
ejif-8706	218	18	raising	raise	VERB
ejif-8706	218	19	interest	interest	NOUN
ejif-8706	218	20	rates	rate	NOUN
ejif-8706	218	21	.	.	PUNCT
ejif-8706	219	1	the	the	DET
ejif-8706	219	2	rise	rise	NOUN
ejif-8706	219	3	in	in	ADP
ejif-8706	219	4	interest	interest	NOUN
ejif-8706	219	5	rate	rate	NOUN
ejif-8706	219	6	,	,	PUNCT
ejif-8706	219	7	in	in	ADP
ejif-8706	219	8	turn	turn	NOUN
ejif-8706	219	9	,	,	PUNCT
ejif-8706	219	10	causes	cause	VERB
ejif-8706	219	11	islamic	islamic	ADJ
ejif-8706	219	12	banks	bank	NOUN
ejif-8706	219	13	'	'	PART
ejif-8706	219	14	financing	financing	NOUN
ejif-8706	219	15	to	to	PART
ejif-8706	219	16	decline	decline	VERB
ejif-8706	219	17	,	,	PUNCT
ejif-8706	219	18	as	as	SCONJ
ejif-8706	219	19	we	we	PRON
ejif-8706	219	20	have	have	AUX
ejif-8706	219	21	seen	see	VERB
ejif-8706	219	22	from	from	ADP
ejif-8706	219	23	the	the	DET
ejif-8706	219	24	estimation	estimation	NOUN
ejif-8706	219	25	of	of	ADP
ejif-8706	219	26	model	model	NOUN
ejif-8706	219	27	1	1	NUM
ejif-8706	219	28	.	.	PUNCT
ejif-8706	220	1	surprisingly	surprisingly	ADV
ejif-8706	220	2	,	,	PUNCT
ejif-8706	220	3	financing	financing	NOUN
ejif-8706	220	4	also	also	ADV
ejif-8706	220	5	drops	drop	VERB
ejif-8706	220	6	as	as	ADP
ejif-8706	220	7	the	the	DET
ejif-8706	220	8	gdp	gdp	NOUN
ejif-8706	220	9	growth	growth	NOUN
ejif-8706	220	10	rate	rate	NOUN
ejif-8706	220	11	increases	increase	NOUN
ejif-8706	220	12	.	.	PUNCT
ejif-8706	221	1	this	this	DET
ejif-8706	221	2	finding	finding	NOUN
ejif-8706	221	3	diverges	diverge	VERB
ejif-8706	221	4	from	from	ADP
ejif-8706	221	5	that	that	PRON
ejif-8706	221	6	of	of	ADP
ejif-8706	221	7	(	(	PUNCT
ejif-8706	221	8	zulkhibri	zulkhibri	NOUN
ejif-8706	221	9	,	,	PUNCT
ejif-8706	221	10	2018	2018	NUM
ejif-8706	221	11	)	)	PUNCT
ejif-8706	221	12	,	,	PUNCT
ejif-8706	221	13	who	who	PRON
ejif-8706	221	14	showed	show	VERB
ejif-8706	221	15	evidence	evidence	NOUN
ejif-8706	221	16	of	of	ADP
ejif-8706	221	17	a	a	DET
ejif-8706	221	18	positive	positive	ADJ
ejif-8706	221	19	relationship	relationship	NOUN
ejif-8706	221	20	between	between	ADP
ejif-8706	221	21	islamic	islamic	ADJ
ejif-8706	221	22	banks	bank	NOUN
ejif-8706	221	23	'	'	PART
ejif-8706	221	24	financing	financing	NOUN
ejif-8706	221	25	and	and	CCONJ
ejif-8706	221	26	real	real	ADJ
ejif-8706	221	27	gdp	gdp	NOUN
ejif-8706	221	28	growth	growth	NOUN
ejif-8706	221	29	rate	rate	NOUN
ejif-8706	221	30	.	.	PUNCT
ejif-8706	222	1	both	both	DET
ejif-8706	222	2	european	european	ADJ
ejif-8706	222	3	journal	journal	PROPN
ejif-8706	222	4	of	of	ADP
ejif-8706	222	5	islamic	islamic	PROPN
ejif-8706	222	6	finance	finance	PROPN
ejif-8706	222	7	issn	issn	PROPN
ejif-8706	222	8	:	:	PUNCT
ejif-8706	222	9	2421	2421	NUM
ejif-8706	222	10	-	-	SYM
ejif-8706	222	11	2172	2172	NUM
ejif-8706	222	12	doi	doi	NOUN
ejif-8706	222	13	:	:	PUNCT
ejif-8706	222	14	10.13135/2421	10.13135/2421	NUM
ejif-8706	222	15	-	-	SYM
ejif-8706	222	16	2172/8706	2172/8706	NUM
ejif-8706	222	17	published	publish	VERB
ejif-8706	222	18	by	by	ADP
ejif-8706	222	19	university	university	PROPN
ejif-8706	222	20	of	of	ADP
ejif-8706	222	21	turin	turin	PROPN
ejif-8706	223	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	223	2	ejif	ejif	PROPN
ejif-8706	223	3	content	content	NOUN
ejif-8706	223	4	is	be	AUX
ejif-8706	223	5	licensed	license	VERB
ejif-8706	223	6	under	under	ADP
ejif-8706	223	7	a	a	DET
ejif-8706	223	8	creative	creative	ADJ
ejif-8706	223	9	commons	common	NOUN
ejif-8706	223	10	attribution	attribution	NOUN
ejif-8706	223	11	4.0	4.0	NUM
ejif-8706	223	12	international	international	ADJ
ejif-8706	223	13	license	license	NOUN
ejif-8706	223	14	57	57	NUM
ejif-8706	223	15	coefficients	coefficient	NOUN
ejif-8706	223	16	of	of	ADP
ejif-8706	223	17	inflation	inflation	NOUN
ejif-8706	223	18	and	and	CCONJ
ejif-8706	223	19	gdp	gdp	NOUN
ejif-8706	223	20	growth	growth	NOUN
ejif-8706	223	21	rates	rate	NOUN
ejif-8706	223	22	are	be	AUX
ejif-8706	223	23	,	,	PUNCT
ejif-8706	223	24	however	however	ADV
ejif-8706	223	25	,	,	PUNCT
ejif-8706	223	26	statistically	statistically	ADV
ejif-8706	223	27	insignificant	insignificant	ADJ
ejif-8706	223	28	.	.	PUNCT
ejif-8706	224	1	the	the	DET
ejif-8706	224	2	r	r	NOUN
ejif-8706	224	3	-	-	PUNCT
ejif-8706	224	4	square	square	ADJ
ejif-8706	224	5	value	value	NOUN
ejif-8706	224	6	shows	show	VERB
ejif-8706	224	7	that	that	SCONJ
ejif-8706	224	8	this	this	DET
ejif-8706	224	9	model	model	NOUN
ejif-8706	224	10	explains	explain	VERB
ejif-8706	224	11	93.97	93.97	NUM
ejif-8706	224	12	%	%	NOUN
ejif-8706	224	13	of	of	ADP
ejif-8706	224	14	variations	variation	NOUN
ejif-8706	224	15	in	in	ADP
ejif-8706	224	16	islamic	islamic	PROPN
ejif-8706	224	17	bank	bank	PROPN
ejif-8706	224	18	financing	financing	NOUN
ejif-8706	224	19	.	.	PUNCT
ejif-8706	225	1	it	it	PRON
ejif-8706	225	2	is	be	AUX
ejif-8706	225	3	also	also	ADV
ejif-8706	225	4	instructive	instructive	ADJ
ejif-8706	225	5	to	to	PART
ejif-8706	225	6	note	note	VERB
ejif-8706	225	7	that	that	SCONJ
ejif-8706	225	8	the	the	DET
ejif-8706	225	9	result	result	NOUN
ejif-8706	225	10	of	of	ADP
ejif-8706	225	11	the	the	DET
ejif-8706	225	12	hausman	hausman	PROPN
ejif-8706	225	13	test	test	NOUN
ejif-8706	225	14	confirms	confirm	VERB
ejif-8706	225	15	the	the	DET
ejif-8706	225	16	validity	validity	NOUN
ejif-8706	225	17	of	of	ADP
ejif-8706	225	18	using	use	VERB
ejif-8706	225	19	the	the	DET
ejif-8706	225	20	random	random	ADJ
ejif-8706	225	21	effect	effect	NOUN
ejif-8706	225	22	technique	technique	NOUN
ejif-8706	225	23	.	.	PUNCT
ejif-8706	226	1	the	the	DET
ejif-8706	226	2	estimation	estimation	NOUN
ejif-8706	226	3	of	of	ADP
ejif-8706	226	4	model	model	NOUN
ejif-8706	226	5	6	6	NUM
ejif-8706	226	6	,	,	PUNCT
ejif-8706	226	7	which	which	PRON
ejif-8706	226	8	regresses	regress	VERB
ejif-8706	226	9	islamic	islamic	ADJ
ejif-8706	226	10	banks	bank	NOUN
ejif-8706	226	11	'	'	PART
ejif-8706	226	12	deposits	deposit	NOUN
ejif-8706	226	13	on	on	ADP
ejif-8706	226	14	interest	interest	NOUN
ejif-8706	226	15	rates	rate	NOUN
ejif-8706	226	16	,	,	PUNCT
ejif-8706	226	17	reveals	reveal	VERB
ejif-8706	226	18	a	a	DET
ejif-8706	226	19	statistically	statistically	ADV
ejif-8706	226	20	significant	significant	ADJ
ejif-8706	226	21	negative	negative	ADJ
ejif-8706	226	22	relationship	relationship	NOUN
ejif-8706	226	23	between	between	ADP
ejif-8706	226	24	islamic	islamic	ADJ
ejif-8706	226	25	banks	bank	NOUN
ejif-8706	226	26	'	'	PART
ejif-8706	226	27	deposits	deposit	NOUN
ejif-8706	226	28	and	and	CCONJ
ejif-8706	226	29	interest	interest	NOUN
ejif-8706	226	30	rates	rate	NOUN
ejif-8706	226	31	.	.	PUNCT
ejif-8706	227	1	an	an	DET
ejif-8706	227	2	increase	increase	NOUN
ejif-8706	227	3	of	of	ADP
ejif-8706	227	4	1	1	NUM
ejif-8706	227	5	%	%	NOUN
ejif-8706	227	6	in	in	ADP
ejif-8706	227	7	interest	interest	NOUN
ejif-8706	227	8	rate	rate	NOUN
ejif-8706	227	9	is	be	AUX
ejif-8706	227	10	associated	associate	VERB
ejif-8706	227	11	with	with	ADP
ejif-8706	227	12	a	a	DET
ejif-8706	227	13	0.93	0.93	NUM
ejif-8706	227	14	%	%	NOUN
ejif-8706	227	15	decrease	decrease	NOUN
ejif-8706	227	16	in	in	ADP
ejif-8706	227	17	islamic	islamic	PROPN
ejif-8706	227	18	bank	bank	PROPN
ejif-8706	227	19	deposits	deposit	NOUN
ejif-8706	227	20	.	.	PUNCT
ejif-8706	228	1	this	this	PRON
ejif-8706	228	2	aligns	align	VERB
ejif-8706	228	3	with	with	ADP
ejif-8706	228	4	expectations	expectation	NOUN
ejif-8706	228	5	and	and	CCONJ
ejif-8706	228	6	consonance	consonance	NOUN
ejif-8706	228	7	with	with	ADP
ejif-8706	228	8	the	the	DET
ejif-8706	228	9	findings	finding	NOUN
ejif-8706	228	10	of	of	ADP
ejif-8706	228	11	(	(	PUNCT
ejif-8706	228	12	ergeç	ergeç	PROPN
ejif-8706	228	13	&	&	CCONJ
ejif-8706	228	14	arslan	arslan	PROPN
ejif-8706	228	15	,	,	PUNCT
ejif-8706	228	16	2013	2013	NUM
ejif-8706	228	17	)	)	PUNCT
ejif-8706	228	18	and	and	CCONJ
ejif-8706	228	19	(	(	PUNCT
ejif-8706	228	20	aysan	aysan	PROPN
ejif-8706	228	21	et	et	PROPN
ejif-8706	228	22	al	al	PROPN
ejif-8706	228	23	.	.	PROPN
ejif-8706	228	24	,	,	PUNCT
ejif-8706	228	25	2018	2018	NUM
ejif-8706	228	26	)	)	PUNCT
ejif-8706	228	27	.	.	PUNCT
ejif-8706	229	1	the	the	DET
ejif-8706	229	2	result	result	NOUN
ejif-8706	229	3	,	,	PUNCT
ejif-8706	229	4	however	however	ADV
ejif-8706	229	5	,	,	PUNCT
ejif-8706	229	6	contradicts	contradict	VERB
ejif-8706	229	7	what	what	PRON
ejif-8706	229	8	was	be	AUX
ejif-8706	229	9	found	find	VERB
ejif-8706	229	10	by	by	ADP
ejif-8706	229	11	m.	m.	PROPN
ejif-8706	229	12	h.	h.	PROPN
ejif-8706	229	13	ali	ali	PROPN
ejif-8706	229	14	et	et	PROPN
ejif-8706	229	15	al	al	PROPN
ejif-8706	229	16	.	.	PROPN
ejif-8706	230	1	(	(	PUNCT
ejif-8706	230	2	2020	2020	NUM
ejif-8706	230	3	)	)	PUNCT
ejif-8706	230	4	.	.	PUNCT
ejif-8706	231	1	an	an	DET
ejif-8706	231	2	increase	increase	NOUN
ejif-8706	231	3	of	of	ADP
ejif-8706	231	4	1	1	NUM
ejif-8706	231	5	%	%	NOUN
ejif-8706	231	6	in	in	ADP
ejif-8706	231	7	interest	interest	NOUN
ejif-8706	231	8	rate	rate	NOUN
ejif-8706	231	9	is	be	AUX
ejif-8706	231	10	associated	associate	VERB
ejif-8706	231	11	with	with	ADP
ejif-8706	231	12	a	a	DET
ejif-8706	231	13	0.93	0.93	NUM
ejif-8706	231	14	%	%	NOUN
ejif-8706	231	15	decrease	decrease	NOUN
ejif-8706	231	16	in	in	ADP
ejif-8706	231	17	islamic	islamic	PROPN
ejif-8706	231	18	bank	bank	PROPN
ejif-8706	231	19	deposits	deposit	NOUN
ejif-8706	231	20	.	.	PUNCT
ejif-8706	232	1	this	this	PRON
ejif-8706	232	2	means	mean	VERB
ejif-8706	232	3	that	that	SCONJ
ejif-8706	232	4	some	some	DET
ejif-8706	232	5	depositors	depositor	NOUN
ejif-8706	232	6	of	of	ADP
ejif-8706	232	7	islamic	islamic	ADJ
ejif-8706	232	8	banks	bank	NOUN
ejif-8706	232	9	in	in	ADP
ejif-8706	232	10	the	the	DET
ejif-8706	232	11	uk	uk	PROPN
ejif-8706	232	12	are	be	AUX
ejif-8706	232	13	profit	profit	NOUN
ejif-8706	232	14	-	-	PUNCT
ejif-8706	232	15	driven	drive	VERB
ejif-8706	232	16	.	.	PUNCT
ejif-8706	233	1	the	the	DET
ejif-8706	233	2	patronage	patronage	NOUN
ejif-8706	233	3	of	of	ADP
ejif-8706	233	4	islamic	islamic	ADJ
ejif-8706	233	5	banking	banking	NOUN
ejif-8706	233	6	services	service	NOUN
ejif-8706	233	7	by	by	ADP
ejif-8706	233	8	these	these	DET
ejif-8706	233	9	customers	customer	NOUN
ejif-8706	233	10	is	be	AUX
ejif-8706	233	11	highly	highly	ADV
ejif-8706	233	12	elastic	elastic	ADJ
ejif-8706	233	13	(	(	PUNCT
ejif-8706	233	14	saeed	saeed	PROPN
ejif-8706	233	15	et	et	PROPN
ejif-8706	233	16	al	al	PROPN
ejif-8706	233	17	.	.	PROPN
ejif-8706	233	18	,	,	PUNCT
ejif-8706	233	19	2023	2023	NUM
ejif-8706	233	20	)	)	PUNCT
ejif-8706	233	21	;	;	PUNCT
ejif-8706	233	22	they	they	PRON
ejif-8706	233	23	easily	easily	ADV
ejif-8706	233	24	switch	switch	VERB
ejif-8706	233	25	between	between	ADP
ejif-8706	233	26	islamic	islamic	ADJ
ejif-8706	233	27	banks	bank	NOUN
ejif-8706	233	28	and	and	CCONJ
ejif-8706	233	29	conventional	conventional	ADJ
ejif-8706	233	30	banks	bank	NOUN
ejif-8706	233	31	as	as	SCONJ
ejif-8706	233	32	interest	interest	NOUN
ejif-8706	233	33	rates	rate	NOUN
ejif-8706	233	34	gyrate	gyrate	VERB
ejif-8706	233	35	(	(	PUNCT
ejif-8706	233	36	aysan	aysan	PROPN
ejif-8706	233	37	et	et	PROPN
ejif-8706	233	38	al	al	PROPN
ejif-8706	233	39	.	.	PROPN
ejif-8706	233	40	,	,	PUNCT
ejif-8706	233	41	2018	2018	NUM
ejif-8706	233	42	)	)	PUNCT
ejif-8706	233	43	.	.	PUNCT
ejif-8706	234	1	hence	hence	ADV
ejif-8706	234	2	,	,	PUNCT
ejif-8706	234	3	when	when	SCONJ
ejif-8706	234	4	the	the	DET
ejif-8706	234	5	interest	interest	NOUN
ejif-8706	234	6	rate	rate	NOUN
ejif-8706	234	7	goes	go	VERB
ejif-8706	234	8	up	up	ADP
ejif-8706	234	9	,	,	PUNCT
ejif-8706	234	10	they	they	PRON
ejif-8706	234	11	move	move	VERB
ejif-8706	234	12	their	their	PRON
ejif-8706	234	13	deposits	deposit	NOUN
ejif-8706	234	14	to	to	ADP
ejif-8706	234	15	conventional	conventional	ADJ
ejif-8706	234	16	banks	bank	NOUN
ejif-8706	234	17	to	to	PART
ejif-8706	234	18	take	take	VERB
ejif-8706	234	19	advantage	advantage	NOUN
ejif-8706	234	20	of	of	ADP
ejif-8706	234	21	the	the	DET
ejif-8706	234	22	higher	high	ADJ
ejif-8706	234	23	interest	interest	NOUN
ejif-8706	234	24	rate	rate	NOUN
ejif-8706	234	25	on	on	ADP
ejif-8706	234	26	deposits	deposit	NOUN
ejif-8706	234	27	.	.	PUNCT
ejif-8706	235	1	this	this	PRON
ejif-8706	235	2	is	be	AUX
ejif-8706	235	3	unlike	unlike	ADP
ejif-8706	235	4	religiously	religiously	ADV
ejif-8706	235	5	inclined	incline	VERB
ejif-8706	235	6	customers	customer	NOUN
ejif-8706	235	7	whose	whose	DET
ejif-8706	235	8	demand	demand	NOUN
ejif-8706	235	9	for	for	ADP
ejif-8706	235	10	islamic	islamic	ADJ
ejif-8706	235	11	banking	banking	NOUN
ejif-8706	235	12	services	service	NOUN
ejif-8706	235	13	is	be	AUX
ejif-8706	235	14	inelastic(saeed	inelastic(saeed	PROPN
ejif-8706	235	15	et	et	NOUN
ejif-8706	235	16	al	al	PROPN
ejif-8706	235	17	.	.	PROPN
ejif-8706	235	18	,	,	PUNCT
ejif-8706	235	19	2023	2023	NUM
ejif-8706	235	20	)	)	PUNCT
ejif-8706	235	21	,	,	PUNCT
ejif-8706	235	22	regardless	regardless	ADV
ejif-8706	235	23	of	of	ADP
ejif-8706	235	24	movements	movement	NOUN
ejif-8706	235	25	in	in	ADP
ejif-8706	235	26	conventional	conventional	ADJ
ejif-8706	235	27	interest	interest	NOUN
ejif-8706	235	28	rates	rate	NOUN
ejif-8706	235	29	.	.	PUNCT
ejif-8706	236	1	for	for	ADP
ejif-8706	236	2	them	they	PRON
ejif-8706	236	3	,	,	PUNCT
ejif-8706	236	4	it	it	PRON
ejif-8706	236	5	is	be	AUX
ejif-8706	236	6	about	about	ADP
ejif-8706	236	7	adhering	adhere	VERB
ejif-8706	236	8	strictly	strictly	ADV
ejif-8706	236	9	to	to	ADP
ejif-8706	236	10	the	the	DET
ejif-8706	236	11	dictates	dictate	NOUN
ejif-8706	236	12	of	of	ADP
ejif-8706	236	13	their	their	PRON
ejif-8706	236	14	religion	religion	NOUN
ejif-8706	236	15	.	.	PUNCT
ejif-8706	237	1	this	this	DET
ejif-8706	237	2	finding	finding	NOUN
ejif-8706	237	3	supports	support	VERB
ejif-8706	237	4	the	the	DET
ejif-8706	237	5	proposition	proposition	NOUN
ejif-8706	237	6	of	of	ADP
ejif-8706	237	7	rosly	rosly	ADV
ejif-8706	237	8	(	(	PUNCT
ejif-8706	237	9	1999	1999	NUM
ejif-8706	237	10	)	)	PUNCT
ejif-8706	237	11	and	and	CCONJ
ejif-8706	237	12	the	the	DET
ejif-8706	237	13	empirical	empirical	ADJ
ejif-8706	237	14	findings	finding	NOUN
ejif-8706	237	15	of	of	ADP
ejif-8706	237	16	hakan	hakan	PROPN
ejif-8706	237	17	&	&	CCONJ
ejif-8706	237	18	gülümser	gülümser	PROPN
ejif-8706	237	19	(	(	PUNCT
ejif-8706	237	20	2011	2011	NUM
ejif-8706	237	21	)	)	PUNCT
ejif-8706	237	22	and	and	CCONJ
ejif-8706	237	23	(	(	PUNCT
ejif-8706	237	24	ergeç	ergeç	PROPN
ejif-8706	237	25	&	&	CCONJ
ejif-8706	237	26	arslan	arslan	PROPN
ejif-8706	237	27	,	,	PUNCT
ejif-8706	237	28	2013	2013	NUM
ejif-8706	237	29	)	)	PUNCT
ejif-8706	237	30	.	.	PUNCT
ejif-8706	238	1	furthermore	furthermore	ADV
ejif-8706	238	2	,	,	PUNCT
ejif-8706	238	3	it	it	PRON
ejif-8706	238	4	corroborates	corroborate	VERB
ejif-8706	238	5	ifsb	ifsb	PROPN
ejif-8706	238	6	's	's	PART
ejif-8706	238	7	(	(	PUNCT
ejif-8706	238	8	2017	2017	NUM
ejif-8706	238	9	)	)	PUNCT
ejif-8706	238	10	report	report	NOUN
ejif-8706	238	11	,	,	PUNCT
ejif-8706	238	12	which	which	PRON
ejif-8706	238	13	finds	find	VERB
ejif-8706	238	14	that	that	SCONJ
ejif-8706	238	15	islamic	islamic	PROPN
ejif-8706	238	16	bank	bank	PROPN
ejif-8706	238	17	deposits	deposit	NOUN
ejif-8706	238	18	in	in	ADP
ejif-8706	238	19	malaysia	malaysia	PROPN
ejif-8706	238	20	declined	decline	VERB
ejif-8706	238	21	by	by	ADP
ejif-8706	238	22	10.28	10.28	NUM
ejif-8706	238	23	%	%	NOUN
ejif-8706	238	24	in	in	ADP
ejif-8706	238	25	response	response	NOUN
ejif-8706	238	26	to	to	ADP
ejif-8706	238	27	a	a	DET
ejif-8706	238	28	2	2	NUM
ejif-8706	238	29	%	%	NOUN
ejif-8706	238	30	rise	rise	NOUN
ejif-8706	238	31	in	in	ADP
ejif-8706	238	32	interest	interest	NOUN
ejif-8706	238	33	rate	rate	NOUN
ejif-8706	238	34	.	.	PUNCT
ejif-8706	239	1	it	it	PRON
ejif-8706	239	2	also	also	ADV
ejif-8706	239	3	explains	explain	VERB
ejif-8706	239	4	why	why	SCONJ
ejif-8706	239	5	islamic	islamic	ADJ
ejif-8706	239	6	banks	bank	NOUN
ejif-8706	239	7	'	'	PART
ejif-8706	239	8	financing	financing	NOUN
ejif-8706	239	9	drops	drop	NOUN
ejif-8706	239	10	as	as	ADP
ejif-8706	239	11	their	their	PRON
ejif-8706	239	12	primary	primary	ADJ
ejif-8706	239	13	source	source	NOUN
ejif-8706	239	14	of	of	ADP
ejif-8706	239	15	loanable	loanable	ADJ
ejif-8706	239	16	funds	fund	NOUN
ejif-8706	239	17	experience	experience	NOUN
ejif-8706	239	18	contraction	contraction	NOUN
ejif-8706	239	19	.	.	PUNCT
ejif-8706	240	1	the	the	DET
ejif-8706	240	2	decline	decline	NOUN
ejif-8706	240	3	in	in	ADP
ejif-8706	240	4	financing	financing	NOUN
ejif-8706	240	5	is	be	AUX
ejif-8706	240	6	inevitable	inevitable	ADJ
ejif-8706	240	7	,	,	PUNCT
ejif-8706	240	8	given	give	VERB
ejif-8706	240	9	that	that	SCONJ
ejif-8706	240	10	this	this	DET
ejif-8706	240	11	reduction	reduction	NOUN
ejif-8706	240	12	in	in	ADP
ejif-8706	240	13	deposits	deposit	NOUN
ejif-8706	240	14	can	can	AUX
ejif-8706	240	15	not	not	PART
ejif-8706	240	16	be	be	AUX
ejif-8706	240	17	compensated	compensate	VERB
ejif-8706	240	18	for	for	ADP
ejif-8706	240	19	through	through	ADP
ejif-8706	240	20	any	any	DET
ejif-8706	240	21	other	other	ADJ
ejif-8706	240	22	means	mean	NOUN
ejif-8706	240	23	(	(	PUNCT
ejif-8706	240	24	zulkhibri	zulkhibri	NOUN
ejif-8706	240	25	,	,	PUNCT
ejif-8706	240	26	2018	2018	NUM
ejif-8706	240	27	)	)	PUNCT
ejif-8706	240	28	,	,	PUNCT
ejif-8706	240	29	as	as	SCONJ
ejif-8706	240	30	their	their	PRON
ejif-8706	240	31	access	access	NOUN
ejif-8706	240	32	to	to	ADP
ejif-8706	240	33	alternative	alternative	ADJ
ejif-8706	240	34	funding	funding	NOUN
ejif-8706	240	35	sources	source	NOUN
ejif-8706	240	36	is	be	AUX
ejif-8706	240	37	greatly	greatly	ADV
ejif-8706	240	38	limited	limit	VERB
ejif-8706	240	39	(	(	PUNCT
ejif-8706	240	40	farooq	farooq	PROPN
ejif-8706	240	41	&	&	CCONJ
ejif-8706	240	42	zaheer	zaheer	PROPN
ejif-8706	240	43	,	,	PUNCT
ejif-8706	240	44	2015	2015	NUM
ejif-8706	240	45	)	)	PUNCT
ejif-8706	240	46	.	.	PUNCT
ejif-8706	241	1	overall	overall	ADV
ejif-8706	241	2	,	,	PUNCT
ejif-8706	241	3	we	we	PRON
ejif-8706	241	4	argue	argue	VERB
ejif-8706	241	5	that	that	SCONJ
ejif-8706	241	6	islamic	islamic	ADJ
ejif-8706	241	7	banks	bank	NOUN
ejif-8706	241	8	'	'	PART
ejif-8706	241	9	deposits	deposit	NOUN
ejif-8706	241	10	drop	drop	VERB
ejif-8706	241	11	in	in	ADP
ejif-8706	241	12	response	response	NOUN
ejif-8706	241	13	to	to	ADP
ejif-8706	241	14	an	an	DET
ejif-8706	241	15	increase	increase	NOUN
ejif-8706	241	16	in	in	ADP
ejif-8706	241	17	interest	interest	NOUN
ejif-8706	241	18	rate	rate	NOUN
ejif-8706	241	19	because	because	SCONJ
ejif-8706	241	20	a	a	DET
ejif-8706	241	21	sizable	sizable	ADJ
ejif-8706	241	22	number	number	NOUN
ejif-8706	241	23	of	of	ADP
ejif-8706	241	24	depositors	depositor	NOUN
ejif-8706	241	25	with	with	ADP
ejif-8706	241	26	these	these	DET
ejif-8706	241	27	banks	bank	NOUN
ejif-8706	241	28	are	be	AUX
ejif-8706	241	29	"	"	PUNCT
ejif-8706	241	30	rational	rational	ADJ
ejif-8706	241	31	"	"	PUNCT
ejif-8706	241	32	investors	investor	NOUN
ejif-8706	241	33	who	who	PRON
ejif-8706	241	34	are	be	AUX
ejif-8706	241	35	only	only	ADV
ejif-8706	241	36	seeking	seek	VERB
ejif-8706	241	37	returns	return	NOUN
ejif-8706	241	38	maximisation	maximisation	NOUN
ejif-8706	241	39	.	.	PUNCT
ejif-8706	242	1	they	they	PRON
ejif-8706	242	2	move	move	VERB
ejif-8706	242	3	their	their	PRON
ejif-8706	242	4	funds	fund	NOUN
ejif-8706	242	5	between	between	ADP
ejif-8706	242	6	conventional	conventional	ADJ
ejif-8706	242	7	and	and	CCONJ
ejif-8706	242	8	islamic	islamic	ADJ
ejif-8706	242	9	banks	bank	NOUN
ejif-8706	242	10	at	at	ADP
ejif-8706	242	11	every	every	DET
ejif-8706	242	12	opportunity	opportunity	NOUN
ejif-8706	242	13	,	,	PUNCT
ejif-8706	242	14	depending	depend	VERB
ejif-8706	242	15	on	on	ADP
ejif-8706	242	16	when	when	SCONJ
ejif-8706	242	17	their	their	PRON
ejif-8706	242	18	motive	motive	NOUN
ejif-8706	242	19	is	be	AUX
ejif-8706	242	20	best	well	ADV
ejif-8706	242	21	served	serve	VERB
ejif-8706	242	22	.	.	PUNCT
ejif-8706	243	1	6	6	X
ejif-8706	243	2	.	.	X
ejif-8706	243	3	conclusion	conclusion	NOUN
ejif-8706	243	4	the	the	DET
ejif-8706	243	5	co	co	NOUN
ejif-8706	243	6	-	-	NOUN
ejif-8706	243	7	existence	existence	NOUN
ejif-8706	243	8	of	of	ADP
ejif-8706	243	9	islamic	islamic	ADJ
ejif-8706	243	10	banks	bank	NOUN
ejif-8706	243	11	side	side	NOUN
ejif-8706	243	12	-	-	PUNCT
ejif-8706	243	13	by	by	ADP
ejif-8706	243	14	-	-	PUNCT
ejif-8706	243	15	side	side	NOUN
ejif-8706	243	16	with	with	ADP
ejif-8706	243	17	conventional	conventional	ADJ
ejif-8706	243	18	banks	bank	NOUN
ejif-8706	243	19	in	in	ADP
ejif-8706	243	20	a	a	DET
ejif-8706	243	21	dual	dual	ADJ
ejif-8706	243	22	banking	banking	NOUN
ejif-8706	243	23	system	system	NOUN
ejif-8706	243	24	is	be	AUX
ejif-8706	243	25	the	the	DET
ejif-8706	243	26	reality	reality	NOUN
ejif-8706	243	27	in	in	ADP
ejif-8706	243	28	most	most	ADJ
ejif-8706	243	29	countries	country	NOUN
ejif-8706	243	30	where	where	SCONJ
ejif-8706	243	31	islamic	islamic	ADJ
ejif-8706	243	32	banking	banking	NOUN
ejif-8706	243	33	is	be	AUX
ejif-8706	243	34	practised	practise	VERB
ejif-8706	243	35	.	.	PUNCT
ejif-8706	244	1	this	this	PRON
ejif-8706	244	2	has	have	AUX
ejif-8706	244	3	resulted	result	VERB
ejif-8706	244	4	in	in	ADP
ejif-8706	244	5	fierce	fierce	ADJ
ejif-8706	244	6	competition	competition	NOUN
ejif-8706	244	7	among	among	ADP
ejif-8706	244	8	these	these	DET
ejif-8706	244	9	two	two	NUM
ejif-8706	244	10	types	type	NOUN
ejif-8706	244	11	of	of	ADP
ejif-8706	244	12	banking	banking	NOUN
ejif-8706	244	13	systems	system	NOUN
ejif-8706	244	14	seeking	seek	VERB
ejif-8706	244	15	to	to	PART
ejif-8706	244	16	attract	attract	VERB
ejif-8706	244	17	customers	customer	NOUN
ejif-8706	244	18	.	.	PUNCT
ejif-8706	245	1	as	as	ADP
ejif-8706	245	2	a	a	DET
ejif-8706	245	3	necessary	necessary	ADJ
ejif-8706	245	4	consequence	consequence	NOUN
ejif-8706	245	5	,	,	PUNCT
ejif-8706	245	6	the	the	DET
ejif-8706	245	7	line	line	NOUN
ejif-8706	245	8	of	of	ADP
ejif-8706	245	9	distinction	distinction	NOUN
ejif-8706	245	10	between	between	ADP
ejif-8706	245	11	the	the	DET
ejif-8706	245	12	duo	duo	NOUN
ejif-8706	245	13	has	have	AUX
ejif-8706	245	14	continued	continue	VERB
ejif-8706	245	15	to	to	PART
ejif-8706	245	16	fade	fade	VERB
ejif-8706	245	17	out	out	ADP
ejif-8706	245	18	as	as	SCONJ
ejif-8706	245	19	islamic	islamic	ADJ
ejif-8706	245	20	banks	bank	NOUN
ejif-8706	245	21	compete	compete	VERB
ejif-8706	245	22	for	for	ADP
ejif-8706	245	23	space	space	NOUN
ejif-8706	245	24	with	with	ADP
ejif-8706	245	25	their	their	PRON
ejif-8706	245	26	conventional	conventional	ADJ
ejif-8706	245	27	counterparts	counterpart	NOUN
ejif-8706	245	28	.	.	PUNCT
ejif-8706	246	1	rather	rather	ADV
ejif-8706	246	2	than	than	SCONJ
ejif-8706	246	3	maintain	maintain	VERB
ejif-8706	246	4	their	their	PRON
ejif-8706	246	5	distinct	distinct	ADJ
ejif-8706	246	6	identity	identity	NOUN
ejif-8706	246	7	,	,	PUNCT
ejif-8706	246	8	islamic	islamic	ADJ
ejif-8706	246	9	banks	bank	NOUN
ejif-8706	246	10	have	have	AUX
ejif-8706	246	11	been	be	AUX
ejif-8706	246	12	found	find	VERB
ejif-8706	246	13	to	to	PART
ejif-8706	246	14	emulate	emulate	VERB
ejif-8706	246	15	traditional	traditional	ADJ
ejif-8706	246	16	banks	bank	NOUN
ejif-8706	246	17	in	in	ADP
ejif-8706	246	18	their	their	PRON
ejif-8706	246	19	product	product	NOUN
ejif-8706	246	20	offerings	offering	NOUN
ejif-8706	246	21	,	,	PUNCT
ejif-8706	246	22	which	which	PRON
ejif-8706	246	23	seems	seem	VERB
ejif-8706	246	24	to	to	PART
ejif-8706	246	25	jeopardise	jeopardise	VERB
ejif-8706	246	26	the	the	DET
ejif-8706	246	27	whole	whole	ADJ
ejif-8706	246	28	essence	essence	NOUN
ejif-8706	246	29	of	of	ADP
ejif-8706	246	30	islamic	islamic	ADJ
ejif-8706	246	31	banking	banking	NOUN
ejif-8706	246	32	:	:	PUNCT
ejif-8706	246	33	to	to	PART
ejif-8706	246	34	eliminate	eliminate	VERB
ejif-8706	246	35	interest	interest	NOUN
ejif-8706	246	36	-	-	PUNCT
ejif-8706	246	37	based	base	VERB
ejif-8706	246	38	transactions	transaction	NOUN
ejif-8706	246	39	and	and	CCONJ
ejif-8706	246	40	replace	replace	VERB
ejif-8706	246	41	them	they	PRON
ejif-8706	246	42	with	with	ADP
ejif-8706	246	43	a	a	DET
ejif-8706	246	44	shari'ah	shari'ah	NOUN
ejif-8706	246	45	-	-	PUNCT
ejif-8706	246	46	compliant	compliant	ADJ
ejif-8706	246	47	pls	pls	NOUN
ejif-8706	246	48	model	model	NOUN
ejif-8706	246	49	.	.	PUNCT
ejif-8706	247	1	the	the	DET
ejif-8706	247	2	influence	influence	NOUN
ejif-8706	247	3	of	of	ADP
ejif-8706	247	4	interest	interest	NOUN
ejif-8706	247	5	rates	rate	NOUN
ejif-8706	247	6	on	on	ADP
ejif-8706	247	7	islamic	islamic	PROPN
ejif-8706	247	8	bank	bank	PROPN
ejif-8706	247	9	financing	financing	NOUN
ejif-8706	247	10	is	be	AUX
ejif-8706	247	11	becoming	become	VERB
ejif-8706	247	12	more	more	ADV
ejif-8706	247	13	glaring	glaring	ADJ
ejif-8706	247	14	with	with	ADP
ejif-8706	247	15	each	each	DET
ejif-8706	247	16	passing	pass	VERB
ejif-8706	247	17	day	day	NOUN
ejif-8706	247	18	.	.	PUNCT
ejif-8706	248	1	this	this	PRON
ejif-8706	248	2	has	have	AUX
ejif-8706	248	3	necessitated	necessitate	VERB
ejif-8706	248	4	various	various	ADJ
ejif-8706	248	5	studies	study	NOUN
ejif-8706	248	6	seeking	seek	VERB
ejif-8706	248	7	to	to	PART
ejif-8706	248	8	quantify	quantify	VERB
ejif-8706	248	9	the	the	DET
ejif-8706	248	10	impact	impact	NOUN
ejif-8706	248	11	of	of	ADP
ejif-8706	248	12	interest	interest	NOUN
ejif-8706	248	13	rates	rate	NOUN
ejif-8706	248	14	on	on	ADP
ejif-8706	248	15	islamic	islamic	PROPN
ejif-8706	248	16	bank	bank	PROPN
ejif-8706	248	17	financing	financing	NOUN
ejif-8706	248	18	and	and	CCONJ
ejif-8706	248	19	deposits	deposit	NOUN
ejif-8706	248	20	.	.	PUNCT
ejif-8706	249	1	accordingly	accordingly	ADV
ejif-8706	249	2	,	,	PUNCT
ejif-8706	249	3	this	this	DET
ejif-8706	249	4	study	study	NOUN
ejif-8706	249	5	also	also	ADV
ejif-8706	249	6	examines	examine	VERB
ejif-8706	249	7	the	the	DET
ejif-8706	249	8	impact	impact	NOUN
ejif-8706	249	9	of	of	ADP
ejif-8706	249	10	interest	interest	NOUN
ejif-8706	249	11	rates	rate	NOUN
ejif-8706	249	12	on	on	ADP
ejif-8706	249	13	islamic	islamic	ADJ
ejif-8706	249	14	banks	bank	NOUN
ejif-8706	249	15	'	'	PART
ejif-8706	249	16	financing	financing	NOUN
ejif-8706	249	17	in	in	ADP
ejif-8706	249	18	the	the	DET
ejif-8706	249	19	uk	uk	PROPN
ejif-8706	249	20	,	,	PUNCT
ejif-8706	249	21	the	the	DET
ejif-8706	249	22	hub	hub	NOUN
ejif-8706	249	23	of	of	ADP
ejif-8706	249	24	islamic	islamic	ADJ
ejif-8706	249	25	finance	finance	PROPN
ejif-8706	249	26	in	in	ADP
ejif-8706	249	27	europe	europe	PROPN
ejif-8706	249	28	in	in	ADP
ejif-8706	249	29	the	the	DET
ejif-8706	249	30	west	west	NOUN
ejif-8706	249	31	.	.	PUNCT
ejif-8706	250	1	we	we	PRON
ejif-8706	250	2	modelled	model	VERB
ejif-8706	250	3	islamic	islamic	ADJ
ejif-8706	250	4	financing	financing	NOUN
ejif-8706	250	5	against	against	ADP
ejif-8706	250	6	interest	interest	NOUN
ejif-8706	250	7	rate	rate	NOUN
ejif-8706	250	8	,	,	PUNCT
ejif-8706	250	9	proxied	proxie	VERB
ejif-8706	250	10	by	by	ADP
ejif-8706	250	11	the	the	DET
ejif-8706	250	12	bank	bank	PROPN
ejif-8706	250	13	of	of	ADP
ejif-8706	250	14	england	england	PROPN
ejif-8706	250	15	rate	rate	NOUN
ejif-8706	250	16	,	,	PUNCT
ejif-8706	250	17	the	the	DET
ejif-8706	250	18	uk	uk	PROPN
ejif-8706	250	19	's	's	PART
ejif-8706	250	20	policy	policy	NOUN
ejif-8706	250	21	rate	rate	NOUN
ejif-8706	250	22	.	.	PUNCT
ejif-8706	251	1	the	the	DET
ejif-8706	251	2	influence	influence	NOUN
ejif-8706	251	3	of	of	ADP
ejif-8706	251	4	islamic	islamic	ADJ
ejif-8706	251	5	banking	banking	NOUN
ejif-8706	251	6	in	in	ADP
ejif-8706	251	7	the	the	DET
ejif-8706	251	8	united	united	PROPN
ejif-8706	251	9	kingdom	kingdom	PROPN
ejif-8706	251	10	has	have	AUX
ejif-8706	251	11	experienced	experience	VERB
ejif-8706	251	12	an	an	DET
ejif-8706	251	13	upward	upward	ADJ
ejif-8706	251	14	swing	swing	NOUN
ejif-8706	251	15	in	in	ADP
ejif-8706	251	16	the	the	DET
ejif-8706	251	17	last	last	ADJ
ejif-8706	251	18	decade	decade	NOUN
ejif-8706	251	19	,	,	PUNCT
ejif-8706	251	20	mainly	mainly	ADV
ejif-8706	251	21	due	due	ADP
ejif-8706	251	22	to	to	ADP
ejif-8706	251	23	the	the	DET
ejif-8706	251	24	increasing	increase	VERB
ejif-8706	251	25	population	population	NOUN
ejif-8706	251	26	of	of	ADP
ejif-8706	251	27	migrants	migrant	NOUN
ejif-8706	251	28	from	from	ADP
ejif-8706	251	29	muslim	muslim	ADJ
ejif-8706	251	30	countries	country	NOUN
ejif-8706	251	31	and	and	CCONJ
ejif-8706	251	32	the	the	DET
ejif-8706	251	33	growing	grow	VERB
ejif-8706	251	34	number	number	NOUN
ejif-8706	251	35	of	of	ADP
ejif-8706	251	36	students	student	NOUN
ejif-8706	251	37	european	european	PROPN
ejif-8706	251	38	journal	journal	PROPN
ejif-8706	251	39	of	of	ADP
ejif-8706	251	40	islamic	islamic	PROPN
ejif-8706	251	41	finance	finance	PROPN
ejif-8706	251	42	issn	issn	PROPN
ejif-8706	251	43	:	:	PUNCT
ejif-8706	251	44	2421	2421	NUM
ejif-8706	251	45	-	-	SYM
ejif-8706	251	46	2172	2172	NUM
ejif-8706	251	47	doi	doi	NOUN
ejif-8706	251	48	:	:	PUNCT
ejif-8706	251	49	10.13135/2421	10.13135/2421	NUM
ejif-8706	251	50	-	-	SYM
ejif-8706	251	51	2172/8706	2172/8706	NUM
ejif-8706	251	52	published	publish	VERB
ejif-8706	251	53	by	by	ADP
ejif-8706	251	54	university	university	PROPN
ejif-8706	251	55	of	of	ADP
ejif-8706	251	56	turin	turin	PROPN
ejif-8706	252	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	252	2	ejif	ejif	PROPN
ejif-8706	252	3	content	content	NOUN
ejif-8706	252	4	is	be	AUX
ejif-8706	252	5	licensed	license	VERB
ejif-8706	252	6	under	under	ADP
ejif-8706	252	7	a	a	DET
ejif-8706	252	8	creative	creative	ADJ
ejif-8706	252	9	commons	common	NOUN
ejif-8706	252	10	attribution	attribution	NOUN
ejif-8706	252	11	4.0	4.0	NUM
ejif-8706	252	12	international	international	ADJ
ejif-8706	252	13	license	license	NOUN
ejif-8706	252	14	58	58	NUM
ejif-8706	252	15	coming	come	VERB
ejif-8706	252	16	to	to	ADP
ejif-8706	252	17	the	the	DET
ejif-8706	252	18	government	government	NOUN
ejif-8706	252	19	to	to	PART
ejif-8706	252	20	pursue	pursue	VERB
ejif-8706	252	21	higher	high	ADJ
ejif-8706	252	22	education	education	NOUN
ejif-8706	252	23	.	.	PUNCT
ejif-8706	253	1	this	this	PRON
ejif-8706	253	2	has	have	AUX
ejif-8706	253	3	meant	mean	VERB
ejif-8706	253	4	an	an	DET
ejif-8706	253	5	increase	increase	NOUN
ejif-8706	253	6	in	in	ADP
ejif-8706	253	7	demand	demand	NOUN
ejif-8706	253	8	for	for	ADP
ejif-8706	253	9	shari'ah	shari'ah	NOUN
ejif-8706	253	10	-	-	PUNCT
ejif-8706	253	11	compliant	compliant	ADJ
ejif-8706	253	12	banking	banking	NOUN
ejif-8706	253	13	services	service	NOUN
ejif-8706	253	14	.	.	PUNCT
ejif-8706	254	1	our	our	PRON
ejif-8706	254	2	finding	finding	NOUN
ejif-8706	254	3	confirmed	confirm	VERB
ejif-8706	254	4	the	the	DET
ejif-8706	254	5	existence	existence	NOUN
ejif-8706	254	6	of	of	ADP
ejif-8706	254	7	a	a	DET
ejif-8706	254	8	negative	negative	ADJ
ejif-8706	254	9	,	,	PUNCT
ejif-8706	254	10	though	though	SCONJ
ejif-8706	254	11	statistically	statistically	ADV
ejif-8706	254	12	insignificant	insignificant	ADJ
ejif-8706	254	13	,	,	PUNCT
ejif-8706	254	14	relationship	relationship	NOUN
ejif-8706	254	15	between	between	ADP
ejif-8706	254	16	islamic	islamic	ADJ
ejif-8706	254	17	banks	bank	NOUN
ejif-8706	254	18	'	'	PART
ejif-8706	254	19	financing	financing	NOUN
ejif-8706	254	20	and	and	CCONJ
ejif-8706	254	21	interest	interest	NOUN
ejif-8706	254	22	rates	rate	NOUN
ejif-8706	254	23	in	in	ADP
ejif-8706	254	24	the	the	DET
ejif-8706	254	25	uk	uk	PROPN
ejif-8706	254	26	.	.	PUNCT
ejif-8706	255	1	this	this	PRON
ejif-8706	255	2	is	be	AUX
ejif-8706	255	3	because	because	SCONJ
ejif-8706	255	4	as	as	SCONJ
ejif-8706	255	5	the	the	DET
ejif-8706	255	6	interest	interest	NOUN
ejif-8706	255	7	rate	rate	NOUN
ejif-8706	255	8	goes	go	VERB
ejif-8706	255	9	up	up	ADP
ejif-8706	255	10	,	,	PUNCT
ejif-8706	255	11	conventional	conventional	ADJ
ejif-8706	255	12	banks	bank	NOUN
ejif-8706	255	13	'	'	PART
ejif-8706	255	14	lending	lending	NOUN
ejif-8706	255	15	rate	rate	NOUN
ejif-8706	255	16	also	also	ADV
ejif-8706	255	17	goes	go	VERB
ejif-8706	255	18	up	up	ADP
ejif-8706	255	19	,	,	PUNCT
ejif-8706	255	20	and	and	CCONJ
ejif-8706	255	21	so	so	ADV
ejif-8706	255	22	does	do	VERB
ejif-8706	255	23	the	the	DET
ejif-8706	255	24	deposit	deposit	NOUN
ejif-8706	255	25	rate	rate	NOUN
ejif-8706	255	26	.	.	PUNCT
ejif-8706	256	1	considering	consider	VERB
ejif-8706	256	2	that	that	SCONJ
ejif-8706	256	3	the	the	DET
ejif-8706	256	4	return	return	NOUN
ejif-8706	256	5	rate	rate	NOUN
ejif-8706	256	6	on	on	ADP
ejif-8706	256	7	islamic	islamic	PROPN
ejif-8706	256	8	bank	bank	PROPN
ejif-8706	256	9	investment	investment	NOUN
ejif-8706	256	10	accounts	account	NOUN
ejif-8706	256	11	is	be	AUX
ejif-8706	256	12	fixed	fix	VERB
ejif-8706	256	13	rather	rather	ADV
ejif-8706	256	14	than	than	ADP
ejif-8706	256	15	variable	variable	ADJ
ejif-8706	256	16	,	,	PUNCT
ejif-8706	256	17	non	non	ADJ
ejif-8706	256	18	-	-	ADJ
ejif-8706	256	19	religiously	religiously	ADV
ejif-8706	256	20	inclined	inclined	ADJ
ejif-8706	256	21	depositors	depositor	NOUN
ejif-8706	256	22	,	,	PUNCT
ejif-8706	256	23	acting	act	VERB
ejif-8706	256	24	in	in	ADP
ejif-8706	256	25	consonance	consonance	NOUN
ejif-8706	256	26	with	with	ADP
ejif-8706	256	27	the	the	DET
ejif-8706	256	28	rational	rational	ADJ
ejif-8706	256	29	choice	choice	NOUN
ejif-8706	256	30	theory	theory	NOUN
ejif-8706	256	31	,	,	PUNCT
ejif-8706	256	32	move	move	VERB
ejif-8706	256	33	their	their	PRON
ejif-8706	256	34	funds	fund	NOUN
ejif-8706	256	35	to	to	ADP
ejif-8706	256	36	conventional	conventional	ADJ
ejif-8706	256	37	banks	bank	NOUN
ejif-8706	256	38	to	to	PART
ejif-8706	256	39	maximise	maximise	VERB
ejif-8706	256	40	their	their	PRON
ejif-8706	256	41	returns	return	NOUN
ejif-8706	256	42	.	.	PUNCT
ejif-8706	257	1	this	this	DET
ejif-8706	257	2	action	action	NOUN
ejif-8706	257	3	effectively	effectively	ADV
ejif-8706	257	4	causes	cause	VERB
ejif-8706	257	5	islamic	islamic	PROPN
ejif-8706	257	6	bank	bank	PROPN
ejif-8706	257	7	deposits	deposit	NOUN
ejif-8706	257	8	to	to	PART
ejif-8706	257	9	nosedive	nosedive	VERB
ejif-8706	257	10	.	.	PUNCT
ejif-8706	258	1	with	with	ADP
ejif-8706	258	2	declining	decline	VERB
ejif-8706	258	3	deposits	deposit	NOUN
ejif-8706	258	4	,	,	PUNCT
ejif-8706	258	5	islamic	islamic	ADJ
ejif-8706	258	6	banks	bank	NOUN
ejif-8706	258	7	'	'	PART
ejif-8706	258	8	financing	financing	NOUN
ejif-8706	258	9	also	also	ADV
ejif-8706	258	10	takes	take	VERB
ejif-8706	258	11	a	a	DET
ejif-8706	258	12	downward	downward	ADJ
ejif-8706	258	13	turn	turn	NOUN
ejif-8706	258	14	due	due	ADP
ejif-8706	258	15	to	to	ADP
ejif-8706	258	16	a	a	DET
ejif-8706	258	17	shortage	shortage	NOUN
ejif-8706	258	18	of	of	ADP
ejif-8706	258	19	loanable	loanable	ADJ
ejif-8706	258	20	funds	fund	NOUN
ejif-8706	258	21	.	.	PUNCT
ejif-8706	259	1	this	this	DET
ejif-8706	259	2	finding	finding	NOUN
ejif-8706	259	3	supports	support	VERB
ejif-8706	259	4	the	the	DET
ejif-8706	259	5	theoretical	theoretical	ADJ
ejif-8706	259	6	postulation	postulation	NOUN
ejif-8706	259	7	of	of	ADP
ejif-8706	259	8	rosly	rosly	ADV
ejif-8706	259	9	(	(	PUNCT
ejif-8706	259	10	1999	1999	NUM
ejif-8706	259	11	)	)	PUNCT
ejif-8706	259	12	,	,	PUNCT
ejif-8706	259	13	the	the	DET
ejif-8706	259	14	empirical	empirical	ADJ
ejif-8706	259	15	findings	finding	NOUN
ejif-8706	259	16	of	of	ADP
ejif-8706	259	17	ergeç	ergeç	PROPN
ejif-8706	259	18	&	&	CCONJ
ejif-8706	259	19	arslan	arslan	PROPN
ejif-8706	259	20	(	(	PUNCT
ejif-8706	259	21	2013	2013	NUM
ejif-8706	259	22	)	)	PUNCT
ejif-8706	259	23	,	,	PUNCT
ejif-8706	259	24	and	and	CCONJ
ejif-8706	259	25	that	that	PRON
ejif-8706	259	26	of	of	ADP
ejif-8706	259	27	hakan	hakan	PROPN
ejif-8706	259	28	&	&	CCONJ
ejif-8706	259	29	gülümser	gülümser	PROPN
ejif-8706	259	30	(	(	PUNCT
ejif-8706	259	31	2011	2011	NUM
ejif-8706	259	32	)	)	PUNCT
ejif-8706	259	33	.	.	PUNCT
ejif-8706	260	1	it	it	PRON
ejif-8706	260	2	is	be	AUX
ejif-8706	260	3	also	also	ADV
ejif-8706	260	4	consistent	consistent	ADJ
ejif-8706	260	5	with	with	ADP
ejif-8706	260	6	the	the	DET
ejif-8706	260	7	findings	finding	NOUN
ejif-8706	260	8	of	of	ADP
ejif-8706	260	9	a.	a.	PROPN
ejif-8706	260	10	o.	o.	PROPN
ejif-8706	260	11	ali	ali	PROPN
ejif-8706	260	12	(	(	PUNCT
ejif-8706	260	13	2021	2021	NUM
ejif-8706	260	14	)	)	PUNCT
ejif-8706	260	15	and	and	CCONJ
ejif-8706	260	16	šeho	šeho	VERB
ejif-8706	260	17	et	et	PROPN
ejif-8706	260	18	al	al	PROPN
ejif-8706	260	19	.	.	PROPN
ejif-8706	261	1	(	(	PUNCT
ejif-8706	261	2	2020b	2020b	NUM
ejif-8706	261	3	)	)	PUNCT
ejif-8706	261	4	.	.	PUNCT
ejif-8706	262	1	we	we	PRON
ejif-8706	262	2	also	also	ADV
ejif-8706	262	3	modelled	model	VERB
ejif-8706	262	4	islamic	islamic	ADJ
ejif-8706	262	5	banks	bank	NOUN
ejif-8706	262	6	'	'	PART
ejif-8706	262	7	deposits	deposit	NOUN
ejif-8706	262	8	against	against	ADP
ejif-8706	262	9	interest	interest	NOUN
ejif-8706	262	10	rates	rate	NOUN
ejif-8706	262	11	separately	separately	ADV
ejif-8706	262	12	,	,	PUNCT
ejif-8706	262	13	and	and	CCONJ
ejif-8706	262	14	the	the	DET
ejif-8706	262	15	result	result	NOUN
ejif-8706	262	16	confirms	confirm	VERB
ejif-8706	262	17	a	a	DET
ejif-8706	262	18	statistically	statistically	ADV
ejif-8706	262	19	significant	significant	ADJ
ejif-8706	262	20	negative	negative	ADJ
ejif-8706	262	21	relationship	relationship	NOUN
ejif-8706	262	22	between	between	ADP
ejif-8706	262	23	the	the	DET
ejif-8706	262	24	two	two	NUM
ejif-8706	262	25	.	.	PUNCT
ejif-8706	263	1	this	this	PRON
ejif-8706	263	2	suggests	suggest	VERB
ejif-8706	263	3	that	that	SCONJ
ejif-8706	263	4	the	the	DET
ejif-8706	263	5	channel	channel	NOUN
ejif-8706	263	6	through	through	ADP
ejif-8706	263	7	which	which	PRON
ejif-8706	263	8	changes	change	NOUN
ejif-8706	263	9	in	in	ADP
ejif-8706	263	10	interest	interest	NOUN
ejif-8706	263	11	rates	rate	NOUN
ejif-8706	263	12	affect	affect	VERB
ejif-8706	263	13	islamic	islamic	ADJ
ejif-8706	263	14	banks	bank	NOUN
ejif-8706	263	15	'	'	PART
ejif-8706	263	16	financing	financing	NOUN
ejif-8706	263	17	is	be	AUX
ejif-8706	263	18	the	the	DET
ejif-8706	263	19	deposit	deposit	NOUN
ejif-8706	263	20	.	.	PUNCT
ejif-8706	264	1	further	further	ADJ
ejif-8706	264	2	analysis	analysis	NOUN
ejif-8706	264	3	shows	show	VERB
ejif-8706	264	4	that	that	SCONJ
ejif-8706	264	5	the	the	DET
ejif-8706	264	6	size	size	NOUN
ejif-8706	264	7	of	of	ADP
ejif-8706	264	8	an	an	DET
ejif-8706	264	9	islamic	islamic	PROPN
ejif-8706	264	10	bank	bank	NOUN
ejif-8706	264	11	,	,	PUNCT
ejif-8706	264	12	as	as	SCONJ
ejif-8706	264	13	proxied	proxie	VERB
ejif-8706	264	14	by	by	ADP
ejif-8706	264	15	total	total	ADJ
ejif-8706	264	16	assets	asset	NOUN
ejif-8706	264	17	,	,	PUNCT
ejif-8706	264	18	is	be	AUX
ejif-8706	264	19	an	an	DET
ejif-8706	264	20	essential	essential	ADJ
ejif-8706	264	21	determinant	determinant	NOUN
ejif-8706	264	22	of	of	ADP
ejif-8706	264	23	total	total	ADJ
ejif-8706	264	24	funding	funding	NOUN
ejif-8706	264	25	,	,	PUNCT
ejif-8706	264	26	considering	consider	VERB
ejif-8706	264	27	our	our	PRON
ejif-8706	264	28	result	result	NOUN
ejif-8706	264	29	's	's	PART
ejif-8706	264	30	positive	positive	ADJ
ejif-8706	264	31	and	and	CCONJ
ejif-8706	264	32	statistically	statistically	ADV
ejif-8706	264	33	significant	significant	ADJ
ejif-8706	264	34	relationship	relationship	NOUN
ejif-8706	264	35	.	.	PUNCT
ejif-8706	265	1	inflation	inflation	NOUN
ejif-8706	265	2	and	and	CCONJ
ejif-8706	265	3	gdp	gdp	NOUN
ejif-8706	265	4	growth	growth	NOUN
ejif-8706	265	5	rate	rate	NOUN
ejif-8706	265	6	are	be	AUX
ejif-8706	265	7	both	both	PRON
ejif-8706	265	8	found	find	VERB
ejif-8706	265	9	to	to	PART
ejif-8706	265	10	harm	harm	VERB
ejif-8706	265	11	financing	financing	NOUN
ejif-8706	265	12	.	.	PUNCT
ejif-8706	266	1	an	an	DET
ejif-8706	266	2	important	important	ADJ
ejif-8706	266	3	implication	implication	NOUN
ejif-8706	266	4	of	of	ADP
ejif-8706	266	5	our	our	PRON
ejif-8706	266	6	finding	finding	NOUN
ejif-8706	266	7	is	be	AUX
ejif-8706	266	8	that	that	SCONJ
ejif-8706	266	9	as	as	ADV
ejif-8706	266	10	long	long	ADV
ejif-8706	266	11	as	as	SCONJ
ejif-8706	266	12	islamic	islamic	ADJ
ejif-8706	266	13	banks	bank	NOUN
ejif-8706	266	14	operate	operate	VERB
ejif-8706	266	15	in	in	ADP
ejif-8706	266	16	a	a	DET
ejif-8706	266	17	dual	dual	ADJ
ejif-8706	266	18	banking	banking	NOUN
ejif-8706	266	19	system	system	NOUN
ejif-8706	266	20	and	and	CCONJ
ejif-8706	266	21	are	be	AUX
ejif-8706	266	22	patronised	patronise	VERB
ejif-8706	266	23	by	by	ADP
ejif-8706	266	24	customers	customer	NOUN
ejif-8706	266	25	whose	whose	DET
ejif-8706	266	26	patronage	patronage	NOUN
ejif-8706	266	27	is	be	AUX
ejif-8706	266	28	driven	drive	VERB
ejif-8706	266	29	strictly	strictly	ADV
ejif-8706	266	30	by	by	ADP
ejif-8706	266	31	profit	profit	NOUN
ejif-8706	266	32	considerations	consideration	NOUN
ejif-8706	266	33	,	,	PUNCT
ejif-8706	266	34	it	it	PRON
ejif-8706	266	35	will	will	AUX
ejif-8706	266	36	be	be	AUX
ejif-8706	266	37	difficult	difficult	ADJ
ejif-8706	266	38	,	,	PUNCT
ejif-8706	266	39	if	if	SCONJ
ejif-8706	266	40	not	not	PART
ejif-8706	266	41	outrightly	outrightly	ADV
ejif-8706	266	42	impossible	impossible	ADJ
ejif-8706	266	43	,	,	PUNCT
ejif-8706	266	44	to	to	PART
ejif-8706	266	45	disentangle	disentangle	VERB
ejif-8706	266	46	them	they	PRON
ejif-8706	266	47	from	from	ADP
ejif-8706	266	48	the	the	DET
ejif-8706	266	49	influence	influence	NOUN
ejif-8706	266	50	of	of	ADP
ejif-8706	266	51	conventional	conventional	ADJ
ejif-8706	266	52	interest	interest	NOUN
ejif-8706	266	53	rate	rate	NOUN
ejif-8706	266	54	.	.	PUNCT
ejif-8706	267	1	in	in	ADP
ejif-8706	267	2	our	our	PRON
ejif-8706	267	3	opinion	opinion	NOUN
ejif-8706	267	4	,	,	PUNCT
ejif-8706	267	5	not	not	PART
ejif-8706	267	6	even	even	ADV
ejif-8706	267	7	enforcing	enforce	VERB
ejif-8706	267	8	regulations	regulation	NOUN
ejif-8706	267	9	seeking	seek	VERB
ejif-8706	267	10	to	to	PART
ejif-8706	267	11	dissuade	dissuade	VERB
ejif-8706	267	12	islamic	islamic	ADJ
ejif-8706	267	13	banks	bank	NOUN
ejif-8706	267	14	from	from	ADP
ejif-8706	267	15	acting	act	VERB
ejif-8706	267	16	in	in	ADP
ejif-8706	267	17	tandem	tandem	NOUN
ejif-8706	267	18	with	with	ADP
ejif-8706	267	19	traditional	traditional	ADJ
ejif-8706	267	20	banks	bank	NOUN
ejif-8706	267	21	,	,	PUNCT
ejif-8706	267	22	as	as	SCONJ
ejif-8706	267	23	suggested	suggest	VERB
ejif-8706	267	24	by	by	ADP
ejif-8706	267	25	al	al	PROPN
ejif-8706	267	26	-	-	PUNCT
ejif-8706	267	27	jarhi	jarhi	PROPN
ejif-8706	267	28	(	(	PUNCT
ejif-8706	267	29	2017	2017	NUM
ejif-8706	267	30	)	)	PUNCT
ejif-8706	267	31	,	,	PUNCT
ejif-8706	267	32	can	can	AUX
ejif-8706	267	33	reverse	reverse	VERB
ejif-8706	267	34	the	the	DET
ejif-8706	267	35	trend	trend	NOUN
ejif-8706	267	36	.	.	PUNCT
ejif-8706	268	1	this	this	DET
ejif-8706	268	2	situation	situation	NOUN
ejif-8706	268	3	,	,	PUNCT
ejif-8706	268	4	however	however	ADV
ejif-8706	268	5	,	,	PUNCT
ejif-8706	268	6	has	have	VERB
ejif-8706	268	7	implications	implication	NOUN
ejif-8706	268	8	for	for	ADP
ejif-8706	268	9	customer	customer	NOUN
ejif-8706	268	10	perception	perception	NOUN
ejif-8706	268	11	and	and	CCONJ
ejif-8706	268	12	trust	trust	NOUN
ejif-8706	268	13	.	.	PUNCT
ejif-8706	269	1	many	many	ADJ
ejif-8706	269	2	customers	customer	NOUN
ejif-8706	269	3	may	may	AUX
ejif-8706	269	4	soon	soon	ADV
ejif-8706	269	5	become	become	VERB
ejif-8706	269	6	disinterested	disinterested	ADJ
ejif-8706	269	7	in	in	ADP
ejif-8706	269	8	islamic	islamic	ADJ
ejif-8706	269	9	banks	bank	NOUN
ejif-8706	269	10	if	if	SCONJ
ejif-8706	269	11	they	they	PRON
ejif-8706	269	12	perceive	perceive	VERB
ejif-8706	269	13	that	that	SCONJ
ejif-8706	269	14	their	their	PRON
ejif-8706	269	15	operations	operation	NOUN
ejif-8706	269	16	are	be	AUX
ejif-8706	269	17	not	not	PART
ejif-8706	269	18	insulated	insulate	VERB
ejif-8706	269	19	from	from	ADP
ejif-8706	269	20	interest	interest	NOUN
ejif-8706	269	21	rates	rate	NOUN
ejif-8706	269	22	.	.	PUNCT
ejif-8706	270	1	they	they	PRON
ejif-8706	270	2	may	may	AUX
ejif-8706	270	3	feel	feel	VERB
ejif-8706	270	4	let	let	VERB
ejif-8706	270	5	down	down	ADP
ejif-8706	270	6	and	and	CCONJ
ejif-8706	270	7	betrayed	betray	VERB
ejif-8706	270	8	,	,	PUNCT
ejif-8706	270	9	resulting	result	VERB
ejif-8706	270	10	in	in	ADP
ejif-8706	270	11	their	their	PRON
ejif-8706	270	12	deposits	deposit	NOUN
ejif-8706	270	13	being	be	AUX
ejif-8706	270	14	withdrawn	withdraw	VERB
ejif-8706	270	15	and	and	CCONJ
ejif-8706	270	16	refusing	refuse	VERB
ejif-8706	270	17	to	to	PART
ejif-8706	270	18	transact	transact	VERB
ejif-8706	270	19	business	business	NOUN
ejif-8706	270	20	with	with	ADP
ejif-8706	270	21	the	the	DET
ejif-8706	270	22	banks	bank	NOUN
ejif-8706	270	23	.	.	PUNCT
ejif-8706	271	1	to	to	PART
ejif-8706	271	2	address	address	VERB
ejif-8706	271	3	this	this	DET
ejif-8706	271	4	problem	problem	NOUN
ejif-8706	271	5	,	,	PUNCT
ejif-8706	271	6	the	the	DET
ejif-8706	271	7	banks	bank	NOUN
ejif-8706	271	8	should	should	AUX
ejif-8706	271	9	promote	promote	VERB
ejif-8706	271	10	increased	increase	VERB
ejif-8706	271	11	awareness	awareness	NOUN
ejif-8706	271	12	through	through	ADP
ejif-8706	271	13	campaigns	campaign	NOUN
ejif-8706	271	14	to	to	PART
ejif-8706	271	15	strengthen	strengthen	VERB
ejif-8706	271	16	the	the	DET
ejif-8706	271	17	value	value	NOUN
ejif-8706	271	18	proposition	proposition	NOUN
ejif-8706	271	19	of	of	ADP
ejif-8706	271	20	islamic	islamic	ADJ
ejif-8706	271	21	banking	banking	NOUN
ejif-8706	271	22	,	,	PUNCT
ejif-8706	271	23	emphasising	emphasise	VERB
ejif-8706	271	24	not	not	PART
ejif-8706	271	25	just	just	ADV
ejif-8706	271	26	profitability	profitability	NOUN
ejif-8706	271	27	but	but	CCONJ
ejif-8706	271	28	also	also	ADV
ejif-8706	271	29	ethical	ethical	ADJ
ejif-8706	271	30	and	and	CCONJ
ejif-8706	271	31	religious	religious	ADJ
ejif-8706	271	32	values	value	NOUN
ejif-8706	271	33	that	that	PRON
ejif-8706	271	34	appeal	appeal	VERB
ejif-8706	271	35	to	to	ADP
ejif-8706	271	36	the	the	DET
ejif-8706	271	37	inelastic	inelastic	ADJ
ejif-8706	271	38	,	,	PUNCT
ejif-8706	271	39	religiously	religiously	ADV
ejif-8706	271	40	inclined	incline	VERB
ejif-8706	271	41	customer	customer	NOUN
ejif-8706	271	42	base	base	NOUN
ejif-8706	271	43	.	.	PUNCT
ejif-8706	272	1	scaling	scale	VERB
ejif-8706	272	2	-	-	PUNCT
ejif-8706	272	3	up	up	ADP
ejif-8706	272	4	efforts	effort	NOUN
ejif-8706	272	5	to	to	PART
ejif-8706	272	6	expand	expand	VERB
ejif-8706	272	7	their	their	PRON
ejif-8706	272	8	customer	customer	NOUN
ejif-8706	272	9	base	base	NOUN
ejif-8706	272	10	among	among	ADP
ejif-8706	272	11	religiously	religiously	ADV
ejif-8706	272	12	conscious	conscious	ADJ
ejif-8706	272	13	adherents	adherent	NOUN
ejif-8706	272	14	of	of	ADP
ejif-8706	272	15	the	the	DET
ejif-8706	272	16	islamic	islamic	ADJ
ejif-8706	272	17	faith	faith	NOUN
ejif-8706	272	18	may	may	AUX
ejif-8706	272	19	help	help	VERB
ejif-8706	272	20	neutralise	neutralise	VERB
ejif-8706	272	21	the	the	DET
ejif-8706	272	22	influence	influence	NOUN
ejif-8706	272	23	of	of	ADP
ejif-8706	272	24	profit	profit	NOUN
ejif-8706	272	25	-	-	PUNCT
ejif-8706	272	26	driven	drive	VERB
ejif-8706	272	27	customers	customer	NOUN
ejif-8706	272	28	,	,	PUNCT
ejif-8706	272	29	whose	whose	DET
ejif-8706	272	30	activities	activity	NOUN
ejif-8706	272	31	tend	tend	VERB
ejif-8706	272	32	to	to	PART
ejif-8706	272	33	put	put	VERB
ejif-8706	272	34	the	the	DET
ejif-8706	272	35	islamic	islamic	ADJ
ejif-8706	272	36	banks	bank	NOUN
ejif-8706	272	37	'	'	PART
ejif-8706	272	38	operations	operation	NOUN
ejif-8706	272	39	under	under	ADP
ejif-8706	272	40	intense	intense	ADJ
ejif-8706	272	41	pressure	pressure	NOUN
ejif-8706	272	42	.	.	PUNCT
ejif-8706	273	1	it	it	PRON
ejif-8706	273	2	may	may	AUX
ejif-8706	273	3	also	also	ADV
ejif-8706	273	4	be	be	AUX
ejif-8706	273	5	helpful	helpful	ADJ
ejif-8706	273	6	for	for	SCONJ
ejif-8706	273	7	islamic	islamic	ADJ
ejif-8706	273	8	banks	bank	NOUN
ejif-8706	273	9	in	in	ADP
ejif-8706	273	10	the	the	DET
ejif-8706	273	11	uk	uk	PROPN
ejif-8706	273	12	to	to	PART
ejif-8706	273	13	develop	develop	VERB
ejif-8706	273	14	strategic	strategic	ADJ
ejif-8706	273	15	customer	customer	NOUN
ejif-8706	273	16	segmentation	segmentation	NOUN
ejif-8706	273	17	approaches	approach	NOUN
ejif-8706	273	18	,	,	PUNCT
ejif-8706	273	19	making	make	VERB
ejif-8706	273	20	it	it	PRON
ejif-8706	273	21	possible	possible	ADJ
ejif-8706	273	22	for	for	SCONJ
ejif-8706	273	23	them	they	PRON
ejif-8706	273	24	to	to	PART
ejif-8706	273	25	,	,	PUNCT
ejif-8706	273	26	for	for	ADP
ejif-8706	273	27	instance	instance	NOUN
ejif-8706	273	28	,	,	PUNCT
ejif-8706	273	29	offer	offer	VERB
ejif-8706	273	30	competitive	competitive	ADJ
ejif-8706	273	31	islamic	islamic	ADJ
ejif-8706	273	32	investment	investment	NOUN
ejif-8706	273	33	products	product	NOUN
ejif-8706	273	34	with	with	ADP
ejif-8706	273	35	attractive	attractive	ADJ
ejif-8706	273	36	risk	risk	NOUN
ejif-8706	273	37	-	-	PUNCT
ejif-8706	273	38	adjusted	adjust	VERB
ejif-8706	273	39	returns	return	NOUN
ejif-8706	273	40	that	that	PRON
ejif-8706	273	41	match	match	VERB
ejif-8706	273	42	conventional	conventional	ADJ
ejif-8706	273	43	products	product	NOUN
ejif-8706	273	44	.	.	PUNCT
ejif-8706	274	1	our	our	PRON
ejif-8706	274	2	findings	finding	NOUN
ejif-8706	274	3	also	also	ADV
ejif-8706	274	4	have	have	VERB
ejif-8706	274	5	significant	significant	ADJ
ejif-8706	274	6	policy	policy	NOUN
ejif-8706	274	7	implications	implication	NOUN
ejif-8706	274	8	for	for	ADP
ejif-8706	274	9	regulators	regulator	NOUN
ejif-8706	274	10	and	and	CCONJ
ejif-8706	274	11	other	other	ADJ
ejif-8706	274	12	stakeholders	stakeholder	NOUN
ejif-8706	274	13	in	in	ADP
ejif-8706	274	14	the	the	DET
ejif-8706	274	15	uk	uk	PROPN
ejif-8706	274	16	financial	financial	ADJ
ejif-8706	274	17	system	system	NOUN
ejif-8706	274	18	.	.	PUNCT
ejif-8706	275	1	for	for	ADP
ejif-8706	275	2	example	example	NOUN
ejif-8706	275	3	,	,	PUNCT
ejif-8706	275	4	islamic	islamic	ADJ
ejif-8706	275	5	banks	bank	NOUN
ejif-8706	275	6	could	could	AUX
ejif-8706	275	7	be	be	AUX
ejif-8706	275	8	incentivised	incentivise	VERB
ejif-8706	275	9	to	to	PART
ejif-8706	275	10	explore	explore	VERB
ejif-8706	275	11	alternative	alternative	ADJ
ejif-8706	275	12	funding	funding	NOUN
ejif-8706	275	13	sources	source	NOUN
ejif-8706	275	14	,	,	PUNCT
ejif-8706	275	15	such	such	ADJ
ejif-8706	275	16	as	as	ADP
ejif-8706	275	17	sukuk	sukuk	NOUN
ejif-8706	275	18	or	or	CCONJ
ejif-8706	275	19	other	other	ADJ
ejif-8706	275	20	forms	form	NOUN
ejif-8706	275	21	of	of	ADP
ejif-8706	275	22	equitybased	equitybase	VERB
ejif-8706	275	23	financing	financing	NOUN
ejif-8706	275	24	,	,	PUNCT
ejif-8706	275	25	thereby	thereby	ADV
ejif-8706	275	26	reducing	reduce	VERB
ejif-8706	275	27	their	their	PRON
ejif-8706	275	28	reliance	reliance	NOUN
ejif-8706	275	29	on	on	ADP
ejif-8706	275	30	customers	customer	NOUN
ejif-8706	275	31	'	'	PART
ejif-8706	275	32	deposits	deposit	NOUN
ejif-8706	275	33	,	,	PUNCT
ejif-8706	275	34	which	which	PRON
ejif-8706	275	35	is	be	AUX
ejif-8706	275	36	often	often	ADV
ejif-8706	275	37	volatile	volatile	ADJ
ejif-8706	275	38	.	.	PUNCT
ejif-8706	276	1	the	the	DET
ejif-8706	276	2	bank	bank	PROPN
ejif-8706	276	3	of	of	ADP
ejif-8706	276	4	england	england	PROPN
ejif-8706	276	5	may	may	AUX
ejif-8706	276	6	also	also	ADV
ejif-8706	276	7	consider	consider	VERB
ejif-8706	276	8	islamic	islamic	ADJ
ejif-8706	276	9	liquidity	liquidity	NOUN
ejif-8706	276	10	management	management	NOUN
ejif-8706	276	11	tools	tool	NOUN
ejif-8706	276	12	to	to	PART
ejif-8706	276	13	enforce	enforce	VERB
ejif-8706	276	14	compliance	compliance	NOUN
ejif-8706	276	15	.	.	PUNCT
ejif-8706	277	1	additionally	additionally	ADV
ejif-8706	277	2	,	,	PUNCT
ejif-8706	277	3	in	in	ADP
ejif-8706	277	4	recognition	recognition	NOUN
ejif-8706	277	5	of	of	ADP
ejif-8706	277	6	the	the	DET
ejif-8706	277	7	vulnerabilities	vulnerability	NOUN
ejif-8706	277	8	islamic	islamic	ADJ
ejif-8706	277	9	banks	bank	NOUN
ejif-8706	277	10	face	face	VERB
ejif-8706	277	11	during	during	ADP
ejif-8706	277	12	periods	period	NOUN
ejif-8706	277	13	of	of	ADP
ejif-8706	277	14	monetary	monetary	ADJ
ejif-8706	277	15	tightening	tightening	NOUN
ejif-8706	277	16	,	,	PUNCT
ejif-8706	277	17	regulatory	regulatory	ADJ
ejif-8706	277	18	authorities	authority	NOUN
ejif-8706	277	19	should	should	AUX
ejif-8706	277	20	consider	consider	VERB
ejif-8706	277	21	implementing	implement	VERB
ejif-8706	277	22	stress	stress	NOUN
ejif-8706	277	23	tests	test	NOUN
ejif-8706	277	24	specific	specific	ADJ
ejif-8706	277	25	to	to	ADP
ejif-8706	277	26	interest	interest	NOUN
ejif-8706	277	27	rate	rate	NOUN
ejif-8706	277	28	shocks	shock	NOUN
ejif-8706	277	29	.	.	PUNCT
ejif-8706	278	1	a	a	DET
ejif-8706	278	2	framework	framework	NOUN
ejif-8706	278	3	that	that	PRON
ejif-8706	278	4	will	will	AUX
ejif-8706	278	5	compel	compel	VERB
ejif-8706	278	6	islamic	islamic	ADJ
ejif-8706	278	7	banks	bank	NOUN
ejif-8706	278	8	to	to	PART
ejif-8706	278	9	devote	devote	VERB
ejif-8706	278	10	a	a	DET
ejif-8706	278	11	sizeable	sizeable	ADJ
ejif-8706	278	12	percentage	percentage	NOUN
ejif-8706	278	13	of	of	ADP
ejif-8706	278	14	their	their	PRON
ejif-8706	278	15	funds	fund	NOUN
ejif-8706	278	16	to	to	ADP
ejif-8706	278	17	participatory	participatory	ADJ
ejif-8706	278	18	financing	financing	NOUN
ejif-8706	278	19	,	,	PUNCT
ejif-8706	278	20	with	with	ADP
ejif-8706	278	21	the	the	DET
ejif-8706	278	22	return	return	NOUN
ejif-8706	278	23	strictly	strictly	ADV
ejif-8706	278	24	tied	tie	VERB
ejif-8706	278	25	to	to	ADP
ejif-8706	278	26	the	the	DET
ejif-8706	278	27	performance	performance	NOUN
ejif-8706	278	28	of	of	ADP
ejif-8706	278	29	underlying	underlie	VERB
ejif-8706	278	30	investments	investment	NOUN
ejif-8706	278	31	rather	rather	ADV
ejif-8706	278	32	than	than	ADP
ejif-8706	278	33	some	some	DET
ejif-8706	278	34	conventional	conventional	ADJ
ejif-8706	278	35	rates	rate	NOUN
ejif-8706	278	36	,	,	PUNCT
ejif-8706	278	37	can	can	AUX
ejif-8706	278	38	european	european	PROPN
ejif-8706	278	39	journal	journal	PROPN
ejif-8706	278	40	of	of	ADP
ejif-8706	278	41	islamic	islamic	PROPN
ejif-8706	278	42	finance	finance	PROPN
ejif-8706	278	43	issn	issn	PROPN
ejif-8706	278	44	:	:	PUNCT
ejif-8706	278	45	2421	2421	NUM
ejif-8706	278	46	-	-	SYM
ejif-8706	278	47	2172	2172	NUM
ejif-8706	278	48	doi	doi	NOUN
ejif-8706	278	49	:	:	PUNCT
ejif-8706	278	50	10.13135/2421	10.13135/2421	NUM
ejif-8706	278	51	-	-	SYM
ejif-8706	278	52	2172/8706	2172/8706	NUM
ejif-8706	278	53	published	publish	VERB
ejif-8706	278	54	by	by	ADP
ejif-8706	278	55	university	university	PROPN
ejif-8706	278	56	of	of	ADP
ejif-8706	278	57	turin	turin	PROPN
ejif-8706	279	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	279	2	ejif	ejif	PROPN
ejif-8706	279	3	content	content	NOUN
ejif-8706	279	4	is	be	AUX
ejif-8706	279	5	licensed	license	VERB
ejif-8706	279	6	under	under	ADP
ejif-8706	279	7	a	a	DET
ejif-8706	279	8	creative	creative	ADJ
ejif-8706	279	9	commons	common	NOUN
ejif-8706	279	10	attribution	attribution	NOUN
ejif-8706	279	11	4.0	4.0	NUM
ejif-8706	279	12	international	international	ADJ
ejif-8706	279	13	license	license	NOUN
ejif-8706	279	14	59	59	NUM
ejif-8706	279	15	also	also	ADV
ejif-8706	279	16	help	help	VERB
ejif-8706	279	17	reduce	reduce	VERB
ejif-8706	279	18	the	the	DET
ejif-8706	279	19	influence	influence	NOUN
ejif-8706	279	20	of	of	ADP
ejif-8706	279	21	interest	interest	NOUN
ejif-8706	279	22	rates	rate	NOUN
ejif-8706	279	23	on	on	ADP
ejif-8706	279	24	islamic	islamic	ADJ
ejif-8706	279	25	banks	bank	NOUN
ejif-8706	279	26	'	'	PART
ejif-8706	279	27	operations	operation	NOUN
ejif-8706	279	28	.	.	PUNCT
ejif-8706	280	1	also	also	ADV
ejif-8706	280	2	,	,	PUNCT
ejif-8706	280	3	governments	government	NOUN
ejif-8706	280	4	and	and	CCONJ
ejif-8706	280	5	regulators	regulator	NOUN
ejif-8706	280	6	should	should	AUX
ejif-8706	280	7	consider	consider	VERB
ejif-8706	280	8	providing	provide	VERB
ejif-8706	280	9	tax	tax	NOUN
ejif-8706	280	10	incentives	incentive	NOUN
ejif-8706	280	11	for	for	ADP
ejif-8706	280	12	customers	customer	NOUN
ejif-8706	280	13	who	who	PRON
ejif-8706	280	14	remain	remain	VERB
ejif-8706	280	15	with	with	ADP
ejif-8706	280	16	islamic	islamic	ADJ
ejif-8706	280	17	banks	bank	NOUN
ejif-8706	280	18	during	during	ADP
ejif-8706	280	19	periods	period	NOUN
ejif-8706	280	20	of	of	ADP
ejif-8706	280	21	high	high	ADJ
ejif-8706	280	22	interest	interest	NOUN
ejif-8706	280	23	rates	rate	NOUN
ejif-8706	280	24	to	to	PART
ejif-8706	280	25	ensure	ensure	VERB
ejif-8706	280	26	the	the	DET
ejif-8706	280	27	stability	stability	NOUN
ejif-8706	280	28	of	of	ADP
ejif-8706	280	29	the	the	DET
ejif-8706	280	30	fragile	fragile	ADJ
ejif-8706	280	31	islamic	islamic	ADJ
ejif-8706	280	32	banking	banking	NOUN
ejif-8706	280	33	sector	sector	NOUN
ejif-8706	280	34	.	.	PUNCT
ejif-8706	281	1	finally	finally	ADV
ejif-8706	281	2	,	,	PUNCT
ejif-8706	281	3	the	the	DET
ejif-8706	281	4	result	result	NOUN
ejif-8706	281	5	of	of	ADP
ejif-8706	281	6	our	our	PRON
ejif-8706	281	7	analysis	analysis	NOUN
ejif-8706	281	8	may	may	AUX
ejif-8706	281	9	have	have	AUX
ejif-8706	281	10	been	be	AUX
ejif-8706	281	11	limited	limit	VERB
ejif-8706	281	12	by	by	ADP
ejif-8706	281	13	the	the	DET
ejif-8706	281	14	use	use	NOUN
ejif-8706	281	15	of	of	ADP
ejif-8706	281	16	annual	annual	ADJ
ejif-8706	281	17	data	datum	NOUN
ejif-8706	281	18	rather	rather	ADV
ejif-8706	281	19	than	than	ADP
ejif-8706	281	20	monthly	monthly	ADJ
ejif-8706	281	21	panel	panel	NOUN
ejif-8706	281	22	data	datum	NOUN
ejif-8706	281	23	,	,	PUNCT
ejif-8706	281	24	which	which	PRON
ejif-8706	281	25	could	could	AUX
ejif-8706	281	26	have	have	AUX
ejif-8706	281	27	given	give	VERB
ejif-8706	281	28	a	a	DET
ejif-8706	281	29	better	well	ADJ
ejif-8706	281	30	picture	picture	NOUN
ejif-8706	281	31	of	of	ADP
ejif-8706	281	32	the	the	DET
ejif-8706	281	33	relationship	relationship	NOUN
ejif-8706	281	34	between	between	ADP
ejif-8706	281	35	the	the	DET
ejif-8706	281	36	dependent	dependent	ADJ
ejif-8706	281	37	variable	variable	NOUN
ejif-8706	281	38	and	and	CCONJ
ejif-8706	281	39	the	the	DET
ejif-8706	281	40	explanatory	explanatory	ADJ
ejif-8706	281	41	variables	variable	NOUN
ejif-8706	281	42	.	.	PUNCT
ejif-8706	282	1	it	it	PRON
ejif-8706	282	2	is	be	AUX
ejif-8706	282	3	hoped	hope	VERB
ejif-8706	282	4	that	that	SCONJ
ejif-8706	282	5	future	future	ADJ
ejif-8706	282	6	studies	study	NOUN
ejif-8706	282	7	can	can	AUX
ejif-8706	282	8	use	use	VERB
ejif-8706	282	9	higher	high	ADJ
ejif-8706	282	10	-	-	PUNCT
ejif-8706	282	11	frequency	frequency	NOUN
ejif-8706	282	12	data	datum	NOUN
ejif-8706	282	13	for	for	ADP
ejif-8706	282	14	better	well	ADJ
ejif-8706	282	15	analysis	analysis	NOUN
ejif-8706	282	16	and	and	CCONJ
ejif-8706	282	17	results	result	NOUN
ejif-8706	282	18	.	.	PUNCT
ejif-8706	283	1	references	reference	NOUN
ejif-8706	283	2	abdurraheem	abdurraheem	NOUN
ejif-8706	283	3	,	,	PUNCT
ejif-8706	283	4	a.	a.	PROPN
ejif-8706	283	5	,	,	PUNCT
ejif-8706	283	6	&	&	CCONJ
ejif-8706	283	7	mohamed	mohamed	PROPN
ejif-8706	283	8	naim	naim	PROPN
ejif-8706	283	9	,	,	PUNCT
ejif-8706	283	10	a.	a.	NOUN
ejif-8706	283	11	(	(	PUNCT
ejif-8706	283	12	2016	2016	NUM
ejif-8706	283	13	)	)	PUNCT
ejif-8706	283	14	.	.	PUNCT
ejif-8706	284	1	the	the	DET
ejif-8706	284	2	nexus	nexus	NOUN
ejif-8706	284	3	between	between	ADP
ejif-8706	284	4	rates	rate	NOUN
ejif-8706	284	5	of	of	ADP
ejif-8706	284	6	return	return	NOUN
ejif-8706	284	7	on	on	ADP
ejif-8706	284	8	deposits	deposit	NOUN
ejif-8706	284	9	of	of	ADP
ejif-8706	284	10	islamic	islamic	ADJ
ejif-8706	284	11	banks	bank	NOUN
ejif-8706	284	12	and	and	CCONJ
ejif-8706	284	13	interest	interest	NOUN
ejif-8706	284	14	rates	rate	NOUN
ejif-8706	284	15	on	on	ADP
ejif-8706	284	16	deposits	deposit	NOUN
ejif-8706	284	17	of	of	ADP
ejif-8706	284	18	conventional	conventional	ADJ
ejif-8706	284	19	banks	bank	NOUN
ejif-8706	284	20	in	in	ADP
ejif-8706	284	21	a	a	DET
ejif-8706	284	22	dual	dual	ADJ
ejif-8706	284	23	banking	banking	NOUN
ejif-8706	284	24	system	system	NOUN
ejif-8706	284	25	:	:	PUNCT
ejif-8706	284	26	a	a	DET
ejif-8706	284	27	cross	cross	ADJ
ejif-8706	284	28	country	country	NOUN
ejif-8706	284	29	study	study	NOUN
ejif-8706	284	30	.	.	PUNCT
ejif-8706	285	1	international	international	ADJ
ejif-8706	285	2	journal	journal	PROPN
ejif-8706	285	3	of	of	ADP
ejif-8706	285	4	economics	economic	NOUN
ejif-8706	285	5	and	and	CCONJ
ejif-8706	285	6	financial	financial	ADJ
ejif-8706	285	7	issues	issue	NOUN
ejif-8706	285	8	,	,	PUNCT
ejif-8706	285	9	6	6	NUM
ejif-8706	285	10	,	,	PUNCT
ejif-8706	285	11	111–117	111–117	NUM
ejif-8706	285	12	.	.	PUNCT
ejif-8706	286	1	ahmed	ahmed	PROPN
ejif-8706	286	2	,	,	PUNCT
ejif-8706	286	3	e.	e.	PROPN
ejif-8706	286	4	,	,	PUNCT
ejif-8706	286	5	islam	islam	PROPN
ejif-8706	286	6	,	,	PUNCT
ejif-8706	286	7	md	md	PROPN
ejif-8706	286	8	.	.	PROPN
ejif-8706	286	9	a.	a.	PROPN
ejif-8706	286	10	,	,	PUNCT
ejif-8706	286	11	alabdullah	alabdullah	PROPN
ejif-8706	286	12	,	,	PUNCT
ejif-8706	286	13	t.	t.	PROPN
ejif-8706	286	14	,	,	PUNCT
ejif-8706	286	15	alabdullah	alabdullah	PROPN
ejif-8706	286	16	,	,	PUNCT
ejif-8706	286	17	y.	y.	PROPN
ejif-8706	286	18	,	,	PUNCT
ejif-8706	286	19	&	&	CCONJ
ejif-8706	286	20	amran	amran	PROPN
ejif-8706	286	21	,	,	PUNCT
ejif-8706	286	22	a.	a.	NOUN
ejif-8706	286	23	(	(	PUNCT
ejif-8706	286	24	2018	2018	NUM
ejif-8706	286	25	)	)	PUNCT
ejif-8706	286	26	.	.	PUNCT
ejif-8706	286	27	proposed	propose	VERB
ejif-8706	286	28	the	the	DET
ejif-8706	286	29	pricing	pricing	NOUN
ejif-8706	286	30	model	model	NOUN
ejif-8706	286	31	as	as	ADP
ejif-8706	286	32	an	an	DET
ejif-8706	286	33	alternative	alternative	ADJ
ejif-8706	286	34	islamic	islamic	ADJ
ejif-8706	286	35	benchmark	benchmark	NOUN
ejif-8706	286	36	.	.	PUNCT
ejif-8706	287	1	benchmarking	benchmarke	VERB
ejif-8706	287	2	an	an	DET
ejif-8706	287	3	international	international	ADJ
ejif-8706	287	4	journal	journal	NOUN
ejif-8706	287	5	,	,	PUNCT
ejif-8706	287	6	25	25	NUM
ejif-8706	287	7	,	,	PUNCT
ejif-8706	287	8	2892–2912	2892–2912	NUM
ejif-8706	287	9	.	.	PUNCT
ejif-8706	288	1	https://doi.org/10.1108/bij-04-20170077	https://doi.org/10.1108/bij-04-20170077	PROPN
ejif-8706	288	2	akhatova	akhatova	PROPN
ejif-8706	288	3	,	,	PUNCT
ejif-8706	288	4	m.	m.	NOUN
ejif-8706	288	5	,	,	PUNCT
ejif-8706	288	6	zainal	zainal	NOUN
ejif-8706	288	7	,	,	PUNCT
ejif-8706	288	8	m.	m.	NOUN
ejif-8706	288	9	p.	p.	PROPN
ejif-8706	288	10	,	,	PUNCT
ejif-8706	288	11	&	&	CCONJ
ejif-8706	288	12	ibrahim	ibrahim	PROPN
ejif-8706	288	13	,	,	PUNCT
ejif-8706	288	14	m.	m.	PROPN
ejif-8706	288	15	h.	h.	PROPN
ejif-8706	288	16	(	(	PUNCT
ejif-8706	288	17	2016	2016	NUM
ejif-8706	288	18	)	)	PUNCT
ejif-8706	288	19	.	.	PUNCT
ejif-8706	289	1	banking	banking	NOUN
ejif-8706	289	2	models	model	NOUN
ejif-8706	289	3	and	and	CCONJ
ejif-8706	289	4	monetary	monetary	ADJ
ejif-8706	289	5	transmission	transmission	NOUN
ejif-8706	289	6	mechanisms	mechanism	NOUN
ejif-8706	289	7	in	in	ADP
ejif-8706	289	8	malaysia	malaysia	PROPN
ejif-8706	289	9	:	:	PUNCT
ejif-8706	289	10	are	be	AUX
ejif-8706	289	11	islamic	islamic	ADJ
ejif-8706	289	12	banks	bank	NOUN
ejif-8706	289	13	different	different	ADJ
ejif-8706	289	14	?	?	PUNCT
ejif-8706	290	1	economic	economic	ADJ
ejif-8706	290	2	papers	paper	NOUN
ejif-8706	290	3	:	:	PUNCT
ejif-8706	290	4	a	a	DET
ejif-8706	290	5	journal	journal	NOUN
ejif-8706	290	6	of	of	ADP
ejif-8706	290	7	applied	apply	VERB
ejif-8706	290	8	economics	economic	NOUN
ejif-8706	290	9	and	and	CCONJ
ejif-8706	290	10	policy	policy	NOUN
ejif-8706	290	11	,	,	PUNCT
ejif-8706	290	12	35(2	35(2	NUM
ejif-8706	290	13	)	)	PUNCT
ejif-8706	290	14	,	,	PUNCT
ejif-8706	290	15	169–183	169–183	NUM
ejif-8706	290	16	.	.	PUNCT
ejif-8706	291	1	https://doi.org/10.1111/1759-3441.12131	https://doi.org/10.1111/1759-3441.12131	PROPN
ejif-8706	291	2	alaabed	alaabe	VERB
ejif-8706	291	3	,	,	PUNCT
ejif-8706	291	4	a.	a.	PROPN
ejif-8706	291	5	,	,	PUNCT
ejif-8706	291	6	&	&	CCONJ
ejif-8706	291	7	masih	masih	PROPN
ejif-8706	291	8	,	,	PUNCT
ejif-8706	291	9	m.	m.	NOUN
ejif-8706	291	10	(	(	PUNCT
ejif-8706	291	11	2016	2016	NUM
ejif-8706	291	12	)	)	PUNCT
ejif-8706	291	13	.	.	PUNCT
ejif-8706	292	1	finance	finance	NOUN
ejif-8706	292	2	-	-	PUNCT
ejif-8706	292	3	growth	growth	NOUN
ejif-8706	292	4	nexus	nexus	NOUN
ejif-8706	292	5	:	:	PUNCT
ejif-8706	292	6	insights	insight	NOUN
ejif-8706	292	7	from	from	ADP
ejif-8706	292	8	an	an	DET
ejif-8706	292	9	application	application	NOUN
ejif-8706	292	10	of	of	ADP
ejif-8706	292	11	threshold	threshold	NOUN
ejif-8706	292	12	regression	regression	NOUN
ejif-8706	292	13	model	model	NOUN
ejif-8706	292	14	to	to	ADP
ejif-8706	292	15	malaysia	malaysia	PROPN
ejif-8706	292	16	's	's	PART
ejif-8706	292	17	dual	dual	ADJ
ejif-8706	292	18	financial	financial	ADJ
ejif-8706	292	19	system	system	NOUN
ejif-8706	292	20	.	.	PUNCT
ejif-8706	293	1	borsa	borsa	PROPN
ejif-8706	293	2	istanbul	istanbul	PROPN
ejif-8706	293	3	review	review	PROPN
ejif-8706	293	4	,	,	PUNCT
ejif-8706	293	5	16(2	16(2	NUM
ejif-8706	293	6	)	)	PUNCT
ejif-8706	293	7	,	,	PUNCT
ejif-8706	293	8	63–71	63–71	NOUN
ejif-8706	293	9	.	.	PUNCT
ejif-8706	294	1	https://doi.org/10.1016/j.bir.2016.01.004	https://doi.org/10.1016/j.bir.2016.01.004	PROPN
ejif-8706	294	2	ali	ali	PROPN
ejif-8706	294	3	,	,	PUNCT
ejif-8706	294	4	a.	a.	NOUN
ejif-8706	294	5	o.	o.	PROPN
ejif-8706	294	6	(	(	PUNCT
ejif-8706	294	7	2021	2021	NUM
ejif-8706	294	8	)	)	PUNCT
ejif-8706	294	9	.	.	PUNCT
ejif-8706	295	1	impact	impact	NOUN
ejif-8706	295	2	of	of	ADP
ejif-8706	295	3	monetary	monetary	ADJ
ejif-8706	295	4	policy	policy	NOUN
ejif-8706	295	5	fluctuations	fluctuation	NOUN
ejif-8706	295	6	on	on	ADP
ejif-8706	295	7	conventional	conventional	ADJ
ejif-8706	295	8	and	and	CCONJ
ejif-8706	295	9	islamic	islamic	ADJ
ejif-8706	295	10	banks	bank	NOUN
ejif-8706	295	11	in	in	ADP
ejif-8706	295	12	malaysia	malaysia	PROPN
ejif-8706	295	13	:	:	PUNCT
ejif-8706	295	14	evidence	evidence	NOUN
ejif-8706	295	15	from	from	ADP
ejif-8706	295	16	ardl	ardl	NOUN
ejif-8706	295	17	approach	approach	NOUN
ejif-8706	295	18	.	.	PUNCT
ejif-8706	296	1	international	international	ADJ
ejif-8706	296	2	journal	journal	PROPN
ejif-8706	296	3	of	of	ADP
ejif-8706	296	4	economics	economic	NOUN
ejif-8706	296	5	and	and	CCONJ
ejif-8706	296	6	financial	financial	ADJ
ejif-8706	296	7	issues	issue	NOUN
ejif-8706	296	8	,	,	PUNCT
ejif-8706	296	9	11(1	11(1	NUM
ejif-8706	296	10	)	)	PUNCT
ejif-8706	296	11	,	,	PUNCT
ejif-8706	296	12	101–108	101–108	NUM
ejif-8706	296	13	.	.	PUNCT
ejif-8706	297	1	https://doi.org/10.32479/ijefi.9210	https://doi.org/10.32479/ijefi.9210	PROPN
ejif-8706	297	2	ali	ali	PROPN
ejif-8706	297	3	,	,	PUNCT
ejif-8706	297	4	m.	m.	PROPN
ejif-8706	297	5	h.	h.	PROPN
ejif-8706	297	6	,	,	PUNCT
ejif-8706	297	7	abdul	abdul	PROPN
ejif-8706	297	8	rahim	rahim	PROPN
ejif-8706	297	9	,	,	PUNCT
ejif-8706	297	10	n.	n.	NOUN
ejif-8706	297	11	,	,	PUNCT
ejif-8706	297	12	&	&	CCONJ
ejif-8706	297	13	dato	dato	PROPN
ejif-8706	297	14	hj	hj	PROPN
ejif-8706	297	15	.	.	PUNCT
ejif-8706	297	16	yahya	yahya	PROPN
ejif-8706	297	17	,	,	PUNCT
ejif-8706	297	18	m.	m.	NOUN
ejif-8706	297	19	h.	h.	PROPN
ejif-8706	297	20	(	(	PUNCT
ejif-8706	297	21	2020	2020	NUM
ejif-8706	297	22	)	)	PUNCT
ejif-8706	297	23	.	.	PUNCT
ejif-8706	298	1	how	how	SCONJ
ejif-8706	298	2	do	do	AUX
ejif-8706	298	3	interest	interest	NOUN
ejif-8706	298	4	rate	rate	NOUN
ejif-8706	298	5	changes	change	NOUN
ejif-8706	298	6	affect	affect	VERB
ejif-8706	298	7	islamic	islamic	ADJ
ejif-8706	298	8	banks	bank	NOUN
ejif-8706	298	9	?	?	PUNCT
ejif-8706	299	1	empirical	empirical	ADJ
ejif-8706	299	2	evidence	evidence	NOUN
ejif-8706	299	3	on	on	ADP
ejif-8706	299	4	islamic	islamic	ADJ
ejif-8706	299	5	banks	bank	NOUN
ejif-8706	299	6	in	in	ADP
ejif-8706	299	7	malaysia	malaysia	PROPN
ejif-8706	299	8	.	.	PUNCT
ejif-8706	300	1	ipn	ipn	PROPN
ejif-8706	300	2	journal	journal	PROPN
ejif-8706	300	3	of	of	ADP
ejif-8706	300	4	research	research	NOUN
ejif-8706	300	5	and	and	CCONJ
ejif-8706	300	6	practice	practice	NOUN
ejif-8706	300	7	in	in	ADP
ejif-8706	300	8	public	public	ADJ
ejif-8706	300	9	sector	sector	NOUN
ejif-8706	300	10	accounting	accounting	NOUN
ejif-8706	300	11	and	and	CCONJ
ejif-8706	300	12	management	management	NOUN
ejif-8706	300	13	,	,	PUNCT
ejif-8706	300	14	10(01	10(01	NUM
ejif-8706	300	15	)	)	PUNCT
ejif-8706	300	16	,	,	PUNCT
ejif-8706	300	17	97–115	97–115	NUM
ejif-8706	300	18	.	.	PUNCT
ejif-8706	301	1	https://doi.org/10.58458/ipnj.v10.01.06.0066	https://doi.org/10.58458/ipnj.v10.01.06.0066	PROPN
ejif-8706	301	2	al	al	PROPN
ejif-8706	301	3	-	-	PUNCT
ejif-8706	301	4	jarhi	jarhi	PROPN
ejif-8706	301	5	,	,	PUNCT
ejif-8706	301	6	m.	m.	NOUN
ejif-8706	301	7	a.	a.	NOUN
ejif-8706	301	8	(	(	PUNCT
ejif-8706	301	9	2017	2017	NUM
ejif-8706	301	10	)	)	PUNCT
ejif-8706	301	11	.	.	PUNCT
ejif-8706	302	1	an	an	DET
ejif-8706	302	2	economic	economic	ADJ
ejif-8706	302	3	theory	theory	NOUN
ejif-8706	302	4	of	of	ADP
ejif-8706	302	5	islamic	islamic	ADJ
ejif-8706	302	6	finance	finance	PROPN
ejif-8706	302	7	.	.	PUNCT
ejif-8706	303	1	isra	isra	PROPN
ejif-8706	303	2	international	international	PROPN
ejif-8706	303	3	journal	journal	PROPN
ejif-8706	303	4	of	of	ADP
ejif-8706	303	5	islamic	islamic	PROPN
ejif-8706	303	6	finance	finance	NOUN
ejif-8706	303	7	,	,	PUNCT
ejif-8706	303	8	9(2	9(2	NUM
ejif-8706	303	9	)	)	PUNCT
ejif-8706	303	10	,	,	PUNCT
ejif-8706	303	11	117–132	117–132	NUM
ejif-8706	303	12	.	.	PUNCT
ejif-8706	304	1	https://doi.org/10.1108/ijif-07-2017-0007	https://doi.org/10.1108/ijif-07-2017-0007	PROPN
ejif-8706	304	2	anuar	anuar	PROPN
ejif-8706	304	3	,	,	PUNCT
ejif-8706	304	4	k.	k.	PROPN
ejif-8706	304	5	,	,	PUNCT
ejif-8706	304	6	mohamad	mohamad	PROPN
ejif-8706	304	7	,	,	PUNCT
ejif-8706	304	8	s.	s.	PROPN
ejif-8706	304	9	,	,	PUNCT
ejif-8706	304	10	&	&	CCONJ
ejif-8706	304	11	shah	shah	PROPN
ejif-8706	304	12	,	,	PUNCT
ejif-8706	304	13	m.	m.	NOUN
ejif-8706	304	14	(	(	PUNCT
ejif-8706	304	15	2014	2014	NUM
ejif-8706	304	16	)	)	PUNCT
ejif-8706	304	17	.	.	PUNCT
ejif-8706	305	1	are	be	AUX
ejif-8706	305	2	deposit	deposit	NOUN
ejif-8706	305	3	and	and	CCONJ
ejif-8706	305	4	investment	investment	NOUN
ejif-8706	305	5	accounts	account	NOUN
ejif-8706	305	6	in	in	ADP
ejif-8706	305	7	islamic	islamic	ADJ
ejif-8706	305	8	banks	bank	NOUN
ejif-8706	305	9	in	in	ADP
ejif-8706	305	10	malaysia	malaysia	PROPN
ejif-8706	305	11	interestfree	interestfree	PROPN
ejif-8706	305	12	?	?	PUNCT
ejif-8706	306	1	(	(	PUNCT
ejif-8706	306	2	ssrn	ssrn	PROPN
ejif-8706	306	3	scholarly	scholarly	ADJ
ejif-8706	306	4	paper	paper	NOUN
ejif-8706	306	5	3066271	3066271	NUM
ejif-8706	306	6	)	)	PUNCT
ejif-8706	306	7	.	.	PUNCT
ejif-8706	307	1	https://papers.ssrn.com/abstract=3066271	https://papers.ssrn.com/abstract=3066271	PROPN
ejif-8706	307	2	european	european	PROPN
ejif-8706	307	3	journal	journal	PROPN
ejif-8706	307	4	of	of	ADP
ejif-8706	307	5	islamic	islamic	PROPN
ejif-8706	307	6	finance	finance	PROPN
ejif-8706	307	7	issn	issn	PROPN
ejif-8706	307	8	:	:	PUNCT
ejif-8706	307	9	2421	2421	NUM
ejif-8706	307	10	-	-	SYM
ejif-8706	307	11	2172	2172	NUM
ejif-8706	307	12	doi	doi	NOUN
ejif-8706	307	13	:	:	PUNCT
ejif-8706	307	14	10.13135/2421	10.13135/2421	NUM
ejif-8706	307	15	-	-	SYM
ejif-8706	307	16	2172/8706	2172/8706	NUM
ejif-8706	307	17	published	publish	VERB
ejif-8706	307	18	by	by	ADP
ejif-8706	307	19	university	university	PROPN
ejif-8706	307	20	of	of	ADP
ejif-8706	307	21	turin	turin	PROPN
ejif-8706	308	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	308	2	ejif	ejif	PROPN
ejif-8706	308	3	content	content	NOUN
ejif-8706	308	4	is	be	AUX
ejif-8706	308	5	licensed	license	VERB
ejif-8706	308	6	under	under	ADP
ejif-8706	308	7	a	a	DET
ejif-8706	308	8	creative	creative	ADJ
ejif-8706	308	9	commons	common	NOUN
ejif-8706	308	10	attribution	attribution	NOUN
ejif-8706	308	11	4.0	4.0	NUM
ejif-8706	308	12	international	international	ADJ
ejif-8706	308	13	license	license	NOUN
ejif-8706	308	14	60	60	NUM
ejif-8706	308	15	archer	archer	ADV
ejif-8706	308	16	,	,	PUNCT
ejif-8706	308	17	s.	s.	PROPN
ejif-8706	308	18	,	,	PUNCT
ejif-8706	308	19	&	&	CCONJ
ejif-8706	308	20	karim	karim	PROPN
ejif-8706	308	21	,	,	PUNCT
ejif-8706	308	22	r.	r.	PROPN
ejif-8706	308	23	(	(	PUNCT
ejif-8706	308	24	2019	2019	NUM
ejif-8706	308	25	)	)	PUNCT
ejif-8706	308	26	.	.	PUNCT
ejif-8706	309	1	when	when	SCONJ
ejif-8706	309	2	benchmark	benchmark	NOUN
ejif-8706	309	3	rates	rate	NOUN
ejif-8706	309	4	change	change	VERB
ejif-8706	309	5	:	:	PUNCT
ejif-8706	309	6	the	the	DET
ejif-8706	309	7	case	case	NOUN
ejif-8706	309	8	of	of	ADP
ejif-8706	309	9	islamic	islamic	ADJ
ejif-8706	309	10	banks	bank	NOUN
ejif-8706	309	11	.	.	PUNCT
ejif-8706	310	1	journal	journal	PROPN
ejif-8706	310	2	of	of	ADP
ejif-8706	310	3	financial	financial	ADJ
ejif-8706	310	4	regulation	regulation	NOUN
ejif-8706	310	5	and	and	CCONJ
ejif-8706	310	6	compliance	compliance	NOUN
ejif-8706	310	7	,	,	PUNCT
ejif-8706	310	8	27	27	NUM
ejif-8706	310	9	.	.	PUNCT
ejif-8706	311	1	https://doi.org/10.1108/jfrc-11-2017-0104	https://doi.org/10.1108/jfrc-11-2017-0104	PROPN
ejif-8706	311	2	aysan	aysan	PROPN
ejif-8706	311	3	,	,	PUNCT
ejif-8706	311	4	a.	a.	PROPN
ejif-8706	311	5	f.	f.	PROPN
ejif-8706	311	6	,	,	PUNCT
ejif-8706	311	7	disli	disli	PROPN
ejif-8706	311	8	,	,	PUNCT
ejif-8706	311	9	m.	m.	NOUN
ejif-8706	311	10	,	,	PUNCT
ejif-8706	311	11	duygun	duygun	NOUN
ejif-8706	311	12	,	,	PUNCT
ejif-8706	311	13	m.	m.	NOUN
ejif-8706	311	14	,	,	PUNCT
ejif-8706	311	15	&	&	CCONJ
ejif-8706	311	16	ozturk	ozturk	PROPN
ejif-8706	311	17	,	,	PUNCT
ejif-8706	311	18	h.	h.	PROPN
ejif-8706	311	19	(	(	PUNCT
ejif-8706	311	20	2018	2018	NUM
ejif-8706	311	21	)	)	PUNCT
ejif-8706	311	22	.	.	PUNCT
ejif-8706	312	1	religiosity	religiosity	NOUN
ejif-8706	312	2	versus	versus	ADP
ejif-8706	312	3	rationality	rationality	NOUN
ejif-8706	312	4	:	:	PUNCT
ejif-8706	312	5	depositor	depositor	NOUN
ejif-8706	312	6	behavior	behavior	NOUN
ejif-8706	312	7	in	in	ADP
ejif-8706	312	8	islamic	islamic	ADJ
ejif-8706	312	9	and	and	CCONJ
ejif-8706	312	10	conventional	conventional	ADJ
ejif-8706	312	11	banks	bank	NOUN
ejif-8706	312	12	.	.	PUNCT
ejif-8706	313	1	journal	journal	PROPN
ejif-8706	313	2	of	of	ADP
ejif-8706	313	3	comparative	comparative	ADJ
ejif-8706	313	4	economics	economic	NOUN
ejif-8706	313	5	,	,	PUNCT
ejif-8706	313	6	46(1	46(1	NOUN
ejif-8706	313	7	)	)	PUNCT
ejif-8706	313	8	,	,	PUNCT
ejif-8706	313	9	article	article	NOUN
ejif-8706	313	10	1	1	NUM
ejif-8706	313	11	.	.	PUNCT
ejif-8706	314	1	https://doi.org/10.1016/j.jce.2017.03.001	https://doi.org/10.1016/j.jce.2017.03.001	PROPN
ejif-8706	314	2	aysan	aysan	PROPN
ejif-8706	314	3	,	,	PUNCT
ejif-8706	314	4	a.	a.	PROPN
ejif-8706	314	5	f.	f.	PROPN
ejif-8706	314	6	,	,	PUNCT
ejif-8706	314	7	disli	disli	PROPN
ejif-8706	314	8	,	,	PUNCT
ejif-8706	314	9	m.	m.	NOUN
ejif-8706	314	10	,	,	PUNCT
ejif-8706	314	11	&	&	CCONJ
ejif-8706	314	12	ozturk	ozturk	PROPN
ejif-8706	314	13	,	,	PUNCT
ejif-8706	314	14	h.	h.	PROPN
ejif-8706	314	15	(	(	PUNCT
ejif-8706	314	16	2018	2018	NUM
ejif-8706	314	17	)	)	PUNCT
ejif-8706	314	18	.	.	PUNCT
ejif-8706	315	1	bank	bank	PROPN
ejif-8706	315	2	lending	lending	NOUN
ejif-8706	315	3	channel	channel	NOUN
ejif-8706	315	4	in	in	ADP
ejif-8706	315	5	a	a	DET
ejif-8706	315	6	dual	dual	ADJ
ejif-8706	315	7	banking	banking	NOUN
ejif-8706	315	8	system	system	NOUN
ejif-8706	315	9	:	:	PUNCT
ejif-8706	315	10	why	why	SCONJ
ejif-8706	315	11	are	be	AUX
ejif-8706	315	12	islamic	islamic	ADJ
ejif-8706	315	13	banks	bank	NOUN
ejif-8706	315	14	so	so	ADV
ejif-8706	315	15	responsive	responsive	ADJ
ejif-8706	315	16	?	?	PUNCT
ejif-8706	316	1	the	the	DET
ejif-8706	316	2	world	world	NOUN
ejif-8706	316	3	economy	economy	NOUN
ejif-8706	316	4	,	,	PUNCT
ejif-8706	316	5	41(3	41(3	NUM
ejif-8706	316	6	)	)	PUNCT
ejif-8706	316	7	,	,	PUNCT
ejif-8706	316	8	674–698	674–698	NUM
ejif-8706	316	9	.	.	PUNCT
ejif-8706	317	1	https://doi.org/10.1111/twec.12507	https://doi.org/10.1111/twec.12507	PROPN
ejif-8706	317	2	azmat	azmat	PROPN
ejif-8706	317	3	,	,	PUNCT
ejif-8706	317	4	s.	s.	PROPN
ejif-8706	317	5	,	,	PUNCT
ejif-8706	317	6	skully	skully	ADV
ejif-8706	317	7	,	,	PUNCT
ejif-8706	317	8	m.	m.	NOUN
ejif-8706	317	9	,	,	PUNCT
ejif-8706	317	10	&	&	CCONJ
ejif-8706	317	11	brown	brown	PROPN
ejif-8706	317	12	,	,	PUNCT
ejif-8706	317	13	k.	k.	PROPN
ejif-8706	317	14	(	(	PUNCT
ejif-8706	317	15	2015	2015	NUM
ejif-8706	317	16	)	)	PUNCT
ejif-8706	317	17	.	.	PUNCT
ejif-8706	318	1	can	can	AUX
ejif-8706	318	2	islamic	islamic	VERB
ejif-8706	318	3	banking	banking	NOUN
ejif-8706	318	4	ever	ever	ADV
ejif-8706	318	5	become	become	VERB
ejif-8706	318	6	islamic	islamic	ADJ
ejif-8706	318	7	?	?	PUNCT
ejif-8706	319	1	pacific	pacific	ADJ
ejif-8706	319	2	-	-	PUNCT
ejif-8706	319	3	basin	basin	NOUN
ejif-8706	319	4	finance	finance	NOUN
ejif-8706	319	5	journal	journal	NOUN
ejif-8706	319	6	,	,	PUNCT
ejif-8706	319	7	34	34	NUM
ejif-8706	319	8	,	,	PUNCT
ejif-8706	319	9	253–272	253–272	NUM
ejif-8706	319	10	.	.	PUNCT
ejif-8706	320	1	cevik	cevik	PROPN
ejif-8706	320	2	,	,	PUNCT
ejif-8706	320	3	s.	s.	PROPN
ejif-8706	320	4	,	,	PUNCT
ejif-8706	320	5	&	&	CCONJ
ejif-8706	320	6	charap	charap	PROPN
ejif-8706	320	7	,	,	PUNCT
ejif-8706	320	8	j.	j.	PROPN
ejif-8706	320	9	(	(	PUNCT
ejif-8706	320	10	2015	2015	NUM
ejif-8706	320	11	)	)	PUNCT
ejif-8706	320	12	.	.	PUNCT
ejif-8706	321	1	the	the	DET
ejif-8706	321	2	behavior	behavior	NOUN
ejif-8706	321	3	of	of	ADP
ejif-8706	321	4	conventional	conventional	ADJ
ejif-8706	321	5	and	and	CCONJ
ejif-8706	321	6	islamic	islamic	ADJ
ejif-8706	321	7	bank	bank	PROPN
ejif-8706	321	8	deposit	deposit	NOUN
ejif-8706	321	9	returns	return	NOUN
ejif-8706	321	10	in	in	ADP
ejif-8706	321	11	malaysia	malaysia	PROPN
ejif-8706	321	12	and	and	CCONJ
ejif-8706	321	13	turkey	turkey	PROPN
ejif-8706	321	14	.	.	PUNCT
ejif-8706	322	1	international	international	ADJ
ejif-8706	322	2	journal	journal	PROPN
ejif-8706	322	3	of	of	ADP
ejif-8706	322	4	economics	economic	NOUN
ejif-8706	322	5	and	and	CCONJ
ejif-8706	322	6	financial	financial	ADJ
ejif-8706	322	7	issues	issue	NOUN
ejif-8706	322	8	,	,	PUNCT
ejif-8706	322	9	5(1	5(1	NUM
ejif-8706	322	10	)	)	PUNCT
ejif-8706	322	11	,	,	PUNCT
ejif-8706	322	12	111–124	111–124	NUM
ejif-8706	322	13	.	.	PUNCT
ejif-8706	323	1	chong	chong	PROPN
ejif-8706	323	2	,	,	PUNCT
ejif-8706	323	3	b.	b.	PROPN
ejif-8706	323	4	s.	s.	PROPN
ejif-8706	323	5	,	,	PUNCT
ejif-8706	323	6	&	&	CCONJ
ejif-8706	323	7	liu	liu	PROPN
ejif-8706	323	8	,	,	PUNCT
ejif-8706	323	9	m.-h	m.-h	PROPN
ejif-8706	323	10	.	.	PUNCT
ejif-8706	324	1	(	(	PUNCT
ejif-8706	324	2	2009	2009	NUM
ejif-8706	324	3	)	)	PUNCT
ejif-8706	324	4	.	.	PUNCT
ejif-8706	325	1	islamic	islamic	ADJ
ejif-8706	325	2	banking	banking	PROPN
ejif-8706	325	3	:	:	PUNCT
ejif-8706	325	4	interest	interest	NOUN
ejif-8706	325	5	-	-	PUNCT
ejif-8706	325	6	free	free	ADJ
ejif-8706	325	7	or	or	CCONJ
ejif-8706	325	8	interest	interest	NOUN
ejif-8706	325	9	-	-	PUNCT
ejif-8706	325	10	based	base	VERB
ejif-8706	325	11	?	?	PUNCT
ejif-8706	325	12	pacific	pacific	ADJ
ejif-8706	325	13	-	-	PUNCT
ejif-8706	325	14	basin	basin	NOUN
ejif-8706	325	15	finance	finance	NOUN
ejif-8706	325	16	journal	journal	NOUN
ejif-8706	325	17	,	,	PUNCT
ejif-8706	325	18	17(1	17(1	NUM
ejif-8706	325	19	)	)	PUNCT
ejif-8706	325	20	,	,	PUNCT
ejif-8706	325	21	125–144	125–144	NUM
ejif-8706	325	22	.	.	PUNCT
ejif-8706	326	1	https://doi.org/10.1016/j.pacfin.2007.12.003	https://doi.org/10.1016/j.pacfin.2007.12.003	ADJ
ejif-8706	326	2	ergeç	ergeç	NOUN
ejif-8706	326	3	,	,	PUNCT
ejif-8706	326	4	e.	e.	PROPN
ejif-8706	326	5	h.	h.	PROPN
ejif-8706	326	6	,	,	PUNCT
ejif-8706	326	7	&	&	CCONJ
ejif-8706	326	8	arslan	arslan	PROPN
ejif-8706	326	9	,	,	PUNCT
ejif-8706	326	10	b.	b.	PROPN
ejif-8706	326	11	g.	g.	PROPN
ejif-8706	326	12	(	(	PUNCT
ejif-8706	326	13	2013	2013	NUM
ejif-8706	326	14	)	)	PUNCT
ejif-8706	326	15	.	.	PUNCT
ejif-8706	327	1	impact	impact	NOUN
ejif-8706	327	2	of	of	ADP
ejif-8706	327	3	interest	interest	NOUN
ejif-8706	327	4	rates	rate	NOUN
ejif-8706	327	5	on	on	ADP
ejif-8706	327	6	islamic	islamic	ADJ
ejif-8706	327	7	and	and	CCONJ
ejif-8706	327	8	conventional	conventional	ADJ
ejif-8706	327	9	banks	bank	NOUN
ejif-8706	327	10	:	:	PUNCT
ejif-8706	327	11	the	the	DET
ejif-8706	327	12	case	case	NOUN
ejif-8706	327	13	of	of	ADP
ejif-8706	327	14	turkey	turkey	NOUN
ejif-8706	327	15	.	.	PUNCT
ejif-8706	328	1	applied	apply	VERB
ejif-8706	328	2	economics	economic	NOUN
ejif-8706	328	3	,	,	PUNCT
ejif-8706	328	4	45(17	45(17	PROPN
ejif-8706	328	5	)	)	PUNCT
ejif-8706	328	6	,	,	PUNCT
ejif-8706	328	7	2381–2388	2381–2388	NUM
ejif-8706	328	8	.	.	PUNCT
ejif-8706	329	1	https://doi.org/10.1080/00036846.2012.665598	https://doi.org/10.1080/00036846.2012.665598	PROPN
ejif-8706	329	2	farooq	farooq	PROPN
ejif-8706	329	3	,	,	PUNCT
ejif-8706	329	4	m.	m.	NOUN
ejif-8706	329	5	,	,	PUNCT
ejif-8706	329	6	&	&	CCONJ
ejif-8706	329	7	zaheer	zaheer	PROPN
ejif-8706	329	8	,	,	PUNCT
ejif-8706	329	9	s.	s.	PROPN
ejif-8706	329	10	(	(	PUNCT
ejif-8706	329	11	2015	2015	NUM
ejif-8706	329	12	)	)	PUNCT
ejif-8706	329	13	.	.	PUNCT
ejif-8706	329	14	are	be	AUX
ejif-8706	329	15	islamic	islamic	ADJ
ejif-8706	329	16	banks	bank	NOUN
ejif-8706	329	17	more	more	ADV
ejif-8706	329	18	resilient	resilient	ADJ
ejif-8706	329	19	during	during	ADP
ejif-8706	329	20	financial	financial	ADJ
ejif-8706	329	21	panics	panic	NOUN
ejif-8706	329	22	?	?	PUNCT
ejif-8706	329	23	:	:	PUNCT
ejif-8706	329	24	islamic	islamic	ADJ
ejif-8706	329	25	banks	bank	NOUN
ejif-8706	329	26	resilience	resilience	NOUN
ejif-8706	329	27	:	:	PUNCT
ejif-8706	329	28	financial	financial	ADJ
ejif-8706	329	29	panics	panic	NOUN
ejif-8706	329	30	.	.	PUNCT
ejif-8706	330	1	pacific	pacific	PROPN
ejif-8706	330	2	economic	economic	PROPN
ejif-8706	330	3	review	review	PROPN
ejif-8706	330	4	,	,	PUNCT
ejif-8706	330	5	20(1	20(1	NUM
ejif-8706	330	6	)	)	PUNCT
ejif-8706	330	7	,	,	PUNCT
ejif-8706	330	8	101–124	101–124	NUM
ejif-8706	330	9	.	.	PUNCT
ejif-8706	331	1	https://doi.org/10.1111/1468-0106.12096	https://doi.org/10.1111/1468-0106.12096	PROPN
ejif-8706	331	2	hakan	hakan	PROPN
ejif-8706	331	3	,	,	PUNCT
ejif-8706	331	4	e.	e.	PROPN
ejif-8706	331	5	e.	e.	PROPN
ejif-8706	331	6	,	,	PUNCT
ejif-8706	331	7	&	&	CCONJ
ejif-8706	331	8	gülümser	gülümser	NOUN
ejif-8706	331	9	,	,	PUNCT
ejif-8706	331	10	a.	a.	PROPN
ejif-8706	331	11	b.	b.	PROPN
ejif-8706	331	12	(	(	PUNCT
ejif-8706	331	13	2011	2011	NUM
ejif-8706	331	14	)	)	PUNCT
ejif-8706	331	15	.	.	PUNCT
ejif-8706	332	1	impact	impact	NOUN
ejif-8706	332	2	of	of	ADP
ejif-8706	332	3	interest	interest	NOUN
ejif-8706	332	4	rates	rate	NOUN
ejif-8706	332	5	on	on	ADP
ejif-8706	332	6	islamic	islamic	ADJ
ejif-8706	332	7	and	and	CCONJ
ejif-8706	332	8	conventional	conventional	ADJ
ejif-8706	332	9	banks	bank	NOUN
ejif-8706	332	10	:	:	PUNCT
ejif-8706	332	11	the	the	DET
ejif-8706	332	12	case	case	NOUN
ejif-8706	332	13	of	of	ADP
ejif-8706	332	14	turkey	turkey	PROPN
ejif-8706	332	15	.	.	PUNCT
ejif-8706	333	1	iqbal	iqbal	PROPN
ejif-8706	333	2	,	,	PUNCT
ejif-8706	333	3	z.	z.	PROPN
ejif-8706	333	4	,	,	PUNCT
ejif-8706	333	5	&	&	CCONJ
ejif-8706	333	6	mirakhor	mirakhor	NOUN
ejif-8706	333	7	,	,	PUNCT
ejif-8706	333	8	a.	a.	NOUN
ejif-8706	333	9	(	(	PUNCT
ejif-8706	333	10	2013	2013	NUM
ejif-8706	333	11	)	)	PUNCT
ejif-8706	333	12	.	.	PUNCT
ejif-8706	334	1	economic	economic	ADJ
ejif-8706	334	2	development	development	NOUN
ejif-8706	334	3	and	and	CCONJ
ejif-8706	334	4	islamic	islamic	ADJ
ejif-8706	334	5	finance	finance	PROPN
ejif-8706	334	6	.	.	PUNCT
ejif-8706	335	1	world	world	PROPN
ejif-8706	335	2	bank	bank	PROPN
ejif-8706	335	3	publications	publication	NOUN
ejif-8706	335	4	.	.	PUNCT
ejif-8706	336	1	iqbal	iqbal	PROPN
ejif-8706	336	2	,	,	PUNCT
ejif-8706	336	3	z.	z.	PROPN
ejif-8706	336	4	,	,	PUNCT
ejif-8706	336	5	omar	omar	PROPN
ejif-8706	336	6	,	,	PUNCT
ejif-8706	336	7	a.	a.	PROPN
ejif-8706	336	8	,	,	PUNCT
ejif-8706	336	9	manap	manap	NOUN
ejif-8706	336	10	,	,	PUNCT
ejif-8706	336	11	t.	t.	PROPN
ejif-8706	336	12	a.	a.	NOUN
ejif-8706	336	13	a.	a.	PROPN
ejif-8706	336	14	,	,	PUNCT
ejif-8706	336	15	&	&	CCONJ
ejif-8706	336	16	alawode	alawode	PROPN
ejif-8706	336	17	,	,	PUNCT
ejif-8706	336	18	a.	a.	NOUN
ejif-8706	336	19	a.	a.	PROPN
ejif-8706	336	20	(	(	PUNCT
ejif-8706	336	21	n.d	n.d	PROPN
ejif-8706	336	22	.	.	PROPN
ejif-8706	336	23	)	)	PUNCT
ejif-8706	336	24	.	.	PUNCT
ejif-8706	337	1	islamic	islamic	PROPN
ejif-8706	337	2	finance	finance	PROPN
ejif-8706	337	3	:	:	PUNCT
ejif-8706	337	4	a	a	DET
ejif-8706	337	5	catalyst	catalyst	NOUN
ejif-8706	337	6	for	for	ADP
ejif-8706	337	7	shared	share	VERB
ejif-8706	337	8	prosperity	prosperity	NOUN
ejif-8706	337	9	?	?	PUNCT
ejif-8706	338	1	khalidin	khalidin	PROPN
ejif-8706	338	2	,	,	PUNCT
ejif-8706	338	3	b.	b.	PROPN
ejif-8706	338	4	(	(	PUNCT
ejif-8706	338	5	2017	2017	NUM
ejif-8706	338	6	)	)	PUNCT
ejif-8706	338	7	.	.	PUNCT
ejif-8706	339	1	interest	interest	NOUN
ejif-8706	339	2	rate	rate	NOUN
ejif-8706	339	3	and	and	CCONJ
ejif-8706	339	4	financing	financing	NOUN
ejif-8706	339	5	of	of	ADP
ejif-8706	339	6	islamic	islamic	ADJ
ejif-8706	339	7	banks	bank	NOUN
ejif-8706	339	8	in	in	ADP
ejif-8706	339	9	indonesia	indonesia	PROPN
ejif-8706	339	10	(	(	PUNCT
ejif-8706	339	11	a	a	DET
ejif-8706	339	12	vector	vector	NOUN
ejif-8706	339	13	auto	auto	NOUN
ejif-8706	339	14	regression	regression	NOUN
ejif-8706	339	15	approach	approach	NOUN
ejif-8706	339	16	)	)	PUNCT
ejif-8706	339	17	.	.	PUNCT
ejif-8706	340	1	khan	khan	PROPN
ejif-8706	340	2	,	,	PUNCT
ejif-8706	340	3	f.	f.	PROPN
ejif-8706	340	4	(	(	PUNCT
ejif-8706	340	5	2010	2010	NUM
ejif-8706	340	6	)	)	PUNCT
ejif-8706	340	7	.	.	PUNCT
ejif-8706	341	1	how	how	SCONJ
ejif-8706	341	2	'	'	PUNCT
ejif-8706	341	3	islamic	islamic	ADJ
ejif-8706	341	4	'	'	PUNCT
ejif-8706	341	5	is	be	AUX
ejif-8706	341	6	islamic	islamic	ADJ
ejif-8706	341	7	banking	banking	NOUN
ejif-8706	341	8	?	?	PUNCT
ejif-8706	342	1	journal	journal	NOUN
ejif-8706	342	2	of	of	ADP
ejif-8706	342	3	economic	economic	ADJ
ejif-8706	342	4	behavior	behavior	NOUN
ejif-8706	342	5	&	&	CCONJ
ejif-8706	342	6	organization	organization	PROPN
ejif-8706	342	7	,	,	PUNCT
ejif-8706	342	8	76(3	76(3	PROPN
ejif-8706	342	9	)	)	PUNCT
ejif-8706	342	10	,	,	PUNCT
ejif-8706	342	11	805–820	805–820	NUM
ejif-8706	342	12	.	.	PUNCT
ejif-8706	343	1	https://doi.org/10.1016/j.jebo.2010.09.015	https://doi.org/10.1016/j.jebo.2010.09.015	PROPN
ejif-8706	343	2	kia	kia	PROPN
ejif-8706	343	3	,	,	PUNCT
ejif-8706	343	4	a.	a.	PROPN
ejif-8706	343	5	,	,	PUNCT
ejif-8706	343	6	&	&	CCONJ
ejif-8706	343	7	darrat	darrat	PROPN
ejif-8706	343	8	,	,	PUNCT
ejif-8706	343	9	a.	a.	PROPN
ejif-8706	343	10	f.	f.	PROPN
ejif-8706	343	11	(	(	PUNCT
ejif-8706	343	12	2007	2007	NUM
ejif-8706	343	13	)	)	PUNCT
ejif-8706	343	14	.	.	PUNCT
ejif-8706	344	1	modeling	model	VERB
ejif-8706	344	2	money	money	NOUN
ejif-8706	344	3	demand	demand	NOUN
ejif-8706	344	4	under	under	ADP
ejif-8706	344	5	the	the	DET
ejif-8706	344	6	profit	profit	NOUN
ejif-8706	344	7	-	-	PUNCT
ejif-8706	344	8	sharing	share	VERB
ejif-8706	344	9	banking	banking	NOUN
ejif-8706	344	10	scheme	scheme	NOUN
ejif-8706	344	11	:	:	PUNCT
ejif-8706	344	12	some	some	DET
ejif-8706	344	13	evidence	evidence	NOUN
ejif-8706	344	14	on	on	ADP
ejif-8706	344	15	policy	policy	NOUN
ejif-8706	344	16	invariance	invariance	NOUN
ejif-8706	344	17	and	and	CCONJ
ejif-8706	344	18	long	long	ADV
ejif-8706	344	19	-	-	PUNCT
ejif-8706	344	20	run	run	NOUN
ejif-8706	344	21	stability	stability	NOUN
ejif-8706	344	22	.	.	PUNCT
ejif-8706	345	1	global	global	ADJ
ejif-8706	345	2	finance	finance	PROPN
ejif-8706	345	3	journal	journal	NOUN
ejif-8706	345	4	,	,	PUNCT
ejif-8706	345	5	18(1	18(1	NUM
ejif-8706	345	6	)	)	PUNCT
ejif-8706	345	7	,	,	PUNCT
ejif-8706	345	8	104–123	104–123	NUM
ejif-8706	345	9	.	.	PUNCT
ejif-8706	346	1	https://doi.org/10.1016/j.gfj.2006.11.001	https://doi.org/10.1016/j.gfj.2006.11.001	PROPN
ejif-8706	346	2	nouman	nouman	NOUN
ejif-8706	346	3	,	,	PUNCT
ejif-8706	346	4	m.	m.	NOUN
ejif-8706	346	5	,	,	PUNCT
ejif-8706	346	6	hashim	hashim	PROPN
ejif-8706	346	7	,	,	PUNCT
ejif-8706	346	8	m.	m.	NOUN
ejif-8706	346	9	,	,	PUNCT
ejif-8706	346	10	trifan	trifan	ADJ
ejif-8706	346	11	,	,	PUNCT
ejif-8706	346	12	v.	v.	ADV
ejif-8706	346	13	,	,	PUNCT
ejif-8706	346	14	spinu	spinu	NOUN
ejif-8706	346	15	,	,	PUNCT
ejif-8706	346	16	a.	a.	PROPN
ejif-8706	346	17	e.	e.	PROPN
ejif-8706	346	18	,	,	PUNCT
ejif-8706	346	19	siddiqi	siddiqi	PROPN
ejif-8706	346	20	,	,	PUNCT
ejif-8706	346	21	m.	m.	NOUN
ejif-8706	346	22	,	,	PUNCT
ejif-8706	346	23	&	&	CCONJ
ejif-8706	346	24	khan	khan	PROPN
ejif-8706	346	25	,	,	PUNCT
ejif-8706	346	26	f.	f.	PROPN
ejif-8706	346	27	(	(	PUNCT
ejif-8706	346	28	2022	2022	NUM
ejif-8706	346	29	)	)	PUNCT
ejif-8706	346	30	.	.	PUNCT
ejif-8706	347	1	interest	interest	NOUN
ejif-8706	347	2	rate	rate	NOUN
ejif-8706	347	3	volatility	volatility	NOUN
ejif-8706	347	4	and	and	CCONJ
ejif-8706	347	5	financing	financing	NOUN
ejif-8706	347	6	of	of	ADP
ejif-8706	347	7	islamic	islamic	ADJ
ejif-8706	347	8	banks	bank	NOUN
ejif-8706	347	9	.	.	PUNCT
ejif-8706	348	1	plos	plos	PROPN
ejif-8706	348	2	one	one	NUM
ejif-8706	348	3	,	,	PUNCT
ejif-8706	348	4	17	17	NUM
ejif-8706	348	5	,	,	PUNCT
ejif-8706	348	6	e0268906	e0268906	NOUN
ejif-8706	348	7	.	.	NOUN
ejif-8706	348	8	https://doi.org/10.1371/journal.pone.0268906	https://doi.org/10.1371/journal.pone.0268906	PROPN
ejif-8706	348	9	rosly	rosly	ADV
ejif-8706	348	10	,	,	PUNCT
ejif-8706	348	11	s.	s.	PROPN
ejif-8706	348	12	a.	a.	PROPN
ejif-8706	348	13	(	(	PUNCT
ejif-8706	348	14	1999	1999	NUM
ejif-8706	348	15	)	)	PUNCT
ejif-8706	348	16	.	.	PUNCT
ejif-8706	349	1	al	al	PROPN
ejif-8706	349	2	-	-	PUNCT
ejif-8706	349	3	bay'bithaman	bay'bithaman	PROPN
ejif-8706	349	4	ajil	ajil	PROPN
ejif-8706	349	5	financing	financing	NOUN
ejif-8706	349	6	:	:	PUNCT
ejif-8706	349	7	impacts	impact	NOUN
ejif-8706	349	8	on	on	ADP
ejif-8706	349	9	islamic	islamic	ADJ
ejif-8706	349	10	banking	banking	NOUN
ejif-8706	349	11	performance	performance	NOUN
ejif-8706	349	12	.	.	PUNCT
ejif-8706	350	1	thunderbird	thunderbird	PROPN
ejif-8706	350	2	international	international	PROPN
ejif-8706	350	3	business	business	PROPN
ejif-8706	350	4	review	review	PROPN
ejif-8706	350	5	,	,	PUNCT
ejif-8706	350	6	41(4–5	41(4–5	NOUN
ejif-8706	350	7	)	)	PUNCT
ejif-8706	350	8	,	,	PUNCT
ejif-8706	350	9	461–480	461–480	NUM
ejif-8706	350	10	.	.	PUNCT
ejif-8706	351	1	european	european	PROPN
ejif-8706	351	2	journal	journal	PROPN
ejif-8706	351	3	of	of	ADP
ejif-8706	351	4	islamic	islamic	PROPN
ejif-8706	351	5	finance	finance	PROPN
ejif-8706	351	6	issn	issn	PROPN
ejif-8706	351	7	:	:	PUNCT
ejif-8706	351	8	2421	2421	NUM
ejif-8706	351	9	-	-	SYM
ejif-8706	351	10	2172	2172	NUM
ejif-8706	351	11	doi	doi	NOUN
ejif-8706	351	12	:	:	PUNCT
ejif-8706	351	13	10.13135/2421	10.13135/2421	NUM
ejif-8706	351	14	-	-	SYM
ejif-8706	351	15	2172/8706	2172/8706	NUM
ejif-8706	351	16	published	publish	VERB
ejif-8706	351	17	by	by	ADP
ejif-8706	351	18	university	university	PROPN
ejif-8706	351	19	of	of	ADP
ejif-8706	351	20	turin	turin	PROPN
ejif-8706	352	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-8706	352	2	ejif	ejif	PROPN
ejif-8706	352	3	content	content	NOUN
ejif-8706	352	4	is	be	AUX
ejif-8706	352	5	licensed	license	VERB
ejif-8706	352	6	under	under	ADP
ejif-8706	352	7	a	a	DET
ejif-8706	352	8	creative	creative	ADJ
ejif-8706	352	9	commons	common	NOUN
ejif-8706	352	10	attribution	attribution	NOUN
ejif-8706	352	11	4.0	4.0	NUM
ejif-8706	352	12	international	international	ADJ
ejif-8706	352	13	license	license	NOUN
ejif-8706	352	14	61	61	NUM
ejif-8706	352	15	saeed	saeed	NOUN
ejif-8706	352	16	,	,	PUNCT
ejif-8706	352	17	s.	s.	PROPN
ejif-8706	352	18	m.	m.	PROPN
ejif-8706	352	19	,	,	PUNCT
ejif-8706	352	20	abdeljawad	abdeljawad	NOUN
ejif-8706	352	21	,	,	PUNCT
ejif-8706	352	22	i.	i.	PROPN
ejif-8706	352	23	,	,	PUNCT
ejif-8706	352	24	hassan	hassan	PROPN
ejif-8706	352	25	,	,	PUNCT
ejif-8706	352	26	m.	m.	PROPN
ejif-8706	352	27	k.	k.	PROPN
ejif-8706	352	28	,	,	PUNCT
ejif-8706	352	29	&	&	CCONJ
ejif-8706	352	30	rashid	rashid	PROPN
ejif-8706	352	31	,	,	PUNCT
ejif-8706	352	32	m.	m.	NOUN
ejif-8706	352	33	(	(	PUNCT
ejif-8706	352	34	2023	2023	NUM
ejif-8706	352	35	)	)	PUNCT
ejif-8706	352	36	.	.	PUNCT
ejif-8706	353	1	dependency	dependency	NOUN
ejif-8706	353	2	of	of	ADP
ejif-8706	353	3	islamic	islamic	PROPN
ejif-8706	353	4	bank	bank	PROPN
ejif-8706	353	5	rates	rate	NOUN
ejif-8706	353	6	on	on	ADP
ejif-8706	353	7	conventional	conventional	ADJ
ejif-8706	353	8	rates	rate	NOUN
ejif-8706	353	9	in	in	ADP
ejif-8706	353	10	a	a	DET
ejif-8706	353	11	dual	dual	ADJ
ejif-8706	353	12	banking	banking	NOUN
ejif-8706	353	13	system	system	NOUN
ejif-8706	353	14	:	:	PUNCT
ejif-8706	353	15	a	a	DET
ejif-8706	353	16	trade	trade	NOUN
ejif-8706	353	17	-	-	PUNCT
ejif-8706	353	18	off	off	NOUN
ejif-8706	353	19	between	between	ADP
ejif-8706	353	20	religious	religious	ADJ
ejif-8706	353	21	and	and	CCONJ
ejif-8706	353	22	economic	economic	ADJ
ejif-8706	353	23	fundamentals	fundamental	NOUN
ejif-8706	353	24	.	.	PUNCT
ejif-8706	354	1	international	international	ADJ
ejif-8706	354	2	review	review	NOUN
ejif-8706	354	3	of	of	ADP
ejif-8706	354	4	economics	economics	PROPN
ejif-8706	354	5	&	&	CCONJ
ejif-8706	354	6	finance	finance	PROPN
ejif-8706	354	7	,	,	PUNCT
ejif-8706	354	8	86	86	NUM
ejif-8706	354	9	,	,	PUNCT
ejif-8706	354	10	1003–1021	1003–1021	NUM
ejif-8706	354	11	.	.	PUNCT
ejif-8706	355	1	https://doi.org/10.1016/j.iref.2021.09.013	https://doi.org/10.1016/j.iref.2021.09.013	PROPN
ejif-8706	355	2	šeho	šeho	ADJ
ejif-8706	355	3	,	,	PUNCT
ejif-8706	355	4	m.	m.	NOUN
ejif-8706	355	5	,	,	PUNCT
ejif-8706	355	6	bacha	bacha	PROPN
ejif-8706	355	7	,	,	PUNCT
ejif-8706	355	8	o.	o.	PROPN
ejif-8706	355	9	i.	i.	PROPN
ejif-8706	355	10	,	,	PUNCT
ejif-8706	355	11	&	&	CCONJ
ejif-8706	355	12	smolo	smolo	PROPN
ejif-8706	355	13	,	,	PUNCT
ejif-8706	355	14	e.	e.	PROPN
ejif-8706	355	15	(	(	PUNCT
ejif-8706	355	16	2020a	2020a	NUM
ejif-8706	355	17	)	)	PUNCT
ejif-8706	355	18	.	.	PUNCT
ejif-8706	356	1	the	the	DET
ejif-8706	356	2	effects	effect	NOUN
ejif-8706	356	3	of	of	ADP
ejif-8706	356	4	interest	interest	NOUN
ejif-8706	356	5	rate	rate	NOUN
ejif-8706	356	6	on	on	ADP
ejif-8706	356	7	islamic	islamic	PROPN
ejif-8706	356	8	bank	bank	PROPN
ejif-8706	356	9	financing	financing	NOUN
ejif-8706	356	10	instruments	instrument	NOUN
ejif-8706	356	11	:	:	PUNCT
ejif-8706	356	12	cross	cross	ADJ
ejif-8706	356	13	-	-	ADJ
ejif-8706	356	14	country	country	ADJ
ejif-8706	356	15	evidence	evidence	NOUN
ejif-8706	356	16	from	from	ADP
ejif-8706	356	17	dual	dual	ADJ
ejif-8706	356	18	-	-	PUNCT
ejif-8706	356	19	banking	banking	NOUN
ejif-8706	356	20	systems	system	NOUN
ejif-8706	356	21	.	.	PUNCT
ejif-8706	357	1	pacific	pacific	ADJ
ejif-8706	357	2	-	-	PUNCT
ejif-8706	357	3	basin	basin	NOUN
ejif-8706	357	4	finance	finance	NOUN
ejif-8706	357	5	journal	journal	NOUN
ejif-8706	357	6	,	,	PUNCT
ejif-8706	357	7	62	62	NUM
ejif-8706	357	8	,	,	PUNCT
ejif-8706	357	9	101292	101292	NUM
ejif-8706	357	10	.	.	PUNCT
ejif-8706	358	1	https://doi.org/10.1016/j.pacfin.2020.101292	https://doi.org/10.1016/j.pacfin.2020.101292	ADJ
ejif-8706	358	2	šeho	šeho	ADJ
ejif-8706	358	3	,	,	PUNCT
ejif-8706	358	4	m.	m.	NOUN
ejif-8706	358	5	,	,	PUNCT
ejif-8706	358	6	bacha	bacha	PROPN
ejif-8706	358	7	,	,	PUNCT
ejif-8706	358	8	o.	o.	PROPN
ejif-8706	358	9	i.	i.	PROPN
ejif-8706	358	10	,	,	PUNCT
ejif-8706	358	11	&	&	CCONJ
ejif-8706	358	12	smolo	smolo	PROPN
ejif-8706	358	13	,	,	PUNCT
ejif-8706	358	14	e.	e.	PROPN
ejif-8706	358	15	(	(	PUNCT
ejif-8706	358	16	2020b	2020b	NUM
ejif-8706	358	17	)	)	PUNCT
ejif-8706	358	18	.	.	PUNCT
ejif-8706	359	1	the	the	DET
ejif-8706	359	2	effects	effect	NOUN
ejif-8706	359	3	of	of	ADP
ejif-8706	359	4	interest	interest	NOUN
ejif-8706	359	5	rate	rate	NOUN
ejif-8706	359	6	on	on	ADP
ejif-8706	359	7	islamic	islamic	PROPN
ejif-8706	359	8	bank	bank	PROPN
ejif-8706	359	9	financing	financing	NOUN
ejif-8706	359	10	instruments	instrument	NOUN
ejif-8706	359	11	:	:	PUNCT
ejif-8706	359	12	cross	cross	ADJ
ejif-8706	359	13	-	-	ADJ
ejif-8706	359	14	country	country	ADJ
ejif-8706	359	15	evidence	evidence	NOUN
ejif-8706	359	16	from	from	ADP
ejif-8706	359	17	dual	dual	ADJ
ejif-8706	359	18	-	-	PUNCT
ejif-8706	359	19	banking	banking	NOUN
ejif-8706	359	20	systems	system	NOUN
ejif-8706	359	21	.	.	PUNCT
ejif-8706	360	1	pacific	pacific	ADJ
ejif-8706	360	2	-	-	PUNCT
ejif-8706	360	3	basin	basin	NOUN
ejif-8706	360	4	finance	finance	NOUN
ejif-8706	360	5	journal	journal	NOUN
ejif-8706	360	6	,	,	PUNCT
ejif-8706	360	7	62	62	NUM
ejif-8706	360	8	,	,	PUNCT
ejif-8706	360	9	101292	101292	NUM
ejif-8706	360	10	.	.	PUNCT
ejif-8706	361	1	https://doi.org/10.1016/j.pacfin.2020.101292	https://doi.org/10.1016/j.pacfin.2020.101292	NOUN
ejif-8706	361	2	sukmana	sukmana	PROPN
ejif-8706	361	3	,	,	PUNCT
ejif-8706	361	4	r.	r.	PROPN
ejif-8706	361	5	,	,	PUNCT
ejif-8706	361	6	&	&	CCONJ
ejif-8706	361	7	ibrahim	ibrahim	PROPN
ejif-8706	361	8	,	,	PUNCT
ejif-8706	361	9	m.	m.	PROPN
ejif-8706	361	10	h.	h.	PROPN
ejif-8706	361	11	(	(	PUNCT
ejif-8706	361	12	2017	2017	NUM
ejif-8706	361	13	)	)	PUNCT
ejif-8706	361	14	.	.	PUNCT
ejif-8706	362	1	how	how	SCONJ
ejif-8706	362	2	islamic	islamic	ADJ
ejif-8706	362	3	are	be	AUX
ejif-8706	362	4	islamic	islamic	ADJ
ejif-8706	362	5	banks	bank	NOUN
ejif-8706	362	6	?	?	PUNCT
ejif-8706	363	1	a	a	DET
ejif-8706	363	2	non	non	ADJ
ejif-8706	363	3	-	-	ADJ
ejif-8706	363	4	linear	linear	ADJ
ejif-8706	363	5	assessment	assessment	NOUN
ejif-8706	363	6	of	of	ADP
ejif-8706	363	7	islamic	islamic	ADJ
ejif-8706	363	8	rate	rate	NOUN
ejif-8706	363	9	–	–	PUNCT
ejif-8706	363	10	conventional	conventional	ADJ
ejif-8706	363	11	rate	rate	NOUN
ejif-8706	363	12	relations	relation	NOUN
ejif-8706	363	13	.	.	PUNCT
ejif-8706	364	1	economic	economic	ADJ
ejif-8706	364	2	modelling	modelling	NOUN
ejif-8706	364	3	,	,	PUNCT
ejif-8706	364	4	64	64	NUM
ejif-8706	364	5	,	,	PUNCT
ejif-8706	364	6	443–448	443–448	NUM
ejif-8706	364	7	.	.	PUNCT
ejif-8706	365	1	https://doi.org/10.1016/j.econmod.2017.02.025	https://doi.org/10.1016/j.econmod.2017.02.025	PROPN
ejif-8706	365	2	sukmana	sukmana	PROPN
ejif-8706	365	3	,	,	PUNCT
ejif-8706	365	4	r.	r.	PROPN
ejif-8706	365	5	,	,	PUNCT
ejif-8706	365	6	&	&	CCONJ
ejif-8706	365	7	kassim	kassim	PROPN
ejif-8706	365	8	,	,	PUNCT
ejif-8706	365	9	s.	s.	PROPN
ejif-8706	365	10	h.	h.	PROPN
ejif-8706	365	11	(	(	PUNCT
ejif-8706	365	12	2010	2010	NUM
ejif-8706	365	13	)	)	PUNCT
ejif-8706	365	14	.	.	PUNCT
ejif-8706	366	1	roles	role	NOUN
ejif-8706	366	2	of	of	ADP
ejif-8706	366	3	the	the	DET
ejif-8706	366	4	islamic	islamic	ADJ
ejif-8706	366	5	banks	bank	NOUN
ejif-8706	366	6	in	in	ADP
ejif-8706	366	7	the	the	DET
ejif-8706	366	8	monetary	monetary	ADJ
ejif-8706	366	9	transmission	transmission	NOUN
ejif-8706	366	10	process	process	NOUN
ejif-8706	366	11	in	in	ADP
ejif-8706	366	12	malaysia	malaysia	PROPN
ejif-8706	366	13	.	.	PUNCT
ejif-8706	367	1	international	international	ADJ
ejif-8706	367	2	journal	journal	PROPN
ejif-8706	367	3	of	of	ADP
ejif-8706	367	4	islamic	islamic	ADJ
ejif-8706	367	5	and	and	CCONJ
ejif-8706	367	6	middle	middle	ADJ
ejif-8706	367	7	eastern	eastern	ADJ
ejif-8706	367	8	finance	finance	NOUN
ejif-8706	367	9	and	and	CCONJ
ejif-8706	367	10	management	management	NOUN
ejif-8706	367	11	,	,	PUNCT
ejif-8706	367	12	3(1	3(1	NUM
ejif-8706	367	13	)	)	PUNCT
ejif-8706	367	14	,	,	PUNCT
ejif-8706	367	15	7–19	7–19	NOUN
ejif-8706	367	16	.	.	PUNCT
ejif-8706	368	1	https://doi.org/10.1108/17538391011033834	https://doi.org/10.1108/17538391011033834	NOUN
ejif-8706	368	2	uusmani	uusmani	VERB
ejif-8706	368	3	,	,	PUNCT
ejif-8706	368	4	m.	m.	NOUN
ejif-8706	368	5	t.	t.	PROPN
ejif-8706	368	6	,	,	PUNCT
ejif-8706	368	7	&	&	CCONJ
ejif-8706	368	8	ʻus̲mānī	ʻus̲mānī	PROPN
ejif-8706	368	9	,	,	PUNCT
ejif-8706	368	10	m.	m.	NOUN
ejif-8706	368	11	t.	t.	PROPN
ejif-8706	368	12	(	(	PUNCT
ejif-8706	368	13	2002	2002	NUM
ejif-8706	368	14	)	)	PUNCT
ejif-8706	368	15	.	.	PUNCT
ejif-8706	369	1	an	an	DET
ejif-8706	369	2	introduction	introduction	NOUN
ejif-8706	369	3	to	to	ADP
ejif-8706	369	4	islamic	islamic	ADJ
ejif-8706	369	5	finance	finance	NOUN
ejif-8706	369	6	.	.	PUNCT
ejif-8706	370	1	brill	brill	PROPN
ejif-8706	370	2	.	.	PUNCT
ejif-8706	371	1	yüksel	yüksel	PROPN
ejif-8706	371	2	,	,	PUNCT
ejif-8706	371	3	s.	s.	PROPN
ejif-8706	371	4	,	,	PUNCT
ejif-8706	371	5	canöz	canöz	PROPN
ejif-8706	371	6	,	,	PUNCT
ejif-8706	371	7	i̇.	i̇.	PROPN
ejif-8706	371	8	,	,	PUNCT
ejif-8706	371	9	&	&	CCONJ
ejif-8706	371	10	ozsari	ozsari	NOUN
ejif-8706	371	11	,	,	PUNCT
ejif-8706	371	12	m.	m.	NOUN
ejif-8706	371	13	(	(	PUNCT
ejif-8706	371	14	2017	2017	NUM
ejif-8706	371	15	)	)	PUNCT
ejif-8706	371	16	.	.	PUNCT
ejif-8706	372	1	causality	causality	NOUN
ejif-8706	372	2	relationship	relationship	NOUN
ejif-8706	372	3	between	between	ADP
ejif-8706	372	4	interest	interest	NOUN
ejif-8706	372	5	rate	rate	NOUN
ejif-8706	372	6	of	of	ADP
ejif-8706	372	7	deposit	deposit	NOUN
ejif-8706	372	8	banks	bank	NOUN
ejif-8706	372	9	and	and	CCONJ
ejif-8706	372	10	profit	profit	NOUN
ejif-8706	372	11	share	share	NOUN
ejif-8706	372	12	rate	rate	NOUN
ejif-8706	372	13	of	of	ADP
ejif-8706	372	14	islamic	islamic	ADJ
ejif-8706	372	15	banks	bank	NOUN
ejif-8706	372	16	in	in	ADP
ejif-8706	372	17	turkey	turkey	PROPN
ejif-8706	372	18	.	.	PUNCT
ejif-8706	373	1	ikonomika	ikonomika	PROPN
ejif-8706	373	2	,	,	PUNCT
ejif-8706	373	3	2	2	NUM
ejif-8706	373	4	,	,	PUNCT
ejif-8706	373	5	131–148	131–148	NUM
ejif-8706	373	6	.	.	PUNCT
ejif-8706	374	1	https://doi.org/10.24042/febi.v2i1.943	https://doi.org/10.24042/febi.v2i1.943	NOUN
ejif-8706	374	2	zulkhibri	zulkhibri	NOUN
ejif-8706	374	3	,	,	PUNCT
ejif-8706	374	4	m.	m.	NOUN
ejif-8706	374	5	(	(	PUNCT
ejif-8706	374	6	2018	2018	NUM
ejif-8706	374	7	)	)	PUNCT
ejif-8706	374	8	.	.	PUNCT
ejif-8706	375	1	the	the	DET
ejif-8706	375	2	impact	impact	NOUN
ejif-8706	375	3	of	of	ADP
ejif-8706	375	4	monetary	monetary	ADJ
ejif-8706	375	5	policy	policy	NOUN
ejif-8706	375	6	on	on	ADP
ejif-8706	375	7	islamic	islamic	PROPN
ejif-8706	375	8	bank	bank	PROPN
ejif-8706	375	9	financing	financing	NOUN
ejif-8706	375	10	:	:	PUNCT
ejif-8706	375	11	bank	bank	NOUN
ejif-8706	375	12	-	-	PUNCT
ejif-8706	375	13	level	level	NOUN
ejif-8706	375	14	evidence	evidence	NOUN
ejif-8706	375	15	from	from	ADP
ejif-8706	375	16	malaysia	malaysia	PROPN
ejif-8706	375	17	.	.	PUNCT
ejif-8706	376	1	journal	journal	PROPN
ejif-8706	376	2	of	of	ADP
ejif-8706	376	3	economics	economic	NOUN
ejif-8706	376	4	,	,	PUNCT
ejif-8706	376	5	finance	finance	NOUN
ejif-8706	376	6	and	and	CCONJ
ejif-8706	376	7	administrative	administrative	ADJ
ejif-8706	376	8	science	science	NOUN
ejif-8706	376	9	,	,	PUNCT
ejif-8706	376	10	23(46	23(46	PROPN
ejif-8706	376	11	)	)	PUNCT
ejif-8706	376	12	,	,	PUNCT
ejif-8706	376	13	306–322	306–322	NUM
ejif-8706	376	14	.	.	PUNCT
ejif-8706	377	1	https://doi.org/10.1108/jefas-01-2018-0011	https://doi.org/10.1108/jefas-01-2018-0011	NUM