id	sid	tid	token	lemma	pos
ejif-9414	1	1	format	format	NOUN
ejif-9414	1	2	trapianto	trapianto	PROPN
ejif-9414	1	3	di	di	NOUN
ejif-9414	1	4	9414	9414	NUM
ejif-9414	1	5	-	-	PUNCT
ejif-9414	1	6	article	article	NOUN
ejif-9414	1	7	text	text	NOUN
ejif-9414	1	8	european	european	PROPN
ejif-9414	1	9	journal	journal	PROPN
ejif-9414	1	10	of	of	ADP
ejif-9414	1	11	islamic	islamic	PROPN
ejif-9414	1	12	finance	finance	PROPN
ejif-9414	1	13	issn	issn	PROPN
ejif-9414	1	14	:	:	PUNCT
ejif-9414	1	15	2421	2421	NUM
ejif-9414	1	16	-	-	SYM
ejif-9414	1	17	2172	2172	NUM
ejif-9414	1	18	doi	doi	NOUN
ejif-9414	1	19	:	:	PUNCT
ejif-9414	1	20	10.13135/2421	10.13135/2421	NUM
ejif-9414	1	21	-	-	SYM
ejif-9414	1	22	2172/9414	2172/9414	NUM
ejif-9414	1	23	published	publish	VERB
ejif-9414	1	24	by	by	ADP
ejif-9414	1	25	university	university	PROPN
ejif-9414	1	26	of	of	ADP
ejif-9414	1	27	turin	turin	PROPN
ejif-9414	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	2	2	ejif	ejif	PROPN
ejif-9414	2	3	content	content	NOUN
ejif-9414	2	4	is	be	AUX
ejif-9414	2	5	licensed	license	VERB
ejif-9414	2	6	under	under	ADP
ejif-9414	2	7	a	a	DET
ejif-9414	2	8	creative	creative	ADJ
ejif-9414	2	9	commons	common	NOUN
ejif-9414	2	10	attribution	attribution	NOUN
ejif-9414	2	11	4.0	4.0	NUM
ejif-9414	2	12	international	international	ADJ
ejif-9414	2	13	license	license	NOUN
ejif-9414	2	14	17	17	NUM
ejif-9414	2	15	islamic	islamic	ADJ
ejif-9414	2	16	microfinance	microfinance	NOUN
ejif-9414	2	17	as	as	ADP
ejif-9414	2	18	a	a	DET
ejif-9414	2	19	panacea	panacea	NOUN
ejif-9414	2	20	for	for	ADP
ejif-9414	2	21	poverty	poverty	NOUN
ejif-9414	2	22	alleviation	alleviation	PROPN
ejif-9414	2	23	abdulrazaq	abdulrazaq	PROPN
ejif-9414	2	24	taiye	taiye	PRON
ejif-9414	2	25	jimoh1	jimoh1	PROPN
ejif-9414	2	26	*	*	PROPN
ejif-9414	2	27	1	1	NUM
ejif-9414	2	28	university	university	NOUN
ejif-9414	2	29	of	of	ADP
ejif-9414	2	30	ilorin	ilorin	NOUN
ejif-9414	2	31	,	,	PUNCT
ejif-9414	2	32	department	department	NOUN
ejif-9414	2	33	of	of	ADP
ejif-9414	2	34	finance	finance	NOUN
ejif-9414	2	35	/	/	SYM
ejif-9414	2	36	faculty	faculty	NOUN
ejif-9414	2	37	of	of	ADP
ejif-9414	2	38	management	management	NOUN
ejif-9414	2	39	sciences	sciences	PROPN
ejif-9414	2	40	,	,	PUNCT
ejif-9414	2	41	university	university	NOUN
ejif-9414	2	42	of	of	ADP
ejif-9414	2	43	ilorin	ilorin	PROPN
ejif-9414	2	44	,	,	PUNCT
ejif-9414	2	45	ilorin	ilorin	NOUN
ejif-9414	2	46	,	,	PUNCT
ejif-9414	2	47	nigeria	nigeria	PROPN
ejif-9414	2	48	orcid	orcid	NOUN
ejif-9414	2	49	0000	0000	NUM
ejif-9414	2	50	-	-	PUNCT
ejif-9414	2	51	0001	0001	NUM
ejif-9414	2	52	-	-	PUNCT
ejif-9414	2	53	9368	9368	NUM
ejif-9414	2	54	-	-	PUNCT
ejif-9414	2	55	6686	6686	NUM
ejif-9414	2	56	kayode	kayode	PROPN
ejif-9414	2	57	david	david	PROPN
ejif-9414	2	58	kolawole2	kolawole2	PROPN
ejif-9414	2	59	*	*	PROPN
ejif-9414	2	60	2	2	NUM
ejif-9414	2	61	university	university	NOUN
ejif-9414	2	62	of	of	ADP
ejif-9414	2	63	ilorin	ilorin	NOUN
ejif-9414	2	64	,	,	PUNCT
ejif-9414	2	65	department	department	NOUN
ejif-9414	2	66	of	of	ADP
ejif-9414	2	67	finance	finance	NOUN
ejif-9414	2	68	/	/	SYM
ejif-9414	2	69	faculty	faculty	NOUN
ejif-9414	2	70	of	of	ADP
ejif-9414	2	71	management	management	NOUN
ejif-9414	2	72	sciences	sciences	PROPN
ejif-9414	2	73	,	,	PUNCT
ejif-9414	2	74	university	university	NOUN
ejif-9414	2	75	of	of	ADP
ejif-9414	2	76	ilorin	ilorin	PROPN
ejif-9414	2	77	,	,	PUNCT
ejif-9414	2	78	ilorin	ilorin	NOUN
ejif-9414	2	79	,	,	PUNCT
ejif-9414	2	80	nigeria	nigeria	PROPN
ejif-9414	2	81	orcid	orcid	NOUN
ejif-9414	2	82	0000	0000	NUM
ejif-9414	2	83	-	-	PUNCT
ejif-9414	2	84	0002	0002	NUM
ejif-9414	2	85	-	-	PUNCT
ejif-9414	2	86	6704	6704	NUM
ejif-9414	2	87	-	-	PUNCT
ejif-9414	2	88	2673	2673	NUM
ejif-9414	2	89	dayo	dayo	NOUN
ejif-9414	2	90	bamigbade3	bamigbade3	PROPN
ejif-9414	2	91	*	*	PROPN
ejif-9414	2	92	3	3	NUM
ejif-9414	2	93	university	university	NOUN
ejif-9414	2	94	of	of	ADP
ejif-9414	2	95	ilorin	ilorin	NOUN
ejif-9414	2	96	,	,	PUNCT
ejif-9414	2	97	department	department	NOUN
ejif-9414	2	98	of	of	ADP
ejif-9414	2	99	accounting	accounting	NOUN
ejif-9414	2	100	/	/	SYM
ejif-9414	2	101	faculty	faculty	NOUN
ejif-9414	2	102	of	of	ADP
ejif-9414	2	103	management	management	NOUN
ejif-9414	2	104	sciences	sciences	PROPN
ejif-9414	2	105	,	,	PUNCT
ejif-9414	2	106	university	university	NOUN
ejif-9414	2	107	of	of	ADP
ejif-9414	2	108	ilorin	ilorin	PROPN
ejif-9414	2	109	,	,	PUNCT
ejif-9414	2	110	ilorin	ilorin	NOUN
ejif-9414	2	111	,	,	PUNCT
ejif-9414	2	112	nigeria	nigeria	PROPN
ejif-9414	2	113	orcid	orcid	NOUN
ejif-9414	2	114	0009	0009	NUM
ejif-9414	2	115	-	-	PUNCT
ejif-9414	2	116	0007	0007	NUM
ejif-9414	2	117	-	-	PUNCT
ejif-9414	2	118	6838	6838	NUM
ejif-9414	2	119	-	-	PUNCT
ejif-9414	2	120	6383	6383	NUM
ejif-9414	2	121	received	receive	VERB
ejif-9414	2	122	:	:	PUNCT
ejif-9414	2	123	22/01/2024	22/01/2024	NUM
ejif-9414	2	124	accepted	accept	VERB
ejif-9414	2	125	for	for	ADP
ejif-9414	2	126	publication	publication	NOUN
ejif-9414	2	127	:	:	PUNCT
ejif-9414	2	128	16/04/2024	16/04/2024	NUM
ejif-9414	2	129	published	publish	VERB
ejif-9414	2	130	:	:	PUNCT
ejif-9414	2	131	26/04/2024	26/04/2024	NUM
ejif-9414	2	132	abstract	abstract	ADJ
ejif-9414	2	133	islamic	islamic	ADJ
ejif-9414	2	134	microfinance	microfinance	NOUN
ejif-9414	2	135	is	be	AUX
ejif-9414	2	136	a	a	DET
ejif-9414	2	137	tool	tool	NOUN
ejif-9414	2	138	for	for	ADP
ejif-9414	2	139	promoting	promote	VERB
ejif-9414	2	140	financial	financial	ADJ
ejif-9414	2	141	inclusion	inclusion	NOUN
ejif-9414	2	142	and	and	CCONJ
ejif-9414	2	143	reducing	reduce	VERB
ejif-9414	2	144	poverty	poverty	NOUN
ejif-9414	2	145	levels	level	NOUN
ejif-9414	2	146	.	.	PUNCT
ejif-9414	3	1	countries	country	NOUN
ejif-9414	3	2	such	such	ADJ
ejif-9414	3	3	as	as	ADP
ejif-9414	3	4	nigeria	nigeria	PROPN
ejif-9414	3	5	has	have	VERB
ejif-9414	3	6	scanty	scanty	ADJ
ejif-9414	3	7	empirical	empirical	ADJ
ejif-9414	3	8	investigations	investigation	NOUN
ejif-9414	3	9	in	in	ADP
ejif-9414	3	10	this	this	DET
ejif-9414	3	11	regard	regard	NOUN
ejif-9414	3	12	.	.	PUNCT
ejif-9414	4	1	this	this	PRON
ejif-9414	4	2	calls	call	VERB
ejif-9414	4	3	for	for	ADP
ejif-9414	4	4	a	a	DET
ejif-9414	4	5	more	more	ADV
ejif-9414	4	6	robust	robust	ADJ
ejif-9414	4	7	analysis	analysis	NOUN
ejif-9414	4	8	.	.	PUNCT
ejif-9414	5	1	this	this	DET
ejif-9414	5	2	study	study	NOUN
ejif-9414	5	3	,	,	PUNCT
ejif-9414	5	4	therefore	therefore	ADV
ejif-9414	5	5	,	,	PUNCT
ejif-9414	5	6	investigated	investigate	VERB
ejif-9414	5	7	the	the	DET
ejif-9414	5	8	influence	influence	NOUN
ejif-9414	5	9	of	of	ADP
ejif-9414	5	10	the	the	DET
ejif-9414	5	11	islamic	islamic	ADJ
ejif-9414	5	12	microfinance	microfinance	NOUN
ejif-9414	5	13	system	system	NOUN
ejif-9414	5	14	on	on	ADP
ejif-9414	5	15	poverty	poverty	NOUN
ejif-9414	5	16	alleviation	alleviation	NOUN
ejif-9414	5	17	in	in	ADP
ejif-9414	5	18	kwara	kwara	PROPN
ejif-9414	5	19	state	state	PROPN
ejif-9414	5	20	,	,	PUNCT
ejif-9414	5	21	nigeria	nigeria	PROPN
ejif-9414	5	22	.	.	PUNCT
ejif-9414	6	1	nonprobability	nonprobability	NOUN
ejif-9414	6	2	,	,	PUNCT
ejif-9414	6	3	purposive	purposive	ADJ
ejif-9414	6	4	sampling	sampling	NOUN
ejif-9414	6	5	was	be	AUX
ejif-9414	6	6	adopted	adopt	VERB
ejif-9414	6	7	to	to	PART
ejif-9414	6	8	select	select	VERB
ejif-9414	6	9	traders	trader	NOUN
ejif-9414	6	10	and	and	CCONJ
ejif-9414	6	11	small	small	ADJ
ejif-9414	6	12	business	business	NOUN
ejif-9414	6	13	owners	owner	NOUN
ejif-9414	6	14	from	from	ADP
ejif-9414	6	15	the	the	DET
ejif-9414	6	16	weekly	weekly	ADJ
ejif-9414	6	17	-	-	PUNCT
ejif-9414	6	18	market	market	NOUN
ejif-9414	6	19	setting	setting	NOUN
ejif-9414	6	20	of	of	ADP
ejif-9414	6	21	selected	select	VERB
ejif-9414	6	22	towns	town	NOUN
ejif-9414	6	23	/	/	SYM
ejif-9414	6	24	villages	village	NOUN
ejif-9414	6	25	in	in	ADP
ejif-9414	6	26	the	the	DET
ejif-9414	6	27	three	three	NUM
ejif-9414	6	28	senatorial	senatorial	ADJ
ejif-9414	6	29	districts	district	NOUN
ejif-9414	6	30	of	of	ADP
ejif-9414	6	31	kwara	kwara	PROPN
ejif-9414	6	32	state	state	PROPN
ejif-9414	6	33	.	.	PUNCT
ejif-9414	7	1	five	five	NUM
ejif-9414	7	2	(	(	PUNCT
ejif-9414	7	3	5	5	NUM
ejif-9414	7	4	)	)	PUNCT
ejif-9414	7	5	markets	market	NOUN
ejif-9414	7	6	were	be	AUX
ejif-9414	7	7	selected	select	VERB
ejif-9414	7	8	from	from	ADP
ejif-9414	7	9	each	each	PRON
ejif-9414	7	10	of	of	ADP
ejif-9414	7	11	the	the	DET
ejif-9414	7	12	three	three	NUM
ejif-9414	7	13	(	(	PUNCT
ejif-9414	7	14	3	3	NUM
ejif-9414	7	15	)	)	PUNCT
ejif-9414	7	16	senatorial	senatorial	ADJ
ejif-9414	7	17	districts	district	NOUN
ejif-9414	7	18	.	.	PUNCT
ejif-9414	8	1	data	datum	NOUN
ejif-9414	8	2	were	be	AUX
ejif-9414	8	3	collected	collect	VERB
ejif-9414	8	4	with	with	ADP
ejif-9414	8	5	a	a	DET
ejif-9414	8	6	structured	structured	ADJ
ejif-9414	8	7	questionnaire	questionnaire	NOUN
ejif-9414	8	8	and	and	CCONJ
ejif-9414	8	9	analyzed	analyze	VERB
ejif-9414	8	10	with	with	ADP
ejif-9414	8	11	descriptive	descriptive	ADJ
ejif-9414	8	12	and	and	CCONJ
ejif-9414	8	13	inferential	inferential	ADJ
ejif-9414	8	14	statistics	statistic	NOUN
ejif-9414	8	15	.	.	PUNCT
ejif-9414	9	1	ordered	order	VERB
ejif-9414	9	2	logistic	logistic	ADJ
ejif-9414	9	3	regression	regression	NOUN
ejif-9414	9	4	was	be	AUX
ejif-9414	9	5	conducted	conduct	VERB
ejif-9414	9	6	.	.	PUNCT
ejif-9414	10	1	it	it	PRON
ejif-9414	10	2	was	be	AUX
ejif-9414	10	3	found	find	VERB
ejif-9414	10	4	that	that	SCONJ
ejif-9414	10	5	qard	qard	PROPN
ejif-9414	10	6	al	al	PROPN
ejif-9414	10	7	hasan	hasan	PROPN
ejif-9414	10	8	(	(	PUNCT
ejif-9414	10	9	0.91	0.91	NUM
ejif-9414	10	10	,	,	PUNCT
ejif-9414	10	11	p<0.05	p<0.05	NOUN
ejif-9414	10	12	)	)	PUNCT
ejif-9414	10	13	murbah	murbah	NOUN
ejif-9414	10	14	(	(	PUNCT
ejif-9414	10	15	0.72	0.72	NUM
ejif-9414	10	16	,	,	PUNCT
ejif-9414	10	17	p<0.01	p<0.01	PROPN
ejif-9414	10	18	)	)	PUNCT
ejif-9414	10	19	,	,	PUNCT
ejif-9414	10	20	mudharaba	mudharaba	NOUN
ejif-9414	10	21	(	(	PUNCT
ejif-9414	10	22	0.51	0.51	NUM
ejif-9414	10	23	,	,	PUNCT
ejif-9414	10	24	p<0.1	p<0.1	NUM
ejif-9414	10	25	)	)	PUNCT
ejif-9414	10	26	musharaka	musharaka	NOUN
ejif-9414	10	27	(	(	PUNCT
ejif-9414	10	28	0.17	0.17	NUM
ejif-9414	10	29	,	,	PUNCT
ejif-9414	10	30	p<0.05	p<0.05	NOUN
ejif-9414	10	31	)	)	PUNCT
ejif-9414	10	32	had	have	VERB
ejif-9414	10	33	a	a	DET
ejif-9414	10	34	positive	positive	ADJ
ejif-9414	10	35	,	,	PUNCT
ejif-9414	10	36	significant	significant	ADJ
ejif-9414	10	37	effect	effect	NOUN
ejif-9414	10	38	on	on	ADP
ejif-9414	10	39	income	income	NOUN
ejif-9414	10	40	level	level	NOUN
ejif-9414	10	41	.	.	PUNCT
ejif-9414	11	1	it	it	PRON
ejif-9414	11	2	was	be	AUX
ejif-9414	11	3	also	also	ADV
ejif-9414	11	4	found	find	VERB
ejif-9414	11	5	that	that	SCONJ
ejif-9414	11	6	qard	qard	PROPN
ejif-9414	11	7	al	al	PROPN
ejif-9414	11	8	hasan	hasan	PROPN
ejif-9414	11	9	(	(	PUNCT
ejif-9414	11	10	0.38	0.38	NUM
ejif-9414	11	11	,	,	PUNCT
ejif-9414	11	12	p<0.05	p<0.05	NOUN
ejif-9414	11	13	)	)	PUNCT
ejif-9414	11	14	murbaha	murbaha	NOUN
ejif-9414	11	15	(	(	PUNCT
ejif-9414	11	16	0.63	0.63	NUM
ejif-9414	11	17	,	,	PUNCT
ejif-9414	11	18	p<0.01	p<0.01	PROPN
ejif-9414	11	19	)	)	PUNCT
ejif-9414	11	20	,	,	PUNCT
ejif-9414	11	21	mudharaba	mudharaba	NOUN
ejif-9414	11	22	(	(	PUNCT
ejif-9414	11	23	0.15	0.15	NUM
ejif-9414	11	24	,	,	PUNCT
ejif-9414	11	25	p<0.05	p<0.05	NOUN
ejif-9414	11	26	)	)	PUNCT
ejif-9414	11	27	musharaka	musharaka	NOUN
ejif-9414	11	28	(	(	PUNCT
ejif-9414	11	29	0.59	0.59	NUM
ejif-9414	11	30	,	,	PUNCT
ejif-9414	11	31	p<0.01	p<0.01	PROPN
ejif-9414	11	32	)	)	PUNCT
ejif-9414	11	33	,	,	PUNCT
ejif-9414	11	34	zakat	zakat	X
ejif-9414	11	35	(	(	PUNCT
ejif-9414	11	36	0.45	0.45	NUM
ejif-9414	11	37	,	,	PUNCT
ejif-9414	11	38	p<0.01	p<0.01	PROPN
ejif-9414	11	39	)	)	PUNCT
ejif-9414	11	40	and	and	CCONJ
ejif-9414	11	41	sadaqa	sadaqa	PROPN
ejif-9414	11	42	(	(	PUNCT
ejif-9414	11	43	1.35	1.35	NUM
ejif-9414	11	44	,	,	PUNCT
ejif-9414	11	45	p<0.01	p<0.01	PROPN
ejif-9414	11	46	)	)	PUNCT
ejif-9414	11	47	had	have	VERB
ejif-9414	11	48	a	a	DET
ejif-9414	11	49	positive	positive	ADJ
ejif-9414	11	50	,	,	PUNCT
ejif-9414	11	51	significant	significant	ADJ
ejif-9414	11	52	effect	effect	NOUN
ejif-9414	11	53	on	on	ADP
ejif-9414	11	54	the	the	DET
ejif-9414	11	55	productivity	productivity	NOUN
ejif-9414	11	56	level	level	NOUN
ejif-9414	11	57	.	.	PUNCT
ejif-9414	12	1	the	the	DET
ejif-9414	12	2	study	study	NOUN
ejif-9414	12	3	concluded	conclude	VERB
ejif-9414	12	4	that	that	SCONJ
ejif-9414	12	5	micro	micro	NOUN
ejif-9414	12	6	-	-	NOUN
ejif-9414	12	7	credit	credit	ADJ
ejif-9414	12	8	,	,	PUNCT
ejif-9414	12	9	micro	micro	NOUN
ejif-9414	12	10	-	-	NOUN
ejif-9414	12	11	equity	equity	NOUN
ejif-9414	12	12	and	and	CCONJ
ejif-9414	12	13	charity	charity	NOUN
ejif-9414	12	14	(	(	PUNCT
ejif-9414	12	15	social	social	ADJ
ejif-9414	12	16	finance	finance	NOUN
ejif-9414	12	17	)	)	PUNCT
ejif-9414	12	18	products	product	NOUN
ejif-9414	12	19	significantly	significantly	ADV
ejif-9414	12	20	influenced	influence	VERB
ejif-9414	12	21	poverty	poverty	NOUN
ejif-9414	12	22	alleviation	alleviation	NOUN
ejif-9414	12	23	.	.	PUNCT
ejif-9414	13	1	an	an	DET
ejif-9414	13	2	adequate	adequate	ADJ
ejif-9414	13	3	supply	supply	NOUN
ejif-9414	13	4	of	of	ADP
ejif-9414	13	5	shariah	shariah	PROPN
ejif-9414	13	6	-	-	PUNCT
ejif-9414	13	7	compliant	compliant	NOUN
ejif-9414	13	8	micro	micro	NOUN
ejif-9414	13	9	-	-	NOUN
ejif-9414	13	10	credit	credit	ADJ
ejif-9414	13	11	,	,	PUNCT
ejif-9414	13	12	micro	micro	NOUN
ejif-9414	13	13	-	-	NOUN
ejif-9414	13	14	equity	equity	NOUN
ejif-9414	13	15	and	and	CCONJ
ejif-9414	13	16	charity	charity	NOUN
ejif-9414	13	17	financial	financial	ADJ
ejif-9414	13	18	resources	resource	NOUN
ejif-9414	13	19	was	be	AUX
ejif-9414	13	20	recommended	recommend	VERB
ejif-9414	13	21	to	to	PART
ejif-9414	13	22	boost	boost	VERB
ejif-9414	13	23	the	the	DET
ejif-9414	13	24	productivity	productivity	NOUN
ejif-9414	13	25	and	and	CCONJ
ejif-9414	13	26	income	income	NOUN
ejif-9414	13	27	levels	level	NOUN
ejif-9414	13	28	of	of	ADP
ejif-9414	13	29	low	low	ADJ
ejif-9414	13	30	-	-	PUNCT
ejif-9414	13	31	income	income	NOUN
ejif-9414	13	32	earners	earner	NOUN
ejif-9414	13	33	and	and	CCONJ
ejif-9414	13	34	small	small	ADJ
ejif-9414	13	35	business	business	NOUN
ejif-9414	13	36	owners	owner	NOUN
ejif-9414	13	37	in	in	ADP
ejif-9414	13	38	the	the	DET
ejif-9414	13	39	state	state	NOUN
ejif-9414	13	40	.	.	PUNCT
ejif-9414	14	1	also	also	ADV
ejif-9414	14	2	,	,	PUNCT
ejif-9414	14	3	the	the	DET
ejif-9414	14	4	central	central	ADJ
ejif-9414	14	5	bank	bank	PROPN
ejif-9414	14	6	of	of	ADP
ejif-9414	14	7	nigeria	nigeria	PROPN
ejif-9414	14	8	(	(	PUNCT
ejif-9414	14	9	cbn	cbn	PROPN
ejif-9414	14	10	)	)	PUNCT
ejif-9414	14	11	is	be	AUX
ejif-9414	14	12	encouraged	encourage	VERB
ejif-9414	14	13	to	to	PART
ejif-9414	14	14	provide	provide	VERB
ejif-9414	14	15	enabling	enable	VERB
ejif-9414	14	16	environment	environment	NOUN
ejif-9414	14	17	for	for	ADP
ejif-9414	14	18	formal	formal	ADJ
ejif-9414	14	19	non	non	ADJ
ejif-9414	14	20	-	-	ADJ
ejif-9414	14	21	interest	interest	ADJ
ejif-9414	14	22	microfinance	microfinance	NOUN
ejif-9414	14	23	to	to	PART
ejif-9414	14	24	promote	promote	VERB
ejif-9414	14	25	financial	financial	ADJ
ejif-9414	14	26	inclusion	inclusion	NOUN
ejif-9414	14	27	and	and	CCONJ
ejif-9414	14	28	reduce	reduce	VERB
ejif-9414	14	29	poverty	poverty	NOUN
ejif-9414	14	30	in	in	ADP
ejif-9414	14	31	the	the	DET
ejif-9414	14	32	country	country	NOUN
ejif-9414	14	33	.	.	PUNCT
ejif-9414	15	1	keywords	keyword	NOUN
ejif-9414	15	2	:	:	PUNCT
ejif-9414	15	3	islamic	islamic	ADJ
ejif-9414	15	4	microfinance	microfinance	NOUN
ejif-9414	15	5	,	,	PUNCT
ejif-9414	15	6	microcredit	microcredit	NOUN
ejif-9414	15	7	,	,	PUNCT
ejif-9414	15	8	micro	micro	NOUN
ejif-9414	15	9	-	-	NOUN
ejif-9414	15	10	equity	equity	NOUN
ejif-9414	15	11	,	,	PUNCT
ejif-9414	15	12	nigeria	nigeria	PROPN
ejif-9414	15	13	,	,	PUNCT
ejif-9414	15	14	social	social	ADJ
ejif-9414	15	15	finance	finance	NOUN
ejif-9414	15	16	,	,	PUNCT
ejif-9414	15	17	poverty	poverty	NOUN
ejif-9414	15	18	alleviation	alleviation	NOUN
ejif-9414	15	19	.	.	PUNCT
ejif-9414	16	1	european	european	PROPN
ejif-9414	16	2	journal	journal	PROPN
ejif-9414	16	3	of	of	ADP
ejif-9414	16	4	islamic	islamic	PROPN
ejif-9414	16	5	finance	finance	PROPN
ejif-9414	16	6	issn	issn	PROPN
ejif-9414	16	7	:	:	PUNCT
ejif-9414	16	8	2421	2421	NUM
ejif-9414	16	9	-	-	SYM
ejif-9414	16	10	2172	2172	NUM
ejif-9414	16	11	doi	doi	NOUN
ejif-9414	16	12	:	:	PUNCT
ejif-9414	16	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	16	14	-	-	SYM
ejif-9414	16	15	2172/9414	2172/9414	NUM
ejif-9414	16	16	published	publish	VERB
ejif-9414	16	17	by	by	ADP
ejif-9414	16	18	university	university	PROPN
ejif-9414	16	19	of	of	ADP
ejif-9414	16	20	turin	turin	PROPN
ejif-9414	17	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	17	2	ejif	ejif	PROPN
ejif-9414	17	3	content	content	NOUN
ejif-9414	17	4	is	be	AUX
ejif-9414	17	5	licensed	license	VERB
ejif-9414	17	6	under	under	ADP
ejif-9414	17	7	a	a	DET
ejif-9414	17	8	creative	creative	ADJ
ejif-9414	17	9	commons	common	NOUN
ejif-9414	17	10	attribution	attribution	NOUN
ejif-9414	17	11	4.0	4.0	NUM
ejif-9414	17	12	international	international	ADJ
ejif-9414	17	13	license	license	NOUN
ejif-9414	17	14	18	18	NUM
ejif-9414	17	15	1	1	NUM
ejif-9414	17	16	.	.	PUNCT
ejif-9414	18	1	introduction	introduction	NOUN
ejif-9414	18	2	the	the	DET
ejif-9414	18	3	level	level	NOUN
ejif-9414	18	4	of	of	ADP
ejif-9414	18	5	poverty	poverty	NOUN
ejif-9414	18	6	in	in	ADP
ejif-9414	18	7	less	less	ADV
ejif-9414	18	8	developed	develop	VERB
ejif-9414	18	9	countries	country	NOUN
ejif-9414	18	10	like	like	ADP
ejif-9414	18	11	nigeria	nigeria	PROPN
ejif-9414	18	12	is	be	AUX
ejif-9414	18	13	increasing	increase	VERB
ejif-9414	18	14	at	at	ADP
ejif-9414	18	15	an	an	DET
ejif-9414	18	16	alarming	alarming	ADJ
ejif-9414	18	17	rate	rate	NOUN
ejif-9414	18	18	in	in	ADP
ejif-9414	18	19	recent	recent	ADJ
ejif-9414	18	20	times	time	NOUN
ejif-9414	18	21	.	.	PUNCT
ejif-9414	19	1	in	in	ADP
ejif-9414	19	2	2020	2020	NUM
ejif-9414	19	3	,	,	PUNCT
ejif-9414	19	4	the	the	DET
ejif-9414	19	5	national	national	PROPN
ejif-9414	19	6	bureau	bureau	PROPN
ejif-9414	19	7	of	of	ADP
ejif-9414	19	8	statistics	statistic	NOUN
ejif-9414	19	9	(	(	PUNCT
ejif-9414	19	10	nbs	nbs	PROPN
ejif-9414	19	11	)	)	PUNCT
ejif-9414	19	12	reported	report	VERB
ejif-9414	19	13	that	that	SCONJ
ejif-9414	19	14	about	about	ADV
ejif-9414	19	15	40.1	40.1	NUM
ejif-9414	19	16	%	%	NOUN
ejif-9414	19	17	of	of	ADP
ejif-9414	19	18	nigerians	nigerians	PROPN
ejif-9414	19	19	are	be	AUX
ejif-9414	19	20	poor	poor	ADJ
ejif-9414	19	21	(	(	PUNCT
ejif-9414	19	22	national	national	ADJ
ejif-9414	19	23	bureau	bureau	PROPN
ejif-9414	19	24	of	of	ADP
ejif-9414	19	25	statistics	statistics	PROPN
ejif-9414	19	26	,	,	PUNCT
ejif-9414	19	27	nbs	nbs	PROPN
ejif-9414	19	28	,	,	PUNCT
ejif-9414	19	29	2020	2020	NUM
ejif-9414	19	30	)	)	PUNCT
ejif-9414	19	31	.	.	PUNCT
ejif-9414	20	1	the	the	DET
ejif-9414	20	2	aftermath	aftermath	ADJ
ejif-9414	20	3	effect	effect	NOUN
ejif-9414	20	4	of	of	ADP
ejif-9414	20	5	the	the	DET
ejif-9414	20	6	covid-19	covid-19	PROPN
ejif-9414	20	7	pandemic	pandemic	ADJ
ejif-9414	20	8	and	and	CCONJ
ejif-9414	20	9	current	current	ADJ
ejif-9414	20	10	economic	economic	ADJ
ejif-9414	20	11	conditions	condition	NOUN
ejif-9414	20	12	across	across	ADP
ejif-9414	20	13	the	the	DET
ejif-9414	20	14	globe	globe	NOUN
ejif-9414	20	15	would	would	AUX
ejif-9414	20	16	have	have	AUX
ejif-9414	20	17	worsened	worsen	VERB
ejif-9414	20	18	and	and	CCONJ
ejif-9414	20	19	increased	increase	VERB
ejif-9414	20	20	the	the	DET
ejif-9414	20	21	rate	rate	NOUN
ejif-9414	20	22	from	from	ADP
ejif-9414	20	23	the	the	DET
ejif-9414	20	24	2020	2020	NUM
ejif-9414	20	25	report	report	NOUN
ejif-9414	20	26	.	.	PUNCT
ejif-9414	21	1	the	the	DET
ejif-9414	21	2	observed	observe	VERB
ejif-9414	21	3	poverty	poverty	NOUN
ejif-9414	21	4	level	level	NOUN
ejif-9414	21	5	in	in	ADP
ejif-9414	21	6	nigeria	nigeria	PROPN
ejif-9414	21	7	indicates	indicate	VERB
ejif-9414	21	8	that	that	SCONJ
ejif-9414	21	9	only	only	ADV
ejif-9414	21	10	some	some	DET
ejif-9414	21	11	financial	financial	ADJ
ejif-9414	21	12	inclusion	inclusion	NOUN
ejif-9414	21	13	strategies	strategy	NOUN
ejif-9414	21	14	,	,	PUNCT
ejif-9414	21	15	including	include	VERB
ejif-9414	21	16	microfinancing	microfinancing	NOUN
ejif-9414	21	17	,	,	PUNCT
ejif-9414	21	18	towards	towards	ADP
ejif-9414	21	19	alleviating	alleviate	VERB
ejif-9414	21	20	poverty	poverty	NOUN
ejif-9414	21	21	have	have	VERB
ejif-9414	21	22	yet	yet	ADV
ejif-9414	21	23	to	to	PART
ejif-9414	21	24	achieve	achieve	VERB
ejif-9414	21	25	the	the	DET
ejif-9414	21	26	desired	desire	VERB
ejif-9414	21	27	objectives	objective	NOUN
ejif-9414	21	28	.	.	PUNCT
ejif-9414	22	1	the	the	DET
ejif-9414	22	2	essence	essence	NOUN
ejif-9414	22	3	of	of	ADP
ejif-9414	22	4	microfinance	microfinance	NOUN
ejif-9414	22	5	is	be	AUX
ejif-9414	22	6	to	to	PART
ejif-9414	22	7	bridge	bridge	VERB
ejif-9414	22	8	the	the	DET
ejif-9414	22	9	vacuum	vacuum	NOUN
ejif-9414	22	10	created	create	VERB
ejif-9414	22	11	by	by	ADP
ejif-9414	22	12	accessing	access	VERB
ejif-9414	22	13	financial	financial	ADJ
ejif-9414	22	14	resources	resource	NOUN
ejif-9414	22	15	from	from	ADP
ejif-9414	22	16	conventional	conventional	ADJ
ejif-9414	22	17	banks	bank	NOUN
ejif-9414	22	18	by	by	ADP
ejif-9414	22	19	low	low	ADJ
ejif-9414	22	20	-	-	PUNCT
ejif-9414	22	21	income	income	NOUN
ejif-9414	22	22	earners	earner	NOUN
ejif-9414	22	23	and	and	CCONJ
ejif-9414	22	24	small	small	ADJ
ejif-9414	22	25	business	business	NOUN
ejif-9414	22	26	owners	owner	NOUN
ejif-9414	22	27	who	who	PRON
ejif-9414	22	28	could	could	AUX
ejif-9414	22	29	not	not	PART
ejif-9414	22	30	meet	meet	VERB
ejif-9414	22	31	the	the	DET
ejif-9414	22	32	loan	loan	NOUN
ejif-9414	22	33	requirements	requirement	NOUN
ejif-9414	22	34	.	.	PUNCT
ejif-9414	23	1	thus	thus	ADV
ejif-9414	23	2	,	,	PUNCT
ejif-9414	23	3	microfinance	microfinance	NOUN
ejif-9414	23	4	was	be	AUX
ejif-9414	23	5	introduced	introduce	VERB
ejif-9414	23	6	to	to	PART
ejif-9414	23	7	bring	bring	VERB
ejif-9414	23	8	low	low	ADJ
ejif-9414	23	9	-	-	PUNCT
ejif-9414	23	10	income	income	NOUN
ejif-9414	23	11	earners	earner	NOUN
ejif-9414	23	12	into	into	ADP
ejif-9414	23	13	the	the	DET
ejif-9414	23	14	financial	financial	ADJ
ejif-9414	23	15	system	system	NOUN
ejif-9414	23	16	and	and	CCONJ
ejif-9414	23	17	promote	promote	VERB
ejif-9414	23	18	financial	financial	ADJ
ejif-9414	23	19	inclusion	inclusion	NOUN
ejif-9414	23	20	.	.	PUNCT
ejif-9414	24	1	however	however	ADV
ejif-9414	24	2	,	,	PUNCT
ejif-9414	24	3	the	the	DET
ejif-9414	24	4	socio	socio	NOUN
ejif-9414	24	5	-	-	PUNCT
ejif-9414	24	6	economic	economic	ADJ
ejif-9414	24	7	objectives	objective	NOUN
ejif-9414	24	8	of	of	ADP
ejif-9414	24	9	microfinance	microfinance	NOUN
ejif-9414	24	10	could	could	AUX
ejif-9414	24	11	not	not	PART
ejif-9414	24	12	be	be	AUX
ejif-9414	24	13	said	say	VERB
ejif-9414	24	14	to	to	PART
ejif-9414	24	15	have	have	AUX
ejif-9414	24	16	been	be	AUX
ejif-9414	24	17	adequately	adequately	ADV
ejif-9414	24	18	realized	realize	VERB
ejif-9414	24	19	as	as	ADP
ejif-9414	24	20	sizeable	sizeable	ADJ
ejif-9414	24	21	number	number	NOUN
ejif-9414	24	22	of	of	ADP
ejif-9414	24	23	muslim	muslim	ADJ
ejif-9414	24	24	populations	population	NOUN
ejif-9414	24	25	in	in	ADP
ejif-9414	24	26	the	the	DET
ejif-9414	24	27	country	country	NOUN
ejif-9414	24	28	are	be	AUX
ejif-9414	24	29	still	still	ADV
ejif-9414	24	30	being	be	AUX
ejif-9414	24	31	indirectly	indirectly	ADV
ejif-9414	24	32	excluded	exclude	VERB
ejif-9414	24	33	.	.	PUNCT
ejif-9414	25	1	the	the	DET
ejif-9414	25	2	exclusion	exclusion	NOUN
ejif-9414	25	3	may	may	AUX
ejif-9414	25	4	be	be	AUX
ejif-9414	25	5	because	because	SCONJ
ejif-9414	25	6	certain	certain	ADJ
ejif-9414	25	7	low	low	ADJ
ejif-9414	25	8	-	-	PUNCT
ejif-9414	25	9	income	income	NOUN
ejif-9414	25	10	populations	population	NOUN
ejif-9414	25	11	may	may	AUX
ejif-9414	25	12	freely	freely	ADV
ejif-9414	25	13	choose	choose	VERB
ejif-9414	25	14	not	not	PART
ejif-9414	25	15	to	to	PART
ejif-9414	25	16	use	use	VERB
ejif-9414	25	17	microfinance	microfinance	NOUN
ejif-9414	25	18	even	even	ADV
ejif-9414	25	19	in	in	ADP
ejif-9414	25	20	the	the	DET
ejif-9414	25	21	presence	presence	NOUN
ejif-9414	25	22	of	of	ADP
ejif-9414	25	23	financial	financial	ADJ
ejif-9414	25	24	services	service	NOUN
ejif-9414	25	25	due	due	ADJ
ejif-9414	25	26	to	to	ADP
ejif-9414	25	27	religious	religious	ADJ
ejif-9414	25	28	beliefs	belief	NOUN
ejif-9414	25	29	(	(	PUNCT
ejif-9414	25	30	maulana	maulana	PROPN
ejif-9414	25	31	et	et	PROPN
ejif-9414	25	32	al	al	PROPN
ejif-9414	25	33	.	.	PROPN
ejif-9414	25	34	,	,	PUNCT
ejif-9414	25	35	2018	2018	NUM
ejif-9414	25	36	)	)	PUNCT
ejif-9414	25	37	.	.	PUNCT
ejif-9414	26	1	on	on	ADP
ejif-9414	26	2	the	the	DET
ejif-9414	26	3	other	other	ADJ
ejif-9414	26	4	hand	hand	NOUN
ejif-9414	26	5	,	,	PUNCT
ejif-9414	26	6	the	the	DET
ejif-9414	26	7	government	government	NOUN
ejif-9414	26	8	has	have	AUX
ejif-9414	26	9	been	be	AUX
ejif-9414	26	10	facing	face	VERB
ejif-9414	26	11	challenges	challenge	NOUN
ejif-9414	26	12	in	in	ADP
ejif-9414	26	13	implementing	implement	VERB
ejif-9414	26	14	its	its	PRON
ejif-9414	26	15	poverty	poverty	NOUN
ejif-9414	26	16	alleviation	alleviation	NOUN
ejif-9414	26	17	programmes	programme	NOUN
ejif-9414	26	18	.	.	PUNCT
ejif-9414	27	1	for	for	ADP
ejif-9414	27	2	instance	instance	NOUN
ejif-9414	27	3	,	,	PUNCT
ejif-9414	27	4	the	the	DET
ejif-9414	27	5	tradermoni	tradermoni	NOUN
ejif-9414	27	6	,	,	PUNCT
ejif-9414	27	7	a	a	DET
ejif-9414	27	8	government	government	NOUN
ejif-9414	27	9	enterprise	enterprise	NOUN
ejif-9414	27	10	and	and	CCONJ
ejif-9414	27	11	empowerment	empowerment	NOUN
ejif-9414	27	12	programme	programme	NOUN
ejif-9414	27	13	(	(	PUNCT
ejif-9414	27	14	geep	geep	NOUN
ejif-9414	27	15	)	)	PUNCT
ejif-9414	27	16	initiative	initiative	NOUN
ejif-9414	27	17	,	,	PUNCT
ejif-9414	27	18	was	be	AUX
ejif-9414	27	19	introduced	introduce	VERB
ejif-9414	27	20	to	to	PART
ejif-9414	27	21	provide	provide	VERB
ejif-9414	27	22	a	a	DET
ejif-9414	27	23	collateral	collateral	ADJ
ejif-9414	27	24	loan	loan	NOUN
ejif-9414	27	25	of	of	ADP
ejif-9414	27	26	n10,000	n10,000	PROPN
ejif-9414	27	27	,	,	PUNCT
ejif-9414	27	28	with	with	ADP
ejif-9414	27	29	interest	interest	NOUN
ejif-9414	27	30	,	,	PUNCT
ejif-9414	27	31	to	to	PART
ejif-9414	27	32	help	help	VERB
ejif-9414	27	33	small	small	ADJ
ejif-9414	27	34	traders	trader	NOUN
ejif-9414	27	35	boost	boost	VERB
ejif-9414	27	36	their	their	PRON
ejif-9414	27	37	trading	trading	NOUN
ejif-9414	27	38	activities	activity	NOUN
ejif-9414	27	39	.	.	PUNCT
ejif-9414	28	1	as	as	ADV
ejif-9414	28	2	good	good	ADJ
ejif-9414	28	3	as	as	SCONJ
ejif-9414	28	4	this	this	DET
ejif-9414	28	5	scheme	scheme	NOUN
ejif-9414	28	6	sounds	sound	VERB
ejif-9414	28	7	,	,	PUNCT
ejif-9414	28	8	some	some	PRON
ejif-9414	28	9	are	be	AUX
ejif-9414	28	10	automatically	automatically	ADV
ejif-9414	28	11	excluded	exclude	VERB
ejif-9414	28	12	due	due	ADP
ejif-9414	28	13	to	to	ADP
ejif-9414	28	14	poor	poor	ADJ
ejif-9414	28	15	design	design	NOUN
ejif-9414	28	16	,	,	PUNCT
ejif-9414	28	17	formulation	formulation	NOUN
ejif-9414	28	18	and	and	CCONJ
ejif-9414	28	19	implementation	implementation	NOUN
ejif-9414	28	20	,	,	PUNCT
ejif-9414	28	21	and	and	CCONJ
ejif-9414	28	22	the	the	DET
ejif-9414	28	23	charging	charging	NOUN
ejif-9414	28	24	of	of	ADP
ejif-9414	28	25	interest	interest	NOUN
ejif-9414	28	26	.	.	PUNCT
ejif-9414	29	1	shaikh	shaikh	PROPN
ejif-9414	29	2	(	(	PUNCT
ejif-9414	29	3	2017	2017	NUM
ejif-9414	29	4	)	)	PUNCT
ejif-9414	29	5	asserts	assert	VERB
ejif-9414	29	6	that	that	SCONJ
ejif-9414	29	7	poverty	poverty	NOUN
ejif-9414	29	8	is	be	AUX
ejif-9414	29	9	more	more	ADV
ejif-9414	29	10	effectively	effectively	ADV
ejif-9414	29	11	alleviated	alleviate	VERB
ejif-9414	29	12	through	through	ADP
ejif-9414	29	13	profit	profit	NOUN
ejif-9414	29	14	-	-	PUNCT
ejif-9414	29	15	sharing	sharing	NOUN
ejif-9414	29	16	-	-	PUNCT
ejif-9414	29	17	based	base	VERB
ejif-9414	29	18	(	(	PUNCT
ejif-9414	29	19	islamic	islamic	ADJ
ejif-9414	29	20	)	)	PUNCT
ejif-9414	29	21	microfinancing	microfinancing	NOUN
ejif-9414	29	22	than	than	ADP
ejif-9414	29	23	interest	interest	NOUN
ejif-9414	29	24	-	-	PUNCT
ejif-9414	29	25	based	base	VERB
ejif-9414	29	26	microfinance	microfinance	NOUN
ejif-9414	29	27	.	.	PUNCT
ejif-9414	30	1	thus	thus	ADV
ejif-9414	30	2	,	,	PUNCT
ejif-9414	30	3	to	to	PART
ejif-9414	30	4	ensure	ensure	VERB
ejif-9414	30	5	financial	financial	ADJ
ejif-9414	30	6	inclusion	inclusion	NOUN
ejif-9414	30	7	,	,	PUNCT
ejif-9414	30	8	islamic	islamic	ADJ
ejif-9414	30	9	microfinance	microfinance	NOUN
ejif-9414	30	10	based	base	VERB
ejif-9414	30	11	on	on	ADP
ejif-9414	30	12	interest	interest	NOUN
ejif-9414	30	13	-	-	PUNCT
ejif-9414	30	14	free	free	ADJ
ejif-9414	30	15	loans	loan	NOUN
ejif-9414	30	16	is	be	AUX
ejif-9414	30	17	advocated	advocate	VERB
ejif-9414	30	18	(	(	PUNCT
ejif-9414	30	19	ali	ali	PROPN
ejif-9414	30	20	,	,	PUNCT
ejif-9414	30	21	2017	2017	NUM
ejif-9414	30	22	)	)	PUNCT
ejif-9414	30	23	.	.	PUNCT
ejif-9414	31	1	islamic	islamic	ADJ
ejif-9414	31	2	microfinance	microfinance	NOUN
ejif-9414	31	3	will	will	AUX
ejif-9414	31	4	provide	provide	VERB
ejif-9414	31	5	adequate	adequate	ADJ
ejif-9414	31	6	financial	financial	ADJ
ejif-9414	31	7	inclusion	inclusion	NOUN
ejif-9414	31	8	for	for	ADP
ejif-9414	31	9	low	low	ADJ
ejif-9414	31	10	-	-	PUNCT
ejif-9414	31	11	income	income	NOUN
ejif-9414	31	12	earners	earner	NOUN
ejif-9414	31	13	and	and	CCONJ
ejif-9414	31	14	small	small	ADJ
ejif-9414	31	15	business	business	NOUN
ejif-9414	31	16	owners	owner	NOUN
ejif-9414	31	17	(	(	PUNCT
ejif-9414	31	18	ali	ali	PROPN
ejif-9414	31	19	,	,	PUNCT
ejif-9414	31	20	2017	2017	NUM
ejif-9414	31	21	;	;	PUNCT
ejif-9414	31	22	alaro	alaro	NOUN
ejif-9414	31	23	&	&	CCONJ
ejif-9414	31	24	alalubosa	alalubosa	PROPN
ejif-9414	31	25	,	,	PUNCT
ejif-9414	31	26	2019	2019	NUM
ejif-9414	31	27	)	)	PUNCT
ejif-9414	31	28	.	.	PUNCT
ejif-9414	32	1	increased	increase	VERB
ejif-9414	32	2	financial	financial	ADJ
ejif-9414	32	3	inclusion	inclusion	NOUN
ejif-9414	32	4	tends	tend	VERB
ejif-9414	32	5	to	to	PART
ejif-9414	32	6	ensure	ensure	VERB
ejif-9414	32	7	the	the	DET
ejif-9414	32	8	efficient	efficient	ADJ
ejif-9414	32	9	allocation	allocation	NOUN
ejif-9414	32	10	of	of	ADP
ejif-9414	32	11	resources	resource	NOUN
ejif-9414	32	12	,	,	PUNCT
ejif-9414	32	13	reduces	reduce	VERB
ejif-9414	32	14	inequalities	inequality	NOUN
ejif-9414	32	15	and	and	CCONJ
ejif-9414	32	16	provides	provide	VERB
ejif-9414	32	17	opportunities	opportunity	NOUN
ejif-9414	32	18	for	for	ADP
ejif-9414	32	19	the	the	DET
ejif-9414	32	20	poor	poor	ADJ
ejif-9414	32	21	(	(	PUNCT
ejif-9414	32	22	demirguc	demirguc	PROPN
ejif-9414	32	23	-	-	PUNCT
ejif-9414	32	24	kunt	kunt	PROPN
ejif-9414	32	25	,	,	PUNCT
ejif-9414	32	26	beck	beck	PROPN
ejif-9414	32	27	&	&	CCONJ
ejif-9414	32	28	honohan	honohan	PROPN
ejif-9414	32	29	,	,	PUNCT
ejif-9414	32	30	2008	2008	NUM
ejif-9414	32	31	)	)	PUNCT
ejif-9414	32	32	.	.	PUNCT
ejif-9414	33	1	there	there	PRON
ejif-9414	33	2	is	be	VERB
ejif-9414	33	3	also	also	ADV
ejif-9414	33	4	a	a	DET
ejif-9414	33	5	need	need	NOUN
ejif-9414	33	6	for	for	ADP
ejif-9414	33	7	the	the	DET
ejif-9414	33	8	government	government	NOUN
ejif-9414	33	9	to	to	PART
ejif-9414	33	10	efficiently	efficiently	ADV
ejif-9414	33	11	and	and	CCONJ
ejif-9414	33	12	leak	leak	NOUN
ejif-9414	33	13	-	-	PUNCT
ejif-9414	33	14	proofly	proofly	NOUN
ejif-9414	33	15	transfer	transfer	NOUN
ejif-9414	33	16	resources	resource	NOUN
ejif-9414	33	17	to	to	PART
ejif-9414	33	18	improve	improve	VERB
ejif-9414	33	19	the	the	DET
ejif-9414	33	20	socio	socio	NOUN
ejif-9414	33	21	-	-	PUNCT
ejif-9414	33	22	economic	economic	ADJ
ejif-9414	33	23	life	life	NOUN
ejif-9414	33	24	of	of	ADP
ejif-9414	33	25	citizens	citizen	NOUN
ejif-9414	33	26	.	.	PUNCT
ejif-9414	34	1	against	against	ADP
ejif-9414	34	2	this	this	DET
ejif-9414	34	3	background	background	NOUN
ejif-9414	34	4	,	,	PUNCT
ejif-9414	34	5	this	this	DET
ejif-9414	34	6	study	study	NOUN
ejif-9414	34	7	examined	examine	VERB
ejif-9414	34	8	the	the	DET
ejif-9414	34	9	influence	influence	NOUN
ejif-9414	34	10	of	of	ADP
ejif-9414	34	11	the	the	DET
ejif-9414	34	12	islamic	islamic	ADJ
ejif-9414	34	13	microfinance	microfinance	NOUN
ejif-9414	34	14	system	system	NOUN
ejif-9414	34	15	on	on	ADP
ejif-9414	34	16	financial	financial	ADJ
ejif-9414	34	17	inclusion	inclusion	NOUN
ejif-9414	34	18	and	and	CCONJ
ejif-9414	34	19	poverty	poverty	NOUN
ejif-9414	34	20	alleviation	alleviation	NOUN
ejif-9414	34	21	in	in	ADP
ejif-9414	34	22	kwara	kwara	PROPN
ejif-9414	34	23	state	state	PROPN
ejif-9414	34	24	,	,	PUNCT
ejif-9414	34	25	nigeria	nigeria	PROPN
ejif-9414	34	26	.	.	PUNCT
ejif-9414	35	1	the	the	DET
ejif-9414	35	2	current	current	ADJ
ejif-9414	35	3	microfinance	microfinance	NOUN
ejif-9414	35	4	arrangement	arrangement	NOUN
ejif-9414	35	5	could	could	AUX
ejif-9414	35	6	not	not	PART
ejif-9414	35	7	address	address	VERB
ejif-9414	35	8	the	the	DET
ejif-9414	35	9	socio	socio	NOUN
ejif-9414	35	10	-	-	PUNCT
ejif-9414	35	11	economic	economic	ADJ
ejif-9414	35	12	needs	need	NOUN
ejif-9414	35	13	of	of	ADP
ejif-9414	35	14	low	low	ADJ
ejif-9414	35	15	-	-	PUNCT
ejif-9414	35	16	income	income	NOUN
ejif-9414	35	17	earners	earner	NOUN
ejif-9414	35	18	because	because	SCONJ
ejif-9414	35	19	it	it	PRON
ejif-9414	35	20	is	be	AUX
ejif-9414	35	21	interest	interest	NOUN
ejif-9414	35	22	-	-	PUNCT
ejif-9414	35	23	based	base	VERB
ejif-9414	35	24	.	.	PUNCT
ejif-9414	36	1	to	to	PART
ejif-9414	36	2	resolve	resolve	VERB
ejif-9414	36	3	these	these	DET
ejif-9414	36	4	issues	issue	NOUN
ejif-9414	36	5	,	,	PUNCT
ejif-9414	36	6	microfinancing	microfinance	VERB
ejif-9414	36	7	must	must	AUX
ejif-9414	36	8	give	give	VERB
ejif-9414	36	9	access	access	NOUN
ejif-9414	36	10	to	to	ADP
ejif-9414	36	11	interest	interest	NOUN
ejif-9414	36	12	-	-	PUNCT
ejif-9414	36	13	free	free	ADJ
ejif-9414	36	14	financing	financing	NOUN
ejif-9414	36	15	.	.	PUNCT
ejif-9414	37	1	islamic	islamic	ADJ
ejif-9414	37	2	financial	financial	ADJ
ejif-9414	37	3	institutions	institution	NOUN
ejif-9414	37	4	follow	follow	VERB
ejif-9414	37	5	shariah	shariah	PROPN
ejif-9414	37	6	principles	principle	NOUN
ejif-9414	37	7	and	and	CCONJ
ejif-9414	37	8	prohibit	prohibit	VERB
ejif-9414	37	9	interest	interest	NOUN
ejif-9414	37	10	,	,	PUNCT
ejif-9414	37	11	making	make	VERB
ejif-9414	37	12	conventional	conventional	ADJ
ejif-9414	37	13	interest	interest	NOUN
ejif-9414	37	14	rates	rate	NOUN
ejif-9414	37	15	ineffective	ineffective	ADJ
ejif-9414	37	16	in	in	ADP
ejif-9414	37	17	controlling	control	VERB
ejif-9414	37	18	credit	credit	NOUN
ejif-9414	37	19	demand	demand	NOUN
ejif-9414	37	20	(	(	PUNCT
ejif-9414	37	21	drissi	drissi	PROPN
ejif-9414	37	22	&	&	CCONJ
ejif-9414	37	23	guerguer	guerguer	PROPN
ejif-9414	37	24	,	,	PUNCT
ejif-9414	37	25	2023	2023	NUM
ejif-9414	37	26	)	)	PUNCT
ejif-9414	37	27	.	.	PUNCT
ejif-9414	38	1	this	this	PRON
ejif-9414	38	2	allows	allow	VERB
ejif-9414	38	3	underserved	underserved	ADJ
ejif-9414	38	4	low	low	ADJ
ejif-9414	38	5	-	-	PUNCT
ejif-9414	38	6	income	income	NOUN
ejif-9414	38	7	earners	earner	NOUN
ejif-9414	38	8	and	and	CCONJ
ejif-9414	38	9	small	small	ADJ
ejif-9414	38	10	business	business	NOUN
ejif-9414	38	11	owners	owner	NOUN
ejif-9414	38	12	to	to	PART
ejif-9414	38	13	be	be	AUX
ejif-9414	38	14	financially	financially	ADV
ejif-9414	38	15	included	include	VERB
ejif-9414	38	16	.	.	PUNCT
ejif-9414	39	1	rather	rather	ADV
ejif-9414	39	2	than	than	SCONJ
ejif-9414	39	3	give	give	VERB
ejif-9414	39	4	out	out	ADP
ejif-9414	39	5	loans	loan	NOUN
ejif-9414	39	6	in	in	ADP
ejif-9414	39	7	cash	cash	NOUN
ejif-9414	39	8	where	where	SCONJ
ejif-9414	39	9	repayment	repayment	NOUN
ejif-9414	39	10	could	could	AUX
ejif-9414	39	11	at	at	ADP
ejif-9414	39	12	times	time	NOUN
ejif-9414	39	13	be	be	AUX
ejif-9414	39	14	difficult	difficult	ADJ
ejif-9414	39	15	,	,	PUNCT
ejif-9414	39	16	the	the	DET
ejif-9414	39	17	asset	asset	NOUN
ejif-9414	39	18	-	-	PUNCT
ejif-9414	39	19	based	base	VERB
ejif-9414	39	20	financing	financing	NOUN
ejif-9414	39	21	model	model	NOUN
ejif-9414	39	22	of	of	ADP
ejif-9414	39	23	islamic	islamic	ADJ
ejif-9414	39	24	microfinance	microfinance	NOUN
ejif-9414	39	25	could	could	AUX
ejif-9414	39	26	be	be	AUX
ejif-9414	39	27	introduced	introduce	VERB
ejif-9414	39	28	where	where	SCONJ
ejif-9414	39	29	funds	fund	NOUN
ejif-9414	39	30	are	be	AUX
ejif-9414	39	31	released	release	VERB
ejif-9414	39	32	only	only	ADV
ejif-9414	39	33	for	for	ADP
ejif-9414	39	34	real	real	ADJ
ejif-9414	39	35	economic	economic	ADJ
ejif-9414	39	36	activities	activity	NOUN
ejif-9414	39	37	.	.	PUNCT
ejif-9414	40	1	the	the	DET
ejif-9414	40	2	model	model	NOUN
ejif-9414	40	3	also	also	ADV
ejif-9414	40	4	ensures	ensure	VERB
ejif-9414	40	5	effective	effective	ADJ
ejif-9414	40	6	monitoring	monitoring	NOUN
ejif-9414	40	7	and	and	CCONJ
ejif-9414	40	8	supervision	supervision	NOUN
ejif-9414	40	9	of	of	ADP
ejif-9414	40	10	how	how	SCONJ
ejif-9414	40	11	the	the	DET
ejif-9414	40	12	funds	fund	NOUN
ejif-9414	40	13	are	be	AUX
ejif-9414	40	14	utilized	utilize	VERB
ejif-9414	40	15	.	.	PUNCT
ejif-9414	41	1	although	although	SCONJ
ejif-9414	41	2	several	several	ADJ
ejif-9414	41	3	studies	study	NOUN
ejif-9414	41	4	have	have	AUX
ejif-9414	41	5	identified	identify	VERB
ejif-9414	41	6	islamic	islamic	ADJ
ejif-9414	41	7	microfinance	microfinance	NOUN
ejif-9414	41	8	as	as	ADP
ejif-9414	41	9	a	a	DET
ejif-9414	41	10	tool	tool	NOUN
ejif-9414	41	11	for	for	ADP
ejif-9414	41	12	bringing	bring	VERB
ejif-9414	41	13	underserved	underserved	ADJ
ejif-9414	41	14	poor	poor	ADJ
ejif-9414	41	15	people	people	NOUN
ejif-9414	41	16	into	into	ADP
ejif-9414	41	17	the	the	DET
ejif-9414	41	18	financial	financial	ADJ
ejif-9414	41	19	system	system	NOUN
ejif-9414	41	20	to	to	PART
ejif-9414	41	21	reduce	reduce	VERB
ejif-9414	41	22	poverty	poverty	NOUN
ejif-9414	41	23	,	,	PUNCT
ejif-9414	41	24	empirical	empirical	ADJ
ejif-9414	41	25	investigations	investigation	NOUN
ejif-9414	41	26	are	be	AUX
ejif-9414	41	27	still	still	ADV
ejif-9414	41	28	scanty	scanty	ADJ
ejif-9414	41	29	.	.	PUNCT
ejif-9414	42	1	this	this	PRON
ejif-9414	42	2	calls	call	VERB
ejif-9414	42	3	for	for	ADP
ejif-9414	42	4	a	a	DET
ejif-9414	42	5	more	more	ADV
ejif-9414	42	6	robust	robust	ADJ
ejif-9414	42	7	analysis	analysis	NOUN
ejif-9414	42	8	that	that	PRON
ejif-9414	42	9	will	will	AUX
ejif-9414	42	10	inform	inform	VERB
ejif-9414	42	11	implementable	implementable	ADJ
ejif-9414	42	12	policy	policy	NOUN
ejif-9414	42	13	recommendations	recommendation	NOUN
ejif-9414	42	14	.	.	PUNCT
ejif-9414	43	1	furthermore	furthermore	ADV
ejif-9414	43	2	,	,	PUNCT
ejif-9414	43	3	some	some	PRON
ejif-9414	43	4	of	of	ADP
ejif-9414	43	5	the	the	DET
ejif-9414	43	6	previous	previous	ADJ
ejif-9414	43	7	studies	study	NOUN
ejif-9414	43	8	such	such	ADJ
ejif-9414	43	9	as	as	ADP
ejif-9414	43	10	adnan	adnan	PROPN
ejif-9414	43	11	and	and	CCONJ
ejif-9414	43	12	ajija	ajija	NOUN
ejif-9414	43	13	(	(	PUNCT
ejif-9414	43	14	2015	2015	NUM
ejif-9414	43	15	)	)	PUNCT
ejif-9414	43	16	,	,	PUNCT
ejif-9414	43	17	and	and	CCONJ
ejif-9414	43	18	ibrahim	ibrahim	PROPN
ejif-9414	43	19	and	and	CCONJ
ejif-9414	43	20	murtala	murtala	NOUN
ejif-9414	43	21	(	(	PUNCT
ejif-9414	43	22	2018	2018	NUM
ejif-9414	43	23	)	)	PUNCT
ejif-9414	43	24	considered	consider	VERB
ejif-9414	43	25	mudharabah	mudharabah	NOUN
ejif-9414	43	26	,	,	PUNCT
ejif-9414	43	27	musharakah	musharakah	PROPN
ejif-9414	43	28	,	,	PUNCT
ejif-9414	43	29	murabahah	murabahah	PROPN
ejif-9414	43	30	,	,	PUNCT
ejif-9414	43	31	ijarah	ijarah	PROPN
ejif-9414	43	32	and	and	CCONJ
ejif-9414	43	33	qard	qard	PROPN
ejif-9414	43	34	al	al	PROPN
ejif-9414	43	35	-	-	PUNCT
ejif-9414	43	36	hasan	hasan	PROPN
ejif-9414	43	37	while	while	SCONJ
ejif-9414	43	38	ignoring	ignore	VERB
ejif-9414	43	39	zakat	zakat	NOUN
ejif-9414	43	40	,	,	PUNCT
ejif-9414	43	41	sadaqah	sadaqah	NOUN
ejif-9414	43	42	,	,	PUNCT
ejif-9414	43	43	waqf	waqf	NOUN
ejif-9414	43	44	and	and	CCONJ
ejif-9414	43	45	salam	salam	PROPN
ejif-9414	43	46	.	.	PUNCT
ejif-9414	44	1	these	these	DET
ejif-9414	44	2	neglected	neglect	VERB
ejif-9414	44	3	assets	asset	NOUN
ejif-9414	44	4	finances	finance	NOUN
ejif-9414	44	5	are	be	AUX
ejif-9414	44	6	important	important	ADJ
ejif-9414	44	7	because	because	SCONJ
ejif-9414	44	8	they	they	PRON
ejif-9414	44	9	do	do	AUX
ejif-9414	44	10	not	not	PART
ejif-9414	44	11	require	require	VERB
ejif-9414	44	12	repayment	repayment	NOUN
ejif-9414	44	13	and	and	CCONJ
ejif-9414	44	14	can	can	AUX
ejif-9414	44	15	be	be	AUX
ejif-9414	44	16	used	use	VERB
ejif-9414	44	17	for	for	ADP
ejif-9414	44	18	a	a	DET
ejif-9414	44	19	long	long	ADJ
ejif-9414	44	20	time	time	NOUN
ejif-9414	44	21	to	to	PART
ejif-9414	44	22	help	help	VERB
ejif-9414	44	23	alleviate	alleviate	VERB
ejif-9414	44	24	poverty	poverty	NOUN
ejif-9414	44	25	.	.	PUNCT
ejif-9414	45	1	in	in	ADP
ejif-9414	45	2	addition	addition	NOUN
ejif-9414	45	3	,	,	PUNCT
ejif-9414	45	4	previous	previous	ADJ
ejif-9414	45	5	studies	study	NOUN
ejif-9414	45	6	on	on	ADP
ejif-9414	45	7	poverty	poverty	NOUN
ejif-9414	45	8	alleviation	alleviation	NOUN
ejif-9414	45	9	neglected	neglect	VERB
ejif-9414	45	10	the	the	DET
ejif-9414	45	11	possible	possible	ADJ
ejif-9414	45	12	impact	impact	NOUN
ejif-9414	45	13	of	of	ADP
ejif-9414	45	14	income	income	NOUN
ejif-9414	45	15	accruable	accruable	ADJ
ejif-9414	45	16	to	to	ADP
ejif-9414	45	17	potential	potential	ADJ
ejif-9414	45	18	beneficiaries	beneficiary	NOUN
ejif-9414	45	19	of	of	ADP
ejif-9414	45	20	islamic	islamic	ADJ
ejif-9414	45	21	microfinance	microfinance	NOUN
ejif-9414	45	22	.	.	PUNCT
ejif-9414	46	1	the	the	DET
ejif-9414	46	2	justification	justification	NOUN
ejif-9414	46	3	for	for	ADP
ejif-9414	46	4	the	the	DET
ejif-9414	46	5	income	income	NOUN
ejif-9414	46	6	of	of	ADP
ejif-9414	46	7	beneficiaries	beneficiary	NOUN
ejif-9414	46	8	of	of	ADP
ejif-9414	46	9	islamic	islamic	ADJ
ejif-9414	46	10	microfinance	microfinance	NOUN
ejif-9414	46	11	emanated	emanate	VERB
ejif-9414	46	12	from	from	ADP
ejif-9414	46	13	the	the	DET
ejif-9414	46	14	theory	theory	NOUN
ejif-9414	46	15	of	of	ADP
ejif-9414	46	16	the	the	DET
ejif-9414	46	17	vicious	vicious	ADJ
ejif-9414	46	18	cycle	cycle	NOUN
ejif-9414	46	19	of	of	ADP
ejif-9414	46	20	poverty	poverty	NOUN
ejif-9414	46	21	that	that	PRON
ejif-9414	46	22	assumes	assume	VERB
ejif-9414	46	23	that	that	SCONJ
ejif-9414	46	24	the	the	DET
ejif-9414	46	25	bane	bane	NOUN
ejif-9414	46	26	of	of	ADP
ejif-9414	46	27	poverty	poverty	NOUN
ejif-9414	46	28	is	be	AUX
ejif-9414	46	29	low	low	ADJ
ejif-9414	46	30	income	income	NOUN
ejif-9414	46	31	.	.	PUNCT
ejif-9414	47	1	these	these	DET
ejif-9414	47	2	neglected	neglect	VERB
ejif-9414	47	3	areas	area	NOUN
ejif-9414	47	4	constituted	constitute	VERB
ejif-9414	47	5	the	the	DET
ejif-9414	47	6	need	need	NOUN
ejif-9414	47	7	for	for	ADP
ejif-9414	47	8	this	this	DET
ejif-9414	47	9	study	study	NOUN
ejif-9414	47	10	.	.	PUNCT
ejif-9414	48	1	this	this	DET
ejif-9414	48	2	study	study	NOUN
ejif-9414	48	3	,	,	PUNCT
ejif-9414	48	4	therefore	therefore	ADV
ejif-9414	48	5	,	,	PUNCT
ejif-9414	48	6	examined	examine	VERB
ejif-9414	48	7	the	the	DET
ejif-9414	48	8	influence	influence	NOUN
ejif-9414	48	9	of	of	ADP
ejif-9414	48	10	the	the	DET
ejif-9414	48	11	islamic	islamic	ADJ
ejif-9414	48	12	microfinance	microfinance	NOUN
ejif-9414	48	13	system	system	NOUN
ejif-9414	48	14	on	on	ADP
ejif-9414	48	15	poverty	poverty	NOUN
ejif-9414	48	16	alleviation	alleviation	NOUN
ejif-9414	48	17	in	in	ADP
ejif-9414	48	18	kwara	kwara	PROPN
ejif-9414	48	19	state	state	PROPN
ejif-9414	48	20	,	,	PUNCT
ejif-9414	48	21	nigeria	nigeria	PROPN
ejif-9414	48	22	.	.	PUNCT
ejif-9414	49	1	european	european	PROPN
ejif-9414	49	2	journal	journal	PROPN
ejif-9414	49	3	of	of	ADP
ejif-9414	49	4	islamic	islamic	PROPN
ejif-9414	49	5	finance	finance	PROPN
ejif-9414	49	6	issn	issn	PROPN
ejif-9414	49	7	:	:	PUNCT
ejif-9414	49	8	2421	2421	NUM
ejif-9414	49	9	-	-	SYM
ejif-9414	49	10	2172	2172	NUM
ejif-9414	49	11	doi	doi	NOUN
ejif-9414	49	12	:	:	PUNCT
ejif-9414	49	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	49	14	-	-	SYM
ejif-9414	49	15	2172/9414	2172/9414	NUM
ejif-9414	49	16	published	publish	VERB
ejif-9414	49	17	by	by	ADP
ejif-9414	49	18	university	university	PROPN
ejif-9414	49	19	of	of	ADP
ejif-9414	49	20	turin	turin	PROPN
ejif-9414	50	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	50	2	ejif	ejif	PROPN
ejif-9414	50	3	content	content	NOUN
ejif-9414	50	4	is	be	AUX
ejif-9414	50	5	licensed	license	VERB
ejif-9414	50	6	under	under	ADP
ejif-9414	50	7	a	a	DET
ejif-9414	50	8	creative	creative	ADJ
ejif-9414	50	9	commons	common	NOUN
ejif-9414	50	10	attribution	attribution	NOUN
ejif-9414	50	11	4.0	4.0	NUM
ejif-9414	50	12	international	international	ADJ
ejif-9414	50	13	license	license	NOUN
ejif-9414	50	14	19	19	NUM
ejif-9414	50	15	2	2	NUM
ejif-9414	50	16	.	.	PUNCT
ejif-9414	51	1	literature	literature	NOUN
ejif-9414	51	2	review	review	VERB
ejif-9414	51	3	2.1	2.1	NUM
ejif-9414	51	4	concept	concept	NOUN
ejif-9414	51	5	of	of	ADP
ejif-9414	51	6	microfinance	microfinance	NOUN
ejif-9414	51	7	microfinance	microfinance	NOUN
ejif-9414	51	8	is	be	AUX
ejif-9414	51	9	an	an	DET
ejif-9414	51	10	arrangement	arrangement	NOUN
ejif-9414	51	11	through	through	ADP
ejif-9414	51	12	which	which	PRON
ejif-9414	51	13	financial	financial	ADJ
ejif-9414	51	14	services	service	NOUN
ejif-9414	51	15	like	like	ADP
ejif-9414	51	16	savings	saving	NOUN
ejif-9414	51	17	,	,	PUNCT
ejif-9414	51	18	loan	loan	NOUN
ejif-9414	51	19	extension	extension	NOUN
ejif-9414	51	20	,	,	PUNCT
ejif-9414	51	21	payment	payment	NOUN
ejif-9414	51	22	services	service	NOUN
ejif-9414	51	23	,	,	PUNCT
ejif-9414	51	24	money	money	NOUN
ejif-9414	51	25	transfers	transfer	NOUN
ejif-9414	51	26	and	and	CCONJ
ejif-9414	51	27	insurance	insurance	NOUN
ejif-9414	51	28	services	service	NOUN
ejif-9414	51	29	are	be	AUX
ejif-9414	51	30	provided	provide	VERB
ejif-9414	51	31	to	to	ADP
ejif-9414	51	32	the	the	DET
ejif-9414	51	33	poor	poor	ADJ
ejif-9414	51	34	,	,	PUNCT
ejif-9414	51	35	low	low	ADJ
ejif-9414	51	36	-	-	PUNCT
ejif-9414	51	37	income	income	NOUN
ejif-9414	51	38	earners	earner	NOUN
ejif-9414	51	39	and	and	CCONJ
ejif-9414	51	40	their	their	PRON
ejif-9414	51	41	microeconomic	microeconomic	ADJ
ejif-9414	51	42	activities	activity	NOUN
ejif-9414	51	43	(	(	PUNCT
ejif-9414	51	44	babu	babu	PROPN
ejif-9414	51	45	,	,	PUNCT
ejif-9414	51	46	naratejaswini	naratejaswini	PROPN
ejif-9414	51	47	&	&	CCONJ
ejif-9414	51	48	umakanth	umakanth	ADJ
ejif-9414	51	49	,	,	PUNCT
ejif-9414	51	50	2019	2019	NUM
ejif-9414	51	51	)	)	PUNCT
ejif-9414	51	52	.	.	PUNCT
ejif-9414	52	1	according	accord	VERB
ejif-9414	52	2	to	to	ADP
ejif-9414	52	3	the	the	DET
ejif-9414	52	4	reserve	reserve	PROPN
ejif-9414	52	5	bank	bank	PROPN
ejif-9414	52	6	of	of	ADP
ejif-9414	52	7	india	india	PROPN
ejif-9414	52	8	(	(	PUNCT
ejif-9414	52	9	2000	2000	NUM
ejif-9414	52	10	)	)	PUNCT
ejif-9414	52	11	,	,	PUNCT
ejif-9414	52	12	microfinance	microfinance	NOUN
ejif-9414	52	13	is	be	AUX
ejif-9414	52	14	an	an	DET
ejif-9414	52	15	arrangement	arrangement	NOUN
ejif-9414	52	16	that	that	PRON
ejif-9414	52	17	comprises	comprise	VERB
ejif-9414	52	18	the	the	DET
ejif-9414	52	19	provision	provision	NOUN
ejif-9414	52	20	of	of	ADP
ejif-9414	52	21	money	money	NOUN
ejif-9414	52	22	,	,	PUNCT
ejif-9414	52	23	credit	credit	NOUN
ejif-9414	52	24	,	,	PUNCT
ejif-9414	52	25	and	and	CCONJ
ejif-9414	52	26	other	other	ADJ
ejif-9414	52	27	financial	financial	ADJ
ejif-9414	52	28	services	service	NOUN
ejif-9414	52	29	to	to	PART
ejif-9414	52	30	raise	raise	VERB
ejif-9414	52	31	the	the	DET
ejif-9414	52	32	standard	standard	NOUN
ejif-9414	52	33	of	of	ADP
ejif-9414	52	34	living	living	NOUN
ejif-9414	52	35	and	and	CCONJ
ejif-9414	52	36	economic	economic	ADJ
ejif-9414	52	37	well	well	NOUN
ejif-9414	52	38	-	-	PUNCT
ejif-9414	52	39	being	being	NOUN
ejif-9414	52	40	of	of	ADP
ejif-9414	52	41	the	the	DET
ejif-9414	52	42	underprivileged	underprivileged	ADJ
ejif-9414	52	43	and	and	CCONJ
ejif-9414	52	44	small	small	ADJ
ejif-9414	52	45	business	business	NOUN
ejif-9414	52	46	owners	owner	NOUN
ejif-9414	52	47	in	in	ADP
ejif-9414	52	48	rural	rural	ADJ
ejif-9414	52	49	,	,	PUNCT
ejif-9414	52	50	semi	semi	ADJ
ejif-9414	52	51	-	-	ADJ
ejif-9414	52	52	urban	urban	ADJ
ejif-9414	52	53	,	,	PUNCT
ejif-9414	52	54	and	and	CCONJ
ejif-9414	52	55	urban	urban	ADJ
ejif-9414	52	56	areas	area	NOUN
ejif-9414	52	57	.	.	PUNCT
ejif-9414	53	1	kurmanalieva	kurmanalieva	PROPN
ejif-9414	53	2	et	et	PROPN
ejif-9414	53	3	al	al	PROPN
ejif-9414	53	4	.	.	PROPN
ejif-9414	53	5	(	(	PUNCT
ejif-9414	53	6	2003	2003	NUM
ejif-9414	53	7	)	)	PUNCT
ejif-9414	53	8	stated	state	VERB
ejif-9414	53	9	that	that	SCONJ
ejif-9414	53	10	microfinancing	microfinance	VERB
ejif-9414	53	11	targets	target	NOUN
ejif-9414	53	12	economically	economically	ADV
ejif-9414	53	13	disadvantaged	disadvantage	VERB
ejif-9414	53	14	individuals	individual	NOUN
ejif-9414	53	15	by	by	ADP
ejif-9414	53	16	offering	offer	VERB
ejif-9414	53	17	microcredit	microcredit	NOUN
ejif-9414	53	18	and	and	CCONJ
ejif-9414	53	19	other	other	ADJ
ejif-9414	53	20	small	small	ADJ
ejif-9414	53	21	-	-	PUNCT
ejif-9414	53	22	scale	scale	NOUN
ejif-9414	53	23	financial	financial	ADJ
ejif-9414	53	24	services	service	NOUN
ejif-9414	53	25	.	.	PUNCT
ejif-9414	54	1	this	this	PRON
ejif-9414	54	2	is	be	AUX
ejif-9414	54	3	to	to	PART
ejif-9414	54	4	improve	improve	VERB
ejif-9414	54	5	their	their	PRON
ejif-9414	54	6	socioeconomic	socioeconomic	ADJ
ejif-9414	54	7	wellbeing	wellbeing	NOUN
ejif-9414	54	8	.	.	PUNCT
ejif-9414	55	1	microfinance	microfinance	NOUN
ejif-9414	55	2	is	be	AUX
ejif-9414	55	3	,	,	PUNCT
ejif-9414	55	4	therefore	therefore	ADV
ejif-9414	55	5	,	,	PUNCT
ejif-9414	55	6	a	a	DET
ejif-9414	55	7	strategy	strategy	NOUN
ejif-9414	55	8	for	for	ADP
ejif-9414	55	9	promoting	promote	VERB
ejif-9414	55	10	financial	financial	ADJ
ejif-9414	55	11	inclusion	inclusion	NOUN
ejif-9414	55	12	.	.	PUNCT
ejif-9414	56	1	supporting	support	VERB
ejif-9414	56	2	this	this	DET
ejif-9414	56	3	assertion	assertion	NOUN
ejif-9414	56	4	,	,	PUNCT
ejif-9414	56	5	adnan	adnan	PROPN
ejif-9414	56	6	and	and	CCONJ
ejif-9414	56	7	kumar	kumar	PROPN
ejif-9414	56	8	(	(	PUNCT
ejif-9414	56	9	2021	2021	NUM
ejif-9414	56	10	)	)	PUNCT
ejif-9414	56	11	posited	posit	VERB
ejif-9414	56	12	that	that	SCONJ
ejif-9414	56	13	microfinance	microfinance	NOUN
ejif-9414	56	14	offers	offer	VERB
ejif-9414	56	15	banking	banking	NOUN
ejif-9414	56	16	services	service	NOUN
ejif-9414	56	17	to	to	ADP
ejif-9414	56	18	those	those	PRON
ejif-9414	56	19	typically	typically	ADV
ejif-9414	56	20	shut	shut	VERB
ejif-9414	56	21	out	out	ADP
ejif-9414	56	22	of	of	ADP
ejif-9414	56	23	the	the	DET
ejif-9414	56	24	traditional	traditional	ADJ
ejif-9414	56	25	banking	banking	NOUN
ejif-9414	56	26	system	system	NOUN
ejif-9414	56	27	.	.	PUNCT
ejif-9414	57	1	the	the	DET
ejif-9414	57	2	arrangement	arrangement	NOUN
ejif-9414	57	3	is	be	AUX
ejif-9414	57	4	essential	essential	ADJ
ejif-9414	57	5	for	for	ADP
ejif-9414	57	6	ensuring	ensure	VERB
ejif-9414	57	7	the	the	DET
ejif-9414	57	8	financial	financial	ADJ
ejif-9414	57	9	inclusion	inclusion	NOUN
ejif-9414	57	10	of	of	ADP
ejif-9414	57	11	those	those	PRON
ejif-9414	57	12	who	who	PRON
ejif-9414	57	13	are	be	AUX
ejif-9414	57	14	financially	financially	ADV
ejif-9414	57	15	disadvantaged	disadvantaged	ADJ
ejif-9414	57	16	(	(	PUNCT
ejif-9414	57	17	adnan	adnan	PROPN
ejif-9414	57	18	&	&	CCONJ
ejif-9414	57	19	kumar	kumar	PROPN
ejif-9414	57	20	,	,	PUNCT
ejif-9414	57	21	2021	2021	NUM
ejif-9414	57	22	)	)	PUNCT
ejif-9414	57	23	.	.	PUNCT
ejif-9414	58	1	discussing	discuss	VERB
ejif-9414	58	2	the	the	DET
ejif-9414	58	3	importance	importance	NOUN
ejif-9414	58	4	of	of	ADP
ejif-9414	58	5	microfinance	microfinance	NOUN
ejif-9414	58	6	,	,	PUNCT
ejif-9414	58	7	rohman	rohman	NOUN
ejif-9414	58	8	et	et	PROPN
ejif-9414	58	9	al	al	PROPN
ejif-9414	58	10	.	.	PROPN
ejif-9414	59	1	(	(	PUNCT
ejif-9414	59	2	2021	2021	NUM
ejif-9414	59	3	)	)	PUNCT
ejif-9414	59	4	projected	project	VERB
ejif-9414	59	5	microfinance	microfinance	NOUN
ejif-9414	59	6	as	as	ADP
ejif-9414	59	7	a	a	DET
ejif-9414	59	8	veritable	veritable	ADJ
ejif-9414	59	9	tool	tool	NOUN
ejif-9414	59	10	for	for	ADP
ejif-9414	59	11	solving	solve	VERB
ejif-9414	59	12	poverty	poverty	NOUN
ejif-9414	59	13	-	-	PUNCT
ejif-9414	59	14	related	relate	VERB
ejif-9414	59	15	problems	problem	NOUN
ejif-9414	59	16	as	as	SCONJ
ejif-9414	59	17	it	it	PRON
ejif-9414	59	18	can	can	AUX
ejif-9414	59	19	provide	provide	VERB
ejif-9414	59	20	micro	micro	NOUN
ejif-9414	59	21	-	-	NOUN
ejif-9414	59	22	loans	loan	NOUN
ejif-9414	59	23	to	to	ADP
ejif-9414	59	24	micro	micro	ADJ
ejif-9414	59	25	and	and	CCONJ
ejif-9414	59	26	small	small	ADJ
ejif-9414	59	27	businesses	business	NOUN
ejif-9414	59	28	.	.	PUNCT
ejif-9414	60	1	despite	despite	SCONJ
ejif-9414	60	2	the	the	DET
ejif-9414	60	3	observed	observed	ADJ
ejif-9414	60	4	role	role	NOUN
ejif-9414	60	5	of	of	ADP
ejif-9414	60	6	microfinance	microfinance	NOUN
ejif-9414	60	7	institutions	institution	NOUN
ejif-9414	60	8	,	,	PUNCT
ejif-9414	60	9	conventional	conventional	ADJ
ejif-9414	60	10	microfinance	microfinance	NOUN
ejif-9414	60	11	institutions	institution	NOUN
ejif-9414	60	12	have	have	AUX
ejif-9414	60	13	fallen	fall	VERB
ejif-9414	60	14	short	short	ADJ
ejif-9414	60	15	of	of	ADP
ejif-9414	60	16	expectations	expectation	NOUN
ejif-9414	60	17	and	and	CCONJ
ejif-9414	60	18	can	can	AUX
ejif-9414	60	19	not	not	PART
ejif-9414	60	20	solve	solve	VERB
ejif-9414	60	21	the	the	DET
ejif-9414	60	22	poverty	poverty	NOUN
ejif-9414	60	23	problems	problem	NOUN
ejif-9414	60	24	.	.	PUNCT
ejif-9414	61	1	rohman	rohman	NOUN
ejif-9414	61	2	et	et	PROPN
ejif-9414	61	3	al	al	PROPN
ejif-9414	61	4	(	(	PUNCT
ejif-9414	61	5	2021	2021	NUM
ejif-9414	61	6	)	)	PUNCT
ejif-9414	61	7	stated	state	VERB
ejif-9414	61	8	that	that	SCONJ
ejif-9414	61	9	conventional	conventional	ADJ
ejif-9414	61	10	microfinance	microfinance	NOUN
ejif-9414	61	11	institutions	institution	NOUN
ejif-9414	61	12	could	could	AUX
ejif-9414	61	13	have	have	AUX
ejif-9414	61	14	more	more	ADV
ejif-9414	61	15	effectively	effectively	ADV
ejif-9414	61	16	addressed	address	VERB
ejif-9414	61	17	the	the	DET
ejif-9414	61	18	problem	problem	NOUN
ejif-9414	61	19	of	of	ADP
ejif-9414	61	20	poverty	poverty	NOUN
ejif-9414	61	21	because	because	SCONJ
ejif-9414	61	22	they	they	PRON
ejif-9414	61	23	still	still	ADV
ejif-9414	61	24	operate	operate	VERB
ejif-9414	61	25	on	on	ADP
ejif-9414	61	26	interest	interest	NOUN
ejif-9414	61	27	.	.	PUNCT
ejif-9414	62	1	it	it	PRON
ejif-9414	62	2	is	be	AUX
ejif-9414	62	3	on	on	ADP
ejif-9414	62	4	this	this	DET
ejif-9414	62	5	basis	basis	NOUN
ejif-9414	62	6	that	that	SCONJ
ejif-9414	62	7	islamic	islamic	ADJ
ejif-9414	62	8	microfinance	microfinance	NOUN
ejif-9414	62	9	was	be	AUX
ejif-9414	62	10	adopted	adopt	VERB
ejif-9414	62	11	to	to	PART
ejif-9414	62	12	bridge	bridge	VERB
ejif-9414	62	13	this	this	DET
ejif-9414	62	14	gap	gap	NOUN
ejif-9414	62	15	by	by	ADP
ejif-9414	62	16	promoting	promote	VERB
ejif-9414	62	17	financial	financial	ADJ
ejif-9414	62	18	inclusion	inclusion	NOUN
ejif-9414	62	19	and	and	CCONJ
ejif-9414	62	20	alleviating	alleviate	VERB
ejif-9414	62	21	poverty	poverty	NOUN
ejif-9414	62	22	among	among	ADP
ejif-9414	62	23	lowincome	lowincome	NOUN
ejif-9414	62	24	earners	earner	NOUN
ejif-9414	62	25	(	(	PUNCT
ejif-9414	62	26	shinkafi	shinkafi	PROPN
ejif-9414	62	27	,	,	PUNCT
ejif-9414	62	28	yahya	yahya	PROPN
ejif-9414	62	29	&	&	CCONJ
ejif-9414	62	30	sani	sani	PROPN
ejif-9414	62	31	,	,	PUNCT
ejif-9414	62	32	2019	2019	NUM
ejif-9414	62	33	;	;	PUNCT
ejif-9414	62	34	alaro	alaro	NOUN
ejif-9414	62	35	&	&	CCONJ
ejif-9414	62	36	alalubosa	alalubosa	PROPN
ejif-9414	62	37	,	,	PUNCT
ejif-9414	62	38	2019	2019	NUM
ejif-9414	62	39	)	)	PUNCT
ejif-9414	62	40	.	.	PUNCT
ejif-9414	63	1	2.2	2.2	NUM
ejif-9414	63	2	islamic	islamic	ADJ
ejif-9414	63	3	microfinance	microfinance	NOUN
ejif-9414	63	4	islamic	islamic	ADJ
ejif-9414	63	5	microfinance	microfinance	NOUN
ejif-9414	63	6	is	be	AUX
ejif-9414	63	7	an	an	DET
ejif-9414	63	8	arrangement	arrangement	NOUN
ejif-9414	63	9	that	that	PRON
ejif-9414	63	10	aims	aim	VERB
ejif-9414	63	11	at	at	ADP
ejif-9414	63	12	improving	improve	VERB
ejif-9414	63	13	the	the	DET
ejif-9414	63	14	socioeconomic	socioeconomic	ADJ
ejif-9414	63	15	well	well	NOUN
ejif-9414	63	16	-	-	PUNCT
ejif-9414	63	17	being	being	NOUN
ejif-9414	63	18	of	of	ADP
ejif-9414	63	19	the	the	DET
ejif-9414	63	20	poor	poor	ADJ
ejif-9414	63	21	,	,	PUNCT
ejif-9414	63	22	micro	micro	ADJ
ejif-9414	63	23	and	and	CCONJ
ejif-9414	63	24	small	small	ADJ
ejif-9414	63	25	businesses	business	NOUN
ejif-9414	63	26	who	who	PRON
ejif-9414	63	27	were	be	AUX
ejif-9414	63	28	financially	financially	ADV
ejif-9414	63	29	marginalized	marginalize	VERB
ejif-9414	63	30	by	by	ADP
ejif-9414	63	31	providing	provide	VERB
ejif-9414	63	32	them	they	PRON
ejif-9414	63	33	with	with	ADP
ejif-9414	63	34	sharıʿah	sharıʿah	NOUN
ejif-9414	63	35	-	-	PUNCT
ejif-9414	63	36	compliant	compliant	ADJ
ejif-9414	63	37	financing	financing	NOUN
ejif-9414	63	38	(	(	PUNCT
ejif-9414	63	39	akbar	akbar	NOUN
ejif-9414	63	40	&	&	CCONJ
ejif-9414	63	41	siti	siti	PROPN
ejif-9414	63	42	-	-	PUNCT
ejif-9414	63	43	nabiha	nabiha	ADJ
ejif-9414	63	44	,	,	PUNCT
ejif-9414	63	45	2022	2022	NUM
ejif-9414	63	46	;	;	PUNCT
ejif-9414	63	47	dusuki,2008	dusuki,2008	NOUN
ejif-9414	63	48	)	)	PUNCT
ejif-9414	63	49	.	.	PUNCT
ejif-9414	64	1	rohman	rohman	NOUN
ejif-9414	64	2	et	et	PROPN
ejif-9414	64	3	al	al	PROPN
ejif-9414	64	4	.	.	PROPN
ejif-9414	65	1	(	(	PUNCT
ejif-9414	65	2	2021	2021	NUM
ejif-9414	65	3	)	)	PUNCT
ejif-9414	65	4	viewed	view	VERB
ejif-9414	65	5	islamic	islamic	ADJ
ejif-9414	65	6	microfinance	microfinance	NOUN
ejif-9414	65	7	as	as	ADP
ejif-9414	65	8	an	an	DET
ejif-9414	65	9	institution	institution	NOUN
ejif-9414	65	10	that	that	PRON
ejif-9414	65	11	operates	operate	VERB
ejif-9414	65	12	on	on	ADP
ejif-9414	65	13	certain	certain	ADJ
ejif-9414	65	14	islamic	islamic	ADJ
ejif-9414	65	15	values	value	NOUN
ejif-9414	65	16	like	like	ADP
ejif-9414	65	17	the	the	DET
ejif-9414	65	18	application	application	NOUN
ejif-9414	65	19	of	of	ADP
ejif-9414	65	20	shariah	shariah	PROPN
ejif-9414	65	21	maqasid	maqasid	PROPN
ejif-9414	65	22	,	,	PUNCT
ejif-9414	65	23	prohibition	prohibition	NOUN
ejif-9414	65	24	of	of	ADP
ejif-9414	65	25	usury	usury	NOUN
ejif-9414	65	26	,	,	PUNCT
ejif-9414	65	27	elimination	elimination	NOUN
ejif-9414	65	28	of	of	ADP
ejif-9414	65	29	injustice	injustice	NOUN
ejif-9414	65	30	and	and	CCONJ
ejif-9414	65	31	gambling	gambling	NOUN
ejif-9414	65	32	elements	element	NOUN
ejif-9414	65	33	.	.	PUNCT
ejif-9414	66	1	as	as	ADP
ejif-9414	66	2	a	a	DET
ejif-9414	66	3	subset	subset	NOUN
ejif-9414	66	4	of	of	ADP
ejif-9414	66	5	islamic	islamic	ADJ
ejif-9414	66	6	finance	finance	PROPN
ejif-9414	66	7	,	,	PUNCT
ejif-9414	66	8	islamic	islamic	ADJ
ejif-9414	66	9	microfinance	microfinance	NOUN
ejif-9414	66	10	adheres	adhere	VERB
ejif-9414	66	11	to	to	ADP
ejif-9414	66	12	shari'ah	shari'ah	NOUN
ejif-9414	66	13	law	law	NOUN
ejif-9414	66	14	and	and	CCONJ
ejif-9414	66	15	forbids	forbid	VERB
ejif-9414	66	16	transactions	transaction	NOUN
ejif-9414	66	17	based	base	VERB
ejif-9414	66	18	on	on	ADP
ejif-9414	66	19	interest	interest	NOUN
ejif-9414	66	20	known	know	VERB
ejif-9414	66	21	as	as	ADP
ejif-9414	66	22	riba	riba	PROPN
ejif-9414	66	23	(	(	PUNCT
ejif-9414	66	24	hassan	hassan	PROPN
ejif-9414	66	25	,	,	PUNCT
ejif-9414	66	26	et	et	PROPN
ejif-9414	66	27	al	al	PROPN
ejif-9414	66	28	,	,	PUNCT
ejif-9414	66	29	2021	2021	NUM
ejif-9414	66	30	)	)	PUNCT
ejif-9414	66	31	.	.	PUNCT
ejif-9414	67	1	therefore	therefore	ADV
ejif-9414	67	2	,	,	PUNCT
ejif-9414	67	3	islamic	islamic	ADJ
ejif-9414	67	4	microfinance	microfinance	NOUN
ejif-9414	67	5	operates	operate	VERB
ejif-9414	67	6	its	its	PRON
ejif-9414	67	7	programs	program	NOUN
ejif-9414	67	8	following	follow	VERB
ejif-9414	67	9	the	the	DET
ejif-9414	67	10	principles	principle	NOUN
ejif-9414	67	11	of	of	ADP
ejif-9414	67	12	islamic	islamic	PROPN
ejif-9414	67	13	shariah	shariah	PROPN
ejif-9414	67	14	which	which	PRON
ejif-9414	67	15	include	include	VERB
ejif-9414	67	16	prohibition	prohibition	NOUN
ejif-9414	67	17	of	of	ADP
ejif-9414	67	18	interest	interest	NOUN
ejif-9414	67	19	,	,	PUNCT
ejif-9414	67	20	risk	risk	NOUN
ejif-9414	67	21	sharing	sharing	NOUN
ejif-9414	67	22	,	,	PUNCT
ejif-9414	67	23	avoidance	avoidance	NOUN
ejif-9414	67	24	of	of	ADP
ejif-9414	67	25	gharar	gharar	NOUN
ejif-9414	67	26	or	or	CCONJ
ejif-9414	67	27	ambiguity	ambiguity	NOUN
ejif-9414	67	28	and	and	CCONJ
ejif-9414	67	29	ensuring	ensure	VERB
ejif-9414	67	30	falah	falah	PROPN
ejif-9414	67	31	(	(	PUNCT
ejif-9414	67	32	welfare	welfare	NOUN
ejif-9414	67	33	)	)	PUNCT
ejif-9414	67	34	for	for	ADP
ejif-9414	67	35	all	all	DET
ejif-9414	67	36	members	member	NOUN
ejif-9414	67	37	of	of	ADP
ejif-9414	67	38	the	the	DET
ejif-9414	67	39	society	society	NOUN
ejif-9414	67	40	(	(	PUNCT
ejif-9414	67	41	nabi	nabi	NOUN
ejif-9414	67	42	et	et	PROPN
ejif-9414	67	43	al	al	PROPN
ejif-9414	67	44	,	,	PUNCT
ejif-9414	67	45	2017	2017	NUM
ejif-9414	67	46	)	)	PUNCT
ejif-9414	67	47	.	.	PUNCT
ejif-9414	68	1	islamic	islamic	ADJ
ejif-9414	68	2	microfinance	microfinance	NOUN
ejif-9414	68	3	promotes	promote	VERB
ejif-9414	68	4	financial	financial	ADJ
ejif-9414	68	5	intermediation	intermediation	NOUN
ejif-9414	68	6	and	and	CCONJ
ejif-9414	68	7	alleviates	alleviate	VERB
ejif-9414	68	8	poverty	poverty	NOUN
ejif-9414	68	9	.	.	PUNCT
ejif-9414	69	1	el	el	PROPN
ejif-9414	69	2	-	-	PUNCT
ejif-9414	69	3	komi	komi	PROPN
ejif-9414	69	4	and	and	CCONJ
ejif-9414	69	5	croson	croson	PROPN
ejif-9414	69	6	(	(	PUNCT
ejif-9414	69	7	2013	2013	NUM
ejif-9414	69	8	)	)	PUNCT
ejif-9414	69	9	observed	observe	VERB
ejif-9414	69	10	that	that	SCONJ
ejif-9414	69	11	islamic	islamic	ADJ
ejif-9414	69	12	microfinance	microfinance	NOUN
ejif-9414	69	13	products	product	NOUN
ejif-9414	69	14	,	,	PUNCT
ejif-9414	69	15	particularly	particularly	ADV
ejif-9414	69	16	microcredit	microcredit	ADJ
ejif-9414	69	17	,	,	PUNCT
ejif-9414	69	18	provide	provide	VERB
ejif-9414	69	19	a	a	DET
ejif-9414	69	20	platform	platform	NOUN
ejif-9414	69	21	for	for	ADP
ejif-9414	69	22	profit	profit	NOUN
ejif-9414	69	23	sharing	sharing	NOUN
ejif-9414	69	24	and	and	CCONJ
ejif-9414	69	25	joint	joint	ADJ
ejif-9414	69	26	venture	venture	NOUN
ejif-9414	69	27	contracts	contract	NOUN
ejif-9414	69	28	,	,	PUNCT
ejif-9414	69	29	useful	useful	ADJ
ejif-9414	69	30	tools	tool	NOUN
ejif-9414	69	31	for	for	ADP
ejif-9414	69	32	mobilising	mobilise	VERB
ejif-9414	69	33	funds	fund	NOUN
ejif-9414	69	34	for	for	ADP
ejif-9414	69	35	productive	productive	ADJ
ejif-9414	69	36	economic	economic	ADJ
ejif-9414	69	37	activities	activity	NOUN
ejif-9414	69	38	from	from	ADP
ejif-9414	69	39	muslim	muslim	ADJ
ejif-9414	69	40	and	and	CCONJ
ejif-9414	69	41	non	non	ADJ
ejif-9414	69	42	-	-	ADJ
ejif-9414	69	43	muslim	muslim	ADJ
ejif-9414	69	44	populations	population	NOUN
ejif-9414	69	45	.	.	PUNCT
ejif-9414	70	1	this	this	PRON
ejif-9414	70	2	is	be	AUX
ejif-9414	70	3	because	because	SCONJ
ejif-9414	70	4	it	it	PRON
ejif-9414	70	5	can	can	AUX
ejif-9414	70	6	increase	increase	VERB
ejif-9414	70	7	the	the	DET
ejif-9414	70	8	pool	pool	NOUN
ejif-9414	70	9	of	of	ADP
ejif-9414	70	10	potential	potential	ADJ
ejif-9414	70	11	borrowers	borrower	NOUN
ejif-9414	70	12	among	among	ADP
ejif-9414	70	13	muslims	muslim	NOUN
ejif-9414	70	14	and	and	CCONJ
ejif-9414	70	15	yield	yield	VERB
ejif-9414	70	16	greater	great	ADJ
ejif-9414	70	17	compliance	compliance	NOUN
ejif-9414	70	18	rates	rate	NOUN
ejif-9414	70	19	among	among	ADP
ejif-9414	70	20	nonmuslims	nonmuslims	PROPN
ejif-9414	70	21	.	.	PUNCT
ejif-9414	71	1	islamic	islamic	ADJ
ejif-9414	71	2	microfinance	microfinance	NOUN
ejif-9414	71	3	has	have	AUX
ejif-9414	71	4	been	be	AUX
ejif-9414	71	5	linked	link	VERB
ejif-9414	71	6	with	with	ADP
ejif-9414	71	7	poverty	poverty	NOUN
ejif-9414	71	8	alleviation	alleviation	NOUN
ejif-9414	71	9	through	through	ADP
ejif-9414	71	10	the	the	DET
ejif-9414	71	11	moderating	moderate	VERB
ejif-9414	71	12	effect	effect	NOUN
ejif-9414	71	13	of	of	ADP
ejif-9414	71	14	financial	financial	ADJ
ejif-9414	71	15	inclusion	inclusion	NOUN
ejif-9414	71	16	(	(	PUNCT
ejif-9414	71	17	ali	ali	PROPN
ejif-9414	71	18	,	,	PUNCT
ejif-9414	71	19	2017	2017	NUM
ejif-9414	71	20	)	)	PUNCT
ejif-9414	71	21	.	.	PUNCT
ejif-9414	72	1	according	accord	VERB
ejif-9414	72	2	to	to	ADP
ejif-9414	72	3	shinkafi	shinkafi	PROPN
ejif-9414	72	4	,	,	PUNCT
ejif-9414	72	5	yahaya	yahaya	NOUN
ejif-9414	72	6	and	and	CCONJ
ejif-9414	72	7	sani	sani	PROPN
ejif-9414	72	8	(	(	PUNCT
ejif-9414	72	9	2019	2019	NUM
ejif-9414	72	10	)	)	PUNCT
ejif-9414	72	11	,	,	PUNCT
ejif-9414	72	12	islamic	islamic	ADJ
ejif-9414	72	13	microfinance	microfinance	NOUN
ejif-9414	72	14	institutions	institution	NOUN
ejif-9414	72	15	can	can	AUX
ejif-9414	72	16	promote	promote	VERB
ejif-9414	72	17	financial	financial	ADJ
ejif-9414	72	18	inclusion	inclusion	NOUN
ejif-9414	72	19	by	by	ADP
ejif-9414	72	20	providing	provide	VERB
ejif-9414	72	21	shariah	shariah	PROPN
ejif-9414	72	22	-	-	PUNCT
ejif-9414	72	23	compliant	compliant	ADJ
ejif-9414	72	24	financial	financial	ADJ
ejif-9414	72	25	services	service	NOUN
ejif-9414	72	26	to	to	PART
ejif-9414	72	27	solve	solve	VERB
ejif-9414	72	28	grass	grass	NOUN
ejif-9414	72	29	-	-	PUNCT
ejif-9414	72	30	root	root	NOUN
ejif-9414	72	31	problems	problem	NOUN
ejif-9414	72	32	relating	relate	VERB
ejif-9414	72	33	to	to	ADP
ejif-9414	72	34	farming	farming	NOUN
ejif-9414	72	35	or	or	CCONJ
ejif-9414	72	36	agricultural	agricultural	ADJ
ejif-9414	72	37	financing.according	financing.accorde	VERB
ejif-9414	72	38	to	to	PART
ejif-9414	72	39	rohman	rohman	VERB
ejif-9414	72	40	et	et	PROPN
ejif-9414	72	41	al	al	PROPN
ejif-9414	72	42	(	(	PUNCT
ejif-9414	72	43	2021	2021	NUM
ejif-9414	72	44	)	)	PUNCT
ejif-9414	72	45	,	,	PUNCT
ejif-9414	72	46	such	such	ADJ
ejif-9414	72	47	services	service	NOUN
ejif-9414	72	48	include	include	VERB
ejif-9414	72	49	buying	buy	VERB
ejif-9414	72	50	and	and	CCONJ
ejif-9414	72	51	selling	selling	NOUN
ejif-9414	72	52	(	(	PUNCT
ejif-9414	72	53	bay’u	bay’u	NUM
ejif-9414	72	54	al	al	PROPN
ejif-9414	72	55	-	-	PUNCT
ejif-9414	72	56	murabaha	murabaha	NOUN
ejif-9414	72	57	)	)	PUNCT
ejif-9414	72	58	,	,	PUNCT
ejif-9414	72	59	business	business	NOUN
ejif-9414	72	60	cooperation	cooperation	NOUN
ejif-9414	72	61	(	(	PUNCT
ejif-9414	72	62	al	al	PROPN
ejif-9414	72	63	-	-	PUNCT
ejif-9414	72	64	musharakah	musharakah	PROPN
ejif-9414	72	65	,	,	PUNCT
ejif-9414	72	66	al	al	PROPN
ejif-9414	72	67	-	-	PUNCT
ejif-9414	72	68	mudharabah	mudharabah	NOUN
ejif-9414	72	69	)	)	PUNCT
ejif-9414	72	70	,	,	PUNCT
ejif-9414	72	71	lease	lease	NOUN
ejif-9414	72	72	-	-	PUNCT
ejif-9414	72	73	based	base	VERB
ejif-9414	72	74	(	(	PUNCT
ejif-9414	72	75	al	al	PROPN
ejif-9414	72	76	-	-	PUNCT
ejif-9414	72	77	ijarah	ijarah	PROPN
ejif-9414	72	78	)	)	PUNCT
ejif-9414	72	79	and	and	CCONJ
ejif-9414	72	80	interest	interest	NOUN
ejif-9414	72	81	-	-	PUNCT
ejif-9414	72	82	free	free	ADJ
ejif-9414	72	83	loans	loan	NOUN
ejif-9414	72	84	(	(	PUNCT
ejif-9414	72	85	qardh	qardh	PROPN
ejif-9414	72	86	al	al	PROPN
ejif-9414	72	87	-	-	PUNCT
ejif-9414	72	88	hasan	hasan	PROPN
ejif-9414	72	89	)	)	PUNCT
ejif-9414	72	90	.	.	PUNCT
ejif-9414	73	1	it	it	PRON
ejif-9414	73	2	is	be	AUX
ejif-9414	73	3	therefore	therefore	ADV
ejif-9414	73	4	advocated	advocate	VERB
ejif-9414	73	5	that	that	SCONJ
ejif-9414	73	6	islamic	islamic	ADJ
ejif-9414	73	7	microfinance	microfinance	NOUN
ejif-9414	73	8	institutions	institution	NOUN
ejif-9414	73	9	be	be	AUX
ejif-9414	73	10	situated	situate	VERB
ejif-9414	73	11	for	for	ADP
ejif-9414	73	12	operation	operation	NOUN
ejif-9414	73	13	in	in	ADP
ejif-9414	73	14	rural	rural	ADJ
ejif-9414	73	15	areas	area	NOUN
ejif-9414	73	16	to	to	PART
ejif-9414	73	17	boost	boost	VERB
ejif-9414	73	18	their	their	PRON
ejif-9414	73	19	productivity	productivity	NOUN
ejif-9414	73	20	and	and	CCONJ
ejif-9414	73	21	financial	financial	ADJ
ejif-9414	73	22	inclusion	inclusion	NOUN
ejif-9414	73	23	(	(	PUNCT
ejif-9414	73	24	al	al	PROPN
ejif-9414	73	25	-	-	PUNCT
ejif-9414	73	26	awlaqi	awlaqi	PROPN
ejif-9414	73	27	&	&	CCONJ
ejif-9414	73	28	aamer	aamer	PROPN
ejif-9414	73	29	,	,	PUNCT
ejif-9414	73	30	2019	2019	NUM
ejif-9414	73	31	)	)	PUNCT
ejif-9414	73	32	.	.	PUNCT
ejif-9414	74	1	this	this	PRON
ejif-9414	74	2	is	be	AUX
ejif-9414	74	3	necessary	necessary	ADJ
ejif-9414	74	4	to	to	PART
ejif-9414	74	5	alleviate	alleviate	VERB
ejif-9414	74	6	poverty	poverty	NOUN
ejif-9414	74	7	among	among	ADP
ejif-9414	74	8	people	people	NOUN
ejif-9414	74	9	in	in	ADP
ejif-9414	74	10	rural	rural	ADJ
ejif-9414	74	11	communities	community	NOUN
ejif-9414	74	12	,	,	PUNCT
ejif-9414	74	13	low	low	ADJ
ejif-9414	74	14	-	-	PUNCT
ejif-9414	74	15	income	income	NOUN
ejif-9414	74	16	earners	earner	NOUN
ejif-9414	74	17	,	,	PUNCT
ejif-9414	74	18	small	small	ADJ
ejif-9414	74	19	business	business	NOUN
ejif-9414	74	20	owners	owner	NOUN
ejif-9414	74	21	and	and	CCONJ
ejif-9414	74	22	petty	petty	ADJ
ejif-9414	74	23	traders	trader	NOUN
ejif-9414	74	24	(	(	PUNCT
ejif-9414	74	25	shaikh	shaikh	PROPN
ejif-9414	74	26	,	,	PUNCT
ejif-9414	74	27	2017	2017	NUM
ejif-9414	74	28	)	)	PUNCT
ejif-9414	74	29	.	.	PUNCT
ejif-9414	75	1	the	the	DET
ejif-9414	75	2	role	role	NOUN
ejif-9414	75	3	of	of	ADP
ejif-9414	75	4	islamic	islamic	ADJ
ejif-9414	75	5	microfinance	microfinance	NOUN
ejif-9414	75	6	in	in	ADP
ejif-9414	75	7	financial	financial	ADJ
ejif-9414	75	8	inclusion	inclusion	NOUN
ejif-9414	75	9	and	and	CCONJ
ejif-9414	75	10	poverty	poverty	NOUN
ejif-9414	75	11	alleviation	alleviation	NOUN
ejif-9414	75	12	was	be	AUX
ejif-9414	75	13	also	also	ADV
ejif-9414	75	14	buttressed	buttress	VERB
ejif-9414	75	15	by	by	ADP
ejif-9414	75	16	satar	satar	NOUN
ejif-9414	75	17	and	and	CCONJ
ejif-9414	75	18	kassim	kassim	PROPN
ejif-9414	75	19	(	(	PUNCT
ejif-9414	75	20	2020	2020	NUM
ejif-9414	75	21	)	)	PUNCT
ejif-9414	75	22	,	,	PUNCT
ejif-9414	75	23	who	who	PRON
ejif-9414	75	24	stated	state	VERB
ejif-9414	75	25	that	that	SCONJ
ejif-9414	75	26	islamic	islamic	ADJ
ejif-9414	75	27	microfinance	microfinance	NOUN
ejif-9414	75	28	is	be	AUX
ejif-9414	75	29	vital	vital	ADJ
ejif-9414	75	30	in	in	ADP
ejif-9414	75	31	enhancing	enhance	VERB
ejif-9414	75	32	financial	financial	ADJ
ejif-9414	75	33	inclusion	inclusion	NOUN
ejif-9414	75	34	among	among	ADP
ejif-9414	75	35	the	the	DET
ejif-9414	75	36	poor	poor	ADJ
ejif-9414	75	37	,	,	PUNCT
ejif-9414	75	38	particularly	particularly	ADV
ejif-9414	75	39	in	in	ADP
ejif-9414	75	40	muslim	muslim	ADJ
ejif-9414	75	41	countries	country	NOUN
ejif-9414	75	42	.	.	PUNCT
ejif-9414	76	1	islamic	islamic	ADJ
ejif-9414	76	2	microfinance	microfinance	NOUN
ejif-9414	76	3	institutions	institution	NOUN
ejif-9414	76	4	are	be	AUX
ejif-9414	76	5	in	in	ADP
ejif-9414	76	6	better	well	ADJ
ejif-9414	76	7	positions	position	NOUN
ejif-9414	76	8	for	for	ADP
ejif-9414	76	9	such	such	ADJ
ejif-9414	76	10	responsibilities	responsibility	NOUN
ejif-9414	76	11	due	due	ADJ
ejif-9414	76	12	to	to	ADP
ejif-9414	76	13	certain	certain	ADJ
ejif-9414	76	14	features	feature	NOUN
ejif-9414	76	15	like	like	ADP
ejif-9414	76	16	financial	financial	ADJ
ejif-9414	76	17	inclusion	inclusion	NOUN
ejif-9414	76	18	european	european	PROPN
ejif-9414	76	19	journal	journal	PROPN
ejif-9414	76	20	of	of	ADP
ejif-9414	76	21	islamic	islamic	PROPN
ejif-9414	76	22	finance	finance	PROPN
ejif-9414	76	23	issn	issn	PROPN
ejif-9414	76	24	:	:	PUNCT
ejif-9414	76	25	2421	2421	NUM
ejif-9414	76	26	-	-	SYM
ejif-9414	76	27	2172	2172	NUM
ejif-9414	76	28	doi	doi	NOUN
ejif-9414	76	29	:	:	PUNCT
ejif-9414	76	30	10.13135/2421	10.13135/2421	NUM
ejif-9414	76	31	-	-	SYM
ejif-9414	76	32	2172/9414	2172/9414	NUM
ejif-9414	76	33	published	publish	VERB
ejif-9414	76	34	by	by	ADP
ejif-9414	76	35	university	university	PROPN
ejif-9414	76	36	of	of	ADP
ejif-9414	76	37	turin	turin	PROPN
ejif-9414	77	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	77	2	ejif	ejif	PROPN
ejif-9414	77	3	content	content	NOUN
ejif-9414	77	4	is	be	AUX
ejif-9414	77	5	licensed	license	VERB
ejif-9414	77	6	under	under	ADP
ejif-9414	77	7	a	a	DET
ejif-9414	77	8	creative	creative	ADJ
ejif-9414	77	9	commons	common	NOUN
ejif-9414	77	10	attribution	attribution	NOUN
ejif-9414	77	11	4.0	4.0	NUM
ejif-9414	77	12	international	international	ADJ
ejif-9414	77	13	license	license	NOUN
ejif-9414	77	14	20	20	NUM
ejif-9414	77	15	focus	focus	NOUN
ejif-9414	77	16	,	,	PUNCT
ejif-9414	77	17	collateral	collateral	NOUN
ejif-9414	77	18	-	-	PUNCT
ejif-9414	77	19	free	free	ADJ
ejif-9414	77	20	loans	loan	NOUN
ejif-9414	77	21	and	and	CCONJ
ejif-9414	77	22	low	low	ADJ
ejif-9414	77	23	transaction	transaction	NOUN
ejif-9414	77	24	cost	cost	NOUN
ejif-9414	77	25	,	,	PUNCT
ejif-9414	77	26	which	which	PRON
ejif-9414	77	27	differentiate	differentiate	VERB
ejif-9414	77	28	them	they	PRON
ejif-9414	77	29	from	from	ADP
ejif-9414	77	30	other	other	ADJ
ejif-9414	77	31	types	type	NOUN
ejif-9414	77	32	of	of	ADP
ejif-9414	77	33	islamic	islamic	ADJ
ejif-9414	77	34	finance	finance	NOUN
ejif-9414	77	35	(	(	PUNCT
ejif-9414	77	36	widiarto	widiarto	PROPN
ejif-9414	77	37	&	&	CCONJ
ejif-9414	77	38	emrouznejad	emrouznejad	NOUN
ejif-9414	77	39	,	,	PUNCT
ejif-9414	77	40	2015	2015	NUM
ejif-9414	77	41	)	)	PUNCT
ejif-9414	77	42	.	.	PUNCT
ejif-9414	78	1	2.2.1	2.2.1	NUM
ejif-9414	78	2	islamic	islamic	ADJ
ejif-9414	78	3	microfinance	microfinance	NOUN
ejif-9414	78	4	structures	structure	NOUN
ejif-9414	78	5	global	global	ADJ
ejif-9414	78	6	islamic	islamic	PROPN
ejif-9414	78	7	finance	finance	PROPN
ejif-9414	78	8	report	report	NOUN
ejif-9414	78	9	(	(	PUNCT
ejif-9414	78	10	2012	2012	NUM
ejif-9414	78	11	)	)	PUNCT
ejif-9414	78	12	classified	classify	VERB
ejif-9414	78	13	islamic	islamic	ADJ
ejif-9414	78	14	microfinance	microfinance	NOUN
ejif-9414	78	15	products	product	NOUN
ejif-9414	78	16	into	into	ADP
ejif-9414	78	17	three	three	NUM
ejif-9414	78	18	structures	structure	NOUN
ejif-9414	78	19	:	:	PUNCT
ejif-9414	78	20	microcredit	microcredit	NOUN
ejif-9414	78	21	,	,	PUNCT
ejif-9414	78	22	microequity	microequity	NOUN
ejif-9414	78	23	,	,	PUNCT
ejif-9414	78	24	and	and	CCONJ
ejif-9414	78	25	charity	charity	NOUN
ejif-9414	78	26	.	.	PUNCT
ejif-9414	79	1	micro	micro	NOUN
ejif-9414	79	2	-	-	NOUN
ejif-9414	79	3	credit	credit	NOUN
ejif-9414	79	4	involves	involve	VERB
ejif-9414	79	5	using	use	VERB
ejif-9414	79	6	the	the	DET
ejif-9414	79	7	business	business	NOUN
ejif-9414	79	8	's	's	PART
ejif-9414	79	9	assets	asset	NOUN
ejif-9414	79	10	based	base	VERB
ejif-9414	79	11	on	on	ADP
ejif-9414	79	12	a	a	DET
ejif-9414	79	13	loan	loan	NOUN
ejif-9414	79	14	or	or	CCONJ
ejif-9414	79	15	lease	lease	NOUN
ejif-9414	79	16	,	,	PUNCT
ejif-9414	79	17	which	which	PRON
ejif-9414	79	18	absorbs	absorb	VERB
ejif-9414	79	19	the	the	DET
ejif-9414	79	20	insufficient	insufficient	ADJ
ejif-9414	79	21	funds	fund	NOUN
ejif-9414	79	22	when	when	SCONJ
ejif-9414	79	23	a	a	DET
ejif-9414	79	24	business	business	NOUN
ejif-9414	79	25	opportunity	opportunity	NOUN
ejif-9414	79	26	arises	arise	VERB
ejif-9414	79	27	.	.	PUNCT
ejif-9414	80	1	in	in	ADP
ejif-9414	80	2	the	the	DET
ejif-9414	80	3	case	case	NOUN
ejif-9414	80	4	of	of	ADP
ejif-9414	80	5	micro	micro	NOUN
ejif-9414	80	6	-	-	NOUN
ejif-9414	80	7	equity	equity	ADJ
ejif-9414	80	8	factors	factor	NOUN
ejif-9414	80	9	of	of	ADP
ejif-9414	80	10	production	production	NOUN
ejif-9414	80	11	are	be	AUX
ejif-9414	80	12	combined	combine	VERB
ejif-9414	80	13	in	in	ADP
ejif-9414	80	14	a	a	DET
ejif-9414	80	15	way	way	NOUN
ejif-9414	80	16	that	that	PRON
ejif-9414	80	17	will	will	AUX
ejif-9414	80	18	make	make	VERB
ejif-9414	80	19	it	it	PRON
ejif-9414	80	20	possible	possible	ADJ
ejif-9414	80	21	for	for	SCONJ
ejif-9414	80	22	the	the	DET
ejif-9414	80	23	profit	profit	NOUN
ejif-9414	80	24	or	or	CCONJ
ejif-9414	80	25	loss	loss	NOUN
ejif-9414	80	26	to	to	PART
ejif-9414	80	27	be	be	AUX
ejif-9414	80	28	shared	share	VERB
ejif-9414	80	29	in	in	ADP
ejif-9414	80	30	the	the	DET
ejif-9414	80	31	agreed	agree	VERB
ejif-9414	80	32	ratio	ratio	NOUN
ejif-9414	80	33	.	.	PUNCT
ejif-9414	81	1	the	the	DET
ejif-9414	81	2	charity	charity	NOUN
ejif-9414	81	3	type	type	NOUN
ejif-9414	81	4	of	of	ADP
ejif-9414	81	5	islamic	islamic	ADJ
ejif-9414	81	6	microfinance	microfinance	NOUN
ejif-9414	81	7	is	be	AUX
ejif-9414	81	8	when	when	SCONJ
ejif-9414	81	9	the	the	DET
ejif-9414	81	10	institution	institution	NOUN
ejif-9414	81	11	or	or	CCONJ
ejif-9414	81	12	arrangement	arrangement	NOUN
ejif-9414	81	13	becomes	become	VERB
ejif-9414	81	14	an	an	DET
ejif-9414	81	15	additional	additional	ADJ
ejif-9414	81	16	empowerment	empowerment	NOUN
ejif-9414	81	17	to	to	ADP
ejif-9414	81	18	people	people	NOUN
ejif-9414	81	19	for	for	ADP
ejif-9414	81	20	safety	safety	NOUN
ejif-9414	81	21	and	and	CCONJ
ejif-9414	81	22	sustainability	sustainability	NOUN
ejif-9414	81	23	purposes	purpose	NOUN
ejif-9414	81	24	(	(	PUNCT
ejif-9414	81	25	nabi	nabi	NOUN
ejif-9414	81	26	et	et	PROPN
ejif-9414	81	27	al	al	PROPN
ejif-9414	81	28	.	.	PROPN
ejif-9414	81	29	,	,	PUNCT
ejif-9414	81	30	2017	2017	NUM
ejif-9414	81	31	)	)	PUNCT
ejif-9414	81	32	.	.	PUNCT
ejif-9414	82	1	according	accord	VERB
ejif-9414	82	2	to	to	ADP
ejif-9414	82	3	usman	usman	PROPN
ejif-9414	82	4	and	and	CCONJ
ejif-9414	82	5	tasmin	tasmin	PROPN
ejif-9414	82	6	(	(	PUNCT
ejif-9414	82	7	2016	2016	NUM
ejif-9414	82	8	)	)	PUNCT
ejif-9414	82	9	,	,	PUNCT
ejif-9414	82	10	micro	micro	ADJ
ejif-9414	82	11	-	-	ADJ
ejif-9414	82	12	credit	credit	ADJ
ejif-9414	82	13	products	product	NOUN
ejif-9414	82	14	feature	feature	NOUN
ejif-9414	82	15	cards	card	NOUN
ejif-9414	82	16	al	al	PROPN
ejif-9414	82	17	-	-	PUNCT
ejif-9414	82	18	hasan	hasan	PROPN
ejif-9414	82	19	,	,	PUNCT
ejif-9414	82	20	murabaha	murabaha	NOUN
ejif-9414	82	21	,	,	PUNCT
ejif-9414	82	22	ijarah	ijarah	PROPN
ejif-9414	82	23	,	,	PUNCT
ejif-9414	82	24	and	and	CCONJ
ejif-9414	82	25	salam	salam	PROPN
ejif-9414	82	26	,	,	PUNCT
ejif-9414	82	27	among	among	ADP
ejif-9414	82	28	others	other	NOUN
ejif-9414	82	29	;	;	PUNCT
ejif-9414	82	30	micro	micro	ADJ
ejif-9414	82	31	-	-	NOUN
ejif-9414	82	32	equity	equity	ADJ
ejif-9414	82	33	transactions	transaction	NOUN
ejif-9414	82	34	come	come	VERB
ejif-9414	82	35	in	in	ADP
ejif-9414	82	36	the	the	DET
ejif-9414	82	37	form	form	NOUN
ejif-9414	82	38	of	of	ADP
ejif-9414	82	39	mudharaba	mudharaba	NOUN
ejif-9414	82	40	and	and	CCONJ
ejif-9414	82	41	musharakah	musharakah	PROPN
ejif-9414	82	42	,	,	PUNCT
ejif-9414	82	43	while	while	SCONJ
ejif-9414	82	44	charity	charity	NOUN
ejif-9414	82	45	usually	usually	ADV
ejif-9414	82	46	involves	involve	VERB
ejif-9414	82	47	zakat	zakat	NOUN
ejif-9414	82	48	,	,	PUNCT
ejif-9414	82	49	sadaqah	sadaqah	NOUN
ejif-9414	82	50	and	and	CCONJ
ejif-9414	82	51	waqf	waqf	NOUN
ejif-9414	82	52	.	.	PUNCT
ejif-9414	83	1	apart	apart	ADV
ejif-9414	83	2	from	from	ADP
ejif-9414	83	3	microcredit	microcredit	NOUN
ejif-9414	83	4	,	,	PUNCT
ejif-9414	83	5	micro	micro	ADJ
ejif-9414	83	6	equity	equity	NOUN
ejif-9414	83	7	and	and	CCONJ
ejif-9414	83	8	charity	charity	NOUN
ejif-9414	83	9	,	,	PUNCT
ejif-9414	83	10	which	which	PRON
ejif-9414	83	11	are	be	AUX
ejif-9414	83	12	the	the	DET
ejif-9414	83	13	main	main	ADJ
ejif-9414	83	14	financial	financial	ADJ
ejif-9414	83	15	services	service	NOUN
ejif-9414	83	16	,	,	PUNCT
ejif-9414	83	17	islamic	islamic	ADJ
ejif-9414	83	18	microfinance	microfinance	NOUN
ejif-9414	83	19	also	also	ADV
ejif-9414	83	20	provides	provide	VERB
ejif-9414	83	21	non	non	ADJ
ejif-9414	83	22	-	-	ADJ
ejif-9414	83	23	financial	financial	ADJ
ejif-9414	83	24	services	service	NOUN
ejif-9414	83	25	like	like	ADP
ejif-9414	83	26	sensitization	sensitization	NOUN
ejif-9414	83	27	on	on	ADP
ejif-9414	83	28	islamic	islamic	ADJ
ejif-9414	83	29	ethical	ethical	ADJ
ejif-9414	83	30	values	value	NOUN
ejif-9414	83	31	,	,	PUNCT
ejif-9414	83	32	which	which	PRON
ejif-9414	83	33	aims	aim	VERB
ejif-9414	83	34	at	at	ADP
ejif-9414	83	35	improving	improve	VERB
ejif-9414	83	36	knowledge	knowledge	NOUN
ejif-9414	83	37	of	of	ADP
ejif-9414	83	38	islamic	islamic	ADJ
ejif-9414	83	39	religion	religion	NOUN
ejif-9414	83	40	,	,	PUNCT
ejif-9414	83	41	islamic	islamic	ADJ
ejif-9414	83	42	economics	economic	NOUN
ejif-9414	83	43	and	and	CCONJ
ejif-9414	83	44	finance	finance	NOUN
ejif-9414	83	45	(	(	PUNCT
ejif-9414	83	46	senghor	senghor	NOUN
ejif-9414	83	47	,	,	PUNCT
ejif-9414	83	48	2023	2023	NUM
ejif-9414	83	49	)	)	PUNCT
ejif-9414	83	50	.	.	PUNCT
ejif-9414	84	1	2.2.2	2.2.2	NUM
ejif-9414	84	2	microcredit	microcredit	NOUN
ejif-9414	84	3	products	product	NOUN
ejif-9414	84	4	qardh	qardh	PROPN
ejif-9414	84	5	al	al	PROPN
ejif-9414	84	6	-	-	PUNCT
ejif-9414	84	7	hasan	hasan	PROPN
ejif-9414	84	8	is	be	AUX
ejif-9414	84	9	an	an	DET
ejif-9414	84	10	interest	interest	NOUN
ejif-9414	84	11	-	-	PUNCT
ejif-9414	84	12	free	free	ADJ
ejif-9414	84	13	loan	loan	NOUN
ejif-9414	84	14	that	that	PRON
ejif-9414	84	15	is	be	AUX
ejif-9414	84	16	usually	usually	ADV
ejif-9414	84	17	granted	grant	VERB
ejif-9414	84	18	to	to	PART
ejif-9414	84	19	accommodate	accommodate	VERB
ejif-9414	84	20	target	target	NOUN
ejif-9414	84	21	customers	customer	NOUN
ejif-9414	84	22	at	at	ADP
ejif-9414	84	23	times	time	NOUN
ejif-9414	84	24	of	of	ADP
ejif-9414	84	25	emergency	emergency	NOUN
ejif-9414	84	26	or	or	CCONJ
ejif-9414	84	27	shortage	shortage	NOUN
ejif-9414	84	28	of	of	ADP
ejif-9414	84	29	liquidity	liquidity	NOUN
ejif-9414	84	30	and	and	CCONJ
ejif-9414	84	31	fosters	foster	VERB
ejif-9414	84	32	good	good	ADJ
ejif-9414	84	33	relationships	relationship	NOUN
ejif-9414	84	34	between	between	ADP
ejif-9414	84	35	the	the	DET
ejif-9414	84	36	institutions	institution	NOUN
ejif-9414	84	37	and	and	CCONJ
ejif-9414	84	38	their	their	PRON
ejif-9414	84	39	customers	customer	NOUN
ejif-9414	84	40	(	(	PUNCT
ejif-9414	84	41	sadr	sadr	PROPN
ejif-9414	84	42	,	,	PUNCT
ejif-9414	84	43	2015	2015	NUM
ejif-9414	84	44	)	)	PUNCT
ejif-9414	84	45	.	.	PUNCT
ejif-9414	85	1	in	in	ADP
ejif-9414	85	2	murabaha	murabaha	NOUN
ejif-9414	85	3	,	,	PUNCT
ejif-9414	85	4	an	an	DET
ejif-9414	85	5	asset	asset	NOUN
ejif-9414	85	6	or	or	CCONJ
ejif-9414	85	7	a	a	DET
ejif-9414	85	8	product	product	NOUN
ejif-9414	85	9	is	be	AUX
ejif-9414	85	10	bought	buy	VERB
ejif-9414	85	11	by	by	ADP
ejif-9414	85	12	the	the	DET
ejif-9414	85	13	institution	institution	NOUN
ejif-9414	85	14	(	(	PUNCT
ejif-9414	85	15	such	such	ADJ
ejif-9414	85	16	as	as	ADP
ejif-9414	85	17	a	a	DET
ejif-9414	85	18	microfinance	microfinance	NOUN
ejif-9414	85	19	bank	bank	NOUN
ejif-9414	85	20	)	)	PUNCT
ejif-9414	85	21	and	and	CCONJ
ejif-9414	85	22	then	then	ADV
ejif-9414	85	23	sold	sell	VERB
ejif-9414	85	24	at	at	ADP
ejif-9414	85	25	the	the	DET
ejif-9414	85	26	cost	cost	NOUN
ejif-9414	85	27	-	-	PUNCT
ejif-9414	85	28	plus	plus	CCONJ
ejif-9414	85	29	profit	profit	NOUN
ejif-9414	85	30	element	element	NOUN
ejif-9414	85	31	to	to	ADP
ejif-9414	85	32	the	the	DET
ejif-9414	85	33	customer	customer	NOUN
ejif-9414	85	34	(	(	PUNCT
ejif-9414	85	35	ijaiya	ijaiya	NOUN
ejif-9414	85	36	et	et	PROPN
ejif-9414	85	37	al	al	PROPN
ejif-9414	85	38	.	.	PROPN
ejif-9414	85	39	,	,	PUNCT
ejif-9414	85	40	2021	2021	NUM
ejif-9414	85	41	)	)	PUNCT
ejif-9414	85	42	.	.	PUNCT
ejif-9414	86	1	in	in	ADP
ejif-9414	86	2	the	the	DET
ejif-9414	86	3	case	case	NOUN
ejif-9414	86	4	of	of	ADP
ejif-9414	86	5	ijarah	ijarah	PROPN
ejif-9414	86	6	,	,	PUNCT
ejif-9414	86	7	an	an	DET
ejif-9414	86	8	agreement	agreement	NOUN
ejif-9414	86	9	is	be	AUX
ejif-9414	86	10	reached	reach	VERB
ejif-9414	86	11	between	between	ADP
ejif-9414	86	12	the	the	DET
ejif-9414	86	13	owner	owner	NOUN
ejif-9414	86	14	or	or	CCONJ
ejif-9414	86	15	financier	financier	NOUN
ejif-9414	86	16	and	and	CCONJ
ejif-9414	86	17	the	the	DET
ejif-9414	86	18	user	user	NOUN
ejif-9414	86	19	to	to	PART
ejif-9414	86	20	transfer	transfer	VERB
ejif-9414	86	21	the	the	DET
ejif-9414	86	22	right	right	NOUN
ejif-9414	86	23	to	to	PART
ejif-9414	86	24	use	use	VERB
ejif-9414	86	25	an	an	DET
ejif-9414	86	26	asset	asset	NOUN
ejif-9414	86	27	for	for	ADP
ejif-9414	86	28	a	a	DET
ejif-9414	86	29	specified	specified	ADJ
ejif-9414	86	30	period	period	NOUN
ejif-9414	86	31	in	in	ADP
ejif-9414	86	32	return	return	NOUN
ejif-9414	86	33	for	for	ADP
ejif-9414	86	34	rental	rental	ADJ
ejif-9414	86	35	payments	payment	NOUN
ejif-9414	86	36	to	to	ADP
ejif-9414	86	37	the	the	DET
ejif-9414	86	38	asset	asset	NOUN
ejif-9414	86	39	owner	owner	NOUN
ejif-9414	86	40	(	(	PUNCT
ejif-9414	86	41	afkar	afkar	NOUN
ejif-9414	86	42	,	,	PUNCT
ejif-9414	86	43	2015	2015	NUM
ejif-9414	86	44	)	)	PUNCT
ejif-9414	86	45	.	.	PUNCT
ejif-9414	87	1	salam	salam	PROPN
ejif-9414	87	2	is	be	AUX
ejif-9414	87	3	another	another	DET
ejif-9414	87	4	islamic	islamic	ADJ
ejif-9414	87	5	finance	finance	NOUN
ejif-9414	87	6	contract	contract	NOUN
ejif-9414	87	7	that	that	SCONJ
ejif-9414	87	8	microfinance	microfinance	NOUN
ejif-9414	87	9	might	might	AUX
ejif-9414	87	10	adopt	adopt	VERB
ejif-9414	87	11	to	to	PART
ejif-9414	87	12	serve	serve	VERB
ejif-9414	87	13	small	small	ADJ
ejif-9414	87	14	-	-	PUNCT
ejif-9414	87	15	scale	scale	NOUN
ejif-9414	87	16	enterprises	enterprise	NOUN
ejif-9414	87	17	.	.	PUNCT
ejif-9414	88	1	it	it	PRON
ejif-9414	88	2	is	be	AUX
ejif-9414	88	3	an	an	DET
ejif-9414	88	4	agreement	agreement	NOUN
ejif-9414	88	5	to	to	PART
ejif-9414	88	6	sell	sell	VERB
ejif-9414	88	7	some	some	DET
ejif-9414	88	8	specified	specify	VERB
ejif-9414	88	9	goods	good	NOUN
ejif-9414	88	10	with	with	ADP
ejif-9414	88	11	known	know	VERB
ejif-9414	88	12	attributes	attribute	NOUN
ejif-9414	88	13	like	like	ADP
ejif-9414	88	14	quantity	quantity	NOUN
ejif-9414	88	15	and	and	CCONJ
ejif-9414	88	16	price	price	NOUN
ejif-9414	88	17	,	,	PUNCT
ejif-9414	88	18	which	which	PRON
ejif-9414	88	19	are	be	AUX
ejif-9414	88	20	expected	expect	VERB
ejif-9414	88	21	to	to	PART
ejif-9414	88	22	be	be	AUX
ejif-9414	88	23	paid	pay	VERB
ejif-9414	88	24	for	for	ADP
ejif-9414	88	25	at	at	ADP
ejif-9414	88	26	the	the	DET
ejif-9414	88	27	time	time	NOUN
ejif-9414	88	28	of	of	ADP
ejif-9414	88	29	the	the	DET
ejif-9414	88	30	contract	contract	NOUN
ejif-9414	88	31	but	but	CCONJ
ejif-9414	88	32	delivered	deliver	VERB
ejif-9414	88	33	at	at	ADP
ejif-9414	88	34	a	a	DET
ejif-9414	88	35	future	future	ADJ
ejif-9414	88	36	date	date	NOUN
ejif-9414	88	37	(	(	PUNCT
ejif-9414	88	38	ifsb	ifsb	NOUN
ejif-9414	88	39	,	,	PUNCT
ejif-9414	88	40	2018	2018	NUM
ejif-9414	88	41	)	)	PUNCT
ejif-9414	88	42	.	.	PUNCT
ejif-9414	89	1	2.2.3	2.2.3	NUM
ejif-9414	89	2	micro	micro	ADJ
ejif-9414	89	3	-	-	ADJ
ejif-9414	89	4	equity	equity	ADJ
ejif-9414	89	5	products	product	NOUN
ejif-9414	89	6	jimoh	jimoh	ADJ
ejif-9414	89	7	,	,	PUNCT
ejif-9414	89	8	attah	attah	PROPN
ejif-9414	89	9	and	and	CCONJ
ejif-9414	89	10	abdul	abdul	PROPN
ejif-9414	89	11	(	(	PUNCT
ejif-9414	89	12	2021	2021	NUM
ejif-9414	89	13	)	)	PUNCT
ejif-9414	89	14	view	view	NOUN
ejif-9414	89	15	mudharabah	mudharabah	NOUN
ejif-9414	89	16	as	as	ADP
ejif-9414	89	17	an	an	DET
ejif-9414	89	18	islamic	islamic	ADJ
ejif-9414	89	19	financial	financial	ADJ
ejif-9414	89	20	contract	contract	NOUN
ejif-9414	89	21	under	under	ADP
ejif-9414	89	22	which	which	PRON
ejif-9414	89	23	capital	capital	NOUN
ejif-9414	89	24	is	be	AUX
ejif-9414	89	25	entrusted	entrust	VERB
ejif-9414	89	26	to	to	ADP
ejif-9414	89	27	an	an	DET
ejif-9414	89	28	entrepreneur	entrepreneur	NOUN
ejif-9414	89	29	who	who	PRON
ejif-9414	89	30	invests	invest	VERB
ejif-9414	89	31	the	the	DET
ejif-9414	89	32	fund	fund	NOUN
ejif-9414	89	33	to	to	PART
ejif-9414	89	34	make	make	VERB
ejif-9414	89	35	a	a	DET
ejif-9414	89	36	profit	profit	NOUN
ejif-9414	89	37	,	,	PUNCT
ejif-9414	89	38	which	which	PRON
ejif-9414	89	39	is	be	AUX
ejif-9414	89	40	then	then	ADV
ejif-9414	89	41	shared	share	VERB
ejif-9414	89	42	between	between	ADP
ejif-9414	89	43	the	the	DET
ejif-9414	89	44	financier	financier	NOUN
ejif-9414	89	45	and	and	CCONJ
ejif-9414	89	46	the	the	DET
ejif-9414	89	47	entrepreneur	entrepreneur	NOUN
ejif-9414	89	48	.	.	PUNCT
ejif-9414	90	1	microfinance	microfinance	NOUN
ejif-9414	90	2	institutions	institution	NOUN
ejif-9414	90	3	can	can	AUX
ejif-9414	90	4	also	also	ADV
ejif-9414	90	5	make	make	VERB
ejif-9414	90	6	funds	fund	NOUN
ejif-9414	90	7	available	available	ADJ
ejif-9414	90	8	to	to	ADP
ejif-9414	90	9	small	small	ADJ
ejif-9414	90	10	business	business	NOUN
ejif-9414	90	11	owners	owner	NOUN
ejif-9414	90	12	to	to	PART
ejif-9414	90	13	boost	boost	VERB
ejif-9414	90	14	their	their	PRON
ejif-9414	90	15	businesses	business	NOUN
ejif-9414	90	16	while	while	SCONJ
ejif-9414	90	17	sharing	share	VERB
ejif-9414	90	18	profit	profit	NOUN
ejif-9414	90	19	.	.	PUNCT
ejif-9414	91	1	another	another	DET
ejif-9414	91	2	profit	profit	NOUN
ejif-9414	91	3	-	-	PUNCT
ejif-9414	91	4	sharing	sharing	NOUN
ejif-9414	91	5	-	-	PUNCT
ejif-9414	91	6	based	base	VERB
ejif-9414	91	7	micro	micro	NOUN
ejif-9414	91	8	-	-	ADJ
ejif-9414	91	9	equity	equity	ADJ
ejif-9414	91	10	product	product	NOUN
ejif-9414	91	11	is	be	AUX
ejif-9414	91	12	musharakah	musharakah	NOUN
ejif-9414	91	13	.	.	PUNCT
ejif-9414	92	1	according	accord	VERB
ejif-9414	92	2	to	to	ADP
ejif-9414	92	3	arshad	arshad	PROPN
ejif-9414	92	4	and	and	CCONJ
ejif-9414	92	5	ismail	ismail	PROPN
ejif-9414	92	6	(	(	PUNCT
ejif-9414	92	7	2010	2010	NUM
ejif-9414	92	8	)	)	PUNCT
ejif-9414	92	9	,	,	PUNCT
ejif-9414	92	10	musharakah	musharakah	PROPN
ejif-9414	92	11	represents	represent	VERB
ejif-9414	92	12	a	a	DET
ejif-9414	92	13	partnership	partnership	NOUN
ejif-9414	92	14	contract	contract	NOUN
ejif-9414	92	15	between	between	ADP
ejif-9414	92	16	two	two	NUM
ejif-9414	92	17	parties	party	NOUN
ejif-9414	92	18	that	that	PRON
ejif-9414	92	19	both	both	PRON
ejif-9414	92	20	contribute	contribute	VERB
ejif-9414	92	21	funds	fund	NOUN
ejif-9414	92	22	to	to	PART
ejif-9414	92	23	finance	finance	VERB
ejif-9414	92	24	an	an	DET
ejif-9414	92	25	identified	identify	VERB
ejif-9414	92	26	project	project	NOUN
ejif-9414	92	27	,	,	PUNCT
ejif-9414	92	28	and	and	CCONJ
ejif-9414	92	29	the	the	DET
ejif-9414	92	30	profit	profit	NOUN
ejif-9414	92	31	or	or	CCONJ
ejif-9414	92	32	loss	loss	NOUN
ejif-9414	92	33	is	be	AUX
ejif-9414	92	34	then	then	ADV
ejif-9414	92	35	shared	share	VERB
ejif-9414	92	36	between	between	ADP
ejif-9414	92	37	the	the	DET
ejif-9414	92	38	parties	party	NOUN
ejif-9414	92	39	.	.	PUNCT
ejif-9414	93	1	musharakah	musharakah	PROPN
ejif-9414	93	2	is	be	AUX
ejif-9414	93	3	also	also	ADV
ejif-9414	93	4	a	a	DET
ejif-9414	93	5	product	product	NOUN
ejif-9414	93	6	that	that	PRON
ejif-9414	93	7	might	might	AUX
ejif-9414	93	8	be	be	AUX
ejif-9414	93	9	suitable	suitable	ADJ
ejif-9414	93	10	for	for	ADP
ejif-9414	93	11	alleviating	alleviate	VERB
ejif-9414	93	12	poverty	poverty	NOUN
ejif-9414	93	13	among	among	ADP
ejif-9414	93	14	low	low	ADJ
ejif-9414	93	15	-	-	PUNCT
ejif-9414	93	16	income	income	NOUN
ejif-9414	93	17	earners	earner	NOUN
ejif-9414	93	18	and	and	CCONJ
ejif-9414	93	19	small	small	ADJ
ejif-9414	93	20	business	business	NOUN
ejif-9414	93	21	owners	owner	NOUN
ejif-9414	93	22	if	if	SCONJ
ejif-9414	93	23	properly	properly	ADV
ejif-9414	93	24	designed	design	VERB
ejif-9414	93	25	by	by	ADP
ejif-9414	93	26	microfinance	microfinance	NOUN
ejif-9414	93	27	institutions	institution	NOUN
ejif-9414	93	28	.	.	PUNCT
ejif-9414	94	1	2.2.4	2.2.4	NUM
ejif-9414	94	2	charitable	charitable	ADJ
ejif-9414	94	3	/	/	SYM
ejif-9414	94	4	social	social	ADJ
ejif-9414	94	5	finance	finance	NOUN
ejif-9414	94	6	products	product	NOUN
ejif-9414	94	7	ahmed	ahme	VERB
ejif-9414	94	8	(	(	PUNCT
ejif-9414	94	9	2007	2007	NUM
ejif-9414	94	10	)	)	PUNCT
ejif-9414	94	11	asserts	assert	VERB
ejif-9414	94	12	that	that	SCONJ
ejif-9414	94	13	sadaqah	sadaqah	NOUN
ejif-9414	94	14	,	,	PUNCT
ejif-9414	94	15	zakat	zakat	NOUN
ejif-9414	94	16	,	,	PUNCT
ejif-9414	94	17	and	and	CCONJ
ejif-9414	94	18	waqf	waqf	NOUN
ejif-9414	94	19	are	be	AUX
ejif-9414	94	20	some	some	PRON
ejif-9414	94	21	of	of	ADP
ejif-9414	94	22	the	the	DET
ejif-9414	94	23	instruments	instrument	NOUN
ejif-9414	94	24	that	that	PRON
ejif-9414	94	25	islam	islam	PROPN
ejif-9414	94	26	has	have	AUX
ejif-9414	94	27	instituted	institute	VERB
ejif-9414	94	28	to	to	PART
ejif-9414	94	29	redistribute	redistribute	VERB
ejif-9414	94	30	income	income	NOUN
ejif-9414	94	31	and	and	CCONJ
ejif-9414	94	32	wealth	wealth	NOUN
ejif-9414	94	33	and	and	CCONJ
ejif-9414	94	34	improve	improve	VERB
ejif-9414	94	35	people	people	NOUN
ejif-9414	94	36	’s	’s	PART
ejif-9414	94	37	welfare	welfare	NOUN
ejif-9414	94	38	in	in	ADP
ejif-9414	94	39	society	society	NOUN
ejif-9414	94	40	.	.	PUNCT
ejif-9414	95	1	zakat	zakat	PROPN
ejif-9414	95	2	is	be	AUX
ejif-9414	95	3	a	a	DET
ejif-9414	95	4	mechanism	mechanism	NOUN
ejif-9414	95	5	for	for	ADP
ejif-9414	95	6	redistributing	redistribute	VERB
ejif-9414	95	7	income	income	NOUN
ejif-9414	95	8	and	and	CCONJ
ejif-9414	95	9	wealth	wealth	NOUN
ejif-9414	95	10	by	by	ADP
ejif-9414	95	11	collecting	collect	VERB
ejif-9414	95	12	from	from	ADP
ejif-9414	95	13	the	the	DET
ejif-9414	95	14	rich	rich	ADJ
ejif-9414	95	15	and	and	CCONJ
ejif-9414	95	16	distributing	distribute	VERB
ejif-9414	95	17	to	to	ADP
ejif-9414	95	18	the	the	DET
ejif-9414	95	19	poor	poor	ADJ
ejif-9414	95	20	within	within	ADP
ejif-9414	95	21	the	the	DET
ejif-9414	95	22	society	society	NOUN
ejif-9414	95	23	to	to	PART
ejif-9414	95	24	reduce	reduce	VERB
ejif-9414	95	25	inequality	inequality	NOUN
ejif-9414	95	26	,	,	PUNCT
ejif-9414	95	27	foster	foster	ADJ
ejif-9414	95	28	socio	socio	NOUN
ejif-9414	95	29	-	-	PUNCT
ejif-9414	95	30	economic	economic	ADJ
ejif-9414	95	31	justice	justice	NOUN
ejif-9414	95	32	,	,	PUNCT
ejif-9414	95	33	and	and	CCONJ
ejif-9414	95	34	increase	increase	VERB
ejif-9414	95	35	economic	economic	ADJ
ejif-9414	95	36	growth	growth	NOUN
ejif-9414	95	37	(	(	PUNCT
ejif-9414	95	38	bilo	bilo	PROPN
ejif-9414	95	39	&	&	CCONJ
ejif-9414	95	40	machado	machado	PROPN
ejif-9414	95	41	,	,	PUNCT
ejif-9414	95	42	2020	2020	NUM
ejif-9414	95	43	;	;	PUNCT
ejif-9414	95	44	manurung	manurung	NOUN
ejif-9414	95	45	,	,	PUNCT
ejif-9414	95	46	2013	2013	NUM
ejif-9414	95	47	)	)	PUNCT
ejif-9414	95	48	.	.	PUNCT
ejif-9414	96	1	zakat	zakat	PROPN
ejif-9414	96	2	and	and	CCONJ
ejif-9414	96	3	sadaqah	sadaqah	PROPN
ejif-9414	96	4	are	be	AUX
ejif-9414	96	5	economic	economic	ADJ
ejif-9414	96	6	instruments	instrument	NOUN
ejif-9414	96	7	through	through	ADP
ejif-9414	96	8	which	which	PRON
ejif-9414	96	9	the	the	DET
ejif-9414	96	10	purchasing	purchase	VERB
ejif-9414	96	11	power	power	NOUN
ejif-9414	96	12	of	of	ADP
ejif-9414	96	13	the	the	DET
ejif-9414	96	14	needy	needy	NOUN
ejif-9414	96	15	is	be	AUX
ejif-9414	96	16	enhanced	enhance	VERB
ejif-9414	96	17	(	(	PUNCT
ejif-9414	96	18	widiastuti	widiastuti	PROPN
ejif-9414	96	19	et	et	PROPN
ejif-9414	96	20	al	al	PROPN
ejif-9414	96	21	.	.	PROPN
ejif-9414	96	22	,	,	PUNCT
ejif-9414	96	23	2021	2021	NUM
ejif-9414	96	24	)	)	PUNCT
ejif-9414	96	25	.	.	PUNCT
ejif-9414	97	1	waqf	waqf	NOUN
ejif-9414	97	2	is	be	AUX
ejif-9414	97	3	also	also	ADV
ejif-9414	97	4	a	a	DET
ejif-9414	97	5	social	social	ADJ
ejif-9414	97	6	financing	financing	NOUN
ejif-9414	97	7	instrument	instrument	NOUN
ejif-9414	97	8	entailing	entail	VERB
ejif-9414	97	9	the	the	DET
ejif-9414	97	10	donation	donation	NOUN
ejif-9414	97	11	of	of	ADP
ejif-9414	97	12	movable	movable	ADJ
ejif-9414	97	13	or	or	CCONJ
ejif-9414	97	14	immovable	immovable	ADJ
ejif-9414	97	15	assets	asset	NOUN
ejif-9414	97	16	by	by	ADP
ejif-9414	97	17	the	the	DET
ejif-9414	97	18	owner	owner	NOUN
ejif-9414	97	19	for	for	ADP
ejif-9414	97	20	perpetual	perpetual	ADJ
ejif-9414	97	21	socio	socio	NOUN
ejif-9414	97	22	-	-	PUNCT
ejif-9414	97	23	economic	economic	ADJ
ejif-9414	97	24	benefits	benefit	NOUN
ejif-9414	97	25	of	of	ADP
ejif-9414	97	26	the	the	DET
ejif-9414	97	27	community	community	NOUN
ejif-9414	97	28	(	(	PUNCT
ejif-9414	97	29	widiastuti	widiastuti	PROPN
ejif-9414	97	30	et	et	PROPN
ejif-9414	97	31	al	al	PROPN
ejif-9414	97	32	.	.	PROPN
ejif-9414	97	33	,	,	PUNCT
ejif-9414	97	34	2022	2022	NUM
ejif-9414	97	35	)	)	PUNCT
ejif-9414	97	36	.	.	PUNCT
ejif-9414	98	1	waqf	waqf	ADJ
ejif-9414	98	2	funds	fund	NOUN
ejif-9414	98	3	can	can	AUX
ejif-9414	98	4	be	be	AUX
ejif-9414	98	5	made	make	VERB
ejif-9414	98	6	available	available	ADJ
ejif-9414	98	7	for	for	ADP
ejif-9414	98	8	the	the	DET
ejif-9414	98	9	construction	construction	NOUN
ejif-9414	98	10	of	of	ADP
ejif-9414	98	11	mosques	mosque	NOUN
ejif-9414	98	12	,	,	PUNCT
ejif-9414	98	13	schools	school	NOUN
ejif-9414	98	14	,	,	PUNCT
ejif-9414	98	15	hospitals	hospital	NOUN
ejif-9414	98	16	and	and	CCONJ
ejif-9414	98	17	other	other	ADJ
ejif-9414	98	18	social	social	ADJ
ejif-9414	98	19	amenities	amenity	NOUN
ejif-9414	98	20	and	and	CCONJ
ejif-9414	98	21	infrastructural	infrastructural	ADJ
ejif-9414	98	22	developments	development	NOUN
ejif-9414	98	23	(	(	PUNCT
ejif-9414	98	24	sukmana	sukmana	ADJ
ejif-9414	98	25	,	,	PUNCT
ejif-9414	98	26	2020	2020	NUM
ejif-9414	98	27	)	)	PUNCT
ejif-9414	98	28	.	.	PUNCT
ejif-9414	99	1	it	it	PRON
ejif-9414	99	2	is	be	AUX
ejif-9414	99	3	an	an	DET
ejif-9414	99	4	islamic	islamic	ADJ
ejif-9414	99	5	economic	economic	ADJ
ejif-9414	99	6	european	european	PROPN
ejif-9414	99	7	journal	journal	PROPN
ejif-9414	99	8	of	of	ADP
ejif-9414	99	9	islamic	islamic	PROPN
ejif-9414	99	10	finance	finance	PROPN
ejif-9414	99	11	issn	issn	PROPN
ejif-9414	99	12	:	:	PUNCT
ejif-9414	99	13	2421	2421	NUM
ejif-9414	99	14	-	-	SYM
ejif-9414	99	15	2172	2172	NUM
ejif-9414	99	16	doi	doi	NOUN
ejif-9414	99	17	:	:	PUNCT
ejif-9414	99	18	10.13135/2421	10.13135/2421	NUM
ejif-9414	99	19	-	-	SYM
ejif-9414	99	20	2172/9414	2172/9414	NUM
ejif-9414	99	21	published	publish	VERB
ejif-9414	99	22	by	by	ADP
ejif-9414	99	23	university	university	PROPN
ejif-9414	99	24	of	of	ADP
ejif-9414	99	25	turin	turin	PROPN
ejif-9414	100	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	100	2	ejif	ejif	PROPN
ejif-9414	100	3	content	content	NOUN
ejif-9414	100	4	is	be	AUX
ejif-9414	100	5	licensed	license	VERB
ejif-9414	100	6	under	under	ADP
ejif-9414	100	7	a	a	DET
ejif-9414	100	8	creative	creative	ADJ
ejif-9414	100	9	commons	common	NOUN
ejif-9414	100	10	attribution	attribution	NOUN
ejif-9414	100	11	4.0	4.0	NUM
ejif-9414	100	12	international	international	ADJ
ejif-9414	100	13	license	license	NOUN
ejif-9414	100	14	21	21	NUM
ejif-9414	100	15	tool	tool	NOUN
ejif-9414	100	16	that	that	PRON
ejif-9414	100	17	can	can	AUX
ejif-9414	100	18	respond	respond	VERB
ejif-9414	100	19	to	to	ADP
ejif-9414	100	20	the	the	DET
ejif-9414	100	21	economic	economic	ADJ
ejif-9414	100	22	needs	need	NOUN
ejif-9414	100	23	of	of	ADP
ejif-9414	100	24	the	the	DET
ejif-9414	100	25	poor	poor	ADJ
ejif-9414	100	26	and	and	CCONJ
ejif-9414	100	27	the	the	DET
ejif-9414	100	28	poorest	poor	ADJ
ejif-9414	100	29	communities	community	NOUN
ejif-9414	100	30	,	,	PUNCT
ejif-9414	100	31	thereby	thereby	ADV
ejif-9414	100	32	promoting	promote	VERB
ejif-9414	100	33	economic	economic	ADJ
ejif-9414	100	34	growth	growth	NOUN
ejif-9414	100	35	(	(	PUNCT
ejif-9414	100	36	widiastuti	widiastuti	PROPN
ejif-9414	100	37	et	et	PROPN
ejif-9414	100	38	al	al	PROPN
ejif-9414	100	39	.	.	PROPN
ejif-9414	100	40	,	,	PUNCT
ejif-9414	100	41	2022	2022	NUM
ejif-9414	100	42	)	)	PUNCT
ejif-9414	100	43	.	.	PUNCT
ejif-9414	101	1	structuring	structure	VERB
ejif-9414	101	2	micro	micro	NOUN
ejif-9414	101	3	-	-	NOUN
ejif-9414	101	4	credit	credit	ADJ
ejif-9414	101	5	,	,	PUNCT
ejif-9414	101	6	micro	micro	NOUN
ejif-9414	101	7	-	-	NOUN
ejif-9414	101	8	equity	equity	NOUN
ejif-9414	101	9	,	,	PUNCT
ejif-9414	101	10	and	and	CCONJ
ejif-9414	101	11	social	social	ADJ
ejif-9414	101	12	finance	finance	NOUN
ejif-9414	101	13	products	product	NOUN
ejif-9414	101	14	under	under	ADP
ejif-9414	101	15	different	different	ADJ
ejif-9414	101	16	models	model	NOUN
ejif-9414	101	17	of	of	ADP
ejif-9414	101	18	islamic	islamic	ADJ
ejif-9414	101	19	microfinancing	microfinancing	NOUN
ejif-9414	101	20	tends	tend	VERB
ejif-9414	101	21	to	to	PART
ejif-9414	101	22	boost	boost	VERB
ejif-9414	101	23	financial	financial	ADJ
ejif-9414	101	24	inclusion	inclusion	NOUN
ejif-9414	101	25	and	and	CCONJ
ejif-9414	101	26	alleviate	alleviate	VERB
ejif-9414	101	27	poverty	poverty	NOUN
ejif-9414	101	28	in	in	ADP
ejif-9414	101	29	society	society	NOUN
ejif-9414	101	30	.	.	PUNCT
ejif-9414	102	1	2.2.5	2.2.5	NUM
ejif-9414	102	2	models	model	NOUN
ejif-9414	102	3	for	for	ADP
ejif-9414	102	4	islamic	islamic	ADJ
ejif-9414	102	5	microfinancing	microfinancing	PROPN
ejif-9414	102	6	nabi	nabi	PROPN
ejif-9414	102	7	et	et	PROPN
ejif-9414	102	8	al	al	PROPN
ejif-9414	102	9	.	.	PROPN
ejif-9414	102	10	(	(	PUNCT
ejif-9414	102	11	2017	2017	NUM
ejif-9414	102	12	)	)	PUNCT
ejif-9414	102	13	noted	note	VERB
ejif-9414	102	14	that	that	SCONJ
ejif-9414	102	15	islamic	islamic	ADJ
ejif-9414	102	16	microfinance	microfinance	NOUN
ejif-9414	102	17	has	have	VERB
ejif-9414	102	18	some	some	DET
ejif-9414	102	19	inclusive	inclusive	ADJ
ejif-9414	102	20	models	model	NOUN
ejif-9414	102	21	to	to	PART
ejif-9414	102	22	cater	cater	VERB
ejif-9414	102	23	for	for	ADP
ejif-9414	102	24	small	small	ADJ
ejif-9414	102	25	-	-	PUNCT
ejif-9414	102	26	scale	scale	NOUN
ejif-9414	102	27	businesses	business	NOUN
ejif-9414	102	28	and	and	CCONJ
ejif-9414	102	29	the	the	DET
ejif-9414	102	30	poor	poor	ADJ
ejif-9414	102	31	depending	depend	VERB
ejif-9414	102	32	on	on	ADP
ejif-9414	102	33	the	the	DET
ejif-9414	102	34	poverty	poverty	NOUN
ejif-9414	102	35	level	level	NOUN
ejif-9414	102	36	.	.	PUNCT
ejif-9414	103	1	the	the	DET
ejif-9414	103	2	two	two	NUM
ejif-9414	103	3	financing	financing	NOUN
ejif-9414	103	4	models	model	NOUN
ejif-9414	103	5	are	be	AUX
ejif-9414	103	6	charity	charity	NOUN
ejif-9414	103	7	-	-	PUNCT
ejif-9414	103	8	based	base	VERB
ejif-9414	103	9	and	and	CCONJ
ejif-9414	103	10	profit	profit	NOUN
ejif-9414	103	11	-	-	PUNCT
ejif-9414	103	12	based	base	VERB
ejif-9414	103	13	models	model	NOUN
ejif-9414	103	14	.	.	PUNCT
ejif-9414	104	1	the	the	DET
ejif-9414	104	2	charitybased	charitybase	VERB
ejif-9414	104	3	model	model	NOUN
ejif-9414	104	4	comprises	comprise	VERB
ejif-9414	104	5	zakat	zakat	NOUN
ejif-9414	104	6	,	,	PUNCT
ejif-9414	104	7	sadaqa	sadaqa	NOUN
ejif-9414	104	8	,	,	PUNCT
ejif-9414	104	9	and	and	CCONJ
ejif-9414	104	10	qard	qard	PROPN
ejif-9414	104	11	al	al	PROPN
ejif-9414	104	12	-	-	PUNCT
ejif-9414	104	13	hasan	hasan	PROPN
ejif-9414	104	14	,	,	PUNCT
ejif-9414	104	15	which	which	PRON
ejif-9414	104	16	serve	serve	VERB
ejif-9414	104	17	the	the	DET
ejif-9414	104	18	extreme	extreme	ADJ
ejif-9414	104	19	and	and	CCONJ
ejif-9414	104	20	marginal	marginal	ADJ
ejif-9414	104	21	poor	poor	ADJ
ejif-9414	104	22	just	just	ADV
ejif-9414	104	23	above	above	ADP
ejif-9414	104	24	the	the	DET
ejif-9414	104	25	poverty	poverty	NOUN
ejif-9414	104	26	line	line	NOUN
ejif-9414	104	27	.	.	PUNCT
ejif-9414	105	1	according	accord	VERB
ejif-9414	105	2	to	to	ADP
ejif-9414	105	3	obaidullah	obaidullah	PROPN
ejif-9414	105	4	(	(	PUNCT
ejif-9414	105	5	2008	2008	NUM
ejif-9414	105	6	)	)	PUNCT
ejif-9414	105	7	,	,	PUNCT
ejif-9414	105	8	the	the	DET
ejif-9414	105	9	charity	charity	NOUN
ejif-9414	105	10	-	-	PUNCT
ejif-9414	105	11	based	base	VERB
ejif-9414	105	12	model	model	NOUN
ejif-9414	105	13	that	that	PRON
ejif-9414	105	14	includes	include	VERB
ejif-9414	105	15	zakat	zakat	NOUN
ejif-9414	105	16	,	,	PUNCT
ejif-9414	105	17	sadaqa	sadaqa	NOUN
ejif-9414	105	18	and	and	CCONJ
ejif-9414	105	19	waqf	waqf	NOUN
ejif-9414	105	20	is	be	AUX
ejif-9414	105	21	designed	design	VERB
ejif-9414	105	22	for	for	ADP
ejif-9414	105	23	the	the	DET
ejif-9414	105	24	extremely	extremely	ADV
ejif-9414	105	25	poor	poor	ADJ
ejif-9414	105	26	,	,	PUNCT
ejif-9414	105	27	while	while	SCONJ
ejif-9414	105	28	charity	charity	NOUN
ejif-9414	105	29	based	base	VERB
ejif-9414	105	30	on	on	ADP
ejif-9414	105	31	zakat	zakat	NOUN
ejif-9414	105	32	,	,	PUNCT
ejif-9414	105	33	waqf	waqf	NOUN
ejif-9414	105	34	and	and	CCONJ
ejif-9414	105	35	qard	qard	PROPN
ejif-9414	105	36	al	al	PROPN
ejif-9414	105	37	-	-	PUNCT
ejif-9414	105	38	hasan	hasan	PROPN
ejif-9414	105	39	is	be	AUX
ejif-9414	105	40	meant	mean	VERB
ejif-9414	105	41	for	for	ADP
ejif-9414	105	42	the	the	DET
ejif-9414	105	43	marginal	marginal	ADJ
ejif-9414	105	44	poor	poor	NOUN
ejif-9414	105	45	who	who	PRON
ejif-9414	105	46	are	be	AUX
ejif-9414	105	47	fairly	fairly	ADV
ejif-9414	105	48	above	above	ADP
ejif-9414	105	49	the	the	DET
ejif-9414	105	50	poverty	poverty	NOUN
ejif-9414	105	51	line	line	NOUN
ejif-9414	105	52	.	.	PUNCT
ejif-9414	106	1	the	the	DET
ejif-9414	106	2	profit	profit	NOUN
ejif-9414	106	3	-	-	PUNCT
ejif-9414	106	4	based	base	VERB
ejif-9414	106	5	microfinancing	microfinancing	NOUN
ejif-9414	106	6	model	model	NOUN
ejif-9414	106	7	,	,	PUNCT
ejif-9414	106	8	however	however	ADV
ejif-9414	106	9	,	,	PUNCT
ejif-9414	106	10	consists	consist	VERB
ejif-9414	106	11	of	of	ADP
ejif-9414	106	12	qard	qard	PROPN
ejif-9414	106	13	al	al	PROPN
ejif-9414	106	14	-	-	PUNCT
ejif-9414	106	15	hasan	hasan	PROPN
ejif-9414	106	16	and	and	CCONJ
ejif-9414	106	17	commercial	commercial	ADJ
ejif-9414	106	18	funds	fund	NOUN
ejif-9414	106	19	to	to	PART
ejif-9414	106	20	serve	serve	VERB
ejif-9414	106	21	the	the	DET
ejif-9414	106	22	needs	need	NOUN
ejif-9414	106	23	of	of	ADP
ejif-9414	106	24	low	low	ADJ
ejif-9414	106	25	-	-	PUNCT
ejif-9414	106	26	income	income	NOUN
ejif-9414	106	27	earners	earner	NOUN
ejif-9414	106	28	(	(	PUNCT
ejif-9414	106	29	nabi	nabi	X
ejif-9414	106	30	et	et	PROPN
ejif-9414	106	31	al	al	PROPN
ejif-9414	106	32	.	.	PROPN
ejif-9414	106	33	,	,	PUNCT
ejif-9414	106	34	2017	2017	NUM
ejif-9414	106	35	)	)	PUNCT
ejif-9414	106	36	.	.	PUNCT
ejif-9414	107	1	establishing	establish	VERB
ejif-9414	107	2	islamic	islamic	ADJ
ejif-9414	107	3	microfinance	microfinance	NOUN
ejif-9414	107	4	institutions	institution	NOUN
ejif-9414	107	5	with	with	ADP
ejif-9414	107	6	models	model	NOUN
ejif-9414	107	7	similar	similar	ADJ
ejif-9414	107	8	to	to	ADP
ejif-9414	107	9	these	these	PRON
ejif-9414	107	10	could	could	AUX
ejif-9414	107	11	increase	increase	VERB
ejif-9414	107	12	financial	financial	ADJ
ejif-9414	107	13	inclusion	inclusion	NOUN
ejif-9414	107	14	and	and	CCONJ
ejif-9414	107	15	address	address	VERB
ejif-9414	107	16	the	the	DET
ejif-9414	107	17	poverty	poverty	NOUN
ejif-9414	107	18	level	level	NOUN
ejif-9414	107	19	in	in	ADP
ejif-9414	107	20	society	society	NOUN
ejif-9414	107	21	.	.	PUNCT
ejif-9414	108	1	2.3	2.3	NUM
ejif-9414	108	2	concept	concept	NOUN
ejif-9414	108	3	of	of	ADP
ejif-9414	108	4	poverty	poverty	NOUN
ejif-9414	108	5	rothman	rothman	PROPN
ejif-9414	108	6	(	(	PUNCT
ejif-9414	108	7	2013	2013	NUM
ejif-9414	108	8	)	)	PUNCT
ejif-9414	108	9	defined	define	VERB
ejif-9414	108	10	poverty	poverty	NOUN
ejif-9414	108	11	as	as	ADP
ejif-9414	108	12	the	the	DET
ejif-9414	108	13	condition	condition	NOUN
ejif-9414	108	14	of	of	ADP
ejif-9414	108	15	not	not	PART
ejif-9414	108	16	having	have	VERB
ejif-9414	108	17	sufficient	sufficient	ADJ
ejif-9414	108	18	or	or	CCONJ
ejif-9414	108	19	adequate	adequate	ADJ
ejif-9414	108	20	money	money	NOUN
ejif-9414	108	21	or	or	CCONJ
ejif-9414	108	22	other	other	ADJ
ejif-9414	108	23	resources	resource	NOUN
ejif-9414	108	24	to	to	PART
ejif-9414	108	25	meet	meet	VERB
ejif-9414	108	26	the	the	DET
ejif-9414	108	27	basic	basic	ADJ
ejif-9414	108	28	needs	need	NOUN
ejif-9414	108	29	of	of	ADP
ejif-9414	108	30	human	human	ADJ
ejif-9414	108	31	beings	being	NOUN
ejif-9414	108	32	.	.	PUNCT
ejif-9414	109	1	it	it	PRON
ejif-9414	109	2	is	be	AUX
ejif-9414	109	3	an	an	DET
ejif-9414	109	4	economic	economic	ADJ
ejif-9414	109	5	state	state	NOUN
ejif-9414	109	6	where	where	SCONJ
ejif-9414	109	7	an	an	DET
ejif-9414	109	8	individual	individual	NOUN
ejif-9414	109	9	or	or	CCONJ
ejif-9414	109	10	household	household	NOUN
ejif-9414	109	11	can	can	AUX
ejif-9414	109	12	not	not	PART
ejif-9414	109	13	adequately	adequately	ADV
ejif-9414	109	14	cater	cater	VERB
ejif-9414	109	15	to	to	ADP
ejif-9414	109	16	basic	basic	ADJ
ejif-9414	109	17	needs	need	NOUN
ejif-9414	109	18	such	such	ADJ
ejif-9414	109	19	as	as	ADP
ejif-9414	109	20	food	food	NOUN
ejif-9414	109	21	,	,	PUNCT
ejif-9414	109	22	clothing	clothing	NOUN
ejif-9414	109	23	,	,	PUNCT
ejif-9414	109	24	shelter	shelter	NOUN
ejif-9414	109	25	,	,	PUNCT
ejif-9414	109	26	and	and	CCONJ
ejif-9414	109	27	other	other	ADJ
ejif-9414	109	28	socio	socio	NOUN
ejif-9414	109	29	-	-	PUNCT
ejif-9414	109	30	economic	economic	ADJ
ejif-9414	109	31	obligations	obligation	NOUN
ejif-9414	109	32	(	(	PUNCT
ejif-9414	109	33	okpora	okpora	PROPN
ejif-9414	109	34	,	,	PUNCT
ejif-9414	109	35	2010	2010	NUM
ejif-9414	109	36	)	)	PUNCT
ejif-9414	109	37	.	.	PUNCT
ejif-9414	110	1	poverty	poverty	NOUN
ejif-9414	110	2	is	be	AUX
ejif-9414	110	3	multidimensional	multidimensional	ADJ
ejif-9414	110	4	in	in	ADP
ejif-9414	110	5	nature	nature	NOUN
ejif-9414	110	6	,	,	PUNCT
ejif-9414	110	7	and	and	CCONJ
ejif-9414	110	8	different	different	ADJ
ejif-9414	110	9	definitions	definition	NOUN
ejif-9414	110	10	could	could	AUX
ejif-9414	110	11	be	be	AUX
ejif-9414	110	12	provided	provide	VERB
ejif-9414	110	13	in	in	ADP
ejif-9414	110	14	line	line	NOUN
ejif-9414	110	15	with	with	ADP
ejif-9414	110	16	those	those	DET
ejif-9414	110	17	dimensions	dimension	NOUN
ejif-9414	110	18	.	.	PUNCT
ejif-9414	111	1	gweshengwe	gweshengwe	PROPN
ejif-9414	111	2	and	and	CCONJ
ejif-9414	111	3	hassan	hassan	PROPN
ejif-9414	111	4	(	(	PUNCT
ejif-9414	111	5	2020	2020	NUM
ejif-9414	111	6	)	)	PUNCT
ejif-9414	111	7	identified	identify	VERB
ejif-9414	111	8	poverty	poverty	NOUN
ejif-9414	111	9	's	's	PART
ejif-9414	111	10	financial	financial	ADJ
ejif-9414	111	11	,	,	PUNCT
ejif-9414	111	12	economic	economic	ADJ
ejif-9414	111	13	and	and	CCONJ
ejif-9414	111	14	material	material	NOUN
ejif-9414	111	15	dimensions	dimension	NOUN
ejif-9414	111	16	.	.	PUNCT
ejif-9414	112	1	according	accord	VERB
ejif-9414	112	2	to	to	ADP
ejif-9414	112	3	banerjee	banerjee	PROPN
ejif-9414	112	4	(	(	PUNCT
ejif-9414	112	5	2016	2016	NUM
ejif-9414	112	6	)	)	PUNCT
ejif-9414	112	7	,	,	PUNCT
ejif-9414	112	8	the	the	DET
ejif-9414	112	9	financial	financial	ADJ
ejif-9414	112	10	dimension	dimension	NOUN
ejif-9414	112	11	of	of	ADP
ejif-9414	112	12	poverty	poverty	NOUN
ejif-9414	112	13	has	have	VERB
ejif-9414	112	14	to	to	PART
ejif-9414	112	15	do	do	VERB
ejif-9414	112	16	with	with	ADP
ejif-9414	112	17	having	have	VERB
ejif-9414	112	18	no	no	DET
ejif-9414	112	19	income	income	NOUN
ejif-9414	112	20	at	at	ADV
ejif-9414	112	21	all	all	ADV
ejif-9414	112	22	or	or	CCONJ
ejif-9414	112	23	one	one	NUM
ejif-9414	112	24	that	that	PRON
ejif-9414	112	25	falls	fall	VERB
ejif-9414	112	26	below	below	ADP
ejif-9414	112	27	a	a	DET
ejif-9414	112	28	country	country	NOUN
ejif-9414	112	29	's	's	PART
ejif-9414	112	30	minimum	minimum	ADJ
ejif-9414	112	31	wage	wage	NOUN
ejif-9414	112	32	,	,	PUNCT
ejif-9414	112	33	coupled	couple	VERB
ejif-9414	112	34	with	with	ADP
ejif-9414	112	35	a	a	DET
ejif-9414	112	36	lack	lack	NOUN
ejif-9414	112	37	of	of	ADP
ejif-9414	112	38	access	access	NOUN
ejif-9414	112	39	to	to	ADP
ejif-9414	112	40	credit	credit	NOUN
ejif-9414	112	41	from	from	ADP
ejif-9414	112	42	financial	financial	ADJ
ejif-9414	112	43	institutions	institution	NOUN
ejif-9414	112	44	.	.	PUNCT
ejif-9414	113	1	poverty	poverty	NOUN
ejif-9414	113	2	is	be	AUX
ejif-9414	113	3	defined	define	VERB
ejif-9414	113	4	in	in	ADP
ejif-9414	113	5	the	the	DET
ejif-9414	113	6	economic	economic	ADJ
ejif-9414	113	7	dimension	dimension	NOUN
ejif-9414	113	8	when	when	SCONJ
ejif-9414	113	9	the	the	DET
ejif-9414	113	10	resources	resource	NOUN
ejif-9414	113	11	required	require	VERB
ejif-9414	113	12	to	to	PART
ejif-9414	113	13	have	have	VERB
ejif-9414	113	14	a	a	DET
ejif-9414	113	15	decent	decent	ADJ
ejif-9414	113	16	life	life	NOUN
ejif-9414	113	17	and	and	CCONJ
ejif-9414	113	18	good	good	ADJ
ejif-9414	113	19	standard	standard	NOUN
ejif-9414	113	20	of	of	ADP
ejif-9414	113	21	living	living	NOUN
ejif-9414	113	22	are	be	AUX
ejif-9414	113	23	not	not	PART
ejif-9414	113	24	available	available	ADJ
ejif-9414	113	25	(	(	PUNCT
ejif-9414	113	26	sida	sida	PROPN
ejif-9414	113	27	,	,	PUNCT
ejif-9414	113	28	2017	2017	NUM
ejif-9414	113	29	)	)	PUNCT
ejif-9414	113	30	.	.	PUNCT
ejif-9414	114	1	regarding	regard	VERB
ejif-9414	114	2	the	the	DET
ejif-9414	114	3	material	material	ADJ
ejif-9414	114	4	dimension	dimension	NOUN
ejif-9414	114	5	of	of	ADP
ejif-9414	114	6	poverty	poverty	NOUN
ejif-9414	114	7	,	,	PUNCT
ejif-9414	114	8	it	it	PRON
ejif-9414	114	9	clarifies	clarify	VERB
ejif-9414	114	10	that	that	SCONJ
ejif-9414	114	11	people	people	NOUN
ejif-9414	114	12	’s	’s	PART
ejif-9414	114	13	living	living	NOUN
ejif-9414	114	14	conditions	condition	NOUN
ejif-9414	114	15	are	be	AUX
ejif-9414	114	16	characterized	characterize	VERB
ejif-9414	114	17	by	by	ADP
ejif-9414	114	18	material	material	NOUN
ejif-9414	114	19	deprivation	deprivation	NOUN
ejif-9414	114	20	,	,	PUNCT
ejif-9414	114	21	such	such	ADJ
ejif-9414	114	22	as	as	ADP
ejif-9414	114	23	having	have	VERB
ejif-9414	114	24	primarily	primarily	ADV
ejif-9414	114	25	low	low	ADJ
ejif-9414	114	26	-	-	PUNCT
ejif-9414	114	27	quality	quality	NOUN
ejif-9414	114	28	goods	good	NOUN
ejif-9414	114	29	and	and	CCONJ
ejif-9414	114	30	services	service	NOUN
ejif-9414	114	31	(	(	PUNCT
ejif-9414	114	32	terraneo	terraneo	NOUN
ejif-9414	114	33	,	,	PUNCT
ejif-9414	114	34	2017	2017	NUM
ejif-9414	114	35	)	)	PUNCT
ejif-9414	114	36	.	.	PUNCT
ejif-9414	115	1	poverty	poverty	NOUN
ejif-9414	115	2	is	be	AUX
ejif-9414	115	3	also	also	ADV
ejif-9414	115	4	defined	define	VERB
ejif-9414	115	5	from	from	ADP
ejif-9414	115	6	social	social	ADJ
ejif-9414	115	7	,	,	PUNCT
ejif-9414	115	8	seasonal	seasonal	ADJ
ejif-9414	115	9	,	,	PUNCT
ejif-9414	115	10	and	and	CCONJ
ejif-9414	115	11	environmental	environmental	ADJ
ejif-9414	115	12	dimensions	dimension	NOUN
ejif-9414	115	13	(	(	PUNCT
ejif-9414	115	14	gweshengwe	gweshengwe	PROPN
ejif-9414	115	15	&	&	CCONJ
ejif-9414	115	16	hassan	hassan	PROPN
ejif-9414	115	17	,	,	PUNCT
ejif-9414	115	18	2020	2020	NUM
ejif-9414	115	19	)	)	PUNCT
ejif-9414	115	20	.	.	PUNCT
ejif-9414	116	1	dogarawa	dogarawa	PROPN
ejif-9414	116	2	(	(	PUNCT
ejif-9414	116	3	2008	2008	NUM
ejif-9414	116	4	)	)	PUNCT
ejif-9414	116	5	observed	observe	VERB
ejif-9414	116	6	that	that	SCONJ
ejif-9414	116	7	despite	despite	SCONJ
ejif-9414	116	8	having	have	VERB
ejif-9414	116	9	a	a	DET
ejif-9414	116	10	large	large	ADJ
ejif-9414	116	11	deposit	deposit	NOUN
ejif-9414	116	12	of	of	ADP
ejif-9414	116	13	natural	natural	ADJ
ejif-9414	116	14	gas	gas	NOUN
ejif-9414	116	15	and	and	CCONJ
ejif-9414	116	16	crude	crude	ADJ
ejif-9414	116	17	oil	oil	NOUN
ejif-9414	116	18	,	,	PUNCT
ejif-9414	116	19	nigeria	nigeria	PROPN
ejif-9414	116	20	is	be	AUX
ejif-9414	116	21	still	still	ADV
ejif-9414	116	22	among	among	ADP
ejif-9414	116	23	the	the	DET
ejif-9414	116	24	world	world	NOUN
ejif-9414	116	25	’s	’s	PART
ejif-9414	116	26	20	20	NUM
ejif-9414	116	27	poorest	poor	ADJ
ejif-9414	116	28	nations	nation	NOUN
ejif-9414	116	29	,	,	PUNCT
ejif-9414	116	30	with	with	ADP
ejif-9414	116	31	many	many	ADJ
ejif-9414	116	32	living	live	VERB
ejif-9414	116	33	in	in	ADP
ejif-9414	116	34	extreme	extreme	ADJ
ejif-9414	116	35	poverty	poverty	NOUN
ejif-9414	116	36	.	.	PUNCT
ejif-9414	117	1	this	this	PRON
ejif-9414	117	2	could	could	AUX
ejif-9414	117	3	be	be	AUX
ejif-9414	117	4	explained	explain	VERB
ejif-9414	117	5	by	by	ADP
ejif-9414	117	6	a	a	DET
ejif-9414	117	7	lack	lack	NOUN
ejif-9414	117	8	of	of	ADP
ejif-9414	117	9	access	access	NOUN
ejif-9414	117	10	to	to	ADP
ejif-9414	117	11	funding	funding	NOUN
ejif-9414	117	12	to	to	PART
ejif-9414	117	13	meet	meet	VERB
ejif-9414	117	14	the	the	DET
ejif-9414	117	15	basic	basic	ADJ
ejif-9414	117	16	necessities	necessity	NOUN
ejif-9414	117	17	of	of	ADP
ejif-9414	117	18	life	life	NOUN
ejif-9414	117	19	(	(	PUNCT
ejif-9414	117	20	onakoyo	onakoyo	NOUN
ejif-9414	117	21	&	&	CCONJ
ejif-9414	117	22	onakoya	onakoya	NOUN
ejif-9414	117	23	,	,	PUNCT
ejif-9414	117	24	2013	2013	NUM
ejif-9414	117	25	)	)	PUNCT
ejif-9414	117	26	.	.	PUNCT
ejif-9414	118	1	despite	despite	SCONJ
ejif-9414	118	2	efforts	effort	NOUN
ejif-9414	118	3	to	to	PART
ejif-9414	118	4	lower	lower	VERB
ejif-9414	118	5	the	the	DET
ejif-9414	118	6	nation	nation	NOUN
ejif-9414	118	7	’s	’s	PART
ejif-9414	118	8	poverty	poverty	NOUN
ejif-9414	118	9	rate	rate	NOUN
ejif-9414	118	10	over	over	ADP
ejif-9414	118	11	the	the	DET
ejif-9414	118	12	years	year	NOUN
ejif-9414	118	13	,	,	PUNCT
ejif-9414	118	14	the	the	DET
ejif-9414	118	15	situation	situation	NOUN
ejif-9414	118	16	remained	remain	VERB
ejif-9414	118	17	mostly	mostly	ADV
ejif-9414	118	18	unchanged	unchanged	ADJ
ejif-9414	118	19	.	.	PUNCT
ejif-9414	119	1	for	for	ADP
ejif-9414	119	2	instance	instance	NOUN
ejif-9414	119	3	,	,	PUNCT
ejif-9414	119	4	the	the	DET
ejif-9414	119	5	nbs	nbs	PROPN
ejif-9414	119	6	data	data	PROPN
ejif-9414	119	7	from	from	ADP
ejif-9414	119	8	202	202	NUM
ejif-9414	119	9	states	state	NOUN
ejif-9414	119	10	that	that	SCONJ
ejif-9414	119	11	40.10	40.10	NUM
ejif-9414	119	12	%	%	NOUN
ejif-9414	119	13	of	of	ADP
ejif-9414	119	14	nigerians	nigerians	PROPN
ejif-9414	119	15	are	be	AUX
ejif-9414	119	16	still	still	ADV
ejif-9414	119	17	living	live	VERB
ejif-9414	119	18	in	in	ADP
ejif-9414	119	19	poverty	poverty	NOUN
ejif-9414	119	20	.	.	PUNCT
ejif-9414	120	1	2.4	2.4	NUM
ejif-9414	120	2	islamic	islamic	ADJ
ejif-9414	120	3	microfinance	microfinance	NOUN
ejif-9414	120	4	and	and	CCONJ
ejif-9414	120	5	poverty	poverty	NOUN
ejif-9414	120	6	alleviation	alleviation	NOUN
ejif-9414	120	7	islamic	islamic	ADJ
ejif-9414	120	8	microfinance	microfinance	NOUN
ejif-9414	120	9	has	have	VERB
ejif-9414	120	10	enormous	enormous	ADJ
ejif-9414	120	11	potential	potential	NOUN
ejif-9414	120	12	to	to	PART
ejif-9414	120	13	reduce	reduce	VERB
ejif-9414	120	14	poverty	poverty	NOUN
ejif-9414	120	15	since	since	SCONJ
ejif-9414	120	16	its	its	PRON
ejif-9414	120	17	shariah	shariah	PROPN
ejif-9414	120	18	-	-	PUNCT
ejif-9414	120	19	compliant	compliant	ADJ
ejif-9414	120	20	products	product	NOUN
ejif-9414	120	21	can	can	AUX
ejif-9414	120	22	be	be	AUX
ejif-9414	120	23	utilized	utilize	VERB
ejif-9414	120	24	as	as	ADP
ejif-9414	120	25	a	a	DET
ejif-9414	120	26	financial	financial	ADJ
ejif-9414	120	27	inclusion	inclusion	NOUN
ejif-9414	120	28	strategy	strategy	NOUN
ejif-9414	120	29	to	to	PART
ejif-9414	120	30	reach	reach	VERB
ejif-9414	120	31	the	the	DET
ejif-9414	120	32	underprivileged	underprivileged	ADJ
ejif-9414	120	33	who	who	PRON
ejif-9414	120	34	can	can	AUX
ejif-9414	120	35	not	not	PART
ejif-9414	120	36	access	access	VERB
ejif-9414	120	37	credit	credit	NOUN
ejif-9414	120	38	,	,	PUNCT
ejif-9414	120	39	particularly	particularly	ADV
ejif-9414	120	40	in	in	ADP
ejif-9414	120	41	rural	rural	ADJ
ejif-9414	120	42	areas	area	NOUN
ejif-9414	120	43	.	.	PUNCT
ejif-9414	121	1	according	accord	VERB
ejif-9414	121	2	to	to	ADP
ejif-9414	121	3	haneef	haneef	PROPN
ejif-9414	121	4	et	et	PROPN
ejif-9414	121	5	al	al	PROPN
ejif-9414	121	6	.	.	PROPN
ejif-9414	122	1	(	(	PUNCT
ejif-9414	122	2	2015	2015	NUM
ejif-9414	122	3	)	)	PUNCT
ejif-9414	122	4	,	,	PUNCT
ejif-9414	122	5	islamic	islamic	ADJ
ejif-9414	122	6	microfinance	microfinance	NOUN
ejif-9414	122	7	institutions	institution	NOUN
ejif-9414	122	8	do	do	AUX
ejif-9414	122	9	not	not	PART
ejif-9414	122	10	require	require	VERB
ejif-9414	122	11	collateral	collateral	NOUN
ejif-9414	122	12	,	,	PUNCT
ejif-9414	122	13	so	so	SCONJ
ejif-9414	122	14	they	they	PRON
ejif-9414	122	15	have	have	VERB
ejif-9414	122	16	greater	great	ADJ
ejif-9414	122	17	potential	potential	NOUN
ejif-9414	122	18	to	to	PART
ejif-9414	122	19	help	help	VERB
ejif-9414	122	20	poor	poor	ADJ
ejif-9414	122	21	people	people	NOUN
ejif-9414	122	22	through	through	ADP
ejif-9414	122	23	services	service	NOUN
ejif-9414	122	24	like	like	ADP
ejif-9414	122	25	qard	qard	PROPN
ejif-9414	122	26	hasan	hasan	PROPN
ejif-9414	122	27	(	(	PUNCT
ejif-9414	122	28	interest	interest	NOUN
ejif-9414	122	29	-	-	PUNCT
ejif-9414	122	30	free	free	ADJ
ejif-9414	122	31	loans	loan	NOUN
ejif-9414	122	32	)	)	PUNCT
ejif-9414	122	33	and	and	CCONJ
ejif-9414	122	34	profit	profit	NOUN
ejif-9414	122	35	-	-	PUNCT
ejif-9414	122	36	loss	loss	NOUN
ejif-9414	122	37	sharing	sharing	NOUN
ejif-9414	122	38	plans	plan	NOUN
ejif-9414	122	39	based	base	VERB
ejif-9414	122	40	on	on	ADP
ejif-9414	122	41	contracts	contract	NOUN
ejif-9414	122	42	like	like	ADP
ejif-9414	122	43	mudharabah	mudharabah	NOUN
ejif-9414	122	44	.	.	PUNCT
ejif-9414	123	1	islamic	islamic	ADJ
ejif-9414	123	2	microfinance	microfinance	NOUN
ejif-9414	123	3	has	have	VERB
ejif-9414	123	4	a	a	DET
ejif-9414	123	5	comparative	comparative	ADJ
ejif-9414	123	6	advantage	advantage	NOUN
ejif-9414	123	7	over	over	ADP
ejif-9414	123	8	conventional	conventional	ADJ
ejif-9414	123	9	finance	finance	NOUN
ejif-9414	123	10	,	,	PUNCT
ejif-9414	123	11	according	accord	VERB
ejif-9414	123	12	to	to	ADP
ejif-9414	123	13	siddiqi	siddiqi	PROPN
ejif-9414	123	14	(	(	PUNCT
ejif-9414	123	15	2002	2002	NUM
ejif-9414	123	16	)	)	PUNCT
ejif-9414	123	17	.	.	PUNCT
ejif-9414	124	1	this	this	PRON
ejif-9414	124	2	is	be	AUX
ejif-9414	124	3	because	because	SCONJ
ejif-9414	124	4	shariah	shariah	PROPN
ejif-9414	124	5	-	-	PUNCT
ejif-9414	124	6	compliant	compliant	ADJ
ejif-9414	124	7	products	product	NOUN
ejif-9414	124	8	ensure	ensure	VERB
ejif-9414	124	9	a	a	DET
ejif-9414	124	10	close	close	ADJ
ejif-9414	124	11	link	link	NOUN
ejif-9414	124	12	between	between	ADP
ejif-9414	124	13	islamic	islamic	ADJ
ejif-9414	124	14	finance	finance	NOUN
ejif-9414	124	15	and	and	CCONJ
ejif-9414	124	16	real	real	ADJ
ejif-9414	124	17	economic	economic	ADJ
ejif-9414	124	18	activities	activity	NOUN
ejif-9414	124	19	,	,	PUNCT
ejif-9414	124	20	which	which	PRON
ejif-9414	124	21	adds	add	VERB
ejif-9414	124	22	value	value	NOUN
ejif-9414	124	23	to	to	ADP
ejif-9414	124	24	financial	financial	ADJ
ejif-9414	124	25	activities	activity	NOUN
ejif-9414	124	26	.	.	PUNCT
ejif-9414	125	1	more	more	ADJ
ejif-9414	125	2	jobs	job	NOUN
ejif-9414	125	3	will	will	AUX
ejif-9414	125	4	be	be	AUX
ejif-9414	125	5	created	create	VERB
ejif-9414	125	6	,	,	PUNCT
ejif-9414	125	7	which	which	PRON
ejif-9414	125	8	will	will	AUX
ejif-9414	125	9	majorly	majorly	ADV
ejif-9414	125	10	influence	influence	VERB
ejif-9414	125	11	unemployment	unemployment	NOUN
ejif-9414	125	12	and	and	CCONJ
ejif-9414	125	13	a	a	DET
ejif-9414	125	14	long	long	ADJ
ejif-9414	125	15	-	-	PUNCT
ejif-9414	125	16	term	term	NOUN
ejif-9414	125	17	impact	impact	NOUN
ejif-9414	125	18	on	on	ADP
ejif-9414	125	19	economic	economic	ADJ
ejif-9414	125	20	growth	growth	NOUN
ejif-9414	125	21	and	and	CCONJ
ejif-9414	125	22	development	development	NOUN
ejif-9414	125	23	(	(	PUNCT
ejif-9414	125	24	onakoya	onakoya	PROPN
ejif-9414	125	25	&	&	CCONJ
ejif-9414	125	26	onakoya,2013	onakoya,2013	PROPN
ejif-9414	125	27	)	)	PUNCT
ejif-9414	125	28	.	.	PUNCT
ejif-9414	126	1	also	also	ADV
ejif-9414	126	2	,	,	PUNCT
ejif-9414	126	3	asyraf	asyraf	NOUN
ejif-9414	126	4	(	(	PUNCT
ejif-9414	126	5	2010	2010	NUM
ejif-9414	126	6	)	)	PUNCT
ejif-9414	126	7	sees	see	VERB
ejif-9414	126	8	islamic	islamic	ADJ
ejif-9414	126	9	microfinance	microfinance	NOUN
ejif-9414	126	10	as	as	ADP
ejif-9414	126	11	an	an	DET
ejif-9414	126	12	alternative	alternative	ADJ
ejif-9414	126	13	tool	tool	NOUN
ejif-9414	126	14	for	for	ADP
ejif-9414	126	15	addressing	address	VERB
ejif-9414	126	16	the	the	DET
ejif-9414	126	17	poverty	poverty	NOUN
ejif-9414	126	18	level	level	NOUN
ejif-9414	126	19	among	among	ADP
ejif-9414	126	20	poor	poor	ADJ
ejif-9414	126	21	muslims	muslim	NOUN
ejif-9414	126	22	since	since	SCONJ
ejif-9414	126	23	conventional	conventional	ADJ
ejif-9414	126	24	microfinance	microfinance	NOUN
ejif-9414	126	25	schemes	scheme	NOUN
ejif-9414	126	26	have	have	AUX
ejif-9414	126	27	failed	fail	VERB
ejif-9414	126	28	to	to	PART
ejif-9414	126	29	achieve	achieve	VERB
ejif-9414	126	30	the	the	DET
ejif-9414	126	31	same	same	ADJ
ejif-9414	126	32	due	due	ADJ
ejif-9414	126	33	to	to	ADP
ejif-9414	126	34	challenges	challenge	NOUN
ejif-9414	126	35	of	of	ADP
ejif-9414	126	36	religious	religious	ADJ
ejif-9414	126	37	restriction	restriction	NOUN
ejif-9414	126	38	and	and	CCONJ
ejif-9414	126	39	interest	interest	NOUN
ejif-9414	126	40	cost	cost	NOUN
ejif-9414	126	41	of	of	ADP
ejif-9414	126	42	credit	credit	NOUN
ejif-9414	126	43	.	.	PUNCT
ejif-9414	127	1	alaro	alaro	NOUN
ejif-9414	127	2	and	and	CCONJ
ejif-9414	127	3	alalubosa	alalubosa	NOUN
ejif-9414	127	4	(	(	PUNCT
ejif-9414	127	5	2019	2019	NUM
ejif-9414	127	6	)	)	PUNCT
ejif-9414	127	7	european	european	ADJ
ejif-9414	127	8	journal	journal	PROPN
ejif-9414	127	9	of	of	ADP
ejif-9414	127	10	islamic	islamic	PROPN
ejif-9414	127	11	finance	finance	PROPN
ejif-9414	127	12	issn	issn	PROPN
ejif-9414	127	13	:	:	PUNCT
ejif-9414	127	14	2421	2421	NUM
ejif-9414	127	15	-	-	SYM
ejif-9414	127	16	2172	2172	NUM
ejif-9414	127	17	doi	doi	NOUN
ejif-9414	127	18	:	:	PUNCT
ejif-9414	127	19	10.13135/2421	10.13135/2421	NUM
ejif-9414	127	20	-	-	SYM
ejif-9414	127	21	2172/9414	2172/9414	NUM
ejif-9414	127	22	published	publish	VERB
ejif-9414	127	23	by	by	ADP
ejif-9414	127	24	university	university	PROPN
ejif-9414	127	25	of	of	ADP
ejif-9414	127	26	turin	turin	PROPN
ejif-9414	128	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	128	2	ejif	ejif	PROPN
ejif-9414	128	3	content	content	NOUN
ejif-9414	128	4	is	be	AUX
ejif-9414	128	5	licensed	license	VERB
ejif-9414	128	6	under	under	ADP
ejif-9414	128	7	a	a	DET
ejif-9414	128	8	creative	creative	ADJ
ejif-9414	128	9	commons	common	NOUN
ejif-9414	128	10	attribution	attribution	NOUN
ejif-9414	128	11	4.0	4.0	NUM
ejif-9414	128	12	international	international	ADJ
ejif-9414	128	13	license	license	NOUN
ejif-9414	128	14	22	22	NUM
ejif-9414	128	15	assert	assert	VERB
ejif-9414	128	16	that	that	SCONJ
ejif-9414	128	17	,	,	PUNCT
ejif-9414	128	18	with	with	ADP
ejif-9414	128	19	the	the	DET
ejif-9414	128	20	instrumentality	instrumentality	NOUN
ejif-9414	128	21	of	of	ADP
ejif-9414	128	22	islamic	islamic	ADJ
ejif-9414	128	23	microfinance	microfinance	NOUN
ejif-9414	128	24	,	,	PUNCT
ejif-9414	128	25	poverty	poverty	NOUN
ejif-9414	128	26	could	could	AUX
ejif-9414	128	27	finally	finally	ADV
ejif-9414	128	28	be	be	AUX
ejif-9414	128	29	eradicated	eradicate	VERB
ejif-9414	128	30	in	in	ADP
ejif-9414	128	31	nigeria	nigeria	PROPN
ejif-9414	128	32	.	.	PUNCT
ejif-9414	129	1	similarly	similarly	ADV
ejif-9414	129	2	,	,	PUNCT
ejif-9414	129	3	dhaoui	dhaoui	X
ejif-9414	129	4	(	(	PUNCT
ejif-9414	129	5	2015	2015	NUM
ejif-9414	129	6	)	)	PUNCT
ejif-9414	129	7	states	state	VERB
ejif-9414	129	8	that	that	SCONJ
ejif-9414	129	9	islamic	islamic	ADJ
ejif-9414	129	10	microfinance	microfinance	NOUN
ejif-9414	129	11	,	,	PUNCT
ejif-9414	129	12	a	a	DET
ejif-9414	129	13	shari’ah	shari’ah	NOUN
ejif-9414	129	14	-	-	PUNCT
ejif-9414	129	15	compliant	compliant	ADJ
ejif-9414	129	16	manner	manner	NOUN
ejif-9414	129	17	of	of	ADP
ejif-9414	129	18	providing	provide	VERB
ejif-9414	129	19	finance	finance	NOUN
ejif-9414	129	20	to	to	ADP
ejif-9414	129	21	the	the	DET
ejif-9414	129	22	marginally	marginally	ADV
ejif-9414	129	23	poor	poor	ADJ
ejif-9414	129	24	for	for	ADP
ejif-9414	129	25	their	their	PRON
ejif-9414	129	26	business	business	NOUN
ejif-9414	129	27	,	,	PUNCT
ejif-9414	129	28	is	be	AUX
ejif-9414	129	29	one	one	NUM
ejif-9414	129	30	of	of	ADP
ejif-9414	129	31	the	the	DET
ejif-9414	129	32	poverty	poverty	NOUN
ejif-9414	129	33	alleviation	alleviation	NOUN
ejif-9414	129	34	schemes	scheme	NOUN
ejif-9414	129	35	used	use	VERB
ejif-9414	129	36	to	to	PART
ejif-9414	129	37	empower	empower	VERB
ejif-9414	129	38	the	the	DET
ejif-9414	129	39	poor	poor	ADJ
ejif-9414	129	40	and	and	CCONJ
ejif-9414	129	41	boost	boost	VERB
ejif-9414	129	42	their	their	PRON
ejif-9414	129	43	productivity	productivity	NOUN
ejif-9414	129	44	.	.	PUNCT
ejif-9414	130	1	however	however	ADV
ejif-9414	130	2	,	,	PUNCT
ejif-9414	130	3	mohamed	mohamed	PROPN
ejif-9414	130	4	and	and	CCONJ
ejif-9414	130	5	fauziyyah	fauziyyah	PROPN
ejif-9414	130	6	(	(	PUNCT
ejif-9414	130	7	2020	2020	NUM
ejif-9414	130	8	)	)	PUNCT
ejif-9414	130	9	opine	opine	VERB
ejif-9414	130	10	that	that	SCONJ
ejif-9414	130	11	determining	determine	VERB
ejif-9414	130	12	whether	whether	SCONJ
ejif-9414	130	13	islamic	islamic	ADJ
ejif-9414	130	14	microfinance	microfinance	NOUN
ejif-9414	130	15	could	could	AUX
ejif-9414	130	16	effectively	effectively	ADV
ejif-9414	130	17	reduce	reduce	VERB
ejif-9414	130	18	poverty	poverty	NOUN
ejif-9414	130	19	or	or	CCONJ
ejif-9414	130	20	improve	improve	VERB
ejif-9414	130	21	people	people	NOUN
ejif-9414	130	22	's	's	PART
ejif-9414	130	23	living	living	NOUN
ejif-9414	130	24	standards	standard	NOUN
ejif-9414	130	25	requires	require	VERB
ejif-9414	130	26	assessing	assess	VERB
ejif-9414	130	27	the	the	DET
ejif-9414	130	28	scheme	scheme	NOUN
ejif-9414	130	29	's	's	PART
ejif-9414	130	30	impact	impact	NOUN
ejif-9414	130	31	on	on	ADP
ejif-9414	130	32	their	their	PRON
ejif-9414	130	33	social	social	ADJ
ejif-9414	130	34	and	and	CCONJ
ejif-9414	130	35	economic	economic	ADJ
ejif-9414	130	36	wellbeing	wellbeing	NOUN
ejif-9414	130	37	.	.	PUNCT
ejif-9414	131	1	although	although	SCONJ
ejif-9414	131	2	islamic	islamic	ADJ
ejif-9414	131	3	microfinance	microfinance	NOUN
ejif-9414	131	4	has	have	VERB
ejif-9414	131	5	yet	yet	ADV
ejif-9414	131	6	to	to	PART
ejif-9414	131	7	be	be	AUX
ejif-9414	131	8	formally	formally	ADV
ejif-9414	131	9	adopted	adopt	VERB
ejif-9414	131	10	in	in	ADP
ejif-9414	131	11	nigeria	nigeria	PROPN
ejif-9414	131	12	,	,	PUNCT
ejif-9414	131	13	its	its	PRON
ejif-9414	131	14	potential	potential	NOUN
ejif-9414	131	15	for	for	ADP
ejif-9414	131	16	alleviating	alleviate	VERB
ejif-9414	131	17	poverty	poverty	NOUN
ejif-9414	131	18	among	among	ADP
ejif-9414	131	19	the	the	DET
ejif-9414	131	20	poor	poor	ADJ
ejif-9414	131	21	and	and	CCONJ
ejif-9414	131	22	small	small	ADJ
ejif-9414	131	23	business	business	NOUN
ejif-9414	131	24	owners	owner	NOUN
ejif-9414	131	25	could	could	AUX
ejif-9414	131	26	be	be	AUX
ejif-9414	131	27	evaluated	evaluate	VERB
ejif-9414	131	28	(	(	PUNCT
ejif-9414	131	29	onakoya	onakoya	NOUN
ejif-9414	131	30	&	&	CCONJ
ejif-9414	131	31	onakoya	onakoya	NOUN
ejif-9414	131	32	,	,	PUNCT
ejif-9414	131	33	2013	2013	NUM
ejif-9414	131	34	)	)	PUNCT
ejif-9414	131	35	.	.	PUNCT
ejif-9414	132	1	it	it	PRON
ejif-9414	132	2	is	be	AUX
ejif-9414	132	3	therefore	therefore	ADV
ejif-9414	132	4	necessary	necessary	ADJ
ejif-9414	132	5	to	to	PART
ejif-9414	132	6	assess	assess	VERB
ejif-9414	132	7	islamic	islamic	ADJ
ejif-9414	132	8	microfinance	microfinance	NOUN
ejif-9414	132	9	as	as	ADP
ejif-9414	132	10	a	a	DET
ejif-9414	132	11	tool	tool	NOUN
ejif-9414	132	12	for	for	ADP
ejif-9414	132	13	poverty	poverty	NOUN
ejif-9414	132	14	alleviation	alleviation	NOUN
ejif-9414	132	15	in	in	ADP
ejif-9414	132	16	nigeria	nigeria	PROPN
ejif-9414	132	17	.	.	PUNCT
ejif-9414	133	1	2.5	2.5	NUM
ejif-9414	133	2	theory	theory	NOUN
ejif-9414	133	3	of	of	ADP
ejif-9414	133	4	vicious	vicious	ADJ
ejif-9414	133	5	cycle	cycle	NOUN
ejif-9414	133	6	of	of	ADP
ejif-9414	133	7	poverty	poverty	NOUN
ejif-9414	133	8	the	the	DET
ejif-9414	133	9	vicious	vicious	ADJ
ejif-9414	133	10	cycle	cycle	NOUN
ejif-9414	133	11	of	of	ADP
ejif-9414	133	12	poverty	poverty	NOUN
ejif-9414	133	13	theory	theory	NOUN
ejif-9414	133	14	was	be	AUX
ejif-9414	133	15	propounded	propound	VERB
ejif-9414	133	16	by	by	ADP
ejif-9414	133	17	nurkse	nurkse	NOUN
ejif-9414	133	18	(	(	PUNCT
ejif-9414	133	19	1953	1953	NUM
ejif-9414	133	20	)	)	PUNCT
ejif-9414	133	21	as	as	ADP
ejif-9414	133	22	a	a	DET
ejif-9414	133	23	circular	circular	ADJ
ejif-9414	133	24	constellation	constellation	NOUN
ejif-9414	133	25	of	of	ADP
ejif-9414	133	26	forces	force	NOUN
ejif-9414	133	27	that	that	PRON
ejif-9414	133	28	act	act	VERB
ejif-9414	133	29	and	and	CCONJ
ejif-9414	133	30	react	react	VERB
ejif-9414	133	31	on	on	ADP
ejif-9414	133	32	one	one	NUM
ejif-9414	133	33	another	another	DET
ejif-9414	133	34	in	in	ADP
ejif-9414	133	35	a	a	DET
ejif-9414	133	36	manner	manner	NOUN
ejif-9414	133	37	that	that	PRON
ejif-9414	133	38	keeps	keep	VERB
ejif-9414	133	39	the	the	DET
ejif-9414	133	40	poor	poor	ADJ
ejif-9414	133	41	in	in	ADP
ejif-9414	133	42	the	the	DET
ejif-9414	133	43	shackles	shackle	NOUN
ejif-9414	133	44	of	of	ADP
ejif-9414	133	45	poverty	poverty	NOUN
ejif-9414	133	46	(	(	PUNCT
ejif-9414	133	47	abdullatif	abdullatif	VERB
ejif-9414	133	48	et	et	PROPN
ejif-9414	133	49	al	al	PROPN
ejif-9414	133	50	.	.	PROPN
ejif-9414	133	51	,	,	PUNCT
ejif-9414	133	52	2017	2017	NUM
ejif-9414	133	53	)	)	PUNCT
ejif-9414	133	54	.	.	PUNCT
ejif-9414	134	1	poverty	poverty	NOUN
ejif-9414	134	2	has	have	AUX
ejif-9414	134	3	resulted	result	VERB
ejif-9414	134	4	from	from	ADP
ejif-9414	134	5	three	three	NUM
ejif-9414	134	6	major	major	ADJ
ejif-9414	134	7	causes	cause	NOUN
ejif-9414	134	8	:	:	PUNCT
ejif-9414	134	9	unequal	unequal	ADJ
ejif-9414	134	10	resource	resource	NOUN
ejif-9414	134	11	ownership	ownership	NOUN
ejif-9414	134	12	,	,	PUNCT
ejif-9414	134	13	differences	difference	NOUN
ejif-9414	134	14	in	in	ADP
ejif-9414	134	15	the	the	DET
ejif-9414	134	16	quality	quality	NOUN
ejif-9414	134	17	of	of	ADP
ejif-9414	134	18	human	human	ADJ
ejif-9414	134	19	resources	resource	NOUN
ejif-9414	134	20	,	,	PUNCT
ejif-9414	134	21	and	and	CCONJ
ejif-9414	134	22	lack	lack	NOUN
ejif-9414	134	23	of	of	ADP
ejif-9414	134	24	access	access	NOUN
ejif-9414	134	25	to	to	ADP
ejif-9414	134	26	capital	capital	NOUN
ejif-9414	134	27	(	(	PUNCT
ejif-9414	134	28	kuncoro	kuncoro	PROPN
ejif-9414	134	29	,	,	PUNCT
ejif-9414	134	30	2010	2010	NUM
ejif-9414	134	31	)	)	PUNCT
ejif-9414	134	32	.	.	PUNCT
ejif-9414	135	1	unequal	unequal	ADJ
ejif-9414	135	2	ownership	ownership	NOUN
ejif-9414	135	3	of	of	ADP
ejif-9414	135	4	resources	resource	NOUN
ejif-9414	135	5	may	may	AUX
ejif-9414	135	6	lead	lead	VERB
ejif-9414	135	7	to	to	ADP
ejif-9414	135	8	unequal	unequal	ADJ
ejif-9414	135	9	income	income	NOUN
ejif-9414	135	10	distribution	distribution	NOUN
ejif-9414	135	11	,	,	PUNCT
ejif-9414	135	12	and	and	CCONJ
ejif-9414	135	13	unequal	unequal	ADJ
ejif-9414	135	14	quality	quality	NOUN
ejif-9414	135	15	of	of	ADP
ejif-9414	135	16	human	human	ADJ
ejif-9414	135	17	resources	resource	NOUN
ejif-9414	135	18	can	can	AUX
ejif-9414	135	19	cause	cause	VERB
ejif-9414	135	20	low	low	ADJ
ejif-9414	135	21	productivity	productivity	NOUN
ejif-9414	135	22	.	.	PUNCT
ejif-9414	136	1	low	low	ADJ
ejif-9414	136	2	investment	investment	NOUN
ejif-9414	136	3	,	,	PUNCT
ejif-9414	136	4	low	low	ADJ
ejif-9414	136	5	productivity	productivity	NOUN
ejif-9414	136	6	,	,	PUNCT
ejif-9414	136	7	low	low	ADJ
ejif-9414	136	8	level	level	NOUN
ejif-9414	136	9	of	of	ADP
ejif-9414	136	10	savings	saving	NOUN
ejif-9414	136	11	and	and	CCONJ
ejif-9414	136	12	low	low	ADJ
ejif-9414	136	13	income	income	NOUN
ejif-9414	136	14	are	be	AUX
ejif-9414	136	15	attributable	attributable	ADJ
ejif-9414	136	16	to	to	ADP
ejif-9414	136	17	a	a	DET
ejif-9414	136	18	lack	lack	NOUN
ejif-9414	136	19	of	of	ADP
ejif-9414	136	20	access	access	NOUN
ejif-9414	136	21	to	to	ADP
ejif-9414	136	22	capital	capital	NOUN
ejif-9414	136	23	(	(	PUNCT
ejif-9414	136	24	rohima	rohima	PROPN
ejif-9414	136	25	et	et	PROPN
ejif-9414	136	26	al	al	PROPN
ejif-9414	136	27	.	.	PROPN
ejif-9414	136	28	,	,	PUNCT
ejif-9414	136	29	2013	2013	NUM
ejif-9414	136	30	)	)	PUNCT
ejif-9414	136	31	.	.	PUNCT
ejif-9414	137	1	based	base	VERB
ejif-9414	137	2	on	on	ADP
ejif-9414	137	3	these	these	DET
ejif-9414	137	4	three	three	NUM
ejif-9414	137	5	causes	cause	NOUN
ejif-9414	137	6	of	of	ADP
ejif-9414	137	7	poverty	poverty	NOUN
ejif-9414	137	8	,	,	PUNCT
ejif-9414	137	9	nurkse	nurkse	NOUN
ejif-9414	137	10	(	(	PUNCT
ejif-9414	137	11	1953	1953	NUM
ejif-9414	137	12	)	)	PUNCT
ejif-9414	137	13	hinged	hinge	VERB
ejif-9414	137	14	the	the	DET
ejif-9414	137	15	vicious	vicious	ADJ
ejif-9414	137	16	cycle	cycle	NOUN
ejif-9414	137	17	of	of	ADP
ejif-9414	137	18	poverty	poverty	NOUN
ejif-9414	137	19	theory	theory	NOUN
ejif-9414	137	20	(	(	PUNCT
ejif-9414	137	21	rodlyah	rodlyah	NOUN
ejif-9414	137	22	,	,	PUNCT
ejif-9414	137	23	2023	2023	NUM
ejif-9414	137	24	)	)	PUNCT
ejif-9414	137	25	.	.	PUNCT
ejif-9414	138	1	according	accord	VERB
ejif-9414	138	2	to	to	ADP
ejif-9414	138	3	the	the	DET
ejif-9414	138	4	vicious	vicious	ADJ
ejif-9414	138	5	cycle	cycle	NOUN
ejif-9414	138	6	theory	theory	NOUN
ejif-9414	138	7	,	,	PUNCT
ejif-9414	138	8	a	a	DET
ejif-9414	138	9	poor	poor	ADJ
ejif-9414	138	10	person	person	NOUN
ejif-9414	138	11	is	be	AUX
ejif-9414	138	12	likely	likely	ADJ
ejif-9414	138	13	to	to	PART
ejif-9414	138	14	stay	stay	VERB
ejif-9414	138	15	that	that	DET
ejif-9414	138	16	way	way	NOUN
ejif-9414	138	17	unless	unless	SCONJ
ejif-9414	138	18	his	his	PRON
ejif-9414	138	19	income	income	NOUN
ejif-9414	138	20	level	level	NOUN
ejif-9414	138	21	rises	rise	VERB
ejif-9414	138	22	considerably	considerably	ADV
ejif-9414	138	23	enough	enough	ADV
ejif-9414	138	24	to	to	PART
ejif-9414	138	25	release	release	VERB
ejif-9414	138	26	him	he	PRON
ejif-9414	138	27	from	from	ADP
ejif-9414	138	28	the	the	DET
ejif-9414	138	29	cycle	cycle	NOUN
ejif-9414	138	30	of	of	ADP
ejif-9414	138	31	poverty	poverty	NOUN
ejif-9414	138	32	(	(	PUNCT
ejif-9414	138	33	ajakaiye	ajakaiye	PROPN
ejif-9414	138	34	&	&	CCONJ
ejif-9414	138	35	adeyeye	adeyeye	PROPN
ejif-9414	138	36	,	,	PUNCT
ejif-9414	138	37	2001	2001	NUM
ejif-9414	138	38	)	)	PUNCT
ejif-9414	138	39	.	.	PUNCT
ejif-9414	139	1	the	the	DET
ejif-9414	139	2	theory	theory	NOUN
ejif-9414	139	3	is	be	AUX
ejif-9414	139	4	based	base	VERB
ejif-9414	139	5	on	on	ADP
ejif-9414	139	6	the	the	DET
ejif-9414	139	7	notion	notion	NOUN
ejif-9414	139	8	that	that	SCONJ
ejif-9414	139	9	while	while	SCONJ
ejif-9414	139	10	those	those	PRON
ejif-9414	139	11	in	in	ADP
ejif-9414	139	12	the	the	DET
ejif-9414	139	13	lower	low	ADJ
ejif-9414	139	14	income	income	NOUN
ejif-9414	139	15	bracket	bracket	NOUN
ejif-9414	139	16	can	can	AUX
ejif-9414	139	17	not	not	PART
ejif-9414	139	18	afford	afford	VERB
ejif-9414	139	19	to	to	PART
ejif-9414	139	20	save	save	VERB
ejif-9414	139	21	or	or	CCONJ
ejif-9414	139	22	invest	invest	VERB
ejif-9414	139	23	and	and	CCONJ
ejif-9414	139	24	so	so	ADV
ejif-9414	139	25	can	can	AUX
ejif-9414	139	26	not	not	PART
ejif-9414	139	27	escape	escape	VERB
ejif-9414	139	28	the	the	DET
ejif-9414	139	29	cycle	cycle	NOUN
ejif-9414	139	30	of	of	ADP
ejif-9414	139	31	poverty	poverty	NOUN
ejif-9414	139	32	,	,	PUNCT
ejif-9414	139	33	those	those	PRON
ejif-9414	139	34	in	in	ADP
ejif-9414	139	35	the	the	DET
ejif-9414	139	36	higher	high	ADJ
ejif-9414	139	37	income	income	NOUN
ejif-9414	139	38	bracket	bracket	NOUN
ejif-9414	139	39	can	can	AUX
ejif-9414	139	40	do	do	AUX
ejif-9414	139	41	so	so	ADV
ejif-9414	139	42	and	and	CCONJ
ejif-9414	139	43	maintain	maintain	VERB
ejif-9414	139	44	their	their	PRON
ejif-9414	139	45	current	current	ADJ
ejif-9414	139	46	status	status	NOUN
ejif-9414	139	47	(	(	PUNCT
ejif-9414	139	48	rohima	rohima	PROPN
ejif-9414	139	49	,	,	PUNCT
ejif-9414	139	50	manzilati	manzilati	NOUN
ejif-9414	139	51	,	,	PUNCT
ejif-9414	139	52	&	&	CCONJ
ejif-9414	139	53	ashar	ashar	PROPN
ejif-9414	139	54	,	,	PUNCT
ejif-9414	139	55	2013	2013	NUM
ejif-9414	139	56	)	)	PUNCT
ejif-9414	139	57	.	.	PUNCT
ejif-9414	140	1	abdullatif	abdullatif	PROPN
ejif-9414	140	2	,	,	PUNCT
ejif-9414	140	3	omar	omar	PROPN
ejif-9414	140	4	and	and	CCONJ
ejif-9414	140	5	udin	udin	PROPN
ejif-9414	140	6	(	(	PUNCT
ejif-9414	140	7	2017	2017	NUM
ejif-9414	140	8	)	)	PUNCT
ejif-9414	140	9	observed	observe	VERB
ejif-9414	140	10	that	that	SCONJ
ejif-9414	140	11	for	for	ADP
ejif-9414	140	12	developing	develop	VERB
ejif-9414	140	13	countries	country	NOUN
ejif-9414	140	14	like	like	ADP
ejif-9414	140	15	nigeria	nigeria	PROPN
ejif-9414	140	16	,	,	PUNCT
ejif-9414	140	17	the	the	DET
ejif-9414	140	18	vicious	vicious	ADJ
ejif-9414	140	19	cycle	cycle	NOUN
ejif-9414	140	20	of	of	ADP
ejif-9414	140	21	poverty	poverty	NOUN
ejif-9414	140	22	seems	seem	VERB
ejif-9414	140	23	multidimensional	multidimensional	ADJ
ejif-9414	140	24	in	in	ADP
ejif-9414	140	25	that	that	DET
ejif-9414	140	26	low	low	ADJ
ejif-9414	140	27	-	-	PUNCT
ejif-9414	140	28	level	level	NOUN
ejif-9414	140	29	income	income	NOUN
ejif-9414	140	30	tends	tend	VERB
ejif-9414	140	31	to	to	PART
ejif-9414	140	32	result	result	VERB
ejif-9414	140	33	in	in	ADP
ejif-9414	140	34	a	a	DET
ejif-9414	140	35	low	low	ADJ
ejif-9414	140	36	level	level	NOUN
ejif-9414	140	37	of	of	ADP
ejif-9414	140	38	education	education	NOUN
ejif-9414	140	39	,	,	PUNCT
ejif-9414	140	40	leading	lead	VERB
ejif-9414	140	41	to	to	ADP
ejif-9414	140	42	low	low	ADJ
ejif-9414	140	43	technical	technical	ADJ
ejif-9414	140	44	skills	skill	NOUN
ejif-9414	140	45	and	and	CCONJ
ejif-9414	140	46	resulting	result	VERB
ejif-9414	140	47	in	in	ADP
ejif-9414	140	48	low	low	ADJ
ejif-9414	140	49	income	income	NOUN
ejif-9414	140	50	.	.	PUNCT
ejif-9414	141	1	the	the	DET
ejif-9414	141	2	proponents	proponent	NOUN
ejif-9414	141	3	of	of	ADP
ejif-9414	141	4	the	the	DET
ejif-9414	141	5	theory	theory	NOUN
ejif-9414	141	6	believe	believe	VERB
ejif-9414	141	7	that	that	SCONJ
ejif-9414	141	8	unless	unless	SCONJ
ejif-9414	141	9	governments	government	NOUN
ejif-9414	141	10	undertake	undertake	VERB
ejif-9414	141	11	massive	massive	ADJ
ejif-9414	141	12	investment	investment	NOUN
ejif-9414	141	13	programmes	programme	NOUN
ejif-9414	141	14	to	to	PART
ejif-9414	141	15	end	end	VERB
ejif-9414	141	16	the	the	DET
ejif-9414	141	17	vicious	vicious	ADJ
ejif-9414	141	18	cycle	cycle	NOUN
ejif-9414	141	19	of	of	ADP
ejif-9414	141	20	poverty	poverty	NOUN
ejif-9414	141	21	,	,	PUNCT
ejif-9414	141	22	underdeveloped	underdeveloped	ADJ
ejif-9414	141	23	countries	country	NOUN
ejif-9414	141	24	will	will	AUX
ejif-9414	141	25	never	never	ADV
ejif-9414	141	26	be	be	AUX
ejif-9414	141	27	able	able	ADJ
ejif-9414	141	28	to	to	PART
ejif-9414	141	29	escape	escape	VERB
ejif-9414	141	30	the	the	DET
ejif-9414	141	31	cycle	cycle	NOUN
ejif-9414	141	32	of	of	ADP
ejif-9414	141	33	poverty	poverty	NOUN
ejif-9414	141	34	(	(	PUNCT
ejif-9414	141	35	abdullatif	abdullatif	VERB
ejif-9414	141	36	et	et	PROPN
ejif-9414	141	37	al	al	PROPN
ejif-9414	141	38	.	.	PROPN
ejif-9414	141	39	,	,	PUNCT
ejif-9414	141	40	2017	2017	NUM
ejif-9414	141	41	)	)	PUNCT
ejif-9414	141	42	.	.	PUNCT
ejif-9414	142	1	relating	relate	VERB
ejif-9414	142	2	the	the	DET
ejif-9414	142	3	theory	theory	NOUN
ejif-9414	142	4	to	to	ADP
ejif-9414	142	5	the	the	DET
ejif-9414	142	6	study	study	NOUN
ejif-9414	142	7	,	,	PUNCT
ejif-9414	142	8	islamic	islamic	ADJ
ejif-9414	142	9	microfinance	microfinance	NOUN
ejif-9414	142	10	provides	provide	VERB
ejif-9414	142	11	a	a	DET
ejif-9414	142	12	platform	platform	NOUN
ejif-9414	142	13	through	through	ADP
ejif-9414	142	14	which	which	PRON
ejif-9414	142	15	poor	poor	ADJ
ejif-9414	142	16	and	and	CCONJ
ejif-9414	142	17	low	low	ADJ
ejif-9414	142	18	-	-	PUNCT
ejif-9414	142	19	income	income	NOUN
ejif-9414	142	20	earners	earner	NOUN
ejif-9414	142	21	can	can	AUX
ejif-9414	142	22	access	access	VERB
ejif-9414	142	23	capital	capital	NOUN
ejif-9414	142	24	to	to	PART
ejif-9414	142	25	improve	improve	VERB
ejif-9414	142	26	their	their	PRON
ejif-9414	142	27	socio	socio	NOUN
ejif-9414	142	28	-	-	PUNCT
ejif-9414	142	29	economic	economic	ADJ
ejif-9414	142	30	well	well	ADV
ejif-9414	142	31	-	-	PUNCT
ejif-9414	142	32	being	being	NOUN
ejif-9414	142	33	and	and	CCONJ
ejif-9414	142	34	break	break	VERB
ejif-9414	142	35	the	the	DET
ejif-9414	142	36	vicious	vicious	ADJ
ejif-9414	142	37	cycle	cycle	NOUN
ejif-9414	142	38	of	of	ADP
ejif-9414	142	39	poverty	poverty	NOUN
ejif-9414	142	40	.	.	PUNCT
ejif-9414	143	1	the	the	DET
ejif-9414	143	2	government	government	NOUN
ejif-9414	143	3	can	can	AUX
ejif-9414	143	4	also	also	ADV
ejif-9414	143	5	use	use	VERB
ejif-9414	143	6	the	the	DET
ejif-9414	143	7	scheme	scheme	NOUN
ejif-9414	143	8	of	of	ADP
ejif-9414	143	9	islamic	islamic	ADJ
ejif-9414	143	10	microfinance	microfinance	NOUN
ejif-9414	143	11	to	to	PART
ejif-9414	143	12	make	make	VERB
ejif-9414	143	13	investment	investment	NOUN
ejif-9414	143	14	programmes	programme	NOUN
ejif-9414	143	15	targeting	target	VERB
ejif-9414	143	16	low	low	ADJ
ejif-9414	143	17	-	-	PUNCT
ejif-9414	143	18	income	income	NOUN
ejif-9414	143	19	and	and	CCONJ
ejif-9414	143	20	poor	poor	ADJ
ejif-9414	143	21	people	people	NOUN
ejif-9414	143	22	to	to	PART
ejif-9414	143	23	alleviate	alleviate	VERB
ejif-9414	143	24	poverty	poverty	NOUN
ejif-9414	143	25	,	,	PUNCT
ejif-9414	143	26	as	as	SCONJ
ejif-9414	143	27	opined	opine	VERB
ejif-9414	143	28	by	by	ADP
ejif-9414	143	29	the	the	DET
ejif-9414	143	30	proponents	proponent	NOUN
ejif-9414	143	31	of	of	ADP
ejif-9414	143	32	the	the	DET
ejif-9414	143	33	vicious	vicious	ADJ
ejif-9414	143	34	cycle	cycle	NOUN
ejif-9414	143	35	of	of	ADP
ejif-9414	143	36	poverty	poverty	NOUN
ejif-9414	143	37	theory	theory	NOUN
ejif-9414	143	38	.	.	PUNCT
ejif-9414	144	1	2.6	2.6	NUM
ejif-9414	144	2	empirical	empirical	ADJ
ejif-9414	144	3	review	review	NOUN
ejif-9414	144	4	empirical	empirical	ADJ
ejif-9414	144	5	studies	study	NOUN
ejif-9414	144	6	on	on	ADP
ejif-9414	144	7	islamic	islamic	ADJ
ejif-9414	144	8	microfinance	microfinance	NOUN
ejif-9414	144	9	and	and	CCONJ
ejif-9414	144	10	its	its	PRON
ejif-9414	144	11	impact	impact	NOUN
ejif-9414	144	12	on	on	ADP
ejif-9414	144	13	poverty	poverty	NOUN
ejif-9414	144	14	alleviation	alleviation	NOUN
ejif-9414	144	15	still	still	ADV
ejif-9414	144	16	need	need	VERB
ejif-9414	144	17	to	to	PART
ejif-9414	144	18	be	be	AUX
ejif-9414	144	19	completed	complete	VERB
ejif-9414	144	20	.	.	PUNCT
ejif-9414	145	1	some	some	PRON
ejif-9414	145	2	of	of	ADP
ejif-9414	145	3	the	the	DET
ejif-9414	145	4	studies	study	NOUN
ejif-9414	145	5	were	be	AUX
ejif-9414	145	6	reviewed	review	VERB
ejif-9414	145	7	,	,	PUNCT
ejif-9414	145	8	and	and	CCONJ
ejif-9414	145	9	a	a	DET
ejif-9414	145	10	literature	literature	NOUN
ejif-9414	145	11	gap	gap	NOUN
ejif-9414	145	12	was	be	AUX
ejif-9414	145	13	created	create	VERB
ejif-9414	145	14	.	.	PUNCT
ejif-9414	146	1	akhter	akhter	NOUN
ejif-9414	146	2	,	,	PUNCT
ejif-9414	146	3	akhtar	akhtar	PROPN
ejif-9414	146	4	and	and	CCONJ
ejif-9414	146	5	jaffri	jaffri	PROPN
ejif-9414	146	6	(	(	PUNCT
ejif-9414	146	7	2009	2009	NUM
ejif-9414	146	8	)	)	PUNCT
ejif-9414	146	9	analysed	analyse	VERB
ejif-9414	146	10	the	the	DET
ejif-9414	146	11	service	service	NOUN
ejif-9414	146	12	performance	performance	NOUN
ejif-9414	146	13	of	of	ADP
ejif-9414	146	14	islamic	islamic	ADJ
ejif-9414	146	15	microfinance	microfinance	NOUN
ejif-9414	146	16	in	in	ADP
ejif-9414	146	17	indonesia	indonesia	PROPN
ejif-9414	146	18	.	.	PUNCT
ejif-9414	147	1	the	the	DET
ejif-9414	147	2	study	study	NOUN
ejif-9414	147	3	found	find	VERB
ejif-9414	147	4	that	that	SCONJ
ejif-9414	147	5	the	the	DET
ejif-9414	147	6	institutions	institution	NOUN
ejif-9414	147	7	serve	serve	VERB
ejif-9414	147	8	those	those	PRON
ejif-9414	147	9	living	live	VERB
ejif-9414	147	10	below	below	ADP
ejif-9414	147	11	the	the	DET
ejif-9414	147	12	poverty	poverty	NOUN
ejif-9414	147	13	line	line	NOUN
ejif-9414	147	14	and	and	CCONJ
ejif-9414	147	15	suggested	suggest	VERB
ejif-9414	147	16	that	that	SCONJ
ejif-9414	147	17	interest	interest	NOUN
ejif-9414	147	18	-	-	PUNCT
ejif-9414	147	19	free	free	ADJ
ejif-9414	147	20	loans	loan	NOUN
ejif-9414	147	21	be	be	AUX
ejif-9414	147	22	used	use	VERB
ejif-9414	147	23	to	to	PART
ejif-9414	147	24	fight	fight	VERB
ejif-9414	147	25	against	against	ADP
ejif-9414	147	26	poverty	poverty	NOUN
ejif-9414	147	27	in	in	ADP
ejif-9414	147	28	the	the	DET
ejif-9414	147	29	country	country	NOUN
ejif-9414	147	30	.	.	PUNCT
ejif-9414	148	1	similarly	similarly	ADV
ejif-9414	148	2	,	,	PUNCT
ejif-9414	148	3	rahman	rahman	PROPN
ejif-9414	148	4	(	(	PUNCT
ejif-9414	148	5	2010	2010	NUM
ejif-9414	148	6	)	)	PUNCT
ejif-9414	148	7	investigated	investigate	VERB
ejif-9414	148	8	the	the	DET
ejif-9414	148	9	impact	impact	NOUN
ejif-9414	148	10	of	of	ADP
ejif-9414	148	11	islamic	islamic	ADJ
ejif-9414	148	12	microfinance	microfinance	NOUN
ejif-9414	148	13	on	on	ADP
ejif-9414	148	14	rural	rural	ADJ
ejif-9414	148	15	poverty	poverty	NOUN
ejif-9414	148	16	alleviation	alleviation	NOUN
ejif-9414	148	17	in	in	ADP
ejif-9414	148	18	bangladesh	bangladesh	PROPN
ejif-9414	148	19	.	.	PUNCT
ejif-9414	149	1	the	the	DET
ejif-9414	149	2	study	study	NOUN
ejif-9414	149	3	selected	select	VERB
ejif-9414	149	4	1020	1020	NUM
ejif-9414	149	5	respondents	respondent	NOUN
ejif-9414	149	6	,	,	PUNCT
ejif-9414	149	7	and	and	CCONJ
ejif-9414	149	8	the	the	DET
ejif-9414	149	9	results	result	NOUN
ejif-9414	149	10	showed	show	VERB
ejif-9414	149	11	that	that	SCONJ
ejif-9414	149	12	household	household	NOUN
ejif-9414	149	13	income	income	NOUN
ejif-9414	149	14	,	,	PUNCT
ejif-9414	149	15	crop	crop	NOUN
ejif-9414	149	16	and	and	CCONJ
ejif-9414	149	17	livestock	livestock	NOUN
ejif-9414	149	18	productivity	productivity	NOUN
ejif-9414	149	19	,	,	PUNCT
ejif-9414	149	20	and	and	CCONJ
ejif-9414	149	21	employment	employment	NOUN
ejif-9414	149	22	improved	improve	VERB
ejif-9414	149	23	with	with	ADP
ejif-9414	149	24	the	the	DET
ejif-9414	149	25	adoption	adoption	NOUN
ejif-9414	149	26	of	of	ADP
ejif-9414	149	27	shariah	shariah	PROPN
ejif-9414	149	28	-	-	PUNCT
ejif-9414	149	29	compliant	compliant	ADJ
ejif-9414	149	30	microfinance	microfinance	NOUN
ejif-9414	149	31	.	.	PUNCT
ejif-9414	150	1	it	it	PRON
ejif-9414	150	2	was	be	AUX
ejif-9414	150	3	then	then	ADV
ejif-9414	150	4	concluded	conclude	VERB
ejif-9414	150	5	that	that	SCONJ
ejif-9414	150	6	islamic	islamic	ADJ
ejif-9414	150	7	microfinance	microfinance	NOUN
ejif-9414	150	8	programmes	programme	NOUN
ejif-9414	150	9	help	help	AUX
ejif-9414	150	10	alleviate	alleviate	VERB
ejif-9414	150	11	poverty	poverty	NOUN
ejif-9414	150	12	in	in	ADP
ejif-9414	150	13	bangladesh	bangladesh	NOUN
ejif-9414	150	14	.	.	PUNCT
ejif-9414	151	1	also	also	ADV
ejif-9414	151	2	,	,	PUNCT
ejif-9414	151	3	mohamed	mohamed	PROPN
ejif-9414	151	4	and	and	CCONJ
ejif-9414	151	5	fauziyyah	fauziyyah	PROPN
ejif-9414	151	6	(	(	PUNCT
ejif-9414	151	7	2020	2020	NUM
ejif-9414	151	8	)	)	PUNCT
ejif-9414	151	9	systematically	systematically	ADV
ejif-9414	151	10	reviewed	review	VERB
ejif-9414	151	11	the	the	DET
ejif-9414	151	12	literature	literature	NOUN
ejif-9414	151	13	.	.	PUNCT
ejif-9414	152	1	they	they	PRON
ejif-9414	152	2	concluded	conclude	VERB
ejif-9414	152	3	that	that	SCONJ
ejif-9414	152	4	islāmic	islāmic	ADJ
ejif-9414	152	5	microfinance	microfinance	NOUN
ejif-9414	152	6	would	would	AUX
ejif-9414	152	7	play	play	VERB
ejif-9414	152	8	a	a	DET
ejif-9414	152	9	significant	significant	ADJ
ejif-9414	152	10	role	role	NOUN
ejif-9414	152	11	in	in	ADP
ejif-9414	152	12	achieving	achieve	VERB
ejif-9414	152	13	sustainable	sustainable	ADJ
ejif-9414	152	14	development	development	NOUN
ejif-9414	152	15	goals	goal	NOUN
ejif-9414	152	16	(	(	PUNCT
ejif-9414	152	17	sdgs	sdgs	ADJ
ejif-9414	152	18	)	)	PUNCT
ejif-9414	152	19	,	,	PUNCT
ejif-9414	152	20	especially	especially	ADV
ejif-9414	152	21	in	in	ADP
ejif-9414	152	22	poverty	poverty	NOUN
ejif-9414	152	23	alleviation	alleviation	NOUN
ejif-9414	152	24	,	,	PUNCT
ejif-9414	152	25	through	through	ADP
ejif-9414	152	26	adopting	adopt	VERB
ejif-9414	152	27	shariah	shariah	PROPN
ejif-9414	152	28	-	-	PUNCT
ejif-9414	152	29	compliant	compliant	ADJ
ejif-9414	152	30	innovative	innovative	ADJ
ejif-9414	152	31	products	product	NOUN
ejif-9414	152	32	and	and	CCONJ
ejif-9414	152	33	instruments	instrument	NOUN
ejif-9414	152	34	.	.	PUNCT
ejif-9414	153	1	quraisy	quraisy	ADJ
ejif-9414	153	2	,	,	PUNCT
ejif-9414	153	3	abdul	abdul	PROPN
ejif-9414	153	4	razak	razak	PROPN
ejif-9414	153	5	and	and	CCONJ
ejif-9414	153	6	alhabshi	alhabshi	PROPN
ejif-9414	153	7	(	(	PUNCT
ejif-9414	153	8	2017	2017	NUM
ejif-9414	153	9	)	)	PUNCT
ejif-9414	153	10	found	find	VERB
ejif-9414	153	11	that	that	SCONJ
ejif-9414	153	12	islamic	islamic	ADJ
ejif-9414	153	13	finance	finance	NOUN
ejif-9414	153	14	helps	help	VERB
ejif-9414	153	15	reduce	reduce	VERB
ejif-9414	153	16	poverty	poverty	NOUN
ejif-9414	153	17	.	.	PUNCT
ejif-9414	154	1	however	however	ADV
ejif-9414	154	2	,	,	PUNCT
ejif-9414	154	3	asyraf	asyraf	NOUN
ejif-9414	154	4	(	(	PUNCT
ejif-9414	154	5	2010	2010	NUM
ejif-9414	154	6	)	)	PUNCT
ejif-9414	154	7	revealed	reveal	VERB
ejif-9414	154	8	that	that	SCONJ
ejif-9414	154	9	microfinance	microfinance	NOUN
ejif-9414	154	10	has	have	AUX
ejif-9414	154	11	not	not	PART
ejif-9414	154	12	successfully	successfully	ADV
ejif-9414	154	13	reduced	reduce	VERB
ejif-9414	154	14	poverty	poverty	NOUN
ejif-9414	154	15	in	in	ADP
ejif-9414	154	16	bangladesh	bangladesh	PROPN
ejif-9414	154	17	.	.	PUNCT
ejif-9414	155	1	khaled	khaled	PROPN
ejif-9414	155	2	(	(	PUNCT
ejif-9414	155	3	2011	2011	NUM
ejif-9414	155	4	)	)	PUNCT
ejif-9414	155	5	revealed	reveal	VERB
ejif-9414	155	6	that	that	SCONJ
ejif-9414	155	7	islamic	islamic	ADJ
ejif-9414	155	8	microfinance	microfinance	NOUN
ejif-9414	155	9	is	be	AUX
ejif-9414	155	10	having	have	VERB
ejif-9414	155	11	difficulties	difficulty	NOUN
ejif-9414	155	12	with	with	ADP
ejif-9414	155	13	limited	limited	ADJ
ejif-9414	155	14	funds	fund	NOUN
ejif-9414	155	15	or	or	CCONJ
ejif-9414	155	16	raising	raise	VERB
ejif-9414	155	17	external	external	ADJ
ejif-9414	155	18	finance	finance	NOUN
ejif-9414	155	19	,	,	PUNCT
ejif-9414	155	20	thereby	thereby	ADV
ejif-9414	155	21	limiting	limit	VERB
ejif-9414	155	22	the	the	DET
ejif-9414	155	23	effect	effect	NOUN
ejif-9414	155	24	of	of	ADP
ejif-9414	155	25	the	the	DET
ejif-9414	155	26	institutions	institution	NOUN
ejif-9414	155	27	in	in	ADP
ejif-9414	155	28	alleviating	alleviate	VERB
ejif-9414	155	29	poverty	poverty	NOUN
ejif-9414	155	30	.	.	PUNCT
ejif-9414	156	1	some	some	DET
ejif-9414	156	2	other	other	ADJ
ejif-9414	156	3	european	european	ADJ
ejif-9414	156	4	journal	journal	PROPN
ejif-9414	156	5	of	of	ADP
ejif-9414	156	6	islamic	islamic	PROPN
ejif-9414	156	7	finance	finance	PROPN
ejif-9414	156	8	issn	issn	PROPN
ejif-9414	156	9	:	:	PUNCT
ejif-9414	156	10	2421	2421	NUM
ejif-9414	156	11	-	-	SYM
ejif-9414	156	12	2172	2172	NUM
ejif-9414	156	13	doi	doi	NOUN
ejif-9414	156	14	:	:	PUNCT
ejif-9414	156	15	10.13135/2421	10.13135/2421	NUM
ejif-9414	156	16	-	-	SYM
ejif-9414	156	17	2172/9414	2172/9414	NUM
ejif-9414	156	18	published	publish	VERB
ejif-9414	156	19	by	by	ADP
ejif-9414	156	20	university	university	PROPN
ejif-9414	156	21	of	of	ADP
ejif-9414	156	22	turin	turin	PROPN
ejif-9414	157	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	157	2	ejif	ejif	PROPN
ejif-9414	157	3	content	content	NOUN
ejif-9414	157	4	is	be	AUX
ejif-9414	157	5	licensed	license	VERB
ejif-9414	157	6	under	under	ADP
ejif-9414	157	7	a	a	DET
ejif-9414	157	8	creative	creative	ADJ
ejif-9414	157	9	commons	common	NOUN
ejif-9414	157	10	attribution	attribution	NOUN
ejif-9414	157	11	4.0	4.0	NUM
ejif-9414	157	12	international	international	ADJ
ejif-9414	157	13	license	license	NOUN
ejif-9414	157	14	23	23	NUM
ejif-9414	157	15	studies	study	NOUN
ejif-9414	157	16	have	have	AUX
ejif-9414	157	17	found	find	VERB
ejif-9414	157	18	a	a	DET
ejif-9414	157	19	positive	positive	ADJ
ejif-9414	157	20	impact	impact	NOUN
ejif-9414	157	21	of	of	ADP
ejif-9414	157	22	islamic	islamic	ADJ
ejif-9414	157	23	microfinance	microfinance	NOUN
ejif-9414	157	24	,	,	PUNCT
ejif-9414	157	25	especially	especially	ADV
ejif-9414	157	26	in	in	ADP
ejif-9414	157	27	improving	improve	VERB
ejif-9414	157	28	the	the	DET
ejif-9414	157	29	livelihood	livelihood	NOUN
ejif-9414	157	30	of	of	ADP
ejif-9414	157	31	people	people	NOUN
ejif-9414	157	32	and	and	CCONJ
ejif-9414	157	33	poverty	poverty	NOUN
ejif-9414	157	34	reduction	reduction	NOUN
ejif-9414	157	35	(	(	PUNCT
ejif-9414	157	36	adnan	adnan	PROPN
ejif-9414	157	37	&	&	CCONJ
ejif-9414	157	38	ajija	ajija	PROPN
ejif-9414	157	39	,	,	PUNCT
ejif-9414	157	40	2015	2015	NUM
ejif-9414	157	41	;	;	PUNCT
ejif-9414	157	42	rokhman	rokhman	NOUN
ejif-9414	157	43	,	,	PUNCT
ejif-9414	157	44	2014	2014	NUM
ejif-9414	157	45	)	)	PUNCT
ejif-9414	157	46	.	.	PUNCT
ejif-9414	158	1	in	in	ADP
ejif-9414	158	2	nigeria	nigeria	PROPN
ejif-9414	158	3	,	,	PUNCT
ejif-9414	158	4	some	some	DET
ejif-9414	158	5	research	research	NOUN
ejif-9414	158	6	works	work	NOUN
ejif-9414	158	7	pointed	point	VERB
ejif-9414	158	8	to	to	ADP
ejif-9414	158	9	the	the	DET
ejif-9414	158	10	potential	potential	NOUN
ejif-9414	158	11	of	of	ADP
ejif-9414	158	12	islamic	islamic	ADJ
ejif-9414	158	13	microfinance	microfinance	NOUN
ejif-9414	158	14	as	as	ADP
ejif-9414	158	15	a	a	DET
ejif-9414	158	16	poverty	poverty	NOUN
ejif-9414	158	17	alleviation	alleviation	NOUN
ejif-9414	158	18	tool	tool	NOUN
ejif-9414	158	19	.	.	PUNCT
ejif-9414	159	1	onakoya	onakoya	PROPN
ejif-9414	159	2	and	and	CCONJ
ejif-9414	159	3	onakoya	onakoya	NOUN
ejif-9414	159	4	(	(	PUNCT
ejif-9414	159	5	2013	2013	NUM
ejif-9414	159	6	)	)	PUNCT
ejif-9414	159	7	examined	examine	VERB
ejif-9414	159	8	the	the	DET
ejif-9414	159	9	fundamentals	fundamental	NOUN
ejif-9414	159	10	of	of	ADP
ejif-9414	159	11	islamic	islamic	ADJ
ejif-9414	159	12	finance	finance	NOUN
ejif-9414	159	13	and	and	CCONJ
ejif-9414	159	14	envisioned	envision	VERB
ejif-9414	159	15	its	its	PRON
ejif-9414	159	16	workings	working	NOUN
ejif-9414	159	17	to	to	PART
ejif-9414	159	18	identify	identify	VERB
ejif-9414	159	19	the	the	DET
ejif-9414	159	20	connection	connection	NOUN
ejif-9414	159	21	between	between	ADP
ejif-9414	159	22	sustainable	sustainable	ADJ
ejif-9414	159	23	development	development	NOUN
ejif-9414	159	24	and	and	CCONJ
ejif-9414	159	25	actual	actual	ADJ
ejif-9414	159	26	economies	economy	NOUN
ejif-9414	159	27	.	.	PUNCT
ejif-9414	160	1	the	the	DET
ejif-9414	160	2	study	study	NOUN
ejif-9414	160	3	used	use	VERB
ejif-9414	160	4	a	a	DET
ejif-9414	160	5	survey	survey	NOUN
ejif-9414	160	6	design	design	NOUN
ejif-9414	160	7	with	with	ADP
ejif-9414	160	8	a	a	DET
ejif-9414	160	9	scope	scope	NOUN
ejif-9414	160	10	limited	limit	VERB
ejif-9414	160	11	to	to	ADP
ejif-9414	160	12	ogun	ogun	PROPN
ejif-9414	160	13	state	state	PROPN
ejif-9414	160	14	,	,	PUNCT
ejif-9414	160	15	nigeria	nigeria	PROPN
ejif-9414	160	16	.	.	PUNCT
ejif-9414	161	1	the	the	DET
ejif-9414	161	2	study	study	NOUN
ejif-9414	161	3	revealed	reveal	VERB
ejif-9414	161	4	that	that	SCONJ
ejif-9414	161	5	religious	religious	ADJ
ejif-9414	161	6	differences	difference	NOUN
ejif-9414	161	7	do	do	AUX
ejif-9414	161	8	not	not	PART
ejif-9414	161	9	hamper	hamper	VERB
ejif-9414	161	10	the	the	DET
ejif-9414	161	11	adoption	adoption	NOUN
ejif-9414	161	12	of	of	ADP
ejif-9414	161	13	islamic	islamic	ADJ
ejif-9414	161	14	microfinance	microfinance	NOUN
ejif-9414	161	15	.	.	PUNCT
ejif-9414	162	1	they	they	PRON
ejif-9414	162	2	also	also	ADV
ejif-9414	162	3	found	find	VERB
ejif-9414	162	4	that	that	SCONJ
ejif-9414	162	5	islamic	islamic	ADJ
ejif-9414	162	6	microfinance	microfinance	NOUN
ejif-9414	162	7	will	will	AUX
ejif-9414	162	8	help	help	VERB
ejif-9414	162	9	reduce	reduce	VERB
ejif-9414	162	10	poverty	poverty	NOUN
ejif-9414	162	11	in	in	ADP
ejif-9414	162	12	nigeria	nigeria	PROPN
ejif-9414	162	13	when	when	SCONJ
ejif-9414	162	14	combined	combine	VERB
ejif-9414	162	15	with	with	ADP
ejif-9414	162	16	the	the	DET
ejif-9414	162	17	appropriate	appropriate	ADJ
ejif-9414	162	18	monetary	monetary	ADJ
ejif-9414	162	19	and	and	CCONJ
ejif-9414	162	20	fiscal	fiscal	ADJ
ejif-9414	162	21	policy	policy	NOUN
ejif-9414	162	22	framework	framework	NOUN
ejif-9414	162	23	.	.	PUNCT
ejif-9414	163	1	alaro	alaro	NOUN
ejif-9414	163	2	and	and	CCONJ
ejif-9414	163	3	alalubosa	alalubosa	NOUN
ejif-9414	163	4	(	(	PUNCT
ejif-9414	163	5	2019	2019	NUM
ejif-9414	163	6	)	)	PUNCT
ejif-9414	163	7	assessed	assess	VERB
ejif-9414	163	8	the	the	DET
ejif-9414	163	9	implementation	implementation	NOUN
ejif-9414	163	10	of	of	ADP
ejif-9414	163	11	islamic	islamic	ADJ
ejif-9414	163	12	microfinance	microfinance	NOUN
ejif-9414	163	13	in	in	ADP
ejif-9414	163	14	nigeria	nigeria	PROPN
ejif-9414	163	15	using	use	VERB
ejif-9414	163	16	analytical	analytical	ADJ
ejif-9414	163	17	and	and	CCONJ
ejif-9414	163	18	qualitative	qualitative	ADJ
ejif-9414	163	19	analysis	analysis	NOUN
ejif-9414	163	20	methods	method	NOUN
ejif-9414	163	21	.	.	PUNCT
ejif-9414	164	1	the	the	DET
ejif-9414	164	2	study	study	NOUN
ejif-9414	164	3	assessed	assess	VERB
ejif-9414	164	4	four	four	NUM
ejif-9414	164	5	sharī’ah	sharī’ah	NOUN
ejif-9414	164	6	implementation	implementation	NOUN
ejif-9414	164	7	tools	tool	NOUN
ejif-9414	164	8	:	:	PUNCT
ejif-9414	164	9	musharakah	musharakah	PROPN
ejif-9414	164	10	,	,	PUNCT
ejif-9414	164	11	mudharabah	mudharabah	NOUN
ejif-9414	164	12	,	,	PUNCT
ejif-9414	164	13	zakat	zakat	NOUN
ejif-9414	164	14	and	and	CCONJ
ejif-9414	164	15	waqf	waqf	NOUN
ejif-9414	164	16	.	.	PUNCT
ejif-9414	165	1	it	it	PRON
ejif-9414	165	2	was	be	AUX
ejif-9414	165	3	found	find	VERB
ejif-9414	165	4	that	that	SCONJ
ejif-9414	165	5	sharī’ah	sharī’ah	NOUN
ejif-9414	165	6	tools	tool	NOUN
ejif-9414	165	7	are	be	AUX
ejif-9414	165	8	viable	viable	ADJ
ejif-9414	165	9	and	and	CCONJ
ejif-9414	165	10	sustainable	sustainable	ADJ
ejif-9414	165	11	microfinance	microfinance	NOUN
ejif-9414	165	12	options	option	NOUN
ejif-9414	165	13	that	that	PRON
ejif-9414	165	14	guarantee	guarantee	VERB
ejif-9414	165	15	the	the	DET
ejif-9414	165	16	financial	financial	ADJ
ejif-9414	165	17	inclusion	inclusion	NOUN
ejif-9414	165	18	of	of	ADP
ejif-9414	165	19	a	a	DET
ejif-9414	165	20	large	large	ADJ
ejif-9414	165	21	percentage	percentage	NOUN
ejif-9414	165	22	of	of	ADP
ejif-9414	165	23	nigeria	nigeria	PROPN
ejif-9414	165	24	’s	’s	PART
ejif-9414	165	25	poor	poor	ADJ
ejif-9414	165	26	population	population	NOUN
ejif-9414	165	27	.	.	PUNCT
ejif-9414	166	1	ibrahim	ibrahim	PROPN
ejif-9414	166	2	and	and	CCONJ
ejif-9414	166	3	murtala	murtala	NOUN
ejif-9414	166	4	(	(	PUNCT
ejif-9414	166	5	2018	2018	NUM
ejif-9414	166	6	)	)	PUNCT
ejif-9414	166	7	employed	employ	VERB
ejif-9414	166	8	chi	chi	ADJ
ejif-9414	166	9	-	-	PUNCT
ejif-9414	166	10	square	square	ADJ
ejif-9414	166	11	and	and	CCONJ
ejif-9414	166	12	independent	independent	ADJ
ejif-9414	166	13	sample	sample	NOUN
ejif-9414	166	14	t	t	NOUN
ejif-9414	166	15	-	-	PUNCT
ejif-9414	166	16	tests	test	NOUN
ejif-9414	166	17	for	for	ADP
ejif-9414	166	18	their	their	PRON
ejif-9414	166	19	studies	study	NOUN
ejif-9414	166	20	,	,	PUNCT
ejif-9414	166	21	and	and	CCONJ
ejif-9414	166	22	it	it	PRON
ejif-9414	166	23	was	be	AUX
ejif-9414	166	24	revealed	reveal	VERB
ejif-9414	166	25	that	that	SCONJ
ejif-9414	166	26	islamic	islamic	ADJ
ejif-9414	166	27	microfinance	microfinance	NOUN
ejif-9414	166	28	has	have	VERB
ejif-9414	166	29	the	the	DET
ejif-9414	166	30	potential	potential	NOUN
ejif-9414	166	31	to	to	PART
ejif-9414	166	32	alleviate	alleviate	VERB
ejif-9414	166	33	poverty	poverty	NOUN
ejif-9414	166	34	in	in	ADP
ejif-9414	166	35	the	the	DET
ejif-9414	166	36	bauchi	bauchi	ADJ
ejif-9414	166	37	state	state	NOUN
ejif-9414	166	38	of	of	ADP
ejif-9414	166	39	nigeria	nigeria	PROPN
ejif-9414	166	40	.	.	PUNCT
ejif-9414	167	1	however	however	ADV
ejif-9414	167	2	,	,	PUNCT
ejif-9414	167	3	salaudeen	salaudeen	NOUN
ejif-9414	167	4	and	and	CCONJ
ejif-9414	167	5	zakariyah	zakariyah	PROPN
ejif-9414	167	6	(	(	PUNCT
ejif-9414	167	7	2022	2022	NUM
ejif-9414	167	8	)	)	PUNCT
ejif-9414	167	9	examined	examine	VERB
ejif-9414	167	10	the	the	DET
ejif-9414	167	11	obstacles	obstacle	NOUN
ejif-9414	167	12	impeding	impede	VERB
ejif-9414	167	13	islamic	islamic	ADJ
ejif-9414	167	14	microfinance	microfinance	NOUN
ejif-9414	167	15	’s	’s	PART
ejif-9414	167	16	contribution	contribution	NOUN
ejif-9414	167	17	towards	towards	ADP
ejif-9414	167	18	financial	financial	ADJ
ejif-9414	167	19	inclusion	inclusion	NOUN
ejif-9414	167	20	in	in	ADP
ejif-9414	167	21	nigeria	nigeria	PROPN
ejif-9414	167	22	.	.	PUNCT
ejif-9414	168	1	the	the	DET
ejif-9414	168	2	semi	semi	ADJ
ejif-9414	168	3	-	-	ADJ
ejif-9414	168	4	structured	structured	ADJ
ejif-9414	168	5	interview	interview	NOUN
ejif-9414	168	6	was	be	AUX
ejif-9414	168	7	used	use	VERB
ejif-9414	168	8	for	for	ADP
ejif-9414	168	9	data	data	NOUN
ejif-9414	168	10	collection	collection	NOUN
ejif-9414	168	11	.	.	PUNCT
ejif-9414	169	1	results	result	NOUN
ejif-9414	169	2	of	of	ADP
ejif-9414	169	3	data	datum	NOUN
ejif-9414	169	4	analysis	analysis	NOUN
ejif-9414	169	5	showed	show	VERB
ejif-9414	169	6	that	that	SCONJ
ejif-9414	169	7	regulatory	regulatory	ADJ
ejif-9414	169	8	obstacles	obstacle	NOUN
ejif-9414	169	9	,	,	PUNCT
ejif-9414	169	10	acceptability	acceptability	NOUN
ejif-9414	169	11	,	,	PUNCT
ejif-9414	169	12	misconceptions	misconception	NOUN
ejif-9414	169	13	,	,	PUNCT
ejif-9414	169	14	and	and	CCONJ
ejif-9414	169	15	awareness	awareness	NOUN
ejif-9414	169	16	are	be	AUX
ejif-9414	169	17	the	the	DET
ejif-9414	169	18	major	major	ADJ
ejif-9414	169	19	impediments	impediment	NOUN
ejif-9414	169	20	to	to	ADP
ejif-9414	169	21	islamic	islamic	ADJ
ejif-9414	169	22	microfinance	microfinance	NOUN
ejif-9414	169	23	in	in	ADP
ejif-9414	169	24	nigeria	nigeria	PROPN
ejif-9414	169	25	.	.	PUNCT
ejif-9414	170	1	previous	previous	ADJ
ejif-9414	170	2	studies	study	NOUN
ejif-9414	170	3	(	(	PUNCT
ejif-9414	170	4	such	such	ADJ
ejif-9414	170	5	as	as	ADP
ejif-9414	170	6	adnan	adnan	PROPN
ejif-9414	170	7	&	&	CCONJ
ejif-9414	170	8	ajija	ajija	PROPN
ejif-9414	170	9	,	,	PUNCT
ejif-9414	170	10	2015	2015	NUM
ejif-9414	170	11	;	;	PUNCT
ejif-9414	170	12	ibrahim	ibrahim	PROPN
ejif-9414	170	13	&	&	CCONJ
ejif-9414	170	14	murtala	murtala	NOUN
ejif-9414	170	15	,	,	PUNCT
ejif-9414	170	16	2018	2018	NUM
ejif-9414	170	17	;	;	PUNCT
ejif-9414	170	18	and	and	CCONJ
ejif-9414	170	19	alaro	alaro	NOUN
ejif-9414	170	20	&	&	CCONJ
ejif-9414	170	21	alalubosa	alalubosa	PROPN
ejif-9414	170	22	,	,	PUNCT
ejif-9414	170	23	2019	2019	NUM
ejif-9414	170	24	)	)	PUNCT
ejif-9414	170	25	concentrated	concentrate	VERB
ejif-9414	170	26	on	on	ADP
ejif-9414	170	27	microcredit	microcredit	PROPN
ejif-9414	170	28	and	and	CCONJ
ejif-9414	170	29	micro	micro	ADJ
ejif-9414	170	30	-	-	NOUN
ejif-9414	170	31	equity	equity	ADJ
ejif-9414	170	32	financing	financing	NOUN
ejif-9414	170	33	,	,	PUNCT
ejif-9414	170	34	such	such	ADJ
ejif-9414	170	35	as	as	ADP
ejif-9414	170	36	mudarabah	mudarabah	NOUN
ejif-9414	170	37	,	,	PUNCT
ejif-9414	170	38	musharakah	musharakah	PROPN
ejif-9414	170	39	,	,	PUNCT
ejif-9414	170	40	murabahah	murabahah	PROPN
ejif-9414	170	41	,	,	PUNCT
ejif-9414	170	42	ijarah	ijarah	PROPN
ejif-9414	170	43	,	,	PUNCT
ejif-9414	170	44	and	and	CCONJ
ejif-9414	170	45	qard	qard	PROPN
ejif-9414	170	46	hasan	hasan	PROPN
ejif-9414	170	47	,	,	PUNCT
ejif-9414	170	48	while	while	SCONJ
ejif-9414	170	49	excluding	exclude	VERB
ejif-9414	170	50	the	the	DET
ejif-9414	170	51	social	social	ADJ
ejif-9414	170	52	financing	financing	NOUN
ejif-9414	170	53	model	model	NOUN
ejif-9414	170	54	of	of	ADP
ejif-9414	170	55	zakah	zakah	PROPN
ejif-9414	170	56	,	,	PUNCT
ejif-9414	170	57	sadaqah	sadaqah	NOUN
ejif-9414	170	58	,	,	PUNCT
ejif-9414	170	59	and	and	CCONJ
ejif-9414	170	60	waqf	waqf	NOUN
ejif-9414	170	61	.	.	PUNCT
ejif-9414	171	1	this	this	DET
ejif-9414	171	2	study	study	NOUN
ejif-9414	171	3	considered	consider	VERB
ejif-9414	171	4	all	all	DET
ejif-9414	171	5	three	three	NUM
ejif-9414	171	6	models	model	NOUN
ejif-9414	171	7	of	of	ADP
ejif-9414	171	8	microfinancing	microfinance	VERB
ejif-9414	171	9	for	for	ADP
ejif-9414	171	10	addressing	address	VERB
ejif-9414	171	11	poverty	poverty	NOUN
ejif-9414	171	12	in	in	ADP
ejif-9414	171	13	kwara	kwara	PROPN
ejif-9414	171	14	state	state	PROPN
ejif-9414	171	15	,	,	PUNCT
ejif-9414	171	16	nigeria	nigeria	PROPN
ejif-9414	171	17	.	.	PUNCT
ejif-9414	172	1	3	3	X
ejif-9414	172	2	.	.	X
ejif-9414	172	3	methodology	methodology	NOUN
ejif-9414	172	4	this	this	DET
ejif-9414	172	5	study	study	NOUN
ejif-9414	172	6	made	make	VERB
ejif-9414	172	7	use	use	NOUN
ejif-9414	172	8	of	of	ADP
ejif-9414	172	9	the	the	DET
ejif-9414	172	10	survey	survey	NOUN
ejif-9414	172	11	research	research	NOUN
ejif-9414	172	12	design	design	NOUN
ejif-9414	172	13	.	.	PUNCT
ejif-9414	173	1	the	the	DET
ejif-9414	173	2	study	study	NOUN
ejif-9414	173	3	population	population	NOUN
ejif-9414	173	4	includes	include	VERB
ejif-9414	173	5	small	small	ADJ
ejif-9414	173	6	business	business	NOUN
ejif-9414	173	7	owners	owner	NOUN
ejif-9414	173	8	and	and	CCONJ
ejif-9414	173	9	petty	petty	ADJ
ejif-9414	173	10	traders	trader	NOUN
ejif-9414	173	11	in	in	ADP
ejif-9414	173	12	kwara	kwara	PROPN
ejif-9414	173	13	state	state	PROPN
ejif-9414	173	14	.	.	PUNCT
ejif-9414	174	1	non	non	ADJ
ejif-9414	174	2	-	-	NOUN
ejif-9414	174	3	probability	probability	ADJ
ejif-9414	174	4	,	,	PUNCT
ejif-9414	174	5	purposive	purposive	ADJ
ejif-9414	174	6	sampling	sampling	NOUN
ejif-9414	174	7	was	be	AUX
ejif-9414	174	8	adopted	adopt	VERB
ejif-9414	174	9	to	to	PART
ejif-9414	174	10	select	select	VERB
ejif-9414	174	11	traders	trader	NOUN
ejif-9414	174	12	and	and	CCONJ
ejif-9414	174	13	small	small	ADJ
ejif-9414	174	14	business	business	NOUN
ejif-9414	174	15	owners	owner	NOUN
ejif-9414	174	16	from	from	ADP
ejif-9414	174	17	the	the	DET
ejif-9414	174	18	weekly	weekly	ADJ
ejif-9414	174	19	-	-	PUNCT
ejif-9414	174	20	market	market	NOUN
ejif-9414	174	21	setting	setting	NOUN
ejif-9414	174	22	of	of	ADP
ejif-9414	174	23	selected	select	VERB
ejif-9414	174	24	towns	town	NOUN
ejif-9414	174	25	/	/	SYM
ejif-9414	174	26	villages	village	NOUN
ejif-9414	174	27	in	in	ADP
ejif-9414	174	28	the	the	DET
ejif-9414	174	29	three	three	NUM
ejif-9414	174	30	senatorial	senatorial	ADJ
ejif-9414	174	31	districts	district	NOUN
ejif-9414	174	32	of	of	ADP
ejif-9414	174	33	kwara	kwara	PROPN
ejif-9414	174	34	state	state	PROPN
ejif-9414	174	35	.	.	PUNCT
ejif-9414	175	1	five	five	NUM
ejif-9414	175	2	(	(	PUNCT
ejif-9414	175	3	5	5	NUM
ejif-9414	175	4	)	)	PUNCT
ejif-9414	175	5	markets	market	NOUN
ejif-9414	175	6	were	be	AUX
ejif-9414	175	7	selected	select	VERB
ejif-9414	175	8	from	from	ADP
ejif-9414	175	9	the	the	DET
ejif-9414	175	10	three	three	NUM
ejif-9414	175	11	(	(	PUNCT
ejif-9414	175	12	3	3	NUM
ejif-9414	175	13	)	)	PUNCT
ejif-9414	175	14	senatorial	senatorial	ADJ
ejif-9414	175	15	districts	district	NOUN
ejif-9414	175	16	,	,	PUNCT
ejif-9414	175	17	totalling	total	VERB
ejif-9414	175	18	15	15	NUM
ejif-9414	175	19	.	.	PUNCT
ejif-9414	176	1	the	the	DET
ejif-9414	176	2	markets	market	NOUN
ejif-9414	176	3	include	include	VERB
ejif-9414	176	4	ilesha	ilesha	PROPN
ejif-9414	176	5	baruba	baruba	PROPN
ejif-9414	176	6	,	,	PUNCT
ejif-9414	176	7	kiama	kiama	PROPN
ejif-9414	176	8	,	,	PUNCT
ejif-9414	176	9	gbugbu	gbugbu	NOUN
ejif-9414	176	10	,	,	PUNCT
ejif-9414	176	11	lafiagi	lafiagi	NOUN
ejif-9414	176	12	,	,	PUNCT
ejif-9414	176	13	and	and	CCONJ
ejif-9414	176	14	patigi	patigi	NOUN
ejif-9414	176	15	markets	market	NOUN
ejif-9414	176	16	from	from	ADP
ejif-9414	176	17	kwara	kwara	PROPN
ejif-9414	176	18	north	north	PROPN
ejif-9414	176	19	.	.	PUNCT
ejif-9414	177	1	in	in	ADP
ejif-9414	177	2	kwara	kwara	PROPN
ejif-9414	177	3	south	south	PROPN
ejif-9414	177	4	,	,	PUNCT
ejif-9414	177	5	ganmo	ganmo	PROPN
ejif-9414	177	6	,	,	PUNCT
ejif-9414	177	7	owode	owode	ADJ
ejif-9414	177	8	-	-	PUNCT
ejif-9414	177	9	offa	offa	NOUN
ejif-9414	177	10	,	,	PUNCT
ejif-9414	177	11	ajase	ajase	ADV
ejif-9414	177	12	,	,	PUNCT
ejif-9414	177	13	oro	oro	PROPN
ejif-9414	177	14	and	and	CCONJ
ejif-9414	177	15	iyana	iyana	PROPN
ejif-9414	177	16	share	share	NOUN
ejif-9414	177	17	markets	market	NOUN
ejif-9414	177	18	were	be	AUX
ejif-9414	177	19	selected	select	VERB
ejif-9414	177	20	.	.	PUNCT
ejif-9414	178	1	the	the	DET
ejif-9414	178	2	sample	sample	NOUN
ejif-9414	178	3	also	also	ADV
ejif-9414	178	4	included	include	VERB
ejif-9414	178	5	bode	bode	NOUN
ejif-9414	178	6	saadu	saadu	ADJ
ejif-9414	178	7	,	,	PUNCT
ejif-9414	178	8	aboto	aboto	NOUN
ejif-9414	178	9	,	,	PUNCT
ejif-9414	178	10	ipata	ipata	NOUN
ejif-9414	178	11	,	,	PUNCT
ejif-9414	178	12	oja	oja	NOUN
ejif-9414	178	13	-	-	PUNCT
ejif-9414	178	14	oba	oba	PROPN
ejif-9414	178	15	and	and	CCONJ
ejif-9414	178	16	alapa	alapa	NOUN
ejif-9414	178	17	markets	market	NOUN
ejif-9414	178	18	from	from	ADP
ejif-9414	178	19	kwara	kwara	PROPN
ejif-9414	178	20	central	central	ADJ
ejif-9414	178	21	senatorial	senatorial	ADJ
ejif-9414	178	22	district	district	NOUN
ejif-9414	178	23	.	.	PUNCT
ejif-9414	179	1	data	datum	NOUN
ejif-9414	179	2	were	be	AUX
ejif-9414	179	3	collected	collect	VERB
ejif-9414	179	4	with	with	ADP
ejif-9414	179	5	a	a	DET
ejif-9414	179	6	structured	structured	ADJ
ejif-9414	179	7	questionnaire	questionnaire	NOUN
ejif-9414	179	8	to	to	PART
ejif-9414	179	9	obtain	obtain	VERB
ejif-9414	179	10	relevant	relevant	ADJ
ejif-9414	179	11	data	datum	NOUN
ejif-9414	179	12	from	from	ADP
ejif-9414	179	13	the	the	DET
ejif-9414	179	14	poor	poor	ADJ
ejif-9414	179	15	rural	rural	ADJ
ejif-9414	179	16	area	area	NOUN
ejif-9414	179	17	residents	resident	NOUN
ejif-9414	179	18	.	.	PUNCT
ejif-9414	180	1	100	100	NUM
ejif-9414	180	2	copies	copy	NOUN
ejif-9414	180	3	of	of	ADP
ejif-9414	180	4	the	the	DET
ejif-9414	180	5	questionnaire	questionnaire	NOUN
ejif-9414	180	6	were	be	AUX
ejif-9414	180	7	administered	administer	VERB
ejif-9414	180	8	to	to	ADP
ejif-9414	180	9	respondents	respondent	NOUN
ejif-9414	180	10	in	in	ADP
ejif-9414	180	11	the	the	DET
ejif-9414	180	12	15	15	NUM
ejif-9414	180	13	markets	market	NOUN
ejif-9414	180	14	selected	select	VERB
ejif-9414	180	15	for	for	ADP
ejif-9414	180	16	the	the	DET
ejif-9414	180	17	study	study	NOUN
ejif-9414	180	18	.	.	PUNCT
ejif-9414	181	1	the	the	DET
ejif-9414	181	2	questionnaire	questionnaire	NOUN
ejif-9414	181	3	was	be	AUX
ejif-9414	181	4	structured	structure	VERB
ejif-9414	181	5	in	in	ADP
ejif-9414	181	6	such	such	DET
ejif-9414	181	7	a	a	DET
ejif-9414	181	8	way	way	NOUN
ejif-9414	181	9	that	that	PRON
ejif-9414	181	10	the	the	DET
ejif-9414	181	11	respondents	respondent	NOUN
ejif-9414	181	12	were	be	AUX
ejif-9414	181	13	able	able	ADJ
ejif-9414	181	14	to	to	PART
ejif-9414	181	15	provide	provide	VERB
ejif-9414	181	16	information	information	NOUN
ejif-9414	181	17	about	about	ADP
ejif-9414	181	18	sources	source	NOUN
ejif-9414	181	19	of	of	ADP
ejif-9414	181	20	financing	financing	NOUN
ejif-9414	181	21	for	for	ADP
ejif-9414	181	22	their	their	PRON
ejif-9414	181	23	businesses	business	NOUN
ejif-9414	181	24	.	.	PUNCT
ejif-9414	182	1	the	the	DET
ejif-9414	182	2	information	information	NOUN
ejif-9414	182	3	was	be	AUX
ejif-9414	182	4	then	then	ADV
ejif-9414	182	5	used	use	VERB
ejif-9414	182	6	to	to	PART
ejif-9414	182	7	classify	classify	VERB
ejif-9414	182	8	the	the	DET
ejif-9414	182	9	finances	finance	NOUN
ejif-9414	182	10	under	under	ADP
ejif-9414	182	11	different	different	ADJ
ejif-9414	182	12	microfinancing	microfinancing	NOUN
ejif-9414	182	13	models	model	NOUN
ejif-9414	182	14	as	as	ADV
ejif-9414	182	15	long	long	ADV
ejif-9414	182	16	as	as	SCONJ
ejif-9414	182	17	they	they	PRON
ejif-9414	182	18	were	be	AUX
ejif-9414	182	19	shariah	shariah	PROPN
ejif-9414	182	20	-	-	PUNCT
ejif-9414	182	21	compliant	compliant	NOUN
ejif-9414	182	22	.	.	PUNCT
ejif-9414	183	1	the	the	DET
ejif-9414	183	2	data	datum	NOUN
ejif-9414	183	3	were	be	AUX
ejif-9414	183	4	analyzed	analyze	VERB
ejif-9414	183	5	with	with	ADP
ejif-9414	183	6	descriptive	descriptive	ADJ
ejif-9414	183	7	statistics	statistic	NOUN
ejif-9414	183	8	and	and	CCONJ
ejif-9414	183	9	inferential	inferential	ADJ
ejif-9414	183	10	statistics	statistic	NOUN
ejif-9414	183	11	.	.	PUNCT
ejif-9414	184	1	the	the	DET
ejif-9414	184	2	descriptive	descriptive	ADJ
ejif-9414	184	3	analysis	analysis	NOUN
ejif-9414	184	4	includes	include	VERB
ejif-9414	184	5	the	the	DET
ejif-9414	184	6	use	use	NOUN
ejif-9414	184	7	of	of	ADP
ejif-9414	184	8	tables	table	NOUN
ejif-9414	184	9	.	.	PUNCT
ejif-9414	185	1	ordered	order	VERB
ejif-9414	185	2	logistic	logistic	ADJ
ejif-9414	185	3	regression	regression	NOUN
ejif-9414	185	4	was	be	AUX
ejif-9414	185	5	conducted	conduct	VERB
ejif-9414	185	6	for	for	ADP
ejif-9414	185	7	the	the	DET
ejif-9414	185	8	main	main	ADJ
ejif-9414	185	9	data	datum	NOUN
ejif-9414	185	10	analysis	analysis	NOUN
ejif-9414	185	11	.	.	PUNCT
ejif-9414	186	1	4	4	X
ejif-9414	186	2	.	.	NOUN
ejif-9414	186	3	results	result	NOUN
ejif-9414	186	4	and	and	CCONJ
ejif-9414	186	5	discussion	discussion	NOUN
ejif-9414	186	6	4.1	4.1	NUM
ejif-9414	186	7	demographic	demographic	ADJ
ejif-9414	186	8	characteristics	characteristic	NOUN
ejif-9414	186	9	of	of	ADP
ejif-9414	186	10	respondents	respondent	NOUN
ejif-9414	186	11	table	table	NOUN
ejif-9414	186	12	1	1	NUM
ejif-9414	186	13	shows	show	VERB
ejif-9414	186	14	some	some	DET
ejif-9414	186	15	demographic	demographic	ADJ
ejif-9414	186	16	characteristics	characteristic	NOUN
ejif-9414	186	17	of	of	ADP
ejif-9414	186	18	respondents	respondent	NOUN
ejif-9414	186	19	.	.	PUNCT
ejif-9414	187	1	one	one	NUM
ejif-9414	187	2	thousand	thousand	NUM
ejif-9414	187	3	five	five	NUM
ejif-9414	187	4	hundred	hundred	NUM
ejif-9414	187	5	(	(	PUNCT
ejif-9414	187	6	1500	1500	NUM
ejif-9414	187	7	)	)	PUNCT
ejif-9414	187	8	copies	copy	NOUN
ejif-9414	187	9	of	of	ADP
ejif-9414	187	10	the	the	DET
ejif-9414	187	11	questionnaire	questionnaire	NOUN
ejif-9414	187	12	were	be	AUX
ejif-9414	187	13	administered	administer	VERB
ejif-9414	187	14	,	,	PUNCT
ejif-9414	187	15	out	out	ADP
ejif-9414	187	16	of	of	ADP
ejif-9414	187	17	which	which	PRON
ejif-9414	188	1	one	one	NUM
ejif-9414	188	2	thousand	thousand	NUM
ejif-9414	188	3	two	two	NUM
ejif-9414	188	4	hundred	hundred	NUM
ejif-9414	188	5	and	and	CCONJ
ejif-9414	188	6	seventy	seventy	NUM
ejif-9414	188	7	-	-	PUNCT
ejif-9414	188	8	five	five	NUM
ejif-9414	188	9	(	(	PUNCT
ejif-9414	188	10	1275	1275	NUM
ejif-9414	188	11	)	)	PUNCT
ejif-9414	188	12	copies	copy	NOUN
ejif-9414	188	13	,	,	PUNCT
ejif-9414	188	14	representing	represent	VERB
ejif-9414	188	15	91	91	NUM
ejif-9414	188	16	%	%	NOUN
ejif-9414	188	17	,	,	PUNCT
ejif-9414	188	18	were	be	AUX
ejif-9414	188	19	returned	return	VERB
ejif-9414	188	20	and	and	CCONJ
ejif-9414	188	21	used	use	VERB
ejif-9414	188	22	for	for	ADP
ejif-9414	188	23	the	the	DET
ejif-9414	188	24	analysis	analysis	NOUN
ejif-9414	188	25	.	.	PUNCT
ejif-9414	189	1	the	the	DET
ejif-9414	189	2	remaining	remain	VERB
ejif-9414	189	3	225	225	NUM
ejif-9414	189	4	copies	copy	NOUN
ejif-9414	189	5	were	be	AUX
ejif-9414	189	6	wrongly	wrongly	ADV
ejif-9414	189	7	filled	fill	VERB
ejif-9414	189	8	out/	out/	NOUN
ejif-9414	189	9	unreturned	unreturned	ADJ
ejif-9414	189	10	and	and	CCONJ
ejif-9414	189	11	not	not	PART
ejif-9414	189	12	used	use	VERB
ejif-9414	189	13	for	for	ADP
ejif-9414	189	14	the	the	DET
ejif-9414	189	15	study	study	NOUN
ejif-9414	189	16	.	.	PUNCT
ejif-9414	190	1	european	european	PROPN
ejif-9414	190	2	journal	journal	PROPN
ejif-9414	190	3	of	of	ADP
ejif-9414	190	4	islamic	islamic	PROPN
ejif-9414	190	5	finance	finance	PROPN
ejif-9414	190	6	issn	issn	PROPN
ejif-9414	190	7	:	:	PUNCT
ejif-9414	190	8	2421	2421	NUM
ejif-9414	190	9	-	-	SYM
ejif-9414	190	10	2172	2172	NUM
ejif-9414	190	11	doi	doi	NOUN
ejif-9414	190	12	:	:	PUNCT
ejif-9414	190	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	190	14	-	-	SYM
ejif-9414	190	15	2172/9414	2172/9414	NUM
ejif-9414	190	16	published	publish	VERB
ejif-9414	190	17	by	by	ADP
ejif-9414	190	18	university	university	PROPN
ejif-9414	190	19	of	of	ADP
ejif-9414	190	20	turin	turin	PROPN
ejif-9414	191	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	191	2	ejif	ejif	PROPN
ejif-9414	191	3	content	content	NOUN
ejif-9414	191	4	is	be	AUX
ejif-9414	191	5	licensed	license	VERB
ejif-9414	191	6	under	under	ADP
ejif-9414	191	7	a	a	DET
ejif-9414	191	8	creative	creative	ADJ
ejif-9414	191	9	commons	common	NOUN
ejif-9414	191	10	attribution	attribution	NOUN
ejif-9414	191	11	4.0	4.0	NUM
ejif-9414	191	12	international	international	ADJ
ejif-9414	191	13	license	license	NOUN
ejif-9414	191	14	24	24	NUM
ejif-9414	191	15	table	table	NOUN
ejif-9414	191	16	1	1	NUM
ejif-9414	191	17	:	:	PUNCT
ejif-9414	191	18	questionnaire	questionnaire	NOUN
ejif-9414	191	19	retrieval	retrieval	NOUN
ejif-9414	191	20	analysis	analysis	NOUN
ejif-9414	191	21	questionnaire	questionnaire	NOUN
ejif-9414	191	22	frequency	frequency	NOUN
ejif-9414	191	23	percentage	percentage	NOUN
ejif-9414	191	24	(	(	PUNCT
ejif-9414	191	25	%	%	INTJ
ejif-9414	191	26	)	)	PUNCT
ejif-9414	191	27	returned	return	VERB
ejif-9414	191	28	copies	copy	NOUN
ejif-9414	191	29	1275	1275	NUM
ejif-9414	191	30	85.00	85.00	NUM
ejif-9414	191	31	wrongly	wrongly	ADV
ejif-9414	191	32	filed	file	VERB
ejif-9414	191	33	/	/	SYM
ejif-9414	191	34	unreturned	unreturned	ADJ
ejif-9414	191	35	copies	copy	NOUN
ejif-9414	191	36	225	225	NUM
ejif-9414	191	37	15.00	15.00	NUM
ejif-9414	191	38	copies	copy	NOUN
ejif-9414	191	39	administered	administer	VERB
ejif-9414	191	40	1500	1500	NUM
ejif-9414	191	41	100.00	100.00	NUM
ejif-9414	191	42	source	source	NOUN
ejif-9414	191	43	:	:	PUNCT
ejif-9414	191	44	field	field	NOUN
ejif-9414	191	45	survey	survey	NOUN
ejif-9414	191	46	(	(	PUNCT
ejif-9414	191	47	2024	2024	NUM
ejif-9414	191	48	)	)	PUNCT
ejif-9414	191	49	.	.	PUNCT
ejif-9414	192	1	confirmatory	confirmatory	NOUN
ejif-9414	192	2	factor	factor	NOUN
ejif-9414	192	3	analysis	analysis	NOUN
ejif-9414	192	4	was	be	AUX
ejif-9414	192	5	performed	perform	VERB
ejif-9414	192	6	regarding	regard	VERB
ejif-9414	192	7	construct	construct	NOUN
ejif-9414	192	8	validity	validity	NOUN
ejif-9414	192	9	in	in	ADP
ejif-9414	192	10	terms	term	NOUN
ejif-9414	192	11	of	of	ADP
ejif-9414	192	12	convergent	convergent	NOUN
ejif-9414	192	13	validity	validity	NOUN
ejif-9414	192	14	.	.	PUNCT
ejif-9414	193	1	kaiser	kaiser	NOUN
ejif-9414	193	2	-	-	PUNCT
ejif-9414	193	3	meyerolkin	meyerolkin	PROPN
ejif-9414	193	4	(	(	PUNCT
ejif-9414	193	5	kmo	kmo	NOUN
ejif-9414	193	6	)	)	PUNCT
ejif-9414	193	7	and	and	CCONJ
ejif-9414	193	8	bartlett	bartlett	PROPN
ejif-9414	193	9	’s	’s	PART
ejif-9414	193	10	tests	test	NOUN
ejif-9414	193	11	were	be	AUX
ejif-9414	193	12	performed	perform	VERB
ejif-9414	193	13	.	.	PUNCT
ejif-9414	194	1	the	the	DET
ejif-9414	194	2	kmo	kmo	PROPN
ejif-9414	194	3	measures	measure	NOUN
ejif-9414	194	4	sampling	sample	VERB
ejif-9414	194	5	adequacy	adequacy	NOUN
ejif-9414	194	6	and	and	CCONJ
ejif-9414	194	7	ranges	range	NOUN
ejif-9414	194	8	between	between	ADP
ejif-9414	194	9	0	0	NUM
ejif-9414	194	10	and	and	CCONJ
ejif-9414	194	11	1.0	1.0	NUM
ejif-9414	194	12	.	.	PUNCT
ejif-9414	195	1	the	the	DET
ejif-9414	195	2	kmo	kmo	PROPN
ejif-9414	195	3	test	test	NOUN
ejif-9414	195	4	was	be	AUX
ejif-9414	195	5	used	use	VERB
ejif-9414	195	6	to	to	PART
ejif-9414	195	7	measure	measure	VERB
ejif-9414	195	8	sample	sample	NOUN
ejif-9414	195	9	adequacy	adequacy	NOUN
ejif-9414	195	10	and	and	CCONJ
ejif-9414	195	11	determine	determine	VERB
ejif-9414	195	12	the	the	DET
ejif-9414	195	13	level	level	NOUN
ejif-9414	195	14	of	of	ADP
ejif-9414	195	15	partial	partial	ADJ
ejif-9414	195	16	correlation	correlation	NOUN
ejif-9414	195	17	between	between	ADP
ejif-9414	195	18	variables	variable	NOUN
ejif-9414	195	19	.	.	PUNCT
ejif-9414	196	1	the	the	DET
ejif-9414	196	2	kmo	kmo	PROPN
ejif-9414	196	3	value	value	NOUN
ejif-9414	196	4	ranges	range	VERB
ejif-9414	196	5	from	from	ADP
ejif-9414	196	6	0	0	NUM
ejif-9414	196	7	to	to	ADP
ejif-9414	196	8	1	1	NUM
ejif-9414	196	9	.	.	PUNCT
ejif-9414	197	1	the	the	DET
ejif-9414	197	2	kmo	kmo	PROPN
ejif-9414	197	3	value	value	NOUN
ejif-9414	197	4	should	should	AUX
ejif-9414	197	5	be	be	AUX
ejif-9414	197	6	as	as	ADP
ejif-9414	197	7	near	near	ADJ
ejif-9414	197	8	to	to	ADP
ejif-9414	197	9	1.0	1.0	NUM
ejif-9414	197	10	as	as	ADP
ejif-9414	197	11	possible	possible	ADJ
ejif-9414	197	12	.	.	PUNCT
ejif-9414	198	1	a	a	DET
ejif-9414	198	2	kmo	kmo	PROPN
ejif-9414	198	3	value	value	NOUN
ejif-9414	198	4	from	from	ADP
ejif-9414	198	5	0.8	0.8	NUM
ejif-9414	198	6	to	to	PART
ejif-9414	198	7	1	1	NUM
ejif-9414	198	8	indicates	indicate	VERB
ejif-9414	198	9	the	the	DET
ejif-9414	198	10	adequacy	adequacy	NOUN
ejif-9414	198	11	of	of	ADP
ejif-9414	198	12	the	the	DET
ejif-9414	198	13	sample	sample	NOUN
ejif-9414	198	14	selected	select	VERB
ejif-9414	198	15	for	for	ADP
ejif-9414	198	16	the	the	DET
ejif-9414	198	17	study	study	NOUN
ejif-9414	198	18	.	.	PUNCT
ejif-9414	199	1	this	this	PRON
ejif-9414	199	2	means	mean	VERB
ejif-9414	199	3	that	that	SCONJ
ejif-9414	199	4	a	a	DET
ejif-9414	199	5	kmo	kmo	NOUN
ejif-9414	199	6	of	of	ADP
ejif-9414	199	7	at	at	ADV
ejif-9414	199	8	least	least	ADV
ejif-9414	199	9	0.80	0.80	NUM
ejif-9414	199	10	indicates	indicate	VERB
ejif-9414	199	11	that	that	SCONJ
ejif-9414	199	12	the	the	DET
ejif-9414	199	13	sample	sample	NOUN
ejif-9414	199	14	is	be	AUX
ejif-9414	199	15	suitable	suitable	ADJ
ejif-9414	199	16	for	for	ADP
ejif-9414	199	17	the	the	DET
ejif-9414	199	18	analysis	analysis	NOUN
ejif-9414	199	19	and	and	CCONJ
ejif-9414	199	20	generalisation	generalisation	NOUN
ejif-9414	199	21	of	of	ADP
ejif-9414	199	22	study	study	NOUN
ejif-9414	199	23	findings	finding	NOUN
ejif-9414	199	24	.	.	PUNCT
ejif-9414	200	1	according	accord	VERB
ejif-9414	200	2	to	to	ADP
ejif-9414	200	3	table	table	NOUN
ejif-9414	200	4	2	2	NUM
ejif-9414	200	5	,	,	PUNCT
ejif-9414	200	6	the	the	DET
ejif-9414	200	7	kmo	kmo	PROPN
ejif-9414	200	8	value	value	NOUN
ejif-9414	200	9	of	of	ADP
ejif-9414	200	10	each	each	DET
ejif-9414	200	11	construct	construct	NOUN
ejif-9414	200	12	is	be	AUX
ejif-9414	200	13	0.804	0.804	NUM
ejif-9414	200	14	,	,	PUNCT
ejif-9414	200	15	indicating	indicate	VERB
ejif-9414	200	16	that	that	SCONJ
ejif-9414	200	17	the	the	DET
ejif-9414	200	18	selected	select	VERB
ejif-9414	200	19	sample	sample	NOUN
ejif-9414	200	20	is	be	AUX
ejif-9414	200	21	adequate	adequate	ADJ
ejif-9414	200	22	and	and	CCONJ
ejif-9414	200	23	suitable	suitable	ADJ
ejif-9414	200	24	for	for	ADP
ejif-9414	200	25	analysis	analysis	NOUN
ejif-9414	200	26	and	and	CCONJ
ejif-9414	200	27	generalization	generalization	NOUN
ejif-9414	200	28	.	.	PUNCT
ejif-9414	201	1	the	the	DET
ejif-9414	201	2	hypothesis	hypothesis	NOUN
ejif-9414	201	3	underlying	underlie	VERB
ejif-9414	201	4	barlett	barlett	NOUN
ejif-9414	201	5	’s	’s	PART
ejif-9414	201	6	test	test	NOUN
ejif-9414	201	7	of	of	ADP
ejif-9414	201	8	sphericity	sphericity	NOUN
ejif-9414	201	9	is	be	AUX
ejif-9414	201	10	that	that	SCONJ
ejif-9414	201	11	the	the	DET
ejif-9414	201	12	correlation	correlation	NOUN
ejif-9414	201	13	matrix	matrix	NOUN
ejif-9414	201	14	for	for	ADP
ejif-9414	201	15	the	the	DET
ejif-9414	201	16	variables	variable	NOUN
ejif-9414	201	17	is	be	AUX
ejif-9414	201	18	an	an	DET
ejif-9414	201	19	identity	identity	NOUN
ejif-9414	201	20	matrix	matrix	NOUN
ejif-9414	201	21	.	.	PUNCT
ejif-9414	202	1	an	an	DET
ejif-9414	202	2	identity	identity	NOUN
ejif-9414	202	3	matrix	matrix	NOUN
ejif-9414	202	4	means	mean	VERB
ejif-9414	202	5	that	that	SCONJ
ejif-9414	202	6	all	all	DET
ejif-9414	202	7	the	the	DET
ejif-9414	202	8	variables	variable	NOUN
ejif-9414	202	9	are	be	AUX
ejif-9414	202	10	uncorrelated	uncorrelate	VERB
ejif-9414	202	11	.	.	PUNCT
ejif-9414	203	1	the	the	DET
ejif-9414	203	2	hypothesis	hypothesis	NOUN
ejif-9414	203	3	should	should	AUX
ejif-9414	203	4	be	be	AUX
ejif-9414	203	5	rejected	reject	VERB
ejif-9414	203	6	if	if	SCONJ
ejif-9414	203	7	the	the	DET
ejif-9414	203	8	p	p	NOUN
ejif-9414	203	9	-	-	PUNCT
ejif-9414	203	10	value	value	NOUN
ejif-9414	203	11	is	be	AUX
ejif-9414	203	12	less	less	ADJ
ejif-9414	203	13	than	than	ADP
ejif-9414	203	14	a	a	DET
ejif-9414	203	15	5	5	NUM
ejif-9414	203	16	%	%	NOUN
ejif-9414	203	17	significance	significance	NOUN
ejif-9414	203	18	level	level	NOUN
ejif-9414	203	19	,	,	PUNCT
ejif-9414	203	20	and	and	CCONJ
ejif-9414	203	21	the	the	DET
ejif-9414	203	22	conclusion	conclusion	NOUN
ejif-9414	203	23	will	will	AUX
ejif-9414	203	24	be	be	AUX
ejif-9414	203	25	that	that	SCONJ
ejif-9414	203	26	the	the	DET
ejif-9414	203	27	correlation	correlation	NOUN
ejif-9414	203	28	matrix	matrix	NOUN
ejif-9414	203	29	is	be	AUX
ejif-9414	203	30	not	not	PART
ejif-9414	203	31	an	an	DET
ejif-9414	203	32	identity	identity	NOUN
ejif-9414	203	33	matrix	matrix	NOUN
ejif-9414	203	34	.	.	PUNCT
ejif-9414	204	1	rejection	rejection	NOUN
ejif-9414	204	2	of	of	ADP
ejif-9414	204	3	such	such	DET
ejif-9414	204	4	a	a	DET
ejif-9414	204	5	null	null	ADJ
ejif-9414	204	6	hypothesis	hypothesis	NOUN
ejif-9414	204	7	means	mean	VERB
ejif-9414	204	8	the	the	DET
ejif-9414	204	9	variables	variable	NOUN
ejif-9414	204	10	are	be	AUX
ejif-9414	204	11	good	good	ADJ
ejif-9414	204	12	for	for	ADP
ejif-9414	204	13	factor	factor	NOUN
ejif-9414	204	14	analysis	analysis	NOUN
ejif-9414	204	15	.	.	PUNCT
ejif-9414	205	1	the	the	DET
ejif-9414	205	2	results	result	NOUN
ejif-9414	205	3	of	of	ADP
ejif-9414	205	4	barlett	barlett	NOUN
ejif-9414	205	5	’s	’s	PART
ejif-9414	205	6	test	test	NOUN
ejif-9414	205	7	of	of	ADP
ejif-9414	205	8	sphericity	sphericity	NOUN
ejif-9414	205	9	,	,	PUNCT
ejif-9414	205	10	as	as	SCONJ
ejif-9414	205	11	displayed	display	VERB
ejif-9414	205	12	in	in	ADP
ejif-9414	205	13	table	table	NOUN
ejif-9414	205	14	2	2	NUM
ejif-9414	205	15	,	,	PUNCT
ejif-9414	205	16	showed	show	VERB
ejif-9414	205	17	that	that	SCONJ
ejif-9414	205	18	the	the	DET
ejif-9414	205	19	p	p	NOUN
ejif-9414	205	20	-	-	PUNCT
ejif-9414	205	21	value	value	NOUN
ejif-9414	205	22	is	be	AUX
ejif-9414	205	23	0.001	0.001	NUM
ejif-9414	205	24	,	,	PUNCT
ejif-9414	205	25	which	which	PRON
ejif-9414	205	26	is	be	AUX
ejif-9414	205	27	less	less	ADJ
ejif-9414	205	28	than	than	ADP
ejif-9414	205	29	a	a	DET
ejif-9414	205	30	0.05	0.05	NUM
ejif-9414	205	31	level	level	NOUN
ejif-9414	205	32	of	of	ADP
ejif-9414	205	33	significance	significance	NOUN
ejif-9414	205	34	.	.	PUNCT
ejif-9414	206	1	this	this	PRON
ejif-9414	206	2	implies	imply	VERB
ejif-9414	206	3	that	that	SCONJ
ejif-9414	206	4	the	the	DET
ejif-9414	206	5	variables	variable	NOUN
ejif-9414	206	6	are	be	AUX
ejif-9414	206	7	ideal	ideal	ADJ
ejif-9414	206	8	for	for	ADP
ejif-9414	206	9	factor	factor	NOUN
ejif-9414	206	10	analysis	analysis	NOUN
ejif-9414	206	11	and	and	CCONJ
ejif-9414	206	12	that	that	SCONJ
ejif-9414	206	13	all	all	DET
ejif-9414	206	14	measurement	measurement	NOUN
ejif-9414	206	15	items	item	NOUN
ejif-9414	206	16	of	of	ADP
ejif-9414	206	17	each	each	DET
ejif-9414	206	18	sample	sample	NOUN
ejif-9414	206	19	are	be	AUX
ejif-9414	206	20	significant	significant	ADJ
ejif-9414	206	21	at	at	ADP
ejif-9414	206	22	level	level	NOUN
ejif-9414	206	23	0.05	0.05	NUM
ejif-9414	206	24	based	base	VERB
ejif-9414	206	25	on	on	ADP
ejif-9414	206	26	barlett	barlett	PROPN
ejif-9414	206	27	’s	’s	PART
ejif-9414	206	28	test	test	NOUN
ejif-9414	206	29	of	of	ADP
ejif-9414	206	30	sphericity	sphericity	NOUN
ejif-9414	206	31	.	.	PUNCT
ejif-9414	207	1	table	table	NOUN
ejif-9414	207	2	2	2	NUM
ejif-9414	207	3	:	:	PUNCT
ejif-9414	207	4	validity	validity	NOUN
ejif-9414	207	5	tests	test	VERB
ejif-9414	207	6	variables	variable	VERB
ejif-9414	207	7	kmo	kmo	PROPN
ejif-9414	207	8	bartlett	bartlett	PROPN
ejif-9414	207	9	’s	’s	PART
ejif-9414	207	10	test	test	NOUN
ejif-9414	207	11	of	of	ADP
ejif-9414	207	12	sphericity	sphericity	PROPN
ejif-9414	207	13	chi	chi	PROPN
ejif-9414	207	14	-	-	PUNCT
ejif-9414	207	15	square	square	ADJ
ejif-9414	207	16	df	df	NOUN
ejif-9414	207	17	p	p	ADJ
ejif-9414	207	18	-	-	PUNCT
ejif-9414	207	19	value	value	NOUN
ejif-9414	207	20	operational	operational	ADJ
ejif-9414	207	21	questions	question	NOUN
ejif-9414	207	22	.804	.804	NUM
ejif-9414	208	1	964.023	964.023	NUM
ejif-9414	208	2	285	285	NUM
ejif-9414	208	3	0.001	0.001	NUM
ejif-9414	208	4	source	source	NOUN
ejif-9414	208	5	:	:	PUNCT
ejif-9414	208	6	field	field	NOUN
ejif-9414	208	7	survey	survey	NOUN
ejif-9414	208	8	(	(	PUNCT
ejif-9414	208	9	2024	2024	NUM
ejif-9414	208	10	)	)	PUNCT
ejif-9414	208	11	finally	finally	ADV
ejif-9414	208	12	,	,	PUNCT
ejif-9414	208	13	the	the	DET
ejif-9414	208	14	reliability	reliability	NOUN
ejif-9414	208	15	analysis	analysis	NOUN
ejif-9414	208	16	results	result	NOUN
ejif-9414	208	17	in	in	ADP
ejif-9414	208	18	table	table	NOUN
ejif-9414	208	19	3	3	NUM
ejif-9414	208	20	indicate	indicate	VERB
ejif-9414	208	21	that	that	SCONJ
ejif-9414	208	22	the	the	DET
ejif-9414	208	23	instrument	instrument	NOUN
ejif-9414	208	24	is	be	AUX
ejif-9414	208	25	stable	stable	ADJ
ejif-9414	208	26	and	and	CCONJ
ejif-9414	208	27	consistent	consistent	ADJ
ejif-9414	208	28	in	in	ADP
ejif-9414	208	29	measuring	measure	VERB
ejif-9414	208	30	the	the	DET
ejif-9414	208	31	impact	impact	NOUN
ejif-9414	208	32	of	of	ADP
ejif-9414	208	33	islamic	islamic	ADJ
ejif-9414	208	34	microfinance	microfinance	NOUN
ejif-9414	208	35	on	on	ADP
ejif-9414	208	36	poverty	poverty	NOUN
ejif-9414	208	37	alleviation	alleviation	NOUN
ejif-9414	208	38	.	.	PUNCT
ejif-9414	209	1	it	it	PRON
ejif-9414	209	2	can	can	AUX
ejif-9414	209	3	be	be	AUX
ejif-9414	209	4	seen	see	VERB
ejif-9414	209	5	that	that	SCONJ
ejif-9414	209	6	the	the	DET
ejif-9414	209	7	cronbach	cronbach	NOUN
ejif-9414	209	8	’s	’s	PART
ejif-9414	209	9	alpha	alpha	NOUN
ejif-9414	209	10	test	test	NOUN
ejif-9414	209	11	of	of	ADP
ejif-9414	209	12	factors	factor	NOUN
ejif-9414	209	13	(	(	PUNCT
ejif-9414	209	14	qard	qard	PROPN
ejif-9414	209	15	al	al	PROPN
ejif-9414	209	16	hasan	hasan	PROPN
ejif-9414	209	17	,	,	PUNCT
ejif-9414	209	18	murbaha	murbaha	NOUN
ejif-9414	209	19	,	,	PUNCT
ejif-9414	209	20	mudharaba	mudharaba	NOUN
ejif-9414	209	21	,	,	PUNCT
ejif-9414	209	22	musharaka	musharaka	NOUN
ejif-9414	209	23	,	,	PUNCT
ejif-9414	209	24	zakat	zakat	NOUN
ejif-9414	209	25	and	and	CCONJ
ejif-9414	209	26	sadaqa	sadaqa	NOUN
ejif-9414	209	27	)	)	PUNCT
ejif-9414	209	28	influencing	influence	VERB
ejif-9414	209	29	income	income	NOUN
ejif-9414	209	30	level	level	NOUN
ejif-9414	209	31	display	display	NOUN
ejif-9414	209	32	satisfactory	satisfactory	ADJ
ejif-9414	209	33	levels	level	NOUN
ejif-9414	209	34	of	of	ADP
ejif-9414	209	35	reliability	reliability	NOUN
ejif-9414	209	36	with	with	ADP
ejif-9414	209	37	cronbach	cronbach	PROPN
ejif-9414	209	38	’s	’s	PART
ejif-9414	209	39	alpha	alpha	NOUN
ejif-9414	209	40	values	value	NOUN
ejif-9414	209	41	higher	high	ADJ
ejif-9414	209	42	than	than	ADP
ejif-9414	209	43	the	the	DET
ejif-9414	209	44	minimum	minimum	ADJ
ejif-9414	209	45	threshold	threshold	NOUN
ejif-9414	209	46	(	(	PUNCT
ejif-9414	209	47	cronbach	cronbach	PROPN
ejif-9414	209	48	’s	’s	PART
ejif-9414	209	49	alpha	alpha	NOUN
ejif-9414	209	50	>	>	X
ejif-9414	209	51	.70	.70	NUM
ejif-9414	209	52	)	)	PUNCT
ejif-9414	209	53	.	.	PUNCT
ejif-9414	210	1	european	european	PROPN
ejif-9414	210	2	journal	journal	PROPN
ejif-9414	210	3	of	of	ADP
ejif-9414	210	4	islamic	islamic	PROPN
ejif-9414	210	5	finance	finance	PROPN
ejif-9414	210	6	issn	issn	PROPN
ejif-9414	210	7	:	:	PUNCT
ejif-9414	210	8	2421	2421	NUM
ejif-9414	210	9	-	-	SYM
ejif-9414	210	10	2172	2172	NUM
ejif-9414	210	11	doi	doi	NOUN
ejif-9414	210	12	:	:	PUNCT
ejif-9414	210	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	210	14	-	-	SYM
ejif-9414	210	15	2172/9414	2172/9414	NUM
ejif-9414	210	16	published	publish	VERB
ejif-9414	210	17	by	by	ADP
ejif-9414	210	18	university	university	PROPN
ejif-9414	210	19	of	of	ADP
ejif-9414	210	20	turin	turin	PROPN
ejif-9414	211	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	211	2	ejif	ejif	PROPN
ejif-9414	211	3	content	content	NOUN
ejif-9414	211	4	is	be	AUX
ejif-9414	211	5	licensed	license	VERB
ejif-9414	211	6	under	under	ADP
ejif-9414	211	7	a	a	DET
ejif-9414	211	8	creative	creative	ADJ
ejif-9414	211	9	commons	common	NOUN
ejif-9414	211	10	attribution	attribution	NOUN
ejif-9414	211	11	4.0	4.0	NUM
ejif-9414	211	12	international	international	ADJ
ejif-9414	211	13	license	license	NOUN
ejif-9414	211	14	25	25	NUM
ejif-9414	211	15	table	table	NOUN
ejif-9414	211	16	3	3	NUM
ejif-9414	211	17	:	:	PUNCT
ejif-9414	211	18	reliability	reliability	NOUN
ejif-9414	211	19	statistics	statistic	NOUN
ejif-9414	211	20	variables	variable	NOUN
ejif-9414	211	21	cronbach	cronbach	VERB
ejif-9414	211	22	's	's	PART
ejif-9414	211	23	alpha	alpha	NOUN
ejif-9414	211	24	no	no	INTJ
ejif-9414	211	25	.	.	PUNCT
ejif-9414	212	1	of	of	ADP
ejif-9414	212	2	items	item	NOUN
ejif-9414	212	3	income	income	NOUN
ejif-9414	212	4	level	level	NOUN
ejif-9414	212	5	0.89	0.89	NUM
ejif-9414	212	6	2	2	NUM
ejif-9414	212	7	productivity	productivity	NOUN
ejif-9414	212	8	level	level	NOUN
ejif-9414	212	9	0.78	0.78	NUM
ejif-9414	212	10	2	2	NUM
ejif-9414	212	11	qard	qard	NOUN
ejif-9414	212	12	al	al	PROPN
ejif-9414	212	13	hasan	hasan	PROPN
ejif-9414	212	14	0.91	0.91	NUM
ejif-9414	212	15	2	2	NUM
ejif-9414	212	16	murbaha	murbaha	NOUN
ejif-9414	212	17	0.75	0.75	NUM
ejif-9414	212	18	2	2	NUM
ejif-9414	212	19	mudharaba	mudharaba	NOUN
ejif-9414	212	20	0.84	0.84	NUM
ejif-9414	212	21	2	2	NUM
ejif-9414	212	22	musharaka	musharaka	NOUN
ejif-9414	212	23	0.77	0.77	NUM
ejif-9414	212	24	2	2	NUM
ejif-9414	212	25	zakat	zakat	NOUN
ejif-9414	212	26	0.76	0.76	NUM
ejif-9414	212	27	2	2	NUM
ejif-9414	212	28	sadaqa	sadaqa	NOUN
ejif-9414	212	29	0.82	0.82	NUM
ejif-9414	212	30	2	2	NUM
ejif-9414	212	31	source	source	NOUN
ejif-9414	212	32	:	:	PUNCT
ejif-9414	212	33	field	field	NOUN
ejif-9414	212	34	survey	survey	NOUN
ejif-9414	212	35	(	(	PUNCT
ejif-9414	212	36	2024	2024	NUM
ejif-9414	212	37	)	)	PUNCT
ejif-9414	212	38	4.2	4.2	NUM
ejif-9414	212	39	regression	regression	NOUN
ejif-9414	212	40	results	result	NOUN
ejif-9414	212	41	table	table	NOUN
ejif-9414	212	42	4	4	NUM
ejif-9414	212	43	shows	show	VERB
ejif-9414	212	44	the	the	DET
ejif-9414	212	45	ordered	order	VERB
ejif-9414	212	46	logit	logit	PROPN
ejif-9414	212	47	regression	regression	NOUN
ejif-9414	212	48	estimates	estimate	NOUN
ejif-9414	212	49	for	for	ADP
ejif-9414	212	50	the	the	DET
ejif-9414	212	51	factors	factor	NOUN
ejif-9414	212	52	influencing	influence	VERB
ejif-9414	212	53	income	income	NOUN
ejif-9414	212	54	level	level	NOUN
ejif-9414	212	55	to	to	PART
ejif-9414	212	56	measure	measure	VERB
ejif-9414	212	57	poverty	poverty	NOUN
ejif-9414	212	58	alleviation	alleviation	NOUN
ejif-9414	212	59	in	in	ADP
ejif-9414	212	60	kwara	kwara	PROPN
ejif-9414	212	61	state	state	PROPN
ejif-9414	212	62	,	,	PUNCT
ejif-9414	212	63	nigeria	nigeria	PROPN
ejif-9414	212	64	.	.	PUNCT
ejif-9414	213	1	column	column	NOUN
ejif-9414	213	2	1	1	NUM
ejif-9414	213	3	and	and	CCONJ
ejif-9414	213	4	column	column	NOUN
ejif-9414	213	5	2	2	NUM
ejif-9414	213	6	contain	contain	VERB
ejif-9414	213	7	the	the	DET
ejif-9414	213	8	ordered	order	VERB
ejif-9414	213	9	logistic	logistic	ADJ
ejif-9414	213	10	regression	regression	NOUN
ejif-9414	213	11	and	and	CCONJ
ejif-9414	213	12	its	its	PRON
ejif-9414	213	13	marginal	marginal	ADJ
ejif-9414	213	14	effect	effect	NOUN
ejif-9414	213	15	,	,	PUNCT
ejif-9414	213	16	respectively	respectively	ADV
ejif-9414	213	17	.	.	PUNCT
ejif-9414	214	1	the	the	DET
ejif-9414	214	2	coefficient	coefficient	NOUN
ejif-9414	214	3	estimates	estimate	NOUN
ejif-9414	214	4	of	of	ADP
ejif-9414	214	5	the	the	DET
ejif-9414	214	6	regressions	regression	NOUN
ejif-9414	214	7	were	be	AUX
ejif-9414	214	8	used	use	VERB
ejif-9414	214	9	to	to	PART
ejif-9414	214	10	examine	examine	VERB
ejif-9414	214	11	the	the	DET
ejif-9414	214	12	nature	nature	NOUN
ejif-9414	214	13	of	of	ADP
ejif-9414	214	14	the	the	DET
ejif-9414	214	15	relationship	relationship	NOUN
ejif-9414	214	16	and	and	CCONJ
ejif-9414	214	17	significance	significance	NOUN
ejif-9414	214	18	of	of	ADP
ejif-9414	214	19	the	the	DET
ejif-9414	214	20	independent	independent	ADJ
ejif-9414	214	21	variables	variable	NOUN
ejif-9414	214	22	.	.	PUNCT
ejif-9414	215	1	in	in	ADP
ejif-9414	215	2	contrast	contrast	NOUN
ejif-9414	215	3	,	,	PUNCT
ejif-9414	215	4	the	the	DET
ejif-9414	215	5	marginal	marginal	ADJ
ejif-9414	215	6	effect	effect	NOUN
ejif-9414	215	7	was	be	AUX
ejif-9414	215	8	used	use	VERB
ejif-9414	215	9	to	to	PART
ejif-9414	215	10	evaluate	evaluate	VERB
ejif-9414	215	11	the	the	DET
ejif-9414	215	12	extent	extent	NOUN
ejif-9414	215	13	(	(	PUNCT
ejif-9414	215	14	magnitude	magnitude	NOUN
ejif-9414	215	15	or	or	CCONJ
ejif-9414	215	16	size	size	NOUN
ejif-9414	215	17	)	)	PUNCT
ejif-9414	215	18	of	of	ADP
ejif-9414	215	19	the	the	DET
ejif-9414	215	20	impact	impact	NOUN
ejif-9414	215	21	of	of	ADP
ejif-9414	215	22	the	the	DET
ejif-9414	215	23	independent	independent	ADJ
ejif-9414	215	24	variables	variable	NOUN
ejif-9414	215	25	on	on	ADP
ejif-9414	215	26	the	the	DET
ejif-9414	215	27	dependent	dependent	ADJ
ejif-9414	215	28	variable	variable	NOUN
ejif-9414	215	29	.	.	PUNCT
ejif-9414	216	1	in	in	ADP
ejif-9414	216	2	the	the	DET
ejif-9414	216	3	model	model	NOUN
ejif-9414	216	4	,	,	PUNCT
ejif-9414	216	5	income	income	NOUN
ejif-9414	216	6	level	level	NOUN
ejif-9414	216	7	was	be	AUX
ejif-9414	216	8	the	the	DET
ejif-9414	216	9	dependent	dependent	ADJ
ejif-9414	216	10	variable	variable	NOUN
ejif-9414	216	11	while	while	SCONJ
ejif-9414	216	12	qard	qard	PROPN
ejif-9414	216	13	al	al	PROPN
ejif-9414	216	14	hasan	hasan	PROPN
ejif-9414	216	15	,	,	PUNCT
ejif-9414	216	16	murbaha	murbaha	NOUN
ejif-9414	216	17	,	,	PUNCT
ejif-9414	216	18	mudharaba	mudharaba	NOUN
ejif-9414	216	19	,	,	PUNCT
ejif-9414	216	20	musharaka	musharaka	NOUN
ejif-9414	216	21	,	,	PUNCT
ejif-9414	216	22	zakat	zakat	PROPN
ejif-9414	216	23	and	and	CCONJ
ejif-9414	216	24	sadaqa	sadaqa	NOUN
ejif-9414	216	25	were	be	AUX
ejif-9414	216	26	the	the	DET
ejif-9414	216	27	independent	independent	ADJ
ejif-9414	216	28	variables	variable	NOUN
ejif-9414	216	29	influencing	influence	VERB
ejif-9414	216	30	income	income	NOUN
ejif-9414	216	31	level	level	NOUN
ejif-9414	216	32	of	of	ADP
ejif-9414	216	33	low	low	ADJ
ejif-9414	216	34	-	-	PUNCT
ejif-9414	216	35	income	income	NOUN
ejif-9414	216	36	earners	earner	NOUN
ejif-9414	216	37	and	and	CCONJ
ejif-9414	216	38	small	small	ADJ
ejif-9414	216	39	business	business	NOUN
ejif-9414	216	40	owners	owner	NOUN
ejif-9414	216	41	in	in	ADP
ejif-9414	216	42	kwara	kwara	PROPN
ejif-9414	216	43	state	state	PROPN
ejif-9414	216	44	in	in	ADP
ejif-9414	216	45	nigeria	nigeria	PROPN
ejif-9414	216	46	.	.	PUNCT
ejif-9414	217	1	the	the	DET
ejif-9414	217	2	result	result	NOUN
ejif-9414	217	3	of	of	ADP
ejif-9414	217	4	the	the	DET
ejif-9414	217	5	ordered	order	VERB
ejif-9414	217	6	logit	logit	PROPN
ejif-9414	217	7	regression	regression	NOUN
ejif-9414	217	8	in	in	ADP
ejif-9414	217	9	columns	column	NOUN
ejif-9414	217	10	1	1	NUM
ejif-9414	217	11	and	and	CCONJ
ejif-9414	217	12	2	2	NUM
ejif-9414	217	13	revealed	reveal	VERB
ejif-9414	217	14	that	that	SCONJ
ejif-9414	217	15	islamic	islamic	ADJ
ejif-9414	217	16	microfinance	microfinance	NOUN
ejif-9414	217	17	variables	variable	NOUN
ejif-9414	217	18	(	(	PUNCT
ejif-9414	217	19	qard	qard	PROPN
ejif-9414	217	20	al	al	PROPN
ejif-9414	217	21	hasan	hasan	PROPN
ejif-9414	217	22	,	,	PUNCT
ejif-9414	217	23	murbaha	murbaha	NOUN
ejif-9414	217	24	,	,	PUNCT
ejif-9414	217	25	mudharaba	mudharaba	NOUN
ejif-9414	217	26	,	,	PUNCT
ejif-9414	217	27	and	and	CCONJ
ejif-9414	217	28	musharaka	musharaka	PROPN
ejif-9414	217	29	)	)	PUNCT
ejif-9414	217	30	are	be	AUX
ejif-9414	217	31	positively	positively	ADV
ejif-9414	217	32	related	relate	VERB
ejif-9414	217	33	to	to	ADP
ejif-9414	217	34	the	the	DET
ejif-9414	217	35	income	income	NOUN
ejif-9414	217	36	level	level	NOUN
ejif-9414	217	37	of	of	ADP
ejif-9414	217	38	the	the	DET
ejif-9414	217	39	selected	select	VERB
ejif-9414	217	40	low	low	ADJ
ejif-9414	217	41	-	-	PUNCT
ejif-9414	217	42	income	income	NOUN
ejif-9414	217	43	earners	earner	NOUN
ejif-9414	217	44	and	and	CCONJ
ejif-9414	217	45	small	small	ADJ
ejif-9414	217	46	business	business	NOUN
ejif-9414	217	47	owners	owner	NOUN
ejif-9414	217	48	in	in	ADP
ejif-9414	217	49	kwara	kwara	PROPN
ejif-9414	217	50	state	state	PROPN
ejif-9414	217	51	,	,	PUNCT
ejif-9414	217	52	nigeria	nigeria	PROPN
ejif-9414	217	53	.	.	PUNCT
ejif-9414	218	1	from	from	ADP
ejif-9414	218	2	table	table	NOUN
ejif-9414	218	3	4	4	NUM
ejif-9414	218	4	,	,	PUNCT
ejif-9414	218	5	qard	qard	PROPN
ejif-9414	218	6	al	al	PROPN
ejif-9414	218	7	hasan	hasan	PROPN
ejif-9414	218	8	has	have	VERB
ejif-9414	218	9	a	a	DET
ejif-9414	218	10	coefficient	coefficient	NOUN
ejif-9414	218	11	of	of	ADP
ejif-9414	218	12	0.91	0.91	NUM
ejif-9414	218	13	and	and	CCONJ
ejif-9414	218	14	a	a	DET
ejif-9414	218	15	standard	standard	ADJ
ejif-9414	218	16	error	error	NOUN
ejif-9414	218	17	of	of	ADP
ejif-9414	218	18	0.39	0.39	NUM
ejif-9414	218	19	,	,	PUNCT
ejif-9414	218	20	indicating	indicate	VERB
ejif-9414	218	21	that	that	SCONJ
ejif-9414	218	22	an	an	DET
ejif-9414	218	23	increase	increase	NOUN
ejif-9414	218	24	in	in	ADP
ejif-9414	218	25	the	the	DET
ejif-9414	218	26	supply	supply	NOUN
ejif-9414	218	27	of	of	ADP
ejif-9414	218	28	qard	qard	PROPN
ejif-9414	218	29	al	al	PROPN
ejif-9414	218	30	hasan	hasan	PROPN
ejif-9414	218	31	will	will	AUX
ejif-9414	218	32	increase	increase	VERB
ejif-9414	218	33	income	income	NOUN
ejif-9414	218	34	level	level	NOUN
ejif-9414	218	35	.	.	PUNCT
ejif-9414	219	1	the	the	DET
ejif-9414	219	2	relationship	relationship	NOUN
ejif-9414	219	3	between	between	ADP
ejif-9414	219	4	qard	qard	PROPN
ejif-9414	219	5	al	al	PROPN
ejif-9414	219	6	hasan	hasan	PROPN
ejif-9414	219	7	microcredit	microcredit	PROPN
ejif-9414	219	8	and	and	CCONJ
ejif-9414	219	9	income	income	NOUN
ejif-9414	219	10	level	level	NOUN
ejif-9414	219	11	was	be	AUX
ejif-9414	219	12	found	find	VERB
ejif-9414	219	13	to	to	PART
ejif-9414	219	14	be	be	AUX
ejif-9414	219	15	statistically	statistically	ADV
ejif-9414	219	16	significant	significant	ADJ
ejif-9414	219	17	,	,	PUNCT
ejif-9414	219	18	as	as	SCONJ
ejif-9414	219	19	can	can	AUX
ejif-9414	219	20	be	be	AUX
ejif-9414	219	21	derived	derive	VERB
ejif-9414	219	22	from	from	ADP
ejif-9414	219	23	the	the	DET
ejif-9414	219	24	figures	figure	NOUN
ejif-9414	219	25	shown	show	VERB
ejif-9414	219	26	in	in	ADP
ejif-9414	219	27	table	table	NOUN
ejif-9414	219	28	4	4	NUM
ejif-9414	219	29	with	with	ADP
ejif-9414	219	30	standard	standard	ADJ
ejif-9414	219	31	error	error	NOUN
ejif-9414	219	32	less	less	ADJ
ejif-9414	219	33	than	than	ADP
ejif-9414	219	34	the	the	DET
ejif-9414	219	35	value	value	NOUN
ejif-9414	219	36	of	of	ADP
ejif-9414	219	37	the	the	DET
ejif-9414	219	38	coefficient	coefficient	NOUN
ejif-9414	219	39	of	of	ADP
ejif-9414	219	40	qard	qard	PROPN
ejif-9414	219	41	al	al	PROPN
ejif-9414	219	42	hasan	hasan	PROPN
ejif-9414	219	43	.	.	PUNCT
ejif-9414	220	1	a	a	DET
ejif-9414	220	2	similar	similar	ADJ
ejif-9414	220	3	result	result	NOUN
ejif-9414	220	4	is	be	AUX
ejif-9414	220	5	reported	report	VERB
ejif-9414	220	6	for	for	ADP
ejif-9414	220	7	murabaha	murabaha	NOUN
ejif-9414	220	8	microcredit	microcredit	NOUN
ejif-9414	220	9	financing	financing	NOUN
ejif-9414	220	10	of	of	ADP
ejif-9414	220	11	islamic	islamic	ADJ
ejif-9414	220	12	microfinance	microfinance	NOUN
ejif-9414	220	13	.	.	PUNCT
ejif-9414	221	1	the	the	DET
ejif-9414	221	2	coefficient	coefficient	NOUN
ejif-9414	221	3	of	of	ADP
ejif-9414	221	4	murabaha	murabaha	NOUN
ejif-9414	221	5	is	be	AUX
ejif-9414	221	6	0.72	0.72	NUM
ejif-9414	221	7	,	,	PUNCT
ejif-9414	221	8	with	with	ADP
ejif-9414	221	9	a	a	DET
ejif-9414	221	10	standard	standard	ADJ
ejif-9414	221	11	error	error	NOUN
ejif-9414	221	12	of	of	ADP
ejif-9414	221	13	0.20	0.20	NUM
ejif-9414	221	14	.	.	PUNCT
ejif-9414	222	1	half	half	NOUN
ejif-9414	222	2	of	of	ADP
ejif-9414	222	3	0.72	0.72	NUM
ejif-9414	222	4	is	be	AUX
ejif-9414	222	5	still	still	ADV
ejif-9414	222	6	greater	great	ADJ
ejif-9414	222	7	than	than	ADP
ejif-9414	222	8	0.20	0.20	NUM
ejif-9414	222	9	,	,	PUNCT
ejif-9414	222	10	implying	imply	VERB
ejif-9414	222	11	the	the	DET
ejif-9414	222	12	relationship	relationship	NOUN
ejif-9414	222	13	is	be	AUX
ejif-9414	222	14	statistically	statistically	ADV
ejif-9414	222	15	significant	significant	ADJ
ejif-9414	222	16	.	.	PUNCT
ejif-9414	223	1	similarly	similarly	ADV
ejif-9414	223	2	,	,	PUNCT
ejif-9414	223	3	the	the	DET
ejif-9414	223	4	relationship	relationship	NOUN
ejif-9414	223	5	between	between	ADP
ejif-9414	223	6	mudharaba	mudharaba	NOUN
ejif-9414	223	7	and	and	CCONJ
ejif-9414	223	8	musharaka	musharaka	NOUN
ejif-9414	223	9	microequity	microequity	NOUN
ejif-9414	223	10	financing	financing	NOUN
ejif-9414	223	11	and	and	CCONJ
ejif-9414	223	12	income	income	NOUN
ejif-9414	223	13	level	level	NOUN
ejif-9414	223	14	was	be	AUX
ejif-9414	223	15	also	also	ADV
ejif-9414	223	16	positive	positive	ADJ
ejif-9414	223	17	.	.	PUNCT
ejif-9414	224	1	any	any	DET
ejif-9414	224	2	increase	increase	NOUN
ejif-9414	224	3	in	in	ADP
ejif-9414	224	4	either	either	DET
ejif-9414	224	5	micro	micro	NOUN
ejif-9414	224	6	-	-	NOUN
ejif-9414	224	7	equity	equity	ADJ
ejif-9414	224	8	financing	financing	NOUN
ejif-9414	224	9	will	will	AUX
ejif-9414	224	10	increase	increase	VERB
ejif-9414	224	11	the	the	DET
ejif-9414	224	12	income	income	NOUN
ejif-9414	224	13	level	level	NOUN
ejif-9414	224	14	of	of	ADP
ejif-9414	224	15	low	low	ADJ
ejif-9414	224	16	-	-	PUNCT
ejif-9414	224	17	income	income	NOUN
ejif-9414	224	18	earners	earner	NOUN
ejif-9414	224	19	and	and	CCONJ
ejif-9414	224	20	small	small	ADJ
ejif-9414	224	21	business	business	NOUN
ejif-9414	224	22	owners	owner	NOUN
ejif-9414	224	23	.	.	PUNCT
ejif-9414	225	1	the	the	DET
ejif-9414	225	2	relationships	relationship	NOUN
ejif-9414	225	3	were	be	AUX
ejif-9414	225	4	statistically	statistically	ADV
ejif-9414	225	5	significant	significant	ADJ
ejif-9414	225	6	at	at	ADP
ejif-9414	225	7	5	5	NUM
ejif-9414	225	8	%	%	NOUN
ejif-9414	225	9	(	(	PUNCT
ejif-9414	225	10	musharaka	musharaka	NOUN
ejif-9414	225	11	)	)	PUNCT
ejif-9414	225	12	and	and	CCONJ
ejif-9414	225	13	10	10	NUM
ejif-9414	225	14	%	%	NOUN
ejif-9414	225	15	(	(	PUNCT
ejif-9414	225	16	mudharaba	mudharaba	NOUN
ejif-9414	225	17	)	)	PUNCT
ejif-9414	225	18	levels	level	NOUN
ejif-9414	225	19	of	of	ADP
ejif-9414	225	20	significance	significance	NOUN
ejif-9414	225	21	.	.	PUNCT
ejif-9414	226	1	the	the	DET
ejif-9414	226	2	significance	significance	NOUN
ejif-9414	226	3	of	of	ADP
ejif-9414	226	4	each	each	DET
ejif-9414	226	5	variable	variable	NOUN
ejif-9414	226	6	is	be	AUX
ejif-9414	226	7	shown	show	VERB
ejif-9414	226	8	in	in	ADP
ejif-9414	226	9	table	table	NOUN
ejif-9414	226	10	4	4	NUM
ejif-9414	226	11	by	by	ADP
ejif-9414	226	12	standard	standard	ADJ
ejif-9414	226	13	errors	error	NOUN
ejif-9414	226	14	,	,	PUNCT
ejif-9414	226	15	which	which	PRON
ejif-9414	226	16	are	be	AUX
ejif-9414	226	17	less	less	ADJ
ejif-9414	226	18	than	than	ADP
ejif-9414	226	19	half	half	NOUN
ejif-9414	226	20	of	of	ADP
ejif-9414	226	21	the	the	DET
ejif-9414	226	22	coefficient	coefficient	NOUN
ejif-9414	226	23	of	of	ADP
ejif-9414	226	24	the	the	DET
ejif-9414	226	25	variables	variable	NOUN
ejif-9414	226	26	.	.	PUNCT
ejif-9414	227	1	the	the	DET
ejif-9414	227	2	results	result	NOUN
ejif-9414	227	3	imply	imply	VERB
ejif-9414	227	4	that	that	SCONJ
ejif-9414	227	5	both	both	DET
ejif-9414	227	6	micro	micro	NOUN
ejif-9414	227	7	-	-	NOUN
ejif-9414	227	8	credit	credit	NOUN
ejif-9414	227	9	and	and	CCONJ
ejif-9414	227	10	micro	micro	NOUN
ejif-9414	227	11	-	-	NOUN
ejif-9414	227	12	equity	equity	ADJ
ejif-9414	227	13	products	product	NOUN
ejif-9414	227	14	of	of	ADP
ejif-9414	227	15	islamic	islamic	ADJ
ejif-9414	227	16	microfinance	microfinance	NOUN
ejif-9414	227	17	can	can	AUX
ejif-9414	227	18	boost	boost	VERB
ejif-9414	227	19	the	the	DET
ejif-9414	227	20	income	income	NOUN
ejif-9414	227	21	level	level	NOUN
ejif-9414	227	22	of	of	ADP
ejif-9414	227	23	low	low	ADJ
ejif-9414	227	24	-	-	PUNCT
ejif-9414	227	25	income	income	NOUN
ejif-9414	227	26	earners	earner	NOUN
ejif-9414	227	27	and	and	CCONJ
ejif-9414	227	28	small	small	ADJ
ejif-9414	227	29	business	business	NOUN
ejif-9414	227	30	owners	owner	NOUN
ejif-9414	227	31	and	and	CCONJ
ejif-9414	227	32	consequently	consequently	ADV
ejif-9414	227	33	reduce	reduce	VERB
ejif-9414	227	34	poverty	poverty	NOUN
ejif-9414	227	35	among	among	ADP
ejif-9414	227	36	the	the	DET
ejif-9414	227	37	poor	poor	ADJ
ejif-9414	227	38	people	people	NOUN
ejif-9414	227	39	of	of	ADP
ejif-9414	227	40	kwara	kwara	PROPN
ejif-9414	227	41	state	state	PROPN
ejif-9414	227	42	,	,	PUNCT
ejif-9414	227	43	nigeria	nigeria	PROPN
ejif-9414	227	44	.	.	PUNCT
ejif-9414	228	1	conversely	conversely	ADV
ejif-9414	228	2	,	,	PUNCT
ejif-9414	228	3	the	the	DET
ejif-9414	228	4	two	two	NUM
ejif-9414	228	5	charity	charity	NOUN
ejif-9414	228	6	products	product	NOUN
ejif-9414	228	7	(	(	PUNCT
ejif-9414	228	8	zakat	zakat	X
ejif-9414	228	9	and	and	CCONJ
ejif-9414	228	10	sadaqa	sadaqa	NOUN
ejif-9414	228	11	)	)	PUNCT
ejif-9414	228	12	had	have	VERB
ejif-9414	228	13	positive	positive	ADJ
ejif-9414	228	14	but	but	CCONJ
ejif-9414	228	15	insignificant	insignificant	ADJ
ejif-9414	228	16	effects	effect	NOUN
ejif-9414	228	17	on	on	ADP
ejif-9414	228	18	income	income	NOUN
ejif-9414	228	19	level	level	NOUN
ejif-9414	228	20	.	.	PUNCT
ejif-9414	229	1	the	the	DET
ejif-9414	229	2	relationship	relationship	NOUN
ejif-9414	229	3	between	between	ADP
ejif-9414	229	4	each	each	PRON
ejif-9414	229	5	of	of	ADP
ejif-9414	229	6	the	the	DET
ejif-9414	229	7	two	two	NUM
ejif-9414	229	8	variables	variable	NOUN
ejif-9414	229	9	is	be	AUX
ejif-9414	229	10	indicated	indicate	VERB
ejif-9414	229	11	in	in	ADP
ejif-9414	229	12	table	table	NOUN
ejif-9414	229	13	4	4	NUM
ejif-9414	229	14	by	by	ADP
ejif-9414	229	15	the	the	DET
ejif-9414	229	16	coefficients	coefficient	NOUN
ejif-9414	229	17	of	of	ADP
ejif-9414	229	18	0.56	0.56	NUM
ejif-9414	229	19	and	and	CCONJ
ejif-9414	229	20	0.29	0.29	NUM
ejif-9414	229	21	,	,	PUNCT
ejif-9414	229	22	whose	whose	DET
ejif-9414	229	23	half	half	NOUN
ejif-9414	229	24	is	be	AUX
ejif-9414	229	25	less	less	ADJ
ejif-9414	229	26	than	than	ADP
ejif-9414	229	27	the	the	DET
ejif-9414	229	28	standard	standard	ADJ
ejif-9414	229	29	errors	error	NOUN
ejif-9414	229	30	of	of	ADP
ejif-9414	229	31	0.49	0.49	NUM
ejif-9414	229	32	and	and	CCONJ
ejif-9414	229	33	0.18	0.18	NUM
ejif-9414	229	34	,	,	PUNCT
ejif-9414	229	35	respectively	respectively	ADV
ejif-9414	229	36	.	.	PUNCT
ejif-9414	230	1	the	the	DET
ejif-9414	230	2	coefficients	coefficient	NOUN
ejif-9414	230	3	of	of	ADP
ejif-9414	230	4	the	the	DET
ejif-9414	230	5	cut	cut	NOUN
ejif-9414	230	6	parameters	parameter	NOUN
ejif-9414	230	7	were	be	AUX
ejif-9414	230	8	used	use	VERB
ejif-9414	230	9	to	to	PART
ejif-9414	230	10	examine	examine	VERB
ejif-9414	230	11	the	the	DET
ejif-9414	230	12	essence	essence	NOUN
ejif-9414	230	13	of	of	ADP
ejif-9414	230	14	the	the	DET
ejif-9414	230	15	response	response	NOUN
ejif-9414	230	16	categories	category	NOUN
ejif-9414	230	17	(	(	PUNCT
ejif-9414	230	18	strongly	strongly	ADV
ejif-9414	230	19	agreed	agree	VERB
ejif-9414	230	20	,	,	PUNCT
ejif-9414	230	21	agreed	agree	VERB
ejif-9414	230	22	,	,	PUNCT
ejif-9414	230	23	undecided	undecided	ADJ
ejif-9414	230	24	,	,	PUNCT
ejif-9414	230	25	disagreed	disagree	VERB
ejif-9414	230	26	and	and	CCONJ
ejif-9414	230	27	strongly	strongly	ADV
ejif-9414	230	28	disagreed	disagree	VERB
ejif-9414	230	29	)	)	PUNCT
ejif-9414	230	30	.	.	PUNCT
ejif-9414	231	1	if	if	SCONJ
ejif-9414	231	2	the	the	DET
ejif-9414	231	3	cut	cut	NOUN
ejif-9414	231	4	values	value	NOUN
ejif-9414	231	5	were	be	AUX
ejif-9414	231	6	statistically	statistically	ADV
ejif-9414	231	7	significant	significant	ADJ
ejif-9414	231	8	,	,	PUNCT
ejif-9414	231	9	the	the	DET
ejif-9414	231	10	categories	category	NOUN
ejif-9414	231	11	were	be	AUX
ejif-9414	231	12	maintained	maintain	VERB
ejif-9414	231	13	in	in	ADP
ejif-9414	231	14	the	the	DET
ejif-9414	231	15	interpretation	interpretation	NOUN
ejif-9414	231	16	;	;	PUNCT
ejif-9414	231	17	otherwise	otherwise	ADV
ejif-9414	231	18	,	,	PUNCT
ejif-9414	231	19	insignificant	insignificant	ADJ
ejif-9414	231	20	categories	category	NOUN
ejif-9414	231	21	were	be	AUX
ejif-9414	231	22	to	to	PART
ejif-9414	231	23	be	be	AUX
ejif-9414	231	24	collapsed	collapse	VERB
ejif-9414	231	25	into	into	ADP
ejif-9414	231	26	a	a	DET
ejif-9414	231	27	category	category	NOUN
ejif-9414	231	28	.	.	PUNCT
ejif-9414	232	1	in	in	ADP
ejif-9414	232	2	table	table	NOUN
ejif-9414	232	3	4	4	NUM
ejif-9414	232	4	and	and	CCONJ
ejif-9414	232	5	5	5	NUM
ejif-9414	232	6	,	,	PUNCT
ejif-9414	232	7	european	european	ADJ
ejif-9414	232	8	journal	journal	PROPN
ejif-9414	232	9	of	of	ADP
ejif-9414	232	10	islamic	islamic	PROPN
ejif-9414	232	11	finance	finance	PROPN
ejif-9414	232	12	issn	issn	PROPN
ejif-9414	232	13	:	:	PUNCT
ejif-9414	232	14	2421	2421	NUM
ejif-9414	232	15	-	-	SYM
ejif-9414	232	16	2172	2172	NUM
ejif-9414	232	17	doi	doi	NOUN
ejif-9414	232	18	:	:	PUNCT
ejif-9414	232	19	10.13135/2421	10.13135/2421	NUM
ejif-9414	232	20	-	-	SYM
ejif-9414	232	21	2172/9414	2172/9414	NUM
ejif-9414	232	22	published	publish	VERB
ejif-9414	232	23	by	by	ADP
ejif-9414	232	24	university	university	PROPN
ejif-9414	232	25	of	of	ADP
ejif-9414	232	26	turin	turin	PROPN
ejif-9414	233	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	233	2	ejif	ejif	PROPN
ejif-9414	233	3	content	content	NOUN
ejif-9414	233	4	is	be	AUX
ejif-9414	233	5	licensed	license	VERB
ejif-9414	233	6	under	under	ADP
ejif-9414	233	7	a	a	DET
ejif-9414	233	8	creative	creative	ADJ
ejif-9414	233	9	commons	common	NOUN
ejif-9414	233	10	attribution	attribution	NOUN
ejif-9414	233	11	4.0	4.0	NUM
ejif-9414	233	12	international	international	ADJ
ejif-9414	233	13	license	license	NOUN
ejif-9414	233	14	26	26	NUM
ejif-9414	233	15	all	all	DET
ejif-9414	233	16	the	the	DET
ejif-9414	233	17	constant	constant	ADJ
ejif-9414	233	18	cut	cut	NOUN
ejif-9414	233	19	values	value	NOUN
ejif-9414	233	20	except	except	SCONJ
ejif-9414	233	21	cut	cut	VERB
ejif-9414	233	22	3	3	NUM
ejif-9414	233	23	were	be	AUX
ejif-9414	233	24	statistically	statistically	ADV
ejif-9414	233	25	insignificant	insignificant	ADJ
ejif-9414	233	26	;	;	PUNCT
ejif-9414	233	27	therefore	therefore	ADV
ejif-9414	233	28	,	,	PUNCT
ejif-9414	233	29	we	we	PRON
ejif-9414	233	30	can	can	AUX
ejif-9414	233	31	collapse	collapse	VERB
ejif-9414	233	32	all	all	DET
ejif-9414	233	33	other	other	ADJ
ejif-9414	233	34	categories	category	NOUN
ejif-9414	233	35	apart	apart	ADV
ejif-9414	233	36	from	from	ADP
ejif-9414	233	37	categories	category	NOUN
ejif-9414	233	38	3	3	NUM
ejif-9414	233	39	and	and	CCONJ
ejif-9414	233	40	4	4	NUM
ejif-9414	233	41	.	.	PUNCT
ejif-9414	234	1	this	this	PRON
ejif-9414	234	2	implies	imply	VERB
ejif-9414	234	3	that	that	SCONJ
ejif-9414	234	4	the	the	DET
ejif-9414	234	5	undecided	undecided	ADJ
ejif-9414	234	6	,	,	PUNCT
ejif-9414	234	7	disagreed	disagree	VERB
ejif-9414	234	8	and	and	CCONJ
ejif-9414	234	9	strongly	strongly	ADV
ejif-9414	234	10	disagreed	disagree	VERB
ejif-9414	234	11	respondents	respondent	NOUN
ejif-9414	234	12	did	do	AUX
ejif-9414	234	13	not	not	PART
ejif-9414	234	14	distinguish	distinguish	VERB
ejif-9414	234	15	responses	response	NOUN
ejif-9414	234	16	,	,	PUNCT
ejif-9414	234	17	but	but	CCONJ
ejif-9414	234	18	strongly	strongly	ADV
ejif-9414	234	19	agreed	agree	VERB
ejif-9414	234	20	and	and	CCONJ
ejif-9414	234	21	agreed	agree	VERB
ejif-9414	234	22	responses	response	NOUN
ejif-9414	234	23	were	be	AUX
ejif-9414	234	24	clearly	clearly	ADV
ejif-9414	234	25	defined	define	VERB
ejif-9414	234	26	.	.	PUNCT
ejif-9414	235	1	the	the	DET
ejif-9414	235	2	log	log	NOUN
ejif-9414	235	3	-	-	PUNCT
ejif-9414	235	4	likelihood	likelihood	NOUN
ejif-9414	235	5	chi	chi	ADJ
ejif-9414	235	6	-	-	PUNCT
ejif-9414	235	7	square	square	ADJ
ejif-9414	235	8	statistics	statistic	NOUN
ejif-9414	235	9	were	be	AUX
ejif-9414	235	10	reported	report	VERB
ejif-9414	235	11	to	to	PART
ejif-9414	235	12	examine	examine	VERB
ejif-9414	235	13	the	the	DET
ejif-9414	235	14	model	model	NOUN
ejif-9414	235	15	's	's	PART
ejif-9414	235	16	goodness	goodness	NOUN
ejif-9414	235	17	of	of	ADP
ejif-9414	235	18	fit	fit	NOUN
ejif-9414	235	19	.	.	PUNCT
ejif-9414	236	1	the	the	DET
ejif-9414	236	2	fitness	fitness	NOUN
ejif-9414	236	3	statistics	statistic	NOUN
ejif-9414	236	4	of	of	ADP
ejif-9414	236	5	the	the	DET
ejif-9414	236	6	ordered	order	VERB
ejif-9414	236	7	logit	logit	NOUN
ejif-9414	236	8	are	be	AUX
ejif-9414	236	9	79.52	79.52	NUM
ejif-9414	236	10	,	,	PUNCT
ejif-9414	236	11	with	with	ADP
ejif-9414	236	12	a	a	DET
ejif-9414	236	13	p	p	NOUN
ejif-9414	236	14	-	-	PUNCT
ejif-9414	236	15	value	value	NOUN
ejif-9414	236	16	of	of	ADP
ejif-9414	236	17	0.0000	0.0000	NUM
ejif-9414	236	18	.	.	PUNCT
ejif-9414	237	1	since	since	SCONJ
ejif-9414	237	2	the	the	DET
ejif-9414	237	3	probability	probability	NOUN
ejif-9414	237	4	values	value	NOUN
ejif-9414	237	5	of	of	ADP
ejif-9414	237	6	the	the	DET
ejif-9414	237	7	fitness	fitness	NOUN
ejif-9414	237	8	statistics	statistic	NOUN
ejif-9414	237	9	are	be	AUX
ejif-9414	237	10	less	less	ADJ
ejif-9414	237	11	than	than	ADP
ejif-9414	237	12	5	5	NUM
ejif-9414	237	13	%	%	NOUN
ejif-9414	237	14	significant	significant	ADJ
ejif-9414	237	15	,	,	PUNCT
ejif-9414	237	16	the	the	DET
ejif-9414	237	17	model	model	NOUN
ejif-9414	237	18	is	be	AUX
ejif-9414	237	19	a	a	DET
ejif-9414	237	20	good	good	ADJ
ejif-9414	237	21	fit	fit	NOUN
ejif-9414	237	22	.	.	PUNCT
ejif-9414	238	1	so	so	ADV
ejif-9414	238	2	,	,	PUNCT
ejif-9414	238	3	the	the	DET
ejif-9414	238	4	model	model	NOUN
ejif-9414	238	5	's	's	PART
ejif-9414	238	6	result	result	NOUN
ejif-9414	238	7	is	be	AUX
ejif-9414	238	8	viable	viable	ADJ
ejif-9414	238	9	for	for	ADP
ejif-9414	238	10	tenable	tenable	ADJ
ejif-9414	238	11	conclusions	conclusion	NOUN
ejif-9414	238	12	and	and	CCONJ
ejif-9414	238	13	recommendations	recommendation	NOUN
ejif-9414	238	14	.	.	PUNCT
ejif-9414	239	1	table	table	NOUN
ejif-9414	239	2	4	4	NUM
ejif-9414	239	3	:	:	PUNCT
ejif-9414	239	4	estimates	estimate	NOUN
ejif-9414	239	5	of	of	ADP
ejif-9414	239	6	ordered	order	VERB
ejif-9414	239	7	logit	logit	PROPN
ejif-9414	239	8	regression	regression	NOUN
ejif-9414	239	9	and	and	CCONJ
ejif-9414	239	10	the	the	DET
ejif-9414	239	11	marginal	marginal	ADJ
ejif-9414	239	12	effect	effect	NOUN
ejif-9414	239	13	independent	independent	ADJ
ejif-9414	239	14	variables	variable	NOUN
ejif-9414	239	15	dependent	dependent	ADJ
ejif-9414	239	16	variable	variable	NOUN
ejif-9414	239	17	is	be	AUX
ejif-9414	239	18	income	income	NOUN
ejif-9414	239	19	level	level	NOUN
ejif-9414	239	20	coefficients	coefficient	NOUN
ejif-9414	239	21	of	of	ADP
ejif-9414	239	22	ordered	order	VERB
ejif-9414	239	23	logit	logit	PROPN
ejif-9414	239	24	marginal	marginal	ADJ
ejif-9414	239	25	effect	effect	NOUN
ejif-9414	239	26	after	after	ADP
ejif-9414	239	27	ordered	order	VERB
ejif-9414	239	28	logit	logit	PROPN
ejif-9414	239	29	(	(	PUNCT
ejif-9414	239	30	1	1	NUM
ejif-9414	239	31	)	)	PUNCT
ejif-9414	239	32	(	(	PUNCT
ejif-9414	239	33	2	2	X
ejif-9414	239	34	)	)	PUNCT
ejif-9414	239	35	qard	qard	NOUN
ejif-9414	239	36	al	al	PROPN
ejif-9414	239	37	hasan	hasan	PROPN
ejif-9414	239	38	0.91	0.91	NUM
ejif-9414	239	39	*	*	PUNCT
ejif-9414	239	40	*	*	PUNCT
ejif-9414	240	1	1.54	1.54	NUM
ejif-9414	240	2	*	*	PUNCT
ejif-9414	240	3	*	*	PUNCT
ejif-9414	240	4	(	(	PUNCT
ejif-9414	240	5	0.39	0.39	NUM
ejif-9414	240	6	)	)	PUNCT
ejif-9414	240	7	(	(	PUNCT
ejif-9414	240	8	0.17	0.17	NUM
ejif-9414	240	9	)	)	PUNCT
ejif-9414	240	10	murbaha	murbaha	NOUN
ejif-9414	240	11	0.72	0.72	NUM
ejif-9414	240	12	*	*	PUNCT
ejif-9414	240	13	*	*	PUNCT
ejif-9414	240	14	*	*	PUNCT
ejif-9414	240	15	0.10	0.10	NUM
ejif-9414	240	16	*	*	PUNCT
ejif-9414	240	17	*	*	PUNCT
ejif-9414	240	18	*	*	PUNCT
ejif-9414	240	19	(	(	PUNCT
ejif-9414	240	20	0.20	0.20	NUM
ejif-9414	240	21	)	)	PUNCT
ejif-9414	240	22	(	(	PUNCT
ejif-9414	240	23	0.03	0.03	NUM
ejif-9414	240	24	)	)	PUNCT
ejif-9414	240	25	mudharaba	mudharaba	NOUN
ejif-9414	240	26	0.51	0.51	NUM
ejif-9414	240	27	*	*	NOUN
ejif-9414	240	28	0.33	0.33	NUM
ejif-9414	240	29	*	*	PUNCT
ejif-9414	240	30	(	(	PUNCT
ejif-9414	240	31	0.23	0.23	NUM
ejif-9414	240	32	)	)	PUNCT
ejif-9414	240	33	(	(	PUNCT
ejif-9414	240	34	0.14	0.14	NUM
ejif-9414	240	35	)	)	PUNCT
ejif-9414	240	36	musharaka	musharaka	NOUN
ejif-9414	241	1	0.17	0.17	NUM
ejif-9414	241	2	*	*	PUNCT
ejif-9414	241	3	*	*	PUNCT
ejif-9414	241	4	0.48	0.48	NUM
ejif-9414	241	5	*	*	PUNCT
ejif-9414	241	6	*	*	PUNCT
ejif-9414	241	7	(	(	PUNCT
ejif-9414	241	8	0.02	0.02	NUM
ejif-9414	241	9	)	)	PUNCT
ejif-9414	241	10	(	(	PUNCT
ejif-9414	241	11	0.11	0.11	NUM
ejif-9414	241	12	)	)	PUNCT
ejif-9414	241	13	zakat	zakat	NOUN
ejif-9414	241	14	0.56	0.56	NUM
ejif-9414	241	15	0.28	0.28	NUM
ejif-9414	241	16	(	(	PUNCT
ejif-9414	241	17	0.49	0.49	NUM
ejif-9414	241	18	)	)	PUNCT
ejif-9414	241	19	(	(	PUNCT
ejif-9414	241	20	0.17	0.17	NUM
ejif-9414	241	21	)	)	PUNCT
ejif-9414	241	22	sadaqa	sadaqa	VERB
ejif-9414	241	23	0.29	0.29	NUM
ejif-9414	241	24	0.13	0.13	NUM
ejif-9414	241	25	(	(	PUNCT
ejif-9414	241	26	0.18	0.18	NUM
ejif-9414	241	27	)	)	PUNCT
ejif-9414	241	28	(	(	PUNCT
ejif-9414	241	29	0.09	0.09	NUM
ejif-9414	241	30	)	)	PUNCT
ejif-9414	241	31	constant	constant	ADJ
ejif-9414	241	32	cut1	cut1	NOUN
ejif-9414	241	33	-0.0041	-0.0041	NOUN
ejif-9414	241	34	-0.0053	-0.0053	PUNCT
ejif-9414	241	35	(	(	PUNCT
ejif-9414	241	36	0.0019	0.0019	NUM
ejif-9414	241	37	)	)	PUNCT
ejif-9414	241	38	(	(	PUNCT
ejif-9414	241	39	0.0044	0.0044	NUM
ejif-9414	241	40	)	)	PUNCT
ejif-9414	241	41	constant	constant	ADJ
ejif-9414	241	42	cut2	cut2	NOUN
ejif-9414	241	43	2.1298	2.1298	NUM
ejif-9414	241	44	(	(	PUNCT
ejif-9414	241	45	1.6210	1.6210	NUM
ejif-9414	241	46	)	)	PUNCT
ejif-9414	241	47	constant	constant	ADJ
ejif-9414	241	48	cut3	cut3	NOUN
ejif-9414	241	49	7.5533	7.5533	NUM
ejif-9414	241	50	*	*	PUNCT
ejif-9414	241	51	*	*	PUNCT
ejif-9414	241	52	*	*	PUNCT
ejif-9414	241	53	(	(	PUNCT
ejif-9414	241	54	2.6655	2.6655	NUM
ejif-9414	241	55	)	)	PUNCT
ejif-9414	241	56	observations	observation	NOUN
ejif-9414	241	57	1275	1275	NUM
ejif-9414	241	58	1275	1275	NUM
ejif-9414	241	59	fitness	fitness	NOUN
ejif-9414	241	60	statistics	statistic	NOUN
ejif-9414	241	61	79.52	79.52	NUM
ejif-9414	241	62	probability	probability	NOUN
ejif-9414	241	63	of	of	ADP
ejif-9414	241	64	fitness	fitness	NOUN
ejif-9414	241	65	statistics	statistic	NOUN
ejif-9414	241	66	0.0000	0.0000	NUM
ejif-9414	241	67	source	source	NOUN
ejif-9414	241	68	:	:	PUNCT
ejif-9414	241	69	author	author	NOUN
ejif-9414	241	70	’s	’s	PART
ejif-9414	241	71	computation	computation	NOUN
ejif-9414	241	72	(	(	PUNCT
ejif-9414	241	73	2024	2024	NUM
ejif-9414	241	74	)	)	PUNCT
ejif-9414	241	75	.	.	PUNCT
ejif-9414	242	1	standard	standard	ADJ
ejif-9414	242	2	errors	error	NOUN
ejif-9414	242	3	in	in	ADP
ejif-9414	242	4	parentheses	parenthesis	NOUN
ejif-9414	242	5	*	*	PUNCT
ejif-9414	242	6	*	*	PUNCT
ejif-9414	242	7	*	*	PUNCT
ejif-9414	242	8	p<0.01	p<0.01	PROPN
ejif-9414	242	9	,	,	PUNCT
ejif-9414	242	10	*	*	PUNCT
ejif-9414	242	11	*	*	PUNCT
ejif-9414	242	12	p<0.05	p<0.05	NOUN
ejif-9414	242	13	,	,	PUNCT
ejif-9414	242	14	*	*	SYM
ejif-9414	242	15	p<0.1	p<0.1	NUM
ejif-9414	242	16	denotes	denote	NOUN
ejif-9414	242	17	1	1	NUM
ejif-9414	242	18	%	%	NOUN
ejif-9414	242	19	,	,	PUNCT
ejif-9414	242	20	5	5	NUM
ejif-9414	242	21	%	%	NOUN
ejif-9414	242	22	,	,	PUNCT
ejif-9414	242	23	and	and	CCONJ
ejif-9414	242	24	10	10	NUM
ejif-9414	242	25	%	%	NOUN
ejif-9414	242	26	significance	significance	NOUN
ejif-9414	242	27	level	level	NOUN
ejif-9414	242	28	respectively	respectively	ADV
ejif-9414	242	29	.	.	PUNCT
ejif-9414	243	1	european	european	PROPN
ejif-9414	243	2	journal	journal	PROPN
ejif-9414	243	3	of	of	ADP
ejif-9414	243	4	islamic	islamic	PROPN
ejif-9414	243	5	finance	finance	PROPN
ejif-9414	243	6	issn	issn	PROPN
ejif-9414	243	7	:	:	PUNCT
ejif-9414	243	8	2421	2421	NUM
ejif-9414	243	9	-	-	SYM
ejif-9414	243	10	2172	2172	NUM
ejif-9414	243	11	doi	doi	NOUN
ejif-9414	243	12	:	:	PUNCT
ejif-9414	243	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	243	14	-	-	SYM
ejif-9414	243	15	2172/9414	2172/9414	NUM
ejif-9414	243	16	published	publish	VERB
ejif-9414	243	17	by	by	ADP
ejif-9414	243	18	university	university	PROPN
ejif-9414	243	19	of	of	ADP
ejif-9414	243	20	turin	turin	PROPN
ejif-9414	244	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	244	2	ejif	ejif	PROPN
ejif-9414	244	3	content	content	NOUN
ejif-9414	244	4	is	be	AUX
ejif-9414	244	5	licensed	license	VERB
ejif-9414	244	6	under	under	ADP
ejif-9414	244	7	a	a	DET
ejif-9414	244	8	creative	creative	ADJ
ejif-9414	244	9	commons	common	NOUN
ejif-9414	244	10	attribution	attribution	NOUN
ejif-9414	244	11	4.0	4.0	NUM
ejif-9414	244	12	international	international	ADJ
ejif-9414	244	13	license	license	NOUN
ejif-9414	244	14	27	27	NUM
ejif-9414	244	15	table	table	NOUN
ejif-9414	244	16	5	5	NUM
ejif-9414	244	17	:	:	PUNCT
ejif-9414	244	18	estimates	estimate	NOUN
ejif-9414	244	19	of	of	ADP
ejif-9414	244	20	ordered	order	VERB
ejif-9414	244	21	logit	logit	PROPN
ejif-9414	244	22	regression	regression	NOUN
ejif-9414	244	23	and	and	CCONJ
ejif-9414	244	24	the	the	DET
ejif-9414	244	25	marginal	marginal	ADJ
ejif-9414	244	26	effect	effect	NOUN
ejif-9414	244	27	independent	independent	ADJ
ejif-9414	244	28	variables	variable	NOUN
ejif-9414	244	29	dependent	dependent	ADJ
ejif-9414	244	30	variable	variable	ADJ
ejif-9414	244	31	productivity	productivity	NOUN
ejif-9414	244	32	level	level	NOUN
ejif-9414	244	33	coefficients	coefficient	NOUN
ejif-9414	244	34	of	of	ADP
ejif-9414	244	35	ordered	order	VERB
ejif-9414	244	36	logit	logit	PROPN
ejif-9414	244	37	marginal	marginal	ADJ
ejif-9414	244	38	effect	effect	NOUN
ejif-9414	244	39	after	after	ADP
ejif-9414	244	40	ordered	order	VERB
ejif-9414	244	41	logit	logit	PROPN
ejif-9414	244	42	(	(	PUNCT
ejif-9414	244	43	1	1	NUM
ejif-9414	244	44	)	)	PUNCT
ejif-9414	244	45	(	(	PUNCT
ejif-9414	244	46	2	2	X
ejif-9414	244	47	)	)	PUNCT
ejif-9414	244	48	qard	qard	NOUN
ejif-9414	244	49	al	al	PROPN
ejif-9414	244	50	hasan	hasan	PROPN
ejif-9414	244	51	0.38	0.38	PROPN
ejif-9414	244	52	*	*	PUNCT
ejif-9414	244	53	*	*	PUNCT
ejif-9414	245	1	0.47	0.47	NUM
ejif-9414	245	2	*	*	PUNCT
ejif-9414	245	3	*	*	PUNCT
ejif-9414	245	4	(	(	PUNCT
ejif-9414	245	5	0.16	0.16	NUM
ejif-9414	245	6	)	)	PUNCT
ejif-9414	245	7	(	(	PUNCT
ejif-9414	245	8	0.13	0.13	NUM
ejif-9414	245	9	)	)	PUNCT
ejif-9414	245	10	murbaha	murbaha	NOUN
ejif-9414	245	11	0.63	0.63	NOUN
ejif-9414	245	12	*	*	PUNCT
ejif-9414	245	13	*	*	PUNCT
ejif-9414	245	14	*	*	PUNCT
ejif-9414	245	15	0.27	0.27	NUM
ejif-9414	245	16	*	*	PUNCT
ejif-9414	245	17	*	*	PUNCT
ejif-9414	245	18	*	*	PUNCT
ejif-9414	245	19	(	(	PUNCT
ejif-9414	245	20	0.22	0.22	NUM
ejif-9414	245	21	)	)	PUNCT
ejif-9414	245	22	(	(	PUNCT
ejif-9414	245	23	0.11	0.11	NUM
ejif-9414	245	24	)	)	PUNCT
ejif-9414	245	25	mudharaba	mudharaba	NOUN
ejif-9414	245	26	0.15	0.15	NUM
ejif-9414	245	27	*	*	PUNCT
ejif-9414	245	28	*	*	PUNCT
ejif-9414	245	29	0.072	0.072	NUM
ejif-9414	245	30	*	*	PUNCT
ejif-9414	245	31	*	*	PUNCT
ejif-9414	245	32	(	(	PUNCT
ejif-9414	245	33	0.04	0.04	NUM
ejif-9414	245	34	)	)	PUNCT
ejif-9414	245	35	(	(	PUNCT
ejif-9414	245	36	0.01	0.01	NUM
ejif-9414	245	37	)	)	PUNCT
ejif-9414	245	38	musharaka	musharaka	NOUN
ejif-9414	246	1	0.59	0.59	NUM
ejif-9414	246	2	*	*	PUNCT
ejif-9414	246	3	*	*	PUNCT
ejif-9414	246	4	*	*	PUNCT
ejif-9414	246	5	0.88	0.88	NUM
ejif-9414	246	6	*	*	PUNCT
ejif-9414	246	7	*	*	PUNCT
ejif-9414	246	8	*	*	PUNCT
ejif-9414	246	9	(	(	PUNCT
ejif-9414	246	10	0.12	0.12	NUM
ejif-9414	246	11	)	)	PUNCT
ejif-9414	246	12	(	(	PUNCT
ejif-9414	246	13	0.31	0.31	NUM
ejif-9414	246	14	)	)	PUNCT
ejif-9414	246	15	zakat	zakat	NOUN
ejif-9414	246	16	0.45	0.45	NUM
ejif-9414	246	17	*	*	PUNCT
ejif-9414	246	18	*	*	PUNCT
ejif-9414	246	19	*	*	PUNCT
ejif-9414	246	20	0.74	0.74	NUM
ejif-9414	246	21	*	*	PUNCT
ejif-9414	246	22	*	*	PUNCT
ejif-9414	246	23	*	*	PUNCT
ejif-9414	246	24	(	(	PUNCT
ejif-9414	246	25	0.19	0.19	NUM
ejif-9414	246	26	)	)	PUNCT
ejif-9414	246	27	(	(	PUNCT
ejif-9414	246	28	0.29	0.29	X
ejif-9414	246	29	)	)	PUNCT
ejif-9414	246	30	sadaqa	sadaqa	NOUN
ejif-9414	246	31	1.35	1.35	NUM
ejif-9414	246	32	*	*	PUNCT
ejif-9414	246	33	*	*	PUNCT
ejif-9414	246	34	*	*	PUNCT
ejif-9414	247	1	0.85	0.85	NUM
ejif-9414	247	2	*	*	PUNCT
ejif-9414	247	3	*	*	PUNCT
ejif-9414	247	4	*	*	PUNCT
ejif-9414	247	5	(	(	PUNCT
ejif-9414	247	6	0.43	0.43	NUM
ejif-9414	247	7	)	)	PUNCT
ejif-9414	247	8	(	(	PUNCT
ejif-9414	247	9	0.33	0.33	NUM
ejif-9414	247	10	)	)	PUNCT
ejif-9414	247	11	constant	constant	ADJ
ejif-9414	247	12	cut1	cut1	NOUN
ejif-9414	247	13	-10.394	-10.394	NOUN
ejif-9414	247	14	*	*	PUNCT
ejif-9414	247	15	*	*	PUNCT
ejif-9414	247	16	*	*	PUNCT
ejif-9414	247	17	3.110	3.110	NUM
ejif-9414	247	18	*	*	PUNCT
ejif-9414	247	19	*	*	PUNCT
ejif-9414	247	20	*	*	PUNCT
ejif-9414	247	21	(	(	PUNCT
ejif-9414	247	22	3.2491	3.2491	NUM
ejif-9414	247	23	)	)	PUNCT
ejif-9414	247	24	(	(	PUNCT
ejif-9414	247	25	0.9526	0.9526	NUM
ejif-9414	247	26	)	)	PUNCT
ejif-9414	247	27	constant	constant	ADJ
ejif-9414	247	28	cut2	cut2	NOUN
ejif-9414	247	29	-14.629	-14.629	PUNCT
ejif-9414	247	30	*	*	PUNCT
ejif-9414	247	31	*	*	PUNCT
ejif-9414	247	32	*	*	PUNCT
ejif-9414	247	33	(	(	PUNCT
ejif-9414	247	34	2.9551	2.9551	NUM
ejif-9414	247	35	)	)	PUNCT
ejif-9414	247	36	constant	constant	ADJ
ejif-9414	247	37	cut3	cut3	NOUN
ejif-9414	247	38	-2.1374	-2.1374	NOUN
ejif-9414	247	39	(	(	PUNCT
ejif-9414	247	40	0.7441	0.7441	NUM
ejif-9414	247	41	)	)	PUNCT
ejif-9414	247	42	observations	observation	NOUN
ejif-9414	247	43	1275	1275	NUM
ejif-9414	247	44	1275	1275	NUM
ejif-9414	247	45	fitness	fitness	NOUN
ejif-9414	247	46	statistics	statistic	NOUN
ejif-9414	247	47	19.46	19.46	NUM
ejif-9414	247	48	probability	probability	NOUN
ejif-9414	247	49	of	of	ADP
ejif-9414	247	50	fitness	fitness	NOUN
ejif-9414	247	51	statistics	statistic	NOUN
ejif-9414	247	52	0.0000	0.0000	NUM
ejif-9414	247	53	source	source	NOUN
ejif-9414	247	54	:	:	PUNCT
ejif-9414	247	55	author	author	NOUN
ejif-9414	247	56	’s	’s	PART
ejif-9414	247	57	computation	computation	NOUN
ejif-9414	247	58	(	(	PUNCT
ejif-9414	247	59	2024	2024	NUM
ejif-9414	247	60	)	)	PUNCT
ejif-9414	247	61	.	.	PUNCT
ejif-9414	248	1	standard	standard	ADJ
ejif-9414	248	2	errors	error	NOUN
ejif-9414	248	3	in	in	ADP
ejif-9414	248	4	parentheses	parenthesis	NOUN
ejif-9414	248	5	*	*	PUNCT
ejif-9414	248	6	*	*	PUNCT
ejif-9414	248	7	*	*	PUNCT
ejif-9414	248	8	p<0.01	p<0.01	PROPN
ejif-9414	248	9	,	,	PUNCT
ejif-9414	248	10	*	*	PUNCT
ejif-9414	248	11	*	*	PUNCT
ejif-9414	248	12	p<0.05	p<0.05	NOUN
ejif-9414	248	13	,	,	PUNCT
ejif-9414	248	14	*	*	SYM
ejif-9414	248	15	p<0.1	p<0.1	NUM
ejif-9414	248	16	denotes	denote	NOUN
ejif-9414	248	17	1	1	NUM
ejif-9414	248	18	%	%	NOUN
ejif-9414	248	19	,	,	PUNCT
ejif-9414	248	20	5	5	NUM
ejif-9414	248	21	%	%	NOUN
ejif-9414	248	22	,	,	PUNCT
ejif-9414	248	23	and	and	CCONJ
ejif-9414	248	24	10	10	NUM
ejif-9414	248	25	%	%	NOUN
ejif-9414	248	26	significance	significance	NOUN
ejif-9414	248	27	level	level	NOUN
ejif-9414	248	28	respectively	respectively	ADV
ejif-9414	248	29	.	.	PUNCT
ejif-9414	249	1	5	5	X
ejif-9414	249	2	.	.	X
ejif-9414	249	3	discussion	discussion	NOUN
ejif-9414	249	4	to	to	PART
ejif-9414	249	5	further	far	ADV
ejif-9414	249	6	investigate	investigate	VERB
ejif-9414	249	7	how	how	SCONJ
ejif-9414	249	8	islamic	islamic	ADJ
ejif-9414	249	9	microfinance	microfinance	NOUN
ejif-9414	249	10	affects	affect	VERB
ejif-9414	249	11	the	the	DET
ejif-9414	249	12	poverty	poverty	NOUN
ejif-9414	249	13	level	level	NOUN
ejif-9414	249	14	among	among	ADP
ejif-9414	249	15	low	low	ADJ
ejif-9414	249	16	-	-	PUNCT
ejif-9414	249	17	income	income	NOUN
ejif-9414	249	18	earners	earner	NOUN
ejif-9414	249	19	and	and	CCONJ
ejif-9414	249	20	small	small	ADJ
ejif-9414	249	21	business	business	NOUN
ejif-9414	249	22	owners	owner	NOUN
ejif-9414	249	23	in	in	ADP
ejif-9414	249	24	kwara	kwara	PROPN
ejif-9414	249	25	state	state	PROPN
ejif-9414	249	26	,	,	PUNCT
ejif-9414	249	27	nigeria	nigeria	PROPN
ejif-9414	249	28	,	,	PUNCT
ejif-9414	249	29	ordered	order	VERB
ejif-9414	249	30	logit	logit	PROPN
ejif-9414	249	31	regression	regression	NOUN
ejif-9414	249	32	was	be	AUX
ejif-9414	249	33	also	also	ADV
ejif-9414	249	34	estimated	estimate	VERB
ejif-9414	249	35	with	with	ADP
ejif-9414	249	36	productivity	productivity	NOUN
ejif-9414	249	37	level	level	NOUN
ejif-9414	249	38	as	as	ADP
ejif-9414	249	39	the	the	DET
ejif-9414	249	40	dependent	dependent	ADJ
ejif-9414	249	41	variable	variable	NOUN
ejif-9414	249	42	(	(	PUNCT
ejif-9414	249	43	table	table	NOUN
ejif-9414	249	44	5	5	NUM
ejif-9414	249	45	)	)	PUNCT
ejif-9414	249	46	.	.	PUNCT
ejif-9414	250	1	the	the	DET
ejif-9414	250	2	result	result	NOUN
ejif-9414	250	3	shows	show	VERB
ejif-9414	250	4	that	that	SCONJ
ejif-9414	250	5	productivity	productivity	NOUN
ejif-9414	250	6	level	level	NOUN
ejif-9414	250	7	is	be	AUX
ejif-9414	250	8	positively	positively	ADV
ejif-9414	250	9	related	relate	VERB
ejif-9414	250	10	to	to	ADP
ejif-9414	250	11	all	all	DET
ejif-9414	250	12	the	the	DET
ejif-9414	250	13	variables	variable	NOUN
ejif-9414	250	14	(	(	PUNCT
ejif-9414	250	15	qard	qard	PROPN
ejif-9414	250	16	al	al	PROPN
ejif-9414	250	17	hasan	hasan	PROPN
ejif-9414	250	18	,	,	PUNCT
ejif-9414	250	19	murbaha	murbaha	NOUN
ejif-9414	250	20	,	,	PUNCT
ejif-9414	250	21	mudharaba	mudharaba	NOUN
ejif-9414	250	22	,	,	PUNCT
ejif-9414	250	23	musharaka	musharaka	NOUN
ejif-9414	250	24	,	,	PUNCT
ejif-9414	250	25	zakat	zakat	NOUN
ejif-9414	250	26	and	and	CCONJ
ejif-9414	250	27	sadaqa	sadaqa	NOUN
ejif-9414	250	28	)	)	PUNCT
ejif-9414	250	29	.	.	PUNCT
ejif-9414	251	1	that	that	PRON
ejif-9414	251	2	is	be	AUX
ejif-9414	251	3	,	,	PUNCT
ejif-9414	251	4	the	the	PRON
ejif-9414	251	5	higher	high	ADJ
ejif-9414	251	6	the	the	DET
ejif-9414	251	7	value	value	NOUN
ejif-9414	251	8	of	of	ADP
ejif-9414	251	9	these	these	DET
ejif-9414	251	10	factors	factor	NOUN
ejif-9414	251	11	,	,	PUNCT
ejif-9414	251	12	the	the	DET
ejif-9414	251	13	more	more	ADV
ejif-9414	251	14	likely	likely	ADJ
ejif-9414	251	15	low	low	ADJ
ejif-9414	251	16	-	-	PUNCT
ejif-9414	251	17	income	income	NOUN
ejif-9414	251	18	earners	earner	NOUN
ejif-9414	251	19	and	and	CCONJ
ejif-9414	251	20	small	small	ADJ
ejif-9414	251	21	business	business	NOUN
ejif-9414	251	22	owners	owner	NOUN
ejif-9414	251	23	are	be	AUX
ejif-9414	251	24	to	to	PART
ejif-9414	251	25	experience	experience	VERB
ejif-9414	251	26	higher	high	ADJ
ejif-9414	251	27	productivity	productivity	NOUN
ejif-9414	251	28	.	.	PUNCT
ejif-9414	252	1	regarding	regard	VERB
ejif-9414	252	2	microcredit	microcredit	NOUN
ejif-9414	252	3	products	product	NOUN
ejif-9414	252	4	,	,	PUNCT
ejif-9414	252	5	qard	qard	PROPN
ejif-9414	252	6	al	al	PROPN
ejif-9414	252	7	hasan	hasan	PROPN
ejif-9414	252	8	had	have	VERB
ejif-9414	252	9	a	a	DET
ejif-9414	252	10	coefficient	coefficient	NOUN
ejif-9414	252	11	of	of	ADP
ejif-9414	252	12	0.38	0.38	NUM
ejif-9414	252	13	,	,	PUNCT
ejif-9414	252	14	which	which	PRON
ejif-9414	252	15	means	mean	VERB
ejif-9414	252	16	a	a	DET
ejif-9414	252	17	1	1	NUM
ejif-9414	252	18	%	%	NOUN
ejif-9414	252	19	increase	increase	NOUN
ejif-9414	252	20	in	in	ADP
ejif-9414	252	21	qard	qard	PROPN
ejif-9414	252	22	al	al	PROPN
ejif-9414	252	23	hasan	hasan	PROPN
ejif-9414	252	24	financing	financing	NOUN
ejif-9414	252	25	will	will	AUX
ejif-9414	252	26	increase	increase	VERB
ejif-9414	252	27	productivity	productivity	NOUN
ejif-9414	252	28	by	by	ADP
ejif-9414	252	29	0.38	0.38	NUM
ejif-9414	252	30	%	%	NOUN
ejif-9414	252	31	.	.	PUNCT
ejif-9414	253	1	similarly	similarly	ADV
ejif-9414	253	2	,	,	PUNCT
ejif-9414	253	3	the	the	DET
ejif-9414	253	4	coefficient	coefficient	NOUN
ejif-9414	253	5	of	of	ADP
ejif-9414	253	6	murbaha	murbaha	NOUN
ejif-9414	253	7	financing	financing	NOUN
ejif-9414	253	8	is	be	AUX
ejif-9414	253	9	0.63	0.63	NUM
ejif-9414	253	10	,	,	PUNCT
ejif-9414	253	11	meaning	mean	VERB
ejif-9414	253	12	that	that	SCONJ
ejif-9414	253	13	increasing	increase	VERB
ejif-9414	253	14	murabaha	murabaha	NOUN
ejif-9414	253	15	financing	financing	NOUN
ejif-9414	253	16	tends	tend	VERB
ejif-9414	253	17	to	to	PART
ejif-9414	253	18	increase	increase	VERB
ejif-9414	253	19	productivity	productivity	NOUN
ejif-9414	253	20	.	.	PUNCT
ejif-9414	254	1	the	the	DET
ejif-9414	254	2	relationships	relationship	NOUN
ejif-9414	254	3	were	be	AUX
ejif-9414	254	4	significant	significant	ADJ
ejif-9414	254	5	at	at	ADP
ejif-9414	254	6	5	5	NUM
ejif-9414	254	7	%	%	NOUN
ejif-9414	254	8	and	and	CCONJ
ejif-9414	254	9	1	1	NUM
ejif-9414	254	10	%	%	NOUN
ejif-9414	254	11	levels	level	NOUN
ejif-9414	254	12	of	of	ADP
ejif-9414	254	13	significance	significance	NOUN
ejif-9414	254	14	,	,	PUNCT
ejif-9414	254	15	respectively	respectively	ADV
ejif-9414	254	16	.	.	PUNCT
ejif-9414	255	1	this	this	PRON
ejif-9414	255	2	implies	imply	VERB
ejif-9414	255	3	that	that	SCONJ
ejif-9414	255	4	a	a	DET
ejif-9414	255	5	positive	positive	ADJ
ejif-9414	255	6	and	and	CCONJ
ejif-9414	255	7	significant	significant	ADJ
ejif-9414	255	8	european	european	ADJ
ejif-9414	255	9	journal	journal	PROPN
ejif-9414	255	10	of	of	ADP
ejif-9414	255	11	islamic	islamic	PROPN
ejif-9414	255	12	finance	finance	PROPN
ejif-9414	255	13	issn	issn	PROPN
ejif-9414	255	14	:	:	PUNCT
ejif-9414	255	15	2421	2421	NUM
ejif-9414	255	16	-	-	SYM
ejif-9414	255	17	2172	2172	NUM
ejif-9414	255	18	doi	doi	NOUN
ejif-9414	255	19	:	:	PUNCT
ejif-9414	255	20	10.13135/2421	10.13135/2421	NUM
ejif-9414	255	21	-	-	SYM
ejif-9414	255	22	2172/9414	2172/9414	NUM
ejif-9414	255	23	published	publish	VERB
ejif-9414	255	24	by	by	ADP
ejif-9414	255	25	university	university	PROPN
ejif-9414	255	26	of	of	ADP
ejif-9414	255	27	turin	turin	PROPN
ejif-9414	256	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	256	2	ejif	ejif	PROPN
ejif-9414	256	3	content	content	NOUN
ejif-9414	256	4	is	be	AUX
ejif-9414	256	5	licensed	license	VERB
ejif-9414	256	6	under	under	ADP
ejif-9414	256	7	a	a	DET
ejif-9414	256	8	creative	creative	ADJ
ejif-9414	256	9	commons	common	NOUN
ejif-9414	256	10	attribution	attribution	NOUN
ejif-9414	256	11	4.0	4.0	NUM
ejif-9414	256	12	international	international	ADJ
ejif-9414	256	13	license	license	NOUN
ejif-9414	256	14	28	28	NUM
ejif-9414	256	15	relationship	relationship	NOUN
ejif-9414	256	16	exists	exist	VERB
ejif-9414	256	17	between	between	ADP
ejif-9414	256	18	microcredit	microcredit	NOUN
ejif-9414	256	19	products	product	NOUN
ejif-9414	256	20	of	of	ADP
ejif-9414	256	21	islamic	islamic	ADJ
ejif-9414	256	22	microfinance	microfinance	NOUN
ejif-9414	256	23	and	and	CCONJ
ejif-9414	256	24	the	the	DET
ejif-9414	256	25	productivity	productivity	NOUN
ejif-9414	256	26	of	of	ADP
ejif-9414	256	27	low	low	ADJ
ejif-9414	256	28	-	-	PUNCT
ejif-9414	256	29	income	income	NOUN
ejif-9414	256	30	,	,	PUNCT
ejif-9414	256	31	small	small	ADJ
ejif-9414	256	32	business	business	NOUN
ejif-9414	256	33	owners	owner	NOUN
ejif-9414	256	34	.	.	PUNCT
ejif-9414	257	1	both	both	DET
ejif-9414	257	2	mudharaba	mudharaba	PROPN
ejif-9414	257	3	and	and	CCONJ
ejif-9414	257	4	musharaka	musharaka	PROPN
ejif-9414	257	5	are	be	AUX
ejif-9414	257	6	micro	micro	ADJ
ejif-9414	257	7	-	-	NOUN
ejif-9414	257	8	equity	equity	ADJ
ejif-9414	257	9	products	product	NOUN
ejif-9414	257	10	with	with	ADP
ejif-9414	257	11	coefficients	coefficient	NOUN
ejif-9414	257	12	of	of	ADP
ejif-9414	257	13	0.15	0.15	NUM
ejif-9414	257	14	and	and	CCONJ
ejif-9414	257	15	0.59	0.59	NUM
ejif-9414	257	16	,	,	PUNCT
ejif-9414	257	17	respectively	respectively	ADV
ejif-9414	257	18	.	.	PUNCT
ejif-9414	258	1	the	the	PRON
ejif-9414	258	2	higher	high	ADJ
ejif-9414	258	3	the	the	DET
ejif-9414	258	4	supply	supply	NOUN
ejif-9414	258	5	of	of	ADP
ejif-9414	258	6	the	the	DET
ejif-9414	258	7	two	two	NUM
ejif-9414	258	8	financial	financial	ADJ
ejif-9414	258	9	products	product	NOUN
ejif-9414	258	10	,	,	PUNCT
ejif-9414	258	11	the	the	PRON
ejif-9414	258	12	higher	high	ADJ
ejif-9414	258	13	the	the	DET
ejif-9414	258	14	productivity	productivity	NOUN
ejif-9414	258	15	level	level	NOUN
ejif-9414	258	16	,	,	PUNCT
ejif-9414	258	17	as	as	SCONJ
ejif-9414	258	18	the	the	DET
ejif-9414	258	19	positive	positive	ADJ
ejif-9414	258	20	coefficients	coefficient	NOUN
ejif-9414	258	21	indicate	indicate	VERB
ejif-9414	258	22	.	.	PUNCT
ejif-9414	259	1	the	the	DET
ejif-9414	259	2	effects	effect	NOUN
ejif-9414	259	3	of	of	ADP
ejif-9414	259	4	the	the	DET
ejif-9414	259	5	two	two	NUM
ejif-9414	259	6	products	product	NOUN
ejif-9414	259	7	were	be	AUX
ejif-9414	259	8	found	find	VERB
ejif-9414	259	9	to	to	PART
ejif-9414	259	10	be	be	AUX
ejif-9414	259	11	significant	significant	ADJ
ejif-9414	259	12	at	at	ADP
ejif-9414	259	13	both	both	PRON
ejif-9414	259	14	1	1	NUM
ejif-9414	259	15	%	%	NOUN
ejif-9414	259	16	and	and	CCONJ
ejif-9414	259	17	5	5	NUM
ejif-9414	259	18	%	%	NOUN
ejif-9414	259	19	significance	significance	NOUN
ejif-9414	259	20	levels	level	NOUN
ejif-9414	259	21	,	,	PUNCT
ejif-9414	259	22	respectively	respectively	ADV
ejif-9414	259	23	.	.	PUNCT
ejif-9414	260	1	also	also	ADV
ejif-9414	260	2	,	,	PUNCT
ejif-9414	260	3	zakat	zakat	PROPN
ejif-9414	260	4	and	and	CCONJ
ejif-9414	260	5	sadaqah	sadaqah	PROPN
ejif-9414	260	6	(	(	PUNCT
ejif-9414	260	7	charity	charity	NOUN
ejif-9414	260	8	products	product	NOUN
ejif-9414	260	9	)	)	PUNCT
ejif-9414	260	10	had	have	VERB
ejif-9414	260	11	a	a	DET
ejif-9414	260	12	significantly	significantly	ADV
ejif-9414	260	13	positive	positive	ADJ
ejif-9414	260	14	relationship	relationship	NOUN
ejif-9414	260	15	with	with	ADP
ejif-9414	260	16	productivity	productivity	NOUN
ejif-9414	260	17	level	level	NOUN
ejif-9414	260	18	.	.	PUNCT
ejif-9414	261	1	this	this	PRON
ejif-9414	261	2	is	be	AUX
ejif-9414	261	3	indicated	indicate	VERB
ejif-9414	261	4	by	by	ADP
ejif-9414	261	5	the	the	DET
ejif-9414	261	6	reported	report	VERB
ejif-9414	261	7	coefficients	coefficient	NOUN
ejif-9414	261	8	of	of	ADP
ejif-9414	261	9	0.45	0.45	NUM
ejif-9414	261	10	and	and	CCONJ
ejif-9414	261	11	1.35	1.35	NUM
ejif-9414	261	12	for	for	ADP
ejif-9414	261	13	zakat	zakat	NOUN
ejif-9414	261	14	and	and	CCONJ
ejif-9414	261	15	sadaqa	sadaqa	NOUN
ejif-9414	261	16	,	,	PUNCT
ejif-9414	261	17	respectively	respectively	ADV
ejif-9414	261	18	.	.	PUNCT
ejif-9414	262	1	all	all	DET
ejif-9414	262	2	the	the	DET
ejif-9414	262	3	coefficients	coefficient	NOUN
ejif-9414	262	4	of	of	ADP
ejif-9414	262	5	the	the	DET
ejif-9414	262	6	variables	variable	NOUN
ejif-9414	262	7	were	be	AUX
ejif-9414	262	8	statistically	statistically	ADV
ejif-9414	262	9	significant	significant	ADJ
ejif-9414	262	10	at	at	ADP
ejif-9414	262	11	1	1	NUM
ejif-9414	262	12	%	%	NOUN
ejif-9414	262	13	and	and	CCONJ
ejif-9414	262	14	5	5	NUM
ejif-9414	262	15	%	%	NOUN
ejif-9414	262	16	,	,	PUNCT
ejif-9414	262	17	given	give	VERB
ejif-9414	262	18	that	that	SCONJ
ejif-9414	262	19	the	the	DET
ejif-9414	262	20	standard	standard	ADJ
ejif-9414	262	21	errors	error	NOUN
ejif-9414	262	22	of	of	ADP
ejif-9414	262	23	the	the	DET
ejif-9414	262	24	coefficients	coefficient	NOUN
ejif-9414	262	25	were	be	AUX
ejif-9414	262	26	less	less	ADJ
ejif-9414	262	27	than	than	ADP
ejif-9414	262	28	half	half	NOUN
ejif-9414	262	29	of	of	ADP
ejif-9414	262	30	the	the	DET
ejif-9414	262	31	values	value	NOUN
ejif-9414	262	32	of	of	ADP
ejif-9414	262	33	the	the	DET
ejif-9414	262	34	coefficients	coefficient	NOUN
ejif-9414	262	35	.	.	PUNCT
ejif-9414	263	1	hence	hence	ADV
ejif-9414	263	2	,	,	PUNCT
ejif-9414	263	3	all	all	DET
ejif-9414	263	4	the	the	DET
ejif-9414	263	5	variables	variable	NOUN
ejif-9414	263	6	were	be	AUX
ejif-9414	263	7	significant	significant	ADJ
ejif-9414	263	8	determinants	determinant	NOUN
ejif-9414	263	9	of	of	ADP
ejif-9414	263	10	productivity	productivity	NOUN
ejif-9414	263	11	level	level	NOUN
ejif-9414	263	12	.	.	PUNCT
ejif-9414	264	1	all	all	DET
ejif-9414	264	2	the	the	DET
ejif-9414	264	3	cut	cut	NOUN
ejif-9414	264	4	parameters	parameter	NOUN
ejif-9414	264	5	(	(	PUNCT
ejif-9414	264	6	cut1	cut1	PROPN
ejif-9414	264	7	,	,	PUNCT
ejif-9414	264	8	cut2	cut2	NOUN
ejif-9414	264	9	and	and	CCONJ
ejif-9414	264	10	cut3	cut3	PROPN
ejif-9414	264	11	)	)	PUNCT
ejif-9414	264	12	were	be	AUX
ejif-9414	264	13	statistically	statistically	ADV
ejif-9414	264	14	significant	significant	ADJ
ejif-9414	264	15	.	.	PUNCT
ejif-9414	265	1	thus	thus	ADV
ejif-9414	265	2	,	,	PUNCT
ejif-9414	265	3	all	all	DET
ejif-9414	265	4	the	the	DET
ejif-9414	265	5	response	response	NOUN
ejif-9414	265	6	categories	category	NOUN
ejif-9414	265	7	(	(	PUNCT
ejif-9414	265	8	strongly	strongly	ADV
ejif-9414	265	9	agreed	agree	VERB
ejif-9414	265	10	,	,	PUNCT
ejif-9414	265	11	agreed	agree	VERB
ejif-9414	265	12	,	,	PUNCT
ejif-9414	265	13	undecided	undecided	ADJ
ejif-9414	265	14	,	,	PUNCT
ejif-9414	265	15	disagreed	disagree	VERB
ejif-9414	265	16	and	and	CCONJ
ejif-9414	265	17	strongly	strongly	ADV
ejif-9414	265	18	disagreed	disagree	VERB
ejif-9414	265	19	)	)	PUNCT
ejif-9414	265	20	could	could	AUX
ejif-9414	265	21	be	be	AUX
ejif-9414	265	22	maintained	maintain	VERB
ejif-9414	265	23	.	.	PUNCT
ejif-9414	266	1	to	to	PART
ejif-9414	266	2	examine	examine	VERB
ejif-9414	266	3	the	the	DET
ejif-9414	266	4	model	model	NOUN
ejif-9414	266	5	's	's	PART
ejif-9414	266	6	goodness	goodness	NOUN
ejif-9414	266	7	of	of	ADP
ejif-9414	266	8	fit	fit	PROPN
ejif-9414	266	9	,	,	PUNCT
ejif-9414	266	10	the	the	DET
ejif-9414	266	11	log	log	NOUN
ejif-9414	266	12	-	-	PUNCT
ejif-9414	266	13	likelihood	likelihood	NOUN
ejif-9414	266	14	chi	chi	ADJ
ejif-9414	266	15	-	-	PUNCT
ejif-9414	266	16	square	square	ADJ
ejif-9414	266	17	statistics	statistic	NOUN
ejif-9414	266	18	were	be	AUX
ejif-9414	266	19	reported	report	VERB
ejif-9414	266	20	.	.	PUNCT
ejif-9414	267	1	the	the	DET
ejif-9414	267	2	fitness	fitness	NOUN
ejif-9414	267	3	statistics	statistic	NOUN
ejif-9414	267	4	of	of	ADP
ejif-9414	267	5	the	the	DET
ejif-9414	267	6	ordered	order	VERB
ejif-9414	267	7	logit	logit	NOUN
ejif-9414	267	8	were	be	AUX
ejif-9414	267	9	19.46	19.46	NUM
ejif-9414	267	10	,	,	PUNCT
ejif-9414	267	11	with	with	ADP
ejif-9414	267	12	a	a	DET
ejif-9414	267	13	p	p	NOUN
ejif-9414	267	14	-	-	PUNCT
ejif-9414	267	15	value	value	NOUN
ejif-9414	267	16	of	of	ADP
ejif-9414	267	17	0.0000	0.0000	NUM
ejif-9414	267	18	.	.	PUNCT
ejif-9414	268	1	since	since	SCONJ
ejif-9414	268	2	the	the	DET
ejif-9414	268	3	probability	probability	NOUN
ejif-9414	268	4	values	value	NOUN
ejif-9414	268	5	of	of	ADP
ejif-9414	268	6	the	the	DET
ejif-9414	268	7	fitness	fitness	NOUN
ejif-9414	268	8	statistics	statistic	NOUN
ejif-9414	268	9	were	be	AUX
ejif-9414	268	10	less	less	ADJ
ejif-9414	268	11	than	than	ADP
ejif-9414	268	12	5	5	NUM
ejif-9414	268	13	%	%	NOUN
ejif-9414	268	14	significant	significant	ADJ
ejif-9414	268	15	,	,	PUNCT
ejif-9414	268	16	the	the	DET
ejif-9414	268	17	model	model	NOUN
ejif-9414	268	18	had	have	VERB
ejif-9414	268	19	a	a	DET
ejif-9414	268	20	good	good	ADJ
ejif-9414	268	21	fit	fit	NOUN
ejif-9414	268	22	.	.	PUNCT
ejif-9414	269	1	so	so	ADV
ejif-9414	269	2	,	,	PUNCT
ejif-9414	269	3	the	the	DET
ejif-9414	269	4	model	model	NOUN
ejif-9414	269	5	's	's	PART
ejif-9414	269	6	result	result	NOUN
ejif-9414	269	7	is	be	AUX
ejif-9414	269	8	viable	viable	ADJ
ejif-9414	269	9	for	for	ADP
ejif-9414	269	10	tenable	tenable	ADJ
ejif-9414	269	11	conclusions	conclusion	NOUN
ejif-9414	269	12	and	and	CCONJ
ejif-9414	269	13	recommendations	recommendation	NOUN
ejif-9414	269	14	.	.	PUNCT
ejif-9414	270	1	6	6	X
ejif-9414	270	2	.	.	X
ejif-9414	270	3	conclusion	conclusion	NOUN
ejif-9414	270	4	islamic	islamic	ADJ
ejif-9414	270	5	microfinance	microfinance	NOUN
ejif-9414	270	6	has	have	AUX
ejif-9414	270	7	been	be	AUX
ejif-9414	270	8	identified	identify	VERB
ejif-9414	270	9	as	as	ADP
ejif-9414	270	10	a	a	DET
ejif-9414	270	11	tool	tool	NOUN
ejif-9414	270	12	for	for	ADP
ejif-9414	270	13	bringing	bring	VERB
ejif-9414	270	14	underserved	underserved	ADJ
ejif-9414	270	15	poor	poor	ADJ
ejif-9414	270	16	people	people	NOUN
ejif-9414	270	17	into	into	ADP
ejif-9414	270	18	the	the	DET
ejif-9414	270	19	financial	financial	ADJ
ejif-9414	270	20	system	system	NOUN
ejif-9414	270	21	to	to	PART
ejif-9414	270	22	reduce	reduce	VERB
ejif-9414	270	23	poverty	poverty	NOUN
ejif-9414	270	24	.	.	PUNCT
ejif-9414	271	1	empirical	empirical	ADJ
ejif-9414	271	2	investigations	investigation	NOUN
ejif-9414	271	3	are	be	AUX
ejif-9414	271	4	,	,	PUNCT
ejif-9414	271	5	however	however	ADV
ejif-9414	271	6	,	,	PUNCT
ejif-9414	271	7	scanty	scanty	NOUN
ejif-9414	271	8	in	in	ADP
ejif-9414	271	9	this	this	DET
ejif-9414	271	10	regard	regard	NOUN
ejif-9414	271	11	,	,	PUNCT
ejif-9414	271	12	calling	call	VERB
ejif-9414	271	13	for	for	ADP
ejif-9414	271	14	a	a	DET
ejif-9414	271	15	more	more	ADV
ejif-9414	271	16	robust	robust	ADJ
ejif-9414	271	17	analysis	analysis	NOUN
ejif-9414	271	18	.	.	PUNCT
ejif-9414	272	1	this	this	PRON
ejif-9414	272	2	will	will	AUX
ejif-9414	272	3	inform	inform	VERB
ejif-9414	272	4	implementable	implementable	ADJ
ejif-9414	272	5	policy	policy	NOUN
ejif-9414	272	6	recommendations	recommendation	NOUN
ejif-9414	272	7	.	.	PUNCT
ejif-9414	273	1	the	the	DET
ejif-9414	273	2	study	study	NOUN
ejif-9414	273	3	,	,	PUNCT
ejif-9414	273	4	therefore	therefore	ADV
ejif-9414	273	5	,	,	PUNCT
ejif-9414	273	6	investigated	investigate	VERB
ejif-9414	273	7	the	the	DET
ejif-9414	273	8	influence	influence	NOUN
ejif-9414	273	9	of	of	ADP
ejif-9414	273	10	the	the	DET
ejif-9414	273	11	islamic	islamic	ADJ
ejif-9414	273	12	microfinance	microfinance	NOUN
ejif-9414	273	13	system	system	NOUN
ejif-9414	273	14	on	on	ADP
ejif-9414	273	15	poverty	poverty	NOUN
ejif-9414	273	16	alleviation	alleviation	NOUN
ejif-9414	273	17	in	in	ADP
ejif-9414	273	18	kwara	kwara	PROPN
ejif-9414	273	19	state	state	PROPN
ejif-9414	273	20	,	,	PUNCT
ejif-9414	273	21	nigeria	nigeria	PROPN
ejif-9414	273	22	.	.	PUNCT
ejif-9414	274	1	specifically	specifically	ADV
ejif-9414	274	2	,	,	PUNCT
ejif-9414	274	3	the	the	DET
ejif-9414	274	4	study	study	NOUN
ejif-9414	274	5	examined	examine	VERB
ejif-9414	274	6	the	the	DET
ejif-9414	274	7	effect	effect	NOUN
ejif-9414	274	8	of	of	ADP
ejif-9414	274	9	microcredit	microcredit	NOUN
ejif-9414	274	10	,	,	PUNCT
ejif-9414	274	11	microequity	microequity	NOUN
ejif-9414	274	12	,	,	PUNCT
ejif-9414	274	13	and	and	CCONJ
ejif-9414	274	14	charity	charity	NOUN
ejif-9414	274	15	financing	financing	NOUN
ejif-9414	274	16	on	on	ADP
ejif-9414	274	17	the	the	DET
ejif-9414	274	18	income	income	NOUN
ejif-9414	274	19	and	and	CCONJ
ejif-9414	274	20	productivity	productivity	NOUN
ejif-9414	274	21	levels	level	NOUN
ejif-9414	274	22	of	of	ADP
ejif-9414	274	23	low	low	ADJ
ejif-9414	274	24	-	-	PUNCT
ejif-9414	274	25	income	income	NOUN
ejif-9414	274	26	and	and	CCONJ
ejif-9414	274	27	small	small	ADJ
ejif-9414	274	28	business	business	NOUN
ejif-9414	274	29	owners	owner	NOUN
ejif-9414	274	30	in	in	ADP
ejif-9414	274	31	kwara	kwara	PROPN
ejif-9414	274	32	state	state	PROPN
ejif-9414	274	33	.	.	PUNCT
ejif-9414	275	1	it	it	PRON
ejif-9414	275	2	was	be	AUX
ejif-9414	275	3	found	find	VERB
ejif-9414	275	4	that	that	SCONJ
ejif-9414	275	5	microcredit	microcredit	NOUN
ejif-9414	275	6	,	,	PUNCT
ejif-9414	275	7	micro	micro	NOUN
ejif-9414	275	8	-	-	NOUN
ejif-9414	275	9	equity	equity	NOUN
ejif-9414	275	10	,	,	PUNCT
ejif-9414	275	11	and	and	CCONJ
ejif-9414	275	12	charity	charity	NOUN
ejif-9414	275	13	products	product	NOUN
ejif-9414	275	14	of	of	ADP
ejif-9414	275	15	islamic	islamic	ADJ
ejif-9414	275	16	microfinance	microfinance	NOUN
ejif-9414	275	17	are	be	AUX
ejif-9414	275	18	positively	positively	ADV
ejif-9414	275	19	related	relate	VERB
ejif-9414	275	20	to	to	ADP
ejif-9414	275	21	income	income	NOUN
ejif-9414	275	22	levels	level	NOUN
ejif-9414	275	23	.	.	PUNCT
ejif-9414	276	1	the	the	DET
ejif-9414	276	2	variables	variable	NOUN
ejif-9414	276	3	also	also	ADV
ejif-9414	276	4	significantly	significantly	ADV
ejif-9414	276	5	affected	affect	VERB
ejif-9414	276	6	poverty	poverty	NOUN
ejif-9414	276	7	alleviation	alleviation	NOUN
ejif-9414	276	8	in	in	ADP
ejif-9414	276	9	kwara	kwara	PROPN
ejif-9414	276	10	state	state	PROPN
ejif-9414	276	11	,	,	PUNCT
ejif-9414	276	12	nigeria	nigeria	PROPN
ejif-9414	276	13	.	.	PUNCT
ejif-9414	277	1	based	base	VERB
ejif-9414	277	2	on	on	ADP
ejif-9414	277	3	the	the	DET
ejif-9414	277	4	findings	finding	NOUN
ejif-9414	277	5	,	,	PUNCT
ejif-9414	277	6	the	the	DET
ejif-9414	277	7	study	study	NOUN
ejif-9414	277	8	concluded	conclude	VERB
ejif-9414	277	9	that	that	SCONJ
ejif-9414	277	10	micro	micro	NOUN
ejif-9414	277	11	-	-	NOUN
ejif-9414	277	12	credit	credit	ADJ
ejif-9414	277	13	,	,	PUNCT
ejif-9414	277	14	micro	micro	NOUN
ejif-9414	277	15	-	-	NOUN
ejif-9414	277	16	equity	equity	NOUN
ejif-9414	277	17	and	and	CCONJ
ejif-9414	277	18	charity	charity	NOUN
ejif-9414	277	19	(	(	PUNCT
ejif-9414	277	20	social	social	ADJ
ejif-9414	277	21	finance	finance	NOUN
ejif-9414	277	22	)	)	PUNCT
ejif-9414	277	23	products	product	NOUN
ejif-9414	277	24	significantly	significantly	ADV
ejif-9414	277	25	influenced	influence	VERB
ejif-9414	277	26	poverty	poverty	NOUN
ejif-9414	277	27	alleviation	alleviation	NOUN
ejif-9414	277	28	in	in	ADP
ejif-9414	277	29	kwara	kwara	PROPN
ejif-9414	277	30	state	state	PROPN
ejif-9414	277	31	,	,	PUNCT
ejif-9414	277	32	nigeria	nigeria	PROPN
ejif-9414	277	33	.	.	PUNCT
ejif-9414	278	1	the	the	DET
ejif-9414	278	2	study	study	NOUN
ejif-9414	278	3	,	,	PUNCT
ejif-9414	278	4	therefore	therefore	ADV
ejif-9414	278	5	,	,	PUNCT
ejif-9414	278	6	recommended	recommend	VERB
ejif-9414	278	7	an	an	DET
ejif-9414	278	8	adequate	adequate	ADJ
ejif-9414	278	9	supply	supply	NOUN
ejif-9414	278	10	of	of	ADP
ejif-9414	278	11	shariah	shariah	PROPN
ejif-9414	278	12	-	-	PUNCT
ejif-9414	278	13	compliant	compliant	NOUN
ejif-9414	278	14	micro	micro	NOUN
ejif-9414	278	15	-	-	NOUN
ejif-9414	278	16	credit	credit	ADJ
ejif-9414	278	17	,	,	PUNCT
ejif-9414	278	18	micro	micro	NOUN
ejif-9414	278	19	-	-	NOUN
ejif-9414	278	20	equity	equity	NOUN
ejif-9414	278	21	and	and	CCONJ
ejif-9414	278	22	charity	charity	NOUN
ejif-9414	278	23	financial	financial	ADJ
ejif-9414	278	24	resources	resource	NOUN
ejif-9414	278	25	such	such	ADJ
ejif-9414	278	26	as	as	ADP
ejif-9414	278	27	qard	qard	PROPN
ejif-9414	278	28	al	al	PROPN
ejif-9414	278	29	hasan	hasan	PROPN
ejif-9414	278	30	,	,	PUNCT
ejif-9414	278	31	murbaha	murbaha	NOUN
ejif-9414	278	32	,	,	PUNCT
ejif-9414	278	33	mudharaba	mudharaba	NOUN
ejif-9414	278	34	,	,	PUNCT
ejif-9414	278	35	musharaka	musharaka	NOUN
ejif-9414	278	36	,	,	PUNCT
ejif-9414	278	37	zakat	zakat	NOUN
ejif-9414	278	38	and	and	CCONJ
ejif-9414	278	39	sadaqa	sadaqa	NOUN
ejif-9414	278	40	.	.	PUNCT
ejif-9414	279	1	this	this	PRON
ejif-9414	279	2	will	will	AUX
ejif-9414	279	3	boost	boost	VERB
ejif-9414	279	4	the	the	DET
ejif-9414	279	5	productivity	productivity	NOUN
ejif-9414	279	6	and	and	CCONJ
ejif-9414	279	7	income	income	NOUN
ejif-9414	279	8	levels	level	NOUN
ejif-9414	279	9	of	of	ADP
ejif-9414	279	10	low	low	ADJ
ejif-9414	279	11	-	-	PUNCT
ejif-9414	279	12	income	income	NOUN
ejif-9414	279	13	earners	earner	NOUN
ejif-9414	279	14	and	and	CCONJ
ejif-9414	279	15	small	small	ADJ
ejif-9414	279	16	business	business	NOUN
ejif-9414	279	17	owners	owner	NOUN
ejif-9414	279	18	in	in	ADP
ejif-9414	279	19	the	the	DET
ejif-9414	279	20	state	state	NOUN
ejif-9414	279	21	.	.	PUNCT
ejif-9414	280	1	it	it	PRON
ejif-9414	280	2	was	be	AUX
ejif-9414	280	3	also	also	ADV
ejif-9414	280	4	recommended	recommend	VERB
ejif-9414	280	5	that	that	SCONJ
ejif-9414	280	6	the	the	DET
ejif-9414	280	7	central	central	ADJ
ejif-9414	280	8	bank	bank	PROPN
ejif-9414	280	9	of	of	ADP
ejif-9414	280	10	nigeria	nigeria	PROPN
ejif-9414	280	11	(	(	PUNCT
ejif-9414	280	12	cbn	cbn	PROPN
ejif-9414	280	13	)	)	PUNCT
ejif-9414	280	14	provide	provide	VERB
ejif-9414	280	15	an	an	DET
ejif-9414	280	16	enabling	enable	VERB
ejif-9414	280	17	environment	environment	NOUN
ejif-9414	280	18	for	for	ADP
ejif-9414	280	19	formal	formal	ADJ
ejif-9414	280	20	non	non	ADJ
ejif-9414	280	21	-	-	ADJ
ejif-9414	280	22	interest	interest	ADJ
ejif-9414	280	23	microfinance	microfinance	NOUN
ejif-9414	280	24	to	to	PART
ejif-9414	280	25	promote	promote	VERB
ejif-9414	280	26	financial	financial	ADJ
ejif-9414	280	27	inclusion	inclusion	NOUN
ejif-9414	280	28	and	and	CCONJ
ejif-9414	280	29	reduce	reduce	VERB
ejif-9414	280	30	poverty	poverty	NOUN
ejif-9414	280	31	in	in	ADP
ejif-9414	280	32	the	the	DET
ejif-9414	280	33	country	country	NOUN
ejif-9414	280	34	.	.	PUNCT
ejif-9414	281	1	finally	finally	ADV
ejif-9414	281	2	,	,	PUNCT
ejif-9414	281	3	the	the	DET
ejif-9414	281	4	study	study	NOUN
ejif-9414	281	5	recommended	recommend	VERB
ejif-9414	281	6	further	further	ADJ
ejif-9414	281	7	research	research	NOUN
ejif-9414	281	8	that	that	PRON
ejif-9414	281	9	will	will	AUX
ejif-9414	281	10	increase	increase	VERB
ejif-9414	281	11	the	the	DET
ejif-9414	281	12	sample	sample	NOUN
ejif-9414	281	13	size	size	NOUN
ejif-9414	281	14	and	and	CCONJ
ejif-9414	281	15	geographical	geographical	ADJ
ejif-9414	281	16	coverage	coverage	NOUN
ejif-9414	281	17	for	for	ADP
ejif-9414	281	18	higher	high	ADJ
ejif-9414	281	19	generalizability	generalizability	NOUN
ejif-9414	281	20	of	of	ADP
ejif-9414	281	21	findings	finding	NOUN
ejif-9414	281	22	.	.	PUNCT
ejif-9414	282	1	references	reference	NOUN
ejif-9414	282	2	abdullatif	abdullatif	VERB
ejif-9414	282	3	,	,	PUNCT
ejif-9414	282	4	a.	a.	PROPN
ejif-9414	282	5	s.	s.	PROPN
ejif-9414	282	6	,	,	PUNCT
ejif-9414	282	7	omar	omar	PROPN
ejif-9414	282	8	,	,	PUNCT
ejif-9414	282	9	m.r	m.r	PROPN
ejif-9414	282	10	.	.	PROPN
ejif-9414	282	11	&	&	CCONJ
ejif-9414	282	12	udin	udin	PROPN
ejif-9414	282	13	,	,	PUNCT
ejif-9414	282	14	m.b.m	m.b.m	ADV
ejif-9414	282	15	.	.	PUNCT
ejif-9414	283	1	(	(	PUNCT
ejif-9414	283	2	2017	2017	NUM
ejif-9414	283	3	)	)	PUNCT
ejif-9414	283	4	.	.	PUNCT
ejif-9414	284	1	theories	theory	NOUN
ejif-9414	284	2	of	of	ADP
ejif-9414	284	3	poverty	poverty	NOUN
ejif-9414	284	4	to	to	ADP
ejif-9414	284	5	the	the	DET
ejif-9414	284	6	integrative	integrative	ADJ
ejif-9414	284	7	theory	theory	NOUN
ejif-9414	284	8	.	.	PUNCT
ejif-9414	285	1	a	a	DET
ejif-9414	285	2	comparative	comparative	ADJ
ejif-9414	285	3	analysis	analysis	NOUN
ejif-9414	285	4	:	:	PUNCT
ejif-9414	285	5	accordance	accordance	NOUN
ejif-9414	285	6	to	to	ADP
ejif-9414	285	7	the	the	DET
ejif-9414	285	8	situation	situation	NOUN
ejif-9414	285	9	of	of	ADP
ejif-9414	285	10	iraq	iraq	PROPN
ejif-9414	285	11	.	.	PUNCT
ejif-9414	286	1	iosr	iosr	PROPN
ejif-9414	286	2	journal	journal	PROPN
ejif-9414	286	3	of	of	ADP
ejif-9414	286	4	humanities	humanity	NOUN
ejif-9414	286	5	and	and	CCONJ
ejif-9414	286	6	social	social	ADJ
ejif-9414	286	7	science	science	NOUN
ejif-9414	286	8	,	,	PUNCT
ejif-9414	286	9	22(5	22(5	NOUN
ejif-9414	286	10	)	)	PUNCT
ejif-9414	286	11	,	,	PUNCT
ejif-9414	286	12	47	47	NUM
ejif-9414	286	13	-	-	SYM
ejif-9414	286	14	50	50	NUM
ejif-9414	286	15	.	.	PUNCT
ejif-9414	287	1	adnan	adnan	PROPN
ejif-9414	287	2	,	,	PUNCT
ejif-9414	287	3	m.a	m.a	PROPN
ejif-9414	287	4	.	.	PROPN
ejif-9414	287	5	,	,	PUNCT
ejif-9414	287	6	&	&	CCONJ
ejif-9414	287	7	ajija	ajija	NOUN
ejif-9414	287	8	,	,	PUNCT
ejif-9414	287	9	s.r	s.r	PROPN
ejif-9414	287	10	.	.	PROPN
ejif-9414	287	11	(	(	PUNCT
ejif-9414	287	12	2015	2015	NUM
ejif-9414	287	13	)	)	PUNCT
ejif-9414	287	14	.	.	PUNCT
ejif-9414	288	1	the	the	DET
ejif-9414	288	2	effectiveness	effectiveness	NOUN
ejif-9414	288	3	of	of	ADP
ejif-9414	288	4	baitul	baitul	NOUN
ejif-9414	288	5	maal	maal	NOUN
ejif-9414	288	6	wattamwil	wattamwil	NOUN
ejif-9414	288	7	in	in	ADP
ejif-9414	288	8	reducing	reduce	VERB
ejif-9414	288	9	poverty	poverty	NOUN
ejif-9414	288	10	:	:	PUNCT
ejif-9414	288	11	the	the	DET
ejif-9414	288	12	case	case	NOUN
ejif-9414	288	13	of	of	ADP
ejif-9414	288	14	indonesian	indonesian	ADJ
ejif-9414	288	15	islamic	islamic	ADJ
ejif-9414	288	16	microfinance	microfinance	NOUN
ejif-9414	288	17	institution	institution	NOUN
ejif-9414	288	18	.	.	PUNCT
ejif-9414	289	1	humanomics	humanomics	PROPN
ejif-9414	289	2	31(2),160	31(2),160	PROPN
ejif-9414	289	3	-	-	SYM
ejif-9414	289	4	82	82	NUM
ejif-9414	289	5	.	.	PUNCT
ejif-9414	290	1	ahmed	ahmed	PROPN
ejif-9414	290	2	,	,	PUNCT
ejif-9414	290	3	h.	h.	PROPN
ejif-9414	290	4	(	(	PUNCT
ejif-9414	290	5	2007	2007	NUM
ejif-9414	290	6	)	)	PUNCT
ejif-9414	290	7	.	.	PUNCT
ejif-9414	291	1	waqf	waqf	NOUN
ejif-9414	291	2	-	-	PUNCT
ejif-9414	291	3	based	base	VERB
ejif-9414	291	4	microfinance	microfinance	NOUN
ejif-9414	291	5	:	:	PUNCT
ejif-9414	291	6	realizing	realize	VERB
ejif-9414	291	7	the	the	DET
ejif-9414	291	8	social	social	ADJ
ejif-9414	291	9	role	role	NOUN
ejif-9414	291	10	of	of	ADP
ejif-9414	291	11	islamic	islamic	ADJ
ejif-9414	291	12	finance	finance	NOUN
ejif-9414	291	13	.	.	PUNCT
ejif-9414	292	1	international	international	ADJ
ejif-9414	292	2	seminar	seminar	NOUN
ejif-9414	292	3	on	on	ADP
ejif-9414	292	4	“	"	PUNCT
ejif-9414	292	5	integrating	integrate	VERB
ejif-9414	292	6	awqaf	awqaf	NOUN
ejif-9414	292	7	in	in	ADP
ejif-9414	292	8	the	the	DET
ejif-9414	292	9	islamic	islamic	ADJ
ejif-9414	292	10	financial	financial	ADJ
ejif-9414	292	11	sector	sector	NOUN
ejif-9414	292	12	”	"	PUNCT
ejif-9414	292	13	singapore	singapore	PROPN
ejif-9414	292	14	.	.	PUNCT
ejif-9414	293	1	ajakaiye	ajakaiye	PROPN
ejif-9414	293	2	,	,	PUNCT
ejif-9414	293	3	d.	d.	PROPN
ejif-9414	293	4	o.	o.	PROPN
ejif-9414	293	5	&	&	CCONJ
ejif-9414	293	6	adeyeye	adeyeye	PROPN
ejif-9414	293	7	,	,	PUNCT
ejif-9414	293	8	v.	v.	ADP
ejif-9414	293	9	a.	a.	NOUN
ejif-9414	293	10	(	(	PUNCT
ejif-9414	293	11	2001	2001	NUM
ejif-9414	293	12	)	)	PUNCT
ejif-9414	293	13	.	.	PUNCT
ejif-9414	294	1	concepts	concept	NOUN
ejif-9414	294	2	,	,	PUNCT
ejif-9414	294	3	measurement	measurement	NOUN
ejif-9414	294	4	and	and	CCONJ
ejif-9414	294	5	causes	cause	NOUN
ejif-9414	294	6	of	of	ADP
ejif-9414	294	7	poverty	poverty	NOUN
ejif-9414	294	8	.	.	PUNCT
ejif-9414	295	1	cbn	cbn	PROPN
ejif-9414	295	2	economic	economic	PROPN
ejif-9414	295	3	&	&	CCONJ
ejif-9414	295	4	financial	financial	PROPN
ejif-9414	295	5	review	review	PROPN
ejif-9414	295	6	,	,	PUNCT
ejif-9414	295	7	39(4	39(4	NOUN
ejif-9414	295	8	)	)	PUNCT
ejif-9414	295	9	.	.	PUNCT
ejif-9414	296	1	akbar	akbar	NOUN
ejif-9414	296	2	,	,	PUNCT
ejif-9414	296	3	t.	t.	PROPN
ejif-9414	296	4	siti	siti	PROPN
ejif-9414	296	5	-	-	PUNCT
ejif-9414	296	6	nabiha	nabiha	ADJ
ejif-9414	296	7	,	,	PUNCT
ejif-9414	296	8	a.k	a.k	PROPN
ejif-9414	296	9	.	.	PROPN
ejif-9414	296	10	(	(	PUNCT
ejif-9414	296	11	2022	2022	NUM
ejif-9414	296	12	)	)	PUNCT
ejif-9414	296	13	.	.	PUNCT
ejif-9414	297	1	objectives	objective	NOUN
ejif-9414	297	2	and	and	CCONJ
ejif-9414	297	3	measures	measure	NOUN
ejif-9414	297	4	of	of	ADP
ejif-9414	297	5	performance	performance	NOUN
ejif-9414	297	6	of	of	ADP
ejif-9414	297	7	islamic	islamic	ADJ
ejif-9414	297	8	microfinance	microfinance	NOUN
ejif-9414	297	9	banks	bank	NOUN
ejif-9414	297	10	in	in	ADP
ejif-9414	297	11	indonesia	indonesia	PROPN
ejif-9414	297	12	:	:	PUNCT
ejif-9414	297	13	the	the	DET
ejif-9414	297	14	stakeholders	stakeholder	NOUN
ejif-9414	297	15	’	’	PART
ejif-9414	297	16	perspectives	perspective	NOUN
ejif-9414	297	17	.	.	PUNCT
ejif-9414	298	1	isra	isra	PROPN
ejif-9414	298	2	international	international	PROPN
ejif-9414	298	3	journal	journal	PROPN
ejif-9414	298	4	of	of	ADP
ejif-9414	298	5	islamic	islamic	PROPN
ejif-9414	298	6	finance	finance	PROPN
ejif-9414	298	7	,	,	PUNCT
ejif-9414	298	8	14(2	14(2	NUM
ejif-9414	298	9	)	)	PUNCT
ejif-9414	298	10	,	,	PUNCT
ejif-9414	298	11	124	124	NUM
ejif-9414	298	12	-	-	SYM
ejif-9414	298	13	140	140	NUM
ejif-9414	298	14	.	.	PUNCT
ejif-9414	298	15	alaro	alaro	NOUN
ejif-9414	298	16	,	,	PUNCT
ejif-9414	298	17	a.	a.	NOUN
ejif-9414	298	18	a.	a.	PROPN
ejif-9414	298	19	,	,	PUNCT
ejif-9414	298	20	&	&	CCONJ
ejif-9414	298	21	alalubosa	alalubosa	PROPN
ejif-9414	298	22	,	,	PUNCT
ejif-9414	298	23	a.h	a.h	PROPN
ejif-9414	298	24	.	.	PROPN
ejif-9414	298	25	(	(	PUNCT
ejif-9414	298	26	2019	2019	NUM
ejif-9414	298	27	)	)	PUNCT
ejif-9414	298	28	.	.	PUNCT
ejif-9414	299	1	potential	potential	NOUN
ejif-9414	299	2	of	of	ADP
ejif-9414	299	3	sharı’ah	sharı’ah	NOUN
ejif-9414	299	4	compliant	compliant	ADJ
ejif-9414	299	5	microfinance	microfinance	NOUN
ejif-9414	299	6	in	in	ADP
ejif-9414	299	7	alleviating	alleviate	VERB
ejif-9414	299	8	poverty	poverty	NOUN
ejif-9414	299	9	in	in	ADP
ejif-9414	299	10	nigeria	nigeria	PROPN
ejif-9414	299	11	.	.	PUNCT
ejif-9414	300	1	int	int	PROPN
ejif-9414	300	2	.	.	PUNCT
ejif-9414	301	1	j.	j.	PROPN
ejif-9414	301	2	islam	islam	PROPN
ejif-9414	301	3	.	.	PUNCT
ejif-9414	302	1	middle	middle	PROPN
ejif-9414	302	2	e	e	PROPN
ejif-9414	302	3	finance	finance	NOUN
ejif-9414	302	4	manag	manag	NOUN
ejif-9414	302	5	.	.	PUNCT
ejif-9414	303	1	12(1	12(1	NUM
ejif-9414	303	2	)	)	PUNCT
ejif-9414	303	3	,	,	PUNCT
ejif-9414	304	1	115–129	115–129	NUM
ejif-9414	304	2	.	.	PUNCT
ejif-9414	305	1	european	european	PROPN
ejif-9414	305	2	journal	journal	PROPN
ejif-9414	305	3	of	of	ADP
ejif-9414	305	4	islamic	islamic	PROPN
ejif-9414	305	5	finance	finance	PROPN
ejif-9414	305	6	issn	issn	PROPN
ejif-9414	305	7	:	:	PUNCT
ejif-9414	305	8	2421	2421	NUM
ejif-9414	305	9	-	-	SYM
ejif-9414	305	10	2172	2172	NUM
ejif-9414	305	11	doi	doi	NOUN
ejif-9414	305	12	:	:	PUNCT
ejif-9414	305	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	305	14	-	-	SYM
ejif-9414	305	15	2172/9414	2172/9414	NUM
ejif-9414	305	16	published	publish	VERB
ejif-9414	305	17	by	by	ADP
ejif-9414	305	18	university	university	PROPN
ejif-9414	305	19	of	of	ADP
ejif-9414	305	20	turin	turin	PROPN
ejif-9414	306	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	306	2	ejif	ejif	PROPN
ejif-9414	306	3	content	content	NOUN
ejif-9414	306	4	is	be	AUX
ejif-9414	306	5	licensed	license	VERB
ejif-9414	306	6	under	under	ADP
ejif-9414	306	7	a	a	DET
ejif-9414	306	8	creative	creative	ADJ
ejif-9414	306	9	commons	common	NOUN
ejif-9414	306	10	attribution	attribution	NOUN
ejif-9414	306	11	4.0	4.0	NUM
ejif-9414	306	12	international	international	ADJ
ejif-9414	306	13	license	license	NOUN
ejif-9414	306	14	29	29	NUM
ejif-9414	306	15	al	al	PROPN
ejif-9414	306	16	-	-	PUNCT
ejif-9414	306	17	awlaqi	awlaqi	ADJ
ejif-9414	306	18	,	,	PUNCT
ejif-9414	306	19	m.a	m.a	PROPN
ejif-9414	306	20	.	.	PROPN
ejif-9414	306	21	,	,	PUNCT
ejif-9414	306	22	&	&	CCONJ
ejif-9414	306	23	aamer	aamer	PROPN
ejif-9414	306	24	,	,	PUNCT
ejif-9414	306	25	a.m	a.m	PROPN
ejif-9414	306	26	(	(	PUNCT
ejif-9414	306	27	2019	2019	NUM
ejif-9414	306	28	)	)	PUNCT
ejif-9414	306	29	.	.	PUNCT
ejif-9414	307	1	financial	financial	ADJ
ejif-9414	307	2	and	and	CCONJ
ejif-9414	307	3	social	social	ADJ
ejif-9414	307	4	efficiency	efficiency	NOUN
ejif-9414	307	5	in	in	ADP
ejif-9414	307	6	the	the	DET
ejif-9414	307	7	yemen	yemen	PROPN
ejif-9414	307	8	microfinance	microfinance	NOUN
ejif-9414	307	9	institutions	institution	NOUN
ejif-9414	307	10	.	.	PUNCT
ejif-9414	308	1	int	int	NOUN
ejif-9414	308	2	.	.	PUNCT
ejif-9414	309	1	j.	j.	PROPN
ejif-9414	309	2	islam	islam	PROPN
ejif-9414	309	3	.	.	PUNCT
ejif-9414	310	1	middle	middle	PROPN
ejif-9414	310	2	e	e	PROPN
ejif-9414	310	3	finance	finance	NOUN
ejif-9414	310	4	manag	manag	NOUN
ejif-9414	310	5	.	.	PUNCT
ejif-9414	311	1	12	12	NUM
ejif-9414	311	2	(	(	PUNCT
ejif-9414	311	3	3	3	NUM
ejif-9414	311	4	)	)	PUNCT
ejif-9414	311	5	,	,	PUNCT
ejif-9414	311	6	322–345	322–345	NUM
ejif-9414	311	7	.	.	PUNCT
ejif-9414	312	1	ali	ali	PROPN
ejif-9414	312	2	,	,	PUNCT
ejif-9414	312	3	a.e.e.s	a.e.e.s	PROPN
ejif-9414	312	4	.	.	PUNCT
ejif-9414	312	5	(	(	PUNCT
ejif-9414	312	6	2017	2017	NUM
ejif-9414	312	7	)	)	PUNCT
ejif-9414	312	8	.	.	PUNCT
ejif-9414	313	1	the	the	DET
ejif-9414	313	2	challenges	challenge	NOUN
ejif-9414	313	3	facing	face	VERB
ejif-9414	313	4	poverty	poverty	NOUN
ejif-9414	313	5	alleviation	alleviation	NOUN
ejif-9414	313	6	and	and	CCONJ
ejif-9414	313	7	financial	financial	ADJ
ejif-9414	313	8	inclusion	inclusion	NOUN
ejif-9414	313	9	in	in	ADP
ejif-9414	313	10	north	north	NOUN
ejif-9414	313	11	-	-	PUNCT
ejif-9414	313	12	east	east	NOUN
ejif-9414	313	13	kenya	kenya	PROPN
ejif-9414	313	14	province	province	PROPN
ejif-9414	313	15	(	(	PUNCT
ejif-9414	313	16	nekp	nekp	PROPN
ejif-9414	313	17	)	)	PUNCT
ejif-9414	313	18	.	.	PUNCT
ejif-9414	314	1	int	int	NOUN
ejif-9414	314	2	.	.	PUNCT
ejif-9414	315	1	j.	j.	PROPN
ejif-9414	315	2	soc	soc	PROPN
ejif-9414	315	3	.	.	PUNCT
ejif-9414	316	1	econ	econ	PROPN
ejif-9414	316	2	.	.	PUNCT
ejif-9414	317	1	44	44	NUM
ejif-9414	317	2	(	(	PUNCT
ejif-9414	317	3	12	12	NUM
ejif-9414	317	4	)	)	PUNCT
ejif-9414	317	5	,	,	PUNCT
ejif-9414	317	6	2208–2223	2208–2223	NUM
ejif-9414	317	7	.	.	PUNCT
ejif-9414	318	1	arshad	arshad	PROPN
ejif-9414	318	2	,	,	PUNCT
ejif-9414	318	3	n.c	n.c	PROPN
ejif-9414	318	4	.	.	PROPN
ejif-9414	318	5	,	,	PUNCT
ejif-9414	318	6	&	&	CCONJ
ejif-9414	318	7	ismail	ismail	PROPN
ejif-9414	318	8	,	,	PUNCT
ejif-9414	318	9	a.g	a.g	PROPN
ejif-9414	318	10	(	(	PUNCT
ejif-9414	318	11	2010	2010	NUM
ejif-9414	318	12	)	)	PUNCT
ejif-9414	318	13	.	.	PUNCT
ejif-9414	319	1	shariah	shariah	PROPN
ejif-9414	319	2	parameters	parameter	NOUN
ejif-9414	319	3	for	for	ADP
ejif-9414	319	4	musharakah	musharakah	PROPN
ejif-9414	319	5	contract	contract	NOUN
ejif-9414	319	6	:	:	PUNCT
ejif-9414	319	7	a	a	DET
ejif-9414	319	8	comment	comment	NOUN
ejif-9414	319	9	.	.	PUNCT
ejif-9414	320	1	international	international	ADJ
ejif-9414	320	2	journal	journal	PROPN
ejif-9414	320	3	of	of	ADP
ejif-9414	320	4	business	business	NOUN
ejif-9414	320	5	and	and	CCONJ
ejif-9414	320	6	social	social	ADJ
ejif-9414	320	7	science	science	NOUN
ejif-9414	320	8	,	,	PUNCT
ejif-9414	320	9	1(1	1(1	NUM
ejif-9414	320	10	)	)	PUNCT
ejif-9414	320	11	,	,	PUNCT
ejif-9414	320	12	145	145	NUM
ejif-9414	320	13	-	-	SYM
ejif-9414	320	14	162	162	NUM
ejif-9414	320	15	.	.	PUNCT
ejif-9414	321	1	asyraf	asyraf	NOUN
ejif-9414	321	2	,	,	PUNCT
ejif-9414	321	3	m.	m.	NOUN
ejif-9414	321	4	a.	a.	NOUN
ejif-9414	321	5	(	(	PUNCT
ejif-9414	321	6	2010	2010	NUM
ejif-9414	321	7	)	)	PUNCT
ejif-9414	321	8	.	.	PUNCT
ejif-9414	322	1	the	the	DET
ejif-9414	322	2	effectiveness	effectiveness	NOUN
ejif-9414	322	3	of	of	ADP
ejif-9414	322	4	microcredit	microcredit	NOUN
ejif-9414	322	5	programs	program	NOUN
ejif-9414	322	6	and	and	CCONJ
ejif-9414	322	7	prospects	prospect	NOUN
ejif-9414	322	8	of	of	ADP
ejif-9414	322	9	islamic	islamic	ADJ
ejif-9414	322	10	microfinance	microfinance	NOUN
ejif-9414	322	11	institutes	institutes	PROPN
ejif-9414	322	12	(	(	PUNCT
ejif-9414	322	13	imfis	imfis	PROPN
ejif-9414	322	14	)	)	PUNCT
ejif-9414	322	15	in	in	ADP
ejif-9414	322	16	muslim	muslim	ADJ
ejif-9414	322	17	countries	country	NOUN
ejif-9414	322	18	:	:	PUNCT
ejif-9414	322	19	a	a	DET
ejif-9414	322	20	case	case	NOUN
ejif-9414	322	21	study	study	NOUN
ejif-9414	322	22	in	in	ADP
ejif-9414	322	23	bangladesh	bangladesh	PROPN
ejif-9414	322	24	.	.	PUNCT
ejif-9414	323	1	journal	journal	PROPN
ejif-9414	323	2	of	of	ADP
ejif-9414	323	3	islamic	islamic	ADJ
ejif-9414	323	4	economics	economic	NOUN
ejif-9414	323	5	,	,	PUNCT
ejif-9414	323	6	banking	banking	NOUN
ejif-9414	323	7	and	and	CCONJ
ejif-9414	323	8	finance	finance	NOUN
ejif-9414	323	9	,	,	PUNCT
ejif-9414	323	10	6(4	6(4	NUM
ejif-9414	323	11	):	):	PUNCT
ejif-9414	323	12	6985	6985	NUM
ejif-9414	323	13	.	.	PUNCT
ejif-9414	324	1	banerjee	banerjee	PROPN
ejif-9414	324	2	,	,	PUNCT
ejif-9414	324	3	m.	m.	NOUN
ejif-9414	324	4	m.	m.	NOUN
ejif-9414	324	5	(	(	PUNCT
ejif-9414	324	6	2016	2016	NUM
ejif-9414	324	7	)	)	PUNCT
ejif-9414	324	8	.	.	PUNCT
ejif-9414	325	1	we	we	PRON
ejif-9414	325	2	routinely	routinely	ADV
ejif-9414	325	3	borrow	borrow	VERB
ejif-9414	325	4	to	to	PART
ejif-9414	325	5	survive	survive	VERB
ejif-9414	325	6	:	:	PUNCT
ejif-9414	325	7	exploring	explore	VERB
ejif-9414	325	8	the	the	DET
ejif-9414	325	9	financial	financial	ADJ
ejif-9414	325	10	capability	capability	NOUN
ejif-9414	325	11	of	of	ADP
ejif-9414	325	12	income	income	NOUN
ejif-9414	325	13	-	-	PUNCT
ejif-9414	325	14	poor	poor	ADJ
ejif-9414	325	15	people	people	NOUN
ejif-9414	325	16	in	in	ADP
ejif-9414	325	17	india	india	PROPN
ejif-9414	325	18	.	.	PUNCT
ejif-9414	326	1	social	social	ADJ
ejif-9414	326	2	work	work	NOUN
ejif-9414	326	3	,	,	PUNCT
ejif-9414	326	4	61(4	61(4	NUM
ejif-9414	326	5	)	)	PUNCT
ejif-9414	326	6	,	,	PUNCT
ejif-9414	326	7	349–358	349–358	NUM
ejif-9414	326	8	.	.	PUNCT
ejif-9414	327	1	https://doi.org/10.1093/sw/sww045	https://doi.org/10.1093/sw/sww045	PROPN
ejif-9414	327	2	bilo	bilo	PROPN
ejif-9414	327	3	,	,	PUNCT
ejif-9414	327	4	c.	c.	PROPN
ejif-9414	327	5	&	&	CCONJ
ejif-9414	327	6	machado	machado	PROPN
ejif-9414	327	7	,	,	PUNCT
ejif-9414	327	8	a.	a.	PROPN
ejif-9414	327	9	c.	c.	PROPN
ejif-9414	327	10	(	(	PUNCT
ejif-9414	327	11	2020	2020	NUM
ejif-9414	327	12	)	)	PUNCT
ejif-9414	327	13	.	.	PUNCT
ejif-9414	328	1	the	the	DET
ejif-9414	328	2	role	role	NOUN
ejif-9414	328	3	of	of	ADP
ejif-9414	328	4	zakat	zakat	NOUN
ejif-9414	328	5	in	in	ADP
ejif-9414	328	6	the	the	DET
ejif-9414	328	7	provision	provision	NOUN
ejif-9414	328	8	of	of	ADP
ejif-9414	328	9	social	social	ADJ
ejif-9414	328	10	protection	protection	NOUN
ejif-9414	328	11	:	:	PUNCT
ejif-9414	328	12	a	a	DET
ejif-9414	328	13	comparison	comparison	NOUN
ejif-9414	328	14	between	between	ADP
ejif-9414	328	15	jordan	jordan	PROPN
ejif-9414	328	16	and	and	CCONJ
ejif-9414	328	17	sudan	sudan	PROPN
ejif-9414	328	18	.	.	PUNCT
ejif-9414	329	1	int	int	PROPN
ejif-9414	329	2	j	j	PROPN
ejif-9414	329	3	sociol	sociol	PROPN
ejif-9414	329	4	soc	soc	PROPN
ejif-9414	329	5	policy	policy	NOUN
ejif-9414	329	6	,	,	PUNCT
ejif-9414	329	7	40(3–4	40(3–4	PROPN
ejif-9414	329	8	)	)	PUNCT
ejif-9414	329	9	,	,	PUNCT
ejif-9414	329	10	236–48	236–48	NUM
ejif-9414	329	11	.	.	PUNCT
ejif-9414	330	1	https://doi.org/10.1108/ijssp-11-20180218	https://doi.org/10.1108/ijssp-11-20180218	PROPN
ejif-9414	330	2	babu	babu	PROPN
ejif-9414	330	3	,	,	PUNCT
ejif-9414	330	4	d.r	d.r	PROPN
ejif-9414	330	5	.	.	PROPN
ejif-9414	330	6	naratejaswini	naratejaswini	PROPN
ejif-9414	330	7	&	&	CCONJ
ejif-9414	330	8	umakanth	umakanth	PROPN
ejif-9414	330	9	,	,	PUNCT
ejif-9414	330	10	j	j	PROPN
ejif-9414	330	11	(	(	PUNCT
ejif-9414	330	12	2019	2019	NUM
ejif-9414	330	13	)	)	PUNCT
ejif-9414	330	14	.	.	PUNCT
ejif-9414	331	1	the	the	DET
ejif-9414	331	2	role	role	NOUN
ejif-9414	331	3	of	of	ADP
ejif-9414	331	4	microfinance	microfinance	NOUN
ejif-9414	331	5	in	in	ADP
ejif-9414	331	6	india	india	PROPN
ejif-9414	331	7	.	.	PUNCT
ejif-9414	332	1	14th	14th	ADJ
ejif-9414	332	2	international	international	ADJ
ejif-9414	332	3	conference	conference	NOUN
ejif-9414	332	4	on	on	ADP
ejif-9414	332	5	science	science	NOUN
ejif-9414	332	6	,	,	PUNCT
ejif-9414	332	7	technology	technology	NOUN
ejif-9414	332	8	and	and	CCONJ
ejif-9414	332	9	management	management	NOUN
ejif-9414	332	10	,	,	PUNCT
ejif-9414	332	11	organized	organize	VERB
ejif-9414	332	12	by	by	ADP
ejif-9414	332	13	guru	guru	NOUN
ejif-9414	332	14	gobind	gobind	PROPN
ejif-9414	332	15	singh	singh	PROPN
ejif-9414	332	16	polytechnic	polytechnic	ADJ
ejif-9414	332	17	,	,	PUNCT
ejif-9414	332	18	nashik	nashik	NOUN
ejif-9414	332	19	,	,	PUNCT
ejif-9414	332	20	maharashtra	maharashtra	PROPN
ejif-9414	332	21	,	,	PUNCT
ejif-9414	332	22	india	india	PROPN
ejif-9414	332	23	.	.	PUNCT
ejif-9414	333	1	demirguc	demirguc	PROPN
ejif-9414	333	2	-	-	PUNCT
ejif-9414	333	3	kunt	kunt	PROPN
ejif-9414	333	4	,	,	PUNCT
ejif-9414	333	5	a.	a.	NOUN
ejif-9414	333	6	beck	beck	PROPN
ejif-9414	333	7	,	,	PUNCT
ejif-9414	333	8	t.	t.	PROPN
ejif-9414	333	9	&	&	CCONJ
ejif-9414	333	10	honohan	honohan	PROPN
ejif-9414	333	11	,	,	PUNCT
ejif-9414	333	12	p.	p.	NOUN
ejif-9414	333	13	(	(	PUNCT
ejif-9414	333	14	2008	2008	NUM
ejif-9414	333	15	)	)	PUNCT
ejif-9414	333	16	.	.	PUNCT
ejif-9414	334	1	finance	finance	NOUN
ejif-9414	334	2	for	for	ADP
ejif-9414	334	3	all	all	DET
ejif-9414	334	4	:	:	PUNCT
ejif-9414	334	5	policies	policy	NOUN
ejif-9414	334	6	and	and	CCONJ
ejif-9414	334	7	pitfalls	pitfall	NOUN
ejif-9414	334	8	in	in	ADP
ejif-9414	334	9	expending	expend	VERB
ejif-9414	334	10	(	(	PUNCT
ejif-9414	334	11	policy	policy	NOUN
ejif-9414	334	12	research	research	NOUN
ejif-9414	334	13	report	report	NOUN
ejif-9414	334	14	)	)	PUNCT
ejif-9414	334	15	.	.	PUNCT
ejif-9414	335	1	washington	washington	PROPN
ejif-9414	335	2	dc	dc	PROPN
ejif-9414	335	3	:	:	PUNCT
ejif-9414	335	4	world	world	PROPN
ejif-9414	335	5	bank	bank	PROPN
ejif-9414	335	6	.	.	PUNCT
ejif-9414	336	1	dhaoui	dhaoui	PROPN
ejif-9414	336	2	,	,	PUNCT
ejif-9414	336	3	i.	i.	NOUN
ejif-9414	336	4	(	(	PUNCT
ejif-9414	336	5	2015	2015	NUM
ejif-9414	336	6	)	)	PUNCT
ejif-9414	336	7	.	.	PUNCT
ejif-9414	337	1	the	the	DET
ejif-9414	337	2	role	role	NOUN
ejif-9414	337	3	of	of	ADP
ejif-9414	337	4	islamic	islamic	ADJ
ejif-9414	337	5	micronance	micronance	NOUN
ejif-9414	337	6	in	in	ADP
ejif-9414	337	7	poverty	poverty	NOUN
ejif-9414	337	8	alleviation	alleviation	NOUN
ejif-9414	337	9	:	:	PUNCT
ejif-9414	337	10	lessons	lesson	NOUN
ejif-9414	337	11	from	from	ADP
ejif-9414	337	12	bangladesh	bangladesh	NOUN
ejif-9414	337	13	experience	experience	NOUN
ejif-9414	337	14	.	.	PUNCT
ejif-9414	338	1	mpra	mpra	PROPN
ejif-9414	338	2	paper	paper	PROPN
ejif-9414	338	3	no	no	PROPN
ejif-9414	338	4	.	.	PUNCT
ejif-9414	338	5	87358	87358	NUM
ejif-9414	338	6	.	.	PUNCT
ejif-9414	339	1	dogarawa	dogarawa	PROPN
ejif-9414	339	2	,	,	PUNCT
ejif-9414	339	3	a.	a.	PROPN
ejif-9414	339	4	b.	b.	PROPN
ejif-9414	339	5	(	(	PUNCT
ejif-9414	339	6	2008	2008	NUM
ejif-9414	339	7	)	)	PUNCT
ejif-9414	339	8	.	.	PUNCT
ejif-9414	340	1	the	the	DET
ejif-9414	340	2	institution	institution	NOUN
ejif-9414	340	3	of	of	ADP
ejif-9414	340	4	zakah	zakah	PROPN
ejif-9414	340	5	and	and	CCONJ
ejif-9414	340	6	its	its	PRON
ejif-9414	340	7	impact	impact	NOUN
ejif-9414	340	8	on	on	ADP
ejif-9414	340	9	poverty	poverty	NOUN
ejif-9414	340	10	eradication	eradication	NOUN
ejif-9414	340	11	in	in	ADP
ejif-9414	340	12	nigeria	nigeria	PROPN
ejif-9414	340	13	keynote	keynote	PROPN
ejif-9414	340	14	address	address	NOUN
ejif-9414	340	15	presented	present	VERB
ejif-9414	340	16	at	at	ADP
ejif-9414	340	17	the	the	DET
ejif-9414	340	18	6th	6th	ADJ
ejif-9414	340	19	annual	annual	ADJ
ejif-9414	340	20	seminar	seminar	NOUN
ejif-9414	340	21	organised	organise	VERB
ejif-9414	340	22	by	by	ADP
ejif-9414	340	23	the	the	DET
ejif-9414	340	24	centre	centre	NOUN
ejif-9414	340	25	for	for	ADP
ejif-9414	340	26	islamic	islamic	PROPN
ejif-9414	340	27	thought	thought	PROPN
ejif-9414	340	28	,	,	PUNCT
ejif-9414	340	29	yola	yola	PROPN
ejif-9414	340	30	,	,	PUNCT
ejif-9414	340	31	adamawa	adamawa	PROPN
ejif-9414	340	32	.	.	PUNCT
ejif-9414	341	1	drissi	drissi	PROPN
ejif-9414	341	2	,	,	PUNCT
ejif-9414	341	3	s.	s.	PROPN
ejif-9414	341	4	&	&	CCONJ
ejif-9414	341	5	guerguer	guerguer	PROPN
ejif-9414	341	6	,	,	PUNCT
ejif-9414	341	7	w.	w.	PROPN
ejif-9414	341	8	(	(	PUNCT
ejif-9414	341	9	2023	2023	NUM
ejif-9414	341	10	)	)	PUNCT
ejif-9414	341	11	.	.	PUNCT
ejif-9414	342	1	the	the	DET
ejif-9414	342	2	effects	effect	NOUN
ejif-9414	342	3	of	of	ADP
ejif-9414	342	4	interest	interest	NOUN
ejif-9414	342	5	rates	rate	NOUN
ejif-9414	342	6	on	on	ADP
ejif-9414	342	7	islamic	islamic	ADJ
ejif-9414	342	8	and	and	CCONJ
ejif-9414	342	9	conventional	conventional	ADJ
ejif-9414	342	10	banks	bank	NOUN
ejif-9414	342	11	:	:	PUNCT
ejif-9414	342	12	a	a	DET
ejif-9414	342	13	comparative	comparative	ADJ
ejif-9414	342	14	study	study	NOUN
ejif-9414	342	15	of	of	ADP
ejif-9414	342	16	monetary	monetary	ADJ
ejif-9414	342	17	policy	policy	NOUN
ejif-9414	342	18	transmission	transmission	NOUN
ejif-9414	342	19	channels	channel	NOUN
ejif-9414	342	20	.	.	PUNCT
ejif-9414	343	1	european	european	ADJ
ejif-9414	343	2	journal	journal	PROPN
ejif-9414	343	3	of	of	ADP
ejif-9414	343	4	islamic	islamic	PROPN
ejif-9414	343	5	finance	finance	PROPN
ejif-9414	343	6	,	,	PUNCT
ejif-9414	343	7	10(3	10(3	NUM
ejif-9414	343	8	)	)	PUNCT
ejif-9414	343	9	,	,	PUNCT
ejif-9414	343	10	28	28	NUM
ejif-9414	343	11	-	-	SYM
ejif-9414	343	12	44	44	NUM
ejif-9414	343	13	.	.	PUNCT
ejif-9414	344	1	dusuki	dusuki	PROPN
ejif-9414	344	2	,	,	PUNCT
ejif-9414	344	3	a.w	a.w	PROPN
ejif-9414	344	4	.	.	PROPN
ejif-9414	344	5	(	(	PUNCT
ejif-9414	344	6	2008	2008	NUM
ejif-9414	344	7	)	)	PUNCT
ejif-9414	344	8	.	.	PUNCT
ejif-9414	345	1	understanding	understand	VERB
ejif-9414	345	2	the	the	DET
ejif-9414	345	3	objectives	objective	NOUN
ejif-9414	345	4	of	of	ADP
ejif-9414	345	5	islamic	islamic	ADJ
ejif-9414	345	6	banking	banking	NOUN
ejif-9414	345	7	:	:	PUNCT
ejif-9414	345	8	a	a	DET
ejif-9414	345	9	survey	survey	NOUN
ejif-9414	345	10	of	of	ADP
ejif-9414	345	11	stakeholders	stakeholder	NOUN
ejif-9414	345	12	’	'	PUNCT
ejif-9414	345	13	perspectives	perspective	NOUN
ejif-9414	345	14	.	.	PUNCT
ejif-9414	346	1	international	international	ADJ
ejif-9414	346	2	journal	journal	PROPN
ejif-9414	346	3	of	of	ADP
ejif-9414	346	4	islamic	islamic	ADJ
ejif-9414	346	5	and	and	CCONJ
ejif-9414	346	6	middle	middle	ADJ
ejif-9414	346	7	eastern	eastern	ADJ
ejif-9414	346	8	finance	finance	NOUN
ejif-9414	346	9	and	and	CCONJ
ejif-9414	346	10	management	management	NOUN
ejif-9414	346	11	,	,	PUNCT
ejif-9414	346	12	1(2	1(2	NUM
ejif-9414	346	13	)	)	PUNCT
ejif-9414	346	14	,	,	PUNCT
ejif-9414	346	15	132	132	NUM
ejif-9414	346	16	-	-	SYM
ejif-9414	346	17	148	148	NUM
ejif-9414	346	18	.	.	PUNCT
ejif-9414	347	1	el	el	PROPN
ejif-9414	347	2	-	-	PUNCT
ejif-9414	347	3	komi	komi	PROPN
ejif-9414	347	4	,	,	PUNCT
ejif-9414	347	5	m.	m.	NOUN
ejif-9414	347	6	&	&	CCONJ
ejif-9414	347	7	croson	croson	PROPN
ejif-9414	347	8	,	,	PUNCT
ejif-9414	347	9	r.	r.	PROPN
ejif-9414	347	10	(	(	PUNCT
ejif-9414	347	11	2013	2013	NUM
ejif-9414	347	12	)	)	PUNCT
ejif-9414	347	13	.	.	PUNCT
ejif-9414	348	1	experiments	experiment	NOUN
ejif-9414	348	2	in	in	ADP
ejif-9414	348	3	islamic	islamic	ADJ
ejif-9414	348	4	microfinance	microfinance	NOUN
ejif-9414	348	5	.	.	PUNCT
ejif-9414	349	1	journal	journal	NOUN
ejif-9414	349	2	of	of	ADP
ejif-9414	349	3	economic	economic	ADJ
ejif-9414	349	4	behavior	behavior	NOUN
ejif-9414	349	5	&	&	CCONJ
ejif-9414	349	6	organization	organization	PROPN
ejif-9414	349	7	,	,	PUNCT
ejif-9414	349	8	95	95	NUM
ejif-9414	349	9	,	,	PUNCT
ejif-9414	349	10	252–269	252–269	NUM
ejif-9414	349	11	.	.	PUNCT
ejif-9414	350	1	gweshengwe	gweshengwe	PROPN
ejif-9414	350	2	,	,	PUNCT
ejif-9414	350	3	b.	b.	PROPN
ejif-9414	350	4	&	&	CCONJ
ejif-9414	350	5	hassan	hassan	PROPN
ejif-9414	350	6	,	,	PUNCT
ejif-9414	350	7	n.h	n.h	PROPN
ejif-9414	350	8	.	.	PUNCT
ejif-9414	350	9	(	(	PUNCT
ejif-9414	350	10	2020	2020	NUM
ejif-9414	350	11	)	)	PUNCT
ejif-9414	350	12	.	.	PUNCT
ejif-9414	351	1	defining	define	VERB
ejif-9414	351	2	the	the	DET
ejif-9414	351	3	characteristics	characteristic	NOUN
ejif-9414	351	4	of	of	ADP
ejif-9414	351	5	poverty	poverty	NOUN
ejif-9414	351	6	and	and	CCONJ
ejif-9414	351	7	their	their	PRON
ejif-9414	351	8	implications	implication	NOUN
ejif-9414	351	9	for	for	ADP
ejif-9414	351	10	poverty	poverty	NOUN
ejif-9414	351	11	analysis	analysis	NOUN
ejif-9414	351	12	.	.	PUNCT
ejif-9414	352	1	cogent	cogent	ADJ
ejif-9414	352	2	social	social	ADJ
ejif-9414	352	3	sciences	sciences	PROPN
ejif-9414	352	4	,	,	PUNCT
ejif-9414	352	5	6(1	6(1	NUM
ejif-9414	352	6	)	)	PUNCT
ejif-9414	352	7	,	,	PUNCT
ejif-9414	352	8	1	1	NUM
ejif-9414	352	9	-	-	SYM
ejif-9414	352	10	10	10	NUM
ejif-9414	352	11	.	.	PUNCT
ejif-9414	353	1	https://doi.org/10.1080/23311886.2020.1768669	https://doi.org/10.1080/23311886.2020.1768669	PROPN
ejif-9414	353	2	haneef	haneef	PROPN
ejif-9414	353	3	,	,	PUNCT
ejif-9414	353	4	m.	m.	NOUN
ejif-9414	353	5	a.	a.	NOUN
ejif-9414	353	6	,	,	PUNCT
ejif-9414	353	7	pramanik	pramanik	VERB
ejif-9414	353	8	,	,	PUNCT
ejif-9414	353	9	a.	a.	PROPN
ejif-9414	353	10	h.	h.	PROPN
ejif-9414	353	11	,	,	PUNCT
ejif-9414	353	12	mohammed	mohammed	PROPN
ejif-9414	353	13	,	,	PUNCT
ejif-9414	353	14	m.	m.	NOUN
ejif-9414	353	15	o.	o.	PROPN
ejif-9414	353	16	,	,	PUNCT
ejif-9414	353	17	amin	amin	PROPN
ejif-9414	353	18	,	,	PUNCT
ejif-9414	353	19	m.	m.	PROPN
ejif-9414	353	20	f.	f.	PROPN
ejif-9414	353	21	&	&	CCONJ
ejif-9414	353	22	muhammad	muhammad	PROPN
ejif-9414	353	23	,	,	PUNCT
ejif-9414	353	24	a.	a.	PROPN
ejif-9414	353	25	d.	d.	PROPN
ejif-9414	353	26	(	(	PUNCT
ejif-9414	353	27	2015	2015	NUM
ejif-9414	353	28	)	)	PUNCT
ejif-9414	353	29	.	.	PUNCT
ejif-9414	354	1	integration	integration	NOUN
ejif-9414	354	2	of	of	ADP
ejif-9414	354	3	waqf	waqf	ADJ
ejif-9414	354	4	-	-	PUNCT
ejif-9414	354	5	islamic	islamic	ADJ
ejif-9414	354	6	microfinance	microfinance	NOUN
ejif-9414	354	7	model	model	NOUN
ejif-9414	354	8	for	for	ADP
ejif-9414	354	9	poverty	poverty	NOUN
ejif-9414	354	10	reduction	reduction	NOUN
ejif-9414	354	11	:	:	PUNCT
ejif-9414	354	12	the	the	DET
ejif-9414	354	13	case	case	NOUN
ejif-9414	354	14	of	of	ADP
ejif-9414	354	15	bangladesh	bangladesh	PROPN
ejif-9414	354	16	.	.	PUNCT
ejif-9414	355	1	international	international	ADJ
ejif-9414	355	2	journal	journal	PROPN
ejif-9414	355	3	of	of	ADP
ejif-9414	355	4	islamic	islamic	ADJ
ejif-9414	355	5	and	and	CCONJ
ejif-9414	355	6	middle	middle	ADJ
ejif-9414	355	7	eastern	eastern	ADJ
ejif-9414	355	8	finance	finance	NOUN
ejif-9414	355	9	and	and	CCONJ
ejif-9414	355	10	management	management	NOUN
ejif-9414	355	11	,	,	PUNCT
ejif-9414	355	12	8(2	8(2	NUM
ejif-9414	355	13	)	)	PUNCT
ejif-9414	355	14	,	,	PUNCT
ejif-9414	355	15	246	246	NUM
ejif-9414	355	16	-	-	SYM
ejif-9414	355	17	270	270	NUM
ejif-9414	355	18	.	.	PUNCT
ejif-9414	356	1	hassan	hassan	PROPN
ejif-9414	356	2	,	,	PUNCT
ejif-9414	356	3	m.	m.	PROPN
ejif-9414	356	4	k.	k.	PROPN
ejif-9414	356	5	,	,	PUNCT
ejif-9414	356	6	alshater	alshater	NOUN
ejif-9414	356	7	,	,	PUNCT
ejif-9414	356	8	m.	m.	NOUN
ejif-9414	356	9	m.	m.	NOUN
ejif-9414	356	10	,	,	PUNCT
ejif-9414	356	11	hasan	hasan	PROPN
ejif-9414	356	12	,	,	PUNCT
ejif-9414	356	13	r.	r.	PROPN
ejif-9414	356	14	&	&	CCONJ
ejif-9414	356	15	bhuiyan	bhuiyan	PROPN
ejif-9414	356	16	,	,	PUNCT
ejif-9414	356	17	a.	a.	NOUN
ejif-9414	356	18	(	(	PUNCT
ejif-9414	356	19	2021	2021	NUM
ejif-9414	356	20	)	)	PUNCT
ejif-9414	356	21	.	.	PUNCT
ejif-9414	357	1	islamic	islamic	ADJ
ejif-9414	357	2	microfinance	microfinance	PROPN
ejif-9414	357	3	:	:	PUNCT
ejif-9414	357	4	a	a	DET
ejif-9414	357	5	bibliometric	bibliometric	ADJ
ejif-9414	357	6	review	review	NOUN
ejif-9414	357	7	.	.	PUNCT
ejif-9414	358	1	global	global	ADJ
ejif-9414	358	2	finance	finance	PROPN
ejif-9414	358	3	journal	journal	PROPN
ejif-9414	358	4	,	,	PUNCT
ejif-9414	358	5	49	49	NUM
ejif-9414	358	6	,	,	PUNCT
ejif-9414	358	7	1	1	NUM
ejif-9414	358	8	-	-	SYM
ejif-9414	358	9	14	14	NUM
ejif-9414	358	10	.	.	PUNCT
ejif-9414	359	1	ibrahim	ibrahim	PROPN
ejif-9414	359	2	,	,	PUNCT
ejif-9414	359	3	m.	m.	NOUN
ejif-9414	359	4	&	&	CCONJ
ejif-9414	359	5	murtala	murtala	PROPN
ejif-9414	359	6	,	,	PUNCT
ejif-9414	359	7	s.	s.	PROPN
ejif-9414	359	8	(	(	PUNCT
ejif-9414	359	9	2018	2018	NUM
ejif-9414	359	10	)	)	PUNCT
ejif-9414	359	11	.	.	PUNCT
ejif-9414	360	1	the	the	DET
ejif-9414	360	2	role	role	NOUN
ejif-9414	360	3	of	of	ADP
ejif-9414	360	4	islamic	islamic	ADJ
ejif-9414	360	5	microfinance	microfinance	NOUN
ejif-9414	360	6	institutions	institution	NOUN
ejif-9414	360	7	in	in	ADP
ejif-9414	360	8	alleviating	alleviate	VERB
ejif-9414	360	9	poverty	poverty	NOUN
ejif-9414	360	10	in	in	ADP
ejif-9414	360	11	bauchi	bauchi	ADJ
ejif-9414	360	12	state	state	PROPN
ejif-9414	360	13	,	,	PUNCT
ejif-9414	360	14	nigeria	nigeria	PROPN
ejif-9414	360	15	.	.	PUNCT
ejif-9414	361	1	international	international	ADJ
ejif-9414	361	2	journal	journal	PROPN
ejif-9414	361	3	of	of	ADP
ejif-9414	361	4	service	service	NOUN
ejif-9414	361	5	science	science	NOUN
ejif-9414	361	6	,	,	PUNCT
ejif-9414	361	7	management	management	NOUN
ejif-9414	361	8	and	and	CCONJ
ejif-9414	361	9	engineering	engineering	NOUN
ejif-9414	361	10	.	.	PUNCT
ejif-9414	362	1	5(1	5(1	NUM
ejif-9414	362	2	)	)	PUNCT
ejif-9414	362	3	,	,	PUNCT
ejif-9414	362	4	9	9	NUM
ejif-9414	362	5	-	-	SYM
ejif-9414	362	6	22	22	NUM
ejif-9414	362	7	.	.	PUNCT
ejif-9414	363	1	ijaiya	ijaiya	PROPN
ejif-9414	363	2	,	,	PUNCT
ejif-9414	363	3	m.a	m.a	PROPN
ejif-9414	363	4	.	.	PROPN
ejif-9414	363	5	,	,	PUNCT
ejif-9414	363	6	jimoh	jimoh	PROPN
ejif-9414	363	7	,	,	PUNCT
ejif-9414	363	8	a.t	a.t	PROPN
ejif-9414	363	9	.	.	PROPN
ejif-9414	363	10	attah	attah	PROPN
ejif-9414	363	11	,	,	PUNCT
ejif-9414	363	12	j.a	j.a	PROPN
ejif-9414	363	13	,	,	PUNCT
ejif-9414	363	14	abdulmumin	abdulmumin	PROPN
ejif-9414	363	15	,	,	PUNCT
ejif-9414	363	16	b.a	b.a	PROPN
ejif-9414	363	17	,	,	PUNCT
ejif-9414	363	18	&	&	CCONJ
ejif-9414	363	19	nafiu	nafiu	PROPN
ejif-9414	363	20	,	,	PUNCT
ejif-9414	363	21	a.i	a.i	PROPN
ejif-9414	363	22	.	.	PROPN
ejif-9414	363	23	(	(	PUNCT
ejif-9414	363	24	2021	2021	NUM
ejif-9414	363	25	)	)	PUNCT
ejif-9414	363	26	.	.	PUNCT
ejif-9414	364	1	murabaha	murabaha	NOUN
ejif-9414	364	2	-	-	PUNCT
ejif-9414	364	3	related	relate	VERB
ejif-9414	364	4	credit	credit	NOUN
ejif-9414	364	5	risk	risk	NOUN
ejif-9414	364	6	and	and	CCONJ
ejif-9414	364	7	financial	financial	ADJ
ejif-9414	364	8	performance	performance	NOUN
ejif-9414	364	9	of	of	ADP
ejif-9414	364	10	islamic	islamic	ADJ
ejif-9414	364	11	banks	bank	NOUN
ejif-9414	364	12	in	in	ADP
ejif-9414	364	13	africa	africa	PROPN
ejif-9414	364	14	.	.	PUNCT
ejif-9414	365	1	international	international	ADJ
ejif-9414	365	2	journal	journal	PROPN
ejif-9414	365	3	of	of	ADP
ejif-9414	365	4	islamic	islamic	PROPN
ejif-9414	365	5	banking	banking	PROPN
ejif-9414	365	6	and	and	CCONJ
ejif-9414	365	7	finance	finance	NOUN
ejif-9414	365	8	research	research	NOUN
ejif-9414	365	9	,	,	PUNCT
ejif-9414	365	10	5(1),60	5(1),60	NUM
ejif-9414	365	11	-	-	SYM
ejif-9414	365	12	69	69	NUM
ejif-9414	365	13	.	.	PUNCT
ejif-9414	366	1	iqbal	iqbal	PROPN
ejif-9414	366	2	,	,	PUNCT
ejif-9414	366	3	z.	z.	PROPN
ejif-9414	366	4	(	(	PUNCT
ejif-9414	366	5	2015	2015	NUM
ejif-9414	366	6	)	)	PUNCT
ejif-9414	366	7	.	.	PUNCT
ejif-9414	367	1	islamic	islamic	PROPN
ejif-9414	367	2	finance	finance	PROPN
ejif-9414	367	3	:	:	PUNCT
ejif-9414	367	4	financial	financial	ADJ
ejif-9414	367	5	inclusion	inclusion	NOUN
ejif-9414	367	6	as	as	ADP
ejif-9414	367	7	a	a	DET
ejif-9414	367	8	core	core	NOUN
ejif-9414	367	9	concept	concept	NOUN
ejif-9414	367	10	.	.	PUNCT
ejif-9414	368	1	islamic	islamic	ADJ
ejif-9414	368	2	finance	finance	PROPN
ejif-9414	368	3	for	for	ADP
ejif-9414	368	4	asia	asia	PROPN
ejif-9414	368	5	:	:	PUNCT
ejif-9414	368	6	development	development	NOUN
ejif-9414	368	7	,	,	PUNCT
ejif-9414	368	8	prospects	prospect	NOUN
ejif-9414	368	9	,	,	PUNCT
ejif-9414	368	10	and	and	CCONJ
ejif-9414	368	11	inclusive	inclusive	ADJ
ejif-9414	368	12	growth	growth	NOUN
ejif-9414	368	13	,	,	PUNCT
ejif-9414	368	14	adb	adb	NOUN
ejif-9414	368	15	and	and	CCONJ
ejif-9414	368	16	ifsb	ifsb	ADJ
ejif-9414	368	17	.	.	PUNCT
ejif-9414	369	1	jimoh	jimoh	PROPN
ejif-9414	369	2	,	,	PUNCT
ejif-9414	369	3	a.t	a.t	PROPN
ejif-9414	369	4	.	.	PROPN
ejif-9414	369	5	,	,	PUNCT
ejif-9414	369	6	attah	attah	PROPN
ejif-9414	369	7	,	,	PUNCT
ejif-9414	369	8	j.a	j.a	PROPN
ejif-9414	369	9	.	.	PROPN
ejif-9414	369	10	&	&	CCONJ
ejif-9414	369	11	abdul	abdul	PROPN
ejif-9414	369	12	,	,	PUNCT
ejif-9414	369	13	f.a	f.a	PROPN
ejif-9414	369	14	(	(	PUNCT
ejif-9414	369	15	2021	2021	NUM
ejif-9414	369	16	)	)	PUNCT
ejif-9414	369	17	.	.	PUNCT
ejif-9414	370	1	financial	financial	ADJ
ejif-9414	370	2	performance	performance	NOUN
ejif-9414	370	3	of	of	ADP
ejif-9414	370	4	islamic	islamic	ADJ
ejif-9414	370	5	banking	banking	NOUN
ejif-9414	370	6	in	in	ADP
ejif-9414	370	7	nigeria	nigeria	PROPN
ejif-9414	370	8	:	:	PUNCT
ejif-9414	370	9	a	a	DET
ejif-9414	370	10	camel	camel	NOUN
ejif-9414	370	11	analysis	analysis	NOUN
ejif-9414	370	12	of	of	ADP
ejif-9414	370	13	jaiz	jaiz	PROPN
ejif-9414	370	14	bank	bank	PROPN
ejif-9414	370	15	plc	plc	PROPN
ejif-9414	370	16	.	.	PUNCT
ejif-9414	371	1	international	international	PROPN
ejif-9414	371	2	journal	journal	PROPN
ejif-9414	371	3	of	of	ADP
ejif-9414	371	4	shari'ah	shari'ah	NOUN
ejif-9414	371	5	and	and	CCONJ
ejif-9414	371	6	corporate	corporate	ADJ
ejif-9414	371	7	governance	governance	NOUN
ejif-9414	371	8	research	research	NOUN
ejif-9414	371	9	,	,	PUNCT
ejif-9414	371	10	4(1	4(1	NOUN
ejif-9414	371	11	)	)	PUNCT
ejif-9414	371	12	,	,	PUNCT
ejif-9414	371	13	1	1	NUM
ejif-9414	371	14	-	-	SYM
ejif-9414	371	15	15	15	NUM
ejif-9414	371	16	.	.	PUNCT
ejif-9414	372	1	khaled	khale	VERB
ejif-9414	372	2	,	,	PUNCT
ejif-9414	372	3	m.	m.	NOUN
ejif-9414	372	4	(	(	PUNCT
ejif-9414	372	5	2011	2011	NUM
ejif-9414	372	6	)	)	PUNCT
ejif-9414	372	7	.	.	PUNCT
ejif-9414	373	1	building	build	VERB
ejif-9414	373	2	a	a	DET
ejif-9414	373	3	successful	successful	ADJ
ejif-9414	373	4	business	business	NOUN
ejif-9414	373	5	model	model	NOUN
ejif-9414	373	6	for	for	ADP
ejif-9414	373	7	islamic	islamic	ADJ
ejif-9414	373	8	microfinance	microfinance	NOUN
ejif-9414	373	9	.	.	PUNCT
ejif-9414	373	10	”	"	PUNCT
ejif-9414	374	1	in	in	ADP
ejif-9414	374	2	global	global	ADJ
ejif-9414	374	3	microcredit	microcredit	NOUN
ejif-9414	374	4	summit	summit	NOUN
ejif-9414	374	5	commissioned	commission	VERB
ejif-9414	374	6	workshop	workshop	NOUN
ejif-9414	374	7	.	.	PUNCT
ejif-9414	375	1	khan	khan	PROPN
ejif-9414	375	2	,	,	PUNCT
ejif-9414	375	3	h.r	h.r	PROPN
ejif-9414	375	4	.	.	PROPN
ejif-9414	375	5	(	(	PUNCT
ejif-9414	375	6	2012	2012	NUM
ejif-9414	375	7	)	)	PUNCT
ejif-9414	375	8	.	.	PUNCT
ejif-9414	376	1	issues	issue	NOUN
ejif-9414	376	2	and	and	CCONJ
ejif-9414	376	3	challenges	challenge	NOUN
ejif-9414	376	4	in	in	ADP
ejif-9414	376	5	financial	financial	ADJ
ejif-9414	376	6	inclusion	inclusion	NOUN
ejif-9414	376	7	:	:	PUNCT
ejif-9414	376	8	policies	policy	NOUN
ejif-9414	376	9	,	,	PUNCT
ejif-9414	376	10	partnerships	partnership	NOUN
ejif-9414	376	11	,	,	PUNCT
ejif-9414	376	12	processes	process	NOUN
ejif-9414	376	13	and	and	CCONJ
ejif-9414	376	14	products	product	NOUN
ejif-9414	376	15	.	.	PUNCT
ejif-9414	377	1	rbi	rbi	VERB
ejif-9414	377	2	monthly	monthly	ADJ
ejif-9414	377	3	bulletin	bulletin	NOUN
ejif-9414	377	4	,	,	PUNCT
ejif-9414	377	5	august	august	PROPN
ejif-9414	377	6	,	,	PUNCT
ejif-9414	377	7	1447	1447	NUM
ejif-9414	377	8	-	-	SYM
ejif-9414	377	9	1457	1457	NUM
ejif-9414	377	10	.	.	PUNCT
ejif-9414	378	1	kuncoro	kuncoro	PROPN
ejif-9414	378	2	,	,	PUNCT
ejif-9414	378	3	m.	m.	NOUN
ejif-9414	378	4	(	(	PUNCT
ejif-9414	378	5	2010	2010	NUM
ejif-9414	378	6	)	)	PUNCT
ejif-9414	378	7	.	.	PUNCT
ejif-9414	379	1	[	[	X
ejif-9414	379	2	dasar	dasar	VERB
ejif-9414	379	3	-	-	PUNCT
ejif-9414	379	4	dasar	dasar	VERB
ejif-9414	379	5	ekonomika	ekonomika	X
ejif-9414	379	6	pembangunan	pembangunan	PROPN
ejif-9414	379	7	(	(	PUNCT
ejif-9414	379	8	kelima	kelima	PROPN
ejif-9414	379	9	)	)	PUNCT
ejif-9414	379	10	]	]	PUNCT
ejif-9414	379	11	.	.	PUNCT
ejif-9414	380	1	upp	upp	PROPN
ejif-9414	380	2	stim	stim	PROPN
ejif-9414	380	3	ykpn	ykpn	PROPN
ejif-9414	380	4	.	.	PUNCT
ejif-9414	381	1	manurung	manurung	PROPN
ejif-9414	381	2	,	,	PUNCT
ejif-9414	381	3	s.(2013	s.(2013	PROPN
ejif-9414	381	4	)	)	PUNCT
ejif-9414	381	5	.	.	PUNCT
ejif-9414	382	1	islamic	islamic	ADJ
ejif-9414	382	2	religiosity	religiosity	NOUN
ejif-9414	382	3	and	and	CCONJ
ejif-9414	382	4	development	development	NOUN
ejif-9414	382	5	of	of	ADP
ejif-9414	382	6	zakat	zakat	PROPN
ejif-9414	382	7	institution	institution	NOUN
ejif-9414	382	8	.	.	PUNCT
ejif-9414	383	1	qudus	qudus	NOUN
ejif-9414	383	2	int	int	PROPN
ejif-9414	384	1	j	j	PROPN
ejif-9414	384	2	islam	islam	PROPN
ejif-9414	384	3	stud	stud	PROPN
ejif-9414	384	4	.	.	PUNCT
ejif-9414	385	1	,1(2),197–220	,1(2),197–220	PROPN
ejif-9414	385	2	.	.	PUNCT
ejif-9414	386	1	https://doi.org/10.21043/qijis.v1i2.186	https://doi.org/10.21043/qijis.v1i2.186	PROPN
ejif-9414	386	2	maulana	maulana	PROPN
ejif-9414	386	3	,	,	PUNCT
ejif-9414	386	4	h.	h.	PROPN
ejif-9414	386	5	,	,	PUNCT
ejif-9414	386	6	abdul	abdul	PROPN
ejif-9414	386	7	razak	razak	PROPN
ejif-9414	386	8	,	,	PUNCT
ejif-9414	386	9	d.	d.	PROPN
ejif-9414	386	10	,	,	PUNCT
ejif-9414	386	11	adeyemi	adeyemi	ADV
ejif-9414	386	12	,	,	PUNCT
ejif-9414	386	13	a.	a.	NOUN
ejif-9414	386	14	a.	a.	NOUN
ejif-9414	387	1	(	(	PUNCT
ejif-9414	387	2	2018	2018	NUM
ejif-9414	387	3	)	)	PUNCT
ejif-9414	387	4	.	.	PUNCT
ejif-9414	388	1	factors	factor	NOUN
ejif-9414	388	2	influencing	influence	VERB
ejif-9414	388	3	behaviour	behaviour	NOUN
ejif-9414	388	4	to	to	PART
ejif-9414	388	5	participate	participate	VERB
ejif-9414	388	6	in	in	ADP
ejif-9414	388	7	islamic	islamic	ADJ
ejif-9414	388	8	microfinance	microfinance	NOUN
ejif-9414	388	9	.	.	PUNCT
ejif-9414	389	1	international	international	ADJ
ejif-9414	389	2	journal	journal	PROPN
ejif-9414	389	3	of	of	ADP
ejif-9414	389	4	islamic	islamic	ADJ
ejif-9414	389	5	and	and	CCONJ
ejif-9414	389	6	middle	middle	ADJ
ejif-9414	389	7	eastern	eastern	ADJ
ejif-9414	389	8	finance	finance	NOUN
ejif-9414	389	9	and	and	CCONJ
ejif-9414	389	10	management	management	NOUN
ejif-9414	389	11	,	,	PUNCT
ejif-9414	389	12	https://doi.org/10.1108/imefm-05-2017-0134	https://doi.org/10.1108/imefm-05-2017-0134	PROPN
ejif-9414	389	13	mohamed	mohamed	PROPN
ejif-9414	389	14	,	,	PUNCT
ejif-9414	389	15	e.	e.	PROPN
ejif-9414	389	16	e.	e.	PROPN
ejif-9414	389	17	and	and	CCONJ
ejif-9414	389	18	fauziyyah	fauziyyah	PROPN
ejif-9414	389	19	,	,	PUNCT
ejif-9414	389	20	n.	n.	PROPN
ejif-9414	389	21	e.	e.	PROPN
ejif-9414	389	22	(	(	PUNCT
ejif-9414	389	23	2020	2020	NUM
ejif-9414	389	24	)	)	PUNCT
ejif-9414	389	25	.	.	PUNCT
ejif-9414	390	1	islamic	islamic	ADJ
ejif-9414	390	2	microfinance	microfinance	NOUN
ejif-9414	390	3	for	for	ADP
ejif-9414	390	4	poverty	poverty	NOUN
ejif-9414	390	5	alleviation	alleviation	NOUN
ejif-9414	390	6	:	:	PUNCT
ejif-9414	390	7	a	a	DET
ejif-9414	390	8	systematic	systematic	ADJ
ejif-9414	390	9	literature	literature	NOUN
ejif-9414	390	10	review	review	NOUN
ejif-9414	390	11	.	.	PUNCT
ejif-9414	391	1	international	international	ADJ
ejif-9414	391	2	journal	journal	PROPN
ejif-9414	391	3	of	of	ADP
ejif-9414	391	4	economics	economic	NOUN
ejif-9414	391	5	,	,	PUNCT
ejif-9414	391	6	management	management	NOUN
ejif-9414	391	7	and	and	CCONJ
ejif-9414	391	8	accounting	accounting	NOUN
ejif-9414	391	9	,	,	PUNCT
ejif-9414	391	10	28(1),141	28(1),141	NUM
ejif-9414	391	11	-	-	SYM
ejif-9414	391	12	163	163	NUM
ejif-9414	391	13	.	.	PUNCT
ejif-9414	392	1	nabi	nabi	PROPN
ejif-9414	392	2	,	,	PUNCT
ejif-9414	392	3	m.	m.	PROPN
ejif-9414	392	4	g.	g.	PROPN
ejif-9414	392	5	,	,	PUNCT
ejif-9414	392	6	islam	islam	PROPN
ejif-9414	392	7	,	,	PUNCT
ejif-9414	392	8	m.a	m.a	PROPN
ejif-9414	392	9	.	.	PROPN
ejif-9414	392	10	,	,	PUNCT
ejif-9414	392	11	bakar	bakar	PROPN
ejif-9414	392	12	,	,	PUNCT
ejif-9414	392	13	r.	r.	PROPN
ejif-9414	392	14	,	,	PUNCT
ejif-9414	392	15	&	&	CCONJ
ejif-9414	392	16	nabi	nabi	PROPN
ejif-9414	392	17	,	,	PUNCT
ejif-9414	392	18	r.	r.	PROPN
ejif-9414	392	19	(	(	PUNCT
ejif-9414	392	20	2017	2017	NUM
ejif-9414	392	21	)	)	PUNCT
ejif-9414	392	22	.	.	PUNCT
ejif-9414	393	1	islamic	islamic	ADJ
ejif-9414	393	2	microfinance	microfinance	NOUN
ejif-9414	393	3	as	as	ADP
ejif-9414	393	4	a	a	DET
ejif-9414	393	5	tool	tool	NOUN
ejif-9414	393	6	of	of	ADP
ejif-9414	393	7	financial	financial	ADJ
ejif-9414	393	8	inclusion	inclusion	NOUN
ejif-9414	393	9	in	in	ADP
ejif-9414	393	10	bangladesh	bangladesh	PROPN
ejif-9414	393	11	.	.	PUNCT
ejif-9414	394	1	journal	journal	PROPN
ejif-9414	394	2	of	of	ADP
ejif-9414	394	3	islamic	islamic	ADJ
ejif-9414	394	4	economics	economic	NOUN
ejif-9414	394	5	,	,	PUNCT
ejif-9414	394	6	banking	banking	NOUN
ejif-9414	394	7	and	and	CCONJ
ejif-9414	394	8	finance	finance	NOUN
ejif-9414	394	9	,	,	PUNCT
ejif-9414	394	10	13(1	13(1	NUM
ejif-9414	394	11	)	)	PUNCT
ejif-9414	394	12	,	,	PUNCT
ejif-9414	394	13	25	25	NUM
ejif-9414	394	14	-	-	SYM
ejif-9414	394	15	51	51	NUM
ejif-9414	394	16	.	.	PUNCT
ejif-9414	395	1	european	european	PROPN
ejif-9414	395	2	journal	journal	PROPN
ejif-9414	395	3	of	of	ADP
ejif-9414	395	4	islamic	islamic	PROPN
ejif-9414	395	5	finance	finance	PROPN
ejif-9414	395	6	issn	issn	PROPN
ejif-9414	395	7	:	:	PUNCT
ejif-9414	395	8	2421	2421	NUM
ejif-9414	395	9	-	-	SYM
ejif-9414	395	10	2172	2172	NUM
ejif-9414	395	11	doi	doi	NOUN
ejif-9414	395	12	:	:	PUNCT
ejif-9414	395	13	10.13135/2421	10.13135/2421	NUM
ejif-9414	395	14	-	-	SYM
ejif-9414	395	15	2172/9414	2172/9414	NUM
ejif-9414	395	16	published	publish	VERB
ejif-9414	395	17	by	by	ADP
ejif-9414	395	18	university	university	PROPN
ejif-9414	395	19	of	of	ADP
ejif-9414	395	20	turin	turin	PROPN
ejif-9414	396	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-9414	396	2	ejif	ejif	PROPN
ejif-9414	396	3	content	content	NOUN
ejif-9414	396	4	is	be	AUX
ejif-9414	396	5	licensed	license	VERB
ejif-9414	396	6	under	under	ADP
ejif-9414	396	7	a	a	DET
ejif-9414	396	8	creative	creative	ADJ
ejif-9414	396	9	commons	common	NOUN
ejif-9414	396	10	attribution	attribution	NOUN
ejif-9414	396	11	4.0	4.0	NUM
ejif-9414	396	12	international	international	ADJ
ejif-9414	396	13	license	license	NOUN
ejif-9414	396	14	30	30	NUM
ejif-9414	396	15	nasir	nasir	PROPN
ejif-9414	396	16	,	,	PUNCT
ejif-9414	396	17	a.	a.	PROPN
ejif-9414	396	18	,	,	PUNCT
ejif-9414	396	19	&	&	CCONJ
ejif-9414	396	20	abdullah	abdullah	PROPN
ejif-9414	396	21	,	,	PUNCT
ejif-9414	396	22	l.	l.	PROPN
ejif-9414	396	23	(	(	PUNCT
ejif-9414	396	24	2019	2019	NUM
ejif-9414	396	25	)	)	PUNCT
ejif-9414	396	26	.	.	PUNCT
ejif-9414	397	1	a	a	DET
ejif-9414	397	2	new	new	ADJ
ejif-9414	397	3	model	model	NOUN
ejif-9414	397	4	for	for	ADP
ejif-9414	397	5	islamic	islamic	PROPN
ejif-9414	397	6	cooperative	cooperative	ADJ
ejif-9414	397	7	mortgage	mortgage	NOUN
ejif-9414	397	8	of	of	ADP
ejif-9414	397	9	housing	housing	NOUN
ejif-9414	397	10	finance	finance	NOUN
ejif-9414	397	11	.	.	PUNCT
ejif-9414	398	1	int	int	NOUN
ejif-9414	398	2	.	.	PUNCT
ejif-9414	399	1	j.	j.	PROPN
ejif-9414	399	2	hous	hous	PROPN
ejif-9414	399	3	.	.	PUNCT
ejif-9414	400	1	mark	mark	PROPN
ejif-9414	400	2	.	.	PUNCT
ejif-9414	401	1	anal	anal	ADJ
ejif-9414	401	2	.	.	PUNCT
ejif-9414	402	1	12	12	NUM
ejif-9414	402	2	(	(	PUNCT
ejif-9414	402	3	4	4	NUM
ejif-9414	402	4	)	)	PUNCT
ejif-9414	402	5	,	,	PUNCT
ejif-9414	402	6	708–721	708–721	NUM
ejif-9414	402	7	.	.	PUNCT
ejif-9414	402	8	obaidullah	obaidullah	PROPN
ejif-9414	402	9	,	,	PUNCT
ejif-9414	402	10	m.	m.	NOUN
ejif-9414	402	11	(	(	PUNCT
ejif-9414	402	12	2008	2008	NUM
ejif-9414	402	13	)	)	PUNCT
ejif-9414	402	14	.	.	PUNCT
ejif-9414	403	1	role	role	NOUN
ejif-9414	403	2	of	of	ADP
ejif-9414	403	3	microfinance	microfinance	NOUN
ejif-9414	403	4	in	in	ADP
ejif-9414	403	5	poverty	poverty	NOUN
ejif-9414	403	6	alleviation	alleviation	NOUN
ejif-9414	403	7	:	:	PUNCT
ejif-9414	403	8	lessons	lesson	NOUN
ejif-9414	403	9	from	from	ADP
ejif-9414	403	10	experiences	experience	NOUN
ejif-9414	403	11	in	in	ADP
ejif-9414	403	12	selected	select	VERB
ejif-9414	403	13	idb	idb	PROPN
ejif-9414	403	14	member	member	NOUN
ejif-9414	403	15	countries	country	NOUN
ejif-9414	403	16	.	.	PUNCT
ejif-9414	404	1	islamic	islamic	PROPN
ejif-9414	404	2	development	development	PROPN
ejif-9414	404	3	bank	bank	PROPN
ejif-9414	404	4	,	,	PUNCT
ejif-9414	404	5	jeddah	jeddah	PROPN
ejif-9414	404	6	,	,	PUNCT
ejif-9414	404	7	ksa	ksa	PROPN
ejif-9414	404	8	.	.	PROPN
ejif-9414	404	9	obaidullah	obaidullah	PROPN
ejif-9414	404	10	,	,	PUNCT
ejif-9414	404	11	m.	m.	NOUN
ejif-9414	404	12	(	(	PUNCT
ejif-9414	404	13	2015	2015	NUM
ejif-9414	404	14	)	)	PUNCT
ejif-9414	404	15	.	.	PUNCT
ejif-9414	405	1	enhancing	enhance	VERB
ejif-9414	405	2	food	food	NOUN
ejif-9414	405	3	security	security	NOUN
ejif-9414	405	4	with	with	ADP
ejif-9414	405	5	islamic	islamic	ADJ
ejif-9414	405	6	microfinance	microfinance	NOUN
ejif-9414	405	7	:	:	PUNCT
ejif-9414	405	8	insights	insight	NOUN
ejif-9414	405	9	from	from	ADP
ejif-9414	405	10	some	some	DET
ejif-9414	405	11	recent	recent	ADJ
ejif-9414	405	12	experiments	experiment	NOUN
ejif-9414	405	13	.	.	PUNCT
ejif-9414	406	1	agric	agric	PROPN
ejif-9414	406	2	.	.	PUNCT
ejif-9414	407	1	finance	finance	PROPN
ejif-9414	407	2	rev	rev	VERB
ejif-9414	407	3	.	.	PROPN
ejif-9414	408	1	75	75	NUM
ejif-9414	408	2	(	(	PUNCT
ejif-9414	408	3	2	2	NUM
ejif-9414	408	4	)	)	PUNCT
ejif-9414	408	5	,	,	PUNCT
ejif-9414	408	6	142–168	142–168	NUM
ejif-9414	408	7	.	.	PUNCT
ejif-9414	408	8	okpara	okpara	NOUN
ejif-9414	408	9	,	,	PUNCT
ejif-9414	408	10	g.c	g.c	PROPN
ejif-9414	408	11	.	.	PROPN
ejif-9414	408	12	(	(	PUNCT
ejif-9414	408	13	2010	2010	NUM
ejif-9414	408	14	)	)	PUNCT
ejif-9414	408	15	microfinance	microfinance	NOUN
ejif-9414	408	16	banks	bank	NOUN
ejif-9414	408	17	and	and	CCONJ
ejif-9414	408	18	poverty	poverty	NOUN
ejif-9414	408	19	alleviation	alleviation	NOUN
ejif-9414	408	20	in	in	ADP
ejif-9414	408	21	nigeria	nigeria	PROPN
ejif-9414	408	22	.	.	PUNCT
ejif-9414	409	1	journal	journal	PROPN
ejif-9414	409	2	of	of	ADP
ejif-9414	409	3	sustainable	sustainable	ADJ
ejif-9414	409	4	development	development	NOUN
ejif-9414	409	5	in	in	ADP
ejif-9414	409	6	africa	africa	PROPN
ejif-9414	409	7	,	,	PUNCT
ejif-9414	409	8	12(6),177191	12(6),177191	NUM
ejif-9414	409	9	.	.	PUNCT
ejif-9414	410	1	onakoya	onakoya	PROPN
ejif-9414	410	2	,	,	PUNCT
ejif-9414	410	3	a.b	a.b	PROPN
ejif-9414	410	4	.	.	PROPN
ejif-9414	410	5	&	&	CCONJ
ejif-9414	410	6	onakoya	onakoya	PROPN
ejif-9414	410	7	,	,	PUNCT
ejif-9414	410	8	a.o	a.o	PROPN
ejif-9414	410	9	.	.	PROPN
ejif-9414	410	10	(	(	PUNCT
ejif-9414	410	11	2013	2013	NUM
ejif-9414	410	12	)	)	PUNCT
ejif-9414	410	13	.	.	PUNCT
ejif-9414	411	1	islamic	islamic	ADJ
ejif-9414	411	2	microfinance	microfinance	NOUN
ejif-9414	411	3	as	as	ADP
ejif-9414	411	4	a	a	DET
ejif-9414	411	5	poverty	poverty	NOUN
ejif-9414	411	6	alleviation	alleviation	NOUN
ejif-9414	411	7	tool	tool	NOUN
ejif-9414	411	8	:	:	PUNCT
ejif-9414	411	9	expectations	expectation	NOUN
ejif-9414	411	10	from	from	ADP
ejif-9414	411	11	ogun	ogun	PROPN
ejif-9414	411	12	state	state	PROPN
ejif-9414	411	13	,	,	PUNCT
ejif-9414	411	14	nigeria	nigeria	PROPN
ejif-9414	411	15	.	.	PUNCT
ejif-9414	412	1	scholarly	scholarly	ADJ
ejif-9414	412	2	journal	journal	PROPN
ejif-9414	412	3	of	of	ADP
ejif-9414	412	4	business	business	PROPN
ejif-9414	412	5	administration	administration	PROPN
ejif-9414	412	6	,	,	PUNCT
ejif-9414	412	7	3(2	3(2	NUM
ejif-9414	412	8	)	)	PUNCT
ejif-9414	412	9	,	,	PUNCT
ejif-9414	412	10	36	36	NUM
ejif-9414	412	11	-	-	SYM
ejif-9414	412	12	43	43	NUM
ejif-9414	412	13	.	.	PUNCT
ejif-9414	413	1	quraisy	quraisy	PROPN
ejif-9414	413	2	,	,	PUNCT
ejif-9414	413	3	m.	m.	NOUN
ejif-9414	413	4	,	,	PUNCT
ejif-9414	413	5	abdul	abdul	PROPN
ejif-9414	413	6	razak	razak	PROPN
ejif-9414	413	7	,	,	PUNCT
ejif-9414	413	8	s.	s.	PROPN
ejif-9414	413	9	h.	h.	PROPN
ejif-9414	413	10	&	&	CCONJ
ejif-9414	413	11	alhabshi	alhabshi	PROPN
ejif-9414	413	12	,	,	PUNCT
ejif-9414	414	1	s.	s.	PROPN
ejif-9414	414	2	o.	o.	PROPN
ejif-9414	414	3	(	(	PUNCT
ejif-9414	414	4	2017	2017	NUM
ejif-9414	414	5	)	)	PUNCT
ejif-9414	414	6	.	.	PUNCT
ejif-9414	415	1	the	the	DET
ejif-9414	415	2	impact	impact	NOUN
ejif-9414	415	3	of	of	ADP
ejif-9414	415	4	islamic	islamic	ADJ
ejif-9414	415	5	microfinance	microfinance	NOUN
ejif-9414	415	6	in	in	ADP
ejif-9414	415	7	enhancing	enhance	VERB
ejif-9414	415	8	the	the	DET
ejif-9414	415	9	well	well	ADV
ejif-9414	415	10	-	-	PUNCT
ejif-9414	415	11	being	being	NOUN
ejif-9414	415	12	and	and	CCONJ
ejif-9414	415	13	quality	quality	NOUN
ejif-9414	415	14	of	of	ADP
ejif-9414	415	15	life	life	NOUN
ejif-9414	415	16	:	:	PUNCT
ejif-9414	415	17	case	case	NOUN
ejif-9414	415	18	study	study	NOUN
ejif-9414	415	19	of	of	ADP
ejif-9414	415	20	islamic	islamic	ADJ
ejif-9414	415	21	financial	financial	PROPN
ejif-9414	415	22	cooperative	cooperative	ADJ
ejif-9414	415	23	(	(	PUNCT
ejif-9414	415	24	bmt	bmt	NOUN
ejif-9414	415	25	)	)	PUNCT
ejif-9414	415	26	in	in	ADP
ejif-9414	415	27	indonesia	indonesia	PROPN
ejif-9414	415	28	.	.	PUNCT
ejif-9414	416	1	south	south	PROPN
ejif-9414	416	2	east	east	PROPN
ejif-9414	416	3	asia	asia	PROPN
ejif-9414	416	4	.	.	PUNCT
ejif-9414	417	1	journal	journal	PROPN
ejif-9414	417	2	of	of	ADP
ejif-9414	417	3	contemporary	contemporary	PROPN
ejif-9414	417	4	business	business	NOUN
ejif-9414	417	5	,	,	PUNCT
ejif-9414	417	6	economics	economic	NOUN
ejif-9414	417	7	and	and	CCONJ
ejif-9414	417	8	law	law	NOUN
ejif-9414	417	9	,	,	PUNCT
ejif-9414	417	10	13(3	13(3	NUM
ejif-9414	417	11	)	)	PUNCT
ejif-9414	417	12	,	,	PUNCT
ejif-9414	417	13	1	1	NUM
ejif-9414	417	14	-	-	SYM
ejif-9414	417	15	12	12	NUM
ejif-9414	417	16	.	.	PUNCT
ejif-9414	418	1	rahman	rahman	PROPN
ejif-9414	418	2	,	,	PUNCT
ejif-9414	418	3	m.m	m.m	PROPN
ejif-9414	418	4	(	(	PUNCT
ejif-9414	418	5	2010	2010	NUM
ejif-9414	418	6	)	)	PUNCT
ejif-9414	418	7	.	.	PUNCT
ejif-9414	419	1	islamic	islamic	PROPN
ejif-9414	419	2	micro	micro	PROPN
ejif-9414	419	3	-	-	ADJ
ejif-9414	419	4	finance	finance	ADJ
ejif-9414	419	5	programme	programme	NOUN
ejif-9414	419	6	and	and	CCONJ
ejif-9414	419	7	its	its	PRON
ejif-9414	419	8	impact	impact	NOUN
ejif-9414	419	9	on	on	ADP
ejif-9414	419	10	rural	rural	ADJ
ejif-9414	419	11	poverty	poverty	NOUN
ejif-9414	419	12	alleviation	alleviation	NOUN
ejif-9414	419	13	.	.	PUNCT
ejif-9414	420	1	the	the	DET
ejif-9414	420	2	international	international	ADJ
ejif-9414	420	3	journal	journal	NOUN
ejif-9414	420	4	of	of	ADP
ejif-9414	420	5	banking	banking	NOUN
ejif-9414	420	6	and	and	CCONJ
ejif-9414	420	7	finance	finance	NOUN
ejif-9414	420	8	,	,	PUNCT
ejif-9414	420	9	7(1	7(1	NUM
ejif-9414	420	10	)	)	PUNCT
ejif-9414	420	11	,	,	PUNCT
ejif-9414	420	12	119	119	NUM
ejif-9414	420	13	-	-	SYM
ejif-9414	420	14	138	138	NUM
ejif-9414	420	15	rodliyah	rodliyah	NOUN
ejif-9414	420	16	,	,	PUNCT
ejif-9414	420	17	d.	d.	PROPN
ejif-9414	420	18	(	(	PUNCT
ejif-9414	420	19	2023	2023	NUM
ejif-9414	420	20	)	)	PUNCT
ejif-9414	420	21	.	.	PUNCT
ejif-9414	421	1	the	the	DET
ejif-9414	421	2	effect	effect	NOUN
ejif-9414	421	3	of	of	ADP
ejif-9414	421	4	hdi	hdi	PROPN
ejif-9414	421	5	,	,	PUNCT
ejif-9414	421	6	unemployment	unemployment	NOUN
ejif-9414	421	7	,	,	PUNCT
ejif-9414	421	8	and	and	CCONJ
ejif-9414	421	9	investment	investment	NOUN
ejif-9414	421	10	on	on	ADP
ejif-9414	421	11	grdp	grdp	NOUN
ejif-9414	421	12	and	and	CCONJ
ejif-9414	421	13	poverty	poverty	NOUN
ejif-9414	421	14	.	.	PUNCT
ejif-9414	422	1	indonesian	indonesian	ADJ
ejif-9414	422	2	journal	journal	PROPN
ejif-9414	422	3	of	of	ADP
ejif-9414	422	4	development	development	NOUN
ejif-9414	422	5	economics	economic	NOUN
ejif-9414	422	6	,	,	PUNCT
ejif-9414	422	7	efficient	efficient	ADJ
ejif-9414	422	8	,	,	PUNCT
ejif-9414	422	9	6(2	6(2	NUM
ejif-9414	422	10	)	)	PUNCT
ejif-9414	422	11	,	,	PUNCT
ejif-9414	422	12	199	199	NUM
ejif-9414	422	13	-	-	SYM
ejif-9414	422	14	209	209	NUM
ejif-9414	422	15	.	.	PUNCT
ejif-9414	423	1	https://doi.org/10.15294/efficient.v6i2.59000	https://doi.org/10.15294/efficient.v6i2.59000	PROPN
ejif-9414	423	2	rohima	rohima	PROPN
ejif-9414	423	3	,	,	PUNCT
ejif-9414	423	4	s.	s.	PROPN
ejif-9414	423	5	,	,	PUNCT
ejif-9414	423	6	suman	suman	PROPN
ejif-9414	423	7	,	,	PUNCT
ejif-9414	423	8	a.	a.	PROPN
ejif-9414	423	9	,	,	PUNCT
ejif-9414	423	10	manzilati	manzilati	PROPN
ejif-9414	423	11	,	,	PUNCT
ejif-9414	423	12	a.	a.	NOUN
ejif-9414	423	13	,	,	PUNCT
ejif-9414	423	14	&	&	CCONJ
ejif-9414	423	15	ashar	ashar	PROPN
ejif-9414	423	16	,	,	PUNCT
ejif-9414	423	17	k.	k.	PROPN
ejif-9414	423	18	(	(	PUNCT
ejif-9414	423	19	2013	2013	NUM
ejif-9414	423	20	)	)	PUNCT
ejif-9414	423	21	.	.	PUNCT
ejif-9414	424	1	vicious	vicious	ADJ
ejif-9414	424	2	circle	circle	NOUN
ejif-9414	424	3	analysis	analysis	NOUN
ejif-9414	424	4	of	of	ADP
ejif-9414	424	5	poverty	poverty	NOUN
ejif-9414	424	6	and	and	CCONJ
ejif-9414	424	7	entrepreneurship	entrepreneurship	NOUN
ejif-9414	424	8	.	.	PUNCT
ejif-9414	425	1	iosr	iosr	ADJ
ejif-9414	425	2	journal	journal	PROPN
ejif-9414	425	3	of	of	ADP
ejif-9414	425	4	business	business	NOUN
ejif-9414	425	5	and	and	CCONJ
ejif-9414	425	6	management	management	NOUN
ejif-9414	425	7	,	,	PUNCT
ejif-9414	425	8	7(1	7(1	NUM
ejif-9414	425	9	)	)	PUNCT
ejif-9414	425	10	,	,	PUNCT
ejif-9414	425	11	33	33	NUM
ejif-9414	425	12	-	-	SYM
ejif-9414	425	13	46	46	NUM
ejif-9414	425	14	rohman	rohman	NOUN
ejif-9414	425	15	,	,	PUNCT
ejif-9414	425	16	p.	p.	PROPN
ejif-9414	425	17	s.	s.	PROPN
ejif-9414	425	18	,	,	PUNCT
ejif-9414	425	19	fianto	fianto	PROPN
ejif-9414	425	20	,	,	PUNCT
ejif-9414	425	21	b.a	b.a	PROPN
ejif-9414	425	22	.	.	PROPN
ejif-9414	425	23	,	,	PUNCT
ejif-9414	425	24	shah	shah	PROPN
ejif-9414	425	25	,	,	PUNCT
ejif-9414	425	26	s.	s.	PROPN
ejif-9414	425	27	a.	a.	PROPN
ejif-9414	425	28	a.	a.	PROPN
ejif-9414	425	29	,	,	PUNCT
ejif-9414	425	30	kayani	kayani	PROPN
ejif-9414	425	31	,	,	PUNCT
ejif-9414	425	32	n.	n.	PROPN
ejif-9414	425	33	s.	s.	PROPN
ejif-9414	425	34	&	&	CCONJ
ejif-9414	425	35	supriani	supriani	PROPN
ejif-9414	425	36	,	,	PUNCT
ejif-9414	425	37	i.	i.	NOUN
ejif-9414	425	38	(	(	PUNCT
ejif-9414	425	39	2021	2021	NUM
ejif-9414	425	40	)	)	PUNCT
ejif-9414	425	41	.	.	PUNCT
ejif-9414	426	1	a	a	DET
ejif-9414	426	2	review	review	NOUN
ejif-9414	426	3	on	on	ADP
ejif-9414	426	4	literature	literature	NOUN
ejif-9414	426	5	of	of	ADP
ejif-9414	426	6	islamic	islamic	ADJ
ejif-9414	426	7	microfinance	microfinance	NOUN
ejif-9414	426	8	from	from	ADP
ejif-9414	426	9	2010	2010	NUM
ejif-9414	426	10	-	-	SYM
ejif-9414	426	11	2020	2020	NUM
ejif-9414	426	12	:	:	PUNCT
ejif-9414	426	13	lesson	lesson	NOUN
ejif-9414	426	14	for	for	ADP
ejif-9414	426	15	practitioners	practitioner	NOUN
ejif-9414	426	16	and	and	CCONJ
ejif-9414	426	17	directions	direction	NOUN
ejif-9414	426	18	.	.	PUNCT
ejif-9414	427	1	heliyon	heliyon	NOUN
ejif-9414	427	2	,	,	PUNCT
ejif-9414	427	3	7	7	NUM
ejif-9414	427	4	,	,	PUNCT
ejif-9414	427	5	1	1	NUM
ejif-9414	427	6	-	-	SYM
ejif-9414	427	7	11	11	NUM
ejif-9414	427	8	.	.	PUNCT
ejif-9414	428	1	rokhman	rokhman	NOUN
ejif-9414	428	2	,	,	PUNCT
ejif-9414	428	3	w.	w.	PROPN
ejif-9414	428	4	(	(	PUNCT
ejif-9414	428	5	2013	2013	NUM
ejif-9414	428	6	)	)	PUNCT
ejif-9414	428	7	.	.	PUNCT
ejif-9414	429	1	the	the	DET
ejif-9414	429	2	effect	effect	NOUN
ejif-9414	429	3	of	of	ADP
ejif-9414	429	4	islamic	islamic	ADJ
ejif-9414	429	5	microfinance	microfinance	NOUN
ejif-9414	429	6	on	on	ADP
ejif-9414	429	7	poverty	poverty	NOUN
ejif-9414	429	8	alleviation	alleviation	NOUN
ejif-9414	429	9	:	:	PUNCT
ejif-9414	429	10	study	study	NOUN
ejif-9414	429	11	in	in	ADP
ejif-9414	429	12	indonesia	indonesia	PROPN
ejif-9414	429	13	,	,	PUNCT
ejif-9414	429	14	economic	economic	ADJ
ejif-9414	429	15	review	review	NOUN
ejif-9414	429	16	.	.	PUNCT
ejif-9414	430	1	journal	journal	PROPN
ejif-9414	430	2	of	of	ADP
ejif-9414	430	3	economics	economic	NOUN
ejif-9414	430	4	and	and	CCONJ
ejif-9414	430	5	business	business	NOUN
ejif-9414	430	6	,	,	PUNCT
ejif-9414	430	7	11(2	11(2	NUM
ejif-9414	430	8	)	)	PUNCT
ejif-9414	430	9	,	,	PUNCT
ejif-9414	430	10	21	21	NUM
ejif-9414	430	11	-	-	SYM
ejif-9414	430	12	30	30	NUM
ejif-9414	430	13	.	.	PUNCT
ejif-9414	431	1	rokhman	rokhman	PROPN
ejif-9414	431	2	,	,	PUNCT
ejif-9414	431	3	w.	w.	PROPN
ejif-9414	431	4	(	(	PUNCT
ejif-9414	431	5	2014).baitul	2014).baitul	NUM
ejif-9414	431	6	mal	mal	ADJ
ejif-9414	431	7	wat	wat	X
ejif-9414	431	8	tamwil	tamwil	NOUN
ejif-9414	431	9	(	(	PUNCT
ejif-9414	431	10	bmt	bmt	PROPN
ejif-9414	431	11	)	)	PUNCT
ejif-9414	431	12	and	and	CCONJ
ejif-9414	431	13	poverty	poverty	NOUN
ejif-9414	431	14	empowerment	empowerment	NOUN
ejif-9414	431	15	.	.	PUNCT
ejif-9414	432	1	qudus	qudus	PROPN
ejif-9414	432	2	international	international	PROPN
ejif-9414	432	3	journal	journal	PROPN
ejif-9414	432	4	of	of	ADP
ejif-9414	432	5	islamic	islamic	PROPN
ejif-9414	432	6	studies	study	NOUN
ejif-9414	432	7	,	,	PUNCT
ejif-9414	432	8	1(2),181	1(2),181	NUM
ejif-9414	432	9	-	-	SYM
ejif-9414	432	10	95	95	NUM
ejif-9414	432	11	.	.	PUNCT
ejif-9414	433	1	sadr	sadr	PROPN
ejif-9414	433	2	,	,	PUNCT
ejif-9414	433	3	s.k	s.k	PROPN
ejif-9414	433	4	.	.	PROPN
ejif-9414	433	5	(	(	PUNCT
ejif-9414	433	6	2015	2015	NUM
ejif-9414	433	7	)	)	PUNCT
ejif-9414	433	8	.	.	PUNCT
ejif-9414	434	1	qarḍ	qarḍ	PROPN
ejif-9414	434	2	ḥasan	ḥasan	NOUN
ejif-9414	434	3	financing	financing	NOUN
ejif-9414	434	4	in	in	ADP
ejif-9414	434	5	islamic	islamic	ADJ
ejif-9414	434	6	banks	bank	NOUN
ejif-9414	434	7	.	.	PUNCT
ejif-9414	435	1	isra	isra	PROPN
ejif-9414	435	2	international	international	PROPN
ejif-9414	435	3	journal	journal	PROPN
ejif-9414	435	4	of	of	ADP
ejif-9414	435	5	islamic	islamic	PROPN
ejif-9414	435	6	finance	finance	NOUN
ejif-9414	435	7	,	,	PUNCT
ejif-9414	435	8	6(2	6(2	NUM
ejif-9414	435	9	)	)	PUNCT
ejif-9414	435	10	,	,	PUNCT
ejif-9414	435	11	1	1	NUM
ejif-9414	435	12	-	-	SYM
ejif-9414	435	13	14	14	NUM
ejif-9414	435	14	.	.	PUNCT
ejif-9414	436	1	salaudeen	salaudeen	PROPN
ejif-9414	436	2	,	,	PUNCT
ejif-9414	436	3	a.	a.	PROPN
ejif-9414	436	4	o.	o.	PROPN
ejif-9414	436	5	&	&	CCONJ
ejif-9414	436	6	zakariyah	zakariyah	PROPN
ejif-9414	436	7	,	,	PUNCT
ejif-9414	436	8	h.	h.	PROPN
ejif-9414	436	9	(	(	PUNCT
ejif-9414	436	10	2022	2022	NUM
ejif-9414	436	11	)	)	PUNCT
ejif-9414	436	12	.	.	PUNCT
ejif-9414	437	1	challenges	challenge	NOUN
ejif-9414	437	2	hindering	hinder	VERB
ejif-9414	437	3	islamic	islamic	ADJ
ejif-9414	437	4	microfinance	microfinance	NOUN
ejif-9414	437	5	banks	bank	NOUN
ejif-9414	437	6	’	'	PUNCT
ejif-9414	437	7	sustainable	sustainable	ADJ
ejif-9414	437	8	financial	financial	ADJ
ejif-9414	437	9	inclusion	inclusion	NOUN
ejif-9414	437	10	:	:	PUNCT
ejif-9414	437	11	a	a	DET
ejif-9414	437	12	case	case	NOUN
ejif-9414	437	13	of	of	ADP
ejif-9414	437	14	al	al	PROPN
ejif-9414	437	15	-	-	PUNCT
ejif-9414	437	16	hayat	hayat	PROPN
ejif-9414	437	17	microfinance	microfinance	PROPN
ejif-9414	437	18	bank	bank	PROPN
ejif-9414	437	19	in	in	ADP
ejif-9414	437	20	ogun	ogun	PROPN
ejif-9414	437	21	state	state	PROPN
ejif-9414	437	22	,	,	PUNCT
ejif-9414	437	23	nigeria	nigeria	PROPN
ejif-9414	437	24	.	.	PUNCT
ejif-9414	438	1	el	el	PROPN
ejif-9414	438	2	barka	barka	PROPN
ejif-9414	438	3	:	:	PUNCT
ejif-9414	438	4	journal	journal	PROPN
ejif-9414	438	5	of	of	ADP
ejif-9414	438	6	islamic	islamic	PROPN
ejif-9414	438	7	economic	economic	PROPN
ejif-9414	438	8	and	and	CCONJ
ejif-9414	438	9	business	business	NOUN
ejif-9414	438	10	,	,	PUNCT
ejif-9414	438	11	5	5	NUM
ejif-9414	438	12	(	(	PUNCT
ejif-9414	438	13	1	1	NUM
ejif-9414	438	14	)	)	PUNCT
ejif-9414	438	15	,	,	PUNCT
ejif-9414	438	16	24	24	NUM
ejif-9414	438	17	-	-	SYM
ejif-9414	438	18	50	50	NUM
ejif-9414	438	19	.	.	PUNCT
ejif-9414	438	20	satar	satar	NOUN
ejif-9414	438	21	,	,	PUNCT
ejif-9414	438	22	n.	n.	PROPN
ejif-9414	438	23	&	&	CCONJ
ejif-9414	438	24	kassim	kassim	PROPN
ejif-9414	438	25	,	,	PUNCT
ejif-9414	438	26	s.	s.	PROPN
ejif-9414	438	27	(	(	PUNCT
ejif-9414	438	28	2020	2020	NUM
ejif-9414	438	29	)	)	PUNCT
ejif-9414	438	30	.	.	PUNCT
ejif-9414	439	1	issues	issue	NOUN
ejif-9414	439	2	and	and	CCONJ
ejif-9414	439	3	challenges	challenge	NOUN
ejif-9414	439	4	in	in	ADP
ejif-9414	439	5	financing	finance	VERB
ejif-9414	439	6	the	the	DET
ejif-9414	439	7	poor	poor	ADJ
ejif-9414	439	8	:	:	PUNCT
ejif-9414	439	9	lessons	lesson	NOUN
ejif-9414	439	10	learned	learn	VERB
ejif-9414	439	11	from	from	ADP
ejif-9414	439	12	islamic	islamic	ADJ
ejif-9414	439	13	microfinance	microfinance	NOUN
ejif-9414	439	14	institutions	institution	NOUN
ejif-9414	439	15	.	.	PUNCT
ejif-9414	440	1	european	european	PROPN
ejif-9414	440	2	journal	journal	PROPN
ejif-9414	440	3	of	of	ADP
ejif-9414	440	4	islamic	islamic	PROPN
ejif-9414	440	5	finance	finance	NOUN
ejif-9414	440	6	,	,	PUNCT
ejif-9414	440	7	15	15	NUM
ejif-9414	440	8	,	,	PUNCT
ejif-9414	440	9	1	1	NUM
ejif-9414	440	10	-	-	SYM
ejif-9414	440	11	8	8	NUM
ejif-9414	440	12	.	.	PUNCT
ejif-9414	440	13	senghore	senghore	ADV
ejif-9414	440	14	,	,	PUNCT
ejif-9414	440	15	a.	a.	PROPN
ejif-9414	440	16	f.	f.	PROPN
ejif-9414	440	17	(	(	PUNCT
ejif-9414	440	18	2023	2023	NUM
ejif-9414	440	19	)	)	PUNCT
ejif-9414	440	20	.	.	PUNCT
ejif-9414	441	1	assessing	assess	VERB
ejif-9414	441	2	the	the	DET
ejif-9414	441	3	role	role	NOUN
ejif-9414	441	4	of	of	ADP
ejif-9414	441	5	islamic	islamic	ADJ
ejif-9414	441	6	microfinance	microfinance	NOUN
ejif-9414	441	7	:	:	PUNCT
ejif-9414	441	8	a	a	DET
ejif-9414	441	9	women	woman	NOUN
ejif-9414	441	10	empowerment	empowerment	NOUN
ejif-9414	441	11	case	case	NOUN
ejif-9414	441	12	study	study	NOUN
ejif-9414	441	13	.	.	PUNCT
ejif-9414	442	1	european	european	PROPN
ejif-9414	442	2	journal	journal	PROPN
ejif-9414	442	3	of	of	ADP
ejif-9414	442	4	islamic	islamic	PROPN
ejif-9414	442	5	finance	finance	PROPN
ejif-9414	442	6	,	,	PUNCT
ejif-9414	442	7	10(3	10(3	NUM
ejif-9414	442	8	)	)	PUNCT
ejif-9414	442	9	,	,	PUNCT
ejif-9414	442	10	45	45	NUM
ejif-9414	442	11	-	-	SYM
ejif-9414	442	12	70	70	NUM
ejif-9414	442	13	.	.	PUNCT
ejif-9414	443	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	NOUN
ejif-9414	443	2	shaikh	shaikh	PROPN
ejif-9414	443	3	,	,	PUNCT
ejif-9414	443	4	s.a	s.a	PROPN
ejif-9414	443	5	.	.	PROPN
ejif-9414	443	6	(	(	PUNCT
ejif-9414	443	7	2017	2017	NUM
ejif-9414	443	8	)	)	PUNCT
ejif-9414	443	9	.	.	PUNCT
ejif-9414	444	1	poverty	poverty	NOUN
ejif-9414	444	2	alleviation	alleviation	NOUN
ejif-9414	444	3	through	through	ADP
ejif-9414	444	4	financing	financing	NOUN
ejif-9414	444	5	microenterprises	microenterprise	NOUN
ejif-9414	444	6	with	with	ADP
ejif-9414	444	7	equity	equity	NOUN
ejif-9414	444	8	finance	finance	NOUN
ejif-9414	444	9	.	.	PUNCT
ejif-9414	445	1	j.	j.	PROPN
ejif-9414	445	2	islam	islam	PROPN
ejif-9414	445	3	.	.	PROPN
ejif-9414	445	4	account	account	PROPN
ejif-9414	445	5	.	.	PUNCT
ejif-9414	446	1	business	business	NOUN
ejif-9414	446	2	res	re	NOUN
ejif-9414	446	3	.	.	PROPN
ejif-9414	447	1	8	8	NUM
ejif-9414	447	2	(	(	PUNCT
ejif-9414	447	3	1	1	NUM
ejif-9414	447	4	)	)	PUNCT
ejif-9414	447	5	,	,	PUNCT
ejif-9414	447	6	87–99	87–99	NUM
ejif-9414	447	7	.	.	PUNCT
ejif-9414	448	1	shinkafi	shinkafi	PROPN
ejif-9414	448	2	,	,	PUNCT
ejif-9414	448	3	a.a	a.a	PROPN
ejif-9414	448	4	.	.	PROPN
ejif-9414	448	5	,	,	PUNCT
ejif-9414	448	6	yahaya	yahaya	PROPN
ejif-9414	448	7	,	,	PUNCT
ejif-9414	448	8	s.	s.	PROPN
ejif-9414	448	9	,	,	PUNCT
ejif-9414	448	10	&	&	CCONJ
ejif-9414	448	11	sani	sani	PROPN
ejif-9414	448	12	,	,	PUNCT
ejif-9414	448	13	t.a	t.a	PROPN
ejif-9414	448	14	.	.	PROPN
ejif-9414	448	15	(	(	PUNCT
ejif-9414	448	16	2019	2019	NUM
ejif-9414	448	17	)	)	PUNCT
ejif-9414	448	18	.	.	PUNCT
ejif-9414	449	1	realising	realise	VERB
ejif-9414	449	2	financial	financial	ADJ
ejif-9414	449	3	inclusion	inclusion	NOUN
ejif-9414	449	4	in	in	ADP
ejif-9414	449	5	islamic	islamic	ADJ
ejif-9414	449	6	finance	finance	PROPN
ejif-9414	449	7	.	.	PUNCT
ejif-9414	450	1	j.	j.	PROPN
ejif-9414	450	2	islam	islam	PROPN
ejif-9414	450	3	.	.	PUNCT
ejif-9414	451	1	market	market	NOUN
ejif-9414	451	2	.	.	PUNCT
ejif-9414	452	1	11	11	NUM
ejif-9414	452	2	(	(	PUNCT
ejif-9414	452	3	1	1	NUM
ejif-9414	452	4	)	)	PUNCT
ejif-9414	452	5	,	,	PUNCT
ejif-9414	452	6	143–160	143–160	NUM
ejif-9414	452	7	.	.	PUNCT
ejif-9414	453	1	sida	sida	PROPN
ejif-9414	453	2	.	.	PUNCT
ejif-9414	454	1	(	(	PUNCT
ejif-9414	454	2	2017	2017	NUM
ejif-9414	454	3	)	)	PUNCT
ejif-9414	454	4	.	.	PUNCT
ejif-9414	455	1	dimensions	dimension	NOUN
ejif-9414	455	2	of	of	ADP
ejif-9414	455	3	poverty	poverty	NOUN
ejif-9414	455	4	:	:	PUNCT
ejif-9414	455	5	sida	sida	PROPN
ejif-9414	455	6	’s	’s	PART
ejif-9414	455	7	conceptual	conceptual	ADJ
ejif-9414	455	8	framework	framework	NOUN
ejif-9414	455	9	.	.	PUNCT
ejif-9414	456	1	sida	sida	PROPN
ejif-9414	456	2	.	.	PUNCT
ejif-9414	457	1	siddiqi	siddiqi	PROPN
ejif-9414	457	2	,	,	PUNCT
ejif-9414	457	3	m.	m.	NOUN
ejif-9414	457	4	(	(	PUNCT
ejif-9414	457	5	2002	2002	NUM
ejif-9414	457	6	)	)	PUNCT
ejif-9414	457	7	.	.	PUNCT
ejif-9414	458	1	comparative	comparative	ADJ
ejif-9414	458	2	advantages	advantage	NOUN
ejif-9414	458	3	of	of	ADP
ejif-9414	458	4	islamic	islamic	ADJ
ejif-9414	458	5	banking	banking	NOUN
ejif-9414	458	6	and	and	CCONJ
ejif-9414	458	7	finance	finance	NOUN
ejif-9414	458	8	:	:	PUNCT
ejif-9414	458	9	harvard	harvard	PROPN
ejif-9414	458	10	forum	forum	PROPN
ejif-9414	458	11	on	on	ADP
ejif-9414	458	12	islamic	islamic	PROPN
ejif-9414	458	13	finance	finance	PROPN
ejif-9414	458	14	.	.	PUNCT
ejif-9414	459	1	sukmana	sukmana	PROPN
ejif-9414	459	2	,	,	PUNCT
ejif-9414	459	3	r.	r.	PROPN
ejif-9414	459	4	(	(	PUNCT
ejif-9414	459	5	2020	2020	NUM
ejif-9414	459	6	)	)	PUNCT
ejif-9414	459	7	.	.	PUNCT
ejif-9414	460	1	critical	critical	ADJ
ejif-9414	460	2	assessment	assessment	NOUN
ejif-9414	460	3	of	of	ADP
ejif-9414	460	4	islamic	islamic	ADJ
ejif-9414	460	5	endowment	endowment	PROPN
ejif-9414	460	6	funds	fund	NOUN
ejif-9414	460	7	(	(	PUNCT
ejif-9414	460	8	waqf	waqf	ADJ
ejif-9414	460	9	)	)	PUNCT
ejif-9414	460	10	literature	literature	NOUN
ejif-9414	460	11	:	:	PUNCT
ejif-9414	460	12	lesson	lesson	NOUN
ejif-9414	460	13	for	for	ADP
ejif-9414	460	14	government	government	NOUN
ejif-9414	460	15	and	and	CCONJ
ejif-9414	460	16	future	future	ADJ
ejif-9414	460	17	directions	direction	NOUN
ejif-9414	460	18	.	.	PUNCT
ejif-9414	461	1	heliyon	heliyon	NOUN
ejif-9414	461	2	,	,	PUNCT
ejif-9414	461	3	6(10	6(10	NUM
ejif-9414	461	4	):	):	PUNCT
ejif-9414	461	5	e05074	e05074	PROPN
ejif-9414	461	6	.	.	PUNCT
ejif-9414	462	1	https://	https://	PROPN
ejif-9414	462	2	doi.org/10.1016/j.heliyon.2020.e05074	doi.org/10.1016/j.heliyon.2020.e05074	PROPN
ejif-9414	462	3	pmid	pmid	PROPN
ejif-9414	462	4	:	:	PUNCT
ejif-9414	462	5	33088936	33088936	NUM
ejif-9414	462	6	terraneo	terraneo	NOUN
ejif-9414	462	7	,	,	PUNCT
ejif-9414	462	8	m.	m.	NOUN
ejif-9414	462	9	(	(	PUNCT
ejif-9414	462	10	2017	2017	NUM
ejif-9414	462	11	)	)	PUNCT
ejif-9414	462	12	.	.	PUNCT
ejif-9414	463	1	material	material	NOUN
ejif-9414	463	2	deprivation	deprivation	NOUN
ejif-9414	463	3	,	,	PUNCT
ejif-9414	463	4	health	health	NOUN
ejif-9414	463	5	and	and	CCONJ
ejif-9414	463	6	well	well	ADV
ejif-9414	463	7	-	-	PUNCT
ejif-9414	463	8	being	being	NOUN
ejif-9414	463	9	in	in	ADP
ejif-9414	463	10	old	old	ADJ
ejif-9414	463	11	age	age	NOUN
ejif-9414	463	12	:	:	PUNCT
ejif-9414	463	13	a	a	DET
ejif-9414	463	14	comparative	comparative	ADJ
ejif-9414	463	15	analysis	analysis	NOUN
ejif-9414	463	16	of	of	ADP
ejif-9414	463	17	14	14	NUM
ejif-9414	463	18	european	european	ADJ
ejif-9414	463	19	countries	country	NOUN
ejif-9414	463	20	.	.	PUNCT
ejif-9414	464	1	in	in	ADP
ejif-9414	464	2	r.	r.	PROPN
ejif-9414	464	3	white	white	PROPN
ejif-9414	464	4	(	(	PUNCT
ejif-9414	464	5	ed	ed	NOUN
ejif-9414	464	6	.	.	PUNCT
ejif-9414	464	7	)	)	PUNCT
ejif-9414	464	8	,	,	PUNCT
ejif-9414	464	9	measuring	measure	VERB
ejif-9414	464	10	multidimensional	multidimensional	ADJ
ejif-9414	464	11	poverty	poverty	NOUN
ejif-9414	464	12	and	and	CCONJ
ejif-9414	464	13	deprivation	deprivation	NOUN
ejif-9414	464	14	:	:	PUNCT
ejif-9414	464	15	incidence	incidence	NOUN
ejif-9414	464	16	and	and	CCONJ
ejif-9414	464	17	determinants	determinant	NOUN
ejif-9414	464	18	in	in	ADP
ejif-9414	464	19	developed	develop	VERB
ejif-9414	464	20	countries	country	NOUN
ejif-9414	464	21	(	(	PUNCT
ejif-9414	464	22	pp	pp	ADJ
ejif-9414	464	23	.	.	PUNCT
ejif-9414	464	24	113	113	NUM
ejif-9414	464	25	138	138	NUM
ejif-9414	464	26	)	)	PUNCT
ejif-9414	464	27	.	.	PUNCT
ejif-9414	465	1	palgrave	palgrave	PROPN
ejif-9414	465	2	macmillan	macmillan	PROPN
ejif-9414	465	3	.	.	PUNCT
ejif-9414	466	1	usman	usman	PROPN
ejif-9414	466	2	,	,	PUNCT
ejif-9414	466	3	a.s	a.s	PROPN
ejif-9414	466	4	,	,	PUNCT
ejif-9414	466	5	&	&	CCONJ
ejif-9414	466	6	tasmin	tasmin	PROPN
ejif-9414	466	7	,	,	PUNCT
ejif-9414	466	8	r.	r.	PROPN
ejif-9414	466	9	(	(	PUNCT
ejif-9414	466	10	2016	2016	NUM
ejif-9414	466	11	)	)	PUNCT
ejif-9414	466	12	.	.	PUNCT
ejif-9414	467	1	the	the	DET
ejif-9414	467	2	role	role	NOUN
ejif-9414	467	3	of	of	ADP
ejif-9414	467	4	islamic	islamic	PROPN
ejif-9414	467	5	micro	micro	NOUN
ejif-9414	467	6	-	-	NOUN
ejif-9414	467	7	finance	finance	NOUN
ejif-9414	467	8	in	in	ADP
ejif-9414	467	9	enhancing	enhance	VERB
ejif-9414	467	10	human	human	ADJ
ejif-9414	467	11	development	development	NOUN
ejif-9414	467	12	in	in	ADP
ejif-9414	467	13	muslim	muslim	ADJ
ejif-9414	467	14	countries	country	NOUN
ejif-9414	467	15	.	.	PUNCT
ejif-9414	468	1	journal	journal	PROPN
ejif-9414	468	2	of	of	ADP
ejif-9414	468	3	islamic	islamic	PROPN
ejif-9414	468	4	finance	finance	NOUN
ejif-9414	468	5	,	,	PUNCT
ejif-9414	468	6	5(1),53–62	5(1),53–62	NUM
ejif-9414	468	7	.	.	NUM
ejif-9414	469	1	widiarto	widiarto	PROPN
ejif-9414	469	2	,	,	PUNCT
ejif-9414	469	3	i.	i.	PROPN
ejif-9414	469	4	,	,	PUNCT
ejif-9414	469	5	&	&	CCONJ
ejif-9414	469	6	emrouznejad	emrouznejad	NOUN
ejif-9414	469	7	,	,	PUNCT
ejif-9414	469	8	a.	a.	NOUN
ejif-9414	469	9	(	(	PUNCT
ejif-9414	469	10	2015	2015	NUM
ejif-9414	469	11	)	)	PUNCT
ejif-9414	469	12	.	.	PUNCT
ejif-9414	470	1	social	social	ADJ
ejif-9414	470	2	and	and	CCONJ
ejif-9414	470	3	financial	financial	ADJ
ejif-9414	470	4	efficiency	efficiency	NOUN
ejif-9414	470	5	of	of	ADP
ejif-9414	470	6	islamic	islamic	ADJ
ejif-9414	470	7	microfinance	microfinance	NOUN
ejif-9414	470	8	institutions	institution	NOUN
ejif-9414	470	9	:	:	PUNCT
ejif-9414	470	10	a	a	DET
ejif-9414	470	11	data	datum	NOUN
ejif-9414	470	12	envelopment	envelopment	ADJ
ejif-9414	470	13	analysis	analysis	NOUN
ejif-9414	470	14	application	application	NOUN
ejif-9414	470	15	.	.	PUNCT
ejif-9414	471	1	socio	socio	NOUN
ejif-9414	471	2	-	-	PUNCT
ejif-9414	471	3	economic	economic	ADJ
ejif-9414	471	4	planning	planning	NOUN
ejif-9414	471	5	sciences	science	NOUN
ejif-9414	471	6	,	,	PUNCT
ejif-9414	471	7	50	50	NUM
ejif-9414	471	8	,	,	PUNCT
ejif-9414	471	9	1–17	1–17	PROPN
ejif-9414	471	10	.	.	PUNCT
ejif-9414	472	1	https://doi.org/10.1016/j.seps.2014.12.001	https://doi.org/10.1016/j.seps.2014.12.001	NOUN
ejif-9414	472	2	.	.	PUNCT
ejif-9414	473	1	widiastuti	widiastuti	NOUN
ejif-9414	473	2	,	,	PUNCT
ejif-9414	473	3	t.	t.	PROPN
ejif-9414	473	4	,	,	PUNCT
ejif-9414	473	5	auwalin	auwalin	PROPN
ejif-9414	473	6	,	,	PUNCT
ejif-9414	473	7	i.	i.	PROPN
ejif-9414	473	8	,	,	PUNCT
ejif-9414	473	9	rani	rani	PROPN
ejif-9414	473	10	,	,	PUNCT
ejif-9414	473	11	ln	ln	PROPN
ejif-9414	473	12	.	.	PROPN
ejif-9414	473	13	,	,	PUNCT
ejif-9414	473	14	&	&	CCONJ
ejif-9414	473	15	almustofa	almustofa	PROPN
ejif-9414	473	16	,	,	PUNCT
ejif-9414	473	17	m.u	m.u	PROPN
ejif-9414	473	18	.	.	PROPN
ejif-9414	473	19	(	(	PUNCT
ejif-9414	473	20	2021	2021	NUM
ejif-9414	473	21	)	)	PUNCT
ejif-9414	473	22	.	.	PUNCT
ejif-9414	474	1	a	a	DET
ejif-9414	474	2	mediating	mediate	VERB
ejif-9414	474	3	effect	effect	NOUN
ejif-9414	474	4	of	of	ADP
ejif-9414	474	5	business	business	NOUN
ejif-9414	474	6	growth	growth	NOUN
ejif-9414	474	7	on	on	ADP
ejif-9414	474	8	zakat	zakat	NOUN
ejif-9414	474	9	empowerment	empowerment	NOUN
ejif-9414	474	10	program	program	NOUN
ejif-9414	474	11	and	and	CCONJ
ejif-9414	474	12	mustahiq	mustahiq	PROPN
ejif-9414	474	13	’s	’s	PART
ejif-9414	474	14	welfare	welfare	NOUN
ejif-9414	474	15	.	.	PUNCT
ejif-9414	475	1	cogent	cogent	ADJ
ejif-9414	475	2	bus	bus	NOUN
ejif-9414	475	3	manag	manag	NOUN
ejif-9414	475	4	,	,	PUNCT
ejif-9414	475	5	8(1),1882039	8(1),1882039	NOUN
ejif-9414	475	6	.	.	PUNCT
ejif-9414	476	1	https://doi	https://doi	NOUN
ejif-9414	476	2	.	.	PUNCT
ejif-9414	476	3	org/10.1080/23311975.2021.1882039	org/10.1080/23311975.2021.1882039	NOUN
ejif-9414	476	4	widiastuti	widiastuti	PROPN
ejif-9414	476	5	,	,	PUNCT
ejif-9414	476	6	t.	t.	PROPN
ejif-9414	476	7	,	,	PUNCT
ejif-9414	476	8	robani	robani	PROPN
ejif-9414	476	9	,	,	PUNCT
ejif-9414	476	10	a.	a.	NOUN
ejif-9414	476	11	,	,	PUNCT
ejif-9414	476	12	sukmaningrum	sukmaningrum	PROPN
ejif-9414	476	13	,	,	PUNCT
ejif-9414	476	14	p.s	p.s	PROPN
ejif-9414	476	15	.	.	PROPN
ejif-9414	476	16	,	,	PUNCT
ejif-9414	476	17	mawardi	mawardi	PROPN
ejif-9414	476	18	,	,	PUNCT
ejif-9414	476	19	i.	i.	NOUN
ejif-9414	476	20	,	,	PUNCT
ejif-9414	476	21	ningsih	ningsih	PROPN
ejif-9414	476	22	,	,	PUNCT
ejif-9414	476	23	s.	s.	PROPN
ejif-9414	476	24	,	,	PUNCT
ejif-9414	476	25	herianingrum	herianingrum	NOUN
ejif-9414	476	26	,	,	PUNCT
ejif-9414	476	27	s.	s.	PROPN
ejif-9414	476	28	,	,	PUNCT
ejif-9414	476	29	al	al	PROPN
ejif-9414	476	30	-	-	PUNCT
ejif-9414	476	31	mustofa	mustofa	PROPN
ejif-9414	476	32	,	,	PUNCT
ejif-9414	476	33	m.u	m.u	PROPN
ejif-9414	476	34	.	.	PROPN
ejif-9414	476	35	(	(	PUNCT
ejif-9414	476	36	2022	2022	NUM
ejif-9414	476	37	)	)	PUNCT
ejif-9414	476	38	integrating	integrate	VERB
ejif-9414	476	39	sustainable	sustainable	ADJ
ejif-9414	476	40	islamic	islamic	ADJ
ejif-9414	476	41	social	social	ADJ
ejif-9414	476	42	finance	finance	NOUN
ejif-9414	476	43	:	:	PUNCT
ejif-9414	476	44	an	an	DET
ejif-9414	476	45	analytical	analytical	ADJ
ejif-9414	476	46	network	network	NOUN
ejif-9414	476	47	process	process	NOUN
ejif-9414	476	48	using	use	VERB
ejif-9414	476	49	the	the	DET
ejif-9414	476	50	benefit	benefit	NOUN
ejif-9414	476	51	opportunity	opportunity	NOUN
ejif-9414	476	52	cost	cost	NOUN
ejif-9414	476	53	risk	risk	NOUN
ejif-9414	476	54	(	(	PUNCT
ejif-9414	476	55	anp	anp	PROPN
ejif-9414	476	56	bocr	bocr	ADJ
ejif-9414	476	57	)	)	PUNCT
ejif-9414	476	58	framework	framework	NOUN
ejif-9414	476	59	:	:	PUNCT
ejif-9414	476	60	the	the	DET
ejif-9414	476	61	case	case	NOUN
ejif-9414	476	62	of	of	ADP
ejif-9414	476	63	indonesia	indonesia	PROPN
ejif-9414	476	64	.	.	PUNCT
ejif-9414	477	1	plos	plos	PROPN
ejif-9414	477	2	one	one	NUM
ejif-9414	477	3	,	,	PUNCT
ejif-9414	477	4	17(5	17(5	NUM
ejif-9414	477	5	)	)	PUNCT
ejif-9414	477	6	,	,	PUNCT
ejif-9414	477	7	1	1	NUM
ejif-9414	477	8	-	-	SYM
ejif-9414	477	9	20	20	NUM
ejif-9414	477	10	.	.	PUNCT
ejif-9414	478	1	https://doi.org/10.1371/journal.pone.0269039	https://doi.org/10.1371/journal.pone.0269039	NOUN