id	sid	tid	token	lemma	pos
ejif-9019	1	1	1_ejif_worasutr	1_ejif_worasutr	NUM
ejif-9019	1	2	european	european	PROPN
ejif-9019	1	3	journal	journal	PROPN
ejif-9019	1	4	of	of	ADP
ejif-9019	1	5	islamic	islamic	PROPN
ejif-9019	1	6	finance	finance	PROPN
ejif-9019	1	7	issn	issn	PROPN
ejif-9019	1	8	:	:	PUNCT
ejif-9019	1	9	2421	2421	NUM
ejif-9019	1	10	-	-	SYM
ejif-9019	1	11	2172	2172	NUM
ejif-9019	1	12	doi	doi	NOUN
ejif-9019	1	13	:	:	PUNCT
ejif-9019	1	14	10.13135/2421	10.13135/2421	NUM
ejif-9019	1	15	-	-	SYM
ejif-9019	1	16	2172/9019	2172/9019	NUM
ejif-9019	1	17	published	publish	VERB
ejif-9019	1	18	by	by	ADP
ejif-9019	1	19	university	university	PROPN
ejif-9019	1	20	of	of	ADP
ejif-9019	1	21	turin	turin	PROPN
ejif-9019	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	2	2	ejif	ejif	PROPN
ejif-9019	2	3	content	content	NOUN
ejif-9019	2	4	is	be	AUX
ejif-9019	2	5	licensed	license	VERB
ejif-9019	2	6	under	under	ADP
ejif-9019	2	7	a	a	DET
ejif-9019	2	8	creative	creative	ADJ
ejif-9019	2	9	commons	common	NOUN
ejif-9019	2	10	attribution	attribution	NOUN
ejif-9019	2	11	4.0	4.0	NUM
ejif-9019	2	12	international	international	ADJ
ejif-9019	2	13	license	license	NOUN
ejif-9019	2	14	1	1	NUM
ejif-9019	2	15	driving	drive	VERB
ejif-9019	2	16	sustainable	sustainable	ADJ
ejif-9019	2	17	innovation	innovation	NOUN
ejif-9019	2	18	:	:	PUNCT
ejif-9019	2	19	islamic	islamic	ADJ
ejif-9019	2	20	financial	financial	ADJ
ejif-9019	2	21	literacy	literacy	NOUN
ejif-9019	2	22	and	and	CCONJ
ejif-9019	2	23	inclusion	inclusion	NOUN
ejif-9019	2	24	in	in	ADP
ejif-9019	2	25	the	the	DET
ejif-9019	2	26	five	five	NUM
ejif-9019	2	27	southernmost	southernmost	NOUN
ejif-9019	2	28	provinces	province	NOUN
ejif-9019	2	29	of	of	ADP
ejif-9019	2	30	thailand	thailand	PROPN
ejif-9019	2	31	asas	asas	PROPN
ejif-9019	2	32	worasutr1	worasutr1	PROPN
ejif-9019	2	33	*	*	PROPN
ejif-9019	2	34	,	,	PUNCT
ejif-9019	2	35	stephen	stephen	PROPN
ejif-9019	2	36	e.	e.	PROPN
ejif-9019	2	37	little2	little2	PROPN
ejif-9019	2	38	,	,	PUNCT
ejif-9019	2	39	mohammed	mohammed	PROPN
ejif-9019	2	40	abdel	abdel	PROPN
ejif-9019	2	41	haq3	haq3	PROPN
ejif-9019	2	42	1	1	NUM
ejif-9019	2	43	lecturer	lecturer	NOUN
ejif-9019	2	44	,	,	PUNCT
ejif-9019	2	45	islamic	islamic	ADJ
ejif-9019	2	46	business	business	PROPN
ejif-9019	2	47	innovation	innovation	NOUN
ejif-9019	2	48	program	program	NOUN
ejif-9019	2	49	,	,	PUNCT
ejif-9019	2	50	faculty	faculty	NOUN
ejif-9019	2	51	of	of	ADP
ejif-9019	2	52	islamic	islamic	ADJ
ejif-9019	2	53	science	science	PROPN
ejif-9019	2	54	,	,	PUNCT
ejif-9019	2	55	prince	prince	NOUN
ejif-9019	2	56	of	of	ADP
ejif-9019	2	57	songkla	songkla	PROPN
ejif-9019	2	58	university	university	PROPN
ejif-9019	2	59	,	,	PUNCT
ejif-9019	2	60	thailand	thailand	PROPN
ejif-9019	2	61	–	–	PUNCT
ejif-9019	2	62	contact	contact	NOUN
ejif-9019	2	63	author	author	NOUN
ejif-9019	2	64	asaswora@hotmail.com	asaswora@hotmail.com	PROPN
ejif-9019	2	65	2	2	NUM
ejif-9019	2	66	professor	professor	NOUN
ejif-9019	2	67	,	,	PUNCT
ejif-9019	2	68	centre	centre	NOUN
ejif-9019	2	69	for	for	ADP
ejif-9019	2	70	islamic	islamic	ADJ
ejif-9019	2	71	finance	finance	PROPN
ejif-9019	2	72	,	,	PUNCT
ejif-9019	2	73	university	university	PROPN
ejif-9019	2	74	of	of	ADP
ejif-9019	2	75	bolton	bolton	PROPN
ejif-9019	2	76	,	,	PUNCT
ejif-9019	2	77	united	united	ADJ
ejif-9019	2	78	kingdom	kingdom	PROPN
ejif-9019	2	79	s.little@bolton.ac.uk	s.little@bolton.ac.uk	PROPN
ejif-9019	2	80	3	3	NUM
ejif-9019	2	81	professor	professor	NOUN
ejif-9019	2	82	,	,	PUNCT
ejif-9019	2	83	centre	centre	NOUN
ejif-9019	2	84	for	for	ADP
ejif-9019	2	85	islamic	islamic	ADJ
ejif-9019	2	86	finance	finance	PROPN
ejif-9019	2	87	,	,	PUNCT
ejif-9019	2	88	university	university	PROPN
ejif-9019	2	89	of	of	ADP
ejif-9019	2	90	bolton	bolton	PROPN
ejif-9019	2	91	,	,	PUNCT
ejif-9019	2	92	united	united	PROPN
ejif-9019	2	93	kingdom	kingdom	PROPN
ejif-9019	2	94	mohammed.abdel-haq@bolton.ac.uk	mohammed.abdel-haq@bolton.ac.uk	PROPN
ejif-9019	2	95	received	receive	VERB
ejif-9019	2	96	:	:	PUNCT
ejif-9019	2	97	11/12/2023	11/12/2023	NUM
ejif-9019	2	98	accepted	accept	VERB
ejif-9019	2	99	for	for	ADP
ejif-9019	2	100	publication	publication	NOUN
ejif-9019	2	101	:	:	PUNCT
ejif-9019	2	102	11/09/2024	11/09/2024	NUM
ejif-9019	2	103	published	publish	VERB
ejif-9019	2	104	:	:	PUNCT
ejif-9019	2	105	23/12/2024	23/12/2024	NUM
ejif-9019	2	106	abstract	abstract	ADJ
ejif-9019	2	107	financial	financial	ADJ
ejif-9019	2	108	literacy	literacy	NOUN
ejif-9019	2	109	is	be	AUX
ejif-9019	2	110	increasingly	increasingly	ADV
ejif-9019	2	111	recognised	recognise	VERB
ejif-9019	2	112	as	as	ADP
ejif-9019	2	113	enhancing	enhance	VERB
ejif-9019	2	114	access	access	NOUN
ejif-9019	2	115	to	to	ADP
ejif-9019	2	116	financial	financial	ADJ
ejif-9019	2	117	services	service	NOUN
ejif-9019	2	118	.	.	PUNCT
ejif-9019	3	1	the	the	DET
ejif-9019	3	2	role	role	NOUN
ejif-9019	3	3	of	of	ADP
ejif-9019	3	4	financial	financial	ADJ
ejif-9019	3	5	literacy	literacy	NOUN
ejif-9019	3	6	in	in	ADP
ejif-9019	3	7	enabling	enable	VERB
ejif-9019	3	8	individuals	individual	NOUN
ejif-9019	3	9	to	to	PART
ejif-9019	3	10	make	make	VERB
ejif-9019	3	11	well	well	ADV
ejif-9019	3	12	-	-	PUNCT
ejif-9019	3	13	informed	inform	VERB
ejif-9019	3	14	financial	financial	ADJ
ejif-9019	3	15	decisions	decision	NOUN
ejif-9019	3	16	is	be	AUX
ejif-9019	3	17	crucial	crucial	ADJ
ejif-9019	3	18	.	.	PUNCT
ejif-9019	4	1	financial	financial	ADJ
ejif-9019	4	2	inclusion	inclusion	NOUN
ejif-9019	4	3	ensures	ensure	VERB
ejif-9019	4	4	that	that	SCONJ
ejif-9019	4	5	individuals	individual	NOUN
ejif-9019	4	6	can	can	AUX
ejif-9019	4	7	participate	participate	VERB
ejif-9019	4	8	in	in	ADP
ejif-9019	4	9	the	the	DET
ejif-9019	4	10	formal	formal	ADJ
ejif-9019	4	11	economy	economy	NOUN
ejif-9019	4	12	and	and	CCONJ
ejif-9019	4	13	access	access	NOUN
ejif-9019	4	14	financial	financial	ADJ
ejif-9019	4	15	tools	tool	NOUN
ejif-9019	4	16	to	to	PART
ejif-9019	4	17	improve	improve	VERB
ejif-9019	4	18	their	their	PRON
ejif-9019	4	19	living	living	NOUN
ejif-9019	4	20	standards	standard	NOUN
ejif-9019	4	21	.	.	PUNCT
ejif-9019	5	1	accordingly	accordingly	ADV
ejif-9019	5	2	,	,	PUNCT
ejif-9019	5	3	financial	financial	ADJ
ejif-9019	5	4	literacy	literacy	NOUN
ejif-9019	5	5	and	and	CCONJ
ejif-9019	5	6	inclusion	inclusion	NOUN
ejif-9019	5	7	are	be	AUX
ejif-9019	5	8	essential	essential	ADJ
ejif-9019	5	9	because	because	SCONJ
ejif-9019	5	10	they	they	PRON
ejif-9019	5	11	provide	provide	VERB
ejif-9019	5	12	people	people	NOUN
ejif-9019	5	13	with	with	ADP
ejif-9019	5	14	the	the	DET
ejif-9019	5	15	knowledge	knowledge	NOUN
ejif-9019	5	16	and	and	CCONJ
ejif-9019	5	17	access	access	NOUN
ejif-9019	5	18	to	to	ADP
ejif-9019	5	19	services	service	NOUN
ejif-9019	5	20	that	that	PRON
ejif-9019	5	21	promote	promote	VERB
ejif-9019	5	22	a	a	DET
ejif-9019	5	23	more	more	ADV
ejif-9019	5	24	sustainable	sustainable	ADJ
ejif-9019	5	25	financial	financial	ADJ
ejif-9019	5	26	system	system	NOUN
ejif-9019	5	27	,	,	PUNCT
ejif-9019	5	28	which	which	PRON
ejif-9019	5	29	benefits	benefit	VERB
ejif-9019	5	30	the	the	DET
ejif-9019	5	31	larger	large	ADJ
ejif-9019	5	32	community	community	NOUN
ejif-9019	5	33	and	and	CCONJ
ejif-9019	5	34	the	the	DET
ejif-9019	5	35	economy	economy	NOUN
ejif-9019	5	36	.	.	PUNCT
ejif-9019	6	1	however	however	ADV
ejif-9019	6	2	,	,	PUNCT
ejif-9019	6	3	exploring	explore	VERB
ejif-9019	6	4	islamic	islamic	ADJ
ejif-9019	6	5	financial	financial	ADJ
ejif-9019	6	6	literacy	literacy	NOUN
ejif-9019	6	7	,	,	PUNCT
ejif-9019	6	8	particularly	particularly	ADV
ejif-9019	6	9	in	in	ADP
ejif-9019	6	10	muslim	muslim	ADJ
ejif-9019	6	11	minority	minority	NOUN
ejif-9019	6	12	countries	country	NOUN
ejif-9019	6	13	,	,	PUNCT
ejif-9019	6	14	remains	remain	VERB
ejif-9019	6	15	a	a	DET
ejif-9019	6	16	nascent	nascent	ADJ
ejif-9019	6	17	concept	concept	NOUN
ejif-9019	6	18	.	.	PUNCT
ejif-9019	7	1	furthermore	furthermore	ADV
ejif-9019	7	2	,	,	PUNCT
ejif-9019	7	3	research	research	NOUN
ejif-9019	7	4	on	on	ADP
ejif-9019	7	5	financial	financial	ADJ
ejif-9019	7	6	literacy	literacy	NOUN
ejif-9019	7	7	and	and	CCONJ
ejif-9019	7	8	inclusion	inclusion	NOUN
ejif-9019	7	9	from	from	ADP
ejif-9019	7	10	an	an	DET
ejif-9019	7	11	islamic	islamic	ADJ
ejif-9019	7	12	perspective	perspective	NOUN
ejif-9019	7	13	is	be	AUX
ejif-9019	7	14	limited	limited	ADJ
ejif-9019	7	15	.	.	PUNCT
ejif-9019	8	1	therefore	therefore	ADV
ejif-9019	8	2	,	,	PUNCT
ejif-9019	8	3	this	this	DET
ejif-9019	8	4	research	research	NOUN
ejif-9019	8	5	aims	aim	VERB
ejif-9019	8	6	to	to	PART
ejif-9019	8	7	examine	examine	VERB
ejif-9019	8	8	the	the	DET
ejif-9019	8	9	level	level	NOUN
ejif-9019	8	10	of	of	ADP
ejif-9019	8	11	islamic	islamic	ADJ
ejif-9019	8	12	financial	financial	ADJ
ejif-9019	8	13	literacy	literacy	NOUN
ejif-9019	8	14	,	,	PUNCT
ejif-9019	8	15	inclusion	inclusion	NOUN
ejif-9019	8	16	,	,	PUNCT
ejif-9019	8	17	and	and	CCONJ
ejif-9019	8	18	their	their	PRON
ejif-9019	8	19	relationship	relationship	NOUN
ejif-9019	8	20	in	in	ADP
ejif-9019	8	21	the	the	DET
ejif-9019	8	22	five	five	NUM
ejif-9019	8	23	southernmost	southernmost	NOUN
ejif-9019	8	24	provinces	province	NOUN
ejif-9019	8	25	of	of	ADP
ejif-9019	8	26	thailand	thailand	PROPN
ejif-9019	8	27	.	.	PUNCT
ejif-9019	9	1	a	a	DET
ejif-9019	9	2	mixed	mix	VERB
ejif-9019	9	3	-	-	PUNCT
ejif-9019	9	4	methods	method	NOUN
ejif-9019	9	5	research	research	NOUN
ejif-9019	9	6	design	design	NOUN
ejif-9019	9	7	was	be	AUX
ejif-9019	9	8	employed	employ	VERB
ejif-9019	9	9	,	,	PUNCT
ejif-9019	9	10	using	use	VERB
ejif-9019	9	11	questionnaires	questionnaire	NOUN
ejif-9019	9	12	and	and	CCONJ
ejif-9019	9	13	semi	semi	ADJ
ejif-9019	9	14	-	-	ADJ
ejif-9019	9	15	structured	structured	ADJ
ejif-9019	9	16	interviews	interview	NOUN
ejif-9019	9	17	to	to	PART
ejif-9019	9	18	gather	gather	VERB
ejif-9019	9	19	quantitative	quantitative	ADJ
ejif-9019	9	20	and	and	CCONJ
ejif-9019	9	21	qualitative	qualitative	ADJ
ejif-9019	9	22	data	datum	NOUN
ejif-9019	9	23	.	.	PUNCT
ejif-9019	10	1	based	base	VERB
ejif-9019	10	2	on	on	ADP
ejif-9019	10	3	empirical	empirical	ADJ
ejif-9019	10	4	evidence	evidence	NOUN
ejif-9019	10	5	,	,	PUNCT
ejif-9019	10	6	proactive	proactive	ADJ
ejif-9019	10	7	policy	policy	NOUN
ejif-9019	10	8	recommendations	recommendation	NOUN
ejif-9019	10	9	are	be	AUX
ejif-9019	10	10	proposed	propose	VERB
ejif-9019	10	11	to	to	PART
ejif-9019	10	12	encourage	encourage	VERB
ejif-9019	10	13	islamic	islamic	ADJ
ejif-9019	10	14	financial	financial	ADJ
ejif-9019	10	15	institutions	institution	NOUN
ejif-9019	10	16	to	to	PART
ejif-9019	10	17	increase	increase	VERB
ejif-9019	10	18	islamic	islamic	ADJ
ejif-9019	10	19	financial	financial	ADJ
ejif-9019	10	20	literacy	literacy	NOUN
ejif-9019	10	21	and	and	CCONJ
ejif-9019	10	22	inclusion	inclusion	NOUN
ejif-9019	10	23	by	by	ADP
ejif-9019	10	24	educating	educate	VERB
ejif-9019	10	25	their	their	PRON
ejif-9019	10	26	targeted	target	VERB
ejif-9019	10	27	customers	customer	NOUN
ejif-9019	10	28	and	and	CCONJ
ejif-9019	10	29	developing	develop	VERB
ejif-9019	10	30	products	product	NOUN
ejif-9019	10	31	tailored	tailor	VERB
ejif-9019	10	32	to	to	ADP
ejif-9019	10	33	their	their	PRON
ejif-9019	10	34	needs	need	NOUN
ejif-9019	10	35	.	.	PUNCT
ejif-9019	11	1	this	this	PRON
ejif-9019	11	2	should	should	AUX
ejif-9019	11	3	also	also	ADV
ejif-9019	11	4	emphasise	emphasise	VERB
ejif-9019	11	5	the	the	DET
ejif-9019	11	6	significant	significant	ADJ
ejif-9019	11	7	contribution	contribution	NOUN
ejif-9019	11	8	of	of	ADP
ejif-9019	11	9	higher	high	ADJ
ejif-9019	11	10	education	education	NOUN
ejif-9019	11	11	in	in	ADP
ejif-9019	11	12	implementing	implement	VERB
ejif-9019	11	13	policies	policy	NOUN
ejif-9019	11	14	to	to	PART
ejif-9019	11	15	educate	educate	VERB
ejif-9019	11	16	and	and	CCONJ
ejif-9019	11	17	innovate	innovate	VERB
ejif-9019	11	18	islamic	islamic	ADJ
ejif-9019	11	19	financial	financial	ADJ
ejif-9019	11	20	products	product	NOUN
ejif-9019	11	21	that	that	PRON
ejif-9019	11	22	are	be	AUX
ejif-9019	11	23	compatible	compatible	ADJ
ejif-9019	11	24	with	with	ADP
ejif-9019	11	25	the	the	DET
ejif-9019	11	26	community	community	NOUN
ejif-9019	11	27	's	's	PART
ejif-9019	11	28	requirements	requirement	NOUN
ejif-9019	11	29	.	.	PUNCT
ejif-9019	12	1	to	to	PART
ejif-9019	12	2	support	support	VERB
ejif-9019	12	3	these	these	DET
ejif-9019	12	4	initiatives	initiative	NOUN
ejif-9019	12	5	,	,	PUNCT
ejif-9019	12	6	more	more	ADJ
ejif-9019	12	7	resources	resource	NOUN
ejif-9019	12	8	should	should	AUX
ejif-9019	12	9	be	be	AUX
ejif-9019	12	10	allocated	allocate	VERB
ejif-9019	12	11	to	to	ADP
ejif-9019	12	12	islamic	islamic	ADJ
ejif-9019	12	13	finance	finance	NOUN
ejif-9019	12	14	scholars	scholar	NOUN
ejif-9019	12	15	to	to	PART
ejif-9019	12	16	enable	enable	VERB
ejif-9019	12	17	them	they	PRON
ejif-9019	12	18	to	to	PART
ejif-9019	12	19	organise	organise	VERB
ejif-9019	12	20	seminars	seminar	NOUN
ejif-9019	12	21	to	to	PART
ejif-9019	12	22	increase	increase	VERB
ejif-9019	12	23	islamic	islamic	ADJ
ejif-9019	12	24	financial	financial	ADJ
ejif-9019	12	25	knowledge	knowledge	NOUN
ejif-9019	12	26	among	among	ADP
ejif-9019	12	27	the	the	DET
ejif-9019	12	28	public	public	NOUN
ejif-9019	12	29	.	.	PUNCT
ejif-9019	13	1	additionally	additionally	ADV
ejif-9019	13	2	,	,	PUNCT
ejif-9019	13	3	an	an	DET
ejif-9019	13	4	information	information	NOUN
ejif-9019	13	5	centre	centre	NOUN
ejif-9019	13	6	could	could	AUX
ejif-9019	13	7	be	be	AUX
ejif-9019	13	8	established	establish	VERB
ejif-9019	13	9	to	to	PART
ejif-9019	13	10	gather	gather	VERB
ejif-9019	13	11	statistical	statistical	ADJ
ejif-9019	13	12	data	datum	NOUN
ejif-9019	13	13	related	relate	VERB
ejif-9019	13	14	to	to	ADP
ejif-9019	13	15	the	the	DET
ejif-9019	13	16	islamic	islamic	ADJ
ejif-9019	13	17	financial	financial	ADJ
ejif-9019	13	18	sector	sector	NOUN
ejif-9019	13	19	in	in	ADP
ejif-9019	13	20	a	a	DET
ejif-9019	13	21	specific	specific	ADJ
ejif-9019	13	22	region	region	NOUN
ejif-9019	13	23	to	to	PART
ejif-9019	13	24	facilitate	facilitate	VERB
ejif-9019	13	25	the	the	DET
ejif-9019	13	26	creation	creation	NOUN
ejif-9019	13	27	of	of	ADP
ejif-9019	13	28	islamic	islamic	ADJ
ejif-9019	13	29	financial	financial	ADJ
ejif-9019	13	30	products	product	NOUN
ejif-9019	13	31	that	that	PRON
ejif-9019	13	32	meet	meet	VERB
ejif-9019	13	33	customers	customer	NOUN
ejif-9019	13	34	'	'	PART
ejif-9019	13	35	demands	demand	NOUN
ejif-9019	13	36	.	.	PUNCT
ejif-9019	14	1	keywords	keyword	NOUN
ejif-9019	14	2	:	:	PUNCT
ejif-9019	14	3	islamic	islamic	ADJ
ejif-9019	14	4	financial	financial	ADJ
ejif-9019	14	5	literacy	literacy	NOUN
ejif-9019	14	6	;	;	PUNCT
ejif-9019	14	7	inclusion	inclusion	NOUN
ejif-9019	14	8	;	;	PUNCT
ejif-9019	14	9	sustainable	sustainable	ADJ
ejif-9019	14	10	;	;	PUNCT
ejif-9019	14	11	innovation	innovation	NOUN
ejif-9019	14	12	;	;	PUNCT
ejif-9019	14	13	thailand	thailand	PROPN
ejif-9019	14	14	;	;	PUNCT
ejif-9019	14	15	islamic	islamic	ADJ
ejif-9019	14	16	finance	finance	PROPN
ejif-9019	14	17	european	european	PROPN
ejif-9019	14	18	journal	journal	PROPN
ejif-9019	14	19	of	of	ADP
ejif-9019	14	20	islamic	islamic	PROPN
ejif-9019	14	21	finance	finance	PROPN
ejif-9019	14	22	issn	issn	PROPN
ejif-9019	14	23	:	:	PUNCT
ejif-9019	14	24	2421	2421	NUM
ejif-9019	14	25	-	-	SYM
ejif-9019	14	26	2172	2172	NUM
ejif-9019	14	27	doi	doi	NOUN
ejif-9019	14	28	:	:	PUNCT
ejif-9019	14	29	10.13135/2421	10.13135/2421	NUM
ejif-9019	14	30	-	-	SYM
ejif-9019	14	31	2172/9019	2172/9019	NUM
ejif-9019	14	32	published	publish	VERB
ejif-9019	14	33	by	by	ADP
ejif-9019	14	34	university	university	PROPN
ejif-9019	14	35	of	of	ADP
ejif-9019	14	36	turin	turin	PROPN
ejif-9019	15	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	15	2	ejif	ejif	PROPN
ejif-9019	15	3	content	content	NOUN
ejif-9019	15	4	is	be	AUX
ejif-9019	15	5	licensed	license	VERB
ejif-9019	15	6	under	under	ADP
ejif-9019	15	7	a	a	DET
ejif-9019	15	8	creative	creative	ADJ
ejif-9019	15	9	commons	common	NOUN
ejif-9019	15	10	attribution	attribution	NOUN
ejif-9019	15	11	4.0	4.0	NUM
ejif-9019	15	12	international	international	ADJ
ejif-9019	15	13	license	license	NOUN
ejif-9019	15	14	2	2	NUM
ejif-9019	15	15	1	1	NUM
ejif-9019	15	16	.	.	PUNCT
ejif-9019	16	1	introduction	introduction	NOUN
ejif-9019	16	2	financial	financial	ADJ
ejif-9019	16	3	literacy	literacy	NOUN
ejif-9019	16	4	and	and	CCONJ
ejif-9019	16	5	financial	financial	ADJ
ejif-9019	16	6	inclusion	inclusion	NOUN
ejif-9019	16	7	are	be	AUX
ejif-9019	16	8	widely	widely	ADV
ejif-9019	16	9	recognised	recognise	VERB
ejif-9019	16	10	as	as	ADP
ejif-9019	16	11	crucial	crucial	ADJ
ejif-9019	16	12	goals	goal	NOUN
ejif-9019	16	13	in	in	ADP
ejif-9019	16	14	thailand	thailand	PROPN
ejif-9019	16	15	’s	’s	PART
ejif-9019	16	16	development	development	NOUN
ejif-9019	16	17	agenda	agenda	NOUN
ejif-9019	16	18	.	.	PUNCT
ejif-9019	17	1	according	accord	VERB
ejif-9019	17	2	to	to	ADP
ejif-9019	17	3	the	the	DET
ejif-9019	17	4	international	international	ADJ
ejif-9019	17	5	survey	survey	NOUN
ejif-9019	17	6	of	of	ADP
ejif-9019	17	7	adult	adult	NOUN
ejif-9019	17	8	financial	financial	ADJ
ejif-9019	17	9	literacy	literacy	NOUN
ejif-9019	17	10	competencies	competency	NOUN
ejif-9019	17	11	conducted	conduct	VERB
ejif-9019	17	12	by	by	ADP
ejif-9019	17	13	the	the	DET
ejif-9019	17	14	organisation	organisation	NOUN
ejif-9019	17	15	for	for	ADP
ejif-9019	17	16	economic	economic	ADJ
ejif-9019	17	17	cooperation	cooperation	NOUN
ejif-9019	17	18	and	and	CCONJ
ejif-9019	17	19	development	development	NOUN
ejif-9019	17	20	(	(	PUNCT
ejif-9019	17	21	oecd	oecd	PROPN
ejif-9019	17	22	)	)	PUNCT
ejif-9019	17	23	/	/	SYM
ejif-9019	17	24	international	international	ADJ
ejif-9019	17	25	network	network	NOUN
ejif-9019	17	26	on	on	ADP
ejif-9019	17	27	financial	financial	ADJ
ejif-9019	17	28	education	education	NOUN
ejif-9019	17	29	(	(	PUNCT
ejif-9019	17	30	infe	infe	NOUN
ejif-9019	17	31	)	)	PUNCT
ejif-9019	17	32	in	in	ADP
ejif-9019	17	33	2016	2016	NUM
ejif-9019	17	34	,	,	PUNCT
ejif-9019	17	35	thailand	thailand	PROPN
ejif-9019	17	36	’s	’s	PART
ejif-9019	17	37	financial	financial	ADJ
ejif-9019	17	38	literacy	literacy	NOUN
ejif-9019	17	39	scores	score	NOUN
ejif-9019	17	40	are	be	AUX
ejif-9019	17	41	lower	low	ADJ
ejif-9019	17	42	than	than	ADP
ejif-9019	17	43	the	the	DET
ejif-9019	17	44	global	global	ADJ
ejif-9019	17	45	average	average	NOUN
ejif-9019	17	46	.	.	PUNCT
ejif-9019	18	1	nevertheless	nevertheless	ADV
ejif-9019	18	2	,	,	PUNCT
ejif-9019	18	3	the	the	DET
ejif-9019	18	4	bank	bank	NOUN
ejif-9019	18	5	of	of	ADP
ejif-9019	18	6	thailand	thailand	PROPN
ejif-9019	18	7	's	's	PART
ejif-9019	18	8	financial	financial	ADJ
ejif-9019	18	9	inclusion	inclusion	NOUN
ejif-9019	18	10	survey	survey	NOUN
ejif-9019	18	11	revealed	reveal	VERB
ejif-9019	18	12	that	that	SCONJ
ejif-9019	18	13	the	the	DET
ejif-9019	18	14	financial	financial	ADJ
ejif-9019	18	15	access	access	NOUN
ejif-9019	18	16	of	of	ADP
ejif-9019	18	17	thai	thai	ADJ
ejif-9019	18	18	households	household	NOUN
ejif-9019	18	19	increased	increase	VERB
ejif-9019	18	20	from	from	ADP
ejif-9019	18	21	98.7	98.7	NUM
ejif-9019	18	22	%	%	NOUN
ejif-9019	18	23	in	in	ADP
ejif-9019	18	24	2018	2018	NUM
ejif-9019	18	25	to	to	ADP
ejif-9019	18	26	99.7	99.7	NUM
ejif-9019	18	27	%	%	NOUN
ejif-9019	18	28	in	in	ADP
ejif-9019	18	29	2020	2020	NUM
ejif-9019	18	30	(	(	PUNCT
ejif-9019	18	31	bank	bank	NOUN
ejif-9019	18	32	of	of	ADP
ejif-9019	18	33	thailand	thailand	PROPN
ejif-9019	18	34	,	,	PUNCT
ejif-9019	18	35	2020	2020	NUM
ejif-9019	18	36	)	)	PUNCT
ejif-9019	18	37	.	.	PUNCT
ejif-9019	19	1	these	these	DET
ejif-9019	19	2	data	datum	NOUN
ejif-9019	19	3	indicate	indicate	VERB
ejif-9019	19	4	that	that	SCONJ
ejif-9019	19	5	many	many	ADJ
ejif-9019	19	6	financial	financial	ADJ
ejif-9019	19	7	customers	customer	NOUN
ejif-9019	19	8	in	in	ADP
ejif-9019	19	9	thailand	thailand	PROPN
ejif-9019	19	10	may	may	AUX
ejif-9019	19	11	not	not	PART
ejif-9019	19	12	be	be	AUX
ejif-9019	19	13	financially	financially	ADV
ejif-9019	19	14	literate	literate	ADJ
ejif-9019	19	15	.	.	PUNCT
ejif-9019	20	1	however	however	ADV
ejif-9019	20	2	,	,	PUNCT
ejif-9019	20	3	there	there	PRON
ejif-9019	20	4	is	be	VERB
ejif-9019	20	5	an	an	DET
ejif-9019	20	6	absence	absence	NOUN
ejif-9019	20	7	of	of	ADP
ejif-9019	20	8	information	information	NOUN
ejif-9019	20	9	relating	relate	VERB
ejif-9019	20	10	to	to	ADP
ejif-9019	20	11	islamic	islamic	ADJ
ejif-9019	20	12	financial	financial	ADJ
ejif-9019	20	13	literacy	literacy	NOUN
ejif-9019	20	14	(	(	PUNCT
ejif-9019	20	15	ifl	ifl	PROPN
ejif-9019	20	16	)	)	PUNCT
ejif-9019	20	17	and	and	CCONJ
ejif-9019	20	18	islamic	islamic	ADJ
ejif-9019	20	19	financial	financial	ADJ
ejif-9019	20	20	inclusion	inclusion	NOUN
ejif-9019	20	21	(	(	PUNCT
ejif-9019	20	22	ifi	ifi	PROPN
ejif-9019	20	23	)	)	PUNCT
ejif-9019	20	24	among	among	ADP
ejif-9019	20	25	thai	thai	ADJ
ejif-9019	20	26	muslims	muslims	PROPN
ejif-9019	20	27	.	.	PUNCT
ejif-9019	21	1	moreover	moreover	ADV
ejif-9019	21	2	,	,	PUNCT
ejif-9019	21	3	the	the	DET
ejif-9019	21	4	existing	exist	VERB
ejif-9019	21	5	surveys	survey	NOUN
ejif-9019	21	6	are	be	AUX
ejif-9019	21	7	based	base	VERB
ejif-9019	21	8	on	on	ADP
ejif-9019	21	9	the	the	DET
ejif-9019	21	10	conventional	conventional	ADJ
ejif-9019	21	11	model	model	NOUN
ejif-9019	21	12	that	that	PRON
ejif-9019	21	13	excludes	exclude	VERB
ejif-9019	21	14	the	the	DET
ejif-9019	21	15	beliefs	belief	NOUN
ejif-9019	21	16	of	of	ADP
ejif-9019	21	17	muslim	muslim	PROPN
ejif-9019	21	18	respondents	respondent	NOUN
ejif-9019	21	19	.	.	PUNCT
ejif-9019	22	1	therefore	therefore	ADV
ejif-9019	22	2	,	,	PUNCT
ejif-9019	22	3	this	this	DET
ejif-9019	22	4	study	study	NOUN
ejif-9019	22	5	is	be	AUX
ejif-9019	22	6	conducted	conduct	VERB
ejif-9019	22	7	to	to	PART
ejif-9019	22	8	identify	identify	VERB
ejif-9019	22	9	how	how	SCONJ
ejif-9019	22	10	well	well	ADV
ejif-9019	22	11	thai	thai	ADJ
ejif-9019	22	12	muslims	muslims	PROPN
ejif-9019	22	13	understand	understand	VERB
ejif-9019	22	14	the	the	DET
ejif-9019	22	15	concept	concept	NOUN
ejif-9019	22	16	of	of	ADP
ejif-9019	22	17	islamic	islamic	ADJ
ejif-9019	22	18	finance	finance	NOUN
ejif-9019	22	19	and	and	CCONJ
ejif-9019	22	20	how	how	SCONJ
ejif-9019	22	21	many	many	ADJ
ejif-9019	22	22	have	have	VERB
ejif-9019	22	23	access	access	NOUN
ejif-9019	22	24	to	to	ADP
ejif-9019	22	25	islamic	islamic	ADJ
ejif-9019	22	26	financial	financial	ADJ
ejif-9019	22	27	services	service	NOUN
ejif-9019	22	28	.	.	PUNCT
ejif-9019	23	1	in	in	ADP
ejif-9019	23	2	thailand	thailand	PROPN
ejif-9019	23	3	,	,	PUNCT
ejif-9019	23	4	islam	islam	PROPN
ejif-9019	23	5	is	be	AUX
ejif-9019	23	6	the	the	DET
ejif-9019	23	7	largest	large	ADJ
ejif-9019	23	8	minority	minority	NOUN
ejif-9019	23	9	faith	faith	NOUN
ejif-9019	23	10	;	;	PUNCT
ejif-9019	23	11	there	there	PRON
ejif-9019	23	12	are	be	VERB
ejif-9019	23	13	approximately	approximately	ADV
ejif-9019	23	14	3.2	3.2	NUM
ejif-9019	23	15	million	million	NUM
ejif-9019	23	16	muslims	muslim	NOUN
ejif-9019	23	17	or	or	CCONJ
ejif-9019	23	18	4.9	4.9	NUM
ejif-9019	23	19	%	%	NOUN
ejif-9019	23	20	of	of	ADP
ejif-9019	23	21	the	the	DET
ejif-9019	23	22	total	total	ADJ
ejif-9019	23	23	population	population	NOUN
ejif-9019	23	24	.	.	PUNCT
ejif-9019	24	1	about	about	ADV
ejif-9019	24	2	two	two	NUM
ejif-9019	24	3	-	-	PUNCT
ejif-9019	24	4	thirds	third	NOUN
ejif-9019	24	5	live	live	VERB
ejif-9019	24	6	in	in	ADP
ejif-9019	24	7	the	the	DET
ejif-9019	24	8	five	five	NUM
ejif-9019	24	9	southernmost	southernmost	NOUN
ejif-9019	24	10	provinces	province	NOUN
ejif-9019	24	11	,	,	PUNCT
ejif-9019	24	12	namely	namely	ADV
ejif-9019	24	13	pattani	pattani	ADJ
ejif-9019	24	14	,	,	PUNCT
ejif-9019	24	15	yala	yala	PROPN
ejif-9019	24	16	,	,	PUNCT
ejif-9019	24	17	narathiwat	narathiwat	ADJ
ejif-9019	24	18	,	,	PUNCT
ejif-9019	24	19	satun	satun	PROPN
ejif-9019	24	20	,	,	PUNCT
ejif-9019	24	21	and	and	CCONJ
ejif-9019	24	22	songkhla	songkhla	VERB
ejif-9019	24	23	(	(	PUNCT
ejif-9019	24	24	national	national	ADJ
ejif-9019	24	25	statistical	statistical	ADJ
ejif-9019	24	26	office	office	NOUN
ejif-9019	24	27	,	,	PUNCT
ejif-9019	24	28	2010	2010	NUM
ejif-9019	24	29	cited	cite	VERB
ejif-9019	24	30	in	in	ADP
ejif-9019	24	31	pattani	pattani	ADJ
ejif-9019	24	32	economy	economy	NOUN
ejif-9019	24	33	,	,	PUNCT
ejif-9019	24	34	2019	2019	NUM
ejif-9019	24	35	)	)	PUNCT
ejif-9019	24	36	.	.	PUNCT
ejif-9019	25	1	muslims	muslim	NOUN
ejif-9019	25	2	in	in	ADP
ejif-9019	25	3	thailand	thailand	PROPN
ejif-9019	25	4	enjoy	enjoy	VERB
ejif-9019	25	5	the	the	DET
ejif-9019	25	6	same	same	ADJ
ejif-9019	25	7	protection	protection	NOUN
ejif-9019	25	8	and	and	CCONJ
ejif-9019	25	9	support	support	NOUN
ejif-9019	25	10	granted	grant	VERB
ejif-9019	25	11	to	to	ADP
ejif-9019	25	12	every	every	DET
ejif-9019	25	13	civilian	civilian	NOUN
ejif-9019	25	14	.	.	PUNCT
ejif-9019	26	1	they	they	PRON
ejif-9019	26	2	can	can	AUX
ejif-9019	26	3	practice	practice	VERB
ejif-9019	26	4	their	their	PRON
ejif-9019	26	5	faith	faith	NOUN
ejif-9019	26	6	and	and	CCONJ
ejif-9019	26	7	participate	participate	VERB
ejif-9019	26	8	in	in	ADP
ejif-9019	26	9	religious	religious	ADJ
ejif-9019	26	10	and	and	CCONJ
ejif-9019	26	11	social	social	ADJ
ejif-9019	26	12	activities	activity	NOUN
ejif-9019	26	13	.	.	PUNCT
ejif-9019	27	1	additionally	additionally	ADV
ejif-9019	27	2	,	,	PUNCT
ejif-9019	27	3	without	without	ADP
ejif-9019	27	4	any	any	DET
ejif-9019	27	5	discrimination	discrimination	NOUN
ejif-9019	27	6	,	,	PUNCT
ejif-9019	27	7	they	they	PRON
ejif-9019	27	8	are	be	AUX
ejif-9019	27	9	entitled	entitle	VERB
ejif-9019	27	10	to	to	ADP
ejif-9019	27	11	the	the	DET
ejif-9019	27	12	same	same	ADJ
ejif-9019	27	13	political	political	ADJ
ejif-9019	27	14	rights	right	NOUN
ejif-9019	27	15	as	as	ADP
ejif-9019	27	16	other	other	ADJ
ejif-9019	27	17	citizens	citizen	NOUN
ejif-9019	27	18	in	in	ADP
ejif-9019	27	19	the	the	DET
ejif-9019	27	20	democratic	democratic	ADJ
ejif-9019	27	21	system	system	NOUN
ejif-9019	27	22	,	,	PUNCT
ejif-9019	27	23	with	with	ADP
ejif-9019	27	24	the	the	DET
ejif-9019	27	25	king	king	NOUN
ejif-9019	27	26	as	as	ADP
ejif-9019	27	27	the	the	DET
ejif-9019	27	28	head	head	NOUN
ejif-9019	27	29	of	of	ADP
ejif-9019	27	30	state	state	NOUN
ejif-9019	27	31	.	.	PUNCT
ejif-9019	28	1	islamic	islamic	ADJ
ejif-9019	28	2	finance	finance	PROPN
ejif-9019	28	3	was	be	AUX
ejif-9019	28	4	first	first	ADV
ejif-9019	28	5	introduced	introduce	VERB
ejif-9019	28	6	in	in	ADP
ejif-9019	28	7	the	the	DET
ejif-9019	28	8	country	country	NOUN
ejif-9019	28	9	in	in	ADP
ejif-9019	28	10	1987	1987	NUM
ejif-9019	28	11	when	when	SCONJ
ejif-9019	28	12	a	a	DET
ejif-9019	28	13	group	group	NOUN
ejif-9019	28	14	of	of	ADP
ejif-9019	28	15	dedicated	dedicated	ADJ
ejif-9019	28	16	muslims	muslims	PROPN
ejif-9019	28	17	founded	found	VERB
ejif-9019	28	18	the	the	DET
ejif-9019	28	19	pattani	pattani	NOUN
ejif-9019	28	20	islamic	islamic	PROPN
ejif-9019	28	21	saving	saving	PROPN
ejif-9019	28	22	cooperative	cooperative	NOUN
ejif-9019	28	23	to	to	PART
ejif-9019	28	24	manage	manage	VERB
ejif-9019	28	25	funds	fund	NOUN
ejif-9019	28	26	in	in	ADP
ejif-9019	28	27	the	the	DET
ejif-9019	28	28	area	area	NOUN
ejif-9019	28	29	.	.	PUNCT
ejif-9019	29	1	since	since	SCONJ
ejif-9019	29	2	then	then	ADV
ejif-9019	29	3	,	,	PUNCT
ejif-9019	29	4	the	the	DET
ejif-9019	29	5	thai	thai	ADJ
ejif-9019	29	6	government	government	NOUN
ejif-9019	29	7	has	have	AUX
ejif-9019	29	8	noticed	notice	VERB
ejif-9019	29	9	the	the	DET
ejif-9019	29	10	importance	importance	NOUN
ejif-9019	29	11	of	of	ADP
ejif-9019	29	12	islamic	islamic	ADJ
ejif-9019	29	13	finance	finance	NOUN
ejif-9019	29	14	after	after	ADP
ejif-9019	29	15	the	the	DET
ejif-9019	29	16	signing	signing	NOUN
ejif-9019	29	17	ceremony	ceremony	NOUN
ejif-9019	29	18	of	of	ADP
ejif-9019	29	19	the	the	DET
ejif-9019	29	20	indonesia	indonesia	PROPN
ejif-9019	29	21	-	-	PROPN
ejif-9019	29	22	malaysia	malaysia	PROPN
ejif-9019	29	23	thailandgrowth	thailandgrowth	NOUN
ejif-9019	29	24	triangle	triangle	NOUN
ejif-9019	29	25	(	(	PUNCT
ejif-9019	29	26	imt	imt	PROPN
ejif-9019	29	27	-	-	PUNCT
ejif-9019	29	28	gt	gt	PROPN
ejif-9019	29	29	)	)	PUNCT
ejif-9019	29	30	in	in	ADP
ejif-9019	29	31	1994	1994	NUM
ejif-9019	29	32	.	.	PUNCT
ejif-9019	30	1	the	the	DET
ejif-9019	30	2	two	two	NUM
ejif-9019	30	3	primary	primary	ADJ
ejif-9019	30	4	reasons	reason	NOUN
ejif-9019	30	5	for	for	SCONJ
ejif-9019	30	6	the	the	DET
ejif-9019	30	7	government	government	NOUN
ejif-9019	30	8	to	to	PART
ejif-9019	30	9	initiate	initiate	VERB
ejif-9019	30	10	islamic	islamic	ADJ
ejif-9019	30	11	financial	financial	ADJ
ejif-9019	30	12	institutions	institution	NOUN
ejif-9019	30	13	in	in	ADP
ejif-9019	30	14	thailand	thailand	PROPN
ejif-9019	30	15	were	be	AUX
ejif-9019	30	16	to	to	PART
ejif-9019	30	17	provide	provide	VERB
ejif-9019	30	18	shari’ah	shari’ah	NOUN
ejif-9019	30	19	-	-	PUNCT
ejif-9019	30	20	compliant	compliant	ADJ
ejif-9019	30	21	financial	financial	ADJ
ejif-9019	30	22	services	service	NOUN
ejif-9019	30	23	to	to	ADP
ejif-9019	30	24	thai	thai	ADJ
ejif-9019	30	25	muslims	muslims	PROPN
ejif-9019	30	26	and	and	CCONJ
ejif-9019	30	27	to	to	PART
ejif-9019	30	28	establish	establish	VERB
ejif-9019	30	29	financial	financial	ADJ
ejif-9019	30	30	institutions	institution	NOUN
ejif-9019	30	31	that	that	PRON
ejif-9019	30	32	link	link	VERB
ejif-9019	30	33	to	to	ADP
ejif-9019	30	34	imt	imt	PROPN
ejif-9019	30	35	-	-	PUNCT
ejif-9019	30	36	gt	gt	PROPN
ejif-9019	30	37	members	member	NOUN
ejif-9019	30	38	and	and	CCONJ
ejif-9019	30	39	the	the	DET
ejif-9019	30	40	muslim	muslim	ADJ
ejif-9019	30	41	world	world	NOUN
ejif-9019	30	42	.	.	PUNCT
ejif-9019	31	1	after	after	ADP
ejif-9019	31	2	the	the	DET
ejif-9019	31	3	1998	1998	NUM
ejif-9019	31	4	asian	asian	ADJ
ejif-9019	31	5	financial	financial	ADJ
ejif-9019	31	6	crisis	crisis	NOUN
ejif-9019	31	7	,	,	PUNCT
ejif-9019	31	8	the	the	DET
ejif-9019	31	9	government	government	NOUN
ejif-9019	31	10	looked	look	VERB
ejif-9019	31	11	at	at	ADP
ejif-9019	31	12	islamic	islamic	ADJ
ejif-9019	31	13	finance	finance	NOUN
ejif-9019	31	14	from	from	ADP
ejif-9019	31	15	different	different	ADJ
ejif-9019	31	16	perspectives	perspective	NOUN
ejif-9019	31	17	and	and	CCONJ
ejif-9019	31	18	recognised	recognise	VERB
ejif-9019	31	19	its	its	PRON
ejif-9019	31	20	potential	potential	NOUN
ejif-9019	31	21	as	as	ADP
ejif-9019	31	22	an	an	DET
ejif-9019	31	23	alternative	alternative	ADJ
ejif-9019	31	24	financial	financial	ADJ
ejif-9019	31	25	system	system	NOUN
ejif-9019	31	26	(	(	PUNCT
ejif-9019	31	27	sitthivanich	sitthivanich	PROPN
ejif-9019	31	28	and	and	CCONJ
ejif-9019	31	29	hassan	hassan	PROPN
ejif-9019	31	30	,	,	PUNCT
ejif-9019	31	31	2018	2018	NUM
ejif-9019	31	32	)	)	PUNCT
ejif-9019	31	33	.	.	PUNCT
ejif-9019	32	1	this	this	DET
ejif-9019	32	2	study	study	NOUN
ejif-9019	32	3	was	be	AUX
ejif-9019	32	4	conducted	conduct	VERB
ejif-9019	32	5	in	in	ADP
ejif-9019	32	6	2020	2020	NUM
ejif-9019	32	7	and	and	CCONJ
ejif-9019	32	8	2022	2022	NUM
ejif-9019	32	9	based	base	VERB
ejif-9019	32	10	on	on	ADP
ejif-9019	32	11	data	datum	NOUN
ejif-9019	32	12	collected	collect	VERB
ejif-9019	32	13	from	from	ADP
ejif-9019	32	14	muslim	muslim	ADJ
ejif-9019	32	15	and	and	CCONJ
ejif-9019	32	16	islamic	islamic	ADJ
ejif-9019	32	17	financial	financial	ADJ
ejif-9019	32	18	-	-	PUNCT
ejif-9019	32	19	related	relate	VERB
ejif-9019	32	20	organisations	organisation	NOUN
ejif-9019	32	21	in	in	ADP
ejif-9019	32	22	thailand	thailand	PROPN
ejif-9019	32	23	's	's	PART
ejif-9019	32	24	five	five	NUM
ejif-9019	32	25	southernmost	southernmost	NOUN
ejif-9019	32	26	provinces	province	NOUN
ejif-9019	32	27	.	.	PUNCT
ejif-9019	33	1	given	give	VERB
ejif-9019	33	2	the	the	DET
ejif-9019	33	3	potential	potential	NOUN
ejif-9019	33	4	of	of	ADP
ejif-9019	33	5	islamic	islamic	ADJ
ejif-9019	33	6	finance	finance	NOUN
ejif-9019	33	7	in	in	ADP
ejif-9019	33	8	a	a	DET
ejif-9019	33	9	muslim	muslim	ADJ
ejif-9019	33	10	minority	minority	NOUN
ejif-9019	33	11	country	country	NOUN
ejif-9019	33	12	like	like	ADP
ejif-9019	33	13	thailand	thailand	PROPN
ejif-9019	33	14	,	,	PUNCT
ejif-9019	33	15	it	it	PRON
ejif-9019	33	16	could	could	AUX
ejif-9019	33	17	be	be	AUX
ejif-9019	33	18	utilised	utilise	VERB
ejif-9019	33	19	as	as	ADP
ejif-9019	33	20	a	a	DET
ejif-9019	33	21	sustainable	sustainable	ADJ
ejif-9019	33	22	tool	tool	NOUN
ejif-9019	33	23	to	to	PART
ejif-9019	33	24	promote	promote	VERB
ejif-9019	33	25	business	business	NOUN
ejif-9019	33	26	opportunities	opportunity	NOUN
ejif-9019	33	27	for	for	ADP
ejif-9019	33	28	all	all	DET
ejif-9019	33	29	groups	group	NOUN
ejif-9019	33	30	of	of	ADP
ejif-9019	33	31	people	people	NOUN
ejif-9019	33	32	while	while	SCONJ
ejif-9019	33	33	also	also	ADV
ejif-9019	33	34	stimulating	stimulate	VERB
ejif-9019	33	35	economic	economic	ADJ
ejif-9019	33	36	growth	growth	NOUN
ejif-9019	33	37	in	in	ADP
ejif-9019	33	38	the	the	DET
ejif-9019	33	39	wider	wide	ADJ
ejif-9019	33	40	community	community	NOUN
ejif-9019	33	41	.	.	PUNCT
ejif-9019	34	1	the	the	DET
ejif-9019	34	2	rest	rest	NOUN
ejif-9019	34	3	of	of	ADP
ejif-9019	34	4	the	the	DET
ejif-9019	34	5	paper	paper	NOUN
ejif-9019	34	6	is	be	AUX
ejif-9019	34	7	organised	organise	VERB
ejif-9019	34	8	as	as	SCONJ
ejif-9019	34	9	follows	follow	VERB
ejif-9019	34	10	.	.	PUNCT
ejif-9019	35	1	the	the	DET
ejif-9019	35	2	next	next	ADJ
ejif-9019	35	3	section	section	NOUN
ejif-9019	35	4	provides	provide	VERB
ejif-9019	35	5	a	a	DET
ejif-9019	35	6	background	background	NOUN
ejif-9019	35	7	of	of	ADP
ejif-9019	35	8	the	the	DET
ejif-9019	35	9	literature	literature	PROPN
ejif-9019	35	10	review	review	PROPN
ejif-9019	35	11	.	.	PUNCT
ejif-9019	36	1	section	section	NOUN
ejif-9019	36	2	three	three	NUM
ejif-9019	36	3	provides	provide	VERB
ejif-9019	36	4	the	the	DET
ejif-9019	36	5	methodological	methodological	ADJ
ejif-9019	36	6	design	design	NOUN
ejif-9019	36	7	and	and	CCONJ
ejif-9019	36	8	approach	approach	NOUN
ejif-9019	36	9	of	of	ADP
ejif-9019	36	10	this	this	DET
ejif-9019	36	11	study	study	NOUN
ejif-9019	36	12	.	.	PUNCT
ejif-9019	37	1	section	section	NOUN
ejif-9019	37	2	four	four	NUM
ejif-9019	37	3	shares	share	NOUN
ejif-9019	37	4	the	the	DET
ejif-9019	37	5	main	main	ADJ
ejif-9019	37	6	results	result	NOUN
ejif-9019	37	7	achieved	achieve	VERB
ejif-9019	37	8	.	.	PUNCT
ejif-9019	38	1	then	then	ADV
ejif-9019	38	2	,	,	PUNCT
ejif-9019	38	3	section	section	NOUN
ejif-9019	38	4	five	five	NUM
ejif-9019	38	5	discusses	discuss	VERB
ejif-9019	38	6	the	the	DET
ejif-9019	38	7	main	main	ADJ
ejif-9019	38	8	results	result	NOUN
ejif-9019	38	9	,	,	PUNCT
ejif-9019	38	10	considering	consider	VERB
ejif-9019	38	11	the	the	DET
ejif-9019	38	12	theoretical	theoretical	ADJ
ejif-9019	38	13	background	background	NOUN
ejif-9019	38	14	.	.	PUNCT
ejif-9019	39	1	finally	finally	ADV
ejif-9019	39	2	,	,	PUNCT
ejif-9019	39	3	section	section	NOUN
ejif-9019	39	4	six	six	NUM
ejif-9019	39	5	concludes	conclude	VERB
ejif-9019	39	6	the	the	DET
ejif-9019	39	7	paper	paper	NOUN
ejif-9019	39	8	.	.	PUNCT
ejif-9019	40	1	2	2	X
ejif-9019	40	2	.	.	X
ejif-9019	40	3	literature	literature	NOUN
ejif-9019	40	4	review	review	VERB
ejif-9019	40	5	an	an	DET
ejif-9019	40	6	in	in	ADP
ejif-9019	40	7	-	-	PUNCT
ejif-9019	40	8	depth	depth	NOUN
ejif-9019	40	9	review	review	NOUN
ejif-9019	40	10	of	of	ADP
ejif-9019	40	11	the	the	DET
ejif-9019	40	12	existing	exist	VERB
ejif-9019	40	13	literature	literature	NOUN
ejif-9019	40	14	indicates	indicate	VERB
ejif-9019	40	15	that	that	SCONJ
ejif-9019	40	16	the	the	DET
ejif-9019	40	17	research	research	NOUN
ejif-9019	40	18	on	on	ADP
ejif-9019	40	19	ifl	ifl	PROPN
ejif-9019	40	20	can	can	AUX
ejif-9019	40	21	be	be	AUX
ejif-9019	40	22	treated	treat	VERB
ejif-9019	40	23	as	as	ADP
ejif-9019	40	24	a	a	DET
ejif-9019	40	25	new	new	ADJ
ejif-9019	40	26	topic	topic	NOUN
ejif-9019	40	27	brought	bring	VERB
ejif-9019	40	28	into	into	ADP
ejif-9019	40	29	islamic	islamic	ADJ
ejif-9019	40	30	finance	finance	NOUN
ejif-9019	40	31	.	.	PUNCT
ejif-9019	41	1	this	this	PRON
ejif-9019	41	2	is	be	AUX
ejif-9019	41	3	evident	evident	ADJ
ejif-9019	41	4	when	when	SCONJ
ejif-9019	41	5	kayed	kayed	ADJ
ejif-9019	41	6	(	(	PUNCT
ejif-9019	41	7	2008	2008	NUM
ejif-9019	41	8	)	)	PUNCT
ejif-9019	41	9	asked	ask	VERB
ejif-9019	41	10	“	"	PUNCT
ejif-9019	41	11	if	if	SCONJ
ejif-9019	41	12	there	there	PRON
ejif-9019	41	13	are	be	VERB
ejif-9019	41	14	any	any	DET
ejif-9019	41	15	attempts	attempt	NOUN
ejif-9019	41	16	by	by	ADP
ejif-9019	41	17	the	the	DET
ejif-9019	41	18	research	research	NOUN
ejif-9019	41	19	community	community	NOUN
ejif-9019	41	20	to	to	PART
ejif-9019	41	21	assess	assess	VERB
ejif-9019	41	22	levels	level	NOUN
ejif-9019	41	23	of	of	ADP
ejif-9019	41	24	ifl	ifl	PROPN
ejif-9019	41	25	in	in	ADP
ejif-9019	41	26	various	various	ADJ
ejif-9019	41	27	muslim	muslim	ADJ
ejif-9019	41	28	communities	community	NOUN
ejif-9019	41	29	.	.	PUNCT
ejif-9019	41	30	”	"	PUNCT
ejif-9019	42	1	two	two	NUM
ejif-9019	42	2	years	year	NOUN
ejif-9019	42	3	later	later	ADV
ejif-9019	42	4	,	,	PUNCT
ejif-9019	42	5	ahmad	ahmad	PROPN
ejif-9019	42	6	(	(	PUNCT
ejif-9019	42	7	2010	2010	NUM
ejif-9019	42	8	)	)	PUNCT
ejif-9019	42	9	,	,	PUNCT
ejif-9019	42	10	in	in	ADP
ejif-9019	42	11	his	his	PRON
ejif-9019	42	12	paper	paper	NOUN
ejif-9019	42	13	,	,	PUNCT
ejif-9019	42	14	drew	draw	VERB
ejif-9019	42	15	attention	attention	NOUN
ejif-9019	42	16	to	to	ADP
ejif-9019	42	17	the	the	DET
ejif-9019	42	18	essentials	essential	NOUN
ejif-9019	42	19	of	of	ADP
ejif-9019	42	20	ifl	ifl	PROPN
ejif-9019	42	21	among	among	ADP
ejif-9019	42	22	the	the	DET
ejif-9019	42	23	muslim	muslim	ADJ
ejif-9019	42	24	population	population	NOUN
ejif-9019	42	25	and	and	CCONJ
ejif-9019	42	26	called	call	VERB
ejif-9019	42	27	for	for	ADP
ejif-9019	42	28	further	further	ADJ
ejif-9019	42	29	research	research	NOUN
ejif-9019	42	30	.	.	PUNCT
ejif-9019	43	1	furthermore	furthermore	ADV
ejif-9019	43	2	,	,	PUNCT
ejif-9019	43	3	the	the	DET
ejif-9019	43	4	exploratory	exploratory	ADJ
ejif-9019	43	5	study	study	NOUN
ejif-9019	43	6	on	on	ADP
ejif-9019	43	7	financial	financial	ADJ
ejif-9019	43	8	literacy	literacy	NOUN
ejif-9019	43	9	undertaken	undertake	VERB
ejif-9019	43	10	by	by	ADP
ejif-9019	43	11	abdullah	abdullah	PROPN
ejif-9019	43	12	and	and	CCONJ
ejif-9019	43	13	chong	chong	PROPN
ejif-9019	43	14	(	(	PUNCT
ejif-9019	43	15	2014	2014	NUM
ejif-9019	43	16	)	)	PUNCT
ejif-9019	43	17	demonstrated	demonstrate	VERB
ejif-9019	43	18	the	the	DET
ejif-9019	43	19	absence	absence	NOUN
ejif-9019	43	20	of	of	ADP
ejif-9019	43	21	findings	finding	NOUN
ejif-9019	43	22	on	on	ADP
ejif-9019	43	23	financial	financial	ADJ
ejif-9019	43	24	literacy	literacy	NOUN
ejif-9019	43	25	from	from	ADP
ejif-9019	43	26	the	the	DET
ejif-9019	43	27	islamic	islamic	PROPN
ejif-9019	43	28	european	european	PROPN
ejif-9019	43	29	journal	journal	PROPN
ejif-9019	43	30	of	of	ADP
ejif-9019	43	31	islamic	islamic	PROPN
ejif-9019	43	32	finance	finance	PROPN
ejif-9019	43	33	issn	issn	PROPN
ejif-9019	43	34	:	:	PUNCT
ejif-9019	43	35	2421	2421	NUM
ejif-9019	43	36	-	-	SYM
ejif-9019	43	37	2172	2172	NUM
ejif-9019	43	38	doi	doi	NOUN
ejif-9019	43	39	:	:	PUNCT
ejif-9019	43	40	10.13135/2421	10.13135/2421	NUM
ejif-9019	43	41	-	-	SYM
ejif-9019	43	42	2172/9019	2172/9019	NUM
ejif-9019	43	43	published	publish	VERB
ejif-9019	43	44	by	by	ADP
ejif-9019	43	45	university	university	PROPN
ejif-9019	43	46	of	of	ADP
ejif-9019	43	47	turin	turin	PROPN
ejif-9019	44	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	44	2	ejif	ejif	PROPN
ejif-9019	44	3	content	content	NOUN
ejif-9019	44	4	is	be	AUX
ejif-9019	44	5	licensed	license	VERB
ejif-9019	44	6	under	under	ADP
ejif-9019	44	7	a	a	DET
ejif-9019	44	8	creative	creative	ADJ
ejif-9019	44	9	commons	common	NOUN
ejif-9019	44	10	attribution	attribution	NOUN
ejif-9019	44	11	4.0	4.0	NUM
ejif-9019	44	12	international	international	ADJ
ejif-9019	44	13	license	license	NOUN
ejif-9019	44	14	3	3	NUM
ejif-9019	44	15	perspective	perspective	NOUN
ejif-9019	44	16	.	.	PUNCT
ejif-9019	45	1	these	these	DET
ejif-9019	45	2	doubts	doubt	NOUN
ejif-9019	45	3	showed	show	VERB
ejif-9019	45	4	that	that	SCONJ
ejif-9019	45	5	,	,	PUNCT
ejif-9019	45	6	during	during	ADP
ejif-9019	45	7	those	those	DET
ejif-9019	45	8	times	time	NOUN
ejif-9019	45	9	,	,	PUNCT
ejif-9019	45	10	there	there	PRON
ejif-9019	45	11	was	be	VERB
ejif-9019	45	12	a	a	DET
ejif-9019	45	13	demand	demand	NOUN
ejif-9019	45	14	for	for	ADP
ejif-9019	45	15	research	research	NOUN
ejif-9019	45	16	on	on	ADP
ejif-9019	45	17	ifl	ifl	PROPN
ejif-9019	45	18	.	.	PUNCT
ejif-9019	46	1	eventually	eventually	ADV
ejif-9019	46	2	,	,	PUNCT
ejif-9019	46	3	the	the	DET
ejif-9019	46	4	studies	study	NOUN
ejif-9019	46	5	of	of	ADP
ejif-9019	46	6	ifl	ifl	PROPN
ejif-9019	46	7	appeared	appear	VERB
ejif-9019	46	8	in	in	ADP
ejif-9019	46	9	and	and	CCONJ
ejif-9019	46	10	after	after	ADP
ejif-9019	46	11	2015	2015	NUM
ejif-9019	46	12	.	.	PUNCT
ejif-9019	47	1	the	the	DET
ejif-9019	47	2	first	first	ADJ
ejif-9019	47	3	definition	definition	NOUN
ejif-9019	47	4	of	of	ADP
ejif-9019	47	5	ifl	ifl	PROPN
ejif-9019	47	6	can	can	AUX
ejif-9019	47	7	be	be	AUX
ejif-9019	47	8	found	find	VERB
ejif-9019	47	9	in	in	ADP
ejif-9019	47	10	the	the	DET
ejif-9019	47	11	work	work	NOUN
ejif-9019	47	12	of	of	ADP
ejif-9019	47	13	abdullah	abdullah	PROPN
ejif-9019	47	14	and	and	CCONJ
ejif-9019	47	15	anderson	anderson	PROPN
ejif-9019	47	16	(	(	PUNCT
ejif-9019	47	17	2015	2015	NUM
ejif-9019	47	18	,	,	PUNCT
ejif-9019	47	19	p.	p.	NOUN
ejif-9019	47	20	4	4	NUM
ejif-9019	47	21	)	)	PUNCT
ejif-9019	47	22	,	,	PUNCT
ejif-9019	47	23	which	which	PRON
ejif-9019	47	24	states	state	VERB
ejif-9019	47	25	that	that	SCONJ
ejif-9019	47	26	‘	'	PUNCT
ejif-9019	47	27	ifl	ifl	PROPN
ejif-9019	47	28	is	be	AUX
ejif-9019	47	29	the	the	DET
ejif-9019	47	30	stock	stock	NOUN
ejif-9019	47	31	of	of	ADP
ejif-9019	47	32	knowledge	knowledge	NOUN
ejif-9019	47	33	that	that	SCONJ
ejif-9019	47	34	one	one	NOUN
ejif-9019	47	35	acquires	acquire	VERB
ejif-9019	47	36	through	through	ADP
ejif-9019	47	37	education	education	NOUN
ejif-9019	47	38	and/or	and/or	CCONJ
ejif-9019	47	39	experience	experience	NOUN
ejif-9019	47	40	related	relate	VERB
ejif-9019	47	41	explicitly	explicitly	ADV
ejif-9019	47	42	to	to	ADP
ejif-9019	47	43	essential	essential	ADJ
ejif-9019	47	44	islamic	islamic	ADJ
ejif-9019	47	45	finance	finance	NOUN
ejif-9019	47	46	concepts	concept	NOUN
ejif-9019	47	47	and	and	CCONJ
ejif-9019	47	48	products	product	NOUN
ejif-9019	47	49	.	.	PUNCT
ejif-9019	48	1	notwithstanding	notwithstanding	ADV
ejif-9019	48	2	,	,	PUNCT
ejif-9019	48	3	a	a	DET
ejif-9019	48	4	review	review	NOUN
ejif-9019	48	5	of	of	ADP
ejif-9019	48	6	the	the	DET
ejif-9019	48	7	literature	literature	NOUN
ejif-9019	48	8	reveals	reveal	VERB
ejif-9019	48	9	that	that	SCONJ
ejif-9019	48	10	many	many	ADJ
ejif-9019	48	11	ifl	ifl	PROPN
ejif-9019	48	12	studies	study	NOUN
ejif-9019	48	13	(	(	PUNCT
ejif-9019	48	14	e.g.	e.g.	ADV
ejif-9019	48	15	,	,	PUNCT
ejif-9019	48	16	alfarisi	alfarisi	PROPN
ejif-9019	48	17	et	et	PROPN
ejif-9019	48	18	al	al	PROPN
ejif-9019	48	19	.	.	PROPN
ejif-9019	48	20	,	,	PUNCT
ejif-9019	48	21	2020	2020	NUM
ejif-9019	48	22	;	;	PUNCT
ejif-9019	48	23	biplob	biplob	NOUN
ejif-9019	48	24	and	and	CCONJ
ejif-9019	48	25	abdullah	abdullah	PROPN
ejif-9019	48	26	,	,	PUNCT
ejif-9019	48	27	2019	2019	NUM
ejif-9019	48	28	;	;	PUNCT
ejif-9019	48	29	er	er	INTJ
ejif-9019	48	30	and	and	CCONJ
ejif-9019	48	31	mutlu	mutlu	PROPN
ejif-9019	48	32	,	,	PUNCT
ejif-9019	48	33	2017	2017	NUM
ejif-9019	48	34	;	;	PUNCT
ejif-9019	48	35	khasanah	khasanah	PROPN
ejif-9019	48	36	et	et	PROPN
ejif-9019	48	37	al	al	PROPN
ejif-9019	48	38	.	.	PROPN
ejif-9019	48	39	,	,	PUNCT
ejif-9019	48	40	2022	2022	NUM
ejif-9019	48	41	)	)	PUNCT
ejif-9019	48	42	have	have	AUX
ejif-9019	48	43	adopted	adopt	VERB
ejif-9019	48	44	and	and	CCONJ
ejif-9019	48	45	applied	apply	VERB
ejif-9019	48	46	the	the	DET
ejif-9019	48	47	definition	definition	NOUN
ejif-9019	48	48	of	of	ADP
ejif-9019	48	49	financial	financial	ADJ
ejif-9019	48	50	literacy	literacy	NOUN
ejif-9019	48	51	proposed	propose	VERB
ejif-9019	48	52	by	by	ADP
ejif-9019	48	53	atkinson	atkinson	PROPN
ejif-9019	48	54	and	and	CCONJ
ejif-9019	48	55	messy	messy	ADJ
ejif-9019	48	56	(	(	PUNCT
ejif-9019	48	57	2012	2012	NUM
ejif-9019	48	58	)	)	PUNCT
ejif-9019	48	59	in	in	ADP
ejif-9019	48	60	the	the	DET
ejif-9019	48	61	oecd	oecd	PROPN
ejif-9019	48	62	working	work	VERB
ejif-9019	48	63	papers	paper	NOUN
ejif-9019	48	64	.	.	PUNCT
ejif-9019	49	1	they	they	PRON
ejif-9019	49	2	view	view	VERB
ejif-9019	49	3	ifl	ifl	PROPN
ejif-9019	49	4	as	as	ADP
ejif-9019	49	5	a	a	DET
ejif-9019	49	6	combination	combination	NOUN
ejif-9019	49	7	of	of	ADP
ejif-9019	49	8	islamic	islamic	ADJ
ejif-9019	49	9	financial	financial	ADJ
ejif-9019	49	10	knowledge	knowledge	NOUN
ejif-9019	49	11	,	,	PUNCT
ejif-9019	49	12	attitudes	attitude	NOUN
ejif-9019	49	13	,	,	PUNCT
ejif-9019	49	14	and	and	CCONJ
ejif-9019	49	15	behaviours	behaviour	NOUN
ejif-9019	49	16	in	in	ADP
ejif-9019	49	17	making	make	VERB
ejif-9019	49	18	financial	financial	ADJ
ejif-9019	49	19	decisions	decision	NOUN
ejif-9019	49	20	and	and	CCONJ
ejif-9019	49	21	managing	manage	VERB
ejif-9019	49	22	financial	financial	ADJ
ejif-9019	49	23	resources	resource	NOUN
ejif-9019	49	24	by	by	ADP
ejif-9019	49	25	islamic	islamic	ADJ
ejif-9019	49	26	teachings	teaching	NOUN
ejif-9019	49	27	.	.	PUNCT
ejif-9019	50	1	according	accord	VERB
ejif-9019	50	2	to	to	ADP
ejif-9019	50	3	this	this	DET
ejif-9019	50	4	perspective	perspective	NOUN
ejif-9019	50	5	,	,	PUNCT
ejif-9019	50	6	alfarisi	alfarisi	PROPN
ejif-9019	50	7	et	et	PROPN
ejif-9019	50	8	al	al	PROPN
ejif-9019	50	9	.	.	PROPN
ejif-9019	50	10	(	(	PUNCT
ejif-9019	50	11	2020	2020	NUM
ejif-9019	50	12	)	)	PUNCT
ejif-9019	50	13	elaborated	elaborate	VERB
ejif-9019	50	14	on	on	ADP
ejif-9019	50	15	each	each	DET
ejif-9019	50	16	component	component	NOUN
ejif-9019	50	17	as	as	SCONJ
ejif-9019	50	18	follows	follow	VERB
ejif-9019	50	19	:	:	PUNCT
ejif-9019	50	20	islamic	islamic	ADJ
ejif-9019	50	21	financial	financial	ADJ
ejif-9019	50	22	knowledge	knowledge	NOUN
ejif-9019	50	23	entails	entail	VERB
ejif-9019	50	24	an	an	DET
ejif-9019	50	25	understanding	understanding	NOUN
ejif-9019	50	26	of	of	ADP
ejif-9019	50	27	shari'ah	shari'ah	ADJ
ejif-9019	50	28	principles	principle	NOUN
ejif-9019	50	29	within	within	ADP
ejif-9019	50	30	the	the	DET
ejif-9019	50	31	islamic	islamic	ADJ
ejif-9019	50	32	financial	financial	ADJ
ejif-9019	50	33	system	system	NOUN
ejif-9019	50	34	;	;	PUNCT
ejif-9019	50	35	islamic	islamic	ADJ
ejif-9019	50	36	financial	financial	ADJ
ejif-9019	50	37	attitude	attitude	NOUN
ejif-9019	50	38	refers	refer	VERB
ejif-9019	50	39	to	to	ADP
ejif-9019	50	40	attitudes	attitude	NOUN
ejif-9019	50	41	toward	toward	ADP
ejif-9019	50	42	islamic	islamic	ADJ
ejif-9019	50	43	financial	financial	ADJ
ejif-9019	50	44	services	service	NOUN
ejif-9019	50	45	;	;	PUNCT
ejif-9019	50	46	and	and	CCONJ
ejif-9019	50	47	islamic	islamic	ADJ
ejif-9019	50	48	financial	financial	ADJ
ejif-9019	50	49	behaviour	behaviour	NOUN
ejif-9019	50	50	refers	refer	VERB
ejif-9019	50	51	to	to	ADP
ejif-9019	50	52	the	the	DET
ejif-9019	50	53	behaviour	behaviour	NOUN
ejif-9019	50	54	demonstrated	demonstrate	VERB
ejif-9019	50	55	when	when	SCONJ
ejif-9019	50	56	using	use	VERB
ejif-9019	50	57	islamic	islamic	ADJ
ejif-9019	50	58	financial	financial	ADJ
ejif-9019	50	59	instruments	instrument	NOUN
ejif-9019	50	60	.	.	PUNCT
ejif-9019	51	1	in	in	ADP
ejif-9019	51	2	addition	addition	NOUN
ejif-9019	51	3	,	,	PUNCT
ejif-9019	51	4	biplob	biplob	NOUN
ejif-9019	51	5	and	and	CCONJ
ejif-9019	51	6	abdullah	abdullah	PROPN
ejif-9019	51	7	(	(	PUNCT
ejif-9019	51	8	2019	2019	NUM
ejif-9019	51	9	)	)	PUNCT
ejif-9019	51	10	broaden	broaden	VERB
ejif-9019	51	11	the	the	DET
ejif-9019	51	12	concept	concept	NOUN
ejif-9019	51	13	of	of	ADP
ejif-9019	51	14	ifl	ifl	PROPN
ejif-9019	51	15	by	by	ADP
ejif-9019	51	16	including	include	VERB
ejif-9019	51	17	the	the	DET
ejif-9019	51	18	idea	idea	NOUN
ejif-9019	51	19	of	of	ADP
ejif-9019	51	20	charity	charity	NOUN
ejif-9019	51	21	in	in	ADP
ejif-9019	51	22	islam	islam	PROPN
ejif-9019	51	23	.	.	PUNCT
ejif-9019	52	1	this	this	DET
ejif-9019	52	2	concept	concept	NOUN
ejif-9019	52	3	encompasses	encompass	VERB
ejif-9019	52	4	wealth	wealth	NOUN
ejif-9019	52	5	purification	purification	NOUN
ejif-9019	52	6	and	and	CCONJ
ejif-9019	52	7	distribution	distribution	NOUN
ejif-9019	52	8	,	,	PUNCT
ejif-9019	52	9	two	two	NUM
ejif-9019	52	10	of	of	ADP
ejif-9019	52	11	islam	islam	PROPN
ejif-9019	52	12	's	's	PART
ejif-9019	52	13	most	most	ADV
ejif-9019	52	14	important	important	ADJ
ejif-9019	52	15	tenets	tenet	NOUN
ejif-9019	52	16	.	.	PUNCT
ejif-9019	53	1	based	base	VERB
ejif-9019	53	2	on	on	ADP
ejif-9019	53	3	these	these	DET
ejif-9019	53	4	perspectives	perspective	NOUN
ejif-9019	53	5	,	,	PUNCT
ejif-9019	53	6	it	it	PRON
ejif-9019	53	7	can	can	AUX
ejif-9019	53	8	be	be	AUX
ejif-9019	53	9	inferred	infer	VERB
ejif-9019	53	10	that	that	SCONJ
ejif-9019	53	11	ifl	ifl	PROPN
ejif-9019	53	12	is	be	AUX
ejif-9019	53	13	a	a	DET
ejif-9019	53	14	comprehensive	comprehensive	ADJ
ejif-9019	53	15	concept	concept	NOUN
ejif-9019	53	16	that	that	PRON
ejif-9019	53	17	covers	cover	VERB
ejif-9019	53	18	various	various	ADJ
ejif-9019	53	19	aspects	aspect	NOUN
ejif-9019	53	20	of	of	ADP
ejif-9019	53	21	financial	financial	ADJ
ejif-9019	53	22	matters	matter	NOUN
ejif-9019	53	23	.	.	PUNCT
ejif-9019	54	1	from	from	ADP
ejif-9019	54	2	the	the	DET
ejif-9019	54	3	islamic	islamic	PROPN
ejif-9019	54	4	perspective	perspective	PROPN
ejif-9019	54	5	,	,	PUNCT
ejif-9019	54	6	the	the	DET
ejif-9019	54	7	importance	importance	NOUN
ejif-9019	54	8	of	of	ADP
ejif-9019	54	9	ifl	ifl	PROPN
ejif-9019	54	10	is	be	AUX
ejif-9019	54	11	highly	highly	ADV
ejif-9019	54	12	associated	associate	VERB
ejif-9019	54	13	with	with	ADP
ejif-9019	54	14	wealth	wealth	NOUN
ejif-9019	54	15	(	(	PUNCT
ejif-9019	54	16	mal	mal	ADJ
ejif-9019	54	17	)	)	PUNCT
ejif-9019	54	18	,	,	PUNCT
ejif-9019	54	19	which	which	PRON
ejif-9019	54	20	is	be	AUX
ejif-9019	54	21	one	one	NUM
ejif-9019	54	22	of	of	ADP
ejif-9019	54	23	the	the	DET
ejif-9019	54	24	categories	category	NOUN
ejif-9019	54	25	of	of	ADP
ejif-9019	54	26	the	the	DET
ejif-9019	54	27	maqasid	maqasid	NOUN
ejif-9019	54	28	of	of	ADP
ejif-9019	54	29	shari’ah	shari’ah	PROPN
ejif-9019	54	30	,	,	PUNCT
ejif-9019	54	31	set	set	VERB
ejif-9019	54	32	to	to	PART
ejif-9019	54	33	achieve	achieve	VERB
ejif-9019	54	34	the	the	DET
ejif-9019	54	35	well	well	NOUN
ejif-9019	54	36	-	-	PUNCT
ejif-9019	54	37	being	being	NOUN
ejif-9019	54	38	of	of	ADP
ejif-9019	54	39	humankind	humankind	NOUN
ejif-9019	54	40	(	(	PUNCT
ejif-9019	54	41	biplob	biplob	NOUN
ejif-9019	54	42	and	and	CCONJ
ejif-9019	54	43	abdullah	abdullah	PROPN
ejif-9019	54	44	,	,	PUNCT
ejif-9019	54	45	2019	2019	NUM
ejif-9019	54	46	;	;	PUNCT
ejif-9019	54	47	khotiawan	khotiawan	PROPN
ejif-9019	54	48	and	and	CCONJ
ejif-9019	54	49	luthfiansyah	luthfiansyah	ADJ
ejif-9019	54	50	,	,	PUNCT
ejif-9019	54	51	2017	2017	NUM
ejif-9019	54	52	;	;	PUNCT
ejif-9019	54	53	lahsasna	lahsasna	PROPN
ejif-9019	54	54	,	,	PUNCT
ejif-9019	54	55	2016	2016	NUM
ejif-9019	54	56	)	)	PUNCT
ejif-9019	54	57	.	.	PUNCT
ejif-9019	55	1	according	accord	VERB
ejif-9019	55	2	to	to	ADP
ejif-9019	55	3	ayub	ayub	NOUN
ejif-9019	55	4	(	(	PUNCT
ejif-9019	55	5	2007	2007	NUM
ejif-9019	55	6	)	)	PUNCT
ejif-9019	55	7	,	,	PUNCT
ejif-9019	55	8	the	the	DET
ejif-9019	55	9	preservation	preservation	NOUN
ejif-9019	55	10	of	of	ADP
ejif-9019	55	11	wealth	wealth	NOUN
ejif-9019	55	12	connotes	connote	VERB
ejif-9019	55	13	the	the	DET
ejif-9019	55	14	sanctity	sanctity	NOUN
ejif-9019	55	15	of	of	ADP
ejif-9019	55	16	wealth	wealth	NOUN
ejif-9019	55	17	among	among	ADP
ejif-9019	55	18	society	society	NOUN
ejif-9019	55	19	members	member	NOUN
ejif-9019	55	20	,	,	PUNCT
ejif-9019	55	21	focusing	focus	VERB
ejif-9019	55	22	on	on	ADP
ejif-9019	55	23	earning	earn	VERB
ejif-9019	55	24	halal	halal	NOUN
ejif-9019	55	25	income	income	NOUN
ejif-9019	55	26	and	and	CCONJ
ejif-9019	55	27	encouraging	encourage	VERB
ejif-9019	55	28	spending	spending	NOUN
ejif-9019	55	29	to	to	PART
ejif-9019	55	30	receive	receive	VERB
ejif-9019	55	31	the	the	DET
ejif-9019	55	32	pleasure	pleasure	NOUN
ejif-9019	55	33	of	of	ADP
ejif-9019	55	34	god	god	PROPN
ejif-9019	55	35	.	.	PUNCT
ejif-9019	56	1	existing	exist	VERB
ejif-9019	56	2	literature	literature	NOUN
ejif-9019	56	3	indicates	indicate	VERB
ejif-9019	56	4	that	that	SCONJ
ejif-9019	56	5	a	a	DET
ejif-9019	56	6	muslim	muslim	NOUN
ejif-9019	56	7	with	with	ADP
ejif-9019	56	8	a	a	DET
ejif-9019	56	9	high	high	ADJ
ejif-9019	56	10	level	level	NOUN
ejif-9019	56	11	of	of	ADP
ejif-9019	56	12	ifl	ifl	PROPN
ejif-9019	56	13	tends	tend	VERB
ejif-9019	56	14	to	to	PART
ejif-9019	56	15	understand	understand	VERB
ejif-9019	56	16	the	the	DET
ejif-9019	56	17	concepts	concept	NOUN
ejif-9019	56	18	of	of	ADP
ejif-9019	56	19	islamic	islamic	ADJ
ejif-9019	56	20	wealth	wealth	NOUN
ejif-9019	56	21	(	(	PUNCT
ejif-9019	56	22	biplob	biplob	NOUN
ejif-9019	56	23	and	and	CCONJ
ejif-9019	56	24	abdullah	abdullah	PROPN
ejif-9019	56	25	,	,	PUNCT
ejif-9019	56	26	2019	2019	NUM
ejif-9019	56	27	)	)	PUNCT
ejif-9019	56	28	,	,	PUNCT
ejif-9019	56	29	make	make	VERB
ejif-9019	56	30	financial	financial	ADJ
ejif-9019	56	31	decisions	decision	NOUN
ejif-9019	56	32	by	by	ADP
ejif-9019	56	33	shari’ah	shari’ah	NOUN
ejif-9019	56	34	principles	principle	NOUN
ejif-9019	56	35	(	(	PUNCT
ejif-9019	56	36	antara	antara	PROPN
ejif-9019	56	37	et	et	PROPN
ejif-9019	56	38	al	al	PROPN
ejif-9019	56	39	.	.	PROPN
ejif-9019	56	40	,	,	PUNCT
ejif-9019	56	41	2016	2016	NUM
ejif-9019	56	42	)	)	PUNCT
ejif-9019	56	43	,	,	PUNCT
ejif-9019	56	44	cultivate	cultivate	VERB
ejif-9019	56	45	good	good	ADJ
ejif-9019	56	46	financial	financial	ADJ
ejif-9019	56	47	habits	habit	NOUN
ejif-9019	56	48	as	as	SCONJ
ejif-9019	56	49	prescribed	prescribe	VERB
ejif-9019	56	50	by	by	ADP
ejif-9019	56	51	the	the	DET
ejif-9019	56	52	teachings	teaching	NOUN
ejif-9019	56	53	of	of	ADP
ejif-9019	56	54	islam	islam	PROPN
ejif-9019	56	55	(	(	PUNCT
ejif-9019	56	56	nawi	nawi	PROPN
ejif-9019	56	57	et	et	PROPN
ejif-9019	56	58	al	al	PROPN
ejif-9019	56	59	.	.	PROPN
ejif-9019	56	60	,	,	PUNCT
ejif-9019	56	61	2018	2018	NUM
ejif-9019	56	62	)	)	PUNCT
ejif-9019	56	63	,	,	PUNCT
ejif-9019	56	64	strengthen	strengthen	VERB
ejif-9019	56	65	the	the	DET
ejif-9019	56	66	foundation	foundation	NOUN
ejif-9019	56	67	of	of	ADP
ejif-9019	56	68	ethics	ethic	NOUN
ejif-9019	56	69	and	and	CCONJ
ejif-9019	56	70	morality	morality	NOUN
ejif-9019	56	71	(	(	PUNCT
ejif-9019	56	72	dinc	dinc	PROPN
ejif-9019	56	73	et	et	PROPN
ejif-9019	56	74	al	al	PROPN
ejif-9019	56	75	.	.	PROPN
ejif-9019	56	76	,	,	PUNCT
ejif-9019	56	77	2021	2021	NUM
ejif-9019	56	78	)	)	PUNCT
ejif-9019	56	79	,	,	PUNCT
ejif-9019	56	80	avoid	avoid	VERB
ejif-9019	56	81	taking	take	VERB
ejif-9019	56	82	significant	significant	ADJ
ejif-9019	56	83	risks	risk	NOUN
ejif-9019	56	84	(	(	PUNCT
ejif-9019	56	85	yunus	yunus	PROPN
ejif-9019	56	86	et	et	PROPN
ejif-9019	56	87	al	al	PROPN
ejif-9019	56	88	.	.	PROPN
ejif-9019	56	89	,	,	PUNCT
ejif-9019	56	90	2021	2021	NUM
ejif-9019	56	91	)	)	PUNCT
ejif-9019	56	92	,	,	PUNCT
ejif-9019	56	93	and	and	CCONJ
ejif-9019	56	94	control	control	NOUN
ejif-9019	56	95	spending	spend	VERB
ejif-9019	56	96	behaviour	behaviour	NOUN
ejif-9019	56	97	to	to	PART
ejif-9019	56	98	minimise	minimise	VERB
ejif-9019	56	99	bankruptcy	bankruptcy	NOUN
ejif-9019	56	100	(	(	PUNCT
ejif-9019	56	101	abdullah	abdullah	PROPN
ejif-9019	56	102	et	et	PROPN
ejif-9019	56	103	al	al	PROPN
ejif-9019	56	104	.	.	PROPN
ejif-9019	56	105	,	,	PUNCT
ejif-9019	56	106	2022	2022	NUM
ejif-9019	56	107	)	)	PUNCT
ejif-9019	56	108	.	.	PUNCT
ejif-9019	57	1	thus	thus	ADV
ejif-9019	57	2	,	,	PUNCT
ejif-9019	57	3	by	by	ADP
ejif-9019	57	4	being	be	AUX
ejif-9019	57	5	well	well	ADV
ejif-9019	57	6	-	-	PUNCT
ejif-9019	57	7	equipped	equip	VERB
ejif-9019	57	8	with	with	ADP
ejif-9019	57	9	ifl	ifl	PROPN
ejif-9019	57	10	,	,	PUNCT
ejif-9019	57	11	individuals	individual	NOUN
ejif-9019	57	12	can	can	AUX
ejif-9019	57	13	avoid	avoid	VERB
ejif-9019	57	14	engaging	engage	VERB
ejif-9019	57	15	in	in	ADP
ejif-9019	57	16	transactions	transaction	NOUN
ejif-9019	57	17	that	that	PRON
ejif-9019	57	18	are	be	AUX
ejif-9019	57	19	deemed	deem	VERB
ejif-9019	57	20	unethical	unethical	ADJ
ejif-9019	57	21	or	or	CCONJ
ejif-9019	57	22	harmful	harmful	ADJ
ejif-9019	57	23	in	in	ADP
ejif-9019	57	24	islam	islam	PROPN
ejif-9019	57	25	.	.	PUNCT
ejif-9019	58	1	this	this	PRON
ejif-9019	58	2	can	can	AUX
ejif-9019	58	3	result	result	VERB
ejif-9019	58	4	in	in	ADP
ejif-9019	58	5	increased	increase	VERB
ejif-9019	58	6	financial	financial	ADJ
ejif-9019	58	7	security	security	NOUN
ejif-9019	58	8	and	and	CCONJ
ejif-9019	58	9	a	a	DET
ejif-9019	58	10	more	more	ADV
ejif-9019	58	11	balanced	balanced	ADJ
ejif-9019	58	12	and	and	CCONJ
ejif-9019	58	13	mindful	mindful	ADJ
ejif-9019	58	14	approach	approach	NOUN
ejif-9019	58	15	to	to	ADP
ejif-9019	58	16	money	money	NOUN
ejif-9019	58	17	management	management	NOUN
ejif-9019	58	18	.	.	PUNCT
ejif-9019	59	1	as	as	ADP
ejif-9019	59	2	for	for	ADP
ejif-9019	59	3	ifi	ifi	PROPN
ejif-9019	59	4	means	mean	VERB
ejif-9019	59	5	having	have	VERB
ejif-9019	59	6	access	access	NOUN
ejif-9019	59	7	to	to	ADP
ejif-9019	59	8	islamic	islamic	ADJ
ejif-9019	59	9	financial	financial	ADJ
ejif-9019	59	10	products	product	NOUN
ejif-9019	59	11	and	and	CCONJ
ejif-9019	59	12	services	service	NOUN
ejif-9019	59	13	available	available	ADJ
ejif-9019	59	14	in	in	ADP
ejif-9019	59	15	the	the	DET
ejif-9019	59	16	market	market	NOUN
ejif-9019	59	17	(	(	PUNCT
ejif-9019	59	18	abdullah	abdullah	PROPN
ejif-9019	59	19	et	et	PROPN
ejif-9019	59	20	al	al	PROPN
ejif-9019	59	21	.	.	PROPN
ejif-9019	59	22	,	,	PUNCT
ejif-9019	59	23	2021	2021	NUM
ejif-9019	59	24	)	)	PUNCT
ejif-9019	59	25	.	.	PUNCT
ejif-9019	60	1	however	however	ADV
ejif-9019	60	2	,	,	PUNCT
ejif-9019	60	3	the	the	DET
ejif-9019	60	4	conventional	conventional	ADJ
ejif-9019	60	5	banking	banking	NOUN
ejif-9019	60	6	system	system	NOUN
ejif-9019	60	7	is	be	AUX
ejif-9019	60	8	not	not	PART
ejif-9019	60	9	suitable	suitable	ADJ
ejif-9019	60	10	for	for	ADP
ejif-9019	60	11	muslims	muslim	NOUN
ejif-9019	60	12	due	due	ADP
ejif-9019	60	13	to	to	ADP
ejif-9019	60	14	the	the	DET
ejif-9019	60	15	presence	presence	NOUN
ejif-9019	60	16	of	of	ADP
ejif-9019	60	17	interest	interest	NOUN
ejif-9019	60	18	,	,	PUNCT
ejif-9019	60	19	ambiguity	ambiguity	NOUN
ejif-9019	60	20	,	,	PUNCT
ejif-9019	60	21	gambling	gambling	NOUN
ejif-9019	60	22	,	,	PUNCT
ejif-9019	60	23	and	and	CCONJ
ejif-9019	60	24	sinful	sinful	ADJ
ejif-9019	60	25	transactions	transaction	NOUN
ejif-9019	60	26	,	,	PUNCT
ejif-9019	60	27	all	all	PRON
ejif-9019	60	28	of	of	ADP
ejif-9019	60	29	which	which	PRON
ejif-9019	60	30	are	be	AUX
ejif-9019	60	31	strictly	strictly	ADV
ejif-9019	60	32	forbidden	forbid	VERB
ejif-9019	60	33	in	in	ADP
ejif-9019	60	34	islam	islam	PROPN
ejif-9019	60	35	.	.	PUNCT
ejif-9019	61	1	to	to	PART
ejif-9019	61	2	address	address	VERB
ejif-9019	61	3	this	this	DET
ejif-9019	61	4	need	need	NOUN
ejif-9019	61	5	,	,	PUNCT
ejif-9019	61	6	shari’ah	shari’ah	NOUN
ejif-9019	61	7	-	-	PUNCT
ejif-9019	61	8	based	base	VERB
ejif-9019	61	9	financial	financial	ADJ
ejif-9019	61	10	institutions	institution	NOUN
ejif-9019	61	11	have	have	AUX
ejif-9019	61	12	been	be	AUX
ejif-9019	61	13	established	establish	VERB
ejif-9019	61	14	in	in	ADP
ejif-9019	61	15	various	various	ADJ
ejif-9019	61	16	parts	part	NOUN
ejif-9019	61	17	of	of	ADP
ejif-9019	61	18	the	the	DET
ejif-9019	61	19	world	world	NOUN
ejif-9019	61	20	(	(	PUNCT
ejif-9019	61	21	zulkhibri	zulkhibri	NOUN
ejif-9019	61	22	,	,	PUNCT
ejif-9019	61	23	2016	2016	NUM
ejif-9019	61	24	)	)	PUNCT
ejif-9019	61	25	.	.	PUNCT
ejif-9019	62	1	the	the	DET
ejif-9019	62	2	advent	advent	NOUN
ejif-9019	62	3	of	of	ADP
ejif-9019	62	4	islamic	islamic	ADJ
ejif-9019	62	5	financial	financial	ADJ
ejif-9019	62	6	institutions	institution	NOUN
ejif-9019	62	7	has	have	AUX
ejif-9019	62	8	played	play	VERB
ejif-9019	62	9	a	a	DET
ejif-9019	62	10	pivotal	pivotal	ADJ
ejif-9019	62	11	role	role	NOUN
ejif-9019	62	12	in	in	ADP
ejif-9019	62	13	facilitating	facilitate	VERB
ejif-9019	62	14	muslim	muslim	ADJ
ejif-9019	62	15	clients	client	NOUN
ejif-9019	62	16	to	to	PART
ejif-9019	62	17	save	save	VERB
ejif-9019	62	18	,	,	PUNCT
ejif-9019	62	19	raise	raise	VERB
ejif-9019	62	20	funds	fund	NOUN
ejif-9019	62	21	,	,	PUNCT
ejif-9019	62	22	and	and	CCONJ
ejif-9019	62	23	invest	invest	VERB
ejif-9019	62	24	in	in	ADP
ejif-9019	62	25	a	a	DET
ejif-9019	62	26	way	way	NOUN
ejif-9019	62	27	consistent	consistent	ADJ
ejif-9019	62	28	with	with	ADP
ejif-9019	62	29	their	their	PRON
ejif-9019	62	30	faith	faith	NOUN
ejif-9019	62	31	.	.	PUNCT
ejif-9019	63	1	moreover	moreover	ADV
ejif-9019	63	2	,	,	PUNCT
ejif-9019	63	3	islamic	islamic	ADJ
ejif-9019	63	4	finance	finance	NOUN
ejif-9019	63	5	has	have	AUX
ejif-9019	63	6	been	be	AUX
ejif-9019	63	7	recognised	recognise	VERB
ejif-9019	63	8	for	for	ADP
ejif-9019	63	9	its	its	PRON
ejif-9019	63	10	potential	potential	NOUN
ejif-9019	63	11	to	to	PART
ejif-9019	63	12	contribute	contribute	VERB
ejif-9019	63	13	to	to	ADP
ejif-9019	63	14	sustainable	sustainable	ADJ
ejif-9019	63	15	development	development	NOUN
ejif-9019	63	16	,	,	PUNCT
ejif-9019	63	17	particularly	particularly	ADV
ejif-9019	63	18	in	in	ADP
ejif-9019	63	19	alignment	alignment	NOUN
ejif-9019	63	20	with	with	ADP
ejif-9019	63	21	the	the	DET
ejif-9019	63	22	sustainable	sustainable	ADJ
ejif-9019	63	23	development	development	NOUN
ejif-9019	63	24	goals	goal	NOUN
ejif-9019	63	25	(	(	PUNCT
ejif-9019	63	26	sdgs	sdgs	ADJ
ejif-9019	63	27	)	)	PUNCT
ejif-9019	63	28	.	.	PUNCT
ejif-9019	64	1	by	by	ADP
ejif-9019	64	2	fostering	foster	VERB
ejif-9019	64	3	inclusive	inclusive	ADJ
ejif-9019	64	4	growth	growth	NOUN
ejif-9019	64	5	and	and	CCONJ
ejif-9019	64	6	supporting	support	VERB
ejif-9019	64	7	socially	socially	ADV
ejif-9019	64	8	responsible	responsible	ADJ
ejif-9019	64	9	outcomes	outcome	NOUN
ejif-9019	64	10	,	,	PUNCT
ejif-9019	64	11	islamic	islamic	ADJ
ejif-9019	64	12	finance	finance	NOUN
ejif-9019	64	13	can	can	AUX
ejif-9019	64	14	play	play	VERB
ejif-9019	64	15	a	a	DET
ejif-9019	64	16	significant	significant	ADJ
ejif-9019	64	17	role	role	NOUN
ejif-9019	64	18	in	in	ADP
ejif-9019	64	19	enhancing	enhance	VERB
ejif-9019	64	20	financial	financial	ADJ
ejif-9019	64	21	inclusion	inclusion	NOUN
ejif-9019	64	22	and	and	CCONJ
ejif-9019	64	23	improving	improve	VERB
ejif-9019	64	24	the	the	DET
ejif-9019	64	25	financial	financial	ADJ
ejif-9019	64	26	sector	sector	NOUN
ejif-9019	64	27	's	's	PART
ejif-9019	64	28	resilience	resilience	NOUN
ejif-9019	64	29	(	(	PUNCT
ejif-9019	64	30	aboul	aboul	PROPN
ejif-9019	64	31	-	-	PUNCT
ejif-9019	64	32	dahab	dahab	PROPN
ejif-9019	64	33	,	,	PUNCT
ejif-9019	64	34	2023	2023	NUM
ejif-9019	64	35	)	)	PUNCT
ejif-9019	64	36	.	.	PUNCT
ejif-9019	65	1	since	since	SCONJ
ejif-9019	65	2	the	the	DET
ejif-9019	65	3	foundational	foundational	ADJ
ejif-9019	65	4	principles	principle	NOUN
ejif-9019	65	5	of	of	ADP
ejif-9019	65	6	islamic	islamic	ADJ
ejif-9019	65	7	finance	finance	NOUN
ejif-9019	65	8	are	be	AUX
ejif-9019	65	9	based	base	VERB
ejif-9019	65	10	on	on	ADP
ejif-9019	65	11	shari’ah	shari’ah	PROPN
ejif-9019	65	12	,	,	PUNCT
ejif-9019	65	13	the	the	DET
ejif-9019	65	14	importance	importance	NOUN
ejif-9019	65	15	of	of	ADP
ejif-9019	65	16	ifi	ifi	PROPN
ejif-9019	65	17	can	can	AUX
ejif-9019	65	18	be	be	AUX
ejif-9019	65	19	seen	see	VERB
ejif-9019	65	20	in	in	ADP
ejif-9019	65	21	the	the	DET
ejif-9019	65	22	hierarchy	hierarchy	NOUN
ejif-9019	65	23	of	of	ADP
ejif-9019	65	24	the	the	DET
ejif-9019	65	25	maqasid	maqasid	NOUN
ejif-9019	65	26	of	of	ADP
ejif-9019	65	27	shari’ah	shari’ah	PROPN
ejif-9019	65	28	,	,	PUNCT
ejif-9019	65	29	as	as	SCONJ
ejif-9019	65	30	illustrated	illustrate	VERB
ejif-9019	65	31	in	in	ADP
ejif-9019	65	32	figure	figure	NOUN
ejif-9019	65	33	1	1	NUM
ejif-9019	65	34	below	below	ADV
ejif-9019	65	35	.	.	PUNCT
ejif-9019	66	1	european	european	PROPN
ejif-9019	66	2	journal	journal	PROPN
ejif-9019	66	3	of	of	ADP
ejif-9019	66	4	islamic	islamic	PROPN
ejif-9019	66	5	finance	finance	PROPN
ejif-9019	66	6	issn	issn	PROPN
ejif-9019	66	7	:	:	PUNCT
ejif-9019	66	8	2421	2421	NUM
ejif-9019	66	9	-	-	SYM
ejif-9019	66	10	2172	2172	NUM
ejif-9019	66	11	doi	doi	NOUN
ejif-9019	66	12	:	:	PUNCT
ejif-9019	66	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	66	14	-	-	SYM
ejif-9019	66	15	2172/9019	2172/9019	NUM
ejif-9019	66	16	published	publish	VERB
ejif-9019	66	17	by	by	ADP
ejif-9019	66	18	university	university	PROPN
ejif-9019	66	19	of	of	ADP
ejif-9019	66	20	turin	turin	PROPN
ejif-9019	67	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	67	2	ejif	ejif	PROPN
ejif-9019	67	3	content	content	NOUN
ejif-9019	67	4	is	be	AUX
ejif-9019	67	5	licensed	license	VERB
ejif-9019	67	6	under	under	ADP
ejif-9019	67	7	a	a	DET
ejif-9019	67	8	creative	creative	ADJ
ejif-9019	67	9	commons	common	NOUN
ejif-9019	67	10	attribution	attribution	NOUN
ejif-9019	67	11	4.0	4.0	NUM
ejif-9019	67	12	international	international	ADJ
ejif-9019	67	13	license	license	NOUN
ejif-9019	67	14	4	4	NUM
ejif-9019	67	15	figure	figure	NOUN
ejif-9019	67	16	1	1	NUM
ejif-9019	67	17	.	.	PUNCT
ejif-9019	68	1	the	the	DET
ejif-9019	68	2	hierarchy	hierarchy	NOUN
ejif-9019	68	3	of	of	ADP
ejif-9019	68	4	the	the	DET
ejif-9019	68	5	maqasid	maqasid	NOUN
ejif-9019	68	6	of	of	ADP
ejif-9019	68	7	shari’ah	shari’ah	PROPN
ejif-9019	68	8	in	in	ADP
ejif-9019	68	9	islamic	islamic	PROPN
ejif-9019	68	10	finance	finance	PROPN
ejif-9019	68	11	source	source	NOUN
ejif-9019	68	12	:	:	PUNCT
ejif-9019	68	13	aris	aris	PROPN
ejif-9019	68	14	et	et	PROPN
ejif-9019	68	15	al	al	PROPN
ejif-9019	68	16	.	.	PROPN
ejif-9019	69	1	(	(	PUNCT
ejif-9019	69	2	2013	2013	NUM
ejif-9019	69	3	)	)	PUNCT
ejif-9019	69	4	according	accord	VERB
ejif-9019	69	5	to	to	PART
ejif-9019	69	6	figure	figure	VERB
ejif-9019	69	7	1	1	NUM
ejif-9019	69	8	,	,	PUNCT
ejif-9019	69	9	"	"	PUNCT
ejif-9019	69	10	necessities	necessity	NOUN
ejif-9019	69	11	"	"	PUNCT
ejif-9019	69	12	(	(	PUNCT
ejif-9019	69	13	daruriyyat	daruriyyat	X
ejif-9019	69	14	)	)	PUNCT
ejif-9019	69	15	are	be	AUX
ejif-9019	69	16	regarded	regard	VERB
ejif-9019	69	17	as	as	ADP
ejif-9019	69	18	the	the	DET
ejif-9019	69	19	most	most	ADV
ejif-9019	69	20	essential	essential	ADJ
ejif-9019	69	21	component	component	NOUN
ejif-9019	69	22	of	of	ADP
ejif-9019	69	23	humanity	humanity	NOUN
ejif-9019	69	24	.	.	PUNCT
ejif-9019	70	1	the	the	DET
ejif-9019	70	2	necessities	necessity	NOUN
ejif-9019	70	3	can	can	AUX
ejif-9019	70	4	be	be	AUX
ejif-9019	70	5	subdivided	subdivide	VERB
ejif-9019	70	6	into	into	ADP
ejif-9019	70	7	five	five	NUM
ejif-9019	70	8	elements	element	NOUN
ejif-9019	70	9	of	of	ADP
ejif-9019	70	10	preservation	preservation	NOUN
ejif-9019	70	11	:	:	PUNCT
ejif-9019	70	12	faith	faith	NOUN
ejif-9019	70	13	,	,	PUNCT
ejif-9019	70	14	self	self	NOUN
ejif-9019	70	15	,	,	PUNCT
ejif-9019	70	16	intellect	intellect	NOUN
ejif-9019	70	17	,	,	PUNCT
ejif-9019	70	18	posterity	posterity	NOUN
ejif-9019	70	19	,	,	PUNCT
ejif-9019	70	20	and	and	CCONJ
ejif-9019	70	21	wealth	wealth	NOUN
ejif-9019	70	22	(	(	PUNCT
ejif-9019	70	23	tarique	tarique	NOUN
ejif-9019	70	24	et	et	PROPN
ejif-9019	70	25	al	al	PROPN
ejif-9019	70	26	.	.	PROPN
ejif-9019	70	27	,	,	PUNCT
ejif-9019	70	28	2017	2017	NUM
ejif-9019	70	29	;	;	PUNCT
ejif-9019	70	30	vejzagic	vejzagic	NOUN
ejif-9019	70	31	and	and	CCONJ
ejif-9019	70	32	smolo	smolo	ADJ
ejif-9019	70	33	,	,	PUNCT
ejif-9019	70	34	2011	2011	NUM
ejif-9019	70	35	)	)	PUNCT
ejif-9019	70	36	.	.	PUNCT
ejif-9019	71	1	accordingly	accordingly	ADV
ejif-9019	71	2	,	,	PUNCT
ejif-9019	71	3	the	the	DET
ejif-9019	71	4	protection	protection	NOUN
ejif-9019	71	5	of	of	ADP
ejif-9019	71	6	wealth	wealth	NOUN
ejif-9019	71	7	is	be	AUX
ejif-9019	71	8	categorised	categorise	VERB
ejif-9019	71	9	as	as	ADP
ejif-9019	71	10	one	one	NUM
ejif-9019	71	11	of	of	ADP
ejif-9019	71	12	the	the	DET
ejif-9019	71	13	necessities	necessity	NOUN
ejif-9019	71	14	vital	vital	ADJ
ejif-9019	71	15	to	to	ADP
ejif-9019	71	16	human	human	ADJ
ejif-9019	71	17	life	life	NOUN
ejif-9019	71	18	.	.	PUNCT
ejif-9019	72	1	in	in	ADP
ejif-9019	72	2	this	this	DET
ejif-9019	72	3	regard	regard	NOUN
ejif-9019	72	4	,	,	PUNCT
ejif-9019	72	5	financial	financial	ADJ
ejif-9019	72	6	inclusion	inclusion	NOUN
ejif-9019	72	7	contributes	contribute	VERB
ejif-9019	72	8	to	to	ADP
ejif-9019	72	9	the	the	DET
ejif-9019	72	10	necessities	necessity	NOUN
ejif-9019	72	11	by	by	ADP
ejif-9019	72	12	ensuring	ensure	VERB
ejif-9019	72	13	that	that	SCONJ
ejif-9019	72	14	the	the	DET
ejif-9019	72	15	wealth	wealth	NOUN
ejif-9019	72	16	of	of	ADP
ejif-9019	72	17	society	society	NOUN
ejif-9019	72	18	members	member	NOUN
ejif-9019	72	19	is	be	AUX
ejif-9019	72	20	kept	keep	VERB
ejif-9019	72	21	securely	securely	ADV
ejif-9019	72	22	through	through	ADP
ejif-9019	72	23	shari’ah	shari’ah	NOUN
ejif-9019	72	24	-	-	PUNCT
ejif-9019	72	25	compliant	compliant	ADJ
ejif-9019	72	26	products	product	NOUN
ejif-9019	72	27	such	such	ADJ
ejif-9019	72	28	as	as	ADP
ejif-9019	72	29	wadi’ah	wadi’ah	NOUN
ejif-9019	72	30	safekeeping	safekeeping	NOUN
ejif-9019	72	31	accounts	account	NOUN
ejif-9019	72	32	(	(	PUNCT
ejif-9019	72	33	ahmed	ahme	VERB
ejif-9019	72	34	,	,	PUNCT
ejif-9019	72	35	2011	2011	NUM
ejif-9019	72	36	)	)	PUNCT
ejif-9019	72	37	.	.	PUNCT
ejif-9019	73	1	another	another	DET
ejif-9019	73	2	contribution	contribution	NOUN
ejif-9019	73	3	to	to	ADP
ejif-9019	73	4	the	the	DET
ejif-9019	73	5	necessities	necessity	NOUN
ejif-9019	73	6	is	be	AUX
ejif-9019	73	7	eliminating	eliminate	VERB
ejif-9019	73	8	unfair	unfair	ADJ
ejif-9019	73	9	exploitation	exploitation	NOUN
ejif-9019	73	10	caused	cause	VERB
ejif-9019	73	11	by	by	ADP
ejif-9019	73	12	usury	usury	NOUN
ejif-9019	73	13	and	and	CCONJ
ejif-9019	73	14	uncertainty	uncertainty	NOUN
ejif-9019	73	15	.	.	PUNCT
ejif-9019	74	1	additionally	additionally	ADV
ejif-9019	74	2	,	,	PUNCT
ejif-9019	74	3	as	as	SCONJ
ejif-9019	74	4	islamic	islamic	ADJ
ejif-9019	74	5	financial	financial	ADJ
ejif-9019	74	6	institutions	institution	NOUN
ejif-9019	74	7	are	be	AUX
ejif-9019	74	8	strictly	strictly	ADV
ejif-9019	74	9	prohibited	prohibit	VERB
ejif-9019	74	10	from	from	ADP
ejif-9019	74	11	involving	involve	VERB
ejif-9019	74	12	unethical	unethical	ADJ
ejif-9019	74	13	businesses	business	NOUN
ejif-9019	74	14	like	like	ADP
ejif-9019	74	15	alcohol	alcohol	NOUN
ejif-9019	74	16	or	or	CCONJ
ejif-9019	74	17	weapons	weapon	NOUN
ejif-9019	74	18	,	,	PUNCT
ejif-9019	74	19	society	society	NOUN
ejif-9019	74	20	will	will	AUX
ejif-9019	74	21	be	be	AUX
ejif-9019	74	22	safe	safe	ADJ
ejif-9019	74	23	from	from	ADP
ejif-9019	74	24	the	the	DET
ejif-9019	74	25	harmful	harmful	ADJ
ejif-9019	74	26	nature	nature	NOUN
ejif-9019	74	27	of	of	ADP
ejif-9019	74	28	these	these	DET
ejif-9019	74	29	businesses	business	NOUN
ejif-9019	74	30	(	(	PUNCT
ejif-9019	74	31	dusuki	dusuki	NOUN
ejif-9019	74	32	and	and	CCONJ
ejif-9019	74	33	bouheraoua	bouheraoua	NOUN
ejif-9019	74	34	,	,	PUNCT
ejif-9019	74	35	2011	2011	NUM
ejif-9019	74	36	)	)	PUNCT
ejif-9019	74	37	.	.	PUNCT
ejif-9019	75	1	the	the	DET
ejif-9019	75	2	next	next	ADJ
ejif-9019	75	3	level	level	NOUN
ejif-9019	75	4	is	be	AUX
ejif-9019	75	5	"	"	PUNCT
ejif-9019	75	6	compliments	compliment	NOUN
ejif-9019	75	7	"	"	PUNCT
ejif-9019	75	8	(	(	PUNCT
ejif-9019	75	9	hajiyyat	hajiyyat	PROPN
ejif-9019	75	10	)	)	PUNCT
ejif-9019	75	11	.	.	PUNCT
ejif-9019	76	1	this	this	DET
ejif-9019	76	2	component	component	NOUN
ejif-9019	76	3	is	be	AUX
ejif-9019	76	4	required	require	VERB
ejif-9019	76	5	to	to	PART
ejif-9019	76	6	eliminate	eliminate	VERB
ejif-9019	76	7	hardship	hardship	NOUN
ejif-9019	76	8	and	and	CCONJ
ejif-9019	76	9	facilitate	facilitate	VERB
ejif-9019	76	10	the	the	DET
ejif-9019	76	11	well	well	ADV
ejif-9019	76	12	-	-	PUNCT
ejif-9019	76	13	being	being	NOUN
ejif-9019	76	14	of	of	ADP
ejif-9019	76	15	humanity	humanity	NOUN
ejif-9019	76	16	(	(	PUNCT
ejif-9019	76	17	dusuki	dusuki	NOUN
ejif-9019	76	18	and	and	CCONJ
ejif-9019	76	19	bouheraoua	bouheraoua	NOUN
ejif-9019	76	20	,	,	PUNCT
ejif-9019	76	21	2011	2011	NUM
ejif-9019	76	22	)	)	PUNCT
ejif-9019	76	23	.	.	PUNCT
ejif-9019	77	1	under	under	ADP
ejif-9019	77	2	"	"	PUNCT
ejif-9019	77	3	compliments	compliment	NOUN
ejif-9019	77	4	,	,	PUNCT
ejif-9019	77	5	"	"	PUNCT
ejif-9019	77	6	financial	financial	ADJ
ejif-9019	77	7	inclusion	inclusion	NOUN
ejif-9019	77	8	can	can	AUX
ejif-9019	77	9	fulfil	fulfil	VERB
ejif-9019	77	10	the	the	DET
ejif-9019	77	11	everyday	everyday	ADJ
ejif-9019	77	12	needs	need	NOUN
ejif-9019	77	13	of	of	ADP
ejif-9019	77	14	individuals	individual	NOUN
ejif-9019	77	15	by	by	ADP
ejif-9019	77	16	financing	finance	VERB
ejif-9019	77	17	houses	house	NOUN
ejif-9019	77	18	and	and	CCONJ
ejif-9019	77	19	motor	motor	NOUN
ejif-9019	77	20	vehicles	vehicle	NOUN
ejif-9019	77	21	through	through	ADP
ejif-9019	77	22	murabahah	murabahah	NOUN
ejif-9019	77	23	and	and	CCONJ
ejif-9019	77	24	ijarah	ijarah	PROPN
ejif-9019	77	25	(	(	PUNCT
ejif-9019	77	26	ahmed	ahme	VERB
ejif-9019	77	27	,	,	PUNCT
ejif-9019	77	28	2011	2011	NUM
ejif-9019	77	29	)	)	PUNCT
ejif-9019	77	30	.	.	PUNCT
ejif-9019	78	1	the	the	DET
ejif-9019	78	2	last	last	ADJ
ejif-9019	78	3	component	component	NOUN
ejif-9019	78	4	at	at	ADP
ejif-9019	78	5	the	the	DET
ejif-9019	78	6	top	top	NOUN
ejif-9019	78	7	is	be	AUX
ejif-9019	78	8	"	"	PUNCT
ejif-9019	78	9	embellishments	embellishment	NOUN
ejif-9019	78	10	"	"	PUNCT
ejif-9019	78	11	(	(	PUNCT
ejif-9019	78	12	tahsiniyyat	tahsiniyyat	NOUN
ejif-9019	78	13	)	)	PUNCT
ejif-9019	78	14	.	.	PUNCT
ejif-9019	79	1	mukminin	mukminin	PROPN
ejif-9019	79	2	(	(	PUNCT
ejif-9019	79	3	2019	2019	NUM
ejif-9019	79	4	)	)	PUNCT
ejif-9019	79	5	highlights	highlight	NOUN
ejif-9019	79	6	that	that	PRON
ejif-9019	79	7	profits	profit	NOUN
ejif-9019	79	8	generated	generate	VERB
ejif-9019	79	9	from	from	ADP
ejif-9019	79	10	financial	financial	ADJ
ejif-9019	79	11	activities	activity	NOUN
ejif-9019	79	12	serve	serve	VERB
ejif-9019	79	13	a	a	DET
ejif-9019	79	14	dual	dual	ADJ
ejif-9019	79	15	purpose	purpose	NOUN
ejif-9019	79	16	:	:	PUNCT
ejif-9019	79	17	to	to	PART
ejif-9019	79	18	preserve	preserve	VERB
ejif-9019	79	19	and	and	CCONJ
ejif-9019	79	20	enhance	enhance	VERB
ejif-9019	79	21	wealth	wealth	NOUN
ejif-9019	79	22	and	and	CCONJ
ejif-9019	79	23	promote	promote	VERB
ejif-9019	79	24	the	the	DET
ejif-9019	79	25	welfare	welfare	NOUN
ejif-9019	79	26	of	of	ADP
ejif-9019	79	27	individuals	individual	NOUN
ejif-9019	79	28	,	,	PUNCT
ejif-9019	79	29	particularly	particularly	ADV
ejif-9019	79	30	those	those	PRON
ejif-9019	79	31	who	who	PRON
ejif-9019	79	32	have	have	AUX
ejif-9019	79	33	overcome	overcome	VERB
ejif-9019	79	34	adversity	adversity	NOUN
ejif-9019	79	35	and	and	CCONJ
ejif-9019	79	36	transformed	transform	VERB
ejif-9019	79	37	their	their	PRON
ejif-9019	79	38	resources	resource	NOUN
ejif-9019	79	39	into	into	ADP
ejif-9019	79	40	financial	financial	ADJ
ejif-9019	79	41	gains	gain	NOUN
ejif-9019	79	42	.	.	PUNCT
ejif-9019	80	1	this	this	DET
ejif-9019	80	2	approach	approach	NOUN
ejif-9019	80	3	underscores	underscore	VERB
ejif-9019	80	4	the	the	DET
ejif-9019	80	5	broader	broad	ADJ
ejif-9019	80	6	objectives	objective	NOUN
ejif-9019	80	7	of	of	ADP
ejif-9019	80	8	islamic	islamic	ADJ
ejif-9019	80	9	financial	financial	ADJ
ejif-9019	80	10	practices	practice	NOUN
ejif-9019	80	11	,	,	PUNCT
ejif-9019	80	12	which	which	PRON
ejif-9019	80	13	aim	aim	VERB
ejif-9019	80	14	to	to	PART
ejif-9019	80	15	support	support	VERB
ejif-9019	80	16	wealth	wealth	NOUN
ejif-9019	80	17	preservation	preservation	NOUN
ejif-9019	80	18	and	and	CCONJ
ejif-9019	80	19	individual	individual	ADJ
ejif-9019	80	20	well	well	ADV
ejif-9019	80	21	-	-	PUNCT
ejif-9019	80	22	being	being	NOUN
ejif-9019	80	23	.	.	PUNCT
ejif-9019	81	1	moreover	moreover	ADV
ejif-9019	81	2	,	,	PUNCT
ejif-9019	81	3	this	this	DET
ejif-9019	81	4	component	component	NOUN
ejif-9019	81	5	refers	refer	VERB
ejif-9019	81	6	to	to	ADP
ejif-9019	81	7	desirable	desirable	ADJ
ejif-9019	81	8	elements	element	NOUN
ejif-9019	81	9	that	that	PRON
ejif-9019	81	10	grant	grant	VERB
ejif-9019	81	11	additional	additional	ADJ
ejif-9019	81	12	value	value	NOUN
ejif-9019	81	13	to	to	ADP
ejif-9019	81	14	humankind	humankind	NOUN
ejif-9019	81	15	(	(	PUNCT
ejif-9019	81	16	tarique	tarique	NOUN
ejif-9019	81	17	et	et	PROPN
ejif-9019	81	18	al	al	PROPN
ejif-9019	81	19	.	.	PROPN
ejif-9019	81	20	,	,	PUNCT
ejif-9019	81	21	2017	2017	NUM
ejif-9019	81	22	)	)	PUNCT
ejif-9019	81	23	.	.	PUNCT
ejif-9019	82	1	these	these	DET
ejif-9019	82	2	elements	element	NOUN
ejif-9019	82	3	include	include	VERB
ejif-9019	82	4	voluntary	voluntary	ADJ
ejif-9019	82	5	acts	act	NOUN
ejif-9019	82	6	(	(	PUNCT
ejif-9019	82	7	vejzagic	vejzagic	NOUN
ejif-9019	82	8	and	and	CCONJ
ejif-9019	82	9	smolo	smolo	ADJ
ejif-9019	82	10	,	,	PUNCT
ejif-9019	82	11	2011	2011	NUM
ejif-9019	82	12	)	)	PUNCT
ejif-9019	82	13	.	.	PUNCT
ejif-9019	83	1	in	in	ADP
ejif-9019	83	2	this	this	DET
ejif-9019	83	3	regard	regard	NOUN
ejif-9019	83	4	,	,	PUNCT
ejif-9019	83	5	islamic	islamic	ADJ
ejif-9019	83	6	financial	financial	ADJ
ejif-9019	83	7	institutions	institution	NOUN
ejif-9019	83	8	can	can	AUX
ejif-9019	83	9	promote	promote	VERB
ejif-9019	83	10	financial	financial	ADJ
ejif-9019	83	11	inclusion	inclusion	NOUN
ejif-9019	83	12	by	by	ADP
ejif-9019	83	13	utilising	utilise	VERB
ejif-9019	83	14	income	income	NOUN
ejif-9019	83	15	redistribution	redistribution	NOUN
ejif-9019	83	16	instruments	instrument	NOUN
ejif-9019	83	17	like	like	ADP
ejif-9019	83	18	sadaqah	sadaqah	NOUN
ejif-9019	83	19	to	to	PART
ejif-9019	83	20	connect	connect	VERB
ejif-9019	83	21	many	many	ADJ
ejif-9019	83	22	poor	poor	ADJ
ejif-9019	83	23	people	people	NOUN
ejif-9019	83	24	to	to	ADP
ejif-9019	83	25	the	the	DET
ejif-9019	83	26	formal	formal	ADJ
ejif-9019	83	27	financial	financial	ADJ
ejif-9019	83	28	system	system	NOUN
ejif-9019	83	29	(	(	PUNCT
ejif-9019	83	30	zulkhibri	zulkhibri	NOUN
ejif-9019	83	31	,	,	PUNCT
ejif-9019	83	32	2016	2016	NUM
ejif-9019	83	33	)	)	PUNCT
ejif-9019	83	34	.	.	PUNCT
ejif-9019	84	1	hence	hence	ADV
ejif-9019	84	2	,	,	PUNCT
ejif-9019	84	3	islamic	islamic	PROPN
ejif-9019	84	4	ifi	ifi	PROPN
ejif-9019	84	5	could	could	AUX
ejif-9019	84	6	be	be	AUX
ejif-9019	84	7	crucial	crucial	ADJ
ejif-9019	84	8	in	in	ADP
ejif-9019	84	9	providing	provide	VERB
ejif-9019	84	10	a	a	DET
ejif-9019	84	11	comprehensive	comprehensive	ADJ
ejif-9019	84	12	framework	framework	NOUN
ejif-9019	84	13	for	for	ADP
ejif-9019	84	14	supporting	support	VERB
ejif-9019	84	15	all	all	DET
ejif-9019	84	16	societal	societal	ADJ
ejif-9019	84	17	groups	group	NOUN
ejif-9019	84	18	.	.	PUNCT
ejif-9019	84	19	!	!	PUNCT
ejif-9019	84	20	!	!	PUNCT
ejif-9019	85	1	"	"	PUNCT
ejif-9019	85	2	#	#	SYM
ejif-9019	85	3	$	$	SYM
ejif-9019	85	4	%	%	NOUN
ejif-9019	85	5	&	&	CCONJ
ejif-9019	85	6	&	&	CCONJ
ejif-9019	85	7	'	'	PROPN
ejif-9019	85	8	(	(	PUNCT
ejif-9019	85	9	)	)	PUNCT
ejif-9019	85	10	#	#	SYM
ejif-9019	85	11	%	%	NOUN
ejif-9019	85	12	*	*	PUNCT
ejif-9019	85	13	+	+	NOUN
ejif-9019	85	14	(	(	PUNCT
ejif-9019	85	15	!	!	PUNCT
ejif-9019	86	1	h-.)('*'//.+0	h-.)('*'//.+0	PROPN
ejif-9019	86	2	12#3&'#%*+	12#3&'#%*+	NUM
ejif-9019	86	3	(	(	PUNCT
ejif-9019	86	4	!	!	PUNCT
ejif-9019	87	1	h4.5'//.+0	h4.5'//.+0	PROPN
ejif-9019	87	2	6%7%(('+'%(!h8.9:9'//.+0	6%7%(('+'%(!h8.9:9'//.+0	NOUN
ejif-9019	87	3	!	!	PUNCT
ejif-9019	88	1	european	european	PROPN
ejif-9019	88	2	journal	journal	PROPN
ejif-9019	88	3	of	of	ADP
ejif-9019	88	4	islamic	islamic	PROPN
ejif-9019	88	5	finance	finance	PROPN
ejif-9019	88	6	issn	issn	PROPN
ejif-9019	88	7	:	:	PUNCT
ejif-9019	88	8	2421	2421	NUM
ejif-9019	88	9	-	-	SYM
ejif-9019	88	10	2172	2172	NUM
ejif-9019	88	11	doi	doi	NOUN
ejif-9019	88	12	:	:	PUNCT
ejif-9019	88	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	88	14	-	-	SYM
ejif-9019	88	15	2172/9019	2172/9019	NUM
ejif-9019	88	16	published	publish	VERB
ejif-9019	88	17	by	by	ADP
ejif-9019	88	18	university	university	PROPN
ejif-9019	88	19	of	of	ADP
ejif-9019	88	20	turin	turin	PROPN
ejif-9019	89	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	89	2	ejif	ejif	PROPN
ejif-9019	89	3	content	content	NOUN
ejif-9019	89	4	is	be	AUX
ejif-9019	89	5	licensed	license	VERB
ejif-9019	89	6	under	under	ADP
ejif-9019	89	7	a	a	DET
ejif-9019	89	8	creative	creative	ADJ
ejif-9019	89	9	commons	common	NOUN
ejif-9019	89	10	attribution	attribution	NOUN
ejif-9019	89	11	4.0	4.0	NUM
ejif-9019	89	12	international	international	ADJ
ejif-9019	89	13	license	license	NOUN
ejif-9019	89	14	5	5	NUM
ejif-9019	89	15	2.1	2.1	NUM
ejif-9019	89	16	the	the	DET
ejif-9019	89	17	relationship	relationship	NOUN
ejif-9019	89	18	between	between	ADP
ejif-9019	89	19	islamic	islamic	ADJ
ejif-9019	89	20	financial	financial	ADJ
ejif-9019	89	21	literacy	literacy	NOUN
ejif-9019	89	22	and	and	CCONJ
ejif-9019	89	23	islamic	islamic	ADJ
ejif-9019	89	24	financial	financial	ADJ
ejif-9019	89	25	inclusion	inclusion	NOUN
ejif-9019	89	26	the	the	DET
ejif-9019	89	27	advocates	advocate	NOUN
ejif-9019	89	28	of	of	ADP
ejif-9019	89	29	financial	financial	ADJ
ejif-9019	89	30	literacy	literacy	NOUN
ejif-9019	89	31	and	and	CCONJ
ejif-9019	89	32	inclusion	inclusion	NOUN
ejif-9019	89	33	(	(	PUNCT
ejif-9019	89	34	e.g.	e.g.	ADV
ejif-9019	89	35	,	,	PUNCT
ejif-9019	89	36	atkinson	atkinson	PROPN
ejif-9019	89	37	and	and	CCONJ
ejif-9019	89	38	messy	messy	ADJ
ejif-9019	89	39	,	,	PUNCT
ejif-9019	89	40	2013	2013	NUM
ejif-9019	89	41	;	;	PUNCT
ejif-9019	89	42	morgan	morgan	PROPN
ejif-9019	89	43	and	and	CCONJ
ejif-9019	89	44	long	long	ADJ
ejif-9019	89	45	,	,	PUNCT
ejif-9019	89	46	2020	2020	NUM
ejif-9019	89	47	)	)	PUNCT
ejif-9019	89	48	have	have	AUX
ejif-9019	89	49	asserted	assert	VERB
ejif-9019	89	50	that	that	SCONJ
ejif-9019	89	51	financial	financial	ADJ
ejif-9019	89	52	literacy	literacy	NOUN
ejif-9019	89	53	can	can	AUX
ejif-9019	89	54	positively	positively	ADV
ejif-9019	89	55	affect	affect	VERB
ejif-9019	89	56	access	access	NOUN
ejif-9019	89	57	to	to	ADP
ejif-9019	89	58	and	and	CCONJ
ejif-9019	89	59	use	use	NOUN
ejif-9019	89	60	of	of	ADP
ejif-9019	89	61	financial	financial	ADJ
ejif-9019	89	62	services	service	NOUN
ejif-9019	89	63	.	.	PUNCT
ejif-9019	90	1	moreover	moreover	ADV
ejif-9019	90	2	,	,	PUNCT
ejif-9019	90	3	with	with	ADP
ejif-9019	90	4	the	the	DET
ejif-9019	90	5	growth	growth	NOUN
ejif-9019	90	6	of	of	ADP
ejif-9019	90	7	innovation	innovation	NOUN
ejif-9019	90	8	and	and	CCONJ
ejif-9019	90	9	sophisticated	sophisticated	ADJ
ejif-9019	90	10	financial	financial	ADJ
ejif-9019	90	11	products	product	NOUN
ejif-9019	90	12	,	,	PUNCT
ejif-9019	90	13	customers	customer	NOUN
ejif-9019	90	14	require	require	VERB
ejif-9019	90	15	an	an	DET
ejif-9019	90	16	understanding	understanding	NOUN
ejif-9019	90	17	,	,	PUNCT
ejif-9019	90	18	skills	skill	NOUN
ejif-9019	90	19	,	,	PUNCT
ejif-9019	90	20	and	and	CCONJ
ejif-9019	90	21	confidence	confidence	NOUN
ejif-9019	90	22	to	to	PART
ejif-9019	90	23	use	use	VERB
ejif-9019	90	24	them	they	PRON
ejif-9019	90	25	more	more	ADV
ejif-9019	90	26	than	than	ADP
ejif-9019	90	27	ever	ever	ADV
ejif-9019	90	28	(	(	PUNCT
ejif-9019	90	29	demirguc	demirguc	PROPN
ejif-9019	90	30	-	-	PUNCT
ejif-9019	90	31	kunt	kunt	PROPN
ejif-9019	90	32	and	and	CCONJ
ejif-9019	90	33	klapper	klapper	NOUN
ejif-9019	90	34	,	,	PUNCT
ejif-9019	90	35	2012	2012	NUM
ejif-9019	90	36	)	)	PUNCT
ejif-9019	90	37	.	.	PUNCT
ejif-9019	91	1	the	the	DET
ejif-9019	91	2	review	review	NOUN
ejif-9019	91	3	of	of	ADP
ejif-9019	91	4	the	the	DET
ejif-9019	91	5	literature	literature	NOUN
ejif-9019	91	6	also	also	ADV
ejif-9019	91	7	reveals	reveal	VERB
ejif-9019	91	8	that	that	SCONJ
ejif-9019	91	9	financial	financial	ADJ
ejif-9019	91	10	literacy	literacy	NOUN
ejif-9019	91	11	enables	enable	VERB
ejif-9019	91	12	one	one	NUM
ejif-9019	91	13	to	to	PART
ejif-9019	91	14	evaluate	evaluate	VERB
ejif-9019	91	15	and	and	CCONJ
ejif-9019	91	16	compare	compare	VERB
ejif-9019	91	17	financial	financial	ADJ
ejif-9019	91	18	products	product	NOUN
ejif-9019	91	19	to	to	PART
ejif-9019	91	20	make	make	VERB
ejif-9019	91	21	a	a	DET
ejif-9019	91	22	well	well	ADV
ejif-9019	91	23	-	-	PUNCT
ejif-9019	91	24	informed	inform	VERB
ejif-9019	91	25	decision	decision	NOUN
ejif-9019	91	26	that	that	PRON
ejif-9019	91	27	satisfies	satisfy	VERB
ejif-9019	91	28	their	their	PRON
ejif-9019	91	29	financial	financial	ADJ
ejif-9019	91	30	needs	need	NOUN
ejif-9019	91	31	and	and	CCONJ
ejif-9019	91	32	achieves	achieve	VERB
ejif-9019	91	33	welfare	welfare	NOUN
ejif-9019	91	34	(	(	PUNCT
ejif-9019	91	35	atkinson	atkinson	PROPN
ejif-9019	91	36	and	and	CCONJ
ejif-9019	91	37	messy	messy	ADJ
ejif-9019	91	38	,	,	PUNCT
ejif-9019	91	39	2013	2013	NUM
ejif-9019	91	40	)	)	PUNCT
ejif-9019	91	41	.	.	PUNCT
ejif-9019	92	1	thus	thus	ADV
ejif-9019	92	2	,	,	PUNCT
ejif-9019	92	3	financial	financial	ADJ
ejif-9019	92	4	literacy	literacy	NOUN
ejif-9019	92	5	could	could	AUX
ejif-9019	92	6	facilitate	facilitate	VERB
ejif-9019	92	7	the	the	DET
ejif-9019	92	8	process	process	NOUN
ejif-9019	92	9	of	of	ADP
ejif-9019	92	10	decision	decision	NOUN
ejif-9019	92	11	-	-	PUNCT
ejif-9019	92	12	making	making	NOUN
ejif-9019	92	13	and	and	CCONJ
ejif-9019	92	14	help	help	VERB
ejif-9019	92	15	avoid	avoid	VERB
ejif-9019	92	16	financial	financial	ADJ
ejif-9019	92	17	mistakes	mistake	NOUN
ejif-9019	92	18	.	.	PUNCT
ejif-9019	93	1	the	the	DET
ejif-9019	93	2	study	study	NOUN
ejif-9019	93	3	by	by	ADP
ejif-9019	93	4	koomson	koomson	PROPN
ejif-9019	93	5	et	et	PROPN
ejif-9019	93	6	al	al	PROPN
ejif-9019	93	7	.	.	PROPN
ejif-9019	93	8	(	(	PUNCT
ejif-9019	93	9	2020	2020	NUM
ejif-9019	93	10	)	)	PUNCT
ejif-9019	93	11	shows	show	VERB
ejif-9019	93	12	that	that	SCONJ
ejif-9019	93	13	individuals	individual	NOUN
ejif-9019	93	14	with	with	ADP
ejif-9019	93	15	a	a	DET
ejif-9019	93	16	high	high	ADJ
ejif-9019	93	17	level	level	NOUN
ejif-9019	93	18	of	of	ADP
ejif-9019	93	19	financial	financial	ADJ
ejif-9019	93	20	literacy	literacy	NOUN
ejif-9019	93	21	are	be	AUX
ejif-9019	93	22	more	more	ADV
ejif-9019	93	23	likely	likely	ADJ
ejif-9019	93	24	to	to	PART
ejif-9019	93	25	know	know	VERB
ejif-9019	93	26	where	where	SCONJ
ejif-9019	93	27	to	to	PART
ejif-9019	93	28	seek	seek	VERB
ejif-9019	93	29	financial	financial	ADJ
ejif-9019	93	30	assistance	assistance	NOUN
ejif-9019	93	31	and	and	CCONJ
ejif-9019	93	32	can	can	AUX
ejif-9019	93	33	receive	receive	VERB
ejif-9019	93	34	financial	financial	ADJ
ejif-9019	93	35	advice	advice	NOUN
ejif-9019	93	36	from	from	ADP
ejif-9019	93	37	financial	financial	ADJ
ejif-9019	93	38	institutions	institution	NOUN
ejif-9019	93	39	.	.	PUNCT
ejif-9019	94	1	er	er	INTJ
ejif-9019	94	2	and	and	CCONJ
ejif-9019	94	3	mutlu	mutlu	PROPN
ejif-9019	94	4	(	(	PUNCT
ejif-9019	94	5	2017	2017	NUM
ejif-9019	94	6	)	)	PUNCT
ejif-9019	94	7	also	also	ADV
ejif-9019	94	8	pointed	point	VERB
ejif-9019	94	9	out	out	ADP
ejif-9019	94	10	that	that	SCONJ
ejif-9019	94	11	financial	financial	ADJ
ejif-9019	94	12	literacy	literacy	NOUN
ejif-9019	94	13	can	can	AUX
ejif-9019	94	14	eliminate	eliminate	VERB
ejif-9019	94	15	information	information	NOUN
ejif-9019	94	16	asymmetry	asymmetry	NOUN
ejif-9019	94	17	between	between	ADP
ejif-9019	94	18	banking	banking	NOUN
ejif-9019	94	19	agents	agent	NOUN
ejif-9019	94	20	and	and	CCONJ
ejif-9019	94	21	clients	client	NOUN
ejif-9019	94	22	.	.	PUNCT
ejif-9019	95	1	in	in	ADP
ejif-9019	95	2	this	this	DET
ejif-9019	95	3	respect	respect	NOUN
ejif-9019	95	4	,	,	PUNCT
ejif-9019	95	5	financial	financial	ADJ
ejif-9019	95	6	literacy	literacy	NOUN
ejif-9019	95	7	makes	make	VERB
ejif-9019	95	8	people	people	NOUN
ejif-9019	95	9	aware	aware	ADJ
ejif-9019	95	10	of	of	ADP
ejif-9019	95	11	what	what	PRON
ejif-9019	95	12	they	they	PRON
ejif-9019	95	13	can	can	AUX
ejif-9019	95	14	consider	consider	VERB
ejif-9019	95	15	their	their	PRON
ejif-9019	95	16	rights	right	NOUN
ejif-9019	95	17	from	from	ADP
ejif-9019	95	18	the	the	DET
ejif-9019	95	19	financial	financial	ADJ
ejif-9019	95	20	services	service	NOUN
ejif-9019	95	21	providers	provider	NOUN
ejif-9019	95	22	.	.	PUNCT
ejif-9019	96	1	furthermore	furthermore	ADV
ejif-9019	96	2	,	,	PUNCT
ejif-9019	96	3	senghore	senghore	X
ejif-9019	96	4	(	(	PUNCT
ejif-9019	96	5	2023	2023	NUM
ejif-9019	96	6	)	)	PUNCT
ejif-9019	96	7	emphasises	emphasise	VERB
ejif-9019	96	8	that	that	SCONJ
ejif-9019	96	9	ifl	ifl	PROPN
ejif-9019	96	10	and	and	CCONJ
ejif-9019	96	11	a	a	DET
ejif-9019	96	12	supportive	supportive	ADJ
ejif-9019	96	13	regulatory	regulatory	ADJ
ejif-9019	96	14	environment	environment	NOUN
ejif-9019	96	15	are	be	AUX
ejif-9019	96	16	crucial	crucial	ADJ
ejif-9019	96	17	for	for	ADP
ejif-9019	96	18	the	the	DET
ejif-9019	96	19	growth	growth	NOUN
ejif-9019	96	20	of	of	ADP
ejif-9019	96	21	the	the	DET
ejif-9019	96	22	islamic	islamic	ADJ
ejif-9019	96	23	finance	finance	NOUN
ejif-9019	96	24	sector	sector	NOUN
ejif-9019	96	25	.	.	PUNCT
ejif-9019	97	1	increased	increase	VERB
ejif-9019	97	2	public	public	ADJ
ejif-9019	97	3	awareness	awareness	NOUN
ejif-9019	97	4	and	and	CCONJ
ejif-9019	97	5	adoption	adoption	NOUN
ejif-9019	97	6	of	of	ADP
ejif-9019	97	7	these	these	DET
ejif-9019	97	8	products	product	NOUN
ejif-9019	97	9	,	,	PUNCT
ejif-9019	97	10	combined	combine	VERB
ejif-9019	97	11	with	with	ADP
ejif-9019	97	12	favourable	favourable	ADJ
ejif-9019	97	13	regulations	regulation	NOUN
ejif-9019	97	14	,	,	PUNCT
ejif-9019	97	15	will	will	AUX
ejif-9019	97	16	attract	attract	VERB
ejif-9019	97	17	investors	investor	NOUN
ejif-9019	97	18	and	and	CCONJ
ejif-9019	97	19	promote	promote	VERB
ejif-9019	97	20	competition	competition	NOUN
ejif-9019	97	21	.	.	PUNCT
ejif-9019	98	1	this	this	PRON
ejif-9019	98	2	,	,	PUNCT
ejif-9019	98	3	in	in	ADP
ejif-9019	98	4	turn	turn	NOUN
ejif-9019	98	5	,	,	PUNCT
ejif-9019	98	6	improves	improve	VERB
ejif-9019	98	7	product	product	NOUN
ejif-9019	98	8	quality	quality	NOUN
ejif-9019	98	9	and	and	CCONJ
ejif-9019	98	10	offers	offer	VERB
ejif-9019	98	11	consumers	consumer	NOUN
ejif-9019	98	12	a	a	DET
ejif-9019	98	13	wider	wide	ADJ
ejif-9019	98	14	range	range	NOUN
ejif-9019	98	15	of	of	ADP
ejif-9019	98	16	options	option	NOUN
ejif-9019	98	17	,	,	PUNCT
ejif-9019	98	18	promoting	promote	VERB
ejif-9019	98	19	greater	great	ADJ
ejif-9019	98	20	financial	financial	ADJ
ejif-9019	98	21	inclusion	inclusion	NOUN
ejif-9019	98	22	.	.	PUNCT
ejif-9019	99	1	nevertheless	nevertheless	ADV
ejif-9019	99	2	,	,	PUNCT
ejif-9019	99	3	some	some	DET
ejif-9019	99	4	studies	study	NOUN
ejif-9019	99	5	have	have	AUX
ejif-9019	99	6	concluded	conclude	VERB
ejif-9019	99	7	that	that	SCONJ
ejif-9019	99	8	financial	financial	ADJ
ejif-9019	99	9	literacy	literacy	NOUN
ejif-9019	99	10	has	have	VERB
ejif-9019	99	11	a	a	DET
ejif-9019	99	12	moderate	moderate	ADJ
ejif-9019	99	13	or	or	CCONJ
ejif-9019	99	14	little	little	ADJ
ejif-9019	99	15	impact	impact	NOUN
ejif-9019	99	16	on	on	ADP
ejif-9019	99	17	financial	financial	ADJ
ejif-9019	99	18	inclusion	inclusion	NOUN
ejif-9019	99	19	(	(	PUNCT
ejif-9019	99	20	bruhn	bruhn	NOUN
ejif-9019	99	21	et	et	NOUN
ejif-9019	99	22	al	al	PROPN
ejif-9019	99	23	.	.	PROPN
ejif-9019	99	24	,	,	PUNCT
ejif-9019	99	25	2014	2014	NUM
ejif-9019	99	26	;	;	PUNCT
ejif-9019	99	27	lyons	lyons	PROPN
ejif-9019	99	28	et	et	PROPN
ejif-9019	99	29	al	al	PROPN
ejif-9019	99	30	.	.	PROPN
ejif-9019	99	31	,	,	PUNCT
ejif-9019	99	32	2017	2017	NUM
ejif-9019	99	33	)	)	PUNCT
ejif-9019	99	34	.	.	PUNCT
ejif-9019	100	1	based	base	VERB
ejif-9019	100	2	on	on	ADP
ejif-9019	100	3	these	these	DET
ejif-9019	100	4	studies	study	NOUN
ejif-9019	100	5	,	,	PUNCT
ejif-9019	100	6	though	though	SCONJ
ejif-9019	100	7	positive	positive	ADJ
ejif-9019	100	8	impacts	impact	NOUN
ejif-9019	100	9	are	be	AUX
ejif-9019	100	10	discovered	discover	VERB
ejif-9019	100	11	,	,	PUNCT
ejif-9019	100	12	the	the	DET
ejif-9019	100	13	effects	effect	NOUN
ejif-9019	100	14	of	of	ADP
ejif-9019	100	15	financial	financial	ADJ
ejif-9019	100	16	literacy	literacy	NOUN
ejif-9019	100	17	are	be	AUX
ejif-9019	100	18	only	only	ADV
ejif-9019	100	19	on	on	ADP
ejif-9019	100	20	specific	specific	ADJ
ejif-9019	100	21	groups	group	NOUN
ejif-9019	100	22	of	of	ADP
ejif-9019	100	23	people	people	NOUN
ejif-9019	100	24	.	.	PUNCT
ejif-9019	101	1	additionally	additionally	ADV
ejif-9019	101	2	,	,	PUNCT
ejif-9019	101	3	ozili	ozili	NOUN
ejif-9019	101	4	(	(	PUNCT
ejif-9019	101	5	2021	2021	NUM
ejif-9019	101	6	)	)	PUNCT
ejif-9019	101	7	,	,	PUNCT
ejif-9019	101	8	who	who	PRON
ejif-9019	101	9	conducted	conduct	VERB
ejif-9019	101	10	a	a	DET
ejif-9019	101	11	global	global	ADJ
ejif-9019	101	12	review	review	NOUN
ejif-9019	101	13	of	of	ADP
ejif-9019	101	14	financial	financial	ADJ
ejif-9019	101	15	inclusion	inclusion	NOUN
ejif-9019	101	16	,	,	PUNCT
ejif-9019	101	17	found	find	VERB
ejif-9019	101	18	that	that	SCONJ
ejif-9019	101	19	financial	financial	ADJ
ejif-9019	101	20	literacy	literacy	NOUN
ejif-9019	101	21	can	can	AUX
ejif-9019	101	22	enhance	enhance	VERB
ejif-9019	101	23	financial	financial	ADJ
ejif-9019	101	24	inclusion	inclusion	NOUN
ejif-9019	101	25	when	when	SCONJ
ejif-9019	101	26	a	a	DET
ejif-9019	101	27	lack	lack	NOUN
ejif-9019	101	28	of	of	ADP
ejif-9019	101	29	knowledge	knowledge	NOUN
ejif-9019	101	30	is	be	AUX
ejif-9019	101	31	the	the	DET
ejif-9019	101	32	leading	leading	ADJ
ejif-9019	101	33	and	and	CCONJ
ejif-9019	101	34	only	only	ADJ
ejif-9019	101	35	barrier	barrier	NOUN
ejif-9019	101	36	to	to	ADP
ejif-9019	101	37	using	use	VERB
ejif-9019	101	38	financial	financial	ADJ
ejif-9019	101	39	services	service	NOUN
ejif-9019	101	40	.	.	PUNCT
ejif-9019	102	1	despite	despite	SCONJ
ejif-9019	102	2	several	several	ADJ
ejif-9019	102	3	studies	study	NOUN
ejif-9019	102	4	not	not	PART
ejif-9019	102	5	fully	fully	ADV
ejif-9019	102	6	supporting	support	VERB
ejif-9019	102	7	the	the	DET
ejif-9019	102	8	relationship	relationship	NOUN
ejif-9019	102	9	between	between	ADP
ejif-9019	102	10	financial	financial	ADJ
ejif-9019	102	11	literacy	literacy	NOUN
ejif-9019	102	12	and	and	CCONJ
ejif-9019	102	13	financial	financial	ADJ
ejif-9019	102	14	inclusion	inclusion	NOUN
ejif-9019	102	15	,	,	PUNCT
ejif-9019	102	16	the	the	DET
ejif-9019	102	17	recent	recent	ADJ
ejif-9019	102	18	global	global	ADJ
ejif-9019	102	19	financial	financial	ADJ
ejif-9019	102	20	crisis	crisis	NOUN
ejif-9019	102	21	has	have	AUX
ejif-9019	102	22	created	create	VERB
ejif-9019	102	23	a	a	DET
ejif-9019	102	24	growing	grow	VERB
ejif-9019	102	25	consensus	consensus	NOUN
ejif-9019	102	26	among	among	ADP
ejif-9019	102	27	policymakers	policymaker	NOUN
ejif-9019	102	28	to	to	PART
ejif-9019	102	29	acknowledge	acknowledge	VERB
ejif-9019	102	30	financial	financial	ADJ
ejif-9019	102	31	literacy	literacy	NOUN
ejif-9019	102	32	as	as	ADP
ejif-9019	102	33	an	an	DET
ejif-9019	102	34	essential	essential	ADJ
ejif-9019	102	35	element	element	NOUN
ejif-9019	102	36	for	for	ADP
ejif-9019	102	37	financial	financial	ADJ
ejif-9019	102	38	inclusion	inclusion	NOUN
ejif-9019	102	39	.	.	PUNCT
ejif-9019	103	1	international	international	ADJ
ejif-9019	103	2	agencies	agency	NOUN
ejif-9019	103	3	and	and	CCONJ
ejif-9019	103	4	governments	government	NOUN
ejif-9019	103	5	worldwide	worldwide	ADV
ejif-9019	103	6	have	have	AUX
ejif-9019	103	7	shown	show	VERB
ejif-9019	103	8	initiatives	initiative	NOUN
ejif-9019	103	9	to	to	PART
ejif-9019	103	10	promote	promote	VERB
ejif-9019	103	11	financial	financial	ADJ
ejif-9019	103	12	literacy	literacy	NOUN
ejif-9019	103	13	as	as	ADP
ejif-9019	103	14	a	a	DET
ejif-9019	103	15	complementary	complementary	ADJ
ejif-9019	103	16	policy	policy	NOUN
ejif-9019	103	17	to	to	PART
ejif-9019	103	18	achieve	achieve	VERB
ejif-9019	103	19	financial	financial	ADJ
ejif-9019	103	20	inclusion	inclusion	NOUN
ejif-9019	103	21	.	.	PUNCT
ejif-9019	104	1	this	this	PRON
ejif-9019	104	2	can	can	AUX
ejif-9019	104	3	be	be	AUX
ejif-9019	104	4	seen	see	VERB
ejif-9019	104	5	in	in	ADP
ejif-9019	104	6	the	the	DET
ejif-9019	104	7	world	world	NOUN
ejif-9019	104	8	bank	bank	PROPN
ejif-9019	104	9	's	's	PART
ejif-9019	104	10	target	target	NOUN
ejif-9019	104	11	of	of	ADP
ejif-9019	104	12	achieving	achieve	VERB
ejif-9019	104	13	universal	universal	ADJ
ejif-9019	104	14	financial	financial	ADJ
ejif-9019	104	15	access	access	NOUN
ejif-9019	104	16	(	(	PUNCT
ejif-9019	104	17	ufa	ufa	PROPN
ejif-9019	104	18	)	)	PUNCT
ejif-9019	104	19	,	,	PUNCT
ejif-9019	104	20	which	which	PRON
ejif-9019	104	21	recognised	recognise	VERB
ejif-9019	104	22	financial	financial	ADJ
ejif-9019	104	23	literacy	literacy	NOUN
ejif-9019	104	24	as	as	ADP
ejif-9019	104	25	one	one	NUM
ejif-9019	104	26	of	of	ADP
ejif-9019	104	27	the	the	DET
ejif-9019	104	28	main	main	ADJ
ejif-9019	104	29	drivers	driver	NOUN
ejif-9019	104	30	to	to	ADP
ejif-9019	104	31	attaining	attain	VERB
ejif-9019	104	32	ufa	ufa	PROPN
ejif-9019	104	33	(	(	PUNCT
ejif-9019	104	34	world	world	PROPN
ejif-9019	104	35	bank	bank	PROPN
ejif-9019	104	36	,	,	PUNCT
ejif-9019	104	37	2018	2018	NUM
ejif-9019	104	38	)	)	PUNCT
ejif-9019	104	39	.	.	PUNCT
ejif-9019	105	1	moreover	moreover	ADV
ejif-9019	105	2	,	,	PUNCT
ejif-9019	105	3	many	many	ADJ
ejif-9019	105	4	countries	country	NOUN
ejif-9019	105	5	,	,	PUNCT
ejif-9019	105	6	including	include	VERB
ejif-9019	105	7	thailand	thailand	PROPN
ejif-9019	105	8	,	,	PUNCT
ejif-9019	105	9	have	have	AUX
ejif-9019	105	10	established	establish	VERB
ejif-9019	105	11	a	a	DET
ejif-9019	105	12	framework	framework	NOUN
ejif-9019	105	13	for	for	ADP
ejif-9019	105	14	improving	improve	VERB
ejif-9019	105	15	financial	financial	ADJ
ejif-9019	105	16	inclusion	inclusion	NOUN
ejif-9019	105	17	and	and	CCONJ
ejif-9019	105	18	literacy	literacy	NOUN
ejif-9019	105	19	(	(	PUNCT
ejif-9019	105	20	nesdb	nesdb	NOUN
ejif-9019	105	21	,	,	PUNCT
ejif-9019	105	22	2016	2016	NUM
ejif-9019	105	23	)	)	PUNCT
ejif-9019	105	24	.	.	PUNCT
ejif-9019	106	1	as	as	ADP
ejif-9019	106	2	such	such	ADJ
ejif-9019	106	3	,	,	PUNCT
ejif-9019	106	4	policymakers	policymaker	NOUN
ejif-9019	106	5	view	view	VERB
ejif-9019	106	6	that	that	SCONJ
ejif-9019	106	7	financial	financial	ADJ
ejif-9019	106	8	literacy	literacy	NOUN
ejif-9019	106	9	and	and	CCONJ
ejif-9019	106	10	financial	financial	ADJ
ejif-9019	106	11	inclusion	inclusion	NOUN
ejif-9019	106	12	are	be	AUX
ejif-9019	106	13	highly	highly	ADV
ejif-9019	106	14	correlated	correlate	VERB
ejif-9019	106	15	and	and	CCONJ
ejif-9019	106	16	complement	complement	VERB
ejif-9019	106	17	each	each	DET
ejif-9019	106	18	other	other	ADJ
ejif-9019	106	19	.	.	PUNCT
ejif-9019	107	1	the	the	DET
ejif-9019	107	2	primary	primary	ADJ
ejif-9019	107	3	reason	reason	NOUN
ejif-9019	107	4	is	be	AUX
ejif-9019	107	5	that	that	SCONJ
ejif-9019	107	6	financial	financial	ADJ
ejif-9019	107	7	literacy	literacy	NOUN
ejif-9019	107	8	enables	enable	VERB
ejif-9019	107	9	people	people	NOUN
ejif-9019	107	10	to	to	PART
ejif-9019	107	11	make	make	VERB
ejif-9019	107	12	informed	informed	ADJ
ejif-9019	107	13	decisions	decision	NOUN
ejif-9019	107	14	about	about	ADP
ejif-9019	107	15	financial	financial	ADJ
ejif-9019	107	16	products	product	NOUN
ejif-9019	107	17	and	and	CCONJ
ejif-9019	107	18	services	service	NOUN
ejif-9019	107	19	,	,	PUNCT
ejif-9019	107	20	which	which	PRON
ejif-9019	107	21	leads	lead	VERB
ejif-9019	107	22	to	to	ADP
ejif-9019	107	23	sustainable	sustainable	ADJ
ejif-9019	107	24	finance	finance	NOUN
ejif-9019	107	25	and	and	CCONJ
ejif-9019	107	26	economic	economic	ADJ
ejif-9019	107	27	development	development	NOUN
ejif-9019	107	28	(	(	PUNCT
ejif-9019	107	29	atkinson	atkinson	PROPN
ejif-9019	107	30	and	and	CCONJ
ejif-9019	107	31	messy	messy	ADJ
ejif-9019	107	32	,	,	PUNCT
ejif-9019	107	33	2013	2013	NUM
ejif-9019	107	34	)	)	PUNCT
ejif-9019	107	35	.	.	PUNCT
ejif-9019	108	1	from	from	ADP
ejif-9019	108	2	the	the	DET
ejif-9019	108	3	islamic	islamic	PROPN
ejif-9019	108	4	perspective	perspective	NOUN
ejif-9019	108	5	,	,	PUNCT
ejif-9019	108	6	the	the	DET
ejif-9019	108	7	requirement	requirement	NOUN
ejif-9019	108	8	of	of	ADP
ejif-9019	108	9	ifl	ifl	PROPN
ejif-9019	108	10	and	and	CCONJ
ejif-9019	108	11	ifi	ifi	PROPN
ejif-9019	108	12	is	be	AUX
ejif-9019	108	13	mainly	mainly	ADV
ejif-9019	108	14	driven	drive	VERB
ejif-9019	108	15	by	by	ADP
ejif-9019	108	16	the	the	DET
ejif-9019	108	17	obligation	obligation	NOUN
ejif-9019	108	18	to	to	PART
ejif-9019	108	19	comply	comply	VERB
ejif-9019	108	20	with	with	ADP
ejif-9019	108	21	shari’ah	shari’ah	NOUN
ejif-9019	108	22	jurisprudence	jurisprudence	NOUN
ejif-9019	108	23	(	(	PUNCT
ejif-9019	108	24	shakeel	shakeel	PROPN
ejif-9019	108	25	,	,	PUNCT
ejif-9019	108	26	2017	2017	NUM
ejif-9019	108	27	)	)	PUNCT
ejif-9019	108	28	.	.	PUNCT
ejif-9019	109	1	additionally	additionally	ADV
ejif-9019	109	2	,	,	PUNCT
ejif-9019	109	3	ifl	ifl	PROPN
ejif-9019	109	4	is	be	AUX
ejif-9019	109	5	crucial	crucial	ADJ
ejif-9019	109	6	for	for	SCONJ
ejif-9019	109	7	muslims	muslims	PROPN
ejif-9019	109	8	to	to	PART
ejif-9019	109	9	navigate	navigate	VERB
ejif-9019	109	10	the	the	DET
ejif-9019	109	11	intricacies	intricacy	NOUN
ejif-9019	109	12	of	of	ADP
ejif-9019	109	13	islamic	islamic	ADJ
ejif-9019	109	14	financial	financial	ADJ
ejif-9019	109	15	products	product	NOUN
ejif-9019	109	16	and	and	CCONJ
ejif-9019	109	17	services	service	NOUN
ejif-9019	109	18	(	(	PUNCT
ejif-9019	109	19	nawi	nawi	INTJ
ejif-9019	109	20	et	et	PROPN
ejif-9019	109	21	al	al	PROPN
ejif-9019	109	22	.	.	PROPN
ejif-9019	109	23	,	,	PUNCT
ejif-9019	109	24	2018	2018	NUM
ejif-9019	109	25	)	)	PUNCT
ejif-9019	109	26	.	.	PUNCT
ejif-9019	110	1	according	accord	VERB
ejif-9019	110	2	to	to	ADP
ejif-9019	110	3	zaman	zaman	PROPN
ejif-9019	110	4	et	et	PROPN
ejif-9019	110	5	al	al	PROPN
ejif-9019	110	6	.	.	PROPN
ejif-9019	111	1	(	(	PUNCT
ejif-9019	111	2	2017	2017	NUM
ejif-9019	111	3	)	)	PUNCT
ejif-9019	111	4	,	,	PUNCT
ejif-9019	111	5	all	all	DET
ejif-9019	111	6	muslims	muslim	NOUN
ejif-9019	111	7	need	need	VERB
ejif-9019	111	8	to	to	PART
ejif-9019	111	9	grasp	grasp	VERB
ejif-9019	111	10	the	the	DET
ejif-9019	111	11	fundamental	fundamental	ADJ
ejif-9019	111	12	principles	principle	NOUN
ejif-9019	111	13	of	of	ADP
ejif-9019	111	14	islamic	islamic	ADJ
ejif-9019	111	15	finance	finance	NOUN
ejif-9019	111	16	,	,	PUNCT
ejif-9019	111	17	such	such	ADJ
ejif-9019	111	18	as	as	ADP
ejif-9019	111	19	the	the	DET
ejif-9019	111	20	profit	profit	NOUN
ejif-9019	111	21	and	and	CCONJ
ejif-9019	111	22	loss	loss	NOUN
ejif-9019	111	23	sharing	sharing	NOUN
ejif-9019	111	24	system	system	NOUN
ejif-9019	111	25	,	,	PUNCT
ejif-9019	111	26	the	the	DET
ejif-9019	111	27	islamic	islamic	ADJ
ejif-9019	111	28	modes	mode	NOUN
ejif-9019	111	29	of	of	ADP
ejif-9019	111	30	financing	financing	NOUN
ejif-9019	111	31	,	,	PUNCT
ejif-9019	111	32	and	and	CCONJ
ejif-9019	111	33	the	the	DET
ejif-9019	111	34	distinctions	distinction	NOUN
ejif-9019	111	35	between	between	ADP
ejif-9019	111	36	interest	interest	NOUN
ejif-9019	111	37	and	and	CCONJ
ejif-9019	111	38	profit	profit	NOUN
ejif-9019	111	39	,	,	PUNCT
ejif-9019	111	40	before	before	ADP
ejif-9019	111	41	participating	participate	VERB
ejif-9019	111	42	in	in	ADP
ejif-9019	111	43	the	the	DET
ejif-9019	111	44	islamic	islamic	ADJ
ejif-9019	111	45	financial	financial	ADJ
ejif-9019	111	46	system	system	NOUN
ejif-9019	111	47	.	.	PUNCT
ejif-9019	112	1	based	base	VERB
ejif-9019	112	2	on	on	ADP
ejif-9019	112	3	empirical	empirical	ADJ
ejif-9019	112	4	study	study	NOUN
ejif-9019	112	5	,	,	PUNCT
ejif-9019	112	6	a	a	DET
ejif-9019	112	7	potential	potential	ADJ
ejif-9019	112	8	link	link	NOUN
ejif-9019	112	9	between	between	ADP
ejif-9019	112	10	ifl	ifl	PROPN
ejif-9019	112	11	,	,	PUNCT
ejif-9019	112	12	ifi	ifi	PROPN
ejif-9019	112	13	,	,	PUNCT
ejif-9019	112	14	and	and	CCONJ
ejif-9019	112	15	actual	actual	ADJ
ejif-9019	112	16	economic	economic	ADJ
ejif-9019	112	17	activity	activity	NOUN
ejif-9019	112	18	has	have	AUX
ejif-9019	112	19	been	be	AUX
ejif-9019	112	20	observed	observe	VERB
ejif-9019	112	21	.	.	PUNCT
ejif-9019	113	1	the	the	DET
ejif-9019	113	2	study	study	NOUN
ejif-9019	113	3	conducted	conduct	VERB
ejif-9019	113	4	by	by	ADP
ejif-9019	113	5	rozikin	rozikin	NOUN
ejif-9019	113	6	and	and	CCONJ
ejif-9019	113	7	sholekhah	sholekhah	PROPN
ejif-9019	113	8	(	(	PUNCT
ejif-9019	113	9	2020	2020	NUM
ejif-9019	113	10	)	)	PUNCT
ejif-9019	113	11	demonstrated	demonstrate	VERB
ejif-9019	113	12	a	a	DET
ejif-9019	113	13	significant	significant	ADJ
ejif-9019	113	14	impact	impact	NOUN
ejif-9019	113	15	of	of	ADP
ejif-9019	113	16	ifl	ifl	PROPN
ejif-9019	113	17	on	on	ADP
ejif-9019	113	18	intentions	intention	NOUN
ejif-9019	113	19	to	to	PART
ejif-9019	113	20	save	save	VERB
ejif-9019	113	21	money	money	NOUN
ejif-9019	113	22	with	with	ADP
ejif-9019	113	23	islamic	islamic	ADJ
ejif-9019	113	24	financial	financial	ADJ
ejif-9019	113	25	institutions	institution	NOUN
ejif-9019	113	26	.	.	PUNCT
ejif-9019	114	1	since	since	SCONJ
ejif-9019	114	2	savings	saving	NOUN
ejif-9019	114	3	provide	provide	VERB
ejif-9019	114	4	european	european	ADJ
ejif-9019	114	5	journal	journal	PROPN
ejif-9019	114	6	of	of	ADP
ejif-9019	114	7	islamic	islamic	PROPN
ejif-9019	114	8	finance	finance	PROPN
ejif-9019	114	9	issn	issn	PROPN
ejif-9019	114	10	:	:	PUNCT
ejif-9019	114	11	2421	2421	NUM
ejif-9019	114	12	-	-	SYM
ejif-9019	114	13	2172	2172	NUM
ejif-9019	114	14	doi	doi	NOUN
ejif-9019	114	15	:	:	PUNCT
ejif-9019	114	16	10.13135/2421	10.13135/2421	NUM
ejif-9019	114	17	-	-	SYM
ejif-9019	114	18	2172/9019	2172/9019	NUM
ejif-9019	114	19	published	publish	VERB
ejif-9019	114	20	by	by	ADP
ejif-9019	114	21	university	university	PROPN
ejif-9019	114	22	of	of	ADP
ejif-9019	114	23	turin	turin	PROPN
ejif-9019	115	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	115	2	ejif	ejif	PROPN
ejif-9019	115	3	content	content	NOUN
ejif-9019	115	4	is	be	AUX
ejif-9019	115	5	licensed	license	VERB
ejif-9019	115	6	under	under	ADP
ejif-9019	115	7	a	a	DET
ejif-9019	115	8	creative	creative	ADJ
ejif-9019	115	9	commons	common	NOUN
ejif-9019	115	10	attribution	attribution	NOUN
ejif-9019	115	11	4.0	4.0	NUM
ejif-9019	115	12	international	international	ADJ
ejif-9019	115	13	license	license	NOUN
ejif-9019	115	14	6	6	NUM
ejif-9019	115	15	the	the	DET
ejif-9019	115	16	capital	capital	NOUN
ejif-9019	115	17	required	require	VERB
ejif-9019	115	18	for	for	ADP
ejif-9019	115	19	investment	investment	NOUN
ejif-9019	115	20	,	,	PUNCT
ejif-9019	115	21	when	when	SCONJ
ejif-9019	115	22	individuals	individual	NOUN
ejif-9019	115	23	save	save	VERB
ejif-9019	115	24	money	money	NOUN
ejif-9019	115	25	,	,	PUNCT
ejif-9019	115	26	these	these	DET
ejif-9019	115	27	funds	fund	NOUN
ejif-9019	115	28	can	can	AUX
ejif-9019	115	29	be	be	AUX
ejif-9019	115	30	channelled	channel	VERB
ejif-9019	115	31	to	to	PART
ejif-9019	115	32	support	support	VERB
ejif-9019	115	33	business	business	NOUN
ejif-9019	115	34	expansion	expansion	NOUN
ejif-9019	115	35	,	,	PUNCT
ejif-9019	115	36	resulting	result	VERB
ejif-9019	115	37	in	in	ADP
ejif-9019	115	38	job	job	NOUN
ejif-9019	115	39	creation	creation	NOUN
ejif-9019	115	40	and	and	CCONJ
ejif-9019	115	41	increased	increase	VERB
ejif-9019	115	42	productivity	productivity	NOUN
ejif-9019	115	43	(	(	PUNCT
ejif-9019	115	44	mankiw	mankiw	NOUN
ejif-9019	115	45	,	,	PUNCT
ejif-9019	115	46	2014	2014	NUM
ejif-9019	115	47	)	)	PUNCT
ejif-9019	115	48	.	.	PUNCT
ejif-9019	116	1	furthermore	furthermore	ADV
ejif-9019	116	2	,	,	PUNCT
ejif-9019	116	3	empirical	empirical	ADJ
ejif-9019	116	4	research	research	NOUN
ejif-9019	116	5	by	by	ADP
ejif-9019	116	6	basrowi	basrowi	NOUN
ejif-9019	116	7	et	et	PROPN
ejif-9019	116	8	al	al	PROPN
ejif-9019	116	9	.	.	PROPN
ejif-9019	117	1	(	(	PUNCT
ejif-9019	117	2	2020	2020	NUM
ejif-9019	117	3	)	)	PUNCT
ejif-9019	117	4	highlighted	highlight	VERB
ejif-9019	117	5	a	a	DET
ejif-9019	117	6	significant	significant	ADJ
ejif-9019	117	7	link	link	NOUN
ejif-9019	117	8	between	between	ADP
ejif-9019	117	9	ifl	ifl	PROPN
ejif-9019	117	10	and	and	CCONJ
ejif-9019	117	11	financial	financial	ADJ
ejif-9019	117	12	technology	technology	NOUN
ejif-9019	117	13	.	.	PUNCT
ejif-9019	118	1	the	the	DET
ejif-9019	118	2	work	work	NOUN
ejif-9019	118	3	of	of	ADP
ejif-9019	118	4	demirguc	demirguc	PROPN
ejif-9019	118	5	-	-	PUNCT
ejif-9019	118	6	kunt	kunt	PROPN
ejif-9019	118	7	et	et	PROPN
ejif-9019	118	8	al	al	PROPN
ejif-9019	118	9	.	.	PROPN
ejif-9019	119	1	(	(	PUNCT
ejif-9019	119	2	2018	2018	NUM
ejif-9019	119	3	)	)	PUNCT
ejif-9019	119	4	in	in	ADP
ejif-9019	119	5	the	the	DET
ejif-9019	119	6	global	global	ADJ
ejif-9019	119	7	findex	findex	PROPN
ejif-9019	119	8	database	database	PROPN
ejif-9019	119	9	2017	2017	NUM
ejif-9019	119	10	emphasises	emphasise	VERB
ejif-9019	119	11	the	the	DET
ejif-9019	119	12	importance	importance	NOUN
ejif-9019	119	13	of	of	ADP
ejif-9019	119	14	financial	financial	ADJ
ejif-9019	119	15	technology	technology	NOUN
ejif-9019	119	16	in	in	ADP
ejif-9019	119	17	promoting	promote	VERB
ejif-9019	119	18	economic	economic	ADJ
ejif-9019	119	19	activities	activity	NOUN
ejif-9019	119	20	,	,	PUNCT
ejif-9019	119	21	particularly	particularly	ADV
ejif-9019	119	22	by	by	ADP
ejif-9019	119	23	increasing	increase	VERB
ejif-9019	119	24	access	access	NOUN
ejif-9019	119	25	to	to	ADP
ejif-9019	119	26	financial	financial	ADJ
ejif-9019	119	27	services	service	NOUN
ejif-9019	119	28	via	via	ADP
ejif-9019	119	29	mobile	mobile	ADJ
ejif-9019	119	30	banking	banking	NOUN
ejif-9019	119	31	and	and	CCONJ
ejif-9019	119	32	other	other	ADJ
ejif-9019	119	33	digital	digital	ADJ
ejif-9019	119	34	platforms	platform	NOUN
ejif-9019	119	35	,	,	PUNCT
ejif-9019	119	36	especially	especially	ADV
ejif-9019	119	37	for	for	ADP
ejif-9019	119	38	unbanked	unbanked	ADJ
ejif-9019	119	39	or	or	CCONJ
ejif-9019	119	40	underserved	underserved	ADJ
ejif-9019	119	41	populations	population	NOUN
ejif-9019	119	42	.	.	PUNCT
ejif-9019	120	1	financial	financial	ADJ
ejif-9019	120	2	technology	technology	NOUN
ejif-9019	120	3	has	have	AUX
ejif-9019	120	4	also	also	ADV
ejif-9019	120	5	been	be	AUX
ejif-9019	120	6	recognised	recognise	VERB
ejif-9019	120	7	as	as	ADP
ejif-9019	120	8	a	a	DET
ejif-9019	120	9	driving	drive	VERB
ejif-9019	120	10	force	force	NOUN
ejif-9019	120	11	behind	behind	ADP
ejif-9019	120	12	the	the	DET
ejif-9019	120	13	creation	creation	NOUN
ejif-9019	120	14	of	of	ADP
ejif-9019	120	15	innovative	innovative	ADJ
ejif-9019	120	16	financial	financial	ADJ
ejif-9019	120	17	products	product	NOUN
ejif-9019	120	18	.	.	PUNCT
ejif-9019	121	1	technologies	technology	NOUN
ejif-9019	121	2	such	such	ADJ
ejif-9019	121	3	as	as	ADP
ejif-9019	121	4	artificial	artificial	ADJ
ejif-9019	121	5	intelligence	intelligence	NOUN
ejif-9019	121	6	,	,	PUNCT
ejif-9019	121	7	big	big	ADJ
ejif-9019	121	8	data	datum	NOUN
ejif-9019	121	9	analytics	analytic	NOUN
ejif-9019	121	10	,	,	PUNCT
ejif-9019	121	11	and	and	CCONJ
ejif-9019	121	12	blockchain	blockchain	PROPN
ejif-9019	121	13	have	have	AUX
ejif-9019	121	14	all	all	ADV
ejif-9019	121	15	played	play	VERB
ejif-9019	121	16	instrumental	instrumental	ADJ
ejif-9019	121	17	roles	role	NOUN
ejif-9019	121	18	in	in	ADP
ejif-9019	121	19	improving	improve	VERB
ejif-9019	121	20	existing	exist	VERB
ejif-9019	121	21	financial	financial	ADJ
ejif-9019	121	22	products	product	NOUN
ejif-9019	121	23	or	or	CCONJ
ejif-9019	121	24	developing	develop	VERB
ejif-9019	121	25	new	new	ADJ
ejif-9019	121	26	ones	one	NOUN
ejif-9019	121	27	(	(	PUNCT
ejif-9019	121	28	demirguc	demirguc	PROPN
ejif-9019	121	29	-	-	PUNCT
ejif-9019	121	30	kunt	kunt	PROPN
ejif-9019	121	31	et	et	PROPN
ejif-9019	121	32	al	al	PROPN
ejif-9019	121	33	.	.	PROPN
ejif-9019	121	34	,	,	PUNCT
ejif-9019	121	35	2018	2018	NUM
ejif-9019	121	36	)	)	PUNCT
ejif-9019	121	37	.	.	PUNCT
ejif-9019	122	1	some	some	DET
ejif-9019	122	2	studies	study	NOUN
ejif-9019	122	3	in	in	ADP
ejif-9019	122	4	the	the	DET
ejif-9019	122	5	field	field	NOUN
ejif-9019	122	6	have	have	AUX
ejif-9019	122	7	also	also	ADV
ejif-9019	122	8	indicated	indicate	VERB
ejif-9019	122	9	that	that	SCONJ
ejif-9019	122	10	ifl	ifl	PROPN
ejif-9019	122	11	can	can	AUX
ejif-9019	122	12	ensure	ensure	VERB
ejif-9019	122	13	sustainable	sustainable	ADJ
ejif-9019	122	14	finance	finance	NOUN
ejif-9019	122	15	by	by	ADP
ejif-9019	122	16	preventing	prevent	VERB
ejif-9019	122	17	excessive	excessive	ADJ
ejif-9019	122	18	risks	risk	NOUN
ejif-9019	122	19	(	(	PUNCT
ejif-9019	122	20	yunus	yunus	PROPN
ejif-9019	122	21	et	et	PROPN
ejif-9019	122	22	al	al	PROPN
ejif-9019	122	23	.	.	PROPN
ejif-9019	122	24	,	,	PUNCT
ejif-9019	122	25	2021	2021	NUM
ejif-9019	122	26	)	)	PUNCT
ejif-9019	122	27	and	and	CCONJ
ejif-9019	122	28	minimising	minimise	VERB
ejif-9019	122	29	bankruptcy	bankruptcy	NOUN
ejif-9019	122	30	(	(	PUNCT
ejif-9019	122	31	abdullah	abdullah	PROPN
ejif-9019	122	32	et	et	PROPN
ejif-9019	122	33	al	al	PROPN
ejif-9019	122	34	.	.	PROPN
ejif-9019	122	35	,	,	PUNCT
ejif-9019	122	36	2022	2022	NUM
ejif-9019	122	37	)	)	PUNCT
ejif-9019	122	38	in	in	ADP
ejif-9019	122	39	the	the	DET
ejif-9019	122	40	market	market	NOUN
ejif-9019	122	41	.	.	PUNCT
ejif-9019	123	1	these	these	DET
ejif-9019	123	2	empirical	empirical	ADJ
ejif-9019	123	3	data	datum	NOUN
ejif-9019	123	4	highlight	highlight	VERB
ejif-9019	123	5	the	the	DET
ejif-9019	123	6	potential	potential	ADJ
ejif-9019	123	7	consequences	consequence	NOUN
ejif-9019	123	8	of	of	ADP
ejif-9019	123	9	ifl	ifl	PROPN
ejif-9019	123	10	and	and	CCONJ
ejif-9019	123	11	ifi	ifi	PROPN
ejif-9019	123	12	in	in	ADP
ejif-9019	123	13	the	the	DET
ejif-9019	123	14	economy	economy	NOUN
ejif-9019	123	15	.	.	PUNCT
ejif-9019	124	1	thus	thus	ADV
ejif-9019	124	2	,	,	PUNCT
ejif-9019	124	3	if	if	SCONJ
ejif-9019	124	4	muslims	muslim	NOUN
ejif-9019	124	5	are	be	AUX
ejif-9019	124	6	well	well	ADV
ejif-9019	124	7	-	-	PUNCT
ejif-9019	124	8	equipped	equip	VERB
ejif-9019	124	9	with	with	ADP
ejif-9019	124	10	ifl	ifl	PROPN
ejif-9019	124	11	,	,	PUNCT
ejif-9019	124	12	it	it	PRON
ejif-9019	124	13	could	could	AUX
ejif-9019	124	14	provide	provide	VERB
ejif-9019	124	15	prosperity	prosperity	NOUN
ejif-9019	124	16	for	for	ADP
ejif-9019	124	17	the	the	DET
ejif-9019	124	18	islamic	islamic	ADJ
ejif-9019	124	19	banking	banking	NOUN
ejif-9019	124	20	industry	industry	NOUN
ejif-9019	124	21	and	and	CCONJ
ejif-9019	124	22	the	the	DET
ejif-9019	124	23	economy	economy	NOUN
ejif-9019	124	24	.	.	PUNCT
ejif-9019	125	1	2.2	2.2	NUM
ejif-9019	125	2	the	the	DET
ejif-9019	125	3	measurement	measurement	NOUN
ejif-9019	125	4	of	of	ADP
ejif-9019	125	5	islamic	islamic	ADJ
ejif-9019	125	6	financial	financial	ADJ
ejif-9019	125	7	literacy	literacy	NOUN
ejif-9019	125	8	and	and	CCONJ
ejif-9019	125	9	islamic	islamic	ADJ
ejif-9019	125	10	financial	financial	ADJ
ejif-9019	125	11	inclusion	inclusion	NOUN
ejif-9019	125	12	measures	measure	NOUN
ejif-9019	125	13	used	use	VERB
ejif-9019	125	14	to	to	PART
ejif-9019	125	15	evaluate	evaluate	VERB
ejif-9019	125	16	conventional	conventional	ADJ
ejif-9019	125	17	financial	financial	ADJ
ejif-9019	125	18	literacy	literacy	NOUN
ejif-9019	125	19	have	have	AUX
ejif-9019	125	20	not	not	PART
ejif-9019	125	21	been	be	AUX
ejif-9019	125	22	adequately	adequately	ADV
ejif-9019	125	23	tailored	tailor	VERB
ejif-9019	125	24	for	for	ADP
ejif-9019	125	25	muslims	muslim	NOUN
ejif-9019	125	26	.	.	PUNCT
ejif-9019	126	1	for	for	ADP
ejif-9019	126	2	example	example	NOUN
ejif-9019	126	3	,	,	PUNCT
ejif-9019	126	4	the	the	DET
ejif-9019	126	5	inclusion	inclusion	NOUN
ejif-9019	126	6	of	of	ADP
ejif-9019	126	7	interest	interest	NOUN
ejif-9019	126	8	in	in	ADP
ejif-9019	126	9	traditional	traditional	ADJ
ejif-9019	126	10	financial	financial	ADJ
ejif-9019	126	11	literacy	literacy	NOUN
ejif-9019	126	12	frameworks	framework	NOUN
ejif-9019	126	13	contradicts	contradict	VERB
ejif-9019	126	14	the	the	DET
ejif-9019	126	15	principles	principle	NOUN
ejif-9019	126	16	of	of	ADP
ejif-9019	126	17	islamic	islamic	ADJ
ejif-9019	126	18	finance	finance	NOUN
ejif-9019	126	19	.	.	PUNCT
ejif-9019	127	1	the	the	DET
ejif-9019	127	2	literature	literature	PROPN
ejif-9019	127	3	review	review	NOUN
ejif-9019	127	4	on	on	ADP
ejif-9019	127	5	the	the	DET
ejif-9019	127	6	measurement	measurement	NOUN
ejif-9019	127	7	of	of	ADP
ejif-9019	127	8	ifl	ifl	PROPN
ejif-9019	127	9	reveals	reveal	VERB
ejif-9019	127	10	that	that	SCONJ
ejif-9019	127	11	most	most	ADJ
ejif-9019	127	12	empirical	empirical	ADJ
ejif-9019	127	13	studies	study	NOUN
ejif-9019	127	14	assess	assess	VERB
ejif-9019	127	15	it	it	PRON
ejif-9019	127	16	by	by	ADP
ejif-9019	127	17	examining	examine	VERB
ejif-9019	127	18	the	the	DET
ejif-9019	127	19	understanding	understanding	NOUN
ejif-9019	127	20	of	of	ADP
ejif-9019	127	21	the	the	DET
ejif-9019	127	22	principles	principle	NOUN
ejif-9019	127	23	of	of	ADP
ejif-9019	127	24	islamic	islamic	ADJ
ejif-9019	127	25	finance	finance	NOUN
ejif-9019	127	26	,	,	PUNCT
ejif-9019	127	27	such	such	ADJ
ejif-9019	127	28	as	as	ADP
ejif-9019	127	29	islamic	islamic	ADJ
ejif-9019	127	30	financial	financial	ADV
ejif-9019	127	31	-	-	PUNCT
ejif-9019	127	32	related	relate	VERB
ejif-9019	127	33	terms	term	NOUN
ejif-9019	127	34	(	(	PUNCT
ejif-9019	127	35	rozikin	rozikin	NOUN
ejif-9019	127	36	and	and	CCONJ
ejif-9019	127	37	sholekhah	sholekhah	NOUN
ejif-9019	127	38	,	,	PUNCT
ejif-9019	127	39	2020	2020	NUM
ejif-9019	127	40	;	;	PUNCT
ejif-9019	127	41	zaman	zaman	X
ejif-9019	127	42	et	et	PROPN
ejif-9019	127	43	al	al	PROPN
ejif-9019	127	44	.	.	PROPN
ejif-9019	127	45	,	,	PUNCT
ejif-9019	127	46	2017	2017	NUM
ejif-9019	127	47	)	)	PUNCT
ejif-9019	127	48	,	,	PUNCT
ejif-9019	127	49	charity	charity	NOUN
ejif-9019	127	50	in	in	ADP
ejif-9019	127	51	islam	islam	PROPN
ejif-9019	127	52	(	(	PUNCT
ejif-9019	127	53	aisyah	aisyah	PROPN
ejif-9019	127	54	and	and	CCONJ
ejif-9019	127	55	seapuloh	seapuloh	NOUN
ejif-9019	127	56	,	,	PUNCT
ejif-9019	127	57	2019	2019	NUM
ejif-9019	127	58	)	)	PUNCT
ejif-9019	127	59	,	,	PUNCT
ejif-9019	127	60	and	and	CCONJ
ejif-9019	127	61	computation	computation	NOUN
ejif-9019	127	62	questions	question	NOUN
ejif-9019	127	63	(	(	PUNCT
ejif-9019	127	64	er	er	INTJ
ejif-9019	127	65	and	and	CCONJ
ejif-9019	127	66	mutlu	mutlu	PROPN
ejif-9019	127	67	,	,	PUNCT
ejif-9019	127	68	2017	2017	NUM
ejif-9019	127	69	;	;	PUNCT
ejif-9019	127	70	yunus	yunus	PROPN
ejif-9019	127	71	et	et	PROPN
ejif-9019	127	72	al	al	PROPN
ejif-9019	127	73	.	.	PROPN
ejif-9019	127	74	,	,	PUNCT
ejif-9019	127	75	2021	2021	NUM
ejif-9019	127	76	)	)	PUNCT
ejif-9019	127	77	.	.	PUNCT
ejif-9019	128	1	researchers	researcher	NOUN
ejif-9019	128	2	have	have	AUX
ejif-9019	128	3	also	also	ADV
ejif-9019	128	4	measured	measure	VERB
ejif-9019	128	5	it	it	PRON
ejif-9019	128	6	by	by	ADP
ejif-9019	128	7	assessing	assess	VERB
ejif-9019	128	8	awareness	awareness	NOUN
ejif-9019	128	9	and	and	CCONJ
ejif-9019	128	10	perception	perception	NOUN
ejif-9019	128	11	of	of	ADP
ejif-9019	128	12	islamic	islamic	ADJ
ejif-9019	128	13	financial	financial	ADJ
ejif-9019	128	14	products	product	NOUN
ejif-9019	128	15	and	and	CCONJ
ejif-9019	128	16	services	service	NOUN
ejif-9019	128	17	in	in	ADP
ejif-9019	128	18	the	the	DET
ejif-9019	128	19	market	market	NOUN
ejif-9019	128	20	(	(	PUNCT
ejif-9019	128	21	albaity	albaity	NOUN
ejif-9019	128	22	and	and	CCONJ
ejif-9019	128	23	rahman	rahman	PROPN
ejif-9019	128	24	,	,	PUNCT
ejif-9019	128	25	2019	2019	NUM
ejif-9019	128	26	;	;	PUNCT
ejif-9019	128	27	alfarisi	alfarisi	PROPN
ejif-9019	128	28	et	et	PROPN
ejif-9019	128	29	al	al	PROPN
ejif-9019	128	30	.	.	PROPN
ejif-9019	128	31	,	,	PUNCT
ejif-9019	128	32	2020	2020	NUM
ejif-9019	128	33	)	)	PUNCT
ejif-9019	128	34	.	.	PUNCT
ejif-9019	129	1	moreover	moreover	ADV
ejif-9019	129	2	,	,	PUNCT
ejif-9019	129	3	er	er	INTJ
ejif-9019	129	4	and	and	CCONJ
ejif-9019	129	5	mutlu	mutlu	PROPN
ejif-9019	129	6	(	(	PUNCT
ejif-9019	129	7	2017	2017	NUM
ejif-9019	129	8	)	)	PUNCT
ejif-9019	129	9	and	and	CCONJ
ejif-9019	129	10	yunus	yunus	PROPN
ejif-9019	129	11	et	et	PROPN
ejif-9019	129	12	al	al	PROPN
ejif-9019	129	13	.	.	PROPN
ejif-9019	130	1	(	(	PUNCT
ejif-9019	130	2	2021	2021	NUM
ejif-9019	130	3	)	)	PUNCT
ejif-9019	130	4	have	have	AUX
ejif-9019	130	5	constructed	construct	VERB
ejif-9019	130	6	a	a	DET
ejif-9019	130	7	set	set	NOUN
ejif-9019	130	8	of	of	ADP
ejif-9019	130	9	questions	question	NOUN
ejif-9019	130	10	relating	relate	VERB
ejif-9019	130	11	to	to	ADP
ejif-9019	130	12	personal	personal	ADJ
ejif-9019	130	13	financial	financial	ADJ
ejif-9019	130	14	planning	planning	NOUN
ejif-9019	130	15	and	and	CCONJ
ejif-9019	130	16	management	management	NOUN
ejif-9019	130	17	based	base	VERB
ejif-9019	130	18	on	on	ADP
ejif-9019	130	19	shari’ah	shari’ah	PROPN
ejif-9019	130	20	principles	principle	NOUN
ejif-9019	130	21	.	.	PUNCT
ejif-9019	131	1	it	it	PRON
ejif-9019	131	2	was	be	AUX
ejif-9019	131	3	found	find	VERB
ejif-9019	131	4	that	that	SCONJ
ejif-9019	131	5	researchers	researcher	NOUN
ejif-9019	131	6	in	in	ADP
ejif-9019	131	7	the	the	DET
ejif-9019	131	8	field	field	NOUN
ejif-9019	131	9	also	also	ADV
ejif-9019	131	10	used	use	VERB
ejif-9019	131	11	qualitative	qualitative	ADJ
ejif-9019	131	12	measurements	measurement	NOUN
ejif-9019	131	13	to	to	PART
ejif-9019	131	14	assess	assess	VERB
ejif-9019	131	15	ifl	ifl	PROPN
ejif-9019	131	16	.	.	PUNCT
ejif-9019	132	1	abdullah	abdullah	PROPN
ejif-9019	132	2	and	and	CCONJ
ejif-9019	132	3	razak	razak	PROPN
ejif-9019	132	4	(	(	PUNCT
ejif-9019	132	5	2015	2015	NUM
ejif-9019	132	6	)	)	PUNCT
ejif-9019	132	7	adopted	adopt	VERB
ejif-9019	132	8	an	an	DET
ejif-9019	132	9	interview	interview	NOUN
ejif-9019	132	10	technique	technique	NOUN
ejif-9019	132	11	to	to	PART
ejif-9019	132	12	investigate	investigate	VERB
ejif-9019	132	13	the	the	DET
ejif-9019	132	14	significance	significance	NOUN
ejif-9019	132	15	and	and	CCONJ
ejif-9019	132	16	necessity	necessity	NOUN
ejif-9019	132	17	of	of	ADP
ejif-9019	132	18	ifl	ifl	PROPN
ejif-9019	132	19	and	and	CCONJ
ejif-9019	132	20	explore	explore	VERB
ejif-9019	132	21	islamic	islamic	ADJ
ejif-9019	132	22	financial	financial	ADJ
ejif-9019	132	23	education	education	NOUN
ejif-9019	132	24	and	and	CCONJ
ejif-9019	132	25	planning	planning	NOUN
ejif-9019	132	26	.	.	PUNCT
ejif-9019	133	1	in	in	ADP
ejif-9019	133	2	2021	2021	NUM
ejif-9019	133	3	,	,	PUNCT
ejif-9019	133	4	dewi	dewi	PROPN
ejif-9019	133	5	and	and	CCONJ
ejif-9019	133	6	ferdian	ferdian	ADJ
ejif-9019	133	7	conducted	conduct	VERB
ejif-9019	133	8	workshops	workshop	NOUN
ejif-9019	133	9	on	on	ADP
ejif-9019	133	10	islamic	islamic	ADJ
ejif-9019	133	11	financial	financial	ADJ
ejif-9019	133	12	literacy	literacy	NOUN
ejif-9019	133	13	to	to	PART
ejif-9019	133	14	present	present	VERB
ejif-9019	133	15	a	a	DET
ejif-9019	133	16	comprehensive	comprehensive	ADJ
ejif-9019	133	17	educational	educational	ADJ
ejif-9019	133	18	model	model	NOUN
ejif-9019	133	19	to	to	PART
ejif-9019	133	20	improve	improve	VERB
ejif-9019	133	21	ifl	ifl	PROPN
ejif-9019	133	22	.	.	PUNCT
ejif-9019	134	1	abdullah	abdullah	PROPN
ejif-9019	134	2	et	et	PROPN
ejif-9019	134	3	al	al	PROPN
ejif-9019	134	4	.	.	PROPN
ejif-9019	135	1	(	(	PUNCT
ejif-9019	135	2	2022	2022	NUM
ejif-9019	135	3	)	)	PUNCT
ejif-9019	135	4	utilised	utilise	VERB
ejif-9019	135	5	a	a	DET
ejif-9019	135	6	semi	semi	ADJ
ejif-9019	135	7	-	-	ADJ
ejif-9019	135	8	structured	structured	ADJ
ejif-9019	135	9	interview	interview	NOUN
ejif-9019	135	10	to	to	PART
ejif-9019	135	11	gather	gather	VERB
ejif-9019	135	12	expert	expert	ADJ
ejif-9019	135	13	opinions	opinion	NOUN
ejif-9019	135	14	on	on	ADP
ejif-9019	135	15	whether	whether	SCONJ
ejif-9019	135	16	ifl	ifl	PROPN
ejif-9019	135	17	can	can	AUX
ejif-9019	135	18	minimise	minimise	VERB
ejif-9019	135	19	bankruptcy	bankruptcy	NOUN
ejif-9019	135	20	among	among	ADP
ejif-9019	135	21	muslims	muslims	PROPN
ejif-9019	135	22	.	.	PUNCT
ejif-9019	136	1	in	in	ADP
ejif-9019	136	2	another	another	DET
ejif-9019	136	3	study	study	NOUN
ejif-9019	136	4	,	,	PUNCT
ejif-9019	136	5	khasanah	khasanah	PROPN
ejif-9019	136	6	et	et	PROPN
ejif-9019	136	7	al	al	PROPN
ejif-9019	136	8	.	.	PROPN
ejif-9019	137	1	(	(	PUNCT
ejif-9019	137	2	2022	2022	NUM
ejif-9019	137	3	)	)	PUNCT
ejif-9019	137	4	employed	employ	VERB
ejif-9019	137	5	ethnographic	ethnographic	ADJ
ejif-9019	137	6	studies	study	NOUN
ejif-9019	137	7	using	use	VERB
ejif-9019	137	8	direct	direct	ADJ
ejif-9019	137	9	observation	observation	NOUN
ejif-9019	137	10	and	and	CCONJ
ejif-9019	137	11	interviews	interview	NOUN
ejif-9019	137	12	to	to	PART
ejif-9019	137	13	determine	determine	VERB
ejif-9019	137	14	factors	factor	NOUN
ejif-9019	137	15	that	that	PRON
ejif-9019	137	16	impact	impact	VERB
ejif-9019	137	17	the	the	DET
ejif-9019	137	18	level	level	NOUN
ejif-9019	137	19	of	of	ADP
ejif-9019	137	20	ifl	ifl	PROPN
ejif-9019	137	21	in	in	ADP
ejif-9019	137	22	various	various	ADJ
ejif-9019	137	23	communities	community	NOUN
ejif-9019	137	24	.	.	PUNCT
ejif-9019	138	1	furthermore	furthermore	ADV
ejif-9019	138	2	,	,	PUNCT
ejif-9019	138	3	yuslem	yuslem	INTJ
ejif-9019	138	4	et	et	PROPN
ejif-9019	138	5	al	al	PROPN
ejif-9019	138	6	.	.	PROPN
ejif-9019	138	7	(	(	PUNCT
ejif-9019	138	8	2023	2023	NUM
ejif-9019	138	9	)	)	PUNCT
ejif-9019	138	10	used	use	VERB
ejif-9019	138	11	a	a	DET
ejif-9019	138	12	qualitative	qualitative	ADJ
ejif-9019	138	13	approach	approach	NOUN
ejif-9019	138	14	with	with	ADP
ejif-9019	138	15	a	a	DET
ejif-9019	138	16	case	case	NOUN
ejif-9019	138	17	study	study	NOUN
ejif-9019	138	18	technique	technique	NOUN
ejif-9019	138	19	to	to	PART
ejif-9019	138	20	investigate	investigate	VERB
ejif-9019	138	21	the	the	DET
ejif-9019	138	22	problem	problem	NOUN
ejif-9019	138	23	of	of	ADP
ejif-9019	138	24	ifl	ifl	PROPN
ejif-9019	138	25	among	among	ADP
ejif-9019	138	26	islamic	islamic	ADJ
ejif-9019	138	27	scholars	scholar	NOUN
ejif-9019	138	28	.	.	PUNCT
ejif-9019	139	1	as	as	SCONJ
ejif-9019	139	2	such	such	ADJ
ejif-9019	139	3	,	,	PUNCT
ejif-9019	139	4	qualitative	qualitative	ADJ
ejif-9019	139	5	measurements	measurement	NOUN
ejif-9019	139	6	can	can	AUX
ejif-9019	139	7	be	be	AUX
ejif-9019	139	8	used	use	VERB
ejif-9019	139	9	to	to	PART
ejif-9019	139	10	delve	delve	VERB
ejif-9019	139	11	deeply	deeply	ADV
ejif-9019	139	12	into	into	ADP
ejif-9019	139	13	the	the	DET
ejif-9019	139	14	perspectives	perspective	NOUN
ejif-9019	139	15	of	of	ADP
ejif-9019	139	16	ifl	ifl	PROPN
ejif-9019	139	17	and	and	CCONJ
ejif-9019	139	18	discover	discover	VERB
ejif-9019	139	19	information	information	NOUN
ejif-9019	139	20	that	that	PRON
ejif-9019	139	21	can	can	AUX
ejif-9019	139	22	not	not	PART
ejif-9019	139	23	be	be	AUX
ejif-9019	139	24	obtained	obtain	VERB
ejif-9019	139	25	through	through	ADP
ejif-9019	139	26	quantitative	quantitative	ADJ
ejif-9019	139	27	surveys	survey	NOUN
ejif-9019	139	28	.	.	PUNCT
ejif-9019	140	1	in	in	ADP
ejif-9019	140	2	this	this	DET
ejif-9019	140	3	study	study	NOUN
ejif-9019	140	4	,	,	PUNCT
ejif-9019	140	5	the	the	DET
ejif-9019	140	6	level	level	NOUN
ejif-9019	140	7	of	of	ADP
ejif-9019	140	8	ifl	ifl	PROPN
ejif-9019	140	9	is	be	AUX
ejif-9019	140	10	measured	measure	VERB
ejif-9019	140	11	quantitatively	quantitatively	ADV
ejif-9019	140	12	from	from	ADP
ejif-9019	140	13	the	the	DET
ejif-9019	140	14	aspects	aspect	NOUN
ejif-9019	140	15	of	of	ADP
ejif-9019	140	16	islamic	islamic	ADJ
ejif-9019	140	17	financial	financial	ADJ
ejif-9019	140	18	knowledge	knowledge	NOUN
ejif-9019	140	19	,	,	PUNCT
ejif-9019	140	20	attitude	attitude	NOUN
ejif-9019	140	21	,	,	PUNCT
ejif-9019	140	22	and	and	CCONJ
ejif-9019	140	23	behaviour	behaviour	NOUN
ejif-9019	140	24	.	.	PUNCT
ejif-9019	141	1	this	this	DET
ejif-9019	141	2	research	research	NOUN
ejif-9019	141	3	has	have	AUX
ejif-9019	141	4	also	also	ADV
ejif-9019	141	5	incorporated	incorporate	VERB
ejif-9019	141	6	qualitative	qualitative	ADJ
ejif-9019	141	7	interviews	interview	NOUN
ejif-9019	141	8	to	to	PART
ejif-9019	141	9	gain	gain	VERB
ejif-9019	141	10	insightful	insightful	ADJ
ejif-9019	141	11	information	information	NOUN
ejif-9019	141	12	regarding	regard	VERB
ejif-9019	141	13	ifl	ifl	PROPN
ejif-9019	141	14	in	in	ADP
ejif-9019	141	15	the	the	DET
ejif-9019	141	16	research	research	NOUN
ejif-9019	141	17	context	context	NOUN
ejif-9019	141	18	.	.	PUNCT
ejif-9019	142	1	the	the	DET
ejif-9019	142	2	use	use	NOUN
ejif-9019	142	3	of	of	ADP
ejif-9019	142	4	the	the	DET
ejif-9019	142	5	qualitative	qualitative	ADJ
ejif-9019	142	6	technique	technique	NOUN
ejif-9019	142	7	is	be	AUX
ejif-9019	142	8	expected	expect	VERB
ejif-9019	142	9	to	to	PART
ejif-9019	142	10	complement	complement	VERB
ejif-9019	142	11	the	the	DET
ejif-9019	142	12	findings	finding	NOUN
ejif-9019	142	13	of	of	ADP
ejif-9019	142	14	quantitative	quantitative	ADJ
ejif-9019	142	15	measurements	measurement	NOUN
ejif-9019	142	16	.	.	PUNCT
ejif-9019	143	1	for	for	ADP
ejif-9019	143	2	financial	financial	ADJ
ejif-9019	143	3	inclusion	inclusion	NOUN
ejif-9019	143	4	,	,	PUNCT
ejif-9019	143	5	most	most	ADJ
ejif-9019	143	6	studies	study	NOUN
ejif-9019	143	7	from	from	ADP
ejif-9019	143	8	islamic	islamic	ADJ
ejif-9019	143	9	perspectives	perspective	NOUN
ejif-9019	143	10	have	have	AUX
ejif-9019	143	11	utilised	utilise	VERB
ejif-9019	143	12	the	the	DET
ejif-9019	143	13	same	same	ADJ
ejif-9019	143	14	indicators	indicator	NOUN
ejif-9019	143	15	to	to	PART
ejif-9019	143	16	measure	measure	VERB
ejif-9019	143	17	financial	financial	ADJ
ejif-9019	143	18	inclusion	inclusion	NOUN
ejif-9019	143	19	as	as	ADP
ejif-9019	143	20	conventional	conventional	ADJ
ejif-9019	143	21	ones	one	NOUN
ejif-9019	143	22	.	.	PUNCT
ejif-9019	144	1	the	the	DET
ejif-9019	144	2	measurement	measurement	NOUN
ejif-9019	144	3	was	be	AUX
ejif-9019	144	4	found	find	VERB
ejif-9019	144	5	to	to	PART
ejif-9019	144	6	be	be	AUX
ejif-9019	144	7	conducted	conduct	VERB
ejif-9019	144	8	on	on	ADP
ejif-9019	144	9	both	both	CCONJ
ejif-9019	144	10	the	the	DET
ejif-9019	144	11	demand	demand	NOUN
ejif-9019	144	12	side	side	NOUN
ejif-9019	144	13	and	and	CCONJ
ejif-9019	144	14	the	the	DET
ejif-9019	144	15	supply	supply	NOUN
ejif-9019	144	16	side	side	NOUN
ejif-9019	144	17	.	.	PUNCT
ejif-9019	145	1	typically	typically	ADV
ejif-9019	145	2	,	,	PUNCT
ejif-9019	145	3	individual	individual	ADJ
ejif-9019	145	4	or	or	CCONJ
ejif-9019	145	5	household	household	NOUN
ejif-9019	145	6	surveys	survey	NOUN
ejif-9019	145	7	are	be	AUX
ejif-9019	145	8	used	use	VERB
ejif-9019	145	9	to	to	PART
ejif-9019	145	10	gather	gather	VERB
ejif-9019	145	11	data	datum	NOUN
ejif-9019	145	12	from	from	ADP
ejif-9019	145	13	the	the	DET
ejif-9019	145	14	demand	demand	NOUN
ejif-9019	145	15	side	side	NOUN
ejif-9019	145	16	.	.	PUNCT
ejif-9019	146	1	there	there	PRON
ejif-9019	146	2	are	be	VERB
ejif-9019	146	3	three	three	NUM
ejif-9019	146	4	significant	significant	ADJ
ejif-9019	146	5	indicators	indicator	NOUN
ejif-9019	146	6	european	european	PROPN
ejif-9019	146	7	journal	journal	PROPN
ejif-9019	146	8	of	of	ADP
ejif-9019	146	9	islamic	islamic	PROPN
ejif-9019	146	10	finance	finance	PROPN
ejif-9019	146	11	issn	issn	PROPN
ejif-9019	146	12	:	:	PUNCT
ejif-9019	146	13	2421	2421	NUM
ejif-9019	146	14	-	-	SYM
ejif-9019	146	15	2172	2172	NUM
ejif-9019	146	16	doi	doi	NOUN
ejif-9019	146	17	:	:	PUNCT
ejif-9019	146	18	10.13135/2421	10.13135/2421	NUM
ejif-9019	146	19	-	-	SYM
ejif-9019	146	20	2172/9019	2172/9019	NUM
ejif-9019	146	21	published	publish	VERB
ejif-9019	146	22	by	by	ADP
ejif-9019	146	23	university	university	PROPN
ejif-9019	146	24	of	of	ADP
ejif-9019	146	25	turin	turin	PROPN
ejif-9019	147	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	147	2	ejif	ejif	PROPN
ejif-9019	147	3	content	content	NOUN
ejif-9019	147	4	is	be	AUX
ejif-9019	147	5	licensed	license	VERB
ejif-9019	147	6	under	under	ADP
ejif-9019	147	7	a	a	DET
ejif-9019	147	8	creative	creative	ADJ
ejif-9019	147	9	commons	common	NOUN
ejif-9019	147	10	attribution	attribution	NOUN
ejif-9019	147	11	4.0	4.0	NUM
ejif-9019	147	12	international	international	ADJ
ejif-9019	147	13	license	license	NOUN
ejif-9019	147	14	7	7	NUM
ejif-9019	147	15	of	of	ADP
ejif-9019	147	16	financial	financial	ADJ
ejif-9019	147	17	inclusion	inclusion	NOUN
ejif-9019	147	18	from	from	ADP
ejif-9019	147	19	the	the	DET
ejif-9019	147	20	demand	demand	NOUN
ejif-9019	147	21	side	side	NOUN
ejif-9019	147	22	.	.	PUNCT
ejif-9019	148	1	the	the	DET
ejif-9019	148	2	first	first	ADJ
ejif-9019	148	3	indicator	indicator	NOUN
ejif-9019	148	4	is	be	AUX
ejif-9019	148	5	financial	financial	ADJ
ejif-9019	148	6	access	access	NOUN
ejif-9019	148	7	,	,	PUNCT
ejif-9019	148	8	associated	associate	VERB
ejif-9019	148	9	with	with	ADP
ejif-9019	148	10	measuring	measure	VERB
ejif-9019	148	11	accessibility	accessibility	NOUN
ejif-9019	148	12	to	to	ADP
ejif-9019	148	13	formal	formal	ADJ
ejif-9019	148	14	financial	financial	ADJ
ejif-9019	148	15	services	service	NOUN
ejif-9019	148	16	(	(	PUNCT
ejif-9019	148	17	bank	bank	NOUN
ejif-9019	148	18	for	for	ADP
ejif-9019	148	19	international	international	ADJ
ejif-9019	148	20	settlements	settlement	NOUN
ejif-9019	148	21	,	,	PUNCT
ejif-9019	148	22	2015	2015	NUM
ejif-9019	148	23	)	)	PUNCT
ejif-9019	148	24	.	.	PUNCT
ejif-9019	149	1	many	many	ADJ
ejif-9019	149	2	previous	previous	ADJ
ejif-9019	149	3	studies	study	NOUN
ejif-9019	149	4	(	(	PUNCT
ejif-9019	149	5	e.g.	e.g.	ADV
ejif-9019	149	6	,	,	PUNCT
ejif-9019	149	7	abdullah	abdullah	PROPN
ejif-9019	149	8	et	et	PROPN
ejif-9019	149	9	al	al	PROPN
ejif-9019	149	10	.	.	PROPN
ejif-9019	149	11	,	,	PUNCT
ejif-9019	149	12	2021	2021	NUM
ejif-9019	149	13	;	;	PUNCT
ejif-9019	149	14	demirguc	demirguc	PROPN
ejif-9019	149	15	-	-	PUNCT
ejif-9019	149	16	kunt	kunt	PROPN
ejif-9019	149	17	et	et	PROPN
ejif-9019	149	18	al	al	PROPN
ejif-9019	149	19	.	.	PROPN
ejif-9019	149	20	,	,	PUNCT
ejif-9019	149	21	2013	2013	NUM
ejif-9019	149	22	)	)	PUNCT
ejif-9019	149	23	have	have	AUX
ejif-9019	149	24	measured	measure	VERB
ejif-9019	149	25	access	access	NOUN
ejif-9019	149	26	to	to	ADP
ejif-9019	149	27	financial	financial	ADJ
ejif-9019	149	28	services	service	NOUN
ejif-9019	149	29	by	by	ADP
ejif-9019	149	30	the	the	DET
ejif-9019	149	31	degree	degree	NOUN
ejif-9019	149	32	of	of	ADP
ejif-9019	149	33	account	account	NOUN
ejif-9019	149	34	ownership	ownership	NOUN
ejif-9019	149	35	.	.	PUNCT
ejif-9019	150	1	the	the	DET
ejif-9019	150	2	second	second	ADJ
ejif-9019	150	3	indicator	indicator	NOUN
ejif-9019	150	4	is	be	AUX
ejif-9019	150	5	financial	financial	ADJ
ejif-9019	150	6	usage	usage	NOUN
ejif-9019	150	7	,	,	PUNCT
ejif-9019	150	8	which	which	PRON
ejif-9019	150	9	refers	refer	VERB
ejif-9019	150	10	to	to	ADP
ejif-9019	150	11	how	how	SCONJ
ejif-9019	150	12	individuals	individual	NOUN
ejif-9019	150	13	use	use	VERB
ejif-9019	150	14	the	the	DET
ejif-9019	150	15	financial	financial	ADJ
ejif-9019	150	16	services	service	NOUN
ejif-9019	150	17	available	available	ADJ
ejif-9019	150	18	(	(	PUNCT
ejif-9019	150	19	bank	bank	NOUN
ejif-9019	150	20	for	for	ADP
ejif-9019	150	21	international	international	ADJ
ejif-9019	150	22	settlements	settlement	NOUN
ejif-9019	150	23	,	,	PUNCT
ejif-9019	150	24	2015	2015	NUM
ejif-9019	150	25	)	)	PUNCT
ejif-9019	150	26	.	.	PUNCT
ejif-9019	151	1	numerous	numerous	ADJ
ejif-9019	151	2	studies	study	NOUN
ejif-9019	151	3	have	have	AUX
ejif-9019	151	4	examined	examine	VERB
ejif-9019	151	5	usage	usage	NOUN
ejif-9019	151	6	by	by	ADP
ejif-9019	151	7	looking	look	VERB
ejif-9019	151	8	at	at	ADP
ejif-9019	151	9	using	use	VERB
ejif-9019	151	10	an	an	DET
ejif-9019	151	11	account	account	NOUN
ejif-9019	151	12	to	to	PART
ejif-9019	151	13	save	save	VERB
ejif-9019	151	14	and	and	CCONJ
ejif-9019	151	15	using	use	VERB
ejif-9019	151	16	bank	bank	NOUN
ejif-9019	151	17	credit	credit	NOUN
ejif-9019	151	18	.	.	PUNCT
ejif-9019	152	1	the	the	DET
ejif-9019	152	2	data	datum	NOUN
ejif-9019	152	3	from	from	ADP
ejif-9019	152	4	financial	financial	ADJ
ejif-9019	152	5	usage	usage	NOUN
ejif-9019	152	6	can	can	AUX
ejif-9019	152	7	help	help	AUX
ejif-9019	152	8	identify	identify	VERB
ejif-9019	152	9	types	type	NOUN
ejif-9019	152	10	,	,	PUNCT
ejif-9019	152	11	patterns	pattern	NOUN
ejif-9019	152	12	,	,	PUNCT
ejif-9019	152	13	and	and	CCONJ
ejif-9019	152	14	behaviours	behaviour	NOUN
ejif-9019	152	15	related	relate	VERB
ejif-9019	152	16	to	to	ADP
ejif-9019	152	17	using	use	VERB
ejif-9019	152	18	financial	financial	ADJ
ejif-9019	152	19	services	service	NOUN
ejif-9019	152	20	(	(	PUNCT
ejif-9019	152	21	demirguc	demirguc	PROPN
ejif-9019	152	22	-	-	PUNCT
ejif-9019	152	23	kunt	kunt	PROPN
ejif-9019	152	24	and	and	CCONJ
ejif-9019	152	25	klapper	klapper	NOUN
ejif-9019	152	26	,	,	PUNCT
ejif-9019	152	27	2013	2013	NUM
ejif-9019	152	28	)	)	PUNCT
ejif-9019	152	29	.	.	PUNCT
ejif-9019	153	1	the	the	DET
ejif-9019	153	2	third	third	ADJ
ejif-9019	153	3	indicator	indicator	NOUN
ejif-9019	153	4	is	be	AUX
ejif-9019	153	5	barriers	barrier	NOUN
ejif-9019	153	6	,	,	PUNCT
ejif-9019	153	7	which	which	PRON
ejif-9019	153	8	measure	measure	VERB
ejif-9019	153	9	obstacles	obstacle	NOUN
ejif-9019	153	10	that	that	PRON
ejif-9019	153	11	prevent	prevent	VERB
ejif-9019	153	12	individuals	individual	NOUN
ejif-9019	153	13	from	from	ADP
ejif-9019	153	14	accessing	access	VERB
ejif-9019	153	15	financial	financial	ADJ
ejif-9019	153	16	services	service	NOUN
ejif-9019	153	17	(	(	PUNCT
ejif-9019	153	18	camara	camara	PROPN
ejif-9019	153	19	and	and	CCONJ
ejif-9019	153	20	tuesta	tuesta	NOUN
ejif-9019	153	21	,	,	PUNCT
ejif-9019	153	22	2017	2017	NUM
ejif-9019	153	23	)	)	PUNCT
ejif-9019	153	24	.	.	PUNCT
ejif-9019	154	1	most	most	ADJ
ejif-9019	154	2	recent	recent	ADJ
ejif-9019	154	3	studies	study	NOUN
ejif-9019	154	4	have	have	AUX
ejif-9019	154	5	adopted	adopt	VERB
ejif-9019	154	6	self	self	NOUN
ejif-9019	154	7	-	-	PUNCT
ejif-9019	154	8	reported	report	VERB
ejif-9019	154	9	barriers	barrier	NOUN
ejif-9019	154	10	to	to	ADP
ejif-9019	154	11	using	use	VERB
ejif-9019	154	12	formal	formal	ADJ
ejif-9019	154	13	accounts	account	NOUN
ejif-9019	154	14	,	,	PUNCT
ejif-9019	154	15	as	as	SCONJ
ejif-9019	154	16	suggested	suggest	VERB
ejif-9019	154	17	by	by	ADP
ejif-9019	154	18	global	global	ADJ
ejif-9019	154	19	findex	findex	NOUN
ejif-9019	154	20	,	,	PUNCT
ejif-9019	154	21	which	which	PRON
ejif-9019	154	22	outlines	outline	VERB
ejif-9019	154	23	seven	seven	NUM
ejif-9019	154	24	possible	possible	ADJ
ejif-9019	154	25	reasons	reason	NOUN
ejif-9019	154	26	for	for	ADP
ejif-9019	154	27	not	not	PART
ejif-9019	154	28	having	have	VERB
ejif-9019	154	29	a	a	DET
ejif-9019	154	30	bank	bank	NOUN
ejif-9019	154	31	account	account	NOUN
ejif-9019	154	32	.	.	PUNCT
ejif-9019	155	1	these	these	DET
ejif-9019	155	2	reasons	reason	NOUN
ejif-9019	155	3	include	include	VERB
ejif-9019	155	4	the	the	DET
ejif-9019	155	5	cost	cost	NOUN
ejif-9019	155	6	of	of	ADP
ejif-9019	155	7	financial	financial	ADJ
ejif-9019	155	8	services	service	NOUN
ejif-9019	155	9	,	,	PUNCT
ejif-9019	155	10	distance	distance	NOUN
ejif-9019	155	11	to	to	ADP
ejif-9019	155	12	financial	financial	ADJ
ejif-9019	155	13	services	service	NOUN
ejif-9019	155	14	,	,	PUNCT
ejif-9019	155	15	lack	lack	NOUN
ejif-9019	155	16	of	of	ADP
ejif-9019	155	17	trust	trust	NOUN
ejif-9019	155	18	in	in	ADP
ejif-9019	155	19	financial	financial	ADJ
ejif-9019	155	20	institutions	institution	NOUN
ejif-9019	155	21	,	,	PUNCT
ejif-9019	155	22	joint	joint	ADJ
ejif-9019	155	23	use	use	NOUN
ejif-9019	155	24	of	of	ADP
ejif-9019	155	25	financial	financial	ADJ
ejif-9019	155	26	services	service	NOUN
ejif-9019	155	27	,	,	PUNCT
ejif-9019	155	28	religious	religious	ADJ
ejif-9019	155	29	reasons	reason	NOUN
ejif-9019	155	30	,	,	PUNCT
ejif-9019	155	31	lack	lack	NOUN
ejif-9019	155	32	of	of	ADP
ejif-9019	155	33	money	money	NOUN
ejif-9019	155	34	,	,	PUNCT
ejif-9019	155	35	and	and	CCONJ
ejif-9019	155	36	documentary	documentary	NOUN
ejif-9019	155	37	requirements	requirement	NOUN
ejif-9019	155	38	(	(	PUNCT
ejif-9019	155	39	demirguc	demirguc	PROPN
ejif-9019	155	40	-	-	PUNCT
ejif-9019	155	41	kunt	kunt	PROPN
ejif-9019	155	42	and	and	CCONJ
ejif-9019	155	43	klapper	klapper	NOUN
ejif-9019	155	44	,	,	PUNCT
ejif-9019	155	45	2012	2012	NUM
ejif-9019	155	46	)	)	PUNCT
ejif-9019	155	47	.	.	PUNCT
ejif-9019	156	1	individuals	individual	NOUN
ejif-9019	156	2	can	can	AUX
ejif-9019	156	3	choose	choose	VERB
ejif-9019	156	4	more	more	ADJ
ejif-9019	156	5	than	than	ADP
ejif-9019	156	6	one	one	NUM
ejif-9019	156	7	reason	reason	NOUN
ejif-9019	156	8	to	to	PART
ejif-9019	156	9	answer	answer	VERB
ejif-9019	156	10	this	this	PRON
ejif-9019	156	11	.	.	PUNCT
ejif-9019	157	1	the	the	DET
ejif-9019	157	2	measurement	measurement	NOUN
ejif-9019	157	3	of	of	ADP
ejif-9019	157	4	barriers	barrier	NOUN
ejif-9019	157	5	to	to	ADP
ejif-9019	157	6	financial	financial	ADJ
ejif-9019	157	7	inclusion	inclusion	NOUN
ejif-9019	157	8	is	be	AUX
ejif-9019	157	9	quite	quite	ADV
ejif-9019	157	10	helpful	helpful	ADJ
ejif-9019	157	11	in	in	ADP
ejif-9019	157	12	facilitating	facilitate	VERB
ejif-9019	157	13	the	the	DET
ejif-9019	157	14	analysis	analysis	NOUN
ejif-9019	157	15	of	of	ADP
ejif-9019	157	16	segments	segment	NOUN
ejif-9019	157	17	facing	face	VERB
ejif-9019	157	18	financial	financial	ADJ
ejif-9019	157	19	exclusion	exclusion	NOUN
ejif-9019	157	20	(	(	PUNCT
ejif-9019	157	21	atkinson	atkinson	PROPN
ejif-9019	157	22	and	and	CCONJ
ejif-9019	157	23	messy	messy	ADJ
ejif-9019	157	24	,	,	PUNCT
ejif-9019	157	25	2013	2013	NUM
ejif-9019	157	26	;	;	PUNCT
ejif-9019	157	27	demirguc	demirguc	PROPN
ejif-9019	157	28	-	-	PUNCT
ejif-9019	157	29	kunt	kunt	PROPN
ejif-9019	157	30	and	and	CCONJ
ejif-9019	157	31	klapper	klapper	NOUN
ejif-9019	157	32	,	,	PUNCT
ejif-9019	157	33	2012	2012	NUM
ejif-9019	157	34	)	)	PUNCT
ejif-9019	157	35	.	.	PUNCT
ejif-9019	158	1	regarding	regard	VERB
ejif-9019	158	2	the	the	DET
ejif-9019	158	3	supply	supply	NOUN
ejif-9019	158	4	side	side	NOUN
ejif-9019	158	5	,	,	PUNCT
ejif-9019	158	6	the	the	DET
ejif-9019	158	7	study	study	NOUN
ejif-9019	158	8	by	by	ADP
ejif-9019	158	9	camara	camara	PROPN
ejif-9019	158	10	and	and	CCONJ
ejif-9019	158	11	tuesta	tuesta	PROPN
ejif-9019	158	12	(	(	PUNCT
ejif-9019	158	13	2017	2017	NUM
ejif-9019	158	14	)	)	PUNCT
ejif-9019	158	15	collected	collect	VERB
ejif-9019	158	16	data	datum	NOUN
ejif-9019	158	17	from	from	ADP
ejif-9019	158	18	financial	financial	ADJ
ejif-9019	158	19	institutions	institution	NOUN
ejif-9019	158	20	by	by	ADP
ejif-9019	158	21	measuring	measure	VERB
ejif-9019	158	22	the	the	DET
ejif-9019	158	23	availability	availability	NOUN
ejif-9019	158	24	of	of	ADP
ejif-9019	158	25	bank	bank	NOUN
ejif-9019	158	26	branches	branch	NOUN
ejif-9019	158	27	,	,	PUNCT
ejif-9019	158	28	banking	banking	NOUN
ejif-9019	158	29	agents	agent	NOUN
ejif-9019	158	30	,	,	PUNCT
ejif-9019	158	31	and	and	CCONJ
ejif-9019	158	32	atms	atms	PROPN
ejif-9019	158	33	.	.	PUNCT
ejif-9019	159	1	klapper	klapper	NOUN
ejif-9019	159	2	and	and	CCONJ
ejif-9019	159	3	singer	singer	NOUN
ejif-9019	159	4	(	(	PUNCT
ejif-9019	159	5	2017	2017	NUM
ejif-9019	159	6	)	)	PUNCT
ejif-9019	159	7	reviewed	review	VERB
ejif-9019	159	8	supply	supply	NOUN
ejif-9019	159	9	-	-	PUNCT
ejif-9019	159	10	side	side	NOUN
ejif-9019	159	11	data	datum	NOUN
ejif-9019	159	12	by	by	ADP
ejif-9019	159	13	examining	examine	VERB
ejif-9019	159	14	the	the	DET
ejif-9019	159	15	number	number	NOUN
ejif-9019	159	16	of	of	ADP
ejif-9019	159	17	loan	loan	NOUN
ejif-9019	159	18	and	and	CCONJ
ejif-9019	159	19	deposit	deposit	NOUN
ejif-9019	159	20	accounts	account	NOUN
ejif-9019	159	21	per	per	ADP
ejif-9019	159	22	capita	capita	NOUN
ejif-9019	159	23	.	.	PUNCT
ejif-9019	160	1	tissot	tissot	NOUN
ejif-9019	160	2	and	and	CCONJ
ejif-9019	160	3	gadanecz	gadanecz	PROPN
ejif-9019	160	4	(	(	PUNCT
ejif-9019	160	5	2017	2017	NUM
ejif-9019	160	6	)	)	PUNCT
ejif-9019	160	7	assessed	assess	VERB
ejif-9019	160	8	supply	supply	NOUN
ejif-9019	160	9	-	-	PUNCT
ejif-9019	160	10	side	side	NOUN
ejif-9019	160	11	data	datum	NOUN
ejif-9019	160	12	by	by	ADP
ejif-9019	160	13	considering	consider	VERB
ejif-9019	160	14	the	the	DET
ejif-9019	160	15	variety	variety	NOUN
ejif-9019	160	16	of	of	ADP
ejif-9019	160	17	access	access	NOUN
ejif-9019	160	18	channels	channel	NOUN
ejif-9019	160	19	,	,	PUNCT
ejif-9019	160	20	the	the	DET
ejif-9019	160	21	proximity	proximity	NOUN
ejif-9019	160	22	of	of	ADP
ejif-9019	160	23	access	access	NOUN
ejif-9019	160	24	points	point	NOUN
ejif-9019	160	25	,	,	PUNCT
ejif-9019	160	26	and	and	CCONJ
ejif-9019	160	27	the	the	DET
ejif-9019	160	28	cost	cost	NOUN
ejif-9019	160	29	of	of	ADP
ejif-9019	160	30	financial	financial	ADJ
ejif-9019	160	31	services	service	NOUN
ejif-9019	160	32	.	.	PUNCT
ejif-9019	161	1	ben	ben	PROPN
ejif-9019	161	2	naceur	naceur	PROPN
ejif-9019	161	3	et	et	PROPN
ejif-9019	161	4	al	al	PROPN
ejif-9019	161	5	.	.	PROPN
ejif-9019	162	1	(	(	PUNCT
ejif-9019	162	2	2015	2015	NUM
ejif-9019	162	3	)	)	PUNCT
ejif-9019	162	4	measured	measure	VERB
ejif-9019	162	5	supply	supply	NOUN
ejif-9019	162	6	-	-	PUNCT
ejif-9019	162	7	side	side	NOUN
ejif-9019	162	8	data	datum	NOUN
ejif-9019	162	9	by	by	ADP
ejif-9019	162	10	comparing	compare	VERB
ejif-9019	162	11	the	the	DET
ejif-9019	162	12	total	total	ADJ
ejif-9019	162	13	size	size	NOUN
ejif-9019	162	14	of	of	ADP
ejif-9019	162	15	assets	asset	NOUN
ejif-9019	162	16	of	of	ADP
ejif-9019	162	17	islamic	islamic	ADJ
ejif-9019	162	18	financial	financial	ADJ
ejif-9019	162	19	institutions	institution	NOUN
ejif-9019	162	20	with	with	ADP
ejif-9019	162	21	the	the	DET
ejif-9019	162	22	total	total	ADJ
ejif-9019	162	23	size	size	NOUN
ejif-9019	162	24	of	of	ADP
ejif-9019	162	25	assets	asset	NOUN
ejif-9019	162	26	of	of	ADP
ejif-9019	162	27	the	the	DET
ejif-9019	162	28	entire	entire	ADJ
ejif-9019	162	29	banking	banking	NOUN
ejif-9019	162	30	industry	industry	NOUN
ejif-9019	162	31	.	.	PUNCT
ejif-9019	163	1	given	give	VERB
ejif-9019	163	2	the	the	DET
ejif-9019	163	3	above	above	ADJ
ejif-9019	163	4	,	,	PUNCT
ejif-9019	163	5	data	datum	NOUN
ejif-9019	163	6	from	from	ADP
ejif-9019	163	7	the	the	DET
ejif-9019	163	8	supply	supply	NOUN
ejif-9019	163	9	side	side	NOUN
ejif-9019	163	10	are	be	AUX
ejif-9019	163	11	essential	essential	ADJ
ejif-9019	163	12	because	because	SCONJ
ejif-9019	163	13	they	they	PRON
ejif-9019	163	14	help	help	VERB
ejif-9019	163	15	us	we	PRON
ejif-9019	163	16	understand	understand	VERB
ejif-9019	163	17	the	the	DET
ejif-9019	163	18	constraints	constraint	NOUN
ejif-9019	163	19	that	that	PRON
ejif-9019	163	20	result	result	VERB
ejif-9019	163	21	in	in	ADP
ejif-9019	163	22	involuntary	involuntary	ADJ
ejif-9019	163	23	exclusion	exclusion	NOUN
ejif-9019	163	24	from	from	ADP
ejif-9019	163	25	formal	formal	ADJ
ejif-9019	163	26	financial	financial	ADJ
ejif-9019	163	27	services	service	NOUN
ejif-9019	163	28	.	.	PUNCT
ejif-9019	164	1	for	for	ADP
ejif-9019	164	2	the	the	DET
ejif-9019	164	3	present	present	ADJ
ejif-9019	164	4	study	study	NOUN
ejif-9019	164	5	,	,	PUNCT
ejif-9019	164	6	data	datum	NOUN
ejif-9019	164	7	on	on	ADP
ejif-9019	164	8	ifi	ifi	PROPN
ejif-9019	164	9	were	be	AUX
ejif-9019	164	10	collected	collect	VERB
ejif-9019	164	11	from	from	ADP
ejif-9019	164	12	both	both	CCONJ
ejif-9019	164	13	the	the	DET
ejif-9019	164	14	supply	supply	NOUN
ejif-9019	164	15	and	and	CCONJ
ejif-9019	164	16	demand	demand	NOUN
ejif-9019	164	17	sides	side	NOUN
ejif-9019	164	18	.	.	PUNCT
ejif-9019	165	1	on	on	ADP
ejif-9019	165	2	the	the	DET
ejif-9019	165	3	demand	demand	NOUN
ejif-9019	165	4	side	side	NOUN
ejif-9019	165	5	,	,	PUNCT
ejif-9019	165	6	the	the	DET
ejif-9019	165	7	focus	focus	NOUN
ejif-9019	165	8	was	be	AUX
ejif-9019	165	9	on	on	ADP
ejif-9019	165	10	examining	examine	VERB
ejif-9019	165	11	access	access	NOUN
ejif-9019	165	12	,	,	PUNCT
ejif-9019	165	13	usage	usage	NOUN
ejif-9019	165	14	,	,	PUNCT
ejif-9019	165	15	and	and	CCONJ
ejif-9019	165	16	barriers	barrier	NOUN
ejif-9019	165	17	to	to	ADP
ejif-9019	165	18	ifi	ifi	PROPN
ejif-9019	165	19	.	.	PUNCT
ejif-9019	166	1	on	on	ADP
ejif-9019	166	2	the	the	DET
ejif-9019	166	3	supply	supply	NOUN
ejif-9019	166	4	side	side	NOUN
ejif-9019	166	5	,	,	PUNCT
ejif-9019	166	6	the	the	DET
ejif-9019	166	7	objective	objective	NOUN
ejif-9019	166	8	was	be	AUX
ejif-9019	166	9	to	to	PART
ejif-9019	166	10	capture	capture	VERB
ejif-9019	166	11	information	information	NOUN
ejif-9019	166	12	about	about	ADP
ejif-9019	166	13	activities	activity	NOUN
ejif-9019	166	14	undertaken	undertake	VERB
ejif-9019	166	15	to	to	PART
ejif-9019	166	16	promote	promote	VERB
ejif-9019	166	17	ifi	ifi	PROPN
ejif-9019	166	18	,	,	PUNCT
ejif-9019	166	19	access	access	NOUN
ejif-9019	166	20	channels	channel	NOUN
ejif-9019	166	21	,	,	PUNCT
ejif-9019	166	22	availability	availability	NOUN
ejif-9019	166	23	of	of	ADP
ejif-9019	166	24	islamic	islamic	ADJ
ejif-9019	166	25	financial	financial	ADJ
ejif-9019	166	26	products	product	NOUN
ejif-9019	166	27	,	,	PUNCT
ejif-9019	166	28	limitations	limitation	NOUN
ejif-9019	166	29	,	,	PUNCT
ejif-9019	166	30	and	and	CCONJ
ejif-9019	166	31	strategies	strategy	NOUN
ejif-9019	166	32	to	to	PART
ejif-9019	166	33	enhance	enhance	VERB
ejif-9019	166	34	ifi	ifi	PROPN
ejif-9019	166	35	.	.	PUNCT
ejif-9019	167	1	therefore	therefore	ADV
ejif-9019	167	2	,	,	PUNCT
ejif-9019	167	3	the	the	DET
ejif-9019	167	4	data	datum	NOUN
ejif-9019	167	5	gathered	gather	VERB
ejif-9019	167	6	from	from	ADP
ejif-9019	167	7	both	both	DET
ejif-9019	167	8	sides	side	NOUN
ejif-9019	167	9	are	be	AUX
ejif-9019	167	10	expected	expect	VERB
ejif-9019	167	11	to	to	PART
ejif-9019	167	12	yield	yield	VERB
ejif-9019	167	13	comprehensive	comprehensive	ADJ
ejif-9019	167	14	results	result	NOUN
ejif-9019	167	15	,	,	PUNCT
ejif-9019	167	16	allowing	allow	VERB
ejif-9019	167	17	for	for	ADP
ejif-9019	167	18	an	an	DET
ejif-9019	167	19	accurate	accurate	ADJ
ejif-9019	167	20	assessment	assessment	NOUN
ejif-9019	167	21	of	of	ADP
ejif-9019	167	22	the	the	DET
ejif-9019	167	23	current	current	ADJ
ejif-9019	167	24	state	state	NOUN
ejif-9019	167	25	of	of	ADP
ejif-9019	167	26	ifi	ifi	PROPN
ejif-9019	167	27	in	in	ADP
ejif-9019	167	28	the	the	DET
ejif-9019	167	29	five	five	NUM
ejif-9019	167	30	southernmost	southernmost	NOUN
ejif-9019	167	31	provinces	province	NOUN
ejif-9019	167	32	of	of	ADP
ejif-9019	167	33	thailand	thailand	PROPN
ejif-9019	167	34	.	.	PUNCT
ejif-9019	168	1	3	3	X
ejif-9019	168	2	.	.	X
ejif-9019	168	3	methodology	methodology	NOUN
ejif-9019	168	4	this	this	DET
ejif-9019	168	5	study	study	NOUN
ejif-9019	168	6	is	be	AUX
ejif-9019	168	7	classified	classify	VERB
ejif-9019	168	8	as	as	ADP
ejif-9019	168	9	mixed	mixed	ADJ
ejif-9019	168	10	-	-	PUNCT
ejif-9019	168	11	method	method	NOUN
ejif-9019	168	12	research	research	NOUN
ejif-9019	168	13	,	,	PUNCT
ejif-9019	168	14	wherein	wherein	SCONJ
ejif-9019	168	15	quantitative	quantitative	ADJ
ejif-9019	168	16	and	and	CCONJ
ejif-9019	168	17	qualitative	qualitative	ADJ
ejif-9019	168	18	methods	method	NOUN
ejif-9019	168	19	were	be	AUX
ejif-9019	168	20	employed	employ	VERB
ejif-9019	168	21	to	to	PART
ejif-9019	168	22	capture	capture	VERB
ejif-9019	168	23	the	the	DET
ejif-9019	168	24	necessary	necessary	ADJ
ejif-9019	168	25	information	information	NOUN
ejif-9019	168	26	from	from	ADP
ejif-9019	168	27	primary	primary	ADJ
ejif-9019	168	28	sources	source	NOUN
ejif-9019	168	29	.	.	PUNCT
ejif-9019	169	1	the	the	DET
ejif-9019	169	2	data	datum	NOUN
ejif-9019	169	3	for	for	ADP
ejif-9019	169	4	quantitative	quantitative	ADJ
ejif-9019	169	5	research	research	NOUN
ejif-9019	169	6	were	be	AUX
ejif-9019	169	7	gathered	gather	VERB
ejif-9019	169	8	via	via	ADP
ejif-9019	169	9	questionnaire	questionnaire	NOUN
ejif-9019	169	10	distribution	distribution	NOUN
ejif-9019	169	11	.	.	PUNCT
ejif-9019	170	1	the	the	DET
ejif-9019	170	2	research	research	NOUN
ejif-9019	170	3	area	area	NOUN
ejif-9019	170	4	chosen	choose	VERB
ejif-9019	170	5	was	be	AUX
ejif-9019	170	6	the	the	DET
ejif-9019	170	7	five	five	NUM
ejif-9019	170	8	southernmost	southernmost	NOUN
ejif-9019	170	9	provinces	province	NOUN
ejif-9019	170	10	of	of	ADP
ejif-9019	170	11	thailand	thailand	PROPN
ejif-9019	170	12	,	,	PUNCT
ejif-9019	170	13	including	include	VERB
ejif-9019	170	14	pattani	pattani	NOUN
ejif-9019	170	15	,	,	PUNCT
ejif-9019	170	16	yala	yala	PROPN
ejif-9019	170	17	,	,	PUNCT
ejif-9019	170	18	narathiwat	narathiwat	ADJ
ejif-9019	170	19	,	,	PUNCT
ejif-9019	170	20	songkhla	songkhla	ADJ
ejif-9019	170	21	,	,	PUNCT
ejif-9019	170	22	and	and	CCONJ
ejif-9019	170	23	satun	satun	NOUN
ejif-9019	170	24	,	,	PUNCT
ejif-9019	170	25	and	and	CCONJ
ejif-9019	170	26	questionnaires	questionnaire	NOUN
ejif-9019	170	27	were	be	AUX
ejif-9019	170	28	distributed	distribute	VERB
ejif-9019	170	29	to	to	ADP
ejif-9019	170	30	muslim	muslim	PROPN
ejif-9019	170	31	respondents	respondent	NOUN
ejif-9019	170	32	.	.	PUNCT
ejif-9019	171	1	a	a	DET
ejif-9019	171	2	sample	sample	NOUN
ejif-9019	171	3	size	size	NOUN
ejif-9019	171	4	of	of	ADP
ejif-9019	171	5	500	500	NUM
ejif-9019	171	6	was	be	AUX
ejif-9019	171	7	selected	select	VERB
ejif-9019	171	8	and	and	CCONJ
ejif-9019	171	9	derived	derive	VERB
ejif-9019	171	10	using	use	VERB
ejif-9019	171	11	a	a	DET
ejif-9019	171	12	convenience	convenience	NOUN
ejif-9019	171	13	sampling	sample	VERB
ejif-9019	171	14	technique	technique	NOUN
ejif-9019	171	15	.	.	PUNCT
ejif-9019	172	1	the	the	DET
ejif-9019	172	2	total	total	ADJ
ejif-9019	172	3	sample	sample	NOUN
ejif-9019	172	4	was	be	AUX
ejif-9019	172	5	divided	divide	VERB
ejif-9019	172	6	equally	equally	ADV
ejif-9019	172	7	among	among	ADP
ejif-9019	172	8	the	the	DET
ejif-9019	172	9	five	five	NUM
ejif-9019	172	10	provinces	province	NOUN
ejif-9019	172	11	,	,	PUNCT
ejif-9019	172	12	resulting	result	VERB
ejif-9019	172	13	in	in	ADP
ejif-9019	172	14	100	100	NUM
ejif-9019	172	15	respondents	respondent	NOUN
ejif-9019	172	16	from	from	ADP
ejif-9019	172	17	each	each	DET
ejif-9019	172	18	province	province	NOUN
ejif-9019	172	19	.	.	PUNCT
ejif-9019	173	1	although	although	SCONJ
ejif-9019	173	2	a	a	DET
ejif-9019	173	3	total	total	NOUN
ejif-9019	173	4	of	of	ADP
ejif-9019	173	5	500	500	NUM
ejif-9019	173	6	questionnaires	questionnaire	NOUN
ejif-9019	173	7	were	be	AUX
ejif-9019	173	8	initially	initially	ADV
ejif-9019	173	9	distributed	distribute	VERB
ejif-9019	173	10	,	,	PUNCT
ejif-9019	173	11	out	out	ADP
ejif-9019	173	12	of	of	ADP
ejif-9019	173	13	which	which	PRON
ejif-9019	173	14	437	437	NUM
ejif-9019	173	15	were	be	AUX
ejif-9019	173	16	deemed	deem	VERB
ejif-9019	173	17	usable	usable	ADJ
ejif-9019	173	18	and	and	CCONJ
ejif-9019	173	19	valid	valid	ADJ
ejif-9019	173	20	,	,	PUNCT
ejif-9019	173	21	resulting	result	VERB
ejif-9019	173	22	in	in	ADP
ejif-9019	173	23	a	a	DET
ejif-9019	173	24	response	response	NOUN
ejif-9019	173	25	rate	rate	NOUN
ejif-9019	173	26	of	of	ADP
ejif-9019	173	27	87.4	87.4	NUM
ejif-9019	173	28	percent	percent	NOUN
ejif-9019	173	29	.	.	PUNCT
ejif-9019	174	1	the	the	DET
ejif-9019	174	2	questionnaire	questionnaire	NOUN
ejif-9019	174	3	is	be	AUX
ejif-9019	174	4	divided	divide	VERB
ejif-9019	174	5	into	into	ADP
ejif-9019	174	6	three	three	NUM
ejif-9019	174	7	sections	section	NOUN
ejif-9019	174	8	.	.	PUNCT
ejif-9019	175	1	the	the	DET
ejif-9019	175	2	first	first	ADJ
ejif-9019	175	3	section	section	NOUN
ejif-9019	175	4	captures	capture	VERB
ejif-9019	175	5	the	the	DET
ejif-9019	175	6	demographic	demographic	ADJ
ejif-9019	175	7	and	and	CCONJ
ejif-9019	175	8	economic	economic	ADJ
ejif-9019	175	9	information	information	NOUN
ejif-9019	175	10	of	of	ADP
ejif-9019	175	11	the	the	DET
ejif-9019	175	12	respondents	respondent	NOUN
ejif-9019	175	13	;	;	PUNCT
ejif-9019	175	14	the	the	DET
ejif-9019	175	15	second	second	ADJ
ejif-9019	175	16	section	section	NOUN
ejif-9019	175	17	measures	measure	VERB
ejif-9019	175	18	the	the	DET
ejif-9019	175	19	level	level	NOUN
ejif-9019	175	20	of	of	ADP
ejif-9019	175	21	ifl	ifl	PROPN
ejif-9019	175	22	across	across	ADP
ejif-9019	175	23	three	three	NUM
ejif-9019	175	24	dimensions	dimension	NOUN
ejif-9019	175	25	:	:	PUNCT
ejif-9019	175	26	financial	financial	ADJ
ejif-9019	175	27	knowledge	knowledge	NOUN
ejif-9019	175	28	,	,	PUNCT
ejif-9019	175	29	attitudes	attitude	NOUN
ejif-9019	175	30	,	,	PUNCT
ejif-9019	175	31	and	and	CCONJ
ejif-9019	175	32	behaviours	behaviour	NOUN
ejif-9019	175	33	;	;	PUNCT
ejif-9019	175	34	and	and	CCONJ
ejif-9019	175	35	the	the	DET
ejif-9019	175	36	last	last	ADJ
ejif-9019	175	37	section	section	NOUN
ejif-9019	175	38	assesses	assess	VERB
ejif-9019	175	39	the	the	DET
ejif-9019	175	40	status	status	NOUN
ejif-9019	175	41	of	of	ADP
ejif-9019	175	42	ifi	ifi	PROPN
ejif-9019	175	43	from	from	ADP
ejif-9019	175	44	european	european	PROPN
ejif-9019	175	45	journal	journal	PROPN
ejif-9019	175	46	of	of	ADP
ejif-9019	175	47	islamic	islamic	PROPN
ejif-9019	175	48	finance	finance	PROPN
ejif-9019	175	49	issn	issn	PROPN
ejif-9019	175	50	:	:	PUNCT
ejif-9019	175	51	2421	2421	NUM
ejif-9019	175	52	-	-	SYM
ejif-9019	175	53	2172	2172	NUM
ejif-9019	175	54	doi	doi	NOUN
ejif-9019	175	55	:	:	PUNCT
ejif-9019	175	56	10.13135/2421	10.13135/2421	NUM
ejif-9019	175	57	-	-	SYM
ejif-9019	175	58	2172/9019	2172/9019	NUM
ejif-9019	175	59	published	publish	VERB
ejif-9019	175	60	by	by	ADP
ejif-9019	175	61	university	university	PROPN
ejif-9019	175	62	of	of	ADP
ejif-9019	175	63	turin	turin	PROPN
ejif-9019	176	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	176	2	ejif	ejif	PROPN
ejif-9019	176	3	content	content	NOUN
ejif-9019	176	4	is	be	AUX
ejif-9019	176	5	licensed	license	VERB
ejif-9019	176	6	under	under	ADP
ejif-9019	176	7	a	a	DET
ejif-9019	176	8	creative	creative	ADJ
ejif-9019	176	9	commons	common	NOUN
ejif-9019	176	10	attribution	attribution	NOUN
ejif-9019	176	11	4.0	4.0	NUM
ejif-9019	176	12	international	international	ADJ
ejif-9019	176	13	license	license	NOUN
ejif-9019	176	14	8	8	NUM
ejif-9019	176	15	three	three	NUM
ejif-9019	176	16	indicators	indicator	NOUN
ejif-9019	176	17	,	,	PUNCT
ejif-9019	176	18	namely	namely	ADV
ejif-9019	176	19	,	,	PUNCT
ejif-9019	176	20	access	access	NOUN
ejif-9019	176	21	,	,	PUNCT
ejif-9019	176	22	usage	usage	NOUN
ejif-9019	176	23	,	,	PUNCT
ejif-9019	176	24	and	and	CCONJ
ejif-9019	176	25	barriers	barrier	NOUN
ejif-9019	176	26	.	.	PUNCT
ejif-9019	177	1	the	the	DET
ejif-9019	177	2	data	datum	NOUN
ejif-9019	177	3	collected	collect	VERB
ejif-9019	177	4	were	be	AUX
ejif-9019	177	5	analysed	analyse	VERB
ejif-9019	177	6	using	use	VERB
ejif-9019	177	7	ibm	ibm	PROPN
ejif-9019	177	8	spss	spss	ADJ
ejif-9019	177	9	statistical	statistical	ADJ
ejif-9019	177	10	software	software	NOUN
ejif-9019	177	11	version	version	NOUN
ejif-9019	177	12	25	25	NUM
ejif-9019	177	13	and	and	CCONJ
ejif-9019	177	14	displayed	display	VERB
ejif-9019	177	15	using	use	VERB
ejif-9019	177	16	tables	table	NOUN
ejif-9019	177	17	and	and	CCONJ
ejif-9019	177	18	figures	figure	NOUN
ejif-9019	177	19	.	.	PUNCT
ejif-9019	178	1	in	in	ADP
ejif-9019	178	2	terms	term	NOUN
ejif-9019	178	3	of	of	ADP
ejif-9019	178	4	qualitative	qualitative	ADJ
ejif-9019	178	5	data	datum	NOUN
ejif-9019	178	6	,	,	PUNCT
ejif-9019	178	7	a	a	DET
ejif-9019	178	8	semi	semi	ADJ
ejif-9019	178	9	-	-	ADJ
ejif-9019	178	10	structured	structured	ADJ
ejif-9019	178	11	interview	interview	NOUN
ejif-9019	178	12	was	be	AUX
ejif-9019	178	13	used	use	VERB
ejif-9019	178	14	to	to	PART
ejif-9019	178	15	delve	delve	VERB
ejif-9019	178	16	deeply	deeply	ADV
ejif-9019	178	17	into	into	ADP
ejif-9019	178	18	perspectives	perspective	NOUN
ejif-9019	178	19	and	and	CCONJ
ejif-9019	178	20	explore	explore	VERB
ejif-9019	178	21	new	new	ADJ
ejif-9019	178	22	topics	topic	NOUN
ejif-9019	178	23	of	of	ADP
ejif-9019	178	24	interest	interest	NOUN
ejif-9019	178	25	.	.	PUNCT
ejif-9019	179	1	the	the	DET
ejif-9019	179	2	interview	interview	NOUN
ejif-9019	179	3	sample	sample	NOUN
ejif-9019	179	4	was	be	AUX
ejif-9019	179	5	selected	select	VERB
ejif-9019	179	6	using	use	VERB
ejif-9019	179	7	a	a	DET
ejif-9019	179	8	purposive	purposive	ADJ
ejif-9019	179	9	sampling	sampling	NOUN
ejif-9019	179	10	technique	technique	NOUN
ejif-9019	179	11	involving	involve	VERB
ejif-9019	179	12	thirteen	thirteen	NUM
ejif-9019	179	13	representatives	representative	NOUN
ejif-9019	179	14	from	from	ADP
ejif-9019	179	15	islamic	islamic	ADJ
ejif-9019	179	16	financial	financial	ADJ
ejif-9019	179	17	-	-	PUNCT
ejif-9019	179	18	related	relate	VERB
ejif-9019	179	19	organisations	organisation	NOUN
ejif-9019	179	20	in	in	ADP
ejif-9019	179	21	the	the	DET
ejif-9019	179	22	five	five	NUM
ejif-9019	179	23	southernmost	southernmost	NOUN
ejif-9019	179	24	provinces	province	NOUN
ejif-9019	179	25	of	of	ADP
ejif-9019	179	26	thailand	thailand	PROPN
ejif-9019	179	27	.	.	PUNCT
ejif-9019	180	1	they	they	PRON
ejif-9019	180	2	included	include	VERB
ejif-9019	180	3	four	four	NUM
ejif-9019	180	4	informants	informant	NOUN
ejif-9019	180	5	from	from	ADP
ejif-9019	180	6	islamic	islamic	ADJ
ejif-9019	180	7	banks	bank	NOUN
ejif-9019	180	8	.	.	PUNCT
ejif-9019	181	1	these	these	DET
ejif-9019	181	2	informants	informant	NOUN
ejif-9019	181	3	were	be	AUX
ejif-9019	181	4	chosen	choose	VERB
ejif-9019	181	5	from	from	ADP
ejif-9019	181	6	the	the	DET
ejif-9019	181	7	provincial	provincial	ADJ
ejif-9019	181	8	and	and	CCONJ
ejif-9019	181	9	regional	regional	ADJ
ejif-9019	181	10	branches	branch	NOUN
ejif-9019	181	11	,	,	PUNCT
ejif-9019	181	12	the	the	DET
ejif-9019	181	13	socio	socio	NOUN
ejif-9019	181	14	-	-	PUNCT
ejif-9019	181	15	economic	economic	ADJ
ejif-9019	181	16	development	development	NOUN
ejif-9019	181	17	department	department	PROPN
ejif-9019	181	18	for	for	ADP
ejif-9019	181	19	the	the	DET
ejif-9019	181	20	five	five	NUM
ejif-9019	181	21	southern	southern	ADJ
ejif-9019	181	22	provinces	province	NOUN
ejif-9019	181	23	of	of	ADP
ejif-9019	181	24	the	the	DET
ejif-9019	181	25	islamic	islamic	PROPN
ejif-9019	181	26	bank	bank	PROPN
ejif-9019	181	27	of	of	ADP
ejif-9019	181	28	thailand	thailand	PROPN
ejif-9019	181	29	(	(	PUNCT
ejif-9019	181	30	ibank	ibank	PROPN
ejif-9019	181	31	)	)	PUNCT
ejif-9019	181	32	,	,	PUNCT
ejif-9019	181	33	and	and	CCONJ
ejif-9019	181	34	the	the	DET
ejif-9019	181	35	bank	bank	NOUN
ejif-9019	181	36	for	for	ADP
ejif-9019	181	37	agriculture	agriculture	NOUN
ejif-9019	181	38	and	and	CCONJ
ejif-9019	181	39	agricultural	agricultural	ADJ
ejif-9019	181	40	cooperatives	cooperative	NOUN
ejif-9019	181	41	(	(	PUNCT
ejif-9019	181	42	baac	baac	NOUN
ejif-9019	181	43	)	)	PUNCT
ejif-9019	181	44	islamic	islamic	PROPN
ejif-9019	181	45	banking	banking	PROPN
ejif-9019	181	46	fund	fund	NOUN
ejif-9019	181	47	.	.	PUNCT
ejif-9019	182	1	three	three	NUM
ejif-9019	182	2	informants	informant	NOUN
ejif-9019	182	3	were	be	AUX
ejif-9019	182	4	from	from	ADP
ejif-9019	182	5	islamic	islamic	ADJ
ejif-9019	182	6	cooperatives	cooperative	NOUN
ejif-9019	182	7	,	,	PUNCT
ejif-9019	182	8	namely	namely	ADV
ejif-9019	182	9	the	the	DET
ejif-9019	182	10	ibnu	ibnu	ADJ
ejif-9019	182	11	affan	affan	ADJ
ejif-9019	182	12	islamic	islamic	PROPN
ejif-9019	182	13	cooperative	cooperative	NOUN
ejif-9019	182	14	,	,	PUNCT
ejif-9019	182	15	which	which	PRON
ejif-9019	182	16	is	be	AUX
ejif-9019	182	17	the	the	DET
ejif-9019	182	18	most	most	ADV
ejif-9019	182	19	popular	popular	ADJ
ejif-9019	182	20	in	in	ADP
ejif-9019	182	21	pattani	pattani	NOUN
ejif-9019	182	22	,	,	PUNCT
ejif-9019	182	23	yala	yala	PROPN
ejif-9019	182	24	,	,	PUNCT
ejif-9019	182	25	and	and	CCONJ
ejif-9019	182	26	narathiwat	narathiwat	ADJ
ejif-9019	182	27	provinces	province	NOUN
ejif-9019	182	28	;	;	PUNCT
ejif-9019	182	29	the	the	DET
ejif-9019	182	30	assiddeek	assiddeek	NOUN
ejif-9019	182	31	islamic	islamic	PROPN
ejif-9019	182	32	cooperative	cooperative	NOUN
ejif-9019	182	33	,	,	PUNCT
ejif-9019	182	34	the	the	DET
ejif-9019	182	35	most	most	ADV
ejif-9019	182	36	popular	popular	ADJ
ejif-9019	182	37	in	in	ADP
ejif-9019	182	38	songkhla	songkhla	ADJ
ejif-9019	182	39	province	province	NOUN
ejif-9019	182	40	;	;	PUNCT
ejif-9019	182	41	and	and	CCONJ
ejif-9019	182	42	the	the	DET
ejif-9019	182	43	ibnu	ibnu	ADJ
ejif-9019	182	44	auf	auf	PROPN
ejif-9019	182	45	islamic	islamic	PROPN
ejif-9019	182	46	cooperative	cooperative	PROPN
ejif-9019	182	47	,	,	PUNCT
ejif-9019	182	48	the	the	DET
ejif-9019	182	49	most	most	ADV
ejif-9019	182	50	popular	popular	ADJ
ejif-9019	182	51	in	in	ADP
ejif-9019	182	52	satun	satun	PROPN
ejif-9019	182	53	province	province	PROPN
ejif-9019	182	54	.	.	PUNCT
ejif-9019	183	1	three	three	NUM
ejif-9019	183	2	informants	informant	NOUN
ejif-9019	183	3	were	be	AUX
ejif-9019	183	4	from	from	ADP
ejif-9019	183	5	non	non	ADJ
ejif-9019	183	6	-	-	ADJ
ejif-9019	183	7	bank	bank	ADJ
ejif-9019	183	8	islamic	islamic	ADJ
ejif-9019	183	9	financial	financial	ADJ
ejif-9019	183	10	institutions	institution	NOUN
ejif-9019	183	11	,	,	PUNCT
ejif-9019	183	12	specifically	specifically	ADV
ejif-9019	183	13	a	a	DET
ejif-9019	183	14	takaful	takaful	ADJ
ejif-9019	183	15	operator	operator	NOUN
ejif-9019	183	16	,	,	PUNCT
ejif-9019	183	17	an	an	DET
ejif-9019	183	18	islamic	islamic	ADJ
ejif-9019	183	19	leasing	leasing	NOUN
ejif-9019	183	20	company	company	NOUN
ejif-9019	183	21	,	,	PUNCT
ejif-9019	183	22	and	and	CCONJ
ejif-9019	183	23	an	an	DET
ejif-9019	183	24	islamic	islamic	ADJ
ejif-9019	183	25	investment	investment	NOUN
ejif-9019	183	26	company	company	NOUN
ejif-9019	183	27	.	.	PUNCT
ejif-9019	184	1	one	one	NUM
ejif-9019	184	2	informant	informant	NOUN
ejif-9019	184	3	was	be	AUX
ejif-9019	184	4	from	from	ADP
ejif-9019	184	5	the	the	DET
ejif-9019	184	6	islamic	islamic	PROPN
ejif-9019	184	7	provincial	provincial	PROPN
ejif-9019	184	8	council	council	NOUN
ejif-9019	184	9	,	,	PUNCT
ejif-9019	184	10	and	and	CCONJ
ejif-9019	184	11	two	two	NUM
ejif-9019	184	12	informants	informant	NOUN
ejif-9019	184	13	were	be	AUX
ejif-9019	184	14	from	from	ADP
ejif-9019	184	15	universities	university	NOUN
ejif-9019	184	16	offering	offer	VERB
ejif-9019	184	17	islamic	islamic	ADJ
ejif-9019	184	18	finance	finance	NOUN
ejif-9019	184	19	studies	study	NOUN
ejif-9019	184	20	,	,	PUNCT
ejif-9019	184	21	namely	namely	ADV
ejif-9019	184	22	the	the	DET
ejif-9019	184	23	college	college	NOUN
ejif-9019	184	24	of	of	ADP
ejif-9019	184	25	islamic	islamic	PROPN
ejif-9019	184	26	studies	study	NOUN
ejif-9019	184	27	at	at	ADP
ejif-9019	184	28	prince	prince	NOUN
ejif-9019	184	29	of	of	ADP
ejif-9019	184	30	songkhla	songkhla	PROPN
ejif-9019	184	31	university	university	PROPN
ejif-9019	184	32	(	(	PUNCT
ejif-9019	184	33	psu	psu	PROPN
ejif-9019	184	34	)	)	PUNCT
ejif-9019	184	35	and	and	CCONJ
ejif-9019	184	36	fatoni	fatoni	PROPN
ejif-9019	184	37	university	university	PROPN
ejif-9019	184	38	(	(	PUNCT
ejif-9019	184	39	ftu	ftu	PROPN
ejif-9019	184	40	)	)	PUNCT
ejif-9019	184	41	.	.	PUNCT
ejif-9019	185	1	accordingly	accordingly	ADV
ejif-9019	185	2	,	,	PUNCT
ejif-9019	185	3	the	the	DET
ejif-9019	185	4	sample	sample	NOUN
ejif-9019	185	5	was	be	AUX
ejif-9019	185	6	chosen	choose	VERB
ejif-9019	185	7	to	to	PART
ejif-9019	185	8	be	be	AUX
ejif-9019	185	9	heterogeneous	heterogeneous	ADJ
ejif-9019	185	10	to	to	PART
ejif-9019	185	11	obtain	obtain	VERB
ejif-9019	185	12	a	a	DET
ejif-9019	185	13	comprehensive	comprehensive	ADJ
ejif-9019	185	14	range	range	NOUN
ejif-9019	185	15	of	of	ADP
ejif-9019	185	16	opinions	opinion	NOUN
ejif-9019	185	17	.	.	PUNCT
ejif-9019	186	1	five	five	NUM
ejif-9019	186	2	key	key	ADJ
ejif-9019	186	3	interview	interview	NOUN
ejif-9019	186	4	questions	question	NOUN
ejif-9019	186	5	were	be	AUX
ejif-9019	186	6	formulated	formulate	VERB
ejif-9019	186	7	to	to	PART
ejif-9019	186	8	gather	gather	VERB
ejif-9019	186	9	information	information	NOUN
ejif-9019	186	10	about	about	ADP
ejif-9019	186	11	the	the	DET
ejif-9019	186	12	role	role	NOUN
ejif-9019	186	13	of	of	ADP
ejif-9019	186	14	related	related	ADJ
ejif-9019	186	15	parties	party	NOUN
ejif-9019	186	16	in	in	ADP
ejif-9019	186	17	enhancing	enhance	VERB
ejif-9019	186	18	the	the	DET
ejif-9019	186	19	level	level	NOUN
ejif-9019	186	20	of	of	ADP
ejif-9019	186	21	ifl	ifl	PROPN
ejif-9019	186	22	and	and	CCONJ
ejif-9019	186	23	ifi	ifi	PROPN
ejif-9019	186	24	,	,	PUNCT
ejif-9019	186	25	limitations	limitation	NOUN
ejif-9019	186	26	of	of	ADP
ejif-9019	186	27	ifl	ifl	PROPN
ejif-9019	186	28	and	and	CCONJ
ejif-9019	186	29	ifi	ifi	NOUN
ejif-9019	186	30	,	,	PUNCT
ejif-9019	186	31	and	and	CCONJ
ejif-9019	186	32	strategies	strategy	NOUN
ejif-9019	186	33	for	for	ADP
ejif-9019	186	34	increasing	increase	VERB
ejif-9019	186	35	the	the	DET
ejif-9019	186	36	levels	level	NOUN
ejif-9019	186	37	of	of	ADP
ejif-9019	186	38	ifl	ifl	PROPN
ejif-9019	186	39	and	and	CCONJ
ejif-9019	186	40	ifi	ifi	PROPN
ejif-9019	186	41	in	in	ADP
ejif-9019	186	42	the	the	DET
ejif-9019	186	43	region	region	NOUN
ejif-9019	186	44	.	.	PUNCT
ejif-9019	187	1	for	for	ADP
ejif-9019	187	2	data	data	NOUN
ejif-9019	187	3	analysis	analysis	NOUN
ejif-9019	187	4	,	,	PUNCT
ejif-9019	187	5	thematic	thematic	ADJ
ejif-9019	187	6	analysis	analysis	NOUN
ejif-9019	187	7	was	be	AUX
ejif-9019	187	8	employed	employ	VERB
ejif-9019	187	9	to	to	PART
ejif-9019	187	10	categorise	categorise	VERB
ejif-9019	187	11	emergent	emergent	ADJ
ejif-9019	187	12	and	and	CCONJ
ejif-9019	187	13	essential	essential	ADJ
ejif-9019	187	14	themes	theme	NOUN
ejif-9019	187	15	,	,	PUNCT
ejif-9019	187	16	which	which	PRON
ejif-9019	187	17	were	be	AUX
ejif-9019	187	18	then	then	ADV
ejif-9019	187	19	used	use	VERB
ejif-9019	187	20	to	to	PART
ejif-9019	187	21	address	address	VERB
ejif-9019	187	22	the	the	DET
ejif-9019	187	23	study	study	NOUN
ejif-9019	187	24	's	's	PART
ejif-9019	187	25	objectives	objective	NOUN
ejif-9019	187	26	.	.	PUNCT
ejif-9019	188	1	4	4	X
ejif-9019	188	2	.	.	NOUN
ejif-9019	188	3	results	result	VERB
ejif-9019	188	4	4.1	4.1	NUM
ejif-9019	188	5	examining	examine	VERB
ejif-9019	188	6	islamic	islamic	ADJ
ejif-9019	188	7	financial	financial	ADJ
ejif-9019	188	8	literacy	literacy	NOUN
ejif-9019	188	9	and	and	CCONJ
ejif-9019	188	10	islamic	islamic	ADJ
ejif-9019	188	11	financial	financial	ADJ
ejif-9019	188	12	inclusion	inclusion	NOUN
ejif-9019	188	13	of	of	ADP
ejif-9019	188	14	the	the	DET
ejif-9019	188	15	thai	thai	ADJ
ejif-9019	188	16	muslims	muslims	PROPN
ejif-9019	188	17	in	in	ADP
ejif-9019	188	18	the	the	DET
ejif-9019	188	19	five	five	NUM
ejif-9019	188	20	southernmost	southernmost	NOUN
ejif-9019	188	21	provinces	province	NOUN
ejif-9019	188	22	of	of	ADP
ejif-9019	188	23	thailand	thailand	PROPN
ejif-9019	188	24	this	this	DET
ejif-9019	188	25	section	section	NOUN
ejif-9019	188	26	critically	critically	ADV
ejif-9019	188	27	analyses	analyse	VERB
ejif-9019	188	28	the	the	DET
ejif-9019	188	29	results	result	NOUN
ejif-9019	188	30	of	of	ADP
ejif-9019	188	31	questionnaire	questionnaire	NOUN
ejif-9019	188	32	responses	response	NOUN
ejif-9019	188	33	using	use	VERB
ejif-9019	188	34	statistical	statistical	ADJ
ejif-9019	188	35	techniques	technique	NOUN
ejif-9019	188	36	to	to	PART
ejif-9019	188	37	examine	examine	VERB
ejif-9019	188	38	the	the	DET
ejif-9019	188	39	status	status	NOUN
ejif-9019	188	40	of	of	ADP
ejif-9019	188	41	ifl	ifl	PROPN
ejif-9019	188	42	and	and	CCONJ
ejif-9019	188	43	ifi	ifi	PROPN
ejif-9019	188	44	among	among	ADP
ejif-9019	188	45	thai	thai	PROPN
ejif-9019	188	46	muslims	muslims	PROPN
ejif-9019	188	47	residing	reside	VERB
ejif-9019	188	48	in	in	ADP
ejif-9019	188	49	the	the	DET
ejif-9019	188	50	five	five	NUM
ejif-9019	188	51	southernmost	southernmost	NOUN
ejif-9019	188	52	provinces	province	NOUN
ejif-9019	188	53	of	of	ADP
ejif-9019	188	54	thailand	thailand	PROPN
ejif-9019	188	55	.	.	PUNCT
ejif-9019	189	1	the	the	DET
ejif-9019	189	2	quantitative	quantitative	ADJ
ejif-9019	189	3	data	datum	NOUN
ejif-9019	189	4	received	receive	VERB
ejif-9019	189	5	from	from	ADP
ejif-9019	189	6	437	437	NUM
ejif-9019	189	7	respondents	respondent	NOUN
ejif-9019	189	8	has	have	AUX
ejif-9019	189	9	been	be	AUX
ejif-9019	189	10	analysed	analyse	VERB
ejif-9019	189	11	in	in	ADP
ejif-9019	189	12	this	this	DET
ejif-9019	189	13	section	section	NOUN
ejif-9019	189	14	.	.	PUNCT
ejif-9019	190	1	table	table	NOUN
ejif-9019	190	2	1	1	NUM
ejif-9019	190	3	presents	present	VERB
ejif-9019	190	4	a	a	DET
ejif-9019	190	5	descriptive	descriptive	ADJ
ejif-9019	190	6	analysis	analysis	NOUN
ejif-9019	190	7	of	of	ADP
ejif-9019	190	8	the	the	DET
ejif-9019	190	9	demographic	demographic	ADJ
ejif-9019	190	10	variables	variable	NOUN
ejif-9019	190	11	of	of	ADP
ejif-9019	190	12	the	the	DET
ejif-9019	190	13	respondents	respondent	NOUN
ejif-9019	190	14	.	.	PUNCT
ejif-9019	191	1	the	the	DET
ejif-9019	191	2	study	study	NOUN
ejif-9019	191	3	focuses	focus	VERB
ejif-9019	191	4	on	on	ADP
ejif-9019	191	5	the	the	DET
ejif-9019	191	6	dimensions	dimension	NOUN
ejif-9019	191	7	of	of	ADP
ejif-9019	191	8	gender	gender	NOUN
ejif-9019	191	9	,	,	PUNCT
ejif-9019	191	10	age	age	NOUN
ejif-9019	191	11	,	,	PUNCT
ejif-9019	191	12	level	level	NOUN
ejif-9019	191	13	of	of	ADP
ejif-9019	191	14	education	education	NOUN
ejif-9019	191	15	,	,	PUNCT
ejif-9019	191	16	and	and	CCONJ
ejif-9019	191	17	monthly	monthly	ADJ
ejif-9019	191	18	income	income	NOUN
ejif-9019	191	19	.	.	PUNCT
ejif-9019	192	1	according	accord	VERB
ejif-9019	192	2	to	to	ADP
ejif-9019	192	3	the	the	DET
ejif-9019	192	4	table	table	NOUN
ejif-9019	192	5	,	,	PUNCT
ejif-9019	192	6	most	most	ADJ
ejif-9019	192	7	respondents	respondent	NOUN
ejif-9019	192	8	were	be	AUX
ejif-9019	192	9	female	female	ADJ
ejif-9019	192	10	,	,	PUNCT
ejif-9019	192	11	representing	represent	VERB
ejif-9019	192	12	62.5	62.5	NUM
ejif-9019	192	13	%	%	NOUN
ejif-9019	192	14	,	,	PUNCT
ejif-9019	192	15	while	while	SCONJ
ejif-9019	192	16	37.5	37.5	NUM
ejif-9019	192	17	%	%	NOUN
ejif-9019	192	18	were	be	AUX
ejif-9019	192	19	male	male	ADJ
ejif-9019	192	20	.	.	PUNCT
ejif-9019	193	1	most	most	ADJ
ejif-9019	193	2	respondents	respondent	NOUN
ejif-9019	193	3	(	(	PUNCT
ejif-9019	193	4	77.3	77.3	NUM
ejif-9019	193	5	%	%	NOUN
ejif-9019	193	6	)	)	PUNCT
ejif-9019	193	7	were	be	AUX
ejif-9019	193	8	between	between	ADP
ejif-9019	193	9	20	20	NUM
ejif-9019	193	10	and	and	CCONJ
ejif-9019	193	11	49	49	NUM
ejif-9019	193	12	years	year	NOUN
ejif-9019	193	13	old	old	ADJ
ejif-9019	193	14	,	,	PUNCT
ejif-9019	193	15	and	and	CCONJ
ejif-9019	193	16	the	the	DET
ejif-9019	193	17	rest	rest	NOUN
ejif-9019	193	18	(	(	PUNCT
ejif-9019	193	19	22.7	22.7	NUM
ejif-9019	193	20	%	%	NOUN
ejif-9019	193	21	)	)	PUNCT
ejif-9019	193	22	belonged	belong	VERB
ejif-9019	193	23	to	to	ADP
ejif-9019	193	24	the	the	DET
ejif-9019	193	25	18	18	NUM
ejif-9019	193	26	-	-	SYM
ejif-9019	193	27	19	19	NUM
ejif-9019	193	28	and	and	CCONJ
ejif-9019	193	29	60	60	NUM
ejif-9019	193	30	-	-	SYM
ejif-9019	193	31	79	79	NUM
ejif-9019	193	32	age	age	NOUN
ejif-9019	193	33	brackets	bracket	NOUN
ejif-9019	193	34	.	.	PUNCT
ejif-9019	194	1	then	then	ADV
ejif-9019	194	2	,	,	PUNCT
ejif-9019	194	3	the	the	DET
ejif-9019	194	4	data	datum	NOUN
ejif-9019	194	5	indicates	indicate	VERB
ejif-9019	194	6	that	that	SCONJ
ejif-9019	194	7	43.2	43.2	NUM
ejif-9019	194	8	%	%	NOUN
ejif-9019	194	9	of	of	ADP
ejif-9019	194	10	the	the	DET
ejif-9019	194	11	respondents	respondent	NOUN
ejif-9019	194	12	had	have	AUX
ejif-9019	194	13	obtained	obtain	VERB
ejif-9019	194	14	a	a	DET
ejif-9019	194	15	degree	degree	NOUN
ejif-9019	194	16	from	from	ADP
ejif-9019	194	17	a	a	DET
ejif-9019	194	18	university	university	NOUN
ejif-9019	194	19	,	,	PUNCT
ejif-9019	194	20	40.3	40.3	NUM
ejif-9019	194	21	%	%	NOUN
ejif-9019	194	22	had	have	AUX
ejif-9019	194	23	attained	attain	VERB
ejif-9019	194	24	a	a	DET
ejif-9019	194	25	secondary	secondary	ADJ
ejif-9019	194	26	school	school	NOUN
ejif-9019	194	27	and	and	CCONJ
ejif-9019	194	28	vocational	vocational	ADJ
ejif-9019	194	29	certificate	certificate	NOUN
ejif-9019	194	30	,	,	PUNCT
ejif-9019	194	31	and	and	CCONJ
ejif-9019	194	32	16.5	16.5	NUM
ejif-9019	194	33	%	%	NOUN
ejif-9019	194	34	were	be	AUX
ejif-9019	194	35	primary	primary	ADJ
ejif-9019	194	36	school	school	NOUN
ejif-9019	194	37	graduates	graduate	NOUN
ejif-9019	194	38	with	with	ADP
ejif-9019	194	39	no	no	DET
ejif-9019	194	40	formal	formal	ADJ
ejif-9019	194	41	education	education	NOUN
ejif-9019	194	42	.	.	PUNCT
ejif-9019	195	1	regarding	regard	VERB
ejif-9019	195	2	monthly	monthly	ADJ
ejif-9019	195	3	income	income	NOUN
ejif-9019	195	4	,	,	PUNCT
ejif-9019	195	5	more	more	ADJ
ejif-9019	195	6	than	than	ADP
ejif-9019	195	7	half	half	NOUN
ejif-9019	195	8	of	of	ADP
ejif-9019	195	9	the	the	DET
ejif-9019	195	10	respondents	respondent	NOUN
ejif-9019	195	11	(	(	PUNCT
ejif-9019	195	12	51.7	51.7	NUM
ejif-9019	195	13	%	%	NOUN
ejif-9019	195	14	)	)	PUNCT
ejif-9019	195	15	earned	earn	VERB
ejif-9019	195	16	equal	equal	ADJ
ejif-9019	195	17	to	to	ADP
ejif-9019	195	18	or	or	CCONJ
ejif-9019	195	19	less	less	ADJ
ejif-9019	195	20	than	than	ADP
ejif-9019	195	21	thb	thb	PROPN
ejif-9019	195	22	10,000	10,000	NUM
ejif-9019	195	23	per	per	ADP
ejif-9019	195	24	month	month	NOUN
ejif-9019	195	25	,	,	PUNCT
ejif-9019	195	26	while	while	SCONJ
ejif-9019	195	27	only	only	ADV
ejif-9019	195	28	3.0	3.0	NUM
ejif-9019	195	29	%	%	NOUN
ejif-9019	195	30	earned	earn	VERB
ejif-9019	195	31	more	more	ADJ
ejif-9019	195	32	than	than	ADP
ejif-9019	195	33	thb	thb	PROPN
ejif-9019	195	34	30,000	30,000	NUM
ejif-9019	195	35	,	,	PUNCT
ejif-9019	195	36	with	with	ADP
ejif-9019	195	37	the	the	DET
ejif-9019	195	38	remaining	remain	VERB
ejif-9019	195	39	respondents	respondent	NOUN
ejif-9019	195	40	earning	earn	VERB
ejif-9019	195	41	between	between	ADP
ejif-9019	195	42	thb	thb	PROPN
ejif-9019	195	43	10,000	10,000	NUM
ejif-9019	195	44	and	and	CCONJ
ejif-9019	195	45	thb	thb	PROPN
ejif-9019	195	46	30,000	30,000	NUM
ejif-9019	195	47	.	.	PUNCT
ejif-9019	196	1	european	european	PROPN
ejif-9019	196	2	journal	journal	PROPN
ejif-9019	196	3	of	of	ADP
ejif-9019	196	4	islamic	islamic	PROPN
ejif-9019	196	5	finance	finance	PROPN
ejif-9019	196	6	issn	issn	PROPN
ejif-9019	196	7	:	:	PUNCT
ejif-9019	196	8	2421	2421	NUM
ejif-9019	196	9	-	-	SYM
ejif-9019	196	10	2172	2172	NUM
ejif-9019	196	11	doi	doi	NOUN
ejif-9019	196	12	:	:	PUNCT
ejif-9019	196	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	196	14	-	-	SYM
ejif-9019	196	15	2172/9019	2172/9019	NUM
ejif-9019	196	16	published	publish	VERB
ejif-9019	196	17	by	by	ADP
ejif-9019	196	18	university	university	PROPN
ejif-9019	196	19	of	of	ADP
ejif-9019	196	20	turin	turin	PROPN
ejif-9019	197	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	197	2	ejif	ejif	PROPN
ejif-9019	197	3	content	content	NOUN
ejif-9019	197	4	is	be	AUX
ejif-9019	197	5	licensed	license	VERB
ejif-9019	197	6	under	under	ADP
ejif-9019	197	7	a	a	DET
ejif-9019	197	8	creative	creative	ADJ
ejif-9019	197	9	commons	common	NOUN
ejif-9019	197	10	attribution	attribution	NOUN
ejif-9019	197	11	4.0	4.0	NUM
ejif-9019	197	12	international	international	ADJ
ejif-9019	197	13	license	license	NOUN
ejif-9019	197	14	9	9	NUM
ejif-9019	197	15	table	table	NOUN
ejif-9019	197	16	1	1	NUM
ejif-9019	197	17	.	.	PUNCT
ejif-9019	197	18	demographic	demographic	ADJ
ejif-9019	197	19	profile	profile	NOUN
ejif-9019	197	20	of	of	ADP
ejif-9019	197	21	respondents	respondent	NOUN
ejif-9019	197	22	variable	variable	ADJ
ejif-9019	197	23	frequency	frequency	NOUN
ejif-9019	197	24	percentage	percentage	NOUN
ejif-9019	197	25	gender	gender	NOUN
ejif-9019	197	26	male	male	NOUN
ejif-9019	197	27	164	164	NUM
ejif-9019	197	28	37.5	37.5	NUM
ejif-9019	197	29	female	female	NOUN
ejif-9019	197	30	273	273	NUM
ejif-9019	197	31	62.5	62.5	NUM
ejif-9019	197	32	age	age	NOUN
ejif-9019	197	33	18	18	NUM
ejif-9019	197	34	-	-	SYM
ejif-9019	197	35	19	19	NUM
ejif-9019	197	36	years	year	NOUN
ejif-9019	197	37	20	20	NUM
ejif-9019	197	38	4.6	4.6	NUM
ejif-9019	197	39	20	20	NUM
ejif-9019	197	40	-	-	SYM
ejif-9019	197	41	29	29	NUM
ejif-9019	197	42	years	year	NOUN
ejif-9019	197	43	107	107	NUM
ejif-9019	197	44	24.5	24.5	NUM
ejif-9019	197	45	30	30	NUM
ejif-9019	197	46	-	-	SYM
ejif-9019	197	47	39	39	NUM
ejif-9019	197	48	years	year	NOUN
ejif-9019	197	49	116	116	NUM
ejif-9019	197	50	26.5	26.5	NUM
ejif-9019	197	51	40	40	NUM
ejif-9019	197	52	-	-	SYM
ejif-9019	197	53	49	49	NUM
ejif-9019	197	54	years	year	NOUN
ejif-9019	197	55	115	115	NUM
ejif-9019	197	56	26.3	26.3	NUM
ejif-9019	197	57	50	50	NUM
ejif-9019	197	58	-	-	SYM
ejif-9019	197	59	59	59	NUM
ejif-9019	197	60	years	year	NOUN
ejif-9019	197	61	52	52	NUM
ejif-9019	197	62	11.9	11.9	NUM
ejif-9019	197	63	60	60	NUM
ejif-9019	197	64	-	-	SYM
ejif-9019	197	65	69	69	NUM
ejif-9019	197	66	years	year	NOUN
ejif-9019	197	67	20	20	NUM
ejif-9019	197	68	4.6	4.6	NUM
ejif-9019	197	69	70	70	NUM
ejif-9019	197	70	-	-	SYM
ejif-9019	197	71	79	79	NUM
ejif-9019	197	72	years	year	NOUN
ejif-9019	197	73	7	7	NUM
ejif-9019	197	74	1.6	1.6	NUM
ejif-9019	197	75	level	level	NOUN
ejif-9019	197	76	of	of	ADP
ejif-9019	197	77	education	education	NOUN
ejif-9019	197	78	university	university	NOUN
ejif-9019	197	79	’s	’s	PART
ejif-9019	197	80	degree	degree	NOUN
ejif-9019	197	81	189	189	NUM
ejif-9019	197	82	43.2	43.2	NUM
ejif-9019	197	83	secondary	secondary	ADJ
ejif-9019	197	84	school	school	NOUN
ejif-9019	197	85	111	111	NUM
ejif-9019	197	86	25.4	25.4	NUM
ejif-9019	197	87	vocational	vocational	ADJ
ejif-9019	197	88	certificate	certificate	NOUN
ejif-9019	197	89	65	65	NUM
ejif-9019	197	90	14.9	14.9	NUM
ejif-9019	197	91	primary	primary	ADJ
ejif-9019	197	92	school	school	NOUN
ejif-9019	197	93	60	60	NUM
ejif-9019	197	94	13.7	13.7	NUM
ejif-9019	197	95	no	no	DET
ejif-9019	197	96	formal	formal	ADJ
ejif-9019	197	97	education	education	NOUN
ejif-9019	197	98	12	12	NUM
ejif-9019	197	99	2.8	2.8	NUM
ejif-9019	197	100	monthly	monthly	ADJ
ejif-9019	197	101	income	income	NOUN
ejif-9019	197	102	thb	thb	PROPN
ejif-9019	197	103	10,000	10,000	NUM
ejif-9019	197	104	and	and	CCONJ
ejif-9019	197	105	below	below	ADP
ejif-9019	197	106	226	226	NUM
ejif-9019	197	107	51.7	51.7	NUM
ejif-9019	197	108	thb	thb	NUM
ejif-9019	197	109	10,001	10,001	NUM
ejif-9019	197	110	-	-	PUNCT
ejif-9019	197	111	thb	thb	NUM
ejif-9019	197	112	15,000	15,000	NUM
ejif-9019	197	113	90	90	NUM
ejif-9019	197	114	20.6	20.6	NUM
ejif-9019	197	115	thb	thb	NUM
ejif-9019	197	116	15,001	15,001	NUM
ejif-9019	197	117	-	-	PUNCT
ejif-9019	197	118	thb	thb	NOUN
ejif-9019	197	119	20,000	20,000	NUM
ejif-9019	197	120	26	26	NUM
ejif-9019	197	121	5.9	5.9	NUM
ejif-9019	197	122	thb	thb	NUM
ejif-9019	197	123	20,001	20,001	NUM
ejif-9019	197	124	-	-	SYM
ejif-9019	197	125	thb	thb	NUM
ejif-9019	197	126	25,000	25,000	NUM
ejif-9019	197	127	55	55	NUM
ejif-9019	197	128	12.6	12.6	NUM
ejif-9019	197	129	thb	thb	NUM
ejif-9019	197	130	25,001	25,001	NUM
ejif-9019	197	131	-	-	PUNCT
ejif-9019	197	132	thb	thb	PROPN
ejif-9019	197	133	30,000	30,000	NUM
ejif-9019	197	134	27	27	NUM
ejif-9019	197	135	6.2	6.2	NUM
ejif-9019	197	136	more	more	ADJ
ejif-9019	197	137	than	than	ADP
ejif-9019	197	138	thb	thb	PROPN
ejif-9019	197	139	30,000	30,000	NUM
ejif-9019	197	140	13	13	NUM
ejif-9019	197	141	3.0	3.0	NUM
ejif-9019	197	142	source	source	NOUN
ejif-9019	197	143	:	:	PUNCT
ejif-9019	197	144	authors	author	NOUN
ejif-9019	197	145	’	'	PUNCT
ejif-9019	197	146	elaboration	elaboration	NOUN
ejif-9019	197	147	based	base	VERB
ejif-9019	197	148	on	on	ADP
ejif-9019	197	149	table	table	NOUN
ejif-9019	197	150	2	2	NUM
ejif-9019	197	151	,	,	PUNCT
ejif-9019	197	152	it	it	PRON
ejif-9019	197	153	was	be	AUX
ejif-9019	197	154	found	find	VERB
ejif-9019	197	155	that	that	SCONJ
ejif-9019	197	156	the	the	DET
ejif-9019	197	157	mean	mean	ADJ
ejif-9019	197	158	score	score	NOUN
ejif-9019	197	159	of	of	ADP
ejif-9019	197	160	islamic	islamic	ADJ
ejif-9019	197	161	financial	financial	ADJ
ejif-9019	197	162	knowledge	knowledge	NOUN
ejif-9019	197	163	of	of	ADP
ejif-9019	197	164	the	the	DET
ejif-9019	197	165	sample	sample	NOUN
ejif-9019	197	166	is	be	AUX
ejif-9019	197	167	41.6	41.6	NUM
ejif-9019	197	168	%	%	NOUN
ejif-9019	197	169	.	.	PUNCT
ejif-9019	198	1	thus	thus	ADV
ejif-9019	198	2	,	,	PUNCT
ejif-9019	198	3	the	the	DET
ejif-9019	198	4	results	result	NOUN
ejif-9019	198	5	point	point	VERB
ejif-9019	198	6	out	out	ADP
ejif-9019	198	7	that	that	SCONJ
ejif-9019	198	8	respondents	respondent	NOUN
ejif-9019	198	9	lack	lack	VERB
ejif-9019	198	10	islamic	islamic	ADJ
ejif-9019	198	11	financial	financial	ADJ
ejif-9019	198	12	knowledge	knowledge	NOUN
ejif-9019	198	13	.	.	PUNCT
ejif-9019	199	1	when	when	SCONJ
ejif-9019	199	2	looking	look	VERB
ejif-9019	199	3	at	at	ADP
ejif-9019	199	4	it	it	PRON
ejif-9019	199	5	in	in	ADP
ejif-9019	199	6	detail	detail	NOUN
ejif-9019	199	7	,	,	PUNCT
ejif-9019	199	8	the	the	DET
ejif-9019	199	9	data	datum	NOUN
ejif-9019	199	10	shows	show	VERB
ejif-9019	199	11	that	that	SCONJ
ejif-9019	199	12	a	a	DET
ejif-9019	199	13	large	large	ADJ
ejif-9019	199	14	proportion	proportion	NOUN
ejif-9019	199	15	of	of	ADP
ejif-9019	199	16	respondents	respondent	NOUN
ejif-9019	199	17	reported	report	VERB
ejif-9019	199	18	that	that	SCONJ
ejif-9019	199	19	they	they	PRON
ejif-9019	199	20	did	do	AUX
ejif-9019	199	21	not	not	PART
ejif-9019	199	22	know	know	VERB
ejif-9019	199	23	the	the	DET
ejif-9019	199	24	answers	answer	NOUN
ejif-9019	199	25	to	to	ADP
ejif-9019	199	26	islamic	islamic	ADJ
ejif-9019	199	27	financial	financial	ADJ
ejif-9019	199	28	terms	term	NOUN
ejif-9019	199	29	or	or	CCONJ
ejif-9019	199	30	how	how	SCONJ
ejif-9019	199	31	islamic	islamic	ADJ
ejif-9019	199	32	financial	financial	ADJ
ejif-9019	199	33	products	product	NOUN
ejif-9019	199	34	and	and	CCONJ
ejif-9019	199	35	services	service	NOUN
ejif-9019	199	36	work	work	NOUN
ejif-9019	199	37	.	.	PUNCT
ejif-9019	200	1	the	the	DET
ejif-9019	200	2	findings	finding	NOUN
ejif-9019	200	3	obtained	obtain	VERB
ejif-9019	200	4	from	from	ADP
ejif-9019	200	5	this	this	DET
ejif-9019	200	6	study	study	NOUN
ejif-9019	200	7	are	be	AUX
ejif-9019	200	8	per	per	ADP
ejif-9019	200	9	previous	previous	ADJ
ejif-9019	200	10	empirical	empirical	ADJ
ejif-9019	200	11	studies	study	NOUN
ejif-9019	200	12	done	do	VERB
ejif-9019	200	13	by	by	ADP
ejif-9019	200	14	abdullah	abdullah	PROPN
ejif-9019	200	15	and	and	CCONJ
ejif-9019	200	16	razak	razak	PROPN
ejif-9019	200	17	(	(	PUNCT
ejif-9019	200	18	2015	2015	NUM
ejif-9019	200	19	)	)	PUNCT
ejif-9019	200	20	,	,	PUNCT
ejif-9019	200	21	alfarisi	alfarisi	PROPN
ejif-9019	200	22	et	et	PROPN
ejif-9019	200	23	al	al	PROPN
ejif-9019	200	24	.	.	PROPN
ejif-9019	201	1	(	(	PUNCT
ejif-9019	201	2	2020	2020	NUM
ejif-9019	201	3	)	)	PUNCT
ejif-9019	201	4	,	,	PUNCT
ejif-9019	201	5	and	and	CCONJ
ejif-9019	201	6	zaman	zaman	PROPN
ejif-9019	201	7	et	et	PROPN
ejif-9019	201	8	al	al	PROPN
ejif-9019	201	9	.	.	PROPN
ejif-9019	202	1	(	(	PUNCT
ejif-9019	202	2	2017	2017	NUM
ejif-9019	202	3	)	)	PUNCT
ejif-9019	202	4	,	,	PUNCT
ejif-9019	202	5	which	which	PRON
ejif-9019	202	6	found	find	VERB
ejif-9019	202	7	that	that	SCONJ
ejif-9019	202	8	respondents	respondent	NOUN
ejif-9019	202	9	were	be	AUX
ejif-9019	202	10	having	have	VERB
ejif-9019	202	11	difficulty	difficulty	NOUN
ejif-9019	202	12	in	in	ADP
ejif-9019	202	13	identifying	identify	VERB
ejif-9019	202	14	commonly	commonly	ADV
ejif-9019	202	15	used	use	VERB
ejif-9019	202	16	islamic	islamic	ADJ
ejif-9019	202	17	financial	financial	ADJ
ejif-9019	202	18	terms	term	NOUN
ejif-9019	202	19	and	and	CCONJ
ejif-9019	202	20	products	product	NOUN
ejif-9019	202	21	.	.	PUNCT
ejif-9019	203	1	regarding	regard	VERB
ejif-9019	203	2	the	the	DET
ejif-9019	203	3	islamic	islamic	ADJ
ejif-9019	203	4	financial	financial	ADJ
ejif-9019	203	5	attitude	attitude	NOUN
ejif-9019	203	6	score	score	NOUN
ejif-9019	203	7	,	,	PUNCT
ejif-9019	203	8	the	the	DET
ejif-9019	203	9	mean	mean	ADJ
ejif-9019	203	10	score	score	NOUN
ejif-9019	203	11	equals	equal	VERB
ejif-9019	203	12	52.4	52.4	NUM
ejif-9019	203	13	%	%	NOUN
ejif-9019	203	14	.	.	PUNCT
ejif-9019	204	1	although	although	SCONJ
ejif-9019	204	2	the	the	DET
ejif-9019	204	3	score	score	NOUN
ejif-9019	204	4	was	be	AUX
ejif-9019	204	5	above	above	ADP
ejif-9019	204	6	average	average	ADJ
ejif-9019	204	7	,	,	PUNCT
ejif-9019	204	8	and	and	CCONJ
ejif-9019	204	9	the	the	DET
ejif-9019	204	10	respondents	respondent	NOUN
ejif-9019	204	11	were	be	AUX
ejif-9019	204	12	aware	aware	ADJ
ejif-9019	204	13	of	of	ADP
ejif-9019	204	14	the	the	DET
ejif-9019	204	15	availability	availability	NOUN
ejif-9019	204	16	of	of	ADP
ejif-9019	204	17	islamic	islamic	ADJ
ejif-9019	204	18	financial	financial	ADJ
ejif-9019	204	19	services	service	NOUN
ejif-9019	204	20	in	in	ADP
ejif-9019	204	21	the	the	DET
ejif-9019	204	22	market	market	NOUN
ejif-9019	204	23	,	,	PUNCT
ejif-9019	204	24	they	they	PRON
ejif-9019	204	25	still	still	ADV
ejif-9019	204	26	perceived	perceive	VERB
ejif-9019	204	27	no	no	DET
ejif-9019	204	28	difference	difference	NOUN
ejif-9019	204	29	between	between	ADP
ejif-9019	204	30	conventional	conventional	ADJ
ejif-9019	204	31	and	and	CCONJ
ejif-9019	204	32	islamic	islamic	ADJ
ejif-9019	204	33	financial	financial	ADJ
ejif-9019	204	34	products	product	NOUN
ejif-9019	204	35	.	.	PUNCT
ejif-9019	205	1	the	the	DET
ejif-9019	205	2	results	result	NOUN
ejif-9019	205	3	of	of	ADP
ejif-9019	205	4	this	this	DET
ejif-9019	205	5	study	study	NOUN
ejif-9019	205	6	european	european	PROPN
ejif-9019	205	7	journal	journal	PROPN
ejif-9019	205	8	of	of	ADP
ejif-9019	205	9	islamic	islamic	PROPN
ejif-9019	205	10	finance	finance	PROPN
ejif-9019	205	11	issn	issn	PROPN
ejif-9019	205	12	:	:	PUNCT
ejif-9019	205	13	2421	2421	NUM
ejif-9019	205	14	-	-	SYM
ejif-9019	205	15	2172	2172	NUM
ejif-9019	205	16	doi	doi	NOUN
ejif-9019	205	17	:	:	PUNCT
ejif-9019	205	18	10.13135/2421	10.13135/2421	NUM
ejif-9019	205	19	-	-	SYM
ejif-9019	205	20	2172/9019	2172/9019	NUM
ejif-9019	205	21	published	publish	VERB
ejif-9019	205	22	by	by	ADP
ejif-9019	205	23	university	university	PROPN
ejif-9019	205	24	of	of	ADP
ejif-9019	205	25	turin	turin	PROPN
ejif-9019	206	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	206	2	ejif	ejif	PROPN
ejif-9019	206	3	content	content	NOUN
ejif-9019	206	4	is	be	AUX
ejif-9019	206	5	licensed	license	VERB
ejif-9019	206	6	under	under	ADP
ejif-9019	206	7	a	a	DET
ejif-9019	206	8	creative	creative	ADJ
ejif-9019	206	9	commons	common	NOUN
ejif-9019	206	10	attribution	attribution	NOUN
ejif-9019	206	11	4.0	4.0	NUM
ejif-9019	206	12	international	international	ADJ
ejif-9019	206	13	license	license	NOUN
ejif-9019	206	14	10	10	NUM
ejif-9019	206	15	are	be	AUX
ejif-9019	206	16	like	like	ADP
ejif-9019	206	17	many	many	ADJ
ejif-9019	206	18	of	of	ADP
ejif-9019	206	19	the	the	DET
ejif-9019	206	20	studies	study	NOUN
ejif-9019	206	21	in	in	ADP
ejif-9019	206	22	the	the	DET
ejif-9019	206	23	field	field	NOUN
ejif-9019	206	24	,	,	PUNCT
ejif-9019	206	25	including	include	VERB
ejif-9019	206	26	those	those	PRON
ejif-9019	206	27	of	of	ADP
ejif-9019	206	28	abdullah	abdullah	PROPN
ejif-9019	206	29	and	and	CCONJ
ejif-9019	206	30	anderson	anderson	PROPN
ejif-9019	206	31	(	(	PUNCT
ejif-9019	206	32	2015	2015	NUM
ejif-9019	206	33	)	)	PUNCT
ejif-9019	206	34	,	,	PUNCT
ejif-9019	206	35	er	er	INTJ
ejif-9019	206	36	and	and	CCONJ
ejif-9019	206	37	mutlu	mutlu	PROPN
ejif-9019	206	38	(	(	PUNCT
ejif-9019	206	39	2017	2017	NUM
ejif-9019	206	40	)	)	PUNCT
ejif-9019	206	41	and	and	CCONJ
ejif-9019	206	42	zaman	zaman	PROPN
ejif-9019	206	43	et	et	PROPN
ejif-9019	206	44	al	al	PROPN
ejif-9019	206	45	.	.	PROPN
ejif-9019	207	1	(	(	PUNCT
ejif-9019	207	2	2017	2017	NUM
ejif-9019	207	3	)	)	PUNCT
ejif-9019	207	4	,	,	PUNCT
ejif-9019	207	5	who	who	PRON
ejif-9019	207	6	found	find	VERB
ejif-9019	207	7	that	that	SCONJ
ejif-9019	207	8	respondents	respondent	NOUN
ejif-9019	207	9	believe	believe	VERB
ejif-9019	207	10	both	both	CCONJ
ejif-9019	207	11	islamic	islamic	ADJ
ejif-9019	207	12	and	and	CCONJ
ejif-9019	207	13	conventional	conventional	ADJ
ejif-9019	207	14	banking	banking	NOUN
ejif-9019	207	15	products	product	NOUN
ejif-9019	207	16	are	be	AUX
ejif-9019	207	17	the	the	DET
ejif-9019	207	18	same	same	ADJ
ejif-9019	207	19	,	,	PUNCT
ejif-9019	207	20	except	except	SCONJ
ejif-9019	207	21	for	for	ADP
ejif-9019	207	22	their	their	PRON
ejif-9019	207	23	names	name	NOUN
ejif-9019	207	24	.	.	PUNCT
ejif-9019	208	1	in	in	ADP
ejif-9019	208	2	testing	test	VERB
ejif-9019	208	3	the	the	DET
ejif-9019	208	4	behaviour	behaviour	NOUN
ejif-9019	208	5	relating	relate	VERB
ejif-9019	208	6	to	to	ADP
ejif-9019	208	7	islamic	islamic	ADJ
ejif-9019	208	8	finance	finance	NOUN
ejif-9019	208	9	,	,	PUNCT
ejif-9019	208	10	the	the	DET
ejif-9019	208	11	findings	finding	NOUN
ejif-9019	208	12	reveal	reveal	VERB
ejif-9019	208	13	that	that	SCONJ
ejif-9019	208	14	respondents	respondent	NOUN
ejif-9019	208	15	possess	possess	VERB
ejif-9019	208	16	a	a	DET
ejif-9019	208	17	good	good	ADJ
ejif-9019	208	18	understanding	understanding	NOUN
ejif-9019	208	19	and	and	CCONJ
ejif-9019	208	20	were	be	AUX
ejif-9019	208	21	able	able	ADJ
ejif-9019	208	22	to	to	PART
ejif-9019	208	23	plan	plan	VERB
ejif-9019	208	24	their	their	PRON
ejif-9019	208	25	spending	spending	NOUN
ejif-9019	208	26	and	and	CCONJ
ejif-9019	208	27	savings	saving	NOUN
ejif-9019	208	28	and	and	CCONJ
ejif-9019	208	29	invest	invest	VERB
ejif-9019	208	30	in	in	ADP
ejif-9019	208	31	transactions	transaction	NOUN
ejif-9019	208	32	permissible	permissible	ADJ
ejif-9019	208	33	by	by	ADP
ejif-9019	208	34	shari'ah	shari'ah	NOUN
ejif-9019	208	35	law	law	NOUN
ejif-9019	208	36	.	.	PUNCT
ejif-9019	209	1	regarding	regard	VERB
ejif-9019	209	2	the	the	DET
ejif-9019	209	3	level	level	NOUN
ejif-9019	209	4	of	of	ADP
ejif-9019	209	5	ifl	ifl	PROPN
ejif-9019	209	6	,	,	PUNCT
ejif-9019	209	7	which	which	PRON
ejif-9019	209	8	is	be	AUX
ejif-9019	209	9	calculated	calculate	VERB
ejif-9019	209	10	by	by	ADP
ejif-9019	209	11	adding	add	VERB
ejif-9019	209	12	the	the	DET
ejif-9019	209	13	scores	score	NOUN
ejif-9019	209	14	of	of	ADP
ejif-9019	209	15	islamic	islamic	ADJ
ejif-9019	209	16	financial	financial	ADJ
ejif-9019	209	17	knowledge	knowledge	NOUN
ejif-9019	209	18	,	,	PUNCT
ejif-9019	209	19	attitude	attitude	NOUN
ejif-9019	209	20	,	,	PUNCT
ejif-9019	209	21	and	and	CCONJ
ejif-9019	209	22	behaviour	behaviour	NOUN
ejif-9019	209	23	,	,	PUNCT
ejif-9019	209	24	it	it	PRON
ejif-9019	209	25	was	be	AUX
ejif-9019	209	26	observed	observe	VERB
ejif-9019	209	27	that	that	SCONJ
ejif-9019	209	28	the	the	DET
ejif-9019	209	29	mean	mean	ADJ
ejif-9019	209	30	score	score	NOUN
ejif-9019	209	31	of	of	ADP
ejif-9019	209	32	the	the	DET
ejif-9019	209	33	sample	sample	NOUN
ejif-9019	209	34	is	be	AUX
ejif-9019	209	35	equal	equal	ADJ
ejif-9019	209	36	to	to	ADP
ejif-9019	209	37	50.48	50.48	NUM
ejif-9019	209	38	percent	percent	NOUN
ejif-9019	209	39	,	,	PUNCT
ejif-9019	209	40	indicating	indicate	VERB
ejif-9019	209	41	that	that	SCONJ
ejif-9019	209	42	the	the	DET
ejif-9019	209	43	level	level	NOUN
ejif-9019	209	44	of	of	ADP
ejif-9019	209	45	ifl	ifl	PROPN
ejif-9019	209	46	is	be	AUX
ejif-9019	209	47	just	just	ADV
ejif-9019	209	48	above	above	ADP
ejif-9019	209	49	the	the	DET
ejif-9019	209	50	average	average	NOUN
ejif-9019	209	51	.	.	PUNCT
ejif-9019	210	1	the	the	DET
ejif-9019	210	2	analysis	analysis	NOUN
ejif-9019	210	3	of	of	ADP
ejif-9019	210	4	the	the	DET
ejif-9019	210	5	association	association	NOUN
ejif-9019	210	6	between	between	ADP
ejif-9019	210	7	ifl	ifl	PROPN
ejif-9019	210	8	scores	score	NOUN
ejif-9019	210	9	and	and	CCONJ
ejif-9019	210	10	selected	select	VERB
ejif-9019	210	11	demographic	demographic	ADJ
ejif-9019	210	12	variables	variable	NOUN
ejif-9019	210	13	illustrates	illustrate	VERB
ejif-9019	210	14	that	that	SCONJ
ejif-9019	210	15	males	male	NOUN
ejif-9019	210	16	have	have	VERB
ejif-9019	210	17	higher	high	ADJ
ejif-9019	210	18	ifl	ifl	PROPN
ejif-9019	210	19	scores	score	NOUN
ejif-9019	210	20	than	than	ADP
ejif-9019	210	21	females	female	NOUN
ejif-9019	210	22	,	,	PUNCT
ejif-9019	210	23	although	although	SCONJ
ejif-9019	210	24	the	the	DET
ejif-9019	210	25	variation	variation	NOUN
ejif-9019	210	26	in	in	ADP
ejif-9019	210	27	figures	figure	NOUN
ejif-9019	210	28	is	be	AUX
ejif-9019	210	29	not	not	PART
ejif-9019	210	30	substantial	substantial	ADJ
ejif-9019	210	31	.	.	PUNCT
ejif-9019	211	1	furthermore	furthermore	ADV
ejif-9019	211	2	,	,	PUNCT
ejif-9019	211	3	the	the	DET
ejif-9019	211	4	overall	overall	ADJ
ejif-9019	211	5	scores	score	NOUN
ejif-9019	211	6	were	be	AUX
ejif-9019	211	7	lowest	low	ADJ
ejif-9019	211	8	among	among	ADP
ejif-9019	211	9	the	the	DET
ejif-9019	211	10	18	18	NUM
ejif-9019	211	11	-	-	SYM
ejif-9019	211	12	19	19	NUM
ejif-9019	211	13	and	and	CCONJ
ejif-9019	211	14	70	70	NUM
ejif-9019	211	15	-	-	SYM
ejif-9019	211	16	79	79	NUM
ejif-9019	211	17	age	age	NOUN
ejif-9019	211	18	groups	group	NOUN
ejif-9019	211	19	.	.	PUNCT
ejif-9019	212	1	thus	thus	ADV
ejif-9019	212	2	,	,	PUNCT
ejif-9019	212	3	the	the	DET
ejif-9019	212	4	results	result	NOUN
ejif-9019	212	5	point	point	VERB
ejif-9019	212	6	to	to	ADP
ejif-9019	212	7	widespread	widespread	ADJ
ejif-9019	212	8	islamic	islamic	ADJ
ejif-9019	212	9	financial	financial	ADJ
ejif-9019	212	10	illiteracy	illiteracy	NOUN
ejif-9019	212	11	among	among	ADP
ejif-9019	212	12	the	the	DET
ejif-9019	212	13	younger	young	ADJ
ejif-9019	212	14	and	and	CCONJ
ejif-9019	212	15	older	old	ADJ
ejif-9019	212	16	populations	population	NOUN
ejif-9019	212	17	in	in	ADP
ejif-9019	212	18	the	the	DET
ejif-9019	212	19	five	five	NUM
ejif-9019	212	20	southernmost	southernmost	NOUN
ejif-9019	212	21	provinces	province	NOUN
ejif-9019	212	22	of	of	ADP
ejif-9019	212	23	thailand	thailand	PROPN
ejif-9019	212	24	.	.	PUNCT
ejif-9019	213	1	according	accord	VERB
ejif-9019	213	2	to	to	ADP
ejif-9019	213	3	the	the	DET
ejif-9019	213	4	level	level	NOUN
ejif-9019	213	5	of	of	ADP
ejif-9019	213	6	education	education	NOUN
ejif-9019	213	7	,	,	PUNCT
ejif-9019	213	8	respondents	respondent	NOUN
ejif-9019	213	9	with	with	ADP
ejif-9019	213	10	higher	high	ADJ
ejif-9019	213	11	education	education	NOUN
ejif-9019	213	12	seem	seem	VERB
ejif-9019	213	13	to	to	PART
ejif-9019	213	14	have	have	VERB
ejif-9019	213	15	the	the	DET
ejif-9019	213	16	highest	high	ADJ
ejif-9019	213	17	mean	mean	ADJ
ejif-9019	213	18	scores	score	NOUN
ejif-9019	213	19	,	,	PUNCT
ejif-9019	213	20	while	while	SCONJ
ejif-9019	213	21	respondents	respondent	NOUN
ejif-9019	213	22	with	with	ADP
ejif-9019	213	23	secondary	secondary	ADJ
ejif-9019	213	24	,	,	PUNCT
ejif-9019	213	25	primary	primary	NOUN
ejif-9019	213	26	,	,	PUNCT
ejif-9019	213	27	and	and	CCONJ
ejif-9019	213	28	no	no	DET
ejif-9019	213	29	formal	formal	ADJ
ejif-9019	213	30	education	education	NOUN
ejif-9019	213	31	were	be	AUX
ejif-9019	213	32	the	the	DET
ejif-9019	213	33	least	least	ADJ
ejif-9019	213	34	financially	financially	ADV
ejif-9019	213	35	literate	literate	ADJ
ejif-9019	213	36	groups	group	NOUN
ejif-9019	213	37	.	.	PUNCT
ejif-9019	214	1	therefore	therefore	ADV
ejif-9019	214	2	,	,	PUNCT
ejif-9019	214	3	the	the	DET
ejif-9019	214	4	findings	finding	NOUN
ejif-9019	214	5	indicate	indicate	VERB
ejif-9019	214	6	a	a	DET
ejif-9019	214	7	positive	positive	ADJ
ejif-9019	214	8	link	link	NOUN
ejif-9019	214	9	between	between	ADP
ejif-9019	214	10	the	the	DET
ejif-9019	214	11	level	level	NOUN
ejif-9019	214	12	of	of	ADP
ejif-9019	214	13	education	education	NOUN
ejif-9019	214	14	and	and	CCONJ
ejif-9019	214	15	ifl	ifl	PROPN
ejif-9019	214	16	.	.	PUNCT
ejif-9019	215	1	then	then	ADV
ejif-9019	215	2	,	,	PUNCT
ejif-9019	215	3	the	the	DET
ejif-9019	215	4	data	datum	NOUN
ejif-9019	215	5	suggest	suggest	VERB
ejif-9019	215	6	that	that	SCONJ
ejif-9019	215	7	the	the	DET
ejif-9019	215	8	lowest	low	ADJ
ejif-9019	215	9	income	income	NOUN
ejif-9019	215	10	group	group	NOUN
ejif-9019	215	11	appeared	appear	VERB
ejif-9019	215	12	to	to	PART
ejif-9019	215	13	be	be	AUX
ejif-9019	215	14	the	the	DET
ejif-9019	215	15	least	least	ADJ
ejif-9019	215	16	financially	financially	ADV
ejif-9019	215	17	literate	literate	ADJ
ejif-9019	215	18	compared	compare	VERB
ejif-9019	215	19	to	to	ADP
ejif-9019	215	20	other	other	ADJ
ejif-9019	215	21	groups	group	NOUN
ejif-9019	215	22	.	.	PUNCT
ejif-9019	216	1	table	table	NOUN
ejif-9019	216	2	2	2	NUM
ejif-9019	216	3	.	.	X
ejif-9019	217	1	overall	overall	ADJ
ejif-9019	217	2	islamic	islamic	ADJ
ejif-9019	217	3	financial	financial	ADJ
ejif-9019	217	4	literacy	literacy	NOUN
ejif-9019	217	5	test	test	NOUN
ejif-9019	217	6	score	score	NOUN
ejif-9019	217	7	islamic	islamic	ADJ
ejif-9019	217	8	financial	financial	ADJ
ejif-9019	217	9	literacy	literacy	NOUN
ejif-9019	217	10	item	item	NOUN
ejif-9019	217	11	total	total	NOUN
ejif-9019	217	12	score	score	NOUN
ejif-9019	217	13	mean	mean	VERB
ejif-9019	217	14	score	score	NOUN
ejif-9019	217	15	percentage	percentage	NOUN
ejif-9019	217	16	standard	standard	ADJ
ejif-9019	217	17	deviation	deviation	NOUN
ejif-9019	217	18	islamic	islamic	ADJ
ejif-9019	217	19	financial	financial	ADJ
ejif-9019	217	20	knowledge	knowledge	NOUN
ejif-9019	217	21	15	15	NUM
ejif-9019	217	22	6.24	6.24	NUM
ejif-9019	217	23	41.6	41.6	NUM
ejif-9019	217	24	3.67	3.67	NUM
ejif-9019	217	25	islamic	islamic	ADJ
ejif-9019	217	26	financial	financial	ADJ
ejif-9019	217	27	attitude	attitude	NOUN
ejif-9019	217	28	5	5	NUM
ejif-9019	217	29	2.62	2.62	NUM
ejif-9019	217	30	52.4	52.4	NUM
ejif-9019	217	31	1.23	1.23	NUM
ejif-9019	217	32	islamic	islamic	ADJ
ejif-9019	217	33	financial	financial	ADJ
ejif-9019	217	34	behaviour	behaviour	NOUN
ejif-9019	217	35	5	5	NUM
ejif-9019	217	36	3.76	3.76	NUM
ejif-9019	217	37	75.2	75.2	NUM
ejif-9019	217	38	1.63	1.63	NUM
ejif-9019	217	39	level	level	NOUN
ejif-9019	217	40	of	of	ADP
ejif-9019	217	41	islamic	islamic	ADJ
ejif-9019	217	42	financial	financial	ADJ
ejif-9019	217	43	literacy	literacy	NOUN
ejif-9019	217	44	25	25	NUM
ejif-9019	217	45	12.62	12.62	NUM
ejif-9019	217	46	50.48	50.48	NUM
ejif-9019	217	47	4.90	4.90	NUM
ejif-9019	217	48	source	source	NOUN
ejif-9019	217	49	:	:	PUNCT
ejif-9019	217	50	authors	author	NOUN
ejif-9019	217	51	’	'	PUNCT
ejif-9019	217	52	elaboration	elaboration	VERB
ejif-9019	217	53	the	the	DET
ejif-9019	217	54	data	datum	NOUN
ejif-9019	217	55	in	in	ADP
ejif-9019	217	56	table	table	NOUN
ejif-9019	217	57	3	3	NUM
ejif-9019	217	58	indicates	indicate	VERB
ejif-9019	217	59	that	that	SCONJ
ejif-9019	217	60	this	this	DET
ejif-9019	217	61	group	group	NOUN
ejif-9019	217	62	's	's	PART
ejif-9019	217	63	mean	mean	ADJ
ejif-9019	217	64	score	score	NOUN
ejif-9019	217	65	for	for	ADP
ejif-9019	217	66	islamic	islamic	ADJ
ejif-9019	217	67	financial	financial	ADJ
ejif-9019	217	68	access	access	NOUN
ejif-9019	217	69	is	be	AUX
ejif-9019	217	70	17.2	17.2	NUM
ejif-9019	217	71	percent	percent	NOUN
ejif-9019	217	72	.	.	PUNCT
ejif-9019	218	1	the	the	DET
ejif-9019	218	2	most	most	ADV
ejif-9019	218	3	widely	widely	ADV
ejif-9019	218	4	held	hold	VERB
ejif-9019	218	5	islamic	islamic	ADJ
ejif-9019	218	6	financial	financial	ADJ
ejif-9019	218	7	product	product	NOUN
ejif-9019	218	8	in	in	ADP
ejif-9019	218	9	the	the	DET
ejif-9019	218	10	five	five	NUM
ejif-9019	218	11	southernmost	southernmost	NOUN
ejif-9019	218	12	provinces	province	NOUN
ejif-9019	218	13	of	of	ADP
ejif-9019	218	14	thailand	thailand	PROPN
ejif-9019	218	15	is	be	AUX
ejif-9019	218	16	a	a	DET
ejif-9019	218	17	deposit	deposit	NOUN
ejif-9019	218	18	account	account	NOUN
ejif-9019	218	19	.	.	PUNCT
ejif-9019	219	1	when	when	SCONJ
ejif-9019	219	2	examining	examine	VERB
ejif-9019	219	3	other	other	ADJ
ejif-9019	219	4	islamic	islamic	ADJ
ejif-9019	219	5	financial	financial	ADJ
ejif-9019	219	6	products	product	NOUN
ejif-9019	219	7	,	,	PUNCT
ejif-9019	219	8	such	such	ADJ
ejif-9019	219	9	as	as	ADP
ejif-9019	219	10	islamic	islamic	ADJ
ejif-9019	219	11	credit	credit	NOUN
ejif-9019	219	12	,	,	PUNCT
ejif-9019	219	13	islamic	islamic	ADJ
ejif-9019	219	14	vehicle	vehicle	NOUN
ejif-9019	219	15	leasing	leasing	NOUN
ejif-9019	219	16	,	,	PUNCT
ejif-9019	219	17	shari'ah	shari'ah	NOUN
ejif-9019	219	18	-	-	PUNCT
ejif-9019	219	19	compliant	compliant	ADJ
ejif-9019	219	20	equity	equity	NOUN
ejif-9019	219	21	funds	fund	NOUN
ejif-9019	219	22	,	,	PUNCT
ejif-9019	219	23	and	and	CCONJ
ejif-9019	219	24	islamic	islamic	ADJ
ejif-9019	219	25	insurance	insurance	NOUN
ejif-9019	219	26	,	,	PUNCT
ejif-9019	219	27	the	the	DET
ejif-9019	219	28	number	number	NOUN
ejif-9019	219	29	of	of	ADP
ejif-9019	219	30	respondents	respondent	NOUN
ejif-9019	219	31	with	with	ADP
ejif-9019	219	32	access	access	NOUN
ejif-9019	219	33	to	to	ADP
ejif-9019	219	34	them	they	PRON
ejif-9019	219	35	was	be	AUX
ejif-9019	219	36	relatively	relatively	ADV
ejif-9019	219	37	low	low	ADJ
ejif-9019	219	38	.	.	PUNCT
ejif-9019	220	1	regarding	regard	VERB
ejif-9019	220	2	the	the	DET
ejif-9019	220	3	islamic	islamic	ADJ
ejif-9019	220	4	financial	financial	ADJ
ejif-9019	220	5	usage	usage	NOUN
ejif-9019	220	6	score	score	NOUN
ejif-9019	220	7	,	,	PUNCT
ejif-9019	220	8	the	the	DET
ejif-9019	220	9	average	average	ADJ
ejif-9019	220	10	score	score	NOUN
ejif-9019	220	11	for	for	ADP
ejif-9019	220	12	the	the	DET
ejif-9019	220	13	entire	entire	ADJ
ejif-9019	220	14	sample	sample	NOUN
ejif-9019	220	15	is	be	AUX
ejif-9019	220	16	20.5	20.5	NUM
ejif-9019	220	17	percent	percent	NOUN
ejif-9019	220	18	.	.	PUNCT
ejif-9019	221	1	the	the	DET
ejif-9019	221	2	data	datum	NOUN
ejif-9019	221	3	above	above	ADV
ejif-9019	221	4	shows	show	VERB
ejif-9019	221	5	that	that	SCONJ
ejif-9019	221	6	only	only	ADV
ejif-9019	221	7	one	one	NUM
ejif-9019	221	8	-	-	PUNCT
ejif-9019	221	9	fifth	fifth	NOUN
ejif-9019	221	10	of	of	ADP
ejif-9019	221	11	respondents	respondent	NOUN
ejif-9019	221	12	used	use	VERB
ejif-9019	221	13	islamic	islamic	ADJ
ejif-9019	221	14	financial	financial	ADJ
ejif-9019	221	15	services	service	NOUN
ejif-9019	221	16	for	for	ADP
ejif-9019	221	17	their	their	PRON
ejif-9019	221	18	transactions	transaction	NOUN
ejif-9019	221	19	in	in	ADP
ejif-9019	221	20	the	the	DET
ejif-9019	221	21	last	last	ADJ
ejif-9019	221	22	12	12	NUM
ejif-9019	221	23	months	month	NOUN
ejif-9019	221	24	.	.	PUNCT
ejif-9019	222	1	based	base	VERB
ejif-9019	222	2	on	on	ADP
ejif-9019	222	3	the	the	DET
ejif-9019	222	4	level	level	NOUN
ejif-9019	222	5	of	of	ADP
ejif-9019	222	6	ifi	ifi	PROPN
ejif-9019	222	7	,	,	PUNCT
ejif-9019	222	8	which	which	PRON
ejif-9019	222	9	was	be	AUX
ejif-9019	222	10	derived	derive	VERB
ejif-9019	222	11	from	from	ADP
ejif-9019	222	12	the	the	DET
ejif-9019	222	13	total	total	ADJ
ejif-9019	222	14	score	score	NOUN
ejif-9019	222	15	of	of	ADP
ejif-9019	222	16	islamic	islamic	ADJ
ejif-9019	222	17	financial	financial	ADJ
ejif-9019	222	18	access	access	NOUN
ejif-9019	222	19	and	and	CCONJ
ejif-9019	222	20	usage	usage	NOUN
ejif-9019	222	21	,	,	PUNCT
ejif-9019	222	22	it	it	PRON
ejif-9019	222	23	was	be	AUX
ejif-9019	222	24	discovered	discover	VERB
ejif-9019	222	25	that	that	SCONJ
ejif-9019	222	26	the	the	DET
ejif-9019	222	27	respondents	respondent	NOUN
ejif-9019	222	28	have	have	VERB
ejif-9019	222	29	a	a	DET
ejif-9019	222	30	mean	mean	ADJ
ejif-9019	222	31	score	score	NOUN
ejif-9019	222	32	of	of	ADP
ejif-9019	222	33	18.14	18.14	NUM
ejif-9019	222	34	percent	percent	NOUN
ejif-9019	222	35	.	.	PUNCT
ejif-9019	223	1	consequently	consequently	ADV
ejif-9019	223	2	,	,	PUNCT
ejif-9019	223	3	most	most	ADJ
ejif-9019	223	4	respondents	respondent	NOUN
ejif-9019	223	5	stated	state	VERB
ejif-9019	223	6	they	they	PRON
ejif-9019	223	7	had	have	VERB
ejif-9019	223	8	no	no	DET
ejif-9019	223	9	islamic	islamic	ADJ
ejif-9019	223	10	financial	financial	ADJ
ejif-9019	223	11	products	product	NOUN
ejif-9019	223	12	and	and	CCONJ
ejif-9019	223	13	had	have	AUX
ejif-9019	223	14	not	not	PART
ejif-9019	223	15	used	use	VERB
ejif-9019	223	16	the	the	DET
ejif-9019	223	17	services	service	NOUN
ejif-9019	223	18	.	.	PUNCT
ejif-9019	224	1	thus	thus	ADV
ejif-9019	224	2	,	,	PUNCT
ejif-9019	224	3	the	the	DET
ejif-9019	224	4	level	level	NOUN
ejif-9019	224	5	of	of	ADP
ejif-9019	224	6	ifi	ifi	PROPN
ejif-9019	224	7	across	across	ADP
ejif-9019	224	8	the	the	DET
ejif-9019	224	9	sample	sample	NOUN
ejif-9019	224	10	in	in	ADP
ejif-9019	224	11	the	the	DET
ejif-9019	224	12	five	five	NUM
ejif-9019	224	13	southernmost	southernmost	NOUN
ejif-9019	224	14	provinces	province	NOUN
ejif-9019	224	15	of	of	ADP
ejif-9019	224	16	thailand	thailand	PROPN
ejif-9019	224	17	remains	remain	VERB
ejif-9019	224	18	low	low	ADJ
ejif-9019	224	19	.	.	PUNCT
ejif-9019	225	1	the	the	DET
ejif-9019	225	2	cross	cross	NOUN
ejif-9019	225	3	-	-	NOUN
ejif-9019	225	4	tabulation	tabulation	NOUN
ejif-9019	225	5	analyses	analysis	NOUN
ejif-9019	225	6	between	between	ADP
ejif-9019	225	7	ifi	ifi	PROPN
ejif-9019	225	8	scores	score	NOUN
ejif-9019	225	9	and	and	CCONJ
ejif-9019	225	10	demographic	demographic	ADJ
ejif-9019	225	11	information	information	NOUN
ejif-9019	225	12	indicate	indicate	VERB
ejif-9019	225	13	that	that	SCONJ
ejif-9019	225	14	females	female	NOUN
ejif-9019	225	15	are	be	AUX
ejif-9019	225	16	less	less	ADV
ejif-9019	225	17	likely	likely	ADJ
ejif-9019	225	18	than	than	ADP
ejif-9019	225	19	males	male	NOUN
ejif-9019	225	20	to	to	PART
ejif-9019	225	21	own	own	VERB
ejif-9019	225	22	and	and	CCONJ
ejif-9019	225	23	use	use	VERB
ejif-9019	225	24	islamic	islamic	ADJ
ejif-9019	225	25	financial	financial	ADJ
ejif-9019	225	26	products	product	NOUN
ejif-9019	225	27	and	and	CCONJ
ejif-9019	225	28	services	service	NOUN
ejif-9019	225	29	.	.	PUNCT
ejif-9019	226	1	moreover	moreover	ADV
ejif-9019	226	2	,	,	PUNCT
ejif-9019	226	3	it	it	PRON
ejif-9019	226	4	was	be	AUX
ejif-9019	226	5	found	find	VERB
ejif-9019	226	6	that	that	SCONJ
ejif-9019	226	7	age	age	NOUN
ejif-9019	226	8	is	be	AUX
ejif-9019	226	9	negatively	negatively	ADV
ejif-9019	226	10	associated	associate	VERB
ejif-9019	226	11	with	with	ADP
ejif-9019	226	12	the	the	DET
ejif-9019	226	13	level	level	NOUN
ejif-9019	226	14	of	of	ADP
ejif-9019	226	15	ifi	ifi	PROPN
ejif-9019	226	16	,	,	PUNCT
ejif-9019	226	17	suggesting	suggest	VERB
ejif-9019	226	18	that	that	SCONJ
ejif-9019	226	19	older	old	ADJ
ejif-9019	226	20	people	people	NOUN
ejif-9019	226	21	are	be	AUX
ejif-9019	226	22	more	more	ADV
ejif-9019	226	23	likely	likely	ADJ
ejif-9019	226	24	to	to	PART
ejif-9019	226	25	experience	experience	VERB
ejif-9019	226	26	islamic	islamic	ADJ
ejif-9019	226	27	financial	financial	ADJ
ejif-9019	226	28	exclusion	exclusion	NOUN
ejif-9019	226	29	than	than	ADP
ejif-9019	226	30	younger	young	ADJ
ejif-9019	226	31	individuals	individual	NOUN
ejif-9019	226	32	.	.	PUNCT
ejif-9019	227	1	regarding	regard	VERB
ejif-9019	227	2	the	the	DET
ejif-9019	227	3	level	level	NOUN
ejif-9019	227	4	of	of	ADP
ejif-9019	227	5	education	education	NOUN
ejif-9019	227	6	,	,	PUNCT
ejif-9019	227	7	the	the	DET
ejif-9019	227	8	findings	finding	NOUN
ejif-9019	227	9	reveal	reveal	VERB
ejif-9019	227	10	that	that	SCONJ
ejif-9019	227	11	respondents	respondent	NOUN
ejif-9019	227	12	with	with	ADP
ejif-9019	227	13	tertiary	tertiary	ADJ
ejif-9019	227	14	education	education	NOUN
ejif-9019	227	15	are	be	AUX
ejif-9019	227	16	more	more	ADV
ejif-9019	227	17	likely	likely	ADJ
ejif-9019	227	18	to	to	ADP
ejif-9019	227	19	european	european	PROPN
ejif-9019	227	20	journal	journal	PROPN
ejif-9019	227	21	of	of	ADP
ejif-9019	227	22	islamic	islamic	PROPN
ejif-9019	227	23	finance	finance	PROPN
ejif-9019	227	24	issn	issn	PROPN
ejif-9019	227	25	:	:	PUNCT
ejif-9019	227	26	2421	2421	NUM
ejif-9019	227	27	-	-	SYM
ejif-9019	227	28	2172	2172	NUM
ejif-9019	227	29	doi	doi	NOUN
ejif-9019	227	30	:	:	PUNCT
ejif-9019	227	31	10.13135/2421	10.13135/2421	NUM
ejif-9019	227	32	-	-	SYM
ejif-9019	227	33	2172/9019	2172/9019	NUM
ejif-9019	227	34	published	publish	VERB
ejif-9019	227	35	by	by	ADP
ejif-9019	227	36	university	university	PROPN
ejif-9019	227	37	of	of	ADP
ejif-9019	227	38	turin	turin	PROPN
ejif-9019	228	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	228	2	ejif	ejif	PROPN
ejif-9019	228	3	content	content	NOUN
ejif-9019	228	4	is	be	AUX
ejif-9019	228	5	licensed	license	VERB
ejif-9019	228	6	under	under	ADP
ejif-9019	228	7	a	a	DET
ejif-9019	228	8	creative	creative	ADJ
ejif-9019	228	9	commons	common	NOUN
ejif-9019	228	10	attribution	attribution	NOUN
ejif-9019	228	11	4.0	4.0	NUM
ejif-9019	228	12	international	international	ADJ
ejif-9019	228	13	license	license	NOUN
ejif-9019	228	14	11	11	NUM
ejif-9019	228	15	access	access	NOUN
ejif-9019	228	16	and	and	CCONJ
ejif-9019	228	17	use	use	VERB
ejif-9019	228	18	shari’ah	shari’ah	NOUN
ejif-9019	228	19	-	-	PUNCT
ejif-9019	228	20	compliant	compliant	ADJ
ejif-9019	228	21	financial	financial	ADJ
ejif-9019	228	22	services	service	NOUN
ejif-9019	228	23	than	than	ADP
ejif-9019	228	24	those	those	PRON
ejif-9019	228	25	with	with	ADP
ejif-9019	228	26	secondary	secondary	ADJ
ejif-9019	228	27	education	education	NOUN
ejif-9019	228	28	or	or	CCONJ
ejif-9019	228	29	less	less	ADJ
ejif-9019	228	30	.	.	PUNCT
ejif-9019	229	1	regarding	regard	VERB
ejif-9019	229	2	monthly	monthly	ADJ
ejif-9019	229	3	income	income	NOUN
ejif-9019	229	4	,	,	PUNCT
ejif-9019	229	5	the	the	DET
ejif-9019	229	6	results	result	NOUN
ejif-9019	229	7	indicate	indicate	VERB
ejif-9019	229	8	that	that	SCONJ
ejif-9019	229	9	respondents	respondent	NOUN
ejif-9019	229	10	who	who	PRON
ejif-9019	229	11	earned	earn	VERB
ejif-9019	229	12	thb	thb	PROPN
ejif-9019	229	13	15,001	15,001	NUM
ejif-9019	229	14	-	-	PUNCT
ejif-9019	229	15	thb	thb	NUM
ejif-9019	229	16	20,000	20,000	NUM
ejif-9019	229	17	have	have	VERB
ejif-9019	229	18	the	the	DET
ejif-9019	229	19	highest	high	ADJ
ejif-9019	229	20	scores	score	NOUN
ejif-9019	229	21	in	in	ADP
ejif-9019	229	22	islamic	islamic	ADJ
ejif-9019	229	23	financial	financial	ADJ
ejif-9019	229	24	access	access	NOUN
ejif-9019	229	25	and	and	CCONJ
ejif-9019	229	26	usage	usage	NOUN
ejif-9019	229	27	.	.	PUNCT
ejif-9019	230	1	the	the	DET
ejif-9019	230	2	results	result	NOUN
ejif-9019	230	3	show	show	VERB
ejif-9019	230	4	only	only	ADV
ejif-9019	230	5	minor	minor	ADJ
ejif-9019	230	6	differences	difference	NOUN
ejif-9019	230	7	in	in	ADP
ejif-9019	230	8	total	total	ADJ
ejif-9019	230	9	scores	score	NOUN
ejif-9019	230	10	between	between	ADP
ejif-9019	230	11	the	the	DET
ejif-9019	230	12	highest	high	ADJ
ejif-9019	230	13	and	and	CCONJ
ejif-9019	230	14	lowest	low	ADJ
ejif-9019	230	15	income	income	NOUN
ejif-9019	230	16	quintiles	quintile	NOUN
ejif-9019	230	17	.	.	PUNCT
ejif-9019	231	1	therefore	therefore	ADV
ejif-9019	231	2	,	,	PUNCT
ejif-9019	231	3	this	this	DET
ejif-9019	231	4	study	study	NOUN
ejif-9019	231	5	found	find	VERB
ejif-9019	231	6	no	no	DET
ejif-9019	231	7	significant	significant	ADJ
ejif-9019	231	8	correlation	correlation	NOUN
ejif-9019	231	9	between	between	ADP
ejif-9019	231	10	income	income	NOUN
ejif-9019	231	11	level	level	NOUN
ejif-9019	231	12	and	and	CCONJ
ejif-9019	231	13	ifi	ifi	PROPN
ejif-9019	231	14	.	.	PROPN
ejif-9019	231	15	table	table	PROPN
ejif-9019	231	16	3	3	NUM
ejif-9019	231	17	.	.	X
ejif-9019	231	18	overall	overall	ADJ
ejif-9019	231	19	islamic	islamic	ADJ
ejif-9019	231	20	financial	financial	ADJ
ejif-9019	231	21	inclusion	inclusion	NOUN
ejif-9019	231	22	test	test	NOUN
ejif-9019	231	23	score	score	NOUN
ejif-9019	231	24	islamic	islamic	PROPN
ejif-9019	231	25	financial	financial	ADJ
ejif-9019	231	26	inclusion	inclusion	NOUN
ejif-9019	231	27	item	item	NOUN
ejif-9019	231	28	total	total	NOUN
ejif-9019	231	29	score	score	NOUN
ejif-9019	231	30	mean	mean	VERB
ejif-9019	231	31	percentage	percentage	NOUN
ejif-9019	231	32	standard	standard	ADJ
ejif-9019	231	33	deviation	deviation	NOUN
ejif-9019	231	34	islamic	islamic	ADJ
ejif-9019	231	35	financial	financial	ADJ
ejif-9019	231	36	access	access	NOUN
ejif-9019	231	37	5	5	NUM
ejif-9019	231	38	0.86	0.86	NUM
ejif-9019	231	39	17.2	17.2	NUM
ejif-9019	231	40	1.26	1.26	NUM
ejif-9019	231	41	islamic	islamic	ADJ
ejif-9019	231	42	financial	financial	ADJ
ejif-9019	231	43	usage	usage	NOUN
ejif-9019	231	44	2	2	NUM
ejif-9019	231	45	0.41	0.41	NUM
ejif-9019	231	46	20.5	20.5	NUM
ejif-9019	231	47	0.69	0.69	NUM
ejif-9019	231	48	level	level	NOUN
ejif-9019	231	49	of	of	ADP
ejif-9019	231	50	islamic	islamic	ADJ
ejif-9019	231	51	financial	financial	ADJ
ejif-9019	231	52	inclusion	inclusion	NOUN
ejif-9019	231	53	7	7	NUM
ejif-9019	231	54	1.27	1.27	NUM
ejif-9019	231	55	18.1	18.1	NUM
ejif-9019	231	56	1.83	1.83	NUM
ejif-9019	231	57	source	source	NOUN
ejif-9019	231	58	:	:	PUNCT
ejif-9019	231	59	authors	author	NOUN
ejif-9019	231	60	’	'	PUNCT
ejif-9019	231	61	elaboration	elaboration	VERB
ejif-9019	231	62	the	the	DET
ejif-9019	231	63	figure	figure	NOUN
ejif-9019	231	64	below	below	ADV
ejif-9019	231	65	illustrates	illustrate	VERB
ejif-9019	231	66	that	that	SCONJ
ejif-9019	231	67	the	the	DET
ejif-9019	231	68	most	most	ADV
ejif-9019	231	69	reported	report	VERB
ejif-9019	231	70	barrier	barrier	NOUN
ejif-9019	231	71	that	that	PRON
ejif-9019	231	72	could	could	AUX
ejif-9019	231	73	prevent	prevent	VERB
ejif-9019	231	74	the	the	DET
ejif-9019	231	75	sample	sample	NOUN
ejif-9019	231	76	in	in	ADP
ejif-9019	231	77	the	the	DET
ejif-9019	231	78	area	area	NOUN
ejif-9019	231	79	from	from	ADP
ejif-9019	231	80	using	use	VERB
ejif-9019	231	81	islamic	islamic	ADJ
ejif-9019	231	82	financial	financial	ADJ
ejif-9019	231	83	products	product	NOUN
ejif-9019	231	84	and	and	CCONJ
ejif-9019	231	85	services	service	NOUN
ejif-9019	231	86	is	be	AUX
ejif-9019	231	87	not	not	PART
ejif-9019	231	88	enough	enough	ADJ
ejif-9019	231	89	money	money	NOUN
ejif-9019	231	90	.	.	PUNCT
ejif-9019	232	1	this	this	DET
ejif-9019	232	2	barrier	barrier	NOUN
ejif-9019	232	3	was	be	AUX
ejif-9019	232	4	cited	cite	VERB
ejif-9019	232	5	by	by	ADP
ejif-9019	232	6	one	one	NUM
ejif-9019	232	7	-	-	PUNCT
ejif-9019	232	8	third	third	NOUN
ejif-9019	232	9	of	of	ADP
ejif-9019	232	10	respondents	respondent	NOUN
ejif-9019	232	11	,	,	PUNCT
ejif-9019	232	12	and	and	CCONJ
ejif-9019	232	13	18	18	NUM
ejif-9019	232	14	percent	percent	NOUN
ejif-9019	232	15	cited	cite	VERB
ejif-9019	232	16	it	it	PRON
ejif-9019	232	17	as	as	ADP
ejif-9019	232	18	the	the	DET
ejif-9019	232	19	only	only	ADJ
ejif-9019	232	20	reason	reason	NOUN
ejif-9019	232	21	.	.	PUNCT
ejif-9019	233	1	the	the	DET
ejif-9019	233	2	second	second	ADJ
ejif-9019	233	3	most	most	ADV
ejif-9019	233	4	perceived	perceive	VERB
ejif-9019	233	5	barrier	barrier	NOUN
ejif-9019	233	6	is	be	AUX
ejif-9019	233	7	a	a	DET
ejif-9019	233	8	lack	lack	NOUN
ejif-9019	233	9	of	of	ADP
ejif-9019	233	10	trust	trust	NOUN
ejif-9019	233	11	in	in	ADP
ejif-9019	233	12	a	a	DET
ejif-9019	233	13	financial	financial	ADJ
ejif-9019	233	14	institution	institution	NOUN
ejif-9019	233	15	,	,	PUNCT
ejif-9019	233	16	which	which	PRON
ejif-9019	233	17	was	be	AUX
ejif-9019	233	18	given	give	VERB
ejif-9019	233	19	by	by	ADP
ejif-9019	233	20	31.0	31.0	NUM
ejif-9019	233	21	percent	percent	NOUN
ejif-9019	233	22	of	of	ADP
ejif-9019	233	23	respondents	respondent	NOUN
ejif-9019	233	24	.	.	PUNCT
ejif-9019	234	1	the	the	DET
ejif-9019	234	2	third	third	ADJ
ejif-9019	234	3	most	most	ADV
ejif-9019	234	4	common	common	ADJ
ejif-9019	234	5	reason	reason	NOUN
ejif-9019	234	6	cited	cite	VERB
ejif-9019	234	7	by	by	ADP
ejif-9019	234	8	30.3	30.3	NUM
ejif-9019	234	9	percent	percent	NOUN
ejif-9019	234	10	of	of	ADP
ejif-9019	234	11	respondents	respondent	NOUN
ejif-9019	234	12	is	be	AUX
ejif-9019	234	13	that	that	SCONJ
ejif-9019	234	14	a	a	DET
ejif-9019	234	15	financial	financial	ADJ
ejif-9019	234	16	institution	institution	NOUN
ejif-9019	234	17	is	be	AUX
ejif-9019	234	18	too	too	ADV
ejif-9019	234	19	far	far	ADV
ejif-9019	234	20	away	away	ADV
ejif-9019	234	21	.	.	PUNCT
ejif-9019	235	1	the	the	DET
ejif-9019	235	2	most	most	ADV
ejif-9019	235	3	widely	widely	ADV
ejif-9019	235	4	cited	cite	VERB
ejif-9019	235	5	barriers	barrier	NOUN
ejif-9019	235	6	are	be	AUX
ejif-9019	235	7	a	a	DET
ejif-9019	235	8	lack	lack	NOUN
ejif-9019	235	9	of	of	ADP
ejif-9019	235	10	necessary	necessary	ADJ
ejif-9019	235	11	documentation	documentation	NOUN
ejif-9019	235	12	and	and	CCONJ
ejif-9019	235	13	family	family	NOUN
ejif-9019	235	14	members	member	NOUN
ejif-9019	235	15	already	already	ADV
ejif-9019	235	16	have	have	VERB
ejif-9019	235	17	an	an	DET
ejif-9019	235	18	account	account	NOUN
ejif-9019	235	19	.	.	PUNCT
ejif-9019	236	1	each	each	PRON
ejif-9019	236	2	of	of	ADP
ejif-9019	236	3	these	these	PRON
ejif-9019	236	4	was	be	AUX
ejif-9019	236	5	mentioned	mention	VERB
ejif-9019	236	6	by	by	ADP
ejif-9019	236	7	22.3	22.3	NUM
ejif-9019	236	8	percent	percent	NOUN
ejif-9019	236	9	and	and	CCONJ
ejif-9019	236	10	19.5	19.5	NUM
ejif-9019	236	11	percent	percent	NOUN
ejif-9019	236	12	of	of	ADP
ejif-9019	236	13	respondents	respondent	NOUN
ejif-9019	236	14	.	.	PUNCT
ejif-9019	237	1	lastly	lastly	ADV
ejif-9019	237	2	,	,	PUNCT
ejif-9019	237	3	14.5	14.5	NUM
ejif-9019	237	4	percent	percent	NOUN
ejif-9019	237	5	of	of	ADP
ejif-9019	237	6	respondents	respondent	NOUN
ejif-9019	237	7	equally	equally	ADV
ejif-9019	237	8	cited	cite	VERB
ejif-9019	237	9	religious	religious	ADJ
ejif-9019	237	10	reasons	reason	NOUN
ejif-9019	237	11	and	and	CCONJ
ejif-9019	237	12	too	too	ADV
ejif-9019	237	13	expensive	expensive	ADJ
ejif-9019	237	14	as	as	ADP
ejif-9019	237	15	reasons	reason	NOUN
ejif-9019	237	16	why	why	SCONJ
ejif-9019	237	17	they	they	PRON
ejif-9019	237	18	could	could	AUX
ejif-9019	237	19	not	not	PART
ejif-9019	237	20	use	use	VERB
ejif-9019	237	21	islamic	islamic	ADJ
ejif-9019	237	22	financial	financial	ADJ
ejif-9019	237	23	products	product	NOUN
ejif-9019	237	24	and	and	CCONJ
ejif-9019	237	25	services	service	NOUN
ejif-9019	237	26	.	.	PUNCT
ejif-9019	238	1	figure	figure	NOUN
ejif-9019	238	2	2	2	NUM
ejif-9019	238	3	.	.	PUNCT
ejif-9019	238	4	self	self	NOUN
ejif-9019	238	5	-	-	PUNCT
ejif-9019	238	6	reported	report	VERB
ejif-9019	238	7	barriers	barrier	NOUN
ejif-9019	238	8	to	to	ADP
ejif-9019	238	9	islamic	islamic	ADJ
ejif-9019	238	10	financial	financial	ADJ
ejif-9019	238	11	inclusion	inclusion	PROPN
ejif-9019	238	12	source	source	NOUN
ejif-9019	238	13	:	:	PUNCT
ejif-9019	238	14	authors	author	NOUN
ejif-9019	238	15	’	'	PUNCT
ejif-9019	238	16	elaboration	elaboration	NOUN
ejif-9019	238	17	33,3	33,3	NUM
ejif-9019	238	18	%	%	NOUN
ejif-9019	238	19	14,5	14,5	NUM
ejif-9019	238	20	%	%	NOUN
ejif-9019	238	21	19,5	19,5	NUM
ejif-9019	238	22	%	%	NOUN
ejif-9019	238	23	30,3	30,3	NUM
ejif-9019	238	24	%	%	NOUN
ejif-9019	238	25	22,3	22,3	NUM
ejif-9019	238	26	%	%	NOUN
ejif-9019	238	27	31,0	31,0	NUM
ejif-9019	238	28	%	%	NOUN
ejif-9019	238	29	14,5	14,5	NUM
ejif-9019	238	30	%	%	NOUN
ejif-9019	238	31	0	0	NUM
ejif-9019	238	32	%	%	NOUN
ejif-9019	238	33	5	5	NUM
ejif-9019	238	34	%	%	NOUN
ejif-9019	238	35	10	10	NUM
ejif-9019	238	36	%	%	NOUN
ejif-9019	238	37	15	15	NUM
ejif-9019	238	38	%	%	NOUN
ejif-9019	238	39	20	20	NUM
ejif-9019	238	40	%	%	NOUN
ejif-9019	238	41	25	25	NUM
ejif-9019	238	42	%	%	NOUN
ejif-9019	238	43	30	30	NUM
ejif-9019	238	44	%	%	NOUN
ejif-9019	238	45	35	35	NUM
ejif-9019	238	46	%	%	NOUN
ejif-9019	238	47	not	not	PART
ejif-9019	238	48	enough	enough	ADJ
ejif-9019	238	49	money	money	NOUN
ejif-9019	238	50	too	too	ADV
ejif-9019	238	51	expensive	expensive	ADJ
ejif-9019	238	52	family	family	NOUN
ejif-9019	238	53	member	member	NOUN
ejif-9019	238	54	already	already	ADV
ejif-9019	238	55	has	have	VERB
ejif-9019	238	56	an	an	DET
ejif-9019	238	57	account	account	NOUN
ejif-9019	238	58	a	a	DET
ejif-9019	238	59	financial	financial	ADJ
ejif-9019	238	60	institution	institution	NOUN
ejif-9019	238	61	is	be	AUX
ejif-9019	238	62	too	too	ADV
ejif-9019	238	63	far	far	ADV
ejif-9019	238	64	away	away	ADV
ejif-9019	238	65	lack	lack	NOUN
ejif-9019	238	66	of	of	ADP
ejif-9019	238	67	necessary	necessary	ADJ
ejif-9019	238	68	documentation	documentation	NOUN
ejif-9019	238	69	lack	lack	NOUN
ejif-9019	238	70	of	of	ADP
ejif-9019	238	71	trust	trust	NOUN
ejif-9019	238	72	in	in	ADP
ejif-9019	238	73	a	a	DET
ejif-9019	238	74	financial	financial	ADJ
ejif-9019	238	75	institution	institution	NOUN
ejif-9019	238	76	religious	religious	ADJ
ejif-9019	238	77	reasons	reason	NOUN
ejif-9019	238	78	european	european	PROPN
ejif-9019	238	79	journal	journal	PROPN
ejif-9019	238	80	of	of	ADP
ejif-9019	238	81	islamic	islamic	PROPN
ejif-9019	238	82	finance	finance	PROPN
ejif-9019	238	83	issn	issn	PROPN
ejif-9019	238	84	:	:	PUNCT
ejif-9019	238	85	2421	2421	NUM
ejif-9019	238	86	-	-	SYM
ejif-9019	238	87	2172	2172	NUM
ejif-9019	238	88	doi	doi	NOUN
ejif-9019	238	89	:	:	PUNCT
ejif-9019	238	90	10.13135/2421	10.13135/2421	NUM
ejif-9019	238	91	-	-	SYM
ejif-9019	238	92	2172/9019	2172/9019	NUM
ejif-9019	238	93	published	publish	VERB
ejif-9019	238	94	by	by	ADP
ejif-9019	238	95	university	university	PROPN
ejif-9019	238	96	of	of	ADP
ejif-9019	238	97	turin	turin	PROPN
ejif-9019	239	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	239	2	ejif	ejif	PROPN
ejif-9019	239	3	content	content	NOUN
ejif-9019	239	4	is	be	AUX
ejif-9019	239	5	licensed	license	VERB
ejif-9019	239	6	under	under	ADP
ejif-9019	239	7	a	a	DET
ejif-9019	239	8	creative	creative	ADJ
ejif-9019	239	9	commons	common	NOUN
ejif-9019	239	10	attribution	attribution	NOUN
ejif-9019	239	11	4.0	4.0	NUM
ejif-9019	239	12	international	international	ADJ
ejif-9019	239	13	license	license	NOUN
ejif-9019	239	14	12	12	NUM
ejif-9019	239	15	4.2	4.2	NUM
ejif-9019	239	16	exploring	explore	VERB
ejif-9019	239	17	islamic	islamic	ADJ
ejif-9019	239	18	financial	financial	ADJ
ejif-9019	239	19	literacy	literacy	NOUN
ejif-9019	239	20	and	and	CCONJ
ejif-9019	239	21	islamic	islamic	ADJ
ejif-9019	239	22	financial	financial	ADJ
ejif-9019	239	23	inclusion	inclusion	NOUN
ejif-9019	239	24	in	in	ADP
ejif-9019	239	25	the	the	DET
ejif-9019	239	26	islamic	islamic	ADJ
ejif-9019	239	27	financial	financial	ADV
ejif-9019	239	28	-	-	PUNCT
ejif-9019	239	29	related	relate	VERB
ejif-9019	239	30	organisations	organisation	NOUN
ejif-9019	239	31	in	in	ADP
ejif-9019	239	32	the	the	DET
ejif-9019	239	33	five	five	NUM
ejif-9019	239	34	southernmost	southernmost	NOUN
ejif-9019	239	35	provinces	province	NOUN
ejif-9019	239	36	of	of	ADP
ejif-9019	239	37	thailand	thailand	PROPN
ejif-9019	239	38	this	this	DET
ejif-9019	239	39	section	section	NOUN
ejif-9019	239	40	presents	present	VERB
ejif-9019	239	41	the	the	DET
ejif-9019	239	42	analysis	analysis	NOUN
ejif-9019	239	43	of	of	ADP
ejif-9019	239	44	qualitative	qualitative	ADJ
ejif-9019	239	45	data	datum	NOUN
ejif-9019	239	46	obtained	obtain	VERB
ejif-9019	239	47	from	from	ADP
ejif-9019	239	48	semi	semi	ADJ
ejif-9019	239	49	-	-	ADJ
ejif-9019	239	50	structured	structured	ADJ
ejif-9019	239	51	interviews	interview	NOUN
ejif-9019	239	52	with	with	ADP
ejif-9019	239	53	informants	informant	NOUN
ejif-9019	239	54	who	who	PRON
ejif-9019	239	55	work	work	VERB
ejif-9019	239	56	at	at	ADP
ejif-9019	239	57	islamic	islamic	ADJ
ejif-9019	239	58	financial	financial	ADJ
ejif-9019	239	59	-	-	PUNCT
ejif-9019	239	60	related	relate	VERB
ejif-9019	239	61	organisations	organisation	NOUN
ejif-9019	239	62	in	in	ADP
ejif-9019	239	63	thailand	thailand	PROPN
ejif-9019	239	64	's	's	PART
ejif-9019	239	65	deep	deep	ADJ
ejif-9019	239	66	south	south	ADJ
ejif-9019	239	67	provinces	province	NOUN
ejif-9019	239	68	.	.	PUNCT
ejif-9019	240	1	the	the	DET
ejif-9019	240	2	first	first	ADJ
ejif-9019	240	3	theme	theme	NOUN
ejif-9019	240	4	discusses	discuss	VERB
ejif-9019	240	5	the	the	DET
ejif-9019	240	6	region	region	NOUN
ejif-9019	240	7	's	's	PART
ejif-9019	240	8	activities	activity	NOUN
ejif-9019	240	9	relating	relate	VERB
ejif-9019	240	10	to	to	ADP
ejif-9019	240	11	ifl	ifl	PROPN
ejif-9019	240	12	and	and	CCONJ
ejif-9019	240	13	ifi	ifi	PROPN
ejif-9019	240	14	.	.	PUNCT
ejif-9019	241	1	the	the	DET
ejif-9019	241	2	interviewees	interviewee	NOUN
ejif-9019	241	3	stated	state	VERB
ejif-9019	241	4	that	that	SCONJ
ejif-9019	241	5	their	their	PRON
ejif-9019	241	6	institutions	institution	NOUN
ejif-9019	241	7	have	have	AUX
ejif-9019	241	8	sent	send	VERB
ejif-9019	241	9	staff	staff	NOUN
ejif-9019	241	10	to	to	ADP
ejif-9019	241	11	mosques	mosque	NOUN
ejif-9019	241	12	and	and	CCONJ
ejif-9019	241	13	islamic	islamic	ADJ
ejif-9019	241	14	schools	school	NOUN
ejif-9019	241	15	to	to	PART
ejif-9019	241	16	spread	spread	VERB
ejif-9019	241	17	knowledge	knowledge	NOUN
ejif-9019	241	18	about	about	ADP
ejif-9019	241	19	islamic	islamic	ADJ
ejif-9019	241	20	financial	financial	ADJ
ejif-9019	241	21	products	product	NOUN
ejif-9019	241	22	.	.	PUNCT
ejif-9019	242	1	furthermore	furthermore	ADV
ejif-9019	242	2	,	,	PUNCT
ejif-9019	242	3	the	the	DET
ejif-9019	242	4	data	datum	NOUN
ejif-9019	242	5	collected	collect	VERB
ejif-9019	242	6	reveals	reveal	VERB
ejif-9019	242	7	that	that	SCONJ
ejif-9019	242	8	ibank	ibank	PROPN
ejif-9019	242	9	,	,	PUNCT
ejif-9019	242	10	through	through	ADP
ejif-9019	242	11	its	its	PRON
ejif-9019	242	12	socioeconomic	socioeconomic	ADJ
ejif-9019	242	13	development	development	NOUN
ejif-9019	242	14	in	in	ADP
ejif-9019	242	15	five	five	NUM
ejif-9019	242	16	southern	southern	ADJ
ejif-9019	242	17	provinces	province	NOUN
ejif-9019	242	18	department	department	NOUN
ejif-9019	242	19	,	,	PUNCT
ejif-9019	242	20	runs	run	VERB
ejif-9019	242	21	programs	program	NOUN
ejif-9019	242	22	to	to	PART
ejif-9019	242	23	disseminate	disseminate	VERB
ejif-9019	242	24	information	information	NOUN
ejif-9019	242	25	about	about	ADP
ejif-9019	242	26	islamic	islamic	ADJ
ejif-9019	242	27	finance	finance	NOUN
ejif-9019	242	28	products	product	NOUN
ejif-9019	242	29	to	to	ADP
ejif-9019	242	30	grassroots	grassroots	ADJ
ejif-9019	242	31	populations	population	NOUN
ejif-9019	242	32	and	and	CCONJ
ejif-9019	242	33	community	community	NOUN
ejif-9019	242	34	enterprise	enterprise	NOUN
ejif-9019	242	35	groups	group	NOUN
ejif-9019	242	36	.	.	PUNCT
ejif-9019	243	1	as	as	ADP
ejif-9019	243	2	for	for	ADP
ejif-9019	243	3	islamic	islamic	ADJ
ejif-9019	243	4	cooperatives	cooperative	NOUN
ejif-9019	243	5	,	,	PUNCT
ejif-9019	243	6	it	it	PRON
ejif-9019	243	7	was	be	AUX
ejif-9019	243	8	found	find	VERB
ejif-9019	243	9	that	that	SCONJ
ejif-9019	243	10	after	after	SCONJ
ejif-9019	243	11	individuals	individual	NOUN
ejif-9019	243	12	apply	apply	VERB
ejif-9019	243	13	to	to	PART
ejif-9019	243	14	become	become	VERB
ejif-9019	243	15	members	member	NOUN
ejif-9019	243	16	,	,	PUNCT
ejif-9019	243	17	they	they	PRON
ejif-9019	243	18	will	will	AUX
ejif-9019	243	19	be	be	AUX
ejif-9019	243	20	provided	provide	VERB
ejif-9019	243	21	with	with	ADP
ejif-9019	243	22	an	an	DET
ejif-9019	243	23	intensive	intensive	ADJ
ejif-9019	243	24	islamic	islamic	ADJ
ejif-9019	243	25	cooperative	cooperative	ADJ
ejif-9019	243	26	program	program	NOUN
ejif-9019	243	27	.	.	PUNCT
ejif-9019	244	1	according	accord	VERB
ejif-9019	244	2	to	to	ADP
ejif-9019	244	3	one	one	NUM
ejif-9019	244	4	interviewee	interviewee	NOUN
ejif-9019	244	5	,	,	PUNCT
ejif-9019	244	6	the	the	DET
ejif-9019	244	7	program	program	NOUN
ejif-9019	244	8	was	be	AUX
ejif-9019	244	9	designed	design	VERB
ejif-9019	244	10	to	to	PART
ejif-9019	244	11	instruct	instruct	VERB
ejif-9019	244	12	the	the	DET
ejif-9019	244	13	members	member	NOUN
ejif-9019	244	14	about	about	ADP
ejif-9019	244	15	regulations	regulation	NOUN
ejif-9019	244	16	,	,	PUNCT
ejif-9019	244	17	the	the	DET
ejif-9019	244	18	benefits	benefit	NOUN
ejif-9019	244	19	of	of	ADP
ejif-9019	244	20	membership	membership	NOUN
ejif-9019	244	21	,	,	PUNCT
ejif-9019	244	22	and	and	CCONJ
ejif-9019	244	23	islamic	islamic	ADJ
ejif-9019	244	24	financial	financial	ADJ
ejif-9019	244	25	services	service	NOUN
ejif-9019	244	26	.	.	PUNCT
ejif-9019	245	1	the	the	DET
ejif-9019	245	2	data	datum	NOUN
ejif-9019	245	3	from	from	ADP
ejif-9019	245	4	the	the	DET
ejif-9019	245	5	islamic	islamic	PROPN
ejif-9019	245	6	council	council	PROPN
ejif-9019	245	7	of	of	ADP
ejif-9019	245	8	the	the	DET
ejif-9019	245	9	province	province	NOUN
ejif-9019	245	10	reveals	reveal	VERB
ejif-9019	245	11	that	that	SCONJ
ejif-9019	245	12	they	they	PRON
ejif-9019	245	13	have	have	AUX
ejif-9019	245	14	been	be	AUX
ejif-9019	245	15	providing	provide	VERB
ejif-9019	245	16	services	service	NOUN
ejif-9019	245	17	to	to	PART
ejif-9019	245	18	settle	settle	VERB
ejif-9019	245	19	disputes	dispute	NOUN
ejif-9019	245	20	arising	arise	VERB
ejif-9019	245	21	from	from	ADP
ejif-9019	245	22	property	property	NOUN
ejif-9019	245	23	issues	issue	NOUN
ejif-9019	245	24	among	among	ADP
ejif-9019	245	25	muslims	muslim	NOUN
ejif-9019	245	26	.	.	PUNCT
ejif-9019	246	1	on	on	ADP
ejif-9019	246	2	the	the	DET
ejif-9019	246	3	university	university	NOUN
ejif-9019	246	4	side	side	NOUN
ejif-9019	246	5	,	,	PUNCT
ejif-9019	246	6	the	the	DET
ejif-9019	246	7	data	datum	NOUN
ejif-9019	246	8	shows	show	VERB
ejif-9019	246	9	that	that	SCONJ
ejif-9019	246	10	prince	prince	NOUN
ejif-9019	246	11	of	of	ADP
ejif-9019	246	12	songkhla	songkhla	PROPN
ejif-9019	246	13	university	university	PROPN
ejif-9019	246	14	and	and	CCONJ
ejif-9019	246	15	fatoni	fatoni	PROPN
ejif-9019	246	16	university	university	PROPN
ejif-9019	246	17	have	have	VERB
ejif-9019	246	18	faculties	faculty	NOUN
ejif-9019	246	19	that	that	PRON
ejif-9019	246	20	offer	offer	VERB
ejif-9019	246	21	bachelor	bachelor	NOUN
ejif-9019	246	22	's	's	PART
ejif-9019	246	23	programs	program	NOUN
ejif-9019	246	24	in	in	ADP
ejif-9019	246	25	islamic	islamic	ADJ
ejif-9019	246	26	finance	finance	NOUN
ejif-9019	246	27	studies	study	NOUN
ejif-9019	246	28	.	.	PUNCT
ejif-9019	247	1	moreover	moreover	ADV
ejif-9019	247	2	,	,	PUNCT
ejif-9019	247	3	based	base	VERB
ejif-9019	247	4	on	on	ADP
ejif-9019	247	5	the	the	DET
ejif-9019	247	6	information	information	NOUN
ejif-9019	247	7	obtained	obtain	VERB
ejif-9019	247	8	,	,	PUNCT
ejif-9019	247	9	islamic	islamic	ADJ
ejif-9019	247	10	financial	financial	ADJ
ejif-9019	247	11	-	-	PUNCT
ejif-9019	247	12	related	relate	VERB
ejif-9019	247	13	organisations	organisation	NOUN
ejif-9019	247	14	also	also	ADV
ejif-9019	247	15	post	post	VERB
ejif-9019	247	16	content	content	NOUN
ejif-9019	247	17	and	and	CCONJ
ejif-9019	247	18	conduct	conduct	VERB
ejif-9019	247	19	live	live	ADJ
ejif-9019	247	20	streams	stream	NOUN
ejif-9019	247	21	about	about	ADP
ejif-9019	247	22	islamic	islamic	ADJ
ejif-9019	247	23	finance	finance	NOUN
ejif-9019	247	24	on	on	ADP
ejif-9019	247	25	their	their	PRON
ejif-9019	247	26	websites	website	NOUN
ejif-9019	247	27	and	and	CCONJ
ejif-9019	247	28	social	social	ADJ
ejif-9019	247	29	media	medium	NOUN
ejif-9019	247	30	platforms	platform	NOUN
ejif-9019	247	31	.	.	PUNCT
ejif-9019	248	1	in	in	ADP
ejif-9019	248	2	addition	addition	NOUN
ejif-9019	248	3	,	,	PUNCT
ejif-9019	248	4	these	these	DET
ejif-9019	248	5	organisations	organisation	NOUN
ejif-9019	248	6	have	have	AUX
ejif-9019	248	7	collaborated	collaborate	VERB
ejif-9019	248	8	in	in	ADP
ejif-9019	248	9	activities	activity	NOUN
ejif-9019	248	10	relating	relate	VERB
ejif-9019	248	11	to	to	ADP
ejif-9019	248	12	ifl	ifl	PROPN
ejif-9019	248	13	.	.	PUNCT
ejif-9019	249	1	for	for	ADP
ejif-9019	249	2	example	example	NOUN
ejif-9019	249	3	,	,	PUNCT
ejif-9019	249	4	staff	staff	NOUN
ejif-9019	249	5	from	from	ADP
ejif-9019	249	6	islamic	islamic	ADJ
ejif-9019	249	7	financial	financial	ADJ
ejif-9019	249	8	institutions	institution	NOUN
ejif-9019	249	9	were	be	AUX
ejif-9019	249	10	invited	invite	VERB
ejif-9019	249	11	to	to	PART
ejif-9019	249	12	deliver	deliver	VERB
ejif-9019	249	13	islamic	islamic	ADJ
ejif-9019	249	14	financial	financial	ADJ
ejif-9019	249	15	talks	talk	NOUN
ejif-9019	249	16	at	at	ADP
ejif-9019	249	17	local	local	ADJ
ejif-9019	249	18	universities	university	NOUN
ejif-9019	249	19	.	.	PUNCT
ejif-9019	250	1	in	in	ADP
ejif-9019	250	2	another	another	DET
ejif-9019	250	3	example	example	NOUN
ejif-9019	250	4	,	,	PUNCT
ejif-9019	250	5	students	student	NOUN
ejif-9019	250	6	from	from	ADP
ejif-9019	250	7	the	the	DET
ejif-9019	250	8	islamic	islamic	PROPN
ejif-9019	250	9	finance	finance	PROPN
ejif-9019	250	10	studies	study	NOUN
ejif-9019	250	11	program	program	NOUN
ejif-9019	250	12	were	be	AUX
ejif-9019	250	13	sent	send	VERB
ejif-9019	250	14	for	for	ADP
ejif-9019	250	15	internships	internship	NOUN
ejif-9019	250	16	at	at	ADP
ejif-9019	250	17	ibank	ibank	PROPN
ejif-9019	250	18	,	,	PUNCT
ejif-9019	250	19	takaful	takaful	ADJ
ejif-9019	250	20	companies	company	NOUN
ejif-9019	250	21	,	,	PUNCT
ejif-9019	250	22	and	and	CCONJ
ejif-9019	250	23	islamic	islamic	ADJ
ejif-9019	250	24	cooperatives	cooperative	NOUN
ejif-9019	250	25	.	.	PUNCT
ejif-9019	251	1	regarding	regard	VERB
ejif-9019	251	2	ifi	ifi	PROPN
ejif-9019	251	3	,	,	PUNCT
ejif-9019	251	4	the	the	DET
ejif-9019	251	5	data	datum	NOUN
ejif-9019	251	6	obtained	obtain	VERB
ejif-9019	251	7	shows	show	VERB
ejif-9019	251	8	that	that	SCONJ
ejif-9019	251	9	local	local	ADJ
ejif-9019	251	10	advertising	advertising	NOUN
ejif-9019	251	11	,	,	PUNCT
ejif-9019	251	12	such	such	ADJ
ejif-9019	251	13	as	as	ADP
ejif-9019	251	14	radio	radio	NOUN
ejif-9019	251	15	and	and	CCONJ
ejif-9019	251	16	billboards	billboard	NOUN
ejif-9019	251	17	,	,	PUNCT
ejif-9019	251	18	were	be	AUX
ejif-9019	251	19	the	the	DET
ejif-9019	251	20	primary	primary	ADJ
ejif-9019	251	21	methods	method	NOUN
ejif-9019	251	22	that	that	PRON
ejif-9019	251	23	islamic	islamic	ADJ
ejif-9019	251	24	financial	financial	ADJ
ejif-9019	251	25	-	-	PUNCT
ejif-9019	251	26	related	relate	VERB
ejif-9019	251	27	organisations	organisation	NOUN
ejif-9019	251	28	used	use	VERB
ejif-9019	251	29	to	to	PART
ejif-9019	251	30	promote	promote	VERB
ejif-9019	251	31	their	their	PRON
ejif-9019	251	32	financial	financial	ADJ
ejif-9019	251	33	products	product	NOUN
ejif-9019	251	34	in	in	ADP
ejif-9019	251	35	the	the	DET
ejif-9019	251	36	region	region	NOUN
ejif-9019	251	37	.	.	PUNCT
ejif-9019	252	1	they	they	PRON
ejif-9019	252	2	also	also	ADV
ejif-9019	252	3	participated	participate	VERB
ejif-9019	252	4	in	in	ADP
ejif-9019	252	5	booth	booth	NOUN
ejif-9019	252	6	exhibitions	exhibition	NOUN
ejif-9019	252	7	at	at	ADP
ejif-9019	252	8	shopping	shopping	NOUN
ejif-9019	252	9	malls	mall	NOUN
ejif-9019	252	10	,	,	PUNCT
ejif-9019	252	11	mosques	mosque	NOUN
ejif-9019	252	12	,	,	PUNCT
ejif-9019	252	13	islamic	islamic	ADJ
ejif-9019	252	14	schools	school	NOUN
ejif-9019	252	15	,	,	PUNCT
ejif-9019	252	16	and	and	CCONJ
ejif-9019	252	17	islamic	islamic	ADJ
ejif-9019	252	18	events	event	NOUN
ejif-9019	252	19	.	.	PUNCT
ejif-9019	253	1	it	it	PRON
ejif-9019	253	2	was	be	AUX
ejif-9019	253	3	also	also	ADV
ejif-9019	253	4	discovered	discover	VERB
ejif-9019	253	5	that	that	SCONJ
ejif-9019	253	6	employees	employee	NOUN
ejif-9019	253	7	had	have	AUX
ejif-9019	253	8	assisted	assist	VERB
ejif-9019	253	9	their	their	PRON
ejif-9019	253	10	organisations	organisation	NOUN
ejif-9019	253	11	by	by	ADP
ejif-9019	253	12	posting	post	VERB
ejif-9019	253	13	details	detail	NOUN
ejif-9019	253	14	about	about	ADP
ejif-9019	253	15	the	the	DET
ejif-9019	253	16	services	service	NOUN
ejif-9019	253	17	and	and	CCONJ
ejif-9019	253	18	contact	contact	NOUN
ejif-9019	253	19	information	information	NOUN
ejif-9019	253	20	on	on	ADP
ejif-9019	253	21	their	their	PRON
ejif-9019	253	22	personal	personal	ADJ
ejif-9019	253	23	facebook	facebook	NOUN
ejif-9019	253	24	,	,	PUNCT
ejif-9019	253	25	instagram	instagram	PROPN
ejif-9019	253	26	,	,	PUNCT
ejif-9019	253	27	and	and	CCONJ
ejif-9019	253	28	line	line	NOUN
ejif-9019	253	29	accounts	account	NOUN
ejif-9019	253	30	.	.	PUNCT
ejif-9019	254	1	when	when	SCONJ
ejif-9019	254	2	examining	examine	VERB
ejif-9019	254	3	each	each	DET
ejif-9019	254	4	type	type	NOUN
ejif-9019	254	5	of	of	ADP
ejif-9019	254	6	organisation	organisation	NOUN
ejif-9019	254	7	,	,	PUNCT
ejif-9019	254	8	it	it	PRON
ejif-9019	254	9	was	be	AUX
ejif-9019	254	10	revealed	reveal	VERB
ejif-9019	254	11	that	that	SCONJ
ejif-9019	254	12	islamic	islamic	ADJ
ejif-9019	254	13	banks	bank	NOUN
ejif-9019	254	14	engaged	engage	VERB
ejif-9019	254	15	in	in	ADP
ejif-9019	254	16	activities	activity	NOUN
ejif-9019	254	17	targeting	target	VERB
ejif-9019	254	18	specific	specific	ADJ
ejif-9019	254	19	population	population	NOUN
ejif-9019	254	20	groups	group	NOUN
ejif-9019	254	21	.	.	PUNCT
ejif-9019	255	1	these	these	DET
ejif-9019	255	2	activities	activity	NOUN
ejif-9019	255	3	are	be	AUX
ejif-9019	255	4	presented	present	VERB
ejif-9019	255	5	below	below	ADP
ejif-9019	255	6	:	:	PUNCT
ejif-9019	255	7	(	(	PUNCT
ejif-9019	255	8	i	i	NOUN
ejif-9019	255	9	)	)	PUNCT
ejif-9019	255	10	to	to	PART
ejif-9019	255	11	raise	raise	VERB
ejif-9019	255	12	deposits	deposit	NOUN
ejif-9019	255	13	,	,	PUNCT
ejif-9019	255	14	ibank	ibank	PROPN
ejif-9019	255	15	and	and	CCONJ
ejif-9019	255	16	baac	baac	PROPN
ejif-9019	255	17	islamic	islamic	PROPN
ejif-9019	255	18	banking	banking	PROPN
ejif-9019	255	19	fund	fund	NOUN
ejif-9019	255	20	launched	launch	VERB
ejif-9019	255	21	savings	saving	NOUN
ejif-9019	255	22	products	product	NOUN
ejif-9019	255	23	for	for	ADP
ejif-9019	255	24	hajj	hajj	PROPN
ejif-9019	255	25	.	.	PUNCT
ejif-9019	256	1	(	(	PUNCT
ejif-9019	256	2	ii	ii	X
ejif-9019	256	3	)	)	PUNCT
ejif-9019	256	4	ibank	ibank	PROPN
ejif-9019	256	5	has	have	AUX
ejif-9019	256	6	signed	sign	VERB
ejif-9019	256	7	a	a	DET
ejif-9019	256	8	“	"	PUNCT
ejif-9019	256	9	memorandum	memorandum	NOUN
ejif-9019	256	10	of	of	ADP
ejif-9019	256	11	understanding	understanding	NOUN
ejif-9019	256	12	”	"	PUNCT
ejif-9019	256	13	with	with	ADP
ejif-9019	256	14	government	government	NOUN
ejif-9019	256	15	agencies	agency	NOUN
ejif-9019	256	16	,	,	PUNCT
ejif-9019	256	17	state	state	NOUN
ejif-9019	256	18	enterprises	enterprise	NOUN
ejif-9019	256	19	,	,	PUNCT
ejif-9019	256	20	and	and	CCONJ
ejif-9019	256	21	corporations	corporation	NOUN
ejif-9019	256	22	to	to	PART
ejif-9019	256	23	offer	offer	VERB
ejif-9019	256	24	special	special	ADJ
ejif-9019	256	25	profit	profit	NOUN
ejif-9019	256	26	rates	rate	NOUN
ejif-9019	256	27	for	for	ADP
ejif-9019	256	28	mortgages	mortgage	NOUN
ejif-9019	256	29	and	and	CCONJ
ejif-9019	256	30	personal	personal	ADJ
ejif-9019	256	31	financing	financing	NOUN
ejif-9019	256	32	products	product	NOUN
ejif-9019	256	33	.	.	PUNCT
ejif-9019	257	1	(	(	PUNCT
ejif-9019	257	2	iii	iii	X
ejif-9019	257	3	)	)	PUNCT
ejif-9019	257	4	baac	baac	PROPN
ejif-9019	257	5	islamic	islamic	PROPN
ejif-9019	257	6	banking	banking	PROPN
ejif-9019	257	7	fund	fund	NOUN
ejif-9019	257	8	promoted	promote	VERB
ejif-9019	257	9	its	its	PRON
ejif-9019	257	10	credit	credit	NOUN
ejif-9019	257	11	products	product	NOUN
ejif-9019	257	12	by	by	ADP
ejif-9019	257	13	targeting	target	VERB
ejif-9019	257	14	agriculturists	agriculturist	NOUN
ejif-9019	257	15	and	and	CCONJ
ejif-9019	257	16	fishermen	fisherman	NOUN
ejif-9019	257	17	.	.	PUNCT
ejif-9019	258	1	islamic	islamic	ADJ
ejif-9019	258	2	cooperatives	cooperative	NOUN
ejif-9019	258	3	have	have	VERB
ejif-9019	258	4	representatives	representative	NOUN
ejif-9019	258	5	in	in	ADP
ejif-9019	258	6	every	every	DET
ejif-9019	258	7	village	village	NOUN
ejif-9019	258	8	assigned	assign	VERB
ejif-9019	258	9	to	to	PART
ejif-9019	258	10	recruit	recruit	VERB
ejif-9019	258	11	new	new	ADJ
ejif-9019	258	12	members	member	NOUN
ejif-9019	258	13	and	and	CCONJ
ejif-9019	258	14	promote	promote	VERB
ejif-9019	258	15	financial	financial	ADJ
ejif-9019	258	16	products	product	NOUN
ejif-9019	258	17	to	to	ADP
ejif-9019	258	18	existing	exist	VERB
ejif-9019	258	19	members	member	NOUN
ejif-9019	258	20	.	.	PUNCT
ejif-9019	259	1	non	non	ADJ
ejif-9019	259	2	-	-	ADJ
ejif-9019	259	3	bank	bank	ADJ
ejif-9019	259	4	islamic	islamic	ADJ
ejif-9019	259	5	financial	financial	ADJ
ejif-9019	259	6	institutions	institution	NOUN
ejif-9019	259	7	like	like	ADP
ejif-9019	259	8	takaful	takaful	ADJ
ejif-9019	259	9	and	and	CCONJ
ejif-9019	259	10	islamic	islamic	ADJ
ejif-9019	259	11	leasing	leasing	NOUN
ejif-9019	259	12	companies	company	NOUN
ejif-9019	259	13	utilise	utilise	VERB
ejif-9019	259	14	network	network	NOUN
ejif-9019	259	15	marketing	marketing	NOUN
ejif-9019	259	16	by	by	ADP
ejif-9019	259	17	appointing	appoint	VERB
ejif-9019	259	18	representatives	representative	NOUN
ejif-9019	259	19	to	to	PART
ejif-9019	259	20	promote	promote	VERB
ejif-9019	259	21	their	their	PRON
ejif-9019	259	22	financial	financial	ADJ
ejif-9019	259	23	services	service	NOUN
ejif-9019	259	24	.	.	PUNCT
ejif-9019	260	1	information	information	NOUN
ejif-9019	260	2	from	from	ADP
ejif-9019	260	3	the	the	DET
ejif-9019	260	4	provincial	provincial	ADJ
ejif-9019	260	5	islamic	islamic	PROPN
ejif-9019	260	6	council	council	PROPN
ejif-9019	260	7	shows	show	VERB
ejif-9019	260	8	that	that	SCONJ
ejif-9019	260	9	most	most	ADJ
ejif-9019	260	10	ifi	ifi	NOUN
ejif-9019	260	11	activities	activity	NOUN
ejif-9019	260	12	are	be	AUX
ejif-9019	260	13	associated	associate	VERB
ejif-9019	260	14	with	with	ADP
ejif-9019	260	15	the	the	DET
ejif-9019	260	16	two	two	NUM
ejif-9019	260	17	main	main	ADJ
ejif-9019	260	18	categories	category	NOUN
ejif-9019	260	19	of	of	ADP
ejif-9019	260	20	islamic	islamic	ADJ
ejif-9019	260	21	philanthropy	philanthropy	NOUN
ejif-9019	260	22	:	:	PUNCT
ejif-9019	260	23	zakat	zakat	NOUN
ejif-9019	260	24	and	and	CCONJ
ejif-9019	260	25	sadaqah	sadaqah	NOUN
ejif-9019	260	26	.	.	PUNCT
ejif-9019	261	1	the	the	DET
ejif-9019	261	2	data	datum	NOUN
ejif-9019	261	3	further	far	ADV
ejif-9019	261	4	indicates	indicate	VERB
ejif-9019	261	5	that	that	SCONJ
ejif-9019	261	6	both	both	DET
ejif-9019	261	7	universities	university	NOUN
ejif-9019	261	8	that	that	PRON
ejif-9019	261	9	offer	offer	VERB
ejif-9019	261	10	islamic	islamic	ADJ
ejif-9019	261	11	finance	finance	NOUN
ejif-9019	261	12	studies	study	NOUN
ejif-9019	261	13	have	have	AUX
ejif-9019	261	14	established	establish	VERB
ejif-9019	261	15	islamic	islamic	ADJ
ejif-9019	261	16	funds	fund	NOUN
ejif-9019	261	17	to	to	PART
ejif-9019	261	18	promote	promote	VERB
ejif-9019	261	19	ifi	ifi	PROPN
ejif-9019	261	20	.	.	PUNCT
ejif-9019	262	1	interviewees	interviewee	NOUN
ejif-9019	262	2	stated	state	VERB
ejif-9019	262	3	that	that	SCONJ
ejif-9019	262	4	ftu	ftu	NOUN
ejif-9019	262	5	has	have	VERB
ejif-9019	262	6	a	a	DET
ejif-9019	262	7	fund	fund	NOUN
ejif-9019	262	8	that	that	PRON
ejif-9019	262	9	helps	help	VERB
ejif-9019	262	10	villagers	villager	NOUN
ejif-9019	262	11	access	access	NOUN
ejif-9019	262	12	halal	halal	NOUN
ejif-9019	262	13	credit	credit	NOUN
ejif-9019	262	14	,	,	PUNCT
ejif-9019	262	15	while	while	SCONJ
ejif-9019	262	16	psu	psu	NOUN
ejif-9019	262	17	has	have	VERB
ejif-9019	262	18	a	a	DET
ejif-9019	262	19	welfare	welfare	NOUN
ejif-9019	262	20	fund	fund	NOUN
ejif-9019	262	21	that	that	PRON
ejif-9019	262	22	provides	provide	VERB
ejif-9019	262	23	scholarships	scholarship	NOUN
ejif-9019	262	24	to	to	ADP
ejif-9019	262	25	students	student	NOUN
ejif-9019	262	26	every	every	DET
ejif-9019	262	27	year	year	NOUN
ejif-9019	262	28	.	.	PUNCT
ejif-9019	263	1	european	european	PROPN
ejif-9019	263	2	journal	journal	PROPN
ejif-9019	263	3	of	of	ADP
ejif-9019	263	4	islamic	islamic	PROPN
ejif-9019	263	5	finance	finance	PROPN
ejif-9019	263	6	issn	issn	PROPN
ejif-9019	263	7	:	:	PUNCT
ejif-9019	263	8	2421	2421	NUM
ejif-9019	263	9	-	-	SYM
ejif-9019	263	10	2172	2172	NUM
ejif-9019	263	11	doi	doi	NOUN
ejif-9019	263	12	:	:	PUNCT
ejif-9019	263	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	263	14	-	-	SYM
ejif-9019	263	15	2172/9019	2172/9019	NUM
ejif-9019	263	16	published	publish	VERB
ejif-9019	263	17	by	by	ADP
ejif-9019	263	18	university	university	PROPN
ejif-9019	263	19	of	of	ADP
ejif-9019	263	20	turin	turin	PROPN
ejif-9019	264	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	264	2	ejif	ejif	PROPN
ejif-9019	264	3	content	content	NOUN
ejif-9019	264	4	is	be	AUX
ejif-9019	264	5	licensed	license	VERB
ejif-9019	264	6	under	under	ADP
ejif-9019	264	7	a	a	DET
ejif-9019	264	8	creative	creative	ADJ
ejif-9019	264	9	commons	common	NOUN
ejif-9019	264	10	attribution	attribution	NOUN
ejif-9019	264	11	4.0	4.0	NUM
ejif-9019	264	12	international	international	ADJ
ejif-9019	264	13	license	license	NOUN
ejif-9019	264	14	13	13	NUM
ejif-9019	264	15	furthermore	furthermore	ADV
ejif-9019	264	16	,	,	PUNCT
ejif-9019	264	17	the	the	DET
ejif-9019	264	18	gathered	gather	VERB
ejif-9019	264	19	data	datum	NOUN
ejif-9019	264	20	indicates	indicate	VERB
ejif-9019	264	21	that	that	SCONJ
ejif-9019	264	22	islamic	islamic	ADJ
ejif-9019	264	23	financial	financial	ADJ
ejif-9019	264	24	-	-	PUNCT
ejif-9019	264	25	related	relate	VERB
ejif-9019	264	26	organisations	organisation	NOUN
ejif-9019	264	27	have	have	AUX
ejif-9019	264	28	also	also	ADV
ejif-9019	264	29	collaborated	collaborate	VERB
ejif-9019	264	30	on	on	ADP
ejif-9019	264	31	ifi	ifi	PROPN
ejif-9019	264	32	activities	activity	NOUN
ejif-9019	264	33	.	.	PUNCT
ejif-9019	265	1	it	it	PRON
ejif-9019	265	2	was	be	AUX
ejif-9019	265	3	found	find	VERB
ejif-9019	265	4	that	that	SCONJ
ejif-9019	265	5	takaful	takaful	ADJ
ejif-9019	265	6	operators	operator	NOUN
ejif-9019	265	7	use	use	VERB
ejif-9019	265	8	ibank	ibank	PROPN
ejif-9019	265	9	as	as	ADP
ejif-9019	265	10	a	a	DET
ejif-9019	265	11	channel	channel	NOUN
ejif-9019	265	12	to	to	PART
ejif-9019	265	13	promote	promote	VERB
ejif-9019	265	14	their	their	PRON
ejif-9019	265	15	financial	financial	ADJ
ejif-9019	265	16	products	product	NOUN
ejif-9019	265	17	by	by	ADP
ejif-9019	265	18	designating	designate	VERB
ejif-9019	265	19	ibank	ibank	PROPN
ejif-9019	265	20	employees	employee	NOUN
ejif-9019	265	21	as	as	ADP
ejif-9019	265	22	brokers	broker	NOUN
ejif-9019	265	23	and	and	CCONJ
ejif-9019	265	24	distributing	distribute	VERB
ejif-9019	265	25	flyers	flyer	NOUN
ejif-9019	265	26	at	at	ADP
ejif-9019	265	27	the	the	DET
ejif-9019	265	28	branches	branch	NOUN
ejif-9019	265	29	.	.	PUNCT
ejif-9019	266	1	as	as	ADP
ejif-9019	266	2	part	part	NOUN
ejif-9019	266	3	of	of	ADP
ejif-9019	266	4	another	another	DET
ejif-9019	266	5	activity	activity	NOUN
ejif-9019	266	6	,	,	PUNCT
ejif-9019	266	7	ftu	ftu	NOUN
ejif-9019	266	8	has	have	AUX
ejif-9019	266	9	made	make	VERB
ejif-9019	266	10	the	the	DET
ejif-9019	266	11	iu	iu	PROPN
ejif-9019	266	12	bank	bank	NOUN
ejif-9019	266	13	platform	platform	NOUN
ejif-9019	266	14	—	—	PUNCT
ejif-9019	266	15	a	a	DET
ejif-9019	266	16	banking	banking	NOUN
ejif-9019	266	17	platform	platform	NOUN
ejif-9019	266	18	that	that	PRON
ejif-9019	266	19	connects	connect	VERB
ejif-9019	266	20	to	to	ADP
ejif-9019	266	21	the	the	DET
ejif-9019	266	22	baac	baac	ADJ
ejif-9019	266	23	islamic	islamic	PROPN
ejif-9019	266	24	banking	banking	PROPN
ejif-9019	266	25	fund	fund	NOUN
ejif-9019	266	26	—	—	PUNCT
ejif-9019	266	27	available	available	ADJ
ejif-9019	266	28	to	to	ADP
ejif-9019	266	29	its	its	PRON
ejif-9019	266	30	students	student	NOUN
ejif-9019	266	31	.	.	PUNCT
ejif-9019	267	1	the	the	DET
ejif-9019	267	2	next	next	ADJ
ejif-9019	267	3	theme	theme	NOUN
ejif-9019	267	4	explores	explore	VERB
ejif-9019	267	5	the	the	DET
ejif-9019	267	6	factors	factor	NOUN
ejif-9019	267	7	that	that	PRON
ejif-9019	267	8	could	could	AUX
ejif-9019	267	9	limit	limit	VERB
ejif-9019	267	10	ifl	ifl	PROPN
ejif-9019	267	11	and	and	CCONJ
ejif-9019	267	12	ifi	ifi	PROPN
ejif-9019	267	13	in	in	ADP
ejif-9019	267	14	thailand	thailand	PROPN
ejif-9019	267	15	's	's	PART
ejif-9019	267	16	five	five	NUM
ejif-9019	267	17	southern	southern	ADJ
ejif-9019	267	18	border	border	NOUN
ejif-9019	267	19	provinces	province	NOUN
ejif-9019	267	20	.	.	PUNCT
ejif-9019	268	1	these	these	DET
ejif-9019	268	2	insights	insight	NOUN
ejif-9019	268	3	are	be	AUX
ejif-9019	268	4	based	base	VERB
ejif-9019	268	5	on	on	ADP
ejif-9019	268	6	the	the	DET
ejif-9019	268	7	knowledge	knowledge	NOUN
ejif-9019	268	8	and	and	CCONJ
ejif-9019	268	9	experiences	experience	NOUN
ejif-9019	268	10	shared	share	VERB
ejif-9019	268	11	by	by	ADP
ejif-9019	268	12	the	the	DET
ejif-9019	268	13	interviewees	interviewee	NOUN
ejif-9019	268	14	.	.	PUNCT
ejif-9019	269	1	the	the	DET
ejif-9019	269	2	data	datum	NOUN
ejif-9019	269	3	gathered	gather	VERB
ejif-9019	269	4	from	from	ADP
ejif-9019	269	5	the	the	DET
ejif-9019	269	6	interviews	interview	NOUN
ejif-9019	269	7	revealed	reveal	VERB
ejif-9019	269	8	that	that	SCONJ
ejif-9019	269	9	one	one	NUM
ejif-9019	269	10	of	of	ADP
ejif-9019	269	11	the	the	DET
ejif-9019	269	12	primary	primary	ADJ
ejif-9019	269	13	limitations	limitation	NOUN
ejif-9019	269	14	of	of	ADP
ejif-9019	269	15	ifl	ifl	PROPN
ejif-9019	269	16	in	in	ADP
ejif-9019	269	17	the	the	DET
ejif-9019	269	18	region	region	NOUN
ejif-9019	269	19	is	be	AUX
ejif-9019	269	20	the	the	DET
ejif-9019	269	21	lack	lack	NOUN
ejif-9019	269	22	of	of	ADP
ejif-9019	269	23	basic	basic	ADJ
ejif-9019	269	24	islamic	islamic	ADJ
ejif-9019	269	25	finance	finance	NOUN
ejif-9019	269	26	knowledge	knowledge	NOUN
ejif-9019	269	27	among	among	ADP
ejif-9019	269	28	the	the	DET
ejif-9019	269	29	local	local	ADJ
ejif-9019	269	30	muslim	muslim	ADJ
ejif-9019	269	31	population	population	NOUN
ejif-9019	269	32	.	.	PUNCT
ejif-9019	270	1	most	most	ADJ
ejif-9019	270	2	informants	informant	NOUN
ejif-9019	270	3	attributed	attribute	VERB
ejif-9019	270	4	this	this	PRON
ejif-9019	270	5	to	to	ADP
ejif-9019	270	6	the	the	DET
ejif-9019	270	7	inadequacy	inadequacy	NOUN
ejif-9019	270	8	of	of	ADP
ejif-9019	270	9	the	the	DET
ejif-9019	270	10	islamic	islamic	ADJ
ejif-9019	270	11	finance	finance	NOUN
ejif-9019	270	12	curriculum	curriculum	NOUN
ejif-9019	270	13	in	in	ADP
ejif-9019	270	14	islamic	islamic	ADJ
ejif-9019	270	15	schools	school	NOUN
ejif-9019	270	16	.	.	PUNCT
ejif-9019	271	1	the	the	DET
ejif-9019	271	2	second	second	ADJ
ejif-9019	271	3	limitation	limitation	NOUN
ejif-9019	271	4	pertains	pertain	VERB
ejif-9019	271	5	to	to	ADP
ejif-9019	271	6	the	the	DET
ejif-9019	271	7	deficiency	deficiency	NOUN
ejif-9019	271	8	of	of	ADP
ejif-9019	271	9	islamic	islamic	ADJ
ejif-9019	271	10	finance	finance	NOUN
ejif-9019	271	11	expertise	expertise	NOUN
ejif-9019	271	12	among	among	ADP
ejif-9019	271	13	the	the	DET
ejif-9019	271	14	management	management	NOUN
ejif-9019	271	15	and	and	CCONJ
ejif-9019	271	16	employees	employee	NOUN
ejif-9019	271	17	of	of	ADP
ejif-9019	271	18	organisations	organisation	NOUN
ejif-9019	271	19	involved	involve	VERB
ejif-9019	271	20	in	in	ADP
ejif-9019	271	21	islamic	islamic	ADJ
ejif-9019	271	22	finance	finance	NOUN
ejif-9019	271	23	within	within	ADP
ejif-9019	271	24	the	the	DET
ejif-9019	271	25	region	region	NOUN
ejif-9019	271	26	.	.	PUNCT
ejif-9019	272	1	the	the	DET
ejif-9019	272	2	third	third	ADJ
ejif-9019	272	3	constraint	constraint	NOUN
ejif-9019	272	4	is	be	AUX
ejif-9019	272	5	the	the	DET
ejif-9019	272	6	limited	limited	ADJ
ejif-9019	272	7	understanding	understanding	NOUN
ejif-9019	272	8	of	of	ADP
ejif-9019	272	9	the	the	DET
ejif-9019	272	10	islamic	islamic	ADJ
ejif-9019	272	11	financial	financial	ADJ
ejif-9019	272	12	system	system	NOUN
ejif-9019	272	13	among	among	ADP
ejif-9019	272	14	religious	religious	ADJ
ejif-9019	272	15	leaders	leader	NOUN
ejif-9019	272	16	,	,	PUNCT
ejif-9019	272	17	particularly	particularly	ADV
ejif-9019	272	18	local	local	ADJ
ejif-9019	272	19	imams	imam	NOUN
ejif-9019	272	20	.	.	PUNCT
ejif-9019	273	1	the	the	DET
ejif-9019	273	2	findings	finding	NOUN
ejif-9019	273	3	of	of	ADP
ejif-9019	273	4	this	this	DET
ejif-9019	273	5	study	study	NOUN
ejif-9019	273	6	are	be	AUX
ejif-9019	273	7	like	like	ADP
ejif-9019	273	8	what	what	PRON
ejif-9019	273	9	yuslem	yuslem	NOUN
ejif-9019	273	10	et	et	NOUN
ejif-9019	273	11	al	al	PROPN
ejif-9019	273	12	.	.	PROPN
ejif-9019	274	1	(	(	PUNCT
ejif-9019	274	2	2023	2023	NUM
ejif-9019	274	3	)	)	PUNCT
ejif-9019	274	4	discovered	discover	VERB
ejif-9019	274	5	among	among	ADP
ejif-9019	274	6	indonesian	indonesian	ADJ
ejif-9019	274	7	islamic	islamic	ADJ
ejif-9019	274	8	scholars	scholar	NOUN
ejif-9019	274	9	,	,	PUNCT
ejif-9019	274	10	as	as	SCONJ
ejif-9019	274	11	many	many	ADJ
ejif-9019	274	12	of	of	ADP
ejif-9019	274	13	them	they	PRON
ejif-9019	274	14	are	be	AUX
ejif-9019	274	15	still	still	ADV
ejif-9019	274	16	unable	unable	ADJ
ejif-9019	274	17	to	to	PART
ejif-9019	274	18	differentiate	differentiate	VERB
ejif-9019	274	19	between	between	ADP
ejif-9019	274	20	conventional	conventional	ADJ
ejif-9019	274	21	and	and	CCONJ
ejif-9019	274	22	islamic	islamic	ADJ
ejif-9019	274	23	financial	financial	ADJ
ejif-9019	274	24	systems	system	NOUN
ejif-9019	274	25	.	.	PUNCT
ejif-9019	275	1	the	the	DET
ejif-9019	275	2	final	final	ADJ
ejif-9019	275	3	challenge	challenge	NOUN
ejif-9019	275	4	is	be	AUX
ejif-9019	275	5	the	the	DET
ejif-9019	275	6	shortage	shortage	NOUN
ejif-9019	275	7	of	of	ADP
ejif-9019	275	8	professionals	professional	NOUN
ejif-9019	275	9	in	in	ADP
ejif-9019	275	10	islamic	islamic	ADJ
ejif-9019	275	11	finance	finance	NOUN
ejif-9019	275	12	within	within	ADP
ejif-9019	275	13	the	the	DET
ejif-9019	275	14	educational	educational	ADJ
ejif-9019	275	15	system	system	NOUN
ejif-9019	275	16	.	.	PUNCT
ejif-9019	276	1	consequently	consequently	ADV
ejif-9019	276	2	,	,	PUNCT
ejif-9019	276	3	the	the	DET
ejif-9019	276	4	market	market	NOUN
ejif-9019	276	5	requires	require	VERB
ejif-9019	276	6	more	more	ADJ
ejif-9019	276	7	educators	educator	NOUN
ejif-9019	276	8	with	with	ADP
ejif-9019	276	9	a	a	DET
ejif-9019	276	10	background	background	NOUN
ejif-9019	276	11	in	in	ADP
ejif-9019	276	12	islamic	islamic	ADJ
ejif-9019	276	13	finance	finance	NOUN
ejif-9019	276	14	to	to	PART
ejif-9019	276	15	develop	develop	VERB
ejif-9019	276	16	human	human	ADJ
ejif-9019	276	17	resources	resource	NOUN
ejif-9019	276	18	who	who	PRON
ejif-9019	276	19	are	be	AUX
ejif-9019	276	20	well	well	ADV
ejif-9019	276	21	-	-	PUNCT
ejif-9019	276	22	equipped	equip	VERB
ejif-9019	276	23	with	with	ADP
ejif-9019	276	24	ifl	ifl	PROPN
ejif-9019	276	25	.	.	PUNCT
ejif-9019	277	1	according	accord	VERB
ejif-9019	277	2	to	to	PART
ejif-9019	277	3	figure	figure	NOUN
ejif-9019	277	4	3	3	NUM
ejif-9019	277	5	,	,	PUNCT
ejif-9019	277	6	the	the	DET
ejif-9019	277	7	most	most	ADV
ejif-9019	277	8	frequently	frequently	ADV
ejif-9019	277	9	cited	cite	VERB
ejif-9019	277	10	limitation	limitation	NOUN
ejif-9019	277	11	mentioned	mention	VERB
ejif-9019	277	12	by	by	ADP
ejif-9019	277	13	interviewees	interviewee	NOUN
ejif-9019	277	14	was	be	AUX
ejif-9019	277	15	that	that	SCONJ
ejif-9019	277	16	many	many	ADJ
ejif-9019	277	17	islamic	islamic	ADJ
ejif-9019	277	18	financial	financial	ADJ
ejif-9019	277	19	products	product	NOUN
ejif-9019	277	20	and	and	CCONJ
ejif-9019	277	21	services	service	NOUN
ejif-9019	277	22	are	be	AUX
ejif-9019	277	23	more	more	ADV
ejif-9019	277	24	expensive	expensive	ADJ
ejif-9019	277	25	than	than	ADP
ejif-9019	277	26	their	their	PRON
ejif-9019	277	27	conventional	conventional	ADJ
ejif-9019	277	28	counterparts	counterpart	NOUN
ejif-9019	277	29	.	.	PUNCT
ejif-9019	278	1	despite	despite	SCONJ
ejif-9019	278	2	the	the	DET
ejif-9019	278	3	higher	high	ADJ
ejif-9019	278	4	price	price	NOUN
ejif-9019	278	5	,	,	PUNCT
ejif-9019	278	6	some	some	DET
ejif-9019	278	7	informants	informant	NOUN
ejif-9019	278	8	believed	believe	VERB
ejif-9019	278	9	religious	religious	ADJ
ejif-9019	278	10	people	people	NOUN
ejif-9019	278	11	would	would	AUX
ejif-9019	278	12	pay	pay	VERB
ejif-9019	278	13	a	a	DET
ejif-9019	278	14	premium	premium	NOUN
ejif-9019	278	15	for	for	ADP
ejif-9019	278	16	access	access	NOUN
ejif-9019	278	17	to	to	ADP
ejif-9019	278	18	shari'ah	shari'ah	NOUN
ejif-9019	278	19	-	-	PUNCT
ejif-9019	278	20	compliant	compliant	ADJ
ejif-9019	278	21	financial	financial	ADJ
ejif-9019	278	22	services	service	NOUN
ejif-9019	278	23	.	.	PUNCT
ejif-9019	279	1	however	however	ADV
ejif-9019	279	2	,	,	PUNCT
ejif-9019	279	3	based	base	VERB
ejif-9019	279	4	on	on	ADP
ejif-9019	279	5	the	the	DET
ejif-9019	279	6	experiences	experience	NOUN
ejif-9019	279	7	of	of	ADP
ejif-9019	279	8	most	most	ADJ
ejif-9019	279	9	informants	informant	NOUN
ejif-9019	279	10	from	from	ADP
ejif-9019	279	11	islamic	islamic	ADJ
ejif-9019	279	12	financial	financial	ADJ
ejif-9019	279	13	institutions	institution	NOUN
ejif-9019	279	14	,	,	PUNCT
ejif-9019	279	15	many	many	ADJ
ejif-9019	279	16	people	people	NOUN
ejif-9019	279	17	in	in	ADP
ejif-9019	279	18	the	the	DET
ejif-9019	279	19	area	area	NOUN
ejif-9019	279	20	prefer	prefer	VERB
ejif-9019	279	21	to	to	PART
ejif-9019	279	22	use	use	VERB
ejif-9019	279	23	lower	low	ADJ
ejif-9019	279	24	-	-	PUNCT
ejif-9019	279	25	cost	cost	NOUN
ejif-9019	279	26	credit	credit	NOUN
ejif-9019	279	27	services	service	NOUN
ejif-9019	279	28	because	because	SCONJ
ejif-9019	279	29	they	they	PRON
ejif-9019	279	30	perceive	perceive	VERB
ejif-9019	279	31	the	the	DET
ejif-9019	279	32	high	high	ADJ
ejif-9019	279	33	cost	cost	NOUN
ejif-9019	279	34	as	as	ADP
ejif-9019	279	35	oppressive	oppressive	ADJ
ejif-9019	279	36	and	and	CCONJ
ejif-9019	279	37	burdensome	burdensome	ADJ
ejif-9019	279	38	.	.	PUNCT
ejif-9019	280	1	the	the	DET
ejif-9019	280	2	following	follow	VERB
ejif-9019	280	3	quotes	quote	NOUN
ejif-9019	280	4	provide	provide	VERB
ejif-9019	280	5	more	more	ADJ
ejif-9019	280	6	details	detail	NOUN
ejif-9019	280	7	:	:	PUNCT
ejif-9019	280	8	“	"	PUNCT
ejif-9019	280	9	we	we	PRON
ejif-9019	280	10	muslims	muslims	PROPN
ejif-9019	280	11	often	often	ADV
ejif-9019	280	12	say	say	VERB
ejif-9019	280	13	that	that	SCONJ
ejif-9019	280	14	we	we	PRON
ejif-9019	280	15	need	need	VERB
ejif-9019	280	16	to	to	PART
ejif-9019	280	17	stay	stay	VERB
ejif-9019	280	18	away	away	ADV
ejif-9019	280	19	from	from	ADP
ejif-9019	280	20	the	the	DET
ejif-9019	280	21	interest	interest	NOUN
ejif-9019	280	22	system	system	NOUN
ejif-9019	280	23	,	,	PUNCT
ejif-9019	280	24	but	but	CCONJ
ejif-9019	280	25	when	when	SCONJ
ejif-9019	280	26	people	people	NOUN
ejif-9019	280	27	come	come	VERB
ejif-9019	280	28	to	to	PART
ejif-9019	280	29	ask	ask	VERB
ejif-9019	280	30	for	for	ADP
ejif-9019	280	31	loans	loan	NOUN
ejif-9019	280	32	in	in	ADP
ejif-9019	280	33	islamic	islamic	ADJ
ejif-9019	280	34	financial	financial	ADJ
ejif-9019	280	35	institutions	institution	NOUN
ejif-9019	280	36	,	,	PUNCT
ejif-9019	280	37	they	they	PRON
ejif-9019	280	38	find	find	VERB
ejif-9019	280	39	that	that	SCONJ
ejif-9019	280	40	they	they	PRON
ejif-9019	280	41	are	be	AUX
ejif-9019	280	42	oppressed	oppress	VERB
ejif-9019	280	43	as	as	SCONJ
ejif-9019	280	44	the	the	DET
ejif-9019	280	45	price	price	NOUN
ejif-9019	280	46	is	be	AUX
ejif-9019	280	47	higher	high	ADJ
ejif-9019	280	48	than	than	ADP
ejif-9019	280	49	the	the	DET
ejif-9019	280	50	interest	interest	NOUN
ejif-9019	280	51	.	.	PUNCT
ejif-9019	280	52	”	"	PUNCT
ejif-9019	281	1	“	"	PUNCT
ejif-9019	281	2	many	many	ADJ
ejif-9019	281	3	customers	customer	NOUN
ejif-9019	281	4	contact	contact	VERB
ejif-9019	281	5	us	we	PRON
ejif-9019	281	6	for	for	ADP
ejif-9019	281	7	credit	credit	NOUN
ejif-9019	281	8	services	service	NOUN
ejif-9019	281	9	,	,	PUNCT
ejif-9019	281	10	but	but	CCONJ
ejif-9019	281	11	once	once	SCONJ
ejif-9019	281	12	they	they	PRON
ejif-9019	281	13	know	know	VERB
ejif-9019	281	14	the	the	DET
ejif-9019	281	15	cost	cost	NOUN
ejif-9019	281	16	,	,	PUNCT
ejif-9019	281	17	they	they	PRON
ejif-9019	281	18	decide	decide	VERB
ejif-9019	281	19	not	not	PART
ejif-9019	281	20	to	to	PART
ejif-9019	281	21	use	use	VERB
ejif-9019	281	22	them	they	PRON
ejif-9019	281	23	because	because	SCONJ
ejif-9019	281	24	they	they	PRON
ejif-9019	281	25	find	find	VERB
ejif-9019	281	26	it	it	PRON
ejif-9019	281	27	difficult	difficult	ADJ
ejif-9019	281	28	to	to	PART
ejif-9019	281	29	repay	repay	VERB
ejif-9019	281	30	.	.	PUNCT
ejif-9019	281	31	”	"	PUNCT
ejif-9019	282	1	the	the	DET
ejif-9019	282	2	second	second	ADJ
ejif-9019	282	3	most	most	ADV
ejif-9019	282	4	highlighted	highlight	VERB
ejif-9019	282	5	limitation	limitation	NOUN
ejif-9019	282	6	is	be	AUX
ejif-9019	282	7	the	the	DET
ejif-9019	282	8	slow	slow	ADJ
ejif-9019	282	9	credit	credit	NOUN
ejif-9019	282	10	approval	approval	NOUN
ejif-9019	282	11	process	process	NOUN
ejif-9019	282	12	of	of	ADP
ejif-9019	282	13	islamic	islamic	ADJ
ejif-9019	282	14	financial	financial	ADJ
ejif-9019	282	15	institutions	institution	NOUN
ejif-9019	282	16	,	,	PUNCT
ejif-9019	282	17	which	which	PRON
ejif-9019	282	18	can	can	AUX
ejif-9019	282	19	not	not	PART
ejif-9019	282	20	meet	meet	VERB
ejif-9019	282	21	the	the	DET
ejif-9019	282	22	needs	need	NOUN
ejif-9019	282	23	of	of	ADP
ejif-9019	282	24	those	those	PRON
ejif-9019	282	25	who	who	PRON
ejif-9019	282	26	want	want	VERB
ejif-9019	282	27	to	to	PART
ejif-9019	282	28	use	use	VERB
ejif-9019	282	29	the	the	DET
ejif-9019	282	30	service	service	NOUN
ejif-9019	282	31	.	.	PUNCT
ejif-9019	283	1	additionally	additionally	ADV
ejif-9019	283	2	,	,	PUNCT
ejif-9019	283	3	the	the	DET
ejif-9019	283	4	data	datum	NOUN
ejif-9019	283	5	shows	show	VERB
ejif-9019	283	6	that	that	SCONJ
ejif-9019	283	7	nearly	nearly	ADV
ejif-9019	283	8	half	half	NOUN
ejif-9019	283	9	of	of	ADP
ejif-9019	283	10	the	the	DET
ejif-9019	283	11	interviewees	interviewee	NOUN
ejif-9019	283	12	cited	cite	VERB
ejif-9019	283	13	the	the	DET
ejif-9019	283	14	lack	lack	NOUN
ejif-9019	283	15	of	of	ADP
ejif-9019	283	16	necessary	necessary	ADJ
ejif-9019	283	17	documents	document	NOUN
ejif-9019	283	18	as	as	ADP
ejif-9019	283	19	another	another	DET
ejif-9019	283	20	limitation	limitation	NOUN
ejif-9019	283	21	of	of	ADP
ejif-9019	283	22	ifi	ifi	PROPN
ejif-9019	283	23	in	in	ADP
ejif-9019	283	24	the	the	DET
ejif-9019	283	25	region	region	NOUN
ejif-9019	283	26	.	.	PUNCT
ejif-9019	284	1	according	accord	VERB
ejif-9019	284	2	to	to	ADP
ejif-9019	284	3	the	the	DET
ejif-9019	284	4	opinions	opinion	NOUN
ejif-9019	284	5	of	of	ADP
ejif-9019	284	6	these	these	DET
ejif-9019	284	7	interviewees	interviewee	NOUN
ejif-9019	284	8	,	,	PUNCT
ejif-9019	284	9	documentation	documentation	NOUN
ejif-9019	284	10	poses	pose	VERB
ejif-9019	284	11	challenges	challenge	NOUN
ejif-9019	284	12	for	for	ADP
ejif-9019	284	13	certain	certain	ADJ
ejif-9019	284	14	groups	group	NOUN
ejif-9019	284	15	of	of	ADP
ejif-9019	284	16	people	people	NOUN
ejif-9019	284	17	.	.	PUNCT
ejif-9019	285	1	for	for	ADP
ejif-9019	285	2	example	example	NOUN
ejif-9019	285	3	,	,	PUNCT
ejif-9019	285	4	individuals	individual	NOUN
ejif-9019	285	5	in	in	ADP
ejif-9019	285	6	the	the	DET
ejif-9019	285	7	grassroots	grassroot	NOUN
ejif-9019	285	8	often	often	ADV
ejif-9019	285	9	lack	lack	VERB
ejif-9019	285	10	collateralrelated	collateralrelated	ADJ
ejif-9019	285	11	documents	document	NOUN
ejif-9019	285	12	,	,	PUNCT
ejif-9019	285	13	while	while	SCONJ
ejif-9019	285	14	vendors	vendor	NOUN
ejif-9019	285	15	typically	typically	ADV
ejif-9019	285	16	do	do	AUX
ejif-9019	285	17	not	not	PART
ejif-9019	285	18	have	have	VERB
ejif-9019	285	19	financial	financial	ADJ
ejif-9019	285	20	records	record	NOUN
ejif-9019	285	21	when	when	SCONJ
ejif-9019	285	22	they	they	PRON
ejif-9019	285	23	visit	visit	VERB
ejif-9019	285	24	financial	financial	ADJ
ejif-9019	285	25	institutions	institution	NOUN
ejif-9019	285	26	to	to	PART
ejif-9019	285	27	apply	apply	VERB
ejif-9019	285	28	for	for	ADP
ejif-9019	285	29	credit	credit	NOUN
ejif-9019	285	30	.	.	PUNCT
ejif-9019	286	1	finally	finally	ADV
ejif-9019	286	2	,	,	PUNCT
ejif-9019	286	3	almost	almost	ADV
ejif-9019	286	4	a	a	DET
ejif-9019	286	5	quarter	quarter	NOUN
ejif-9019	286	6	of	of	ADP
ejif-9019	286	7	interviewees	interviewee	NOUN
ejif-9019	286	8	viewed	view	VERB
ejif-9019	286	9	a	a	DET
ejif-9019	286	10	lack	lack	NOUN
ejif-9019	286	11	of	of	ADP
ejif-9019	286	12	trust	trust	NOUN
ejif-9019	286	13	in	in	ADP
ejif-9019	286	14	islamic	islamic	ADJ
ejif-9019	286	15	financial	financial	ADJ
ejif-9019	286	16	institutions	institution	NOUN
ejif-9019	286	17	as	as	ADP
ejif-9019	286	18	a	a	DET
ejif-9019	286	19	barrier	barrier	NOUN
ejif-9019	286	20	to	to	ADP
ejif-9019	286	21	ifi	ifi	PROPN
ejif-9019	286	22	in	in	ADP
ejif-9019	286	23	the	the	DET
ejif-9019	286	24	area	area	NOUN
ejif-9019	286	25	.	.	PUNCT
ejif-9019	287	1	according	accord	VERB
ejif-9019	287	2	to	to	ADP
ejif-9019	287	3	the	the	DET
ejif-9019	287	4	findings	finding	NOUN
ejif-9019	287	5	of	of	ADP
ejif-9019	287	6	the	the	DET
ejif-9019	287	7	interviews	interview	NOUN
ejif-9019	287	8	,	,	PUNCT
ejif-9019	287	9	this	this	DET
ejif-9019	287	10	lack	lack	NOUN
ejif-9019	287	11	of	of	ADP
ejif-9019	287	12	confidence	confidence	NOUN
ejif-9019	287	13	is	be	AUX
ejif-9019	287	14	primarily	primarily	ADV
ejif-9019	287	15	associated	associate	VERB
ejif-9019	287	16	with	with	ADP
ejif-9019	287	17	ibank	ibank	PROPN
ejif-9019	287	18	and	and	CCONJ
ejif-9019	287	19	islamic	islamic	ADJ
ejif-9019	287	20	cooperatives	cooperative	NOUN
ejif-9019	287	21	.	.	PUNCT
ejif-9019	288	1	in	in	ADP
ejif-9019	288	2	the	the	DET
ejif-9019	288	3	case	case	NOUN
ejif-9019	288	4	of	of	ADP
ejif-9019	288	5	ibank	ibank	PROPN
ejif-9019	288	6	,	,	PUNCT
ejif-9019	288	7	issues	issue	NOUN
ejif-9019	288	8	with	with	ADP
ejif-9019	288	9	bad	bad	ADJ
ejif-9019	288	10	debts	debt	NOUN
ejif-9019	288	11	have	have	AUX
ejif-9019	288	12	led	lead	VERB
ejif-9019	288	13	people	people	NOUN
ejif-9019	288	14	to	to	PART
ejif-9019	288	15	question	question	VERB
ejif-9019	288	16	the	the	DET
ejif-9019	288	17	institution	institution	NOUN
ejif-9019	288	18	's	's	PART
ejif-9019	288	19	lenient	lenient	ADJ
ejif-9019	288	20	credit	credit	NOUN
ejif-9019	288	21	approval	approval	NOUN
ejif-9019	288	22	principles	principle	NOUN
ejif-9019	288	23	,	,	PUNCT
ejif-9019	288	24	political	political	ADJ
ejif-9019	288	25	intervention	intervention	NOUN
ejif-9019	288	26	,	,	PUNCT
ejif-9019	288	27	and	and	CCONJ
ejif-9019	288	28	corruption	corruption	NOUN
ejif-9019	288	29	within	within	ADP
ejif-9019	288	30	the	the	DET
ejif-9019	288	31	organisation	organisation	NOUN
ejif-9019	288	32	.	.	PUNCT
ejif-9019	289	1	as	as	ADP
ejif-9019	289	2	for	for	ADP
ejif-9019	289	3	islamic	islamic	ADJ
ejif-9019	289	4	cooperatives	cooperative	NOUN
ejif-9019	289	5	,	,	PUNCT
ejif-9019	289	6	the	the	DET
ejif-9019	289	7	obtained	obtain	VERB
ejif-9019	289	8	data	datum	NOUN
ejif-9019	289	9	indicates	indicate	VERB
ejif-9019	289	10	that	that	SCONJ
ejif-9019	289	11	people	people	NOUN
ejif-9019	289	12	still	still	ADV
ejif-9019	289	13	have	have	VERB
ejif-9019	289	14	doubts	doubt	NOUN
ejif-9019	289	15	about	about	ADP
ejif-9019	289	16	the	the	DET
ejif-9019	289	17	governance	governance	NOUN
ejif-9019	289	18	of	of	ADP
ejif-9019	289	19	these	these	DET
ejif-9019	289	20	cooperatives	cooperative	NOUN
ejif-9019	289	21	,	,	PUNCT
ejif-9019	289	22	especially	especially	ADV
ejif-9019	289	23	in	in	ADP
ejif-9019	289	24	the	the	DET
ejif-9019	289	25	credit	credit	NOUN
ejif-9019	289	26	approval	approval	NOUN
ejif-9019	289	27	process	process	NOUN
ejif-9019	289	28	,	,	PUNCT
ejif-9019	289	29	as	as	SCONJ
ejif-9019	289	30	they	they	PRON
ejif-9019	289	31	are	be	AUX
ejif-9019	289	32	not	not	PART
ejif-9019	289	33	subject	subject	ADJ
ejif-9019	289	34	to	to	ADP
ejif-9019	289	35	the	the	DET
ejif-9019	289	36	same	same	ADJ
ejif-9019	289	37	level	level	NOUN
ejif-9019	289	38	of	of	ADP
ejif-9019	289	39	strict	strict	ADJ
ejif-9019	289	40	regulation	regulation	NOUN
ejif-9019	289	41	as	as	ADP
ejif-9019	289	42	formal	formal	ADJ
ejif-9019	289	43	financial	financial	ADJ
ejif-9019	289	44	institutions	institution	NOUN
ejif-9019	289	45	.	.	PUNCT
ejif-9019	290	1	european	european	PROPN
ejif-9019	290	2	journal	journal	PROPN
ejif-9019	290	3	of	of	ADP
ejif-9019	290	4	islamic	islamic	PROPN
ejif-9019	290	5	finance	finance	PROPN
ejif-9019	290	6	issn	issn	PROPN
ejif-9019	290	7	:	:	PUNCT
ejif-9019	290	8	2421	2421	NUM
ejif-9019	290	9	-	-	SYM
ejif-9019	290	10	2172	2172	NUM
ejif-9019	290	11	doi	doi	NOUN
ejif-9019	290	12	:	:	PUNCT
ejif-9019	290	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	290	14	-	-	SYM
ejif-9019	290	15	2172/9019	2172/9019	NUM
ejif-9019	290	16	published	publish	VERB
ejif-9019	290	17	by	by	ADP
ejif-9019	290	18	university	university	PROPN
ejif-9019	290	19	of	of	ADP
ejif-9019	290	20	turin	turin	PROPN
ejif-9019	291	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	291	2	ejif	ejif	PROPN
ejif-9019	291	3	content	content	NOUN
ejif-9019	291	4	is	be	AUX
ejif-9019	291	5	licensed	license	VERB
ejif-9019	291	6	under	under	ADP
ejif-9019	291	7	a	a	DET
ejif-9019	291	8	creative	creative	ADJ
ejif-9019	291	9	commons	common	NOUN
ejif-9019	291	10	attribution	attribution	NOUN
ejif-9019	291	11	4.0	4.0	NUM
ejif-9019	291	12	international	international	ADJ
ejif-9019	291	13	license	license	NOUN
ejif-9019	291	14	14	14	NUM
ejif-9019	291	15	figure	figure	NOUN
ejif-9019	291	16	3	3	NUM
ejif-9019	291	17	.	.	PUNCT
ejif-9019	292	1	the	the	DET
ejif-9019	292	2	main	main	ADJ
ejif-9019	292	3	limitations	limitation	NOUN
ejif-9019	292	4	of	of	ADP
ejif-9019	292	5	islamic	islamic	ADJ
ejif-9019	292	6	financial	financial	ADJ
ejif-9019	292	7	inclusion	inclusion	NOUN
ejif-9019	292	8	,	,	PUNCT
ejif-9019	292	9	as	as	SCONJ
ejif-9019	292	10	experienced	experience	VERB
ejif-9019	292	11	by	by	ADP
ejif-9019	292	12	interviewees	interviewee	NOUN
ejif-9019	292	13	source	source	NOUN
ejif-9019	292	14	:	:	PUNCT
ejif-9019	292	15	authors	author	NOUN
ejif-9019	292	16	’	'	PUNCT
ejif-9019	292	17	elaboration	elaboration	NOUN
ejif-9019	292	18	the	the	DET
ejif-9019	292	19	final	final	ADJ
ejif-9019	292	20	theme	theme	NOUN
ejif-9019	292	21	explores	explore	NOUN
ejif-9019	292	22	interviewees	interviewee	NOUN
ejif-9019	292	23	'	'	PART
ejif-9019	292	24	opinions	opinion	NOUN
ejif-9019	292	25	on	on	ADP
ejif-9019	292	26	what	what	PRON
ejif-9019	292	27	should	should	AUX
ejif-9019	292	28	be	be	AUX
ejif-9019	292	29	done	do	VERB
ejif-9019	292	30	to	to	PART
ejif-9019	292	31	increase	increase	VERB
ejif-9019	292	32	the	the	DET
ejif-9019	292	33	level	level	NOUN
ejif-9019	292	34	of	of	ADP
ejif-9019	292	35	ifl	ifl	PROPN
ejif-9019	292	36	and	and	CCONJ
ejif-9019	292	37	ifi	ifi	PROPN
ejif-9019	292	38	among	among	ADP
ejif-9019	292	39	muslims	muslims	PROPN
ejif-9019	292	40	in	in	ADP
ejif-9019	292	41	thailand	thailand	PROPN
ejif-9019	292	42	's	's	PART
ejif-9019	292	43	five	five	NUM
ejif-9019	292	44	southernmost	southernmost	NOUN
ejif-9019	292	45	provinces	province	NOUN
ejif-9019	292	46	.	.	PUNCT
ejif-9019	293	1	according	accord	VERB
ejif-9019	293	2	to	to	ADP
ejif-9019	293	3	the	the	DET
ejif-9019	293	4	interview	interview	NOUN
ejif-9019	293	5	responses	response	NOUN
ejif-9019	293	6	,	,	PUNCT
ejif-9019	293	7	three	three	NUM
ejif-9019	293	8	main	main	ADJ
ejif-9019	293	9	strategies	strategy	NOUN
ejif-9019	293	10	can	can	AUX
ejif-9019	293	11	be	be	AUX
ejif-9019	293	12	undertaken	undertake	VERB
ejif-9019	293	13	to	to	PART
ejif-9019	293	14	facilitate	facilitate	VERB
ejif-9019	293	15	the	the	DET
ejif-9019	293	16	growth	growth	NOUN
ejif-9019	293	17	of	of	ADP
ejif-9019	293	18	ifl	ifl	PROPN
ejif-9019	293	19	in	in	ADP
ejif-9019	293	20	the	the	DET
ejif-9019	293	21	area	area	NOUN
ejif-9019	293	22	.	.	PUNCT
ejif-9019	294	1	firstly	firstly	ADV
ejif-9019	294	2	,	,	PUNCT
ejif-9019	294	3	all	all	DET
ejif-9019	294	4	the	the	DET
ejif-9019	294	5	interviewees	interviewee	NOUN
ejif-9019	294	6	suggested	suggest	VERB
ejif-9019	294	7	that	that	SCONJ
ejif-9019	294	8	the	the	DET
ejif-9019	294	9	islamic	islamic	PROPN
ejif-9019	294	10	finance	finance	NOUN
ejif-9019	294	11	syllabus	syllabus	NOUN
ejif-9019	294	12	must	must	AUX
ejif-9019	294	13	be	be	AUX
ejif-9019	294	14	developed	develop	VERB
ejif-9019	294	15	in	in	ADP
ejif-9019	294	16	islamic	islamic	ADJ
ejif-9019	294	17	educational	educational	ADJ
ejif-9019	294	18	systems	system	NOUN
ejif-9019	294	19	.	.	PUNCT
ejif-9019	295	1	this	this	DET
ejif-9019	295	2	recommendation	recommendation	NOUN
ejif-9019	295	3	is	be	AUX
ejif-9019	295	4	in	in	ADP
ejif-9019	295	5	line	line	NOUN
ejif-9019	295	6	with	with	ADP
ejif-9019	295	7	previous	previous	ADJ
ejif-9019	295	8	literature	literature	NOUN
ejif-9019	295	9	,	,	PUNCT
ejif-9019	295	10	including	include	VERB
ejif-9019	295	11	that	that	PRON
ejif-9019	295	12	of	of	ADP
ejif-9019	295	13	abdullah	abdullah	PROPN
ejif-9019	295	14	and	and	CCONJ
ejif-9019	295	15	razak	razak	PROPN
ejif-9019	295	16	(	(	PUNCT
ejif-9019	295	17	2015	2015	NUM
ejif-9019	295	18	)	)	PUNCT
ejif-9019	295	19	in	in	ADP
ejif-9019	295	20	brunei	brunei	PROPN
ejif-9019	295	21	,	,	PUNCT
ejif-9019	295	22	lahsasna	lahsasna	PROPN
ejif-9019	295	23	(	(	PUNCT
ejif-9019	295	24	2016	2016	NUM
ejif-9019	295	25	)	)	PUNCT
ejif-9019	295	26	in	in	ADP
ejif-9019	295	27	malaysia	malaysia	PROPN
ejif-9019	295	28	,	,	PUNCT
ejif-9019	295	29	and	and	CCONJ
ejif-9019	295	30	khotiawan	khotiawan	PROPN
ejif-9019	295	31	and	and	CCONJ
ejif-9019	295	32	luthfiansyah	luthfiansyah	NOUN
ejif-9019	295	33	(	(	PUNCT
ejif-9019	295	34	2017	2017	NUM
ejif-9019	295	35	)	)	PUNCT
ejif-9019	295	36	and	and	CCONJ
ejif-9019	295	37	sufyati	sufyati	NOUN
ejif-9019	295	38	(	(	PUNCT
ejif-9019	295	39	2021	2021	NUM
ejif-9019	295	40	)	)	PUNCT
ejif-9019	295	41	in	in	ADP
ejif-9019	295	42	indonesia	indonesia	PROPN
ejif-9019	295	43	,	,	PUNCT
ejif-9019	295	44	all	all	PRON
ejif-9019	295	45	of	of	ADP
ejif-9019	295	46	which	which	PRON
ejif-9019	295	47	support	support	VERB
ejif-9019	295	48	the	the	DET
ejif-9019	295	49	inclusion	inclusion	NOUN
ejif-9019	295	50	of	of	ADP
ejif-9019	295	51	islamic	islamic	ADJ
ejif-9019	295	52	finance	finance	NOUN
ejif-9019	295	53	courses	course	NOUN
ejif-9019	295	54	in	in	ADP
ejif-9019	295	55	their	their	PRON
ejif-9019	295	56	respective	respective	ADJ
ejif-9019	295	57	countries	country	NOUN
ejif-9019	295	58	.	.	PUNCT
ejif-9019	296	1	the	the	DET
ejif-9019	296	2	second	second	ADJ
ejif-9019	296	3	strategy	strategy	NOUN
ejif-9019	296	4	that	that	PRON
ejif-9019	296	5	could	could	AUX
ejif-9019	296	6	raise	raise	VERB
ejif-9019	296	7	the	the	DET
ejif-9019	296	8	level	level	NOUN
ejif-9019	296	9	of	of	ADP
ejif-9019	296	10	ifl	ifl	PROPN
ejif-9019	296	11	is	be	AUX
ejif-9019	296	12	to	to	PART
ejif-9019	296	13	train	train	VERB
ejif-9019	296	14	and	and	CCONJ
ejif-9019	296	15	develop	develop	VERB
ejif-9019	296	16	personnel	personnel	NOUN
ejif-9019	296	17	who	who	PRON
ejif-9019	296	18	work	work	VERB
ejif-9019	296	19	in	in	ADP
ejif-9019	296	20	islamic	islamic	ADJ
ejif-9019	296	21	financial	financial	ADJ
ejif-9019	296	22	-	-	PUNCT
ejif-9019	296	23	related	relate	VERB
ejif-9019	296	24	organisations	organisation	NOUN
ejif-9019	296	25	to	to	PART
ejif-9019	296	26	be	be	AUX
ejif-9019	296	27	knowledgeable	knowledgeable	ADJ
ejif-9019	296	28	and	and	CCONJ
ejif-9019	296	29	competent	competent	ADJ
ejif-9019	296	30	to	to	PART
ejif-9019	296	31	disseminate	disseminate	VERB
ejif-9019	296	32	ifl	ifl	PROPN
ejif-9019	296	33	to	to	ADP
ejif-9019	296	34	the	the	DET
ejif-9019	296	35	larger	large	ADJ
ejif-9019	296	36	population	population	NOUN
ejif-9019	296	37	.	.	PUNCT
ejif-9019	297	1	some	some	DET
ejif-9019	297	2	interviewees	interviewee	NOUN
ejif-9019	297	3	believed	believe	VERB
ejif-9019	297	4	this	this	DET
ejif-9019	297	5	strategy	strategy	NOUN
ejif-9019	297	6	is	be	AUX
ejif-9019	297	7	urgent	urgent	ADJ
ejif-9019	297	8	and	and	CCONJ
ejif-9019	297	9	important	important	ADJ
ejif-9019	297	10	because	because	SCONJ
ejif-9019	297	11	,	,	PUNCT
ejif-9019	297	12	if	if	SCONJ
ejif-9019	297	13	it	it	PRON
ejif-9019	297	14	fails	fail	VERB
ejif-9019	297	15	,	,	PUNCT
ejif-9019	297	16	the	the	DET
ejif-9019	297	17	other	other	ADJ
ejif-9019	297	18	strategies	strategy	NOUN
ejif-9019	297	19	might	might	AUX
ejif-9019	297	20	be	be	AUX
ejif-9019	297	21	hard	hard	ADJ
ejif-9019	297	22	to	to	PART
ejif-9019	297	23	implement	implement	VERB
ejif-9019	297	24	.	.	PUNCT
ejif-9019	298	1	lastly	lastly	ADV
ejif-9019	298	2	,	,	PUNCT
ejif-9019	298	3	interviewees	interviewee	NOUN
ejif-9019	298	4	primarily	primarily	ADV
ejif-9019	298	5	from	from	ADP
ejif-9019	298	6	islamic	islamic	ADJ
ejif-9019	298	7	banks	bank	NOUN
ejif-9019	298	8	,	,	PUNCT
ejif-9019	298	9	islamic	islamic	ADJ
ejif-9019	298	10	cooperatives	cooperative	NOUN
ejif-9019	298	11	,	,	PUNCT
ejif-9019	298	12	and	and	CCONJ
ejif-9019	298	13	non	non	ADJ
ejif-9019	298	14	-	-	ADJ
ejif-9019	298	15	bank	bank	ADJ
ejif-9019	298	16	islamic	islamic	ADJ
ejif-9019	298	17	financial	financial	ADJ
ejif-9019	298	18	institutions	institution	NOUN
ejif-9019	298	19	stated	state	VERB
ejif-9019	298	20	that	that	SCONJ
ejif-9019	298	21	enhancing	enhance	VERB
ejif-9019	298	22	public	public	ADJ
ejif-9019	298	23	understanding	understanding	NOUN
ejif-9019	298	24	of	of	ADP
ejif-9019	298	25	islamic	islamic	ADJ
ejif-9019	298	26	finance	finance	NOUN
ejif-9019	298	27	is	be	AUX
ejif-9019	298	28	necessary	necessary	ADJ
ejif-9019	298	29	to	to	PART
ejif-9019	298	30	increase	increase	VERB
ejif-9019	298	31	the	the	DET
ejif-9019	298	32	level	level	NOUN
ejif-9019	298	33	of	of	ADP
ejif-9019	298	34	ifl	ifl	PROPN
ejif-9019	298	35	in	in	ADP
ejif-9019	298	36	the	the	DET
ejif-9019	298	37	region	region	NOUN
ejif-9019	298	38	.	.	PUNCT
ejif-9019	299	1	according	accord	VERB
ejif-9019	299	2	to	to	ADP
ejif-9019	299	3	these	these	DET
ejif-9019	299	4	interviewees	interviewee	NOUN
ejif-9019	299	5	,	,	PUNCT
ejif-9019	299	6	seminars	seminar	NOUN
ejif-9019	299	7	,	,	PUNCT
ejif-9019	299	8	conferences	conference	NOUN
ejif-9019	299	9	,	,	PUNCT
ejif-9019	299	10	and	and	CCONJ
ejif-9019	299	11	public	public	ADJ
ejif-9019	299	12	talks	talk	NOUN
ejif-9019	299	13	are	be	AUX
ejif-9019	299	14	ways	way	NOUN
ejif-9019	299	15	to	to	PART
ejif-9019	299	16	raise	raise	VERB
ejif-9019	299	17	consciousness	consciousness	NOUN
ejif-9019	299	18	among	among	ADP
ejif-9019	299	19	the	the	DET
ejif-9019	299	20	target	target	NOUN
ejif-9019	299	21	population	population	NOUN
ejif-9019	299	22	.	.	PUNCT
ejif-9019	300	1	the	the	DET
ejif-9019	300	2	interviewees	interviewee	NOUN
ejif-9019	300	3	found	find	VERB
ejif-9019	300	4	a	a	DET
ejif-9019	300	5	variety	variety	NOUN
ejif-9019	300	6	of	of	ADP
ejif-9019	300	7	strategies	strategy	NOUN
ejif-9019	300	8	for	for	ADP
ejif-9019	300	9	increasing	increase	VERB
ejif-9019	300	10	ifi	ifi	NOUN
ejif-9019	300	11	among	among	ADP
ejif-9019	300	12	thai	thai	PROPN
ejif-9019	300	13	muslims	muslims	PROPN
ejif-9019	300	14	in	in	ADP
ejif-9019	300	15	the	the	DET
ejif-9019	300	16	five	five	NUM
ejif-9019	300	17	southern	southern	ADJ
ejif-9019	300	18	border	border	NOUN
ejif-9019	300	19	provinces	province	NOUN
ejif-9019	300	20	.	.	PUNCT
ejif-9019	301	1	to	to	PART
ejif-9019	301	2	begin	begin	VERB
ejif-9019	301	3	with	with	ADP
ejif-9019	301	4	,	,	PUNCT
ejif-9019	301	5	eleven	eleven	NUM
ejif-9019	301	6	of	of	ADP
ejif-9019	301	7	the	the	DET
ejif-9019	301	8	thirteen	thirteen	NUM
ejif-9019	301	9	interviewees	interviewee	NOUN
ejif-9019	301	10	believed	believe	VERB
ejif-9019	301	11	that	that	SCONJ
ejif-9019	301	12	government	government	NOUN
ejif-9019	301	13	support	support	NOUN
ejif-9019	301	14	is	be	AUX
ejif-9019	301	15	required	require	VERB
ejif-9019	301	16	to	to	PART
ejif-9019	301	17	expand	expand	VERB
ejif-9019	301	18	the	the	DET
ejif-9019	301	19	role	role	NOUN
ejif-9019	301	20	of	of	ADP
ejif-9019	301	21	islamic	islamic	ADJ
ejif-9019	301	22	finance	finance	NOUN
ejif-9019	301	23	in	in	ADP
ejif-9019	301	24	enhancing	enhance	VERB
ejif-9019	301	25	financial	financial	ADJ
ejif-9019	301	26	inclusion	inclusion	NOUN
ejif-9019	301	27	.	.	PUNCT
ejif-9019	302	1	they	they	PRON
ejif-9019	302	2	agreed	agree	VERB
ejif-9019	302	3	that	that	SCONJ
ejif-9019	302	4	more	more	ADJ
ejif-9019	302	5	infrastructure	infrastructure	NOUN
ejif-9019	302	6	and	and	CCONJ
ejif-9019	302	7	facilities	facility	NOUN
ejif-9019	302	8	should	should	AUX
ejif-9019	302	9	be	be	AUX
ejif-9019	302	10	needed	need	VERB
ejif-9019	302	11	to	to	PART
ejif-9019	302	12	support	support	VERB
ejif-9019	302	13	the	the	DET
ejif-9019	302	14	growth	growth	NOUN
ejif-9019	302	15	of	of	ADP
ejif-9019	302	16	shari'ah	shari'ah	ADJ
ejif-9019	302	17	financial	financial	ADJ
ejif-9019	302	18	services	service	NOUN
ejif-9019	302	19	in	in	ADP
ejif-9019	302	20	thailand	thailand	PROPN
ejif-9019	302	21	.	.	PUNCT
ejif-9019	303	1	in	in	ADP
ejif-9019	303	2	addition	addition	NOUN
ejif-9019	303	3	,	,	PUNCT
ejif-9019	303	4	some	some	DET
ejif-9019	303	5	interviewees	interviewee	NOUN
ejif-9019	303	6	noted	note	VERB
ejif-9019	303	7	that	that	SCONJ
ejif-9019	303	8	policies	policy	NOUN
ejif-9019	303	9	relating	relate	VERB
ejif-9019	303	10	to	to	ADP
ejif-9019	303	11	the	the	DET
ejif-9019	303	12	development	development	NOUN
ejif-9019	303	13	of	of	ADP
ejif-9019	303	14	the	the	DET
ejif-9019	303	15	islamic	islamic	ADJ
ejif-9019	303	16	financial	financial	ADJ
ejif-9019	303	17	system	system	NOUN
ejif-9019	303	18	in	in	ADP
ejif-9019	303	19	thailand	thailand	PROPN
ejif-9019	303	20	must	must	AUX
ejif-9019	303	21	also	also	ADV
ejif-9019	303	22	be	be	AUX
ejif-9019	303	23	consistent	consistent	ADJ
ejif-9019	303	24	and	and	CCONJ
ejif-9019	303	25	clear	clear	ADJ
ejif-9019	303	26	.	.	PUNCT
ejif-9019	304	1	the	the	DET
ejif-9019	304	2	data	datum	NOUN
ejif-9019	304	3	further	far	ADV
ejif-9019	304	4	indicated	indicate	VERB
ejif-9019	304	5	that	that	SCONJ
ejif-9019	304	6	more	more	ADJ
ejif-9019	304	7	than	than	ADP
ejif-9019	304	8	half	half	NOUN
ejif-9019	304	9	of	of	ADP
ejif-9019	304	10	the	the	DET
ejif-9019	304	11	interviewees	interviewee	NOUN
ejif-9019	304	12	recommended	recommend	VERB
ejif-9019	304	13	that	that	SCONJ
ejif-9019	304	14	islamic	islamic	ADJ
ejif-9019	304	15	financial	financial	ADJ
ejif-9019	304	16	institutions	institution	NOUN
ejif-9019	304	17	formulate	formulate	VERB
ejif-9019	304	18	marketing	marketing	NOUN
ejif-9019	304	19	strategies	strategy	NOUN
ejif-9019	304	20	to	to	PART
ejif-9019	304	21	promote	promote	VERB
ejif-9019	304	22	their	their	PRON
ejif-9019	304	23	existing	exist	VERB
ejif-9019	304	24	products	product	NOUN
ejif-9019	304	25	.	.	PUNCT
ejif-9019	305	1	these	these	DET
ejif-9019	305	2	interviewees	interviewee	NOUN
ejif-9019	305	3	claimed	claim	VERB
ejif-9019	305	4	that	that	SCONJ
ejif-9019	305	5	many	many	ADJ
ejif-9019	305	6	people	people	NOUN
ejif-9019	305	7	in	in	ADP
ejif-9019	305	8	the	the	DET
ejif-9019	305	9	area	area	NOUN
ejif-9019	305	10	are	be	AUX
ejif-9019	305	11	still	still	ADV
ejif-9019	305	12	unaware	unaware	ADJ
ejif-9019	305	13	of	of	ADP
ejif-9019	305	14	the	the	DET
ejif-9019	305	15	services	service	NOUN
ejif-9019	305	16	each	each	DET
ejif-9019	305	17	islamic	islamic	ADJ
ejif-9019	305	18	financial	financial	ADJ
ejif-9019	305	19	institution	institution	NOUN
ejif-9019	305	20	offers	offer	VERB
ejif-9019	305	21	and	and	CCONJ
ejif-9019	305	22	how	how	SCONJ
ejif-9019	305	23	these	these	DET
ejif-9019	305	24	services	service	NOUN
ejif-9019	305	25	can	can	AUX
ejif-9019	305	26	meet	meet	VERB
ejif-9019	305	27	their	their	PRON
ejif-9019	305	28	financial	financial	ADJ
ejif-9019	305	29	needs	need	NOUN
ejif-9019	305	30	.	.	PUNCT
ejif-9019	306	1	the	the	DET
ejif-9019	306	2	above	above	ADJ
ejif-9019	306	3	recommendation	recommendation	NOUN
ejif-9019	306	4	is	be	AUX
ejif-9019	306	5	in	in	ADP
ejif-9019	306	6	line	line	NOUN
ejif-9019	306	7	with	with	ADP
ejif-9019	306	8	the	the	DET
ejif-9019	306	9	empirical	empirical	ADJ
ejif-9019	306	10	studies	study	NOUN
ejif-9019	306	11	of	of	ADP
ejif-9019	306	12	basrowi	basrowi	NOUN
ejif-9019	306	13	et	et	PROPN
ejif-9019	306	14	al	al	PROPN
ejif-9019	306	15	.	.	PROPN
ejif-9019	307	1	(	(	PUNCT
ejif-9019	307	2	2020	2020	NUM
ejif-9019	307	3	)	)	PUNCT
ejif-9019	307	4	,	,	PUNCT
ejif-9019	307	5	which	which	PRON
ejif-9019	307	6	concluded	conclude	VERB
ejif-9019	307	7	that	that	SCONJ
ejif-9019	307	8	to	to	PART
ejif-9019	307	9	increase	increase	VERB
ejif-9019	307	10	ifi	ifi	PROPN
ejif-9019	307	11	,	,	PUNCT
ejif-9019	307	12	islamic	islamic	ADJ
ejif-9019	307	13	financial	financial	ADJ
ejif-9019	307	14	institutions	institution	NOUN
ejif-9019	307	15	should	should	AUX
ejif-9019	307	16	engage	engage	VERB
ejif-9019	307	17	in	in	ADP
ejif-9019	307	18	more	more	ADV
ejif-9019	307	19	intensive	intensive	ADJ
ejif-9019	307	20	marketing	marketing	NOUN
ejif-9019	307	21	communication	communication	NOUN
ejif-9019	307	22	,	,	PUNCT
ejif-9019	307	23	particularly	particularly	ADV
ejif-9019	307	24	regarding	regard	VERB
ejif-9019	307	25	religious	religious	ADJ
ejif-9019	307	26	understanding	understanding	NOUN
ejif-9019	307	27	.	.	PUNCT
ejif-9019	308	1	besides	besides	SCONJ
ejif-9019	308	2	,	,	PUNCT
ejif-9019	308	3	interviewees	interviewee	NOUN
ejif-9019	308	4	felt	feel	VERB
ejif-9019	308	5	product	product	NOUN
ejif-9019	308	6	innovation	innovation	NOUN
ejif-9019	308	7	could	could	AUX
ejif-9019	308	8	also	also	ADV
ejif-9019	308	9	play	play	VERB
ejif-9019	308	10	a	a	DET
ejif-9019	308	11	critical	critical	ADJ
ejif-9019	308	12	role	role	NOUN
ejif-9019	308	13	in	in	ADP
ejif-9019	308	14	expanding	expand	VERB
ejif-9019	308	15	the	the	DET
ejif-9019	308	16	use	use	NOUN
ejif-9019	308	17	of	of	ADP
ejif-9019	308	18	islamic	islamic	ADJ
ejif-9019	308	19	financial	financial	ADJ
ejif-9019	308	20	services	service	NOUN
ejif-9019	308	21	in	in	ADP
ejif-9019	308	22	thailand	thailand	PROPN
ejif-9019	308	23	's	's	PART
ejif-9019	308	24	deep	deep	ADJ
ejif-9019	308	25	southern	southern	ADJ
ejif-9019	308	26	provinces	province	NOUN
ejif-9019	308	27	.	.	PUNCT
ejif-9019	309	1	accordingly	accordingly	ADV
ejif-9019	309	2	,	,	PUNCT
ejif-9019	309	3	certain	certain	ADJ
ejif-9019	309	4	products	product	NOUN
ejif-9019	309	5	that	that	PRON
ejif-9019	309	6	are	be	AUX
ejif-9019	309	7	equivalent	equivalent	ADJ
ejif-9019	309	8	to	to	ADP
ejif-9019	309	9	and	and	CCONJ
ejif-9019	309	10	distinct	distinct	VERB
ejif-9019	309	11	from	from	ADP
ejif-9019	309	12	conventional	conventional	ADJ
ejif-9019	309	13	ones	one	NOUN
ejif-9019	309	14	must	must	AUX
ejif-9019	309	15	be	be	AUX
ejif-9019	309	16	developed	develop	VERB
ejif-9019	309	17	to	to	PART
ejif-9019	309	18	meet	meet	VERB
ejif-9019	309	19	the	the	DET
ejif-9019	309	20	demands	demand	NOUN
ejif-9019	309	21	of	of	ADP
ejif-9019	309	22	residents	resident	NOUN
ejif-9019	309	23	.	.	PUNCT
ejif-9019	310	1	finally	finally	ADV
ejif-9019	310	2	,	,	PUNCT
ejif-9019	310	3	a	a	DET
ejif-9019	310	4	few	few	ADJ
ejif-9019	310	5	interviewees	interviewee	NOUN
ejif-9019	310	6	suggested	suggest	VERB
ejif-9019	310	7	that	that	SCONJ
ejif-9019	310	8	the	the	DET
ejif-9019	310	9	country	country	NOUN
ejif-9019	310	10	establish	establish	VERB
ejif-9019	310	11	a	a	DET
ejif-9019	310	12	central	central	ADJ
ejif-9019	310	13	shari'ah	shari'ah	NOUN
ejif-9019	310	14	board	board	NOUN
ejif-9019	310	15	to	to	PART
ejif-9019	310	16	boost	boost	VERB
ejif-9019	310	17	23	23	NUM
ejif-9019	310	18	%	%	NOUN
ejif-9019	310	19	46,2	46,2	NUM
ejif-9019	310	20	%	%	NOUN
ejif-9019	310	21	61,5	61,5	PROPN
ejif-9019	310	22	%	%	NOUN
ejif-9019	310	23	84,6	84,6	NOUN
ejif-9019	310	24	%	%	NOUN
ejif-9019	310	25	0	0	NUM
ejif-9019	310	26	%	%	NOUN
ejif-9019	310	27	10	10	NUM
ejif-9019	310	28	%	%	NOUN
ejif-9019	310	29	20	20	NUM
ejif-9019	310	30	%	%	NOUN
ejif-9019	310	31	30	30	NUM
ejif-9019	310	32	%	%	NOUN
ejif-9019	310	33	40	40	NUM
ejif-9019	310	34	%	%	NOUN
ejif-9019	310	35	50	50	NUM
ejif-9019	310	36	%	%	NOUN
ejif-9019	310	37	60	60	NUM
ejif-9019	310	38	%	%	NOUN
ejif-9019	310	39	70	70	NUM
ejif-9019	310	40	%	%	NOUN
ejif-9019	310	41	80	80	NUM
ejif-9019	310	42	%	%	NOUN
ejif-9019	310	43	90	90	NUM
ejif-9019	310	44	%	%	NOUN
ejif-9019	310	45	lack	lack	NOUN
ejif-9019	310	46	of	of	ADP
ejif-9019	310	47	trust	trust	NOUN
ejif-9019	310	48	in	in	ADP
ejif-9019	310	49	a	a	DET
ejif-9019	310	50	financial	financial	ADJ
ejif-9019	310	51	institution	institution	NOUN
ejif-9019	310	52	lack	lack	NOUN
ejif-9019	310	53	of	of	ADP
ejif-9019	310	54	necessary	necessary	ADJ
ejif-9019	310	55	documentation	documentation	NOUN
ejif-9019	310	56	slow	slow	ADJ
ejif-9019	310	57	process	process	NOUN
ejif-9019	310	58	too	too	ADV
ejif-9019	310	59	expensive	expensive	ADJ
ejif-9019	310	60	european	european	ADJ
ejif-9019	310	61	journal	journal	PROPN
ejif-9019	310	62	of	of	ADP
ejif-9019	310	63	islamic	islamic	PROPN
ejif-9019	310	64	finance	finance	PROPN
ejif-9019	310	65	issn	issn	PROPN
ejif-9019	310	66	:	:	PUNCT
ejif-9019	310	67	2421	2421	NUM
ejif-9019	310	68	-	-	SYM
ejif-9019	310	69	2172	2172	NUM
ejif-9019	310	70	doi	doi	NOUN
ejif-9019	310	71	:	:	PUNCT
ejif-9019	310	72	10.13135/2421	10.13135/2421	NUM
ejif-9019	310	73	-	-	SYM
ejif-9019	310	74	2172/9019	2172/9019	NUM
ejif-9019	310	75	published	publish	VERB
ejif-9019	310	76	by	by	ADP
ejif-9019	310	77	university	university	PROPN
ejif-9019	310	78	of	of	ADP
ejif-9019	310	79	turin	turin	PROPN
ejif-9019	311	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	311	2	ejif	ejif	PROPN
ejif-9019	311	3	content	content	NOUN
ejif-9019	311	4	is	be	AUX
ejif-9019	311	5	licensed	license	VERB
ejif-9019	311	6	under	under	ADP
ejif-9019	311	7	a	a	DET
ejif-9019	311	8	creative	creative	ADJ
ejif-9019	311	9	commons	common	NOUN
ejif-9019	311	10	attribution	attribution	NOUN
ejif-9019	311	11	4.0	4.0	NUM
ejif-9019	311	12	international	international	ADJ
ejif-9019	311	13	license	license	NOUN
ejif-9019	311	14	15	15	NUM
ejif-9019	311	15	public	public	ADJ
ejif-9019	311	16	trust	trust	NOUN
ejif-9019	311	17	in	in	ADP
ejif-9019	311	18	islamic	islamic	ADJ
ejif-9019	311	19	financial	financial	ADJ
ejif-9019	311	20	institutions	institution	NOUN
ejif-9019	311	21	.	.	PUNCT
ejif-9019	312	1	according	accord	VERB
ejif-9019	312	2	to	to	ADP
ejif-9019	312	3	these	these	DET
ejif-9019	312	4	interviewees	interviewee	NOUN
ejif-9019	312	5	,	,	PUNCT
ejif-9019	312	6	having	have	VERB
ejif-9019	312	7	the	the	DET
ejif-9019	312	8	central	central	ADJ
ejif-9019	312	9	board	board	NOUN
ejif-9019	312	10	issue	issue	NOUN
ejif-9019	312	11	rulings	ruling	NOUN
ejif-9019	312	12	on	on	ADP
ejif-9019	312	13	islamic	islamic	ADJ
ejif-9019	312	14	financial	financial	ADJ
ejif-9019	312	15	products	product	NOUN
ejif-9019	312	16	would	would	AUX
ejif-9019	312	17	be	be	AUX
ejif-9019	312	18	more	more	ADV
ejif-9019	312	19	credible	credible	ADJ
ejif-9019	312	20	than	than	ADP
ejif-9019	312	21	allowing	allow	VERB
ejif-9019	312	22	each	each	DET
ejif-9019	312	23	islamic	islamic	ADJ
ejif-9019	312	24	financial	financial	ADJ
ejif-9019	312	25	institution	institution	NOUN
ejif-9019	312	26	to	to	PART
ejif-9019	312	27	do	do	VERB
ejif-9019	312	28	so	so	ADV
ejif-9019	312	29	.	.	PUNCT
ejif-9019	313	1	5	5	X
ejif-9019	313	2	.	.	X
ejif-9019	313	3	discussion	discussion	NOUN
ejif-9019	313	4	in	in	ADP
ejif-9019	313	5	this	this	DET
ejif-9019	313	6	study	study	NOUN
ejif-9019	313	7	,	,	PUNCT
ejif-9019	313	8	the	the	DET
ejif-9019	313	9	quantitative	quantitative	ADJ
ejif-9019	313	10	approach	approach	NOUN
ejif-9019	313	11	was	be	AUX
ejif-9019	313	12	chosen	choose	VERB
ejif-9019	313	13	as	as	ADP
ejif-9019	313	14	the	the	DET
ejif-9019	313	15	primary	primary	ADJ
ejif-9019	313	16	method	method	NOUN
ejif-9019	313	17	,	,	PUNCT
ejif-9019	313	18	with	with	ADP
ejif-9019	313	19	the	the	DET
ejif-9019	313	20	qualitative	qualitative	ADJ
ejif-9019	313	21	approach	approach	NOUN
ejif-9019	313	22	serving	serve	VERB
ejif-9019	313	23	as	as	ADP
ejif-9019	313	24	a	a	DET
ejif-9019	313	25	complement	complement	NOUN
ejif-9019	313	26	.	.	PUNCT
ejif-9019	314	1	this	this	DET
ejif-9019	314	2	section	section	NOUN
ejif-9019	314	3	will	will	AUX
ejif-9019	314	4	further	far	ADV
ejif-9019	314	5	elaborate	elaborate	VERB
ejif-9019	314	6	critical	critical	ADJ
ejif-9019	314	7	reflections	reflection	NOUN
ejif-9019	314	8	on	on	ADP
ejif-9019	314	9	the	the	DET
ejif-9019	314	10	key	key	ADJ
ejif-9019	314	11	findings	finding	NOUN
ejif-9019	314	12	of	of	ADP
ejif-9019	314	13	quantitative	quantitative	ADJ
ejif-9019	314	14	data	datum	NOUN
ejif-9019	314	15	using	use	VERB
ejif-9019	314	16	detailed	detailed	ADJ
ejif-9019	314	17	qualitative	qualitative	ADJ
ejif-9019	314	18	data	datum	NOUN
ejif-9019	314	19	.	.	PUNCT
ejif-9019	315	1	regarding	regard	VERB
ejif-9019	315	2	the	the	DET
ejif-9019	315	3	current	current	ADJ
ejif-9019	315	4	state	state	NOUN
ejif-9019	315	5	of	of	ADP
ejif-9019	315	6	ifl	ifl	PROPN
ejif-9019	315	7	in	in	ADP
ejif-9019	315	8	thailand	thailand	PROPN
ejif-9019	315	9	's	's	PART
ejif-9019	315	10	deep	deep	ADJ
ejif-9019	315	11	south	south	PROPN
ejif-9019	315	12	provinces	province	NOUN
ejif-9019	315	13	,	,	PUNCT
ejif-9019	315	14	the	the	DET
ejif-9019	315	15	findings	finding	NOUN
ejif-9019	315	16	from	from	ADP
ejif-9019	315	17	questionnaires	questionnaire	NOUN
ejif-9019	315	18	show	show	VERB
ejif-9019	315	19	that	that	SCONJ
ejif-9019	315	20	most	most	ADJ
ejif-9019	315	21	respondents	respondent	NOUN
ejif-9019	315	22	are	be	AUX
ejif-9019	315	23	only	only	ADV
ejif-9019	315	24	familiar	familiar	ADJ
ejif-9019	315	25	with	with	ADP
ejif-9019	315	26	fundamental	fundamental	ADJ
ejif-9019	315	27	islamic	islamic	ADJ
ejif-9019	315	28	financial	financial	ADJ
ejif-9019	315	29	knowledge	knowledge	NOUN
ejif-9019	315	30	.	.	PUNCT
ejif-9019	316	1	they	they	PRON
ejif-9019	316	2	still	still	ADV
ejif-9019	316	3	struggle	struggle	VERB
ejif-9019	316	4	to	to	PART
ejif-9019	316	5	answer	answer	VERB
ejif-9019	316	6	more	more	ADV
ejif-9019	316	7	complex	complex	ADJ
ejif-9019	316	8	questions	question	NOUN
ejif-9019	316	9	about	about	ADP
ejif-9019	316	10	islamic	islamic	ADJ
ejif-9019	316	11	financial	financial	ADJ
ejif-9019	316	12	terms	term	NOUN
ejif-9019	316	13	and	and	CCONJ
ejif-9019	316	14	products	product	NOUN
ejif-9019	316	15	.	.	PUNCT
ejif-9019	317	1	these	these	DET
ejif-9019	317	2	findings	finding	NOUN
ejif-9019	317	3	were	be	AUX
ejif-9019	317	4	consistent	consistent	ADJ
ejif-9019	317	5	with	with	ADP
ejif-9019	317	6	the	the	DET
ejif-9019	317	7	responses	response	NOUN
ejif-9019	317	8	of	of	ADP
ejif-9019	317	9	many	many	ADJ
ejif-9019	317	10	interviewees	interviewee	NOUN
ejif-9019	317	11	,	,	PUNCT
ejif-9019	317	12	who	who	PRON
ejif-9019	317	13	stated	state	VERB
ejif-9019	317	14	that	that	SCONJ
ejif-9019	317	15	most	most	ADJ
ejif-9019	317	16	local	local	ADJ
ejif-9019	317	17	muslims	muslim	NOUN
ejif-9019	317	18	correctly	correctly	ADV
ejif-9019	317	19	understand	understand	VERB
ejif-9019	317	20	islamic	islamic	ADJ
ejif-9019	317	21	beliefs	belief	NOUN
ejif-9019	317	22	.	.	PUNCT
ejif-9019	318	1	still	still	ADV
ejif-9019	318	2	,	,	PUNCT
ejif-9019	318	3	when	when	SCONJ
ejif-9019	318	4	it	it	PRON
ejif-9019	318	5	comes	come	VERB
ejif-9019	318	6	to	to	ADP
ejif-9019	318	7	islamic	islamic	ADJ
ejif-9019	318	8	finance	finance	NOUN
ejif-9019	318	9	,	,	PUNCT
ejif-9019	318	10	they	they	PRON
ejif-9019	318	11	are	be	AUX
ejif-9019	318	12	relatively	relatively	ADV
ejif-9019	318	13	ignorant	ignorant	ADJ
ejif-9019	318	14	.	.	PUNCT
ejif-9019	319	1	moreover	moreover	ADV
ejif-9019	319	2	,	,	PUNCT
ejif-9019	319	3	although	although	SCONJ
ejif-9019	319	4	respondents	respondent	NOUN
ejif-9019	319	5	were	be	AUX
ejif-9019	319	6	aware	aware	ADJ
ejif-9019	319	7	of	of	ADP
ejif-9019	319	8	the	the	DET
ejif-9019	319	9	availability	availability	NOUN
ejif-9019	319	10	of	of	ADP
ejif-9019	319	11	islamic	islamic	ADJ
ejif-9019	319	12	financial	financial	PROPN
ejif-9019	319	13	services	services	PROPN
ejif-9019	319	14	,	,	PUNCT
ejif-9019	319	15	data	datum	NOUN
ejif-9019	319	16	from	from	ADP
ejif-9019	319	17	the	the	DET
ejif-9019	319	18	questionnaire	questionnaire	NOUN
ejif-9019	319	19	show	show	VERB
ejif-9019	319	20	that	that	SCONJ
ejif-9019	319	21	they	they	PRON
ejif-9019	319	22	had	have	VERB
ejif-9019	319	23	a	a	DET
ejif-9019	319	24	negative	negative	ADJ
ejif-9019	319	25	attitude	attitude	NOUN
ejif-9019	319	26	toward	toward	ADP
ejif-9019	319	27	the	the	DET
ejif-9019	319	28	operations	operation	NOUN
ejif-9019	319	29	of	of	ADP
ejif-9019	319	30	islamic	islamic	ADJ
ejif-9019	319	31	banks	bank	NOUN
ejif-9019	319	32	,	,	PUNCT
ejif-9019	319	33	as	as	SCONJ
ejif-9019	319	34	they	they	PRON
ejif-9019	319	35	perceived	perceive	VERB
ejif-9019	319	36	no	no	DET
ejif-9019	319	37	significant	significant	ADJ
ejif-9019	319	38	difference	difference	NOUN
ejif-9019	319	39	between	between	ADP
ejif-9019	319	40	islamic	islamic	ADJ
ejif-9019	319	41	and	and	CCONJ
ejif-9019	319	42	conventional	conventional	ADJ
ejif-9019	319	43	banks	bank	NOUN
ejif-9019	319	44	.	.	PUNCT
ejif-9019	320	1	this	this	DET
ejif-9019	320	2	result	result	NOUN
ejif-9019	320	3	is	be	AUX
ejif-9019	320	4	consistent	consistent	ADJ
ejif-9019	320	5	with	with	ADP
ejif-9019	320	6	information	information	NOUN
ejif-9019	320	7	obtained	obtain	VERB
ejif-9019	320	8	from	from	ADP
ejif-9019	320	9	informants	informant	NOUN
ejif-9019	320	10	working	work	VERB
ejif-9019	320	11	in	in	ADP
ejif-9019	320	12	islamic	islamic	ADJ
ejif-9019	320	13	banks	bank	NOUN
ejif-9019	320	14	,	,	PUNCT
ejif-9019	320	15	where	where	SCONJ
ejif-9019	320	16	they	they	PRON
ejif-9019	320	17	frequently	frequently	ADV
ejif-9019	320	18	encounter	encounter	VERB
ejif-9019	320	19	customers	customer	NOUN
ejif-9019	320	20	who	who	PRON
ejif-9019	320	21	come	come	VERB
ejif-9019	320	22	to	to	PART
ejif-9019	320	23	use	use	VERB
ejif-9019	320	24	the	the	DET
ejif-9019	320	25	service	service	NOUN
ejif-9019	320	26	and	and	CCONJ
ejif-9019	320	27	inquire	inquire	VERB
ejif-9019	320	28	about	about	ADP
ejif-9019	320	29	the	the	DET
ejif-9019	320	30	percentage	percentage	NOUN
ejif-9019	320	31	of	of	ADP
ejif-9019	320	32	the	the	DET
ejif-9019	320	33	interest	interest	NOUN
ejif-9019	320	34	rate	rate	NOUN
ejif-9019	320	35	charged	charge	VERB
ejif-9019	320	36	by	by	ADP
ejif-9019	320	37	islamic	islamic	ADJ
ejif-9019	320	38	banks	bank	NOUN
ejif-9019	320	39	.	.	PUNCT
ejif-9019	321	1	regarding	regard	VERB
ejif-9019	321	2	islamic	islamic	ADJ
ejif-9019	321	3	financial	financial	ADJ
ejif-9019	321	4	behaviour	behaviour	NOUN
ejif-9019	321	5	,	,	PUNCT
ejif-9019	321	6	the	the	DET
ejif-9019	321	7	questionnaire	questionnaire	NOUN
ejif-9019	321	8	findings	finding	NOUN
ejif-9019	321	9	showed	show	VERB
ejif-9019	321	10	that	that	SCONJ
ejif-9019	321	11	most	most	ADJ
ejif-9019	321	12	respondents	respondent	NOUN
ejif-9019	321	13	could	could	AUX
ejif-9019	321	14	manage	manage	VERB
ejif-9019	321	15	their	their	PRON
ejif-9019	321	16	finances	finance	NOUN
ejif-9019	321	17	in	in	ADP
ejif-9019	321	18	line	line	NOUN
ejif-9019	321	19	with	with	ADP
ejif-9019	321	20	shari’ah	shari’ah	NOUN
ejif-9019	321	21	principles	principle	NOUN
ejif-9019	321	22	.	.	PUNCT
ejif-9019	322	1	however	however	ADV
ejif-9019	322	2	,	,	PUNCT
ejif-9019	322	3	the	the	DET
ejif-9019	322	4	interview	interview	NOUN
ejif-9019	322	5	information	information	NOUN
ejif-9019	322	6	disclosed	disclose	VERB
ejif-9019	322	7	that	that	SCONJ
ejif-9019	322	8	many	many	ADJ
ejif-9019	322	9	muslim	muslim	ADJ
ejif-9019	322	10	customers	customer	NOUN
ejif-9019	322	11	who	who	PRON
ejif-9019	322	12	received	receive	VERB
ejif-9019	322	13	microloans	microloan	NOUN
ejif-9019	322	14	from	from	ADP
ejif-9019	322	15	ibank	ibank	PROPN
ejif-9019	322	16	had	have	VERB
ejif-9019	322	17	issues	issue	NOUN
ejif-9019	322	18	with	with	ADP
ejif-9019	322	19	debt	debt	NOUN
ejif-9019	322	20	defaults	default	NOUN
ejif-9019	322	21	.	.	PUNCT
ejif-9019	323	1	these	these	DET
ejif-9019	323	2	results	result	NOUN
ejif-9019	323	3	imply	imply	VERB
ejif-9019	323	4	that	that	SCONJ
ejif-9019	323	5	some	some	DET
ejif-9019	323	6	respondents	respondent	NOUN
ejif-9019	323	7	may	may	AUX
ejif-9019	323	8	have	have	AUX
ejif-9019	323	9	exaggerated	exaggerate	VERB
ejif-9019	323	10	their	their	PRON
ejif-9019	323	11	financial	financial	ADJ
ejif-9019	323	12	behaviours	behaviour	NOUN
ejif-9019	323	13	.	.	PUNCT
ejif-9019	324	1	in	in	ADP
ejif-9019	324	2	summary	summary	NOUN
ejif-9019	324	3	,	,	PUNCT
ejif-9019	324	4	the	the	DET
ejif-9019	324	5	level	level	NOUN
ejif-9019	324	6	of	of	ADP
ejif-9019	324	7	ifl	ifl	PROPN
ejif-9019	324	8	of	of	ADP
ejif-9019	324	9	the	the	DET
ejif-9019	324	10	sample	sample	NOUN
ejif-9019	324	11	of	of	ADP
ejif-9019	324	12	muslims	muslims	PROPN
ejif-9019	324	13	in	in	ADP
ejif-9019	324	14	thailand	thailand	PROPN
ejif-9019	324	15	’s	’s	PART
ejif-9019	324	16	five	five	NUM
ejif-9019	324	17	southernmost	southernmost	NOUN
ejif-9019	324	18	provinces	province	NOUN
ejif-9019	324	19	can	can	AUX
ejif-9019	324	20	be	be	AUX
ejif-9019	324	21	classified	classify	VERB
ejif-9019	324	22	as	as	ADP
ejif-9019	324	23	neutral	neutral	ADJ
ejif-9019	324	24	to	to	ADP
ejif-9019	324	25	positive	positive	ADJ
ejif-9019	324	26	since	since	SCONJ
ejif-9019	324	27	the	the	DET
ejif-9019	324	28	total	total	ADJ
ejif-9019	324	29	score	score	NOUN
ejif-9019	324	30	was	be	AUX
ejif-9019	324	31	just	just	ADV
ejif-9019	324	32	above	above	ADP
ejif-9019	324	33	the	the	DET
ejif-9019	324	34	average	average	NOUN
ejif-9019	324	35	.	.	PUNCT
ejif-9019	325	1	however	however	ADV
ejif-9019	325	2	,	,	PUNCT
ejif-9019	325	3	based	base	VERB
ejif-9019	325	4	on	on	ADP
ejif-9019	325	5	the	the	DET
ejif-9019	325	6	scores	score	NOUN
ejif-9019	325	7	of	of	ADP
ejif-9019	325	8	each	each	DET
ejif-9019	325	9	dimension	dimension	NOUN
ejif-9019	325	10	,	,	PUNCT
ejif-9019	325	11	advocates	advocate	NOUN
ejif-9019	325	12	for	for	ADP
ejif-9019	325	13	financial	financial	ADJ
ejif-9019	325	14	literacy	literacy	NOUN
ejif-9019	325	15	need	need	VERB
ejif-9019	325	16	to	to	PART
ejif-9019	325	17	take	take	VERB
ejif-9019	325	18	measures	measure	NOUN
ejif-9019	325	19	and	and	CCONJ
ejif-9019	325	20	steps	step	NOUN
ejif-9019	325	21	to	to	PART
ejif-9019	325	22	improve	improve	VERB
ejif-9019	325	23	islamic	islamic	ADJ
ejif-9019	325	24	financial	financial	ADJ
ejif-9019	325	25	knowledge	knowledge	NOUN
ejif-9019	325	26	and	and	CCONJ
ejif-9019	325	27	change	change	VERB
ejif-9019	325	28	the	the	DET
ejif-9019	325	29	islamic	islamic	ADJ
ejif-9019	325	30	financial	financial	ADJ
ejif-9019	325	31	attitude	attitude	NOUN
ejif-9019	325	32	of	of	ADP
ejif-9019	325	33	the	the	DET
ejif-9019	325	34	muslims	muslim	NOUN
ejif-9019	325	35	in	in	ADP
ejif-9019	325	36	the	the	DET
ejif-9019	325	37	area	area	NOUN
ejif-9019	325	38	.	.	PUNCT
ejif-9019	326	1	they	they	PRON
ejif-9019	326	2	can	can	AUX
ejif-9019	326	3	apply	apply	VERB
ejif-9019	326	4	their	their	PRON
ejif-9019	326	5	knowledge	knowledge	NOUN
ejif-9019	326	6	and	and	CCONJ
ejif-9019	326	7	understanding	understanding	NOUN
ejif-9019	326	8	to	to	PART
ejif-9019	326	9	support	support	VERB
ejif-9019	326	10	their	their	PRON
ejif-9019	326	11	islamic	islamic	ADJ
ejif-9019	326	12	financial	financial	ADJ
ejif-9019	326	13	behaviour	behaviour	NOUN
ejif-9019	326	14	by	by	ADP
ejif-9019	326	15	doing	do	VERB
ejif-9019	326	16	so	so	ADV
ejif-9019	326	17	.	.	PUNCT
ejif-9019	327	1	regarding	regard	VERB
ejif-9019	327	2	the	the	DET
ejif-9019	327	3	current	current	ADJ
ejif-9019	327	4	trends	trend	NOUN
ejif-9019	327	5	of	of	ADP
ejif-9019	327	6	ifi	ifi	PROPN
ejif-9019	327	7	in	in	ADP
ejif-9019	327	8	the	the	DET
ejif-9019	327	9	area	area	NOUN
ejif-9019	327	10	,	,	PUNCT
ejif-9019	327	11	the	the	DET
ejif-9019	327	12	survey	survey	NOUN
ejif-9019	327	13	results	result	NOUN
ejif-9019	327	14	showed	show	VERB
ejif-9019	327	15	that	that	SCONJ
ejif-9019	327	16	over	over	ADP
ejif-9019	327	17	half	half	NOUN
ejif-9019	327	18	of	of	ADP
ejif-9019	327	19	the	the	DET
ejif-9019	327	20	respondents	respondent	NOUN
ejif-9019	327	21	were	be	AUX
ejif-9019	327	22	excluded	exclude	VERB
ejif-9019	327	23	from	from	ADP
ejif-9019	327	24	islamic	islamic	ADJ
ejif-9019	327	25	financial	financial	ADJ
ejif-9019	327	26	services	service	NOUN
ejif-9019	327	27	.	.	PUNCT
ejif-9019	328	1	for	for	ADP
ejif-9019	328	2	those	those	PRON
ejif-9019	328	3	included	include	VERB
ejif-9019	328	4	,	,	PUNCT
ejif-9019	328	5	the	the	DET
ejif-9019	328	6	most	most	ADV
ejif-9019	328	7	used	use	VERB
ejif-9019	328	8	products	product	NOUN
ejif-9019	328	9	are	be	AUX
ejif-9019	328	10	deposits	deposit	NOUN
ejif-9019	328	11	,	,	PUNCT
ejif-9019	328	12	while	while	SCONJ
ejif-9019	328	13	the	the	DET
ejif-9019	328	14	number	number	NOUN
ejif-9019	328	15	of	of	ADP
ejif-9019	328	16	respondents	respondent	NOUN
ejif-9019	328	17	using	use	VERB
ejif-9019	328	18	islamic	islamic	ADJ
ejif-9019	328	19	credit	credit	NOUN
ejif-9019	328	20	,	,	PUNCT
ejif-9019	328	21	takaful	takaful	ADJ
ejif-9019	328	22	,	,	PUNCT
ejif-9019	328	23	and	and	CCONJ
ejif-9019	328	24	shari’ah	shari’ah	NOUN
ejif-9019	328	25	-	-	PUNCT
ejif-9019	328	26	compliant	compliant	ADJ
ejif-9019	328	27	investment	investment	NOUN
ejif-9019	328	28	products	product	NOUN
ejif-9019	328	29	is	be	AUX
ejif-9019	328	30	relatively	relatively	ADV
ejif-9019	328	31	low	low	ADJ
ejif-9019	328	32	.	.	PUNCT
ejif-9019	329	1	this	this	DET
ejif-9019	329	2	finding	finding	NOUN
ejif-9019	329	3	is	be	AUX
ejif-9019	329	4	consistent	consistent	ADJ
ejif-9019	329	5	with	with	ADP
ejif-9019	329	6	information	information	NOUN
ejif-9019	329	7	obtained	obtain	VERB
ejif-9019	329	8	from	from	ADP
ejif-9019	329	9	interview	interview	NOUN
ejif-9019	329	10	participants	participant	NOUN
ejif-9019	329	11	,	,	PUNCT
ejif-9019	329	12	who	who	PRON
ejif-9019	329	13	observed	observe	VERB
ejif-9019	329	14	that	that	SCONJ
ejif-9019	329	15	muslim	muslim	ADJ
ejif-9019	329	16	customers	customer	NOUN
ejif-9019	329	17	of	of	ADP
ejif-9019	329	18	islamic	islamic	ADJ
ejif-9019	329	19	banks	bank	NOUN
ejif-9019	329	20	and	and	CCONJ
ejif-9019	329	21	cooperatives	cooperative	NOUN
ejif-9019	329	22	primarily	primarily	ADV
ejif-9019	329	23	use	use	VERB
ejif-9019	329	24	deposit	deposit	NOUN
ejif-9019	329	25	services	service	NOUN
ejif-9019	329	26	and	and	CCONJ
ejif-9019	329	27	show	show	VERB
ejif-9019	329	28	little	little	ADJ
ejif-9019	329	29	interest	interest	NOUN
ejif-9019	329	30	in	in	ADP
ejif-9019	329	31	applying	apply	VERB
ejif-9019	329	32	for	for	ADP
ejif-9019	329	33	loans	loan	NOUN
ejif-9019	329	34	.	.	PUNCT
ejif-9019	330	1	as	as	ADP
ejif-9019	330	2	for	for	ADP
ejif-9019	330	3	takaful	takaful	ADJ
ejif-9019	330	4	,	,	PUNCT
ejif-9019	330	5	despite	despite	SCONJ
ejif-9019	330	6	having	have	VERB
ejif-9019	330	7	branches	branch	NOUN
ejif-9019	330	8	in	in	ADP
ejif-9019	330	9	every	every	DET
ejif-9019	330	10	province	province	NOUN
ejif-9019	330	11	,	,	PUNCT
ejif-9019	330	12	the	the	DET
ejif-9019	330	13	proportion	proportion	NOUN
ejif-9019	330	14	of	of	ADP
ejif-9019	330	15	policyholders	policyholder	NOUN
ejif-9019	330	16	remains	remain	VERB
ejif-9019	330	17	small	small	ADJ
ejif-9019	330	18	.	.	PUNCT
ejif-9019	331	1	meanwhile	meanwhile	ADV
ejif-9019	331	2	,	,	PUNCT
ejif-9019	331	3	the	the	DET
ejif-9019	331	4	informant	informant	NOUN
ejif-9019	331	5	from	from	ADP
ejif-9019	331	6	the	the	DET
ejif-9019	331	7	islamic	islamic	PROPN
ejif-9019	331	8	investment	investment	NOUN
ejif-9019	331	9	firm	firm	NOUN
ejif-9019	331	10	reports	report	VERB
ejif-9019	331	11	that	that	SCONJ
ejif-9019	331	12	the	the	DET
ejif-9019	331	13	company	company	NOUN
ejif-9019	331	14	has	have	VERB
ejif-9019	331	15	almost	almost	ADV
ejif-9019	331	16	no	no	DET
ejif-9019	331	17	local	local	ADJ
ejif-9019	331	18	customers	customer	NOUN
ejif-9019	331	19	.	.	PUNCT
ejif-9019	332	1	this	this	PRON
ejif-9019	332	2	may	may	AUX
ejif-9019	332	3	be	be	AUX
ejif-9019	332	4	attributed	attribute	VERB
ejif-9019	332	5	to	to	ADP
ejif-9019	332	6	the	the	DET
ejif-9019	332	7	company	company	NOUN
ejif-9019	332	8	not	not	PART
ejif-9019	332	9	having	have	VERB
ejif-9019	332	10	offices	office	NOUN
ejif-9019	332	11	and	and	CCONJ
ejif-9019	332	12	brokers	broker	NOUN
ejif-9019	332	13	operating	operate	VERB
ejif-9019	332	14	in	in	ADP
ejif-9019	332	15	the	the	DET
ejif-9019	332	16	area	area	NOUN
ejif-9019	332	17	.	.	PUNCT
ejif-9019	333	1	in	in	ADP
ejif-9019	333	2	terms	term	NOUN
ejif-9019	333	3	of	of	ADP
ejif-9019	333	4	islamic	islamic	ADJ
ejif-9019	333	5	financial	financial	ADJ
ejif-9019	333	6	usage	usage	NOUN
ejif-9019	333	7	,	,	PUNCT
ejif-9019	333	8	the	the	DET
ejif-9019	333	9	statistical	statistical	ADJ
ejif-9019	333	10	analysis	analysis	NOUN
ejif-9019	333	11	demonstrated	demonstrate	VERB
ejif-9019	333	12	that	that	SCONJ
ejif-9019	333	13	only	only	ADV
ejif-9019	333	14	onefifth	onefifth	ADJ
ejif-9019	333	15	of	of	ADP
ejif-9019	333	16	respondents	respondent	NOUN
ejif-9019	333	17	used	use	VERB
ejif-9019	333	18	services	service	NOUN
ejif-9019	333	19	with	with	ADP
ejif-9019	333	20	islamic	islamic	ADJ
ejif-9019	333	21	financial	financial	ADJ
ejif-9019	333	22	institutions	institution	NOUN
ejif-9019	333	23	over	over	ADP
ejif-9019	333	24	the	the	DET
ejif-9019	333	25	past	past	ADJ
ejif-9019	333	26	12	12	NUM
ejif-9019	333	27	months	month	NOUN
ejif-9019	333	28	.	.	PUNCT
ejif-9019	334	1	the	the	DET
ejif-9019	334	2	semi	semi	ADJ
ejif-9019	334	3	-	-	ADJ
ejif-9019	334	4	structured	structured	ADJ
ejif-9019	334	5	interviews	interview	NOUN
ejif-9019	334	6	also	also	ADV
ejif-9019	334	7	showed	show	VERB
ejif-9019	334	8	that	that	SCONJ
ejif-9019	334	9	most	most	ADJ
ejif-9019	334	10	islamic	islamic	ADJ
ejif-9019	334	11	financial	financial	ADJ
ejif-9019	334	12	institution	institution	NOUN
ejif-9019	334	13	clients	client	NOUN
ejif-9019	334	14	have	have	VERB
ejif-9019	334	15	few	few	ADJ
ejif-9019	334	16	transaction	transaction	NOUN
ejif-9019	334	17	records	record	NOUN
ejif-9019	334	18	.	.	PUNCT
ejif-9019	335	1	therefore	therefore	ADV
ejif-9019	335	2	,	,	PUNCT
ejif-9019	335	3	islamic	islamic	ADJ
ejif-9019	335	4	financial	financial	ADJ
ejif-9019	335	5	institutions	institution	NOUN
ejif-9019	335	6	must	must	AUX
ejif-9019	335	7	encourage	encourage	VERB
ejif-9019	335	8	their	their	PRON
ejif-9019	335	9	clients	client	NOUN
ejif-9019	335	10	to	to	PART
ejif-9019	335	11	increase	increase	VERB
ejif-9019	335	12	the	the	DET
ejif-9019	335	13	frequency	frequency	NOUN
ejif-9019	335	14	of	of	ADP
ejif-9019	335	15	use	use	NOUN
ejif-9019	335	16	to	to	PART
ejif-9019	335	17	create	create	VERB
ejif-9019	335	18	a	a	DET
ejif-9019	335	19	transaction	transaction	NOUN
ejif-9019	335	20	history	history	NOUN
ejif-9019	335	21	that	that	PRON
ejif-9019	335	22	lenders	lender	NOUN
ejif-9019	335	23	can	can	AUX
ejif-9019	335	24	use	use	VERB
ejif-9019	335	25	as	as	ADP
ejif-9019	335	26	a	a	DET
ejif-9019	335	27	basis	basis	NOUN
ejif-9019	335	28	for	for	ADP
ejif-9019	335	29	credit	credit	NOUN
ejif-9019	335	30	approval	approval	NOUN
ejif-9019	335	31	.	.	PUNCT
ejif-9019	336	1	in	in	ADP
ejif-9019	336	2	short	short	ADJ
ejif-9019	336	3	,	,	PUNCT
ejif-9019	336	4	many	many	ADJ
ejif-9019	336	5	muslims	muslim	NOUN
ejif-9019	336	6	in	in	ADP
ejif-9019	336	7	the	the	DET
ejif-9019	336	8	five	five	NUM
ejif-9019	336	9	southernmost	southernmost	NOUN
ejif-9019	336	10	provinces	province	NOUN
ejif-9019	336	11	are	be	AUX
ejif-9019	336	12	still	still	ADV
ejif-9019	336	13	unable	unable	ADJ
ejif-9019	336	14	to	to	PART
ejif-9019	336	15	access	access	VERB
ejif-9019	336	16	and	and	CCONJ
ejif-9019	336	17	use	use	VERB
ejif-9019	336	18	the	the	DET
ejif-9019	336	19	services	service	NOUN
ejif-9019	336	20	of	of	ADP
ejif-9019	336	21	islamic	islamic	ADJ
ejif-9019	336	22	financial	financial	ADJ
ejif-9019	336	23	institutions	institution	NOUN
ejif-9019	336	24	.	.	PUNCT
ejif-9019	337	1	as	as	ADP
ejif-9019	337	2	a	a	DET
ejif-9019	337	3	result	result	NOUN
ejif-9019	337	4	,	,	PUNCT
ejif-9019	337	5	the	the	DET
ejif-9019	337	6	low	low	ADJ
ejif-9019	337	7	levels	level	NOUN
ejif-9019	337	8	of	of	ADP
ejif-9019	337	9	people	people	NOUN
ejif-9019	337	10	utilising	utilise	VERB
ejif-9019	337	11	islamic	islamic	ADJ
ejif-9019	337	12	financial	financial	ADJ
ejif-9019	337	13	products	product	NOUN
ejif-9019	337	14	could	could	AUX
ejif-9019	337	15	pose	pose	VERB
ejif-9019	337	16	a	a	DET
ejif-9019	337	17	financial	financial	ADJ
ejif-9019	337	18	risk	risk	NOUN
ejif-9019	337	19	to	to	ADP
ejif-9019	337	20	islamic	islamic	ADJ
ejif-9019	337	21	financial	financial	ADJ
ejif-9019	337	22	institutions	institution	NOUN
ejif-9019	337	23	operating	operate	VERB
ejif-9019	337	24	in	in	ADP
ejif-9019	337	25	the	the	DET
ejif-9019	337	26	area	area	NOUN
ejif-9019	337	27	.	.	PUNCT
ejif-9019	338	1	european	european	PROPN
ejif-9019	338	2	journal	journal	PROPN
ejif-9019	338	3	of	of	ADP
ejif-9019	338	4	islamic	islamic	PROPN
ejif-9019	338	5	finance	finance	PROPN
ejif-9019	338	6	issn	issn	PROPN
ejif-9019	338	7	:	:	PUNCT
ejif-9019	338	8	2421	2421	NUM
ejif-9019	338	9	-	-	SYM
ejif-9019	338	10	2172	2172	NUM
ejif-9019	338	11	doi	doi	NOUN
ejif-9019	338	12	:	:	PUNCT
ejif-9019	338	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	338	14	-	-	SYM
ejif-9019	338	15	2172/9019	2172/9019	NUM
ejif-9019	338	16	published	publish	VERB
ejif-9019	338	17	by	by	ADP
ejif-9019	338	18	university	university	PROPN
ejif-9019	338	19	of	of	ADP
ejif-9019	338	20	turin	turin	PROPN
ejif-9019	339	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	339	2	ejif	ejif	PROPN
ejif-9019	339	3	content	content	NOUN
ejif-9019	339	4	is	be	AUX
ejif-9019	339	5	licensed	license	VERB
ejif-9019	339	6	under	under	ADP
ejif-9019	339	7	a	a	DET
ejif-9019	339	8	creative	creative	ADJ
ejif-9019	339	9	commons	common	NOUN
ejif-9019	339	10	attribution	attribution	NOUN
ejif-9019	339	11	4.0	4.0	NUM
ejif-9019	339	12	international	international	ADJ
ejif-9019	339	13	license	license	NOUN
ejif-9019	339	14	16	16	NUM
ejif-9019	339	15	this	this	DET
ejif-9019	339	16	section	section	NOUN
ejif-9019	339	17	discusses	discuss	VERB
ejif-9019	339	18	the	the	DET
ejif-9019	339	19	obstacles	obstacle	NOUN
ejif-9019	339	20	to	to	ADP
ejif-9019	339	21	the	the	DET
ejif-9019	339	22	growth	growth	NOUN
ejif-9019	339	23	of	of	ADP
ejif-9019	339	24	ifl	ifl	PROPN
ejif-9019	339	25	and	and	CCONJ
ejif-9019	339	26	ifi	ifi	PROPN
ejif-9019	339	27	in	in	ADP
ejif-9019	339	28	thailand	thailand	PROPN
ejif-9019	339	29	's	's	PART
ejif-9019	339	30	five	five	NUM
ejif-9019	339	31	southernmost	southernmost	NOUN
ejif-9019	339	32	provinces	province	NOUN
ejif-9019	339	33	.	.	PUNCT
ejif-9019	340	1	according	accord	VERB
ejif-9019	340	2	to	to	ADP
ejif-9019	340	3	the	the	DET
ejif-9019	340	4	quantitative	quantitative	ADJ
ejif-9019	340	5	data	datum	NOUN
ejif-9019	340	6	,	,	PUNCT
ejif-9019	340	7	most	most	ADJ
ejif-9019	340	8	respondents	respondent	NOUN
ejif-9019	340	9	were	be	AUX
ejif-9019	340	10	unfamiliar	unfamiliar	ADJ
ejif-9019	340	11	with	with	ADP
ejif-9019	340	12	islamic	islamic	ADJ
ejif-9019	340	13	financial	financial	ADJ
ejif-9019	340	14	terminology	terminology	NOUN
ejif-9019	340	15	and	and	CCONJ
ejif-9019	340	16	the	the	DET
ejif-9019	340	17	distinction	distinction	NOUN
ejif-9019	340	18	between	between	ADP
ejif-9019	340	19	islamic	islamic	ADJ
ejif-9019	340	20	and	and	CCONJ
ejif-9019	340	21	conventional	conventional	ADJ
ejif-9019	340	22	financial	financial	ADJ
ejif-9019	340	23	products	product	NOUN
ejif-9019	340	24	.	.	PUNCT
ejif-9019	341	1	many	many	ADJ
ejif-9019	341	2	interviewees	interviewee	NOUN
ejif-9019	341	3	believed	believe	VERB
ejif-9019	341	4	this	this	PRON
ejif-9019	341	5	happened	happen	VERB
ejif-9019	341	6	because	because	SCONJ
ejif-9019	341	7	the	the	DET
ejif-9019	341	8	islamic	islamic	ADJ
ejif-9019	341	9	educational	educational	ADJ
ejif-9019	341	10	system	system	NOUN
ejif-9019	341	11	does	do	AUX
ejif-9019	341	12	not	not	PART
ejif-9019	341	13	teach	teach	VERB
ejif-9019	341	14	basic	basic	ADJ
ejif-9019	341	15	islamic	islamic	ADJ
ejif-9019	341	16	finance	finance	NOUN
ejif-9019	341	17	knowledge	knowledge	NOUN
ejif-9019	341	18	.	.	PUNCT
ejif-9019	342	1	moreover	moreover	ADV
ejif-9019	342	2	,	,	PUNCT
ejif-9019	342	3	the	the	DET
ejif-9019	342	4	results	result	NOUN
ejif-9019	342	5	of	of	ADP
ejif-9019	342	6	the	the	DET
ejif-9019	342	7	interviews	interview	NOUN
ejif-9019	342	8	revealed	reveal	VERB
ejif-9019	342	9	that	that	SCONJ
ejif-9019	342	10	not	not	PART
ejif-9019	342	11	only	only	ADV
ejif-9019	342	12	the	the	DET
ejif-9019	342	13	general	general	ADJ
ejif-9019	342	14	population	population	NOUN
ejif-9019	342	15	has	have	VERB
ejif-9019	342	16	insufficient	insufficient	ADJ
ejif-9019	342	17	islamic	islamic	ADJ
ejif-9019	342	18	finance	finance	NOUN
ejif-9019	342	19	knowledge	knowledge	NOUN
ejif-9019	342	20	but	but	CCONJ
ejif-9019	342	21	also	also	ADV
ejif-9019	342	22	many	many	ADJ
ejif-9019	342	23	employees	employee	NOUN
ejif-9019	342	24	in	in	ADP
ejif-9019	342	25	islamic	islamic	ADJ
ejif-9019	342	26	financial	financial	ADJ
ejif-9019	342	27	institutions	institution	NOUN
ejif-9019	342	28	,	,	PUNCT
ejif-9019	342	29	religious	religious	ADJ
ejif-9019	342	30	leaders	leader	NOUN
ejif-9019	342	31	,	,	PUNCT
ejif-9019	342	32	and	and	CCONJ
ejif-9019	342	33	teachers	teacher	NOUN
ejif-9019	342	34	in	in	ADP
ejif-9019	342	35	islamic	islamic	ADJ
ejif-9019	342	36	educational	educational	ADJ
ejif-9019	342	37	institutions	institution	NOUN
ejif-9019	342	38	.	.	PUNCT
ejif-9019	343	1	the	the	DET
ejif-9019	343	2	study	study	NOUN
ejif-9019	343	3	discovered	discover	VERB
ejif-9019	343	4	that	that	SCONJ
ejif-9019	343	5	the	the	DET
ejif-9019	343	6	lack	lack	NOUN
ejif-9019	343	7	of	of	ADP
ejif-9019	343	8	ifl	ifl	PROPN
ejif-9019	343	9	among	among	ADP
ejif-9019	343	10	employees	employee	NOUN
ejif-9019	343	11	in	in	ADP
ejif-9019	343	12	islamic	islamic	ADJ
ejif-9019	343	13	financial	financial	ADJ
ejif-9019	343	14	institutions	institution	NOUN
ejif-9019	343	15	has	have	AUX
ejif-9019	343	16	limited	limit	VERB
ejif-9019	343	17	their	their	PRON
ejif-9019	343	18	ability	ability	NOUN
ejif-9019	343	19	to	to	PART
ejif-9019	343	20	explain	explain	VERB
ejif-9019	343	21	and	and	CCONJ
ejif-9019	343	22	clarify	clarify	VERB
ejif-9019	343	23	the	the	DET
ejif-9019	343	24	differences	difference	NOUN
ejif-9019	343	25	between	between	ADP
ejif-9019	343	26	islamic	islamic	ADJ
ejif-9019	343	27	and	and	CCONJ
ejif-9019	343	28	conventional	conventional	ADJ
ejif-9019	343	29	finance	finance	NOUN
ejif-9019	343	30	and	and	CCONJ
ejif-9019	343	31	the	the	DET
ejif-9019	343	32	products	product	NOUN
ejif-9019	343	33	and	and	CCONJ
ejif-9019	343	34	services	service	NOUN
ejif-9019	343	35	available	available	ADJ
ejif-9019	343	36	to	to	ADP
ejif-9019	343	37	the	the	DET
ejif-9019	343	38	clients	client	NOUN
ejif-9019	343	39	.	.	PUNCT
ejif-9019	344	1	in	in	ADP
ejif-9019	344	2	addition	addition	NOUN
ejif-9019	344	3	,	,	PUNCT
ejif-9019	344	4	if	if	SCONJ
ejif-9019	344	5	staff	staff	NOUN
ejif-9019	344	6	members	member	NOUN
ejif-9019	344	7	lack	lack	VERB
ejif-9019	344	8	islamic	islamic	ADJ
ejif-9019	344	9	finance	finance	NOUN
ejif-9019	344	10	expertise	expertise	NOUN
ejif-9019	344	11	,	,	PUNCT
ejif-9019	344	12	it	it	PRON
ejif-9019	344	13	will	will	AUX
ejif-9019	344	14	be	be	AUX
ejif-9019	344	15	difficult	difficult	ADJ
ejif-9019	344	16	to	to	PART
ejif-9019	344	17	implement	implement	VERB
ejif-9019	344	18	policies	policy	NOUN
ejif-9019	344	19	that	that	PRON
ejif-9019	344	20	will	will	AUX
ejif-9019	344	21	assist	assist	VERB
ejif-9019	344	22	the	the	DET
ejif-9019	344	23	organisation	organisation	NOUN
ejif-9019	344	24	in	in	ADP
ejif-9019	344	25	fulfilling	fulfil	VERB
ejif-9019	344	26	its	its	PRON
ejif-9019	344	27	vision	vision	NOUN
ejif-9019	344	28	and	and	CCONJ
ejif-9019	344	29	mission	mission	NOUN
ejif-9019	344	30	.	.	PUNCT
ejif-9019	345	1	since	since	SCONJ
ejif-9019	345	2	religious	religious	ADJ
ejif-9019	345	3	leaders	leader	NOUN
ejif-9019	345	4	are	be	AUX
ejif-9019	345	5	regarded	regard	VERB
ejif-9019	345	6	as	as	ADP
ejif-9019	345	7	highly	highly	ADV
ejif-9019	345	8	trustworthy	trustworthy	ADJ
ejif-9019	345	9	by	by	ADP
ejif-9019	345	10	the	the	DET
ejif-9019	345	11	local	local	ADJ
ejif-9019	345	12	population	population	NOUN
ejif-9019	345	13	,	,	PUNCT
ejif-9019	345	14	the	the	DET
ejif-9019	345	15	lack	lack	NOUN
ejif-9019	345	16	of	of	ADP
ejif-9019	345	17	ifl	ifl	PROPN
ejif-9019	345	18	would	would	AUX
ejif-9019	345	19	hamper	hamper	VERB
ejif-9019	345	20	the	the	DET
ejif-9019	345	21	dissemination	dissemination	NOUN
ejif-9019	345	22	of	of	ADP
ejif-9019	345	23	islamic	islamic	ADJ
ejif-9019	345	24	financial	financial	ADJ
ejif-9019	345	25	knowledge	knowledge	NOUN
ejif-9019	345	26	in	in	ADP
ejif-9019	345	27	the	the	DET
ejif-9019	345	28	area	area	NOUN
ejif-9019	345	29	.	.	PUNCT
ejif-9019	346	1	moreover	moreover	ADV
ejif-9019	346	2	,	,	PUNCT
ejif-9019	346	3	they	they	PRON
ejif-9019	346	4	may	may	AUX
ejif-9019	346	5	also	also	ADV
ejif-9019	346	6	provide	provide	VERB
ejif-9019	346	7	false	false	ADJ
ejif-9019	346	8	or	or	CCONJ
ejif-9019	346	9	misleading	misleading	ADJ
ejif-9019	346	10	information	information	NOUN
ejif-9019	346	11	to	to	ADP
ejif-9019	346	12	the	the	DET
ejif-9019	346	13	public	public	NOUN
ejif-9019	346	14	.	.	PUNCT
ejif-9019	347	1	then	then	ADV
ejif-9019	347	2	,	,	PUNCT
ejif-9019	347	3	the	the	DET
ejif-9019	347	4	scarcity	scarcity	NOUN
ejif-9019	347	5	of	of	ADP
ejif-9019	347	6	islamic	islamic	ADJ
ejif-9019	347	7	finance	finance	NOUN
ejif-9019	347	8	professionals	professional	NOUN
ejif-9019	347	9	in	in	ADP
ejif-9019	347	10	the	the	DET
ejif-9019	347	11	educational	educational	ADJ
ejif-9019	347	12	system	system	NOUN
ejif-9019	347	13	has	have	AUX
ejif-9019	347	14	also	also	ADV
ejif-9019	347	15	resulted	result	VERB
ejif-9019	347	16	in	in	ADP
ejif-9019	347	17	the	the	DET
ejif-9019	347	18	lack	lack	NOUN
ejif-9019	347	19	of	of	ADP
ejif-9019	347	20	production	production	NOUN
ejif-9019	347	21	and	and	CCONJ
ejif-9019	347	22	development	development	NOUN
ejif-9019	347	23	of	of	ADP
ejif-9019	347	24	islamic	islamic	ADJ
ejif-9019	347	25	financial	financial	ADJ
ejif-9019	347	26	education	education	NOUN
ejif-9019	347	27	materials	material	NOUN
ejif-9019	347	28	,	,	PUNCT
ejif-9019	347	29	which	which	PRON
ejif-9019	347	30	is	be	AUX
ejif-9019	347	31	a	a	DET
ejif-9019	347	32	serious	serious	ADJ
ejif-9019	347	33	hindrance	hindrance	NOUN
ejif-9019	347	34	to	to	ADP
ejif-9019	347	35	the	the	DET
ejif-9019	347	36	growth	growth	NOUN
ejif-9019	347	37	of	of	ADP
ejif-9019	347	38	ifl	ifl	PROPN
ejif-9019	347	39	in	in	ADP
ejif-9019	347	40	the	the	DET
ejif-9019	347	41	area	area	NOUN
ejif-9019	347	42	.	.	PUNCT
ejif-9019	348	1	regarding	regard	VERB
ejif-9019	348	2	ifi	ifi	PROPN
ejif-9019	348	3	,	,	PUNCT
ejif-9019	348	4	the	the	DET
ejif-9019	348	5	data	datum	NOUN
ejif-9019	348	6	from	from	ADP
ejif-9019	348	7	the	the	DET
ejif-9019	348	8	questionnaire	questionnaire	NOUN
ejif-9019	348	9	and	and	CCONJ
ejif-9019	348	10	interviews	interview	NOUN
ejif-9019	348	11	revealed	reveal	VERB
ejif-9019	348	12	similarities	similarity	NOUN
ejif-9019	348	13	and	and	CCONJ
ejif-9019	348	14	differences	difference	NOUN
ejif-9019	348	15	.	.	PUNCT
ejif-9019	349	1	the	the	DET
ejif-9019	349	2	table	table	NOUN
ejif-9019	349	3	below	below	ADV
ejif-9019	349	4	shows	show	VERB
ejif-9019	349	5	respondents	respondent	NOUN
ejif-9019	349	6	in	in	ADP
ejif-9019	349	7	the	the	DET
ejif-9019	349	8	five	five	NUM
ejif-9019	349	9	southernmost	southernmost	NOUN
ejif-9019	349	10	provinces	province	NOUN
ejif-9019	349	11	reported	report	VERB
ejif-9019	349	12	a	a	DET
ejif-9019	349	13	lack	lack	NOUN
ejif-9019	349	14	of	of	ADP
ejif-9019	349	15	funds	fund	NOUN
ejif-9019	349	16	,	,	PUNCT
ejif-9019	349	17	while	while	SCONJ
ejif-9019	349	18	interviewees	interviewee	NOUN
ejif-9019	349	19	cited	cite	VERB
ejif-9019	349	20	high	high	ADJ
ejif-9019	349	21	costs	cost	NOUN
ejif-9019	349	22	as	as	ADP
ejif-9019	349	23	the	the	DET
ejif-9019	349	24	most	most	ADV
ejif-9019	349	25	significant	significant	ADJ
ejif-9019	349	26	barrier	barrier	NOUN
ejif-9019	349	27	.	.	PUNCT
ejif-9019	350	1	from	from	ADP
ejif-9019	350	2	the	the	DET
ejif-9019	350	3	information	information	NOUN
ejif-9019	350	4	,	,	PUNCT
ejif-9019	350	5	economic	economic	ADJ
ejif-9019	350	6	conditions	condition	NOUN
ejif-9019	350	7	and	and	CCONJ
ejif-9019	350	8	prices	price	NOUN
ejif-9019	350	9	play	play	VERB
ejif-9019	350	10	an	an	DET
ejif-9019	350	11	important	important	ADJ
ejif-9019	350	12	role	role	NOUN
ejif-9019	350	13	in	in	ADP
ejif-9019	350	14	influencing	influence	VERB
ejif-9019	350	15	the	the	DET
ejif-9019	350	16	decisions	decision	NOUN
ejif-9019	350	17	to	to	PART
ejif-9019	350	18	use	use	VERB
ejif-9019	350	19	islamic	islamic	ADJ
ejif-9019	350	20	financial	financial	ADJ
ejif-9019	350	21	services	service	NOUN
ejif-9019	350	22	in	in	ADP
ejif-9019	350	23	areas	area	NOUN
ejif-9019	350	24	where	where	SCONJ
ejif-9019	350	25	there	there	PRON
ejif-9019	350	26	is	be	VERB
ejif-9019	350	27	unrest	unrest	NOUN
ejif-9019	350	28	and	and	CCONJ
ejif-9019	350	29	poverty	poverty	NOUN
ejif-9019	350	30	.	.	PUNCT
ejif-9019	351	1	meanwhile	meanwhile	ADV
ejif-9019	351	2	,	,	PUNCT
ejif-9019	351	3	both	both	PRON
ejif-9019	351	4	mentioned	mention	VERB
ejif-9019	351	5	a	a	DET
ejif-9019	351	6	lack	lack	NOUN
ejif-9019	351	7	of	of	ADP
ejif-9019	351	8	trust	trust	NOUN
ejif-9019	351	9	and	and	CCONJ
ejif-9019	351	10	documentation	documentation	NOUN
ejif-9019	351	11	as	as	ADP
ejif-9019	351	12	significant	significant	ADJ
ejif-9019	351	13	reasons	reason	NOUN
ejif-9019	351	14	that	that	PRON
ejif-9019	351	15	could	could	AUX
ejif-9019	351	16	prevent	prevent	VERB
ejif-9019	351	17	the	the	DET
ejif-9019	351	18	use	use	NOUN
ejif-9019	351	19	of	of	ADP
ejif-9019	351	20	islamic	islamic	ADJ
ejif-9019	351	21	finance	finance	NOUN
ejif-9019	351	22	.	.	PUNCT
ejif-9019	352	1	the	the	DET
ejif-9019	352	2	lack	lack	NOUN
ejif-9019	352	3	of	of	ADP
ejif-9019	352	4	confidence	confidence	NOUN
ejif-9019	352	5	is	be	AUX
ejif-9019	352	6	challenging	challenge	VERB
ejif-9019	352	7	to	to	PART
ejif-9019	352	8	address	address	VERB
ejif-9019	352	9	because	because	SCONJ
ejif-9019	352	10	it	it	PRON
ejif-9019	352	11	is	be	AUX
ejif-9019	352	12	associated	associate	VERB
ejif-9019	352	13	with	with	ADP
ejif-9019	352	14	quality	quality	NOUN
ejif-9019	352	15	concerns	concern	NOUN
ejif-9019	352	16	about	about	ADP
ejif-9019	352	17	the	the	DET
ejif-9019	352	18	supply	supply	NOUN
ejif-9019	352	19	side	side	NOUN
ejif-9019	352	20	.	.	PUNCT
ejif-9019	353	1	regarding	regard	VERB
ejif-9019	353	2	a	a	DET
ejif-9019	353	3	lack	lack	NOUN
ejif-9019	353	4	of	of	ADP
ejif-9019	353	5	documentation	documentation	NOUN
ejif-9019	353	6	,	,	PUNCT
ejif-9019	353	7	the	the	DET
ejif-9019	353	8	questionnaire	questionnaire	NOUN
ejif-9019	353	9	data	datum	NOUN
ejif-9019	353	10	revealed	reveal	VERB
ejif-9019	353	11	that	that	SCONJ
ejif-9019	353	12	muslims	muslim	NOUN
ejif-9019	353	13	who	who	PRON
ejif-9019	353	14	identified	identify	VERB
ejif-9019	353	15	themselves	themselves	PRON
ejif-9019	353	16	as	as	ADP
ejif-9019	353	17	having	have	VERB
ejif-9019	353	18	this	this	DET
ejif-9019	353	19	problem	problem	NOUN
ejif-9019	353	20	were	be	AUX
ejif-9019	353	21	mainly	mainly	ADV
ejif-9019	353	22	those	those	PRON
ejif-9019	353	23	with	with	ADP
ejif-9019	353	24	lower	low	ADJ
ejif-9019	353	25	education	education	NOUN
ejif-9019	353	26	levels	level	NOUN
ejif-9019	353	27	and	and	CCONJ
ejif-9019	353	28	lower	low	ADJ
ejif-9019	353	29	income	income	NOUN
ejif-9019	353	30	groups	group	NOUN
ejif-9019	353	31	.	.	PUNCT
ejif-9019	354	1	this	this	PRON
ejif-9019	354	2	is	be	AUX
ejif-9019	354	3	consistent	consistent	ADJ
ejif-9019	354	4	with	with	ADP
ejif-9019	354	5	information	information	NOUN
ejif-9019	354	6	provided	provide	VERB
ejif-9019	354	7	by	by	ADP
ejif-9019	354	8	some	some	DET
ejif-9019	354	9	interviewees	interviewee	NOUN
ejif-9019	354	10	,	,	PUNCT
ejif-9019	354	11	who	who	PRON
ejif-9019	354	12	perceived	perceive	VERB
ejif-9019	354	13	that	that	SCONJ
ejif-9019	354	14	these	these	DET
ejif-9019	354	15	documents	document	NOUN
ejif-9019	354	16	are	be	AUX
ejif-9019	354	17	related	relate	VERB
ejif-9019	354	18	to	to	ADP
ejif-9019	354	19	collateral	collateral	ADJ
ejif-9019	354	20	and	and	CCONJ
ejif-9019	354	21	financial	financial	ADJ
ejif-9019	354	22	records	record	NOUN
ejif-9019	354	23	,	,	PUNCT
ejif-9019	354	24	which	which	PRON
ejif-9019	354	25	are	be	AUX
ejif-9019	354	26	crucial	crucial	ADJ
ejif-9019	354	27	to	to	ADP
ejif-9019	354	28	demonstrating	demonstrate	VERB
ejif-9019	354	29	the	the	DET
ejif-9019	354	30	ability	ability	NOUN
ejif-9019	354	31	to	to	PART
ejif-9019	354	32	pay	pay	VERB
ejif-9019	354	33	debts	debt	NOUN
ejif-9019	354	34	.	.	PUNCT
ejif-9019	355	1	on	on	ADP
ejif-9019	355	2	the	the	DET
ejif-9019	355	3	other	other	ADJ
ejif-9019	355	4	hand	hand	NOUN
ejif-9019	355	5	,	,	PUNCT
ejif-9019	355	6	only	only	ADV
ejif-9019	355	7	survey	survey	NOUN
ejif-9019	355	8	data	datum	NOUN
ejif-9019	355	9	indicated	indicate	VERB
ejif-9019	355	10	that	that	SCONJ
ejif-9019	355	11	access	access	NOUN
ejif-9019	355	12	to	to	ADP
ejif-9019	355	13	islamic	islamic	ADJ
ejif-9019	355	14	financial	financial	ADJ
ejif-9019	355	15	services	service	NOUN
ejif-9019	355	16	was	be	AUX
ejif-9019	355	17	hampered	hamper	VERB
ejif-9019	355	18	by	by	ADP
ejif-9019	355	19	being	be	AUX
ejif-9019	355	20	too	too	ADV
ejif-9019	355	21	far	far	ADV
ejif-9019	355	22	away	away	ADV
ejif-9019	355	23	.	.	PUNCT
ejif-9019	356	1	in	in	ADP
ejif-9019	356	2	contrast	contrast	NOUN
ejif-9019	356	3	,	,	PUNCT
ejif-9019	356	4	most	most	ADJ
ejif-9019	356	5	interviewees	interviewee	NOUN
ejif-9019	356	6	did	do	AUX
ejif-9019	356	7	not	not	PART
ejif-9019	356	8	see	see	VERB
ejif-9019	356	9	physical	physical	ADJ
ejif-9019	356	10	distance	distance	NOUN
ejif-9019	356	11	as	as	ADP
ejif-9019	356	12	a	a	DET
ejif-9019	356	13	potential	potential	ADJ
ejif-9019	356	14	barrier	barrier	NOUN
ejif-9019	356	15	.	.	PUNCT
ejif-9019	357	1	though	though	SCONJ
ejif-9019	357	2	islamic	islamic	ADJ
ejif-9019	357	3	financial	financial	ADJ
ejif-9019	357	4	institutions	institution	NOUN
ejif-9019	357	5	can	can	AUX
ejif-9019	357	6	offer	offer	VERB
ejif-9019	357	7	their	their	PRON
ejif-9019	357	8	services	service	NOUN
ejif-9019	357	9	in	in	ADP
ejif-9019	357	10	all	all	DET
ejif-9019	357	11	areas	area	NOUN
ejif-9019	357	12	,	,	PUNCT
ejif-9019	357	13	the	the	DET
ejif-9019	357	14	absence	absence	NOUN
ejif-9019	357	15	of	of	ADP
ejif-9019	357	16	convenient	convenient	ADJ
ejif-9019	357	17	channels	channel	NOUN
ejif-9019	357	18	like	like	ADP
ejif-9019	357	19	online	online	ADJ
ejif-9019	357	20	services	service	NOUN
ejif-9019	357	21	may	may	AUX
ejif-9019	357	22	be	be	AUX
ejif-9019	357	23	a	a	DET
ejif-9019	357	24	significant	significant	ADJ
ejif-9019	357	25	reason	reason	NOUN
ejif-9019	357	26	why	why	SCONJ
ejif-9019	357	27	many	many	ADJ
ejif-9019	357	28	respondents	respondent	NOUN
ejif-9019	357	29	saw	see	VERB
ejif-9019	357	30	"	"	PUNCT
ejif-9019	357	31	too	too	ADV
ejif-9019	357	32	far	far	ADV
ejif-9019	357	33	away	away	ADV
ejif-9019	357	34	"	"	PUNCT
ejif-9019	357	35	as	as	ADP
ejif-9019	357	36	a	a	DET
ejif-9019	357	37	barrier	barrier	NOUN
ejif-9019	357	38	.	.	PUNCT
ejif-9019	358	1	furthermore	furthermore	ADV
ejif-9019	358	2	,	,	PUNCT
ejif-9019	358	3	only	only	ADV
ejif-9019	358	4	interview	interview	NOUN
ejif-9019	358	5	findings	finding	NOUN
ejif-9019	358	6	revealed	reveal	VERB
ejif-9019	358	7	that	that	SCONJ
ejif-9019	358	8	the	the	DET
ejif-9019	358	9	slow	slow	ADJ
ejif-9019	358	10	credit	credit	NOUN
ejif-9019	358	11	approval	approval	NOUN
ejif-9019	358	12	process	process	NOUN
ejif-9019	358	13	was	be	AUX
ejif-9019	358	14	the	the	DET
ejif-9019	358	15	main	main	ADJ
ejif-9019	358	16	barrier	barrier	NOUN
ejif-9019	358	17	,	,	PUNCT
ejif-9019	358	18	while	while	SCONJ
ejif-9019	358	19	this	this	DET
ejif-9019	358	20	factor	factor	NOUN
ejif-9019	358	21	was	be	AUX
ejif-9019	358	22	not	not	PART
ejif-9019	358	23	specified	specify	VERB
ejif-9019	358	24	for	for	SCONJ
ejif-9019	358	25	respondents	respondent	NOUN
ejif-9019	358	26	to	to	PART
ejif-9019	358	27	select	select	VERB
ejif-9019	358	28	in	in	ADP
ejif-9019	358	29	the	the	DET
ejif-9019	358	30	questionnaire	questionnaire	NOUN
ejif-9019	358	31	.	.	PUNCT
ejif-9019	359	1	according	accord	VERB
ejif-9019	359	2	to	to	ADP
ejif-9019	359	3	interview	interview	NOUN
ejif-9019	359	4	responses	response	NOUN
ejif-9019	359	5	,	,	PUNCT
ejif-9019	359	6	the	the	DET
ejif-9019	359	7	slow	slow	ADJ
ejif-9019	359	8	process	process	NOUN
ejif-9019	359	9	was	be	AUX
ejif-9019	359	10	mainly	mainly	ADV
ejif-9019	359	11	caused	cause	VERB
ejif-9019	359	12	by	by	ADP
ejif-9019	359	13	ibank	ibank	PROPN
ejif-9019	359	14	's	's	PART
ejif-9019	359	15	bad	bad	ADJ
ejif-9019	359	16	debt	debt	NOUN
ejif-9019	359	17	problems	problem	NOUN
ejif-9019	359	18	,	,	PUNCT
ejif-9019	359	19	which	which	PRON
ejif-9019	359	20	necessitated	necessitate	VERB
ejif-9019	359	21	stricter	strict	ADJ
ejif-9019	359	22	credit	credit	NOUN
ejif-9019	359	23	approval	approval	NOUN
ejif-9019	359	24	measures	measure	NOUN
ejif-9019	359	25	.	.	PUNCT
ejif-9019	360	1	additionally	additionally	ADV
ejif-9019	360	2	,	,	PUNCT
ejif-9019	360	3	islamic	islamic	ADJ
ejif-9019	360	4	cooperatives	cooperative	NOUN
ejif-9019	360	5	also	also	ADV
ejif-9019	360	6	experienced	experience	VERB
ejif-9019	360	7	the	the	DET
ejif-9019	360	8	issue	issue	NOUN
ejif-9019	360	9	of	of	ADP
ejif-9019	360	10	lagging	lag	VERB
ejif-9019	360	11	credit	credit	NOUN
ejif-9019	360	12	approval	approval	NOUN
ejif-9019	360	13	,	,	PUNCT
ejif-9019	360	14	mainly	mainly	ADV
ejif-9019	360	15	due	due	ADP
ejif-9019	360	16	to	to	ADP
ejif-9019	360	17	limitations	limitation	NOUN
ejif-9019	360	18	in	in	ADP
ejif-9019	360	19	the	the	DET
ejif-9019	360	20	number	number	NOUN
ejif-9019	360	21	of	of	ADP
ejif-9019	360	22	experts	expert	NOUN
ejif-9019	360	23	.	.	PUNCT
ejif-9019	361	1	european	european	PROPN
ejif-9019	361	2	journal	journal	PROPN
ejif-9019	361	3	of	of	ADP
ejif-9019	361	4	islamic	islamic	PROPN
ejif-9019	361	5	finance	finance	PROPN
ejif-9019	361	6	issn	issn	PROPN
ejif-9019	361	7	:	:	PUNCT
ejif-9019	361	8	2421	2421	NUM
ejif-9019	361	9	-	-	SYM
ejif-9019	361	10	2172	2172	NUM
ejif-9019	361	11	doi	doi	NOUN
ejif-9019	361	12	:	:	PUNCT
ejif-9019	361	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	361	14	-	-	SYM
ejif-9019	361	15	2172/9019	2172/9019	NUM
ejif-9019	361	16	published	publish	VERB
ejif-9019	361	17	by	by	ADP
ejif-9019	361	18	university	university	PROPN
ejif-9019	361	19	of	of	ADP
ejif-9019	361	20	turin	turin	PROPN
ejif-9019	362	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	362	2	ejif	ejif	PROPN
ejif-9019	362	3	content	content	NOUN
ejif-9019	362	4	is	be	AUX
ejif-9019	362	5	licensed	license	VERB
ejif-9019	362	6	under	under	ADP
ejif-9019	362	7	a	a	DET
ejif-9019	362	8	creative	creative	ADJ
ejif-9019	362	9	commons	common	NOUN
ejif-9019	362	10	attribution	attribution	NOUN
ejif-9019	362	11	4.0	4.0	NUM
ejif-9019	362	12	international	international	ADJ
ejif-9019	362	13	license	license	NOUN
ejif-9019	362	14	17	17	NUM
ejif-9019	362	15	table	table	NOUN
ejif-9019	362	16	4	4	NUM
ejif-9019	362	17	.	.	PUNCT
ejif-9019	362	18	main	main	ADJ
ejif-9019	362	19	barriers	barrier	NOUN
ejif-9019	362	20	to	to	ADP
ejif-9019	362	21	islamic	islamic	ADJ
ejif-9019	362	22	financial	financial	ADJ
ejif-9019	362	23	inclusion	inclusion	NOUN
ejif-9019	362	24	based	base	VERB
ejif-9019	362	25	on	on	ADP
ejif-9019	362	26	questionnaire	questionnaire	NOUN
ejif-9019	362	27	and	and	CCONJ
ejif-9019	362	28	interview	interview	NOUN
ejif-9019	362	29	findings	finding	NOUN
ejif-9019	362	30	questionnaire	questionnaire	NOUN
ejif-9019	362	31	survey	survey	NOUN
ejif-9019	362	32	semi	semi	ADJ
ejif-9019	362	33	-	-	ADJ
ejif-9019	362	34	structured	structured	ADJ
ejif-9019	362	35	interviews	interview	NOUN
ejif-9019	362	36	not	not	PART
ejif-9019	362	37	enough	enough	ADJ
ejif-9019	362	38	money	money	NOUN
ejif-9019	362	39	too	too	ADV
ejif-9019	362	40	expensive	expensive	ADJ
ejif-9019	362	41	lack	lack	NOUN
ejif-9019	362	42	of	of	ADP
ejif-9019	362	43	trust	trust	NOUN
ejif-9019	362	44	slow	slow	ADJ
ejif-9019	362	45	process	process	NOUN
ejif-9019	362	46	too	too	ADV
ejif-9019	362	47	far	far	ADV
ejif-9019	362	48	away	away	ADV
ejif-9019	362	49	lack	lack	NOUN
ejif-9019	362	50	of	of	ADP
ejif-9019	362	51	documentation	documentation	NOUN
ejif-9019	362	52	lack	lack	NOUN
ejif-9019	362	53	of	of	ADP
ejif-9019	362	54	documentation	documentation	NOUN
ejif-9019	362	55	lack	lack	NOUN
ejif-9019	362	56	of	of	ADP
ejif-9019	362	57	trust	trust	NOUN
ejif-9019	362	58	source	source	NOUN
ejif-9019	362	59	:	:	PUNCT
ejif-9019	362	60	author	author	NOUN
ejif-9019	362	61	elaboration	elaboration	NOUN
ejif-9019	362	62	next	next	ADV
ejif-9019	362	63	,	,	PUNCT
ejif-9019	362	64	this	this	DET
ejif-9019	362	65	section	section	NOUN
ejif-9019	362	66	provides	provide	VERB
ejif-9019	362	67	policy	policy	NOUN
ejif-9019	362	68	recommendations	recommendation	NOUN
ejif-9019	362	69	to	to	ADP
ejif-9019	362	70	relevant	relevant	ADJ
ejif-9019	362	71	parties	party	NOUN
ejif-9019	362	72	to	to	PART
ejif-9019	362	73	boost	boost	VERB
ejif-9019	362	74	ifl	ifl	PROPN
ejif-9019	362	75	and	and	CCONJ
ejif-9019	362	76	ifi	ifi	PROPN
ejif-9019	362	77	among	among	ADP
ejif-9019	362	78	muslims	muslims	PROPN
ejif-9019	362	79	in	in	ADP
ejif-9019	362	80	the	the	DET
ejif-9019	362	81	five	five	NUM
ejif-9019	362	82	southernmost	southernmost	NOUN
ejif-9019	362	83	provinces	province	NOUN
ejif-9019	362	84	of	of	ADP
ejif-9019	362	85	thailand	thailand	PROPN
ejif-9019	362	86	.	.	PUNCT
ejif-9019	363	1	based	base	VERB
ejif-9019	363	2	on	on	ADP
ejif-9019	363	3	evidence	evidence	NOUN
ejif-9019	363	4	gathered	gather	VERB
ejif-9019	363	5	from	from	ADP
ejif-9019	363	6	quantitative	quantitative	ADJ
ejif-9019	363	7	and	and	CCONJ
ejif-9019	363	8	qualitative	qualitative	ADJ
ejif-9019	363	9	findings	finding	NOUN
ejif-9019	363	10	,	,	PUNCT
ejif-9019	363	11	the	the	DET
ejif-9019	363	12	following	follow	VERB
ejif-9019	363	13	are	be	AUX
ejif-9019	363	14	key	key	ADJ
ejif-9019	363	15	policies	policy	NOUN
ejif-9019	363	16	that	that	PRON
ejif-9019	363	17	could	could	AUX
ejif-9019	363	18	increase	increase	VERB
ejif-9019	363	19	the	the	DET
ejif-9019	363	20	level	level	NOUN
ejif-9019	363	21	of	of	ADP
ejif-9019	363	22	ifl	ifl	PROPN
ejif-9019	363	23	in	in	ADP
ejif-9019	363	24	the	the	DET
ejif-9019	363	25	area	area	NOUN
ejif-9019	363	26	.	.	PUNCT
ejif-9019	364	1	firstly	firstly	ADV
ejif-9019	364	2	,	,	PUNCT
ejif-9019	364	3	universities	university	NOUN
ejif-9019	364	4	that	that	PRON
ejif-9019	364	5	offer	offer	VERB
ejif-9019	364	6	islamic	islamic	ADJ
ejif-9019	364	7	finance	finance	NOUN
ejif-9019	364	8	courses	course	NOUN
ejif-9019	364	9	in	in	ADP
ejif-9019	364	10	the	the	DET
ejif-9019	364	11	area	area	NOUN
ejif-9019	364	12	should	should	AUX
ejif-9019	364	13	take	take	VERB
ejif-9019	364	14	the	the	DET
ejif-9019	364	15	lead	lead	NOUN
ejif-9019	364	16	in	in	ADP
ejif-9019	364	17	creating	create	VERB
ejif-9019	364	18	an	an	DET
ejif-9019	364	19	islamic	islamic	ADJ
ejif-9019	364	20	finance	finance	NOUN
ejif-9019	364	21	curriculum	curriculum	NOUN
ejif-9019	364	22	and	and	CCONJ
ejif-9019	364	23	learning	learn	VERB
ejif-9019	364	24	materials	material	NOUN
ejif-9019	364	25	for	for	ADP
ejif-9019	364	26	the	the	DET
ejif-9019	364	27	islamic	islamic	ADJ
ejif-9019	364	28	educational	educational	ADJ
ejif-9019	364	29	system	system	NOUN
ejif-9019	364	30	.	.	PUNCT
ejif-9019	365	1	in	in	ADP
ejif-9019	365	2	addition	addition	NOUN
ejif-9019	365	3	,	,	PUNCT
ejif-9019	365	4	the	the	DET
ejif-9019	365	5	curriculum	curriculum	NOUN
ejif-9019	365	6	should	should	AUX
ejif-9019	365	7	be	be	AUX
ejif-9019	365	8	structured	structure	VERB
ejif-9019	365	9	by	by	ADP
ejif-9019	365	10	the	the	DET
ejif-9019	365	11	target	target	NOUN
ejif-9019	365	12	students	student	NOUN
ejif-9019	365	13	at	at	ADP
ejif-9019	365	14	each	each	DET
ejif-9019	365	15	level	level	NOUN
ejif-9019	365	16	of	of	ADP
ejif-9019	365	17	islamic	islamic	ADJ
ejif-9019	365	18	educational	educational	ADJ
ejif-9019	365	19	institutions	institution	NOUN
ejif-9019	365	20	.	.	PUNCT
ejif-9019	366	1	secondly	secondly	ADV
ejif-9019	366	2	,	,	PUNCT
ejif-9019	366	3	training	training	NOUN
ejif-9019	366	4	courses	course	NOUN
ejif-9019	366	5	and	and	CCONJ
ejif-9019	366	6	modules	module	NOUN
ejif-9019	366	7	should	should	AUX
ejif-9019	366	8	be	be	AUX
ejif-9019	366	9	developed	develop	VERB
ejif-9019	366	10	for	for	ADP
ejif-9019	366	11	personnel	personnel	NOUN
ejif-9019	366	12	working	work	VERB
ejif-9019	366	13	in	in	ADP
ejif-9019	366	14	islamic	islamic	ADJ
ejif-9019	366	15	financial	financial	ADJ
ejif-9019	366	16	-	-	PUNCT
ejif-9019	366	17	related	relate	VERB
ejif-9019	366	18	organisations	organisation	NOUN
ejif-9019	366	19	in	in	ADP
ejif-9019	366	20	the	the	DET
ejif-9019	366	21	area	area	NOUN
ejif-9019	366	22	to	to	PART
ejif-9019	366	23	convert	convert	VERB
ejif-9019	366	24	theoretical	theoretical	ADJ
ejif-9019	366	25	knowledge	knowledge	NOUN
ejif-9019	366	26	into	into	ADP
ejif-9019	366	27	practical	practical	ADJ
ejif-9019	366	28	skills	skill	NOUN
ejif-9019	366	29	.	.	PUNCT
ejif-9019	367	1	finally	finally	ADV
ejif-9019	367	2	,	,	PUNCT
ejif-9019	367	3	all	all	DET
ejif-9019	367	4	islamic	islamic	ADJ
ejif-9019	367	5	financial	financial	ADJ
ejif-9019	367	6	institutions	institution	NOUN
ejif-9019	367	7	should	should	AUX
ejif-9019	367	8	take	take	VERB
ejif-9019	367	9	the	the	DET
ejif-9019	367	10	initiative	initiative	NOUN
ejif-9019	367	11	as	as	ADP
ejif-9019	367	12	part	part	NOUN
ejif-9019	367	13	of	of	ADP
ejif-9019	367	14	their	their	PRON
ejif-9019	367	15	corporate	corporate	ADJ
ejif-9019	367	16	social	social	ADJ
ejif-9019	367	17	responsibility	responsibility	NOUN
ejif-9019	367	18	to	to	PART
ejif-9019	367	19	organise	organise	VERB
ejif-9019	367	20	seminars	seminar	NOUN
ejif-9019	367	21	to	to	PART
ejif-9019	367	22	raise	raise	VERB
ejif-9019	367	23	public	public	ADJ
ejif-9019	367	24	awareness	awareness	NOUN
ejif-9019	367	25	of	of	ADP
ejif-9019	367	26	the	the	DET
ejif-9019	367	27	importance	importance	NOUN
ejif-9019	367	28	of	of	ADP
ejif-9019	367	29	islamic	islamic	ADJ
ejif-9019	367	30	finance	finance	NOUN
ejif-9019	367	31	throughout	throughout	ADP
ejif-9019	367	32	the	the	DET
ejif-9019	367	33	region	region	NOUN
ejif-9019	367	34	.	.	PUNCT
ejif-9019	368	1	it	it	PRON
ejif-9019	368	2	is	be	AUX
ejif-9019	368	3	anticipated	anticipate	VERB
ejif-9019	368	4	that	that	SCONJ
ejif-9019	368	5	by	by	ADP
ejif-9019	368	6	the	the	DET
ejif-9019	368	7	end	end	NOUN
ejif-9019	368	8	of	of	ADP
ejif-9019	368	9	the	the	DET
ejif-9019	368	10	workshops	workshop	NOUN
ejif-9019	368	11	,	,	PUNCT
ejif-9019	368	12	participants	participant	NOUN
ejif-9019	368	13	will	will	AUX
ejif-9019	368	14	be	be	AUX
ejif-9019	368	15	able	able	ADJ
ejif-9019	368	16	to	to	PART
ejif-9019	368	17	comprehend	comprehend	VERB
ejif-9019	368	18	the	the	DET
ejif-9019	368	19	basic	basic	ADJ
ejif-9019	368	20	concepts	concept	NOUN
ejif-9019	368	21	of	of	ADP
ejif-9019	368	22	islamic	islamic	ADJ
ejif-9019	368	23	finance	finance	NOUN
ejif-9019	368	24	,	,	PUNCT
ejif-9019	368	25	recognise	recognise	VERB
ejif-9019	368	26	the	the	DET
ejif-9019	368	27	advantages	advantage	NOUN
ejif-9019	368	28	of	of	ADP
ejif-9019	368	29	using	use	VERB
ejif-9019	368	30	islamic	islamic	ADJ
ejif-9019	368	31	financial	financial	ADJ
ejif-9019	368	32	products	product	NOUN
ejif-9019	368	33	,	,	PUNCT
ejif-9019	368	34	have	have	VERB
ejif-9019	368	35	greater	great	ADJ
ejif-9019	368	36	trust	trust	NOUN
ejif-9019	368	37	in	in	ADP
ejif-9019	368	38	islamic	islamic	ADJ
ejif-9019	368	39	financial	financial	ADJ
ejif-9019	368	40	institutions	institution	NOUN
ejif-9019	368	41	,	,	PUNCT
ejif-9019	368	42	and	and	CCONJ
ejif-9019	368	43	possess	possess	VERB
ejif-9019	368	44	the	the	DET
ejif-9019	368	45	confidence	confidence	NOUN
ejif-9019	368	46	to	to	PART
ejif-9019	368	47	interact	interact	VERB
ejif-9019	368	48	with	with	ADP
ejif-9019	368	49	them	they	PRON
ejif-9019	368	50	.	.	PUNCT
ejif-9019	369	1	based	base	VERB
ejif-9019	369	2	on	on	ADP
ejif-9019	369	3	the	the	DET
ejif-9019	369	4	data	datum	NOUN
ejif-9019	369	5	gathered	gather	VERB
ejif-9019	369	6	,	,	PUNCT
ejif-9019	369	7	policies	policy	NOUN
ejif-9019	369	8	that	that	PRON
ejif-9019	369	9	would	would	AUX
ejif-9019	369	10	increase	increase	VERB
ejif-9019	369	11	the	the	DET
ejif-9019	369	12	level	level	NOUN
ejif-9019	369	13	of	of	ADP
ejif-9019	369	14	ifi	ifi	PROPN
ejif-9019	369	15	in	in	ADP
ejif-9019	369	16	a	a	DET
ejif-9019	369	17	muslim	muslim	ADJ
ejif-9019	369	18	minority	minority	NOUN
ejif-9019	369	19	country	country	NOUN
ejif-9019	369	20	like	like	ADP
ejif-9019	369	21	thailand	thailand	PROPN
ejif-9019	369	22	require	require	VERB
ejif-9019	369	23	strong	strong	ADJ
ejif-9019	369	24	support	support	NOUN
ejif-9019	369	25	from	from	ADP
ejif-9019	369	26	the	the	DET
ejif-9019	369	27	government	government	NOUN
ejif-9019	369	28	,	,	PUNCT
ejif-9019	369	29	particularly	particularly	ADV
ejif-9019	369	30	in	in	ADP
ejif-9019	369	31	terms	term	NOUN
ejif-9019	369	32	of	of	ADP
ejif-9019	369	33	laws	law	NOUN
ejif-9019	369	34	and	and	CCONJ
ejif-9019	369	35	regulations	regulation	NOUN
ejif-9019	369	36	.	.	PUNCT
ejif-9019	370	1	the	the	DET
ejif-9019	370	2	islamic	islamic	PROPN
ejif-9019	370	3	bank	bank	PROPN
ejif-9019	370	4	of	of	ADP
ejif-9019	370	5	thailand	thailand	PROPN
ejif-9019	370	6	act	act	PROPN
ejif-9019	370	7	,	,	PUNCT
ejif-9019	370	8	enacted	enact	VERB
ejif-9019	370	9	in	in	ADP
ejif-9019	370	10	2002	2002	NUM
ejif-9019	370	11	,	,	PUNCT
ejif-9019	370	12	is	be	AUX
ejif-9019	370	13	the	the	DET
ejif-9019	370	14	only	only	ADJ
ejif-9019	370	15	piece	piece	NOUN
ejif-9019	370	16	of	of	ADP
ejif-9019	370	17	legislation	legislation	NOUN
ejif-9019	370	18	directing	direct	VERB
ejif-9019	370	19	islamic	islamic	ADJ
ejif-9019	370	20	finance	finance	NOUN
ejif-9019	370	21	in	in	ADP
ejif-9019	370	22	thailand	thailand	PROPN
ejif-9019	370	23	.	.	PUNCT
ejif-9019	371	1	therefore	therefore	ADV
ejif-9019	371	2	,	,	PUNCT
ejif-9019	371	3	the	the	DET
ejif-9019	371	4	government	government	NOUN
ejif-9019	371	5	should	should	AUX
ejif-9019	371	6	advocate	advocate	VERB
ejif-9019	371	7	passing	pass	VERB
ejif-9019	371	8	new	new	ADJ
ejif-9019	371	9	legislation	legislation	NOUN
ejif-9019	371	10	to	to	PART
ejif-9019	371	11	facilitate	facilitate	VERB
ejif-9019	371	12	transactions	transaction	NOUN
ejif-9019	371	13	for	for	ADP
ejif-9019	371	14	all	all	DET
ejif-9019	371	15	islamic	islamic	ADJ
ejif-9019	371	16	financial	financial	ADJ
ejif-9019	371	17	institutions	institution	NOUN
ejif-9019	371	18	.	.	PUNCT
ejif-9019	372	1	islamic	islamic	ADJ
ejif-9019	372	2	financial	financial	ADJ
ejif-9019	372	3	institutions	institution	NOUN
ejif-9019	372	4	should	should	AUX
ejif-9019	372	5	innovate	innovate	VERB
ejif-9019	372	6	new	new	ADJ
ejif-9019	372	7	products	product	NOUN
ejif-9019	372	8	that	that	PRON
ejif-9019	372	9	cater	cater	VERB
ejif-9019	372	10	to	to	ADP
ejif-9019	372	11	the	the	DET
ejif-9019	372	12	needs	need	NOUN
ejif-9019	372	13	of	of	ADP
ejif-9019	372	14	muslim	muslim	ADJ
ejif-9019	372	15	customers	customer	NOUN
ejif-9019	372	16	in	in	ADP
ejif-9019	372	17	the	the	DET
ejif-9019	372	18	area	area	NOUN
ejif-9019	372	19	.	.	PUNCT
ejif-9019	373	1	they	they	PRON
ejif-9019	373	2	can	can	AUX
ejif-9019	373	3	expand	expand	VERB
ejif-9019	373	4	their	their	PRON
ejif-9019	373	5	customer	customer	NOUN
ejif-9019	373	6	base	base	NOUN
ejif-9019	373	7	by	by	ADP
ejif-9019	373	8	offering	offer	VERB
ejif-9019	373	9	the	the	DET
ejif-9019	373	10	following	follow	VERB
ejif-9019	373	11	products	product	NOUN
ejif-9019	373	12	:	:	PUNCT
ejif-9019	373	13	(	(	PUNCT
ejif-9019	373	14	i	i	NOUN
ejif-9019	373	15	)	)	PUNCT
ejif-9019	373	16	islamic	islamic	ADJ
ejif-9019	373	17	microfinance	microfinance	NOUN
ejif-9019	373	18	:	:	PUNCT
ejif-9019	373	19	islamic	islamic	ADJ
ejif-9019	373	20	financial	financial	ADJ
ejif-9019	373	21	institutions	institution	NOUN
ejif-9019	373	22	should	should	AUX
ejif-9019	373	23	develop	develop	VERB
ejif-9019	373	24	affordable	affordable	ADJ
ejif-9019	373	25	microfinance	microfinance	NOUN
ejif-9019	373	26	products	product	NOUN
ejif-9019	373	27	.	.	PUNCT
ejif-9019	374	1	they	they	PRON
ejif-9019	374	2	could	could	AUX
ejif-9019	374	3	,	,	PUNCT
ejif-9019	374	4	for	for	ADP
ejif-9019	374	5	instance	instance	NOUN
ejif-9019	374	6	,	,	PUNCT
ejif-9019	374	7	use	use	VERB
ejif-9019	374	8	qard	qard	PROPN
ejif-9019	374	9	hasan	hasan	PROPN
ejif-9019	374	10	to	to	PART
ejif-9019	374	11	facilitate	facilitate	VERB
ejif-9019	374	12	their	their	PRON
ejif-9019	374	13	microfinance	microfinance	NOUN
ejif-9019	374	14	services	service	NOUN
ejif-9019	374	15	with	with	ADP
ejif-9019	374	16	a	a	DET
ejif-9019	374	17	small	small	ADJ
ejif-9019	374	18	service	service	NOUN
ejif-9019	374	19	charge	charge	NOUN
ejif-9019	374	20	.	.	PUNCT
ejif-9019	375	1	another	another	DET
ejif-9019	375	2	action	action	NOUN
ejif-9019	375	3	that	that	PRON
ejif-9019	375	4	could	could	AUX
ejif-9019	375	5	be	be	AUX
ejif-9019	375	6	taken	take	VERB
ejif-9019	375	7	is	be	AUX
ejif-9019	375	8	introducing	introduce	VERB
ejif-9019	375	9	ar	ar	NOUN
ejif-9019	375	10	-	-	NOUN
ejif-9019	375	11	rahnu	rahnu	PROPN
ejif-9019	375	12	,	,	PUNCT
ejif-9019	375	13	which	which	PRON
ejif-9019	375	14	requires	require	VERB
ejif-9019	375	15	a	a	DET
ejif-9019	375	16	lower	low	ADJ
ejif-9019	375	17	pledge	pledge	NOUN
ejif-9019	375	18	,	,	PUNCT
ejif-9019	375	19	to	to	PART
ejif-9019	375	20	channel	channel	VERB
ejif-9019	375	21	credit	credit	NOUN
ejif-9019	375	22	to	to	ADP
ejif-9019	375	23	low	low	ADJ
ejif-9019	375	24	-	-	PUNCT
ejif-9019	375	25	income	income	NOUN
ejif-9019	375	26	people	people	NOUN
ejif-9019	375	27	.	.	PUNCT
ejif-9019	376	1	(	(	PUNCT
ejif-9019	376	2	ii	ii	NOUN
ejif-9019	376	3	)	)	PUNCT
ejif-9019	376	4	islamic	islamic	ADJ
ejif-9019	376	5	venture	venture	NOUN
ejif-9019	376	6	capital	capital	NOUN
ejif-9019	376	7	:	:	PUNCT
ejif-9019	376	8	funds	fund	NOUN
ejif-9019	376	9	could	could	AUX
ejif-9019	376	10	be	be	AUX
ejif-9019	376	11	established	establish	VERB
ejif-9019	376	12	using	use	VERB
ejif-9019	376	13	shari’ah	shari’ah	NOUN
ejif-9019	376	14	-	-	PUNCT
ejif-9019	376	15	compliant	compliant	ADJ
ejif-9019	376	16	contracts	contract	NOUN
ejif-9019	376	17	such	such	ADJ
ejif-9019	376	18	as	as	ADP
ejif-9019	376	19	musharakah	musharakah	NOUN
ejif-9019	376	20	or	or	CCONJ
ejif-9019	376	21	mudarabah	mudarabah	NOUN
ejif-9019	376	22	to	to	PART
ejif-9019	376	23	invest	invest	VERB
ejif-9019	376	24	in	in	ADP
ejif-9019	376	25	businesses	business	NOUN
ejif-9019	376	26	.	.	PUNCT
ejif-9019	377	1	if	if	SCONJ
ejif-9019	377	2	islamic	islamic	ADJ
ejif-9019	377	3	venture	venture	NOUN
ejif-9019	377	4	capital	capital	NOUN
ejif-9019	377	5	is	be	AUX
ejif-9019	377	6	successfully	successfully	ADV
ejif-9019	377	7	established	establish	VERB
ejif-9019	377	8	in	in	ADP
ejif-9019	377	9	the	the	DET
ejif-9019	377	10	area	area	NOUN
ejif-9019	377	11	,	,	PUNCT
ejif-9019	377	12	it	it	PRON
ejif-9019	377	13	could	could	AUX
ejif-9019	377	14	play	play	VERB
ejif-9019	377	15	an	an	DET
ejif-9019	377	16	essential	essential	ADJ
ejif-9019	377	17	role	role	NOUN
ejif-9019	377	18	in	in	ADP
ejif-9019	377	19	alleviating	alleviate	VERB
ejif-9019	377	20	the	the	DET
ejif-9019	377	21	financial	financial	ADJ
ejif-9019	377	22	constraints	constraint	NOUN
ejif-9019	377	23	of	of	ADP
ejif-9019	377	24	local	local	ADJ
ejif-9019	377	25	smes	sme	NOUN
ejif-9019	377	26	.	.	PUNCT
ejif-9019	378	1	(	(	PUNCT
ejif-9019	378	2	iii	iii	X
ejif-9019	378	3	)	)	PUNCT
ejif-9019	378	4	islamic	islamic	ADJ
ejif-9019	378	5	derivative	derivative	NOUN
ejif-9019	378	6	:	:	PUNCT
ejif-9019	378	7	an	an	DET
ejif-9019	378	8	islamic	islamic	ADJ
ejif-9019	378	9	derivative	derivative	NOUN
ejif-9019	378	10	called	call	VERB
ejif-9019	378	11	bai	bai	PROPN
ejif-9019	378	12	-	-	PROPN
ejif-9019	378	13	al	al	PROPN
ejif-9019	378	14	salam	salam	PROPN
ejif-9019	378	15	could	could	AUX
ejif-9019	378	16	be	be	AUX
ejif-9019	378	17	introduced	introduce	VERB
ejif-9019	378	18	to	to	PART
ejif-9019	378	19	provide	provide	VERB
ejif-9019	378	20	working	work	VERB
ejif-9019	378	21	capital	capital	NOUN
ejif-9019	378	22	to	to	ADP
ejif-9019	378	23	agricultural	agricultural	ADJ
ejif-9019	378	24	workers	worker	NOUN
ejif-9019	378	25	.	.	PUNCT
ejif-9019	379	1	as	as	ADP
ejif-9019	379	2	of	of	ADP
ejif-9019	379	3	now	now	ADV
ejif-9019	379	4	,	,	PUNCT
ejif-9019	379	5	the	the	DET
ejif-9019	379	6	findings	finding	NOUN
ejif-9019	379	7	of	of	ADP
ejif-9019	379	8	the	the	DET
ejif-9019	379	9	interviews	interview	NOUN
ejif-9019	379	10	indicate	indicate	VERB
ejif-9019	379	11	that	that	SCONJ
ejif-9019	379	12	many	many	ADJ
ejif-9019	379	13	of	of	ADP
ejif-9019	379	14	them	they	PRON
ejif-9019	379	15	require	require	VERB
ejif-9019	379	16	a	a	DET
ejif-9019	379	17	loan	loan	NOUN
ejif-9019	379	18	from	from	ADP
ejif-9019	379	19	the	the	DET
ejif-9019	379	20	informal	informal	ADJ
ejif-9019	379	21	system	system	NOUN
ejif-9019	379	22	to	to	PART
ejif-9019	379	23	support	support	VERB
ejif-9019	379	24	their	their	PRON
ejif-9019	379	25	production	production	NOUN
ejif-9019	379	26	.	.	PUNCT
ejif-9019	380	1	thus	thus	ADV
ejif-9019	380	2	,	,	PUNCT
ejif-9019	380	3	if	if	SCONJ
ejif-9019	380	4	bai	bai	PROPN
ejif-9019	380	5	-	-	PUNCT
ejif-9019	380	6	al	al	PROPN
ejif-9019	380	7	salam	salam	PROPN
ejif-9019	380	8	can	can	AUX
ejif-9019	380	9	be	be	AUX
ejif-9019	380	10	implemented	implement	VERB
ejif-9019	380	11	,	,	PUNCT
ejif-9019	380	12	they	they	PRON
ejif-9019	380	13	can	can	AUX
ejif-9019	380	14	receive	receive	VERB
ejif-9019	380	15	shari'ah	shari'ah	NOUN
ejif-9019	380	16	-	-	PUNCT
ejif-9019	380	17	compliant	compliant	ADJ
ejif-9019	380	18	financial	financial	ADJ
ejif-9019	380	19	assistance	assistance	NOUN
ejif-9019	380	20	.	.	PUNCT
ejif-9019	381	1	european	european	ADJ
ejif-9019	381	2	journal	journal	PROPN
ejif-9019	381	3	of	of	ADP
ejif-9019	381	4	islamic	islamic	PROPN
ejif-9019	381	5	finance	finance	PROPN
ejif-9019	381	6	issn	issn	PROPN
ejif-9019	381	7	:	:	PUNCT
ejif-9019	381	8	2421	2421	NUM
ejif-9019	381	9	-	-	SYM
ejif-9019	381	10	2172	2172	NUM
ejif-9019	381	11	doi	doi	NOUN
ejif-9019	381	12	:	:	PUNCT
ejif-9019	381	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	381	14	-	-	SYM
ejif-9019	381	15	2172/9019	2172/9019	NUM
ejif-9019	381	16	published	publish	VERB
ejif-9019	381	17	by	by	ADP
ejif-9019	381	18	university	university	PROPN
ejif-9019	381	19	of	of	ADP
ejif-9019	381	20	turin	turin	PROPN
ejif-9019	382	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	382	2	ejif	ejif	PROPN
ejif-9019	382	3	content	content	NOUN
ejif-9019	382	4	is	be	AUX
ejif-9019	382	5	licensed	license	VERB
ejif-9019	382	6	under	under	ADP
ejif-9019	382	7	a	a	DET
ejif-9019	382	8	creative	creative	ADJ
ejif-9019	382	9	commons	common	NOUN
ejif-9019	382	10	attribution	attribution	NOUN
ejif-9019	382	11	4.0	4.0	NUM
ejif-9019	382	12	international	international	ADJ
ejif-9019	382	13	license	license	NOUN
ejif-9019	382	14	18	18	NUM
ejif-9019	382	15	regarding	regard	VERB
ejif-9019	382	16	the	the	DET
ejif-9019	382	17	development	development	NOUN
ejif-9019	382	18	of	of	ADP
ejif-9019	382	19	islamic	islamic	ADJ
ejif-9019	382	20	financial	financial	ADJ
ejif-9019	382	21	products	product	NOUN
ejif-9019	382	22	,	,	PUNCT
ejif-9019	382	23	universities	university	NOUN
ejif-9019	382	24	that	that	PRON
ejif-9019	382	25	offer	offer	VERB
ejif-9019	382	26	islamic	islamic	ADJ
ejif-9019	382	27	finance	finance	NOUN
ejif-9019	382	28	courses	course	NOUN
ejif-9019	382	29	in	in	ADP
ejif-9019	382	30	the	the	DET
ejif-9019	382	31	area	area	NOUN
ejif-9019	382	32	could	could	AUX
ejif-9019	382	33	make	make	VERB
ejif-9019	382	34	a	a	DET
ejif-9019	382	35	significant	significant	ADJ
ejif-9019	382	36	contribution	contribution	NOUN
ejif-9019	382	37	by	by	ADP
ejif-9019	382	38	researching	research	VERB
ejif-9019	382	39	to	to	PART
ejif-9019	382	40	identify	identify	VERB
ejif-9019	382	41	which	which	DET
ejif-9019	382	42	products	product	NOUN
ejif-9019	382	43	are	be	AUX
ejif-9019	382	44	compatible	compatible	ADJ
ejif-9019	382	45	with	with	ADP
ejif-9019	382	46	the	the	DET
ejif-9019	382	47	community	community	NOUN
ejif-9019	382	48	's	's	PART
ejif-9019	382	49	needs	need	NOUN
ejif-9019	382	50	.	.	PUNCT
ejif-9019	383	1	furthermore	furthermore	ADV
ejif-9019	383	2	,	,	PUNCT
ejif-9019	383	3	the	the	DET
ejif-9019	383	4	universities	university	NOUN
ejif-9019	383	5	could	could	AUX
ejif-9019	383	6	establish	establish	VERB
ejif-9019	383	7	an	an	DET
ejif-9019	383	8	information	information	NOUN
ejif-9019	383	9	centre	centre	NOUN
ejif-9019	383	10	to	to	PART
ejif-9019	383	11	collect	collect	VERB
ejif-9019	383	12	statistical	statistical	ADJ
ejif-9019	383	13	information	information	NOUN
ejif-9019	383	14	about	about	ADP
ejif-9019	383	15	the	the	DET
ejif-9019	383	16	islamic	islamic	ADJ
ejif-9019	383	17	financial	financial	ADJ
ejif-9019	383	18	sector	sector	NOUN
ejif-9019	383	19	in	in	ADP
ejif-9019	383	20	the	the	DET
ejif-9019	383	21	five	five	NUM
ejif-9019	383	22	southern	southern	ADJ
ejif-9019	383	23	border	border	NOUN
ejif-9019	383	24	provinces	province	NOUN
ejif-9019	383	25	.	.	PUNCT
ejif-9019	384	1	the	the	DET
ejif-9019	384	2	collection	collection	NOUN
ejif-9019	384	3	of	of	ADP
ejif-9019	384	4	such	such	ADJ
ejif-9019	384	5	information	information	NOUN
ejif-9019	384	6	could	could	AUX
ejif-9019	384	7	be	be	AUX
ejif-9019	384	8	essential	essential	ADJ
ejif-9019	384	9	in	in	ADP
ejif-9019	384	10	enabling	enable	VERB
ejif-9019	384	11	those	those	PRON
ejif-9019	384	12	involved	involve	VERB
ejif-9019	384	13	to	to	PART
ejif-9019	384	14	create	create	VERB
ejif-9019	384	15	islamic	islamic	ADJ
ejif-9019	384	16	financial	financial	ADJ
ejif-9019	384	17	products	product	NOUN
ejif-9019	384	18	that	that	PRON
ejif-9019	384	19	meet	meet	VERB
ejif-9019	384	20	the	the	DET
ejif-9019	384	21	demands	demand	NOUN
ejif-9019	384	22	of	of	ADP
ejif-9019	384	23	the	the	DET
ejif-9019	384	24	target	target	NOUN
ejif-9019	384	25	customers	customer	NOUN
ejif-9019	384	26	.	.	PUNCT
ejif-9019	385	1	concerning	concern	VERB
ejif-9019	385	2	religious	religious	ADJ
ejif-9019	385	3	organisations	organisation	NOUN
ejif-9019	385	4	,	,	PUNCT
ejif-9019	385	5	the	the	DET
ejif-9019	385	6	islamic	islamic	ADJ
ejif-9019	385	7	provincial	provincial	ADJ
ejif-9019	385	8	councils	council	NOUN
ejif-9019	385	9	should	should	AUX
ejif-9019	385	10	use	use	VERB
ejif-9019	385	11	the	the	DET
ejif-9019	385	12	function	function	NOUN
ejif-9019	385	13	of	of	ADP
ejif-9019	385	14	islamic	islamic	ADJ
ejif-9019	385	15	almsgiving	almsgiving	NOUN
ejif-9019	385	16	like	like	ADP
ejif-9019	385	17	zakat	zakat	NOUN
ejif-9019	385	18	to	to	PART
ejif-9019	385	19	facilitate	facilitate	VERB
ejif-9019	385	20	the	the	DET
ejif-9019	385	21	transfer	transfer	NOUN
ejif-9019	385	22	of	of	ADP
ejif-9019	385	23	wealth	wealth	NOUN
ejif-9019	385	24	from	from	ADP
ejif-9019	385	25	the	the	DET
ejif-9019	385	26	rich	rich	ADJ
ejif-9019	385	27	to	to	ADP
ejif-9019	385	28	the	the	DET
ejif-9019	385	29	poor	poor	ADJ
ejif-9019	385	30	.	.	PUNCT
ejif-9019	386	1	now	now	ADV
ejif-9019	386	2	,	,	PUNCT
ejif-9019	386	3	it	it	PRON
ejif-9019	386	4	has	have	AUX
ejif-9019	386	5	been	be	AUX
ejif-9019	386	6	discovered	discover	VERB
ejif-9019	386	7	that	that	SCONJ
ejif-9019	386	8	the	the	DET
ejif-9019	386	9	collection	collection	NOUN
ejif-9019	386	10	of	of	ADP
ejif-9019	386	11	zakat	zakat	NOUN
ejif-9019	386	12	on	on	ADP
ejif-9019	386	13	wealth	wealth	NOUN
ejif-9019	386	14	at	at	ADP
ejif-9019	386	15	the	the	DET
ejif-9019	386	16	provincial	provincial	ADJ
ejif-9019	386	17	level	level	NOUN
ejif-9019	386	18	is	be	AUX
ejif-9019	386	19	not	not	PART
ejif-9019	386	20	well	well	ADV
ejif-9019	386	21	organised	organise	VERB
ejif-9019	386	22	,	,	PUNCT
ejif-9019	386	23	and	and	CCONJ
ejif-9019	386	24	information	information	NOUN
ejif-9019	386	25	about	about	ADP
ejif-9019	386	26	the	the	DET
ejif-9019	386	27	number	number	NOUN
ejif-9019	386	28	of	of	ADP
ejif-9019	386	29	people	people	NOUN
ejif-9019	386	30	eligible	eligible	ADJ
ejif-9019	386	31	to	to	PART
ejif-9019	386	32	receive	receive	VERB
ejif-9019	386	33	zakat	zakat	PROPN
ejif-9019	386	34	is	be	AUX
ejif-9019	386	35	also	also	ADV
ejif-9019	386	36	ambiguous	ambiguous	ADJ
ejif-9019	386	37	.	.	PUNCT
ejif-9019	387	1	if	if	SCONJ
ejif-9019	387	2	they	they	PRON
ejif-9019	387	3	can	can	AUX
ejif-9019	387	4	successfully	successfully	ADV
ejif-9019	387	5	manage	manage	VERB
ejif-9019	387	6	the	the	DET
ejif-9019	387	7	islamic	islamic	ADJ
ejif-9019	387	8	redistributive	redistributive	ADJ
ejif-9019	387	9	mechanism	mechanism	NOUN
ejif-9019	387	10	and	and	CCONJ
ejif-9019	387	11	make	make	VERB
ejif-9019	387	12	it	it	PRON
ejif-9019	387	13	available	available	ADJ
ejif-9019	387	14	to	to	ADP
ejif-9019	387	15	all	all	DET
ejif-9019	387	16	recipients	recipient	NOUN
ejif-9019	387	17	,	,	PUNCT
ejif-9019	387	18	they	they	PRON
ejif-9019	387	19	can	can	AUX
ejif-9019	387	20	create	create	VERB
ejif-9019	387	21	a	a	DET
ejif-9019	387	22	broader	broad	ADJ
ejif-9019	387	23	impact	impact	NOUN
ejif-9019	387	24	on	on	ADP
ejif-9019	387	25	financial	financial	ADJ
ejif-9019	387	26	inclusion	inclusion	NOUN
ejif-9019	387	27	,	,	PUNCT
ejif-9019	387	28	particularly	particularly	ADV
ejif-9019	387	29	among	among	ADP
ejif-9019	387	30	the	the	DET
ejif-9019	387	31	grassroots	grassroots	ADJ
ejif-9019	387	32	population	population	NOUN
ejif-9019	387	33	.	.	PUNCT
ejif-9019	388	1	according	accord	VERB
ejif-9019	388	2	to	to	ADP
ejif-9019	388	3	the	the	DET
ejif-9019	388	4	recommendations	recommendation	NOUN
ejif-9019	388	5	,	,	PUNCT
ejif-9019	388	6	the	the	DET
ejif-9019	388	7	sustainability	sustainability	NOUN
ejif-9019	388	8	of	of	ADP
ejif-9019	388	9	initiatives	initiative	NOUN
ejif-9019	388	10	toward	toward	ADP
ejif-9019	388	11	ifl	ifl	PROPN
ejif-9019	388	12	and	and	CCONJ
ejif-9019	388	13	ifi	ifi	PROPN
ejif-9019	388	14	in	in	ADP
ejif-9019	388	15	thailand	thailand	PROPN
ejif-9019	388	16	's	's	PART
ejif-9019	388	17	deep	deep	ADJ
ejif-9019	388	18	southern	southern	ADJ
ejif-9019	388	19	provinces	province	NOUN
ejif-9019	388	20	requires	require	VERB
ejif-9019	388	21	collaboration	collaboration	NOUN
ejif-9019	388	22	and	and	CCONJ
ejif-9019	388	23	coordination	coordination	NOUN
ejif-9019	388	24	among	among	ADP
ejif-9019	388	25	stakeholders	stakeholder	NOUN
ejif-9019	388	26	,	,	PUNCT
ejif-9019	388	27	including	include	VERB
ejif-9019	388	28	the	the	DET
ejif-9019	388	29	government	government	NOUN
ejif-9019	388	30	,	,	PUNCT
ejif-9019	388	31	academics	academic	NOUN
ejif-9019	388	32	,	,	PUNCT
ejif-9019	388	33	islamic	islamic	ADJ
ejif-9019	388	34	financial	financial	ADJ
ejif-9019	388	35	institutions	institution	NOUN
ejif-9019	388	36	,	,	PUNCT
ejif-9019	388	37	religious	religious	ADJ
ejif-9019	388	38	organisations	organisation	NOUN
ejif-9019	388	39	,	,	PUNCT
ejif-9019	388	40	and	and	CCONJ
ejif-9019	388	41	islamic	islamic	ADJ
ejif-9019	388	42	educational	educational	ADJ
ejif-9019	388	43	institutions	institution	NOUN
ejif-9019	388	44	.	.	PUNCT
ejif-9019	389	1	therefore	therefore	ADV
ejif-9019	389	2	,	,	PUNCT
ejif-9019	389	3	it	it	PRON
ejif-9019	389	4	is	be	AUX
ejif-9019	389	5	recommended	recommend	VERB
ejif-9019	389	6	that	that	SCONJ
ejif-9019	389	7	an	an	DET
ejif-9019	389	8	mou	mou	PROPN
ejif-9019	389	9	should	should	AUX
ejif-9019	389	10	be	be	AUX
ejif-9019	389	11	signed	sign	VERB
ejif-9019	389	12	among	among	ADP
ejif-9019	389	13	these	these	DET
ejif-9019	389	14	parties	party	NOUN
ejif-9019	389	15	to	to	PART
ejif-9019	389	16	enable	enable	VERB
ejif-9019	389	17	the	the	DET
ejif-9019	389	18	effective	effective	ADJ
ejif-9019	389	19	implementation	implementation	NOUN
ejif-9019	389	20	of	of	ADP
ejif-9019	389	21	such	such	ADJ
ejif-9019	389	22	initiatives	initiative	NOUN
ejif-9019	389	23	.	.	PUNCT
ejif-9019	390	1	the	the	DET
ejif-9019	390	2	mou	mou	PROPN
ejif-9019	390	3	should	should	AUX
ejif-9019	390	4	explicitly	explicitly	ADV
ejif-9019	390	5	state	state	VERB
ejif-9019	390	6	that	that	SCONJ
ejif-9019	390	7	all	all	DET
ejif-9019	390	8	parties	party	NOUN
ejif-9019	390	9	will	will	AUX
ejif-9019	390	10	work	work	VERB
ejif-9019	390	11	together	together	ADV
ejif-9019	390	12	to	to	PART
ejif-9019	390	13	organise	organise	VERB
ejif-9019	390	14	ifl	ifl	PROPN
ejif-9019	390	15	programs	program	NOUN
ejif-9019	390	16	in	in	ADP
ejif-9019	390	17	a	a	DET
ejif-9019	390	18	well	well	ADV
ejif-9019	390	19	-	-	PUNCT
ejif-9019	390	20	defined	define	VERB
ejif-9019	390	21	manner	manner	NOUN
ejif-9019	390	22	,	,	PUNCT
ejif-9019	390	23	including	include	VERB
ejif-9019	390	24	details	detail	NOUN
ejif-9019	390	25	on	on	ADP
ejif-9019	390	26	budgets	budget	NOUN
ejif-9019	390	27	,	,	PUNCT
ejif-9019	390	28	objectives	objective	NOUN
ejif-9019	390	29	,	,	PUNCT
ejif-9019	390	30	timelines	timeline	NOUN
ejif-9019	390	31	,	,	PUNCT
ejif-9019	390	32	indicators	indicator	NOUN
ejif-9019	390	33	,	,	PUNCT
ejif-9019	390	34	and	and	CCONJ
ejif-9019	390	35	the	the	DET
ejif-9019	390	36	roles	role	NOUN
ejif-9019	390	37	of	of	ADP
ejif-9019	390	38	each	each	DET
ejif-9019	390	39	organisation	organisation	NOUN
ejif-9019	390	40	.	.	PUNCT
ejif-9019	391	1	hence	hence	ADV
ejif-9019	391	2	,	,	PUNCT
ejif-9019	391	3	if	if	SCONJ
ejif-9019	391	4	these	these	DET
ejif-9019	391	5	recommendations	recommendation	NOUN
ejif-9019	391	6	are	be	AUX
ejif-9019	391	7	implemented	implement	VERB
ejif-9019	391	8	appropriately	appropriately	ADV
ejif-9019	391	9	,	,	PUNCT
ejif-9019	391	10	the	the	DET
ejif-9019	391	11	islamic	islamic	ADJ
ejif-9019	391	12	financial	financial	ADJ
ejif-9019	391	13	sector	sector	NOUN
ejif-9019	391	14	would	would	AUX
ejif-9019	391	15	be	be	AUX
ejif-9019	391	16	in	in	ADP
ejif-9019	391	17	a	a	DET
ejif-9019	391	18	better	well	ADJ
ejif-9019	391	19	position	position	NOUN
ejif-9019	391	20	to	to	PART
ejif-9019	391	21	meet	meet	VERB
ejif-9019	391	22	the	the	DET
ejif-9019	391	23	demands	demand	NOUN
ejif-9019	391	24	of	of	ADP
ejif-9019	391	25	their	their	PRON
ejif-9019	391	26	prospects	prospect	NOUN
ejif-9019	391	27	and	and	CCONJ
ejif-9019	391	28	help	help	VERB
ejif-9019	391	29	the	the	DET
ejif-9019	391	30	country	country	NOUN
ejif-9019	391	31	achieve	achieve	VERB
ejif-9019	391	32	financial	financial	ADJ
ejif-9019	391	33	deepening	deepening	NOUN
ejif-9019	391	34	.	.	PUNCT
ejif-9019	392	1	6	6	X
ejif-9019	392	2	.	.	X
ejif-9019	392	3	conclusion	conclusion	NOUN
ejif-9019	392	4	based	base	VERB
ejif-9019	392	5	on	on	ADP
ejif-9019	392	6	the	the	DET
ejif-9019	392	7	empirical	empirical	ADJ
ejif-9019	392	8	findings	finding	NOUN
ejif-9019	392	9	,	,	PUNCT
ejif-9019	392	10	quantitative	quantitative	ADJ
ejif-9019	392	11	and	and	CCONJ
ejif-9019	392	12	qualitative	qualitative	ADJ
ejif-9019	392	13	data	datum	NOUN
ejif-9019	392	14	were	be	AUX
ejif-9019	392	15	analysed	analyse	VERB
ejif-9019	392	16	and	and	CCONJ
ejif-9019	392	17	discussed	discuss	VERB
ejif-9019	392	18	to	to	PART
ejif-9019	392	19	illustrate	illustrate	VERB
ejif-9019	392	20	the	the	DET
ejif-9019	392	21	current	current	ADJ
ejif-9019	392	22	trends	trend	NOUN
ejif-9019	392	23	of	of	ADP
ejif-9019	392	24	ifl	ifl	PROPN
ejif-9019	392	25	and	and	CCONJ
ejif-9019	392	26	ifi	ifi	PROPN
ejif-9019	392	27	in	in	ADP
ejif-9019	392	28	thailand	thailand	PROPN
ejif-9019	392	29	's	's	PART
ejif-9019	392	30	deep	deep	ADJ
ejif-9019	392	31	southern	southern	ADJ
ejif-9019	392	32	provinces	province	NOUN
ejif-9019	392	33	.	.	PUNCT
ejif-9019	393	1	subsequently	subsequently	ADV
ejif-9019	393	2	,	,	PUNCT
ejif-9019	393	3	the	the	DET
ejif-9019	393	4	research	research	NOUN
ejif-9019	393	5	findings	finding	NOUN
ejif-9019	393	6	displayed	display	VERB
ejif-9019	393	7	the	the	DET
ejif-9019	393	8	obstacles	obstacle	NOUN
ejif-9019	393	9	to	to	ADP
ejif-9019	393	10	the	the	DET
ejif-9019	393	11	growth	growth	NOUN
ejif-9019	393	12	of	of	ADP
ejif-9019	393	13	ifl	ifl	PROPN
ejif-9019	393	14	and	and	CCONJ
ejif-9019	393	15	ifi	ifi	PROPN
ejif-9019	393	16	,	,	PUNCT
ejif-9019	393	17	followed	follow	VERB
ejif-9019	393	18	by	by	ADP
ejif-9019	393	19	the	the	DET
ejif-9019	393	20	recommendation	recommendation	NOUN
ejif-9019	393	21	of	of	ADP
ejif-9019	393	22	policies	policy	NOUN
ejif-9019	393	23	that	that	PRON
ejif-9019	393	24	could	could	AUX
ejif-9019	393	25	be	be	AUX
ejif-9019	393	26	pivotal	pivotal	ADJ
ejif-9019	393	27	in	in	ADP
ejif-9019	393	28	ensuring	ensure	VERB
ejif-9019	393	29	the	the	DET
ejif-9019	393	30	sustainability	sustainability	NOUN
ejif-9019	393	31	of	of	ADP
ejif-9019	393	32	islamic	islamic	ADJ
ejif-9019	393	33	finance	finance	NOUN
ejif-9019	393	34	in	in	ADP
ejif-9019	393	35	the	the	DET
ejif-9019	393	36	region	region	NOUN
ejif-9019	393	37	.	.	PUNCT
ejif-9019	394	1	it	it	PRON
ejif-9019	394	2	can	can	AUX
ejif-9019	394	3	be	be	AUX
ejif-9019	394	4	stated	state	VERB
ejif-9019	394	5	that	that	SCONJ
ejif-9019	394	6	this	this	DET
ejif-9019	394	7	study	study	NOUN
ejif-9019	394	8	has	have	AUX
ejif-9019	394	9	successfully	successfully	ADV
ejif-9019	394	10	addressed	address	VERB
ejif-9019	394	11	research	research	NOUN
ejif-9019	394	12	gaps	gap	NOUN
ejif-9019	394	13	in	in	ADP
ejif-9019	394	14	the	the	DET
ejif-9019	394	15	literature	literature	NOUN
ejif-9019	394	16	from	from	ADP
ejif-9019	394	17	contextual	contextual	ADJ
ejif-9019	394	18	,	,	PUNCT
ejif-9019	394	19	theoretical	theoretical	ADJ
ejif-9019	394	20	,	,	PUNCT
ejif-9019	394	21	and	and	CCONJ
ejif-9019	394	22	methodological	methodological	ADJ
ejif-9019	394	23	perspectives	perspective	NOUN
ejif-9019	394	24	.	.	PUNCT
ejif-9019	395	1	on	on	ADP
ejif-9019	395	2	the	the	DET
ejif-9019	395	3	contextual	contextual	ADJ
ejif-9019	395	4	side	side	NOUN
ejif-9019	395	5	,	,	PUNCT
ejif-9019	395	6	this	this	DET
ejif-9019	395	7	study	study	NOUN
ejif-9019	395	8	contributes	contribute	VERB
ejif-9019	395	9	to	to	ADP
ejif-9019	395	10	existing	exist	VERB
ejif-9019	395	11	knowledge	knowledge	NOUN
ejif-9019	395	12	by	by	ADP
ejif-9019	395	13	collecting	collect	VERB
ejif-9019	395	14	considerable	considerable	ADJ
ejif-9019	395	15	information	information	NOUN
ejif-9019	395	16	related	relate	VERB
ejif-9019	395	17	to	to	ADP
ejif-9019	395	18	ifl	ifl	PROPN
ejif-9019	395	19	and	and	CCONJ
ejif-9019	395	20	ifi	ifi	PROPN
ejif-9019	395	21	within	within	ADP
ejif-9019	395	22	thailand	thailand	PROPN
ejif-9019	395	23	's	's	PART
ejif-9019	395	24	islamic	islamic	ADJ
ejif-9019	395	25	financial	financial	ADJ
ejif-9019	395	26	industry	industry	NOUN
ejif-9019	395	27	.	.	PUNCT
ejif-9019	396	1	given	give	VERB
ejif-9019	396	2	that	that	SCONJ
ejif-9019	396	3	thailand	thailand	PROPN
ejif-9019	396	4	is	be	AUX
ejif-9019	396	5	a	a	DET
ejif-9019	396	6	muslim	muslim	ADJ
ejif-9019	396	7	minority	minority	NOUN
ejif-9019	396	8	country	country	NOUN
ejif-9019	396	9	,	,	PUNCT
ejif-9019	396	10	this	this	DET
ejif-9019	396	11	information	information	NOUN
ejif-9019	396	12	could	could	AUX
ejif-9019	396	13	be	be	AUX
ejif-9019	396	14	utilised	utilise	VERB
ejif-9019	396	15	as	as	ADP
ejif-9019	396	16	a	a	DET
ejif-9019	396	17	tool	tool	NOUN
ejif-9019	396	18	to	to	PART
ejif-9019	396	19	promote	promote	VERB
ejif-9019	396	20	financial	financial	ADJ
ejif-9019	396	21	opportunities	opportunity	NOUN
ejif-9019	396	22	for	for	ADP
ejif-9019	396	23	all	all	DET
ejif-9019	396	24	groups	group	NOUN
ejif-9019	396	25	of	of	ADP
ejif-9019	396	26	people	people	NOUN
ejif-9019	396	27	while	while	SCONJ
ejif-9019	396	28	also	also	ADV
ejif-9019	396	29	stimulating	stimulate	VERB
ejif-9019	396	30	economic	economic	ADJ
ejif-9019	396	31	growth	growth	NOUN
ejif-9019	396	32	in	in	ADP
ejif-9019	396	33	the	the	DET
ejif-9019	396	34	wider	wide	ADJ
ejif-9019	396	35	community	community	NOUN
ejif-9019	396	36	.	.	PUNCT
ejif-9019	397	1	regarding	regard	VERB
ejif-9019	397	2	the	the	DET
ejif-9019	397	3	theoretical	theoretical	ADJ
ejif-9019	397	4	point	point	NOUN
ejif-9019	397	5	of	of	ADP
ejif-9019	397	6	view	view	NOUN
ejif-9019	397	7	,	,	PUNCT
ejif-9019	397	8	this	this	DET
ejif-9019	397	9	study	study	NOUN
ejif-9019	397	10	contributes	contribute	VERB
ejif-9019	397	11	significantly	significantly	ADV
ejif-9019	397	12	to	to	ADP
ejif-9019	397	13	the	the	DET
ejif-9019	397	14	current	current	ADJ
ejif-9019	397	15	literature	literature	NOUN
ejif-9019	397	16	on	on	ADP
ejif-9019	397	17	ifl	ifl	PROPN
ejif-9019	397	18	assessment	assessment	NOUN
ejif-9019	397	19	by	by	ADP
ejif-9019	397	20	formulating	formulate	VERB
ejif-9019	397	21	a	a	DET
ejif-9019	397	22	framework	framework	NOUN
ejif-9019	397	23	that	that	PRON
ejif-9019	397	24	covers	cover	VERB
ejif-9019	397	25	the	the	DET
ejif-9019	397	26	dimensions	dimension	NOUN
ejif-9019	397	27	of	of	ADP
ejif-9019	397	28	islamic	islamic	ADJ
ejif-9019	397	29	financial	financial	ADJ
ejif-9019	397	30	knowledge	knowledge	NOUN
ejif-9019	397	31	,	,	PUNCT
ejif-9019	397	32	attitude	attitude	NOUN
ejif-9019	397	33	,	,	PUNCT
ejif-9019	397	34	and	and	CCONJ
ejif-9019	397	35	behaviour	behaviour	NOUN
ejif-9019	397	36	.	.	PUNCT
ejif-9019	398	1	the	the	DET
ejif-9019	398	2	clear	clear	ADJ
ejif-9019	398	3	framework	framework	NOUN
ejif-9019	398	4	then	then	ADV
ejif-9019	398	5	aided	aid	VERB
ejif-9019	398	6	the	the	DET
ejif-9019	398	7	study	study	NOUN
ejif-9019	398	8	in	in	ADP
ejif-9019	398	9	developing	develop	VERB
ejif-9019	398	10	the	the	DET
ejif-9019	398	11	measurement	measurement	NOUN
ejif-9019	398	12	indicators	indicator	NOUN
ejif-9019	398	13	.	.	PUNCT
ejif-9019	399	1	from	from	ADP
ejif-9019	399	2	a	a	DET
ejif-9019	399	3	methodological	methodological	ADJ
ejif-9019	399	4	perspective	perspective	NOUN
ejif-9019	399	5	,	,	PUNCT
ejif-9019	399	6	this	this	DET
ejif-9019	399	7	study	study	NOUN
ejif-9019	399	8	has	have	AUX
ejif-9019	399	9	enhanced	enhance	VERB
ejif-9019	399	10	the	the	DET
ejif-9019	399	11	understanding	understanding	NOUN
ejif-9019	399	12	of	of	ADP
ejif-9019	399	13	ifl	ifl	PROPN
ejif-9019	399	14	and	and	CCONJ
ejif-9019	399	15	ifi	ifi	PROPN
ejif-9019	399	16	by	by	ADP
ejif-9019	399	17	using	use	VERB
ejif-9019	399	18	a	a	DET
ejif-9019	399	19	mixedmethod	mixedmethod	NOUN
ejif-9019	399	20	approach	approach	NOUN
ejif-9019	399	21	to	to	PART
ejif-9019	399	22	collect	collect	VERB
ejif-9019	399	23	and	and	CCONJ
ejif-9019	399	24	analyse	analyse	NOUN
ejif-9019	399	25	data	datum	NOUN
ejif-9019	399	26	.	.	PUNCT
ejif-9019	400	1	including	include	VERB
ejif-9019	400	2	different	different	ADJ
ejif-9019	400	3	perspectives	perspective	NOUN
ejif-9019	400	4	in	in	ADP
ejif-9019	400	5	single	single	ADJ
ejif-9019	400	6	research	research	NOUN
ejif-9019	400	7	has	have	AUX
ejif-9019	400	8	also	also	ADV
ejif-9019	400	9	assisted	assist	VERB
ejif-9019	400	10	this	this	DET
ejif-9019	400	11	study	study	NOUN
ejif-9019	400	12	in	in	ADP
ejif-9019	400	13	drawing	draw	VERB
ejif-9019	400	14	thorough	thorough	ADJ
ejif-9019	400	15	conclusions	conclusion	NOUN
ejif-9019	400	16	about	about	ADP
ejif-9019	400	17	the	the	DET
ejif-9019	400	18	subjects	subject	NOUN
ejif-9019	400	19	.	.	PUNCT
ejif-9019	401	1	european	european	ADJ
ejif-9019	401	2	journal	journal	PROPN
ejif-9019	401	3	of	of	ADP
ejif-9019	401	4	islamic	islamic	PROPN
ejif-9019	401	5	finance	finance	PROPN
ejif-9019	401	6	issn	issn	PROPN
ejif-9019	401	7	:	:	PUNCT
ejif-9019	401	8	2421	2421	NUM
ejif-9019	401	9	-	-	SYM
ejif-9019	401	10	2172	2172	NUM
ejif-9019	401	11	doi	doi	NOUN
ejif-9019	401	12	:	:	PUNCT
ejif-9019	401	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	401	14	-	-	SYM
ejif-9019	401	15	2172/9019	2172/9019	NUM
ejif-9019	401	16	published	publish	VERB
ejif-9019	401	17	by	by	ADP
ejif-9019	401	18	university	university	PROPN
ejif-9019	401	19	of	of	ADP
ejif-9019	401	20	turin	turin	PROPN
ejif-9019	402	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	402	2	ejif	ejif	PROPN
ejif-9019	402	3	content	content	NOUN
ejif-9019	402	4	is	be	AUX
ejif-9019	402	5	licensed	license	VERB
ejif-9019	402	6	under	under	ADP
ejif-9019	402	7	a	a	DET
ejif-9019	402	8	creative	creative	ADJ
ejif-9019	402	9	commons	common	NOUN
ejif-9019	402	10	attribution	attribution	NOUN
ejif-9019	402	11	4.0	4.0	NUM
ejif-9019	402	12	international	international	ADJ
ejif-9019	402	13	license	license	NOUN
ejif-9019	402	14	19	19	NUM
ejif-9019	402	15	the	the	DET
ejif-9019	402	16	current	current	ADJ
ejif-9019	402	17	study	study	NOUN
ejif-9019	402	18	,	,	PUNCT
ejif-9019	402	19	however	however	ADV
ejif-9019	402	20	,	,	PUNCT
ejif-9019	402	21	has	have	VERB
ejif-9019	402	22	limitations	limitation	NOUN
ejif-9019	402	23	primarily	primarily	ADV
ejif-9019	402	24	stemming	stem	VERB
ejif-9019	402	25	from	from	ADP
ejif-9019	402	26	the	the	DET
ejif-9019	402	27	covid-19	covid-19	PROPN
ejif-9019	402	28	pandemic	pandemic	NOUN
ejif-9019	402	29	and	and	CCONJ
ejif-9019	402	30	the	the	DET
ejif-9019	402	31	restrictions	restriction	NOUN
ejif-9019	402	32	imposed	impose	VERB
ejif-9019	402	33	.	.	PUNCT
ejif-9019	403	1	these	these	DET
ejif-9019	403	2	restrictions	restriction	NOUN
ejif-9019	403	3	prevented	prevent	VERB
ejif-9019	403	4	the	the	DET
ejif-9019	403	5	researcher	researcher	NOUN
ejif-9019	403	6	from	from	ADP
ejif-9019	403	7	conducting	conduct	VERB
ejif-9019	403	8	face	face	NOUN
ejif-9019	403	9	-	-	PUNCT
ejif-9019	403	10	to	to	ADP
ejif-9019	403	11	-	-	PUNCT
ejif-9019	403	12	face	face	NOUN
ejif-9019	403	13	interviews	interview	NOUN
ejif-9019	403	14	with	with	ADP
ejif-9019	403	15	informants	informant	NOUN
ejif-9019	403	16	.	.	PUNCT
ejif-9019	404	1	due	due	ADP
ejif-9019	404	2	to	to	ADP
ejif-9019	404	3	the	the	DET
ejif-9019	404	4	lack	lack	NOUN
ejif-9019	404	5	of	of	ADP
ejif-9019	404	6	face	face	NOUN
ejif-9019	404	7	-	-	PUNCT
ejif-9019	404	8	to	to	ADP
ejif-9019	404	9	-	-	PUNCT
ejif-9019	404	10	face	face	NOUN
ejif-9019	404	11	interviews	interview	NOUN
ejif-9019	404	12	,	,	PUNCT
ejif-9019	404	13	the	the	DET
ejif-9019	404	14	researcher	researcher	NOUN
ejif-9019	404	15	may	may	AUX
ejif-9019	404	16	have	have	AUX
ejif-9019	404	17	missed	miss	VERB
ejif-9019	404	18	the	the	DET
ejif-9019	404	19	depth	depth	NOUN
ejif-9019	404	20	of	of	ADP
ejif-9019	404	21	insights	insight	NOUN
ejif-9019	404	22	that	that	PRON
ejif-9019	404	23	could	could	AUX
ejif-9019	404	24	have	have	AUX
ejif-9019	404	25	been	be	AUX
ejif-9019	404	26	gleaned	glean	VERB
ejif-9019	404	27	from	from	ADP
ejif-9019	404	28	these	these	DET
ejif-9019	404	29	encounters	encounter	NOUN
ejif-9019	404	30	.	.	PUNCT
ejif-9019	405	1	it	it	PRON
ejif-9019	405	2	was	be	AUX
ejif-9019	405	3	also	also	ADV
ejif-9019	405	4	difficult	difficult	ADJ
ejif-9019	405	5	to	to	PART
ejif-9019	405	6	contact	contact	VERB
ejif-9019	405	7	any	any	DET
ejif-9019	405	8	islamic	islamic	ADJ
ejif-9019	405	9	financial	financial	ADJ
ejif-9019	405	10	-	-	PUNCT
ejif-9019	405	11	related	relate	VERB
ejif-9019	405	12	organisations	organisation	NOUN
ejif-9019	405	13	during	during	ADP
ejif-9019	405	14	the	the	DET
ejif-9019	405	15	lockdown	lockdown	NOUN
ejif-9019	405	16	because	because	SCONJ
ejif-9019	405	17	none	none	NOUN
ejif-9019	405	18	of	of	ADP
ejif-9019	405	19	them	they	PRON
ejif-9019	405	20	were	be	AUX
ejif-9019	405	21	open	open	ADJ
ejif-9019	405	22	.	.	PUNCT
ejif-9019	406	1	the	the	DET
ejif-9019	406	2	researcher	researcher	NOUN
ejif-9019	406	3	had	have	VERB
ejif-9019	406	4	to	to	PART
ejif-9019	406	5	use	use	VERB
ejif-9019	406	6	the	the	DET
ejif-9019	406	7	snowball	snowball	ADJ
ejif-9019	406	8	technique	technique	NOUN
ejif-9019	406	9	to	to	PART
ejif-9019	406	10	collect	collect	VERB
ejif-9019	406	11	information	information	NOUN
ejif-9019	406	12	from	from	ADP
ejif-9019	406	13	the	the	DET
ejif-9019	406	14	participants	participant	NOUN
ejif-9019	406	15	.	.	PUNCT
ejif-9019	407	1	still	still	ADV
ejif-9019	407	2	,	,	PUNCT
ejif-9019	407	3	as	as	ADP
ejif-9019	407	4	a	a	DET
ejif-9019	407	5	result	result	NOUN
ejif-9019	407	6	,	,	PUNCT
ejif-9019	407	7	the	the	DET
ejif-9019	407	8	time	time	NOUN
ejif-9019	407	9	it	it	PRON
ejif-9019	407	10	took	take	VERB
ejif-9019	407	11	to	to	PART
ejif-9019	407	12	schedule	schedule	VERB
ejif-9019	407	13	each	each	DET
ejif-9019	407	14	interview	interview	NOUN
ejif-9019	407	15	session	session	NOUN
ejif-9019	407	16	was	be	AUX
ejif-9019	407	17	longer	long	ADJ
ejif-9019	407	18	than	than	ADP
ejif-9019	407	19	usual	usual	ADJ
ejif-9019	407	20	.	.	PUNCT
ejif-9019	408	1	this	this	DET
ejif-9019	408	2	research	research	NOUN
ejif-9019	408	3	has	have	VERB
ejif-9019	408	4	recommendations	recommendation	NOUN
ejif-9019	408	5	that	that	PRON
ejif-9019	408	6	could	could	AUX
ejif-9019	408	7	provide	provide	VERB
ejif-9019	408	8	possibilities	possibility	NOUN
ejif-9019	408	9	for	for	ADP
ejif-9019	408	10	future	future	ADJ
ejif-9019	408	11	studies	study	NOUN
ejif-9019	408	12	.	.	PUNCT
ejif-9019	409	1	first	first	ADV
ejif-9019	409	2	,	,	PUNCT
ejif-9019	409	3	this	this	DET
ejif-9019	409	4	study	study	NOUN
ejif-9019	409	5	examined	examine	VERB
ejif-9019	409	6	the	the	DET
ejif-9019	409	7	level	level	NOUN
ejif-9019	409	8	of	of	ADP
ejif-9019	409	9	ifl	ifl	PROPN
ejif-9019	409	10	and	and	CCONJ
ejif-9019	409	11	ifi	ifi	PROPN
ejif-9019	409	12	among	among	ADP
ejif-9019	409	13	thai	thai	PROPN
ejif-9019	409	14	muslims	muslims	PROPN
ejif-9019	409	15	in	in	ADP
ejif-9019	409	16	the	the	DET
ejif-9019	409	17	five	five	NUM
ejif-9019	409	18	southernmost	southernmost	NOUN
ejif-9019	409	19	provinces	province	NOUN
ejif-9019	409	20	;	;	PUNCT
ejif-9019	409	21	the	the	DET
ejif-9019	409	22	findings	finding	NOUN
ejif-9019	409	23	are	be	AUX
ejif-9019	409	24	limited	limit	VERB
ejif-9019	409	25	to	to	ADP
ejif-9019	409	26	only	only	ADV
ejif-9019	409	27	one	one	NUM
ejif-9019	409	28	region	region	NOUN
ejif-9019	409	29	and	and	CCONJ
ejif-9019	409	30	may	may	AUX
ejif-9019	409	31	not	not	PART
ejif-9019	409	32	apply	apply	VERB
ejif-9019	409	33	to	to	ADP
ejif-9019	409	34	other	other	ADJ
ejif-9019	409	35	areas	area	NOUN
ejif-9019	409	36	.	.	PUNCT
ejif-9019	410	1	therefore	therefore	ADV
ejif-9019	410	2	,	,	PUNCT
ejif-9019	410	3	future	future	ADJ
ejif-9019	410	4	research	research	NOUN
ejif-9019	410	5	that	that	PRON
ejif-9019	410	6	includes	include	VERB
ejif-9019	410	7	a	a	DET
ejif-9019	410	8	sample	sample	NOUN
ejif-9019	410	9	of	of	ADP
ejif-9019	410	10	muslims	muslims	PROPN
ejif-9019	410	11	nationwide	nationwide	ADV
ejif-9019	410	12	should	should	AUX
ejif-9019	410	13	be	be	AUX
ejif-9019	410	14	conducted	conduct	VERB
ejif-9019	410	15	to	to	PART
ejif-9019	410	16	generalise	generalise	VERB
ejif-9019	410	17	the	the	DET
ejif-9019	410	18	findings	finding	NOUN
ejif-9019	410	19	and	and	CCONJ
ejif-9019	410	20	enable	enable	VERB
ejif-9019	410	21	a	a	DET
ejif-9019	410	22	more	more	ADV
ejif-9019	410	23	focused	focused	ADJ
ejif-9019	410	24	policy	policy	NOUN
ejif-9019	410	25	design	design	NOUN
ejif-9019	410	26	.	.	PUNCT
ejif-9019	411	1	second	second	ADJ
ejif-9019	411	2	,	,	PUNCT
ejif-9019	411	3	further	further	ADJ
ejif-9019	411	4	research	research	NOUN
ejif-9019	411	5	could	could	AUX
ejif-9019	411	6	investigate	investigate	VERB
ejif-9019	411	7	the	the	DET
ejif-9019	411	8	level	level	NOUN
ejif-9019	411	9	of	of	ADP
ejif-9019	411	10	ifl	ifl	PROPN
ejif-9019	411	11	and	and	CCONJ
ejif-9019	411	12	ifi	ifi	PROPN
ejif-9019	411	13	among	among	ADP
ejif-9019	411	14	vulnerable	vulnerable	ADJ
ejif-9019	411	15	groups	group	NOUN
ejif-9019	411	16	.	.	PUNCT
ejif-9019	412	1	a	a	DET
ejif-9019	412	2	study	study	NOUN
ejif-9019	412	3	aimed	aim	VERB
ejif-9019	412	4	at	at	ADP
ejif-9019	412	5	gathering	gather	VERB
ejif-9019	412	6	this	this	DET
ejif-9019	412	7	data	datum	NOUN
ejif-9019	412	8	may	may	AUX
ejif-9019	412	9	help	help	VERB
ejif-9019	412	10	policymakers	policymaker	NOUN
ejif-9019	412	11	advance	advance	VERB
ejif-9019	412	12	their	their	PRON
ejif-9019	412	13	understanding	understanding	NOUN
ejif-9019	412	14	and	and	CCONJ
ejif-9019	412	15	develop	develop	VERB
ejif-9019	412	16	effective	effective	ADJ
ejif-9019	412	17	strategies	strategy	NOUN
ejif-9019	412	18	for	for	ADP
ejif-9019	412	19	them	they	PRON
ejif-9019	412	20	.	.	PUNCT
ejif-9019	413	1	third	third	ADV
ejif-9019	413	2	,	,	PUNCT
ejif-9019	413	3	the	the	DET
ejif-9019	413	4	study	study	NOUN
ejif-9019	413	5	used	use	VERB
ejif-9019	413	6	a	a	DET
ejif-9019	413	7	cross	cross	ADJ
ejif-9019	413	8	-	-	ADJ
ejif-9019	413	9	sectional	sectional	ADJ
ejif-9019	413	10	design	design	NOUN
ejif-9019	413	11	that	that	PRON
ejif-9019	413	12	only	only	ADV
ejif-9019	413	13	collected	collect	VERB
ejif-9019	413	14	data	datum	NOUN
ejif-9019	413	15	at	at	ADP
ejif-9019	413	16	one	one	NUM
ejif-9019	413	17	point	point	NOUN
ejif-9019	413	18	.	.	PUNCT
ejif-9019	414	1	for	for	ADP
ejif-9019	414	2	future	future	ADJ
ejif-9019	414	3	research	research	NOUN
ejif-9019	414	4	,	,	PUNCT
ejif-9019	414	5	it	it	PRON
ejif-9019	414	6	is	be	AUX
ejif-9019	414	7	highly	highly	ADV
ejif-9019	414	8	recommended	recommend	VERB
ejif-9019	414	9	that	that	SCONJ
ejif-9019	414	10	relevant	relevant	ADJ
ejif-9019	414	11	agencies	agency	NOUN
ejif-9019	414	12	should	should	AUX
ejif-9019	414	13	adopt	adopt	VERB
ejif-9019	414	14	a	a	DET
ejif-9019	414	15	longitudinal	longitudinal	ADJ
ejif-9019	414	16	study	study	NOUN
ejif-9019	414	17	to	to	PART
ejif-9019	414	18	measure	measure	VERB
ejif-9019	414	19	ifl	ifl	PROPN
ejif-9019	414	20	and	and	CCONJ
ejif-9019	414	21	ifi	ifi	PROPN
ejif-9019	414	22	over	over	ADP
ejif-9019	414	23	an	an	DET
ejif-9019	414	24	extended	extended	ADJ
ejif-9019	414	25	period	period	NOUN
ejif-9019	414	26	.	.	PUNCT
ejif-9019	415	1	collecting	collect	VERB
ejif-9019	415	2	data	datum	NOUN
ejif-9019	415	3	in	in	ADP
ejif-9019	415	4	this	this	DET
ejif-9019	415	5	manner	manner	NOUN
ejif-9019	415	6	would	would	AUX
ejif-9019	415	7	make	make	VERB
ejif-9019	415	8	it	it	PRON
ejif-9019	415	9	possible	possible	ADJ
ejif-9019	415	10	to	to	PART
ejif-9019	415	11	determine	determine	VERB
ejif-9019	415	12	whether	whether	SCONJ
ejif-9019	415	13	there	there	PRON
ejif-9019	415	14	is	be	VERB
ejif-9019	415	15	a	a	DET
ejif-9019	415	16	notable	notable	ADJ
ejif-9019	415	17	change	change	NOUN
ejif-9019	415	18	in	in	ADP
ejif-9019	415	19	the	the	DET
ejif-9019	415	20	trends	trend	NOUN
ejif-9019	415	21	.	.	PUNCT
ejif-9019	416	1	finally	finally	ADV
ejif-9019	416	2	,	,	PUNCT
ejif-9019	416	3	despite	despite	SCONJ
ejif-9019	416	4	the	the	DET
ejif-9019	416	5	use	use	NOUN
ejif-9019	416	6	of	of	ADP
ejif-9019	416	7	mixed	mixed	ADJ
ejif-9019	416	8	methods	method	NOUN
ejif-9019	416	9	in	in	ADP
ejif-9019	416	10	this	this	DET
ejif-9019	416	11	study	study	NOUN
ejif-9019	416	12	,	,	PUNCT
ejif-9019	416	13	only	only	ADV
ejif-9019	416	14	primary	primary	ADJ
ejif-9019	416	15	data	datum	NOUN
ejif-9019	416	16	were	be	AUX
ejif-9019	416	17	utilised	utilise	VERB
ejif-9019	416	18	;	;	PUNCT
ejif-9019	416	19	thus	thus	ADV
ejif-9019	416	20	,	,	PUNCT
ejif-9019	416	21	future	future	ADJ
ejif-9019	416	22	research	research	NOUN
ejif-9019	416	23	could	could	AUX
ejif-9019	416	24	employ	employ	VERB
ejif-9019	416	25	a	a	DET
ejif-9019	416	26	mixed	mixed	ADJ
ejif-9019	416	27	methods	method	NOUN
ejif-9019	416	28	design	design	VERB
ejif-9019	416	29	with	with	ADP
ejif-9019	416	30	a	a	DET
ejif-9019	416	31	combination	combination	NOUN
ejif-9019	416	32	of	of	ADP
ejif-9019	416	33	primary	primary	ADJ
ejif-9019	416	34	and	and	CCONJ
ejif-9019	416	35	secondary	secondary	ADJ
ejif-9019	416	36	data	datum	NOUN
ejif-9019	416	37	to	to	PART
ejif-9019	416	38	increase	increase	VERB
ejif-9019	416	39	the	the	DET
ejif-9019	416	40	credibility	credibility	NOUN
ejif-9019	416	41	and	and	CCONJ
ejif-9019	416	42	depth	depth	NOUN
ejif-9019	416	43	of	of	ADP
ejif-9019	416	44	the	the	DET
ejif-9019	416	45	research	research	NOUN
ejif-9019	416	46	findings	finding	NOUN
ejif-9019	416	47	.	.	PUNCT
ejif-9019	417	1	acknowledgements	acknowledgement	VERB
ejif-9019	417	2	the	the	DET
ejif-9019	417	3	author	author	NOUN
ejif-9019	417	4	wishes	wish	VERB
ejif-9019	417	5	to	to	PART
ejif-9019	417	6	thank	thank	VERB
ejif-9019	417	7	the	the	DET
ejif-9019	417	8	turin	turin	PROPN
ejif-9019	417	9	islamic	islamic	PROPN
ejif-9019	417	10	economic	economic	PROPN
ejif-9019	417	11	forum	forum	PROPN
ejif-9019	417	12	online	online	ADJ
ejif-9019	417	13	workshop	workshop	NOUN
ejif-9019	417	14	for	for	ADP
ejif-9019	417	15	providing	provide	VERB
ejif-9019	417	16	me	i	PRON
ejif-9019	417	17	with	with	ADP
ejif-9019	417	18	this	this	DET
ejif-9019	417	19	opportunity	opportunity	NOUN
ejif-9019	417	20	.	.	PUNCT
ejif-9019	418	1	i	i	PRON
ejif-9019	418	2	would	would	AUX
ejif-9019	418	3	like	like	VERB
ejif-9019	418	4	to	to	PART
ejif-9019	418	5	extend	extend	VERB
ejif-9019	418	6	my	my	PRON
ejif-9019	418	7	profound	profound	ADJ
ejif-9019	418	8	appreciation	appreciation	NOUN
ejif-9019	418	9	and	and	CCONJ
ejif-9019	418	10	sincere	sincere	ADJ
ejif-9019	418	11	thanks	thank	NOUN
ejif-9019	418	12	to	to	ADP
ejif-9019	418	13	the	the	DET
ejif-9019	418	14	royal	royal	PROPN
ejif-9019	418	15	thai	thai	PROPN
ejif-9019	418	16	government	government	NOUN
ejif-9019	418	17	and	and	CCONJ
ejif-9019	418	18	the	the	DET
ejif-9019	418	19	ministry	ministry	PROPN
ejif-9019	418	20	of	of	ADP
ejif-9019	418	21	higher	high	ADJ
ejif-9019	418	22	education	education	NOUN
ejif-9019	418	23	,	,	PUNCT
ejif-9019	418	24	science	science	NOUN
ejif-9019	418	25	,	,	PUNCT
ejif-9019	418	26	research	research	NOUN
ejif-9019	418	27	,	,	PUNCT
ejif-9019	418	28	and	and	CCONJ
ejif-9019	418	29	innovation	innovation	NOUN
ejif-9019	418	30	for	for	ADP
ejif-9019	418	31	their	their	PRON
ejif-9019	418	32	generous	generous	ADJ
ejif-9019	418	33	financial	financial	ADJ
ejif-9019	418	34	support	support	NOUN
ejif-9019	418	35	.	.	PUNCT
ejif-9019	419	1	references	reference	NOUN
ejif-9019	419	2	abdullah	abdullah	PROPN
ejif-9019	419	3	,	,	PUNCT
ejif-9019	419	4	a.	a.	NOUN
ejif-9019	419	5	m.	m.	NOUN
ejif-9019	419	6	and	and	CCONJ
ejif-9019	419	7	anderson	anderson	PROPN
ejif-9019	419	8	,	,	PUNCT
ejif-9019	419	9	a.	a.	PROPN
ejif-9019	419	10	(	(	PUNCT
ejif-9019	419	11	2015	2015	NUM
ejif-9019	419	12	)	)	PUNCT
ejif-9019	419	13	islamic	islamic	ADJ
ejif-9019	419	14	financial	financial	ADJ
ejif-9019	419	15	literacy	literacy	NOUN
ejif-9019	419	16	among	among	ADP
ejif-9019	419	17	bankers	banker	NOUN
ejif-9019	419	18	in	in	ADP
ejif-9019	419	19	kuala	kuala	PROPN
ejif-9019	419	20	lumpur	lumpur	PROPN
ejif-9019	419	21	.	.	PUNCT
ejif-9019	420	1	journal	journal	PROPN
ejif-9019	420	2	of	of	ADP
ejif-9019	420	3	emerging	emerge	VERB
ejif-9019	420	4	economies	economy	NOUN
ejif-9019	420	5	and	and	CCONJ
ejif-9019	420	6	islamic	islamic	ADJ
ejif-9019	420	7	research	research	NOUN
ejif-9019	420	8	,	,	PUNCT
ejif-9019	420	9	3(2	3(2	NUM
ejif-9019	420	10	)	)	PUNCT
ejif-9019	420	11	,	,	PUNCT
ejif-9019	420	12	1	1	NUM
ejif-9019	420	13	-	-	SYM
ejif-9019	420	14	16	16	NUM
ejif-9019	420	15	.	.	PUNCT
ejif-9019	421	1	abdullah	abdullah	PROPN
ejif-9019	421	2	,	,	PUNCT
ejif-9019	421	3	a.	a.	NOUN
ejif-9019	421	4	m.	m.	NOUN
ejif-9019	421	5	and	and	CCONJ
ejif-9019	421	6	chong	chong	PROPN
ejif-9019	421	7	,	,	PUNCT
ejif-9019	421	8	r.	r.	PROPN
ejif-9019	421	9	(	(	PUNCT
ejif-9019	421	10	2014	2014	NUM
ejif-9019	421	11	)	)	PUNCT
ejif-9019	421	12	financial	financial	ADJ
ejif-9019	421	13	literacy	literacy	NOUN
ejif-9019	421	14	:	:	PUNCT
ejif-9019	421	15	an	an	DET
ejif-9019	421	16	exploratory	exploratory	ADJ
ejif-9019	421	17	review	review	NOUN
ejif-9019	421	18	of	of	ADP
ejif-9019	421	19	the	the	DET
ejif-9019	421	20	literature	literature	NOUN
ejif-9019	421	21	and	and	CCONJ
ejif-9019	421	22	future	future	ADJ
ejif-9019	421	23	research	research	NOUN
ejif-9019	421	24	.	.	PUNCT
ejif-9019	422	1	journal	journal	NOUN
ejif-9019	422	2	of	of	ADP
ejif-9019	422	3	emerging	emerge	VERB
ejif-9019	422	4	economies	economy	NOUN
ejif-9019	422	5	and	and	CCONJ
ejif-9019	422	6	islamic	islamic	ADJ
ejif-9019	422	7	research	research	NOUN
ejif-9019	422	8	,	,	PUNCT
ejif-9019	422	9	2	2	NUM
ejif-9019	422	10	(	(	PUNCT
ejif-9019	422	11	3	3	NUM
ejif-9019	422	12	)	)	PUNCT
ejif-9019	422	13	.	.	PUNCT
ejif-9019	423	1	abdullah	abdullah	PROPN
ejif-9019	423	2	,	,	PUNCT
ejif-9019	423	3	h.	h.	PROPN
ejif-9019	423	4	r.	r.	PROPN
ejif-9019	423	5	and	and	CCONJ
ejif-9019	423	6	razak	razak	PROPN
ejif-9019	423	7	,	,	PUNCT
ejif-9019	423	8	a.	a.	PROPN
ejif-9019	423	9	l.	l.	PROPN
ejif-9019	423	10	h.	h.	PROPN
ejif-9019	423	11	a.	a.	PROPN
ejif-9019	423	12	(	(	PUNCT
ejif-9019	423	13	2015	2015	NUM
ejif-9019	423	14	)	)	PUNCT
ejif-9019	423	15	exploratory	exploratory	ADJ
ejif-9019	423	16	research	research	NOUN
ejif-9019	423	17	into	into	ADP
ejif-9019	423	18	islamic	islamic	ADJ
ejif-9019	423	19	financial	financial	ADJ
ejif-9019	423	20	literacy	literacy	NOUN
ejif-9019	423	21	in	in	ADP
ejif-9019	423	22	brunei	brunei	PROPN
ejif-9019	423	23	darussalam	darussalam	PROPN
ejif-9019	423	24	.	.	PUNCT
ejif-9019	424	1	faculty	faculty	NOUN
ejif-9019	424	2	of	of	ADP
ejif-9019	424	3	business	business	NOUN
ejif-9019	424	4	and	and	CCONJ
ejif-9019	424	5	management	management	NOUN
ejif-9019	424	6	sciences	science	NOUN
ejif-9019	424	7	,	,	PUNCT
ejif-9019	424	8	universiti	universiti	PROPN
ejif-9019	424	9	islam	islam	PROPN
ejif-9019	424	10	sultan	sultan	PROPN
ejif-9019	424	11	sharif	sharif	PROPN
ejif-9019	424	12	ali	ali	PROPN
ejif-9019	424	13	,	,	PUNCT
ejif-9019	424	14	brunei	brunei	PROPN
ejif-9019	424	15	darussalam	darussalam	PROPN
ejif-9019	424	16	.	.	PUNCT
ejif-9019	425	1	abdullah	abdullah	PROPN
ejif-9019	425	2	,	,	PUNCT
ejif-9019	425	3	md	md	PROPN
ejif-9019	425	4	.	.	PROPN
ejif-9019	425	5	f.	f.	PROPN
ejif-9019	425	6	,	,	PUNCT
ejif-9019	425	7	hoque	hoque	NOUN
ejif-9019	425	8	,	,	PUNCT
ejif-9019	425	9	m.	m.	NOUN
ejif-9019	425	10	n.	n.	PROPN
ejif-9019	425	11	,	,	PUNCT
ejif-9019	425	12	rahman	rahman	PROPN
ejif-9019	425	13	,	,	PUNCT
ejif-9019	425	14	md	md	PROPN
ejif-9019	425	15	.	.	PUNCT
ejif-9019	425	16	h.	h.	PROPN
ejif-9019	425	17	and	and	CCONJ
ejif-9019	425	18	said	say	VERB
ejif-9019	425	19	,	,	PUNCT
ejif-9019	425	20	j.	j.	PROPN
ejif-9019	425	21	(	(	PUNCT
ejif-9019	425	22	2022	2022	NUM
ejif-9019	425	23	)	)	PUNCT
ejif-9019	425	24	can	can	AUX
ejif-9019	425	25	islamic	islamic	VERB
ejif-9019	425	26	financial	financial	ADJ
ejif-9019	425	27	literacy	literacy	NOUN
ejif-9019	425	28	minimize	minimize	VERB
ejif-9019	425	29	bankruptcy	bankruptcy	NOUN
ejif-9019	425	30	among	among	ADP
ejif-9019	425	31	the	the	DET
ejif-9019	425	32	muslims	muslim	NOUN
ejif-9019	425	33	?	?	PUNCT
ejif-9019	426	1	an	an	DET
ejif-9019	426	2	exploratory	exploratory	ADJ
ejif-9019	426	3	study	study	NOUN
ejif-9019	426	4	in	in	ADP
ejif-9019	426	5	malaysia	malaysia	PROPN
ejif-9019	426	6	.	.	PUNCT
ejif-9019	427	1	sage	sage	VERB
ejif-9019	427	2	open	open	ADJ
ejif-9019	427	3	,	,	PUNCT
ejif-9019	427	4	12(4	12(4	NUM
ejif-9019	427	5	)	)	PUNCT
ejif-9019	427	6	.	.	PUNCT
ejif-9019	428	1	[	[	X
ejif-9019	428	2	online	online	X
ejif-9019	428	3	]	]	X
ejif-9019	428	4	available	available	ADJ
ejif-9019	428	5	from	from	ADP
ejif-9019	428	6	:	:	PUNCT
ejif-9019	428	7	https://journalssagepub-com.ezproxy.bolton.ac.uk/doi/epub/10.1177/21582440221134898	https://journalssagepub-com.ezproxy.bolton.ac.uk/doi/epub/10.1177/21582440221134898	PROPN
ejif-9019	428	8	.	.	PUNCT
ejif-9019	429	1	[	[	X
ejif-9019	429	2	accessed	access	VERB
ejif-9019	429	3	:	:	PUNCT
ejif-9019	429	4	5	5	NUM
ejif-9019	429	5	january	january	NOUN
ejif-9019	429	6	2023	2023	NUM
ejif-9019	429	7	]	]	PUNCT
ejif-9019	429	8	.	.	PUNCT
ejif-9019	430	1	abdullah	abdullah	PROPN
ejif-9019	430	2	,	,	PUNCT
ejif-9019	430	3	md	md	PROPN
ejif-9019	430	4	.	.	PROPN
ejif-9019	430	5	f.	f.	PROPN
ejif-9019	430	6	,	,	PUNCT
ejif-9019	430	7	hoque	hoque	NOUN
ejif-9019	430	8	,	,	PUNCT
ejif-9019	430	9	m.	m.	NOUN
ejif-9019	430	10	n.	n.	PROPN
ejif-9019	430	11	,	,	PUNCT
ejif-9019	430	12	rahman	rahman	PROPN
ejif-9019	430	13	,	,	PUNCT
ejif-9019	430	14	md	md	PROPN
ejif-9019	430	15	.	.	PUNCT
ejif-9019	430	16	h.	h.	PROPN
ejif-9019	430	17	and	and	CCONJ
ejif-9019	430	18	said	say	VERB
ejif-9019	430	19	,	,	PUNCT
ejif-9019	430	20	j.	j.	PROPN
ejif-9019	430	21	(	(	PUNCT
ejif-9019	430	22	2022	2022	NUM
ejif-9019	430	23	)	)	PUNCT
ejif-9019	430	24	can	can	AUX
ejif-9019	430	25	islamic	islamic	VERB
ejif-9019	430	26	financial	financial	ADJ
ejif-9019	430	27	literacy	literacy	NOUN
ejif-9019	430	28	minimize	minimize	VERB
ejif-9019	430	29	bankruptcy	bankruptcy	NOUN
ejif-9019	430	30	among	among	ADP
ejif-9019	430	31	the	the	DET
ejif-9019	430	32	muslims	muslim	NOUN
ejif-9019	430	33	?	?	PUNCT
ejif-9019	431	1	an	an	DET
ejif-9019	431	2	exploratory	exploratory	ADJ
ejif-9019	431	3	study	study	NOUN
ejif-9019	431	4	in	in	ADP
ejif-9019	431	5	malaysia	malaysia	PROPN
ejif-9019	431	6	.	.	PUNCT
ejif-9019	432	1	sage	sage	VERB
ejif-9019	432	2	open	open	ADJ
ejif-9019	432	3	,	,	PUNCT
ejif-9019	432	4	12(4	12(4	NUM
ejif-9019	432	5	)	)	PUNCT
ejif-9019	432	6	.	.	PUNCT
ejif-9019	433	1	[	[	X
ejif-9019	433	2	online	online	X
ejif-9019	433	3	]	]	X
ejif-9019	433	4	available	available	ADJ
ejif-9019	433	5	from	from	ADP
ejif-9019	433	6	:	:	PUNCT
ejif-9019	433	7	https://journalssagepub-com.ezproxy.bolton.ac.uk/doi/epub/10.1177/21582440221134898	https://journalssagepub-com.ezproxy.bolton.ac.uk/doi/epub/10.1177/21582440221134898	PROPN
ejif-9019	433	8	.	.	PUNCT
ejif-9019	434	1	[	[	X
ejif-9019	434	2	accessed	access	VERB
ejif-9019	434	3	:	:	PUNCT
ejif-9019	434	4	5	5	NUM
ejif-9019	434	5	january	january	NOUN
ejif-9019	434	6	2023	2023	NUM
ejif-9019	434	7	]	]	PUNCT
ejif-9019	434	8	.	.	PUNCT
ejif-9019	435	1	european	european	PROPN
ejif-9019	435	2	journal	journal	PROPN
ejif-9019	435	3	of	of	ADP
ejif-9019	435	4	islamic	islamic	PROPN
ejif-9019	435	5	finance	finance	PROPN
ejif-9019	435	6	issn	issn	PROPN
ejif-9019	435	7	:	:	PUNCT
ejif-9019	435	8	2421	2421	NUM
ejif-9019	435	9	-	-	SYM
ejif-9019	435	10	2172	2172	NUM
ejif-9019	435	11	doi	doi	NOUN
ejif-9019	435	12	:	:	PUNCT
ejif-9019	435	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	435	14	-	-	SYM
ejif-9019	435	15	2172/9019	2172/9019	NUM
ejif-9019	435	16	published	publish	VERB
ejif-9019	435	17	by	by	ADP
ejif-9019	435	18	university	university	PROPN
ejif-9019	435	19	of	of	ADP
ejif-9019	435	20	turin	turin	PROPN
ejif-9019	436	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	436	2	ejif	ejif	PROPN
ejif-9019	436	3	content	content	NOUN
ejif-9019	436	4	is	be	AUX
ejif-9019	436	5	licensed	license	VERB
ejif-9019	436	6	under	under	ADP
ejif-9019	436	7	a	a	DET
ejif-9019	436	8	creative	creative	ADJ
ejif-9019	436	9	commons	common	NOUN
ejif-9019	436	10	attribution	attribution	NOUN
ejif-9019	436	11	4.0	4.0	NUM
ejif-9019	436	12	international	international	ADJ
ejif-9019	436	13	license	license	NOUN
ejif-9019	436	14	20	20	NUM
ejif-9019	436	15	abdullah	abdullah	PROPN
ejif-9019	436	16	,	,	PUNCT
ejif-9019	436	17	z.	z.	PROPN
ejif-9019	436	18	,	,	PUNCT
ejif-9019	436	19	saleh	saleh	PROPN
ejif-9019	436	20	,	,	PUNCT
ejif-9019	436	21	s.	s.	PROPN
ejif-9019	436	22	and	and	CCONJ
ejif-9019	436	23	mujiyati	mujiyati	PROPN
ejif-9019	436	24	(	(	PUNCT
ejif-9019	436	25	2021	2021	NUM
ejif-9019	436	26	)	)	PUNCT
ejif-9019	436	27	determinant	determinant	ADJ
ejif-9019	436	28	of	of	ADP
ejif-9019	436	29	islamic	islamic	ADJ
ejif-9019	436	30	financial	financial	ADJ
ejif-9019	436	31	inclusion	inclusion	NOUN
ejif-9019	436	32	in	in	ADP
ejif-9019	436	33	digital	digital	ADJ
ejif-9019	436	34	era	era	NOUN
ejif-9019	436	35	:	:	PUNCT
ejif-9019	436	36	cross	cross	ADJ
ejif-9019	436	37	-	-	ADJ
ejif-9019	436	38	province	province	ADJ
ejif-9019	436	39	analysis	analysis	NOUN
ejif-9019	436	40	.	.	PUNCT
ejif-9019	437	1	an	an	DET
ejif-9019	437	2	-	-	PUNCT
ejif-9019	437	3	nisbah	nisbah	NOUN
ejif-9019	437	4	:	:	PUNCT
ejif-9019	437	5	jurnal	jurnal	ADJ
ejif-9019	437	6	ekonomi	ekonomi	PROPN
ejif-9019	437	7	syariah	syariah	PROPN
ejif-9019	437	8	,	,	PUNCT
ejif-9019	437	9	8(1	8(1	NOUN
ejif-9019	437	10	)	)	PUNCT
ejif-9019	437	11	,	,	PUNCT
ejif-9019	437	12	59	59	NUM
ejif-9019	437	13	-	-	SYM
ejif-9019	437	14	80	80	NUM
ejif-9019	437	15	.	.	PUNCT
ejif-9019	438	1	aboul	aboul	PROPN
ejif-9019	438	2	-	-	PUNCT
ejif-9019	438	3	dahab	dahab	PROPN
ejif-9019	438	4	,	,	PUNCT
ejif-9019	438	5	k.	k.	PROPN
ejif-9019	438	6	m.	m.	PROPN
ejif-9019	438	7	a.	a.	PROPN
ejif-9019	438	8	(	(	PUNCT
ejif-9019	438	9	2023	2023	NUM
ejif-9019	438	10	)	)	PUNCT
ejif-9019	438	11	the	the	DET
ejif-9019	438	12	contribution	contribution	NOUN
ejif-9019	438	13	of	of	ADP
ejif-9019	438	14	the	the	DET
ejif-9019	438	15	islamic	islamic	ADJ
ejif-9019	438	16	and	and	CCONJ
ejif-9019	438	17	social	social	ADJ
ejif-9019	438	18	banks	bank	NOUN
ejif-9019	438	19	to	to	ADP
ejif-9019	438	20	the	the	DET
ejif-9019	438	21	concept	concept	NOUN
ejif-9019	438	22	of	of	ADP
ejif-9019	438	23	sustainable	sustainable	ADJ
ejif-9019	438	24	development	development	NOUN
ejif-9019	438	25	,	,	PUNCT
ejif-9019	438	26	10(2	10(2	NUM
ejif-9019	438	27	)	)	PUNCT
ejif-9019	438	28	,	,	PUNCT
ejif-9019	438	29	pp	pp	PROPN
ejif-9019	438	30	.	.	PUNCT
ejif-9019	439	1	13	13	NUM
ejif-9019	439	2	-	-	SYM
ejif-9019	439	3	25	25	NUM
ejif-9019	439	4	.	.	PUNCT
ejif-9019	440	1	[	[	X
ejif-9019	440	2	online	online	X
ejif-9019	440	3	]	]	X
ejif-9019	440	4	available	available	ADJ
ejif-9019	440	5	from	from	ADP
ejif-9019	440	6	:	:	PUNCT
ejif-9019	440	7	https://ojs.unito.it/index.php/ejif/article/view/7178/6723	https://ojs.unito.it/index.php/ejif/article/view/7178/6723	ADJ
ejif-9019	440	8	.	.	PUNCT
ejif-9019	441	1	[	[	X
ejif-9019	441	2	accessed	access	VERB
ejif-9019	441	3	:	:	PUNCT
ejif-9019	441	4	8	8	NUM
ejif-9019	441	5	september	september	PROPN
ejif-9019	441	6	2024	2024	NUM
ejif-9019	441	7	]	]	PUNCT
ejif-9019	441	8	.	.	PUNCT
ejif-9019	442	1	ahmed	ahmed	PROPN
ejif-9019	442	2	,	,	PUNCT
ejif-9019	442	3	h.	h.	PROPN
ejif-9019	442	4	(	(	PUNCT
ejif-9019	442	5	2011	2011	NUM
ejif-9019	442	6	)	)	PUNCT
ejif-9019	442	7	maqasid	maqasid	PROPN
ejif-9019	442	8	al	al	PROPN
ejif-9019	442	9	shariah	shariah	PROPN
ejif-9019	442	10	and	and	CCONJ
ejif-9019	442	11	islamic	islamic	ADJ
ejif-9019	442	12	financial	financial	ADJ
ejif-9019	442	13	products	product	NOUN
ejif-9019	442	14	:	:	PUNCT
ejif-9019	442	15	a	a	DET
ejif-9019	442	16	framework	framework	NOUN
ejif-9019	442	17	for	for	ADP
ejif-9019	442	18	assessment	assessment	NOUN
ejif-9019	442	19	.	.	PUNCT
ejif-9019	443	1	isra	isra	PROPN
ejif-9019	443	2	international	international	PROPN
ejif-9019	443	3	journal	journal	PROPN
ejif-9019	443	4	of	of	ADP
ejif-9019	443	5	islamic	islamic	PROPN
ejif-9019	443	6	finance	finance	NOUN
ejif-9019	443	7	,	,	PUNCT
ejif-9019	443	8	149	149	NUM
ejif-9019	443	9	-	-	SYM
ejif-9019	443	10	160	160	NUM
ejif-9019	443	11	.	.	PUNCT
ejif-9019	444	1	ahmad	ahmad	PROPN
ejif-9019	444	2	,	,	PUNCT
ejif-9019	444	3	m.	m.	NOUN
ejif-9019	444	4	(	(	PUNCT
ejif-9019	444	5	2010	2010	NUM
ejif-9019	444	6	)	)	PUNCT
ejif-9019	444	7	why	why	SCONJ
ejif-9019	444	8	islamic	islamic	ADJ
ejif-9019	444	9	financial	financial	ADJ
ejif-9019	444	10	literacy	literacy	NOUN
ejif-9019	444	11	is	be	AUX
ejif-9019	444	12	important	important	ADJ
ejif-9019	444	13	.	.	PUNCT
ejif-9019	445	1	personal	personal	ADJ
ejif-9019	445	2	money	money	NOUN
ejif-9019	445	3	,	,	PUNCT
ejif-9019	445	4	46	46	NUM
ejif-9019	445	5	.	.	PUNCT
ejif-9019	445	6	aisyah	aisyah	PROPN
ejif-9019	445	7	,	,	PUNCT
ejif-9019	445	8	i.	i.	NOUN
ejif-9019	445	9	and	and	CCONJ
ejif-9019	445	10	saepuloh	saepuloh	PROPN
ejif-9019	445	11	,	,	PUNCT
ejif-9019	445	12	d.	d.	PROPN
ejif-9019	445	13	(	(	PUNCT
ejif-9019	445	14	2019	2019	NUM
ejif-9019	445	15	)	)	PUNCT
ejif-9019	445	16	the	the	DET
ejif-9019	445	17	implementation	implementation	NOUN
ejif-9019	445	18	of	of	ADP
ejif-9019	445	19	islamic	islamic	ADJ
ejif-9019	445	20	financial	financial	ADJ
ejif-9019	445	21	literacy	literacy	NOUN
ejif-9019	445	22	through	through	ADP
ejif-9019	445	23	“	"	PUNCT
ejif-9019	445	24	kencleng	kencleng	PROPN
ejif-9019	445	25	”	"	PUNCT
ejif-9019	445	26	program	program	NOUN
ejif-9019	445	27	in	in	ADP
ejif-9019	445	28	school	school	NOUN
ejif-9019	445	29	.	.	PUNCT
ejif-9019	446	1	in	in	ADP
ejif-9019	446	2	:	:	PUNCT
ejif-9019	446	3	2nd	2nd	ADJ
ejif-9019	446	4	international	international	ADJ
ejif-9019	446	5	conference	conference	NOUN
ejif-9019	446	6	on	on	ADP
ejif-9019	446	7	islamic	islamic	ADJ
ejif-9019	446	8	economics	economic	NOUN
ejif-9019	446	9	,	,	PUNCT
ejif-9019	446	10	business	business	NOUN
ejif-9019	446	11	,	,	PUNCT
ejif-9019	446	12	and	and	CCONJ
ejif-9019	446	13	philanthropy	philanthropy	NOUN
ejif-9019	446	14	(	(	PUNCT
ejif-9019	446	15	iciebp	iciebp	ADJ
ejif-9019	446	16	)	)	PUNCT
ejif-9019	446	17	theme	theme	NOUN
ejif-9019	446	18	:	:	PUNCT
ejif-9019	446	19	“	"	PUNCT
ejif-9019	446	20	sustainability	sustainability	NOUN
ejif-9019	446	21	and	and	CCONJ
ejif-9019	446	22	socio	socio	VERB
ejif-9019	446	23	economic	economic	ADJ
ejif-9019	446	24	growth	growth	NOUN
ejif-9019	446	25	”	"	PUNCT
ejif-9019	446	26	.	.	PUNCT
ejif-9019	447	1	(	(	PUNCT
ejif-9019	447	2	2019	2019	NUM
ejif-9019	447	3	)	)	PUNCT
ejif-9019	447	4	surabaya	surabaya	PROPN
ejif-9019	447	5	,	,	PUNCT
ejif-9019	447	6	indonesia	indonesia	PROPN
ejif-9019	447	7	,	,	PUNCT
ejif-9019	447	8	22	22	NUM
ejif-9019	447	9	november	november	PROPN
ejif-9019	447	10	2018	2018	NUM
ejif-9019	447	11	,	,	PUNCT
ejif-9019	447	12	kne	kne	PROPN
ejif-9019	447	13	social	social	PROPN
ejif-9019	447	14	sciences	sciences	PROPN
ejif-9019	447	15	,	,	PUNCT
ejif-9019	447	16	148–157	148–157	NUM
ejif-9019	447	17	.	.	PUNCT
ejif-9019	448	1	albaity	albaity	NOUN
ejif-9019	448	2	,	,	PUNCT
ejif-9019	448	3	m.	m.	NOUN
ejif-9019	448	4	and	and	CCONJ
ejif-9019	448	5	rahman	rahman	PROPN
ejif-9019	448	6	,	,	PUNCT
ejif-9019	448	7	m.	m.	NOUN
ejif-9019	448	8	(	(	PUNCT
ejif-9019	448	9	2019	2019	NUM
ejif-9019	448	10	)	)	PUNCT
ejif-9019	448	11	the	the	DET
ejif-9019	448	12	intention	intention	NOUN
ejif-9019	448	13	to	to	PART
ejif-9019	448	14	use	use	VERB
ejif-9019	448	15	islamic	islamic	ADJ
ejif-9019	448	16	banking	banking	NOUN
ejif-9019	448	17	:	:	PUNCT
ejif-9019	448	18	an	an	DET
ejif-9019	448	19	exploratory	exploratory	ADJ
ejif-9019	448	20	study	study	NOUN
ejif-9019	448	21	to	to	PART
ejif-9019	448	22	measure	measure	VERB
ejif-9019	448	23	islamic	islamic	ADJ
ejif-9019	448	24	financial	financial	ADJ
ejif-9019	448	25	literacy	literacy	NOUN
ejif-9019	448	26	.	.	PUNCT
ejif-9019	449	1	international	international	ADJ
ejif-9019	449	2	journal	journal	NOUN
ejif-9019	449	3	of	of	ADP
ejif-9019	449	4	emerging	emerge	VERB
ejif-9019	449	5	markets	market	NOUN
ejif-9019	449	6	,	,	PUNCT
ejif-9019	449	7	14(5	14(5	NUM
ejif-9019	449	8	)	)	PUNCT
ejif-9019	449	9	,	,	PUNCT
ejif-9019	449	10	988	988	NUM
ejif-9019	449	11	-	-	SYM
ejif-9019	449	12	1012	1012	NUM
ejif-9019	449	13	.	.	PUNCT
ejif-9019	450	1	alfarisi	alfarisi	PROPN
ejif-9019	450	2	,	,	PUNCT
ejif-9019	450	3	m.	m.	PROPN
ejif-9019	450	4	f.	f.	PROPN
ejif-9019	450	5	,	,	PUNCT
ejif-9019	450	6	agestayani	agestayani	PROPN
ejif-9019	450	7	and	and	CCONJ
ejif-9019	450	8	delfiani	delfiani	PROPN
ejif-9019	450	9	,	,	PUNCT
ejif-9019	450	10	s.	s.	PROPN
ejif-9019	450	11	(	(	PUNCT
ejif-9019	450	12	2020	2020	NUM
ejif-9019	450	13	)	)	PUNCT
ejif-9019	450	14	the	the	DET
ejif-9019	450	15	impact	impact	NOUN
ejif-9019	450	16	of	of	ADP
ejif-9019	450	17	islamic	islamic	ADJ
ejif-9019	450	18	economics	economic	NOUN
ejif-9019	450	19	and	and	CCONJ
ejif-9019	450	20	finance	finance	NOUN
ejif-9019	450	21	courses	course	NOUN
ejif-9019	450	22	on	on	ADP
ejif-9019	450	23	islamic	islamic	ADJ
ejif-9019	450	24	financial	financial	ADJ
ejif-9019	450	25	literacy	literacy	NOUN
ejif-9019	450	26	.	.	PUNCT
ejif-9019	451	1	iqtishadia	iqtishadia	PROPN
ejif-9019	451	2	,	,	PUNCT
ejif-9019	451	3	13(2	13(2	PROPN
ejif-9019	451	4	)	)	PUNCT
ejif-9019	451	5	,	,	PUNCT
ejif-9019	451	6	197	197	NUM
ejif-9019	451	7	-	-	SYM
ejif-9019	451	8	215	215	NUM
ejif-9019	451	9	.	.	PUNCT
ejif-9019	452	1	antara	antara	NOUN
ejif-9019	452	2	,	,	PUNCT
ejif-9019	452	3	p.	p.	NOUN
ejif-9019	452	4	m.	m.	NOUN
ejif-9019	452	5	,	,	PUNCT
ejif-9019	452	6	musa	musa	PROPN
ejif-9019	452	7	,	,	PUNCT
ejif-9019	452	8	r.	r.	PROPN
ejif-9019	452	9	and	and	CCONJ
ejif-9019	452	10	hassan	hassan	PROPN
ejif-9019	452	11	,	,	PUNCT
ejif-9019	452	12	f.	f.	PROPN
ejif-9019	452	13	(	(	PUNCT
ejif-9019	452	14	2016	2016	NUM
ejif-9019	452	15	)	)	PUNCT
ejif-9019	452	16	bridging	bridge	VERB
ejif-9019	452	17	islamic	islamic	ADJ
ejif-9019	452	18	financial	financial	ADJ
ejif-9019	452	19	literacy	literacy	NOUN
ejif-9019	452	20	and	and	CCONJ
ejif-9019	452	21	halal	halal	NOUN
ejif-9019	452	22	literacy	literacy	NOUN
ejif-9019	452	23	:	:	PUNCT
ejif-9019	452	24	the	the	DET
ejif-9019	452	25	way	way	NOUN
ejif-9019	452	26	forward	forward	ADV
ejif-9019	452	27	in	in	ADP
ejif-9019	452	28	halal	halal	PROPN
ejif-9019	452	29	ecosystem	ecosystem	NOUN
ejif-9019	452	30	.	.	PUNCT
ejif-9019	453	1	procedia	procedia	NOUN
ejif-9019	453	2	economics	economic	NOUN
ejif-9019	453	3	and	and	CCONJ
ejif-9019	453	4	finance	finance	NOUN
ejif-9019	453	5	,	,	PUNCT
ejif-9019	453	6	37	37	NUM
ejif-9019	453	7	,	,	PUNCT
ejif-9019	453	8	196	196	NUM
ejif-9019	453	9	-	-	SYM
ejif-9019	453	10	202	202	NUM
ejif-9019	453	11	.	.	PUNCT
ejif-9019	454	1	aris	aris	PROPN
ejif-9019	454	2	,	,	PUNCT
ejif-9019	454	3	n.	n.	PROPN
ejif-9019	454	4	a.	a.	PROPN
ejif-9019	454	5	,	,	PUNCT
ejif-9019	454	6	othman	othman	PROPN
ejif-9019	454	7	,	,	PUNCT
ejif-9019	454	8	r.	r.	PROPN
ejif-9019	454	9	,	,	PUNCT
ejif-9019	454	10	and	and	CCONJ
ejif-9019	454	11	azli	azli	NOUN
ejif-9019	454	12	,	,	PUNCT
ejif-9019	454	13	r.	r.	PROPN
ejif-9019	454	14	b.	b.	PROPN
ejif-9019	454	15	(	(	PUNCT
ejif-9019	454	16	2013	2013	NUM
ejif-9019	454	17	)	)	PUNCT
ejif-9019	454	18	pyramid	pyramid	NOUN
ejif-9019	454	19	of	of	ADP
ejif-9019	454	20	maslahah	maslahah	NOUN
ejif-9019	454	21	for	for	ADP
ejif-9019	454	22	social	social	ADJ
ejif-9019	454	23	and	and	CCONJ
ejif-9019	454	24	economic	economic	ADJ
ejif-9019	454	25	welfare	welfare	NOUN
ejif-9019	454	26	:	:	PUNCT
ejif-9019	454	27	the	the	DET
ejif-9019	454	28	case	case	NOUN
ejif-9019	454	29	of	of	ADP
ejif-9019	454	30	bank	bank	PROPN
ejif-9019	454	31	islam	islam	PROPN
ejif-9019	454	32	malaysia	malaysia	PROPN
ejif-9019	454	33	berhad	berhad	PROPN
ejif-9019	454	34	.	.	PROPN
ejif-9019	455	1	journal	journal	PROPN
ejif-9019	455	2	of	of	ADP
ejif-9019	455	3	energy	energy	NOUN
ejif-9019	455	4	technologies	technology	NOUN
ejif-9019	455	5	and	and	CCONJ
ejif-9019	455	6	policy	policy	NOUN
ejif-9019	455	7	,	,	PUNCT
ejif-9019	455	8	3	3	NUM
ejif-9019	455	9	,	,	PUNCT
ejif-9019	455	10	457	457	NUM
ejif-9019	455	11	-	-	SYM
ejif-9019	455	12	470	470	NUM
ejif-9019	455	13	.	.	PUNCT
ejif-9019	456	1	atkinson	atkinson	PROPN
ejif-9019	456	2	,	,	PUNCT
ejif-9019	456	3	a.	a.	NOUN
ejif-9019	456	4	and	and	CCONJ
ejif-9019	456	5	messy	messy	ADJ
ejif-9019	456	6	,	,	PUNCT
ejif-9019	456	7	f.	f.	PROPN
ejif-9019	456	8	(	(	PUNCT
ejif-9019	456	9	2013	2013	NUM
ejif-9019	456	10	)	)	PUNCT
ejif-9019	456	11	promoting	promote	VERB
ejif-9019	456	12	financial	financial	ADJ
ejif-9019	456	13	inclusion	inclusion	NOUN
ejif-9019	456	14	through	through	ADP
ejif-9019	456	15	financial	financial	ADJ
ejif-9019	456	16	education	education	NOUN
ejif-9019	456	17	:	:	PUNCT
ejif-9019	456	18	oecd	oecd	PROPN
ejif-9019	456	19	/	/	SYM
ejif-9019	456	20	infe	infe	NOUN
ejif-9019	456	21	evidence	evidence	NOUN
ejif-9019	456	22	,	,	PUNCT
ejif-9019	456	23	policies	policy	NOUN
ejif-9019	456	24	and	and	CCONJ
ejif-9019	456	25	practice	practice	NOUN
ejif-9019	456	26	.	.	PUNCT
ejif-9019	457	1	oecd	oecd	PROPN
ejif-9019	457	2	working	work	VERB
ejif-9019	457	3	papers	paper	NOUN
ejif-9019	457	4	on	on	ADP
ejif-9019	457	5	finance	finance	NOUN
ejif-9019	457	6	,	,	PUNCT
ejif-9019	457	7	insurance	insurance	NOUN
ejif-9019	457	8	and	and	CCONJ
ejif-9019	457	9	private	private	ADJ
ejif-9019	457	10	pensions	pension	NOUN
ejif-9019	457	11	no	no	INTJ
ejif-9019	457	12	.	.	PROPN
ejif-9019	457	13	34	34	NUM
ejif-9019	457	14	.	.	PUNCT
ejif-9019	458	1	paris	paris	PROPN
ejif-9019	458	2	:	:	PUNCT
ejif-9019	459	1	oecd	oecd	PROPN
ejif-9019	459	2	publishing	publishing	PROPN
ejif-9019	459	3	.	.	PUNCT
ejif-9019	460	1	ayub	ayub	PROPN
ejif-9019	460	2	,	,	PUNCT
ejif-9019	460	3	m.	m.	NOUN
ejif-9019	460	4	(	(	PUNCT
ejif-9019	460	5	2007	2007	NUM
ejif-9019	460	6	)	)	PUNCT
ejif-9019	460	7	understanding	understand	VERB
ejif-9019	460	8	islamic	islamic	ADJ
ejif-9019	460	9	finance	finance	NOUN
ejif-9019	460	10	.	.	PUNCT
ejif-9019	461	1	west	west	PROPN
ejif-9019	461	2	sussex	sussex	PROPN
ejif-9019	461	3	:	:	PUNCT
ejif-9019	461	4	john	john	PROPN
ejif-9019	461	5	wiley	wiley	PROPN
ejif-9019	461	6	and	and	CCONJ
ejif-9019	461	7	sons	son	NOUN
ejif-9019	461	8	.	.	PUNCT
ejif-9019	462	1	bank	bank	PROPN
ejif-9019	462	2	for	for	ADP
ejif-9019	462	3	international	international	ADJ
ejif-9019	462	4	settlements	settlement	NOUN
ejif-9019	462	5	.	.	PUNCT
ejif-9019	463	1	(	(	PUNCT
ejif-9019	463	2	2015	2015	NUM
ejif-9019	463	3	)	)	PUNCT
ejif-9019	463	4	financial	financial	ADJ
ejif-9019	463	5	inclusion	inclusion	NOUN
ejif-9019	463	6	indicators	indicator	NOUN
ejif-9019	463	7	.	.	PUNCT
ejif-9019	464	1	in	in	ADP
ejif-9019	464	2	:	:	PUNCT
ejif-9019	464	3	ifc	ifc	NOUN
ejif-9019	464	4	bulletin	bulletin	NOUN
ejif-9019	464	5	no	no	DET
ejif-9019	464	6	38	38	NUM
ejif-9019	464	7	.	.	PUNCT
ejif-9019	465	1	(	(	PUNCT
ejif-9019	465	2	2015	2015	NUM
ejif-9019	465	3	)	)	PUNCT
ejif-9019	465	4	proceedings	proceeding	NOUN
ejif-9019	465	5	of	of	ADP
ejif-9019	465	6	the	the	DET
ejif-9019	465	7	kuala	kuala	PROPN
ejif-9019	465	8	lumpur	lumpur	PROPN
ejif-9019	465	9	workshop	workshop	NOUN
ejif-9019	465	10	.	.	PUNCT
ejif-9019	466	1	kuala	kuala	PROPN
ejif-9019	466	2	lumpur	lumpur	PROPN
ejif-9019	466	3	,	,	PUNCT
ejif-9019	466	4	5	5	NUM
ejif-9019	466	5	-	-	SYM
ejif-9019	466	6	6	6	NUM
ejif-9019	466	7	november	november	PROPN
ejif-9019	466	8	2012	2012	NUM
ejif-9019	466	9	.	.	PUNCT
ejif-9019	467	1	[	[	X
ejif-9019	467	2	online	online	X
ejif-9019	467	3	]	]	X
ejif-9019	467	4	available	available	ADJ
ejif-9019	467	5	from	from	ADP
ejif-9019	467	6	:	:	PUNCT
ejif-9019	467	7	https://www.bis.org/ifc/publ/ifcb38.pdf	https://www.bis.org/ifc/publ/ifcb38.pdf	NOUN
ejif-9019	467	8	.	.	PUNCT
ejif-9019	468	1	[	[	X
ejif-9019	468	2	accessed	access	VERB
ejif-9019	468	3	3	3	NUM
ejif-9019	468	4	may	may	NOUN
ejif-9019	468	5	2020	2020	NUM
ejif-9019	468	6	]	]	PUNCT
ejif-9019	468	7	.	.	PUNCT
ejif-9019	469	1	bank	bank	PROPN
ejif-9019	469	2	of	of	ADP
ejif-9019	469	3	thailand	thailand	PROPN
ejif-9019	469	4	.	.	PUNCT
ejif-9019	470	1	(	(	PUNCT
ejif-9019	470	2	2020	2020	NUM
ejif-9019	470	3	)	)	PUNCT
ejif-9019	470	4	financial	financial	ADJ
ejif-9019	470	5	access	access	NOUN
ejif-9019	470	6	survey	survey	NOUN
ejif-9019	470	7	of	of	ADP
ejif-9019	470	8	thai	thai	ADJ
ejif-9019	470	9	household	household	NOUN
ejif-9019	470	10	2020	2020	NUM
ejif-9019	470	11	.	.	PUNCT
ejif-9019	471	1	[	[	X
ejif-9019	471	2	online	online	X
ejif-9019	471	3	]	]	X
ejif-9019	471	4	available	available	ADJ
ejif-9019	471	5	from	from	ADP
ejif-9019	471	6	:	:	PUNCT
ejif-9019	471	7	https://www.bot.or.th/english/financialinstitutions/highlights/doclib_financialaccesssurveyofthaihouseholds_2020/2	https://www.bot.or.th/english/financialinstitutions/highlights/doclib_financialaccesssurveyofthaihouseholds_2020/2	PROPN
ejif-9019	471	8	020financialaccesssurveyofthaihouseholds.pdf	020financialaccesssurveyofthaihouseholds.pdf	PROPN
ejif-9019	471	9	.	.	PUNCT
ejif-9019	472	1	[	[	X
ejif-9019	472	2	accessed	access	VERB
ejif-9019	472	3	7	7	NUM
ejif-9019	472	4	may	may	NOUN
ejif-9019	472	5	2021	2021	NUM
ejif-9019	472	6	]	]	PUNCT
ejif-9019	472	7	.	.	PUNCT
ejif-9019	473	1	basrowi	basrowi	PROPN
ejif-9019	473	2	,	,	PUNCT
ejif-9019	473	3	suryanto	suryanto	NOUN
ejif-9019	473	4	,	,	PUNCT
ejif-9019	473	5	t.	t.	PROPN
ejif-9019	473	6	,	,	PUNCT
ejif-9019	473	7	anggraeni	anggraeni	NOUN
ejif-9019	473	8	,	,	PUNCT
ejif-9019	473	9	e.	e.	PROPN
ejif-9019	473	10	and	and	CCONJ
ejif-9019	473	11	nasor	nasor	PROPN
ejif-9019	473	12	,	,	PUNCT
ejif-9019	473	13	m.	m.	NOUN
ejif-9019	473	14	(	(	PUNCT
ejif-9019	473	15	2020	2020	NUM
ejif-9019	473	16	)	)	PUNCT
ejif-9019	473	17	the	the	DET
ejif-9019	473	18	effect	effect	NOUN
ejif-9019	473	19	of	of	ADP
ejif-9019	473	20	islamic	islamic	ADJ
ejif-9019	473	21	financial	financial	ADJ
ejif-9019	473	22	literation	literation	NOUN
ejif-9019	473	23	and	and	CCONJ
ejif-9019	473	24	financial	financial	ADJ
ejif-9019	473	25	technology	technology	NOUN
ejif-9019	473	26	on	on	ADP
ejif-9019	473	27	islamic	islamic	ADJ
ejif-9019	473	28	financial	financial	ADJ
ejif-9019	473	29	inclusion	inclusion	NOUN
ejif-9019	473	30	.	.	PUNCT
ejif-9019	474	1	al	al	PROPN
ejif-9019	474	2	-	-	PUNCT
ejif-9019	474	3	falah	falah	PROPN
ejif-9019	474	4	:	:	PUNCT
ejif-9019	474	5	journal	journal	PROPN
ejif-9019	474	6	of	of	ADP
ejif-9019	474	7	islamic	islamic	ADJ
ejif-9019	474	8	economics	economic	NOUN
ejif-9019	474	9	,	,	PUNCT
ejif-9019	474	10	5(2	5(2	NUM
ejif-9019	474	11	)	)	PUNCT
ejif-9019	474	12	,	,	PUNCT
ejif-9019	474	13	231	231	NUM
ejif-9019	474	14	-	-	SYM
ejif-9019	474	15	263	263	NUM
ejif-9019	474	16	.	.	PUNCT
ejif-9019	475	1	ben	ben	PROPN
ejif-9019	475	2	naceur	naceur	PROPN
ejif-9019	475	3	,	,	PUNCT
ejif-9019	475	4	s.	s.	PROPN
ejif-9019	475	5	,	,	PUNCT
ejif-9019	475	6	barajas	barajas	PROPN
ejif-9019	475	7	,	,	PUNCT
ejif-9019	475	8	a.	a.	NOUN
ejif-9019	475	9	and	and	CCONJ
ejif-9019	475	10	massara	massara	PROPN
ejif-9019	475	11	,	,	PUNCT
ejif-9019	475	12	a.	a.	NOUN
ejif-9019	475	13	(	(	PUNCT
ejif-9019	475	14	2015	2015	NUM
ejif-9019	475	15	)	)	PUNCT
ejif-9019	475	16	can	can	AUX
ejif-9019	475	17	islamic	islamic	VERB
ejif-9019	475	18	banking	banking	NOUN
ejif-9019	475	19	increase	increase	VERB
ejif-9019	475	20	financial	financial	ADJ
ejif-9019	475	21	inclusion	inclusion	NOUN
ejif-9019	475	22	?	?	PUNCT
ejif-9019	475	23	.	.	PUNCT
ejif-9019	476	1	international	international	ADJ
ejif-9019	476	2	monetary	monetary	ADJ
ejif-9019	476	3	fund	fund	NOUN
ejif-9019	476	4	working	working	PROPN
ejif-9019	476	5	papers	paper	NOUN
ejif-9019	476	6	15/31	15/31	NUM
ejif-9019	476	7	.	.	PUNCT
ejif-9019	477	1	biplob	biplob	NOUN
ejif-9019	477	2	,	,	PUNCT
ejif-9019	477	3	h.	h.	PROPN
ejif-9019	477	4	and	and	CCONJ
ejif-9019	477	5	abdullah	abdullah	PROPN
ejif-9019	477	6	,	,	PUNCT
ejif-9019	477	7	md	md	PROPN
ejif-9019	477	8	.	.	PUNCT
ejif-9019	478	1	f.	f.	PROPN
ejif-9019	478	2	(	(	PUNCT
ejif-9019	478	3	2019	2019	NUM
ejif-9019	478	4	)	)	PUNCT
ejif-9019	478	5	the	the	DET
ejif-9019	478	6	importance	importance	NOUN
ejif-9019	478	7	of	of	ADP
ejif-9019	478	8	islamic	islamic	ADJ
ejif-9019	478	9	financial	financial	ADJ
ejif-9019	478	10	literacy	literacy	NOUN
ejif-9019	478	11	for	for	ADP
ejif-9019	478	12	muslims	muslims	PROPN
ejif-9019	478	13	:	:	PUNCT
ejif-9019	478	14	a	a	DET
ejif-9019	478	15	general	general	ADJ
ejif-9019	478	16	review	review	NOUN
ejif-9019	478	17	.	.	PUNCT
ejif-9019	479	1	islam	islam	PROPN
ejif-9019	479	2	and	and	CCONJ
ejif-9019	479	3	civilisational	civilisational	ADJ
ejif-9019	479	4	renewal	renewal	NOUN
ejif-9019	479	5	,	,	PUNCT
ejif-9019	479	6	106	106	NUM
ejif-9019	479	7	-	-	SYM
ejif-9019	479	8	117	117	NUM
ejif-9019	479	9	.	.	PUNCT
ejif-9019	480	1	bruhn	bruhn	NOUN
ejif-9019	480	2	,	,	PUNCT
ejif-9019	480	3	m.	m.	NOUN
ejif-9019	480	4	,	,	PUNCT
ejif-9019	480	5	ibarra	ibarra	PROPN
ejif-9019	480	6	,	,	PUNCT
ejif-9019	480	7	g.	g.	PROPN
ejif-9019	480	8	l.	l.	PROPN
ejif-9019	480	9	and	and	CCONJ
ejif-9019	480	10	mckenzie	mckenzie	PROPN
ejif-9019	480	11	,	,	PUNCT
ejif-9019	480	12	d.	d.	PROPN
ejif-9019	480	13	(	(	PUNCT
ejif-9019	480	14	2014	2014	NUM
ejif-9019	480	15	)	)	PUNCT
ejif-9019	480	16	the	the	DET
ejif-9019	480	17	minimal	minimal	ADJ
ejif-9019	480	18	impact	impact	NOUN
ejif-9019	480	19	of	of	ADP
ejif-9019	480	20	a	a	DET
ejif-9019	480	21	large	large	ADJ
ejif-9019	480	22	-	-	PUNCT
ejif-9019	480	23	scale	scale	NOUN
ejif-9019	480	24	financial	financial	ADJ
ejif-9019	480	25	education	education	NOUN
ejif-9019	480	26	program	program	NOUN
ejif-9019	480	27	in	in	ADP
ejif-9019	480	28	mexico	mexico	PROPN
ejif-9019	480	29	city	city	PROPN
ejif-9019	480	30	.	.	PUNCT
ejif-9019	481	1	journal	journal	PROPN
ejif-9019	481	2	of	of	ADP
ejif-9019	481	3	development	development	NOUN
ejif-9019	481	4	economics	economic	NOUN
ejif-9019	481	5	,	,	PUNCT
ejif-9019	481	6	108	108	NUM
ejif-9019	481	7	,	,	PUNCT
ejif-9019	481	8	184–189	184–189	NUM
ejif-9019	481	9	.	.	PUNCT
ejif-9019	482	1	european	european	PROPN
ejif-9019	482	2	journal	journal	PROPN
ejif-9019	482	3	of	of	ADP
ejif-9019	482	4	islamic	islamic	PROPN
ejif-9019	482	5	finance	finance	PROPN
ejif-9019	482	6	issn	issn	PROPN
ejif-9019	482	7	:	:	PUNCT
ejif-9019	482	8	2421	2421	NUM
ejif-9019	482	9	-	-	SYM
ejif-9019	482	10	2172	2172	NUM
ejif-9019	482	11	doi	doi	NOUN
ejif-9019	482	12	:	:	PUNCT
ejif-9019	482	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	482	14	-	-	SYM
ejif-9019	482	15	2172/9019	2172/9019	NUM
ejif-9019	482	16	published	publish	VERB
ejif-9019	482	17	by	by	ADP
ejif-9019	482	18	university	university	PROPN
ejif-9019	482	19	of	of	ADP
ejif-9019	482	20	turin	turin	PROPN
ejif-9019	483	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	483	2	ejif	ejif	PROPN
ejif-9019	483	3	content	content	NOUN
ejif-9019	483	4	is	be	AUX
ejif-9019	483	5	licensed	license	VERB
ejif-9019	483	6	under	under	ADP
ejif-9019	483	7	a	a	DET
ejif-9019	483	8	creative	creative	ADJ
ejif-9019	483	9	commons	common	NOUN
ejif-9019	483	10	attribution	attribution	NOUN
ejif-9019	483	11	4.0	4.0	NUM
ejif-9019	483	12	international	international	ADJ
ejif-9019	483	13	license	license	NOUN
ejif-9019	483	14	21	21	NUM
ejif-9019	483	15	camara	camara	X
ejif-9019	483	16	,	,	PUNCT
ejif-9019	483	17	n.	n.	NOUN
ejif-9019	483	18	and	and	CCONJ
ejif-9019	483	19	tuesta	tuesta	PROPN
ejif-9019	483	20	,	,	PUNCT
ejif-9019	483	21	d.	d.	PROPN
ejif-9019	483	22	(	(	PUNCT
ejif-9019	483	23	2017	2017	NUM
ejif-9019	483	24	)	)	PUNCT
ejif-9019	483	25	measuring	measure	VERB
ejif-9019	483	26	financial	financial	ADJ
ejif-9019	483	27	inclusion	inclusion	NOUN
ejif-9019	483	28	:	:	PUNCT
ejif-9019	483	29	a	a	DET
ejif-9019	483	30	multidimensional	multidimensional	ADJ
ejif-9019	483	31	index	index	NOUN
ejif-9019	483	32	.	.	PUNCT
ejif-9019	484	1	in	in	ADP
ejif-9019	484	2	:	:	PUNCT
ejif-9019	484	3	bank	bank	PROPN
ejif-9019	484	4	for	for	ADP
ejif-9019	484	5	international	international	ADJ
ejif-9019	484	6	settlements	settlement	NOUN
ejif-9019	484	7	.	.	PUNCT
ejif-9019	485	1	(	(	PUNCT
ejif-9019	485	2	2017	2017	NUM
ejif-9019	485	3	)	)	PUNCT
ejif-9019	485	4	bank	bank	NOUN
ejif-9019	485	5	of	of	ADP
ejif-9019	485	6	morocco	morocco	PROPN
ejif-9019	485	7	–	–	PUNCT
ejif-9019	485	8	cemla	cemla	NOUN
ejif-9019	485	9	–	–	PUNCT
ejif-9019	485	10	ifc	ifc	NOUN
ejif-9019	485	11	satellite	satellite	NOUN
ejif-9019	485	12	seminar	seminar	NOUN
ejif-9019	485	13	at	at	ADP
ejif-9019	485	14	the	the	DET
ejif-9019	485	15	isi	isi	PROPN
ejif-9019	485	16	world	world	PROPN
ejif-9019	485	17	statistics	statistic	NOUN
ejif-9019	485	18	congress	congress	PROPN
ejif-9019	485	19	on	on	ADP
ejif-9019	485	20	“	"	PUNCT
ejif-9019	485	21	financial	financial	ADJ
ejif-9019	485	22	inclusion	inclusion	NOUN
ejif-9019	485	23	”	"	PUNCT
ejif-9019	485	24	.	.	PUNCT
ejif-9019	486	1	marrakech	marrakech	PROPN
ejif-9019	486	2	,	,	PUNCT
ejif-9019	486	3	14	14	NUM
ejif-9019	486	4	july	july	PROPN
ejif-9019	486	5	2017	2017	NUM
ejif-9019	486	6	.	.	PUNCT
ejif-9019	487	1	[	[	X
ejif-9019	487	2	online	online	X
ejif-9019	487	3	]	]	X
ejif-9019	487	4	available	available	ADJ
ejif-9019	487	5	from	from	ADP
ejif-9019	487	6	:	:	PUNCT
ejif-9019	487	7	https://www.bis.org/ifc/publ/ifcb47p.pdf	https://www.bis.org/ifc/publ/ifcb47p.pdf	PROPN
ejif-9019	487	8	.	.	PUNCT
ejif-9019	488	1	[	[	X
ejif-9019	488	2	accessed	access	VERB
ejif-9019	488	3	14	14	NUM
ejif-9019	488	4	april	april	PROPN
ejif-9019	488	5	2020	2020	NUM
ejif-9019	488	6	]	]	PUNCT
ejif-9019	488	7	.	.	PUNCT
ejif-9019	489	1	demirguc	demirguc	PROPN
ejif-9019	489	2	-	-	PUNCT
ejif-9019	489	3	kunt	kunt	PROPN
ejif-9019	489	4	,	,	PUNCT
ejif-9019	489	5	a.	a.	NOUN
ejif-9019	489	6	and	and	CCONJ
ejif-9019	489	7	klapper	klapper	PROPN
ejif-9019	489	8	,	,	PUNCT
ejif-9019	489	9	l.	l.	PROPN
ejif-9019	489	10	(	(	PUNCT
ejif-9019	489	11	2012	2012	NUM
ejif-9019	489	12	)	)	PUNCT
ejif-9019	489	13	measuring	measure	VERB
ejif-9019	489	14	financial	financial	ADJ
ejif-9019	489	15	inclusion	inclusion	NOUN
ejif-9019	489	16	:	:	PUNCT
ejif-9019	489	17	the	the	DET
ejif-9019	489	18	global	global	ADJ
ejif-9019	489	19	findex	findex	PROPN
ejif-9019	489	20	database	database	NOUN
ejif-9019	489	21	.	.	PUNCT
ejif-9019	490	1	policy	policy	NOUN
ejif-9019	490	2	research	research	NOUN
ejif-9019	490	3	working	working	NOUN
ejif-9019	490	4	paper	paper	NOUN
ejif-9019	490	5	6025	6025	NUM
ejif-9019	490	6	.	.	PUNCT
ejif-9019	491	1	washington	washington	PROPN
ejif-9019	491	2	dc	dc	PROPN
ejif-9019	491	3	:	:	PUNCT
ejif-9019	491	4	world	world	PROPN
ejif-9019	491	5	bank	bank	PROPN
ejif-9019	491	6	group	group	NOUN
ejif-9019	491	7	.	.	PUNCT
ejif-9019	492	1	demirgüc	demirgüc	PROPN
ejif-9019	492	2	-	-	PUNCT
ejif-9019	492	3	kunt	kunt	PROPN
ejif-9019	492	4	,	,	PUNCT
ejif-9019	492	5	a.	a.	NOUN
ejif-9019	492	6	and	and	CCONJ
ejif-9019	492	7	klapper	klapper	PROPN
ejif-9019	492	8	,	,	PUNCT
ejif-9019	492	9	l.	l.	PROPN
ejif-9019	492	10	(	(	PUNCT
ejif-9019	492	11	2013	2013	NUM
ejif-9019	492	12	)	)	PUNCT
ejif-9019	492	13	measuring	measure	VERB
ejif-9019	492	14	financial	financial	ADJ
ejif-9019	492	15	inclusion	inclusion	NOUN
ejif-9019	492	16	:	:	PUNCT
ejif-9019	492	17	explaining	explain	VERB
ejif-9019	492	18	variation	variation	NOUN
ejif-9019	492	19	in	in	ADP
ejif-9019	492	20	use	use	NOUN
ejif-9019	492	21	of	of	ADP
ejif-9019	492	22	financial	financial	ADJ
ejif-9019	492	23	services	service	NOUN
ejif-9019	492	24	across	across	ADP
ejif-9019	492	25	and	and	CCONJ
ejif-9019	492	26	within	within	ADP
ejif-9019	492	27	countries	country	NOUN
ejif-9019	492	28	.	.	PUNCT
ejif-9019	493	1	brookings	brookings	PROPN
ejif-9019	493	2	papers	paper	NOUN
ejif-9019	493	3	on	on	ADP
ejif-9019	493	4	economic	economic	ADJ
ejif-9019	493	5	activity	activity	NOUN
ejif-9019	493	6	,	,	PUNCT
ejif-9019	493	7	279–340	279–340	NUM
ejif-9019	493	8	.	.	PUNCT
ejif-9019	494	1	demirguc	demirguc	PROPN
ejif-9019	494	2	-	-	PUNCT
ejif-9019	494	3	kunt	kunt	PROPN
ejif-9019	494	4	,	,	PUNCT
ejif-9019	494	5	a.	a.	PROPN
ejif-9019	494	6	,	,	PUNCT
ejif-9019	494	7	klapper	klapper	PROPN
ejif-9019	494	8	,	,	PUNCT
ejif-9019	494	9	l.	l.	PROPN
ejif-9019	494	10	and	and	CCONJ
ejif-9019	494	11	randall	randall	PROPN
ejif-9019	494	12	,	,	PUNCT
ejif-9019	494	13	d.	d.	PROPN
ejif-9019	494	14	(	(	PUNCT
ejif-9019	494	15	2013	2013	NUM
ejif-9019	494	16	)	)	PUNCT
ejif-9019	494	17	islamic	islamic	ADJ
ejif-9019	494	18	finance	finance	NOUN
ejif-9019	494	19	and	and	CCONJ
ejif-9019	494	20	financial	financial	ADJ
ejif-9019	494	21	inclusion	inclusion	NOUN
ejif-9019	494	22	measuring	measure	VERB
ejif-9019	494	23	use	use	NOUN
ejif-9019	494	24	of	of	ADP
ejif-9019	494	25	and	and	CCONJ
ejif-9019	494	26	demand	demand	NOUN
ejif-9019	494	27	for	for	ADP
ejif-9019	494	28	formal	formal	ADJ
ejif-9019	494	29	financial	financial	ADJ
ejif-9019	494	30	services	service	NOUN
ejif-9019	494	31	among	among	ADP
ejif-9019	494	32	muslim	muslim	ADJ
ejif-9019	494	33	adults	adult	NOUN
ejif-9019	494	34	.	.	PUNCT
ejif-9019	495	1	policy	policy	NOUN
ejif-9019	495	2	research	research	NOUN
ejif-9019	495	3	working	work	VERB
ejif-9019	495	4	paper	paper	NOUN
ejif-9019	495	5	6642	6642	NUM
ejif-9019	495	6	.	.	PUNCT
ejif-9019	496	1	washington	washington	PROPN
ejif-9019	496	2	dc	dc	PROPN
ejif-9019	496	3	:	:	PUNCT
ejif-9019	496	4	world	world	PROPN
ejif-9019	496	5	bank	bank	PROPN
ejif-9019	496	6	group	group	NOUN
ejif-9019	496	7	.	.	PUNCT
ejif-9019	497	1	demirguc	demirguc	PROPN
ejif-9019	497	2	-	-	PUNCT
ejif-9019	497	3	kunt	kunt	PROPN
ejif-9019	497	4	,	,	PUNCT
ejif-9019	497	5	a.	a.	NOUN
ejif-9019	497	6	klapper	klapper	PROPN
ejif-9019	497	7	,	,	PUNCT
ejif-9019	497	8	l.	l.	PROPN
ejif-9019	497	9	,	,	PUNCT
ejif-9019	497	10	singer	singer	NOUN
ejif-9019	497	11	,	,	PUNCT
ejif-9019	497	12	d.	d.	PROPN
ejif-9019	497	13	,	,	PUNCT
ejif-9019	497	14	ansar	ansar	PROPN
ejif-9019	497	15	,	,	PUNCT
ejif-9019	497	16	s.	s.	PROPN
ejif-9019	497	17	and	and	CCONJ
ejif-9019	497	18	hess	hess	PROPN
ejif-9019	497	19	,	,	PUNCT
ejif-9019	497	20	j.	j.	PROPN
ejif-9019	497	21	(	(	PUNCT
ejif-9019	497	22	2018	2018	NUM
ejif-9019	497	23	)	)	PUNCT
ejif-9019	497	24	the	the	DET
ejif-9019	497	25	global	global	ADJ
ejif-9019	497	26	findex	findex	PROPN
ejif-9019	497	27	database	database	PROPN
ejif-9019	497	28	2017	2017	NUM
ejif-9019	497	29	:	:	PUNCT
ejif-9019	497	30	measuring	measure	VERB
ejif-9019	497	31	financial	financial	ADJ
ejif-9019	497	32	inclusion	inclusion	NOUN
ejif-9019	497	33	and	and	CCONJ
ejif-9019	497	34	the	the	DET
ejif-9019	497	35	fintech	fintech	NOUN
ejif-9019	497	36	revolution	revolution	NOUN
ejif-9019	497	37	(	(	PUNCT
ejif-9019	497	38	english	english	PROPN
ejif-9019	497	39	)	)	PUNCT
ejif-9019	497	40	.	.	PUNCT
ejif-9019	498	1	washington	washington	PROPN
ejif-9019	498	2	dc	dc	PROPN
ejif-9019	498	3	:	:	PUNCT
ejif-9019	498	4	world	world	PROPN
ejif-9019	498	5	bank	bank	PROPN
ejif-9019	498	6	group	group	NOUN
ejif-9019	498	7	.	.	PUNCT
ejif-9019	499	1	dewi	dewi	PROPN
ejif-9019	499	2	,	,	PUNCT
ejif-9019	499	3	m.	m.	PROPN
ejif-9019	499	4	k.	k.	PROPN
ejif-9019	499	5	and	and	CCONJ
ejif-9019	499	6	ferdian	ferdian	PROPN
ejif-9019	499	7	,	,	PUNCT
ejif-9019	499	8	i.	i.	PROPN
ejif-9019	499	9	r.	r.	PROPN
ejif-9019	499	10	(	(	PUNCT
ejif-9019	499	11	2021	2021	NUM
ejif-9019	499	12	)	)	PUNCT
ejif-9019	499	13	enhancing	enhance	VERB
ejif-9019	499	14	islamic	islamic	ADJ
ejif-9019	499	15	financial	financial	ADJ
ejif-9019	499	16	literacy	literacy	NOUN
ejif-9019	499	17	through	through	ADP
ejif-9019	499	18	community	community	NOUN
ejif-9019	499	19	-	-	PUNCT
ejif-9019	499	20	based	base	VERB
ejif-9019	499	21	workshops	workshop	NOUN
ejif-9019	499	22	:	:	PUNCT
ejif-9019	499	23	a	a	DET
ejif-9019	499	24	transtheoretical	transtheoretical	ADJ
ejif-9019	499	25	model	model	NOUN
ejif-9019	499	26	.	.	PUNCT
ejif-9019	500	1	journal	journal	PROPN
ejif-9019	500	2	of	of	ADP
ejif-9019	500	3	islamic	islamic	PROPN
ejif-9019	500	4	accounting	accounting	PROPN
ejif-9019	500	5	and	and	CCONJ
ejif-9019	500	6	business	business	NOUN
ejif-9019	500	7	research	research	NOUN
ejif-9019	500	8	,	,	PUNCT
ejif-9019	500	9	12(5	12(5	NUM
ejif-9019	500	10	)	)	PUNCT
ejif-9019	500	11	,	,	PUNCT
ejif-9019	500	12	729	729	NUM
ejif-9019	500	13	-	-	SYM
ejif-9019	500	14	747	747	NUM
ejif-9019	500	15	.	.	PUNCT
ejif-9019	500	16	dinc	dinc	PROPN
ejif-9019	500	17	,	,	PUNCT
ejif-9019	500	18	y.	y.	PROPN
ejif-9019	500	19	,	,	PUNCT
ejif-9019	500	20	cetin	cetin	PROPN
ejif-9019	500	21	,	,	PUNCT
ejif-9019	500	22	m.	m.	NOUN
ejif-9019	500	23	,	,	PUNCT
ejif-9019	500	24	bulut	bulut	NOUN
ejif-9019	500	25	,	,	PUNCT
ejif-9019	500	26	m.	m.	NOUN
ejif-9019	500	27	and	and	CCONJ
ejif-9019	500	28	jahangir	jahangir	PROPN
ejif-9019	500	29	,	,	PUNCT
ejif-9019	500	30	r.	r.	PROPN
ejif-9019	500	31	(	(	PUNCT
ejif-9019	500	32	2021	2021	NUM
ejif-9019	500	33	)	)	PUNCT
ejif-9019	500	34	islamic	islamic	ADJ
ejif-9019	500	35	financial	financial	ADJ
ejif-9019	500	36	literacy	literacy	NOUN
ejif-9019	500	37	scale	scale	NOUN
ejif-9019	500	38	:	:	PUNCT
ejif-9019	500	39	an	an	DET
ejif-9019	500	40	amendment	amendment	NOUN
ejif-9019	500	41	in	in	ADP
ejif-9019	500	42	the	the	DET
ejif-9019	500	43	sphere	sphere	NOUN
ejif-9019	500	44	of	of	ADP
ejif-9019	500	45	contemporary	contemporary	ADJ
ejif-9019	500	46	financial	financial	ADJ
ejif-9019	500	47	literacy	literacy	NOUN
ejif-9019	500	48	.	.	PUNCT
ejif-9019	501	1	isra	isra	PROPN
ejif-9019	501	2	international	international	PROPN
ejif-9019	501	3	journal	journal	PROPN
ejif-9019	501	4	of	of	ADP
ejif-9019	501	5	islamic	islamic	PROPN
ejif-9019	501	6	finance	finance	PROPN
ejif-9019	501	7	,	,	PUNCT
ejif-9019	501	8	13(2	13(2	PROPN
ejif-9019	501	9	)	)	PUNCT
ejif-9019	501	10	,	,	PUNCT
ejif-9019	501	11	pp	pp	ADP
ejif-9019	501	12	.	.	PUNCT
ejif-9019	502	1	251	251	NUM
ejif-9019	502	2	-	-	SYM
ejif-9019	502	3	263	263	NUM
ejif-9019	502	4	.	.	PUNCT
ejif-9019	503	1	[	[	X
ejif-9019	503	2	online	online	X
ejif-9019	503	3	]	]	X
ejif-9019	503	4	available	available	ADJ
ejif-9019	503	5	from	from	ADP
ejif-9019	503	6	:	:	PUNCT
ejif-9019	503	7	https://www.emerald.com/insight/content/doi/10.1108/ijif-07-2020-0156/full/html	https://www.emerald.com/insight/content/doi/10.1108/ijif-07-2020-0156/full/html	PROPN
ejif-9019	503	8	.	.	PUNCT
ejif-9019	504	1	[	[	X
ejif-9019	504	2	accessed	access	VERB
ejif-9019	504	3	:	:	PUNCT
ejif-9019	504	4	4	4	NUM
ejif-9019	504	5	january	january	NOUN
ejif-9019	504	6	2023	2023	NUM
ejif-9019	504	7	]	]	PUNCT
ejif-9019	504	8	.	.	PUNCT
ejif-9019	505	1	dusuki	dusuki	PROPN
ejif-9019	505	2	,	,	PUNCT
ejif-9019	505	3	a.	a.	PROPN
ejif-9019	505	4	w.	w.	PROPN
ejif-9019	505	5	and	and	CCONJ
ejif-9019	505	6	bouheraoua	bouheraoua	PROPN
ejif-9019	505	7	,	,	PUNCT
ejif-9019	505	8	s.	s.	PROPN
ejif-9019	505	9	(	(	PUNCT
ejif-9019	505	10	2011	2011	NUM
ejif-9019	505	11	)	)	PUNCT
ejif-9019	505	12	the	the	DET
ejif-9019	505	13	framework	framework	NOUN
ejif-9019	505	14	of	of	ADP
ejif-9019	505	15	maqasid	maqasid	PROPN
ejif-9019	505	16	al	al	PROPN
ejif-9019	505	17	-	-	PROPN
ejif-9019	505	18	shariah	shariah	PROPN
ejif-9019	505	19	(	(	PUNCT
ejif-9019	505	20	objectives	objective	NOUN
ejif-9019	505	21	of	of	ADP
ejif-9019	505	22	the	the	DET
ejif-9019	505	23	shari'ah	shari'ah	NOUN
ejif-9019	505	24	)	)	PUNCT
ejif-9019	505	25	and	and	CCONJ
ejif-9019	505	26	its	its	PRON
ejif-9019	505	27	implications	implication	NOUN
ejif-9019	505	28	for	for	ADP
ejif-9019	505	29	islamic	islamic	ADJ
ejif-9019	505	30	finance	finance	PROPN
ejif-9019	505	31	.	.	PUNCT
ejif-9019	506	1	isra	isra	PROPN
ejif-9019	506	2	research	research	PROPN
ejif-9019	506	3	paper	paper	PROPN
ejif-9019	506	4	22/2011	22/2011	NUM
ejif-9019	506	5	.	.	PUNCT
ejif-9019	507	1	er	er	INTJ
ejif-9019	507	2	,	,	PUNCT
ejif-9019	507	3	b.	b.	PROPN
ejif-9019	507	4	and	and	CCONJ
ejif-9019	507	5	mutlu	mutlu	PROPN
ejif-9019	507	6	,	,	PUNCT
ejif-9019	507	7	m.	m.	NOUN
ejif-9019	507	8	(	(	PUNCT
ejif-9019	507	9	2017	2017	NUM
ejif-9019	507	10	)	)	PUNCT
ejif-9019	507	11	financial	financial	ADJ
ejif-9019	507	12	inclusion	inclusion	NOUN
ejif-9019	507	13	and	and	CCONJ
ejif-9019	507	14	islamic	islamic	ADJ
ejif-9019	507	15	finance	finance	PROPN
ejif-9019	507	16	:	:	PUNCT
ejif-9019	507	17	a	a	DET
ejif-9019	507	18	survey	survey	NOUN
ejif-9019	507	19	of	of	ADP
ejif-9019	507	20	islamic	islamic	ADJ
ejif-9019	507	21	financial	financial	ADJ
ejif-9019	507	22	literacy	literacy	PROPN
ejif-9019	507	23	index	index	NOUN
ejif-9019	507	24	.	.	PUNCT
ejif-9019	508	1	international	international	ADJ
ejif-9019	508	2	journal	journal	PROPN
ejif-9019	508	3	of	of	ADP
ejif-9019	508	4	islamic	islamic	ADJ
ejif-9019	508	5	economics	economics	PROPN
ejif-9019	508	6	and	and	CCONJ
ejif-9019	508	7	finance	finance	NOUN
ejif-9019	508	8	studies	study	NOUN
ejif-9019	508	9	,	,	PUNCT
ejif-9019	508	10	3(2	3(2	NUM
ejif-9019	508	11	)	)	PUNCT
ejif-9019	508	12	,	,	PUNCT
ejif-9019	508	13	33	33	NUM
ejif-9019	508	14	-	-	SYM
ejif-9019	508	15	54	54	NUM
ejif-9019	508	16	.	.	PUNCT
ejif-9019	509	1	kayed	kaye	VERB
ejif-9019	509	2	,	,	PUNCT
ejif-9019	509	3	n.	n.	PROPN
ejif-9019	509	4	r.	r.	PROPN
ejif-9019	509	5	(	(	PUNCT
ejif-9019	509	6	2008	2008	NUM
ejif-9019	509	7	)	)	PUNCT
ejif-9019	509	8	appraisal	appraisal	NOUN
ejif-9019	509	9	of	of	ADP
ejif-9019	509	10	the	the	DET
ejif-9019	509	11	status	status	NOUN
ejif-9019	509	12	on	on	ADP
ejif-9019	509	13	research	research	NOUN
ejif-9019	509	14	on	on	ADP
ejif-9019	509	15	labor	labor	NOUN
ejif-9019	509	16	economics	economic	NOUN
ejif-9019	509	17	in	in	ADP
ejif-9019	509	18	the	the	DET
ejif-9019	509	19	islamic	islamic	ADJ
ejif-9019	509	20	framework	framework	NOUN
ejif-9019	509	21	.	.	PUNCT
ejif-9019	510	1	paper	paper	NOUN
ejif-9019	510	2	presented	present	VERB
ejif-9019	510	3	at	at	ADP
ejif-9019	510	4	:	:	PUNCT
ejif-9019	510	5	7th	7th	ADJ
ejif-9019	510	6	international	international	ADJ
ejif-9019	510	7	conference	conference	NOUN
ejif-9019	510	8	on	on	ADP
ejif-9019	510	9	islamic	islamic	ADJ
ejif-9019	510	10	economics	economic	NOUN
ejif-9019	510	11	.	.	PUNCT
ejif-9019	511	1	jeddah	jeddah	PROPN
ejif-9019	511	2	,	,	PUNCT
ejif-9019	511	3	saudi	saudi	PROPN
ejif-9019	511	4	arabia	arabia	PROPN
ejif-9019	511	5	,	,	PUNCT
ejif-9019	511	6	1	1	NUM
ejif-9019	511	7	-	-	SYM
ejif-9019	511	8	3	3	NUM
ejif-9019	511	9	april	april	PROPN
ejif-9019	511	10	2008	2008	NUM
ejif-9019	511	11	.	.	PUNCT
ejif-9019	512	1	khasana	khasana	PROPN
ejif-9019	512	2	,	,	PUNCT
ejif-9019	512	3	m.	m.	NOUN
ejif-9019	512	4	,	,	PUNCT
ejif-9019	512	5	aminullah	aminullah	PROPN
ejif-9019	512	6	,	,	PUNCT
ejif-9019	512	7	r.	r.	PROPN
ejif-9019	512	8	and	and	CCONJ
ejif-9019	512	9	setianingsih	setianingsih	PROPN
ejif-9019	512	10	,	,	PUNCT
ejif-9019	512	11	d.	d.	PROPN
ejif-9019	512	12	(	(	PUNCT
ejif-9019	512	13	2022	2022	NUM
ejif-9019	512	14	)	)	PUNCT
ejif-9019	512	15	determinants	determinant	NOUN
ejif-9019	512	16	of	of	ADP
ejif-9019	512	17	islamic	islamic	ADJ
ejif-9019	512	18	financial	financial	ADJ
ejif-9019	512	19	literacy	literacy	PROPN
ejif-9019	512	20	index	index	NOUN
ejif-9019	512	21	:	:	PUNCT
ejif-9019	512	22	comparison	comparison	NOUN
ejif-9019	512	23	based	base	VERB
ejif-9019	512	24	on	on	ADP
ejif-9019	512	25	ethnographic	ethnographic	ADJ
ejif-9019	512	26	studies	study	NOUN
ejif-9019	512	27	in	in	ADP
ejif-9019	512	28	yogyakarta	yogyakarta	PROPN
ejif-9019	512	29	,	,	PUNCT
ejif-9019	512	30	indonesia	indonesia	PROPN
ejif-9019	512	31	.	.	PUNCT
ejif-9019	513	1	jurnal	jurnal	PROPN
ejif-9019	513	2	afkaruna	afkaruna	PROPN
ejif-9019	513	3	,	,	PUNCT
ejif-9019	513	4	18(1	18(1	NOUN
ejif-9019	513	5	)	)	PUNCT
ejif-9019	513	6	,	,	PUNCT
ejif-9019	513	7	185	185	NUM
ejif-9019	513	8	-	-	SYM
ejif-9019	513	9	206	206	NUM
ejif-9019	513	10	.	.	PUNCT
ejif-9019	514	1	khotiawan	khotiawan	PROPN
ejif-9019	514	2	,	,	PUNCT
ejif-9019	514	3	m.	m.	NOUN
ejif-9019	514	4	and	and	CCONJ
ejif-9019	514	5	luthfiansyah	luthfiansyah	NOUN
ejif-9019	514	6	,	,	PUNCT
ejif-9019	514	7	m.	m.	NOUN
ejif-9019	514	8	(	(	PUNCT
ejif-9019	514	9	2017	2017	NUM
ejif-9019	514	10	)	)	PUNCT
ejif-9019	514	11	strategy	strategy	NOUN
ejif-9019	514	12	to	to	PART
ejif-9019	514	13	enhance	enhance	VERB
ejif-9019	514	14	sharia	sharia	PROPN
ejif-9019	514	15	financial	financial	ADJ
ejif-9019	514	16	literacy	literacy	NOUN
ejif-9019	514	17	and	and	CCONJ
ejif-9019	514	18	inclusion	inclusion	NOUN
ejif-9019	514	19	in	in	ADP
ejif-9019	514	20	indonesia	indonesia	PROPN
ejif-9019	514	21	(	(	PUNCT
ejif-9019	514	22	case	case	NOUN
ejif-9019	514	23	study	study	NOUN
ejif-9019	514	24	at	at	ADP
ejif-9019	514	25	financial	financial	ADJ
ejif-9019	514	26	services	service	NOUN
ejif-9019	514	27	authority	authority	NOUN
ejif-9019	514	28	office	office	NOUN
ejif-9019	514	29	in	in	ADP
ejif-9019	514	30	city	city	NOUN
ejif-9019	514	31	of	of	ADP
ejif-9019	514	32	malang	malang	PROPN
ejif-9019	514	33	)	)	PUNCT
ejif-9019	514	34	.	.	PUNCT
ejif-9019	515	1	management	management	NOUN
ejif-9019	515	2	and	and	CCONJ
ejif-9019	515	3	economics	economic	NOUN
ejif-9019	515	4	journal	journal	NOUN
ejif-9019	515	5	,	,	PUNCT
ejif-9019	515	6	1(1	1(1	NUM
ejif-9019	515	7	)	)	PUNCT
ejif-9019	515	8	,	,	PUNCT
ejif-9019	515	9	47	47	NUM
ejif-9019	515	10	-	-	SYM
ejif-9019	515	11	54	54	NUM
ejif-9019	515	12	.	.	PUNCT
ejif-9019	516	1	koomson	koomson	PROPN
ejif-9019	516	2	,	,	PUNCT
ejif-9019	516	3	i.	i.	PROPN
ejif-9019	516	4	,	,	PUNCT
ejif-9019	516	5	villano	villano	PROPN
ejif-9019	516	6	r.	r.	PROPN
ejif-9019	516	7	a.	a.	PROPN
ejif-9019	516	8	and	and	CCONJ
ejif-9019	516	9	hadley	hadley	PROPN
ejif-9019	516	10	,	,	PUNCT
ejif-9019	516	11	d.	d.	PROPN
ejif-9019	516	12	(	(	PUNCT
ejif-9019	516	13	2020	2020	NUM
ejif-9019	516	14	)	)	PUNCT
ejif-9019	516	15	intensifying	intensify	VERB
ejif-9019	516	16	financial	financial	ADJ
ejif-9019	516	17	inclusion	inclusion	NOUN
ejif-9019	516	18	through	through	ADP
ejif-9019	516	19	the	the	DET
ejif-9019	516	20	provision	provision	NOUN
ejif-9019	516	21	of	of	ADP
ejif-9019	516	22	financial	financial	ADJ
ejif-9019	516	23	literacy	literacy	NOUN
ejif-9019	516	24	training	training	NOUN
ejif-9019	516	25	:	:	PUNCT
ejif-9019	516	26	a	a	DET
ejif-9019	516	27	gendered	gendere	VERB
ejif-9019	516	28	perspective	perspective	NOUN
ejif-9019	516	29	.	.	PUNCT
ejif-9019	517	1	applied	apply	VERB
ejif-9019	517	2	economics	economic	NOUN
ejif-9019	517	3	,	,	PUNCT
ejif-9019	517	4	52(4	52(4	NUM
ejif-9019	517	5	)	)	PUNCT
ejif-9019	517	6	,	,	PUNCT
ejif-9019	517	7	375	375	NUM
ejif-9019	517	8	-	-	SYM
ejif-9019	517	9	387	387	NUM
ejif-9019	517	10	.	.	PUNCT
ejif-9019	518	1	lahsasna	lahsasna	PROPN
ejif-9019	518	2	,	,	PUNCT
ejif-9019	518	3	a.	a.	PROPN
ejif-9019	518	4	(	(	PUNCT
ejif-9019	518	5	2016	2016	NUM
ejif-9019	518	6	)	)	PUNCT
ejif-9019	518	7	framework	framework	NOUN
ejif-9019	518	8	of	of	ADP
ejif-9019	518	9	islamic	islamic	ADJ
ejif-9019	518	10	financial	financial	ADJ
ejif-9019	518	11	education	education	NOUN
ejif-9019	518	12	and	and	CCONJ
ejif-9019	518	13	literacy	literacy	NOUN
ejif-9019	518	14	.	.	PUNCT
ejif-9019	519	1	journal	journal	NOUN
ejif-9019	519	2	of	of	ADP
ejif-9019	519	3	wealth	wealth	NOUN
ejif-9019	519	4	management	management	NOUN
ejif-9019	519	5	and	and	CCONJ
ejif-9019	519	6	financial	financial	ADJ
ejif-9019	519	7	planning	planning	NOUN
ejif-9019	519	8	,	,	PUNCT
ejif-9019	519	9	3	3	NUM
ejif-9019	519	10	,	,	PUNCT
ejif-9019	519	11	3	3	NUM
ejif-9019	519	12	-	-	SYM
ejif-9019	519	13	14	14	NUM
ejif-9019	519	14	.	.	PUNCT
ejif-9019	520	1	lyons	lyon	NOUN
ejif-9019	520	2	,	,	PUNCT
ejif-9019	520	3	a.	a.	PROPN
ejif-9019	520	4	c.	c.	PROPN
ejif-9019	520	5	,	,	PUNCT
ejif-9019	520	6	grable	grable	PROPN
ejif-9019	520	7	j.	j.	PROPN
ejif-9019	520	8	e.	e.	PROPN
ejif-9019	520	9	and	and	CCONJ
ejif-9019	520	10	zeng	zeng	PROPN
ejif-9019	520	11	t.	t.	PROPN
ejif-9019	520	12	(	(	PUNCT
ejif-9019	520	13	2017	2017	NUM
ejif-9019	520	14	)	)	PUNCT
ejif-9019	520	15	impacts	impact	NOUN
ejif-9019	520	16	of	of	ADP
ejif-9019	520	17	financial	financial	ADJ
ejif-9019	520	18	literacy	literacy	NOUN
ejif-9019	520	19	on	on	ADP
ejif-9019	520	20	the	the	DET
ejif-9019	520	21	loan	loan	NOUN
ejif-9019	520	22	decisions	decision	NOUN
ejif-9019	520	23	of	of	ADP
ejif-9019	520	24	financially	financially	ADV
ejif-9019	520	25	excluded	exclude	VERB
ejif-9019	520	26	households	household	NOUN
ejif-9019	520	27	in	in	ADP
ejif-9019	520	28	the	the	DET
ejif-9019	520	29	people	people	NOUN
ejif-9019	520	30	’s	’s	PART
ejif-9019	520	31	republic	republic	NOUN
ejif-9019	520	32	of	of	ADP
ejif-9019	520	33	china	china	PROPN
ejif-9019	520	34	.	.	PUNCT
ejif-9019	521	1	asian	asian	PROPN
ejif-9019	521	2	development	development	PROPN
ejif-9019	521	3	bank	bank	PROPN
ejif-9019	521	4	institute	institute	PROPN
ejif-9019	521	5	working	working	PROPN
ejif-9019	521	6	paper	paper	PROPN
ejif-9019	521	7	series	series	PROPN
ejif-9019	521	8	no	no	PROPN
ejif-9019	521	9	.	.	PROPN
ejif-9019	521	10	923	923	NUM
ejif-9019	521	11	.	.	PUNCT
ejif-9019	522	1	mankiw	mankiw	PROPN
ejif-9019	522	2	,	,	PUNCT
ejif-9019	522	3	n.	n.	PROPN
ejif-9019	522	4	g.	g.	PROPN
ejif-9019	522	5	(	(	PUNCT
ejif-9019	522	6	2016	2016	NUM
ejif-9019	522	7	)	)	PUNCT
ejif-9019	522	8	principles	principle	NOUN
ejif-9019	522	9	of	of	ADP
ejif-9019	522	10	microeconomics	microeconomic	NOUN
ejif-9019	522	11	.	.	PUNCT
ejif-9019	523	1	8th	8th	ADJ
ejif-9019	523	2	ed	ed	NOUN
ejif-9019	523	3	.	.	PUNCT
ejif-9019	524	1	boston	boston	PROPN
ejif-9019	524	2	:	:	PUNCT
ejif-9019	525	1	cengage	cengage	PROPN
ejif-9019	525	2	learning	learn	VERB
ejif-9019	525	3	custom	custom	NOUN
ejif-9019	525	4	publishing	publishing	NOUN
ejif-9019	525	5	.	.	PUNCT
ejif-9019	526	1	morgan	morgan	PROPN
ejif-9019	526	2	,	,	PUNCT
ejif-9019	526	3	p.	p.	PROPN
ejif-9019	526	4	j.	j.	PROPN
ejif-9019	527	1	and	and	CCONJ
ejif-9019	527	2	long	long	ADV
ejif-9019	527	3	,	,	PUNCT
ejif-9019	527	4	t.	t.	PROPN
ejif-9019	527	5	q.	q.	PROPN
ejif-9019	527	6	(	(	PUNCT
ejif-9019	527	7	2020	2020	NUM
ejif-9019	527	8	)	)	PUNCT
ejif-9019	527	9	financial	financial	ADJ
ejif-9019	527	10	literacy	literacy	NOUN
ejif-9019	527	11	,	,	PUNCT
ejif-9019	527	12	financial	financial	ADJ
ejif-9019	527	13	inclusion	inclusion	NOUN
ejif-9019	527	14	,	,	PUNCT
ejif-9019	527	15	and	and	CCONJ
ejif-9019	527	16	savings	saving	NOUN
ejif-9019	527	17	behavior	behavior	NOUN
ejif-9019	527	18	in	in	ADP
ejif-9019	527	19	laos	laos	PROPN
ejif-9019	527	20	.	.	PUNCT
ejif-9019	528	1	journal	journal	PROPN
ejif-9019	528	2	of	of	ADP
ejif-9019	528	3	asian	asian	ADJ
ejif-9019	528	4	economics	economic	NOUN
ejif-9019	528	5	,	,	PUNCT
ejif-9019	528	6	68	68	NUM
ejif-9019	528	7	,	,	PUNCT
ejif-9019	528	8	1	1	NUM
ejif-9019	528	9	-	-	SYM
ejif-9019	528	10	20	20	NUM
ejif-9019	528	11	.	.	PUNCT
ejif-9019	529	1	european	european	PROPN
ejif-9019	529	2	journal	journal	PROPN
ejif-9019	529	3	of	of	ADP
ejif-9019	529	4	islamic	islamic	PROPN
ejif-9019	529	5	finance	finance	PROPN
ejif-9019	529	6	issn	issn	PROPN
ejif-9019	529	7	:	:	PUNCT
ejif-9019	529	8	2421	2421	NUM
ejif-9019	529	9	-	-	SYM
ejif-9019	529	10	2172	2172	NUM
ejif-9019	529	11	doi	doi	NOUN
ejif-9019	529	12	:	:	PUNCT
ejif-9019	529	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	529	14	-	-	SYM
ejif-9019	529	15	2172/9019	2172/9019	NUM
ejif-9019	529	16	published	publish	VERB
ejif-9019	529	17	by	by	ADP
ejif-9019	529	18	university	university	PROPN
ejif-9019	529	19	of	of	ADP
ejif-9019	529	20	turin	turin	PROPN
ejif-9019	530	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	530	2	ejif	ejif	PROPN
ejif-9019	530	3	content	content	NOUN
ejif-9019	530	4	is	be	AUX
ejif-9019	530	5	licensed	license	VERB
ejif-9019	530	6	under	under	ADP
ejif-9019	530	7	a	a	DET
ejif-9019	530	8	creative	creative	ADJ
ejif-9019	530	9	commons	common	NOUN
ejif-9019	530	10	attribution	attribution	NOUN
ejif-9019	530	11	4.0	4.0	NUM
ejif-9019	530	12	international	international	ADJ
ejif-9019	530	13	license	license	NOUN
ejif-9019	530	14	22	22	NUM
ejif-9019	530	15	mukminin	mukminin	NOUN
ejif-9019	530	16	,	,	PUNCT
ejif-9019	530	17	k.	k.	PROPN
ejif-9019	530	18	(	(	PUNCT
ejif-9019	530	19	2019	2019	NUM
ejif-9019	530	20	)	)	PUNCT
ejif-9019	530	21	profit	profit	NOUN
ejif-9019	530	22	maximization	maximization	NOUN
ejif-9019	530	23	in	in	ADP
ejif-9019	530	24	islamic	islamic	ADJ
ejif-9019	530	25	banking	banking	NOUN
ejif-9019	530	26	:	:	PUNCT
ejif-9019	530	27	an	an	DET
ejif-9019	530	28	assemblage	assemblage	NOUN
ejif-9019	530	29	of	of	ADP
ejif-9019	530	30	maqasid	maqasid	ADJ
ejif-9019	530	31	shariah	shariah	PROPN
ejif-9019	530	32	conception	conception	NOUN
ejif-9019	530	33	.	.	PUNCT
ejif-9019	531	1	european	european	PROPN
ejif-9019	531	2	journal	journal	PROPN
ejif-9019	531	3	of	of	ADP
ejif-9019	531	4	islamic	islamic	PROPN
ejif-9019	531	5	finance	finance	NOUN
ejif-9019	531	6	,	,	PUNCT
ejif-9019	531	7	12	12	NUM
ejif-9019	531	8	,	,	PUNCT
ejif-9019	531	9	pp	pp	ADJ
ejif-9019	531	10	.	.	PUNCT
ejif-9019	532	1	1	1	NUM
ejif-9019	532	2	-	-	SYM
ejif-9019	532	3	11	11	NUM
ejif-9019	532	4	.	.	PUNCT
ejif-9019	533	1	[	[	X
ejif-9019	533	2	online	online	X
ejif-9019	533	3	]	]	X
ejif-9019	533	4	available	available	ADJ
ejif-9019	533	5	from	from	ADP
ejif-9019	533	6	:	:	PUNCT
ejif-9019	533	7	https://ojs.unito.it/index.php/ejif/article/view/2856/pdf	https://ojs.unito.it/index.php/ejif/article/view/2856/pdf	NOUN
ejif-9019	533	8	.	.	PUNCT
ejif-9019	534	1	[	[	X
ejif-9019	534	2	accessed	access	VERB
ejif-9019	534	3	:	:	PUNCT
ejif-9019	534	4	7	7	NUM
ejif-9019	534	5	september	september	PROPN
ejif-9019	534	6	2024	2024	NUM
ejif-9019	534	7	]	]	PUNCT
ejif-9019	534	8	.	.	PUNCT
ejif-9019	535	1	nawi	nawi	PROPN
ejif-9019	535	2	,	,	PUNCT
ejif-9019	535	3	f.	f.	PROPN
ejif-9019	535	4	a.	a.	PROPN
ejif-9019	535	5	m.	m.	PROPN
ejif-9019	535	6	,	,	PUNCT
ejif-9019	535	7	daud	daud	PROPN
ejif-9019	535	8	,	,	PUNCT
ejif-9019	535	9	w.	w.	PROPN
ejif-9019	535	10	m.	m.	PROPN
ejif-9019	535	11	n.	n.	PROPN
ejif-9019	535	12	w.	w.	PROPN
ejif-9019	535	13	,	,	PUNCT
ejif-9019	535	14	ghazali	ghazali	PROPN
ejif-9019	535	15	,	,	PUNCT
ejif-9019	535	16	p.	p.	PROPN
ejif-9019	535	17	l.	l.	PROPN
ejif-9019	535	18	,	,	PUNCT
ejif-9019	535	19	yazid	yazid	PROPN
ejif-9019	535	20	,	,	PUNCT
ejif-9019	535	21	a.	a.	PROPN
ejif-9019	535	22	s.	s.	PROPN
ejif-9019	535	23	and	and	CCONJ
ejif-9019	535	24	shamsuddin	shamsuddin	PROPN
ejif-9019	535	25	,	,	PUNCT
ejif-9019	535	26	z.	z.	PROPN
ejif-9019	535	27	(	(	PUNCT
ejif-9019	535	28	2018	2018	NUM
ejif-9019	535	29	)	)	PUNCT
ejif-9019	536	1	islamic	islamic	ADJ
ejif-9019	536	2	financial	financial	ADJ
ejif-9019	536	3	literacy	literacy	NOUN
ejif-9019	536	4	:	:	PUNCT
ejif-9019	536	5	a	a	DET
ejif-9019	536	6	conceptualization	conceptualization	NOUN
ejif-9019	536	7	and	and	CCONJ
ejif-9019	536	8	proposed	propose	VERB
ejif-9019	536	9	measurement	measurement	NOUN
ejif-9019	536	10	.	.	PUNCT
ejif-9019	537	1	international	international	ADJ
ejif-9019	537	2	journal	journal	PROPN
ejif-9019	537	3	of	of	ADP
ejif-9019	537	4	academic	academic	ADJ
ejif-9019	537	5	research	research	NOUN
ejif-9019	537	6	in	in	ADP
ejif-9019	537	7	business	business	NOUN
ejif-9019	537	8	and	and	CCONJ
ejif-9019	537	9	social	social	ADJ
ejif-9019	537	10	sciences	science	NOUN
ejif-9019	537	11	,	,	PUNCT
ejif-9019	537	12	8(12	8(12	NUM
ejif-9019	537	13	)	)	PUNCT
ejif-9019	537	14	,	,	PUNCT
ejif-9019	537	15	629	629	NUM
ejif-9019	537	16	-	-	SYM
ejif-9019	537	17	641	641	NUM
ejif-9019	537	18	.	.	PUNCT
ejif-9019	537	19	nesdb	nesdb	NOUN
ejif-9019	537	20	.	.	PUNCT
ejif-9019	538	1	(	(	PUNCT
ejif-9019	538	2	2016	2016	NUM
ejif-9019	538	3	)	)	PUNCT
ejif-9019	538	4	the	the	DET
ejif-9019	538	5	twelfth	twelfth	ADJ
ejif-9019	538	6	national	national	ADJ
ejif-9019	538	7	economic	economic	ADJ
ejif-9019	538	8	and	and	CCONJ
ejif-9019	538	9	social	social	ADJ
ejif-9019	538	10	development	development	NOUN
ejif-9019	538	11	plan	plan	NOUN
ejif-9019	538	12	(	(	PUNCT
ejif-9019	538	13	2017	2017	NUM
ejif-9019	538	14	-	-	SYM
ejif-9019	538	15	2021	2021	NUM
ejif-9019	538	16	)	)	PUNCT
ejif-9019	538	17	.	.	PUNCT
ejif-9019	539	1	bangkok	bangkok	PROPN
ejif-9019	539	2	:	:	PUNCT
ejif-9019	539	3	office	office	NOUN
ejif-9019	539	4	of	of	ADP
ejif-9019	539	5	the	the	DET
ejif-9019	539	6	prime	prime	ADJ
ejif-9019	539	7	minister	minister	NOUN
ejif-9019	539	8	.	.	PUNCT
ejif-9019	540	1	oecd	oecd	PROPN
ejif-9019	540	2	.	.	PUNCT
ejif-9019	541	1	(	(	PUNCT
ejif-9019	541	2	2016	2016	NUM
ejif-9019	541	3	)	)	PUNCT
ejif-9019	541	4	oecd	oecd	PROPN
ejif-9019	541	5	/	/	SYM
ejif-9019	541	6	infe	infe	NOUN
ejif-9019	541	7	international	international	ADJ
ejif-9019	541	8	survey	survey	NOUN
ejif-9019	541	9	of	of	ADP
ejif-9019	541	10	adult	adult	NOUN
ejif-9019	541	11	financial	financial	ADJ
ejif-9019	541	12	literacy	literacy	NOUN
ejif-9019	541	13	competencies	competency	NOUN
ejif-9019	541	14	.	.	PUNCT
ejif-9019	542	1	paris	paris	PROPN
ejif-9019	542	2	:	:	PUNCT
ejif-9019	542	3	oecd	oecd	PROPN
ejif-9019	542	4	publishing	publishing	PROPN
ejif-9019	542	5	.	.	PUNCT
ejif-9019	543	1	ozili	ozili	PROPN
ejif-9019	543	2	,	,	PUNCT
ejif-9019	543	3	p.	p.	PROPN
ejif-9019	543	4	k.	k.	PROPN
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ejif-9019	544	2	2021	2021	NUM
ejif-9019	544	3	)	)	PUNCT
ejif-9019	544	4	financial	financial	ADJ
ejif-9019	544	5	inclusion	inclusion	NOUN
ejif-9019	544	6	research	research	NOUN
ejif-9019	544	7	around	around	ADP
ejif-9019	544	8	theworld	theworld	NOUN
ejif-9019	544	9	:	:	PUNCT
ejif-9019	544	10	a	a	DET
ejif-9019	544	11	review	review	NOUN
ejif-9019	544	12	.	.	PUNCT
ejif-9019	545	1	forum	forum	NOUN
ejif-9019	545	2	for	for	ADP
ejif-9019	545	3	social	social	ADJ
ejif-9019	545	4	economics	economic	NOUN
ejif-9019	545	5	,	,	PUNCT
ejif-9019	545	6	50(4	50(4	NUM
ejif-9019	545	7	)	)	PUNCT
ejif-9019	545	8	,	,	PUNCT
ejif-9019	545	9	457	457	NUM
ejif-9019	545	10	-	-	SYM
ejif-9019	545	11	479	479	NUM
ejif-9019	545	12	.	.	PUNCT
ejif-9019	546	1	pattani	pattani	ADJ
ejif-9019	546	2	economy	economy	NOUN
ejif-9019	546	3	.	.	PUNCT
ejif-9019	547	1	(	(	PUNCT
ejif-9019	547	2	2019	2019	NUM
ejif-9019	547	3	)	)	PUNCT
ejif-9019	547	4	จาํนวนมุสลิมในประเทศไทย.	จาํนวนมุสลิมในประเทศไทย.	PUNCT
ejif-9019	548	1	[	[	X
ejif-9019	548	2	number	number	NOUN
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ejif-9019	548	4	muslims	muslims	PROPN
ejif-9019	548	5	in	in	ADP
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ejif-9019	549	4	https://pattanieconomy.wordpress.com/2019/01/22/%e0%b8%88%e0%b8%b3%e0%b8%99%e0%b8%a7%e0%b8	https://pattanieconomy.wordpress.com/2019/01/22/%e0%b8%88%e0%b8%b3%e0%b8%99%e0%b8%a7%e0%b8	ADJ
ejif-9019	549	5	%	%	NOUN
ejif-9019	549	6	99%e0%b8%a1%e0%b8%b8%e0%b8%aa%e0%b8%a5%e0%b8%b4%e0%b8%a1%e0%b9%83%e0%b8%99	99%e0%b8%a1%e0%b8%b8%e0%b8%aa%e0%b8%a5%e0%b8%b4%e0%b8%a1%e0%b9%83%e0%b8%99	NUM
ejif-9019	549	7	%	%	NOUN
ejif-9019	549	8	e0%b8%9b%e0%b8%a3%e0%b8%b0%e0%b9%80%e0%b8%97%e0%b8%a8%e0%b9%84%e0%b8%97%e0	e0%b8%9b%e0%b8%a3%e0%b8%b0%e0%b9%80%e0%b8%97%e0%b8%a8%e0%b9%84%e0%b8%97%e0	NOUN
ejif-9019	549	9	%	%	NOUN
ejif-9019	549	10	b8%a2/.	b8%a2/.	PROPN
ejif-9019	549	11	[	[	X
ejif-9019	549	12	accessed	access	VERB
ejif-9019	549	13	5	5	NUM
ejif-9019	549	14	december	december	NOUN
ejif-9019	549	15	2020	2020	NUM
ejif-9019	549	16	]	]	PUNCT
ejif-9019	549	17	.	.	PUNCT
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ejif-9019	550	11	)	)	PUNCT
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ejif-9019	550	13	financial	financial	ADJ
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ejif-9019	550	31	)	)	PUNCT
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ejif-9019	551	14	:	:	PUNCT
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ejif-9019	552	8	)	)	PUNCT
ejif-9019	552	9	,	,	PUNCT
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ejif-9019	552	11	.	.	PUNCT
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ejif-9019	553	2	-	-	SYM
ejif-9019	553	3	70	70	NUM
ejif-9019	553	4	.	.	PUNCT
ejif-9019	554	1	[	[	X
ejif-9019	554	2	online	online	X
ejif-9019	554	3	]	]	X
ejif-9019	554	4	available	available	ADJ
ejif-9019	554	5	from	from	ADP
ejif-9019	554	6	:	:	PUNCT
ejif-9019	554	7	https://ojs.unito.it/index.php/ejif/article/view/7939/7705	https://ojs.unito.it/index.php/ejif/article/view/7939/7705	ADJ
ejif-9019	554	8	.	.	PUNCT
ejif-9019	555	1	[	[	X
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ejif-9019	555	3	:	:	PUNCT
ejif-9019	555	4	4	4	NUM
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ejif-9019	555	6	2024	2024	NUM
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ejif-9019	556	6	)	)	PUNCT
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ejif-9019	557	4	)	)	PUNCT
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ejif-9019	557	7	-	-	SYM
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ejif-9019	558	10	)	)	PUNCT
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ejif-9019	558	15	-	-	PUNCT
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ejif-9019	558	26	users	user	NOUN
ejif-9019	558	27	of	of	ADP
ejif-9019	558	28	financial	financial	ADJ
ejif-9019	558	29	services	service	NOUN
ejif-9019	558	30	.	.	PUNCT
ejif-9019	559	1	in	in	ADP
ejif-9019	559	2	:	:	PUNCT
ejif-9019	559	3	bank	bank	PROPN
ejif-9019	559	4	for	for	ADP
ejif-9019	559	5	international	international	ADJ
ejif-9019	559	6	settlements	settlement	NOUN
ejif-9019	559	7	.	.	PUNCT
ejif-9019	560	1	(	(	PUNCT
ejif-9019	560	2	2017	2017	NUM
ejif-9019	560	3	)	)	PUNCT
ejif-9019	560	4	bank	bank	NOUN
ejif-9019	560	5	of	of	ADP
ejif-9019	560	6	morocco	morocco	PROPN
ejif-9019	560	7	–	–	PUNCT
ejif-9019	560	8	cemla	cemla	NOUN
ejif-9019	560	9	–	–	PUNCT
ejif-9019	560	10	ifc	ifc	NOUN
ejif-9019	560	11	satellite	satellite	NOUN
ejif-9019	560	12	seminar	seminar	NOUN
ejif-9019	560	13	at	at	ADP
ejif-9019	560	14	the	the	DET
ejif-9019	560	15	isi	isi	PROPN
ejif-9019	560	16	world	world	PROPN
ejif-9019	560	17	statistics	statistic	NOUN
ejif-9019	560	18	congress	congress	PROPN
ejif-9019	560	19	on	on	ADP
ejif-9019	560	20	“	"	PUNCT
ejif-9019	560	21	financial	financial	ADJ
ejif-9019	560	22	inclusion	inclusion	NOUN
ejif-9019	560	23	”	"	PUNCT
ejif-9019	560	24	.	.	PUNCT
ejif-9019	561	1	marrakech	marrakech	PROPN
ejif-9019	561	2	,	,	PUNCT
ejif-9019	561	3	14	14	NUM
ejif-9019	561	4	july	july	PROPN
ejif-9019	561	5	2017	2017	NUM
ejif-9019	561	6	.	.	PUNCT
ejif-9019	562	1	[	[	X
ejif-9019	562	2	online	online	X
ejif-9019	562	3	]	]	X
ejif-9019	562	4	available	available	ADJ
ejif-9019	562	5	from	from	ADP
ejif-9019	562	6	:	:	PUNCT
ejif-9019	562	7	https://www.bis.org/ifc/publ/ifcb47o.pdf	https://www.bis.org/ifc/publ/ifcb47o.pdf	PROPN
ejif-9019	562	8	.	.	PUNCT
ejif-9019	563	1	[	[	X
ejif-9019	563	2	accessed	access	VERB
ejif-9019	563	3	14	14	NUM
ejif-9019	563	4	april	april	PROPN
ejif-9019	563	5	2020	2020	NUM
ejif-9019	563	6	]	]	PUNCT
ejif-9019	563	7	.	.	PUNCT
ejif-9019	564	1	sitthivanich	sitthivanich	PROPN
ejif-9019	564	2	,	,	PUNCT
ejif-9019	564	3	a.	a.	NOUN
ejif-9019	564	4	and	and	CCONJ
ejif-9019	564	5	hassan	hassan	PROPN
ejif-9019	564	6	,	,	PUNCT
ejif-9019	564	7	r.	r.	PROPN
ejif-9019	564	8	(	(	PUNCT
ejif-9019	564	9	2017	2017	NUM
ejif-9019	564	10	)	)	PUNCT
ejif-9019	564	11	an	an	DET
ejif-9019	564	12	analysis	analysis	NOUN
ejif-9019	564	13	of	of	ADP
ejif-9019	564	14	the	the	DET
ejif-9019	564	15	islamic	islamic	ADJ
ejif-9019	564	16	and	and	CCONJ
ejif-9019	564	17	conventional	conventional	ADJ
ejif-9019	564	18	banking	banking	NOUN
ejif-9019	564	19	regulatory	regulatory	ADJ
ejif-9019	564	20	bodies	body	NOUN
ejif-9019	564	21	and	and	CCONJ
ejif-9019	564	22	legislation	legislation	NOUN
ejif-9019	564	23	in	in	ADP
ejif-9019	564	24	thailand	thailand	PROPN
ejif-9019	564	25	.	.	PUNCT
ejif-9019	565	1	journal	journal	PROPN
ejif-9019	565	2	of	of	ADP
ejif-9019	565	3	islamic	islamic	PROPN
ejif-9019	565	4	banking	banking	NOUN
ejif-9019	565	5	and	and	CCONJ
ejif-9019	565	6	finance	finance	NOUN
ejif-9019	565	7	,	,	PUNCT
ejif-9019	565	8	5	5	NUM
ejif-9019	565	9	(	(	PUNCT
ejif-9019	565	10	2	2	NUM
ejif-9019	565	11	)	)	PUNCT
ejif-9019	565	12	,	,	PUNCT
ejif-9019	565	13	61	61	NUM
ejif-9019	565	14	-	-	SYM
ejif-9019	565	15	68	68	NUM
ejif-9019	565	16	.	.	PUNCT
ejif-9019	566	1	tarique	tarique	ADJ
ejif-9019	566	2	,	,	PUNCT
ejif-9019	566	3	k.	k.	PROPN
ejif-9019	566	4	md	md	PROPN
ejif-9019	566	5	.	.	PROPN
ejif-9019	566	6	,	,	PUNCT
ejif-9019	566	7	ahmed	ahmed	PROPN
ejif-9019	566	8	,	,	PUNCT
ejif-9019	566	9	m.	m.	NOUN
ejif-9019	566	10	u.	u.	PROPN
ejif-9019	566	11	and	and	CCONJ
ejif-9019	566	12	hossain	hossain	PROPN
ejif-9019	566	13	,	,	PUNCT
ejif-9019	566	14	d.	d.	PROPN
ejif-9019	566	15	m.	m.	PROPN
ejif-9019	566	16	(	(	PUNCT
ejif-9019	566	17	2017	2017	NUM
ejif-9019	566	18	)	)	PUNCT
ejif-9019	566	19	maqasid	maqasid	PROPN
ejif-9019	566	20	al	al	PROPN
ejif-9019	566	21	-	-	PROPN
ejif-9019	566	22	shariah	shariah	PROPN
ejif-9019	566	23	in	in	ADP
ejif-9019	566	24	csr	csr	NOUN
ejif-9019	566	25	practices	practice	NOUN
ejif-9019	566	26	of	of	ADP
ejif-9019	566	27	the	the	DET
ejif-9019	566	28	islamic	islamic	ADJ
ejif-9019	566	29	banks	bank	NOUN
ejif-9019	566	30	:	:	PUNCT
ejif-9019	566	31	a	a	DET
ejif-9019	566	32	case	case	NOUN
ejif-9019	566	33	study	study	NOUN
ejif-9019	566	34	of	of	ADP
ejif-9019	566	35	ibbl	ibbl	PROPN
ejif-9019	566	36	.	.	PUNCT
ejif-9019	567	1	journal	journal	PROPN
ejif-9019	567	2	of	of	ADP
ejif-9019	567	3	islamic	islamic	ADJ
ejif-9019	567	4	economics	economic	NOUN
ejif-9019	567	5	,	,	PUNCT
ejif-9019	567	6	banking	banking	NOUN
ejif-9019	567	7	and	and	CCONJ
ejif-9019	567	8	finance	finance	NOUN
ejif-9019	567	9	,	,	PUNCT
ejif-9019	567	10	13(3	13(3	NUM
ejif-9019	567	11	)	)	PUNCT
ejif-9019	567	12	,	,	PUNCT
ejif-9019	567	13	47	47	NUM
ejif-9019	567	14	-	-	SYM
ejif-9019	567	15	63	63	NUM
ejif-9019	567	16	.	.	PUNCT
ejif-9019	568	1	tissot	tissot	PROPN
ejif-9019	568	2	,	,	PUNCT
ejif-9019	568	3	b.	b.	PROPN
ejif-9019	568	4	and	and	CCONJ
ejif-9019	568	5	gadanecz	gadanecz	PROPN
ejif-9019	568	6	,	,	PUNCT
ejif-9019	568	7	b.	b.	PROPN
ejif-9019	568	8	(	(	PUNCT
ejif-9019	568	9	2017	2017	NUM
ejif-9019	568	10	)	)	PUNCT
ejif-9019	568	11	measures	measure	NOUN
ejif-9019	568	12	of	of	ADP
ejif-9019	568	13	financial	financial	ADJ
ejif-9019	568	14	inclusion	inclusion	NOUN
ejif-9019	568	15	a	a	DET
ejif-9019	568	16	central	central	ADJ
ejif-9019	568	17	bank	bank	NOUN
ejif-9019	568	18	perspective	perspective	NOUN
ejif-9019	568	19	.	.	PUNCT
ejif-9019	569	1	in	in	ADP
ejif-9019	569	2	:	:	PUNCT
ejif-9019	569	3	bank	bank	PROPN
ejif-9019	569	4	for	for	ADP
ejif-9019	569	5	international	international	ADJ
ejif-9019	569	6	settlements	settlement	NOUN
ejif-9019	569	7	.	.	PUNCT
ejif-9019	570	1	(	(	PUNCT
ejif-9019	570	2	2017	2017	NUM
ejif-9019	570	3	)	)	PUNCT
ejif-9019	570	4	bank	bank	NOUN
ejif-9019	570	5	of	of	ADP
ejif-9019	570	6	morocco	morocco	PROPN
ejif-9019	570	7	–	–	PUNCT
ejif-9019	570	8	cemla	cemla	NOUN
ejif-9019	570	9	–	–	PUNCT
ejif-9019	570	10	ifc	ifc	NOUN
ejif-9019	570	11	satellite	satellite	NOUN
ejif-9019	570	12	seminar	seminar	NOUN
ejif-9019	570	13	at	at	ADP
ejif-9019	570	14	the	the	DET
ejif-9019	570	15	isi	isi	PROPN
ejif-9019	570	16	world	world	PROPN
ejif-9019	570	17	statistics	statistic	NOUN
ejif-9019	570	18	congress	congress	PROPN
ejif-9019	570	19	on	on	ADP
ejif-9019	570	20	“	"	PUNCT
ejif-9019	570	21	financial	financial	ADJ
ejif-9019	570	22	inclusion	inclusion	NOUN
ejif-9019	570	23	”	"	PUNCT
ejif-9019	570	24	.	.	PUNCT
ejif-9019	571	1	marrakech	marrakech	PROPN
ejif-9019	571	2	,	,	PUNCT
ejif-9019	571	3	14	14	NUM
ejif-9019	571	4	july	july	PROPN
ejif-9019	571	5	2017	2017	NUM
ejif-9019	571	6	.	.	PUNCT
ejif-9019	572	1	[	[	X
ejif-9019	572	2	online	online	X
ejif-9019	572	3	]	]	X
ejif-9019	572	4	available	available	ADJ
ejif-9019	572	5	from	from	ADP
ejif-9019	572	6	:	:	PUNCT
ejif-9019	572	7	https://www.bis.org/ifc/publ/ifcb47q_rh.pdf	https://www.bis.org/ifc/publ/ifcb47q_rh.pdf	X
ejif-9019	572	8	.	.	PUNCT
ejif-9019	573	1	[	[	X
ejif-9019	573	2	accessed	access	VERB
ejif-9019	573	3	10	10	NUM
ejif-9019	573	4	april	april	PROPN
ejif-9019	573	5	2020	2020	NUM
ejif-9019	573	6	]	]	PUNCT
ejif-9019	573	7	.	.	PUNCT
ejif-9019	574	1	vejzagic	vejzagic	ADJ
ejif-9019	574	2	,	,	PUNCT
ejif-9019	574	3	m.	m.	NOUN
ejif-9019	574	4	and	and	CCONJ
ejif-9019	574	5	smolo	smolo	NOUN
ejif-9019	574	6	,	,	PUNCT
ejif-9019	574	7	e.	e.	PROPN
ejif-9019	574	8	(	(	PUNCT
ejif-9019	574	9	2011	2011	NUM
ejif-9019	574	10	)	)	PUNCT
ejif-9019	574	11	maqasid	maqasid	PROPN
ejif-9019	574	12	al	al	PROPN
ejif-9019	574	13	-	-	PUNCT
ejif-9019	574	14	shari’ah	shari’ah	PROPN
ejif-9019	574	15	in	in	ADP
ejif-9019	574	16	islamic	islamic	ADJ
ejif-9019	574	17	finance	finance	NOUN
ejif-9019	574	18	:	:	PUNCT
ejif-9019	574	19	an	an	DET
ejif-9019	574	20	overview	overview	NOUN
ejif-9019	574	21	.	.	PUNCT
ejif-9019	575	1	[	[	X
ejif-9019	575	2	online	online	X
ejif-9019	575	3	]	]	X
ejif-9019	575	4	available	available	ADJ
ejif-9019	575	5	from	from	ADP
ejif-9019	575	6	:	:	PUNCT
ejif-9019	575	7	https://www.researchgate.net/publication/317063404_maqasid_al-shari'ah_in_islamic_finance_an_overview	https://www.researchgate.net/publication/317063404_maqasid_al-shari'ah_in_islamic_finance_an_overview	NOUN
ejif-9019	575	8	.	.	PUNCT
ejif-9019	576	1	[	[	X
ejif-9019	576	2	accessed	access	VERB
ejif-9019	576	3	19	19	NUM
ejif-9019	576	4	oct	oct	NOUN
ejif-9019	576	5	.	.	PROPN
ejif-9019	576	6	2019	2019	NUM
ejif-9019	576	7	]	]	PUNCT
ejif-9019	576	8	.	.	PUNCT
ejif-9019	577	1	european	european	PROPN
ejif-9019	577	2	journal	journal	PROPN
ejif-9019	577	3	of	of	ADP
ejif-9019	577	4	islamic	islamic	PROPN
ejif-9019	577	5	finance	finance	PROPN
ejif-9019	577	6	issn	issn	PROPN
ejif-9019	577	7	:	:	PUNCT
ejif-9019	577	8	2421	2421	NUM
ejif-9019	577	9	-	-	SYM
ejif-9019	577	10	2172	2172	NUM
ejif-9019	577	11	doi	doi	NOUN
ejif-9019	577	12	:	:	PUNCT
ejif-9019	577	13	10.13135/2421	10.13135/2421	NUM
ejif-9019	577	14	-	-	SYM
ejif-9019	577	15	2172/9019	2172/9019	NUM
ejif-9019	577	16	published	publish	VERB
ejif-9019	577	17	by	by	ADP
ejif-9019	577	18	university	university	PROPN
ejif-9019	577	19	of	of	ADP
ejif-9019	577	20	turin	turin	PROPN
ejif-9019	578	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9019	578	2	ejif	ejif	PROPN
ejif-9019	578	3	content	content	NOUN
ejif-9019	578	4	is	be	AUX
ejif-9019	578	5	licensed	license	VERB
ejif-9019	578	6	under	under	ADP
ejif-9019	578	7	a	a	DET
ejif-9019	578	8	creative	creative	ADJ
ejif-9019	578	9	commons	common	NOUN
ejif-9019	578	10	attribution	attribution	NOUN
ejif-9019	578	11	4.0	4.0	NUM
ejif-9019	578	12	international	international	ADJ
ejif-9019	578	13	license	license	NOUN
ejif-9019	578	14	23	23	NUM
ejif-9019	578	15	world	world	NOUN
ejif-9019	578	16	bank	bank	NOUN
ejif-9019	578	17	.	.	PUNCT
ejif-9019	579	1	(	(	PUNCT
ejif-9019	579	2	2018	2018	NUM
ejif-9019	579	3	)	)	PUNCT
ejif-9019	579	4	financial	financial	ADJ
ejif-9019	579	5	inclusion	inclusion	NOUN
ejif-9019	579	6	:	:	PUNCT
ejif-9019	579	7	overview	overview	NOUN
ejif-9019	579	8	.	.	PUNCT
ejif-9019	580	1	[	[	X
ejif-9019	580	2	online	online	X
ejif-9019	580	3	]	]	X
ejif-9019	580	4	available	available	ADJ
ejif-9019	580	5	from	from	ADP
ejif-9019	580	6	:	:	PUNCT
ejif-9019	580	7	https://www.worldbank.org/en/topic/financialinclusion/overview	https://www.worldbank.org/en/topic/financialinclusion/overview	NOUN
ejif-9019	580	8	.	.	PUNCT
ejif-9019	581	1	[	[	X
ejif-9019	581	2	accessed	access	VERB
ejif-9019	581	3	21	21	NUM
ejif-9019	581	4	november	november	PROPN
ejif-9019	581	5	2019	2019	NUM
ejif-9019	581	6	]	]	PUNCT
ejif-9019	581	7	.	.	PUNCT
ejif-9019	582	1	yunus	yunus	PROPN
ejif-9019	582	2	,	,	PUNCT
ejif-9019	582	3	d.	d.	PROPN
ejif-9019	582	4	,	,	PUNCT
ejif-9019	582	5	rodoni	rodoni	VERB
ejif-9019	582	6	,	,	PUNCT
ejif-9019	582	7	a.	a.	NOUN
ejif-9019	582	8	,	,	PUNCT
ejif-9019	582	9	amilin	amilin	PROPN
ejif-9019	582	10	and	and	CCONJ
ejif-9019	582	11	prasetyowati	prasetyowati	PROPN
ejif-9019	582	12	,	,	PUNCT
ejif-9019	582	13	r.	r.	PROPN
ejif-9019	582	14	a.	a.	PROPN
ejif-9019	582	15	(	(	PUNCT
ejif-9019	582	16	2021	2021	NUM
ejif-9019	582	17	)	)	PUNCT
ejif-9019	582	18	the	the	DET
ejif-9019	582	19	influence	influence	NOUN
ejif-9019	582	20	of	of	ADP
ejif-9019	582	21	demographics	demographic	NOUN
ejif-9019	582	22	and	and	CCONJ
ejif-9019	582	23	religiosity	religiosity	NOUN
ejif-9019	582	24	factors	factor	NOUN
ejif-9019	582	25	on	on	ADP
ejif-9019	582	26	islamic	islamic	ADJ
ejif-9019	582	27	financial	financial	ADJ
ejif-9019	582	28	literacy	literacy	NOUN
ejif-9019	582	29	.	.	PUNCT
ejif-9019	583	1	inferensi	inferensi	NOUN
ejif-9019	583	2	jurnal	jurnal	ADJ
ejif-9019	583	3	penelitian	penelitian	PROPN
ejif-9019	583	4	sosial	sosial	PROPN
ejif-9019	583	5	keagamaan	keagamaan	PROPN
ejif-9019	583	6	,	,	PUNCT
ejif-9019	583	7	15(1	15(1	NUM
ejif-9019	583	8	)	)	PUNCT
ejif-9019	583	9	,	,	PUNCT
ejif-9019	583	10	91	91	NUM
ejif-9019	583	11	-	-	SYM
ejif-9019	583	12	116	116	NUM
ejif-9019	583	13	.	.	PUNCT
ejif-9019	584	1	[	[	X
ejif-9019	584	2	online	online	X
ejif-9019	584	3	]	]	X
ejif-9019	584	4	available	available	ADJ
ejif-9019	584	5	from	from	ADP
ejif-9019	584	6	:	:	PUNCT
ejif-9019	584	7	https://inferensi.iainsalatiga.ac.id/index.php/inferensi/article/view/5291/pdf	https://inferensi.iainsalatiga.ac.id/index.php/inferensi/article/view/5291/pdf	PROPN
ejif-9019	584	8	.	.	PUNCT
ejif-9019	585	1	[	[	X
ejif-9019	585	2	accessed	access	VERB
ejif-9019	585	3	15	15	NUM
ejif-9019	585	4	december	december	NOUN
ejif-9019	585	5	2022	2022	NUM
ejif-9019	585	6	]	]	PUNCT
ejif-9019	585	7	.	.	PUNCT
ejif-9019	586	1	yuslem	yuslem	PROPN
ejif-9019	586	2	,	,	PUNCT
ejif-9019	586	3	n.	n.	NOUN
ejif-9019	586	4	,	,	PUNCT
ejif-9019	586	5	nurhayati	nurhayati	NOUN
ejif-9019	586	6	and	and	CCONJ
ejif-9019	586	7	hasibuan	hasibuan	PROPN
ejif-9019	586	8	,	,	PUNCT
ejif-9019	586	9	a.	a.	PROPN
ejif-9019	586	10	f.	f.	PROPN
ejif-9019	586	11	h.	h.	PROPN
ejif-9019	586	12	(	(	PUNCT
ejif-9019	586	13	2023	2023	NUM
ejif-9019	586	14	)	)	PUNCT
ejif-9019	586	15	analysis	analysis	NOUN
ejif-9019	586	16	of	of	ADP
ejif-9019	586	17	the	the	DET
ejif-9019	586	18	problems	problem	NOUN
ejif-9019	586	19	of	of	ADP
ejif-9019	586	20	islamic	islamic	ADJ
ejif-9019	586	21	financial	financial	ADJ
ejif-9019	586	22	literacy	literacy	NOUN
ejif-9019	586	23	for	for	ADP
ejif-9019	586	24	muslim	muslim	ADJ
ejif-9019	586	25	scholars	scholar	NOUN
ejif-9019	586	26	.	.	PUNCT
ejif-9019	587	1	jurnal	jurnal	ADJ
ejif-9019	587	2	ekonomi	ekonomi	PROPN
ejif-9019	587	3	dan	dan	PROPN
ejif-9019	587	4	keuangan	keuangan	PROPN
ejif-9019	587	5	islam	islam	PROPN
ejif-9019	587	6	,	,	PUNCT
ejif-9019	587	7	9(1	9(1	NUM
ejif-9019	587	8	)	)	PUNCT
ejif-9019	587	9	,	,	PUNCT
ejif-9019	587	10	45	45	NUM
ejif-9019	587	11	-	-	SYM
ejif-9019	587	12	61	61	NUM
ejif-9019	587	13	.	.	PUNCT
ejif-9019	588	1	[	[	X
ejif-9019	588	2	online	online	X
ejif-9019	588	3	]	]	X
ejif-9019	588	4	available	available	ADJ
ejif-9019	588	5	from	from	ADP
ejif-9019	588	6	:	:	PUNCT
ejif-9019	588	7	https://journal.uii.ac.id/jeki/article/view/26012	https://journal.uii.ac.id/jeki/article/view/26012	NOUN
ejif-9019	588	8	.	.	PUNCT
ejif-9019	589	1	[	[	X
ejif-9019	589	2	accessed	access	VERB
ejif-9019	589	3	10	10	NUM
ejif-9019	589	4	february	february	NOUN
ejif-9019	589	5	2023	2023	NUM
ejif-9019	589	6	]	]	PUNCT
ejif-9019	589	7	.	.	PUNCT
ejif-9019	590	1	zaman	zaman	PROPN
ejif-9019	590	2	,	,	PUNCT
ejif-9019	590	3	z.	z.	PROPN
ejif-9019	590	4	,	,	PUNCT
ejif-9019	590	5	mehmood	mehmood	PROPN
ejif-9019	590	6	,	,	PUNCT
ejif-9019	590	7	b.	b.	PROPN
ejif-9019	590	8	,	,	PUNCT
ejif-9019	590	9	aftab	aftab	PROPN
ejif-9019	590	10	,	,	PUNCT
ejif-9019	590	11	r.	r.	PROPN
ejif-9019	590	12	,	,	PUNCT
ejif-9019	590	13	siddique	siddique	PROPN
ejif-9019	590	14	s.	s.	PROPN
ejif-9019	590	15	m.	m.	PROPN
ejif-9019	590	16	and	and	CCONJ
ejif-9019	590	17	ameen	ameen	PROPN
ejif-9019	590	18	,	,	PUNCT
ejif-9019	590	19	y.	y.	PROPN
ejif-9019	590	20	(	(	PUNCT
ejif-9019	590	21	2017	2017	NUM
ejif-9019	590	22	)	)	PUNCT
ejif-9019	590	23	role	role	NOUN
ejif-9019	590	24	of	of	ADP
ejif-9019	590	25	islamic	islamic	ADJ
ejif-9019	590	26	financial	financial	ADJ
ejif-9019	590	27	literacy	literacy	NOUN
ejif-9019	590	28	in	in	ADP
ejif-9019	590	29	the	the	DET
ejif-9019	590	30	adoption	adoption	NOUN
ejif-9019	590	31	of	of	ADP
ejif-9019	590	32	islamic	islamic	ADJ
ejif-9019	590	33	banking	banking	NOUN
ejif-9019	590	34	services	service	NOUN
ejif-9019	590	35	:	:	PUNCT
ejif-9019	590	36	an	an	DET
ejif-9019	590	37	empirical	empirical	ADJ
ejif-9019	590	38	evidence	evidence	NOUN
ejif-9019	590	39	from	from	ADP
ejif-9019	590	40	lahore	lahore	PROPN
ejif-9019	590	41	,	,	PUNCT
ejif-9019	590	42	pakistan	pakistan	PROPN
ejif-9019	590	43	.	.	PUNCT
ejif-9019	591	1	journal	journal	PROPN
ejif-9019	591	2	of	of	ADP
ejif-9019	591	3	islamic	islamic	PROPN
ejif-9019	591	4	business	business	NOUN
ejif-9019	591	5	and	and	CCONJ
ejif-9019	591	6	management	management	NOUN
ejif-9019	591	7	,	,	PUNCT
ejif-9019	591	8	7(2	7(2	NUM
ejif-9019	591	9	)	)	PUNCT
ejif-9019	591	10	,	,	PUNCT
ejif-9019	591	11	230	230	NUM
ejif-9019	591	12	-	-	SYM
ejif-9019	591	13	247	247	NUM
ejif-9019	591	14	.	.	PUNCT
ejif-9019	592	1	zulkhibri	zulkhibri	NOUN
ejif-9019	592	2	,	,	PUNCT
ejif-9019	592	3	m.	m.	NOUN
ejif-9019	592	4	(	(	PUNCT
ejif-9019	592	5	2016	2016	NUM
ejif-9019	592	6	)	)	PUNCT
ejif-9019	592	7	financial	financial	ADJ
ejif-9019	592	8	inclusion	inclusion	NOUN
ejif-9019	592	9	,	,	PUNCT
ejif-9019	592	10	financial	financial	ADJ
ejif-9019	592	11	inclusion	inclusion	NOUN
ejif-9019	592	12	policy	policy	NOUN
ejif-9019	592	13	and	and	CCONJ
ejif-9019	592	14	islamic	islamic	ADJ
ejif-9019	592	15	finance	finance	NOUN
ejif-9019	592	16	.	.	PUNCT
ejif-9019	593	1	macroeconomics	macroeconomic	NOUN
ejif-9019	593	2	and	and	CCONJ
ejif-9019	593	3	finance	finance	NOUN
ejif-9019	593	4	in	in	ADP
ejif-9019	593	5	emerging	emerge	VERB
ejif-9019	593	6	market	market	NOUN
ejif-9019	593	7	economies	economy	NOUN
ejif-9019	593	8	,	,	PUNCT
ejif-9019	593	9	9(3	9(3	NUM
ejif-9019	593	10	)	)	PUNCT
ejif-9019	593	11	,	,	PUNCT
ejif-9019	593	12	303	303	NUM
ejif-9019	593	13	-	-	SYM
ejif-9019	593	14	320	320	NUM
ejif-9019	593	15	.	.	PUNCT