id	sid	tid	token	lemma	pos
hi-38	1	1	f:\e\islamicus\2020\n0	f:\e\islamicus\2020\n0	PROPN
hi-38	1	2	.	.	PUNCT
hi-38	2	1	1\new	1\new	NUM
hi-38	2	2	folder\the	folder\the	DET
hi-38	2	3	funding	funding	NOUN
hi-38	2	4	liquidity	liquidity	NOUN
hi-38	2	5	risk	risk	NOUN
hi-38	2	6	and	and	CCONJ
hi-38	2	7	bank	bank	NOUN
hi-38	2	8	risk	risk	NOUN
hi-38	2	9	-.pmd	-.pmd	PROPN
hi-38	2	10	hamdard	hamdard	PROPN
hi-38	2	11	islamicus	islamicus	PROPN
hi-38	2	12	vol	vol	NOUN
hi-38	2	13	.	.	PUNCT
hi-38	3	1	xliii	xliii	PROPN
hi-38	3	2	,	,	PUNCT
hi-38	3	3	no	no	INTJ
hi-38	3	4	.	.	NOUN
hi-38	3	5	1	1	NUM
hi-38	3	6	83	83	NUM
hi-38	3	7	the	the	DET
hi-38	3	8	funding	funding	NOUN
hi-38	3	9	liquidity	liquidity	NOUN
hi-38	3	10	risk	risk	NOUN
hi-38	3	11	and	and	CCONJ
hi-38	3	12	bank	bank	NOUN
hi-38	3	13	risk	risk	NOUN
hi-38	3	14	:	:	PUNCT
hi-38	3	15	a	a	DET
hi-38	3	16	review	review	NOUN
hi-38	3	17	on	on	ADP
hi-38	3	18	the	the	DET
hi-38	3	19	islamic	islamic	ADJ
hi-38	3	20	and	and	CCONJ
hi-38	3	21	conventional	conventional	ADJ
hi-38	3	22	banks	bank	NOUN
hi-38	3	23	in	in	ADP
hi-38	3	24	pakistan	pakistan	PROPN
hi-38	3	25	1saira	1saira	PROPN
hi-38	3	26	ghulam	ghulam	PROPN
hi-38	3	27	hassan	hassan	PROPN
hi-38	3	28	,	,	PUNCT
hi-38	3	29	2waeibrorheem	2waeibrorheem	NUM
hi-38	3	30	waemustafa	waemustafa	NOUN
hi-38	3	31	,	,	PUNCT
hi-38	3	32	1school	1school	NUM
hi-38	3	33	of	of	ADP
hi-38	3	34	economics	economic	NOUN
hi-38	3	35	finance	finance	NOUN
hi-38	3	36	and	and	CCONJ
hi-38	3	37	banking	banking	NOUN
hi-38	3	38	,	,	PUNCT
hi-38	3	39	college	college	NOUN
hi-38	3	40	of	of	ADP
hi-38	3	41	banking	banking	PROPN
hi-38	3	42	universiti	universiti	PROPN
hi-38	3	43	utara	utara	NOUN
hi-38	3	44	,	,	PUNCT
hi-38	3	45	malaysia	malaysia	PROPN
hi-38	3	46	e	e	NOUN
hi-38	3	47	-	-	NOUN
hi-38	3	48	mail	mail	NOUN
hi-38	3	49	:	:	PUNCT
hi-38	4	1	sairananasimhbl@gmail.com	sairananasimhbl@gmail.com	PROPN
hi-38	4	2	2school	2school	NUM
hi-38	4	3	of	of	ADP
hi-38	4	4	economics	economic	NOUN
hi-38	4	5	finance	finance	NOUN
hi-38	4	6	and	and	CCONJ
hi-38	4	7	banking	banking	NOUN
hi-38	4	8	,	,	PUNCT
hi-38	4	9	college	college	NOUN
hi-38	4	10	of	of	ADP
hi-38	4	11	banking	banking	PROPN
hi-38	4	12	universiti	universiti	PROPN
hi-38	4	13	utara	utara	NOUN
hi-38	4	14	,	,	PUNCT
hi-38	4	15	malaysia	malaysia	PROPN
hi-38	4	16	e	e	NOUN
hi-38	4	17	-	-	NOUN
hi-38	4	18	mail	mail	NOUN
hi-38	4	19	:	:	PUNCT
hi-38	4	20	waeibrorheem@uum.edu.my	waeibrorheem@uum.edu.my	ADP
hi-38	4	21	the	the	DET
hi-38	4	22	prime	prime	ADJ
hi-38	4	23	objective	objective	NOUN
hi-38	4	24	of	of	ADP
hi-38	4	25	the	the	DET
hi-38	4	26	current	current	ADJ
hi-38	4	27	study	study	NOUN
hi-38	4	28	is	be	AUX
hi-38	4	29	to	to	PART
hi-38	4	30	discuss	discuss	VERB
hi-38	4	31	the	the	DET
hi-38	4	32	link	link	NOUN
hi-38	4	33	between	between	ADP
hi-38	4	34	the	the	DET
hi-38	4	35	funding	funding	NOUN
hi-38	4	36	liquidity	liquidity	NOUN
hi-38	4	37	risk	risk	NOUN
hi-38	4	38	and	and	CCONJ
hi-38	4	39	bank	bank	NOUN
hi-38	4	40	risk	risk	NOUN
hi-38	4	41	for	for	ADP
hi-38	4	42	islamic	islamic	ADJ
hi-38	4	43	and	and	CCONJ
hi-38	4	44	conventional	conventional	ADJ
hi-38	4	45	of	of	ADP
hi-38	4	46	pakistan	pakistan	PROPN
hi-38	4	47	.	.	PUNCT
hi-38	5	1	the	the	DET
hi-38	5	2	international	international	ADJ
hi-38	5	3	financial	financial	ADJ
hi-38	5	4	system	system	NOUN
hi-38	5	5	has	have	AUX
hi-38	5	6	been	be	AUX
hi-38	5	7	implemented	implement	VERB
hi-38	5	8	in	in	ADP
hi-38	5	9	the	the	DET
hi-38	5	10	banking	banking	NOUN
hi-38	5	11	system	system	NOUN
hi-38	5	12	of	of	ADP
hi-38	5	13	pakistan	pakistan	PROPN
hi-38	5	14	.	.	PUNCT
hi-38	6	1	irrespective	irrespective	ADV
hi-38	6	2	of	of	ADP
hi-38	6	3	some	some	DET
hi-38	6	4	unique	unique	ADJ
hi-38	6	5	aspects	aspect	NOUN
hi-38	6	6	of	of	ADP
hi-38	6	7	the	the	DET
hi-38	6	8	market	market	NOUN
hi-38	6	9	,	,	PUNCT
hi-38	6	10	significant	significant	ADJ
hi-38	6	11	influence	influence	NOUN
hi-38	6	12	has	have	AUX
hi-38	6	13	been	be	AUX
hi-38	6	14	received	receive	VERB
hi-38	6	15	from	from	ADP
hi-38	6	16	the	the	DET
hi-38	6	17	internal	internal	ADJ
hi-38	6	18	banking	banking	NOUN
hi-38	6	19	system	system	NOUN
hi-38	6	20	.	.	PUNCT
hi-38	7	1	two	two	NUM
hi-38	7	2	systems	system	NOUN
hi-38	7	3	are	be	AUX
hi-38	7	4	being	be	AUX
hi-38	7	5	used	use	VERB
hi-38	7	6	in	in	ADP
hi-38	7	7	the	the	DET
hi-38	7	8	banking	banking	NOUN
hi-38	7	9	sector	sector	NOUN
hi-38	7	10	of	of	ADP
hi-38	7	11	pakistan	pakistan	PROPN
hi-38	7	12	,	,	PUNCT
hi-38	7	13	which	which	PRON
hi-38	7	14	includes	include	VERB
hi-38	7	15	islamic	islamic	ADJ
hi-38	7	16	banking	banking	NOUN
hi-38	7	17	and	and	CCONJ
hi-38	7	18	traditional	traditional	ADJ
hi-38	7	19	banking	banking	NOUN
hi-38	7	20	system	system	NOUN
hi-38	7	21	.	.	PUNCT
hi-38	8	1	the	the	DET
hi-38	8	2	traditional	traditional	ADJ
hi-38	8	3	system	system	NOUN
hi-38	8	4	of	of	ADP
hi-38	8	5	banking	banking	NOUN
hi-38	8	6	involves	involve	VERB
hi-38	8	7	interest	interest	NOUN
hi-38	8	8	on	on	ADP
hi-38	8	9	money	money	NOUN
hi-38	8	10	.	.	PUNCT
hi-38	9	1	the	the	DET
hi-38	9	2	depositor	depositor	NOUN
hi-38	9	3	receives	receive	VERB
hi-38	9	4	a	a	DET
hi-38	9	5	specific	specific	ADJ
hi-38	9	6	amount	amount	NOUN
hi-38	9	7	over	over	ADP
hi-38	9	8	his	his	PRON
hi-38	9	9	/	/	SYM
hi-38	9	10	her	her	PRON
hi-38	9	11	deposits	deposit	NOUN
hi-38	9	12	.	.	PUNCT
hi-38	10	1	however	however	ADV
hi-38	10	2	,	,	PUNCT
hi-38	10	3	the	the	DET
hi-38	10	4	islamic	islamic	ADJ
hi-38	10	5	banking	banking	NOUN
hi-38	10	6	system	system	NOUN
hi-38	10	7	is	be	AUX
hi-38	10	8	based	base	VERB
hi-38	10	9	on	on	ADP
hi-38	10	10	shariah	shariah	PROPN
hi-38	10	11	rules	rule	NOUN
hi-38	10	12	and	and	CCONJ
hi-38	10	13	policies	policy	NOUN
hi-38	10	14	.	.	PUNCT
hi-38	11	1	a	a	DET
hi-38	11	2	major	major	ADJ
hi-38	11	3	gap	gap	NOUN
hi-38	11	4	on	on	ADP
hi-38	11	5	liquidity	liquidity	NOUN
hi-38	11	6	research	research	NOUN
hi-38	11	7	is	be	AUX
hi-38	11	8	that	that	SCONJ
hi-38	11	9	there	there	PRON
hi-38	11	10	is	be	VERB
hi-38	11	11	inconsistency	inconsistency	NOUN
hi-38	11	12	in	in	ADP
hi-38	11	13	the	the	DET
hi-38	11	14	relationship	relationship	NOUN
hi-38	11	15	between	between	ADP
hi-38	11	16	funding	fund	VERB
hi-38	11	17	liquidity	liquidity	NOUN
hi-38	11	18	risk	risk	NOUN
hi-38	11	19	and	and	CCONJ
hi-38	11	20	bank	bank	NOUN
hi-38	11	21	risk	risk	NOUN
hi-38	11	22	.	.	PUNCT
hi-38	12	1	this	this	PRON
hi-38	12	2	has	have	AUX
hi-38	12	3	resulted	result	VERB
hi-38	12	4	in	in	ADP
hi-38	12	5	different	different	ADJ
hi-38	12	6	researchers	researcher	NOUN
hi-38	12	7	giving	give	VERB
hi-38	12	8	conflicting	conflicting	ADJ
hi-38	12	9	views	view	NOUN
hi-38	12	10	on	on	ADP
hi-38	12	11	the	the	DET
hi-38	12	12	significance	significance	NOUN
hi-38	12	13	of	of	ADP
hi-38	12	14	various	various	ADJ
hi-38	12	15	factors	factor	NOUN
hi-38	12	16	that	that	PRON
hi-38	12	17	influence	influence	VERB
hi-38	12	18	liquidity	liquidity	NOUN
hi-38	12	19	risk	risk	NOUN
hi-38	12	20	or	or	CCONJ
hi-38	12	21	affected	affect	VERB
hi-38	12	22	by	by	ADP
hi-38	12	23	the	the	DET
hi-38	12	24	liquidty	liquidty	NOUN
hi-38	12	25	risk	risk	NOUN
hi-38	12	26	.	.	PUNCT
hi-38	13	1	the	the	DET
hi-38	13	2	author	author	NOUN
hi-38	13	3	has	have	AUX
hi-38	13	4	used	use	VERB
hi-38	13	5	the	the	DET
hi-38	13	6	scopus	scopus	PROPN
hi-38	13	7	database	database	NOUN
hi-38	13	8	to	to	PART
hi-38	13	9	find	find	VERB
hi-38	13	10	the	the	DET
hi-38	13	11	literature	literature	NOUN
hi-38	13	12	on	on	ADP
hi-38	13	13	the	the	DET
hi-38	13	14	relationship	relationship	NOUN
hi-38	13	15	between	between	ADP
hi-38	13	16	the	the	DET
hi-38	13	17	funding	funding	NOUN
hi-38	13	18	liquidity	liquidity	NOUN
hi-38	13	19	risk	risk	NOUN
hi-38	13	20	and	and	CCONJ
hi-38	13	21	bank	bank	NOUN
hi-38	13	22	risk	risk	NOUN
hi-38	13	23	.	.	PUNCT
hi-38	14	1	the	the	DET
hi-38	14	2	study	study	NOUN
hi-38	14	3	is	be	AUX
hi-38	14	4	among	among	ADP
hi-38	14	5	the	the	DET
hi-38	14	6	pioneer	pioneer	NOUN
hi-38	14	7	studies	study	NOUN
hi-38	14	8	on	on	ADP
hi-38	14	9	the	the	DET
hi-38	14	10	issues	issue	NOUN
hi-38	14	11	related	relate	VERB
hi-38	14	12	to	to	ADP
hi-38	14	13	funding	fund	VERB
hi-38	14	14	liquidity	liquidity	NOUN
hi-38	14	15	risk	risk	NOUN
hi-38	14	16	and	and	CCONJ
hi-38	14	17	liquidity	liquidity	NOUN
hi-38	14	18	risk	risk	NOUN
hi-38	14	19	,	,	PUNCT
hi-38	14	20	and	and	CCONJ
hi-38	14	21	will	will	AUX
hi-38	14	22	be	be	AUX
hi-38	14	23	helpful	helpful	ADJ
hi-38	14	24	for	for	ADP
hi-38	14	25	the	the	DET
hi-38	14	26	policy	policy	NOUN
hi-38	14	27	makers	maker	NOUN
hi-38	14	28	,	,	PUNCT
hi-38	14	29	bankers	banker	NOUN
hi-38	14	30	and	and	CCONJ
hi-38	14	31	practitioners	practitioner	NOUN
hi-38	14	32	.	.	PUNCT
hi-38	15	1	key	key	ADJ
hi-38	15	2	words	word	NOUN
hi-38	15	3	:	:	PUNCT
hi-38	15	4	funding	fund	VERB
hi-38	15	5	liquidity	liquidity	NOUN
hi-38	15	6	risk	risk	NOUN
hi-38	15	7	;	;	PUNCT
hi-38	15	8	liquidity	liquidity	NOUN
hi-38	15	9	risk	risk	NOUN
hi-38	15	10	;	;	PUNCT
hi-38	15	11	policy	policy	NOUN
hi-38	15	12	-	-	PUNCT
hi-38	15	13	makers	maker	NOUN
hi-38	15	14	;	;	PUNCT
hi-38	15	15	practitioners	practitioner	NOUN
hi-38	15	16	.	.	PUNCT
hi-38	16	1	introduction	introduction	NOUN
hi-38	16	2	banking	banking	NOUN
hi-38	16	3	is	be	AUX
hi-38	16	4	the	the	DET
hi-38	16	5	only	only	ADJ
hi-38	16	6	sector	sector	NOUN
hi-38	16	7	in	in	ADP
hi-38	16	8	the	the	DET
hi-38	16	9	economy	economy	NOUN
hi-38	16	10	where	where	SCONJ
hi-38	16	11	many	many	ADJ
hi-38	16	12	risks	risk	NOUN
hi-38	16	13	are	be	AUX
hi-38	16	14	jointly	jointly	ADV
hi-38	16	15	managed	manage	VERB
hi-38	16	16	(	(	PUNCT
hi-38	16	17	chiaramonte	chiaramonte	NOUN
hi-38	16	18	,	,	PUNCT
hi-38	16	19	2018	2018	NUM
hi-38	16	20	)	)	PUNCT
hi-38	16	21	.	.	PUNCT
hi-38	17	1	the	the	DET
hi-38	17	2	very	very	ADJ
hi-38	17	3	nature	nature	NOUN
hi-38	17	4	of	of	ADP
hi-38	17	5	banks	bank	NOUN
hi-38	17	6	is	be	AUX
hi-38	17	7	84	84	NUM
hi-38	17	8	the	the	DET
hi-38	17	9	funding	funding	NOUN
hi-38	17	10	liquidity	liquidity	NOUN
hi-38	17	11	risk	risk	NOUN
hi-38	17	12	...	...	PUNCT
hi-38	17	13	managing	manage	VERB
hi-38	17	14	numerous	numerous	ADJ
hi-38	17	15	and	and	CCONJ
hi-38	17	16	seemingly	seemingly	ADV
hi-38	17	17	opposing	opposing	ADJ
hi-38	17	18	needs	need	NOUN
hi-38	17	19	.	.	PUNCT
hi-38	18	1	they	they	PRON
hi-38	18	2	always	always	ADV
hi-38	18	3	provide	provide	VERB
hi-38	18	4	liquidity	liquidity	NOUN
hi-38	18	5	to	to	ADP
hi-38	18	6	their	their	PRON
hi-38	18	7	depositors	depositor	NOUN
hi-38	18	8	when	when	SCONJ
hi-38	18	9	they	they	PRON
hi-38	18	10	demand	demand	VERB
hi-38	18	11	for	for	ADP
hi-38	18	12	by	by	ADP
hi-38	18	13	checking	check	VERB
hi-38	18	14	account	account	NOUN
hi-38	18	15	,	,	PUNCT
hi-38	18	16	and	and	CCONJ
hi-38	18	17	they	they	PRON
hi-38	18	18	also	also	ADV
hi-38	18	19	extend	extend	VERB
hi-38	18	20	credit	credit	NOUN
hi-38	18	21	and	and	CCONJ
hi-38	18	22	liquidity	liquidity	NOUN
hi-38	18	23	to	to	ADP
hi-38	18	24	borrowers	borrower	NOUN
hi-38	18	25	by	by	ADP
hi-38	18	26	credit	credit	NOUN
hi-38	18	27	lines	line	NOUN
hi-38	18	28	(	(	PUNCT
hi-38	18	29	ghenimi	ghenimi	PROPN
hi-38	18	30	et	et	PROPN
hi-38	18	31	al	al	PROPN
hi-38	18	32	.	.	PROPN
hi-38	18	33	,	,	PUNCT
hi-38	18	34	2017	2017	NUM
hi-38	18	35	)	)	PUNCT
hi-38	18	36	.	.	PUNCT
hi-38	19	1	due	due	ADP
hi-38	19	2	to	to	ADP
hi-38	19	3	these	these	DET
hi-38	19	4	crucial	crucial	ADJ
hi-38	19	5	roles	role	NOUN
hi-38	19	6	played	play	VERB
hi-38	19	7	by	by	ADP
hi-38	19	8	banks	bank	NOUN
hi-38	19	9	,	,	PUNCT
hi-38	19	10	they	they	PRON
hi-38	19	11	are	be	AUX
hi-38	19	12	exposed	expose	VERB
hi-38	19	13	and	and	CCONJ
hi-38	19	14	always	always	ADV
hi-38	19	15	concerned	concern	VERB
hi-38	19	16	with	with	ADP
hi-38	19	17	liquidity	liquidity	NOUN
hi-38	19	18	and	and	CCONJ
hi-38	19	19	solvency	solvency	NOUN
hi-38	19	20	.	.	PUNCT
hi-38	20	1	by	by	ADP
hi-38	20	2	tradition	tradition	NOUN
hi-38	20	3	,	,	PUNCT
hi-38	20	4	capital	capital	NOUN
hi-38	20	5	is	be	AUX
hi-38	20	6	held	hold	VERB
hi-38	20	7	by	by	ADP
hi-38	20	8	banks	bank	NOUN
hi-38	20	9	to	to	PART
hi-38	20	10	serve	serve	VERB
hi-38	20	11	as	as	ADP
hi-38	20	12	a	a	DET
hi-38	20	13	safety	safety	NOUN
hi-38	20	14	measure	measure	NOUN
hi-38	20	15	in	in	ADP
hi-38	20	16	the	the	DET
hi-38	20	17	case	case	NOUN
hi-38	20	18	of	of	ADP
hi-38	20	19	insolvency	insolvency	NOUN
hi-38	20	20	,	,	PUNCT
hi-38	20	21	as	as	ADV
hi-38	20	22	well	well	ADV
hi-38	20	23	as	as	ADP
hi-38	20	24	held	hold	VERB
hi-38	20	25	liquid	liquid	ADJ
hi-38	20	26	assets	asset	NOUN
hi-38	20	27	(	(	PUNCT
hi-38	20	28	i.e.	i.e.	X
hi-38	20	29	securities	security	NOUN
hi-38	20	30	and	and	CCONJ
hi-38	20	31	cash	cash	NOUN
hi-38	20	32	)	)	PUNCT
hi-38	20	33	as	as	SCONJ
hi-38	20	34	a	a	DET
hi-38	20	35	safety	safety	NOUN
hi-38	20	36	measures	measure	NOUN
hi-38	20	37	against	against	ADP
hi-38	20	38	unforeseen	unforeseen	ADJ
hi-38	20	39	depositors	depositor	NOUN
hi-38	20	40	’	’	PART
hi-38	20	41	withdrawals	withdrawal	NOUN
hi-38	20	42	or	or	CCONJ
hi-38	20	43	borrowers	borrower	NOUN
hi-38	20	44	draw	draw	VERB
hi-38	20	45	down	down	ADP
hi-38	20	46	(	(	PUNCT
hi-38	20	47	bawa	bawa	PROPN
hi-38	20	48	,	,	PUNCT
hi-38	20	49	&	&	CCONJ
hi-38	20	50	basu	basu	PROPN
hi-38	20	51	,	,	PUNCT
hi-38	20	52	2019	2019	NUM
hi-38	20	53	)	)	PUNCT
hi-38	20	54	.	.	PUNCT
hi-38	21	1	liquidity	liquidity	NOUN
hi-38	21	2	risk	risk	NOUN
hi-38	21	3	(	(	PUNCT
hi-38	21	4	henceforth	henceforth	ADV
hi-38	21	5	lr	lr	X
hi-38	21	6	)	)	PUNCT
hi-38	21	7	is	be	AUX
hi-38	21	8	regarded	regard	VERB
hi-38	21	9	as	as	ADP
hi-38	21	10	the	the	DET
hi-38	21	11	reliable	reliable	ADJ
hi-38	21	12	tracker	tracker	NOUN
hi-38	21	13	that	that	PRON
hi-38	21	14	leads	lead	VERB
hi-38	21	15	to	to	ADP
hi-38	21	16	any	any	DET
hi-38	21	17	austere	austere	ADJ
hi-38	21	18	market	market	NOUN
hi-38	21	19	crisis	crisis	NOUN
hi-38	21	20	;	;	PUNCT
hi-38	21	21	it	it	PRON
hi-38	21	22	is	be	AUX
hi-38	21	23	the	the	DET
hi-38	21	24	ultimate	ultimate	ADJ
hi-38	21	25	fuse	fuse	NOUN
hi-38	21	26	that	that	PRON
hi-38	21	27	carries	carry	VERB
hi-38	21	28	the	the	DET
hi-38	21	29	spark	spark	NOUN
hi-38	21	30	that	that	PRON
hi-38	21	31	explodes	explode	VERB
hi-38	21	32	both	both	DET
hi-38	21	33	credit	credit	NOUN
hi-38	21	34	and	and	CCONJ
hi-38	21	35	market	market	NOUN
hi-38	21	36	risks	risk	NOUN
hi-38	21	37	and	and	CCONJ
hi-38	21	38	is	be	AUX
hi-38	21	39	the	the	DET
hi-38	21	40	catalyst	catalyst	NOUN
hi-38	21	41	that	that	PRON
hi-38	21	42	often	often	ADV
hi-38	21	43	transmutes	transmute	VERB
hi-38	21	44	inaccessible	inaccessible	ADJ
hi-38	21	45	loss	loss	NOUN
hi-38	21	46	measures	measure	NOUN
hi-38	21	47	to	to	ADP
hi-38	21	48	systemic	systemic	ADJ
hi-38	21	49	contagious	contagious	ADJ
hi-38	21	50	failures	failure	NOUN
hi-38	21	51	(	(	PUNCT
hi-38	21	52	chen	chen	PROPN
hi-38	21	53	et	et	PROPN
hi-38	21	54	al	al	PROPN
hi-38	21	55	,	,	PUNCT
hi-38	21	56	2018	2018	NUM
hi-38	21	57	)	)	PUNCT
hi-38	21	58	.	.	PUNCT
hi-38	22	1	ahmad	ahmad	PROPN
hi-38	22	2	et	et	PROPN
hi-38	22	3	al	al	PROPN
hi-38	22	4	.	.	PROPN
hi-38	23	1	(	(	PUNCT
hi-38	23	2	2019	2019	NUM
hi-38	23	3	)	)	PUNCT
hi-38	23	4	noted	note	VERB
hi-38	23	5	that	that	SCONJ
hi-38	23	6	lr	lr	PROPN
hi-38	23	7	is	be	AUX
hi-38	23	8	the	the	DET
hi-38	23	9	incapability	incapability	NOUN
hi-38	23	10	of	of	ADP
hi-38	23	11	transacting	transact	VERB
hi-38	23	12	at	at	ADP
hi-38	23	13	a	a	DET
hi-38	23	14	reasonable	reasonable	ADJ
hi-38	23	15	price	price	NOUN
hi-38	23	16	with	with	ADP
hi-38	23	17	proximity	proximity	NOUN
hi-38	23	18	;	;	PUNCT
hi-38	23	19	it	it	PRON
hi-38	23	20	is	be	AUX
hi-38	23	21	regarded	regard	VERB
hi-38	23	22	as	as	ADP
hi-38	23	23	the	the	DET
hi-38	23	24	non	non	ADJ
hi-38	23	25	-	-	ADJ
hi-38	23	26	diversifiable	diversifiable	ADJ
hi-38	23	27	systematic	systematic	ADJ
hi-38	23	28	lr	lr	NOUN
hi-38	23	29	component	component	NOUN
hi-38	23	30	.	.	PUNCT
hi-38	24	1	furthermore	furthermore	ADV
hi-38	24	2	,	,	PUNCT
hi-38	24	3	international	international	ADJ
hi-38	24	4	monetary	monetary	ADJ
hi-38	24	5	fund	fund	NOUN
hi-38	24	6	(	(	PUNCT
hi-38	24	7	imf	imf	PROPN
hi-38	24	8	)	)	PUNCT
hi-38	24	9	(	(	PUNCT
hi-38	24	10	2008	2008	NUM
hi-38	24	11	)	)	PUNCT
hi-38	24	12	contented	content	VERB
hi-38	24	13	that	that	SCONJ
hi-38	24	14	funding	funding	NOUN
hi-38	24	15	lr	lr	NOUN
hi-38	24	16	encompasses	encompass	VERB
hi-38	24	17	the	the	DET
hi-38	24	18	incapability	incapability	NOUN
hi-38	24	19	of	of	ADP
hi-38	24	20	a	a	DET
hi-38	24	21	financial	financial	ADJ
hi-38	24	22	intermediary	intermediary	NOUN
hi-38	24	23	in	in	ADP
hi-38	24	24	servicing	service	VERB
hi-38	24	25	its	its	PRON
hi-38	24	26	liabilities	liability	NOUN
hi-38	24	27	when	when	SCONJ
hi-38	24	28	they	they	PRON
hi-38	24	29	due	due	VERB
hi-38	24	30	.	.	PUNCT
hi-38	25	1	it	it	PRON
hi-38	25	2	is	be	AUX
hi-38	25	3	regarded	regard	VERB
hi-38	25	4	as	as	ADP
hi-38	25	5	the	the	DET
hi-38	25	6	risk	risk	NOUN
hi-38	25	7	that	that	PRON
hi-38	25	8	occurs	occur	VERB
hi-38	25	9	when	when	SCONJ
hi-38	25	10	the	the	DET
hi-38	25	11	bank	bank	NOUN
hi-38	25	12	failed	fail	VERB
hi-38	25	13	to	to	PART
hi-38	25	14	immediately	immediately	ADV
hi-38	25	15	settle	settle	VERB
hi-38	25	16	its	its	PRON
hi-38	25	17	liabilities	liability	NOUN
hi-38	25	18	at	at	ADP
hi-38	25	19	their	their	PRON
hi-38	25	20	due	due	ADJ
hi-38	25	21	date	date	NOUN
hi-38	25	22	(	(	PUNCT
hi-38	25	23	drehmann	drehmann	PROPN
hi-38	25	24	&	&	CCONJ
hi-38	25	25	nikolaou	nikolaou	PROPN
hi-38	25	26	,	,	PUNCT
hi-38	25	27	2013	2013	NUM
hi-38	25	28	:	:	PUNCT
hi-38	25	29	boudt	boudt	NOUN
hi-38	25	30	et	et	PROPN
hi-38	25	31	al	al	PROPN
hi-38	25	32	.	.	PROPN
hi-38	25	33	,	,	PUNCT
hi-38	25	34	2017	2017	NUM
hi-38	25	35	)	)	PUNCT
hi-38	25	36	.	.	PUNCT
hi-38	26	1	banks	bank	NOUN
hi-38	26	2	lr	lr	INTJ
hi-38	26	3	is	be	AUX
hi-38	26	4	commonly	commonly	ADV
hi-38	26	5	created	create	VERB
hi-38	26	6	when	when	SCONJ
hi-38	26	7	banks	bank	NOUN
hi-38	26	8	involve	involve	VERB
hi-38	26	9	in	in	ADP
hi-38	26	10	investing	invest	VERB
hi-38	26	11	long	long	ADJ
hi-38	26	12	-	-	PUNCT
hi-38	26	13	term	term	NOUN
hi-38	26	14	asset	asset	NOUN
hi-38	26	15	with	with	ADP
hi-38	26	16	short	short	ADJ
hi-38	26	17	-	-	PUNCT
hi-38	26	18	term	term	NOUN
hi-38	26	19	debt	debt	NOUN
hi-38	26	20	because	because	SCONJ
hi-38	26	21	a	a	DET
hi-38	26	22	bank	bank	NOUN
hi-38	26	23	that	that	PRON
hi-38	26	24	is	be	AUX
hi-38	26	25	unable	unable	ADJ
hi-38	26	26	to	to	PART
hi-38	26	27	overturn	overturn	VERB
hi-38	26	28	maturing	mature	VERB
hi-38	26	29	debt	debt	NOUN
hi-38	26	30	may	may	AUX
hi-38	26	31	fail	fail	VERB
hi-38	26	32	in	in	ADP
hi-38	26	33	spite	spite	NOUN
hi-38	26	34	of	of	ADP
hi-38	26	35	being	be	AUX
hi-38	26	36	solvent	solvent	ADJ
hi-38	26	37	(	(	PUNCT
hi-38	26	38	ratnovski	ratnovski	NOUN
hi-38	26	39	,	,	PUNCT
hi-38	26	40	2013	2013	NUM
hi-38	26	41	)	)	PUNCT
hi-38	26	42	.	.	PUNCT
hi-38	27	1	rise	rise	VERB
hi-38	27	2	in	in	ADP
hi-38	27	3	uncertainty	uncertainty	NOUN
hi-38	27	4	over	over	ADP
hi-38	27	5	banks	bank	NOUN
hi-38	27	6	’	'	PUNCT
hi-38	27	7	solvency	solvency	NOUN
hi-38	27	8	leads	lead	VERB
hi-38	27	9	to	to	ADP
hi-38	27	10	major	major	ADJ
hi-38	27	11	modern	modern	ADJ
hi-38	27	12	bank	bank	NOUN
hi-38	27	13	liquidity	liquidity	NOUN
hi-38	27	14	problem	problem	NOUN
hi-38	27	15	in	in	ADP
hi-38	27	16	some	some	DET
hi-38	27	17	developed	develop	VERB
hi-38	27	18	economies	economy	NOUN
hi-38	27	19	,	,	PUNCT
hi-38	27	20	which	which	PRON
hi-38	27	21	also	also	ADV
hi-38	27	22	played	play	VERB
hi-38	27	23	out	out	ADP
hi-38	27	24	a	a	DET
hi-38	27	25	primary	primary	ADJ
hi-38	27	26	role	role	NOUN
hi-38	27	27	in	in	ADP
hi-38	27	28	the	the	DET
hi-38	27	29	general	general	ADJ
hi-38	27	30	funding	funding	NOUN
hi-38	27	31	markets	market	NOUN
hi-38	27	32	(	(	PUNCT
hi-38	27	33	laeven	laeven	ADJ
hi-38	27	34	et	et	PROPN
hi-38	27	35	al	al	PROPN
hi-38	27	36	.	.	PROPN
hi-38	27	37	,	,	PUNCT
hi-38	27	38	2016	2016	NUM
hi-38	27	39	)	)	PUNCT
hi-38	27	40	.	.	PUNCT
hi-38	28	1	this	this	PRON
hi-38	28	2	prompts	prompt	VERB
hi-38	28	3	the	the	DET
hi-38	28	4	objective	objective	NOUN
hi-38	28	5	of	of	ADP
hi-38	28	6	the	the	DET
hi-38	28	7	renewed	renew	VERB
hi-38	28	8	basel	basel	PROPN
hi-38	28	9	iii	iii	PROPN
hi-38	28	10	in	in	ADP
hi-38	28	11	using	use	VERB
hi-38	28	12	the	the	DET
hi-38	28	13	netstable	netstable	ADJ
hi-38	28	14	-	-	PUNCT
hi-38	28	15	funding	funding	NOUN
hi-38	28	16	-	-	PUNCT
hi-38	28	17	ratio	ratio	NOUN
hi-38	28	18	(	(	PUNCT
hi-38	28	19	a	a	DET
hi-38	28	20	limitation	limitation	NOUN
hi-38	28	21	on	on	ADP
hi-38	28	22	maturity	maturity	NOUN
hi-38	28	23	disparity	disparity	NOUN
hi-38	28	24	restricting	restrict	VERB
hi-38	28	25	refinancing	refinance	VERB
hi-38	28	26	volume	volume	NOUN
hi-38	28	27	falling	fall	VERB
hi-38	28	28	due	due	ADJ
hi-38	28	29	each	each	DET
hi-38	28	30	date	date	NOUN
hi-38	28	31	)	)	PUNCT
hi-38	28	32	and	and	CCONJ
hi-38	28	33	liquidity	liquidity	NOUN
hi-38	28	34	coverage	coverage	NOUN
hi-38	28	35	ratio	ratio	NOUN
hi-38	28	36	(	(	PUNCT
hi-38	28	37	requirement	requirement	NOUN
hi-38	28	38	of	of	ADP
hi-38	28	39	liquidity	liquidity	NOUN
hi-38	28	40	)	)	PUNCT
hi-38	28	41	to	to	PART
hi-38	28	42	solve	solve	VERB
hi-38	28	43	the	the	DET
hi-38	28	44	issue	issue	NOUN
hi-38	28	45	of	of	ADP
hi-38	28	46	lr	lr	NOUN
hi-38	28	47	in	in	ADP
hi-38	28	48	banks	bank	NOUN
hi-38	28	49	(	(	PUNCT
hi-38	28	50	basel	basel	PROPN
hi-38	28	51	committee	committee	PROPN
hi-38	28	52	,	,	PUNCT
hi-38	28	53	2010	2010	NUM
hi-38	28	54	)	)	PUNCT
hi-38	28	55	.	.	PUNCT
hi-38	29	1	chen	chen	PROPN
hi-38	29	2	et	et	PROPN
hi-38	29	3	al	al	PROPN
hi-38	29	4	.	.	PROPN
hi-38	30	1	(	(	PUNCT
hi-38	30	2	2018	2018	NUM
hi-38	30	3	)	)	PUNCT
hi-38	30	4	further	far	ADV
hi-38	30	5	stressed	stress	VERB
hi-38	30	6	that	that	SCONJ
hi-38	30	7	this	this	DET
hi-38	30	8	unforeseen	unforeseen	ADJ
hi-38	30	9	lr	lr	NOUN
hi-38	30	10	exposure	exposure	NOUN
hi-38	30	11	can	can	AUX
hi-38	30	12	only	only	ADV
hi-38	30	13	be	be	AUX
hi-38	30	14	reduced	reduce	VERB
hi-38	30	15	through	through	ADP
hi-38	30	16	deposits	deposit	NOUN
hi-38	30	17	transactions	transaction	NOUN
hi-38	30	18	.	.	PUNCT
hi-38	31	1	banks	bank	NOUN
hi-38	31	2	that	that	PRON
hi-38	31	3	have	have	VERB
hi-38	31	4	high	high	ADJ
hi-38	31	5	degree	degree	NOUN
hi-38	31	6	of	of	ADP
hi-38	31	7	deposits	deposit	NOUN
hi-38	31	8	transaction	transaction	NOUN
hi-38	31	9	may	may	AUX
hi-38	31	10	not	not	PART
hi-38	31	11	experience	experience	VERB
hi-38	31	12	high	high	ADJ
hi-38	31	13	risk	risk	NOUN
hi-38	31	14	despite	despite	SCONJ
hi-38	31	15	their	their	PRON
hi-38	31	16	exposure	exposure	NOUN
hi-38	31	17	on	on	ADP
hi-38	31	18	the	the	DET
hi-38	31	19	asset	asset	NOUN
hi-38	31	20	side	side	NOUN
hi-38	31	21	to	to	PART
hi-38	31	22	undrawn	undrawn	VERB
hi-38	31	23	their	their	PRON
hi-38	31	24	loan	loan	NOUN
hi-38	31	25	payments	payment	NOUN
hi-38	31	26	,	,	PUNCT
hi-38	31	27	while	while	SCONJ
hi-38	31	28	banks	bank	NOUN
hi-38	31	29	that	that	PRON
hi-38	31	30	have	have	VERB
hi-38	31	31	loan	loan	NOUN
hi-38	31	32	-	-	PUNCT
hi-38	31	33	lr	lr	NOUN
hi-38	31	34	exposure	exposure	NOUN
hi-38	31	35	will	will	AUX
hi-38	31	36	experience	experience	VERB
hi-38	31	37	high	high	ADJ
hi-38	31	38	risk	risk	NOUN
hi-38	31	39	without	without	ADP
hi-38	31	40	high	high	ADJ
hi-38	31	41	degree	degree	NOUN
hi-38	31	42	of	of	ADP
hi-38	31	43	deposits	deposit	NOUN
hi-38	31	44	transaction	transaction	NOUN
hi-38	31	45	.	.	PUNCT
hi-38	32	1	during	during	ADP
hi-38	32	2	tight	tight	ADJ
hi-38	32	3	markets	market	NOUN
hi-38	32	4	periods	period	NOUN
hi-38	32	5	,	,	PUNCT
hi-38	32	6	when	when	SCONJ
hi-38	32	7	funds	fund	NOUN
hi-38	32	8	move	move	VERB
hi-38	32	9	into	into	ADP
hi-38	32	10	banks	bank	NOUN
hi-38	32	11	from	from	ADP
hi-38	32	12	the	the	DET
hi-38	32	13	securities	security	NOUN
hi-38	32	14	markets	market	VERB
hi-38	32	15	the	the	DET
hi-38	32	16	deposit	deposit	NOUN
hi-38	32	17	-	-	PUNCT
hi-38	32	18	lending	lending	NOUN
hi-38	32	19	hedge	hedge	NOUN
hi-38	32	20	becomes	become	VERB
hi-38	32	21	specifically	specifically	ADV
hi-38	32	22	powerful	powerful	ADJ
hi-38	32	23	,	,	PUNCT
hi-38	32	24	as	as	SCONJ
hi-38	32	25	it	it	PRON
hi-38	32	26	helps	help	VERB
hi-38	32	27	the	the	DET
hi-38	32	28	firm	firm	NOUN
hi-38	32	29	in	in	ADP
hi-38	32	30	funding	fund	VERB
hi-38	32	31	a	a	DET
hi-38	32	32	liquidity	liquidity	NOUN
hi-38	32	33	crisis	crisis	NOUN
hi-38	32	34	.	.	PUNCT
hi-38	33	1	hamdard	hamdard	ADJ
hi-38	33	2	islamicus	islamicus	PROPN
hi-38	33	3	vol	vol	NOUN
hi-38	33	4	.	.	PUNCT
hi-38	34	1	xliii	xliii	PROPN
hi-38	34	2	,	,	PUNCT
hi-38	34	3	no	no	INTJ
hi-38	34	4	.	.	NOUN
hi-38	34	5	1	1	NUM
hi-38	34	6	85	85	NUM
hi-38	34	7	the	the	DET
hi-38	34	8	flr	flr	NOUN
hi-38	34	9	is	be	AUX
hi-38	34	10	the	the	DET
hi-38	34	11	ability	ability	NOUN
hi-38	34	12	to	to	PART
hi-38	34	13	“	"	PUNCT
hi-38	34	14	settle	settle	VERB
hi-38	34	15	obligations	obligation	NOUN
hi-38	34	16	with	with	ADP
hi-38	34	17	immediacy	immediacy	NOUN
hi-38	34	18	”	"	PUNCT
hi-38	34	19	and	and	CCONJ
hi-38	34	20	it	it	PRON
hi-38	34	21	is	be	AUX
hi-38	34	22	also	also	ADV
hi-38	34	23	known	know	VERB
hi-38	34	24	as	as	ADP
hi-38	34	25	bank	bank	NOUN
hi-38	34	26	specific	specific	ADJ
hi-38	34	27	liquidity	liquidity	NOUN
hi-38	34	28	(	(	PUNCT
hi-38	34	29	fall	fall	NOUN
hi-38	34	30	,	,	PUNCT
hi-38	34	31	&	&	CCONJ
hi-38	34	32	viviani	viviani	PROPN
hi-38	34	33	,	,	PUNCT
hi-38	34	34	2016	2016	NUM
hi-38	34	35	)	)	PUNCT
hi-38	34	36	.	.	PUNCT
hi-38	35	1	consequently	consequently	ADV
hi-38	35	2	,	,	PUNCT
hi-38	35	3	a	a	DET
hi-38	35	4	bank	bank	NOUN
hi-38	35	5	is	be	AUX
hi-38	35	6	illiquid	illiquid	ADJ
hi-38	35	7	if	if	SCONJ
hi-38	35	8	it	it	PRON
hi-38	35	9	is	be	AUX
hi-38	35	10	unable	unable	ADJ
hi-38	35	11	to	to	PART
hi-38	35	12	settle	settle	VERB
hi-38	35	13	obligations	obligation	NOUN
hi-38	35	14	in	in	ADP
hi-38	35	15	time	time	NOUN
hi-38	35	16	.	.	PUNCT
hi-38	36	1	according	accord	VERB
hi-38	36	2	to	to	ADP
hi-38	36	3	khan	khan	PROPN
hi-38	36	4	et	et	PROPN
hi-38	36	5	al	al	PROPN
hi-38	36	6	.	.	PROPN
hi-38	37	1	(	(	PUNCT
hi-38	37	2	2016	2016	NUM
hi-38	37	3	)	)	PUNCT
hi-38	37	4	dahir	dahir	NOUN
hi-38	37	5	et	et	PROPN
hi-38	37	6	al	al	PROPN
hi-38	37	7	.	.	PROPN
hi-38	38	1	(	(	PUNCT
hi-38	38	2	2018	2018	NUM
hi-38	38	3	)	)	PUNCT
hi-38	38	4	,	,	PUNCT
hi-38	38	5	the	the	DET
hi-38	38	6	deposit	deposit	NOUN
hi-38	38	7	ratio	ratio	NOUN
hi-38	38	8	is	be	AUX
hi-38	38	9	considered	consider	VERB
hi-38	38	10	as	as	ADP
hi-38	38	11	a	a	DET
hi-38	38	12	proxy	proxy	NOUN
hi-38	38	13	of	of	ADP
hi-38	38	14	firm	firm	NOUN
hi-38	38	15	’s	’s	PART
hi-38	38	16	ability	ability	NOUN
hi-38	38	17	of	of	ADP
hi-38	38	18	funding	fund	VERB
hi-38	38	19	its	its	PRON
hi-38	38	20	liquidity	liquidity	NOUN
hi-38	38	21	crisis	crisis	NOUN
hi-38	38	22	.	.	PUNCT
hi-38	39	1	the	the	DET
hi-38	39	2	inability	inability	NOUN
hi-38	39	3	to	to	PART
hi-38	39	4	fund	fund	VERB
hi-38	39	5	liquidity	liquidity	NOUN
hi-38	39	6	crisis	crisis	NOUN
hi-38	39	7	or	or	CCONJ
hi-38	39	8	simply	simply	ADV
hi-38	39	9	saying	say	VERB
hi-38	39	10	the	the	DET
hi-38	39	11	funding	funding	NOUN
hi-38	39	12	lr	lr	X
hi-38	39	13	has	have	AUX
hi-38	39	14	emerged	emerge	VERB
hi-38	39	15	as	as	ADP
hi-38	39	16	one	one	NUM
hi-38	39	17	of	of	ADP
hi-38	39	18	the	the	DET
hi-38	39	19	significant	significant	ADJ
hi-38	39	20	risk	risk	NOUN
hi-38	39	21	in	in	ADP
hi-38	39	22	pakistan	pakistan	PROPN
hi-38	39	23	countries	country	NOUN
hi-38	39	24	(	(	PUNCT
hi-38	39	25	rajan	rajan	PROPN
hi-38	39	26	,	,	PUNCT
hi-38	39	27	&	&	CCONJ
hi-38	39	28	narayana	narayana	PROPN
hi-38	39	29	,	,	PUNCT
hi-38	39	30	2017	2017	NUM
hi-38	39	31	)	)	PUNCT
hi-38	39	32	.	.	PUNCT
hi-38	40	1	the	the	DET
hi-38	40	2	liquidity	liquidity	NOUN
hi-38	40	3	creation	creation	NOUN
hi-38	40	4	is	be	AUX
hi-38	40	5	at	at	ADP
hi-38	40	6	heart	heart	NOUN
hi-38	40	7	of	of	ADP
hi-38	40	8	all	all	DET
hi-38	40	9	the	the	DET
hi-38	40	10	banking	banking	NOUN
hi-38	40	11	risk	risk	NOUN
hi-38	40	12	theories	theory	NOUN
hi-38	40	13	.	.	PUNCT
hi-38	41	1	during	during	ADP
hi-38	41	2	the	the	DET
hi-38	41	3	course	course	NOUN
hi-38	41	4	of	of	ADP
hi-38	41	5	recent	recent	ADJ
hi-38	41	6	decades	decade	NOUN
hi-38	41	7	,	,	PUNCT
hi-38	41	8	the	the	DET
hi-38	41	9	bank	bank	NOUN
hi-38	41	10	liquidity	liquidity	NOUN
hi-38	41	11	is	be	AUX
hi-38	41	12	in	in	ADP
hi-38	41	13	limelight	limelight	NOUN
hi-38	41	14	of	of	ADP
hi-38	41	15	banking	banking	NOUN
hi-38	41	16	literature	literature	NOUN
hi-38	41	17	(	(	PUNCT
hi-38	41	18	dahir	dahir	PROPN
hi-38	41	19	et	et	PROPN
hi-38	41	20	al	al	PROPN
hi-38	41	21	.	.	PROPN
hi-38	41	22	,	,	PUNCT
hi-38	41	23	2018	2018	NUM
hi-38	41	24	;	;	PUNCT
hi-38	41	25	drehmann	drehmann	PROPN
hi-38	41	26	&	&	CCONJ
hi-38	41	27	nikolaou	nikolaou	PROPN
hi-38	41	28	,	,	PUNCT
hi-38	41	29	2013	2013	NUM
hi-38	41	30	)	)	PUNCT
hi-38	41	31	.	.	PUNCT
hi-38	42	1	the	the	DET
hi-38	42	2	liquidity	liquidity	NOUN
hi-38	42	3	management	management	NOUN
hi-38	42	4	and	and	CCONJ
hi-38	42	5	associated	associate	VERB
hi-38	42	6	risk	risk	NOUN
hi-38	42	7	have	have	AUX
hi-38	42	8	emerged	emerge	VERB
hi-38	42	9	as	as	ADP
hi-38	42	10	a	a	DET
hi-38	42	11	focal	focal	ADJ
hi-38	42	12	point	point	NOUN
hi-38	42	13	of	of	ADP
hi-38	42	14	regulatory	regulatory	ADJ
hi-38	42	15	reforms	reform	NOUN
hi-38	42	16	around	around	ADP
hi-38	42	17	the	the	DET
hi-38	42	18	world	world	NOUN
hi-38	42	19	(	(	PUNCT
hi-38	42	20	dahir	dahir	PROPN
hi-38	42	21	et	et	PROPN
hi-38	42	22	al	al	PROPN
hi-38	42	23	.	.	PROPN
hi-38	42	24	,	,	PUNCT
hi-38	42	25	2019	2019	NUM
hi-38	42	26	)	)	PUNCT
hi-38	42	27	.	.	PUNCT
hi-38	43	1	khan	khan	PROPN
hi-38	43	2	et	et	PROPN
hi-38	43	3	al	al	PROPN
hi-38	43	4	.	.	PROPN
hi-38	44	1	(	(	PUNCT
hi-38	44	2	2017	2017	NUM
hi-38	44	3	)	)	PUNCT
hi-38	44	4	,	,	PUNCT
hi-38	44	5	claimed	claim	VERB
hi-38	44	6	the	the	DET
hi-38	44	7	inability	inability	NOUN
hi-38	44	8	of	of	ADP
hi-38	44	9	liquidity	liquidity	NOUN
hi-38	44	10	creation	creation	NOUN
hi-38	44	11	as	as	ADP
hi-38	44	12	one	one	NUM
hi-38	44	13	of	of	ADP
hi-38	44	14	the	the	DET
hi-38	44	15	components	component	NOUN
hi-38	44	16	of	of	ADP
hi-38	44	17	the	the	DET
hi-38	44	18	banks	bank	NOUN
hi-38	44	19	risk	risk	VERB
hi-38	44	20	and	and	CCONJ
hi-38	44	21	found	find	VERB
hi-38	44	22	that	that	SCONJ
hi-38	44	23	the	the	DET
hi-38	44	24	when	when	SCONJ
hi-38	44	25	the	the	DET
hi-38	44	26	firm	firm	NOUN
hi-38	44	27	’s	’s	PART
hi-38	44	28	ability	ability	NOUN
hi-38	44	29	to	to	PART
hi-38	44	30	fund	fund	VERB
hi-38	44	31	the	the	DET
hi-38	44	32	liquidity	liquidity	NOUN
hi-38	44	33	increases	increase	NOUN
hi-38	44	34	,	,	PUNCT
hi-38	44	35	the	the	DET
hi-38	44	36	liquidity	liquidity	NOUN
hi-38	44	37	creation	creation	NOUN
hi-38	44	38	increases	increase	NOUN
hi-38	44	39	and	and	CCONJ
hi-38	44	40	the	the	DET
hi-38	44	41	increase	increase	NOUN
hi-38	44	42	the	the	DET
hi-38	44	43	bank	bank	NOUN
hi-38	44	44	risk	risk	NOUN
hi-38	44	45	.	.	PUNCT
hi-38	45	1	nguyen	nguyen	NOUN
hi-38	45	2	(	(	PUNCT
hi-38	45	3	2017	2017	NUM
hi-38	45	4	)	)	PUNCT
hi-38	45	5	,	,	PUNCT
hi-38	45	6	argued	argue	VERB
hi-38	45	7	that	that	SCONJ
hi-38	45	8	the	the	DET
hi-38	45	9	commercial	commercial	ADJ
hi-38	45	10	banks	bank	NOUN
hi-38	45	11	in	in	ADP
hi-38	45	12	the	the	DET
hi-38	45	13	developing	develop	VERB
hi-38	45	14	economies	economy	NOUN
hi-38	45	15	rely	rely	VERB
hi-38	45	16	less	less	ADV
hi-38	45	17	on	on	ADP
hi-38	45	18	the	the	DET
hi-38	45	19	interbank	interbank	NOUN
hi-38	45	20	and	and	CCONJ
hi-38	45	21	hold	hold	VERB
hi-38	45	22	more	more	ADJ
hi-38	45	23	liquid	liquid	ADJ
hi-38	45	24	asset	asset	NOUN
hi-38	45	25	,	,	PUNCT
hi-38	45	26	which	which	PRON
hi-38	45	27	make	make	VERB
hi-38	45	28	them	they	PRON
hi-38	45	29	more	more	ADV
hi-38	45	30	vulnerable	vulnerable	ADJ
hi-38	45	31	to	to	ADP
hi-38	45	32	excessive	excessive	ADJ
hi-38	45	33	risk	risk	NOUN
hi-38	45	34	taking	take	VERB
hi-38	45	35	in	in	ADP
hi-38	45	36	line	line	NOUN
hi-38	45	37	with	with	ADP
hi-38	45	38	nguyen	nguyen	NOUN
hi-38	45	39	(	(	PUNCT
hi-38	45	40	2017	2017	NUM
hi-38	45	41	)	)	PUNCT
hi-38	45	42	.	.	PUNCT
hi-38	46	1	it	it	PRON
hi-38	46	2	is	be	AUX
hi-38	46	3	argued	argue	VERB
hi-38	46	4	that	that	SCONJ
hi-38	46	5	the	the	DET
hi-38	46	6	excessive	excessive	ADJ
hi-38	46	7	liquidity	liquidity	NOUN
hi-38	46	8	in	in	ADP
hi-38	46	9	the	the	DET
hi-38	46	10	form	form	NOUN
hi-38	46	11	of	of	ADP
hi-38	46	12	deposit	deposit	NOUN
hi-38	46	13	to	to	PART
hi-38	46	14	asset	asset	NOUN
hi-38	46	15	ratio	ratio	NOUN
hi-38	46	16	encourage	encourage	VERB
hi-38	46	17	banks	bank	NOUN
hi-38	46	18	to	to	PART
hi-38	46	19	take	take	VERB
hi-38	46	20	risk	risk	NOUN
hi-38	46	21	and	and	CCONJ
hi-38	46	22	ultimately	ultimately	ADV
hi-38	46	23	increase	increase	VERB
hi-38	46	24	the	the	DET
hi-38	46	25	bank	bank	NOUN
hi-38	46	26	risk	risk	NOUN
hi-38	46	27	.	.	PUNCT
hi-38	47	1	an	an	DET
hi-38	47	2	overview	overview	NOUN
hi-38	47	3	of	of	ADP
hi-38	47	4	banking	banking	NOUN
hi-38	47	5	sector	sector	NOUN
hi-38	47	6	of	of	ADP
hi-38	47	7	pakistan	pakistan	PROPN
hi-38	47	8	banking	banking	NOUN
hi-38	47	9	play	play	VERB
hi-38	47	10	a	a	DET
hi-38	47	11	crucial	crucial	ADJ
hi-38	47	12	financial	financial	ADJ
hi-38	47	13	intermediation	intermediation	NOUN
hi-38	47	14	role	role	NOUN
hi-38	47	15	in	in	ADP
hi-38	47	16	the	the	DET
hi-38	47	17	economic	economic	ADJ
hi-38	47	18	system	system	NOUN
hi-38	47	19	of	of	ADP
hi-38	47	20	any	any	DET
hi-38	47	21	country	country	NOUN
hi-38	47	22	.	.	PUNCT
hi-38	48	1	thus	thus	ADV
hi-38	48	2	,	,	PUNCT
hi-38	48	3	banks	bank	NOUN
hi-38	48	4	have	have	VERB
hi-38	48	5	responsibility	responsibility	NOUN
hi-38	48	6	of	of	ADP
hi-38	48	7	providing	provide	VERB
hi-38	48	8	fundamental	fundamental	ADJ
hi-38	48	9	services	service	NOUN
hi-38	48	10	that	that	PRON
hi-38	48	11	include	include	VERB
hi-38	48	12	,	,	PUNCT
hi-38	48	13	but	but	CCONJ
hi-38	48	14	not	not	PART
hi-38	48	15	limited	limit	VERB
hi-38	48	16	to	to	ADP
hi-38	48	17	,	,	PUNCT
hi-38	48	18	acceptance	acceptance	NOUN
hi-38	48	19	and	and	CCONJ
hi-38	48	20	collection	collection	NOUN
hi-38	48	21	,	,	PUNCT
hi-38	48	22	as	as	ADV
hi-38	48	23	well	well	ADV
hi-38	48	24	as	as	ADP
hi-38	48	25	safe	safe	ADJ
hi-38	48	26	keeping	keeping	NOUN
hi-38	48	27	of	of	ADP
hi-38	48	28	customers	customer	NOUN
hi-38	48	29	’	’	PART
hi-38	48	30	funds	fund	NOUN
hi-38	48	31	,	,	PUNCT
hi-38	48	32	which	which	PRON
hi-38	48	33	the	the	DET
hi-38	48	34	banks	bank	NOUN
hi-38	48	35	usually	usually	ADV
hi-38	48	36	transferred	transfer	VERB
hi-38	48	37	or	or	CCONJ
hi-38	48	38	exchanged	exchange	VERB
hi-38	48	39	for	for	ADP
hi-38	48	40	financial	financial	ADJ
hi-38	48	41	or	or	CCONJ
hi-38	48	42	economic	economic	ADJ
hi-38	48	43	benefits	benefit	NOUN
hi-38	48	44	of	of	ADP
hi-38	48	45	the	the	DET
hi-38	48	46	customers	customer	NOUN
hi-38	48	47	on	on	ADP
hi-38	48	48	their	their	PRON
hi-38	48	49	instruction	instruction	NOUN
hi-38	48	50	(	(	PUNCT
hi-38	48	51	gomber	gomber	PROPN
hi-38	48	52	et	et	PROPN
hi-38	48	53	al	al	PROPN
hi-38	48	54	.	.	PROPN
hi-38	48	55	,	,	PUNCT
hi-38	48	56	2018	2018	NUM
hi-38	48	57	)	)	PUNCT
hi-38	48	58	.	.	PUNCT
hi-38	49	1	the	the	DET
hi-38	49	2	bank	bank	NOUN
hi-38	49	3	’s	’s	PART
hi-38	49	4	services	service	NOUN
hi-38	49	5	facilitate	facilitate	VERB
hi-38	49	6	economic	economic	ADJ
hi-38	49	7	activities	activity	NOUN
hi-38	49	8	as	as	ADV
hi-38	49	9	well	well	ADV
hi-38	49	10	as	as	ADP
hi-38	49	11	promote	promote	VERB
hi-38	49	12	greater	great	ADJ
hi-38	49	13	efficiency	efficiency	NOUN
hi-38	49	14	being	be	AUX
hi-38	49	15	intermediaries	intermediary	NOUN
hi-38	49	16	in	in	ADP
hi-38	49	17	meeting	meet	VERB
hi-38	49	18	the	the	DET
hi-38	49	19	investment	investment	NOUN
hi-38	49	20	and	and	CCONJ
hi-38	49	21	liquidity	liquidity	NOUN
hi-38	49	22	needs	need	NOUN
hi-38	49	23	of	of	ADP
hi-38	49	24	the	the	DET
hi-38	49	25	economic	economic	ADJ
hi-38	49	26	agents	agent	NOUN
hi-38	49	27	in	in	ADP
hi-38	49	28	the	the	DET
hi-38	49	29	financial	financial	ADJ
hi-38	49	30	system	system	NOUN
hi-38	49	31	.	.	PUNCT
hi-38	50	1	the	the	DET
hi-38	50	2	diversified	diversify	VERB
hi-38	50	3	banking	banking	NOUN
hi-38	50	4	sector	sector	NOUN
hi-38	50	5	of	of	ADP
hi-38	50	6	pakistan	pakistan	PROPN
hi-38	50	7	,	,	PUNCT
hi-38	50	8	which	which	PRON
hi-38	50	9	comprises	comprise	VERB
hi-38	50	10	of	of	ADP
hi-38	50	11	both	both	CCONJ
hi-38	50	12	the	the	DET
hi-38	50	13	local	local	ADJ
hi-38	50	14	as	as	ADV
hi-38	50	15	well	well	ADV
hi-38	50	16	as	as	ADP
hi-38	50	17	the	the	DET
hi-38	50	18	foreign	foreign	ADJ
hi-38	50	19	banks	bank	NOUN
hi-38	50	20	has	have	AUX
hi-38	50	21	undergone	undergo	VERB
hi-38	50	22	through	through	ADP
hi-38	50	23	a	a	DET
hi-38	50	24	transitional	transitional	ADJ
hi-38	50	25	phase	phase	NOUN
hi-38	50	26	with	with	ADP
hi-38	50	27	continues	continue	VERB
hi-38	50	28	measure	measure	NOUN
hi-38	50	29	of	of	ADP
hi-38	50	30	deregulations	deregulation	NOUN
hi-38	50	31	and	and	CCONJ
hi-38	50	32	liberalizations	liberalization	NOUN
hi-38	50	33	.	.	PUNCT
hi-38	51	1	the	the	DET
hi-38	51	2	prime	prime	ADJ
hi-38	51	3	objective	objective	NOUN
hi-38	51	4	of	of	ADP
hi-38	51	5	these	these	DET
hi-38	51	6	measures	measure	NOUN
hi-38	51	7	was	be	AUX
hi-38	51	8	to	to	PART
hi-38	51	9	stimulate	stimulate	VERB
hi-38	51	10	the	the	DET
hi-38	51	11	greater	great	ADJ
hi-38	51	12	competition	competition	NOUN
hi-38	51	13	among	among	ADP
hi-38	51	14	the	the	DET
hi-38	51	15	market	market	NOUN
hi-38	51	16	players	player	NOUN
hi-38	51	17	.	.	PUNCT
hi-38	52	1	meanwhile	meanwhile	ADV
hi-38	52	2	,	,	PUNCT
hi-38	52	3	the	the	DET
hi-38	52	4	measures	measure	NOUN
hi-38	52	5	were	be	AUX
hi-38	52	6	also	also	ADV
hi-38	52	7	objected	object	VERB
hi-38	52	8	to	to	PART
hi-38	52	9	streamline	streamline	VERB
hi-38	52	10	the	the	DET
hi-38	52	11	regulatory	regulatory	ADJ
hi-38	52	12	policies	policy	NOUN
hi-38	52	13	of	of	ADP
hi-38	52	14	banking	banking	NOUN
hi-38	52	15	sector	sector	NOUN
hi-38	52	16	in	in	ADP
hi-38	52	17	particular	particular	ADJ
hi-38	52	18	.	.	PUNCT
hi-38	53	1	86	86	NUM
hi-38	54	1	the	the	DET
hi-38	54	2	funding	funding	NOUN
hi-38	54	3	liquidity	liquidity	NOUN
hi-38	54	4	risk	risk	NOUN
hi-38	54	5	...	...	PUNCT
hi-38	54	6	the	the	DET
hi-38	54	7	market	market	NOUN
hi-38	54	8	structure	structure	NOUN
hi-38	54	9	of	of	ADP
hi-38	54	10	pakistan	pakistan	PROPN
hi-38	54	11	countries	country	NOUN
hi-38	54	12	is	be	AUX
hi-38	54	13	highly	highly	ADV
hi-38	54	14	concentrated	concentrated	ADJ
hi-38	54	15	(	(	PUNCT
hi-38	54	16	basheer	basheer	NOUN
hi-38	54	17	et	et	PROPN
hi-38	54	18	al	al	PROPN
hi-38	54	19	.	.	PROPN
hi-38	54	20	,	,	PUNCT
hi-38	54	21	2019a	2019a	NUM
hi-38	54	22	)	)	PUNCT
hi-38	54	23	.	.	PUNCT
hi-38	55	1	the	the	DET
hi-38	55	2	financial	financial	ADJ
hi-38	55	3	sector	sector	NOUN
hi-38	55	4	of	of	ADP
hi-38	55	5	these	these	DET
hi-38	55	6	countries	country	NOUN
hi-38	55	7	is	be	AUX
hi-38	55	8	supervised	supervise	VERB
hi-38	55	9	and	and	CCONJ
hi-38	55	10	regulated	regulate	VERB
hi-38	55	11	by	by	ADP
hi-38	55	12	the	the	DET
hi-38	55	13	multiple	multiple	ADJ
hi-38	55	14	agencies	agency	NOUN
hi-38	55	15	;	;	PUNCT
hi-38	55	16	however	however	ADV
hi-38	55	17	,	,	PUNCT
hi-38	55	18	the	the	DET
hi-38	55	19	central	central	ADJ
hi-38	55	20	banks	bank	NOUN
hi-38	55	21	usually	usually	ADV
hi-38	55	22	play	play	VERB
hi-38	55	23	major	major	ADJ
hi-38	55	24	role	role	NOUN
hi-38	55	25	in	in	ADP
hi-38	55	26	any	any	DET
hi-38	55	27	banking	banking	NOUN
hi-38	55	28	reforms	reform	NOUN
hi-38	55	29	.	.	PUNCT
hi-38	56	1	over	over	ADP
hi-38	56	2	the	the	DET
hi-38	56	3	course	course	NOUN
hi-38	56	4	of	of	ADP
hi-38	56	5	last	last	ADJ
hi-38	56	6	twenty	twenty	NUM
hi-38	56	7	years	year	NOUN
hi-38	56	8	,	,	PUNCT
hi-38	56	9	all	all	DET
hi-38	56	10	the	the	DET
hi-38	56	11	four	four	NUM
hi-38	56	12	banking	banking	NOUN
hi-38	56	13	markets	market	NOUN
hi-38	56	14	are	be	AUX
hi-38	56	15	also	also	ADV
hi-38	56	16	undergone	undergo	VERB
hi-38	56	17	a	a	DET
hi-38	56	18	series	series	NOUN
hi-38	56	19	of	of	ADP
hi-38	56	20	regulatory	regulatory	ADJ
hi-38	56	21	reforms	reform	NOUN
hi-38	56	22	in	in	ADP
hi-38	56	23	terms	term	NOUN
hi-38	56	24	of	of	ADP
hi-38	56	25	both	both	CCONJ
hi-38	56	26	the	the	DET
hi-38	56	27	micro	micro	ADJ
hi-38	56	28	and	and	CCONJ
hi-38	56	29	macro	macro	ADJ
hi-38	56	30	prudential	prudential	PROPN
hi-38	56	31	.	.	PUNCT
hi-38	57	1	however	however	ADV
hi-38	57	2	,	,	PUNCT
hi-38	57	3	the	the	DET
hi-38	57	4	focus	focus	NOUN
hi-38	57	5	has	have	AUX
hi-38	57	6	been	be	AUX
hi-38	57	7	on	on	ADP
hi-38	57	8	the	the	DET
hi-38	57	9	microprudential	microprudential	NOUN
hi-38	57	10	(	(	PUNCT
hi-38	57	11	aikman	aikman	PROPN
hi-38	57	12	et	et	PROPN
hi-38	57	13	al	al	PROPN
hi-38	57	14	.	.	PROPN
hi-38	57	15	,	,	PUNCT
hi-38	57	16	2019	2019	NUM
hi-38	57	17	)	)	PUNCT
hi-38	57	18	.	.	PUNCT
hi-38	58	1	the	the	DET
hi-38	58	2	basic	basic	ADJ
hi-38	58	3	model	model	NOUN
hi-38	58	4	in	in	ADP
hi-38	58	5	islamic	islamic	ADJ
hi-38	58	6	banking	banking	NOUN
hi-38	58	7	is	be	AUX
hi-38	58	8	the	the	DET
hi-38	58	9	sharing	sharing	NOUN
hi-38	58	10	of	of	ADP
hi-38	58	11	loss	loss	NOUN
hi-38	58	12	and	and	CCONJ
hi-38	58	13	profit	profit	NOUN
hi-38	58	14	that	that	PRON
hi-38	58	15	is	be	AUX
hi-38	58	16	not	not	PART
hi-38	58	17	similar	similar	ADJ
hi-38	58	18	to	to	ADP
hi-38	58	19	the	the	DET
hi-38	58	20	traditional	traditional	ADJ
hi-38	58	21	banking	banking	NOUN
hi-38	58	22	system	system	NOUN
hi-38	58	23	(	(	PUNCT
hi-38	58	24	abd	abd	PROPN
hi-38	58	25	rahman	rahman	PROPN
hi-38	58	26	et	et	PROPN
hi-38	58	27	al	al	PROPN
hi-38	58	28	.	.	PROPN
hi-38	58	29	,	,	PUNCT
hi-38	58	30	2014	2014	NUM
hi-38	58	31	)	)	PUNCT
hi-38	58	32	.	.	PUNCT
hi-38	59	1	the	the	DET
hi-38	59	2	operations	operation	NOUN
hi-38	59	3	mode	mode	VERB
hi-38	59	4	for	for	ADP
hi-38	59	5	both	both	CCONJ
hi-38	59	6	islamic	islamic	ADJ
hi-38	59	7	and	and	CCONJ
hi-38	59	8	conventional	conventional	ADJ
hi-38	59	9	system	system	NOUN
hi-38	59	10	also	also	ADV
hi-38	59	11	differs	differ	VERB
hi-38	59	12	.	.	PUNCT
hi-38	60	1	the	the	DET
hi-38	60	2	principles	principle	NOUN
hi-38	60	3	,	,	PUNCT
hi-38	60	4	which	which	PRON
hi-38	60	5	are	be	AUX
hi-38	60	6	manmade	manmade	NOUN
hi-38	60	7	,	,	PUNCT
hi-38	60	8	are	be	AUX
hi-38	60	9	implemented	implement	VERB
hi-38	60	10	in	in	ADP
hi-38	60	11	conventional	conventional	ADJ
hi-38	60	12	banks	bank	NOUN
hi-38	60	13	.	.	PUNCT
hi-38	61	1	however	however	ADV
hi-38	61	2	,	,	PUNCT
hi-38	61	3	islamic	islamic	ADJ
hi-38	61	4	principles	principle	NOUN
hi-38	61	5	or	or	CCONJ
hi-38	61	6	sharê‘ah	sharê‘ah	NOUN
hi-38	61	7	laws	law	NOUN
hi-38	61	8	are	be	AUX
hi-38	61	9	implemented	implement	VERB
hi-38	61	10	in	in	ADP
hi-38	61	11	the	the	DET
hi-38	61	12	islamic	islamic	ADJ
hi-38	61	13	banking	banking	NOUN
hi-38	61	14	system	system	NOUN
hi-38	61	15	.	.	PUNCT
hi-38	62	1	the	the	DET
hi-38	62	2	aim	aim	NOUN
hi-38	62	3	of	of	ADP
hi-38	62	4	both	both	DET
hi-38	62	5	systems	system	NOUN
hi-38	62	6	is	be	AUX
hi-38	62	7	same	same	ADJ
hi-38	62	8	,	,	PUNCT
hi-38	62	9	which	which	PRON
hi-38	62	10	is	be	AUX
hi-38	62	11	the	the	DET
hi-38	62	12	maximization	maximization	NOUN
hi-38	62	13	of	of	ADP
hi-38	62	14	returns	return	NOUN
hi-38	62	15	or	or	CCONJ
hi-38	62	16	profits	profit	NOUN
hi-38	62	17	.	.	PUNCT
hi-38	63	1	the	the	DET
hi-38	63	2	sharê‘ah	sharê‘ah	NOUN
hi-38	63	3	restriction	restriction	NOUN
hi-38	63	4	is	be	AUX
hi-38	63	5	followed	follow	VERB
hi-38	63	6	by	by	ADP
hi-38	63	7	islamic	islamic	ADJ
hi-38	63	8	banks	bank	NOUN
hi-38	63	9	.	.	PUNCT
hi-38	64	1	interest	interest	NOUN
hi-38	64	2	is	be	AUX
hi-38	64	3	charged	charge	VERB
hi-38	64	4	based	base	VERB
hi-38	64	5	on	on	ADP
hi-38	64	6	the	the	DET
hi-38	64	7	compounding	compounding	NOUN
hi-38	64	8	rate	rate	NOUN
hi-38	64	9	of	of	ADP
hi-38	64	10	interest	interest	NOUN
hi-38	64	11	by	by	ADP
hi-38	64	12	the	the	DET
hi-38	64	13	conventional	conventional	ADJ
hi-38	64	14	banks	bank	NOUN
hi-38	64	15	for	for	ADP
hi-38	64	16	lending	lend	VERB
hi-38	64	17	money	money	NOUN
hi-38	64	18	.	.	PUNCT
hi-38	65	1	the	the	DET
hi-38	65	2	partnership	partnership	NOUN
hi-38	65	3	principles	principle	NOUN
hi-38	65	4	are	be	AUX
hi-38	65	5	used	use	VERB
hi-38	65	6	by	by	ADP
hi-38	65	7	islamic	islamic	ADJ
hi-38	65	8	banks	bank	NOUN
hi-38	65	9	.	.	PUNCT
hi-38	66	1	income	income	NOUN
hi-38	66	2	is	be	AUX
hi-38	66	3	fixed	fix	VERB
hi-38	66	4	for	for	ADP
hi-38	66	5	lending	lending	NOUN
hi-38	66	6	of	of	ADP
hi-38	66	7	money	money	NOUN
hi-38	66	8	by	by	ADP
hi-38	66	9	the	the	DET
hi-38	66	10	conventional	conventional	ADJ
hi-38	66	11	bank	bank	NOUN
hi-38	66	12	,	,	PUNCT
hi-38	66	13	but	but	CCONJ
hi-38	66	14	profit	profit	NOUN
hi-38	66	15	and	and	CCONJ
hi-38	66	16	loss	loss	NOUN
hi-38	66	17	sharing	sharing	NOUN
hi-38	66	18	concept	concept	NOUN
hi-38	66	19	is	be	AUX
hi-38	66	20	applied	apply	VERB
hi-38	66	21	by	by	ADP
hi-38	66	22	islamic	islamic	PROPN
hi-38	66	23	bank	bank	PROPN
hi-38	66	24	.	.	PUNCT
hi-38	67	1	interest	interest	NOUN
hi-38	67	2	is	be	AUX
hi-38	67	3	charged	charge	VERB
hi-38	67	4	by	by	ADP
hi-38	67	5	conventional	conventional	ADJ
hi-38	67	6	bank	bank	NOUN
hi-38	67	7	even	even	ADV
hi-38	67	8	loss	loss	NOUN
hi-38	67	9	is	be	AUX
hi-38	67	10	being	be	AUX
hi-38	67	11	experienced	experience	VERB
hi-38	67	12	by	by	ADP
hi-38	67	13	the	the	DET
hi-38	67	14	organization	organization	NOUN
hi-38	67	15	.	.	PUNCT
hi-38	68	1	alternatively	alternatively	ADV
hi-38	68	2	,	,	PUNCT
hi-38	68	3	the	the	DET
hi-38	68	4	loss	loss	NOUN
hi-38	68	5	is	be	AUX
hi-38	68	6	shared	share	VERB
hi-38	68	7	by	by	ADP
hi-38	68	8	an	an	DET
hi-38	68	9	islamic	islamic	PROPN
hi-38	68	10	bank	bank	NOUN
hi-38	68	11	based	base	VERB
hi-38	68	12	on	on	ADP
hi-38	68	13	the	the	DET
hi-38	68	14	finance	finance	NOUN
hi-38	68	15	method	method	NOUN
hi-38	68	16	used	use	VERB
hi-38	68	17	,	,	PUNCT
hi-38	68	18	i.e.	i.e.	X
hi-38	68	19	mushérakah	mushérakah	NOUN
hi-38	68	20	or	or	CCONJ
hi-38	68	21	muìérabah	muìérabah	NOUN
hi-38	68	22	.	.	PUNCT
hi-38	69	1	the	the	DET
hi-38	69	2	islamic	islamic	PROPN
hi-38	69	3	bank	bank	PROPN
hi-38	69	4	and	and	CCONJ
hi-38	69	5	conventional	conventional	ADJ
hi-38	69	6	banks	bank	NOUN
hi-38	69	7	also	also	ADV
hi-38	69	8	differ	differ	VERB
hi-38	69	9	in	in	ADP
hi-38	69	10	their	their	PRON
hi-38	69	11	concepts	concept	NOUN
hi-38	69	12	of	of	ADP
hi-38	69	13	money	money	NOUN
hi-38	69	14	.	.	PUNCT
hi-38	70	1	the	the	DET
hi-38	70	2	traditional	traditional	ADJ
hi-38	70	3	banking	banking	NOUN
hi-38	70	4	system	system	NOUN
hi-38	70	5	regards	regard	VERB
hi-38	70	6	money	money	NOUN
hi-38	70	7	as	as	ADP
hi-38	70	8	a	a	DET
hi-38	70	9	product	product	NOUN
hi-38	70	10	irrespective	irrespective	ADV
hi-38	70	11	of	of	ADP
hi-38	70	12	the	the	DET
hi-38	70	13	value	value	NOUN
hi-38	70	14	storage	storage	NOUN
hi-38	70	15	and	and	CCONJ
hi-38	70	16	medium	medium	NOUN
hi-38	70	17	of	of	ADP
hi-38	70	18	exchange	exchange	NOUN
hi-38	70	19	.	.	PUNCT
hi-38	71	1	a	a	DET
hi-38	71	2	high	high	ADJ
hi-38	71	3	price	price	NOUN
hi-38	71	4	is	be	AUX
hi-38	71	5	charged	charge	VERB
hi-38	71	6	for	for	ADP
hi-38	71	7	money	money	NOUN
hi-38	71	8	than	than	ADP
hi-38	71	9	its	its	PRON
hi-38	71	10	face	face	NOUN
hi-38	71	11	value	value	NOUN
hi-38	71	12	(	(	PUNCT
hi-38	71	13	basheer	basheer	NOUN
hi-38	71	14	et	et	PROPN
hi-38	71	15	al	al	PROPN
hi-38	71	16	.	.	PROPN
hi-38	71	17	,	,	PUNCT
hi-38	71	18	2018	2018	NUM
hi-38	71	19	)	)	PUNCT
hi-38	71	20	.	.	PUNCT
hi-38	72	1	money	money	NOUN
hi-38	72	2	can	can	AUX
hi-38	72	3	be	be	AUX
hi-38	72	4	rented	rent	VERB
hi-38	72	5	as	as	ADV
hi-38	72	6	well	well	ADV
hi-38	72	7	in	in	ADP
hi-38	72	8	the	the	DET
hi-38	72	9	traditional	traditional	ADJ
hi-38	72	10	banking	banking	NOUN
hi-38	72	11	system	system	NOUN
hi-38	72	12	.	.	PUNCT
hi-38	73	1	alternatively	alternatively	ADV
hi-38	73	2	,	,	PUNCT
hi-38	73	3	money	money	NOUN
hi-38	73	4	is	be	AUX
hi-38	73	5	not	not	PART
hi-38	73	6	regarded	regard	VERB
hi-38	73	7	as	as	ADP
hi-38	73	8	a	a	DET
hi-38	73	9	commodity	commodity	NOUN
hi-38	73	10	rather	rather	ADV
hi-38	73	11	is	be	AUX
hi-38	73	12	used	use	VERB
hi-38	73	13	as	as	ADP
hi-38	73	14	value	value	NOUN
hi-38	73	15	storage	storage	NOUN
hi-38	73	16	and	and	CCONJ
hi-38	73	17	medium	medium	NOUN
hi-38	73	18	of	of	ADP
hi-38	73	19	exchange	exchange	NOUN
hi-38	73	20	(	(	PUNCT
hi-38	73	21	javed	javed	PROPN
hi-38	73	22	&	&	CCONJ
hi-38	73	23	basheer	basheer	PROPN
hi-38	73	24	,	,	PUNCT
hi-38	73	25	2017	2017	NUM
hi-38	73	26	)	)	PUNCT
hi-38	73	27	.	.	PUNCT
hi-38	74	1	the	the	DET
hi-38	74	2	price	price	NOUN
hi-38	74	3	of	of	ADP
hi-38	74	4	money	money	NOUN
hi-38	74	5	is	be	AUX
hi-38	74	6	same	same	ADJ
hi-38	74	7	as	as	ADP
hi-38	74	8	its	its	PRON
hi-38	74	9	face	face	NOUN
hi-38	74	10	value	value	NOUN
hi-38	74	11	in	in	ADP
hi-38	74	12	islamic	islamic	ADJ
hi-38	74	13	banking	banking	NOUN
hi-38	74	14	.	.	PUNCT
hi-38	75	1	it	it	PRON
hi-38	75	2	is	be	AUX
hi-38	75	3	interesting	interesting	ADJ
hi-38	75	4	to	to	PART
hi-38	75	5	know	know	VERB
hi-38	75	6	that	that	SCONJ
hi-38	75	7	zakat	zakat	PROPN
hi-38	75	8	is	be	AUX
hi-38	75	9	paid	pay	VERB
hi-38	75	10	by	by	ADP
hi-38	75	11	islamic	islamic	ADJ
hi-38	75	12	banks	bank	NOUN
hi-38	75	13	,	,	PUNCT
hi-38	75	14	but	but	CCONJ
hi-38	75	15	conventional	conventional	ADJ
hi-38	75	16	banks	bank	NOUN
hi-38	75	17	do	do	AUX
hi-38	75	18	not	not	PART
hi-38	75	19	pay	pay	VERB
hi-38	75	20	.	.	PUNCT
hi-38	76	1	banking	banking	NOUN
hi-38	76	2	risk	risk	NOUN
hi-38	76	3	:	:	PUNCT
hi-38	76	4	an	an	DET
hi-38	76	5	islamic	islamic	ADJ
hi-38	76	6	perspective	perspective	NOUN
hi-38	76	7	there	there	PRON
hi-38	76	8	is	be	VERB
hi-38	76	9	a	a	DET
hi-38	76	10	difference	difference	NOUN
hi-38	76	11	in	in	ADP
hi-38	76	12	risk	risk	NOUN
hi-38	76	13	management	management	NOUN
hi-38	76	14	in	in	ADP
hi-38	76	15	conventional	conventional	ADJ
hi-38	76	16	and	and	CCONJ
hi-38	76	17	islamic	islamic	ADJ
hi-38	76	18	banking	banking	NOUN
hi-38	76	19	system	system	NOUN
hi-38	76	20	.	.	PUNCT
hi-38	77	1	risks	risk	NOUN
hi-38	77	2	are	be	AUX
hi-38	77	3	involved	involve	VERB
hi-38	77	4	in	in	ADP
hi-38	77	5	some	some	DET
hi-38	77	6	aspects	aspect	NOUN
hi-38	77	7	of	of	ADP
hi-38	77	8	islamic	islamic	ADJ
hi-38	77	9	contracts	contract	NOUN
hi-38	77	10	.	.	PUNCT
hi-38	78	1	the	the	DET
hi-38	78	2	contracts	contract	NOUN
hi-38	78	3	are	be	AUX
hi-38	78	4	based	base	VERB
hi-38	78	5	on	on	ADP
hi-38	78	6	shariah	shariah	PROPN
hi-38	78	7	principles	principle	NOUN
hi-38	78	8	.	.	PUNCT
hi-38	79	1	the	the	DET
hi-38	79	2	products	product	NOUN
hi-38	79	3	/	/	SYM
hi-38	79	4	services	service	NOUN
hi-38	79	5	offered	offer	VERB
hi-38	79	6	by	by	ADP
hi-38	79	7	islamic	islamic	ADJ
hi-38	79	8	banks	bank	NOUN
hi-38	79	9	comply	comply	VERB
hi-38	79	10	with	with	ADP
hi-38	79	11	shariah	shariah	PROPN
hi-38	79	12	laws	law	NOUN
hi-38	79	13	(	(	PUNCT
hi-38	79	14	ariffin	ariffin	NOUN
hi-38	79	15	et	et	PROPN
hi-38	79	16	al	al	PROPN
hi-38	79	17	.	.	PROPN
hi-38	79	18	,2009	,2009	PROPN
hi-38	79	19	;	;	PUNCT
hi-38	79	20	hamdard	hamdard	ADJ
hi-38	79	21	islamicus	islamicus	PROPN
hi-38	79	22	vol	vol	NOUN
hi-38	79	23	.	.	PUNCT
hi-38	80	1	xliii	xliii	PROPN
hi-38	80	2	,	,	PUNCT
hi-38	80	3	no	no	INTJ
hi-38	80	4	.	.	NOUN
hi-38	80	5	1	1	NUM
hi-38	80	6	87	87	NUM
hi-38	80	7	hassan	hassan	PROPN
hi-38	80	8	&	&	CCONJ
hi-38	80	9	hisham	hisham	PROPN
hi-38	80	10	,	,	PUNCT
hi-38	80	11	2020	2020	NUM
hi-38	80	12	)	)	PUNCT
hi-38	80	13	.	.	PUNCT
hi-38	81	1	the	the	DET
hi-38	81	2	risk	risk	NOUN
hi-38	81	3	is	be	AUX
hi-38	81	4	based	base	VERB
hi-38	81	5	on	on	ADP
hi-38	81	6	the	the	DET
hi-38	81	7	luck	luck	NOUN
hi-38	81	8	,	,	PUNCT
hi-38	81	9	which	which	PRON
hi-38	81	10	is	be	AUX
hi-38	81	11	referred	refer	VERB
hi-38	81	12	as	as	ADP
hi-38	81	13	wager	wager	NOUN
hi-38	81	14	or	or	CCONJ
hi-38	81	15	a	a	DET
hi-38	81	16	bet	bet	NOUN
hi-38	81	17	.	.	PUNCT
hi-38	82	1	however	however	ADV
hi-38	82	2	,	,	PUNCT
hi-38	82	3	human	human	NOUN
hi-38	82	4	can	can	AUX
hi-38	82	5	not	not	PART
hi-38	82	6	deal	deal	VERB
hi-38	82	7	with	with	ADP
hi-38	82	8	the	the	DET
hi-38	82	9	risk	risk	NOUN
hi-38	82	10	and	and	CCONJ
hi-38	82	11	it	it	PRON
hi-38	82	12	is	be	AUX
hi-38	82	13	clearly	clearly	ADV
hi-38	82	14	based	base	VERB
hi-38	82	15	on	on	ADP
hi-38	82	16	luck	luck	NOUN
hi-38	82	17	.	.	PUNCT
hi-38	83	1	risk	risk	NOUN
hi-38	83	2	can	can	AUX
hi-38	83	3	be	be	AUX
hi-38	83	4	defined	define	VERB
hi-38	83	5	as	as	ADP
hi-38	83	6	any	any	DET
hi-38	83	7	action	action	NOUN
hi-38	83	8	,	,	PUNCT
hi-38	83	9	which	which	PRON
hi-38	83	10	does	do	AUX
hi-38	83	11	not	not	PART
hi-38	83	12	ensure	ensure	VERB
hi-38	83	13	about	about	ADP
hi-38	83	14	the	the	DET
hi-38	83	15	outcome	outcome	NOUN
hi-38	83	16	.	.	PUNCT
hi-38	84	1	it	it	PRON
hi-38	84	2	was	be	AUX
hi-38	84	3	defined	define	VERB
hi-38	84	4	by	by	ADP
hi-38	84	5	elgari	elgari	PROPN
hi-38	84	6	(	(	PUNCT
hi-38	84	7	2003	2003	NUM
hi-38	84	8	)	)	PUNCT
hi-38	84	9	that	that	DET
hi-38	84	10	respect	respect	NOUN
hi-38	84	11	and	and	CCONJ
hi-38	84	12	honor	honor	NOUN
hi-38	84	13	is	be	AUX
hi-38	84	14	defined	define	VERB
hi-38	84	15	by	by	ADP
hi-38	84	16	khaïar	khaïar	NOUN
hi-38	84	17	.	.	PUNCT
hi-38	85	1	it	it	PRON
hi-38	85	2	is	be	AUX
hi-38	85	3	also	also	ADV
hi-38	85	4	referred	refer	VERB
hi-38	85	5	as	as	ADP
hi-38	85	6	over	over	ADP
hi-38	85	7	ruined	ruin	VERB
hi-38	85	8	supervision	supervision	NOUN
hi-38	85	9	and	and	CCONJ
hi-38	85	10	bitterness	bitterness	NOUN
hi-38	85	11	.	.	PUNCT
hi-38	86	1	the	the	DET
hi-38	86	2	actions	action	NOUN
hi-38	86	3	,	,	PUNCT
hi-38	86	4	which	which	PRON
hi-38	86	5	lead	lead	VERB
hi-38	86	6	to	to	ADP
hi-38	86	7	wager	wager	NOUN
hi-38	86	8	,	,	PUNCT
hi-38	86	9	are	be	AUX
hi-38	86	10	regarded	regard	VERB
hi-38	86	11	as	as	ADP
hi-38	86	12	khaïar	khaïar	NOUN
hi-38	86	13	.	.	PUNCT
hi-38	87	1	khaïar	khaïar	PROPN
hi-38	87	2	is	be	AUX
hi-38	87	3	similar	similar	ADJ
hi-38	87	4	to	to	ADP
hi-38	87	5	the	the	DET
hi-38	87	6	english	english	ADJ
hi-38	87	7	word	word	NOUN
hi-38	87	8	risk	risk	NOUN
hi-38	87	9	in	in	ADP
hi-38	87	10	modern	modern	ADJ
hi-38	87	11	arabic	arabic	ADJ
hi-38	87	12	language	language	NOUN
hi-38	87	13	.	.	PUNCT
hi-38	88	1	islamic	islamic	ADJ
hi-38	88	2	risk	risk	NOUN
hi-38	88	3	has	have	AUX
hi-38	88	4	been	be	AUX
hi-38	88	5	defined	define	VERB
hi-38	88	6	by	by	ADP
hi-38	88	7	al	al	PROPN
hi-38	88	8	-	-	PUNCT
hi-38	88	9	zuhayly	zuhayly	PROPN
hi-38	88	10	(	(	PUNCT
hi-38	88	11	1989	1989	NUM
hi-38	88	12	)	)	PUNCT
hi-38	88	13	as	as	ADP
hi-38	88	14	the	the	DET
hi-38	88	15	danger	danger	NOUN
hi-38	88	16	or	or	CCONJ
hi-38	88	17	hazard	hazard	NOUN
hi-38	88	18	,	,	PUNCT
hi-38	88	19	which	which	PRON
hi-38	88	20	is	be	AUX
hi-38	88	21	not	not	PART
hi-38	88	22	ensured	ensure	VERB
hi-38	88	23	in	in	ADP
hi-38	88	24	making	make	VERB
hi-38	88	25	an	an	DET
hi-38	88	26	agreement	agreement	NOUN
hi-38	88	27	.	.	PUNCT
hi-38	89	1	risk	risk	NOUN
hi-38	89	2	has	have	AUX
hi-38	89	3	been	be	AUX
hi-38	89	4	regarded	regard	VERB
hi-38	89	5	by	by	ADP
hi-38	89	6	al	al	PROPN
hi-38	89	7	-	-	PUNCT
hi-38	89	8	suwailem	suwailem	NOUN
hi-38	89	9	(	(	PUNCT
hi-38	89	10	2006	2006	NUM
hi-38	89	11	)	)	PUNCT
hi-38	89	12	as	as	ADP
hi-38	89	13	a	a	DET
hi-38	89	14	damage	damage	NOUN
hi-38	89	15	perspective	perspective	NOUN
hi-38	89	16	from	from	ADP
hi-38	89	17	the	the	DET
hi-38	89	18	perspective	perspective	NOUN
hi-38	89	19	of	of	ADP
hi-38	89	20	islam	islam	PROPN
hi-38	89	21	.	.	PUNCT
hi-38	90	1	this	this	DET
hi-38	90	2	risk	risk	NOUN
hi-38	90	3	is	be	AUX
hi-38	90	4	not	not	PART
hi-38	90	5	desirable	desirable	ADJ
hi-38	90	6	in	in	ADP
hi-38	90	7	the	the	DET
hi-38	90	8	transactions	transaction	NOUN
hi-38	90	9	of	of	ADP
hi-38	90	10	a	a	DET
hi-38	90	11	business	business	NOUN
hi-38	90	12	.	.	PUNCT
hi-38	91	1	the	the	DET
hi-38	91	2	concept	concept	NOUN
hi-38	91	3	of	of	ADP
hi-38	91	4	risk	risk	NOUN
hi-38	91	5	is	be	AUX
hi-38	91	6	covered	cover	VERB
hi-38	91	7	by	by	ADP
hi-38	91	8	gharar	gharar	NOUN
hi-38	91	9	that	that	PRON
hi-38	91	10	is	be	AUX
hi-38	91	11	related	relate	VERB
hi-38	91	12	to	to	ADP
hi-38	91	13	the	the	DET
hi-38	91	14	uncertainty	uncertainty	NOUN
hi-38	91	15	in	in	ADP
hi-38	91	16	islam	islam	PROPN
hi-38	91	17	.	.	PUNCT
hi-38	92	1	the	the	DET
hi-38	92	2	exposure	exposure	NOUN
hi-38	92	3	of	of	ADP
hi-38	92	4	risk	risk	NOUN
hi-38	92	5	determines	determine	VERB
hi-38	92	6	its	its	PRON
hi-38	92	7	intensity	intensity	NOUN
hi-38	92	8	or	or	CCONJ
hi-38	92	9	degree	degree	NOUN
hi-38	92	10	.	.	PUNCT
hi-38	93	1	risk	risk	NOUN
hi-38	93	2	is	be	AUX
hi-38	93	3	regarded	regard	VERB
hi-38	93	4	as	as	ADP
hi-38	93	5	chances	chance	NOUN
hi-38	93	6	of	of	ADP
hi-38	93	7	unexpected	unexpected	ADJ
hi-38	93	8	and	and	CCONJ
hi-38	93	9	undesirable	undesirable	ADJ
hi-38	93	10	outcomes	outcome	NOUN
hi-38	93	11	that	that	PRON
hi-38	93	12	might	might	AUX
hi-38	93	13	be	be	AUX
hi-38	93	14	possible	possible	ADJ
hi-38	93	15	or	or	CCONJ
hi-38	93	16	impossible	impossible	ADJ
hi-38	93	17	,	,	PUNCT
hi-38	93	18	advantageous	advantageous	ADJ
hi-38	93	19	or	or	CCONJ
hi-38	93	20	nonadvantageous	nonadvantageous	ADJ
hi-38	93	21	.	.	PUNCT
hi-38	94	1	risk	risk	NOUN
hi-38	94	2	can	can	AUX
hi-38	94	3	be	be	AUX
hi-38	94	4	determined	determine	VERB
hi-38	94	5	but	but	CCONJ
hi-38	94	6	it	it	PRON
hi-38	94	7	does	do	AUX
hi-38	94	8	not	not	PART
hi-38	94	9	have	have	VERB
hi-38	94	10	much	much	ADJ
hi-38	94	11	importance	importance	NOUN
hi-38	94	12	.	.	PUNCT
hi-38	95	1	however	however	ADV
hi-38	95	2	,	,	PUNCT
hi-38	95	3	it	it	PRON
hi-38	95	4	is	be	AUX
hi-38	95	5	not	not	PART
hi-38	95	6	possible	possible	ADJ
hi-38	95	7	to	to	PART
hi-38	95	8	measure	measure	VERB
hi-38	95	9	uncertainty	uncertainty	NOUN
hi-38	95	10	.	.	PUNCT
hi-38	96	1	there	there	PRON
hi-38	96	2	is	be	VERB
hi-38	96	3	a	a	DET
hi-38	96	4	significant	significant	ADJ
hi-38	96	5	difference	difference	NOUN
hi-38	96	6	in	in	ADP
hi-38	96	7	the	the	DET
hi-38	96	8	concept	concept	NOUN
hi-38	96	9	of	of	ADP
hi-38	96	10	gharar	gharar	NOUN
hi-38	96	11	and	and	CCONJ
hi-38	96	12	risk	risk	NOUN
hi-38	96	13	(	(	PUNCT
hi-38	96	14	hassan	hassan	PROPN
hi-38	96	15	et	et	PROPN
hi-38	96	16	al	al	PROPN
hi-38	96	17	.	.	PROPN
hi-38	96	18	2019	2019	NUM
hi-38	96	19	;	;	PUNCT
hi-38	96	20	elgari	elgari	PROPN
hi-38	96	21	,	,	PUNCT
hi-38	96	22	2003	2003	NUM
hi-38	96	23	)	)	PUNCT
hi-38	96	24	.	.	PUNCT
hi-38	97	1	there	there	PRON
hi-38	97	2	is	be	VERB
hi-38	97	3	uncertainty	uncertainty	NOUN
hi-38	97	4	involved	involve	VERB
hi-38	97	5	in	in	ADP
hi-38	97	6	the	the	DET
hi-38	97	7	transactions	transaction	NOUN
hi-38	97	8	,	,	PUNCT
hi-38	97	9	which	which	PRON
hi-38	97	10	are	be	AUX
hi-38	97	11	based	base	VERB
hi-38	97	12	on	on	ADP
hi-38	97	13	contracts	contract	NOUN
hi-38	97	14	,	,	PUNCT
hi-38	97	15	in	in	ADP
hi-38	97	16	gharar	gharar	NOUN
hi-38	97	17	.	.	PUNCT
hi-38	98	1	as	as	ADP
hi-38	98	2	per	per	ADP
hi-38	98	3	sharê‘ah	sharê‘ah	NOUN
hi-38	98	4	,	,	PUNCT
hi-38	98	5	the	the	DET
hi-38	98	6	contract	contract	NOUN
hi-38	98	7	based	base	VERB
hi-38	98	8	on	on	ADP
hi-38	98	9	gharar	gharar	NOUN
hi-38	98	10	is	be	AUX
hi-38	98	11	considered	consider	VERB
hi-38	98	12	invalid	invalid	ADJ
hi-38	98	13	.	.	PUNCT
hi-38	99	1	rules	rule	NOUN
hi-38	99	2	are	be	AUX
hi-38	99	3	same	same	ADJ
hi-38	99	4	for	for	ADP
hi-38	99	5	risk	risk	NOUN
hi-38	99	6	other	other	ADJ
hi-38	99	7	than	than	ADP
hi-38	99	8	higher	high	ADJ
hi-38	99	9	risk	risk	NOUN
hi-38	99	10	.	.	PUNCT
hi-38	100	1	it	it	PRON
hi-38	100	2	is	be	AUX
hi-38	100	3	a	a	DET
hi-38	100	4	natural	natural	ADJ
hi-38	100	5	thing	thing	NOUN
hi-38	100	6	that	that	PRON
hi-38	100	7	risk	risk	NOUN
hi-38	100	8	may	may	AUX
hi-38	100	9	occur	occur	VERB
hi-38	100	10	,	,	PUNCT
hi-38	100	11	and	and	CCONJ
hi-38	100	12	it	it	PRON
hi-38	100	13	can	can	AUX
hi-38	100	14	not	not	PART
hi-38	100	15	be	be	AUX
hi-38	100	16	avoided	avoid	VERB
hi-38	100	17	in	in	ADP
hi-38	100	18	every	every	DET
hi-38	100	19	situation	situation	NOUN
hi-38	100	20	.	.	PUNCT
hi-38	101	1	however	however	ADV
hi-38	101	2	,	,	PUNCT
hi-38	101	3	a	a	DET
hi-38	101	4	special	special	ADJ
hi-38	101	5	risk	risk	NOUN
hi-38	101	6	is	be	AUX
hi-38	101	7	taken	take	VERB
hi-38	101	8	by	by	ADP
hi-38	101	9	two	two	NUM
hi-38	101	10	parties	party	NOUN
hi-38	101	11	in	in	ADP
hi-38	101	12	gharar	gharar	NOUN
hi-38	101	13	by	by	ADP
hi-38	101	14	making	make	VERB
hi-38	101	15	a	a	DET
hi-38	101	16	specific	specific	ADJ
hi-38	101	17	agreement	agreement	NOUN
hi-38	101	18	in	in	ADP
hi-38	101	19	the	the	DET
hi-38	101	20	contract	contract	NOUN
hi-38	101	21	.	.	PUNCT
hi-38	102	1	it	it	PRON
hi-38	102	2	is	be	AUX
hi-38	102	3	risky	risky	ADJ
hi-38	102	4	to	to	PART
hi-38	102	5	lend	lend	VERB
hi-38	102	6	money	money	NOUN
hi-38	102	7	to	to	ADP
hi-38	102	8	a	a	DET
hi-38	102	9	rich	rich	ADJ
hi-38	102	10	individual	individual	NOUN
hi-38	102	11	based	base	VERB
hi-38	102	12	on	on	ADP
hi-38	102	13	murébaíah	murébaíah	PROPN
hi-38	102	14	with	with	ADP
hi-38	102	15	no	no	DET
hi-38	102	16	credit	credit	NOUN
hi-38	102	17	.	.	PUNCT
hi-38	103	1	it	it	PRON
hi-38	103	2	is	be	AUX
hi-38	103	3	not	not	PART
hi-38	103	4	involved	involve	VERB
hi-38	103	5	in	in	ADP
hi-38	103	6	gharar	gharar	NOUN
hi-38	103	7	.	.	PUNCT
hi-38	104	1	alternatively	alternatively	ADV
hi-38	104	2	,	,	PUNCT
hi-38	104	3	a	a	DET
hi-38	104	4	product	product	NOUN
hi-38	104	5	being	be	AUX
hi-38	104	6	sold	sell	VERB
hi-38	104	7	on	on	ADP
hi-38	104	8	two	two	NUM
hi-38	104	9	prices	price	NOUN
hi-38	104	10	is	be	AUX
hi-38	104	11	gharar	gharar	NOUN
hi-38	104	12	.	.	PUNCT
hi-38	105	1	one	one	NUM
hi-38	105	2	way	way	NOUN
hi-38	105	3	is	be	AUX
hi-38	105	4	the	the	DET
hi-38	105	5	option	option	NOUN
hi-38	105	6	for	for	ADP
hi-38	105	7	paying	pay	VERB
hi-38	105	8	cash	cash	NOUN
hi-38	105	9	,	,	PUNCT
hi-38	105	10	and	and	CCONJ
hi-38	105	11	the	the	DET
hi-38	105	12	other	other	ADJ
hi-38	105	13	is	be	AUX
hi-38	105	14	as	as	ADP
hi-38	105	15	per	per	ADP
hi-38	105	16	the	the	DET
hi-38	105	17	convenience	convenience	NOUN
hi-38	105	18	of	of	ADP
hi-38	105	19	customer	customer	NOUN
hi-38	105	20	that	that	SCONJ
hi-38	105	21	how	how	SCONJ
hi-38	105	22	much	much	ADV
hi-38	105	23	he	he	PRON
hi-38	105	24	can	can	AUX
hi-38	105	25	pay	pay	VERB
hi-38	105	26	.	.	PUNCT
hi-38	106	1	it	it	PRON
hi-38	106	2	involves	involve	VERB
hi-38	106	3	less	less	ADJ
hi-38	106	4	risk	risk	NOUN
hi-38	106	5	but	but	CCONJ
hi-38	106	6	is	be	AUX
hi-38	106	7	invalid	invalid	ADJ
hi-38	106	8	.	.	PUNCT
hi-38	107	1	based	base	VERB
hi-38	107	2	on	on	ADP
hi-38	107	3	the	the	DET
hi-38	107	4	risk	risk	NOUN
hi-38	107	5	in	in	ADP
hi-38	107	6	islamic	islamic	ADJ
hi-38	107	7	,	,	PUNCT
hi-38	107	8	several	several	ADJ
hi-38	107	9	schools	school	NOUN
hi-38	107	10	of	of	ADP
hi-38	107	11	thoughts	thought	NOUN
hi-38	107	12	exist	exist	VERB
hi-38	107	13	.	.	PUNCT
hi-38	108	1	these	these	DET
hi-38	108	2	schools	school	NOUN
hi-38	108	3	of	of	ADP
hi-38	108	4	thoughts	thought	NOUN
hi-38	108	5	differ	differ	VERB
hi-38	108	6	according	accord	VERB
hi-38	108	7	to	to	ADP
hi-38	108	8	the	the	DET
hi-38	108	9	risk	risk	NOUN
hi-38	108	10	portrayed	portray	VERB
hi-38	108	11	by	by	ADP
hi-38	108	12	various	various	ADJ
hi-38	108	13	fiqh	fiqh	NOUN
hi-38	108	14	and	and	CCONJ
hi-38	108	15	madhhab	madhhab	PROPN
hi-38	108	16	.	.	PUNCT
hi-38	109	1	the	the	DET
hi-38	109	2	following	follow	VERB
hi-38	109	3	section	section	NOUN
hi-38	109	4	involves	involve	VERB
hi-38	109	5	discussion	discussion	NOUN
hi-38	109	6	on	on	ADP
hi-38	109	7	gharar	gharar	NOUN
hi-38	109	8	,	,	PUNCT
hi-38	109	9	which	which	PRON
hi-38	109	10	is	be	AUX
hi-38	109	11	referred	refer	VERB
hi-38	109	12	as	as	ADP
hi-38	109	13	uncertainty	uncertainty	NOUN
hi-38	109	14	in	in	ADP
hi-38	109	15	islam	islam	PROPN
hi-38	109	16	.	.	PUNCT
hi-38	110	1	the	the	DET
hi-38	110	2	probability	probability	NOUN
hi-38	110	3	or	or	CCONJ
hi-38	110	4	risk	risk	NOUN
hi-38	110	5	in	in	ADP
hi-38	110	6	arabic	arabic	ADJ
hi-38	110	7	language	language	NOUN
hi-38	110	8	is	be	AUX
hi-38	110	9	referred	refer	VERB
hi-38	110	10	as	as	ADP
hi-38	110	11	gharar	gharar	NOUN
hi-38	110	12	.	.	PUNCT
hi-38	111	1	it	it	PRON
hi-38	111	2	refers	refer	VERB
hi-38	111	3	to	to	ADP
hi-38	111	4	hazard	hazard	NOUN
hi-38	111	5	,	,	PUNCT
hi-38	111	6	nevertheless	nevertheless	ADV
hi-38	111	7	,	,	PUNCT
hi-38	111	8	risk	risk	NOUN
hi-38	111	9	in	in	ADP
hi-38	111	10	business	business	NOUN
hi-38	111	11	.	.	PUNCT
hi-38	112	1	moreover	moreover	ADV
hi-38	112	2	,	,	PUNCT
hi-38	112	3	it	it	PRON
hi-38	112	4	can	can	AUX
hi-38	112	5	be	be	AUX
hi-38	112	6	regarded	regard	VERB
hi-38	112	7	as	as	ADP
hi-38	112	8	holding	hold	VERB
hi-38	112	9	something	something	PRON
hi-38	112	10	,	,	PUNCT
hi-38	112	11	which	which	PRON
hi-38	112	12	is	be	AUX
hi-38	112	13	without	without	ADP
hi-38	112	14	knowing	know	VERB
hi-38	112	15	the	the	DET
hi-38	112	16	outcomes	outcome	NOUN
hi-38	112	17	.	.	PUNCT
hi-38	113	1	risk	risk	NOUN
hi-38	113	2	is	be	AUX
hi-38	113	3	taken	take	VERB
hi-38	113	4	without	without	ADP
hi-38	113	5	ensuring	ensure	VERB
hi-38	113	6	about	about	ADP
hi-38	113	7	the	the	DET
hi-38	113	8	results	result	NOUN
hi-38	113	9	.	.	PUNCT
hi-38	114	1	it	it	PRON
hi-38	114	2	may	may	AUX
hi-38	114	3	involve	involve	VERB
hi-38	114	4	hasty	hasty	ADJ
hi-38	114	5	decision	decision	NOUN
hi-38	114	6	making	making	NOUN
hi-38	114	7	without	without	ADP
hi-38	114	8	being	be	AUX
hi-38	114	9	aware	aware	ADJ
hi-38	114	10	of	of	ADP
hi-38	114	11	the	the	DET
hi-38	114	12	ultimate	ultimate	ADJ
hi-38	114	13	consequences	consequence	NOUN
hi-38	114	14	.	.	PUNCT
hi-38	115	1	in	in	ADP
hi-38	115	2	sahih	sahih	PROPN
hi-38	115	3	muslim	muslim	PROPN
hi-38	115	4	,	,	PUNCT
hi-38	115	5	gharar	gharar	PROPN
hi-38	115	6	has	have	AUX
hi-38	115	7	been	be	AUX
hi-38	115	8	stated	state	VERB
hi-38	115	9	as	as	ADP
hi-38	115	10	an	an	DET
hi-38	115	11	action	action	NOUN
hi-38	115	12	,	,	PUNCT
hi-38	115	13	which	which	PRON
hi-38	115	14	may	may	AUX
hi-38	115	15	result	result	VERB
hi-38	115	16	in	in	ADP
hi-38	115	17	negative	negative	ADJ
hi-38	115	18	consequences	consequence	NOUN
hi-38	115	19	or	or	CCONJ
hi-38	115	20	88	88	NUM
hi-38	115	21	the	the	DET
hi-38	115	22	funding	funding	NOUN
hi-38	115	23	liquidity	liquidity	NOUN
hi-38	115	24	risk	risk	NOUN
hi-38	115	25	...	...	PUNCT
hi-38	116	1	outcomes	outcome	NOUN
hi-38	116	2	.	.	PUNCT
hi-38	117	1	therefore	therefore	ADV
hi-38	117	2	,	,	PUNCT
hi-38	117	3	according	accord	VERB
hi-38	117	4	to	to	ADP
hi-38	117	5	hadith	hadith	NOUN
hi-38	117	6	and	and	CCONJ
hi-38	117	7	islamic	islamic	ADJ
hi-38	117	8	teachings	teaching	NOUN
hi-38	117	9	,	,	PUNCT
hi-38	117	10	when	when	SCONJ
hi-38	117	11	a	a	DET
hi-38	117	12	party	party	NOUN
hi-38	117	13	tries	try	VERB
hi-38	117	14	to	to	PART
hi-38	117	15	deceive	deceive	VERB
hi-38	117	16	the	the	DET
hi-38	117	17	other	other	ADJ
hi-38	117	18	party	party	NOUN
hi-38	117	19	using	use	VERB
hi-38	117	20	unfair	unfair	ADJ
hi-38	117	21	means	mean	NOUN
hi-38	117	22	and	and	CCONJ
hi-38	117	23	doubt	doubt	NOUN
hi-38	117	24	is	be	AUX
hi-38	117	25	caused	cause	VERB
hi-38	117	26	in	in	ADP
hi-38	117	27	contract	contract	NOUN
hi-38	117	28	negotiations	negotiation	NOUN
hi-38	117	29	,	,	PUNCT
hi-38	117	30	risk	risk	NOUN
hi-38	117	31	or	or	CCONJ
hi-38	117	32	gharar	gharar	NOUN
hi-38	117	33	is	be	AUX
hi-38	117	34	included	include	VERB
hi-38	117	35	in	in	ADP
hi-38	117	36	this	this	PRON
hi-38	117	37	.	.	PUNCT
hi-38	118	1	this	this	PRON
hi-38	118	2	may	may	AUX
hi-38	118	3	make	make	VERB
hi-38	118	4	the	the	DET
hi-38	118	5	contract	contract	NOUN
hi-38	118	6	invalid	invalid	ADJ
hi-38	118	7	(	(	PUNCT
hi-38	118	8	al	al	PROPN
hi-38	118	9	-	-	ADJ
hi-38	118	10	hajjaj	hajjaj	ADJ
hi-38	118	11	)	)	PUNCT
hi-38	118	12	.	.	PUNCT
hi-38	119	1	muslims	muslims	PROPN
hi-38	119	2	have	have	AUX
hi-38	119	3	been	be	AUX
hi-38	119	4	forbidden	forbid	VERB
hi-38	119	5	by	by	ADP
hi-38	119	6	islam	islam	PROPN
hi-38	119	7	for	for	ADP
hi-38	119	8	being	be	AUX
hi-38	119	9	involved	involve	VERB
hi-38	119	10	in	in	ADP
hi-38	119	11	gambling	gambling	NOUN
hi-38	119	12	.	.	PUNCT
hi-38	120	1	this	this	DET
hi-38	120	2	act	act	NOUN
hi-38	120	3	results	result	VERB
hi-38	120	4	in	in	ADP
hi-38	120	5	a	a	DET
hi-38	120	6	high	high	ADJ
hi-38	120	7	degree	degree	NOUN
hi-38	120	8	of	of	ADP
hi-38	120	9	uncertainty	uncertainty	NOUN
hi-38	120	10	or	or	CCONJ
hi-38	120	11	gharar	gharar	NOUN
hi-38	120	12	in	in	ADP
hi-38	120	13	a	a	DET
hi-38	120	14	business	business	NOUN
hi-38	120	15	relation	relation	NOUN
hi-38	120	16	,	,	PUNCT
hi-38	120	17	which	which	PRON
hi-38	120	18	is	be	AUX
hi-38	120	19	called	call	VERB
hi-38	120	20	mu‘émalét	mu‘émalét	ADJ
hi-38	120	21	.	.	PUNCT
hi-38	121	1	it	it	PRON
hi-38	121	2	is	be	AUX
hi-38	121	3	forbidden	forbid	VERB
hi-38	121	4	to	to	PART
hi-38	121	5	avoid	avoid	VERB
hi-38	121	6	abuses	abuse	NOUN
hi-38	121	7	,	,	PUNCT
hi-38	121	8	abhorrence	abhorrence	NOUN
hi-38	121	9	,	,	PUNCT
hi-38	121	10	and	and	CCONJ
hi-38	121	11	maintain	maintain	VERB
hi-38	121	12	harmony	harmony	NOUN
hi-38	121	13	between	between	ADP
hi-38	121	14	the	the	DET
hi-38	121	15	partners	partner	NOUN
hi-38	121	16	in	in	ADP
hi-38	121	17	the	the	DET
hi-38	121	18	contract	contract	NOUN
hi-38	121	19	.	.	PUNCT
hi-38	122	1	moreover	moreover	ADV
hi-38	122	2	,	,	PUNCT
hi-38	122	3	mysir	mysir	NOUN
hi-38	122	4	or	or	CCONJ
hi-38	122	5	luck	luck	NOUN
hi-38	122	6	game	game	NOUN
hi-38	122	7	is	be	AUX
hi-38	122	8	not	not	PART
hi-38	122	9	allowed	allow	VERB
hi-38	122	10	in	in	ADP
hi-38	122	11	islam	islam	PROPN
hi-38	122	12	.	.	PUNCT
hi-38	123	1	any	any	DET
hi-38	123	2	task	task	NOUN
hi-38	123	3	or	or	CCONJ
hi-38	123	4	activity	activity	NOUN
hi-38	123	5	,	,	PUNCT
hi-38	123	6	which	which	PRON
hi-38	123	7	results	result	VERB
hi-38	123	8	in	in	ADP
hi-38	123	9	gaining	gain	VERB
hi-38	123	10	profit	profit	NOUN
hi-38	123	11	without	without	ADP
hi-38	123	12	making	make	VERB
hi-38	123	13	any	any	DET
hi-38	123	14	effort	effort	NOUN
hi-38	123	15	,	,	PUNCT
hi-38	123	16	is	be	AUX
hi-38	123	17	forbidden	forbid	VERB
hi-38	123	18	in	in	ADP
hi-38	123	19	islam	islam	PROPN
hi-38	123	20	.	.	PUNCT
hi-38	124	1	qimér	qimér	PROPN
hi-38	124	2	and	and	CCONJ
hi-38	124	3	wager	wager	NOUN
hi-38	124	4	are	be	AUX
hi-38	124	5	prohibited	prohibit	VERB
hi-38	124	6	in	in	ADP
hi-38	124	7	islam	islam	PROPN
hi-38	124	8	because	because	SCONJ
hi-38	124	9	of	of	ADP
hi-38	124	10	non	non	ADJ
hi-38	124	11	-	-	ADJ
hi-38	124	12	productive	productive	ADJ
hi-38	124	13	activity	activity	NOUN
hi-38	124	14	resulting	result	VERB
hi-38	124	15	from	from	ADP
hi-38	124	16	gambling	gambling	NOUN
hi-38	124	17	.	.	PUNCT
hi-38	125	1	however	however	ADV
hi-38	125	2	,	,	PUNCT
hi-38	125	3	these	these	DET
hi-38	125	4	activities	activity	NOUN
hi-38	125	5	result	result	VERB
hi-38	125	6	in	in	ADP
hi-38	125	7	gaining	gain	VERB
hi-38	125	8	profit	profit	NOUN
hi-38	125	9	at	at	ADP
hi-38	125	10	the	the	DET
hi-38	125	11	expense	expense	NOUN
hi-38	125	12	of	of	ADP
hi-38	125	13	the	the	DET
hi-38	125	14	second	second	ADJ
hi-38	125	15	party	party	NOUN
hi-38	125	16	.	.	PUNCT
hi-38	126	1	اِس	اِس	NOUN
hi-38	126	2	افُِع	افُِع	PROPN
hi-38	126	3	ِللنَّ	ِللنَّ	PROPN
hi-38	126	4	يٌر	يٌر	X
hi-38	127	1	َوَمنَ	َوَمنَ	ADP
hi-38	127	2	ٌم	ٌم	NUM
hi-38	127	3	َكبِ	َكبِ	X
hi-38	127	4	ا	ا	X
hi-38	127	5	إِثْ	إِثْ	NOUN
hi-38	127	6	ْل	ْل	X
hi-38	127	7	فِيِهَم	فِيِهَم	PUNCT
hi-38	128	1	ِر	ِر	NOUN
hi-38	128	2	قُ	قُ	PROPN
hi-38	128	3	ِر	ِر	NOUN
hi-38	128	4	َواْلَمْيِس	َواْلَمْيِس	NOUN
hi-38	128	5	ِن	ِن	NOUN
hi-38	129	1	اْلَخْم	اْلَخْم	PROPN
hi-38	130	1	أَلُونََك	أَلُونََك	PROPN
hi-38	130	2	َع	َع	PRON
hi-38	130	3	يَْس	يَْس	PROPN
hi-38	130	4	ذَِلكَ	ذَِلكَ	NOUN
hi-38	130	5	َو	َو	ADP
hi-38	130	6	َك	َك	PROPN
hi-38	130	7	ِل	ِل	PROPN
hi-38	130	8	اْلعَْف	اْلعَْف	PROPN
hi-38	131	1	وَن	وَن	VERB
hi-38	131	2	قُ	قُ	PROPN
hi-38	132	1	اذَا	اذَا	PROPN
hi-38	132	2	يُنِفقُ	يُنِفقُ	PROPN
hi-38	132	3	أَلُونََك	أَلُونََك	PART
hi-38	132	4	َم	َم	NOUN
hi-38	132	5	ا	ا	X
hi-38	132	6	َويَْس	َويَْس	PROPN
hi-38	132	7	ن	ن	PROPN
hi-38	132	8	نَّْفِعِهَم	نَّْفِعِهَم	ADP
hi-38	132	9	ُر	ُر	NOUN
hi-38	132	10	ِم	ِم	PROPN
hi-38	132	11	آ	آ	X
hi-38	132	12	أَْكبَ	أَْكبَ	PROPN
hi-38	132	13	َوِإثُْمُهَم	َوِإثُْمُهَم	PROPN
hi-38	132	14	ُرونَ	ُرونَ	NOUN
hi-38	132	15	ْم	ْم	NOUN
hi-38	132	16	تَتَفَكَّ	تَتَفَكَّ	NUM
hi-38	132	17	اِت	اِت	PROPN
hi-38	132	18	لَعَلَُّك	لَعَلَُّك	PROPN
hi-38	132	19	ُم	ُم	ADJ
hi-38	132	20	اآليَ	اآليَ	VERB
hi-38	132	21	ُ	ُ	PROPN
hi-38	132	22	لَُك	لَُك	PROPN
hi-38	132	23	ّ	ّ	PROPN
hi-38	132	24	ُن	ُن	X
hi-38	132	25	يُبيِّ	يُبيِّ	PROPN
hi-38	133	1	they	they	PRON
hi-38	133	2	ask	ask	VERB
hi-38	133	3	thee	thee	PRON
hi-38	133	4	concerning	concern	VERB
hi-38	133	5	wine	wine	NOUN
hi-38	133	6	and	and	CCONJ
hi-38	133	7	gambling	gambling	NOUN
hi-38	133	8	.	.	PUNCT
hi-38	134	1	say	say	VERB
hi-38	134	2	:	:	PUNCT
hi-38	134	3	“	"	PUNCT
hi-38	134	4	in	in	ADP
hi-38	134	5	them	they	PRON
hi-38	134	6	is	be	AUX
hi-38	134	7	great	great	ADJ
hi-38	134	8	sin	sin	NOUN
hi-38	134	9	,	,	PUNCT
hi-38	134	10	and	and	CCONJ
hi-38	134	11	some	some	DET
hi-38	134	12	profit	profit	NOUN
hi-38	134	13	,	,	PUNCT
hi-38	134	14	for	for	ADP
hi-38	134	15	men	man	NOUN
hi-38	134	16	;	;	PUNCT
hi-38	134	17	but	but	CCONJ
hi-38	134	18	the	the	DET
hi-38	134	19	sin	sin	NOUN
hi-38	134	20	is	be	AUX
hi-38	134	21	greater	great	ADJ
hi-38	134	22	than	than	ADP
hi-38	134	23	the	the	DET
hi-38	134	24	profit	profit	NOUN
hi-38	134	25	.	.	PUNCT
hi-38	134	26	”	"	PUNCT
hi-38	135	1	they	they	PRON
hi-38	135	2	ask	ask	VERB
hi-38	135	3	thee	thee	PRON
hi-38	135	4	how	how	SCONJ
hi-38	135	5	much	much	ADJ
hi-38	135	6	they	they	PRON
hi-38	135	7	are	be	AUX
hi-38	135	8	to	to	PART
hi-38	135	9	spend	spend	VERB
hi-38	135	10	;	;	PUNCT
hi-38	135	11	say	say	VERB
hi-38	135	12	:	:	PUNCT
hi-38	135	13	“	"	PUNCT
hi-38	135	14	what	what	PRON
hi-38	135	15	is	be	AUX
hi-38	135	16	beyond	beyond	ADP
hi-38	135	17	your	your	PRON
hi-38	135	18	needs	need	NOUN
hi-38	135	19	.	.	PUNCT
hi-38	135	20	”	"	PUNCT
hi-38	136	1	thus	thus	ADV
hi-38	136	2	doth	doth	NOUN
hi-38	136	3	allah	allah	PROPN
hi-38	136	4	make	make	VERB
hi-38	136	5	clear	clear	ADJ
hi-38	136	6	to	to	ADP
hi-38	136	7	you	you	PRON
hi-38	136	8	his	his	PRON
hi-38	136	9	signs	sign	NOUN
hi-38	136	10	:	:	PUNCT
hi-38	136	11	in	in	ADP
hi-38	136	12	order	order	NOUN
hi-38	136	13	that	that	SCONJ
hi-38	136	14	ye	ye	PRON
hi-38	136	15	may	may	AUX
hi-38	136	16	consider	consider	VERB
hi-38	136	17	.	.	PUNCT
hi-38	137	1	(	(	PUNCT
hi-38	137	2	al	al	PROPN
hi-38	137	3	-	-	PUNCT
hi-38	137	4	qur’én	qur’én	PROPN
hi-38	137	5	,	,	PUNCT
hi-38	137	6	ii:219	ii:219	NOUN
hi-38	137	7	)	)	PUNCT
hi-38	137	8	لِ	لِ	PROPN
hi-38	138	1	ن	ن	PROPN
hi-38	138	2	َعَم	َعَم	INTJ
hi-38	138	3	ٌس	ٌس	NUM
hi-38	138	4	ِم	ِم	NUM
hi-38	138	5	اُب	اُب	PROPN
hi-38	138	6	َواألَزالُم	َواألَزالُم	NOUN
hi-38	138	7	ِرج	ِرج	PROPN
hi-38	138	8	ُر	ُر	NOUN
hi-38	138	9	َواألَنص	َواألَنص	NOUN
hi-38	138	10	ُر	ُر	PROPN
hi-38	139	1	َوالَميِس	َوالَميِس	PROPN
hi-38	139	2	ا	ا	PROPN
hi-38	140	1	الَخم	الَخم	PROPN
hi-38	140	2	وا	وا	NOUN
hi-38	140	3	ِإنََّم	ِإنََّم	PROPN
hi-38	140	4	ذيَن	ذيَن	ADJ
hi-38	140	5	آَمن	آَمن	NUM
hi-38	140	6	ا	ا	ADV
hi-38	140	7	الَّ	الَّ	NUM
hi-38	140	8	ا	ا	NOUN
hi-38	140	9	أَيَُّه	أَيَُّه	NOUN
hi-38	140	10	ي	ي	NUM
hi-38	140	11	ونَ	ونَ	NOUN
hi-38	140	12	م	م	NOUN
hi-38	140	13	تُفِلح	تُفِلح	VERB
hi-38	140	14	اجتَِنبوهُ	اجتَِنبوهُ	NUM
hi-38	140	15	لَعَلَُّك	لَعَلَُّك	PROPN
hi-38	140	16	يطاِن	يطاِن	NOUN
hi-38	140	17	فَ	فَ	PUNCT
hi-38	141	1	الشَّ	الشَّ	PROPN
hi-38	141	2	o	o	PROPN
hi-38	141	3	ye	ye	PRON
hi-38	141	4	who	who	PRON
hi-38	141	5	believe	believe	VERB
hi-38	141	6	!	!	PUNCT
hi-38	142	1	strong	strong	ADJ
hi-38	142	2	drink	drink	NOUN
hi-38	142	3	and	and	CCONJ
hi-38	142	4	games	game	NOUN
hi-38	142	5	of	of	ADP
hi-38	142	6	chance	chance	NOUN
hi-38	142	7	and	and	CCONJ
hi-38	142	8	idols	idol	NOUN
hi-38	142	9	and	and	CCONJ
hi-38	142	10	divining	divine	VERB
hi-38	142	11	arrows	arrow	NOUN
hi-38	142	12	are	be	AUX
hi-38	142	13	only	only	ADV
hi-38	142	14	an	an	DET
hi-38	142	15	infamy	infamy	NOUN
hi-38	142	16	of	of	ADP
hi-38	142	17	satan	satan	PROPN
hi-38	142	18	’s	’s	PART
hi-38	142	19	handiwork	handiwork	NOUN
hi-38	142	20	.	.	PUNCT
hi-38	143	1	leave	leave	VERB
hi-38	143	2	it	it	PRON
hi-38	143	3	aside	aside	ADV
hi-38	143	4	in	in	ADP
hi-38	143	5	order	order	NOUN
hi-38	143	6	that	that	SCONJ
hi-38	143	7	ye	ye	PRON
hi-38	143	8	may	may	AUX
hi-38	143	9	succeed	succeed	VERB
hi-38	143	10	.	.	PUNCT
hi-38	144	1	(	(	PUNCT
hi-38	144	2	al	al	PROPN
hi-38	144	3	-	-	PUNCT
hi-38	144	4	qur’én	qur’én	PROPN
hi-38	144	5	,	,	PUNCT
hi-38	144	6	v:90	v:90	ADV
hi-38	144	7	)	)	PUNCT
hi-38	144	8	رِ	رِ	PROPN
hi-38	144	9	ي	ي	PROPN
hi-38	144	10	الَخم	الَخم	PROPN
hi-38	144	11	اَء	اَء	PROPN
hi-38	144	12	فِ	فِ	PROPN
hi-38	144	13	داَوةَ	داَوةَ	PROPN
hi-38	144	14	َوالبَغض	َوالبَغض	NUM
hi-38	144	15	ُم	ُم	PROPN
hi-38	144	16	العَ	العَ	PROPN
hi-38	144	17	َع	َع	PROPN
hi-38	144	18	َبينَُك	َبينَُك	NUM
hi-38	144	19	يطاُن	يطاُن	PROPN
hi-38	144	20	أَن	أَن	X
hi-38	144	21	يوقِ	يوقِ	PROPN
hi-38	144	22	ُد	ُد	VERB
hi-38	144	23	الشَّ	الشَّ	PROPN
hi-38	144	24	ا	ا	PRON
hi-38	144	25	يُري	يُري	NOUN
hi-38	144	26	ِإنَّم	ِإنَّم	PROPN
hi-38	144	27	الةِ	الةِ	PROPN
hi-38	144	28	ِن	ِن	PROPN
hi-38	144	29	الصَّ	الصَّ	VERB
hi-38	144	30	ِ	ِ	PROPN
hi-38	144	31	َوَع	َوَع	NUM
hi-38	144	32	َّ	َّ	PROPN
hi-38	144	33	ِر	ِر	NOUN
hi-38	145	1	ن	ن	NOUN
hi-38	145	2	ِذك	ِذك	NOUN
hi-38	145	3	دَُّكم	دَُّكم	PROPN
hi-38	145	4	َع	َع	VERB
hi-38	145	5	ِر	ِر	NOUN
hi-38	145	6	َويَُص	َويَُص	PROPN
hi-38	145	7	ونَ	ونَ	NOUN
hi-38	145	8	—	—	PUNCT
hi-38	145	9	َوالَميِس	َوالَميِس	PROPN
hi-38	145	10	م	م	PROPN
hi-38	145	11	ُمنتَه	ُمنتَه	ADV
hi-38	145	12	ل	ل	PROPN
hi-38	145	13	أَنتُ	أَنتُ	PROPN
hi-38	145	14	فََه	فََه	PROPN
hi-38	145	15	satan	satan	PROPN
hi-38	145	16	’s	’s	PART
hi-38	145	17	plan	plan	NOUN
hi-38	145	18	is	be	AUX
hi-38	145	19	(	(	PUNCT
hi-38	145	20	but	but	CCONJ
hi-38	145	21	)	)	PUNCT
hi-38	145	22	to	to	PART
hi-38	145	23	excite	excite	VERB
hi-38	145	24	enmity	enmity	NOUN
hi-38	145	25	and	and	CCONJ
hi-38	145	26	hatred	hatred	NOUN
hi-38	145	27	between	between	ADP
hi-38	145	28	you	you	PRON
hi-38	145	29	,	,	PUNCT
hi-38	145	30	with	with	ADP
hi-38	145	31	intoxicants	intoxicant	NOUN
hi-38	145	32	and	and	CCONJ
hi-38	145	33	gambling	gambling	NOUN
hi-38	145	34	,	,	PUNCT
hi-38	145	35	and	and	CCONJ
hi-38	145	36	hinder	hinder	VERB
hi-38	145	37	you	you	PRON
hi-38	145	38	from	from	ADP
hi-38	145	39	the	the	DET
hi-38	145	40	remembrance	remembrance	NOUN
hi-38	145	41	of	of	ADP
hi-38	145	42	allah	allah	PROPN
hi-38	145	43	,	,	PUNCT
hi-38	145	44	and	and	CCONJ
hi-38	145	45	from	from	ADP
hi-38	145	46	prayer	prayer	NOUN
hi-38	145	47	:	:	PUNCT
hi-38	145	48	will	will	AUX
hi-38	145	49	ye	ye	VERB
hi-38	145	50	not	not	PART
hi-38	145	51	then	then	ADV
hi-38	145	52	abstain	abstain	VERB
hi-38	145	53	?	?	PUNCT
hi-38	146	1	(	(	PUNCT
hi-38	146	2	al	al	PROPN
hi-38	146	3	-	-	PUNCT
hi-38	146	4	qur’én	qur’én	PROPN
hi-38	146	5	,	,	PUNCT
hi-38	146	6	v:91	v:91	PROPN
hi-38	146	7	)	)	PUNCT
hi-38	146	8	.	.	PUNCT
hi-38	147	1	it	it	PRON
hi-38	147	2	was	be	AUX
hi-38	147	3	seen	see	VERB
hi-38	147	4	by	by	ADP
hi-38	147	5	rasul	rasul	PROPN
hi-38	147	6	allah	allah	PROPN
hi-38	147	7	that	that	SCONJ
hi-38	147	8	a	a	DET
hi-38	147	9	camel	camel	NOUN
hi-38	147	10	was	be	AUX
hi-38	147	11	left	leave	VERB
hi-38	147	12	untied	untie	VERB
hi-38	147	13	by	by	ADP
hi-38	147	14	his	his	PRON
hi-38	147	15	bedouin	bedouin	PROPN
hi-38	147	16	.	.	PUNCT
hi-38	148	1	the	the	DET
hi-38	148	2	bedouin	bedouin	PROPN
hi-38	148	3	was	be	AUX
hi-38	148	4	asked	ask	VERB
hi-38	148	5	by	by	ADP
hi-38	148	6	rasul	rasul	PROPN
hi-38	148	7	allah	allah	PROPN
hi-38	148	8	that	that	SCONJ
hi-38	148	9	why	why	SCONJ
hi-38	148	10	you	you	PRON
hi-38	148	11	have	have	VERB
hi-38	148	12	hamdard	hamdard	ADJ
hi-38	148	13	islamicus	islamicus	NOUN
hi-38	148	14	vol	vol	NOUN
hi-38	148	15	.	.	PUNCT
hi-38	149	1	xliii	xliii	PROPN
hi-38	149	2	,	,	PUNCT
hi-38	149	3	no	no	INTJ
hi-38	149	4	.	.	NOUN
hi-38	149	5	1	1	NUM
hi-38	149	6	89	89	NUM
hi-38	149	7	left	leave	VERB
hi-38	149	8	the	the	DET
hi-38	149	9	camel	camel	NOUN
hi-38	149	10	untied	untie	VERB
hi-38	149	11	.	.	PUNCT
hi-38	150	1	the	the	DET
hi-38	150	2	answer	answer	NOUN
hi-38	150	3	of	of	ADP
hi-38	150	4	the	the	DET
hi-38	150	5	bedouin	bedouin	PROPN
hi-38	150	6	was	be	AUX
hi-38	150	7	that	that	SCONJ
hi-38	150	8	i	i	PRON
hi-38	150	9	have	have	VERB
hi-38	150	10	strong	strong	ADJ
hi-38	150	11	trust	trust	NOUN
hi-38	150	12	on	on	ADP
hi-38	150	13	allah	allah	PROPN
hi-38	150	14	almighty	almighty	PROPN
hi-38	150	15	.	.	PUNCT
hi-38	151	1	then	then	ADV
hi-38	151	2	,	,	PUNCT
hi-38	151	3	it	it	PRON
hi-38	151	4	was	be	AUX
hi-38	151	5	replied	reply	VERB
hi-38	151	6	by	by	ADP
hi-38	151	7	rasul	rasul	PROPN
hi-38	151	8	allah	allah	PROPN
hi-38	151	9	that	that	SCONJ
hi-38	151	10	you	you	PRON
hi-38	151	11	must	must	AUX
hi-38	151	12	tie	tie	VERB
hi-38	151	13	your	your	PRON
hi-38	151	14	camel	camel	NOUN
hi-38	151	15	and	and	CCONJ
hi-38	151	16	then	then	ADV
hi-38	151	17	trust	trust	VERB
hi-38	151	18	your	your	PRON
hi-38	151	19	allah	allah	PROPN
hi-38	151	20	almighty	almighty	PROPN
hi-38	151	21	(	(	PUNCT
hi-38	151	22	narrated	narrate	VERB
hi-38	151	23	by	by	ADP
hi-38	151	24	attirmidhi	attirmidhi	PROPN
hi-38	151	25	)	)	PUNCT
hi-38	151	26	.	.	PUNCT
hi-38	152	1	guidance	guidance	NOUN
hi-38	152	2	has	have	AUX
hi-38	152	3	been	be	AUX
hi-38	152	4	provided	provide	VERB
hi-38	152	5	by	by	ADP
hi-38	152	6	allah	allah	PROPN
hi-38	152	7	almighty	almighty	PROPN
hi-38	152	8	in	in	ADP
hi-38	152	9	surah	surah	PROPN
hi-38	152	10	yusuf	yusuf	PROPN
hi-38	152	11	for	for	ADP
hi-38	152	12	risk	risk	NOUN
hi-38	152	13	management	management	NOUN
hi-38	152	14	.	.	PUNCT
hi-38	153	1	hadith	hadith	NOUN
hi-38	153	2	at	at	ADP
hi-38	153	3	tirmidhi	tirmidhi	PROPN
hi-38	153	4	has	have	AUX
hi-38	153	5	also	also	ADV
hi-38	153	6	given	give	VERB
hi-38	153	7	guidelines	guideline	NOUN
hi-38	153	8	for	for	ADP
hi-38	153	9	managing	manage	VERB
hi-38	153	10	risk	risk	NOUN
hi-38	153	11	.	.	PUNCT
hi-38	154	1	first	first	ADV
hi-38	154	2	of	of	ADP
hi-38	154	3	all	all	PRON
hi-38	154	4	,	,	PUNCT
hi-38	154	5	there	there	PRON
hi-38	154	6	is	be	VERB
hi-38	154	7	a	a	DET
hi-38	154	8	need	need	NOUN
hi-38	154	9	for	for	ADP
hi-38	154	10	mitigating	mitigate	VERB
hi-38	154	11	risk	risk	NOUN
hi-38	154	12	through	through	ADP
hi-38	154	13	diversification	diversification	NOUN
hi-38	154	14	.	.	PUNCT
hi-38	155	1	secondly	secondly	ADV
hi-38	155	2	,	,	PUNCT
hi-38	155	3	wealth	wealth	NOUN
hi-38	155	4	should	should	AUX
hi-38	155	5	be	be	AUX
hi-38	155	6	protected	protect	VERB
hi-38	155	7	by	by	ADP
hi-38	155	8	taking	take	VERB
hi-38	155	9	suitable	suitable	ADJ
hi-38	155	10	and	and	CCONJ
hi-38	155	11	necessary	necessary	ADJ
hi-38	155	12	measures	measure	NOUN
hi-38	155	13	for	for	ADP
hi-38	155	14	any	any	DET
hi-38	155	15	expected	expect	VERB
hi-38	155	16	loss	loss	NOUN
hi-38	155	17	.	.	PUNCT
hi-38	156	1	all	all	DET
hi-38	156	2	such	such	ADJ
hi-38	156	3	measures	measure	NOUN
hi-38	156	4	are	be	AUX
hi-38	156	5	in	in	ADP
hi-38	156	6	line	line	NOUN
hi-38	156	7	with	with	ADP
hi-38	156	8	the	the	DET
hi-38	156	9	principles	principle	NOUN
hi-38	156	10	of	of	ADP
hi-38	156	11	risk	risk	NOUN
hi-38	156	12	management	management	NOUN
hi-38	156	13	,	,	PUNCT
hi-38	156	14	precautions	precaution	NOUN
hi-38	156	15	,	,	PUNCT
hi-38	156	16	diversification	diversification	NOUN
hi-38	156	17	,	,	PUNCT
hi-38	156	18	controlling	control	VERB
hi-38	156	19	and	and	CCONJ
hi-38	156	20	monitoring	monitor	VERB
hi-38	156	21	the	the	DET
hi-38	156	22	process	process	NOUN
hi-38	156	23	of	of	ADP
hi-38	156	24	risk	risk	NOUN
hi-38	156	25	management	management	NOUN
hi-38	156	26	.	.	PUNCT
hi-38	157	1	liquidity	liquidity	NOUN
hi-38	157	2	in	in	ADP
hi-38	157	3	islamic	islamic	PROPN
hi-38	157	4	bank	bank	PROPN
hi-38	157	5	it	it	PRON
hi-38	157	6	has	have	AUX
hi-38	157	7	become	become	VERB
hi-38	157	8	difficult	difficult	ADJ
hi-38	157	9	to	to	PART
hi-38	157	10	avoid	avoid	VERB
hi-38	157	11	fiqh	fiqh	PROPN
hi-38	157	12	al	al	PROPN
hi-38	157	13	-	-	PUNCT
hi-38	157	14	mu‘émalat	mu‘émalat	PROPN
hi-38	157	15	(	(	PUNCT
hi-38	157	16	islamic	islamic	ADJ
hi-38	157	17	law	law	NOUN
hi-38	157	18	)	)	PUNCT
hi-38	157	19	in	in	ADP
hi-38	157	20	the	the	DET
hi-38	157	21	current	current	ADJ
hi-38	157	22	system	system	NOUN
hi-38	157	23	of	of	ADP
hi-38	157	24	islamic	islamic	ADJ
hi-38	157	25	finance	finance	NOUN
hi-38	157	26	.	.	PUNCT
hi-38	158	1	if	if	SCONJ
hi-38	158	2	any	any	DET
hi-38	158	3	business	business	NOUN
hi-38	158	4	,	,	PUNCT
hi-38	158	5	bank	bank	NOUN
hi-38	158	6	,	,	PUNCT
hi-38	158	7	firm	firm	NOUN
hi-38	158	8	,	,	PUNCT
hi-38	158	9	or	or	CCONJ
hi-38	158	10	an	an	DET
hi-38	158	11	individual	individual	ADJ
hi-38	158	12	aim	aim	NOUN
hi-38	158	13	at	at	ADP
hi-38	158	14	maximization	maximization	NOUN
hi-38	158	15	of	of	ADP
hi-38	158	16	profits	profit	NOUN
hi-38	158	17	or	or	CCONJ
hi-38	158	18	revenue	revenue	NOUN
hi-38	158	19	,	,	PUNCT
hi-38	158	20	this	this	DET
hi-38	158	21	profit	profit	NOUN
hi-38	158	22	maximization	maximization	NOUN
hi-38	158	23	must	must	AUX
hi-38	158	24	be	be	AUX
hi-38	158	25	in	in	ADP
hi-38	158	26	line	line	NOUN
hi-38	158	27	with	with	ADP
hi-38	158	28	the	the	DET
hi-38	158	29	teachings	teaching	NOUN
hi-38	158	30	of	of	ADP
hi-38	158	31	sharê‘ah	sharê‘ah	NOUN
hi-38	158	32	.	.	PUNCT
hi-38	159	1	the	the	DET
hi-38	159	2	contracts	contract	NOUN
hi-38	159	3	must	must	AUX
hi-38	159	4	be	be	AUX
hi-38	159	5	made	make	VERB
hi-38	159	6	according	accord	VERB
hi-38	159	7	to	to	ADP
hi-38	159	8	the	the	DET
hi-38	159	9	guidelines	guideline	NOUN
hi-38	159	10	of	of	ADP
hi-38	159	11	islam	islam	PROPN
hi-38	159	12	and	and	CCONJ
hi-38	159	13	teachings	teaching	NOUN
hi-38	159	14	of	of	ADP
hi-38	159	15	rasul	rasul	PROPN
hi-38	159	16	allah	allah	PROPN
hi-38	159	17	.	.	PUNCT
hi-38	160	1	for	for	ADP
hi-38	160	2	instance	instance	NOUN
hi-38	160	3	,	,	PUNCT
hi-38	160	4	riba	riba	PROPN
hi-38	160	5	has	have	AUX
hi-38	160	6	been	be	AUX
hi-38	160	7	forbidden	forbid	VERB
hi-38	160	8	as	as	SCONJ
hi-38	160	9	said	say	VERB
hi-38	160	10	by	by	ADP
hi-38	160	11	allah	allah	PROPN
hi-38	160	12	s.w.t	s.w.t	PROPN
hi-38	160	13	in	in	ADP
hi-38	160	14	his	his	PRON
hi-38	160	15	book	book	NOUN
hi-38	160	16	.	.	PUNCT
hi-38	161	1	ا	ا	X
hi-38	161	2	}	}	PUNCT
hi-38	161	3	زم	زم	ADV
hi-38	161	4	الزب	الزب	ADJ
hi-38	161	5	ع	ع	ADP
hi-38	161	6	وح	وح	INTJ
hi-38	161	7	ال	ال	NOUN
hi-38	161	8	البي	البي	NOUN
hi-38	161	9	ل	ل	PROPN
hi-38	161	10	هل	هل	PROPN
hi-38	161	11	{	{	PUNCT
hi-38	161	12	و	و	NOUN
hi-38	161	13	أح	أح	NOUN
hi-38	161	14	and	and	CCONJ
hi-38	161	15	allah	allah	PROPN
hi-38	161	16	hath	hath	PROPN
hi-38	161	17	permitted	permit	VERB
hi-38	161	18	trade	trade	NOUN
hi-38	161	19	and	and	CCONJ
hi-38	161	20	forbidden	forbid	VERB
hi-38	161	21	usury	usury	NOUN
hi-38	161	22	.	.	PUNCT
hi-38	162	1	(	(	PUNCT
hi-38	162	2	al	al	PROPN
hi-38	162	3	-	-	PUNCT
hi-38	162	4	qur’én	qur’én	PROPN
hi-38	162	5	,	,	PUNCT
hi-38	162	6	ii:275	ii:275	NUM
hi-38	162	7	)	)	PUNCT
hi-38	162	8	when	when	SCONJ
hi-38	162	9	riba	riba	PROPN
hi-38	162	10	is	be	AUX
hi-38	162	11	avoided	avoid	VERB
hi-38	162	12	,	,	PUNCT
hi-38	162	13	the	the	DET
hi-38	162	14	profit	profit	NOUN
hi-38	162	15	maximization	maximization	NOUN
hi-38	162	16	does	do	AUX
hi-38	162	17	not	not	PART
hi-38	162	18	involve	involve	VERB
hi-38	162	19	any	any	DET
hi-38	162	20	unethical	unethical	ADJ
hi-38	162	21	practices	practice	NOUN
hi-38	162	22	.	.	PUNCT
hi-38	163	1	this	this	PRON
hi-38	163	2	enables	enable	VERB
hi-38	163	3	the	the	DET
hi-38	163	4	business	business	NOUN
hi-38	163	5	to	to	PART
hi-38	163	6	work	work	VERB
hi-38	163	7	on	on	ADP
hi-38	163	8	ethical	ethical	ADJ
hi-38	163	9	principles	principle	NOUN
hi-38	163	10	in	in	ADP
hi-38	163	11	islamic	islamic	ADJ
hi-38	163	12	banking	banking	NOUN
hi-38	163	13	.	.	PUNCT
hi-38	164	1	an	an	DET
hi-38	164	2	essential	essential	ADJ
hi-38	164	3	idea	idea	NOUN
hi-38	164	4	for	for	ADP
hi-38	164	5	interest	interest	NOUN
hi-38	164	6	elimination	elimination	NOUN
hi-38	164	7	is	be	AUX
hi-38	164	8	included	include	VERB
hi-38	164	9	in	in	ADP
hi-38	164	10	islamic	islamic	ADJ
hi-38	164	11	banking	banking	NOUN
hi-38	164	12	and	and	CCONJ
hi-38	164	13	finance	finance	NOUN
hi-38	164	14	system	system	NOUN
hi-38	164	15	.	.	PUNCT
hi-38	165	1	regardless	regardless	ADV
hi-38	165	2	of	of	ADP
hi-38	165	3	eliminating	eliminate	VERB
hi-38	165	4	risk	risk	NOUN
hi-38	165	5	,	,	PUNCT
hi-38	165	6	the	the	DET
hi-38	165	7	trade	trade	NOUN
hi-38	165	8	and	and	CCONJ
hi-38	165	9	commerce	commerce	NOUN
hi-38	165	10	activities	activity	NOUN
hi-38	165	11	in	in	ADP
hi-38	165	12	islamic	islamic	ADJ
hi-38	165	13	banking	banking	NOUN
hi-38	165	14	have	have	AUX
hi-38	165	15	not	not	PART
hi-38	165	16	been	be	AUX
hi-38	165	17	identified	identify	VERB
hi-38	165	18	as	as	ADP
hi-38	165	19	a	a	DET
hi-38	165	20	similar	similar	ADJ
hi-38	165	21	ability	ability	NOUN
hi-38	165	22	of	of	ADP
hi-38	165	23	riba	riba	PROPN
hi-38	165	24	(	(	PUNCT
hi-38	165	25	interest	interest	NOUN
hi-38	165	26	)	)	PUNCT
hi-38	165	27	.	.	PUNCT
hi-38	166	1	therefore	therefore	ADV
hi-38	166	2	,	,	PUNCT
hi-38	166	3	it	it	PRON
hi-38	166	4	is	be	AUX
hi-38	166	5	believed	believe	VERB
hi-38	166	6	by	by	ADP
hi-38	166	7	several	several	ADJ
hi-38	166	8	people	people	NOUN
hi-38	166	9	that	that	SCONJ
hi-38	166	10	interest	interest	NOUN
hi-38	166	11	is	be	AUX
hi-38	166	12	not	not	PART
hi-38	166	13	used	use	VERB
hi-38	166	14	by	by	ADP
hi-38	166	15	islamic	islamic	ADJ
hi-38	166	16	banks	bank	NOUN
hi-38	166	17	in	in	ADP
hi-38	166	18	their	their	PRON
hi-38	166	19	activities	activity	NOUN
hi-38	166	20	.	.	PUNCT
hi-38	167	1	the	the	DET
hi-38	167	2	true	true	ADJ
hi-38	167	3	thinking	thinking	NOUN
hi-38	167	4	concept	concept	NOUN
hi-38	167	5	is	be	AUX
hi-38	167	6	involved	involve	VERB
hi-38	167	7	in	in	ADP
hi-38	167	8	this	this	PRON
hi-38	167	9	,	,	PUNCT
hi-38	167	10	but	but	CCONJ
hi-38	167	11	it	it	PRON
hi-38	167	12	does	do	AUX
hi-38	167	13	not	not	PART
hi-38	167	14	reflect	reflect	VERB
hi-38	167	15	the	the	DET
hi-38	167	16	stand	stand	NOUN
hi-38	167	17	of	of	ADP
hi-38	167	18	an	an	DET
hi-38	167	19	islamic	islamic	PROPN
hi-38	167	20	bank	bank	NOUN
hi-38	167	21	.	.	PUNCT
hi-38	168	1	it	it	PRON
hi-38	168	2	can	can	AUX
hi-38	168	3	be	be	AUX
hi-38	168	4	said	say	VERB
hi-38	168	5	that	that	SCONJ
hi-38	168	6	trading	trading	NOUN
hi-38	168	7	and	and	CCONJ
hi-38	168	8	commercial	commercial	ADJ
hi-38	168	9	doctrine	doctrine	NOUN
hi-38	168	10	ع	ع	X
hi-38	168	11	)	)	PUNCT
hi-38	168	12	ب	ب	X
hi-38	168	13	)	)	PUNCT
hi-38	168	14	is	be	AUX
hi-38	168	15	involved	involve	VERB
hi-38	168	16	in	in	ADP
hi-38	168	17	islamic	islamic	ADJ
hi-38	168	18	banking	banking	NOUN
hi-38	168	19	and	and	CCONJ
hi-38	168	20	value	value	NOUN
hi-38	168	21	addition	addition	NOUN
hi-38	168	22	(	(	PUNCT
hi-38	168	23	البي	البي	NOUN
hi-38	168	24	and	and	CCONJ
hi-38	168	25	(	(	PUNCT
hi-38	168	26	الكس	الكس	NOUN
hi-38	168	27	risk	risk	NOUN
hi-38	168	28	taking	taking	NOUN
hi-38	168	29	(	(	PUNCT
hi-38	168	30	زم	زم	ADV
hi-38	168	31	is	be	AUX
hi-38	168	32	involved	involve	VERB
hi-38	168	33	in	in	ADP
hi-38	168	34	gaining	gain	VERB
hi-38	168	35	profit	profit	NOUN
hi-38	168	36	.	.	PUNCT
hi-38	169	1	the	the	DET
hi-38	169	2	concept	concept	NOUN
hi-38	169	3	of	of	ADP
hi-38	169	4	risk	risk	NOUN
hi-38	169	5	(	(	PUNCT
hi-38	169	6	الغ	الغ	VERB
hi-38	169	7	management	management	NOUN
hi-38	169	8	has	have	AUX
hi-38	169	9	been	be	AUX
hi-38	169	10	defined	define	VERB
hi-38	169	11	by	by	ADP
hi-38	169	12	hadêth	hadêth	NOUN
hi-38	169	13	and	and	CCONJ
hi-38	169	14	qur’én	qur’én	ADV
hi-38	169	15	as	as	ADP
hi-38	169	16	below	below	ADV
hi-38	169	17	:	:	PUNCT
hi-38	169	18	90	90	NUM
hi-38	169	19	the	the	DET
hi-38	169	20	funding	funding	NOUN
hi-38	169	21	liquidity	liquidity	NOUN
hi-38	169	22	risk	risk	NOUN
hi-38	169	23	...	...	PUNCT
hi-38	170	1	“	"	PUNCT
hi-38	170	2	we	we	PRON
hi-38	170	3	had	have	VERB
hi-38	170	4	already	already	ADV
hi-38	170	5	,	,	PUNCT
hi-38	170	6	beforehand	beforehand	ADV
hi-38	170	7	.	.	PUNCT
hi-38	171	1	taken	take	VERB
hi-38	171	2	the	the	DET
hi-38	171	3	covenant	covenant	NOUN
hi-38	171	4	of	of	ADP
hi-38	171	5	adam	adam	PROPN
hi-38	171	6	but	but	CCONJ
hi-38	171	7	he	he	PRON
hi-38	171	8	forgot	forget	VERB
hi-38	171	9	:	:	PUNCT
hi-38	171	10	and	and	CCONJ
hi-38	171	11	we	we	PRON
hi-38	171	12	found	find	VERB
hi-38	171	13	on	on	ADP
hi-38	171	14	his	his	PRON
hi-38	171	15	part	part	NOUN
hi-38	171	16	no	no	DET
hi-38	171	17	resolve	resolve	NOUN
hi-38	171	18	.	.	PUNCT
hi-38	171	19	”	"	PUNCT
hi-38	172	1	(	(	PUNCT
hi-38	172	2	surah	surah	INTJ
hi-38	172	3	ùa	ùa	VERB
hi-38	172	4	ha	ha	INTJ
hi-38	172	5	:	:	PUNCT
hi-38	172	6	verse	verse	NOUN
hi-38	172	7	:	:	PUNCT
hi-38	172	8	115	115	NUM
hi-38	172	9	)	)	PUNCT
hi-38	172	10	.	.	PUNCT
hi-38	173	1	means	mean	NOUN
hi-38	173	2	,	,	PUNCT
hi-38	173	3	a	a	DET
hi-38	173	4	man	man	NOUN
hi-38	173	5	was	be	AUX
hi-38	173	6	born	bear	VERB
hi-38	173	7	weak	weak	ADJ
hi-38	173	8	in	in	ADP
hi-38	173	9	nature	nature	NOUN
hi-38	173	10	and	and	CCONJ
hi-38	173	11	always	always	ADV
hi-38	173	12	liable	liable	ADJ
hi-38	173	13	to	to	PART
hi-38	173	14	risk	risk	VERB
hi-38	173	15	.	.	PUNCT
hi-38	174	1	so	so	ADV
hi-38	174	2	she	she	PRON
hi-38	174	3	has	have	AUX
hi-38	174	4	conceived	conceive	VERB
hi-38	174	5	him	he	PRON
hi-38	174	6	,	,	PUNCT
hi-38	174	7	and	and	CCONJ
hi-38	174	8	she	she	PRON
hi-38	174	9	withdrew	withdraw	VERB
hi-38	174	10	with	with	ADP
hi-38	174	11	him	he	PRON
hi-38	174	12	to	to	ADP
hi-38	174	13	a	a	DET
hi-38	174	14	remote	remote	ADJ
hi-38	174	15	place	place	NOUN
hi-38	174	16	and	and	CCONJ
hi-38	174	17	the	the	DET
hi-38	174	18	pains	pain	NOUN
hi-38	174	19	of	of	ADP
hi-38	174	20	childbirth	childbirth	NOUN
hi-38	174	21	drove	drive	VERB
hi-38	174	22	her	she	PRON
hi-38	174	23	to	to	ADP
hi-38	174	24	the	the	DET
hi-38	174	25	trunk	trunk	NOUN
hi-38	174	26	of	of	ADP
hi-38	174	27	a	a	DET
hi-38	174	28	palm	palm	NOUN
hi-38	174	29	tree	tree	NOUN
hi-38	174	30	(	(	PUNCT
hi-38	174	31	surah	surah	PROPN
hi-38	174	32	maryam	maryam	PROPN
hi-38	174	33	verses:22	verses:22	PROPN
hi-38	174	34	-	-	PUNCT
hi-38	174	35	23	23	NUM
hi-38	174	36	)	)	PUNCT
hi-38	174	37	.	.	PUNCT
hi-38	175	1	the	the	DET
hi-38	175	2	issue	issue	NOUN
hi-38	175	3	of	of	ADP
hi-38	175	4	funding	fund	VERB
hi-38	175	5	liquidity	liquidity	NOUN
hi-38	175	6	risk	risk	NOUN
hi-38	175	7	in	in	ADP
hi-38	175	8	pakistan	pakistan	PROPN
hi-38	175	9	the	the	DET
hi-38	175	10	lr	lr	PROPN
hi-38	175	11	has	have	AUX
hi-38	175	12	emerged	emerge	VERB
hi-38	175	13	as	as	ADP
hi-38	175	14	a	a	DET
hi-38	175	15	significant	significant	ADJ
hi-38	175	16	and	and	CCONJ
hi-38	175	17	continuous	continuous	ADJ
hi-38	175	18	threat	threat	NOUN
hi-38	175	19	to	to	ADP
hi-38	175	20	the	the	DET
hi-38	175	21	smooth	smooth	ADJ
hi-38	175	22	functioning	functioning	NOUN
hi-38	175	23	of	of	ADP
hi-38	175	24	modern	modern	ADJ
hi-38	175	25	times	time	NOUN
hi-38	175	26	financial	financial	ADJ
hi-38	175	27	intermediaries	intermediary	NOUN
hi-38	175	28	thrift	thrift	NOUN
hi-38	175	29	institutions	institution	NOUN
hi-38	175	30	(	(	PUNCT
hi-38	175	31	aalbers	aalber	NOUN
hi-38	175	32	,	,	PUNCT
hi-38	175	33	2016	2016	NUM
hi-38	175	34	)	)	PUNCT
hi-38	175	35	.	.	PUNCT
hi-38	176	1	the	the	DET
hi-38	176	2	aftermath	aftermath	NOUN
hi-38	176	3	of	of	ADP
hi-38	176	4	subprime	subprime	ADJ
hi-38	176	5	crisis	crisis	NOUN
hi-38	176	6	has	have	AUX
hi-38	176	7	made	make	VERB
hi-38	176	8	it	it	PRON
hi-38	176	9	realized	realize	VERB
hi-38	176	10	to	to	ADP
hi-38	176	11	the	the	DET
hi-38	176	12	financial	financial	ADJ
hi-38	176	13	institutions	institution	NOUN
hi-38	176	14	,	,	PUNCT
hi-38	176	15	that	that	PRON
hi-38	176	16	to	to	PART
hi-38	176	17	avoid	avoid	VERB
hi-38	176	18	any	any	DET
hi-38	176	19	crisis	crisis	NOUN
hi-38	176	20	banks	bank	NOUN
hi-38	176	21	should	should	AUX
hi-38	176	22	maintain	maintain	VERB
hi-38	176	23	a	a	DET
hi-38	176	24	safety	safety	NOUN
hi-38	176	25	buffer	buffer	NOUN
hi-38	176	26	(	(	PUNCT
hi-38	176	27	duffie	duffie	NOUN
hi-38	176	28	,	,	PUNCT
hi-38	176	29	2019	2019	NUM
hi-38	176	30	)	)	PUNCT
hi-38	176	31	.	.	PUNCT
hi-38	177	1	however	however	ADV
hi-38	177	2	,	,	PUNCT
hi-38	177	3	the	the	DET
hi-38	177	4	level	level	NOUN
hi-38	177	5	of	of	ADP
hi-38	177	6	safety	safety	NOUN
hi-38	177	7	buffer	buffer	NOUN
hi-38	177	8	from	from	ADP
hi-38	177	9	both	both	CCONJ
hi-38	177	10	discretionary	discretionary	ADJ
hi-38	177	11	and	and	CCONJ
hi-38	177	12	compulsory	compulsory	ADJ
hi-38	177	13	(	(	PUNCT
hi-38	177	14	from	from	ADP
hi-38	177	15	regulators	regulator	NOUN
hi-38	177	16	)	)	PUNCT
hi-38	177	17	perspectives	perspective	NOUN
hi-38	177	18	is	be	AUX
hi-38	177	19	still	still	ADV
hi-38	177	20	an	an	DET
hi-38	177	21	unresolved	unresolved	ADJ
hi-38	177	22	mystery	mystery	NOUN
hi-38	177	23	.	.	PUNCT
hi-38	178	1	brunnermeier	brunnermei	ADJ
hi-38	178	2	,	,	PUNCT
hi-38	178	3	(	(	PUNCT
hi-38	178	4	2009	2009	NUM
hi-38	178	5	)	)	PUNCT
hi-38	178	6	argued	argue	VERB
hi-38	178	7	that	that	SCONJ
hi-38	178	8	,	,	PUNCT
hi-38	178	9	one	one	NUM
hi-38	178	10	of	of	ADP
hi-38	178	11	the	the	DET
hi-38	178	12	reasons	reason	NOUN
hi-38	178	13	of	of	ADP
hi-38	178	14	subprime	subprime	ADJ
hi-38	178	15	crisis	crisis	NOUN
hi-38	178	16	of	of	ADP
hi-38	178	17	2007	2007	NUM
hi-38	178	18	-	-	SYM
hi-38	178	19	2009	2009	NUM
hi-38	178	20	is	be	AUX
hi-38	178	21	poor	poor	ADJ
hi-38	178	22	liquidity	liquidity	NOUN
hi-38	178	23	management	management	NOUN
hi-38	178	24	.	.	PUNCT
hi-38	179	1	in	in	ADP
hi-38	179	2	an	an	DET
hi-38	179	3	effort	effort	NOUN
hi-38	179	4	of	of	ADP
hi-38	179	5	providing	provide	VERB
hi-38	179	6	support	support	NOUN
hi-38	179	7	to	to	ADP
hi-38	179	8	their	their	PRON
hi-38	179	9	argument	argument	NOUN
hi-38	179	10	,	,	PUNCT
hi-38	179	11	they	they	PRON
hi-38	179	12	found	find	VERB
hi-38	179	13	that	that	SCONJ
hi-38	179	14	,	,	PUNCT
hi-38	179	15	lr	lr	X
hi-38	179	16	through	through	ADP
hi-38	179	17	idiosyncratic	idiosyncratic	ADJ
hi-38	179	18	channels	channel	NOUN
hi-38	179	19	could	could	AUX
hi-38	179	20	lead	lead	VERB
hi-38	179	21	to	to	ADP
hi-38	179	22	bank	bank	NOUN
hi-38	179	23	failures	failure	NOUN
hi-38	179	24	.	.	PUNCT
hi-38	180	1	however	however	ADV
hi-38	180	2	,	,	PUNCT
hi-38	180	3	liquidity	liquidity	NOUN
hi-38	180	4	crisis	crisis	NOUN
hi-38	180	5	does	do	AUX
hi-38	180	6	not	not	PART
hi-38	180	7	only	only	ADV
hi-38	180	8	occur	occur	VERB
hi-38	180	9	from	from	ADP
hi-38	180	10	because	because	SCONJ
hi-38	180	11	of	of	ADP
hi-38	180	12	low	low	ADJ
hi-38	180	13	level	level	NOUN
hi-38	180	14	of	of	ADP
hi-38	180	15	liquidity	liquidity	NOUN
hi-38	180	16	rather	rather	ADV
hi-38	180	17	it	it	PRON
hi-38	180	18	can	can	AUX
hi-38	180	19	happen	happen	VERB
hi-38	180	20	by	by	ADP
hi-38	180	21	excessive	excessive	ADJ
hi-38	180	22	asset	asset	NOUN
hi-38	180	23	liquidity	liquidity	NOUN
hi-38	180	24	as	as	ADP
hi-38	180	25	according	accord	VERB
hi-38	180	26	to	to	ADP
hi-38	180	27	acharya	acharya	NOUN
hi-38	180	28	and	and	CCONJ
hi-38	180	29	naqvi	naqvi	NOUN
hi-38	180	30	(	(	PUNCT
hi-38	180	31	2012	2012	NUM
hi-38	180	32	)	)	PUNCT
hi-38	180	33	,	,	PUNCT
hi-38	180	34	the	the	DET
hi-38	180	35	high	high	ADJ
hi-38	180	36	liquidity	liquidity	NOUN
hi-38	180	37	level	level	NOUN
hi-38	180	38	of	of	ADP
hi-38	180	39	assets	asset	NOUN
hi-38	180	40	can	can	AUX
hi-38	180	41	incline	incline	VERB
hi-38	180	42	the	the	DET
hi-38	180	43	banks	bank	NOUN
hi-38	180	44	to	to	ADP
hi-38	180	45	excessive	excessive	ADJ
hi-38	180	46	risk	risk	NOUN
hi-38	180	47	taking	taking	NOUN
hi-38	180	48	which	which	PRON
hi-38	180	49	can	can	AUX
hi-38	180	50	also	also	ADV
hi-38	180	51	lead	lead	VERB
hi-38	180	52	to	to	ADP
hi-38	180	53	bank	bank	NOUN
hi-38	180	54	failure	failure	NOUN
hi-38	180	55	.	.	PUNCT
hi-38	181	1	according	accord	VERB
hi-38	181	2	to	to	ADP
hi-38	181	3	basel	basel	PROPN
hi-38	181	4	iii	iii	PROPN
hi-38	181	5	,	,	PUNCT
hi-38	181	6	it	it	PRON
hi-38	181	7	is	be	AUX
hi-38	181	8	mandatory	mandatory	ADJ
hi-38	181	9	for	for	SCONJ
hi-38	181	10	the	the	DET
hi-38	181	11	bank	bank	NOUN
hi-38	181	12	to	to	PART
hi-38	181	13	hold	hold	VERB
hi-38	181	14	the	the	DET
hi-38	181	15	minimum	minimum	NOUN
hi-38	181	16	amount	amount	NOUN
hi-38	181	17	of	of	ADP
hi-38	181	18	liquid	liquid	ADJ
hi-38	181	19	assets	asset	NOUN
hi-38	181	20	to	to	PART
hi-38	181	21	avoid	avoid	VERB
hi-38	181	22	any	any	DET
hi-38	181	23	crisis	crisis	NOUN
hi-38	181	24	situation	situation	NOUN
hi-38	181	25	.	.	PUNCT
hi-38	182	1	the	the	DET
hi-38	182	2	liquidity	liquidity	NOUN
hi-38	182	3	position	position	NOUN
hi-38	182	4	of	of	ADP
hi-38	182	5	banks	bank	NOUN
hi-38	182	6	in	in	ADP
hi-38	182	7	pakistan	pakistan	PROPN
hi-38	182	8	is	be	AUX
hi-38	182	9	weak	weak	ADJ
hi-38	182	10	(	(	PUNCT
hi-38	182	11	basheer	basheer	NOUN
hi-38	182	12	et	et	PROPN
hi-38	182	13	al	al	PROPN
hi-38	182	14	.	.	PROPN
hi-38	182	15	,	,	PUNCT
hi-38	182	16	2019	2019	NUM
hi-38	182	17	)	)	PUNCT
hi-38	182	18	as	as	SCONJ
hi-38	182	19	it	it	PRON
hi-38	182	20	is	be	AUX
hi-38	182	21	evident	evident	ADJ
hi-38	182	22	from	from	ADP
hi-38	182	23	the	the	DET
hi-38	182	24	figures	figure	NOUN
hi-38	182	25	below	below	ADP
hi-38	182	26	that	that	SCONJ
hi-38	182	27	the	the	DET
hi-38	182	28	percentage	percentage	NOUN
hi-38	182	29	of	of	ADP
hi-38	182	30	liquid	liquid	ADJ
hi-38	182	31	assets	asset	NOUN
hi-38	182	32	to	to	ADP
hi-38	182	33	total	total	ADJ
hi-38	182	34	assets	asset	NOUN
hi-38	182	35	has	have	AUX
hi-38	182	36	decreased	decrease	VERB
hi-38	182	37	significantly	significantly	ADV
hi-38	182	38	over	over	ADP
hi-38	182	39	the	the	DET
hi-38	182	40	period	period	NOUN
hi-38	182	41	of	of	ADP
hi-38	182	42	last	last	ADJ
hi-38	182	43	five	five	NUM
hi-38	182	44	years	year	NOUN
hi-38	182	45	(	(	PUNCT
hi-38	182	46	see	see	VERB
hi-38	182	47	figure	figure	NOUN
hi-38	182	48	1	1	NUM
hi-38	182	49	)	)	PUNCT
hi-38	182	50	.	.	PUNCT
hi-38	183	1	fig	fig	NOUN
hi-38	183	2	1	1	NUM
hi-38	183	3	:	:	PUNCT
hi-38	183	4	liquidity	liquidity	NOUN
hi-38	183	5	ratio	ratio	NOUN
hi-38	183	6	source	source	NOUN
hi-38	183	7	:	:	PUNCT
hi-38	183	8	bank	bank	PROPN
hi-38	183	9	’s	’s	PART
hi-38	183	10	audited	audit	VERB
hi-38	183	11	accounts	account	VERB
hi-38	183	12	hamdard	hamdard	ADJ
hi-38	183	13	islamicus	islamicus	NOUN
hi-38	183	14	vol	vol	NOUN
hi-38	183	15	.	.	PUNCT
hi-38	184	1	xliii	xliii	PROPN
hi-38	184	2	,	,	PUNCT
hi-38	184	3	no	no	INTJ
hi-38	184	4	.	.	NOUN
hi-38	184	5	1	1	NUM
hi-38	184	6	91	91	NUM
hi-38	184	7	bank	bank	NOUN
hi-38	184	8	explicit	explicit	ADJ
hi-38	184	9	liquidity	liquidity	NOUN
hi-38	184	10	or	or	CCONJ
hi-38	184	11	flr	flr	NOUN
hi-38	184	12	is	be	AUX
hi-38	184	13	very	very	ADV
hi-38	184	14	important	important	ADJ
hi-38	184	15	in	in	ADP
hi-38	184	16	the	the	DET
hi-38	184	17	setting	setting	NOUN
hi-38	184	18	of	of	ADP
hi-38	184	19	maturity	maturity	NOUN
hi-38	184	20	conversion	conversion	NOUN
hi-38	184	21	in	in	ADP
hi-38	184	22	the	the	DET
hi-38	184	23	banking	banking	NOUN
hi-38	184	24	record	record	NOUN
hi-38	184	25	,	,	PUNCT
hi-38	184	26	which	which	PRON
hi-38	184	27	consists	consist	VERB
hi-38	184	28	typically	typically	ADV
hi-38	184	29	of	of	ADP
hi-38	184	30	illiquid	illiquid	ADJ
hi-38	184	31	assets	asset	NOUN
hi-38	184	32	(	(	PUNCT
hi-38	184	33	vanhoose	vanhoose	VERB
hi-38	184	34	,	,	PUNCT
hi-38	184	35	2017	2017	NUM
hi-38	184	36	)	)	PUNCT
hi-38	184	37	.	.	PUNCT
hi-38	185	1	therefore	therefore	ADV
hi-38	185	2	,	,	PUNCT
hi-38	185	3	effective	effective	ADJ
hi-38	185	4	lr	lr	NOUN
hi-38	185	5	management	management	NOUN
hi-38	185	6	supports	support	VERB
hi-38	185	7	banks	bank	NOUN
hi-38	185	8	to	to	PART
hi-38	185	9	understand	understand	VERB
hi-38	185	10	the	the	DET
hi-38	185	11	requirements	requirement	NOUN
hi-38	185	12	for	for	ADP
hi-38	185	13	cash	cash	NOUN
hi-38	185	14	flow	flow	NOUN
hi-38	185	15	.	.	PUNCT
hi-38	186	1	lr	lr	NOUN
hi-38	186	2	management	management	NOUN
hi-38	186	3	is	be	AUX
hi-38	186	4	very	very	ADV
hi-38	186	5	vital	vital	ADJ
hi-38	186	6	because	because	SCONJ
hi-38	186	7	a	a	DET
hi-38	186	8	liquidity	liquidity	NOUN
hi-38	186	9	short	short	ADJ
hi-38	186	10	fall	fall	NOUN
hi-38	186	11	in	in	ADP
hi-38	186	12	a	a	DET
hi-38	186	13	financial	financial	ADJ
hi-38	186	14	institution	institution	NOUN
hi-38	186	15	can	can	AUX
hi-38	186	16	have	have	VERB
hi-38	186	17	a	a	DET
hi-38	186	18	multiplier	multipli	ADJ
hi-38	186	19	consequence	consequence	NOUN
hi-38	186	20	on	on	ADP
hi-38	186	21	the	the	DET
hi-38	186	22	whole	whole	ADJ
hi-38	186	23	economy	economy	NOUN
hi-38	186	24	and	and	CCONJ
hi-38	186	25	predominantly	predominantly	ADV
hi-38	186	26	on	on	ADP
hi-38	186	27	the	the	DET
hi-38	186	28	bank	bank	NOUN
hi-38	186	29	risk	risk	NOUN
hi-38	186	30	.	.	PUNCT
hi-38	187	1	the	the	DET
hi-38	187	2	deposit	deposit	NOUN
hi-38	187	3	to	to	PART
hi-38	187	4	asset	asset	NOUN
hi-38	187	5	ratio	ratio	NOUN
hi-38	187	6	has	have	AUX
hi-38	187	7	been	be	AUX
hi-38	187	8	argued	argue	VERB
hi-38	187	9	as	as	ADP
hi-38	187	10	the	the	DET
hi-38	187	11	proxy	proxy	NOUN
hi-38	187	12	of	of	ADP
hi-38	187	13	the	the	DET
hi-38	187	14	firm	firm	NOUN
hi-38	187	15	’s	’s	PART
hi-38	187	16	ability	ability	NOUN
hi-38	187	17	to	to	PART
hi-38	187	18	fund	fund	VERB
hi-38	187	19	lr	lr	X
hi-38	187	20	(	(	PUNCT
hi-38	187	21	khan	khan	PROPN
hi-38	187	22	et	et	PROPN
hi-38	187	23	al	al	PROPN
hi-38	187	24	.	.	PROPN
hi-38	187	25	,	,	PUNCT
hi-38	187	26	2017	2017	NUM
hi-38	187	27	)	)	PUNCT
hi-38	187	28	.	.	PUNCT
hi-38	188	1	in	in	ADP
hi-38	188	2	a	a	DET
hi-38	188	3	critical	critical	ADJ
hi-38	188	4	situation	situation	NOUN
hi-38	188	5	,	,	PUNCT
hi-38	188	6	deposits	deposit	NOUN
hi-38	188	7	provide	provide	VERB
hi-38	188	8	shield	shield	NOUN
hi-38	188	9	against	against	ADP
hi-38	188	10	lr	lr	NOUN
hi-38	188	11	by	by	ADP
hi-38	188	12	increasing	increase	VERB
hi-38	188	13	the	the	DET
hi-38	188	14	ability	ability	NOUN
hi-38	188	15	of	of	ADP
hi-38	188	16	bank	bank	NOUN
hi-38	188	17	of	of	ADP
hi-38	188	18	funding	fund	VERB
hi-38	188	19	its	its	PRON
hi-38	188	20	lr	lr	X
hi-38	188	21	(	(	PUNCT
hi-38	188	22	buch	buch	PROPN
hi-38	188	23	,	,	PUNCT
hi-38	188	24	&	&	CCONJ
hi-38	188	25	goldberg	goldberg	PROPN
hi-38	188	26	,	,	PUNCT
hi-38	188	27	2015	2015	NUM
hi-38	188	28	)	)	PUNCT
hi-38	188	29	.	.	PUNCT
hi-38	189	1	however	however	ADV
hi-38	189	2	,	,	PUNCT
hi-38	189	3	increasing	increase	VERB
hi-38	189	4	deposit	deposit	NOUN
hi-38	189	5	ratio	ratio	NOUN
hi-38	189	6	reduces	reduce	VERB
hi-38	189	7	the	the	DET
hi-38	189	8	market	market	NOUN
hi-38	189	9	discipline	discipline	NOUN
hi-38	189	10	which	which	PRON
hi-38	189	11	in	in	ADP
hi-38	189	12	turn	turn	NOUN
hi-38	189	13	accelerate	accelerate	VERB
hi-38	189	14	the	the	DET
hi-38	189	15	bank	bank	NOUN
hi-38	189	16	risk	risk	NOUN
hi-38	189	17	taking	taking	NOUN
hi-38	189	18	(	(	PUNCT
hi-38	189	19	dahir	dahir	PROPN
hi-38	189	20	et	et	PROPN
hi-38	189	21	al	al	PROPN
hi-38	189	22	.	.	PROPN
hi-38	189	23	,	,	PUNCT
hi-38	189	24	2018	2018	NUM
hi-38	189	25	;	;	PUNCT
hi-38	189	26	hassan	hassan	PROPN
hi-38	189	27	&	&	CCONJ
hi-38	189	28	aziz	aziz	PROPN
hi-38	189	29	,	,	PUNCT
hi-38	189	30	2019	2019	NUM
hi-38	189	31	)	)	PUNCT
hi-38	189	32	.	.	PUNCT
hi-38	190	1	meanwhile	meanwhile	ADV
hi-38	190	2	,	,	PUNCT
hi-38	190	3	it	it	PRON
hi-38	190	4	also	also	ADV
hi-38	190	5	triggers	trigger	VERB
hi-38	190	6	the	the	DET
hi-38	190	7	moral	moral	ADJ
hi-38	190	8	hazard	hazard	NOUN
hi-38	190	9	behavior	behavior	NOUN
hi-38	190	10	as	as	ADP
hi-38	190	11	high	high	ADJ
hi-38	190	12	deposit	deposit	NOUN
hi-38	190	13	level	level	NOUN
hi-38	190	14	,	,	PUNCT
hi-38	190	15	may	may	AUX
hi-38	190	16	incline	incline	VERB
hi-38	190	17	banks	bank	NOUN
hi-38	190	18	to	to	PART
hi-38	190	19	take	take	VERB
hi-38	190	20	excessive	excessive	ADJ
hi-38	190	21	risk	risk	NOUN
hi-38	190	22	taking	take	VERB
hi-38	190	23	as	as	SCONJ
hi-38	190	24	someone	someone	PRON
hi-38	190	25	else	else	ADV
hi-38	190	26	will	will	AUX
hi-38	190	27	be	be	AUX
hi-38	190	28	bearing	bear	VERB
hi-38	190	29	loss	loss	NOUN
hi-38	190	30	.	.	PUNCT
hi-38	191	1	according	accord	VERB
hi-38	191	2	to	to	ADP
hi-38	191	3	drehmann	drehmann	PROPN
hi-38	191	4	and	and	CCONJ
hi-38	191	5	nikolaou	nikolaou	NOUN
hi-38	191	6	(	(	PUNCT
hi-38	191	7	2013	2013	NUM
hi-38	191	8	)	)	PUNCT
hi-38	191	9	,	,	PUNCT
hi-38	191	10	deposit	deposit	NOUN
hi-38	191	11	insurance	insurance	NOUN
hi-38	191	12	acts	act	VERB
hi-38	191	13	like	like	ADP
hi-38	191	14	a	a	DET
hi-38	191	15	put	put	NOUN
hi-38	191	16	option	option	NOUN
hi-38	191	17	on	on	ADP
hi-38	191	18	the	the	DET
hi-38	191	19	banks	bank	NOUN
hi-38	191	20	assets	asset	NOUN
hi-38	191	21	and	and	CCONJ
hi-38	191	22	defines	define	VERB
hi-38	191	23	funding	fund	VERB
hi-38	191	24	lr	lr	NOUN
hi-38	191	25	as	as	ADP
hi-38	191	26	banks	bank	NOUN
hi-38	191	27	inability	inability	NOUN
hi-38	191	28	of	of	ADP
hi-38	191	29	settling	settle	VERB
hi-38	191	30	their	their	PRON
hi-38	191	31	obligation	obligation	NOUN
hi-38	191	32	.	.	PUNCT
hi-38	192	1	thus	thus	ADV
hi-38	192	2	,	,	PUNCT
hi-38	192	3	it	it	PRON
hi-38	192	4	can	can	AUX
hi-38	192	5	be	be	AUX
hi-38	192	6	argued	argue	VERB
hi-38	192	7	that	that	SCONJ
hi-38	192	8	the	the	DET
hi-38	192	9	lower	low	ADJ
hi-38	192	10	deposit	deposit	NOUN
hi-38	192	11	ratio	ratio	NOUN
hi-38	192	12	increases	increase	VERB
hi-38	192	13	the	the	DET
hi-38	192	14	bank	bank	NOUN
hi-38	192	15	funding	funding	NOUN
hi-38	192	16	lr	lr	X
hi-38	192	17	which	which	PRON
hi-38	192	18	in	in	ADP
hi-38	192	19	turn	turn	NOUN
hi-38	192	20	increases	increase	VERB
hi-38	192	21	bank	bank	NOUN
hi-38	192	22	risk	risk	NOUN
hi-38	192	23	.	.	PUNCT
hi-38	193	1	the	the	DET
hi-38	193	2	banking	banking	NOUN
hi-38	193	3	risk	risk	NOUN
hi-38	193	4	in	in	ADP
hi-38	193	5	pakistan	pakistan	PROPN
hi-38	193	6	banks	bank	NOUN
hi-38	193	7	is	be	AUX
hi-38	193	8	high	high	ADJ
hi-38	193	9	(	(	PUNCT
hi-38	193	10	basheer	basheer	NOUN
hi-38	193	11	et	et	PROPN
hi-38	193	12	al	al	PROPN
hi-38	193	13	.	.	PROPN
hi-38	193	14	,	,	PUNCT
hi-38	193	15	2019a	2019a	NUM
hi-38	193	16	)	)	PUNCT
hi-38	193	17	,	,	PUNCT
hi-38	193	18	and	and	CCONJ
hi-38	193	19	the	the	DET
hi-38	193	20	total	total	ADJ
hi-38	193	21	deposit	deposit	NOUN
hi-38	193	22	to	to	PART
hi-38	193	23	total	total	VERB
hi-38	193	24	asset	asset	NOUN
hi-38	193	25	ratio	ratio	NOUN
hi-38	193	26	which	which	PRON
hi-38	193	27	according	accord	VERB
hi-38	193	28	to	to	ADP
hi-38	193	29	khan	khan	PROPN
hi-38	193	30	et	et	PROPN
hi-38	193	31	al	al	PROPN
hi-38	193	32	.	.	PROPN
hi-38	194	1	(	(	PUNCT
hi-38	194	2	2017	2017	NUM
hi-38	194	3	)	)	PUNCT
hi-38	194	4	is	be	AUX
hi-38	194	5	the	the	DET
hi-38	194	6	proxy	proxy	NOUN
hi-38	194	7	of	of	ADP
hi-38	194	8	flr	flr	PROPN
hi-38	194	9	has	have	VERB
hi-38	194	10	a	a	DET
hi-38	194	11	significant	significant	ADJ
hi-38	194	12	impact	impact	NOUN
hi-38	194	13	on	on	ADP
hi-38	194	14	the	the	DET
hi-38	194	15	bank	bank	NOUN
hi-38	194	16	risktaking	risktake	VERB
hi-38	194	17	behavior	behavior	NOUN
hi-38	194	18	.	.	PUNCT
hi-38	195	1	according	accord	VERB
hi-38	195	2	to	to	ADP
hi-38	195	3	them	they	PRON
hi-38	195	4	the	the	DET
hi-38	195	5	banks	bank	NOUN
hi-38	195	6	with	with	ADP
hi-38	195	7	excessive	excessive	ADJ
hi-38	195	8	deposit	deposit	NOUN
hi-38	195	9	take	take	VERB
hi-38	195	10	more	more	ADJ
hi-38	195	11	risk	risk	NOUN
hi-38	195	12	which	which	PRON
hi-38	195	13	will	will	AUX
hi-38	195	14	lead	lead	VERB
hi-38	195	15	them	they	PRON
hi-38	195	16	towards	towards	ADP
hi-38	195	17	bank	bank	NOUN
hi-38	195	18	crisis	crisis	NOUN
hi-38	195	19	.	.	PUNCT
hi-38	196	1	in	in	ADP
hi-38	196	2	pakistan	pakistan	PROPN
hi-38	196	3	,	,	PUNCT
hi-38	196	4	the	the	DET
hi-38	196	5	funding	funding	NOUN
hi-38	196	6	lr	lr	NOUN
hi-38	196	7	ability	ability	NOUN
hi-38	196	8	of	of	ADP
hi-38	196	9	countries	country	NOUN
hi-38	196	10	is	be	AUX
hi-38	196	11	not	not	PART
hi-38	196	12	showing	show	VERB
hi-38	196	13	a	a	DET
hi-38	196	14	single	single	ADJ
hi-38	196	15	pattern	pattern	NOUN
hi-38	196	16	.	.	PUNCT
hi-38	197	1	the	the	DET
hi-38	197	2	deposit	deposit	NOUN
hi-38	197	3	ratio	ratio	NOUN
hi-38	197	4	indicates	indicate	VERB
hi-38	197	5	that	that	SCONJ
hi-38	197	6	the	the	DET
hi-38	197	7	banks	bank	NOUN
hi-38	197	8	in	in	ADP
hi-38	197	9	pakistan	pakistan	PROPN
hi-38	197	10	can	can	AUX
hi-38	197	11	face	face	VERB
hi-38	197	12	difficulties	difficulty	NOUN
hi-38	197	13	in	in	ADP
hi-38	197	14	managing	manage	VERB
hi-38	197	15	their	their	PRON
hi-38	197	16	liquidity	liquidity	NOUN
hi-38	197	17	issues	issue	NOUN
hi-38	197	18	,	,	PUNCT
hi-38	197	19	and	and	CCONJ
hi-38	197	20	ultimately	ultimately	ADV
hi-38	197	21	enhance	enhance	VERB
hi-38	197	22	the	the	DET
hi-38	197	23	bank	bank	NOUN
hi-38	197	24	risk	risk	NOUN
hi-38	197	25	.	.	PUNCT
hi-38	198	1	fig	fig	NOUN
hi-38	198	2	2	2	NUM
hi-38	198	3	:	:	PUNCT
hi-38	198	4	funding	funding	NOUN
hi-38	198	5	liquidty	liquidty	NOUN
hi-38	198	6	source	source	NOUN
hi-38	198	7	:	:	PUNCT
hi-38	198	8	bank	bank	PROPN
hi-38	198	9	’s	’s	PART
hi-38	198	10	audited	audit	VERB
hi-38	198	11	accounts	account	VERB
hi-38	198	12	92	92	NUM
hi-38	198	13	the	the	DET
hi-38	198	14	funding	funding	NOUN
hi-38	198	15	liquidity	liquidity	NOUN
hi-38	198	16	risk	risk	NOUN
hi-38	198	17	...	...	PUNCT
hi-38	199	1	funding	fund	VERB
hi-38	199	2	liquidity	liquidity	NOUN
hi-38	199	3	risk	risk	NOUN
hi-38	199	4	(	(	PUNCT
hi-38	199	5	flr	flr	PROPN
hi-38	199	6	)	)	PUNCT
hi-38	199	7	and	and	CCONJ
hi-38	199	8	bank	bank	NOUN
hi-38	199	9	risk	risk	NOUN
hi-38	199	10	recent	recent	ADJ
hi-38	199	11	banking	banking	NOUN
hi-38	199	12	crises	crisis	NOUN
hi-38	199	13	are	be	AUX
hi-38	199	14	major	major	ADJ
hi-38	199	15	risk	risk	NOUN
hi-38	199	16	factors	factor	NOUN
hi-38	199	17	caused	cause	VERB
hi-38	199	18	by	by	ADP
hi-38	199	19	the	the	DET
hi-38	199	20	funding	funding	NOUN
hi-38	199	21	of	of	ADP
hi-38	199	22	lr	lr	X
hi-38	199	23	(	(	PUNCT
hi-38	199	24	drehmann	drehmann	PROPN
hi-38	199	25	&	&	CCONJ
hi-38	199	26	nikolaou	nikolaou	PROPN
hi-38	199	27	,	,	PUNCT
hi-38	199	28	2013	2013	NUM
hi-38	199	29	)	)	PUNCT
hi-38	199	30	.	.	PUNCT
hi-38	200	1	to	to	PART
hi-38	200	2	assist	assist	VERB
hi-38	200	3	further	further	ADJ
hi-38	200	4	comprehension	comprehension	NOUN
hi-38	200	5	,	,	PUNCT
hi-38	200	6	the	the	DET
hi-38	200	7	terms	term	NOUN
hi-38	200	8	of	of	ADP
hi-38	200	9	flr	flr	PROPN
hi-38	200	10	,	,	PUNCT
hi-38	200	11	funding	funding	NOUN
hi-38	200	12	lr	lr	PROPN
hi-38	200	13	,	,	PUNCT
hi-38	200	14	liquidity	liquidity	NOUN
hi-38	200	15	creation	creation	NOUN
hi-38	200	16	and	and	CCONJ
hi-38	200	17	market	market	NOUN
hi-38	200	18	liquidity	liquidity	NOUN
hi-38	200	19	are	be	AUX
hi-38	200	20	firstly	firstly	ADV
hi-38	200	21	defined	define	VERB
hi-38	200	22	.	.	PUNCT
hi-38	201	1	flr	flr	PROPN
hi-38	201	2	refers	refer	VERB
hi-38	201	3	to	to	ADP
hi-38	201	4	how	how	SCONJ
hi-38	201	5	easy	easy	ADJ
hi-38	201	6	it	it	PRON
hi-38	201	7	is	be	AUX
hi-38	201	8	for	for	ADP
hi-38	201	9	an	an	DET
hi-38	201	10	institution	institution	NOUN
hi-38	201	11	to	to	PART
hi-38	201	12	attain	attain	VERB
hi-38	201	13	funding	funding	NOUN
hi-38	201	14	.	.	PUNCT
hi-38	202	1	it	it	PRON
hi-38	202	2	is	be	AUX
hi-38	202	3	also	also	ADV
hi-38	202	4	defined	define	VERB
hi-38	202	5	as	as	ADP
hi-38	202	6	the	the	DET
hi-38	202	7	ability	ability	NOUN
hi-38	202	8	to	to	PART
hi-38	202	9	obtain	obtain	VERB
hi-38	202	10	cash	cash	NOUN
hi-38	202	11	quickly	quickly	ADV
hi-38	202	12	.	.	PUNCT
hi-38	203	1	funding	fund	VERB
hi-38	203	2	lr	lr	NOUN
hi-38	203	3	on	on	ADP
hi-38	203	4	the	the	DET
hi-38	203	5	other	other	ADJ
hi-38	203	6	hand	hand	NOUN
hi-38	203	7	entails	entail	VERB
hi-38	203	8	the	the	DET
hi-38	203	9	institution	institution	NOUN
hi-38	203	10	’s	’s	PART
hi-38	203	11	incapability	incapability	NOUN
hi-38	203	12	of	of	ADP
hi-38	203	13	obtaining	obtain	VERB
hi-38	203	14	the	the	DET
hi-38	203	15	needed	need	VERB
hi-38	203	16	amount	amount	NOUN
hi-38	203	17	of	of	ADP
hi-38	203	18	funding	funding	NOUN
hi-38	203	19	;	;	PUNCT
hi-38	203	20	lr	lr	X
hi-38	203	21	is	be	AUX
hi-38	203	22	the	the	DET
hi-38	203	23	incapability	incapability	NOUN
hi-38	203	24	of	of	ADP
hi-38	203	25	financing	finance	VERB
hi-38	203	26	cash	cash	NOUN
hi-38	203	27	outflows	outflow	NOUN
hi-38	203	28	during	during	ADP
hi-38	203	29	certain	certain	ADJ
hi-38	203	30	periods	period	NOUN
hi-38	203	31	.	.	PUNCT
hi-38	204	1	funding	fund	VERB
hi-38	204	2	lr	lr	PROPN
hi-38	204	3	affects	affect	NOUN
hi-38	204	4	balance	balance	NOUN
hi-38	204	5	sheet	sheet	NOUN
hi-38	204	6	liability	liability	NOUN
hi-38	204	7	whilst	whilst	SCONJ
hi-38	204	8	lr	lr	NOUN
hi-38	204	9	entails	entail	VERB
hi-38	204	10	balance	balance	NOUN
hi-38	204	11	sheet	sheet	NOUN
hi-38	204	12	asset	asset	NOUN
hi-38	204	13	.	.	PUNCT
hi-38	205	1	brunnermeier	brunnermei	ADJ
hi-38	205	2	and	and	CCONJ
hi-38	205	3	pedersen	pedersen	PROPN
hi-38	205	4	(	(	PUNCT
hi-38	205	5	2009	2009	NUM
hi-38	205	6	)	)	PUNCT
hi-38	205	7	delineated	delineate	VERB
hi-38	205	8	between	between	ADP
hi-38	205	9	market	market	NOUN
hi-38	205	10	liquidity	liquidity	NOUN
hi-38	205	11	and	and	CCONJ
hi-38	205	12	flr	flr	NOUN
hi-38	205	13	and	and	CCONJ
hi-38	205	14	showed	show	VERB
hi-38	205	15	their	their	PRON
hi-38	205	16	correlation	correlation	NOUN
hi-38	205	17	.	.	PUNCT
hi-38	206	1	market	market	NOUN
hi-38	206	2	liquidity	liquidity	NOUN
hi-38	206	3	entails	entail	VERB
hi-38	206	4	the	the	DET
hi-38	206	5	cost	cost	NOUN
hi-38	206	6	involved	involve	VERB
hi-38	206	7	in	in	ADP
hi-38	206	8	selling	sell	VERB
hi-38	206	9	assets	asset	NOUN
hi-38	206	10	.	.	PUNCT
hi-38	207	1	market	market	NOUN
hi-38	207	2	liquidity	liquidity	NOUN
hi-38	207	3	rises	rise	VERB
hi-38	207	4	when	when	SCONJ
hi-38	207	5	assets	asset	NOUN
hi-38	207	6	can	can	AUX
hi-38	207	7	be	be	AUX
hi-38	207	8	sold	sell	VERB
hi-38	207	9	quickly	quickly	ADV
hi-38	207	10	by	by	ADP
hi-38	207	11	an	an	DET
hi-38	207	12	intermediary	intermediary	ADJ
hi-38	207	13	agent	agent	NOUN
hi-38	207	14	with	with	ADP
hi-38	207	15	approximate	approximate	ADJ
hi-38	207	16	prices	price	NOUN
hi-38	207	17	and	and	CCONJ
hi-38	207	18	low	low	ADJ
hi-38	207	19	transaction	transaction	NOUN
hi-38	207	20	costs	cost	NOUN
hi-38	207	21	.	.	PUNCT
hi-38	208	1	liquidity	liquidity	NOUN
hi-38	208	2	creation	creation	NOUN
hi-38	208	3	is	be	AUX
hi-38	208	4	a	a	DET
hi-38	208	5	long	long	ADV
hi-38	208	6	-	-	PUNCT
hi-38	208	7	held	hold	VERB
hi-38	208	8	concept	concept	NOUN
hi-38	208	9	which	which	PRON
hi-38	208	10	entails	entail	VERB
hi-38	208	11	financing	financing	NOUN
hi-38	208	12	provision	provision	NOUN
hi-38	208	13	to	to	ADP
hi-38	208	14	the	the	DET
hi-38	208	15	real	real	ADJ
hi-38	208	16	economy	economy	NOUN
hi-38	208	17	.	.	PUNCT
hi-38	209	1	through	through	ADP
hi-38	209	2	it	it	PRON
hi-38	209	3	,	,	PUNCT
hi-38	209	4	banks	bank	NOUN
hi-38	209	5	can	can	AUX
hi-38	209	6	create	create	VERB
hi-38	209	7	on	on	ADP
hi-38	209	8	and	and	CCONJ
hi-38	209	9	offbalance	offbalance	NOUN
hi-38	209	10	sheet	sheet	NOUN
hi-38	209	11	liquidity	liquidity	NOUN
hi-38	209	12	which	which	PRON
hi-38	209	13	was	be	AUX
hi-38	209	14	theoretically	theoretically	ADV
hi-38	209	15	suggested	suggest	VERB
hi-38	209	16	by	by	ADP
hi-38	209	17	diamond	diamond	NOUN
hi-38	209	18	and	and	CCONJ
hi-38	209	19	dybvig	dybvig	NOUN
hi-38	209	20	(	(	PUNCT
hi-38	209	21	1983	1983	NUM
hi-38	209	22	)	)	PUNCT
hi-38	209	23	after	after	ADP
hi-38	209	24	observing	observe	VERB
hi-38	209	25	that	that	SCONJ
hi-38	209	26	the	the	DET
hi-38	209	27	balance	balance	NOUN
hi-38	209	28	sheet	sheet	NOUN
hi-38	209	29	asset	asset	NOUN
hi-38	209	30	of	of	ADP
hi-38	209	31	banks	bank	NOUN
hi-38	209	32	is	be	AUX
hi-38	209	33	inactive	inactive	ADJ
hi-38	209	34	.	.	PUNCT
hi-38	210	1	it	it	PRON
hi-38	210	2	is	be	AUX
hi-38	210	3	theorized	theorize	VERB
hi-38	210	4	that	that	SCONJ
hi-38	210	5	liquidity	liquidity	NOUN
hi-38	210	6	creation	creation	NOUN
hi-38	210	7	is	be	AUX
hi-38	210	8	only	only	ADV
hi-38	210	9	possible	possible	ADJ
hi-38	210	10	via	via	ADP
hi-38	210	11	balance	balance	NOUN
hi-38	210	12	sheet	sheet	NOUN
hi-38	210	13	liability	liability	NOUN
hi-38	210	14	.	.	PUNCT
hi-38	211	1	liquidity	liquidity	NOUN
hi-38	211	2	creation	creation	NOUN
hi-38	211	3	allows	allow	VERB
hi-38	211	4	for	for	ADP
hi-38	211	5	risk	risk	NOUN
hi-38	211	6	sharing	sharing	NOUN
hi-38	211	7	between	between	ADP
hi-38	211	8	depositors	depositor	NOUN
hi-38	211	9	and	and	CCONJ
hi-38	211	10	banks	bank	NOUN
hi-38	211	11	as	as	SCONJ
hi-38	211	12	they	they	PRON
hi-38	211	13	avert	avert	VERB
hi-38	211	14	uncertainties	uncertainty	NOUN
hi-38	211	15	with	with	ADP
hi-38	211	16	the	the	DET
hi-38	211	17	depositors	depositor	NOUN
hi-38	211	18	’	’	PART
hi-38	211	19	preference	preference	NOUN
hi-38	211	20	for	for	ADP
hi-38	211	21	the	the	DET
hi-38	211	22	consumption	consumption	NOUN
hi-38	211	23	timing	timing	NOUN
hi-38	211	24	;	;	PUNCT
hi-38	211	25	in	in	ADP
hi-38	211	26	short	short	ADJ
hi-38	211	27	,	,	PUNCT
hi-38	211	28	banks	bank	NOUN
hi-38	211	29	allow	allow	VERB
hi-38	211	30	them	they	PRON
hi-38	211	31	to	to	PART
hi-38	211	32	make	make	VERB
hi-38	211	33	simple	simple	ADJ
hi-38	211	34	investments	investment	NOUN
hi-38	211	35	with	with	ADP
hi-38	211	36	prearranged	prearrange	VERB
hi-38	211	37	profits	profit	NOUN
hi-38	211	38	.	.	PUNCT
hi-38	212	1	the	the	DET
hi-38	212	2	depositors	depositor	NOUN
hi-38	212	3	are	be	AUX
hi-38	212	4	allowed	allow	VERB
hi-38	212	5	to	to	PART
hi-38	212	6	make	make	VERB
hi-38	212	7	withdrawals	withdrawal	NOUN
hi-38	212	8	at	at	ADP
hi-38	212	9	any	any	DET
hi-38	212	10	time	time	NOUN
hi-38	212	11	.	.	PUNCT
hi-38	213	1	another	another	DET
hi-38	213	2	theoretical	theoretical	ADJ
hi-38	213	3	argument	argument	NOUN
hi-38	213	4	suggests	suggest	VERB
hi-38	213	5	that	that	SCONJ
hi-38	213	6	liquidity	liquidity	NOUN
hi-38	213	7	creation	creation	NOUN
hi-38	213	8	is	be	AUX
hi-38	213	9	possible	possible	ADJ
hi-38	213	10	on	on	ADP
hi-38	213	11	both	both	CCONJ
hi-38	213	12	the	the	DET
hi-38	213	13	balance	balance	NOUN
hi-38	213	14	sheet	sheet	NOUN
hi-38	213	15	’s	’s	PART
hi-38	213	16	sides	side	NOUN
hi-38	213	17	i.e.	i.e.	X
hi-38	213	18	asset	asset	NOUN
hi-38	213	19	and	and	CCONJ
hi-38	213	20	liquidity	liquidity	NOUN
hi-38	213	21	(	(	PUNCT
hi-38	213	22	berger	berger	PROPN
hi-38	213	23	&	&	CCONJ
hi-38	213	24	bouwman	bouwman	PROPN
hi-38	213	25	,	,	PUNCT
hi-38	213	26	2009	2009	NUM
hi-38	213	27	)	)	PUNCT
hi-38	213	28	.	.	PUNCT
hi-38	214	1	banks	bank	NOUN
hi-38	214	2	that	that	PRON
hi-38	214	3	are	be	AUX
hi-38	214	4	active	active	ADJ
hi-38	214	5	have	have	VERB
hi-38	214	6	more	more	ADJ
hi-38	214	7	ability	ability	NOUN
hi-38	214	8	to	to	PART
hi-38	214	9	convert	convert	VERB
hi-38	214	10	illiquid	illiquid	ADJ
hi-38	214	11	assets	asset	NOUN
hi-38	214	12	to	to	ADP
hi-38	214	13	liquid	liquid	ADJ
hi-38	214	14	assets	asset	NOUN
hi-38	214	15	;	;	PUNCT
hi-38	214	16	hence	hence	ADV
hi-38	214	17	,	,	PUNCT
hi-38	214	18	liquidity	liquidity	NOUN
hi-38	214	19	creation	creation	NOUN
hi-38	214	20	can	can	AUX
hi-38	214	21	be	be	AUX
hi-38	214	22	generated	generate	VERB
hi-38	214	23	on	on	ADP
hi-38	214	24	the	the	DET
hi-38	214	25	balance	balance	NOUN
hi-38	214	26	sheet	sheet	NOUN
hi-38	214	27	asset	asset	NOUN
hi-38	214	28	.	.	PUNCT
hi-38	215	1	according	accord	VERB
hi-38	215	2	to	to	ADP
hi-38	215	3	umar	umar	PROPN
hi-38	215	4	and	and	CCONJ
hi-38	215	5	sun	sun	PROPN
hi-38	215	6	(	(	PUNCT
hi-38	215	7	2016	2016	NUM
hi-38	215	8	)	)	PUNCT
hi-38	215	9	,	,	PUNCT
hi-38	215	10	studies	study	NOUN
hi-38	215	11	on	on	ADP
hi-38	215	12	liquidity	liquidity	NOUN
hi-38	215	13	are	be	AUX
hi-38	215	14	largely	largely	ADV
hi-38	215	15	qualitative	qualitative	ADJ
hi-38	215	16	save	save	NOUN
hi-38	215	17	for	for	ADP
hi-38	215	18	theirs	theirs	PRON
hi-38	215	19	which	which	PRON
hi-38	215	20	had	have	AUX
hi-38	215	21	explicitly	explicitly	ADV
hi-38	215	22	defined	define	VERB
hi-38	215	23	flr	flr	PROPN
hi-38	215	24	,	,	PUNCT
hi-38	215	25	liquidity	liquidity	NOUN
hi-38	215	26	creation	creation	NOUN
hi-38	215	27	,	,	PUNCT
hi-38	215	28	and	and	CCONJ
hi-38	215	29	stock	stock	NOUN
hi-38	215	30	liquidity	liquidity	NOUN
hi-38	215	31	(	(	PUNCT
hi-38	215	32	or	or	CCONJ
hi-38	215	33	bank	bank	NOUN
hi-38	215	34	liquidity	liquidity	NOUN
hi-38	215	35	)	)	PUNCT
hi-38	215	36	.	.	PUNCT
hi-38	216	1	the	the	DET
hi-38	216	2	authors	author	NOUN
hi-38	216	3	used	use	VERB
hi-38	216	4	the	the	DET
hi-38	216	5	net	net	ADJ
hi-38	216	6	stable	stable	ADJ
hi-38	216	7	funding	funding	NOUN
hi-38	216	8	ratio	ratio	NOUN
hi-38	216	9	or	or	CCONJ
hi-38	216	10	nsfr	nsfr	ADJ
hi-38	216	11	(	(	PUNCT
hi-38	216	12	netstable	netstable	ADJ
hi-38	216	13	funding	funding	NOUN
hi-38	216	14	ratio	ratio	NOUN
hi-38	216	15	)	)	PUNCT
hi-38	216	16	to	to	PART
hi-38	216	17	represent	represent	VERB
hi-38	216	18	flr	flr	NOUN
hi-38	216	19	whilst	whilst	SCONJ
hi-38	216	20	stock	stock	NOUN
hi-38	216	21	liquidity	liquidity	NOUN
hi-38	216	22	serves	serve	VERB
hi-38	216	23	as	as	ADP
hi-38	216	24	the	the	DET
hi-38	216	25	representative	representative	NOUN
hi-38	216	26	of	of	ADP
hi-38	216	27	stock	stock	NOUN
hi-38	216	28	illiquidity	illiquidity	NOUN
hi-38	216	29	.	.	PUNCT
hi-38	217	1	they	they	PRON
hi-38	217	2	also	also	ADV
hi-38	217	3	applied	apply	VERB
hi-38	217	4	the	the	DET
hi-38	217	5	equations	equation	NOUN
hi-38	217	6	model	model	NOUN
hi-38	217	7	and	and	CCONJ
hi-38	217	8	the	the	DET
hi-38	217	9	threestage	threestage	NOUN
hi-38	217	10	least	least	ADJ
hi-38	217	11	-	-	PUNCT
hi-38	217	12	square	square	NOUN
hi-38	217	13	estimations	estimation	NOUN
hi-38	217	14	concurrently	concurrently	ADV
hi-38	217	15	in	in	ADP
hi-38	217	16	examining	examine	VERB
hi-38	217	17	188	188	NUM
hi-38	217	18	banks	bank	NOUN
hi-38	217	19	operating	operate	VERB
hi-38	217	20	in	in	ADP
hi-38	217	21	brics	bric	NOUN
hi-38	217	22	(	(	PUNCT
hi-38	217	23	an	an	DET
hi-38	217	24	acronym	acronym	NOUN
hi-38	217	25	of	of	ADP
hi-38	217	26	brazil	brazil	PROPN
hi-38	217	27	,	,	PUNCT
hi-38	217	28	russia	russia	PROPN
hi-38	217	29	,	,	PUNCT
hi-38	217	30	india	india	PROPN
hi-38	217	31	,	,	PUNCT
hi-38	217	32	china	china	PROPN
hi-38	217	33	and	and	CCONJ
hi-38	217	34	south	south	PROPN
hi-38	217	35	africa	africa	PROPN
hi-38	217	36	)	)	PUNCT
hi-38	217	37	between	between	ADP
hi-38	217	38	2007	2007	NUM
hi-38	217	39	and	and	CCONJ
hi-38	217	40	2014	2014	NUM
hi-38	217	41	.	.	PUNCT
hi-38	218	1	the	the	DET
hi-38	218	2	findings	finding	NOUN
hi-38	218	3	revealed	reveal	VERB
hi-38	218	4	that	that	SCONJ
hi-38	218	5	liquidity	liquidity	NOUN
hi-38	218	6	creation	creation	NOUN
hi-38	218	7	significantly	significantly	ADV
hi-38	218	8	and	and	CCONJ
hi-38	218	9	negatively	negatively	ADV
hi-38	218	10	affects	affect	VERB
hi-38	218	11	flr	flr	NOUN
hi-38	218	12	i.e.	i.e.	X
hi-38	218	13	when	when	SCONJ
hi-38	218	14	liquidity	liquidity	NOUN
hi-38	218	15	creation	creation	NOUN
hi-38	218	16	hamdard	hamdard	NOUN
hi-38	218	17	islamicus	islamicus	NOUN
hi-38	218	18	vol	vol	NOUN
hi-38	218	19	.	.	PUNCT
hi-38	219	1	xliii	xliii	PROPN
hi-38	219	2	,	,	PUNCT
hi-38	219	3	no	no	INTJ
hi-38	219	4	.	.	NOUN
hi-38	219	5	1	1	NUM
hi-38	219	6	93	93	NUM
hi-38	219	7	increases	increase	NOUN
hi-38	219	8	,	,	PUNCT
hi-38	219	9	flr	flr	NOUN
hi-38	219	10	decreases	decrease	VERB
hi-38	219	11	.	.	PUNCT
hi-38	220	1	meanwhile	meanwhile	ADV
hi-38	220	2	,	,	PUNCT
hi-38	220	3	flr	flr	PROPN
hi-38	220	4	has	have	VERB
hi-38	220	5	no	no	DET
hi-38	220	6	effect	effect	NOUN
hi-38	220	7	on	on	ADP
hi-38	220	8	liquidity	liquidity	NOUN
hi-38	220	9	creation	creation	NOUN
hi-38	220	10	.	.	PUNCT
hi-38	221	1	the	the	DET
hi-38	221	2	findings	finding	NOUN
hi-38	221	3	also	also	ADV
hi-38	221	4	revealed	reveal	VERB
hi-38	221	5	that	that	SCONJ
hi-38	221	6	an	an	DET
hi-38	221	7	increase	increase	NOUN
hi-38	221	8	in	in	ADP
hi-38	221	9	stock	stock	NOUN
hi-38	221	10	liquidity	liquidity	NOUN
hi-38	221	11	would	would	AUX
hi-38	221	12	negatively	negatively	ADV
hi-38	221	13	affect	affect	VERB
hi-38	221	14	liquidity	liquidity	NOUN
hi-38	221	15	creation	creation	NOUN
hi-38	221	16	;	;	PUNCT
hi-38	221	17	in	in	ADP
hi-38	221	18	short	short	ADJ
hi-38	221	19	,	,	PUNCT
hi-38	221	20	when	when	SCONJ
hi-38	221	21	stock	stock	NOUN
hi-38	221	22	illiquidity	illiquidity	NOUN
hi-38	221	23	increases	increase	NOUN
hi-38	221	24	,	,	PUNCT
hi-38	221	25	liquidity	liquidity	NOUN
hi-38	221	26	creation	creation	NOUN
hi-38	221	27	increases	increase	VERB
hi-38	221	28	as	as	ADV
hi-38	221	29	well	well	ADV
hi-38	221	30	.	.	PUNCT
hi-38	222	1	however	however	ADV
hi-38	222	2	,	,	PUNCT
hi-38	222	3	stock	stock	NOUN
hi-38	222	4	liquidity	liquidity	NOUN
hi-38	222	5	variation	variation	NOUN
hi-38	222	6	is	be	AUX
hi-38	222	7	not	not	PART
hi-38	222	8	measurable	measurable	ADJ
hi-38	222	9	by	by	ADP
hi-38	222	10	liquidity	liquidity	NOUN
hi-38	222	11	creation	creation	NOUN
hi-38	222	12	variation	variation	NOUN
hi-38	222	13	.	.	PUNCT
hi-38	223	1	that	that	PRON
hi-38	223	2	being	be	AUX
hi-38	223	3	said	say	VERB
hi-38	223	4	,	,	PUNCT
hi-38	223	5	stock	stock	NOUN
hi-38	223	6	liquidity	liquidity	NOUN
hi-38	223	7	has	have	VERB
hi-38	223	8	a	a	DET
hi-38	223	9	direct	direct	ADJ
hi-38	223	10	effect	effect	NOUN
hi-38	223	11	on	on	ADP
hi-38	223	12	flr	flr	PROPN
hi-38	223	13	,	,	PUNCT
hi-38	223	14	although	although	SCONJ
hi-38	223	15	stock	stock	NOUN
hi-38	223	16	liquidity	liquidity	NOUN
hi-38	223	17	can	can	AUX
hi-38	223	18	affect	affect	VERB
hi-38	223	19	flr	flr	NOUN
hi-38	223	20	via	via	ADP
hi-38	223	21	liquidity	liquidity	NOUN
hi-38	223	22	creation	creation	NOUN
hi-38	223	23	.	.	PUNCT
hi-38	224	1	according	accord	VERB
hi-38	224	2	to	to	ADP
hi-38	224	3	khan	khan	PROPN
hi-38	224	4	et	et	PROPN
hi-38	224	5	al	al	PROPN
hi-38	224	6	.	.	PROPN
hi-38	225	1	(	(	PUNCT
hi-38	225	2	2017	2017	NUM
hi-38	225	3	)	)	PUNCT
hi-38	225	4	,	,	PUNCT
hi-38	225	5	the	the	DET
hi-38	225	6	bank	bank	NOUN
hi-38	225	7	lr	lr	VERB
hi-38	225	8	in	in	ADP
hi-38	225	9	the	the	DET
hi-38	225	10	form	form	NOUN
hi-38	225	11	of	of	ADP
hi-38	225	12	inability	inability	NOUN
hi-38	225	13	of	of	ADP
hi-38	225	14	the	the	DET
hi-38	225	15	institutions	institution	NOUN
hi-38	225	16	in	in	ADP
hi-38	225	17	meeting	meet	VERB
hi-38	225	18	liquidity	liquidity	NOUN
hi-38	225	19	requirements	requirement	NOUN
hi-38	225	20	(	(	PUNCT
hi-38	225	21	funding	funding	NOUN
hi-38	225	22	lr	lr	NOUN
hi-38	225	23	)	)	PUNCT
hi-38	225	24	,	,	PUNCT
hi-38	225	25	has	have	AUX
hi-38	225	26	played	play	VERB
hi-38	225	27	a	a	DET
hi-38	225	28	key	key	ADJ
hi-38	225	29	role	role	NOUN
hi-38	225	30	in	in	ADP
hi-38	225	31	all	all	DET
hi-38	225	32	banking	banking	NOUN
hi-38	225	33	crises	crisis	NOUN
hi-38	225	34	and	and	CCONJ
hi-38	225	35	especially	especially	ADV
hi-38	225	36	in	in	ADP
hi-38	225	37	the	the	DET
hi-38	225	38	recent	recent	ADJ
hi-38	225	39	episode	episode	NOUN
hi-38	225	40	of	of	ADP
hi-38	225	41	global	global	ADJ
hi-38	225	42	financial	financial	ADJ
hi-38	225	43	crisis	crisis	NOUN
hi-38	225	44	which	which	PRON
hi-38	225	45	is	be	AUX
hi-38	225	46	known	know	VERB
hi-38	225	47	as	as	ADP
hi-38	225	48	the	the	DET
hi-38	225	49	subprime	subprime	ADJ
hi-38	225	50	crisis	crisis	NOUN
hi-38	225	51	.	.	PUNCT
hi-38	226	1	recently	recently	ADV
hi-38	226	2	dahir	dahir	VERB
hi-38	226	3	et	et	PROPN
hi-38	226	4	al	al	PROPN
hi-38	226	5	.	.	PROPN
hi-38	227	1	(	(	PUNCT
hi-38	227	2	2018	2018	NUM
hi-38	227	3	)	)	PUNCT
hi-38	227	4	also	also	ADV
hi-38	227	5	shown	show	VERB
hi-38	227	6	consistency	consistency	NOUN
hi-38	227	7	with	with	ADP
hi-38	227	8	the	the	DET
hi-38	227	9	khan	khan	PROPN
hi-38	227	10	et	et	PROPN
hi-38	227	11	al	al	PROPN
hi-38	227	12	.	.	PROPN
hi-38	228	1	(	(	PUNCT
hi-38	228	2	2017	2017	NUM
hi-38	228	3	)	)	PUNCT
hi-38	228	4	,	,	PUNCT
hi-38	228	5	argue	argue	VERB
hi-38	228	6	that	that	SCONJ
hi-38	228	7	the	the	DET
hi-38	228	8	lr	lr	NOUN
hi-38	228	9	offers	offer	VERB
hi-38	228	10	a	a	DET
hi-38	228	11	significant	significant	ADJ
hi-38	228	12	and	and	CCONJ
hi-38	228	13	constant	constant	ADJ
hi-38	228	14	threat	threat	NOUN
hi-38	228	15	to	to	ADP
hi-38	228	16	the	the	DET
hi-38	228	17	smooth	smooth	ADJ
hi-38	228	18	functioning	functioning	NOUN
hi-38	228	19	and	and	CCONJ
hi-38	228	20	stability	stability	NOUN
hi-38	228	21	of	of	ADP
hi-38	228	22	financial	financial	ADJ
hi-38	228	23	institutions	institution	NOUN
hi-38	228	24	.	.	PUNCT
hi-38	229	1	similarly	similarly	ADV
hi-38	229	2	,	,	PUNCT
hi-38	229	3	many	many	ADJ
hi-38	229	4	notable	notable	ADJ
hi-38	229	5	prior	prior	ADJ
hi-38	229	6	researchers	researcher	NOUN
hi-38	229	7	(	(	PUNCT
hi-38	229	8	hong	hong	PROPN
hi-38	229	9	et	et	PROPN
hi-38	229	10	al	al	PROPN
hi-38	229	11	.	.	PROPN
hi-38	229	12	,	,	PUNCT
hi-38	229	13	2014	2014	NUM
hi-38	229	14	)	)	PUNCT
hi-38	229	15	argued	argue	VERB
hi-38	229	16	that	that	SCONJ
hi-38	229	17	the	the	DET
hi-38	229	18	lr	lr	NOUN
hi-38	229	19	is	be	AUX
hi-38	229	20	a	a	DET
hi-38	229	21	significant	significant	ADJ
hi-38	229	22	determinant	determinant	NOUN
hi-38	229	23	of	of	ADP
hi-38	229	24	bank	bank	NOUN
hi-38	229	25	overall	overall	ADJ
hi-38	229	26	risk	risk	NOUN
hi-38	229	27	.	.	PUNCT
hi-38	230	1	drehmann	drehmann	PROPN
hi-38	230	2	and	and	CCONJ
hi-38	230	3	nikolaou	nikolaou	NOUN
hi-38	230	4	(	(	PUNCT
hi-38	230	5	2013	2013	NUM
hi-38	230	6	)	)	PUNCT
hi-38	231	1	,	,	PUNCT
hi-38	231	2	defined	define	VERB
hi-38	231	3	the	the	DET
hi-38	231	4	funding	funding	NOUN
hi-38	231	5	lr	lr	NOUN
hi-38	231	6	is	be	AUX
hi-38	231	7	banks	bank	NOUN
hi-38	231	8	inability	inability	NOUN
hi-38	231	9	of	of	ADP
hi-38	231	10	settling	settle	VERB
hi-38	231	11	obligation	obligation	NOUN
hi-38	231	12	and	and	CCONJ
hi-38	231	13	measured	measure	VERB
hi-38	231	14	it	it	PRON
hi-38	231	15	as	as	ADP
hi-38	231	16	bank	bank	NOUN
hi-38	231	17	’s	’s	PART
hi-38	231	18	aggressive	aggressive	ADJ
hi-38	231	19	bidding	bidding	NOUN
hi-38	231	20	at	at	ADP
hi-38	231	21	central	central	ADJ
hi-38	231	22	bank	bank	NOUN
hi-38	231	23	to	to	PART
hi-38	231	24	secure	secure	VERB
hi-38	231	25	liquidity	liquidity	NOUN
hi-38	231	26	.	.	PUNCT
hi-38	232	1	they	they	PRON
hi-38	232	2	also	also	ADV
hi-38	232	3	found	find	VERB
hi-38	232	4	significant	significant	ADJ
hi-38	232	5	relationship	relationship	NOUN
hi-38	232	6	between	between	ADP
hi-38	232	7	flr	flr	NOUN
hi-38	232	8	and	and	CCONJ
hi-38	232	9	bank	bank	NOUN
hi-38	232	10	risk	risk	NOUN
hi-38	232	11	.	.	PUNCT
hi-38	233	1	the	the	DET
hi-38	233	2	level	level	NOUN
hi-38	233	3	of	of	ADP
hi-38	233	4	flr	flr	PROPN
hi-38	233	5	fluctuates	fluctuate	NOUN
hi-38	233	6	over	over	ADP
hi-38	233	7	time	time	NOUN
hi-38	233	8	;	;	PUNCT
hi-38	233	9	high	high	ADJ
hi-38	233	10	liquidity	liquidity	NOUN
hi-38	233	11	levels	level	NOUN
hi-38	233	12	may	may	AUX
hi-38	233	13	cause	cause	VERB
hi-38	233	14	financial	financial	ADJ
hi-38	233	15	crises	crisis	NOUN
hi-38	233	16	.	.	PUNCT
hi-38	234	1	hong	hong	PROPN
hi-38	234	2	et	et	PROPN
hi-38	234	3	al	al	PROPN
hi-38	234	4	.	.	PROPN
hi-38	235	1	(	(	PUNCT
hi-38	235	2	2014	2014	NUM
hi-38	235	3	)	)	PUNCT
hi-38	235	4	stated	state	VERB
hi-38	235	5	that	that	SCONJ
hi-38	235	6	excess	excess	ADJ
hi-38	235	7	capacity	capacity	NOUN
hi-38	235	8	from	from	ADP
hi-38	235	9	balance	balance	NOUN
hi-38	235	10	sheet	sheet	NOUN
hi-38	235	11	growth	growth	NOUN
hi-38	235	12	can	can	AUX
hi-38	235	13	be	be	AUX
hi-38	235	14	utilized	utilize	VERB
hi-38	235	15	by	by	ADP
hi-38	235	16	having	have	VERB
hi-38	235	17	the	the	DET
hi-38	235	18	financial	financial	ADJ
hi-38	235	19	intermediaries	intermediary	NOUN
hi-38	235	20	search	search	VERB
hi-38	235	21	for	for	ADP
hi-38	235	22	prospective	prospective	ADJ
hi-38	235	23	borrowers	borrower	NOUN
hi-38	235	24	including	include	VERB
hi-38	235	25	those	those	PRON
hi-38	235	26	that	that	PRON
hi-38	235	27	have	have	VERB
hi-38	235	28	no	no	DET
hi-38	235	29	loan	loan	NOUN
hi-38	235	30	repayment	repayment	NOUN
hi-38	235	31	capability	capability	NOUN
hi-38	235	32	which	which	PRON
hi-38	235	33	leads	lead	VERB
hi-38	235	34	to	to	ADP
hi-38	235	35	higher	high	ADJ
hi-38	235	36	levels	level	NOUN
hi-38	235	37	of	of	ADP
hi-38	235	38	aggregate	aggregate	ADJ
hi-38	235	39	liquidity	liquidity	NOUN
hi-38	235	40	that	that	PRON
hi-38	235	41	in	in	ADP
hi-38	235	42	turn	turn	NOUN
hi-38	235	43	leads	lead	VERB
hi-38	235	44	to	to	ADP
hi-38	235	45	financial	financial	ADJ
hi-38	235	46	crises	crisis	NOUN
hi-38	235	47	.	.	PUNCT
hi-38	236	1	in	in	ADP
hi-38	236	2	his	his	PRON
hi-38	236	3	theoretical	theoretical	ADJ
hi-38	236	4	model	model	NOUN
hi-38	236	5	,	,	PUNCT
hi-38	236	6	imbierowicz	imbierowicz	VERB
hi-38	236	7	and	and	CCONJ
hi-38	236	8	rauch	rauch	PROPN
hi-38	236	9	(	(	PUNCT
hi-38	236	10	2014	2014	NUM
hi-38	236	11	)	)	PUNCT
hi-38	236	12	indicates	indicate	VERB
hi-38	236	13	that	that	SCONJ
hi-38	236	14	increased	increase	VERB
hi-38	236	15	bank	bank	NOUN
hi-38	236	16	assets	asset	NOUN
hi-38	236	17	liquidity	liquidity	NOUN
hi-38	236	18	causes	cause	VERB
hi-38	236	19	reduced	reduce	VERB
hi-38	236	20	banking	banking	NOUN
hi-38	236	21	stability	stability	NOUN
hi-38	236	22	only	only	ADV
hi-38	236	23	during	during	ADP
hi-38	236	24	financial	financial	ADJ
hi-38	236	25	crises	crisis	NOUN
hi-38	236	26	and	and	CCONJ
hi-38	236	27	not	not	PART
hi-38	236	28	during	during	ADP
hi-38	236	29	regular	regular	ADJ
hi-38	236	30	times	time	NOUN
hi-38	236	31	.	.	PUNCT
hi-38	237	1	the	the	DET
hi-38	237	2	summary	summary	NOUN
hi-38	237	3	of	of	ADP
hi-38	237	4	literature	literature	NOUN
hi-38	237	5	on	on	ADP
hi-38	237	6	the	the	DET
hi-38	237	7	relationship	relationship	NOUN
hi-38	237	8	between	between	ADP
hi-38	237	9	the	the	DET
hi-38	237	10	flr	flr	ADJ
hi-38	237	11	risk	risk	NOUN
hi-38	237	12	and	and	CCONJ
hi-38	237	13	bank	bank	NOUN
hi-38	237	14	risk	risk	NOUN
hi-38	237	15	is	be	AUX
hi-38	237	16	presented	present	VERB
hi-38	237	17	in	in	ADP
hi-38	237	18	the	the	DET
hi-38	237	19	table	table	NOUN
hi-38	237	20	1	1	NUM
hi-38	237	21	below	below	ADV
hi-38	237	22	.	.	PUNCT
hi-38	238	1	table	table	NOUN
hi-38	238	2	1	1	NUM
hi-38	238	3	.	.	PUNCT
hi-38	239	1	summary	summary	NOUN
hi-38	239	2	of	of	ADP
hi-38	239	3	literature	literature	NOUN
hi-38	239	4	on	on	ADP
hi-38	239	5	the	the	DET
hi-38	239	6	flr	flr	ADJ
hi-38	239	7	risk	risk	NOUN
hi-38	239	8	and	and	CCONJ
hi-38	239	9	bank	bank	NOUN
hi-38	239	10	risk	risk	NOUN
hi-38	239	11	.	.	PUNCT
hi-38	240	1	author	author	NOUN
hi-38	240	2	title	title	PROPN
hi-38	240	3	method	method	PROPN
hi-38	240	4	findings	finding	NOUN
hi-38	240	5	“	"	PUNCT
hi-38	240	6	flr	flr	NOUN
hi-38	240	7	and	and	CCONJ
hi-38	240	8	bank	bank	NOUN
hi-38	240	9	lending	lending	NOUN
hi-38	240	10	:	:	PUNCT
hi-38	240	11	evidence	evidence	NOUN
hi-38	240	12	from	from	ADP
hi-38	240	13	vietnam	vietnam	PROPN
hi-38	240	14	”	"	PUNCT
hi-38	240	15	dang	dang	INTJ
hi-38	240	16	et	et	PROPN
hi-38	240	17	al	al	PROPN
hi-38	240	18	.	.	PROPN
hi-38	240	19	,	,	PUNCT
hi-38	240	20	(	(	PUNCT
hi-38	240	21	2019	2019	NUM
hi-38	240	22	)	)	PUNCT
hi-38	240	23	dynamic	dynamic	ADJ
hi-38	240	24	panel	panel	NOUN
hi-38	240	25	data	datum	NOUN
hi-38	240	26	(	(	PUNCT
hi-38	240	27	system	system	NOUN
hi-38	240	28	gmm	gmm	NOUN
hi-38	240	29	)	)	PUNCT
hi-38	240	30	“	"	PUNCT
hi-38	240	31	panel	panel	NOUN
hi-38	240	32	data	data	PROPN
hi-38	240	33	model	model	NOUN
hi-38	240	34	shows	show	VERB
hi-38	240	35	that	that	SCONJ
hi-38	240	36	banks	bank	NOUN
hi-38	240	37	owning	own	VERB
hi-38	240	38	higher	high	ADJ
hi-38	240	39	flr	flr	NOUN
hi-38	240	40	measured	measure	VERB
hi-38	240	41	94	94	NUM
hi-38	240	42	the	the	DET
hi-38	240	43	funding	funding	NOUN
hi-38	240	44	liquidity	liquidity	NOUN
hi-38	240	45	risk	risk	NOUN
hi-38	240	46	...	...	PUNCT
hi-38	240	47	author	author	NOUN
hi-38	240	48	title	title	NOUN
hi-38	240	49	method	method	PROPN
hi-38	240	50	findings	finding	VERB
hi-38	240	51	dahir	dahir	X
hi-38	240	52	et	et	PROPN
hi-38	240	53	al	al	PROPN
hi-38	240	54	.	.	PROPN
hi-38	241	1	(	(	PUNCT
hi-38	241	2	2019	2019	NUM
hi-38	241	3	)	)	PUNCT
hi-38	241	4	vo	vo	X
hi-38	241	5	(	(	PUNCT
hi-38	241	6	2018	2018	NUM
hi-38	241	7	)	)	PUNCT
hi-38	241	8	dahir	dahir	NOUN
hi-38	241	9	et	et	PROPN
hi-38	241	10	al	al	PROPN
hi-38	241	11	.	.	PROPN
hi-38	242	1	(	(	PUNCT
hi-38	242	2	2018	2018	NUM
hi-38	242	3	)	)	PUNCT
hi-38	242	4	rokhimand	rokhimand	NOUN
hi-38	242	5	min	min	NOUN
hi-38	242	6	(	(	PUNCT
hi-38	242	7	2018	2018	NUM
hi-38	242	8	)	)	PUNCT
hi-38	242	9	“	"	PUNCT
hi-38	242	10	capital	capital	NOUN
hi-38	242	11	,	,	PUNCT
hi-38	242	12	flr	flr	NOUN
hi-38	242	13	,	,	PUNCT
hi-38	242	14	and	and	CCONJ
hi-38	242	15	bank	bank	NOUN
hi-38	242	16	lending	lending	NOUN
hi-38	242	17	in	in	ADP
hi-38	242	18	emerging	emerge	VERB
hi-38	242	19	economies	economy	NOUN
hi-38	242	20	:	:	PUNCT
hi-38	242	21	an	an	DET
hi-38	242	22	application	application	NOUN
hi-38	242	23	of	of	ADP
hi-38	242	24	the	the	DET
hi-38	242	25	lsdvc	lsdvc	NOUN
hi-38	242	26	approach	approach	NOUN
hi-38	242	27	”	"	PUNCT
hi-38	242	28	“	"	PUNCT
hi-38	242	29	the	the	DET
hi-38	242	30	role	role	NOUN
hi-38	242	31	of	of	ADP
hi-38	242	32	bank	bank	NOUN
hi-38	242	33	funding	funding	NOUN
hi-38	242	34	diversity	diversity	NOUN
hi-38	242	35	:	:	PUNCT
hi-38	242	36	evidence	evidence	NOUN
hi-38	242	37	from	from	ADP
hi-38	242	38	vietnam	vietnam	PROPN
hi-38	242	39	”	"	PUNCT
hi-38	242	40	“	"	PUNCT
hi-38	242	41	flr	flr	ADJ
hi-38	242	42	risk	risk	NOUN
hi-38	242	43	and	and	CCONJ
hi-38	242	44	bank	bank	NOUN
hi-38	242	45	risk	risk	NOUN
hi-38	242	46	-	-	PUNCT
hi-38	242	47	taking	taking	NOUN
hi-38	242	48	in	in	ADP
hi-38	242	49	brics	bric	NOUN
hi-38	242	50	countries	country	NOUN
hi-38	242	51	:	:	PUNCT
hi-38	242	52	an	an	DET
hi-38	242	53	application	application	NOUN
hi-38	242	54	of	of	ADP
hi-38	242	55	system	system	NOUN
hi-38	242	56	gmm	gmm	PROPN
hi-38	242	57	approach	approach	NOUN
hi-38	242	58	”	"	PUNCT
hi-38	242	59	“	"	PUNCT
hi-38	242	60	flr	flr	NOUN
hi-38	242	61	and	and	CCONJ
hi-38	242	62	risktaking	risktake	VERB
hi-38	242	63	behavior	behavior	NOUN
hi-38	242	64	in	in	ADP
hi-38	242	65	southeast	southeast	ADJ
hi-38	242	66	asian	asian	ADJ
hi-38	242	67	banks	bank	NOUN
hi-38	242	68	”	"	PUNCT
hi-38	242	69	“	"	PUNCT
hi-38	242	70	dynamic	dynamic	ADJ
hi-38	242	71	least	least	ADJ
hi-38	242	72	squares	square	NOUN
hi-38	242	73	dummy	dummy	ADJ
hi-38	242	74	variable	variable	NOUN
hi-38	242	75	corrected	correct	VERB
hi-38	242	76	(	(	PUNCT
hi-38	242	77	lsdvc	lsdvc	NOUN
hi-38	242	78	)	)	PUNCT
hi-38	242	79	”	"	PUNCT
hi-38	242	80	panel	panel	NOUN
hi-38	242	81	regression	regression	VERB
hi-38	242	82	dynamic	dynamic	ADJ
hi-38	242	83	panel	panel	NOUN
hi-38	242	84	data	datum	NOUN
hi-38	242	85	(	(	PUNCT
hi-38	242	86	system	system	NOUN
hi-38	242	87	gmm	gmm	NOUN
hi-38	242	88	)	)	PUNCT
hi-38	242	89	(	(	PUNCT
hi-38	242	90	dynamic	dynamic	ADJ
hi-38	242	91	panel	panel	NOUN
hi-38	242	92	data	datum	NOUN
hi-38	242	93	(	(	PUNCT
hi-38	242	94	system	system	NOUN
hi-38	242	95	gmm	gmm	NOUN
hi-38	242	96	)	)	PUNCT
hi-38	242	97	by	by	ADP
hi-38	242	98	higher	high	ADJ
hi-38	242	99	ratios	ratio	NOUN
hi-38	242	100	of	of	ADP
hi-38	242	101	deposit	deposit	NOUN
hi-38	242	102	tend	tend	VERB
hi-38	242	103	to	to	PART
hi-38	242	104	lend	lend	VERB
hi-38	242	105	more	more	ADJ
hi-38	242	106	”	"	PUNCT
hi-38	242	107	“	"	PUNCT
hi-38	242	108	the	the	DET
hi-38	242	109	empirical	empirical	ADJ
hi-38	242	110	results	result	NOUN
hi-38	242	111	reveal	reveal	VERB
hi-38	242	112	that	that	SCONJ
hi-38	242	113	flr	flr	PROPN
hi-38	242	114	is	be	AUX
hi-38	242	115	negative	negative	ADJ
hi-38	242	116	and	and	CCONJ
hi-38	242	117	significant	significant	ADJ
hi-38	242	118	,	,	PUNCT
hi-38	242	119	which	which	PRON
hi-38	242	120	suggests	suggest	VERB
hi-38	242	121	that	that	SCONJ
hi-38	242	122	higher	high	ADJ
hi-38	242	123	flr	flr	NOUN
hi-38	242	124	reduces	reduce	VERB
hi-38	242	125	bank	bank	NOUN
hi-38	242	126	loan	loan	NOUN
hi-38	242	127	growth	growth	NOUN
hi-38	242	128	.	.	PUNCT
hi-38	242	129	”	"	PUNCT
hi-38	243	1	“	"	PUNCT
hi-38	243	2	banks	bank	NOUN
hi-38	243	3	with	with	ADP
hi-38	243	4	higher	high	ADJ
hi-38	243	5	flr	flr	NOUN
hi-38	243	6	tend	tend	VERB
hi-38	243	7	to	to	PART
hi-38	243	8	participate	participate	VERB
hi-38	243	9	in	in	ADP
hi-38	243	10	more	more	ADJ
hi-38	243	11	risk	risk	NOUN
hi-38	243	12	taking	take	VERB
hi-38	243	13	activities	activity	NOUN
hi-38	243	14	.	.	PUNCT
hi-38	243	15	”	"	PUNCT
hi-38	244	1	“	"	PUNCT
hi-38	244	2	the	the	DET
hi-38	244	3	study	study	NOUN
hi-38	244	4	also	also	ADV
hi-38	244	5	reveals	reveal	VERB
hi-38	244	6	that	that	SCONJ
hi-38	244	7	flr	flr	ADJ
hi-38	244	8	risk	risk	NOUN
hi-38	244	9	has	have	VERB
hi-38	244	10	the	the	DET
hi-38	244	11	substantial	substantial	ADJ
hi-38	244	12	impact	impact	NOUN
hi-38	244	13	on	on	ADP
hi-38	244	14	bank	bank	NOUN
hi-38	244	15	risktaking	risktake	VERB
hi-38	244	16	,	,	PUNCT
hi-38	244	17	suggesting	suggest	VERB
hi-38	244	18	lower	low	ADJ
hi-38	244	19	flr	flr	ADJ
hi-38	244	20	risk	risk	NOUN
hi-38	244	21	results	result	NOUN
hi-38	244	22	in	in	ADP
hi-38	244	23	higher	high	ADJ
hi-38	244	24	bank	bank	NOUN
hi-38	244	25	risk	risk	NOUN
hi-38	244	26	-	-	PUNCT
hi-38	244	27	taking	taking	NOUN
hi-38	244	28	.	.	PUNCT
hi-38	244	29	”	"	PUNCT
hi-38	245	1	“	"	PUNCT
hi-38	245	2	the	the	DET
hi-38	245	3	study	study	NOUN
hi-38	245	4	found	find	VERB
hi-38	245	5	that	that	SCONJ
hi-38	245	6	in	in	ADP
hi-38	245	7	contrast	contrast	NOUN
hi-38	245	8	to	to	ADP
hi-38	245	9	developed	develop	VERB
hi-38	245	10	countries	country	NOUN
hi-38	245	11	,	,	PUNCT
hi-38	245	12	banks	bank	NOUN
hi-38	245	13	with	with	ADP
hi-38	245	14	lower	low	ADJ
hi-38	245	15	lr	lr	NOUN
hi-38	245	16	indicated	indicate	VERB
hi-38	245	17	by	by	ADP
hi-38	245	18	higher	high	ADJ
hi-38	245	19	deposit	deposit	NOUN
hi-38	245	20	hamdard	hamdard	PROPN
hi-38	245	21	islamicus	islamicus	PROPN
hi-38	245	22	vol	vol	NOUN
hi-38	245	23	.	.	PUNCT
hi-38	246	1	xliii	xliii	PROPN
hi-38	246	2	,	,	PUNCT
hi-38	246	3	no	no	INTJ
hi-38	246	4	.	.	NOUN
hi-38	246	5	1	1	NUM
hi-38	246	6	95	95	NUM
hi-38	246	7	author	author	NOUN
hi-38	246	8	title	title	NOUN
hi-38	246	9	method	method	NOUN
hi-38	246	10	findings	finding	VERB
hi-38	246	11	khan	khan	PROPN
hi-38	246	12	et	et	PROPN
hi-38	246	13	al	al	PROPN
hi-38	246	14	.	.	PROPN
hi-38	247	1	(	(	PUNCT
hi-38	247	2	2016	2016	NUM
hi-38	247	3	)	)	PUNCT
hi-38	247	4	adusei	adusei	NOUN
hi-38	247	5	(	(	PUNCT
hi-38	247	6	2015	2015	NUM
hi-38	247	7	)	)	PUNCT
hi-38	247	8	acharya	acharya	NOUN
hi-38	247	9	and	and	CCONJ
hi-38	247	10	mora	mora	PROPN
hi-38	247	11	(	(	PUNCT
hi-38	247	12	2014	2014	NUM
hi-38	247	13	)	)	PUNCT
hi-38	247	14	“	"	PUNCT
hi-38	247	15	flr	flr	NOUN
hi-38	247	16	and	and	CCONJ
hi-38	247	17	bank	bank	NOUN
hi-38	247	18	risk	risk	NOUN
hi-38	247	19	taking	taking	NOUN
hi-38	247	20	”	"	PUNCT
hi-38	247	21	“	"	PUNCT
hi-38	247	22	the	the	DET
hi-38	247	23	impact	impact	NOUN
hi-38	247	24	of	of	ADP
hi-38	247	25	bank	bank	NOUN
hi-38	247	26	size	size	NOUN
hi-38	247	27	and	and	CCONJ
hi-38	247	28	funding	funding	NOUN
hi-38	247	29	risk	risk	NOUN
hi-38	247	30	on	on	ADP
hi-38	247	31	bank	bank	NOUN
hi-38	247	32	stability	stability	NOUN
hi-38	247	33	”	"	PUNCT
hi-38	247	34	“	"	PUNCT
hi-38	247	35	a	a	DET
hi-38	247	36	crisis	crisis	NOUN
hi-38	247	37	of	of	ADP
hi-38	247	38	banks	bank	NOUN
hi-38	247	39	as	as	ADP
hi-38	247	40	liquidity	liquidity	NOUN
hi-38	247	41	providers	provider	NOUN
hi-38	247	42	”	"	PUNCT
hi-38	247	43	“	"	PUNCT
hi-38	247	44	static	static	ADJ
hi-38	247	45	panel	panel	NOUN
hi-38	247	46	data	datum	NOUN
hi-38	247	47	(	(	PUNCT
hi-38	247	48	fixed	fix	VERB
hi-38	247	49	effect	effect	NOUN
hi-38	247	50	)	)	PUNCT
hi-38	247	51	dynamic	dynamic	ADJ
hi-38	247	52	panel	panel	NOUN
hi-38	247	53	data	datum	NOUN
hi-38	247	54	(	(	PUNCT
hi-38	247	55	system	system	NOUN
hi-38	247	56	gmm	gmm	NOUN
hi-38	247	57	)	)	PUNCT
hi-38	247	58	”	"	PUNCT
hi-38	247	59	panel	panel	NOUN
hi-38	247	60	data	data	PROPN
hi-38	247	61	panel	panel	NOUN
hi-38	247	62	data	datum	NOUN
hi-38	247	63	ratios	ratio	NOUN
hi-38	247	64	tend	tend	VERB
hi-38	247	65	to	to	PART
hi-38	247	66	take	take	VERB
hi-38	247	67	lower	low	ADJ
hi-38	247	68	risks	risk	NOUN
hi-38	247	69	”	"	PUNCT
hi-38	247	70	“	"	PUNCT
hi-38	247	71	they	they	PRON
hi-38	247	72	find	find	VERB
hi-38	247	73	evidence	evidence	NOUN
hi-38	247	74	that	that	SCONJ
hi-38	247	75	banks	bank	NOUN
hi-38	247	76	having	have	VERB
hi-38	247	77	lower	low	ADJ
hi-38	247	78	flr	flr	ADJ
hi-38	247	79	risk	risk	NOUN
hi-38	247	80	as	as	SCONJ
hi-38	247	81	proxied	proxie	VERB
hi-38	247	82	by	by	ADP
hi-38	247	83	higher	high	ADJ
hi-38	247	84	deposit	deposit	NOUN
hi-38	247	85	ratios	ratio	NOUN
hi-38	247	86	,	,	PUNCT
hi-38	247	87	take	take	VERB
hi-38	247	88	more	more	ADJ
hi-38	247	89	risk	risk	NOUN
hi-38	247	90	between	between	ADP
hi-38	247	91	banks	bank	NOUN
hi-38	247	92	specific	specific	ADJ
hi-38	247	93	factors	factor	NOUN
hi-38	247	94	and	and	CCONJ
hi-38	247	95	bank	bank	NOUN
hi-38	247	96	risk	risk	NOUN
hi-38	247	97	”	"	PUNCT
hi-38	247	98	“	"	PUNCT
hi-38	247	99	flr	flr	PROPN
hi-38	247	100	is	be	AUX
hi-38	247	101	in	in	ADP
hi-38	247	102	positive	positive	ADJ
hi-38	247	103	relationship	relationship	NOUN
hi-38	247	104	with	with	ADP
hi-38	247	105	the	the	DET
hi-38	247	106	bank	bank	NOUN
hi-38	247	107	risk	risk	NOUN
hi-38	247	108	“	"	PUNCT
hi-38	247	109	“	"	PUNCT
hi-38	247	110	at	at	ADP
hi-38	247	111	the	the	DET
hi-38	247	112	onset	onset	NOUN
hi-38	247	113	of	of	ADP
hi-38	247	114	the	the	DET
hi-38	247	115	crisis	crisis	NOUN
hi-38	247	116	,	,	PUNCT
hi-38	247	117	aggregate	aggregate	ADJ
hi-38	247	118	deposit	deposit	NOUN
hi-38	247	119	inflows	inflow	NOUN
hi-38	247	120	into	into	ADP
hi-38	247	121	banks	bank	NOUN
hi-38	247	122	weakened	weaken	VERB
hi-38	247	123	and	and	CCONJ
hi-38	247	124	their	their	PRON
hi-38	247	125	loantodeposit	loantodeposit	NOUN
hi-38	247	126	shortfalls	shortfall	NOUN
hi-38	247	127	widened	widen	VERB
hi-38	247	128	.	.	PUNCT
hi-38	247	129	”	"	PUNCT
hi-38	248	1	the	the	DET
hi-38	248	2	author	author	NOUN
hi-38	248	3	has	have	AUX
hi-38	248	4	used	use	VERB
hi-38	248	5	the	the	DET
hi-38	248	6	scopus	scopus	PROPN
hi-38	248	7	database	database	NOUN
hi-38	248	8	to	to	PART
hi-38	248	9	find	find	VERB
hi-38	248	10	the	the	DET
hi-38	248	11	literature	literature	NOUN
hi-38	248	12	on	on	ADP
hi-38	248	13	the	the	DET
hi-38	248	14	relationship	relationship	NOUN
hi-38	248	15	between	between	ADP
hi-38	248	16	the	the	DET
hi-38	248	17	funding	funding	NOUN
hi-38	248	18	liquidity	liquidity	NOUN
hi-38	248	19	risk	risk	NOUN
hi-38	248	20	and	and	CCONJ
hi-38	248	21	bank	bank	NOUN
hi-38	248	22	risk	risk	NOUN
hi-38	248	23	.	.	PUNCT
hi-38	249	1	the	the	DET
hi-38	249	2	above	above	ADJ
hi-38	249	3	three	three	NUM
hi-38	249	4	studies	study	NOUN
hi-38	249	5	are	be	AUX
hi-38	249	6	traced	trace	VERB
hi-38	249	7	from	from	ADP
hi-38	249	8	the	the	DET
hi-38	249	9	database	database	NOUN
hi-38	249	10	.	.	PUNCT
hi-38	250	1	the	the	DET
hi-38	250	2	three	three	NUM
hi-38	250	3	studies	study	NOUN
hi-38	250	4	offer	offer	VERB
hi-38	250	5	an	an	DET
hi-38	250	6	inconclusive	inconclusive	ADJ
hi-38	250	7	result	result	NOUN
hi-38	250	8	as	as	ADP
hi-38	250	9	khan	khan	PROPN
hi-38	250	10	et	et	PROPN
hi-38	250	11	al	al	PROPN
hi-38	250	12	.	.	PROPN
hi-38	251	1	(	(	PUNCT
hi-38	251	2	2017	2017	NUM
hi-38	251	3	)	)	PUNCT
hi-38	251	4	and	and	CCONJ
hi-38	251	5	dahir	dahir	X
hi-38	251	6	et	et	PROPN
hi-38	251	7	al	al	PROPN
hi-38	251	8	.	.	PROPN
hi-38	252	1	(	(	PUNCT
hi-38	252	2	2018	2018	NUM
hi-38	252	3	)	)	PUNCT
hi-38	252	4	found	find	VERB
hi-38	252	5	that	that	SCONJ
hi-38	252	6	higher	high	ADJ
hi-38	252	7	level	level	NOUN
hi-38	252	8	of	of	ADP
hi-38	252	9	flr	flr	NOUN
hi-38	252	10	encourage	encourage	VERB
hi-38	252	11	the	the	DET
hi-38	252	12	excessive	excessive	ADJ
hi-38	252	13	risk	risk	NOUN
hi-38	252	14	-	-	PUNCT
hi-38	252	15	taking	take	VERB
hi-38	252	16	behavior	behavior	NOUN
hi-38	252	17	,	,	PUNCT
hi-38	252	18	whereas	whereas	SCONJ
hi-38	252	19	,	,	PUNCT
hi-38	252	20	rokhim	rokhim	NOUN
hi-38	252	21	and	and	CCONJ
hi-38	252	22	min	min	PROPN
hi-38	252	23	(	(	PUNCT
hi-38	252	24	2018	2018	NUM
hi-38	252	25	)	)	PUNCT
hi-38	252	26	has	have	AUX
hi-38	252	27	shown	show	VERB
hi-38	252	28	contradiction	contradiction	NOUN
hi-38	252	29	with	with	ADP
hi-38	252	30	their	their	PRON
hi-38	252	31	findings	finding	NOUN
hi-38	252	32	.	.	PUNCT
hi-38	253	1	following	follow	VERB
hi-38	253	2	the	the	DET
hi-38	253	3	study	study	NOUN
hi-38	253	4	of	of	ADP
hi-38	253	5	dahir	dahir	PROPN
hi-38	253	6	et	et	PROPN
hi-38	253	7	al	al	PROPN
hi-38	253	8	.	.	PROPN
hi-38	254	1	(	(	PUNCT
hi-38	254	2	2018	2018	NUM
hi-38	254	3	)	)	PUNCT
hi-38	254	4	,	,	PUNCT
hi-38	254	5	and	and	CCONJ
hi-38	254	6	khan	khan	PROPN
hi-38	254	7	et	et	PROPN
hi-38	254	8	al	al	PROPN
hi-38	254	9	.	.	PUNCT
hi-38	255	1	(	(	PUNCT
hi-38	255	2	2016	2016	NUM
hi-38	255	3	)	)	PUNCT
hi-38	255	4	,	,	PUNCT
hi-38	255	5	the	the	DET
hi-38	255	6	current	current	ADJ
hi-38	255	7	study	study	NOUN
hi-38	255	8	has	have	AUX
hi-38	255	9	employed	employ	VERB
hi-38	255	10	the	the	DET
hi-38	255	11	total	total	ADJ
hi-38	255	12	deposits	deposit	NOUN
hi-38	255	13	to	to	PART
hi-38	255	14	total	total	VERB
hi-38	255	15	asset	asset	NOUN
hi-38	255	16	ratio	ratio	NOUN
hi-38	255	17	as	as	ADP
hi-38	255	18	96	96	NUM
hi-38	255	19	the	the	DET
hi-38	255	20	funding	funding	NOUN
hi-38	255	21	liquidity	liquidity	NOUN
hi-38	255	22	risk	risk	NOUN
hi-38	255	23	...	...	PUNCT
hi-38	255	24	a	a	DET
hi-38	255	25	proxy	proxy	NOUN
hi-38	255	26	of	of	ADP
hi-38	255	27	funding	funding	NOUN
hi-38	255	28	lr	lr	INTJ
hi-38	255	29	.	.	PUNCT
hi-38	256	1	it	it	PRON
hi-38	256	2	is	be	AUX
hi-38	256	3	been	be	AUX
hi-38	256	4	argued	argue	VERB
hi-38	256	5	in	in	ADP
hi-38	256	6	the	the	DET
hi-38	256	7	current	current	ADJ
hi-38	256	8	study	study	NOUN
hi-38	256	9	that	that	SCONJ
hi-38	256	10	the	the	DET
hi-38	256	11	banks	bank	NOUN
hi-38	256	12	deposit	deposit	VERB
hi-38	256	13	ratio	ratio	NOUN
hi-38	256	14	determines	determine	VERB
hi-38	256	15	the	the	DET
hi-38	256	16	bank	bank	NOUN
hi-38	256	17	risk	risk	NOUN
hi-38	256	18	taking	take	VERB
hi-38	256	19	behavior	behavior	NOUN
hi-38	256	20	.	.	PUNCT
hi-38	257	1	to	to	PART
hi-38	257	2	capture	capture	VERB
hi-38	257	3	the	the	DET
hi-38	257	4	overall	overall	ADJ
hi-38	257	5	banking	banking	NOUN
hi-38	257	6	risks	risk	NOUN
hi-38	257	7	,	,	PUNCT
hi-38	257	8	the	the	DET
hi-38	257	9	current	current	ADJ
hi-38	257	10	study	study	NOUN
hi-38	257	11	has	have	AUX
hi-38	257	12	planned	plan	VERB
hi-38	257	13	to	to	PART
hi-38	257	14	use	use	VERB
hi-38	257	15	the	the	DET
hi-38	257	16	bank	bank	NOUN
hi-38	257	17	z	z	NOUN
hi-38	257	18	-	-	PUNCT
hi-38	257	19	score	score	NOUN
hi-38	257	20	(	(	PUNCT
hi-38	257	21	khan	khan	PROPN
hi-38	257	22	et	et	PROPN
hi-38	257	23	al	al	PROPN
hi-38	257	24	.	.	PROPN
hi-38	257	25	,	,	PUNCT
hi-38	257	26	2016	2016	NUM
hi-38	257	27	;	;	PUNCT
hi-38	257	28	dahir	dahir	PROPN
hi-38	257	29	et	et	PROPN
hi-38	257	30	al	al	PROPN
hi-38	257	31	.	.	PROPN
hi-38	257	32	,	,	PUNCT
hi-38	257	33	2018	2018	NUM
hi-38	257	34	)	)	PUNCT
hi-38	257	35	,	,	PUNCT
hi-38	257	36	loan	loan	NOUN
hi-38	257	37	loss	loss	NOUN
hi-38	257	38	provisions	provision	NOUN
hi-38	257	39	(	(	PUNCT
hi-38	257	40	khan	khan	PROPN
hi-38	257	41	et	et	PROPN
hi-38	257	42	al	al	PROPN
hi-38	257	43	.	.	PROPN
hi-38	257	44	,	,	PUNCT
hi-38	257	45	2016	2016	NUM
hi-38	257	46	)	)	PUNCT
hi-38	257	47	and	and	CCONJ
hi-38	257	48	its	its	PRON
hi-38	257	49	ability	ability	NOUN
hi-38	257	50	of	of	ADP
hi-38	257	51	liquidity	liquidity	NOUN
hi-38	257	52	creation	creation	NOUN
hi-38	257	53	.	.	PUNCT
hi-38	258	1	many	many	ADJ
hi-38	258	2	prior	prior	ADJ
hi-38	258	3	researchers	researcher	NOUN
hi-38	258	4	(	(	PUNCT
hi-38	258	5	khan	khan	PROPN
hi-38	258	6	et	et	PROPN
hi-38	258	7	al	al	PROPN
hi-38	258	8	.	.	PROPN
hi-38	258	9	,	,	PUNCT
hi-38	258	10	2016	2016	NUM
hi-38	258	11	)	)	PUNCT
hi-38	258	12	has	have	AUX
hi-38	258	13	argued	argue	VERB
hi-38	258	14	the	the	DET
hi-38	258	15	bank	bank	NOUN
hi-38	258	16	ability	ability	NOUN
hi-38	258	17	of	of	ADP
hi-38	258	18	liquidity	liquidity	NOUN
hi-38	258	19	creation	creation	NOUN
hi-38	258	20	as	as	ADP
hi-38	258	21	proxy	proxy	NOUN
hi-38	258	22	of	of	ADP
hi-38	258	23	lrs	lrs	PROPN
hi-38	258	24	.	.	PUNCT
hi-38	259	1	in	in	ADP
hi-38	259	2	particular	particular	ADJ
hi-38	259	3	,	,	PUNCT
hi-38	259	4	the	the	DET
hi-38	259	5	current	current	ADJ
hi-38	259	6	study	study	NOUN
hi-38	259	7	has	have	AUX
hi-38	259	8	employed	employ	VERB
hi-38	259	9	the	the	DET
hi-38	259	10	measure	measure	NOUN
hi-38	259	11	of	of	ADP
hi-38	259	12	liquidity	liquidity	NOUN
hi-38	259	13	creation	creation	NOUN
hi-38	259	14	developed	develop	VERB
hi-38	259	15	by	by	ADP
hi-38	259	16	berger	berger	PROPN
hi-38	259	17	and	and	CCONJ
hi-38	259	18	bouwman	bouwman	PROPN
hi-38	259	19	,	,	PUNCT
hi-38	259	20	(	(	PUNCT
hi-38	259	21	2009	2009	NUM
hi-38	259	22	)	)	PUNCT
hi-38	259	23	,	,	PUNCT
hi-38	259	24	and	and	CCONJ
hi-38	259	25	recently	recently	ADV
hi-38	259	26	used	use	VERB
hi-38	259	27	by	by	ADP
hi-38	259	28	khan	khan	PROPN
hi-38	259	29	et	et	PROPN
hi-38	259	30	al	al	PROPN
hi-38	259	31	.	.	PROPN
hi-38	259	32	,	,	PUNCT
hi-38	259	33	(	(	PUNCT
hi-38	259	34	2017	2017	NUM
hi-38	259	35	)	)	PUNCT
hi-38	259	36	.	.	PUNCT
hi-38	260	1	the	the	DET
hi-38	260	2	khan	khan	PROPN
hi-38	260	3	et	et	PROPN
hi-38	260	4	al	al	PROPN
hi-38	260	5	.	.	PROPN
hi-38	260	6	,	,	PUNCT
hi-38	260	7	(	(	PUNCT
hi-38	260	8	2017	2017	NUM
hi-38	260	9	)	)	PUNCT
hi-38	260	10	,	,	PUNCT
hi-38	260	11	found	find	VERB
hi-38	260	12	that	that	SCONJ
hi-38	260	13	the	the	DET
hi-38	260	14	flr	flr	NOUN
hi-38	260	15	is	be	AUX
hi-38	260	16	positive	positive	ADJ
hi-38	260	17	relationship	relationship	NOUN
hi-38	260	18	with	with	ADP
hi-38	260	19	three	three	NUM
hi-38	260	20	types	type	NOUN
hi-38	260	21	of	of	ADP
hi-38	260	22	risk	risk	NOUN
hi-38	260	23	mentioned	mention	VERB
hi-38	260	24	above	above	ADV
hi-38	260	25	.	.	PUNCT
hi-38	261	1	considering	consider	VERB
hi-38	261	2	the	the	DET
hi-38	261	3	importance	importance	NOUN
hi-38	261	4	of	of	ADP
hi-38	261	5	the	the	DET
hi-38	261	6	relationship	relationship	NOUN
hi-38	261	7	between	between	ADP
hi-38	261	8	liquidity	liquidity	NOUN
hi-38	261	9	creation	creation	NOUN
hi-38	261	10	and	and	CCONJ
hi-38	261	11	flr	flr	NOUN
hi-38	261	12	,	,	PUNCT
hi-38	261	13	and	and	CCONJ
hi-38	261	14	between	between	ADP
hi-38	261	15	liquidity	liquidity	NOUN
hi-38	261	16	and	and	CCONJ
hi-38	261	17	crr	crr	PROPN
hi-38	261	18	the	the	DET
hi-38	261	19	following	follow	VERB
hi-38	261	20	sections	section	NOUN
hi-38	261	21	have	have	AUX
hi-38	261	22	shed	shed	VERB
hi-38	261	23	light	light	NOUN
hi-38	261	24	on	on	ADP
hi-38	261	25	them	they	PRON
hi-38	261	26	.	.	PUNCT
hi-38	262	1	according	accord	VERB
hi-38	262	2	to	to	ADP
hi-38	262	3	the	the	DET
hi-38	262	4	acharya	acharya	NOUN
hi-38	262	5	and	and	CCONJ
hi-38	262	6	naqvi	naqvi	NOUN
hi-38	262	7	(	(	PUNCT
hi-38	262	8	2012	2012	NUM
hi-38	262	9	)	)	PUNCT
hi-38	262	10	,	,	PUNCT
hi-38	262	11	the	the	DET
hi-38	262	12	when	when	SCONJ
hi-38	262	13	banks	bank	NOUN
hi-38	262	14	encounter	encounter	VERB
hi-38	262	15	with	with	ADP
hi-38	262	16	the	the	DET
hi-38	262	17	larger	large	ADJ
hi-38	262	18	cash	cash	NOUN
hi-38	262	19	flow	flow	NOUN
hi-38	262	20	,	,	PUNCT
hi-38	262	21	consequently	consequently	ADV
hi-38	262	22	the	the	DET
hi-38	262	23	lower	low	ADJ
hi-38	262	24	flr	flr	ADJ
hi-38	262	25	risk	risk	NOUN
hi-38	262	26	,	,	PUNCT
hi-38	262	27	the	the	DET
hi-38	262	28	bank	bank	NOUN
hi-38	262	29	managers	manager	NOUN
hi-38	262	30	because	because	SCONJ
hi-38	262	31	of	of	ADP
hi-38	262	32	moral	moral	ADJ
hi-38	262	33	hazard	hazard	NOUN
hi-38	262	34	behaviour	behaviour	NOUN
hi-38	262	35	lend	lend	VERB
hi-38	262	36	at	at	ADP
hi-38	262	37	lower	low	ADJ
hi-38	262	38	rate	rate	NOUN
hi-38	262	39	.	.	PUNCT
hi-38	263	1	they	they	PRON
hi-38	263	2	continued	continue	VERB
hi-38	263	3	and	and	CCONJ
hi-38	263	4	argued	argue	VERB
hi-38	263	5	that	that	SCONJ
hi-38	263	6	the	the	DET
hi-38	263	7	reason	reason	NOUN
hi-38	263	8	behind	behind	ADP
hi-38	263	9	lowering	lower	VERB
hi-38	263	10	the	the	DET
hi-38	263	11	lending	lending	NOUN
hi-38	263	12	rate	rate	NOUN
hi-38	263	13	is	be	AUX
hi-38	263	14	to	to	PART
hi-38	263	15	increase	increase	VERB
hi-38	263	16	the	the	DET
hi-38	263	17	loan	loan	NOUN
hi-38	263	18	sale	sale	NOUN
hi-38	263	19	,	,	PUNCT
hi-38	263	20	which	which	PRON
hi-38	263	21	ultimately	ultimately	ADV
hi-38	263	22	will	will	AUX
hi-38	263	23	enhance	enhance	VERB
hi-38	263	24	the	the	DET
hi-38	263	25	compensation	compensation	NOUN
hi-38	263	26	of	of	ADP
hi-38	263	27	management	management	NOUN
hi-38	263	28	.	.	PUNCT
hi-38	264	1	according	accord	VERB
hi-38	264	2	to	to	ADP
hi-38	264	3	the	the	DET
hi-38	264	4	chiaramonte	chiaramonte	NOUN
hi-38	264	5	,	,	PUNCT
hi-38	264	6	(	(	PUNCT
hi-38	264	7	2018	2018	NUM
hi-38	264	8	)	)	PUNCT
hi-38	264	9	banks	bank	NOUN
hi-38	264	10	only	only	ADV
hi-38	264	11	perform	perform	VERB
hi-38	264	12	the	the	DET
hi-38	264	13	costly	costly	ADJ
hi-38	264	14	audit	audit	NOUN
hi-38	264	15	,	,	PUNCT
hi-38	264	16	if	if	SCONJ
hi-38	264	17	the	the	DET
hi-38	264	18	flr	flr	ADJ
hi-38	264	19	risk	risk	NOUN
hi-38	264	20	is	be	AUX
hi-38	264	21	high	high	ADJ
hi-38	264	22	,	,	PUNCT
hi-38	264	23	however	however	ADV
hi-38	264	24	,	,	PUNCT
hi-38	264	25	in	in	ADP
hi-38	264	26	case	case	NOUN
hi-38	264	27	of	of	ADP
hi-38	264	28	lower	low	ADJ
hi-38	264	29	flr	flr	ADJ
hi-38	264	30	risk	risk	NOUN
hi-38	264	31	,	,	PUNCT
hi-38	264	32	mangers	manger	NOUN
hi-38	264	33	in	in	ADP
hi-38	264	34	most	most	ADJ
hi-38	264	35	of	of	ADP
hi-38	264	36	the	the	DET
hi-38	264	37	cases	case	NOUN
hi-38	264	38	feel	feel	VERB
hi-38	264	39	overconfident	overconfident	ADJ
hi-38	264	40	and	and	CCONJ
hi-38	264	41	go	go	VERB
hi-38	264	42	for	for	ADP
hi-38	264	43	the	the	DET
hi-38	264	44	excessive	excessive	ADJ
hi-38	264	45	risk	risk	NOUN
hi-38	264	46	taking	taking	NOUN
hi-38	264	47	.	.	PUNCT
hi-38	265	1	audits	audits	NOUN
hi-38	265	2	to	to	PART
hi-38	265	3	determine	determine	VERB
hi-38	265	4	managers	manager	NOUN
hi-38	265	5	’	’	PART
hi-38	265	6	decisions	decision	NOUN
hi-38	265	7	about	about	ADP
hi-38	265	8	the	the	DET
hi-38	265	9	standard	standard	NOUN
hi-38	265	10	of	of	ADP
hi-38	265	11	lending	lending	NOUN
hi-38	265	12	will	will	AUX
hi-38	265	13	only	only	ADV
hi-38	265	14	be	be	AUX
hi-38	265	15	performed	perform	VERB
hi-38	265	16	if	if	SCONJ
hi-38	265	17	the	the	DET
hi-38	265	18	banks	bank	NOUN
hi-38	265	19	’	'	PUNCT
hi-38	265	20	flr	flr	ADJ
hi-38	265	21	deficit	deficit	NOUN
hi-38	265	22	is	be	AUX
hi-38	265	23	highly	highly	ADV
hi-38	265	24	substantial	substantial	ADJ
hi-38	265	25	.	.	PUNCT
hi-38	266	1	surplus	surplus	NOUN
hi-38	266	2	deposits	deposit	NOUN
hi-38	266	3	hence	hence	ADV
hi-38	266	4	cause	cause	VERB
hi-38	266	5	overconfidence	overconfidence	NOUN
hi-38	266	6	among	among	ADP
hi-38	266	7	bank	bank	NOUN
hi-38	266	8	managers	manager	NOUN
hi-38	266	9	that	that	SCONJ
hi-38	266	10	their	their	PRON
hi-38	266	11	banks	bank	NOUN
hi-38	266	12	will	will	AUX
hi-38	266	13	not	not	PART
hi-38	266	14	experience	experience	VERB
hi-38	266	15	any	any	DET
hi-38	266	16	looming	loom	VERB
hi-38	266	17	flr	flr	ADJ
hi-38	266	18	crisis	crisis	NOUN
hi-38	266	19	and	and	CCONJ
hi-38	266	20	that	that	SCONJ
hi-38	266	21	their	their	PRON
hi-38	266	22	lending	lending	NOUN
hi-38	266	23	practices	practice	NOUN
hi-38	266	24	will	will	AUX
hi-38	266	25	remain	remain	VERB
hi-38	266	26	unquestioned	unquestioned	ADJ
hi-38	266	27	.	.	PUNCT
hi-38	267	1	banks	bank	NOUN
hi-38	267	2	could	could	AUX
hi-38	267	3	experience	experience	VERB
hi-38	267	4	capital	capital	NOUN
hi-38	267	5	shortage	shortage	NOUN
hi-38	267	6	as	as	ADP
hi-38	267	7	a	a	DET
hi-38	267	8	result	result	NOUN
hi-38	267	9	of	of	ADP
hi-38	267	10	excess	excess	ADJ
hi-38	267	11	lending	lending	NOUN
hi-38	267	12	which	which	PRON
hi-38	267	13	in	in	ADP
hi-38	267	14	turn	turn	NOUN
hi-38	267	15	could	could	AUX
hi-38	267	16	lead	lead	VERB
hi-38	267	17	to	to	ADP
hi-38	267	18	bank	bank	NOUN
hi-38	267	19	failure	failure	NOUN
hi-38	267	20	.	.	PUNCT
hi-38	268	1	cheng	cheng	PROPN
hi-38	268	2	et	et	PROPN
hi-38	268	3	al	al	PROPN
hi-38	268	4	.	.	PROPN
hi-38	269	1	(	(	PUNCT
hi-38	269	2	2015	2015	NUM
hi-38	269	3	)	)	PUNCT
hi-38	269	4	used	use	VERB
hi-38	269	5	the	the	DET
hi-38	269	6	principal	principal	ADJ
hi-38	269	7	agent	agent	NOUN
hi-38	269	8	theory	theory	NOUN
hi-38	269	9	to	to	PART
hi-38	269	10	indicate	indicate	VERB
hi-38	269	11	that	that	DET
hi-38	269	12	risk	risk	NOUN
hi-38	269	13	-	-	PUNCT
hi-38	269	14	prone	prone	ADJ
hi-38	269	15	managers	manager	NOUN
hi-38	269	16	need	need	VERB
hi-38	269	17	greater	great	ADJ
hi-38	269	18	levels	level	NOUN
hi-38	269	19	of	of	ADP
hi-38	269	20	compensation	compensation	NOUN
hi-38	269	21	to	to	PART
hi-38	269	22	operate	operate	VERB
hi-38	269	23	in	in	ADP
hi-38	269	24	precarious	precarious	ADJ
hi-38	269	25	financial	financial	ADJ
hi-38	269	26	firms	firm	NOUN
hi-38	269	27	because	because	SCONJ
hi-38	269	28	they	they	PRON
hi-38	269	29	face	face	VERB
hi-38	269	30	higher	high	ADJ
hi-38	269	31	wealth	wealth	NOUN
hi-38	269	32	-	-	PUNCT
hi-38	269	33	related	relate	VERB
hi-38	269	34	uncertainties	uncertainty	NOUN
hi-38	269	35	.	.	PUNCT
hi-38	270	1	to	to	PART
hi-38	270	2	achieve	achieve	VERB
hi-38	270	3	this	this	PRON
hi-38	270	4	,	,	PUNCT
hi-38	270	5	the	the	DET
hi-38	270	6	managers	manager	NOUN
hi-38	270	7	may	may	AUX
hi-38	270	8	be	be	AUX
hi-38	270	9	provided	provide	VERB
hi-38	270	10	with	with	ADP
hi-38	270	11	more	more	ADJ
hi-38	270	12	freedom	freedom	NOUN
hi-38	270	13	in	in	ADP
hi-38	270	14	pursuing	pursue	VERB
hi-38	270	15	aggressive	aggressive	ADJ
hi-38	270	16	lending	lending	NOUN
hi-38	270	17	schemes	scheme	NOUN
hi-38	270	18	when	when	SCONJ
hi-38	270	19	there	there	PRON
hi-38	270	20	is	be	VERB
hi-38	270	21	excess	excess	ADJ
hi-38	270	22	liquidity	liquidity	NOUN
hi-38	270	23	.	.	PUNCT
hi-38	271	1	there	there	PRON
hi-38	271	2	is	be	VERB
hi-38	271	3	a	a	DET
hi-38	271	4	negative	negative	ADJ
hi-38	271	5	correlation	correlation	NOUN
hi-38	271	6	between	between	ADP
hi-38	271	7	flr	flr	ADJ
hi-38	271	8	risk	risk	NOUN
hi-38	271	9	and	and	CCONJ
hi-38	271	10	market	market	NOUN
hi-38	271	11	liquidity	liquidity	NOUN
hi-38	271	12	(	(	PUNCT
hi-38	271	13	drehmann	drehmann	PROPN
hi-38	271	14	&	&	CCONJ
hi-38	271	15	nikolaou	nikolaou	PROPN
hi-38	271	16	,	,	PUNCT
hi-38	271	17	2013	2013	NUM
hi-38	271	18	)	)	PUNCT
hi-38	271	19	.	.	PUNCT
hi-38	272	1	banks	bank	NOUN
hi-38	272	2	must	must	AUX
hi-38	272	3	maintain	maintain	VERB
hi-38	272	4	certain	certain	ADJ
hi-38	272	5	amounts	amount	NOUN
hi-38	272	6	of	of	ADP
hi-38	272	7	deposits	deposit	NOUN
hi-38	272	8	with	with	ADP
hi-38	272	9	the	the	DET
hi-38	272	10	central	central	ADJ
hi-38	272	11	bank	bank	NOUN
hi-38	272	12	as	as	ADP
hi-38	272	13	liquidity	liquidity	NOUN
hi-38	272	14	reserve	reserve	NOUN
hi-38	272	15	in	in	ADP
hi-38	272	16	the	the	DET
hi-38	272	17	form	form	NOUN
hi-38	272	18	of	of	ADP
hi-38	272	19	highquality	highquality	NOUN
hi-38	272	20	liquid	liquid	ADJ
hi-38	272	21	assets	asset	NOUN
hi-38	272	22	.	.	PUNCT
hi-38	273	1	over	over	ADP
hi-38	273	2	time	time	NOUN
hi-38	273	3	,	,	PUNCT
hi-38	273	4	the	the	DET
hi-38	273	5	level	level	NOUN
hi-38	273	6	of	of	ADP
hi-38	273	7	flr	flr	ADJ
hi-38	273	8	fluctuates	fluctuate	NOUN
hi-38	273	9	and	and	CCONJ
hi-38	273	10	concerns	concern	NOUN
hi-38	273	11	are	be	AUX
hi-38	273	12	rampant	rampant	ADJ
hi-38	273	13	that	that	SCONJ
hi-38	273	14	high	high	ADJ
hi-38	273	15	liquidity	liquidity	NOUN
hi-38	273	16	levels	level	NOUN
hi-38	273	17	can	can	AUX
hi-38	273	18	cause	cause	VERB
hi-38	273	19	financial	financial	ADJ
hi-38	273	20	crisis	crisis	NOUN
hi-38	273	21	.	.	PUNCT
hi-38	274	1	adrian	adrian	PROPN
hi-38	274	2	and	and	CCONJ
hi-38	274	3	shin	shin	PROPN
hi-38	274	4	(	(	PUNCT
hi-38	274	5	2010	2010	NUM
hi-38	274	6	)	)	PUNCT
hi-38	274	7	indicated	indicate	VERB
hi-38	274	8	that	that	SCONJ
hi-38	274	9	the	the	DET
hi-38	274	10	utilization	utilization	NOUN
hi-38	274	11	of	of	ADP
hi-38	274	12	surplus	surplus	NOUN
hi-38	274	13	capacity	capacity	NOUN
hi-38	274	14	arising	arise	VERB
hi-38	274	15	hamdard	hamdard	ADJ
hi-38	274	16	islamicus	islamicus	NOUN
hi-38	274	17	vol	vol	NOUN
hi-38	274	18	.	.	PUNCT
hi-38	275	1	xliii	xliii	PROPN
hi-38	275	2	,	,	PUNCT
hi-38	275	3	no	no	INTJ
hi-38	275	4	.	.	NOUN
hi-38	275	5	1	1	NUM
hi-38	275	6	97	97	NUM
hi-38	275	7	from	from	ADP
hi-38	275	8	balance	balance	NOUN
hi-38	275	9	sheet	sheet	NOUN
hi-38	275	10	growth	growth	NOUN
hi-38	275	11	is	be	AUX
hi-38	275	12	enabled	enable	VERB
hi-38	275	13	by	by	ADP
hi-38	275	14	the	the	DET
hi-38	275	15	search	search	NOUN
hi-38	275	16	for	for	ADP
hi-38	275	17	prospective	prospective	ADJ
hi-38	275	18	borrowers	borrower	NOUN
hi-38	275	19	by	by	ADP
hi-38	275	20	the	the	DET
hi-38	275	21	financial	financial	ADJ
hi-38	275	22	intermediaries	intermediary	NOUN
hi-38	275	23	regardless	regardless	ADV
hi-38	275	24	of	of	ADP
hi-38	275	25	whether	whether	SCONJ
hi-38	275	26	the	the	DET
hi-38	275	27	borrowers	borrower	NOUN
hi-38	275	28	can	can	AUX
hi-38	275	29	repay	repay	VERB
hi-38	275	30	the	the	DET
hi-38	275	31	loan	loan	NOUN
hi-38	275	32	;	;	PUNCT
hi-38	275	33	therefore	therefore	ADV
hi-38	275	34	,	,	PUNCT
hi-38	275	35	greater	great	ADJ
hi-38	275	36	aggregate	aggregate	ADJ
hi-38	275	37	liquidity	liquidity	NOUN
hi-38	275	38	levels	level	NOUN
hi-38	275	39	can	can	AUX
hi-38	275	40	lead	lead	VERB
hi-38	275	41	to	to	ADP
hi-38	275	42	financial	financial	ADJ
hi-38	275	43	crisis	crisis	NOUN
hi-38	275	44	.	.	PUNCT
hi-38	276	1	the	the	DET
hi-38	276	2	theoretical	theoretical	ADJ
hi-38	276	3	model	model	NOUN
hi-38	276	4	of	of	ADP
hi-38	276	5	the	the	DET
hi-38	276	6	correlation	correlation	NOUN
hi-38	276	7	between	between	ADP
hi-38	276	8	bank	bank	NOUN
hi-38	276	9	assets	asset	NOUN
hi-38	276	10	liquidity	liquidity	NOUN
hi-38	276	11	and	and	CCONJ
hi-38	276	12	banking	banking	NOUN
hi-38	276	13	stability	stability	NOUN
hi-38	276	14	developed	develop	VERB
hi-38	276	15	by	by	ADP
hi-38	276	16	bawa	bawa	PROPN
hi-38	276	17	and	and	CCONJ
hi-38	276	18	basu	basu	PROPN
hi-38	276	19	(	(	PUNCT
hi-38	276	20	2019	2019	NUM
hi-38	276	21	)	)	PUNCT
hi-38	276	22	indicated	indicate	VERB
hi-38	276	23	that	that	SCONJ
hi-38	276	24	increased	increase	VERB
hi-38	276	25	bank	bank	NOUN
hi-38	276	26	assets	asset	NOUN
hi-38	276	27	liquidity	liquidity	NOUN
hi-38	276	28	can	can	AUX
hi-38	276	29	lower	lower	VERB
hi-38	276	30	banking	banking	NOUN
hi-38	276	31	stability	stability	NOUN
hi-38	276	32	during	during	ADP
hi-38	276	33	times	time	NOUN
hi-38	276	34	of	of	ADP
hi-38	276	35	financial	financial	ADJ
hi-38	276	36	crisis	crisis	NOUN
hi-38	276	37	,	,	PUNCT
hi-38	276	38	but	but	CCONJ
hi-38	276	39	not	not	PART
hi-38	276	40	during	during	ADP
hi-38	276	41	normal	normal	ADJ
hi-38	276	42	courses	course	NOUN
hi-38	276	43	.	.	PUNCT
hi-38	277	1	liquidity	liquidity	NOUN
hi-38	277	2	increases	increase	NOUN
hi-38	277	3	can	can	AUX
hi-38	277	4	come	come	VERB
hi-38	277	5	from	from	ADP
hi-38	277	6	interest	interest	NOUN
hi-38	277	7	rate	rate	NOUN
hi-38	277	8	increases	increase	NOUN
hi-38	277	9	due	due	ADJ
hi-38	277	10	to	to	ADP
hi-38	277	11	monetary	monetary	ADJ
hi-38	277	12	policy	policy	NOUN
hi-38	277	13	changes	change	NOUN
hi-38	277	14	.	.	PUNCT
hi-38	278	1	cheng	cheng	PROPN
hi-38	278	2	et	et	PROPN
hi-38	278	3	al	al	PROPN
hi-38	278	4	.	.	PROPN
hi-38	278	5	,	,	PUNCT
hi-38	278	6	(	(	PUNCT
hi-38	278	7	2015	2015	NUM
hi-38	278	8	)	)	PUNCT
hi-38	278	9	suggested	suggest	VERB
hi-38	278	10	that	that	SCONJ
hi-38	278	11	banks	bank	NOUN
hi-38	278	12	assume	assume	VERB
hi-38	278	13	more	more	ADJ
hi-38	278	14	risks	risk	NOUN
hi-38	278	15	during	during	ADP
hi-38	278	16	when	when	SCONJ
hi-38	278	17	risk	risk	NOUN
hi-38	278	18	-	-	PUNCT
hi-38	278	19	free	free	ADJ
hi-38	278	20	interest	interest	NOUN
hi-38	278	21	rates	rate	NOUN
hi-38	278	22	rise	rise	VERB
hi-38	278	23	because	because	SCONJ
hi-38	278	24	there	there	PRON
hi-38	278	25	is	be	VERB
hi-38	278	26	higher	high	ADJ
hi-38	278	27	investment	investment	NOUN
hi-38	278	28	in	in	ADP
hi-38	278	29	risk	risk	NOUN
hi-38	278	30	-	-	PUNCT
hi-38	278	31	free	free	ADJ
hi-38	278	32	bonds	bond	NOUN
hi-38	278	33	,	,	PUNCT
hi-38	278	34	which	which	PRON
hi-38	278	35	escalates	escalate	VERB
hi-38	278	36	the	the	DET
hi-38	278	37	interbank	interbank	NOUN
hi-38	278	38	market	market	NOUN
hi-38	278	39	’s	’s	PART
hi-38	278	40	liquidity	liquidity	NOUN
hi-38	278	41	supply	supply	NOUN
hi-38	278	42	and	and	CCONJ
hi-38	278	43	drives	drive	VERB
hi-38	278	44	more	more	ADJ
hi-38	278	45	interbank	interbank	NOUN
hi-38	278	46	lending	lending	NOUN
hi-38	278	47	.	.	PUNCT
hi-38	279	1	other	other	ADJ
hi-38	279	2	banks	bank	NOUN
hi-38	279	3	’	'	PUNCT
hi-38	279	4	investment	investment	NOUN
hi-38	279	5	in	in	ADP
hi-38	279	6	risky	risky	ADJ
hi-38	279	7	assets	asset	NOUN
hi-38	279	8	is	be	AUX
hi-38	279	9	also	also	ADV
hi-38	279	10	boosted	boost	VERB
hi-38	279	11	by	by	ADP
hi-38	279	12	the	the	DET
hi-38	279	13	increase	increase	NOUN
hi-38	279	14	in	in	ADP
hi-38	279	15	liquidity	liquidity	NOUN
hi-38	279	16	supply	supply	NOUN
hi-38	279	17	.	.	PUNCT
hi-38	280	1	therefore	therefore	ADV
hi-38	280	2	,	,	PUNCT
hi-38	280	3	theoretical	theoretical	ADJ
hi-38	280	4	and	and	CCONJ
hi-38	280	5	empirical	empirical	ADJ
hi-38	280	6	literatures	literature	NOUN
hi-38	280	7	propose	propose	VERB
hi-38	280	8	the	the	DET
hi-38	280	9	close	close	ADJ
hi-38	280	10	correlation	correlation	NOUN
hi-38	280	11	between	between	ADP
hi-38	280	12	flr	flr	ADJ
hi-38	280	13	risk	risk	NOUN
hi-38	280	14	and	and	CCONJ
hi-38	280	15	bank	bank	NOUN
hi-38	280	16	risk	risk	NOUN
hi-38	280	17	taking	taking	NOUN
hi-38	280	18	.	.	PUNCT
hi-38	281	1	our	our	PRON
hi-38	281	2	first	first	ADJ
hi-38	281	3	hypothesis	hypothesis	NOUN
hi-38	281	4	supports	support	VERB
hi-38	281	5	the	the	DET
hi-38	281	6	prediction	prediction	NOUN
hi-38	281	7	of	of	ADP
hi-38	281	8	acharya	acharya	NOUN
hi-38	281	9	and	and	CCONJ
hi-38	281	10	naqvi	naqvi	NOUN
hi-38	281	11	(	(	PUNCT
hi-38	281	12	2012	2012	NUM
hi-38	281	13	)	)	PUNCT
hi-38	281	14	conclusion	conclusion	NOUN
hi-38	281	15	a	a	DET
hi-38	281	16	major	major	ADJ
hi-38	281	17	gap	gap	NOUN
hi-38	281	18	on	on	ADP
hi-38	281	19	liquidity	liquidity	NOUN
hi-38	281	20	research	research	NOUN
hi-38	281	21	is	be	AUX
hi-38	281	22	that	that	SCONJ
hi-38	281	23	there	there	PRON
hi-38	281	24	is	be	VERB
hi-38	281	25	inconsistency	inconsistency	NOUN
hi-38	281	26	in	in	ADP
hi-38	281	27	the	the	DET
hi-38	281	28	relationship	relationship	NOUN
hi-38	281	29	between	between	ADP
hi-38	281	30	funding	funding	NOUN
hi-38	281	31	lr	lr	NOUN
hi-38	281	32	and	and	CCONJ
hi-38	281	33	bank	bank	PROPN
hi-38	281	34	risk	risk	NOUN
hi-38	281	35	.this	.this	PRON
hi-38	281	36	has	have	AUX
hi-38	281	37	resulted	result	VERB
hi-38	281	38	in	in	ADP
hi-38	281	39	different	different	ADJ
hi-38	281	40	researchers	researcher	NOUN
hi-38	281	41	giving	give	VERB
hi-38	281	42	conflicting	conflicting	ADJ
hi-38	281	43	views	view	NOUN
hi-38	281	44	on	on	ADP
hi-38	281	45	the	the	DET
hi-38	281	46	significance	significance	NOUN
hi-38	281	47	of	of	ADP
hi-38	281	48	various	various	ADJ
hi-38	281	49	factors	factor	NOUN
hi-38	281	50	that	that	PRON
hi-38	281	51	influence	influence	VERB
hi-38	281	52	lr	lr	NOUN
hi-38	281	53	or	or	CCONJ
hi-38	281	54	affected	affect	VERB
hi-38	281	55	by	by	ADP
hi-38	281	56	the	the	DET
hi-38	281	57	lr	lr	PROPN
hi-38	281	58	.	.	PUNCT
hi-38	282	1	several	several	ADJ
hi-38	282	2	studies	study	NOUN
hi-38	282	3	have	have	AUX
hi-38	282	4	been	be	AUX
hi-38	282	5	carried	carry	VERB
hi-38	282	6	out	out	ADP
hi-38	282	7	on	on	ADP
hi-38	282	8	funding	fund	VERB
hi-38	282	9	liqiudity	liqiudity	NOUN
hi-38	282	10	and	and	CCONJ
hi-38	282	11	risk	risk	NOUN
hi-38	282	12	management	management	NOUN
hi-38	282	13	in	in	ADP
hi-38	282	14	conventional	conventional	ADJ
hi-38	282	15	banks	bank	NOUN
hi-38	282	16	in	in	ADP
hi-38	282	17	many	many	ADJ
hi-38	282	18	countries	country	NOUN
hi-38	282	19	such	such	ADJ
hi-38	282	20	as	as	ADP
hi-38	282	21	khan	khan	PROPN
hi-38	282	22	et	et	PROPN
hi-38	282	23	al	al	PROPN
hi-38	282	24	.	.	PROPN
hi-38	283	1	(	(	PUNCT
hi-38	283	2	2016	2016	NUM
hi-38	283	3	)	)	PUNCT
hi-38	283	4	in	in	ADP
hi-38	283	5	usa	usa	PROPN
hi-38	283	6	,	,	PUNCT
hi-38	283	7	dahir	dahir	PROPN
hi-38	283	8	et	et	PROPN
hi-38	283	9	al	al	PROPN
hi-38	283	10	.	.	PROPN
hi-38	284	1	(	(	PUNCT
hi-38	284	2	2017	2017	NUM
hi-38	284	3	)	)	PUNCT
hi-38	284	4	,	,	PUNCT
hi-38	284	5	and	and	CCONJ
hi-38	284	6	dahir	dahir	X
hi-38	284	7	et	et	PROPN
hi-38	284	8	al	al	PROPN
hi-38	284	9	.	.	PROPN
hi-38	285	1	(	(	PUNCT
hi-38	285	2	2019	2019	NUM
hi-38	285	3	)	)	PUNCT
hi-38	285	4	on	on	ADP
hi-38	285	5	brics	brics	PROPN
hi-38	285	6	,	,	PUNCT
hi-38	285	7	chen	chen	PROPN
hi-38	285	8	et	et	PROPN
hi-38	285	9	al	al	PROPN
hi-38	285	10	.	.	PROPN
hi-38	286	1	(	(	PUNCT
hi-38	286	2	2018	2018	NUM
hi-38	286	3	)	)	PUNCT
hi-38	286	4	on	on	ADP
hi-38	286	5	develkoped	develkope	VERB
hi-38	286	6	economeis	economeis	NOUN
hi-38	286	7	.	.	PUNCT
hi-38	287	1	however	however	ADV
hi-38	287	2	.	.	PUNCT
hi-38	288	1	till	till	SCONJ
hi-38	288	2	to	to	ADP
hi-38	288	3	date	date	NOUN
hi-38	288	4	,	,	PUNCT
hi-38	288	5	in	in	ADP
hi-38	288	6	author	author	NOUN
hi-38	288	7	knowledge	knowledge	NOUN
hi-38	288	8	little	little	ADJ
hi-38	288	9	or	or	CCONJ
hi-38	288	10	attention	attention	NOUN
hi-38	288	11	has	have	AUX
hi-38	288	12	been	be	AUX
hi-38	288	13	given	give	VERB
hi-38	288	14	on	on	ADP
hi-38	288	15	the	the	DET
hi-38	288	16	exploration	exploration	NOUN
hi-38	288	17	of	of	ADP
hi-38	288	18	the	the	DET
hi-38	288	19	impact	impact	NOUN
hi-38	288	20	of	of	ADP
hi-38	288	21	the	the	DET
hi-38	288	22	funding	funding	NOUN
hi-38	288	23	lr	lr	X
hi-38	288	24	on	on	ADP
hi-38	288	25	the	the	DET
hi-38	288	26	bank	bank	NOUN
hi-38	288	27	risk	risk	NOUN
hi-38	288	28	in	in	ADP
hi-38	288	29	south	south	ADJ
hi-38	288	30	asian	asian	ADJ
hi-38	288	31	countris	countris	NOUN
hi-38	288	32	.	.	PUNCT
hi-38	289	1	as	as	ADP
hi-38	289	2	a	a	DET
hi-38	289	3	group	group	NOUN
hi-38	289	4	of	of	ADP
hi-38	289	5	researchers	researcher	NOUN
hi-38	289	6	have	have	AUX
hi-38	289	7	argued	argue	VERB
hi-38	289	8	that	that	SCONJ
hi-38	289	9	the	the	DET
hi-38	289	10	excessiev	excessiev	ADJ
hi-38	289	11	lr	lr	NOUN
hi-38	289	12	can	can	AUX
hi-38	289	13	also	also	ADV
hi-38	289	14	enocurge	enocurge	VERB
hi-38	289	15	bank	bank	PROPN
hi-38	289	16	to	to	PART
hi-38	289	17	take	take	VERB
hi-38	289	18	excessiev	excessiev	ADJ
hi-38	289	19	risk	risk	NOUN
hi-38	289	20	which	which	PRON
hi-38	289	21	ultimateky	ultimateky	ADV
hi-38	289	22	enhances	enhance	VERB
hi-38	289	23	the	the	DET
hi-38	289	24	bank	bank	NOUN
hi-38	289	25	risk	risk	NOUN
hi-38	289	26	(	(	PUNCT
hi-38	289	27	adusei	adusei	ADJ
hi-38	289	28	2015	2015	NUM
hi-38	289	29	:	:	PUNCT
hi-38	290	1	dang	dang	INTJ
hi-38	290	2	et	et	PROPN
hi-38	290	3	al	al	PROPN
hi-38	290	4	.	.	PROPN
hi-38	290	5	,	,	PUNCT
hi-38	290	6	2019	2019	NUM
hi-38	290	7	:	:	PUNCT
hi-38	290	8	vo	vo	NOUN
hi-38	290	9	,	,	PUNCT
hi-38	290	10	2018	2018	NUM
hi-38	290	11	;	;	PUNCT
hi-38	290	12	khan	khan	PROPN
hi-38	290	13	et	et	PROPN
hi-38	290	14	al	al	PROPN
hi-38	290	15	.	.	PROPN
hi-38	290	16	,	,	PUNCT
hi-38	290	17	2016	2016	NUM
hi-38	290	18	)	)	PUNCT
hi-38	290	19	.	.	PUNCT
hi-38	291	1	whereas	whereas	SCONJ
hi-38	291	2	another	another	DET
hi-38	291	3	group	group	NOUN
hi-38	291	4	of	of	ADP
hi-38	291	5	reseracehrs	reseracehrs	PROPN
hi-38	291	6	argue	argue	VERB
hi-38	291	7	a	a	DET
hi-38	291	8	negative	negative	ADJ
hi-38	291	9	relationship	relationship	NOUN
hi-38	291	10	between	between	ADP
hi-38	291	11	the	the	DET
hi-38	291	12	funding	funding	NOUN
hi-38	291	13	liquity	liquity	NOUN
hi-38	291	14	risk	risk	NOUN
hi-38	291	15	and	and	CCONJ
hi-38	291	16	bank	bank	NOUN
hi-38	291	17	risk	risk	NOUN
hi-38	291	18	(	(	PUNCT
hi-38	291	19	dahir	dahir	PROPN
hi-38	291	20	et	et	PROPN
hi-38	291	21	al	al	PROPN
hi-38	291	22	.	.	PROPN
hi-38	291	23	,	,	PUNCT
hi-38	291	24	2017	2017	NUM
hi-38	291	25	;	;	PUNCT
hi-38	291	26	dahir	dahir	PROPN
hi-38	291	27	et	et	PROPN
hi-38	291	28	al	al	PROPN
hi-38	291	29	.	.	PROPN
hi-38	291	30	,	,	PUNCT
hi-38	291	31	2019	2019	NUM
hi-38	291	32	:	:	PUNCT
hi-38	291	33	rokhim	rokhim	PROPN
hi-38	291	34	&	&	CCONJ
hi-38	291	35	min	min	PROPN
hi-38	291	36	,	,	PUNCT
hi-38	291	37	2018	2018	NUM
hi-38	291	38	)	)	PUNCT
hi-38	291	39	.	.	PUNCT
hi-38	292	1	meawnhile	meawnhile	ADJ
hi-38	292	2	,	,	PUNCT
hi-38	292	3	the	the	DET
hi-38	292	4	extent	extent	NOUN
hi-38	292	5	of	of	ADP
hi-38	292	6	the	the	DET
hi-38	292	7	research	research	NOUN
hi-38	292	8	is	be	AUX
hi-38	292	9	very	very	ADV
hi-38	292	10	limited	limited	ADJ
hi-38	292	11	to	to	ADP
hi-38	292	12	some	some	DET
hi-38	292	13	selected	select	VERB
hi-38	292	14	countries	country	NOUN
hi-38	292	15	particularly	particularly	ADV
hi-38	292	16	in	in	ADP
hi-38	292	17	south	south	ADJ
hi-38	292	18	asian	asian	ADJ
hi-38	292	19	countries	country	NOUN
hi-38	292	20	.	.	PUNCT
hi-38	293	1	moreover	moreover	ADV
hi-38	293	2	,	,	PUNCT
hi-38	293	3	there	there	PRON
hi-38	293	4	is	be	VERB
hi-38	293	5	a	a	DET
hi-38	293	6	general	general	ADJ
hi-38	293	7	dearth	dearth	NOUN
hi-38	293	8	of	of	ADP
hi-38	293	9	literature	literature	NOUN
hi-38	293	10	on	on	ADP
hi-38	293	11	funding	fund	VERB
hi-38	293	12	lr	lr	NOUN
hi-38	293	13	compared	compare	VERB
hi-38	293	14	to	to	ADP
hi-38	293	15	other	other	ADJ
hi-38	293	16	risks	risk	NOUN
hi-38	293	17	(	(	PUNCT
hi-38	293	18	such	such	ADJ
hi-38	293	19	as	as	ADP
hi-38	293	20	crr	crr	PROPN
hi-38	293	21	)	)	PUNCT
hi-38	293	22	.	.	PUNCT
hi-38	294	1	hence	hence	ADV
hi-38	294	2	,	,	PUNCT
hi-38	294	3	this	this	DET
hi-38	294	4	research	research	NOUN
hi-38	294	5	is	be	AUX
hi-38	294	6	significant	significant	ADJ
hi-38	294	7	in	in	ADP
hi-38	294	8	filling	fill	VERB
hi-38	294	9	the	the	DET
hi-38	294	10	gap	gap	NOUN
hi-38	294	11	and	and	CCONJ
hi-38	294	12	lay	lie	VERB
hi-38	294	13	the	the	DET
hi-38	294	14	foundation	foundation	NOUN
hi-38	294	15	for	for	ADP
hi-38	294	16	extended	extended	ADJ
hi-38	294	17	study	study	NOUN
hi-38	294	18	on	on	ADP
hi-38	294	19	management	management	NOUN
hi-38	294	20	of	of	ADP
hi-38	294	21	risk	risk	NOUN
hi-38	294	22	in	in	ADP
hi-38	294	23	general	general	ADJ
hi-38	294	24	and	and	CCONJ
hi-38	294	25	fundung	fundung	ADJ
hi-38	294	26	lr	lr	PROPN
hi-38	294	27	and	and	CCONJ
hi-38	294	28	bank	bank	NOUN
hi-38	294	29	risk	risk	NOUN
hi-38	294	30	of	of	ADP
hi-38	294	31	south	south	ADJ
hi-38	294	32	asian	asian	ADJ
hi-38	294	33	banks	bank	NOUN
hi-38	294	34	in	in	ADP
hi-38	294	35	particular	particular	ADJ
hi-38	294	36	for	for	ADP
hi-38	294	37	conventional	conventional	ADJ
hi-38	294	38	bank	bank	NOUN
hi-38	294	39	.	.	PUNCT
hi-38	295	1	98	98	NUM
hi-38	296	1	the	the	DET
hi-38	296	2	funding	funding	NOUN
hi-38	296	3	liquidity	liquidity	NOUN
hi-38	296	4	risk	risk	NOUN
hi-38	296	5	...	...	PUNCT
hi-38	297	1	the	the	DET
hi-38	297	2	present	present	ADJ
hi-38	297	3	study	study	NOUN
hi-38	297	4	identifies	identify	VERB
hi-38	297	5	relevant	relevant	ADJ
hi-38	297	6	factors	factor	NOUN
hi-38	297	7	affecting	affect	VERB
hi-38	297	8	liquidity	liquidity	NOUN
hi-38	297	9	and	and	CCONJ
hi-38	297	10	thus	thus	ADV
hi-38	297	11	contribute	contribute	VERB
hi-38	297	12	to	to	ADP
hi-38	297	13	better	well	ADJ
hi-38	297	14	lr	lr	NOUN
hi-38	297	15	management	management	NOUN
hi-38	297	16	.	.	PUNCT
hi-38	298	1	in	in	ADP
hi-38	298	2	this	this	DET
hi-38	298	3	aspect	aspect	NOUN
hi-38	298	4	,	,	PUNCT
hi-38	298	5	the	the	DET
hi-38	298	6	fund	fund	NOUN
hi-38	298	7	managers	manager	NOUN
hi-38	298	8	are	be	AUX
hi-38	298	9	made	make	VERB
hi-38	298	10	aware	aware	ADJ
hi-38	298	11	of	of	ADP
hi-38	298	12	risk	risk	NOUN
hi-38	298	13	management	management	NOUN
hi-38	298	14	techniques	technique	NOUN
hi-38	298	15	to	to	PART
hi-38	298	16	manage	manage	VERB
hi-38	298	17	the	the	DET
hi-38	298	18	factors	factor	NOUN
hi-38	298	19	influencing	influence	VERB
hi-38	298	20	lr	lr	NOUN
hi-38	298	21	of	of	ADP
hi-38	298	22	their	their	PRON
hi-38	298	23	banks	bank	NOUN
hi-38	298	24	.	.	PUNCT
hi-38	299	1	additionally	additionally	ADV
hi-38	299	2	,	,	PUNCT
hi-38	299	3	the	the	DET
hi-38	299	4	focus	focus	NOUN
hi-38	299	5	on	on	ADP
hi-38	299	6	the	the	DET
hi-38	299	7	funding	funding	NOUN
hi-38	299	8	lr	lr	NOUN
hi-38	299	9	was	be	AUX
hi-38	299	10	not	not	PART
hi-38	299	11	pronounced	pronounce	VERB
hi-38	299	12	until	until	ADP
hi-38	299	13	after	after	ADP
hi-38	299	14	the	the	DET
hi-38	299	15	2008	2008	NUM
hi-38	299	16	global	global	ADJ
hi-38	299	17	financial	financial	ADJ
hi-38	299	18	crisis	crisis	NOUN
hi-38	299	19	.	.	PUNCT
hi-38	300	1	previously	previously	ADV
hi-38	300	2	,	,	PUNCT
hi-38	300	3	crr	crr	PROPN
hi-38	300	4	has	have	AUX
hi-38	300	5	been	be	AUX
hi-38	300	6	the	the	DET
hi-38	300	7	priority	priority	NOUN
hi-38	300	8	of	of	ADP
hi-38	300	9	banking	banking	NOUN
hi-38	300	10	industry	industry	NOUN
hi-38	300	11	.	.	PUNCT
hi-38	301	1	now	now	ADV
hi-38	301	2	,	,	PUNCT
hi-38	301	3	attention	attention	NOUN
hi-38	301	4	is	be	AUX
hi-38	301	5	on	on	ADP
hi-38	301	6	lr	lr	NOUN
hi-38	301	7	as	as	ADP
hi-38	301	8	against	against	ADP
hi-38	301	9	managing	manage	VERB
hi-38	301	10	interest	interest	NOUN
hi-38	301	11	rates	rate	NOUN
hi-38	301	12	and	and	CCONJ
hi-38	301	13	crr	crr	PROPN
hi-38	301	14	due	due	ADP
hi-38	301	15	to	to	ADP
hi-38	301	16	drying	dry	VERB
hi-38	301	17	up	up	ADP
hi-38	301	18	of	of	ADP
hi-38	301	19	liquidity	liquidity	NOUN
hi-38	301	20	at	at	ADP
hi-38	301	21	the	the	DET
hi-38	301	22	time	time	NOUN
hi-38	301	23	of	of	ADP
hi-38	301	24	crisis	crisis	NOUN
hi-38	301	25	.	.	PUNCT
hi-38	302	1	this	this	DET
hi-38	302	2	increasing	increase	VERB
hi-38	302	3	concern	concern	NOUN
hi-38	302	4	explains	explain	VERB
hi-38	302	5	why	why	SCONJ
hi-38	302	6	liquidity	liquidity	NOUN
hi-38	302	7	is	be	AUX
hi-38	302	8	featured	feature	VERB
hi-38	302	9	prominently	prominently	ADV
hi-38	302	10	in	in	ADP
hi-38	302	11	basel	basel	PROPN
hi-38	302	12	iii	iii	PROPN
hi-38	302	13	following	follow	VERB
hi-38	302	14	the	the	DET
hi-38	302	15	financial	financial	ADJ
hi-38	302	16	crisis	crisis	NOUN
hi-38	302	17	.	.	PUNCT
hi-38	303	1	on	on	ADP
hi-38	303	2	the	the	DET
hi-38	303	3	basis	basis	NOUN
hi-38	303	4	of	of	ADP
hi-38	303	5	islamic	islamic	ADJ
hi-38	303	6	risk	risk	NOUN
hi-38	303	7	,	,	PUNCT
hi-38	303	8	there	there	PRON
hi-38	303	9	may	may	AUX
hi-38	303	10	exist	exist	VERB
hi-38	303	11	many	many	ADJ
hi-38	303	12	schools	school	NOUN
hi-38	303	13	of	of	ADP
hi-38	303	14	thought	thought	NOUN
hi-38	303	15	.	.	PUNCT
hi-38	304	1	there	there	PRON
hi-38	304	2	is	be	VERB
hi-38	304	3	a	a	DET
hi-38	304	4	difference	difference	NOUN
hi-38	304	5	in	in	ADP
hi-38	304	6	the	the	DET
hi-38	304	7	thoughts	thought	NOUN
hi-38	304	8	based	base	VERB
hi-38	304	9	on	on	ADP
hi-38	304	10	interoperating	interoperate	VERB
hi-38	304	11	of	of	ADP
hi-38	304	12	the	the	DET
hi-38	304	13	risk	risk	NOUN
hi-38	304	14	by	by	ADP
hi-38	304	15	different	different	ADJ
hi-38	304	16	mudzhab	mudzhab	NOUN
hi-38	304	17	and	and	CCONJ
hi-38	304	18	fiqh	fiqh	NOUN
hi-38	304	19	.	.	PUNCT
hi-38	305	1	in	in	ADP
hi-38	305	2	this	this	DET
hi-38	305	3	subsection	subsection	NOUN
hi-38	305	4	,	,	PUNCT
hi-38	305	5	gharar	gharar	NOUN
hi-38	305	6	(	(	PUNCT
hi-38	305	7	uncertainty	uncertainty	NOUN
hi-38	305	8	)	)	PUNCT
hi-38	305	9	is	be	AUX
hi-38	305	10	discussed	discuss	VERB
hi-38	305	11	.	.	PUNCT
hi-38	306	1	moreover	moreover	ADV
hi-38	306	2	,	,	PUNCT
hi-38	306	3	it	it	PRON
hi-38	306	4	was	be	AUX
hi-38	306	5	said	say	VERB
hi-38	306	6	by	by	ADP
hi-38	306	7	prophet	prophet	NOUN
hi-38	306	8	muhammad	muhammad	PROPN
hi-38	306	9	that	that	SCONJ
hi-38	306	10	he	he	PRON
hi-38	306	11	was	be	AUX
hi-38	306	12	asked	ask	VERB
hi-38	306	13	by	by	ADP
hi-38	306	14	someone	someone	PRON
hi-38	306	15	whether	whether	SCONJ
hi-38	306	16	he	he	PRON
hi-38	306	17	should	should	AUX
hi-38	306	18	leave	leave	VERB
hi-38	306	19	his	his	PRON
hi-38	306	20	camel	camel	NOUN
hi-38	306	21	untied	untie	VERB
hi-38	306	22	by	by	ADP
hi-38	306	23	trusting	trust	VERB
hi-38	306	24	allah	allah	PROPN
hi-38	306	25	or	or	CCONJ
hi-38	306	26	he	he	PRON
hi-38	306	27	must	must	AUX
hi-38	306	28	tie	tie	VERB
hi-38	306	29	it	it	PRON
hi-38	306	30	and	and	CCONJ
hi-38	306	31	then	then	ADV
hi-38	306	32	leave	leave	VERB
hi-38	306	33	the	the	DET
hi-38	306	34	rest	rest	NOUN
hi-38	306	35	by	by	ADP
hi-38	306	36	trusting	trust	VERB
hi-38	306	37	on	on	ADP
hi-38	306	38	allah	allah	PROPN
hi-38	306	39	.	.	PUNCT
hi-38	307	1	the	the	DET
hi-38	307	2	prophet	prophet	NOUN
hi-38	307	3	muhammad	muhammad	PROPN
hi-38	307	4	(	(	PUNCT
hi-38	307	5	)	)	PUNCT
hi-38	307	6	said	say	VERB
hi-38	307	7	that	that	SCONJ
hi-38	307	8	i	i	PRON
hi-38	307	9	would	would	AUX
hi-38	307	10	tie	tie	VERB
hi-38	307	11	the	the	DET
hi-38	307	12	camel	camel	NOUN
hi-38	307	13	and	and	CCONJ
hi-38	307	14	then	then	ADV
hi-38	307	15	trust	trust	VERB
hi-38	307	16	allah	allah	PROPN
hi-38	307	17	.	.	PUNCT
hi-38	308	1	the	the	DET
hi-38	308	2	above	above	ADJ
hi-38	308	3	discussion	discussion	NOUN
hi-38	308	4	is	be	AUX
hi-38	308	5	of	of	ADP
hi-38	308	6	key	key	ADJ
hi-38	308	7	consideration	consideration	NOUN
hi-38	308	8	and	and	CCONJ
hi-38	308	9	information	information	NOUN
hi-38	308	10	,	,	PUNCT
hi-38	308	11	which	which	PRON
hi-38	308	12	could	could	AUX
hi-38	308	13	not	not	PART
hi-38	308	14	be	be	AUX
hi-38	308	15	found	find	VERB
hi-38	308	16	in	in	ADP
hi-38	308	17	traditional	traditional	ADJ
hi-38	308	18	knowledge	knowledge	NOUN
hi-38	308	19	.	.	PUNCT
hi-38	309	1	it	it	PRON
hi-38	309	2	can	can	AUX
hi-38	309	3	be	be	AUX
hi-38	309	4	said	say	VERB
hi-38	309	5	that	that	SCONJ
hi-38	309	6	everything	everything	PRON
hi-38	309	7	involves	involve	VERB
hi-38	309	8	the	the	DET
hi-38	309	9	element	element	NOUN
hi-38	309	10	of	of	ADP
hi-38	309	11	risk	risk	NOUN
hi-38	309	12	.	.	PUNCT
hi-38	310	1	this	this	DET
hi-38	310	2	risk	risk	NOUN
hi-38	310	3	should	should	AUX
hi-38	310	4	be	be	AUX
hi-38	310	5	managed	manage	VERB
hi-38	310	6	through	through	ADP
hi-38	310	7	compliance	compliance	NOUN
hi-38	310	8	with	with	ADP
hi-38	310	9	islamic	islamic	ADJ
hi-38	310	10	teachings	teaching	NOUN
hi-38	310	11	and	and	CCONJ
hi-38	310	12	trusting	trust	VERB
hi-38	310	13	allah	allah	PROPN
hi-38	310	14	swt	swt	PROPN
hi-38	310	15	.	.	PUNCT
hi-38	311	1	the	the	DET
hi-38	311	2	way	way	NOUN
hi-38	311	3	in	in	ADP
hi-38	311	4	which	which	PRON
hi-38	311	5	risks	risk	NOUN
hi-38	311	6	were	be	AUX
hi-38	311	7	managed	manage	VERB
hi-38	311	8	by	by	ADP
hi-38	311	9	lady	lady	PROPN
hi-38	311	10	maryam	maryam	PROPN
hi-38	311	11	(	(	PUNCT
hi-38	311	12	a.s	a.s	PROPN
hi-38	311	13	.	.	PROPN
hi-38	311	14	)	)	PUNCT
hi-38	311	15	and	and	CCONJ
hi-38	311	16	musa	musa	PROPN
hi-38	311	17	(	(	PUNCT
hi-38	311	18	a.s	a.s	PROPN
hi-38	311	19	.	.	PROPN
hi-38	311	20	)	)	PUNCT
hi-38	311	21	has	have	AUX
hi-38	311	22	been	be	AUX
hi-38	311	23	reflected	reflect	VERB
hi-38	311	24	by	by	ADP
hi-38	311	25	these	these	DET
hi-38	311	26	verses	verse	NOUN
hi-38	311	27	.	.	PUNCT
hi-38	312	1	they	they	PRON
hi-38	312	2	managed	manage	VERB
hi-38	312	3	their	their	PRON
hi-38	312	4	risks	risk	NOUN
hi-38	312	5	through	through	ADP
hi-38	312	6	the	the	DET
hi-38	312	7	obedience	obedience	NOUN
hi-38	312	8	of	of	ADP
hi-38	312	9	allah	allah	PROPN
hi-38	312	10	swt	swt	PROPN
hi-38	312	11	.	.	PROPN
hi-38	313	1	based	base	VERB
hi-38	313	2	on	on	ADP
hi-38	313	3	the	the	DET
hi-38	313	4	concept	concept	NOUN
hi-38	313	5	of	of	ADP
hi-38	313	6	risk	risk	NOUN
hi-38	313	7	in	in	ADP
hi-38	313	8	islam	islam	PROPN
hi-38	313	9	,	,	PUNCT
hi-38	313	10	several	several	ADJ
hi-38	313	11	schools	school	NOUN
hi-38	313	12	of	of	ADP
hi-38	313	13	thought	thought	NOUN
hi-38	313	14	exist	exist	VERB
hi-38	313	15	.	.	PUNCT
hi-38	314	1	these	these	DET
hi-38	314	2	thoughts	thought	NOUN
hi-38	314	3	differ	differ	VERB
hi-38	314	4	based	base	VERB
hi-38	314	5	on	on	ADP
hi-38	314	6	their	their	PRON
hi-38	314	7	strategies	strategy	NOUN
hi-38	314	8	to	to	PART
hi-38	314	9	deal	deal	VERB
hi-38	314	10	with	with	ADP
hi-38	314	11	risks	risk	NOUN
hi-38	314	12	due	due	ADP
hi-38	314	13	to	to	ADP
hi-38	314	14	a	a	DET
hi-38	314	15	difference	difference	NOUN
hi-38	314	16	in	in	ADP
hi-38	314	17	fiqh	fiqh	NOUN
hi-38	314	18	and	and	CCONJ
hi-38	314	19	madhhab	madhhab	PROPN
hi-38	314	20	.	.	PUNCT
hi-38	315	1	according	accord	VERB
hi-38	315	2	to	to	ADP
hi-38	315	3	the	the	DET
hi-38	315	4	islam	islam	PROPN
hi-38	315	5	“	"	PUNCT
hi-38	315	6	gharar	gharar	NOUN
hi-38	315	7	”	"	PUNCT
hi-38	315	8	is	be	AUX
hi-38	315	9	also	also	ADV
hi-38	315	10	referred	refer	VERB
hi-38	315	11	as	as	ADP
hi-38	315	12	risk	risk	NOUN
hi-38	315	13	or	or	CCONJ
hi-38	315	14	probability	probability	NOUN
hi-38	315	15	and	and	CCONJ
hi-38	315	16	in	in	ADP
hi-38	315	17	arabic	arabic	ADJ
hi-38	315	18	language	language	NOUN
hi-38	315	19	that	that	PRON
hi-38	315	20	means	mean	VERB
hi-38	315	21	risk	risk	NOUN
hi-38	315	22	,	,	PUNCT
hi-38	315	23	hazard	hazard	NOUN
hi-38	315	24	and	and	CCONJ
hi-38	315	25	perils	peril	NOUN
hi-38	315	26	;	;	PUNCT
hi-38	315	27	nevertheless	nevertheless	ADV
hi-38	315	28	,	,	PUNCT
hi-38	315	29	in	in	ADP
hi-38	315	30	the	the	DET
hi-38	315	31	terms	term	NOUN
hi-38	315	32	of	of	ADP
hi-38	315	33	business	business	NOUN
hi-38	315	34	it	it	PRON
hi-38	315	35	meant	mean	VERB
hi-38	315	36	to	to	PART
hi-38	315	37	take	take	VERB
hi-38	315	38	the	the	DET
hi-38	315	39	hold	hold	NOUN
hi-38	315	40	of	of	ADP
hi-38	315	41	something	something	PRON
hi-38	315	42	without	without	ADP
hi-38	315	43	knowing	know	VERB
hi-38	315	44	or	or	CCONJ
hi-38	315	45	having	have	VERB
hi-38	315	46	no	no	DET
hi-38	315	47	knowledge	knowledge	NOUN
hi-38	315	48	at	at	ADV
hi-38	315	49	all	all	ADV
hi-38	315	50	or	or	CCONJ
hi-38	315	51	to	to	PART
hi-38	315	52	take	take	VERB
hi-38	315	53	risk	risk	NOUN
hi-38	315	54	oneself	oneself	PRON
hi-38	315	55	in	in	ADP
hi-38	315	56	a	a	DET
hi-38	315	57	venture	venture	NOUN
hi-38	315	58	without	without	ADP
hi-38	315	59	a	a	DET
hi-38	315	60	know	know	NOUN
hi-38	315	61	-	-	PUNCT
hi-38	315	62	how	how	NOUN
hi-38	315	63	of	of	ADP
hi-38	315	64	the	the	DET
hi-38	315	65	exact	exact	ADJ
hi-38	315	66	results	result	NOUN
hi-38	315	67	,	,	PUNCT
hi-38	315	68	or	or	CCONJ
hi-38	315	69	to	to	PART
hi-38	315	70	make	make	VERB
hi-38	315	71	the	the	DET
hi-38	315	72	hasty	hasty	ADJ
hi-38	315	73	decisions	decision	NOUN
hi-38	315	74	by	by	ADP
hi-38	315	75	not	not	PART
hi-38	315	76	calculating	calculate	VERB
hi-38	315	77	any	any	DET
hi-38	315	78	hazard	hazard	NOUN
hi-38	315	79	of	of	ADP
hi-38	315	80	the	the	DET
hi-38	315	81	consequences	consequence	NOUN
hi-38	315	82	.	.	PUNCT
hi-38	316	1	bibliography	bibliography	NOUN
hi-38	316	2	aalbers	aalber	NOUN
hi-38	316	3	,	,	PUNCT
hi-38	316	4	m.	m.	PROPN
hi-38	316	5	b.	b.	PROPN
hi-38	316	6	(	(	PUNCT
hi-38	316	7	2016	2016	NUM
hi-38	316	8	)	)	PUNCT
hi-38	316	9	.	.	PUNCT
hi-38	317	1	the	the	DET
hi-38	317	2	financialization	financialization	NOUN
hi-38	317	3	of	of	ADP
hi-38	317	4	home	home	NOUN
hi-38	317	5	and	and	CCONJ
hi-38	317	6	the	the	DET
hi-38	317	7	mortgage	mortgage	NOUN
hi-38	317	8	market	market	NOUN
hi-38	317	9	crisis	crisis	NOUN
hi-38	317	10	.	.	PUNCT
hi-38	318	1	in	in	ADP
hi-38	318	2	the	the	DET
hi-38	318	3	financialization	financialization	NOUN
hi-38	318	4	of	of	ADP
hi-38	318	5	housing	housing	NOUN
hi-38	318	6	(	(	PUNCT
hi-38	318	7	pp	pp	PROPN
hi-38	318	8	.	.	PUNCT
hi-38	319	1	40	40	NUM
hi-38	319	2	-	-	SYM
hi-38	319	3	63	63	NUM
hi-38	319	4	)	)	PUNCT
hi-38	319	5	.	.	PUNCT
hi-38	320	1	routledge	routledge	PROPN
hi-38	320	2	.	.	PUNCT
hi-38	321	1	hamdard	hamdard	PROPN
hi-38	321	2	islamicus	islamicus	PROPN
hi-38	321	3	vol	vol	NOUN
hi-38	321	4	.	.	PUNCT
hi-38	322	1	xliii	xliii	PROPN
hi-38	322	2	,	,	PUNCT
hi-38	322	3	no	no	INTJ
hi-38	322	4	.	.	NOUN
hi-38	322	5	1	1	NUM
hi-38	322	6	99	99	NUM
hi-38	322	7	abdul	abdul	PROPN
hi-38	322	8	-	-	PUNCT
hi-38	322	9	rahman	rahman	PROPN
hi-38	322	10	,	,	PUNCT
hi-38	322	11	a.	a.	PROPN
hi-38	322	12	,	,	PUNCT
hi-38	322	13	latif	latif	PROPN
hi-38	322	14	,	,	PUNCT
hi-38	322	15	r.	r.	PROPN
hi-38	322	16	a.	a.	PROPN
hi-38	322	17	,	,	PUNCT
hi-38	322	18	muda	muda	PROPN
hi-38	322	19	,	,	PUNCT
hi-38	322	20	r.	r.	PROPN
hi-38	322	21	,	,	PUNCT
hi-38	322	22	&	&	CCONJ
hi-38	322	23	abdullah	abdullah	PROPN
hi-38	322	24	,	,	PUNCT
hi-38	322	25	m.	m.	NOUN
hi-38	322	26	a.	a.	NOUN
hi-38	322	27	(	(	PUNCT
hi-38	322	28	2014	2014	NUM
hi-38	322	29	)	)	PUNCT
hi-38	322	30	.	.	PUNCT
hi-38	323	1	failure	failure	NOUN
hi-38	323	2	and	and	CCONJ
hi-38	323	3	potential	potential	NOUN
hi-38	323	4	of	of	ADP
hi-38	323	5	profit	profit	NOUN
hi-38	323	6	-	-	PUNCT
hi-38	323	7	loss	loss	NOUN
hi-38	323	8	sharing	sharing	NOUN
hi-38	323	9	contracts	contract	NOUN
hi-38	323	10	:	:	PUNCT
hi-38	323	11	a	a	DET
hi-38	323	12	perspective	perspective	NOUN
hi-38	323	13	of	of	ADP
hi-38	323	14	new	new	ADJ
hi-38	323	15	institutional	institutional	ADJ
hi-38	323	16	,	,	PUNCT
hi-38	323	17	economic	economic	ADJ
hi-38	323	18	(	(	PUNCT
hi-38	323	19	nie	nie	PROPN
hi-38	323	20	)	)	PUNCT
hi-38	323	21	theory	theory	NOUN
hi-38	323	22	.	.	PUNCT
hi-38	324	1	pacific	pacific	ADJ
hi-38	324	2	-	-	PUNCT
hi-38	324	3	basin	basin	NOUN
hi-38	324	4	finance	finance	NOUN
hi-38	324	5	journal	journal	NOUN
hi-38	324	6	,	,	PUNCT
hi-38	324	7	28	28	NUM
hi-38	324	8	,	,	PUNCT
hi-38	324	9	136	136	NUM
hi-38	324	10	-	-	SYM
hi-38	324	11	151	151	NUM
hi-38	324	12	.	.	PUNCT
hi-38	325	1	acharya	acharya	PROPN
hi-38	325	2	,	,	PUNCT
hi-38	325	3	v.	v.	PROPN
hi-38	325	4	v.	v.	PROPN
hi-38	325	5	,	,	PUNCT
hi-38	325	6	&	&	CCONJ
hi-38	325	7	mora	mora	PROPN
hi-38	325	8	,	,	PUNCT
hi-38	325	9	n.	n.	PROPN
hi-38	325	10	(	(	PUNCT
hi-38	325	11	2015	2015	NUM
hi-38	325	12	)	)	PUNCT
hi-38	325	13	.	.	PUNCT
hi-38	326	1	a	a	DET
hi-38	326	2	crisis	crisis	NOUN
hi-38	326	3	of	of	ADP
hi-38	326	4	banks	bank	NOUN
hi-38	326	5	as	as	ADP
hi-38	326	6	liquidity	liquidity	NOUN
hi-38	326	7	providers	provider	NOUN
hi-38	326	8	.	.	PUNCT
hi-38	327	1	the	the	DET
hi-38	327	2	journal	journal	PROPN
hi-38	327	3	of	of	ADP
hi-38	327	4	finance	finance	NOUN
hi-38	327	5	,	,	PUNCT
hi-38	327	6	70(1	70(1	NOUN
hi-38	327	7	)	)	PUNCT
hi-38	327	8	,	,	PUNCT
hi-38	327	9	1	1	NUM
hi-38	327	10	-	-	SYM
hi-38	327	11	43	43	NUM
hi-38	327	12	.	.	PUNCT
hi-38	328	1	acharya	acharya	PROPN
hi-38	328	2	,	,	PUNCT
hi-38	328	3	v.	v.	PROPN
hi-38	328	4	,	,	PUNCT
hi-38	328	5	&	&	CCONJ
hi-38	328	6	naqvi	naqvi	NOUN
hi-38	328	7	,	,	PUNCT
hi-38	328	8	h.	h.	PROPN
hi-38	328	9	(	(	PUNCT
hi-38	328	10	2012	2012	NUM
hi-38	328	11	)	)	PUNCT
hi-38	328	12	.	.	PUNCT
hi-38	329	1	the	the	DET
hi-38	329	2	seeds	seed	NOUN
hi-38	329	3	of	of	ADP
hi-38	329	4	a	a	DET
hi-38	329	5	crisis	crisis	NOUN
hi-38	329	6	:	:	PUNCT
hi-38	329	7	a	a	DET
hi-38	329	8	theory	theory	NOUN
hi-38	329	9	of	of	ADP
hi-38	329	10	bank	bank	NOUN
hi-38	329	11	liquidity	liquidity	NOUN
hi-38	329	12	and	and	CCONJ
hi-38	329	13	risk	risk	NOUN
hi-38	329	14	taking	take	VERB
hi-38	329	15	over	over	ADP
hi-38	329	16	the	the	DET
hi-38	329	17	business	business	NOUN
hi-38	329	18	cycle	cycle	NOUN
hi-38	329	19	.	.	PUNCT
hi-38	330	1	journal	journal	NOUN
hi-38	330	2	of	of	ADP
hi-38	330	3	financial	financial	ADJ
hi-38	330	4	economics	economic	NOUN
hi-38	330	5	,	,	PUNCT
hi-38	330	6	106(2	106(2	NUM
hi-38	330	7	)	)	PUNCT
hi-38	330	8	,	,	PUNCT
hi-38	330	9	349366	349366	NUM
hi-38	330	10	.	.	PUNCT
hi-38	331	1	adrian	adrian	PROPN
hi-38	331	2	,	,	PUNCT
hi-38	331	3	t.	t.	PROPN
hi-38	331	4	,	,	PUNCT
hi-38	331	5	&	&	CCONJ
hi-38	331	6	shin	shin	PROPN
hi-38	331	7	,	,	PUNCT
hi-38	331	8	h.	h.	PROPN
hi-38	331	9	s.	s.	PROPN
hi-38	331	10	(	(	PUNCT
hi-38	331	11	2010	2010	NUM
hi-38	331	12	)	)	PUNCT
hi-38	331	13	.	.	PUNCT
hi-38	332	1	liquidity	liquidity	NOUN
hi-38	332	2	and	and	CCONJ
hi-38	332	3	leverage	leverage	NOUN
hi-38	332	4	.	.	PUNCT
hi-38	333	1	journal	journal	NOUN
hi-38	333	2	of	of	ADP
hi-38	333	3	financial	financial	ADJ
hi-38	333	4	intermediation	intermediation	NOUN
hi-38	333	5	,	,	PUNCT
hi-38	333	6	19(3	19(3	NUM
hi-38	333	7	)	)	PUNCT
hi-38	333	8	,	,	PUNCT
hi-38	333	9	418	418	NUM
hi-38	333	10	-	-	SYM
hi-38	333	11	437	437	NUM
hi-38	333	12	.	.	PUNCT
hi-38	334	1	adusei	adusei	PROPN
hi-38	334	2	,	,	PUNCT
hi-38	334	3	m.	m.	NOUN
hi-38	334	4	(	(	PUNCT
hi-38	334	5	2015	2015	NUM
hi-38	334	6	)	)	PUNCT
hi-38	334	7	.	.	PUNCT
hi-38	335	1	the	the	DET
hi-38	335	2	impact	impact	NOUN
hi-38	335	3	of	of	ADP
hi-38	335	4	bank	bank	NOUN
hi-38	335	5	size	size	NOUN
hi-38	335	6	and	and	CCONJ
hi-38	335	7	funding	funding	NOUN
hi-38	335	8	risk	risk	NOUN
hi-38	335	9	on	on	ADP
hi-38	335	10	bank	bank	NOUN
hi-38	335	11	stability	stability	NOUN
hi-38	335	12	.	.	PUNCT
hi-38	336	1	cogent	cogent	NOUN
hi-38	336	2	economics	economics	PROPN
hi-38	336	3	&	&	CCONJ
hi-38	336	4	finance	finance	PROPN
hi-38	336	5	,	,	PUNCT
hi-38	336	6	3(1	3(1	NUM
hi-38	336	7	)	)	PUNCT
hi-38	336	8	,	,	PUNCT
hi-38	336	9	1111489	1111489	NUM
hi-38	336	10	.	.	PUNCT
hi-38	337	1	ahmad	ahmad	PROPN
hi-38	337	2	,	,	PUNCT
hi-38	337	3	i.	i.	PROPN
hi-38	337	4	,	,	PUNCT
hi-38	337	5	salam	salam	PROPN
hi-38	337	6	,	,	PUNCT
hi-38	337	7	s.	s.	PROPN
hi-38	337	8	,	,	PUNCT
hi-38	337	9	ahmad	ahmad	PROPN
hi-38	337	10	,	,	PUNCT
hi-38	337	11	a.	a.	PROPN
hi-38	337	12	,	,	PUNCT
hi-38	337	13	&	&	CCONJ
hi-38	337	14	abbas	abbas	PROPN
hi-38	337	15	,	,	PUNCT
hi-38	337	16	s.	s.	PROPN
hi-38	337	17	(	(	PUNCT
hi-38	337	18	2019	2019	NUM
hi-38	337	19	)	)	PUNCT
hi-38	337	20	.	.	PUNCT
hi-38	338	1	the	the	DET
hi-38	338	2	nexus	nexus	NOUN
hi-38	338	3	between	between	ADP
hi-38	338	4	credit	credit	NOUN
hi-38	338	5	risk	risk	NOUN
hi-38	338	6	and	and	CCONJ
hi-38	338	7	liquidity	liquidity	NOUN
hi-38	338	8	risk	risk	NOUN
hi-38	338	9	and	and	CCONJ
hi-38	338	10	their	their	PRON
hi-38	338	11	impact	impact	NOUN
hi-38	338	12	on	on	ADP
hi-38	338	13	banks	bank	NOUN
hi-38	338	14	financial	financial	ADJ
hi-38	338	15	performance	performance	NOUN
hi-38	338	16	:	:	PUNCT
hi-38	338	17	evidence	evidence	NOUN
hi-38	338	18	from	from	ADP
hi-38	338	19	pakistan	pakistan	PROPN
hi-38	338	20	.	.	PUNCT
hi-38	339	1	sarhad	sarhad	ADJ
hi-38	339	2	journal	journal	PROPN
hi-38	339	3	of	of	ADP
hi-38	339	4	management	management	NOUN
hi-38	339	5	sciences	science	NOUN
hi-38	339	6	,	,	PUNCT
hi-38	339	7	5(1	5(1	NUM
hi-38	339	8	)	)	PUNCT
hi-38	339	9	,	,	PUNCT
hi-38	339	10	67	67	NUM
hi-38	339	11	-	-	SYM
hi-38	339	12	86	86	NUM
hi-38	339	13	.	.	PUNCT
hi-38	340	1	aikman	aikman	PROPN
hi-38	340	2	,	,	PUNCT
hi-38	340	3	d.	d.	PROPN
hi-38	340	4	,	,	PUNCT
hi-38	340	5	bridges	bridge	NOUN
hi-38	340	6	,	,	PUNCT
hi-38	340	7	j.	j.	PROPN
hi-38	340	8	,	,	PUNCT
hi-38	340	9	kashyap	kashyap	PROPN
hi-38	340	10	,	,	PUNCT
hi-38	340	11	a.	a.	PROPN
hi-38	340	12	,	,	PUNCT
hi-38	340	13	&	&	CCONJ
hi-38	340	14	siegert	siegert	PROPN
hi-38	340	15	,	,	PUNCT
hi-38	340	16	c.	c.	NOUN
hi-38	340	17	(	(	PUNCT
hi-38	340	18	2019	2019	NUM
hi-38	340	19	)	)	PUNCT
hi-38	340	20	.	.	PUNCT
hi-38	341	1	would	would	AUX
hi-38	341	2	macroprudential	macroprudential	ADJ
hi-38	341	3	regulation	regulation	NOUN
hi-38	341	4	have	have	AUX
hi-38	341	5	prevented	prevent	VERB
hi-38	341	6	the	the	DET
hi-38	341	7	last	last	ADJ
hi-38	341	8	crisis	crisis	NOUN
hi-38	341	9	?	?	PUNCT
hi-38	341	10	.	.	PUNCT
hi-38	342	1	journal	journal	PROPN
hi-38	342	2	of	of	ADP
hi-38	342	3	economic	economic	ADJ
hi-38	342	4	perspectives	perspective	NOUN
hi-38	342	5	,	,	PUNCT
hi-38	342	6	33(1	33(1	NUM
hi-38	342	7	)	)	PUNCT
hi-38	342	8	,	,	PUNCT
hi-38	342	9	107	107	NUM
hi-38	342	10	-	-	SYM
hi-38	342	11	30	30	NUM
hi-38	342	12	.	.	PUNCT
hi-38	343	1	al	al	PROPN
hi-38	343	2	-	-	PUNCT
hi-38	343	3	suwailem	suwailem	NOUN
hi-38	343	4	,	,	PUNCT
hi-38	343	5	s.	s.	PROPN
hi-38	343	6	(	(	PUNCT
hi-38	343	7	2006	2006	NUM
hi-38	343	8	)	)	PUNCT
hi-38	343	9	.	.	PUNCT
hi-38	344	1	hedging	hedge	VERB
hi-38	344	2	in	in	ADP
hi-38	344	3	islamic	islamic	ADJ
hi-38	344	4	finance	finance	PROPN
hi-38	344	5	(	(	PUNCT
hi-38	344	6	vol	vol	NOUN
hi-38	344	7	.	.	PROPN
hi-38	344	8	10	10	NUM
hi-38	344	9	)	)	PUNCT
hi-38	344	10	.	.	PUNCT
hi-38	345	1	islamic	islamic	PROPN
hi-38	345	2	development	development	PROPN
hi-38	345	3	bank	bank	PROPN
hi-38	345	4	,	,	PUNCT
hi-38	345	5	islamic	islamic	ADJ
hi-38	345	6	research	research	NOUN
hi-38	345	7	and	and	CCONJ
hi-38	345	8	training	training	NOUN
hi-38	345	9	institute	institute	NOUN
hi-38	345	10	.	.	PUNCT
hi-38	346	1	al	al	PROPN
hi-38	346	2	-	-	PUNCT
hi-38	346	3	zuhaylî	zuhaylî	PROPN
hi-38	346	4	,	,	PUNCT
hi-38	346	5	w.	w.	PROPN
hi-38	346	6	(	(	PUNCT
hi-38	346	7	1989	1989	NUM
hi-38	346	8	)	)	PUNCT
hi-38	346	9	.	.	PUNCT
hi-38	347	1	al	al	PROPN
hi-38	347	2	-	-	PUNCT
hi-38	347	3	fiqh	fiqh	PROPN
hi-38	347	4	al	al	PROPN
hi-38	347	5	-	-	PUNCT
hi-38	347	6	islâmî	islâmî	NOUN
hi-38	347	7	wa	wa	ADJ
hi-38	347	8	adillatuh	adillatuh	NOUN
hi-38	347	9	.	.	PUNCT
hi-38	348	1	juz	juz	PROPN
hi-38	348	2	vi	vi	PROPN
hi-38	348	3	&	&	CCONJ
hi-38	348	4	viii	viii	PROPN
hi-38	348	5	,	,	PUNCT
hi-38	348	6	damaskus	damasku	NOUN
hi-38	348	7	:	:	PUNCT
hi-38	348	8	dâr	dâr	PROPN
hi-38	348	9	al	al	PROPN
hi-38	348	10	-	-	PUNCT
hi-38	348	11	fikr	fikr	PROPN
hi-38	348	12	.	.	PUNCT
hi-38	349	1	ariffin	ariffin	PROPN
hi-38	349	2	,	,	PUNCT
hi-38	349	3	n.	n.	NOUN
hi-38	349	4	m.	m.	NOUN
hi-38	349	5	,	,	PUNCT
hi-38	349	6	archer	archer	PROPN
hi-38	349	7	,	,	PUNCT
hi-38	349	8	s.	s.	PROPN
hi-38	349	9	,	,	PUNCT
hi-38	349	10	&	&	CCONJ
hi-38	349	11	karim	karim	PROPN
hi-38	349	12	,	,	PUNCT
hi-38	349	13	r.	r.	PROPN
hi-38	349	14	a.	a.	PROPN
hi-38	349	15	a.	a.	PROPN
hi-38	349	16	(	(	PUNCT
hi-38	349	17	2009	2009	NUM
hi-38	349	18	)	)	PUNCT
hi-38	349	19	.	.	PUNCT
hi-38	350	1	risks	risk	NOUN
hi-38	350	2	in	in	ADP
hi-38	350	3	islamic	islamic	ADJ
hi-38	350	4	banks	bank	NOUN
hi-38	350	5	:	:	PUNCT
hi-38	350	6	evidence	evidence	NOUN
hi-38	350	7	from	from	ADP
hi-38	350	8	empirical	empirical	ADJ
hi-38	350	9	research	research	NOUN
hi-38	350	10	.	.	PUNCT
hi-38	351	1	journal	journal	NOUN
hi-38	351	2	of	of	ADP
hi-38	351	3	banking	banking	NOUN
hi-38	351	4	regulation	regulation	NOUN
hi-38	351	5	,	,	PUNCT
hi-38	351	6	10(2	10(2	NUM
hi-38	351	7	)	)	PUNCT
hi-38	351	8	,	,	PUNCT
hi-38	351	9	153	153	NUM
hi-38	351	10	-	-	SYM
hi-38	351	11	163	163	NUM
hi-38	351	12	.	.	PUNCT
hi-38	352	1	basel	basel	PROPN
hi-38	352	2	committee	committee	PROPN
hi-38	352	3	.	.	PUNCT
hi-38	353	1	(	(	PUNCT
hi-38	353	2	2010	2010	NUM
hi-38	353	3	)	)	PUNCT
hi-38	353	4	.	.	PUNCT
hi-38	354	1	basel	basel	PROPN
hi-38	354	2	iii	iii	PROPN
hi-38	354	3	:	:	PUNCT
hi-38	354	4	a	a	DET
hi-38	354	5	global	global	ADJ
hi-38	354	6	regulatory	regulatory	ADJ
hi-38	354	7	framework	framework	NOUN
hi-38	354	8	for	for	ADP
hi-38	354	9	more	more	ADV
hi-38	354	10	resilient	resilient	ADJ
hi-38	354	11	banks	bank	NOUN
hi-38	354	12	and	and	CCONJ
hi-38	354	13	banking	banking	NOUN
hi-38	354	14	systems	system	NOUN
hi-38	354	15	.	.	PUNCT
hi-38	355	1	basel	basel	PROPN
hi-38	355	2	committee	committee	PROPN
hi-38	355	3	on	on	ADP
hi-38	355	4	banking	banking	NOUN
hi-38	355	5	supervision	supervision	NOUN
hi-38	355	6	,	,	PUNCT
hi-38	355	7	basel	basel	PROPN
hi-38	355	8	.	.	PUNCT
hi-38	355	9	basheer	basheer	PROPN
hi-38	355	10	,	,	PUNCT
hi-38	355	11	m.	m.	PROPN
hi-38	355	12	f.	f.	PROPN
hi-38	355	13	,	,	PUNCT
hi-38	355	14	hidthiir	hidthiir	PROPN
hi-38	355	15	,	,	PUNCT
hi-38	355	16	m.	m.	PROPN
hi-38	355	17	h.	h.	PROPN
hi-38	355	18	,	,	PUNCT
hi-38	355	19	&	&	CCONJ
hi-38	355	20	waemustafa	waemustafa	PROPN
hi-38	355	21	,	,	PUNCT
hi-38	355	22	w.	w.	PROPN
hi-38	355	23	(	(	PUNCT
hi-38	355	24	2019	2019	NUM
hi-38	355	25	)	)	PUNCT
hi-38	355	26	.	.	PUNCT
hi-38	356	1	impact	impact	NOUN
hi-38	356	2	of	of	ADP
hi-38	356	3	bank	bank	NOUN
hi-38	356	4	regulatory	regulatory	ADJ
hi-38	356	5	change	change	NOUN
hi-38	356	6	and	and	CCONJ
hi-38	356	7	bank	bank	NOUN
hi-38	356	8	specific	specific	ADJ
hi-38	356	9	factors	factor	NOUN
hi-38	356	10	upon	upon	SCONJ
hi-38	356	11	off	off	ADP
hi-38	356	12	-	-	PUNCT
hi-38	356	13	balance	balance	NOUN
hi-38	356	14	-	-	PUNCT
hi-38	356	15	sheet	sheet	NOUN
hi-38	356	16	activities	activity	NOUN
hi-38	356	17	across	across	ADP
hi-38	356	18	commercial	commercial	ADJ
hi-38	356	19	banks	bank	NOUN
hi-38	356	20	in	in	ADP
hi-38	356	21	south	south	PROPN
hi-38	356	22	asia	asia	PROPN
hi-38	356	23	.	.	PUNCT
hi-38	357	1	asian	asian	ADJ
hi-38	357	2	economic	economic	ADJ
hi-38	357	3	and	and	CCONJ
hi-38	357	4	financial	financial	ADJ
hi-38	357	5	review	review	NOUN
hi-38	357	6	,	,	PUNCT
hi-38	357	7	9(4	9(4	NUM
hi-38	357	8	)	)	PUNCT
hi-38	357	9	,	,	PUNCT
hi-38	357	10	419	419	NUM
hi-38	357	11	.	.	PUNCT
hi-38	358	1	basheer	basheer	PROPN
hi-38	358	2	,	,	PUNCT
hi-38	358	3	m.	m.	PROPN
hi-38	358	4	f.	f.	PROPN
hi-38	358	5	,	,	PUNCT
hi-38	358	6	khorrami	khorrami	PROPN
hi-38	358	7	,	,	PUNCT
hi-38	358	8	a.	a.	NOUN
hi-38	358	9	a.	a.	NOUN
hi-38	358	10	a.	a.	PROPN
hi-38	358	11	,	,	PUNCT
hi-38	358	12	&	&	CCONJ
hi-38	358	13	hassan	hassan	PROPN
hi-38	358	14	,	,	PUNCT
hi-38	358	15	s.	s.	PROPN
hi-38	358	16	g.	g.	PROPN
hi-38	358	17	(	(	PUNCT
hi-38	358	18	2018	2018	NUM
hi-38	358	19	)	)	PUNCT
hi-38	358	20	.	.	PUNCT
hi-38	359	1	patronage	patronage	NOUN
hi-38	359	2	factors	factor	NOUN
hi-38	359	3	of	of	ADP
hi-38	359	4	islamic	islamic	ADJ
hi-38	359	5	banking	banking	NOUN
hi-38	359	6	system	system	NOUN
hi-38	359	7	in	in	ADP
hi-38	359	8	pakistan	pakistan	PROPN
hi-38	359	9	.	.	PUNCT
hi-38	360	1	academy	academy	PROPN
hi-38	360	2	of	of	ADP
hi-38	360	3	accounting	accounting	PROPN
hi-38	360	4	and	and	CCONJ
hi-38	360	5	financial	financial	ADJ
hi-38	360	6	studies	study	NOUN
hi-38	360	7	journal	journal	NOUN
hi-38	360	8	.	.	PUNCT
hi-38	361	1	bawa	bawa	PROPN
hi-38	361	2	,	,	PUNCT
hi-38	361	3	j.	j.	PROPN
hi-38	361	4	k.	k.	PROPN
hi-38	361	5	,	,	PUNCT
hi-38	361	6	&	&	CCONJ
hi-38	361	7	basu	basu	PROPN
hi-38	361	8	,	,	PUNCT
hi-38	361	9	s.	s.	PROPN
hi-38	361	10	(	(	PUNCT
hi-38	361	11	2019	2019	NUM
hi-38	361	12	)	)	PUNCT
hi-38	361	13	.	.	PUNCT
hi-38	362	1	restructuring	restructure	VERB
hi-38	362	2	assets	asset	NOUN
hi-38	362	3	reform	reform	NOUN
hi-38	362	4	,	,	PUNCT
hi-38	362	5	2013	2013	NUM
hi-38	362	6	:	:	PUNCT
hi-38	362	7	impact	impact	NOUN
hi-38	362	8	of	of	ADP
hi-38	362	9	operational	operational	ADJ
hi-38	362	10	ability	ability	NOUN
hi-38	362	11	,	,	PUNCT
hi-38	362	12	liquidity	liquidity	NOUN
hi-38	362	13	,	,	PUNCT
hi-38	362	14	bank	bank	NOUN
hi-38	362	15	capital	capital	NOUN
hi-38	362	16	,	,	PUNCT
hi-38	362	17	profitability	profitability	NOUN
hi-38	362	18	and	and	CCONJ
hi-38	362	19	capital	capital	NOUN
hi-38	362	20	on	on	ADP
hi-38	362	21	bank	bank	NOUN
hi-38	362	22	credit	credit	NOUN
hi-38	362	23	risk	risk	NOUN
hi-38	362	24	.	.	PUNCT
hi-38	363	1	iimb	iimb	PROPN
hi-38	363	2	management	management	PROPN
hi-38	363	3	review	review	PROPN
hi-38	363	4	.	.	PUNCT
hi-38	364	1	berger	berger	PROPN
hi-38	364	2	,	,	PUNCT
hi-38	364	3	a.	a.	PROPN
hi-38	364	4	n.	n.	PROPN
hi-38	364	5	,	,	PUNCT
hi-38	364	6	&	&	CCONJ
hi-38	364	7	bouwman	bouwman	PROPN
hi-38	364	8	,	,	PUNCT
hi-38	364	9	c.	c.	PROPN
hi-38	364	10	h.	h.	PROPN
hi-38	364	11	(	(	PUNCT
hi-38	364	12	2009	2009	NUM
hi-38	364	13	)	)	PUNCT
hi-38	364	14	.	.	PUNCT
hi-38	365	1	bank	bank	NOUN
hi-38	365	2	liquidity	liquidity	NOUN
hi-38	365	3	creation	creation	NOUN
hi-38	365	4	.	.	PUNCT
hi-38	366	1	the	the	DET
hi-38	366	2	review	review	NOUN
hi-38	366	3	of	of	ADP
hi-38	366	4	financial	financial	ADJ
hi-38	366	5	studies	study	NOUN
hi-38	366	6	,	,	PUNCT
hi-38	366	7	22(9	22(9	NUM
hi-38	366	8	)	)	PUNCT
hi-38	366	9	,	,	PUNCT
hi-38	366	10	3779	3779	NUM
hi-38	366	11	-	-	SYM
hi-38	366	12	3837	3837	NUM
hi-38	366	13	.	.	PUNCT
hi-38	367	1	boudt	boudt	NOUN
hi-38	367	2	,	,	PUNCT
hi-38	367	3	k.	k.	PROPN
hi-38	367	4	,	,	PUNCT
hi-38	367	5	paulus	paulus	PROPN
hi-38	367	6	,	,	PUNCT
hi-38	367	7	e.	e.	PROPN
hi-38	367	8	c.	c.	PROPN
hi-38	367	9	,	,	PUNCT
hi-38	367	10	&	&	CCONJ
hi-38	367	11	rosenthal	rosenthal	PROPN
hi-38	367	12	,	,	PUNCT
hi-38	367	13	d.	d.	PROPN
hi-38	367	14	w.	w.	PROPN
hi-38	367	15	(	(	PUNCT
hi-38	367	16	2017	2017	NUM
hi-38	367	17	)	)	PUNCT
hi-38	367	18	.	.	PUNCT
hi-38	368	1	funding	funding	NOUN
hi-38	368	2	liquidity	liquidity	NOUN
hi-38	368	3	,	,	PUNCT
hi-38	368	4	market	market	NOUN
hi-38	368	5	liquidity	liquidity	NOUN
hi-38	368	6	and	and	CCONJ
hi-38	368	7	ted	te	VERB
hi-38	368	8	spread	spread	VERB
hi-38	368	9	:	:	PUNCT
hi-38	368	10	a	a	DET
hi-38	368	11	two	two	NUM
hi-38	368	12	-	-	PUNCT
hi-38	368	13	regime	regime	NOUN
hi-38	368	14	model	model	NOUN
hi-38	368	15	.	.	PUNCT
hi-38	369	1	journal	journal	PROPN
hi-38	369	2	of	of	ADP
hi-38	369	3	empirical	empirical	ADJ
hi-38	369	4	finance	finance	NOUN
hi-38	369	5	,	,	PUNCT
hi-38	369	6	43	43	NUM
hi-38	369	7	,	,	PUNCT
hi-38	369	8	143158	143158	NUM
hi-38	369	9	.	.	PUNCT
hi-38	370	1	brunnermeier	brunnermei	ADJ
hi-38	370	2	,	,	PUNCT
hi-38	370	3	m.	m.	PROPN
hi-38	370	4	k.	k.	PROPN
hi-38	370	5	(	(	PUNCT
hi-38	370	6	2009	2009	NUM
hi-38	370	7	)	)	PUNCT
hi-38	370	8	.	.	PUNCT
hi-38	371	1	deciphering	decipher	VERB
hi-38	371	2	the	the	DET
hi-38	371	3	liquidity	liquidity	NOUN
hi-38	371	4	and	and	CCONJ
hi-38	371	5	credit	credit	NOUN
hi-38	371	6	crunch	crunch	NOUN
hi-38	371	7	2007	2007	NUM
hi-38	371	8	-	-	SYM
hi-38	371	9	2008	2008	NUM
hi-38	371	10	.	.	PUNCT
hi-38	372	1	journal	journal	NOUN
hi-38	372	2	of	of	ADP
hi-38	372	3	economic	economic	ADJ
hi-38	372	4	perspectives	perspective	NOUN
hi-38	372	5	,	,	PUNCT
hi-38	372	6	23(1	23(1	NUM
hi-38	372	7	)	)	PUNCT
hi-38	372	8	,	,	PUNCT
hi-38	372	9	77	77	NUM
hi-38	372	10	-	-	SYM
hi-38	372	11	100	100	NUM
hi-38	372	12	.	.	PUNCT
hi-38	373	1	brunnermeier	brunnermei	ADJ
hi-38	373	2	,	,	PUNCT
hi-38	373	3	m.	m.	NOUN
hi-38	373	4	k.	k.	PROPN
hi-38	373	5	,	,	PUNCT
hi-38	373	6	&	&	CCONJ
hi-38	373	7	pedersen	pedersen	PROPN
hi-38	373	8	,	,	PUNCT
hi-38	373	9	l.	l.	PROPN
hi-38	373	10	h.	h.	PROPN
hi-38	374	1	(	(	PUNCT
hi-38	374	2	2009	2009	NUM
hi-38	374	3	)	)	PUNCT
hi-38	374	4	.	.	PUNCT
hi-38	375	1	market	market	NOUN
hi-38	375	2	liquidity	liquidity	NOUN
hi-38	375	3	and	and	CCONJ
hi-38	375	4	funding	funding	NOUN
hi-38	375	5	liquidity	liquidity	NOUN
hi-38	375	6	.	.	PUNCT
hi-38	376	1	the	the	DET
hi-38	376	2	review	review	NOUN
hi-38	376	3	of	of	ADP
hi-38	376	4	financial	financial	ADJ
hi-38	376	5	studies	study	NOUN
hi-38	376	6	,	,	PUNCT
hi-38	376	7	22(6	22(6	NUM
hi-38	376	8	)	)	PUNCT
hi-38	376	9	,	,	PUNCT
hi-38	376	10	2201	2201	NUM
hi-38	376	11	-	-	SYM
hi-38	376	12	2238	2238	NUM
hi-38	376	13	.	.	PUNCT
hi-38	377	1	buch	buch	PROPN
hi-38	377	2	,	,	PUNCT
hi-38	377	3	c.	c.	PROPN
hi-38	377	4	m.	m.	NOUN
hi-38	377	5	,	,	PUNCT
hi-38	377	6	&	&	CCONJ
hi-38	377	7	goldberg	goldberg	PROPN
hi-38	377	8	,	,	PUNCT
hi-38	377	9	l.	l.	PROPN
hi-38	377	10	s.	s.	PROPN
hi-38	377	11	(	(	PUNCT
hi-38	377	12	2015	2015	NUM
hi-38	377	13	)	)	PUNCT
hi-38	377	14	.	.	PUNCT
hi-38	378	1	mini	mini	NOUN
hi-38	378	2	-	-	NOUN
hi-38	378	3	symposium	symposium	NOUN
hi-38	378	4	on	on	ADP
hi-38	378	5	international	international	ADJ
hi-38	378	6	banking	banking	NOUN
hi-38	378	7	.	.	PUNCT
hi-38	379	1	imf	imf	PROPN
hi-38	379	2	economic	economic	PROPN
hi-38	379	3	review	review	PROPN
hi-38	379	4	,	,	PUNCT
hi-38	379	5	63(3	63(3	NUM
hi-38	379	6	)	)	PUNCT
hi-38	379	7	,	,	PUNCT
hi-38	379	8	375	375	NUM
hi-38	379	9	-	-	SYM
hi-38	379	10	376	376	NUM
hi-38	379	11	.	.	NOUN
hi-38	379	12	100	100	NUM
hi-38	379	13	the	the	DET
hi-38	379	14	funding	funding	NOUN
hi-38	379	15	liquidity	liquidity	NOUN
hi-38	379	16	risk	risk	NOUN
hi-38	379	17	...	...	PUNCT
hi-38	380	1	chen	chen	PROPN
hi-38	380	2	,	,	PUNCT
hi-38	380	3	y.	y.	PROPN
hi-38	380	4	k.	k.	PROPN
hi-38	380	5	,	,	PUNCT
hi-38	380	6	shen	shen	PROPN
hi-38	380	7	,	,	PUNCT
hi-38	380	8	c.	c.	PROPN
hi-38	380	9	h.	h.	PROPN
hi-38	380	10	,	,	PUNCT
hi-38	380	11	kao	kao	PROPN
hi-38	380	12	,	,	PUNCT
hi-38	380	13	l.	l.	PROPN
hi-38	380	14	,	,	PUNCT
hi-38	380	15	&	&	CCONJ
hi-38	380	16	yeh	yeh	PROPN
hi-38	380	17	,	,	PUNCT
hi-38	380	18	c.	c.	PROPN
hi-38	380	19	y.	y.	PROPN
hi-38	380	20	(	(	PUNCT
hi-38	380	21	2018	2018	NUM
hi-38	380	22	)	)	PUNCT
hi-38	380	23	.	.	PUNCT
hi-38	381	1	bank	bank	NOUN
hi-38	381	2	liquidity	liquidity	NOUN
hi-38	381	3	risk	risk	NOUN
hi-38	381	4	and	and	CCONJ
hi-38	381	5	performance	performance	NOUN
hi-38	381	6	.	.	PUNCT
hi-38	382	1	review	review	NOUN
hi-38	382	2	of	of	ADP
hi-38	382	3	pacific	pacific	PROPN
hi-38	382	4	basin	basin	PROPN
hi-38	382	5	financial	financial	ADJ
hi-38	382	6	markets	market	NOUN
hi-38	382	7	and	and	CCONJ
hi-38	382	8	policies	policy	NOUN
hi-38	382	9	,	,	PUNCT
hi-38	382	10	21(01	21(01	NUM
hi-38	382	11	)	)	PUNCT
hi-38	382	12	,	,	PUNCT
hi-38	382	13	1850007	1850007	NUM
hi-38	382	14	.	.	PUNCT
hi-38	383	1	chiaramonte	chiaramonte	PROPN
hi-38	383	2	,	,	PUNCT
hi-38	383	3	l.	l.	PROPN
hi-38	383	4	(	(	PUNCT
hi-38	383	5	2018	2018	NUM
hi-38	383	6	)	)	PUNCT
hi-38	383	7	.	.	PUNCT
hi-38	384	1	the	the	DET
hi-38	384	2	concept	concept	NOUN
hi-38	384	3	of	of	ADP
hi-38	384	4	bank	bank	NOUN
hi-38	384	5	liquidity	liquidity	NOUN
hi-38	384	6	and	and	CCONJ
hi-38	384	7	its	its	PRON
hi-38	384	8	risk	risk	NOUN
hi-38	384	9	.	.	PUNCT
hi-38	385	1	in	in	ADP
hi-38	385	2	bank	bank	NOUN
hi-38	385	3	liquidity	liquidity	NOUN
hi-38	385	4	and	and	CCONJ
hi-38	385	5	the	the	DET
hi-38	385	6	global	global	ADJ
hi-38	385	7	financial	financial	ADJ
hi-38	385	8	crisis	crisis	NOUN
hi-38	385	9	(	(	PUNCT
hi-38	385	10	pp	pp	ADJ
hi-38	385	11	.	.	PUNCT
hi-38	385	12	5	5	NUM
hi-38	385	13	-	-	SYM
hi-38	385	14	34	34	NUM
hi-38	385	15	)	)	PUNCT
hi-38	385	16	.	.	PUNCT
hi-38	386	1	palgrave	palgrave	PROPN
hi-38	386	2	macmillan	macmillan	PROPN
hi-38	386	3	,	,	PUNCT
hi-38	386	4	cham	cham	PROPN
hi-38	386	5	.	.	PUNCT
hi-38	387	1	dahir	dahir	PROPN
hi-38	387	2	,	,	PUNCT
hi-38	387	3	a.	a.	NOUN
hi-38	387	4	m.	m.	NOUN
hi-38	387	5	,	,	PUNCT
hi-38	387	6	mahat	mahat	PROPN
hi-38	387	7	,	,	PUNCT
hi-38	387	8	f.	f.	PROPN
hi-38	387	9	b.	b.	PROPN
hi-38	387	10	,	,	PUNCT
hi-38	387	11	&	&	CCONJ
hi-38	387	12	ali	ali	PROPN
hi-38	387	13	,	,	PUNCT
hi-38	387	14	n.	n.	PROPN
hi-38	387	15	a.	a.	PROPN
hi-38	387	16	b.	b.	PROPN
hi-38	388	1	(	(	PUNCT
hi-38	388	2	2018	2018	NUM
hi-38	388	3	)	)	PUNCT
hi-38	388	4	.	.	PUNCT
hi-38	389	1	funding	fund	VERB
hi-38	389	2	liquidity	liquidity	NOUN
hi-38	389	3	risk	risk	NOUN
hi-38	389	4	and	and	CCONJ
hi-38	389	5	bank	bank	NOUN
hi-38	389	6	risk	risk	NOUN
hi-38	389	7	-	-	PUNCT
hi-38	389	8	taking	taking	NOUN
hi-38	389	9	in	in	ADP
hi-38	389	10	brics	bric	NOUN
hi-38	389	11	countries	country	NOUN
hi-38	389	12	.	.	PUNCT
hi-38	390	1	international	international	ADJ
hi-38	390	2	journal	journal	NOUN
hi-38	390	3	of	of	ADP
hi-38	390	4	emerging	emerge	VERB
hi-38	390	5	markets	market	NOUN
hi-38	390	6	.	.	PUNCT
hi-38	391	1	diamond	diamond	NOUN
hi-38	391	2	,	,	PUNCT
hi-38	391	3	d.	d.	PROPN
hi-38	391	4	w.	w.	PROPN
hi-38	391	5	,	,	PUNCT
hi-38	391	6	&	&	CCONJ
hi-38	391	7	dybvig	dybvig	PROPN
hi-38	391	8	,	,	PUNCT
hi-38	391	9	p.	p.	NOUN
hi-38	391	10	h.	h.	PROPN
hi-38	392	1	(	(	PUNCT
hi-38	392	2	1983	1983	NUM
hi-38	392	3	)	)	PUNCT
hi-38	392	4	.	.	PUNCT
hi-38	393	1	bank	bank	NOUN
hi-38	393	2	runs	run	NOUN
hi-38	393	3	,	,	PUNCT
hi-38	393	4	deposit	deposit	NOUN
hi-38	393	5	insurance	insurance	NOUN
hi-38	393	6	,	,	PUNCT
hi-38	393	7	and	and	CCONJ
hi-38	393	8	liquidity	liquidity	NOUN
hi-38	393	9	.	.	PUNCT
hi-38	394	1	journal	journal	NOUN
hi-38	394	2	of	of	ADP
hi-38	394	3	political	political	ADJ
hi-38	394	4	economy	economy	NOUN
hi-38	394	5	,	,	PUNCT
hi-38	394	6	91(3	91(3	NUM
hi-38	394	7	)	)	PUNCT
hi-38	394	8	,	,	PUNCT
hi-38	394	9	401	401	NUM
hi-38	394	10	-	-	SYM
hi-38	394	11	419	419	NUM
hi-38	394	12	.	.	PUNCT
hi-38	395	1	drehmann	drehmann	PROPN
hi-38	395	2	,	,	PUNCT
hi-38	395	3	m.	m.	NOUN
hi-38	395	4	,	,	PUNCT
hi-38	395	5	&	&	CCONJ
hi-38	395	6	nikolaou	nikolaou	PROPN
hi-38	395	7	,	,	PUNCT
hi-38	395	8	k.	k.	PROPN
hi-38	395	9	(	(	PUNCT
hi-38	395	10	2013	2013	NUM
hi-38	395	11	)	)	PUNCT
hi-38	395	12	.	.	PUNCT
hi-38	396	1	funding	fund	VERB
hi-38	396	2	liquidity	liquidity	NOUN
hi-38	396	3	risk	risk	NOUN
hi-38	396	4	:	:	PUNCT
hi-38	396	5	definition	definition	NOUN
hi-38	396	6	and	and	CCONJ
hi-38	396	7	measurement	measurement	NOUN
hi-38	396	8	.	.	PUNCT
hi-38	397	1	journal	journal	PROPN
hi-38	397	2	of	of	ADP
hi-38	397	3	banking	banking	NOUN
hi-38	397	4	&	&	CCONJ
hi-38	397	5	finance	finance	PROPN
hi-38	397	6	,	,	PUNCT
hi-38	397	7	37(7	37(7	NUM
hi-38	397	8	)	)	PUNCT
hi-38	397	9	,	,	PUNCT
hi-38	397	10	2173	2173	NUM
hi-38	397	11	-	-	SYM
hi-38	397	12	2182	2182	NUM
hi-38	397	13	.	.	PUNCT
hi-38	398	1	duffie	duffie	PROPN
hi-38	398	2	,	,	PUNCT
hi-38	398	3	d.	d.	PROPN
hi-38	398	4	(	(	PUNCT
hi-38	398	5	2019	2019	NUM
hi-38	398	6	)	)	PUNCT
hi-38	398	7	.	.	PUNCT
hi-38	399	1	prone	prone	ADJ
hi-38	399	2	to	to	PART
hi-38	399	3	fail	fail	VERB
hi-38	399	4	:	:	PUNCT
hi-38	399	5	the	the	DET
hi-38	399	6	pre	pre	ADJ
hi-38	399	7	-	-	ADJ
hi-38	399	8	crisis	crisis	ADJ
hi-38	399	9	financial	financial	ADJ
hi-38	399	10	system	system	NOUN
hi-38	399	11	.	.	PUNCT
hi-38	400	1	journal	journal	NOUN
hi-38	400	2	of	of	ADP
hi-38	400	3	economic	economic	ADJ
hi-38	400	4	perspectives	perspective	NOUN
hi-38	400	5	,	,	PUNCT
hi-38	400	6	33(1	33(1	NUM
hi-38	400	7	)	)	PUNCT
hi-38	400	8	,	,	PUNCT
hi-38	400	9	81	81	NUM
hi-38	400	10	-	-	SYM
hi-38	400	11	106	106	NUM
hi-38	400	12	.	.	PUNCT
hi-38	401	1	elgari	elgari	PROPN
hi-38	401	2	,	,	PUNCT
hi-38	401	3	m.	m.	NOUN
hi-38	401	4	a.	a.	NOUN
hi-38	401	5	(	(	PUNCT
hi-38	401	6	2003	2003	NUM
hi-38	401	7	)	)	PUNCT
hi-38	401	8	.	.	PUNCT
hi-38	402	1	credit	credit	NOUN
hi-38	402	2	risk	risk	NOUN
hi-38	402	3	in	in	ADP
hi-38	402	4	islamic	islamic	ADJ
hi-38	402	5	banking	banking	NOUN
hi-38	402	6	and	and	CCONJ
hi-38	402	7	finance	finance	NOUN
hi-38	402	8	.	.	PUNCT
hi-38	403	1	islamic	islamic	ADJ
hi-38	403	2	economic	economic	ADJ
hi-38	403	3	studies	study	NOUN
hi-38	403	4	,	,	PUNCT
hi-38	403	5	10(2	10(2	NUM
hi-38	403	6	)	)	PUNCT
hi-38	403	7	.	.	PUNCT
hi-38	404	1	fall	fall	NOUN
hi-38	404	2	,	,	PUNCT
hi-38	404	3	m.	m.	NOUN
hi-38	404	4	,	,	PUNCT
hi-38	404	5	&	&	CCONJ
hi-38	404	6	viviani	viviani	PROPN
hi-38	404	7	,	,	PUNCT
hi-38	404	8	j.	j.	PROPN
hi-38	404	9	l.	l.	PROPN
hi-38	404	10	(	(	PUNCT
hi-38	404	11	2016	2016	NUM
hi-38	404	12	)	)	PUNCT
hi-38	404	13	.	.	PUNCT
hi-38	405	1	a	a	DET
hi-38	405	2	new	new	ADJ
hi-38	405	3	multi	multi	ADJ
hi-38	405	4	-	-	ADJ
hi-38	405	5	factor	factor	ADJ
hi-38	405	6	risk	risk	NOUN
hi-38	405	7	model	model	NOUN
hi-38	405	8	to	to	PART
hi-38	405	9	evaluate	evaluate	VERB
hi-38	405	10	funding	funding	NOUN
hi-38	405	11	liquidity	liquidity	NOUN
hi-38	405	12	risk	risk	NOUN
hi-38	405	13	of	of	ADP
hi-38	405	14	banks	bank	NOUN
hi-38	405	15	.	.	PUNCT
hi-38	406	1	the	the	DET
hi-38	406	2	european	european	PROPN
hi-38	406	3	journal	journal	PROPN
hi-38	406	4	of	of	ADP
hi-38	406	5	finance	finance	NOUN
hi-38	406	6	,	,	PUNCT
hi-38	406	7	22(11	22(11	NUM
hi-38	406	8	)	)	PUNCT
hi-38	406	9	,	,	PUNCT
hi-38	406	10	985	985	NUM
hi-38	406	11	-	-	SYM
hi-38	406	12	1003	1003	NUM
hi-38	406	13	.	.	PUNCT
hi-38	407	1	ghenimi	ghenimi	PROPN
hi-38	407	2	,	,	PUNCT
hi-38	407	3	a.	a.	NOUN
hi-38	407	4	,	,	PUNCT
hi-38	407	5	chaibi	chaibi	NOUN
hi-38	407	6	,	,	PUNCT
hi-38	407	7	h.	h.	PROPN
hi-38	407	8	,	,	PUNCT
hi-38	407	9	&	&	CCONJ
hi-38	407	10	omri	omri	PROPN
hi-38	407	11	,	,	PUNCT
hi-38	407	12	m.	m.	NOUN
hi-38	407	13	a.	a.	PROPN
hi-38	407	14	b.	b.	PROPN
hi-38	407	15	(	(	PUNCT
hi-38	407	16	2017	2017	NUM
hi-38	407	17	)	)	PUNCT
hi-38	407	18	.	.	PUNCT
hi-38	408	1	the	the	DET
hi-38	408	2	effects	effect	NOUN
hi-38	408	3	of	of	ADP
hi-38	408	4	liquidity	liquidity	NOUN
hi-38	408	5	risk	risk	NOUN
hi-38	408	6	and	and	CCONJ
hi-38	408	7	credit	credit	NOUN
hi-38	408	8	risk	risk	NOUN
hi-38	408	9	on	on	ADP
hi-38	408	10	bank	bank	NOUN
hi-38	408	11	stability	stability	NOUN
hi-38	408	12	:	:	PUNCT
hi-38	408	13	evidence	evidence	NOUN
hi-38	408	14	from	from	ADP
hi-38	408	15	the	the	DET
hi-38	408	16	mena	mena	PROPN
hi-38	408	17	region	region	PROPN
hi-38	408	18	.	.	PUNCT
hi-38	409	1	borsa	borsa	PROPN
hi-38	409	2	istanbul	istanbul	PROPN
hi-38	409	3	review	review	PROPN
hi-38	409	4	,	,	PUNCT
hi-38	409	5	17(4	17(4	NUM
hi-38	409	6	)	)	PUNCT
hi-38	409	7	,	,	PUNCT
hi-38	409	8	238	238	NUM
hi-38	409	9	-	-	SYM
hi-38	409	10	248	248	NUM
hi-38	409	11	.	.	PUNCT
hi-38	410	1	gomber	gomber	PROPN
hi-38	410	2	,	,	PUNCT
hi-38	410	3	p.	p.	PROPN
hi-38	410	4	,	,	PUNCT
hi-38	410	5	kauffman	kauffman	PROPN
hi-38	410	6	,	,	PUNCT
hi-38	410	7	r.	r.	PROPN
hi-38	410	8	j.	j.	PROPN
hi-38	410	9	,	,	PUNCT
hi-38	410	10	parker	parker	PROPN
hi-38	410	11	,	,	PUNCT
hi-38	410	12	c.	c.	PROPN
hi-38	410	13	,	,	PUNCT
hi-38	410	14	&	&	CCONJ
hi-38	410	15	weber	weber	PROPN
hi-38	410	16	,	,	PUNCT
hi-38	410	17	b.	b.	PROPN
hi-38	410	18	w.	w.	PROPN
hi-38	410	19	(	(	PUNCT
hi-38	410	20	2018	2018	NUM
hi-38	410	21	)	)	PUNCT
hi-38	410	22	.	.	PUNCT
hi-38	411	1	on	on	ADP
hi-38	411	2	the	the	DET
hi-38	411	3	fintech	fintech	NOUN
hi-38	411	4	revolution	revolution	NOUN
hi-38	411	5	:	:	PUNCT
hi-38	411	6	interpreting	interpret	VERB
hi-38	411	7	the	the	DET
hi-38	411	8	forces	force	NOUN
hi-38	411	9	of	of	ADP
hi-38	411	10	innovation	innovation	NOUN
hi-38	411	11	,	,	PUNCT
hi-38	411	12	disruption	disruption	NOUN
hi-38	411	13	,	,	PUNCT
hi-38	411	14	and	and	CCONJ
hi-38	411	15	transformation	transformation	NOUN
hi-38	411	16	in	in	ADP
hi-38	411	17	financial	financial	ADJ
hi-38	411	18	services	service	NOUN
hi-38	411	19	.	.	PUNCT
hi-38	412	1	journal	journal	PROPN
hi-38	412	2	of	of	ADP
hi-38	412	3	management	management	NOUN
hi-38	412	4	information	information	NOUN
hi-38	412	5	systems	system	NOUN
hi-38	412	6	,	,	PUNCT
hi-38	412	7	35(1	35(1	NUM
hi-38	412	8	)	)	PUNCT
hi-38	412	9	,	,	PUNCT
hi-38	412	10	220265	220265	NUM
hi-38	412	11	.	.	PUNCT
hi-38	413	1	hassan	hassan	PROPN
hi-38	413	2	,	,	PUNCT
hi-38	413	3	m.u	m.u	PROPN
hi-38	413	4	.	.	PROPN
hi-38	413	5	and	and	CCONJ
hi-38	413	6	dzakiria	dzakiria	PROPN
hi-38	413	7	,	,	PUNCT
hi-38	413	8	h.	h.	PROPN
hi-38	413	9	(	(	PUNCT
hi-38	413	10	2019	2019	NUM
hi-38	413	11	)	)	PUNCT
hi-38	413	12	.	.	PUNCT
hi-38	414	1	the	the	DET
hi-38	414	2	university	university	NOUN
hi-38	414	3	students	student	NOUN
hi-38	414	4	’	'	PUNCT
hi-38	414	5	beliefs	belief	NOUN
hi-38	414	6	towards	towards	ADP
hi-38	414	7	corrective	corrective	ADJ
hi-38	414	8	feedback	feedback	NOUN
hi-38	414	9	in	in	ADP
hi-38	414	10	learning	learn	VERB
hi-38	414	11	english	english	PROPN
hi-38	414	12	as	as	ADP
hi-38	414	13	foreign	foreign	ADJ
hi-38	414	14	language	language	NOUN
hi-38	414	15	in	in	ADP
hi-38	414	16	pakistan	pakistan	PROPN
hi-38	414	17	.	.	PUNCT
hi-38	415	1	international	international	ADJ
hi-38	415	2	journal	journal	NOUN
hi-38	415	3	of	of	ADP
hi-38	415	4	recent	recent	ADJ
hi-38	415	5	technology	technology	NOUN
hi-38	415	6	and	and	CCONJ
hi-38	415	7	engineering	engineering	NOUN
hi-38	415	8	,	,	PUNCT
hi-38	415	9	8	8	NUM
hi-38	415	10	(	(	PUNCT
hi-38	415	11	3	3	NUM
hi-38	415	12	)	)	PUNCT
hi-38	415	13	,	,	PUNCT
hi-38	415	14	4094	4094	NUM
hi-38	415	15	-	-	SYM
hi-38	415	16	4100	4100	NUM
hi-38	415	17	.	.	PUNCT
hi-38	416	1	hassan	hassan	PROPN
hi-38	416	2	,	,	PUNCT
hi-38	416	3	m.u	m.u	PROPN
hi-38	416	4	.	.	PROPN
hi-38	416	5	and	and	CCONJ
hi-38	416	6	dzakiria	dzakiria	PROPN
hi-38	416	7	,	,	PUNCT
hi-38	416	8	h.	h.	PROPN
hi-38	416	9	(	(	PUNCT
hi-38	416	10	2020	2020	NUM
hi-38	416	11	)	)	PUNCT
hi-38	416	12	.	.	PUNCT
hi-38	417	1	students	student	NOUN
hi-38	417	2	’	'	PUNCT
hi-38	417	3	beliefs	belief	NOUN
hi-38	417	4	towards	towards	ADP
hi-38	417	5	written	write	VERB
hi-38	417	6	cf	cf	NOUN
hi-38	417	7	and	and	CCONJ
hi-38	417	8	their	their	PRON
hi-38	417	9	impact	impact	NOUN
hi-38	417	10	on	on	ADP
hi-38	417	11	writing	write	VERB
hi-38	417	12	accuracy	accuracy	NOUN
hi-38	417	13	in	in	ADP
hi-38	417	14	efl	efl	PROPN
hi-38	417	15	class	class	NOUN
hi-38	417	16	:	:	PUNCT
hi-38	417	17	a	a	DET
hi-38	417	18	pakistani	pakistani	ADJ
hi-38	417	19	efl	efl	PROPN
hi-38	417	20	context	context	NOUN
hi-38	417	21	.	.	PUNCT
hi-38	418	1	international	international	ADJ
hi-38	418	2	journal	journal	NOUN
hi-38	418	3	of	of	ADP
hi-38	418	4	advanced	advanced	ADJ
hi-38	418	5	science	science	NOUN
hi-38	418	6	and	and	CCONJ
hi-38	418	7	technology	technology	NOUN
hi-38	418	8	,	,	PUNCT
hi-38	418	9	29	29	NUM
hi-38	418	10	(	(	PUNCT
hi-38	418	11	6s	6s	NUM
hi-38	418	12	)	)	PUNCT
hi-38	418	13	,	,	PUNCT
hi-38	418	14	648	648	NUM
hi-38	418	15	-	-	SYM
hi-38	418	16	658	658	NUM
hi-38	418	17	.	.	PUNCT
hi-38	419	1	hassan	hassan	PROPN
hi-38	419	2	m.u	m.u	PROPN
hi-38	419	3	and	and	CCONJ
hi-38	419	4	aziz	aziz	PROPN
hi-38	419	5	,	,	PUNCT
hi-38	419	6	a.a	a.a	PROPN
hi-38	419	7	.	.	PROPN
hi-38	419	8	(	(	PUNCT
hi-38	419	9	2019	2019	NUM
hi-38	419	10	)	)	PUNCT
hi-38	419	11	.	.	PUNCT
hi-38	420	1	investigating	investigate	VERB
hi-38	420	2	the	the	DET
hi-38	420	3	use	use	NOUN
hi-38	420	4	of	of	ADP
hi-38	420	5	computer	computer	NOUN
hi-38	420	6	technology	technology	NOUN
hi-38	420	7	for	for	ADP
hi-38	420	8	e	e	NOUN
hi-38	420	9	-	-	NOUN
hi-38	420	10	learning	learn	VERB
hi-38	420	11	in	in	ADP
hi-38	420	12	pakistani	pakistani	PROPN
hi-38	420	13	maddaris	maddaris	PROPN
hi-38	420	14	:	:	PUNCT
hi-38	420	15	case	case	NOUN
hi-38	420	16	of	of	ADP
hi-38	420	17	religious	religious	ADJ
hi-38	420	18	teachers	teacher	NOUN
hi-38	420	19	.	.	PUNCT
hi-38	421	1	international	international	ADJ
hi-38	421	2	journal	journal	PROPN
hi-38	421	3	of	of	ADP
hi-38	421	4	distance	distance	NOUN
hi-38	421	5	education	education	NOUN
hi-38	421	6	and	and	CCONJ
hi-38	421	7	elearning	elearning	NOUN
hi-38	421	8	,	,	PUNCT
hi-38	421	9	5	5	NUM
hi-38	421	10	(	(	PUNCT
hi-38	421	11	1	1	NUM
hi-38	421	12	)	)	PUNCT
hi-38	421	13	,	,	PUNCT
hi-38	421	14	44	44	NUM
hi-38	421	15	-	-	SYM
hi-38	421	16	56	56	NUM
hi-38	421	17	.	.	PUNCT
hi-38	422	1	hong	hong	PROPN
hi-38	422	2	,	,	PUNCT
hi-38	422	3	h.	h.	PROPN
hi-38	422	4	,	,	PUNCT
hi-38	422	5	huang	huang	PROPN
hi-38	422	6	,	,	PUNCT
hi-38	422	7	j.	j.	PROPN
hi-38	422	8	z.	z.	PROPN
hi-38	422	9	,	,	PUNCT
hi-38	422	10	&	&	CCONJ
hi-38	422	11	wu	wu	PROPN
hi-38	422	12	,	,	PUNCT
hi-38	422	13	d.	d.	PROPN
hi-38	422	14	(	(	PUNCT
hi-38	422	15	2014	2014	NUM
hi-38	422	16	)	)	PUNCT
hi-38	422	17	.	.	PUNCT
hi-38	423	1	the	the	DET
hi-38	423	2	information	information	NOUN
hi-38	423	3	content	content	NOUN
hi-38	423	4	of	of	ADP
hi-38	423	5	basel	basel	PROPN
hi-38	423	6	iii	iii	PROPN
hi-38	423	7	liquidity	liquidity	NOUN
hi-38	423	8	risk	risk	NOUN
hi-38	423	9	measures	measure	NOUN
hi-38	423	10	.	.	PUNCT
hi-38	424	1	journal	journal	NOUN
hi-38	424	2	of	of	ADP
hi-38	424	3	financial	financial	ADJ
hi-38	424	4	stability	stability	NOUN
hi-38	424	5	,	,	PUNCT
hi-38	424	6	15	15	NUM
hi-38	424	7	,	,	PUNCT
hi-38	424	8	91	91	NUM
hi-38	424	9	-	-	SYM
hi-38	424	10	111	111	NUM
hi-38	424	11	.	.	PUNCT
hi-38	425	1	imbierowicz	imbierowicz	PROPN
hi-38	425	2	,	,	PUNCT
hi-38	425	3	b.	b.	PROPN
hi-38	425	4	,	,	PUNCT
hi-38	425	5	&	&	CCONJ
hi-38	425	6	rauch	rauch	PROPN
hi-38	425	7	,	,	PUNCT
hi-38	425	8	c.	c.	PROPN
hi-38	425	9	(	(	PUNCT
hi-38	425	10	2014	2014	NUM
hi-38	425	11	)	)	PUNCT
hi-38	425	12	.	.	PUNCT
hi-38	426	1	the	the	DET
hi-38	426	2	relationship	relationship	NOUN
hi-38	426	3	between	between	ADP
hi-38	426	4	liquidity	liquidity	NOUN
hi-38	426	5	risk	risk	NOUN
hi-38	426	6	and	and	CCONJ
hi-38	426	7	credit	credit	NOUN
hi-38	426	8	risk	risk	NOUN
hi-38	426	9	in	in	ADP
hi-38	426	10	banks	bank	NOUN
hi-38	426	11	.	.	PUNCT
hi-38	427	1	journal	journal	PROPN
hi-38	427	2	of	of	ADP
hi-38	427	3	banking	banking	NOUN
hi-38	427	4	&	&	CCONJ
hi-38	427	5	finance	finance	PROPN
hi-38	427	6	,	,	PUNCT
hi-38	427	7	40	40	NUM
hi-38	427	8	,	,	PUNCT
hi-38	427	9	242	242	NUM
hi-38	427	10	-	-	SYM
hi-38	427	11	256	256	NUM
hi-38	427	12	.	.	PUNCT
hi-38	428	1	javed	javed	PROPN
hi-38	428	2	,	,	PUNCT
hi-38	428	3	m.	m.	NOUN
hi-38	428	4	a.	a.	PROPN
hi-38	428	5	,	,	PUNCT
hi-38	428	6	&	&	CCONJ
hi-38	428	7	basheer	basheer	PROPN
hi-38	428	8	,	,	PUNCT
hi-38	428	9	m.	m.	NOUN
hi-38	428	10	f.	f.	PROPN
hi-38	428	11	(	(	PUNCT
hi-38	428	12	2017	2017	NUM
hi-38	428	13	)	)	PUNCT
hi-38	428	14	.	.	PUNCT
hi-38	429	1	impact	impact	NOUN
hi-38	429	2	of	of	ADP
hi-38	429	3	external	external	ADJ
hi-38	429	4	factors	factor	NOUN
hi-38	429	5	on	on	ADP
hi-38	429	6	bank	bank	NOUN
hi-38	429	7	profitability	profitability	NOUN
hi-38	429	8	.	.	PUNCT
hi-38	430	1	epra	epra	PROPN
hi-38	430	2	international	international	PROPN
hi-38	430	3	journal	journal	PROPN
hi-38	430	4	of	of	ADP
hi-38	430	5	research	research	NOUN
hi-38	430	6	and	and	CCONJ
hi-38	430	7	development	development	NOUN
hi-38	430	8	,	,	PUNCT
hi-38	430	9	2(5	2(5	NUM
hi-38	430	10	)	)	PUNCT
hi-38	430	11	,	,	PUNCT
hi-38	430	12	1	1	NUM
hi-38	430	13	-	-	SYM
hi-38	430	14	11	11	NUM
hi-38	430	15	.	.	PUNCT
hi-38	431	1	khan	khan	PROPN
hi-38	431	2	,	,	PUNCT
hi-38	431	3	m.	m.	NOUN
hi-38	431	4	s.	s.	PROPN
hi-38	431	5	,	,	PUNCT
hi-38	431	6	scheule	scheule	PROPN
hi-38	431	7	,	,	PUNCT
hi-38	431	8	h.	h.	PROPN
hi-38	431	9	,	,	PUNCT
hi-38	431	10	&	&	CCONJ
hi-38	431	11	wu	wu	PROPN
hi-38	431	12	,	,	PUNCT
hi-38	431	13	e.	e.	PROPN
hi-38	431	14	(	(	PUNCT
hi-38	431	15	2017	2017	NUM
hi-38	431	16	)	)	PUNCT
hi-38	431	17	.	.	PUNCT
hi-38	432	1	funding	fund	VERB
hi-38	432	2	liquidity	liquidity	NOUN
hi-38	432	3	and	and	CCONJ
hi-38	432	4	bank	bank	NOUN
hi-38	432	5	risk	risk	NOUN
hi-38	432	6	taking	taking	NOUN
hi-38	432	7	.	.	PUNCT
hi-38	433	1	journal	journal	PROPN
hi-38	433	2	of	of	ADP
hi-38	433	3	banking	banking	NOUN
hi-38	433	4	&	&	CCONJ
hi-38	433	5	finance	finance	PROPN
hi-38	433	6	,	,	PUNCT
hi-38	433	7	82	82	NUM
hi-38	433	8	,	,	PUNCT
hi-38	433	9	203	203	NUM
hi-38	433	10	-	-	SYM
hi-38	433	11	216	216	NUM
hi-38	433	12	.	.	PUNCT
hi-38	434	1	laeven	laeven	ADJ
hi-38	434	2	,	,	PUNCT
hi-38	434	3	l.	l.	PROPN
hi-38	434	4	,	,	PUNCT
hi-38	434	5	ratnovski	ratnovski	PROPN
hi-38	434	6	,	,	PUNCT
hi-38	434	7	l.	l.	PROPN
hi-38	434	8	,	,	PUNCT
hi-38	434	9	&	&	CCONJ
hi-38	434	10	tong	tong	PROPN
hi-38	434	11	,	,	PUNCT
hi-38	434	12	h.	h.	PROPN
hi-38	434	13	(	(	PUNCT
hi-38	434	14	2016	2016	NUM
hi-38	434	15	)	)	PUNCT
hi-38	434	16	.	.	PUNCT
hi-38	435	1	bank	bank	NOUN
hi-38	435	2	size	size	NOUN
hi-38	435	3	,	,	PUNCT
hi-38	435	4	capital	capital	NOUN
hi-38	435	5	,	,	PUNCT
hi-38	435	6	and	and	CCONJ
hi-38	435	7	systemic	systemic	ADJ
hi-38	435	8	risk	risk	NOUN
hi-38	435	9	:	:	PUNCT
hi-38	435	10	some	some	DET
hi-38	435	11	international	international	ADJ
hi-38	435	12	evidence	evidence	NOUN
hi-38	435	13	.	.	PUNCT
hi-38	436	1	journal	journal	NOUN
hi-38	436	2	of	of	ADP
hi-38	436	3	banking	banking	NOUN
hi-38	436	4	&	&	CCONJ
hi-38	436	5	finance	finance	PROPN
hi-38	436	6	,	,	PUNCT
hi-38	436	7	69	69	NUM
hi-38	436	8	,	,	PUNCT
hi-38	436	9	s25	s25	NOUN
hi-38	436	10	-	-	PUNCT
hi-38	436	11	s34	s34	NOUN
hi-38	436	12	.	.	PUNCT
hi-38	437	1	nguyen	nguyen	NOUN
hi-38	437	2	,	,	PUNCT
hi-38	437	3	m.	m.	NOUN
hi-38	437	4	,	,	PUNCT
hi-38	437	5	perera	perera	PROPN
hi-38	437	6	,	,	PUNCT
hi-38	437	7	s.	s.	PROPN
hi-38	437	8	,	,	PUNCT
hi-38	437	9	&	&	CCONJ
hi-38	437	10	skully	skully	ADV
hi-38	437	11	,	,	PUNCT
hi-38	437	12	m.	m.	NOUN
hi-38	437	13	(	(	PUNCT
hi-38	437	14	2017	2017	NUM
hi-38	437	15	)	)	PUNCT
hi-38	437	16	.	.	PUNCT
hi-38	438	1	bank	bank	NOUN
hi-38	438	2	market	market	NOUN
hi-38	438	3	power	power	NOUN
hi-38	438	4	,	,	PUNCT
hi-38	438	5	asset	asset	NOUN
hi-38	438	6	liquidity	liquidity	NOUN
hi-38	438	7	and	and	CCONJ
hi-38	438	8	funding	funding	NOUN
hi-38	438	9	liquidity	liquidity	NOUN
hi-38	438	10	:	:	PUNCT
hi-38	438	11	international	international	ADJ
hi-38	438	12	evidence	evidence	NOUN
hi-38	438	13	.	.	PUNCT
hi-38	439	1	international	international	ADJ
hi-38	439	2	review	review	NOUN
hi-38	439	3	of	of	ADP
hi-38	439	4	financial	financial	ADJ
hi-38	439	5	analysis	analysis	NOUN
hi-38	439	6	,	,	PUNCT
hi-38	439	7	54	54	NUM
hi-38	439	8	,	,	PUNCT
hi-38	439	9	23	23	NUM
hi-38	439	10	-	-	SYM
hi-38	439	11	38	38	NUM
hi-38	439	12	.	.	PUNCT
hi-38	440	1	hamdard	hamdard	ADJ
hi-38	440	2	islamicus	islamicus	PROPN
hi-38	440	3	vol	vol	NOUN
hi-38	440	4	.	.	PUNCT
hi-38	441	1	xliii	xliii	PROPN
hi-38	441	2	,	,	PUNCT
hi-38	441	3	no	no	INTJ
hi-38	441	4	.	.	NOUN
hi-38	441	5	1	1	NUM
hi-38	441	6	101	101	NUM
hi-38	441	7	rajan	rajan	PROPN
hi-38	441	8	,	,	PUNCT
hi-38	441	9	s.	s.	PROPN
hi-38	441	10	i.	i.	PROPN
hi-38	441	11	,	,	PUNCT
hi-38	441	12	&	&	CCONJ
hi-38	441	13	narayana	narayana	PROPN
hi-38	441	14	,	,	PUNCT
hi-38	441	15	d.	d.	PROPN
hi-38	441	16	(	(	PUNCT
hi-38	441	17	2017	2017	NUM
hi-38	441	18	)	)	PUNCT
hi-38	441	19	.	.	PUNCT
hi-38	442	1	the	the	DET
hi-38	442	2	financial	financial	ADJ
hi-38	442	3	crisis	crisis	NOUN
hi-38	442	4	in	in	ADP
hi-38	442	5	the	the	DET
hi-38	442	6	gulf	gulf	NOUN
hi-38	442	7	and	and	CCONJ
hi-38	442	8	its	its	PRON
hi-38	442	9	impact	impact	NOUN
hi-38	442	10	on	on	ADP
hi-38	442	11	south	south	ADJ
hi-38	442	12	asian	asian	ADJ
hi-38	442	13	migrant	migrant	ADJ
hi-38	442	14	workers	worker	NOUN
hi-38	442	15	.	.	PUNCT
hi-38	443	1	in	in	ADP
hi-38	443	2	south	south	ADJ
hi-38	443	3	asian	asian	ADJ
hi-38	443	4	migration	migration	NOUN
hi-38	443	5	to	to	ADP
hi-38	443	6	gulf	gulf	NOUN
hi-38	443	7	countries	country	NOUN
hi-38	443	8	(	(	PUNCT
hi-38	443	9	pp	pp	ADJ
hi-38	443	10	.	.	PUNCT
hi-38	444	1	308	308	NUM
hi-38	444	2	-	-	SYM
hi-38	444	3	327	327	NUM
hi-38	444	4	)	)	PUNCT
hi-38	444	5	.	.	PUNCT
hi-38	445	1	routledge	routledge	PROPN
hi-38	445	2	india	india	PROPN
hi-38	445	3	.	.	PROPN
hi-38	445	4	ratnovski	ratnovski	PROPN
hi-38	445	5	,	,	PUNCT
hi-38	445	6	l.	l.	PROPN
hi-38	445	7	(	(	PUNCT
hi-38	445	8	2013	2013	NUM
hi-38	445	9	)	)	PUNCT
hi-38	445	10	.	.	PUNCT
hi-38	446	1	liquidity	liquidity	NOUN
hi-38	446	2	and	and	CCONJ
hi-38	446	3	transparency	transparency	NOUN
hi-38	446	4	in	in	ADP
hi-38	446	5	bank	bank	NOUN
hi-38	446	6	risk	risk	NOUN
hi-38	446	7	management	management	NOUN
hi-38	446	8	.	.	PUNCT
hi-38	447	1	journal	journal	NOUN
hi-38	447	2	of	of	ADP
hi-38	447	3	financial	financial	ADJ
hi-38	447	4	intermediation	intermediation	NOUN
hi-38	447	5	,	,	PUNCT
hi-38	447	6	22(3	22(3	NUM
hi-38	447	7	)	)	PUNCT
hi-38	447	8	,	,	PUNCT
hi-38	447	9	422	422	NUM
hi-38	447	10	-	-	SYM
hi-38	447	11	439	439	NUM
hi-38	447	12	.	.	PUNCT
hi-38	448	1	rokhim	rokhim	PROPN
hi-38	448	2	,	,	PUNCT
hi-38	448	3	r.	r.	PROPN
hi-38	448	4	,	,	PUNCT
hi-38	448	5	&	&	CCONJ
hi-38	448	6	min	min	PROPN
hi-38	448	7	,	,	PUNCT
hi-38	448	8	i.	i.	PROPN
hi-38	448	9	(	(	PUNCT
hi-38	448	10	2018	2018	NUM
hi-38	448	11	)	)	PUNCT
hi-38	448	12	.	.	PUNCT
hi-38	449	1	funding	fund	VERB
hi-38	449	2	liquidity	liquidity	NOUN
hi-38	449	3	and	and	CCONJ
hi-38	449	4	risk	risk	NOUN
hi-38	449	5	taking	take	VERB
hi-38	449	6	behavior	behavior	NOUN
hi-38	449	7	in	in	ADP
hi-38	449	8	southeast	southeast	ADJ
hi-38	449	9	asian	asian	ADJ
hi-38	449	10	banks	bank	NOUN
hi-38	449	11	.	.	PUNCT
hi-38	450	1	emerging	emerge	VERB
hi-38	450	2	markets	market	NOUN
hi-38	450	3	finance	finance	NOUN
hi-38	450	4	and	and	CCONJ
hi-38	450	5	trade	trade	NOUN
hi-38	450	6	,	,	PUNCT
hi-38	450	7	1	1	NUM
hi-38	450	8	-	-	SYM
hi-38	450	9	9	9	NUM
hi-38	450	10	.	.	PUNCT
hi-38	451	1	umar	umar	PROPN
hi-38	451	2	,	,	PUNCT
hi-38	451	3	m.	m.	NOUN
hi-38	451	4	,	,	PUNCT
hi-38	451	5	&	&	CCONJ
hi-38	451	6	sun	sun	PROPN
hi-38	451	7	,	,	PUNCT
hi-38	451	8	g.	g.	PROPN
hi-38	451	9	(	(	PUNCT
hi-38	451	10	2016	2016	NUM
hi-38	451	11	)	)	PUNCT
hi-38	451	12	.	.	PUNCT
hi-38	452	1	interaction	interaction	NOUN
hi-38	452	2	among	among	ADP
hi-38	452	3	funding	funding	NOUN
hi-38	452	4	liquidity	liquidity	NOUN
hi-38	452	5	,	,	PUNCT
hi-38	452	6	liquidity	liquidity	NOUN
hi-38	452	7	creation	creation	NOUN
hi-38	452	8	and	and	CCONJ
hi-38	452	9	stock	stock	NOUN
hi-38	452	10	liquidity	liquidity	NOUN
hi-38	452	11	of	of	ADP
hi-38	452	12	banks	bank	NOUN
hi-38	452	13	.	.	PUNCT
hi-38	453	1	journal	journal	PROPN
hi-38	453	2	of	of	ADP
hi-38	453	3	financial	financial	ADJ
hi-38	453	4	regulation	regulation	NOUN
hi-38	453	5	and	and	CCONJ
hi-38	453	6	compliance	compliance	NOUN
hi-38	453	7	.	.	PUNCT
hi-38	454	1	vanhoose	vanhoose	PROPN
hi-38	454	2	,	,	PUNCT
hi-38	454	3	d.	d.	PROPN
hi-38	454	4	(	(	PUNCT
hi-38	454	5	2017	2017	NUM
hi-38	454	6	)	)	PUNCT
hi-38	454	7	.	.	PUNCT
hi-38	455	1	the	the	DET
hi-38	455	2	economics	economic	NOUN
hi-38	455	3	of	of	ADP
hi-38	455	4	international	international	ADJ
hi-38	455	5	banking	banking	NOUN
hi-38	455	6	.	.	PUNCT
hi-38	456	1	in	in	ADP
hi-38	456	2	the	the	DET
hi-38	456	3	industrial	industrial	ADJ
hi-38	456	4	organization	organization	NOUN
hi-38	456	5	of	of	ADP
hi-38	456	6	banking	banking	NOUN
hi-38	456	7	(	(	PUNCT
hi-38	456	8	pp	pp	PROPN
hi-38	456	9	.	.	PUNCT
hi-38	456	10	89	89	NUM
hi-38	456	11	-	-	SYM
hi-38	456	12	113	113	NUM
hi-38	456	13	)	)	PUNCT
hi-38	456	14	.	.	PUNCT
hi-38	457	1	springer	springer	NOUN
hi-38	457	2	,	,	PUNCT
hi-38	457	3	berlin	berlin	PROPN
hi-38	457	4	,	,	PUNCT
hi-38	457	5	heidelberg	heidelberg	PROPN
hi-38	457	6	.	.	PUNCT
hi-38	458	1	vo	vo	PROPN
hi-38	458	2	,	,	PUNCT
hi-38	458	3	x.	x.	PROPN
hi-38	458	4	v.	v.	PROPN
hi-38	458	5	(	(	PUNCT
hi-38	458	6	2018	2018	NUM
hi-38	458	7	)	)	PUNCT
hi-38	458	8	.	.	PUNCT
hi-38	459	1	the	the	DET
hi-38	459	2	role	role	NOUN
hi-38	459	3	of	of	ADP
hi-38	459	4	bank	bank	NOUN
hi-38	459	5	funding	funding	NOUN
hi-38	459	6	diversity	diversity	NOUN
hi-38	459	7	:	:	PUNCT
hi-38	459	8	evidence	evidence	NOUN
hi-38	459	9	from	from	ADP
hi-38	459	10	vietnam	vietnam	PROPN
hi-38	459	11	.	.	PUNCT
hi-38	460	1	international	international	ADJ
hi-38	460	2	review	review	NOUN
hi-38	460	3	of	of	ADP
hi-38	460	4	finance	finance	NOUN
hi-38	460	5	.	.	PUNCT