id	sid	tid	token	lemma	pos
hi-230	1	1	hamdard	hamdard	ADJ
hi-230	1	2	islamicus	islamicus	NOUN
hi-230	1	3	,	,	PUNCT
hi-230	1	4	vol	vol	NOUN
hi-230	1	5	.	.	PROPN
hi-230	2	1	43	43	NUM
hi-230	2	2	no	no	NOUN
hi-230	2	3	.	.	PUNCT
hi-230	2	4	s.2	s.2	X
hi-230	2	5	(	(	PUNCT
hi-230	2	6	2020	2020	NUM
hi-230	2	7	)	)	PUNCT
hi-230	2	8	,	,	PUNCT
hi-230	2	9	850	850	NUM
hi-230	2	10	861	861	NUM
hi-230	2	11	850	850	NUM
hi-230	2	12	issn	issn	X
hi-230	2	13	:	:	PUNCT
hi-230	2	14	0250	0250	NUM
hi-230	2	15	effectiveness	effectiveness	NOUN
hi-230	2	16	financing	financing	NOUN
hi-230	2	17	through	through	ADP
hi-230	2	18	peer	peer	NOUN
hi-230	2	19	to	to	PART
hi-230	2	20	peer	peer	VERB
hi-230	2	21	financial	financial	ADJ
hi-230	2	22	technology	technology	NOUN
hi-230	2	23	at	at	ADP
hi-230	2	24	smmb	smmb	NOUN
hi-230	2	25	(	(	PUNCT
hi-230	2	26	small	small	ADJ
hi-230	2	27	and	and	CCONJ
hi-230	2	28	medium	medium	NOUN
hi-230	2	29	micro	micro	NOUN
hi-230	2	30	business	business	NOUN
hi-230	2	31	)	)	PUNCT
hi-230	2	32	in	in	ADP
hi-230	2	33	indonesia	indonesia	PROPN
hi-230	2	34	1nanik	1nanik	NUM
hi-230	2	35	eprianti	eprianti	NOUN
hi-230	2	36	,	,	PUNCT
hi-230	2	37	2zia	2zia	NUM
hi-230	2	38	firdaus	firdaus	PROPN
hi-230	2	39	n	n	PROPN
hi-230	2	40	,	,	PUNCT
hi-230	2	41	3neng	3neng	NUM
hi-230	2	42	dewi	dewi	PROPN
hi-230	2	43	himayasari	himayasari	PROPN
hi-230	2	44	abstract	abstract	VERB
hi-230	2	45	the	the	DET
hi-230	2	46	purpose	purpose	NOUN
hi-230	2	47	of	of	ADP
hi-230	2	48	this	this	DET
hi-230	2	49	research	research	NOUN
hi-230	2	50	is	be	AUX
hi-230	2	51	to	to	PART
hi-230	2	52	know	know	VERB
hi-230	2	53	how	how	SCONJ
hi-230	2	54	to	to	PART
hi-230	2	55	apply	apply	VERB
hi-230	2	56	financing	financing	NOUN
hi-230	2	57	and	and	CCONJ
hi-230	2	58	financing	financing	NOUN
hi-230	2	59	effectiveness	effectiveness	NOUN
hi-230	2	60	through	through	ADP
hi-230	2	61	the	the	DET
hi-230	2	62	financial	financial	ADJ
hi-230	2	63	technology	technology	NOUN
hi-230	2	64	peer	peer	NOUN
hi-230	2	65	to	to	PART
hi-230	2	66	peer	peer	VERB
hi-230	2	67	to	to	PART
hi-230	2	68	smmb	smmb	VERB
hi-230	2	69	in	in	ADP
hi-230	2	70	indonesia	indonesia	PROPN
hi-230	2	71	.	.	PUNCT
hi-230	3	1	the	the	DET
hi-230	3	2	research	research	NOUN
hi-230	3	3	methods	method	NOUN
hi-230	3	4	used	use	VERB
hi-230	3	5	are	be	AUX
hi-230	3	6	qualitative	qualitative	ADJ
hi-230	3	7	.	.	PUNCT
hi-230	4	1	primary	primary	ADJ
hi-230	4	2	data	datum	NOUN
hi-230	4	3	sources	source	NOUN
hi-230	4	4	through	through	ADP
hi-230	4	5	interviews	interview	NOUN
hi-230	4	6	and	and	CCONJ
hi-230	4	7	secondary	secondary	ADJ
hi-230	4	8	data	datum	NOUN
hi-230	4	9	are	be	AUX
hi-230	4	10	obtained	obtain	VERB
hi-230	4	11	from	from	ADP
hi-230	4	12	financial	financial	ADJ
hi-230	4	13	statements	statement	NOUN
hi-230	4	14	and	and	CCONJ
hi-230	4	15	books	book	NOUN
hi-230	4	16	.	.	PUNCT
hi-230	5	1	the	the	DET
hi-230	5	2	result	result	NOUN
hi-230	5	3	of	of	ADP
hi-230	5	4	the	the	DET
hi-230	5	5	research	research	NOUN
hi-230	5	6	is	be	AUX
hi-230	5	7	the	the	DET
hi-230	5	8	process	process	NOUN
hi-230	5	9	of	of	ADP
hi-230	5	10	fintech	fintech	NOUN
hi-230	5	11	financing	financing	NOUN
hi-230	5	12	on	on	ADP
hi-230	5	13	p2p	p2p	NOUN
hi-230	5	14	lending	lending	NOUN
hi-230	5	15	products	product	NOUN
hi-230	5	16	that	that	PRON
hi-230	5	17	often	often	ADV
hi-230	5	18	occur	occur	VERB
hi-230	5	19	namely	namely	ADV
hi-230	5	20	capital	capital	NOUN
hi-230	5	21	loans	loan	NOUN
hi-230	5	22	with	with	ADP
hi-230	5	23	the	the	DET
hi-230	5	24	following	follow	VERB
hi-230	5	25	financing	financing	NOUN
hi-230	5	26	requirements	requirement	NOUN
hi-230	5	27	:	:	PUNCT
hi-230	5	28	complement	complement	VERB
hi-230	5	29	the	the	DET
hi-230	5	30	files	file	NOUN
hi-230	5	31	related	relate	VERB
hi-230	5	32	to	to	ADP
hi-230	5	33	personal	personal	ADJ
hi-230	5	34	data	datum	NOUN
hi-230	5	35	and	and	CCONJ
hi-230	5	36	business	business	NOUN
hi-230	5	37	,	,	PUNCT
hi-230	5	38	the	the	DET
hi-230	5	39	application	application	NOUN
hi-230	5	40	process	process	NOUN
hi-230	5	41	is	be	AUX
hi-230	5	42	simpler	simple	ADJ
hi-230	5	43	&	&	CCONJ
hi-230	5	44	fast	fast	PROPN
hi-230	5	45	disbursement	disbursement	NOUN
hi-230	5	46	without	without	ADP
hi-230	5	47	the	the	DET
hi-230	5	48	need	need	NOUN
hi-230	5	49	to	to	PART
hi-230	5	50	submit	submit	VERB
hi-230	5	51	a	a	DET
hi-230	5	52	guarantee	guarantee	NOUN
hi-230	5	53	.	.	PUNCT
hi-230	6	1	then	then	ADV
hi-230	6	2	,	,	PUNCT
hi-230	6	3	based	base	VERB
hi-230	6	4	on	on	ADP
hi-230	6	5	observations	observation	NOUN
hi-230	6	6	conducted	conduct	VERB
hi-230	6	7	through	through	ADP
hi-230	6	8	previous	previous	ADJ
hi-230	6	9	research	research	NOUN
hi-230	6	10	that	that	SCONJ
hi-230	6	11	financing	finance	VERB
hi-230	6	12	through	through	ADP
hi-230	6	13	p2p	p2p	NOUN
hi-230	6	14	fintech	fintech	NOUN
hi-230	6	15	in	in	ADP
hi-230	6	16	smmb	smmb	NOUN
hi-230	6	17	in	in	ADP
hi-230	6	18	indonesia	indonesia	PROPN
hi-230	6	19	has	have	AUX
hi-230	6	20	not	not	PART
hi-230	6	21	been	be	AUX
hi-230	6	22	effective	effective	ADJ
hi-230	6	23	enough	enough	ADV
hi-230	6	24	,	,	PUNCT
hi-230	6	25	where	where	SCONJ
hi-230	6	26	the	the	DET
hi-230	6	27	company	company	NOUN
hi-230	6	28	still	still	ADV
hi-230	6	29	has	have	AUX
hi-230	6	30	not	not	PART
hi-230	6	31	implemented	implement	VERB
hi-230	6	32	the	the	DET
hi-230	6	33	5c	5c	NUM
hi-230	6	34	principles	principle	NOUN
hi-230	6	35	in	in	ADP
hi-230	6	36	providing	provide	VERB
hi-230	6	37	financing	financing	NOUN
hi-230	6	38	,	,	PUNCT
hi-230	6	39	as	as	ADV
hi-230	6	40	well	well	ADV
hi-230	6	41	as	as	ADP
hi-230	6	42	the	the	DET
hi-230	6	43	company	company	NOUN
hi-230	6	44	still	still	ADV
hi-230	6	45	ignore	ignore	VERB
hi-230	6	46	the	the	DET
hi-230	6	47	rules	rule	NOUN
hi-230	6	48	and	and	CCONJ
hi-230	6	49	restrictions	restriction	NOUN
hi-230	6	50	issued	issue	VERB
hi-230	6	51	by	by	ADP
hi-230	6	52	ojk	ojk	ADJ
hi-230	6	53	number	number	NOUN
hi-230	6	54	77	77	NUM
hi-230	6	55	/	/	SYM
hi-230	6	56	pojk	pojk	PROPN
hi-230	6	57	.	.	PUNCT
hi-230	7	1	however	however	ADV
hi-230	7	2	,	,	PUNCT
hi-230	7	3	the	the	DET
hi-230	7	4	management	management	NOUN
hi-230	7	5	of	of	ADP
hi-230	7	6	fund	fund	NOUN
hi-230	7	7	distribution	distribution	NOUN
hi-230	7	8	services	service	NOUN
hi-230	7	9	is	be	AUX
hi-230	7	10	still	still	ADV
hi-230	7	11	not	not	PART
hi-230	7	12	qualified	qualified	ADJ
hi-230	7	13	in	in	ADP
hi-230	7	14	minimizing	minimize	VERB
hi-230	7	15	risk	risk	NOUN
hi-230	7	16	,	,	PUNCT
hi-230	7	17	as	as	ADV
hi-230	7	18	well	well	ADV
hi-230	7	19	as	as	ADP
hi-230	7	20	the	the	DET
hi-230	7	21	operation	operation	NOUN
hi-230	7	22	of	of	ADP
hi-230	7	23	the	the	DET
hi-230	7	24	company	company	NOUN
hi-230	7	25	is	be	AUX
hi-230	7	26	still	still	ADV
hi-230	7	27	less	less	ADV
hi-230	7	28	cautious	cautious	ADJ
hi-230	7	29	so	so	SCONJ
hi-230	7	30	that	that	SCONJ
hi-230	7	31	it	it	PRON
hi-230	7	32	impacts	impact	VERB
hi-230	7	33	on	on	ADP
hi-230	7	34	losses	loss	NOUN
hi-230	7	35	and	and	CCONJ
hi-230	7	36	debts	debt	NOUN
hi-230	7	37	that	that	PRON
hi-230	7	38	accumulate	accumulate	VERB
hi-230	7	39	for	for	ADP
hi-230	7	40	smmb	smmb	NOUN
hi-230	7	41	businesses	business	NOUN
hi-230	7	42	.	.	PUNCT
hi-230	8	1	keywords	keyword	NOUN
hi-230	8	2	:	:	PUNCT
hi-230	8	3	financing	financing	NOUN
hi-230	8	4	,	,	PUNCT
hi-230	8	5	p2p	p2p	NOUN
hi-230	8	6	fintech	fintech	NOUN
hi-230	8	7	,	,	PUNCT
hi-230	8	8	smmb	smmb	NOUN
hi-230	8	9	1	1	NUM
hi-230	8	10	.	.	PUNCT
hi-230	9	1	introduction	introduction	NOUN
hi-230	9	2	technology	technology	NOUN
hi-230	9	3	is	be	AUX
hi-230	9	4	one	one	NUM
hi-230	9	5	of	of	ADP
hi-230	9	6	the	the	DET
hi-230	9	7	community	community	NOUN
hi-230	9	8	need	need	NOUN
hi-230	9	9	,	,	PUNCT
hi-230	9	10	where	where	SCONJ
hi-230	9	11	the	the	DET
hi-230	9	12	impact	impact	NOUN
hi-230	9	13	of	of	ADP
hi-230	9	14	the	the	DET
hi-230	9	15	technological	technological	ADJ
hi-230	9	16	developments	development	NOUN
hi-230	9	17	can	can	AUX
hi-230	9	18	build	build	VERB
hi-230	9	19	and	and	CCONJ
hi-230	9	20	develop	develop	VERB
hi-230	9	21	the	the	DET
hi-230	9	22	digital	digital	ADJ
hi-230	9	23	economy	economy	NOUN
hi-230	9	24	sectors	sector	NOUN
hi-230	9	25	.	.	PUNCT
hi-230	10	1	the	the	DET
hi-230	10	2	community	community	NOUN
hi-230	10	3	continues	continue	VERB
hi-230	10	4	to	to	PART
hi-230	10	5	develop	develop	VERB
hi-230	10	6	innovation	innovation	NOUN
hi-230	10	7	in	in	ADP
hi-230	10	8	the	the	DET
hi-230	10	9	provision	provision	NOUN
hi-230	10	10	of	of	ADP
hi-230	10	11	services	service	NOUN
hi-230	10	12	in	in	ADP
hi-230	10	13	lending	lending	NOUN
hi-230	10	14	activities	activity	NOUN
hi-230	10	15	,	,	PUNCT
hi-230	10	16	one	one	NUM
hi-230	10	17	of	of	ADP
hi-230	10	18	which	which	PRON
hi-230	10	19	is	be	AUX
hi-230	10	20	characterized	characterize	VERB
hi-230	10	21	by	by	ADP
hi-230	10	22	the	the	DET
hi-230	10	23	provision	provision	NOUN
hi-230	10	24	of	of	ADP
hi-230	10	25	information	information	NOUN
hi-230	10	26	technology	technology	NOUN
hi-230	10	27	-	-	PUNCT
hi-230	10	28	based	base	VERB
hi-230	10	29	money	money	NOUN
hi-230	10	30	lending	lending	NOUN
hi-230	10	31	services	service	NOUN
hi-230	10	32	that	that	PRON
hi-230	10	33	is	be	AUX
hi-230	10	34	assessed	assess	VERB
hi-230	10	35	as	as	ADP
hi-230	10	36	contributing	contribute	VERB
hi-230	10	37	to	to	ADP
hi-230	10	38	national	national	ADJ
hi-230	10	39	development	development	NOUN
hi-230	10	40	and	and	CCONJ
hi-230	10	41	economy	economy	NOUN
hi-230	10	42	.	.	PUNCT
hi-230	11	1	money	money	NOUN
hi-230	11	2	lending	lending	NOUN
hi-230	11	3	service	service	NOUN
hi-230	11	4	based	base	VERB
hi-230	11	5	on	on	ADP
hi-230	11	6	information	information	NOUN
hi-230	11	7	technology	technology	NOUN
hi-230	11	8	is	be	AUX
hi-230	11	9	very	very	ADV
hi-230	11	10	helpful	helpful	ADJ
hi-230	11	11	in	in	ADP
hi-230	11	12	improving	improve	VERB
hi-230	11	13	public	public	ADJ
hi-230	11	14	access	access	NOUN
hi-230	11	15	to	to	ADP
hi-230	11	16	financial	financial	ADJ
hi-230	11	17	services	service	NOUN
hi-230	11	18	products	product	NOUN
hi-230	11	19	online	online	ADV
hi-230	11	20	,	,	PUNCT
hi-230	11	21	both	both	CCONJ
hi-230	11	22	with	with	ADP
hi-230	11	23	various	various	ADJ
hi-230	11	24	parties	party	NOUN
hi-230	11	25	without	without	ADP
hi-230	11	26	the	the	DET
hi-230	11	27	need	need	NOUN
hi-230	11	28	to	to	PART
hi-230	11	29	know	know	VERB
hi-230	11	30	each	each	DET
hi-230	11	31	other	other	ADJ
hi-230	11	32	.	.	PUNCT
hi-230	12	1	the	the	DET
hi-230	12	2	era	era	NOUN
hi-230	12	3	of	of	ADP
hi-230	12	4	technology	technology	NOUN
hi-230	12	5	is	be	AUX
hi-230	12	6	an	an	DET
hi-230	12	7	era	era	NOUN
hi-230	12	8	where	where	SCONJ
hi-230	12	9	community	community	NOUN
hi-230	12	10	life	life	NOUN
hi-230	12	11	and	and	CCONJ
hi-230	12	12	activities	activity	NOUN
hi-230	12	13	will	will	AUX
hi-230	12	14	be	be	AUX
hi-230	12	15	easier	easy	ADJ
hi-230	12	16	and	and	CCONJ
hi-230	12	17	more	more	ADV
hi-230	12	18	effective	effective	ADJ
hi-230	12	19	due	due	ADP
hi-230	12	20	to	to	ADP
hi-230	12	21	the	the	DET
hi-230	12	22	role	role	NOUN
hi-230	12	23	of	of	ADP
hi-230	12	24	the	the	DET
hi-230	12	25	digital	digital	ADJ
hi-230	12	26	world	world	NOUN
hi-230	12	27	.	.	PUNCT
hi-230	13	1	one	one	NUM
hi-230	13	2	type	type	NOUN
hi-230	13	3	of	of	ADP
hi-230	13	4	start	start	NOUN
hi-230	13	5	-	-	PUNCT
hi-230	13	6	up	up	NOUN
hi-230	13	7	that	that	PRON
hi-230	13	8	is	be	AUX
hi-230	13	9	starting	start	VERB
hi-230	13	10	to	to	PART
hi-230	13	11	rise	rise	VERB
hi-230	13	12	in	in	ADP
hi-230	13	13	the	the	DET
hi-230	13	14	leaves	leave	NOUN
hi-230	13	15	is	be	AUX
hi-230	13	16	in	in	ADP
hi-230	13	17	the	the	DET
hi-230	13	18	field	field	NOUN
hi-230	13	19	of	of	ADP
hi-230	13	20	financial	financial	ADJ
hi-230	13	21	technology	technology	NOUN
hi-230	13	22	(	(	PUNCT
hi-230	13	23	fintech	fintech	NOUN
hi-230	13	24	)	)	PUNCT
hi-230	13	25	.	.	PUNCT
hi-230	14	1	financial	financial	ADJ
hi-230	14	2	technology	technology	NOUN
hi-230	14	3	is	be	AUX
hi-230	14	4	a	a	DET
hi-230	14	5	shortened	shorten	VERB
hi-230	14	6	1neng	1neng	NUM
hi-230	14	7	dewi	dewi	PROPN
hi-230	14	8	himayasari	himayasari	PROPN
hi-230	14	9	sharia	sharia	PROPN
hi-230	14	10	faculty	faculty	PROPN
hi-230	14	11	,	,	PUNCT
hi-230	14	12	islamic	islamic	PROPN
hi-230	14	13	university	university	PROPN
hi-230	14	14	of	of	ADP
hi-230	14	15	bandung	bandung	PROPN
hi-230	14	16	.	.	PUNCT
hi-230	15	1	jl	jl	PROPN
hi-230	15	2	.	.	PROPN
hi-230	15	3	tamansari	tamansari	PROPN
hi-230	16	1	no	no	INTJ
hi-230	16	2	.	.	NOUN
hi-230	16	3	1	1	NUM
hi-230	16	4	,	,	PUNCT
hi-230	16	5	bandung	bandung	NOUN
hi-230	16	6	city	city	NOUN
hi-230	16	7	,	,	PUNCT
hi-230	16	8	west	west	PROPN
hi-230	16	9	java	java	PROPN
hi-230	16	10	,	,	PUNCT
hi-230	16	11	indonesia	indonesia	PROPN
hi-230	16	12	.	.	PUNCT
hi-230	16	13	email	email	NOUN
hi-230	16	14	:	:	PUNCT
hi-230	16	15	nanikeprianti@gmail.com	nanikeprianti@gmail.com	X
hi-230	17	1	2neng	2neng	NUM
hi-230	17	2	dewi	dewi	PROPN
hi-230	17	3	himayasari	himayasari	PROPN
hi-230	17	4	sharia	sharia	PROPN
hi-230	17	5	faculty	faculty	PROPN
hi-230	17	6	,	,	PUNCT
hi-230	17	7	islamic	islamic	PROPN
hi-230	17	8	university	university	PROPN
hi-230	17	9	of	of	ADP
hi-230	17	10	bandung	bandung	PROPN
hi-230	17	11	.	.	PUNCT
hi-230	18	1	jl	jl	PROPN
hi-230	18	2	.	.	PROPN
hi-230	18	3	tamansari	tamansari	PROPN
hi-230	19	1	no	no	INTJ
hi-230	19	2	.	.	NOUN
hi-230	19	3	1	1	NUM
hi-230	19	4	,	,	PUNCT
hi-230	19	5	bandung	bandung	NOUN
hi-230	19	6	city	city	NOUN
hi-230	19	7	,	,	PUNCT
hi-230	19	8	west	west	PROPN
hi-230	19	9	java	java	PROPN
hi-230	19	10	,	,	PUNCT
hi-230	19	11	indonesia	indonesia	PROPN
hi-230	19	12	.	.	PUNCT
hi-230	20	1	3sharia	3sharia	NUM
hi-230	20	2	faculty	faculty	NOUN
hi-230	20	3	,	,	PUNCT
hi-230	20	4	islamic	islamic	PROPN
hi-230	20	5	university	university	PROPN
hi-230	20	6	of	of	ADP
hi-230	20	7	bandung	bandung	PROPN
hi-230	20	8	.	.	PUNCT
hi-230	21	1	jl	jl	PROPN
hi-230	21	2	.	.	PROPN
hi-230	21	3	tamansari	tamansari	PROPN
hi-230	22	1	no	no	INTJ
hi-230	22	2	.	.	NOUN
hi-230	22	3	1	1	NUM
hi-230	22	4	,	,	PUNCT
hi-230	22	5	bandung	bandung	NOUN
hi-230	22	6	city	city	NOUN
hi-230	22	7	,	,	PUNCT
hi-230	22	8	west	west	PROPN
hi-230	22	9	java	java	PROPN
hi-230	22	10	,	,	PUNCT
hi-230	22	11	indonesia	indonesia	PROPN
hi-230	22	12	mailto:nanikeprianti@gmail.com	mailto:nanikeprianti@gmail.com	VERB
hi-230	22	13	hamdard	hamdard	ADJ
hi-230	22	14	islamicus	islamicus	NOUN
hi-230	22	15	,	,	PUNCT
hi-230	22	16	vol	vol	NOUN
hi-230	22	17	.	.	PROPN
hi-230	23	1	43	43	NUM
hi-230	23	2	no	no	NOUN
hi-230	23	3	.	.	PUNCT
hi-230	23	4	s.2	s.2	X
hi-230	23	5	(	(	PUNCT
hi-230	23	6	2020	2020	NUM
hi-230	23	7	)	)	PUNCT
hi-230	23	8	,	,	PUNCT
hi-230	23	9	850	850	NUM
hi-230	23	10	861	861	NUM
hi-230	23	11	851	851	NUM
hi-230	23	12	issn	issn	PROPN
hi-230	23	13	:	:	PUNCT
hi-230	23	14	0250	0250	NUM
hi-230	23	15	designation	designation	NOUN
hi-230	23	16	of	of	ADP
hi-230	23	17	the	the	DET
hi-230	23	18	word	word	NOUN
hi-230	23	19	'	'	PUNCT
hi-230	23	20	financial	financial	ADJ
hi-230	23	21	'	'	PUNCT
hi-230	23	22	and	and	CCONJ
hi-230	23	23	'	'	PUNCT
hi-230	23	24	technology	technology	NOUN
hi-230	23	25	'	'	PUNCT
hi-230	23	26	where	where	SCONJ
hi-230	23	27	it	it	PRON
hi-230	23	28	means	mean	VERB
hi-230	23	29	an	an	DET
hi-230	23	30	innovation	innovation	NOUN
hi-230	23	31	in	in	ADP
hi-230	23	32	the	the	DET
hi-230	23	33	field	field	NOUN
hi-230	23	34	of	of	ADP
hi-230	23	35	financial	financial	ADJ
hi-230	23	36	services	service	NOUN
hi-230	23	37	.	.	PUNCT
hi-230	24	1	fintech	fintech	NOUN
hi-230	24	2	affects	affect	VERB
hi-230	24	3	community	community	NOUN
hi-230	24	4	transaction	transaction	NOUN
hi-230	24	5	habits	habit	NOUN
hi-230	24	6	become	become	VERB
hi-230	24	7	more	more	ADV
hi-230	24	8	practical	practical	ADJ
hi-230	24	9	and	and	CCONJ
hi-230	24	10	effective	effective	ADJ
hi-230	24	11	also	also	ADV
hi-230	24	12	helps	help	VERB
hi-230	24	13	communities	community	NOUN
hi-230	24	14	gain	gain	VERB
hi-230	24	15	access	access	NOUN
hi-230	24	16	to	to	ADP
hi-230	24	17	financial	financial	ADJ
hi-230	24	18	products	product	NOUN
hi-230	24	19	and	and	CCONJ
hi-230	24	20	improve	improve	VERB
hi-230	24	21	financial	financial	ADJ
hi-230	24	22	literacy	literacy	NOUN
hi-230	24	23	.	.	PUNCT
hi-230	25	1	some	some	DET
hi-230	25	2	examples	example	NOUN
hi-230	25	3	of	of	ADP
hi-230	25	4	business	business	NOUN
hi-230	25	5	are	be	AUX
hi-230	25	6	incorporated	incorporate	VERB
hi-230	25	7	in	in	ADP
hi-230	25	8	fintech	fintech	NOUN
hi-230	25	9	such	such	ADJ
hi-230	25	10	as	as	ADP
hi-230	25	11	;	;	PUNCT
hi-230	25	12	the	the	DET
hi-230	25	13	process	process	NOUN
hi-230	25	14	of	of	ADP
hi-230	25	15	buying	buying	NOUN
hi-230	25	16	and	and	CCONJ
hi-230	25	17	selling	sell	VERB
hi-230	25	18	stocks	stock	NOUN
hi-230	25	19	,	,	PUNCT
hi-230	25	20	payments	payment	NOUN
hi-230	25	21	,	,	PUNCT
hi-230	25	22	funds	fund	NOUN
hi-230	25	23	transfer	transfer	NOUN
hi-230	25	24	,	,	PUNCT
hi-230	25	25	retail	retail	ADJ
hi-230	25	26	investment	investment	NOUN
hi-230	25	27	,	,	PUNCT
hi-230	25	28	financial	financial	ADJ
hi-230	25	29	planning	planning	NOUN
hi-230	25	30	(	(	PUNCT
hi-230	25	31	personal	personal	ADJ
hi-230	25	32	finance	finance	NOUN
hi-230	25	33	)	)	PUNCT
hi-230	25	34	,	,	PUNCT
hi-230	25	35	and	and	CCONJ
hi-230	25	36	peer	peer	VERB
hi-230	25	37	to	to	ADP
hi-230	25	38	peer	peer	NOUN
hi-230	25	39	lending	lending	NOUN
hi-230	25	40	.	.	PUNCT
hi-230	26	1	peer	peer	NOUN
hi-230	26	2	to	to	ADP
hi-230	26	3	peer	peer	NOUN
hi-230	26	4	(	(	PUNCT
hi-230	26	5	p2p	p2p	NOUN
hi-230	26	6	)	)	PUNCT
hi-230	26	7	lending	lending	NOUN
hi-230	26	8	is	be	AUX
hi-230	26	9	a	a	DET
hi-230	26	10	service	service	NOUN
hi-230	26	11	of	of	ADP
hi-230	26	12	financial	financial	ADJ
hi-230	26	13	technology	technology	NOUN
hi-230	26	14	that	that	PRON
hi-230	26	15	is	be	AUX
hi-230	26	16	very	very	ADV
hi-230	26	17	helpful	helpful	ADJ
hi-230	26	18	smmb	smmb	NOUN
hi-230	26	19	in	in	ADP
hi-230	26	20	the	the	DET
hi-230	26	21	capital	capital	NOUN
hi-230	26	22	.	.	PUNCT
hi-230	27	1	capital	capital	NOUN
hi-230	27	2	is	be	AUX
hi-230	27	3	a	a	DET
hi-230	27	4	very	very	ADV
hi-230	27	5	significant	significant	ADJ
hi-230	27	6	issue	issue	NOUN
hi-230	27	7	of	of	ADP
hi-230	27	8	course	course	NOUN
hi-230	27	9	to	to	PART
hi-230	27	10	develop	develop	VERB
hi-230	27	11	business	business	NOUN
hi-230	27	12	and	and	CCONJ
hi-230	27	13	fulfill	fulfill	VERB
hi-230	27	14	the	the	DET
hi-230	27	15	financial	financial	ADJ
hi-230	27	16	needs	need	NOUN
hi-230	27	17	of	of	ADP
hi-230	27	18	society	society	NOUN
hi-230	27	19	.	.	PUNCT
hi-230	28	1	(	(	PUNCT
hi-230	28	2	htt	htt	NOUN
hi-230	28	3	)	)	PUNCT
hi-230	28	4	so	so	ADV
hi-230	28	5	,	,	PUNCT
hi-230	28	6	with	with	ADP
hi-230	28	7	peer	peer	NOUN
hi-230	28	8	to	to	ADP
hi-230	28	9	peer	peer	NOUN
hi-230	28	10	(	(	PUNCT
hi-230	28	11	p2p	p2p	NOUN
hi-230	28	12	)	)	PUNCT
hi-230	28	13	lending	lending	NOUN
hi-230	28	14	community	community	NOUN
hi-230	28	15	,	,	PUNCT
hi-230	28	16	smmb	smmb	NOUN
hi-230	28	17	can	can	AUX
hi-230	28	18	borrow	borrow	VERB
hi-230	28	19	funds	fund	NOUN
hi-230	28	20	easily	easily	ADV
hi-230	28	21	without	without	ADP
hi-230	28	22	collateral	collateral	NOUN
hi-230	28	23	.	.	PUNCT
hi-230	29	1	financing	financing	NOUN
hi-230	29	2	or	or	CCONJ
hi-230	29	3	financing	financing	NOUN
hi-230	29	4	is	be	AUX
hi-230	29	5	the	the	DET
hi-230	29	6	funding	funding	NOUN
hi-230	29	7	given	give	VERB
hi-230	29	8	by	by	ADP
hi-230	29	9	a	a	DET
hi-230	29	10	party	party	NOUN
hi-230	29	11	to	to	ADP
hi-230	29	12	other	other	ADJ
hi-230	29	13	parties	party	NOUN
hi-230	29	14	to	to	PART
hi-230	29	15	support	support	VERB
hi-230	29	16	the	the	DET
hi-230	29	17	planned	plan	VERB
hi-230	29	18	investments	investment	NOUN
hi-230	29	19	,	,	PUNCT
hi-230	29	20	both	both	DET
hi-230	29	21	self	self	NOUN
hi-230	29	22	-	-	PUNCT
hi-230	29	23	made	make	VERB
hi-230	29	24	and	and	CCONJ
hi-230	29	25	institutions	institution	NOUN
hi-230	29	26	(	(	PUNCT
hi-230	29	27	dwi	dwi	PROPN
hi-230	29	28	&	&	CCONJ
hi-230	29	29	renny	renny	PROPN
hi-230	29	30	,	,	PUNCT
hi-230	29	31	2017	2017	NUM
hi-230	29	32	;	;	PUNCT
hi-230	29	33	rianse	rianse	NOUN
hi-230	29	34	&	&	CCONJ
hi-230	29	35	abdi	abdi	PROPN
hi-230	29	36	,	,	PUNCT
hi-230	29	37	2009	2009	NUM
hi-230	29	38	)	)	PUNCT
hi-230	29	39	.	.	PUNCT
hi-230	30	1	judging	judge	VERB
hi-230	30	2	from	from	ADP
hi-230	30	3	the	the	DET
hi-230	30	4	data	datum	NOUN
hi-230	30	5	obtained	obtain	VERB
hi-230	30	6	from	from	ADP
hi-230	30	7	the	the	DET
hi-230	30	8	ojk	ojk	NOUN
hi-230	30	9	at	at	ADP
hi-230	30	10	the	the	DET
hi-230	30	11	end	end	NOUN
hi-230	30	12	of	of	ADP
hi-230	30	13	the	the	DET
hi-230	30	14	year	year	NOUN
hi-230	30	15	2017	2017	NUM
hi-230	30	16	,	,	PUNCT
hi-230	30	17	there	there	PRON
hi-230	30	18	is	be	VERB
hi-230	30	19	a	a	DET
hi-230	30	20	credit	credit	NOUN
hi-230	30	21	need	need	NOUN
hi-230	30	22	for	for	ADP
hi-230	30	23	smmb	smmb	NOUN
hi-230	30	24	capital	capital	NOUN
hi-230	30	25	amounting	amount	VERB
hi-230	30	26	to	to	ADP
hi-230	30	27	rp1,700	rp1,700	NOUN
hi-230	30	28	trillion	trillion	NUM
hi-230	30	29	per	per	ADP
hi-230	30	30	year	year	NOUN
hi-230	30	31	in	in	ADP
hi-230	30	32	indonesia	indonesia	PROPN
hi-230	30	33	.	.	PUNCT
hi-230	31	1	with	with	ADP
hi-230	31	2	a	a	DET
hi-230	31	3	limited	limited	ADJ
hi-230	31	4	financial	financial	ADJ
hi-230	31	5	institution	institution	NOUN
hi-230	31	6	at	at	ADP
hi-230	31	7	the	the	DET
hi-230	31	8	time	time	NOUN
hi-230	31	9	,	,	PUNCT
hi-230	31	10	it	it	PRON
hi-230	31	11	could	could	AUX
hi-230	31	12	meet	meet	VERB
hi-230	31	13	the	the	DET
hi-230	31	14	capital	capital	NOUN
hi-230	31	15	of	of	ADP
hi-230	31	16	rp700	rp700	PROPN
hi-230	31	17	trillion	trillion	NUM
hi-230	31	18	only	only	ADV
hi-230	31	19	,	,	PUNCT
hi-230	31	20	so	so	SCONJ
hi-230	31	21	that	that	SCONJ
hi-230	31	22	there	there	PRON
hi-230	31	23	are	be	VERB
hi-230	31	24	still	still	ADV
hi-230	31	25	many	many	ADJ
hi-230	31	26	remaining	remain	VERB
hi-230	31	27	amounts	amount	NOUN
hi-230	31	28	to	to	PART
hi-230	31	29	be	be	AUX
hi-230	31	30	fulfilled	fulfil	VERB
hi-230	31	31	.	.	PUNCT
hi-230	32	1	meanwhile	meanwhile	ADV
hi-230	32	2	,	,	PUNCT
hi-230	32	3	the	the	DET
hi-230	32	4	research	research	NOUN
hi-230	32	5	result	result	NOUN
hi-230	32	6	of	of	ADP
hi-230	32	7	the	the	DET
hi-230	32	8	ministry	ministry	PROPN
hi-230	32	9	of	of	ADP
hi-230	32	10	cooperatives	cooperative	NOUN
hi-230	32	11	and	and	CCONJ
hi-230	32	12	small	small	ADJ
hi-230	32	13	business	business	NOUN
hi-230	32	14	(	(	PUNCT
hi-230	32	15	ukm	ukm	PROPN
hi-230	32	16	)	)	PUNCT
hi-230	32	17	at	at	ADP
hi-230	32	18	the	the	DET
hi-230	32	19	end	end	NOUN
hi-230	32	20	of	of	ADP
hi-230	32	21	2017	2017	NUM
hi-230	32	22	showed	show	VERB
hi-230	32	23	,	,	PUNCT
hi-230	32	24	the	the	DET
hi-230	32	25	number	number	NOUN
hi-230	32	26	of	of	ADP
hi-230	32	27	msmmb	msmmb	NOUN
hi-230	32	28	in	in	ADP
hi-230	32	29	indonesia	indonesia	PROPN
hi-230	32	30	as	as	ADV
hi-230	32	31	much	much	ADV
hi-230	32	32	as	as	ADP
hi-230	32	33	59.2	59.2	NUM
hi-230	32	34	million	million	NUM
hi-230	32	35	and	and	CCONJ
hi-230	32	36	as	as	ADV
hi-230	32	37	many	many	ADJ
hi-230	32	38	as	as	ADP
hi-230	32	39	3.79	3.79	NUM
hi-230	32	40	million	million	NUM
hi-230	32	41	from	from	ADP
hi-230	32	42	the	the	DET
hi-230	32	43	overall	overall	ADJ
hi-230	32	44	results	result	NOUN
hi-230	32	45	are	be	AUX
hi-230	32	46	already	already	ADV
hi-230	32	47	plunged	plunge	VERB
hi-230	32	48	into	into	ADP
hi-230	32	49	online	online	NOUN
hi-230	32	50	.	.	PUNCT
hi-230	33	1	ukm	ukm	PROPN
hi-230	33	2	's	's	PART
hi-230	33	3	kemenkop	kemenkop	NOUN
hi-230	33	4	also	also	ADV
hi-230	33	5	hopes	hope	VERB
hi-230	33	6	to	to	PART
hi-230	33	7	reach	reach	VERB
hi-230	33	8	the	the	DET
hi-230	33	9	target	target	NOUN
hi-230	33	10	of	of	ADP
hi-230	33	11	8	8	NUM
hi-230	33	12	million	million	NUM
hi-230	33	13	smmb	smmb	NOUN
hi-230	33	14	online	online	ADV
hi-230	33	15	in	in	ADP
hi-230	33	16	2019	2019	NUM
hi-230	33	17	.	.	PUNCT
hi-230	34	1	of	of	ADP
hi-230	34	2	these	these	DET
hi-230	34	3	two	two	NUM
hi-230	34	4	data	datum	NOUN
hi-230	34	5	is	be	AUX
hi-230	34	6	proof	proof	NOUN
hi-230	34	7	that	that	SCONJ
hi-230	34	8	with	with	ADP
hi-230	34	9	the	the	DET
hi-230	34	10	online	online	ADJ
hi-230	34	11	loans	loan	NOUN
hi-230	34	12	based	base	VERB
hi-230	34	13	on	on	ADP
hi-230	34	14	fintech	fintech	NOUN
hi-230	34	15	peer	peer	NOUN
hi-230	34	16	to	to	ADP
hi-230	34	17	peer	peer	NOUN
hi-230	34	18	lending	lending	NOUN
hi-230	34	19	or	or	CCONJ
hi-230	34	20	p2p	p2p	NOUN
hi-230	34	21	lending	lending	NOUN
hi-230	34	22	which	which	PRON
hi-230	34	23	is	be	AUX
hi-230	34	24	currently	currently	ADV
hi-230	34	25	mushed	mush	VERB
hi-230	34	26	in	in	ADP
hi-230	34	27	indonesia	indonesia	PROPN
hi-230	34	28	is	be	AUX
hi-230	34	29	very	very	ADV
hi-230	34	30	helpful	helpful	ADJ
hi-230	34	31	to	to	PART
hi-230	34	32	develop	develop	VERB
hi-230	34	33	smmb	smmb	NOUN
hi-230	34	34	business	business	NOUN
hi-230	34	35	,	,	PUNCT
hi-230	34	36	so	so	SCONJ
hi-230	34	37	that	that	SCONJ
hi-230	34	38	it	it	PRON
hi-230	34	39	can	can	AUX
hi-230	34	40	be	be	AUX
hi-230	34	41	more	more	ADV
hi-230	34	42	advanced	advanced	ADJ
hi-230	34	43	,	,	PUNCT
hi-230	34	44	develop	develop	VERB
hi-230	34	45	and	and	CCONJ
hi-230	34	46	bring	bring	VERB
hi-230	34	47	a	a	DET
hi-230	34	48	large	large	ADJ
hi-230	34	49	turn	turn	NOUN
hi-230	34	50	over	over	ADP
hi-230	34	51	.	.	PUNCT
hi-230	35	1	that	that	DET
hi-230	35	2	way	way	NOUN
hi-230	35	3	,	,	PUNCT
hi-230	35	4	it	it	PRON
hi-230	35	5	will	will	AUX
hi-230	35	6	automatically	automatically	ADV
hi-230	35	7	increase	increase	VERB
hi-230	35	8	the	the	DET
hi-230	35	9	country	country	NOUN
hi-230	35	10	's	's	PART
hi-230	35	11	economy	economy	NOUN
hi-230	35	12	level	level	NOUN
hi-230	35	13	.	.	PUNCT
hi-230	36	1	(	(	PUNCT
hi-230	36	2	bernik	bernik	NOUN
hi-230	36	3	,	,	PUNCT
hi-230	36	4	azis	azi	NOUN
hi-230	36	5	,	,	PUNCT
hi-230	36	6	kartini	kartini	NOUN
hi-230	36	7	,	,	PUNCT
hi-230	36	8	&	&	CCONJ
hi-230	36	9	harsanto	harsanto	NOUN
hi-230	36	10	,	,	PUNCT
hi-230	36	11	2015	2015	NUM
hi-230	36	12	;	;	PUNCT
hi-230	36	13	pasha	pasha	PROPN
hi-230	36	14	,	,	PUNCT
hi-230	36	15	2018	2018	NUM
hi-230	36	16	)	)	PUNCT
hi-230	36	17	the	the	DET
hi-230	36	18	implementation	implementation	NOUN
hi-230	36	19	of	of	ADP
hi-230	36	20	financial	financial	ADJ
hi-230	36	21	technology	technology	NOUN
hi-230	36	22	is	be	AUX
hi-230	36	23	expected	expect	VERB
hi-230	36	24	to	to	PART
hi-230	36	25	play	play	VERB
hi-230	36	26	an	an	DET
hi-230	36	27	active	active	ADJ
hi-230	36	28	role	role	NOUN
hi-230	36	29	to	to	PART
hi-230	36	30	reach	reach	VERB
hi-230	36	31	every	every	DET
hi-230	36	32	element	element	NOUN
hi-230	36	33	of	of	ADP
hi-230	36	34	society	society	NOUN
hi-230	36	35	,	,	PUNCT
hi-230	36	36	especially	especially	ADV
hi-230	36	37	people	people	NOUN
hi-230	36	38	in	in	ADP
hi-230	36	39	3	3	NUM
hi-230	36	40	area	area	NOUN
hi-230	36	41	(	(	PUNCT
hi-230	36	42	forefront	forefront	NOUN
hi-230	36	43	,	,	PUNCT
hi-230	36	44	outer	outer	ADJ
hi-230	36	45	,	,	PUNCT
hi-230	36	46	and	and	CCONJ
hi-230	36	47	desolater	desolater	ADV
hi-230	36	48	)	)	PUNCT
hi-230	36	49	who	who	PRON
hi-230	36	50	still	still	ADV
hi-230	36	51	have	have	AUX
hi-230	36	52	not	not	PART
hi-230	36	53	access	access	VERB
hi-230	36	54	the	the	DET
hi-230	36	55	branch	branch	NOUN
hi-230	36	56	office	office	NOUN
hi-230	36	57	presence	presence	NOUN
hi-230	36	58	of	of	ADP
hi-230	36	59	banking	banking	NOUN
hi-230	36	60	institutions	institution	NOUN
hi-230	36	61	.	.	PUNCT
hi-230	37	1	but	but	CCONJ
hi-230	37	2	the	the	DET
hi-230	37	3	development	development	NOUN
hi-230	37	4	of	of	ADP
hi-230	37	5	financial	financial	ADJ
hi-230	37	6	technology	technology	NOUN
hi-230	37	7	peer	peer	NOUN
hi-230	37	8	to	to	ADP
hi-230	37	9	peer	peer	NOUN
hi-230	37	10	lending	lending	NOUN
hi-230	37	11	is	be	AUX
hi-230	37	12	not	not	PART
hi-230	37	13	followed	follow	VERB
hi-230	37	14	by	by	ADP
hi-230	37	15	an	an	DET
hi-230	37	16	increase	increase	NOUN
hi-230	37	17	in	in	ADP
hi-230	37	18	the	the	DET
hi-230	37	19	understanding	understanding	NOUN
hi-230	37	20	of	of	ADP
hi-230	37	21	the	the	DET
hi-230	37	22	community	community	NOUN
hi-230	37	23	,	,	PUNCT
hi-230	37	24	where	where	SCONJ
hi-230	37	25	as	as	SCONJ
hi-230	37	26	the	the	DET
hi-230	37	27	service	service	NOUN
hi-230	37	28	targets	target	VERB
hi-230	37	29	the	the	DET
hi-230	37	30	underserved	underserved	ADJ
hi-230	37	31	segment	segment	NOUN
hi-230	37	32	that	that	PRON
hi-230	37	33	is	be	AUX
hi-230	37	34	the	the	DET
hi-230	37	35	society	society	NOUN
hi-230	37	36	that	that	PRON
hi-230	37	37	needs	need	VERB
hi-230	37	38	funds	fund	NOUN
hi-230	37	39	in	in	ADP
hi-230	37	40	the	the	DET
hi-230	37	41	amount	amount	NOUN
hi-230	37	42	of	of	ADP
hi-230	37	43	small	small	ADJ
hi-230	37	44	in	in	ADP
hi-230	37	45	a	a	DET
hi-230	37	46	short	short	ADJ
hi-230	37	47	time	time	NOUN
hi-230	37	48	,	,	PUNCT
hi-230	37	49	in	in	ADP
hi-230	37	50	addition	addition	NOUN
hi-230	37	51	,	,	PUNCT
hi-230	37	52	the	the	DET
hi-230	37	53	process	process	NOUN
hi-230	37	54	of	of	ADP
hi-230	37	55	financing	financing	NOUN
hi-230	37	56	submission	submission	NOUN
hi-230	37	57	in	in	ADP
hi-230	37	58	peer	peer	NOUN
hi-230	37	59	to	to	ADP
hi-230	37	60	peer	peer	NOUN
hi-230	37	61	lending	lending	NOUN
hi-230	37	62	makes	make	VERB
hi-230	37	63	it	it	PRON
hi-230	37	64	easier	easy	ADJ
hi-230	37	65	for	for	ADP
hi-230	37	66	people	people	NOUN
hi-230	37	67	who	who	PRON
hi-230	37	68	can	can	AUX
hi-230	37	69	not	not	PART
hi-230	37	70	access	access	VERB
hi-230	37	71	banking	banking	NOUN
hi-230	37	72	services	service	NOUN
hi-230	37	73	because	because	SCONJ
hi-230	37	74	it	it	PRON
hi-230	37	75	has	have	VERB
hi-230	37	76	no	no	DET
hi-230	37	77	guarantee	guarantee	NOUN
hi-230	37	78	,	,	PUNCT
hi-230	37	79	resulting	result	VERB
hi-230	37	80	in	in	ADP
hi-230	37	81	a	a	DET
hi-230	37	82	lot	lot	NOUN
hi-230	37	83	of	of	ADP
hi-230	37	84	people	people	NOUN
hi-230	37	85	stuck	stick	VERB
hi-230	37	86	problems	problem	NOUN
hi-230	37	87	in	in	ADP
hi-230	37	88	credit	credit	NOUN
hi-230	37	89	online	online	NOUN
hi-230	37	90	.	.	PUNCT
hi-230	38	1	based	base	VERB
hi-230	38	2	on	on	ADP
hi-230	38	3	the	the	DET
hi-230	38	4	research	research	NOUN
hi-230	38	5	(	(	PUNCT
hi-230	38	6	paulino	paulino	PROPN
hi-230	38	7	,	,	PUNCT
hi-230	38	8	gatpandan	gatpandan	ADJ
hi-230	38	9	,	,	PUNCT
hi-230	38	10	rosas	rosa	NOUN
hi-230	38	11	,	,	PUNCT
hi-230	38	12	&	&	CCONJ
hi-230	38	13	daniel	daniel	PROPN
hi-230	38	14	,	,	PUNCT
hi-230	38	15	2017	2017	NUM
hi-230	38	16	;	;	PUNCT
hi-230	38	17	wijayanti	wijayanti	NOUN
hi-230	38	18	,	,	PUNCT
hi-230	38	19	2018	2018	NUM
hi-230	38	20	)	)	PUNCT
hi-230	38	21	that	that	SCONJ
hi-230	38	22	this	this	DET
hi-230	38	23	practice	practice	NOUN
hi-230	38	24	still	still	ADV
hi-230	38	25	considered	consider	VERB
hi-230	38	26	to	to	PART
hi-230	38	27	be	be	AUX
hi-230	38	28	there	there	ADV
hi-230	38	29	are	be	AUX
hi-230	38	30	many	many	ADJ
hi-230	38	31	of	of	ADP
hi-230	38	32	the	the	DET
hi-230	38	33	most	most	ADJ
hi-230	38	34	of	of	ADP
hi-230	38	35	them	they	PRON
hi-230	38	36	as	as	SCONJ
hi-230	38	37	follows	follow	VERB
hi-230	38	38	(	(	PUNCT
hi-230	38	39	1	1	X
hi-230	38	40	)	)	PUNCT
hi-230	38	41	the	the	DET
hi-230	38	42	implementation	implementation	NOUN
hi-230	38	43	of	of	ADP
hi-230	38	44	community	community	NOUN
hi-230	38	45	activities	activity	NOUN
hi-230	38	46	and	and	CCONJ
hi-230	38	47	loan	loan	NOUN
hi-230	38	48	borrow	borrow	AUX
hi-230	38	49	done	do	VERB
hi-230	38	50	by	by	ADP
hi-230	38	51	the	the	DET
hi-230	38	52	parties	party	NOUN
hi-230	38	53	already	already	ADV
hi-230	38	54	know	know	VERB
hi-230	38	55	each	each	DET
hi-230	38	56	other	other	ADJ
hi-230	38	57	and	and	CCONJ
hi-230	38	58	should	should	AUX
hi-230	38	59	not	not	PART
hi-230	38	60	be	be	AUX
hi-230	38	61	face	face	NOUN
hi-230	38	62	to	to	ADP
hi-230	38	63	face	face	NOUN
hi-230	38	64	;	;	PUNCT
hi-230	38	65	(	(	PUNCT
hi-230	38	66	2	2	X
hi-230	38	67	)	)	PUNCT
hi-230	38	68	of	of	ADP
hi-230	38	69	subjectivity	subjectivity	NOUN
hi-230	38	70	risk	risk	NOUN
hi-230	38	71	analysis	analysis	NOUN
hi-230	38	72	failed	fail	VERB
hi-230	38	73	to	to	PART
hi-230	38	74	have	have	AUX
hi-230	38	75	spent	spend	VERB
hi-230	38	76	difficulties	difficulty	NOUN
hi-230	38	77	in	in	ADP
hi-230	38	78	fee	fee	NOUN
hi-230	38	79	collection	collection	NOUN
hi-230	38	80	of	of	ADP
hi-230	38	81	;	;	PUNCT
hi-230	38	82	(	(	PUNCT
hi-230	38	83	4	4	X
hi-230	38	84	)	)	PUNCT
hi-230	38	85	systematic	systematic	ADJ
hi-230	38	86	recording	recording	NOUN
hi-230	38	87	acquittance	acquittance	NOUN
hi-230	38	88	;	;	PUNCT
hi-230	38	89	(	(	PUNCT
hi-230	38	90	5	5	X
hi-230	38	91	)	)	PUNCT
hi-230	38	92	failure	failure	NOUN
hi-230	38	93	system	system	NOUN
hi-230	38	94	used	use	VERB
hi-230	38	95	by	by	ADP
hi-230	38	96	the	the	DET
hi-230	38	97	organizers	organizer	NOUN
hi-230	38	98	;	;	PUNCT
hi-230	38	99	(	(	PUNCT
hi-230	38	100	6	6	X
hi-230	38	101	)	)	PUNCT
hi-230	38	102	misinformation	misinformation	NOUN
hi-230	38	103	because	because	SCONJ
hi-230	38	104	the	the	DET
hi-230	38	105	absence	absence	NOUN
hi-230	38	106	of	of	ADP
hi-230	38	107	direct	direct	ADJ
hi-230	38	108	verification	verification	NOUN
hi-230	38	109	(	(	PUNCT
hi-230	38	110	7	7	X
hi-230	38	111	)	)	PUNCT
hi-230	38	112	the	the	DET
hi-230	38	113	mistake	mistake	NOUN
hi-230	38	114	of	of	ADP
hi-230	38	115	transactions	transaction	NOUN
hi-230	38	116	.	.	PUNCT
hi-230	39	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	39	2	hamdard	hamdard	ADJ
hi-230	39	3	islamicus	islamicus	PROPN
hi-230	39	4	,	,	PUNCT
hi-230	39	5	vol	vol	NOUN
hi-230	39	6	.	.	PROPN
hi-230	40	1	43	43	NUM
hi-230	40	2	no	no	NOUN
hi-230	40	3	.	.	PUNCT
hi-230	40	4	s.2	s.2	X
hi-230	40	5	(	(	PUNCT
hi-230	40	6	2020	2020	NUM
hi-230	40	7	)	)	PUNCT
hi-230	40	8	,	,	PUNCT
hi-230	40	9	850	850	NUM
hi-230	40	10	861	861	NUM
hi-230	40	11	852	852	NUM
hi-230	40	12	issn	issn	X
hi-230	40	13	:	:	PUNCT
hi-230	40	14	0250	0250	NUM
hi-230	40	15	the	the	DET
hi-230	40	16	indonesian	indonesian	ADJ
hi-230	40	17	consumer	consumer	NOUN
hi-230	40	18	institution	institution	NOUN
hi-230	40	19	foundation	foundation	PROPN
hi-230	40	20	(	(	PUNCT
hi-230	40	21	ylki	ylki	PROPN
hi-230	40	22	)	)	PUNCT
hi-230	40	23	,	,	PUNCT
hi-230	40	24	since	since	SCONJ
hi-230	40	25	january	january	PROPN
hi-230	40	26	2018	2018	NUM
hi-230	40	27	has	have	AUX
hi-230	40	28	recorded	record	VERB
hi-230	40	29	50	50	NUM
hi-230	40	30	more	more	ADJ
hi-230	40	31	complaints	complaint	NOUN
hi-230	40	32	against	against	ADP
hi-230	40	33	online	online	ADJ
hi-230	40	34	credit	credit	NOUN
hi-230	40	35	.	.	PUNCT
hi-230	41	1	the	the	DET
hi-230	41	2	jakarta	jakarta	PROPN
hi-230	41	3	legal	legal	PROPN
hi-230	41	4	aid	aid	NOUN
hi-230	41	5	institute	institute	NOUN
hi-230	41	6	(	(	PUNCT
hi-230	41	7	lbh	lbh	PROPN
hi-230	41	8	)	)	PUNCT
hi-230	41	9	announces	announce	VERB
hi-230	41	10	that	that	SCONJ
hi-230	41	11	there	there	PRON
hi-230	41	12	are	be	VERB
hi-230	41	13	1,330	1,330	NUM
hi-230	41	14	entry	entry	NOUN
hi-230	41	15	reports	report	NOUN
hi-230	41	16	from	from	ADP
hi-230	41	17	victims	victim	NOUN
hi-230	41	18	of	of	ADP
hi-230	41	19	the	the	DET
hi-230	41	20	financial	financial	ADJ
hi-230	41	21	technology	technology	NOUN
hi-230	41	22	(	(	PUNCT
hi-230	41	23	fintech	fintech	NOUN
hi-230	41	24	)	)	PUNCT
hi-230	41	25	peer	peer	NOUN
hi-230	41	26	to	to	ADP
hi-230	41	27	peer	peer	NOUN
hi-230	41	28	lending	lending	NOUN
hi-230	41	29	service	service	NOUN
hi-230	41	30	or	or	CCONJ
hi-230	41	31	more	more	ADV
hi-230	41	32	popular	popular	ADJ
hi-230	41	33	with	with	ADP
hi-230	41	34	online	online	ADJ
hi-230	41	35	credit	credit	NOUN
hi-230	41	36	names	name	NOUN
hi-230	41	37	or	or	CCONJ
hi-230	41	38	'	'	PUNCT
hi-230	41	39	online	online	ADJ
hi-230	41	40	moneyness	moneyness	NOUN
hi-230	41	41	'	'	PUNCT
hi-230	41	42	.	.	PUNCT
hi-230	42	1	this	this	DET
hi-230	42	2	complaint	complaint	NOUN
hi-230	42	3	starts	start	VERB
hi-230	42	4	from	from	ADP
hi-230	42	5	billing	billing	NOUN
hi-230	42	6	,	,	PUNCT
hi-230	42	7	interest	interest	NOUN
hi-230	42	8	calculation	calculation	NOUN
hi-230	42	9	system	system	NOUN
hi-230	42	10	,	,	PUNCT
hi-230	42	11	and	and	CCONJ
hi-230	42	12	fines	fine	NOUN
hi-230	42	13	that	that	PRON
hi-230	42	14	are	be	AUX
hi-230	42	15	deemed	deem	VERB
hi-230	42	16	to	to	PART
hi-230	42	17	be	be	AUX
hi-230	42	18	less	less	ADV
hi-230	42	19	obvious	obvious	ADJ
hi-230	42	20	.	.	PUNCT
hi-230	43	1	in	in	ADP
hi-230	43	2	fact	fact	NOUN
hi-230	43	3	,	,	PUNCT
hi-230	43	4	not	not	PART
hi-230	43	5	a	a	DET
hi-230	43	6	few	few	ADJ
hi-230	43	7	consumers	consumer	NOUN
hi-230	43	8	claim	claim	VERB
hi-230	43	9	to	to	PART
hi-230	43	10	be	be	AUX
hi-230	43	11	billed	bill	VERB
hi-230	43	12	by	by	ADP
hi-230	43	13	the	the	DET
hi-230	43	14	institution	institution	NOUN
hi-230	43	15	that	that	PRON
hi-230	43	16	gives	give	VERB
hi-230	43	17	the	the	DET
hi-230	43	18	fintech	fintech	NOUN
hi-230	43	19	where	where	SCONJ
hi-230	43	20	they	they	PRON
hi-230	43	21	apply	apply	VERB
hi-230	43	22	for	for	ADP
hi-230	43	23	loans	loan	NOUN
hi-230	43	24	with	with	ADP
hi-230	43	25	actions	action	NOUN
hi-230	43	26	that	that	PRON
hi-230	43	27	violate	violate	VERB
hi-230	43	28	the	the	DET
hi-230	43	29	rights	right	NOUN
hi-230	43	30	of	of	ADP
hi-230	43	31	consumers	consumer	NOUN
hi-230	43	32	.	.	PUNCT
hi-230	44	1	financial	financial	ADJ
hi-230	44	2	services	services	PROPN
hi-230	44	3	authority	authority	NOUN
hi-230	44	4	data	datum	NOUN
hi-230	44	5	mentions	mention	NOUN
hi-230	44	6	until	until	ADP
hi-230	44	7	december	december	PROPN
hi-230	44	8	2018	2018	NUM
hi-230	44	9	fintech	fintech	NOUN
hi-230	44	10	online	online	NOUN
hi-230	44	11	credits	credit	NOUN
hi-230	44	12	already	already	ADV
hi-230	44	13	registered	register	VERB
hi-230	44	14	with	with	ADP
hi-230	44	15	the	the	DET
hi-230	44	16	financial	financial	ADJ
hi-230	44	17	services	service	NOUN
hi-230	44	18	authority	authority	NOUN
hi-230	44	19	as	as	ADV
hi-230	44	20	much	much	ADJ
hi-230	44	21	as	as	ADP
hi-230	44	22	78	78	NUM
hi-230	44	23	their	their	PRON
hi-230	44	24	organizers	organizer	NOUN
hi-230	44	25	are	be	AUX
hi-230	44	26	subject	subject	ADJ
hi-230	44	27	to	to	ADP
hi-230	44	28	the	the	DET
hi-230	44	29	rules	rule	NOUN
hi-230	44	30	made	make	VERB
hi-230	44	31	by	by	ADP
hi-230	44	32	the	the	DET
hi-230	44	33	regulator	regulator	NOUN
hi-230	44	34	.	.	PUNCT
hi-230	45	1	the	the	DET
hi-230	45	2	financial	financial	PROPN
hi-230	45	3	services	service	NOUN
hi-230	45	4	authority	authority	NOUN
hi-230	45	5	and	and	CCONJ
hi-230	45	6	the	the	DET
hi-230	45	7	investment	investment	NOUN
hi-230	45	8	alert	alert	NOUN
hi-230	45	9	task	task	NOUN
hi-230	45	10	force	force	NOUN
hi-230	45	11	have	have	AUX
hi-230	45	12	managed	manage	VERB
hi-230	45	13	to	to	PART
hi-230	45	14	block	block	VERB
hi-230	45	15	the	the	DET
hi-230	45	16	404	404	NUM
hi-230	45	17	fintech	fintech	NOUN
hi-230	45	18	-	-	PUNCT
hi-230	45	19	fake	fake	NOUN
hi-230	45	20	until	until	ADP
hi-230	45	21	october	october	PROPN
hi-230	45	22	.	.	PUNCT
hi-230	46	1	this	this	PRON
hi-230	46	2	means	mean	VERB
hi-230	46	3	that	that	SCONJ
hi-230	46	4	the	the	DET
hi-230	46	5	amount	amount	NOUN
hi-230	46	6	of	of	ADP
hi-230	46	7	illegal	illegal	ADJ
hi-230	46	8	fintech	fintech	NOUN
hi-230	46	9	is	be	AUX
hi-230	46	10	far	far	ADV
hi-230	46	11	more	more	ADJ
hi-230	46	12	than	than	ADP
hi-230	46	13	the	the	DET
hi-230	46	14	one	one	NOUN
hi-230	46	15	that	that	PRON
hi-230	46	16	is	be	AUX
hi-230	46	17	completely	completely	ADV
hi-230	46	18	secure	secure	ADJ
hi-230	46	19	and	and	CCONJ
hi-230	46	20	registered	register	VERB
hi-230	46	21	with	with	ADP
hi-230	46	22	the	the	DET
hi-230	46	23	financial	financial	ADJ
hi-230	46	24	services	service	NOUN
hi-230	46	25	authority	authority	NOUN
hi-230	46	26	.	.	PUNCT
hi-230	47	1	legal	legal	ADJ
hi-230	47	2	aid	aid	NOUN
hi-230	47	3	institute	institute	NOUN
hi-230	47	4	in	in	ADP
hi-230	47	5	jakarta	jakarta	PROPN
hi-230	47	6	open	open	VERB
hi-230	47	7	a	a	DET
hi-230	47	8	post	post	NOUN
hi-230	47	9	for	for	ADP
hi-230	47	10	victims	victim	NOUN
hi-230	47	11	of	of	ADP
hi-230	47	12	a	a	DET
hi-230	47	13	peer	peer	NOUN
hi-230	47	14	to	to	ADP
hi-230	47	15	peer	peer	NOUN
hi-230	47	16	fintech	fintech	NOUN
hi-230	47	17	complaints	complaint	NOUN
hi-230	47	18	because	because	SCONJ
hi-230	47	19	it	it	PRON
hi-230	47	20	feels	feel	VERB
hi-230	47	21	that	that	SCONJ
hi-230	47	22	p2p	p2p	NOUN
hi-230	47	23	does	do	AUX
hi-230	47	24	not	not	PART
hi-230	47	25	have	have	VERB
hi-230	47	26	enough	enough	ADJ
hi-230	47	27	rules	rule	NOUN
hi-230	47	28	to	to	PART
hi-230	47	29	protect	protect	VERB
hi-230	47	30	the	the	DET
hi-230	47	31	users	user	NOUN
hi-230	47	32	of	of	ADP
hi-230	47	33	online	online	ADJ
hi-230	47	34	lending	lending	NOUN
hi-230	47	35	applications	application	NOUN
hi-230	47	36	,	,	PUNCT
hi-230	47	37	because	because	SCONJ
hi-230	47	38	many	many	ADJ
hi-230	47	39	people	people	NOUN
hi-230	47	40	are	be	AUX
hi-230	47	41	stuck	stick	VERB
hi-230	47	42	with	with	ADP
hi-230	47	43	fintech	fintech	NOUN
hi-230	47	44	peer	peer	NOUN
hi-230	47	45	to	to	ADP
hi-230	47	46	peer	peer	NOUN
hi-230	47	47	lending	lending	NOUN
hi-230	47	48	.	.	PUNCT
hi-230	48	1	they	they	PRON
hi-230	48	2	are	be	AUX
hi-230	48	3	p2p	p2p	NOUN
hi-230	48	4	users	user	NOUN
hi-230	48	5	feel	feel	VERB
hi-230	48	6	safe	safe	ADJ
hi-230	48	7	at	at	ADP
hi-230	48	8	the	the	DET
hi-230	48	9	beginning	beginning	NOUN
hi-230	48	10	and	and	CCONJ
hi-230	48	11	when	when	SCONJ
hi-230	48	12	they	they	PRON
hi-230	48	13	are	be	AUX
hi-230	48	14	doing	do	VERB
hi-230	48	15	so	so	ADV
hi-230	48	16	is	be	AUX
hi-230	48	17	the	the	DET
hi-230	48	18	risk	risk	NOUN
hi-230	48	19	of	of	ADP
hi-230	48	20	the	the	DET
hi-230	48	21	unexpected	unexpected	ADJ
hi-230	48	22	.	.	PUNCT
hi-230	49	1	this	this	PRON
hi-230	49	2	is	be	AUX
hi-230	49	3	the	the	DET
hi-230	49	4	biggest	big	ADJ
hi-230	49	5	responsibility	responsibility	NOUN
hi-230	49	6	of	of	ADP
hi-230	49	7	ojk	ojk	NOUN
hi-230	49	8	that	that	PRON
hi-230	49	9	should	should	AUX
hi-230	49	10	be	be	AUX
hi-230	49	11	able	able	ADJ
hi-230	49	12	to	to	PART
hi-230	49	13	conduct	conduct	VERB
hi-230	49	14	early	early	ADJ
hi-230	49	15	detection	detection	NOUN
hi-230	49	16	of	of	ADP
hi-230	49	17	p2p	p2p	NOUN
hi-230	49	18	illegal	illegal	ADJ
hi-230	49	19	fintech	fintech	NOUN
hi-230	49	20	applications	application	NOUN
hi-230	49	21	,	,	PUNCT
hi-230	49	22	the	the	DET
hi-230	49	23	ending	ending	NOUN
hi-230	49	24	of	of	ADP
hi-230	49	25	financial	financial	ADJ
hi-230	49	26	literacy	literacy	NOUN
hi-230	49	27	feels	feel	VERB
hi-230	49	28	like	like	SCONJ
hi-230	49	29	supported	support	VERB
hi-230	49	30	with	with	ADP
hi-230	49	31	difficult	difficult	ADJ
hi-230	49	32	eradicate	eradicate	NOUN
hi-230	49	33	this	this	DET
hi-230	49	34	illegal	illegal	ADJ
hi-230	49	35	p2p	p2p	NOUN
hi-230	49	36	fintech	fintech	NOUN
hi-230	49	37	.	.	PUNCT
hi-230	50	1	based	base	VERB
hi-230	50	2	on	on	ADP
hi-230	50	3	the	the	DET
hi-230	50	4	explanation	explanation	NOUN
hi-230	50	5	above	above	ADV
hi-230	50	6	,	,	PUNCT
hi-230	50	7	the	the	DET
hi-230	50	8	problem	problem	NOUN
hi-230	50	9	that	that	PRON
hi-230	50	10	will	will	AUX
hi-230	50	11	be	be	AUX
hi-230	50	12	reviewed	review	VERB
hi-230	50	13	is	be	AUX
hi-230	50	14	,	,	PUNCT
hi-230	50	15	how	how	SCONJ
hi-230	50	16	is	be	AUX
hi-230	50	17	peer	peer	NOUN
hi-230	50	18	to	to	ADP
hi-230	50	19	peer	peer	NOUN
hi-230	50	20	lending	lending	NOUN
hi-230	50	21	financing	financing	NOUN
hi-230	50	22	process	process	NOUN
hi-230	50	23	,	,	PUNCT
hi-230	50	24	2	2	X
hi-230	50	25	)	)	PUNCT
hi-230	50	26	what	what	PRON
hi-230	50	27	is	be	AUX
hi-230	50	28	the	the	DET
hi-230	50	29	supervision	supervision	NOUN
hi-230	50	30	of	of	ADP
hi-230	50	31	financial	financial	ADJ
hi-230	50	32	services	service	NOUN
hi-230	50	33	authority	authority	NOUN
hi-230	50	34	on	on	ADP
hi-230	50	35	financial	financial	ADJ
hi-230	50	36	technology	technology	NOUN
hi-230	50	37	implementation	implementation	NOUN
hi-230	50	38	,	,	PUNCT
hi-230	50	39	and	and	CCONJ
hi-230	50	40	3	3	X
hi-230	50	41	)	)	PUNCT
hi-230	50	42	how	how	SCONJ
hi-230	50	43	is	be	AUX
hi-230	50	44	the	the	DET
hi-230	50	45	effectiveness	effectiveness	NOUN
hi-230	50	46	of	of	ADP
hi-230	50	47	financing	financing	NOUN
hi-230	50	48	through	through	ADP
hi-230	50	49	fintech	fintech	NOUN
hi-230	50	50	peer	peer	NOUN
hi-230	50	51	to	to	ADP
hi-230	50	52	peer	peer	NOUN
hi-230	50	53	lending	lending	NOUN
hi-230	50	54	in	in	ADP
hi-230	50	55	indonesia	indonesia	PROPN
hi-230	50	56	.	.	PUNCT
hi-230	51	1	2	2	X
hi-230	51	2	.	.	X
hi-230	51	3	research	research	NOUN
hi-230	51	4	materials	material	NOUN
hi-230	51	5	and	and	CCONJ
hi-230	51	6	method	method	VERB
hi-230	51	7	the	the	DET
hi-230	51	8	method	method	NOUN
hi-230	51	9	used	use	VERB
hi-230	51	10	is	be	AUX
hi-230	51	11	qualitative	qualitative	ADJ
hi-230	51	12	.	.	PUNCT
hi-230	52	1	according	accord	VERB
hi-230	52	2	to	to	ADP
hi-230	52	3	its	its	PRON
hi-230	52	4	nature	nature	NOUN
hi-230	52	5	,	,	PUNCT
hi-230	52	6	this	this	DET
hi-230	52	7	study	study	NOUN
hi-230	52	8	included	include	VERB
hi-230	52	9	descriptive	descriptive	ADJ
hi-230	52	10	research	research	NOUN
hi-230	52	11	describing	describe	VERB
hi-230	52	12	the	the	DET
hi-230	52	13	objects	object	NOUN
hi-230	52	14	to	to	PART
hi-230	52	15	be	be	AUX
hi-230	52	16	examined	examine	VERB
hi-230	52	17	.	.	PUNCT
hi-230	53	1	in	in	ADP
hi-230	53	2	achieving	achieve	VERB
hi-230	53	3	the	the	DET
hi-230	53	4	research	research	NOUN
hi-230	53	5	objectives	objective	NOUN
hi-230	53	6	,	,	PUNCT
hi-230	53	7	the	the	DET
hi-230	53	8	data	datum	NOUN
hi-230	53	9	related	relate	VERB
hi-230	53	10	to	to	ADP
hi-230	53	11	the	the	DET
hi-230	53	12	research	research	NOUN
hi-230	53	13	will	will	AUX
hi-230	53	14	be	be	AUX
hi-230	53	15	collected	collect	VERB
hi-230	53	16	and	and	CCONJ
hi-230	53	17	processed	process	VERB
hi-230	53	18	,	,	PUNCT
hi-230	53	19	so	so	SCONJ
hi-230	53	20	that	that	SCONJ
hi-230	53	21	it	it	PRON
hi-230	53	22	can	can	AUX
hi-230	53	23	be	be	AUX
hi-230	53	24	excavated	excavate	VERB
hi-230	53	25	the	the	DET
hi-230	53	26	effective	effective	ADJ
hi-230	53	27	information	information	NOUN
hi-230	53	28	or	or	CCONJ
hi-230	53	29	whether	whether	SCONJ
hi-230	53	30	the	the	DET
hi-230	53	31	financing	financing	NOUN
hi-230	53	32	through	through	ADP
hi-230	53	33	the	the	DET
hi-230	53	34	fintech	fintech	NOUN
hi-230	53	35	peer	peer	NOUN
hi-230	53	36	-	-	PUNCT
hi-230	53	37	to	to	ADP
hi-230	53	38	-	-	PUNCT
hi-230	53	39	peer	peer	NOUN
hi-230	53	40	-	-	PUNCT
hi-230	53	41	lending	lending	NOUN
hi-230	53	42	.	.	PUNCT
hi-230	54	1	the	the	DET
hi-230	54	2	data	data	NOUN
hi-230	54	3	source	source	NOUN
hi-230	54	4	used	use	VERB
hi-230	54	5	in	in	ADP
hi-230	54	6	this	this	DET
hi-230	54	7	research	research	NOUN
hi-230	54	8	is	be	AUX
hi-230	54	9	primary	primary	ADJ
hi-230	54	10	data	datum	NOUN
hi-230	54	11	which	which	PRON
hi-230	54	12	is	be	AUX
hi-230	54	13	the	the	DET
hi-230	54	14	data	datum	NOUN
hi-230	54	15	of	of	ADP
hi-230	54	16	interviews	interview	NOUN
hi-230	54	17	with	with	ADP
hi-230	54	18	umkm	umkm	NOUN
hi-230	54	19	who	who	PRON
hi-230	54	20	apply	apply	VERB
hi-230	54	21	for	for	ADP
hi-230	54	22	loans	loan	NOUN
hi-230	54	23	,	,	PUNCT
hi-230	54	24	while	while	SCONJ
hi-230	54	25	secondary	secondary	ADJ
hi-230	54	26	data	data	NOUN
hi-230	54	27	is	be	AUX
hi-230	54	28	the	the	DET
hi-230	54	29	financial	financial	ADJ
hi-230	54	30	statements	statement	NOUN
hi-230	54	31	and	and	CCONJ
hi-230	54	32	books	book	NOUN
hi-230	54	33	and	and	CCONJ
hi-230	54	34	journals	journal	NOUN
hi-230	54	35	related	relate	VERB
hi-230	54	36	to	to	ADP
hi-230	54	37	the	the	DET
hi-230	54	38	research	research	NOUN
hi-230	54	39	.	.	PUNCT
hi-230	55	1	data	datum	NOUN
hi-230	55	2	collection	collection	NOUN
hi-230	55	3	techniques	technique	NOUN
hi-230	55	4	through	through	ADP
hi-230	55	5	the	the	DET
hi-230	55	6	stage	stage	NOUN
hi-230	55	7	of	of	ADP
hi-230	55	8	observation	observation	NOUN
hi-230	55	9	of	of	ADP
hi-230	55	10	the	the	DET
hi-230	55	11	space	space	NOUN
hi-230	55	12	and	and	CCONJ
hi-230	55	13	interviews	interview	NOUN
hi-230	55	14	to	to	ADP
hi-230	55	15	speakers	speaker	NOUN
hi-230	55	16	and	and	CCONJ
hi-230	55	17	documented	document	VERB
hi-230	55	18	to	to	PART
hi-230	55	19	be	be	AUX
hi-230	55	20	used	use	VERB
hi-230	55	21	as	as	ADP
hi-230	55	22	research	research	NOUN
hi-230	55	23	data	datum	NOUN
hi-230	55	24	.	.	PUNCT
hi-230	56	1	3	3	X
hi-230	56	2	.	.	X
hi-230	56	3	result	result	NOUN
hi-230	56	4	and	and	CCONJ
hi-230	56	5	discussion	discussion	NOUN
hi-230	56	6	effectiveness	effectiveness	NOUN
hi-230	56	7	effectiveness	effectiveness	NOUN
hi-230	56	8	is	be	AUX
hi-230	56	9	a	a	DET
hi-230	56	10	measure	measure	NOUN
hi-230	56	11	that	that	PRON
hi-230	56	12	states	state	VERB
hi-230	56	13	how	how	SCONJ
hi-230	56	14	far	far	ADV
hi-230	56	15	the	the	DET
hi-230	56	16	target	target	NOUN
hi-230	56	17	(	(	PUNCT
hi-230	56	18	quantity	quantity	NOUN
hi-230	56	19	,	,	PUNCT
hi-230	56	20	quality	quality	NOUN
hi-230	56	21	and	and	CCONJ
hi-230	56	22	time	time	NOUN
hi-230	56	23	)	)	PUNCT
hi-230	56	24	has	have	AUX
hi-230	56	25	been	be	AUX
hi-230	56	26	achieved	achieve	VERB
hi-230	56	27	by	by	ADP
hi-230	56	28	management	management	NOUN
hi-230	56	29	,	,	PUNCT
hi-230	56	30	which	which	DET
hi-230	56	31	targets	target	NOUN
hi-230	56	32	are	be	AUX
hi-230	56	33	already	already	ADV
hi-230	56	34	determined	determine	VERB
hi-230	56	35	in	in	ADP
hi-230	56	36	advance	advance	NOUN
hi-230	56	37	.	.	PUNCT
hi-230	57	1	(	(	PUNCT
hi-230	57	2	damayanti	damayanti	PROPN
hi-230	57	3	,	,	PUNCT
hi-230	57	4	nurhasanah	nurhasanah	NOUN
hi-230	57	5	,	,	PUNCT
hi-230	57	6	&	&	CCONJ
hi-230	57	7	eprianti	eprianti	PROPN
hi-230	57	8	,	,	PUNCT
hi-230	57	9	2018	2018	NUM
hi-230	57	10	)	)	PUNCT
hi-230	58	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	58	2	hamdard	hamdard	ADJ
hi-230	58	3	islamicus	islamicus	NOUN
hi-230	58	4	,	,	PUNCT
hi-230	58	5	vol	vol	NOUN
hi-230	58	6	.	.	PROPN
hi-230	59	1	43	43	NUM
hi-230	59	2	no	no	NOUN
hi-230	59	3	.	.	PUNCT
hi-230	59	4	s.2	s.2	X
hi-230	59	5	(	(	PUNCT
hi-230	59	6	2020	2020	NUM
hi-230	59	7	)	)	PUNCT
hi-230	59	8	,	,	PUNCT
hi-230	59	9	850	850	NUM
hi-230	59	10	861	861	NUM
hi-230	59	11	853	853	NUM
hi-230	59	12	issn	issn	X
hi-230	59	13	:	:	PUNCT
hi-230	59	14	0250	0250	NUM
hi-230	59	15	the	the	DET
hi-230	59	16	sense	sense	NOUN
hi-230	59	17	of	of	ADP
hi-230	59	18	effectiveness	effectiveness	NOUN
hi-230	59	19	according	accord	VERB
hi-230	59	20	to	to	ADP
hi-230	59	21	the	the	DET
hi-230	59	22	english	english	ADJ
hi-230	59	23	dictionary	dictionary	NOUN
hi-230	59	24	is	be	AUX
hi-230	59	25	derived	derive	VERB
hi-230	59	26	from	from	ADP
hi-230	59	27	the	the	DET
hi-230	59	28	word	word	NOUN
hi-230	59	29	"	"	PUNCT
hi-230	59	30	effective	effective	ADJ
hi-230	59	31	"	"	PUNCT
hi-230	59	32	which	which	PRON
hi-230	59	33	means	mean	VERB
hi-230	59	34	effects	effect	NOUN
hi-230	59	35	,	,	PUNCT
hi-230	59	36	consequences	consequence	NOUN
hi-230	59	37	,	,	PUNCT
hi-230	59	38	influence	influence	NOUN
hi-230	59	39	or	or	CCONJ
hi-230	59	40	can	can	AUX
hi-230	59	41	bring	bring	VERB
hi-230	59	42	results	result	NOUN
hi-230	59	43	.	.	PUNCT
hi-230	60	1	in	in	ADP
hi-230	60	2	this	this	DET
hi-230	60	3	case	case	NOUN
hi-230	60	4	,	,	PUNCT
hi-230	60	5	the	the	DET
hi-230	60	6	effectiveness	effectiveness	NOUN
hi-230	60	7	of	of	ADP
hi-230	60	8	the	the	DET
hi-230	60	9	meaning	meaning	NOUN
hi-230	60	10	is	be	AUX
hi-230	60	11	the	the	DET
hi-230	60	12	result	result	NOUN
hi-230	60	13	obtained	obtain	VERB
hi-230	60	14	from	from	ADP
hi-230	60	15	the	the	DET
hi-230	60	16	use	use	NOUN
hi-230	60	17	of	of	ADP
hi-230	60	18	a	a	DET
hi-230	60	19	technology	technology	NOUN
hi-230	60	20	that	that	PRON
hi-230	60	21	is	be	AUX
hi-230	60	22	suitable	suitable	ADJ
hi-230	60	23	for	for	ADP
hi-230	60	24	its	its	PRON
hi-230	60	25	user	user	NOUN
hi-230	60	26	purpose	purpose	NOUN
hi-230	60	27	.	.	PUNCT
hi-230	61	1	(	(	PUNCT
hi-230	61	2	wildan	wildan	PROPN
hi-230	61	3	,	,	PUNCT
hi-230	61	4	2019	2019	NUM
hi-230	61	5	)	)	PUNCT
hi-230	61	6	financing	financing	NOUN
hi-230	61	7	financing	financing	NOUN
hi-230	61	8	is	be	AUX
hi-230	61	9	the	the	DET
hi-230	61	10	funding	funding	NOUN
hi-230	61	11	provided	provide	VERB
hi-230	61	12	by	by	ADP
hi-230	61	13	a	a	DET
hi-230	61	14	party	party	NOUN
hi-230	61	15	to	to	ADP
hi-230	61	16	other	other	ADJ
hi-230	61	17	parties	party	NOUN
hi-230	61	18	to	to	PART
hi-230	61	19	support	support	VERB
hi-230	61	20	the	the	DET
hi-230	61	21	planned	plan	VERB
hi-230	61	22	investments	investment	NOUN
hi-230	61	23	,	,	PUNCT
hi-230	61	24	both	both	PRON
hi-230	61	25	self	self	NOUN
hi-230	61	26	-	-	PUNCT
hi-230	61	27	made	make	VERB
hi-230	61	28	and	and	CCONJ
hi-230	61	29	institutions	institution	NOUN
hi-230	61	30	.	.	PUNCT
hi-230	62	1	(	(	PUNCT
hi-230	62	2	rianse	rianse	NOUN
hi-230	62	3	&	&	CCONJ
hi-230	62	4	abdi	abdi	PROPN
hi-230	62	5	,	,	PUNCT
hi-230	62	6	2009	2009	NUM
hi-230	62	7	)	)	PUNCT
hi-230	62	8	financing	financing	NOUN
hi-230	62	9	is	be	AUX
hi-230	62	10	the	the	DET
hi-230	62	11	provision	provision	NOUN
hi-230	62	12	of	of	ADP
hi-230	62	13	funds	fund	NOUN
hi-230	62	14	or	or	CCONJ
hi-230	62	15	bills	bill	NOUN
hi-230	62	16	likened	liken	VERB
hi-230	62	17	to	to	ADP
hi-230	62	18	it	it	PRON
hi-230	62	19	in	in	ADP
hi-230	62	20	the	the	DET
hi-230	62	21	form	form	NOUN
hi-230	62	22	:	:	PUNCT
hi-230	62	23	1	1	X
hi-230	62	24	.	.	X
hi-230	62	25	transactions	transaction	NOUN
hi-230	62	26	for	for	ADP
hi-230	62	27	results	result	NOUN
hi-230	62	28	in	in	ADP
hi-230	62	29	the	the	DET
hi-230	62	30	form	form	NOUN
hi-230	62	31	of	of	ADP
hi-230	62	32	mudharabah	mudharabah	NOUN
hi-230	62	33	and	and	CCONJ
hi-230	62	34	mutanaqisah	mutanaqisah	VERB
hi-230	62	35	2	2	NUM
hi-230	62	36	.	.	PUNCT
hi-230	62	37	transaction	transaction	NOUN
hi-230	62	38	tenancy	tenancy	NOUN
hi-230	62	39	in	in	ADP
hi-230	62	40	the	the	DET
hi-230	62	41	form	form	NOUN
hi-230	62	42	of	of	ADP
hi-230	62	43	ijarah	ijarah	NOUN
hi-230	62	44	or	or	CCONJ
hi-230	62	45	rent	rent	VERB
hi-230	62	46	a	a	DET
hi-230	62	47	purchase	purchase	NOUN
hi-230	62	48	in	in	ADP
hi-230	62	49	the	the	DET
hi-230	62	50	form	form	NOUN
hi-230	62	51	of	of	ADP
hi-230	62	52	ijarah	ijarah	PROPN
hi-230	62	53	muntahiya	muntahiya	NOUN
hi-230	62	54	bittamlik	bittamlik	NOUN
hi-230	62	55	3	3	X
hi-230	62	56	.	.	PUNCT
hi-230	62	57	buy	buy	VERB
hi-230	62	58	and	and	CCONJ
hi-230	62	59	sell	sell	VERB
hi-230	62	60	transactions	transaction	NOUN
hi-230	62	61	in	in	ADP
hi-230	62	62	the	the	DET
hi-230	62	63	form	form	NOUN
hi-230	62	64	of	of	ADP
hi-230	62	65	receivables	receivables	NOUN
hi-230	62	66	,	,	PUNCT
hi-230	62	67	greetings	greeting	NOUN
hi-230	62	68	,	,	PUNCT
hi-230	62	69	and	and	CCONJ
hi-230	62	70	istishna	istishna	NOUN
hi-230	62	71	'	'	PART
hi-230	62	72	4	4	NUM
hi-230	62	73	.	.	PUNCT
hi-230	62	74	loan	loan	NOUN
hi-230	62	75	transactions	transaction	NOUN
hi-230	62	76	borrowed	borrow	VERB
hi-230	62	77	in	in	ADP
hi-230	62	78	the	the	DET
hi-230	62	79	form	form	NOUN
hi-230	62	80	of	of	ADP
hi-230	62	81	receivables	receivables	NOUN
hi-230	62	82	qardh	qardh	NOUN
hi-230	62	83	;	;	PUNCT
hi-230	62	84	5	5	X
hi-230	62	85	.	.	X
hi-230	62	86	transaction	transaction	NOUN
hi-230	62	87	tenancy	tenancy	NOUN
hi-230	62	88	services	service	NOUN
hi-230	62	89	in	in	ADP
hi-230	62	90	the	the	DET
hi-230	62	91	form	form	NOUN
hi-230	62	92	of	of	ADP
hi-230	62	93	ijarah	ijarah	NOUN
hi-230	62	94	for	for	ADP
hi-230	62	95	multiservice	multiservice	NOUN
hi-230	62	96	transactions	transaction	NOUN
hi-230	62	97	based	base	VERB
hi-230	62	98	on	on	ADP
hi-230	62	99	agreement	agreement	NOUN
hi-230	62	100	between	between	ADP
hi-230	62	101	sharia	sharia	PROPN
hi-230	62	102	bank	bank	PROPN
hi-230	62	103	and/or	and/or	CCONJ
hi-230	62	104	uus	uus	PROPN
hi-230	62	105	and	and	CCONJ
hi-230	62	106	other	other	ADJ
hi-230	62	107	parties	party	NOUN
hi-230	62	108	requiring	require	VERB
hi-230	62	109	the	the	DET
hi-230	62	110	parties	party	NOUN
hi-230	62	111	to	to	PART
hi-230	62	112	be	be	AUX
hi-230	62	113	funded	fund	VERB
hi-230	62	114	and/or	and/or	CCONJ
hi-230	62	115	provided	provide	VERB
hi-230	62	116	with	with	ADP
hi-230	62	117	funds	fund	NOUN
hi-230	62	118	to	to	PART
hi-230	62	119	return	return	VERB
hi-230	62	120	the	the	DET
hi-230	62	121	funds	fund	NOUN
hi-230	62	122	after	after	ADP
hi-230	62	123	a	a	DET
hi-230	62	124	certain	certain	ADJ
hi-230	62	125	period	period	NOUN
hi-230	62	126	of	of	ADP
hi-230	62	127	time	time	NOUN
hi-230	62	128	in	in	ADP
hi-230	62	129	exchange	exchange	NOUN
hi-230	62	130	for	for	ADP
hi-230	62	131	,	,	PUNCT
hi-230	62	132	without	without	ADP
hi-230	62	133	rewards	reward	NOUN
hi-230	62	134	,	,	PUNCT
hi-230	62	135	or	or	CCONJ
hi-230	62	136	share	share	NOUN
hi-230	62	137	results	result	NOUN
hi-230	62	138	.	.	PUNCT
hi-230	63	1	(	(	PUNCT
hi-230	63	2	nurhabitoolbars	nurhabitoolbar	NOUN
hi-230	63	3	,	,	PUNCT
hi-230	63	4	nurhasanah	nurhasanah	NOUN
hi-230	63	5	,	,	PUNCT
hi-230	63	6	&	&	CCONJ
hi-230	63	7	eprianti	eprianti	PROPN
hi-230	63	8	,	,	PUNCT
hi-230	63	9	2018	2018	NUM
hi-230	63	10	)	)	PUNCT
hi-230	63	11	definition	definition	NOUN
hi-230	63	12	of	of	ADP
hi-230	63	13	small	small	ADJ
hi-230	63	14	entrepreneurs	entrepreneur	NOUN
hi-230	63	15	in	in	ADP
hi-230	63	16	economic	economic	ADJ
hi-230	63	17	literacy	literacy	NOUN
hi-230	63	18	,	,	PUNCT
hi-230	63	19	small	small	ADJ
hi-230	63	20	entrepreneurs	entrepreneur	NOUN
hi-230	63	21	are	be	AUX
hi-230	63	22	referred	refer	VERB
hi-230	63	23	to	to	ADP
hi-230	63	24	as	as	ADP
hi-230	63	25	small	small	ADJ
hi-230	63	26	medium	medium	ADJ
hi-230	63	27	entrepreneurs	entrepreneur	NOUN
hi-230	63	28	(	(	PUNCT
hi-230	63	29	pfis	pfis	NOUN
hi-230	63	30	)	)	PUNCT
hi-230	63	31	and	and	CCONJ
hi-230	63	32	business	business	NOUN
hi-230	63	33	activities	activity	NOUN
hi-230	63	34	called	call	VERB
hi-230	63	35	small	small	ADJ
hi-230	63	36	medium	medium	ADJ
hi-230	63	37	business	business	NOUN
hi-230	63	38	(	(	PUNCT
hi-230	63	39	smmb	smmb	NOUN
hi-230	63	40	)	)	PUNCT
hi-230	63	41	.	.	PUNCT
hi-230	64	1	as	as	ADP
hi-230	64	2	for	for	ADP
hi-230	64	3	the	the	DET
hi-230	64	4	understanding	understanding	NOUN
hi-230	64	5	of	of	ADP
hi-230	64	6	smmb	smmb	NOUN
hi-230	64	7	,	,	PUNCT
hi-230	64	8	the	the	DET
hi-230	64	9	following	follow	VERB
hi-230	64	10	will	will	AUX
hi-230	64	11	be	be	AUX
hi-230	64	12	described	describe	VERB
hi-230	64	13	several	several	ADJ
hi-230	64	14	definitions	definition	NOUN
hi-230	64	15	of	of	ADP
hi-230	64	16	smmb	smmb	NOUN
hi-230	64	17	,	,	PUNCT
hi-230	64	18	among	among	ADP
hi-230	64	19	others	other	NOUN
hi-230	64	20	are	be	AUX
hi-230	64	21	:	:	PUNCT
hi-230	64	22	(	(	PUNCT
hi-230	64	23	manurung	manurung	NOUN
hi-230	64	24	,	,	PUNCT
hi-230	64	25	2006	2006	NUM
hi-230	64	26	)	)	PUNCT
hi-230	64	27	a	a	X
hi-230	64	28	)	)	PUNCT
hi-230	64	29	according	accord	VERB
hi-230	64	30	to	to	ADP
hi-230	64	31	the	the	DET
hi-230	64	32	shovel	shovel	NOUN
hi-230	64	33	and	and	CCONJ
hi-230	64	34	sme	sme	NOUN
hi-230	64	35	,	,	PUNCT
hi-230	64	36	small	small	ADJ
hi-230	64	37	business	business	NOUN
hi-230	64	38	is	be	AUX
hi-230	64	39	a	a	DET
hi-230	64	40	business	business	NOUN
hi-230	64	41	entity	entity	NOUN
hi-230	64	42	owned	own	VERB
hi-230	64	43	by	by	ADP
hi-230	64	44	indonesian	indonesian	ADJ
hi-230	64	45	citizen	citizen	PROPN
hi-230	64	46	,	,	PUNCT
hi-230	64	47	both	both	PRON
hi-230	64	48	individual	individual	ADJ
hi-230	64	49	and	and	CCONJ
hi-230	64	50	legal	legal	ADJ
hi-230	64	51	who	who	PRON
hi-230	64	52	have	have	VERB
hi-230	64	53	net	net	ADJ
hi-230	64	54	worth	worth	NOUN
hi-230	64	55	of	of	ADP
hi-230	64	56	net	net	ADJ
hi-230	64	57	worth	worth	NOUN
hi-230	64	58	as	as	ADV
hi-230	64	59	much	much	ADV
hi-230	64	60	as	as	ADP
hi-230	64	61	rp	rp	NOUN
hi-230	64	62	.	.	PROPN
hi-230	65	1	200	200	NUM
hi-230	65	2	million	million	NUM
hi-230	65	3	or	or	CCONJ
hi-230	65	4	have	have	VERB
hi-230	65	5	a	a	DET
hi-230	65	6	sales	sale	NOUN
hi-230	65	7	result	result	NOUN
hi-230	65	8	of	of	ADP
hi-230	65	9	as	as	ADV
hi-230	65	10	much	much	ADJ
hi-230	65	11	as	as	ADP
hi-230	65	12	rp	rp	NOUN
hi-230	65	13	.	.	NOUN
hi-230	65	14	1	1	NUM
hi-230	65	15	milliard	milliard	X
hi-230	65	16	.	.	PUNCT
hi-230	66	1	b	b	X
hi-230	66	2	)	)	PUNCT
hi-230	66	3	according	accord	VERB
hi-230	66	4	to	to	ADP
hi-230	66	5	the	the	DET
hi-230	66	6	bps	bps	NOUN
hi-230	66	7	(	(	PUNCT
hi-230	66	8	statistics	statistics	PROPN
hi-230	66	9	central	central	ADJ
hi-230	66	10	agency	agency	NOUN
hi-230	66	11	)	)	PUNCT
hi-230	66	12	small	small	ADJ
hi-230	66	13	business	business	NOUN
hi-230	66	14	is	be	AUX
hi-230	66	15	a	a	DET
hi-230	66	16	company	company	NOUN
hi-230	66	17	that	that	PRON
hi-230	66	18	has	have	AUX
hi-230	66	19	tenakee	tenakee	VERB
hi-230	66	20	5	5	NUM
hi-230	66	21	-	-	SYM
hi-230	66	22	19	19	NUM
hi-230	66	23	,	,	PUNCT
hi-230	66	24	while	while	SCONJ
hi-230	66	25	micro	micro	ADJ
hi-230	66	26	enterprises	enterprise	NOUN
hi-230	66	27	between	between	ADP
hi-230	66	28	1	1	NUM
hi-230	66	29	-	-	SYM
hi-230	66	30	4	4	NUM
hi-230	66	31	org	org	ADJ
hi-230	66	32	,	,	PUNCT
hi-230	66	33	medium	medium	ADJ
hi-230	66	34	enterprises	enterprise	NOUN
hi-230	66	35	20	20	NUM
hi-230	66	36	-	-	SYM
hi-230	66	37	99	99	NUM
hi-230	66	38	people	people	NOUN
hi-230	66	39	and	and	CCONJ
hi-230	66	40	if	if	SCONJ
hi-230	66	41	more	more	ADJ
hi-230	66	42	so	so	ADV
hi-230	66	43	-	-	PUNCT
hi-230	66	44	called	call	VERB
hi-230	66	45	big	big	ADJ
hi-230	66	46	business	business	NOUN
hi-230	66	47	.	.	PUNCT
hi-230	67	1	while	while	SCONJ
hi-230	67	2	the	the	DET
hi-230	67	3	definition	definition	NOUN
hi-230	67	4	of	of	ADP
hi-230	67	5	medium	medium	ADJ
hi-230	67	6	enterprises	enterprise	NOUN
hi-230	67	7	,	,	PUNCT
hi-230	67	8	according	accord	VERB
hi-230	67	9	to	to	ADP
hi-230	67	10	,	,	PUNCT
hi-230	67	11	said	say	VERB
hi-230	67	12	:	:	PUNCT
hi-230	67	13	(	(	PUNCT
hi-230	67	14	manurung	manurung	NOUN
hi-230	67	15	,	,	PUNCT
hi-230	67	16	2006	2006	NUM
hi-230	67	17	)	)	PUNCT
hi-230	67	18	the	the	DET
hi-230	67	19	business	business	NOUN
hi-230	67	20	of	of	ADP
hi-230	67	21	the	the	DET
hi-230	67	22	people	people	NOUN
hi-230	67	23	who	who	PRON
hi-230	67	24	fulfil	fulfil	VERB
hi-230	67	25	the	the	DET
hi-230	67	26	criteria	criterion	NOUN
hi-230	67	27	is	be	AUX
hi-230	67	28	the	the	DET
hi-230	67	29	following	follow	VERB
hi-230	67	30	economic	economic	ADJ
hi-230	67	31	activities	activity	NOUN
hi-230	67	32	:	:	PUNCT
hi-230	67	33	c	c	X
hi-230	67	34	)	)	PUNCT
hi-230	67	35	business	business	NOUN
hi-230	67	36	that	that	PRON
hi-230	67	37	has	have	VERB
hi-230	67	38	a	a	DET
hi-230	67	39	net	net	ADJ
hi-230	67	40	worth	worth	NOUN
hi-230	67	41	greater	great	ADJ
hi-230	67	42	rp	rp	NOUN
hi-230	67	43	.	.	PROPN
hi-230	68	1	200	200	NUM
hi-230	68	2	million	million	NUM
hi-230	68	3	,	,	PUNCT
hi-230	68	4	-up	-up	NOUN
hi-230	68	5	to	to	ADP
hi-230	68	6	the	the	DET
hi-230	68	7	most	most	ADJ
hi-230	68	8	rp	rp	NOUN
hi-230	68	9	.	.	PROPN
hi-230	69	1	10	10	NUM
hi-230	69	2	billion	billion	NUM
hi-230	69	3	,	,	PUNCT
hi-230	69	4	excluding	exclude	VERB
hi-230	69	5	land	land	NOUN
hi-230	69	6	and	and	CCONJ
hi-230	69	7	business	business	NOUN
hi-230	69	8	buildings	building	NOUN
hi-230	69	9	.	.	PUNCT
hi-230	70	1	d	d	X
hi-230	70	2	)	)	PUNCT
hi-230	70	3	a	a	DET
hi-230	70	4	standalone	standalone	NOUN
hi-230	70	5	business	business	NOUN
hi-230	70	6	is	be	AUX
hi-230	70	7	not	not	PART
hi-230	70	8	a	a	DET
hi-230	70	9	subsidiary	subsidiary	NOUN
hi-230	70	10	or	or	CCONJ
hi-230	70	11	branch	branch	NOUN
hi-230	70	12	of	of	ADP
hi-230	70	13	a	a	DET
hi-230	70	14	company	company	NOUN
hi-230	70	15	owned	own	VERB
hi-230	70	16	,	,	PUNCT
hi-230	70	17	mastered	master	VERB
hi-230	70	18	or	or	CCONJ
hi-230	70	19	affiliated	affiliate	VERB
hi-230	70	20	,	,	PUNCT
hi-230	70	21	either	either	CCONJ
hi-230	70	22	directly	directly	ADV
hi-230	70	23	or	or	CCONJ
hi-230	70	24	indirectly	indirectly	ADV
hi-230	70	25	with	with	ADP
hi-230	70	26	medium	medium	ADJ
hi-230	70	27	or	or	CCONJ
hi-230	70	28	large	large	ADJ
hi-230	70	29	-	-	PUNCT
hi-230	70	30	scale	scale	NOUN
hi-230	70	31	business	business	NOUN
hi-230	70	32	.	.	PUNCT
hi-230	71	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	71	2	hamdard	hamdard	ADJ
hi-230	71	3	islamicus	islamicus	PROPN
hi-230	71	4	,	,	PUNCT
hi-230	71	5	vol	vol	NOUN
hi-230	71	6	.	.	PROPN
hi-230	72	1	43	43	NUM
hi-230	72	2	no	no	NOUN
hi-230	72	3	.	.	PUNCT
hi-230	72	4	s.2	s.2	X
hi-230	72	5	(	(	PUNCT
hi-230	72	6	2020	2020	NUM
hi-230	72	7	)	)	PUNCT
hi-230	72	8	,	,	PUNCT
hi-230	72	9	850	850	NUM
hi-230	72	10	861	861	NUM
hi-230	72	11	854	854	NUM
hi-230	72	12	issn	issn	PROPN
hi-230	72	13	:	:	PUNCT
hi-230	72	14	0250	0250	NUM
hi-230	72	15	e	e	NOUN
hi-230	72	16	)	)	PUNCT
hi-230	72	17	in	in	ADP
hi-230	72	18	the	the	DET
hi-230	72	19	form	form	NOUN
hi-230	72	20	of	of	ADP
hi-230	72	21	individual	individual	ADJ
hi-230	72	22	business	business	NOUN
hi-230	72	23	,	,	PUNCT
hi-230	72	24	a	a	DET
hi-230	72	25	business	business	NOUN
hi-230	72	26	entity	entity	NOUN
hi-230	72	27	that	that	PRON
hi-230	72	28	has	have	VERB
hi-230	72	29	no	no	DET
hi-230	72	30	legal	legal	ADJ
hi-230	72	31	entity	entity	NOUN
hi-230	72	32	or	or	CCONJ
hi-230	72	33	legal	legal	ADJ
hi-230	72	34	entity	entity	NOUN
hi-230	72	35	,	,	PUNCT
hi-230	72	36	including	include	VERB
hi-230	72	37	cooperatives	cooperative	NOUN
hi-230	72	38	(	(	PUNCT
hi-230	72	39	manurung	manurung	NOUN
hi-230	72	40	,	,	PUNCT
hi-230	72	41	2006	2006	NUM
hi-230	72	42	)	)	PUNCT
hi-230	72	43	.	.	PUNCT
hi-230	73	1	based	base	VERB
hi-230	73	2	on	on	ADP
hi-230	73	3	the	the	DET
hi-230	73	4	explanation	explanation	NOUN
hi-230	73	5	above	above	ADV
hi-230	73	6	,	,	PUNCT
hi-230	73	7	it	it	PRON
hi-230	73	8	can	can	AUX
hi-230	73	9	be	be	AUX
hi-230	73	10	concluded	conclude	VERB
hi-230	73	11	that	that	SCONJ
hi-230	73	12	referred	refer	VERB
hi-230	73	13	to	to	ADP
hi-230	73	14	as	as	ADP
hi-230	73	15	small	small	ADJ
hi-230	73	16	micro	micro	ADJ
hi-230	73	17	enterprises	enterprise	NOUN
hi-230	73	18	or	or	CCONJ
hi-230	73	19	smmb	smmb	NOUN
hi-230	73	20	is	be	AUX
hi-230	73	21	a	a	DET
hi-230	73	22	business	business	NOUN
hi-230	73	23	activity	activity	NOUN
hi-230	73	24	undertaken	undertake	VERB
hi-230	73	25	by	by	ADP
hi-230	73	26	the	the	DET
hi-230	73	27	indonesian	indonesian	ADJ
hi-230	73	28	businessmen	businessman	NOUN
hi-230	73	29	played	play	VERB
hi-230	73	30	,	,	PUNCT
hi-230	73	31	both	both	DET
hi-230	73	32	individuals	individual	NOUN
hi-230	73	33	and	and	CCONJ
hi-230	73	34	groups	group	NOUN
hi-230	73	35	who	who	PRON
hi-230	73	36	have	have	VERB
hi-230	73	37	income	income	NOUN
hi-230	73	38	from	from	ADP
hi-230	73	39	the	the	DET
hi-230	73	40	results	result	NOUN
hi-230	73	41	of	of	ADP
hi-230	73	42	its	its	PRON
hi-230	73	43	business	business	NOUN
hi-230	73	44	activities	activity	NOUN
hi-230	73	45	between	between	ADP
hi-230	73	46	rp	rp	NOUN
hi-230	73	47	.	.	PROPN
hi-230	73	48	100	100	NUM
hi-230	73	49	million	million	NUM
hi-230	73	50	,	,	PUNCT
hi-230	73	51	-up	-up	X
hi-230	73	52	to	to	ADP
hi-230	73	53	rp	rp	NOUN
hi-230	73	54	.	.	PROPN
hi-230	74	1	10	10	NUM
hi-230	74	2	billion	billion	NUM
hi-230	74	3	,	,	PUNCT
hi-230	74	4	-per	-per	NUM
hi-230	74	5	year	year	NOUN
hi-230	74	6	.	.	PUNCT
hi-230	75	1	definition	definition	NOUN
hi-230	75	2	financial	financial	PROPN
hi-230	75	3	technology	technology	NOUN
hi-230	75	4	fintech	fintech	NOUN
hi-230	75	5	comes	come	VERB
hi-230	75	6	from	from	ADP
hi-230	75	7	the	the	DET
hi-230	75	8	term	term	NOUN
hi-230	75	9	financial	financial	ADJ
hi-230	75	10	technology	technology	NOUN
hi-230	75	11	or	or	CCONJ
hi-230	75	12	financial	financial	ADJ
hi-230	75	13	technology	technology	NOUN
hi-230	75	14	.	.	PUNCT
hi-230	76	1	according	accord	VERB
hi-230	76	2	to	to	ADP
hi-230	76	3	the	the	DET
hi-230	76	4	national	national	ADJ
hi-230	76	5	digital	digital	PROPN
hi-230	76	6	research	research	NOUN
hi-230	76	7	centre	centre	NOUN
hi-230	76	8	(	(	PUNCT
hi-230	76	9	ndrc	ndrc	PROPN
hi-230	76	10	)	)	PUNCT
hi-230	76	11	,	,	PUNCT
hi-230	76	12	in	in	ADP
hi-230	76	13	dublin	dublin	PROPN
hi-230	76	14	,	,	PUNCT
hi-230	76	15	ireland	ireland	PROPN
hi-230	76	16	,	,	PUNCT
hi-230	76	17	it	it	PRON
hi-230	76	18	defines	define	VERB
hi-230	76	19	fintech	fintech	NOUN
hi-230	76	20	as	as	ADP
hi-230	76	21	"	"	PUNCT
hi-230	76	22	innovation	innovation	NOUN
hi-230	76	23	in	in	ADP
hi-230	76	24	financial	financial	ADJ
hi-230	76	25	services	service	NOUN
hi-230	76	26	”	"	PUNCT
hi-230	76	27	or	or	CCONJ
hi-230	76	28	"	"	PUNCT
hi-230	76	29	innovations	innovation	NOUN
hi-230	76	30	in	in	ADP
hi-230	76	31	fintech	fintech	NOUN
hi-230	76	32	financial	financial	ADJ
hi-230	76	33	services	service	NOUN
hi-230	76	34	"	"	PUNCT
hi-230	76	35	which	which	PRON
hi-230	76	36	is	be	AUX
hi-230	76	37	an	an	DET
hi-230	76	38	innovation	innovation	NOUN
hi-230	76	39	in	in	ADP
hi-230	76	40	the	the	DET
hi-230	76	41	financial	financial	ADJ
hi-230	76	42	sector	sector	NOUN
hi-230	76	43	that	that	PRON
hi-230	76	44	gets	get	VERB
hi-230	76	45	a	a	DET
hi-230	76	46	touch	touch	NOUN
hi-230	76	47	of	of	ADP
hi-230	76	48	modern	modern	ADJ
hi-230	76	49	technology	technology	NOUN
hi-230	76	50	.	.	PUNCT
hi-230	77	1	financial	financial	ADJ
hi-230	77	2	transactions	transaction	NOUN
hi-230	77	3	through	through	ADP
hi-230	77	4	this	this	DET
hi-230	77	5	fintech	fintech	NOUN
hi-230	77	6	include	include	VERB
hi-230	77	7	payments	payment	NOUN
hi-230	77	8	,	,	PUNCT
hi-230	77	9	investments	investment	NOUN
hi-230	77	10	,	,	PUNCT
hi-230	77	11	lending	lend	VERB
hi-230	77	12	money	money	NOUN
hi-230	77	13	,	,	PUNCT
hi-230	77	14	transfers	transfer	NOUN
hi-230	77	15	,	,	PUNCT
hi-230	77	16	financial	financial	ADJ
hi-230	77	17	plans	plan	NOUN
hi-230	77	18	and	and	CCONJ
hi-230	77	19	comparative	comparative	ADJ
hi-230	77	20	financial	financial	ADJ
hi-230	77	21	products	product	NOUN
hi-230	77	22	.	.	PUNCT
hi-230	78	1	currently	currently	ADV
hi-230	78	2	there	there	PRON
hi-230	78	3	are	be	VERB
hi-230	78	4	142	142	NUM
hi-230	78	5	companies	company	NOUN
hi-230	78	6	engaged	engage	VERB
hi-230	78	7	in	in	ADP
hi-230	78	8	fintech	fintech	NOUN
hi-230	78	9	that	that	PRON
hi-230	78	10	are	be	AUX
hi-230	78	11	identified	identify	VERB
hi-230	78	12	as	as	ADP
hi-230	78	13	operating	operate	VERB
hi-230	78	14	in	in	ADP
hi-230	78	15	indonesia	indonesia	PROPN
hi-230	78	16	.	.	PUNCT
hi-230	79	1	(	(	PUNCT
hi-230	79	2	wijayanti	wijayanti	NOUN
hi-230	79	3	,	,	PUNCT
hi-230	79	4	2018	2018	NUM
hi-230	79	5	)	)	PUNCT
hi-230	79	6	fintech	fintech	NOUN
hi-230	79	7	classification	classification	NOUN
hi-230	79	8	the	the	DET
hi-230	79	9	following	follow	VERB
hi-230	79	10	are	be	AUX
hi-230	79	11	4	4	NUM
hi-230	79	12	classification	classification	NOUN
hi-230	79	13	of	of	ADP
hi-230	79	14	fintech	fintech	NOUN
hi-230	79	15	according	accord	VERB
hi-230	79	16	to	to	ADP
hi-230	79	17	bank	bank	PROPN
hi-230	79	18	indonesia	indonesia	PROPN
hi-230	79	19	:	:	PUNCT
hi-230	79	20	(	(	PUNCT
hi-230	79	21	muchlisin	muchlisin	NOUN
hi-230	79	22	,	,	PUNCT
hi-230	79	23	2018	2018	NUM
hi-230	79	24	)	)	PUNCT
hi-230	80	1	a.	a.	NOUN
hi-230	80	2	crowdfunding	crowdfunding	PROPN
hi-230	80	3	dan	dan	PROPN
hi-230	80	4	peer	peer	VERB
hi-230	80	5	to	to	ADP
hi-230	80	6	peer	peer	NOUN
hi-230	80	7	lending	lending	NOUN
hi-230	80	8	in	in	ADP
hi-230	80	9	this	this	DET
hi-230	80	10	classification	classification	NOUN
hi-230	80	11	,	,	PUNCT
hi-230	80	12	fintech	fintech	NOUN
hi-230	80	13	is	be	AUX
hi-230	80	14	useful	useful	ADJ
hi-230	80	15	as	as	ADP
hi-230	80	16	mediation	mediation	NOUN
hi-230	80	17	that	that	PRON
hi-230	80	18	finds	find	VERB
hi-230	80	19	investors	investor	NOUN
hi-230	80	20	with	with	ADP
hi-230	80	21	capital	capital	NOUN
hi-230	80	22	seekers	seeker	NOUN
hi-230	80	23	,	,	PUNCT
hi-230	80	24	like	like	ADP
hi-230	80	25	the	the	DET
hi-230	80	26	marketplace	marketplace	NOUN
hi-230	80	27	in	in	ADP
hi-230	80	28	e	e	NOUN
hi-230	80	29	-	-	NOUN
hi-230	80	30	commerce	commerce	NOUN
hi-230	80	31	terms	term	NOUN
hi-230	80	32	.	.	PUNCT
hi-230	81	1	crowdfunding	crowdfunding	NOUN
hi-230	81	2	(	(	PUNCT
hi-230	81	3	mass	mass	NOUN
hi-230	81	4	or	or	CCONJ
hi-230	81	5	joint	joint	ADJ
hi-230	81	6	-	-	PUNCT
hi-230	81	7	base	base	NOUN
hi-230	81	8	financing	financing	NOUN
hi-230	81	9	)	)	PUNCT
hi-230	81	10	and	and	CCONJ
hi-230	81	11	peer	peer	VERB
hi-230	81	12	to	to	ADP
hi-230	81	13	peer	peer	NOUN
hi-230	81	14	(	(	PUNCT
hi-230	81	15	p2p	p2p	NOUN
hi-230	81	16	)	)	PUNCT
hi-230	81	17	lending	lending	NOUN
hi-230	81	18	is	be	AUX
hi-230	81	19	supervised	supervise	VERB
hi-230	81	20	by	by	ADP
hi-230	81	21	the	the	DET
hi-230	81	22	ojk	ojk	NOUN
hi-230	81	23	(	(	PUNCT
hi-230	81	24	financial	financial	ADJ
hi-230	81	25	services	service	NOUN
hi-230	81	26	authority	authority	NOUN
hi-230	81	27	)	)	PUNCT
hi-230	81	28	.	.	PUNCT
hi-230	82	1	crowdfunding	crowdfunde	VERB
hi-230	82	2	it	it	PRON
hi-230	82	3	is	be	AUX
hi-230	82	4	very	very	ADV
hi-230	82	5	useful	useful	ADJ
hi-230	82	6	to	to	PART
hi-230	82	7	conduct	conduct	VERB
hi-230	82	8	fundraisers	fundraiser	NOUN
hi-230	82	9	such	such	ADJ
hi-230	82	10	as	as	ADP
hi-230	82	11	to	to	PART
hi-230	82	12	fund	fund	VERB
hi-230	82	13	a	a	DET
hi-230	82	14	work	work	NOUN
hi-230	82	15	,	,	PUNCT
hi-230	82	16	help	help	VERB
hi-230	82	17	victims	victim	NOUN
hi-230	82	18	of	of	ADP
hi-230	82	19	disasters	disaster	NOUN
hi-230	82	20	and	and	CCONJ
hi-230	82	21	others	other	NOUN
hi-230	82	22	.	.	PUNCT
hi-230	83	1	with	with	ADP
hi-230	83	2	fintech	fintech	NOUN
hi-230	83	3	,	,	PUNCT
hi-230	83	4	fundraising	fundraising	NOUN
hi-230	83	5	can	can	AUX
hi-230	83	6	be	be	AUX
hi-230	83	7	done	do	VERB
hi-230	83	8	online	online	ADV
hi-230	83	9	,	,	PUNCT
hi-230	83	10	so	so	SCONJ
hi-230	83	11	that	that	SCONJ
hi-230	83	12	the	the	DET
hi-230	83	13	fundraising	fundraising	NOUN
hi-230	83	14	will	will	AUX
hi-230	83	15	be	be	AUX
hi-230	83	16	easier	easy	ADJ
hi-230	83	17	and	and	CCONJ
hi-230	83	18	more	more	ADV
hi-230	83	19	efficient	efficient	ADJ
hi-230	83	20	.	.	PUNCT
hi-230	84	1	b.	b.	NOUN
hi-230	84	2	market	market	NOUN
hi-230	84	3	aggregator	aggregator	NOUN
hi-230	84	4	in	in	ADP
hi-230	84	5	this	this	DET
hi-230	84	6	classification	classification	NOUN
hi-230	84	7	,	,	PUNCT
hi-230	84	8	fintech	fintech	NOUN
hi-230	84	9	will	will	AUX
hi-230	84	10	serve	serve	VERB
hi-230	84	11	as	as	ADP
hi-230	84	12	the	the	DET
hi-230	84	13	comparator	comparator	NOUN
hi-230	84	14	of	of	ADP
hi-230	84	15	financial	financial	ADJ
hi-230	84	16	products	product	NOUN
hi-230	84	17	,	,	PUNCT
hi-230	84	18	where	where	SCONJ
hi-230	84	19	the	the	DET
hi-230	84	20	fintech	fintech	NOUN
hi-230	84	21	will	will	AUX
hi-230	84	22	gather	gather	VERB
hi-230	84	23	and	and	CCONJ
hi-230	84	24	collect	collect	VERB
hi-230	84	25	financial	financial	ADJ
hi-230	84	26	data	datum	NOUN
hi-230	84	27	to	to	PART
hi-230	84	28	be	be	AUX
hi-230	84	29	used	use	VERB
hi-230	84	30	as	as	ADP
hi-230	84	31	reference	reference	NOUN
hi-230	84	32	by	by	ADP
hi-230	84	33	users	user	NOUN
hi-230	84	34	.	.	PUNCT
hi-230	85	1	this	this	DET
hi-230	85	2	classification	classification	NOUN
hi-230	85	3	can	can	AUX
hi-230	85	4	also	also	ADV
hi-230	85	5	be	be	AUX
hi-230	85	6	referred	refer	VERB
hi-230	85	7	to	to	ADP
hi-230	85	8	by	by	ADP
hi-230	85	9	name	name	NOUN
hi-230	85	10	comparison	comparison	NOUN
hi-230	85	11	site	site	NOUN
hi-230	85	12	or	or	CCONJ
hi-230	85	13	financial	financial	ADJ
hi-230	85	14	aggregator	aggregator	NOUN
hi-230	85	15	.	.	PUNCT
hi-230	86	1	for	for	ADP
hi-230	86	2	example	example	NOUN
hi-230	86	3	,	,	PUNCT
hi-230	86	4	if	if	SCONJ
hi-230	86	5	a	a	DET
hi-230	86	6	consumer	consumer	NOUN
hi-230	86	7	wants	want	VERB
hi-230	86	8	to	to	PART
hi-230	86	9	choose	choose	VERB
hi-230	86	10	a	a	DET
hi-230	86	11	house	house	NOUN
hi-230	86	12	financing	financing	NOUN
hi-230	86	13	product	product	NOUN
hi-230	86	14	,	,	PUNCT
hi-230	86	15	the	the	DET
hi-230	86	16	fintech	fintech	NOUN
hi-230	86	17	platform	platform	NOUN
hi-230	86	18	will	will	AUX
hi-230	86	19	adapt	adapt	VERB
hi-230	86	20	the	the	DET
hi-230	86	21	consumer	consumer	NOUN
hi-230	86	22	's	's	PART
hi-230	86	23	personal	personal	ADJ
hi-230	86	24	financial	financial	ADJ
hi-230	86	25	data	datum	NOUN
hi-230	86	26	and	and	CCONJ
hi-230	86	27	provide	provide	VERB
hi-230	86	28	the	the	DET
hi-230	86	29	house	house	NOUN
hi-230	86	30	financing	financing	NOUN
hi-230	86	31	product	product	NOUN
hi-230	86	32	options	option	NOUN
hi-230	86	33	according	accord	VERB
hi-230	86	34	to	to	ADP
hi-230	86	35	the	the	DET
hi-230	86	36	personal	personal	ADJ
hi-230	86	37	data	datum	NOUN
hi-230	86	38	entered	enter	VERB
hi-230	86	39	.	.	PUNCT
hi-230	87	1	this	this	DET
hi-230	87	2	option	option	NOUN
hi-230	87	3	will	will	AUX
hi-230	87	4	be	be	AUX
hi-230	87	5	provided	provide	VERB
hi-230	87	6	in	in	ADP
hi-230	87	7	accordance	accordance	NOUN
hi-230	87	8	with	with	ADP
hi-230	87	9	the	the	DET
hi-230	87	10	wishes	wish	NOUN
hi-230	87	11	and	and	CCONJ
hi-230	87	12	financial	financial	ADJ
hi-230	87	13	capabilities	capability	NOUN
hi-230	87	14	and	and	CCONJ
hi-230	87	15	consumer	consumer	NOUN
hi-230	87	16	preferences	preference	NOUN
hi-230	87	17	c.	c.	NOUN
hi-230	87	18	risk	risk	NOUN
hi-230	87	19	and	and	CCONJ
hi-230	87	20	investment	investment	NOUN
hi-230	87	21	management	management	NOUN
hi-230	87	22	the	the	DET
hi-230	87	23	concept	concept	NOUN
hi-230	87	24	offered	offer	VERB
hi-230	87	25	by	by	ADP
hi-230	87	26	fintech	fintech	NOUN
hi-230	87	27	in	in	ADP
hi-230	87	28	this	this	DET
hi-230	87	29	classification	classification	NOUN
hi-230	87	30	has	have	VERB
hi-230	87	31	functions	function	NOUN
hi-230	87	32	like	like	ADP
hi-230	87	33	financial	financial	ADJ
hi-230	87	34	planner	planner	NOUN
hi-230	87	35	which	which	PRON
hi-230	87	36	is	be	AUX
hi-230	87	37	digital	digital	ADJ
hi-230	87	38	form	form	NOUN
hi-230	87	39	.	.	PUNCT
hi-230	88	1	the	the	DET
hi-230	88	2	user	user	NOUN
hi-230	88	3	will	will	AUX
hi-230	88	4	be	be	AUX
hi-230	88	5	assisted	assist	VERB
hi-230	88	6	to	to	PART
hi-230	88	7	get	get	VERB
hi-230	88	8	the	the	DET
hi-230	88	9	most	most	ADV
hi-230	88	10	suitable	suitable	ADJ
hi-230	88	11	investment	investment	NOUN
hi-230	88	12	product	product	NOUN
hi-230	88	13	according	accord	VERB
hi-230	88	14	to	to	ADP
hi-230	88	15	the	the	DET
hi-230	88	16	given	give	VERB
hi-230	88	17	preference	preference	NOUN
hi-230	88	18	.	.	PUNCT
hi-230	89	1	in	in	ADP
hi-230	89	2	addition	addition	NOUN
hi-230	89	3	to	to	ADP
hi-230	89	4	risk	risk	NOUN
hi-230	89	5	management	management	NOUN
hi-230	89	6	and	and	CCONJ
hi-230	89	7	investment	investment	NOUN
hi-230	89	8	,	,	PUNCT
hi-230	89	9	in	in	ADP
hi-230	89	10	this	this	DET
hi-230	89	11	classification	classification	NOUN
hi-230	89	12	,	,	PUNCT
hi-230	89	13	there	there	PRON
hi-230	89	14	is	be	VERB
hi-230	89	15	also	also	ADV
hi-230	89	16	asset	asset	NOUN
hi-230	89	17	management	management	NOUN
hi-230	89	18	,	,	PUNCT
hi-230	89	19	where	where	SCONJ
hi-230	89	20	fintech	fintech	NOUN
hi-230	89	21	will	will	AUX
hi-230	89	22	help	help	VERB
hi-230	89	23	the	the	DET
hi-230	89	24	operation	operation	NOUN
hi-230	89	25	of	of	ADP
hi-230	89	26	a	a	DET
hi-230	89	27	business	business	NOUN
hi-230	89	28	so	so	SCONJ
hi-230	89	29	that	that	SCONJ
hi-230	89	30	it	it	PRON
hi-230	89	31	is	be	AUX
hi-230	89	32	more	more	ADV
hi-230	89	33	practical	practical	ADJ
hi-230	89	34	.	.	PUNCT
hi-230	90	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	90	2	hamdard	hamdard	ADJ
hi-230	90	3	islamicus	islamicus	PROPN
hi-230	90	4	,	,	PUNCT
hi-230	90	5	vol	vol	NOUN
hi-230	90	6	.	.	PROPN
hi-230	91	1	43	43	NUM
hi-230	91	2	no	no	NOUN
hi-230	91	3	.	.	PUNCT
hi-230	91	4	s.2	s.2	X
hi-230	91	5	(	(	PUNCT
hi-230	91	6	2020	2020	NUM
hi-230	91	7	)	)	PUNCT
hi-230	91	8	,	,	PUNCT
hi-230	91	9	850	850	NUM
hi-230	91	10	861	861	NUM
hi-230	91	11	855	855	NUM
hi-230	91	12	issn	issn	X
hi-230	91	13	:	:	PUNCT
hi-230	91	14	0250	0250	NUM
hi-230	91	15	d.	d.	PROPN
hi-230	91	16	payment	payment	PROPN
hi-230	91	17	,	,	PUNCT
hi-230	91	18	settlement	settlement	NOUN
hi-230	91	19	dan	dan	PROPN
hi-230	91	20	clearing	clear	VERB
hi-230	91	21	the	the	DET
hi-230	91	22	types	type	NOUN
hi-230	91	23	of	of	ADP
hi-230	91	24	fintech	fintech	NOUN
hi-230	91	25	incorporated	incorporate	VERB
hi-230	91	26	in	in	ADP
hi-230	91	27	this	this	DET
hi-230	91	28	classification	classification	NOUN
hi-230	91	29	are	be	AUX
hi-230	91	30	payments	payment	NOUN
hi-230	91	31	such	such	ADJ
hi-230	91	32	as	as	ADP
hi-230	91	33	payment	payment	NOUN
hi-230	91	34	gateway	gateway	NOUN
hi-230	91	35	and	and	CCONJ
hi-230	91	36	e	e	NOUN
hi-230	91	37	-	-	NOUN
hi-230	91	38	wallet	wallet	NOUN
hi-230	91	39	.	.	PUNCT
hi-230	92	1	this	this	DET
hi-230	92	2	classification	classification	NOUN
hi-230	92	3	is	be	AUX
hi-230	92	4	supervised	supervise	VERB
hi-230	92	5	by	by	ADP
hi-230	92	6	bi	bi	PROPN
hi-230	92	7	(	(	PUNCT
hi-230	92	8	bank	bank	PROPN
hi-230	92	9	indonesia	indonesia	PROPN
hi-230	92	10	)	)	PUNCT
hi-230	92	11	because	because	SCONJ
hi-230	92	12	the	the	DET
hi-230	92	13	payment	payment	NOUN
hi-230	92	14	process	process	NOUN
hi-230	92	15	also	also	ADV
hi-230	92	16	includes	include	VERB
hi-230	92	17	the	the	DET
hi-230	92	18	turnover	turnover	NOUN
hi-230	92	19	of	of	ADP
hi-230	92	20	money	money	NOUN
hi-230	92	21	which	which	PRON
hi-230	92	22	will	will	AUX
hi-230	92	23	be	be	AUX
hi-230	92	24	the	the	DET
hi-230	92	25	responsibility	responsibility	NOUN
hi-230	92	26	of	of	ADP
hi-230	92	27	bank	bank	PROPN
hi-230	92	28	indonesia	indonesia	PROPN
hi-230	92	29	.	.	PUNCT
hi-230	93	1	as	as	SCONJ
hi-230	93	2	we	we	PRON
hi-230	93	3	mentioned	mention	VERB
hi-230	93	4	above	above	ADV
hi-230	93	5	,	,	PUNCT
hi-230	93	6	payment	payment	NOUN
hi-230	93	7	gateway	gateway	NOUN
hi-230	93	8	is	be	AUX
hi-230	93	9	one	one	NUM
hi-230	93	10	of	of	ADP
hi-230	93	11	the	the	DET
hi-230	93	12	fourth	fourth	ADJ
hi-230	93	13	classification	classification	NOUN
hi-230	93	14	examples	example	NOUN
hi-230	93	15	.	.	PUNCT
hi-230	94	1	payment	payment	NOUN
hi-230	94	2	gateway	gateway	NOUN
hi-230	94	3	is	be	AUX
hi-230	94	4	a	a	DET
hi-230	94	5	bridge	bridge	NOUN
hi-230	94	6	between	between	ADP
hi-230	94	7	customers	customer	NOUN
hi-230	94	8	and	and	CCONJ
hi-230	94	9	e	e	NOUN
hi-230	94	10	-	-	NOUN
hi-230	94	11	commerce	commerce	NOUN
hi-230	94	12	(	(	PUNCT
hi-230	94	13	online	online	ADJ
hi-230	94	14	buying	buying	NOUN
hi-230	94	15	and	and	CCONJ
hi-230	94	16	selling	sell	VERB
hi-230	94	17	companies	company	NOUN
hi-230	94	18	)	)	PUNCT
hi-230	94	19	focused	focus	VERB
hi-230	94	20	on	on	ADP
hi-230	94	21	the	the	DET
hi-230	94	22	payment	payment	NOUN
hi-230	94	23	system	system	NOUN
hi-230	94	24	.	.	PUNCT
hi-230	95	1	with	with	ADP
hi-230	95	2	the	the	DET
hi-230	95	3	form	form	NOUN
hi-230	95	4	of	of	ADP
hi-230	95	5	fintech	fintech	NOUN
hi-230	95	6	payment	payment	NOUN
hi-230	95	7	gateway	gateway	NOUN
hi-230	95	8	,	,	PUNCT
hi-230	95	9	customers	customer	NOUN
hi-230	95	10	can	can	AUX
hi-230	95	11	choose	choose	VERB
hi-230	95	12	the	the	DET
hi-230	95	13	desired	desire	VERB
hi-230	95	14	payment	payment	NOUN
hi-230	95	15	method	method	NOUN
hi-230	95	16	.	.	PUNCT
hi-230	96	1	one	one	NUM
hi-230	96	2	example	example	NOUN
hi-230	96	3	of	of	ADP
hi-230	96	4	fintech	fintech	NOUN
hi-230	96	5	in	in	ADP
hi-230	96	6	the	the	DET
hi-230	96	7	form	form	NOUN
hi-230	96	8	of	of	ADP
hi-230	96	9	payment	payment	NOUN
hi-230	96	10	gateway	gateway	NOUN
hi-230	96	11	is	be	AUX
hi-230	96	12	ipaymu.com	ipaymu.com	X
hi-230	96	13	.	.	PUNCT
hi-230	96	14	fintech	fintech	NOUN
hi-230	96	15	financing	financing	NOUN
hi-230	96	16	measures	measure	NOUN
hi-230	96	17	online	online	ADJ
hi-230	96	18	loan	loan	NOUN
hi-230	96	19	-	-	PUNCT
hi-230	96	20	based	base	VERB
hi-230	96	21	fintech	fintech	NOUN
hi-230	96	22	peer	peer	NOUN
hi-230	96	23	to	to	ADP
hi-230	96	24	peer	peer	NOUN
hi-230	96	25	lending	lending	NOUN
hi-230	96	26	or	or	CCONJ
hi-230	96	27	p2p	p2p	NOUN
hi-230	96	28	lending	lending	NOUN
hi-230	96	29	is	be	AUX
hi-230	96	30	currently	currently	ADV
hi-230	96	31	mushed	mush	VERB
hi-230	96	32	in	in	ADP
hi-230	96	33	indonesia	indonesia	PROPN
hi-230	96	34	is	be	AUX
hi-230	96	35	very	very	ADV
hi-230	96	36	helpful	helpful	ADJ
hi-230	96	37	to	to	ADP
hi-230	96	38	the	the	DET
hi-230	96	39	community	community	NOUN
hi-230	96	40	especially	especially	ADV
hi-230	96	41	for	for	ADP
hi-230	96	42	smmb	smmb	NOUN
hi-230	96	43	in	in	ADP
hi-230	96	44	developing	develop	VERB
hi-230	96	45	its	its	PRON
hi-230	96	46	business	business	NOUN
hi-230	96	47	.	.	PUNCT
hi-230	97	1	here	here	ADV
hi-230	97	2	are	be	AUX
hi-230	97	3	5	5	NUM
hi-230	97	4	steps	step	NOUN
hi-230	97	5	of	of	ADP
hi-230	97	6	fintech	fintech	NOUN
hi-230	97	7	financing	financing	NOUN
hi-230	97	8	for	for	ADP
hi-230	97	9	business	business	NOUN
hi-230	97	10	to	to	PART
hi-230	97	11	run	run	VERB
hi-230	97	12	smoothly	smoothly	ADV
hi-230	97	13	and	and	CCONJ
hi-230	97	14	results	result	NOUN
hi-230	97	15	in	in	ADP
hi-230	97	16	accordance	accordance	NOUN
hi-230	97	17	with	with	ADP
hi-230	97	18	expectations	expectation	NOUN
hi-230	97	19	,	,	PUNCT
hi-230	97	20	namely	namely	ADV
hi-230	97	21	:	:	PUNCT
hi-230	97	22	(	(	PUNCT
hi-230	97	23	pasha	pasha	PROPN
hi-230	97	24	,	,	PUNCT
hi-230	97	25	2018	2018	NUM
hi-230	97	26	)	)	PUNCT
hi-230	97	27	a	a	DET
hi-230	97	28	)	)	PUNCT
hi-230	97	29	select	select	ADJ
hi-230	97	30	fintech	fintech	NOUN
hi-230	97	31	lending	lending	NOUN
hi-230	97	32	registered	register	VERB
hi-230	97	33	in	in	ADP
hi-230	97	34	ojk	ojk	NOUN
hi-230	97	35	select	select	VERB
hi-230	97	36	the	the	DET
hi-230	97	37	existing	exist	VERB
hi-230	97	38	and	and	CCONJ
hi-230	97	39	licensed	licensed	ADJ
hi-230	97	40	fintech	fintech	NOUN
hi-230	97	41	lending	lending	NOUN
hi-230	97	42	in	in	ADP
hi-230	97	43	the	the	DET
hi-230	97	44	ojk	ojk	NOUN
hi-230	97	45	(	(	PUNCT
hi-230	97	46	financial	financial	ADJ
hi-230	97	47	services	service	NOUN
hi-230	97	48	authority	authority	NOUN
hi-230	97	49	)	)	PUNCT
hi-230	97	50	by	by	ADP
hi-230	97	51	visiting	visit	VERB
hi-230	97	52	the	the	DET
hi-230	97	53	www.ojk.go.id	www.ojk.go.id	ADJ
hi-230	97	54	website	website	NOUN
hi-230	97	55	.	.	PUNCT
hi-230	98	1	in	in	ADP
hi-230	98	2	addition	addition	NOUN
hi-230	98	3	,	,	PUNCT
hi-230	98	4	you	you	PRON
hi-230	98	5	can	can	AUX
hi-230	98	6	also	also	ADV
hi-230	98	7	get	get	VERB
hi-230	98	8	more	more	ADJ
hi-230	98	9	information	information	NOUN
hi-230	98	10	about	about	ADP
hi-230	98	11	of	of	ADP
hi-230	98	12	fintech	fintech	NOUN
hi-230	98	13	.	.	PUNCT
hi-230	99	1	the	the	DET
hi-230	99	2	goal	goal	NOUN
hi-230	99	3	is	be	AUX
hi-230	99	4	to	to	PART
hi-230	99	5	avoid	avoid	VERB
hi-230	99	6	the	the	DET
hi-230	99	7	fraud	fraud	NOUN
hi-230	99	8	that	that	SCONJ
hi-230	99	9	the	the	DET
hi-230	99	10	group	group	NOUN
hi-230	99	11	is	be	AUX
hi-230	99	12	irresponsible	irresponsible	ADJ
hi-230	99	13	for	for	ADP
hi-230	99	14	.	.	PUNCT
hi-230	100	1	b	b	X
hi-230	100	2	)	)	PUNCT
hi-230	100	3	apply	apply	VERB
hi-230	100	4	for	for	ADP
hi-230	100	5	loan	loan	NOUN
hi-230	100	6	as	as	SCONJ
hi-230	100	7	needed	need	VERB
hi-230	100	8	make	make	VERB
hi-230	100	9	online	online	ADJ
hi-230	100	10	loans	loan	NOUN
hi-230	100	11	in	in	ADP
hi-230	100	12	accordance	accordance	NOUN
hi-230	100	13	with	with	ADP
hi-230	100	14	the	the	DET
hi-230	100	15	required	require	VERB
hi-230	100	16	capital	capital	NOUN
hi-230	100	17	alias	alia	NOUN
hi-230	100	18	not	not	PART
hi-230	100	19	overstated	overstate	VERB
hi-230	100	20	.	.	PUNCT
hi-230	101	1	do	do	AUX
hi-230	101	2	not	not	PART
hi-230	101	3	forget	forget	VERB
hi-230	101	4	to	to	PART
hi-230	101	5	also	also	ADV
hi-230	101	6	do	do	VERB
hi-230	101	7	consideration	consideration	NOUN
hi-230	101	8	of	of	ADP
hi-230	101	9	any	any	DET
hi-230	101	10	fintech	fintech	NOUN
hi-230	101	11	with	with	ADP
hi-230	101	12	detailed	detailed	ADJ
hi-230	101	13	calculations	calculation	NOUN
hi-230	101	14	ranging	range	VERB
hi-230	101	15	from	from	ADP
hi-230	101	16	the	the	DET
hi-230	101	17	interest	interest	NOUN
hi-230	101	18	offered	offer	VERB
hi-230	101	19	,	,	PUNCT
hi-230	101	20	the	the	DET
hi-230	101	21	cost	cost	NOUN
hi-230	101	22	of	of	ADP
hi-230	101	23	fines	fine	NOUN
hi-230	101	24	,	,	PUNCT
hi-230	101	25	tenor	tenor	NOUN
hi-230	101	26	and	and	CCONJ
hi-230	101	27	so	so	ADV
hi-230	101	28	on	on	ADV
hi-230	101	29	.	.	PUNCT
hi-230	102	1	c	c	X
hi-230	102	2	)	)	PUNCT
hi-230	102	3	do	do	VERB
hi-230	102	4	regular	regular	ADJ
hi-230	102	5	market	market	NOUN
hi-230	102	6	research	research	NOUN
hi-230	102	7	this	this	DET
hi-230	102	8	research	research	NOUN
hi-230	102	9	can	can	AUX
hi-230	102	10	be	be	AUX
hi-230	102	11	done	do	VERB
hi-230	102	12	by	by	ADP
hi-230	102	13	coming	come	VERB
hi-230	102	14	directly	directly	ADV
hi-230	102	15	into	into	ADP
hi-230	102	16	the	the	DET
hi-230	102	17	community	community	NOUN
hi-230	102	18	or	or	CCONJ
hi-230	102	19	through	through	ADP
hi-230	102	20	the	the	DET
hi-230	102	21	internet	internet	NOUN
hi-230	102	22	.	.	PUNCT
hi-230	103	1	that	that	DET
hi-230	103	2	way	way	NOUN
hi-230	103	3	,	,	PUNCT
hi-230	103	4	as	as	SCONJ
hi-230	103	5	a	a	DET
hi-230	103	6	business	business	NOUN
hi-230	103	7	person	person	NOUN
hi-230	103	8	can	can	AUX
hi-230	103	9	find	find	VERB
hi-230	103	10	out	out	ADP
hi-230	103	11	who	who	PRON
hi-230	103	12	will	will	AUX
hi-230	103	13	be	be	AUX
hi-230	103	14	target	target	NOUN
hi-230	103	15	targets	target	NOUN
hi-230	103	16	and	and	CCONJ
hi-230	103	17	what	what	PRON
hi-230	103	18	is	be	AUX
hi-230	103	19	needed	need	VERB
hi-230	103	20	by	by	ADP
hi-230	103	21	the	the	DET
hi-230	103	22	market	market	NOUN
hi-230	103	23	or	or	CCONJ
hi-230	103	24	the	the	DET
hi-230	103	25	community	community	NOUN
hi-230	103	26	of	of	ADP
hi-230	103	27	the	the	DET
hi-230	103	28	products	product	NOUN
hi-230	103	29	you	you	PRON
hi-230	103	30	sell	sell	VERB
hi-230	103	31	.	.	PUNCT
hi-230	104	1	d	d	X
hi-230	104	2	)	)	PUNCT
hi-230	104	3	enhance	enhance	NOUN
hi-230	104	4	creativity	creativity	NOUN
hi-230	104	5	and	and	CCONJ
hi-230	104	6	innovation	innovation	NOUN
hi-230	104	7	in	in	ADP
hi-230	104	8	this	this	DET
hi-230	104	9	case	case	NOUN
hi-230	104	10	the	the	DET
hi-230	104	11	need	need	NOUN
hi-230	104	12	to	to	PART
hi-230	104	13	hone	hone	NOUN
hi-230	104	14	creativity	creativity	NOUN
hi-230	104	15	creates	create	VERB
hi-230	104	16	new	new	ADJ
hi-230	104	17	ideas	idea	NOUN
hi-230	104	18	and	and	CCONJ
hi-230	104	19	do	do	AUX
hi-230	104	20	not	not	PART
hi-230	104	21	be	be	AUX
hi-230	104	22	afraid	afraid	ADJ
hi-230	104	23	to	to	PART
hi-230	104	24	innovate	innovate	VERB
hi-230	104	25	.	.	PUNCT
hi-230	105	1	you	you	PRON
hi-230	105	2	can	can	AUX
hi-230	105	3	look	look	VERB
hi-230	105	4	for	for	ADP
hi-230	105	5	inspiration	inspiration	NOUN
hi-230	105	6	by	by	ADP
hi-230	105	7	often	often	ADV
hi-230	105	8	hanging	hang	VERB
hi-230	105	9	out	out	ADP
hi-230	105	10	,	,	PUNCT
hi-230	105	11	sensitive	sensitive	ADJ
hi-230	105	12	to	to	ADP
hi-230	105	13	the	the	DET
hi-230	105	14	surrounding	surround	VERB
hi-230	105	15	environment	environment	NOUN
hi-230	105	16	,	,	PUNCT
hi-230	105	17	see	see	VERB
hi-230	105	18	-	-	PUNCT
hi-230	105	19	see	see	VERB
hi-230	105	20	from	from	ADP
hi-230	105	21	the	the	DET
hi-230	105	22	internet	internet	NOUN
hi-230	105	23	or	or	CCONJ
hi-230	105	24	social	social	ADJ
hi-230	105	25	media	medium	NOUN
hi-230	105	26	.	.	PUNCT
hi-230	106	1	e	e	X
hi-230	106	2	)	)	PUNCT
hi-230	106	3	do	do	VERB
hi-230	106	4	good	good	ADJ
hi-230	106	5	promotions	promotion	NOUN
hi-230	106	6	also	also	ADV
hi-230	106	7	,	,	PUNCT
hi-230	106	8	make	make	VERB
hi-230	106	9	sure	sure	ADJ
hi-230	106	10	you	you	PRON
hi-230	106	11	are	be	AUX
hi-230	106	12	active	active	ADJ
hi-230	106	13	in	in	ADP
hi-230	106	14	conducting	conduct	VERB
hi-230	106	15	this	this	DET
hi-230	106	16	promotion	promotion	NOUN
hi-230	106	17	,	,	PUNCT
hi-230	106	18	as	as	SCONJ
hi-230	106	19	this	this	PRON
hi-230	106	20	will	will	AUX
hi-230	106	21	determine	determine	VERB
hi-230	106	22	whether	whether	SCONJ
hi-230	106	23	it	it	PRON
hi-230	106	24	is	be	AUX
hi-230	106	25	the	the	DET
hi-230	106	26	sales	sale	NOUN
hi-230	106	27	or	or	CCONJ
hi-230	106	28	selling	selling	NOUN
hi-230	106	29	of	of	ADP
hi-230	106	30	products	product	NOUN
hi-230	106	31	.	.	PUNCT
hi-230	107	1	the	the	DET
hi-230	107	2	point	point	NOUN
hi-230	107	3	,	,	PUNCT
hi-230	107	4	the	the	PRON
hi-230	107	5	more	more	ADV
hi-230	107	6	active	active	ADJ
hi-230	107	7	and	and	CCONJ
hi-230	107	8	consistent	consistent	VERB
hi-230	107	9	the	the	DET
hi-230	107	10	promotion	promotion	NOUN
hi-230	107	11	,	,	PUNCT
hi-230	107	12	the	the	PRON
hi-230	107	13	more	more	ADV
hi-230	107	14	often	often	ADV
hi-230	107	15	the	the	DET
hi-230	107	16	customers	customer	NOUN
hi-230	107	17	who	who	PRON
hi-230	107	18	buy	buy	VERB
hi-230	107	19	the	the	DET
hi-230	107	20	product	product	NOUN
hi-230	107	21	.	.	PUNCT
hi-230	108	1	thus	thus	ADV
hi-230	108	2	,	,	PUNCT
hi-230	108	3	sales	sale	NOUN
hi-230	108	4	turnover	turnover	NOUN
hi-230	108	5	will	will	AUX
hi-230	108	6	continue	continue	VERB
hi-230	108	7	to	to	PART
hi-230	108	8	increase	increase	VERB
hi-230	108	9	.	.	PUNCT
hi-230	109	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	109	2	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/penyelenggara-fintech-terdaftar-di-ojk-per-agustus-2018.aspx	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/penyelenggara-fintech-terdaftar-di-ojk-per-agustus-2018.aspx	PROPN
hi-230	109	3	hamdard	hamdard	PROPN
hi-230	109	4	islamicus	islamicus	PROPN
hi-230	109	5	,	,	PUNCT
hi-230	109	6	vol	vol	NOUN
hi-230	109	7	.	.	PROPN
hi-230	109	8	43	43	NUM
hi-230	110	1	no	no	NOUN
hi-230	110	2	.	.	PUNCT
hi-230	110	3	s.2	s.2	X
hi-230	110	4	(	(	PUNCT
hi-230	110	5	2020	2020	NUM
hi-230	110	6	)	)	PUNCT
hi-230	110	7	,	,	PUNCT
hi-230	110	8	850	850	NUM
hi-230	110	9	861	861	NUM
hi-230	110	10	856	856	NUM
hi-230	110	11	issn	issn	X
hi-230	110	12	:	:	PUNCT
hi-230	110	13	0250	0250	NUM
hi-230	110	14	ojk	ojk	NOUN
hi-230	110	15	supervision	supervision	NOUN
hi-230	110	16	on	on	ADP
hi-230	110	17	the	the	DET
hi-230	110	18	implementation	implementation	NOUN
hi-230	110	19	of	of	ADP
hi-230	110	20	fintech	fintech	NOUN
hi-230	110	21	along	along	ADP
hi-230	110	22	with	with	ADP
hi-230	110	23	the	the	DET
hi-230	110	24	development	development	NOUN
hi-230	110	25	of	of	ADP
hi-230	110	26	fintech	fintech	NOUN
hi-230	110	27	that	that	PRON
hi-230	110	28	continues	continue	VERB
hi-230	110	29	to	to	PART
hi-230	110	30	be	be	AUX
hi-230	110	31	stretched	stretch	VERB
hi-230	110	32	until	until	ADP
hi-230	110	33	now	now	ADV
hi-230	110	34	,	,	PUNCT
hi-230	110	35	must	must	AUX
hi-230	110	36	be	be	AUX
hi-230	110	37	balanced	balance	VERB
hi-230	110	38	also	also	ADV
hi-230	110	39	with	with	ADP
hi-230	110	40	the	the	DET
hi-230	110	41	presence	presence	NOUN
hi-230	110	42	of	of	ADP
hi-230	110	43	regulation	regulation	NOUN
hi-230	110	44	and	and	CCONJ
hi-230	110	45	clear	clear	ADJ
hi-230	110	46	supervision	supervision	NOUN
hi-230	110	47	over	over	ADP
hi-230	110	48	the	the	DET
hi-230	110	49	course	course	NOUN
hi-230	110	50	of	of	ADP
hi-230	110	51	the	the	DET
hi-230	110	52	business	business	NOUN
hi-230	110	53	.	.	PUNCT
hi-230	111	1	pursuant	pursuant	ADJ
hi-230	111	2	to	to	ADP
hi-230	111	3	article	article	NOUN
hi-230	111	4	5	5	NUM
hi-230	111	5	of	of	ADP
hi-230	111	6	law	law	NOUN
hi-230	111	7	no	no	INTJ
hi-230	111	8	.	.	PROPN
hi-230	111	9	21	21	NUM
hi-230	111	10	of	of	ADP
hi-230	111	11	2011	2011	NUM
hi-230	111	12	on	on	ADP
hi-230	111	13	the	the	DET
hi-230	111	14	financial	financial	ADJ
hi-230	111	15	services	service	NOUN
hi-230	111	16	authority	authority	NOUN
hi-230	111	17	(	(	PUNCT
hi-230	111	18	ojk	ojk	NOUN
hi-230	111	19	)	)	PUNCT
hi-230	111	20	,	,	PUNCT
hi-230	111	21	which	which	PRON
hi-230	111	22	states	state	VERB
hi-230	111	23	that	that	SCONJ
hi-230	111	24	ojk	ojk	NOUN
hi-230	111	25	is	be	AUX
hi-230	111	26	functioning	function	VERB
hi-230	111	27	to	to	PART
hi-230	111	28	organize	organize	VERB
hi-230	111	29	an	an	DET
hi-230	111	30	integrated	integrate	VERB
hi-230	111	31	system	system	NOUN
hi-230	111	32	of	of	ADP
hi-230	111	33	regulatory	regulatory	ADJ
hi-230	111	34	and	and	CCONJ
hi-230	111	35	supervision	supervision	NOUN
hi-230	111	36	of	of	ADP
hi-230	111	37	all	all	DET
hi-230	111	38	activities	activity	NOUN
hi-230	111	39	in	in	ADP
hi-230	111	40	the	the	DET
hi-230	111	41	financial	financial	ADJ
hi-230	111	42	services	service	NOUN
hi-230	111	43	sector	sector	NOUN
hi-230	111	44	.	.	PUNCT
hi-230	112	1	more	more	ADV
hi-230	112	2	clearly	clearly	ADV
hi-230	112	3	article	article	NOUN
hi-230	112	4	6	6	NUM
hi-230	112	5	states	state	NOUN
hi-230	112	6	that	that	SCONJ
hi-230	112	7	ojk	ojk	NOUN
hi-230	112	8	carries	carry	VERB
hi-230	112	9	out	out	ADP
hi-230	112	10	the	the	DET
hi-230	112	11	duties	duty	NOUN
hi-230	112	12	of	of	ADP
hi-230	112	13	the	the	DET
hi-230	112	14	arrangement	arrangement	NOUN
hi-230	112	15	and	and	CCONJ
hi-230	112	16	supervision	supervision	NOUN
hi-230	112	17	of	of	ADP
hi-230	112	18	:	:	PUNCT
hi-230	112	19	a.	a.	NOUN
hi-230	112	20	financial	financial	PROPN
hi-230	112	21	services	service	NOUN
hi-230	112	22	activities	activity	NOUN
hi-230	112	23	in	in	ADP
hi-230	112	24	the	the	DET
hi-230	112	25	banking	banking	NOUN
hi-230	112	26	sector	sector	NOUN
hi-230	112	27	;	;	PUNCT
hi-230	112	28	b.	b.	PROPN
hi-230	112	29	financial	financial	PROPN
hi-230	112	30	services	service	NOUN
hi-230	112	31	activities	activity	NOUN
hi-230	112	32	in	in	ADP
hi-230	112	33	the	the	DET
hi-230	112	34	capital	capital	NOUN
hi-230	112	35	market	market	NOUN
hi-230	112	36	sector	sector	NOUN
hi-230	112	37	;	;	PUNCT
hi-230	112	38	and	and	CCONJ
hi-230	112	39	c.	c.	PROPN
hi-230	112	40	physical	physical	ADJ
hi-230	112	41	activities	activity	NOUN
hi-230	112	42	in	in	ADP
hi-230	112	43	the	the	DET
hi-230	112	44	insurance	insurance	NOUN
hi-230	112	45	sector	sector	NOUN
hi-230	112	46	,	,	PUNCT
hi-230	112	47	pension	pension	NOUN
hi-230	112	48	funds	fund	NOUN
hi-230	112	49	,	,	PUNCT
hi-230	112	50	institutions	institution	NOUN
hi-230	112	51	,	,	PUNCT
hi-230	112	52	and	and	CCONJ
hi-230	112	53	other	other	ADJ
hi-230	112	54	agencies	agency	NOUN
hi-230	112	55	in	in	ADP
hi-230	112	56	the	the	DET
hi-230	112	57	institution	institution	NOUN
hi-230	112	58	,	,	PUNCT
hi-230	112	59	and	and	CCONJ
hi-230	112	60	other	other	ADJ
hi-230	112	61	services	service	NOUN
hi-230	112	62	.	.	PUNCT
hi-230	113	1	when	when	SCONJ
hi-230	113	2	referring	refer	VERB
hi-230	113	3	to	to	ADP
hi-230	113	4	both	both	DET
hi-230	113	5	chapters	chapter	NOUN
hi-230	113	6	,	,	PUNCT
hi-230	113	7	ojk	ojk	PRON
hi-230	113	8	is	be	AUX
hi-230	113	9	the	the	DET
hi-230	113	10	institution	institution	NOUN
hi-230	113	11	that	that	PRON
hi-230	113	12	performs	perform	VERB
hi-230	113	13	the	the	DET
hi-230	113	14	arrangement	arrangement	NOUN
hi-230	113	15	and	and	CCONJ
hi-230	113	16	supervision	supervision	NOUN
hi-230	113	17	towards	towards	ADP
hi-230	113	18	growing	grow	VERB
hi-230	113	19	fintech	fintech	NOUN
hi-230	113	20	.	.	PUNCT
hi-230	114	1	fintech	fintech	NOUN
hi-230	114	2	startups	startup	NOUN
hi-230	114	3	include	include	VERB
hi-230	114	4	the	the	DET
hi-230	114	5	financial	financial	ADJ
hi-230	114	6	services	service	NOUN
hi-230	114	7	sector	sector	NOUN
hi-230	114	8	of	of	ADP
hi-230	114	9	both	both	CCONJ
hi-230	114	10	the	the	DET
hi-230	114	11	bank	bank	NOUN
hi-230	114	12	's	's	PART
hi-230	114	13	financial	financial	ADJ
hi-230	114	14	industry	industry	NOUN
hi-230	114	15	(	(	PUNCT
hi-230	114	16	ikb	ikb	PROPN
hi-230	114	17	)	)	PUNCT
hi-230	114	18	and	and	CCONJ
hi-230	114	19	the	the	DET
hi-230	114	20	non	non	ADJ
hi-230	114	21	-	-	ADJ
hi-230	114	22	bank	bank	ADJ
hi-230	114	23	financial	financial	ADJ
hi-230	114	24	industry	industry	NOUN
hi-230	114	25	(	(	PUNCT
hi-230	114	26	iknb	iknb	PROPN
hi-230	114	27	)	)	PUNCT
hi-230	114	28	that	that	PRON
hi-230	114	29	are	be	AUX
hi-230	114	30	supervised	supervise	VERB
hi-230	114	31	by	by	ADP
hi-230	114	32	the	the	DET
hi-230	114	33	ojk	ojk	NOUN
hi-230	114	34	.	.	PUNCT
hi-230	115	1	arrangement	arrangement	NOUN
hi-230	115	2	and	and	CCONJ
hi-230	115	3	supervision	supervision	NOUN
hi-230	115	4	become	become	VERB
hi-230	115	5	very	very	ADV
hi-230	115	6	important	important	ADJ
hi-230	115	7	for	for	ADP
hi-230	115	8	fintech	fintech	NOUN
hi-230	115	9	sustainability	sustainability	NOUN
hi-230	115	10	in	in	ADP
hi-230	115	11	indonesia	indonesia	PROPN
hi-230	115	12	.	.	PUNCT
hi-230	116	1	this	this	PRON
hi-230	116	2	relates	relate	VERB
hi-230	116	3	to	to	ADP
hi-230	116	4	the	the	DET
hi-230	116	5	legality	legality	NOUN
hi-230	116	6	of	of	ADP
hi-230	116	7	businesses	business	NOUN
hi-230	116	8	that	that	PRON
hi-230	116	9	run	run	VERB
hi-230	116	10	because	because	SCONJ
hi-230	116	11	the	the	DET
hi-230	116	12	implementation	implementation	NOUN
hi-230	116	13	of	of	ADP
hi-230	116	14	fintech	fintech	NOUN
hi-230	116	15	has	have	VERB
hi-230	116	16	a	a	DET
hi-230	116	17	potential	potential	ADJ
hi-230	116	18	risk	risk	NOUN
hi-230	116	19	that	that	PRON
hi-230	116	20	is	be	AUX
hi-230	116	21	related	relate	VERB
hi-230	116	22	to	to	ADP
hi-230	116	23	consumer	consumer	NOUN
hi-230	116	24	protection	protection	NOUN
hi-230	116	25	,	,	PUNCT
hi-230	116	26	systematical	systematical	ADJ
hi-230	116	27	stability	stability	NOUN
hi-230	116	28	,	,	PUNCT
hi-230	116	29	payment	payment	NOUN
hi-230	116	30	system	system	NOUN
hi-230	116	31	and	and	CCONJ
hi-230	116	32	stability	stability	NOUN
hi-230	116	33	of	of	ADP
hi-230	116	34	economists	economist	NOUN
hi-230	116	35	.	.	PUNCT
hi-230	117	1	the	the	DET
hi-230	117	2	aim	aim	NOUN
hi-230	117	3	of	of	ADP
hi-230	117	4	the	the	DET
hi-230	117	5	arrangement	arrangement	NOUN
hi-230	117	6	and	and	CCONJ
hi-230	117	7	supervision	supervision	NOUN
hi-230	117	8	by	by	ADP
hi-230	117	9	ojk	ojk	NOUN
hi-230	117	10	is	be	AUX
hi-230	117	11	to	to	PART
hi-230	117	12	minimize	minimize	VERB
hi-230	117	13	the	the	DET
hi-230	117	14	risks	risk	NOUN
hi-230	117	15	and	and	CCONJ
hi-230	117	16	to	to	PART
hi-230	117	17	support	support	VERB
hi-230	117	18	sustainable	sustainable	ADJ
hi-230	117	19	and	and	CCONJ
hi-230	117	20	stable	stable	ADJ
hi-230	117	21	economic	economic	ADJ
hi-230	117	22	growth	growth	NOUN
hi-230	117	23	.	.	PUNCT
hi-230	118	1	to	to	PART
hi-230	118	2	respond	respond	VERB
hi-230	118	3	to	to	ADP
hi-230	118	4	the	the	DET
hi-230	118	5	current	current	ADJ
hi-230	118	6	fintech	fintech	NOUN
hi-230	118	7	problems	problem	NOUN
hi-230	118	8	the	the	DET
hi-230	118	9	ojk	ojk	NOUN
hi-230	118	10	has	have	AUX
hi-230	118	11	established	establish	VERB
hi-230	118	12	the	the	DET
hi-230	118	13	task	task	NOUN
hi-230	118	14	force	force	NOUN
hi-230	118	15	for	for	ADP
hi-230	118	16	the	the	DET
hi-230	118	17	development	development	NOUN
hi-230	118	18	of	of	ADP
hi-230	118	19	the	the	DET
hi-230	118	20	digital	digital	ADJ
hi-230	118	21	economy	economy	NOUN
hi-230	118	22	and	and	CCONJ
hi-230	118	23	financial	financial	ADJ
hi-230	118	24	innovations	innovation	NOUN
hi-230	118	25	to	to	PART
hi-230	118	26	supervise	supervise	VERB
hi-230	118	27	fintech	fintech	NOUN
hi-230	118	28	and	and	CCONJ
hi-230	118	29	at	at	ADP
hi-230	118	30	the	the	DET
hi-230	118	31	end	end	NOUN
hi-230	118	32	of	of	ADP
hi-230	118	33	2016	2016	NUM
hi-230	118	34	precisely	precisely	ADV
hi-230	118	35	on	on	ADP
hi-230	118	36	29	29	NUM
hi-230	118	37	december	december	PROPN
hi-230	118	38	2016	2016	NUM
hi-230	118	39	,	,	PUNCT
hi-230	118	40	ojk	ojk	NOUN
hi-230	118	41	finally	finally	ADV
hi-230	118	42	issued	issue	VERB
hi-230	118	43	a	a	DET
hi-230	118	44	setting	setting	NOUN
hi-230	118	45	about	about	ADP
hi-230	118	46	fintech	fintech	NOUN
hi-230	118	47	is	be	AUX
hi-230	118	48	regulation	regulation	NOUN
hi-230	118	49	of	of	ADP
hi-230	118	50	ojk	ojk	ADJ
hi-230	118	51	number	number	NOUN
hi-230	118	52	77	77	NUM
hi-230	118	53	/	/	SYM
hi-230	118	54	pojk	pojk	PROPN
hi-230	118	55	.	.	PUNCT
hi-230	119	1	01/2016	01/2016	NUM
hi-230	119	2	on	on	ADP
hi-230	119	3	lending	lending	NOUN
hi-230	119	4	services	service	NOUN
hi-230	119	5	based	base	VERB
hi-230	119	6	on	on	ADP
hi-230	119	7	information	information	NOUN
hi-230	119	8	technology	technology	NOUN
hi-230	119	9	(	(	PUNCT
hi-230	119	10	lpmubti	lpmubti	NOUN
hi-230	119	11	)	)	PUNCT
hi-230	119	12	.	.	PUNCT
hi-230	120	1	the	the	DET
hi-230	120	2	pojk	pojk	PROPN
hi-230	120	3	contains	contain	VERB
hi-230	120	4	rules	rule	NOUN
hi-230	120	5	regarding	regard	VERB
hi-230	120	6	the	the	DET
hi-230	120	7	provision	provision	NOUN
hi-230	120	8	,	,	PUNCT
hi-230	120	9	management	management	NOUN
hi-230	120	10	and	and	CCONJ
hi-230	120	11	operation	operation	NOUN
hi-230	120	12	of	of	ADP
hi-230	120	13	information	information	NOUN
hi-230	120	14	technology	technology	NOUN
hi-230	120	15	-	-	PUNCT
hi-230	120	16	based	base	VERB
hi-230	120	17	money	money	NOUN
hi-230	120	18	borrowing	borrowing	NOUN
hi-230	120	19	services	service	NOUN
hi-230	120	20	.	.	PUNCT
hi-230	121	1	(	(	PUNCT
hi-230	121	2	wijayanti	wijayanti	NOUN
hi-230	121	3	,	,	PUNCT
hi-230	121	4	2018	2018	NUM
hi-230	121	5	)	)	PUNCT
hi-230	121	6	based	base	VERB
hi-230	121	7	on	on	ADP
hi-230	121	8	regulation	regulation	NOUN
hi-230	121	9	of	of	ADP
hi-230	121	10	the	the	DET
hi-230	121	11	financial	financial	ADJ
hi-230	121	12	services	services	PROPN
hi-230	121	13	authority	authority	PROPN
hi-230	121	14	no	no	INTJ
hi-230	121	15	.	.	PROPN
hi-230	121	16	77	77	NUM
hi-230	121	17	/	/	SYM
hi-230	121	18	pojk	pojk	PROPN
hi-230	121	19	.	.	PUNCT
hi-230	122	1	01/2016	01/2016	NUM
hi-230	122	2	:	:	PUNCT
hi-230	122	3	the	the	DET
hi-230	122	4	provider	provider	NOUN
hi-230	122	5	of	of	ADP
hi-230	122	6	borrowing	borrowing	NOUN
hi-230	122	7	and	and	CCONJ
hi-230	122	8	lending	lending	NOUN
hi-230	122	9	services	service	NOUN
hi-230	122	10	based	base	VERB
hi-230	122	11	on	on	ADP
hi-230	122	12	information	information	NOUN
hi-230	122	13	technology	technology	NOUN
hi-230	122	14	must	must	AUX
hi-230	122	15	qualify	qualify	VERB
hi-230	122	16	as	as	SCONJ
hi-230	122	17	follows	follow	VERB
hi-230	122	18	:	:	PUNCT
hi-230	122	19	a	a	X
hi-230	122	20	)	)	PUNCT
hi-230	122	21	indonesian	indonesian	ADJ
hi-230	122	22	citizen	citizen	PROPN
hi-230	122	23	b	b	X
hi-230	122	24	)	)	PUNCT
hi-230	122	25	legal	legal	ADJ
hi-230	122	26	entity	entity	NOUN
hi-230	122	27	of	of	ADP
hi-230	122	28	pt	pt	NOUN
hi-230	122	29	or	or	CCONJ
hi-230	122	30	cooperative	cooperative	ADJ
hi-230	122	31	c	c	NOUN
hi-230	122	32	)	)	PUNCT
hi-230	122	33	modal	modal	ADJ
hi-230	122	34	min	min	PROPN
hi-230	122	35	.	.	PROPN
hi-230	122	36	rp	rp	NOUN
hi-230	122	37	.	.	PROPN
hi-230	123	1	2.500.000.000	2.500.000.000	NUM
hi-230	123	2	type	type	NOUN
hi-230	123	3	of	of	ADP
hi-230	123	4	fintech	fintech	NOUN
hi-230	123	5	services	service	NOUN
hi-230	123	6	in	in	ADP
hi-230	123	7	indonesia	indonesia	PROPN
hi-230	123	8	for	for	ADP
hi-230	123	9	smmb	smmb	ADJ
hi-230	123	10	a.capital	a.capital	ADJ
hi-230	123	11	loans	loan	NOUN
hi-230	123	12	;	;	PUNCT
hi-230	123	13	types	type	NOUN
hi-230	123	14	of	of	ADP
hi-230	123	15	fintech	fintech	NOUN
hi-230	123	16	that	that	PRON
hi-230	123	17	provide	provide	VERB
hi-230	123	18	capital	capital	NOUN
hi-230	123	19	lending	lending	NOUN
hi-230	123	20	services	service	NOUN
hi-230	123	21	with	with	ADP
hi-230	123	22	a	a	DET
hi-230	123	23	simpler	simple	ADJ
hi-230	123	24	filing	filing	NOUN
hi-230	123	25	process	process	NOUN
hi-230	123	26	than	than	ADP
hi-230	123	27	conventional	conventional	ADJ
hi-230	123	28	financial	financial	ADJ
hi-230	123	29	institutions	institution	NOUN
hi-230	123	30	such	such	ADJ
hi-230	123	31	as	as	ADP
hi-230	123	32	banks	bank	NOUN
hi-230	123	33	.	.	PUNCT
hi-230	124	1	without	without	ADP
hi-230	124	2	the	the	DET
hi-230	124	3	need	need	NOUN
hi-230	124	4	to	to	PART
hi-230	124	5	submit	submit	VERB
hi-230	124	6	a	a	DET
hi-230	124	7	guarantee	guarantee	NOUN
hi-230	124	8	or	or	CCONJ
hi-230	124	9	simply	simply	ADV
hi-230	124	10	complete	complete	VERB
hi-230	124	11	some	some	DET
hi-230	124	12	document	document	NOUN
hi-230	124	13	requirements	requirement	NOUN
hi-230	124	14	only	only	ADV
hi-230	124	15	,	,	PUNCT
hi-230	124	16	this	this	DET
hi-230	124	17	online	online	ADJ
hi-230	124	18	lending	lending	NOUN
hi-230	124	19	service	service	NOUN
hi-230	124	20	becomes	become	VERB
hi-230	124	21	an	an	DET
hi-230	124	22	alternative	alternative	NOUN
hi-230	124	23	to	to	ADP
hi-230	124	24	conventional	conventional	ADJ
hi-230	124	25	bank	bank	NOUN
hi-230	124	26	loans	loan	NOUN
hi-230	124	27	or	or	CCONJ
hi-230	124	28	other	other	ADJ
hi-230	124	29	lending	lending	NOUN
hi-230	124	30	companies	company	NOUN
hi-230	124	31	.	.	PUNCT
hi-230	125	1	the	the	DET
hi-230	125	2	loan	loan	NOUN
hi-230	125	3	filed	file	VERB
hi-230	125	4	can	can	AUX
hi-230	125	5	be	be	AUX
hi-230	125	6	liquid	liquid	ADJ
hi-230	125	7	in	in	ADP
hi-230	125	8	a	a	DET
hi-230	125	9	relatively	relatively	ADV
hi-230	125	10	short	short	ADJ
hi-230	125	11	period	period	NOUN
hi-230	125	12	of	of	ADP
hi-230	125	13	less	less	ADJ
hi-230	125	14	than	than	ADP
hi-230	125	15	a	a	PRON
hi-230	125	16	week	week	NOUN
hi-230	125	17	.	.	PUNCT
hi-230	126	1	b	b	X
hi-230	126	2	)	)	PUNCT
hi-230	126	3	digital	digital	ADJ
hi-230	126	4	payment	payment	NOUN
hi-230	126	5	services	service	NOUN
hi-230	126	6	;	;	PUNCT
hi-230	126	7	this	this	DET
hi-230	126	8	type	type	NOUN
hi-230	126	9	of	of	ADP
hi-230	126	10	fintech	fintech	NOUN
hi-230	126	11	with	with	ADP
hi-230	126	12	payment	payment	NOUN
hi-230	126	13	process	process	NOUN
hi-230	126	14	is	be	AUX
hi-230	126	15	easy	easy	ADJ
hi-230	126	16	and	and	CCONJ
hi-230	126	17	safe	safe	ADJ
hi-230	126	18	,	,	PUNCT
hi-230	126	19	so	so	SCONJ
hi-230	126	20	it	it	PRON
hi-230	126	21	is	be	AUX
hi-230	126	22	able	able	ADJ
hi-230	126	23	to	to	PART
hi-230	126	24	attract	attract	VERB
hi-230	126	25	more	more	ADJ
hi-230	126	26	consumers	consumer	NOUN
hi-230	126	27	and	and	CCONJ
hi-230	126	28	provide	provide	VERB
hi-230	126	29	benefits	benefit	NOUN
hi-230	126	30	for	for	ADP
hi-230	126	31	business	business	NOUN
hi-230	126	32	people	people	NOUN
hi-230	126	33	.	.	PUNCT
hi-230	127	1	one	one	NUM
hi-230	127	2	of	of	ADP
hi-230	127	3	the	the	DET
hi-230	127	4	fintech	fintech	NOUN
hi-230	127	5	that	that	PRON
hi-230	127	6	provides	provide	VERB
hi-230	127	7	digital	digital	ADJ
hi-230	127	8	payment	payment	NOUN
hi-230	127	9	system	system	NOUN
hi-230	127	10	is	be	AUX
hi-230	127	11	a	a	DET
hi-230	127	12	genius	genius	NOUN
hi-230	127	13	application	application	NOUN
hi-230	127	14	that	that	PRON
hi-230	127	15	synergizes	synergize	VERB
hi-230	127	16	with	with	ADP
hi-230	127	17	online	online	ADJ
hi-230	127	18	transportation	transportation	NOUN
hi-230	127	19	services	service	NOUN
hi-230	127	20	company	company	NOUN
hi-230	127	21	.	.	PUNCT
hi-230	128	1	jenius	jenius	PROPN
hi-230	128	2	provides	provide	VERB
hi-230	128	3	a	a	DET
hi-230	128	4	rebate	rebate	NOUN
hi-230	128	5	for	for	ADP
hi-230	128	6	customers	customer	NOUN
hi-230	128	7	who	who	PRON
hi-230	128	8	use	use	VERB
hi-230	128	9	the	the	DET
hi-230	128	10	payment	payment	NOUN
hi-230	128	11	option	option	NOUN
hi-230	128	12	with	with	ADP
hi-230	128	13	the	the	DET
hi-230	128	14	application	application	NOUN
hi-230	128	15	.	.	PUNCT
hi-230	129	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	129	2	hamdard	hamdard	ADJ
hi-230	129	3	islamicus	islamicus	PROPN
hi-230	129	4	,	,	PUNCT
hi-230	129	5	vol	vol	NOUN
hi-230	129	6	.	.	PROPN
hi-230	130	1	43	43	NUM
hi-230	130	2	no	no	NOUN
hi-230	130	3	.	.	PUNCT
hi-230	130	4	s.2	s.2	X
hi-230	130	5	(	(	PUNCT
hi-230	130	6	2020	2020	NUM
hi-230	130	7	)	)	PUNCT
hi-230	130	8	,	,	PUNCT
hi-230	130	9	850	850	NUM
hi-230	130	10	861	861	NUM
hi-230	130	11	857	857	NUM
hi-230	130	12	issn	issn	PROPN
hi-230	130	13	:	:	PUNCT
hi-230	130	14	0250	0250	NUM
hi-230	130	15	c	c	X
hi-230	130	16	)	)	PUNCT
hi-230	130	17	financial	financial	ADJ
hi-230	130	18	arrangements	arrangement	NOUN
hi-230	130	19	services	service	NOUN
hi-230	130	20	;	;	PUNCT
hi-230	130	21	types	type	NOUN
hi-230	130	22	of	of	ADP
hi-230	130	23	fintech	fintech	NOUN
hi-230	130	24	that	that	PRON
hi-230	130	25	offer	offer	VERB
hi-230	130	26	financial	financial	ADJ
hi-230	130	27	management	management	NOUN
hi-230	130	28	services	service	NOUN
hi-230	130	29	.	.	PUNCT
hi-230	131	1	this	this	DET
hi-230	131	2	service	service	NOUN
hi-230	131	3	aims	aim	VERB
hi-230	131	4	to	to	PART
hi-230	131	5	assist	assist	VERB
hi-230	131	6	smmb	smmb	NOUN
hi-230	131	7	businessmen	businessman	NOUN
hi-230	131	8	in	in	ADP
hi-230	131	9	managing	manage	VERB
hi-230	131	10	the	the	DET
hi-230	131	11	company	company	NOUN
hi-230	131	12	's	's	PART
hi-230	131	13	finances	finance	NOUN
hi-230	131	14	.	.	PUNCT
hi-230	132	1	services	service	NOUN
hi-230	132	2	provided	provide	VERB
hi-230	132	3	include	include	VERB
hi-230	132	4	budget	budget	NOUN
hi-230	132	5	creation	creation	NOUN
hi-230	132	6	,	,	PUNCT
hi-230	132	7	expense	expense	NOUN
hi-230	132	8	recording	recording	NOUN
hi-230	132	9	,	,	PUNCT
hi-230	132	10	investment	investment	NOUN
hi-230	132	11	performance	performance	NOUN
hi-230	132	12	monitoring	monitoring	NOUN
hi-230	132	13	,	,	PUNCT
hi-230	132	14	and	and	CCONJ
hi-230	132	15	free	free	ADJ
hi-230	132	16	financial	financial	ADJ
hi-230	132	17	consulting	consulting	NOUN
hi-230	132	18	.	.	PUNCT
hi-230	133	1	some	some	DET
hi-230	133	2	fintech	fintech	NOUN
hi-230	133	3	companies	company	NOUN
hi-230	133	4	provide	provide	VERB
hi-230	133	5	financial	financial	ADJ
hi-230	133	6	management	management	NOUN
hi-230	133	7	services	service	NOUN
hi-230	133	8	such	such	ADJ
hi-230	133	9	as	as	ADP
hi-230	133	10	healthy	healthy	ADJ
hi-230	133	11	wallets	wallet	NOUN
hi-230	133	12	and	and	CCONJ
hi-230	133	13	ngaturduit.com	ngaturduit.com	X
hi-230	133	14	fintech	fintech	NOUN
hi-230	133	15	p2p	p2p	NOUN
hi-230	133	16	lending	lending	NOUN
hi-230	133	17	solutions	solution	NOUN
hi-230	133	18	and	and	CCONJ
hi-230	133	19	optimization	optimization	NOUN
hi-230	133	20	of	of	ADP
hi-230	133	21	smmb	smmb	PROPN
hi-230	133	22	capital	capital	PROPN
hi-230	133	23	peer	peer	NOUN
hi-230	133	24	-	-	PUNCT
hi-230	133	25	to	to	ADP
hi-230	133	26	-	-	PUNCT
hi-230	133	27	peer	peer	NOUN
hi-230	133	28	lending	lending	NOUN
hi-230	133	29	or	or	CCONJ
hi-230	133	30	commonly	commonly	ADV
hi-230	133	31	abbreviated	abbreviate	VERB
hi-230	133	32	p2p	p2p	NOUN
hi-230	133	33	lending	lending	NOUN
hi-230	133	34	,	,	PUNCT
hi-230	133	35	is	be	AUX
hi-230	133	36	an	an	DET
hi-230	133	37	online	online	ADV
hi-230	133	38	based	base	VERB
hi-230	133	39	container	container	NOUN
hi-230	133	40	that	that	PRON
hi-230	133	41	brings	bring	VERB
hi-230	133	42	together	together	ADV
hi-230	133	43	a	a	DET
hi-230	133	44	lot	lot	NOUN
hi-230	133	45	of	of	ADP
hi-230	133	46	people	people	NOUN
hi-230	133	47	who	who	PRON
hi-230	133	48	need	need	VERB
hi-230	133	49	a	a	DET
hi-230	133	50	loan	loan	NOUN
hi-230	133	51	(	(	PUNCT
hi-230	133	52	borrower	borrower	NOUN
hi-230	133	53	)	)	PUNCT
hi-230	133	54	with	with	ADP
hi-230	133	55	many	many	ADJ
hi-230	133	56	others	other	NOUN
hi-230	133	57	who	who	PRON
hi-230	133	58	are	be	AUX
hi-230	133	59	willing	willing	ADJ
hi-230	133	60	to	to	PART
hi-230	133	61	give	give	VERB
hi-230	133	62	a	a	DET
hi-230	133	63	loan	loan	NOUN
hi-230	133	64	(	(	PUNCT
hi-230	133	65	investor	investor	NOUN
hi-230	133	66	)	)	PUNCT
hi-230	133	67	.	.	PUNCT
hi-230	134	1	p2p	p2p	NOUN
hi-230	134	2	lending	lending	NOUN
hi-230	134	3	systems	system	NOUN
hi-230	134	4	that	that	PRON
hi-230	134	5	run	run	VERB
hi-230	134	6	fully	fully	ADV
hi-230	134	7	online	online	ADV
hi-230	134	8	based	base	VERB
hi-230	134	9	make	make	VERB
hi-230	134	10	p2p	p2p	NOUN
hi-230	134	11	lending	lending	NOUN
hi-230	134	12	service	service	NOUN
hi-230	134	13	companies	company	NOUN
hi-230	134	14	can	can	AUX
hi-230	134	15	run	run	VERB
hi-230	134	16	with	with	ADP
hi-230	134	17	inexpensive	inexpensive	ADJ
hi-230	134	18	operational	operational	ADJ
hi-230	134	19	costs	cost	NOUN
hi-230	134	20	and	and	CCONJ
hi-230	134	21	offer	offer	VERB
hi-230	134	22	their	their	PRON
hi-230	134	23	services	service	NOUN
hi-230	134	24	at	at	ADP
hi-230	134	25	a	a	DET
hi-230	134	26	much	much	ADV
hi-230	134	27	cheaper	cheap	ADJ
hi-230	134	28	cost	cost	NOUN
hi-230	134	29	compared	compare	VERB
hi-230	134	30	to	to	ADP
hi-230	134	31	ordinary	ordinary	ADJ
hi-230	134	32	banking	banking	NOUN
hi-230	134	33	companies	company	NOUN
hi-230	134	34	.	.	PUNCT
hi-230	135	1	as	as	ADP
hi-230	135	2	a	a	DET
hi-230	135	3	result	result	NOUN
hi-230	135	4	,	,	PUNCT
hi-230	135	5	lenders	lender	NOUN
hi-230	135	6	will	will	AUX
hi-230	135	7	later	later	ADV
hi-230	135	8	be	be	AUX
hi-230	135	9	able	able	ADJ
hi-230	135	10	to	to	PART
hi-230	135	11	reap	reap	VERB
hi-230	135	12	greater	great	ADJ
hi-230	135	13	profits	profit	NOUN
hi-230	135	14	than	than	ADP
hi-230	135	15	the	the	DET
hi-230	135	16	profit	profit	NOUN
hi-230	135	17	they	they	PRON
hi-230	135	18	can	can	AUX
hi-230	135	19	if	if	SCONJ
hi-230	135	20	it	it	PRON
hi-230	135	21	is	be	AUX
hi-230	135	22	just	just	ADV
hi-230	135	23	to	to	PART
hi-230	135	24	follow	follow	VERB
hi-230	135	25	the	the	DET
hi-230	135	26	savings	saving	NOUN
hi-230	135	27	and	and	CCONJ
hi-230	135	28	investment	investment	NOUN
hi-230	135	29	programs	program	NOUN
hi-230	135	30	offered	offer	VERB
hi-230	135	31	by	by	ADP
hi-230	135	32	ordinary	ordinary	ADJ
hi-230	135	33	financial	financial	ADJ
hi-230	135	34	institutions	institution	NOUN
hi-230	135	35	.	.	PUNCT
hi-230	136	1	not	not	PART
hi-230	136	2	only	only	ADV
hi-230	136	3	lenders	lender	NOUN
hi-230	136	4	,	,	PUNCT
hi-230	136	5	borrowers	borrower	NOUN
hi-230	136	6	can	can	AUX
hi-230	136	7	also	also	ADV
hi-230	136	8	feel	feel	VERB
hi-230	136	9	the	the	DET
hi-230	136	10	advantage	advantage	NOUN
hi-230	136	11	if	if	SCONJ
hi-230	136	12	they	they	PRON
hi-230	136	13	borrow	borrow	VERB
hi-230	136	14	money	money	NOUN
hi-230	136	15	borrowed	borrow	VERB
hi-230	136	16	through	through	ADP
hi-230	136	17	p2p	p2p	NOUN
hi-230	136	18	lending	lending	NOUN
hi-230	136	19	.	.	PUNCT
hi-230	137	1	the	the	DET
hi-230	137	2	borrowers	borrower	NOUN
hi-230	137	3	can	can	AUX
hi-230	137	4	borrow	borrow	VERB
hi-230	137	5	money	money	NOUN
hi-230	137	6	with	with	ADP
hi-230	137	7	low	low	ADJ
hi-230	137	8	interest	interest	NOUN
hi-230	137	9	rates	rate	NOUN
hi-230	137	10	,	,	PUNCT
hi-230	137	11	even	even	ADV
hi-230	137	12	after	after	SCONJ
hi-230	137	13	the	the	DET
hi-230	137	14	company	company	NOUN
hi-230	137	15	's	's	PART
hi-230	137	16	p2p	p2p	NOUN
hi-230	137	17	lending	lending	NOUN
hi-230	137	18	service	service	NOUN
hi-230	137	19	providers	provider	NOUN
hi-230	137	20	already	already	ADV
hi-230	137	21	cut	cut	VERB
hi-230	137	22	their	their	PRON
hi-230	137	23	service	service	NOUN
hi-230	137	24	fees	fee	NOUN
hi-230	137	25	,	,	PUNCT
hi-230	137	26	such	such	ADJ
hi-230	137	27	as	as	ADP
hi-230	137	28	platform	platform	NOUN
hi-230	137	29	fees	fee	NOUN
hi-230	137	30	and	and	CCONJ
hi-230	137	31	checking	check	VERB
hi-230	137	32	the	the	DET
hi-230	137	33	financial	financial	ADJ
hi-230	137	34	condition	condition	NOUN
hi-230	137	35	of	of	ADP
hi-230	137	36	the	the	DET
hi-230	137	37	borrower	borrower	NOUN
hi-230	137	38	.	.	PUNCT
hi-230	138	1	peer	peer	NOUN
hi-230	138	2	-	-	PUNCT
hi-230	138	3	to	to	ADP
hi-230	138	4	-	-	PUNCT
hi-230	138	5	peer	peer	NOUN
hi-230	138	6	lending	lending	NOUN
hi-230	138	7	itself	itself	PRON
hi-230	138	8	is	be	AUX
hi-230	138	9	a	a	DET
hi-230	138	10	business	business	NOUN
hi-230	138	11	phenomenon	phenomenon	NOUN
hi-230	138	12	that	that	PRON
hi-230	138	13	is	be	AUX
hi-230	138	14	currently	currently	ADV
hi-230	138	15	occurring	occur	VERB
hi-230	138	16	in	in	ADP
hi-230	138	17	almost	almost	ADV
hi-230	138	18	all	all	PRON
hi-230	138	19	countries	country	NOUN
hi-230	138	20	.	.	PUNCT
hi-230	139	1	access	access	NOUN
hi-230	139	2	to	to	ADP
hi-230	139	3	banking	banking	NOUN
hi-230	139	4	that	that	PRON
hi-230	139	5	is	be	AUX
hi-230	139	6	still	still	ADV
hi-230	139	7	not	not	PART
hi-230	139	8	able	able	ADJ
hi-230	139	9	to	to	PART
hi-230	139	10	receive	receive	VERB
hi-230	139	11	and	and	CCONJ
hi-230	139	12	still	still	ADV
hi-230	139	13	many	many	ADJ
hi-230	139	14	smmb	smmb	NOUN
hi-230	139	15	who	who	PRON
hi-230	139	16	can	can	AUX
hi-230	139	17	not	not	PART
hi-230	139	18	obtain	obtain	VERB
hi-230	139	19	financial	financial	ADJ
hi-230	139	20	services	service	NOUN
hi-230	139	21	,	,	PUNCT
hi-230	139	22	utilized	utilize	VERB
hi-230	139	23	by	by	ADP
hi-230	139	24	the	the	DET
hi-230	139	25	perpetrators	perpetrator	NOUN
hi-230	139	26	of	of	ADP
hi-230	139	27	p2p	p2p	NOUN
hi-230	139	28	lending	lending	NOUN
hi-230	139	29	as	as	ADP
hi-230	139	30	an	an	DET
hi-230	139	31	opportunity	opportunity	NOUN
hi-230	139	32	.	.	PUNCT
hi-230	140	1	thus	thus	ADV
hi-230	140	2	,	,	PUNCT
hi-230	140	3	fintech	fintech	NOUN
hi-230	140	4	can	can	AUX
hi-230	140	5	be	be	AUX
hi-230	140	6	the	the	DET
hi-230	140	7	solution	solution	NOUN
hi-230	140	8	and	and	CCONJ
hi-230	140	9	answer	answer	VERB
hi-230	140	10	to	to	ADP
hi-230	140	11	the	the	DET
hi-230	140	12	problems	problem	NOUN
hi-230	140	13	of	of	ADP
hi-230	140	14	access	access	NOUN
hi-230	140	15	to	to	ADP
hi-230	140	16	business	business	NOUN
hi-230	140	17	capital	capital	NOUN
hi-230	140	18	loans	loan	NOUN
hi-230	140	19	.	.	PUNCT
hi-230	141	1	in	in	ADP
hi-230	141	2	addition	addition	NOUN
hi-230	141	3	to	to	ADP
hi-230	141	4	the	the	DET
hi-230	141	5	ease	ease	NOUN
hi-230	141	6	of	of	ADP
hi-230	141	7	submitting	submit	VERB
hi-230	141	8	loans	loan	NOUN
hi-230	141	9	,	,	PUNCT
hi-230	141	10	security	security	NOUN
hi-230	141	11	issues	issue	NOUN
hi-230	141	12	have	have	AUX
hi-230	141	13	also	also	ADV
hi-230	141	14	been	be	AUX
hi-230	141	15	secured	secure	VERB
hi-230	141	16	by	by	ADP
hi-230	141	17	the	the	DET
hi-230	141	18	government	government	NOUN
hi-230	141	19	.	.	PUNCT
hi-230	142	1	this	this	PRON
hi-230	142	2	can	can	AUX
hi-230	142	3	be	be	AUX
hi-230	142	4	seen	see	VERB
hi-230	142	5	with	with	ADP
hi-230	142	6	the	the	DET
hi-230	142	7	founding	founding	NOUN
hi-230	142	8	of	of	ADP
hi-230	142	9	fintech	fintech	NOUN
hi-230	142	10	technology	technology	NOUN
hi-230	142	11	office	office	NOUN
hi-230	142	12	by	by	ADP
hi-230	142	13	bank	bank	PROPN
hi-230	142	14	indonesia	indonesia	PROPN
hi-230	142	15	.	.	PUNCT
hi-230	143	1	through	through	ADP
hi-230	143	2	this	this	DET
hi-230	143	3	institute	institute	NOUN
hi-230	143	4	,	,	PUNCT
hi-230	143	5	bank	bank	PROPN
hi-230	143	6	indonesia	indonesia	PROPN
hi-230	143	7	can	can	AUX
hi-230	143	8	supervise	supervise	VERB
hi-230	143	9	and	and	CCONJ
hi-230	143	10	regulate	regulate	VERB
hi-230	143	11	the	the	DET
hi-230	143	12	regulation	regulation	NOUN
hi-230	143	13	on	on	ADP
hi-230	143	14	fintech	fintech	NOUN
hi-230	143	15	in	in	ADP
hi-230	143	16	indonesia	indonesia	PROPN
hi-230	143	17	.	.	PUNCT
hi-230	144	1	fintech	fintech	PROPN
hi-230	144	2	present	present	NOUN
hi-230	144	3	provides	provide	VERB
hi-230	144	4	capital	capital	NOUN
hi-230	144	5	lending	lending	NOUN
hi-230	144	6	services	service	NOUN
hi-230	144	7	with	with	ADP
hi-230	144	8	a	a	DET
hi-230	144	9	simpler	simple	ADJ
hi-230	144	10	filing	filing	NOUN
hi-230	144	11	process	process	NOUN
hi-230	144	12	than	than	ADP
hi-230	144	13	conventional	conventional	ADJ
hi-230	144	14	financial	financial	ADJ
hi-230	144	15	institutions	institution	NOUN
hi-230	144	16	such	such	ADJ
hi-230	144	17	as	as	ADP
hi-230	144	18	banks	bank	NOUN
hi-230	144	19	,	,	PUNCT
hi-230	144	20	so	so	SCONJ
hi-230	144	21	p2p	p2p	NOUN
hi-230	144	22	is	be	AUX
hi-230	144	23	lending	lend	VERB
hi-230	144	24	as	as	ADP
hi-230	144	25	an	an	DET
hi-230	144	26	alternative	alternative	NOUN
hi-230	144	27	to	to	ADP
hi-230	144	28	capital	capital	NOUN
hi-230	144	29	lending	lending	NOUN
hi-230	144	30	.	.	PUNCT
hi-230	145	1	p2p	p2p	NOUN
hi-230	145	2	lending	lending	NOUN
hi-230	145	3	is	be	AUX
hi-230	145	4	here	here	ADV
hi-230	145	5	to	to	PART
hi-230	145	6	solve	solve	VERB
hi-230	145	7	the	the	DET
hi-230	145	8	problem	problem	NOUN
hi-230	145	9	of	of	ADP
hi-230	145	10	"	"	PUNCT
hi-230	145	11	the	the	DET
hi-230	145	12	missing	missing	ADJ
hi-230	145	13	middle	middle	NOUN
hi-230	145	14	"	"	PUNCT
hi-230	145	15	in	in	ADP
hi-230	145	16	communities	community	NOUN
hi-230	145	17	and	and	CCONJ
hi-230	145	18	smmb	smmb	NOUN
hi-230	145	19	that	that	PRON
hi-230	145	20	have	have	VERB
hi-230	145	21	a	a	DET
hi-230	145	22	growing	grow	VERB
hi-230	145	23	capacity	capacity	NOUN
hi-230	145	24	but	but	CCONJ
hi-230	145	25	lack	lack	NOUN
hi-230	145	26	of	of	ADP
hi-230	145	27	access	access	NOUN
hi-230	145	28	to	to	ADP
hi-230	145	29	funding	funding	NOUN
hi-230	145	30	.	.	PUNCT
hi-230	146	1	the	the	DET
hi-230	146	2	community	community	NOUN
hi-230	146	3	includes	include	VERB
hi-230	146	4	smmb	smmb	NOUN
hi-230	146	5	that	that	PRON
hi-230	146	6	have	have	VERB
hi-230	146	7	the	the	DET
hi-230	146	8	capacity	capacity	NOUN
hi-230	146	9	to	to	PART
hi-230	146	10	develop	develop	VERB
hi-230	146	11	and	and	CCONJ
hi-230	146	12	need	need	VERB
hi-230	146	13	funding	funding	NOUN
hi-230	146	14	.	.	PUNCT
hi-230	147	1	we	we	PRON
hi-230	147	2	call	call	VERB
hi-230	147	3	this	this	DET
hi-230	147	4	community	community	NOUN
hi-230	147	5	segment	segment	NOUN
hi-230	147	6	"	"	PUNCT
hi-230	147	7	the	the	DET
hi-230	147	8	missing	missing	ADJ
hi-230	147	9	middle	middle	NOUN
hi-230	147	10	"	"	PUNCT
hi-230	147	11	.	.	PUNCT
hi-230	148	1	the	the	DET
hi-230	148	2	role	role	NOUN
hi-230	148	3	of	of	ADP
hi-230	148	4	p2p	p2p	NOUN
hi-230	148	5	lending	lend	VERB
hi-230	148	6	to	to	PART
hi-230	148	7	marry	marry	VERB
hi-230	148	8	a	a	DET
hi-230	148	9	community	community	NOUN
hi-230	148	10	that	that	PRON
hi-230	148	11	has	have	AUX
hi-230	148	12	not	not	PART
hi-230	148	13	been	be	AUX
hi-230	148	14	bankable	bankable	ADJ
hi-230	148	15	.	.	PUNCT
hi-230	149	1	"	"	PUNCT
hi-230	149	2	the	the	DET
hi-230	149	3	missing	missing	ADJ
hi-230	149	4	middle	middle	NOUN
hi-230	149	5	"	"	PUNCT
hi-230	149	6	requires	require	VERB
hi-230	149	7	financial	financial	ADJ
hi-230	149	8	inclusion	inclusion	NOUN
hi-230	149	9	,	,	PUNCT
hi-230	149	10	such	such	ADJ
hi-230	149	11	as	as	ADP
hi-230	149	12	funding	funding	NOUN
hi-230	149	13	,	,	PUNCT
hi-230	149	14	but	but	CCONJ
hi-230	149	15	still	still	ADV
hi-230	149	16	has	have	VERB
hi-230	149	17	enough	enough	ADJ
hi-230	149	18	track	track	NOUN
hi-230	149	19	record	record	NOUN
hi-230	149	20	to	to	PART
hi-230	149	21	get	get	VERB
hi-230	149	22	credit	credit	NOUN
hi-230	149	23	from	from	ADP
hi-230	149	24	the	the	DET
hi-230	149	25	bank	bank	NOUN
hi-230	149	26	.	.	PUNCT
hi-230	150	1	in	in	ADP
hi-230	150	2	the	the	DET
hi-230	150	3	presence	presence	NOUN
hi-230	150	4	of	of	ADP
hi-230	150	5	fintech	fintech	NOUN
hi-230	150	6	p2p	p2p	NOUN
hi-230	150	7	lending	lending	NOUN
hi-230	150	8	platform	platform	NOUN
hi-230	150	9	will	will	AUX
hi-230	150	10	help	help	VERB
hi-230	150	11	smmb	smmb	VERB
hi-230	150	12	to	to	PART
hi-230	150	13	gain	gain	VERB
hi-230	150	14	financial	financial	ADJ
hi-230	150	15	access	access	NOUN
hi-230	150	16	.	.	PUNCT
hi-230	151	1	(	(	PUNCT
hi-230	151	2	rumondang	rumondang	PROPN
hi-230	151	3	,	,	PUNCT
hi-230	151	4	2018	2018	NUM
hi-230	151	5	)	)	PUNCT
hi-230	152	1	how	how	SCONJ
hi-230	152	2	is	be	AUX
hi-230	152	3	peer	peer	NOUN
hi-230	152	4	to	to	ADP
hi-230	152	5	peer	peer	NOUN
hi-230	152	6	lending	lending	NOUN
hi-230	152	7	fintech	fintech	NOUN
hi-230	152	8	distribution	distribution	NOUN
hi-230	152	9	process	process	NOUN
hi-230	152	10	?	?	PUNCT
hi-230	153	1	the	the	DET
hi-230	153	2	distribution	distribution	NOUN
hi-230	153	3	process	process	NOUN
hi-230	153	4	of	of	ADP
hi-230	153	5	peer	peer	NOUN
hi-230	153	6	to	to	ADP
hi-230	153	7	peer	peer	NOUN
hi-230	153	8	lending	lending	NOUN
hi-230	153	9	is	be	AUX
hi-230	153	10	often	often	ADV
hi-230	153	11	the	the	DET
hi-230	153	12	case	case	NOUN
hi-230	153	13	of	of	ADP
hi-230	153	14	capital	capital	NOUN
hi-230	153	15	loans	loan	NOUN
hi-230	153	16	;	;	PUNCT
hi-230	153	17	where	where	SCONJ
hi-230	153	18	the	the	DET
hi-230	153	19	community	community	NOUN
hi-230	153	20	is	be	AUX
hi-230	153	21	quite	quite	ADV
hi-230	153	22	qualified	qualified	ADJ
hi-230	153	23	such	such	ADJ
hi-230	153	24	as	as	ADP
hi-230	153	25	the	the	DET
hi-230	153	26	completeness	completeness	NOUN
hi-230	153	27	of	of	ADP
hi-230	153	28	files	file	NOUN
hi-230	153	29	that	that	PRON
hi-230	153	30	relate	relate	VERB
hi-230	153	31	to	to	ADP
hi-230	153	32	personal	personal	ADJ
hi-230	153	33	data	datum	NOUN
hi-230	153	34	and	and	CCONJ
hi-230	153	35	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	153	36	hamdard	hamdard	PROPN
hi-230	153	37	islamicus	islamicus	NOUN
hi-230	153	38	,	,	PUNCT
hi-230	153	39	vol	vol	NOUN
hi-230	153	40	.	.	PROPN
hi-230	154	1	43	43	NUM
hi-230	154	2	no	no	NOUN
hi-230	154	3	.	.	PUNCT
hi-230	154	4	s.2	s.2	X
hi-230	154	5	(	(	PUNCT
hi-230	154	6	2020	2020	NUM
hi-230	154	7	)	)	PUNCT
hi-230	154	8	,	,	PUNCT
hi-230	154	9	850	850	NUM
hi-230	154	10	861	861	NUM
hi-230	154	11	858	858	NUM
hi-230	154	12	issn	issn	X
hi-230	154	13	:	:	PUNCT
hi-230	154	14	0250	0250	NUM
hi-230	154	15	business	business	NOUN
hi-230	154	16	,	,	PUNCT
hi-230	154	17	but	but	CCONJ
hi-230	154	18	according	accord	VERB
hi-230	154	19	to	to	ADP
hi-230	154	20	there	there	PRON
hi-230	154	21	are	be	VERB
hi-230	154	22	5	5	NUM
hi-230	154	23	ways	way	NOUN
hi-230	154	24	for	for	ADP
hi-230	154	25	community	community	NOUN
hi-230	154	26	in	in	ADP
hi-230	154	27	using	use	VERB
hi-230	154	28	(	(	PUNCT
hi-230	154	29	pasha	pasha	PROPN
hi-230	154	30	,	,	PUNCT
hi-230	154	31	2018	2018	NUM
hi-230	154	32	)	)	PUNCT
hi-230	154	33	fintech	fintech	NOUN
hi-230	154	34	peer	peer	NOUN
hi-230	154	35	to	to	ADP
hi-230	154	36	peer	peer	NOUN
hi-230	154	37	lending	lending	NOUN
hi-230	154	38	is	be	AUX
hi-230	154	39	as	as	SCONJ
hi-230	154	40	follows	follow	VERB
hi-230	154	41	;	;	PUNCT
hi-230	154	42	1	1	X
hi-230	154	43	.	.	X
hi-230	154	44	select	select	ADJ
hi-230	154	45	fintech	fintech	NOUN
hi-230	154	46	lending	lending	NOUN
hi-230	154	47	registered	register	VERB
hi-230	154	48	in	in	ADP
hi-230	154	49	ojk	ojk	NOUN
hi-230	154	50	2	2	NUM
hi-230	154	51	.	.	PUNCT
hi-230	154	52	apply	apply	VERB
hi-230	154	53	for	for	ADP
hi-230	154	54	loan	loan	NOUN
hi-230	154	55	as	as	SCONJ
hi-230	154	56	needed	need	VERB
hi-230	154	57	3	3	NUM
hi-230	154	58	.	.	X
hi-230	155	1	do	do	VERB
hi-230	155	2	regular	regular	ADJ
hi-230	155	3	market	market	NOUN
hi-230	155	4	research	research	NOUN
hi-230	155	5	4	4	NUM
hi-230	155	6	.	.	PUNCT
hi-230	156	1	enhance	enhance	NOUN
hi-230	156	2	creativity	creativity	NOUN
hi-230	156	3	and	and	CCONJ
hi-230	156	4	dare	dare	VERB
hi-230	156	5	to	to	PART
hi-230	156	6	innovate	innovate	VERB
hi-230	156	7	5	5	NUM
hi-230	156	8	.	.	PUNCT
hi-230	157	1	perform	perform	VERB
hi-230	157	2	promotions	promotion	NOUN
hi-230	157	3	appropriately	appropriately	ADV
hi-230	157	4	it	it	PRON
hi-230	157	5	is	be	AUX
hi-230	157	6	necessary	necessary	ADJ
hi-230	157	7	to	to	PART
hi-230	157	8	understand	understand	VERB
hi-230	157	9	and	and	CCONJ
hi-230	157	10	applied	apply	VERB
hi-230	157	11	by	by	ADP
hi-230	157	12	the	the	DET
hi-230	157	13	community	community	NOUN
hi-230	157	14	,	,	PUNCT
hi-230	157	15	especially	especially	ADV
hi-230	157	16	smmb	smmb	NOUN
hi-230	157	17	in	in	ADP
hi-230	157	18	the	the	DET
hi-230	157	19	effort	effort	NOUN
hi-230	157	20	to	to	PART
hi-230	157	21	avoid	avoid	VERB
hi-230	157	22	the	the	DET
hi-230	157	23	fraud	fraud	NOUN
hi-230	157	24	that	that	PRON
hi-230	157	25	is	be	AUX
hi-230	157	26	not	not	PART
hi-230	157	27	responsible	responsible	ADJ
hi-230	157	28	group	group	NOUN
hi-230	157	29	.	.	PUNCT
hi-230	158	1	how	how	SCONJ
hi-230	158	2	does	do	AUX
hi-230	158	3	the	the	DET
hi-230	158	4	financial	financial	ADJ
hi-230	158	5	services	service	NOUN
hi-230	158	6	authority	authority	NOUN
hi-230	158	7	monitor	monitor	NOUN
hi-230	158	8	fintech	fintech	NOUN
hi-230	158	9	implementation	implementation	NOUN
hi-230	158	10	?	?	PUNCT
hi-230	159	1	the	the	DET
hi-230	159	2	activity	activity	NOUN
hi-230	159	3	of	of	ADP
hi-230	159	4	borrowing	borrow	VERB
hi-230	159	5	money	money	NOUN
hi-230	159	6	directly	directly	ADV
hi-230	159	7	based	base	VERB
hi-230	159	8	on	on	ADP
hi-230	159	9	the	the	DET
hi-230	159	10	agreement	agreement	NOUN
hi-230	159	11	either	either	CCONJ
hi-230	159	12	written	write	VERB
hi-230	159	13	or	or	CCONJ
hi-230	159	14	unwritten	unwritten	ADJ
hi-230	159	15	is	be	AUX
hi-230	159	16	a	a	DET
hi-230	159	17	practice	practice	NOUN
hi-230	159	18	that	that	PRON
hi-230	159	19	has	have	AUX
hi-230	159	20	been	be	AUX
hi-230	159	21	held	hold	VERB
hi-230	159	22	in	in	ADP
hi-230	159	23	the	the	DET
hi-230	159	24	midst	midst	NOUN
hi-230	159	25	of	of	ADP
hi-230	159	26	community	community	NOUN
hi-230	159	27	life	life	NOUN
hi-230	159	28	.	.	PUNCT
hi-230	160	1	money	money	NOUN
hi-230	160	2	lending	lending	NOUN
hi-230	160	3	services	service	NOUN
hi-230	160	4	based	base	VERB
hi-230	160	5	on	on	ADP
hi-230	160	6	information	information	NOUN
hi-230	160	7	technology	technology	NOUN
hi-230	160	8	is	be	AUX
hi-230	160	9	very	very	ADV
hi-230	160	10	helpful	helpful	ADJ
hi-230	160	11	in	in	ADP
hi-230	160	12	improving	improve	VERB
hi-230	160	13	public	public	ADJ
hi-230	160	14	access	access	NOUN
hi-230	160	15	to	to	ADP
hi-230	160	16	financial	financial	ADJ
hi-230	160	17	services	service	NOUN
hi-230	160	18	products	product	NOUN
hi-230	160	19	online	online	ADV
hi-230	160	20	both	both	CCONJ
hi-230	160	21	with	with	ADP
hi-230	160	22	various	various	ADJ
hi-230	160	23	parties	party	NOUN
hi-230	160	24	without	without	ADP
hi-230	160	25	needing	need	VERB
hi-230	160	26	to	to	PART
hi-230	160	27	know	know	VERB
hi-230	160	28	each	each	DET
hi-230	160	29	other	other	ADJ
hi-230	160	30	.	.	PUNCT
hi-230	161	1	based	base	VERB
hi-230	161	2	on	on	ADP
hi-230	161	3	ojk	ojk	NUM
hi-230	161	4	regulation	regulation	NOUN
hi-230	161	5	no	no	INTJ
hi-230	161	6	.	.	PUNCT
hi-230	161	7	77	77	NUM
hi-230	161	8	/	/	SYM
hi-230	161	9	pojk	pojk	PROPN
hi-230	161	10	.	.	PUNCT
hi-230	162	1	01/2016	01/2016	NUM
hi-230	162	2	on	on	ADP
hi-230	162	3	money	money	NOUN
hi-230	162	4	-	-	PUNCT
hi-230	162	5	lending	lend	VERB
hi-230	162	6	services	service	NOUN
hi-230	162	7	based	base	VERB
hi-230	162	8	on	on	ADP
hi-230	162	9	information	information	NOUN
hi-230	162	10	technology	technology	NOUN
hi-230	162	11	(	(	PUNCT
hi-230	162	12	lpmubti	lpmubti	NOUN
hi-230	162	13	)	)	PUNCT
hi-230	162	14	,	,	PUNCT
hi-230	162	15	information	information	NOUN
hi-230	162	16	technology	technology	NOUN
hi-230	162	17	needs	need	VERB
hi-230	162	18	to	to	PART
hi-230	162	19	be	be	AUX
hi-230	162	20	regulated	regulate	VERB
hi-230	162	21	and	and	CCONJ
hi-230	162	22	supervised	supervise	VERB
hi-230	162	23	in	in	ADP
hi-230	162	24	the	the	DET
hi-230	162	25	framework	framework	NOUN
hi-230	162	26	of	of	ADP
hi-230	162	27	user	user	NOUN
hi-230	162	28	protection	protection	NOUN
hi-230	162	29	,	,	PUNCT
hi-230	162	30	maintenance	maintenance	NOUN
hi-230	162	31	of	of	ADP
hi-230	162	32	lending	lending	NOUN
hi-230	162	33	services	service	NOUN
hi-230	162	34	borrow	borrow	VERB
hi-230	162	35	money	money	NOUN
hi-230	162	36	-	-	PUNCT
hi-230	162	37	based	base	VERB
hi-230	162	38	information	information	NOUN
hi-230	162	39	technology	technology	NOUN
hi-230	162	40	,	,	PUNCT
hi-230	162	41	and	and	CCONJ
hi-230	162	42	protection	protection	NOUN
hi-230	162	43	of	of	ADP
hi-230	162	44	national	national	ADJ
hi-230	162	45	interests	interest	NOUN
hi-230	162	46	while	while	SCONJ
hi-230	162	47	providing	provide	VERB
hi-230	162	48	a	a	DET
hi-230	162	49	growing	grow	VERB
hi-230	162	50	space	space	NOUN
hi-230	162	51	for	for	ADP
hi-230	162	52	the	the	DET
hi-230	162	53	pioneer	pioneer	NOUN
hi-230	162	54	company	company	NOUN
hi-230	162	55	(	(	PUNCT
hi-230	162	56	start	start	VERB
hi-230	162	57	up	up	ADP
hi-230	162	58	company	company	NOUN
hi-230	162	59	)	)	PUNCT
hi-230	162	60	in	in	ADP
hi-230	162	61	order	order	NOUN
hi-230	162	62	to	to	PART
hi-230	162	63	increase	increase	VERB
hi-230	162	64	financial	financial	ADJ
hi-230	162	65	inclusion	inclusion	NOUN
hi-230	162	66	in	in	ADP
hi-230	162	67	indonesia	indonesia	PROPN
hi-230	162	68	.	.	PUNCT
hi-230	163	1	ojk	ojk	NOUN
hi-230	163	2	regulation	regulation	NOUN
hi-230	163	3	includes	include	VERB
hi-230	163	4	provisions	provision	NOUN
hi-230	163	5	to	to	PART
hi-230	163	6	minimize	minimize	VERB
hi-230	163	7	credit	credit	NOUN
hi-230	163	8	risk	risk	NOUN
hi-230	163	9	,	,	PUNCT
hi-230	163	10	protection	protection	NOUN
hi-230	163	11	of	of	ADP
hi-230	163	12	users	user	NOUN
hi-230	163	13	'	'	PART
hi-230	163	14	interests	interest	NOUN
hi-230	163	15	such	such	ADJ
hi-230	163	16	as	as	ADP
hi-230	163	17	misuse	misuse	NOUN
hi-230	163	18	of	of	ADP
hi-230	163	19	funds	fund	NOUN
hi-230	163	20	and	and	CCONJ
hi-230	163	21	user	user	NOUN
hi-230	163	22	data	datum	NOUN
hi-230	163	23	,	,	PUNCT
hi-230	163	24	and	and	CCONJ
hi-230	163	25	protection	protection	NOUN
hi-230	163	26	of	of	ADP
hi-230	163	27	national	national	ADJ
hi-230	163	28	interests	interest	NOUN
hi-230	163	29	such	such	ADJ
hi-230	163	30	as	as	ADP
hi-230	163	31	anti	anti	ADJ
hi-230	163	32	-	-	ADJ
hi-230	163	33	money	money	ADJ
hi-230	163	34	laundering	laundering	NOUN
hi-230	163	35	activities	activity	NOUN
hi-230	163	36	and	and	CCONJ
hi-230	163	37	prevention	prevention	NOUN
hi-230	163	38	terrorism	terrorism	NOUN
hi-230	163	39	financing	financing	NOUN
hi-230	163	40	,	,	PUNCT
hi-230	163	41	as	as	ADV
hi-230	163	42	well	well	ADV
hi-230	163	43	as	as	ADP
hi-230	163	44	disruption	disruption	NOUN
hi-230	163	45	to	to	ADP
hi-230	163	46	financial	financial	ADJ
hi-230	163	47	system	system	NOUN
hi-230	163	48	stability	stability	NOUN
hi-230	163	49	.	.	PUNCT
hi-230	164	1	how	how	SCONJ
hi-230	164	2	is	be	AUX
hi-230	164	3	the	the	DET
hi-230	164	4	effectiveness	effectiveness	NOUN
hi-230	164	5	of	of	ADP
hi-230	164	6	financing	financing	NOUN
hi-230	164	7	peer	peer	NOUN
hi-230	164	8	to	to	PART
hi-230	164	9	peer	peer	NOUN
hi-230	164	10	landing	landing	NOUN
hi-230	164	11	fintech	fintech	NOUN
hi-230	164	12	in	in	ADP
hi-230	164	13	indonesia	indonesia	PROPN
hi-230	164	14	?	?	PUNCT
hi-230	165	1	based	base	VERB
hi-230	165	2	on	on	ADP
hi-230	165	3	the	the	DET
hi-230	165	4	observations	observation	NOUN
hi-230	165	5	conducted	conduct	VERB
hi-230	165	6	through	through	ADP
hi-230	165	7	previous	previous	ADJ
hi-230	165	8	research	research	NOUN
hi-230	165	9	that	that	SCONJ
hi-230	165	10	financing	finance	VERB
hi-230	165	11	through	through	ADP
hi-230	165	12	the	the	DET
hi-230	165	13	fintech	fintech	NOUN
hi-230	165	14	peer	peer	NOUN
hi-230	165	15	to	to	ADP
hi-230	165	16	peer	peer	NOUN
hi-230	165	17	lending	lending	NOUN
hi-230	165	18	in	in	ADP
hi-230	165	19	smmb	smmb	NOUN
hi-230	165	20	in	in	ADP
hi-230	165	21	indonesia	indonesia	PROPN
hi-230	165	22	has	have	AUX
hi-230	165	23	not	not	PART
hi-230	165	24	been	be	AUX
hi-230	165	25	effective	effective	ADJ
hi-230	165	26	enough	enough	ADV
hi-230	165	27	,	,	PUNCT
hi-230	165	28	this	this	PRON
hi-230	165	29	is	be	AUX
hi-230	165	30	seen	see	VERB
hi-230	165	31	from	from	ADP
hi-230	165	32	the	the	DET
hi-230	165	33	community	community	NOUN
hi-230	165	34	of	of	ADP
hi-230	165	35	smmb	smmb	NOUN
hi-230	165	36	in	in	ADP
hi-230	165	37	the	the	DET
hi-230	165	38	development	development	NOUN
hi-230	165	39	of	of	ADP
hi-230	165	40	its	its	PRON
hi-230	165	41	business	business	NOUN
hi-230	165	42	is	be	AUX
hi-230	165	43	still	still	ADV
hi-230	165	44	shortage	shortage	NOUN
hi-230	165	45	of	of	ADP
hi-230	165	46	capital	capital	NOUN
hi-230	165	47	to	to	PART
hi-230	165	48	develop	develop	VERB
hi-230	165	49	and	and	CCONJ
hi-230	165	50	manage	manage	VERB
hi-230	165	51	its	its	PRON
hi-230	165	52	business	business	NOUN
hi-230	165	53	,	,	PUNCT
hi-230	165	54	where	where	SCONJ
hi-230	165	55	at	at	ADP
hi-230	165	56	the	the	DET
hi-230	165	57	time	time	NOUN
hi-230	165	58	of	of	ADP
hi-230	165	59	online	online	ADJ
hi-230	165	60	learning	learning	NOUN
hi-230	165	61	is	be	AUX
hi-230	165	62	done	do	VERB
hi-230	165	63	,	,	PUNCT
hi-230	165	64	smmb	smmb	NOUN
hi-230	165	65	still	still	ADV
hi-230	165	66	lack	lack	VERB
hi-230	165	67	funds	fund	NOUN
hi-230	165	68	to	to	PART
hi-230	165	69	restore	restore	VERB
hi-230	165	70	the	the	DET
hi-230	165	71	previous	previous	ADJ
hi-230	165	72	loan	loan	NOUN
hi-230	165	73	funds	fund	NOUN
hi-230	165	74	,	,	PUNCT
hi-230	165	75	thereby	thereby	ADV
hi-230	165	76	increasing	increase	VERB
hi-230	165	77	the	the	DET
hi-230	165	78	cost	cost	NOUN
hi-230	165	79	of	of	ADP
hi-230	165	80	msmmb	msmmb	NOUN
hi-230	165	81	.	.	PUNCT
hi-230	166	1	this	this	PRON
hi-230	166	2	is	be	AUX
hi-230	166	3	due	due	ADJ
hi-230	166	4	to	to	PART
hi-230	166	5	lack	lack	NOUN
hi-230	166	6	of	of	ADP
hi-230	166	7	public	public	ADJ
hi-230	166	8	understanding	understanding	NOUN
hi-230	166	9	of	of	ADP
hi-230	166	10	the	the	DET
hi-230	166	11	initial	initial	ADJ
hi-230	166	12	step	step	NOUN
hi-230	166	13	in	in	ADP
hi-230	166	14	financial	financial	ADJ
hi-230	166	15	technology	technology	NOUN
hi-230	166	16	financing	financing	NOUN
hi-230	166	17	,	,	PUNCT
hi-230	166	18	where	where	SCONJ
hi-230	166	19	the	the	DET
hi-230	166	20	public	public	NOUN
hi-230	166	21	must	must	AUX
hi-230	166	22	know	know	VERB
hi-230	166	23	the	the	DET
hi-230	166	24	names	name	NOUN
hi-230	166	25	of	of	ADP
hi-230	166	26	online	online	ADJ
hi-230	166	27	companies	company	NOUN
hi-230	166	28	that	that	PRON
hi-230	166	29	are	be	AUX
hi-230	166	30	registered	register	VERB
hi-230	166	31	formally	formally	ADV
hi-230	166	32	and	and	CCONJ
hi-230	166	33	securely	securely	ADV
hi-230	166	34	if	if	SCONJ
hi-230	166	35	used	use	VERB
hi-230	166	36	for	for	ADP
hi-230	166	37	financing	financing	NOUN
hi-230	166	38	.	.	PUNCT
hi-230	167	1	in	in	ADP
hi-230	167	2	accordance	accordance	NOUN
hi-230	167	3	with	with	ADP
hi-230	167	4	the	the	DET
hi-230	167	5	pojk	pojk	PROPN
hi-230	167	6	number	number	NOUN
hi-230	167	7	77	77	NUM
hi-230	167	8	/	/	SYM
hi-230	167	9	pojk	pojk	PROPN
hi-230	167	10	.	.	PUNCT
hi-230	168	1	01/2016	01/2016	NUM
hi-230	168	2	on	on	ADP
hi-230	168	3	the	the	DET
hi-230	168	4	service	service	NOUN
hi-230	168	5	of	of	ADP
hi-230	168	6	borrowing	borrow	VERB
hi-230	168	7	money	money	NOUN
hi-230	168	8	-	-	PUNCT
hi-230	168	9	based	base	VERB
hi-230	168	10	information	information	NOUN
hi-230	168	11	technology	technology	NOUN
hi-230	168	12	(	(	PUNCT
hi-230	168	13	lpmubti	lpmubti	NOUN
hi-230	168	14	)	)	PUNCT
hi-230	168	15	.	.	PUNCT
hi-230	169	1	which	which	PRON
hi-230	169	2	aims	aim	VERB
hi-230	169	3	to	to	PART
hi-230	169	4	regulate	regulate	VERB
hi-230	169	5	the	the	DET
hi-230	169	6	provision	provision	NOUN
hi-230	169	7	,	,	PUNCT
hi-230	169	8	management	management	NOUN
hi-230	169	9	,	,	PUNCT
hi-230	169	10	and	and	CCONJ
hi-230	169	11	operation	operation	NOUN
hi-230	169	12	of	of	ADP
hi-230	169	13	information	information	NOUN
hi-230	169	14	technology	technology	NOUN
hi-230	169	15	-	-	PUNCT
hi-230	169	16	based	base	VERB
hi-230	169	17	money	money	NOUN
hi-230	169	18	borrowing	borrowing	NOUN
hi-230	169	19	services	service	NOUN
hi-230	169	20	.	.	PUNCT
hi-230	170	1	this	this	PRON
hi-230	170	2	is	be	AUX
hi-230	170	3	different	different	ADJ
hi-230	170	4	from	from	ADP
hi-230	170	5	the	the	DET
hi-230	170	6	purpose	purpose	NOUN
hi-230	170	7	of	of	ADP
hi-230	170	8	founding	found	VERB
hi-230	170	9	fintech	fintech	NOUN
hi-230	170	10	peer	peer	NOUN
hi-230	170	11	to	to	ADP
hi-230	170	12	peer	peer	NOUN
hi-230	170	13	lending	lending	NOUN
hi-230	170	14	which	which	PRON
hi-230	170	15	is	be	AUX
hi-230	170	16	the	the	DET
hi-230	170	17	solution	solution	NOUN
hi-230	170	18	and	and	CCONJ
hi-230	170	19	the	the	DET
hi-230	170	20	answer	answer	NOUN
hi-230	170	21	to	to	ADP
hi-230	170	22	the	the	DET
hi-230	170	23	problem	problem	NOUN
hi-230	170	24	of	of	ADP
hi-230	170	25	access	access	NOUN
hi-230	170	26	needs	need	NOUN
hi-230	170	27	of	of	ADP
hi-230	170	28	mms	mms	ADJ
hi-230	170	29	business	business	NOUN
hi-230	170	30	capital	capital	NOUN
hi-230	170	31	.	.	PUNCT
hi-230	171	1	in	in	ADP
hi-230	171	2	addition	addition	NOUN
hi-230	171	3	to	to	ADP
hi-230	171	4	the	the	DET
hi-230	171	5	ease	ease	NOUN
hi-230	171	6	of	of	ADP
hi-230	171	7	submitting	submit	VERB
hi-230	171	8	loans	loan	NOUN
hi-230	171	9	,	,	PUNCT
hi-230	171	10	security	security	NOUN
hi-230	171	11	issues	issue	NOUN
hi-230	171	12	have	have	AUX
hi-230	171	13	also	also	ADV
hi-230	171	14	been	be	AUX
hi-230	171	15	secured	secure	VERB
hi-230	171	16	by	by	ADP
hi-230	171	17	the	the	DET
hi-230	171	18	government	government	NOUN
hi-230	171	19	.	.	PUNCT
hi-230	172	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	172	2	hamdard	hamdard	ADJ
hi-230	172	3	islamicus	islamicus	PROPN
hi-230	172	4	,	,	PUNCT
hi-230	172	5	vol	vol	NOUN
hi-230	172	6	.	.	PROPN
hi-230	173	1	43	43	NUM
hi-230	173	2	no	no	NOUN
hi-230	173	3	.	.	PUNCT
hi-230	173	4	s.2	s.2	X
hi-230	173	5	(	(	PUNCT
hi-230	173	6	2020	2020	NUM
hi-230	173	7	)	)	PUNCT
hi-230	173	8	,	,	PUNCT
hi-230	173	9	850	850	NUM
hi-230	173	10	861	861	NUM
hi-230	173	11	859	859	NUM
hi-230	173	12	issn	issn	PROPN
hi-230	173	13	:	:	PUNCT
hi-230	173	14	0250	0250	NUM
hi-230	173	15	4	4	NUM
hi-230	173	16	.	.	PUNCT
hi-230	173	17	conclusion	conclusion	NOUN
hi-230	173	18	smmb	smmb	NOUN
hi-230	173	19	play	play	VERB
hi-230	173	20	an	an	DET
hi-230	173	21	important	important	ADJ
hi-230	173	22	role	role	NOUN
hi-230	173	23	for	for	ADP
hi-230	173	24	the	the	DET
hi-230	173	25	small	small	ADJ
hi-230	173	26	community	community	NOUN
hi-230	173	27	in	in	ADP
hi-230	173	28	indonesia	indonesia	PROPN
hi-230	173	29	,	,	PUNCT
hi-230	173	30	one	one	NUM
hi-230	173	31	of	of	ADP
hi-230	173	32	which	which	PRON
hi-230	173	33	is	be	AUX
hi-230	173	34	the	the	DET
hi-230	173	35	economic	economic	ADJ
hi-230	173	36	equality	equality	NOUN
hi-230	173	37	of	of	ADP
hi-230	173	38	the	the	DET
hi-230	173	39	people	people	NOUN
hi-230	173	40	to	to	PART
hi-230	173	41	eradicate	eradicate	VERB
hi-230	173	42	the	the	DET
hi-230	173	43	people	people	NOUN
hi-230	173	44	from	from	ADP
hi-230	173	45	the	the	DET
hi-230	173	46	gulf	gulf	NOUN
hi-230	173	47	of	of	ADP
hi-230	173	48	poverty	poverty	NOUN
hi-230	173	49	.	.	PUNCT
hi-230	174	1	for	for	ADP
hi-230	174	2	this	this	DET
hi-230	174	3	purpose	purpose	NOUN
hi-230	174	4	,	,	PUNCT
hi-230	174	5	the	the	DET
hi-230	174	6	government	government	NOUN
hi-230	174	7	continues	continue	VERB
hi-230	174	8	to	to	PART
hi-230	174	9	innovate	innovate	VERB
hi-230	174	10	to	to	PART
hi-230	174	11	provide	provide	VERB
hi-230	174	12	the	the	DET
hi-230	174	13	best	good	ADJ
hi-230	174	14	for	for	ADP
hi-230	174	15	its	its	PRON
hi-230	174	16	people	people	NOUN
hi-230	174	17	.	.	PUNCT
hi-230	175	1	the	the	DET
hi-230	175	2	problem	problem	NOUN
hi-230	175	3	that	that	PRON
hi-230	175	4	always	always	ADV
hi-230	175	5	occurs	occur	VERB
hi-230	175	6	in	in	ADP
hi-230	175	7	the	the	DET
hi-230	175	8	stabilizing	stabilize	VERB
hi-230	175	9	smmb	smmb	NOUN
hi-230	175	10	in	in	ADP
hi-230	175	11	indonesia	indonesia	PROPN
hi-230	175	12	is	be	AUX
hi-230	175	13	the	the	DET
hi-230	175	14	source	source	NOUN
hi-230	175	15	of	of	ADP
hi-230	175	16	capital	capital	NOUN
hi-230	175	17	to	to	PART
hi-230	175	18	improve	improve	VERB
hi-230	175	19	the	the	DET
hi-230	175	20	business	business	NOUN
hi-230	175	21	of	of	ADP
hi-230	175	22	people	people	NOUN
hi-230	175	23	,	,	PUNCT
hi-230	175	24	some	some	DET
hi-230	175	25	people	people	NOUN
hi-230	175	26	find	find	VERB
hi-230	175	27	it	it	PRON
hi-230	175	28	difficult	difficult	ADJ
hi-230	175	29	to	to	PART
hi-230	175	30	get	get	VERB
hi-230	175	31	access	access	NOUN
hi-230	175	32	to	to	ADP
hi-230	175	33	capital	capital	NOUN
hi-230	175	34	loans	loan	NOUN
hi-230	175	35	for	for	ADP
hi-230	175	36	its	its	PRON
hi-230	175	37	business	business	NOUN
hi-230	175	38	,	,	PUNCT
hi-230	175	39	especially	especially	ADV
hi-230	175	40	for	for	ADP
hi-230	175	41	small	small	ADJ
hi-230	175	42	people	people	NOUN
hi-230	175	43	who	who	PRON
hi-230	175	44	do	do	AUX
hi-230	175	45	not	not	PART
hi-230	175	46	have	have	VERB
hi-230	175	47	collateral	collateral	NOUN
hi-230	175	48	for	for	ADP
hi-230	175	49	venture	venture	NOUN
hi-230	175	50	capital	capital	NOUN
hi-230	175	51	loans	loan	NOUN
hi-230	175	52	.	.	PUNCT
hi-230	176	1	ojk	ojk	NOUN
hi-230	176	2	provides	provide	VERB
hi-230	176	3	solutions	solution	NOUN
hi-230	176	4	for	for	ADP
hi-230	176	5	smmb	smmb	NOUN
hi-230	176	6	in	in	ADP
hi-230	176	7	order	order	NOUN
hi-230	176	8	to	to	PART
hi-230	176	9	stabil	stabil	VERB
hi-230	176	10	the	the	DET
hi-230	176	11	business	business	NOUN
hi-230	176	12	by	by	ADP
hi-230	176	13	issuing	issue	VERB
hi-230	176	14	a	a	DET
hi-230	176	15	fintech	fintech	NOUN
hi-230	176	16	product	product	NOUN
hi-230	176	17	of	of	ADP
hi-230	176	18	peer	peer	NOUN
hi-230	176	19	to	to	ADP
hi-230	176	20	peer	peer	NOUN
hi-230	176	21	lending	lending	NOUN
hi-230	176	22	which	which	PRON
hi-230	176	23	is	be	AUX
hi-230	176	24	set	set	VERB
hi-230	176	25	out	out	ADP
hi-230	176	26	in	in	ADP
hi-230	176	27	pojk	pojk	NOUN
hi-230	176	28	number	number	NOUN
hi-230	176	29	77	77	NUM
hi-230	176	30	/	/	SYM
hi-230	176	31	pojk	pojk	PROPN
hi-230	176	32	.	.	PUNCT
hi-230	177	1	01/2016	01/2016	NUM
hi-230	177	2	on	on	ADP
hi-230	177	3	money	money	NOUN
hi-230	177	4	-	-	PUNCT
hi-230	177	5	based	base	VERB
hi-230	177	6	borrowing	borrowing	NOUN
hi-230	177	7	services	service	NOUN
hi-230	177	8	information	information	NOUN
hi-230	177	9	technology	technology	NOUN
hi-230	177	10	(	(	PUNCT
hi-230	177	11	lpmubti	lpmubti	NOUN
hi-230	177	12	)	)	PUNCT
hi-230	178	1	y	y	PROPN
hi-230	178	2	ang	ang	PROPN
hi-230	178	3	aims	aim	VERB
hi-230	178	4	to	to	PART
hi-230	178	5	regulate	regulate	VERB
hi-230	178	6	the	the	DET
hi-230	178	7	provision	provision	NOUN
hi-230	178	8	,	,	PUNCT
hi-230	178	9	management	management	NOUN
hi-230	178	10	and	and	CCONJ
hi-230	178	11	operation	operation	NOUN
hi-230	178	12	of	of	ADP
hi-230	178	13	information	information	NOUN
hi-230	178	14	technology	technology	NOUN
hi-230	178	15	-	-	PUNCT
hi-230	178	16	based	base	VERB
hi-230	178	17	money	money	NOUN
hi-230	178	18	borrowing	borrowing	NOUN
hi-230	178	19	services	service	NOUN
hi-230	178	20	.	.	PUNCT
hi-230	179	1	the	the	DET
hi-230	179	2	fact	fact	NOUN
hi-230	179	3	that	that	SCONJ
hi-230	179	4	the	the	DET
hi-230	179	5	rules	rule	NOUN
hi-230	179	6	that	that	PRON
hi-230	179	7	have	have	AUX
hi-230	179	8	been	be	AUX
hi-230	179	9	issued	issue	VERB
hi-230	179	10	by	by	ADP
hi-230	179	11	pojk	pojk	PROPN
hi-230	179	12	become	become	VERB
hi-230	179	13	one	one	NUM
hi-230	179	14	of	of	ADP
hi-230	179	15	the	the	DET
hi-230	179	16	breakthroughs	breakthrough	NOUN
hi-230	179	17	for	for	ADP
hi-230	179	18	the	the	DET
hi-230	179	19	maker	maker	NOUN
hi-230	179	20	of	of	ADP
hi-230	179	21	online	online	ADJ
hi-230	179	22	lending	lending	NOUN
hi-230	179	23	-	-	PUNCT
hi-230	179	24	based	base	VERB
hi-230	179	25	application	application	NOUN
hi-230	179	26	,	,	PUNCT
hi-230	179	27	this	this	PRON
hi-230	179	28	will	will	AUX
hi-230	179	29	be	be	AUX
hi-230	179	30	a	a	DET
hi-230	179	31	boomerang	boomerang	NOUN
hi-230	179	32	for	for	ADP
hi-230	179	33	pojk	pojk	PROPN
hi-230	179	34	because	because	SCONJ
hi-230	179	35	there	there	PRON
hi-230	179	36	is	be	VERB
hi-230	179	37	a	a	DET
hi-230	179	38	legal	legal	ADJ
hi-230	179	39	vacuum	vacuum	NOUN
hi-230	179	40	inside	inside	ADV
hi-230	179	41	.	.	PUNCT
hi-230	180	1	not	not	PART
hi-230	180	2	a	a	DET
hi-230	180	3	solution	solution	NOUN
hi-230	180	4	for	for	ADP
hi-230	180	5	smmb	smmb	NOUN
hi-230	180	6	to	to	PART
hi-230	180	7	obtain	obtain	VERB
hi-230	180	8	capital	capital	NOUN
hi-230	180	9	loans	loan	NOUN
hi-230	180	10	,	,	PUNCT
hi-230	180	11	thus	thus	ADV
hi-230	180	12	it	it	PRON
hi-230	180	13	becomes	become	VERB
hi-230	180	14	a	a	DET
hi-230	180	15	disaster	disaster	NOUN
hi-230	180	16	because	because	SCONJ
hi-230	180	17	in	in	ADP
hi-230	180	18	the	the	DET
hi-230	180	19	rules	rule	NOUN
hi-230	180	20	ojk	ojk	NOUN
hi-230	180	21	does	do	AUX
hi-230	180	22	not	not	PART
hi-230	180	23	strictly	strictly	ADV
hi-230	180	24	filter	filter	VERB
hi-230	180	25	online	online	ADJ
hi-230	180	26	lending	lending	NOUN
hi-230	180	27	applications	application	NOUN
hi-230	180	28	where	where	SCONJ
hi-230	180	29	the	the	DET
hi-230	180	30	community	community	NOUN
hi-230	180	31	is	be	AUX
hi-230	180	32	finally	finally	ADV
hi-230	180	33	a	a	DET
hi-230	180	34	lot	lot	NOUN
hi-230	180	35	of	of	ADP
hi-230	180	36	people	people	NOUN
hi-230	180	37	who	who	PRON
hi-230	180	38	fall	fall	VERB
hi-230	180	39	in	in	ADP
hi-230	180	40	the	the	DET
hi-230	180	41	loan	loan	NOUN
hi-230	180	42	application	application	NOUN
hi-230	180	43	online	online	ADJ
hi-230	180	44	fintech	fintech	NOUN
hi-230	180	45	-	-	PUNCT
hi-230	180	46	based	base	VERB
hi-230	180	47	peer	peer	NOUN
hi-230	180	48	to	to	ADP
hi-230	180	49	peer	peer	NOUN
hi-230	180	50	lending	lending	NOUN
hi-230	180	51	that	that	PRON
hi-230	180	52	is	be	AUX
hi-230	180	53	not	not	PART
hi-230	180	54	registered	register	VERB
hi-230	180	55	in	in	ADP
hi-230	180	56	the	the	DET
hi-230	180	57	ojk	ojk	NOUN
hi-230	180	58	.	.	PUNCT
hi-230	181	1	sanctions	sanction	NOUN
hi-230	181	2	present	present	ADJ
hi-230	181	3	in	in	ADP
hi-230	181	4	the	the	DET
hi-230	181	5	pojk	pojk	NOUN
hi-230	181	6	number	number	NOUN
hi-230	181	7	77	77	NUM
hi-230	181	8	/	/	SYM
hi-230	181	9	pojk	pojk	PROPN
hi-230	181	10	.	.	PUNCT
hi-230	182	1	01/2016	01/2016	NUM
hi-230	182	2	on	on	ADP
hi-230	182	3	money	money	NOUN
hi-230	182	4	-	-	PUNCT
hi-230	182	5	borrowing	borrow	VERB
hi-230	182	6	services	service	NOUN
hi-230	182	7	based	base	VERB
hi-230	182	8	on	on	ADP
hi-230	182	9	information	information	NOUN
hi-230	182	10	technology	technology	NOUN
hi-230	182	11	(	(	PUNCT
hi-230	182	12	lpmubti	lpmubti	NOUN
hi-230	182	13	)	)	PUNCT
hi-230	182	14	is	be	AUX
hi-230	182	15	considered	consider	VERB
hi-230	182	16	to	to	PART
hi-230	182	17	be	be	AUX
hi-230	182	18	not	not	PART
hi-230	182	19	able	able	ADJ
hi-230	182	20	to	to	PART
hi-230	182	21	bind	bind	VERB
hi-230	182	22	the	the	DET
hi-230	182	23	makers	maker	NOUN
hi-230	182	24	of	of	ADP
hi-230	182	25	fintech	fintech	NOUN
hi-230	182	26	-	-	PUNCT
hi-230	182	27	based	base	VERB
hi-230	182	28	online	online	ADJ
hi-230	182	29	lending	lending	NOUN
hi-230	182	30	applications	application	NOUN
hi-230	182	31	peer	peer	VERB
hi-230	182	32	to	to	PART
hi-230	182	33	peer	peer	NOUN
hi-230	182	34	lending	lending	NOUN
hi-230	182	35	illegal	illegal	ADJ
hi-230	182	36	,	,	PUNCT
hi-230	182	37	so	so	CCONJ
hi-230	182	38	the	the	DET
hi-230	182	39	sme	sme	PROPN
hi-230	182	40	community	community	NOUN
hi-230	182	41	is	be	AUX
hi-230	182	42	expected	expect	VERB
hi-230	182	43	to	to	PART
hi-230	182	44	be	be	AUX
hi-230	182	45	smarter	smart	ADJ
hi-230	182	46	in	in	ADP
hi-230	182	47	choosing	choose	VERB
hi-230	182	48	a	a	DET
hi-230	182	49	capital	capital	NOUN
hi-230	182	50	loan	loan	NOUN
hi-230	182	51	product	product	NOUN
hi-230	182	52	based	base	VERB
hi-230	182	53	on	on	ADP
hi-230	182	54	fintech	fintech	NOUN
hi-230	182	55	peer	peer	NOUN
hi-230	182	56	to	to	ADP
hi-230	182	57	peer	peer	NOUN
hi-230	182	58	lending	lending	NOUN
hi-230	182	59	if	if	SCONJ
hi-230	182	60	it	it	PRON
hi-230	182	61	is	be	AUX
hi-230	182	62	necessary	necessary	ADJ
hi-230	182	63	to	to	PART
hi-230	182	64	improve	improve	VERB
hi-230	182	65	its	its	PRON
hi-230	182	66	business	business	NOUN
hi-230	182	67	.	.	PUNCT
hi-230	183	1	references	reference	NOUN
hi-230	183	2	bernik	bernik	PROPN
hi-230	183	3	,	,	PUNCT
hi-230	183	4	b.	b.	PROPN
hi-230	183	5	,	,	PUNCT
hi-230	183	6	azis	azi	NOUN
hi-230	183	7	,	,	PUNCT
hi-230	183	8	y.	y.	NOUN
hi-230	183	9	,	,	PUNCT
hi-230	183	10	kartini	kartini	PROPN
hi-230	183	11	,	,	PUNCT
hi-230	183	12	d.	d.	PROPN
hi-230	183	13	,	,	PUNCT
hi-230	183	14	&	&	CCONJ
hi-230	183	15	harsanto	harsanto	PROPN
hi-230	183	16	,	,	PUNCT
hi-230	183	17	b.	b.	PROPN
hi-230	183	18	(	(	PUNCT
hi-230	183	19	2015	2015	NUM
hi-230	183	20	)	)	PUNCT
hi-230	183	21	.	.	PUNCT
hi-230	184	1	managing	manage	VERB
hi-230	184	2	innovation	innovation	NOUN
hi-230	184	3	of	of	ADP
hi-230	184	4	smes	sme	NOUN
hi-230	184	5	in	in	ADP
hi-230	184	6	creative	creative	ADJ
hi-230	184	7	industry	industry	NOUN
hi-230	184	8	for	for	ADP
hi-230	184	9	interactive	interactive	ADJ
hi-230	184	10	game	game	NOUN
hi-230	184	11	subsector	subsector	NOUN
hi-230	184	12	and	and	CCONJ
hi-230	184	13	tv	tv	NOUN
hi-230	184	14	and	and	CCONJ
hi-230	184	15	radio	radio	NOUN
hi-230	184	16	subsector	subsector	NOUN
hi-230	184	17	based	base	VERB
hi-230	184	18	on	on	ADP
hi-230	184	19	local	local	ADJ
hi-230	184	20	wisdom	wisdom	NOUN
hi-230	184	21	in	in	ADP
hi-230	184	22	development	development	NOUN
hi-230	184	23	of	of	ADP
hi-230	184	24	competitiveness	competitiveness	NOUN
hi-230	184	25	business	business	NOUN
hi-230	184	26	(	(	PUNCT
hi-230	184	27	case	case	NOUN
hi-230	184	28	study	study	NOUN
hi-230	184	29	smes	sme	NOUN
hi-230	184	30	in	in	ADP
hi-230	184	31	bandung	bandung	PROPN
hi-230	184	32	)	)	PUNCT
hi-230	184	33	.	.	PUNCT
hi-230	185	1	international	international	ADJ
hi-230	185	2	journal	journal	PROPN
hi-230	185	3	of	of	ADP
hi-230	185	4	business	business	NOUN
hi-230	185	5	and	and	CCONJ
hi-230	185	6	administrative	administrative	ADJ
hi-230	185	7	studies	study	NOUN
hi-230	185	8	,	,	PUNCT
hi-230	185	9	1(2	1(2	NUM
hi-230	185	10	)	)	PUNCT
hi-230	185	11	,	,	PUNCT
hi-230	185	12	49	49	NUM
hi-230	185	13	-	-	SYM
hi-230	185	14	53	53	NUM
hi-230	185	15	.	.	PUNCT
hi-230	186	1	damayanti	damayanti	PROPN
hi-230	186	2	,	,	PUNCT
hi-230	186	3	m.	m.	NOUN
hi-230	186	4	d.	d.	PROPN
hi-230	186	5	,	,	PUNCT
hi-230	186	6	nurhasanah	nurhasanah	NOUN
hi-230	186	7	,	,	PUNCT
hi-230	186	8	n.	n.	NOUN
hi-230	186	9	,	,	PUNCT
hi-230	186	10	&	&	CCONJ
hi-230	186	11	eprianti	eprianti	PROPN
hi-230	186	12	,	,	PUNCT
hi-230	186	13	n.	n.	NOUN
hi-230	186	14	(	(	PUNCT
hi-230	186	15	2018	2018	NUM
hi-230	186	16	)	)	PUNCT
hi-230	186	17	.	.	PUNCT
hi-230	187	1	efektivitas	efektivitas	PROPN
hi-230	187	2	program	program	NOUN
hi-230	187	3	ekonomi	ekonomi	PROPN
hi-230	187	4	produktif	produktif	PROPN
hi-230	187	5	terhadap	terhadap	PROPN
hi-230	187	6	upaya	upaya	PROPN
hi-230	187	7	pembentukan	pembentukan	VERB
hi-230	187	8	mustahik	mustahik	PROPN
hi-230	187	9	menjadi	menjadi	PROPN
hi-230	187	10	nuzakki	nuzakki	PROPN
hi-230	187	11	.	.	PUNCT
hi-230	188	1	bandung	bandung	PROPN
hi-230	188	2	:	:	PUNCT
hi-230	188	3	prosiding	proside	VERB
hi-230	188	4	hukum	hukum	PROPN
hi-230	188	5	ekonomi	ekonomi	PROPN
hi-230	188	6	syariah	syariah	PROPN
hi-230	188	7	.	.	PUNCT
hi-230	189	1	dwi	dwi	PROPN
hi-230	189	2	,	,	PUNCT
hi-230	189	3	w.	w.	PROPN
hi-230	189	4	r.	r.	PROPN
hi-230	189	5	,	,	PUNCT
hi-230	189	6	&	&	CCONJ
hi-230	189	7	renny	renny	PROPN
hi-230	189	8	,	,	PUNCT
hi-230	189	9	w.	w.	PROPN
hi-230	189	10	(	(	PUNCT
hi-230	189	11	2017	2017	NUM
hi-230	189	12	)	)	PUNCT
hi-230	189	13	.	.	PUNCT
hi-230	190	1	affecting	affect	VERB
hi-230	190	2	compliant	compliant	NOUN
hi-230	190	3	with	with	ADP
hi-230	190	4	the	the	DET
hi-230	190	5	willingness	willingness	NOUN
hi-230	190	6	to	to	PART
hi-230	190	7	pay	pay	VERB
hi-230	190	8	tax	tax	NOUN
hi-230	190	9	as	as	ADP
hi-230	190	10	an	an	DET
hi-230	190	11	intervening	intervene	VERB
hi-230	190	12	variable	variable	ADJ
hi-230	190	13	factor	factor	NOUN
hi-230	190	14	(	(	PUNCT
hi-230	190	15	studies	study	NOUN
hi-230	190	16	on	on	ADP
hi-230	190	17	the	the	DET
hi-230	190	18	taxpayer	taxpayer	NOUN
hi-230	190	19	owners	owner	NOUN
hi-230	190	20	of	of	ADP
hi-230	190	21	smes	sme	NOUN
hi-230	190	22	in	in	ADP
hi-230	190	23	pontianak	pontianak	PROPN
hi-230	190	24	kpp	kpp	PROPN
hi-230	190	25	)	)	PUNCT
hi-230	190	26	.	.	PUNCT
hi-230	191	1	journal	journal	PROPN
hi-230	191	2	of	of	ADP
hi-230	191	3	advances	advance	NOUN
hi-230	191	4	in	in	ADP
hi-230	191	5	humanities	humanity	NOUN
hi-230	191	6	and	and	CCONJ
hi-230	191	7	social	social	ADJ
hi-230	191	8	sciences	science	NOUN
hi-230	191	9	,	,	PUNCT
hi-230	191	10	3(3	3(3	NUM
hi-230	191	11	)	)	PUNCT
hi-230	191	12	,	,	PUNCT
hi-230	191	13	152	152	NUM
hi-230	191	14	-	-	SYM
hi-230	191	15	163	163	NUM
hi-230	191	16	.	.	PUNCT
hi-230	192	1	haryani	haryani	PROPN
hi-230	192	2	,	,	PUNCT
hi-230	192	3	i.	i.	PROPN
hi-230	192	4	(	(	PUNCT
hi-230	192	5	2010	2010	NUM
hi-230	192	6	)	)	PUNCT
hi-230	192	7	.	.	PUNCT
hi-230	193	1	restruksisasi	restruksisasi	PROPN
hi-230	193	2	dan	dan	PROPN
hi-230	193	3	penghapusan	penghapusan	PROPN
hi-230	193	4	kredit	kredit	PROPN
hi-230	193	5	macet	macet	PROPN
hi-230	193	6	.	.	PUNCT
hi-230	194	1	jakarta	jakarta	PROPN
hi-230	194	2	:	:	PUNCT
hi-230	194	3	pt	pt	PROPN
hi-230	194	4	.	.	PROPN
hi-230	194	5	elex	elex	PROPN
hi-230	194	6	media	medium	NOUN
hi-230	194	7	.	.	PUNCT
hi-230	195	1	manurung	manurung	PROPN
hi-230	195	2	,	,	PUNCT
hi-230	195	3	a.	a.	NOUN
hi-230	195	4	h.	h.	PROPN
hi-230	195	5	(	(	PUNCT
hi-230	195	6	2006	2006	NUM
hi-230	195	7	)	)	PUNCT
hi-230	195	8	.	.	PUNCT
hi-230	196	1	bisnis	bisnis	PROPN
hi-230	196	2	ukm	ukm	PROPN
hi-230	196	3	(	(	PUNCT
hi-230	196	4	usaha	usaha	PROPN
hi-230	196	5	kecil	kecil	PROPN
hi-230	196	6	menengah	menengah	PROPN
hi-230	196	7	)	)	PUNCT
hi-230	196	8	.	.	PUNCT
hi-230	197	1	jakarta	jakarta	PROPN
hi-230	197	2	:	:	PUNCT
hi-230	198	1	kompas	kompas	PROPN
hi-230	198	2	.	.	PUNCT
hi-230	199	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	199	2	hamdard	hamdard	ADJ
hi-230	199	3	islamicus	islamicus	PROPN
hi-230	199	4	,	,	PUNCT
hi-230	199	5	vol	vol	NOUN
hi-230	199	6	.	.	PROPN
hi-230	200	1	43	43	NUM
hi-230	200	2	no	no	NOUN
hi-230	200	3	.	.	PUNCT
hi-230	200	4	s.2	s.2	X
hi-230	200	5	(	(	PUNCT
hi-230	200	6	2020	2020	NUM
hi-230	200	7	)	)	PUNCT
hi-230	200	8	,	,	PUNCT
hi-230	200	9	850	850	NUM
hi-230	200	10	861	861	NUM
hi-230	200	11	860	860	NUM
hi-230	200	12	issn	issn	PROPN
hi-230	200	13	:	:	PUNCT
hi-230	200	14	0250	0250	NUM
hi-230	200	15	muchlisin	muchlisin	PROPN
hi-230	200	16	,	,	PUNCT
hi-230	200	17	r.	r.	PROPN
hi-230	200	18	(	(	PUNCT
hi-230	200	19	2018	2018	NUM
hi-230	200	20	)	)	PUNCT
hi-230	200	21	.	.	PUNCT
hi-230	201	1	analisis	analisis	PROPN
hi-230	201	2	swot	swot	PROPN
hi-230	201	3	financial	financial	PROPN
hi-230	201	4	technology	technology	NOUN
hi-230	201	5	(	(	PUNCT
hi-230	201	6	fintech	fintech	NOUN
hi-230	201	7	)	)	PUNCT
hi-230	201	8	pembiayaan	pembiayaan	PROPN
hi-230	201	9	perbankan	perbankan	PROPN
hi-230	201	10	syariah	syariah	PROPN
hi-230	201	11	di	di	PROPN
hi-230	201	12	indonesia	indonesia	PROPN
hi-230	201	13	(	(	PUNCT
hi-230	201	14	studi	studi	PROPN
hi-230	201	15	kasus	kasus	PROPN
hi-230	201	16	4	4	NUM
hi-230	201	17	bank	bank	NOUN
hi-230	201	18	syariah	syariah	PROPN
hi-230	201	19	di	di	PROPN
hi-230	201	20	kota	kota	PROPN
hi-230	201	21	medan	medan	PROPN
hi-230	201	22	)	)	PUNCT
hi-230	201	23	.	.	PUNCT
hi-230	202	1	jurnal	jurnal	ADJ
hi-230	202	2	ekonomi	ekonomi	PROPN
hi-230	202	3	islam	islam	PROPN
hi-230	202	4	,	,	PUNCT
hi-230	202	5	4(5	4(5	PROPN
hi-230	202	6	)	)	PUNCT
hi-230	202	7	,	,	PUNCT
hi-230	202	8	335	335	NUM
hi-230	202	9	-	-	SYM
hi-230	202	10	357	357	NUM
hi-230	202	11	.	.	PUNCT
hi-230	203	1	nurhabibilah	nurhabibilah	PROPN
hi-230	203	2	,	,	PUNCT
hi-230	203	3	i.	i.	NOUN
hi-230	203	4	,	,	PUNCT
hi-230	203	5	nurhasanah	nurhasanah	NOUN
hi-230	203	6	,	,	PUNCT
hi-230	203	7	n.	n.	NOUN
hi-230	203	8	,	,	PUNCT
hi-230	203	9	&	&	CCONJ
hi-230	203	10	eprianti	eprianti	PROPN
hi-230	203	11	,	,	PUNCT
hi-230	203	12	n.	n.	NOUN
hi-230	203	13	(	(	PUNCT
hi-230	203	14	2018	2018	NUM
hi-230	203	15	)	)	PUNCT
hi-230	203	16	.	.	PUNCT
hi-230	204	1	pengaruh	pengaruh	PROPN
hi-230	204	2	pendampingan	pendampingan	PROPN
hi-230	204	3	program	program	PROPN
hi-230	204	4	puspa	puspa	PROPN
hi-230	204	5	terhadap	terhadap	PROPN
hi-230	204	6	minat	minat	PROPN
hi-230	204	7	umkm	umkm	PROPN
hi-230	204	8	syariah	syariah	PROPN
hi-230	204	9	dalam	dalam	PROPN
hi-230	204	10	pengajuan	pengajuan	PROPN
hi-230	204	11	pembiayaan	pembiayaan	PROPN
hi-230	204	12	ke	ke	PROPN
hi-230	204	13	perbankan	perbankan	PROPN
hi-230	204	14	syariah	syariah	PROPN
hi-230	204	15	.	.	PUNCT
hi-230	205	1	bandung	bandung	PROPN
hi-230	205	2	:	:	PUNCT
hi-230	205	3	prosiding	proside	VERB
hi-230	205	4	hukum	hukum	PROPN
hi-230	205	5	ekonomi	ekonomi	PROPN
hi-230	205	6	syariah	syariah	PROPN
hi-230	205	7	.	.	PUNCT
hi-230	206	1	pasha	pasha	PROPN
hi-230	206	2	,	,	PUNCT
hi-230	206	3	a.	a.	PROPN
hi-230	206	4	r.	r.	PROPN
hi-230	206	5	(	(	PUNCT
hi-230	206	6	2018	2018	NUM
hi-230	206	7	,	,	PUNCT
hi-230	206	8	12	12	NUM
hi-230	206	9	3	3	NUM
hi-230	206	10	)	)	PUNCT
hi-230	206	11	.	.	PUNCT
hi-230	207	1	cara	cara	PROPN
hi-230	207	2	kembangkan	kembangkan	PROPN
hi-230	207	3	bisnis	bisnis	PROPN
hi-230	207	4	umkm	umkm	PROPN
hi-230	207	5	dengan	dengan	PROPN
hi-230	207	6	pinjaman	pinjaman	PROPN
hi-230	207	7	modal	modal	PROPN
hi-230	207	8	dari	dari	PROPN
hi-230	207	9	fintech	fintech	NOUN
hi-230	207	10	.	.	PUNCT
hi-230	208	1	online	online	PROPN
hi-230	208	2	available	available	ADJ
hi-230	208	3	from	from	ADP
hi-230	208	4	:	:	PUNCT
hi-230	208	5	https://www.cermati.com/artikel/cara-kembangkan-bisnis-umkm	https://www.cermati.com/artikel/cara-kembangkan-bisnis-umkm	PROPN
hi-230	208	6	dengan	dengan	PROPN
hi-230	208	7	-	-	PUNCT
hi-230	208	8	pinjaman	pinjaman	PROPN
hi-230	208	9	-	-	PUNCT
hi-230	208	10	modal	modal	ADJ
hi-230	208	11	-	-	PUNCT
hi-230	208	12	dari	dari	ADJ
hi-230	208	13	-	-	PUNCT
hi-230	208	14	fintech	fintech	NOUN
hi-230	208	15	perdana	perdana	PROPN
hi-230	208	16	,	,	PUNCT
hi-230	208	17	j.	j.	PROPN
hi-230	208	18	(	(	PUNCT
hi-230	208	19	2017	2017	NUM
hi-230	208	20	,	,	PUNCT
hi-230	208	21	mei	mei	PROPN
hi-230	208	22	rabu	rabu	PROPN
hi-230	208	23	)	)	PUNCT
hi-230	208	24	.	.	PUNCT
hi-230	209	1	marketeers.com	marketeers.com	X
hi-230	209	2	.	.	PUNCT
hi-230	209	3	available	available	ADJ
hi-230	209	4	from	from	ADP
hi-230	209	5	:	:	PUNCT
hi-230	209	6	http://goog.gl/m7bwbc	http://goog.gl/m7bwbc	PROPN
hi-230	209	7	paulino	paulino	PROPN
hi-230	209	8	,	,	PUNCT
hi-230	209	9	h.	h.	PROPN
hi-230	209	10	,	,	PUNCT
hi-230	209	11	gatpandan	gatpandan	PROPN
hi-230	209	12	,	,	PUNCT
hi-230	209	13	m.	m.	PROPN
hi-230	209	14	f.	f.	PROPN
hi-230	209	15	,	,	PUNCT
hi-230	209	16	rosas	rosa	NOUN
hi-230	209	17	,	,	PUNCT
hi-230	209	18	and	and	CCONJ
hi-230	209	19	daniel	daniel	PROPN
hi-230	209	20	,	,	PUNCT
hi-230	209	21	d.	d.	PROPN
hi-230	209	22	j.	j.	PROPN
hi-230	209	23	r.	r.	PROPN
hi-230	209	24	(	(	PUNCT
hi-230	209	25	2017	2017	NUM
hi-230	209	26	)	)	PUNCT
hi-230	209	27	.	.	PUNCT
hi-230	210	1	microsoft	microsoft	PROPN
hi-230	210	2	office	office	PROPN
hi-230	210	3	specialist	specialist	NOUN
hi-230	210	4	and	and	CCONJ
hi-230	210	5	microsoft	microsoft	PROPN
hi-230	210	6	technology	technology	PROPN
hi-230	210	7	associate	associate	PROPN
hi-230	210	8	certification	certification	NOUN
hi-230	210	9	:	:	PUNCT
hi-230	210	10	an	an	DET
hi-230	210	11	integrated	integrated	ADJ
hi-230	210	12	curriculum	curriculum	NOUN
hi-230	210	13	for	for	ADP
hi-230	210	14	technical	technical	ADJ
hi-230	210	15	skills	skill	NOUN
hi-230	210	16	validation	validation	NOUN
hi-230	210	17	.	.	PUNCT
hi-230	211	1	journal	journal	NOUN
hi-230	211	2	of	of	ADP
hi-230	211	3	advanced	advanced	ADJ
hi-230	211	4	research	research	NOUN
hi-230	211	5	in	in	ADP
hi-230	211	6	social	social	ADJ
hi-230	211	7	sciences	science	NOUN
hi-230	211	8	and	and	CCONJ
hi-230	211	9	humanities	humanity	NOUN
hi-230	211	10	,	,	PUNCT
hi-230	211	11	2(5	2(5	NUM
hi-230	211	12	)	)	PUNCT
hi-230	211	13	,	,	PUNCT
hi-230	211	14	277	277	NUM
hi-230	211	15	-	-	SYM
hi-230	211	16	283	283	NUM
hi-230	211	17	ri	ri	PROPN
hi-230	211	18	,	,	PUNCT
hi-230	211	19	d.	d.	PROPN
hi-230	211	20	a.	a.	PROPN
hi-230	211	21	(	(	PUNCT
hi-230	211	22	1989	1989	NUM
hi-230	211	23	)	)	PUNCT
hi-230	211	24	.	.	PUNCT
hi-230	212	1	al	al	PROPN
hi-230	212	2	-	-	PUNCT
hi-230	212	3	qur'an	qur'an	PROPN
hi-230	212	4	dan	dan	PROPN
hi-230	212	5	terjemahnya	terjemahnya	PROPN
hi-230	212	6	.	.	PUNCT
hi-230	213	1	bandung	bandung	PROPN
hi-230	213	2	:	:	PUNCT
hi-230	213	3	cv	cv	PROPN
hi-230	213	4	.	.	PROPN
hi-230	213	5	diponegoro	diponegoro	PROPN
hi-230	213	6	.	.	PUNCT
hi-230	214	1	rianse	rianse	NOUN
hi-230	214	2	,	,	PUNCT
hi-230	214	3	u.	u.	PROPN
hi-230	214	4	,	,	PUNCT
hi-230	214	5	&	&	CCONJ
hi-230	214	6	abdi	abdi	PROPN
hi-230	214	7	.	.	PUNCT
hi-230	215	1	(	(	PUNCT
hi-230	215	2	2009	2009	NUM
hi-230	215	3	)	)	PUNCT
hi-230	215	4	.	.	PUNCT
hi-230	216	1	metodologi	metodologi	PROPN
hi-230	216	2	penelitian	penelitian	PROPN
hi-230	216	3	sosial	sosial	PROPN
hi-230	216	4	dan	dan	PROPN
hi-230	216	5	ekonomi	ekonomi	PROPN
hi-230	216	6	;	;	PUNCT
hi-230	216	7	teori	teori	PROPN
hi-230	216	8	dan	dan	PROPN
hi-230	216	9	aplikasi	aplikasi	PROPN
hi-230	216	10	.	.	PUNCT
hi-230	217	1	bandung	bandung	PROPN
hi-230	217	2	:	:	PUNCT
hi-230	217	3	alfabeta	alfabeta	PROPN
hi-230	217	4	.	.	PROPN
hi-230	218	1	rumondang	rumondang	PROPN
hi-230	218	2	,	,	PUNCT
hi-230	218	3	a.	a.	NOUN
hi-230	218	4	(	(	PUNCT
hi-230	218	5	2018	2018	NUM
hi-230	218	6	)	)	PUNCT
hi-230	218	7	.	.	PUNCT
hi-230	219	1	the	the	DET
hi-230	219	2	utilization	utilization	NOUN
hi-230	219	3	of	of	ADP
hi-230	219	4	fintech	fintech	NOUN
hi-230	219	5	(	(	PUNCT
hi-230	219	6	p2p	p2p	NOUN
hi-230	219	7	landing	landing	NOUN
hi-230	219	8	)	)	PUNCT
hi-230	219	9	as	as	ADP
hi-230	219	10	sme	sme	NOUN
hi-230	219	11	capital	capital	NOUN
hi-230	219	12	solution	solution	NOUN
hi-230	219	13	in	in	ADP
hi-230	219	14	indonesia	indonesia	PROPN
hi-230	219	15	:	:	PUNCT
hi-230	219	16	perspective	perspective	NOUN
hi-230	219	17	in	in	ADP
hi-230	219	18	islamic	islamic	ADJ
hi-230	219	19	economics	economic	NOUN
hi-230	219	20	.	.	PUNCT
hi-230	220	1	proceeding	proceed	VERB
hi-230	220	2	international	international	ADJ
hi-230	220	3	:	:	PUNCT
hi-230	220	4	conference	conference	NOUN
hi-230	220	5	on	on	ADP
hi-230	220	6	empowering	empower	VERB
hi-230	220	7	moslem	moslem	PROPN
hi-230	220	8	society	society	NOUN
hi-230	220	9	in	in	ADP
hi-230	220	10	digital	digital	ADJ
hi-230	220	11	era	era	NOUN
hi-230	220	12	,	,	PUNCT
hi-230	220	13	(	(	PUNCT
hi-230	220	14	p.	p.	NOUN
hi-230	220	15	https://doi.org/10.24090/icms.201	https://doi.org/10.24090/icms.201	NUM
hi-230	220	16	)	)	PUNCT
hi-230	220	17	.	.	PUNCT
hi-230	221	1	jakarta	jakarta	PROPN
hi-230	221	2	.	.	PUNCT
hi-230	222	1	wijayanti	wijayanti	PROPN
hi-230	222	2	,	,	PUNCT
hi-230	222	3	t.	t.	PROPN
hi-230	222	4	(	(	PUNCT
hi-230	222	5	2018	2018	NUM
hi-230	222	6	)	)	PUNCT
hi-230	222	7	.	.	PUNCT
hi-230	223	1	pelaksanaan	pelaksanaan	PROPN
hi-230	223	2	pemberian	pemberian	PROPN
hi-230	223	3	kredit	kredit	PROPN
hi-230	223	4	berbasis	berbasis	PROPN
hi-230	223	5	tehnologi	tehnologi	PROPN
hi-230	223	6	informasi	informasi	PROPN
hi-230	223	7	oleh	oleh	PROPN
hi-230	223	8	fintech	fintech	PROPN
hi-230	223	9	kepada	kepada	PROPN
hi-230	223	10	pelaku	pelaku	PROPN
hi-230	223	11	ukm	ukm	PROPN
hi-230	223	12	.	.	PROPN
hi-230	223	13	skripsi	skripsi	PROPN
hi-230	223	14	;	;	PUNCT
hi-230	223	15	universitas	universita	NOUN
hi-230	223	16	muhammadiyah	muhammadiyah	ADP
hi-230	223	17	surakarta	surakarta	NOUN
hi-230	223	18	.	.	PUNCT
hi-230	224	1	wildan	wildan	PROPN
hi-230	224	2	,	,	PUNCT
hi-230	224	3	m.	m.	NOUN
hi-230	224	4	(	(	PUNCT
hi-230	224	5	2019	2019	NUM
hi-230	224	6	)	)	PUNCT
hi-230	224	7	.	.	PUNCT
hi-230	225	1	pengaruh	pengaruh	VERB
hi-230	225	2	persepsi	persepsi	PROPN
hi-230	225	3	kemudahan	kemudahan	PROPN
hi-230	225	4	penggunaan	penggunaan	PROPN
hi-230	225	5	,	,	PUNCT
hi-230	225	6	efektivitas	efektivita	VERB
hi-230	225	7	dan	dan	PROPN
hi-230	225	8	risiko	risiko	PROPN
hi-230	225	9	terhadap	terhadap	PROPN
hi-230	225	10	minat	minat	PROPN
hi-230	225	11	bertransaksi	bertransaksi	PROPN
hi-230	225	12	menggunakan	menggunakan	PROPN
hi-230	225	13	financialtechnology(fintech	financialtechnology(fintech	PROPN
hi-230	225	14	)	)	PUNCT
hi-230	225	15	.	.	PUNCT
hi-230	226	1	skripsi	skripsi	PROPN
hi-230	226	2	,	,	PUNCT
hi-230	226	3	universitas	universitas	PROPN
hi-230	226	4	islam	islam	PROPN
hi-230	226	5	negeri	negeri	PROPN
hi-230	226	6	walisongo	walisongo	PROPN
hi-230	226	7	.	.	PUNCT
hi-230	227	1	https://hamdardfoundation.org/hamdard%20islamicus/	https://hamdardfoundation.org/hamdard%20islamicus/	PROPN
hi-230	227	2	http://www.cermati.com/artikel/cara-kembangkan-bisnis-umkmhttp://www.cermati.com/artikel/cara-kembangkan-bisnis-umkmhttp://goog.gl/m7bwbc	http://www.cermati.com/artikel/cara-kembangkan-bisnis-umkmhttp://www.cermati.com/artikel/cara-kembangkan-bisnis-umkmhttp://goog.gl/m7bwbc	PROPN