id	sid	tid	token	lemma	pos
ejif-922	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	1	2	issn	issn	VERB
ejif-922	1	3	2421	2421	NUM
ejif-922	1	4	-	-	SYM
ejif-922	1	5	2172	2172	NUM
ejif-922	1	6	1	1	NUM
ejif-922	1	7	which	which	PRON
ejif-922	1	8	is	be	AUX
ejif-922	1	9	more	more	ADV
ejif-922	1	10	important	important	ADJ
ejif-922	1	11	in	in	ADP
ejif-922	1	12	terms	term	NOUN
ejif-922	1	13	of	of	ADP
ejif-922	1	14	profitability	profitability	NOUN
ejif-922	1	15	of	of	ADP
ejif-922	1	16	islamic	islamic	ADJ
ejif-922	1	17	banks	bank	NOUN
ejif-922	1	18	:	:	PUNCT
ejif-922	1	19	bank	bank	NOUN
ejif-922	1	20	specific	specific	ADJ
ejif-922	1	21	factors	factor	NOUN
ejif-922	1	22	or	or	CCONJ
ejif-922	1	23	macroeconomic	macroeconomic	ADJ
ejif-922	1	24	factors	factor	NOUN
ejif-922	1	25	?	?	PUNCT
ejif-922	2	1	an	an	DET
ejif-922	2	2	empirical	empirical	ADJ
ejif-922	2	3	study	study	NOUN
ejif-922	2	4	on	on	ADP
ejif-922	2	5	malaysian	malaysian	ADJ
ejif-922	2	6	islamic	islamic	ADJ
ejif-922	2	7	banks	bank	NOUN
ejif-922	2	8	*	*	PUNCT
ejif-922	2	9	department	department	PROPN
ejif-922	2	10	of	of	ADP
ejif-922	2	11	business	business	PROPN
ejif-922	2	12	administration	administration	PROPN
ejif-922	2	13	,	,	PUNCT
ejif-922	2	14	shahjajalal	shahjajalal	PROPN
ejif-922	2	15	university	university	PROPN
ejif-922	2	16	of	of	ADP
ejif-922	2	17	science	science	PROPN
ejif-922	2	18	&	&	CCONJ
ejif-922	2	19	technology	technology	PROPN
ejif-922	2	20	,	,	PUNCT
ejif-922	2	21	sylhet	sylhet	NOUN
ejif-922	2	22	,	,	PUNCT
ejif-922	2	23	bangladesh	bangladesh	NOUN
ejif-922	2	24	abstract	abstract	NOUN
ejif-922	2	25	—	—	PUNCT
ejif-922	2	26	studies	study	NOUN
ejif-922	2	27	of	of	ADP
ejif-922	2	28	islamic	islamic	ADJ
ejif-922	2	29	banks	bank	NOUN
ejif-922	2	30	’	'	PUNCT
ejif-922	2	31	profitability	profitability	NOUN
ejif-922	2	32	are	be	AUX
ejif-922	2	33	an	an	DET
ejif-922	2	34	important	important	ADJ
ejif-922	2	35	tool	tool	NOUN
ejif-922	2	36	towards	towards	ADP
ejif-922	2	37	improving	improve	VERB
ejif-922	2	38	performance	performance	NOUN
ejif-922	2	39	,	,	PUNCT
ejif-922	2	40	evaluating	evaluate	VERB
ejif-922	2	41	bank	bank	NOUN
ejif-922	2	42	operations	operation	NOUN
ejif-922	2	43	and	and	CCONJ
ejif-922	2	44	determining	determine	VERB
ejif-922	2	45	management	management	NOUN
ejif-922	2	46	plan	plan	NOUN
ejif-922	2	47	to	to	PART
ejif-922	2	48	help	help	VERB
ejif-922	2	49	in	in	ADP
ejif-922	2	50	increasing	increase	VERB
ejif-922	2	51	the	the	DET
ejif-922	2	52	chance	chance	NOUN
ejif-922	2	53	for	for	SCONJ
ejif-922	2	54	the	the	DET
ejif-922	2	55	banks	bank	NOUN
ejif-922	2	56	to	to	PART
ejif-922	2	57	survive	survive	VERB
ejif-922	2	58	in	in	ADP
ejif-922	2	59	competitive	competitive	ADJ
ejif-922	2	60	markets	market	NOUN
ejif-922	2	61	.	.	PUNCT
ejif-922	3	1	the	the	DET
ejif-922	3	2	present	present	ADJ
ejif-922	3	3	study	study	NOUN
ejif-922	3	4	seeks	seek	VERB
ejif-922	3	5	to	to	PART
ejif-922	3	6	fill	fill	VERB
ejif-922	3	7	a	a	DET
ejif-922	3	8	demanding	demanding	ADJ
ejif-922	3	9	gap	gap	NOUN
ejif-922	3	10	in	in	ADP
ejif-922	3	11	the	the	DET
ejif-922	3	12	literature	literature	NOUN
ejif-922	3	13	by	by	ADP
ejif-922	3	14	providing	provide	VERB
ejif-922	3	15	new	new	ADJ
ejif-922	3	16	empirical	empirical	ADJ
ejif-922	3	17	evidence	evidence	NOUN
ejif-922	3	18	on	on	ADP
ejif-922	3	19	the	the	DET
ejif-922	3	20	factors	factor	NOUN
ejif-922	3	21	that	that	PRON
ejif-922	3	22	influence	influence	VERB
ejif-922	3	23	the	the	DET
ejif-922	3	24	profitability	profitability	NOUN
ejif-922	3	25	of	of	ADP
ejif-922	3	26	the	the	DET
ejif-922	3	27	islamic	islamic	ADJ
ejif-922	3	28	banking	banking	NOUN
ejif-922	3	29	sector	sector	NOUN
ejif-922	3	30	in	in	ADP
ejif-922	3	31	malaysia	malaysia	PROPN
ejif-922	3	32	.	.	PUNCT
ejif-922	4	1	the	the	DET
ejif-922	4	2	research	research	NOUN
ejif-922	4	3	thus	thus	ADV
ejif-922	4	4	conducts	conduct	VERB
ejif-922	4	5	a	a	DET
ejif-922	4	6	comparative	comparative	ADJ
ejif-922	4	7	analysis	analysis	NOUN
ejif-922	4	8	of	of	ADP
ejif-922	4	9	the	the	DET
ejif-922	4	10	determinants	determinant	NOUN
ejif-922	4	11	of	of	ADP
ejif-922	4	12	the	the	DET
ejif-922	4	13	profitability	profitability	NOUN
ejif-922	4	14	of	of	ADP
ejif-922	4	15	islamic	islamic	ADJ
ejif-922	4	16	banks	bank	NOUN
ejif-922	4	17	operating	operate	VERB
ejif-922	4	18	in	in	ADP
ejif-922	4	19	malaysia	malaysia	PROPN
ejif-922	4	20	.	.	PUNCT
ejif-922	5	1	the	the	DET
ejif-922	5	2	pooled	pooled	ADJ
ejif-922	5	3	ordinary	ordinary	ADJ
ejif-922	5	4	least	least	ADJ
ejif-922	5	5	square	square	ADJ
ejif-922	5	6	method	method	NOUN
ejif-922	5	7	is	be	AUX
ejif-922	5	8	employed	employ	VERB
ejif-922	5	9	using	use	VERB
ejif-922	5	10	annual	annual	ADJ
ejif-922	5	11	data	datum	NOUN
ejif-922	5	12	from	from	ADP
ejif-922	5	13	the	the	DET
ejif-922	5	14	period	period	NOUN
ejif-922	5	15	2007	2007	NUM
ejif-922	5	16	to	to	ADP
ejif-922	5	17	2013	2013	NUM
ejif-922	5	18	on	on	ADP
ejif-922	5	19	11	11	NUM
ejif-922	5	20	islamic	islamic	ADJ
ejif-922	5	21	banks	bank	NOUN
ejif-922	5	22	in	in	ADP
ejif-922	5	23	malaysia	malaysia	PROPN
ejif-922	5	24	.	.	PUNCT
ejif-922	6	1	in	in	SCONJ
ejif-922	6	2	order	order	NOUN
ejif-922	6	3	to	to	PART
ejif-922	6	4	evaluate	evaluate	VERB
ejif-922	6	5	the	the	DET
ejif-922	6	6	financial	financial	ADJ
ejif-922	6	7	performance	performance	NOUN
ejif-922	6	8	of	of	ADP
ejif-922	6	9	these	these	DET
ejif-922	6	10	islamic	islamic	ADJ
ejif-922	6	11	banksthe	banksthe	DET
ejif-922	6	12	profitability	profitability	NOUN
ejif-922	6	13	are	be	AUX
ejif-922	6	14	measured	measure	VERB
ejif-922	6	15	using	use	VERB
ejif-922	6	16	the	the	DET
ejif-922	6	17	return	return	NOUN
ejif-922	6	18	on	on	ADP
ejif-922	6	19	assets	asset	NOUN
ejif-922	6	20	(	(	PUNCT
ejif-922	6	21	roa	roa	NOUN
ejif-922	6	22	)	)	PUNCT
ejif-922	6	23	indicator	indicator	NOUN
ejif-922	6	24	.	.	PUNCT
ejif-922	7	1	the	the	DET
ejif-922	7	2	empirical	empirical	ADJ
ejif-922	7	3	findings	finding	NOUN
ejif-922	7	4	of	of	ADP
ejif-922	7	5	study	study	NOUN
ejif-922	7	6	reveals	reveal	VERB
ejif-922	7	7	that	that	SCONJ
ejif-922	7	8	bank	bank	NOUN
ejif-922	7	9	-	-	PUNCT
ejif-922	7	10	specific	specific	ADJ
ejif-922	7	11	factors	factor	NOUN
ejif-922	7	12	such	such	ADJ
ejif-922	7	13	as	as	ADP
ejif-922	7	14	the	the	DET
ejif-922	7	15	efficiency	efficiency	NOUN
ejif-922	7	16	ratios	ratio	NOUN
ejif-922	7	17	(	(	PUNCT
ejif-922	7	18	overhead	overhead	ADJ
ejif-922	7	19	costs	cost	NOUN
ejif-922	7	20	)	)	PUNCT
ejif-922	7	21	is	be	AUX
ejif-922	7	22	negatively	negatively	ADV
ejif-922	7	23	and	and	CCONJ
ejif-922	7	24	statistically	statistically	ADV
ejif-922	7	25	significant	significant	ADJ
ejif-922	7	26	to	to	ADP
ejif-922	7	27	the	the	DET
ejif-922	7	28	profitability	profitability	NOUN
ejif-922	7	29	of	of	ADP
ejif-922	7	30	the	the	DET
ejif-922	7	31	islamic	islamic	PROPN
ejif-922	7	32	bank	bank	PROPN
ejif-922	7	33	’s	’s	PART
ejif-922	7	34	performance	performance	NOUN
ejif-922	7	35	,	,	PUNCT
ejif-922	7	36	while	while	SCONJ
ejif-922	7	37	equity	equity	NOUN
ejif-922	7	38	financing	financing	NOUN
ejif-922	7	39	is	be	AUX
ejif-922	7	40	positive	positive	ADJ
ejif-922	7	41	and	and	CCONJ
ejif-922	7	42	statistically	statistically	ADV
ejif-922	7	43	significant	significant	ADJ
ejif-922	7	44	to	to	ADP
ejif-922	7	45	the	the	DET
ejif-922	7	46	profitability	profitability	NOUN
ejif-922	7	47	of	of	ADP
ejif-922	7	48	islamic	islamic	ADJ
ejif-922	7	49	banks	bank	NOUN
ejif-922	7	50	.	.	PUNCT
ejif-922	8	1	the	the	DET
ejif-922	8	2	credit	credit	NOUN
ejif-922	8	3	risks	risk	NOUN
ejif-922	8	4	and	and	CCONJ
ejif-922	8	5	liquidity	liquidity	NOUN
ejif-922	8	6	risks	risk	NOUN
ejif-922	8	7	factors	factor	NOUN
ejif-922	8	8	are	be	AUX
ejif-922	8	9	insignificant	insignificant	ADJ
ejif-922	8	10	on	on	ADP
ejif-922	8	11	the	the	DET
ejif-922	8	12	performance	performance	NOUN
ejif-922	8	13	of	of	ADP
ejif-922	8	14	the	the	DET
ejif-922	8	15	islamic	islamic	ADJ
ejif-922	8	16	banks	bank	NOUN
ejif-922	8	17	.	.	PUNCT
ejif-922	9	1	on	on	ADP
ejif-922	9	2	the	the	DET
ejif-922	9	3	other	other	ADJ
ejif-922	9	4	hand	hand	NOUN
ejif-922	9	5	,	,	PUNCT
ejif-922	9	6	macroeconomic	macroeconomic	ADJ
ejif-922	9	7	factors	factor	NOUN
ejif-922	9	8	such	such	ADJ
ejif-922	9	9	as	as	ADP
ejif-922	9	10	inflation	inflation	NOUN
ejif-922	9	11	have	have	VERB
ejif-922	9	12	a	a	DET
ejif-922	9	13	positive	positive	ADJ
ejif-922	9	14	and	and	CCONJ
ejif-922	9	15	statistically	statistically	ADV
ejif-922	9	16	significant	significant	ADJ
ejif-922	9	17	impact	impact	NOUN
ejif-922	9	18	on	on	ADP
ejif-922	9	19	the	the	DET
ejif-922	9	20	return	return	NOUN
ejif-922	9	21	on	on	ADP
ejif-922	9	22	assets	asset	NOUN
ejif-922	9	23	whereas	whereas	SCONJ
ejif-922	9	24	savings	saving	NOUN
ejif-922	9	25	on	on	ADP
ejif-922	9	26	gross	gross	ADJ
ejif-922	9	27	national	national	ADJ
ejif-922	9	28	income	income	NOUN
ejif-922	9	29	has	have	VERB
ejif-922	9	30	a	a	DET
ejif-922	9	31	statistically	statistically	ADV
ejif-922	9	32	significant	significant	ADJ
ejif-922	9	33	and	and	CCONJ
ejif-922	9	34	negative	negative	ADJ
ejif-922	9	35	impact	impact	NOUN
ejif-922	9	36	on	on	ADP
ejif-922	9	37	the	the	DET
ejif-922	9	38	performance	performance	NOUN
ejif-922	9	39	of	of	ADP
ejif-922	9	40	islamic	islamic	ADJ
ejif-922	9	41	banks	bank	NOUN
ejif-922	9	42	.	.	PUNCT
ejif-922	10	1	keywords	keyword	NOUN
ejif-922	10	2	-	-	PUNCT
ejif-922	10	3	bank	bank	NOUN
ejif-922	10	4	-	-	PUNCT
ejif-922	10	5	specific	specific	ADJ
ejif-922	10	6	,	,	PUNCT
ejif-922	10	7	macroeconomic	macroeconomic	ADJ
ejif-922	10	8	,	,	PUNCT
ejif-922	10	9	determinants	determinant	NOUN
ejif-922	10	10	,	,	PUNCT
ejif-922	10	11	islamic	islamic	ADJ
ejif-922	10	12	banks	bank	NOUN
ejif-922	10	13	,	,	PUNCT
ejif-922	10	14	roa	roa	PROPN
ejif-922	10	15	,	,	PUNCT
ejif-922	10	16	efficiency	efficiency	NOUN
ejif-922	10	17	ratios	ratio	NOUN
ejif-922	10	18	,	,	PUNCT
ejif-922	10	19	equity	equity	NOUN
ejif-922	10	20	finance	finance	NOUN
ejif-922	10	21	,	,	PUNCT
ejif-922	10	22	credit	credit	NOUN
ejif-922	10	23	risk	risk	NOUN
ejif-922	10	24	,	,	PUNCT
ejif-922	10	25	liquidity	liquidity	NOUN
ejif-922	10	26	risk	risk	NOUN
ejif-922	10	27	,	,	PUNCT
ejif-922	10	28	inflation	inflation	NOUN
ejif-922	10	29	,	,	PUNCT
ejif-922	10	30	gross	gross	ADJ
ejif-922	10	31	savings	saving	NOUN
ejif-922	10	32	on	on	ADP
ejif-922	10	33	national	national	ADJ
ejif-922	10	34	income	income	NOUN
ejif-922	10	35	.	.	PUNCT
ejif-922	11	1	i.	i.	PROPN
ejif-922	11	2	introduction	introduction	PROPN
ejif-922	11	3	islamic	islamic	PROPN
ejif-922	11	4	finance	finance	PROPN
ejif-922	11	5	is	be	AUX
ejif-922	11	6	getting	get	VERB
ejif-922	11	7	widespread	widespread	ADJ
ejif-922	11	8	acceptance	acceptance	NOUN
ejif-922	11	9	all	all	ADV
ejif-922	11	10	over	over	ADP
ejif-922	11	11	the	the	DET
ejif-922	11	12	world	world	NOUN
ejif-922	11	13	and	and	CCONJ
ejif-922	11	14	is	be	AUX
ejif-922	11	15	nowadays	nowadays	ADV
ejif-922	11	16	regarded	regard	VERB
ejif-922	11	17	as	as	ADP
ejif-922	11	18	a	a	DET
ejif-922	11	19	serious	serious	ADJ
ejif-922	11	20	competitor	competitor	NOUN
ejif-922	11	21	to	to	ADP
ejif-922	11	22	“	"	PUNCT
ejif-922	11	23	conventional	conventional	ADJ
ejif-922	11	24	finance	finance	NOUN
ejif-922	11	25	”	"	PUNCT
ejif-922	11	26	.	.	PUNCT
ejif-922	12	1	during	during	ADP
ejif-922	12	2	the	the	DET
ejif-922	12	3	last	last	ADJ
ejif-922	12	4	three	three	NUM
ejif-922	12	5	decades	decade	NOUN
ejif-922	12	6	,	,	PUNCT
ejif-922	12	7	islamic	islamic	ADJ
ejif-922	12	8	banking	banking	NOUN
ejif-922	12	9	matured	mature	VERB
ejif-922	12	10	into	into	ADP
ejif-922	12	11	a	a	DET
ejif-922	12	12	viable	viable	ADJ
ejif-922	12	13	alternative	alternative	ADJ
ejif-922	12	14	model	model	NOUN
ejif-922	12	15	of	of	ADP
ejif-922	12	16	financial	financial	ADJ
ejif-922	12	17	intermediation	intermediation	NOUN
ejif-922	12	18	and	and	CCONJ
ejif-922	12	19	gained	gain	VERB
ejif-922	12	20	credibility	credibility	NOUN
ejif-922	12	21	as	as	SCONJ
ejif-922	12	22	witnessed	witness	VERB
ejif-922	12	23	by	by	ADP
ejif-922	12	24	the	the	DET
ejif-922	12	25	establishment	establishment	NOUN
ejif-922	12	26	of	of	ADP
ejif-922	12	27	a	a	DET
ejif-922	12	28	large	large	ADJ
ejif-922	12	29	number	number	NOUN
ejif-922	12	30	of	of	ADP
ejif-922	12	31	islamic	islamic	ADJ
ejif-922	12	32	financial	financial	ADJ
ejif-922	12	33	institutions	institution	NOUN
ejif-922	12	34	all	all	ADV
ejif-922	12	35	over	over	ADP
ejif-922	12	36	the	the	DET
ejif-922	12	37	world	world	NOUN
ejif-922	12	38	.	.	PUNCT
ejif-922	13	1	(	(	PUNCT
ejif-922	13	2	karimet.al	karimet.al	PROPN
ejif-922	13	3	.	.	PROPN
ejif-922	13	4	,	,	PUNCT
ejif-922	13	5	2010	2010	NUM
ejif-922	13	6	)	)	PUNCT
ejif-922	13	7	.	.	PUNCT
ejif-922	14	1	in	in	ADP
ejif-922	14	2	service	service	NOUN
ejif-922	14	3	providing	provide	VERB
ejif-922	14	4	economies	economy	NOUN
ejif-922	14	5	,	,	PUNCT
ejif-922	14	6	the	the	DET
ejif-922	14	7	banks	bank	NOUN
ejif-922	14	8	play	play	VERB
ejif-922	14	9	very	very	ADV
ejif-922	14	10	key	key	ADJ
ejif-922	14	11	role	role	NOUN
ejif-922	14	12	as	as	ADP
ejif-922	14	13	a	a	DET
ejif-922	14	14	financial	financial	ADJ
ejif-922	14	15	intermediaries	intermediary	NOUN
ejif-922	14	16	and	and	CCONJ
ejif-922	14	17	also	also	ADV
ejif-922	14	18	considered	consider	VERB
ejif-922	14	19	very	very	ADV
ejif-922	14	20	important	important	ADJ
ejif-922	14	21	for	for	ADP
ejif-922	14	22	economic	economic	ADJ
ejif-922	14	23	developments	development	NOUN
ejif-922	14	24	.	.	PUNCT
ejif-922	15	1	over	over	ADP
ejif-922	15	2	the	the	DET
ejif-922	15	3	last	last	ADJ
ejif-922	15	4	twenty	twenty	NUM
ejif-922	15	5	years	year	NOUN
ejif-922	15	6	,	,	PUNCT
ejif-922	15	7	market	market	NOUN
ejif-922	15	8	conditions	condition	NOUN
ejif-922	15	9	in	in	ADP
ejif-922	15	10	banking	banking	NOUN
ejif-922	15	11	have	have	AUX
ejif-922	15	12	undergone	undergo	VERB
ejif-922	15	13	extensive	extensive	ADJ
ejif-922	15	14	changes	change	NOUN
ejif-922	15	15	on	on	ADP
ejif-922	15	16	both	both	DET
ejif-922	15	17	demand	demand	NOUN
ejif-922	15	18	and	and	CCONJ
ejif-922	15	19	supply	supply	NOUN
ejif-922	15	20	sides	side	NOUN
ejif-922	15	21	(	(	PUNCT
ejif-922	15	22	sufian&habibullah	sufian&habibullah	PROPN
ejif-922	15	23	,	,	PUNCT
ejif-922	15	24	2009	2009	NUM
ejif-922	15	25	)	)	PUNCT
ejif-922	15	26	.	.	PUNCT
ejif-922	16	1	on	on	ADP
ejif-922	16	2	the	the	DET
ejif-922	16	3	demand	demand	NOUN
ejif-922	16	4	side	side	NOUN
ejif-922	16	5	,	,	PUNCT
ejif-922	16	6	customers	customer	NOUN
ejif-922	16	7	have	have	AUX
ejif-922	16	8	become	become	VERB
ejif-922	16	9	more	more	ADV
ejif-922	16	10	sophisticated	sophisticated	ADJ
ejif-922	16	11	,	,	PUNCT
ejif-922	16	12	value	value	NOUN
ejif-922	16	13	-	-	PUNCT
ejif-922	16	14	oriented	orient	VERB
ejif-922	16	15	and	and	CCONJ
ejif-922	16	16	price	price	NOUN
ejif-922	16	17	sensitive	sensitive	ADJ
ejif-922	16	18	.	.	PUNCT
ejif-922	17	1	on	on	ADP
ejif-922	17	2	the	the	DET
ejif-922	17	3	supply	supply	NOUN
ejif-922	17	4	side	side	NOUN
ejif-922	17	5	,	,	PUNCT
ejif-922	17	6	the	the	DET
ejif-922	17	7	globalization	globalization	NOUN
ejif-922	17	8	of	of	ADP
ejif-922	17	9	financial	financial	ADJ
ejif-922	17	10	markets	market	NOUN
ejif-922	17	11	has	have	AUX
ejif-922	17	12	been	be	AUX
ejif-922	17	13	accompanied	accompany	VERB
ejif-922	17	14	by	by	ADP
ejif-922	17	15	government	government	NOUN
ejif-922	17	16	deregulations	deregulation	NOUN
ejif-922	17	17	,	,	PUNCT
ejif-922	17	18	financial	financial	ADJ
ejif-922	17	19	innovation	innovation	NOUN
ejif-922	17	20	and	and	CCONJ
ejif-922	17	21	automation	automation	NOUN
ejif-922	17	22	.	.	PUNCT
ejif-922	18	1	these	these	DET
ejif-922	18	2	two	two	NUM
ejif-922	18	3	factors	factor	NOUN
ejif-922	18	4	have	have	AUX
ejif-922	18	5	resulted	result	VERB
ejif-922	18	6	in	in	ADP
ejif-922	18	7	an	an	DET
ejif-922	18	8	increase	increase	NOUN
ejif-922	18	9	in	in	ADP
ejif-922	18	10	the	the	DET
ejif-922	18	11	number	number	NOUN
ejif-922	18	12	of	of	ADP
ejif-922	18	13	competitors	competitor	NOUN
ejif-922	18	14	,	,	PUNCT
ejif-922	18	15	followed	follow	VERB
ejif-922	18	16	by	by	ADP
ejif-922	18	17	cost	cost	NOUN
ejif-922	18	18	reductions	reduction	NOUN
ejif-922	18	19	and	and	CCONJ
ejif-922	18	20	profit	profit	NOUN
ejif-922	18	21	declines	decline	NOUN
ejif-922	18	22	.	.	PUNCT
ejif-922	19	1	it	it	PRON
ejif-922	19	2	is	be	AUX
ejif-922	19	3	reasonable	reasonable	ADJ
ejif-922	19	4	to	to	PART
ejif-922	19	5	assume	assume	VERB
ejif-922	19	6	that	that	SCONJ
ejif-922	19	7	these	these	DET
ejif-922	19	8	forces	force	NOUN
ejif-922	19	9	have	have	AUX
ejif-922	19	10	posted	post	VERB
ejif-922	19	11	great	great	ADJ
ejif-922	19	12	challenges	challenge	NOUN
ejif-922	19	13	to	to	ADP
ejif-922	19	14	the	the	DET
ejif-922	19	15	islamic	islamic	ADJ
ejif-922	19	16	banks	bank	NOUN
ejif-922	19	17	as	as	ADP
ejif-922	19	18	the	the	DET
ejif-922	19	19	environment	environment	NOUN
ejif-922	19	20	in	in	ADP
ejif-922	19	21	which	which	PRON
ejif-922	19	22	they	they	PRON
ejif-922	19	23	are	be	AUX
ejif-922	19	24	operating	operate	VERB
ejif-922	19	25	has	have	AUX
ejif-922	19	26	been	be	AUX
ejif-922	19	27	changing	change	VERB
ejif-922	19	28	rapidly	rapidly	ADV
ejif-922	19	29	.	.	PUNCT
ejif-922	20	1	this	this	PRON
ejif-922	20	2	could	could	AUX
ejif-922	20	3	reasonably	reasonably	ADV
ejif-922	20	4	be	be	AUX
ejif-922	20	5	expected	expect	VERB
ejif-922	20	6	to	to	PART
ejif-922	20	7	have	have	VERB
ejif-922	20	8	an	an	DET
ejif-922	20	9	impact	impact	NOUN
ejif-922	20	10	on	on	ADP
ejif-922	20	11	the	the	DET
ejif-922	20	12	determinants	determinant	NOUN
ejif-922	20	13	of	of	ADP
ejif-922	20	14	their	their	PRON
ejif-922	20	15	performance	performance	NOUN
ejif-922	20	16	.	.	PUNCT
ejif-922	21	1	despite	despite	SCONJ
ejif-922	21	2	considerable	considerable	ADJ
ejif-922	21	3	development	development	NOUN
ejif-922	21	4	in	in	ADP
ejif-922	21	5	the	the	DET
ejif-922	21	6	islamic	islamic	ADJ
ejif-922	21	7	banking	banking	NOUN
ejif-922	21	8	sector	sector	NOUN
ejif-922	21	9	,	,	PUNCT
ejif-922	21	10	empirical	empirical	ADJ
ejif-922	21	11	work	work	NOUN
ejif-922	21	12	on	on	ADP
ejif-922	21	13	islamic	islamic	ADJ
ejif-922	21	14	banks	bank	NOUN
ejif-922	21	15	performance	performance	NOUN
ejif-922	21	16	is	be	AUX
ejif-922	21	17	still	still	ADV
ejif-922	21	18	its	its	PRON
ejif-922	21	19	infancy	infancy	NOUN
ejif-922	21	20	.	.	PUNCT
ejif-922	22	1	to	to	ADP
ejif-922	22	2	date	date	NOUN
ejif-922	22	3	,	,	PUNCT
ejif-922	22	4	empirical	empirical	ADJ
ejif-922	22	5	studies	study	NOUN
ejif-922	22	6	on	on	ADP
ejif-922	22	7	the	the	DET
ejif-922	22	8	performance	performance	NOUN
ejif-922	22	9	of	of	ADP
ejif-922	22	10	the	the	DET
ejif-922	22	11	banking	banking	NOUN
ejif-922	22	12	sector	sector	NOUN
ejif-922	22	13	in	in	ADP
ejif-922	22	14	the	the	DET
ejif-922	22	15	both	both	DET
ejif-922	22	16	developed	developed	ADJ
ejif-922	22	17	and	and	CCONJ
ejif-922	22	18	developing	develop	VERB
ejif-922	22	19	countries	country	NOUN
ejif-922	22	20	focused	focus	VERB
ejif-922	22	21	on	on	ADP
ejif-922	22	22	the	the	DET
ejif-922	22	23	conventional	conventional	ADJ
ejif-922	22	24	interest	interest	NOUN
ejif-922	22	25	based	base	VERB
ejif-922	22	26	banking	banking	NOUN
ejif-922	22	27	system	system	NOUN
ejif-922	22	28	,	,	PUNCT
ejif-922	22	29	while	while	SCONJ
ejif-922	22	30	there	there	PRON
ejif-922	22	31	has	have	AUX
ejif-922	22	32	been	be	AUX
ejif-922	22	33	almost	almost	ADV
ejif-922	22	34	no	no	DET
ejif-922	22	35	conclusive	conclusive	ADJ
ejif-922	22	36	research	research	NOUN
ejif-922	22	37	done	do	VERB
ejif-922	22	38	on	on	ADP
ejif-922	22	39	the	the	DET
ejif-922	22	40	performance	performance	NOUN
ejif-922	22	41	of	of	ADP
ejif-922	22	42	the	the	DET
ejif-922	22	43	islamic	islamic	ADJ
ejif-922	22	44	banking	banking	NOUN
ejif-922	22	45	sector	sector	NOUN
ejif-922	22	46	.	.	PUNCT
ejif-922	23	1	mohammad	mohammad	PROPN
ejif-922	23	2	ashrafulferdouschowdhury	ashrafulferdouschowdhury	PROPN
ejif-922	23	3	*	*	PUNCT
ejif-922	23	4	ejif	ejif	PROPN
ejif-922	23	5	–	–	PUNCT
ejif-922	23	6	european	european	PROPN
ejif-922	23	7	journal	journal	PROPN
ejif-922	23	8	of	of	ADP
ejif-922	23	9	islamic	islamic	PROPN
ejif-922	23	10	finance	finance	NOUN
ejif-922	23	11	no2	no2	PROPN
ejif-922	23	12	,	,	PUNCT
ejif-922	23	13	april	april	PROPN
ejif-922	23	14	(	(	PUNCT
ejif-922	23	15	2015	2015	NUM
ejif-922	23	16	)	)	PUNCT
ejif-922	24	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	24	2	issn	issn	VERB
ejif-922	24	3	2421	2421	NUM
ejif-922	24	4	-	-	SYM
ejif-922	24	5	2172	2172	NUM
ejif-922	24	6	2	2	NUM
ejif-922	24	7	ii	ii	NOUN
ejif-922	24	8	.	.	PUNCT
ejif-922	25	1	objectives	objective	NOUN
ejif-922	25	2	of	of	ADP
ejif-922	25	3	the	the	DET
ejif-922	25	4	study	study	NOUN
ejif-922	25	5	1	1	NUM
ejif-922	25	6	.	.	PUNCT
ejif-922	25	7	main	main	ADJ
ejif-922	25	8	objective	objective	NOUN
ejif-922	25	9	:	:	PUNCT
ejif-922	25	10	the	the	DET
ejif-922	25	11	main	main	ADJ
ejif-922	25	12	objective	objective	NOUN
ejif-922	25	13	of	of	ADP
ejif-922	25	14	the	the	DET
ejif-922	25	15	proposed	propose	VERB
ejif-922	25	16	study	study	NOUN
ejif-922	25	17	is	be	AUX
ejif-922	25	18	to	to	PART
ejif-922	25	19	identify	identify	VERB
ejif-922	25	20	main	main	ADJ
ejif-922	25	21	determinants	determinant	NOUN
ejif-922	25	22	and	and	CCONJ
ejif-922	25	23	discrepancies	discrepancy	NOUN
ejif-922	25	24	of	of	ADP
ejif-922	25	25	the	the	DET
ejif-922	25	26	islamic	islamic	ADJ
ejif-922	25	27	banks	bank	NOUN
ejif-922	25	28	performance	performance	NOUN
ejif-922	25	29	in	in	ADP
ejif-922	25	30	malaysia	malaysia	PROPN
ejif-922	25	31	and	and	CCONJ
ejif-922	25	32	to	to	PART
ejif-922	25	33	find	find	VERB
ejif-922	25	34	out	out	ADP
ejif-922	25	35	to	to	ADP
ejif-922	25	36	what	what	DET
ejif-922	25	37	extent	extent	NOUN
ejif-922	25	38	these	these	DET
ejif-922	25	39	discrepancies	discrepancy	NOUN
ejif-922	25	40	in	in	ADP
ejif-922	25	41	the	the	DET
ejif-922	25	42	banks‟	banks‟	PROPN
ejif-922	25	43	profitability	profitability	NOUN
ejif-922	25	44	are	be	AUX
ejif-922	25	45	due	due	ADJ
ejif-922	25	46	to	to	ADP
ejif-922	25	47	variations	variation	NOUN
ejif-922	25	48	in	in	ADP
ejif-922	25	49	endogenous	endogenous	ADJ
ejif-922	25	50	factors	factor	NOUN
ejif-922	25	51	under	under	ADP
ejif-922	25	52	the	the	DET
ejif-922	25	53	control	control	NOUN
ejif-922	25	54	of	of	ADP
ejif-922	25	55	the	the	DET
ejif-922	25	56	bank	bank	NOUN
ejif-922	25	57	management	management	NOUN
ejif-922	25	58	and	and	CCONJ
ejif-922	25	59	to	to	ADP
ejif-922	25	60	what	what	DET
ejif-922	25	61	extent	extent	NOUN
ejif-922	25	62	of	of	ADP
ejif-922	25	63	external	external	ADJ
ejif-922	25	64	factors	factor	NOUN
ejif-922	25	65	.	.	PUNCT
ejif-922	26	1	2	2	X
ejif-922	26	2	.	.	X
ejif-922	26	3	specific	specific	ADJ
ejif-922	26	4	objectives	objective	NOUN
ejif-922	26	5	:	:	PUNCT
ejif-922	26	6	1	1	X
ejif-922	26	7	.	.	X
ejif-922	26	8	to	to	PART
ejif-922	26	9	analyze	analyze	VERB
ejif-922	26	10	and	and	CCONJ
ejif-922	26	11	compare	compare	VERB
ejif-922	26	12	the	the	DET
ejif-922	26	13	financial	financial	ADJ
ejif-922	26	14	performance	performance	NOUN
ejif-922	26	15	of	of	ADP
ejif-922	26	16	all	all	DET
ejif-922	26	17	islamic	islamic	ADJ
ejif-922	26	18	banks	bank	NOUN
ejif-922	26	19	in	in	ADP
ejif-922	26	20	malaysia	malaysia	PROPN
ejif-922	26	21	from	from	ADP
ejif-922	26	22	2007	2007	NUM
ejif-922	26	23	to	to	ADP
ejif-922	26	24	2013	2013	NUM
ejif-922	26	25	.	.	PUNCT
ejif-922	27	1	2	2	NUM
ejif-922	27	2	.	.	X
ejif-922	27	3	to	to	PART
ejif-922	27	4	investigate	investigate	VERB
ejif-922	27	5	and	and	CCONJ
ejif-922	27	6	identify	identify	VERB
ejif-922	27	7	the	the	DET
ejif-922	27	8	differences	difference	NOUN
ejif-922	27	9	in	in	ADP
ejif-922	27	10	the	the	DET
ejif-922	27	11	determinants	determinant	NOUN
ejif-922	27	12	of	of	ADP
ejif-922	27	13	bank‟s	bank‟s	ADJ
ejif-922	27	14	profitability	profitability	NOUN
ejif-922	27	15	in	in	ADP
ejif-922	27	16	malaysia	malaysia	PROPN
ejif-922	27	17	.	.	PUNCT
ejif-922	28	1	iii	iii	PROPN
ejif-922	28	2	.	.	PUNCT
ejif-922	29	1	literature	literature	PROPN
ejif-922	29	2	review	review	VERB
ejif-922	29	3	existing	exist	VERB
ejif-922	29	4	literature	literature	NOUN
ejif-922	29	5	groups	group	NOUN
ejif-922	29	6	the	the	DET
ejif-922	29	7	determinants	determinant	NOUN
ejif-922	29	8	(	(	PUNCT
ejif-922	29	9	factors	factor	NOUN
ejif-922	29	10	)	)	PUNCT
ejif-922	29	11	of	of	ADP
ejif-922	29	12	banks	bank	NOUN
ejif-922	29	13	financial	financial	ADJ
ejif-922	29	14	performance	performance	NOUN
ejif-922	29	15	into	into	ADP
ejif-922	29	16	two	two	NUM
ejif-922	29	17	types	type	NOUN
ejif-922	29	18	(	(	PUNCT
ejif-922	29	19	haron	haron	PROPN
ejif-922	29	20	,	,	PUNCT
ejif-922	29	21	2004	2004	NUM
ejif-922	29	22	):	):	PUNCT
ejif-922	29	23	the	the	DET
ejif-922	29	24	first	first	ADJ
ejif-922	29	25	is	be	AUX
ejif-922	29	26	the	the	DET
ejif-922	29	27	macroeconomic	macroeconomic	ADJ
ejif-922	29	28	determinants	determinant	NOUN
ejif-922	29	29	are	be	AUX
ejif-922	29	30	those	those	DET
ejif-922	29	31	factors	factor	NOUN
ejif-922	29	32	that	that	PRON
ejif-922	29	33	are	be	AUX
ejif-922	29	34	considered	consider	VERB
ejif-922	29	35	to	to	PART
ejif-922	29	36	be	be	AUX
ejif-922	29	37	away	away	ADV
ejif-922	29	38	from	from	ADP
ejif-922	29	39	the	the	DET
ejif-922	29	40	control	control	NOUN
ejif-922	29	41	of	of	ADP
ejif-922	29	42	bankadministration	bankadministration	NOUN
ejif-922	29	43	such	such	ADJ
ejif-922	29	44	as	as	ADP
ejif-922	29	45	gross	gross	ADJ
ejif-922	29	46	domestic	domestic	ADJ
ejif-922	29	47	product	product	NOUN
ejif-922	29	48	,	,	PUNCT
ejif-922	29	49	conventional	conventional	ADJ
ejif-922	29	50	banks	bank	NOUN
ejif-922	29	51	interest	interest	NOUN
ejif-922	29	52	rates	rate	NOUN
ejif-922	29	53	,	,	PUNCT
ejif-922	29	54	competition	competition	NOUN
ejif-922	29	55	,	,	PUNCT
ejif-922	29	56	regulation	regulation	NOUN
ejif-922	29	57	,	,	PUNCT
ejif-922	29	58	concentration	concentration	NOUN
ejif-922	29	59	,	,	PUNCT
ejif-922	29	60	market	market	NOUN
ejif-922	29	61	share	share	NOUN
ejif-922	29	62	,	,	PUNCT
ejif-922	29	63	ownership	ownership	NOUN
ejif-922	29	64	and	and	CCONJ
ejif-922	29	65	inflation.in	inflation.in	NUM
ejif-922	29	66	the	the	DET
ejif-922	29	67	literature	literature	NOUN
ejif-922	29	68	,	,	PUNCT
ejif-922	29	69	empirical	empirical	ADJ
ejif-922	29	70	studies	study	NOUN
ejif-922	29	71	on	on	ADP
ejif-922	29	72	profitability	profitability	NOUN
ejif-922	29	73	of	of	ADP
ejif-922	29	74	islamic	islamic	ADJ
ejif-922	29	75	banks	bank	NOUN
ejif-922	29	76	have	have	VERB
ejif-922	29	77	paidattention	paidattention	NOUN
ejif-922	29	78	on	on	ADP
ejif-922	29	79	specific	specific	ADJ
ejif-922	29	80	and	and	CCONJ
ejif-922	29	81	some	some	PRON
ejif-922	29	82	concentrated	concentrate	VERB
ejif-922	29	83	on	on	ADP
ejif-922	29	84	the	the	DET
ejif-922	29	85	panel	panel	NOUN
ejif-922	29	86	of	of	ADP
ejif-922	29	87	countries	country	NOUN
ejif-922	29	88	.	.	PUNCT
ejif-922	30	1	the	the	DET
ejif-922	30	2	studies	study	NOUN
ejif-922	30	3	usedin	usedin	VERB
ejif-922	30	4	the	the	DET
ejif-922	30	5	literature	literature	NOUN
ejif-922	30	6	aimed	aim	VERB
ejif-922	30	7	at	at	ADP
ejif-922	30	8	explaining	explain	VERB
ejif-922	30	9	the	the	DET
ejif-922	30	10	profitability	profitability	NOUN
ejif-922	30	11	of	of	ADP
ejif-922	30	12	islamic	islamic	ADJ
ejif-922	30	13	banks	bank	NOUN
ejif-922	30	14	includesmalaysia	includesmalaysia	PROPN
ejif-922	30	15	(	(	PUNCT
ejif-922	30	16	asma	asma	PROPN
ejif-922	30	17	et	et	PROPN
ejif-922	30	18	al	al	PROPN
ejif-922	30	19	.	.	PROPN
ejif-922	30	20	,	,	PUNCT
ejif-922	30	21	2011	2011	NUM
ejif-922	30	22	;	;	PUNCT
ejif-922	30	23	ahmad	ahmad	PROPN
ejif-922	30	24	and	and	CCONJ
ejif-922	30	25	ahmad	ahmad	PROPN
ejif-922	30	26	,	,	PUNCT
ejif-922	30	27	2004	2004	NUM
ejif-922	30	28	)	)	PUNCT
ejif-922	30	29	,	,	PUNCT
ejif-922	30	30	indonesia	indonesia	PROPN
ejif-922	30	31	(	(	PUNCT
ejif-922	30	32	izhar	izhar	NOUN
ejif-922	30	33	and	and	CCONJ
ejif-922	30	34	asutay,2007	asutay,2007	ADJ
ejif-922	30	35	)	)	PUNCT
ejif-922	30	36	,	,	PUNCT
ejif-922	30	37	bahrain	bahrain	NOUN
ejif-922	30	38	,	,	PUNCT
ejif-922	30	39	egypt	egypt	PROPN
ejif-922	30	40	,	,	PUNCT
ejif-922	30	41	sudan	sudan	PROPN
ejif-922	30	42	,	,	PUNCT
ejif-922	30	43	and	and	CCONJ
ejif-922	30	44	saudi	saudi	PROPN
ejif-922	30	45	arabia	arabia	PROPN
ejif-922	30	46	(	(	PUNCT
ejif-922	30	47	al	al	PROPN
ejif-922	30	48	-	-	PUNCT
ejif-922	30	49	jarrah	jarrah	PROPN
ejif-922	30	50	and	and	CCONJ
ejif-922	30	51	molyneux	molyneux	PROPN
ejif-922	30	52	,	,	PUNCT
ejif-922	30	53	2003).these	2003).these	NUM
ejif-922	30	54	studies	study	NOUN
ejif-922	30	55	inspect	inspect	VERB
ejif-922	30	56	theprofitability	theprofitability	NOUN
ejif-922	30	57	determinants	determinant	NOUN
ejif-922	30	58	of	of	ADP
ejif-922	30	59	islamic	islamic	ADJ
ejif-922	30	60	banks	bank	NOUN
ejif-922	30	61	.	.	PUNCT
ejif-922	31	1	the	the	DET
ejif-922	31	2	second	second	ADJ
ejif-922	31	3	type	type	NOUN
ejif-922	31	4	of	of	ADP
ejif-922	31	5	the	the	DET
ejif-922	31	6	determinants	determinant	NOUN
ejif-922	31	7	is	be	AUX
ejif-922	31	8	the	the	DET
ejif-922	31	9	bank	bank	NOUN
ejif-922	31	10	-	-	PUNCT
ejif-922	31	11	specific	specific	ADJ
ejif-922	31	12	factors	factor	NOUN
ejif-922	31	13	,	,	PUNCT
ejif-922	31	14	where	where	SCONJ
ejif-922	31	15	the	the	DET
ejif-922	31	16	size	size	NOUN
ejif-922	31	17	of	of	ADP
ejif-922	31	18	banks	bank	NOUN
ejif-922	31	19	,	,	PUNCT
ejif-922	31	20	capital	capital	NOUN
ejif-922	31	21	adequacy	adequacy	NOUN
ejif-922	31	22	,	,	PUNCT
ejif-922	31	23	liquidity	liquidity	NOUN
ejif-922	31	24	,	,	PUNCT
ejif-922	31	25	and	and	CCONJ
ejif-922	31	26	credit	credit	NOUN
ejif-922	31	27	risk	risk	NOUN
ejif-922	31	28	and	and	CCONJ
ejif-922	31	29	expenses	expense	NOUN
ejif-922	31	30	management	management	NOUN
ejif-922	31	31	effect	effect	NOUN
ejif-922	31	32	were	be	AUX
ejif-922	31	33	examined	examine	VERB
ejif-922	31	34	.	.	PUNCT
ejif-922	32	1	the	the	DET
ejif-922	32	2	researchers	researcher	NOUN
ejif-922	32	3	found	find	VERB
ejif-922	32	4	that	that	SCONJ
ejif-922	32	5	only	only	ADV
ejif-922	32	6	the	the	DET
ejif-922	32	7	variable	variable	ADJ
ejif-922	32	8	size	size	NOUN
ejif-922	32	9	of	of	ADP
ejif-922	32	10	banks	bank	NOUN
ejif-922	32	11	statistically	statistically	ADV
ejif-922	32	12	affects	affect	VERB
ejif-922	32	13	the	the	DET
ejif-922	32	14	profitability	profitability	NOUN
ejif-922	32	15	of	of	ADP
ejif-922	32	16	islamic	islamic	ADJ
ejif-922	32	17	banks	bank	NOUN
ejif-922	32	18	in	in	ADP
ejif-922	32	19	the	the	DET
ejif-922	32	20	malaysia	malaysia	PROPN
ejif-922	32	21	(	(	PUNCT
ejif-922	32	22	asma	asma	PROPN
ejif-922	32	23	et	et	PROPN
ejif-922	32	24	al	al	PROPN
ejif-922	32	25	.	.	PROPN
ejif-922	32	26	,	,	PUNCT
ejif-922	32	27	2011	2011	NUM
ejif-922	32	28	)	)	PUNCT
ejif-922	32	29	.	.	PUNCT
ejif-922	33	1	an	an	DET
ejif-922	33	2	indonesian	indonesian	ADJ
ejif-922	33	3	study	study	NOUN
ejif-922	33	4	conducted	conduct	VERB
ejif-922	33	5	by	by	ADP
ejif-922	33	6	izhar	izhar	NOUN
ejif-922	33	7	and	and	CCONJ
ejif-922	33	8	asutay	asutay	NOUN
ejif-922	33	9	(	(	PUNCT
ejif-922	33	10	2007	2007	NUM
ejif-922	33	11	)	)	PUNCT
ejif-922	33	12	with	with	ADP
ejif-922	33	13	aimed	aim	VERB
ejif-922	33	14	to	to	PART
ejif-922	33	15	determine	determine	VERB
ejif-922	33	16	islamic	islamic	ADJ
ejif-922	33	17	banks	bank	NOUN
ejif-922	33	18	profitability	profitability	NOUN
ejif-922	33	19	determinants	determinant	NOUN
ejif-922	33	20	.	.	PUNCT
ejif-922	34	1	the	the	DET
ejif-922	34	2	results	result	NOUN
ejif-922	34	3	of	of	ADP
ejif-922	34	4	the	the	DET
ejif-922	34	5	study	study	NOUN
ejif-922	34	6	conclude	conclude	VERB
ejif-922	34	7	that	that	SCONJ
ejif-922	34	8	service	service	NOUN
ejif-922	34	9	activities	activity	NOUN
ejif-922	34	10	have	have	VERB
ejif-922	34	11	no	no	DET
ejif-922	34	12	effect	effect	NOUN
ejif-922	34	13	on	on	ADP
ejif-922	34	14	profitability	profitability	NOUN
ejif-922	34	15	of	of	ADP
ejif-922	34	16	indonesia	indonesia	PROPN
ejif-922	34	17	islamic	islamic	PROPN
ejif-922	34	18	banks	bank	NOUN
ejif-922	34	19	and	and	CCONJ
ejif-922	34	20	were	be	AUX
ejif-922	34	21	statistically	statistically	ADV
ejif-922	34	22	insignificant	insignificant	ADJ
ejif-922	34	23	.	.	PUNCT
ejif-922	35	1	the	the	DET
ejif-922	35	2	study	study	NOUN
ejif-922	35	3	results	result	NOUN
ejif-922	35	4	has	have	AUX
ejif-922	35	5	support	support	VERB
ejif-922	35	6	the	the	DET
ejif-922	35	7	positive	positive	ADJ
ejif-922	35	8	relationship	relationship	NOUN
ejif-922	35	9	and	and	CCONJ
ejif-922	35	10	statistically	statistically	ADV
ejif-922	35	11	significant	significant	ADJ
ejif-922	35	12	between	between	ADP
ejif-922	35	13	inflation	inflation	NOUN
ejif-922	35	14	and	and	CCONJ
ejif-922	35	15	islamic	islamic	ADJ
ejif-922	35	16	banks	bank	NOUN
ejif-922	35	17	profitability	profitability	NOUN
ejif-922	35	18	.	.	PUNCT
ejif-922	36	1	a	a	DET
ejif-922	36	2	study	study	NOUN
ejif-922	36	3	conducted	conduct	VERB
ejif-922	36	4	by	by	ADP
ejif-922	36	5	ahmad	ahmad	NOUN
ejif-922	36	6	and	and	CCONJ
ejif-922	36	7	ahmad	ahmad	PROPN
ejif-922	36	8	(	(	PUNCT
ejif-922	36	9	2004	2004	NUM
ejif-922	36	10	)	)	PUNCT
ejif-922	36	11	that	that	PRON
ejif-922	36	12	affect	affect	VERB
ejif-922	36	13	malaysian	malaysian	ADJ
ejif-922	36	14	islamic	islamic	ADJ
ejif-922	36	15	banks	bank	NOUN
ejif-922	36	16	credit	credit	NOUN
ejif-922	36	17	risk	risk	NOUN
ejif-922	36	18	.	.	PUNCT
ejif-922	37	1	the	the	DET
ejif-922	37	2	study	study	NOUN
ejif-922	37	3	concludes	conclude	VERB
ejif-922	37	4	that	that	SCONJ
ejif-922	37	5	assets	asset	NOUN
ejif-922	37	6	size	size	NOUN
ejif-922	37	7	,	,	PUNCT
ejif-922	37	8	risky	risky	ADJ
ejif-922	37	9	assets	asset	NOUN
ejif-922	37	10	ratio	ratio	NOUN
ejif-922	37	11	and	and	CCONJ
ejif-922	37	12	islamic	islamic	ADJ
ejif-922	37	13	banks	bank	NOUN
ejif-922	37	14	management	management	NOUN
ejif-922	37	15	efficiency	efficiency	NOUN
ejif-922	37	16	effect	effect	NOUN
ejif-922	37	17	found	find	VERB
ejif-922	37	18	statistically	statistically	ADV
ejif-922	37	19	significant	significant	ADJ
ejif-922	37	20	on	on	ADP
ejif-922	37	21	islamic	islamic	ADJ
ejif-922	37	22	banks	bank	NOUN
ejif-922	37	23	credit	credit	NOUN
ejif-922	37	24	risk	risk	NOUN
ejif-922	37	25	.	.	PUNCT
ejif-922	38	1	in	in	ADP
ejif-922	38	2	the	the	DET
ejif-922	38	3	middle	middle	PROPN
ejif-922	38	4	east	east	PROPN
ejif-922	38	5	,	,	PUNCT
ejif-922	38	6	a	a	DET
ejif-922	38	7	study	study	NOUN
ejif-922	38	8	conducted	conduct	VERB
ejif-922	38	9	by	by	ADP
ejif-922	38	10	bashir	bashir	PROPN
ejif-922	38	11	(	(	PUNCT
ejif-922	38	12	2003	2003	NUM
ejif-922	38	13	)	)	PUNCT
ejif-922	38	14	examined	examine	VERB
ejif-922	38	15	the	the	DET
ejif-922	38	16	internal	internal	ADJ
ejif-922	38	17	variables	variable	NOUN
ejif-922	38	18	and	and	CCONJ
ejif-922	38	19	economic	economic	ADJ
ejif-922	38	20	environment	environment	NOUN
ejif-922	38	21	impact	impact	NOUN
ejif-922	38	22	on	on	ADP
ejif-922	38	23	the	the	DET
ejif-922	38	24	performance	performance	NOUN
ejif-922	38	25	of	of	ADP
ejif-922	38	26	islamic	islamic	ADJ
ejif-922	38	27	banks	bank	NOUN
ejif-922	38	28	.	.	PUNCT
ejif-922	39	1	the	the	DET
ejif-922	39	2	statistically	statistically	ADV
ejif-922	39	3	significant	significant	ADJ
ejif-922	39	4	and	and	CCONJ
ejif-922	39	5	positive	positive	ADJ
ejif-922	39	6	relationship	relationship	NOUN
ejif-922	39	7	founds	found	VERB
ejif-922	39	8	between	between	ADP
ejif-922	39	9	capital	capital	NOUN
ejif-922	39	10	adequacy	adequacy	NOUN
ejif-922	39	11	and	and	CCONJ
ejif-922	39	12	profitability	profitability	NOUN
ejif-922	39	13	of	of	ADP
ejif-922	39	14	islamic	islamic	ADJ
ejif-922	39	15	banks	bank	NOUN
ejif-922	39	16	.	.	PUNCT
ejif-922	40	1	the	the	DET
ejif-922	40	2	researcher	researcher	NOUN
ejif-922	40	3	also	also	ADV
ejif-922	40	4	concluded	conclude	VERB
ejif-922	40	5	from	from	ADP
ejif-922	40	6	the	the	DET
ejif-922	40	7	study	study	NOUN
ejif-922	40	8	,	,	PUNCT
ejif-922	40	9	foreigners	foreigner	NOUN
ejif-922	40	10	owned	own	VERB
ejif-922	40	11	islamic	islamic	ADJ
ejif-922	40	12	banks	bank	NOUN
ejif-922	40	13	have	have	VERB
ejif-922	40	14	ability	ability	NOUN
ejif-922	40	15	to	to	PART
ejif-922	40	16	attain	attain	VERB
ejif-922	40	17	higher	high	ADJ
ejif-922	40	18	profit	profit	NOUN
ejif-922	40	19	ratio	ratio	NOUN
ejif-922	40	20	then	then	ADV
ejif-922	40	21	the	the	DET
ejif-922	40	22	banks	bank	NOUN
ejif-922	40	23	locally	locally	ADV
ejif-922	40	24	owned	own	VERB
ejif-922	40	25	.	.	PUNCT
ejif-922	41	1	the	the	DET
ejif-922	41	2	positive	positive	ADJ
ejif-922	41	3	impact	impact	NOUN
ejif-922	41	4	and	and	CCONJ
ejif-922	41	5	statistically	statistically	ADV
ejif-922	41	6	significant	significant	ADJ
ejif-922	41	7	relationship	relationship	NOUN
ejif-922	41	8	of	of	ADP
ejif-922	41	9	inflation	inflation	NOUN
ejif-922	41	10	founds	found	VERB
ejif-922	41	11	on	on	ADP
ejif-922	41	12	the	the	DET
ejif-922	41	13	profitability	profitability	NOUN
ejif-922	41	14	of	of	ADP
ejif-922	41	15	middle	middle	PROPN
ejif-922	41	16	east	east	PROPN
ejif-922	41	17	islamic	islamic	ADJ
ejif-922	41	18	banks	bank	NOUN
ejif-922	41	19	.	.	PUNCT
ejif-922	42	1	a	a	DET
ejif-922	42	2	study	study	NOUN
ejif-922	42	3	conducted	conduct	VERB
ejif-922	42	4	by	by	ADP
ejif-922	42	5	al	al	PROPN
ejif-922	42	6	-	-	PUNCT
ejif-922	42	7	jarrah	jarrah	PROPN
ejif-922	42	8	and	and	CCONJ
ejif-922	42	9	molyneux	molyneux	PROPN
ejif-922	42	10	(	(	PUNCT
ejif-922	42	11	2003	2003	NUM
ejif-922	42	12	)	)	PUNCT
ejif-922	42	13	on	on	ADP
ejif-922	42	14	the	the	DET
ejif-922	42	15	banks	bank	NOUN
ejif-922	42	16	and	and	CCONJ
ejif-922	42	17	banks	bank	NOUN
ejif-922	42	18	sample	sample	NOUN
ejif-922	42	19	are	be	AUX
ejif-922	42	20	taken	take	VERB
ejif-922	42	21	from	from	ADP
ejif-922	42	22	bahrain	bahrain	NOUN
ejif-922	42	23	,	,	PUNCT
ejif-922	42	24	egypt	egypt	PROPN
ejif-922	42	25	,	,	PUNCT
ejif-922	42	26	sudan	sudan	PROPN
ejif-922	42	27	,	,	PUNCT
ejif-922	42	28	and	and	CCONJ
ejif-922	42	29	saudi	saudi	PROPN
ejif-922	42	30	arabia	arabia	PROPN
ejif-922	42	31	.	.	PUNCT
ejif-922	43	1	the	the	DET
ejif-922	43	2	researchers	researcher	NOUN
ejif-922	43	3	found	find	VERB
ejif-922	43	4	that	that	SCONJ
ejif-922	43	5	in	in	ADP
ejif-922	43	6	their	their	PRON
ejif-922	43	7	selected	select	VERB
ejif-922	43	8	sample	sample	NOUN
ejif-922	43	9	islamic	islamic	ADJ
ejif-922	43	10	banks	bank	NOUN
ejif-922	43	11	are	be	AUX
ejif-922	43	12	most	most	ADV
ejif-922	43	13	efficient	efficient	ADJ
ejif-922	43	14	.	.	PUNCT
ejif-922	44	1	they	they	PRON
ejif-922	44	2	also	also	ADV
ejif-922	44	3	concluded	conclude	VERB
ejif-922	44	4	that	that	SCONJ
ejif-922	44	5	islamic	islamic	ADJ
ejif-922	44	6	banks	bank	NOUN
ejif-922	44	7	funds	fund	NOUN
ejif-922	44	8	cost	cost	NOUN
ejif-922	44	9	is	be	AUX
ejif-922	44	10	lower	low	ADJ
ejif-922	44	11	comparatively	comparatively	ADV
ejif-922	44	12	to	to	ADP
ejif-922	44	13	other	other	ADJ
ejif-922	44	14	financial	financial	ADJ
ejif-922	44	15	institutions	institution	NOUN
ejif-922	44	16	cost	cost	VERB
ejif-922	44	17	.	.	PUNCT
ejif-922	45	1	a	a	DET
ejif-922	45	2	study	study	NOUN
ejif-922	45	3	by	by	ADP
ejif-922	45	4	hassan	hassan	PROPN
ejif-922	45	5	and	and	CCONJ
ejif-922	45	6	bashir	bashir	PROPN
ejif-922	45	7	(	(	PUNCT
ejif-922	45	8	2003	2003	NUM
ejif-922	45	9	)	)	PUNCT
ejif-922	45	10	examine	examine	VERB
ejif-922	45	11	the	the	DET
ejif-922	45	12	impact	impact	NOUN
ejif-922	45	13	of	of	ADP
ejif-922	45	14	factors	factor	NOUN
ejif-922	45	15	on	on	ADP
ejif-922	45	16	profitability	profitability	NOUN
ejif-922	45	17	of	of	ADP
ejif-922	45	18	islamic	islamic	ADJ
ejif-922	45	19	banks	bank	NOUN
ejif-922	45	20	.	.	PUNCT
ejif-922	46	1	hassan	hassan	PROPN
ejif-922	46	2	and	and	CCONJ
ejif-922	46	3	bashir	bashir	PROPN
ejif-922	46	4	found	find	VERB
ejif-922	46	5	the	the	DET
ejif-922	46	6	statistically	statistically	ADV
ejif-922	46	7	significant	significant	ADJ
ejif-922	46	8	and	and	CCONJ
ejif-922	46	9	positive	positive	ADJ
ejif-922	46	10	effect	effect	NOUN
ejif-922	46	11	for	for	ADP
ejif-922	46	12	the	the	DET
ejif-922	46	13	loans	loan	NOUN
ejif-922	46	14	activities	activity	NOUN
ejif-922	46	15	ratio	ratio	NOUN
ejif-922	46	16	and	and	CCONJ
ejif-922	46	17	capital	capital	NOUN
ejif-922	46	18	adequacy	adequacy	NOUN
ejif-922	46	19	on	on	ADP
ejif-922	46	20	the	the	DET
ejif-922	46	21	islamic	islamic	ADJ
ejif-922	46	22	banks	bank	NOUN
ejif-922	46	23	profitability	profitability	NOUN
ejif-922	46	24	.	.	PUNCT
ejif-922	47	1	the	the	DET
ejif-922	47	2	few	few	ADJ
ejif-922	47	3	internal	internal	ADJ
ejif-922	47	4	and	and	CCONJ
ejif-922	47	5	external	external	ADJ
ejif-922	47	6	determinants	determinant	NOUN
ejif-922	47	7	of	of	ADP
ejif-922	47	8	profitability	profitability	NOUN
ejif-922	47	9	of	of	ADP
ejif-922	47	10	islamic	islamic	ADJ
ejif-922	47	11	banks	bank	NOUN
ejif-922	47	12	wereexamined	wereexamine	VERB
ejif-922	47	13	by	by	ADP
ejif-922	47	14	haron	haron	PROPN
ejif-922	47	15	(	(	PUNCT
ejif-922	47	16	1996	1996	NUM
ejif-922	47	17	)	)	PUNCT
ejif-922	47	18	.	.	PUNCT
ejif-922	48	1	the	the	DET
ejif-922	48	2	researcher	researcher	NOUN
ejif-922	48	3	concluded	conclude	VERB
ejif-922	48	4	from	from	ADP
ejif-922	48	5	his	his	PRON
ejif-922	48	6	study	study	NOUN
ejif-922	48	7	that	that	PRON
ejif-922	48	8	deposits	deposit	VERB
ejif-922	48	9	like(current	like(current	PROPN
ejif-922	48	10	,	,	PUNCT
ejif-922	48	11	savings	saving	NOUN
ejif-922	48	12	,	,	PUNCT
ejif-922	48	13	and	and	CCONJ
ejif-922	48	14	investment	investment	NOUN
ejif-922	48	15	)	)	PUNCT
ejif-922	48	16	alongside	alongside	ADP
ejif-922	48	17	capital	capital	NOUN
ejif-922	48	18	adequacy	adequacy	NOUN
ejif-922	48	19	,	,	PUNCT
ejif-922	48	20	total	total	ADJ
ejif-922	48	21	expensesand	expensesand	PROPN
ejif-922	48	22	liquidity	liquidity	NOUN
ejif-922	48	23	shows	show	VERB
ejif-922	48	24	statically	statically	ADV
ejif-922	48	25	significant	significant	ADJ
ejif-922	48	26	effect	effect	NOUN
ejif-922	48	27	on	on	ADP
ejif-922	48	28	the	the	DET
ejif-922	48	29	profitability	profitability	NOUN
ejif-922	48	30	of	of	ADP
ejif-922	48	31	islamicbanks	islamicbank	NOUN
ejif-922	48	32	,	,	PUNCT
ejif-922	48	33	and	and	CCONJ
ejif-922	48	34	his	his	PRON
ejif-922	48	35	study	study	NOUN
ejif-922	48	36	conducted	conduct	VERB
ejif-922	48	37	in	in	ADP
ejif-922	48	38	2004	2004	NUM
ejif-922	48	39	,	,	PUNCT
ejif-922	48	40	haron	haron	PROPN
ejif-922	48	41	examined	examine	VERB
ejif-922	48	42	the	the	DET
ejif-922	48	43	islamic	islamic	ADJ
ejif-922	48	44	banks	bank	NOUN
ejif-922	48	45	internalvariables	internalvariable	NOUN
ejif-922	48	46	and	and	CCONJ
ejif-922	48	47	conclude	conclude	VERB
ejif-922	48	48	that	that	SCONJ
ejif-922	48	49	variables	variable	NOUN
ejif-922	48	50	are	be	AUX
ejif-922	48	51	statistically	statistically	ADV
ejif-922	48	52	significant	significant	ADJ
ejif-922	48	53	effect	effect	NOUN
ejif-922	48	54	on	on	ADP
ejif-922	48	55	theprofitability	theprofitability	NOUN
ejif-922	48	56	of	of	ADP
ejif-922	48	57	islamic	islamic	ADJ
ejif-922	48	58	banks	bank	NOUN
ejif-922	48	59	,	,	PUNCT
ejif-922	48	60	and	and	CCONJ
ejif-922	48	61	also	also	ADV
ejif-922	48	62	concluded	conclude	VERB
ejif-922	48	63	that	that	SCONJ
ejif-922	48	64	the	the	DET
ejif-922	48	65	management	management	NOUN
ejif-922	48	66	of	of	ADP
ejif-922	48	67	islamicbanks	islamicbank	NOUN
ejif-922	48	68	is	be	AUX
ejif-922	48	69	more	more	ADV
ejif-922	48	70	efficient	efficient	ADJ
ejif-922	48	71	in	in	ADP
ejif-922	48	72	the	the	DET
ejif-922	48	73	competitive	competitive	ADJ
ejif-922	48	74	environment	environment	NOUN
ejif-922	48	75	in	in	ADP
ejif-922	48	76	comparison	comparison	NOUN
ejif-922	48	77	with	with	ADP
ejif-922	48	78	itscompetitors	itscompetitor	NOUN
ejif-922	48	79	.	.	PUNCT
ejif-922	49	1	the	the	DET
ejif-922	49	2	result	result	NOUN
ejif-922	49	3	differ	differ	VERB
ejif-922	49	4	significantly	significantly	ADV
ejif-922	49	5	in	in	ADP
ejif-922	49	6	different	different	ADJ
ejif-922	49	7	studies	study	NOUN
ejif-922	49	8	due	due	ADP
ejif-922	49	9	to	to	ADP
ejif-922	49	10	the	the	DET
ejif-922	49	11	variation	variation	NOUN
ejif-922	49	12	in	in	ADP
ejif-922	49	13	the	the	DET
ejif-922	49	14	data	datum	NOUN
ejif-922	49	15	and	and	CCONJ
ejif-922	49	16	environment	environment	NOUN
ejif-922	49	17	used	use	VERB
ejif-922	49	18	in	in	ADP
ejif-922	49	19	the	the	DET
ejif-922	49	20	analysis	analysis	NOUN
ejif-922	49	21	.	.	PUNCT
ejif-922	50	1	even	even	ADV
ejif-922	50	2	though	though	SCONJ
ejif-922	50	3	there	there	PRON
ejif-922	50	4	are	be	VERB
ejif-922	50	5	numerous	numerous	ADJ
ejif-922	50	6	factors	factor	NOUN
ejif-922	50	7	affect	affect	VERB
ejif-922	50	8	the	the	DET
ejif-922	50	9	profitability	profitability	NOUN
ejif-922	50	10	which	which	PRON
ejif-922	50	11	acknowledged	acknowledge	VERB
ejif-922	50	12	by	by	ADP
ejif-922	50	13	the	the	DET
ejif-922	50	14	researchers	researcher	NOUN
ejif-922	50	15	.	.	PUNCT
ejif-922	51	1	previous	previous	ADJ
ejif-922	51	2	studies	study	NOUN
ejif-922	51	3	remain	remain	VERB
ejif-922	51	4	in	in	ADP
ejif-922	51	5	focus	focus	NOUN
ejif-922	51	6	for	for	ADP
ejif-922	51	7	the	the	DET
ejif-922	51	8	continuation	continuation	NOUN
ejif-922	51	9	of	of	ADP
ejif-922	51	10	this	this	DET
ejif-922	51	11	study	study	NOUN
ejif-922	51	12	but	but	CCONJ
ejif-922	51	13	differ	differ	VERB
ejif-922	51	14	from	from	ADP
ejif-922	51	15	many	many	ADJ
ejif-922	51	16	aspects	aspect	NOUN
ejif-922	51	17	.	.	PUNCT
ejif-922	52	1	the	the	DET
ejif-922	52	2	study	study	NOUN
ejif-922	52	3	differs	differ	VERB
ejif-922	52	4	because	because	SCONJ
ejif-922	52	5	of	of	ADP
ejif-922	52	6	time	time	NOUN
ejif-922	52	7	of	of	ADP
ejif-922	52	8	the	the	DET
ejif-922	52	9	study	study	NOUN
ejif-922	52	10	and	and	CCONJ
ejif-922	52	11	the	the	DET
ejif-922	52	12	used	use	VERB
ejif-922	52	13	variables	variable	NOUN
ejif-922	52	14	in	in	ADP
ejif-922	52	15	the	the	DET
ejif-922	52	16	model	model	NOUN
ejif-922	52	17	of	of	ADP
ejif-922	52	18	study	study	NOUN
ejif-922	52	19	and	and	CCONJ
ejif-922	52	20	the	the	DET
ejif-922	52	21	study	study	NOUN
ejif-922	52	22	population	population	NOUN
ejif-922	52	23	.	.	PUNCT
ejif-922	53	1	so	so	ADV
ejif-922	53	2	as	as	ADV
ejif-922	53	3	far	far	ADV
ejif-922	53	4	as	as	ADP
ejif-922	53	5	the	the	DET
ejif-922	53	6	study	study	NOUN
ejif-922	53	7	concern	concern	NOUN
ejif-922	53	8	,	,	PUNCT
ejif-922	53	9	this	this	PRON
ejif-922	53	10	is	be	AUX
ejif-922	53	11	the	the	DET
ejif-922	53	12	first	first	ADJ
ejif-922	53	13	study	study	NOUN
ejif-922	53	14	in	in	ADP
ejif-922	53	15	its	its	PRON
ejif-922	53	16	kind	kind	NOUN
ejif-922	53	17	in	in	ADP
ejif-922	53	18	the	the	DET
ejif-922	53	19	selected	select	VERB
ejif-922	53	20	countries	country	NOUN
ejif-922	53	21	and	and	CCONJ
ejif-922	53	22	region	region	NOUN
ejif-922	53	23	.	.	PUNCT
ejif-922	54	1	iv	iv	X
ejif-922	54	2	.	.	PUNCT
ejif-922	55	1	islamic	islamic	ADJ
ejif-922	55	2	banking	banking	NOUN
ejif-922	55	3	industry	industry	NOUN
ejif-922	55	4	in	in	ADP
ejif-922	55	5	malaysia	malaysia	PROPN
ejif-922	55	6	:	:	PUNCT
ejif-922	55	7	in	in	ADP
ejif-922	55	8	malaysia	malaysia	PROPN
ejif-922	55	9	,	,	PUNCT
ejif-922	55	10	the	the	DET
ejif-922	55	11	first	first	ADJ
ejif-922	55	12	islamic	islamic	PROPN
ejif-922	55	13	bank	bank	PROPN
ejif-922	55	14	,	,	PUNCT
ejif-922	55	15	bank	bank	PROPN
ejif-922	55	16	islam	islam	PROPN
ejif-922	55	17	malaysia	malaysia	PROPN
ejif-922	55	18	berhad	berhad	PROPN
ejif-922	55	19	(	(	PUNCT
ejif-922	55	20	bimb	bimb	PROPN
ejif-922	55	21	)	)	PUNCT
ejif-922	55	22	,	,	PUNCT
ejif-922	55	23	operated	operate	VERB
ejif-922	55	24	as	as	ADP
ejif-922	55	25	the	the	DET
ejif-922	55	26	only	only	ADJ
ejif-922	55	27	islamic	islamic	PROPN
ejif-922	55	28	bank	bank	PROPN
ejif-922	55	29	for	for	ADP
ejif-922	55	30	10	10	NUM
ejif-922	55	31	years	year	NOUN
ejif-922	55	32	since	since	SCONJ
ejif-922	55	33	july	july	PROPN
ejif-922	55	34	1983	1983	NUM
ejif-922	55	35	before	before	SCONJ
ejif-922	55	36	the	the	DET
ejif-922	55	37	government	government	NOUN
ejif-922	55	38	allowed	allow	VERB
ejif-922	55	39	other	other	ADJ
ejif-922	55	40	conventional	conventional	ADJ
ejif-922	55	41	banks	bank	NOUN
ejif-922	55	42	to	to	PART
ejif-922	55	43	offer	offer	VERB
ejif-922	55	44	islamic	islamic	ADJ
ejif-922	55	45	banking	banking	NOUN
ejif-922	55	46	services	service	NOUN
ejif-922	55	47	using	use	VERB
ejif-922	55	48	their	their	PRON
ejif-922	55	49	existing	exist	VERB
ejif-922	55	50	infrastructure	infrastructure	NOUN
ejif-922	55	51	and	and	CCONJ
ejif-922	55	52	branches	branch	NOUN
ejif-922	55	53	in	in	ADP
ejif-922	55	54	1993	1993	NUM
ejif-922	56	1	[	[	X
ejif-922	56	2	bank	bank	NOUN
ejif-922	56	3	negara	negara	PROPN
ejif-922	56	4	malaysia	malaysia	PROPN
ejif-922	56	5	(	(	PUNCT
ejif-922	56	6	bnm	bnm	PROPN
ejif-922	56	7	)	)	PUNCT
ejif-922	56	8	,	,	PUNCT
ejif-922	56	9	1994	1994	NUM
ejif-922	56	10	and	and	CCONJ
ejif-922	56	11	1999	1999	NUM
ejif-922	56	12	]	]	PUNCT
ejif-922	56	13	.	.	PUNCT
ejif-922	57	1	the	the	DET
ejif-922	57	2	history	history	NOUN
ejif-922	57	3	of	of	ADP
ejif-922	57	4	islamic	islamic	ADJ
ejif-922	57	5	banking	banking	NOUN
ejif-922	57	6	in	in	ADP
ejif-922	57	7	malaysia	malaysia	PROPN
ejif-922	57	8	can	can	AUX
ejif-922	57	9	be	be	AUX
ejif-922	57	10	traced	trace	VERB
ejif-922	57	11	back	back	ADV
ejif-922	57	12	to	to	ADP
ejif-922	57	13	1963	1963	NUM
ejif-922	57	14	when	when	SCONJ
ejif-922	57	15	tabunghaji	tabunghaji	PROPN
ejif-922	57	16	(	(	PUNCT
ejif-922	57	17	the	the	DET
ejif-922	57	18	pilgrims	pilgrims	PROPN
ejif-922	57	19	management	management	NOUN
ejif-922	57	20	and	and	CCONJ
ejif-922	57	21	fund	fund	NOUN
ejif-922	57	22	board	board	PROPN
ejif-922	57	23	)	)	PUNCT
ejif-922	57	24	was	be	AUX
ejif-922	57	25	ejif	ejif	PROPN
ejif-922	57	26	–	–	PUNCT
ejif-922	57	27	european	european	ADJ
ejif-922	57	28	journal	journal	PROPN
ejif-922	57	29	of	of	ADP
ejif-922	57	30	islamic	islamic	PROPN
ejif-922	57	31	finance	finance	NOUN
ejif-922	57	32	no2	no2	PROPN
ejif-922	57	33	,	,	PUNCT
ejif-922	57	34	april	april	PROPN
ejif-922	57	35	(	(	PUNCT
ejif-922	57	36	2015	2015	NUM
ejif-922	57	37	)	)	PUNCT
ejif-922	58	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	58	2	issn	issn	VERB
ejif-922	58	3	2421	2421	NUM
ejif-922	58	4	-	-	SYM
ejif-922	58	5	2172	2172	NUM
ejif-922	58	6	3	3	NUM
ejif-922	58	7	established	establish	VERB
ejif-922	58	8	by	by	ADP
ejif-922	58	9	the	the	DET
ejif-922	58	10	government	government	NOUN
ejif-922	58	11	.	.	PUNCT
ejif-922	59	1	it	it	PRON
ejif-922	59	2	is	be	AUX
ejif-922	59	3	a	a	DET
ejif-922	59	4	specialized	specialized	ADJ
ejif-922	59	5	financial	financial	ADJ
ejif-922	59	6	institution	institution	NOUN
ejif-922	59	7	that	that	PRON
ejif-922	59	8	provides	provide	VERB
ejif-922	59	9	a	a	DET
ejif-922	59	10	systematic	systematic	ADJ
ejif-922	59	11	mobilization	mobilization	NOUN
ejif-922	59	12	of	of	ADP
ejif-922	59	13	funds	fund	NOUN
ejif-922	59	14	from	from	ADP
ejif-922	59	15	muslims	muslims	PROPN
ejif-922	59	16	to	to	PART
ejif-922	59	17	assist	assist	VERB
ejif-922	59	18	them	they	PRON
ejif-922	59	19	perform	perform	VERB
ejif-922	59	20	pilgrimage	pilgrimage	NOUN
ejif-922	59	21	in	in	ADP
ejif-922	59	22	makkah	makkah	PROPN
ejif-922	59	23	as	as	ADV
ejif-922	59	24	well	well	ADV
ejif-922	59	25	as	as	ADP
ejif-922	59	26	encourages	encourage	VERB
ejif-922	59	27	them	they	PRON
ejif-922	59	28	to	to	PART
ejif-922	59	29	participate	participate	VERB
ejif-922	59	30	in	in	ADP
ejif-922	59	31	table1	table1	PROPN
ejif-922	59	32	:	:	PUNCT
ejif-922	59	33	status	status	NOUN
ejif-922	59	34	of	of	ADP
ejif-922	59	35	islamic	islamic	ADJ
ejif-922	59	36	banks	bank	NOUN
ejif-922	59	37	in	in	ADP
ejif-922	59	38	malaysia	malaysia	PROPN
ejif-922	59	39	(	(	PUNCT
ejif-922	59	40	source	source	NOUN
ejif-922	59	41	:	:	PUNCT
ejif-922	59	42	bank	bank	NOUN
ejif-922	59	43	scope	scope	NOUN
ejif-922	59	44	database	database	NOUN
ejif-922	59	45	)	)	PUNCT
ejif-922	59	46	investmentopportunities	investmentopportunitie	NOUN
ejif-922	59	47	and	and	CCONJ
ejif-922	59	48	economic	economic	ADJ
ejif-922	59	49	activities	activity	NOUN
ejif-922	59	50	.	.	PUNCT
ejif-922	60	1	in	in	ADP
ejif-922	60	2	fact	fact	NOUN
ejif-922	60	3	,	,	PUNCT
ejif-922	60	4	due	due	ADP
ejif-922	60	5	to	to	ADP
ejif-922	60	6	its	its	PRON
ejif-922	60	7	uniqueness	uniqueness	NOUN
ejif-922	60	8	,	,	PUNCT
ejif-922	60	9	tabunghaji	tabunghaji	PROPN
ejif-922	60	10	is	be	AUX
ejif-922	60	11	considered	consider	VERB
ejif-922	60	12	to	to	PART
ejif-922	60	13	be	be	AUX
ejif-922	60	14	the	the	DET
ejif-922	60	15	first	first	ADJ
ejif-922	60	16	of	of	ADP
ejif-922	60	17	its	its	PRON
ejif-922	60	18	kind	kind	NOUN
ejif-922	60	19	in	in	ADP
ejif-922	60	20	the	the	DET
ejif-922	60	21	world	world	NOUN
ejif-922	60	22	(	(	PUNCT
ejif-922	60	23	mohammed	mohammed	PROPN
ejif-922	60	24	seidu	seidu	PROPN
ejif-922	60	25	,	,	PUNCT
ejif-922	60	26	2002	2002	NUM
ejif-922	60	27	)	)	PUNCT
ejif-922	60	28	.	.	PUNCT
ejif-922	61	1	based	base	VERB
ejif-922	61	2	on	on	ADP
ejif-922	61	3	the	the	DET
ejif-922	61	4	experience	experience	NOUN
ejif-922	61	5	of	of	ADP
ejif-922	61	6	tabunghaji	tabunghaji	NOUN
ejif-922	61	7	,	,	PUNCT
ejif-922	61	8	the	the	DET
ejif-922	61	9	government	government	NOUN
ejif-922	61	10	of	of	ADP
ejif-922	61	11	malaysia	malaysia	PROPN
ejif-922	61	12	then	then	ADV
ejif-922	61	13	introduced	introduce	VERB
ejif-922	61	14	a	a	DET
ejif-922	61	15	well	well	ADV
ejif-922	61	16	-	-	PUNCT
ejif-922	61	17	coordinated	coordinate	VERB
ejif-922	61	18	and	and	CCONJ
ejif-922	61	19	systematic	systematic	ADJ
ejif-922	61	20	process	process	NOUN
ejif-922	61	21	of	of	ADP
ejif-922	61	22	implementing	implement	VERB
ejif-922	61	23	the	the	DET
ejif-922	61	24	islamic	islamic	ADJ
ejif-922	61	25	financial	financial	ADJ
ejif-922	61	26	system	system	NOUN
ejif-922	61	27	.	.	PUNCT
ejif-922	62	1	the	the	DET
ejif-922	62	2	process	process	NOUN
ejif-922	62	3	can	can	AUX
ejif-922	62	4	be	be	AUX
ejif-922	62	5	divided	divide	VERB
ejif-922	62	6	into	into	ADP
ejif-922	62	7	three	three	NUM
ejif-922	62	8	phases	phase	NOUN
ejif-922	62	9	.	.	PUNCT
ejif-922	63	1	the	the	DET
ejif-922	63	2	first	first	ADJ
ejif-922	63	3	phase	phase	NOUN
ejif-922	63	4	is	be	AUX
ejif-922	63	5	considered	consider	VERB
ejif-922	63	6	as	as	ADP
ejif-922	63	7	the	the	DET
ejif-922	63	8	period	period	NOUN
ejif-922	63	9	of	of	ADP
ejif-922	63	10	familiarization	familiarization	NOUN
ejif-922	63	11	(	(	PUNCT
ejif-922	63	12	1983	1983	NUM
ejif-922	63	13	-	-	SYM
ejif-922	63	14	1992	1992	NUM
ejif-922	63	15	)	)	PUNCT
ejif-922	63	16	when	when	SCONJ
ejif-922	63	17	bimb	bimb	NOUN
ejif-922	63	18	was	be	AUX
ejif-922	63	19	established	establish	VERB
ejif-922	63	20	and	and	CCONJ
ejif-922	63	21	the	the	DET
ejif-922	63	22	islamic	islamic	ADJ
ejif-922	63	23	banking	banking	NOUN
ejif-922	63	24	operations	operation	NOUN
ejif-922	63	25	were	be	AUX
ejif-922	63	26	initiated	initiate	VERB
ejif-922	63	27	in	in	ADP
ejif-922	63	28	accordance	accordance	NOUN
ejif-922	63	29	with	with	ADP
ejif-922	63	30	shariah	shariah	PROPN
ejif-922	63	31	principles	principle	NOUN
ejif-922	63	32	,	,	PUNCT
ejif-922	63	33	and	and	CCONJ
ejif-922	63	34	is	be	AUX
ejif-922	63	35	also	also	ADV
ejif-922	63	36	the	the	DET
ejif-922	63	37	period	period	NOUN
ejif-922	63	38	when	when	SCONJ
ejif-922	63	39	islamic	islamic	PROPN
ejif-922	63	40	banking	banking	PROPN
ejif-922	63	41	act	act	PROPN
ejif-922	63	42	(	(	PUNCT
ejif-922	63	43	iba	iba	PROPN
ejif-922	63	44	)	)	PUNCT
ejif-922	63	45	was	be	AUX
ejif-922	63	46	officially	officially	ADV
ejif-922	63	47	enacted	enact	VERB
ejif-922	63	48	.	.	PUNCT
ejif-922	64	1	the	the	DET
ejif-922	64	2	second	second	ADJ
ejif-922	64	3	phase	phase	NOUN
ejif-922	64	4	,	,	PUNCT
ejif-922	64	5	from	from	ADP
ejif-922	64	6	1993	1993	NUM
ejif-922	64	7	to	to	ADP
ejif-922	64	8	2003	2003	NUM
ejif-922	64	9	,	,	PUNCT
ejif-922	64	10	was	be	AUX
ejif-922	64	11	aimed	aim	VERB
ejif-922	64	12	at	at	ADP
ejif-922	64	13	creating	create	VERB
ejif-922	64	14	a	a	DET
ejif-922	64	15	more	more	ADV
ejif-922	64	16	conducive	conducive	ADJ
ejif-922	64	17	environment	environment	NOUN
ejif-922	64	18	for	for	ADP
ejif-922	64	19	competition	competition	NOUN
ejif-922	64	20	among	among	ADP
ejif-922	64	21	the	the	DET
ejif-922	64	22	banks	bank	NOUN
ejif-922	64	23	.	.	PUNCT
ejif-922	65	1	the	the	DET
ejif-922	65	2	third	third	ADJ
ejif-922	65	3	phase	phase	NOUN
ejif-922	65	4	that	that	PRON
ejif-922	65	5	commenced	commence	VERB
ejif-922	65	6	from	from	ADP
ejif-922	65	7	2004	2004	NUM
ejif-922	65	8	was	be	AUX
ejif-922	65	9	the	the	DET
ejif-922	65	10	period	period	NOUN
ejif-922	65	11	of	of	ADP
ejif-922	65	12	further	further	ADJ
ejif-922	65	13	financial	financial	ADJ
ejif-922	65	14	liberalization	liberalization	NOUN
ejif-922	65	15	(	(	PUNCT
ejif-922	65	16	bnm	bnm	PROPN
ejif-922	65	17	,	,	PUNCT
ejif-922	65	18	2004	2004	NUM
ejif-922	65	19	)	)	PUNCT
ejif-922	65	20	.	.	PUNCT
ejif-922	66	1	during	during	ADP
ejif-922	66	2	that	that	DET
ejif-922	66	3	period	period	NOUN
ejif-922	66	4	,	,	PUNCT
ejif-922	66	5	the	the	DET
ejif-922	66	6	central	central	ADJ
ejif-922	66	7	bank	bank	NOUN
ejif-922	66	8	paved	pave	VERB
ejif-922	66	9	the	the	DET
ejif-922	66	10	way	way	NOUN
ejif-922	66	11	for	for	SCONJ
ejif-922	66	12	new	new	ADJ
ejif-922	66	13	foreign	foreign	ADJ
ejif-922	66	14	islamic	islamic	ADJ
ejif-922	66	15	banks	bank	NOUN
ejif-922	66	16	to	to	PART
ejif-922	66	17	operate	operate	VERB
ejif-922	66	18	in	in	ADP
ejif-922	66	19	malaysia	malaysia	NOUN
ejif-922	66	20	by	by	ADP
ejif-922	66	21	issuing	issue	VERB
ejif-922	66	22	licenses	license	NOUN
ejif-922	66	23	.	.	PUNCT
ejif-922	67	1	the	the	DET
ejif-922	67	2	brief	brief	ADJ
ejif-922	67	3	status	status	NOUN
ejif-922	67	4	of	of	ADP
ejif-922	67	5	all	all	DET
ejif-922	67	6	islamic	islamic	ADJ
ejif-922	67	7	banks	bank	NOUN
ejif-922	67	8	is	be	AUX
ejif-922	67	9	given	give	VERB
ejif-922	67	10	below	below	ADV
ejif-922	67	11	:	:	PUNCT
ejif-922	67	12	v.	v.	ADP
ejif-922	67	13	methodlogy	methodlogy	PROPN
ejif-922	67	14	a.	a.	PROPN
ejif-922	67	15	data	data	PROPN
ejif-922	67	16	collection	collection	NOUN
ejif-922	67	17	:	:	PUNCT
ejif-922	67	18	to	to	PART
ejif-922	67	19	conduct	conduct	VERB
ejif-922	67	20	this	this	DET
ejif-922	67	21	research	research	NOUN
ejif-922	67	22	work	work	NOUN
ejif-922	67	23	,	,	PUNCT
ejif-922	67	24	we	we	PRON
ejif-922	67	25	collect	collect	VERB
ejif-922	67	26	the	the	DET
ejif-922	67	27	bank	bank	NOUN
ejif-922	67	28	specific	specific	ADJ
ejif-922	67	29	variables	variable	NOUN
ejif-922	67	30	of	of	ADP
ejif-922	67	31	11	11	NUM
ejif-922	67	32	islamic	islamic	ADJ
ejif-922	67	33	banks	bank	NOUN
ejif-922	67	34	operating	operate	VERB
ejif-922	67	35	in	in	ADP
ejif-922	67	36	malaysia	malaysia	PROPN
ejif-922	67	37	for	for	ADP
ejif-922	67	38	year	year	NOUN
ejif-922	67	39	2007	2007	NUM
ejif-922	67	40	-	-	SYM
ejif-922	67	41	2013	2013	NUM
ejif-922	67	42	from	from	ADP
ejif-922	67	43	bankscope	bankscope	NOUN
ejif-922	67	44	database	database	NOUN
ejif-922	67	45	of	of	ADP
ejif-922	67	46	bureau	bureau	PROPN
ejif-922	67	47	van	van	PROPN
ejif-922	67	48	dijk	dijk	PROPN
ejif-922	67	49	company	company	NOUN
ejif-922	67	50	by	by	ADP
ejif-922	67	51	using	use	VERB
ejif-922	67	52	random	random	ADJ
ejif-922	67	53	sampling	sampling	NOUN
ejif-922	67	54	method	method	NOUN
ejif-922	67	55	.	.	PUNCT
ejif-922	68	1	meanwhile	meanwhile	ADV
ejif-922	68	2	,	,	PUNCT
ejif-922	68	3	the	the	DET
ejif-922	68	4	industry	industry	NOUN
ejif-922	68	5	and	and	CCONJ
ejif-922	68	6	macroeconomic	macroeconomic	ADJ
ejif-922	68	7	variables	variable	NOUN
ejif-922	68	8	data	datum	NOUN
ejif-922	68	9	of	of	ADP
ejif-922	68	10	corresponding	correspond	VERB
ejif-922	68	11	countries	country	NOUN
ejif-922	68	12	have	have	AUX
ejif-922	68	13	been	be	AUX
ejif-922	68	14	collected	collect	VERB
ejif-922	68	15	from	from	ADP
ejif-922	68	16	world	world	PROPN
ejif-922	68	17	bank	bank	PROPN
ejif-922	68	18	and	and	CCONJ
ejif-922	68	19	imf	imf	PROPN
ejif-922	68	20	financial	financial	ADJ
ejif-922	68	21	statistics	statistic	NOUN
ejif-922	68	22	(	(	PUNCT
ejif-922	68	23	ifs	ifs	PROPN
ejif-922	68	24	)	)	PUNCT
ejif-922	68	25	database	database	NOUN
ejif-922	68	26	.	.	PUNCT
ejif-922	69	1	the	the	DET
ejif-922	69	2	following	follow	VERB
ejif-922	69	3	equations	equation	NOUN
ejif-922	69	4	are	be	AUX
ejif-922	69	5	used	use	VERB
ejif-922	69	6	for	for	ADP
ejif-922	69	7	the	the	DET
ejif-922	69	8	purpose	purpose	NOUN
ejif-922	69	9	of	of	ADP
ejif-922	69	10	the	the	DET
ejif-922	69	11	study	study	NOUN
ejif-922	69	12	and	and	CCONJ
ejif-922	69	13	estimated	estimate	VERB
ejif-922	69	14	based	base	VERB
ejif-922	69	15	on	on	ADP
ejif-922	69	16	„	„	PUNCT
ejif-922	69	17	pooled	pool	VERB
ejif-922	69	18	ordinary	ordinary	ADJ
ejif-922	69	19	least	least	ADJ
ejif-922	69	20	square	square	ADJ
ejif-922	69	21	method	method	NOUN
ejif-922	69	22	.	.	PUNCT
ejif-922	70	1	no	no	INTJ
ejif-922	70	2	.	.	PUNCT
ejif-922	71	1	name	name	PROPN
ejif-922	71	2	year	year	NOUN
ejif-922	71	3	of	of	ADP
ejif-922	71	4	establishment	establishment	NOUN
ejif-922	71	5	1	1	NUM
ejif-922	71	6	affin	affin	PROPN
ejif-922	71	7	islamic	islamic	PROPN
ejif-922	71	8	bank	bank	PROPN
ejif-922	71	9	berhad	berhad	VERB
ejif-922	71	10	2006	2006	NUM
ejif-922	71	11	2	2	NUM
ejif-922	71	12	al	al	PROPN
ejif-922	71	13	rajhi	rajhi	PROPN
ejif-922	71	14	banking	banking	PROPN
ejif-922	71	15	&	&	CCONJ
ejif-922	71	16	investment	investment	PROPN
ejif-922	71	17	corporation	corporation	NOUN
ejif-922	71	18	(	(	PUNCT
ejif-922	71	19	malaysia	malaysia	PROPN
ejif-922	71	20	)	)	PUNCT
ejif-922	71	21	berhad	berhad	VERB
ejif-922	71	22	2006	2006	NUM
ejif-922	71	23	3	3	NUM
ejif-922	71	24	bank	bank	NOUN
ejif-922	71	25	islam	islam	PROPN
ejif-922	71	26	malaysia	malaysia	PROPN
ejif-922	71	27	berhad	berhad	PROPN
ejif-922	71	28	1983	1983	NUM
ejif-922	71	29	4	4	NUM
ejif-922	71	30	bank	bank	NOUN
ejif-922	71	31	muamalat	muamalat	NOUN
ejif-922	71	32	malaysia	malaysia	PROPN
ejif-922	71	33	berhad	berhad	PROPN
ejif-922	71	34	1999	1999	NUM
ejif-922	71	35	5	5	NUM
ejif-922	71	36	cimb	cimb	PROPN
ejif-922	71	37	islamic	islamic	PROPN
ejif-922	71	38	bank	bank	PROPN
ejif-922	71	39	berhad	berhad	VERB
ejif-922	71	40	2005	2005	NUM
ejif-922	71	41	6	6	NUM
ejif-922	71	42	hong	hong	PROPN
ejif-922	71	43	leong	leong	PROPN
ejif-922	71	44	islamic	islamic	PROPN
ejif-922	71	45	bank	bank	PROPN
ejif-922	71	46	berhad	berhad	VERB
ejif-922	71	47	2005	2005	NUM
ejif-922	71	48	7	7	NUM
ejif-922	71	49	kuwait	kuwait	PROPN
ejif-922	71	50	finance	finance	PROPN
ejif-922	71	51	house	house	PROPN
ejif-922	71	52	(	(	PUNCT
ejif-922	71	53	malaysia	malaysia	PROPN
ejif-922	71	54	)	)	PUNCT
ejif-922	71	55	berhad	berhad	VERB
ejif-922	71	56	2005	2005	NUM
ejif-922	71	57	8	8	NUM
ejif-922	71	58	maybank	maybank	PROPN
ejif-922	71	59	islamic	islamic	PROPN
ejif-922	71	60	berhad	berhad	PROPN
ejif-922	71	61	2007	2007	NUM
ejif-922	71	62	9	9	NUM
ejif-922	71	63	ocbc	ocbc	PROPN
ejif-922	71	64	al	al	PROPN
ejif-922	71	65	-	-	PUNCT
ejif-922	71	66	amin	amin	PROPN
ejif-922	71	67	bank	bank	PROPN
ejif-922	71	68	berhad	berhad	PROPN
ejif-922	71	69	2008	2008	NUM
ejif-922	71	70	10	10	NUM
ejif-922	71	71	rhb	rhb	PROPN
ejif-922	71	72	islamic	islamic	PROPN
ejif-922	71	73	bank	bank	PROPN
ejif-922	71	74	berhad	berhad	VERB
ejif-922	71	75	2005	2005	NUM
ejif-922	71	76	11	11	NUM
ejif-922	71	77	standard	standard	PROPN
ejif-922	71	78	chartered	chartered	PROPN
ejif-922	71	79	saadiq	saadiq	PROPN
ejif-922	71	80	berhad	berhad	PROPN
ejif-922	71	81	2008	2008	NUM
ejif-922	71	82	table	table	NOUN
ejif-922	71	83	2	2	NUM
ejif-922	71	84	:	:	PUNCT
ejif-922	71	85	list	list	NOUN
ejif-922	71	86	of	of	ADP
ejif-922	71	87	the	the	DET
ejif-922	71	88	malaysian	malaysian	ADJ
ejif-922	71	89	islamic	islamic	ADJ
ejif-922	71	90	banks	bank	NOUN
ejif-922	71	91	included	include	VERB
ejif-922	71	92	in	in	ADP
ejif-922	71	93	the	the	DET
ejif-922	71	94	data	data	PROPN
ejif-922	71	95	sample	sample	PROPN
ejif-922	71	96	bank	bank	PROPN
ejif-922	71	97	name	name	NOUN
ejif-922	71	98	country	country	NOUN
ejif-922	71	99	rank	rank	VERB
ejif-922	71	100	by	by	ADP
ejif-922	71	101	assets	asset	NOUN
ejif-922	71	102	world	world	NOUN
ejif-922	71	103	rank	rank	VERB
ejif-922	71	104	by	by	ADP
ejif-922	71	105	assets	asset	NOUN
ejif-922	71	106	,	,	PUNCT
ejif-922	72	1	total	total	ADJ
ejif-922	72	2	assets	asset	NOUN
ejif-922	72	3	mil	mil	INTJ
ejif-922	72	4	usd	usd	NOUN
ejif-922	72	5	2013	2013	NUM
ejif-922	72	6	total	total	ADJ
ejif-922	72	7	assets	asset	NOUN
ejif-922	72	8	mil	mil	NOUN
ejif-922	72	9	usd	usd	PROPN
ejif-922	72	10	2012	2012	NUM
ejif-922	72	11	total	total	ADJ
ejif-922	72	12	assets	asset	NOUN
ejif-922	72	13	mil	mil	INTJ
ejif-922	72	14	usd	usd	NOUN
ejif-922	72	15	2011	2011	NUM
ejif-922	72	16	1	1	NUM
ejif-922	72	17	.	.	PUNCT
ejif-922	72	18	maybank	maybank	PROPN
ejif-922	72	19	islamic	islamic	PROPN
ejif-922	72	20	berhad	berhad	PROPN
ejif-922	72	21	6	6	NUM
ejif-922	72	22	539	539	NUM
ejif-922	72	23	38,110	38,110	NUM
ejif-922	72	24	29,896	29,896	NUM
ejif-922	72	25	23,769	23,769	NUM
ejif-922	72	26	2	2	NUM
ejif-922	72	27	.	.	PUNCT
ejif-922	73	1	cimb	cimb	PROPN
ejif-922	73	2	islamic	islamic	PROPN
ejif-922	73	3	bank	bank	PROPN
ejif-922	73	4	berhad	berhad	VERB
ejif-922	73	5	16	16	NUM
ejif-922	73	6	1065	1065	NUM
ejif-922	73	7	15,061	15,061	NUM
ejif-922	73	8	16,750	16,750	NUM
ejif-922	73	9	13,567	13,567	NUM
ejif-922	73	10	3	3	NUM
ejif-922	73	11	.	.	PUNCT
ejif-922	74	1	bank	bank	PROPN
ejif-922	74	2	islam	islam	PROPN
ejif-922	74	3	malaysia	malaysia	PROPN
ejif-922	74	4	berhad	berhad	PROPN
ejif-922	74	5	18	18	NUM
ejif-922	74	6	1178	1178	NUM
ejif-922	74	7	13,046	13,046	NUM
ejif-922	74	8	12,237	12,237	NUM
ejif-922	74	9	10,138	10,138	NUM
ejif-922	74	10	4	4	NUM
ejif-922	74	11	.	.	PUNCT
ejif-922	74	12	amislamic	amislamic	PROPN
ejif-922	74	13	bank	bank	PROPN
ejif-922	74	14	berhad	berhad	VERB
ejif-922	74	15	20	20	NUM
ejif-922	74	16	1329	1329	NUM
ejif-922	74	17	10,773	10,773	NUM
ejif-922	74	18	10,525	10,525	NUM
ejif-922	74	19	8,321	8,321	NUM
ejif-922	74	20	5	5	NUM
ejif-922	74	21	.	.	PUNCT
ejif-922	75	1	public	public	PROPN
ejif-922	75	2	islamic	islamic	PROPN
ejif-922	75	3	bank	bank	PROPN
ejif-922	75	4	berhad	berhad	VERB
ejif-922	75	5	22	22	NUM
ejif-922	75	6	1351	1351	NUM
ejif-922	75	7	10,505	10,505	NUM
ejif-922	75	8	9,582	9,582	NUM
ejif-922	75	9	9,268	9,268	NUM
ejif-922	75	10	6	6	NUM
ejif-922	75	11	.	.	PUNCT
ejif-922	76	1	rhb	rhb	PROPN
ejif-922	76	2	islamic	islamic	PROPN
ejif-922	76	3	bank	bank	PROPN
ejif-922	76	4	berhad	berhad	VERB
ejif-922	76	5	23	23	NUM
ejif-922	76	6	1474	1474	NUM
ejif-922	76	7	8,877	8,877	NUM
ejif-922	76	8	8,374	8,374	NUM
ejif-922	76	9	7,129	7,129	NUM
ejif-922	76	10	7	7	NUM
ejif-922	76	11	.	.	PUNCT
ejif-922	77	1	hong	hong	PROPN
ejif-922	77	2	leong	leong	PROPN
ejif-922	77	3	islamic	islamic	PROPN
ejif-922	77	4	bank	bank	PROPN
ejif-922	77	5	berhad	berhad	VERB
ejif-922	77	6	24	24	NUM
ejif-922	77	7	1721	1721	NUM
ejif-922	77	8	6,836	6,836	NUM
ejif-922	77	9	6,858	6,858	NUM
ejif-922	77	10	n.a	n.a	PROPN
ejif-922	77	11	.	.	PROPN
ejif-922	77	12	8	8	NUM
ejif-922	77	13	.	.	PUNCT
ejif-922	78	1	bank	bank	NOUN
ejif-922	78	2	muamalat	muamalat	PROPN
ejif-922	78	3	malaysia	malaysia	PROPN
ejif-922	78	4	berhad	berhad	PROPN
ejif-922	78	5	25	25	NUM
ejif-922	78	6	1831	1831	NUM
ejif-922	78	7	6,138	6,138	NUM
ejif-922	78	8	6,823	6,823	NUM
ejif-922	78	9	6,683	6,683	NUM
ejif-922	78	10	9	9	NUM
ejif-922	78	11	.	.	PUNCT
ejif-922	79	1	hsbc	hsbc	PROPN
ejif-922	79	2	amanah	amanah	PROPN
ejif-922	79	3	malaysia	malaysia	PROPN
ejif-922	79	4	berhad	berhad	VERB
ejif-922	79	5	26	26	NUM
ejif-922	79	6	2185	2185	NUM
ejif-922	79	7	4,438	4,438	NUM
ejif-922	79	8	3,972	3,972	NUM
ejif-922	79	9	3,287	3,287	NUM
ejif-922	79	10	10	10	NUM
ejif-922	79	11	.	.	PUNCT
ejif-922	80	1	affin	affin	PROPN
ejif-922	80	2	islamic	islamic	PROPN
ejif-922	80	3	bank	bank	PROPN
ejif-922	80	4	berhad	berhad	VERB
ejif-922	80	5	31	31	NUM
ejif-922	80	6	2387	2387	NUM
ejif-922	80	7	3,758	3,758	NUM
ejif-922	80	8	3,834	3,834	NUM
ejif-922	80	9	3,315	3,315	NUM
ejif-922	80	10	11	11	NUM
ejif-922	80	11	.	.	PUNCT
ejif-922	81	1	ocbc	ocbc	PROPN
ejif-922	81	2	al	al	PROPN
ejif-922	81	3	-	-	PROPN
ejif-922	81	4	amin	amin	PROPN
ejif-922	81	5	bank	bank	PROPN
ejif-922	81	6	berhad	berhad	VERB
ejif-922	81	7	32	32	NUM
ejif-922	81	8	2652	2652	NUM
ejif-922	81	9	3,086	3,086	NUM
ejif-922	81	10	2,276	2,276	NUM
ejif-922	81	11	1,801	1,801	NUM
ejif-922	81	12	12	12	NUM
ejif-922	81	13	.	.	PUNCT
ejif-922	82	1	kuwait	kuwait	PROPN
ejif-922	82	2	finance	finance	PROPN
ejif-922	82	3	house	house	PROPN
ejif-922	82	4	(	(	PUNCT
ejif-922	82	5	malaysia	malaysia	PROPN
ejif-922	82	6	)	)	PUNCT
ejif-922	82	7	berhad	berhad	VERB
ejif-922	82	8	33	33	NUM
ejif-922	82	9	2752	2752	NUM
ejif-922	82	10	2,880	2,880	NUM
ejif-922	82	11	2,885	2,885	NUM
ejif-922	82	12	3,186	3,186	NUM
ejif-922	82	13	13	13	NUM
ejif-922	82	14	.	.	PUNCT
ejif-922	83	1	standard	standard	PROPN
ejif-922	83	2	chartered	chartered	PROPN
ejif-922	83	3	saadiqberhad	saadiqberhad	VERB
ejif-922	83	4	36	36	NUM
ejif-922	83	5	3003	3003	NUM
ejif-922	83	6	2,499	2,499	NUM
ejif-922	83	7	2,397	2,397	NUM
ejif-922	83	8	1,873	1,873	NUM
ejif-922	83	9	14	14	NUM
ejif-922	83	10	.	.	PUNCT
ejif-922	84	1	alliance	alliance	PROPN
ejif-922	84	2	islamic	islamic	PROPN
ejif-922	84	3	bank	bank	PROPN
ejif-922	84	4	berhad	berhad	VERB
ejif-922	84	5	38	38	NUM
ejif-922	84	6	3180	3180	NUM
ejif-922	84	7	2,261	2,261	NUM
ejif-922	84	8	2,210	2,210	NUM
ejif-922	84	9	2,134	2,134	NUM
ejif-922	84	10	15	15	NUM
ejif-922	84	11	.	.	PUNCT
ejif-922	85	1	al	al	PROPN
ejif-922	85	2	rajhi	rajhi	PROPN
ejif-922	85	3	banking	banking	PROPN
ejif-922	85	4	&	&	CCONJ
ejif-922	85	5	investment	investment	PROPN
ejif-922	85	6	corporation	corporation	NOUN
ejif-922	85	7	(	(	PUNCT
ejif-922	85	8	malaysia	malaysia	PROPN
ejif-922	85	9	)	)	PUNCT
ejif-922	85	10	berhad	berhad	VERB
ejif-922	85	11	39	39	NUM
ejif-922	85	12	3329	3329	NUM
ejif-922	85	13	2,058	2,058	NUM
ejif-922	85	14	2,245	2,245	NUM
ejif-922	85	15	1,930	1,930	NUM
ejif-922	85	16	16	16	NUM
ejif-922	85	17	.	.	PUNCT
ejif-922	86	1	asian	asian	PROPN
ejif-922	86	2	finance	finance	PROPN
ejif-922	86	3	bank	bank	PROPN
ejif-922	86	4	berhad	berhad	VERB
ejif-922	86	5	56	56	NUM
ejif-922	86	6	5177	5177	NUM
ejif-922	86	7	885	885	NUM
ejif-922	86	8	919	919	NUM
ejif-922	86	9	769	769	NUM
ejif-922	86	10	17	17	NUM
ejif-922	86	11	.	.	PUNCT
ejif-922	87	1	alkhair	alkhair	PROPN
ejif-922	87	2	international	international	PROPN
ejif-922	87	3	islamic	islamic	PROPN
ejif-922	87	4	bank	bank	PROPN
ejif-922	87	5	berhad	berhad	VERB
ejif-922	87	6	62	62	NUM
ejif-922	87	7	11549	11549	NUM
ejif-922	87	8	132	132	NUM
ejif-922	87	9	187	187	NUM
ejif-922	87	10	189	189	NUM
ejif-922	87	11	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_affinislamic&ac=80&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_affinislamic&ac=80&cat=islamic&type=ib&lang=en	PROPN
ejif-922	87	12	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rajhi&ac=82&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rajhi&ac=82&cat=islamic&type=ib&lang=en	NOUN
ejif-922	87	13	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rajhi&ac=82&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rajhi&ac=82&cat=islamic&type=ib&lang=en	X
ejif-922	87	14	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_islam&ac=26&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_islam&ac=26&cat=islamic&type=ib&lang=en	PROPN
ejif-922	87	15	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_muamalat&ac=27&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_muamalat&ac=27&cat=islamic&type=ib&lang=en	PROPN
ejif-922	87	16	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_cimbislamic&ac=76&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_cimbislamic&ac=76&cat=islamic&type=ib&lang=en	PROPN
ejif-922	87	17	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_hl&ac=77&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_hl&ac=77&cat=islamic&type=ib&lang=en	PROPN
ejif-922	87	18	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_kfh&ac=78&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_kfh&ac=78&cat=islamic&type=ib&lang=en	NUM
ejif-922	87	19	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_kfh&ac=78&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_kfh&ac=78&cat=islamic&type=ib&lang=en	NUM
ejif-922	87	20	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_maybankislamic&ac=88&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_maybankislamic&ac=88&cat=islamic&type=ib&lang=en	X
ejif-922	88	1	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_ocbcalamin&ac=95&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_ocbcalamin&ac=95&cat=islamic&type=ib&lang=en	NOUN
ejif-922	88	2	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rhbislamic&ac=75&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_rhbislamic&ac=75&cat=islamic&type=ib&lang=en	PROPN
ejif-922	88	3	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_stanchartsaadiq&ac=93&cat=islamic&type=ib&lang=en	http://www.bnm.gov.my/index.php?ch=li_islamic&pg=li_banking_stanchartsaadiq&ac=93&cat=islamic&type=ib&lang=en	PROPN
ejif-922	88	4	ejif	ejif	PROPN
ejif-922	88	5	–	–	PUNCT
ejif-922	88	6	european	european	PROPN
ejif-922	88	7	journal	journal	PROPN
ejif-922	88	8	of	of	ADP
ejif-922	88	9	islamic	islamic	PROPN
ejif-922	88	10	finance	finance	NOUN
ejif-922	88	11	no2	no2	PROPN
ejif-922	88	12	,	,	PUNCT
ejif-922	88	13	april	april	PROPN
ejif-922	88	14	(	(	PUNCT
ejif-922	88	15	2015	2015	NUM
ejif-922	88	16	)	)	PUNCT
ejif-922	89	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	89	2	issn	issn	VERB
ejif-922	89	3	2421	2421	NUM
ejif-922	89	4	-	-	SYM
ejif-922	89	5	2172	2172	NUM
ejif-922	89	6	4	4	NUM
ejif-922	89	7	b.	b.	NOUN
ejif-922	89	8	model	model	NOUN
ejif-922	89	9	specifications	specification	NOUN
ejif-922	89	10	:	:	PUNCT
ejif-922	89	11	the	the	DET
ejif-922	89	12	panel	panel	NOUN
ejif-922	89	13	data	datum	NOUN
ejif-922	89	14	is	be	AUX
ejif-922	89	15	used	use	VERB
ejif-922	89	16	in	in	ADP
ejif-922	89	17	analyzing	analyze	VERB
ejif-922	89	18	the	the	DET
ejif-922	89	19	bank‟s	bank‟s	ADJ
ejif-922	89	20	portability	portability	NOUN
ejif-922	89	21	determinants	determinant	NOUN
ejif-922	89	22	.	.	PUNCT
ejif-922	90	1	in	in	ADP
ejif-922	90	2	the	the	DET
ejif-922	90	3	panel	panel	NOUN
ejif-922	90	4	data	datum	NOUN
ejif-922	90	5	,	,	PUNCT
ejif-922	90	6	the	the	DET
ejif-922	90	7	used	use	VERB
ejif-922	90	8	model	model	NOUN
ejif-922	90	9	consists	consist	VERB
ejif-922	90	10	n	n	CCONJ
ejif-922	90	11	cross	cross	ADJ
ejif-922	90	12	-	-	ADJ
ejif-922	90	13	sectional	sectional	ADJ
ejif-922	90	14	units	unit	NOUN
ejif-922	90	15	,	,	PUNCT
ejif-922	90	16	denoted	denote	VERB
ejif-922	90	17	n=1	n=1	PROPN
ejif-922	90	18	,	,	PUNCT
ejif-922	90	19	...	...	PUNCT
ejif-922	90	20	,	,	PUNCT
ejif-922	90	21	n	n	CCONJ
ejif-922	90	22	,	,	PUNCT
ejif-922	90	23	observed	observe	VERB
ejif-922	90	24	at	at	ADP
ejif-922	90	25	each	each	PRON
ejif-922	90	26	of	of	ADP
ejif-922	90	27	t	t	PROPN
ejif-922	90	28	time	time	NOUN
ejif-922	90	29	periods	period	NOUN
ejif-922	90	30	,	,	PUNCT
ejif-922	90	31	t=1	t=1	ADV
ejif-922	90	32	,	,	PUNCT
ejif-922	90	33	...	...	PUNCT
ejif-922	90	34	,	,	PUNCT
ejif-922	90	35	t.	t.	PROPN
ejif-922	90	36	in	in	ADP
ejif-922	90	37	data	datum	NOUN
ejif-922	90	38	set	set	VERB
ejif-922	90	39	,	,	PUNCT
ejif-922	90	40	the	the	DET
ejif-922	90	41	total	total	ADJ
ejif-922	90	42	observation	observation	NOUN
ejif-922	90	43	is	be	AUX
ejif-922	90	44	n	n	PRON
ejif-922	90	45	×	×	NOUN
ejif-922	90	46	t.	t.	NOUN
ejif-922	90	47	the	the	DET
ejif-922	90	48	basic	basic	ADJ
ejif-922	90	49	framework	framework	NOUN
ejif-922	90	50	for	for	ADP
ejif-922	90	51	the	the	DET
ejif-922	90	52	panel	panel	NOUN
ejif-922	90	53	data	datum	NOUN
ejif-922	90	54	is	be	AUX
ejif-922	90	55	defined	define	VERB
ejif-922	90	56	as	as	ADP
ejif-922	90	57	per	per	ADP
ejif-922	90	58	the	the	DET
ejif-922	90	59	following	follow	VERB
ejif-922	90	60	regression	regression	NOUN
ejif-922	90	61	model	model	NOUN
ejif-922	90	62	:	:	PUNCT
ejif-922	90	63	ynt=	ynt=	PROPN
ejif-922	90	64	α+βxnt+	α+βxnt+	X
ejif-922	90	65	nt	not	PART
ejif-922	90	66	here	here	ADV
ejif-922	90	67	,	,	PUNCT
ejif-922	90	68	the	the	DET
ejif-922	90	69	functional	functional	ADJ
ejif-922	90	70	form	form	NOUN
ejif-922	90	71	of	of	ADP
ejif-922	90	72	profitability=	profitability=	NUM
ejif-922	90	73	f	f	NOUN
ejif-922	90	74	(	(	PUNCT
ejif-922	90	75	bank	bank	NOUN
ejif-922	90	76	specific	specific	ADJ
ejif-922	90	77	variables	variable	NOUN
ejif-922	90	78	,	,	PUNCT
ejif-922	90	79	macro	macro	ADJ
ejif-922	90	80	-	-	ADJ
ejif-922	90	81	economic	economic	ADJ
ejif-922	90	82	variables	variable	NOUN
ejif-922	90	83	)	)	PUNCT
ejif-922	90	84	econometric	econometric	ADJ
ejif-922	90	85	specifications	specification	NOUN
ejif-922	90	86	:	:	PUNCT
ejif-922	90	87	return	return	VERB
ejif-922	90	88	on	on	ADP
ejif-922	90	89	asset	asset	NOUN
ejif-922	90	90	(	(	PUNCT
ejif-922	90	91	roa	roa	NOUN
ejif-922	90	92	)	)	PUNCT
ejif-922	91	1	=	=	PROPN
ejif-922	91	2	α+β1	α+β1	PROPN
ejif-922	91	3	llp	llp	PROPN
ejif-922	91	4	/	/	SYM
ejif-922	91	5	tl	tl	PROPN
ejif-922	91	6	+	+	NOUN
ejif-922	91	7	β2eqass+β3nie	β2eqass+β3nie	NUM
ejif-922	91	8	/	/	SYM
ejif-922	91	9	ta	ta	X
ejif-922	92	1	+	+	ADJ
ejif-922	92	2	β4loans	β4loans	ADJ
ejif-922	92	3	/	/	SYM
ejif-922	92	4	ta+	ta+	ADJ
ejif-922	92	5	β5lngdpgr+β6	β5lngdpgr+β6	NOUN
ejif-922	92	6	infli+β7	infli+β7	PROPN
ejif-922	92	7	m2	m2	PROPN
ejif-922	92	8	+	+	PROPN
ejif-922	92	9	β8savings	β8saving	NOUN
ejif-922	92	10	to	to	PART
ejif-922	92	11	gni+	gni+	VERB
ejif-922	92	12	where	where	SCONJ
ejif-922	92	13	y	y	PROPN
ejif-922	92	14	represents	represent	VERB
ejif-922	92	15	the	the	DET
ejif-922	92	16	dependent	dependent	ADJ
ejif-922	92	17	variable	variable	NOUN
ejif-922	92	18	(	(	PUNCT
ejif-922	92	19	return	return	VERB
ejif-922	92	20	on	on	ADP
ejif-922	92	21	assets	asset	NOUN
ejif-922	92	22	(	(	PUNCT
ejif-922	92	23	roa	roa	NOUN
ejif-922	92	24	)	)	PUNCT
ejif-922	92	25	,	,	PUNCT
ejif-922	92	26	independent	independent	ADJ
ejif-922	92	27	variables	variable	NOUN
ejif-922	92	28	:	:	PUNCT
ejif-922	92	29	llp	llp	PROPN
ejif-922	92	30	/	/	SYM
ejif-922	92	31	tl	tl	PROPN
ejif-922	92	32	=	=	PUNCT
ejif-922	92	33	loan	loan	NOUN
ejif-922	92	34	loss	loss	NOUN
ejif-922	92	35	provisions	provision	NOUN
ejif-922	92	36	/	/	SYM
ejif-922	92	37	total	total	ADJ
ejif-922	92	38	assets	asset	NOUN
ejif-922	92	39	,	,	PUNCT
ejif-922	92	40	eqass	eqass	NOUN
ejif-922	92	41	=	=	SYM
ejif-922	92	42	equity	equity	NOUN
ejif-922	92	43	/	/	SYM
ejif-922	92	44	total	total	NOUN
ejif-922	92	45	assets	asset	NOUN
ejif-922	92	46	,	,	PUNCT
ejif-922	92	47	nie	nie	PROPN
ejif-922	92	48	/	/	SYM
ejif-922	92	49	ta	ta	PROPN
ejif-922	92	50	=	=	NOUN
ejif-922	92	51	noninterest	noninter	ADJ
ejif-922	92	52	expenses	expense	NOUN
ejif-922	92	53	/	/	SYM
ejif-922	92	54	total	total	ADJ
ejif-922	92	55	assets	asset	NOUN
ejif-922	92	56	reflects	reflect	VERB
ejif-922	92	57	the	the	DET
ejif-922	92	58	operation	operation	NOUN
ejif-922	92	59	function	function	NOUN
ejif-922	92	60	loan	loan	NOUN
ejif-922	92	61	/	/	SYM
ejif-922	92	62	ta=	ta=	PROPN
ejif-922	92	63	total	total	ADJ
ejif-922	92	64	loan	loan	NOUN
ejif-922	92	65	/	/	SYM
ejif-922	92	66	total	total	NOUN
ejif-922	92	67	asset	asset	NOUN
ejif-922	92	68	gdpgr	gdpgr	NOUN
ejif-922	92	69	=	=	PUNCT
ejif-922	92	70	annual	annual	ADJ
ejif-922	92	71	gdp	gdp	NOUN
ejif-922	92	72	growth	growth	NOUN
ejif-922	92	73	rate	rate	NOUN
ejif-922	92	74	infli	infli	NOUN
ejif-922	92	75	=	=	PUNCT
ejif-922	92	76	inflation	inflation	NOUN
ejif-922	92	77	rate	rate	NOUN
ejif-922	92	78	m2	m2	PROPN
ejif-922	92	79	=	=	PROPN
ejif-922	92	80	money	money	NOUN
ejif-922	92	81	supply	supply	NOUN
ejif-922	92	82	savings	saving	NOUN
ejif-922	92	83	to	to	AUX
ejif-922	92	84	gni	gni	NOUN
ejif-922	92	85	=	=	PUNCT
ejif-922	92	86	savings	saving	NOUN
ejif-922	92	87	to	to	ADP
ejif-922	92	88	gross	gross	ADJ
ejif-922	92	89	national	national	ADJ
ejif-922	92	90	income	income	NOUN
ejif-922	92	91	=	=	NOUN
ejif-922	92	92	error	error	NOUN
ejif-922	92	93	term	term	NOUN
ejif-922	92	94	c.	c.	PROPN
ejif-922	92	95	dependent	dependent	ADJ
ejif-922	92	96	variable	variable	NOUN
ejif-922	92	97	:	:	PUNCT
ejif-922	92	98	1	1	X
ejif-922	92	99	.	.	X
ejif-922	92	100	return	return	VERB
ejif-922	92	101	on	on	ADP
ejif-922	92	102	asset	asset	NOUN
ejif-922	92	103	(	(	PUNCT
ejif-922	92	104	roa	roa	PROPN
ejif-922	92	105	):	):	PUNCT
ejif-922	92	106	following	follow	VERB
ejif-922	92	107	among	among	ADP
ejif-922	92	108	others	other	NOUN
ejif-922	92	109	,	,	PUNCT
ejif-922	92	110	ben	ben	PROPN
ejif-922	92	111	naceur	naceur	ADV
ejif-922	92	112	and	and	CCONJ
ejif-922	92	113	goaied	goaie	VERB
ejif-922	92	114	(	(	PUNCT
ejif-922	92	115	2008	2008	NUM
ejif-922	92	116	)	)	PUNCT
ejif-922	92	117	,	,	PUNCT
ejif-922	92	118	kosmidou(2008	kosmidou(2008	NOUN
ejif-922	92	119	)	)	PUNCT
ejif-922	92	120	,	,	PUNCT
ejif-922	92	121	the	the	DET
ejif-922	92	122	dependent	dependent	ADJ
ejif-922	92	123	variable	variable	NOUN
ejif-922	92	124	used	use	VERB
ejif-922	92	125	in	in	ADP
ejif-922	92	126	this	this	DET
ejif-922	92	127	study	study	NOUN
ejif-922	92	128	is	be	AUX
ejif-922	92	129	roa	roa	NOUN
ejif-922	92	130	which	which	PRON
ejif-922	92	131	shows	show	VERB
ejif-922	92	132	the	the	DET
ejif-922	92	133	profit	profit	NOUN
ejif-922	92	134	earned	earn	VERB
ejif-922	92	135	per	per	ADP
ejif-922	92	136	dollar	dollar	NOUN
ejif-922	92	137	of	of	ADP
ejif-922	92	138	assets	asset	NOUN
ejif-922	92	139	and	and	CCONJ
ejif-922	92	140	most	most	ADV
ejif-922	92	141	importantly	importantly	ADV
ejif-922	92	142	and	and	CCONJ
ejif-922	92	143	reflects	reflect	VERB
ejif-922	92	144	management	management	NOUN
ejif-922	92	145	ability	ability	NOUN
ejif-922	92	146	to	to	PART
ejif-922	92	147	utilize	utilize	VERB
ejif-922	92	148	the	the	DET
ejif-922	92	149	banks	bank	NOUN
ejif-922	92	150	financial	financial	ADJ
ejif-922	92	151	and	and	CCONJ
ejif-922	92	152	real	real	ADJ
ejif-922	92	153	investment	investment	NOUN
ejif-922	92	154	resources	resource	NOUN
ejif-922	92	155	to	to	PART
ejif-922	92	156	generate	generate	VERB
ejif-922	92	157	profits(hasan	profits(hasan	PROPN
ejif-922	92	158	and	and	CCONJ
ejif-922	92	159	bashir	bashir	NOUN
ejif-922	92	160	,	,	PUNCT
ejif-922	92	161	2003	2003	NUM
ejif-922	92	162	)	)	PUNCT
ejif-922	92	163	.	.	PUNCT
ejif-922	93	1	for	for	ADP
ejif-922	93	2	any	any	DET
ejif-922	93	3	bank	bank	NOUN
ejif-922	93	4	,	,	PUNCT
ejif-922	93	5	roa	roa	PROPN
ejif-922	93	6	depends	depend	VERB
ejif-922	93	7	on	on	ADP
ejif-922	93	8	the	the	DET
ejif-922	93	9	banks	bank	NOUN
ejif-922	93	10	policy	policy	NOUN
ejif-922	93	11	decisions	decision	NOUN
ejif-922	93	12	as	as	ADV
ejif-922	93	13	well	well	ADV
ejif-922	93	14	as	as	ADP
ejif-922	93	15	uncontrollable	uncontrollable	ADJ
ejif-922	93	16	factors	factor	NOUN
ejif-922	93	17	relating	relate	VERB
ejif-922	93	18	to	to	ADP
ejif-922	93	19	the	the	DET
ejif-922	93	20	economy	economy	NOUN
ejif-922	93	21	and	and	CCONJ
ejif-922	93	22	government	government	NOUN
ejif-922	93	23	regulations	regulation	NOUN
ejif-922	93	24	.	.	PUNCT
ejif-922	94	1	rivard	rivard	NOUN
ejif-922	94	2	and	and	CCONJ
ejif-922	94	3	thomas	thomas	PROPN
ejif-922	94	4	(	(	PUNCT
ejif-922	94	5	1997	1997	NUM
ejif-922	94	6	)	)	PUNCT
ejif-922	94	7	suggest	suggest	VERB
ejif-922	94	8	that	that	SCONJ
ejif-922	94	9	bank	bank	NOUN
ejif-922	94	10	profitability	profitability	NOUN
ejif-922	94	11	is	be	AUX
ejif-922	94	12	measured	measure	VERB
ejif-922	94	13	by	by	ADP
ejif-922	94	14	roa	roa	PROPN
ejif-922	94	15	,	,	PUNCT
ejif-922	94	16	as	as	SCONJ
ejif-922	94	17	roa	roa	NOUN
ejif-922	94	18	is	be	AUX
ejif-922	94	19	not	not	PART
ejif-922	94	20	distorted	distort	VERB
ejif-922	94	21	by	by	ADP
ejif-922	94	22	high	high	ADJ
ejif-922	94	23	equity	equity	NOUN
ejif-922	94	24	multiplier	multiplier	ADV
ejif-922	94	25	and	and	CCONJ
ejif-922	94	26	represents	represent	VERB
ejif-922	94	27	a	a	DET
ejif-922	94	28	better	well	ADJ
ejif-922	94	29	measure	measure	NOUN
ejif-922	94	30	of	of	ADP
ejif-922	94	31	the	the	DET
ejif-922	94	32	ability	ability	NOUN
ejif-922	94	33	of	of	ADP
ejif-922	94	34	the	the	DET
ejif-922	94	35	firm	firm	NOUN
ejif-922	94	36	to	to	PART
ejif-922	94	37	generate	generate	VERB
ejif-922	94	38	returns	return	NOUN
ejif-922	94	39	on	on	ADP
ejif-922	94	40	its	its	PRON
ejif-922	94	41	profitability	profitability	NOUN
ejif-922	94	42	of	of	ADP
ejif-922	94	43	assets	asset	NOUN
ejif-922	94	44	.	.	PUNCT
ejif-922	95	1	d.	d.	PROPN
ejif-922	95	2	independent	independent	PROPN
ejif-922	95	3	variables	variable	NOUN
ejif-922	95	4	:	:	PUNCT
ejif-922	95	5	1	1	X
ejif-922	95	6	.	.	X
ejif-922	95	7	bank	bank	NOUN
ejif-922	95	8	-	-	PUNCT
ejif-922	95	9	specific	specific	ADJ
ejif-922	95	10	determinants	determinant	NOUN
ejif-922	95	11	:	:	PUNCT
ejif-922	95	12	i	i	PRON
ejif-922	95	13	)	)	PUNCT
ejif-922	95	14	asset	asset	NOUN
ejif-922	95	15	quality	quality	NOUN
ejif-922	95	16	ratio	ratio	NOUN
ejif-922	95	17	(	(	PUNCT
ejif-922	95	18	loans	loan	NOUN
ejif-922	95	19	loss	loss	NOUN
ejif-922	95	20	provisions	provision	NOUN
ejif-922	95	21	divided	divide	VERB
ejif-922	95	22	by	by	ADP
ejif-922	95	23	the	the	DET
ejif-922	95	24	total	total	ADJ
ejif-922	95	25	loans	loan	NOUN
ejif-922	95	26	):	):	PUNCT
ejif-922	95	27	the	the	DET
ejif-922	95	28	ratio	ratio	NOUN
ejif-922	95	29	of	of	ADP
ejif-922	95	30	loan	loan	NOUN
ejif-922	95	31	loss	loss	NOUN
ejif-922	95	32	provisions	provision	NOUN
ejif-922	95	33	to	to	PART
ejif-922	95	34	total	total	VERB
ejif-922	95	35	loans	loan	NOUN
ejif-922	95	36	(	(	PUNCT
ejif-922	95	37	llp	llp	PROPN
ejif-922	95	38	/	/	SYM
ejif-922	95	39	tl	tl	PROPN
ejif-922	95	40	)	)	PUNCT
ejif-922	95	41	is	be	AUX
ejif-922	95	42	incorporated	incorporate	VERB
ejif-922	95	43	as	as	ADP
ejif-922	95	44	an	an	DET
ejif-922	95	45	independent	independent	ADJ
ejif-922	95	46	variable	variable	NOUN
ejif-922	95	47	in	in	ADP
ejif-922	95	48	the	the	DET
ejif-922	95	49	regression	regression	NOUN
ejif-922	95	50	analysis	analysis	NOUN
ejif-922	95	51	as	as	ADP
ejif-922	95	52	a	a	DET
ejif-922	95	53	proxy	proxy	NOUN
ejif-922	95	54	for	for	ADP
ejif-922	95	55	credit	credit	NOUN
ejif-922	95	56	risk	risk	NOUN
ejif-922	95	57	.	.	PUNCT
ejif-922	96	1	the	the	DET
ejif-922	96	2	coefficient	coefficient	NOUN
ejif-922	96	3	of	of	ADP
ejif-922	96	4	llp	llp	PROPN
ejif-922	96	5	/	/	SYM
ejif-922	96	6	tl	tl	PROPN
ejif-922	96	7	is	be	AUX
ejif-922	96	8	expected	expect	VERB
ejif-922	96	9	to	to	PART
ejif-922	96	10	be	be	AUX
ejif-922	96	11	negative	negative	ADJ
ejif-922	96	12	because	because	SCONJ
ejif-922	96	13	bad	bad	ADJ
ejif-922	96	14	loans	loan	NOUN
ejif-922	96	15	are	be	AUX
ejif-922	96	16	expected	expect	VERB
ejif-922	96	17	to	to	PART
ejif-922	96	18	reduce	reduce	VERB
ejif-922	96	19	profitability	profitability	NOUN
ejif-922	96	20	.	.	PUNCT
ejif-922	97	1	miller	miller	PROPN
ejif-922	97	2	and	and	CCONJ
ejif-922	97	3	noulas	noulas	PROPN
ejif-922	97	4	(	(	PUNCT
ejif-922	97	5	1997	1997	NUM
ejif-922	97	6	)	)	PUNCT
ejif-922	97	7	suggest	suggest	VERB
ejif-922	97	8	that	that	SCONJ
ejif-922	97	9	the	the	PRON
ejif-922	97	10	greater	great	ADJ
ejif-922	97	11	the	the	DET
ejif-922	97	12	exposure	exposure	NOUN
ejif-922	97	13	of	of	ADP
ejif-922	97	14	the	the	DET
ejif-922	97	15	banks	bank	NOUN
ejif-922	97	16	to	to	ADP
ejif-922	97	17	high	high	ADJ
ejif-922	97	18	risk	risk	NOUN
ejif-922	97	19	loans	loan	NOUN
ejif-922	97	20	,	,	PUNCT
ejif-922	97	21	the	the	PRON
ejif-922	97	22	higher	high	ADJ
ejif-922	97	23	the	the	DET
ejif-922	97	24	accumulation	accumulation	NOUN
ejif-922	97	25	of	of	ADP
ejif-922	97	26	unpaid	unpaid	ADJ
ejif-922	97	27	loans	loan	NOUN
ejif-922	97	28	would	would	AUX
ejif-922	97	29	be	be	AUX
ejif-922	97	30	and	and	CCONJ
ejif-922	97	31	lower	low	ADJ
ejif-922	97	32	profitability	profitability	NOUN
ejif-922	97	33	would	would	AUX
ejif-922	97	34	be	be	AUX
ejif-922	97	35	.	.	PUNCT
ejif-922	97	36	ii	ii	X
ejif-922	97	37	)	)	PUNCT
ejif-922	97	38	capital	capital	NOUN
ejif-922	97	39	adequacy	adequacy	NOUN
ejif-922	97	40	ratio	ratio	NOUN
ejif-922	97	41	-	-	PUNCT
ejif-922	97	42	total	total	NOUN
ejif-922	97	43	equity	equity	NOUN
ejif-922	97	44	by	by	ADP
ejif-922	97	45	total	total	ADJ
ejif-922	97	46	assets	asset	NOUN
ejif-922	97	47	ratio	ratio	NOUN
ejif-922	97	48	:	:	PUNCT
ejif-922	97	49	the	the	DET
ejif-922	97	50	eqass	eqass	ADJ
ejif-922	97	51	variable	variable	NOUN
ejif-922	97	52	is	be	AUX
ejif-922	97	53	included	include	VERB
ejif-922	97	54	in	in	ADP
ejif-922	97	55	the	the	DET
ejif-922	97	56	regression	regression	NOUN
ejif-922	97	57	to	to	PART
ejif-922	97	58	examine	examine	VERB
ejif-922	97	59	the	the	DET
ejif-922	97	60	relationship	relationship	NOUN
ejif-922	97	61	between	between	ADP
ejif-922	97	62	profitability	profitability	NOUN
ejif-922	97	63	and	and	CCONJ
ejif-922	97	64	bank	bank	NOUN
ejif-922	97	65	capitalization	capitalization	NOUN
ejif-922	97	66	,	,	PUNCT
ejif-922	97	67	strong	strong	ADJ
ejif-922	97	68	capital	capital	NOUN
ejif-922	97	69	structure	structure	NOUN
ejif-922	97	70	is	be	AUX
ejif-922	97	71	essential	essential	ADJ
ejif-922	97	72	for	for	ADP
ejif-922	97	73	banks	bank	NOUN
ejif-922	97	74	in	in	ADP
ejif-922	97	75	developing	develop	VERB
ejif-922	97	76	economics	economic	NOUN
ejif-922	97	77	,	,	PUNCT
ejif-922	97	78	since	since	SCONJ
ejif-922	97	79	it	it	PRON
ejif-922	97	80	provides	provide	VERB
ejif-922	97	81	additional	additional	ADJ
ejif-922	97	82	strength	strength	NOUN
ejif-922	97	83	to	to	PART
ejif-922	97	84	withstand	withstand	VERB
ejif-922	97	85	the	the	DET
ejif-922	97	86	financial	financial	ADJ
ejif-922	97	87	crises	crisis	NOUN
ejif-922	97	88	and	and	CCONJ
ejif-922	97	89	increased	increase	VERB
ejif-922	97	90	safety	safety	NOUN
ejif-922	97	91	for	for	ADP
ejif-922	97	92	depositors	depositor	NOUN
ejif-922	97	93	during	during	ADP
ejif-922	97	94	unstable	unstable	ADJ
ejif-922	97	95	macroeconomic	macroeconomic	ADJ
ejif-922	97	96	conditions	condition	NOUN
ejif-922	97	97	.	.	PUNCT
ejif-922	98	1	furthermore	furthermore	ADV
ejif-922	98	2	,	,	PUNCT
ejif-922	98	3	lower	low	ADJ
ejif-922	98	4	capital	capital	NOUN
ejif-922	98	5	ratio	ratio	NOUN
ejif-922	98	6	in	in	ADP
ejif-922	98	7	banking	banking	NOUN
ejif-922	98	8	implies	imply	VERB
ejif-922	98	9	higher	high	ADJ
ejif-922	98	10	leverage	leverage	NOUN
ejif-922	98	11	and	and	CCONJ
ejif-922	98	12	risk	risk	NOUN
ejif-922	98	13	therefore	therefore	ADV
ejif-922	98	14	greater	great	ADJ
ejif-922	98	15	borrowing	borrowing	NOUN
ejif-922	98	16	cost	cost	NOUN
ejif-922	98	17	.	.	PUNCT
ejif-922	99	1	thus	thus	ADV
ejif-922	99	2	,	,	PUNCT
ejif-922	99	3	the	the	DET
ejif-922	99	4	profitability	profitability	NOUN
ejif-922	99	5	level	level	NOUN
ejif-922	99	6	should	should	AUX
ejif-922	99	7	be	be	AUX
ejif-922	99	8	higher	high	ADJ
ejif-922	99	9	for	for	ADP
ejif-922	99	10	better	well	ADJ
ejif-922	99	11	capitalized	capitalize	VERB
ejif-922	99	12	bank	bank	NOUN
ejif-922	99	13	.	.	PUNCT
ejif-922	100	1	iii	iii	X
ejif-922	100	2	)	)	PUNCT
ejif-922	100	3	nie	nie	PROPN
ejif-922	100	4	/	/	SYM
ejif-922	100	5	ta(total	ta(total	ADJ
ejif-922	100	6	overhead	overhead	ADJ
ejif-922	100	7	expenses	expense	NOUN
ejif-922	100	8	divided	divide	VERB
ejif-922	100	9	by	by	ADP
ejif-922	100	10	total	total	ADJ
ejif-922	100	11	assets	asset	NOUN
ejif-922	100	12	):	):	PUNCT
ejif-922	100	13	the	the	DET
ejif-922	100	14	ratio	ratio	NOUN
ejif-922	100	15	of	of	ADP
ejif-922	100	16	overhead	overhead	ADJ
ejif-922	100	17	expenses	expense	NOUN
ejif-922	100	18	to	to	ADP
ejif-922	100	19	total	total	ADJ
ejif-922	100	20	assets	asset	NOUN
ejif-922	100	21	,	,	PUNCT
ejif-922	100	22	nie	nie	PROPN
ejif-922	100	23	/	/	SYM
ejif-922	100	24	ta	ta	PROPN
ejif-922	100	25	,	,	PUNCT
ejif-922	100	26	is	be	AUX
ejif-922	100	27	used	use	VERB
ejif-922	100	28	to	to	PART
ejif-922	100	29	provide	provide	VERB
ejif-922	100	30	information	information	NOUN
ejif-922	100	31	on	on	ADP
ejif-922	100	32	the	the	DET
ejif-922	100	33	variations	variation	NOUN
ejif-922	100	34	in	in	ADP
ejif-922	100	35	bank	bank	NOUN
ejif-922	100	36	operating	operating	NOUN
ejif-922	100	37	costs	cost	NOUN
ejif-922	100	38	.	.	PUNCT
ejif-922	101	1	the	the	DET
ejif-922	101	2	variable	variable	NOUN
ejif-922	101	3	represents	represent	VERB
ejif-922	101	4	the	the	DET
ejif-922	101	5	total	total	ADJ
ejif-922	101	6	amount	amount	NOUN
ejif-922	101	7	of	of	ADP
ejif-922	101	8	wages	wage	NOUN
ejif-922	101	9	and	and	CCONJ
ejif-922	101	10	salaries	salary	NOUN
ejif-922	101	11	as	as	ADV
ejif-922	101	12	well	well	ADV
ejif-922	101	13	as	as	ADP
ejif-922	101	14	the	the	DET
ejif-922	101	15	cost	cost	NOUN
ejif-922	101	16	of	of	ADP
ejif-922	101	17	running	run	VERB
ejif-922	101	18	branch	branch	NOUN
ejif-922	101	19	office	office	NOUN
ejif-922	101	20	facilitates	facilitate	VERB
ejif-922	101	21	.	.	PUNCT
ejif-922	102	1	the	the	DET
ejif-922	102	2	relationship	relationship	NOUN
ejif-922	102	3	between	between	ADP
ejif-922	102	4	the	the	DET
ejif-922	102	5	nie	nie	PROPN
ejif-922	102	6	/	/	SYM
ejif-922	102	7	ta	ta	PROPN
ejif-922	102	8	variable	variable	NOUN
ejif-922	102	9	and	and	CCONJ
ejif-922	102	10	profitability	profitability	NOUN
ejif-922	102	11	level	level	NOUN
ejif-922	102	12	is	be	AUX
ejif-922	102	13	expected	expect	VERB
ejif-922	102	14	to	to	PART
ejif-922	102	15	be	be	AUX
ejif-922	102	16	negative	negative	ADJ
ejif-922	102	17	,	,	PUNCT
ejif-922	102	18	because	because	SCONJ
ejif-922	102	19	banks	bank	NOUN
ejif-922	102	20	that	that	PRON
ejif-922	102	21	are	be	AUX
ejif-922	102	22	more	more	ADV
ejif-922	102	23	productive	productive	ADJ
ejif-922	102	24	and	and	CCONJ
ejif-922	102	25	efficient	efficient	ADJ
ejif-922	102	26	should	should	AUX
ejif-922	102	27	keep	keep	VERB
ejif-922	102	28	their	their	PRON
ejif-922	102	29	operating	operating	NOUN
ejif-922	102	30	cost	cost	NOUN
ejif-922	102	31	low	low	ADJ
ejif-922	102	32	.	.	PUNCT
ejif-922	103	1	iv	iv	X
ejif-922	103	2	)	)	PUNCT
ejif-922	103	3	loans	loan	NOUN
ejif-922	103	4	/	/	SYM
ejif-922	103	5	ta	ta	PROPN
ejif-922	104	1	(	(	PUNCT
ejif-922	104	2	total	total	ADJ
ejif-922	104	3	loans	loan	NOUN
ejif-922	104	4	divided	divide	VERB
ejif-922	104	5	by	by	ADP
ejif-922	104	6	total	total	ADJ
ejif-922	104	7	assets	asset	NOUN
ejif-922	104	8	):	):	PUNCT
ejif-922	104	9	the	the	DET
ejif-922	104	10	ratio	ratio	NOUN
ejif-922	104	11	of	of	ADP
ejif-922	104	12	the	the	DET
ejif-922	104	13	total	total	ADJ
ejif-922	104	14	loans	loan	NOUN
ejif-922	104	15	to	to	ADP
ejif-922	104	16	total	total	ADJ
ejif-922	104	17	assets	asset	NOUN
ejif-922	104	18	(	(	PUNCT
ejif-922	104	19	loans	loan	NOUN
ejif-922	104	20	/	/	SYM
ejif-922	104	21	ta	ta	NOUN
ejif-922	104	22	)	)	PUNCT
ejif-922	104	23	is	be	AUX
ejif-922	104	24	used	use	VERB
ejif-922	104	25	as	as	ADP
ejif-922	104	26	a	a	DET
ejif-922	104	27	measure	measure	NOUN
ejif-922	104	28	of	of	ADP
ejif-922	104	29	liquidity	liquidity	NOUN
ejif-922	104	30	risk	risk	NOUN
ejif-922	104	31	.	.	PUNCT
ejif-922	105	1	it	it	PRON
ejif-922	105	2	is	be	AUX
ejif-922	105	3	the	the	DET
ejif-922	105	4	risk	risk	NOUN
ejif-922	105	5	of	of	ADP
ejif-922	105	6	not	not	PART
ejif-922	105	7	having	have	VERB
ejif-922	105	8	cash	cash	NOUN
ejif-922	105	9	or	or	CCONJ
ejif-922	105	10	borrowing	borrowing	NOUN
ejif-922	105	11	capacity	capacity	NOUN
ejif-922	105	12	to	to	PART
ejif-922	105	13	cover	cover	VERB
ejif-922	105	14	deposit	deposit	NOUN
ejif-922	105	15	withdrawals	withdrawal	NOUN
ejif-922	105	16	or	or	CCONJ
ejif-922	105	17	new	new	ADJ
ejif-922	105	18	loan	loan	NOUN
ejif-922	105	19	applications	application	NOUN
ejif-922	105	20	,	,	PUNCT
ejif-922	105	21	which	which	PRON
ejif-922	105	22	forces	force	VERB
ejif-922	105	23	banks	bank	NOUN
ejif-922	105	24	to	to	PART
ejif-922	105	25	borrow	borrow	VERB
ejif-922	105	26	emergency	emergency	NOUN
ejif-922	105	27	funds	fund	NOUN
ejif-922	105	28	at	at	ADP
ejif-922	105	29	excessive	excessive	ADJ
ejif-922	105	30	cost	cost	NOUN
ejif-922	105	31	.	.	PUNCT
ejif-922	106	1	thus	thus	ADV
ejif-922	106	2	,	,	PUNCT
ejif-922	106	3	when	when	SCONJ
ejif-922	106	4	the	the	DET
ejif-922	106	5	proportion	proportion	NOUN
ejif-922	106	6	of	of	ADP
ejif-922	106	7	funds	fund	NOUN
ejif-922	106	8	invested	invest	VERB
ejif-922	106	9	in	in	ADP
ejif-922	106	10	cash	cash	NOUN
ejif-922	106	11	or	or	CCONJ
ejif-922	106	12	equivalent	equivalent	ADJ
ejif-922	106	13	cash	cash	NOUN
ejif-922	106	14	increases	increase	NOUN
ejif-922	106	15	,	,	PUNCT
ejif-922	106	16	liquidity	liquidity	NOUN
ejif-922	106	17	of	of	ADP
ejif-922	106	18	bank	bank	NOUN
ejif-922	106	19	of	of	ADP
ejif-922	106	20	the	the	DET
ejif-922	106	21	bank	bank	NOUN
ejif-922	106	22	decreases	decrease	VERB
ejif-922	106	23	.	.	PUNCT
ejif-922	107	1	so	so	ADV
ejif-922	107	2	,	,	PUNCT
ejif-922	107	3	a	a	DET
ejif-922	107	4	negative	negative	ADJ
ejif-922	107	5	relationship	relationship	NOUN
ejif-922	107	6	between	between	ADP
ejif-922	107	7	liquidity	liquidity	NOUN
ejif-922	107	8	risk	risk	NOUN
ejif-922	107	9	and	and	CCONJ
ejif-922	107	10	profitability	profitability	NOUN
ejif-922	107	11	is	be	AUX
ejif-922	107	12	expected	expect	VERB
ejif-922	107	13	.	.	PUNCT
ejif-922	108	1	in	in	ADP
ejif-922	108	2	banking	banking	NOUN
ejif-922	108	3	literature	literature	NOUN
ejif-922	108	4	,	,	PUNCT
ejif-922	108	5	kyriakikosmidou	kyriakikosmidou	PROPN
ejif-922	108	6	,	,	PUNCT
ejif-922	108	7	saleishtanna	saleishtanna	NOUN
ejif-922	108	8	and	and	CCONJ
ejif-922	108	9	pasioras	pasioras	NOUN
ejif-922	108	10	(	(	PUNCT
ejif-922	108	11	2005	2005	NUM
ejif-922	108	12	)	)	PUNCT
ejif-922	108	13	found	find	VERB
ejif-922	108	14	a	a	DET
ejif-922	108	15	positive	positive	ADJ
ejif-922	108	16	relationship	relationship	NOUN
ejif-922	108	17	between	between	ADP
ejif-922	108	18	the	the	DET
ejif-922	108	19	liquidity	liquidity	NOUN
ejif-922	108	20	risk	risk	NOUN
ejif-922	108	21	and	and	CCONJ
ejif-922	108	22	profitability	profitability	NOUN
ejif-922	108	23	whereas	whereas	SCONJ
ejif-922	108	24	hassan	hassan	PROPN
ejif-922	108	25	and	and	CCONJ
ejif-922	108	26	bashir	bashir	PROPN
ejif-922	108	27	(	(	PUNCT
ejif-922	108	28	2003	2003	NUM
ejif-922	108	29	)	)	PUNCT
ejif-922	108	30	ejif	ejif	PROPN
ejif-922	108	31	–	–	PUNCT
ejif-922	108	32	european	european	PROPN
ejif-922	108	33	journal	journal	PROPN
ejif-922	108	34	of	of	ADP
ejif-922	108	35	islamic	islamic	PROPN
ejif-922	108	36	finance	finance	NOUN
ejif-922	108	37	no2	no2	PROPN
ejif-922	108	38	,	,	PUNCT
ejif-922	108	39	april	april	PROPN
ejif-922	108	40	(	(	PUNCT
ejif-922	108	41	2015	2015	NUM
ejif-922	108	42	)	)	PUNCT
ejif-922	108	43	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	108	44	issn	issn	VERB
ejif-922	108	45	2421	2421	NUM
ejif-922	108	46	-	-	SYM
ejif-922	108	47	2172	2172	NUM
ejif-922	108	48	5	5	NUM
ejif-922	108	49	founds	found	VERB
ejif-922	108	50	negative	negative	ADJ
ejif-922	108	51	association	association	NOUN
ejif-922	108	52	between	between	ADP
ejif-922	108	53	the	the	DET
ejif-922	108	54	liquidity	liquidity	NOUN
ejif-922	108	55	risk	risk	NOUN
ejif-922	108	56	and	and	CCONJ
ejif-922	108	57	the	the	DET
ejif-922	108	58	profitability	profitability	NOUN
ejif-922	108	59	.	.	PUNCT
ejif-922	109	1	2	2	X
ejif-922	109	2	.	.	X
ejif-922	109	3	macro	macro	ADJ
ejif-922	109	4	-	-	ADJ
ejif-922	109	5	economic	economic	ADJ
ejif-922	109	6	factors	factor	NOUN
ejif-922	109	7	:	:	PUNCT
ejif-922	109	8	i	i	X
ejif-922	109	9	)	)	PUNCT
ejif-922	109	10	gross	gross	ADJ
ejif-922	109	11	domestic	domestic	ADJ
ejif-922	109	12	product	product	NOUN
ejif-922	109	13	(	(	PUNCT
ejif-922	109	14	gdp	gdp	NOUN
ejif-922	109	15	)	)	PUNCT
ejif-922	109	16	growth	growth	NOUN
ejif-922	109	17	rate	rate	NOUN
ejif-922	109	18	:	:	PUNCT
ejif-922	109	19	a	a	DET
ejif-922	109	20	gross	gross	ADJ
ejif-922	109	21	domestic	domestic	ADJ
ejif-922	109	22	product	product	NOUN
ejif-922	109	23	(	(	PUNCT
ejif-922	109	24	gdp	gdp	NOUN
ejif-922	109	25	)	)	PUNCT
ejif-922	109	26	is	be	AUX
ejif-922	109	27	the	the	DET
ejif-922	109	28	amount	amount	NOUN
ejif-922	109	29	that	that	PRON
ejif-922	109	30	most	most	ADV
ejif-922	109	31	commonly	commonly	ADV
ejif-922	109	32	used	use	VERB
ejif-922	109	33	macroeconomic	macroeconomic	ADJ
ejif-922	109	34	indicators	indicator	NOUN
ejif-922	109	35	to	to	PART
ejif-922	109	36	measure	measure	VERB
ejif-922	109	37	economic	economic	ADJ
ejif-922	109	38	activity	activity	NOUN
ejif-922	109	39	within	within	ADP
ejif-922	109	40	an	an	DET
ejif-922	109	41	economy	economy	NOUN
ejif-922	109	42	.	.	PUNCT
ejif-922	110	1	the	the	DET
ejif-922	110	2	gdp	gdp	NOUN
ejif-922	110	3	is	be	AUX
ejif-922	110	4	expected	expect	VERB
ejif-922	110	5	to	to	PART
ejif-922	110	6	influence	influence	VERB
ejif-922	110	7	numerous	numerous	ADJ
ejif-922	110	8	factors	factor	NOUN
ejif-922	110	9	related	relate	VERB
ejif-922	110	10	to	to	ADP
ejif-922	110	11	the	the	DET
ejif-922	110	12	supply	supply	NOUN
ejif-922	110	13	and	and	CCONJ
ejif-922	110	14	demand	demand	NOUN
ejif-922	110	15	for	for	ADP
ejif-922	110	16	loans	loan	NOUN
ejif-922	110	17	and	and	CCONJ
ejif-922	110	18	deposits	deposit	NOUN
ejif-922	110	19	.	.	PUNCT
ejif-922	111	1	empirical	empirical	ADJ
ejif-922	111	2	results	result	NOUN
ejif-922	111	3	show	show	VERB
ejif-922	111	4	that	that	SCONJ
ejif-922	111	5	gdp	gdp	NOUN
ejif-922	111	6	has	have	VERB
ejif-922	111	7	a	a	DET
ejif-922	111	8	positive	positive	ADJ
ejif-922	111	9	and	and	CCONJ
ejif-922	111	10	significant	significant	ADJ
ejif-922	111	11	effect	effect	NOUN
ejif-922	111	12	on	on	ADP
ejif-922	111	13	the	the	DET
ejif-922	111	14	performance	performance	NOUN
ejif-922	111	15	of	of	ADP
ejif-922	111	16	islamic	islamic	ADJ
ejif-922	111	17	banks	bank	NOUN
ejif-922	111	18	(	(	PUNCT
ejif-922	111	19	bashir	bashir	PROPN
ejif-922	111	20	,	,	PUNCT
ejif-922	111	21	2003	2003	NUM
ejif-922	111	22	;	;	PUNCT
ejif-922	111	23	wasiuzzaman&tarmizi	wasiuzzaman&tarmizi	NOUN
ejif-922	111	24	,	,	PUNCT
ejif-922	111	25	2010	2010	NUM
ejif-922	111	26	)	)	PUNCT
ejif-922	111	27	,	,	PUNCT
ejif-922	111	28	because	because	SCONJ
ejif-922	111	29	favorable	favorable	ADJ
ejif-922	111	30	macroeconomic	macroeconomic	ADJ
ejif-922	111	31	conditions	condition	NOUN
ejif-922	111	32	within	within	ADP
ejif-922	111	33	the	the	DET
ejif-922	111	34	country	country	NOUN
ejif-922	111	35	create	create	VERB
ejif-922	111	36	a	a	DET
ejif-922	111	37	good	good	ADJ
ejif-922	111	38	environment	environment	NOUN
ejif-922	111	39	for	for	ADP
ejif-922	111	40	the	the	DET
ejif-922	111	41	banking	banking	NOUN
ejif-922	111	42	sector	sector	NOUN
ejif-922	111	43	.	.	PUNCT
ejif-922	112	1	ii	ii	X
ejif-922	112	2	)	)	PUNCT
ejif-922	112	3	inflation	inflation	NOUN
ejif-922	112	4	-	-	PUNCT
ejif-922	112	5	infli	infli	NOUN
ejif-922	112	6	:	:	PUNCT
ejif-922	112	7	another	another	DET
ejif-922	112	8	important	important	ADJ
ejif-922	112	9	macroeconomic	macroeconomic	ADJ
ejif-922	112	10	condition	condition	NOUN
ejif-922	112	11	which	which	PRON
ejif-922	112	12	may	may	AUX
ejif-922	112	13	affect	affect	VERB
ejif-922	112	14	both	both	PRON
ejif-922	112	15	the	the	DET
ejif-922	112	16	costs	cost	NOUN
ejif-922	112	17	and	and	CCONJ
ejif-922	112	18	revenues	revenue	NOUN
ejif-922	112	19	of	of	ADP
ejif-922	112	20	banks	bank	NOUN
ejif-922	112	21	is	be	AUX
ejif-922	112	22	the	the	DET
ejif-922	112	23	inflation	inflation	NOUN
ejif-922	112	24	(	(	PUNCT
ejif-922	112	25	infl	infl	PROPN
ejif-922	112	26	)	)	PUNCT
ejif-922	112	27	.	.	PUNCT
ejif-922	113	1	staikouras	staikoura	NOUN
ejif-922	113	2	and	and	CCONJ
ejif-922	113	3	wood	wood	NOUN
ejif-922	113	4	(	(	PUNCT
ejif-922	113	5	2003	2003	NUM
ejif-922	113	6	)	)	PUNCT
ejif-922	113	7	point	point	VERB
ejif-922	113	8	out	out	ADP
ejif-922	113	9	that	that	SCONJ
ejif-922	113	10	inflation	inflation	NOUN
ejif-922	113	11	may	may	AUX
ejif-922	113	12	have	have	VERB
ejif-922	113	13	direct	direct	ADJ
ejif-922	113	14	effects	effect	NOUN
ejif-922	113	15	(	(	PUNCT
ejif-922	113	16	i	i	PRON
ejif-922	113	17	,	,	PUNCT
ejif-922	114	1	e	e	X
ejif-922	114	2	increase	increase	NOUN
ejif-922	114	3	in	in	ADP
ejif-922	114	4	the	the	DET
ejif-922	114	5	price	price	NOUN
ejif-922	114	6	of	of	ADP
ejif-922	114	7	labor	labor	NOUN
ejif-922	114	8	)	)	PUNCT
ejif-922	114	9	and	and	CCONJ
ejif-922	114	10	indirect	indirect	ADJ
ejif-922	114	11	effects	effect	NOUN
ejif-922	114	12	(	(	PUNCT
ejif-922	114	13	i	i	PRON
ejif-922	114	14	,	,	PUNCT
ejif-922	114	15	e	e	X
ejif-922	114	16	increase	increase	NOUN
ejif-922	114	17	in	in	ADP
ejif-922	114	18	asset	asset	NOUN
ejif-922	114	19	prices	price	NOUN
ejif-922	114	20	)	)	PUNCT
ejif-922	114	21	on	on	ADP
ejif-922	114	22	the	the	DET
ejif-922	114	23	profitability	profitability	NOUN
ejif-922	114	24	of	of	ADP
ejif-922	114	25	banks	bank	NOUN
ejif-922	114	26	.	.	PUNCT
ejif-922	115	1	iii	iii	X
ejif-922	115	2	)	)	PUNCT
ejif-922	115	3	money	money	NOUN
ejif-922	115	4	supply	supply	NOUN
ejif-922	115	5	-	-	PUNCT
ejif-922	115	6	m2	m2	PROPN
ejif-922	115	7	:	:	PUNCT
ejif-922	115	8	money	money	NOUN
ejif-922	115	9	supplyrepresents	supplyrepresent	VERB
ejif-922	115	10	the	the	DET
ejif-922	115	11	amount	amount	NOUN
ejif-922	115	12	of	of	ADP
ejif-922	115	13	money	money	NOUN
ejif-922	115	14	in	in	ADP
ejif-922	115	15	the	the	DET
ejif-922	115	16	country	country	NOUN
ejif-922	115	17	,	,	PUNCT
ejif-922	115	18	and	and	CCONJ
ejif-922	115	19	how	how	SCONJ
ejif-922	115	20	it	it	PRON
ejif-922	115	21	affects	affect	VERB
ejif-922	115	22	the	the	DET
ejif-922	115	23	performance	performance	NOUN
ejif-922	115	24	of	of	ADP
ejif-922	115	25	islamic	islamic	ADJ
ejif-922	115	26	banks	bank	NOUN
ejif-922	115	27	.	.	PUNCT
ejif-922	116	1	it	it	PRON
ejif-922	116	2	could	could	AUX
ejif-922	116	3	be	be	AUX
ejif-922	116	4	used	use	VERB
ejif-922	116	5	as	as	ADP
ejif-922	116	6	a	a	DET
ejif-922	116	7	proxy	proxy	NOUN
ejif-922	116	8	for	for	ADP
ejif-922	116	9	macroeconomic	macroeconomic	ADJ
ejif-922	116	10	conditions	condition	NOUN
ejif-922	116	11	in	in	ADP
ejif-922	116	12	the	the	DET
ejif-922	116	13	malaysian	malaysian	ADJ
ejif-922	116	14	economy	economy	NOUN
ejif-922	116	15	(	(	PUNCT
ejif-922	116	16	kok	kok	PROPN
ejif-922	116	17	et	et	PROPN
ejif-922	116	18	al	al	PROPN
ejif-922	116	19	.	.	PROPN
ejif-922	116	20	,	,	PUNCT
ejif-922	116	21	2012	2012	NUM
ejif-922	116	22	)	)	PUNCT
ejif-922	116	23	.	.	PUNCT
ejif-922	117	1	kok	kok	PROPN
ejif-922	117	2	et	et	PROPN
ejif-922	117	3	al	al	PROPN
ejif-922	117	4	.	.	PROPN
ejif-922	117	5	(	(	PUNCT
ejif-922	117	6	2012	2012	NUM
ejif-922	117	7	)	)	PUNCT
ejif-922	117	8	and	and	CCONJ
ejif-922	117	9	srairi	srairi	NOUN
ejif-922	117	10	(	(	PUNCT
ejif-922	117	11	2009)found	2009)found	NUM
ejif-922	117	12	a	a	DET
ejif-922	117	13	positive	positive	ADJ
ejif-922	117	14	and	and	CCONJ
ejif-922	117	15	statistically	statistically	ADV
ejif-922	117	16	significant	significant	ADJ
ejif-922	117	17	effect	effect	NOUN
ejif-922	117	18	of	of	ADP
ejif-922	117	19	this	this	DET
ejif-922	117	20	variable	variable	NOUN
ejif-922	117	21	on	on	ADP
ejif-922	117	22	the	the	DET
ejif-922	117	23	performance	performance	NOUN
ejif-922	117	24	of	of	ADP
ejif-922	117	25	islamic	islamic	ADJ
ejif-922	117	26	banks	bank	NOUN
ejif-922	117	27	.	.	PUNCT
ejif-922	118	1	the	the	DET
ejif-922	118	2	same	same	ADJ
ejif-922	118	3	positive	positive	ADJ
ejif-922	118	4	effect	effect	NOUN
ejif-922	118	5	of	of	ADP
ejif-922	118	6	the	the	DET
ejif-922	118	7	money	money	NOUN
ejif-922	118	8	supply	supply	NOUN
ejif-922	118	9	is	be	AUX
ejif-922	118	10	expected	expect	VERB
ejif-922	118	11	here	here	ADV
ejif-922	118	12	,	,	PUNCT
ejif-922	118	13	and	and	CCONJ
ejif-922	118	14	will	will	AUX
ejif-922	118	15	therefore	therefore	ADV
ejif-922	118	16	be	be	AUX
ejif-922	118	17	included	include	VERB
ejif-922	118	18	in	in	ADP
ejif-922	118	19	this	this	DET
ejif-922	118	20	study	study	NOUN
ejif-922	118	21	as	as	ADP
ejif-922	118	22	an	an	DET
ejif-922	118	23	external	external	ADJ
ejif-922	118	24	variable	variable	NOUN
ejif-922	118	25	because	because	SCONJ
ejif-922	118	26	money	money	NOUN
ejif-922	118	27	supply	supply	NOUN
ejif-922	118	28	reflects	reflect	VERB
ejif-922	118	29	the	the	DET
ejif-922	118	30	macroeconomic	macroeconomic	ADJ
ejif-922	118	31	conditions	condition	NOUN
ejif-922	118	32	within	within	ADP
ejif-922	118	33	a	a	DET
ejif-922	118	34	country	country	NOUN
ejif-922	118	35	,	,	PUNCT
ejif-922	118	36	which	which	PRON
ejif-922	118	37	influences	influence	VERB
ejif-922	118	38	the	the	DET
ejif-922	118	39	performance	performance	NOUN
ejif-922	118	40	of	of	ADP
ejif-922	118	41	islamic	islamic	ADJ
ejif-922	118	42	banks	bank	NOUN
ejif-922	118	43	by	by	ADP
ejif-922	118	44	affecting	affect	VERB
ejif-922	118	45	the	the	DET
ejif-922	118	46	financial	financial	ADJ
ejif-922	118	47	situation	situation	NOUN
ejif-922	118	48	of	of	ADP
ejif-922	118	49	customers	customer	NOUN
ejif-922	118	50	.	.	PUNCT
ejif-922	119	1	iv	iv	X
ejif-922	119	2	)	)	PUNCT
ejif-922	119	3	savings	saving	NOUN
ejif-922	119	4	on	on	ADP
ejif-922	119	5	gni	gni	NOUN
ejif-922	119	6	:	:	PUNCT
ejif-922	119	7	adjusted	adjust	VERB
ejif-922	119	8	net	net	ADJ
ejif-922	119	9	saving	saving	NOUN
ejif-922	119	10	(	(	PUNCT
ejif-922	119	11	ans	an	NOUN
ejif-922	119	12	)	)	PUNCT
ejif-922	119	13	as	as	ADP
ejif-922	119	14	a	a	DET
ejif-922	119	15	percentage	percentage	NOUN
ejif-922	119	16	of	of	ADP
ejif-922	119	17	gross	gross	ADJ
ejif-922	119	18	national	national	ADJ
ejif-922	119	19	income	income	NOUN
ejif-922	119	20	(	(	PUNCT
ejif-922	119	21	gni	gni	NOUN
ejif-922	119	22	)	)	PUNCT
ejif-922	119	23	is	be	AUX
ejif-922	119	24	derived	derive	VERB
ejif-922	119	25	from	from	ADP
ejif-922	119	26	the	the	DET
ejif-922	119	27	standard	standard	ADJ
ejif-922	119	28	national	national	ADJ
ejif-922	119	29	accounting	accounting	NOUN
ejif-922	119	30	measure	measure	NOUN
ejif-922	119	31	of	of	ADP
ejif-922	119	32	gross	gross	ADJ
ejif-922	119	33	saving	saving	NOUN
ejif-922	119	34	by	by	ADP
ejif-922	119	35	making	make	VERB
ejif-922	119	36	four	four	NUM
ejif-922	119	37	adjustments	adjustment	NOUN
ejif-922	119	38	:	:	PUNCT
ejif-922	119	39	(	(	PUNCT
ejif-922	119	40	i	i	NOUN
ejif-922	119	41	)	)	PUNCT
ejif-922	119	42	consumption	consumption	NOUN
ejif-922	119	43	of	of	ADP
ejif-922	119	44	fixed	fix	VERB
ejif-922	119	45	capital	capital	NOUN
ejif-922	119	46	is	be	AUX
ejif-922	119	47	deducted	deduct	VERB
ejif-922	119	48	to	to	PART
ejif-922	119	49	obtain	obtain	VERB
ejif-922	119	50	net	net	ADJ
ejif-922	119	51	national	national	ADJ
ejif-922	119	52	saving	saving	NOUN
ejif-922	119	53	;	;	PUNCT
ejif-922	119	54	(	(	PUNCT
ejif-922	119	55	ii	ii	NOUN
ejif-922	119	56	)	)	PUNCT
ejif-922	119	57	current	current	ADJ
ejif-922	119	58	public	public	ADJ
ejif-922	119	59	expenditure	expenditure	NOUN
ejif-922	119	60	on	on	ADP
ejif-922	119	61	education	education	NOUN
ejif-922	119	62	is	be	AUX
ejif-922	119	63	added	add	VERB
ejif-922	119	64	to	to	PART
ejif-922	119	65	account	account	VERB
ejif-922	119	66	for	for	ADP
ejif-922	119	67	investment	investment	NOUN
ejif-922	119	68	in	in	ADP
ejif-922	119	69	human	human	ADJ
ejif-922	119	70	capital	capital	NOUN
ejif-922	119	71	;	;	PUNCT
ejif-922	119	72	(	(	PUNCT
ejif-922	119	73	iii	iii	X
ejif-922	119	74	)	)	PUNCT
ejif-922	119	75	estimates	estimate	NOUN
ejif-922	119	76	of	of	ADP
ejif-922	119	77	the	the	DET
ejif-922	119	78	depletion	depletion	NOUN
ejif-922	119	79	of	of	ADP
ejif-922	119	80	a	a	DET
ejif-922	119	81	variety	variety	NOUN
ejif-922	119	82	of	of	ADP
ejif-922	119	83	natural	natural	ADJ
ejif-922	119	84	resources	resource	NOUN
ejif-922	119	85	are	be	AUX
ejif-922	119	86	deducted	deduct	VERB
ejif-922	119	87	to	to	PART
ejif-922	119	88	reflect	reflect	VERB
ejif-922	119	89	the	the	DET
ejif-922	119	90	decline	decline	NOUN
ejif-922	119	91	in	in	ADP
ejif-922	119	92	asset	asset	NOUN
ejif-922	119	93	values	value	NOUN
ejif-922	119	94	associated	associate	VERB
ejif-922	119	95	with	with	ADP
ejif-922	119	96	extraction	extraction	NOUN
ejif-922	119	97	and	and	CCONJ
ejif-922	119	98	depletion	depletion	NOUN
ejif-922	119	99	;	;	PUNCT
ejif-922	119	100	(	(	PUNCT
ejif-922	119	101	iv	iv	X
ejif-922	119	102	)	)	PUNCT
ejif-922	119	103	deductions	deduction	NOUN
ejif-922	119	104	are	be	AUX
ejif-922	119	105	made	make	VERB
ejif-922	119	106	for	for	ADP
ejif-922	119	107	damages	damage	NOUN
ejif-922	119	108	from	from	ADP
ejif-922	119	109	carbon	carbon	NOUN
ejif-922	119	110	dioxide	dioxide	NOUN
ejif-922	119	111	and	and	CCONJ
ejif-922	119	112	particulate	particulate	NOUN
ejif-922	119	113	emissions	emission	NOUN
ejif-922	119	114	.	.	PUNCT
ejif-922	120	1	the	the	DET
ejif-922	120	2	indicator	indicator	NOUN
ejif-922	120	3	is	be	AUX
ejif-922	120	4	then	then	ADV
ejif-922	120	5	computed	compute	VERB
ejif-922	120	6	by	by	ADP
ejif-922	120	7	dividing	divide	VERB
ejif-922	120	8	ans	an	NOUN
ejif-922	120	9	by	by	ADP
ejif-922	120	10	gni	gni	PROPN
ejif-922	120	11	.	.	PUNCT
ejif-922	121	1	adjusted	adjust	VERB
ejif-922	121	2	net	net	ADJ
ejif-922	121	3	saving	saving	NOUN
ejif-922	121	4	measure	measure	NOUN
ejif-922	121	5	the	the	DET
ejif-922	121	6	change	change	NOUN
ejif-922	121	7	in	in	ADP
ejif-922	121	8	value	value	NOUN
ejif-922	121	9	of	of	ADP
ejif-922	121	10	a	a	DET
ejif-922	121	11	specified	specified	ADJ
ejif-922	121	12	set	set	NOUN
ejif-922	121	13	of	of	ADP
ejif-922	121	14	assets	asset	NOUN
ejif-922	121	15	,	,	PUNCT
ejif-922	121	16	excluding	exclude	VERB
ejif-922	121	17	capital	capital	NOUN
ejif-922	121	18	gains	gain	NOUN
ejif-922	121	19	.	.	PUNCT
ejif-922	122	1	if	if	SCONJ
ejif-922	122	2	a	a	DET
ejif-922	122	3	country‟s	country‟s	ADJ
ejif-922	122	4	net	net	ADJ
ejif-922	122	5	saving	saving	NOUN
ejif-922	122	6	is	be	AUX
ejif-922	122	7	positive	positive	ADJ
ejif-922	122	8	and	and	CCONJ
ejif-922	122	9	the	the	DET
ejif-922	122	10	accounting	accounting	NOUN
ejif-922	122	11	variables	variable	VERB
ejif-922	122	12	positive	positive	ADJ
ejif-922	122	13	significant	significant	ADJ
ejif-922	122	14	negative	negative	ADJ
ejif-922	122	15	significant	significant	ADJ
ejif-922	122	16	insignificant	insignificant	ADJ
ejif-922	122	17	hypothesized	hypothesized	ADJ
ejif-922	122	18	relationship	relationship	NOUN
ejif-922	122	19	bank	bank	NOUN
ejif-922	122	20	-	-	PUNCT
ejif-922	122	21	specific	specific	ADJ
ejif-922	122	22	determinants	determinant	NOUN
ejif-922	122	23	capital	capital	NOUN
ejif-922	122	24	adequacy	adequacy	NOUN
ejif-922	122	25	ratio	ratio	PROPN
ejif-922	122	26	kyriakikosmidou	kyriakikosmidou	PROPN
ejif-922	122	27	,	,	PUNCT
ejif-922	122	28	saleishtanna	saleishtanna	NOUN
ejif-922	122	29	and	and	CCONJ
ejif-922	122	30	pasioras	pasioras	NOUN
ejif-922	122	31	(	(	PUNCT
ejif-922	122	32	2005	2005	NUM
ejif-922	122	33	)	)	PUNCT
ejif-922	122	34	;	;	PUNCT
ejif-922	123	1	goddard	goddard	PROPN
ejif-922	123	2	,	,	PUNCT
ejif-922	123	3	molyneux	molyneux	PROPN
ejif-922	123	4	and	and	CCONJ
ejif-922	123	5	wilson	wilson	PROPN
ejif-922	123	6	(	(	PUNCT
ejif-922	123	7	2004	2004	NUM
ejif-922	123	8	)	)	PUNCT
ejif-922	123	9	hassan	hassan	PROPN
ejif-922	123	10	and	and	CCONJ
ejif-922	123	11	bashir	bashir	PROPN
ejif-922	123	12	(	(	PUNCT
ejif-922	123	13	2003	2003	NUM
ejif-922	123	14	)	)	PUNCT
ejif-922	123	15	short	short	ADJ
ejif-922	123	16	(	(	PUNCT
ejif-922	123	17	1979	1979	NUM
ejif-922	123	18	)	)	PUNCT
ejif-922	123	19	chirawa	chirawa	PROPN
ejif-922	123	20	(	(	PUNCT
ejif-922	123	21	2003	2003	NUM
ejif-922	123	22	)	)	PUNCT
ejif-922	123	23	positive/	positive/	NUM
ejif-922	123	24	negative	negative	ADJ
ejif-922	123	25	liquidity	liquidity	NOUN
ejif-922	123	26	ratio	ratio	NOUN
ejif-922	123	27	kyriakikosmidou	kyriakikosmidou	PROPN
ejif-922	123	28	,	,	PUNCT
ejif-922	123	29	saleishtanna	saleishtanna	NOUN
ejif-922	123	30	and	and	CCONJ
ejif-922	123	31	pasioras	pasioras	NOUN
ejif-922	123	32	(	(	PUNCT
ejif-922	123	33	2005	2005	NUM
ejif-922	123	34	)	)	PUNCT
ejif-922	123	35	;	;	PUNCT
ejif-922	123	36	maghyereh	maghyereh	NOUN
ejif-922	123	37	and	and	CCONJ
ejif-922	123	38	shammout	shammout	PROPN
ejif-922	123	39	(	(	PUNCT
ejif-922	123	40	2004	2004	NUM
ejif-922	123	41	)	)	PUNCT
ejif-922	123	42	bashir	bashir	NOUN
ejif-922	123	43	(	(	PUNCT
ejif-922	123	44	2000	2000	NUM
ejif-922	123	45	)	)	PUNCT
ejif-922	123	46	;	;	PUNCT
ejif-922	123	47	hassan	hassan	PROPN
ejif-922	123	48	and	and	CCONJ
ejif-922	123	49	bashir	bashir	PROPN
ejif-922	123	50	(	(	PUNCT
ejif-922	123	51	2003	2003	NUM
ejif-922	123	52	)	)	PUNCT
ejif-922	123	53	negative	negative	ADJ
ejif-922	123	54	overhead	overhead	ADJ
ejif-922	123	55	expenses	expense	NOUN
ejif-922	123	56	ratio	ratio	NOUN
ejif-922	123	57	ben	ben	PROPN
ejif-922	123	58	naucer	naucer	PROPN
ejif-922	123	59	and	and	CCONJ
ejif-922	123	60	goaied	goaie	VERB
ejif-922	123	61	(	(	PUNCT
ejif-922	123	62	2001	2001	NUM
ejif-922	123	63	)	)	PUNCT
ejif-922	123	64	;	;	PUNCT
ejif-922	123	65	hasasn	hasasn	NOUN
ejif-922	123	66	and	and	CCONJ
ejif-922	123	67	bashir	bashir	PROPN
ejif-922	123	68	(	(	PUNCT
ejif-922	123	69	2003	2003	NUM
ejif-922	123	70	)	)	PUNCT
ejif-922	123	71	kyriakikosmidou	kyriakikosmidou	PROPN
ejif-922	123	72	,	,	PUNCT
ejif-922	123	73	saleishtanna	saleishtanna	NOUN
ejif-922	123	74	and	and	CCONJ
ejif-922	123	75	pasioras	pasioras	NOUN
ejif-922	123	76	(	(	PUNCT
ejif-922	123	77	2005	2005	NUM
ejif-922	123	78	)	)	PUNCT
ejif-922	123	79	;	;	PUNCT
ejif-922	123	80	guru	guru	NOUN
ejif-922	123	81	er	er	INTJ
ejif-922	123	82	al	al	PROPN
ejif-922	123	83	.	.	PROPN
ejif-922	124	1	(	(	PUNCT
ejif-922	124	2	2005	2005	NUM
ejif-922	124	3	)	)	PUNCT
ejif-922	124	4	negative	negative	ADJ
ejif-922	124	5	asset	asset	NOUN
ejif-922	124	6	quality	quality	NOUN
ejif-922	124	7	ratio	ratio	NOUN
ejif-922	124	8	miller	miller	PROPN
ejif-922	124	9	and	and	CCONJ
ejif-922	124	10	noulas	noulas	PROPN
ejif-922	124	11	(	(	PUNCT
ejif-922	124	12	1997	1997	NUM
ejif-922	124	13	)	)	PUNCT
ejif-922	124	14	negative	negative	ADJ
ejif-922	124	15	macroeconomic	macroeconomic	ADJ
ejif-922	124	16	determinants	determinant	NOUN
ejif-922	124	17	gdp	gdp	NOUN
ejif-922	124	18	growth	growth	NOUN
ejif-922	124	19	rate	rate	NOUN
ejif-922	124	20	sauders	sauder	NOUN
ejif-922	124	21	et	et	NOUN
ejif-922	124	22	al	al	PROPN
ejif-922	124	23	.	.	PROPN
ejif-922	124	24	,	,	PUNCT
ejif-922	124	25	(	(	PUNCT
ejif-922	124	26	1990	1990	NUM
ejif-922	124	27	)	)	PUNCT
ejif-922	124	28	;	;	PUNCT
ejif-922	124	29	baerger	baerger	PROPN
ejif-922	124	30	et	et	PROPN
ejif-922	124	31	al	al	PROPN
ejif-922	124	32	.	.	PROPN
ejif-922	124	33	,	,	PUNCT
ejif-922	124	34	(	(	PUNCT
ejif-922	124	35	1995	1995	NUM
ejif-922	124	36	)	)	PUNCT
ejif-922	124	37	positive/	positive/	NUM
ejif-922	124	38	negative	negative	ADJ
ejif-922	124	39	inflation	inflation	NOUN
ejif-922	124	40	staikouras	staikoura	NOUN
ejif-922	124	41	and	and	CCONJ
ejif-922	124	42	wood	wood	NOUN
ejif-922	124	43	(	(	PUNCT
ejif-922	124	44	2003	2003	NUM
ejif-922	124	45	)	)	PUNCT
ejif-922	124	46	positive	positive	ADJ
ejif-922	124	47	money	money	NOUN
ejif-922	124	48	supply	supply	NOUN
ejif-922	124	49	(	(	PUNCT
ejif-922	124	50	m2	m2	PROPN
ejif-922	124	51	)	)	PUNCT
ejif-922	124	52	kok	kok	PROPN
ejif-922	124	53	et	et	PROPN
ejif-922	124	54	al	al	PROPN
ejif-922	124	55	(	(	PUNCT
ejif-922	124	56	2012	2012	NUM
ejif-922	124	57	)	)	PUNCT
ejif-922	124	58	;	;	PUNCT
ejif-922	124	59	srairi	srairi	NOUN
ejif-922	124	60	(	(	PUNCT
ejif-922	124	61	2009	2009	NUM
ejif-922	124	62	)	)	PUNCT
ejif-922	124	63	positive/	positive/	NUM
ejif-922	124	64	negative	negative	ADJ
ejif-922	124	65	ans	an	NOUN
ejif-922	124	66	by	by	ADP
ejif-922	124	67	gni	gni	PROPN
ejif-922	124	68	bernheim	bernheim	PROPN
ejif-922	124	69	and	and	CCONJ
ejif-922	124	70	shoven	shoven	NOUN
ejif-922	124	71	(	(	PUNCT
ejif-922	124	72	1991	1991	NUM
ejif-922	124	73	)	)	PUNCT
ejif-922	124	74	positive/	positive/	NUM
ejif-922	124	75	negative	negative	ADJ
ejif-922	124	76	table	table	NOUN
ejif-922	124	77	3	3	NUM
ejif-922	124	78	:	:	PUNCT
ejif-922	124	79	sketch	sketch	NOUN
ejif-922	124	80	of	of	ADP
ejif-922	124	81	literature	literature	NOUN
ejif-922	124	82	review	review	NOUN
ejif-922	124	83	includes	include	VERB
ejif-922	124	84	a	a	DET
ejif-922	124	85	sufficiently	sufficiently	ADV
ejif-922	124	86	broad	broad	ADJ
ejif-922	124	87	range	range	NOUN
ejif-922	124	88	of	of	ADP
ejif-922	124	89	assets	asset	NOUN
ejif-922	124	90	,	,	PUNCT
ejif-922	124	91	economic	economic	ADJ
ejif-922	124	92	theory	theory	NOUN
ejif-922	124	93	suggests	suggest	VERB
ejif-922	124	94	that	that	SCONJ
ejif-922	124	95	the	the	DET
ejif-922	124	96	present	present	ADJ
ejif-922	124	97	value	value	NOUN
ejif-922	124	98	of	of	ADP
ejif-922	124	99	social	social	ADJ
ejif-922	124	100	welfare	welfare	NOUN
ejif-922	124	101	is	be	AUX
ejif-922	124	102	increasing	increase	VERB
ejif-922	124	103	.	.	PUNCT
ejif-922	125	1	conversely	conversely	ADV
ejif-922	125	2	,	,	PUNCT
ejif-922	125	3	persistently	persistently	ADV
ejif-922	125	4	negative	negative	ADJ
ejif-922	125	5	adjusted	adjusted	ADJ
ejif-922	125	6	net	net	ADJ
ejif-922	125	7	saving	saving	NOUN
ejif-922	125	8	indicates	indicate	VERB
ejif-922	125	9	that	that	SCONJ
ejif-922	125	10	an	an	DET
ejif-922	125	11	economy	economy	NOUN
ejif-922	125	12	is	be	AUX
ejif-922	125	13	on	on	ADP
ejif-922	125	14	an	an	DET
ejif-922	125	15	unsustainable	unsustainable	ADJ
ejif-922	125	16	path	path	NOUN
ejif-922	125	17	.	.	PUNCT
ejif-922	126	1	bernheim	bernheim	PROPN
ejif-922	126	2	and	and	CCONJ
ejif-922	126	3	shoven	shoven	ADJ
ejif-922	126	4	(	(	PUNCT
ejif-922	126	5	1991	1991	NUM
ejif-922	126	6	)	)	PUNCT
ejif-922	126	7	have	have	AUX
ejif-922	126	8	found	find	VERB
ejif-922	126	9	there	there	PRON
ejif-922	126	10	is	be	VERB
ejif-922	126	11	a	a	DET
ejif-922	126	12	positive	positive	ADJ
ejif-922	126	13	relationship	relationship	NOUN
ejif-922	126	14	between	between	ADP
ejif-922	126	15	adjusted	adjusted	ADJ
ejif-922	126	16	net	net	ADJ
ejif-922	126	17	saving	saving	NOUN
ejif-922	126	18	(	(	PUNCT
ejif-922	126	19	ans	an	NOUN
ejif-922	126	20	)	)	PUNCT
ejif-922	126	21	as	as	ADP
ejif-922	126	22	a	a	DET
ejif-922	126	23	percentage	percentage	NOUN
ejif-922	126	24	of	of	ADP
ejif-922	126	25	gross	gross	ADJ
ejif-922	126	26	national	national	ADJ
ejif-922	126	27	income	income	NOUN
ejif-922	126	28	(	(	PUNCT
ejif-922	126	29	gni	gni	NOUN
ejif-922	126	30	)	)	PUNCT
ejif-922	126	31	.	.	PUNCT
ejif-922	127	1	ejif	ejif	PROPN
ejif-922	127	2	–	–	PUNCT
ejif-922	127	3	european	european	PROPN
ejif-922	127	4	journal	journal	PROPN
ejif-922	127	5	of	of	ADP
ejif-922	127	6	islamic	islamic	PROPN
ejif-922	127	7	finance	finance	NOUN
ejif-922	127	8	no2	no2	PROPN
ejif-922	127	9	,	,	PUNCT
ejif-922	127	10	april	april	PROPN
ejif-922	127	11	(	(	PUNCT
ejif-922	127	12	2015	2015	NUM
ejif-922	127	13	)	)	PUNCT
ejif-922	128	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	128	2	issn	issn	VERB
ejif-922	128	3	2421	2421	NUM
ejif-922	128	4	-	-	SYM
ejif-922	128	5	2172	2172	NUM
ejif-922	128	6	6	6	NUM
ejif-922	128	7	vi	vi	NOUN
ejif-922	128	8	.	.	PUNCT
ejif-922	128	9	results	result	NOUN
ejif-922	128	10	&	&	CCONJ
ejif-922	128	11	analysis	analysis	NOUN
ejif-922	128	12	:	:	PUNCT
ejif-922	128	13	the	the	DET
ejif-922	128	14	study	study	NOUN
ejif-922	128	15	tries	try	VERB
ejif-922	128	16	to	to	PART
ejif-922	128	17	find	find	VERB
ejif-922	128	18	the	the	DET
ejif-922	128	19	impact	impact	NOUN
ejif-922	128	20	of	of	ADP
ejif-922	128	21	internal	internal	ADJ
ejif-922	128	22	factors	factor	NOUN
ejif-922	128	23	and	and	CCONJ
ejif-922	128	24	external	external	ADJ
ejif-922	128	25	factors	factor	NOUN
ejif-922	128	26	of	of	ADP
ejif-922	128	27	the	the	DET
ejif-922	128	28	performance	performance	NOUN
ejif-922	128	29	of	of	ADP
ejif-922	128	30	return	return	NOUN
ejif-922	128	31	on	on	ADP
ejif-922	128	32	assets	asset	NOUN
ejif-922	128	33	(	(	PUNCT
ejif-922	128	34	roaa	roaa	PROPN
ejif-922	128	35	)	)	PUNCT
ejif-922	128	36	in	in	ADP
ejif-922	128	37	the	the	DET
ejif-922	128	38	following	following	ADJ
ejif-922	128	39	manner	manner	NOUN
ejif-922	128	40	:	:	PUNCT
ejif-922	128	41	a.	a.	NOUN
ejif-922	128	42	descriptive	descriptive	ADJ
ejif-922	128	43	analysis	analysis	NOUN
ejif-922	128	44	:	:	PUNCT
ejif-922	128	45	to	to	PART
ejif-922	128	46	analyze	analyze	VERB
ejif-922	128	47	the	the	DET
ejif-922	128	48	result	result	NOUN
ejif-922	128	49	of	of	ADP
ejif-922	128	50	the	the	DET
ejif-922	128	51	study	study	NOUN
ejif-922	128	52	,	,	PUNCT
ejif-922	128	53	first	first	ADV
ejif-922	128	54	it	it	PRON
ejif-922	128	55	is	be	AUX
ejif-922	128	56	useful	useful	ADJ
ejif-922	128	57	to	to	PART
ejif-922	128	58	comment	comment	VERB
ejif-922	128	59	on	on	ADP
ejif-922	128	60	some	some	DET
ejif-922	128	61	preliminary	preliminary	ADJ
ejif-922	128	62	features	feature	NOUN
ejif-922	128	63	of	of	ADP
ejif-922	128	64	our	our	PRON
ejif-922	128	65	data	datum	NOUN
ejif-922	128	66	.	.	PUNCT
ejif-922	129	1	table	table	NOUN
ejif-922	129	2	4	4	NUM
ejif-922	129	3	shows	show	VERB
ejif-922	129	4	descriptive	descriptive	ADJ
ejif-922	129	5	statistics	statistic	NOUN
ejif-922	129	6	for	for	ADP
ejif-922	129	7	the	the	DET
ejif-922	129	8	profitability	profitability	NOUN
ejif-922	129	9	(	(	PUNCT
ejif-922	129	10	roaa	roaa	PROPN
ejif-922	129	11	)	)	PUNCT
ejif-922	129	12	and	and	CCONJ
ejif-922	129	13	the	the	DET
ejif-922	129	14	bank	bank	NOUN
ejif-922	129	15	-	-	PUNCT
ejif-922	129	16	specific	specific	ADJ
ejif-922	129	17	,	,	PUNCT
ejif-922	129	18	industry	industry	NOUN
ejif-922	129	19	-	-	PUNCT
ejif-922	129	20	specific	specific	ADJ
ejif-922	129	21	and	and	CCONJ
ejif-922	129	22	macroeconomic	macroeconomic	ADJ
ejif-922	129	23	variables	variable	NOUN
ejif-922	129	24	used	use	VERB
ejif-922	129	25	in	in	ADP
ejif-922	129	26	our	our	PRON
ejif-922	129	27	model	model	NOUN
ejif-922	129	28	.	.	PUNCT
ejif-922	130	1	in	in	ADP
ejif-922	130	2	average	average	ADJ
ejif-922	130	3	,	,	PUNCT
ejif-922	130	4	the	the	DET
ejif-922	130	5	return	return	NOUN
ejif-922	130	6	on	on	ADP
ejif-922	130	7	average	average	ADJ
ejif-922	130	8	asset	asset	NOUN
ejif-922	130	9	of	of	ADP
ejif-922	130	10	10	10	NUM
ejif-922	130	11	islamic	islamic	PROPN
ejif-922	130	12	bank	bank	PROPN
ejif-922	130	13	used	use	VERB
ejif-922	130	14	in	in	ADP
ejif-922	130	15	this	this	DET
ejif-922	130	16	study	study	NOUN
ejif-922	130	17	are	be	AUX
ejif-922	130	18	0.48	0.48	NUM
ejif-922	130	19	however	however	ADV
ejif-922	130	20	,	,	PUNCT
ejif-922	130	21	the	the	DET
ejif-922	130	22	mean	mean	NOUN
ejif-922	130	23	of	of	ADP
ejif-922	130	24	all	all	DET
ejif-922	130	25	other	other	ADJ
ejif-922	130	26	independent	independent	ADJ
ejif-922	130	27	variables	variable	NOUN
ejif-922	130	28	are	be	AUX
ejif-922	130	29	positive	positive	ADJ
ejif-922	130	30	.	.	PUNCT
ejif-922	131	1	table	table	NOUN
ejif-922	131	2	4	4	NUM
ejif-922	131	3	:	:	PUNCT
ejif-922	131	4	descriptive	descriptive	ADJ
ejif-922	131	5	statistics	statistic	NOUN
ejif-922	131	6	notes	note	VERB
ejif-922	131	7	:	:	PUNCT
ejif-922	131	8	the	the	DET
ejif-922	131	9	dependent	dependent	ADJ
ejif-922	131	10	variable	variable	NOUN
ejif-922	131	11	is	be	AUX
ejif-922	131	12	roa	roa	PROPN
ejif-922	131	13	is	be	AUX
ejif-922	131	14	calculated	calculate	VERB
ejif-922	131	15	as	as	ADP
ejif-922	131	16	net	net	ADJ
ejif-922	131	17	profit	profit	NOUN
ejif-922	131	18	divided	divide	VERB
ejif-922	131	19	by	by	ADP
ejif-922	131	20	total	total	ADJ
ejif-922	131	21	assets	asset	NOUN
ejif-922	131	22	.	.	PUNCT
ejif-922	132	1	llp	llp	PROPN
ejif-922	132	2	/	/	SYM
ejif-922	132	3	tl	tl	PROPN
ejif-922	132	4	is	be	AUX
ejif-922	132	5	a	a	DET
ejif-922	132	6	measure	measure	NOUN
ejif-922	132	7	of	of	ADP
ejif-922	132	8	credit	credit	NOUN
ejif-922	132	9	risk	risk	NOUN
ejif-922	132	10	calculated	calculate	VERB
ejif-922	132	11	as	as	ADP
ejif-922	132	12	the	the	DET
ejif-922	132	13	ratio	ratio	NOUN
ejif-922	132	14	of	of	ADP
ejif-922	132	15	total	total	ADJ
ejif-922	132	16	loan	loan	NOUN
ejif-922	132	17	loss	loss	NOUN
ejif-922	132	18	provisions	provision	NOUN
ejif-922	132	19	by	by	ADP
ejif-922	132	20	total	total	ADJ
ejif-922	132	21	assets	asset	NOUN
ejif-922	132	22	.	.	PUNCT
ejif-922	133	1	eqass	eqass	NOUN
ejif-922	133	2	is	be	AUX
ejif-922	133	3	a	a	DET
ejif-922	133	4	measure	measure	NOUN
ejif-922	133	5	of	of	ADP
ejif-922	133	6	capitalization	capitalization	NOUN
ejif-922	133	7	,	,	PUNCT
ejif-922	133	8	calculated	calculate	VERB
ejif-922	133	9	as	as	ADP
ejif-922	133	10	book	book	NOUN
ejif-922	133	11	value	value	NOUN
ejif-922	133	12	of	of	ADP
ejif-922	133	13	shareholders	shareholder	NOUN
ejif-922	133	14	equity	equity	NOUN
ejif-922	133	15	as	as	ADP
ejif-922	133	16	a	a	DET
ejif-922	133	17	fraction	fraction	NOUN
ejif-922	133	18	of	of	ADP
ejif-922	133	19	total	total	ADJ
ejif-922	133	20	assets	asset	NOUN
ejif-922	133	21	.	.	PUNCT
ejif-922	134	1	cir	cir	PROPN
ejif-922	134	2	is	be	AUX
ejif-922	134	3	proxy	proxy	ADJ
ejif-922	134	4	measure	measure	NOUN
ejif-922	134	5	for	for	ADP
ejif-922	134	6	the	the	DET
ejif-922	134	7	operating	operating	NOUN
ejif-922	134	8	efficiency	efficiency	NOUN
ejif-922	134	9	of	of	ADP
ejif-922	134	10	management	management	NOUN
ejif-922	134	11	quality	quality	NOUN
ejif-922	134	12	,	,	PUNCT
ejif-922	134	13	calculated	calculate	VERB
ejif-922	134	14	as	as	ADP
ejif-922	134	15	personnel	personnel	NOUN
ejif-922	134	16	expenses	expense	NOUN
ejif-922	134	17	divided	divide	VERB
ejif-922	134	18	by	by	ADP
ejif-922	134	19	total	total	ADJ
ejif-922	134	20	assets	asset	NOUN
ejif-922	134	21	;	;	PUNCT
ejif-922	134	22	loans	loan	NOUN
ejif-922	134	23	/	/	SYM
ejif-922	134	24	ta	ta	PROPN
ejif-922	134	25	is	be	AUX
ejif-922	134	26	used	use	VERB
ejif-922	134	27	as	as	ADP
ejif-922	134	28	a	a	DET
ejif-922	134	29	proxy	proxy	NOUN
ejif-922	134	30	measure	measure	NOUN
ejif-922	134	31	for	for	ADP
ejif-922	134	32	credit	credit	NOUN
ejif-922	134	33	risk	risk	NOUN
ejif-922	134	34	,	,	PUNCT
ejif-922	134	35	calculated	calculate	VERB
ejif-922	134	36	as	as	ADP
ejif-922	134	37	total	total	ADJ
ejif-922	134	38	loans	loan	NOUN
ejif-922	134	39	divided	divide	VERB
ejif-922	134	40	by	by	ADP
ejif-922	134	41	total	total	ADJ
ejif-922	134	42	assets	asset	NOUN
ejif-922	134	43	.	.	PUNCT
ejif-922	135	1	gdpgr	gdpgr	PROPN
ejif-922	135	2	is	be	AUX
ejif-922	135	3	the	the	DET
ejif-922	135	4	gdp	gdp	NOUN
ejif-922	135	5	growth	growth	NOUN
ejif-922	135	6	rate	rate	NOUN
ejif-922	135	7	.	.	PUNCT
ejif-922	136	1	infli	infli	PROPN
ejif-922	136	2	is	be	AUX
ejif-922	136	3	the	the	DET
ejif-922	136	4	inflation	inflation	NOUN
ejif-922	136	5	rate	rate	NOUN
ejif-922	136	6	.	.	PUNCT
ejif-922	137	1	here	here	ADV
ejif-922	137	2	all	all	DET
ejif-922	137	3	the	the	DET
ejif-922	137	4	variables	variable	NOUN
ejif-922	137	5	are	be	AUX
ejif-922	137	6	in	in	ADP
ejif-922	137	7	ratio	ratio	NOUN
ejif-922	137	8	form	form	NOUN
ejif-922	137	9	except	except	SCONJ
ejif-922	137	10	the	the	DET
ejif-922	137	11	gdpgr	gdpgr	NOUN
ejif-922	137	12	and	and	CCONJ
ejif-922	137	13	inflation	inflation	NOUN
ejif-922	137	14	rate	rate	NOUN
ejif-922	137	15	where	where	SCONJ
ejif-922	137	16	these	these	DET
ejif-922	137	17	two	two	NUM
ejif-922	137	18	are	be	AUX
ejif-922	137	19	in	in	ADP
ejif-922	137	20	percentage	percentage	NOUN
ejif-922	137	21	form	form	NOUN
ejif-922	137	22	.	.	PUNCT
ejif-922	138	1	the	the	DET
ejif-922	138	2	mean	mean	NOUN
ejif-922	138	3	of	of	ADP
ejif-922	138	4	liquidity	liquidity	NOUN
ejif-922	138	5	ratio	ratio	NOUN
ejif-922	138	6	is	be	AUX
ejif-922	138	7	the	the	DET
ejif-922	138	8	largest	large	ADJ
ejif-922	138	9	(	(	PUNCT
ejif-922	138	10	51.81	51.81	NUM
ejif-922	138	11	)	)	PUNCT
ejif-922	138	12	and	and	CCONJ
ejif-922	138	13	varies	vary	VERB
ejif-922	138	14	greatly	greatly	ADV
ejif-922	138	15	across	across	ADP
ejif-922	138	16	banks	bank	NOUN
ejif-922	138	17	(	(	PUNCT
ejif-922	138	18	max	max	PROPN
ejif-922	138	19	=	=	SYM
ejif-922	138	20	77.74	77.74	NUM
ejif-922	138	21	and	and	CCONJ
ejif-922	138	22	min	min	NOUN
ejif-922	139	1	=	=	NOUN
ejif-922	139	2	6.33	6.33	NUM
ejif-922	139	3	)	)	PUNCT
ejif-922	139	4	.	.	PUNCT
ejif-922	140	1	in	in	ADP
ejif-922	140	2	average	average	ADJ
ejif-922	140	3	total	total	ADJ
ejif-922	140	4	equity	equity	NOUN
ejif-922	140	5	over	over	ADP
ejif-922	140	6	total	total	ADJ
ejif-922	140	7	assets	asset	NOUN
ejif-922	140	8	is	be	AUX
ejif-922	140	9	7.7	7.7	NUM
ejif-922	140	10	and	and	CCONJ
ejif-922	140	11	standard	standard	ADJ
ejif-922	140	12	deviation	deviation	NOUN
ejif-922	140	13	is	be	AUX
ejif-922	140	14	3.72	3.72	NUM
ejif-922	140	15	.	.	PUNCT
ejif-922	141	1	as	as	ADP
ejif-922	141	2	of	of	ADP
ejif-922	141	3	credit	credit	NOUN
ejif-922	141	4	ratio	ratio	NOUN
ejif-922	141	5	,	,	PUNCT
ejif-922	141	6	and	and	CCONJ
ejif-922	141	7	operation	operation	NOUN
ejif-922	141	8	efficiency	efficiency	NOUN
ejif-922	141	9	shows	show	VERB
ejif-922	141	10	a	a	DET
ejif-922	141	11	mean	mean	NOUN
ejif-922	141	12	of	of	ADP
ejif-922	141	13	3.46	3.46	NUM
ejif-922	141	14	and	and	CCONJ
ejif-922	141	15	1.69	1.69	NUM
ejif-922	141	16	respectively	respectively	ADV
ejif-922	141	17	.	.	PUNCT
ejif-922	142	1	over	over	ADP
ejif-922	142	2	the	the	DET
ejif-922	142	3	period	period	NOUN
ejif-922	142	4	the	the	DET
ejif-922	142	5	average	average	ADJ
ejif-922	142	6	gross	gross	ADJ
ejif-922	142	7	domestic	domestic	ADJ
ejif-922	142	8	product	product	NOUN
ejif-922	142	9	growth	growth	NOUN
ejif-922	142	10	rate	rate	NOUN
ejif-922	142	11	of	of	ADP
ejif-922	142	12	malaysia	malaysia	PROPN
ejif-922	142	13	is	be	AUX
ejif-922	142	14	3.70	3.70	NUM
ejif-922	142	15	%	%	NOUN
ejif-922	142	16	,	,	PUNCT
ejif-922	142	17	while	while	SCONJ
ejif-922	142	18	inflation	inflation	NOUN
ejif-922	142	19	is	be	AUX
ejif-922	142	20	2.80	2.80	NUM
ejif-922	142	21	%	%	NOUN
ejif-922	142	22	.	.	PUNCT
ejif-922	143	1	from	from	ADP
ejif-922	143	2	the	the	DET
ejif-922	143	3	macroeconomic	macroeconomic	ADJ
ejif-922	143	4	perspective	perspective	NOUN
ejif-922	143	5	,	,	PUNCT
ejif-922	143	6	the	the	DET
ejif-922	143	7	average	average	NOUN
ejif-922	143	8	of	of	ADP
ejif-922	143	9	gdp	gdp	NOUN
ejif-922	143	10	growth	growth	NOUN
ejif-922	143	11	rate	rate	NOUN
ejif-922	143	12	,	,	PUNCT
ejif-922	143	13	inflation	inflation	NOUN
ejif-922	143	14	,	,	PUNCT
ejif-922	143	15	money	money	NOUN
ejif-922	143	16	supply	supply	NOUN
ejif-922	143	17	and	and	CCONJ
ejif-922	143	18	savings	saving	NOUN
ejif-922	143	19	on	on	ADP
ejif-922	143	20	the	the	DET
ejif-922	143	21	gross	gross	ADJ
ejif-922	143	22	national	national	ADJ
ejif-922	143	23	income	income	NOUN
ejif-922	143	24	are	be	AUX
ejif-922	143	25	3.7	3.7	NUM
ejif-922	143	26	%	%	NOUN
ejif-922	143	27	,	,	PUNCT
ejif-922	143	28	2.8	2.8	NUM
ejif-922	143	29	%	%	NOUN
ejif-922	143	30	,	,	PUNCT
ejif-922	143	31	122.03	122.03	NUM
ejif-922	143	32	%	%	NOUN
ejif-922	143	33	and	and	CCONJ
ejif-922	143	34	36.54	36.54	NUM
ejif-922	143	35	%	%	NOUN
ejif-922	143	36	respectively	respectively	ADV
ejif-922	143	37	.	.	PUNCT
ejif-922	144	1	in	in	ADP
ejif-922	144	2	terms	term	NOUN
ejif-922	144	3	of	of	ADP
ejif-922	144	4	standard	standard	ADJ
ejif-922	144	5	deviation	deviation	NOUN
ejif-922	144	6	,	,	PUNCT
ejif-922	144	7	liquidity	liquidity	NOUN
ejif-922	144	8	risk	risk	NOUN
ejif-922	144	9	is	be	AUX
ejif-922	144	10	the	the	DET
ejif-922	144	11	highest	high	ADJ
ejif-922	144	12	from	from	ADP
ejif-922	144	13	bank	bank	NOUN
ejif-922	144	14	-	-	PUNCT
ejif-922	144	15	specific	specific	ADJ
ejif-922	144	16	factors	factor	NOUN
ejif-922	144	17	and	and	CCONJ
ejif-922	144	18	money	money	NOUN
ejif-922	144	19	supply	supply	NOUN
ejif-922	144	20	is	be	AUX
ejif-922	144	21	the	the	DET
ejif-922	144	22	highest	high	ADJ
ejif-922	144	23	from	from	ADP
ejif-922	144	24	the	the	DET
ejif-922	144	25	macroeconomic	macroeconomic	ADJ
ejif-922	144	26	factors	factor	NOUN
ejif-922	144	27	.	.	PUNCT
ejif-922	145	1	b.	b.	PROPN
ejif-922	145	2	regression	regression	NOUN
ejif-922	145	3	results	result	VERB
ejif-922	145	4	:	:	PUNCT
ejif-922	145	5	this	this	DET
ejif-922	145	6	section	section	NOUN
ejif-922	145	7	shows	show	VERB
ejif-922	145	8	the	the	DET
ejif-922	145	9	regression	regression	NOUN
ejif-922	145	10	analysis	analysis	NOUN
ejif-922	145	11	of	of	ADP
ejif-922	145	12	islamic	islamic	PROPN
ejif-922	145	13	bank‟s	bank‟s	PROPN
ejif-922	145	14	profitability	profitability	NOUN
ejif-922	145	15	and	and	CCONJ
ejif-922	145	16	its	its	PRON
ejif-922	145	17	internal	internal	ADJ
ejif-922	145	18	variables	variable	NOUN
ejif-922	145	19	and	and	CCONJ
ejif-922	145	20	external	external	ADJ
ejif-922	145	21	variables	variable	NOUN
ejif-922	145	22	.	.	PUNCT
ejif-922	146	1	using	use	VERB
ejif-922	146	2	fixed	fix	VERB
ejif-922	146	3	effect	effect	NOUN
ejif-922	146	4	model	model	NOUN
ejif-922	146	5	,	,	PUNCT
ejif-922	146	6	the	the	DET
ejif-922	146	7	regression	regression	NOUN
ejif-922	146	8	are	be	AUX
ejif-922	146	9	run	run	VERB
ejif-922	146	10	using	use	VERB
ejif-922	146	11	e	e	NOUN
ejif-922	146	12	-	-	NOUN
ejif-922	146	13	views	view	NOUN
ejif-922	146	14	8	8	NUM
ejif-922	146	15	.	.	PUNCT
ejif-922	147	1	return	return	NOUN
ejif-922	147	2	on	on	ADP
ejif-922	147	3	average	average	ADJ
ejif-922	147	4	assets	asset	NOUN
ejif-922	147	5	are	be	AUX
ejif-922	147	6	regressed	regress	VERB
ejif-922	147	7	with	with	ADP
ejif-922	147	8	8	8	NUM
ejif-922	147	9	independent	independent	ADJ
ejif-922	147	10	variables	variable	NOUN
ejif-922	147	11	taken	take	VERB
ejif-922	147	12	from	from	ADP
ejif-922	147	13	the	the	DET
ejif-922	147	14	period	period	NOUN
ejif-922	147	15	of	of	ADP
ejif-922	147	16	2007	2007	NUM
ejif-922	147	17	-	-	SYM
ejif-922	147	18	2013	2013	NUM
ejif-922	147	19	.	.	PUNCT
ejif-922	148	1	the	the	DET
ejif-922	148	2	table	table	NOUN
ejif-922	148	3	below	below	ADV
ejif-922	148	4	shows	show	VERB
ejif-922	148	5	the	the	DET
ejif-922	148	6	result	result	NOUN
ejif-922	148	7	:	:	PUNCT
ejif-922	148	8	variables	variable	NOUN
ejif-922	148	9	coefficient	coefficient	VERB
ejif-922	148	10	standard	standard	ADJ
ejif-922	148	11	error	error	NOUN
ejif-922	148	12	p	p	ADJ
ejif-922	148	13	-	-	PUNCT
ejif-922	148	14	value	value	NOUN
ejif-922	148	15	bank	bank	NOUN
ejif-922	148	16	specific	specific	ADJ
ejif-922	148	17	variable	variable	NOUN
ejif-922	148	18	:	:	PUNCT
ejif-922	148	19	asset	asset	NOUN
ejif-922	148	20	quality(loan	quality(loan	PROPN
ejif-922	148	21	loss	loss	NOUN
ejif-922	148	22	provision	provision	NOUN
ejif-922	148	23	/	/	SYM
ejif-922	148	24	gross	gross	ADJ
ejif-922	148	25	loan	loan	NOUN
ejif-922	148	26	)	)	PUNCT
ejif-922	148	27	0.048689	0.048689	NUM
ejif-922	148	28	0.064734	0.064734	NUM
ejif-922	148	29	0.4636	0.4636	NUM
ejif-922	148	30	capital	capital	NOUN
ejif-922	148	31	(	(	PUNCT
ejif-922	148	32	operational	operational	ADJ
ejif-922	148	33	risk	risk	NOUN
ejif-922	148	34	)	)	PUNCT
ejif-922	148	35	0.120792	0.120792	NUM
ejif-922	148	36	*	*	PUNCT
ejif-922	148	37	*	*	PUNCT
ejif-922	148	38	0.053717	0.053717	NUM
ejif-922	148	39	0.0400	0.0400	NUM
ejif-922	148	40	liquidity	liquidity	NOUN
ejif-922	148	41	(	(	PUNCT
ejif-922	148	42	capital	capital	NOUN
ejif-922	148	43	adequacy	adequacy	NOUN
ejif-922	148	44	)	)	PUNCT
ejif-922	148	45	0.006702	0.006702	NUM
ejif-922	148	46	0.013801	0.013801	NUM
ejif-922	148	47	0.6343	0.6343	NUM
ejif-922	148	48	operation(cir	operation(cir	NOUN
ejif-922	148	49	)	)	PUNCT
ejif-922	148	50	-0.9261	-0.9261	NOUN
ejif-922	148	51	*	*	PUNCT
ejif-922	148	52	*	*	PUNCT
ejif-922	148	53	*	*	PUNCT
ejif-922	148	54	0.122912	0.122912	NUM
ejif-922	148	55	0.0000	0.0000	NUM
ejif-922	148	56	macroeconomic	macroeconomic	ADJ
ejif-922	148	57	variable	variable	NOUN
ejif-922	148	58	:	:	PUNCT
ejif-922	148	59	gdp	gdp	NOUN
ejif-922	148	60	growth	growth	NOUN
ejif-922	148	61	rate	rate	NOUN
ejif-922	148	62	(	(	PUNCT
ejif-922	148	63	liquidity	liquidity	NOUN
ejif-922	148	64	risk	risk	NOUN
ejif-922	148	65	)	)	PUNCT
ejif-922	149	1	0.009044	0.009044	NUM
ejif-922	149	2	0.057956	0.057956	NUM
ejif-922	149	3	0.8781	0.8781	NUM
ejif-922	149	4	inflation	inflation	NOUN
ejif-922	149	5	rate	rate	NOUN
ejif-922	149	6	0.183693	0.183693	NUM
ejif-922	149	7	*	*	PUNCT
ejif-922	149	8	*	*	SYM
ejif-922	149	9	0.191948	0.191948	NUM
ejif-922	149	10	0.0537	0.0537	NUM
ejif-922	149	11	money	money	NOUN
ejif-922	149	12	supply	supply	NOUN
ejif-922	149	13	(	(	PUNCT
ejif-922	149	14	m2	m2	PROPN
ejif-922	149	15	)	)	PUNCT
ejif-922	149	16	-0.000667	-0.000667	NOUN
ejif-922	149	17	0.012986	0.012986	NUM
ejif-922	149	18	0.9597	0.9597	NUM
ejif-922	149	19	savings	saving	NOUN
ejif-922	149	20	on	on	ADP
ejif-922	149	21	gni	gni	PROPN
ejif-922	149	22	-0.195026	-0.195026	PROPN
ejif-922	149	23	*	*	PUNCT
ejif-922	149	24	*	*	PUNCT
ejif-922	149	25	0.079424	0.079424	NUM
ejif-922	149	26	0.0268	0.0268	NUM
ejif-922	149	27	constant	constant	ADJ
ejif-922	149	28	6.798651	6.798651	NUM
ejif-922	149	29	2.51496	2.51496	NUM
ejif-922	149	30	no	no	NOUN
ejif-922	149	31	.	.	PUNCT
ejif-922	149	32	of	of	ADP
ejif-922	149	33	observations	observation	NOUN
ejif-922	149	34	79	79	NUM
ejif-922	149	35	f	f	X
ejif-922	149	36	-	-	PUNCT
ejif-922	149	37	test	test	NOUN
ejif-922	149	38	11.75	11.75	NUM
ejif-922	149	39	(	(	PUNCT
ejif-922	149	40	p=0.000	p=0.000	NOUN
ejif-922	149	41	)	)	PUNCT
ejif-922	149	42	r	r	NOUN
ejif-922	149	43	-	-	PUNCT
ejif-922	149	44	square	square	ADJ
ejif-922	149	45	0.86	0.86	NUM
ejif-922	149	46	adjusted	adjusted	ADJ
ejif-922	149	47	r	r	NOUN
ejif-922	149	48	-	-	PUNCT
ejif-922	149	49	square	square	ADJ
ejif-922	149	50	0.78	0.78	NUM
ejif-922	149	51	table	table	NOUN
ejif-922	149	52	5	5	NUM
ejif-922	149	53	:	:	PUNCT
ejif-922	149	54	regression	regression	NOUN
ejif-922	149	55	model	model	NOUN
ejif-922	149	56	notes	note	VERB
ejif-922	149	57	:	:	PUNCT
ejif-922	149	58	the	the	DET
ejif-922	149	59	dependent	dependent	ADJ
ejif-922	149	60	variable	variable	NOUN
ejif-922	149	61	is	be	AUX
ejif-922	149	62	roa	roa	PROPN
ejif-922	149	63	is	be	AUX
ejif-922	149	64	calculated	calculate	VERB
ejif-922	149	65	as	as	ADP
ejif-922	149	66	net	net	ADJ
ejif-922	149	67	profit	profit	NOUN
ejif-922	149	68	divided	divide	VERB
ejif-922	149	69	by	by	ADP
ejif-922	149	70	total	total	ADJ
ejif-922	149	71	assets	asset	NOUN
ejif-922	149	72	.	.	PUNCT
ejif-922	150	1	llp	llp	PROPN
ejif-922	150	2	/	/	SYM
ejif-922	150	3	tl	tl	PROPN
ejif-922	150	4	is	be	AUX
ejif-922	150	5	a	a	DET
ejif-922	150	6	measure	measure	NOUN
ejif-922	150	7	of	of	ADP
ejif-922	150	8	credit	credit	NOUN
ejif-922	150	9	risk	risk	NOUN
ejif-922	150	10	calculated	calculate	VERB
ejif-922	150	11	as	as	ADP
ejif-922	150	12	the	the	DET
ejif-922	150	13	ratio	ratio	NOUN
ejif-922	150	14	of	of	ADP
ejif-922	150	15	total	total	ADJ
ejif-922	150	16	loan	loan	NOUN
ejif-922	150	17	loss	loss	NOUN
ejif-922	150	18	provisions	provision	NOUN
ejif-922	150	19	by	by	ADP
ejif-922	150	20	total	total	ADJ
ejif-922	150	21	assets	asset	NOUN
ejif-922	150	22	.	.	PUNCT
ejif-922	151	1	eqass	eqass	NOUN
ejif-922	151	2	is	be	AUX
ejif-922	151	3	a	a	DET
ejif-922	151	4	measure	measure	NOUN
ejif-922	151	5	of	of	ADP
ejif-922	151	6	capitalization	capitalization	NOUN
ejif-922	151	7	,	,	PUNCT
ejif-922	151	8	calculated	calculate	VERB
ejif-922	151	9	as	as	ADP
ejif-922	151	10	book	book	NOUN
ejif-922	151	11	value	value	NOUN
ejif-922	151	12	of	of	ADP
ejif-922	151	13	shareholders	shareholder	NOUN
ejif-922	151	14	equity	equity	NOUN
ejif-922	151	15	as	as	ADP
ejif-922	151	16	a	a	DET
ejif-922	151	17	fraction	fraction	NOUN
ejif-922	151	18	of	of	ADP
ejif-922	151	19	total	total	ADJ
ejif-922	151	20	assets	asset	NOUN
ejif-922	151	21	.	.	PUNCT
ejif-922	152	1	cir	cir	PROPN
ejif-922	152	2	is	be	AUX
ejif-922	152	3	proxy	proxy	ADJ
ejif-922	152	4	measure	measure	NOUN
ejif-922	152	5	for	for	ADP
ejif-922	152	6	the	the	DET
ejif-922	152	7	operating	operating	NOUN
ejif-922	152	8	efficiency	efficiency	NOUN
ejif-922	152	9	of	of	ADP
ejif-922	152	10	management	management	NOUN
ejif-922	152	11	quality	quality	NOUN
ejif-922	152	12	,	,	PUNCT
ejif-922	152	13	calculated	calculate	VERB
ejif-922	152	14	as	as	ADP
ejif-922	152	15	personnel	personnel	NOUN
ejif-922	152	16	expenses	expense	NOUN
ejif-922	152	17	divided	divide	VERB
ejif-922	152	18	by	by	ADP
ejif-922	152	19	total	total	ADJ
ejif-922	152	20	assets	asset	NOUN
ejif-922	152	21	;	;	PUNCT
ejif-922	152	22	loans	loan	NOUN
ejif-922	152	23	/	/	SYM
ejif-922	152	24	ta	ta	PROPN
ejif-922	152	25	is	be	AUX
ejif-922	152	26	used	use	VERB
ejif-922	152	27	as	as	ADP
ejif-922	152	28	a	a	DET
ejif-922	152	29	proxy	proxy	NOUN
ejif-922	152	30	measure	measure	NOUN
ejif-922	152	31	for	for	ADP
ejif-922	152	32	credit	credit	NOUN
ejif-922	152	33	risk	risk	NOUN
ejif-922	152	34	,	,	PUNCT
ejif-922	152	35	calculated	calculate	VERB
ejif-922	152	36	as	as	ADP
ejif-922	152	37	total	total	ADJ
ejif-922	152	38	loans	loan	NOUN
ejif-922	152	39	divided	divide	VERB
ejif-922	152	40	by	by	ADP
ejif-922	152	41	total	total	ADJ
ejif-922	152	42	assets	asset	NOUN
ejif-922	152	43	.	.	PUNCT
ejif-922	153	1	lnta	lnta	PROPN
ejif-922	153	2	is	be	AUX
ejif-922	153	3	a	a	DET
ejif-922	153	4	proxy	proxy	ADJ
ejif-922	153	5	measure	measure	NOUN
ejif-922	153	6	of	of	ADP
ejif-922	153	7	size	size	NOUN
ejif-922	153	8	,	,	PUNCT
ejif-922	153	9	calculated	calculate	VERB
ejif-922	153	10	as	as	ADP
ejif-922	153	11	a	a	DET
ejif-922	153	12	natural	natural	ADJ
ejif-922	153	13	logarithm	logarithm	NOUN
ejif-922	153	14	of	of	ADP
ejif-922	153	15	total	total	ADJ
ejif-922	153	16	bank	bank	NOUN
ejif-922	153	17	assets	asset	NOUN
ejif-922	153	18	.	.	PUNCT
ejif-922	154	1	gdpgr	gdpgr	PROPN
ejif-922	154	2	is	be	AUX
ejif-922	154	3	the	the	DET
ejif-922	154	4	gdp	gdp	NOUN
ejif-922	154	5	growth	growth	NOUN
ejif-922	154	6	rate	rate	NOUN
ejif-922	154	7	.	.	PUNCT
ejif-922	155	1	infli	infli	PROPN
ejif-922	155	2	is	be	AUX
ejif-922	155	3	the	the	DET
ejif-922	155	4	inflation	inflation	NOUN
ejif-922	155	5	rate	rate	NOUN
ejif-922	155	6	.	.	PUNCT
ejif-922	156	1	roa	roa	PROPN
ejif-922	156	2	cir	cir	PROPN
ejif-922	156	3	loans/	loans/	PROPN
ejif-922	156	4	ta	ta	PROPN
ejif-922	156	5	capital	capital	PROPN
ejif-922	156	6	llp	llp	PROPN
ejif-922	156	7	/	/	SYM
ejif-922	156	8	tl	tl	PROPN
ejif-922	156	9	gdp	gdp	PROPN
ejif-922	156	10	gr	gr	PROPN
ejif-922	156	11	.	.	PUNCT
ejif-922	157	1	infl	infl	PROPN
ejif-922	157	2	m2	m2	PROPN
ejif-922	157	3	savings	saving	NOUN
ejif-922	157	4	on	on	ADP
ejif-922	157	5	gni	gni	PROPN
ejif-922	157	6	mean	mean	PROPN
ejif-922	157	7	0.47	0.47	NUM
ejif-922	157	8	1.69	1.69	NUM
ejif-922	157	9	51.81	51.81	NUM
ejif-922	157	10	7.70	7.70	NUM
ejif-922	157	11	3.46	3.46	NUM
ejif-922	157	12	3.70	3.70	NUM
ejif-922	157	13	2.79	2.79	NUM
ejif-922	157	14	122.0	122.0	NUM
ejif-922	157	15	36.54	36.54	NUM
ejif-922	157	16	median	median	NOUN
ejif-922	157	17	0.62	0.62	NUM
ejif-922	157	18	1.52	1.52	NUM
ejif-922	157	19	54.97	54.97	NUM
ejif-922	157	20	6.96	6.96	NUM
ejif-922	157	21	2.43	2.43	NUM
ejif-922	157	22	4.13	4.13	NUM
ejif-922	157	23	2.70	2.70	NUM
ejif-922	157	24	125.3	125.3	NUM
ejif-922	157	25	36.64	36.64	NUM
ejif-922	157	26	max	max	PROPN
ejif-922	157	27	.	.	PROPN
ejif-922	158	1	2.00	2.00	NUM
ejif-922	158	2	9.24	9.24	NUM
ejif-922	158	3	77.74	77.74	NUM
ejif-922	158	4	19.65	19.65	NUM
ejif-922	158	5	18.80	18.80	NUM
ejif-922	158	6	7.23	7.23	NUM
ejif-922	158	7	5.44	5.44	NUM
ejif-922	158	8	144.1	144.1	NUM
ejif-922	158	9	42.12	42.12	NUM
ejif-922	158	10	min	min	NOUN
ejif-922	158	11	.	.	PROPN
ejif-922	159	1	-6.84	-6.84	NOUN
ejif-922	160	1	-0.41	-0.41	NUM
ejif-922	160	2	6.33	6.33	NUM
ejif-922	160	3	1.000	1.000	NUM
ejif-922	160	4	0.65	0.65	NUM
ejif-922	160	5	-9.63	-9.63	PUNCT
ejif-922	160	6	0.58	0.58	NUM
ejif-922	160	7	64.37	64.37	NUM
ejif-922	160	8	30.82	30.82	NUM
ejif-922	160	9	std	std	NOUN
ejif-922	160	10	.	.	PUNCT
ejif-922	161	1	dev	dev	PROPN
ejif-922	161	2	.	.	PROPN
ejif-922	162	1	1.19	1.19	NUM
ejif-922	162	2	1.53	1.53	NUM
ejif-922	162	3	13.81	13.81	NUM
ejif-922	162	4	3.72	3.72	NUM
ejif-922	162	5	3.01	3.01	NUM
ejif-922	162	6	3.799	3.799	NUM
ejif-922	162	7	1.32	1.32	NUM
ejif-922	162	8	20.2	20.2	NUM
ejif-922	162	9	3.081	3.081	NUM
ejif-922	162	10	skew	skew	NOUN
ejif-922	162	11	.	.	PUNCT
ejif-922	163	1	-4.59	-4.59	NUM
ejif-922	164	1	2.33	2.33	NUM
ejif-922	164	2	-0.511	-0.511	NUM
ejif-922	164	3	1.392	1.392	NUM
ejif-922	164	4	2.87	2.87	NUM
ejif-922	164	5	-2.13	-2.13	NUM
ejif-922	164	6	0.36	0.36	NUM
ejif-922	164	7	-1.81	-1.81	NUM
ejif-922	164	8	-0.0928	-0.0928	NOUN
ejif-922	164	9	kurto	kurto	PROPN
ejif-922	164	10	.	.	PUNCT
ejif-922	165	1	26.71	26.71	NUM
ejif-922	165	2	11.85	11.85	NUM
ejif-922	165	3	3.24	3.24	NUM
ejif-922	165	4	4.80	4.80	NUM
ejif-922	165	5	12.70	12.70	NUM
ejif-922	165	6	7.72	7.72	NUM
ejif-922	165	7	2.30	2.30	NUM
ejif-922	165	8	5.85	5.85	NUM
ejif-922	165	9	2.1081	2.1081	NUM
ejif-922	165	10	ejif	ejif	NOUN
ejif-922	165	11	–	–	PUNCT
ejif-922	165	12	european	european	PROPN
ejif-922	165	13	journal	journal	PROPN
ejif-922	165	14	of	of	ADP
ejif-922	165	15	islamic	islamic	PROPN
ejif-922	165	16	finance	finance	NOUN
ejif-922	165	17	no2	no2	PROPN
ejif-922	165	18	,	,	PUNCT
ejif-922	165	19	april	april	PROPN
ejif-922	165	20	(	(	PUNCT
ejif-922	165	21	2015	2015	NUM
ejif-922	165	22	)	)	PUNCT
ejif-922	166	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	166	2	issn	issn	VERB
ejif-922	166	3	2421	2421	NUM
ejif-922	166	4	-	-	SYM
ejif-922	166	5	2172	2172	NUM
ejif-922	166	6	7	7	NUM
ejif-922	166	7	notes	note	NOUN
ejif-922	166	8	2	2	NUM
ejif-922	166	9	:	:	PUNCT
ejif-922	166	10	values	value	NOUN
ejif-922	166	11	in	in	ADP
ejif-922	166	12	parenthesis	parenthesis	NOUN
ejif-922	166	13	are	be	AUX
ejif-922	166	14	t	t	PROPN
ejif-922	166	15	statistics	statistic	NOUN
ejif-922	166	16	,	,	PUNCT
ejif-922	166	17	(	(	PUNCT
ejif-922	166	18	*	*	PUNCT
ejif-922	166	19	*	*	PUNCT
ejif-922	166	20	*	*	PUNCT
ejif-922	166	21	)	)	PUNCT
ejif-922	166	22	,	,	PUNCT
ejif-922	166	23	(	(	PUNCT
ejif-922	166	24	*	*	PUNCT
ejif-922	166	25	*	*	PUNCT
ejif-922	166	26	)	)	PUNCT
ejif-922	166	27	,	,	PUNCT
ejif-922	166	28	(	(	PUNCT
ejif-922	166	29	*	*	PUNCT
ejif-922	166	30	)	)	PUNCT
ejif-922	166	31	indicates	indicate	VERB
ejif-922	166	32	significance	significance	NOUN
ejif-922	166	33	at	at	ADP
ejif-922	166	34	1	1	NUM
ejif-922	166	35	,	,	PUNCT
ejif-922	166	36	5	5	NUM
ejif-922	166	37	,	,	PUNCT
ejif-922	166	38	and	and	CCONJ
ejif-922	166	39	10	10	NUM
ejif-922	166	40	%	%	NOUN
ejif-922	166	41	level	level	NOUN
ejif-922	166	42	respectively	respectively	ADV
ejif-922	166	43	.	.	PUNCT
ejif-922	167	1	the	the	DET
ejif-922	167	2	results	result	NOUN
ejif-922	167	3	in	in	ADP
ejif-922	167	4	table	table	NOUN
ejif-922	167	5	5	5	NUM
ejif-922	167	6	relate	relate	VERB
ejif-922	167	7	to	to	ADP
ejif-922	167	8	regressing	regress	VERB
ejif-922	167	9	roa	roa	NOUN
ejif-922	167	10	on	on	ADP
ejif-922	167	11	both	both	CCONJ
ejif-922	167	12	the	the	DET
ejif-922	167	13	set	set	NOUN
ejif-922	167	14	of	of	ADP
ejif-922	167	15	bank	bank	NOUN
ejif-922	167	16	-	-	PUNCT
ejif-922	167	17	specific	specific	ADJ
ejif-922	167	18	variables	variable	NOUN
ejif-922	167	19	and	and	CCONJ
ejif-922	167	20	macroeconomic	macroeconomic	ADJ
ejif-922	167	21	variables	variable	NOUN
ejif-922	167	22	.	.	PUNCT
ejif-922	168	1	from	from	ADP
ejif-922	168	2	the	the	DET
ejif-922	168	3	table	table	NOUN
ejif-922	168	4	,	,	PUNCT
ejif-922	168	5	r	r	NOUN
ejif-922	168	6	-	-	PUNCT
ejif-922	168	7	squared	square	VERB
ejif-922	168	8	is	be	AUX
ejif-922	168	9	0.86	0.86	NUM
ejif-922	168	10	,	,	PUNCT
ejif-922	168	11	which	which	PRON
ejif-922	168	12	shows	show	VERB
ejif-922	168	13	that	that	SCONJ
ejif-922	168	14	about	about	ADP
ejif-922	168	15	86	86	NUM
ejif-922	168	16	%	%	NOUN
ejif-922	168	17	ofindependent	ofindependent	NOUN
ejif-922	168	18	variables	variable	NOUN
ejif-922	168	19	explain	explain	VERB
ejif-922	168	20	the	the	DET
ejif-922	168	21	dependent	dependent	ADJ
ejif-922	168	22	variable	variable	NOUN
ejif-922	168	23	roaa	roaa	NOUN
ejif-922	168	24	.	.	PUNCT
ejif-922	169	1	the	the	DET
ejif-922	169	2	adequacy	adequacy	NOUN
ejif-922	169	3	of	of	ADP
ejif-922	169	4	a	a	DET
ejif-922	169	5	model	model	NOUN
ejif-922	169	6	as	as	ADP
ejif-922	169	7	predicting	predict	VERB
ejif-922	169	8	isvalidated	isvalidate	VERB
ejif-922	169	9	by	by	ADP
ejif-922	169	10	the	the	DET
ejif-922	169	11	f	f	NOUN
ejif-922	169	12	-	-	PUNCT
ejif-922	169	13	test	test	NOUN
ejif-922	169	14	.	.	PUNCT
ejif-922	170	1	as	as	SCONJ
ejif-922	170	2	indicated	indicate	VERB
ejif-922	170	3	in	in	ADP
ejif-922	170	4	table	table	NOUN
ejif-922	170	5	6	6	NUM
ejif-922	170	6	,	,	PUNCT
ejif-922	170	7	the	the	DET
ejif-922	170	8	value	value	NOUN
ejif-922	170	9	of	of	ADP
ejif-922	170	10	f	f	NOUN
ejif-922	170	11	-	-	PUNCT
ejif-922	170	12	stats	stat	NOUN
ejif-922	170	13	is	be	AUX
ejif-922	170	14	statistically	statistically	ADV
ejif-922	170	15	significant	significant	ADJ
ejif-922	170	16	which	which	PRON
ejif-922	170	17	hasconfirmed	hasconfirme	VERB
ejif-922	170	18	that	that	SCONJ
ejif-922	170	19	the	the	DET
ejif-922	170	20	models	model	NOUN
ejif-922	170	21	applied	apply	VERB
ejif-922	170	22	are	be	AUX
ejif-922	170	23	useful	useful	ADJ
ejif-922	170	24	for	for	ADP
ejif-922	170	25	measuring	measure	VERB
ejif-922	170	26	the	the	DET
ejif-922	170	27	relationship	relationship	NOUN
ejif-922	170	28	between	between	ADP
ejif-922	170	29	roaa	roaa	NOUN
ejif-922	170	30	and	and	CCONJ
ejif-922	170	31	independentvariables	independentvariable	NOUN
ejif-922	170	32	.	.	PUNCT
ejif-922	171	1	since	since	SCONJ
ejif-922	171	2	the	the	DET
ejif-922	171	3	data	data	NOUN
ejif-922	171	4	has	have	AUX
ejif-922	171	5	been	be	AUX
ejif-922	171	6	normality	normality	NOUN
ejif-922	171	7	distributed	distribute	VERB
ejif-922	171	8	and	and	CCONJ
ejif-922	171	9	there	there	PRON
ejif-922	171	10	is	be	VERB
ejif-922	171	11	no	no	DET
ejif-922	171	12	multicollinearity	multicollinearity	NOUN
ejif-922	171	13	,	,	PUNCT
ejif-922	171	14	it	it	PRON
ejif-922	171	15	can	can	AUX
ejif-922	171	16	be	be	AUX
ejif-922	171	17	be	be	AUX
ejif-922	171	18	said	say	VERB
ejif-922	171	19	that	that	SCONJ
ejif-922	171	20	the	the	DET
ejif-922	171	21	hypothesis	hypothesis	NOUN
ejif-922	171	22	testing	testing	NOUN
ejif-922	171	23	based	base	VERB
ejif-922	171	24	this	this	DET
ejif-922	171	25	model	model	NOUN
ejif-922	171	26	are	be	AUX
ejif-922	171	27	correct	correct	ADJ
ejif-922	171	28	.	.	PUNCT
ejif-922	172	1	as	as	SCONJ
ejif-922	172	2	it	it	PRON
ejif-922	172	3	is	be	AUX
ejif-922	172	4	mentioned	mention	VERB
ejif-922	172	5	early	early	ADJ
ejif-922	172	6	4	4	NUM
ejif-922	172	7	bank	bank	NOUN
ejif-922	172	8	-	-	PUNCT
ejif-922	172	9	specific	specific	ADJ
ejif-922	172	10	variables	variable	NOUN
ejif-922	172	11	are	be	AUX
ejif-922	172	12	used	use	VERB
ejif-922	172	13	in	in	ADP
ejif-922	172	14	this	this	DET
ejif-922	172	15	study	study	NOUN
ejif-922	172	16	.	.	PUNCT
ejif-922	173	1	however	however	ADV
ejif-922	173	2	,	,	PUNCT
ejif-922	173	3	the	the	DET
ejif-922	173	4	result	result	NOUN
ejif-922	173	5	shows	show	VERB
ejif-922	173	6	that	that	SCONJ
ejif-922	173	7	capital	capital	NOUN
ejif-922	173	8	adequacy	adequacy	NOUN
ejif-922	173	9	ratio	ratio	NOUN
ejif-922	173	10	i	i	PRON
ejif-922	173	11	,	,	PUNCT
ejif-922	173	12	e	e	PROPN
ejif-922	173	13	equity	equity	NOUN
ejif-922	173	14	to	to	PART
ejif-922	173	15	total	total	VERB
ejif-922	173	16	asset	asset	NOUN
ejif-922	173	17	ratio	ratio	NOUN
ejif-922	173	18	and	and	CCONJ
ejif-922	173	19	operational	operational	ADJ
ejif-922	173	20	efficiency	efficiency	NOUN
ejif-922	173	21	ratio	ratio	NOUN
ejif-922	173	22	(	(	PUNCT
ejif-922	173	23	i	i	PROPN
ejif-922	173	24	,	,	PUNCT
ejif-922	173	25	e	e	VERB
ejif-922	173	26	non	non	X
ejif-922	173	27	interest	interest	NOUN
ejif-922	173	28	expense	expense	NOUN
ejif-922	173	29	/	/	SYM
ejif-922	173	30	total	total	ADJ
ejif-922	173	31	assets	asset	NOUN
ejif-922	173	32	)	)	PUNCT
ejif-922	173	33	have	have	VERB
ejif-922	173	34	a	a	DET
ejif-922	173	35	significant	significant	ADJ
ejif-922	173	36	impact	impact	NOUN
ejif-922	173	37	on	on	ADP
ejif-922	173	38	the	the	DET
ejif-922	173	39	profitability	profitability	NOUN
ejif-922	173	40	of	of	ADP
ejif-922	173	41	islamic	islamic	ADJ
ejif-922	173	42	banks	bank	NOUN
ejif-922	173	43	in	in	ADP
ejif-922	173	44	malaysia	malaysia	PROPN
ejif-922	173	45	.	.	PUNCT
ejif-922	174	1	the	the	DET
ejif-922	174	2	other	other	ADJ
ejif-922	174	3	two	two	NUM
ejif-922	174	4	variables	variable	NOUN
ejif-922	174	5	such	such	ADJ
ejif-922	174	6	as	as	ADP
ejif-922	174	7	liquidity	liquidity	NOUN
ejif-922	174	8	and	and	CCONJ
ejif-922	174	9	asset	asset	NOUN
ejif-922	174	10	quality	quality	NOUN
ejif-922	174	11	have	have	VERB
ejif-922	174	12	no	no	DET
ejif-922	174	13	statistically	statistically	ADV
ejif-922	174	14	significant	significant	ADJ
ejif-922	174	15	relationship	relationship	NOUN
ejif-922	174	16	with	with	ADP
ejif-922	174	17	dependent	dependent	ADJ
ejif-922	174	18	variable	variable	ADJ
ejif-922	174	19	roa	roa	NOUN
ejif-922	174	20	at	at	ADP
ejif-922	174	21	5	5	NUM
ejif-922	174	22	%	%	NOUN
ejif-922	174	23	and	and	CCONJ
ejif-922	174	24	10	10	NUM
ejif-922	174	25	%	%	NOUN
ejif-922	174	26	significant	significant	ADJ
ejif-922	174	27	level	level	NOUN
ejif-922	174	28	.	.	PUNCT
ejif-922	175	1	referring	refer	VERB
ejif-922	175	2	to	to	ADP
ejif-922	175	3	the	the	DET
ejif-922	175	4	impact	impact	NOUN
ejif-922	175	5	of	of	ADP
ejif-922	175	6	overhead	overhead	ADJ
ejif-922	175	7	costs	cost	NOUN
ejif-922	175	8	on	on	ADP
ejif-922	175	9	islamic	islamic	PROPN
ejif-922	175	10	bank	bank	PROPN
ejif-922	175	11	profitability	profitability	NOUN
ejif-922	175	12	,	,	PUNCT
ejif-922	175	13	nie	nie	PROPN
ejif-922	175	14	/	/	SYM
ejif-922	175	15	ta	ta	PROPN
ejif-922	175	16	exhibit	exhibit	VERB
ejif-922	175	17	negative	negative	ADJ
ejif-922	175	18	and	and	CCONJ
ejif-922	175	19	significant	significant	ADJ
ejif-922	175	20	impact	impact	NOUN
ejif-922	175	21	on	on	ADP
ejif-922	175	22	the	the	DET
ejif-922	175	23	profitability	profitability	NOUN
ejif-922	175	24	of	of	ADP
ejif-922	175	25	islamic	islamic	ADJ
ejif-922	175	26	banks	bank	NOUN
ejif-922	175	27	even	even	ADV
ejif-922	175	28	at	at	ADP
ejif-922	175	29	1	1	NUM
ejif-922	175	30	%	%	NOUN
ejif-922	175	31	significant	significant	ADJ
ejif-922	175	32	level	level	NOUN
ejif-922	175	33	.	.	PUNCT
ejif-922	176	1	this	this	DET
ejif-922	176	2	result	result	NOUN
ejif-922	176	3	implies	imply	VERB
ejif-922	176	4	that	that	PRON
ejif-922	176	5	increase	increase	NOUN
ejif-922	176	6	(	(	PUNCT
ejif-922	176	7	decrease	decrease	NOUN
ejif-922	176	8	)	)	PUNCT
ejif-922	176	9	in	in	ADP
ejif-922	176	10	these	these	DET
ejif-922	176	11	expenses	expense	NOUN
ejif-922	176	12	reduces	reduce	VERB
ejif-922	176	13	(	(	PUNCT
ejif-922	176	14	increases	increase	NOUN
ejif-922	176	15	)	)	PUNCT
ejif-922	176	16	the	the	DET
ejif-922	176	17	profits	profit	NOUN
ejif-922	176	18	of	of	ADP
ejif-922	176	19	islamic	islamic	ADJ
ejif-922	176	20	banks	bank	NOUN
ejif-922	176	21	operating	operate	VERB
ejif-922	176	22	in	in	ADP
ejif-922	176	23	the	the	DET
ejif-922	176	24	malaysian	malaysian	ADJ
ejif-922	176	25	banking	banking	NOUN
ejif-922	176	26	sector	sector	NOUN
ejif-922	176	27	.	.	PUNCT
ejif-922	177	1	pasiouras	pasiouras	NOUN
ejif-922	177	2	and	and	CCONJ
ejif-922	177	3	kosmidou	kosmidou	PROPN
ejif-922	177	4	(	(	PUNCT
ejif-922	177	5	2007	2007	NUM
ejif-922	177	6	)	)	PUNCT
ejif-922	177	7	and	and	CCONJ
ejif-922	177	8	kosmidou(2008	kosmidou(2008	NOUN
ejif-922	177	9	)	)	PUNCT
ejif-922	177	10	among	among	ADP
ejif-922	177	11	others	other	NOUN
ejif-922	177	12	have	have	AUX
ejif-922	177	13	also	also	ADV
ejif-922	177	14	found	find	VERB
ejif-922	177	15	poor	poor	ADJ
ejif-922	177	16	expenses	expense	NOUN
ejif-922	177	17	management	management	NOUN
ejif-922	177	18	to	to	PART
ejif-922	177	19	be	be	AUX
ejif-922	177	20	among	among	ADP
ejif-922	177	21	the	the	DET
ejif-922	177	22	main	main	ADJ
ejif-922	177	23	contributors	contributor	NOUN
ejif-922	177	24	to	to	ADP
ejif-922	177	25	poor	poor	ADJ
ejif-922	177	26	profitability	profitability	NOUN
ejif-922	177	27	.	.	PUNCT
ejif-922	178	1	clearly	clearly	ADV
ejif-922	178	2	,	,	PUNCT
ejif-922	178	3	efficient	efficient	ADJ
ejif-922	178	4	cost	cost	NOUN
ejif-922	178	5	management	management	NOUN
ejif-922	178	6	is	be	AUX
ejif-922	178	7	prerequisite	prerequisite	NOUN
ejif-922	178	8	for	for	ADP
ejif-922	178	9	improved	improved	ADJ
ejif-922	178	10	profitability	profitability	NOUN
ejif-922	178	11	of	of	ADP
ejif-922	178	12	the	the	DET
ejif-922	178	13	islamic	islamic	ADJ
ejif-922	178	14	banks	bank	NOUN
ejif-922	178	15	.	.	PUNCT
ejif-922	179	1	the	the	DET
ejif-922	179	2	level	level	NOUN
ejif-922	179	3	of	of	ADP
ejif-922	179	4	capitalization	capitalization	NOUN
ejif-922	179	5	(	(	PUNCT
ejif-922	179	6	eqass	eqass	NOUN
ejif-922	179	7	)	)	PUNCT
ejif-922	179	8	is	be	AUX
ejif-922	179	9	positively	positively	ADV
ejif-922	179	10	related	relate	VERB
ejif-922	179	11	to	to	ADP
ejif-922	179	12	islamic	islamic	ADJ
ejif-922	179	13	bank‟s	bank‟s	PROPN
ejif-922	179	14	profitability	profitability	NOUN
ejif-922	179	15	.	.	PUNCT
ejif-922	180	1	it	it	PRON
ejif-922	180	2	indicates	indicate	VERB
ejif-922	180	3	if	if	SCONJ
ejif-922	180	4	there	there	PRON
ejif-922	180	5	is	be	VERB
ejif-922	180	6	1	1	NUM
ejif-922	180	7	%	%	NOUN
ejif-922	180	8	increases	increase	NOUN
ejif-922	180	9	in	in	ADP
ejif-922	180	10	the	the	DET
ejif-922	180	11	level	level	NOUN
ejif-922	180	12	of	of	ADP
ejif-922	180	13	capitalization	capitalization	NOUN
ejif-922	180	14	,	,	PUNCT
ejif-922	180	15	the	the	DET
ejif-922	180	16	level	level	NOUN
ejif-922	180	17	of	of	ADP
ejif-922	180	18	roa	roa	NOUN
ejif-922	180	19	will	will	AUX
ejif-922	180	20	be	be	AUX
ejif-922	180	21	increased	increase	VERB
ejif-922	180	22	by	by	ADP
ejif-922	180	23	0.12	0.12	NUM
ejif-922	180	24	%	%	NOUN
ejif-922	180	25	.	.	PUNCT
ejif-922	181	1	this	this	DET
ejif-922	181	2	empirical	empirical	ADJ
ejif-922	181	3	finding	finding	NOUN
ejif-922	181	4	is	be	AUX
ejif-922	181	5	consistent	consistent	ADJ
ejif-922	181	6	with	with	ADP
ejif-922	181	7	berger(1995	berger(1995	NOUN
ejif-922	181	8	)	)	PUNCT
ejif-922	181	9	,	,	PUNCT
ejif-922	181	10	goddard	goddard	PROPN
ejif-922	181	11	et	et	PROPN
ejif-922	181	12	al	al	PROPN
ejif-922	181	13	.	.	PROPN
ejif-922	182	1	(	(	PUNCT
ejif-922	182	2	2004	2004	NUM
ejif-922	182	3	)	)	PUNCT
ejif-922	183	1	and	and	CCONJ
ejif-922	183	2	supports	support	VERB
ejif-922	183	3	the	the	DET
ejif-922	183	4	argument	argument	NOUN
ejif-922	183	5	that	that	SCONJ
ejif-922	183	6	well	well	ADV
ejif-922	183	7	-	-	PUNCT
ejif-922	183	8	capitalized	capitalize	VERB
ejif-922	183	9	banks	bank	NOUN
ejif-922	183	10	face	face	VERB
ejif-922	183	11	lower	low	ADJ
ejif-922	183	12	cost	cost	NOUN
ejif-922	183	13	of	of	ADP
ejif-922	183	14	going	go	VERB
ejif-922	183	15	bankrupt	bankrupt	ADJ
ejif-922	183	16	and	and	CCONJ
ejif-922	183	17	thereby	thereby	ADV
ejif-922	183	18	reduce	reduce	VERB
ejif-922	183	19	their	their	PRON
ejif-922	183	20	cost	cost	NOUN
ejif-922	183	21	of	of	ADP
ejif-922	183	22	funding	funding	NOUN
ejif-922	183	23	.	.	PUNCT
ejif-922	184	1	strong	strong	ADJ
ejif-922	184	2	capital	capital	NOUN
ejif-922	184	3	structure	structure	NOUN
ejif-922	184	4	is	be	AUX
ejif-922	184	5	essential	essential	ADJ
ejif-922	184	6	for	for	ADP
ejif-922	184	7	banks	bank	NOUN
ejif-922	184	8	in	in	ADP
ejif-922	184	9	developing	develop	VERB
ejif-922	184	10	economies	economy	NOUN
ejif-922	184	11	,	,	PUNCT
ejif-922	184	12	since	since	SCONJ
ejif-922	184	13	it	it	PRON
ejif-922	184	14	provides	provide	VERB
ejif-922	184	15	additional	additional	ADJ
ejif-922	184	16	strength	strength	NOUN
ejif-922	184	17	to	to	PART
ejif-922	184	18	withstand	withstand	VERB
ejif-922	184	19	financial	financial	ADJ
ejif-922	184	20	crisis	crisis	NOUN
ejif-922	184	21	and	and	CCONJ
ejif-922	184	22	increased	increase	VERB
ejif-922	184	23	safety	safety	NOUN
ejif-922	184	24	for	for	ADP
ejif-922	184	25	depositors	depositor	NOUN
ejif-922	184	26	during	during	ADP
ejif-922	184	27	unstable	unstable	ADJ
ejif-922	184	28	macroeconomic	macroeconomic	ADJ
ejif-922	184	29	conditions	condition	NOUN
ejif-922	184	30	.	.	PUNCT
ejif-922	185	1	furthermore	furthermore	ADV
ejif-922	185	2	,	,	PUNCT
ejif-922	185	3	lower	low	ADJ
ejif-922	185	4	capital	capital	NOUN
ejif-922	185	5	ratios	ratio	NOUN
ejif-922	185	6	in	in	ADP
ejif-922	185	7	banking	banking	NOUN
ejif-922	185	8	imply	imply	VERB
ejif-922	185	9	higher	high	ADJ
ejif-922	185	10	leverage	leverage	NOUN
ejif-922	185	11	and	and	CCONJ
ejif-922	185	12	risk	risk	NOUN
ejif-922	185	13	,	,	PUNCT
ejif-922	185	14	and	and	CCONJ
ejif-922	185	15	therefore	therefore	ADV
ejif-922	185	16	greater	great	ADJ
ejif-922	185	17	borrowing	borrowing	NOUN
ejif-922	185	18	cost	cost	NOUN
ejif-922	185	19	.	.	PUNCT
ejif-922	186	1	thus	thus	ADV
ejif-922	186	2	it	it	PRON
ejif-922	186	3	is	be	AUX
ejif-922	186	4	reasonable	reasonable	ADJ
ejif-922	186	5	to	to	PART
ejif-922	186	6	expect	expect	VERB
ejif-922	186	7	that	that	SCONJ
ejif-922	186	8	the	the	DET
ejif-922	186	9	profitability	profitability	NOUN
ejif-922	186	10	level	level	NOUN
ejif-922	186	11	should	should	AUX
ejif-922	186	12	be	be	AUX
ejif-922	186	13	higher	high	ADJ
ejif-922	186	14	for	for	ADP
ejif-922	186	15	better	well	ADV
ejif-922	186	16	capitalized	capitalize	VERB
ejif-922	186	17	islamic	islamic	ADJ
ejif-922	186	18	banks	bank	NOUN
ejif-922	186	19	.	.	PUNCT
ejif-922	187	1	in	in	ADP
ejif-922	187	2	addition	addition	NOUN
ejif-922	187	3	,	,	PUNCT
ejif-922	187	4	based	base	VERB
ejif-922	187	5	on	on	ADP
ejif-922	187	6	the	the	DET
ejif-922	187	7	two	two	NUM
ejif-922	187	8	macroeconomic	macroeconomic	ADJ
ejif-922	187	9	variables	variable	NOUN
ejif-922	187	10	used	use	VERB
ejif-922	187	11	in	in	ADP
ejif-922	187	12	this	this	DET
ejif-922	187	13	study	study	NOUN
ejif-922	187	14	gdp	gdp	NOUN
ejif-922	187	15	growth	growth	NOUN
ejif-922	187	16	rate	rate	NOUN
ejif-922	187	17	and	and	CCONJ
ejif-922	187	18	inflation	inflation	NOUN
ejif-922	187	19	,	,	PUNCT
ejif-922	187	20	only	only	ADV
ejif-922	187	21	inflation	inflation	NOUN
ejif-922	187	22	has	have	VERB
ejif-922	187	23	a	a	DET
ejif-922	187	24	significantrelationship	significantrelationship	NOUN
ejif-922	187	25	with	with	ADP
ejif-922	187	26	profitability	profitability	NOUN
ejif-922	187	27	.	.	PUNCT
ejif-922	188	1	here	here	ADV
ejif-922	188	2	,	,	PUNCT
ejif-922	188	3	inflation	inflation	NOUN
ejif-922	188	4	is	be	AUX
ejif-922	188	5	positively	positively	ADV
ejif-922	188	6	related	relate	VERB
ejif-922	188	7	to	to	ADP
ejif-922	188	8	islamic	islamic	ADJ
ejif-922	188	9	banks	bank	NOUN
ejif-922	188	10	profitability	profitability	NOUN
ejif-922	188	11	,	,	PUNCT
ejif-922	188	12	implying	imply	VERB
ejif-922	188	13	that	that	SCONJ
ejif-922	188	14	during	during	ADP
ejif-922	188	15	the	the	DET
ejif-922	188	16	period	period	NOUN
ejif-922	188	17	under	under	ADP
ejif-922	188	18	study	study	VERB
ejif-922	188	19	the	the	DET
ejif-922	188	20	levels	level	NOUN
ejif-922	188	21	of	of	ADP
ejif-922	188	22	inflation	inflation	NOUN
ejif-922	188	23	were	be	AUX
ejif-922	188	24	anticipated	anticipate	VERB
ejif-922	188	25	by	by	ADP
ejif-922	188	26	the	the	DET
ejif-922	188	27	islamic	islamic	ADJ
ejif-922	188	28	banks	bank	NOUN
ejif-922	188	29	.	.	PUNCT
ejif-922	189	1	perry	perry	PROPN
ejif-922	189	2	(	(	PUNCT
ejif-922	189	3	1992	1992	NUM
ejif-922	189	4	)	)	PUNCT
ejif-922	189	5	suggests	suggest	VERB
ejif-922	189	6	that	that	SCONJ
ejif-922	189	7	the	the	DET
ejif-922	189	8	effect	effect	NOUN
ejif-922	189	9	of	of	ADP
ejif-922	189	10	inflation	inflation	NOUN
ejif-922	189	11	levels	level	NOUN
ejif-922	189	12	on	on	ADP
ejif-922	189	13	banking	banking	NOUN
ejif-922	189	14	performance	performance	NOUN
ejif-922	189	15	is	be	AUX
ejif-922	189	16	positive	positive	ADJ
ejif-922	189	17	if	if	SCONJ
ejif-922	189	18	the	the	DET
ejif-922	189	19	rate	rate	NOUN
ejif-922	189	20	of	of	ADP
ejif-922	189	21	inflation	inflation	NOUN
ejif-922	189	22	is	be	AUX
ejif-922	189	23	anticipated	anticipate	VERB
ejif-922	189	24	.	.	PUNCT
ejif-922	190	1	anticipating	anticipate	VERB
ejif-922	190	2	inflation	inflation	NOUN
ejif-922	190	3	levels	level	NOUN
ejif-922	190	4	gave	give	VERB
ejif-922	190	5	the	the	DET
ejif-922	190	6	banks	bank	NOUN
ejif-922	190	7	the	the	DET
ejif-922	190	8	opportunity	opportunity	NOUN
ejif-922	190	9	to	to	PART
ejif-922	190	10	adjust	adjust	VERB
ejif-922	190	11	the	the	DET
ejif-922	190	12	profit	profit	NOUN
ejif-922	190	13	rates	rate	NOUN
ejif-922	190	14	accordingly	accordingly	ADV
ejif-922	190	15	and	and	CCONJ
ejif-922	190	16	consequently	consequently	ADV
ejif-922	190	17	to	to	PART
ejif-922	190	18	earn	earn	VERB
ejif-922	190	19	higher	high	ADJ
ejif-922	190	20	profits	profit	NOUN
ejif-922	190	21	.	.	PUNCT
ejif-922	191	1	the	the	DET
ejif-922	191	2	results	result	NOUN
ejif-922	191	3	about	about	ADP
ejif-922	191	4	gdp	gdp	NOUN
ejif-922	191	5	growth	growth	NOUN
ejif-922	191	6	rate	rate	NOUN
ejif-922	191	7	and	and	CCONJ
ejif-922	191	8	islamic	islamic	ADJ
ejif-922	191	9	banks	bank	NOUN
ejif-922	191	10	profit	profit	NOUN
ejif-922	191	11	ability	ability	NOUN
ejif-922	191	12	are	be	AUX
ejif-922	191	13	consistent	consistent	ADJ
ejif-922	191	14	with	with	ADP
ejif-922	191	15	the	the	DET
ejif-922	191	16	results	result	NOUN
ejif-922	191	17	of	of	ADP
ejif-922	191	18	hasan	hasan	PROPN
ejif-922	191	19	and	and	CCONJ
ejif-922	191	20	bashir(2003)supports	bashir(2003)support	NOUN
ejif-922	191	21	the	the	DET
ejif-922	191	22	arguments	argument	NOUN
ejif-922	191	23	for	for	ADP
ejif-922	191	24	a	a	DET
ejif-922	191	25	positive	positive	ADJ
ejif-922	191	26	association	association	NOUN
ejif-922	191	27	between	between	ADP
ejif-922	191	28	growth	growth	NOUN
ejif-922	191	29	and	and	CCONJ
ejif-922	191	30	banking	banking	NOUN
ejif-922	191	31	sector	sector	NOUN
ejif-922	191	32	performance	performance	NOUN
ejif-922	191	33	.	.	PUNCT
ejif-922	192	1	however	however	ADV
ejif-922	192	2	,	,	PUNCT
ejif-922	192	3	this	this	DET
ejif-922	192	4	study	study	NOUN
ejif-922	192	5	shows	show	VERB
ejif-922	192	6	a	a	DET
ejif-922	192	7	positive	positive	ADJ
ejif-922	192	8	but	but	CCONJ
ejif-922	192	9	insignificant	insignificant	ADJ
ejif-922	192	10	relationship	relationship	NOUN
ejif-922	192	11	.	.	PUNCT
ejif-922	193	1	vii	vii	PROPN
ejif-922	193	2	.	.	PROPN
ejif-922	193	3	concluding	conclude	VERB
ejif-922	193	4	remarks	remark	NOUN
ejif-922	193	5	&	&	CCONJ
ejif-922	193	6	future	future	ADJ
ejif-922	193	7	implications	implication	NOUN
ejif-922	193	8	:	:	PUNCT
ejif-922	193	9	the	the	DET
ejif-922	193	10	islamic	islamic	ADJ
ejif-922	193	11	banking	banking	NOUN
ejif-922	193	12	sectors	sector	NOUN
ejif-922	193	13	in	in	ADP
ejif-922	193	14	malaysia	malaysia	PROPN
ejif-922	193	15	have	have	AUX
ejif-922	193	16	undergone	undergo	VERB
ejif-922	193	17	noteworthy	noteworthy	ADJ
ejif-922	193	18	reforms	reform	NOUN
ejif-922	193	19	.	.	PUNCT
ejif-922	194	1	despite	despite	SCONJ
ejif-922	194	2	considerable	considerable	ADJ
ejif-922	194	3	development	development	NOUN
ejif-922	194	4	in	in	ADP
ejif-922	194	5	the	the	DET
ejif-922	194	6	islamic	islamic	ADJ
ejif-922	194	7	banking	banking	NOUN
ejif-922	194	8	sector	sector	NOUN
ejif-922	194	9	,	,	PUNCT
ejif-922	194	10	empirical	empirical	ADJ
ejif-922	194	11	work	work	NOUN
ejif-922	194	12	on	on	ADP
ejif-922	194	13	islamic	islamic	PROPN
ejif-922	194	14	bank‟s	bank‟s	PROPN
ejif-922	194	15	performance	performance	NOUN
ejif-922	194	16	is	be	AUX
ejif-922	194	17	still	still	ADV
ejif-922	194	18	in	in	ADP
ejif-922	194	19	fancy	fancy	NOUN
ejif-922	194	20	.	.	PUNCT
ejif-922	195	1	the	the	DET
ejif-922	195	2	empirical	empirical	ADJ
ejif-922	195	3	findings	finding	NOUN
ejif-922	195	4	of	of	ADP
ejif-922	195	5	this	this	DET
ejif-922	195	6	study	study	NOUN
ejif-922	195	7	suggest	suggest	VERB
ejif-922	195	8	that	that	SCONJ
ejif-922	195	9	bank	bank	NOUN
ejif-922	195	10	specific	specific	ADJ
ejif-922	195	11	characteristics	characteristic	NOUN
ejif-922	195	12	,	,	PUNCT
ejif-922	195	13	in	in	ADP
ejif-922	195	14	particular	particular	ADJ
ejif-922	195	15	capital	capital	NOUN
ejif-922	195	16	adequacy	adequacy	NOUN
ejif-922	195	17	i	i	PRON
ejif-922	195	18	,	,	PUNCT
ejif-922	195	19	e	e	PROPN
ejif-922	195	20	equity	equity	NOUN
ejif-922	195	21	financing	financing	NOUN
ejif-922	195	22	has	have	VERB
ejif-922	195	23	a	a	DET
ejif-922	195	24	positive	positive	ADJ
ejif-922	195	25	and	and	CCONJ
ejif-922	195	26	significant	significant	ADJ
ejif-922	195	27	impact	impact	NOUN
ejif-922	195	28	on	on	ADP
ejif-922	195	29	the	the	DET
ejif-922	195	30	banks	bank	NOUN
ejif-922	195	31	performance	performance	NOUN
ejif-922	195	32	,	,	PUNCT
ejif-922	195	33	while	while	SCONJ
ejif-922	195	34	operational	operational	ADJ
ejif-922	195	35	efficiency	efficiency	NOUN
ejif-922	195	36	such	such	ADJ
ejif-922	195	37	as	as	ADP
ejif-922	195	38	overhead	overhead	ADJ
ejif-922	195	39	expenses	expense	NOUN
ejif-922	195	40	are	be	AUX
ejif-922	195	41	negatively	negatively	ADV
ejif-922	195	42	related	relate	VERB
ejif-922	195	43	to	to	ADP
ejif-922	195	44	islamic	islamic	ADJ
ejif-922	195	45	bank‟s	bank‟s	PROPN
ejif-922	195	46	profitability	profitability	NOUN
ejif-922	195	47	.	.	PUNCT
ejif-922	196	1	in	in	ADP
ejif-922	196	2	this	this	DET
ejif-922	196	3	case	case	NOUN
ejif-922	196	4	the	the	DET
ejif-922	196	5	islamic	islamic	ADJ
ejif-922	196	6	banks	bank	NOUN
ejif-922	196	7	should	should	AUX
ejif-922	196	8	increase	increase	VERB
ejif-922	196	9	the	the	DET
ejif-922	196	10	portfolio	portfolio	NOUN
ejif-922	196	11	of	of	ADP
ejif-922	196	12	equity	equity	NOUN
ejif-922	196	13	financing	financing	NOUN
ejif-922	196	14	rather	rather	ADV
ejif-922	196	15	than	than	ADP
ejif-922	196	16	the	the	DET
ejif-922	196	17	debt	debt	NOUN
ejif-922	196	18	financing	financing	NOUN
ejif-922	196	19	.	.	PUNCT
ejif-922	197	1	it	it	PRON
ejif-922	197	2	means	mean	VERB
ejif-922	197	3	islamic	islamic	ADJ
ejif-922	197	4	banks	bank	NOUN
ejif-922	197	5	should	should	AUX
ejif-922	197	6	increase	increase	VERB
ejif-922	197	7	the	the	DET
ejif-922	197	8	partnership	partnership	NOUN
ejif-922	197	9	contract	contract	NOUN
ejif-922	197	10	like	like	ADP
ejif-922	197	11	mudaraba	mudaraba	NOUN
ejif-922	197	12	,	,	PUNCT
ejif-922	197	13	musharaka	musharaka	NOUN
ejif-922	197	14	contract	contract	VERB
ejif-922	197	15	where	where	SCONJ
ejif-922	197	16	risk	risk	NOUN
ejif-922	197	17	sharing	share	VERB
ejif-922	197	18	principle	principle	NOUN
ejif-922	197	19	can	can	AUX
ejif-922	197	20	be	be	AUX
ejif-922	197	21	established	establish	VERB
ejif-922	197	22	.	.	PUNCT
ejif-922	198	1	islamic	islamic	ADJ
ejif-922	198	2	banks	bank	NOUN
ejif-922	198	3	in	in	ADP
ejif-922	198	4	malaysia	malaysia	PROPN
ejif-922	198	5	are	be	AUX
ejif-922	198	6	ought	ought	AUX
ejif-922	198	7	to	to	PART
ejif-922	198	8	reinforce	reinforce	VERB
ejif-922	198	9	their	their	PRON
ejif-922	198	10	equity	equity	NOUN
ejif-922	198	11	in	in	ADP
ejif-922	198	12	order	order	NOUN
ejif-922	198	13	to	to	PART
ejif-922	198	14	decrease	decrease	VERB
ejif-922	198	15	the	the	DET
ejif-922	198	16	likelihood	likelihood	NOUN
ejif-922	198	17	of	of	ADP
ejif-922	198	18	bankruptcy	bankruptcy	NOUN
ejif-922	198	19	and	and	CCONJ
ejif-922	198	20	increase	increase	VERB
ejif-922	198	21	their	their	PRON
ejif-922	198	22	size	size	NOUN
ejif-922	198	23	to	to	PART
ejif-922	198	24	benefit	benefit	VERB
ejif-922	198	25	from	from	ADP
ejif-922	198	26	the	the	DET
ejif-922	198	27	economies	economy	NOUN
ejif-922	198	28	of	of	ADP
ejif-922	198	29	scale	scale	NOUN
ejif-922	198	30	.	.	PUNCT
ejif-922	199	1	moreover	moreover	ADV
ejif-922	199	2	,	,	PUNCT
ejif-922	199	3	banks	bank	NOUN
ejif-922	199	4	should	should	AUX
ejif-922	199	5	improve	improve	VERB
ejif-922	199	6	the	the	DET
ejif-922	199	7	management	management	NOUN
ejif-922	199	8	of	of	ADP
ejif-922	199	9	their	their	PRON
ejif-922	199	10	loans	loan	NOUN
ejif-922	199	11	with	with	ADP
ejif-922	199	12	respect	respect	NOUN
ejif-922	199	13	to	to	ADP
ejif-922	199	14	total	total	ADJ
ejif-922	199	15	assets	asset	NOUN
ejif-922	199	16	via	via	ADP
ejif-922	199	17	better	well	ADJ
ejif-922	199	18	screening	screening	NOUN
ejif-922	199	19	and	and	CCONJ
ejif-922	199	20	monitoring	monitoring	NOUN
ejif-922	199	21	of	of	ADP
ejif-922	199	22	credits	credit	NOUN
ejif-922	199	23	.	.	PUNCT
ejif-922	200	1	islamic	islamic	ADJ
ejif-922	200	2	banks	bank	NOUN
ejif-922	200	3	should	should	AUX
ejif-922	200	4	manage	manage	VERB
ejif-922	200	5	their	their	PRON
ejif-922	200	6	costs	cost	NOUN
ejif-922	200	7	efficiently	efficiently	ADV
ejif-922	200	8	with	with	ADP
ejif-922	200	9	respect	respect	NOUN
ejif-922	200	10	to	to	ADP
ejif-922	200	11	income	income	NOUN
ejif-922	200	12	to	to	PART
ejif-922	200	13	get	get	VERB
ejif-922	200	14	the	the	DET
ejif-922	200	15	best	good	ADJ
ejif-922	200	16	return	return	NOUN
ejif-922	200	17	on	on	ADP
ejif-922	200	18	asset	asset	NOUN
ejif-922	200	19	.	.	PUNCT
ejif-922	201	1	as	as	SCONJ
ejif-922	201	2	we	we	PRON
ejif-922	201	3	have	have	AUX
ejif-922	201	4	found	find	VERB
ejif-922	201	5	that	that	SCONJ
ejif-922	201	6	the	the	DET
ejif-922	201	7	macroeconomic	macroeconomic	ADJ
ejif-922	201	8	factors	factor	NOUN
ejif-922	201	9	such	such	ADJ
ejif-922	201	10	as	as	ADP
ejif-922	201	11	inflation	inflation	NOUN
ejif-922	201	12	and	and	CCONJ
ejif-922	201	13	savings	saving	NOUN
ejif-922	201	14	to	to	ADP
ejif-922	201	15	gni	gni	PROPN
ejif-922	201	16	plays	play	VERB
ejif-922	201	17	an	an	DET
ejif-922	201	18	important	important	ADJ
ejif-922	201	19	role	role	NOUN
ejif-922	201	20	in	in	ADP
ejif-922	201	21	the	the	DET
ejif-922	201	22	profitability	profitability	NOUN
ejif-922	201	23	of	of	ADP
ejif-922	201	24	islamic	islamic	ADJ
ejif-922	201	25	banks	bank	NOUN
ejif-922	201	26	.	.	PUNCT
ejif-922	202	1	this	this	PRON
ejif-922	202	2	is	be	AUX
ejif-922	202	3	why	why	SCONJ
ejif-922	202	4	;	;	PUNCT
ejif-922	202	5	islamic	islamic	ADJ
ejif-922	202	6	banks	bank	NOUN
ejif-922	202	7	should	should	AUX
ejif-922	202	8	also	also	ADV
ejif-922	202	9	concentrate	concentrate	VERB
ejif-922	202	10	on	on	ADP
ejif-922	202	11	the	the	DET
ejif-922	202	12	exogenous	exogenous	ADJ
ejif-922	202	13	factors	factor	NOUN
ejif-922	202	14	so	so	SCONJ
ejif-922	202	15	that	that	SCONJ
ejif-922	202	16	they	they	PRON
ejif-922	202	17	can	can	AUX
ejif-922	202	18	earn	earn	VERB
ejif-922	202	19	more	more	ADJ
ejif-922	202	20	profits	profit	NOUN
ejif-922	202	21	.	.	PUNCT
ejif-922	203	1	finally	finally	ADV
ejif-922	203	2	,	,	PUNCT
ejif-922	203	3	future	future	ADJ
ejif-922	203	4	research	research	NOUN
ejif-922	203	5	could	could	AUX
ejif-922	203	6	include	include	VERB
ejif-922	203	7	more	more	ADJ
ejif-922	203	8	variables	variable	NOUN
ejif-922	203	9	such	such	ADJ
ejif-922	203	10	as	as	ADP
ejif-922	203	11	taxation	taxation	NOUN
ejif-922	203	12	and	and	CCONJ
ejif-922	203	13	regulation	regulation	NOUN
ejif-922	203	14	indicators	indicator	NOUN
ejif-922	203	15	,	,	PUNCT
ejif-922	203	16	exchange	exchange	NOUN
ejif-922	203	17	rates	rate	NOUN
ejif-922	203	18	as	as	ADV
ejif-922	203	19	well	well	ADV
ejif-922	203	20	as	as	ADP
ejif-922	203	21	indicators	indicator	NOUN
ejif-922	203	22	of	of	ADP
ejif-922	203	23	quality	quality	NOUN
ejif-922	203	24	of	of	ADP
ejif-922	203	25	the	the	DET
ejif-922	203	26	offered	offer	VERB
ejif-922	203	27	services	service	NOUN
ejif-922	203	28	.	.	PUNCT
ejif-922	204	1	another	another	DET
ejif-922	204	2	possible	possible	ADJ
ejif-922	204	3	extension	extension	NOUN
ejif-922	204	4	could	could	AUX
ejif-922	204	5	be	be	AUX
ejif-922	204	6	the	the	DET
ejif-922	204	7	examination	examination	NOUN
ejif-922	204	8	of	of	ADP
ejif-922	204	9	differences	difference	NOUN
ejif-922	204	10	in	in	ADP
ejif-922	204	11	the	the	DET
ejif-922	204	12	determinants	determinant	NOUN
ejif-922	204	13	of	of	ADP
ejif-922	204	14	profitability	profitability	NOUN
ejif-922	204	15	between	between	ADP
ejif-922	204	16	small	small	ADJ
ejif-922	204	17	and	and	CCONJ
ejif-922	204	18	large	large	ADJ
ejif-922	204	19	or	or	CCONJ
ejif-922	204	20	high	high	ADJ
ejif-922	204	21	and	and	CCONJ
ejif-922	204	22	low	low	ADJ
ejif-922	204	23	profitability	profitability	NOUN
ejif-922	204	24	banks	bank	NOUN
ejif-922	204	25	.	.	PUNCT
ejif-922	205	1	viii	viii	PROPN
ejif-922	205	2	.	.	PUNCT
ejif-922	206	1	references	reference	NOUN
ejif-922	207	1	[	[	X
ejif-922	207	2	1]ahmad	1]ahmad	NUM
ejif-922	207	3	,	,	PUNCT
ejif-922	207	4	n.	n.	PROPN
ejif-922	207	5	h.	h.	PROPN
ejif-922	207	6	and	and	CCONJ
ejif-922	207	7	s.	s.	PROPN
ejif-922	207	8	n.	n.	PROPN
ejif-922	207	9	ahmad	ahmad	PROPN
ejif-922	207	10	(	(	PUNCT
ejif-922	207	11	2004	2004	NUM
ejif-922	207	12	)	)	PUNCT
ejif-922	207	13	.	.	PUNCT
ejif-922	208	1	"	"	PUNCT
ejif-922	208	2	key	key	ADJ
ejif-922	208	3	factors	factor	NOUN
ejif-922	208	4	influencing	influence	VERB
ejif-922	208	5	credit	credit	NOUN
ejif-922	208	6	risk	risk	NOUN
ejif-922	208	7	of	of	ADP
ejif-922	208	8	islamic	islamic	PROPN
ejif-922	208	9	bank	bank	PROPN
ejif-922	208	10	:	:	PUNCT
ejif-922	208	11	a	a	DET
ejif-922	208	12	malaysian	malaysian	ADJ
ejif-922	208	13	case	case	NOUN
ejif-922	208	14	.	.	PUNCT
ejif-922	208	15	"	"	PUNCT
ejif-922	209	1	ejif	ejif	PROPN
ejif-922	209	2	–	–	PUNCT
ejif-922	209	3	european	european	PROPN
ejif-922	209	4	journal	journal	PROPN
ejif-922	209	5	of	of	ADP
ejif-922	209	6	islamic	islamic	PROPN
ejif-922	209	7	finance	finance	NOUN
ejif-922	209	8	no2	no2	PROPN
ejif-922	209	9	,	,	PUNCT
ejif-922	209	10	april	april	PROPN
ejif-922	209	11	(	(	PUNCT
ejif-922	209	12	2015	2015	NUM
ejif-922	209	13	)	)	PUNCT
ejif-922	210	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-922	210	2	issn	issn	VERB
ejif-922	210	3	2421	2421	NUM
ejif-922	210	4	-	-	SYM
ejif-922	210	5	2172	2172	NUM
ejif-922	210	6	8	8	NUM
ejif-922	210	7	the	the	DET
ejif-922	210	8	journal	journal	NOUN
ejif-922	210	9	of	of	ADP
ejif-922	210	10	muamalat	muamalat	NOUN
ejif-922	210	11	and	and	CCONJ
ejif-922	210	12	islamic	islamic	ADJ
ejif-922	210	13	finance	finance	NOUN
ejif-922	210	14	research	research	NOUN
ejif-922	210	15	1(1	1(1	NUM
ejif-922	210	16	):	):	PUNCT
ejif-922	210	17	65	65	NUM
ejif-922	210	18	-	-	SYM
ejif-922	210	19	80	80	NUM
ejif-922	210	20	.	.	PUNCT
ejif-922	211	1	[	[	X
ejif-922	211	2	2]al	2]al	NUM
ejif-922	211	3	-	-	PUNCT
ejif-922	211	4	jarrah	jarrah	NOUN
ejif-922	211	5	,	,	PUNCT
ejif-922	211	6	i	i	PRON
ejif-922	211	7	and	and	CCONJ
ejif-922	211	8	molyneux	molyneux	PROPN
ejif-922	211	9	,	,	PUNCT
ejif-922	211	10	p.(2003),"efficiency	p.(2003),"efficiency	PROPN
ejif-922	211	11	in	in	ADP
ejif-922	211	12	arabian	arabian	ADJ
ejif-922	211	13	banking	banking	NOUN
ejif-922	211	14	"	"	PUNCT
ejif-922	211	15	,	,	PUNCT
ejif-922	211	16	paper	paper	NOUN
ejif-922	211	17	presented	present	VERB
ejif-922	211	18	at	at	ADP
ejif-922	211	19	the	the	DET
ejif-922	211	20	international	international	ADJ
ejif-922	211	21	conference	conference	NOUN
ejif-922	211	22	on	on	ADP
ejif-922	211	23	financial	financial	ADJ
ejif-922	211	24	development	development	NOUN
ejif-922	211	25	in	in	ADP
ejif-922	211	26	arab	arab	ADJ
ejif-922	211	27	countries	country	NOUN
ejif-922	211	28	,	,	PUNCT
ejif-922	211	29	abu	abu	PROPN
ejif-922	211	30	dhabi	dhabi	PROPN
ejif-922	212	1	[	[	X
ejif-922	212	2	3]bashir	3]bashir	NUM
ejif-922	212	3	,	,	PUNCT
ejif-922	212	4	a.-h	a.-h	PROPN
ejif-922	212	5	.	.	PUNCT
ejif-922	213	1	m.	m.	NOUN
ejif-922	213	2	(	(	PUNCT
ejif-922	213	3	2003	2003	NUM
ejif-922	213	4	)	)	PUNCT
ejif-922	213	5	.	.	PUNCT
ejif-922	214	1	"	"	PUNCT
ejif-922	214	2	determinants	determinant	NOUN
ejif-922	214	3	of	of	ADP
ejif-922	214	4	profitability	profitability	NOUN
ejif-922	214	5	in	in	ADP
ejif-922	214	6	islamic	islamic	ADJ
ejif-922	214	7	banks	bank	NOUN
ejif-922	214	8	:	:	PUNCT
ejif-922	214	9	some	some	DET
ejif-922	214	10	evidence	evidence	NOUN
ejif-922	214	11	from	from	ADP
ejif-922	214	12	the	the	DET
ejif-922	214	13	middle	middle	PROPN
ejif-922	214	14	east	east	PROPN
ejif-922	214	15	.	.	PUNCT
ejif-922	214	16	"	"	PUNCT
ejif-922	215	1	islamic	islamic	ADJ
ejif-922	215	2	economic	economic	ADJ
ejif-922	215	3	studies	study	NOUN
ejif-922	215	4	11(1	11(1	NUM
ejif-922	215	5	):	):	PUNCT
ejif-922	215	6	31	31	NUM
ejif-922	215	7	-	-	SYM
ejif-922	215	8	57	57	NUM
ejif-922	215	9	.	.	PUNCT
ejif-922	216	1	[	[	X
ejif-922	216	2	4]ben	4]ben	NOUN
ejif-922	216	3	naceur	naceur	ADV
ejif-922	216	4	,	,	PUNCT
ejif-922	216	5	s.	s.	PROPN
ejif-922	216	6	and	and	CCONJ
ejif-922	216	7	m.	m.	NOUN
ejif-922	216	8	goaied	goaie	VERB
ejif-922	216	9	(	(	PUNCT
ejif-922	216	10	2008	2008	NUM
ejif-922	216	11	)	)	PUNCT
ejif-922	216	12	.	.	PUNCT
ejif-922	217	1	"	"	PUNCT
ejif-922	217	2	the	the	DET
ejif-922	217	3	determinants	determinant	NOUN
ejif-922	217	4	of	of	ADP
ejif-922	217	5	commercial	commercial	ADJ
ejif-922	217	6	bank	bank	NOUN
ejif-922	217	7	interest	interest	NOUN
ejif-922	217	8	margin	margin	NOUN
ejif-922	217	9	and	and	CCONJ
ejif-922	217	10	profitability	profitability	NOUN
ejif-922	217	11	:	:	PUNCT
ejif-922	217	12	evidence	evidence	NOUN
ejif-922	217	13	from	from	ADP
ejif-922	217	14	tunisia	tunisia	PROPN
ejif-922	217	15	.	.	PUNCT
ejif-922	217	16	"	"	PUNCT
ejif-922	217	17	frontiers	frontier	NOUN
ejif-922	217	18	in	in	ADP
ejif-922	217	19	finance	finance	NOUN
ejif-922	217	20	and	and	CCONJ
ejif-922	217	21	economics	economic	NOUN
ejif-922	217	22	5(1	5(1	NUM
ejif-922	217	23	):	):	PUNCT
ejif-922	217	24	106130	106130	NUM
ejif-922	217	25	.	.	PUNCT
ejif-922	218	1	[	[	X
ejif-922	218	2	5]berger	5]berger	ADP
ejif-922	218	3	,	,	PUNCT
ejif-922	218	4	a.	a.	NOUN
ejif-922	218	5	n.	n.	NOUN
ejif-922	218	6	(	(	PUNCT
ejif-922	218	7	1995	1995	NUM
ejif-922	218	8	)	)	PUNCT
ejif-922	218	9	.	.	PUNCT
ejif-922	219	1	"	"	PUNCT
ejif-922	219	2	the	the	DET
ejif-922	219	3	relationship	relationship	NOUN
ejif-922	219	4	between	between	ADP
ejif-922	219	5	capital	capital	NOUN
ejif-922	219	6	and	and	CCONJ
ejif-922	219	7	earnings	earning	NOUN
ejif-922	219	8	in	in	ADP
ejif-922	219	9	banking	banking	NOUN
ejif-922	219	10	.	.	PUNCT
ejif-922	219	11	"	"	PUNCT
ejif-922	220	1	journal	journal	NOUN
ejif-922	220	2	of	of	ADP
ejif-922	220	3	money	money	NOUN
ejif-922	220	4	,	,	PUNCT
ejif-922	220	5	credit	credit	NOUN
ejif-922	220	6	and	and	CCONJ
ejif-922	220	7	banking	banking	NOUN
ejif-922	220	8	:	:	PUNCT
ejif-922	220	9	432	432	NUM
ejif-922	220	10	-	-	SYM
ejif-922	220	11	456	456	NUM
ejif-922	220	12	.	.	PUNCT
ejif-922	221	1	[	[	X
ejif-922	221	2	6]bernheim	6]bernheim	ADP
ejif-922	221	3	,	,	PUNCT
ejif-922	221	4	b.	b.	PROPN
ejif-922	221	5	d.	d.	PROPN
ejif-922	221	6	and	and	CCONJ
ejif-922	221	7	j.	j.	PROPN
ejif-922	221	8	b.	b.	PROPN
ejif-922	221	9	shoven	shoven	PROPN
ejif-922	221	10	(	(	PUNCT
ejif-922	221	11	1991	1991	NUM
ejif-922	221	12	)	)	PUNCT
ejif-922	221	13	.	.	PUNCT
ejif-922	222	1	introduction	introduction	NOUN
ejif-922	222	2	to	to	ADP
ejif-922	222	3	"	"	PUNCT
ejif-922	222	4	national	national	ADJ
ejif-922	222	5	saving	saving	NOUN
ejif-922	222	6	and	and	CCONJ
ejif-922	222	7	economic	economic	ADJ
ejif-922	222	8	performance	performance	NOUN
ejif-922	222	9	"	"	PUNCT
ejif-922	222	10	.	.	PUNCT
ejif-922	223	1	national	national	ADJ
ejif-922	223	2	saving	saving	NOUN
ejif-922	223	3	and	and	CCONJ
ejif-922	223	4	economic	economic	ADJ
ejif-922	223	5	performance	performance	NOUN
ejif-922	223	6	,	,	PUNCT
ejif-922	223	7	university	university	NOUN
ejif-922	223	8	of	of	ADP
ejif-922	223	9	chicago	chicago	PROPN
ejif-922	223	10	press	press	NOUN
ejif-922	223	11	:	:	PUNCT
ejif-922	223	12	114	114	NUM
ejif-922	223	13	.	.	PUNCT
ejif-922	224	1	[	[	X
ejif-922	224	2	7]demirgüç	7]demirgüç	NUM
ejif-922	224	3	-	-	PUNCT
ejif-922	224	4	kunt	kunt	NOUN
ejif-922	224	5	,	,	PUNCT
ejif-922	224	6	a.	a.	NOUN
ejif-922	224	7	and	and	CCONJ
ejif-922	224	8	h.	h.	PROPN
ejif-922	224	9	huizinga	huizinga	PROPN
ejif-922	224	10	(	(	PUNCT
ejif-922	224	11	1999	1999	NUM
ejif-922	224	12	)	)	PUNCT
ejif-922	224	13	.	.	PUNCT
ejif-922	225	1	"	"	PUNCT
ejif-922	225	2	determinants	determinant	NOUN
ejif-922	225	3	of	of	ADP
ejif-922	225	4	commercial	commercial	ADJ
ejif-922	225	5	bank	bank	NOUN
ejif-922	225	6	interest	interest	NOUN
ejif-922	225	7	margins	margin	NOUN
ejif-922	225	8	and	and	CCONJ
ejif-922	225	9	profitability	profitability	NOUN
ejif-922	225	10	:	:	PUNCT
ejif-922	225	11	some	some	DET
ejif-922	225	12	international	international	ADJ
ejif-922	225	13	evidence	evidence	NOUN
ejif-922	225	14	.	.	PUNCT
ejif-922	225	15	"	"	PUNCT
ejif-922	226	1	the	the	DET
ejif-922	226	2	world	world	PROPN
ejif-922	226	3	bank	bank	PROPN
ejif-922	226	4	economic	economic	PROPN
ejif-922	226	5	review	review	PROPN
ejif-922	226	6	13(2	13(2	NOUN
ejif-922	226	7	):	):	PUNCT
ejif-922	226	8	379	379	NUM
ejif-922	226	9	-	-	SYM
ejif-922	226	10	408	408	NUM
ejif-922	226	11	.	.	PUNCT
ejif-922	227	1	[	[	X
ejif-922	227	2	8]goddard	8]goddard	NUM
ejif-922	227	3	,	,	PUNCT
ejif-922	227	4	j.	j.	PROPN
ejif-922	227	5	,	,	PUNCT
ejif-922	227	6	et	et	PROPN
ejif-922	227	7	al	al	PROPN
ejif-922	227	8	.	.	PROPN
ejif-922	228	1	(	(	PUNCT
ejif-922	228	2	2004	2004	NUM
ejif-922	228	3	)	)	PUNCT
ejif-922	228	4	.	.	PUNCT
ejif-922	229	1	"	"	PUNCT
ejif-922	229	2	the	the	DET
ejif-922	229	3	profitability	profitability	NOUN
ejif-922	229	4	of	of	ADP
ejif-922	229	5	european	european	ADJ
ejif-922	229	6	banks	bank	NOUN
ejif-922	229	7	:	:	PUNCT
ejif-922	229	8	a	a	DET
ejif-922	229	9	cross‐sectional	cross‐sectional	ADJ
ejif-922	229	10	and	and	CCONJ
ejif-922	229	11	dynamic	dynamic	ADJ
ejif-922	229	12	panel	panel	NOUN
ejif-922	229	13	analysis	analysis	NOUN
ejif-922	229	14	.	.	PUNCT
ejif-922	229	15	"	"	PUNCT
ejif-922	230	1	the	the	DET
ejif-922	230	2	manchester	manchester	PROPN
ejif-922	230	3	school	school	PROPN
ejif-922	230	4	72(3	72(3	NUM
ejif-922	230	5	):	):	PUNCT
ejif-922	230	6	363	363	NUM
ejif-922	230	7	-	-	SYM
ejif-922	230	8	381	381	NUM
ejif-922	230	9	.	.	PUNCT
ejif-922	231	1	[	[	X
ejif-922	231	2	9]guru	9]guru	NUM
ejif-922	231	3	,	,	PUNCT
ejif-922	231	4	b.	b.	PROPN
ejif-922	231	5	k.	k.	PROPN
ejif-922	231	6	,	,	PUNCT
ejif-922	231	7	et	et	PROPN
ejif-922	231	8	al	al	PROPN
ejif-922	231	9	.	.	PUNCT
ejif-922	232	1	(	(	PUNCT
ejif-922	232	2	2002	2002	NUM
ejif-922	232	3	)	)	PUNCT
ejif-922	232	4	.	.	PUNCT
ejif-922	233	1	"	"	PUNCT
ejif-922	233	2	determinants	determinant	NOUN
ejif-922	233	3	of	of	ADP
ejif-922	233	4	commercial	commercial	ADJ
ejif-922	233	5	bankprofitability	bankprofitability	NOUN
ejif-922	233	6	in	in	ADP
ejif-922	233	7	malaysia	malaysia	PROPN
ejif-922	233	8	.	.	PUNCT
ejif-922	233	9	"	"	PUNCT
ejif-922	233	10	journal	journal	NOUN
ejif-922	233	11	of	of	ADP
ejif-922	233	12	money	money	NOUN
ejif-922	233	13	,	,	PUNCT
ejif-922	233	14	credit	credit	NOUN
ejif-922	233	15	,	,	PUNCT
ejif-922	233	16	and	and	CCONJ
ejif-922	233	17	banking	bank	VERB
ejif-922	233	18	17	17	NUM
ejif-922	233	19	:	:	PUNCT
ejif-922	233	20	69	69	NUM
ejif-922	233	21	-	-	SYM
ejif-922	233	22	82	82	NUM
ejif-922	233	23	.	.	PUNCT
ejif-922	234	1	[	[	X
ejif-922	234	2	10]haron	10]haron	NUM
ejif-922	234	3	,	,	PUNCT
ejif-922	234	4	s.	s.	PROPN
ejif-922	234	5	(	(	PUNCT
ejif-922	234	6	1996	1996	NUM
ejif-922	234	7	)	)	PUNCT
ejif-922	234	8	.	.	PUNCT
ejif-922	235	1	"	"	PUNCT
ejif-922	235	2	competition	competition	NOUN
ejif-922	235	3	and	and	CCONJ
ejif-922	235	4	other	other	ADJ
ejif-922	235	5	external	external	ADJ
ejif-922	235	6	determinants	determinant	NOUN
ejif-922	235	7	of	of	ADP
ejif-922	235	8	the	the	DET
ejif-922	235	9	profitability	profitability	NOUN
ejif-922	235	10	of	of	ADP
ejif-922	235	11	islamic	islamic	ADJ
ejif-922	235	12	banks	bank	NOUN
ejif-922	235	13	.	.	PUNCT
ejif-922	235	14	"	"	PUNCT
ejif-922	236	1	islamic	islamic	ADJ
ejif-922	236	2	economic	economic	ADJ
ejif-922	236	3	studies	study	NOUN
ejif-922	236	4	4(1	4(1	NOUN
ejif-922	236	5	):	):	PUNCT
ejif-922	236	6	49	49	NUM
ejif-922	236	7	-	-	SYM
ejif-922	236	8	64	64	NUM
ejif-922	236	9	.	.	PUNCT
ejif-922	237	1	[	[	X
ejif-922	237	2	11]haron	11]haron	NUM
ejif-922	237	3	,	,	PUNCT
ejif-922	237	4	s.	s.	PROPN
ejif-922	237	5	(	(	PUNCT
ejif-922	237	6	2004	2004	NUM
ejif-922	237	7	)	)	PUNCT
ejif-922	237	8	.	.	PUNCT
ejif-922	238	1	"	"	PUNCT
ejif-922	238	2	determinants	determinant	NOUN
ejif-922	238	3	of	of	ADP
ejif-922	238	4	islamic	islamic	PROPN
ejif-922	238	5	bank	bank	PROPN
ejif-922	238	6	profitability	profitability	NOUN
ejif-922	238	7	.	.	PUNCT
ejif-922	238	8	"	"	PUNCT
ejif-922	238	9	global	global	ADJ
ejif-922	238	10	journal	journal	NOUN
ejif-922	238	11	of	of	ADP
ejif-922	238	12	finance	finance	NOUN
ejif-922	238	13	and	and	CCONJ
ejif-922	238	14	economics	economic	NOUN
ejif-922	238	15	1(1	1(1	NUM
ejif-922	238	16	):	):	PUNCT
ejif-922	238	17	11	11	NUM
ejif-922	238	18	-	-	SYM
ejif-922	238	19	33	33	NUM
ejif-922	238	20	.	.	PUNCT
ejif-922	239	1	[	[	X
ejif-922	239	2	12]izhar	12]izhar	NUM
ejif-922	239	3	,	,	PUNCT
ejif-922	239	4	h.	h.	PROPN
ejif-922	239	5	and	and	CCONJ
ejif-922	239	6	m.	m.	NOUN
ejif-922	239	7	asutay	asutay	PROPN
ejif-922	239	8	(	(	PUNCT
ejif-922	239	9	2007	2007	NUM
ejif-922	239	10	)	)	PUNCT
ejif-922	239	11	.	.	PUNCT
ejif-922	240	1	"	"	PUNCT
ejif-922	240	2	estimating	estimate	VERB
ejif-922	240	3	the	the	DET
ejif-922	240	4	profitability	profitability	NOUN
ejif-922	240	5	of	of	ADP
ejif-922	240	6	islamic	islamic	ADJ
ejif-922	240	7	banking	banking	NOUN
ejif-922	240	8	:	:	PUNCT
ejif-922	240	9	evidence	evidence	NOUN
ejif-922	240	10	from	from	ADP
ejif-922	240	11	bank	bank	PROPN
ejif-922	240	12	muamalat	muamalat	PROPN
ejif-922	240	13	indonesia	indonesia	PROPN
ejif-922	240	14	.	.	PUNCT
ejif-922	240	15	"	"	PUNCT
ejif-922	241	1	review	review	NOUN
ejif-922	241	2	of	of	ADP
ejif-922	241	3	islamic	islamic	ADJ
ejif-922	241	4	economics	economics	PROPN
ejif-922	241	5	11(2	11(2	NUM
ejif-922	241	6	):	):	PUNCT
ejif-922	241	7	17	17	NUM
ejif-922	241	8	.	.	PUNCT
ejif-922	242	1	[	[	X
ejif-922	242	2	13]karim	13]karim	NUM
ejif-922	242	3	,	,	PUNCT
ejif-922	242	4	b.	b.	PROPN
ejif-922	242	5	k.	k.	PROPN
ejif-922	242	6	,	,	PUNCT
ejif-922	242	7	et	et	PROPN
ejif-922	242	8	al	al	PROPN
ejif-922	242	9	.	.	PUNCT
ejif-922	243	1	(	(	PUNCT
ejif-922	243	2	2010	2010	NUM
ejif-922	243	3	)	)	PUNCT
ejif-922	243	4	.	.	PUNCT
ejif-922	244	1	"	"	PUNCT
ejif-922	244	2	bank	bank	NOUN
ejif-922	244	3	-	-	PUNCT
ejif-922	244	4	specific	specific	ADJ
ejif-922	244	5	,	,	PUNCT
ejif-922	244	6	industryspecific	industryspecific	ADJ
ejif-922	244	7	and	and	CCONJ
ejif-922	244	8	macroeconomic	macroeconomic	ADJ
ejif-922	244	9	determinants	determinant	NOUN
ejif-922	244	10	of	of	ADP
ejif-922	244	11	african	african	ADJ
ejif-922	244	12	islamic	islamic	ADJ
ejif-922	244	13	banks	bank	NOUN
ejif-922	244	14	'	'	PART
ejif-922	244	15	profitability	profitability	NOUN
ejif-922	244	16	.	.	PUNCT
ejif-922	244	17	"	"	PUNCT
ejif-922	245	1	international	international	ADJ
ejif-922	245	2	journal	journal	NOUN
ejif-922	245	3	of	of	ADP
ejif-922	245	4	business	business	NOUN
ejif-922	245	5	and	and	CCONJ
ejif-922	245	6	management	management	NOUN
ejif-922	245	7	science	science	NOUN
ejif-922	245	8	3(1	3(1	NUM
ejif-922	245	9	):	):	PUNCT
ejif-922	245	10	39	39	NUM
ejif-922	245	11	.	.	PUNCT
ejif-922	246	1	[	[	X
ejif-922	246	2	14]kosmidou	14]kosmidou	NUM
ejif-922	246	3	,	,	PUNCT
ejif-922	246	4	k.	k.	PROPN
ejif-922	246	5	(	(	PUNCT
ejif-922	246	6	2008	2008	NUM
ejif-922	246	7	)	)	PUNCT
ejif-922	246	8	.	.	PUNCT
ejif-922	247	1	"	"	PUNCT
ejif-922	247	2	the	the	DET
ejif-922	247	3	determinants	determinant	NOUN
ejif-922	247	4	of	of	ADP
ejif-922	247	5	banks	bank	NOUN
ejif-922	247	6	'	'	PART
ejif-922	247	7	profits	profit	NOUN
ejif-922	247	8	in	in	ADP
ejif-922	247	9	greece	greece	PROPN
ejif-922	247	10	during	during	ADP
ejif-922	247	11	the	the	DET
ejif-922	247	12	period	period	NOUN
ejif-922	247	13	of	of	ADP
ejif-922	247	14	eu	eu	PROPN
ejif-922	247	15	financial	financial	ADJ
ejif-922	247	16	integration	integration	NOUN
ejif-922	247	17	.	.	PUNCT
ejif-922	247	18	"	"	PUNCT
ejif-922	247	19	managerial	managerial	ADJ
ejif-922	247	20	finance	finance	NOUN
ejif-922	247	21	34(3	34(3	NUM
ejif-922	247	22	):	):	PUNCT
ejif-922	247	23	146	146	NUM
ejif-922	247	24	-	-	SYM
ejif-922	247	25	159	159	NUM
ejif-922	247	26	.	.	PUNCT
ejif-922	248	1	[	[	X
ejif-922	248	2	15]miller	15]miller	NUM
ejif-922	248	3	,	,	PUNCT
ejif-922	248	4	s.	s.	PROPN
ejif-922	248	5	m.	m.	PROPN
ejif-922	248	6	and	and	CCONJ
ejif-922	248	7	a.	a.	PROPN
ejif-922	248	8	g.	g.	PROPN
ejif-922	248	9	noulas	noulas	PROPN
ejif-922	248	10	(	(	PUNCT
ejif-922	248	11	1997	1997	NUM
ejif-922	248	12	)	)	PUNCT
ejif-922	248	13	.	.	PUNCT
ejif-922	249	1	"	"	PUNCT
ejif-922	249	2	portfolio	portfolio	NOUN
ejif-922	249	3	mix	mix	NOUN
ejif-922	249	4	and	and	CCONJ
ejif-922	249	5	large	large	ADJ
ejif-922	249	6	-	-	PUNCT
ejif-922	249	7	bank	bank	NOUN
ejif-922	249	8	profitability	profitability	NOUN
ejif-922	249	9	in	in	ADP
ejif-922	249	10	the	the	DET
ejif-922	249	11	usa	usa	PROPN
ejif-922	249	12	.	.	PUNCT
ejif-922	249	13	"	"	PUNCT
ejif-922	249	14	applied	apply	VERB
ejif-922	249	15	economics	economic	NOUN
ejif-922	249	16	29(4	29(4	NOUN
ejif-922	249	17	):	):	PUNCT
ejif-922	249	18	505	505	NUM
ejif-922	249	19	-	-	SYM
ejif-922	249	20	512	512	NUM
ejif-922	249	21	.	.	PUNCT
ejif-922	250	1	[	[	X
ejif-922	250	2	16]pasiouras	16]pasiouras	NUM
ejif-922	250	3	,	,	PUNCT
ejif-922	250	4	f.	f.	PROPN
ejif-922	250	5	and	and	CCONJ
ejif-922	250	6	k.	k.	PROPN
ejif-922	250	7	kosmidou	kosmidou	PROPN
ejif-922	250	8	(	(	PUNCT
ejif-922	250	9	2007	2007	NUM
ejif-922	250	10	)	)	PUNCT
ejif-922	250	11	.	.	PUNCT
ejif-922	251	1	"	"	PUNCT
ejif-922	251	2	factors	factor	NOUN
ejif-922	251	3	influencing	influence	VERB
ejif-922	251	4	the	the	DET
ejif-922	251	5	profitability	profitability	NOUN
ejif-922	251	6	of	of	ADP
ejif-922	251	7	domestic	domestic	ADJ
ejif-922	251	8	and	and	CCONJ
ejif-922	251	9	foreign	foreign	ADJ
ejif-922	251	10	commercial	commercial	ADJ
ejif-922	251	11	banks	bank	NOUN
ejif-922	251	12	in	in	ADP
ejif-922	251	13	the	the	DET
ejif-922	251	14	european	european	PROPN
ejif-922	251	15	union	union	PROPN
ejif-922	251	16	.	.	PUNCT
ejif-922	251	17	"	"	PUNCT
ejif-922	252	1	research	research	NOUN
ejif-922	252	2	in	in	ADP
ejif-922	252	3	international	international	ADJ
ejif-922	252	4	business	business	NOUN
ejif-922	252	5	and	and	CCONJ
ejif-922	252	6	finance	finance	NOUN
ejif-922	252	7	21(2	21(2	NUM
ejif-922	252	8	):	):	PUNCT
ejif-922	252	9	222	222	NUM
ejif-922	252	10	-	-	SYM
ejif-922	252	11	237	237	NUM
ejif-922	252	12	.	.	PUNCT
ejif-922	253	1	[	[	X
ejif-922	253	2	17]perry	17]perry	NUM
ejif-922	253	3	,	,	PUNCT
ejif-922	253	4	p.	p.	NOUN
ejif-922	253	5	(	(	PUNCT
ejif-922	253	6	1992	1992	NUM
ejif-922	253	7	)	)	PUNCT
ejif-922	253	8	.	.	PUNCT
ejif-922	254	1	"	"	PUNCT
ejif-922	254	2	do	do	AUX
ejif-922	254	3	banks	bank	NOUN
ejif-922	254	4	gain	gain	VERB
ejif-922	254	5	or	or	CCONJ
ejif-922	254	6	lose	lose	VERB
ejif-922	254	7	from	from	ADP
ejif-922	254	8	inflation	inflation	NOUN
ejif-922	254	9	.	.	PUNCT
ejif-922	254	10	"	"	PUNCT
ejif-922	255	1	journal	journal	NOUN
ejif-922	255	2	of	of	ADP
ejif-922	255	3	retail	retail	ADJ
ejif-922	255	4	banking	banking	NOUN
ejif-922	255	5	14(2	14(2	NUM
ejif-922	255	6	):	):	PUNCT
ejif-922	255	7	25	25	NUM
ejif-922	255	8	-	-	SYM
ejif-922	255	9	30	30	NUM
ejif-922	255	10	.	.	PUNCT
ejif-922	256	1	[	[	X
ejif-922	256	2	18]rivard	18]rivard	NUM
ejif-922	256	3	,	,	PUNCT
ejif-922	256	4	r.	r.	PROPN
ejif-922	256	5	j.	j.	PROPN
ejif-922	256	6	and	and	CCONJ
ejif-922	256	7	c.	c.	PROPN
ejif-922	256	8	r.	r.	PROPN
ejif-922	256	9	thomas	thomas	PROPN
ejif-922	256	10	(	(	PUNCT
ejif-922	256	11	1997	1997	NUM
ejif-922	256	12	)	)	PUNCT
ejif-922	256	13	.	.	PUNCT
ejif-922	257	1	"	"	PUNCT
ejif-922	257	2	the	the	DET
ejif-922	257	3	effect	effect	NOUN
ejif-922	257	4	of	of	ADP
ejif-922	257	5	interstate	interstate	ADJ
ejif-922	257	6	banking	banking	NOUN
ejif-922	257	7	on	on	ADP
ejif-922	257	8	large	large	ADJ
ejif-922	257	9	bank	bank	NOUN
ejif-922	257	10	holding	hold	VERB
ejif-922	257	11	company	company	NOUN
ejif-922	257	12	profitability	profitability	NOUN
ejif-922	257	13	and	and	CCONJ
ejif-922	257	14	risk	risk	NOUN
ejif-922	257	15	.	.	PUNCT
ejif-922	257	16	"	"	PUNCT
ejif-922	258	1	journal	journal	NOUN
ejif-922	258	2	of	of	ADP
ejif-922	258	3	economics	economic	NOUN
ejif-922	258	4	and	and	CCONJ
ejif-922	258	5	business	business	NOUN
ejif-922	258	6	49(1	49(1	NOUN
ejif-922	258	7	):	):	PUNCT
ejif-922	258	8	61	61	NUM
ejif-922	258	9	-	-	SYM
ejif-922	258	10	76	76	NUM
ejif-922	258	11	.	.	PUNCT
ejif-922	259	1	[	[	X
ejif-922	259	2	19]staikouras	19]staikouras	NUM
ejif-922	259	3	,	,	PUNCT
ejif-922	259	4	c.	c.	NOUN
ejif-922	259	5	and	and	CCONJ
ejif-922	259	6	g.	g.	PROPN
ejif-922	259	7	wood	wood	PROPN
ejif-922	259	8	(	(	PUNCT
ejif-922	259	9	2003	2003	NUM
ejif-922	259	10	)	)	PUNCT
ejif-922	259	11	.	.	PUNCT
ejif-922	260	1	the	the	DET
ejif-922	260	2	determinants	determinant	NOUN
ejif-922	260	3	of	of	ADP
ejif-922	260	4	bank	bank	NOUN
ejif-922	260	5	profitability	profitability	NOUN
ejif-922	260	6	in	in	ADP
ejif-922	260	7	europe	europe	PROPN
ejif-922	260	8	.	.	PUNCT
ejif-922	261	1	european	european	PROPN
ejif-922	261	2	applied	apply	VERB
ejif-922	261	3	business	business	NOUN
ejif-922	261	4	research	research	NOUN
ejif-922	261	5	conference	conference	NOUN
ejif-922	261	6	,	,	PUNCT
ejif-922	261	7	venice	venice	PROPN
ejif-922	261	8	.	.	PUNCT
ejif-922	262	1	[	[	X
ejif-922	262	2	20]short	20]short	NUM
ejif-922	262	3	,	,	PUNCT
ejif-922	262	4	b.	b.	PROPN
ejif-922	262	5	k.	k.	PROPN
ejif-922	262	6	(	(	PUNCT
ejif-922	262	7	1979	1979	NUM
ejif-922	262	8	)	)	PUNCT
ejif-922	262	9	.	.	PUNCT
ejif-922	263	1	"	"	PUNCT
ejif-922	263	2	the	the	DET
ejif-922	263	3	relation	relation	NOUN
ejif-922	263	4	between	between	ADP
ejif-922	263	5	commercial	commercial	ADJ
ejif-922	263	6	bank	bank	NOUN
ejif-922	263	7	profit	profit	NOUN
ejif-922	263	8	rates	rate	NOUN
ejif-922	263	9	and	and	CCONJ
ejif-922	263	10	banking	banking	NOUN
ejif-922	263	11	concentration	concentration	NOUN
ejif-922	263	12	in	in	ADP
ejif-922	263	13	canada	canada	PROPN
ejif-922	263	14	,	,	PUNCT
ejif-922	263	15	western	western	PROPN
ejif-922	263	16	europe	europe	PROPN
ejif-922	263	17	,	,	PUNCT
ejif-922	263	18	and	and	CCONJ
ejif-922	263	19	japan	japan	PROPN
ejif-922	263	20	.	.	PUNCT
ejif-922	263	21	"	"	PUNCT
ejif-922	264	1	journal	journal	NOUN
ejif-922	264	2	of	of	ADP
ejif-922	264	3	banking	banking	NOUN
ejif-922	264	4	&	&	CCONJ
ejif-922	264	5	finance	finance	PROPN
ejif-922	264	6	3(3	3(3	NUM
ejif-922	264	7	):	):	PUNCT
ejif-922	264	8	209	209	NUM
ejif-922	264	9	-	-	SYM
ejif-922	264	10	219	219	NUM
ejif-922	264	11	.	.	PUNCT
ejif-922	265	1	[	[	X
ejif-922	265	2	21]srairi	21]srairi	NUM
ejif-922	265	3	,	,	PUNCT
ejif-922	265	4	s.	s.	PROPN
ejif-922	265	5	a.	a.	PROPN
ejif-922	265	6	(	(	PUNCT
ejif-922	265	7	2009	2009	NUM
ejif-922	265	8	)	)	PUNCT
ejif-922	265	9	.	.	PUNCT
ejif-922	266	1	"	"	PUNCT
ejif-922	266	2	factors	factor	NOUN
ejif-922	266	3	influencing	influence	VERB
ejif-922	266	4	the	the	DET
ejif-922	266	5	profitability	profitability	NOUN
ejif-922	266	6	of	of	ADP
ejif-922	266	7	conventional	conventional	ADJ
ejif-922	266	8	and	and	CCONJ
ejif-922	266	9	islamic	islamic	ADJ
ejif-922	266	10	commercial	commercial	ADJ
ejif-922	266	11	banks	bank	NOUN
ejif-922	266	12	in	in	ADP
ejif-922	266	13	gcc	gcc	NOUN
ejif-922	266	14	countries	country	NOUN
ejif-922	266	15	.	.	PUNCT
ejif-922	266	16	"	"	PUNCT
ejif-922	267	1	review	review	NOUN
ejif-922	267	2	of	of	ADP
ejif-922	267	3	islamic	islamic	ADJ
ejif-922	267	4	economics	economic	NOUN
ejif-922	267	5	13(1	13(1	NUM
ejif-922	267	6	):	):	PUNCT
ejif-922	267	7	5	5	NUM
ejif-922	267	8	-	-	SYM
ejif-922	267	9	30	30	NUM
ejif-922	267	10	.	.	PUNCT
ejif-922	268	1	[	[	X
ejif-922	268	2	22]sufian	22]sufian	NUM
ejif-922	268	3	,	,	PUNCT
ejif-922	268	4	f.	f.	PROPN
ejif-922	268	5	and	and	CCONJ
ejif-922	268	6	m.	m.	PROPN
ejif-922	268	7	s.	s.	PROPN
ejif-922	268	8	habibullah	habibullah	PROPN
ejif-922	268	9	(	(	PUNCT
ejif-922	268	10	2009	2009	NUM
ejif-922	268	11	)	)	PUNCT
ejif-922	268	12	.	.	PUNCT
ejif-922	269	1	"	"	PUNCT
ejif-922	269	2	bank	bank	NOUN
ejif-922	269	3	specific	specific	ADJ
ejif-922	269	4	and	and	CCONJ
ejif-922	269	5	macroeconomic	macroeconomic	ADJ
ejif-922	269	6	determinants	determinant	NOUN
ejif-922	269	7	of	of	ADP
ejif-922	269	8	bank	bank	NOUN
ejif-922	269	9	profitability	profitability	NOUN
ejif-922	269	10	:	:	PUNCT
ejif-922	269	11	empirical	empirical	ADJ
ejif-922	269	12	evidence	evidence	NOUN
ejif-922	269	13	from	from	ADP
ejif-922	269	14	the	the	DET
ejif-922	269	15	china	china	PROPN
ejif-922	269	16	banking	banking	NOUN
ejif-922	269	17	sector	sector	NOUN
ejif-922	269	18	.	.	PUNCT
ejif-922	269	19	"	"	PUNCT
ejif-922	270	1	frontiers	frontier	NOUN
ejif-922	270	2	of	of	ADP
ejif-922	270	3	economics	economic	NOUN
ejif-922	270	4	in	in	ADP
ejif-922	270	5	china	china	PROPN
ejif-922	270	6	4(2	4(2	NUM
ejif-922	270	7	):	):	PUNCT
ejif-922	270	8	274	274	NUM
ejif-922	270	9	-	-	SYM
ejif-922	270	10	291	291	NUM
ejif-922	270	11	.	.	PUNCT
ejif-922	271	1	[	[	X
ejif-922	271	2	23]teng	23]teng	NUM
ejif-922	271	3	,	,	PUNCT
ejif-922	271	4	k.	k.	PROPN
ejif-922	271	5	y.	y.	PROPN
ejif-922	271	6	(	(	PUNCT
ejif-922	271	7	2012	2012	NUM
ejif-922	271	8	)	)	PUNCT
ejif-922	271	9	.	.	PUNCT
ejif-922	272	1	the	the	DET
ejif-922	272	2	determinants	determinant	NOUN
ejif-922	272	3	of	of	ADP
ejif-922	272	4	islamic	islamic	ADJ
ejif-922	272	5	banks	bank	NOUN
ejif-922	272	6	profitability	profitability	NOUN
ejif-922	272	7	in	in	ADP
ejif-922	272	8	malaysia	malaysia	PROPN
ejif-922	272	9	,	,	PUNCT
ejif-922	272	10	universiti	universiti	PROPN
ejif-922	272	11	tunku	tunku	PROPN
ejif-922	272	12	abdul	abdul	PROPN
ejif-922	272	13	rahman	rahman	PROPN
ejif-922	272	14	.	.	PUNCT
ejif-922	273	1	ejif	ejif	PROPN
ejif-922	273	2	–	–	PUNCT
ejif-922	273	3	european	european	PROPN
ejif-922	273	4	journal	journal	PROPN
ejif-922	273	5	of	of	ADP
ejif-922	273	6	islamic	islamic	PROPN
ejif-922	273	7	finance	finance	PROPN
ejif-922	273	8	editorial	editorial	ADJ
ejif-922	273	9	team	team	NOUN
ejif-922	273	10	editor	editor	NOUN
ejif-922	273	11	in	in	ADP
ejif-922	273	12	chief	chief	ADJ
ejif-922	273	13	prof	prof	NOUN
ejif-922	273	14	.	.	PUNCT
ejif-922	273	15	paolo	paolo	PROPN
ejif-922	273	16	pietro	pietro	PROPN
ejif-922	273	17	biancone	biancone	NOUN
ejif-922	273	18	,	,	PUNCT
ejif-922	273	19	university	university	PROPN
ejif-922	273	20	of	of	ADP
ejif-922	273	21	turin	turin	PROPN
ejif-922	273	22	,	,	PUNCT
ejif-922	273	23	italy	italy	PROPN
ejif-922	273	24	editorial	editorial	PROPN
ejif-922	273	25	board	board	PROPN
ejif-922	273	26	prof	prof	PROPN
ejif-922	273	27	.	.	PUNCT
ejif-922	274	1	dian	dian	PROPN
ejif-922	274	2	masyita	masyita	PROPN
ejif-922	274	3	,	,	PUNCT
ejif-922	274	4	university	university	NOUN
ejif-922	274	5	of	of	ADP
ejif-922	274	6	padjadjaran	padjadjaran	PROPN
ejif-922	274	7	,	,	PUNCT
ejif-922	274	8	indonesia	indonesia	PROPN
ejif-922	274	9	prof	prof	PROPN
ejif-922	274	10	.	.	PUNCT
ejif-922	275	1	abdulazeem	abdulazeem	PROPN
ejif-922	275	2	abozaid	abozaid	PROPN
ejif-922	275	3	,	,	PUNCT
ejif-922	275	4	qatar	qatar	PROPN
ejif-922	275	5	faculty	faculty	NOUN
ejif-922	275	6	of	of	ADP
ejif-922	275	7	islamic	islamic	ADJ
ejif-922	275	8	studies	study	NOUN
ejif-922	275	9	–	–	PUNCT
ejif-922	275	10	qatar	qatar	PROPN
ejif-922	275	11	prof	prof	NOUN
ejif-922	275	12	.	.	PUNCT
ejif-922	276	1	ahmad	ahmad	PROPN
ejif-922	276	2	aref	aref	PROPN
ejif-922	276	3	almazari	almazari	PROPN
ejif-922	276	4	,	,	PUNCT
ejif-922	276	5	king	king	PROPN
ejif-922	276	6	saud	saud	PROPN
ejif-922	276	7	university	university	PROPN
ejif-922	276	8	,	,	PUNCT
ejif-922	276	9	saudi	saudi	PROPN
ejif-922	276	10	arabia	arabia	PROPN
ejif-922	276	11	prof	prof	PROPN
ejif-922	276	12	.	.	PUNCT
ejif-922	277	1	nidal	nidal	PROPN
ejif-922	277	2	a.	a.	PROPN
ejif-922	277	3	alsayyed	alsayye	VERB
ejif-922	277	4	,	,	PUNCT
ejif-922	277	5	inayah	inayah	VERB
ejif-922	277	6	islamic	islamic	PROPN
ejif-922	277	7	finance	finance	PROPN
ejif-922	277	8	research	research	PROPN
ejif-922	277	9	institute	institute	PROPN
ejif-922	277	10	,	,	PUNCT
ejif-922	277	11	usa	usa	PROPN
ejif-922	277	12	prof	prof	PROPN
ejif-922	277	13	.	.	PUNCT
ejif-922	278	1	roberta	roberta	PROPN
ejif-922	278	2	aluffi	aluffi	PROPN
ejif-922	278	3	,	,	PUNCT
ejif-922	278	4	university	university	PROPN
ejif-922	278	5	of	of	ADP
ejif-922	278	6	turin	turin	PROPN
ejif-922	278	7	italy	italy	PROPN
ejif-922	278	8	prof	prof	PROPN
ejif-922	278	9	.	.	PUNCT
ejif-922	279	1	ghassen	ghassen	PROPN
ejif-922	279	2	bouslama	bouslama	PROPN
ejif-922	279	3	,	,	PUNCT
ejif-922	279	4	neoma	neoma	PROPN
ejif-922	279	5	business	business	PROPN
ejif-922	279	6	school	school	PROPN
ejif-922	279	7	campus	campus	NOUN
ejif-922	279	8	de	de	X
ejif-922	279	9	reims	reims	X
ejif-922	279	10	,	,	PUNCT
ejif-922	279	11	france	france	PROPN
ejif-922	279	12	prof	prof	PROPN
ejif-922	279	13	.	.	PUNCT
ejif-922	280	1	nazam	nazam	PROPN
ejif-922	280	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-922	280	3	,	,	PUNCT
ejif-922	280	4	salford	salford	PROPN
ejif-922	280	5	university	university	PROPN
ejif-922	280	6	,	,	PUNCT
ejif-922	280	7	uk	uk	PROPN
ejif-922	280	8	prof	prof	PROPN
ejif-922	280	9	.	.	PUNCT
ejif-922	281	1	kabir	kabir	PROPN
ejif-922	281	2	hassan	hassan	PROPN
ejif-922	281	3	,	,	PUNCT
ejif-922	281	4	university	university	NOUN
ejif-922	281	5	of	of	ADP
ejif-922	281	6	new	new	PROPN
ejif-922	281	7	orleans	orleans	PROPN
ejif-922	281	8	,	,	PUNCT
ejif-922	281	9	usa	usa	PROPN
ejif-922	281	10	prof	prof	PROPN
ejif-922	281	11	.	.	PUNCT
ejif-922	282	1	khaled	khaled	PROPN
ejif-922	282	2	hussainey	hussainey	PROPN
ejif-922	282	3	,	,	PUNCT
ejif-922	282	4	university	university	NOUN
ejif-922	282	5	of	of	ADP
ejif-922	282	6	plymouth	plymouth	PROPN
ejif-922	282	7	,	,	PUNCT
ejif-922	282	8	uk	uk	PROPN
ejif-922	282	9	prof	prof	PROPN
ejif-922	282	10	.	.	PUNCT
ejif-922	283	1	rifki	rifki	PROPN
ejif-922	283	2	ismal	ismal	NOUN
ejif-922	283	3	,	,	PUNCT
ejif-922	283	4	university	university	NOUN
ejif-922	283	5	of	of	ADP
ejif-922	283	6	indonesia	indonesia	PROPN
ejif-922	283	7	prof	prof	PROPN
ejif-922	283	8	.	.	PUNCT
ejif-922	284	1	tariqullah	tariqullah	PROPN
ejif-922	284	2	khan	khan	PROPN
ejif-922	284	3	,	,	PUNCT
ejif-922	284	4	hamad	hamad	PROPN
ejif-922	284	5	bin	bin	PROPN
ejif-922	284	6	khalifa	khalifa	PROPN
ejif-922	284	7	university	university	PROPN
ejif-922	284	8	,	,	PUNCT
ejif-922	284	9	qatar	qatar	PROPN
ejif-922	284	10	prof	prof	PROPN
ejif-922	284	11	.	.	PROPN
ejif-922	285	1	ali	ali	PROPN
ejif-922	285	2	khorshid	khorshid	PROPN
ejif-922	285	3	,	,	PUNCT
ejif-922	285	4	icma	icma	NOUN
ejif-922	285	5	centre	centre	NOUN
ejif-922	285	6	reading	read	VERB
ejif-922	285	7	university	university	PROPN
ejif-922	285	8	uk	uk	PROPN
ejif-922	285	9	prof	prof	PROPN
ejif-922	285	10	.	.	PUNCT
ejif-922	286	1	amir	amir	PROPN
ejif-922	286	2	kia	kia	PROPN
ejif-922	286	3	,	,	PUNCT
ejif-922	286	4	utah	utah	PROPN
ejif-922	286	5	valley	valley	PROPN
ejif-922	286	6	university	university	PROPN
ejif-922	286	7	,	,	PUNCT
ejif-922	286	8	usa	usa	PROPN
ejif-922	286	9	prof	prof	PROPN
ejif-922	286	10	.	.	PUNCT
ejif-922	287	1	laurent	laurent	PROPN
ejif-922	287	2	marliere	marliere	ADV
ejif-922	287	3	,	,	PUNCT
ejif-922	287	4	université	université	PROPN
ejif-922	287	5	paris	paris	PROPN
ejif-922	287	6	-	-	PUNCT
ejif-922	287	7	dauphine	dauphine	PROPN
ejif-922	287	8	france	france	PROPN
ejif-922	287	9	prof	prof	PROPN
ejif-922	287	10	.	.	PUNCT
ejif-922	288	1	federica	federica	PROPN
ejif-922	288	2	miglietta	miglietta	PROPN
ejif-922	288	3	,	,	PUNCT
ejif-922	288	4	university	university	NOUN
ejif-922	288	5	of	of	ADP
ejif-922	288	6	bari	bari	PROPN
ejif-922	288	7	italy	italy	PROPN
ejif-922	288	8	prof	prof	PROPN
ejif-922	288	9	.	.	PUNCT
ejif-922	289	1	hakim	hakim	PROPN
ejif-922	289	2	ben	ben	PROPN
ejif-922	289	3	othman	othman	PROPN
ejif-922	289	4	,	,	PUNCT
ejif-922	289	5	university	university	PROPN
ejif-922	289	6	of	of	ADP
ejif-922	289	7	tunis	tunis	PROPN
ejif-922	289	8	tunisia	tunisia	PROPN
ejif-922	289	9	prof	prof	PROPN
ejif-922	289	10	.	.	PUNCT
ejif-922	290	1	mohamed	mohamed	PROPN
ejif-922	290	2	ramady	ramady	PROPN
ejif-922	290	3	,	,	PUNCT
ejif-922	290	4	king	king	PROPN
ejif-922	290	5	fahd	fahd	PROPN
ejif-922	290	6	university	university	PROPN
ejif-922	290	7	of	of	ADP
ejif-922	290	8	petroleum	petroleum	NOUN
ejif-922	290	9	and	and	CCONJ
ejif-922	290	10	minerals	mineral	NOUN
ejif-922	290	11	,	,	PUNCT
ejif-922	291	1	saudi	saudi	PROPN
ejif-922	291	2	arabia	arabia	PROPN
ejif-922	291	3	prof	prof	PROPN
ejif-922	291	4	.	.	PROPN
ejif-922	291	5	mamunur	mamunur	PROPN
ejif-922	291	6	rashid	rashid	PROPN
ejif-922	291	7	,	,	PUNCT
ejif-922	291	8	nottingham	nottingham	PROPN
ejif-922	291	9	university	university	PROPN
ejif-922	291	10	,	,	PUNCT
ejif-922	291	11	malaysia	malaysia	PROPN
ejif-922	291	12	prof	prof	PROPN
ejif-922	291	13	.	.	PUNCT
ejif-922	292	1	younes	younes	PROPN
ejif-922	292	2	soualhi	soualhi	PROPN
ejif-922	292	3	,	,	PUNCT
ejif-922	292	4	international	international	PROPN
ejif-922	292	5	islamic	islamic	PROPN
ejif-922	292	6	university	university	PROPN
ejif-922	292	7	malaysia	malaysia	PROPN
ejif-922	292	8	prof	prof	PROPN
ejif-922	292	9	.	.	PUNCT
ejif-922	293	1	laurent	laurent	PROPN
ejif-922	293	2	weill	weill	PROPN
ejif-922	293	3	,	,	PUNCT
ejif-922	293	4	university	university	NOUN
ejif-922	293	5	of	of	ADP
ejif-922	293	6	strasbourg	strasbourg	PROPN
ejif-922	293	7	,	,	PUNCT
ejif-922	293	8	france	france	PROPN